{"id":31819,"date":"2012-05-27T10:46:59","date_gmt":"2012-05-27T03:46:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31819"},"modified":"2022-07-05T10:53:44","modified_gmt":"2022-07-05T03:53:44","slug":"294-co-cau-lai-von-cho-vay-loi-dung-de-dao-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/294-co-cau-lai-von-cho-vay-loi-dung-de-dao-no\/","title":{"rendered":"294. C\u01a1 c\u1ea5u l\u1ea1i v\u1ed1n cho vay: L\u1ee3i d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3o n\u1ee3"},"content":{"rendered":"(\u0110TCK) – Ngh\u1ecb quy\u1ebft s\u1ed1 13\/NQ-CP c\u1ee7a Ch\u00ednh ph\u1ee7 cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho DN vay v\u1ed1n ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t – kinh doanh. \u0110\u00e2y l\u00e0 quy\u1ebft \u0111\u1ecbnh \u0111\u00fang, c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 c\u0169ng \u0111\u00e3 c\u00f3 ti\u1ec1n l\u1ec7, nh\u01b0ng ranh gi\u1edbi gi\u1eefa \u0111\u1ea3o n\u1ee3 \u0111\u1ec3 che gi\u1ea5u n\u1ee3 x\u1ea5u v\u1edbi \u0111\u1ea3o n\u1ee3 \u0111\u1ec3 s\u1ea3n xu\u1ea5t r\u1ea5t kh\u00f3 ph\u00e2n bi\u1ec7t.<\/strong><\/p>\n

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\nQuy\u1ebft \u0111\u1ecbnh \u0111\u00fang<\/strong><\/p>\n

Ng\u00e0y 10\/5\/2012, Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ngh\u1ecb quy\u1ebft s\u1ed1 13\/NQ-CP v\u1ec1 m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho s\u1ea3n xu\u1ea5t – kinh doanh, h\u1ed7 tr\u1ee3 th\u1ecb tr\u01b0\u1eddng. Trong \u0111\u00f3 n\u00eau r\u00f5, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ee7 tr\u00ec, ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u1ed9, c\u01a1 quan, \u0111\u1ecba ph\u01b0\u01a1ng th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 (th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, l\u00e3i su\u1ea5t, cho vay m\u1edbi tr\u1ea3 n\u1ee3 c\u0169…) v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p kh\u00e1c c\u1ea7n thi\u1ebft, ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng lo\u1ea1i h\u00ecnh, l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t – kinh doanh, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho DN vay \u0111\u01b0\u1ee3c v\u1ed1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t – kinh doanh, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi nh\u1eefng DN c\u00f3 tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n, c\u00f3 s\u1ea3n ph\u1ea9m \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng nh\u01b0ng \u0111ang g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n

Nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2012, kh\u00f3 kh\u0103n c\u1ee7a DN do \u1ea3nh h\u01b0\u1edfng c\u1ee7a l\u1ea1m ph\u00e1t cao v\u00e0 suy gi\u1ea3m t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf n\u0103m 2011 b\u1eaft \u0111\u1ea7u l\u1ed9 r\u00f5. Ch\u01b0a c\u00f3 th\u1eddi \u0111i\u1ec3m n\u00e0o m\u00e0 con s\u1ed1 DN ph\u1ea3i t\u1ea1m ng\u1eebng ho\u1ea1t \u0111\u1ed9ng, thua l\u1ed7 v\u00e0 c\u00f3 nguy c\u01a1 ph\u00e1 s\u1ea3n l\u1ea1i nhi\u1ec1u nh\u01b0 hi\u1ec7n nay. Kh\u00f4ng ch\u1ec9 c\u00e1c DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n r\u01a1i v\u00e0o kh\u1ee7ng ho\u1ea3ng, m\u00e0 m\u1ed9t lo\u1ea1t DN trong c\u00e1c l\u0129nh v\u1ef1c kinh doanh kh\u00e1c c\u0169ng suy tho\u00e1i.<\/p>\n

