{"id":39172,"date":"2024-03-15T21:34:59","date_gmt":"2024-03-15T14:34:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39172"},"modified":"2024-10-04T17:12:56","modified_gmt":"2024-10-04T10:12:56","slug":"4-253-no-the-tin-dung-11-nam-tu-85-trieu-thanh-88-ty-lieu-co-co-so","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-253-no-the-tin-dung-11-nam-tu-85-trieu-thanh-88-ty-lieu-co-co-so\/","title":{"rendered":"4.253. N\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 11 n\u0103m t\u1eeb 8,5 tri\u1ec7u th\u00e0nh 8,8 t\u1ef7: Li\u1ec7u c\u00f3 c\u01a1 s\u1edf?"},"content":{"rendered":"

N\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 11 n\u0103m t\u1eeb 8,5 tri\u1ec7u th\u00e0nh 8,8 t\u1ef7: Li\u1ec7u c\u00f3 c\u01a1 s\u1edf?<\/span><\/h4>\n
(VTV1) – C\u00e1ch t\u00ednh l\u00e3i, ph\u1ea1t v\u00e0 ph\u00ed ch\u1eadm tr\u1ea3 c\u1ee7a ng\u00e2n h\u00e0ng Eximbank li\u1ec7u c\u00f3 \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt?<\/h5>\n

\"N\u1ee3<\/p>\n

Lu\u1eadt th\u1ebf n\u00e0y trong giai \u0111o\u1ea1n n\u00e0y:<\/h5>\n

Cho to\u00e0n x\u00e3 h\u1ed9i tr\u1eeb ng\u00e2n h\u00e0ng: L\u00e3i su\u1ea5t cho vay trong h\u1ea1n t\u1eeb 2013 kh\u00f4ng qu\u00e1 13% v\u00e0 qu\u00e1 h\u1ea1n kh\u00f4ng qu\u00e1 21%\/n\u0103m (13+9); t\u1eeb 2017 cho vay kh\u00f4ng qu\u00e1 20%, qu\u00e1 h\u1ea1n kh\u00f4ng qu\u00e1 30%\/n\u0103m (20+10). L\u00e3i nh\u1eadp g\u1ed1c kh\u00f4ng b\u1ecb b\u1ecb c\u1ea5m, nh\u01b0ng n\u1ebfu v\u01b0\u1ee3t 100%\/n\u0103m th\u00ec d\u00ednh t\u1ed9i Cho vay l\u00e3i n\u1eb7ng.<\/p>\n

Cho ri\u00eang ng\u00e2n h\u00e0ng, tr\u1eeb to\u00e0n x\u00e3 h\u1ed9i: T\u1eeb 2013 \u0111\u1ebfn nay v\u00e0 s\u1eafp t\u1edbi, l\u00e3i su\u1ea5t cho vay trong h\u1ea1n v\u00f4 t\u1ed9i v\u1ea1 (tr\u1eeb v\u00e0i c\u00e1i ri\u00eang) & khi qu\u00e1 h\u1ea1n = 150% c\u00e1i v\u00f4 t\u1ed9i v\u1ea1. L\u00e3i nh\u1eadp g\u1ed1c v\u00f4 t\u1ed9i v\u1ea1, m\u1ed7i th\u00e1ng, th\u1eadm ch\u00ed m\u1ed7i ng\u00e0y nh\u1eadp l\u00e3i v\u00e0o g\u1ed1c m\u1ed9t l\u1ea7n c\u0169ng \u0111\u01b0\u1ee3c, l\u00e3i c\u00f3 l\u00ean \u0111\u1ebfn 1.000%\/n\u0103m c\u0169ng kh\u00f4ng ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng.<\/p>\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>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC, tr\u1ea3 l\u1eddi ph\u1ecfng v\u1ea5n ph\u00f3ng vi\u00ean Linh ng\u00e0y 15-3-2024 t\u1ea1i \u0111\u01b0\u1eddng Pasteur, S\u00e0i G\u00f2n.<\/p>\n

