{"id":4783,"date":"2015-08-30T21:18:42","date_gmt":"2015-08-30T14:18:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4783"},"modified":"2024-11-04T11:46:16","modified_gmt":"2024-11-04T04:46:16","slug":"192-binh-luan-quy-dinh-ve-thuc-hien-nghia-vu-tra-tien-va-hop-dong-vay-tai-san-trong-du-thao-blds-2015","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/192-binh-luan-quy-dinh-ve-thuc-hien-nghia-vu-tra-tien-va-hop-dong-vay-tai-san-trong-du-thao-blds-2015\/","title":{"rendered":"192. B\u00ecnh lu\u1eadn quy \u0111\u1ecbnh v\u1ec1 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n v\u00e0 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong d\u1ef1 th\u1ea3o BLDS 2015."},"content":{"rendered":"

B\u00ecnh lu\u1eadn quy \u0111\u1ecbnh v\u1ec1 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n v\u00e0 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong d\u1ef1 th\u1ea3o BLDS 2015<\/span><\/h4>\n
(DCVPL) B\u00e0i n\u00e0y b\u00ecnh lu\u1eadn c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n v\u00e0 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (b\u1ea3n c\u1eadp nh\u1eadt ng\u00e0y 19-5-2015), trong \u0111\u00f3 tr\u1ecdng t\u00e2m l\u00e0 v\u1ec1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay, m\u1ed9t trong 10 n\u1ed9i dung \u0111\u00e3 l\u1ea5y \u00fd ki\u1ebfn nh\u00e2n d\u00e2n v\u00e0 l\u00e0 v\u1ea5n \u0111\u1ec1 g\u00e2y nhi\u1ec1u tranh c\u00e3i.<\/em><\/strong><\/h5>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n:<\/h4>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 289 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh \u201c2. Ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n bao g\u1ed3m c\u1ea3 ti\u1ec1n l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c.<\/em>\u201d Vi\u1ebft nh\u01b0 v\u1eady th\u00ec s\u1ebd ph\u1ea3i hi\u1ec3u theo ngh\u0129a, ti\u1ec1n l\u00e3i ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean n\u1ee3 g\u1ed1c. Nh\u01b0 v\u1eady l\u00e0 m\u00e2u thu\u1eabn v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 432 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m do kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n\u201d v\u1edbi quy \u0111\u1ecbnh: \u201c1. Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n th\u00ec b\u00ean vi ph\u1ea1m ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n.<\/em>\u201d Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n n\u00e0y, th\u00ec ph\u1ea3i hi\u1ec3u r\u1eb1ng, n\u1ebfu ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c, th\u00ec ph\u1ea3i tr\u1ea3 \u201cti\u1ec1n l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c\u201d v\u00e0 n\u1ebfu ch\u1eadm tr\u1ea3 ti\u1ec1n l\u00e3i, th\u00ec c\u0169ng ph\u1ea3i tr\u1ea3 c\u1ea3 \u201cti\u1ec1n l\u00e3i tr\u00ean n\u1ee3 l\u00e3i\u201d.<\/p>\n

Quy \u0111\u1ecbnh nh\u01b0 D\u1ef1 th\u1ea3o ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00eau t\u1ea1i \u0111i\u1ec3m a, kho\u1ea3n 4, M\u1ee5c I, Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 01\/TTLT ng\u00e0y 19-6-1997 c\u1ee7a To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao,\u00a0 Vi\u1ec7n ki\u1ec3m s\u00e1t nh\u00e2n d\u00e2n t\u1ed1i cao, B\u1ed9 T\u01b0 ph\u00e1p, B\u1ed9 T\u00e0i ch\u00ednh \u201cH\u01b0\u1edbng d\u1eabn vi\u1ec7c x\u00e9t x\u1eed v\u00e0 thi h\u00e0nh \u00e1n v\u1ec1 t\u00e0i s\u1ea3n\u201d nh\u01b0 sau:<\/p>\n

\u201ca) V\u1ec1 nguy\u00ean t\u1eafc, ti\u1ec1n l\u00e3i ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean s\u1ed1 n\u1ee3 g\u1ed1c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/em><\/p>\n

Ngo\u00e0i nguy\u00ean t\u1eafc ti\u1ec1n l\u00e3i ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean s\u1ed1 n\u1ee3 g\u1ed1c, c\u00e1c b\u00ean c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c nh\u1eadp l\u00e3i v\u00e0o n\u1ee3 g\u1ed1c \u0111\u1ec3 t\u00ednh l\u00e3i c\u1ee7a th\u1eddi h\u1ea1n vay ti\u1ebfp theo. Tuy nhi\u00ean, \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng b\u00ean cho vay c\u00f3 th\u1ec3 l\u1ee3i d\u1ee5ng tho\u1ea3 thu\u1eadn n\u00e0y \u0111\u1ec3 thu l\u1ee3i tr\u00e1i ph\u00e1p lu\u1eadt, th\u00ec to\u00e0 \u00e1n ch\u1ec9 ch\u1ea5p nh\u1eadn vi\u1ec7c nh\u1eadp l\u00e3i v\u00e0o n\u1ee3 g\u1ed1c m\u1ed9t l\u1ea7n \u0111\u1ed1i v\u1edbi lo\u1ea1i vay c\u00f3 k\u1ef3 h\u1ea1n gi\u1eefa c\u00e1c b\u00ean \u1edf ngo\u00e0i t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng, t\u00edn d\u1ee5ng t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u1ebfn h\u1ea1n tr\u1ea3 n\u1ee3 m\u00e0 ng\u01b0\u1eddi vay kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a m\u00ecnh. C\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c \u0111\u1ec1u ph\u1ea3i t\u00ednh theo l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 313 B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1<\/em>.\u201d [2]<\/a><\/p>\n