Th\u1ee9 tr\u01b0\u1edfng B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0 Cao Vi\u1ebft Sinh cho bi\u1ebft, n\u0103m 2011 c\u00f3 h\u01a1n 53.000 DN v\u00e0 4 th\u00e1ng \u0111\u1ea7u n\u0103m nay c\u00f3 17.700 DN gi\u1ea3i th\u1ec3 v\u00e0 ng\u1eebng ho\u1ea1t \u0111\u1ed9ng. Hai con s\u1ed1 n\u00e0y c\u1ed9ng l\u1ea1i chi\u1ebfm h\u01a1n 40% t\u1ed5ng s\u1ed1 DN gi\u1ea3i th\u1ec3 v\u00e0 ng\u1eebng ho\u1ea1t \u0111\u1ed9ng t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay. Nh\u01b0 v\u1eady, t\u00ednh \u0111\u1ebfn ng\u00e0y 30\/4\/2012, trong t\u1ed5ng s\u1ed1 h\u01a1n 647.600 DN \u0111\u00e3 th\u00e0nh l\u1eadp, c\u1ea3 n\u01b0\u1edbc c\u00f2n kho\u1ea3ng 463.800 DN \u0111ang ho\u1ea1t \u0111\u1ed9ng, chi\u1ebfm 71,6%; c\u00f3 tr\u00ean 81.900 DN \u0111\u00e3 gi\u1ea3i th\u1ec3, tr\u00ean 16.000 DN \u0111\u00e3 \u0111\u0103ng k\u00fd d\u1eebng ho\u1ea1t \u0111\u1ed9ng v\u00e0 tr\u00ean 85.800 DN d\u1eebng ho\u1ea1t \u0111\u1ed9ng nh\u01b0ng kh\u00f4ng \u0111\u0103ng k\u00fd.<\/p>\n

“N\u1ebfu c\u1ee9 \u0111\u00e0 n\u00e0y, trung b\u00ecnh m\u1ed9t th\u00e1ng s\u1ebd c\u00f3 t\u1eeb 4.000 – 4.500 DN gi\u1ea3i th\u1ec3, th\u00ec ch\u1eafc ch\u1eafn n\u0103m nay, con s\u1ed1 s\u1ebd x\u1ea5p x\u1ec9 n\u0103m ngo\u00e1i, d\u1ef1 b\u00e1o kho\u1ea3ng 50.000 DN s\u1ebd gi\u1ea3i th\u1ec3, ng\u1eebng ho\u1ea1t \u0111\u1ed9ng. \u0110i\u1ec1u n\u00e0y n\u00f3i l\u00ean m\u1ee9c \u0111\u1ed9 kh\u00f3 kh\u0103n c\u1ee7a DN hi\u1ec7n nay”, \u00f4ng Sinh n\u00f3i.<\/p>\n

Ch\u00ednh ph\u1ee7 \u0111\u00e3 c\u00f3 nhi\u1ec1u gi\u1ea3i ph\u00e1p h\u1ed7 tr\u1ee3 DN, h\u1ed7 tr\u1ee3 th\u1ecb tr\u01b0\u1eddng nh\u1eb1m c\u1ee9u c\u00e1c DN trong th\u1eddi kh\u1ed1n kh\u00f3. Ngh\u1ecb quy\u1ebft 13 \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn l\u00e0 lu\u1ed3ng gi\u00f3 m\u1edbi th\u1ed5i v\u00e0o t\u1eebng l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t – kinh doanh tr\u00ean kh\u1eafp c\u1ea3 n\u01b0\u1edbc.<\/p>\n

\u0110\u00e3 c\u00f3 ti\u1ec1n l\u1ec7<\/strong><\/p>\n

Theo TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia ng\u00e2n h\u00e0ng, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 c\u1ee7a Vi\u1ec7t Nam kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3. Ch\u1ec9 c\u00f3 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt kh\u00f4ng cho ph\u00e9p c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 n\u1ebfu m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 l\u00e0 \u0111\u1ec3 l\u1ea5y n\u1ee3 m\u1edbi tr\u1ea3 n\u1ee3 c\u0169 v\u00e0 do \u0111\u00f3 l\u00e0m m\u1ea5t \u0111i d\u1ea5u v\u1ebft c\u1ee7a n\u1ee3 x\u1ea5u, nh\u01b0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch l\u00e0 kh\u00f4ng ng\u0103n c\u1ea5m vi\u1ec7c c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 n\u1ebfu c\u00f3 nh\u1eefng l\u00fd do ch\u00ednh \u0111\u00e1ng.<\/p>\n

