{"id":38298,"date":"2023-11-15T16:43:37","date_gmt":"2023-11-15T09:43:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38298"},"modified":"2024-10-16T09:55:24","modified_gmt":"2024-10-16T02:55:24","slug":"4-172-doanh-nghiep-than-kho-vay-duoc-tien-gop-von-nhung-bi-phong-toa","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-172-doanh-nghiep-than-kho-vay-duoc-tien-gop-von-nhung-bi-phong-toa\/","title":{"rendered":"4.173. Doanh nghi\u1ec7p than kh\u00f3 ‘vay \u0111\u01b0\u1ee3c ti\u1ec1n g\u00f3p v\u1ed1n nh\u01b0ng b\u1ecb phong t\u1ecfa'"},"content":{"rendered":"

Doanh nghi\u1ec7p than kh\u00f3 ‘vay \u0111\u01b0\u1ee3c ti\u1ec1n g\u00f3p v\u1ed1n nh\u01b0ng b\u1ecb phong t\u1ecfa’<\/span><\/h4>\n
(VNN) – Kh\u00e1ch h\u00e0ng vay ti\u1ec1n \u0111\u1ec3 g\u00f3p v\u1ed1n m\u00e0 ng\u00e2n h\u00e0ng l\u1ea1i phong t\u1ecfa ngu\u1ed3n ti\u1ec1n n\u00e0y th\u00ec ch\u1ec9 c\u00f3 l\u1ee3i cho ng\u00e2n h\u00e0ng. C\u00f2n ng\u01b0\u1eddi nh\u1eadn ti\u1ec1n thanh to\u00e1n l\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 l\u1ea1i kh\u00f4ng th\u1ec3 s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n vay.<\/span><\/strong><\/h5>\n
Quy \u0111\u1ecbnh b\u1ea5t h\u1ee3p l\u00fd<\/strong><\/h5>\n

M\u1edbi \u0111\u00e2y, t\u1ea1i H\u1ed9i ngh\u1ecb t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ph\u00e1t tri\u1ec3n nh\u00e0 \u1edf x\u00e3 h\u1ed9i do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), B\u1ed9 X\u00e2y d\u1ef1ng, t\u1ed5 ch\u1ee9c, \u0111\u1ea1i di\u1ec7n c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0 Vingroup, Novaland, H\u01b0ng Th\u1ecbnh\u2026, n\u00eau nhi\u1ec1u v\u01b0\u1edbng m\u1eafc li\u00ean quan th\u1ee7 t\u1ee5c, h\u1ea1n m\u1ee9c, l\u00e3i su\u1ea5t g\u00e2y kh\u00f3 kh\u0103n khi vay v\u1ed1n.<\/p>\n

Trong \u0111\u00f3 c\u00f3 c\u00e2u chuy\u1ec7n b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u1ebf ch\u1ea5p b\u1ecb \u0111\u1ecbnh gi\u00e1 th\u1ea5p, c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng nh\u1eadn th\u1ebf ch\u1ea5p b\u1eb1ng c\u1ed5 phi\u1ebfu, m\u00e1y m\u00f3c thi\u1ebft b\u1ecb, quy\u1ec1n t\u00e0i s\u1ea3n… doanh nghi\u1ec7p \u0111\u1ec1 ngh\u1ecb c\u00e1c nh\u00e0 b\u0103ng kh\u00f4ng phong t\u1ecfa nh\u1eefng kho\u1ea3n ti\u1ec1n \u0111\u1eb7t c\u1ecdc khi nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng d\u1ef1 \u00e1n.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi\u00a0PV VietNamNet<\/em>\u00a0sau h\u1ed9i ngh\u1ecb, \u00f4ng L\u00ea Ho\u00e0ng Ch\u00e2u, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n TP.HCM (HoREA) cho r\u1eb1ng, \u0111\u00e2y l\u00e0 nh\u1eefng r\u00e0o c\u1ea3n c\u1ea7n \u0111\u01b0\u1ee3c nhanh ch\u00f3ng th\u00e1o g\u1ee1. Trong \u0111\u00f3, \u00f4ng Ch\u00e2u c\u0169ng ch\u1ec9 ra b\u1ea5t c\u1eadp trong Th\u00f4ng t\u01b0 06\/2023 (g\u1ecdi t\u1eaft Th\u00f4ng t\u01b0 06) c\u1ee7a NHNN s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 39\/2016 v\u1eeba c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb \u0111\u1ea7u th\u00e1ng 9.<\/p>\n

