{"id":29869,"date":"2015-10-09T16:19:13","date_gmt":"2015-10-09T09:19:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29869"},"modified":"2022-06-24T16:21:06","modified_gmt":"2022-06-24T09:21:06","slug":"795-hinh-su-hoa-toi-pham-ngan-hang-can-bo-tin-dung-nhu-ca-nam-tren-thot","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/795-hinh-su-hoa-toi-pham-ngan-hang-can-bo-tin-dung-nhu-ca-nam-tren-thot\/","title":{"rendered":"795. H\u00ecnh s\u1ef1 h\u00f3a t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng: C\u00e1n b\u1ed9 t\u00edn d\u1ee5ng nh\u01b0 “c\u00e1 n\u1eb1m tr\u00ean th\u1edbt”?"},"content":{"rendered":"(\u0110T) – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng cho r\u1eb1ng, kinh doanh ng\u00e2n h\u00e0ng lu\u00f4n ti\u1ec1m \u1ea9n r\u1ee7i ro, song n\u1ebfu c\u1ee9 \u0111\u1ec3 x\u1ea3y ra m\u1ea5t ti\u1ec1n \u0111\u1ed3ng ngh\u0129a v\u1edbi nguy c\u01a1 c\u00f3 t\u1ed9i th\u00ec c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng kh\u00f4ng kh\u00e1c n\u00e0o “c\u00e1 n\u1eb1m tr\u00ean th\u1edbt”.<\/em><\/strong><\/p>\n\n\n\n\n
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Gi\u1edbi\u00a0ng\u00e2n h\u00e0ng\u00a0“ng\u00e1n” B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

R\u1ea5t nhi\u1ec1u v\u1ee5\u00a0\u0111\u1ea1i \u00e1n\u00a0\u0111\u01b0\u1ee3c x\u00e9t x\u1eed 2 n\u0103m qua \u0111\u1ec1u li\u00ean quan \u0111\u1ebfn t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng. Vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng khi\u1ebfn gi\u1edbi ng\u00e2n h\u00e0ng lo l\u1eafng v\u00e0 nhi\u1ec1u \u00fd ki\u1ebfn \u0111\u1ec1 ngh\u1ecb b\u00e3i b\u1ecf nhi\u1ec1u t\u1ed9i danh li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng trong d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1\u00a0 s\u1eeda \u0111\u1ed5i, d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i xem x\u00e9t th\u00f4ng qua t\u1ea1i k\u1ef3 h\u1ecdp s\u1eafp di\u1ec5n ra.<\/p>\n

Gi\u1edbi ng\u00e2n h\u00e0ng mu\u1ed1n b\u1ecf t\u1ed9i h\u00ecnh s\u1ef1, t\u0103ng m\u1ee9c ph\u1ea1t h\u00e0nh ch\u00ednh<\/strong><\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng, c\u00f3 \u0111\u1ebfn h\u01a1n 70% t\u1ed9i ph\u1ea1m\u00a0kinh t\u1ebf\u00a0li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng, trong \u0111\u00f3, c\u00f3 nhi\u1ec1u t\u1ed9i danh kh\u00f4ng h\u1ee3p l\u00fd nh\u01b0 t\u1ed9i cho vay n\u1eb7ng l\u00e3i, t\u1ed9i \u0111\u1ea7u c\u01a1.<\/em><\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c l\u1eadp lu\u1eadn, l\u00e3i su\u1ea5t cho vay l\u00e0 m\u1ed9t lo\u1ea1i gi\u00e1 c\u1ea3 h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c t\u1ef1 do kinh doanh v\u00e0 do th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh. L\u00e3i su\u1ea5t cao hay th\u1ea5p l\u00e0 do hai b\u00ean th\u1ecfa thu\u1eadn t\u1ef1 nguy\u1ec7n, thu\u1eadn mua, v\u1eeba b\u00e1n. V\u00ec v\u1eady, kh\u00f4ng c\u00f3 l\u00fd do g\u00ec \u0111\u1ec3 duy tr\u00ec t\u1ed9i l\u00e3i su\u1ea5t cao trong B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1. Ch\u1ec9 khi n\u00e0o cho vay tr\u00e1i lu\u1eadt, c\u00f9ng v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 l\u1eeba \u0111\u1ea3o, gian d\u1ed1i, c\u01b0\u1ee1ng b\u1ee9c, \u00e9p bu\u1ed9c, b\u00f3c l\u1ed9t\u2026 th\u00ec m\u1edbi c\u1ea7n thi\u1ebft x\u1eed t\u1ed9i. Tr\u00ean th\u1ef1c t\u1ebf, l\u00e3i su\u1ea5t cho vay hi\u1ec7n nay \u0111ang cao h\u01a1n quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1, song c\u0169ng hi\u1ec3n nhi\u00ean \u0111\u01b0\u1ee3c th\u1ecb tr\u01b0\u1eddng ch\u1ea5p nh\u1eadn.<\/em><\/p>\n

