{"id":30179,"date":"2016-12-20T10:24:39","date_gmt":"2016-12-20T03:24:39","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30179"},"modified":"2022-06-27T10:28:32","modified_gmt":"2022-06-27T03:28:32","slug":"1-160-lung-tung-tran-lai-suat-cho-vay-hieu-sao-cho-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-160-lung-tung-tran-lai-suat-cho-vay-hieu-sao-cho-dung\/","title":{"rendered":"1.161. L\u00fang t\u00fang tr\u1ea7n l\u00e3i su\u1ea5t cho vay: Hi\u1ec3u sao cho \u0111\u00fang?"},"content":{"rendered":"(VNN) – <\/strong>Ch\u1ec9 c\u00f2n ch\u01b0a \u0111\u1ea7y 1 th\u00e1ng n\u1eefa l\u00e0 quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho vay trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. M\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t 20% \u0111\u01b0\u1ee3c \u0111\u01b0a ra nh\u1eb1m h\u01b0\u1edbng t\u1edbi h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en, cho vay n\u1eb7ng l\u00e3i trong d\u00e2n c\u01b0, tuy nhi\u00ean, \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a quy \u0111\u1ecbnh n\u00e0y hi\u1ec7n v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3, khi\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh s\u1ebd b\u1ecb x\u00e1o \u0111\u1ed9ng.<\/strong><\/p>\n

\"\"<\/p>\n

Th\u1ecb tr\u01b0\u1eddng nghe ng\u00f3ng trong lo l\u1eafng<\/strong><\/p>\n

M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng, m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ecdi ch\u1ee7 th\u1ec3 t\u1eeb ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) vi m\u00f4, h\u1ee3p t\u00e1c x\u00e3\u2026 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cho t\u1edbi c\u00e1c kho\u1ea3n vay d\u00e2n s\u1ef1 b\u00ean ngo\u00e0i.<\/p>\n

Tuy nhi\u00ean, d\u01b0\u1edbi g\u00f3c \u0111\u1ed9 chuy\u00ean m\u00f4n, gi\u1edbi chuy\u00ean gia l\u1ea1i kh\u1eb3ng \u0111\u1ecbnh: Quy \u0111\u1ecbnh n\u00eau trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 ch\u1ee7 y\u1ebfu ch\u1ec9 quy \u0111\u1ecbnh cho c\u00e1c kho\u1ea3n vay d\u00e2n s\u1ef1 b\u00ean ngo\u00e0i h\u1ec7 th\u1ed1ng TCTD.<\/p>\n

Chia s\u1ebb v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia h\u00e0ng \u0111\u1ea7u trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng cho r\u1eb1ng, n\u1ebfu tr\u1ea7n l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng chung cho c\u1ea3 \u0111\u1ed1i t\u01b0\u1ee3ng l\u00e0 c\u00e1c TCTD th\u00ec s\u1ebd t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty cho vay ti\u00eau d\u00f9ng, b\u1edfi l\u00e3i su\u1ea5t c\u1ee7a h\u1ecd ph\u1ea3i \u1edf m\u1ee9c cao h\u01a1n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, nh\u01b0 v\u1eady m\u1edbi \u0111\u1ee7 b\u00f9 \u0111\u1eafp r\u1ee7i ro. V\u00ec v\u1eady, theo \u00f4ng hi\u1ec3u, quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t t\u1ea1i \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay d\u00e2n s\u1ef1 b\u00ean ngo\u00e0i h\u1ec7 th\u1ed1ng c\u00e1c TCTD.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00f9ng chung quan \u0111i\u1ec3m, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0<\/em>c\u0169ng cho r\u1eb1ng, c\u00e2u t\u1eeb trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 tho\u1ea1t ngh\u0129 s\u1ebd khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi hi\u1ec3u l\u00e0 m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t 20% s\u1ebd \u00e1p d\u1ee5ng chung cho c\u1ea3 h\u1ec7 th\u1ed1ng TCTD l\u1eabn quan h\u1ec7 vay m\u01b0\u1ee3n trong d\u00e2n. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf l\u1ea1i kh\u00f4ng ph\u1ea3i nh\u01b0 v\u1eady. V\u1edbi \u0111i\u1ec1u kho\u1ea3n \u201clo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 \u0111\u00e3 m\u1edf \u201cl\u1ed1i \u0111i\u201d ri\u00eang v\u00e0 cho ph\u00e9p TCTD \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng theo lu\u1eadt chuy\u00ean ng\u00e0nh. C\u00e1c quy \u0111\u1ecbnh trong lu\u1eadt \u0111\u00f4i khi v\u1eabn c\u00f3 nhi\u1ec1u c\u00e1ch hi\u1ec3u kh\u00e1c nhau nh\u01b0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh l\u00e0 \u00e1p v\u1edbi c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng nh\u01b0ng th\u1ef1c t\u1ebf l\u1ea1i kh\u00f4ng \u00e1p d\u1ee5ng.<\/em><\/p>\n

