{"id":29712,"date":"2015-09-08T13:43:13","date_gmt":"2015-09-08T06:43:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29712"},"modified":"2022-06-24T13:48:40","modified_gmt":"2022-06-24T06:48:40","slug":"756-luat-theo-kieu-nho-nho-dung-tung-cho-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/756-luat-theo-kieu-nho-nho-dung-tung-cho-tin-dung-den\/","title":{"rendered":"756. \u201cLu\u1eadt theo ki\u1ec3u nh\u1edd nh\u1edd\u201d dung t\u00fang cho \u201ct\u00edn d\u1ee5ng \u0111en\u201d?"},"content":{"rendered":"(ANTT) – Chi\u1ec1u 7\/9, t\u1ea1i tr\u1ee5 tr\u1edf Li\u00ean hi\u1ec7p c\u00e1c h\u1ed9i khoa h\u1ecdc k\u1ef9 thu\u1eadt Vi\u1ec7t Nam, Trung t\u00e2m Nghi\u00ean c\u1ee9u truy\u1ec1n th\u00f4ng ph\u00e1t tri\u1ec3n (RED) \u0111\u00e3 ph\u1ed1i h\u1ee3p v\u1edbi C\u00f4ng ty Lu\u1eadt Tr\u01b0\u1eddng L\u1ed9c t\u1ed5 ch\u1ee9c h\u1ed9i th\u1ea3o: \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d\u201d.<\/strong><\/p>\n

Cho vay<\/strong>\u00a0<\/strong>ng\u00e2n h\u00e0ng<\/strong>\u00a0<\/strong>c\u0169ng nh\u01b0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d?<\/strong><\/p>\n

Ngay t\u1eeb m\u1edf \u0111\u1ea7u h\u1ed9i th\u1ea3o, kh\u00e1i ni\u1ec7m th\u1ebf n\u00e0o l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111\u00e3 nhanh ch\u00f3ng l\u00e0m n\u00f3ng h\u1ed9i tr\u01b0\u1eddng v\u1edbi nhi\u1ec1u \u00fd ki\u1ebfn.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI nh\u1ea5n m\u1ea1nh r\u1eb1ng \u0111\u00e3 th\u1ea5y nghe nhi\u1ec1u, n\u00f3i nhi\u1ec1u, vi\u1ebft nhi\u1ec1u v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d nh\u01b0ng v\u1ec1 ph\u00e1p l\u00fd th\u00ec kh\u00f4ng d\u1ec5 g\u00ec kh\u1eb3ng \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d b\u1edfi ch\u01b0a c\u00f3 quy \u0111\u1ecbnh hay gi\u1ea3i th\u00edch c\u1ee7a ph\u00e1p lu\u1eadt.<\/em><\/p>\n

L\u00e0m r\u00f5 \u0111i\u1ec1u n\u00e0y, \u00f4ng ph\u00e2n t\u00edch: N\u1ebfu hi\u1ec3u r\u1eb1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d c\u0169ng l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p, c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u201cx\u00e3 h\u1ed9i \u0111en\u201d, \u201cb\u0103ng \u0111\u0129a \u0111en\u201d\u2026 th\u00ec t\u1ee9c l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay nh\u01b0ng v\u1eabn ti\u1ebfn h\u00e0nh cho vay. Nh\u01b0ng n\u1ebfu ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c cho vay \u0111\u01b0\u1ee3c ph\u00e9p hay cho vay kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p, th\u00ec l\u1ea1i kh\u00f3 c\u00f3 th\u1ec3 g\u1ecdi \u0111\u00f3 l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/em><\/p>\n

\"\"<\/p>\n

LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

\u0110\u1ec3 nh\u1eadn di\u1ec7n\u00a0\u201ct\u00edn d\u1ee5ng \u0111en\u201d, hi\u1ec7n, ng\u01b0\u1eddi ta ch\u1ec9 c\u0103n c\u1ee9 v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t cho vay; hay, n\u00f3i \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 nh\u1eafc \u0111\u1ebfn l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p.<\/em><\/p>\n