Ngo\u00e0i ra, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng cho r\u1eb1ng, n\u00ean b\u1ecf t\u1ed9i \u0111\u1ea7u c\u01a1, c\u00f2n t\u1ed9i l\u1eadp qu\u1ef9 tr\u00e1i ph\u00e9p ch\u1ec9 n\u00ean \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi\u00a0doanh nghi\u1ec7p\u00a0nh\u00e0 n\u01b0\u1edbc\u2026<\/em><\/p>\n

Ngo\u00e0i ra, v\u1edbi t\u1ed9i \u201cT\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u1ec1 qu\u1ea3n l\u00fd kinh t\u1ebf g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng\u201d (\u0110i\u1ec1u 165 BLHS 1999), Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, c\u00f3 r\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng b\u1ecb kh\u1edfi t\u1ed1 nh\u01b0ng 3 ng\u00e0y sau, ng\u00e2n h\u00e0ng \u0111\u00e3 thu h\u1ed3i \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n, kh\u00f4ng c\u00f2n h\u1eadu qu\u1ea3 nh\u01b0ng v\u1eabn c\u00f3 t\u1ed9i, v\u1eabn b\u1ecb \u0111\u01b0a ra x\u00e9t x\u1eed. Do \u0111\u00f3, n\u00ean quy \u0111\u1ecbnh, khi \u0111\u00e3 kh\u1eafc ph\u1ee5c h\u1eadu qu\u1ea3 th\u00ec c\u1ea7n lo\u1ea1i b\u1ecf, mi\u1ec5n h\u00ecnh ph\u1ea1t \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vi ph\u1ea1m.<\/em><\/p>\n

M\u1ed9t b\u1ea5t c\u1eadp n\u1eefa c\u1ee7a d\u1ef1 th\u1ea3o B\u1ed9 Lu\u1eadt h\u00ecnh s\u1ef1 s\u1eeda \u0111\u1ed5i, theo gi\u1edbi ng\u00e2n h\u00e0ng l\u00e0 thi\u1ebfu r\u00f5 r\u00e0ng v\u00e0 s\u1ef1 ch\u00eanh l\u1ec7ch qu\u00e1 xa v\u1ec1 m\u1ee9c x\u1eed ph\u1ea1t \u0111\u1ed1i v\u1edbi t\u1ed9i danh “th\u1ef1c hi\u1ec7n h\u00e0nh vi g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng”. C\u1ee5 th\u1ec3, \u0110i\u1ec1u 210 trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh: “Ng\u01b0\u1eddi n\u00e0o trong ho\u1ea1t \u0111\u1ed9ng NH m\u00e0 c\u1ed1 \u00fd th\u1ef1c hi\u1ec7n m\u1ed9t trong c\u00e1c h\u00e0nh vi sau \u0111\u00e2y g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng, th\u00ec b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 50.000.000 \u0111\u1ed3ng \u0111\u1ebfn 500.000.000 \u0111\u1ed3ng ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 03 n\u0103m \u0111\u1ebfn 07 n\u0103m\u201d.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ea1i di\u1ec7n NHNN cho r\u1eb1ng, c\u1ea7n ph\u1ea3i quy \u0111\u1ecbnh r\u00f5 \u201ch\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng\u201d l\u00e0 nh\u01b0 th\u1ebf n\u00e0o. Th\u1ef1c t\u1ebf, m\u1ee9c ph\u1ea1t ti\u1ec1n t\u1eeb 50-500 tri\u1ec7u \u0111\u1ed3ng tho\u1ea1t nh\u00ecn c\u00f3 v\u1ebb \u201cto\u201d, nh\u01b0ng \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 b\u0103ng, th\u00ec con s\u1ed1 n\u00e0y v\u1eabn nh\u1ecf. B\u1edfi v\u1eady, NHNN \u0111\u1ec1 ngh\u1ecb n\u00e2ng cao m\u1ee9c x\u1eed ph\u1ea1t l\u00ean \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh r\u0103n \u0111e. \u201cM\u1ee9c ph\u1ea1t ti\u1ec1n t\u1ed1i thi\u1ec3u trong h\u00ecnh s\u1ef1 ph\u1ea3i cao h\u01a1n m\u1ee9c ph\u1ea1t ti\u1ec1n trong x\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh\u201d, NHNN nh\u1ea5n m\u1ea1nh.<\/p>\n

