{"id":29814,"date":"2015-09-13T15:27:58","date_gmt":"2015-09-13T08:27:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29814"},"modified":"2022-06-24T15:29:57","modified_gmt":"2022-06-24T08:29:57","slug":"777-bo-tay-voi-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/777-bo-tay-voi-tin-dung-den\/","title":{"rendered":"777. B\u00f3 tay v\u1edbi t\u00edn d\u1ee5ng \u201c\u0111en\u201d?"},"content":{"rendered":"(PT) – Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, c\u00e1c v\u1ee5 \u00e1n v\u1ec1 t\u00edn d\u1ee5ng \u0111en, t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng b\u00f9ng ph\u00e1t c\u1ea3 v\u1ec1 th\u1ee7 \u0111o\u1ea1n v\u00e0 h\u1eadu qu\u1ea3, gi\u00e1 tr\u1ecb ti\u1ec1n, t\u00e0i s\u1ea3n th\u1ea5t tho\u00e1t \u0111\u1eb7c bi\u1ec7t l\u1edbn, s\u1ed1 ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i ng\u00e0y c\u00e0ng gia t\u0103ng. T\u1ea1i 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 Nghi\u00ean c\u1ee9u truy\u1ec1n th\u00f4ng ph\u00e1t tri\u1ec3n (RED) t\u1ed5 ch\u1ee9c, c\u00e1c chuy\u00ean gia kinh t\u1ebf, lu\u1eadt s\u01b0, \u0111\u1ea1i di\u1ec7n T\u1ed5ng c\u1ee5c C\u1ea3nh s\u00e1t ph\u00f2ng ch\u1ed1ng t\u1ed9i ph\u1ea1m v\u00e0 c\u1ea3 nh\u1eefng n\u1ea1n nh\u00e2n c\u1ee7a hi\u1ec7n t\u01b0\u1ee3ng n\u00e0y \u0111\u00e3 c\u00f3 nh\u1eefng trao \u0111\u1ed5i th\u1eb3ng th\u1eafn v\u00e0 c\u1edfi m\u1edf nh\u1eb1m \u0111\u1ec1 xu\u1ea5t nh\u1eefng bi\u1ec7n ph\u00e1p ph\u00f2ng ch\u1ed1ng t\u00edn d\u1ee5ng \u0111en h\u1eefu hi\u1ec7u nh\u1ea5t.<\/strong>
\nT\u1eeb c\u00e2u chuy\u1ec7n c\u1eafm nh\u00e0 10 t\u1ec9 \u0111\u1ed5i 200 tri\u1ec7u<\/strong><\/p>\n

\u00d4ng V\u0169 Duy H\u00e0 (56 tu\u1ed5i, Nghi T\u00e0m, H\u00e0 N\u1ed9i) b\u01b0\u1edbc \u0111i tr\u00ean \u0111\u00f4i ch\u00e2n xi\u00eau v\u1eb9o do c\u00fa s\u1ed1c ti\u1ec1n b\u1ea1c t\u1eeb v\u1ee5 vay n\u1eb7ng l\u00e3i. V\u1ed1n c\u00f3 m\u1ed9t m\u1ea3nh \u0111\u1ea5t 50m2<\/sup>\u00a0m\u1eb7t \u0111\u01b0\u1eddng Nghi T\u00e0m do cha m\u1eb9 \u0111\u1ec3 l\u1ea1i (\u0111\u1ecbnh gi\u00e1 theo th\u1ecb tr\u01b0\u1eddng v\u00e0o kho\u1ea3ng 10 t\u1ec9 \u0111\u1ed3ng), hai v\u1ee3 ch\u1ed3ng \u00f4ng c\u00f9ng v\u1edbi con ch\u00e1u d\u1ef1ng t\u1ea1m c\u0103n nh\u00e0 c\u1ea5p 4, b\u00e1n qu\u00e1n n\u01b0\u1edbc ch\u00e8 ki\u1ebfm s\u1ed1ng.<\/p>\n

\"\"<\/p>\n

N\u0103m 2012, m\u1ed9t ng\u01b0\u1eddi quen t\u00ean S\u01a1n \u0111\u00e3 t\u00ecm \u0111\u1ebfn thuy\u1ebft ph\u1ee5c \u00f4ng b\u00e0 vay 200 tri\u1ec7u \u0111\u1ec3 x\u00e2y s\u1eeda l\u1ea1i nh\u00e0, cho thu\u00ea kinh doanh. L\u00e3i su\u1ea5t m\u00e0 ng\u01b0\u1eddi n\u00e0y \u0111\u01b0a ra ch\u1ec9 1,2%\/th\u00e1ng – kh\u00e1 \u201cm\u1ec1m\u201d so v\u1edbi\u00a0l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng \u0111en<\/strong>\u00a0tr\u00ean th\u1ecb tr\u01b0\u1eddng. Nghe b\u00f9i tai, v\u1edbi l\u1ea1i c\u0169ng mu\u1ed1n t\u1ea1o c\u01a1 h\u1ed9i ki\u1ebfm th\u00eam thu nh\u1eadp cho gia \u0111\u00ecnh g\u1ea7n ch\u1ee5c mi\u1ec7ng \u0103n, \u00f4ng b\u00e0 \u0111\u1ed3ng \u00fd.<\/p>\n