\u201cNh\u01b0ng n\u1ebfu c\u1ee9 l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p, m\u00e0 \u0111\u1ec1u b\u1ecb coi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, th\u00ec ch\u1eb3ng h\u00f3a ra, m\u1ecdi ho\u1ea1t \u0111\u1ed9ng cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t 13,5% theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u1ec1u l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, th\u1eadm ch\u00ed kh\u00f4ng lo\u1ea1i tr\u1eeb c\u1ea3 vi\u1ec7c cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c?\u201d \u2013 \u00f4ng \u0110\u1ee9c \u0111\u1eb7t c\u00e2u h\u1ecfi.<\/em><\/p>\n

L\u00fd gi\u1ea3i \u0111i\u1ec1u n\u00e0y, v\u1ecb lu\u1eadt s\u01b0 ki\u00eam tr\u1ecdng t\u00e0i vi\u00ean VIAC vi\u1ec7n d\u1eabn, theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2005 th\u00ec \u201cl\u00e3i su\u1ea5t do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn v\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng\u201d. V\u00e0 su\u1ed1t t\u1eeb 2010 \u0111\u1ebfn nay, m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u1eabn \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) c\u00f4ng b\u1ed1 v\u00e0 \u00e1p d\u1ee5ng \u1edf m\u1ee9c 9%\/n\u0103m (Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2619\/Q\u0110-NHNN). Nh\u01b0 v\u1eady, t\u00ednh ra tr\u1ea7n l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng s\u1ebd l\u00e0 13,5%\/n\u0103m.<\/em><\/p>\n

Tuy nhi\u00ean, trong th\u1ef1c t\u1ebf, su\u1ed1t t\u1eeb nh\u1eefng n\u0103m 2011, nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang \u201c\u0111\u1ee9ng ngo\u00e0i\u201d quy \u0111\u1ecbnh n\u00e0y khi c\u00f3 r\u1ea5t nhi\u1ec1u kho\u1ea3n vay \u0111\u00e3 v\u01b0\u1ee3t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t, v\u01b0\u1ee3t c\u1ea3 ng\u01b0\u1ee1ng \u0111\u01b0\u1ee3c lu\u1eadt cho ph\u00e9p l\u00e0 13,5% nh\u01b0ng v\u1eabn kh\u00f4ng b\u1ecb x\u1eed l\u00fd.<\/em><\/p>\n

\u201cDo \u0111\u00f3, mu\u1ed1n x\u1eed l\u00fd c\u00e1c c\u00e1 nh\u00e2n ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay l\u00e3i su\u1ea5t cao c\u0169ng l\u00e0 r\u1ea5t kh\u00f3\u201d \u2013 \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

\u201cLu\u1eadt theo c\u00e1i ki\u1ec3u nh\u1edd nh\u1edd\u201d<\/strong><\/p>\n

Th\u00eam n\u1eefa, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 163 c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1, h\u00e0nh vi cho vay l\u00e3i n\u1eb7ng b\u1ecb xem l\u00e0 ph\u1ea1m t\u1ed9i khi: l\u00e3i su\u1ea5t cho vay cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh t\u1eeb 10 l\u1ea7n tr\u1edf l\u00ean v\u00e0 c\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t.<\/p>\n

