{"id":29708,"date":"2016-03-18T13:40:23","date_gmt":"2016-03-18T06:40:23","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29708"},"modified":"2022-06-24T13:43:02","modified_gmt":"2022-06-24T06:43:02","slug":"866-goi-30-nghin-ty-vi-sao-nguoi-vay-khong-the-kien-duoc-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/866-goi-30-nghin-ty-vi-sao-nguoi-vay-khong-the-kien-duoc-ngan-hang\/","title":{"rendered":"866. G\u00f3i 30 ngh\u00ecn t\u1ef7: V\u00ec sao ng\u01b0\u1eddi vay kh\u00f4ng th\u1ec3 ki\u1ec7n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng?"},"content":{"rendered":"(\u0110SPL) – D\u00f9 NHNN kh\u1eb3ng \u0111\u1ecbnh, n\u1ebfu h\u1ee3p \u0111\u1ed3ng vay g\u00f3i 30 ngh\u00ecn t\u1ef7 m\u1eadp m\u1edd, ng\u01b0\u1eddi vay mua nh\u00e0 c\u00f3 th\u1ec3 ki\u1ec7n ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, theo c\u00e1c lu\u1eadt s\u01b0, khi l\u00e0m c\u00e1c h\u1ee3p \u0111\u1ed3ng n\u00e0y, c\u00f3 v\u1ebb nh\u01b0 ca\u0301c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 t\u00ednh r\u1ea5t k\u1ef9 \u0111\u1ec3 th\u1ebf y\u1ebfu lu\u00f4n lu\u00f4n thu\u1ed9c v\u1ec1 ng\u01b0\u1eddi vay, th\u1ebf n\u00ean c\u00e2u chuy\u1ec7n \u0111i ki\u1ec7n kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n…<\/strong><\/p>\n

“Con ki\u1ebfn ki\u1ec7n c\u1ee7 khoai”<\/strong><\/p>\n

Li\u00ean quan \u0111\u1ebfn c\u00e2u chuy\u1ec7n v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay mua nh\u00e0 g\u00f3i 30 ngh\u00ecn t\u1ef7 , n\u1ebfu gi\u1ea3i ng\u00e2n sau 1\/6 s\u1ebd ph\u1ea3i tr\u1ea3 theo l\u00e3i su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, \u0111\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u1eb3ng \u0111\u1ecbnh, n\u1ebfu h\u1ee3p \u0111\u1ed3ng m\u1eadp m\u1edd, ng\u01b0\u1eddi vay mua nh\u00e0 c\u00f3 th\u1ec3 ki\u1ec7n ng\u00e2n h\u00e0ng.<\/p>\n

Th\u1ebf nh\u01b0ng theo c\u00e1c lu\u1eadt s\u01b0, khi l\u00e0m c\u00e1c h\u1ee3p \u0111\u1ed3ng n\u00e0y, c\u00f3 v\u1ebb nh\u01b0 ca\u0301c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 t\u00ednh r\u1ea5t k\u1ef9 \u0111\u1ec3 th\u1ebf y\u1ebfu lu\u00f4n lu\u00f4n thu\u1ed9c v\u1ec1 ng\u01b0\u1eddi vay, th\u1ebf n\u00ean c\u00e2u chuy\u1ec7n \u0111i ki\u1ec7n kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n.<\/p>\n

