{"id":29728,"date":"2015-09-08T13:53:35","date_gmt":"2015-09-08T06:53:35","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29728"},"modified":"2022-06-24T13:55:27","modified_gmt":"2022-06-24T06:55:27","slug":"758-mat-nha-mat-dat-tu-bay-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/758-mat-nha-mat-dat-tu-bay-tin-dung-den\/","title":{"rendered":"758. M\u1ea5t nh\u00e0, m\u1ea5t \u0111\u1ea5t t\u1eeb b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d"},"content":{"rendered":"(\u0110BND) – Nh\u1eefng kh\u00f3 kh\u0103n kinh t\u1ebf v\u00e0 s\u1ef1 k\u00e9m hi\u1ec3u bi\u1ebft ph\u00e1p lu\u1eadt \u0111\u00e3 \u0111\u1ea9y ng\u01b0\u1eddi d\u00e2n v\u00e0o v\u00f2ng xo\u00e1y c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d. R\u1ed3i m\u1ed9t ng\u00e0y h\u1ecd tr\u1edf n\u00ean tr\u1eafng tay khi kh\u00f4ng c\u00f2n nh\u00e0, kh\u00f4ng c\u00f2n \u0111\u1ea5t v\u00ec nh\u1eefng th\u1ee7 \u0111o\u1ea1n cho vay. \u0110i\u1ec1u \u0111\u00e1ng n\u00f3i l\u00e0, m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n c\u1ee7a t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en gia t\u0103ng l\u00e0 c\u00f3 s\u1ef1 ti\u1ebfp tay c\u1ee7a m\u1ed9t s\u1ed1 nh\u00e2n vi\u00ean c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, s\u1ef1 bu\u00f4ng l\u1ecfng qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ch\u1ee9ng v\u00e0 ch\u00ednh t\u1eeb s\u1ef1 thi\u1ebfu ch\u1eb7t ch\u1ebd c\u1ee7a h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt.<\/strong><\/p>\n

\"\"<\/p>\n

Chuy\u1ec3n nh\u01b0\u1ee3ng kh\u1ed1ng, m\u1ea5t nh\u00e0 th\u1eadt<\/strong><\/p>\n

C\u00f3 ng\u01b0\u1eddi \u0111\u00e3 v\u00ed von r\u1eb1ng, gi\u1edd ra ng\u00f5 l\u00e0 g\u1eb7p \u201ct\u00edn d\u1ee5ng \u0111en\u201d, ch\u1ed7 n\u00e0o c\u0169ng c\u00f3 qu\u1ea3ng c\u00e1o v\u1eb7t l\u00e0 \u201ccho vay kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p\u201d. Ch\u00ednh v\u00ec tin v\u00e0o nh\u1eefng d\u1ecbch v\u1ee5 ki\u1ec3u n\u00e0y \u0111\u00e3 \u0111\u1ea9y nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 kh\u00f3 l\u1ea1i c\u00e0ng kh\u00f3 h\u01a1n, l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng m\u1ea5t \u0111\u1ea5t, m\u1ea5t nh\u00e0.<\/p>\n

Nhi\u1ec1u h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n vay v\u1ed1n \u0111\u1ec3 kinh doanh nh\u01b0ng v\u00ec thi\u1ebfu hi\u1ec3u bi\u1ebft v\u1ec1 th\u1ee7 t\u1ee5c vay v\u1ed1n \u1edf ng\u00e2n h\u00e0ng m\u00e0 h\u1ecd \u0111\u00e3 ch\u1ecdn con \u0111\u01b0\u1eddng vay t\u00edn d\u1ee5ng \u0111en \u0111\u1ec3 c\u00f3 v\u1ed1n kinh doanh. T\u1eeb th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh, Lu\u1eadt s\u01b0 Nguy\u1ec5n Anh Tu\u1ea5n\u00a0cho bi\u1ebft, th\u1ee7 t\u1ee5c \u201ct\u00edn d\u1ee5ng \u0111en\u201d r\u1ea5t nhanh v\u00e0 g\u1ecdn, th\u1eadm ch\u00ed kh\u00f4ng c\u1ea7n h\u1ee3p \u0111\u1ed3ng, ch\u1ec9 c\u1ea7n k\u00fd v\u00e0o s\u1ed5 vay ti\u1ec1n v\u00e0 th\u1ef1c hi\u1ec7n bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m tr\u1ea3 ti\u1ec1n vay cho b\u00ean vay b\u1eb1ng c\u00e1ch k\u00fd: H\u1ee3p \u0111\u1ed3ng mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf, quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u1edf cho b\u00ean cho vay, v\u1edbi gi\u00e1 chuy\u1ec3n nh\u01b0\u1ee3ng b\u1eb1ng s\u1ed1 ti\u1ec1n vay th\u1ea5p h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u1ee7a t\u00e0i s\u1ea3n chuy\u1ec3n nh\u01b0\u1ee3ng, ho\u1eb7c b\u00ean vay k\u00fd H\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n cho b\u00ean cho vay \u201ct\u00edn d\u1ee5ng \u0111en\u201d to\u00e0n quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n nh\u00e0 \u0111\u1ea5t c\u1ee7a m\u00ecnh \u0111\u1ec3 l\u00e0m tin, xem nh\u01b0 m\u1ed9t h\u00ecnh th\u1ee9c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n.<\/p>\n