Ngay l\u1eadp t\u1ee9c, S\u01a1n \u0111\u01b0a \u00f4ng l\u00ean \u00f4t\u00f4, ch\u1edf \u0111\u1ebfn Th\u1ee5y Khu\u00ea (T\u00e2y H\u1ed3) g\u1eb7p Nguy\u1ec5n Th\u1ecb H\u1ed3ng Nhung, t\u1ef1 x\u01b0ng l\u00e0 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty TNHH Ph\u1ea7n m\u1ec1m CFA. Tr\u00ean \u0111\u01b0\u1eddng \u0111i, S\u01a1n \u0111\u00e3 \u0111\u1ecdc cho \u00f4ng H\u00e0 nghe m\u1ed9t b\u1ea3n h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n v\u00e0 y\u00eau c\u1ea7u \u00f4ng k\u00fd ngay khi g\u1eb7p Nhung. Ch\u1eb3ng hi\u1ec3u bi\u1ebft h\u1ebft, nghe c\u0169ng l\u00f5m b\u00f5m, nh\u01b0ng tin v\u00e0o S\u01a1n v\u00e0 \u201cc\u00f4ng ty l\u00e0m \u0103n uy t\u00edn\u201d, \u00f4ng \u0111\u00e3 kh\u00f4ng ng\u1ea1i \u0111\u1eb7t b\u00fat k\u00fd v\u00e0 \u0111\u1ed3ng \u00fd theo y\u00eau c\u1ea7u c\u1ee7a Nhung l\u00e0 \u0111\u01b0a s\u1ed5 \u0111\u1ecf cho Nhung gi\u1eef \u0111\u1ec3 \u201cl\u00e0m tin\u201d. C\u1ea7m ti\u1ec1n v\u1ec1, h\u1eb1ng th\u00e1ng, \u00f4ng \u0111\u1ec1u \u0111\u1eb7n mang 2,4 tri\u1ec7u \u0111\u1ebfn nh\u1eefng qu\u00e1n c\u00e0 ph\u00ea do Nhung h\u1eb9n g\u1eb7p \u0111\u1ec3 tr\u1ea3 l\u00e3i.<\/p>\n

M\u1ecdi chuy\u1ec7n \u201c\u00eam xu\u00f4i\u201d \u0111\u01b0\u1ee3c 10 th\u00e1ng, th\u00ec gia \u0111\u00ecnh \u00f4ng b\u1ed7ng \u201c\u0111\u01b0\u1ee3c\u201d \u0111\u00f3n c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng gh\u00e9 th\u0103m, ng\u00f3 nghi\u00eang nh\u00e0 c\u1eeda v\u00e0 h\u1ecfi l\u00fd do sao \u00f4ng l\u1ea1i b\u00e1n nh\u00e0. \u0110\u1ebfn l\u00fac n\u00e0y, c\u1ea3 gia \u0111\u00ecnh \u00f4ng m\u1edbi ho\u1ea3ng h\u1ed1t khi bi\u1ebft ng\u00f4i nh\u00e0 \u00f4ng \u0111ang \u1edf \u0111\u00e3 c\u00f3 gi\u1ea5y t\u1edd chuy\u1ec3n nh\u01b0\u1ee3ng cho ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean l\u00e0 Nguy\u1ec5n Th\u1ecb H\u1ed3ng Nhung v\u00e0 ng\u01b0\u1eddi n\u00e0y \u0111\u00e3 mang s\u1ed5 \u0111\u1ecf \u0111i ng\u00e2n h\u00e0ng th\u1ebf ch\u1ea5p \u0111\u1ec3 vay 4,8 t\u1ec9 \u0111\u1ed3ng c\u00e1ch \u0111\u00e2y 9 th\u00e1ng.<\/p>\n

\u0110\u1ebfn khi Nhung kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, 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. G\u1ecdi cho Nhung th\u00ec \u0111i\u1ec7n tho\u1ea1i kh\u00f4ng li\u00ean l\u1ea1c \u0111\u01b0\u1ee3c. Vi\u1ebft \u0111\u01a1n l\u00ean ch\u00ednh quy\u1ec1n th\u00ec m\u1edbi bi\u1ebft Nhung \u0111\u00e3 b\u1ecf tr\u1ed1n. \u0110\u1ee9ng tr\u01b0\u1edbc nguy c\u01a1 m\u1ea5t nh\u00e0, \u00f4ng H\u00e0 g\u1ea7n nh\u01b0 suy s\u1ee5p h\u1eb3n. Su\u1ed1t 2 n\u0103m nay, \u00f4ng g\u00f5 c\u1eeda kh\u1eafp n\u01a1i khi\u1ebfu n\u1ea1i, nh\u01b0ng b\u00e0i to\u00e1n c\u1ee7a \u00f4ng v\u1eabn ch\u01b0a c\u00f3 l\u1eddi gi\u1ea3i.<\/p>\n

