{"id":29793,"date":"2015-09-11T15:07:35","date_gmt":"2015-09-11T08:07:35","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29793"},"modified":"2022-06-24T15:09:16","modified_gmt":"2022-06-24T08:09:16","slug":"770-di-tim-giai-phap-loai-tru-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/770-di-tim-giai-phap-loai-tru-tin-dung-den\/","title":{"rendered":"770. \u0110i t\u00ecm gi\u1ea3i ph\u00e1p lo\u1ea1i tr\u1eeb \u201ct\u00edn d\u1ee5ng \u0111en\u201d"},"content":{"rendered":"(TBNH) – H\u1ed9i tr\u01b0\u1eddng tr\u1ee5 s\u1edf Li\u00ean hi\u1ec7p c\u00e1c h\u1ed9i khoa h\u1ecdc v\u00e0 k\u1ef9 thu\u1eadt Vi\u1ec7t Nam (VUSTA), ng\u00e0y 7\/9\/2015, kh\u00f4ng c\u00f2n ch\u1ed7 tr\u1ed1ng d\u00f9 Ban t\u1ed5 ch\u1ee9c \u0111\u00e3 ph\u1ea3i k\u00ea th\u00eam h\u00e0ng ch\u1ee5c chi\u1ebfc gh\u1ebf. T\u1ea1i \u0111\u00e2y, di\u1ec5n ra H\u1ed9i th\u1ea3o \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby t\u00edn d\u1ee5ng \u0111en\u201d do Trung t\u00e2m Truy\u1ec1n th\u00f4ng Ph\u00e1t tri\u1ec3n (RED) thu\u1ed9c VUSTA t\u1ed5 ch\u1ee9c.<\/strong><\/p>\n

Th\u01b0\u01a1ng nh\u01b0ng\u00a0c\u0169ng\u2026 gi\u1eadn<\/strong><\/p>\n

Nhi\u1ec1u n\u1ea1n nh\u00e2n c\u1ee7a ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d mu\u1ed1n \u0111\u01b0\u1ee3c ng\u1ed3i nghe, nh\u01b0ng ch\u1ec9 m\u1ed9t ng\u01b0\u1eddi trong s\u1ed1 h\u1ecd \u0111\u01b0\u1ee3c k\u1ec3 c\u00e2u chuy\u1ec7n c\u1ee5 th\u1ec3 c\u1ee7a m\u00ecnh tr\u01b0\u1edbc \u0111\u1ea1i di\u1ec7n c\u00e1c c\u01a1 quan b\u1ea3o v\u1ec7 ph\u00e1p lu\u1eadt, c\u01a1 quan thi h\u00e0nh \u00e1n, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng v\u00e0 m\u1ed9t s\u1ed1 lu\u1eadt s\u01b0\u2026<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
B\u00e0 Tr\u1ea7n Th\u1ecb H\u1ed3ng H\u1ea1nh (th\u1ee9 ba t\u1eeb ph\u1ea3i sang), T\u1ed5ng th\u01b0 k\u00fd VNBA ph\u00e1t bi\u1ec3u t\u1ea1i H\u1ed9i th\u1ea3o<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00d4ng V\u0169 Anh Tu\u1ea5n, \u0111\u1ea1i di\u1ec7n cho h\u01a1n m\u1ed9t ch\u1ee5c n\u1ea1n nh\u00e2n ph\u1ea3i \u0111\u1ee9ng ngo\u00e0i h\u00e0nh lang, k\u1ec3: Do thi\u1ebfu ti\u1ec1n kinh doanh, n\u0103m 2013, c\u1ea3 ch\u1ee5c h\u1ed9 gia \u0111\u00ecnh trong \u0111\u00f3 c\u00f3 gia \u0111\u00ecnh t\u00f4i t\u00ecm \u0111\u1ebfn CTCP C\u00e1t Nam Phong, c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i t\u00f2a nh\u00e0 M3 v\u00e0 M4 \u0111\u01b0\u1eddng Nguy\u1ec5n Ch\u00ed Thanh (H\u00e0 N\u1ed9i) \u0111\u1ec3 vay ti\u1ec1n.<\/p>\n

