{"id":34830,"date":"2022-11-17T08:10:18","date_gmt":"2022-11-17T01:10:18","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=34830"},"modified":"2024-12-23T10:33:02","modified_gmt":"2024-12-23T03:33:02","slug":"3-913-doanh-nghiep-kho-chong-kho-vi-ganh-nang-lai-suat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-913-doanh-nghiep-kho-chong-kho-vi-ganh-nang-lai-suat\/","title":{"rendered":"3.913. Doanh nghi\u1ec7p kh\u00f3 ch\u1ed3ng kh\u00f3 v\u00ec g\u00e1nh n\u1eb7ng l\u00e3i su\u1ea5t"},"content":{"rendered":"

Doanh nghi\u1ec7p kh\u00f3 ch\u1ed3ng kh\u00f3 v\u00ec g\u00e1nh n\u1eb7ng l\u00e3i su\u1ea5t<\/span><\/h4>\n
(GT) – Tr\u1ea3i qua 4 tr\u1eadn d\u1ecbch Covid-19, nhi\u1ec1u doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf v\u1ed1n \u0111\u00e3 y\u1ebfu v\u1ec1 ngu\u1ed3n l\u1ef1c nay l\u1ea1i ph\u1ea3i g\u1ed3ng m\u00ecnh g\u00e1nh \u00e1p l\u1ef1c l\u00e3i su\u1ea5t, n\u1ee3 n\u1ea7n\u2026<\/strong><\/h5>\n
G\u00e1nh n\u1eb7ng l\u00e3i su\u1ea5t, n\u1ee3 n\u1ea7n<\/strong><\/h5>\n

\u00d4ng Nguy\u1ec5n Trung Tuy\u1ebfn, \u0111\u1ea1i di\u1ec7n C\u00f4ng ty TNHH Th\u01b0\u01a1ng m\u1ea1i Du l\u1ecbch v\u00e0 D\u1ecbch v\u1ee5 Thi\u00ean Tr\u01b0\u1eddng Long cho bi\u1ebft, n\u0103m 2018, \u0111\u01a1n v\u1ecb n\u00e0y k\u00fd 5 h\u1ee3p \u0111\u1ed3ng thu\u00ea mua t\u00e0i ch\u00ednh v\u1edbi C\u00f4ng ty TNHH Cho thu\u00ea t\u00e0i ch\u00ednh Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VILC), mua 8 xe \u00f4 t\u00f4 t\u1eeb 10 – 45 ch\u1ed7 ng\u1ed3i. S\u1ed1 ti\u1ec1n k\u00fd qu\u1ef9 c\u00f4ng ty \u0111\u00e3 n\u1ed9p l\u00e0 2,7 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\"Doanh<\/p>\n

B\u00ean c\u1ea1nh quan h\u1ec7 vay m\u01b0\u1ee3n t\u1eeb h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh, nhi\u1ec1u doanh nghi\u1ec7p v\u1eabn ph\u1ea3i t\u00ecm \u0111\u1ebfn c\u00e1c c\u01a1 s\u1edf c\u1ea7m \u0111\u1ed3 c\u00f3 l\u00e3i su\u1ea5t cao (\u1ea2nh minh h\u1ecda)<\/p>\n

\u00d4ng Nguy\u1ec5n Trung Tuy\u1ebfn, \u0111\u1ea1i di\u1ec7n C\u00f4ng ty TNHH Th\u01b0\u01a1ng m\u1ea1i Du l\u1ecbch v\u00e0 D\u1ecbch v\u1ee5 Thi\u00ean Tr\u01b0\u1eddng Long cho bi\u1ebft, n\u0103m 2018, \u0111\u01a1n v\u1ecb n\u00e0y k\u00fd 5 h\u1ee3p \u0111\u1ed3ng thu\u00ea mua t\u00e0i ch\u00ednh v\u1edbi C\u00f4ng ty TNHH Cho thu\u00ea t\u00e0i ch\u00ednh Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VILC), mua 8 xe \u00f4 t\u00f4 t\u1eeb 10 – 45 ch\u1ed7 ng\u1ed3i. S\u1ed1 ti\u1ec1n k\u00fd qu\u1ef9 c\u00f4ng ty \u0111\u00e3 n\u1ed9p l\u00e0 2,7 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

