{"id":39186,"date":"2024-03-17T20:32:42","date_gmt":"2024-03-17T13:32:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39186"},"modified":"2024-10-04T16:09:00","modified_gmt":"2024-10-04T09:09:00","slug":"4-255-no-the-tin-dung-85-trieu-thanh-no-xau-88-ty-dong-ban-khoan-tinh-lai-kep-va-lai-theo-du-no-goc","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-255-no-the-tin-dung-85-trieu-thanh-no-xau-88-ty-dong-ban-khoan-tinh-lai-kep-va-lai-theo-du-no-goc\/","title":{"rendered":"4.255. \u2018N\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 8.5 tri\u1ec7u th\u00e0nh n\u1ee3 x\u1ea5u 8.8 t\u1ef7 \u0111\u1ed3ng\u2019: B\u0103n kho\u0103n t\u00ednh l\u00e3i k\u00e9p v\u00e0 l\u00e3i theo d\u01b0 n\u1ee3 g\u1ed1c"},"content":{"rendered":"

\u2018N\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 8.5 tri\u1ec7u th\u00e0nh n\u1ee3 x\u1ea5u 8.8 t\u1ef7 \u0111\u1ed3ng\u2019: B\u0103n kho\u0103n t\u00ednh l\u00e3i k\u00e9p v\u00e0 l\u00e3i theo d\u01b0 n\u1ee3 g\u1ed1c<\/span><\/h4>\n
(TT) – <\/span>V\u1ee5 ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a Eximbank t\u1ea1i Qu\u1ea3ng Ninh \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ph\u1ea3i tr\u1ea3 h\u01a1n 8 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n l\u00e3i qu\u00e1 h\u1ea1n cho s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c h\u01a1n 8 tri\u1ec7u \u0111\u1ed3ng, g\u00e2y x\u00f4n xao d\u01b0 lu\u1eadn.\u00a0<\/strong><\/h5>\n

\"8.5<\/p>\n

Phi\u1ebfu nh\u1eafc n\u1ee3 g\u00e2y x\u00f4n xao m\u1ea1ng x\u00e3 h\u1ed9i nh\u1eefng ng\u00e0y g\u1ea7n \u0111\u00e2y.<\/p>\n

Kho\u1ea3n n\u1ee3 b\u1ecb \u0111\u00e1nh l\u00e3i k\u00e9p?\u00a0<\/strong><\/h5>\n

Gi\u1edbi ng\u00e2n h\u00e0ng v\u00e0 lu\u1eadt s\u01b0 b\u0103n kho\u0103n v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t n\u00e0y. M\u1ee9c d\u01b0 n\u1ee3 8.8 t\u1ef7 \u0111\u1ed3ng sau 11 n\u0103m, g\u1ea5p h\u00e0ng ngh\u00ecn l\u1ea7n c\u00e1ch t\u00ednh th\u00f4ng th\u01b0\u1eddng m\u00e0 nhi\u1ec1u ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng. Hi\u1ec7n, Eximbank ch\u01b0a c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t v\u00e0 c\u00e1c kho\u1ea3n ph\u00ed \u00e1p d\u1ee5ng cho kh\u00e1ch h\u00e0ng P.H.A (Qu\u1ea3ng Ninh), ng\u01b0\u1eddi c\u00f3 kho\u1ea3n n\u1ee3 t\u00edn d\u1ee5ng 8.5 tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng th\u00e0nh n\u1ee3 x\u1ea5u 8.8 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Th\u00f4ng tin b\u00e1o ch\u00ed c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y kh\u1eb3ng \u0111\u1ecbnh:\u00a0Ph\u01b0\u01a1ng th\u1ee9c t\u00ednh l\u00e3i, ph\u00ed l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u1ecfa thu\u1eadn gi\u1eefa Eximbank v\u00e0 kh\u00e1ch h\u00e0ng theo h\u1ed3 s\u01a1 m\u1edf th\u1ebb ng\u00e0y 15\/3\/2013 c\u00f3 \u0111\u1ee7 ch\u1eef k\u00fd kh\u00e1ch h\u00e0ng (ph\u00ed, l\u00e3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Bi\u1ec3u ph\u00ed ph\u00e1t h\u00e0nh, s\u1eed d\u1ee5ng th\u1ebb \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u0103ng t\u1ea3i c\u00f4ng khai tr\u00ean website c\u1ee7a Eximbank).<\/p>\n