V\u00ec v\u1eady, c\u1ea7n ph\u1ea3i ch\u1ec9nh s\u1eeda hai \u0111i\u1ec1u lu\u1eadt n\u00f3i tr\u00ean theo h\u01b0\u1edbng, x\u00e1c \u0111\u1ecbnh r\u00f5 c\u00f3 hay kh\u00f4ng vi\u1ec7c tr\u1ea3 ti\u1ec1n l\u00e3i t\u00ednh tr\u00ean l\u00e3i hay l\u00e3i nh\u1eadp g\u1ed1c, \u0111\u1ec3 tr\u00e1nh vi\u1ec7c tranh c\u00e3i tr\u00ean th\u1ef1c t\u1ebf l\u00e2u nay.<\/p>\n

2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c y\u00eau c\u1ea7u tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc h\u1ea1n:<\/h4>\n

Kho\u1ea3n 3, \u0110i\u1ec1u 480 v\u1ec1 \u201cNgh\u0129a v\u1ee5 c\u1ee7a b\u00ean cho vay\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean cho vay l\u00e0:<\/p>\n

\u201c3. Kh\u00f4ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u b\u00ean vay tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc th\u1eddi h\u1ea1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 485 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>.\u201d<\/p>\n

Quy \u0111\u1ecbnh kh\u00f4ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc h\u1ea1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 485 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n\u201d l\u00e0 m\u00e2u thu\u1eabn v\u1edbi quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 482 v\u1ec1 \u201cS\u1eed d\u1ee5ng t\u00e0i s\u1ea3n vay\u201d c\u1ee7a D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt, v\u1edbi quy \u0111\u1ecbnh nh\u01b0 sau:<\/p>\n

\u201cC\u00e1c b\u00ean c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c t\u00e0i s\u1ea3n vay ph\u1ea3i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch vay; b\u00ean cho vay c\u00f3 quy\u1ec1n ki\u1ec3m tra vi\u1ec7c s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n v\u00e0 c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n vay tr\u01b0\u1edbc th\u1eddi h\u1ea1n, n\u1ebfu \u0111\u00e3 nh\u1eafc nh\u1edf m\u00e0 b\u00ean vay v\u1eabn s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n tr\u00e1i m\u1ee5c \u0111\u00edch<\/em>.\u201d<\/p>\n

Theo \u0110i\u1ec1u 485, th\u00ec b\u00ean vay kh\u00f4ng ch\u1ec9 c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u1ea3n s\u1ea3n tr\u01b0\u1edbc h\u1ea1n \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n, m\u00e0 \u0111\u1ed1i v\u1edbi c\u1ea3 h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng c\u00f3 k\u1ef3 h\u1ea1n, trong tr\u01b0\u1eddng h\u1ee3p b\u00ean vay s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n tr\u00e0i v\u1edbi m\u1ee5c \u0111\u00edch \u0111\u00e3 tho\u1ea3 thu\u1eadn.<\/p>\n

\u0110\u1ed3ng th\u1eddi, \u0110i\u1ec1u 480 ch\u1ec9 quy \u0111\u1ecbnh m\u1ed9t tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc h\u1ea1n c\u0169ng kh\u00f4ng bao qu\u00e1t \u0111\u01b0\u1ee3c c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay tr\u01b0\u1edbc h\u1ea1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng. Theo \u0111\u00f3, b\u00ean cho vay \u0111\u01b0\u1ee3c quy\u1ec1n y\u00eau c\u1ea7u b\u00ean vay tr\u1ea3 l\u1ea1i tr\u01b0\u1edbc h\u1ea1n \u0111\u1ed1i v\u1edbi c\u1ea3 tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 th\u1eddi h\u1ea1n, n\u1ebfu \u201cph\u00e1t hi\u1ec7n kh\u00e1ch h\u00e0ng cung c\u1ea5p th\u00f4ng tin sai s\u1ef1 th\u1eadt, vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/em>\u201d. Ngo\u00e0i ra, c\u00e1c kho\u1ea3n vay gi\u1eefa Vi\u1ec7t Nam v\u1edbi n\u01b0\u1edbc ngo\u00e0i, trong \u0111\u00f3 c\u00f3 c\u00e1c kho\u1ea3n vay c\u1ee7a Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam, c\u0169ng b\u1ecb r\u00e0ng bu\u1ed9c \u0111i\u1ec1u ki\u1ec7n tr\u1ea3 n\u1ee3 t\u01b0\u01a1ng t\u1ef1 nh\u01b0 tr\u00ean.<\/p>\n

V\u00ec v\u1eady, c\u1ea7n s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u n\u00e0y theo h\u01b0\u1edbng, b\u1ed5 sung tr\u01b0\u1eddng h\u1ee3p b\u00ean cho vay \u0111\u01b0\u1ee3c quy\u1ec1n \u0111\u00f2i l\u1ea1i ti\u1ec1n vay tr\u01b0\u1edbc th\u1eddi h\u1ea1n, n\u1ebfu ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh.<\/p>\n

3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n:<\/h4>\n

Kho\u1ea3n 5, \u0110i\u1ec1u 481 v\u1ec1 \u201cNgh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh nh\u01b0 sau:<\/p>\n

\u201c5. Tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 <\/em>l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng 150% l\u00e3i su\u1ea5t vay theo h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/em>\u201d<\/em><\/p>\n

Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n trong trong c\u00e1c B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c x\u1eed l\u00fd r\u1ea5t kh\u00e1c nhau. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 tr\u01b0\u1edbc \u0111\u00e2y th\u00ec quy \u0111\u1ecbnh ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh (b\u1eb1ng kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t trong h\u1ea1n). B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 th\u00ec theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (t\u1eeb 8 \u2013 14%\/n\u0103m). C\u00f2n D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 th\u00ec quy \u0111\u1ecbnh b\u1eb1ng 150% l\u00e3i su\u1ea5t trong h\u1ea1n (kh\u00f4ng d\u1ef1a v\u00e0o quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc). Quy \u0111\u1ecbnh \u201cl\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng 150% l\u00e3i su\u1ea5t vay<\/em>\u201d trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, v\u00ec nh\u1eefng l\u00fd do sau:<\/p>\n