\u0110i\u1ec1u \u0111\u00e1ng ch\u00fa \u00fd l\u00e0, th\u1ee7 t\u1ee5c c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng do b\u00ean vay li\u00ean h\u1ec7 c\u00f3 khi \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ngay \u1edf qu\u00e1n c\u00e0 ph\u00ea, qu\u00e1n c\u00f3c v\u1ec9a h\u00e8, ho\u1eb7c t\u1ea1i ch\u1ee3, Lu\u1eadt s\u01b0 Tu\u1ea5n cho bi\u1ebft.<\/p>\n

Trong qu\u00e1 tr\u00ecnh \u0111\u00f3, hai b\u00ean th\u1ed1ng nh\u1ea5t khi n\u00e0o b\u00ean vay tr\u1ea3 ti\u1ec1n cho b\u00ean cho vay th\u00ec s\u1ebd h\u1ee7y h\u1ee3p \u0111\u1ed3ng. Vi\u1ec7c k\u00fd k\u1ebft ch\u1ec9 l\u00e0 h\u00ecnh th\u1ee9c, kh\u00f4ng c\u00f3 vi\u1ec7c giao nh\u1eadn nh\u00e0 \u0111\u1ea5t v\u00e0 ti\u1ec1n chuy\u1ec3n nh\u01b0\u1ee3ng. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, sau khi n\u1eafm \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n chuy\u1ec3n nh\u01b0\u1ee3ng trong tay, b\u00ean cho vay \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111\u00e3 l\u00e0m th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd thay \u0111\u1ed5i sang t\u00ean \u0111\u1ec3 tr\u1edf th\u00e0nh ng\u01b0\u1eddi s\u1eed d\u1ee5ng \u0111\u1ea5t, s\u1edf h\u1eefu nh\u00e0, r\u1ed3i b\u00e1n ti\u1ebfp cho \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c, ho\u1eb7c d\u00f9ng l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cho ng\u00e2n h\u00e0ng \u0111\u1ec3 vay v\u1ed1n. Lu\u1eadt s\u01b0 Tu\u1ea5n cho bi\u1ebft, h\u1eadu qu\u1ea3 c\u1ee7a t\u00edn d\u1ee5ng \u0111en \u0111\u00e3 l\u00e0m cho ng\u01b0\u1eddi \u0111i vay l\u00e2m v\u00e0o c\u1ea3nh m\u1ea5t nh\u00e0, m\u1ea5t \u0111\u1ea5t, ng\u00e2n h\u00e0ng m\u1ea5t ti\u1ec1n cho vay, T\u00f2a \u00e1n v\u00e0 c\u01a1 quan thi h\u00e0nh \u00e1n g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n trong vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p, thi h\u00e0nh \u00e1n.<\/p>\n\n\n\n
Theo th\u1ed1ng k\u00ea c\u1ee7a T\u1ed5ng c\u1ee5c C\u1ea3nh s\u00e1t ph\u00f2ng, ch\u1ed1ng t\u1ed9i ph\u1ea1m, t\u1eeb n\u0103m 2010 \u0111\u1ebfn nay c\u1ea3 n\u01b0\u1edbc c\u00f3 h\u01a1n 4.900 v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d trong \u0111\u00f3 c\u00f3 g\u1ea7n 2.300 v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n v\u1edbi s\u1ed1 ti\u1ec1n thi\u1ec7t h\u1ea1i g\u1ea7n 5.500 t\u1ef7 \u0111\u1ed3ng. Ch\u1ec9 t\u00ednh ri\u00eang 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2014, c\u1ea3 n\u01b0\u1edbc \u0111\u00e3 x\u1ea3y ra 141 v\u1ee5 l\u1eeba \u0111\u1ea3o, 125 v\u1ee5 l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n li\u00ean quan \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en. \u0110i\u1ec1u \u0111\u00e1ng ch\u00fa \u00fd l\u00e0, c\u00f3 05 v\u1ee5 gi\u1ebft ng\u01b0\u1eddi, 31 v\u1ee5 c\u01b0\u1edbp t\u00e0i s\u1ea3n, 92 v\u1ee5 c\u01b0\u1ee1ng \u0111o\u1ea1t t\u00e0i s\u1ea3n \u0111\u1ec1u c\u00f3 nguy\u00ean nh\u00e2n t\u1eeb t\u00edn d\u1ee5ng \u0111en.<\/td>\n <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