Ch\u00fang t\u00f4i \u0111\u00e3 ph\u1ea3i giao s\u1ed5 \u0111\u1ecf v\u00e0 k\u00fd h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng nh\u00e0 \u0111\u1ea5t v\u1edbi b\u00e0 Nguy\u1ec5n Th\u1ecb H\u1ea3i Y\u1ebfn l\u00e0 Ch\u1ee7 t\u1ecbch H\u0110QT v\u00e0 anh Ho\u00e0ng Ph\u00fac C\u01b0\u1eddng l\u00e0 Ph\u00f3 gi\u00e1m \u0111\u1ed1c c\u00f4ng ty v\u00e0 \u0111\u1ed5i l\u1ea1i, \u0111\u01b0\u1ee3c h\u1ecd cho vay t\u1eeb 300 \u2013 500 tri\u1ec7u \u0111\u1ed3ng, l\u00e3i t\u00ednh theo ng\u00e0y.<\/p>\n

Khi \u0111\u00f3, ch\u1ecb Y\u1ebfn n\u00f3i v\u1edbi ch\u00fang t\u00f4i l\u00e0 vi\u1ec7c k\u00fd gi\u1ea5y t\u1edd ch\u1ec9 l\u00e0 \u0111\u1ec3 \u201cb\u1ea3o \u0111\u1ea3m ch\u00fang t\u00f4i c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 l\u00e3i v\u00e0 g\u1ed1c\u201d v\u00e0 ch\u00fang t\u00f4i c\u0169ng tin l\u00e0 nh\u01b0 v\u1eady. \u0110\u1ed9t nhi\u00ean, n\u0103m 2014, ch\u00fang t\u00f4i \u0111\u01b0\u1ee3c ti\u1ebfp m\u1ed9t s\u1ed1 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u0111\u1ebfn xem x\u00e9t \u0111\u1ec3 thu h\u1ed3i nh\u00e0, h\u1ecfi chuy\u1ec7n th\u00ec m\u1edbi \u0111\u01b0\u1ee3c bi\u1ebft l\u00e0 nh\u00e0 \u0111\u1ea5t c\u1ee7a ch\u00fang t\u00f4i \u0111\u00e3 b\u1ecb b\u00e0 Nguy\u1ec5n Th\u1ecb H\u1ea3i Y\u1ebfn sang t\u00ean v\u00e0 \u0111em th\u1ebf ch\u1ea5p cho ng\u00e2n h\u00e0ng \u0111\u1ec3 vay ti\u1ec1n.<\/p>\n

\u201cB\u00e0 Y\u1ebfn v\u00e0 ng\u01b0\u1eddi c\u1ee7a CTCP C\u00e1t Nam Phong \u0111\u00e3 l\u1eeba ch\u00fang t\u00f4i\u201d \u2013 \u00f4ng Tu\u1ea5n cay \u0111\u1eafng th\u1eeba nh\u1eadn sai s\u00f3t v\u00ec thi\u1ebfu c\u1ea3nh gi\u00e1c, c\u1ea3 tin d\u1ec5 d\u00e3i trong vi\u1ec7c k\u00fd c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd khi vay ti\u1ec1n tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

S\u1ed1 li\u1ec7u c\u1ee7a \u0111\u1ea1i di\u1ec7n T\u1ed5ng c\u1ee5c c\u1ea3nh s\u00e1t (B\u1ed9 C\u00f4ng an) t\u1ea1i H\u1ed9i th\u1ea3o cho bi\u1ebft: T\u1eeb n\u0103m 2010 \u2013 2014, \u0111\u00e3 kh\u1edfi t\u1ed1 5.839 v\u1ee5, 10.885 b\u1ecb can li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Trong \u0111\u00f3 c\u00f3: 41 v\u1ee5 gi\u1ebft ng\u01b0\u1eddi, 301 v\u1ee5 c\u1ed1 \u00fd g\u00e2y th\u01b0\u01a1ng t\u00edch, 527 v\u1ee5 c\u01b0\u1edbp t\u00e0i s\u1ea3n, 961 v\u1ee5 c\u01b0\u1ee1ng \u0111o\u1ea1t t\u00e0i s\u1ea3n, 1.475 v\u1ee5 l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u2026 B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u00e3 b\u1eaft gi\u1eef x\u1eed l\u00fd 56 b\u0103ng nh\u00f3m g\u1ed3m 287 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00f2i n\u1ee3 thu\u00ea, c\u1ed1 \u00fd g\u00e2y th\u01b0\u01a1ng t\u00edch, b\u1eaft gi\u1eef ng\u01b0\u1eddi tr\u00e1i ph\u00e1p lu\u1eadt.<\/p>\n

