{"id":34204,"date":"2022-09-29T21:34:06","date_gmt":"2022-09-29T14:34:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=34204"},"modified":"2025-01-13T10:41:48","modified_gmt":"2025-01-13T03:41:48","slug":"290-ma-tran-mat-tien","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/290-ma-tran-mat-tien\/","title":{"rendered":"290. \u201cMa tr\u1eadn\u201d m\u1ea5t ti\u1ec1n"},"content":{"rendered":"

\u201cMa tr\u1eadn\u201d m\u1ea5t ti\u1ec1n<\/span><\/h4>\n
(KTSG) \u2013 Ng\u01b0\u1eddi c\u00f3 ti\u1ec1n, \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc \u201cma tr\u1eadn\u201d s\u1eed d\u1ee5ng \u0111\u1ed3ng ti\u1ec1n \u0111\u1ec3 sinh l\u1eddi: g\u1eedi ti\u1ec1n ng\u00e2n h\u00e0ng, mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, g\u00f3p v\u1ed1n h\u1ee3p t\u00e1c kinh doanh, tham gia b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0\u2026 nh\u01b0ng \u0111\u1ec1u c\u00f3 th\u1ec3 quy v\u1ec1 hai d\u1ea1ng ch\u00ednh l\u00e0: cho vay h\u01b0\u1edfng l\u00e3i c\u1ed1 \u0111\u1ecbnh v\u00e0 \u0111\u1ea7u t\u01b0 ki\u1ebfm l\u00e3i d\u1ef1a tr\u00ean k\u1ebft qu\u1ea3 kinh doanh.<\/em><\/strong><\/h5>\n

\"\u201cMa<\/p>\n

G\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

Vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (sau \u0111\u00e2y g\u1ecdi chung l\u00e0 ng\u00e2n h\u00e0ng) \u0111\u1ec1u theo d\u1ea1ng vay ti\u1ec1n tr\u1ea3 l\u00e3i (hay cho vay h\u01b0\u1edfng l\u00e3i). Ng\u00e2n h\u00e0ng huy \u0111\u1ed9ng v\u1ed1n ph\u1ed5 bi\u1ebfn nh\u1ea5t d\u01b0\u1edbi hai lo\u1ea1i l\u00e0 nh\u1eadn ti\u1ec1n g\u1eedi v\u00e0 ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1.<\/p>\n

Ti\u1ec1n g\u1eedi c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u1eddng th\u1ea5y l\u00e0 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m theo quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 t\u1ea1i Th\u00f4ng t\u01b0 48\/2018\/TT-NHNN v\u00e0 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n theo quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 t\u1ea1i Th\u00f4ng t\u01b0 49\/2018\/TT-NHNN v\u00e0 c\u00e1c lo\u1ea1i ti\u1ec1n g\u1eedi kh\u00e1c. Ti\u1ec1n g\u1eedi c\u00f3 th\u1ec3 l\u00e0 kh\u00f4ng k\u1ef3 h\u1ea1n ho\u1eb7c c\u00f3 k\u1ef3 h\u1ea1n \u0111\u01b0\u1ee3c t\u00ednh theo ng\u00e0y, tu\u1ea7n, th\u00e1ng ho\u1eb7c n\u0103m. Gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 c\u1ee7a ng\u00e2n h\u00e0ng g\u1ed3m ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, k\u1ef3 phi\u1ebfu, t\u00edn phi\u1ebfu, tr\u00e1i phi\u1ebfu ng\u00e2n h\u00e0ng, c\u00f3 th\u1eddi h\u1ea1n tr\u00ean ho\u1eb7c d\u01b0\u1edbi m\u1ed9t n\u0103m theo quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 t\u1ea1i Th\u00f4ng t\u01b0 34\/2013\/TT-NHNN.<\/p>\n