M\u1ea5t nh\u00e0 v\u00ec thi\u1ebfu hi\u1ec3u bi\u1ebft<\/strong><\/p>\n

Kinh t\u1ebf kh\u1ee7ng ho\u1ea3ng, th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3ng b\u0103ng, \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n d\u1eabn \u0111\u1ebfn nhu c\u1ea7u v\u1ec1 ngu\u1ed3n v\u1ed1n ng\u00e0y c\u00e0ng t\u0103ng. Ng\u01b0\u1ee3c l\u1ea1i, vi\u1ec7c th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p, c\u00e1 nh\u00e2n kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi ngu\u1ed3n v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u00f3 ch\u00ednh l\u00e0 l\u00fd do khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi ph\u1ea3i t\u00ecm c\u00e1ch ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng \u0111en \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng qua ng\u00e0y.<\/p>\n

C\u00e1c th\u1ee7 t\u1ee5c \u0111\u1ec3 vay \u0111\u01b0\u1ee3c ti\u1ec1n c\u1ee7a t\u00edn d\u1ee5ng \u0111en l\u00e0 r\u1ea5t nhanh g\u1ecdn. C\u00e1c b\u00ean 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 cho 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\u00e0 th\u01b0\u1eddng th\u00ec gi\u00e1 tr\u1ecb cho 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, \u0111\u1ec3 l\u00e0m tin, xem nh\u01b0 m\u1ed9t h\u00ecnh th\u1ee9c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n cho b\u00ean cho vay t\u00edn d\u1ee5ng \u0111en; H\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n ho\u1eb7c gi\u1ea5y \u1ee7y quy\u1ec1n cho b\u00ean cho vay to\u00e0n quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n nh\u00e0 \u0111\u1ea5t c\u1ee7a m\u00ecnh (mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng, t\u1eb7ng cho, th\u1ebf ch\u1ea5p), \u0111\u1ec3 b\u00ean cho vay \u0111\u01b0\u1ee3c gi\u1eef gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1edf h\u1eefu h\u1eefu nh\u00e0 \u1edf, nh\u01b0 m\u1ed9t h\u00ecnh th\u1ee9c ch\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n; Th\u1ee7 t\u1ee5c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c do b\u00ean cho vay li\u00ean h\u1ec7, giao d\u1ecbch; Vi\u1ec7c c\u00f4ng ch\u1ee9ng ch\u1ee9ng th\u1ef1c 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, \u0111\u1ebfn t\u1ea1i nh\u00e0 b\u00ean vay, t\u1ea1i ch\u1ee3\u2026<\/p>\n

Hai b\u00ean th\u1ed1ng nh\u1ea5t b\u1eb1ng mi\u1ec7ng, ho\u1eb7c v\u0103n b\u1ea3n l\u00e0 khi n\u00e0o b\u00ean vay tr\u1ea3 ti\u1ec1n vay cho b\u00ean cho vay th\u00ec s\u1ebd h\u1ee7y 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\u00e0 h\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n.Vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng 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.<\/p>\n

Vi\u1ec7c n\u00e0y l\u00e0 kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng n\u00f3i, b\u1edfi l\u1ebd \u0111\u00e2y l\u00e0 quan h\u1ec7 \u201cthu\u1eadn mua v\u1eeba b\u00e1n\u201d, tuy nhi\u00ean nh\u1eefng k\u1ebb \u0111\u1ee9ng ra cho vay ngay l\u1eadp t\u1ee9c l\u1ee3i d\u1ee5ng nh\u1eefng gi\u1ea5y t\u1edd c\u1ea7m c\u1ed1 kia \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u00e0nh vi l\u1eeba \u0111\u1ea3o.<\/p>\n

Khi c\u1ea7m gi\u1ea5y t\u1edd nh\u00e0 \u0111\u1ea5t trong tay, nhi\u1ec1u k\u1ebb \u0111\u00e3 l\u00e0m th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd, thay \u0111\u1ed5i, sang t\u00ean tr\u1edf th\u00e0nh ng\u01b0\u1eddi 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 s\u1ed1 ti\u1ec1n vay h\u00e0ng t\u1ec9 \u0111\u1ed3ng. Trong khi \u0111\u00f3 th\u00ec ng\u01b0\u1eddi \u0111i vay t\u00edn d\u1ee5ng \u0111en v\u1eabn \u0111ang s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n, nh\u00e0 \u0111\u1ea5t c\u1ee7a m\u00ecnh, m\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng bi\u1ebft n\u00f3 \u0111\u00e3 tr\u1edf th\u00e0nh c\u1ee7a ng\u01b0\u1eddi kh\u00e1c – tr\u00ean gi\u1ea5y t\u1edd.<\/p>\n