Tuy nhi\u00ean t\u1ea1i H\u1ed9i th\u1ea3o, trung t\u00e1 L\u00ea Kh\u1eafc S\u01a1n \u0111\u1ebfn t\u1eeb Ph\u00f2ng c\u1ea3nh s\u00e1t h\u00ecnh s\u1ef1 C\u00f4ng an H\u00e0 N\u1ed9i b\u00e0y t\u1ecf s\u1ef1 b\u1ee9c x\u00fac: Nhi\u1ec1u v\u1ee5 ch\u00fang t\u00f4i c\u1ea3m nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea3n ch\u1ea5t v\u1ea5n \u0111\u1ec1 l\u00e0 li\u00ean quan \u0111\u1ebfn cho vay n\u1eb7ng l\u00e3i, mu\u1ed1n b\u00eanh v\u1ef1c n\u1ea1n nh\u00e2n. Nh\u01b0ng c\u0103n c\u1ee9 v\u00e0o h\u1ed3 s\u01a1 v\u00e0 ch\u1ee9ng c\u1ee9 m\u00e0 n\u1ea1n nh\u00e2n cung c\u1ea5p th\u00ec kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0a ra truy t\u1ed1 theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt H\u00ecnh s\u1ef1.<\/p>\n

Trong 41 v\u1ee5 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u1eeba qua, t\u1ed9i danh kh\u1edfi t\u1ed1 l\u1ea1i l\u00e0 \u201cChi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n tr\u00e1i ph\u00e9p\u201d, \u201cB\u1eaft gi\u1eef ng\u01b0\u1eddi tr\u00e1i ph\u00e1p lu\u1eadt\u201d, \u201cG\u00e2y r\u1ed1i tr\u1eadt t\u01b0 an ninh c\u00f4ng c\u1ed9ng\u201d\u2026<\/p>\n

\u00dd ki\u1ebfn c\u1ee7a c\u00e1c lu\u1eadt s\u01b0 t\u1eeb c\u00e1c c\u00f4ng ty lu\u1eadt nh\u01b0: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (ANVI), Nguy\u1ec5n Th\u1ebf Truy\u1ec1n (Thi\u00ean Thanh), Nguy\u1ec5n Anh Tu\u1ea5n (Tr\u01b0\u1eddng L\u1ed9c), Nguy\u1ec5n Ho\u00e0ng Nam (Su\u1ed1i Hoa) \u0111\u1ec1u c\u00f3 chung nh\u1eadn \u0111\u1ecbnh r\u1eb1ng, ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111ang ng\u00e0y c\u00e0ng di\u1ec5n ra ph\u1ed5 bi\u1ebfn, g\u00e2y t\u00e1c \u0111\u1ed9ng x\u1ea5u \u0111\u1ebfn tr\u1eadt t\u1ef1 an ninh x\u00e3 h\u1ed9i, xu\u1ea5t hi\u1ec7n c\u00e1c \u201cb\u0103ng; nh\u00f3m\u201d chuy\u00ean \u0111\u00f2i n\u1ee3 b\u1eb1ng bi\u1ec7n ph\u00e1p \u0111e d\u1ecda, kh\u1ee7ng b\u1ed1 tinh th\u1ea7n gia \u0111\u00ecnh c\u00e1c n\u1ea1n nh\u00e2n, l\u00e0m nhi\u1ec1u h\u1ed9 d\u00e2n \u0111\u1ee9ng tr\u01b0\u1edbc nguy c\u01a1 m\u1ea5t c\u0103n nh\u00e0 \u0111ang \u1edf, t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c NHTM b\u1ecb th\u1ea5t tho\u00e1t do kh\u00f3 thu h\u1ed3i d\u00f9 c\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 c\u00f3 quy\u1ebft \u0111\u1ecbnh c\u1ee7a t\u00f2a \u00e1n.<\/p>\n

V\u00e0, m\u1eb7c d\u00f9 bi\u1ebft v\u1ee5 vi\u1ec7c tranh ch\u1ea5p l\u00e0 ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d nh\u01b0ng r\u1ea5t kh\u00f3 \u0111\u1ec3 \u0111\u01b0a v\u00e0o truy t\u1ed1 hay \u0111\u1ec1 ngh\u1ecb kh\u1edfi t\u1ed1 t\u1ed9i ph\u1ea1m trong l\u0129nh v\u1ef1c n\u00e0y theo \u0110i\u1ec1u 163 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 \u201cT\u1ed9i cho vay n\u1eb7ng l\u00e3i\u201d, b\u1edfi theo Kho\u1ea3n 1 c\u1ee7a \u0110i\u1ec1u n\u00e0y th\u00ec vi\u1ec7c c\u00f3 c\u0103n c\u1ee9 ch\u1ee9ng minh y\u1ebfu t\u1ed1 \u201cc\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d theo quy \u0111\u1ecbnh l\u00e0 r\u1ea5t kh\u00f3 kh\u0103n.<\/p>\n

