{"id":39215,"date":"2024-03-18T22:06:54","date_gmt":"2024-03-18T15:06:54","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39215"},"modified":"2024-10-04T15:44:45","modified_gmt":"2024-10-04T08:44:45","slug":"3-694-vay-855-trieu-sau-11-nam-thanh-no-883-ti-dong-diem-sai-cua-eximbank","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-694-vay-855-trieu-sau-11-nam-thanh-no-883-ti-dong-diem-sai-cua-eximbank\/","title":{"rendered":"3.694. Vay 8.55 tri\u1ec7u sau 11 n\u0103m th\u00e0nh n\u1ee3 8.83 t\u1ec9 \u0111\u1ed3ng, \u0111i\u1ec3m sai c\u1ee7a Eximbank"},"content":{"rendered":"

Vay 8.55 tri\u1ec7u sau 11 n\u0103m th\u00e0nh n\u1ee3 8.83 t\u1ec9 \u0111\u1ed3ng, \u0111i\u1ec3m sai c\u1ee7a Eximbank<\/span><\/h4>\n
(L\u0110) – <\/strong>D\u00f9 c\u00e1ch t\u00ednh n\u1ee3 \u0111\u00fang, nh\u01b0ng chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng ch\u1ec9 ra nhi\u1ec1u \u0111i\u1ec3m sai “tai h\u1ea1i” khi\u1ebfn\u00a0Eximbank\u00a0m\u1ea5t nhi\u1ec1u h\u01a1n \u0111\u01b0\u1ee3c.<\/strong><\/h5>\n

\"8.55<\/p>\n

N\u1ee3 8.55 tri\u1ec7u th\u00e0nh 8.83 t\u1ec9 \u0111\u1ed3ng, chuy\u00ean gia ch\u1ec9 c\u00e1i sai tai h\u1ea1i c\u1ee7a Eximbank.<\/p>\n

C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i kh\u00f4ng sai<\/strong><\/p>\n

Nh\u01b0 \u0111\u00e3 th\u00f4ng tin, \u00f4ng Ph\u1ea1m Huy Anh (Qu\u1ea3ng Ninh) \u0111\u01b0\u1ee3c C\u00f4ng ty TNHH MTV Qu\u1ea3n l\u00fd n\u1ee3 v\u00e0 khai th\u00e1c t\u00e0i s\u1ea3n – Ng\u00e2n h\u00e0ng TMCP Xu\u1ea5t nh\u1eadp kh\u1ea9u Vi\u1ec7t Nam (Eximbank AMC) th\u00f4ng b\u00e1o kho\u1ea3n n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng tr\u1ecb gi\u00e1 tr\u00ean 8.8 t\u1ec9 \u0111\u1ed3ng, trong \u0111\u00f3 n\u1ee3 g\u1ed1c ch\u1ec9 8.5 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi Lao \u0110\u1ed9ng, TS Ch\u00e2u \u0110\u00ecnh Linh – Gi\u1ea3ng vi\u00ean \u0110\u1ea1i h\u1ecdc Ng\u00e2n h\u00e0ng TPHCM – cho bi\u1ebft th\u1ebb t\u00edn d\u1ee5ng v\u1edbi nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n l\u00e0 mua tr\u01b0\u1edbc tr\u1ea3 sau.<\/p>\n

Khi kh\u00e1ch h\u00e0ng ch\u1eadm tr\u1ea3 ti\u1ec1n vay, kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 m\u1ed9t kho\u1ea3n ph\u00ed ph\u1ea1t. \u0110\u00e2y l\u00e0 th\u1ecfa thu\u1eadn v\u1ec1 th\u1ebb t\u00edn d\u1ee5ng \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1eddi d\u00f9ng.<\/p>\n

Ph\u1ea7n ph\u00ed ph\u1ea1t ch\u1eadm tr\u1ea3 v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm thanh to\u00e1n s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o m\u1ed7i ng\u00e2n h\u00e0ng nh\u01b0ng l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Ph\u1ea7n l\u00e3i n\u00e0y n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1ea3 s\u1ebd nh\u1eadp v\u00e0o g\u1ed1c v\u00e0 ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c t\u00ednh trong k\u1ef3 ti\u1ebfp theo. \u0110\u00e2y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 l\u00e3i k\u00e9p. V\u00ec v\u1eady s\u1ed1 ti\u1ec1n tr\u1ea3 cu\u1ed1i c\u00f9ng r\u1ea5t cao.<\/p>\n

