{"id":29790,"date":"2015-09-10T15:06:11","date_gmt":"2015-09-10T08:06:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29790"},"modified":"2022-06-24T15:07:28","modified_gmt":"2022-06-24T08:07:28","slug":"769-nhieu-nguoi-mat-nha-vi-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/769-nhieu-nguoi-mat-nha-vi-tin-dung-den\/","title":{"rendered":"769. Nhi\u1ec1u ng\u01b0\u1eddi m\u1ea5t nh\u00e0 v\u00ec \u201ct\u00edn d\u1ee5ng \u0111en\u201d"},"content":{"rendered":"(PL&XH) – C\u1ea7n g\u1ea5p v\u1ed1n l\u00e0m \u0103n, b\u00e0 Th\u1ee7y \u1edf H\u00e0 N\u1ed9i ch\u1ecdn vay v\u1ed1n c\u1ee7a Cty theo h\u00ecnh th\u1ee9c k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t nh\u01b0ng kh\u00f4ng giao ti\u1ec1n v\u00e0 giao nh\u00e0. K\u1ebft qu\u1ea3 l\u00e0 d\u00f9 gi\u1ea5y t\u1edd \u201ckh\u1ed1ng\u201d nh\u01b0ng b\u00e0 Th\u1ee7y l\u1ea1i b\u1ecb ng\u00e2n h\u00e0ng h\u1ecfi th\u0103m v\u00ec c\u0103n nh\u00e0 b\u00e0 \u0111ang \u1edf \u0111ang \u0111\u01b0\u1ee3c mang \u0111i th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n. B\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t trong r\u1ea5t nhi\u1ec1u n\u1ea1n nh\u00e2n c\u1ee7a hi\u1ec7n t\u01b0\u1ee3ng n\u00e0y\u2026<\/strong><\/p>\n

Thi\u1ec7t h\u1ea1i h\u00e0ng ngh\u00ecn t\u1ef7 do \u201ct\u00edn d\u1ee5ng \u0111en\u201d<\/strong><\/p>\n

B\u00ean l\u1ec1 H\u1ed9i th\u1ea3o Gi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d do Trung t\u00e2m nghi\u00ean c\u1ee9u truy\u1ec1n th\u00f4ng ph\u00e1t tri\u1ec3n t\u1ed5 ch\u1ee9c, b\u00e0 Th\u1ee7y chia s\u1ebb: T\u00f4i v\u1ed1n kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi thi\u1ebfu hi\u1ec3u bi\u1ebft. Tr\u01b0\u1edbc khi \u0111i vay c\u0169ng \u0111\u00e3 t\u00ecm hi\u1ec3u r\u1ea5t k\u1ef9, th\u1ea5y Cty c\u00f3 treo bi\u1ec3n \u0111\u00e0ng ho\u00e0ng, gi\u1ea5y t\u1edd, t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n ch\u1ee9ng nh\u1eadn n\u00ean tin t\u01b0\u1edfng. Sau khi l\u00e0m h\u1ee3p \u0111\u1ed3ng c\u00f4ng ch\u1ee9ng b\u00e1n nh\u00e0 \u0111\u1ec3 vay 500 tri\u1ec7u \u0111\u1ed3ng (h\u1ee3p \u0111\u1ed3ng n\u00e0y \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn ch\u1ec9 l\u00e0 h\u00ecnh th\u1ee9c l\u00e0m tin ch\u1ee9 b\u00ean Cty kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e1n, th\u1ebf ch\u1ea5p nh\u00e0 c\u1ee7a t\u00f4i), t\u00f4i \u0111\u00e3 \u0111\u01b0\u1ee3c nh\u1eadn s\u1ed1 v\u1ed1n r\u1ea5t nh\u1ecf gi\u1ecdt. V\u00f2ng v\u00e8o qua nhi\u1ec1u l\u1ea7n t\u00f4i nh\u1eadn \u0111\u01b0\u1ee3c t\u1ed5ng s\u1ed1 230 tri\u1ec7u \u0111\u1ed3ng. \u0110\u1ebfn khi th\u1ea5y Cty c\u00f3 nhi\u1ec1u d\u1ea5u hi\u1ec7u kh\u00f4ng minh b\u1ea1ch, t\u00f4i t\u00ecm t\u1edbi \u0111\u1ec3 mong tr\u1ea3 l\u1ea1i ti\u1ec1n v\u00e0 nh\u1eadn l\u1ea1i gi\u1ea5y t\u1edd th\u00ec kh\u00f4ng g\u1eb7p ai, Cty tr\u1ed1ng tr\u01a1n, t\u1ea5m bi\u1ec3n c\u0169ng kh\u00f4ng c\u00f2n\u2026<\/p>\n

Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 b\u00e0 Th\u1ee7y kh\u00f4ng ph\u1ea3i \u00edt m\u00e0 c\u00f3 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi c\u0169ng tr\u1edf th\u00e0nh n\u1ea1n nh\u00e2n c\u1ee7a qu\u1ef9 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Th\u01b0\u1ee3ng t\u00e1 Tr\u1ea7n Th\u1ecb Th\u00fay, T\u1ed5ng c\u1ee5c C\u1ea3nh s\u00e1t, B\u1ed9 C\u00f4ng an cho bi\u1ebft: T\u1eeb n\u0103m 2010-2014, c\u1ea3 n\u01b0\u1edbc x\u1ea3y ra h\u01a1n 6.300 v\u1ee5 vi\u1ec7c v\u1ee1 n\u1ee3 l\u1edbn, v\u1edbi t\u1ed5ng c\u00e1c thi\u1ec7t h\u1ea1i l\u00ean t\u1edbi h\u00e0ng ngh\u00ecn t\u1ec9 \u0111\u1ed3ng, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn nhi\u1ec1u c\u00e1 nh\u00e2n, gia \u0111\u00ecnh, t\u1ed5 ch\u1ee9c\u2026 H\u1ec7 l\u1ee5y t\u1eeb qu\u1ef9 t\u00edn d\u1ee5ng \u0111en \u0111\u00e3 d\u1eabn \u0111\u1ebfn c\u00e1c h\u00e0nh vi vi ph\u1ea1m kh\u00e1c nh\u01b0 b\u1eaft gi\u1eef ng\u01b0\u1eddi tr\u00e1i ph\u00e1p lu\u1eadt, h\u1ee7y ho\u1ea1i t\u00e0i s\u1ea3n, g\u00e2y r\u1ed1i tr\u1eadt t\u1ef1 c\u00f4ng c\u1ed9ng, t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i, vi ph\u1ea1m v\u1ec1 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n\u2026<\/p>\n