Theo ph\u1ea3n \u00e1nh, th\u1eddi gian qua, nhi\u1ec1u doanh nghi\u1ec7p b\u1ea5t ng\u1edd b\u1ecb ph\u00eda ng\u00e2n h\u00e0ng t\u1eeb ch\u1ed1i cho vay \u0111\u1ec3 g\u00f3p v\u1ed1n, h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0, ho\u1eb7c \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn cho vay nh\u01b0ng l\u1ea1i b\u1ecb phong t\u1ecfa kho\u1ea3n vay, kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng.<\/p>\n

Th\u00f4ng t\u01b0 06\/2023 (TT06) s\u1eeda \u0111\u1ed5i kho\u1ea3n 2 \u0111i\u1ec1u 22 y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng “tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n g\u00f3p v\u1ed1n theo h\u1ee3p \u0111\u1ed3ng g\u00f3p v\u1ed1n, h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0 ho\u1eb7c h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n, c\u00f3 bi\u1ec7n ph\u00e1p ki\u1ec3m tra, gi\u00e1m s\u00e1t, \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, ngu\u1ed3n tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng thu h\u1ed3i \u0111\u1ea7y \u0111\u1ee7 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay \u0111\u00fang h\u1ea1n theo th\u1ecfa thu\u1eadn, ki\u1ec3m so\u00e1t vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch”.<\/p>\n

TT06 b\u1ed5 sung kho\u1ea3n 5 \u0111i\u1ec1u 26 khi th\u1ef1c hi\u1ec7n cho vay, “tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n nh\u1eb1m b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i phong t\u1ecfa s\u1ed1 ti\u1ec1n gi\u1ea3i ng\u00e2n v\u1ed1n cho vay t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean t\u1ea1i th\u1ecfa thu\u1eadn cho vay cho \u0111\u1ebfn khi ch\u1ea5m d\u1ee9t ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m”.<\/p>\n

Theo c\u00f4ng v\u0103n s\u1ed1 8631 ng\u00e0y 8\/11 c\u1ee7a NHNN g\u1eedi c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u1ec3 gi\u1ea3i \u0111\u00e1p nh\u1eefng c\u00e2u h\u1ecfi li\u00ean quan \u0111\u1ebfn Th\u00f4ng t\u01b0 06, gi\u1ea3i th\u00edch Kho\u1ea3n 2, \u0110i\u1ec1u 22 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung) li\u00ean quan \u0111\u1ebfn vi\u1ec7c cho\u00a0vay v\u1ed1n\u00a0\u0111\u1ec3 thanh to\u00e1n ti\u1ec1n nh\u1eb1m \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, NHNN y\u00eau c\u1ea7u ph\u1ea3i phong t\u1ecfa s\u1ed1 ti\u1ec1n gi\u1ea3i ng\u00e2n v\u1ed1n cho vay t\u1ea1i TCTD cho vay.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, cho vay g\u00f3p v\u1ed1n, h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0 l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf h\u1ebft s\u1ee9c ph\u1ed5 bi\u1ebfn. \u0110\u1eb7c bi\u1ec7t, trong l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u0111\u00e2y c\u00f2n \u0111\u01b0\u1ee3c xem l\u00e0 \u201cphao c\u1ee9u sinh\u201d cho c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 khi d\u1ef1 \u00e1n \u0111ang trong giai \u0111o\u1ea1n ho\u00e0n thi\u1ec7n, ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0a v\u00e0o kinh doanh n\u00ean ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng v\u1ed1n t\u1eeb kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