Ngay c\u1ea3 c\u0103n c\u1ee9 v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t \u201ct\u1eeb 10 l\u1ea7n tr\u1edf l\u00ean so v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh\u201d c\u0169ng kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c v\u00ec ph\u1ea7n l\u1edbn trong c\u00e1c th\u1ecfa thu\u1eadn khi cho vay th\u00ec ch\u1ee7 n\u1ee3 lu\u00f4n thuy\u1ebft ph\u1ee5c \u0111\u01b0\u1ee3c ng\u01b0\u1eddi vay ch\u1ea5p nh\u1eadn\u2026 kh\u00f4ng ghi v\u00e0o gi\u1ea5y x\u00e1c nh\u1eadn n\u1ee3?<\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c cho bi\u1ebft, theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 v\u00e0 Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2014, th\u00ec \u201cgiao d\u1ecbch vay v\u00e0 cho vay gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n v\u1edbi nhau l\u00e0 h\u1ee3p ph\u00e1p v\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd kinh doanh\u201d. Th\u1eadm ch\u00ed ti\u1ec1n l\u00e3i cho vay c\u00f2n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec3m b, Kho\u1ea3n 8, \u0110i\u1ec1u 5 v\u1ec1 \u201c\u0110\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ch\u1ecbu thu\u1ebf\u201d.<\/em><\/p>\n

V\u1edbi c\u0103n c\u1ee9 l\u00e3i su\u1ea5t \u0111\u1ec3 ph\u00e1p lu\u1eadt can thi\u1ec7p, c\u00e1c \u00fd ki\u1ebfn tham d\u1ef1 H\u1ed9i th\u1ea3o \u0111\u1ec1u cho r\u1eb1ng, kh\u00f4ng n\u00ean quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t trong giao d\u1ecbch vay \u2013 cho vay ngo\u00e0i x\u00e3 h\u1ed9i d\u00e2n s\u1ef1, b\u1edfi c\u1ea7n t\u00f4n tr\u1ecdng quy\u1ec1n \u201cth\u1ecfa thu\u1eadn\u201d c\u1ee7a c\u00e1c ch\u1ee7 th\u1ec3 tham gia: \u201cTrong th\u1ef1c ti\u1ec5n, m\u1ee9c cho vay v\u01b0\u1ee3t qu\u00e1 13,5%\/n\u0103m \u2013 t\u1ee9c m\u1ed1c \u201cng\u01b0\u1ee1ng\u201d 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 \u2013 m\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c ph\u00e9p th\u1ecfa thu\u1eadn \u0111\u00e3 kh\u00f4ng c\u00f2n ph\u00f9 h\u1ee3p\u201d.<\/p>\n

C\u1ea7n l\u00e0m minh b\u1ea1ch\u00a0ti\u00eau ch\u00ed \u201cl\u1eeba \u0111\u1ea3o\u201d<\/strong><\/p>\n

T\u1ea1i H\u1ed9i th\u1ea3o tr\u00ean, nhi\u1ec1u \u00fd ki\u1ebfn th\u1ed1ng nh\u1ea5t cho r\u1eb1ng, y\u1ebfu t\u1ed1 \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 ph\u1ea3i c\u00f3 c\u0103n c\u1ee9 ch\u1ee9ng minh m\u1ee5c \u0111\u00edch v\u00e0 th\u1ee7 \u0111o\u1ea1n c\u1ee7a b\u00ean cho vay c\u00f3 d\u1ea5u hi\u1ec7u \u201cl\u1eeba \u0111\u1ea3o\u201d. V\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u00e0 n\u1ea1n nh\u00e2n \u0111\u1ebfn k\u1ec3 t\u1ea1i H\u1ed9i th\u1ea3o n\u00e0y, y\u1ebfu t\u1ed1 l\u1eeba \u0111\u1ea3o th\u1ec3 hi\u1ec7n r\u00f5 khi nhu c\u1ea7u vay ti\u1ec1n c\u1ea5p b\u00e1ch, nh\u1ea5t th\u1eddi c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 b\u1ecb ng\u01b0\u1eddi cho vay l\u1ee3i d\u1ee5ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd kh\u00f4ng minh b\u1ea1ch, gi\u1ea3 m\u1ea1o gi\u1ea5y t\u1edd nh\u1eb1m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb g\u1ea5p nhi\u1ec1u l\u1ea7n kho\u1ea3n cho vay.<\/p>\n

