{"id":4489,"date":"2018-12-09T21:48:28","date_gmt":"2018-12-09T14:48:28","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4489"},"modified":"2024-10-30T15:07:52","modified_gmt":"2024-10-30T08:07:52","slug":"245a-nhan-dien-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/245a-nhan-dien-tin-dung-den\/","title":{"rendered":"245A. Nh\u1eadn di\u1ec7n t\u00edn d\u1ee5ng \u0111en"},"content":{"rendered":"

Nh\u1eadn di\u1ec7n t\u00edn d\u1ee5ng \u0111en<\/span><\/h4>\n

B\u00e0i vi\u1ebft g\u1eedi Th\u1eddi b\u00e1o Kinh t\u1ebf SG, HN 09-12-2018:<\/em><\/strong><\/h4>\n

Nh\u1eadn di\u1ec7n t\u00edn d\u1ee5ng \u0111en <\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, <\/strong>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/strong><\/p>\n

B\u00e0i n\u00e0y ti\u1ebfp t\u1ee5c ph\u00e2n t\u00edch s\u00e2u r\u1ed9ng h\u01a1n v\u1ec1 y\u1ebfu t\u1ed1 th\u1ee9 nh\u1ea5t trong s\u1ed1 3 y\u1ebfu t\u1ed1 nh\u1eadn di\u1ec7n t\u00edn d\u1ee5ng \u0111en l\u00e0 cho vay b\u1ea5t h\u01a1p ph\u00e1p, l\u00e3i su\u1ea5t tr\u00e1i lu\u1eadt v\u00e0 \u0111\u00f2i n\u1ee3 ph\u1ea1m ph\u00e1p, trong b\u00e0i \u201cX\u1eed l\u00fd t\u00edn d\u1ee5ng \u0111en\u201d c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u0103ng tr\u00ean Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n s\u1ed1 \u2026 ng\u00e0y \u2026-12-2018.<\/em><\/p>\n

\u0110\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u01b0\u1ee3c cho vay <\/strong><\/h5>\n

M\u1ed9t v\u1ea5n \u0111\u1ec1 c\u00f2n kh\u00f4ng r\u00f5 c\u1ee7a ph\u00e1p lu\u1eadt l\u00e0, \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o th\u00ec \u0111\u01b0\u1ee3c v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng cho vay? Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh th\u00ec c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (nh\u01b0 ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n), qu\u1ef9 t\u00edn d\u1ee5ng \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay.<\/p>\n

Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015, Lu\u1eadt doanh nghi\u1ec7p n\u0103m 2014 th\u00ec c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c c\u0169ng \u0111\u01b0\u1ee3c ph\u00e9p cho nhau vay v\u1ed1n. Lu\u1eadt doanh nghi\u1ec7p n\u0103m 2014 quy \u0111\u1ecbnh: Ch\u1ee7 s\u1edf h\u1eefu c\u00f4ng ty, H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean, H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb v\u00e0 \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng c\u1ee7a c\u00e1c c\u00f4ng ty c\u00f3 m\u1ed9t trong nh\u1eefng th\u1ea9m quy\u1ec1n l\u00e0 th\u00f4ng qua h\u1ee3p \u0111\u1ed3ng cho vay. \u0110\u1ed1i v\u1edbi c\u00e1 nh\u00e2n th\u00ec vi\u1ec7c cho vay \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

