{"id":33082,"date":"2013-09-07T11:51:57","date_gmt":"2013-09-07T04:51:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=33082"},"modified":"2022-07-18T11:53:57","modified_gmt":"2022-07-18T04:53:57","slug":"399-ly-giai-lo-hong-khien-tin-dung-den-tung-hoanh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/399-ly-giai-lo-hong-khien-tin-dung-den-tung-hoanh\/","title":{"rendered":"399. L\u00fd gi\u1ea3i l\u1ed7 h\u1ed5ng khi\u1ebfn t\u00edn d\u1ee5ng \u0111en… tung ho\u00e0nh"},"content":{"rendered":"(N\u0110T) – \u0110\u00e2u l\u00e0 k\u1ebd h\u1edf \u0111\u1ec3 nh\u1eefng k\u1ebb x\u1ea5u l\u1ee3i d\u1ee5ng ph\u00e1p lu\u1eadt l\u00e0m gi\u00e0u t\u1eeb t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c m\u1ed9t c\u00e1ch \u0111\u00fang lu\u1eadt? C\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt c\u1ea7n l\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a c\u00e1c n\u1ea1n nh\u00e2n v\u00e0 x\u1eed l\u00fd \u0111\u1ed1i t\u01b0\u1ee3ng vi ph\u1ea1m b\u1eb1ng lu\u1eadt H\u00ecnh s\u1ef1?<\/strong><\/p>\n

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M\u00e0n k\u1ecbch c\u1ee7a \u201cqu\u1ef7\u201d v\u00e0 d\u00e0n di\u1ec5n vi\u00ean \u201c\u00e2m binh\u201d<\/strong><\/p>\n

Ch\u01b0a bao gi\u1edd, “c\u01a1n l\u1ed1c” t\u00edn d\u1ee5ng \u0111en “th\u1ed5i” m\u1ea1nh nh\u01b0 nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. N\u00f3 cu\u1ed1n ph\u0103ng h\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m t\u1ef7 \u0111\u1ed3ng – ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb m\u1ed3 h\u00f4i, c\u00f4ng s\u1ee9c – c\u1ee7a nh\u1eefng doanh nh\u00e2n th\u00e0nh \u0111\u1ea1t cho \u0111\u1ebfn nh\u1eefng ng\u01b0\u1eddi n\u00f4ng d\u00e2n ch\u00e2n ch\u1ea5t nh\u1ea5t. Bi k\u1ecbch t\u00edn d\u1ee5ng \u0111en tr\u00e0n t\u1eeb B\u1eafc v\u00e0o Nam, t\u1eeb qu\u00ea ngh\u00e8o \u0111\u1ebfn ph\u1ed1 l\u1edbn. C\u00f3 ng\u01b0\u1eddi \u0111\u00e3 v\u00ed von vay m\u01b0\u1ee3n l\u00e0 k\u1ecbch b\u1ea3n, ph\u00e1p lu\u1eadt l\u00e0 s\u00e2n kh\u1ea5u, d\u00e2n ch\u00fang l\u00e0 kh\u00e1n gi\u1ea3, c\u00f2n ch\u1ee7 n\u1ee3 v\u00e0 con n\u1ee3 l\u00e0 \u0111\u1ea1o di\u1ec5n ki\u00eam di\u1ec5n vi\u00ean.<\/p>\n

\u0110\u1ea7u ti\u00ean l\u00e0 “con m\u1ed3i” si\u00eau l\u00e3i d\u1eabn d\u1ee5 \u0111\u1ec3 “gom” v\u1ed1n, ch\u00fang \u0111\u01b0a ra l\u00e3i su\u1ea5t th\u01b0\u1eddng l\u00e0 d\u0103m b\u1ea3y ch\u1ee5c ph\u1ea7n tr\u0103m m\u1ed7i n\u0103m. Kh\u00f4ng \u00edt kh\u1ed5 ch\u1ee7 \u0111\u00e3 m\u00f3c s\u1ea1ch h\u1ea7u bao, th\u1eadm ch\u00ed b\u00e1n ho\u1eb7c th\u1ebf ch\u1ea5p nh\u00e0 c\u1eeda vay v\u1ed1n ng\u01b0\u1eddi kh\u00e1c \u0111\u1ec3 cho vay l\u1ea1i. Cu\u1ed1i c\u00f9ng tay tr\u1eafng v\u00ec ham, v\u00ec d\u1ea1i, v\u00ec nh\u1eb9 d\u1ea1, c\u1ea3 tin tr\u01b0\u1edbc nh\u1eefng m\u00f3n l\u1ee3i tr\u01b0\u1edbc m\u1eaft, nh\u1eefng l\u1eddi h\u1ee9a h\u1eb9n h\u01b0\u01a1u v\u01b0\u1ee3n v\u1ec1 ti\u1ec1n b\u1ea1c, h\u00e0ng ho\u00e1, d\u1ef1 \u00e1n ho\u00e0nh tr\u00e1ng.<\/p>\n