Th\u1ee9 nh\u1ea5t,<\/em> \u0111\u00e3 n\u1ee3 qu\u00e1 h\u1ea1n, th\u00ec t\u00ednh ch\u1ea5t nh\u01b0 sau, c\u1ea7n ch\u1ecbu m\u1ed9t ch\u1ebf t\u00e0i t\u01b0\u01a1ng t\u1ef1, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c. Quy \u0111\u1ecbnh nh\u01b0 D\u1ef1 th\u1ea3o, th\u00ec m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n c\u00f3 th\u1ec3 kh\u00e1c nhau qu\u00e1 nhi\u1ec1u. N\u1ebfu l\u00e3i su\u1ea5t cho vay th\u1ea5p, do \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i, th\u00ec khi qu\u00e1 h\u1ea1n s\u1ebd ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i \u1edf m\u1ee9c th\u1ea5p v\u00e0 ng\u01b0\u1ee3c l\u1ea1i n\u1ebfu l\u00e3i su\u1ea5t cho vay \u1edf m\u1ee9c cao, kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n nh\u01b0 hi\u1ec7n nay c\u0169ng nh\u01b0 trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn dung, c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 50 \u2013 60%, th\u00ec l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n s\u1ebd qu\u00e1 cao (c\u1ed9ng th\u00eam 25 \u2013 30%);<\/p>\n

Th\u1ee9 hai, <\/em>quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt hi\u1ec7n h\u00e0nh, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1, t\u1ee9c trong v\u00f2ng g\u1ea7n 5 n\u0103m qua gi\u1eef nguy\u00ean m\u1ee9c 9%\/n\u0103m;<\/p>\n

Th\u1ee9 ba,<\/em> quy \u0111\u1ecbnh \u00e1p d\u1ee5ng trong ng\u00e0nh Ng\u00e2n h\u00e0ng t\u1eeb n\u0103m 2001 \u0111\u1ebfn nay theo kho\u1ea3n 2, \u0110i\u1ec1u 11 v\u1ec1 L\u00e3i su\u1ea5t cho vay\u201d, Quy ch\u1ebf Cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, \u0111\u01b0\u1ee3c ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627 \/2001\/Q\u0110-NHNN \u00a0ng\u00e0y 31-12-2001 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i n\u0103m 2005, 2011 v\u00e0 2013), l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n do c\u00e1c b\u00ean tho\u00e0 thu\u1eadn c\u0169ng ch\u1ec9 l\u00e0 \u201ckh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t cho vay\u201d, ch\u1ee9 kh\u00f4ng ch\u1ed1t c\u1ee9ng \u201cb\u1eb1ng 150%\u201d.<\/p>\n

4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n vay n\u1ebfu s\u1eed d\u1ee5ng tr\u00e1i m\u1ee5c \u0111\u00edch:<\/h4>\n

\u0110i\u1ec1u 482 v\u1ec1 \u201cS\u1eed d\u1ee5ng t\u00e0i s\u1ea3n vay\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh:<\/p>\n

\u201cC\u00e1c b\u00ean c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c t\u00e0i s\u1ea3n vay ph\u1ea3i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch vay; b\u00ean cho vay c\u00f3 quy\u1ec1n ki\u1ec3m tra vi\u1ec7c s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n v\u00e0 c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n vay tr\u01b0\u1edbc th\u1eddi h\u1ea1n, n\u1ebfu \u0111\u00e3 nh\u1eafc nh\u1edf m\u00e0 b\u00ean vay v\u1eabn s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n tr\u00e1i m\u1ee5c \u0111\u00edch.<\/em>\u201d<\/p>\n

Quy \u0111\u1ecbnh b\u00ean cho vay c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n vay tr\u01b0\u1edbc h\u1ea1n v\u1edbi \u0111i\u1ec1u ki\u1ec7n \u201cn\u1ebfu \u0111\u00e3 nh\u1eafc nh\u1edf m\u00e0 b\u00ean vay v\u1eabn s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n tr\u00e1i m\u1ee5c \u0111\u00edch\u201d l\u00e0 ch\u01b0a bao qu\u00e1t \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng. Theo \u0111\u00f3, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy\u1ec1n \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay tr\u01b0\u1edbc h\u1ea1n m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i nh\u1eafc nh\u1edf m\u00e0 b\u00ean vay v\u1eabn kh\u00f4ng kh\u1eafc ph\u1ee5c, v\u00ec m\u1ee5c ti\u00eau b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u1ed1n vay. \u0110\u1ed3ng th\u1eddi, c\u1ee5m t\u1eeb \u201ctr\u00e1i<\/em> m\u1ee5c \u0111\u00edch\u201d c\u0169ng kh\u00f4ng r\u00f5 r\u00e0ng v\u00e0 h\u1ee3p l\u00fd.<\/p>\n

V\u00ec v\u1eady, c\u1ea7n xem x\u00e9t s\u1eeda \u0111\u1ed5i theo h\u01b0\u1edbng, b\u00ean cho vay c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n vay tr\u01b0\u1edbc th\u1eddi h\u1ea1n, n\u1ebfu \u0111\u00e3 nh\u1eafc nh\u1edf m\u00e0 b\u00ean vay v\u1eabn s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n tr\u00e1i m\u1ee5c \u0111\u00edch, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c, \u0111\u1ec3 bao \u0111\u1ea3m s\u1ef1 bao qu\u00e1t h\u01a1n h\u01a1n. \u0110\u1ed3ng th\u1eddi, c\u1ea7n s\u1eeda c\u1ee5m t\u1eeb \u201ctr\u00e1i<\/em> m\u1ee5c \u0111\u00edch\u201d th\u00e0nh \u201csai<\/em> m\u1ee5c \u0111\u00edch\u201d \u0111\u1ec3 ph\u00f9 h\u1ee3p h\u01a1n v\u00e0 t\u01b0\u01a1ng th\u00edch v\u1edbi v\u1ebf tr\u01b0\u1edbc l\u00e0 \u201c\u0111\u00fang<\/em> m\u1ee5c \u0111\u00edch\u201d<\/p>\n

5.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t:<\/h4>\n

Kho\u1ea3n <\/em>3<\/em>, \u0110i\u1ec1u 483 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh:<\/em><\/p>\n

