{"id":30316,"date":"2014-11-21T14:55:36","date_gmt":"2014-11-21T07:55:36","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30316"},"modified":"2022-06-27T14:59:47","modified_gmt":"2022-06-27T07:59:47","slug":"615-tai-san-dam-bao-cai-kho-cua-dn-khi-vay-von","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/615-tai-san-dam-bao-cai-kho-cua-dn-khi-vay-von\/","title":{"rendered":"615. T\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o: C\u00e1i kh\u00f3 c\u1ee7a DN khi vay v\u1ed1n"},"content":{"rendered":"(HQ) – Theo th\u1ed1ng k\u00ea c\u1ee7a Hi\u1ec7p h\u1ed9i DN nh\u1ecf v\u00e0 v\u1eeba (DNNVV) Vi\u1ec7t Nam, hi\u1ec7n ch\u1ec9 c\u00f3 32,38% DNNVV cho bi\u1ebft c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u00e0 \u0111\u01b0\u1ee3c vay v\u1ed1n th\u01b0\u1eddng xuy\u00ean, 35,24% DN ph\u1ea3n \u00e1nh l\u00e0 kh\u00f3 ti\u1ebfp c\u1eadn, s\u1ed1 c\u00f2n l\u1ea1i kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn v\u1ed1n. Nguy\u00ean nh\u00e2n c\u1ee7a v\u1ea5n \u0111\u1ec1 tr\u00ean l\u00e0 DNNVV v\u1eabn \u0111ang thi\u1ebfu t\u00e0i s\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng tr\u1ea3 l\u1ea1i v\u1ed1n vay cho ng\u00e2n h\u00e0ng.<\/strong><\/p>\n

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DN ph\u1ea3i t\u1ea1o \u0111\u01b0\u1ee3c ni\u1ec1m tin cho ng\u00e2n h\u00e0ng khi vay v\u1ed1n. \u1ea2nh: H\u1eefu Linh<\/em><\/p>\n

T\u1eadp trung v\u00e0o t\u00edn ch\u1ea5p?<\/strong><\/p>\n

Theo \u00f4ng Ph\u1ea1m Ng\u1ecdc Long, Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Khoa h\u1ecdc qu\u1ea3n tr\u1ecb DNNVV (Hi\u1ec7p h\u1ed9i DNNVV Vi\u1ec7t Nam), c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng 500.000 DNNVV, chi\u1ebfm 97,5% t\u1ed5ng s\u1ed1 DN \u0111ang ho\u1ea1t \u0111\u1ed9ng th\u1ef1c t\u1ebf v\u1edbi t\u1ed5ng s\u1ed1 v\u1ed1n \u0111\u0103ng k\u00fd kho\u1ea3ng 121 t\u1ef7 USD, chi\u1ebfm 30% t\u1ed5ng v\u1ed1n \u0111\u0103ng k\u00fd c\u1ee7a DN. Tuy nhi\u00ean, c\u00e1c DNNVV \u0111ang \u1edf t\u00ecnh tr\u1ea1ng \u0111\u00f4ng nh\u01b0ng kh\u00f4ng m\u1ea1nh, n\u0103ng l\u1ef1c c\u1ea1nh tranh k\u00e9m, m\u00f4i tr\u01b0\u1eddng kinh doanh ch\u01b0a l\u00e0nh m\u1ea1nh, b\u00ecnh \u0111\u1eb3ng. C\u00e1c DN n\u00e0y s\u1ebd kh\u00f3 c\u00f3 th\u1ec3 t\u1ef1 l\u1edbn n\u1ebfu thi\u1ebfu s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

Ch\u00ednh v\u00ec th\u1ebf, t\u00ednh \u0111\u1ebfn h\u1ebft th\u00e1ng 6-2014, t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 khu v\u1ef1c DNNVV chi\u1ebfm 25% (896,808 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng so v\u1edbi 3,6 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng), t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00e0 2% so v\u1edbi \u0111\u1ea7u n\u0103m, g\u1ea7n 90% vay b\u1eb1ng n\u1ed9i t\u1ec7, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u lu\u00f4n \u1edf xu h\u01b0\u1edbng t\u0103ng l\u00ean (tr\u00ean 5%). Trong khi \u0111\u00f3 t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o l\u1ea1i t\u0103ng b\u00ecnh qu\u00e2n 7% su\u1ed1t 3 n\u0103m g\u1ea7n \u0111\u00e2y v\u00e0 t\u1ef7 tr\u1ecdng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 t\u0103ng \u0111\u00e1ng k\u1ec3. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m chung v\u1ec1 t\u00edn d\u1ee5ng th\u1ea5p v\u00e0 r\u00e0ng bu\u1ed9c \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng cao \u0111\u1ed1i v\u1edbi khu v\u1ef1c n\u00e0y.<\/p>\n

