{"id":37326,"date":"2023-07-03T05:35:20","date_gmt":"2023-07-02T22:35:20","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37326"},"modified":"2024-11-24T11:00:55","modified_gmt":"2024-11-24T04:00:55","slug":"3-628-doanh-nghiep-vay-von-bi-ep-mua-bao-hiem-dung-de-khach-hang-mat-thien-cam-tay-chay-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-529-doanh-nghiep-vay-von-bi-ep-mua-bao-hiem-dung-de-khach-hang-mat-thien-cam-tay-chay-ngan-hang\/","title":{"rendered":"3.529. Doanh nghi\u1ec7p vay v\u1ed1n b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m: \u0110\u1eebng \u0111\u1ec3 kh\u00e1ch h\u00e0ng m\u1ea5t thi\u1ec7n c\u1ea3m, t\u1ea9y chay ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Doanh nghi\u1ec7p vay v\u1ed1n b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m: \u0110\u1eebng \u0111\u1ec3 kh\u00e1ch h\u00e0ng m\u1ea5t thi\u1ec7n c\u1ea3m, t\u1ea9y chay ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(TT) – <\/strong>Theo c\u00e1c chuy\u00ean gia, vi\u1ec7c doanh nghi\u1ec7p vay v\u1ed1n b\u1ecb \u00e9p v\u00e0o th\u1ebf ph\u1ea3i mua k\u00e8m b\u1ea3o hi\u1ec3m r\u00f5 r\u00e0ng l\u00e0 l\u1ed7i c\u1ee7a nh\u1eefng ng\u00e2n h\u00e0ng \u0111ang h\u00e0nh x\u1eed theo ki\u1ec3u v\u00ec l\u1ee3i nhu\u1eadn m\u00e0 s\u1eb5n s\u00e0ng tr\u00e1i v\u1edbi l\u01b0\u01a1ng t\u00e2m, \u0111\u1ea1o l\u00fd. Ng\u00e2n h\u00e0ng ph\u1ea3i t\u1ec9nh t\u00e1o l\u1ea1i, c\u1ea7n x\u00e1c \u0111\u1ecbnh l\u1ea1i c\u00e1ch l\u00e0m \u0103n t\u1eed t\u1ebf, b\u1edfi n\u1ebfu th\u1ef1c tr\u1ea1ng n\u00e0y k\u00e9o d\u00e0i c\u00e0ng l\u00e2u th\u00ec khi\u1ebfn ng\u01b0\u1eddi d\u00e2n c\u00f3 c\u00e1i nh\u00ecn m\u1ea5t thi\u1ec7n c\u1ea3m v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, v\u1ec1 c\u00e1ch h\u00e0nh x\u1eed v\u00e0 t\u1ea9y chay ng\u00e2n<\/strong><\/h5>\n
Doanh nghi\u1ec7p vay v\u1ed1n b\u1ecb \u00e9p ph\u1ea3i mua k\u00e8m b\u1ea3o hi\u1ec3m<\/strong><\/h5>\n

T\u1ea1i h\u1ed9i ngh\u1ecb “\u0110\u1ed1i tho\u1ea1i gi\u1eefa doanh nghi\u1ec7p v\u00e0 ch\u00ednh quy\u1ec1n th\u00e0nh ph\u1ed1” nh\u1eb1m th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a UBND TP.HCM v\u1ec1 vi\u1ec7c th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n cho doanh nghi\u1ec7p di\u1ec5n ra m\u1edbi \u0111\u00e2y, c\u00e2u chuy\u1ec7n doanh nghi\u1ec7p vay v\u1ed1n b\u1ecb “\u00e9p” mua b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn, nh\u01b0 m\u1ed9t n\u1ed7i kh\u1ed5, nh\u1ea5t l\u00e0 c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf.<\/p>\n

