{"id":4590,"date":"2016-12-22T09:21:58","date_gmt":"2016-12-22T02:21:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4590"},"modified":"2024-11-01T14:17:15","modified_gmt":"2024-11-01T07:17:15","slug":"211-luat-thay-doi-bon-loai-lai-suat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/211-luat-thay-doi-bon-loai-lai-suat\/","title":{"rendered":"211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t."},"content":{"rendered":"

Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t<\/span><\/h4>\n
\u00a0<\/em><\/strong>(KTSG) – B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1-1-2017, c\u00f3 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh thay \u0111\u1ed5i r\u1ea5t \u0111\u00e1ng ch\u00fa \u00fd so v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 v\u1ec1 b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t, \u0111\u00f3 l\u00e0 l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c.<\/strong>\u00a0<\/em><\/strong><\/h5>\n
\"Lu\u1eadt

N\u1ebfu ph\u1ea3i \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20% c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec s\u1ebd r\u1ea5t phi th\u1ef1c t\u1ebf v\u00e0 tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nguy\u00ean t\u1eafc t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. \u1ea2nh: UY\u00caN VI\u1ec4N<\/p><\/div>\n

L\u00e3i su\u1ea5t cho vay<\/strong><\/h5>\n

Kho\u1ea3n 1, \u0111i\u1ec1u 476, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t vay ti\u1ec1n \u201cdo c\u00e1c b\u00ean th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d, t\u1ee9c l\u00e0 kh\u00f4ng qu\u00e1 13,5%\/n\u0103m k\u1ec3 t\u1eeb cu\u1ed1i n\u0103m 2010 \u0111\u1ebfn nay (l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 9%\/n\u0103m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2868\/Q\u0110-NHNN ng\u00e0y 29-11-2010 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc).<\/p>\n

C\u00f2n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0111i\u1ec1u 468 v\u1ec1 \u201cl\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, m\u1ee9c l\u00e3i su\u1ea5t vay ti\u1ec1n c\u0169ng theo th\u1ecfa thu\u1eadn, nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m (n\u1ebfu th\u1ecfa thu\u1eadn kh\u00f4ng r\u00f5 th\u00ec s\u1ebd l\u00e0 10%\/n\u0103m). Nh\u01b0 v\u1eady, t\u1eeb n\u0103m 2017, tr\u1ea7n l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c n\u1edbi th\u00eam t\u1edbi 6,5% (t\u1eeb 13,5% l\u00ean 20%\/n\u0103m). Tuy nhi\u00ean, v\u1eabn ch\u01b0a r\u00f5, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) th\u00ec c\u00f3 \u0111\u01b0\u1ee3c cho vay v\u01b0\u1ee3t m\u1ee9c l\u00e3i su\u1ea5t 20%\/n\u0103m hay kh\u00f4ng v\u1edbi quy \u0111\u1ecbnh m\u1edf r\u1ed9ng \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d.<\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 th\u00ec kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh ngo\u1ea1i tr\u1eeb, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, t\u00f2a \u00e1n th\u01b0\u1eddng v\u1eabn ch\u1ea5p nh\u1eadn c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng th\u1ecfa thu\u1eadn m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n 13,5%\/n\u0103m, th\u1eadm ch\u00ed c\u00f3 khi l\u00ean t\u1edbi 50-60%\/n\u0103m. Tuy nhi\u00ean, c\u0169ng c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, t\u00f2a \u00e1n kh\u00f4ng ch\u1ea5p nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 13,5%\/n\u0103m, nh\u01b0 b\u1ea3n \u00e1n ph\u00fac th\u1ea9m s\u1ed1 12\/2014\/KDTM-PT ng\u00e0y 8-12-2014 c\u1ee7a T\u00f2a \u00e1n Nh\u00e2n d\u00e2n t\u1ec9nh Qu\u1ea3ng Tr\u1ecb.<\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c c\u00e1c TCTD \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t cho vay kh\u00e1c cao h\u01a1n 20%\/n\u0103m. Kho\u1ea3n 2, \u0111i\u1ec1u 91 v\u1ec1 \u201cL\u00e3i su\u1ea5t, ph\u00ed trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a TCTD\u201d, Lu\u1eadt c\u00e1c TCTD n\u0103m 2010 ch\u1ec9 quy \u0111\u1ecbnh nh\u01b0 sau: \u201c2. TCTD v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a TCTD theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d. V\u00ec \u0111i\u1ec1u lu\u1eadt n\u00e0y kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c \u00e1p d\u1ee5ng m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1c cao h\u01a1n, n\u00ean ch\u01b0a \u0111\u1ee7 c\u01a1 s\u1edf ph\u00e1p l\u00fd ch\u1eafc ch\u1eafn \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng, TCTD \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m kh\u00e1c v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n\n\n\n
Nh\u01b0 v\u1eady, sau h\u00e0ng ch\u1ee5c n\u0103m v\u01b0\u1edbng m\u1eafc, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u1eabn ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong h\u1ea1n v\u00e0 qu\u00e1 h\u1ea1n kh\u00e1 ph\u1ee9c t\u1ea1p, kh\u00f3 hi\u1ec3u, t\u00f9 m\u00f9, b\u1ea5t c\u00f4ng, kh\u00f4ng h\u1ee3p l\u00fd v\u00e0 phi th\u1ef1c t\u1ebf.<\/em><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Tr\u00ean th\u1ef1c t\u1ebf m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y, nh\u00ecn chung l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng qu\u00e1 20%\/n\u0103m. Tuy nhi\u00ean, ri\u00eang l\u00e3i su\u1ea5t cho vay th\u00f4ng qua th\u1ebb t\u00edn d\u1ee5ng th\u00ec l\u1ea1i ph\u1ed5 bi\u1ebfn trong kho\u1ea3ng 20-35%\/n\u0103m, \u0111\u1eb7c bi\u1ec7t l\u00e0 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 20-40%, c\u00f3 khi l\u00ean \u0111\u1ebfn 50-70%. V\u00ec v\u1eady, n\u1ebfu ph\u1ea3i \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20% c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec s\u1ebd r\u1ea5t phi th\u1ef1c t\u1ebf v\u00e0 tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nguy\u00ean t\u1eafc t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng.<\/p>\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft v\u01b0\u1edbng m\u1eafc n\u00e0y, c\u1ea7n ph\u1ea3i c\u00f3 m\u1ed9t trong c\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh ho\u1eb7c gi\u1ea3i th\u00edch r\u00f5 vi\u1ec7c c\u00e1c TCTD \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cao h\u01a1n 20% nh\u01b0 sau: th\u1ee9 nh\u1ea5t l\u00e0 Qu\u1ed1c h\u1ed9i s\u1eeda \u0111\u1ed5i Lu\u1eadt c\u00e1c TCTD n\u0103m 2010 (cho ph\u00e9p \u00e1p d\u1ee5ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t chung) ho\u1eb7c s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 (quy \u0111\u1ecbnh l\u1ea1i d\u1ef1a v\u00e0o tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c TCTD). Th\u1ee9 hai l\u00e0 \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i gi\u1ea3i th\u00edch lu\u1eadt theo th\u1ea9m quy\u1ec1n. Th\u1ee9 ba l\u00e0 Ch\u00ednh ph\u1ee7 h\u01b0\u1edbng d\u1eabn b\u1eb1ng ngh\u1ecb \u0111\u1ecbnh ho\u1eb7c H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n T\u00f2a \u00e1n Nh\u00e2n d\u00e2n t\u1ed1i cao h\u01b0\u1edbng d\u1eabn b\u1eb1ng ngh\u1ecb quy\u1ebft. Th\u1ee9 t\u01b0 l\u00e0 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t trong th\u00f4ng t\u01b0. Tuy nhi\u00ean, ch\u1ec9 c\u00f3 hai ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u m\u1edbi b\u1ea3o \u0111\u1ea3m ch\u1eafc ch\u1eafn v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd.<\/p>\n