C\u0169ng theo \u00f4ng Ph\u1ea1m Ng\u1ecdc Long, ng\u00e2n h\u00e0ng \u0111\u1ecbnh gi\u00e1 cho vay theo m\u1eb7t h\u00e0ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, kho\u1ea3ng 60% DN th\u1ebf ch\u1ea5p b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0ng trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay th\u00ec h\u00ecnh th\u1ee9c n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u0111\u1ecbnh gi\u00e1 cao nh\u01b0 tr\u01b0\u1edbc.<\/p>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, \u00f4ng Ph\u1ea1m Qu\u1ed1c Ch\u00ednh, K\u1ebf to\u00e1n tr\u01b0\u1edfng C\u00f4ng ty C\u1ed5 ph\u1ea7n s\u00e1ch Alpha b\u0103n kho\u0103n, c\u00e1c DNNVV khi l\u00e0m d\u1ecbch v\u1ee5 v\u00e0 th\u01b0\u01a1ng m\u1ea1i s\u1ebd kh\u00f4ng c\u00f3 nhi\u1ec1u t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh, ch\u1ee7 y\u1ebfu l\u00e0 v\u1ed1n l\u01b0u \u0111\u1ed9ng, may ra c\u00f3 h\u00e0ng h\u00f3a l\u00e0m t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o nh\u01b0ng h\u00e0ng h\u00f3a c\u0169ng ph\u1ea3i lu\u00e2n chuy\u1ec3n, mua b\u00e1n li\u00ean t\u1ee5c. V\u1eady th\u00ec, nh\u1eefng DN nh\u01b0 n\u00e0y s\u1ebd l\u1ea5y g\u00ec l\u00e0m t\u00e0i s\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n khi vay ng\u00e2n h\u00e0ng?<\/p>\n

T\u1eeb nhi\u1ec1u th\u1eafc m\u1eafc nh\u01b0 tr\u00ean, c\u00e1c chuy\u00ean gia \u0111\u1ec1u nh\u1eadn \u0111\u1ecbnh, h\u00ecnh th\u1ee9c vay v\u1ed1n b\u1eb1ng t\u00edn ch\u1ea5p l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 ph\u00f9 h\u1ee3p. Tuy nhi\u00ean, \u00f4ng Tr\u1ea7n Trung Ki\u00ean, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i kh\u00e1ch h\u00e0ng DN ph\u1ee5 tr\u00e1ch mi\u1ec1n B\u1eafc, Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n K\u1ef9 th\u01b0\u01a1ng (Techcombank) cho bi\u1ebft, nhi\u1ec1u DN khi \u0111i vay v\u1ed1n \u0111\u01b0a ra nh\u1eefng th\u00f4ng tin, b\u00e1o c\u00e1o t\u00e0i ch\u00ednh s\u01a1 s\u00e0i, kh\u00f4ng c\u00f3 \u0111\u1ed9 ch\u00ednh x\u00e1c. B\u00ean c\u1ea1nh \u0111\u00f3, ng\u00e2n h\u00e0ng ch\u1ec9 x\u00e9t cho DN vay khi c\u00f3 ph\u01b0\u01a1ng \u00e1n kinh doanh t\u1ed1t, \u0111\u1ea3m b\u1ea3o nh\u01b0ng nhi\u1ec1u DNNVV l\u1ea1i ch\u01b0a ch\u00fa tr\u1ecdng v\u00e0o vi\u1ec7c n\u00e0y, ch\u1ec9 d\u1ef1a v\u00e0o h\u1ee3p \u0111\u1ed3ng ch\u1ee9 kh\u00f4ng \u0111\u01b0a ra \u0111\u01b0\u1ee3c ph\u01b0\u01a1ng \u00e1n kinh doanh kh\u1ea3 thi.<\/p>\n

