{"id":4565,"date":"2017-06-20T08:47:59","date_gmt":"2017-06-20T01:47:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4565"},"modified":"2024-10-31T16:09:14","modified_gmt":"2024-10-31T09:09:14","slug":"219-cham-khoi-kien-mat-quyen-doi-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/219-cham-khoi-kien-mat-quyen-doi-no\/","title":{"rendered":"219. Ch\u1eadm kh\u1edfi ki\u1ec7n m\u1ea5t quy\u1ec1n \u0111\u00f2i n\u1ee3"},"content":{"rendered":"

Ch\u1eadm kh\u1edfi ki\u1ec7n m\u1ea5t quy\u1ec1n \u0111\u00f2i n\u1ee3<\/span><\/h4>\n
(\u0110TCK) – Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ee5 \u00e1n d\u00e2n s\u1ef1 n\u00f3i chung, v\u1ee5 ki\u1ec7n \u0111\u00f2i ti\u1ec1n cho vay n\u00f3i ri\u00eang t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay nh\u01b0 m\u1ed9t c\u00e1i b\u1eaby ph\u00e1p l\u00fd. N\u1ebfu \u0111\u1ec3 qu\u00e1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n th\u00ec ng\u01b0\u1eddi cho vay s\u1ebd m\u1ea5t quy\u1ec1n kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 t\u1ea1i to\u00e0 \u00e1n v\u00e0 tr\u1ecdng t\u00e0i. T\u1ee9c l\u00e0, b\u00ean cho vay coi nh\u01b0 m\u1ea5t tr\u1eafng c\u1ea3 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i, c\u00f2n b\u00ean \u0111i vay th\u00ec nghi\u1ec5m nhi\u00ean \u0111\u01b0\u1ee3c xo\u00e1 n\u1ee3 m\u1ed9t c\u00e1ch h\u1ee3p ph\u00e1p.<\/strong><\/h5>\n

\"Ch\u1eadm<\/p>\n

Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n n\u00f3i chung, kh\u1edfi ki\u1ec7n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n cho vay n\u00f3i ri\u00eang \u0111\u00e3 b\u1ecb thay \u0111\u1ed5i qu\u00e1 nhi\u1ec1u, g\u00e2y ra kh\u00f3 kh\u0103n v\u00e0 r\u1ee7i ro ph\u00e1p l\u00fd trong vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p<\/p>\n

Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n thay \u0111\u1ed5i qu\u00e1 nhi\u1ec1u<\/strong><\/h5>\n

Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u00e0 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2015, c\u00e1c h\u1ee3p \u0111\u1ed3ng cho vay t\u00e0i s\u1ea3n n\u00f3i chung, cho vay ti\u1ec1n n\u00f3i ri\u00eang, n\u1ebfu qu\u00e1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n s\u1ebd c\u00f3 nguy c\u01a1 m\u1ea5t quy\u1ec1n \u0111\u00f2i n\u1ee3.<\/p>\n

Tuy nhi\u00ean, trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u01b0\u1ee3c ph\u00e9p k\u00e9o d\u00e0i h\u01a1n. \u0110\u00f3 l\u00e0 m\u1ed9t s\u1ed1 qu\u00e3ng th\u1eddi gian x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea5t kh\u1ea3 kh\u00e1ng ho\u1eb7c tr\u1edf ng\u1ea1i kh\u00e1ch quan. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u0169ng quy \u0111\u1ecbnh, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u01b0\u1ee3c t\u00ednh l\u1ea1i t\u1eeb \u0111\u1ea7u, n\u1ebfu b\u00ean c\u00f3 ngh\u0129a v\u1ee5 \u0111\u00e3 th\u1ef1c hi\u1ec7n xong m\u1ed9t ph\u1ea7n hay \u0111\u00e3 th\u1eeba nh\u1eadn m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi kh\u1edfi ki\u1ec7n ho\u1eb7c c\u00e1c b\u00ean \u0111\u00e3 t\u1ef1 ho\u00e0 gi\u1ea3i v\u1edbi nhau.<\/p>\n