—————<\/p>\n

VTV<\/em><\/strong>1<\/em><\/strong> (T\u00e0i<\/em><\/strong> ch\u00ednh kinh doanh t\u1ed1i<\/em><\/strong>) ng\u00e0y <\/em><\/strong>15-3<\/em><\/strong>-2024:<\/em><\/strong><\/h4>\n

https:\/\/www.youtube.com\/watch?v=iWCTOb3Vh04<\/a><\/em><\/p>\n

https:\/\/vtv.vn\/video\/tai-chinh-kinh-doanh-toi-15-3-2024-666960.htm<\/a> <\/em><\/p>\n

(Ph\u00fat<\/em> 3:23<\/em>)<\/em><\/p>\n

——————-<\/p>\n

V\u1ee5 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 8,5 tri\u1ec7u th\u00e0nh 8,8 t\u1ef7: Ng\u00e2n h\u00e0ng t\u00ednh l\u00e3i th\u1ebf n\u00e0o?<\/h5>\n

(VTV.vn) – Xung quanh c\u00e2u chuy\u1ec7n ti\u00eau th\u1ebb t\u00edn d\u1ee5ng 8,5 tri\u1ec7u \u0111\u1ed3ng, \u00f4m n\u1ee3 8,8 t\u1ef7 \u0111\u1ed3ng sau 11 n\u0103m, c\u00e2u h\u1ecfi \u0111ang \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0 ng\u00e2n h\u00e0ng \u0111ang t\u00ednh to\u00e1n nh\u01b0 th\u1ebf n\u00e0o?<\/p>\n

N\u0103m 2013, m\u1ed9t kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c cho vay th\u1ebb t\u00edn d\u1ee5ng 8,5 tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng kh\u00f4ng \u0111\u00f3ng l\u00e3i nhi\u1ec1u n\u0103m, \u0111\u1ebfn nay – n\u0103m 2024, c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i ph\u1ea3i tr\u1ea3 l\u00e0 8,8 t\u1ef7 \u0111\u1ed3ng. \u0110\u00e2y l\u00e0 c\u00e2u chuy\u1ec7n gi\u1eefa Eximbank v\u00e0 m\u1ed9t kh\u00e1ch h\u00e0ng t\u1ea1i Qu\u1ea3ng Ninh.<\/p>\n

Ph\u1ea3n h\u1ed3i v\u1ec1 s\u1ef1 vi\u1ec7c n\u00e0y, ai c\u0169ng c\u00f3 c\u00e1i l\u00fd c\u1ee7a m\u00ecnh. Eximbank kh\u1eb3ng \u0111\u1ecbnh l\u00e0 h\u1ecd l\u00e0m \u0111\u00fang. C\u00f2n kh\u00e1ch h\u00e0ng cho bi\u1ebft, b\u1ea3n th\u00e2n kh\u00f4ng h\u1ec1 vay kho\u1ea3n n\u00e0y t\u1ea1i Eximbank.<\/p>\n

Ch\u01b0a bi\u1ebft ai \u0111\u00fang, ai sai. Hi\u1ec7n Thanh tra\u00a0Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0Chi nh\u00e1nh Qu\u1ea3ng Ninh \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n y\u00eau c\u1ea7u Eximbank Chi nh\u00e1nh Qu\u1ea3ng Ninh c\u00f3 v\u0103n b\u1ea3n b\u00e1o c\u00e1o v\u1ec1 v\u1ee5 vi\u1ec7c n\u00e0y. Tuy nhi\u00ean, \u0111i\u1ec1u m\u00e0 d\u01b0 lu\u1eadn quan t\u00e2m nh\u1ea5t l\u00fac n\u00e0y l\u00e0 c\u00e1ch t\u00ednh l\u00e3i ph\u1ea1t v\u00e0 ph\u00ed ch\u1eadm tr\u1ea3 c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y li\u1ec7u c\u00f3 \u0111\u00fang l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hay kh\u00f4ng?<\/p>\n

