{"id":43802,"date":"2024-11-16T08:57:56","date_gmt":"2024-11-16T01:57:56","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=43802"},"modified":"2024-11-27T06:46:18","modified_gmt":"2024-11-26T23:46:18","slug":"4-391-bay-nan-nhan-voi-mieng-moi-lai-suat-cao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-392-bay-nan-nhan-voi-mieng-moi-lai-suat-cao\/","title":{"rendered":"4.392. B\u1eaby n\u1ea1n nh\u00e2n v\u1edbi ‘mi\u1ebfng m\u1ed3i’ l\u00e3i su\u1ea5t cao."},"content":{"rendered":"

B\u1eaby n\u1ea1n nh\u00e2n v\u1edbi ‘mi\u1ebfng m\u1ed3i’ l\u00e3i su\u1ea5t cao.<\/strong><\/span><\/h4>\n
(TT) – V\u1ee5 GFDI \u1edf \u0110\u00e0 N\u1eb5ng v\u1eeba b\u1ecb \u0111\u1ed5 b\u1ec3 v\u1edbi kho\u1ea3ng 3.700 t\u1ec9 \u0111\u1ed3ng t\u1eeb h\u01a1n 7.500 n\u1ea1n nh\u00e2n, m\u1ed9t l\u1ea7n n\u1eefa cho th\u1ea5y “mi\u1ebfng m\u1ed3i” l\u00e3i su\u1ea5t cao, \u0111\u01b0\u1ee3c kh\u00f4ng \u00edt doanh nghi\u1ec7p v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng l\u1eeba \u0111\u1ea3o gi\u0103ng ra, d\u00f9 kh\u00f4ng m\u1edbi nh\u01b0ng \u0111\u01b0a nhi\u1ec1u n\u1ea1n nh\u00e2n v\u00e0o tr\u00f2ng.<\/h5>\n
\"mi\u1ebfng

C\u00e1c h\u1ed9i th\u1ea3o \u0111\u1ea7u t\u01b0 c\u1ee7a GFDI tr\u01b0\u1edbc khi \u0111\u1ed5 b\u1ec3 thu h\u00fat r\u1ea5t \u0111\u00f4ng kh\u00e1ch h\u00e0ng tham d\u1ef1 – \u1ea2nh: fanpage GFDI<\/p><\/div>\n

M\u00f4 h\u00ecnh quen thu\u1ed9c “vay ng\u01b0\u1eddi sau tr\u1ea3 ng\u01b0\u1eddi tr\u01b0\u1edbc” \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 doanh nghi\u1ec7p (DN) nh\u1ecf \u00e1p d\u1ee5ng \u0111\u1ec3 chi\u1ebfm \u0111o\u1ea1t h\u00e0ng ng\u00e0n t\u1ec9 \u0111\u1ed3ng c\u1ee7a c\u00e1c n\u1ea1n nh\u00e2n m\u1ed9t l\u1ea7n n\u1eefa \u0111\u1eb7t ra v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd c\u0169ng nh\u01b0 b\u00e0i h\u1ecdc cho ng\u01b0\u1eddi d\u00e2n khi GFDI kh\u00f4ng ph\u1ea3i DN \u0111\u1ea7u ti\u00ean v\u00e0 c\u0169ng kh\u00f4ng l\u00e0 DN cu\u1ed1i c\u00f9ng b\u1eaby n\u1ea1n nh\u00e2n v\u1edbi “mi\u1ebfng m\u1ed3i”\u00a0l\u00e3i su\u1ea5t cao.<\/p>\n

“Mi\u1ebfng m\u1ed3i” c\u0169, n\u1ea1n nh\u00e2n m\u1edbi<\/strong><\/h5>\n

Trao \u0111\u1ed5i v\u1edbi\u00a0Tu\u1ed5i Tr\u1ebb<\/em>, \u00f4ng Hu\u1ef3nh Ho\u00e0ng Ph\u01b0\u01a1ng, c\u1ed1 v\u1ea5n m\u1ea3ng qu\u1ea3n l\u00fd gia s\u1ea3n c\u1ee7a FIDT (chuy\u00ean \u0111\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n), cho bi\u1ebft huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi d\u00e2n c\u01b0 ch\u1ec9 c\u00f3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n.<\/p>\n

Trong khi \u0111\u00f3, ngo\u00e0i k\u00eanh tr\u00e1i phi\u1ebfu, c\u1ed5 phi\u1ebfu v\u00e0 t\u00edn d\u1ee5ng, DN th\u01b0\u1eddng\u00a0huy \u0111\u1ed9ng v\u1ed1n\u00a0b\u1eb1ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c kh\u00e1c nh\u01b0: h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0, vay n\u1ee3 t\u1eeb c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c…<\/p>\n