T\u1ea1i M\u1ef9, lu\u1eadt ph\u00e1p kh\u00f4ng c\u1ea5m \u0111\u1ea3o n\u1ee3, t\u00e1i c\u01a1 c\u1ea5u n\u1ee3, gia h\u1ea1n n\u1ee3…, nh\u01b0ng kho\u1ea3n vay m\u1edbi ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong khu\u00f4n kh\u1ed5 ch\u00ednh \u0111\u00e1ng. R\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 \u1edf M\u1ef9, ch\u1eb3ng h\u1ea1n c\u00f3 n\u1ee3 c\u0169 l\u00e3i su\u1ea5t 10%, DN xin vay m\u1ed9t kho\u1ea3n n\u1ee3 m\u1edbi v\u1edbi s\u1ed1 ti\u1ec1n t\u01b0\u01a1ng t\u1ef1 \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u0169, nh\u01b0ng l\u00e3i su\u1ea5t n\u1ee3 m\u1edbi gi\u1ea3m xu\u1ed1ng 7% v\u00e0 k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c thay \u0111\u1ed5i \u0111\u1ec3 th\u00edch h\u1ee3p h\u01a1n v\u1edbi \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh m\u1edbi c\u1ee7a DN, c\u00f9ng v\u1edbi \u0111i\u1ec1u ki\u1ec7n th\u1ebf ch\u1ea5p v\u00e0 nh\u1eefng \u0111i\u1ec1u ki\u1ec7n vay d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 bao g\u1ed3m th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, l\u00e3i su\u1ea5t, cho vay m\u1edbi tr\u1ea3 n\u1ee3 c\u0169…, th\u1ef1c ch\u1ea5t ch\u00ednh l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1ea3o n\u1ee3. Tr\u00ean th\u1ef1c t\u1ebf, vi\u1ec7c \u0111\u1ea3o n\u1ee3 s\u1ebd ph\u00e2n bi\u1ec7t theo 2 c\u00e1ch: \u0111\u1ea3o n\u1ee3 theo ngh\u0129a che gi\u1ea5u n\u1ee3 x\u1ea5u, DN kh\u00f4ng th\u1ec3 tr\u1ea3 n\u1ee3 vay nh\u01b0ng ng\u00e2n h\u00e0ng v\u1eabn k\u00e9o d\u00e0i kho\u1ea3n n\u1ee3 \u0111\u1ec3 l\u00e0m \u0111\u1eb9p s\u1ed5 s\u00e1ch, th\u00ec s\u1ebd ph\u1ea3i c\u1ea5m; c\u00f2n \u0111\u1ea3o n\u1ee3 theo ngh\u0129a v\u1ec1 s\u1ea3n xu\u1ea5t – kinh doanh nh\u01b0 DN b\u1ecb kh\u00f3 kh\u0103n t\u1ea1m th\u1eddi, kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec ng\u00e2n h\u00e0ng s\u1ebd k\u00e9o d\u00e0i n\u1ee3. \u0110\u00f3 c\u0169ng l\u00e0 b\u1ea3n ch\u1ea5t c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, sinh ra l\u00e0 \u0111\u1ec3 \u0111\u1ea3o n\u1ee3, DN h\u1ebft vay m\u00f3n n\u00e0y l\u1ea1i tr\u1ea3 m\u00f3n kia v\u00e0 v\u00f2ng quay nh\u01b0 v\u1eady lu\u00f4n xoay, ch\u1ee9 kh\u00f4ng bao gi\u1edd d\u1ee9t \u0111i\u1ec3m.<\/p>\n