\u0110\u1ebfn khi nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kia \u00f4m ti\u1ec1n \u201ccao ch\u1ea1y xa bay\u201d ho\u1eb7c\u00a0m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n l\u00e3i<\/em>\u00a0<\/em>cho ng\u00e2n h\u00e0ng th\u00ec m\u1ecdi chuy\u1ec7n m\u1edbi v\u1ee1 l\u1edf. Ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o l\u00e3nh, khi t\u00f2a \u00e1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p m\u1edbi ph\u00e1t hi\u1ec7n ra ng\u01b0\u1eddi \u0111ang chi\u1ebfm gi\u1eef, s\u1eed d\u1ee5ng nh\u00e0 \u0111\u1ea5t th\u1ebf ch\u1ea5p cho ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi cho vay \u0111\u00e3 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n n\u00e0y cho ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u1ebfn l\u00fac n\u00e0y ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n m\u1edbi bi\u1ebft l\u00e0 nh\u00e0 \u0111\u1ea5t c\u1ee7a m\u00ecnh \u0111\u00e3 \u0111\u01b0\u1ee3c sang t\u00ean cho ng\u01b0\u1eddi kh\u00e1c, ho\u1eb7c b\u1ecb th\u1ebf ch\u1ea5p cho ng\u00e2n h\u00e0ng, c\u00f2n tr\u01b0\u1edbc \u0111\u00f3 h\u1ecd ch\u1ec9 bi\u1ebft k\u00fd h\u1ee3p \u0111\u1ed3ng theo y\u00eau c\u1ea7u c\u1ee7a b\u00ean cho vay \u0111\u1ec3 \u0111\u01b0\u1ee3c vay ti\u1ec1n, th\u1eadm ch\u00ed nhi\u1ec1u ng\u01b0\u1eddi ch\u1ec9 hi\u1ec3u l\u00e0 cho m\u01b0\u1ee3n gi\u1ea5y t\u1edd nh\u00e0 trong m\u1ed9t kho\u1ea3ng th\u1eddi gian, r\u1ed3i b\u00ean m\u01b0\u1ee3n tr\u1ea3 l\u1ea1i.<\/p>\n

H\u1eadu qu\u1ea3 l\u00e0, ng\u01b0\u1eddi \u0111i vay m\u1ea5t nh\u00e0 \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; ng\u01b0\u1eddi vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng tr\u1ed1n tr\u00e1nh \u0111\u01b0\u1ee3c tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 ti\u1ec1n \u0111\u00e3 vay cho ng\u00e2n h\u00e0ng.<\/p>\n

V\u1ee5 vi\u1ec7c c\u1ee7a \u00f4ng V\u0169 Anh Tu\u1ea5n (H\u00e0 N\u1ed9i) l\u00e0 m\u1ed9t v\u00ed d\u1ee5 cho tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi d\u00e2n ch\u1ec9 bi\u1ebft l\u00e0 m\u00ecnh \u0111\u00e3 m\u1ea5t nh\u00e0 khi ng\u00e2n h\u00e0ng t\u1edbi ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n. Do thi\u1ebfu ti\u1ec1n kinh doanh, kh\u00f4ng vay v\u1ed1n \u0111\u01b0\u1ee3c t\u1eeb ng\u00e2n h\u00e0ng, trong n\u0103m 2013, gia \u0111\u00ecnh \u00f4ng Tu\u1ea5n \u0111\u00e3 t\u00ecm \u0111\u1ebfn C\u00f4ng ty CP C\u00e1t Nam Phong (tr\u1ee5 s\u1edf t\u1ea1i t\u00f2a nh\u00e0 M3 + M4, Nguy\u1ec5n Ch\u00ed Thanh, qu\u1eadn \u0110\u1ed1ng \u0110a, H\u00e0 N\u1ed9i) \u0111\u1ec3 vay ti\u1ec1n.<\/p>\n

\u201cCh\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 Nguy\u1ec5n Th\u1ecb H\u1ea3i Y\u1ebfn l\u00e0 Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb v\u00e0 anh Ho\u00e0ng Ph\u00fac \u0110\u01b0\u1eddng, Ph\u00f3 gi\u00e1m \u0111\u1ed1c C\u00f4ng ty CP C\u00e1t Nam Phong, sau \u0111\u00f3, \u0111\u01b0\u1ee3c c\u00f4ng ty n\u00e0y cho vay kho\u1ea3ng 300 – 500 tri\u1ec7u \u0111\u1ed3ng, l\u00e3i t\u00ednh theo ng\u00e0y. Ch\u1ecb Y\u1ebfn n\u00f3i v\u1edbi ch\u00fang t\u00f4i l\u00e0 vi\u1ec7c k\u00fd h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng v\u00e0 giao s\u1ed5 \u0111\u1ecf cho ch\u1ecb Y\u1ebfn l\u00e0 \u0111\u1ec3 nh\u1eb1m b\u1ea3o \u0111\u1ea3m ch\u00fang t\u00f4i c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 l\u00e3i v\u00e0 g\u1ed1c cho C\u00f4ng ty C\u00e1t Nam Phong. Ch\u00fang t\u00f4i tin l\u00e0 nh\u01b0 v\u1eady, v\u00ec gi\u1eefa ch\u00fang t\u00f4i v\u00e0 ch\u1ecb Nguy\u1ec5n Th\u1ecb H\u1ea3i Y\u1ebfn kh\u00f4ng b\u00e0n giao nh\u00e0, kh\u00f4ng nh\u1eadn ti\u1ec1n chuy\u1ec3n nh\u01b0\u1ee3ng\u201d – \u00f4ng Tu\u1ea5n n\u00f3i.<\/p>\n

