{"id":29526,"date":"2015-07-24T10:25:40","date_gmt":"2015-07-24T03:25:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29526"},"modified":"2022-06-24T10:27:18","modified_gmt":"2022-06-24T03:27:18","slug":"734-di-sieu-xe-o-biet-thu-van-chay-i-tra-no-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/734-di-sieu-xe-o-biet-thu-van-chay-i-tra-no-ngan-hang\/","title":{"rendered":"734. \u0110i si\u00eau xe, \u1edf bi\u1ec7t th\u1ef1 v\u1eabn ch\u00e2y \u00ec tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng"},"content":{"rendered":"(VNE) – L\u00e3nh \u0111\u1ea1o m\u1ed9t ng\u00e2n h\u00e0ng cho bi\u1ebft \u00f4ng kh\u00f4ng ng\u1ea1i x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c doanh nghi\u1ec7p \u0111ang kh\u00f3 kh\u0103n m\u00e0 ng\u00e1n nh\u1ea5t nh\u1eefng “con n\u1ee3” \u0111\u1ea1i gia, l\u00e1i si\u00eau xe, \u0111i \u0111\u00e1nh golf.<\/strong><\/p>\n

Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng qu\u1ed1c doanh t\u1eebng d\u00ed d\u1ecfm chia kh\u00e1ch vay th\u00e0nh 3 nh\u00f3m: Cho vay, cho m\u01b0\u1ee3n v\u00e0 cho… kh\u00f4ng. \u00d4ng gi\u1ea3i th\u00edch, nh\u00f3m “cho vay” g\u1ed3m kh\u00e1ch h\u00e0ng c\u00f3 \u00fd th\u1ee9c tr\u1ea3 g\u1ed1c v\u00e0 l\u00e3i \u0111\u00e0ng ho\u00e0ng, s\u1eb5n s\u00e0ng h\u1ee3p t\u00e1c. Nh\u00f3m “cho m\u01b0\u1ee3n” l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111i vay, x\u00e1c \u0111\u1ecbnh ch\u1ec9 m\u01b0\u1ee3n g\u1ed1c ch\u1ee9 nh\u1ea5t quy\u1ebft kh\u00f4ng tr\u1ea3 l\u00e3i. Kh\u00f3 kh\u0103n nh\u1ea5t l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng ch\u1ec9 mu\u1ed1n cho kh\u00f4ng. “H\u1ecd ch\u1ee7 \u0111\u00edch chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng, l\u1ee3i d\u1ee5ng nh\u1eefng l\u1ed7 h\u1ed5ng c\u1ee7a ch\u00ednh s\u00e1ch \u0111\u1ec3 ch\u00e2y \u00ec kh\u00f4ng tr\u1ea3 c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i”, v\u1ecb l\u00e3nh \u0111\u1ea1o n\u00e0y gi\u1ea3i th\u00edch.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
C\u1ea3nh x\u1eed l\u00fd n\u1ee3 t\u1ea1i m\u1ed9t doanh nghi\u1ec7p ph\u00eda Nam. \u1ea2nh:\u00a0<\/em>Nguy\u1ec7t Tri\u1ec1u<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo b\u1ed9 ph\u1eadn thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, s\u1ed1 kh\u00e1ch h\u00e0ng thu\u1ed9c nh\u00f3m “cho m\u01b0\u1ee3n” v\u00e0 “cho kh\u00f4ng” ng\u00e0y m\u1ed9t nhi\u1ec1u. B\u1ed9 ph\u1eadn thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u1edf Ch\u00e2u \u0110\u1ed1c, An Giang v\u1eabn k\u1ec3 cho nhau nghe v\u1ec1 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p thu\u1ed9c di\u1ec7n “n\u1ee3 kh\u00f3 \u0111\u00f2i”. C\u00f4ng ty c\u00f2n n\u1ee3 h\u00e0ng t\u1ef7 \u0111\u1ed3ng t\u1ea1i Ng\u00e2n h\u00e0ng Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam (Vietcombank). Ng\u00e2n h\u00e0ng kh\u1edfi ki\u1ec7n, t\u00f2a ra b\u1ea3n \u00e1n nh\u01b0ng v\u1eabn kh\u00f4ng \u0111\u00f2i \u0111\u01b0\u1ee3c n\u1ee3. Ng\u00e2n h\u00e0ng phong t\u1ecfa t\u00e0i kho\u1ea3n, nh\u01b0ng c\u00f4ng ty v\u1eabn ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng th\u00f4ng qua c\u00e1c c\u00f4ng ty con kh\u00e1c. Ng\u01b0\u1eddi ta v\u1eabn th\u1ea5y \u00f4ng ch\u1ee7 ng\u00e0y ng\u00e0y \u0111i chi\u1ebfc si\u00eau xe \u0111\u1eaft ti\u1ec1n.<\/p>\n