V\u1edbi v\u1ee5 GFDI, \u00f4ng Ph\u01b0\u01a1ng cho r\u1eb1ng c\u00f4ng ty n\u00e0y c\u00f3 d\u1ea5u hi\u1ec7u ho\u1ea1t \u0111\u1ed9ng theo m\u00f4 h\u00ecnh Ponzi \u0111a c\u1ea5p (l\u1ea5y ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi sau \u0111\u1ec3 tr\u1ea3 l\u00e3i cho ng\u01b0\u1eddi tr\u01b0\u1edbc). M\u00f4 h\u00ecnh Ponzi n\u00e0y t\u1eebng xu\u1ea5t hi\u1ec7n t\u1ea1i nhi\u1ec1u qu\u1ed1c gia ph\u00e1t tri\u1ec3n v\u00e0 du nh\u1eadp v\u00e0o Vi\u1ec7t Nam t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc.<\/p>\n

“Do v\u1eady, c\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n t\u0103ng c\u01b0\u1eddng ki\u1ec3m tra, ph\u00e1t hi\u1ec7n k\u1ecbp th\u1eddi nh\u1eefng h\u00e0nh vi vi ph\u1ea1m”, \u00f4ng Ph\u01b0\u01a1ng n\u00f3i.<\/p>\n

Gi\u1ea3i th\u00edch l\u00fd do GFDI c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng huy \u0111\u1ed9ng v\u00e0i ngh\u00ecn t\u1ec9 \u0111\u1ed3ng m\u00e0 kh\u00f4ng b\u1ecb “tu\u00fdt c\u00f2i”,<\/em> Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/a> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/em><\/strong>, cho r\u1eb1ng DN \u0111\u01b0\u1ee3c ph\u00e9p t\u1ef1 do huy \u0111\u1ed9ng v\u1ed1n d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c nhau nh\u01b0 b\u00e1n c\u1ed5 ph\u1ea7n, tr\u00e1i phi\u1ebfu; nh\u1eadn ti\u1ec1n g\u00f3p v\u1ed1n h\u1ee3p t\u00e1c kinh doanh; vay ti\u1ec1n c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00e1 nh\u00e2n, doanh nghi\u1ec7p trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc.<\/em><\/p>\n

V\u00e0 n\u1ebfu huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 s\u1ea3n xu\u1ea5t, kinh doanh th\u1eadt, kh\u00f4ng c\u00f3 gian d\u1ed1i, l\u1eeba \u0111\u1ea3o hay c\u1ed1 \u00fd chi\u1ebfm \u0111o\u1ea1t, vi\u1ec7c kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i do thua l\u1ed7, th\u1ea5t b\u1ea1i kh\u00f4ng b\u1ecb coi l\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/em><\/p>\n

Khi \u0111\u00f3, DN \u0111\u01b0\u1ee3c ph\u00e9p ho\u1eb7c bu\u1ed9c ph\u1ea3i ph\u00e1 s\u1ea3n \u0111\u1ec3 thanh l\u00fd t\u00e0i s\u1ea3n v\u00e0 gi\u1ea3i ph\u00f3ng ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. Ch\u1ee7 s\u1edf h\u1eefu, ch\u1ee7 n\u1ee3,\u00a0nh\u00e0 \u0111\u1ea7u t\u01b0, kh\u00e1ch h\u00e0ng… \u0111\u1ec1u c\u00f3 th\u1ec3 b\u1ecb m\u1ea5t c\u1ea3 v\u1ed1n l\u1eabn l\u00e3i.<\/em><\/p>\n

Song v\u1edbi tr\u01b0\u1eddng h\u1ee3p GFDI, c\u00f4ng an \u0111\u00e3 ti\u1ebfn h\u00e0nh xem x\u00e9t thu th\u1eadp th\u00f4ng tin, t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n tr\u00e1i ph\u00e9p, l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh c\u1ee7a DN n\u00e0y.<\/em><\/p>\n

“Kh\u00f4ng ri\u00eang v\u1ee5 GFDI, h\u00e0ng ch\u1ee5c n\u0103m qua, vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a nhi\u1ec1u DN c\u00f3 y\u1ebfu t\u1ed1 gian l\u1eadn, l\u1eeba d\u1ed1i v\u1ec1 nhi\u1ec1u th\u1ee9, t\u1eeb n\u0103ng l\u1ef1c, d\u1ef1 \u00e1n, hi\u1ec7u qu\u1ea3, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n cho \u0111\u1ebfn vi\u1ec7c bi\u1ec3n th\u1ee7, chi\u1ebfm \u0111o\u1ea1t”, \u00f4ng \u0110\u1ee9c cho hay.<\/em><\/p>\n