T\u1ed5ng s\u1ed1 ti\u1ec1n vay theo h\u1ee3p \u0111\u1ed3ng v\u1edbi VILC l\u00e0 kho\u1ea3ng g\u1ea7n 30 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Theo \u00f4ng Tuy\u1ebfn, c\u00f4ng ty v\u1eabn c\u1ed1 g\u1eafng lo tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 g\u1ed1c, l\u00e3i h\u01a1n 1 t\u1ef7 \u0111\u1ed3ng\/th\u00e1ng. Tuy nhi\u00ean, \u0111\u1ebfn th\u00e1ng 5\/2020, d\u1ecbch b\u1ec7nh\u00a0Covid-19\u00a0x\u1ea3y ra khi\u1ebfn t\u00ecnh h\u00ecnh kinh doanh c\u1ee7a c\u00f4ng ty g\u1eb7p kh\u00f3 kh\u0103n, trong khi m\u00f3n n\u1ee3 v\u1eabn c\u00f2n h\u01a1n 11 t\u1ef7 \u0111\u1ed3ng. Kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c \u0111\u00fang h\u1eb9n, Thi\u00ean Tr\u01b0\u1eddng Long li\u00ean t\u1ee5c ch\u1ecbu s\u1ee9c \u00e9p b\u00e1n xe tr\u1ea3 n\u1ee3.<\/p>\n

\u201cC\u00f4ng ty ch\u00fang t\u00f4i \u0111\u00e3 ch\u1ea5p nh\u1eadn b\u00e1n l\u1ed7 r\u1ea5t nhi\u1ec1u ti\u1ec1n t\u1eeb l\u00f4 xe n\u00e0y v\u00e0 khi b\u00e1n xong ch\u00fang t\u00f4i l\u00e2m v\u00e0o c\u1ea3nh ph\u00e1 s\u1ea3n, t\u1ea5t c\u1ea3 s\u1ed1 ti\u1ec1n b\u00e1n xe \u0111\u1ec1u \u0111\u01b0\u1ee3c tr\u1ea3 cho VILC. Trong nh\u1eefng chi\u1ebfc xe ph\u1ea3i b\u00e1n \u0111\u1ec3 tr\u1ea3 n\u1ee3, c\u00f3 chi\u1ebfc c\u00f3 gi\u00e1 g\u1ea7n 4 t\u1ef7 \u0111\u1ed3ng nh\u01b0ng khi b\u00e1n ch\u1ec9 \u0111\u01b0\u1ee3c h\u01a1n 2 t\u1ef7 \u0111\u1ed3ng. C\u00f3 chi\u1ebfc h\u01a1n 1,2 t\u1ef7 \u0111\u1ed3ng th\u00ec ch\u1ec9 b\u00e1n \u0111\u01b0\u1ee3c 500-600 tri\u1ec7u \u0111\u1ed3ng\u201d, \u00f4ng Tuy\u1ebfn n\u00f3i.<\/p>\n

\u0110\u00e1ng n\u00f3i, theo chia s\u1ebb c\u1ee7a \u00f4ng Tuy\u1ebfn, C\u00f4ng ty VILC c\u00f2n \u0111\u01b0a ra m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n kh\u00f4ng c\u00f3 trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd.<\/p>\n