Th\u00f4ng tin tr\u00ean VTV, anh Tu\u1ea5n, m\u1ed9t ng\u01b0\u1eddi d\u00e2n vay g\u00f3i 30 ngh\u00ecn t\u1ef7 cho bi\u1ebft, trong h\u1ee3p \u0111\u1ed3ng vay g\u00f3i 30 ngh\u00ecn t\u1ef7 c\u1ee7a anh, \u0111i\u1ec3m 2 ghi r\u00f5 \u201cl\u00e3i su\u1ea5t c\u00e1c n\u0103m ti\u1ebfp theo s\u1ebd kh\u00f4ng qu\u00e1 6%\/n\u0103m\u201d. Th\u1ebf nh\u01b0ng, m\u1edbi \u0111\u00e2y, li\u00ean l\u1ea1c v\u1edbi ng\u00e2n h\u00e0ng, anh th\u1eadt s\u1ef1 b\u1ea5t ng\u1edd khi nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi: \u201cCh\u01b0a bi\u1ebft l\u00e3i su\u1ea5t s\u1ebd nh\u01b0 th\u1ebf n\u00e0o….\u201d. Gi\u1edd th\u00ec kho\u1ea3n l\u00e3i t\u1eeb 500 tri\u1ec7u \u0111\u1ed3ng gi\u1ea3i ng\u00e2n sau 1\/6 th\u1ef1c s\u1ef1 l\u00e0 g\u00e1nh n\u1eb7ng v\u1edbi gia \u0111\u00ecnh anh.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
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1.1.1.1\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec1u kho\u1ea3n v\u1ec1 l\u00e3i su\u1ea5t c\u00f3 ghi, l\u00e3i su\u1ea5t l\u00e0 5%\/n\u0103m \u00e1p d\u1ee5ng trong n\u0103m 2015, c\u00e1c n\u0103m ti\u1ebfp theo l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 6%\/n\u0103m. Nh\u01b0 v\u1eady, ng\u01b0\u1eddi \u0111i vay s\u1ebd hi\u1ec3u, c\u00e1c kho\u1ea3n gi\u1ea3i ng\u00e2n sau n\u00e0y c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i. (\u1ea2nh: C\u1eaft t\u1eeb clip c\u1ee7a VTV).<\/em><\/h4>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110i\u1ec1u \u0111\u00e1ng l\u01b0u t\u00e2m trong h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n c\u1ee7a anh Tu\u1ea5n l\u00e0, \u0111i\u1ec1u kho\u1ea3n v\u1ec1 l\u00e3i su\u1ea5t c\u00f3 ghi, l\u00e3i su\u1ea5t l\u00e0 5%\/n\u0103m \u00e1p d\u1ee5ng trong n\u0103m 2015, c\u00e1c n\u0103m ti\u1ebfp theo l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 6%\/n\u0103m. Nh\u01b0 v\u1eady, ng\u01b0\u1eddi \u0111i vay s\u1ebd hi\u1ec3u, c\u00e1c kho\u1ea3n gi\u1ea3i ng\u00e2n sau n\u00e0y c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i.<\/p>\n

Tuy nhi\u00ean, lu\u1eadt s\u01b0 cho r\u1eb1ng, \u0111i\u1ec1u kho\u1ea3n n\u00e0y trong h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng t\u00ednh r\u1ea5t k\u0129 v\u1ec1 c\u00e2u ch\u1eef \u0111\u1ec3 ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 th\u1ec3 hi\u1ec3u nh\u1ea7m nh\u01b0ng ph\u00eda ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng sai. N\u1ebfu l\u00e3i su\u1ea5t t\u0103ng khi g\u00f3i 30 ngh\u00ecn t\u1ef7 k\u1ebft th\u00fac.<\/p>\n

\u201cM\u1eb7c d\u00f9 cam k\u1ebft \u0111\u00e3 r\u1ea5t r\u00f5 r\u00e0ng, h\u1ee3p \u0111\u1ed3ng vay ghi r\u00f5 l\u00e0 \u201ckh\u00f4ng qu\u00e1 6%\/n\u0103m\u201d, th\u1ebf nh\u01b0ng ng\u00e2n h\u00e0ng v\u1eabn c\u00f3 th\u1ec3 c\u00e3i \u1edf ch\u1ed7, kh\u00f4ng bi\u1ebft 6% n\u00e0y \u0111\u1ec3 \u00e1p d\u1ee5ng cho kho\u1ea3n n\u00e0o, kho\u1ea3n gi\u1ea3i ng\u00e2n tr\u01b0\u1edbc 2015 hay tr\u01b0\u1edbc 1\/6 ho\u1eb7c sau 1\/6\/2016\u201d, lu\u1eadt s\u1ef1 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho bi\u1ebft.<\/em><\/p>\n

