{"id":31822,"date":"2012-06-12T10:53:58","date_gmt":"2012-06-12T03:53:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31822"},"modified":"2022-07-05T10:56:02","modified_gmt":"2022-07-05T03:56:02","slug":"295-phap-luat-ve-von-vay-bo-tay-doanh-nghiep","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/295-phap-luat-ve-von-vay-bo-tay-doanh-nghiep\/","title":{"rendered":"295. Ph\u00e1p lu\u1eadt v\u1ec1 v\u1ed1n vay \u201cb\u00f3 tay\u201c doanh nghi\u1ec7p"},"content":{"rendered":"(PLVN) – C\u00e1c qui \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh \u0111ang g\u00e2y kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p.\u00a0<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Doanh nghi\u1ec7p \u0111ang r\u1ea5t kh\u00f3 kh\u0103n ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ng\u00e2n h\u00e0ng kh\u00f4ng m\u1eb7n m\u00e0<\/strong><\/p>\n

Theo \u0111i\u1ec1u tra c\u1ee7a B\u1ed9 KH&\u0110T, hi\u1ec7n ch\u1ec9 c\u00f3 kho\u1ea3ng 30% DN nh\u1ecf v\u00e0 v\u1eeba c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng, 30% kh\u00f3 ti\u1ebfp c\u1eadn v\u00e0 s\u1ed1 c\u00f2n l\u1ea1i kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n

D\u00f9 c\u00f3 vay \u0111\u01b0\u1ee3c v\u1ed1n th\u00ec kh\u00f3 kh\u0103n ch\u1ed3ng l\u00ean kh\u00f3 kh\u0103n khi DN ph\u1ea3i duy tr\u00ec \u0111\u01b0\u1ee3c kho\u1ea3n vay, tr\u1ea3 \u0111\u01b0\u1ee3c l\u00e3i cho ng\u00e2n h\u00e0ng \u0111\u1ec3 gi\u1eef uy t\u00edn cho nh\u1eefng l\u1ea7n l\u00e0m \u0103n sau.<\/p>\n

Trong khi \u0111\u00f3, l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng r\u1ea5t cao. M\u1eb7c d\u00f9 tr\u1ea7n l\u00e3i su\u1ea5t ti\u1ec1n vay theo Th\u00f4ng t\u01b0 14 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1edbi ban h\u00e0nh ch\u1ec9 \u1edf m\u1ee9c 15%\/n\u0103m, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 11% nh\u01b0ng ng\u00e2n h\u00e0ng v\u1eabn \u201cv\u01b0\u1ee3t r\u00e0o\u201d khi ch\u00e8o k\u00e9o kh\u00e1ch g\u1eedi ti\u1ec1n v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n 2% so v\u1edbi l\u00e3i su\u1ea5t tr\u1ea7n khi\u1ebfn l\u00e3i su\u1ea5t cho vay c\u0169ng \u201c\u0111\u1ed9i\u201d l\u00ean theo; c\u00f3 th\u1eddi \u0111i\u1ec3m l\u00ean \u0111\u1ebfn 20-22%, th\u1eadm ch\u00ed 27%\/n\u0103m. DN ch\u1ee7 y\u1ebfu l\u1ea1i ch\u1ec9 vay ng\u1eafn h\u1ea1n v\u00e0 c\u00e0ng ch\u1eadm tr\u1ea3, DN s\u1ebd c\u00e0ng \u201ct\u1ee5t h\u1ea1ng\u201d v\u1ec1 uy t\u00edn trong h\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o CIC c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c vay v\u1ed1n c\u1ee7a DN c\u00e0ng tr\u1edf n\u00ean v\u00f4 v\u1ecdng.<\/p>\n