Theo t\u00ecm hi\u1ec3u c\u1ee7a ph\u00f3ng vi\u00ean b\u00e1o Tin t\u1ee9c, n\u1ebfu t\u00ednh to\u00e1n d\u1ef1a tr\u00ean 2 ph\u01b0\u01a1ng ph\u00e1p (l\u00e3i k\u00e9p v\u00e0 l\u00e3i theo d\u01b0 n\u1ee3 g\u1ed1c) s\u1ebd cho ra c\u00e1c k\u1ebft qu\u1ea3 c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t “ng\u1ee1 ng\u00e0ng” v\u1ec1 s\u1ed1 ti\u1ec1n kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3.<\/p>\n

V\u1edbi c\u00e1ch t\u00ednh l\u00e3i k\u00e9p, d\u01b0 n\u1ee3 g\u1ed1c 8.5 tri\u1ec7u \u0111\u1ed3ng v\u00e0o th\u00e1ng 9\/2013 \u01b0\u1edbc t\u00ednh ch\u1ecbu l\u00e3i su\u1ea5t th\u1ebb 87% m\u1ed9t n\u0103m (g\u1ed3m c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t, ph\u00ed ph\u1ea1t…). Sau \u0111\u00f3, l\u00e3i nh\u1eadp g\u1ed1c v\u00e0 ti\u1ebfp t\u1ee5c b\u1ecb t\u00ednh th\u00eam l\u00e3i su\u1ea5t n\u00e0y. \u0110\u1ebfn th\u00e1ng 9\/2023, d\u01b0 n\u1ee3 kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 l\u00e0 8,8 t\u1ef7 \u0111\u1ed3ng. Trong khi \u0111\u00f3, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng ch\u1ec9 t\u00ednh l\u00e3i su\u1ea5t th\u1ebb tr\u00ean s\u1ed1 n\u1ee3 g\u1ed1c ban \u0111\u1ea7u, \u1edf \u0111\u00e2y l\u00e0 8.5 tri\u1ec7u \u0111\u1ed3ng. C\u0169ng v\u1edbi l\u00e3i su\u1ea5t gi\u1ea3 \u0111\u1ecbnh 87% m\u1ed9t n\u0103m nh\u01b0 t\u1ea1i Eximbank, ti\u1ec1n l\u00e3i v\u00e0 g\u1ed1c kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 t\u1edbi th\u00e1ng 9\/2023 ch\u1ec9 kho\u1ea3ng 90.4 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

\u0110\u01a1n c\u1eed ng\u00e0y 17\/3, m\u1ed9t l\u00e3nh \u0111\u1ea1o c\u1ee7a Agribank \u0111\u00e3 th\u00f4ng tin v\u1ec1 c\u00e1ch t\u00ednh ph\u00ed ch\u1eadm tr\u1ea3 v\u00e0 l\u00e3i qu\u00e1 h\u1ea1n c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng Agribank.\u00a0\u0110\u00f3 l\u00e0 v\u00e0o ng\u00e0y \u0111\u1ebfn h\u1ea1n thanh to\u00e1n, n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng thanh to\u00e1n ho\u1eb7c thanh to\u00e1n kh\u00f4ng \u0111\u1ee7 s\u1ed1 ti\u1ec1n thanh to\u00e1n t\u1ed1i thi\u1ec3u, Agribank s\u1ebd thu ph\u00ed ch\u1eadm tr\u1ea3 t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n thanh to\u00e1n t\u1ed1i thi\u1ec3u ch\u01b0a \u0111\u01b0\u1ee3c thanh to\u00e1n. S\u1ed1 ti\u1ec1n ph\u00ed n\u00e0y \u0111\u01b0\u1ee3c th\u00ea\u0309 hi\u00ea\u0323n tr\u00ean sao k\u00ea k\u1ef3 ti\u1ebfp theo.<\/p>\n