T\u00f3m l\u1ea1i, c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n n\u00f3i chung, doanh nghi\u1ec7p n\u00f3i ri\u00eang \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd kinh doanh hay c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay. T\u1ea5t nhi\u00ean, v\u1edbi \u0111i\u1ec1u ki\u1ec7n l\u00e0 vi\u1ec7c cho vay n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng th\u01b0\u1eddng xuy\u00ean, ch\u1ee7 y\u1ebfu v\u00e0 ngo\u1ea1i tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t b\u1ecb c\u1ea5m. Ch\u1eb3ng h\u1ea1n nh\u01b0 n\u1ebfu \u201ccho vay t\u1ea1i s\u00f2ng b\u1ea1c, n\u01a1i \u0111\u00e1nh b\u1ea1c kh\u00e1c\u201d, th\u00ec s\u1ebd b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m a kho\u1ea3n 3 \u0110i\u1ec1u 26 v\u1ec1 \u201cH\u00e0nh vi \u0111\u00e1nh b\u1ea1c tr\u00e1i ph\u00e9p\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 167\/2013\/N\u0110-CP ng\u00e0y 12-11-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c an ninh, tr\u1eadt t\u1ef1, an to\u00e0n x\u00e3 h\u1ed9i;\u2026\u201d (xem chi ti\u1ebft t\u1ea1i Ti\u1ec3u m\u1ee5c 32.2, S\u00e1ch \u201cLu\u1eadn gi\u1ea3i v\u1ec1 Lu\u1eadt Doanh nghi\u1ec7p\u201d, NXB Ch\u00ednh tr\u1ecb Qu\u1ed1c gia S\u1ef1 th\u1eadt xu\u1ea5t b\u1ea3n n\u0103m 2016, t\u00e1i b\u1ea3n n\u0103m 2018 c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c).<\/p>\n

Th\u1eadm ch\u00ed Lu\u1eadt thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng n\u0103m 2008 v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 219\/2013\/TT-BTC ng\u00e0y 31-12-2013 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh \u201cH\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 209\/2013\/N\u0110-CP ng\u00e0y 18-12-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng\u201d c\u00f2n ch\u1ec9 r\u00f5, vi\u1ec7c cho vay c\u1ee7a c\u00e1c doanh nghi\u1ec7p l\u00e0 \u201cho\u1ea1t \u0111\u1ed9ng cho vay ri\u00eang l\u1ebb, kh\u00f4ng ph\u1ea3i ho\u1ea1t \u0111\u1ed9ng kinh doanh, cung \u1ee9ng th\u01b0\u1eddng xuy\u00ean c\u1ee7a ng\u01b0\u1eddi n\u1ed9p thu\u1ebf kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d c\u0169ng kh\u00f4ng ph\u1ea3i n\u1ed9p thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng gi\u1ed1ng nh\u01b0 \u0111\u1ed1i v\u1edbi vi\u1ec7c cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Tuy nhi\u00ean c\u00f2n kh\u00f4ng r\u00f5 li\u1ec7u c\u00f2n c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n n\u00e0o kh\u00e1c kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ho\u1eb7c d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3, m\u00e0 l\u1ea1i v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay chuy\u00ean nghi\u1ec7p hay kh\u00f4ng? Theo nguy\u00ean t\u1eafc chung th\u00ec c\u00f3 th\u1ec3 hi\u1ec3u l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf v\u1eabn c\u00f3 kh\u00e1 nhi\u1ec1u c\u00f4ng ty chuy\u00ean cho vay m\u00e0 ch\u1ec9 d\u1ef1a tr\u00ean c\u01a1 s\u1edf \u0111\u0103ng k\u00fd kinh doanh theo m\u00e3 ng\u00e0nh kinh t\u1ebf \u201cHo\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c\u201d, nh\u00f3m 64920, H\u1ec7 th\u1ed1ng ng\u00e0nh kinh t\u1ebf Vi\u1ec7t Nam, ban h\u00e0nh theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 27\/2018\/Q\u0110-TTg ng\u00e0y 06-7-2018 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7.<\/p>\n

\u00a0<\/strong>Cho vay ngo\u00e0i ph\u1ea1m vi \u0111\u01b0\u1ee3c ph\u00e9p <\/strong><\/h5>\n

M\u1ed9t v\u1ea5n \u0111\u1ec1 n\u1eefa ch\u01b0a r\u00f5 hi\u1ec7n nay l\u00e0 c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3, th\u00ec ngo\u00e0i h\u00ecnh th\u1ee9c cho vay c\u1ea7m \u0111\u1ed3, li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c ph\u00e9p cho vay theo c\u00e1c h\u00ecnh th\u1ee9c kh\u00e1c hay kh\u00f4ng?<\/p>\n

