{"id":35790,"date":"2023-02-17T13:24:11","date_gmt":"2023-02-17T06:24:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=35790"},"modified":"2024-12-03T17:38:22","modified_gmt":"2024-12-03T10:38:22","slug":"3-972-vay-tien-ngan-hang-bi-ep-mua-bao-hiem-can-phai-lam-gi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-972-vay-tien-ngan-hang-bi-ep-mua-bao-hiem-can-phai-lam-gi\/","title":{"rendered":"3.972. Vay ti\u1ec1n ng\u00e2n h\u00e0ng b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m, c\u1ea7n ph\u1ea3i l\u00e0m g\u00ec?"},"content":{"rendered":"

Vay ti\u1ec1n ng\u00e2n h\u00e0ng b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m, c\u1ea7n ph\u1ea3i l\u00e0m g\u00ec?<\/span><\/h4>\n
(TT) – H\u00e0ng tr\u0103m c\u00e2u h\u1ecfi b\u1ea1n \u0111\u1ecdc g\u1eedi v\u1ec1 Tu\u1ed5i Tr\u1ebb Sao \u0111\u1ec3 \u0111\u01b0\u1ee3c lu\u1eadt s\u01b0 t\u01b0 v\u1ea5n v\u1ec1 vi\u1ec7c “Vay ti\u1ec1n ng\u00e2n h\u00e0ng b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m” t\u1ea1i bu\u1ed5i giao l\u01b0u tr\u1ef1c tuy\u1ebfn s\u00e1ng 17-2.<\/strong><\/h5>\n
Ph\u00f3 t\u1ed5ng bi\u00ean t\u1eadp b\u00e1o Tu\u1ed5i Tr\u1ebb L\u00ea Xu\u00e2n Trung (tr\u00e1i) t\u1eb7ng hoa cho lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch – \u1ea2nh: QUANG \u0110\u1ecaNH<\/h6>\n

T\u00ednh ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c n\u00e0y nh\u01b0 th\u1ebf n\u00e0o? Kh\u00e1ch h\u00e0ng c\u1ea7n l\u00e0m g\u00ec khi b\u1ecb \u00e9p mua\u00a0b\u1ea3o hi\u1ec3m? Ng\u00e2n h\u00e0ng c\u00f3 sai g\u00ec trong vi\u1ec7c b\u00e1n “bia k\u00e8m l\u1ea1c” n\u00e0y kh\u00f4ng?… l\u00e0 r\u1ea5t nhi\u1ec1u c\u00e2u h\u1ecfi v\u00e0 n\u1ed7i b\u1ee9c x\u00fac \u0111\u01b0\u1ee3c b\u1ea1n \u0111\u1ecdc g\u1eedi \u0111\u1ebfn\u00a0Tu\u1ed5i Tr\u1ebb Sao.<\/p>\n

T\u1ea5t c\u1ea3 c\u00e1c c\u00e2u h\u1ecfi tr\u00ean c\u0169ng nh\u01b0 t\u00ednh ph\u00e1p l\u00fd c\u1ee7a v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p cho b\u1ea1n \u0111\u1ecdc trong 120 ph\u00fat giao l\u01b0u tr\u1ef1c tuy\u1ebfn gi\u1eefa b\u1ea1n \u0111\u1ecdc v\u1edbi\u00a0<\/em>Tu\u1ed5i Tr\u1ebb Online.<\/em><\/h5>\n

Tu\u1ed5i Tr\u1ebb Sao mong mu\u1ed1n th\u00f4ng qua nh\u1eefng n\u1ed9i dung lu\u1eadt s\u01b0 t\u01b0 v\u1ea5n, b\u1ea1n \u0111\u1ecdc c\u00f3 \u0111\u01b0\u1ee3c th\u00f4ng tin \u0111\u1ec3 x\u1eed l\u00fd t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee7a m\u00ecnh. V\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng d\u1ef1 \u0111\u1ecbnh s\u1ebd vay ng\u00e2n h\u00e0ng trong th\u1eddi gian t\u1edbi, th\u00f4ng qua n\u1ed9i dung trong b\u00e0i n\u00e0y, c\u00e1c b\u1ea1n s\u1ebd c\u00f3 kinh nghi\u1ec7m \u0111\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi vi\u1ec7c vay c\u1ee7a m\u00ecnh.<\/p>\n

\"Vay

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI (th\u1ee9 hai t\u1eeb tr\u00e1i) t\u1ea1i bu\u1ed5i giao l\u01b0u tr\u1ef1c tuy\u1ebfn c\u1ee7a b\u00e1o Tu\u1ed5i Tr\u1ebb t\u1ea1i v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n b\u00e1o Tu\u1ed5i Tr\u1ebb \u1edf H\u00e0 N\u1ed9i | \u1ea2nh: NAM TR\u1ea6N<\/p><\/div>\n

 <\/p>\n

C\u00e1c lu\u1eadt s\u01b0 chuy\u00ean v\u1ec1 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng tham gia giao l\u01b0u tr\u1ef1c tuy\u1ebfn g\u1ed3m:<\/p>\n

– Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/em><\/strong><\/h5>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a> l\u00e0 lu\u1eadt s\u01b0 c\u00f3 h\u01a1n 35 n\u0103m ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c doanh nghi\u1ec7p, ng\u00e2n h\u00e0ng. \u00d4ng t\u1eebng l\u00e0m Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c ph\u1ee5 tr\u00e1ch ph\u00e1p ch\u1ebf c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, \u0111\u1ed3ng th\u1eddi \u00f4ng t\u1eebng tham gia r\u1ea5t nhi\u1ec1u phi\u00ean t\u00f2a \u0111\u1ea1i \u00e1n li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n

\u00d4ng tham gia giao l\u01b0u tr\u1ef1c tuy\u1ebfn v\u1edbi b\u1ea1n \u0111\u1ecdc b\u00e1o\u00a0Tu\u1ed5i Tr\u1ebb<\/em>\u00a0t\u1eeb v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n b\u00e1o\u00a0Tu\u1ed5i Tr\u1ebb<\/em>\u00a0t\u1ea1i H\u00e0 N\u1ed9i.<\/p>\n

– Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch<\/strong><\/h5>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch thu\u1ed9c \u0110o\u00e0n lu\u1eadt s\u01b0 TP.HCM. \u00d4ng c\u0169ng c\u00f3 g\u1ea7n 20 n\u0103m kinh nghi\u1ec7m trong l\u0129nh v\u1ef1c t\u01b0 v\u1ea5n ph\u00e1p l\u00fd v\u1ec1 \u0111\u1ea7u t\u01b0 v\u00e0 t\u1ed1 t\u1ee5ng.<\/p>\n

\u00d4ng c\u0169ng l\u00e0 ng\u01b0\u1eddi am hi\u1ec3u v\u1ec1 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd v\u1ec1 ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/p>\n

\u00d4ng Tr\u1ea1ch tham gia gi\u1ea3ng d\u1ea1y t\u1ea1i c\u00e1c tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc: Lu\u1eadt TP.HCM, Ngo\u1ea1i th\u01b0\u01a1ng, V\u0103n Lang…<\/p>\n

\u00d4ng tham gia giao l\u01b0u tr\u1ef1c tuy\u1ebfn t\u1ea1i TP.HCM.<\/p>\n

Tr\u1ea7n Kh\u00e1nh:<\/strong><\/h5>\n

Em l\u00e0 n\u1ea1n nh\u00e2n c\u1ee7a vi\u1ec7c g\u1eedi ti\u1ebft ki\u1ec7m b\u1ecb bi\u1ebfn th\u00e0nh b\u1ea3o hi\u1ec3m m\u00e0 b\u00e1o Tu\u1ed5i Tr\u1ebb \u0111\u1ec1 c\u1eadp m\u1ea5y ng\u00e0y g\u1ea7n \u0111\u00e2y. Do nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng v\u00e0 Manulife kh\u00f4ng t\u01b0 v\u1ea5n r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3, em \u0111\u00e3 \u0111\u1ebfn H\u1ed9i s\u1edf ng\u00e2n h\u00e0ng SCB xin tr\u00edch xu\u1ea5t camera th\u1eddi \u0111i\u1ec3m em \u0111\u1ebfn g\u1eedi ti\u1ec1n \u0111\u1ec3 l\u00e0m b\u1eb1ng ch\u1ee9ng nh\u01b0ng y\u00eau c\u1ea7u 3 l\u1ea7n m\u00e0 h\u1ed9i s\u1edf SCB v\u1eabn kh\u00f4ng ph\u1ea3n h\u1ed3i g\u00ec. M\u1ed7i l\u1ea7n em \u0111\u1ebfn ch\u1ec9 cho g\u1eb7p nh\u00e2n vi\u00ean ti\u1ebfp nh\u1eadn th\u00f4ng tin, h\u1ee9a s\u1ebd tr\u1ea3 l\u1eddi nh\u01b0ng c\u1ea3 3 l\u1ea7n \u0111\u1ec1u kh\u00f4ng. Em ph\u1ea3i l\u00e0m sao \u1ea1?<\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

