{"id":29035,"date":"2016-11-17T14:46:53","date_gmt":"2016-11-17T07:46:53","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29035"},"modified":"2022-06-24T22:59:50","modified_gmt":"2022-06-24T15:59:50","slug":"1-135-ngan-bien-tuong-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-135-ngan-bien-tuong-vay-tieu-dung\/","title":{"rendered":"1.135. Ng\u0103n bi\u1ebfn t\u01b0\u1edbng vay ti\u00eau d\u00f9ng"},"content":{"rendered":"(\u0110\u0110K) – <\/strong>Tr\u00e1nh nh\u1eefng bi\u1ebfn t\u01b0\u1edbng trong ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, c\u0169ng nh\u01b0 nh\u1eb1m l\u1eadp l\u1ea1i tr\u1eadt t\u1ef1 trong l\u0129nh v\u1ef1c n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 cho vay ti\u00eau d\u00f9ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng cho vay, l\u00e3i su\u1ea5t, \u0111\u1ecbnh m\u1ee9c \u0111\u01b0\u1ee3c cho vay t\u01b0\u01a1ng \u0111\u1ed1i \u0111\u1ea7y \u0111\u1ee7. N\u1ebfu \u0111\u01b0\u1ee3c th\u00f4ng qua, d\u1ef1 ki\u1ebfn th\u00f4ng t\u01b0 s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng t\u1eeb ng\u00e0y 1\/1\/2017.<\/strong><\/p>\n

\"\"<\/p>\n

Cho vay ti\u00eau d\u00f9ng t\u0103ng tr\u01b0\u1edfng r\u1ea5t nhanh trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y.<\/em><\/p>\n

L\u00e3i su\u1ea5t t\u1ef1 th\u1ecfa thu\u1eadn<\/strong><\/p>\n

\u0110i\u1ec3m \u0111\u00e1ng quan t\u00e2m nh\u1ea5t v\u00e0 thu h\u00fat nhi\u1ec1u tranh lu\u1eadn l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. \u00a0Theo d\u1ef1 th\u1ea3o, m\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng do c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 l\u00e3i su\u1ea5t cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u01b0\u1ee3c t\u00ednh theo t\u1ef7 l\u1ec7 %\/n\u0103m.<\/p>\n

C\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn c\u1ee5 th\u1ec3 vi\u1ec7c t\u00ednh, thu l\u00e3i ti\u1ec1n vay ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 b\u1ea3o \u0111\u1ea3m l\u00e3i ti\u1ec1n vay ph\u1ea3i tr\u1ea3 ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean c\u01a1 s\u1edf d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf t\u1ea1i th\u1eddi \u0111i\u1ec3m t\u00ednh l\u00e3i.<\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p khi \u0111\u1ebfn h\u1ea1n thanh to\u00e1n m\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 n\u1ee3 g\u1ed1c v\u00e0\/ho\u1eb7c l\u00e3i ti\u1ec1n vay theo th\u1ecfa thu\u1eadn c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 kh\u00e1ch h\u00e0ng trong h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng, th\u00ec kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 l\u00e3i ti\u1ec1n vay nh\u01b0 sau:<\/p>\n

Th\u1ee9 nh\u1ea5t, l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi d\u01b0 n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n do c\u00f4ng ty t\u00e0i ch\u00ednh th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng trong h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t cho vay trong h\u1ea1n.<\/p>\n

Th\u1ee9 hai, tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 l\u00e3i ti\u1ec1n vay \u0111\u00fang h\u1ea1n, kh\u00e1ch h\u00e0ng c\u00f2n ph\u1ea3i tr\u1ea3 cho c\u00f4ng ty t\u00e0i ch\u00ednh ti\u1ec1n l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 l\u00e3i ti\u1ec1n vay ch\u1eadm tr\u1ea3 theo m\u1ee9c l\u00e3i su\u1ea5t do c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 10%\/n\u0103m t\u00ednh tr\u00ean s\u1ed1 l\u00e3i ti\u1ec1n v\u00e0 g\u1ed1c.<\/p>\n

\u0110i\u1ec3m n\u1eefa \u0111\u00e1ng ch\u00fa \u00fd d\u1ef1 th\u1ea3o c\u0169ng quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n cho vay ti\u00eau d\u00f9ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 10 tri\u1ec7u \u0111\u1ed3ng. C\u1ee5 th\u1ec3 C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c xem x\u00e9t quy\u1ebft \u0111\u1ecbnh vi\u1ec7c gi\u1ea3i ng\u00e2n v\u1ed1n cho vay ti\u00eau d\u00f9ng cho kh\u00e1ch h\u00e0ng \u0111\u1ec3 kh\u00e1ch h\u00e0ng thanh to\u00e1n cho b\u00ean cung \u1ee9ng h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5… t\u1ed5ng s\u1ed1 ti\u1ec1n kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 10 tri\u1ec7u \u0111\u1ed3ng, ho\u1eb7c m\u1ed9t m\u1ee9c kh\u00e1c theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc trong t\u1eebng th\u1eddi \u00a0k\u1ef3.<\/p>\n

Ph\u00f9 h\u1ee3p v\u1edbi kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng<\/strong><\/p>\n