\u201c<\/em>3.<\/em> Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 200% <\/em>theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng <\/em>N<\/em>h\u00e0 n\u01b0\u1edbc <\/em>Vi\u1ec7t Nam <\/em>c\u00f4ng b\u1ed1, <\/em>tr\u1eeb tr\u01b0\u1eddng h\u1ee3p Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>.<\/em>\u201d<\/em><\/p>\n

Quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t nh\u01b0 tr\u00ean c\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec3m kh\u00f4ng h\u1ee3p l\u00fd nh\u01b0 sau:<\/p>\n

Th\u1ee9 nh\u1ea5t,<\/em> quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n n\u00e0y, m\u1eb7c d\u00f9 \u0111\u00e3 t\u0103ng t\u1eeb kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n trong B\u1ed9 lu\u1eadt hi\u1ec7n h\u00e0nh l\u00ean 200%, nh\u01b0ng v\u1eabn c\u00f2n qu\u00e1 xa r\u1eddi th\u1ef1c t\u1ebf su\u1ed1t m\u1ea5y ch\u1ee5c n\u0103m nay. T\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y, m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t theo B\u1ed9 lu\u1eadt hi\u1ec7n h\u00e0nh ch\u1ec9 l\u00e0 13,5%\/n\u0103m, c\u00f2n theo D\u1ef1 th\u1ea3o th\u00ec ch\u1ec9 l\u00e0 18%\/n\u0103m, trong khi l\u00e3i su\u1ea5t cho vay trong giao d\u1ecbch kinh t\u1ebf, d\u00e2n s\u1ef1 n\u00f3i chung, cho vay c\u1ea7m \u0111\u1ed3 n\u00f3i ri\u00eang v\u00e0 k\u1ec3 c\u1ea3 c\u1ee7a m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang \u1edf m\u1ee9c th\u1ea5p trong nhi\u1ec1u n\u0103m qua, th\u00ec c\u0169ng v\u1eabn c\u00f3 th\u1ec3 cao h\u01a1n, th\u1eadm ch\u00ed l\u00ean \u0111\u1ebfn m\u1ee9c 50 \u2013 70%\/n\u0103m (\u0111\u1ed1i v\u1edbi cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh);<\/p>\n

Th\u1ee9 hai,<\/em> quy \u0111\u1ecbnh b\u1eafc c\u1ea7u nh\u01b0 tr\u00ean v\u1eeba kh\u00f4ng h\u1ee3p l\u00fd, v\u1eeba g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c n\u1eafm b\u1eaft v\u00e0 th\u1ef1c hi\u1ec7n tr\u00ean th\u1ef1c t\u1ebf. V\u00ec v\u1eady, c\u1ea7n quy \u0111\u1ecbnh m\u1ed9t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Tr\u01b0\u1eddng h\u1ee3p c\u1ea7n thi\u1ebft ph\u1ea3i \u0111i\u1ec3u ch\u1ec9nh cho ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh l\u1ea1m ph\u00e1t th\u00ec c\u00f3 th\u1ec3 giao cho U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i ho\u1eb7c Ch\u00ednh ph\u1ee7 quy\u1ebft \u0111\u1ecbnh. Kh\u00f4ng n\u00ean lo ng\u1ea1i vi\u1ec7c bi\u1ebfn \u0111\u1ed9ng gi\u1edbi h\u1ea1n n\u00e0y, v\u00ec \u0111\u00f3 l\u00e0 m\u1ed9t m\u1ee9c tr\u1ea7n kh\u00e1 r\u1ed9ng r\u00e3i, c\u00f3 th\u1ec3 \u1ed5n \u0111\u1ecbnh trong nhi\u1ec1u n\u0103m. \u0110\u1eb7c bi\u1ec7t th\u1ef1c t\u1ebf m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1t c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong m\u1ed9t \u0111\u1ea1o lu\u1eadt. V\u00ed d\u1ee5 nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 92 v\u1ec1 \u201cTr\u01b0\u1eddng h\u1ee3p b\u1ecb c\u01b0\u1ee1ng ch\u1ebf thi h\u00e0nh quy\u1ebft \u0111\u1ecbnh h\u00e0nh ch\u00ednh thu\u1ebf\u201d, Lu\u1eadt Qu\u1ea3n l\u00fd thu\u1ebf n\u0103m 2006, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i,b\u1ed5 sung n\u0103m 2012: \u201c<\/em>Ng\u01b0\u1eddi n\u1ed9p thu\u1ebf ph\u1ea3i n\u1ed9p ti\u1ec1n ch\u1eadm n\u1ed9p theo m\u1ee9c 0,05%\/ng\u00e0y t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n thu\u1ebf ch\u1eadm n\u1ed9p<\/em>.\u201d, t\u1ee9c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 18%\/n\u0103m. T\u01b0\u01a1ng t\u1ef1 l\u00e0 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, <\/a>\u0110i\u1ec1u 78 v\u1ec1 \u201cTh\u1ee7 t\u1ee5c n\u1ed9p ti\u1ec1n ph\u1ea1t\u201d, Lu\u1eadt X\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh n\u0103m 2012: N\u1ebfu qu\u00e1 th\u1eddi h\u1ea1n n\u1ed9p ph\u1ea1t, \u201cth\u00ec s\u1ebd b\u1ecb c\u01b0\u1ee1ng ch\u1ebf thi h\u00e0nh quy\u1ebft \u0111\u1ecbnh x\u1eed ph\u1ea1t v\u00e0 c\u1ee9 m\u1ed7i ng\u00e0y ch\u1eadm n\u1ed9p ph\u1ea1t th\u00ec c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c vi ph\u1ea1m ph\u1ea3i n\u1ed9p th\u00eam 0,05% tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea1t ch\u01b0a n\u1ed9p.\u201d;\u00a0\u00a0<\/em><\/p>\n