\u201cN\u1ebfu ch\u00fang ta hi\u1ec3u m\u00e1y m\u00f3c m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t 20% \u00e1p d\u1ee5ng lu\u00f4n cho c\u1ea3 c\u00e1c TCTD, th\u00ec s\u1ebd l\u00e0 l\u00e0m ph\u01b0\u01a1ng h\u1ea1i \u0111\u1ebfn s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 s\u1ebd l\u00e0m cho vi\u1ec7c ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh trong n\u1ec1n kinh t\u1ebf b\u1ecb m\u00e9o m\u00f3\u201d, \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng (Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) chia s\u1ebb.<\/p>\n

Nguy c\u01a1 lu\u1eadt ch\u1ed3ng lu\u1eadt<\/strong><\/p>\n

Theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u201clu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d. Trong khi, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010 l\u1ea1i cho TCTD quy\u1ec1n tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t nh\u01b0ng ph\u1ea3i \u201ctheo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d. Ch\u00ednh c\u00e1c c\u1ee5m t\u1eeb tr\u00ean \u0111ang khi\u1ebfn th\u1ecb tr\u01b0\u1eddng hoang mang, kh\u00f4ng r\u00f5 m\u00ecnh ph\u1ea3i th\u1ef1c thi theo lu\u1eadt n\u00e0o.<\/p>\n

Theo b\u00e0 V\u01b0\u01a1ng Thu\u1ef7 Ti\u00ean, th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Th\u00e0nh vi\u00ean C\u00f4ng ty T\u00e0i ch\u00ednh Home Credit Vi\u1ec7t Nam, ph\u00e1p lu\u1eadt bao h\u00e0m ngh\u0129a r\u1ea5t r\u1ed9ng, kh\u00f4ng ch\u1ec9 lu\u1eadt m\u00e0 c\u00f2n l\u00e0 v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt n\u1eefa n\u00ean nhi\u1ec1u ng\u01b0\u1eddi ch\u01b0a th\u1ef1c s\u1ef1 hi\u1ec3u m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng. Tr\u00ean th\u1ef1c t\u1ebf, khi gi\u1ea3i quy\u1ebft tranh ch\u1ea5p, vi\u1ec7c \u00e1p d\u1ee5ng lu\u1eadt t\u1ea1i m\u1ed9t s\u1ed1 to\u00e0 c\u00f2n ch\u01b0a \u0111\u1ed3ng nh\u1ea5t v\u00e0 th\u01b0\u1eddng ch\u1ec9 s\u1eed d\u1ee5ng B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

\u201cVi\u1ec7c lu\u1eadt ch\u1ed3ng lu\u1eadt c\u00f3 th\u1ec3 d\u1eabn t\u1edbi nguy c\u01a1 l\u00e0 TCTD cho vay, sau nhi\u1ec1u n\u0103m, khi kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, ki\u1ec7n ra t\u00f2a v\u1edbi nh\u1eefng tranh ch\u1ea5p ph\u00e1t sinh, t\u00f2a \u00e1n c\u00f3 th\u1ec3 kh\u00f4ng ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t \u0111\u00e3 cho vay t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc. Kh\u00f4ng bi\u1ebft \u0111i\u1ec1u g\u00ec ch\u1eafc ch\u1eafn c\u00f3 th\u1ebf x\u1ea3y ra c\u1ea3\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, gi\u1edbi chuy\u00ean gia c\u0169ng cho r\u1eb1ng, n\u1ebfu kh\u1ed1ng ch\u1ebf tr\u1ea7n l\u00e3i su\u1ea5t th\u00ec s\u1ebd kh\u00f4ng th\u00fac \u0111\u1ea9y \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng. B\u1edfi \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a vay ti\u00eau d\u00f9ng ch\u1ee7 y\u1ebfu l\u00e0 ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, \u0111\u1ed9 r\u1ee7i ro cao n\u00ean l\u00e3i su\u1ea5t cho vay cao, hi\u1ec7n ph\u1ed5 bi\u1ebfn t\u1eeb 20-40%\/n\u0103m.<\/p>\n