C\u0169ng theo \u00f4ng \u0110\u1ee9c, huy \u0111\u1ed9ng v\u1ed1n v\u1edbi h\u1ee9a h\u1eb9n tr\u1ea3 l\u00e3i cao g\u1ea5p nhi\u1ec1u l\u1ea7n\u00a0l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi\u00a0ng\u00e2n h\u00e0ng l\u00e0 c\u00e1ch l\u00e0m x\u01b0a c\u0169 nh\u01b0ng v\u1eabn l\u1eeba \u0111\u01b0\u1ee3c qu\u00e1 nhi\u1ec1u n\u1ea1n nh\u00e2n.<\/em><\/p>\n

“L\u00e3i su\u1ea5t cao ng\u1ea5t ng\u01b0\u1edfng x\u01b0a nay \u0111\u1ec1u l\u00e0 m\u1ed3i nh\u1eed c\u00f3 th\u1ec3 ti\u00eau di\u1ec7t h\u1ea7u h\u1ebft m\u1ecdi con m\u1ed3i. Qu\u00e1 nhi\u1ec1u v\u1ee5, ch\u1ec9 v\u1edbi mi\u1ebfng m\u1ed3i l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn, trong m\u1ed9t th\u1eddi ng\u1eafn t\u1ed9i ph\u1ea1m \u0111\u00e3 v\u01a1 v\u00e9t v\u00e0 chi\u1ebfm \u0111o\u1ea1t \u0111\u01b0\u1ee3c h\u00e0ng ngh\u00ecn t\u1ec9 c\u1ee7a n\u1ea1n nh\u00e2n”, \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

L\u00e3i su\u1ea5t cao b\u1ea5t th\u01b0\u1eddng l\u00e0 d\u1ea5u hi\u1ec7u c\u1ee7a l\u1eeba \u0111\u1ea3o?<\/strong><\/h5>\n

Theo PGS.TS Tr\u1ea7n Vi\u1ec7t D\u0169ng – vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n nghi\u00ean c\u1ee9u khoa h\u1ecdc ng\u00e2n h\u00e0ng (H\u1ecdc vi\u1ec7n Ng\u00e2n h\u00e0ng), ch\u1ec9 c\u00e1c ng\u00e2n h\u00e0ng m\u1edbi \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 tr\u1ea3\u00a0l\u00e3i su\u1ea5t huy \u0111\u1ed9ng. Trong khi \u0111\u00f3, th\u00f4ng qua h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n, m\u1ed9t s\u1ed1 DN, trong \u0111\u00f3 c\u00f3 GFDI, c\u00f3 th\u1ec3 huy \u0111\u1ed9ng s\u1ed1 ti\u1ec1n l\u1edbn c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1edbi l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn.<\/p>\n

“H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n l\u00e0 s\u1ef1 th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean. Theo \u0111\u00f3, b\u00ean cho vay giao t\u00e0i s\u1ea3n cho b\u00ean vay. Khi \u0111\u1ebfn h\u1ea1n tr\u1ea3, b\u00ean vay ph\u1ea3i ho\u00e0n tr\u1ea3 cho b\u00ean cho vay t\u00e0i s\u1ea3n c\u00f9ng lo\u1ea1i theo \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i n\u1ebfu c\u00f3 th\u1ecfa thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh”, \u00f4ng D\u0169ng d\u1eabn quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

Theo \u0111i\u1ec1u 468 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, l\u00e3i su\u1ea5t vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20% m\u1ed7i n\u0103m tr\u1eeb khi ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n

Tuy nhi\u00ean theo \u00f4ng D\u0169ng, \u0111\u1ec3 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i su\u1ea5t kh\u1ed1ng ch\u1ebf, nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00e3 t\u00ecm \u0111\u1ee7 c\u00e1ch “l\u00e1ch” lu\u1eadt. Ch\u1eb3ng h\u1ea1n, GFDI g\u1ed9p lu\u00f4n ti\u1ec1n l\u00e3i su\u1ea5t v\u00e0o v\u1ed1n g\u1ed1c… trong h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n v\u1edbi ng\u01b0\u1eddi d\u00e2n. \u0110i\u1ec1u n\u00e0y s\u1ebd g\u00e2y kh\u00f3 kh\u0103n trong vi\u1ec7c ki\u1ec3m so\u00e1t c\u00e1c c\u00f4ng ty \u0111\u01b0a ra l\u00e3i su\u1ea5t “kh\u00f4ng t\u01b0\u1edfng”.<\/p>\n