Kho\u1ea3n 4, \u0110i\u1ec1u 3 v\u1ec1 \u201cNg\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1 v\u00e0 ph\u1ea1m vi qu\u1ea3n l\u00fd\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2016\/N\u0110-CP ng\u00e0y 01-7-2016 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1 \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n\u201d quy \u0111\u1ecbnh nh\u01b0 sau: \u201cKinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3, g\u1ed3m: Kinh doanh d\u1ecbch v\u1ee5 cho vay ti\u1ec1n m\u00e0 ng\u01b0\u1eddi vay ti\u1ec1n ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n h\u1ee3p ph\u00e1p mang \u0111\u1ebfn c\u01a1 s\u1edf kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 \u0111\u1ec3 c\u1ea7m c\u1ed1\u201d<\/em>.<\/em><\/p>\n

Nh\u01b0 v\u1eady, cho vay c\u1ea7m \u0111\u1ed3 l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay d\u1ef1a tr\u00ean c\u01a1 s\u1edf c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, t\u1ee9c l\u00e0 b\u00ean vay ph\u1ea3i c\u00f3 \u0111\u1ed9ng s\u1ea3n v\u00e0 ph\u1ea3i giao cho b\u00ean cho vay. B\u1ea3n ch\u1ea5t c\u1ee7a d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 l\u00e0 cho vay ho\u00e0n to\u00e0n d\u1ef1a v\u00e0o tr\u1ecb gi\u00e1 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1. N\u1ebfu nh\u01b0 b\u00ean vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, th\u00ec b\u00ean cho vay \u0111\u01b0\u1ee3c quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ec3 thu h\u1ed3i n\u1ee3, m\u00e0 kh\u00f4ng d\u1ef1a v\u00e0o uy t\u00edn v\u00e0 c\u00e1c ngu\u1ed3n thu n\u1ee3 kh\u00e1c.<\/p>\n

Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf di\u1ec5n ra kh\u00e1 ph\u1ed5 bi\u1ebfn t\u00ecnh tr\u1ea1ng, d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 l\u1ea1i cho vay b\u1eb1ng c\u1ea3 t\u00edn ch\u1ea5p (kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m) ho\u1eb7c l\u00e0 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n, th\u1eadm ch\u00ed b\u1ea3o \u0111\u1ea3m b\u1eb1ng c\u1ea3 ch\u1ee9ng minh nh\u00e2n d\u00e2n, th\u1ebb c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n, b\u1eb1ng \u0111\u1ea1i h\u1ecdc, gi\u1ea5y ph\u00e9p l\u00e1i xe, s\u1ed5 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, th\u1ebb sinh vi\u00ean,… \u0110\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng th\u1ee9 \u0111\u1ec3 c\u00f3 th\u1ec3 c\u1ea7m c\u1ed1 theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015. Nh\u01b0ng nhi\u1ec1u ng\u01b0\u1eddi \u0111ang c\u00e3i r\u1eb1ng, kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ea5m ti\u1ec7m c\u1ea7m \u0111\u1ed3 cho vay kh\u00f4ng d\u1ef1a tr\u00ean c\u01a1 s\u1edf c\u1ea7m \u0111\u1ed3. C\u00f3 th\u1ec3 n\u00f3i, ch\u00ednh c\u00e1i t\u00ean \u201cc\u1ea7m \u0111\u1ed3\u201d \u0111\u00e3 n\u00f3i l\u00ean t\u1ea5t c\u1ea3, t\u1ee9c l\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1 \u0111\u1ed9ng s\u1ea3n. Vi\u1ec7c cho vay v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi c\u1ea7m \u0111\u1ed3, kh\u00f4ng d\u1ef1a ho\u00e0n to\u00e0n v\u00e0o t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i <\/a><\/a><\/a><\/a>kho\u1ea3n 2, \u0110i\u1ec1u 8 v\u1ec1 \u201cQuy\u1ec1n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d, Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010: \u201cNghi\u00eam c\u1ea5m c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/em>..\u201d.<\/p>\n