Qua v\u00e0i “l\u1edbp k\u1ecbch”, di\u1ec5n vi\u00ean nh\u1eadn l\u00e3i ng\u00e0y m\u1ed9t cao h\u01a1n, \u0111\u1ebfn l\u1edbp, di\u1ec5n vi\u00ean ph\u1ea3i \u0111i vay v\u1ed1n, cu\u1ed1i c\u00f9ng th\u00ec l\u00e3i l\u00ean \u0111\u1ec9nh \u0111i\u1ec3m, th\u1ea5p th\u00ec v\u00e0i ngh\u00ecn\/1 tri\u1ec7u \u0111\u1ed3ng, cao th\u00ec t\u1edbi c\u1ea3 ch\u1ee5c ng\u00e0n \u0111\u1ed3ng\/tri\u1ec7u\/ng\u00e0y tr\u1edf l\u00ean, t\u1ee9c t\u1eeb 100 – 200% \u0111\u1ebfn 300 – 400%\/n\u0103m. Ng\u01b0\u1eddi vay th\u1eadt s\u1ef1 kh\u00f4ng l\u00e0m g\u00ec, l\u1ea5y g\u00ec ra \u0111\u1ec3 tr\u1ea3 \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i kh\u1ee7ng nh\u01b0 v\u1eady. V\u00ec v\u1eady, nguy c\u01a1 \u0111\u1ed5 v\u1ee1 doanh nghi\u1ec7p, l\u00e0m \u0103n v\u00e0 gia \u0111\u00ecnh ch\u1ec9 c\u00f2n l\u00e0 ng\u00e0y th\u00e1ng. V\u00e0, ch\u1ec9 c\u1ea7n m\u1ed9t m\u1eaft x\u00edch v\u1ee1 n\u1ee3 l\u00e0 \u0111\u1ee7 \u0111\u1ec3 s\u1ee5p \u0111\u1ed5 c\u1ea3 \u0111\u01b0\u1eddng d\u00e2y t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Nh\u01b0ng kh\u00f4ng ch\u1ec9 c\u00f3 l\u00e3i cao, song h\u00e0nh c\u1ea5u th\u00e0nh n\u00ean t\u00edn d\u1ee5ng \u0111en c\u00f2n ph\u1ea3i k\u00e8m theo y\u1ebfu t\u1ed1 kh\u00f4ng \u201cs\u1ea1ch\u201d v\u00e0 thi\u1ebfu minh b\u1ea1ch, r\u00f5 r\u00e0ng c\u1ee7a nhi\u1ec1u y\u1ebfu t\u1ed1. T\u00edn d\u1ee5ng \u0111en lu\u00f4n l\u00f2ng v\u00f2ng, chuy\u1ec1n qua nhi\u1ec1u di\u1ec5n vi\u00ean, kh\u00f4ng bi\u1ebft vay \u0111\u1ec3 l\u00e0m g\u00ec, kh\u00f4ng bi\u1ebft l\u1ea5y g\u00ec ra m\u00e0 tr\u1ea3 l\u00e3i, lu\u00f4n \u0111i \u0111\u00f4i v\u1edbi giang h\u1ed3, m\u1edd \u00e1m, l\u1eeba \u0111\u1ea3o, \u0111e d\u1ecda, h\u00e0nh hung, c\u01b0\u1ee1ng b\u1ee9c, b\u1ea1o l\u1ef1c.<\/p>\n

T\u00edn d\u1ee5ng \u0111en lu\u00f4n l\u00e0 n\u1ed7i \u00e1m \u1ea3nh \u0111\u1ed1i v\u1edbi m\u1ed7i ng\u01b0\u1eddi d\u00e2n.<\/em><\/p>\n