Theo \u0111\u00f3, \u0111\u1ea1i di\u1ec7n m\u1ed9t doanh nghi\u1ec7p ph\u1ea3n \u00e1nh, doanh nghi\u1ec7p r\u1ea5t c\u1ea7n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng nh\u01b0ng n\u1ebfu cu\u1ed1i n\u0103m ngo\u00e1i l\u00e0 kh\u00f3 kh\u0103n v\u1ec1 h\u1ea1n m\u1ee9c (room) t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng \u0111ang gi\u1ea3i ng\u00e2n th\u00ec h\u1ebft room n\u00ean ng\u1eebng l\u1ea1i. \u0110\u1ebfn khi m\u1edf room, l\u00e3i su\u1ea5t \u0111\u1ed9t ng\u1ed9t t\u0103ng cao l\u00ean h\u01a1n 11-12%\/n\u0103m khi\u1ebfn doanh nghi\u1ec7p kh\u00f4ng d\u00e1m vay.<\/p>\n

“\u0110\u1ebfn khi doanh nghi\u1ec7p c\u00f3 nhu c\u1ea7u vay v\u1ed1n, l\u1ea1i ph\u1ea3i mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u1edbi \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n. Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0a ra m\u1ed9t l\u1ef1a ch\u1ecdn cho doanh nghi\u1ec7p, mua b\u1ea3o hi\u1ec3m m\u1edbi \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i, kh\u00f4ng mua th\u00ec ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t cao ho\u1eb7c kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n. \u0110\u00e2y l\u00e0 m\u1ed9t c\u00e1ch “l\u00e1ch” c\u1ee7a ng\u00e2n h\u00e0ng n\u00ean d\u00f9 \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh c\u1ea5m, doanh nghi\u1ec7p v\u1eabn r\u1ea5t kh\u00f3” \u2013 doanh nghi\u1ec7p n\u00e0y than phi\u1ec1n.<\/p>\n

\"vay

\u0110\u1ea1i di\u1ec7n doanh nghi\u1ec7p ph\u1ea3n \u00e1nh n\u1ed7i kh\u1ed5 vay v\u1ed1n b\u1ecb “\u00e9p” mua b\u1ea3o hi\u1ec3m…<\/p><\/div>\n

d\u1ee5ng, h\u1ecd \u0111\u1ec1u kh\u1eb3ng \u0111\u1ecbnh kh\u00f4ng h\u1ec1 \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khi vay v\u1ed1n m\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng ti\u00eau ch\u00ed \u01b0u ti\u00ean. N\u1ebfu kh\u00e1ch kh\u00f4ng \u0111\u1ed3ng \u00fd, ng\u00e2n h\u00e0ng s\u1ebd \u01b0u ti\u00ean nh\u1eefng kh\u00e1ch h\u00e0ng kh\u00e1c v\u00ec nhu c\u1ea7u vay v\u1ed1n cao, room t\u00edn d\u1ee5ng h\u1ea1n ch\u1ebf.<\/p>\n

\u00d4ng Nguy\u1ec5n \u0110\u1ee9c L\u1ec7nh, Ph\u00f3 gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh TPHCM. \u1ea2nh: VGP<\/h6>\n

Tr\u1ea3 l\u1eddi \u00fd ki\u1ebfn c\u1ee7a doanh nghi\u1ec7p, \u00f4ng Nguy\u1ec5n \u0110\u1ee9c L\u1ec7nh, Ph\u00f3 gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh TP.HCM cho r\u1eb1ng, doanh nghi\u1ec7p c\u1ea7n ph\u00e2n bi\u1ec7t c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m khi vay v\u1ed1n. N\u1ebfu l\u00e0 b\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng cho kho\u1ea3n vay \u0111\u1ec3 ph\u00f2ng ng\u1eeba r\u1ee7i ro cho kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng, y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng mua khi vay v\u1ed1n l\u00e0 \u0111\u00fang. Doanh nghi\u1ec7p vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh n\u00f4ng nghi\u1ec7p c\u0169ng c\u1ea7n mua b\u1ea3o hi\u1ec3m n\u00e0y nh\u1eb1m m\u1ee5c ti\u00eau h\u1ea1n ch\u1ebf r\u1ee7i ro cho kho\u1ea3n vay.<\/p>\n