\u201cTr\u01b0\u1eddng h\u1ee3p sau 2 k\u1ef3 sao k\u00ea li\u00ean ti\u1ebfp, v\u00e0o ng\u00e0y \u0111\u1ebfn h\u1ea1n thanh to\u00e1n, n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng thanh to\u00e1n ho\u1eb7c thanh to\u00e1n kh\u00f4ng \u0111\u1ee7 s\u1ed1 ti\u1ec1n thanh to\u00e1n t\u1ed1i thi\u1ec3u, h\u1ec7 th\u1ed1ng Agribank s\u1ebd t\u1ef1 \u0111\u1ed9ng kh\u00f3a th\u1ebb v\u00e0 t\u00ednh l\u00e3i qu\u00e1 h\u1ea1n v\u1edbi l\u00e3i su\u1ea5t b\u1eb1ng 150% l\u00e3i su\u1ea5t cho vay trong h\u1ea1n tr\u00ean to\u00e0n b\u1ed9 d\u01b0 n\u1ee3 g\u1ed1c\u201d, l\u00e3nh \u0111\u1ea1o Agribank cho bi\u1ebft. Nh\u01b0 v\u1eady, ng\u00e2n h\u00e0ng n\u00e0y ch\u1ec9 t\u00ednh l\u00e3i ti\u1ec1n vay tr\u00ean d\u1ef1 n\u1ee3 g\u1ed1c. L\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n \u0111\u01b0\u1ee3c t\u00ednh theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t cho vay trong h\u1ea1n (19.5%\/n\u0103m) tr\u00ean d\u1ef1 n\u1ee3 g\u1ed1c (kh\u00f4ng bao g\u1ed3m l\u00e3i, ph\u00ed).<\/p>\n

\u201cV\u1edbi tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng c\u00f3 d\u01b0 n\u1ee3 l\u00e0 8.5 tri\u1ec7u \u0111\u1ed3ng theo c\u00e1ch t\u00ednh c\u1ee7a Agribank l\u00e3i qu\u00e1 h\u1ea1n sau 11 n\u0103m c\u1ee7a Agribank s\u1ebd l\u00e0 8.5 tri\u1ec7u \u0111\u1ed3ng x 19.5% x 11 n\u0103m = 18,349,670 \u0111\u1ed3ng\u201d, \u0111\u1ea1i di\u1ec7n Agribank kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean b\u00e1o Tin t\u1ee9c, chuy\u00ean gia kinh t\u1ebf, PGS TS \u0110inh Tr\u1ecdng Th\u1ecbnh cho r\u1eb1ng: \u201cCon s\u1ed1 d\u01b0 n\u1ee3 8.8 t\u1ef7 \u0111\u1ed3ng cao b\u1ea5t th\u01b0\u1eddng\u201d. Vi\u1ec7c d\u1eabn \u0111\u1ebfn d\u01b0 n\u1ee3 nh\u01b0 v\u1eady ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 ng\u00e2n h\u00e0ng \u0111\u00e3 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t k\u00e9p, t\u1ee9c t\u00ednh l\u00e3i tr\u00ean g\u1ed1c d\u1ed3n l\u00e3i thay v\u00ec theo s\u1ed1 g\u1ed1c n\u1ee3 chi ti\u00eau ban \u0111\u1ea7u (8.5 tri\u1ec7u \u0111\u1ed3ng).<\/p>\n