\u0110i\u1ec3n h\u00ecnh nh\u01b0 c\u00e1c DN xi m\u0103ng v\u00e0o th\u1eddi \u0111i\u1ec3m n\u0103m 2011 \u0111\u1ec1u l\u1ed7 (tr\u1eeb xi m\u0103ng Ho\u00e0ng Th\u1ea1ch) c\u0169ng do ngu\u1ed3n tr\u1ea3 n\u1ee3 ch\u00ednh l\u00e0 l\u1ea5y t\u1eeb kh\u1ea5u hao, do kh\u1ea5u hao t\u00e0i s\u1ea3n \u0111\u1ebfn 20 n\u0103m m\u00e0 Ng\u00e2n h\u00e0ng thu l\u00e3i ch\u1ec9 trong 6-7 n\u0103m n\u00ean \u201cm\u1ea5t c\u00e2n \u0111\u1ed1i, kh\u00f4ng c\u00f3 ngu\u1ed3n tr\u1ea3 n\u1ee3\u201d. Hay c\u00f3 Cty th\u00e9p \u0111ang vay ng\u00e2n h\u00e0ng 10 t\u1ef7 \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t 12%\/n\u0103m, tr\u1ea3 l\u00e3i 10 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng nh\u01b0ng gi\u1edd ph\u1ea3i tr\u1ea3 \u0111\u1ebfn 200 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng m\u00e0 v\u1eabn ph\u1ea3i vay v\u00ec n\u1ebfu kh\u00f4ng s\u1ebd kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng cung c\u1ea5p th\u00e9p cho kh\u00e1ch h\u00e0ng theo h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd.<\/p>\n

V\u1edbi t\u00ecnh tr\u1ea1ng \u0111\u00f3, ng\u00e2n h\u00e0ng b\u1ecb \u201cl\u00ean \u00e1n\u201d l\u00e0 \u201cs\u1ed1ng tr\u00ean l\u01b0ng DN, \u0103n h\u1ebft ph\u1ea7n c\u1ee7a DN\u201d. Tuy nhi\u00ean, LS.Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (Cty Lu\u1eadt ANVI) kh\u1eb3ng \u0111\u1ecbnh: \u201ckh\u00f4ng c\u00f3 chuy\u1ec7n, kh\u00f3 kh\u0103n th\u00ec ch\u1ec9 DN ch\u1ebft, c\u00f2n ng\u00e2n h\u00e0ng s\u1ed1ng. DN ch\u1ebft theo ki\u1ec3u c\u1ee7a DN, ng\u00e2n h\u00e0ng ch\u1ebft ki\u1ec3u c\u1ee7a ng\u00e2n h\u00e0ng: Ch\u1ebft b\u00ed m\u1eadt v\u00e0 l\u1eb7ng l\u1ebd\u201d.<\/em><\/p>\n

Ch\u1eb3ng ng\u00e2n h\u00e0ng n\u00e0o mu\u1ed1n l\u00e3i su\u1ea5t cao b\u1edfi \u201cl\u00e3i c\u00e0ng cao, kh\u00e1ch h\u00e0ng c\u00e0ng kh\u00f3 tr\u1ea3 n\u1ee3 v\u00e0 ng\u00e2n h\u00e0ng c\u00e0ng kh\u00f3 thu h\u1ed3i v\u1ed1n\u201d. Nh\u01b0ng, ng\u00e2n h\u00e0ng c\u0169ng ch\u1ec9 l\u00e0 \u201cDN bu\u00f4n ti\u1ec1n\u201d, vay ti\u1ec1n ch\u1ed7 n\u00e0y, cho vay ch\u1ed7 kh\u00e1c, \u0103n l\u00e3i n\u00ean kh\u00f3 c\u00f3 th\u1ec3 l\u00e0 \u201cng\u01b0 \u00f4ng \u0111\u1eafc l\u1ee3i\u201d khi ph\u1ea3i gi\u1eb1ng co trong th\u1ebf tr\u1eadn c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, l\u00e3i su\u1ea5t tr\u1ea7n v\u00e0 doanh thu.<\/em><\/p>\n