\u0110\u1eb7c bi\u1ec7t, \u0111\u00e1ng ti\u1ebfc tr\u01b0\u1edbc bi k\u1ecbch c\u1ee7a \u0111au con x\u00f3t, m\u1ed9t s\u1ed1 ch\u1ee7 n\u1ee3 c\u00f2n m\u1ea5t th\u00eam ti\u1ec1n thu\u00ea m\u01b0\u1edbn ng\u01b0\u1eddi \u0111\u00f2i n\u1ee3 h\u00f2ng g\u1ee1 g\u1ea1c ph\u1ea7n n\u00e0o. V\u00e0, kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p t\u1ef1 bi\u1ebfn m\u00ecnh t\u1eeb ch\u1ee7 n\u1ee3 th\u00e0nh t\u1ed9i \u0111\u1ed3, t\u1eeb b\u1ecb h\u1ea1i th\u00e0nh b\u1ecb c\u00e1o, ti\u1ec1n m\u1ea5t, t\u1eadt mang b\u1edfi tr\u00f3t thu\u00ea nh\u1eefng “nh\u00e2n v\u1eadt ph\u1ea3n di\u1ec7n” c\u1ed9m c\u00e1n b\u1eaft gi\u1eef, c\u01b0\u1ee1ng \u0111o\u1ea1t tr\u00e1i ph\u00e9p t\u00e0i s\u1ea3n c\u1ee7a con n\u1ee3.<\/p>\n

C\u00f3 3 nh\u00f3m di\u1ec5n vi\u00ean tham gia v\u00e0o “v\u1edf k\u1ecbch” t\u00edn d\u1ee5ng \u0111en, \u0111\u00f3 l\u00e0 nh\u00f3m ng\u01b0\u1eddi cho vay \u0111\u1ea7u ti\u00ean, nh\u00f3m ng\u01b0\u1eddi \u0111i vay cu\u1ed1i c\u00f9ng v\u00e0 nh\u00f3m ng\u01b0\u1eddi trung gian, \u0111i vay \u0111\u1ec3 cho vay l\u1ea1i. Nh\u00f3m \u0111\u1ea7u v\u00e0 cu\u1ed1i ch\u1ee7 y\u1ebfu l\u00e0 n\u1ea1n nh\u00e2n. Nh\u00f3m gi\u1eefa th\u01b0\u1eddng s\u1eafm vai \u0111\u1ea1o di\u1ec5n ki\u00eam di\u1ec5n vi\u00ean, v\u1eeba l\u00e0 n\u1ea1n nh\u00e2n v\u1eeba l\u00e0 th\u1ee7 ph\u1ea1m. Nh\u00f3m cho vay \u0111\u1ea7u ti\u00ean, t\u1eeba t\u1ef1a nh\u01b0 nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n. Nh\u01b0ng \u0111\u1ea7u t\u01b0 ki\u1ec3u “n\u00e9m” nh\u1ea7m t\u1ea5t c\u1ea3 tr\u1ee9ng v\u00e0o m\u1ed9t gi\u1ecf ch\u1ee9ng kho\u00e1n, “d\u1ed1c” h\u1ebft c\u1ee7a n\u1ea3, nh\u00e0 c\u1eeda v\u00e0o “canh b\u1ea1c t\u00edn d\u1ee5ng” ngo\u00e0i lu\u1ed3ng.<\/p>\n

Ph\u00e1p lu\u1eadt v\u00e0 \u201cs\u00e2n kh\u1ea5u t\u00edn d\u1ee5ng\u201d<\/strong><\/p>\n

