{"id":36859,"date":"2023-04-27T06:27:02","date_gmt":"2023-04-26T23:27:02","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36859"},"modified":"2024-11-27T15:50:09","modified_gmt":"2024-11-27T08:50:09","slug":"303-de-bi-vi-pham-khi-cho-vay-doi-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/303-de-bi-vi-pham-khi-cho-vay-doi-no\/","title":{"rendered":"303. D\u1ec5 b\u1ecb vi ph\u1ea1m khi cho vay, \u0111\u00f2i n\u1ee3"},"content":{"rendered":"

D\u1ec5 b\u1ecb vi ph\u1ea1m khi cho vay, \u0111\u00f2i n\u1ee3<\/span><\/h4>\n
D\u1ec5 b\u1ecb vi ph\u1ea1m khi cho vay, \u0111\u00f2i n\u1ee3 (KTSG) \u2013 Ph\u00e1p lu\u1eadt cho vay v\u00e0 thu n\u1ee3 c\u00e0ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n cu\u1ed9c s\u1ed1ng th\u00ec c\u00e0ng d\u1ec5 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn v\u00e0 th\u1ef1c hi\u1ec7n nghi\u00eam t\u00fac; c\u00f2n ng\u01b0\u1ee3c l\u1ea1i, th\u00ec ng\u01b0\u1eddi ph\u1ea3i th\u1ef1c hi\u1ec7n kh\u00f4ng mu\u1ed1n tu\u00e2n th\u1ee7, th\u1eadm ch\u00ed t\u00ecm m\u1ecdi c\u00e1ch l\u00e1ch lu\u1eadt, \u0111\u1ed3ng th\u1eddi ng\u01b0\u1eddi ph\u1ea3i qu\u1ea3n l\u00fd v\u00e0 x\u1eed l\u00fd c\u0169ng g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n, th\u00e1ch th\u1ee9c.<\/em><\/strong><\/h5>\n

\"vi<\/p>\n

Cho vay vi ph\u1ea1m<\/strong><\/h5>\n

Cho vay l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng di\u1ec5n ra m\u1ed9t c\u00e1ch v\u00f4 c\u00f9ng ph\u1ed5 bi\u1ebfn, kh\u00f4ng ch\u1ec9 \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb chuy\u00ean nghi\u1ec7p nh\u01b0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hay d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3, m\u00e0 c\u00f2n \u0111\u1ed1i v\u1edbi h\u1ea7u h\u1ebft doanh nghi\u1ec7p, c\u00e1 nh\u00e2n. Nh\u01b0ng ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay kh\u00f4ng h\u1ee3p l\u00fd, d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng vi ph\u1ea1m r\u1ea5t ph\u1ed5 bi\u1ebfn.<\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t cho vay b\u00ean ngo\u00e0i \u0111\u01b0\u1ee3c ph\u00e9p cao h\u01a1n kh\u00f4ng qu\u00e1 1,5 l\u1ea7n l\u00e3i su\u1ea5t cao nh\u1ea5t trong ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n

N\u0103m 1995, ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng qu\u00e1 32,4%\/n\u0103m, trong khi Th\u00f4ng t\u01b0 li\u00ean b\u1ed9 02 TT\/LB ng\u00e0y 3-10-1995 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) v\u00e0 B\u1ed9 Th\u01b0\u01a1ng m\u1ea1i quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 kh\u00f4ng qu\u00e1 50,4%\/n\u0103m (b\u1eb1ng 1,55 l\u1ea7n l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng), ri\u00eang \u0111\u1ed1i v\u1edbi cho vay d\u01b0\u1edbi 15 ng\u00e0y th\u00ec kh\u00f4ng qu\u00e1 0,3%\/ng\u00e0y (t\u1ee9c 109,5%\/n\u0103m, b\u1eb1ng 3,38 l\u1ea7n l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng).<\/p>\n