Nh\u01b0ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u00e0 x\u1eed l\u00fd c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng cho vay n\u1eb7ng l\u00e3i theo \u0110i\u1ec1u 163 n\u00eau tr\u00ean th\u00ec c\u0169ng kh\u00f4ng \u0111\u01a1n gi\u1ea3n, b\u1edfi, theo lu\u1eadt s\u01b0 Nguy\u1ec5n Th\u1ebf Truy\u1ec1n (C\u00f4ng ty Lu\u1eadt h\u1ee3p danh Thi\u00ean Thanh), th\u1ef1c t\u1ebf c\u00e1c giao d\u1ecbch cho vay ngo\u00e0i kh\u00f4ng bao gi\u1edd ghi “m\u1ee9c l\u00e3i su\u1ea5t\u201d m\u00e0 \u0111\u00f3 ch\u1ec9 l\u00e0 giao d\u1ecbch mi\u1ec7ng n\u00ean r\u1ea5t kh\u00f3 ch\u1ee9ng minh. Ngo\u00e0i ra, vi\u1ec7c ch\u1ee9ng minh \u201cc\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d l\u00e0 \u0111i\u1ec1u kh\u00f3 kh\u0103n v\u00ec b\u1ea3n th\u00e2n c\u00e1c giao d\u1ecbch n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n d\u01b0\u1edbi d\u1ea1ng tho\u1ea3 thu\u1eadn d\u00e2n s\u1ef1 nh\u01b0 u\u1ef7 quy\u1ec1n, \u0111\u1eb7t c\u1ecdc, vay t\u00e0i s\u1ea3n… v\u00e0 \u0111\u1ec1u \u0111\u01b0\u1ee3c t\u1ef1 nguy\u1ec7n th\u1ef1c hi\u1ec7n, kh\u00f4ng l\u1eeba d\u1ed1i, c\u01b0\u1ee1ng \u00e9p…<\/p>\n

\u201cLu\u1eadt ch\u01b0a minh b\u1ea1ch, lu\u1eadt theo c\u00e1i ki\u1ec3u nh\u1edd nh\u1edd\u201d, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh kh\u00f4ng ng\u1ea7n ng\u1ea1i.<\/p>\n

T\u1ed5ng th\u01b0 k\u00fd VNBA, Tr\u1ea7n Th\u1ecb H\u1ed3ng H\u1ea1nh (\u0111ang ph\u00e1t bi\u1ec3u) v\u00e0 TS, Gi\u1ea3ng vi\u00ean Lu\u1eadt Kinh t\u1ebf, Tr\u1ea7n Quang V\u0169 (b\u00ean ph\u1ea3i)<\/em><\/p>\n

T\u01b0\u01a1ng t\u1ef1, tr\u01b0\u1edbc \u0111\u1ed9 \u201cv\u00eanh\u201d c\u1ee7a c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m, Ti\u1ebfn s\u0129 Tr\u1ea7n Quang V\u0169, gi\u1ea3ng vi\u00ean Lu\u1eadt kinh t\u1ebf \u0111\u1eb7t c\u00e2u h\u1ecfi cho c\u00e1c nh\u00e0 l\u00e0m lu\u1eadt: \u201cV\u1eady kho\u1ea3ng gi\u1eefa 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (theo \u0110i\u1ec1u \u00a0476, B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1) v\u00e0 tr\u00ean 10 l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh (\u0110i\u1ec1u 163, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1) th\u00ec l\u00e0 g\u00ec? V\u00e0 trong c\u00e1i kho\u1ea3ng c\u00e1ch \u0111\u1ea5y, c\u00f4ng d\u00e2n c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 hay kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7?\u201d.<\/p>\n

TS. V\u0169 c\u0169ng th\u1eb3ng th\u1eafn b\u00e0y t\u1ecf, y\u1ebfu t\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u00e3 kh\u00f4ng c\u00f2n gi\u00e1 tr\u1ecb th\u1ef1c ti\u1ec5n nh\u01b0ng kh\u00f4ng hi\u1ec3u sao lu\u1eadt d\u00e2n s\u1ef1 v\u1eabn b\u00e1m v\u00e0o \u0111i\u1ec1u \u1ea5y. \u201cB\u1ea3n ch\u1ea5t c\u1ee7a lu\u1eadt ph\u00e1p \u0111\u00e3 kh\u00f4ng \u0111i\u1ec1u ch\u1ec9nh \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 t\u00edn d\u1ee5ng\u201d \u2013 \u00f4ng n\u00f3i.<\/p>\n