Ti\u1ebfp \u0111\u00f3, t\u1edbi n\u0103m 2014 th\u00ec \u00f4ng Tu\u1ea5n b\u1ed7ng d\u01b0ng th\u1ea5y c\u00e1c c\u00e1n b\u1ed9 c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u1ebfn xem x\u00e9t nh\u00e0 \u0111\u1ec3 thu h\u1ed3i t\u00e0i s\u1ea3n. V\u00e0 khi \u0111\u01b0\u1ee3c h\u1ecfi, c\u00e1c c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng m\u1edbi cho bi\u1ebft r\u1eb1ng, nh\u00e0 \u0111\u1ea5t c\u1ee7a \u00f4ng Tu\u1ea5n v\u00e0 m\u1ed9t s\u1ed1 ng\u01b0\u1eddi kh\u00e1c \u0111\u00e3 b\u1ecb Nguy\u1ec5n Th\u1ecb H\u1ea3i Y\u1ebfn sang t\u00ean \u0111em th\u1ebf ch\u1ea5p cho ng\u00e2n h\u00e0ng \u0111\u1ec3 vay ti\u1ec1n.<\/p>\n

\u00d4ng Tu\u1ea5n chia s\u1ebb: \u201cT\u1edbi l\u00fac n\u00e0y, ch\u00fang t\u00f4i m\u1edbi bi\u1ebft \u0111\u01b0\u1ee3c l\u00e0 m\u00ecnh \u0111\u00e3 b\u1ecb l\u1eeba k\u00fd h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng nh\u00e0 \u0111\u1ea5t cho ch\u1ecb Nguy\u1ec5n Th\u1ecb H\u1ea3i Y\u1ebfn v\u00e0 anh Ho\u00e0ng Ph\u00fac \u0110\u01b0\u1eddng. Ch\u00fang t\u00f4i r\u1ea5t ng\u1ea1c nhi\u00ean v\u1ec1 vi\u1ec7c n\u00e0y, v\u00ec ch\u00fang t\u00f4i v\u1eabn \u0103n \u1edf trong nh\u00e0 c\u1ee7a m\u00ecnh t\u1eeb tr\u01b0\u1edbc cho \u0111\u1ebfn nay, kh\u00f4ng th\u1ea5y b\u1ea5t k\u1ef3 ai \u0111\u1ebfn \u0111o \u0111\u1ea1c, xem x\u00e9t, ki\u1ec3m tra, \u0111\u00e1nh gi\u00e1 hay k\u00fd t\u00e1 c\u00e1c v\u0103n b\u1ea3n gi\u1ea5y t\u1edd \u0111\u1ec3 th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng\u201d.<\/p>\n

C\u00f9ng v\u1edbi m\u1ed9t c\u00e1ch th\u1ee9c nh\u01b0 tr\u00ean, C\u00f4ng ty C\u00e1t Nam Phong \u0111\u00e3 l\u1eeba \u0111\u1ea3o g\u1ea7n 10 h\u1ed9 gia \u0111\u00ecnh tr\u00ean \u0111\u1ecba b\u00e0n H\u00e0 N\u1ed9i. L\u00e0m cho \u0111\u1eddi s\u1ed1ng c\u1ee7a c\u00e1c gia \u0111\u00ecnh n\u00e0y b\u1ecb \u0111\u1ea3o l\u1ed9n, kh\u00f3 kh\u0103n ng\u00e0y c\u00e0ng ch\u1ed3ng ch\u1ea5t, tuy nhi\u00ean c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng Nguy\u1ec5n Th\u1ecb H\u1ea3i Y\u1ebfn v\u00e0 Ho\u00e0ng Ph\u00fac \u0110\u01b0\u1eddng hi\u1ec7n nay v\u1eabn ung dung t\u1ef1 t\u1ea1i nh\u01b0 kh\u00f4ng c\u00f3 chuy\u1ec7n g\u00ec li\u00ean quan t\u1edbi m\u00ecnh.<\/p>\n

T\u00edn d\u1ee5ng \u0111en s\u1ed1ng kh\u1ecfe v\u00ec lu\u1eadt m\u01a1 h\u1ed3<\/em><\/strong><\/p>\n

\u0110\u00f3 l\u00e0 \u0111i\u1ec1u Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Tr\u1ecdng t\u00e0i vi\u00ean VIAC nh\u1ea5n m\u1ea1nh:<\/em><\/p>\n

Trong v\u1ee5 vi\u1ec7c c\u1ee7a \u00f4ng Tu\u1ea5n v\u00e0 C\u00f4ng ty C\u00e1t Nam Phong, m\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c c\u00e1c lu\u1eadt s\u01b0 \u0111\u01b0a ra \u0111\u00f3 l\u00e0 vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng \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

B\u00ean c\u1ea1nh \u0111\u00f3, theo Lu\u1eadt s\u01b0 Nguy\u1ec5n Anh Tu\u1ea5n – C\u00f4ng ty TNHH Lu\u1eadt Tr\u01b0\u1eddng L\u1ed9c th\u00ec, th\u1ee7 t\u1ee5c sang t\u00ean chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ea5t ch\u1ec9 c\u0103n c\u1ee9 v\u00e0o h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng v\u00e0 vi\u1ec7c n\u1ed9p c\u00e1c lo\u1ea1i thu\u1ebf \u0111\u00e3 sang t\u00ean ch\u1ee7 s\u1edf h\u1eefu s\u1eed d\u1ee5ng nh\u00e0 \u0111\u1ea5t cho b\u00ean nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng l\u00e0 ch\u01b0a \u0111\u1ee7 c\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh b\u00ean b\u00e1n giao t\u00e0i s\u1ea3n v\u00e0 nh\u1eadn ti\u1ec1n c\u1ee7a b\u00ean mua theo quy \u0111\u1ecbnh c\u1ee7a \u0110i\u1ec1u 428 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Ch\u01b0a c\u00f3 b\u1eb1ng ch\u1ee9ng x\u00e1c \u0111\u1ecbnh l\u00e0 b\u00ean b\u00e1n \u0111\u00e3 chuy\u1ec3n giao cho b\u00ean mua quy\u1ec1n s\u1eed d\u1ee5ng, chi\u1ebfm h\u1eefu nh\u00e0 \u0111\u1ea5t cho b\u00ean mua.<\/p>\n