“Ri\u00eang \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng li\u00ean k\u1ebft v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m, n\u1ebfu “\u00e9p” kh\u00e1ch h\u00e0ng vay v\u1ed1n l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c, quy \u0111\u1ecbnh \u0111\u00e3 c\u00f3 v\u00e0 th\u1eadm ch\u00ed c\u00f3 \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng ph\u1ea3n \u00e1nh ki\u1ebfn ngh\u1ecb c\u1ee7a ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p li\u00ean quan ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. N\u1ebfu b\u1ecb “\u00e9p” mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khi vay v\u1ed1n, kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p h\u00e3y ph\u1ea3n \u00e1nh t\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc”, \u00f4ng L\u1ec7nh kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

<\/h6>\n

\u0110\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh TP.HCM c\u0169ng cho bi\u1ebft, hi\u1ec7n nay, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 c\u00f3 ch\u1ec9 \u0111\u1ea1o \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m. Theo \u0111\u00f3, ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m trong qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n, gi\u1edbi thi\u1ec7u b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o ph\u1ea3i cung c\u1ea5p ch\u00ednh x\u00e1c, \u0111\u1ea7y \u0111\u1ee7 c\u00e1c th\u00f4ng tin v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m\u2026 Trong tr\u01b0\u1eddng h\u1ee3p nh\u01b0 c\u00f4ng ty ph\u1ea3n \u00e1nh cho th\u1ea5y vi\u1ec7c vay v\u1ed1n c\u00f3 b\u1ea3o hi\u1ec3m hay vay v\u1ed1n kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m thu\u1ed9c v\u1ec1 l\u1ef1a ch\u1ecdn c\u1ee7a doanh nghi\u1ec7p trong quan h\u1ec7 t\u00edn d\u1ee5ng v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

\u0110\u1eebng \u0111\u1ec3 kh\u00e1ch h\u00e0ng m\u1ea5t thi\u1ec7n c\u1ea3m, t\u1ea9y chay ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

Tr\u00ean th\u1ef1c t\u1ebf, hi\u1ec7n nay C\u01a1 quan Thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u1ed1i h\u1ee3p v\u1edbi C\u1ee5c Qu\u1ea3n l\u00fd gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh) \u0111\u00e3 ti\u1ebfn h\u00e0nh thanh tra, x\u1eed l\u00fd c\u00e1c vi ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 c\u00f3 nhi\u1ec1u v\u0103n b\u1ea3n y\u00eau c\u1ea7u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng nghi\u00eam tu\u0301c ch\u00e2\u0301p ha\u0300nh ca\u0301c quy \u0111i\u0323nh pha\u0301p lu\u00e2\u0323t va\u0300 chi\u0309 \u0111a\u0323o v\u00ea\u0300 hoa\u0323t \u0111\u00f4\u0323ng kinh doanh, \u0111a\u0323i ly\u0301 ba\u0309o hi\u00ea\u0309m; r\u00e0 so\u00e1t, ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng, kh\u00f4ng \u0111\u1ec3 x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p c\u00e1n b\u1ed9, \u0111\u01a1n v\u1ecb kinh doanh “\u00e9p” kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c.<\/p>\n

C\u1ee5 th\u1ec3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t nam \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n s\u1ed1 6535\/2022 c\u1ee7a c\u01a1 quan Thanh tra gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng g\u1eedi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD), chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u1ec1 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD.<\/p>\n