TS. V\u0169 khuy\u1ebfn ngh\u1ecb, n\u00ean \u00e1p d\u1ee5ng m\u1ee9c m\u00e0 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 \u0111\u01b0a ra l\u00e0 tr\u00ean 10 l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh th\u00ec ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1, kh\u00f4ng n\u00ean b\u00f3 h\u1eb9p trong \u201cm\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1…\u201d nh\u01b0 B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1.<\/p>\n

Nguy\u00ean t\u1eafc ph\u00e1p l\u00fd cao nh\u1ea5t ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0 \u201ct\u00f4n tr\u1ecdng s\u1ef1 t\u1ef1 nguy\u1ec7n tho\u1ea3 thu\u1eadn c\u1ee7a b\u00ean cho vay v\u00e0 b\u00ean vay\u201d \u2013 \u00f4ng V\u0169 nh\u1ea5n m\u1ea1nh.<\/p>\n

Nh\u1eadn di\u1ec7n \u201ct\u00edn d\u1ee5ng \u0111en\u201d, v\u1ecb gi\u1ea3ng vi\u00ean n\u00e0y cho r\u1eb1ng, v\u1ec1 m\u1eb7t b\u1ea3n ch\u1ea5t, \u0111\u00f3 l\u00e0 nh\u1eefng h\u00e0nh vi d\u00f9ng h\u00ecnh th\u1ee9c vay \u2013 cho vay \u0111\u1ec3 l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n.<\/p>\n

\u201cRi\u00eang v\u0103n ph\u00f2ng t\u00f4i \u0111\u00e3 c\u00f3 400 b\u1ed9 h\u1ed3 s\u01a1\u2026\u201d<\/strong><\/p>\n

C\u00f3 m\u1eb7t t\u1ea1i h\u1ed9i th\u1ea3o, b\u00e0 Tr\u1ea7n Th\u1ecb H\u1ed3ng H\u1ea1nh, T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA) \u0111\u1ed3ng t\u00ecnh r\u1eb1ng h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u00e3 c\u00f3 nh\u1eefng l\u1ed7 h\u1ed5ng v\u00e0 th\u1eeba nh\u1eadn ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u00f4i khi c\u0169ng x\u1ea3y ra nh\u1eefng \u201cr\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c\u201d. Tuy nhi\u00ean,theo b\u00e0, kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00e1nh \u0111\u1ed3ng v\u00e0 c\u1ea7n thi\u1ebft ph\u1ea3i ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u1edbi c\u00e1c h\u00e0nh vi l\u1eeba \u0111\u1ea3o.<\/p>\n

B\u00e0 H\u1ea1nh \u0111\u1ecbnh ngh\u0129a, \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 quan h\u1ec7 t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp tr\u00ean quan h\u1ec7 phi ph\u00e1p, kh\u00f4ng b\u00ecnh \u0111\u1eb3ng, kh\u00f4ng minh b\u1ea1ch, \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn ng\u1ea7m gi\u1eefa ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay; v\u1edbi c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m nh\u01b0: H\u00e0nh \u0111\u1ed9ng cho vay v\u00e0 \u0111i vay \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn ng\u1ea7m gi\u1eefa ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay; C\u00e1c th\u1ee7 t\u1ee5c giao d\u1ecbch c\u00f3 th\u1eadt v\u00e0 kh\u00f4ng c\u00f3 th\u1eadt; Th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n; L\u00e3i su\u1ea5t cao nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 c\u00f4ng khai; Quan h\u1ec7 \u0111i\u1ec1u ch\u1ec9nh gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi vay l\u00e0 \u201clu\u1eadt r\u1eebng\u201d,\u2026<\/p>\n