C\u00e1c s\u1ea3n ph\u1ea9m huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng lu\u00f4n \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 v\u00e0 kh\u00f4ng thay \u0111\u1ed5i trong su\u1ed1t k\u1ef3 h\u1ea1n, tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t c\u00e1c k\u1ef3 h\u1ea1n ti\u1ebfp theo th\u00ec c\u0169ng th\u01b0\u1eddng x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc b\u1eb1ng m\u1ed9t c\u00f4ng th\u1ee9c. Tr\u00ean th\u1ef1c t\u1ebf c\u00f3 ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t kh\u00e1 l\u1edbn gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng, ch\u1eb3ng h\u1ea1n c\u00f9ng ti\u1ec1n g\u1eedi s\u00e1u th\u00e1ng v\u00e0o gi\u1eefa n\u0103m 2022, b\u00ean c\u1ea1nh ng\u00e2n h\u00e0ng ch\u1ec9 tr\u1ea3 l\u00e3i d\u01b0\u1edbi 5% th\u00ec v\u1eabn c\u00f3 ng\u00e2n h\u00e0ng tr\u1ea3 l\u00e3i 7%\/n\u0103m.<\/p>\n

Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c r\u00fat tr\u01b0\u1edbc h\u1ea1n, \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (c\u1ea7m c\u1ed1, \u0111\u1eb7t c\u1ecdc, \u0111\u1eb7t c\u01b0\u1ee3c, k\u00fd qu\u1ef9) v\u00e0 \u0111\u01b0\u1ee3c chuy\u1ec3n giao quy\u1ec1n s\u1edf h\u1eefu cho ng\u01b0\u1eddi kh\u00e1c (t\u1eb7ng cho, trao \u0111\u1ed5i, th\u1eeba k\u1ebf).<\/p>\n

Kh\u00e1ch h\u00e0ng mua c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 do ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u00ec c\u0169ng c\u00f3 c\u00e1c quy\u1ec1n t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0111\u1ed1i v\u1edbi g\u1eedi ti\u1ec1n ng\u00e2n h\u00e0ng, ch\u1ec9 kh\u00e1c \u1edf ch\u1ed7 l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c r\u00fat ti\u1ec1n tr\u01b0\u1edbc th\u1eddi h\u1ea1n v\u00e0 \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng quy\u1ec1n \u0111\u01b0\u1ee3c mua \u0111i, b\u00e1n l\u1ea1i.<\/p>\n

\u0110\u1eb7c bi\u1ec7t l\u01b0u \u00fd \u0111\u1ec3 tr\u00e1nh nh\u1ea7m l\u1eabn trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng \u0111\u1ee9ng ra b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0 v\u00e0 s\u1ea3n ph\u1ea9m kh\u00e1c c\u1ee7a doanh nghi\u1ec7p nh\u01b0 tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y th\u00ec ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i l\u00e0 c\u1ee7a doanh nghi\u1ec7p, m\u00e0 kh\u00f4ng ph\u1ea3i c\u1ee7a ng\u00e2n h\u00e0ng (ngo\u1ea1i tr\u1eeb khi ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh thanh to\u00e1n). V\u00e0 m\u1ecdi c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1 nh\u00e2n hay n\u00f3i c\u00e1ch kh\u00e1c, c\u00f4ng ty n\u00e0o \u0111\u00f3 \u0111\u1ee9ng ra huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1 nh\u00e2n th\u00ec ch\u1eafc ch\u1eafn \u0111\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 doanh nghi\u1ec7p thu\u1ed9c ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n

R\u00f3t ti\u1ec1n v\u00e0o ch\u1ed7 kh\u00e1c<\/strong><\/h5>\n

Vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p phi ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 theo d\u1ea1ng vay ti\u1ec1n tr\u1ea3 l\u00e3i (cho vay h\u01b0\u1edfng l\u00e3i) ho\u1eb7c \u0111\u1ea7u t\u01b0 ki\u1ebfm l\u00e3i d\u1ef1a tr\u00ean k\u1ebft qu\u1ea3 h\u1ee3p t\u00e1c kinh doanh theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, Lu\u1eadt \u0110\u1ea7u t\u01b0 v\u00e0 Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2020, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2014.<\/p>\n