N\u1ebfu nh\u01b0 kh\u00f4ng nh\u1eadn di\u1ec7n r\u00f5 c\u00e1c d\u1ea1ng vi ph\u1ea1m li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay \u0111ang di\u1ec5n ra m\u1ecdt c\u00e1ch c\u00f4ng khai, tr\u00e0n lan, ph\u1ed5 bi\u1ebfn hi\u1ec7n nay th\u00ec c\u0169ng kh\u00f3 c\u00f3 th\u1ec3 x\u1eed l\u00fd vi ph\u1ea1m ph\u00e1p lu\u1eadt n\u00f3i chung v\u00e0 n\u1ea1n t\u00edn d\u1ee5ng \u0111en n\u00f3i ri\u00eang.<\/p>\n

———————————-<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/h5>\n

FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n

\u0110T: 090.345.9070<\/em><\/p>\n

———————<\/p>\n

B\u00e0i vi\u1ebft g\u1eedi Th\u1eddi b\u00e1o Kinh t\u1ebf SG, HN 09-12-2018:<\/em><\/strong><\/h4>\n

X\u1eed l\u00fd t\u00edn d\u1ee5ng \u0111en <\/strong><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/strong><\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/strong><\/p>\n

T\u00edn d\u1ee5ng \u0111en l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 nh\u1ee9c nh\u1ed1i l\u00e2u nay \u0111\u1ed1i v\u1edbi cu\u1ed9c s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 an ninh, tr\u1eadt t\u1ef1 x\u00e3 h\u1ed9i. X\u00e1c \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 t\u00edn d\u1ee5ng \u0111en kh\u00f4ng kh\u00f3, tuy nhi\u00ean l\u1ea1i g\u1eb7p ph\u1ea3i m\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc ph\u00e1p lu\u1eadt trong vi\u1ec7c x\u1eed l\u00fd vi ph\u1ea1m.<\/em><\/h4>\n
D\u1ea5u hi\u1ec7u c\u1ee7a t\u00edn d\u1ee5ng \u0111en<\/strong><\/h5>\n

M\u1ed9t c\u00f4ng ty n\u00e0o \u0111\u00f3 cho vay m\u00e0 kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay th\u00ec \\c\u00f2n ch\u01b0a th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng \u0111\u00f3 l\u00e0 vi\u1ec7c cho vay h\u1ee3p ph\u00e1p hay b\u1ea5t h\u1ee3p ph\u00e1p v\u00e0 c\u00e0ng ch\u01b0a th\u1ec3 g\u1ecdi \u0111\u00f3 l\u00e0 t\u00edn d\u1ee5ng \u0111en. V\u1eady th\u00ec khi n\u00e0o m\u1edbi g\u1ecdi l\u00e0 t\u00edn d\u1ee5ng \u0111en, trong khi ph\u00e1p lu\u1eadt kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u n\u00e0y?<\/p>\n

C\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00edn d\u1ee5ng \u0111en l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, nh\u01b0ng th\u01b0\u1eddng l\u00e0 c\u00f3 \u00edt nh\u1ea5t 2 trong s\u1ed1 3 y\u1ebfu t\u1ed1 b\u1ea5t h\u1ee3p ph\u00e1p l\u00e0: Cho vay b\u1ea5t h\u1ee3p ph\u00e1p, l\u00e3i su\u1ea5t tr\u00e1i lu\u1eadt v\u00e0 \u0111\u00f2i n\u1ee3 ph\u1ea1m ph\u00e1p.<\/p>\n

Cho vay b\u1ea5t h\u1ee3p ph\u00e1p l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay th\u01b0\u1eddng xuy\u00ean, v\u1edbi m\u1ee5c \u0111\u00edch kinh doanh, nh\u01b0ng kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh v\u1ec1 d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ho\u1eb7c c\u1ea7m \u0111\u1ed3.<\/p>\n