\u0110\u1ec1 c\u1eadp kh\u00eda c\u1ea1nh kh\u00e1c, b\u00e0 Tr\u1ea7n H\u1ed3ng H\u1ea1nh- T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i ng\u00e2n h\u00e0ng cho r\u1eb1ng, khung h\u00ecnh ph\u1ea1t ti\u1ec1n t\u1eeb 50 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn 500 tri\u1ec7u \u0111\u1ed3ng, ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 1 n\u0103m \u0111\u1ebfn 7 n\u0103m l\u00e0 kho\u1ea3ng c\u00e1ch kh\u00e1 xa, d\u1ec5 d\u1eabn \u0111\u1ebfn r\u1ee7i ro, tham nh\u0169ng.<\/p>\n

C\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u0111\u1ed1i m\u1eb7t nhi\u1ec1u h\u1ec7 l\u1ee5y?<\/strong><\/p>\n

Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, nhi\u1ec1u l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng \u0111\u00e3 b\u1ecb b\u1eaft \u0111i\u1ec1u tra, b\u1ecb x\u00e9t x\u1eed, ph\u1ea1t t\u00f9… do nh\u1eefng vi ph\u1ea1m trong qu\u00e1 tr\u00ecnh qu\u1ea3n l\u00fd. Nhi\u1ec1u l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng lo ng\u1ea1i, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng s\u1ebd g\u00e2y ra nhi\u1ec1u h\u1ec7 l\u1ee5y.<\/p>\n

B\u00e0 Nguy\u1ec5n Th\u1ecb H\u01b0\u01a1ng – V\u1ee5 Ph\u00e1p ch\u1ebf (NHNN) cho r\u1eb1ng c\u1ea7n b\u1ecf \u0111i\u1ec3m e Kho\u1ea3n 1- \u0110i\u1ec1u 210 c\u1ee7a d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 v\u1ec1 \u201cH\u00e0nh vi kh\u00e1c vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d. B\u1edfi v\u1edbi c\u00e1c c\u1ea5u th\u00e0nh t\u1ed9i ph\u1ea1m kh\u00f4ng r\u00f5 r\u00e0ng, chung chung nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m e kho\u1ea3n 1 \u0110i\u1ec1u 210 s\u1ebd d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 d\u00e2n s\u1ef1, kinh t\u1ebf; d\u1ec5 \u201ch\u00ecnh s\u1ef1 h\u00f3a\u201d c\u1ea3 nh\u1eefng h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt trong ho\u1ea1t \u0111\u1ed9ng, nh\u01b0ng m\u1ee9c \u0111\u1ed9 nghi\u00eam tr\u1ecdng kh\u00f4ng cao, kh\u00f4ng \u0111\u1ebfn m\u1ee9c x\u1eed l\u00fd h\u00ecnh s\u1ef1.<\/p>\n

N\u00f3i c\u00e1ch kh\u00e1c, Vi\u1ec7c quy \u0111\u1ecbnh chung chung nh\u01b0 v\u1eady s\u1ebd t\u1ea1o ra \u201ckho\u1ea3ng tr\u1ed1ng\u201d ph\u00e1p lu\u1eadt trong qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tra, truy t\u1ed1, x\u00e9t x\u1eed, khi\u1ebfn c\u00e1n b\u1ed9 NH c\u00f3 th\u1ec3 b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 ngay c\u1ea3 sai ph\u1ea1m nh\u1ecf. Vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a c\u00e1c quan h\u1ec7 n\u00e0y s\u1ebd \u0111\u1ec3 l\u1ea1i c\u00e1c h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng \u0111\u1ed1i v\u1edbi kh\u00f4ng ch\u1ec9 c\u00e1 nh\u00e2n ng\u01b0\u1eddi b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 m\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ea3 n\u1ec1n kinh t\u1ebf v\u00e0 \u0111\u1eddi s\u1ed1ng x\u00e3 h\u1ed9i c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc.<\/p>\n