Mu\u1ed1n vay ng\u00e2n h\u00e0ng, DN ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 ph\u01b0\u01a1ng \u00e1n kinh doanh h\u1ee3p l\u00fd song theo c\u00e1c DN, th\u1ee7 t\u1ee5c cho vay l\u00e2u \u0111\u1ebfn n\u1ed7i, c\u00f3 tr\u01b0\u1eddng h\u1ee3p ph\u01b0\u01a1ng \u00e1n kinh doanh c\u1ee7a DN t\u1eeb ch\u1ed7 \u201ch\u1ee3p l\u00fd\u201d tr\u1edf th\u00e0nh \u201ckh\u00f4ng h\u1ee3p l\u00fd\u201d b\u1edfi nh\u1eefng y\u1ebfu t\u1ed1 kh\u00e1ch quan t\u00e1c \u0111\u1ed9ng trong th\u1eddi gian ch\u1edd ng\u00e2n h\u00e0ng\u2026 ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c cho vay. B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea3 tr\u01b0\u1eddng h\u1ee3p c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng ch\u1eafc c\u00f3 th\u1ec3 thu h\u1ed3i n\u1ee3; c\u00f3 nhi\u1ec1u v\u1ee5 x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 khi ph\u1ea3i 5-10 n\u0103m m\u1edbi xong; n\u1ebfu l\u00e0 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba th\u00ec c\u1ef1c k\u1ef3 kh\u00f3 kh\u0103n, nh\u1ea5t l\u00e0 n\u1ebfu TA ph\u00e1n quy\u1ebft vi\u1ec7c th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba v\u00f4 hi\u1ec7u th\u00ec m\u1ecdi r\u1ee7i ro \u0111\u1ed5 l\u00ean ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Tr\u01b0\u1eddng h\u1ee3p Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng Vi\u1ec7t Nam (VCB) l\u00e0 m\u1ed9t v\u00ed d\u1ee5 khi TA ph\u00e1n quy\u1ebft ch\u1ec9 c\u00f4ng nh\u1eadn nh\u1eefng giao d\u1ecbch vay ti\u1ec1n th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba gi\u1eefa kh\u00e1ch h\u00e0ng v\u1edbi VCB tr\u01b0\u1edbc ng\u00e0y 1\/4\/2002, c\u00f2n c\u00e1c giao d\u1ecbch sau th\u1eddi \u0111i\u1ec3m \u0111\u00f3 l\u00e0 v\u00f4 hi\u1ec7u khi\u1ebfn VCB \u0111ang \u201cch\u1ebft \u0111\u1ee9ng ch\u1ebft ng\u1ed3i\u201d tr\u01b0\u1edbc nguy c\u01a1 v\u1ec1 m\u1ed9t kho\u1ea3n n\u1ee3 x\u1ea5u kh\u1ed5ng l\u1ed3.<\/p>\n

 <\/p>\n

Mu\u1ed1n \u0111i vay ngo\u00e0i c\u0169ng kh\u00f4ng xong<\/strong><\/p>\n

Trong khi ng\u00e2n h\u00e0ng \u0111au kh\u1ed5 v\u00ec ti\u1ec1n v\u1ed1n d\u01b0 th\u1eeba, \u1ebf \u1ea9m (\u0111\u1ecdng v\u1ed1n) th\u00ec c\u00e1c DN kh\u00f4ng ch\u1ecbu \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t \u0111\u00e3 ph\u1ea3i t\u1ef1 xoay x\u1edf. Kh\u00f4ng nhi\u1ec1u DN c\u00f3 m\u1eb7t b\u1eb1ng cho thu\u00ea \u0111\u1ec3 \u201cl\u1ea5y ng\u1eafn nu\u00f4i d\u00e0i\u201d nh\u01b0 Cty CP Th\u01b0\u01a1ng m\u1ea1i Tr\u00e0ng Ti\u1ec1n n\u00ean huy \u0111\u1ed9ng v\u1ed1n (d\u01b0\u1edbi d\u1ea1ng \u0111i vay) trong c\u00e1n b\u1ed9, c\u00f4ng nh\u00e2n vi\u00ean hay c\u00e1c t\u1ea7ng l\u1edbp nh\u00e2n d\u00e2n l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c nhi\u1ec1u DN t\u1eadn d\u1ee5ng. N\u1ebfu c\u00f3 th\u1ec3 huy \u0111\u1ed9ng 100 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi th\u00ec DN c\u0169ng c\u00f3 th\u1ec3 c\u00f3 s\u1ed1 v\u1ed1n t\u1ed1i \u0111a kho\u1ea3ng 50 t\u1ef7 \u0111\u1ed3ng n\u1ebfu vay \u0111\u01b0\u1ee3c c\u1ee7a 500 ng\u01b0\u1eddi.<\/p>\n

Song \u00edt DN c\u00f3 th\u1ec3 khai th\u00e1c ngu\u1ed3n v\u1ed1n n\u00e0y v\u00ec b\u1ecb \u201cb\u00f3 ch\u00e2n\u201d b\u1edfi nh\u1eefng qui \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Theo c\u00e1c DN, qui \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n hi\u1ec7n h\u00e0nh, \u201cl\u1ed7i\u201d c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 ch\u1ec9 l\u00e0 ph\u1ee5 m\u00e0 \u201cl\u1ed7i\u201d c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1edbi l\u00e0 ch\u00ednh. Quy \u0111\u1ecbnh l\u00e3i su\u1ea5t (kho\u1ea3n 1 \u0110i\u1ec1u 476) trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u00e0 \u0111\u1ec3 “ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i” v\u00e0 \u00e1p d\u1ee5ng nh\u01b0 nhau \u0111\u1ed1i v\u1edbi c\u1ea3 c\u00e1 nh\u00e2n, c\u00e1c DN v\u00e0 c\u00e1c TCTD.<\/p>\n