\u0110i\u1ec1u \u0111\u00e1ng ng\u1ea1i l\u00e0, d\u00f9 c\u00f3 h\u1ee3p th\u1ee9c h\u00f3a \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t cho vay v\u01b0\u1ee3t 20%\/n\u0103m c\u1ee7a c\u00e1c TCTD, th\u00ec v\u1eabn ti\u1ebfp t\u1ee5c g\u00e2y ra t\u00ecnh tr\u1ea1ng b\u1ea5t h\u1ee3p l\u00fd gi\u1eefa c\u00e1c ch\u1ee7 th\u1ec3 cho vay. V\u00ec l\u00e3i su\u1ea5t cho vay b\u00ean ngo\u00e0i TCTD, trong \u0111\u00f3 c\u00f3 l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3, th\u1ef1c t\u1ebf th\u01b0\u1eddng ph\u1ea3i cao h\u01a1n ho\u1eb7c \u00edt nh\u1ea5t c\u0169ng ph\u1ea3i ngang b\u1eb1ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c TCTD. 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\u1eadm ch\u00ed tr\u01b0\u1edbc \u0111\u00f3, Th\u00f4ng t\u01b0 li\u00ean b\u1ed9 s\u1ed1 02\/TT-LB ng\u00e0y 3-10-1995 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\u00f2n cho ph\u00e9p l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 cao nh\u1ea5t g\u1ea5p h\u01a1n ba l\u1ea7n tr\u1ea7n l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng (0,3%\/ng\u00e0y hay 109%\/n\u0103m so v\u1edbi 32%\/n\u0103m).<\/p>\n

\u0110\u1eb7c bi\u1ec7t l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t vay n\u00f3i chung, s\u1eafp t\u1edbi n\u1ebfu v\u01b0\u1ee3t 100%\/n\u0103m (135%\/n\u0103m tr\u01b0\u1edbc \u0111\u00e2y), th\u00ec c\u00f3 nguy c\u01a1 ph\u1ea1m v\u00e0o t\u1ed9i cho vay n\u1eb7ng l\u00e3i v\u00e0 n\u1ebfu vay v\u01b0\u1ee3t 20%\/n\u0103m (13,5%\/n\u0103m tr\u01b0\u1edbc n\u0103m 2017), th\u00ec b\u1ecb v\u00f4 hi\u1ec7u, b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn l\u00e0 chi ph\u00ed h\u1ee3p ph\u00e1p \u0111\u1ec3 t\u00ednh thu\u1ebf, trong khi l\u00e3i su\u1ea5t cho vay c\u1ee7a ri\u00eang c\u00e1c TCTD th\u00ec l\u1ea1i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p v\u01b0\u1ee3t c\u1ea3 m\u1ee9c ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1.<\/p>\n