Trong khi hi\u1ec7n nay l\u00e3i su\u1ea5t cho vay trong ng\u00e0nh ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 tr\u1ea7n (tr\u1eeb m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c cho vay theo ch\u00ednh s\u00e1ch \u01b0u \u0111\u00e3i), th\u1ef1c t\u1ebf l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u1edf m\u1ee9c ph\u1ed5 bi\u1ebfn 30 \u2013 50%\/n\u0103m, th\u00ec l\u00e3i su\u1ea5t cho vay b\u00ean ngo\u00e0i l\u1ea1i b\u1ecb kh\u1ed1ng ch\u1ebf kh\u00f4ng qu\u00e1 20%\/n\u0103m.<\/em><\/p>\n

N\u0103m 1999, ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng qu\u00e1 18%\/n\u0103m, trong khi Th\u00f4ng t\u01b0 13\/1999\/TT-BTM ng\u00e0y 19-5-1999 c\u1ee7a B\u1ed9 Th\u01b0\u01a1ng m\u1ea1i quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 kh\u00f4ng qu\u00e1 36%\/n\u0103m (b\u1eb1ng 2 l\u1ea7n l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng), ri\u00eang \u0111\u1ed1i v\u1edbi cho vay d\u01b0\u1edbi 10 ng\u00e0y th\u00ec kh\u00f4ng qu\u00e1 0,3%\/ng\u00e0y (t\u1ee9c 109,5%\/n\u0103m, b\u1eb1ng 6,08 l\u1ea7n l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng). Th\u00f4ng t\u01b0 n\u00e0y \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2007.<\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1. T\u1eeb n\u0103m 2000-2010, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n bi\u1ebfn \u0111\u1ed9ng trong kho\u1ea3ng t\u1eeb 7-14%\/n\u0103m, t\u1ee9c l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 10,5-21%\/n\u0103m. Quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng, l\u00e3i su\u1ea5t nh\u1eefng n\u0103m 2009-2011 c\u1ee7a c\u1ea3 ng\u00e0nh ng\u00e2n h\u00e0ng v\u01b0\u1ee3t tr\u1ea7n kh\u00e1 nhi\u1ec1u. Th\u1eadm ch\u00ed c\u00f3 th\u1eddi \u0111i\u1ec3m l\u00e3i su\u1ea5t cho vay qua \u0111\u00eam \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m thanh kho\u1ea3n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00ean \u0111\u1ebfn tr\u00ean 50%\/n\u0103m. V\u00e0o th\u00e1ng 9-2011, khi NHNN si\u1ebft tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u1edf m\u1ee9c 14% th\u00ec \u0111\u00e3 c\u00f3 t\u00ecnh tr\u1ea1ng ni\u00eam y\u1ebft l\u00e3i su\u1ea5t huy \u0111\u1ed9ng t\u1ea5t c\u1ea3 c\u00e1c k\u1ef3 h\u1ea1n, t\u1eeb m\u1ed9t v\u00e0i tu\u1ea7n cho \u0111\u1ebfn m\u1ed9t v\u00e0i n\u0103m \u0111\u1ec1u \u1edf m\u1ed9t m\u1ee9c gi\u1ed1ng nhau 14%\/n\u0103m, c\u00f2n th\u1ef1c t\u1ebf th\u00ec \u0111\u01b0\u1ee3c c\u1ed9ng th\u00eam kh\u00e1 nhi\u1ec1u.<\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 20%\/n\u0103m. K\u1ec3 t\u1eeb \u0111\u00e2y v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t tr\u00ean th\u1ef1c t\u1ebf ng\u00e0y c\u00e0ng b\u1ea5t h\u1ee3p l\u00fd m\u00e0 ch\u00ednh ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 kh\u00f4ng th\u1ec3 kh\u00f4ng v\u01b0\u1ee3t lu\u1eadt \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi \u0111\u00f2i h\u1ecfi th\u1ef1c t\u1ebf. Ngh\u1ecb quy\u1ebft 01\/2019\/NQ-H\u0110TP c\u1ee7a H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n T\u00f2a \u00e1n Nh\u00e2n d\u00e2n t\u1ed1i cao \u0111\u00e3 ch\u00ednh th\u1ee9c h\u01b0\u1edbng d\u1eabn kh\u00f4ng \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t 20% \u0111\u1ed1i v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n