Th\u1ee9 ba,<\/em> gi\u1edbi h\u1ea1n n\u00f3i tr\u00ean \u0111\u00e3 \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy \u0111\u1ecbnh kh\u00e1c\u201d l\u00e0 h\u00e0m \u00fd, kh\u00f4ng \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Nh\u01b0 v\u1eady l\u00e0 t\u1ea1o ra s\u1ef1 b\u1ea5t c\u00f4ng b\u1eb1ng r\u1ea5t l\u1edbn gi\u1eefa l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c. Tr\u1ea7n l\u00e3i su\u1ea5t qu\u00e1 th\u1ea5p, kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ho\u1ea1t \u0111\u1ed9ng m\u1ed9t c\u00e1ch b\u00ecnh th\u01b0\u1eddng, th\u1ef1c t\u1ebf theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec ph\u1ea3i t\u1ea1o tr\u1ea7n \u0111\u1ee7 h\u1ee3p l\u00fd \u0111\u1ec3 tr\u00e1nh b\u00f3p ngh\u1eb9t c\u01a1 ch\u1ebf t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t, ch\u1ee9 kh\u00f4ng th\u1ec3 b\u00f3p m\u1ed9t b\u00ean v\u00e0 b\u00f4ng m\u1ed9t b\u00ean. Kh\u00f4ng c\u1ea7n ngh\u0129 ra gi\u1ea3i ph\u00e1p m\u1edbi, m\u00e0 ch\u1ec9 c\u1ea7n tham kh\u1ea3o quy \u0111\u1ecbnh t\u1ea1i <\/em>kho\u1ea3n 1, \u0110i\u1ec1u 473 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 tr\u01b0\u1edbc \u0111\u00e2y: \u201c<\/em>1- L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 50% c\u1ee7a l\u00e3i su\u1ea5t cao nh\u1ea5t do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng.<\/em>\u201d Nh\u01b0 v\u1eady, khi \u0111\u00f3, l\u00e3i su\u1ea5t cho vay phi ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e9p cao h\u01a1n 50% so v\u1edbi l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng. C\u00f2n hi\u1ec7n nay v\u00e0 D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt th\u00ec theo h\u01b0\u1edbng ho\u00e0n to\u00e0n ng\u01b0\u1ee3c l\u1ea1i: L\u00e3i su\u1ea5t cho vay ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 cao g\u1ea5p nhi\u1ec1u l\u1ea7n l\u00e3i su\u1ea5t cho vay phi ng\u00e2n h\u00e0ng. C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 \u0111\u01a1n v\u1ecb cho vay chuy\u00ean nghi\u1ec7p, \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng m\u00e0 kh\u00f4ng ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t nh\u01b0 v\u1eady, th\u00ec kh\u00f4ng th\u1ec3 b\u1eaft c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c ph\u1ea3i tu\u00e2n th\u1ee7 tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u00f3.<\/em><\/p>\n

Ngo\u00e0i ra, c\u00f2n b\u1ea5t c\u1eadp kh\u00e1c t\u1eeb quy \u0111\u1ecbnh \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy \u0111\u1ecbnh kh\u00e1c\u201d. V\u00ec kho\u1ea3n 2, \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<\/em>\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 quy \u0111\u1ecbnh: <\/em><\/p>\n

\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.\u201d<\/em><\/p>\n

V\u1eady, l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1eabn ph\u1ea3i theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Nh\u01b0 v\u1eady, th\u00ec v\u1eabn ph\u1ea3i theo quy \u0111\u1ecbnh c\u1ee7a v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c cao nh\u1ea5t l\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 l\u00e3i su\u1ea5t. <\/em><\/p>\n

Th\u1ee9 t\u01b0,<\/em> quy \u0111\u1ecbnh \u201cl\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 200% theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d th\u00ec c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn 2 c\u00e1ch hi\u1ec3u kh\u00e1c nhau. \u0110\u00f3 l\u00e0 l\u00e3i su\u1ea5t t\u1ed1i \u0111a b\u1eb1ng 200% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 t\u1ed1i \u0111a b\u1eb1ng 300% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. B\u1eb1ng ch\u1ee9ng l\u00e0 hai quy \u0111\u1ecbnh ho\u00e0n to\u00e0n kh\u00e1c nhau xong l\u1ea1i \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 m\u1ed9t m\u1ee9c gi\u1ed1ng nhau. \u0110\u00f3 l\u00e0 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 473 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 tr\u01b0\u1edbc \u0111\u00e2y: \u201c1. L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 50% c\u1ee7a l\u00e3i su\u1ea5t cao nh\u1ea5t do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng<\/em>.\u201d V\u00e0 kho\u1ea3n 1, \u0110i\u1ec1u 476 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 hi\u1ec7n h\u00e0nh: \u201c1. L\u00e3i su\u1ea5t vay do 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 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.<\/em>\u201d \u201cKh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 50%\u201d v\u00e0 \u201ckh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150%\u201d cu\u1ed1i c\u00f9ng v\u1eabn cho ra c\u00f9ng m\u1ed9t \u0111\u00e1p s\u1ed1 \u201ct\u1ed1i \u0111a b\u1eb1ng 150%\u201d c\u1ee7a m\u1ed1c l\u00e3i su\u1ea5t so s\u00e1nh.<\/p>\n