\u0110\u01a1n c\u1eed, ngo\u00e0i l\u00e3i ph\u1ea1t trong n\u0103m 2020 do kh\u00f4ng \u0111\u00f3ng ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i \u0111\u00fang h\u1ea1n, Thi\u00ean Tr\u01b0\u1eddng Long ph\u1ea3i \u0111\u00f3ng th\u00eam m\u1ed9t kho\u1ea3n g\u1ecdi l\u00e0 kho\u1ea3n l\u00e3i d\u1ef1 thu v\u1edbi s\u1ed1 ti\u1ec1n 877 tri\u1ec7u \u0111\u1ed3ng, \u0111\u01b0\u1ee3c t\u00ednh t\u1eeb ng\u00e0y 4\/12\/2020 – 4\/11\/2023.<\/p>\n

\u0110\u00e2y \u0111\u01b0\u1ee3c cho l\u00e0 s\u1ed1 ti\u1ec1n t\u00ednh l\u00e3i trong th\u1eddi gian m\u00e0 c\u00f4ng ty Thi\u00ean Tr\u01b0\u1eddng Long \u0111\u00e3 tr\u1ea3 h\u1ebft, kh\u00f4ng c\u00f2n vay n\u1ee3 VILC.<\/p>\n

\u201c\u0110i\u1ec1u kho\u1ea3n n\u00e0y ch\u00fang t\u00f4i kh\u00f4ng \u0111\u01b0\u1ee3c m\u1ed9t nh\u00e2n vi\u00ean n\u00e0o b\u00ean VILC n\u00f3i \u0111\u1ebfn v\u00e0 c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn t\u1eeb l\u00fac k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, ch\u1ec9 \u0111\u1ebfn khi b\u00e1n \u0111\u01b0\u1ee3c l\u00f4 xe v\u00e0o th\u00e1ng 11\/2020 ch\u00fang t\u00f4i m\u1edbi \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 kho\u1ea3n n\u1ee3 n\u00e0y. Ch\u00fang t\u00f4i kh\u00f4ng \u0111\u1ed3ng \u00fd tr\u1ea3 m\u00f3n l\u00e3i vay d\u1ef1 thu n\u00e0y\u201d, \u00f4ng Tuy\u1ebfn chia s\u1ebb th\u00eam.<\/p>\n

Li\u00ean quan \u0111\u1ebfn ph\u1ea3n \u00e1nh tr\u00ean, PV \u0111\u00e3 trao \u0111\u1ed5i v\u1edbi nh\u00e2n vi\u00ean t\u00ean Long – \u0111\u1ea1i di\u1ec7n VILC (ng\u01b0\u1eddi ph\u1ee5 tr\u00e1ch h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n c\u1ee7a C\u00f4ng ty Thi\u00ean Tr\u01b0\u1eddng Long).<\/p>\n

Khi \u0111\u01b0\u1ee3c h\u1ecfi, ng\u01b0\u1eddi n\u00e0y ch\u1ec9 n\u00f3i ng\u1eafn g\u1ecdn: \u201cV\u1ee5 vi\u1ec7c v\u1edbi C\u00f4ng ty Thi\u00ean Tr\u01b0\u1eddng Long, do c\u00f4ng ty n\u00e0y vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd, n\u00ean c\u00f4ng ty ch\u00fang t\u00f4i \u0111\u00e3 ki\u1ec7n ra t\u00f2a. T\u1ea5t c\u1ea3 \u0111\u00fang sai g\u00ec gi\u1eefa hai b\u00ean s\u1ebd \u0111\u01b0\u1ee3c ph\u00e2n x\u1eed t\u1ea1i t\u00f2a \u00e1n, sau \u0111\u00f3 ch\u00fang t\u00f4i s\u1ebd tu\u00e2n theo c\u00e1c ph\u00e1n quy\u1ebft c\u1ee7a t\u00f2a\u201d, Long n\u00f3i.<\/p>\n