C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, th\u1ef1c ra, c\u00e1c ch\u1ee7 n\u1ee3 kh\u00f4ng ch\u1ec9 nh\u1eb1m l\u1eeba ng\u01b0\u1eddi vay \u201ct\u00edn d\u1ee5ng \u0111en\u201d, m\u00e0 m\u1ee5c \u0111\u00edch cu\u1ed1i c\u00f9ng c\u1ee7a lo\u1ea1i t\u1ed9i ph\u1ea1m n\u00e0y l\u00e0 gi\u1ea3 m\u1ea1o ch\u1ee9ng t\u1eeb ph\u00e1p l\u00fd, h\u1ee3p th\u1ee9c h\u00f3a th\u1ee7 t\u1ee5c \u0111\u1ec3 l\u1eeba c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng, chi\u1ebfm \u0111o\u1ea1t nh\u1eefng kho\u1ea3n ti\u1ec1n l\u1edbn c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

H\u1ed3 s\u01a1 m\u00e0 c\u00e1c v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 \u0111\u01b0a ra t\u1ea1i H\u1ed9i th\u1ea3o \u0111\u1ec1u cho th\u1ea5y, \u0111\u00edch \u0111\u1ebfn cu\u1ed1i c\u00f9ng c\u1ee7a nh\u1eefng \u201cs\u1ed5 \u0111\u1ecf\u201d c\u1ee7a c\u00e1c ch\u1ee7 n\u1ee3\u00a0 \u2013 \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh sau khi b\u1ecf v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ed3ng cho vay v\u00e0 l\u00e0m th\u1ee7 t\u1ee5c – \u0111\u1ec1u n\u1eb1m t\u1ea1i c\u00e1c NHTM v\u1edbi kho\u1ea3n vay \u0111\u00e3 gi\u1ea3i ng\u00e2n l\u00ean t\u1edbi h\u00e0ng ch\u1ee5c t\u1ef7 \u0111\u1ed3ng.<\/p>\n

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) cho r\u1eb1ng, \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 cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay. \u0110\u1ecbnh ngh\u0129a n\u00e0y \u0111\u00e3 bao qu\u00e1t \u0111\u01b0\u1ee3c c\u00e1c d\u1ea5u hi\u1ec7u c\u01a1 b\u1ea3n c\u1ee7a ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u1edbi ch\u1ee7 th\u1ec3 tham gia l\u00e0 nh\u1eefng ng\u01b0\u1eddi kinh doanh ti\u1ec1n t\u1ec7 tr\u00e1i ph\u00e1p lu\u1eadt v\u00e0 nh\u1eefng ng\u01b0\u1eddi y\u1ebfu th\u1ebf trong x\u00e3 h\u1ed9i.<\/p>\n

\u0110\u01b0a ra gi\u1ea3i ph\u00e1p, b\u00e0 H\u1ea1nh khuy\u1ebfn ngh\u1ecb: Tr\u01b0\u1edbc h\u1ebft, ng\u01b0\u1eddi d\u00e2n n\u00ean t\u00ecm \u0111\u1ebfn c\u00e1c NHTM v\u00e0 ch\u1ee9ng minh trung th\u1ef1c, ch\u00ednh x\u00e1c v\u1ec1 m\u1ee5c \u0111\u00edch nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n v\u1edbi b\u1ed9 ph\u1eadn t\u00edn d\u1ee5ng. C\u00f3 th\u1ec3 th\u1eddi gian x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1 c\u1ee7a ng\u00e2n h\u00e0ng ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u c\u1ea5p b\u00e1ch c\u1ee7a ng\u01b0\u1eddi d\u00e2n, nh\u01b0ng n\u1ebfu ng\u01b0\u1eddi \u0111i vay l\u00e0m ch\u1ee7 \u0111\u01b0\u1ee3c k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh, c\u00f9ng v\u1edbi n\u1ed7 l\u1ef1c n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 c\u1ee7a c\u00e1c NHTM, ch\u1eafc ch\u1eafn nhu c\u1ea7u vay v\u1ed1n h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi d\u00e2n s\u1ebd \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng.<\/p>\n