L\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c<\/strong><\/h5>\n

Kho\u1ea3n 5, \u0111i\u1ec1u 474, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh, b\u00ean vay ti\u1ec1n c\u00f3 th\u1ecfa thu\u1eadn tr\u1ea3 l\u00e3i, n\u1ebfu ch\u1eadm tr\u1ea3 n\u1ee3 th\u00ec \u201cph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i n\u1ee3 qu\u00e1 h\u1ea1n theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d, t\u1ee9c l\u00e0 ph\u1ea3i tr\u1ea3 m\u1ee9c l\u00e3i su\u1ea5t 9%\/n\u0103m k\u1ec3 t\u1eeb n\u0103m 2011 \u0111\u1ebfn nay.<\/p>\n

C\u00f2n kho\u1ea3n 5, \u0111i\u1ec1u 466 v\u1ec1 \u201cNgh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh, n\u1ebfu ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c th\u00ec ngo\u00e0i vi\u1ec7c ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c, c\u00f2n ph\u1ea3i tr\u1ea3 l\u00e3i v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u201cb\u1eb1ng 150% l\u00e3i su\u1ea5t vay theo h\u1ee3p \u0111\u1ed3ng\u201d. Nh\u01b0 v\u1eady, theo quy \u0111\u1ecbnh n\u00e0y, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n t\u1ed1i \u0111a k\u1ec3 t\u1eeb n\u0103m 2017 s\u1ebd \u0111\u01b0\u1ee3c t\u0103ng th\u00eam 1% so v\u1edbi tr\u01b0\u1edbc kia. Quy \u0111\u1ecbnh n\u00e0y c\u0169ng l\u00e0 b\u1ea5t h\u1ee3p l\u00fd, v\u00ec n\u1ebfu tr\u01b0\u1edbc \u0111\u00e2y, c\u1ee9 ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c l\u00e0 \u0111\u1ec1u ph\u1ea3i tr\u1ea3 m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n 9%, th\u00ec nay s\u1ebd ph\u1ee5 thu\u1ed9c ho\u00e0n to\u00e0n v\u00e0o l\u00e3i su\u1ea5t vay. V\u00ed d\u1ee5, n\u1ebfu vay 2%\/n\u0103m, khi qu\u00e1 h\u1ea1n th\u00ec ch\u1ec9 ph\u1ea3i tr\u1ea3 3% (c\u1ed9ng th\u00eam 1%), c\u00f2n n\u1ebfu vay 20%\/n\u0103m, khi qu\u00e1 h\u1ea1n th\u00ec ph\u1ea3i tr\u1ea3 t\u1edbi 30%\/n\u0103m (c\u1ed9ng th\u00eam 10%). \u0110\u1eb7c bi\u1ec7t, n\u1ebfu c\u00e1c TCTD \u0111\u01b0\u1ee3c ph\u00e9p cho vay t\u1edbi 70%\/n\u0103m nh\u01b0 \u0111\u00e3 n\u00eau tr\u00ean, th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p t\u00ednh l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 l\u00ean t\u1edbi 105%\/n\u0103m. V\u00e0 ri\u00eang m\u1ee9c l\u00e3i su\u1ea5t ng\u1ea5t ng\u01b0\u1edfng n\u00e0y c\u1ee7a c\u00e1c TCTD c\u00f2n \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c duy tr\u00ec \u0111\u1ebfn c\u1ea3 sau khi \u0111\u00e3 c\u00f3 ph\u00e1n quy\u1ebft c\u1ee7a t\u00f2a \u00e1n theo \u00c1n l\u1ec7 s\u1ed1 08\/2016\/AL.<\/p>\n

L\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i<\/strong><\/h5>\n

Ngo\u00e0i vi\u1ec7c quy \u0111\u1ecbnh tr\u1ea3 n\u1ee3 g\u1ed1c trong h\u1ea1n v\u00e0 qu\u00e1 h\u1ea1n nh\u01b0 tr\u00ean, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u00f2n c\u00f3 th\u00eam m\u1ed9t quy \u0111\u1ecbnh m\u1edbi v\u1ec1 vi\u1ec7c tr\u1ea3 n\u1ee3 l\u00e3i t\u00ednh tr\u00ean s\u1ed1 l\u00e3i ch\u1eadm tr\u1ea3 (c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 l\u00e3i nh\u1eadp g\u1ed1c \u0111\u1ec3 t\u00ednh l\u00e3i ti\u1ebfp hay l\u00e3i m\u1eb9 \u0111\u1ebb l\u00e3i con). C\u1ee5 th\u1ec3 \u0111i\u1ec3m a, kho\u1ea3n 5, \u0111i\u1ec1u 466, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c ch\u1ed1t c\u1ee9ng l\u00e0 10%\/n\u0103m.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00e2y, v\u00ec B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 kh\u00f4ng quy \u0111\u1ecbnh r\u00f5, n\u00ean th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c t\u00f2a \u00e1n v\u00e0 tr\u1ecdng t\u00e0i ch\u1ea5p nh\u1eadn y\u00eau c\u1ea7u t\u00ednh l\u00e3i ch\u1eadm tr\u1ea3 \u0111\u1ed1i v\u1edbi kho\u1ea3n ti\u1ec1n l\u00e3i n\u00e0y.<\/p>\n

Quy \u0111\u1ecbnh m\u1edbi c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u00e3 t\u0103ng th\u00eam m\u1ed9t g\u00e1nh n\u1eb7ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vay v\u1ed1n, khi kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay l\u00e3i su\u1ea5t cao, th\u00ec s\u1ebd ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n r\u1ea5t cao, nh\u1ea5t l\u00e0 c\u1ea3 kho\u1ea3n l\u00e3i ch\u1ed3ng l\u00ean l\u00e3i.<\/p>\n