Bi\u1ebft con n\u1ee3 c\u00f3 ngu\u1ed3n thu, t\u00e0i s\u1ea3n \u0111\u1ec3 tr\u1ea3 nh\u01b0ng nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i b\u00f3 tay. Theo quy \u0111\u1ecbnh, sau khi x\u1eed l\u00fd xong t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u1ebfu kh\u00e1ch h\u00e0ng ch\u01b0a tr\u1ea3 h\u1ebft, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 k\u00ea bi\u00ean c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c \u0111\u1ec3 x\u1eed l\u00fd. “Tuy nhi\u00ean, r\u1ea5t kh\u00f3 \u0111\u1ec3 l\u00e0m vi\u1ec7c n\u00e0y b\u1edfi kh\u00e1ch h\u00e0ng l\u1ea9n nh\u01b0 tr\u1ea1ch”, \u00f4ng B\u00f9i Tr\u1ea7n M\u00e2ng, Gi\u00e1m \u0111\u1ed1c Vietcombank Chi nh\u00e1nh An Giang cho bi\u1ebft.<\/p>\n

M\u1ed9t doanh nghi\u1ec7p th\u01b0\u01a1ng m\u1ea1i b\u1ecb ng\u00e2n h\u00e0ng kh\u1edfi ki\u1ec7n ra t\u00f2a sau khi kh\u00f4ng ho\u00e0n th\u00e0nh ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a ng\u00e2n h\u00e0ng, ch\u1ee7 c\u00f4ng ty n\u00e0y v\u1eabn ho\u00e0n to\u00e0n c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 khi h\u00e0ng ng\u00e0y sinh s\u1ed1ng trong bi\u1ec7t th\u1ef1, c\u00f3 nh\u00e0 cho thu\u00ea, \u0111i Mercedes, ng\u00e0y ng\u00e0y hai b\u1ed1 con v\u1eabn \u0111i \u0111\u00e1nh golf v\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u1eabn b\u00ecnh th\u01b0\u1eddng nh\u01b0ng c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3 l\u00e3i ng\u00e2n h\u00e0ng.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00e2y, c\u00e1n b\u1ed9 thu h\u1ed3i n\u1ee3 c\u1ee7a Ng\u00e2n h\u00e0ng B\u1ea3o Vi\u1ec7t (BaoViet Bank) c\u0169ng t\u1eebng kh\u1ed1n kh\u1ed5 m\u1ea5y th\u00e1ng tr\u1eddi m\u1edbi r\u00ecnh b\u1eaft \u0111\u01b0\u1ee3c chi\u1ebfc \u00f4t\u00f4 l\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u1ee7a kh\u00e1ch h\u00e0ng n\u1ee3 qu\u00e1 h\u1ea1n. Theo \u0111\u1ea1i di\u1ec7n ng\u00e2n h\u00e0ng, v\u1ecb kh\u00e1ch n\u00e0y ho\u00e0n to\u00e0n c\u00f3 \u0111i\u1ec1u ki\u1ec7n tr\u1ea3 n\u1ee3 nh\u01b0ng l\u1ea1i c\u1ed1 t\u00ecnh ch\u00e2y \u00ec, \u0111em \u00f4t\u00f4 tr\u1ed1n kh\u1ecfi n\u01a1i c\u01b0 tr\u00fa.<\/p>\n

