{"id":29361,"date":"2015-12-16T14:18:00","date_gmt":"2015-12-16T07:18:00","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29361"},"modified":"2022-06-23T14:19:55","modified_gmt":"2022-06-23T07:19:55","slug":"843-chuyen-chua-ke-ve-hau-truong-xu-ly-no-xau-dung-cho-vay-quy-thu-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/843-chuyen-chua-ke-ve-hau-truong-xu-ly-no-xau-dung-cho-vay-quy-thu-no\/","title":{"rendered":"843. Chuy\u1ec7n ch\u01b0a k\u1ec3 v\u1ec1 h\u1eadu tr\u01b0\u1eddng x\u1eed l\u00fd n\u1ee3 x\u1ea5u: \u0110\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3"},"content":{"rendered":"(DT) – \u0110\u1ec3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u gi\u1ea3m t\u1eeb hai con s\u1ed1 xu\u1ed1ng 2,93% – m\u1ed9t t\u1ef7 l\u1ec7 an to\u00e0n theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf – v\u00e0o cu\u1ed1i th\u00e1ng 9\/2015, nh\u1eefng ng\u01b0\u1eddi l\u00e0m c\u00f4ng t\u00e1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u00e3 th\u1ea5m th\u00eda c\u1ea3nh \u201c\u0111\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3\u201d.<\/strong><\/p>\n

Ch\u1ee7 n\u1ee3 ch\u01b0a \u0111\u01b0\u1ee3c trao \u0111\u1ee7 quy\u1ec1n n\u0103ng v\u1edbi con n\u1ee3, ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n, \u00fd th\u1ee9c x\u00e3 h\u1ed9i trong tr\u1ea3 n\u1ee3 ch\u01b0a cao, ch\u01b0a c\u00f3 th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 x\u1ea5u, x\u00e3 h\u1ed9i m\u1eb7c nhi\u00ean c\u00f4ng nh\u1eadn n\u1ee3 x\u1ea5u l\u00e0 c\u1ee7a ri\u00eang ng\u00e0nh ng\u00e2n h\u00e0ng n\u00ean ng\u00e2n h\u00e0ng ph\u1ea3i t\u1ef1 gi\u1ea3i quy\u1ebft \u2026 l\u00e0 nh\u1eefng ngh\u1ecbch l\u00fd m\u00e0 nh\u1eefng ng\u01b0\u1eddi l\u00e0m ng\u00e2n h\u00e0ng \u0111ang g\u1eb7p ph\u1ea3i.<\/p>\n

Con n\u1ee3 \u201cl\u00ec\u201d, ch\u00ednh quy\u1ec1n c\u0169ng b\u00f3 tay!<\/strong><\/p>\n

Sau h\u00e0ng ch\u1ee5c n\u0103m kinh nghi\u1ec7m trong vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd li\u00ean quan \u0111\u1ebfn x\u1eed l\u00fd n\u1ee3 x\u1ea5u, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI \u0111\u00e3 ch\u1ee9ng ki\u1ebfn nhi\u1ec1u chuy\u1ec7n o\u00e1i o\u0103m: N\u1ebfu nh\u01b0 n\u1ee3 x\u1ea5u \u0111\u00e3 x\u1ea3y ra m\u00e0 con n\u1ee3 v\u00e0 ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng mu\u1ed1n h\u1ee3p t\u00e1c th\u00ec ng\u00e2n h\u00e0ng c\u0169ng g\u1ea7n nh\u01b0 b\u1ea5t l\u1ef1c b\u1edfi v\u01b0\u1edbng nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n trong Lu\u1eadt B\u1ea3o v\u1ec7 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 \u0111i\u1ec1u kho\u1ea3n v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin trong Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Lu\u1eadt s\u01b0 \u0110\u1ee9c v\u1eabn c\u00f2n gi\u1eef nguy\u00ean m\u1ea9u b\u00e1o \u0111\u01b0\u1ee3c coi l\u00e0 \u201cb\u1ea5t h\u1ee7\u201d trong ng\u00e0nh ng\u00e2n h\u00e0ng, b\u1edfi \u0111\u00f3 l\u00e0 m\u1ea9u qu\u1ea3ng c\u00e1o c\u1ee7a HDBank, m\u1ed9t minh ch\u1ee9ng ti\u00eau bi\u1ec3u cho s\u1ef1 \u201cb\u00f3 tay\u201d c\u1ee7a ng\u00e2n h\u00e0ng: 2 chi\u1ebfc xe \u00f4 t\u00f4 th\u1ebf ch\u1ea5p \u0111\u00e3 b\u1ecb ch\u1ee7 s\u1edf h\u1eefu mang \u0111i c\u1ea5t gi\u1ea5u, ai cung c\u1ea5p \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 t\u00e0i s\u1ea3n n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c HDBank th\u01b0\u1edfng n\u00f3ng 50 tri\u1ec7u \u0111\u1ed3ng.<\/em><\/p>\n