C\u0169ng \u0111ang kh\u1ed5 s\u1edf v\u00ec \u00e1p l\u1ef1c vay m\u01b0\u1ee3n, n\u1ee3 n\u1ea7n, ch\u1ecb Nguy\u1ec5n Th\u1ecb Minh Ch\u00e2u, ch\u1ee7 m\u1ed9t c\u1eeda h\u00e0ng bu\u00f4n th\u1ee7y s\u1ea3n t\u1ea1i qu\u1eadn T\u00e2n B\u00ecnh, TP.HCM cho bi\u1ebft, h\u1ed3i \u0111\u1ea7u n\u0103m ch\u1ecb c\u1ea7n g\u1ea5p 1 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 nh\u1eadp h\u00e0ng, nh\u01b0ng do th\u1ee7 t\u1ee5c vay ng\u00e2n h\u00e0ng qu\u00e1 nhi\u00eau kh\u00ea n\u00ean \u0111\u00e3 ch\u1ea5p nh\u1eadn vay ngo\u00e0i v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 3%\/th\u00e1ng (m\u1ed7i th\u00e1ng tr\u1ea3 g\u00f3p ti\u1ec1n l\u00e3i 30 tri\u1ec7u \u0111\u1ed3ng) v\u00e0 rao b\u00e1n c\u0103n chung c\u01b0 \u0111\u1ec3 tr\u1ea3.<\/p>\n

Ban \u0111\u1ea7u, ch\u1ecb Ch\u00e2u t\u00ednh to\u00e1n ch\u1ec9 trong v\u00f2ng 1-2 th\u00e1ng l\u00e0 xoay v\u00f2ng v\u1ed1n \u0111\u1ee7 \u0111\u1ec3 tr\u1ea3 n\u1ee3. Tuy nhi\u00ean, do c\u00f4ng vi\u1ec7c l\u00e0m \u0103n b\u1ecb \u0111\u00ecnh tr\u1ec7 v\u00ec d\u1ecbch m\u00e0 c\u0103n chung c\u01b0 c\u0169ng kh\u00f4ng b\u00e1n \u0111\u01b0\u1ee3c n\u00ean ch\u1ecb b\u1ecb th\u00e2m h\u1ee5t ti\u1ec1n vay, ph\u1ea3i xoay x\u1edf \u0111\u1ee7 c\u00e1ch \u0111\u1ec3 tr\u1ea3. \u201cT\u00ecnh h\u00ecnh c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n n\u00ean t\u00f4i lo g\u00e1nh kh\u00f4ng n\u1ed5i\u201d, ch\u1ecb Ch\u00e2u n\u00f3i.<\/p>\n

Ch\u1ea5p nh\u1eadn \u201cu\u1ed1ng n\u01b0\u1edbc bi\u1ec3n \u0111\u1ec3 gi\u1ea3i kh\u00e1t\u201d<\/strong><\/h5>\n

CEO L\u00ea Dung, chuy\u00ean gia t\u01b0 v\u1ea5n v\u00e0 k\u1ebft n\u1ed1i doanh nghi\u1ec7p, U\u1ef7 vi\u00ean BCH Hi\u1ec7p h\u1ed9i Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba TP H\u00e0 N\u1ed9i (HANOISME) cho bi\u1ebft, th\u1eddi gian qua, khi \u0111\u01b0\u1ee3c h\u1ecfi h\u1ea7u h\u1ebft doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, h\u1ed9 kinh doanh \u0111\u1ec1u tr\u1ea3 l\u1eddi kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u1eeb ng\u00e2n h\u00e0ng, do kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p; s\u1ed1 c\u00f2n l\u1ea1i d\u00f9 \u0111\u01b0a ra \u0111\u01b0\u1ee3c ph\u01b0\u01a1ng \u00e1n kinh doanh nh\u01b0ng c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e9t duy\u1ec7t.<\/p>\n

\u201c\u0110\u1ea1i d\u1ecbch Covid-19 l\u1ea7n th\u1ee9 4 x\u1ea3y ra, c\u00e1c doanh nghi\u1ec7p n\u00e0y kh\u00f4ng k\u1ecbp tr\u1ea3 n\u1ee3 n\u00ean ph\u1ea3i g\u00e1nh c\u00e1c kho\u1ea3n l\u00e3i l\u1edbn, th\u1eadm ch\u00ed ph\u1ea3i \u201cu\u1ed1ng n\u01b0\u1edbc bi\u1ec3n \u0111\u1ec3 gi\u1ea3i kh\u00e1t\u201d khi ph\u1ea3i ti\u1ebfp t\u1ee5c vay \u201cn\u00f3ng\u201d \u0111\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng\u201d, b\u00e0 Dung cho hay.<\/p>\n

