{"id":4777,"date":"2015-11-13T21:11:30","date_gmt":"2015-11-13T14:11:30","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4777"},"modified":"2024-11-04T13:57:51","modified_gmt":"2024-11-04T06:57:51","slug":"194-van-de-tin-dung-den-trong-quy-dinh-cua-luat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/194-van-de-tin-dung-den-trong-quy-dinh-cua-luat\/","title":{"rendered":"194. V\u1ea5n \u0111\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d trong quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt."},"content":{"rendered":"<h4><span style=\"color: #723918;\"><strong>V\u1ea5n \u0111\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d trong quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt<\/strong><\/span><\/h4>\n<h5><strong>(ND) C\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 c\u00e1c giao d\u1ecbch vay ti\u1ec1n bi\u1ebfn th\u00e0nh \u201ct\u00edn d\u1ee5ng \u0111en\u201d, nh\u01b0ng y\u1ebfu t\u1ed1 ch\u00ednh y\u1ebfu nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t cao ng\u1ea5t ng\u01b0\u1edfng, \u0111\u00e2y l\u00e0 nguy\u00ean nh\u00e2n \u0111\u1ea9y ng\u01b0\u1eddi vay ti\u1ec1n v\u00e0 cho vay tr\u1edf th\u00e0nh th\u1ee7 ph\u1ea1m v\u00e0 n\u1ea1n nh\u00e2n c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Tuy nhi\u00ean, kh\u00f4ng th\u1ec3 thi\u1ebfu nguy\u00ean nh\u00e2n l\u00e0 do ph\u00e1p lu\u1eadt thi\u1ebfu minh b\u1ea1ch, r\u00f5 r\u00e0ng.<\/strong><\/h5>\n<h5><strong>Nh\u1eadn di\u1ec7n \u201ct\u00edn d\u1ee5ng \u0111en\u201d<\/strong><\/h5>\n<p>L\u00e2u nay, gi\u1edbi chuy\u00ean gia v\u00e0 tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang \u0111\u1ec1 c\u1eadp nhi\u1ec1u kh\u00e1i ni\u1ec7m \u201ct\u00edn d\u1ee5ng \u0111en\u201d, nh\u01b0ng v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd th\u00ec kh\u00f4ng d\u1ec5 g\u00ec kh\u1eb3ng \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, b\u1edfi v\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh hay gi\u1ea3i th\u00edch c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng. N\u00f3i \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 nh\u1eafc \u0111\u1ebfn m\u1ed9t ho\u1ea1t \u0111\u1ed9ng cho vay v\u1ed1n b\u1ea5t h\u1ee3p ph\u00e1p, kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay, nh\u01b0ng v\u1eabn ti\u1ebfn h\u00e0nh cho vay. Tuy nhi\u00ean, n\u1ebfu ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c cho vay kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p hay cho vay kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p th\u00ec l\u1ea1i kh\u00f3 c\u00f3 th\u1ec3 g\u1ecdi \u0111\u00f3 l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d m\u00e0 n\u00f3i \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d t\u1ee9c l\u00e0 nh\u1eafc \u0111\u1ebfn l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p. Nh\u01b0ng n\u1ebfu cho r\u1eb1ng l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p \u0111\u1ec1u b\u1ecb coi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d th\u00ec ch\u1eb3ng h\u00f3a ra m\u1ecdi ho\u1ea1t \u0111\u1ed9ng cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t 13,5% theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u1ec1u l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d? Th\u1eadm ch\u00ed kh\u00f4ng lo\u1ea1i tr\u1eeb c\u1ea3 vi\u1ec7c cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c?<\/p>\n<p>D\u01b0\u1eddng nh\u01b0 \u0111\u1ec3 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d th\u00ec ph\u1ea3i l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng cho vay c\u00f3 nhi\u1ec1u h\u01a1n m\u1ed9t y\u1ebfu t\u1ed1 b\u1ea5t h\u1ee3p ph\u00e1p trong s\u1ed1 c\u00e1c y\u1ebfu t\u1ed1 sau: Ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, m\u1ee5c \u0111\u00edch vay v\u1ed1n b\u1ea5t h\u1ee3p ph\u00e1p, l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p ho\u1eb7c c\u00f3 nh\u1eefng h\u00e0nh vi b\u1ea5t h\u1ee3p ph\u00e1p kh\u00e1c nh\u01b0 \u0111e d\u1ecda, c\u01b0\u1ee1ng b\u1ee9c, l\u1eeba d\u1ed1i trong giao d\u1ecbch cho vay,&#8230; Hi\u1ec7n t\u01b0\u1ee3ng ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a hai y\u1ebfu t\u1ed1 cho vay b\u1ea5t h\u1ee3p ph\u00e1p \u0111i \u0111\u00f4i v\u1edbi \u00e1p \u0111\u1eb7t m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t cao tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<h5><strong>Ho\u1ea1t \u0111\u1ed9ng cho vay v\u1ed1n trong ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1<\/strong><\/h5>\n<p>V\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay, theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 (c\u00e1c \u0111i\u1ec1u t\u1eeb \u0110i\u1ec1u 471 \u0111\u1ebfn 479 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n\u201d), m\u1ed9t s\u1ed1 \u0111i\u1ec1u trong Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2014,\u2026 giao d\u1ecbch vay v\u00e0 cho vay gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n v\u1edbi nhau l\u00e0 h\u1ee3p ph\u00e1p v\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd kinh doanh. Th\u1eadm ch\u00ed ti\u1ec1n l\u00e3i cho vay (kh\u00f4ng ch\u1ec9 \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng) c\u00f2n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 8, \u0110i\u1ec1u 5 v\u1ec1 \u201c\u0110\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ch\u1ecbu thu\u1ebf\u201d, Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng n\u0103m 2008, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2013.<\/p>\n<p>Tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t, c\u00f2n m\u1ecdi c\u00e1 nh\u00e2n hay ph\u00e1p nh\u00e2n \u0111\u1ec1u c\u00f3 quy\u1ec1n vay ti\u1ec1n c\u1ee7a nhi\u1ec1u c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c. M\u1ed9t c\u00e1 nh\u00e2n hay m\u1ed9t ph\u00e1p nh\u00e2n c\u0169ng c\u00f3 quy\u1ec1n cho nhi\u1ec1u c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c vay ti\u1ec1n. V\u00ec v\u1eady, kh\u00f4ng d\u1ec5 d\u00e0ng \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh tr\u01b0\u1eddng h\u1ee3p n\u00e0o l\u00e0 cho vay h\u1ee3p ph\u00e1p v\u00e0 khi n\u00e0o l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 476 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh \u201c1. L\u00e3i su\u1ea5t vay do 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 do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng\u201d. L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u00e1p d\u1ee5ng t\u1eeb ng\u00e0y 5-11-2010 \u0111\u1ebfn nay v\u1eabn l\u00e0 9%\/n\u0103m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2619\/Q\u0110-NHNN ng\u00e0y 5-11-2010 v\u00e0 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 Vi\u1ec7t Nam \u201cV\u1ec1 M\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam\u201d. Nh\u01b0 v\u1eady, giao d\u1ecbch cho vay n\u00e0o v\u01b0\u1ee3t m\u1ee9c 13,5%\/n\u0103m l\u00e0 giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p v\u1ec1 l\u00e3i su\u1ea5t, nh\u01b0 th\u1ebf b\u1eaft \u0111\u1ea7u c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Tr\u00ean th\u1ef1c t\u1ebf th\u00ec ph\u1ea7n l\u1edbn giao d\u1ecbch cho vay c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n, bao g\u1ed3m giao d\u1ecbch cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c. Hi\u1ebfm c\u00f3 ai l\u1ea1i ngh\u0129 r\u1eb1ng l\u00e3i su\u1ea5t cho vay d\u00e2n s\u1ef1 hi\u1ec7n nay h\u01a1n 13,5%\/n\u0103m l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, m\u1eb7c d\u00f9 \u0111\u00f3 l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p. L\u00f9i v\u1ec1 th\u1eddi \u0111i\u1ec3m t\u1eeb khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1-7-2006 tr\u1edf \u0111i, m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y dao \u0111\u1ed9ng trong kho\u1ea3ng t\u1eeb 10,5% cho \u0111\u1ebfn 21%\/n\u0103m.<\/p>\n<h5><strong>Cho vay trong ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1<\/strong><\/h5>\n<p>B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 hi\u1ec7n h\u00e0nh kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 vi\u1ec7c cho vay tr\u00e1i ph\u00e9p, m\u00e0 ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 159 v\u1ec1 \u201cT\u1ed9i kinh doanh tr\u00e1i ph\u00e9p\u201d. Ho\u1ea1t \u0111\u1ed9ng cho vay tr\u00e1i ph\u00e9p c\u0169ng c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t theo t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p. Khi \u0111\u00f3, h\u00e0nh vi cho vay tr\u00e1i ph\u00e9p c\u00f3 th\u1ec3 ph\u1ea1m t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p n\u1ebfu nh\u01b0 \u201ckh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd kinh doanh\u201d, ho\u1eb7c \u201ckh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd kinh doanh cho vay\u201d, hay \u201ckh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p, m\u00e0 \u0111\u00e3 \u201cb\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh v\u1ec1 h\u00e0nh vi\u201d cho vay tr\u00e1i ph\u00e9p ho\u1eb7c \u0111\u00e3 thu l\u1eddi t\u1eeb 100 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean,\u2026<\/p>\n<p>Nh\u01b0ng nh\u01b0 \u0111\u00e3 ph\u00e2n t\u00edch \u1edf tr\u00ean, vi\u1ec7c cho vay c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p v\u00e0 h\u1ee3p ph\u00e1p m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p ho\u1eb7c \u0111\u0103ng k\u00fd kinh doanh. V\u00ec v\u1eady, nh\u00ecn chung l\u00e0 kh\u00f4ng th\u1ec3 x\u1eed ph\u1ea1t \u0111\u01b0\u1ee3c h\u00e0nh vi cho vay th\u00f4ng th\u01b0\u1eddng v\u1ec1 t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p.