Theo \u0111\u00fang c\u00e1ch ph\u00e2n t\u00edch c\u1ee7a lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>: N\u1ebfu ph\u00e1p lu\u1eadt l\u00e0 s\u00e2n kh\u1ea5u di\u1ec5n tu\u1ed3ng, th\u00ec k\u1ecbch b\u1ea3n cho vay n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng di\u1ec5n v\u00e0 c\u1ea5m di\u1ec5n? Soi v\u00e0o \u00e1nh \u0111\u00e8n s\u00e2n kh\u1ea5u, l\u1ed9 ra b\u00ean c\u1ea1nh vi\u1ec7c cho vay m\u1ee9c l\u00e3i th\u1ea5p h\u01a1n huy \u0111\u1ed9ng c\u0169ng vi ph\u1ea1m ph\u00e1p lu\u1eadt, th\u00ec cho vay m\u1ee9c l\u00e3i ng\u1ea5t ng\u01b0\u1edfng c\u0169ng v\u1eabn kh\u00f4ng sai. V\u1edbi t\u00edn d\u1ee5ng \u0111en, ph\u00e1p lu\u1eadt l\u1ea1i c\u00e0ng t\u00f9 m\u00f9 \u0111\u1ebfn m\u1ee9c b\u1ea5t l\u1ef1c, t\u1eeb <\/em>ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng, kinh t\u1ebf, d\u00e2n s\u1ef1, h\u00e0nh ch\u00ednh cho \u0111\u1ebfn h\u00ecnh s\u1ef1.<\/p>\n

Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng nghi\u00eam c\u1ea5m c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, t\u1ee9c l\u00e0 ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n v\u00e0 cho vay. Nh\u01b0ng kh\u00f4ng c\u00f3 ranh gi\u1edbi n\u00e0o ph\u00e2n bi\u1ec7t gi\u1eefa ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n h\u1ee3p ph\u00e1p v\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p \u1edf ngo\u00e0i ng\u00e2n h\u00e0ng. Ri\u00eang l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec \u0111\u01b0\u1ee3c “di\u1ec5n” tr\u00ean “s\u00e2n kh\u1ea5u” ri\u00eang v\u00e0 vi ph\u1ea1m trong m\u1ea3ng n\u00e0y th\u00ec ch\u1ec9 c\u00f3 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) x\u1eed l\u00fd. Nh\u01b0ng x\u01b0a nay, ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd \u0111\u01b0\u1ee3c m\u1ea5y v\u1ee5 v\u00e0 ph\u1ea1t th\u00ec c\u0169ng m\u1edbi ch\u1ec9 v\u00e0i tr\u01b0\u1eddng h\u1ee3p.<\/p>\n

N\u1ebfu c\u1ee9 chi\u1ec3u \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec g\u1ea7n nh\u01b0 100% c\u00e1c h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n \u1edf ngo\u00e0i ng\u00e2n h\u00e0ng \u1edf v\u00e0o t\u00ecnh tr\u1ea1ng ph\u1ea1m lu\u1eadt. Vi ph\u1ea1m tr\u00e0n lan ngo\u00e0i “s\u00e2n kh\u1ea5u ng\u00e2n h\u00e0ng”, ch\u1ec9 khi c\u00f3 ki\u1ec7n c\u00e1o kinh t\u1ebf, d\u00e2n s\u1ef1 ra to\u00e0, m\u1edbi soi x\u00e9t ki\u1ec3m duy\u1ec7t, g\u1ea1t b\u1ecf t\u00ecnh ti\u1ebft n\u00e0o v\u01b0\u1ee3t qu\u00e1 tr\u1ea7n l\u00e3i su\u1ea5t d\u00e2n s\u1ef1 \u0111\u1ec3 x\u1eed l\u00fd.<\/em><\/p>\n

\u0110\u01b0\u01a1ng nhi\u00ean, ph\u00e1p lu\u1eadt bu\u1ed9c con n\u1ee3 c\u00f3 vay c\u00f3 tr\u1ea3, ch\u1ec9 c\u00f3 \u0111i\u1ec1u kh\u00f3 thu h\u1ed3i \u0111\u01b0\u1ee3c “c\u00f4ng c\u1ee5 di\u1ec5n xu\u1ea5t” quan tr\u1ecdng nh\u1ea5t l\u00e0 ti\u1ec1n b\u1ea1c, v\u00e0o l\u00fac bi k\u1ecbch v\u1ee1 n\u1ee3, ph\u00e1 s\u1ea3n \u0111\u00e3 h\u1ea1 m\u00e0n. V\u1ec1 h\u00e0nh ch\u00ednh, n\u1ebfu di\u1ec5n ra k\u1ecbch b\u1ea3n cho vay l\u00e3i cao g\u1ea5p v\u00e0i ba, th\u1eadm ch\u00ed c\u1ea3 ch\u1ee5c l\u1ea7n gi\u1edbi h\u1ea1n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec c\u0169ng ch\u1eb3ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t. V\u00ec ph\u00e1p lu\u1eadt h\u00e0nh ch\u00ednh ch\u01b0a c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t b\u1ea5t k\u1ef3 \u0111\u1ed1i t\u01b0\u1ee3ng cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t.<\/em><\/p>\n