L\u00e3i su\u1ea5t tr\u00e1i lu\u1eadt l\u00e0 m\u1ee9c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015. Tuy nhi\u00ean, t\u00edn d\u1ee5ng \u0111en th\u00ec th\u01b0\u1eddng l\u00e0 l\u00e3i su\u1ea5t cao g\u1ea5p \u0111\u00f4i m\u1ee9c n\u00e0y tr\u1edf l\u00ean. \u0110i\u1ec3n h\u00ecnh l\u00e0 v\u1ee5 \u00e1n \u201ccho vay l\u00e3i n\u1eb7ng\u201d c\u1ee7a \u201cT\u1eadp \u0111o\u00e0n Nam Long\u201d \u0111ang \u0111\u01b0\u1ee3c \u0111i\u1ec1u tra \u0111\u00e3 c\u00f3 nh\u1eefng kho\u1ea3n vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 1.043%\/n\u0103m (2,857%ng\u00e0y). C\u00f2n n\u1ebfu ch\u1ec9 cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng nhi\u1ec1u, th\u00ec m\u1eb7c d\u00f9 l\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt nh\u01b0ng c\u0169ng ch\u01b0a n\u00ean coi l\u00e0 t\u00edn d\u1ee5ng \u0111en.<\/p>\n

\u0110\u00f2i n\u1ee3 ph\u1ea1m ph\u00e1p l\u00e0 vi\u1ec7c b\u00ean cho vay ho\u1eb7c th\u00f4ng qua b\u00ean th\u1ee9 ba \u0111\u00f2i n\u1ee3 b\u1eb1ng c\u00e1ch g\u00e2y s\u1ee9c \u00e9p ki\u1ec3u \u0111e do\u1ea1, c\u01b0\u1ee1ng \u00e9p, kh\u1ee7ng b\u1ed1 tinh th\u1ea7n, x\u00fac ph\u1ea1m danh d\u1ef1, nh\u00e2n ph\u1ea9m, s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 th\u00e2n nh\u00e2n h\u1ecd.<\/p>\n

Nh\u01b0 v\u1eady, tuy c\u00e1 nh\u00e2n hay ph\u00e1p nh\u00e2n n\u00e0o \u0111\u00f3 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, nh\u01b0ng ch\u1ec9 cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 20%\/n\u0103m v\u00e0 kh\u00f4ng \u0111\u00f2i n\u1ee3 ph\u1ea1m ph\u00e1p th\u00ec c\u0169ng ch\u01b0a th\u1ec3 g\u1ecdi l\u00e0 t\u00edn d\u1ee5ng \u0111en. Hay n\u1ebfu ai \u0111\u00f3 ch\u1ec9 cho ng\u01b0\u1eddi kh\u00e1c vay m\u1ed9t v\u00e0i tri\u1ec7u \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t 100%\/n\u0103m c\u0169ng ch\u01b0a \u0111\u1ebfn m\u1ee9c l\u00e0 t\u00edn d\u1ee5ng \u0111en.<\/p>\n

X\u1eed l\u00fd t\u00edn d\u1ee5ng \u0111en<\/strong><\/h5>\n

Ngo\u00e0i c\u00e1c l\u00fd do nh\u01b0 nhu c\u1ea7u vay v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n r\u1ea5t l\u1edbn, l\u1ee3i nhu\u1eadn t\u00edn d\u1ee5ng \u0111en r\u1ea5t cao hay th\u01b0\u1eddng c\u00f3 s\u1ef1 b\u1ea3o k\u00ea,… th\u00ec c\u00f2n m\u1ed9t trong c\u00e1c nguy\u00ean nh\u00e2n ch\u00ednh d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en ho\u00e0nh h\u00e0nh l\u00e0 do c\u00f3 s\u1ef1 b\u1ea5t c\u1eadp c\u1ee7a ph\u00e1p lu\u1eadt, d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f3 x\u1eed l\u00fd vi ph\u1ea1m.<\/p>\n