K\u1ebd h\u1edf qu\u1ea3n l\u00fd v\u00e0 ch\u00ednh s\u00e1ch…<\/strong>\u00a0<\/strong><\/p>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n \u0111\u1ea9y ng\u01b0\u1eddi d\u00e2n \u0111\u1ebfn b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d ngo\u00e0i s\u1ef1 nh\u1eadn th\u1ee9c ph\u00e1p lu\u1eadt c\u00f2n h\u1ea1n ch\u1ebf c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u00f2n c\u00f3 nguy\u00ean nh\u00e2n t\u1eeb k\u1ebd h\u1edf qu\u1ea3n l\u00fd, trong \u0111\u00f3 c\u00f3 vi\u1ec7c bu\u00f4ng l\u1ecfng ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ch\u1ee9ng. V\u1edbi nh\u1eefng ki\u1ec3u c\u00f4ng ch\u1ee9ng v\u1ec9a h\u00e8, t\u1ea1i ch\u1ee3 l\u1ea1i do b\u00ean cho vay t\u1ef1 li\u00ean h\u1ec7 \u0111\u00e3 t\u1ea1o kh\u00f4ng \u00edt h\u1ec7 l\u1ee5y. Nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng c\u00f4ng ch\u1ee9ng nh\u01b0ng n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng l\u1ea1i kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1eddi gian, \u0111\u1ecba \u0111i\u1ec3m c\u1ee7a vi\u1ec7c giao nh\u1eadn t\u00e0i s\u1ea3n, giao nh\u1eadn ti\u1ec1n chuy\u1ec3n nh\u01b0\u1ee3ng, n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u0169ng kh\u00f4ng quy \u0111\u1ecbnh sau khi c\u00e1c b\u00ean b\u00e0n giao t\u00e0i s\u1ea3n, nh\u1eadn ti\u1ec1n ph\u1ea3i l\u1eadp v\u1edbi nhau m\u1ed9t bi\u00ean b\u1ea3n x\u00e1c nh\u1eadn c\u00e1c b\u00ean \u0111\u00e3 th\u1ef1c hi\u1ec7n vi\u1ec7c n\u00e0y, \u0111\u1ec3 t\u1eeb \u0111\u00f3 x\u00e1c \u0111\u1ecbnh c\u00e1c b\u00ean giao d\u1ecbch tr\u00ean th\u1ef1c t\u1ebf th\u1ef1c hi\u1ec7n xong giao d\u1ecbch mua b\u00e1n chuy\u1ec3n nh\u01b0\u1ee3ng, chuy\u1ec3n giao quy\u1ec1n s\u1eed d\u1ee5ng nh\u00e0 \u0111\u1ea5t.<\/p>\n