\u201cTh\u1ee9 nh\u1ea5t, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 cho vay khi\u1ebfn c\u00e1c c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng e ng\u1ea1i khi m\u1edf r\u1ed9ng cho vay, m\u1ed9t m\u1eb7t h\u1ea1n ch\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, m\u1eb7t kh\u00e1c khi\u1ebfn ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p kh\u00f3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n ng\u00e2n h\u00e0ng. Th\u1ee9 hai,vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng c\u0169ng l\u00e0 m\u1ed9t trong c\u00e1c nguy\u00ean nh\u00e2n c\u1ea3n tr\u1edf vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00ec c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng lo ng\u1ea1i tr\u01b0\u1edbc nguy c\u01a1 b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1. Th\u1ee9 ba, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng n\u00f3i ri\u00eang v\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1 n\u00f3i chung s\u1ebd x\u00e2m h\u1ea1i tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ec1n, l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi c\u00f3 h\u00e0nh vi b\u1ecb h\u00ecnh s\u1ef1 h\u00f3a. Th\u1ee9 t\u01b0, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng n\u00f3i ri\u00eang v\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1 n\u00f3i chung s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng x\u1ea5u \u0111\u1ebfn m\u00f4i tr\u01b0\u1eddng\u00a0\u0111\u1ea7u t\u01b0, kinh doanh. Th\u1ee9 n\u0103m, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng n\u00f3i ri\u00eang v\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1 n\u00f3i chung s\u1ebd l\u00e0m gi\u1ea3m l\u00f2ng tin c\u1ee7a nh\u00e2n d\u00e2n v\u00e0o Nh\u00e0 n\u01b0\u1edbc v\u00e0 ph\u00e1p lu\u1eadt b\u1edfi, th\u1ef1c ch\u1ea5t \u201ch\u00ecnh s\u1ef1 ho\u00e1\u201d l\u00e0 vi\u1ec7c l\u00e0m oan, sai ng\u01b0\u1eddi v\u00f4 t\u1ed9i. \u0110i\u1ec1u n\u00e0y s\u1ebd d\u1eabn \u0111\u1ebfn nh\u1eefng b\u1ea5t \u1ed5n trong \u0111\u1eddi s\u1ed1ng ch\u00ednh tr\u1ecb, x\u00e3 h\u1ed9i\u201d, b\u00e0 H\u01b0\u01a1ng ph\u00e2n t\u00edch.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng cho r\u1eb1ng, kinh doanh lu\u00f4n g\u1eafn v\u1edbi r\u1ee7i ro, nh\u1ea5t l\u00e0 kinh doanh ng\u00e2n h\u00e0ng. Th\u1ebf nh\u01b0ng, r\u1ea5t phi l\u00fd n\u1ebfu c\u1ee9 r\u1ee7i ro m\u1ea5t ti\u1ec1n l\u00e0 \u0111\u1ed3ng ngh\u0129a v\u1edbi nguy c\u01a1 c\u00f3 t\u1ed9i.<\/em><\/p>\n

“Th\u1eed h\u1ecfi c\u00f2n g\u00ec v\u00f4 l\u00fd v\u00e0 nguy hi\u1ec3m h\u01a1n, khi x\u1eed l\u00fd hai kho\u1ea3n vay y chang nhau, c\u1ea3 \u00fd ch\u00ed v\u00e0 h\u00e0nh vi \u0111\u1ec1u gi\u1ed1ng nhau, nh\u01b0ng h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd th\u00ec l\u1ea1i c\u00f3 th\u1ec3 kh\u00e1c nhau m\u1ed9t tr\u1eddi, m\u1ed9t v\u1ef1c. N\u1ebfu ng\u01b0\u1eddi vay tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 t\u1ed9i, th\u1eadm ch\u00ed c\u00f2n c\u00f3 c\u00f4ng. Nh\u01b0ng n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, d\u00f9 l\u00e0 nguy\u00ean nh\u00e2n ch\u1ee7 quan hay kh\u00e1ch quan, th\u00ec t\u1ef1 d\u01b0ng c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng tr\u1edf th\u00e0nh t\u1ed9i ph\u1ea1m, v\u00ec c\u00f3 h\u1eadu qu\u1ea3 l\u00e0 \u0111\u00e3 m\u1ea5t, th\u1eadm ch\u00ed m\u1edbi ch\u1ec9 l\u00e0 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n. V\u1eady th\u00ec c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng kh\u00e1c n\u00e0o nh\u01b0 c\u00e1 n\u1eb1m tr\u00ean th\u1edbt, nh\u01b0 t\u00f9 nh\u00e2n d\u1ef1 b\u1ecb? Ai d\u00e1m kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng m\u00ecnh kh\u00f4ng ph\u1ea1m t\u1ed9i, n\u1ebfu ch\u01b0a thu h\u1ed3i \u0111\u01b0\u1ee3c v\u1ed1n vay? L\u00e0m sao c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng d\u00e1m m\u1ea1nh d\u1ea1n cho vay, v\u00e0 ng\u00e2n d\u00e1m ch\u1ea5p nh\u1eadn r\u1ee7i ro trong kinh doanh. H\u1ed3 s\u01a1 cho d\u00f9 \u0111\u00fang t\u1edbi 99%, nh\u01b0ng ch\u1ec9 c\u1ea7n 1% sai s\u00f3t l\u00e0 \u0111\u00e3 c\u00f3 th\u1ec3 th\u00e0nh t\u1ed9i ph\u1ea1m. \u0110\u00e2y l\u00e0 c\u00e2u th\u1ef1c t\u1ebf nh\u1ee9c nh\u1ed1i. T\u00f4i cho r\u1eb1ng, c\u1ea7n ph\u1ea3i x\u1eed l\u00fd kh\u00e1ch quan h\u01a1n, t\u1eadp trung v\u00e0o tr\u1eebng tr\u1ecb k\u1ebb tr\u1ed9m c\u1eafp thay v\u00ec c\u1ee9 b\u1eaft l\u1ed7i ng\u01b0\u1eddi m\u1ea5t tr\u1ed9m\u201d- LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u1ec1 ngh\u1ecb.<\/em><\/p>\n