Trong kho\u1ea3ng 25 n\u0103m qua, \u0111\u00e3 c\u00f3 \u00edt nh\u1ea5t 6 l\u1ea7n thay \u0111\u1ed5i v\u1ec1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng n\u00f3i chung v\u00e0 h\u1ee3p \u0111\u1ed3ng cho vay n\u00f3i ri\u00eang, v\u1edbi th\u1eddi hi\u1ec7u l\u1ea7n l\u01b0\u1ee3t l\u00e0 v\u00f4 h\u1ea1n, 3 n\u0103m, 6 th\u00e1ng, 2 n\u0103m, v\u00f4 h\u1ea1n, 2 n\u0103m v\u00e0 chu\u1ea9n b\u1ecb l\u00e0 3 n\u0103m ho\u1eb7c v\u00f4 h\u1ea1n. Ngo\u00e0i ra, c\u00f2n nhi\u1ec1u th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n kh\u00e1c \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i m\u1ed9t s\u1ed1 \u0111\u1ea1o lu\u1eadt chuy\u00ean ng\u00e0nh.<\/p>\n

Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m 1\/7\/1991. Trong kho\u1ea3ng 5 n\u0103m sau \u0111\u00f3, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n l\u00e0 3 n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 56, Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 n\u0103m 1991. Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n l\u00e0 6 th\u00e1ng n\u1ebfu ki\u1ec7n \u0111\u00f2i n\u1ee3 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 31, Ph\u00e1p l\u1ec7nh Th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ee5 \u00e1n kinh t\u1ebf n\u0103m 1994 v\u00e0 k\u00e9o d\u00e0i trong kho\u1ea3ng 12 n\u0103m, t\u1eeb 1\/7\/1994 \u0111\u1ebfn 30\/6\/2006.<\/p>\n

Ti\u1ebfp theo, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf trong giai \u0111o\u1ea1n 10 n\u0103m, t\u1eeb 1\/7\/1996 \u0111\u1ebfn 30\/6\/2006, do B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 v\u00e0 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004 \u0111\u1ec1u kh\u00f4ng quy \u0111\u1ecbnh th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n c\u1ee5 th\u1ec3.<\/p>\n

Sau \u0111\u00f3, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n d\u00e2n s\u1ef1 hay kinh t\u1ebf, th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u l\u00e0 2 n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 21, Ph\u00e1p l\u1ec7nh Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2003; \u0110i\u1ec1u 427, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005; \u0110i\u1ec1u 319, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 2005; \u0110i\u1ec1u 33, Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2010; \u0110i\u1ec1u 159, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i n\u0103m 2011). Trong giai \u0111o\u1ea1n n\u00e0y, To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao t\u1eebng c\u00f3 c\u00f4ng v\u0103n v\u00e0 m\u1ed9t s\u1ed1 b\u1ea3n \u00e1n (nh\u01b0 B\u1ea3n \u00e1n gi\u00e1m \u0111\u1ed1c th\u1ea9m s\u1ed1 08\/2003\/H\u0110TP-KT ng\u00e0y 29\/5\/2003 c\u1ee7a H\u1ed9i \u0111\u1ed3ng th\u1ea9m ph\u00e1n T\u00f2a \u00e1n d\u00e2n d\u00e2n t\u1ed1i cao) h\u01b0\u1edbng d\u1eabn kh\u00f4ng \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ee5 ki\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n

T\u1eeb 1\/1\/2012, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004.<\/p>\n

T\u1eeb ng\u00e0y 1\/7\/2016 tr\u1edf \u0111i, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 l\u00e0 v\u00f4 th\u1eddi h\u1ea1n hay 2 n\u0103m ho\u1eb7c 3 n\u0103m (t\u1eeb n\u0103m 2017), m\u1ed9t l\u1ea7n n\u1eefa tr\u1edf l\u00ean t\u00f9 m\u00f9, r\u1eafc r\u1ed1i.<\/p>\n

