{"id":31426,"date":"2011-09-15T11:12:52","date_gmt":"2011-09-15T04:12:52","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31426"},"modified":"2022-07-04T11:15:33","modified_gmt":"2022-07-04T04:15:33","slug":"220-luat-dan-su-dang-boc-lo-nhieu-han-che","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/220-luat-dan-su-dang-boc-lo-nhieu-han-che\/","title":{"rendered":"220. Lu\u1eadt D\u00e2n s\u1ef1 \u0111ang b\u1ed9c l\u1ed9 nhi\u1ec1u h\u1ea1n ch\u1ebf"},"content":{"rendered":"(D\u0110DN) – B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 01\/01\/2006, b\u00ean c\u1ea1nh nh\u1eefng \u01b0u \u0111i\u1ec3m n\u1ed5i b\u1eadt \u0111\u00e3 d\u1ea7n b\u1ed9c l\u1ed9 nh\u1eefng h\u1ea1n ch\u1ebf g\u00e2y c\u1ea3n tr\u1edf cho ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p c\u1ee7a doanh nghi\u1ec7p, \u0111\u00f2i h\u1ecfi ph\u1ea3i s\u1eeda \u0111\u1ed5i.<\/strong><\/p>\n

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Nhi\u00ea\u0300u \u0111a\u0323i bi\u00ea\u0309u co\u0301 m\u0103\u0323t ta\u0323i h\u00f4\u0323i tha\u0309o hoa\u0300n thi\u00ea\u0323n ba\u0301o ca\u0301o ra\u0300 soa\u0301t lu\u00e2\u0323t B\u00f4\u0323 lu\u00e2\u0323t D\u00e2n s\u01b0\u0323 do VCCI ph\u00f4\u0301i h\u01a1\u0323p v\u01a1\u0301i V\u0103n pho\u0300ng Chi\u0301nh phu\u0309 t\u00f4\u0309 ch\u01b0\u0301c sa\u0301ng 14\/9 ta\u0323i Ha\u0300 N\u00f4\u0323i cho r\u0103\u0300ng, B\u00f4\u0323 Lu\u00e2\u0323t D\u00e2n s\u01b0\u0323 \u0111\u00e3 c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd cho doanh nghi\u1ec7p tr\u00ecnh qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng kinh doanh. Tuy nhi\u00ean, c\u00f3 qu\u00e1 nhi\u1ec1u nh\u1eefng quy \u0111\u1ecbnh r\u01b0\u1eddm r\u00e0, kh\u00f4ng c\u1ea7n thi\u1ebft, t\u1ea1o th\u00eam chi ph\u00ed ho\u1eb7c r\u1ee7i ro cho doanh nghi\u1ec7p.<\/p>\n

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G\u1ea7n nh\u01b0 100% c\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u00e1p d\u1ee5ng sai lu\u1eadt<\/em><\/strong><\/p>\n

Lu\u00e2\u0323t s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u01b0\u0301c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho bi\u1ebft, n\u1ebfu nh\u01b0 theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, l\u00e3i su\u1ea5t cho vay t\u1ea1i th\u1eddi \u0111i\u1ec3m 9\/2011 t\u1ed1i \u0111a l\u00e0 13,5%\/n\u0103m (th\u1ea5p h\u01a1n tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 14%\/n\u0103m). Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, h\u1ea7u h\u1ebft vi\u1ec7c cho vay \u0111\u1ec1u v\u01b0\u1ee3t xa tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y, g\u1ea5p t\u1edbi v\u00e0i l\u1ea7n \u0111\u1ebfn v\u00e0i ch\u1ee5c l\u1ea7n, th\u1eadm ch\u00ed cho vay l\u00ean \u0111\u1ebfn 720%\/n\u0103m (B\u00e1o Ph\u00e1p lu\u1eadt TP HCM 10\/11\/2009) hay 900%\/n\u0103m (B\u00e1o Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam 22\/9\/2010). Ri\u00eang c\u00e1c ng\u00e2n h\u00e0ng, l\u00e0 ng\u01b0\u1eddi cho vay chuy\u00ean nghi\u1ec7p nh\u1ea5t, l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf ri\u00eang, kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n tr\u1ea7n l\u00e3i su\u1ea5t cho vay. \u201cNh\u01b0ng \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n hi\u1ec7n nay, th\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh ngo\u1ea1i l\u1ec7 cho ng\u00e2n h\u00e0ng, cho n\u00ean g\u1ea7n nh\u01b0 100% c\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u00e1p d\u1ee5ng sai lu\u1eadt, l\u00e0 c\u1ee9 t\u00ednh b\u1eb1ng 150% l\u00e3i su\u1ea5t trong h\u1ea1n nh\u01b0 th\u1eddi xa x\u01b0a, ch\u1ee9 kh\u00f4ng t\u00ednh \u201ctheo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d, t\u1ee9c l\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p c\u1ed9ng th\u00eam kh\u00f4ng qu\u00e1 9%\/n\u0103m theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005\u201d \u2013 \u00f4ng \u0110\u01b0\u0301c no\u0301i.<\/em><\/p>\n