V\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t, th\u00ec ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, d\u1eabn \u0111\u1ebfn h\u1ea7u h\u1ebft giao d\u1ecbch cho vay ngo\u00e0i ng\u00e2n h\u00e0ng \u0111\u1ec1u vi ph\u1ea1m, ch\u1ee9 kh\u00f4ng ch\u1ec9 c\u00f3 t\u00edn d\u1ee5ng \u0111en. Tr\u01b0\u1edbc \u0111\u00e2y, \u0111i\u1ec1u 473, B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 1995 \u0111\u00e3 t\u1eebng quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay b\u00ean ngo\u00e0i cao h\u01a1n 1,5 l\u1ea7n so v\u1edbi ng\u00e2n h\u00e0ng. Th\u00f4ng t\u01b0 li\u00ean b\u1ed9 s\u1ed1 02\/TT-LB ng\u00e0y 03-10-1995 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 B\u1ed9 Th\u01b0\u01a1ng m\u1ea1i \u201cH\u01b0\u1edbng d\u1eabn kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3\u201d c\u0169ng \u0111\u00e3 t\u1eebng cho ph\u00e9p l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 cao nh\u1ea5t g\u1ea5p h\u01a1n 3 l\u1ea7n tr\u1ea7n l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng. Nh\u01b0ng hi\u1ec7n nay, trong khi l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 50 \u2013 70%\/n\u0103m, th\u00ec l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 n\u00f3i ri\u00eang v\u00e0 cho vay ngo\u00e0i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng n\u00f3i chung l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 20%\/n\u0103m (tr\u01b0\u1edbc n\u0103m 2017 l\u00e0 kh\u00f4ng qu\u00e1 13,5%\/n\u0103m).<\/p>\n

V\u1ec1 vi\u1ec7c x\u1eed l\u00fd h\u00e0nh ch\u00ednh, th\u00ec \u0111ang b\u1ecb v\u01b0\u1edbng m\u1eafc theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 11 v\u1ec1 \u201cVi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd ng\u00e0nh, ngh\u1ec1 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 167\/2013\/N\u0110-CP ng\u00e0y 12-11-2013 c\u1ee7a Ch\u00ednh ph\u1ee7. C\u1ee5 th\u1ec3 l\u00e0 h\u00e0nh vi cho vay c\u1ea7m \u0111\u1ed3 m\u00e0 kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p ho\u1eb7c cho vay c\u1ea7m \u0111\u1ed3 m\u00e0 l\u00e3i su\u1ea5t \u201cv\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m cho vay\u201d th\u00ec c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t t\u1eeb 5 – 15 tri\u1ec7u \u0111\u1ed3ng. Tuy nhi\u00ean, vi ph\u1ea1m v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i cho vay kh\u00e1c nh\u01b0 t\u00edn ch\u1ea5p, th\u1ebf ch\u1ea5p,\u2026 th\u00ec l\u1ea1i kh\u00f4ng x\u1eed ph\u1ea1t \u0111\u01b0\u1ee3c. Th\u1eadm ch\u00ed c\u00f2n kh\u00f4ng x\u1eed ph\u1ea1t \u0111\u01b0\u1ee3c cho vay c\u1ea7m \u0111\u1ed3 v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t, v\u00ec quy \u0111\u1ecbnh \u201cv\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2017 theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