C\u00f2n B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 th\u00ec c\u00f3 m\u1ed9t \u0111i\u1ec1u lu\u1eadt d\u01b0\u1eddng nh\u01b0 ch\u1ec9 \u0111\u1ec3 h\u00f9 d\u1ecda kh\u00e1n gi\u1ea3. M\u1ed9t ng\u01b0\u1eddi ch\u1ec9 c\u00f3 th\u1ec3 ph\u1ea1m v\u00e0o “t\u1ed9i” cho vay l\u00e3i n\u1eb7ng n\u1ebfu \u0111\u1ed3ng th\u1eddi vi ph\u1ea1m hai \u0111i\u1ec1u ki\u1ec7n l\u00e0: Cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh t\u1eeb 10 l\u1ea7n tr\u1edf l\u00ean v\u00e0 c\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t. \u0110i\u1ec1u ki\u1ec7n th\u1ee9 hai ch\u1eb3ng d\u1ec5 ch\u1ee9ng minh, v\u00ec tr\u00ean s\u00e2n kh\u1ea5u t\u00edn d\u1ee5ng \u0111en, bi\u1ebft ai l\u00e0 di\u1ec5n vi\u00ean b\u00f3c l\u1ed9t chuy\u00ean nghi\u1ec7p? Ch\u1ec9 ri\u00eang \u0111i\u1ec1u ki\u1ec7n th\u1ee9 nh\u1ea5t c\u0169ng \u0111\u00e3 l\u00e0m cho “ban gi\u00e1m kh\u1ea3o” r\u01a1i v\u00e0o b\u1ebf t\u1eafc, v\u00ec bi\u1ebft \u0111\u00e2u l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh? Tr\u1ea7n 13,5%\/n\u0103m n\u00f3i tr\u00ean kh\u00f4ng th\u1ec3 coi l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t, v\u00ec ng\u00e2n h\u00e0ng vay c\u1ee7a d\u00e2n c\u00f2n 14%\/n\u0103m.<\/em><\/p>\n

\u201cCanh b\u1ea1c\u201d kh\u00f4ng d\u1ec5 ph\u00e1?<\/strong><\/p>\n

Theo lu\u1eadt s\u01b0 Nguy\u1ec5n Th\u1ebf Truy\u1ec1n – tr\u01b0\u1edfng v\u0103n ph\u00f2ng Lu\u1eadt h\u1ee3p danh Thi\u00ean Thanh th\u00ec, v\u1edbi c\u00e1c ch\u1ee7 n\u1ee3, ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a h\u1ecd r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 l\u00e0m r\u00f5 c\u00f3 mang t\u00ednh ch\u1ea5t “b\u00f3c l\u1ed9t” hay kh\u00f4ng. V\u00ec v\u1eady, cho d\u00f9 l\u00e3i su\u1ea5t cho vay c\u00f3 cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh t\u1eeb 10 l\u1ea7n tr\u1edf l\u00ean, c\u00e1c ch\u1ee7 n\u1ee3 n\u00e0y v\u1eabn kh\u00f4ng b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 v\u1ec1 t\u1ed9i cho vay l\u00e3i n\u1eb7ng theo \u0110i\u1ec1u 163 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1.<\/p>\n

C\u00f2n v\u1edbi con n\u1ee3, khi x\u1ea3y ra t\u00ecnh tr\u1ea1ng v\u1ee1 n\u1ee3 th\u00ec sao? Tr\u01b0\u1edbc h\u1ebft c\u1ea7n ph\u1ea3i ch\u1ee9ng minh con n\u1ee3 c\u00f3 h\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n. Bi\u1ec3u hi\u1ec7n c\u1ee7a h\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t l\u00e0 ch\u1ee7 n\u1ee3 ho\u00e0n to\u00e0n m\u1ea5t kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n c\u00e1c quy\u1ec1n chi\u1ebfm h\u1eefu, s\u1eed d\u1ee5ng, \u0111\u1ecbnh \u0111o\u1ea1t \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u01b0a cho con n\u1ee3. Thay v\u00e0o \u0111\u00f3, ba quy\u1ec1n n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c trao v\u00e0o tay con n\u1ee3 th\u00f4ng qua l\u1ed7i c\u1ed1 \u00fd tr\u1ef1c ti\u1ebfp c\u1ee7a con n\u1ee3.<\/p>\n