Ri\u00eang l\u00e3i su\u1ea5t cho vay ngo\u1ea1i t\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec lu\u1eadt v\u1eabn b\u1ecf qu\u00ean, v\u00ec s\u1ebd l\u00e0 qu\u00e1 b\u1ea5t h\u1ee3p l\u00fd n\u1ebfu hi\u1ec3u r\u1eb1ng, m\u1ee9c l\u00e3i vay ngo\u1ea1i t\u1ec7 t\u1ed1i \u0111a 20% v\u00e0 m\u1ee9c l\u00e3i ch\u1eadm tr\u1ea3 l\u00e3i b\u1eb1ng 10%\/n\u0103m.<\/p>\n

L\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c<\/strong><\/h5>\n

Ngo\u00e0i h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n nh\u01b0 tr\u00ean, trong tr\u01b0\u1eddng giao k\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng kh\u00e1c, n\u1ebfu m\u1ed9t b\u00ean ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n, th\u00ec c\u0169ng s\u1ebd ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3. M\u1ee9c l\u00e3i su\u1ea5t n\u00e0y c\u0169ng c\u00f3 s\u1ef1 kh\u00e1c nhau trong hai B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0111i\u1ec1u 305, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, n\u1ebfu ch\u1eadm tr\u1ea3 th\u00ec s\u1ebd ph\u1ea3i tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c l\u00e0 kh\u00f4ng qu\u00e1 9%\/n\u0103m trong n\u0103m n\u0103m g\u1ea7n \u0111\u00e2y. C\u00f2n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0111i\u1ec1u 357 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, th\u00ec m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn, nh\u01b0ng kh\u00f4ng qu\u00e1 20%\/n\u0103m. N\u1ebfu c\u00e1c b\u00ean kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t, th\u00ec \u00e1p d\u1ee5ng m\u1ee9c 10%\/n\u0103m khi c\u00f3 tranh ch\u1ea5p.<\/p>\n

C\u1ea3 hai b\u1ed9 lu\u1eadt c\u0169ng \u0111\u1ec1u quy \u0111\u1ecbnh, c\u00e1c b\u00ean c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, t\u00f2a \u00e1n ch\u1ec9 ch\u1ea5p nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn kh\u00e1c th\u1ea5p h\u01a1n, ch\u1ee9 kh\u00f4ng ch\u1ea5p nh\u1eadn m\u1ee9c cao h\u01a1n 9% n\u0103m, n\u1ebfu l\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1.<\/p>\n

C\u00f2n tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng ch\u1ea5p nh\u1eadn th\u1ecfa thu\u1eadn m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 ti\u1ec1n mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng th\u01b0\u01a1ng m\u1ea1i, c\u00f3 th\u1ec3 cao h\u01a1n gi\u1edbi h\u1ea1n 9% hay 10% theo quy \u0111\u1ecbnh c\u1ee7a hai B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, n\u1ebfu nh\u01b0 l\u00e3i su\u1ea5t cho vay trung b\u00ecnh \u1edf m\u1ee9c 7%\/n\u0103m tr\u1edf l\u00ean. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 c\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh b\u00ean b\u1ecb ch\u1eadm thanh to\u00e1n c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u b\u00ean kia tr\u1ea3 l\u00e3i \u201ctheo l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n trung b\u00ecnh tr\u00ean th\u1ecb tr\u01b0\u1eddng\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u 306 v\u1ec1 \u201cQuy\u1ec1n y\u00eau c\u1ea7u ti\u1ec1n l\u00e3i do ch\u1eadm thanh to\u00e1n\u201d, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 2005.<\/p>\n

Nh\u01b0 v\u1eady, sau h\u00e0ng ch\u1ee5c n\u0103m v\u01b0\u1edbng m\u1eafc, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u1eabn ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong h\u1ea1n v\u00e0 qu\u00e1 h\u1ea1n kh\u00e1 ph\u1ee9c t\u1ea1p, kh\u00f3 hi\u1ec3u, t\u00f9 m\u00f9, b\u1ea5t c\u00f4ng, kh\u00f4ng h\u1ee3p l\u00fd v\u00e0 phi th\u1ef1c t\u1ebf.<\/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<\/i><\/strong><\/h5>\n

(1.916\/1.916)<\/em><\/p>\n

B\u00e0i \u0111\u1ecdc nhi\u1ec1u nh\u1ea5t tr\u00ean KTSG ng\u00e0y 27-12-2016 <\/em><\/p>\n

———————-<\/em><\/p>\n

B\u00e0i vi\u1ebft g\u1eedi \u0111\u0103ng TB Kinh t\u1ebf S\u00e0i G\u00f2n\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 17-12-2016<\/em><\/strong><\/p>\n

Lu\u1eadt thay \u0111\u1ed5i 4 lo\u1ea1i l\u00e3i su\u1ea5t <\/strong><\/h4>\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>Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/strong><\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 01-01-2017, c\u00f3 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh thay \u0111\u1ed5i r\u1ea5t \u0111\u00e1ng ch\u00fa \u00fd so v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 v\u1ec1 4 lo\u1ea1i l\u00e3i su\u1ea5t, \u0111\u00f3 l\u00e0 l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c.<\/em><\/p>\n

L\u00e3i su\u1ea5t cho vay<\/strong><\/h5>\n

Kho\u1ea3n 1, \u0110i\u1ec1u 476, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t vay ti\u1ec1n \u201cdo c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d, t\u1ee9c l\u00e0 kh\u00f4ng qu\u00e1 13,5%\/n\u0103m k\u1ec3 t\u1eeb cu\u1ed1i n\u0103m 2010 \u0111\u1ebfn nay (l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 9%\/n\u0103m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2868\/Q\u0110-NHNN ng\u00e0y 29-11-2010 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc).<\/p>\n