Trong \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc y\u00eau c\u1ea7u c\u00e1c TCTD nghi\u00eam t\u00fac ch\u1ea5p h\u00e0nh c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 ch\u1ec9 \u0111\u1ea1o c\u1ee7a NHNN v\u1ec1 ho\u1ea1t \u0111\u1ed9ng kinh doanh, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m. Theo \u0111\u00f3 ph\u1ea3i cung c\u1ea5p c\u00e1c th\u00f4ng tin v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u00fd k\u00ea khai th\u00f4ng tin cho b\u00ean mua b\u1ea3o hi\u1ec3m khi ch\u01b0a c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean mua b\u1ea3o hi\u1ec3m; nghi\u00eam c\u1ea5m h\u00e0nh vi \u201c\u00e9p\u201d kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m…<\/p>\n

Th\u1ef1c t\u1ebf, \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u1ea7n \u0111\u1ea7u ti\u00ean Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 v\u0103n b\u1ea3n y\u00eau c\u1ea7u ch\u1ea5n ch\u1ec9nh t\u00ecnh tr\u1ea1ng \u201c\u00e9p\u201d mua b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, nh\u01b0ng t\u00ecnh tr\u1ea1ng n\u00e0y v\u1eabn tr\u00e0n lan.<\/p>\n

Nhi\u1ec1u kh\u00e1ch h\u00e0ng bu\u1ed9c v\u1eabn ph\u1ea3i mua th\u00eam b\u1ea3o hi\u1ec3m m\u1edbi \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng gi\u1ea3i ng\u00e2n kho\u1ea3n vay t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng. (\u1ea2nh minh h\u1ecda)<\/h6>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, 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><\/strong>\u00a0chia s\u1ebb, theo quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch d\u00e2n s\u1ef1, h\u1ee3p \u0111\u1ed3ng s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u do l\u1eeba d\u1ed1i, \u0111e do\u1ea1, c\u01b0\u1ee1ng \u00e9p, nh\u1ea7m l\u1eabn. Soi chi\u1ebfu quy \u0111\u1ecbnh n\u00e0y v\u00e0o c\u00e1c h\u1ee3p \u0111\u1ed3ng vay ng\u00e2n h\u00e0ng c\u00f3 y\u00eau c\u1ea7u \u201cbia k\u00e8m l\u1ea1c\u201d th\u00ec th\u1ea5y ph\u1ea3i c\u00f3 s\u1ef1 \u00e9p bu\u1ed9c th\u00ec kh\u00e1ch h\u00e0ng m\u1edbi ph\u1ea3i mua b\u1ea3o hi\u1ec3m (lo\u1ea1i tr\u1eeb nh\u1eefng ng\u01b0\u1eddi th\u1ef1c s\u1ef1 mu\u1ed1n mua b\u1ea3o hi\u1ec3m). Th\u1ef1c tr\u1ea1ng n\u00e0y di\u1ec5n ra \u1edf nhi\u1ec1u ng\u00e2n h\u00e0ng, song l\u1ea1i r\u1ea5t kh\u00f3 \u0111\u1ec3 ch\u1ee9ng minh.<\/em><\/p>\n

\u201cB\u00fat sa g\u00e0 ch\u1ebft\u201d, ti\u1ec1n \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n r\u1ed3i, m\u1ecdi vi\u1ec7c li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng giao d\u1ecbch \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft, th\u1eadm ch\u00ed nh\u1edd nh\u1eefng kho\u1ea3n gi\u1ea3i ng\u00e2n k\u1ecbp th\u1eddi c\u1ee7a ng\u00e2n h\u00e0ng m\u00e0 nh\u1eefng kho\u1ea3n vay \u0111\u1ea7u t\u01b0 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 sinh l\u1eddi r\u1ed3i. \u0110\u1ee3i cho xong vi\u1ec7c, kh\u00e1ch h\u00e0ng m\u1edbi quay ra ki\u1ec7n ng\u01b0\u1ee3c ng\u00e2n h\u00e0ng l\u00e0 \u0111i\u1ec1u r\u1ea5t kh\u00f3 \u0111\u1ec3 ch\u1ee9ng minh thi\u1ec7t h\u1ea1i. Th\u1eadm ch\u00ed k\u00e9o nhau ra to\u00e0 d\u00e2n s\u1ef1 c\u0169ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c. Ch\u1ec9 c\u00f3 c\u00f4ng an v\u00e0o cu\u1ed9c, th\u00f4ng qua nhi\u1ec1u h\u1ed3 s\u01a1, b\u1eb1ng ch\u1ee9ng m\u1edbi bi\u1ebft \u0111\u01b0\u1ee3c ai \u0111\u00fang, ai sai, sai \u1edf m\u1ee9c \u0111\u1ed9 n\u00e0o\u2026<\/em><\/p>\n