Hi\u1ec7n nay, c\u00e1c TCTD \u0111ang ho\u1ea1t \u0111\u1ed9ng th\u1ef1c s\u1ef1 hi\u1ec7u qu\u1ea3 v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n nhanh nh\u1ea5t, v\u1edbi th\u1ee7 t\u1ee5c g\u1ecdn nh\u1eb9, cho ng\u01b0\u1eddi d\u00e2n.<\/p>\n

V\u1edbi nh\u1eefng ho\u00e0n c\u1ea3nh kh\u00f4ng th\u1ec3 ch\u1edd v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, b\u00e0 H\u1ea1nh \u0111\u01b0a ra l\u1eddi khuy\u00ean v\u1edbi c\u00e1c n\u1ea1n nh\u00e2n c\u00f3 m\u1eb7t t\u1ea1i H\u1ed9i th\u1ea3o: c\u00e1c v\u1ecb n\u00ean t\u00ecm \u0111\u1ebfn c\u00e1c v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 khi th\u01b0\u01a1ng th\u1ea3o v\u00e0 k\u00fd t\u00ean v\u00e0o c\u00e1c v\u0103n b\u1ea3n m\u00e0 ph\u00eda cho vay \u0111\u01b0a ra. \u0110\u1eebng qu\u00e1 c\u1ea3 tin, b\u1ee9c b\u00e1ch v\u00ec c\u1ea7n ti\u1ec1n m\u00e0 t\u1ef1 \u0111\u01b0a ch\u00e2n v\u00e0o \u201cth\u00f2ng l\u1ecdng\u201d c\u1ee7a ch\u1ee7 n\u1ee3 \u0111\u00e3 gi\u0103ng s\u1eb5n.<\/p>\n

\u00d4ng Chu Quang Ti\u1ebfn, Ph\u00f3 c\u1ee5c tr\u01b0\u1edfng C\u1ee5c thi h\u00e0nh \u00e1n th\u00e0nh ph\u1ed1 H\u00e0 N\u1ed9i \u201cm\u00e1ch\u201d cho c\u00e1c n\u1ea1n nh\u00e2n m\u1ed9t chi ti\u1ebft \u0111\u1ec3 l\u1ed9t tr\u1ea7n b\u1ea3n ch\u1ea5t c\u1ee7a nh\u1eefng v\u1ee5 \u201ct\u00edn d\u1ee5ng \u0111en\u201d nh\u1eb1m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n: H\u00e3y l\u01b0u gi\u1eef t\u1ea5t c\u1ea3 c\u00e1c b\u1eb1ng ch\u1ee9ng trong qu\u00e1 tr\u00ecnh giao d\u1ecbch vay ti\u1ec1n \u0111\u1ec3 ch\u1ee9ng minh kh\u00f4ng c\u00f3 \u00fd ch\u00ed v\u00e0 th\u1ef1c hi\u1ec7n h\u00e0nh vi \u201cmua – b\u00e1n t\u00e0i s\u1ea3n\u201d.<\/p>\n

\u201c\u0110\u00e3 c\u00f3 2 v\u1ee5 ch\u00fang t\u00f4i ki\u1ebfn ngh\u1ecb th\u00e0nh c\u00f4ng thay \u0111\u1ed5i n\u1ed9i dung b\u1ea3n \u00e1n t\u1eeb mua – b\u00e1n t\u00e0i s\u1ea3n sang quan h\u1ec7 vay – n\u1ee3 nh\u1edd ph\u00eda n\u1ea1n nh\u00e2n \u0111\u01b0a ra \u0111\u01b0\u1ee3c b\u1eb1ng ch\u1ee9ng l\u00e0 nh\u1eefng tin nh\u1eafn, nh\u1eefng cu\u1ed9c g\u1eb7p th\u1ecfa thu\u1eadn gi\u1eefa b\u00ean cho vay v\u00e0 ng\u01b0\u1eddi d\u00e2n vay ti\u1ec1n\u201d, \u00f4ng Ti\u1ebfn n\u00f3i.<\/p>\n