Ph\u00e2n t\u00edch v\u1edbi ph\u00f3ng vi\u00ean b\u00e1o Tin t\u1ee9c chi\u1ec1u 17\/3, 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>\u00a0cho r\u1eb1ng: Theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, l\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c. Khi c\u1ed9ng th\u00eam l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n, c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 30%\/n\u0103m. C\u00f2n theo B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1, tr\u01b0\u1eddng h\u1ee3p cho vay v\u1edbi l\u00e3i su\u1ea5t tr\u00ean 100% l\u00e0 ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng.<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0cho r\u1eb1ng: L\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 th\u1ec3 b\u1eb1ng ho\u1eb7c th\u1ea5p h\u01a1n tr\u1ea7n l\u00e3i su\u1ea5t n\u00f3i chung. V\u00ed d\u1ee5, ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 4%\/n\u0103m theo Quy\u1ebft \u0111\u1ecbnhh s\u1ed1 1125\/Q\u0110-NHNN ng\u00e0y 16\/6\/2023 khi cho vay \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 5 l\u0129nh v\u1ef1c, ng\u00e0nh kinh t\u1ebf \u01b0u ti\u00ean. Nh\u01b0ng quy \u0111\u1ecbnh n\u00e0y c\u0169ng kh\u00f4ng kh\u1ea3 thi v\u00ec “b\u1eaft” cho vay v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n c\u1ea3 huy \u0111\u1ed9ng.<\/em><\/p>\n

Tuy nhi\u00ean, tr\u1ea7n 20% nh\u01b0 tr\u00ean l\u1ea1i b\u1ecb gi\u1ea3i th\u00edch m\u1ed9t c\u00e1ch r\u1ea5t b\u1ea5t h\u1ee3p l\u00fd r\u1eb1ng, kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u00e0nh Ng\u00e2n h\u00e0ng. Do v\u1eady theo \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>, l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 l\u00ean t\u1edbi b\u1ea5t k\u1ef3 con s\u1ed1 n\u00e0o m\u00e0 kh\u00f4ng b\u1ecb coi l\u00e0 tr\u00e1i lu\u1eadt. Ti\u1ebfp \u0111\u00f3, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n thay v\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c c\u1ed9ng th\u00eam t\u1ed1i \u0111a 10% nh\u01b0 quy \u0111\u1ecbnh chung, th\u00ec l\u1ea1i b\u1eb1ng 150% l\u00e3i su\u1ea5t trong h\u1ea1n.\u00a0<\/em><\/p>\n