C\u0169ng theo \u00f4ng D\u0169ng, kho\u1ea3ng tr\u1ed1ng ph\u00e1p lu\u1eadt c\u00f3 th\u1ec3 c\u00f3 nh\u01b0ng ch\u1ee7 y\u1ebfu v\u1eabn l\u00e0 vi\u1ec7c \u0111\u00e1nh v\u00e0o l\u00f2ng tham, ch\u01b0a hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh c\u1ee7a m\u1ed9t b\u1ed9 ph\u1eadn ng\u01b0\u1eddi d\u00e2n.<\/p>\n

L\u1ebd ra khi nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t l\u1eddi m\u1eddi huy \u0111\u1ed9ng v\u1edbi l\u00e3i su\u1ea5t g\u1ea7n 50%, tr\u01b0\u1edbc ti\u00ean c\u1ea7n h\u1ecfi l\u1ee3i nhu\u1eadn n\u00e0y th\u1ef1c s\u1ef1 \u0111\u1ebfn t\u1eeb \u0111\u00e2u? B\u1edfi r\u1ea5t kh\u00f3 \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1ea1o ra m\u1ee9c l\u00e3i su\u1ea5t 50% n\u1ebfu ch\u1ec9 kinh doanh th\u00f4ng th\u01b0\u1eddng.<\/p>\n

\u00d4ng \u0110\u1eb7ng Tr\u1ea7n Ph\u1ee5c, ch\u1ee7 t\u1ecbch H\u0110QT C\u00f4ng ty c\u1ed5 ph\u1ea7n AzFin Vi\u1ec7t Nam, c\u0169ng cho r\u1eb1ng n\u1ebfu m\u1ed9t DN c\u00f3 th\u1ec3 tr\u1ea3 l\u00e3i su\u1ea5t cao \u0111\u1ec1u \u0111\u1eb7n, \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c t\u1ea1o ra m\u1ee9c l\u1ee3i nhu\u1eadn r\u1ea5t t\u1ed1t.<\/p>\n

“V\u1edbi ph\u01b0\u01a1ng \u00e1n kinh doanh t\u1ed1t, t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh, DN c\u00f3 th\u1ec3 \u0111i vay ng\u00e2n h\u00e0ng v\u1edbi chi ph\u00ed vay ch\u1ec9 h\u01a1n 10% – th\u1ea5p h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi con s\u1ed1 ph\u1ea3i b\u1ecf ra \u0111\u1ec3 vay ng\u01b0\u1eddi d\u00e2n”, \u00f4ng Ph\u1ee5c ch\u1ec9 ra \u0111i\u1ec3m b\u1ea5t th\u01b0\u1eddng.<\/p>\n

Do \u0111\u00f3, l\u1eddi m\u1eddi l\u00e3i su\u1ea5t tr\u00ean 30% l\u00e0 b\u1ea5t th\u01b0\u1eddng, b\u1edfi kh\u00f4ng c\u00f3 DN n\u00e0o c\u00f3 th\u1ec3 th\u01b0\u1eddng xuy\u00ean t\u1ea1o ra l\u1ee3i nhu\u1eadn n\u00e0y \u0111\u1ec3 tr\u1ea3 l\u00e3i.<\/p>\n

“Ngay c\u1ea3 c\u00e1c t\u1eadp \u0111o\u00e0n l\u00e0m \u0103n hi\u1ec7u qu\u1ea3 nh\u1ea5t Vi\u1ec7t Nam, hi\u1ec7u qu\u1ea3 sinh l\u1eddi tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu l\u00e0 25%. V\u1edbi m\u1ee9c l\u1ee3i nhu\u1eadn n\u00e0y, DN c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn d\u1ec5 d\u00e0ng v\u1edbi ngu\u1ed3n v\u1ed1n t\u1eeb ng\u00e2n h\u00e0ng hay qua th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, kh\u00f4ng c\u1ea7n huy \u0111\u1ed9ng nh\u1ecf l\u1ebb v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t kh\u1ee7ng”, \u00f4ng Ph\u1ee5c n\u00f3i.<\/p>\n

To\u00e0n c\u1ea3nh v\u1ee5 GFDI<\/strong><\/h5>\n

– C\u00f4ng ty TNHH m\u1ed9t th\u00e0nh vi\u00ean t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0 GFDI \u0111\u01b0\u1ee3c \u00f4ng Nguy\u1ec5n Quang Ho\u00e0ng th\u00e0nh l\u1eadp v\u00e0o n\u0103m 2018 \u1edf \u0110\u00e0 N\u1eb5ng v\u1edbi v\u1ed1n ban \u0111\u1ea7u 1 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