T\u00f4i nh\u1eadn th\u1ea5y, d\u00e2n ta r\u1ea5t m\u1ea1o hi\u1ec3m (ch\u1ea5p nh\u1eadn r\u1ee7i ro), r\u1ea5t ch\u1ecbu ch\u01a1i (ti\u00eau x\u00e0i mua s\u1eafm) v\u00e0 r\u1ea5t ham gi\u00e0u (s\u1eb5n s\u00e0ng tr\u1ea3 gi\u00e1), n\u00ean c\u0169ng r\u1ea5t m\u1ea1nh d\u1ea1n, \u0111\u00f4i khi l\u00e0 li\u1ec1u l\u0129nh cho vay v\u00e0 \u0111\u1ea7u t\u01b0, kinh doanh.<\/em><\/strong><\/h5>\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 cho doanh nghi\u1ec7p vay v\u1ed1n b\u1eb1ng h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n ho\u1eb7c mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p (theo Ngh\u1ecb \u0111\u1ecbnh 153\/2020\/N\u0110-CP v\u1ec1 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p (v\u1eeba \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i theo Ngh\u1ecb \u0111\u1ecbnh 65\/2022\/N\u0110-CP)). Hai lo\u1ea1i vay v\u1ed1n n\u00e0y \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh.<\/p>\n

Ngo\u00e0i hai lo\u1ea1i n\u00e0y, c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nh\u01b0 g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n ho\u1eb7c tham gia \u0111\u1ea7u t\u01b0, kinh doanh tr\u00ean c\u00e1c tr\u00ean \u1ee9ng d\u1ee5ng (app) c\u1ee7a c\u00f4ng ty, th\u00ec v\u1ec1 nguy\u00ean t\u1eafc l\u00e0 l\u1eddi \u0103n, l\u1ed7 ch\u1ecbu, c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u00e3i cao nh\u01b0ng c\u0169ng c\u00f3 th\u1ec3 m\u1ea5t tr\u1eafng. N\u1ebfu \u1edf \u0111\u00e2u \u0111\u00f3 cam k\u1ebft tr\u1ea3 m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh th\u00ec 99% l\u00e0 ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u1ed1n tr\u00e1 h\u00ecnh, c\u00f3 d\u1ea5u hi\u1ec7u ph\u1ea1m ph\u00e1p. N\u1ebfu h\u1ee9a h\u1eb9n tr\u1ea3 l\u00e3i cao h\u01a1n 20%\/n\u0103m th\u00ec v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t theo lu\u1eadt \u0111\u1ecbnh v\u00e0 m\u1ee9c l\u00e3i c\u00e0ng cao th\u00ec r\u1ee7i ro c\u00e0ng l\u1edbn.<\/p>\n

Ri\u00eang \u0111\u1ed1i v\u1edbi vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0 (t\u1ee9c b\u00ean c\u1ea1nh m\u1ee5c ti\u00eau b\u1ea3o hi\u1ec3m r\u1ee7i ro th\u00ec c\u00f2n ch\u1ecbu r\u1ee7i ro v\u00e0 h\u01b0\u1edfng l\u1ee3i nhu\u1eadn t\u1eeb k\u1ebft qu\u1ea3 \u0111\u1ea7u t\u01b0) th\u00ec c\u00f3 s\u1ef1 h\u1ee3p l\u00fd nh\u1ea5t \u0111\u1ecbnh v\u00ec l\u00e3i su\u1ea5t cam k\u1ebft kh\u00e1 th\u1ea5p v\u00e0 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd, an to\u00e0n.<\/p>\n

Ngo\u00e0i ra, c\u00e1c c\u00e1 nh\u00e2n c\u00f2n c\u00f3 th\u1ec3 d\u00f9ng ti\u1ec1n v\u00e0o ho\u1ea1t \u0111\u1ed9ng cho vay hay h\u1ee3p t\u00e1c kinh doanh ho\u1eb7c v\u1eeba cho vay \u0111\u1ed3ng th\u1eddi \u0111i vay gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u1edbi nhau (h\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng theo Ngh\u1ecb \u0111\u1ecbnh 19\/2019\/N\u0110-CP). Tuy nhi\u00ean, v\u1edbi ho\u1ea1t \u0111\u1ed9ng n\u00e0y, m\u1ecdi th\u1ee9 d\u1ef1a v\u00e0o l\u00f2ng tin l\u00e0 ch\u00ednh, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ch\u1eafc ch\u1eafn.<\/p>\n