\u1ea8n s\u1ed1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n<\/strong><\/h5>\n

Hi\u1ec7n nay, \u0111ang c\u00f3 quan \u0111i\u1ec3m kh\u00e1c nhau v\u1ec1 vi\u1ec7c c\u00f3 hay kh\u00f4ng c\u00f3 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi v\u1ee5 ki\u1ec7n \u0111\u00f2i n\u1ee3 cho vay.<\/p>\n

\u0110i\u1ec1u 155 v\u1ec1 \u201cKh\u00f4ng \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 ch\u1ec9 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c kh\u00f4ng \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ec1 \u201cy\u00eau c\u1ea7u b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu\u201d v\u00e0 \u0111\u00e3 b\u1ecf \u0111i tr\u01b0\u1eddng h\u1ee3p \u201c\u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n do ng\u01b0\u1eddi kh\u00e1c qu\u1ea3n l\u00fd, chi\u1ebfm h\u1eefu\u201d \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 159, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2011).<\/p>\n

B\u00ean cho vay c\u0169ng kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 \u00e1p d\u1ee5ng quy \u0111\u1ecbnh v\u1ec1 \u0111\u00f2i l\u1ea1i \u201cquy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n\u201d \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p cho vay ti\u1ec1n, v\u00ec kh\u00e1c v\u1edbi cho m\u01b0\u1ee3n t\u00e0i s\u1ea3n, sau khi giao nh\u1eadn t\u00e0i s\u1ea3n vay, b\u00ean cho vay kh\u00f4ng c\u00f2n \u201cquy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n\u201d vay, m\u00e0 \u201cb\u00ean vay tr\u1edf th\u00e0nh ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n vay k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m nh\u1eadn t\u00e0i s\u1ea3n \u0111\u00f3\u201d, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 464 v\u1ec1 \u201cQuy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

V\u00ec v\u1eady, n\u1ebfu theo \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh tr\u00ean, th\u00ec th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay n\u00f3i ri\u00eang v\u00e0 t\u00e0i s\u1ea3n cho vay n\u00f3i chung s\u1ebd l\u00e0 3 n\u0103m (gi\u1ed1ng v\u1edbi 20 n\u0103m tr\u01b0\u1edbc kia v\u00e0 kh\u00e1c v\u1edbi 10 n\u0103m g\u1ea7n \u0111\u00e2y).<\/p>\n

C\u00f3 m\u1ed9t \u0111i\u1ec3m kh\u00e1c v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y, l\u00e0 th\u1eddi h\u1ea1n n\u00e0y thay v\u00ec t\u00ednh t\u1eeb khi x\u1ea3y ra tranh ch\u1ea5p nh\u01b0 tr\u01b0\u1edbc, th\u00ec s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh \u201ct\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\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 429, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/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<\/strong><\/h5>\n

(1.009\/1.009)<\/em><\/p>\n

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\nB\u00e0i vi\u1ebft g\u1eedi \u0111\u0103ng \u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 10-6-2017<\/strong><\/em><\/p>\n

\u00a0<\/strong><\/p>\n

CH\u1eacM KH\u1edeI KI\u1ec6N M\u1ea4T QUY\u1ec0N \u0110\u00d2I N\u1ee2<\/strong><\/h4>\n