LS \u0110\u01b0\u0301c\u00a0b\u01b0\u0301c xu\u0301c: \u201c\u0110\u00e2y l\u00e0 nh\u1eefng quy \u0111\u1ecbnh tr\u00e1i kho\u00e1y \u0111\u1ebfn m\u1ee9c ngang ng\u01b0\u1ee3c nh\u1ea5t c\u1ee7a ph\u00e1p lu\u1eadt, ch\u1ed1ng l\u1ea1i th\u1ef1c t\u1ebf cu\u1ed9c s\u1ed1ng, cho n\u00ean c\u0169ng b\u1ecb vi ph\u1ea1m m\u1ed9t c\u00e1ch ph\u1ed5 bi\u1ebfn nh\u1ea5t, ngang nhi\u00ean nh\u1ea5t. K\u1ec3 c\u1ea3\u00a0l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n t\u0103ng l\u00ean 14%\/n\u0103m th\u00ec gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay v\u00e0 qu\u00e1 h\u1ea1n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169ng v\u1eabn kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c\u201d.<\/em><\/p>\n

Go\u0301p y\u0301 v\u00ea\u0300 vi\u00ea\u0323c nho\u0301m chuy\u00ean gia ra\u0300 soa\u0301t Ba\u0301o ca\u0301o khuy\u00ea\u0301n nghi\u0323: Kh\u00f4ng d\u00f9ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 l\u00e0m c\u0103n c\u1ee9 t\u00ednh l\u00e3i cho vay v\u00e0 ch\u1eadm tr\u1ea3, m\u00e0 c\u0103n c\u1ee9 v\u00e0o l\u00e3i su\u1ea5t cho vay tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u1ed9ng v\u1edbi m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea1t nh\u1ea5t \u0111\u1ecbnh. LS \u0110\u01b0\u0301c cho r\u0103\u0300ng, n\u1ebfu ch\u1ec9 d\u1eebng l\u1ea1i \u1edf quy \u0111\u1ecbnh nh\u01b0 \u0110<\/a>i\u1ec1u 306 v\u1ec1 \u201cQuy\u1ec1n y\u00eau c\u1ea7u ti\u1ec1n l\u00e3i do ch\u1eadm thanh to\u00e1n\u201d, c\u1ee7a Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i: \u201cTr\u01b0\u1eddng h\u1ee3p b\u00ean vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng ch\u1eadm thanh to\u00e1n ti\u1ec1n h\u00e0ng hay ch\u1eadm thanh to\u00e1n th\u00f9 lao d\u1ecbch v\u1ee5 v\u00e0 c\u00e1c chi ph\u00ed h\u1ee3p l\u00fd kh\u00e1c th\u00ec b\u00ean b\u1ecb vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u tr\u1ea3 ti\u1ec1n l\u00e3i tr\u00ean s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 \u0111\u00f3 theo l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n trung b\u00ecnh tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c\u201d, th\u00ec c\u0169ng v\u1eabn d\u1eabn \u0111\u1ebfn b\u1ebf t\u1eafc v\u00e0 c\u00f3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c b\u1edfi \u0111\u00f3 l\u00e0 nh\u1eefng con s\u1ed1 thay \u0111\u1ed5i li\u00ean t\u1ee5c, r\u1ea5t kh\u00f3 kh\u0103n trong vi\u1ec7c \u00e1p d\u1ee5ng.<\/em><\/p>\n