Nh\u01b0 v\u1eady, k\u1ebd h\u1edf c\u1ee7a 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 c\u1ee7a vi\u1ec7c th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng, mua b\u00e1n nh\u00e0 \u0111\u1ea5t, ch\u1ec9 c\u0103n c\u1ee9 v\u00e0o h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng 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

C\u00f2n theo Lu\u1eadt s\u01b0 \u0110\u1ee9c th\u00ec c\u1ee5m t\u1eeb t\u00edn d\u1ee5ng \u0111en l\u00e0 t\u1eeb d\u00f9ng trong d\u00e2n, v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd kh\u00f4ng d\u1ec5 g\u00ec kh\u1eb3ng \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o l\u00e0 t\u00edn d\u1ee5ng \u0111en v\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh hay gi\u1ea3i th\u00edch c\u1ee5 th\u1ec3 c\u1ee7a ph\u00e1p lu\u1eadt. C\u00f2n trong d\u00e2n gian, c\u1ee5m t\u1eeb n\u00e0y \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao \u201cc\u1eaft c\u1ed5\u201d, v\u01b0\u1ee3t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc nhi\u1ec1u l\u1ea7n.<\/em><\/p>\n

\u201cTrong quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005, Lu\u1eadt Doanh nghi\u1ec7p 2014 th\u00ec giao d\u1ecbch vay v\u00e0 cho vay gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n, 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. 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 (\u0111i\u1ec3m b, kho\u1ea3n 8, \u0110i\u1ec1u 5 Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng 2008) \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i b\u1ed5 sung n\u0103m 2013)… Nh\u01b0 v\u1eady kh\u00f3 c\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh tr\u01b0\u1eddng h\u1ee3p n\u00e0o l\u00e0 cho vay h\u1ee3p ph\u00e1p ho\u1eb7c b\u1ea5t h\u1ee3p ph\u00e1p\u201d – Lu\u1eadt s\u01b0 \u0110\u1ee9c chia s\u1ebb quan \u0111i\u1ec3m.<\/em><\/p>\n

\u0110\u1ec3 kh\u1eb3ng \u0111\u1ecbnh \u0111\u00e2u l\u00e0 t\u00edn d\u1ee5ng \u0111en ng\u01b0\u1eddi ta ch\u1ec9 c\u0103n c\u1ee9 v\u00e0o\u00a0m\u1ee9c l\u00e3i su\u1ea5t cho vay<\/u>. Lu\u1eadt s\u01b0 \u0110\u1ee9c ch\u1ec9 ra ti\u1ebfp, 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 th\u1ecfa 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.<\/em><\/p>\n

Hi\u1ec7n nay m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 v\u00e0 \u0111ang \u00e1p d\u1ee5ng l\u00e0 9%\/n\u0103m (t\u1eeb n\u0103m 2010), nh\u01b0 v\u1eady giao d\u1ecbch n\u00e0o v\u01b0\u1ee3t m\u1ee9c 13,5% l\u00e0 giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 b\u1eaft \u0111\u1ea7u c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a t\u00edn d\u1ee5ng \u0111en, k\u1ec3 c\u1ea3 giao d\u1ecbch c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/em><\/p>\n

Trong th\u1ef1c t\u1ebf th\u00ec t\u1eeb n\u0103m 2011 \u0111\u1ebfn nay 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. Do \u0111\u00f3 kh\u00f3 c\u00f3 th\u1ec3 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.<\/em><\/p>\n

L\u00e2u nay ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u1eed b\u1eb1ng B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1. Tuy nhi\u00ean, ngay trong B\u1ed9 lu\u1eadt n\u00e0y c\u0169ng kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay tr\u00e1i ph\u00e9p, m\u00e0 ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p.<\/em><\/p>\n

Nh\u01b0 v\u1eady, ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng vi ph\u1ea1m ph\u00e1p lu\u1eadt s\u1ebd \u0111\u01b0\u1ee3c x\u1eed theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 159 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 v\u1ec1 h\u00e0nh vi \u201ckinh doanh tr\u00e1i ph\u00e9p\u201d khi c\u1ea5u th\u00e0nh \u0111\u1ee7 t\u1ed9i danh g\u1ed3m: \u201ckh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay, ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d m\u00e0 \u0111\u00e3 b\u1ecb \u201cx\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh v\u1ec1 h\u00e0nh vi cho vay tr\u00e1i ph\u00e9p\u201d ho\u1eb7c thu l\u1eddi t\u1eeb 100 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean…<\/em><\/p>\n