– N\u0103m 2022, GFDI n\u00e2ng v\u1ed1n l\u00ean 80 t\u1ec9 \u0111\u1ed3ng v\u00e0 m\u1edf r\u1ed9ng ra nhi\u1ec1u ng\u00e0nh ngh\u1ec1 kh\u00e1c, ngo\u00e0i ng\u00e0nh ch\u00ednh l\u00e0 t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0.<\/p>\n

– GFDI huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ea7u t\u01b0 t\u1eeb ng\u01b0\u1eddi d\u00e2n v\u1edbi l\u00e3i su\u1ea5t cao b\u1eb1ng h\u00ecnh th\u1ee9c “h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n” trong th\u1eddi gian d\u00e0i.<\/p>\n

– T\u1eeb th\u00e1ng 11-2023, vi\u1ec7c \u0111\u1ea7u t\u01b0 kinh doanh thua l\u1ed7, m\u1ea5t kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh. Do \u0111\u00f3 \u00f4ng Nguy\u1ec5n Quang Ho\u00e0ng \u0111\u00e3 t\u1ed5 ch\u1ee9c, ch\u1ec9 \u0111\u1ea1o cho nh\u00e2n vi\u00ean l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng d\u01b0\u1edbi h\u00ecnh th\u1ee9c k\u00fd h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n, s\u1eed d\u1ee5ng ti\u1ec1n vay c\u1ee7a ng\u01b0\u1eddi sau tr\u1ea3 cho ng\u01b0\u1eddi tr\u01b0\u1edbc.<\/p>\n

– \u0110\u1ebfn \u0111\u1ea7u th\u00e1ng 11-2024, GFDI m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3 cho 7.541 kh\u00e1ch h\u00e0ng v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n d\u01b0 n\u1ee3 g\u1ed1c h\u01a1n 3.700 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

– Tr\u01b0a 8-11, C\u01a1 quan c\u1ea3nh s\u00e1t \u0111i\u1ec1u tra C\u00f4ng an TP \u0110\u00e0 N\u1eb5ng \u0111\u1ed3ng lo\u1ea1t kh\u00e1m x\u00e9t tr\u1ee5 s\u1edf v\u00e0 s\u1edf giao d\u1ecbch c\u1ee7a GFDI.<\/p>\n

Do thi\u1ebfu k\u00eanh \u0111\u1ea7u t\u01b0?<\/strong><\/h5>\n

Theo \u00f4ng Hu\u1ef3nh Ho\u00e0ng Ph\u01b0\u01a1ng, ngo\u00e0i l\u00fd do thi\u1ebfu hi\u1ec3u bi\u1ebft v\u00e0 c\u1ea3 l\u00f2ng tham d\u1eabn \u0111\u1ebfn b\u1ecb l\u1eeba, g\u1ed1c r\u1ec5 c\u1ee7a c\u00e1c v\u1ee5 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n \u0111a c\u1ea5p th\u1eddi gian qua c\u00f2n do Vi\u1ec7t Nam \u0111ang thi\u1ebfu c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0.<\/p>\n

Vi\u1ec7t Nam \u0111ang trong giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n, nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n c\u00f3 t\u00edch l\u0169y t\u00e0i s\u1ea3n trong khi l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u1ec1 m\u1ee9c th\u1ea5p k\u1ef7 l\u1ee5c 2 n\u0103m g\u1ea7n \u0111\u00e2y.<\/p>\n

“Khi l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng v\u1ec1 m\u1ee9c d\u01b0\u1edbi 5%\/n\u0103m, b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u1ea1i t\u0103ng qu\u00e1 n\u00f3ng \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0, trong khi ch\u1ee9ng kho\u00e1n kh\u00f4ng ph\u1ea3i ai c\u0169ng \u0111\u1ee7 hi\u1ec3u bi\u1ebft \u0111\u1ec3 tham gia. M\u00f4i tr\u01b0\u1eddng n\u00e0y kh\u00e1 thu\u1eadn l\u1ee3i cho c\u00e1c nh\u00f3m \u0111a c\u1ea5p l\u1eeba \u0111\u1ea3o huy \u0111\u1ed9ng v\u1ed1n”, \u00f4ng Ph\u01b0\u01a1ng nh\u1eadn \u0111\u1ecbnh v\u00e0 cho r\u1eb1ng c\u1ea7n tuy\u00ean truy\u1ec1n nh\u1eb1m n\u00e2ng cao d\u00e2n tr\u00ed t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1ed3ng th\u1eddi \u0111a d\u1ea1ng h\u00f3a c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ng\u0103n ch\u1eb7n c\u00e1c v\u1ee5 \u0111\u1ed5 v\u1ee1 Ponzi.<\/p>\n