\u201cL\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng n\u00f3i chung, cho vay qua th\u1ebb t\u00edn d\u1ee5ng n\u00f3i ri\u00eang, lu\u00f4n r\u1ea5t cao, nh\u1ea5t l\u00e0 khi b\u1ecb qu\u00e1 h\u1ea1n. V\u1edbi tr\u01b0\u1eddng h\u1ee3p Eximbank, c\u00f3 th\u1ec3 h\u1ecd \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t k\u00e9p, c\u1ed9ng g\u1ed9p, c\u1ed9ng d\u1ed3n, nh\u1eadp l\u00e3i v\u00e0o g\u1ed1c hay th\u01b0\u1eddng g\u1ecdi l\u00e0 \u2018l\u00e3i m\u1eb9 \u0111\u1ebb l\u00e3i con\u2019, t\u00ednh theo t\u1eebng th\u00e1ng n\u00ean vi\u1ec7c nh\u1ea3y t\u1eeb 8.5 tri\u1ec7u \u0111\u1ed3ng l\u00ean 8.8 t\u1ef7 \u0111\u1ed3ng l\u00e0 ho\u00e0n to\u00e0n c\u00f3 th\u1ec3, n\u1ebfu \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n kho\u1ea3ng 70%\/n\u0103m\u201d, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0nh\u1eadn \u0111\u1ecbnh.<\/em><\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/span><\/a> ANVI<\/span><\/a><\/strong> cho r\u1eb1ng: \u0110\u1ed1i v\u1edbi b\u00ean ngo\u00e0i ng\u00e0nh Ng\u00e2n h\u00e0ng, n\u1ebfu cho vay v\u01b0\u1ee3t qu\u00e1 tr\u1ea7n l\u00e3i su\u1ea5t 20% l\u00e0 vi ph\u1ea1m, \u00e1p d\u1ee5ng l\u00e3i qu\u00e1 h\u1ea1n qu\u00e1 30%, k\u1ec3 c\u1ea3 t\u00ednh l\u00e3i nh\u1eadp g\u1ed1c, c\u0169ng l\u00e0 vi ph\u1ea1m, c\u00f2n t\u00ednh l\u00ean \u0111\u1ebfn 100% th\u00ec c\u00f3 khi b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1. Tuy nhi\u00ean, to\u00e0n b\u1ed9 \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u00e0nh Ng\u00e2n h\u00e0ng. Do v\u1eady, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 cho vay v\u1edbi l\u00e3i su\u1ea5t 100%, thu l\u00e3i qu\u00e1 h\u1ea1n 150%\/n\u0103m v\u00e0 \u0111\u1eb7c bi\u1ec7t t\u00ednh l\u00e3i nh\u1eadp g\u1ed1c l\u00ean \u0111\u1ebfn c\u1ea3 ngh\u00ecn %\/n\u0103m v\u1eabn kh\u00f4ng tr\u00e1i lu\u1eadt.<\/em><\/p>\n

“N\u0103m 1997 \u0111\u00e3 t\u1eebng c\u00f3 quy \u0111\u1ecbnh, cho vay b\u00ean ngo\u00e0i ng\u00e0nh Ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eadp l\u00e3i v\u00e0o g\u1ed1c 1 l\u1ea7n, c\u00f2n \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng th\u00ec t\u1eeb x\u01b0a \u0111\u1ebfn nay ch\u01b0a t\u1eebng b\u1ecb gi\u1edbi h\u1ea1n. N\u00ean c\u1ee9 l\u00fd lu\u1eadn kh\u00f4ng tr\u00e1i lu\u1eadt, th\u1eadm ch\u00ed ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 nh\u1eadp l\u00e3i v\u00e0o g\u1ed1c h\u1eb1ng ng\u00e0y v\u00e0 con s\u1ed1 8.8 t\u1ef7 \u0111\u1ed3ng n\u00eau tr\u00ean c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 13 t\u1ef7 \u0111\u1ed3ng. Vi\u1ec7c kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu chi ph\u00ed l\u00e3i su\u1ea5t, l\u00e3i ph\u1ea1t, v\u00e0 c\u00e1c lo\u1ea1i ph\u00ed nh\u01b0 th\u1ebf n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng cho vay hay s\u1eed d\u1ee5ng th\u1ebb. Tuy nhi\u00ean nhi\u1ec1u khi kh\u00e1ch h\u00e0ng c\u0169ng kh\u00f4ng \u0111\u1ecdc, ho\u1eb7c \u0111\u1ecdc c\u0169ng kh\u00f4ng hi\u1ec3u\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0cho bi\u1ebft.<\/em><\/p>\n