L\u00fac n\u00e0y, vi\u1ec7c nh\u1eadn g\u00f3p v\u1ed1n t\u1eeb \u0111\u1ed1i t\u00e1c theo ph\u01b0\u01a1ng ch\u00e2m \u201cg\u00f3p g\u1ea1o th\u1ed5i c\u01a1m chung\u201d, \u0111\u00f4i b\u00ean c\u00f9ng c\u00f3 l\u1ee3i l\u00e0 nhu c\u1ea7u h\u1ee3p l\u00fd v\u00e0 ch\u00ednh \u0111\u00e1ng, mi\u1ec5n l\u00e0 b\u00ean nh\u1eadn v\u1ed1n g\u00f3p ph\u1ea3i \u0111\u1ea3m b\u1ea3o s\u1eed d\u1ee5ng v\u1ed1n theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 cam k\u1ebft v\u1edbi b\u00ean g\u00f3p v\u1ed1n.<\/p>\n

\"Doanh<\/p>\n

Doanh nghi\u1ec7p k\u00eau kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n vay. (\u1ea2nh: Ho\u00e0ng H\u00e0)<\/h6>\n
Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong> cho r\u1eb1ng, quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 \u0111ang kh\u00f4ng r\u00f5 r\u00e0ng.\u00a0<\/em><\/h5>\n

\u201cTrong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ph\u1ea3i hi\u1ec3u r\u1eb1ng, vi\u1ec7c cho vay \u0111\u1ec3 g\u00f3p v\u1ed1n kh\u00f4ng ph\u1ea3i l\u00e0 \u201ctr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n nh\u1eb1m b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5\u201d \u0111\u1ec3 ph\u1ea3i phong t\u1ecfa ti\u1ec1n vay. Doanh nghi\u1ec7p vay ti\u1ec1n nh\u01b0ng l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c d\u00f9ng ti\u1ec1n th\u00ec l\u00e0m sao b\u00ean nh\u1eadn g\u00f3p v\u1ed1n c\u00f3 th\u1ec3 tri\u1ec3n khai \u0111\u01b0\u1ee3c d\u1ef1 \u00e1n v\u00e0 ho\u00e0n th\u00e0nh ngh\u0129a v\u1ee5 v\u1edbi b\u00ean g\u00f3p v\u1ed1n? H\u1ec7 l\u1ee5y kh\u00f4ng ch\u1ec9 l\u00e0 giao d\u1ecbch kinh t\u1ebf \u0111\u1ed5 v\u1ee1 m\u00e0 c\u00f2n g\u00e2y t\u00e1c \u0111\u1ed9ng d\u00e2y chuy\u1ec1n \u0111\u1ebfn nhi\u1ec1u quan h\u1ec7 kinh t\u1ebf, d\u00e2n s\u1ef1 kh\u00e1c\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c <\/span><\/a>c\u1ea3nh b\u00e1o.<\/em><\/p>\n

Theo \u00f4ng \u0110\u1ee9c, NHNN c\u1ea7n nhanh ch\u00f3ng gi\u1ea3i t\u1ecfa c\u00e1ch hi\u1ec3u v\u00e0 th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang n\u00e0y. V\u00ec n\u1ebfu hi\u1ec3u quy \u0111\u1ecbnh nh\u01b0 v\u1eady th\u00ec \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ph\u1ea3i c\u00f3\u00a0t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u00a0g\u1ea5p \u0111\u00f4i (\u0111\u1ec3 ng\u00e2n h\u00e0ng cho vay v\u00e0 \u0111\u1ec3 ng\u00e2n h\u00e0ng gi\u1ea3i t\u1ecfa s\u1ed1 ti\u1ec1n \u0111\u00e3 gi\u1ea3i ng\u00e2n) cho c\u00f9ng m\u1ed9t kho\u1ea3n vay.\u00a0<\/em><\/p>\n