C\u0169ng theo \u00f4ng Ki\u00ean, Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 khuy\u1ebfn kh\u00edch ng\u00e2n h\u00e0ng cho vay theo h\u00ecnh th\u1ee9c t\u00edn ch\u1ea5p nh\u01b0ng l\u1ea1i ch\u01b0a c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng. V\u1edbi b\u1ed1i c\u1ea3nh kinh t\u1ebf nh\u01b0 hi\u1ec7n nay, c\u00e1c DN kinh doanh \u0111\u1ec1u c\u00f3 \u0111\u1ed9 r\u1ee7i ro cao, \u0111\u1eb7c bi\u1ec7t c\u00e1c DNNVV r\u1ea5t d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng b\u1edfi c\u00e1c bi\u1ebfn \u0111\u1ed9ng kinh t\u1ebf. V\u1eady th\u00ec, ng\u00e2n h\u00e0ng c\u00e0ng kh\u00f3 kh\u0103n h\u01a1n trong vi\u1ec7c th\u1ef1c hi\u1ec7n cho vay t\u00edn ch\u1ea5p n\u1ebfu DN kh\u00f4ng ph\u1ea3i kh\u00e1ch h\u00e0ng quen thu\u1ed9c.<\/p>\n

Ph\u1ea3i t\u1ea1o ni\u1ec1m tin<\/strong><\/p>\n

DN v\u00e0 ng\u00e2n h\u00e0ng c\u1ea7n t\u00ecm \u0111\u01b0\u1ee3c ti\u1ebfng n\u00f3i chung. \u00d4ng Ph\u1ea1m Ng\u1ecdc Long cho r\u1eb1ng, c\u00e1c DN kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1eabn qu\u00e1 th\u1eadn tr\u1ecdng, co c\u1ee5m, c\u00f3 ph\u1ea7n b\u1ea3o th\u1ee7 trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng. \u201cC\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay v\u1eabn b\u00f3 h\u1eb9p v\u1edbi s\u1ed1 kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng, kh\u00e1ch h\u00e0ng VIP m\u00e0 th\u01b0\u1eddng xem nh\u1eb9 ho\u1eb7c l\u00e0m ng\u01a1 DN m\u1edbi kh\u1edfi nghi\u1ec7p\u201d, \u00f4ng Long n\u00f3i.<\/p>\n

Nh\u1eadn th\u1ea5y nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a DN, v\u1ecb \u0111\u1ea1i di\u1ec7n ng\u00e2n h\u00e0ng Techcombank cho bi\u1ebft, hi\u1ec7n Techcombank c\u00f3 2 h\u00ecnh th\u1ee9c cho vay l\u00e0 cho vay s\u1ea3n ph\u1ea9m v\u00e0 cho vay th\u1ea5u chi. V\u1edbi cho vay th\u1ea5u chi, n\u1ebfu DN c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, th\u1ebf ch\u1ea5p ph\u00f9 h\u1ee3p nh\u01b0ng ch\u01b0a \u0111\u01b0a ra \u0111\u01b0\u1ee3c ph\u01b0\u01a1ng \u00e1n chi tr\u1ea3 th\u00ec ng\u00e2n h\u00e0ng v\u1eabn c\u00f3 th\u1ec3 gi\u1ea3i ng\u00e2n trong v\u00f2ng 3 ng\u00e0y. Ngo\u00e0i ra, Techcombank c\u00f2n c\u00f3 h\u00ecnh th\u1ee9c cho vay li\u00ean k\u1ebft, DN khi vay n\u1ebfu \u0111\u01b0a l\u00ean h\u1ee3p \u0111\u1ed3ng \u0111\u1eb7t h\u00e0ng h\u1ee3p l\u00fd th\u00ec s\u1ebd cho vay v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ch\u00ednh l\u00e0 h\u00e0ng h\u00f3a t\u1ea1i kho.<\/p>\n

\u0110\u1ec3 gi\u00fap DN t\u1ea1o \u0111\u01b0\u1ee3c ni\u1ec1m tin cho ng\u00e2n h\u00e0ng khi vay t\u00edn ch\u1ea5p, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng VNBA cho r\u1eb1ng, khi vay v\u1ed1n t\u00edn ch\u1ea5p, DN ch\u1ec9 n\u00ean m\u1edf t\u00e0i kho\u1ea3n t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng, n\u1ebfu m\u1edf nhi\u1ec1u th\u00ec \u0111\u1ed9 tin c\u1eady k\u00e9m. DN c\u1ea7n ch\u1ee9ng minh r\u00f5 r\u00e0ng ph\u01b0\u01a1ng \u00e1n kinh doanh \u1ed5n \u0111\u1ecbnh v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m trong t\u01b0\u01a1ng lai. \u201cT\u1ea5t nhi\u00ean, n\u1ebfu m\u1edbi l\u00e0m vi\u1ec7c v\u1edbi nhau m\u00e0 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec r\u1ea5t kh\u00f3 giao d\u1ecbch, nh\u01b0ng n\u1ebfu \u0111\u00e3 l\u00e0m vi\u1ec7c l\u00e2u d\u00e0i, t\u1ea1o \u0111\u01b0\u1ee3c ni\u1ec1m tin th\u00ec v\u1ea5n \u0111\u1ec1 n\u00e0y s\u1ebd tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n\u201d, \u00f4ng \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh.<\/p>\n

