{"id":30250,"date":"2017-09-28T11:02:11","date_gmt":"2017-09-28T04:02:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30250"},"modified":"2022-06-27T11:42:54","modified_gmt":"2022-06-27T04:42:54","slug":"1-556-cho-vay-khong-tai-san-dam-bao-cong-ty-tai-chinh-xu-ly-no-xau-bang-cach-nao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-556-cho-vay-khong-tai-san-dam-bao-cong-ty-tai-chinh-xu-ly-no-xau-bang-cach-nao\/","title":{"rendered":"1.556. Cho vay kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, c\u00f4ng ty t\u00e0i ch\u00ednh x\u1eed l\u00fd n\u1ee3 x\u1ea5u b\u1eb1ng c\u00e1ch n\u00e0o?"},"content":{"rendered":"<p class=\"sapo\"><strong>(CFF) &#8211; Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u01b0\u1eddng cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, v\u00ec v\u1eady kh\u00f4ng bao gi\u1edd tr\u00f4ng ch\u1edd v\u00e0o vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/strong><\/p>\n<p><em><img loading=\"lazy\" decoding=\"async\" class=\"\" title=\"Cho vay kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, c\u00f4ng ty t\u00e0i ch\u00ednh x\u1eed l\u00fd n\u1ee3 x\u1ea5u b\u1eb1ng c\u00e1ch n\u00e0o?\" src=\"https:\/\/cafefcdn.com\/thumb_w\/650\/2017\/ktr-0332-1506521636989.jpg\" alt=\"Cho vay kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, c\u00f4ng ty t\u00e0i ch\u00ednh x\u1eed l\u00fd n\u1ee3 x\u1ea5u b\u1eb1ng c\u00e1ch n\u00e0o?\" width=\"697\" height=\"464\" \/><\/em><\/p>\n<div class=\"avatar-des\"><em>Giao l\u01b0u tr\u1ef1c tuy\u1ebfn v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng do CafeF ph\u1ed1i h\u1ee3p b\u00e1o Tr\u00ed th\u1ee9c tr\u1ebb t\u1ed5 ch\u1ee9c chi\u1ec1u 27\/9<\/em><\/div>\n<div>\n<p>N\u1ee3 x\u1ea5u l\u00e0 thu\u1eadt ng\u1eef tr\u1edf n\u00ean quen thu\u1ed9c kh\u00f4ng ch\u1ec9 v\u1edbi nh\u1eefng ng\u01b0\u1eddi trong ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng m\u00e0 \u0111ang l\u00e0 t\u1eeb kh\u00f3a &#8220;n\u00f3ng&#8221; v\u1edbi to\u00e0n x\u00e3 h\u1ed9i, \u0111\u01b0\u1ee3c b\u00e0n \u0111\u1ebfn \u1edf kh\u1eafp m\u1ecdi n\u01a1i, t\u1eeb ngh\u1ecb tr\u01b0\u1eddng Qu\u1ed1c h\u1ed9i, tr\u00ean b\u00e0n Ch\u00ednh ph\u1ee7 cho \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p, tr\u01b0\u1eddng h\u1ecdc, v\u00e0 th\u1eadm ch\u00ed l\u00e0 \u1edf tr\u00ean \u0111\u01b0\u1eddng ph\u1ed1, ngo\u00e0i ch\u1ee3, qu\u00e1n tr\u00e0 \u0111\u00e1 v\u1ec9a h\u00e8&#8230;b\u1edfi n\u1ee3 x\u1ea5u \u0111ang g\u00e2y ra nhi\u1ec1u v\u1ea5n \u0111\u1ec1, h\u1ec7 l\u1ee5y v\u1edbi n\u1ec1n kinh t\u1ebf v\u00e0 x\u00e3 h\u1ed9i.<\/p>\n<p>Ri\u00eang v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng t\u00e0i ch\u00ednh, n\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c \u01b0\u1edbc t\u00ednh v\u00e0o kho\u1ea3ng 600 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng (bao g\u1ed3m c\u1ea3 n\u1ee3 \u0111\u00e3 b\u00e1n cho VAMC, n\u1ee3 ti\u1ec1m \u1ea9n) v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf \u0111ang ph\u1ea3i t\u1eadp trung n\u1ed7 l\u1ef1c nh\u1eb1m th\u00e1o g\u1ee1 \u0111\u1ed1ng n\u1ee3 x\u1ea5u \u1ea5y \u0111\u1ec3 kh\u01a1i th\u00f4ng d\u00f2ng v\u1ed1n.<\/p>\n<p>\u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, n\u1ee3 x\u1ea5u ph\u1ea7n nhi\u1ec1u l\u00e0 c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u00ean c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 x\u1eed l\u00fd, \u0111\u1eb7c bi\u1ec7t l\u00e0 m\u1edbi \u0111\u00e2y Ch\u00ednh ph\u1ee7 \u0111\u00e3 c\u00f3 Ngh\u1ecb quy\u1ebft s\u1ed1 42 gi\u00fap v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c di\u1ec5n ra nhanh ch\u00f3ng h\u01a1n. Tuy nhi\u00ean v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, r\u01a1i nhi\u1ec1u v\u00e0o c\u00f4ng ty t\u00e0i ch\u00ednh v\u00ec 100% kho\u1ea3n vay c\u1ee7a h\u1ecd l\u00e0 t\u00edn ch\u1ea5p, th\u00ec vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u di\u1ec5n ra th\u1ebf n\u00e0o?