C\u00f9ng v\u1edbi s\u01a1 h\u1edf c\u1ee7a vi\u1ec7c c\u00f4ng ch\u1ee9ng c\u00e1c h\u1ee3p \u0111\u1ed3ng n\u00e0y th\u00ec c\u00f3 c\u1ea3 k\u1ebd h\u1edf c\u1ee7a th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd thay \u0111\u1ed5i ch\u1ee7 s\u1edf h\u1eefu, s\u1eed d\u1ee5ng nh\u00e0 \u1edf, l\u00e0 khi th\u1ef1c hi\u1ec7n vi\u1ec7c sang t\u00ean \u0111\u00e3 kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 v\u00e0o k\u1ebft qu\u1ea3 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng, mua b\u00e1n nh\u00e0 \u0111\u1ea5t n\u00ean \u0111\u00e3 sang t\u00ean, c\u00f4ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu, s\u1eed d\u1ee5ng nh\u00e0 \u0111\u1ea5t cho b\u00ean cho vay khi nh\u1eefng ng\u01b0\u1eddi n\u00e0y ch\u01b0a \u0111\u01b0\u1ee3c b\u00ean vay chuy\u1ec3n giao quy\u1ec1n chi\u1ebfm h\u1eefu, s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n.<\/p>\n

\u0110\u1ec3 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n cho ng\u00e2n h\u00e0ng, b\u00ean th\u1ebf ch\u1ea5p ph\u1ea3i l\u00e0 ch\u1ee7 s\u1edf h\u1eefu, s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, ph\u1ea3i c\u00f3 quy\u1ec1n chi\u1ebfm h\u1eefu, s\u1eed d\u1ee5ng, \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Khi nh\u1eadn \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, theo quy \u0111\u1ecbnh, ph\u00eda ng\u00e2n h\u00e0ng ph\u1ea3i ti\u1ebfn h\u00e0nh x\u00e1c minh, \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n, tr\u1ef1c ti\u1ebfp xem x\u00e9t \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n nh\u01b0ng th\u1ef1c t\u1ebf \u0111\u00e3 x\u1ea3y ra t\u00ecnh tr\u1ea1ng ph\u00eda ng\u00e2n h\u00e0ng, m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n th\u1ef1c thi \u0111\u00e3 kh\u00f4ng xem x\u00e9t th\u1ef1c t\u1ebf ai l\u00e0 ng\u01b0\u1eddi \u0111ang chi\u1ebfm h\u1eefu, s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ho\u1eb7c \u0111\u00e3 b\u1ecf qua vi\u1ec7c x\u00e1c minh, \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n n\u00ean \u0111\u00e3 kh\u00f4ng ph\u00e1t hi\u1ec7n ra ng\u01b0\u1eddi th\u1ebf ch\u1ea5p kh\u00f4ng c\u00f3 quy\u1ec1n s\u1eed d\u1ee5ng, chi\u1ebfm gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

… Hay l\u1ee3i d\u1ee5ng l\u00e1ch lu\u00e2t<\/strong><\/p>\n

Nh\u00ecn nh\u1eadn v\u1ec1 t\u00edn d\u1ee5ng \u0111en, Lu\u1eadt s\u01b0, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, tr\u1ecdng t\u00e0i vi\u00ean VIAC Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, hi\u1ec7n t\u01b0\u1ee3ng ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a t\u00edn d\u1ee5ng \u0111en l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a hai y\u1ebfu t\u1ed1 cho vay b\u1ea5t h\u1ee3p ph\u00e1p \u0111i \u0111\u00f4i v\u1edbi \u00e1p \u0111\u1eb7t m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t cao tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Tuy nhi\u00ean, hi\u1ec7n nay gi\u1eefa c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1eabn c\u00f2n\u00a0 kho\u1ea3ng tr\u1ed1ng, v\u00f4 h\u00ecnh trung \u0111\u00e3 t\u1ea1o nh\u1eefng c\u01a1 h\u1ed9i \u0111\u1ec3 nh\u1eefng k\u1ebb h\u00e1m l\u1ee3i c\u0103n c\u1ee9 v\u00e0o \u0111\u00f3 \u0111\u1ec3 l\u00e1ch m\u1ed9t c\u00e1ch an to\u00e0n.<\/em><\/p>\n