L\u1ef1c l\u01b0\u1ee3ng c\u1ea3nh s\u00e1t \u0111\u00e3 \u0111i\u1ec1u tra, l\u00e0m r\u00f5 v\u00e0 kh\u1edfi t\u1ed1 5.839 v\u1ee5 v\u1edbi 10.885 b\u1ecb can li\u00ean quan \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d. \u00a0K\u1ebft th\u00fac \u0111i\u1ec1u tra h\u01a1n 5.500 v\u1ee5, h\u01a1n 9.700 b\u1ecb can; \u0111\u00e3 ph\u00e1t hi\u1ec7n, b\u1eaft gi\u1eef, ph\u1ed1i h\u1ee3p \u0111i\u1ec1u tra, x\u1eed l\u00fd nhi\u1ec1u v\u1ee5 vi\u1ec7c vi ph\u1ea1m c\u00f3 t\u00ednh ch\u1ea5t \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng\u2026 Tuy nhi\u00ean, qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tra, x\u1eed l\u00fd t\u1ed9i ph\u1ea1m, vi ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d, quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f2n v\u01b0\u1edbng m\u1eafc, ch\u1ebf t\u00e0i x\u1eed l\u00fd h\u00e0nh vi vi ph\u1ea1m ch\u01b0a r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3, g\u00e2y kh\u00f3 kh\u0103n cho c\u01a1 quan ch\u1ee9c n\u0103ng; nhi\u1ec1u h\u00e0nh vi vi ph\u1ea1m nghi\u00eam tr\u1ecdng x\u1ea3y ra nh\u01b0ng kh\u00f4ng \u0111\u1ee7 c\u0103n c\u1ee9 \u0111\u1ec3 x\u1eed l\u00fd h\u00ecnh s\u1ef1; vi\u1ec7c x\u1eed l\u00fd ch\u01b0a nghi\u00eam do ch\u1ebf t\u00e0i c\u00f2n nh\u1eb9 n\u00ean kh\u00f4ng \u0111\u1ee7 s\u1ee9c r\u0103n \u0111e, ng\u0103n ch\u1eb7n c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 h\u00e0nh vi vi ph\u1ea1m. Hi\u1ec7n nay ch\u01b0a c\u00f3 v\u0103n b\u1ea3n ph\u00e1p l\u00fd n\u00e0o quy \u0111\u1ecbnh, qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c c\u0169ng nh\u01b0 v\u1ec1 l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a n\u00ean l\u1ef1c l\u01b0\u1ee3ng ch\u1ee9c n\u0103ng ch\u01b0a c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba, ng\u0103n ch\u1eb7n v\u00e0 x\u1eed l\u00fd h\u00e0nh vi vi ph\u1ea1m, Th\u01b0\u1ee3ng t\u00e1 Th\u00fay nh\u1ea5n m\u1ea1nh.<\/p>\n

\"\"<\/p>\n

Th\u01b0\u1ee3ng t\u00e1 Tr\u1ea7n Th\u1ecb Th\u00fay: C\u1ea7n b\u1ed5 sung ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t v\u1edbi h\u00e0nh vi li\u00ean quan \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u00a0\u00a0 \u00a0\u00a0 \u00a0 \u1ea2nh:V\u00e2n H\u00e0<\/p>\n

C\u00f2n thi\u1ebfu nhi\u1ec1u ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t<\/strong><\/p>\n

Chung quan \u0111i\u1ec3m n\u00e0y, LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c Cty Lu\u1eadt ANVI \u0111\u00e3 ph\u00e2n t\u00edch s\u00e2u v\u1ec1 nh\u1eefng v\u01b0\u1edbng m\u1eafc trong quy \u0111\u1ecbnh. C\u1ee5 th\u1ec3, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c cho vay tr\u00e1i ph\u00e9p m\u00e0 ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 t\u1ed9i \u201cKinh doanh tr\u00e1i ph\u00e9p\u201d. Ho\u1ea1t \u0111\u1ed9ng cho vay tr\u00e1i ph\u00e9p c\u0169ng c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t theo t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p. Khi \u0111\u00f3, h\u00e0nh vi cho vay tr\u00e1i ph\u00e9p c\u00f3 th\u1ec3 ph\u1ea1m t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p n\u1ebfu kh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd kinh doanh ho\u1eb7c kh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd kinh doanh cho vay, hay kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u2026 Vi\u1ec7c cho vay c\u1ee7a c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p v\u00e0 h\u1ee3p ph\u00e1p m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 gi\u1ea5y ph\u00e9p ho\u1eb7c \u0111\u0103ng k\u00fd kinh doanh n\u00ean nh\u00ecn chung kh\u00f4ng th\u1ec3 x\u1eed ph\u1ea1t \u0111\u01b0\u1ee3c h\u00e0nh vi cho vay th\u00f4ng th\u01b0\u1eddng v\u1ec1 t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p.<\/em><\/p>\n