Th\u1ee9 n\u0103m,<\/em> m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y kh\u00f4ng n\u00ean nh\u1eb1m \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c m\u1ee5c ti\u00eau kh\u00e1c. Th\u1ef1c t\u1ebf nhi\u1ec1u n\u0103m nay, n\u1ebfu cho vay v\u01b0\u1ee3t 150% m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n cho \u0111\u1ebfn m\u1ee9c d\u01b0\u1edbi 10 l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t do ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh th\u00ec ho\u00e0n to\u00e0n kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh. Th\u1eadm ch\u00ed v\u01b0\u1ee3t qu\u00e1 10 l\u1ea7n l\u00e3i su\u1ea5t cao nh\u1ea5t nh\u01b0ng ch\u01b0a \u201cc\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d th\u00ec c\u0169ng kh\u00f4ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, kh\u00f4ng th\u1ec3 d\u1ef1a v\u00e0o tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y \u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf x\u1eed l\u00fd t\u1ed9i cho vay l\u00e3i n\u1eb7ng trong B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1. T\u1ed9i ph\u1ea1m h\u00ecnh s\u1ef1 cho vay l\u00e3i n\u1eb7ng th\u00ec c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 l\u00e0 cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb bao nhi\u00eau ph\u1ea7n tr\u0103m tr\u1edf l\u00ean (ch\u1eb3ng h\u1ea1n t\u1eeb 200%\/n\u0103m tr\u1edf l\u00ean) thi ph\u1ea1m t\u1ed9i, ch\u1ee9 kh\u00f4ng th\u1ec3 b\u1eafc c\u1ea7u sang m\u1ee9c l\u00e3i su\u1ea5t trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u00e0 v\u1eabn g\u00e2y ra tranh c\u00e3i nhi\u1ec1u n\u0103m nay. R\u1ed3i c\u00e1ch \u1ea5n \u0111\u1ecbnh t\u1ef7 l\u1ec7 v\u01b0\u1ee3t qu\u00e1 \u0111\u1ec3 x\u1eed l\u00fd h\u00ecnh s\u1ef1 c\u0169ng r\u1ea5t k\u1ef3 l\u1ea1, tr\u01b0\u1edbc n\u0103m 1999 th\u00ec t\u00ednh b\u1eb1ng 5 l\u1ea7n, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 1999 th\u00ec t\u00ecnh b\u1eb1ng 10 l\u1ea7n, r\u1ed3i d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 hi\u1ec7n nay th\u00ec l\u1ea1i quay v\u1ec1 b\u1eb1ng 5 l\u1ea7n l\u00e3i su\u1ea5t cao nh\u1ea5t.<\/em><\/p>\n

V\u00ec v\u1eady, n\u1ebfu kh\u00f4ng b\u1ecf \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt, th\u00ec c\u1ea7n quy \u0111\u1ecbnh m\u1ed9t tr\u1ea7n l\u00e3i su\u1ea5t m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3, h\u1ee3p l\u00fd, \u0111\u1ee7 r\u1ed9ng \u0111\u1ec3 \u00e1p d\u1ee5ng chung cho m\u1ecdi l\u0129nh v\u1ef1c. V\u00e0 d\u00f9 theo ph\u01b0\u01a1ng \u00e1n n\u00e0o, th\u00ec \u00edt nh\u1ea5t gi\u1edbi h\u1ea1n \u0111\u00f3 c\u0169ng ph\u1ea3i l\u00e0 30%\/n\u0103m, c\u00f2n h\u1ee3p l\u00fd h\u01a1n l\u00e0 ph\u1ea3i t\u1eeb 50 \u2013 70%\/n\u0103m.<\/em><\/p>\n

6.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n:<\/h4>\n

\u0110o\u1ea1n 2, kho\u1ea3n <\/em>3<\/em>, \u0110i\u1ec1u 483 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh: <\/em><\/p>\n

\u201c<\/em>Tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn v\u01b0\u1ee3t qu\u00e1 l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh <\/em>t\u1ea1i <\/em>kho\u1ea3n n\u00e0y th\u00ec m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c<\/em>.<\/em>\u201d. <\/em><\/p>\n

Quy \u0111\u1ecbnh tr\u00ean ghi nh\u1eadn th\u1ef1c t\u1ebf x\u00e9t x\u1eed nhi\u1ec1u n\u0103m nay c\u1ee7a To\u00e0 \u00e1n. Tuy nhi\u00ean, \u0111\u1ebfn l\u00fac c\u1ea7n ph\u1ea3i xem l\u1ea1i, v\u00ec nh\u01b0 v\u1eady th\u00ec lu\u00f4n t\u1ea1o ra t\u00ecnh tr\u1ea1ng vi ph\u1ea1m tr\u00e0n lan, coi th\u01b0\u1eddng ph\u00e1p lu\u1eadt. M\u1ecdi giao d\u1ecbch c\u1ee9 tha h\u1ed3 v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t m\u00e0 kh\u00f4ng b\u1ecb ch\u1ebf t\u00e0i g\u00ec, khi ra to\u00e0 th\u00ec v\u1eabn c\u1ee9 b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i \u0111\u00fang y s\u00ec nh\u01b0 lu\u1eadt \u0111\u1ecbnh. Mu\u1ed1n t\u1ea1o ra s\u1ef1 nghi\u00eam minh c\u1ee7a ph\u00e1p lu\u1eadt, th\u00ec c\u1ea7n quy \u0111\u1ecbnh theo h\u01b0\u1edbng, n\u1ebfu tho\u1ea3 thu\u1eadn v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t th\u00ec ph\u00e1p lu\u1eadt s\u1ebd kh\u00f4ng th\u1eeba nh\u1eadn to\u00e0n b\u1ed9 l\u00e3i su\u1ea5t. C\u00f3 nh\u01b0 v\u1eady th\u00ec m\u1edbi bu\u1ed9c c\u00e1c ch\u1ee7 th\u1ec3 tham gia giao d\u1ecbch c\u00f3 \u00fd th\u1ee9c tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt, b\u1eb1ng c\u00e1ch ph\u1ea3i quy\u1ebft \u0111\u1ecbnh l\u1ef1a ch\u1ecdn gi\u1eefa \u201c\u0111\u01b0\u1ee3c \u0103n c\u1ea3, ng\u00e3 v\u1ec1 kh\u00f4ng\u201d. T\u1ea5t nhi\u00ean, \u0111i\u1ec1u n\u00e0y ch\u1ec9 h\u1ee3p l\u00fd khi ph\u00e1p lu\u1eadt t\u1ea1o ra m\u1ed9t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 b\u1ea5t h\u1ee3p l\u00fd nh\u01b0 tr\u00ean.<\/em><\/p>\n

7.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 quy\u1ec1n \u0111\u00f2i v\u00e0 tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n vay kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i:<\/h4>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 484 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng k\u1ef3 h\u1ea1n\u201d quy \u0111\u1ecbnh:<\/p>\n