Chia s\u1ebb v\u1edbi nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a ng\u01b0\u1eddi l\u00e0m ngh\u1ec1 ng\u00e2n h\u00e0ng, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u hi\u1ec7n nay \u0111\u00e3 c\u00f3 nhi\u1ec1u b\u01b0\u1edbc ti\u1ebfn tri\u1ec3n v\u00e0 kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn th\u00e0nh c\u00f4ng c\u1ee7a Ch\u00ednh ph\u1ee7, Qu\u1ed1c h\u1ed9i, ng\u00e0nh ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, \u00f4ng kh\u1eb3ng \u0111\u1ecbnh, v\u1ea5n \u0111\u1ec1 then ch\u1ed1t trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. \u00d4ng th\u1ea5y x\u1eed l\u00fd n\u1ee3 ph\u1ee5 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o nh\u00e0 n\u01b0\u1edbc: xi\u1ebft nh\u00e0, c\u00f4ng an, t\u00f2a \u00e1n x\u1eed, kh\u00e2u thi h\u00e0nh \u00e1n\u2026 v\u1eady m\u00e0 c\u00f3 l\u00fac c\u0169ng b\u00f3 tay. N\u1ebfu ng\u01b0\u1eddi \u0111i vay kh\u00f4ng h\u1ee3p t\u00e1c, c\u1ee9 ch\u00e2y \u00ec, ng\u00e2n h\u00e0ng kh\u00f4ng l\u00e0m \u0111\u01b0\u1ee3c g\u00ec. \u1ede M\u1ef9 kh\u00f4ng nh\u01b0 v\u1eady: Ng\u00e2n h\u00e0ng s\u1ebd theo quy tr\u00ecnh l\u1ea7n l\u01b0\u1ee3t g\u1eedi th\u01b0 th\u00f4ng b\u00e1o c\u00e1c th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng. Qu\u00e1 c\u00e1c h\u1ea1n tr\u00ean, ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u \u201ccon n\u1ee3\u201d ph\u1ea3i ra kh\u1ecfi nh\u00e0, n\u1ebfu kh\u00f4ng, c\u00f4ng an, t\u00f2a \u00e1n s\u1ebd \u201cb\u00ea\u201d ra.<\/p>\n

\"\"<\/p>\n

\u0110au \u0111\u1ea7u nh\u1ea5t c\u1ee7a qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3, m\u1ed7i l\u1ea7n ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 nh\u00e0 \u0111\u1ea5t, b\u1edfi ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i c\u00f3 s\u1ef1 \u0111\u1ed3ng l\u00f2ng c\u1ee7a \u201cba b\u1ec1 – b\u1ed1n b\u00ean\u201d (\u1ea3nh minh ho\u1ea1)<\/em><\/p>\n