M\u1edbi \u0111\u00e2y, b\u00e1o c\u00e1o c\u1ee7a C\u00f4ng ty T\u00edch h\u1ee3p d\u1eef li\u1ec7u t\u00e0i ch\u00ednh FiinGroup, c\u00f3 kho\u1ea3ng 28,5 tri\u1ec7u ng\u01b0\u1eddi kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay ng\u00e2n h\u00e0ng, n\u00ean ph\u1ea3i quay sang l\u00e0m kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ho\u1eb7c c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3.<\/p>\n

FiinGroup \u01b0\u1edbc t\u00ednh hi\u1ec7n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng cho vay ti\u00eau d\u00f9ng v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 7 – 10%\/n\u0103m; C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 l\u00e3i su\u1ea5t cho vay t\u1eeb 30 – 40%\/n\u0103m v\u00e0 c\u00e1c chu\u1ed7i c\u1ea7m \u0111\u1ed3 c\u00f3 l\u00e3i su\u1ea5t tr\u00ean 50%\/n\u0103m.<\/p>\n

Tuy nhi\u00ean, th\u1ef1c t\u1ebf b\u00e0 Dung cho bi\u1ebft, nhi\u1ec1u doanh nghi\u1ec7p \u0111\u00e3 ch\u1ea5p nh\u1eadn k\u00fd gi\u1ea5y vay \u201cn\u00f3ng\u201d v\u1edbi l\u00e3i su\u1ea5t 50- 60%\/n\u0103m ; tr\u01b0\u1eddng h\u1ee3p bu\u1ed9c ph\u1ea3i vay tr\u00ean 60%\/n\u0103m h\u1ea7u h\u1ebft \u0111\u00e3 \u201cch\u1ebft\u201d ho\u1eb7c n\u1ebfu duy tr\u00ec th\u00ec c\u0169ng \u0111ang \u201cng\u1eafc ngo\u1ea3i\u201d.<\/p>\n

\u201cKhi \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u201ctr\u1ea7y tr\u1eadt\u201d c\u1ee7a ng\u00e2n h\u00e0ng, th\u01b0\u1eddng c\u00f3 hai lo\u1ea1i doanh nghi\u1ec7p li\u1ec1u m\u00ecnh quay sang vay \u201cn\u00f3ng\u201d l\u00e3i su\u1ea5t cao. Th\u1ee9 nh\u1ea5t l\u00e0 tr\u01b0\u1eddng h\u1ee3p kinh doanh l\u0129nh v\u1ef1c c\u00f3 chu k\u1ef3 v\u00f2ng v\u1ed1n ng\u1eafn, t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cao. Th\u1ee9 hai l\u00e0 tr\u01b0\u1eddng h\u1ee3p c\u1ea1n ki\u1ec7t ngu\u1ed3n l\u1ef1c, kh\u00f4ng c\u00f2n g\u00ec \u0111\u1ec3 c\u1ea7m c\u1ed1 nh\u01b0ng v\u1eabn c\u1ea7n ni\u1ec1m tin x\u00e3 h\u1ed9i n\u00ean kh\u00f4ng th\u1ec3 tr\u00e2y \u1ef3 v\u1edbi c\u00e1c kho\u1ea3n c\u00f4ng n\u1ee3 \u0111\u1ebfn h\u1ea1n. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y, c\u1ee9 vay \u0111\u01b0\u1ee3c l\u00e0 t\u1ed1t r\u1ed3i, kh\u00f4ng quan t\u00e2m t\u1edbi l\u00e3i b\u1edfi \u201cki\u1ec3u g\u00ec c\u0169ng ch\u1ebft\u201d, ch\u1ea5p nh\u1eadn r\u1ee7i ro nay s\u1ed1ng mai t\u00ednh sau\u2026\u201d, b\u00e0 Dung chia s\u1ebb.<\/p>\n