Trong tr\u01b0\u1eddng h\u1ee3p m\u00e0 b\u1ea1n g\u1eb7p ph\u1ea3i th\u00ec c\u1ea7n x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c vi\u1ec7c chuy\u1ec3n ti\u1ec1n t\u1eeb ti\u1ebft ki\u1ec7m th\u00e0nh b\u1ea3o hi\u1ec3m l\u00e0 t\u1ef1 nguy\u1ec7n hay kh\u00f4ng. N\u1ebfu b\u1ea1n c\u00f3 b\u1eb1ng ch\u1ee9ng vi\u1ec7c b\u1ecb l\u1eeba d\u1ed1i, \u00e9p bu\u1ed9c hay nh\u1ea7m l\u1eabn th\u00ec c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n y\u00eau c\u1ea7u t\u00f2a \u00e1n xem x\u00e9t, tuy\u00ean b\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00f4 hi\u1ec7u. Tr\u01b0\u1edbc \u0111\u00f3 b\u1ea1n c\u00f3 th\u1ec3 g\u1eedi \u0111\u01a1n khi\u1ebfu n\u1ea1i, t\u1ed1 c\u00e1o \u0111\u1ebfn ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u01b0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec3 l\u00e0m r\u00f5 s\u1ef1 vi\u1ec7c.<\/em><\/p>\n

Nguy\u1ec5n Thao:<\/strong><\/p>\n

Nh\u00e0 n\u01b0\u1edbc c\u1ea7n c\u00f3 ch\u1ebf t\u00e0i c\u1ee5 th\u1ec3 b\u1eb1ng m\u1ed9t bi\u1ec7n ph\u00e1p n\u00e0o kh\u00e1c thay v\u00ec nh\u1eefng v\u0103n b\u1ea3n chung chung nh\u01b0 trong th\u1eddi gian v\u1eeba qua hay kh\u00f4ng? B\u1edfi quy\u1ec1n v\u1eabn thu\u1ed9c v\u1ec1 c\u00e1c ng\u00e2n h\u00e0ng theo ki\u1ec3u ng\u1ea7m hi\u1ec3u l\u00e0: \u0111\u1ed3ng \u00fd th\u00ec \u0111\u01b0\u1ee3c kh\u00f4ng \u0111\u1ed3ng \u00fd th\u00ec th\u00f4i b\u1edfi c\u0169ng ch\u1eb3ng c\u00f3 qui \u0111\u1ecbnh n\u00e0o b\u1eaft bu\u1ed9c h\u1ecd ph\u1ea3i gi\u1ea3i tr\u00ecnh nh\u01b0 ph\u1ea3i tr\u1ea3 l\u1eddi b\u1eb1ng c\u00f4ng v\u0103n hay v\u0103n b\u1ea3n nh\u01b0 c\u00e1c c\u01a1 quan h\u00e0nh ch\u00e1nh kh\u00e1c \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u00f3 b\u1eb1ng ch\u1ee9ng m\u00e0 khi\u1ebfu n\u1ea1i.<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch:<\/strong><\/h5>\n
Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch (ph\u1ea3i) trao \u0111\u1ed5i tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi c\u1ee7a b\u1ea1n \u0111\u1ecdc – \u1ea2nh: QUANG \u0110\u1ecaNH<\/h6>\n

Vi\u1ec7c tham gia c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y ho\u00e0n to\u00e0n l\u00e0 t\u1ef1 nguy\u1ec7n. H\u1ee3p \u0111\u1ed3ng giao k\u1ebft gi\u1eefa c\u00e1c b\u00ean ph\u1ea3i xu\u1ea5t ph\u00e1t t\u1eeb s\u1ef1 t\u1ef1 nguy\u1ec7n. Tuy nhi\u00ean, trong vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n c\u00f3 quy\u1ec1n c\u0103n c\u1ee9 h\u1ed3 s\u01a1, t\u00e0i li\u1ec7u ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ee7 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, l\u00e3i vay hay kh\u00f4ng.<\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u00e3 t\u1ea1o ra m\u1ed9t l\u1ee3i th\u1ebf \u201ck\u00e8o tr\u00ean\u201d r\u1ea5t l\u1edbn cho c\u00e1c ng\u00e2n h\u00e0ng trong vi\u1ec7c quy\u1ebft \u0111\u1ecbnh c\u00f3 cho vay hay kh\u00f4ng.<\/p>\n

Trong qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n vay, r\u1ea5t kh\u00f3 \u0111\u1ec3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c vi\u1ec7c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng c\u00f3 th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt trong su\u1ed1t qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n (bao g\u1ed3m nh\u01b0ng kh\u00f4ng gi\u1edbi h\u1ea1n \u1edf vi\u1ec7c ch\u1ec9 r\u00f5 cho kh\u00e1ch h\u00e0ng \u0111\u00e2u l\u00e0 kho\u1ea3n vay, \u0111\u00e2u l\u00e0 kho\u1ea3n ti\u1ebft ki\u1ec7m, \u0111\u00e2u l\u00e0 kho\u1ea3n b\u1ea3o hi\u1ec3m, \u0111\u00e2u l\u00e0 c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 kh\u00e1c d\u01b0\u1edbi d\u1ea1ng ch\u1ee9ng ch\u1ec9 qu\u1ef9\u2026, quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean, c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng bao g\u1ed3m nh\u1eefng g\u00ec, thanh to\u00e1n ra sao\u2026), d\u1eabn \u0111\u1ebfn kh\u1ea3 n\u0103ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n cung c\u1ea5p th\u00f4ng tin sai l\u1ec7ch nh\u1eb1m \u201cd\u1ee5\u201d kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m ho\u1eb7c chuy\u1ec3n sang h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 kh\u00e1c.<\/p>\n

R\u00f5 r\u00e0ng, c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 h\u1ebft s\u1ee9c ph\u1ee9c t\u1ea1p. B\u00ean c\u1ea1nh \u0111\u00f3, ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng ph\u1ee9c t\u1ea1p kh\u00f4ng k\u00e9m, khi\u1ebfn cho kh\u00e1ch h\u00e0ng d\u1ec5 r\u01a1i v\u00e0o \u201cma tr\u1eadn\u201d r\u1ed3i ph\u1ea3i ch\u1ecbu thi\u1ec7t h\u1ea1i.<\/p>\n

\"Vay<\/p>\n

Long:<\/strong><\/h5>\n

Ch\u00e0o lu\u1eadt s\u01b0, t\u00f4i kh\u00f4ng am hi\u1ec3u v\u1ec1 vi\u1ec7c vay ti\u1ec1n \u1edf ng\u00e2n h\u00e0ng nh\u01b0ng b\u00e0i b\u00e1o th\u1ea5y \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c gi\u1ea3i ng\u00e2n b\u1ecb r\u00e0ng bu\u1ed9c b\u1edfi vi\u1ec7c mua b\u1ea3o hi\u1ec3m. N\u00ean mu\u1ed1n h\u1ecfi lu\u1eadt s\u01b0 l\u00e0 khi k\u00fd h\u1ee3p \u0111\u1ed3ng cho vay th\u00ec th\u01b0\u1eddng c\u00f3 \u0111i\u1ec1u kho\u1ea3n n\u00e0o n\u00f3i t\u1edbi vi\u1ec7c r\u00e0ng bu\u1ed9c gi\u1ea3i ng\u00e2n hay kh\u00f4ng? C\u1ee5 th\u1ec3 nh\u01b0 th\u1eddi gian gi\u1ea3i ng\u00e2n v\u00e0 n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n hay gi\u1ea3i ng\u00e2n ch\u1eadm th\u00ec c\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ec1n bu kh\u00f4ng?<\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n
\"\"

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c tr\u1ea3 l\u1eddi b\u1ea1n \u0111\u1ecdc | \u1ea2nh: NAM TR\u1ea6N<\/p><\/div>\n

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Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, c\u00f3 s\u1ef1 r\u00e0ng bu\u1ed9c v\u1ec1 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 gi\u1eefa hai b\u00ean trong h\u1ee3p \u0111\u1ed3ng cho vay. Theo \u0111\u00f3, ngh\u0129a v\u1ee5 gi\u1ea3i ng\u00e2n v\u1ed1n cho vay \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng. N\u1ebfu ng\u00e2n h\u00e0ng vi ph\u1ea1m th\u1eddi h\u1ea1n gi\u1ea3i ng\u00e2n th\u00ec s\u1ebd ph\u1ea3i \u0111\u1ec1n b\u00f9.<\/em><\/p>\n

Tuy nhi\u00ean ng\u00e2n h\u00e0ng th\u01b0\u1eddng n\u1eafm \u0111\u1eb1ng chu\u00f4i n\u00ean c\u00f3 nhi\u1ec1u l\u00fd do \u0111\u1ec3 gi\u1ea3i ng\u00e2n ch\u1eadm, th\u1eadm ch\u00ed t\u1eeb ch\u1ed1i gi\u1ea3i ng\u00e2n. N\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u ki\u1ec7n do ph\u00eda ng\u00e2n h\u00e0ng \u0111\u01b0a ra, trong \u0111\u00f3 c\u00f3 vi\u1ec7c mua b\u1ea3o hi\u1ec3m th\u00ec v\u1eabn kh\u00f3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n.<\/em><\/p>\n