Ngh\u1ecbch l\u00fd n\u1eefa, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c: N\u1ebfu c\u01a1 quan ph\u00e1p lu\u1eadt ti\u1ebfn h\u00e0nh phong to\u1ea3, thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec nh\u1eefng ng\u01b0\u1eddi li\u00ean quan bu\u1ed9c ph\u1ea3i ch\u1ea5p h\u00e0nh; ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 quy\u1ec1n \u0111\u00f3, nh\u01b0ng n\u1ebfu con n\u1ee3 v\u00e0 ch\u1ee7 t\u00e0i s\u1ea3n vi ph\u1ea1m th\u00ec l\u1ea1i tr\u1edf th\u00e0nh \u201cho\u00e0 c\u1ea3 l\u00e0ng\u201d. Nh\u00e0 \u1edf l\u00e0 lo\u1ea1i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 gi\u00e1 tr\u1ecb v\u00e0 ph\u1ed5 bi\u1ebfn nh\u1ea5t, nh\u01b0ng vi\u1ec7c thu gi\u1eef c\u0169ng kh\u00f3 kh\u0103n nh\u1ea5t, n\u1ebfu nh\u01b0 kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ed3ng \u00fd v\u00e0 h\u1ee3p t\u00e1c. Lu\u1eadt b\u1ea5t th\u00e0nh v\u0103n l\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i lo thay ch\u1ed7 \u1edf cho ch\u1ee7 nh\u00e0, ph\u1ea3i di chuy\u1ec3n, b\u1ea3o qu\u1ea3n an to\u00e0n m\u1ecdi th\u1ee9 t\u00e0i s\u1ea3n, ch\u1ee9 kh\u00f4ng th\u1ec3 \u0111\u1ea9y ra \u0111\u01b0\u1eddng, m\u1eb7c d\u00f9 ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh \u0111\u00f3 l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng.<\/em><\/p>\n

B\u1edfi v\u1eady, \u0111au \u0111\u1ea7u nh\u1ea5t l\u00e0 m\u1ed7i l\u1ea7n ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 nh\u00e0 \u0111\u1ea5t, b\u1edfi ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i c\u00f3 s\u1ef1 \u0111\u1ed3ng l\u00f2ng c\u1ee7a \u201cba b\u1ec1 – b\u1ed1n b\u00ean\u201d, g\u1ed3m: Ch\u1ee7 t\u00e0i s\u1ea3n, c\u01a1 quan \u0111\u1ea5u gi\u00e1, c\u00f4ng ch\u1ee9ng v\u00e0 qu\u1ea3n l\u00fd nh\u00e0 \u0111\u1ea5t, kh\u00f4ng thi\u1ebfu m\u1ed9t ai.<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c l\u1ea5y d\u1eabn ch\u1ee9ng v\u1ec1 h\u00e0nh tr\u00ecnh gian nan trong x\u1eed l\u00fd m\u1ed9t m\u1ea3nh \u0111\u1ea5t \u1edf Thanh Tr\u00ec (H\u00e0 N\u1ed9i) \u0111\u1ec3 thu v\u1ec1 5,5 t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u. M\u1ea3nh \u0111\u1ea5t n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p 4 l\u1ea7n t\u1ea1i 3 ng\u00e2n h\u00e0ng. D\u00f9 ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e0m m\u1ecdi th\u1ee7 t\u1ee5c v\u1edbi \u0111\u1ea7y \u0111\u1ee7 quy tr\u00ecnh v\u00e0 c\u00f3 s\u1ef1 ch\u1ee9ng ki\u1ebfn c\u1ee7a \u0111\u1ea1i di\u1ec7n c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 li\u00ean quan, k\u1ec3 c\u1ea3 s\u1ed5 \u0111\u1ecf c\u0169ng \u0111\u00e3 sang t\u00ean cho ng\u01b0\u1eddi mua \u0111\u1ea5u gi\u00e1 h\u1ee3p ph\u00e1p, nh\u01b0ng \u0111\u1ebfn nay v\u1eabn kh\u00f4ng th\u1ec3 b\u00e0n giao \u0111\u01b0\u1ee3c nh\u00e0 cho ch\u1ee7 m\u1edbi, b\u1edfi ch\u1ee7 c\u0169 quay l\u1ea1i c\u1ed1 th\u1ee7 chi\u1ebfm gi\u1eef nh\u00e0.<\/em><\/p>\n