<\/h6>\n

\u201c\u0110\u1ec3 x\u1ea3y ra th\u1ef1c tr\u1ea1ng n\u00e0y r\u00f5 r\u00e0ng l\u00e0 l\u1ed7i c\u1ee7a nh\u1eefng ng\u00e2n h\u00e0ng \u0111ang h\u00e0nh x\u1eed theo ki\u1ec3u v\u00ec l\u1ee3i nhu\u1eadn m\u00e0 s\u1eb5n s\u00e0ng tr\u00e1i v\u1edbi l\u01b0\u01a1ng t\u00e2m, \u0111\u1ea1o l\u00fd. \u0110\u1ea7u ti\u00ean l\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i t\u1ec9nh t\u00e1o l\u1ea1i \u0111i, c\u1ea7n x\u00e1c \u0111\u1ecbnh l\u1ea1i c\u00e1ch l\u00e0m \u0103n t\u1eed t\u1ebf, b\u1edfi n\u1ebfu th\u1ef1c tr\u1ea1ng n\u00e0y k\u00e9o d\u00e0i c\u00e0ng l\u00e2u th\u00ec khi\u1ebfn ng\u01b0\u1eddi d\u00e2n c\u00f3 c\u00e1i nh\u00ecn m\u1ea5t thi\u1ec7n c\u1ea3m v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, v\u1ec1 c\u00e1ch h\u00e0nh x\u1eed c\u1ee7a ng\u00e2n h\u00e0ng. Trong khi \u0111\u00e2y l\u1ea1i l\u00e0 ng\u00e0nh kinh doanh d\u1ef1a tr\u00ean uy t\u00edn v\u00e0 ni\u1ec1m tin. M\u1ed9t khi ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ecb lung lay th\u00ec ch\u00ednh c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ch\u1ecbu thi\u1ec7t h\u1ea1i, s\u1ebd ph\u1ea3i tr\u1ea3 gi\u00e1.\u201d Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0nh\u1eadn \u0111\u1ecbnh.<\/em><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, ng\u00e0nh b\u1ea3o hi\u1ec3m c\u0169ng ph\u1ea3i xem l\u1ea1i c\u00e1ch b\u00e1n h\u00e0ng nh\u01b0 v\u1eady c\u00f3 \u0111\u00fang kh\u00f4ng, c\u00f3 h\u1ee3p l\u00fd kh\u00f4ng, quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 b\u1ea3o \u0111\u1ea3m kh\u00f4ng\u2026 Ng\u00e2n h\u00e0ng \u201cl\u1ee3i d\u1ee5ng\u201d kh\u00f3 kh\u0103n c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 \u0111ang c\u1ea7n v\u1ed1n \u0111\u1ec3 \u00e9p h\u1ecd mua b\u1ea3o hi\u1ec3m. C\u00f2n ng\u01b0\u1eddi vay c\u0169ng bi\u1ebft m\u00ecnh b\u1ecb \u00e9p, nh\u01b0ng v\u00ec \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1i l\u1ee3i tr\u01b0\u1edbc m\u1eaft n\u00ean v\u1eabn ch\u1ea5p nh\u1eadn mua. N\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u00f3ng ti\u1ebfp th\u00ec s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u00f3 coi nh\u01b0 m\u1ea5t gi\u00e1 tr\u1ecb, nh\u01b0ng n\u1ebfu kh\u00e1ch h\u00e0ng ti\u1ebfp t\u1ee5c \u0111\u00f3ng th\u00ec h\u1ecd v\u1eabn \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m khi g\u1eb7p r\u1ee7i ro. T\u1ee9c l\u00e0 h\u1ecd b\u1ecb \u00e9p mua m\u1ed9t m\u1eb7t h\u00e0ng, nh\u01b0ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i h\u00e0ng gi\u1ea3, h\u00e0ng v\u1ee9t \u0111i.<\/em><\/p>\n