“Ta c\u00f3: c\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t k\u00e9p ng\u00e2n h\u00e0ng c\u01a1 b\u1ea3n h\u00e0ng n\u0103m nh\u01b0 sau:\u00a0FV = PV*(1 + i)^n<\/strong><\/p>\n

C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i k\u00e9p theo th\u00e1ng l\u00e0:\u00a0FV = PV (1+i\/12) ^ (12 x n)<\/strong><\/p>\n

Trong \u0111\u00f3:<\/em><\/p>\n

FV (Future Value \u2013 gi\u00e1 tr\u1ecb trong t\u01b0\u01a1ng lai) l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c trong t\u01b0\u01a1ng lai.<\/em><\/p>\n

P = PV (Present Value \u2013 gi\u00e1 tr\u1ecb trong hi\u1ec7n t\u1ea1i) l\u00e0 s\u1ed1 ti\u1ec1n g\u1ed1c b\u1ea1n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u.<\/em><\/p>\n

r l\u00e0 l\u00e3i su\u1ea5t h\u1eb1ng n\u0103m.<\/em><\/p>\n

n l\u00e0 s\u1ed1 chu k\u1ef3 th\u1ef1c hi\u1ec7n l\u00e3i k\u00e9p.<\/em><\/p>\n

Kho\u1ea3ng th\u1eddi gian n\u1ee3 l\u00ean t\u1edbi 11 n\u0103m, nh\u00ecn \u1edf g\u00f3c \u0111\u1ed9 t\u00e0i ch\u00ednh, vi\u1ec7c t\u00ednh l\u00e3i l\u00e0 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p. V\u1edbi c\u00f4ng th\u1ee9c t\u00ednh nh\u01b0 tr\u00ean n\u00ean kho\u1ea3n n\u1ee3 \u0111\u00e3 l\u00ean \u0111\u1ebfn con s\u1ed1 kh\u1ee7ng khi\u1ebfp nh\u01b0 v\u1eady” – TS Linh cho bi\u1ebft.<\/p>\n

C\u00f9ng chia s\u1ebb v\u1edbi Lao \u0110\u1ed9ng, 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> – c\u0169ng c\u00f3 c\u00f9ng nh\u1eadn \u0111\u1ecbnh: “V\u1edbi v\u1ee5 Eximbank, c\u00f3 th\u1ec3 ng\u00e2n h\u00e0ng \u0111\u00e3 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t k\u00e9p, c\u1ed9ng g\u1ed9p, nh\u1eadp l\u00e3i v\u00e0o g\u1ed1c, 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\u1ec9 \u0111\u1ed3ng l\u00e0 ho\u00e0n to\u00e0n c\u00f3 th\u1ec3, n\u1ebfu l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n kho\u1ea3ng 70%\/n\u0103m”.<\/em><\/p>\n

“Quy tr\u00ecnh x\u1eed l\u00fd n\u1ee3 c\u00f3 v\u1ea5n \u0111\u1ec1”<\/strong><\/p>\n

C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i v\u00e0 ph\u00ed ph\u1ea1t c\u1ee7a Eximbank c\u00f3 th\u1ec3 kh\u00f4ng sai nh\u01b0ng kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 Eximbank ho\u00e0n to\u00e0n \u0111\u00fang.<\/p>\n

TS Ch\u00e2u \u0110\u00ecnh Linh cho bi\u1ebft, \u1edf g\u00f3c \u0111\u1ed9 ng\u00e2n h\u00e0ng, \u0111i\u1ec3m sai c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean \u0111\u00f3 l\u00e0 v\u1ec1 quy tr\u00ecnh m\u1edf th\u1ebb; ti\u1ebfp theo l\u00e0 quy tr\u00ecnh nh\u1eafc n\u1ee3, v\u00e0 c\u00e1ch x\u1eed l\u00fd n\u1ee3 qu\u00e1 h\u1ea1n khi ph\u00e2n lo\u1ea1i n\u1ee3.<\/p>\n