\u201cV\u01b0\u1edbng\u201d v\u1ec1 c\u01a1 ch\u1ebf ph\u00e1p l\u00fd<\/strong><\/p>\n

Th\u00eam m\u1ed9t r\u00e0o c\u1ea3n n\u1eefa \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi l\u00e0m c\u00f4ng t\u00e1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u, theo Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, \u0111\u00f3 l\u00e0 \u1edf Vi\u1ec7t Nam ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n. Do v\u1eady, c\u00f3 tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111i vay b\u1ecf tr\u1ed1n ho\u1eb7c \u0111\u00e3 ch\u1ebft, nh\u01b0ng n\u1ee3 v\u1eabn c\u00f2n n\u1eb1m trong s\u1ed5 s\u00e1ch c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

T\u1eeb \u00a0kinh nghi\u1ec7m th\u1ef1c t\u1ebf ho\u1ea1t \u0111\u1ed9ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho bi\u1ebft: \u201cCho vay l\u00e0 quy\u1ec1n c\u1ee7a H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb v\u00e0 H\u1ed9i \u0111\u1ed3ng t\u00edn d\u1ee5ng, n\u00ean khung ph\u00e1p l\u00fd c\u1ea7n l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1eddi \u0111i vay c\u00f3 c\u01a1 h\u1ed9i t\u1ef1 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 v\u1edbi nhau, ch\u1ee9 kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i d\u00f9ng quy\u1ec1n l\u1ef1c nh\u00e0 n\u01b0\u1edbc ho\u1eb7c \u201cch\u1ea1y\u201d ra t\u00f2a \u00e1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft\u201d.<\/p>\n

Ngay c\u1ea3 C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam VAMC, \u0111\u01b0\u1ee3c coi l\u00e0 tr\u1ee5 c\u1ed9t trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng \u0111ang loay hoay v\u00ec nh\u1eefng v\u01b0\u1edbng m\u1eafc v\u1ec1 c\u01a1 ch\u1ebf ph\u00e1p l\u00fd \u201ctr\u00f3i bu\u1ed9c\u201d, mua n\u1ee3 v\u1ec1 nh\u01b0ng kh\u00f4ng c\u00f3 \u0111\u1ee7 quy\u1ec1n n\u0103ng c\u1ee7a ch\u1ee7 n\u1ee3. \u0110\u00f3 l\u00e0 VAMC mua n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c TCTD nh\u01b0ng kh\u00f4ng th\u1ec3 b\u00e1n \u0111\u01b0\u1ee3c n\u1ee3 cho b\u00ean th\u1ee9 ba n\u1ebfu kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh v\u1ec1 ng\u00e0nh ngh\u1ec1 mua b\u00e1n n\u1ee3”. \u00d4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, Ch\u1ee7 t\u1ecbch VAMC cho bi\u1ebft: Qu\u00e1 tr\u00ecnh ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n th\u00f4ng qua \u0111\u1ea5u gi\u00e1 m\u1ea5t nhi\u1ec1u th\u1eddi gian trong khi \u0111\u00f3 kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ed3ng \u00fd b\u00e0n giao t\u00e0i s\u1ea3n; b\u00ean b\u1ea3o \u0111\u1ea3m kh\u00f4ng h\u1ee3p t\u00e1c trong v\u1ea5n \u0111\u1ec1 th\u1ecfa thu\u1eadn gi\u00e1 kh\u1edfi \u0111i\u1ec3m ho\u1eb7c thu\u00ea t\u1ed5 ch\u1ee9c \u0111\u1ecbnh gi\u00e1\u2026 d\u1eabn \u0111\u1ebfn VAMC, TCTD kh\u00f4ng th\u1ec3 x\u1eed l\u00fd \u0111\u1ec3 thu h\u1ed3i n\u1ee3. B\u00ean c\u1ea1nh \u0111\u00f3, qu\u00e1 tr\u00ecnh thu h\u1ed3i n\u1ee3 c\u0169ng c\u00f3 nhi\u1ec1u r\u1eafc r\u1ed1i khi VAMC kh\u00f4ng c\u00f3 quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng x\u1eed l\u00fd, \u0111\u1ecbnh \u0111o\u1ea1t nh\u1eefng kho\u1ea3n n\u1ee3 x\u1ea5u mua b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o.<\/p>\n