T\u00f3m l\u1ea1i, l\u00e3i su\u1ea5t cho vay b\u00ean ngo\u00e0i ng\u00e0nh ng\u00e2n h\u00e0ng n\u00f3i chung, cho vay c\u1ea7m \u0111\u1ed3 n\u00f3i ri\u00eang, ch\u1ec9 \u0111\u01b0\u1ee3c b\u1eb1ng v\u1edbi l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng, c\u1ee5 th\u1ec3 t\u1eeb n\u0103m 2008 tr\u1edf \u0111i kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p v\u01b0\u1ee3t 10,5-21%\/n\u0103m v\u00e0 t\u1eeb n\u0103m 2017 tr\u1edf \u0111i l\u00e0 kh\u00f4ng qu\u00e1 20%\/n\u0103m.<\/p>\n

Ngay c\u1ea3 \u0111\u1ed1i v\u1edbi t\u1ed9i cho vay l\u00e3i n\u1eb7ng c\u0169ng r\u1ea5t kh\u00f3 bi\u1ebft khi n\u00e0o th\u00ec ph\u1ea1m t\u1ed9i, v\u00ec \u0111\u00e3 thay \u0111\u1ed5i nhi\u1ec1u l\u1ea7n. Vi\u1ec7c n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i b\u1ecb bi\u1ebfn \u0111\u1ed5i m\u1ed9t c\u00e1ch ch\u00f3ng m\u1eb7t. C\u1ee5 th\u1ec3, trong g\u1ea7n 20 n\u0103m qua nh\u01b0 sau: giai \u0111o\u1ea1n 2005-2009, m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i l\u00e0 t\u1eeb 180-300%\/n\u0103m; giai \u0111o\u1ea1n 2010-2011, m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i l\u00e0 t\u1eeb 120%; giai \u0111o\u1ea1n 2012-2016, m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i l\u00e0 t\u1eeb 135%\/n\u0103m; giai \u0111o\u1ea1n 2017, m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i l\u00e0 t\u1eeb 200% v\u00e0 giai \u0111o\u1ea1n 2018 \u0111\u1ebfn nay, m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i l\u00e0 t\u1eeb 100%\/n\u0103m tr\u1edf l\u00ean.<\/p>\n

Trong c\u00e1c lo\u1ea1i gi\u00e1 c\u1ea3 th\u1ecb tr\u01b0\u1eddng, th\u00ec l\u00e3i su\u1ea5t cho vay thu\u1ed9c lo\u1ea1i bi\u1ebfn \u0111\u1ed9ng b\u00e1m s\u00e1t th\u1ecb tr\u01b0\u1eddng nh\u1ea5t. Trong khi hi\u1ec7n nay l\u00e3i su\u1ea5t trong ng\u00e0nh ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 tr\u1ea7n (tr\u1eeb m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c cho vay theo ch\u00ednh s\u00e1ch \u01b0u \u0111\u00e3i), th\u1ef1c t\u1ebf l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u1edf m\u1ee9c ph\u1ed5 bi\u1ebfn 30-50%\/n\u0103m, th\u00ec l\u00e3i su\u1ea5t cho vay b\u00ean ngo\u00e0i l\u1ea1i b\u1ecb kh\u1ed1ng ch\u1ebf kh\u00f4ng qu\u00e1 20%\/n\u0103m. Do \u0111\u00f3, vi\u1ec7c cho vay c\u1ee7a b\u00ean ngo\u00e0i ng\u00e0nh ng\u00e2n h\u00e0ng t\u1eeb n\u0103m 2007 tr\u1edf \u0111i, n\u1ebfu t\u00ednh c\u1ea3 l\u00e3i v\u00e0 c\u00e1c lo\u1ea1i ph\u00ed, th\u00ec r\u1ea5t ph\u1ed5 bi\u1ebfn t\u00ecnh tr\u1ea1ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t, v\u00ec quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt xa r\u1eddi, th\u1eadm ch\u00ed ph\u1ee7 nh\u1eadn ho\u00e0n to\u00e0n th\u1ef1c t\u1ebf. Cho vay d\u1ec5 ph\u1ea1m ph\u00e1p nh\u01b0 v\u1eady, khi thu n\u1ee3 c\u0169ng l\u1ea1i g\u1eb7p nhi\u1ec1u v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd.<\/p>\n