<\/em>Theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng t\u00e1i c\u01a1 c\u1ea5u vay n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng r\u1ea5t b\u00ecnh th\u01b0\u1eddng. C\u00e2u h\u1ecfi quan tr\u1ecdng nh\u1ea5t \u1edf \u0111\u00e2y, theo \u00f4ng Ph\u1ea1m H\u1ed3ng H\u1ea3i – Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng TNHH m\u1ed9t th\u00e0nh vi\u00ean HSBC, l\u00e0 vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u n\u00e0y c\u00f3 gi\u00fap kh\u00e1ch h\u00e0ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 trong t\u01b0\u01a1ng lai hay kh\u00f4ng? V\u00ed d\u1ee5, kh\u00e1ch h\u00e0ng \u0111ang n\u1ee3 1 t\u1ef7 \u0111\u1ed3ng, m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng nh\u1eefng ng\u00e2n h\u00e0ng gia h\u1ea1n kho\u1ea3n n\u1ee3, m\u00e0 c\u00f2n cho vay th\u00eam, \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ho\u00e0n th\u00e0nh xong d\u1ef1 \u00e1n, c\u00f3 th\u1ec3 tr\u1ea3 \u0111\u01b0\u1ee3c ti\u1ec1n. Ho\u1eb7c ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u00f2i 500 tri\u1ec7u \u0111\u1ed3ng, 500 tri\u1ec7u \u0111\u1ed3ng c\u00f2n l\u1ea1i gi\u00e3n ra.<\/p>\n

“Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng d\u1ef1a tr\u00ean quan \u0111i\u1ec3m b\u1eb1ng m\u1ecdi c\u00e1ch h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng \u0111\u1ec3 kh\u00e1ch h\u00e0ng ho\u1eb7c th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n, ho\u1eb7c t\u1ed1t h\u01a1n n\u1eefa l\u00e0 kinh doanh hi\u1ec7u qu\u1ea3, t\u1eeb \u0111\u00f3 l\u1ee3i cho ch\u00ednh ng\u00e2n h\u00e0ng, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 thu h\u1ed3i ti\u1ec1n, b\u00ean c\u1ea1nh \u0111\u00f3 c\u1ee7ng c\u1ed1 quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng. Do v\u1eady, vi\u1ec7c gi\u00fap kh\u00e1ch h\u00e0ng m\u00e0 \u0111\u1ea3m b\u1ea3o ng\u00e2n h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i to\u00e0n b\u1ed9 s\u1ed1 n\u1ee3 hay m\u1ed9t ph\u1ea7n n\u1ee3 th\u00ec n\u00ean l\u00e0m. \u0110\u00f3 l\u00e0 vi\u1ec7c r\u1ea5t b\u00ecnh th\u01b0\u1eddng”, \u00f4ng H\u1ea3i nh\u1ea5n m\u1ea1nh.<\/p>\n

Nh\u01b0ng c\u1ea7n th\u1eadn tr\u1ecdng<\/strong><\/p>\n

Trao \u0111\u1ed5i v\u1edbi \u0110TCK, l\u00e3nh \u0111\u1ea1o m\u1ed9t ng\u00e2n h\u00e0ng cho bi\u1ebft, hi\u1ec7n ng\u00e2n h\u00e0ng \u00f4ng \u0111ang d\u01b0 kho\u1ea3ng 10.000 t\u1ef7 \u0111\u1ed3ng, nh\u01b0ng kh\u00f4ng d\u00e1m cho vay. M\u1eb7t kh\u00e1c, r\u1ea5t nhi\u1ec1u DN hi\u1ec7n nay c\u0169ng kh\u00f4ng d\u00e1m vay, b\u1edfi h\u00e0ng t\u1ed3n kho c\u00f2n qu\u00e1 nhi\u1ec1u, s\u1ea3n xu\u1ea5t ti\u1ebfp s\u1ee3 kh\u00f4ng ai mua. Gi\u00e1m \u0111\u1ed1c m\u1ed9t DN s\u1ea3n xu\u1ea5t – kinh doanh bao b\u00ec \u1edf \u0110\u1ed3ng Nai chia s\u1ebb, DN \u00f4ng t\u1eeb th\u00e1ng 4 tr\u1edf l\u1ea1i \u0111\u00e2y t\u1ed3n kho 100%, d\u00f9 \u0111\u00e3 gi\u1ea3m 60% c\u00f4ng su\u1ea5t, n\u00ean m\u1ecdi ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t \u0111ang ph\u1ea3i t\u1ea1m d\u1eebng v\u00e0 ch\u1edd \u0111\u1ee3i.<\/p>\n