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

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

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

Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ee5 \u00e1n d\u00e2n s\u1ef1 n\u00f3i chung, v\u1ee5 ki\u1ec7n \u0111\u00f2i ti\u1ec1n cho vay n\u00f3i ri\u00eang t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay lu\u00f4n nh\u01b0 m\u1ed9t c\u00e1i b\u1eaby ph\u00e1p l\u00fd qu\u00e1 ph\u1ee9c t\u1ea1p. <\/em>N\u1ebfu \u0111\u1ec3 qu\u00e1 th\u1eddi<\/em> hi\u1ec7u kh\u1edfi ki\u1ec7n, th\u00ec ng\u01b0\u1eddi cho vay s\u1ebd m\u1ea5t quy\u1ec1n kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 t\u1ea1i To\u00e0 \u00e1n v\u00e0 Tr\u1ecdng t\u00e0i. T\u1ee9c l\u00e0, b\u00ean cho vay coi nh\u01b0 m\u1ea5t tr\u1eafng c\u1ea3 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i, c\u00f2n b\u00ean \u0111i vay th\u00ec nghi\u1ec5m nhi\u00ean \u0111\u01b0\u1ee3c xo\u00e1 n\u1ee3 m\u1ed9t c\u00e1ch h\u1ee3p ph\u00e1p.<\/em><\/p>\n

Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n<\/strong><\/h5>\n

Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u00e0 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2015 th\u00ec th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay theo quy \u0111\u1ecbnh \u0110i\u1ec1u 429, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 \u0111\u00e3 c\u00f3 thay \u0111\u1ed5i c\u01a1 b\u1ea3n so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y. Nh\u01b0 v\u1eady, c\u00e1c h\u1ee3p \u0111\u1ed3ng cho t\u00e0i s\u1ea3n n\u00f3i chung, cho vay ti\u1ec1n n\u00f3i ri\u00eang, n\u1ebfu qu\u00e1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n th\u00ec s\u1ebd c\u00f3 nguy c\u01a1 m\u1ea5t quy\u1ec1n \u0111\u00f2i n\u1ee3.<\/p>\n

Tuy nhi\u00ean, trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u01b0\u1ee3c ph\u00e9p k\u00e9o d\u00e0i h\u01a1n. \u0110\u00f3 l\u00e0 m\u1ed9t s\u1ed1 qu\u00e3ng th\u1eddi gian x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea5t kh\u1ea3 kh\u00e1ng ho\u1eb7c tr\u1edf ng\u1ea1i kh\u00e1ch quan. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u0169ng quy \u0111\u1ecbnh, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u01b0\u1ee3c t\u00ednh l\u1ea1i t\u1eeb \u0111\u1ea7u, n\u1ebfu b\u00ean c\u00f3 ngh\u0129a v\u1ee5 \u0111\u00e3 th\u1ef1c hi\u1ec7n xong m\u1ed9t ph\u1ea7n hay \u0111\u00e3 th\u1eeba nh\u1eadn m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi kh\u1edfi ki\u1ec7n ho\u1eb7c c\u00e1c b\u00ean \u0111\u00e3 t\u1ef1 ho\u00e0 gi\u1ea3i v\u1edbi nhau.<\/p>\n

Thay \u0111\u1ed5i qu\u00e1 nhi\u1ec1u<\/strong><\/h5>\n

Trong kho\u1ea3ng 25 n\u0103m qua, \u0111\u00e3 c\u00f3 \u00edt nh\u1ea5t 6 l\u1ea7n thay \u0111\u1ed5i v\u1ec1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng n\u00f3i chung v\u00e0 h\u1ee3p \u0111\u1ed3ng cho vay n\u00f3i ri\u00eang, v\u1edbi th\u1eddi hi\u1ec7u l\u1ea7n l\u01b0\u1ee3t l\u00e0 v\u00f4 h\u1ea1n, 3 n\u0103m, 6 th\u00e1ng, 2 n\u0103m, v\u00f4 h\u1ea1n, 2 n\u0103m v\u00e0 chu\u1ea9n b\u1ecb l\u00e0 3 n\u0103m ho\u1eb7c v\u00f4 h\u1ea1n. Ngo\u00e0i ra, c\u00f2n nhi\u1ec1u th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n kh\u00e1c \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i m\u1ed9t s\u1ed1 \u0111\u1ea1o lu\u1eadt chuy\u00ean ng\u00e0nh.<\/p>\n

Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m 01-7-1991. Trong kho\u1ea3ng 5 n\u0103m sau \u0111\u00f3, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n l\u00e0 3 n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 56, Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 n\u0103m 1991. Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n ch\u1ec9 l\u00e0 6 th\u00e1ng n\u1ebfu l\u00e0 ki\u1ec7n \u0111\u00f2i n\u1ee3 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 31, Ph\u00e1p l\u1ec7nh Th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ee5 \u00e1n kinh t\u1ebf n\u0103m 1994 v\u00e0 k\u00e9o d\u00e0i trong kho\u1ea3ng 12 n\u0103m, t\u1eeb 01-7-1994 \u0111\u1ebfn 30-6-2006,<\/p>\n

Ti\u1ebfp theo, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 l\u1ea1i kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf trong giai \u0111o\u1ea1n 10 n\u0103m t\u1eeb 01-7-1996 \u0111\u1ebfn 30-6-2006, do B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 v\u00e0 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004 \u0111\u1ec1u \u201cqu\u00ean\u201d kh\u00f4ng quy \u0111\u1ecbnh th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n c\u1ee5 th\u1ec3.<\/p>\n

Sau \u0111\u00f3, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n d\u00e2n s\u1ef1 hay kinh t\u1ebf, th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u l\u00e0 2 n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 21, Ph\u00e1p l\u1ec7nh Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2003; \u0110i\u1ec1u 427, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005; \u0110i\u1ec1u 319, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 2005; \u0110i\u1ec1u 33, Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2010; \u0110i\u1ec1u 159, B\u1ed9 lu\u1eadt T\u1ee5ng d\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i n\u0103m 2011). Trong giai \u0111o\u1ea1n n\u00e0y, To\u00e0 \u00e1n Nh\u00e2n d\u00e2n t\u1ed1i cao \u0111\u00e3 t\u1eebng c\u00f3 C\u00f4ng v\u0103n v\u00e0 m\u1ed9t s\u1ed1 b\u1ea3n \u00e1n (nh\u01b0 B\u1ea3n \u00e1n gi\u00e1m \u0111\u1ed1c th\u1ea9m s\u1ed1 08\/2003\/H\u0110TP-KT ng\u00e0y 29-5-2003 c\u1ee7a H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n TAND T\u1ed1i cao) h\u01b0\u1edbng d\u1eabn kh\u00f4ng \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ee5 ki\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n

T\u1eeb 01-01-2012 tr\u1edf \u0111i, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 l\u1ea1i kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 (n\u0103m 2004).<\/p>\n

V\u00e0 t\u1eeb ng\u00e0y 01-7-2016 tr\u1edf \u0111i, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 v\u1eabn l\u00e0 v\u00f4 th\u1eddi h\u1ea1n hay l\u00e0 2 n\u0103m ho\u1eb7c 3 n\u0103m (t\u1eeb n\u0103m 2017), th\u00ec l\u1ea1i m\u1ed9t l\u1ea7n n\u1eefa tr\u1edf l\u00ean t\u00f9 m\u00f9, r\u1eafc r\u1ed1i.<\/p>\n

\u1ea8n s\u1ed1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n<\/strong><\/h5>\n

Hi\u1ec7n nay, \u0111ang c\u00f3 quan \u0111i\u1ec3m kh\u00e1c nhau v\u1ec1 vi\u1ec7c c\u00f3 hay kh\u00f4ng c\u00f3 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi v\u1ee5 ki\u1ec7n \u0111\u00f2i n\u1ee3 cho vay.<\/p>\n