\u201cHi\u1ec7n t\u01b0\u1ee3ng kinh t\u1ebf ph\u1ea3i gi\u1ea3i quy\u1ebft b\u1eb1ng kinh t\u1ebf\u201d<\/strong><\/h5>\n

B\u00e1o c\u00e1o m\u1edbi nh\u1ea5t c\u1ee7a C\u1ee5c C\u1ea3nh s\u00e1t h\u00ecnh s\u1ef1 (B\u1ed9 C\u00f4ng an) cho bi\u1ebft, qua c\u00f4ng t\u00e1c nghi\u1ec7p v\u1ee5, c\u00f4ng an c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u00e3 r\u00e0 so\u00e1t, ph\u00e1t hi\u1ec7n c\u00f3 6.664 c\u01a1 s\u1edf kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3; 540 c\u01a1 s\u1edf kinh doanh t\u00e0i ch\u00ednh; 3.667 c\u00e1 nh\u00e2n c\u00f3 bi\u1ec3u hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng cho vay l\u00e3i su\u1ea5t cao.<\/p>\n

\u201cM\u1ed9t s\u1ed1 doanh nghi\u1ec7p kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 th\u00e0nh l\u1eadp nhi\u1ec1u c\u01a1 s\u1edf, c\u1eeda h\u00e0ng t\u1ea1i nhi\u1ec1u \u0111\u1ecba ph\u01b0\u01a1ng, v\u1eeba ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n t\u1ea1i c\u1eeda h\u00e0ng, v\u1eeba ho\u1ea1t \u0111\u1ed9ng tr\u00ean kh\u00f4ng gian m\u1ea1ng nh\u01b0ng thu th\u00eam nhi\u1ec1u kho\u1ea3n ph\u00ed, quy \u0111\u1ecbnh ti\u1ec1n ph\u1ea1t l\u1edbn nh\u1eb1m l\u00e1ch quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i su\u1ea5t, c\u00f3 d\u1ea5u hi\u1ec7u cho vay l\u00e3i n\u1eb7ng\u201d, \u0111\u1ea1i di\u1ec7n C\u1ee5c C\u1ea3nh s\u00e1t h\u00ecnh s\u1ef1 chia s\u1ebb.<\/p>\n

\u201cD\u1ecbch Covid-19 ch\u1ec9 l\u00e0 \u201cgi\u1ecdt n\u01b0\u1edbc tr\u00e0n ly\u201d thanh l\u1ecdc nh\u1eefng doanh nghi\u1ec7p c\u00f3 b\u1ea3n ch\u1ea5t y\u1ebfu v\u1ec1 ti\u1ec1m l\u1ef1c. B\u1edfi trong th\u01b0\u01a1ng tr\u01b0\u1eddng, lu\u00f4n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi kh\u00f3 kh\u0103n, kh\u00f4ng c\u00f3 \u201cb\u00e3o Covid-19\u201d s\u1ebd l\u00e0 m\u1ed9t tr\u1eadn b\u00e3o kh\u00e1c. Do \u0111\u00f3, d\u00f9 l\u00e0 doanh nghi\u1ec7p b\u00e9 nh\u01b0ng n\u1ebfu c\u00f3 k\u1ebf ho\u1ea1ch kinh doanh v\u1eefng ch\u1eafc, ch\u1ee7 \u0111\u1ed9ng ngu\u1ed3n v\u1ed1n ph\u00f2ng ng\u1eeba r\u1ee7i ro th\u00ec v\u1eabn t\u1ed3n t\u1ea1i, n\u1ebfu kh\u00f4ng s\u1ebd tr\u1edf tay kh\u00f4ng k\u1ecbp khi \u201cb\u00e3o\u201d qu\u00e9t qua.
\nCEO L\u00ea Dung<\/em><\/strong>\u201d<\/p>\n