G\u1eedi ti\u1ebft ki\u1ec7m v\u1eabn c\u00f3 l\u00e3i th\u1ef1c d\u01b0\u01a1ng<\/strong><\/h5>\n

Theo th\u1ed1ng k\u00ea c\u1ee7a AzFin Vi\u1ec7t Nam, t\u1eeb n\u0103m 2000 \u0111\u1ebfn nay, c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n c\u00f3 l\u1ee3i su\u1ea5t trung b\u00ecnh 10,5%\/n\u0103m. Trong khi ti\u1ebft ki\u1ec7m kho\u1ea3ng 9% (c\u00f3 giai \u0111o\u1ea1n l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi l\u00ean h\u01a1n 10%\/n\u0103m song 2 n\u0103m g\u1ea7n \u0111\u00e2y v\u1ec1 th\u1ea5p k\u1ef7 l\u1ee5c v\u1edbi m\u1ee9c tr\u00ean d\u01b0\u1edbi 5%).<\/p>\n

C\u00f9ng kho\u1ea3ng th\u1eddi gian, \u0111\u1ea7u t\u01b0 v\u00e0o v\u00e0ng l\u1ee3i su\u1ea5t c\u00f3 th\u1ec3 l\u00ean t\u1edbi kho\u1ea3ng 13,2%\/n\u0103m (do bi\u1ebfn \u0111\u1ed9ng 2 n\u0103m g\u1ea7n \u0111\u00e2y qu\u00e1 m\u1ea1nh).<\/p>\n

“G\u1eedi l\u00e3i ng\u00e2n h\u00e0ng 5%\/n\u0103m so v\u1edbi l\u1ea1m ph\u00e1t v\u1eabn c\u00f3 l\u00e3i th\u1ef1c d\u01b0\u01a1ng. Do v\u1eady, n\u1ebfu ch\u01b0a t\u00ecm \u0111\u01b0\u1ee3c k\u00eanh \u0111\u1ea7u t\u01b0 ph\u00f9 h\u1ee3p, kh\u00f4ng t\u1ef1 tin v\u1ec1 m\u1ee9c \u0111\u1ed9 am hi\u1ec3u, ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc g\u1eedi ti\u1ebft ki\u1ec7m” – \u00f4ng \u0110\u1eb7ng Tr\u1ea7n Ph\u1ee5c, ch\u1ee7 t\u1ecbch H\u0110QT C\u00f4ng ty c\u1ed5 ph\u1ea7n AzFin Vi\u1ec7t Nam, khuy\u1ebfn ngh\u1ecb.<\/p>\n

V\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p mu\u1ed1n \u0111\u1ea7u t\u01b0, g\u00f3p v\u1ed1n ho\u1eb7c cho DN vay, theo \u00f4ng Ph\u1ee5c, ng\u01b0\u1eddi d\u00e2n n\u00ean t\u00ecm hi\u1ec3u k\u1ef9 xem ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a DN ra sao d\u1ef1a v\u00e0o b\u00e1o c\u00e1o t\u00e0i ch\u00ednh t\u1ef1 l\u1eadp ho\u1eb7c \u0111\u00e3 qua ki\u1ec3m to\u00e1n trong kho\u1ea3ng th\u1eddi gian t\u1eeb 3-5 n\u0103m.<\/p>\n

“M\u1ed9t DN kh\u00f4ng th\u1ec3 ghi nh\u1eadn l\u1ee3i nhu\u1eadn cao “\u1ea3o” trong nhi\u1ec1u n\u0103m \u0111\u01b0\u1ee3c v\u00ec ph\u1ea3i \u0111\u00f3ng thu\u1ebf”, \u00f4ng Ph\u1ee5c khuy\u1ebfn ngh\u1ecb.<\/p>\n

B\u00ecnh Kh\u00e1nh<\/strong><\/p>\n

—————<\/p>\n

Tu\u1ed5i<\/em><\/strong> tr\u1ebb<\/em><\/strong> (Kinh<\/em><\/strong> doanh<\/em><\/strong>) ng\u00e0y <\/em><\/strong>16-11<\/em><\/strong>-2024:<\/em><\/strong><\/p>\n

https:\/\/tuoitre.vn\/bay-nan-nhan-voi-mieng-moi-lai-suat-cao-20241115222924776.htm<\/a> <\/em><\/p>\n