T\u1ed5ng th\u01b0 k\u00fd VNBA c\u0169ng \u0111\u00e1nh gi\u00e1, x\u00e9t tr\u00ean t\u1ed5ng th\u1ec3 n\u1ec1n kinh t\u1ebf, h\u1ec7 th\u1ed1ng m\u1ea1ng l\u01b0\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 kh\u00e1 ho\u00e0n thi\u1ec7n, k\u1ec3 c\u1ea3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh\u00a0vi m\u00f4 v\u00e0 qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n, \u0111\u00e1p \u1ee9ng ph\u1ea7n l\u1edbn nhu c\u1ea7u vay v\u1ed1n cho c\u00f4ng ch\u00fang. Do \u0111\u00f3, ho\u1ea1t \u0111\u1ed9ng cho vay \u2013 \u0111i vay theo h\u00ecnh th\u1ee9c \u201ct\u00edn d\u1ee5ng \u0111en\u201d th\u1ef1c ch\u1ea5t ch\u1ec9 chi\u1ebfm m\u1ed9t t\u1ef7 tr\u1ecdng r\u1ea5t nh\u1ecf trong n\u1ec1n kinh t\u1ebf.<\/p>\n

C\u00f2n v\u1ec1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t cho vay cao v\u01b0\u1ee3t tr\u1ea7n d\u00e2n s\u1ef1 13,5% \u1edf m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh, b\u00e0 H\u1ea1nh l\u00fd gi\u1ea3i \u0111i\u1ec1u n\u00e0y xu\u1ea5t ph\u00e1t t\u1eeb \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m khi\u1ebfn b\u00ean cho vay ph\u1ea3i ch\u1ecbu m\u1ed9t m\u1ee9c r\u1ee7i ro m\u1ea5t v\u1ed1n l\u1edbn, th\u00eam v\u00e0o \u0111\u00f3, chi ph\u00ed cho vay, chi ph\u00ed th\u1ea9m \u0111\u1ecbnh\u2026 c\u0169ng r\u1ea5t cao. Tuy nhi\u00ean, ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng NHNN c\u0169ng nh\u01b0 c\u00e1c c\u01a1 quan thanh tra, gi\u00e1m s\u00e1t qu\u1ea3n l\u00fd r\u1ea5t ch\u1eb7t.<\/p>\n

LS. Nguy\u1ec5n Th\u1ebf Truy\u1ec1n, C\u00f4ng ty Lu\u1eadt h\u1ee3p danh Thi\u00ean Thanh<\/em><\/p>\n

Kh\u00e1c v\u1edbi \u00fd ki\u1ebfn c\u1ee7a TTK VNBA, Lu\u1eadt s\u01b0 Nguy\u1ec5n Th\u1ebf Truy\u1ec1n l\u1ea1i cho r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111ang ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n v\u00e0 chi\u1ebfm m\u1ed9t t\u1ef7 tr\u1ecdng kh\u00f4ng h\u1ec1 nh\u1ecf trong \u0111\u1eddi s\u1ed1ng x\u00e3 h\u1ed9i. Th\u1eadm ch\u00ed, c\u00f2n c\u00f3 nh\u1eefng \u00fd ki\u1ebfn lo ng\u1ea1i ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u1edf \u0111\u00e2u \u0111\u00f3 c\u00f2n \u0111ang \u0111\u01b0\u1ee3c dung t\u00fang, b\u1ea3o k\u00ea.<\/p>\n

\u201cNg\u00e0y tr\u01b0\u1edbc, b\u01b0\u1edbc ra kh\u1ecfi nh\u00e0 l\u00e0 \u0111\u1eadp ngay v\u00e0o m\u1eaft \u201ckhoan c\u1eaft b\u00ea t\u00f4ng\u201d, c\u00f2n b\u00e2y gi\u1edd, kh\u00f4ng ph\u1ea3i l\u00e0 \u201ckhoan c\u1eaft b\u00ea t\u00f4ng\u201d n\u1eefa m\u00e0 thay v\u00e0o \u0111\u00f3 l\u00e0 \u201ccho vay kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p\u201d. \u201cT\u00edn d\u1ee5ng \u0111en\u201d \u0111ang gi\u0103ng b\u1eaby kh\u1eafp n\u01a1i\u201d \u2013 v\u1ecb lu\u1eadt s\u01b0 n\u00eau ra m\u1ed9t v\u00ed d\u1ee5 g\u1ea7n g\u0169i m\u00e0 h\u00ecnh t\u01b0\u1ee3ng.<\/p>\n