C\u00f2n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, m\u1ee9c l\u00e3i su\u1ea5t vay ti\u1ec1n c\u0169ng theo th\u1ecfa thu\u1eadn, nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m (n\u1ebfu tho\u1ea3 thu\u1eadn kh\u00f4ng r\u00f5 th\u00ec s\u1ebd l\u00e0 10%\/n\u0103m). Nh\u01b0 v\u1eady, t\u1eeb n\u0103m 2017, tr\u1ea7n l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c n\u1edbi th\u00eam t\u1edbi 6,5% (t\u1eeb 13,5% l\u00ean 20%\/n\u0103m). Tuy nhi\u00ean, v\u1eabn ch\u01b0a r\u00f5, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec c\u00f3 \u0111\u01b0\u1ee3c cho vay v\u01b0\u1ee3t m\u1ee9c l\u00e3i su\u1ea5t 20%\/n\u0103m hay kh\u00f4ng v\u1edbi quy \u0111\u1ecbnh m\u1edf r\u1ed9ng \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d?<\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 th\u00ec kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh ngo\u1ea1i tr\u1eeb, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, To\u00e0 \u00e1n th\u01b0\u1eddng v\u1eabn ch\u1ea5p nh\u1eadn c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng tho\u1ea3 thu\u1eadn m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n 13,5%\/n\u0103m, th\u1eadm ch\u00ed c\u00f3 khi l\u00ean t\u1edbi 50 \u2013 60%\/n\u0103m. Tuy nhi\u00ean, c\u0169ng c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, To\u00e0 \u00e1n kh\u00f4ng ch\u1ea5p nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 13,5%\/n\u0103m, nh\u01b0 B\u1ea3n \u00e1n ph\u00fac th\u1ea9m s\u1ed1 12\/2014\/KDTM-PT ng\u00e0y 08-12-2014 c\u1ee7a T\u00f2a \u00e1n nh\u00e2n d\u00e2n t\u1ec9nh Qu\u1ea3ng Tr\u1ecb.<\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t cho vay kh\u00e1c cao h\u01a1n 20%\/n\u0103m. Kho\u1ea3n 2, <\/a><\/a>\u0110i\u1ec1u 91 v\u1ec1 \u201cL\u00e3i su\u1ea5t, ph\u00ed trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 ch\u1ec9 quy \u0111\u1ecbnh nh\u01b0 sau: \u201c2. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>.\u201d V\u00ec \u0110i\u1ec1u lu\u1eadt n\u00e0y kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c \u00e1p d\u1ee5ng m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1c cao h\u01a1n, n\u00ean ch\u01b0a \u0111\u1ee7 c\u01a1 s\u1edf ph\u00e1p l\u00fd ch\u1eafc ch\u1eafn \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng, t\u1ed5 ch\u1ee9c tin d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m kh\u00e1c v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y, nh\u00ecn chung l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng qu\u00e1 20%\/n\u0103m. Tuy nhi\u00ean, ri\u00eang l\u00e3i su\u1ea5t cho vay th\u00f4ng qua th\u1ebb t\u00edn d\u1ee5ng th\u00ec l\u1ea1i ph\u1ed5 bi\u1ebfn trong kho\u1ea3ng 20 \u2013 35%\/n\u0103m, \u0111\u1eb7c bi\u1ec7t l\u00e0 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 20 \u2013 40%, c\u00f3 khi l\u00ean \u0111\u1ebfn 50 \u2013 70%. V\u00ec v\u1eady, n\u1ebfu ph\u1ea3i \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t cho vay 20% c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec s\u1ebd r\u1ea5t phi th\u1ef1c t\u1ebf v\u00e0 tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nguy\u00ean t\u1eafc t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn trong ng\u00e0nh Ng\u00e2n h\u00e0ng v\u00e0 n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng.<\/p>\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft v\u01b0\u1edbng m\u1eafc n\u00e0y, c\u1ea7n ph\u1ea3i c\u00f3 m\u1ed9t trong c\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh ho\u1eb7c gi\u1ea3i th\u00edch r\u00f5 vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cao h\u01a1n 20% nh\u01b0 sau: Th\u1ee9 nh\u1ea5t l\u00e0 Qu\u1ed1c h\u1ed9i s\u1eeda \u0111\u1ed5i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 (cho ph\u00e9p \u00e1p d\u1ee5ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t chung) ho\u1eb7c s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 (quy \u0111\u1ecbnh l\u1ea1i d\u1ef1a v\u00e0o tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng). Th\u1ee9 hai l\u00e0 U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i gi\u1ea3i gi\u1ea3i th\u00edch Lu\u1eadt theo th\u1ea9m quy\u1ec1n. Th\u1ee9 ba l\u00e0 Ch\u00ednh ph\u1ee7 h\u01b0\u1edbng d\u1eabn b\u1eb1ng Ngh\u1ecb \u0111\u1ecbnh ho\u1eb7c H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao h\u01b0\u1edbng d\u1eabn b\u1eb1ng Ngh\u1ecb quy\u1ebft. Th\u1ee9 t\u01b0 l\u00e0 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t trong Th\u00f4ng t\u01b0. Tuy nhi\u00ean, ch\u1ec9 c\u00f3 hai ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u m\u1edbi b\u1ea3o \u0111\u1ea3m ch\u1eafc ch\u1eafn v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd.<\/p>\n