Tr\u01b0\u1edbc b\u0103n kho\u0103n c\u1ee7a gi\u1edbi ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn xu h\u01b0\u1edbng h\u00ecnh s\u1ef1 h\u00f3a t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng, m\u1ed9t th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng t\u01b0 v\u1ea5n ch\u00ednh s\u00e1ch\u00a0T\u00e0i ch\u00ednh\u00a0– Ti\u1ec1n t\u1ec7 qu\u1ed1c gia cho r\u1eb1ng, vi\u1ec7c t\u0103ng h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng l\u00e0 kh\u00f4ng n\u00ean. Tuy nhi\u00ean, c\u0169ng c\u1ea7n ph\u1ea3i c\u00f3 quy \u0111\u1ecbnh nghi\u00eam kh\u1eafc v\u1edbi t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng, b\u1edfi \u0111\u00e2y l\u00e0 l\u0129nh v\u1ef1c d\u1ec5 x\u1ea3y ra r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c.<\/p>\n

————————————-<\/p>\n

\u0110\u1ea7u t\u01b0 (Ng\u00e2n h\u00e0ng) 09-10-2015:<\/em><\/strong><\/p>\n

http:\/\/baodautu.vn\/can-bo-tin-dung-nhu-ca-nam-tren-thot-d33850.html<\/a><\/em><\/p>\n

(607\/1.517)","protected":false},"excerpt":{"rendered":"

(\u0110T) – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng cho r\u1eb1ng, kinh doanh ng\u00e2n h\u00e0ng lu\u00f4n ti\u1ec1m \u1ea9n r\u1ee7i ro, song n\u1ebfu c\u1ee9 \u0111\u1ec3 x\u1ea3y ra m\u1ea5t ti\u1ec1n \u0111\u1ed3ng ngh\u0129a v\u1edbi nguy c\u01a1 c\u00f3 t\u1ed9i th\u00ec c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng kh\u00f4ng kh\u00e1c n\u00e0o “c\u00e1 n\u1eb1m tr\u00ean th\u1edbt”. Gi\u1edbi\u00a0ng\u00e2n h\u00e0ng\u00a0“ng\u00e1n” B\u1ed9 […]<\/p>\n","protected":false},"author":3,"featured_media":29870,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n795. H\u00ecnh s\u1ef1 h\u00f3a t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng: C\u00e1n b\u1ed9 t\u00edn d\u1ee5ng nh\u01b0 "c\u00e1 n\u1eb1m tr\u00ean th\u1edbt"? - 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\/795-hinh-su-hoa-toi-pham-ngan-hang-can-bo-tin-dung-nhu-ca-nam-tren-thot\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]795. H\u00ecnh s\u1ef1 h\u00f3a t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng: C\u00e1n b\u1ed9 t\u00edn d\u1ee5ng nh\u01b0 "c\u00e1 n\u1eb1m tr\u00ean th\u1edbt"?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110T) – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng cho r\u1eb1ng, kinh doanh ng\u00e2n h\u00e0ng lu\u00f4n ti\u1ec1m \u1ea9n r\u1ee7i ro, song n\u1ebfu c\u1ee9 \u0111\u1ec3 x\u1ea3y ra m\u1ea5t ti\u1ec1n \u0111\u1ed3ng ngh\u0129a v\u1edbi nguy c\u01a1 c\u00f3 t\u1ed9i th\u00ec c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng kh\u00f4ng kh\u00e1c n\u00e0o “c\u00e1 n\u1eb1m tr\u00ean th\u1edbt”. 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