M\u1eb7t kh\u00e1c, trong \u0111i\u1ec1u kho\u1ea3n v\u1ec1 l\u00e3i su\u1ea5t th\u00ec kh\u00f4ng m\u1ed9t t\u1eeb n\u00e0o \u0111\u1ec1 c\u1eadp t\u1edbi vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i sau ng\u00e0y 1\/6\/2016, thay v\u00e0o \u0111\u00f3, ch\u1ec9 l\u00e0 c\u00e2u \u201ctheo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u201d. D\u0129 nhi\u00ean, ng\u01b0\u1eddi d\u00e2n s\u1ebd hi\u1ec3u, g\u00f3i \u01b0u \u0111\u00e3i th\u00ec l\u00e3i su\u1ea5t s\u1ebd \u01b0u \u0111\u00e3i.<\/em><\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
\n

1.1.1.2\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ph\u1ea7n tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi cho vay, h\u1ee3p \u0111\u1ed3ng c\u00f2n ghi: \u201cNg\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t \u0111\u1ed9t xu\u1ea5t…\u201d (\u1ea2nh c\u1eaft t\u1eeb ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a VTV).<\/em><\/h4>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

H\u01a1n n\u1eefa, ph\u1ea7n tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi cho vay, h\u1ee3p \u0111\u1ed3ng c\u00f2n ghi: \u201cNg\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t \u0111\u1ed9t xu\u1ea5t…\u201d<\/em><\/p>\n

\u201cT\u00f4i kh\u1eb3ng \u0111\u1ecbnh ng\u01b0\u1eddi d\u00e2n kh\u00f4ng th\u1ec3 ki\u1ec7n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng, v\u00ec \u0111\u00e2y kh\u00f4ng ph\u1ea3i g\u00f3i vay ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, kh\u00f4ng ph\u1ea3i th\u1ecfa thu\u1eadn tr\u00ean c\u01a1 s\u1edf 2 b\u00ean, m\u00e0 l\u00e0 tri\u1ec3n khai m\u1ed9t ch\u00ednh s\u00e1ch, m\u1ed9t quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 n\u01b0\u1edbc. N\u00ean, t\u1ea5t c\u1ea3 v\u1ea5n \u0111\u1ec1 nh\u01b0 \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t bao nhi\u00eau? \u0110\u01b0\u1ee3c gi\u1ea3i ng\u00e2n th\u1eddi h\u1ea1n nh\u01b0 th\u1ebf n\u00e0o?…\u0111\u00f3 l\u00e0 do ch\u00ednh s\u00e1ch g\u1ed1c\u201d, lu\u1eadt s\u01b0 \u0110\u1ee9c kh\u1eb3ng \u0111\u1ecbnh.<\/em><\/p>\n

Theo NHNN, \u0111\u1ebfn \u0111\u1ea7u n\u0103m 2016 \u0111\u00e3 c\u00f3 h\u00e0ng ch\u1ee5c ngh\u00ecn kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n vay g\u00f3i 30 ngh\u00ecn t\u1ef7. V\u00e0 r\u1ea5t nhi\u1ec1u trong s\u1ed1 n\u00e0y, h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n \u0111\u01b0\u1ee3c k\u00ed v\u1edbi nh\u1eefng \u0111i\u1ec1u kho\u1ea3n l\u1ecfng l\u1ebbo nh\u01b0 tr\u00ean. Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, ng\u01b0\u1eddi vay \u0111\u00e3 \u1edf th\u1ebf y\u1ebfu t\u1eeb tr\u00ean h\u1ee3p \u0111\u1ed3ng, ng\u00e2n h\u00e0ng n\u1eafm \u0111\u1eb1ng chu\u00f4i, n\u00e0o nh\u00e0, n\u00e0o ti\u1ec1n. Ng\u01b0\u1eddi \u0111i vay c\u00f3 ki\u1ec7n c\u0169ng kh\u00f4ng kh\u00e1c g\u00ec \u201ccon ki\u1ebfn m\u00e0 ki\u1ec7n c\u1ee7 khoai\u201d.<\/p>\n