\u0110i\u1ec1u \u0111\u00e1ng ng\u1ea1i l\u00e0, d\u00f9 c\u00f3 h\u1ee3p th\u1ee9c ho\u00e1 \u0111\u01b0\u1ee3cm\u1ee9c l\u00e3i su\u1ea5t cho vay v\u01b0\u1ee3t 20%\/n\u0103m c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec v\u1eabn ti\u1ebfp t\u1ee5c g\u00e2y ra t\u00ecnh tr\u1ea1ng b\u1ea5t h\u1ee3p l\u00fd gi\u1eefa c\u00e1c ch\u1ee7 th\u1ebf cho vay. V\u00ec l\u00e3i su\u1ea5t cho vay b\u00ean ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, trong \u0111\u00f3 c\u00f3 l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3, th\u1ef1c t\u1ebf th\u01b0\u1eddng ph\u1ea3i cao h\u01a1n ho\u1eb7c \u00edt nh\u1ea5t c\u0169ng ph\u1ea3i ngang b\u1eb1ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tr\u01b0\u1edbc \u0111\u00e2y, \u0110i\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\u1eadm ch\u00ed tr\u01b0\u1edbc \u0111\u00f3, 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\u00f2n 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 (0,3%\/ng\u00e0y hay 109%\/n\u0103m so v\u1edbi 32%\/n\u0103m).<\/p>\n

\u0110\u1eb7c bi\u1ec7t l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t vay n\u00f3i chung, s\u1eafp t\u1edbi n\u1ebfu v\u01b0\u1ee3t 100%\/n\u0103m (135%\/n\u0103m tr\u01b0\u1edbc \u0111\u00e2y), th\u00ec c\u00f3 nguy c\u01a1 ph\u1ea1m v\u00e0o t\u1ed9i cho vay l\u00e3i n\u1eb7ng v\u00e0 n\u1ebfu vay v\u01b0\u1ee3t 20%\/n\u0103m (13,5%\/n\u0103m tr\u01b0\u1edbc n\u0103m 2017), th\u00ec b\u1ecb v\u00f4 hi\u1ec7u, b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn l\u00e0 chi ph\u00ed h\u1ee3p ph\u00e1p \u0111\u1ec3 t\u00ednh thu\u1ebf, trong khi l\u00e3i su\u1ea5t cho vay c\u1ee7a ri\u00eang c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec l\u1ea1i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p v\u01b0\u1ee3t c\u1ea3 m\u1ee9c ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1.<\/p>\n

L\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c<\/strong><\/h5>\n

Kho\u1ea3n 5, \u0110i\u1ec1u 474, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh, b\u00ean vay ti\u1ec1n c\u00f3 tho\u1ea3 thu\u1eadn tr\u1ea3 l\u00e3i, n\u1ebfu ch\u1eadm tr\u1ea3 n\u1ee3 th\u00ec \u201cph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i n\u1ee3 qu\u00e1 h\u1ea1n theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d, t\u1ee9c l\u00e0 ph\u1ea3i tr\u1ea3 m\u1ee9c l\u00e3i su\u1ea5t 9%\/n\u0103m k\u1ec3 t\u1eeb n\u0103m 2011 \u0111\u1ebfn nay.<\/p>\n

C\u00f2n kho\u1ea3n 5, \u0110i\u1ec1u 466 v\u1ec1 \u201cNgh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh, n\u1ebfu ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c th\u00ec ngo\u00e0i vi\u1ec7c ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c, c\u00f2n ph\u1ea3i tr\u1ea3 l\u00e3i v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u201cb\u1eb1ng 150% l\u00e3i su\u1ea5t vay theo h\u1ee3p \u0111\u1ed3ng\u201d. Nh\u01b0 v\u1eady, theo quy \u0111\u1ecbnh n\u00e0y, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n t\u1ed1i \u0111a k\u1ec3 t\u1eeb n\u0103m 2017 s\u1ebd \u0111\u01b0\u1ee3c t\u0103ng th\u00eam 1% so v\u1edbi tr\u01b0\u1edbc kia. Quy \u0111\u1ecbnh n\u00e0y c\u0169ng l\u00e0 b\u1ea5t h\u1ee3p l\u00fd, v\u00ec n\u1ebfu tr\u01b0\u1edbc \u0111\u00e2y, c\u1ee9 ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c l\u00e0 \u0111\u1ec1u ph\u1ea3i tr\u1ea3 m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n 9%, th\u00ec nay s\u1ebd ph\u1ee5 thu\u1ed9c ho\u00e0n to\u00e0n v\u00e0o l\u00e3i su\u1ea5t vay. V\u00ed d\u1ee5, n\u1ebfu vay 2%\/n\u0103m, khi qu\u00e1 h\u1ea1n th\u00ec ch\u1ec9 ph\u1ea3i tr\u1ea3 3% (c\u1ed9ng th\u00eam 1%), c\u00f2n n\u1ebfu vay 20%\/n\u0103m, khi qu\u00e1 h\u1ea1n th\u00ec ph\u1ea3i tr\u1ea3 t\u1edbi 30%\/n\u0103m (c\u1ed9ng th\u00eam 10%). \u0110\u1eb7c bi\u1ec7t, n\u1ebfu c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay t\u1edbi 70%\/n\u0103m nh\u01b0 \u0111\u00e3 n\u00eau tr\u00ean, th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p t\u00ednh l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 l\u00ean t\u1edbi 105%\/n\u0103m. V\u00e0 ri\u00eang m\u1ee9c l\u00e3i su\u1ea5t ng\u1ea5t ng\u01b0\u1edfng n\u00e0y c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f2n \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c duy tr\u00ec \u0111\u1ebfn c\u1ea3 sau khi \u0111\u00e3 c\u00f3 ph\u00e1n quy\u1ebft c\u1ee7a To\u00e0 \u00e1n theo \u00c1n l\u1ec7 s\u1ed1 08\/2016\/AL.<\/p>\n