Tr\u1ea3 l\u1eddi ph\u1ecfng v\u1ea5n b\u00e1o Tin t\u1ee9c, lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0 – Ch\u1ee7 t\u1ecbch C\u00f4ng ty lu\u1eadt SBLAW cho r\u1eb1ng: \u201cV\u1ea5n \u0111\u1ec1 l\u00e0 2 b\u00ean ch\u01b0a t\u00ecm \u0111\u01b0\u1ee3c ti\u1ebfng n\u00f3i chung \u0111\u1ec3 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p.\u00a0B\u00ean c\u1ea1nh \u0111\u00f3 c\u0169ng c\u00f2n nhi\u1ec1u v\u1ea5n \u0111\u1ec1 t\u1ed3n \u0111\u1ecdng c\u1ea7n c\u01a1 quan ch\u1ee9c n\u0103ng v\u00e0o l\u00e0m r\u00f5, th\u1eadm ch\u00ed l\u00e0 c\u01a1 quan \u0111i\u1ec1u tra c\u0169ng c\u00f3 th\u1ec3 v\u00e0o cu\u1ed9c b\u1edfi 8,8 t\u1ef7 \u0111\u1ed3ng l\u00e0 s\u1ed1 ti\u1ec1n l\u1edbn. Quan tr\u1ecdng l\u00e0 m\u1ee9c l\u00e3i ph\u00e1t sinh ch\u1ec9 t\u1eeb m\u1ed9t kho\u1ea3n n\u1ee3 t\u00edn d\u1ee5ng g\u1ea7n 9 tri\u1ec7u \u0111\u1ed3ng\u201d.<\/p>\n

Theo \u00f4ng Nguy\u1ec5n Thanh H\u00e0, v\u1ea5n \u0111\u1ec1 l\u00e3i v\u00e0 c\u00e1ch t\u00ednh l\u00e3i r\u1ea5t quan tr\u1ecdng v\u00ec kh\u00e1ch h\u00e0ng s\u1ebd y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng ph\u1ea3i gi\u1ea3i th\u00edch v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i, c\u00e1c giao d\u1ecbch \u0111\u00e3 ph\u00e1t sinh. Ngo\u00e0i ra, c\u0169ng c\u1ea7n l\u00e0m r\u00f5, v\u00ec sao kho\u1ea3n n\u1ee3 n\u00e0y l\u1ea1i k\u00e9o d\u00e0i?\u00a0phi\u0301a ng\u00e2n h\u00e0ng c\u00f3 \u0111\u1ed1c th\u00fac tr\u1ea3 n\u1ee3, th\u00f4ng b\u00e1o d\u01b0 n\u1ee3 th\u01b0\u1eddng xuy\u00ean hay kh\u00f4ng? V\u1ee5 vi\u1ec7c c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

\u0110\u00e2y c\u0169ng l\u00e0 t\u00e2m \u0111i\u1ec3m c\u1ee7a d\u01b0 lu\u1eadn, c\u1ea7n \u0111\u01b0\u1ee3c l\u00e0m r\u00f5 \u0111\u1ec3 tr\u00e1nh g\u00e2y hoang mang, g\u00e2y\u00a0\u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng Eximbank n\u00f3i ri\u00eang v\u00e0 h\u1ec7 th\u00f4ng ng\u00e2n h\u00e0ng tr\u00ean c\u1ea3 n\u01b0\u1edbc n\u00f3i chung.<\/p>\n

C\u1ea7n l\u00e0m r\u00f5 vai tr\u00f2 c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng li\u00ean quan<\/strong><\/h5>\n

\u0110\u1ec1 c\u1eadp vi\u1ec7c kh\u00e1ch h\u00e0ng P.H.A kh\u1eb3ng \u0111\u1ecbnh: H\u1ecd kh\u00f4ng d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng chi ti\u00eau v\u00e0 chia s\u1ebb, th\u00e1ng 3\/2013 c\u00f3 nh\u1edd nh\u00e2n vi\u00ean t\u00ean G. l\u00e0m vi\u1ec7c t\u1ea1i chi nh\u00e1nh Eximbank \u1edf Qu\u1ea3ng Ninh l\u00e0m th\u1ebb t\u00edn d\u1ee5ng, nh\u01b0ng th\u1ef1c t\u1ebf sau \u0111\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn th\u1ebb t\u00edn d\u1ee5ng n\u00e0y.<\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0 cho r\u1eb1ng: \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a nh\u00e2n vi\u00ean G \u1edf \u0111\u00e2y r\u1ea5t l\u1edbn. C\u1ea7n l\u00e0m r\u00f5 c\u00f3 hay kh\u00f4ng c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng, v\u00e0 c\u00e1c h\u00e0nh vi ph\u1ea1m quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1? N\u1ebfu c\u00f3 c\u0103n c\u1ee9 \u0111\u1ec3 c\u01a1 quan \u0111i\u1ec1u tra k\u1ebft lu\u1eadn nh\u00e2n vi\u00ean G c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a h\u00e0nh vi l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n xu\u1ea5t th\u00ec s\u1ebd b\u1ecb x\u1eed l\u00fd theo ch\u1ebf t\u00e0i quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1 n\u0103m 2015 (s\u1eeda \u0111\u1ed5i b\u1ed5 sung n\u0103m 2017)…<\/p>\n