M\u1ed9t v\u00ed d\u1ee5 ti\u00eau bi\u1ec3u cho nh\u1eadn \u0111\u1ecbnh tr\u00ean l\u00e0 t\u1ea1i C\u00f4ng ty C\u1ed5 ph\u1ea7n ch\u00e8 T\u00e2n Phong. Trao \u0111\u1ed5i v\u1edbi B\u00e1o H\u1ea3i quan, b\u00e0 \u0110inh Th\u1ecb Th\u1ee9c, Gi\u00e1m \u0111\u1ed1c DN n\u00e0y cho hay, v\u00ec DN c\u00f3 uy t\u00edn l\u00e2u n\u0103m tr\u00ean th\u1ecb tr\u01b0\u1eddng, kinh doanh \u1ed5n \u0111\u1ecbnh, t\u1ea1o \u0111\u01b0\u1ee3c quan h\u1ec7 th\u00e2n thi\u1ebft v\u1edbi ng\u00e2n h\u00e0ng n\u00ean vi\u1ec7c vay v\u1ed1n theo h\u00ecnh th\u1ee9c L\/C (vay v\u1ed1n tr\u1ea3 ngay\/ch\u1eadm theo h\u1ee3p \u0111\u1ed3ng mua b\u00e1n XNK) b\u1eb1ng ngo\u1ea1i t\u1ec7 t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n r\u1ea5t nhanh ch\u00f3ng v\u00e0 d\u1ec5 d\u00e0ng.<\/p>\n

H\u01b0\u01a1ng D\u1ecbu<\/strong><\/p>\n

—————<\/p>\n

H\u1ea3i quan (Doanh nghi\u1ec7p) 21-11-2014:<\/em><\/strong><\/p>\n

http:\/\/www.baohaiquan.vn\/pages\/tai-san-dam-bao-cai-kho-cua-dn-khi-vay-von.aspx<\/em><\/a><\/p>\n

(124\/1.066)<\/em>","protected":false},"excerpt":{"rendered":"

(HQ) – Theo th\u1ed1ng k\u00ea c\u1ee7a Hi\u1ec7p h\u1ed9i DN nh\u1ecf v\u00e0 v\u1eeba (DNNVV) Vi\u1ec7t Nam, hi\u1ec7n ch\u1ec9 c\u00f3 32,38% DNNVV cho bi\u1ebft c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u00e0 \u0111\u01b0\u1ee3c vay v\u1ed1n th\u01b0\u1eddng xuy\u00ean, 35,24% DN ph\u1ea3n \u00e1nh l\u00e0 kh\u00f3 ti\u1ebfp c\u1eadn, s\u1ed1 c\u00f2n l\u1ea1i kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn v\u1ed1n. Nguy\u00ean nh\u00e2n c\u1ee7a v\u1ea5n \u0111\u1ec1 tr\u00ean […]<\/p>\n","protected":false},"author":3,"featured_media":30317,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30316","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n615. T\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o: C\u00e1i kh\u00f3 c\u1ee7a DN khi vay v\u1ed1n - 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\/615-tai-san-dam-bao-cai-kho-cua-dn-khi-vay-von\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]615. T\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o: C\u00e1i kh\u00f3 c\u1ee7a DN khi vay v\u1ed1n[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(HQ) – Theo th\u1ed1ng k\u00ea c\u1ee7a Hi\u1ec7p h\u1ed9i DN nh\u1ecf v\u00e0 v\u1eeba (DNNVV) Vi\u1ec7t Nam, hi\u1ec7n ch\u1ec9 c\u00f3 32,38% DNNVV cho bi\u1ebft c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u00e0 \u0111\u01b0\u1ee3c vay v\u1ed1n th\u01b0\u1eddng xuy\u00ean, 35,24% DN ph\u1ea3n \u00e1nh l\u00e0 kh\u00f3 ti\u1ebfp c\u1eadn, s\u1ed1 c\u00f2n l\u1ea1i kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn v\u1ed1n. 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