L\u1eadt l\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005, Lu\u1eadt Doanh nghi\u1ec7p 2014 th\u00ec l\u1ea1i kh\u00f4ng th\u1ec3 x\u1eed ph\u1ea1t h\u00ecnh s\u1ef1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n d\u00f9 h\u1ecd kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p v\u00e0 c\u1ea3 2 lu\u1eadt n\u00e0y \u0111\u1ec1u kh\u00f4ng \u201ckh\u1ed1ng ch\u1ebf\u201d m\u1ee9c l\u1ee3i nhu\u1eadn thu \u0111\u01b0\u1ee3c t\u1eeb ho\u1ea1t \u0111\u1ed9ng cho vay…<\/em><\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n Th\u1ebf Truy\u1ec1n – C\u00f4ng ty Lu\u1eadt H\u1ee3p danh Thi\u00ean Thanh c\u0169ng cho r\u1eb1ng, t\u00edn d\u1ee5ng \u0111en l\u00e0 t\u1ed9i \u201ccho vay n\u1eb7ng l\u00e3i\u201d quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 163 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1. M\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 c\u1ea5u th\u00e0nh c\u1ee7a t\u1ed9i \u201ccho vay n\u1eb7ng l\u00e3i\u201d l\u00e0 \u201cl\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 v\u00e0 c\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d…<\/p>\n

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

C\u1ea7n ph\u1ea3i ho\u00e0n thi\u1ec7n v\u0103n b\u1ea3n ph\u00e1p l\u00fd<\/p>\n

Th\u01b0\u1ee3ng t\u00e1 Tr\u1ea7n Th\u1ecb Th\u00fay – T\u1ed5ng c\u1ee5c C\u1ea3nh s\u00e1t ph\u00f2ng ch\u1ed1ng t\u1ed9i ph\u1ea1m (B\u1ed9 C\u00f4ng an) cho bi\u1ebft: T\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en hi\u1ec7n di\u1ec5n ra ph\u1ed5 bi\u1ebfn, c\u00f3 s\u1ef1 tham gia c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng h\u00ecnh s\u1ef1 nguy hi\u1ec3m, m\u1ed9t s\u1ed1 l\u1ee3i d\u1ee5ng n\u00fap b\u00f3ng c\u00e1c doanh nghi\u1ec7p \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u00e0nh vi ph\u1ea1m t\u1ed9i. T\u1eeb n\u0103m 2010 \u0111\u1ebfn n\u0103m 2014, l\u1ef1c l\u01b0\u1ee3ng c\u00f4ng an \u0111\u00e3 \u0111i\u1ec1u tra l\u00e0m r\u00f5 v\u00e0 kh\u1edfi t\u1ed1 h\u01a1n 5.800 v\u1ee5, v\u1edbi g\u1ea7n 10.900 b\u1ecb can li\u00ean quan \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en, trong \u0111\u00f3 c\u00f3 g\u1ea7n 1.500 v\u1ee5 l\u1eeba \u0111\u1ea3o, g\u1ea7n 2.000 v\u1ee5 l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n…<\/p>\n

Theo Th\u01b0\u1ee3ng t\u00e1 Th\u00fay th\u00ec, hi\u1ec7n nay c\u00e1c quy \u0111\u1ecbnh \u0111\u00f2i n\u1ee3 thu\u00ea \u0111ang m\u1ed7i ng\u00e0y m\u1ed9t ch\u1eb7t ch\u1ebd h\u01a1n, nh\u01b0ng ch\u1ec9 m\u1edbi \u0111i\u1ec1u ch\u1ec9nh \u0111\u01b0\u1ee3c doanh nghi\u1ec7p c\u00f3 ng\u00e0nh ngh\u1ec1 \u0111\u00f2i n\u1ee3 thu\u00ea. Ch\u01b0a c\u00f3 lu\u1eadt \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh m\u1ecdi h\u00e0nh vi \u0111\u00f2i n\u1ee3, \u0111\u1eb7c bi\u1ec7t c\u1ee7a b\u1ecdn c\u00f4n \u0111\u1ed3 x\u00e3 h\u1ed9i \u0111en. C\u1ea7n ph\u1ea3i c\u00f3 quy \u0111\u1ecbnh c\u1ea5m c\u00e1c c\u00e1 nh\u00e2n t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p h\u00e0nh ngh\u1ec1 \u0111\u00f2i n\u1ee3 thu\u00ea \u0111i \u0111\u00f2i n\u1ee3. Tr\u01b0\u1edbc h\u1ebft, c\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 ph\u00ed \u0111\u00f2i n\u1ee3, hi\u1ec7n nay \u0111ang b\u1ecb \u0111\u1ea9y l\u00ean qu\u00e1 cao, t\u1edbi 40-50 nhi\u1ec1u khi t\u1edbi 70%.<\/p>\n