\u201c2. \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i th\u00ec b\u00ean cho vay c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o nh\u01b0ng ph\u1ea3i b\u00e1o tr\u01b0\u1edbc cho b\u00ean vay m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd v\u00e0 \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m nh\u1eadn l\u1ea1i t\u00e0i s\u1ea3n, c\u00f2n b\u00ean vay c\u0169ng c\u00f3 quy\u1ec1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i cho \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3, nh\u01b0ng c\u0169ng ph\u1ea3i b\u00e1o tr\u01b0\u1edbc cho b\u00ean cho vay m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd.\u201d<\/em><\/p>\n

Quy \u0111\u1ecbnh n\u00e0y ch\u01b0a bao qu\u00e1t v\u00e0 h\u1ee3p l\u00fd \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng l\u00e0 b\u00ean \u0111i vay v\u1ed1n (\u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 huy \u0111\u1ed9ng hay nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng). Theo quy \u0111\u1ecbnh t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng, th\u00ec \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n, kh\u00f4ng ph\u00e2n bi\u1ec7t c\u00f3 hay kh\u00f4ng c\u00f3 l\u00e3i, kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n (cho vay ti\u1ec1n) kh\u00f4ng ph\u1ea3i \u201cb\u00e1o tr\u01b0\u1edbc cho b\u00ean vay m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd\u201d ho\u1eb7c n\u1ebfu c\u00f3 th\u00ec ch\u1ec9 c\u1ea7n b\u00e1o tr\u01b0\u1edbc \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u1edbn \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n chi tr\u1ea3. \u0110\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng (theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 12, \u0110i\u1ec1u 4 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 th\u00ec \u201cT\u00e0i kho\u1ea3n thanh to\u00e1n l\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a kh\u00e1ch h\u00e0ng m\u1edf t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ec3 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n do ng\u00e2n h\u00e0ng cung \u1ee9ng<\/em>.\u201d) th\u00ec ng\u01b0\u1eddi g\u1eedi (t\u1ee9c c\u0169ng l\u00e0 ng\u01b0\u1eddi cho vay) \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u01b0\u1ee3c \u201c\u0111\u00f2i l\u1ea1i\u201d b\u1ea5t c\u1ee9 l\u00fac n\u00e0o.<\/p>\n

V\u00ec v\u1eady, c\u1ea7n quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i th\u00ec c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 kh\u00f4ng c\u00f3 l\u00e3i theo h\u01b0\u1edbng nh\u01b0 sau: B\u00ean cho vay c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, nh\u01b0ng ph\u1ea3i b\u00e1o cho b\u00ean vay bi\u1ebft tr\u01b0\u1edbc m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i ph\u1ea3i b\u00e1o tr\u01b0\u1edbc.<\/p>\n

8.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 quy\u1ec1n \u0111\u00f2i v\u00e0 tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n vay c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 kh\u00f4ng c\u00f3 l\u00e3i:<\/h4>\n

Kho\u1ea3n 1, \u0110i\u1ec1u 485 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n\u201d quy \u0111\u1ecbnh:<\/p>\n

\u201c1. \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 kh\u00f4ng c\u00f3 l\u00e3i th\u00ec b\u00ean vay c\u00f3 quy\u1ec1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, nh\u01b0ng ph\u1ea3i b\u00e1o tr\u01b0\u1edbc cho b\u00ean cho vay m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd, c\u00f2n b\u00ean cho vay ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n, n\u1ebfu \u0111\u01b0\u1ee3c b\u00ean vay \u0111\u1ed3ng \u00fd.<\/em>\u201d<\/p>\n

C\u1ea7n xem l\u1ea1i quy \u0111\u1ecbnh \u201cb\u00ean cho vay ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n, n\u1ebfu \u0111\u01b0\u1ee3c b\u00ean vay \u0111\u1ed3ng \u00fd\u201d, v\u00ec b\u00ean \u0111\u00e3 cho vay kh\u00f4ng c\u00f3 l\u00e3i th\u00ec c\u1ea7n ph\u1ea3i c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o, \u00edt nh\u1ea5t c\u0169ng ph\u1ea3i trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p.<\/p>\n

9.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 quy\u1ec1n \u0111\u00f2i v\u00e0 tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n vay c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i:<\/h4>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 485 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n\u201d quy \u0111\u1ecbnh:<\/p>\n

\u201c2. \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i th\u00ec b\u00ean vay c\u00f3 quy\u1ec1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n \u0111\u1ed3ng th\u1eddi c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 l\u00e3i v\u1edbi m\u1ee9c h\u1ee3p l\u00fd.\u201d <\/em><\/p>\n

Quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c s\u1ef1 b\u1ea5t h\u1ee3p l\u00fd v\u1ec1 vi\u1ec7c, tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n th\u00ec \u201cph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 l\u00e3i theo k\u1ef3 h\u1ea1n\u201d t\u1ea1i \u0110i\u1ec1u 478 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hi\u1ec7n h\u00e0nh. Tuy nhi\u00ean, D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh \u201cc\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 l\u00e3i v\u1edbi m\u1ee9c h\u1ee3p l\u00fd\u201d th\u00ec l\u1ea1i qu\u00e1 chung chung, m\u01a1 h\u1ed3, c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn c\u00e1ch hi\u1ec3u ph\u1ea3i tr\u1ea3 g\u1ea7n 100% s\u00f4 ti\u1ec1n l\u00e3i nh\u01b0 v\u1eabn x\u1ea3y ra tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

V\u00ec v\u1eady, c\u1ea7n quy \u0111\u1ecbnh r\u00f5 theo h\u01b0\u1edbng, khi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i v\u1edbi m\u1ee9c kh\u00f4ng qu\u00e1 50% l\u00e3i theo k\u1ef3 h\u1ea1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c v\u1edbi m\u1ee9c th\u1ea5p h\u01a1n ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n

10.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 h\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng:<\/h4>\n

H\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 486, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt. C\u1ea7n xem l\u1ea1i t\u00ean \u0110i\u1ec1u lu\u1eadt, ch\u1ec9 n\u00ean s\u1eed d\u1ee5ng m\u1ed9t t\u1eeb, v\u00ec h\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng l\u00e0 4 t\u1eeb kh\u00e1c nhau \u0111\u1ec3 c\u00f9ng ch\u1ec9 m\u1ed9t lo\u1ea1i giao d\u1ecbch, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e1ch vi\u1ebft m\u1ed9t c\u00e1 nh\u00e2n ch\u1ebft, m\u1ea5t, t\u1eeb tr\u1ea7n, qua \u0111\u1eddi, hy sinh,…<\/p>\n