\u0110i\u1ec1u 155 v\u1ec1 \u201cKh\u00f4ng \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 ch\u1ec9 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c kh\u00f4ng \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ec1 \u201cy\u00eau c\u1ea7u b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu\u201d v\u00e0 \u0111\u00e3 b\u1ecf \u0111i tr\u01b0\u1eddng h\u1ee3p \u201c\u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n do ng\u01b0\u1eddi kh\u00e1c qu\u1ea3n l\u00fd, chi\u1ebfm h\u1eefu\u201d \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 159, B\u1ed9 lu\u1eadt T\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2011). B\u00ean cho vay c\u0169ng kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 \u00e1p d\u1ee5ng quy \u0111\u1ecbnh v\u1ec1 \u0111\u00f2i l\u1ea1i \u201cquy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n\u201d \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p cho vay ti\u1ec1n, v\u00ec kh\u00e1c v\u1edbi cho m\u01b0\u1ee3n t\u00e0i s\u1ea3n, <\/em>sau khi giao nh\u1eadn t\u00e0i s\u1ea3n vay, th\u00ec b\u00ean cho vay kh\u00f4ng c\u00f2n \u201cquy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n\u201d vay, m\u00e0 \u201cB\u00ean vay tr\u1edf th\u00e0nh ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n vay k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m nh\u1eadn t\u00e0i s\u1ea3n \u0111\u00f3\u201d, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 464 v\u1ec1 “Quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

V\u00ec v\u1eady, n\u1ebfu theo \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh tr\u00ean, th\u00ec th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay n\u00f3i ri\u00eang v\u00e0 t\u00e0i s\u1ea3n cho vay n\u00f3i chung s\u1ebd l\u00e0 3 n\u0103m (gi\u1ed1ng v\u1edbi 20 n\u0103m tr\u01b0\u1edbc kia v\u00e0 kh\u00e1c v\u1edbi 10 n\u0103m g\u1ea7n \u0111\u00e2y). C\u00f3 m\u1ed9t \u0111i\u1ec3m kh\u00e1c v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y, l\u00e0 th\u1eddi h\u1ea1n n\u00e0y thay v\u00ec t\u00ednh t\u1eeb khi x\u1ea3y ra tranh ch\u1ea5p nh\u01b0 tr\u01b0\u1edbc, th\u00ec s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh \u201ct\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\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 429, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

T\u00f3m l\u1ea1i, th\u1edfi hi\u1ec7u kh\u1edfi ki\u1ec7n n\u00f3i chung, kh\u1edfi ki\u1ec7n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n cho vay n\u00f3i ri\u00eang, \u0111\u00e3 b\u1ecb thay \u0111\u1ed5i qu\u00e1 nhi\u1ec1u, kh\u00f4ng d\u1ef1a tr\u00ean b\u1ea5t k\u1ef3 c\u01a1 s\u1edf khoa h\u1ecdc c\u0169ng nh\u01b0 th\u1ef1c ti\u1ec5n n\u00e0o, \u0111\u1ed3ng th\u1eddi lu\u00f4n l\u00e0 n\u1ed7i \u00e1m \u1ea3nh nh\u1ee9c nh\u1ed1i v\u00e0 g\u00e2y ra r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n v\u00e0 r\u1ee7i ro ph\u00e1p l\u00fd trong vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p.<\/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><\/p>\n

—————<\/p>\n

\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n (Ti\u1ec1n t\u1ec7) 20-6-2017:<\/em><\/strong><\/p>\n

http:\/\/tinnhanhchungkhoan.vn\/tien-te\/cham-khoi-kien-mat-quyen-doi-no-191349.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

Ch\u1eadm kh\u1edfi ki\u1ec7n m\u1ea5t quy\u1ec1n \u0111\u00f2i n\u1ee3 (\u0110TCK) – Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ee5 \u00e1n d\u00e2n s\u1ef1 n\u00f3i chung, v\u1ee5 ki\u1ec7n \u0111\u00f2i ti\u1ec1n cho vay n\u00f3i ri\u00eang t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay nh\u01b0 m\u1ed9t c\u00e1i b\u1eaby ph\u00e1p l\u00fd. N\u1ebfu \u0111\u1ec3 qu\u00e1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n th\u00ec ng\u01b0\u1eddi cho vay s\u1ebd m\u1ea5t quy\u1ec1n kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 […]<\/p>\n","protected":false},"author":7,"featured_media":4566,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50],"class_list":["post-4565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su"],"acf":[],"yoast_head":"\n219. 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