\u201c\u0110i\u1ec1u n\u00e0y l\u00e0 v\u00f4 l\u00fd, g\u00e2y l\u00e3ng ph\u00ed ngu\u1ed3n l\u1ef1c, t\u0103ng chi ph\u00ed, th\u1eadm ch\u00ed l\u00e0 \u0111\u00e1nh \u0111\u1ed1 doanh nghi\u1ec7p, nh\u1ea5t l\u00e0 vi\u1ec7c si\u1ebft c\u1ea3 k\u00eanh t\u00edn d\u1ee5ng v\u00e0 tr\u00e1i phi\u1ebfu trong th\u1eddi gian qua \u0111ang \u0111\u1ea9y h\u1ecd \u0111\u1ebfn b\u00ean b\u1edd v\u1ef1c\u201d, \u00f4ng \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh.<\/em><\/p>\n

\u00d4ng L\u00ea Ho\u00e0ng Ch\u00e2u, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n TP.HCM (HoREA) nh\u1eadn x\u00e9t, quy \u0111\u1ecbnh “phong t\u1ecfa” s\u1ed1 ti\u1ec1n vay \u0111\u1ec1 c\u1eadp t\u1ea1i Th\u00f4ng t\u01b0 06 l\u00e0 v\u00eanh v\u1edbi quy \u0111\u1ecbnh c\u1ee7a b\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

\u00d4ng Ch\u00e2u \u0111\u00e1nh gi\u00e1, theo quy \u0111\u1ecbnh m\u1edbi, c\u00e1c kho\u1ea3n vay \u0111\u1ec3 th\u1ef1c hi\u1ec7n quy\u1ec1n h\u1ee3p ph\u00e1p tr\u00ean s\u1ebd b\u1ecb phong t\u1ecfa, ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ngu\u1ed3n ti\u1ec1n n\u00e0y l\u00e0 \u0111i\u1ec1u v\u00f4 l\u00fd.<\/p>\n

Ngo\u00e0i ra, lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n hi\u1ec7n h\u00e0nh c\u0169ng nh\u01b0 d\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i c\u0169ng kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c phong t\u1ecfa ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng vay g\u00f3p v\u1ed1n v\u1edbi ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

\u0110i v\u00e0o th\u1ef1c t\u1ebf, Ch\u1ee7 t\u1ecbch HoREA \u0111\u01b0a ra d\u1eabn ch\u1ee9ng, kh\u00e1ch h\u00e0ng mua nh\u00e0 th\u1ef1c hi\u1ec7n \u0111\u1eb7t c\u1ecdc v\u1edbi ch\u1ee7 \u0111\u1ea7u t\u01b0 l\u00e0 chuy\u1ec7n ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ecb tr\u01b0\u1eddng. Trong tr\u01b0\u1eddng h\u1ee3p b\u00ean n\u00e0o kh\u00f4ng th\u1ef1c hi\u1ec7n th\u00ec ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho b\u00ean kia theo th\u1ecfa thu\u1eadn. \u1ede \u0111\u00e2y, kh\u00e1ch h\u00e0ng v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 ngang nhau.<\/p>\n

C\u00f2n theo quy \u0111\u1ecbnh t\u1ea1i\u00a0Th\u00f4ng t\u01b0 06, kh\u00e1ch h\u00e0ng vay ti\u1ec1n \u0111\u1ec3 g\u00f3p v\u1ed1n m\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i phong t\u1ecfa ngu\u1ed3n ti\u1ec1n n\u00e0y th\u00ec quy \u0111\u1ecbnh n\u00e0y ho\u00e0n to\u00e0n ch\u1ec9 c\u00f3 l\u1ee3i cho ng\u00e2n h\u00e0ng v\u00ec ngu\u1ed3n ti\u1ec1n v\u1eabn n\u1eb1m t\u1ea1i ng\u00e2n h\u00e0ng. Trong khi \u0111\u00f3 ng\u01b0\u1eddi nh\u1eadn ti\u1ec1n thanh to\u00e1n, \u1edf \u0111\u00e2y l\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0, l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n n\u00e0y.<\/p>\n