Ngo\u00e0i c\u00e2u chuy\u1ec7n l\u00e3i su\u1ea5t, d\u01b0 lu\u1eadn c\u0169ng th\u1eafc m\u1eafc v\u00ec sao ng\u00e2n h\u00e0ng l\u1ea1i \u0111\u1ec3 m\u1ed9t m\u00f3n n\u1ee3 nh\u1ecf k\u00e9o d\u00e0i \u0111\u1ebfn t\u1eadn 11 n\u0103m? \u201cTh\u00f4ng th\u01b0\u1eddng c\u00e1c ng\u00e2n h\u00e0ng sau khi chuy\u1ec3n th\u00e0nh n\u1ee3 x\u1ea5u th\u00ec s\u1ebd ph\u1ea3i t\u00ecm m\u1ecdi bi\u1ec7n ph\u00e1p \u0111\u1ec3 x\u1eed l\u00fd nh\u01b0 ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, b\u00e1n n\u1ee3, kh\u1edfi ki\u1ec7n v\u00e0 t\u1ea5t to\u00e1n, xo\u00e1 n\u1ee3 n\u1ebfu nh\u01b0 kh\u00f4ng th\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c, ch\u1ee9 kh\u00f4ng \u0111\u1ec3 d\u1ec1nh dang t\u1edbi 11 n\u0103m nh\u01b0 v\u1eady\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0chia s\u1ebb.<\/em><\/p>\n

Theo nhi\u1ec1u chuy\u00ean gia ng\u00e2n h\u00e0ng, vay ti\u00eau d\u00f9ng qua th\u1ebb t\u00edn d\u1ee5ng c\u00f3 nhi\u1ec1u \u01b0u \u0111i\u1ec3m nh\u01b0 thu\u1eadn ti\u1ec7n, \u0111\u01a1n gi\u1ea3n, k\u1ecbp th\u1eddi,\u2026 \u0110\u1ec3 thu h\u00fat ng\u01b0\u1eddi s\u1eed d\u1ee5ng, ng\u00e2n h\u00e0ng th\u01b0\u1eddng ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng k\u00e8m r\u1ea5t nhi\u1ec1u ch\u00ednh s\u00e1ch h\u1ea5p d\u1eabn. Tuy nhi\u00ean, kh\u00e1ch h\u00e0ng c\u1ea7n l\u01b0u \u00fd, d\u1ec5 chi ti\u00eau qu\u00e1 \u0111\u00e0, nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi h\u00ecnh th\u1ee9c vay n\u00e0y bao gi\u1edd cao h\u01a1n, \u0111\u1eb7c bi\u1ec7t\u00a0l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n b\u1edfi ng\u00e2n h\u00e0ng ph\u1ea3i d\u1ef1 ph\u00f2ng ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro h\u01a1n.<\/em><\/p>\n