L\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i<\/strong><\/h5>\n

Ngo\u00e0i vi\u1ec7c quy \u0111\u1ecbnh tr\u1ea3 n\u1ee3 g\u1ed1c trong h\u1ea1n v\u00e0 qu\u00e1 h\u1ea1n nh\u01b0 tr\u00ean, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u00f2n c\u00f3 th\u00eam m\u1ed9t quy \u0111\u1ecbnh m\u1edbi v\u1ec1 vi\u1ec7c tr\u1ea3 n\u1ee3 l\u00e3i t\u00ednh tr\u00ean s\u1ed1 l\u00e3i ch\u1eadm tr\u1ea3 (c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 l\u00e3i nh\u1eadp g\u1ed1c \u0111\u1ec3 t\u00ednh l\u00e3i ti\u1ebfp hay l\u00e3i m\u1eb9 \u0111\u1ebb l\u00e3i con). C\u1ee5 th\u1ec3 \u0111i\u1ec3m a, kho\u1ea3n 5, \u0110i\u1ec1u 466, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c ch\u1ed1t c\u1ee9ng l\u00e0 10%\/n\u0103m.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00e2y, v\u00ec B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 kh\u00f4ng quy \u0111\u1ecbnh r\u00f5, n\u00ean th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c To\u00e0 \u00e1n v\u00e0 Tr\u1ecdng t\u00e0i ch\u1ea5p nh\u1eadn y\u00eau c\u1ea7u t\u00ednh l\u00e3i ch\u1eadm tr\u1ea3 \u0111\u1ed1i v\u1edbi kho\u1ea3n ti\u1ec1n l\u00e3i n\u00e0y.<\/p>\n

Quy \u0111\u1ecbnh m\u1edbi c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u00e3 t\u0103ng th\u00eam m\u1ed9t g\u00e1nh n\u1eb7ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vay v\u1ed1n, khi kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay l\u00e3i su\u1ea5t cao, th\u00ec s\u1ebd ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n r\u1ea5t cao, nh\u1ea5t l\u00e0 c\u1ea3 kho\u1ea3n l\u00e3i ch\u1ed3ng l\u00ean l\u00e3i.<\/p>\n

Ri\u00eang l\u00e3i su\u1ea5t cho vay ngo\u1ea1i t\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec Lu\u1eadt v\u1eabn b\u1ecf qu\u00ean, v\u00ec s\u1ebd l\u00e0 qu\u00e1 b\u1ea5t h\u1ee3p l\u00fd n\u1ebfu hi\u1ec3u r\u1eb1ng, m\u1ee9c l\u00e3i vay ngo\u1ea1i t\u1ec7 t\u1ed1i \u0111a 20% v\u00e0 m\u1ee9c l\u00e3i ch\u1eadm tr\u1ea3 l\u00e3i b\u1eb1ng 10%\/n\u0103m.<\/p>\n

L\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c<\/strong><\/h5>\n

Ngo\u00e0i h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n nh\u01b0 tr\u00ean, trong tr\u01b0\u1eddng giao k\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng kh\u00e1c, n\u1ebfu m\u1ed9t b\u00ean ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n, th\u00ec c\u0169ng s\u1ebd ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3. M\u1ee9c l\u00e3i su\u1ea5t n\u00e0y c\u0169ng c\u00f3 s\u1ef1 kh\u00e1c nhau trong 2 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 305, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, n\u1ebfu ch\u1eadm tr\u1ea3 th\u00ec s\u1ebd ph\u1ea3i tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c l\u00e0 kh\u00f4ng qu\u00e1 9%\/n\u0103m trong 5 n\u0103m g\u1ea7n \u0111\u00e2y. C\u00f2n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 357 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, th\u00ec m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn, nh\u01b0ng kh\u00f4ng qu\u00e1 20%\/n\u0103m. N\u1ebfu c\u00e1c b\u00ean kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t, th\u00ec \u00e1p d\u1ee5ng m\u1ee9c 10%\/n\u0103m khi c\u00f3 tranh ch\u1ea5p.<\/p>\n

C\u1ea3 hai B\u1ed9 lu\u1eadt c\u0169ng \u0111\u1ec1u quy \u0111\u1ecbnh, c\u00e1c b\u00ean c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, To\u00e0 \u00e1n ch\u1ec9 ch\u1ea5p nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn kh\u00e1c th\u1ea5p h\u01a1n, ch\u1ee9 kh\u00f4ng ch\u1ea5p nh\u1eadn m\u1ee9c cao h\u01a1n 9% n\u0103m, n\u1ebfu l\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1.<\/p>\n

