{"id":31634,"date":"2015-03-31T16:06:17","date_gmt":"2015-03-31T09:06:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31634"},"modified":"2022-07-04T16:09:01","modified_gmt":"2022-07-04T09:09:01","slug":"685-ngan-hang-dung-cho-vay-quy-thu-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/685-ngan-hang-dung-cho-vay-quy-thu-no\/","title":{"rendered":"685. Ng\u00e2n h\u00e0ng \u201c\u0111\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3\u201d!"},"content":{"rendered":"(PL) – 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, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>\u00a0\u0111\u00e3 d\u00f9ng c\u1ee5m t\u1eeb r\u1ea5t h\u00ecnh t\u01b0\u1ee3ng \u0111\u1ec3 n\u00f3i v\u1ec1 c\u1ea3nh ng\u00e2n h\u00e0ng cho vay v\u00e0 \u0111\u00f2i n\u1ee3 \u201c\u0111\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3\u201d. C\u1ea7m ch\u1eafc t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m song kh\u00f4ng c\u00f3 ngh\u0129a ng\u00e2n h\u00e0ng \u201cn\u1eafm \u0111\u1eb1ng chu\u00f4i\u201d\u2026<\/strong><\/p>\n

\"\"<\/strong><\/p>\n

S\u1ee3 nh\u1ea5t kh\u00e1ch h\u00e0ng kh\u00f4ng h\u1ee3p t\u00e1c<\/strong><\/p>\n

\u0110\u00f3 l\u00e0 chia s\u1ebb c\u1ee7a r\u1ea5t nhi\u1ec1u ng\u00e2n h\u00e0ng khi \u0111\u1ec1 c\u1eadp \u0111\u1ebfn nh\u1eefng kh\u00f3 kh\u0103n khi thu h\u1ed3i n\u1ee3. Theo quy \u0111\u1ecbnh, ng\u00e2n h\u00e0ng cho vay t\u1ed1i \u0111a 70% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 v\u1ec1 l\u00fd thuy\u1ebft, khi kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, v\u1edbi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3 m\u00e0 kh\u00f4ng b\u1ecb m\u1ea5t v\u1ed1n.<\/p>\n

Th\u1ebf nh\u01b0ng th\u1ef1c t\u1ebf kh\u00f4ng \u0111\u01a1n gi\u1ea3n. Tr\u1ef1c ti\u1ebfp l\u00e0m vi\u1ec7c v\u1edbi Agribank H\u1ea3i D\u01b0\u01a1ng m\u1edbi \u0111\u00e2y, \u0111\u1ea1i di\u1ec7n ng\u00e2n h\u00e0ng n\u00e0y cho bi\u1ebft, n\u0103m 2014 n\u1ee3 x\u1ea5u c\u1ee7a chi nh\u00e1nh n\u00e0y ch\u1ec9 1,02%, th\u1ea5p h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u chung c\u1ee7a Agribank (kho\u1ea3ng tr\u00ean 4%) th\u1ebf nh\u01b0ng v\u1ea5n \u0111\u1ec1 thu h\u1ed3i n\u1ee3 c\u1ef1c k\u1ef3 nan gi\u1ea3i. Hi\u1ec7n chi nh\u00e1nh n\u00e0y v\u1eabn c\u00f2n 3 kho\u1ea3n n\u1ee3 l\u1edbn v\u1edbi kho\u1ea3ng 20 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\u201cC\u00f3 v\u1ee5 kh\u1edfi ki\u1ec7n t\u1eeb th\u00e1ng 7\/2013 nh\u01b0ng \u0111\u1ebfn nay v\u1eabn ch\u01b0a x\u00e9t x\u1eed do kh\u00e1ch h\u00e0ng kh\u00f4ng h\u1ee3p t\u00e1c, l\u1ee3i d\u1ee5ng y\u1ebfu t\u1ed1 ph\u00e1p lu\u1eadt \u0111\u1ec3 tr\u00ec ho\u00e3n th\u1eddi gian x\u00e9t x\u1eed. C\u00f3 nh\u1eefng v\u1ee5 x\u00e9t x\u1eed r\u1ed3i nh\u01b0ng 5 n\u0103m thi h\u00e0nh \u00e1n kh\u00f4ng xong\u2026\u201d- \u0111\u1ea1i di\u1ec7n ng\u00e2n h\u00e0ng ngao ng\u00e1n.<\/p>\n