<\/h6>\n

\u201cCh\u00ednh v\u00ec v\u1eady, t\u00f4i cho r\u1eb1ng, b\u1ea3n th\u00e2n ng\u01b0\u1eddi mua c\u0169ng c\u00f3 c\u00e1i sai trong m\u1ed1i quan h\u1ec7 n\u00e0y, c\u00f3 th\u1ec3 l\u00e0 c\u00e1i sai c\u1ee7a ng\u01b0\u1eddi mua v\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ec9 l\u1ec7 30-70, th\u1eadm ch\u00ed l\u00e0 50-50. T\u1ee9c l\u00e0 ng\u01b0\u1eddi mua c\u00f3 ph\u1ea7n n\u00e0o \u0111\u00f3 b\u1ecb \u00e9p bu\u1ed9c, song kh\u00f4ng th\u1ec3 \u0111\u1ed5 l\u1ed7i 100% cho ng\u00e2n h\u00e0ng. Ngo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi d\u00e2n g\u1eedi ti\u1ec1n m\u00e0 ng\u00e2n h\u00e0ng l\u1ea1i chuy\u1ec3n \u0111\u1ed5i sang s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 b\u1ea3o hi\u1ec3m, th\u00ec \u0111\u00e2y ho\u00e0n to\u00e0n l\u00e0 c\u00e1i sai c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c n\u00e0y.\u201d – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>\u00a0nh\u00ecn nh\u1eadn.<\/em><\/p>\n

Ch\u1ec9 ch\u0103m ch\u0103m b\u00e1n b\u1ea3o hi\u1ec3m b\u1eb1ng \u0111\u01b0\u1ee3c s\u1ebd m\u1ea5t kh\u00e1ch h\u00e0ng<\/strong><\/h5>\n

Theo \u00f4ng Nguy\u1ec5n \u0110\u00ecnh T\u00f9ng, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng TMCP Ph\u01b0\u01a1ng \u0110\u00f4ng (OCB) chia s\u1ebb v\u1edbi b\u00e1o ch\u00ed, \u0111\u1ec3 x\u1ea3y ra t\u00ecnh tr\u1ea1ng \u201cbia k\u00e8m l\u1ea1c\u201d l\u00e0 \u0111i\u1ec1u \u0111\u00e1ng ti\u1ebfc. Nguy\u00ean nh\u00e2n x\u1ea3y ra t\u00ecnh tr\u1ea1ng tr\u00ean ch\u1ee7 y\u1ebfu l\u00e0 v\u00ec nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u201c\u1ea9u\u201d, ch\u1ec9 v\u00ec ch\u1ea1y theo ch\u1ec9 ti\u00eau, mu\u1ed1n \u0111\u1ea1t \u0111\u01b0\u1ee3c k\u1ebft qu\u1ea3 kinh doanh m\u00e0 kh\u00f4ng ch\u1ecbu kh\u00f3 h\u1ecdc h\u1ecfi k\u1ef9 n\u0103ng \u0111\u1ec3 ph\u00e2n t\u00edch l\u1ee3i \u00edch c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u1ec3 thuy\u1ebft ph\u1ee5c kh\u00e1ch h\u00e0ng thay v\u00ec \u201cchi\u00eau d\u1ee5\u201d d\u1ef1a v\u00e0o l\u1ee3i th\u1ebf c\u1ee7a b\u00ean cho vay.<\/p>\n