Trong m\u1ed9t h\u1ed9i th\u1ea3o g\u1ea7n \u0111\u00e2y, \u00f4ng C\u1ea5n V\u0103n L\u1ef1c – Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng \u0110\u1ea7u t\u01b0 v\u00e0 Ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam (BIDV) c\u0169ng k\u1ec3: “Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p con n\u1ee3 nh\u1edfn nh\u01a1 kh\u00f4ng tr\u1ea3 g\u00e2y kh\u00f3 kh\u0103n cho ng\u00e2n h\u00e0ng. H\u1ecd v\u1eabn thay \u0111\u1ed5i xe \u0111\u1ec1u \u0111\u1eb7n, th\u01b0\u1eddng xuy\u00ean \u0111i du l\u1ecbch nh\u01b0ng c\u1ed1 t\u00ecnh kh\u00f4ng h\u1ee3p t\u00e1c khi\u1ebfn ng\u00e2n h\u00e0ng r\u1ea5t kh\u00f3 t\u00ecm”.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng) cho r\u1eb1ng t\u00ecnh tr\u1ea1ng ch\u00e2y \u00ec n\u1ee3 c\u00f3 m\u1ed9t l\u00fd do li\u00ean quan t\u1edbi l\u1ed7 h\u1ed5ng ch\u00ednh s\u00e1ch<\/em><\/strong>.\u00a0\u00d4ng cho bi\u1ebft, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p con n\u1ee3 c\u00e0ng nh\u1edfn nh\u01a1 th\u00ec c\u00e0ng c\u00f3 l\u1ee3i. \u00d4ng l\u1ea5y v\u00ed d\u1ee5, khi vay ng\u00e2n h\u00e0ng, l\u00e3i su\u1ea5t l\u00e0 20% nh\u01b0ng n\u1ebfu ch\u00e2y \u00ec kh\u00f4ng tr\u1ea3, ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i khoanh n\u1ee3, th\u1eadm ch\u00ed mi\u1ec5n gi\u1ea3m l\u00e3i. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb ki\u1ec7n ra t\u00f2a, sau khi c\u00f3 b\u1ea3n \u00e1n, doanh nghi\u1ec7p c\u00f2n c\u00f3 th\u1ec3 ch\u1ec9 ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t 9% theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n thay v\u00ec v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m.<\/em><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, theo gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh m\u1ed9t ng\u00e2n h\u00e0ng, nhi\u1ec1u con n\u1ee3 d\u00e1m ch\u1ed1ng \u0111\u1ed1i kh\u00f4ng tr\u1ea3 v\u00ec c\u1eady c\u00f3 “quan h\u1ec7”. “Nhi\u1ec1u v\u1ee5 vi\u1ec7c d\u00f9 \u0111\u00e3 c\u00f3 b\u1ea3n \u00e1n cho ph\u00e9p ng\u00e2n h\u00e0ng ti\u1ebfn h\u00e0nh x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o nh\u01b0ng \u0111\u1ebfn ph\u00fat 89, doanh nghi\u1ec7p v\u1eabn c\u00f3 chi\u00eau \u0111\u1ec3 ‘c\u00e2u gi\u1edd’, ho\u00e3n thi h\u00e0nh \u00e1n ho\u1eb7c th\u1eadm ch\u00ed tuy\u00ean b\u1ed1 kh\u00f4ng tr\u1ea3 v\u00ec c\u00f3 m\u1ed1i quan h\u1ec7 n\u1ecd kia”, \u00f4ng cho bi\u1ebft.<\/p>\n