B\u1ed5 sung cho lu\u1eadn \u0111i\u1ec3m, \u00f4ng Truy\u1ec1n c\u00f2n ti\u1ebft l\u1ed9 t\u1ea1i v\u0103n ph\u00f2ng lu\u1eadt c\u1ee7a m\u00ecnh, \u00f4ng v\u00e0 c\u00e1c c\u1ed9ng s\u1ef1 \u0111\u00e3 v\u00e0 \u0111ang ph\u1ea3i th\u1ee5 l\u00fd t\u1edbi g\u1ea7n 400 b\u1ed9 h\u1ed3 s\u01a1 li\u00ean quan t\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d. \u0110\u1ed3ng th\u1eddi, theo v\u1ecb lu\u1eadt s\u01b0 n\u00e0y c\u00f3 nhi\u1ec1u nguy\u00ean nh\u00e2n khi\u1ebfn ng\u01b0\u1eddi d\u00e2n ph\u1ea3i t\u00ecm \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d, tuy nhi\u00ean, th\u1ee7 t\u1ee5c xin vay kh\u00f3 kh\u0103n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c qu\u1ef9 vi m\u00f4 c\u0169ng l\u1ea1i l\u00e0 m\u1ed9t l\u00fd do.<\/p>\n

Gi\u1ea3i ph\u00e1p n\u00e0o?<\/strong><\/p>\n

\u0110\u1ec3 h\u1ea1n ch\u1ebf s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d, \u00f4ng Truy\u1ec1n ki\u1ebfn ngh\u1ecb ph\u1ea3i th\u1ef1c hi\u1ec7n nhi\u1ec1u gi\u1ea3i ph\u00e1p c\u0169ng nh\u01b0 c\u1ea7n c\u00e1c c\u01a1 quan ch\u00ednh ph\u1ee7 ph\u1ea3i c\u00f3 gi\u1ea3i ph\u00e1p c\u1ee5 th\u1ec3. Trong \u0111\u00f3, \u0111i\u1ec3m then ch\u1ed1t l\u00e0 n\u00e2ng cao kh\u1ea3 n\u0103ng qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, gi\u00fap cho ng\u01b0\u1eddi d\u00e2n c\u00f3 \u0111\u01b0\u1ee3c ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n v\u1ec1 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n, qu\u1ea3n tr\u1ecb r\u1ee7i ro, c\u00e2n b\u1eb1ng \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng c\u0169ng nh\u01b0 nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n d\u00f9 ch\u1ec9 \u1edf m\u1ee9c r\u1ea5t nh\u1ecf.<\/p>\n

Ki\u00ean quy\u1ebft \u0111\u1ea5u tranh v\u1edbi nh\u1eefng c\u00f4ng ty, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng \u201cx\u00e3 h\u1ed9i \u0111en\u201d tham gia v\u00e0o nh\u1eefng vi\u1ec7c li\u00ean quan \u0111\u1ebfn vay m\u01b0\u1ee3n, giao d\u1ecbch d\u00e2n s\u1ef1. \u0110\u00e2y ch\u00ednh l\u00e0 nh\u00e2n t\u1ed1 ch\u00ednh t\u1ea1o n\u00ean s\u1ef1 b\u1ea5t b\u00ecnh \u0111\u1eb3ng, \u0111\u1ea9y ng\u01b0\u1eddi y\u1ebfu th\u1ebf v\u00e0o con \u0111\u01b0\u1eddng c\u00f9ng c\u1ef1c h\u01a1n khi tham gia c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u0169ng c\u1ea7n thi\u1ebft ph\u1ea3i minh b\u1ea1ch h\u00f3a, c\u00f4ng khai h\u00f3a c\u00e1c \u0111i\u1ec1u ki\u1ec7n, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c v\u00e0 ph\u00e1t tri\u1ec3n r\u1ed9ng r\u00e3i c\u00e1ch ti\u1ebfp c\u1eadn c\u00e1c ngu\u1ed3n t\u00edn d\u1ee5ng l\u00e0nh m\u1ea1nh t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 uy t\u00edn.<\/p>\n