C\u00f3 th\u1ec3 \u0111\u1ea9y ng\u01b0\u1eddi d\u00e2n \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en<\/strong><\/p>\n

Nhi\u1ec1u chuy\u00ean gia kinh t\u1ebf cho r\u1eb1ng, m\u1eb7c d\u00f9 g\u00f3i 30 ngh\u00ecn t\u1ef7 ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi cho th\u1eddi k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3ng b\u0103ng nh\u01b0ng \u0111\u1ed1i t\u01b0\u1ee3ng th\u1ee5 h\u01b0\u1edfng ch\u00ednh l\u00e0 ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p. B\u1edfi v\u1eady, khi x\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch, c\u01a1 quan ch\u1ee9c n\u0103ng ph\u1ea3i t\u00ednh \u0111\u1ebfn kh\u1ea3 n\u0103ng khi ch\u00ednh s\u00e1ch k\u1ebft th\u00fac th\u00ec ph\u1ea3i c\u00f3 c\u01a1 ch\u1ebf chuy\u1ec3n ti\u1ebfp ph\u00f9 h\u1ee3p, k\u1ecbp th\u1eddi, tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed1i t\u01b0\u1ee3ng th\u1ee5 h\u01b0\u1edfng b\u1ecb h\u1ee5t h\u1eabng, th\u1eadm ch\u00ed g\u00e1nh th\u00eam kh\u00f3 kh\u0103n. C\u00f3 nh\u01b0 v\u1eady m\u1edbi l\u1ea5p \u0111\u01b0\u1ee3c \u201ckho\u1ea3ng tr\u1ed1ng\u201d ch\u00ednh s\u00e1ch \u0111\u1ec3 g\u00f3i 30.000 t\u1ef7 th\u1ef1c s\u1ef1 th\u1ec3 hi\u1ec7n \u0111\u01b0\u1ee3c t\u00ednh nh\u00e2n v\u0103n nh\u01b0 m\u1ee5c ti\u00eau \u0111\u1ec1 ra.<\/p>\n

Theo \u00f4ng L\u00ea Ho\u00e0ng Ch\u00e2u, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i B\u0110S TP HCM , v\u1edbi g\u00f3i 30.000 t\u1ef7, n\u1ebfu \u0111\u1ebfn ng\u00e0y 31\/5\/2016 m\u00e0 ng\u01b0\u1eddi vay ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n, ho\u1eb7c m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n m\u1ed9t ph\u1ea7n v\u00e0 ch\u1ea5m d\u1ee9t th\u00ec ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p \u0111\u00f4 th\u1ecb s\u1ebd l\u00e2m v\u00e0o ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n, kh\u00f4ng bi\u1ebft xoay s\u1edf nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 c\u00f3 ti\u1ec1n mua nh\u00e0, nh\u1ea5t l\u00e0 nh\u1eefng nh\u00e0 \u0111ang n\u1ed9p ti\u1ec1n d\u1edf dang theo ti\u1ebfn \u0111\u1ed9.<\/p>\n

N\u1ebfu vay theo ph\u01b0\u01a1ng th\u1ee9c th\u01b0\u01a1ng m\u1ea1i th\u00ec ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, c\u0169ng kh\u00f4ng th\u1ec3 ch\u1ee9ng minh thu nh\u1eadp theo \u0111i\u1ec1u ki\u1ec7n c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i quy \u0111\u1ecbnh. B\u1edfi l\u1ebd, khi th\u1ecfa m\u00e3n \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 vay g\u00f3i 30.000 t\u1ef7 th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a vay th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