\u201cN\u1ebfu quy \u0111\u1ecbnh phong t\u1ecfa ti\u1ec1n vay cho ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n v\u00ec s\u1ee3 b\u00ean nh\u1eadn thanh to\u00e1n s\u1eed d\u1ee5ng sai m\u1ee5c \u0111\u00edch, thi\u1ebfu tr\u00e1ch nhi\u1ec7m hay l\u1eeba \u0111\u1ea3o th\u00ec kh\u00f4ng h\u1ee3p l\u00fd. Vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n c\u00f3 hi\u1ec7u qu\u1ea3 l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u00ean nh\u1eadn v\u1ed1n g\u00f3p, hay ch\u1ee7 \u0111\u1ea7u t\u01b0\u201d \u2013 \u00f4ng Ch\u00e2u n\u00f3i.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, theo \u00f4ng Ch\u00e2u, doanh nghi\u1ec7p c\u0169ng ph\u1ea3i c\u00f3 tr\u00e1nh nhi\u1ec7m c\u1ea7n t\u00e1i c\u1ea5u tr\u00fac l\u1ea1i ch\u00ednh m\u00ecnh \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng gi\u1ea3i quy\u1ebft c\u00e1c kh\u00f3 kh\u0103n.<\/p>\n

H\u1ed3ng Khanh <\/strong><\/p>\n

—————<\/p>\n

Vietnamnet (Th\u1ecb tr\u01b0\u1eddng) ng\u00e0y 15-11-2023:<\/em><\/strong><\/p>\n

https:\/\/vietnamnet.vn\/doanh-nghiep-than-kho-vay-duoc-tien-gop-von-nhung-bi-phong-toa-2215095.html<\/a> <\/em><\/p>\n

(230\/1.253)<\/em><\/p>\n

—————-<\/p>\n

\u0110\u1ea7y \u0111\u1ee7 ph\u1ea7n \u00fd ki\u1ebfn c\u1ee7a t\u00f4i \u0111\u00e3 tr\u1ef1c ti\u1ebfp s\u1eeda b\u00e0i cho ph\u00f3ng vi\u00ean & g\u1eedi \u0111i nh\u01b0 sau:<\/strong><\/h4>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>, <\/span>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/span><\/a> ANVI<\/span><\/a><\/strong> cho r\u1eb1ng ng\u00e2n h\u00e0ng \u0111ang v\u00ec an to\u00e0n c\u1ee7a m\u00ecnh, v\u00ec s\u1ee3 tr\u00e1ch nhi\u1ec7m m\u00e0 \u0111\u1ea9y h\u1ebft c\u00e1i kh\u00f3, th\u1eadm ch\u00ed g\u00e2y b\u1ebf t\u1eafc cho c\u00e1c doanh nghi\u1ec7p.<\/em><\/p>\n

V\u1ec1 vi\u1ec7c phong to\u1ea3:<\/em><\/strong><\/h5>\n

\u201cTr\u01b0\u1edbc h\u1ebft l\u00e0 do quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 kh\u00f4ng r\u00f5 r\u00e0ng. Sau \u0111\u00f3 l\u00e0 do c\u00e1c ng\u00e2n h\u00e0ng qu\u00e1 s\u1ee3 vi ph\u1ea1m n\u00ean \u00e1p d\u1ee5ng theo ki\u1ec3u gi\u1ea3i tho\u00e1t m\u1ecdi tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ph\u1ea3i ph\u1ea3i hi\u1ec3u r\u1eb1ng, vi\u1ec7c cho vay \u0111\u1ec3 g\u00f3p v\u1ed1n kh\u00f4ng ph\u1ea3i l\u00e0 \u201ctr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n nh\u1eb1m b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5\u201d \u0111\u1ec3 ph\u1ea3i phong t\u1ecfa ti\u1ec1n vay. N\u1ebfu hi\u1ec3u theo c\u00e1ch, doanh nghi\u1ec7p vay ti\u1ec1n nh\u01b0ng l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c d\u00f9ng ti\u1ec1n th\u00ec l\u00e0m sao b\u00ean nh\u1eadn g\u00f3p v\u1ed1n c\u00f3 th\u1ec3 tri\u1ec3n khai \u0111\u01b0\u1ee3c d\u1ef1 \u00e1n v\u00e0 ho\u00e0n th\u00e0nh ngh\u0129a v\u1ee5 v\u1edbi b\u00ean g\u00f3p v\u1ed1n? H\u1ec7 l\u1ee5y kh\u00f4ng ch\u1ec9 l\u00e0 giao d\u1ecbch kinh t\u1ebf \u0111\u1ed5 v\u1ee1 m\u00e0 c\u00f2n g\u00e2y t\u00e1c \u0111\u1ed9ng d\u00e2y chuy\u1ec1n \u0111\u1ebfn nhi\u1ec1u quan h\u1ec7 kinh t\u1ebf, d\u00e2n s\u1ef1 kh\u00e1c\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c <\/span><\/a>c\u1ea3nh b\u00e1o. <\/em><\/p>\n