V\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u cao th\u00ec s\u1ef1 nh\u1ecdc nh\u1eb1n, v\u1ea5t v\u1ea3 c\u00f2n nh\u00e2n l\u00ean g\u1ea5p b\u1ed9i v\u1edbi r\u1ea5t nhi\u1ec1u s\u1ee9c \u00e9p. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 hi\u1ec3u v\u00ec sao m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u1ea3i tr\u1ef1c ti\u1ebfp \u0111\u1ee9ng ra \u201cxi\u1ebft n\u1ee3\u201d b\u1eb1ng c\u00e1ch ni\u00eam phong c\u0103n h\u1ed9 l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a kh\u00e1ch h\u00e0ng m\u00e0 kh\u00f4ng \u0111\u1ee3i kh\u1edfi ki\u1ec7n ra t\u00f2a.<\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u1eddng g\u1eb7p 3 tr\u01b0\u1eddng h\u1ee3p. Th\u1ee9 nh\u1ea5t, kh\u00e1ch h\u00e0ng t\u1ef1 nguy\u1ec7n tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n ho\u1eb7c h\u1ee3p t\u00e1c \u0111\u1ec3 b\u00e1n t\u00e0i s\u1ea3n tr\u1ea3 n\u1ee3 cho ng\u00e2n h\u00e0ng. Th\u1ee9 hai, kh\u00e1ch h\u00e0ng kh\u00f4ng t\u1ef1 nguy\u1ec7n, nh\u01b0ng ng\u00e2n h\u00e0ng t\u1ea1o s\u1ee9c \u00e9p, \u0111\u1ee9ng ra b\u00e1n t\u00e0i s\u1ea3n \u0111\u1ec3 thu h\u1ed3i n\u1ee3 v\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 ki\u1ec7n c\u00e1o g\u00ec. C\u00f2n tr\u01b0\u1eddng h\u1ee3p th\u1ee9 ba l\u00e0 kh\u00e1ch h\u00e0ng ch\u00e2y \u1ef3, kh\u00f4ng tr\u1ea3 n\u1ee3 c\u0169ng kh\u00f4ng giao t\u00e0i s\u1ea3n th\u00ec bu\u1ed9c ph\u1ea3i \u0111\u01b0a ra t\u00f2a \u0111\u1ec3 t\u00f2a x\u1eed v\u00e0 sau \u0111\u00f3 t\u00f2a th\u1ef1c hi\u1ec7n thi h\u00e0nh \u00e1n theo b\u1ea3n \u00e1n \u0111\u00e3 x\u1eed.<\/p>\n

\u201cVi\u1ec7c ni\u00eam phong v\u00e0 d\u00e1n th\u00f4ng b\u00e1o c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p c\u1ea3nh b\u00e1o \u0111\u1ec3 ch\u1ee7 nh\u00e0 ph\u1ea3i h\u1ee3p t\u00e1c, tr\u1ea3 n\u1ee3\u2026 L\u00e2u nay, ng\u00e2n h\u00e0ng th\u01b0\u1eddng ng\u1ea1i \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ti\u1ebfng t\u0103m n\u00ean kh\u00f4ng mu\u1ed1n l\u00e0m c\u0103ng\u2026\u201d, Lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u1eadn x\u00e9t v\u1ec1 v\u1ee5 xi\u1ebft n\u1ee3 m\u1edbi \u0111\u00e2y c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng.<\/p>\n