Ch\u1ec9 ra trong ph\u00e1p lu\u1eadt x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 h\u00e0nh vi cho vay tr\u00e1i ph\u00e1p lu\u1eadt trong m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c v\u1ec1 ch\u1ee9ng kho\u00e1n, ng\u00e2n h\u00e0ng v\u00e0 t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 108\/2013\/N\u0110-CP quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m vi ph\u1ea1m h\u00e0nh ch\u00ednh trong m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c ch\u1ee9ng kho\u00e1n v\u00e0 th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 h\u00e0nh vi cho vay c\u1ee7a c\u00e1c c\u00f4ng ty kinh doanh ch\u1ee9ng kho\u00e1n; Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 167\/2013\/N\u0110-CP quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c an ninh, tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i, ph\u00f2ng ch\u1ed1ng t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i trong \u0111\u00f3 c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t v\u1edbi h\u00e0nh vi cho vay t\u1ea1i s\u00f2ng b\u1ea1c, n\u01a1i \u0111\u00e1nh b\u1ea1c. Hay Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2014\/N\u0110-CP ng\u00e0y 17.10.2014 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 v\u00e0 ng\u00e2n h\u00e0ng, trong \u0111\u00f3 ch\u1ec9 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Nh\u01b0 v\u1eady, ngo\u00e0i 3 tr\u01b0\u1eddng h\u1ee3p tr\u00ean, ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a ph\u00e1p nh\u00e2n v\u00e0 c\u00e1c c\u00e1 nh\u00e2n, kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng th\u00ec v\u1eabn l\u00e0 h\u1ee3p ph\u00e1p m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p c\u0169ng nh\u01b0 \u0111\u0103ng k\u00fd kinh doanh ho\u1ea1t \u0111\u1ed9ng vay, \u00f4ng \u0110\u1ee9c l\u1eadp lu\u1eadn.<\/em><\/p>\n

Ngo\u00e0i ra, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u00a0hi\u1ec7n h\u00e0nh quy \u0111\u1ecbnh, n\u1ebfu l\u00e3i su\u1ea5t cho vay v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 th\u00ec g\u1ecdi l\u00e0 \u201ccho vay n\u1eb7ng l\u00e3i\u201d. Trong khi \u0111\u00f3, \u0110i\u1ec1u 163 c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 hi\u1ec7n h\u00e0nh l\u1ea1i quy \u0111\u1ecbnh, 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. V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, theo quy \u0111\u1ecbnh tr\u00ean, n\u1ebfu ng\u01b0\u1eddi n\u00e0o kh\u00f4ng thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p cho vay c\u00f3 \u201ct\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d th\u00ec d\u00f9 c\u00f3 cho vay l\u00e3i su\u1ea5t \u0111\u1ebfn v\u00e0i ngh\u00ecn ph\u1ea7n tr\u0103m th\u00ec c\u0169ng kh\u00f4ng c\u00f3 t\u1ed9i v\u00e0 c\u0169ng kh\u00f4ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh.<\/em><\/p>\n

Trong khi \u0111\u00f3, Lu\u1eadt s\u01b0 Tr\u1ea7n Th\u1ebf Truy\u1ec1n, C\u00f4ng ty Lu\u1eadt H\u1ee3p danh Thi\u00ean Thanh th\u00ec cho r\u1eb1ng, vi\u1ec7c ch\u1ee9ng minh l\u00e3i su\u1ea5t cao g\u1ea5p 10 l\u1ea7n ch\u1ec9 c\u00f3 \u00fd ngh\u0129a l\u01b0\u1ee3ng h\u00f3a ph\u1ea7n l\u00e3i su\u1ea5t nh\u01b0ng c\u00f2n vi\u1ec7c ch\u1ee9ng minh \u201cc\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d s\u1ebd l\u00e0 v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n cho b\u1ea5t k\u1ef3 c\u01a1 quan ti\u1ebfn h\u00e0nh t\u1ed1 t\u1ee5ng n\u00e0o v\u00ec b\u1ea3n th\u00e2n, c\u00e1c giao d\u1ecbch \u0111\u1ec1u \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n d\u01b0\u1edbi d\u1ea1ng th\u1ecfa thu\u1eadn d\u00e2n s\u1ef1 nh\u01b0 \u1ee7y quy\u1ec1n, \u0111\u1eb7t c\u1ecdc, vay t\u00e0i s\u1ea3n l\u1ea1i \u0111\u1ec1u th\u1ec3 hi\u1ec7n gi\u1ea5y tr\u1eafng m\u1ef1c \u0111en r\u1eb1ng kh\u00f4ng b\u1ecb l\u1eeba d\u1ed1i hay c\u01b0\u1ee1ng \u00e9p…<\/p>\n