Aki Chan:<\/strong><\/h5>\n

– Xin th\u01b0a c\u00f3 hotline hay c\u01a1 quan n\u00e0o ti\u1ebfp nh\u1eadn v\u1ee5 vi\u1ec7c khi kh\u00e1ch h\u00e0ng b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m m\u1edbi gi\u1ea3i ng\u00e2n kh\u00f4ng? Ho\u1eb7c trong 21 ng\u00e0y c\u00e2n nh\u1eafc r\u1ed3i kh\u00e1ch h\u1ee7y b\u1ea3o hi\u1ec3m nh\u01b0ng ng\u00e2n h\u00e0ng b\u1eaft ph\u1ea3i t\u1ea5t to\u00e1n th\u00ec g\u1ecdi ai \u1ea1?<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch:<\/strong><\/h5>\n

Lu\u1eadt s\u1ef1 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi c\u1ee7a b\u1ea1n \u0111\u1ecdc.- \u1ea2nh: QUANG \u0110\u1ecaNH<\/p>\n

Hi\u1ec7n nay, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111\u00e3 thi\u1ebft l\u1eadp \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng \u0111\u1ec3 n\u1eafm b\u1eaft v\u00e0 x\u1eed l\u00fd ph\u1ea3n \u00e1nh, ki\u1ebfn ngh\u1ecb c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c c\u01a1 quan, doanh nghi\u1ec7p li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n

Do \u0111\u00f3, ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 g\u1ecdi cho hotline c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc nh\u01b0 sau \u0111\u1ec3 ph\u1ea3n \u00e1nh t\u00ecnh tr\u1ea1ng ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch h\u00e0ng \u0111i vay v\u1ed1n mua b\u1ea3o hi\u1ec3m:<\/p>\n

– S\u1ed1 c\u1ed1 \u0111\u1ecbnh: (024) 3936.1017<\/p>\n

– S\u1ed1 di \u0111\u1ed9ng: 0942.966.854<\/p>\n

– Email: duongdaynong.cqttgsnh@sbv.gov.vn.<\/p>\n

Tr\u1ea7n Anh T\u00fa:<\/strong><\/h5>\n

T\u00f4i \u0111ang l\u00e0m h\u1ed3 s\u01a1 vay t\u1ea1i ng\u00e2n h\u00e0ng Eximbank v\u1edbi s\u1ed1 ti\u1ec1n vay l\u00e0 300,000,000 \u0111\u1ed3ng,l\u00e3i su\u1ea5t 15%\/n\u0103m v\u00e0 b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m 1 n\u0103m tr\u1ecb gi\u00e1 15 tri\u1ec7u. M\u1eb7c d\u00f9 kh\u00f4ng c\u00f3 nhu c\u1ea7u mua b\u1ea3o hi\u1ec3m nh\u01b0ng v\u00ec mu\u1ed1n \u0111\u01b0\u1ee3c duy\u1ec7t vay n\u00ean t\u00f4i \u0111\u00e0nh b\u1ea5m b\u1ee5ng mua g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y. T\u00f4i mu\u1ed1n h\u1ecfi vi\u1ec7c ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c duy\u1ec7t vay l\u00e0 \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hay kh\u00f4ng?<\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

Vi\u1ec7c \u00e9p bu\u1ed9c l\u00e0 tr\u00e1i ph\u00e1p lu\u1eadt trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p. B\u1ea1n c\u1ea7n c\u00e2n nh\u1eafc \u0111\u1ec3 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng n\u1ebfu c\u00f3 s\u1ef1 l\u1ef1a ch\u1ecdn kh\u00e1c.<\/em><\/p>\n

Minh H\u1eb1ng:<\/em><\/strong><\/p>\n

\u0110\u00e3 t\u1eeb l\u00e2u ng\u00e0nh b\u1ea3o hi\u1ec3m kh\u00f4ng kinh doanh b\u1eb1ng ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng, khi\u1ebfn kh\u00e1ch h\u00e0ng quay l\u01b0ng, gi\u1edd l\u1ea1i b\u1eaft tay v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 b\u1eaft ch\u1eb9t kh\u00e1ch h\u00e0ng, nh\u01b0 v\u1eady h\u1ecd c\u00f3 \u0111ang l\u1ea1m quy\u1ec1n v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00f4ng? Mong b\u00e1o Tu\u1ed5i Tr\u1ebb l\u00e0m r\u00f5 v\u1ea5n \u0111\u1ec1.<\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

S\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m l\u00e0 hay, l\u00e0 t\u1ed1t v\u00e0 c\u1ea7n thi\u1ebft nh\u01b0ng b\u00e1n r\u1ea5t kh\u00f3 n\u00ean b\u1ea3o hi\u1ec3m ph\u1ea3i ch\u1ea5p nh\u1eadn chi ph\u00ed b\u00e1n h\u00e0ng cao, t\u1ee9c tr\u1ea3 hoa h\u1ed3ng cao. \u0110\u00f3 c\u0169ng l\u00e0 l\u00fd do h\u1ea5p d\u1eabn n\u00ean c\u00f3 r\u1ea5t nhi\u1ec1u \u0111\u1ea1i l\u00fd b\u00e1n b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 c\u00f3 ng\u00e2n h\u00e0ng.<\/em><\/p>\n

C\u1ea3 kh\u00e1ch h\u00e0ng g\u1eedi v\u00e0 vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec1u l\u00e0 kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng r\u1ea5t l\u1edbn c\u1ee7a b\u1ea3o hi\u1ec3m, c\u00f3 kh\u1ea3 n\u0103ng b\u00e1n \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ea3n ph\u1ea9m v\u00e0 c\u00f3 hi\u1ec7u qu\u1ea3 cao (c\u00f3 th\u1ec3 v\u00ed nh\u01b0 thay v\u00ec b\u00e1n l\u1ebb th\u00ec b\u00e1n qua ng\u00e2n h\u00e0ng gi\u1ed1ng nh\u01b0 ki\u1ec3u b\u00e1n bu\u00f4n b\u1ea3o hi\u1ec3m).<\/em><\/p>\n

Ch\u00ednh v\u00ec v\u1eady, b\u1ea3o hi\u1ec3m c\u00e0ng s\u1eb5n s\u00e0ng tr\u1ea3 ph\u00ed hoa h\u1ed3ng cao cho ng\u00e2n h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng. T\u00f4i \u0111\u01b0\u1ee3c bi\u1ebft c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p b\u1ea3o hi\u1ec3m tr\u1ea3 hoa h\u1ed3ng cho ng\u00e2n h\u00e0ng cao g\u1ea5p \u0111\u00f4i tr\u1ea7n kh\u1ed1ng ch\u1ebf c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, t\u1ea5t nhi\u00ean ph\u1ea3i \u0111\u01b0\u1ee3c h\u1ee3p th\u1ee9c h\u00f3a.<\/em><\/p>\n

Tuy nhi\u00ean, quy \u0111\u1ecbnh chung c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 Lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m \u0111\u1ec1u n\u00eau r\u00f5 \u0111\u1ec1u c\u1ea5m vi\u1ec7c \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

Nguy\u1ec5n V\u0169:<\/strong><\/h5>\n

Ngo\u00e0i nh\u1eefng kho\u1ea3n b\u1ea3o hi\u1ec3m \u00e9p mua c\u00f2n r\u1ea5t nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh “c\u1ea7n ph\u1ea3i mua” nh\u01b0 t\u00e0i kho\u1ea3n s\u1ed1 \u0111\u1eb9p… Khi kh\u00f4ng c\u00f3 1 k\u00eanh n\u00e0o \u0111\u1ec3 \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin th\u00ec gi\u1ea3i ph\u00e1p n\u00e0o \u0111\u1ec3 \u0111\u00e1nh \u0111\u00fang g\u1ed1c r\u1ec5 v\u1ea5n \u0111\u1ec1? n\u1ebfu kh\u00f4ng s\u1ebd c\u00f3 th\u00eam nhi\u1ec1u “ch\u00ednh s\u00e1ch” kh\u00e1c thay cho “b\u1ea3o hi\u1ec3m khi vay”?<\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

C\u00f3 ba y\u1ebfu t\u1ed1 ch\u00ednh t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn vi\u1ec7c n\u00e0y.<\/em><\/p>\n

Th\u1ee9 nh\u1ea5t l\u00e0 ph\u00e1p lu\u1eadt \u0111\u00e3 quy \u0111\u1ecbnh t\u01b0\u01a1ng \u0111\u1ed1i r\u00f5 v\u1ec1 tr\u00e1ch nhi\u1ec7m v\u00e0 ch\u1ebf t\u00e0i \u0111\u1ed1i v\u1edbi c\u00e1c b\u00ean li\u00ean quan.<\/em><\/p>\n