\u0110\u1ed3ng th\u1eddi, \u0111\u00e3 c\u00f3 m\u1ed9t Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c n\u00e0y, th\u00ec c\u1ea7n ph\u1ea3i xem x\u00e9t ch\u1ecdn l\u1ecdc nh\u1eefng n\u1ed9i dung h\u1ee3p l\u00fd c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh \u0111\u1ec3 \u0111\u01b0a v\u00e0o B\u1ed9 lu\u1eadt, kh\u00f4ng n\u00ean ti\u1ebfp t\u1ee5c duy tr\u00ec m\u1ed9t Ngh\u1ecb \u0111\u1ecbnh ri\u00eang.<\/p>\n

Ngo\u00e0i ra, c\u1ea7n b\u1ea3o \u0111\u1ea3m s\u1ef1 th\u1ed1ng nh\u1ea5t v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng t\u1eeb \u201cn\u1eb7ng l\u00e3i\u201d hay \u201cl\u00e3i n\u1eb7ng\u201d. Hi\u1ec7n nay, kho\u1ea3n 3, \u0110i\u1ec1u n\u00e0y quy \u0111\u1ecbnh \u201cNghi\u00eam c\u1ea5m vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ecd d\u01b0\u1edbi h\u00ecnh th\u1ee9c cho vay n\u1eb7ng l\u00e3i<\/em>.\u201d Trong khi \u0111\u00f3, kho\u1ea3n 1, \u0110i\u1ec1u 12 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam n\u0103m 2010 quy \u0111\u1ecbnh: \u201c1. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t kh\u00e1c \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i<\/em>.\u201d C\u00f2n B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 1985 tr\u01b0\u1edbc \u0111\u00e2y c\u0169ng nh\u01b0 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 1999 hi\u1ec7n h\u00e0nh v\u00e0 D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt H\u00ccnh s\u1ef1 n\u0103m 2015 th\u00ec \u0111\u1ec1u quy \u0111\u1ecbnh v\u1ec1 \u201cT\u1ed9i cho vay l\u00e3i n\u1eb7ng\u201d. V\u1eady \u201cn\u1eb7ng l\u00e3i\u201d v\u00e0 \u201cl\u00e3i n\u1eb7ng\u201d l\u00e0 hai kh\u00e1i mi\u1ec7m kh\u00e1c hay gi\u1ed1ng nhau?<\/p>\n

V\u00e0 n\u1ebfu \u201cnghi\u00eam c\u1ea5m vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ecd d\u01b0\u1edbi h\u00ecnh th\u1ee9c cho vay n\u1eb7ng l\u00e3i\u201d \u0111\u1ebfn m\u1ee9c ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1, th\u00ec vi\u1ec7c t\u1ed5 ch\u1ee9c d\u01b0\u1edbi h\u00ecnh th\u1ee9c cho vay v\u01b0\u1ee3t 200% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (v\u01b0\u1ee3t tr\u1ea7n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1) \u0111\u1ebfn d\u01b0\u1edbi m\u1ee9c ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 cho vay l\u00e3i n\u1eb7ng th\u00ec c\u00f3 b\u1ecb nghi\u00eam c\u1ea5m hay kh\u00f4ng? Ch\u1eb3ng l\u1ebd c\u00f9ng l\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt, nh\u01b0ng ph\u1ea3i \u0111\u1ebfn m\u1ed9t m\u1ee9c n\u00e0o \u0111\u00f3 th\u00ec m\u1edbi b\u1ecb nghi\u00eam c\u1ea5m?<\/p>\n

———————————-<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/a> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n

\n

H\u00e0 N\u1ed9i 8-2015<\/em><\/strong><\/p>\n

 <\/p>\n

B\u00ccNH LU\u1eacN QUY \u0110\u1ecaNH V\u1ec0 TH\u1ef0C HI\u1ec6N NGH\u0128A V\u1ee4 TR\u1ea2 TI\u1ec0N V\u00c0 H\u1ee2P \u0110\u1ed2NG VAY T\u00c0I S\u1ea2N TRONG D\u1ef0 TH\u1ea2O B\u1ed8 LU\u1eacT D\u00c2N S\u1ef0 N\u0102M 2015[1]<\/a><\/p>\n

[1]<\/a> \u00a0 B\u00e0i th\u1ee9 28 trong lo\u1ea1t b\u00e0i g\u00f3p \u00fd x\u00e2y d\u1ef1ng D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

[2]<\/a> \u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 313 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 quy \u0111\u1ecbnh nh\u01b0 sau:<\/p>\n

\u201c2. Trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 ch\u1eadm tr\u1ea3 ti\u1ec1n, th\u00ec ng\u01b0\u1eddi \u0111\u00f3 ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/em>\u201d","protected":false},"excerpt":{"rendered":"

B\u00ecnh lu\u1eadn quy \u0111\u1ecbnh v\u1ec1 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n v\u00e0 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong d\u1ef1 th\u1ea3o BLDS 2015 (DCVPL) B\u00e0i n\u00e0y b\u00ecnh lu\u1eadn c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n v\u00e0 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (b\u1ea3n c\u1eadp nh\u1eadt ng\u00e0y 19-5-2015), […]<\/p>\n","protected":false},"author":7,"featured_media":4785,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50],"class_list":["post-4783","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":"\n192. B\u00ecnh lu\u1eadn quy \u0111\u1ecbnh v\u1ec1 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n v\u00e0 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong d\u1ef1 th\u1ea3o BLDS 2015. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"B\u00ecnh lu\u1eadn c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n v\u00e0 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, tr\u1ecdng t\u00e2m l\u00e0 v\u1ec1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t\" \/>\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\/vi\/192-binh-luan-quy-dinh-ve-thuc-hien-nghia-vu-tra-tien-va-hop-dong-vay-tai-san-trong-du-thao-blds-2015\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]192. 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