V\u00ec v\u1eady, LS \u0110\u01b0\u0301c \u0111\u00ea\u0300 nghi\u0323, c\u1ea7n quy \u0111\u1ecbnh m\u1ed9t m\u1ee9c gi\u1edbi h\u1ea1n c\u1ed1 \u0111\u1ecbnh, v\u00ed d\u1ee5 l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 36%\/n\u0103m, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00f4ng qu\u00e1 90%\/n\u0103m. V\u00e0 sau m\u1ed9t s\u1ed1 n\u0103m, th\u00ec Qu\u1ed1c h\u1ed9i ho\u1eb7c Ch\u00ednh ph\u1ee7 s\u1ebd quy\u1ebft \u0111\u1ecbnh thay \u0111\u1ed5i cho ph\u00f9 h\u1ee3p. <\/em><\/p>\n

N\u00ean co\u0301 quy \u0111i\u0323nh v\u00ea\u0300 giao di\u0323ch ta\u0300i sa\u0309n ch\u01b0a co\u0301 th\u00e2\u0323t<\/strong><\/p>\n

Theo lu\u00e2\u0323t s\u01b0 L\u00ea Qu\u00f4\u0301c \u0110a\u0323t \u2013 Gia\u0301m \u0111\u00f4\u0301c C\u00f4ng ty Lu\u00e2\u0323t TNHH Tri\u0301 Tu\u00ea\u0323, giao di\u0323ch ta\u0300i sa\u0309n ch\u01b0a co\u0301 th\u00e2\u0323t (VD: \u0110i\u00ea\u0323n thoa\u0323i di \u0111\u00f4\u0323ng Iphone 4G s\u0103\u0301p nh\u00e2\u0323p kh\u00e2\u0309u, ca\u0301c sa\u0309n ph\u00e2\u0309m c\u00f4ng nghi\u00ea\u0323p \u0111ang \u0111\u01b0\u01a1\u0323c thi\u00ea\u0301t k\u00ea\u0301, ca\u0301c d\u01b0\u0323 a\u0301n x\u00e2y d\u01b0\u0323ng nha\u0300 v\u01b0\u01a1\u0300n…) ho\u0103\u0323c ta\u0300i sa\u0309n se\u0303 hi\u0300nh ha\u0300nh trong t\u01b0\u01a1ng lai la\u0300 m\u00f4\u0323t v\u00e2\u0301n \u0111\u00ea\u0300 c\u00e2\u0300n \u0111\u01b0\u01a1\u0323c b\u00f4\u0323 Lu\u00e2\u0323t D\u00e2n s\u01b0\u0323 quan t\u00e2m \u0111u\u0301ng m\u01b0\u0301c, co\u0301 nh\u01b0\u0303ng quy \u0111i\u0323nh m\u01a1\u0301i \u0111\u00ea\u0309 \u0111i\u00ea\u0300u chi\u0309nh, b\u01a1\u0309i: \u0111\u00f4\u0301i t\u01b0\u01a1\u0323ng giao di\u0323ch nh\u01b0\u0303ng loa\u0323i ta\u0300i sa\u0309n tr\u00ean la\u0300 nh\u01b0\u0303ng ta\u0300i sa\u0309n ch\u01b0a co\u0301 th\u00e2\u0323t, ng\u01b0\u01a1\u0300i mua kh\u00f4ng th\u00ea\u0309 nhi\u0300n th\u00e2\u0301y, du\u0300ng th\u01b0\u0309 ho\u0103\u0323c \u0111o \u0111a\u0323c chi\u0301nh xa\u0301c \u0111\u01b0\u01a1\u0323c ki\u0301ch th\u01b0\u01a1\u0301c tro\u0323ng l\u01b0\u01a1\u0323ng nh\u01b0ng vi\u0300 nhu c\u00e2\u0300u, vi\u0300 lo\u0300ng tin ho\u0103\u0323c vi\u0300 ha\u0301m l\u01a1\u0323i n\u00ean giao di\u0323ch v\u00e2\u0303n di\u00ea\u0303n ra kh\u00f4ng c\u00e2\u0300n bi\u00ea\u0301t \u0111\u00ea\u0301n h\u00e2\u0323u qua\u0309.<\/p>\n