\u201cNg\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n nhanh ch\u00f3ng gi\u1ea3i t\u1ecfa c\u00e1ch hi\u1ec3u v\u00e0 th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang n\u00e0y. V\u00ec n\u1ebfu hi\u1ec3u quy \u0111\u1ecbnh nh\u01b0 v\u1eady th\u00ec \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m g\u1ea5p \u0111\u00f4i (\u0111\u1ec3 ng\u00e2n h\u00e0ng cho vay v\u00e0 \u0111\u1ec3 ng\u00e2n h\u00e0ng gi\u1ea3i t\u1ecfa s\u1ed1 ti\u1ec1n \u0111\u00e3 gi\u1ea3i ng\u00e2n) cho c\u00f9ng m\u1ed9t kho\u1ea3n vay. \u0110i\u1ec1u n\u00e0y l\u00e0 qu\u00e1 v\u00f4 l\u00fd, g\u00e2y l\u00e3ng ph\u00ed ngu\u1ed3n l\u1ef1c, t\u0103ng chi ph\u00ed, th\u1eadm ch\u00ed l\u00e0 \u0111\u00e1nh \u0111\u1ed1 doanh nghi\u1ec7p, nh\u1ea5t l\u00e0 vi\u1ec7c si\u1ebft c\u1ea3 k\u00eanh t\u00edn d\u1ee5ng v\u00e0 tr\u00e1i phi\u1ebfu trong th\u1eddi gian qua \u0111ang \u0111\u1ea9y h\u1ecd \u0111\u1ebfn b\u00ean b\u1edd v\u1ef1c\u201d, \u00f4ng \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh. <\/em><\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>, \u201cn\u1ebfu ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u00ec th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 292 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh v\u1ec1 9 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m (cho vay ch\u1ec9 \u00e1p d\u1ee5ng 5 bi\u1ec7n ph\u00e1p k\u00fd qu\u1ef9, c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh, v\u00e0 t\u00edn ch\u1ea5p). Tuy nhi\u00ean, vi\u1ec7c \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m khi cho vay l\u00e0 theo th\u1ecfa thu\u1eadn, ch\u1ee9 ph\u00e1p lu\u1eadt kh\u00f4ng \u00a0b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3, tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 (v\u00ed d\u1ee5 nh\u01b0 cho vay \u0111\u1ed1i v\u1edbi c\u1ed5 \u0111\u00f4ng l\u1edbn hay ng\u01b0\u1eddi x\u00e9t duy\u1ec7t cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng). Ng\u00e2n h\u00e0ng ch\u1ec9 phong t\u1ecfa s\u1ed1 ti\u1ec1n k\u00fd qu\u1ef9, c\u1ea7m c\u1ed1 v\u00ec \u0111\u00f3 l\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, ch\u1ee9 kh\u00f4ng ai \u0111i phong t\u1ecfa s\u1ed1 ti\u1ec1n gi\u1ea3i ng\u00e2n, v\u00ec \u0111\u00f3 l\u00e0 ti\u1ec1n cho vay ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ti\u1ec1n b\u1ea3o \u0111\u1ea3m. Ng\u00e2n h\u00e0ng ch\u1ec9 phong t\u1ecfa ti\u1ec1n cho vay n\u1ebfu nh\u01b0 s\u1ed1 ti\u1ec1n \u0111\u00f3 s\u1eed d\u1ee5ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 n\u00e0o \u0111\u00f3, nh\u01b0 d\u00f9ng s\u1ed1 ti\u1ec1n vay \u0111\u1ec3 k\u00fd qu\u1ef9 m\u1edf L\/C hay tham gia d\u1ef1 th\u1ea7u ch\u1eb3ng h\u1ea1n. Ti\u1ec1n cho vay \u0111\u1ec3 thanh to\u00e1n, tr\u1ea3 n\u1ee3, \u0111\u1ea7u t\u01b0 g\u00f3p v\u1ed1n, h\u1ee3p t\u00e1c kinh doanh th\u00ec v\u1eabn gi\u1ea3i ng\u00e2n b\u00ecnh th\u01b0\u1eddng kh\u00f4ng ch\u1ecbu s\u1ef1 chi ph\u1ed1i t\u1ea1i quy \u0111\u1ecbnh m\u1edbi c\u1ee7a Th\u00f4ng t\u01b0 06. C\u00f3 l\u1ebd 90% s\u1ed1 ti\u1ec1n vay c\u1ee7a doanh nghi\u1ec7p l\u00e0 \u0111\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t ngh\u0129a v\u1ee5 n\u00e0o \u0111\u00f3 theo cam k\u1ebft trong c\u00e1c h\u1ee3p \u0111\u1ed3ng kinh doanh, th\u01b0\u01a1ng m\u1ea1i (n\u00ean ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh ph\u1ea3i gi\u1ea3i ng\u00e2n v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng, ch\u1ee9 kh\u00f4ng gi\u1ea3i ng\u00e2n v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi vay), nh\u01b0ng \u0111i\u1ec1u \u0111\u00f3 ho\u00e0n to\u00e0n kh\u00e1c v\u1edbi vi\u1ec7c \u2018nh\u1eb1m b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5\u2019 theo c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m\u201d. <\/em><\/p>\n