Theo B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2009 quy \u0111\u1ecbnh t\u1ed9i ph\u1ea1m \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay: \u201cNg\u01b0\u1eddi n\u00e0o cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh t\u1eeb 10 l\u1ea7n tr\u1edf l\u00ean c\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t th\u00ec b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 1-10 l\u1ea7n s\u1ed1 ti\u1ec1n l\u00e3i ho\u1eb7c ph\u1ea1t c\u1ea3i t\u1ea1o kh\u00f4ng giam gi\u1eef \u0111\u1ebfn 1 n\u0103m\u2026\u201d. Nh\u01b0 v\u1eady, n\u1ebfu ng\u01b0\u1eddi n\u00e0o kh\u00f4ng thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p \u201cc\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d th\u00ec d\u00f9 vay l\u00e3i su\u1ea5t \u0111\u1ebfn v\u00e0i ngh\u00ecn ph\u1ea7n tr\u0103m c\u0169ng kh\u00f4ng c\u00f3 t\u1ed9i v\u00e0 c\u0169ng ch\u1eb3ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh. V\u1edbi h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt hi\u1ec7n nay ch\u1ec9 c\u00f3 tr\u01b0\u1eddng h\u1ee3p ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng th\u00ec m\u1edbi \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. C\u00f2n sai tr\u00e1i trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c kh\u00f3 g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u00e0 c\u0169ng kh\u00f4ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh.<\/em><\/p>\n

Th\u01b0\u1ee3ng t\u00e1 Tr\u1ea7n Th\u1ecb Th\u00fay ki\u1ebfn ngh\u1ecb Nh\u00e0 n\u01b0\u1edbc, Ch\u00ednh ph\u1ee7 ch\u1ec9 \u0111\u1ea1o c\u01a1 quan ch\u1ee9c n\u0103ng kh\u1ea9n tr\u01b0\u01a1ng r\u00e0 so\u00e1t, nghi\u00ean c\u1ee9u, ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1, h\u00e0nh ch\u00ednh, d\u00e2n s\u1ef1 v\u1ec1 x\u1eed l\u00fd h\u00e0nh vi ph\u1ea1m t\u1ed9i, vi ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng. B\u1ed5 sung ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t v\u1edbi h\u00e0nh vi vi ph\u1ea1m li\u00ean quan \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d, cho vay n\u1eb7ng l\u00e3i \u0111\u1ec3 c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd khi x\u1eed l\u00fd trong th\u1ef1c t\u1ebf. T\u0103ng c\u01b0\u1eddng qu\u1ea3n l\u00fd, c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng cho vay, huy \u0111\u1ed9ng v\u1ed1n t\u1ef1 ph\u00e1t; \u0111\u1ea9y m\u1ea1nh truy\u00ean truy\u1ec1n gi\u00fap t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p v\u00e0 nh\u00e2n d\u00e2n n\u00e2ng cao hi\u1ec3u bi\u1ebft ph\u00e1p lu\u1eadt, nh\u1eadn bi\u1ebft v\u00e0 c\u00f3 \u00fd th\u1ee9c c\u1ea3nh gi\u00e1c cao tr\u01b0\u1edbc nh\u1eefng ph\u01b0\u01a1ng th\u1ee9c, th\u1ee7 \u0111o\u1ea1n c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng\u2026<\/p>\n\n\n\n
C\u00e1c h\u00ecnh th\u1ee9c m\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d th\u01b0\u1eddng \u00e1p d\u1ee5ng khi cho vay v\u1ed1n th\u01b0\u1eddng l\u00e0: Kh\u00f4ng c\u1ea7n h\u1ee3p \u0111\u1ed3ng ch\u1ec9 c\u1ea7n k\u00fd v\u00e0o s\u1ed5; kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p; kh\u00f4ng ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh\u2026 C\u00e1c lo\u1ea1i 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 v\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng cho vay th\u1ea5p h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi gi\u00e1 th\u1ef1c t\u1ebf c\u1ee7a t\u00e0i s\u1ea3n coi nh\u01b0 \u0111\u1ec3 \u201cl\u00e0m tin\u201d, tr\u00ean th\u1ef1c t\u1ebf kh\u00f4ng c\u00f3 vi\u1ec7c giao nh\u1eadn ti\u1ec1n v\u00e0 giao nh\u1eadn nh\u00e0, \u0111\u1ea5t mua b\u00e1n.
\nH\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n ho\u1eb7c gi\u1ea5y \u1ee7y quy\u1ec1n cho b\u00ean vay to\u00e0n quy\u1ec1n quy\u1ebft \u0111\u1ecbnh t\u00e0i s\u1ea3n nh\u00e0 ho\u1eb7c \u0111\u1ea5t c\u1ee7a m\u00ecnh; th\u1ee7 t\u1ee5c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c b\u00ean cho vay c\u00f3 s\u1eb5n \u0111\u01a1n v\u1ecb cung c\u1ea5p d\u1ecbch v\u1ee5-th\u1eadm ch\u00ed vi\u1ec7c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n ngay \u1edf qu\u00e1n caf\u00e9, t\u1ea1i nh\u00e0, t\u1ea1i ch\u1ee3. Hai b\u00ean th\u1ed1ng nh\u1ea5t khi n\u00e0o b\u00ean vay tr\u1ea3 ti\u1ec1n vay cho b\u00ean t\u00edn d\u1ee5ng th\u00ec s\u1ebd h\u1ee7y h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf b\u00ean cho vay \u0111\u00e3 l\u00e0m th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd thay \u0111\u1ed5i ng\u01b0\u1eddi s\u1eed d\u1ee5ng \u0111\u1ea5t, s\u1eed h\u1eefu nh\u00e0 r\u1ed3i b\u00e1n 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.
\n\u201c\u0110\u1ec3 h\u1ea1n ch\u1ebf qu\u1ef9 \u201ct\u00edn d\u1ee5ng \u0111en\u201d ph\u00e1t tri\u1ec3n c\u1ea7n th\u1ef1c hi\u1ec7n nhi\u1ec1u gi\u1ea3i ph\u00e1p, c\u00e1c c\u01a1 quan c\u1ee7a Ch\u00ednh ph\u1ee7 c\u1ea7n c\u00f3 nh\u1eefng quy\u1ebft s\u00e1ch ch\u1ee7 tr\u01b0\u01a1ng c\u1ee5 th\u1ec3 trong \u0111\u00f3 n\u00e2ng cao kh\u1ea3 n\u0103ng qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, gi\u00fap ng\u01b0\u1eddi d\u00e2n c\u00f3 nh\u1eefng 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\u201d, LS. Nguy\u1ec5n Th\u1ebf Truy\u1ec1n, Cty Lu\u1eadt H\u1ee3p danh Thi\u00ean Thanh c\u1ea3nh b\u00e1o.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u00e2n H\u00e0<\/strong><\/p>\n