\u1ede t\u1ed9i l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n, con n\u1ee3 \u0111\u00e3 c\u00f3 h\u00e0nh vi l\u1eeba d\u1ed1i nh\u1eb1m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n c\u1ee7a ch\u1ee7 n\u1ee3. H\u00e0nh vi l\u1eeba d\u1ed1i n\u00e0y xu\u1ea5t hi\u1ec7n ngay t\u1eeb khi con n\u1ee3 ti\u1ebfp c\u1eadn ch\u1ee7 n\u1ee3. Con n\u1ee3 d\u00f9ng m\u1ecdi th\u1ee7 \u0111o\u1ea1n nh\u01b0 n\u00f3i d\u1ed1i, cung c\u1ea5p gi\u1ea5y t\u1edd gi\u1ea3 m\u1ea1o… \u0111\u1ec3 \u0111\u01b0a ra nh\u1eefng th\u00f4ng tin gi\u1ea3. Do b\u1ecb l\u1eeba d\u1ed1i, ch\u1ee7 n\u1ee3 \u0111\u00e3 tin t\u01b0\u1edfng v\u00e0 giao t\u00e0i s\u1ea3n cho con n\u1ee3. V\u1edbi t\u1ed9i l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n, s\u1ef1 l\u1eeba d\u1ed1i kh\u00f4ng t\u1ed3n t\u1ea1i trong m\u1ed1i quan h\u1ec7 ban \u0111\u1ea7u gi\u1eefa ch\u1ee7 n\u1ee3 v\u00e0 con n\u1ee3. Con n\u1ee3 v\u00e0 ch\u1ee7 n\u1ee3 \u0111\u00e3 th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c v\u1edbi nhau v\u1ec1 vi\u1ec7c x\u00e1c l\u1eadp h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n. Sau \u0111\u00f3, con n\u1ee3 m\u1edbi d\u00f9ng th\u1ee7 \u0111o\u1ea1n gian d\u1ed1i ho\u1eb7c b\u1ecf tr\u1ed1n \u0111\u1ec3 chi\u1ebfm \u0111o\u1ea1t s\u1ed1 ti\u1ec1n vay. C\u0169ng \u0111\u01b0\u1ee3c coi l\u00e0 l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n, n\u1ebfu sau khi x\u00e1c l\u1eadp h\u1ee3p \u0111\u1ed3ng vay, con n\u1ee3 s\u1eed d\u1ee5ng ti\u1ec1n vay v\u00e0o m\u1ee5c \u0111\u00edch b\u1ea5t h\u1ee3p ph\u00e1p d\u1eabn \u0111\u1ebfn kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n. Nh\u01b0ng theo lu\u1eadt s\u01b0 Truy\u1ec1n, \u0111\u1ec3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u n\u00e0y l\u00e0 r\u1ea5t kh\u00f3. V\u00ec v\u1eady, truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 ch\u1ee7 n\u1ee3 l\u1eabn con n\u1ee3 trong c\u00e1c v\u1ee5 vay n\u1ee3 t\u00edn d\u1ee5ng \u0111en h\u1eb3n l\u00e0 kh\u00f4ng d\u1ec5!<\/p>\n\n\n\n
Th\u1eeba \u0111\u1ea5t s\u1ed1ng v\u00e0… s\u1ed1ng kh\u1ecfe!?<\/strong><\/p>\n