\u201cN\u1ebfu kh\u1ed1ng ch\u1ebf tr\u1ea7n l\u00e3i su\u1ea5t s\u1ebd g\u00e2y r\u1ee7i ro, l\u00e0m m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng. H\u01a1n n\u1eefa, l\u1ea1i kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi xu h\u01b0\u1edbng h\u1ed9i nh\u1eadp m\u00e0 Vi\u1ec7t Nam \u0111ang theo \u0111u\u1ed5i th\u1eddi gian qua. Trong \u0111i\u1ec1u ki\u1ec7n \u0111\u1eb7c bi\u1ec7t, nh\u00e0 qu\u1ea3n l\u00fd c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 h\u00e0nh ch\u00ednh, tuy nhi\u00ean, vi\u1ec7c s\u1eed d\u1ee5ng ng\u00e0y c\u00e0ng nhi\u1ec1u bi\u1ec7n ph\u00e1p h\u00e0nh ch\u00ednh s\u1ebd c\u00e0ng g\u00e2y kh\u00f3 cho c\u1ea3 hai, c\u1ea3 b\u00ean cho vay l\u1eabn ng\u01b0\u1eddi \u0111i vay\u201d, TS. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia ng\u00e2n h\u00e0ng, chia s\u1ebb.<\/p>\n

V\u00ec th\u1ebf, \u0111\u1ec3 t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd th\u1ed1ng nh\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng cho vay, tr\u00e1nh t\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi d\u00e2n, t\u1ed5 ch\u1ee9c cho vay m\u01a1 h\u1ed3, kh\u00f4ng r\u00f5 ph\u1ea3i \u00e1p d\u1ee5ng lu\u1eadt n\u00e0o cho \u0111\u00fang, gi\u1edbi lu\u1eadt s\u01b0 cho r\u1eb1ng c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n \u0111\u01b0a ra m\u1ed9t c\u00e1ch gi\u1ea3i th\u00edch duy nh\u1ea5t.<\/p>\n

Theo lu\u1eadt s\u1ef1 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, khi v\u1ea5n \u0111\u1ec1 kh\u00f4ng r\u00f5 r\u00e0ng, \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i s\u1ebd l\u00e0 ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n ch\u00ednh th\u1ee9c gi\u1ea3i th\u00edch lu\u1eadt \u0111\u1ec3 cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng \u0111\u00fang lu\u1eadt, c\u00f9ng th\u1ed1ng nh\u1ea5t. V\u1ec1 l\u00e2u d\u00e0i, c\u1ea7n h\u01b0\u1edbng t\u1edbi t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t.<\/em><\/p>\n

Trong D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 v\u1ec1 cho vay ti\u00eau d\u00f9ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho ph\u00e9p c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t. \u0110\u00e2y l\u00e0 mong \u0111\u1ee3i c\u1ee7a c\u00e1c b\u00ean cho vay. Tuy nhi\u00ean, D\u1ef1 th\u1ea3o n\u00e0y v\u1eabn \u0111ang l\u1ea5y \u00fd ki\u1ebfn v\u00e0 ch\u01b0a bi\u1ebft khi n\u00e0o m\u1edbi \u0111\u01b0\u1ee3c ban h\u00e0nh.<\/p>\n

T\u00fa Mai<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n

Vietnamnet (T\u00e0i ch\u00ednh) 20-12-2016:<\/em><\/strong><\/p>\n

http:\/\/vietnamnet.vn\/vn\/kinh-doanh\/tai-chinh\/lung-tung-tran-lai-suat-cho-vay-hieu-sao-cho-dung-347391.html<\/em><\/a><\/p>\n

(269\/1.058)<\/em><\/p>\n

 ","protected":false},"excerpt":{"rendered":"

(VNN) – Ch\u1ec9 c\u00f2n ch\u01b0a \u0111\u1ea7y 1 th\u00e1ng n\u1eefa l\u00e0 quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho vay trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. M\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t 20% \u0111\u01b0\u1ee3c \u0111\u01b0a ra nh\u1eb1m h\u01b0\u1edbng t\u1edbi h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en, cho vay n\u1eb7ng l\u00e3i trong d\u00e2n c\u01b0, tuy nhi\u00ean, […]<\/p>\n","protected":false},"author":3,"featured_media":30181,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30179","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.161. L\u00fang t\u00fang tr\u1ea7n l\u00e3i su\u1ea5t cho vay: Hi\u1ec3u sao cho \u0111\u00fang? - 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\/vi\/1-160-lung-tung-tran-lai-suat-cho-vay-hieu-sao-cho-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.161. L\u00fang t\u00fang tr\u1ea7n l\u00e3i su\u1ea5t cho vay: Hi\u1ec3u sao cho \u0111\u00fang?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(VNN) – Ch\u1ec9 c\u00f2n ch\u01b0a \u0111\u1ea7y 1 th\u00e1ng n\u1eefa l\u00e0 quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho vay trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c. 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