(<\/em>334\/1.743<\/em>)<\/em><\/p>\n

—————-<\/em><\/p>\n

\u0110o\u1ea1n \u0111\u00e3 s\u1eeda & g\u1eedi l\u1ea1i PV:<\/strong><\/h4>\n

Mi\u1ebfng m\u1ed3i l\u00e3i su\u1ea5t qu\u00e1 h\u1ea5p d\u1eabn v\u1edbi con m\u1ed3i.<\/em><\/strong><\/h4>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho bi\u1ebft, doanh nghi\u1ec7p \u0111\u01b0\u1ee3c ph\u00e9p t\u1ef1 do huy \u0111\u1ed9ng v\u1ed1n d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c nhau nh\u01b0 b\u00e1n c\u1ed5 ph\u1ea7n, tr\u00e1i phi\u1ebfu; nh\u1eadn ti\u1ec1n g\u00f3p v\u1ed1n h\u1ee3p t\u00e1c kinh doanh; b\u00e1n h\u00e0ng thu ti\u1ec1n tr\u01b0\u1edbc; mua h\u00e0ng ho\u00e1 tr\u1ea3 ch\u1eadm; vay ti\u1ec1n c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00e1 nh\u00e2n, doanh nghi\u1ec7p trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc. <\/em><\/p>\n

Doanh nghi\u1ec7p huy \u0111\u1ed9ng v\u1ed1n g\u00f3p th\u00ec ch\u1ee7 n\u1ee3 \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i cao, th\u1ea5p hay b\u1ecb m\u1ea5t c\u1ea3 ch\u00ec l\u1eabn ch\u00e0i, l\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o k\u1ebft qu\u1ea3 kinh doanh. C\u00f2n khi doanh nghi\u1ec7p \u0111i vay v\u1ed1n th\u00ec c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 ch\u1ee7 n\u1ee3 \u0111\u1ea7y \u0111\u1ee7 c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i theo m\u1ee9c th\u1ecfa thu\u1eadn. <\/em><\/p>\n

N\u1ebfu doanh nghi\u1ec7p huy \u0111\u1ed9ng v\u1ed1n d\u01b0\u1edbi h\u00ecnh th\u1ee9c t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 hay g\u00f3p v\u1ed1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0, h\u1ee3p t\u00e1c kinh doanh m\u00e0 h\u1ee9a h\u1eb9n ch\u1eafc ch\u1eafn s\u1ebd tr\u1ea3 \u0111\u1ee7 c\u1ea3 v\u1ed1n l\u1eabn l\u00e3i v\u1edbi m\u1ee9c c\u1ed1 \u0111\u1ecbnh th\u00ec \u0111\u00e3 r\u1ea5t \u0111\u00e1ng ng\u1edd, v\u00ec n\u00f3 tr\u00e1i v\u1edbi nguy\u00ean t\u1eafc l\u1eddi \u0103n \u2013 l\u1ed7 ch\u1ecbu.<\/em><\/p>\n

N\u1ebfu huy \u0111\u1ed9ng v\u1ed1n th\u1eadt v\u00e0 \u0111\u1ec3 \u0111\u1ea7u t\u01b0 s\u1ea3n xu\u1ea5t, kinh doanh th\u1eadt, kh\u00f4ng c\u00f3 gian d\u1ed1i, l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t, th\u00ec vi\u1ec7c kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i do thua l\u1ed7, th\u1ea5t b\u1ea1i, kh\u00f4ng b\u1ecb coi l\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt. Khi \u0111\u00f3 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c ph\u00e9p ho\u1eb7c bu\u1ed9c ph\u1ea3i ph\u00e1 s\u1ea3n, \u0111\u1ec3 thanh l\u00fd t\u00e0i s\u1ea3n v\u00e0 gi\u1ea3i ph\u00f3ng ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. Ch\u1ee7 s\u1edf h\u1eefu, ch\u1ee7 n\u1ee3, nh\u00e0 \u0111\u1ea7u t\u01b0, kh\u00e1ch h\u00e0ng,\u2026 \u0111\u1ec1u c\u00f3 th\u1ec3 b\u1ecb m\u1ea5t c\u1ea3 v\u1ed1n l\u1eabn l\u00e3i.<\/em><\/p>\n

Tuy nhi\u00ean, h\u00e0ng ch\u1ee5c n\u0103m qua, vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a nhi\u1ec1u doanh nghi\u1ec7p tr\u00ean th\u1ef1c t\u1ebf l\u1ea1i ch\u1ea5t ch\u1ee9a r\u1ea5t nhi\u1ec1u s\u1ef1 sai tr\u00e1i, gian l\u1ea1n, l\u1eeba d\u1ed1i v\u1ec1 nhi\u1ec1u th\u1ee9, t\u1eeb n\u0103ng l\u1ef1c, d\u1ef1 \u00e1n, hi\u1ec7u qu\u1ea3, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n, cho \u0111\u1ebfn vi\u1ec7c bi\u1ec3n th\u1ee7, chi\u1ebfm \u0111o\u1ea1t. <\/em><\/p>\n

