{"id":30478,"date":"2014-12-16T09:49:22","date_gmt":"2014-12-16T02:49:22","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30478"},"modified":"2022-06-29T09:54:43","modified_gmt":"2022-06-29T02:54:43","slug":"625-ngan-hang-lo-om-khoi-tai-san-bao-dam","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/625-ngan-hang-lo-om-khoi-tai-san-bao-dam\/","title":{"rendered":"625. Ng\u00e2n h\u00e0ng lo \u201c\u00f4m\u201d kh\u1ed1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m"},"content":{"rendered":"(KT\u0110T) – Th\u1eddi gian qua, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u lu\u00f4n l\u00e0 nhi\u1ec7m v\u1ee5 h\u00e0ng \u0111\u1ea7u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, c\u00f4ng t\u00e1c \u0111\u00f2i n\u1ee3 v\u00e0 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i n\u1ee3 v\u1eabn r\u1ea5t kh\u00f3 kh\u0103n.<\/strong><\/p>\n

DN kh\u00f4ng c\u00f3 ti\u1ec1n tr\u1ea3 n\u1ee3, vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ph\u1ee9c t\u1ea1p v\u00e0 m\u1ea5t th\u1eddi gian\u2026 l\u00e0 nh\u1eefng nguy\u00ean nh\u00e2n khi\u1ebfn vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u00e3 ch\u1eadm l\u1ea1i c\u00e0ng ch\u1eadm.<\/p>\n

N\u1ed7i s\u1ee3 t\u1eeb n\u1ee3 x\u1ea5u<\/strong><\/p>\n

Hi\u1ec7n c\u00f3 nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, ng\u00e2n h\u00e0ng g\u00e2y ra n\u1ee3 x\u1ea5u v\u00e0 kh\u00f4ng t\u00edch c\u1ef1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u n\u00ean \u0111\u1ec3 cho n\u1ee3 x\u1ea5u t\u00e1i di\u1ec5n, th\u1ebf nh\u01b0ng \u0111\u00e2y ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n nh\u1ecf c\u1ee7a s\u1ef1 th\u1eadt. Th\u1ef1c t\u1ebf cho th\u1ea5y, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a DN r\u1ea5t kh\u00f3 kh\u0103n v\u00ec ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 n\u1eb1m ngo\u00e0i kh\u1ea3 n\u0103ng c\u1ee7a ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng kh\u00f3 c\u00f3 th\u1ec3 thu n\u1ee3 khi DN kh\u00f4ng c\u00f3 ti\u1ec1n, s\u1ea3n xu\u1ea5t, kinh doanh kh\u00f4ng ph\u00e1t tri\u1ec3n, th\u00ec l\u00e0m sao m\u1ed9t m\u00ecnh ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 thu h\u1ed3i v\u00e0 ph\u00e1t m\u1ea1i \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 nh\u00e0 \u0111\u1ea5t?<\/p>\n\n\n\n
\"\"<\/em><\/p>\n

Nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00f3 thu h\u1ed3i n\u1ee3 khi c\u00e1c doanh nghi\u1ec7p l\u00e0m \u0103n thua l\u1ed7. \u1ea2nh: Tr\u1ea7n Vi\u1ec7t<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

D\u01b0\u1eddng nh\u01b0 ng\u00e2n h\u00e0ng \u0111ang “\u0111\u01a1n th\u01b0\u01a1ng \u0111\u1ed9c m\u00e3” gi\u1eefa cu\u1ed9c chi\u1ebfn x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Khi cho vay, ng\u00e2n h\u00e0ng l\u00e0 ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh, nh\u01b0ng khi \u0111\u00f2i n\u1ee3 th\u00ec kh\u00e1ch h\u00e0ng m\u1edbi l\u00e0 ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh. Ng\u01b0\u1eddi trong ng\u00e0nh ng\u00e2n h\u00e0ng ng\u1eadm ng\u00f9i, x\u00f3t xa m\u00e0 th\u1eeba nh\u1eadn th\u1ef1c t\u1ebf r\u1eb1ng, ng\u00e2n h\u00e0ng “\u0111\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3”, khi\u1ebfp s\u1ee3 tr\u01b0\u1edbc n\u1ee3 x\u1ea5u.<\/p>\n