Thu n\u1ee3 vi ph\u1ea1m<\/strong><\/h5>\n

C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng chuy\u00ean ngh\u1ec1 cho vay v\u00e0 \u0111\u00f2i n\u1ee3, c\u00f2n \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt d\u00e0nh cho \u0111\u1eb7c quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, c\u0169ng r\u1ea5t gian nan v\u01b0\u1edbng m\u1eafc khi x\u1eed l\u00fd n\u1ee3 x\u1ea5u. V\u00ec v\u1eady c\u00e1c ch\u1ee7 n\u1ee3 n\u00f3i chung, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i ri\u00eang, c\u00f3 nhu c\u1ea7u r\u1ea5t l\u1edbn trong vi\u1ec7c s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 c\u1ee7a c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 104\/2007\/N\u0110-CP. M\u1ed9t d\u1ea1ng x\u1eed l\u00fd n\u1ee3 kh\u00e1c l\u00e0 b\u00e1n n\u1ee3 cho c\u00e1c c\u00f4ng ty kinh doanh d\u1ecbch v\u1ee5 mua b\u00e1n n\u1ee3 ho\u1ea1t \u0111\u1ed9ng theo Ngh\u1ecb \u0111\u1ecbnh 69\/2016\/N\u0110-CP khi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n, trong \u0111\u00f3 c\u00f3 s\u1ed1 v\u1ed1n t\u1ed1i thi\u1ec3u 100 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

C\u1ea7n s\u1edbm c\u00f3 nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt c\u1ea5m m\u1ed9t s\u1ed1 h\u00e0nh vi khi \u0111\u00f2i n\u1ee3 \u0111\u1ec3 ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng l\u1ea1m d\u1ee5ng \u201ckh\u1ee7ng b\u1ed1 con n\u1ee3\u201d v\u00e0 ng\u01b0\u1eddi li\u00ean quan nh\u01b0 v\u1eeba qua. Hi\u1ec7n nay, m\u1edbi ch\u1ec9 c\u00f3 m\u1ed9t v\u00e0i y\u00eau c\u1ea7u \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi ri\u00eang vi\u1ec7c \u0111\u00f2i n\u1ee3 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh theo Th\u00f4ng t\u01b0 43\/2016\/TT-NHNN.<\/em><\/p>\n

Tuy nhi\u00ean, sau khi Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2020 c\u1ea5m kinh doanh d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 th\u00ec c\u1ea3 hai ngh\u1ecb \u0111\u1ecbnh n\u00eau tr\u00ean \u0111\u1ec1u h\u1ebft hi\u1ec7u l\u1ef1c. Ho\u1ea1t \u0111\u1ed9ng thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1c AMC, l\u00e0 c\u00f4ng ty con tr\u1ef1c thu\u1ed9c ng\u00e2n h\u00e0ng, c\u0169ng b\u1ecb ch\u1eb7n \u0111\u1ee9ng.<\/p>\n

Th\u1ebf nh\u01b0ng ho\u1ea1t \u0111\u1ed9ng \u0111\u00f2i n\u1ee3 thu\u00ea v\u1eabn di\u1ec5n ra r\u1ea5t s\u00f4i \u0111\u1ed9ng tr\u00ean th\u1ef1c t\u1ebf, v\u00ec c\u00e1c l\u00fd do sau \u0111\u00e2y:<\/p>\n

Th\u1ee9 nh\u1ea5t, vi\u1ec7c \u0111\u00f2i n\u1ee3 r\u1ea5t kh\u00f3 kh\u0103n, do \u00fd th\u1ee9c tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay, do s\u1ef1 b\u1ea5t c\u1eadp c\u1ee7a ph\u00e1p lu\u1eadt, do t\u00f2a \u00e1n v\u00e0 c\u01a1 quan thi h\u00e0nh \u00e1n ch\u01b0a h\u1ed7 tr\u1ee3 k\u1ecbp th\u1eddi, hi\u1ec7u qu\u1ea3 cho vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p v\u00e0 thu h\u1ed3i n\u1ee3;<\/p>\n