N\u1ebfu gi\u1ea3 \u0111\u1ecbnh \u0111\u01b0\u1ee3c vay th\u01b0\u01a1ng m\u1ea1i, th\u00ec v\u1edbi l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 l\u00ean t\u1edbi 12-13% trong n\u0103m 2016 l\u00e0 g\u00e1nh n\u1eb7ng kh\u00f3 kham n\u1ed5i. Trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 \u0111\u00f3ng tr\u01b0\u1edbc 20% c\u0103n h\u1ed9 r\u1ed3i th\u00ec nh\u1eefng ng\u01b0\u1eddi n\u00e0y c\u1ed1 g\u1eafng xoay ti\u1ec1n \u0111\u1ec3 s\u1edf h\u1eefu b\u1eb1ng \u0111\u01b0\u1ee3c c\u0103n nh\u00e0. N\u1ebfu nh\u01b0 v\u1eady r\u1ea5t d\u1ec5 d\u1eabn \u0111\u1ebfn vi\u1ec7c vay ngo\u00e0i x\u00e3 h\u1ed9i, th\u1eadm ch\u00ed vay t\u00edn d\u1ee5ng \u0111en. L\u00fac n\u00e0y h\u1ec7 qu\u1ea3 kh\u00f4ng c\u00f2n kh\u00f3 l\u01b0\u1eddng n\u1eefa m\u00e0 r\u1ea5t nguy hi\u1ec3m.<\/p>\n

\u201cTrong tr\u01b0\u1eddng h\u1ee3p Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh ch\u1ea5m d\u1ee9t gi\u1ea3i ng\u00e2n k\u1ec3 t\u1eeb ng\u00e0y 1\/6\/2016 th\u00ec c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf x\u1eed l\u00fd chuy\u1ec3n ti\u1ebfp \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111\u1ebfn cu\u1ed1i th\u00e1ng 5\/2016 \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng vay g\u00f3i 30.000 t\u1ef7 \u0111\u1ed3ng nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n, ho\u1eb7c ch\u1ec9 m\u1edbi \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n m\u1ed9t ph\u1ea7n.<\/p>\n

B\u1edfi tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng vay g\u00f3i \u01b0u \u0111\u00e3i, ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p \u0111\u00f4 th\u1ecb \u0111\u00e3 ph\u1ea3i k\u00fd h\u1ee3p \u0111\u1ed3ng mua nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i (d\u01b0\u1edbi 1,05 t\u1ef7 \u0111\u1ed3ng m\u1ed9t c\u0103n h\u1ed9) v\u1edbi ch\u1ee7 \u0111\u1ea7u t\u01b0, v\u00e0 \u0111\u00e3 ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc 20% gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng.<\/p>\n

\u0110\u1ec1 ngh\u1ecb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 \u0111\u1ea1o c\u01a1 ch\u1ebf chuy\u1ec3n ti\u1ebfp \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00e0y. C\u00f3 th\u1ec3 l\u00e0 cho ph\u00e9p ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c gi\u1ea3i ng\u00e2n c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng vay nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n, ho\u1eb7c ch\u1ec9 m\u1edbi gi\u1ea3i ng\u00e2n m\u1ed9t ph\u1ea7n \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n \u0111\u1ebfn h\u1ebft h\u1ee3p \u0111\u1ed3ng. N\u1ebfu \u0111\u00f3ng ho\u00e0n to\u00e0n g\u00f3i t\u00edn d\u1ee5ng v\u00e0 chi\u1ebfu theo Th\u00f4ng t\u01b0 11 th\u00ec kh\u1ea3 n\u0103ng d\u1eabn \u0111\u1ebfn nh\u1eefng h\u1ec7 qu\u1ea3 ti\u00eau c\u1ef1c\u201d, \u00f4ng Ch\u00e2u nh\u1ea5n m\u1ea1nh.<\/p>\n

Trong m\u1ed9t di\u1ec5n bi\u1ebfn kh\u00e1c, tr\u01b0\u1edbc t\u00ecnh c\u1ea3nh h\u1ee3p \u0111\u1ed3ng mua nh\u00e0 \u0111\u00e3 k\u00fd, nh\u01b0ng sau ng\u00e0y 1\/6 s\u1ebd ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi mua nh\u00e0 t\u00ednh \u0111\u1ebfn ph\u01b0\u01a1ng \u00e1n l\u00e0m \u0111\u01a1n xin ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n 100%, d\u00f9 d\u1ef1 \u00e1n ch\u01b0a ho\u00e0n th\u00e0nh.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, c\u00e1ch l\u00e0m tr\u00ean c\u00f3 th\u1ec3 g\u00e2y r\u1ee7i ro cho ch\u00ednh ng\u01b0\u1eddi mua v\u00e0 quan tr\u1ecdng h\u01a1n l\u00e0 ch\u01b0a ch\u1eafc \u0111\u00e3 c\u00f3 ng\u00e2n h\u00e0ng n\u00e0o d\u00e1m m\u1ea1o hi\u1ec3m r\u00f3t ti\u1ec1n cho d\u1ef1 \u00e1n theo ph\u01b0\u01a1ng \u00e1n n\u00e0y.<\/p>\n