M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng: Nhi\u1ec1u ng\u00e2n h\u00e0ng mu\u1ed1n b\u00e1n n\u1ee3, nh\u01b0ng kh\u00f3 v\u00f4 v\u00e0n v\u00ec l\u00fd do c\u0103n b\u1ea3n nh\u1ea5t l\u00e0 ch\u01b0a c\u00f3 th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 \u1edf Vi\u1ec7t Nam v\u00e0 b\u1ea3n th\u00e2n VAMC \u0111\u01b0\u1ee3c cho ti\u1ec1n th\u1eadt v\u1edbi c\u01a1 ch\u1ebf nh\u01b0 hi\u1ec7n nay th\u00ec c\u0169ng kh\u00f4ng x\u1eed l\u00fd h\u1ebft \u0111\u01b0\u1ee3c n\u1ee3 c\u0169ng b\u1edfi l\u00fd do \u0111\u00f3.<\/p>\n

Nhi\u1ec1u ng\u01b0\u1eddi hi\u1ec3u nh\u1ea7m v\u1ec1 n\u1ee3 x\u1ea5u<\/strong><\/p>\n

Trong khi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd v\u00e0 c\u00e1c chuy\u00ean gia kinh t\u1ebf kh\u1eb3ng \u0111\u1ecbnh, n\u1ee3 x\u1ea5u l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ee7a c\u1ea3 n\u1ec1n kinh t\u1ebf, x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 \u201cc\u1ea5p c\u1ee9u, \u0111i\u1ec1u tr\u1ecb v\u00e0 d\u01b0\u1ee1ng b\u1ec7nh\u201d cho doanh nghi\u1ec7p, c\u0169ng nh\u01b0 cho c\u1ea3 n\u1ec1n kinh t\u1ebf th\u00ec theo TS V\u0169 \u0110\u00ecnh \u00c1nh, \u0111a s\u1ed1 v\u1eabn ch\u01b0a hi\u1ec3u h\u1ebft \u0111i\u1ec1u \u0111\u00f3: \u201cNg\u01b0\u1eddi ta \u0111ang hi\u1ec3u n\u1ee3 x\u1ea5u theo m\u1ed9t c\u00e1ch kh\u00e1 c\u1ea3m t\u00ednh: N\u1ee3 x\u1ea5u l\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng, n\u1ee3 x\u1ea5u l\u00e0 do l\u1ed7i c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 v\u00ec v\u1eady th\u00ec ng\u00e2n h\u00e0ng \u0111i m\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m\u201d.<\/p>\n