Ch\u00eanh v\u00eanh ph\u00e1p l\u00fd<\/strong><\/p>\n

Trong quan h\u1ec7 cho vay b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, vi\u1ec7c thu gi\u1eef v\u00e0 x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP v\u00e0 Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch 16\/2014\/TTLT-BTP-BTNMT-NHNN. C\u1ee5 th\u1ec3, \u0110i\u1ec1u 63 Ngh\u1ecb \u0111\u1ecbnh 163 ghi r\u00f5: \u201cB\u00ean gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ph\u1ea3i giao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m cho ng\u01b0\u1eddi x\u1eed l\u00fd t\u00e0i s\u1ea3n theo th\u00f4ng b\u00e1o c\u1ee7a ng\u01b0\u1eddi n\u00e0y; n\u1ebfu h\u1ebft th\u1eddi h\u1ea1n \u1ea5n \u0111\u1ecbnh trong th\u00f4ng b\u00e1o m\u00e0 b\u00ean gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00f4ng giao t\u00e0i s\u1ea3n th\u00ec ng\u01b0\u1eddi x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u00f3 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd ho\u1eb7c y\u00eau c\u1ea7u T\u00f2a \u00e1n gi\u1ea3i quy\u1ebft\u201d.<\/p>\n

Khi th\u1ef1c hi\u1ec7n vi\u1ec7c thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, ng\u01b0\u1eddi x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u00f3 tr\u00e1ch nhi\u1ec7m: Th\u00f4ng b\u00e1o tr\u01b0\u1edbc cho ng\u01b0\u1eddi gi\u1eef t\u00e0i s\u1ea3n trong m\u1ed9t th\u1eddi h\u1ea1n h\u1ee3p l\u00fd v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt, tr\u00e1i \u0111\u1ea1o \u0111\u1ee9c x\u00e3 h\u1ed9i trong qu\u00e1 tr\u00ecnh thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Tuy nhi\u00ean, th\u1ebf n\u00e0o l\u00e0 \u0111i\u1ec1u c\u1ea5m trong thu gi\u1eef t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o hay th\u1ebf n\u00e0o l\u00e0 tr\u00e1i \u0111\u1ea1o \u0111\u1ee9c x\u00e3 h\u1ed9i th\u00ec ch\u01b0a r\u00f5 r\u00e0ng (!?).<\/p>\n

\u201cTh\u1ef1c t\u1ebf, trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kh\u00e1ch h\u00e0ng d\u00f9 c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 nh\u01b0ng v\u1eabn kh\u00f4ng tr\u1ea3 n\u1ee3, t\u00ecm m\u1ecdi c\u00e1ch ch\u00e2y \u1ef3, nh\u1edfn nh\u01a1 tr\u01b0\u1edbc ph\u00e1p lu\u1eadt. Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP v\u1ec1 giao d\u1ecbch \u0111\u1ea3m b\u1ea3o \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5, ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c to\u00e0n quy\u1ec1n thu gi\u1eef, x\u1eed l\u00fd, ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf, ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n vi\u1ec7c n\u00e0y l\u00e0 v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n b\u1edfi nguy\u00ean t\u1eafc th\u00ec c\u00f3, nh\u01b0ng ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u201ch\u00e0i h\u00f2a\u201d, \u201ch\u1ee3p l\u00fd\u201d, tr\u00e1nh s\u1ef1 ph\u1ea3n \u0111\u1ed1i, ki\u1ec7n c\u00e1o\u2026 th\u00ec l\u1ea1i ph\u1ee5 thu\u1ed9c v\u00e0o thi\u1ec7n ch\u00ed c\u1ee7a b\u00ean kia\u2026\u201d – Lu\u1eadt s\u01b0 \u0110\u1ee9c ph\u00e1t bi\u1ec3u.<\/p>\n