“Hi\u1ec7n t\u1ea1i, ch\u1eb3ng ng\u00e2n h\u00e0ng n\u00e0o d\u00e1m huy \u0111\u1ed9ng v\u1edbi l\u00e3i su\u1ea5t cao, v\u00ec kh\u00f4ng mu\u1ed1n ti\u1ebfp t\u1ee5c \u00f4m \u0111\u1ed1ng ti\u1ec1n v\u00e0o m\u00e0 bi\u1ebft ch\u1eafc kh\u00f3 c\u00f3 th\u1ec3 l\u00e0m g\u00ec \u0111\u1ec3 c\u00f3 l\u1ee3i nhu\u1eadn ph\u00f9 h\u1ee3p. \u0110\u1ed1i v\u1edbi c\u00e1c DN \u0111i vay th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, kh\u00f4ng \u00edt trong s\u1ed1 \u0111\u00f3 ch\u1eafc ch\u1eafn ch\u1ec9 l\u00e0 \u0111\u1ec3 c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3”, v\u1ecb l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng tr\u00ean nh\u1eadn \u0111\u1ecbnh.<\/p>\n

“Theo Ngh\u1ecb quy\u1ebft 13, kh\u00f4ng ph\u1ea3i DN n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3. Do v\u1eady, quan tr\u1ecdng l\u00e0 vi\u1ec7c ng\u00e2n h\u00e0ng l\u00e0m c\u00f3 nh\u1eb1m m\u1ee5c \u0111\u00edch cu\u1ed1i c\u00f9ng \u0111\u1ec3 kh\u00e1ch h\u00e0ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 cho m\u00ecnh hay kh\u00f4ng? B\u1ea3n th\u00e2n h\u00e0nh \u0111\u1ed9ng \u0111\u00f3 kh\u00f4ng h\u1ec1 sai, nh\u01b0ng n\u1ebfu l\u1ea1m d\u1ee5ng theo ki\u1ec3u mu\u1ed1n gi\u1ea5u n\u1ee3 x\u1ea5u s\u1ebd th\u00e0nh sai”, \u00f4ng H\u1ea3i n\u00f3i.<\/p>\n

TS. Hi\u1ebfu nh\u1ea5n m\u1ea1nh, ng\u00e2n h\u00e0ng khi t\u00e1i c\u01a1 c\u1ea5u n\u1ee3 ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng \u0111\u00f3 c\u00f3 kh\u1ea3 n\u0103ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u00f9ng \u0111\u1ec3 l\u00e0m m\u1eadp m\u1edd s\u1ed5 s\u00e1ch, kh\u00f4ng ph\u1ea3i x\u00e0o n\u1ea5u s\u1ed1 li\u1ec7u \u0111\u1ec3 m\u00f3n n\u1ee3 tr\u1edf n\u00ean “\u0111\u1eb9p” h\u01a1n. Chuy\u1ec7n n\u00e0y \u0111\u01b0a \u0111\u1ebfn r\u1ee7i ro c\u00f3 r\u1ea5t nhi\u1ec1u kho\u1ea3n n\u1ee3 \u0111\u00e1ng l\u00fd ra \u0111\u00e3 qu\u00e1 h\u1ea1n ph\u1ea3i chuy\u1ec3n xu\u1ed1ng nh\u00f3m n\u1ee3 x\u1ea5u, th\u00ec c\u00e1ch gi\u00e3n n\u1ee3 v\u00e0 \u0111\u1ea3o n\u1ee3 l\u00e0m cho c\u00e1c m\u00f3n n\u1ee3 \u0111\u00f3 tr\u1edf th\u00e0nh n\u1ee3 t\u1ed1t, ch\u1ea5t l\u01b0\u1ee3ng c\u00e1c m\u00f3n n\u1ee3 \u0111\u01b0\u1ee3c gi\u1eef t\u1ed1t m\u1ed9t c\u00e1ch gi\u1ea3 t\u1ea1o. Nh\u01b0ng v\u1ea5n \u0111\u1ec1 \u0111\u1eb1ng sau quan tr\u1ecdng h\u01a1n l\u00e0 n\u1ebfu n\u1ee3 x\u1ea5u c\u1ee9 t\u1ee5t t\u1eeb 3 xu\u1ed1ng 4, xu\u1ed1ng 5, r\u1ee7i ro t\u00edn d\u1ee5ng t\u0103ng l\u00ean \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c bu\u1ed9c ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea9y chi ph\u00ed d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u0103ng t\u01b0\u01a1ng \u1ee9ng.<\/p>\n