R\u1ee7i ro s\u1eed d\u1ee5ng \u0111\u1ed3ng ti\u1ec1n<\/strong><\/h5>\n

G\u1eedi ti\u1ec1n ng\u00e2n h\u00e0ng th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn b\u00ecnh qu\u00e2n c\u1ee7a n\u1ec1n kinh t\u1ebf, th\u1ea5p h\u01a1n l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 c\u0169ng th\u1ea5p h\u01a1n vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a doanh nghi\u1ec7p. B\u00f9 l\u1ea1i, th\u00ec m\u1ee9c \u0111\u1ed9 an to\u00e0n r\u1ea5t cao, ch\u1ec9 sau vi\u1ec7c mua tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7. Tr\u01b0\u1eddng h\u1ee3p x\u1ea5u nh\u1ea5t x\u1ea3y ra r\u1ee7i ro ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng, th\u00ec s\u1ebd \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi c\u1ee7a Nh\u00e0 n\u01b0\u1edbc chi tr\u1ea3 t\u1ed1i \u0111a 125 tri\u1ec7u \u0111\u1ed3ng\/ng\u00e2n h\u00e0ng theo Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi n\u0103m 2012.<\/p>\n

Nh\u01b0 v\u1eady, n\u1ebfu g\u1eedi \u00edt h\u01a1n s\u1ed1 ti\u1ec1n n\u00e0y th\u00ec s\u1ebd b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c nh\u1eadn l\u1ea1i \u0111\u1ea7y \u0111\u1ee7, c\u00f2n g\u1eedi nhi\u1ec1u h\u01a1n, th\u00ec ph\u1ee5 thu\u1ed9c v\u00e0o kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng sau khi thu h\u1ed3i n\u1ee3 n\u1ea7n v\u00e0 thanh l\u00fd t\u00e0i s\u1ea3n. N\u1ebfu c\u00f3 1,25 t\u1ec9 \u0111\u1ed3ng m\u00e0 g\u1eedi t\u1ea1i 10 ng\u00e2n h\u00e0ng th\u00ec m\u1ee9c \u0111\u1ed9 an to\u00e0n g\u1ea7n nh\u01b0 tuy\u1ec7t \u0111\u1ed1i. Ngo\u1ea1i l\u1ec7 l\u00e0 vi\u1ec7c g\u1eedi \u0111\u00f4 la M\u1ef9 kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i v\u00e0 c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, nh\u01b0ng ng\u01b0\u1eddi d\u00e2n v\u1eabn g\u1eedi v\u00e0o ng\u00e2n h\u00e0ng r\u1ea5t nhi\u1ec1u, v\u00ec gi\u00e1 tr\u1ecb \u0111\u1ed3ng ti\u1ec1n n\u00e0y \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m.<\/p>\n

Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n n\u1ebfu r\u00fat tr\u01b0\u1edbc h\u1ea1n, th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n th\u1ea5p nh\u1ea5t theo Th\u00f4ng t\u01b0 04\/2022\/TT-NHNN (ch\u1eb3ng h\u1ea1n g\u1eedi lo\u1ea1i 6-7%\/n\u0103m, n\u1ebfu r\u00fat tr\u01b0\u1edbc h\u1ea1n th\u00ec c\u00f3 khi ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng 0,1-0,2% v\u00e0 t\u1ed1i \u0111a l\u00e0 0,5%\/n\u0103m). Do \u0111\u00f3, ng\u01b0\u1eddi g\u1eedi ti\u1ec1n th\u01b0\u1eddng t\u00ednh to\u00e1n vay v\u1ed1n c\u1ea7m c\u1ed1 b\u1eb1ng ti\u1ec1n g\u1eedi n\u1ebfu c\u00f3 l\u1ee3i h\u01a1n so v\u1edbi vi\u1ec7c r\u00fat ti\u1ec1n tr\u01b0\u1edbc h\u1ea1n. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y kh\u00e1ch h\u00e0ng lu\u00f4n ch\u1ecbu thi\u1ec7t, c\u00f2n ng\u00e2n h\u00e0ng lu\u00f4n c\u00f3 l\u1ee3i. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng to\u00e0n g\u1eedi ti\u1ec1n ng\u1eafn h\u1ea1n v\u00ec c\u00f3 l\u1ee3i h\u01a1n d\u00e0i h\u1ea1n, \u0111\u1ed3ng th\u1eddi k\u00e9o d\u00e0i t\u00ecnh tr\u1ea1ng b\u1ea5t \u1ed5n v\u1ec1 huy \u0111\u1ed9ng, s\u1eed d\u1ee5ng v\u00e0 an to\u00e0n v\u1ed1n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