Trao \u0111\u1ed5i v\u1edbi PV B\u00e1o Giao th\u00f4ng, Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, chuy\u00ean gia ph\u00e1p ch\u1ebf trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng,\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>\u00a0cho r\u1eb1ng, con s\u1ed1 tr\u00ean l\u00e0 h\u1ec7 qu\u1ea3 t\u1ea5t y\u1ebfu ph\u1ea3n \u00e1nh b\u1ea5t c\u1eadp h\u1ec7 th\u1ed1ng ph\u00e1p l\u00fd, c\u00e2u chuy\u1ec7n c\u1ea1nh tranh th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng v\u00e0 s\u1ee9c kho\u1ebb c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/em><\/h5>\n

\u201cB\u1ea3n ch\u1ea5t c\u1ee7a l\u00e3i su\u1ea5t l\u00e0 gi\u00e1 c\u1ea3 \u0111\u1ed3ng ti\u1ec1n, l\u00e0 s\u1ee9c kh\u1ecfe n\u1ec1n kinh t\u1ebf, th\u00eam c\u1ea3 r\u1ee7i ro ph\u00e1p l\u00fd c\u1ed9ng v\u1edbi y\u1ebfu t\u1ed1 c\u1ea1nh tranh\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i v\u00e0 l\u00fd gi\u1ea3i: \u201cHi\u1ec7n l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng cho vay b\u00ecnh th\u01b0\u1eddng kho\u1ea3ng 10% th\u00ec l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m l\u00e0 b\u00ecnh th\u01b0\u1eddng. Trong khi Lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t 20%\/n\u0103m tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 quy \u0111\u1ecbnh kh\u00e1c, th\u00ec Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i quy \u0111\u1ecbnh c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng v\u1ec1 l\u00e3i su\u1ea5t. Ch\u01b0a k\u1ec3 Ngh\u1ecb quy\u1ebft 01\/2019 c\u1ee7a H\u1ed9i \u0111\u1ed3ng th\u1ea9m ph\u00e1n \u0111\u00e3 ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t tho\u1ea3i m\u00e1i khi trong h\u1ea1n, c\u00f2n khi qu\u00e1 h\u1ea1n th\u00ec \u00e1p d\u1ee5ng 150% l\u00e3i su\u1ea5t trong h\u1ea1n\u201d.<\/em><\/p>\n

Theo v\u1ecb chuy\u00ean gia ph\u00e1p ch\u1ebf, suy cho c\u00f9ng c\u00e2u chuy\u1ec7n l\u00e3i su\u1ea5t l\u00e0 v\u1ea5n \u0111\u1ec1 kinh t\u1ebf ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i.<\/em><\/p>\n

\u201cHi\u1ec7n t\u01b0\u1ee3ng kinh t\u1ebf ph\u1ea3i \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng kinh t\u1ebf, l\u00e0m sao h\u1ea1 \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t, t\u0103ng s\u1ee9c c\u1ea1nh tranh \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i tranh nhau cho vay m\u1edbi l\u00e0 l\u1eddi gi\u1ea3i g\u1ed1c. C\u00f2n hi\u1ec7n nay, vi\u1ec7c ng\u0103n ch\u1eb7n b\u1eb1ng c\u00e1c bi\u1ec7n ph\u00e1p x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh ch\u1ec9 l\u00e0 b\u1ec1 n\u1ed5i, kh\u00f4ng ph\u1ea3i c\u0103n c\u01a1\u201d, \u00f4ng \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n

C\u0169ng theo v\u1ecb chuy\u00ean gia, lu\u1eadt ph\u00e1p n\u00ean c\u00f3 h\u00ecnh th\u1ee9c kh\u00edch l\u1ec7 ph\u00e1t tri\u1ec3n c\u00e1c qu\u1ef9 t\u00edn d\u1ee5ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh.<\/em><\/p>\n