C\u00e1c chuy\u00ean gia cho bi\u1ebft, Lu\u1eadt kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n hi\u1ec7n nay quy \u0111\u1ecbnh r\u00f5, ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c thu qu\u00e1 70% gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng khi d\u1ef1 \u00e1n ch\u01b0a b\u00e0n giao nh\u00e0 cho ng\u01b0\u1eddi d\u00e2n. V\u00ec th\u1ebf, kh\u00f3 c\u00f3 chuy\u1ec7n ng\u00e2n h\u00e0ng s\u1ebd b\u1ecf qua ti\u1ebfn \u0111\u1ed9 c\u1ee7a d\u1ef1 \u00e1n m\u00e0 m\u1ea1o hi\u1ec3m r\u00f3t v\u1ed1n 100% d\u00f9 ng\u01b0\u1eddi vay ti\u1ec1n c\u00f3 y\u00eau c\u1ea7u.<\/p>\n\n\n\n
Li\u00ean quan \u0111\u1ebfn g\u00f3i t\u00edn d\u1ee5ng 30 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc v\u1eeba y\u00eau c\u1ea7u c\u00e1c NHTM ki\u1ec3m tra, r\u00e0 so\u00e1t l\u1ea1i c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn n\u1ed9i b\u1ed9 v\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd v\u1edbi kh\u00e1ch h\u00e0ng…<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) v\u1eeba c\u00f3 v\u0103n b\u1ea3n s\u1ed1 1425\/NHNN-TD g\u1eedi m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1ec1 vi\u1ec7c th\u1ef1c hi\u1ec7n Ch\u01b0\u01a1ng tr\u00ecnh cho vay h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf theo Ngh\u1ecb quy\u1ebft 02\/NQ-CP.<\/p>\n

Theo v\u0103n b\u1ea3n n\u00e0y, v\u1eeba qua c\u00f3 th\u00f4ng tin ph\u1ea3n \u00e1nh m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng vay v\u1ed1n Ch\u01b0\u01a1ng tr\u00ecnh cho vay h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf (g\u00f3i 30.000 t\u1ef7 \u0111\u1ed3ng) theo Ngh\u1ecb quy\u1ebft 02\/NQ-CP b\u1ea5t ng\u1edd khi bi\u1ebft ph\u1ea7n d\u01b0 n\u1ee3 gi\u1ea3i ng\u00e2n sau ng\u00e0y 01\/6\/2016 s\u1ebd ch\u1ecbu l\u00e3i su\u1ea5t vay th\u01b0\u01a1ng m\u1ea1i, n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng quy \u0111\u1ecbnh ch\u01b0a r\u00f5 r\u00e0ng v\u1ec1 th\u1eddi h\u1ea1n \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t tr\u01b0\u1edbc v\u00e0 sau th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac gi\u1ea3i ng\u00e2n t\u00e1i c\u1ea5p v\u1ed1n c\u1ee7a NHNN. Do v\u1eady, NHNN \u0111\u1ec1 ngh\u1ecb c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 n\u1ed9i dung sau:<\/p>\n