\u201cVAMC \u0111\u01b0\u1ee3c l\u1eadp ra \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u m\u00e0 VAMC l\u1ea1i thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. T\u1eeb \u0111\u00f3, suy ra r\u1eb1ng n\u1ee3 x\u1ea5u l\u00e0 c\u1ee7a kh\u1ed1i ng\u00e2n h\u00e0ng. Th\u1ebf th\u00ec ng\u00e2n h\u00e0ng \u0111i m\u00e0 x\u1eed l\u00fd, c\u00f2n\u00a0doanh nghi\u1ec7p, h\u1ecd c\u01b0\u1eddi kh\u1ea9y\u201d, \u00f4ng \u00c1nh n\u00f3i: \u201cTh\u1ef1c t\u1ebf l\u00e0 h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt \u0111ang b\u1ea3o v\u1ec7 cho nh\u1eefng ng\u01b0\u1eddi y\u1ebfu th\u1ebf, t\u1ee9c l\u00e0 b\u00ean \u0111i vay. Doanh nghi\u1ec7p l\u00e0 \u0111\u01a1n v\u1ecb s\u1ea3n xu\u1ea5t\u00a0kinh doanh, t\u1ea5t nhi\u00ean l\u00e0 ph\u1ea3i h\u01a1n b\u00ean l\u00e0m\u00a0d\u1ecbch v\u1ee5, nh\u1ea5t l\u1ea1i l\u00e0 \u201cbu\u00f4n ti\u1ec1n\u201d nh\u01b0 ng\u00e2n h\u00e0ng. V\u1eady th\u00ec \u201cch\u1ebft\u201d \u00f4ng ng\u00e2n h\u00e0ng r\u1ed3i!\u201d.<\/p>\n

C\u0169ng v\u00ec v\u1eady m\u00e0 Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Kim Anh m\u1edbi \u0111\u00e2y \u0111\u00e3 ph\u00e1t bi\u1ec3u tr\u01b0\u1edbc c\u00f4ng lu\u1eadn: N\u1ee3 x\u1ea5u l\u00e0 ng\u01b0\u1eddi \u0111\u1ed3ng h\u00e0nh b\u1ea5t \u0111\u1eafc d\u0129 c\u1ee7a m\u1ecdi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ch\u00fang ta kh\u00f4ng th\u1ec3 x\u00f3a b\u1ecf ho\u00e0n to\u00e0n r\u1ee7i ro trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u1ed7i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tuy nhi\u00ean, nh\u1eadn bi\u1ebft, \u0111o l\u01b0\u1eddng, \u0111\u00e1nh gi\u00e1, ki\u1ec3m so\u00e1t v\u00e0 h\u1ea1n ch\u1ebf n\u00f3 th\u00ec ch\u00fang ta ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c. \u0110\u1ed3ng th\u1eddi, ch\u00fang ta c\u0169ng bi\u1ebft r\u1eb1ng n\u1ee3 x\u1ea5u do nhi\u1ec1u nguy\u00ean nh\u00e2n g\u00e2y n\u00ean, trong \u0111\u00f3 c\u00f3 nh\u1eefng nguy\u00ean nh\u00e2n nh\u01b0 thi\u00ean tai, m\u00f4i tr\u01b0\u1eddng kinh doanh bi\u1ebfn \u0111\u1ed9ng x\u1ea5u, th\u1ecb tr\u01b0\u1eddng h\u00e0ng h\u00f3a suy gi\u1ea3m, th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3ng b\u0103ng, n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb c\u1ee7a \u0111oanh nghi\u1ec7p y\u1ebfu\u2026 l\u00e0 nh\u1eefng nguy\u00ean nh\u00e2n c\u0103n b\u1ea3n g\u00e2y n\u00ean t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u n\u00e0y.<\/p>\n