<\/p>\n<p>V\u1ec1 l\u00e3i su\u1ea5t cho vay, theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2009, n\u1ebfu ng\u01b0\u1eddi n\u00e0o kh\u00f4ng thu\u1ed9c v\u00e0o tr\u01b0\u1eddng h\u1ee3p \u201cc\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d th\u00ec d\u00f9 c\u00f3 cho vay l\u00e3i su\u1ea5t \u0111\u1ebfn v\u00e0i ngh\u00ecn ph\u1ea7n tr\u0103m, c\u0169ng kh\u00f4ng c\u00f3 t\u1ed9i v\u00e0 c\u0169ng ch\u1eb3ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh. V\u1edbi h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt nh\u01b0 hi\u1ec7n nay, ch\u1ec9 c\u00f3 tr\u01b0\u1eddng h\u1ee3p ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng, th\u00ec m\u1edbi ch\u1eafc ch\u1eafn \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. C\u00f2n sai tr\u00e1i ph\u00e1p lu\u1eadt trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, th\u00ec th\u1eadt kh\u00f3 c\u00f3 th\u1ec3 g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u00e0 c\u0169ng kh\u00f4ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh.<\/p>\n<p>Cu\u1ed1i c\u00f9ng, l\u00e3i su\u1ea5t cho vay l\u00e0 m\u1ed9t lo\u1ea1i gi\u00e1 c\u1ea3 h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c t\u1ef1 do kinh doanh v\u00e0 do th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh. L\u00e3i su\u1ea5t cao hay th\u1ea5p l\u00e0 do hai b\u00ean th\u1ecfa thu\u1eadn t\u1ef1 nguy\u1ec7n, thu\u1eadn mua, v\u1eeba b\u00e1n. V\u00ec v\u1eady, kh\u00f4ng c\u00f2n l\u00fd do \u0111\u1ec3 duy tr\u00ec t\u1ed9i ph\u1ea1m n\u00e0y trong B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1. V\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0 ch\u1ec9 khi n\u00e0o cho vay tr\u00e1i lu\u1eadt c\u00f9ng v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 l\u1eeba \u0111\u1ea3o, gian d\u1ed1i, c\u01b0\u1ee1ng b\u1ee9c, \u00e9p bu\u1ed9c, b\u00f3c l\u1ed9t,&#8230; th\u00ec m\u1edbi c\u1ea7n thi\u1ebft ph\u1ea3i x\u1eed l\u00fd. Khi \u0111\u00f3 th\u00ec c\u00f3 th\u1ec3 x\u1eed ph\u1ea1t h\u00ecnh s\u1ef1 ngay c\u1ea3 tr\u01b0\u1eddng h\u1ee3p cho vay cao h\u01a1n m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t 13,5%, ch\u1ee9 kh\u00f4ng c\u1ea7n ph\u1ea3i cao h\u01a1n g\u1ea5p 10 l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t nh\u01b0 hi\u1ec7n nay (t\u1ee9c h\u01a1n 135%\/n\u0103m) ho\u1eb7c cao h\u01a1n 20% nh\u01b0 D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 hay cao h\u01a1n g\u1ea5p n\u0103m l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t nh\u01b0 D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">,<\/a> Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h5><strong><em>Nh\u00e2n D\u00e2n (Th\u1eddi s\u1ef1 ph\u00e1p lu\u1eadt) 13-11-2015:<\/em><\/strong><\/h5>\n<p><em>http:\/\/www.nhandan.com.vn\/phapluat\/thoi-su-phap-luat\/item\/27962502-van-de-%E2%80%9Ctin-dung-den%E2%80%9D-trong-quy-dinh-cua-luat.html<\/em><\/p>\n<p><em>(V\u1ee5 ph\u00f3 V\u0103n Nghi\u1ec7p Ch\u1ee9c r\u00fat t\u1eeb tham lu\u1eadn)<\/em><\/p>\n<p><em>(1.308\/1.308)<\/em>","protected":false},"excerpt":{"rendered":"<p>V\u1ea5n \u0111\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d trong quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt (ND) C\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 c\u00e1c giao d\u1ecbch vay ti\u1ec1n bi\u1ebfn th\u00e0nh \u201ct\u00edn d\u1ee5ng \u0111en\u201d, nh\u01b0ng y\u1ebfu t\u1ed1 ch\u00ednh y\u1ebfu nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t cao ng\u1ea5t ng\u01b0\u1edfng, \u0111\u00e2y l\u00e0 nguy\u00ean nh\u00e2n \u0111\u1ea9y ng\u01b0\u1eddi vay ti\u1ec1n v\u00e0 cho vay tr\u1edf th\u00e0nh th\u1ee7 ph\u1ea1m v\u00e0 n\u1ea1n [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4778,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[49,36],"class_list":["post-4777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-hinh-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>194. 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