Th\u1ee9 hai, d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 \u0111\u00e3 c\u00f3 t\u1eeb r\u1ea5t l\u00e2u \u0111\u1eddi, l\u00e0 vi\u1ec7c r\u1ea5t ch\u00ednh \u0111\u00e1ng, c\u1ea7n thi\u1ebft v\u00e0 t\u1ef1 nhi\u00ean, t\u1ea5t y\u1ebfu \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ee7 n\u1ee3 n\u00f3i chung c\u0169ng nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i ri\u00eang;<\/p>\n

Th\u1ee9 ba, g\u1ea7n nh\u01b0 t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 \u0111\u1ec1u d\u1ec5 d\u00e0ng chuy\u1ec3n \u0111\u1ed5i th\u00e0nh c\u00f4ng ty mua b\u00e1n n\u1ee3 m\u00e0 kh\u00f4ng c\u1ea7n b\u1ea5t k\u1ef3 \u0111i\u1ec1u ki\u1ec7n n\u00e0o \u0111\u1ec3 ti\u1ebfp t\u1ee5c \u0111\u00f2i n\u1ee3 h\u1ee3p ph\u00e1p, v\u1edbi c\u00e1i l\u00fd l\u00e0 \u0111\u00f2i ch\u00ednh kho\u1ea3n n\u1ee3 c\u1ee7a ch\u00ednh h\u1ecd;<\/p>\n

Th\u1ee9 t\u01b0, c\u00e1c t\u1ed5 ch\u1ee9c h\u00e0nh ngh\u1ec1 lu\u1eadt s\u01b0 c\u0169ng th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 r\u1ea5t gi\u1ed1ng v\u1edbi vi\u1ec7c \u0111\u00f2i n\u1ee3 thu\u00ea khi ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p d\u1ecbch v\u1ee5 ph\u00e1p l\u00fd t\u01b0 v\u1ea5n v\u00e0 \u0111\u1ea1i di\u1ec7n ph\u00e1p l\u00fd trong vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p, v\u01b0\u1edbng m\u1eafc v\u1ec1 vi\u1ec7c \u0111\u00f2i n\u1ee3 theo Lu\u1eadt Lu\u1eadt s\u01b0.<\/p>\n

Th\u1ebf l\u00e0 t\u1eeb ch\u1ed7 ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng v\u1ec1 \u0111i\u1ec1u ki\u1ec7n \u0111\u00f2i n\u1ee3 thu\u00ea, th\u00ec l\u1ea1i bu\u00f4ng l\u1ecfng, kh\u00f4ng qu\u1ea3n l\u00fd, n\u00ean n\u1ea3y sinh nhi\u1ec1u v\u1ea5n \u0111\u1ec1 r\u1eafc r\u1ed1i, ph\u1ee9c t\u1ea1p.<\/p>\n

Gi\u1ea3m thi\u1ec3u vi ph\u1ea1m<\/strong><\/h5>\n

Ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch cho vay, trong \u0111\u00f3 c\u00f3 l\u00e3i su\u1ea5t, l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 r\u1ea5t quan tr\u1ecdng trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, c\u1ea7n ph\u1ea3i b\u1ea3o \u0111\u1ea3m t\u00ednh h\u1ee3p l\u00fd, g\u1ea7n s\u00e1t v\u1edbi th\u1ef1c t\u1ebf, kh\u00f4ng n\u00ean c\u1ee9 b\u1eaft ng\u01b0\u1eddi ta d\u1ec5 b\u1ecb vi ph\u1ea1m, th\u1eadm ch\u00ed nhi\u1ec1u khi bu\u1ed9c ph\u1ea3i vi ph\u1ea1m. V\u00ec v\u1eady, c\u1ea7n xem x\u00e9t s\u1eeda \u0111\u1ed5i nh\u1eefng v\u1ea5n \u0111\u1ec1 sau:<\/p>\n