\u201cB\u1edfi v\u1eady, v\u1edbi m\u1ecdi qu\u1ed1c gia, v\u1ea5n \u0111\u1ec1 n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c TCTD c\u0169ng l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ee7a ch\u00ednh ng\u00e0nh kinh t\u1ebf \u0111\u00f3. Do \u0111\u00f3, \u0111\u1ec3 gi\u1ea3i quy\u1ebft t\u1ed1t s\u1ed1 n\u1ee3 x\u1ea5u t\u00edch t\u1ee5 trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u00ec v\u1edbi n\u1ed7 l\u1ef1c ri\u00eang c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0 ch\u01b0a \u0111\u1ee7, c\u1ea7n c\u00f3 s\u1ef1 tham gia h\u1ed7 tr\u1ee3 t\u00edch c\u1ef1c h\u01a1n n\u1eefa c\u1ee7a c\u00e1c B\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 doanh nghi\u1ec7p, \u0111\u1ed3ng th\u1eddi c\u1ea7n ph\u1ea3i c\u00f3 c\u01a1 ch\u1ebf ch\u00ednh s\u00e1ch ph\u00f9 h\u1ee3p \u0111\u1ec3 h\u1ed7 tr\u1ee3 x\u1eed l\u00fd nhanh, d\u1ee9t \u0111i\u1ec3m n\u1ee3 x\u1ea5u c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c TCTD\u201d, \u00f4ng Kim Anh \u0111\u1ec1 xu\u1ea5t.<\/p>\n

L\u00ea Thoa<\/strong><\/p>\n

———————————————-<\/p>\n

D\u00e2n tr\u00ed (Kinh doanh) 16-12-2015:<\/em><\/strong><\/p>\n

http:\/\/dantri.com.vn\/kinh-doanh\/chuyen-chua-ke-ve-hau-truong-xu-ly-no-xau-dung-cho-vay-quy-thu-no-2015121615521687.htm<\/a><\/em><\/p>\n

(502\/1.655)","protected":false},"excerpt":{"rendered":"

(DT) – \u0110\u1ec3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u gi\u1ea3m t\u1eeb hai con s\u1ed1 xu\u1ed1ng 2,93% – m\u1ed9t t\u1ef7 l\u1ec7 an to\u00e0n theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf – v\u00e0o cu\u1ed1i th\u00e1ng 9\/2015, nh\u1eefng ng\u01b0\u1eddi l\u00e0m c\u00f4ng t\u00e1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u00e3 th\u1ea5m th\u00eda c\u1ea3nh \u201c\u0111\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3\u201d. Ch\u1ee7 n\u1ee3 ch\u01b0a \u0111\u01b0\u1ee3c trao \u0111\u1ee7 […]<\/p>\n","protected":false},"author":1,"featured_media":29362,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29361","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n843. Chuy\u1ec7n ch\u01b0a k\u1ec3 v\u1ec1 h\u1eadu tr\u01b0\u1eddng x\u1eed l\u00fd n\u1ee3 x\u1ea5u: \u0110\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3 - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/843-chuyen-chua-ke-ve-hau-truong-xu-ly-no-xau-dung-cho-vay-quy-thu-no\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]843. Chuy\u1ec7n ch\u01b0a k\u1ec3 v\u1ec1 h\u1eadu tr\u01b0\u1eddng x\u1eed l\u00fd n\u1ee3 x\u1ea5u: \u0110\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(DT) – \u0110\u1ec3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u gi\u1ea3m t\u1eeb hai con s\u1ed1 xu\u1ed1ng 2,93% – m\u1ed9t t\u1ef7 l\u1ec7 an to\u00e0n theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf – v\u00e0o cu\u1ed1i th\u00e1ng 9\/2015, nh\u1eefng ng\u01b0\u1eddi l\u00e0m c\u00f4ng t\u00e1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u00e3 th\u1ea5m th\u00eda c\u1ea3nh \u201c\u0111\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3\u201d. Ch\u1ee7 n\u1ee3 ch\u01b0a \u0111\u01b0\u1ee3c trao \u0111\u1ee7 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/843-chuyen-chua-ke-ve-hau-truong-xu-ly-no-xau-dung-cho-vay-quy-thu-no\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2015-12-16T07:18:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-23T07:19:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/44-3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"340\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/843-chuyen-chua-ke-ve-hau-truong-xu-ly-no-xau-dung-cho-vay-quy-thu-no\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/843-chuyen-chua-ke-ve-hau-truong-xu-ly-no-xau-dung-cho-vay-quy-thu-no\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"843. 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