Sau m\u1ed9t th\u1eddi gian “l\u1ed9i” trong th\u1ebf gi\u1edbi ng\u1ea7m c\u1ee7a t\u00edn d\u1ee5ng \u0111en, PV “ng\u1ed9” ra r\u1eb1ng, ng\u01b0\u1eddi ta c\u00f3 tr\u0103m ng\u00e0n l\u00fd do c\u1ea7n \u0111\u1ebfn ti\u1ec1n, nh\u01b0ng kh\u00f4ng d\u1ec5 g\u00ec ki\u1ebfm \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n, nh\u1ea5t l\u00e0 v\u1ed1n vay ng\u00e2n h\u00e0ng trong th\u1eddi k\u1ef3 suy tho\u00e1i kinh t\u1ebf, l\u1ea1m ph\u00e1t l\u1edbn, l\u00e3i su\u1ea5t cao, \u0111i\u1ec1u ki\u1ec7n cho vay ch\u1eb7t ch\u1ebd, t\u00edn d\u1ee5ng b\u1ecb si\u1ebft ch\u1eb7t. \u0110\u1ec3 gi\u1ea3i to\u1ea3 “c\u01a1n kh\u00e1t” v\u1ed1n t\u1ed9t \u0111\u1ec9nh, h\u1ecd bu\u1ed9c ph\u1ea3i vay m\u01b0\u1ee3n t\u1ee9 tung v\u00e0 \u0111\u00f3 l\u00e0 l\u00fd do d\u1eabn \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en “th\u1eeba \u0111\u1ea5t s\u1ed1ng” v\u00e0 “s\u1ed1ng c\u1ef1c kho\u1ebb”. Kh\u00f4ng ph\u1ea3i c\u1ee9 vay l\u00e3i cao l\u00e0 t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng t\u00edn d\u1ee5ng \u0111en th\u00ec lu\u00f4n \u0111i li\u1ec1n v\u1edbi l\u00e3i su\u1ea5t cao v\u00e0 nh\u1eefng th\u1ee7 \u0111o\u1ea1n “thu h\u1ed3i v\u1ed1n” vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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

V\u01b0\u01a1ng Tr\u1ea7n – Qu\u1ef3nh Chi<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014-<\/p>\n

Ng\u01b0\u1eddi \u0111\u01b0a tin 07-9-2013:<\/em><\/strong><\/p>\n

http:\/\/www.nguoiduatin.vn\/ly-giai-lo-hong-khien-tin-dung-den-tung-hoanh-a101836.html<\/a><\/em><\/p>\n

(520\/1.709)","protected":false},"excerpt":{"rendered":"

(N\u0110T) – \u0110\u00e2u l\u00e0 k\u1ebd h\u1edf \u0111\u1ec3 nh\u1eefng k\u1ebb x\u1ea5u l\u1ee3i d\u1ee5ng ph\u00e1p lu\u1eadt l\u00e0m gi\u00e0u t\u1eeb t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c m\u1ed9t c\u00e1ch \u0111\u00fang lu\u1eadt? C\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt c\u1ea7n l\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a c\u00e1c n\u1ea1n nh\u00e2n v\u00e0 x\u1eed l\u00fd \u0111\u1ed1i t\u01b0\u1ee3ng vi ph\u1ea1m b\u1eb1ng lu\u1eadt H\u00ecnh […]<\/p>\n","protected":false},"author":3,"featured_media":33084,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-33082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n399. L\u00fd gi\u1ea3i l\u1ed7 h\u1ed5ng khi\u1ebfn t\u00edn d\u1ee5ng \u0111en... tung ho\u00e0nh - 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\/399-ly-giai-lo-hong-khien-tin-dung-den-tung-hoanh\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]399. L\u00fd gi\u1ea3i l\u1ed7 h\u1ed5ng khi\u1ebfn t\u00edn d\u1ee5ng \u0111en... tung ho\u00e0nh[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(N\u0110T) – \u0110\u00e2u l\u00e0 k\u1ebd h\u1edf \u0111\u1ec3 nh\u1eefng k\u1ebb x\u1ea5u l\u1ee3i d\u1ee5ng ph\u00e1p lu\u1eadt l\u00e0m gi\u00e0u t\u1eeb t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c m\u1ed9t c\u00e1ch \u0111\u00fang lu\u1eadt? C\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt c\u1ea7n l\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a c\u00e1c n\u1ea1n nh\u00e2n v\u00e0 x\u1eed l\u00fd \u0111\u1ed1i t\u01b0\u1ee3ng vi ph\u1ea1m b\u1eb1ng lu\u1eadt H\u00ecnh […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/399-ly-giai-lo-hong-khien-tin-dung-den-tung-hoanh\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2013-09-07T04:51:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-18T04:53:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/99.png\" \/>\n\t<meta property=\"og:image:width\" content=\"704\" \/>\n\t<meta property=\"og:image:height\" content=\"647\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/399-ly-giai-lo-hong-khien-tin-dung-den-tung-hoanh\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/399-ly-giai-lo-hong-khien-tin-dung-den-tung-hoanh\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"399. 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