Cho vay ti\u00eau d\u00f9ng t\u0103ng tr\u01b0\u1edfng r\u1ea5t nhanh trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y v\u00e0 l\u00e0 l\u0129nh v\u1ef1c ti\u1ec1m n\u0103ng, mang l\u1ea1i nhi\u1ec1u l\u1ee3i nhu\u1eadn cho c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh. B\u1edfi l\u0129nh v\u1ef1c n\u00e0y m\u1edbi chi\u1ebfm 6% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng n\u01b0\u1edbc ta, trong khi \u1edf c\u00e1c n\u01b0\u1edbc kh\u00e1c l\u00e0 15 – 20%.<\/p>\n

C\u0169ng theo kh\u1ea3o s\u00e1t c\u1ee7a ph\u00f3ng vi\u00ean, r\u1ea5t nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang cho vay ti\u00eau d\u00f9ng v\u1edbi l\u00e3i su\u1ea5t 20 – 90%\/n\u0103m. Tuy nhi\u00ean, c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng t\u00e0i ch\u00ednh nhi\u1ec1u khi kh\u00f4ng r\u00f5 r\u00e0ng, d\u1eabn \u0111\u1ebfn nhi\u1ec1u v\u1ee5 khi\u1ebfu ki\u1ec7n.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>\u00a0– Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng cho r\u1eb1ng, vi\u1ec7c cho ph\u00e9p kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c vay t\u1ef1 th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t \u0111\u00e2y l\u00e0 quy\u1ebft \u0111\u1ecbnh ho\u00e0n to\u00e0n \u0111\u00fang \u0111\u1eafn c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc th\u1ec3 hi\u1ec7n quan \u0111i\u1ec3m t\u00f4n tr\u1ecdng nguy\u00ean t\u1eafc th\u1ecfa thu\u1eadn trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. \u0110i\u1ec1u n\u00e0y c\u0169ng ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng \u0111i\u1ec1u h\u00e0nh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc b\u1ea5y l\u00e2u nay, c\u0169ng nh\u01b0 ph\u00f9 h\u1ee3p v\u1edbi tinh th\u1ea7n t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, cho ph\u00e9p b\u00ean cho vay v\u00e0 \u0111i vay \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t.\u00a0<\/em><\/p>\n

Tuy nhi\u00ean, c\u00f3 \u0111i\u1ec1u \u0111\u00e1ng l\u01b0u \u00fd c\u0169ng theo Lu\u1eadt D\u00e2n s\u1ef1 2015, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/1\/2017, l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay.<\/em><\/p>\n

Nh\u01b0 v\u1eady v\u1edbi d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 m\u1edbi v\u1ec1 vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00e0y, v\u1edbi vi\u1ec7c c\u1edfi tr\u00f3i tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y, li\u1ec7u c\u00f3 tr\u00e1i v\u1edbi Lu\u1eadt D\u00e2n s\u1ef1? M\u1ed9t chuy\u00ean gia trong ng\u00e0nh tr\u1ea3 l\u1eddi, c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 NH th\u01b0\u01a1ng m\u1ea1i ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010. M\u00e0 theo Lu\u1eadt n\u00e0y t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c t\u1ef1 th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t.<\/p>\n

Chuy\u00ean gia kinh t\u1ebf, TS\u00a0C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng, c\u00f3 m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng kh\u00e1 ph\u1ed5 bi\u1ebfn l\u00e0, khi ra t\u00f2a, nhi\u1ec1u kh\u00e1ch vay cho bi\u1ebft, h\u1ecd kh\u00f4ng r\u00f5 h\u1ee3p \u0111\u1ed3ng nh\u01b0 th\u1ebf n\u00e0o. R\u00f5 r\u00e0ng, \u0111\u00e2y l\u00e0 l\u1ed7i c\u1ee7a ng\u01b0\u1eddi vay do kh\u00f4ng \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi k\u00fd. B\u1edfi v\u1eady, c\u1ea7n ph\u1ea3i gi\u00e1o d\u1ee5c \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n hi\u1ec3u bi\u1ebft h\u01a1n v\u1ec1 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng, \u00edt nh\u1ea5t l\u00e0 hi\u1ec3u \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh v\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng. \u00d4ng L\u1ef1c cho r\u1eb1ng, \u00a0gi\u1ea3i ph\u00e1p t\u1ed1t nh\u1ea5t hi\u1ec7n nay l\u00e0 ph\u1ea3i gi\u00e1o d\u1ee5c, n\u00e2ng cao ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 ch\u00ednh m\u00ecnh.<\/p>\n

H.H\u01b0\u01a1ng<\/strong><\/p>\n

\u2014\u2014\u2014\u2014<\/p>\n

\u0110\u1ea1i \u0111o\u00e0n k\u1ebft (X\u00e3 h\u1ed9i) 17-11-2016:<\/em><\/strong><\/p>\n

http:\/\/daidoanket.vn\/xa-hoi\/ngan-bien-tuong-vay-tieu-dung\/135011<\/em><\/a><\/p>\n

(162\/935)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110\u0110K) – Tr\u00e1nh nh\u1eefng bi\u1ebfn t\u01b0\u1edbng trong ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, c\u0169ng nh\u01b0 nh\u1eb1m l\u1eadp l\u1ea1i tr\u1eadt t\u1ef1 trong l\u0129nh v\u1ef1c n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 cho vay ti\u00eau d\u00f9ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng cho vay, l\u00e3i su\u1ea5t, \u0111\u1ecbnh m\u1ee9c \u0111\u01b0\u1ee3c cho vay t\u01b0\u01a1ng […]<\/p>\n","protected":false},"author":3,"featured_media":29036,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.135. 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