Vi\u1ec7c th\u1ecfa thu\u1eadn tr\u1ea3 l\u00e3i ngo\u00e0i cao h\u01a1n gi\u1edbi h\u1ea1n ph\u00e1p lu\u1eadt cho ph\u00e9p (nh\u01b0 tr\u1ea3 l\u00e3i ti\u1ec1n g\u1eedi d\u01b0\u1edbi m\u1ed9t th\u00e1ng cao h\u01a1n 0,5%\/n\u0103m ho\u1eb7c ti\u1ec1n g\u1eedi d\u01b0\u1edbi s\u00e1u th\u00e1ng cao h\u01a1n 5%\/n\u0103m theo Quy\u1ebft \u0111\u1ecbnh 1607\/Q\u0110-NHNN ng\u00e0y 22-9-2022), n\u1ebfu b\u1ecb c\u01a1 quan ch\u1ee9c n\u0103ng ph\u00e1t hi\u1ec7n th\u00ec ph\u1ea7n l\u00e3i v\u01b0\u1ee3t qu\u00e1 s\u1ebd v\u00f4 hi\u1ec7u, c\u00f2n ph\u1ea7n l\u00e3i trong gi\u1edbi h\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn.<\/p>\n

V\u1ec1 nguy\u00ean t\u1eafc, l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng hay cho c\u00e1 nh\u00e2n, doanh nghi\u1ec7p kh\u00e1c vay (k\u1ec3 c\u1ea3 tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p) th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u 468 kho\u1ea3n 1, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. N\u1ebfu huy \u0111\u1ed9ng v\u1ed1n theo ki\u1ec3u h\u01b0\u1edfng hoa h\u1ed3ng \u0111a c\u1ea5p v\u00e0 l\u1ea5y ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi sau \u0111\u1ec3 tr\u1ea3 cho ng\u01b0\u1eddi tr\u01b0\u1edbc th\u00ec vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 kinh doanh \u0111a c\u1ea5p, th\u1eadm ch\u00ed m\u1ee9c \u0111\u1ed9 n\u1eb7ng l\u00e0 t\u1ed9i ph\u1ea1m h\u00ecnh s\u1ef1.<\/p>\n

Qu\u00e1 nhi\u1ec1u ph\u1ea7n m\u1ec1m v\u00e0 trang web l\u00f4i k\u00e9o nh\u00e0 \u0111\u1ea7u t\u01b0 tham gia h\u1ed9i nh\u00f3m; giao d\u1ecbch ti\u1ec1n \u1ea3o, ngo\u1ea1i h\u1ed1i; mua b\u00e1n c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu; g\u00f3p v\u1ed1n h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0 kinh doanh\u2026, b\u1eb1ng chi\u00eau tr\u00f2 kinh \u0111i\u1ec3n ki\u1ebfm l\u00e3i h\u00e0ng ch\u1ee5c, th\u1eadm ch\u00ed h\u00e0ng tr\u0103m ph\u1ea7n tr\u0103m m\u1ed7i n\u0103m. \u0110\u00f3 ch\u1ec9 l\u00e0 \u1ea3o t\u01b0\u1edfng, tr\u00e1i v\u1edbi nguy\u00ean l\u00fd c\u1ee7a ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0, ngo\u1ea1i tr\u1eeb s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0.<\/p>\n