Theo TS Linh, th\u00f4ng th\u01b0\u1eddng khi m\u1ed9t kh\u00e1ch h\u00e0ng ch\u1eadm tr\u1ea3 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c c\u00f3 tin nh\u1eafn, th\u00f4ng b\u00e1o g\u1eedi v\u1ec1 cho kh\u00e1ch h\u00e0ng \u0111\u1ec3 nh\u1eafc n\u1ee3. “Th\u1eadm ch\u00ed, n\u1ee3 nh\u1ea3y sang nh\u00f3m 2, ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u1ea3i c\u00f3 can thi\u1ec7p r\u1ed1t r\u00e1o ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u1ec3 \u0111\u1ebfn 11 n\u0103m v\u00e0 \u0111\u1ea9y thi\u1ec7t h\u1ea1i cho ch\u1ee7 th\u1ebb” – TS Linh n\u00f3i.<\/p>\n

“Th\u1ebb t\u00edn d\u1ee5ng c\u0169ng c\u00f3 ph\u00e2n lo\u1ea1i n\u1ee3 theo t\u1eebng nh\u00f3m, m\u1ed7i nh\u00f3m n\u1ee3 ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng v\u00e0 s\u1ebd c\u00f3 bi\u1ec7n ph\u00e1p can thi\u1ec7p v\u00e0 x\u1eed l\u00fd n\u1ee3 k\u1ecbp th\u1eddi, kh\u00f4ng c\u00f3 l\u00fd g\u00ec Eximbank \u0111\u1ec3 \u0111\u1ebfn t\u1eadn 11 n\u0103m nh\u01b0 v\u1eady. V\u1eady c\u00f3 ngh\u0129a l\u00e0 quy tr\u00ecnh x\u1eed l\u00fd n\u1ee3 c\u1ee7a Eximbank c\u00f3 v\u1ea5n \u0111\u1ec1, v\u01b0\u1edbng trong c\u00e1ch ti\u1ebfp c\u1eadn khi thu h\u1ed3i n\u1ee3. \u0110\u00e2y l\u00e0 c\u00e1i sai c\u1ee7a Eximbank.<\/p>\n

V\u1ea5n \u0111\u1ec1 Eximbank \u0111ang g\u1eb7p ph\u1ea3i l\u00e0 kh\u1ee7ng ho\u1ea3ng truy\u1ec1n th\u00f4ng. Ng\u00e2n h\u00e0ng g\u1eafn li\u1ec1n v\u1edbi uy t\u00edn, g\u1eafn li\u1ec1n v\u1edbi l\u00f2ng tin. Vi\u1ec7c \u0111\u1ec3 x\u1ea3y ra v\u1ee5 vi\u1ec7c l\u1ea7n n\u00e0y, uy t\u00edn c\u1ee7a Eximbank b\u1ecb t\u1ed5n h\u1ea1i r\u1ea5t l\u1edbn. \u0110\u00e1ng l\u1ebd Eximbank c\u1ea7n ph\u1ea3i x\u1eed l\u00fd m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u00e1c b\u00ean c\u00f3 li\u00ean quan.<\/p>\n

Qua v\u1ee5 vi\u1ec7c l\u1ea7n n\u00e0y, Eximbank c\u1ea7n xem l\u1ea1i qu\u00e1 tr\u00ecnh thu h\u1ed3i n\u1ee3, sao cho v\u1eb9n to\u00e0n cho c\u1ea3 \u0111\u00f4i b\u00ean” – TS Linh di\u1ec5n gi\u1ea3i.<\/p>\n

C\u00f9ng quan \u0111i\u1ec3m, Lu\u1eadt s\u01b0 \u0110\u1ee9c cho bi\u1ebft, th\u00f4ng th\u01b0\u1eddng ng\u00e2n h\u00e0ng sau khi chuy\u1ec3n th\u00e0nh n\u1ee3 x\u1ea5u 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, x\u00f3a n\u1ee3.<\/em><\/p>\n