Th\u1ee9 hai, v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt m\u00e0 c\u1ea7n ph\u1ea3i \u0111\u1ec1 cao v\u0103n h\u00f3a, \u0111\u1ea1o \u0111\u1ee9c kinh doanh \u0111\u1ec3 kh\u00f4ng g\u00e2y b\u1ee9c x\u00fac cho kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

Th\u1ee9 ba, v\u1ec1 ph\u00eda kh\u00e1ch h\u00e0ng th\u00ec c\u1ea7n n\u1eafm r\u00f5 \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh trong c\u00e1c giao d\u1ecbch v\u1edbi ng\u00e2n h\u00e0ng.<\/em><\/p>\n

\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 kh\u00e1ch h\u00e0ng c\u0169ng c\u1ea7n ph\u1ea3i s\u1eed d\u1ee5ng “quy\u1ec1n l\u1ef1c ng\u01b0\u1eddi ti\u00eau d\u00f9ng” l\u00e0 l\u00ean ti\u1ebfng m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd, th\u1eadm ch\u00ed trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 c\u1ea7n ph\u1ea3i ki\u1ec7n ra t\u00f2a \u0111\u1ec3 ng\u00e2n h\u00e0ng ph\u1ea3i thay \u0111\u1ed5i v\u0103n h\u00f3a kinh doanh.<\/em><\/p>\n

Trung D\u0169ng:<\/strong><\/h5>\n

M\u00f4 h\u00ecnh Bancassurance Model m\u1ed7i c\u00f4ng ty tri\u1ec3n khai kh\u00e1c nhau. C\u00e1ch \u0111\u00e2y 10 n\u0103m \u0111\u00e2y l\u00e0 cu\u1ed9c k\u1ebft h\u00f4n d\u00e2u c\u00f3 kh\u00e1ch h\u00e0ng v\u00e0 ch\u00fa r\u1ec3 c\u00f3 ti\u1ec1n. V\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y “c\u1ecdc \u0111i t\u00ecm tr\u00e2u” r\u1ea5t nhi\u1ec1u, t\u1ea1o n\u00ean ti\u1ec1n l\u1ec7 nh\u00e0 g\u00e1i ra gi\u00e1 Upfun free n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m mu\u1ed1n b\u00e1n qua ng\u00e2n h\u00e0ng \u0111\u00f3. V\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean m\u00f4 h\u00ecnh n\u00e0y c\u00e1c c\u00f4ng t\u00fd b\u1ea3o hi\u1ec3m kh\u00f4ng \u00e1p \u0111\u1eb7t \u0111\u01b0\u1ee3c cho ng\u00e2n h\u00e0ng v\u00ec ph\u00ed tr\u1ea3 tr\u01b0\u1edbc qu\u00e1 l\u1edbn. Theo lu\u1eadt s\u01b0, \u0111\u00e2y c\u00f3 ph\u1ea3i l\u00e0 “\u0111\u1ed9ng l\u1ef1c” \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 \u0111\u1ee7 ngu\u1ed3n l\u1ef1c l\u00e0m vi\u1ec7c kh\u00e1c kh\u00f4ng?<\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

Khi c\u00e1c b\u00ean l\u00e0 ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m v\u00e0 nh\u00e2n vi\u00ean \u0111\u1ec1u c\u00f3 l\u1ee3i \u00edch l\u1edbn t\u1eeb vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m th\u00ec r\u1ea5t d\u1ec5 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng t\u00ecm m\u1ecdi c\u00e1ch \u0111\u1ec3 b\u00e1n h\u00e0ng, trong \u0111\u00f3 kh\u00f4ng lo\u1ea1i tr\u1eeb vi\u1ec7c \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

Ph\u00eda ng\u00e2n h\u00e0ng gia nh\u1eadp v\u00e0o \u0111\u1ed9i ng\u0169 b\u00e1n b\u1ea3o hi\u1ec3m v\u1edbi th\u1ebf m\u1ea1nh, c\u01a1 h\u1ed9i, l\u1ee3i th\u1ebf v\u00f4 c\u00f9ng l\u1edbn v\u00e0 ngu\u1ed3n l\u1ee3i thu \u0111\u01b0\u1ee3c r\u1ea5t l\u1edbn, kho\u1ea3n thu nh\u1eadp t\u1eeb d\u1ecbch v\u1ee5 r\u1ea5t an to\u00e0n m\u00e0 kh\u00f4ng ph\u1ea3i \u0111\u1ea7u t\u01b0, chi ph\u00ed nhi\u1ec1u.<\/em><\/p>\n

Tuy nhi\u00ean hi\u1ec7n nay c\u00f3 t\u00ecnh tr\u1ea1ng c\u00e1c ng\u00e2n h\u00e0ng l\u1ea1m d\u1ee5ng v\u1ecb th\u1ec3 \u0111\u1ec3 g\u00e2y s\u1ee9c \u00e9p v\u1edbi kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

L\u00ea v\u0103n T\u1edbi:<\/strong><\/h5>\n

T\u00f4i vay ti\u1ec1n ng\u00e2n h\u00e0ng TPbank, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng b\u1eaft bu\u1ed9c mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u1edbi gi\u1ea3i ng\u00e2n. T\u00f4i \u0111i vay th\u00ec ti\u1ec1n \u0111\u00e2u mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Manulife, Sunlife, Prudential… Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng n\u00f3i l\u00e0m th\u1ebb t\u00edn d\u1ee5ng, c\u00e0 th\u1ebb \u0111\u1ec3 thanh to\u00e1n mi\u1ec5n ph\u00ed, mi\u1ec5n l\u00e3i khi x\u00e0i th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ec3 tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m trong th\u1eddi gian mua b\u1ea3o hi\u1ec3m. Nh\u01b0ng th\u1ef1c t\u1ebf ch\u1ec9 1 n\u0103m \u0111\u1ea7u mi\u1ec5n ph\u00ed mi\u1ec5n l\u00e3i, \u0111\u1ebfn n\u0103m sau c\u00e0 th\u1ebb thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m th\u00ec ph\u1ea3i tr\u1ea3 ph\u00ed v\u00e0 l\u00e3i v\u1eady. Ng\u00e2n h\u00e0ng kh\u00f4ng l\u00e0m \u0111\u00fang cam k\u1ebft ban \u0111\u1ea7u, t\u00f4i c\u00f3 quy\u1ec1n khi\u1ebfu n\u1ea1i kh\u00f4ng? N\u1ebfu khi\u1ebfu n\u1ea1i t\u00f4i c\u00f3 b\u1ecb sao kh\u00f4ng?<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch:<\/strong><\/h5>\n

C\u0103n c\u1ee9 m\u1ee5c 2 c\u00f4ng v\u0103n 7928\/NHNN-TTGSNH n\u0103m 2020 v\u1ec1 ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh nh\u01b0 sau:<\/p>\n

R\u00e0 so\u00e1t, t\u0103ng c\u01b0\u1eddng ki\u1ec3m tra, ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng c\u1ee7a t\u1ed5 ch\u1ee9c tin d\u1ee5ng v\u00e0 x\u1eed l\u00fd nghi\u00eam nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u201c\u00e9p\u201d, b\u1eaft bu\u1ed9c kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c khi c\u1ea5p t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng, g\u1eafn vi\u1ec7c b\u1eaft bu\u1ed9c mua b\u1ea3o hi\u1ec3m v\u1edbi vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng.<\/p>\n

Theo \u0111\u00f3, ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u00e9p kh\u00e1ch h\u00e0ng mua g\u00f3i b\u1ea3o hi\u1ec3m m\u1edbi \u0111\u01b0\u1ee3c vay ti\u1ec1n.<\/p>\n

B\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c quy\u1ec1n c\u1ee7a m\u00ecnh \u0111\u1ec3 khi\u1ebfu n\u1ea1i nh\u1eefng h\u00e0nh vi c\u1ee7a ng\u00e2n h\u00e0ng m\u00e0 b\u1ea1n n\u00eau v\u00e0 s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft n\u1ebfu nh\u01b0 c\u00f3 c\u0103n c\u1ee9 x\u00e1c \u0111\u00e1ng.<\/p>\n

S\u01a1n:<\/strong><\/h5>\n

C\u00f3 c\u1ea5m h\u1eb3n nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi kh\u00e1ch vay ho\u1eb7c g\u1eedi ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c kh\u00f4ng?<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch:<\/strong><\/h5>\n

Theo kho\u1ea3n 3 \u0110i\u1ec1u 3, \u0110i\u1ec1u 4 Th\u00f4ng t\u01b0 s\u1ed1 37\/2019\/TT-NHNN ng\u00e0y 31-12-2019 th\u00ec khi ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng gi\u1edbi thi\u1ec7u kh\u00e1ch h\u00e0ng, ch\u00e0o b\u00e1n b\u1ea3o hi\u1ec3m, thu x\u1ebfp vi\u1ec7c giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, thu ph\u00ed b\u1ea3o hi\u1ec3m, thu x\u1ebfp gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng, tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m v\u00e0 ho\u1ea1t \u0111\u1ed9ng kh\u00e1c theo quy \u0111\u1ecbnh.<\/p>\n

Ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n \u0111\u1ec1 c\u1eadp, t\u01b0 v\u1ea5n nh\u01b0ng quy\u1ec1n quy\u1ebft \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m hay kh\u00f4ng l\u00e0 \u1edf kh\u00e1ch h\u00e0ng, \u0111\u1ed3ng th\u1eddi, c\u0103n c\u1ee9 m\u1ee5c 2 C\u00f4ng v\u0103n 7928\/NHNN-TTGSNH n\u0103m 2020, ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u00e9p kh\u00e1ch h\u00e0ng mua g\u00f3i b\u1ea3o hi\u1ec3m m\u1edbi \u0111\u01b0\u1ee3c vay ti\u1ec1n.<\/p>\n

<\/h6>\n

Nh\u1eb1m \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00ecn d\u1ee5ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u0169ng \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c r\u00e0 so\u00e1t, t\u0103ng c\u01b0\u1eddng ki\u1ec3m tra, ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng v\u00e0 x\u1eed l\u00fd nghi\u00eam nh\u1eefng tr\u01b0\u1eddng h\u1ee3p “\u00e9p”, b\u1eaft bu\u1ed9c kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c khi c\u1ea5p t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng, g\u1eafn vi\u1ec7c b\u1eaft bu\u1ed9c mua b\u1ea3o hi\u1ec3m v\u1edbi vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng.<\/p>\n

B\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o C\u00f4ng v\u0103n s\u1ed1 7928\/NHNN-TTGCNH \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh ng\u00e0y 30-10-2020)<\/p>\n

Emi:<\/strong><\/h5>\n

C\u00f3 c\u1ea5m h\u1eb3n nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn b\u1ea3o hi\u1ec3m v\u1edbi kh\u00e1ch vay hay g\u1eedi ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c kh\u00f4ng \u1ea1?<\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

Lu\u1eadt T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn cho ph\u00e9p ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2006 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2010 v\u00e0 2019) quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt l\u00e0 \u201c\u00e9p bu\u1ed9c giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\u201d.<\/em><\/p>\n

Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2022 quy \u0111\u1ecbnh r\u00f5 h\u01a1n m\u1ed9t trong c\u00e1c h\u00e0nh vi b\u1ecb nghi\u00eam c\u1ea5m l\u00e0 \u201c\u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\u201d. Lu\u1eadt c\u0169ng quy \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ecb v\u00f4 hi\u1ec7u trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, trong \u0111\u00f3 c\u00f3 2 tr\u01b0\u1eddng h\u1ee3p sau \u0111\u00e2y:<\/em><\/p>\n

    \n
  1. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c giao k\u1ebft c\u00f3 s\u1ef1 nh\u1ea7m l\u1eabn l\u00e0m cho m\u1ed9t b\u00ean ho\u1eb7c c\u00e1c b\u00ean kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c giao k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/em><\/li>\n
  2. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c giao k\u1ebft do b\u1ecb \u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p.<\/em><\/li>\n<\/ol>\n
    L\u00ea Phan:<\/strong><\/h5>\n

    D\u01b0\u1eddng nh\u01b0 m\u1ecdi ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 lu\u1eadt ng\u1ea7m. \u0110\u1eb7c bi\u1ec7t khi kh\u00f3 kh\u0103n v\u1ec1 v\u1ed1n trong giai \u0111o\u1ea1n hi\u1ec7n nay, vi\u1ec7c \u0111\u1ed3ng \u00fd mua b\u1ea3o hi\u1ec3m th\u00ec duy\u1ec7t cho vay, kh\u00f4ng \u0111\u1ed3ng \u00fd th\u00ec ng\u00e2m h\u1ed3 s\u01a1, cho nh\u00e2n vi\u00ean thuy\u1ebft ph\u1ee5c \u0111\u1ec3 ph\u1ea3i mua b\u1ea3o hi\u1ec3m. Kh\u00e1ch mua xong b\u1ea3o hi\u1ec3m 1 n\u0103m r\u1ed3i kh\u00f4ng \u0111\u00f3ng ti\u1ebfp, g\u00e2y l\u00e3ng ph\u00ed v\u00e0 m\u1ea5t ti\u1ec1n oan. Ng\u00e2n h\u00e0ng lu\u00f4n n\u1eafm \u0111\u1eb1ng chu\u00f4i. Ph\u1ea3i l\u00e0m sao \u0111\u1ec3 d\u1eb9p h\u1eb3n vi\u1ec7c \u00e9p mua b\u1ea3o hi\u1ec3m n\u00e0y?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

    M\u1eb7c d\u00f9 c\u00f3 s\u1ef1 c\u1ea1nh tranh s\u00f2ng ph\u1eb3ng, m\u1ea1nh m\u1ebd, kh\u1ed1c li\u1ec7t gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0ng l\u1ea1i \u0111\u1ec1u gi\u1ed1ng nhau \u1edf ch\u1ed7 c\u00f3 quan \u0111i\u1ec3m “t\u1eadn thu” khi\u1ebfn kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 s\u1ef1 l\u1ef1a ch\u1ecdn. Th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u c\u00f3 “v\u0103n h\u00f3a kinh doanh” theo ki\u1ec3u \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m. Quan \u0111i\u1ec3m kinh doanh n\u00e0y c\u1ee7a ng\u00e2n h\u00e0ng th\u1ef1c s\u1ef1 c\u00f3 v\u1ea5n \u0111\u1ec1 v\u00e0 \u0111ang b\u1ecb d\u01b0 lu\u1eadn ph\u1ea3n \u1ee9ng d\u1eef d\u1ed9i.<\/em><\/p>\n

    C\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng ch\u01b0a th\u1ef1c s\u1ef1 nh\u1eafc nh\u1edf, ch\u1ea5n ch\u1ec9nh \u0111\u1ec3 l\u00e0m h\u00e0i h\u00f2a l\u1ee3i \u00edch gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng n\u00ean th\u1eddi \u0111i\u1ec3m n\u00e0y c\u00e1c c\u01a1 quan ng\u00f4n lu\u1eadn, kh\u00e1ch h\u00e0ng, d\u01b0 lu\u1eadn \u0111\u1ec1u l\u00ean ti\u1ebfng, k\u1ec3 c\u1ea3 vi\u1ec7c kh\u1edfi ki\u1ec7n ra t\u00f2a, t\u1ed1 c\u00e1o ra c\u01a1 quan c\u00f4ng an s\u1ebd khi\u1ebfn vi\u1ec7c \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m ph\u1ea3i ch\u1ea5m d\u1ee9t.<\/em><\/p>\n

    Nguy\u1ec5n v\u0103n th\u00e9p:<\/strong><\/h5>\n

    T\u00f4i vay ng\u00e2n h\u00e0ng BIDV 240 tri\u1ec7u th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng b\u1eaft mua b\u1ea3o hi\u1ec3m kho\u1ea3n vay kho\u1ea3ng m\u1ed9t tri\u1ec7u h\u01a1n. N\u1ebfu kh\u00f4ng mua s\u1ebd n\u00e2ng l\u00e3i su\u1ea5t th\u00eam 0.5% n\u0103m. M\u1ea5y n\u0103m tr\u01b0\u1edbc t\u00f4i kh\u00f4ng \u0111\u1ed3ng \u00fd mua th\u00ec nh\u00e2n vi\u00ean c\u00f3 th\u00e1i \u0111\u1ed9 v\u1edbi t\u00f4i n\u00ean khi \u0111\u00e1o h\u1ea1n t\u00f4i ch\u1ea5p nh\u1eadn mua. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y ng\u00e2n h\u00e0ng n\u00e2ng l\u00e3i su\u1ea5t l\u00ean nh\u01b0 v\u1eady \u0111\u00fang hay sai. T\u00f4i c\u1ea7n l\u00e0m g\u00ec trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

    Ph\u00e1p lu\u1eadt cho ph\u00e9p th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t gi\u1eefa ng\u00e2n h\u00e0ng v\u1edbi kh\u00e1ch h\u00e0ng. V\u00ec v\u1eady kh\u00e1ch h\u00e0ng c\u1ea7n c\u00e2n nh\u1eafc tr\u01b0\u1eddng h\u1ee3p n\u00e0o ph\u00f9 h\u1ee3p v\u00e0 c\u00f3 l\u1ee3i cho m\u00ecnh th\u00ec th\u1ef1c hi\u1ec7n.<\/em><\/p>\n

    Xu\u00e2n L\u00fd:<\/strong><\/h5>\n

    Xin ch\u00e0o Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, \u00f4ng \u0111\u00e3 t\u1eebng c\u00f4ng t\u00e1c trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u1eady \u00f4ng c\u00f3 l\u1eddi khuy\u00ean n\u00e0o cho nh\u1eefng kh\u00e1ch h\u00e0ng ph\u1ea3i vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0 ch\u00fang t\u00f4i \u0111\u1ec3 kh\u1ecfi ph\u1ea3i mua b\u1ea3o hi\u1ec3m kh\u00f4ng \u1ea1?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

    Kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n l\u00fd t\u01b0\u1edfng \u0111\u1ec3 vay v\u1ed1n th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i m\u1eddi ch\u00e0o, \u01b0u \u0111\u00e3i thay v\u00ec \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, th\u1ef1c t\u1ebf \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u ki\u1ec7n n\u00e0y th\u00ec kh\u00f4ng h\u1ec1 d\u1ec5 d\u00e0ng. Kh\u00e1ch h\u00e0ng khi \u0111\u00e3 l\u00e0 m\u1ed9t b\u00ean y\u1ebfu th\u1ebf ph\u1ee5 thu\u1ed9c th\u00ec r\u1ea5t kh\u00f3 t\u1eeb ch\u1ed1i nh\u1eefng y\u00eau c\u1ea7u t\u1eeb ph\u00eda ng\u00e2n h\u00e0ng \u0111\u01b0a ra.<\/em><\/p>\n

    Kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n th\u00ec th\u01b0\u1eddng l\u00e0 r\u1ea5t tin t\u01b0\u1edfng v\u00e0o uy t\u00edn v\u00e0 s\u1ef1 chuy\u00ean nghi\u1ec7p c\u1ee7a ng\u00e2n h\u00e0ng, n\u00ean d\u1ec5 ch\u1ea5p nh\u1eadn mua b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

    Kh\u00e1ch h\u00e0ng vay ti\u1ec1n th\u00ec th\u01b0\u1eddng l\u00e0 r\u1ea5t c\u1ea7n \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng, m\u00e0 \u1edf \u0111\u00e2u c\u0169ng v\u1eady. Tuy c\u00e1c ng\u00e2n h\u00e0ng r\u1ea5t c\u1ea1nh tranh, nh\u01b0ng vi\u1ec7c \u201cm\u1eddi ch\u00e0o\u201d kh\u00e1ch h\u00e0ng \u201ct\u1ef1 nguy\u1ec7n\u201d mua b\u1ea3o hi\u1ec3m th\u00ec d\u01b0\u1eddng nh\u01b0 kh\u00e1 gi\u1ed1ng nhau.<\/em><\/p>\n

    Th\u1ef1c t\u1ebf cho th\u1ea5y r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng hi\u1ec3u r\u00f5 b\u1ea3n ch\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m, d\u1ec5 d\u00e3i v\u00e0 kh\u00f4ng \u0111\u1ee7 t\u1ec9nh t\u00e1o, th\u1eadn tr\u1ecdng khi \u201c\u0111\u1ea7u h\u00e0ng\u201d t\u1eb7c l\u01b0\u1ee1i , g\u1eadt \u0111\u1ea7u ch\u1ea5p nh\u1eadn v\u00f4 \u0111i\u1ec1u ki\u1ec7n.<\/em><\/p>\n

    Hoang Diep:<\/strong><\/h5>\n

    T\u00f4i c\u00f3 l\u00e0m h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u00f3 gi\u1edbi thi\u1ec7u m\u1ed9t kho\u1ea3n g\u1eedi ti\u1ebft ki\u1ec7m m\u1ee9c l\u00e3i cao l\u00e0 13 th\u00e1ng nh\u01b0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng kho\u1ea3n g\u1eedi ti\u1ebft ki\u1ec7m 13 th\u00e1ng n\u00e0y th\u00ec t\u00f4i ph\u1ea3i mua b\u1ea3o hi\u1ec3m v\u1edbi gi\u00e1 15 tri\u1ec7u. V\u1eady c\u00f3 \u0111\u00fang kh\u00f4ng?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch:<\/strong><\/h5>\n

    Ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c ch\u00e0o b\u00e1n b\u1ea3o hi\u1ec3m khi trong gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f3 c\u00f3 \u201cho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d (kho\u1ea3n 3 \u0110i\u1ec1u 3 Th\u00f4ng t\u01b0 s\u1ed1 37\/2019\/TT-NHNN ng\u00e0y 31-12-2019, h\u01b0\u1edbng d\u1eabn ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi ng\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m).<\/p>\n

    Li\u00ean quan \u0111\u1ebfn ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i (m\u1ee9c cao) khi g\u1eedi ti\u1ebft ki\u1ec7m k\u00e8m theo \u0111i\u1ec1u ki\u1ec7n mua b\u1ea3o hi\u1ec3m, ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m vi\u1ec7c \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch n\u00e0y.<\/p>\n

    Tuy nhi\u00ean, kh\u00e1ch h\u00e0ng c\u1ea7n ph\u1ea3i th\u1eadn tr\u1ecdng c\u00e2n nh\u1eafc l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c g\u1eedi ti\u1ebft ki\u1ec7m v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n so v\u1edbi vi\u1ec7c g\u1eedi ti\u1ebft ki\u1ec7m v\u1edbi l\u00e3i su\u1ea5t cao nh\u01b0ng k\u00e8m theo mua b\u1ea3o hi\u1ec3m. B\u1edfi l\u1ebd, th\u00f4ng th\u01b0\u1eddng, c\u00e1c kho\u1ea3n ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd ph\u1ea3i \u0111\u00f3ng theo t\u1eebng n\u0103m v\u1edbi nhi\u1ec1u th\u1eddi h\u1ea1n kh\u00e1c nhau.<\/p>\n

    C\u0103n c\u1ee9 kho\u1ea3n \u0110i\u1ec1u 6 Th\u00f4ng t\u01b0 s\u1ed1 37\/2019\/TT-NHNN ng\u00e0y 31-12-2019 th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin li\u00ean quan \u0111\u1ebfn c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, c\u1ee5 th\u1ec3:<\/h6>\n

    \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 c\u00e1c ngh\u0129a v\u1ee5 c\u1ee7a \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 sau \u0111\u00e2y:<\/p>\n

    a) Gi\u1ea3i th\u00edch cho kh\u00e1ch h\u00e0ng c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i th\u00f4ng qua t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ea3n ph\u1ea9m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;<\/p>\n

    b) Qu\u1ea3n l\u00fd, l\u01b0u tr\u1eef danh s\u00e1ch c\u00e1c nh\u00e2n vi\u00ean trong t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m theo th\u1ecfa thu\u1eadn t\u1ea1i h\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m;<\/p>\n

    c) Cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m th\u00f4ng tin v\u1ec1 c\u00e1c kho\u1ea3n ph\u00ed b\u1ea3o hi\u1ec3m thu \u0111\u01b0\u1ee3c, c\u00e1c kho\u1ea3n chi tr\u1ea3 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c kho\u1ea3n thanh to\u00e1n kh\u00e1c theo th\u1ecfa thu\u1eadn t\u1ea1i h\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m;<\/p>\n

    d) Thanh to\u00e1n to\u00e0n b\u1ed9 ph\u00ed b\u1ea3o hi\u1ec3m thu \u0111\u01b0\u1ee3c cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m sau khi tr\u1eeb \u0111i hoa h\u1ed3ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, c\u00e1c kho\u1ea3n chi tr\u1ea3 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c kho\u1ea3n thanh to\u00e1n kh\u00e1c theo th\u1ecfa thu\u1eadn t\u1ea1i h\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m;<\/p>\n

    \u0111) Cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c v\u00e0 \u0111\u1ed1i chi\u1ebfu v\u1edbi doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u1ec1 c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft t\u1eeb kh\u00e1ch h\u00e0ng m\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 ngh\u0129a v\u1ee5 thu th\u1eadp theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 7 Th\u00f4ng t\u01b0 n\u00e0y\u201d.<\/p>\n

    Kh\u00e1ch h\u00e0ng c\u1ea7n t\u00ecm hi\u1ec3u th\u1eadt k\u1ef9 th\u00f4ng tin tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/h6>\n
    Dai Dung Nguyen:<\/strong><\/h5>\n

    T\u00f4i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec3 xin h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng, m\u1ee5c \u0111\u00edch l\u00e0 nh\u1edd ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 b\u1ea3o l\u00e3nh. Ng\u00e2n h\u00e0ng \u0111\u00f3 tr\u01b0\u1edbc khi t\u00e1i c\u1ea5p h\u1ea1n m\u1ee9c c\u00f3 \u0111\u1ec1 ngh\u1ecb t\u00f4i ph\u1ea3i mua b\u1ea3o hi\u1ec3m gi\u00e1 tr\u1ecb 0,5% h\u1ea1n m\u1ee9c. H\u1ecd n\u00f3i \u0111\u00e2y l\u00e0 quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng, \u0111i\u1ec1u n\u00e0y c\u00f3 \u0111\u00fang kh\u00f4ng?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

    \u0110\u00e2y ch\u1eafc ch\u1eafn kh\u00f4ng ph\u1ea3i quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt m\u00e0 ch\u1ec9 l\u00e0 “lu\u1eadt ch\u01a1i” do ng\u00e2n h\u00e0ng \u0111\u1eb7t ra. Vi\u1ec7c mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c ch\u1ec9 \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u00f3 nguy c\u01a1 cao v\u1ec1 ch\u00e1y n\u1ed5 theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ph\u00f2ng ch\u00e1y ch\u1eefa ch\u00e1y v\u00e0 Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