Th\u1ee7 t\u1ee5c \u0111\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt r\u1ea5t ph\u1ee9c t\u1ea1p, \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 s\u1ef1 \u0111\u1ed3ng thu\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c c\u01a1 quan, ban ng\u00e0nh li\u00ean quan. Khi ng\u00e2n h\u00e0ng “b\u00f3 tay”, ph\u1ea3i nh\u1edd \u0111\u1ebfn T\u00f2a \u00e1n th\u00ec ch\u1eadm tr\u1ec5, ph\u1ee9c t\u1ea1p, t\u1ed1n k\u00e9m. M\u1ed7i v\u1ee5 vi\u1ec7c b\u00ecnh qu\u00e2n m\u1ea5t v\u00e0i ba n\u0103m. V\u00e0 c\u00e1nh c\u1eeda cu\u1ed1i c\u00f9ng \u0111\u1ec3 gi\u1ea3i tho\u00e1t cho n\u1ee3 x\u1ea5u l\u00e0 ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n th\u00ec d\u01b0\u1eddng nh\u01b0 v\u1eabn b\u1ecb kh\u00e9p l\u1ea1i do s\u1ef1 \u1ea3m \u0111\u1ea1m k\u00e9o d\u00e0i c\u1ee7a th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n v\u00e0 B\u0110S.<\/p>\n

B\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u00a0\u0111\u1ec3 thu h\u1ed3i n\u1ee3 kh\u00f3 kh\u0103n<\/strong><\/p>\n

Th\u1eddi gian qua, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u lu\u00f4n l\u00e0 nhi\u1ec7m v\u1ee5 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, th\u1ebf nh\u01b0ng c\u00f4ng t\u00e1c \u0111\u00f2i n\u1ee3 v\u00e0 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i n\u1ee3 v\u1eabn h\u1ebft s\u1ee9c kh\u00f3 kh\u0103n.<\/p>\n

Th\u1ef1c t\u1ebf thu h\u1ed3i n\u1ee3 x\u1ea5u trong th\u1eddi gian qua cho th\u1ea5y, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng \u0111ang l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n c\u1ea3n tr\u1edf qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Tr\u01b0\u1edbc \u0111\u00e2y, khi cho vay, gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n cao, nay b\u00e1n gi\u00e1 l\u1ea1i qu\u00e1 th\u1ea5p. B\u00e1n h\u1ebft t\u00e0i s\u1ea3n m\u00e0 kh\u00f4ng thu \u0111\u1ee7 n\u1ee3, th\u00ec c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u0111\u1ec1u lo s\u1ee3 b\u1ecb quy k\u1ebft ph\u1ea1m t\u1ed9i l\u00e0m th\u1ea5t tho\u00e1t ti\u1ec1n vay, b\u1ea5t lu\u1eadn l\u00fd do g\u00ec. V\u00ec th\u1ebf, c\u1ea3 hai b\u00ean \u0111\u1ec1u n\u1ea5n n\u00e1 ch\u1edd \u0111\u1ee3i, hy v\u1ecdng ph\u1ee5c h\u1ed3i s\u1ea3n xu\u1ea5t, kinh doanh \u0111\u1ec3 tr\u1ea3 n\u1ee3, ch\u1edd \u0111\u1ee3i gi\u00e1 l\u00ean, mong tr\u00edch \u0111\u1ee7 d\u1ef1 ph\u00f2ng v\u00e0 c\u00f3 ch\u00ednh s\u00e1ch mi\u1ec5n tr\u00e1ch r\u00f5 r\u00e0ng h\u01a1n\u2026<\/p>\n

N\u1ebfu ng\u01b0\u1eddi vay l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m hay l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i x\u1eed l\u00fd h\u00ecnh s\u1ef1. N\u1ebfu c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng th\u1ef1c s\u1ef1 sai ph\u1ea1m nghi\u00eam tr\u1ecdng, tham nh\u0169ng hay \u0111\u1ed3ng ph\u1ea1m v\u1edbi ng\u01b0\u1eddi vay c\u0169ng ph\u1ea3i x\u1eed ph\u1ea1t v\u1ec1 c\u00e1c t\u1ed9i t\u01b0\u01a1ng \u1ee9ng. Tuy nhi\u00ean, c\u0169ng c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng l\u00e0 n\u1ea1n nh\u00e2n b\u1ecb l\u1ea1m d\u1ee5ng, l\u1eeba \u0111\u1ea3o nh\u01b0ng l\u1ea1i b\u1ecb quy k\u1ebft l\u00e0 t\u1ed9i ph\u1ea1m vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay ho\u1eb7c t\u1ed9i ph\u1ea1m c\u1ed1 \u00fd l\u00e0m tr\u00e1i.<\/p>\n