\u1ede \u0111\u00e2y c\u1ea7n ph\u1ea3i n\u00f3i \u0111\u1ebfn \u0111\u1ea1o \u0111\u1ee9c c\u1ee7a ng\u01b0\u1eddi b\u00e1n h\u00e0ng. V\u00ed d\u1ee5, c\u00f3 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m m\u00e0 gi\u1ed1ng nh\u01b0 s\u1ea3n ph\u1ea9m ti\u1ec1n g\u1eedi l\u00e0 sai r\u1ed3i, \u0111\u00f3 l\u00e0 ng\u01b0\u1eddi kh\u00f4ng c\u00f3 \u0111\u1ea1o \u0111\u1ee9c ngh\u1ec1 nghi\u1ec7p. Ng\u01b0\u1eddi c\u00f3 \u0111\u1ea1o \u0111\u1ee9c l\u00e0 ph\u1ea3i ph\u00e2n t\u00edch cho kh\u00e1ch h\u00e0ng \u0111\u1ec3 h\u1ecd th\u1ea5y c\u1ea3 m\u1eb7t l\u1ee3i \u00edch l\u1eabn r\u1ee7i ro c\u1ee7a s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m. Ph\u1ea3i nh\u1eafm \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng, \u0111\u1ec3 kh\u00e1ch h\u00e0ng g\u1eafn b\u00f3 l\u00e2u d\u00e0i v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

N\u1ebfu nh\u01b0 ch\u1ec9 ch\u0103m ch\u0103m b\u00e1n h\u00e0ng b\u1eb1ng \u0111\u01b0\u1ee3c, b\u00e1n b\u1eb1ng m\u1ecdi c\u00e1ch th\u00ec ch\u1eafc ch\u1eafn l\u00e0 kh\u00f4ng gi\u1eef \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng. Trong khi \u0111\u00f3 trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec c\u1ea7n nh\u1ea5t l\u00e0 kh\u00e1ch h\u00e0ng v\u00e0 m\u1ecdi thu nh\u1eadp ng\u00e2n h\u00e0ng c\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ec1u \u0111\u1ebfn t\u1eeb \u201cth\u01b0\u1ee3ng \u0111\u1ebf\u201d.<\/p>\n

H\u1ed3ng<\/strong> Quang<\/strong><\/h5>\n

————-<\/em><\/p>\n

Th\u01b0\u01a1ng<\/em><\/strong> tr\u01b0\u1eddng (G\u00f3n nh\u00ecn)<\/em><\/strong> ng\u00e0y <\/em><\/strong>03-7<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/thuongtruong.com.vn\/news\/doanh-nghiep-vay-von-bi-ep-mua-bao-hiem-dung-de-khach-hang-mat-thien-cam-tay-chay-ngan-hang-105484.html<\/a> <\/em><\/p>\n

(<\/em>570\/1.876<\/em>) #bahiem #Nganhang<\/em>","protected":false},"excerpt":{"rendered":"

Doanh nghi\u1ec7p vay v\u1ed1n b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m: \u0110\u1eebng \u0111\u1ec3 kh\u00e1ch h\u00e0ng m\u1ea5t thi\u1ec7n c\u1ea3m, t\u1ea9y chay ng\u00e2n h\u00e0ng (TT) – Theo c\u00e1c chuy\u00ean gia, vi\u1ec7c doanh nghi\u1ec7p vay v\u1ed1n b\u1ecb \u00e9p v\u00e0o th\u1ebf ph\u1ea3i mua k\u00e8m b\u1ea3o hi\u1ec3m r\u00f5 r\u00e0ng l\u00e0 l\u1ed7i c\u1ee7a nh\u1eefng ng\u00e2n h\u00e0ng \u0111ang h\u00e0nh x\u1eed theo ki\u1ec3u v\u00ec l\u1ee3i […]<\/p>\n","protected":false},"author":1,"featured_media":37327,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[51,36],"class_list":["post-37326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.529. 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