    NGUY\u1ec4N H\u1eeeU \u0110\u1ecaNH:<\/strong><\/h5>\n

    T\u00f4i c\u0169ng g\u1eb7p tr\u01b0\u1eddng h\u1ee3p khi vay, ng\u00e2n h\u00e0ng gi\u1edbi thi\u1ec7u nh\u00e2n vi\u00ean ph\u1ee5 tr\u00e1ch b\u00ean b\u1ea3o hi\u1ec3m t\u01b0 v\u1ea5n mua g\u00f3i b\u1ea3o hi\u1ec3m 50 tri\u1ec7u\/ n\u0103m k\u00e8m theo \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i kh\u00e1m b\u1ec7nh mi\u1ec5n ph\u00ed nh\u01b0ng kh\u00f4ng t\u01b0 v\u1ea5n m\u1ed7i n\u0103m, n\u1ebfu kh\u00f4ng d\u00f9ng g\u00f3i kh\u00e1m b\u1ec7nh v\u1eabn ph\u1ea3i b\u1ecb tr\u1eeb ti\u1ec1n 8tr8\/n\u0103m. Gi\u1edd kh\u00f4ng mu\u1ed1n ti\u1ebfp t\u1ee5c tham gia n\u1eefa, t\u00f4i c\u00f3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ti\u1ec1n kh\u00f4ng?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

    Kh\u00e1ch h\u00e0ng \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u00ec ph\u1ea3i c\u00f3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 th\u1ecfa thu\u1eadn c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng.<\/em><\/p>\n

    N\u1ebfu kh\u00e1ch h\u00e0ng ch\u1ea5m d\u1ee9t hay kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang ngh\u0129a v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng th\u00ec s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c quy\u1ec1n l\u1ee3i nh\u01b0 cam k\u1ebft.<\/em><\/p>\n

    Vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c ho\u00e0n ti\u1ec1n hay kh\u00f4ng th\u00ec ph\u1ea3i c\u0103n c\u1ee9 theo \u0111i\u1ec1u kho\u1ea3n th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng nh\u01b0ng th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i s\u1ed1 ti\u1ec1n r\u1ea5t nh\u1ecf.<\/em><\/p>\n

    H\u1ea3i Nam:<\/strong><\/p>\n

    T\u00f4i chu\u1ea9n b\u1ecb vay ng\u00e2n h\u00e0ng mua nh\u00e0, nh\u01b0ng \u0111\u1ecdc tuy\u1ebfn b\u00e0i c\u1ee7a Tu\u1ed5i Tr\u1ebb th\u1ea5y ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch mua b\u1ea3o hi\u1ec3m th\u00ec r\u1ea5t lo. V\u1eady t\u00f4i ph\u1ea3i l\u00e0m g\u00ec \u0111\u1ec3 v\u1eeba vay \u0111\u01b0\u1ee3c ti\u1ec1n v\u1eeba kh\u00f4ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch:<\/strong><\/h5>\n

    B\u1ea1n c\u1ea7n tham kh\u1ea3o c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng (vay) c\u1ee7a ng\u00e2n h\u00e0ng m\u00e0 b\u1ea1n mu\u1ed1n vay. C\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u00f3 th\u1ec3 l\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o cho kho\u1ea3n vay; thu nh\u1eadp th\u1ef1c t\u1ebf\/ c\u00e1c ngu\u1ed3n thu nh\u1eadp kh\u00e1c c\u1ee7a b\u1ea1n hay c\u00f3 s\u1ef1 b\u1ea3o l\u0129nh c\u1ee7a m\u1ed9t b\u00ean th\u1ee9 ba…<\/p>\n

    N\u1ebfu c\u00e1c \u0111i\u1ec1u ki\u1ec7n n\u00e0y m\u00e0 b\u1ea1n h\u1ed9i \u0111\u1ee7 th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m v\u00ec \u0111\u00e2y l\u00e0 h\u00e0nh vi b\u1ecb ph\u00e1p lu\u1eadt c\u1ea5m.<\/p>\n

    B\u1ea1n c\u0169ng c\u1ea7n hi\u1ec3u r\u1eb1ng vi\u1ec7c mua b\u1ea3o hi\u1ec3m (b\u1ea5t k\u1ef3 lo\u1ea1i h\u00ecnh n\u00e0o) l\u00e0 m\u1ed9t h\u00e0nh vi \u0111\u1ed9c l\u1eadp v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng. Hi\u1ec7n nay \u0111\u00e3 c\u00f3 nh\u1eefng \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng (hotline) m\u00e0 B\u00e1o Tu\u1ed5i tr\u1ebb \u0111\u00e3 cung c\u1ea5p \u1edf c\u00e1c c\u00e2u h\u1ecfi tr\u01b0\u1edbc. B\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o v\u00e0 s\u1eed d\u1ee5ng khi c\u1ea7n.<\/p>\n

    Ch\u00e2u Li\u00ean:<\/strong><\/h5>\n

    T\u00f4i \u0111i mua nh\u00e0, l\u00fac xem nh\u00e0 xong c\u00f3 qua ng\u00e2n h\u00e0ng h\u1ecfi c\u00f3 vay \u0111\u01b0\u1ee3c kh\u00f4ng? Ng\u00e2n h\u00e0ng xem h\u1ed3 s\u01a1 v\u00e0 kh\u1eb3ng \u0111\u1ecbnh \u0111\u1ed3ng \u00fd cho vay m\u00e0 kh\u00f4ng n\u00f3i g\u00ec th\u00eam. Sau \u0111\u00f3 t\u00f4i \u0111\u1eb7t c\u1ecdc mua nh\u00e0 v\u00e0 chu\u1ea9n b\u1ecb l\u00e0m h\u1ee3p \u0111\u1ed3ng mua b\u00e1n th\u00ec ng\u00e2n h\u00e0ng m\u1edbi n\u00f3i ph\u1ea3i mua b\u1ea3o hi\u1ec3m th\u00ec m\u1edbi gi\u1ea3i ng\u00e2n. T\u00f4i ch\u1ebft k\u1eb9t gi\u1eefa vi\u1ec7c m\u1ea5t c\u1ecdc mua nh\u00e0 v\u00e0 ph\u1ea3i mua g\u00f3i h\u1ee3p \u0111\u1ed3ng 50 tri\u1ec7u\/n\u0103m. Nh\u01b0 v\u1eady, c\u00f3 ph\u1ea3i ng\u00e2n h\u00e0ng \u0111\u00e3 l\u1eeba d\u1ed1i t\u00f4i kh\u00f4ng?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch:<\/strong><\/h5>\n

    Qua th\u00f4ng tin b\u1ea1n cung c\u1ea5p, nh\u1eadn th\u1ea5y c\u00f3 d\u1ea5u hi\u1ec7u l\u1eeba d\u1ed1i nh\u01b0ng \u0111\u1ec3 c\u00f3 th\u1ec3 khi\u1ebfu n\u1ea1i, b\u1ea1n c\u1ea7n ph\u1ea3i cung c\u1ea5p cho c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n nh\u1eefng t\u00e0i li\u1ec7u, ch\u1ee9ng c\u1ee9… ch\u1ee9ng minh r\u1eb1ng ng\u00e2n h\u00e0ng \u0111\u00e3 l\u1eeba d\u1ed1i b\u1ea1n.<\/p>\n

    C\u1ee5 th\u1ec3 b\u1ea1n ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c ban \u0111\u1ea7u ng\u00e2n h\u00e0ng x\u00e1c \u0111\u1ecbnh r\u1eb1ng b\u1ea1n h\u1ed9i \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u1ea5p t\u00edn d\u1ee5ng, nh\u01b0ng sau \u0111\u00f3 l\u1ea1i cho r\u1eb1ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m th\u00ec m\u1edbi gi\u1ea3i ng\u00e2n.<\/p>\n

    V\u1eady, \u0111\u1ec3 tr\u00e1nh r\u01a1i v\u00e0o t\u00ecnh hu\u1ed1ng n\u00eau tr\u00ean, kh\u00e1ch h\u00e0ng c\u1ea7n b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n b\u1eb1ng c\u00e1ch: tr\u01b0\u1edbc khi k\u00fd h\u1ed3 s\u01a1 xin c\u1ea5p t\u00edn d\u1ee5ng th\u00ec c\u1ea7n ki\u1ec3m tra l\u1ea1i th\u1eadt k\u1ef9 trong c\u00e1c v\u0103n b\u1ea3n (h\u1ed3 s\u01a1) c\u1ea5p t\u00edn d\u1ee5ng c\u00f3 quy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i mua b\u1ea3o hi\u1ec3m m\u1edbi gi\u1ea3i ng\u00e2n kh\u00f4ng. N\u1ebfu kh\u00f4ng c\u00f3 th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng, bu\u1ed9c kh\u00e1ch h\u00e0ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m.<\/p>\n

    V\u0169 Quang:<\/strong><\/h5>\n

    Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 n\u00ean, c\u00f3 \u0111\u01b0\u1ee3c quy\u1ec1n c\u1ea5m b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd trong ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng? Ch\u1ebf t\u00e0i x\u1eed l\u00fd vi ph\u1ea1m ra sao?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