Theo \u00f4ng \u0110\u1ee9c, m\u1ecdi vi\u1ec7c \u0111\u1ec1u c\u00f3 nguy\u00ean do t\u1eeb quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. \u201c\u1ede \u0111\u00e2y c\u00f3 \u201cl\u1ed7 h\u1ed5ng\u201d ph\u00e1p l\u00fd d\u1eabn \u0111\u1ebfn \u0111\u1ecbnh h\u01b0\u1edbng h\u00e0nh vi c\u1ee7a c\u00e1c b\u00ean tr\u00ean th\u1ef1c t\u1ebf. Lu\u1eadt quy \u0111\u1ecbnh kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 s\u1ebd b\u1ecb thu h\u1ed3i t\u00e0i s\u1ea3n, nh\u01b0ng khi ch\u1ee7 t\u00e0i s\u1ea3n kh\u00f4ng ch\u1ea5p nh\u1eadn vi\u1ec7c ph\u00e1t m\u1ea1i, l\u1ea1i kh\u00f4ng ph\u1ea3i ch\u1ecbu h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd nghi\u00eam kh\u1eafc, b\u1ea5t l\u1ee3i h\u01a1n. Ch\u1ebf t\u00e0i kh\u00f4ng \u0111\u1ee7 m\u1ea1nh, ch\u1ea5p h\u00e0nh kh\u00f4ng nghi\u00eam, t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u s\u1ebd v\u1eabn c\u00f2n nan gi\u1ea3i\u2026\u201d- Lu\u1eadt s\u01b0 \u0110\u1ee9c kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

VAMC c\u0169ng g\u1eb7p kh\u00f3 khi thu h\u1ed3i n\u1ee3<\/strong><\/p>\n

\u00d4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Th\u00e0nh vi\u00ean C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam (VAMC) trong m\u1ed9t l\u1ea7n chia s\u1ebb v\u1edbi b\u00e1o ch\u00ed m\u1edbi \u0111\u00e2y than r\u1eb1ng VAMC c\u0169ng \u0111ang g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n trong vi\u1ec7c thu h\u1ed3i n\u1ee3.<\/p>\n

\u00d4ng H\u00f9ng cho bi\u1ebft, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng nh\u01b0ng \u0111\u1ebfn khi b\u00e0n giao, h\u1ecd t\u00ecm m\u1ecdi c\u00e1ch tr\u00ec ho\u00e3n, th\u1eadm ch\u00ed vi\u1ebft \u0111\u01a1n th\u01b0 k\u00eau ca kh\u1eafp n\u01a1i \u00a0r\u1eb1ng: \u201cSao doanh nghi\u1ec7p \u0111ang \u201cs\u1ed1ng\u201d m\u00e0 VAMC l\u1ea1i xi\u1ebft n\u1ee3?\u201d.<\/p>\n

Hi\u1ec3u My<\/strong><\/p>\n

————-<\/p>\n

Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam (\u00dd ki\u1ebfn doanh nghi\u1ec7p) 31-3-2015:<\/em><\/strong><\/p>\n

http:\/\/m.baophapluat.vn\/phong-su-dieu-tra-ve-kinh-te\/ngan-hang-dung-cho-vay-quy-thu-no-213253.html<\/em><\/a><\/p>\n

(375\/1.034)<\/em>","protected":false},"excerpt":{"rendered":"

(PL) – 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, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0\u0111\u00e3 d\u00f9ng c\u1ee5m t\u1eeb r\u1ea5t h\u00ecnh t\u01b0\u1ee3ng \u0111\u1ec3 n\u00f3i v\u1ec1 c\u1ea3nh ng\u00e2n h\u00e0ng cho vay v\u00e0 \u0111\u00f2i n\u1ee3 \u201c\u0111\u1ee9ng cho vay, qu\u1ef3 thu n\u1ee3\u201d. C\u1ea7m ch\u1eafc t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m song kh\u00f4ng c\u00f3 ngh\u0129a […]<\/p>\n","protected":false},"author":3,"featured_media":31636,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n685. 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