Song song v\u1edbi \u0111\u00f3, c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng c\u1ea7n c\u1ea3nh b\u00e1o t\u00ednh m\u1ea1o hi\u1ec3m v\u00e0 r\u1ee7i ro c\u1ee7a l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 n\u00e0y.<\/em><\/p>\n

\u201cCh\u00fang ta kh\u00f4ng n\u00ean si\u1ebft ch\u1eb7t m\u00e0 n\u00ean qu\u1ea3n l\u00fd theo h\u01b0\u1edbng bu\u1ed9c c\u00e1c \u0111\u01a1n v\u1ecb n\u00e0y ho\u1ea1t \u0111\u1ed9ng theo h\u00ecnh th\u1ee9c c\u00f4ng ty \u0111\u1ea1i ch\u00fang \u0111\u1ec3 c\u00f4ng khai, b\u1ea3o v\u1ec7 c\u1ed5 \u0111\u00f4ng\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Ho\u00e0ng V\u0169<\/h5>\n

————–<\/p>\n

Giao<\/em><\/strong> th\u00f4ng (T\u00e0i ch\u00ednh) 17-11-2022:<\/em><\/strong><\/p>\n

https:\/\/webcache.googleusercontent.com\/search?q=cache:XfIX3I-fTyEJ:https:\/\/www.baogiaothong.vn\/doanh-nghiep-cung-duong-vi-vay-nong-d534492.html&cd=1&hl=vi&ct=clnk&gl=vn&client=safari<\/a><\/em><\/p>\n

https:\/\/mylane.vn\/news\/doanh-nghiep-kho-chong-kho-vi-ganh-nang-lai-suat-20109.html<\/a><\/em><\/p>\n

(365\/1.776)<\/em><\/p>\n

#laisuat #nganhang","protected":false},"excerpt":{"rendered":"

Doanh nghi\u1ec7p kh\u00f3 ch\u1ed3ng kh\u00f3 v\u00ec g\u00e1nh n\u1eb7ng l\u00e3i su\u1ea5t (GT) – Tr\u1ea3i qua 4 tr\u1eadn d\u1ecbch Covid-19, nhi\u1ec1u doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf v\u1ed1n \u0111\u00e3 y\u1ebfu v\u1ec1 ngu\u1ed3n l\u1ef1c nay l\u1ea1i ph\u1ea3i g\u1ed3ng m\u00ecnh g\u00e1nh \u00e1p l\u1ef1c l\u00e3i su\u1ea5t, n\u1ee3 n\u1ea7n\u2026 G\u00e1nh n\u1eb7ng l\u00e3i su\u1ea5t, n\u1ee3 n\u1ea7n \u00d4ng Nguy\u1ec5n Trung Tuy\u1ebfn, \u0111\u1ea1i di\u1ec7n C\u00f4ng […]<\/p>\n","protected":false},"author":2,"featured_media":34832,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[34,36],"class_list":["post-34830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.913. Doanh nghi\u1ec7p kh\u00f3 ch\u1ed3ng kh\u00f3 v\u00ec g\u00e1nh n\u1eb7ng l\u00e3i su\u1ea5t - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Doanh nghi\u1ec7p kh\u00f3 ch\u1ed3ng kh\u00f3 v\u00ec g\u00e1nh n\u1eb7ng l\u00e3i su\u1ea5t | Tr\u1ea3i qua 4 tr\u1eadn Covid-19, nhi\u1ec1u DN v\u1eeba v\u00e0 nh\u1ecf v\u1ed1n \u0111\u00e3 y\u1ebfu l\u1ea1i ph\u1ea3i g\u1ed3ng m\u00ecnh g\u00e1nh l\u00e3i vay.\" \/>\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\/vi\/3-913-doanh-nghiep-kho-chong-kho-vi-ganh-nang-lai-suat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.913. 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