    Vi\u1ec7c ng\u00e2n h\u00e0ng l\u00e0m \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn n\u00ean Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng th\u1ec3 c\u1ea5m. Tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng vi ph\u1ea1m th\u00ec s\u1ebd b\u1ecb x\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh ho\u1eb7c ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1.<\/em><\/p>\n

    Chi:<\/strong><\/p>\n

    Hi\u1ec7n t\u1ea1i nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p b\u1ecb gi\u1ea3 ch\u1eef k\u00fd tr\u00ean t\u1edd x\u00e1c nh\u1eadn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u01b0ng b\u00ean b\u1ea3o hi\u1ec3m v\u1eabn t\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 ti\u1ec1n, theo lu\u1eadt tr\u01b0\u1eddng h\u1ee3p n\u00e0y c\u00f3 th\u1ec3 l\u1ea5y l\u1ea1i ti\u1ec1n kh\u00f4ng?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/em><\/strong><\/h5>\n

    N\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u00ec h\u1ee3p \u0111\u1ed3ng \u0111\u1ea5y l\u00e0 v\u00f4 gi\u00e1 tr\u1ecb. Kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n, y\u00eau c\u1ea7u t\u00f2a \u00e1n tuy\u00ean b\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 v\u00f4 hi\u1ec7u theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Khi \u0111\u00f3 b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 l\u1ea1i ti\u1ec1n cho kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

    Ch\u00e2u Pha:<\/strong><\/p>\n

    Xin lu\u1eadt s\u01b0 Tr\u1ea1ch cho bi\u1ebft nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 l\u1ee1 b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m r\u1ed3i gi\u1edd c\u00f3 th\u1ec3 \u0111\u00f2i l\u1ea1i ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00e3 mua \u0111\u01b0\u1ee3c kh\u00f4ng? N\u1ebfu \u0111\u00f2i th\u00ec \u0111\u00f2i \u1edf \u0111\u00e2u? N\u1ebfu ki\u1ec7n th\u00ec ki\u1ec7n \u1edf ch\u1ed7 n\u00e0o?<\/strong><\/p>\n

    Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch:<\/strong><\/h5>\n

    N\u1ebfu b\u1ea1n b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m v\u00e0 mu\u1ed1n \u0111\u00f2i l\u1ea1i ti\u1ec1n th\u00ec b\u1ea1n ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00f3, b\u1ea1n b\u1ecb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u00e9p mua. Y\u00eau c\u1ea7u c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c t\u00f2a \u00e1n n\u01a1i ng\u00e2n h\u00e0ng \u0111\u00f3 c\u00f3 tr\u1ee5 s\u1edf (hay n\u01a1i b\u1ea1n b\u1ecb \u00e9p mua) gi\u1ea3i quy\u1ebft. B\u1ea1n c\u1ea7n li\u00ean h\u1ec7 t\u00f2a \u00e1n n\u01a1i c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn c\u00e1c th\u1ee7 t\u1ee5c kh\u1edfi ki\u1ec7n.<\/p>\n

    Minh Ho\u00e0ng:<\/strong><\/p>\n

    Ch\u1ee9c n\u0103ng b\u00e1n b\u1ea3o hi\u1ec3m l\u00e0 c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, sao l\u1ea1i \u0111\u1ea9y qua ng\u00e2n h\u00e0ng? Ph\u1ea3i c\u1ea5m m\u1edbi d\u1eb9p \u0111\u01b0\u1ee3c v\u1ea5n n\u1ea1n n\u00e0y. Ngo\u00e0i ra \u0111\u1ec3 vay \u0111\u01b0\u1ee3c ti\u1ec1n, ng\u00e2n h\u00e0ng c\u00f2n y\u00eau c\u1ea7u m\u1edf s\u1ed1 t\u00e0i kho\u1ea3n \u0111\u1eb9p thu ph\u00ed cao, ph\u1ea3i m\u1edf s\u1ed5 ti\u1ebft ki\u1ec7m… Ng\u01b0\u1eddi vay \u0111\u00e2u c\u1ea7n s\u1ed1 t\u00e0i kho\u1ea3n \u0111\u1eb9p \u0111\u1ec3 l\u00e0m g\u00ec? M\u00e0 s\u1ed1 \u0111\u1eb9p hay s\u1ed1 x\u1ea5u l\u00e0 theo s\u1edf th\u00edch t\u1eebng ng\u01b0\u1eddi, ng\u00e2n h\u00e0ng coi l\u00e0 \u0111\u1eb9p nh\u01b0ng v\u1edbi ng\u01b0\u1eddi vay l\u1ea1i l\u00e0 s\u1ed1 x\u1ea5u th\u00ec sao? C\u01a1 quan qu\u1ea3n l\u00fd ph\u1ea3i c\u1ea5m nh\u1eefng \u0111i\u1ec1u n\u00e0y m\u1edbi \u0111\u1ee1 kh\u1ed5 cho ng\u01b0\u1eddi d\u00e2n.<\/strong><\/p>\n

    Lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch:<\/strong><\/h5>\n

    Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m c\u00f3 cho ph\u00e9p t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n l\u00e0m \u0111\u1ea1i l\u00fd khi h\u1ed9i \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n quy \u0111\u1ecbnh v\u00e0 \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp s\u1ebd \u0111\u01b0\u1ee3c ph\u00e9p b\u00e1n b\u1ea3o hi\u1ec3m.<\/p>\n

    Ng\u00e2n h\u00e0ng khi h\u1ed9i \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n lu\u1eadt \u0111\u1ecbnh c\u0169ng c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh \u0111\u1ea1i l\u00fd v\u00e0 c\u00f3 ch\u1ee9c n\u0103ng b\u00e1n b\u1ea3o hi\u1ec3m nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c.<\/p>\n

    Tuy nhi\u00ean, \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng \u0111\u00fang ch\u1ee9c n\u0103ng c\u1ee7a \u0111\u1ea1i l\u00fd, ng\u00e2n h\u00e0ng ph\u1ea3i tu\u00e2n th\u1ee7 \u0111\u00fang, \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n m\u00e0 Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m \u0111\u00e3 quy \u0111\u1ecbnh.<\/p>\n

    Trong \u0111\u00f3, \u0111\u1eb7c bi\u1ec7t ph\u1ea3i tu\u00e2n th\u1ee7 nguy\u00ean t\u1eafc giao k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m (\u0110i\u1ec1u 16 Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m). Lu\u1eadt cho ph\u00e9p l\u00e0m nh\u01b0ng c\u00f3 khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd r\u00f5 r\u00e0ng, v\u1ea5n \u0111\u1ec1 \u1edf ch\u1ed7 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111ang l\u1ee3i d\u1ee5ng quy\u1ec1n \u0111\u1ea1i l\u00fd c\u1ee7a m\u00ecnh \u0111\u1ec3 cung c\u1ea5p kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin v\u00e0 \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng.<\/p>\n

    \u0110\u1ed1i v\u1edbi vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n s\u1ed1 \u0111\u1eb9p thu ph\u00ed cao c\u0169ng v\u1eady. M\u1edf t\u00e0i kho\u1ea3n s\u1ed1 \u0111\u1eb9p l\u00e0 ch\u00ednh s\u00e1ch d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng, ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m nh\u01b0ng c\u1ed1t l\u00f5i v\u1eabn l\u00e0 “Theo nhu c\u1ea7u t\u1ef1 nguy\u1ec7n c\u1ee7a ch\u00ednh kh\u00e1ch h\u00e0ng”. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc v\u00e0 quy\u1ebft \u0111\u1ecbnh tham gia hay kh\u00f4ng tham gia.<\/p>\n

    ——————-<\/em><\/p>\n

    Tu\u1ed5i tr\u1ebb (Giao l\u01b0u tr\u1ef1c tuy\u1ebfn) 17-02-2023:<\/em><\/strong><\/h5>\n

    https:\/\/tuoitre.vn\/vay-tien-ngan-hang-bi-ep-mua-bao-hiem-can-phai-lam-gi-20230215155459399.htm<\/em><\/a><\/p>\n

    (1.531\/5.471) #baohiem #nganhang #tuoitre #anvi<\/em>","protected":false},"excerpt":{"rendered":"

    Vay ti\u1ec1n ng\u00e2n h\u00e0ng b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m, c\u1ea7n ph\u1ea3i l\u00e0m g\u00ec? (TT) – H\u00e0ng tr\u0103m c\u00e2u h\u1ecfi b\u1ea1n \u0111\u1ecdc g\u1eedi v\u1ec1 Tu\u1ed5i Tr\u1ebb Sao \u0111\u1ec3 \u0111\u01b0\u1ee3c lu\u1eadt s\u01b0 t\u01b0 v\u1ea5n v\u1ec1 vi\u1ec7c “Vay ti\u1ec1n ng\u00e2n h\u00e0ng b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m” t\u1ea1i bu\u1ed5i giao l\u01b0u tr\u1ef1c tuy\u1ebfn s\u00e1ng 17-2. Ph\u00f3 t\u1ed5ng bi\u00ean t\u1eadp […]<\/p>\n","protected":false},"author":2,"featured_media":35791,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[51,36],"class_list":["post-35790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.972. 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