Thi\u00ea\u0323t ha\u0323i \u0111\u00e2\u0300u ti\u00ean cho ng\u01b0\u01a1\u0300i mua khi giao di\u0323ch th\u00e2\u0301t ba\u0323i la\u0300 ho\u0323 bi\u0323 chi\u00ea\u0301m du\u0323ng v\u00f4\u0301n, \u0111\u0103\u0323c bi\u00ea\u0323t la\u0300 nh\u01b0\u0303ng ng\u01b0\u01a1\u0300i s\u01b0\u0309 du\u0323ng v\u00f4\u0301n huy \u0111\u00f4\u0323ng, v\u00f4\u0301n vay ng\u00e2n ha\u0300ng. LS L\u00ea Qu\u00f4\u0301c \u0110a\u0323t l\u00e2\u0301y d\u00e2\u0303n ch\u01b0\u0301ng: \u201cCo\u0301 nh\u01b0\u0303ng giao di\u0323ch b\u00e2\u0301t \u0111\u00f4\u0323ng sa\u0309n bi\u0323 chi\u00ea\u0301m du\u0323ng v\u00f4\u0301n huy \u0111\u00f4\u0323ng v\u01a1\u0301i s\u00f4\u0301 l\u01b0\u01a1\u0323ng l\u01a1\u0301n, ke\u0301o da\u0300i ha\u0300ng n\u0103m tr\u01a1\u0300i, nha\u0300 \u0111\u00e2\u0300u t\u01b0 khi \u0111o\u0300i \u0111\u01b0\u01a1\u0323c v\u00f4\u0301n g\u00f4\u0301c qua nhi\u00ea\u0300u l\u00e2\u0300n he\u0323n va\u0300 nhi\u00ea\u0300u l\u00e2\u0300n tra\u0309 nho\u0309 gio\u0323t \u0111a\u0303 toa\u0301t ca\u0309 m\u00f4\u0300 h\u00f4i, kh\u00f4ng da\u0301m ho\u0103\u0323c kh\u00f4ng co\u0300n s\u01b0\u0301c \u0111\u00ea\u0309 \u0111o\u0300i la\u0303i kh\u00f4ng ky\u0300 ha\u0323n \u0111a\u0303 bi\u0323 chu\u0309 \u0111\u00e2\u0300u t\u01b0 chi\u00ea\u0301m du\u0323ng… Co\u0301 nh\u01b0\u0303ng giao di\u0323ch vi\u0300 l\u01a1\u0300i qua ti\u00ea\u0301ng la\u0323i d\u00e2\u0303n \u0111\u00ea\u0301n xi\u0301ch mi\u0301ch, tha\u0301ch \u0111\u00f4\u0301 l\u00e2\u0303n nhau, x\u00f4 xa\u0301t va\u0300 t\u01b0\u0300 giao di\u0323ch d\u00e2n s\u01b0\u0323 \u0111a\u0303 tr\u01a1\u0309 tha\u0300nh quan h\u00ea\u0323 \u201chi\u0300nh s\u01b0\u0323\u201d…\u201d<\/em><\/p>\n

H\u00f4\u0300 H\u01b0\u01a1\u0300ng<\/strong><\/p>\n

—————————————<\/p>\n

Di\u1ec5n \u0111\u00e0n DN 15-9-2011:<\/em><\/strong><\/p>\n

http:\/\/dddn.com.vn\/20110914042644259cat104\/luat-dan-su-dang-boc-lo-nhieu-han-che.htm <\/em>","protected":false},"excerpt":{"rendered":"

(D\u0110DN) – B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 01\/01\/2006, b\u00ean c\u1ea1nh nh\u1eefng \u01b0u \u0111i\u1ec3m n\u1ed5i b\u1eadt \u0111\u00e3 d\u1ea7n b\u1ed9c l\u1ed9 nh\u1eefng h\u1ea1n ch\u1ebf g\u00e2y c\u1ea3n tr\u1edf cho ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p c\u1ee7a doanh nghi\u1ec7p, \u0111\u00f2i h\u1ecfi ph\u1ea3i s\u1eeda \u0111\u1ed5i. Nhi\u00ea\u0300u \u0111a\u0323i bi\u00ea\u0309u co\u0301 m\u0103\u0323t ta\u0323i h\u00f4\u0323i tha\u0309o hoa\u0300n thi\u00ea\u0323n ba\u0301o ca\u0301o […]<\/p>\n","protected":false},"author":3,"featured_media":31431,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n220. 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