V\u1edbi s\u1ed1 ti\u1ec1n chi ti\u00eau ph\u00e1t sinh qua th\u1ebb d\u01b0\u1edbi t\u00ean kh\u00e1ch h\u00e0ng A l\u00e0 h\u01a1n 8,5 tri\u1ec7u \u0111\u1ed3ng c\u00e1ch \u0111\u00e2y g\u1ea7n 11 n\u0103m th\u00ec ch\u01b0a \u0111\u1ea7y 2 th\u00e1ng sau giao d\u1ecbch cu\u1ed1i, kho\u1ea3n n\u1ee3 tr\u00ean \u0111\u00e3 \u0111\u01b0\u1ee3c Eximbank chuy\u1ec3n th\u00e0nh n\u1ee3 x\u1ea5u. Eximbank cho bi\u1ebft, ph\u01b0\u01a1ng th\u1ee9c t\u00ednh l\u00e3i, ph\u00ed l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u1ecfa thu\u1eadn gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng theo h\u1ed3 s\u01a1 m\u1edf th\u1ebb.<\/p>\n

Theo bi\u1ec3u ph\u00ed m\u1edbi nh\u1ea5t \u0111\u01b0\u1ee3c \u0111\u0103ng t\u1ea3i tr\u00ean trang web c\u1ee7a ng\u00e2n h\u00e0ng, v\u1edbi\u00a0h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng\u00a0ch\u1ec9 c\u00f3 10 tri\u1ec7u \u0111\u1ed3ng, ch\u1ee7 th\u1ebb n\u00e0y s\u1ebd ph\u1ea3i ch\u1ecbu c\u00e1c lo\u1ea1i ph\u00ed nh\u01b0 ph\u00ed t\u00e0i ch\u00ednh 33%\/n\u0103m, ph\u00ed tr\u1ec5 h\u1ea1n 5% s\u1ed1 ti\u1ec1n thanh to\u00e1n t\u1ed1i thi\u1ec3u, ph\u00ed v\u01b0\u1ee3t h\u1ea1n m\u1ee9c 15%.<\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI: “Th\u01b0\u1eddng m\u1ed9t v\u00e0i th\u00e1ng, c\u00f9ng l\u1eafm 1 – 2 n\u0103m gi\u1ea3i quy\u1ebft xong. C\u00f3 th\u1ec3 \u0111\u00e0m ph\u00e1n v\u1edbi nhau, mi\u1ec5n gi\u1ea3m g\u1ed1c l\u00e3i, ho\u1eb7c x\u00f3a n\u1ee3 ch\u1eb3ng h\u1ea1n. Nh\u01b0ng tr\u01b0\u1eddng h\u1ee3p n\u00e0y qu\u00e1 l\u00e2u v\u00e0 con s\u1ed1 qu\u00e1 l\u1edbn khi\u1ebfn ng\u01b0\u1eddi ta gi\u1eadt m\u00ecnh”.<\/p>\n

Tuy nhi\u00ean, v\u1edbi 8,5 tri\u1ec7u \u0111\u1ed3ng chi ti\u00eau ban \u0111\u1ea7u, m\u00e0 n\u1ee3 g\u1ed1c, l\u00e3i, ph\u1ea1t l\u00ean 8,8 t\u1ef7, theo l\u00e3nh \u0111\u1ea1o trung t\u00e2m th\u1ebb c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 do t\u00ednh theo ph\u01b0\u01a1ng ph\u00e1p ch\u1ed3ng l\u00e3i, t\u1ee9c t\u00ednh l\u00e3i d\u1ef1a tr\u00ean c\u1ea3 s\u1ed1 n\u1ee3 g\u1ed1c, l\u00e3i ph\u00e1t sinh, ph\u00ed v\u00e0 ph\u1ea1t.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u1ea3i – C\u00f4ng ty Lu\u1eadt Basico cho bi\u1ebft: “Ch\u00fang ta ch\u01b0a bi\u1ebft c\u00f4ng th\u1ee9c t\u00ednh l\u00e3i c\u1ee7a ph\u00eda ng\u00e2n h\u00e0ng \u0111\u1ec3 h\u1ecd gi\u1ea3i th\u00edch c\u01a1 ch\u1ebf t\u00ednh l\u00e3i v\u00e0 ph\u00ed ra sao. Nh\u01b0ng nh\u00ecn v\u1ec1 kh\u00eda c\u1ea1nh ph\u00e1p lu\u1eadt, vi\u1ec7c gi\u1edbi h\u1ea1n tr\u1ea7n l\u00e3i kh\u00f4ng \u00e1p d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y. B\u1edfi v\u00ec trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111\u1ea5y l\u00e0 c\u01a1 ch\u1ebf ph\u00e1p lu\u1eadt cho ph\u00e9p. Nh\u1eefng giao d\u1ecbch d\u00e2n s\u1ef1 s\u1ebd \u00e1p d\u1ee5ng tr\u1ea7n t\u00ednh l\u00e3i theo \u0110i\u1ec1u 468 B\u1ed9 Lu\u1eadt H\u00ecnh s\u1ef1”.<\/p>\n