L\u1eafng nghe c\u00e1c \u00fd ki\u1ebfn tham lu\u1eadn v\u00e0 ph\u00e2n t\u00edch nguy\u00ean nh\u00e2n c\u1ee7a ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d t\u1eeb nhi\u1ec1u b\u00ean, Gi\u00e1m \u0111\u1ed1c RED \u2013 \u00f4ng Tr\u1ea7n Nh\u1eadt Minh d\u01b0\u1eddng nh\u01b0 v\u1eabn th\u1ea5y c\u00e1c c\u01a1 quan b\u1ea3o v\u1ec7 ph\u00e1p lu\u1eadt c\u1ea7n l\u00e0m r\u00f5: \u201cV\u00ec sao ch\u1ee7 n\u1ee3 c\u00f3 th\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c c\u00f4ng ch\u1ee9ng qu\u00e1 d\u1ec5 d\u00e3i. C\u00f4ng ch\u1ee9ng vi\u00ean ch\u1ee9ng th\u1ef1c m\u1ed9t giao d\u1ecbch mua \u2013 b\u00e1n t\u00e0i s\u1ea3n m\u00e0 l\u1ea1i ch\u1ea5p thu\u1eadn trong n\u1ed9i dung c\u00f4ng ch\u1ee9ng r\u1eb1ng \u201cVi\u1ec7c giao ti\u1ec1n v\u00e0 nh\u1eadn nh\u00e0 gi\u1eefa hai b\u00ean kh\u00f4ng c\u1ea7n c\u00f3 s\u1ef1 ch\u1ee9ng ki\u1ebfn c\u1ee7a c\u00f4ng ch\u1ee9ng vi\u00ean\u201d?<\/p>\n

\u0110\u00e1ng l\u01b0u \u00fd l\u00e0 c\u00f3 ph\u00f2ng c\u00f4ng ch\u1ee9ng l\u00e0m th\u1ee7 t\u1ee5c v\u1edbi n\u1ed9i dung nh\u01b0 tr\u00ean cho h\u00e0ng ch\u1ee5c tr\u01b0\u1eddng h\u1ee3p mua – b\u00e1n nh\u00e0 cho m\u1ed9t ch\u1ee7 chuy\u00ean ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Hai l\u00e0, vi\u1ec7c chuy\u1ec3n t\u00ean ch\u1ee7 s\u1edf h\u1eefu gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 s\u1edf h\u1eefu t\u00e0i s\u1ea3n tr\u00ean \u0111\u1ea5t c\u0169ng kh\u00f4ng c\u1ea7n s\u1ef1 c\u00f3 m\u1eb7t c\u1ee7a ch\u1ee7 nh\u00e0? \u201c<\/p>\n