Trong khi \u0111\u00f3, \u0111\u1ea1i di\u1ec7n cho C\u00f4ng an Tp. H\u00e0 N\u1ed9i, trung t\u00e1 L\u00ea Kh\u1eafc S\u01a1n khuy\u1ebfn c\u00e1o ng\u01b0\u1eddi d\u00e2n n\u00ean m\u1ea1nh d\u1ea1n t\u1ed1 gi\u00e1c h\u00e0nh vi c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d, \u0111\u1eebng s\u1ee3 s\u1ec7t, \u00e2m th\u1ea7m tr\u1ea3 n\u1ee3, \u00e2m th\u1ea7m tr\u1ea3 l\u00e3i\u2026 \u0111\u1ec3 r\u1ed3i cu\u1ed1i c\u00f9ng ph\u1ea3i ch\u1ecbu nh\u1eefng h\u1eadu qu\u1ea3 \u0111au l\u00f2ng. H\u00e0nh \u0111\u1ed9ng t\u1ed1 gi\u00e1c c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u0169ng s\u1ebd g\u00f3p ph\u1ea7n \u0111\u1ecbnh h\u01b0\u1edbng, h\u1ed7 tr\u1ee3 c\u01a1 quan b\u1ea3o v\u1ec7 ph\u00e1p lu\u1eadt\u00a0\u0111i\u1ec1u tra, tri\u1ec7t ph\u00e1 nh\u1eefng t\u1ed5 ch\u1ee9c l\u1eeba \u0111\u1ea3o, n\u00fap b\u00f3ng t\u00edn d\u1ee5ng.<\/p>\n

Cu\u1ed1i c\u00f9ng, ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt, kh\u1eafc ph\u1ee5c c\u00e1c l\u1ed7 h\u1ed5ng trong h\u00e0nh lang ph\u00e1p l\u00fd l\u00e0 \u0111i\u1ec1u m\u00e0 to\u00e0n b\u1ed9 c\u00e1c chuy\u00ean gia, \u0111\u1ea1i bi\u1ec3u v\u00e0 ng\u01b0\u1eddi tham d\u1ef1 h\u1ed9i th\u1ea3o \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d\u201d \u0111\u1eb7c bi\u1ec7t mong m\u1ecfi.<\/p>\n

Ninh Giang<\/strong><\/p>\n

———————————–<\/p>\n

An ninh Ti\u1ec1n t\u1ec7 (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 08-9-2015:<\/em><\/strong><\/p>\n

http:\/\/antt.vn\/luat-theo-kieu-nho-nho-dung-tung-cho-tin-dung-den-0112073.html<\/em><\/p>\n

(414\/1.910)<\/strong>","protected":false},"excerpt":{"rendered":"

(ANTT) – Chi\u1ec1u 7\/9, t\u1ea1i tr\u1ee5 tr\u1edf Li\u00ean hi\u1ec7p c\u00e1c h\u1ed9i khoa h\u1ecdc k\u1ef9 thu\u1eadt Vi\u1ec7t Nam, Trung t\u00e2m Nghi\u00ean c\u1ee9u truy\u1ec1n th\u00f4ng ph\u00e1t tri\u1ec3n (RED) \u0111\u00e3 ph\u1ed1i h\u1ee3p v\u1edbi C\u00f4ng ty Lu\u1eadt Tr\u01b0\u1eddng L\u1ed9c t\u1ed5 ch\u1ee9c h\u1ed9i th\u1ea3o: \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d\u201d. Cho vay\u00a0ng\u00e2n h\u00e0ng\u00a0c\u0169ng nh\u01b0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d? 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Cho vay\u00a0ng\u00e2n h\u00e0ng\u00a0c\u0169ng nh\u01b0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d? 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