\u0110\u1ec3 b\u1ea3o v\u1ec7 cho ng\u01b0\u1eddi ngh\u00e8o kh\u00f4ng d\u00ednh v\u00e0o b\u1eaby t\u00edn d\u1ee5ng \u0111en r\u1ea5t c\u1ea7n \u0111\u1ebfn s\u1ef1 tuy\u00ean truy\u1ec1n ph\u00e1p lu\u1eadt c\u1ee7a c\u00e1c c\u01a1 quan truy\u1ec1n th\u00f4ng, s\u1ef1 c\u1edfi m\u1edf v\u00e0 minh b\u1ea1ch c\u00e1c th\u1ee7 t\u1ee5c \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng. Ngo\u00e0i ra, c\u00e1c chuy\u00ean gia ph\u00e1p lu\u1eadt c\u0169ng cho r\u1eb1ng, vi\u1ec7c ho\u00e0n thi\u1ec7n m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd l\u00e0 \u0111i\u1ec1u h\u1ebft s\u1ee9c c\u1ea7n thi\u1ebft \u0111\u1ec3 kh\u00f4ng c\u00f2n c\u01a1 h\u1ed9i cho nh\u1eefng k\u1ebb h\u00e1m l\u1ee3i, l\u00e0m gi\u00e0u m\u1ed9t c\u00e1ch b\u1ea5t h\u1ee3p ph\u00e1p tr\u00ean s\u1ed1 ph\u1eadn c\u1ee7a nh\u1eefng ng\u01b0\u1eddi d\u00e2n ngh\u00e8o.<\/p>\n

H\u00e0 An<\/strong><\/p>\n

————————————<\/p>\n

\u0110\u1ea1i bi\u1ec3u Nh\u00e2n d\u00e2n (Ph\u00e1p lu\u1eadt) 08-9-2015:<\/em><\/strong><\/p>\n

http:\/\/www.daibieunhandan.vn\/default.aspx?tabid=81&NewsId=357844<\/em><\/p>\n

(476\/1.749)","protected":false},"excerpt":{"rendered":"

(\u0110BND) – Nh\u1eefng kh\u00f3 kh\u0103n kinh t\u1ebf v\u00e0 s\u1ef1 k\u00e9m hi\u1ec3u bi\u1ebft ph\u00e1p lu\u1eadt \u0111\u00e3 \u0111\u1ea9y ng\u01b0\u1eddi d\u00e2n v\u00e0o v\u00f2ng xo\u00e1y c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d. R\u1ed3i m\u1ed9t ng\u00e0y h\u1ecd tr\u1edf n\u00ean tr\u1eafng tay khi kh\u00f4ng c\u00f2n nh\u00e0, kh\u00f4ng c\u00f2n \u0111\u1ea5t v\u00ec nh\u1eefng th\u1ee7 \u0111o\u1ea1n cho vay. \u0110i\u1ec1u \u0111\u00e1ng n\u00f3i l\u00e0, m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n […]<\/p>\n","protected":false},"author":3,"featured_media":29731,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n758. M\u1ea5t nh\u00e0, m\u1ea5t \u0111\u1ea5t t\u1eeb b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d - 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\/tieng-viet-758-mat-nha-mat-dat-tu-bay-tin-dung-den\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]758. M\u1ea5t nh\u00e0, m\u1ea5t \u0111\u1ea5t t\u1eeb b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110BND) – Nh\u1eefng kh\u00f3 kh\u0103n kinh t\u1ebf v\u00e0 s\u1ef1 k\u00e9m hi\u1ec3u bi\u1ebft ph\u00e1p lu\u1eadt \u0111\u00e3 \u0111\u1ea9y ng\u01b0\u1eddi d\u00e2n v\u00e0o v\u00f2ng xo\u00e1y c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d. R\u1ed3i m\u1ed9t ng\u00e0y h\u1ecd tr\u1edf n\u00ean tr\u1eafng tay khi kh\u00f4ng c\u00f2n nh\u00e0, kh\u00f4ng c\u00f2n \u0111\u1ea5t v\u00ec nh\u1eefng th\u1ee7 \u0111o\u1ea1n cho vay. \u0110i\u1ec1u \u0111\u00e1ng n\u00f3i l\u00e0, m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/tieng-viet-758-mat-nha-mat-dat-tu-bay-tin-dung-den\/\" \/>\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=\"2015-09-08T06:53:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-24T06:55:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/758.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"438\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\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=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-758-mat-nha-mat-dat-tu-bay-tin-dung-den\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-758-mat-nha-mat-dat-tu-bay-tin-dung-den\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"758. 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