“Ng\u00e2n h\u00e0ng Eximbank \u0111\u00e3 \u0111\u1ec3 d\u1ec1nh d\u00e0ng t\u1edbi 11 n\u0103m” – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a> n\u00f3i.<\/em><\/p>\n

Eximbank kh\u00f3 kh\u1edfi ki\u1ec7n kh\u00e1ch h\u00e0ng<\/em><\/strong><\/p>\n

Ti\u1ebfn s\u0129 lu\u1eadt \u0110\u1eb7ng V\u0103n C\u01b0\u1eddng – \u0110o\u00e0n Lu\u1eadt s\u01b0 H\u00e0 N\u1ed9i cho bi\u1ebft, \u0111\u00e2y l\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1 n\u00ean n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ed3ng \u00fd v\u1edbi c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t c\u1ee7a Ng\u00e2n h\u00e0ng Eximbank, m\u1ed9t trong c\u00e1c b\u00ean c\u00f3 quy\u1ec1n \u0111\u1ec1 ngh\u1ecb t\u00f2a \u00e1n gi\u1ea3i quy\u1ebft theo th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1.<\/em><\/p>\n

Lu\u1eadt s\u01b0 C\u01b0\u1eddng cho bi\u1ebft, theo \u0110i\u1ec1u 429 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ec3 y\u00eau c\u1ea7u t\u00f2a \u00e1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng l\u00e0 3 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y ng\u01b0\u1eddi c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u bi\u1ebft ho\u1eb7c ph\u1ea3i bi\u1ebft quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh b\u1ecb x\u00e2m ph\u1ea1m.<\/em><\/p>\n

N\u1ebfu trong th\u1eddi h\u1ea1n 3 n\u0103m khi m\u00e0 ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 n\u1ee3, b\u00ean cho vay kh\u00f4ng nh\u1eafc n\u1ee3, kh\u00f4ng kh\u1edfi ki\u1ec7n \u0111\u1ebfn t\u00f2a \u00e1n \u0111\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t gi\u1ea3i quy\u1ebft trong th\u1eddi h\u1ea1n n\u00e0y, \u0111\u1ebfn nay \u0111\u00e3 h\u1ebft th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n, ng\u00e2n h\u00e0ng c\u00f3 kh\u1edfi ki\u1ec7n c\u00f3 th\u1ec3 t\u00f2a \u00e1n c\u0169ng kh\u00f4ng gi\u1ea3i quy\u1ebft.<\/em><\/p>\n

Minh<\/strong> \u00c1nh<\/strong><\/p>\n

————-<\/em><\/p>\n

Lao<\/em><\/strong> \u0111\u1ed9ng<\/em><\/strong> (Kinh<\/em><\/strong> doanh<\/em><\/strong>) ng\u00e0y <\/em><\/strong>18-3<\/em><\/strong>-2024:<\/em><\/strong><\/p>\n

https:\/\/laodong.vn\/kinh-doanh\/vay-855-trieu-sau-11-nam-thanh-no-883-ti-dong-diem-sai-cua-eximbank-1316583.ldo<\/a> <\/em><\/p>\n

(<\/em>131\/1.006<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Vay 8.55 tri\u1ec7u sau 11 n\u0103m th\u00e0nh n\u1ee3 8.83 t\u1ec9 \u0111\u1ed3ng, \u0111i\u1ec3m sai c\u1ee7a Eximbank (L\u0110) – D\u00f9 c\u00e1ch t\u00ednh n\u1ee3 \u0111\u00fang, nh\u01b0ng chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng ch\u1ec9 ra nhi\u1ec1u \u0111i\u1ec3m sai “tai h\u1ea1i” khi\u1ebfn\u00a0Eximbank\u00a0m\u1ea5t nhi\u1ec1u h\u01a1n \u0111\u01b0\u1ee3c. N\u1ee3 8.55 tri\u1ec7u th\u00e0nh 8.83 t\u1ec9 \u0111\u1ed3ng, chuy\u00ean gia ch\u1ec9 c\u00e1i sai tai h\u1ea1i […]<\/p>\n","protected":false},"author":2,"featured_media":39216,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[50,36],"class_list":["post-39215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.694. 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