\u201cTh\u1eadm ch\u00ed, ngay c\u1ea3 tr\u01b0\u1eddng h\u1ee3p s\u1ed1 ti\u1ec1n vay \u0111\u1ec3 \u201cnh\u1eb1m b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5\u201d th\u00ec ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p t\u1ef1 \u00fd phong t\u1ecfa. V\u00ec, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 12 v\u1ec1 \u201cT\u1ea1m kh\u00f3a v\u00e0 phong t\u1ecfa t\u00e0i kho\u1ea3n thanh to\u00e1n\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 101\/2012\/N\u0110-CP, th\u00ec ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 quy\u1ec1n phong t\u1ecfa t\u00e0i kho\u1ea3n trong 4 tr\u01b0\u1eddng h\u1ee3p (kh\u00f4ng c\u00f3 tr\u01b0\u1eddng h\u1ee3p n\u00e0o theo Th\u00f4ng t\u01b0 06). Tr\u01b0\u1eddng h\u1ee3p gi\u1ea3i ng\u00e2n cho vay nh\u01b0 \u0111ang \u0111\u1ec1 c\u1eadp th\u00ec ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p \u2018t\u1ea1m kh\u00f3a (t\u1ea1m d\u1eebng giao d\u1ecbch) m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n tr\u00ean t\u00e0i kho\u1ea3n khi ch\u1ee7 t\u00e0i kho\u1ea3n y\u00eau c\u1ea7u ho\u1eb7c theo th\u1ecfa thu\u1eadn tr\u01b0\u1edbc gi\u1eefa ch\u1ee7 t\u00e0i kho\u1ea3n v\u00e0 t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n\u2019. T\u1ee9c ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c quy\u1ec1n \u2018\u0111\u00f3ng b\u0103ng\u2019 t\u00e0i kho\u1ea3n khi c\u00f3 y\u00eau c\u1ea7u ho\u1eb7c th\u1ecfa thu\u1eadn c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n.<\/em><\/p>\n