———————————<\/p>\n

Ph\u00e1p lu\u1eadt & X\u00e3 h\u1ed9i (X\u00e3 h\u1ed9i) 10-9-23015:<\/em><\/strong><\/p>\n

http:\/\/phapluatxahoi.vn\/xa-hoi\/nhieu-nan-nhan-mat-nha-vi-tin-dung-den-97879<\/em><\/p>\n

(313\/1.407)","protected":false},"excerpt":{"rendered":"

(PL&XH) – C\u1ea7n g\u1ea5p v\u1ed1n l\u00e0m \u0103n, b\u00e0 Th\u1ee7y \u1edf H\u00e0 N\u1ed9i ch\u1ecdn vay v\u1ed1n c\u1ee7a Cty theo h\u00ecnh th\u1ee9c k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t nh\u01b0ng kh\u00f4ng giao ti\u1ec1n v\u00e0 giao nh\u00e0. K\u1ebft qu\u1ea3 l\u00e0 d\u00f9 gi\u1ea5y t\u1edd \u201ckh\u1ed1ng\u201d nh\u01b0ng b\u00e0 Th\u1ee7y l\u1ea1i b\u1ecb ng\u00e2n h\u00e0ng h\u1ecfi th\u0103m v\u00ec […]<\/p>\n","protected":false},"author":3,"featured_media":29791,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n769. 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