“N\u1ebfu ng\u00e2n h\u00e0ng gi\u1eef n\u1ee3 x\u1ea5u \u1edf nh\u00f3m 2, \u0111\u1eb7c bi\u1ec7t n\u1ebfu gi\u1eef \u0111\u01b0\u1ee3c \u1edf nh\u00f3m 1 th\u00ec chi ph\u00ed d\u1ef1 ph\u00f2ng r\u1ee7i ro r\u1ea5t th\u1ea5p, ch\u1ec9 0,75%, ngh\u0129a l\u00e0 ng\u00e2n h\u00e0ng ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n chi ph\u00ed kh\u00f4ng nh\u1ecf. \u0110\u00f3 l\u00e0 m\u1ed9t \u0111\u1ed9ng c\u01a1 c\u00f3 kh\u1ea3 n\u0103ng d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng l\u1ea1m d\u1ee5ng Ngh\u1ecb quy\u1ebft 13”, TS. Hi\u1ebfu n\u00f3i.<\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00eau quan \u0111i\u1ec3m: “Th\u1ef1c t\u1ebf cho th\u1ea5y, ranh gi\u1edbi gi\u1eefa \u0111\u1ea3o n\u1ee3 \u0111\u1ec3 che gi\u1ea5u n\u1ee3 x\u1ea5u v\u1edbi \u0111\u1ea3o n\u1ee3 \u0111\u1ec3 s\u1ea3n xu\u1ea5t r\u1ea5t kh\u00f3 ph\u00e2n bi\u1ec7t v\u00e0 \u0111\u1eb7c bi\u1ec7t c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ea1o \u0111\u1ee9c, quan \u0111i\u1ec3m… c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng”.
\n<\/em>
\n“Tuy nhi\u00ean, \u0111\u1eebng nh\u1ea7m t\u01b0\u1edfng \u0111\u1ec3 c\u00f3 con s\u1ed1 n\u1ee3 x\u1ea5u \u0111\u1eb9p th\u00ec c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng y\u00ean t\u00e2m h\u01a1n, th\u1ecb tr\u01b0\u1eddng nh\u00ecn v\u00e0o th\u1ea5y tin t\u01b0\u1edfng h\u01a1n, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng d\u1ec5 \u0111i\u1ec1u khi\u1ec3n h\u1ec7 th\u1ed1ng h\u01a1n…, v\u00ec b\u1ea3n ch\u1ea5t c\u1ee7a n\u1ec1n kinh t\u1ebf, b\u1ea3n ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1 s\u1ebd l\u1ea1i nguy hi\u1ec3m h\u01a1n. Ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 DN, hai b\u00ean lu\u00f4n ph\u1ea3i d\u1ef1a v\u00e0o nhau, quan h\u1ec7 m\u1eadt thi\u1ebft, s\u1ed1ng c\u00f2n v\u1edbi nhau. Tr\u1ea1ng ch\u1ebft th\u00ec Ch\u00faa c\u0169ng b\u0103ng h\u00e0”, m\u1ed9t chuy\u00ean gia kinh t\u1ebf n\u00f3i.
\n<\/em>
\nH\u1ed3ng Dung<\/em><\/strong><\/p>\n

————————————<\/p>\n

\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n 27-5-2012:<\/em><\/strong>","protected":false},"excerpt":{"rendered":"

(\u0110TCK) – Ngh\u1ecb quy\u1ebft s\u1ed1 13\/NQ-CP c\u1ee7a Ch\u00ednh ph\u1ee7 cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho DN vay v\u1ed1n ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t – kinh doanh. \u0110\u00e2y l\u00e0 quy\u1ebft \u0111\u1ecbnh \u0111\u00fang, c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 c\u0169ng \u0111\u00e3 c\u00f3 ti\u1ec1n l\u1ec7, nh\u01b0ng ranh gi\u1edbi gi\u1eefa \u0111\u1ea3o […]<\/p>\n","protected":false},"author":3,"featured_media":31820,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n294. C\u01a1 c\u1ea5u l\u1ea1i v\u1ed1n cho vay: L\u1ee3i d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3o n\u1ee3 - 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\/294-co-cau-lai-von-cho-vay-loi-dung-de-dao-no\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]294. 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