N\u00f3i chung, v\u1edbi ng\u01b0\u1eddi d\u00f9ng, quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i ch\u1ee7 \u0111\u1ed9ng \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, bi\u1ebft r\u00f5 h\u1eadu qu\u1ea3 n\u1ebfu \u0111\u1ec3 qu\u00e1 h\u1ea1n, h\u00ecnh dung \u0111\u01b0\u1ee3c m\u1eb7t tr\u00e1i \u0111\u1ec3 tr\u00e1nh r\u01a1i v\u00e0o b\u1eaby n\u1ee3. N\u1ebfu kh\u00f4ng may ph\u00e1t sinh nh\u1eefng r\u1eafc r\u1ed1i, tranh ch\u1ea5p, k\u1ec3 c\u1ea3 khi kh\u00f4ng d\u00f9ng th\u1ebb m\u00e0 v\u1eabn b\u1ecb ghi n\u1ee3, th\u00ec ph\u1ea3i nhanh ch\u00f3ng x\u1eed l\u00fd. N\u1ebfu kh\u00f4ng tho\u1ea3 thu\u1eadn \u0111\u01b0\u1ee3c v\u1edbi ng\u00e2n h\u00e0ng, ph\u1ea3i kh\u1edfi ki\u1ec7n ho\u1eb7c tr\u00ecnh b\u00e1o cho c\u01a1 quan \u0111\u1ec3 gi\u1ea3i quy\u1ebft, ch\u1ee9 kh\u00f4ng n\u00ean th\u1edd \u01a1, b\u1ecf m\u1eb7c.<\/em><\/p>\n

“Th\u00eam n\u1eefa, c\u0169ng c\u1ea7n l\u01b0u \u00fd, kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c, s\u1ebd r\u01a1i v\u00e0o danh s\u00e1ch ‘\u0111en’, c\u00f3 n\u1ee3 x\u1ea5u, s\u1ebd b\u1ecb l\u01b0u v\u1ebft, m\u1ea5t uy t\u00edn, m\u1ea5t \u0111i\u1ec3m t\u00edn d\u1ee5ng, kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n t\u00edn d\u1ee5ng”, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0khuy\u1ebfn c\u00e1o.<\/em><\/p>\n

Minh Ph\u01b0\u01a1ng\/B\u00e1o Tin t\u1ee9c<\/strong><\/p>\n

—————<\/p>\n

Tin<\/em><\/strong> t\u1ee9c<\/em><\/strong> (Kinh<\/em><\/strong> t\u1ebf<\/em><\/strong>) ng\u00e0y <\/em><\/strong>17-3<\/em><\/strong>-2024:<\/em><\/strong><\/p>\n

https:\/\/baotintuc.vn\/tai-chinh-ngan-hang\/no-the-tin-dung-85-trieu-thanh-no-xau-88-ty-dong-ban-khoan-tinh-lai-kep-va-lai-theo-du-no-goc-20240317172532069.htm<\/a><\/em><\/p>\n

(<\/em>838\/1.948<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

\u2018N\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 8.5 tri\u1ec7u th\u00e0nh n\u1ee3 x\u1ea5u 8.8 t\u1ef7 \u0111\u1ed3ng\u2019: B\u0103n kho\u0103n t\u00ednh l\u00e3i k\u00e9p v\u00e0 l\u00e3i theo d\u01b0 n\u1ee3 g\u1ed1c (TT) – V\u1ee5 ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a Eximbank t\u1ea1i Qu\u1ea3ng Ninh \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ph\u1ea3i tr\u1ea3 h\u01a1n 8 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n l\u00e3i qu\u00e1 h\u1ea1n cho s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c h\u01a1n 8 […]<\/p>\n","protected":false},"author":2,"featured_media":39187,"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-39186","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":"\n4.255. \u2018N\u1ee3 th\u1ebb t\u00edn d\u1ee5ng 8.5 tri\u1ec7u th\u00e0nh n\u1ee3 x\u1ea5u 8.8 t\u1ef7 \u0111\u1ed3ng\u2019: B\u0103n kho\u0103n t\u00ednh l\u00e3i k\u00e9p v\u00e0 l\u00e3i theo d\u01b0 n\u1ee3 g\u1ed1c - 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