Theo ch\u1ec9 th\u1ecb c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, t\u1eeb nay \u0111\u1ebfn cu\u1ed1i th\u00e1ng 9, to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u01b0a n\u1ee3 x\u1ea5u v\u1ec1 xu\u1ed1ng d\u01b0\u1edbi 3%. Trao \u0111\u1ed5i v\u1edbi\u00a0VnExpress<\/em>, t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng cho bi\u1ebft, \u0111\u1ec3 \u0111\u1ea1t m\u1ee5c ti\u00eau n\u00e0y, \u00f4ng v\u00e0 c\u00e1c c\u00e1n b\u1ed9 kh\u00f4ng qu\u1ea3n ng\u1ea1i th\u1ee9c \u0111\u00eam d\u1eady s\u1edbm l\u0103n l\u1ed9n \u1edf nh\u00e0 x\u01b0\u1edfng c\u1ee7a c\u00e1c doanh nghi\u1ec7p \u0111ang kh\u00f3 kh\u0103n \u0111\u1ec3 l\u00ean ph\u01b0\u01a1ng \u00e1n, t\u00e1i c\u01a1 c\u1ea5u n\u1ee3 cho h\u1ecd. “Ng\u01b0\u1ee3c l\u1ea1i, nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u00f3 ti\u1ec1n m\u00e0 c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3 nh\u01b0 Ch\u00ed Ph\u00e8o gi\u1eefa th\u1eddi hi\u1ec7n \u0111\u1ea1i th\u00ec ch\u00fang t\u00f4i r\u1ea5t ng\u00e1n, b\u1edfi kh\u00f4ng c\u00f3 s\u1ef1 h\u1ee3p t\u00e1c th\u00ec m\u1ecdi gi\u1ea3i ph\u00e1p \u0111\u1ec1u \u0111i v\u00e0o ng\u00f5 c\u1ee5t m\u00e0 th\u00f4i”, \u00f4ng than th\u1edf.<\/p>\n

Thanh Thanh Lan<\/strong><\/p>\n

————————————-<\/p>\n

VNExpress (Kinh doanh) 24-7-2015:<\/em><\/strong><\/p>\n

http:\/\/kinhdoanh.vnexpress.net\/tin-tuc\/ebank\/ngan-hang\/di-sieu-xe-o-biet-thu-van-chay-i-tra-no-ngan-hang-3253179.html<\/em><\/p>\n

(110\/895)","protected":false},"excerpt":{"rendered":"

(VNE) – L\u00e3nh \u0111\u1ea1o m\u1ed9t ng\u00e2n h\u00e0ng cho bi\u1ebft \u00f4ng kh\u00f4ng ng\u1ea1i x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c doanh nghi\u1ec7p \u0111ang kh\u00f3 kh\u0103n m\u00e0 ng\u00e1n nh\u1ea5t nh\u1eefng “con n\u1ee3” \u0111\u1ea1i gia, l\u00e1i si\u00eau xe, \u0111i \u0111\u00e1nh golf. Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng qu\u1ed1c doanh t\u1eebng d\u00ed d\u1ecfm chia kh\u00e1ch vay th\u00e0nh 3 nh\u00f3m: […]<\/p>\n","protected":false},"author":3,"featured_media":29527,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n734. \u0110i si\u00eau xe, \u1edf bi\u1ec7t th\u1ef1 v\u1eabn ch\u00e2y \u00ec tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng - 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\/en\/734-di-sieu-xe-o-biet-thu-van-chay-i-tra-no-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]734. \u0110i si\u00eau xe, \u1edf bi\u1ec7t th\u1ef1 v\u1eabn ch\u00e2y \u00ec tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(VNE) – L\u00e3nh \u0111\u1ea1o m\u1ed9t ng\u00e2n h\u00e0ng cho bi\u1ebft \u00f4ng kh\u00f4ng ng\u1ea1i x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c doanh nghi\u1ec7p \u0111ang kh\u00f3 kh\u0103n m\u00e0 ng\u00e1n nh\u1ea5t nh\u1eefng “con n\u1ee3” \u0111\u1ea1i gia, l\u00e1i si\u00eau xe, \u0111i \u0111\u00e1nh golf. 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