<\/p>\n<p>Chia s\u1ebb t\u1ea1i bu\u1ed5i giao l\u01b0u tr\u1ef1c tuy\u1ebfn &#8220;Hi\u1ec3u \u0111\u00fang v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n kinh t\u1ebf x\u00e3 h\u1ed9i&#8221; do CafeF ph\u1ed1i h\u1ee3p B\u00e1o Tr\u00ed th\u1ee9c tr\u1ebb t\u1ed5 ch\u1ee9c chi\u1ec1u ng\u00e0y 27\/9, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u01b0\u1eddng cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, v\u00ec v\u1eady kh\u00f4ng bao gi\u1edd tr\u00f4ng ch\u1edd v\u00e0o vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. H\u1ecd ph\u1ea3i t\u00ednh to\u00e1n thu h\u1ed3i v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u b\u1eb1ng c\u00e1ch kh\u00e1c, nh\u01b0 t\u0103ng c\u01b0\u1eddng \u0111\u00f4n \u0111\u1ed1c tr\u1ea3 n\u1ee3 v\u00e0 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro. Ngo\u00e0i ra c\u00f2n ph\u1ea3i thu\u00ea d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 v\u00e0 ph\u1ea3i chi ph\u00ed \u0111\u00e1ng k\u1ec3 cho ho\u1ea1t \u0111\u1ed9ng \u0111\u00f2i n\u1ee3.<\/p>\n<p>V\u00e0 LS. \u0110\u1ee9c cho bi\u1ebft nh\u1eefng chi ph\u00ed cho \u0111\u00f2i n\u1ee3 l\u00e0 m\u1ed9t trong nh\u1eefng l\u00fd do quan tr\u1ecdng d\u1eabn \u0111\u1ebfn vi\u1ec7c cho vay l\u00e3i su\u1ea5t cao \u0111\u1ec3 b\u00f9 \u0111\u1eafp cho nhi\u1ec1u kho\u1ea3n n\u1ee3 kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c. Tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng n\u1eb1m trong d\u1ea3i t\u1eeb 20-50%.<\/p>\n<\/div>\n<div>L\u00e3i su\u1ea5t cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cao nh\u01b0ng theo Lu\u1eadt s\u01b0, \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng sai. Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 9 v\u1ec1 \u201cL\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng\u201d, Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN th\u00ec C\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i d\u1ef1a v\u00e0o c\u1ee5 th\u1ec3 c\u00e1c y\u1ebfu t\u1ed1, nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n x\u00e1c \u0111\u1ecbnh khung l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng (l\u00e3i su\u1ea5t cao nh\u1ea5t v\u00e0 th\u1ea5p nh\u1ea5t \u0111\u1ed1i v\u1edbi t\u1eebng s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng), c\u00e1c y\u1ebfu t\u1ed1 v\u1ec1 chi ph\u00ed v\u1ed1n, chi ph\u00ed r\u1ee7i ro, l\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n, l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng v\u00e0 b\u1ea3o \u0111\u1ea3m b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c c\u00e1c chi ph\u00ed, r\u1ee7i ro li\u00ean quan, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh.<\/div>\n<div>\n<p><strong>Ng\u1ecdc To\u00e0n<\/strong><\/p>\n<p><em>Theo Tr\u00ed th\u1ee9c tr\u1ebb<\/em><\/p>\n<\/div>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>CafeF (Ng\u00e2n h\u00e0ng) 28-9-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/cafef.vn\/cho-vay-khong-tai-san-dam-bao-cong-ty-tai-chinh-xu-ly-no-xau-bang-cach-nao-20170928085215413.chn\">http:\/\/cafef.vn\/cho-vay-khong-tai-san-dam-bao-cong-ty-tai-chinh-xu-ly-no-xau-bang-cach-nao-20170928085215413.chn<\/a><\/em><\/p>\n<p><em>(304\/623)<\/em>","protected":false},"excerpt":{"rendered":"<p>(CFF) &#8211; Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u01b0\u1eddng cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, v\u00ec v\u1eady kh\u00f4ng bao gi\u1edd tr\u00f4ng ch\u1edd v\u00e0o vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Giao l\u01b0u tr\u1ef1c tuy\u1ebfn v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng do CafeF ph\u1ed1i h\u1ee3p b\u00e1o Tr\u00ed th\u1ee9c [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":30286,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.556. Cho vay kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, c\u00f4ng ty t\u00e0i ch\u00ednh x\u1eed l\u00fd n\u1ee3 x\u1ea5u b\u1eb1ng c\u00e1ch n\u00e0o? - 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\/1-556-cho-vay-khong-tai-san-dam-bao-cong-ty-tai-chinh-xu-ly-no-xau-bang-cach-nao\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.556. 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