Ki\u1ec3m tra, r\u00e0 so\u00e1t l\u1ea1i c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn n\u1ed9i b\u1ed9 v\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd v\u1edbi kh\u00e1ch h\u00e0ng (bao g\u1ed3m c\u1ea3 ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, c\u00e1c v\u0103n b\u1ea3n th\u00f4ng b\u00e1o l\u00e3i su\u1ea5t\u2026) \u0111\u00e3 \u0111\u00fang quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a NHNN hay ch\u01b0a. C\u1ee5 th\u1ec3: Ph\u1ea7n d\u01b0 n\u1ee3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n t\u1eeb ng\u00e0y NHNN k\u1ebft th\u00fac gi\u1ea3i ng\u00e2n t\u00e1i c\u1ea5p v\u1ed1n tr\u1edf v\u1ec1 tr\u01b0\u1edbc \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t vay \u01b0u \u0111\u00e3i c\u1ee7a Ch\u01b0\u01a1ng tr\u00ecnh trong su\u1ed1t th\u1eddi gian vay v\u1ed1n, ph\u1ea7n d\u01b0 n\u1ee3 gi\u1ea3i ng\u00e2n sau th\u1eddi \u0111i\u1ec3m n\u00e0y h\u01b0\u1edfng l\u00e3i su\u1ea5t vay th\u01b0\u01a1ng m\u1ea1i theo th\u1ecfa thu\u1eadn gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

T\u0103ng c\u01b0\u1eddng ki\u1ec3m tra, r\u00e0 so\u00e1t vi\u1ec7c cho vay, gi\u1ea3i ng\u00e2n \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a NHNN t\u1ea1i Th\u00f4ng t\u01b0 11\/2013\/TT-NHNN, Th\u00f4ng t\u01b0 32\/2015\/TT-NHNN, c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn v\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan. Nghi\u00eam c\u1ea5m c\u00e1c h\u00e0nh vi l\u00e1ch lu\u1eadt, tr\u1ee5c l\u1ee3i ch\u00ednh s\u00e1ch tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m NHNN k\u1ebft th\u00fac gi\u1ea3i ng\u00e2n t\u00e1i c\u1ea5p v\u1ed1n.<\/p>\n

Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i b\u00e1o c\u00e1o k\u1ebft qu\u1ea3 k\u1ebft qu\u1ea3 ki\u1ec3m tra, r\u00e0 so\u00e1t (k\u1ec3 c\u1ea3 c\u00e1c vi ph\u1ea1m, t\u1ed3n t\u1ea1i) v\u1ec1 NHNN (V\u1ee5 T\u00edn d\u1ee5ng c\u00e1c ng\u00e0nh kinh t\u1ebf) ch\u1eadm nh\u1ea5t ng\u00e0y 17\/3\/2016.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ng\u1ecdc Anh<\/strong>\u00a0<\/em>(T\u1ed5ng h\u1ee3p)<\/em><\/p>\n

—————————————————————-<\/p>\n

\u0110\u1eddi s\u1ed1ng & Ph\u00e1p lu\u1eadt (Th\u1ecb tr\u01b0\u1edfng) 18-3-2016:<\/em><\/strong><\/p>\n

http:\/\/www.doisongphapluat.com\/kinh-doanh\/thi-truong\/goi-30-nghin-ty-vi-sao-nguoi-vay-khong-the-kien-ngan-hang-a137517.html<\/a><\/em><\/p>\n

(188\/1.841)","protected":false},"excerpt":{"rendered":"

(\u0110SPL) – D\u00f9 NHNN kh\u1eb3ng \u0111\u1ecbnh, n\u1ebfu h\u1ee3p \u0111\u1ed3ng vay g\u00f3i 30 ngh\u00ecn t\u1ef7 m\u1eadp m\u1edd, ng\u01b0\u1eddi vay mua nh\u00e0 c\u00f3 th\u1ec3 ki\u1ec7n ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, theo c\u00e1c lu\u1eadt s\u01b0, khi l\u00e0m c\u00e1c h\u1ee3p \u0111\u1ed3ng n\u00e0y, c\u00f3 v\u1ebb nh\u01b0 ca\u0301c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 t\u00ednh r\u1ea5t k\u1ef9 \u0111\u1ec3 th\u1ebf y\u1ebfu lu\u00f4n lu\u00f4n thu\u1ed9c v\u1ec1 […]<\/p>\n","protected":false},"author":1,"featured_media":29710,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29708","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n866. 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