Huy \u0111\u1ed9ng h\u1ee9a h\u1eb9n tr\u1ea3 l\u00e3i cao ch\u1ea5t ng\u1ea5t g\u1ea5p nhi\u1ec1u l\u1ea7n l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng (theo hay kh\u00f4ng theo m\u00f4 h\u00ecnh \u0111a c\u1ea5p ki\u1ec3u l\u1ea5y ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi sau tr\u1ea3 cho ng\u01b0\u1eddi tr\u01b0\u1edbc), l\u00e0 c\u00e1ch l\u00e0m x\u01b0a c\u0169, ph\u1ed5 bi\u1ebfn, \u0111\u01a1n gi\u1ea3n nh\u1ea5t. Tuy nhi\u00ean n\u00f3 l\u1ea1i v\u1eabn l\u1eeba \u0111\u01b0\u1ee3c qu\u00e1 nhi\u1ec1u n\u1ea1n nh\u00e2n, v\u00ec \u0111\u00e1nh g\u1ee5c nh\u1eefng \u0111i\u1ec3m y\u1ebfu ch\u1ebft ng\u01b0\u1eddi, \u0111\u00f3 l\u00e0 s\u1ef1 thi\u1ebfu hi\u1ec3u bi\u1ebft (trong \u0111\u00f3 c\u00f3 l\u00fd do ph\u00e1p lu\u1eadt kh\u00e1 m\u1eadp m\u1edd), s\u1ef1 nh\u1eb9 d\u1ea1, c\u1ea3 tin v\u00e0 l\u00f2ng tham c\u1ee7a con ng\u01b0\u1eddi.<\/em><\/p>\n

C\u0169ng theo \u00f4ng \u0110\u1ee9c, m\u1ed9t v\u00e0i tr\u01b0\u1eddng h\u1ee3p nh\u01b0 khi doanh nghi\u1ec7p ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu hay b\u00e1n nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, th\u00ec s\u1ebd ph\u1ea3i \u0111\u00e1p \u1ee9ng nh\u1eefng \u0111i\u1ec1u ki\u1ec7n kh\u00e1 ch\u1eb7t ch\u1ebd. Trong khi \u0111\u00f3, v\u1edbi vi\u1ec7c ph\u00e1t h\u00e0nh c\u1ed5 ph\u1ea7n, t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u00e0 vay v\u1ed1n nh\u01b0 tr\u01b0\u1eddng h\u1ee3p GDFI th\u00ec v\u1ec1 c\u01a1 b\u1ea3n l\u00e0 tho\u1ea3i m\u00e1i. L\u00e3i su\u1ea5t ng\u1ea5t ng\u01b0\u1edfng x\u01b0a nay \u0111\u1ec1u l\u00e0 m\u1ed3i nh\u1eed c\u00f3 th\u1ec3 ti\u00eau di\u1ec7t h\u1ea7u h\u1ebft m\u1ecdi con m\u1ed3i. Qu\u00e1 nhi\u1ec1u v\u1ee5, ch\u1ec9 v\u1edbi mi\u1ebfng m\u1ed3i l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn, trong m\u1ed9t th\u1eddi ng\u1eafn, t\u1ed9i ph\u1ea1m \u0111\u00e3 v\u01a1 v\u00e9t v\u00e0 chi\u1ebfm \u0111o\u1ea1t \u0111\u01b0\u1ee3c h\u00e0ng ngh\u00ecn t\u1ef7 c\u1ee7a n\u1ea1n nh\u00e2n.\/.<\/em>","protected":false},"excerpt":{"rendered":"

B\u1eaby n\u1ea1n nh\u00e2n v\u1edbi ‘mi\u1ebfng m\u1ed3i’ l\u00e3i su\u1ea5t cao. (TT) – V\u1ee5 GFDI \u1edf \u0110\u00e0 N\u1eb5ng v\u1eeba b\u1ecb \u0111\u1ed5 b\u1ec3 v\u1edbi kho\u1ea3ng 3.700 t\u1ec9 \u0111\u1ed3ng t\u1eeb h\u01a1n 7.500 n\u1ea1n nh\u00e2n, m\u1ed9t l\u1ea7n n\u1eefa cho th\u1ea5y “mi\u1ebfng m\u1ed3i” l\u00e3i su\u1ea5t cao, \u0111\u01b0\u1ee3c kh\u00f4ng \u00edt doanh nghi\u1ec7p v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng l\u1eeba \u0111\u1ea3o gi\u0103ng ra, d\u00f9 kh\u00f4ng m\u1edbi […]<\/p>\n","protected":false},"author":2,"featured_media":43803,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[34,36],"class_list":["post-43802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.392. 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