Khi doanh nghi\u1ec7p huy \u0111\u1ed9ng v\u1ed1n l\u00e0m \u0103n thua l\u1ed7, ph\u00e1 s\u1ea3n th\u00ec ng\u01b0\u1eddi cho vay kh\u00f3 c\u00f3 th\u1ec3 thu h\u1ed3i \u0111\u01b0\u1ee3c v\u1ed1n, ng\u01b0\u1eddi g\u00f3p v\u1ed1n h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0 kinh doanh hay n\u1eafm gi\u1eef c\u1ed5 ph\u1ea7n c\u00f2n ch\u1ecbu m\u1ee9c r\u1ee7i ro cao nh\u1ea5t, nguy c\u01a1 m\u1ea5t ti\u1ec1n l\u1edbn nh\u1ea5t v\u00e0 t\u1ea5t c\u1ea3 \u0111\u1ec1u c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng.<\/p>\n

Hi\u1ec3u bi\u1ebft v\u00e0 ti\u1ebft ch\u1ebf l\u00f2ng tham<\/strong><\/h5>\n

T\u00f4i nh\u1eadn th\u1ea5y, d\u00e2n ta r\u1ea5t m\u1ea1o hi\u1ec3m (ch\u1ea5p nh\u1eadn r\u1ee7i ro), r\u1ea5t ch\u1ecbu ch\u01a1i (ti\u00eau x\u00e0i mua s\u1eafm) v\u00e0 r\u1ea5t ham gi\u00e0u (s\u1eb5n s\u00e0ng tr\u1ea3 gi\u00e1), n\u00ean c\u0169ng r\u1ea5t m\u1ea1nh d\u1ea1n, \u0111\u00f4i khi l\u00e0 li\u1ec1u l\u0129nh cho vay v\u00e0 \u0111\u1ea7u t\u01b0, kinh doanh. \u0110\u00f3 l\u00e0 y\u1ebfu t\u1ed1 th\u00fac \u0111\u1ea9y \u0111\u1ea7u t\u01b0, kinh doanh, ph\u00e1t tri\u1ec3n kinh t\u1ebf. Tuy nhi\u00ean, mu\u1ed1n kh\u00f4ng b\u1ecb l\u1eeba th\u00ec c\u1ea7n c\u00f3 hi\u1ec3u bi\u1ebft nh\u1ea5t \u0111\u1ecbnh v\u00e0 bi\u1ebft ti\u1ebft ch\u1ebf l\u00f2ng tham.<\/p>\n

V\u1ec1 ph\u00eda ng\u01b0\u1eddi c\u00f3 ti\u1ec1n hay nh\u00e0 \u0111\u1ea7u t\u01b0, th\u00ec \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i c\u00e0ng cao c\u00e0ng t\u1ed1t, ph\u00e1p lu\u1eadt kh\u00f4ng ng\u0103n c\u1ea5m. Nh\u01b0ng kh\u00f4ng th\u1ec3 b\u1ecf qua nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t nh\u1eadn di\u1ec7n r\u1ee7i ro l\u00e0 ng\u01b0\u1eddi ta nh\u1eadn ti\u1ec1n \u0111\u1ea7u t\u01b0 v\u00e0o d\u1ef1 \u00e1n, s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 g\u00ec; kinh doanh theo ph\u01b0\u01a1ng \u00e1n, c\u00e1ch th\u1ee9c n\u00e0o; c\u00f4ng ngh\u1ec7, l\u00e0m c\u00e1i g\u00ec \u0111\u1ec3 c\u00f3 l\u00e3i \u201ckh\u1ee7ng\u201d; c\u00f3 h\u1ee3p ph\u00e1p, h\u1ee3p l\u00fd kh\u00f4ng; c\u00f3 huy \u0111\u1ed9ng v\u1ed1n ki\u1ec3u \u0111a c\u1ea5p tr\u00e1i lu\u1eadt kh\u00f4ng; c\u00f3 kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3 c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i hay kh\u00f4ng; gi\u1ed1ng v\u00e0 kh\u00e1c g\u00ec h\u00e0ng v\u1ea1n v\u1ee5 v\u1ee1 n\u1ee3, l\u1eeba \u0111\u1ea3o \u0111\u00e3 x\u1ea3y ra?<\/p>\n