V\u1ec1 vi\u1ec7c x\u1eed l\u00fd h\u00ecnh s\u1ef1, tr\u01b0\u1edbc \u0111\u00e2y r\u1ea5t kh\u00f3 k\u1ebft t\u1ed9i cho vay l\u00e3i n\u1eb7ng theo B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1 n\u0103m 1999, v\u00ec ph\u1ea3i x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c 2 y\u1ebfu t\u1ed1 l\u00e0 \u201ccho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh t\u1eeb m\u01b0\u1eddi l\u1ea7n tr\u1edf l\u00ean\u201d v\u00e0 ph\u1ea3i \u201cc\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d. C\u1ea3 hai y\u1ebfu t\u1ed1 n\u00e0y \u0111\u1ec1u kh\u00f4ng d\u1ec3 x\u00e1c \u0111\u1ecbnh. V\u00ec m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t \u0111\u00e3 li\u00ean t\u1ee5c thay \u0111\u1ed5i tr\u00ean th\u1ef1c t\u1ebf. Ch\u1eb3ng h\u1ea1n trong th\u1eddi k\u1ef3 t\u1eeb 2006 \u0111\u1ebfn 2010, m\u1ed7i th\u00e1ng l\u00e3i su\u1ea5t cao nh\u1ea5t c\u00f3 th\u1ec3 thay \u0111\u1ed5i m\u1ed9t l\u1ea7n theo s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. T\u1eeb n\u0103m 2011 \u0111\u1ebfn nay, tuy l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n gi\u1eef nguy\u00ean, nh\u01b0ng m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng c\u0169ng \u0111\u00e3 c\u00f3 t\u1edbi 4 l\u1ea7n thay \u0111\u1ed5i v\u1edbi m\u1ee9c \u0111\u1ed9 qu\u00e1 kh\u00e1c nhau, \u0111\u00f3 l\u00e0 c\u00e1c m\u1ee9c 120, 135, 200 r\u1ed3i 100% nh\u01b0 bi\u1ec3u \u0111\u1ed3 d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n

Bi\u1ec3u \u0111\u1ed3 l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng<\/strong><\/h5>\n

T\u1eeb n\u0103m 2017 \u0111\u1ebfn nay, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201 c\u1ee7a B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1 n\u0103m 2015 th\u00ec \u0111\u00e3 d\u1ec5 d\u00e0ng x\u00e1c \u0111\u1ecbnh t\u1ed9i cho vay l\u00e3i n\u1eb7ng h\u01a1n. Theo \u0111\u00f3, n\u1ebfu cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb 100% tr\u1edf l\u00ean c\u00f9ng v\u1edbi vi\u1ec7c thu l\u1ee3i b\u1ea5t ch\u00ednh t\u1eeb 30 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean l\u00e0 c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t h\u00ecnh s\u1ef1, v\u1edbi m\u1ee9c ph\u1ea1t t\u00f9 cao nh\u1ea5t l\u00e0 5 n\u0103m.<\/p>\n

Tuy nhi\u00ean, c\u00e1i kh\u00f3 \u0111\u1ed1i v\u1edbi c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng khi x\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh ho\u1eb7c h\u00ecnh s\u1ef1 \u0111\u1ed1i v\u1edbi t\u00edn d\u1ee5ng \u0111en l\u00e0 ph\u1ea3i v\u1ea1ch tr\u1ea7n \u0111\u01b0\u1ee3c th\u1ee7 \u0111o\u1ea1n m\u00e0 k\u1ebb cho vay th\u01b0\u1eddng t\u00edm m\u1ecdi c\u00e1ch h\u1ee3p th\u1ee9c ho\u00e1 m\u1ee9c l\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng kh\u00f4ng v\u01b0\u1ee3t tr\u1ea7n 20% ho\u1eb7c 100%\/n\u0103m.<\/p>\n

———————————-<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong>","protected":false},"excerpt":{"rendered":"

Nh\u1eadn di\u1ec7n t\u00edn d\u1ee5ng \u0111en B\u00e0i vi\u1ebft g\u1eedi Th\u1eddi b\u00e1o Kinh t\u1ebf SG, HN 09-12-2018: Nh\u1eadn di\u1ec7n t\u00edn d\u1ee5ng \u0111en Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC B\u00e0i n\u00e0y ti\u1ebfp t\u1ee5c ph\u00e2n t\u00edch s\u00e2u r\u1ed9ng h\u01a1n v\u1ec1 y\u1ebfu t\u1ed1 th\u1ee9 nh\u1ea5t trong s\u1ed1 3 y\u1ebfu t\u1ed1 nh\u1eadn […]<\/p>\n","protected":false},"author":7,"featured_media":5367,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,48,49,36],"class_list":["post-4489","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-hanh-chinh","tag-luat-su-hinh-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n245A. 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