Th\u1ee9 nh\u1ea5t, c\u1ea7n s\u1edbm c\u00f3 nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt c\u1ea5m m\u1ed9t s\u1ed1 h\u00e0nh vi khi \u0111\u00f2i n\u1ee3 \u0111\u1ec3 ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng l\u1ea1m d\u1ee5ng \u201ckh\u1ee7ng b\u1ed1 con n\u1ee3\u201d v\u00e0 ng\u01b0\u1eddi li\u00ean quan nh\u01b0 v\u1eeba qua. Hi\u1ec7n nay, m\u1edbi ch\u1ec9 c\u00f3 m\u1ed9t v\u00e0i y\u00eau c\u1ea7u \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi ri\u00eang vi\u1ec7c \u0111\u00f2i n\u1ee3 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh theo Th\u00f4ng t\u01b0 43\/2016\/TT-NHNN.<\/p>\n

Th\u1ee9 hai, c\u1ea7n xem x\u00e9t l\u1ea1i vi\u1ec7c c\u1ea5m d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 b\u1eb1ng vi\u1ec7c \u0111\u1eb7t ra nh\u1eefng \u0111i\u1ec1u ki\u1ec7n ch\u1eb7t ch\u1ebd, \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng n\u00e0y di\u1ec5n ra m\u1ed9t c\u00e1ch chuy\u00ean nghi\u1ec7p, hi\u1ec7u qu\u1ea3, nh\u1eb1m b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a ch\u1ee7 n\u1ee3, ch\u1ee7 s\u1edf h\u1eefu, \u0111\u1ed3ng th\u1eddi g\u00f3p ph\u1ea7n v\u00e0o vi\u1ec7c ph\u00e1t tri\u1ec3n kinh t\u1ebf, x\u00e3 h\u1ed9i, \u0111\u1eddi s\u1ed1ng.<\/p>\n

Th\u1ee9 ba, c\u1ea7n \u1ea5n \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay n\u1eb7ng l\u00e3i, thay v\u00ec quy \u0111\u1ecbnh b\u1eafc c\u1ea7u \u0111\u1ebfn B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

Th\u1ee9 t\u01b0, c\u1ea7n s\u1eeda \u0111\u1ed5i v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho vay trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng ho\u1eb7c l\u00e0 b\u00e3i b\u1ecf, ho\u1eb7c l\u00e0 n\u00e2ng l\u00ean cho ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf m\u1ea5y ch\u1ee5c n\u0103m nay, ho\u1eb7c l\u00e0 ph\u1ea3i d\u1ef1a theo l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng, t\u1ee9c b\u00e1m s\u00e1t v\u00e0o l\u00e3i su\u1ea5t cho vay cao nh\u1ea5t c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n

Lu\u1eadt s\u01b0<\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/strong><\/p>\n

——————-<\/em><\/p>\n

T\u1ea1p ch\u00ed Kinh t\u1ebf S\u00e0i G\u00f2n (Ng\u00e2n h\u00e0ng) gi\u1ea5y 27-4-2023 (l\u00ean m\u1ea1ng 02-5):<\/em><\/strong><\/p>\n

https:\/\/thesaigontimes.vn\/de-bi-vi-pham-khi-cho-vay-doi-no\/<\/a><\/em><\/p>\n

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

D\u1ec5 b\u1ecb vi ph\u1ea1m khi cho vay, \u0111\u00f2i n\u1ee3 D\u1ec5 b\u1ecb vi ph\u1ea1m khi cho vay, \u0111\u00f2i n\u1ee3 (KTSG) \u2013 Ph\u00e1p lu\u1eadt cho vay v\u00e0 thu n\u1ee3 c\u00e0ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n cu\u1ed9c s\u1ed1ng th\u00ec c\u00e0ng d\u1ec5 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn v\u00e0 th\u1ef1c hi\u1ec7n nghi\u00eam t\u00fac; c\u00f2n ng\u01b0\u1ee3c l\u1ea1i, th\u00ec ng\u01b0\u1eddi ph\u1ea3i th\u1ef1c hi\u1ec7n kh\u00f4ng […]<\/p>\n","protected":false},"author":1,"featured_media":36936,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,44,36],"class_list":["post-36859","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-dau-tu","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n303. 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