Theo nhi\u1ec1u chuy\u00ean gia, \u0111\u1ec3 d\u1ecbch v\u1ee5 thu n\u1ee3 kh\u00f4ng b\u1ecb bi\u1ebfn t\u01b0\u1edbng, ph\u1ea3i c\u00f3 m\u1ed9t quy tr\u00ecnh \u0111\u1ea7u v\u00e0o chu\u1ea9n, c\u00f3 quy \u0111\u1ecbnh c\u00e1c bi\u1ec7n ph\u00e1p thu n\u1ee3 v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 chuy\u00ean nghi\u1ec7p. N\u1ebfu kh\u00f4ng th\u00ec v\u1edbi l\u1ee3i nhu\u1eadn cao, c\u00e1c c\u00f4ng ty, nh\u00f3m t\u1ed9i ph\u1ea1m s\u1ebd \u0111\u00e1nh \u0111\u1ed5i b\u1eb1ng m\u1ecdi c\u00e1ch \u0111\u1ec3 \u0111\u00f2i \u0111\u01b0\u1ee3c, nh\u01b0 d\u00f9ng s\u1ee9c \u00e9p, kh\u1ee7ng b\u1ed1 tinh th\u1ea7n con n\u1ee3. M\u1ed9t \u0111i\u1ec1u \u0111\u00e1ng ch\u00fa \u00fd n\u1eefa l\u00e0 ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t ch\u1ec9 v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng kh\u00f4ng \u0111\u1ee7 s\u1ee9c r\u0103n \u0111e.<\/p>\n

Gi\u1ea3ng vi\u00ean Lu\u1eadt Tr\u1ea7n Quang V\u0169 cho r\u1eb1ng, \u0110i\u1ec1u 163 c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 quy \u0111\u1ecbnh l\u00e0 \u201cm\u1ee9c l\u00e3i su\u1ea5t cho vay cao h\u01a1n 10 l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh\u201d c\u00f2n B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005 th\u00ec quy \u0111\u1ecbnh \u201cl\u00e3i su\u1ea5t do c\u00e1c b\u00ean th\u1ecfa 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\u1edbi 2 quy \u0111\u1ecbnh kh\u00e1c nhau nh\u01b0 v\u1eady ho\u1ea1t \u0111\u1ed9ng cho vay ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hay B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1?<\/p>\n

Theo \u00f4ng V\u0169, n\u00ean \u00e1p d\u1ee5ng m\u1ee9c m\u00e0 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 \u0111\u01b0a ra l\u00e0 \u201ctr\u00ean 10 l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh\u201d 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 th\u1ecfa thu\u1eadn c\u1ee7a b\u00ean cho vay v\u00e0 b\u00ean vay\u201d – \u00f4ng V\u0169 nh\u1ea5n m\u1ea1nh.<\/p>\n

Gi\u1eefa d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 h\u1ee3p ph\u00e1p v\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p l\u00e0 m\u1ed9t ranh gi\u1edbi r\u1ea5t mong manh v\u00e0 c\u00e0ng d\u1ec5 b\u1ecb x\u00f3a nh\u00f2a, khi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt thi\u1ebfu r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3. Ch\u00ednh v\u00ec v\u1eady, n\u1ebfu th\u1ef1c s\u1ef1 mu\u1ed1n ng\u0103n ch\u1eb7n nh\u1eefng h\u1eadu qu\u1ea3 \u0111\u00e1ng ti\u1ebfc t\u1eeb c\u00e1c ki\u1ec3u \u0111\u00f2i n\u1ee3 b\u1eb1ng \u201ch\u00e0ng n\u00f3ng, h\u00e0ng l\u1ea1nh\u201d, c\u00e1c v\u1ee5 kh\u1ee7ng b\u1ed1 tinh th\u1ea7n con n\u1ee3… r\u1ea5t c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u01b0a ra nh\u1eefng nghi\u00ean c\u1ee9u, \u0111\u00e1nh gi\u00e1 kinh nghi\u1ec7m, t\u1eeb \u0111\u00f3 \u0111\u00fac r\u00fat l\u1ea1i th\u00e0nh c\u00e1c quy \u0111\u1ecbnh th\u1eadt chuy\u00ean nghi\u1ec7p, c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng.<\/p>\n

 <\/p>\n

T\u00fa C\u1ea9m<\/strong><\/p>\n

—————————————<\/p>\n

Petro Times (Kinh t\u1ebf) 13-9-2015:<\/em><\/strong><\/p>\n

http:\/\/petrotimes.vn\/bo-tay-voi-tin-dung-den-322786.html<\/em><\/p>\n

(604\/3.271)","protected":false},"excerpt":{"rendered":"

(PT) – Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, c\u00e1c v\u1ee5 \u00e1n v\u1ec1 t\u00edn d\u1ee5ng \u0111en, t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng b\u00f9ng ph\u00e1t c\u1ea3 v\u1ec1 th\u1ee7 \u0111o\u1ea1n v\u00e0 h\u1eadu qu\u1ea3, gi\u00e1 tr\u1ecb ti\u1ec1n, t\u00e0i s\u1ea3n th\u1ea5t tho\u00e1t \u0111\u1eb7c bi\u1ec7t l\u1edbn, s\u1ed1 ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i ng\u00e0y c\u00e0ng gia t\u0103ng. T\u1ea1i h\u1ed9i th\u1ea3o \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby […]<\/p>\n","protected":false},"author":3,"featured_media":29815,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29814","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n777. B\u00f3 tay v\u1edbi t\u00edn d\u1ee5ng \u201c\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-777-bo-tay-voi-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]777. 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