\u0110\u00e2y c\u0169ng l\u00e0 nguy\u00ean nh\u00e2n m\u00e0 theo b\u00e0 D\u01b0\u01a1ng Thu H\u01b0\u01a1ng (T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i ng\u00e2n h\u00e0ng Vi\u1ec7t Nam) \u0111\u00e3 l\u00e0m ho\u1ea1t \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng trong th\u1eddi gian qua b\u1ecb m\u00e9o m\u00f3, \u1ea3nh h\u01b0\u1edfng kh\u00f4ng thu\u1eadn l\u1ee3i \u0111\u1ebfn vi\u1ec7c gi\u00fap cho th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 ph\u00e1t tri\u1ec3n theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. \u0110i\u1ec1u \u0111\u00f3 c\u0169ng c\u00f3 ngh\u0129a l\u00e0 qui \u0111\u1ecbnh n\u00e0y c\u1ea7n ph\u1ea3i s\u1eeda \u0111\u1ec3 c\u00e1c giao d\u1ecbch ti\u1ec1n t\u1ec7, t\u00e0i ch\u00ednh kh\u00f4ng b\u1ecb nh\u1ed1t trong chi\u1ebfc c\u0169i h\u1eb9p l\u00e0 qui \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t, \u0111\u1ea3m b\u1ea3o h\u01a1n t\u00ednh th\u1ecb tr\u01b0\u1eddng v\u00e0 \u0111\u1ec1 cao y\u1ebfu t\u1ed1 th\u1ecfa thu\u1eadn b\u00ecnh \u0111\u1eb3ng c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tham gia giao d\u1ecbch.<\/p>\n

H\u01a1n n\u1eefa, ch\u00ednh qui \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 9% khi\u1ebfn c\u00e1c DN kh\u00f4ng th\u1ec3 huy \u0111\u1ed9ng v\u1ed1n trong d\u00e2n. B\u1edfi l\u1ebd, qui \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh kh\u00f4ng cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t qu\u00e1 150% so l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. V\u1edbi l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n hi\u1ec7n h\u00e0nh l\u00e0 9% th\u00ec c\u00e1c DN ch\u1ec9 c\u00f3 th\u1ec3 huy \u0111\u1ed9ng v\u1ed1n trong d\u00e2n v\u1edbi l\u00e3i su\u1ea5t d\u01b0\u1edbi 14%.<\/p>\n

Trong khi \u0111\u00f3, NHNN cho ph\u00e9p c\u00e1c TCTD \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn \u201cv\u00f4 bi\u00ean\u201d \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh. C\u00f3 nh\u1eefng th\u1eddi \u0111i\u1ec3m, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng l\u00ean \u0111\u1ebfn h\u01a1n 14% l\u00e0m DN \u0111i\u00eau \u0111\u1ee9ng, kh\u00f4ng th\u1ec3 t\u00ecm \u0111\u00e2u ra v\u1ed1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 s\u1ea3n xu\u1ea5t, kinh doanh.<\/p>\n

Th\u1eadm ch\u00ed, \u0111\u1ec3 \u201cc\u1ee9u\u201d DN, Ch\u00ednh ph\u1ee7 c\u0169ng \u0111\u00e3 \u201cb\u1eadt \u0111\u00e8n xanh\u201d cho ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng c\u1ea3 h\u00ecnh th\u1ee9c vay \u0111\u1ea3o n\u1ee3. D\u00f9 tr\u00e1i nguy\u00ean l\u00fd cho vay, nh\u01b0ng \u0111\u00e2y l\u00e0 m\u1ed9t \u201ctruy\u1ec1n th\u1ed1ng\u201d \u0111\u1ea7y r\u1ee7i ro c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng v\u00ec \u0111\u1ebfn nay ch\u01b0a h\u1ec1 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn ch\u00ednh th\u1ee9c. Th\u00eam v\u00e0o \u0111\u00f3, ph\u00e1p lu\u1eadt c\u0169ng cho ph\u00e9p ng\u00e2n h\u00e0ng \u201cc\u01a1i n\u1edbi\u201d vi\u1ec7c \u0111\u00e1nh gi\u00e1 uy t\u00edn c\u1ee7a DN n\u00ean c\u00f3 nh\u1eefng DN \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3 \u0111\u1ebfn 5 l\u1ea7n nh\u01b0ng \u201cquan h\u1ec7 t\u1ed1t\u201d th\u00ec v\u1eabn \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng cho vay x\u1ebfp v\u00e0o nh\u00f3m 1 (n\u1ee3 t\u1ed1t)\u2026<\/p>\n