Ng\u01b0\u1eddi ta s\u1ebd r\u1ea5t s\u1ee3 h\u00e3i tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1, kh\u00f4ng d\u00e1m b\u1ecf c\u00e1i l\u1ee3i nh\u1ecf \u0111\u1ec3 \u0111\u1ea1t c\u00e1i l\u1ee3i l\u1edbn, thu \u00edt nh\u01b0ng thu s\u1edbm, trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u. N\u1ebfu c\u1ee9 k\u00e9o d\u00e0i t\u00ecnh tr\u1ea1ng nh\u01b0 tr\u00ean, th\u00ec kh\u00f4ng nh\u1eefng nan gi\u1ea3i trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u hi\u1ec7n t\u1ea1i, m\u00e0 c\u00f2n nguy c\u01a1 t\u00e1i di\u1ec5n n\u1ee3 x\u1ea5u tr\u1ea7m tr\u1ecdng trong t\u01b0\u01a1ng lai. X\u1eed l\u00fd n\u1ee3 x\u1ea5u trong b\u1ed1i c\u1ea3nh, m\u1ee9c \u0111\u1ed9 th\u00ec n\u1eb7ng n\u1ec1, th\u1eddi gian th\u00ec c\u1ea5p b\u00e1ch, ph\u00e1p lu\u1eadt th\u00ec v\u01b0\u1edbng m\u1eafc v\u00e0 th\u1ecb tr\u01b0\u1eddng th\u00ec kh\u00f3 kh\u0103n nh\u01b0 hi\u1ec7n nay, th\u00ec ph\u1ea3i ch\u1ea5p nh\u1eadn ch\u1ecdn c\u00e1i \u00edt x\u1ea5u nh\u1ea5t trong nh\u1eefng c\u00e1i x\u1ea5u, ch\u1ee9 kh\u00f4ng th\u1ec3 \u0111\u00f2i h\u1ecfi ph\u1ea3i l\u00e0 c\u00e1i \u0111\u00fang nh\u1ea5t, t\u1ed1t nh\u1ea5t.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/strong><\/p>\n

—————<\/p>\n

Kinh t\u1ebf & \u0110\u00f4 th\u1ecb (Th\u1ecb tr\u01b0\u1eddng T\u00e0i ch\u00ednh) 16-12-2014:<\/em><\/strong><\/p>\n

http:\/\/www.ktdt.vn\/kinh-te\/thi-truong-tai-chinh\/2014\/12\/810290a9\/ngan-hang-lo-om-khoi-tai-san-bao-dam\/<\/a><\/em><\/p>\n

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

(KT\u0110T) – Th\u1eddi gian qua, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u lu\u00f4n l\u00e0 nhi\u1ec7m v\u1ee5 h\u00e0ng \u0111\u1ea7u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, c\u00f4ng t\u00e1c \u0111\u00f2i n\u1ee3 v\u00e0 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i n\u1ee3 v\u1eabn r\u1ea5t kh\u00f3 kh\u0103n. DN kh\u00f4ng c\u00f3 ti\u1ec1n tr\u1ea3 n\u1ee3, vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ph\u1ee9c t\u1ea1p […]<\/p>\n","protected":false},"author":3,"featured_media":30479,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30478","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n625. Ng\u00e2n h\u00e0ng lo \u201c\u00f4m\u201d kh\u1ed1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m - 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\/625-ngan-hang-lo-om-khoi-tai-san-bao-dam\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]625. Ng\u00e2n h\u00e0ng lo \u201c\u00f4m\u201d kh\u1ed1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(KT\u0110T) – Th\u1eddi gian qua, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u lu\u00f4n l\u00e0 nhi\u1ec7m v\u1ee5 h\u00e0ng \u0111\u1ea7u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, c\u00f4ng t\u00e1c \u0111\u00f2i n\u1ee3 v\u00e0 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i n\u1ee3 v\u1eabn r\u1ea5t kh\u00f3 kh\u0103n. 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