Nh\u01b0 v\u1eady, do s\u1ef1 m\u1eadp m\u1edd c\u1ee7a Th\u00f4ng t\u01b0 06 c\u0169ng nh\u01b0 s\u1ef1 v\u00f2ng vo c\u1ee7a C\u00f4ng v\u0103n 8631 m\u00e0 nhi\u1ec1u TCTD \u0111\u1ec3 b\u1ea3o v\u1ec7 m\u00ecnh, \u0111\u00e3 \u00e1p d\u1ee5ng sai. C\u00e1ch l\u00e0m n\u00e0y v\u00f4 h\u00ecnh trung bi\u1ebfn Th\u00f4ng t\u01b0 06 th\u00e0nh m\u1ed9t v\u0103n b\u1ea3n sai lu\u1eadt, tr\u00e1i th\u1ef1c t\u1ebf, g\u00e2y thi\u1ec7t h\u1ea1i l\u1edbn cho c\u00e1c doanh nghi\u1ec7p\u201d, v\u1ecb Lu\u1eadt s\u01b0 ch\u1ec9 r\u00f5. <\/em><\/p>\n

V\u1ec1 vi\u1ec7c th\u1ea9m \u0111\u1ecbnh b\u00ean nh\u1eadn v\u1ed1n g\u00f3p:<\/em><\/strong><\/h5>\n

\u201cQuy \u0111\u1ecbnh n\u00e0y c\u0169ng v\u00ec s\u1ef1 ki\u1ec3m so\u00e1t an to\u00e0n v\u1ed1n vay, nh\u01b0ng l\u1ea1i gi\u1ed1ng nh\u01b0 \u2018\u0111\u1ebb\u2019 th\u00eam m\u1ed9t \u0111i\u1ec1u ki\u1ec7n cho vay, g\u00e2y th\u00eam kh\u00f3 kh\u0103n cho b\u00ean g\u00f3p v\u1ed1n, \u0111\u1ed3ng th\u1eddi c\u0169ng g\u00e2y phi\u1ec1n h\u00e0 cho doanh nghi\u1ec7p nh\u1eadn v\u1ed1n g\u00f3p, b\u1edfi h\u1ecd kh\u00f4ng ph\u1ea3i l\u00e0 b\u00ean \u0111i vay, kh\u00f4ng giao d\u1ecbch m\u00e0 v\u1eabn ph\u1ea3i ch\u1ecbu s\u1ef1 ki\u1ec3m so\u00e1t c\u1ee7a ng\u00e2n h\u00e0ng. N\u1ebfu c\u00f3 y\u00eau c\u1ea7u v\u1edbi b\u00ean th\u1ee9 ba nh\u01b0 v\u1eady th\u00ec c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh b\u1eb1ng lu\u1eadt\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c <\/span><\/a>nh\u1eadn \u0111\u1ecbnh.<\/em><\/p>\n

(892)<\/em><\/p>\n

\u00a0<\/em><\/p>\n

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Doanh nghi\u1ec7p than kh\u00f3 ‘vay \u0111\u01b0\u1ee3c ti\u1ec1n g\u00f3p v\u1ed1n nh\u01b0ng b\u1ecb phong t\u1ecfa’ (VNN) – Kh\u00e1ch h\u00e0ng vay ti\u1ec1n \u0111\u1ec3 g\u00f3p v\u1ed1n m\u00e0 ng\u00e2n h\u00e0ng l\u1ea1i phong t\u1ecfa ngu\u1ed3n ti\u1ec1n n\u00e0y th\u00ec ch\u1ec9 c\u00f3 l\u1ee3i cho ng\u00e2n h\u00e0ng. C\u00f2n ng\u01b0\u1eddi nh\u1eadn ti\u1ec1n thanh to\u00e1n l\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 l\u1ea1i kh\u00f4ng th\u1ec3 s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n […]<\/p>\n","protected":false},"author":2,"featured_media":38299,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[37,34,36],"class_list":["post-38298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-kinh-doanh-sanh-luat","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.173. Doanh nghi\u1ec7p than kh\u00f3 'vay \u0111\u01b0\u1ee3c ti\u1ec1n g\u00f3p v\u1ed1n nh\u01b0ng b\u1ecb phong t\u1ecfa' - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Doanh nghi\u1ec7p than kh\u00f3 vay \u0111\u01b0\u1ee3c ti\u1ec1n g\u00f3p v\u1ed1n nh\u01b0ng l\u1ea1i b\u1ecb phong t\u1ecfa. 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