L\u00e3nh \u0111\u1ea1o trung t\u00e2m th\u1ebb c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng cho bi\u1ebft, ph\u1ea7n l\u1edbn c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng t\u00ednh theo ph\u01b0\u01a1ng ph\u00e1p ch\u1ed3ng l\u00e3i. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng \u00e1p d\u1ee5ng theo th\u00f4ng l\u1ec7 l\u00e0 \u0111\u1ed1i v\u1edbi m\u1ed9t kho\u1ea3n n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng \u0111\u00e3 b\u1ecb chuy\u1ec3n th\u00e0nh n\u1ee3 x\u1ea5u th\u00ec c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd khoanh n\u1ee3 sau khi t\u00ednh c\u1ea3 g\u1ed1c, l\u00e3i v\u00e0 ti\u1ec1n ph\u1ea1t.<\/p>\n

V\u00ed d\u1ee5 nh\u01b0 m\u00f3n n\u1ee3 8,5 tri\u1ec7u \u0111\u1ed3ng sau khi c\u1ed9ng l\u00e3i, ph\u1ea1t s\u1ebd th\u00e0nh kho\u1ea3ng 10 tri\u1ec7u \u0111\u1ed3ng. V\u00e0 d\u00f9 c\u00f3 10 hay 11 n\u0103m, th\u00ec ti\u1ec1n l\u00e3i s\u1ebd t\u00ednh tr\u00ean con s\u1ed1 g\u1ed1c 10 tri\u1ec7u n\u00e0y c\u0169ng ch\u1ec9 d\u1eebng \u1edf m\u1ee9c kho\u1ea3ng 60 tri\u1ec7u \u0111\u1ed3ng, \u0111\u1ec3 kh\u00f4ng t\u1ea1o \u00e1p l\u1ef1c n\u1ee3 kh\u00f4ng th\u1ec3 tr\u1ea3 v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

https:\/\/vtv.vn\/kinh-te\/vu-no-the-tin-dung-85-trieu-thanh-88-ty-ngan-hang-tinh-lai-the-nao-2024031605450426.htm<\/a><\/em>","protected":false},"excerpt":{"rendered":"

N\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 11 n\u0103m t\u1eeb 8,5 tri\u1ec7u th\u00e0nh 8,8 t\u1ef7: Li\u1ec7u c\u00f3 c\u01a1 s\u1edf? (VTV1) – C\u00e1ch t\u00ednh l\u00e3i, ph\u1ea1t v\u00e0 ph\u00ed ch\u1eadm tr\u1ea3 c\u1ee7a ng\u00e2n h\u00e0ng Eximbank li\u1ec7u c\u00f3 \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt? Lu\u1eadt th\u1ebf n\u00e0y trong giai \u0111o\u1ea1n n\u00e0y: Cho to\u00e0n x\u00e3 h\u1ed9i tr\u1eeb ng\u00e2n h\u00e0ng: L\u00e3i su\u1ea5t […]<\/p>\n","protected":false},"author":2,"featured_media":39173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[50,36],"class_list":["post-39172","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.253. 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