B\u1edfi ng\u00e2n h\u00e0ng \u0111ang ph\u1ea3i gi\u1eb1ng co gi\u1eefa \u201chai c\u00e1i ch\u1ebft\u201d: \u201c\u00f4m\u201d ti\u1ec1n th\u00ec ch\u1ebft v\u00ec \u0111\u1ecdng v\u1ed1n, cho vay th\u00ec c\u0169ng c\u00f3 th\u1ec3 ch\u1ebft v\u00ec \u201cn\u1ee3 x\u1ea5u\u201d nh\u01b0ng d\u00f9 sao, cho vay \u0111\u01b0\u1ee3c ti\u1ec1n c\u0169ng l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 ng\u00e2n h\u00e0ng thu l\u00e3i d\u00f9 b\u1ea5p b\u00eanh. V\u00e0 duy tr\u00ec \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng th\u00e2n thi\u1ebft c\u0169ng l\u00e0 \u201cc\u00e1i phao\u201d \u0111\u1ec3 ng\u00e2n h\u00e0ng t\u1ed3n t\u1ea1i trong \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf kh\u00f3 kh\u0103n v\u00e0 c\u00e1c qui \u0111\u1ecbnh v\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay d\u00f9 ch\u1eb7t ch\u1ebd \u0111\u1ebfn \u0111\u00e2u v\u1eabn c\u00f3 nguy c\u01a1 b\u1ecb l\u1ea1m d\u1ee5ng \u0111\u1ec3 tr\u1ee5c l\u1ee3i.<\/em><\/p>\n

M\u1ed1i quan h\u1ec7 gi\u1eefa DN v\u00e0 ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 m\u1ed1i quan h\u1ec7 gi\u1eefa l\u00e3i su\u1ea5t cho vay v\u00e0 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng l\u00e0 \u201cc\u00f9ng h\u1ed9i c\u00f9ng thuy\u1ec1n\u201d. \u201c\u0110i\u1ec1u ch\u1ec9nh m\u1ed1i quan h\u1ec7 n\u00e0y c\u1ea7n \u0111\u1ebfn nh\u1eefng c\u00f4ng c\u1ee5 kinh t\u1ebf theo qui lu\u1eadt th\u1ecb tr\u01b0\u1eddng. Ch\u00fang ch\u1ec9 h\u1ebft chao \u0111\u1ea3o khi th\u1ecb tr\u01b0\u1eddng h\u1ed3i sinh v\u00e0 l\u00e3i su\u1ea5t th\u1ef1c s\u1ef1 v\u1ec1 \u0111\u00fang gi\u00e1 c\u1ea3 c\u1ee7a n\u00f3\u201d \u2013 LS.Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh.<\/em><\/p>\n

 <\/p>\n

Huy Anh\u00a0<\/strong><\/p>\n

(Thanh Lan)<\/p>\n

————————————<\/p>\n

Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam 12-6-2012:<\/em><\/strong><\/p>\n

http:\/\/www.phapluatvn.vn\/kinh-doanh\/thi-truong\/201206\/Phap-luat-ve-von-vay-bo-tay-doanh-nghiep-2067833\/<\/a><\/em>","protected":false},"excerpt":{"rendered":"

(PLVN) – C\u00e1c qui \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh \u0111ang g\u00e2y kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p.\u00a0 Doanh nghi\u1ec7p \u0111ang r\u1ea5t kh\u00f3 kh\u0103n ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n Ng\u00e2n h\u00e0ng kh\u00f4ng m\u1eb7n m\u00e0 Theo \u0111i\u1ec1u tra c\u1ee7a B\u1ed9 KH&\u0110T, hi\u1ec7n ch\u1ec9 c\u00f3 kho\u1ea3ng 30% DN nh\u1ecf v\u00e0 v\u1eeba c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng, 30% […]<\/p>\n","protected":false},"author":3,"featured_media":31824,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31822","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n295. 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