Ch\u1ec9 c\u1ea7n gi\u1eadt m\u00ecnh nghi\u00eam t\u00fac l\u01b0u \u00fd v\u1ec1 vi\u1ec7c n\u00e0y th\u00ec kh\u00f4ng c\u1ea7n qu\u00e1 hi\u1ec3u bi\u1ebft v\u00e0 kh\u00f4ng qu\u00e1 kh\u00f3 \u0111\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c gi\u1eefa c\u00e1i \u0111\u00fang, c\u00e1i sai, gi\u1eefa \u0111\u01b0\u1ee3c ph\u00e9p v\u00e0 ph\u1ea1m ph\u00e1p, gi\u1eefa s\u1ef1 th\u1eadt v\u00e0 s\u1ef1 m\u1eadp m\u1edd, nh\u1eadp nh\u00e8m m\u00e0 c\u00e1 nh\u00e2n, doanh nghi\u1ec7p, k\u1ec3 c\u1ea3 ng\u00e2n h\u00e0ng tung h\u1ecfa m\u00f9.<\/p>\n

Nh\u01b0ng \u0111\u1eebng b\u1ecf qua m\u1ed9t nguy\u00ean l\u00fd s\u01a1 \u0111\u1eb3ng r\u1eb1ng, s\u1ef1 r\u1ee7i ro song h\u00e0nh v\u1edbi l\u00e3i su\u1ea5t v\u00e0 m\u1ed1i nguy hi\u1ec3m t\u0103ng theo l\u1ee3i nhu\u1eadn. Ng\u01b0\u1eddi c\u00f3 nhi\u1ec1u hay \u00edt ti\u1ec1n th\u00ec \u0111\u1ec1u ph\u1ea3i h\u1ebft s\u1ee9c c\u00e2n nh\u1eafc \u0111i\u1ec3m t\u1eed huy\u1ec7t gi\u1ed1ng nhau l\u00e0 ti\u1ebft ch\u1ebf l\u00f2ng tham, ham h\u1ed1 l\u00e3i cao<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/strong><\/em><\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/strong><\/em><\/p>\n

—————–<\/em><\/p>\n

Kinh t\u1ebf S\u00e0i G\u00f2n (Ti\u00eau \u0111i\u1ec3m) 29-9-2022:<\/em><\/strong><\/p>\n

https:\/\/thesaigontimes.vn\/ma-tran-mat-tien\/<\/a><\/em><\/p>\n

(1.876)<\/em>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/em>","protected":false},"excerpt":{"rendered":"

\u201cMa tr\u1eadn\u201d m\u1ea5t ti\u1ec1n (KTSG) \u2013 Ng\u01b0\u1eddi c\u00f3 ti\u1ec1n, \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc \u201cma tr\u1eadn\u201d s\u1eed d\u1ee5ng \u0111\u1ed3ng ti\u1ec1n \u0111\u1ec3 sinh l\u1eddi: g\u1eedi ti\u1ec1n ng\u00e2n h\u00e0ng, mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, g\u00f3p v\u1ed1n h\u1ee3p t\u00e1c kinh doanh, tham gia b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0\u2026 nh\u01b0ng \u0111\u1ec1u c\u00f3 th\u1ec3 quy v\u1ec1 hai d\u1ea1ng ch\u00ednh l\u00e0: cho vay h\u01b0\u1edfng […]<\/p>\n","protected":false},"author":2,"featured_media":34241,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[39,41,42,44,36],"class_list":["post-34204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-cong-ty-luat-anvi","tag-luat-su-chung-khoan","tag-luat-su-dat-dai","tag-luat-su-dau-tu","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n290. \u201cMa tr\u1eadn\u201d m\u1ea5t ti\u1ec1n - 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