C\u00f2n Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng ch\u1ea5p nh\u1eadn tho\u1ea3 thu\u1eadn m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 ti\u1ec1n mua h\u00e0ng ho\u00e1, d\u1ecbch v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng th\u01b0\u01a1ng m\u1ea1i, c\u00f3 th\u1ec3 cao h\u01a1n gi\u1edbi h\u1ea1n 9% hay 10% theo quy \u0111\u1ecbnh c\u1ee7a hai B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, n\u1ebfu nh\u01b0 l\u00e3i su\u1ea5t cho vay trung b\u00ecnh \u1edf m\u1ee9c 7%\/n\u0103m tr\u1edf l\u00ean. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 c\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh b\u00ean b\u1ecb ch\u1eadm thanh to\u00e1n c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u b\u00ean kia tr\u1ea3 l\u00e3i \u201ctheo l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n trung b\u00ecnh tr\u00ean th\u1ecb tr\u01b0\u1eddng\u201d theo quy \u0111\u1ecbnh t\u1ea1i <\/a>\u0110i\u1ec1u 306 v\u1ec1 \u201dQuy\u1ec1n y\u00eau c\u1ea7u ti\u1ec1n l\u00e3i do ch\u1eadm thanh to\u00e1n\u201d, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 2005.<\/p>\n

Nh\u01b0 v\u1eady, sau h\u00e0ng ch\u1ee5c n\u0103m v\u01b0\u1edbng m\u1eafc, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u1eabn ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong h\u1ea1n v\u00e0 qu\u00e1 h\u1ea1n kh\u00e1 ph\u1ee9c t\u1ea1p, kh\u00f3 hi\u1ec3u, t\u00f9 m\u00f9, b\u1ea5t c\u00f4ng, kh\u00f4ng h\u1ee3p l\u00fd v\u00e0 phi th\u1ef1c t\u1ebf.\/.<\/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><\/h5>\n

————————<\/p>\n

Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n (T\u00e0i ch\u00ednh \u2013 Ch\u1ee9ng kho\u00e1n) 22-12-2016:<\/em><\/strong><\/p>\n

http:\/\/www.thesaigontimes.vn\/155173\/Luat-thay-doi-bon-loai-lai-suat.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t \u00a0(KTSG) – B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1-1-2017, c\u00f3 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh thay \u0111\u1ed5i r\u1ea5t \u0111\u00e1ng ch\u00fa \u00fd so v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 v\u1ec1 b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t, \u0111\u00f3 l\u00e0 l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 […]<\/p>\n","protected":false},"author":7,"featured_media":4591,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,36],"class_list":["post-4590","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-ngan-hang"],"acf":[],"yoast_head":"\n211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t bao g\u1ed3m l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t bao g\u1ed3m l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2016-12-22T02:21:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-01T07:17:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-28-at-09.23.51.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1098\" \/>\n\t<meta property=\"og:image:height\" content=\"779\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"22 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t.\",\"datePublished\":\"2016-12-22T02:21:58+00:00\",\"dateModified\":\"2024-11-01T07:17:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/\"},\"wordCount\":5885,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Screen-Shot-2022-01-28-at-09.23.51.png\",\"keywords\":[\"Lu\u1eadt s\u01b0 D\u00e2n s\u1ef1\",\"Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng\"],\"articleSection\":[\"B\u00e0i vi\u1ebft\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/\",\"name\":\"[:vi]211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t.[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Screen-Shot-2022-01-28-at-09.23.51.png\",\"datePublished\":\"2016-12-22T02:21:58+00:00\",\"dateModified\":\"2024-11-01T07:17:15+00:00\",\"description\":\"Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t bao g\u1ed3m l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Screen-Shot-2022-01-28-at-09.23.51.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Screen-Shot-2022-01-28-at-09.23.51.png\",\"width\":1098,\"height\":779,\"caption\":\"Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/211-luat-thay-doi-bon-loai-lai-suat\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"(Ti\u1ebfng Vi\u1ec7t) 211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\",\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g\",\"caption\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\"},\"sameAs\":[\"http:\\\/\\\/hangtt\"],\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/hangtt\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t.[:] - ANVI Law Firm","description":"Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t bao g\u1ed3m l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t.[:] - ANVI Law Firm","og_description":"Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t bao g\u1ed3m l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c.","og_url":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2016-12-22T02:21:58+00:00","article_modified_time":"2024-11-01T07:17:15+00:00","og_image":[{"width":1098,"height":779,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-28-at-09.23.51.png","type":"image\/png"}],"author":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"22 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/"},"author":{"name":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/3ed6356b2b43ea929d46dfbdac9c841c"},"headline":"211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t.","datePublished":"2016-12-22T02:21:58+00:00","dateModified":"2024-11-01T07:17:15+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/"},"wordCount":5885,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-28-at-09.23.51.png","keywords":["Lu\u1eadt s\u01b0 D\u00e2n s\u1ef1","Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng"],"articleSection":["B\u00e0i vi\u1ebft","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/","url":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/","name":"[:vi]211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t.[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-28-at-09.23.51.png","datePublished":"2016-12-22T02:21:58+00:00","dateModified":"2024-11-01T07:17:15+00:00","description":"Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t bao g\u1ed3m l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 l\u00e3i v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00e1c.","breadcrumb":{"@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-28-at-09.23.51.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-28-at-09.23.51.png","width":1098,"height":779,"caption":"Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t"},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/en\/211-luat-thay-doi-bon-loai-lai-suat\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"(Ti\u1ebfng Vi\u1ec7t) 211. Lu\u1eadt thay \u0111\u1ed5i b\u1ed1n lo\u1ea1i l\u00e3i su\u1ea5t."}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/3ed6356b2b43ea929d46dfbdac9c841c","name":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g","caption":"Tr\u01b0\u01a1ng Thu H\u1eb1ng"},"sameAs":["http:\/\/hangtt"],"url":"https:\/\/anvilaw.com\/vi\/author\/hangtt\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4590","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=4590"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4590\/revisions"}],"predecessor-version":[{"id":43165,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4590\/revisions\/43165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/4591"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=4590"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=4590"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=4590"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}