Ph\u1ea3i ch\u0103ng \u0111\u00e2y l\u00e0 ch\u1ee9ng c\u1ee9 c\u1ee7a d\u1ea5u hi\u1ec7u \u201cl\u1eeba \u0111\u1ea3o\u201d trong quan h\u1ec7 vay \u2013 m\u01b0\u1ee3n ti\u1ec1n n\u00e0y\u201d \u2013 \u00f4ng Minh n\u00eau v\u1ea5n \u0111\u1ec1 v\u00e0 ki\u1ebfn ngh\u1ecb: \u201cHo\u00e0n ch\u1ec9nh n\u1ed9i dung quy ph\u1ea1m ph\u00e1p lu\u1eadt tr\u00ean v\u0103n b\u1ea3n l\u00e0 c\u1ea7n thi\u1ebft, nh\u01b0ng ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ch\u1ee9ng, sang t\u00ean chuy\u1ec3n ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n l\u00e0 nh\u00e0, \u0111\u1ea5t v\u00e0 quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n c\u1ea7n \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan c\u00f3 li\u00ean quan coi tr\u1ecdng.<\/p>\n\n\n\n
\u00d4ng V\u0169 Duy H\u00e0 \u1edf Nghi T\u00e0m, H\u00e0 N\u1ed9i (trong \u1ea3nh) c\u00f3 m\u1ea3nh \u0111\u1ea5t 50m\u00b2 m\u1eb7t ph\u1ed1 Nghi T\u00e0m do cha m\u1eb9 \u0111\u1ec3 l\u1ea1i, tr\u1ecb gi\u00e1 kho\u1ea3ng 10 t\u1ef7 \u0111\u1ed3ng. N\u0103m 2012, m\u1ed9t ng\u01b0\u1eddi quen t\u00ean S\u01a1n \u0111\u00e3 gi\u1edbi thi\u1ec7u v\u1ee3 ch\u1ed3ng \u00f4ng H\u00e0 vay 200 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 x\u00e2y s\u1eeda l\u1ea1i c\u0103n nh\u00e0 c\u1ea5p 4 \u0111ang d\u1ef1ng t\u1ea1m tr\u00ean m\u1ea3nh \u0111\u1ea5t \u0111\u00f3 \u0111\u1ec3 cho thu\u00ea kinh doanh. L\u00e3i su\u1ea5t ng\u01b0\u1eddi n\u00e0y \u0111\u01b0a ra ch\u1ec9 1,2%\/th\u00e1ng. H\u00e0ng th\u00e1ng, \u00f4ng H\u00e0 \u0111\u1ec1u mang 2,4 tri\u1ec7u \u0111\u1ed3ng theo th\u1ecfa thu\u1eadn \u0111\u1ebfn tr\u1ea3 l\u00e3i. Nh\u01b0ng \u0111\u01b0\u1ee3c 10 th\u00e1ng, b\u1ed7ng nhi\u00ean ng\u00e2n h\u00e0ng \u0111\u1ebfn h\u1ecfi th\u0103m, l\u00fac \u0111\u00f3 \u00f4ng H\u00e0 m\u1edbi t\u00e1 h\u1ecfa khi bi\u1ebft ng\u00f4i nh\u00e0 \u00f4ng \u0111ang \u1edf \u0111\u00e3 b\u1ecb Nguy\u1ec5n Th\u1ecb H\u1ed3ng Nhung mang \u0111i ng\u00e2n h\u00e0ng th\u1ebf ch\u1ea5p \u0111\u1ec3 vay 4,8 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\u0110\u1ebfn nay, Nhung kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 v\u00e0 b\u1ecf tr\u1ed1n n\u00ean ng\u00e2n h\u00e0ng \u0111\u1ebfn \u201cxem x\u00e9t t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d \u0111\u1ec3 ph\u00e1t m\u00e3i. \u00d4ng H\u00e0 c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng t\u00e0i s\u1ea3n h\u01a1n 10 t\u1ef7 \u0111\u1ed3ng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Thu\u1eadn H\u1ea3i<\/strong><\/p>\n

———————————–<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (X\u00e3 h\u1ed9i) 11-9-2015:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/di-tim-giai-phap-loai-tru-tin-dung-den-39228.html<\/em><\/p>\n

(71\/2.105)","protected":false},"excerpt":{"rendered":"

(TBNH) – H\u1ed9i tr\u01b0\u1eddng tr\u1ee5 s\u1edf Li\u00ean hi\u1ec7p c\u00e1c h\u1ed9i khoa h\u1ecdc v\u00e0 k\u1ef9 thu\u1eadt Vi\u1ec7t Nam (VUSTA), ng\u00e0y 7\/9\/2015, kh\u00f4ng c\u00f2n ch\u1ed7 tr\u1ed1ng d\u00f9 Ban t\u1ed5 ch\u1ee9c \u0111\u00e3 ph\u1ea3i k\u00ea th\u00eam h\u00e0ng ch\u1ee5c chi\u1ebfc gh\u1ebf. T\u1ea1i \u0111\u00e2y, di\u1ec5n ra H\u1ed9i th\u1ea3o \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby t\u00edn d\u1ee5ng \u0111en\u201d do Trung t\u00e2m Truy\u1ec1n […]<\/p>\n","protected":false},"author":3,"featured_media":29794,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29793","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n770. \u0110i t\u00ecm gi\u1ea3i ph\u00e1p lo\u1ea1i tr\u1eeb \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\/770-di-tim-giai-phap-loai-tru-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]770. \u0110i t\u00ecm gi\u1ea3i ph\u00e1p lo\u1ea1i tr\u1eeb \u201ct\u00edn d\u1ee5ng \u0111en\u201d[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TBNH) – H\u1ed9i tr\u01b0\u1eddng tr\u1ee5 s\u1edf Li\u00ean hi\u1ec7p c\u00e1c h\u1ed9i khoa h\u1ecdc v\u00e0 k\u1ef9 thu\u1eadt Vi\u1ec7t Nam (VUSTA), ng\u00e0y 7\/9\/2015, kh\u00f4ng c\u00f2n ch\u1ed7 tr\u1ed1ng d\u00f9 Ban t\u1ed5 ch\u1ee9c \u0111\u00e3 ph\u1ea3i k\u00ea th\u00eam h\u00e0ng ch\u1ee5c chi\u1ebfc gh\u1ebf. 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