{"id":4784,"date":"1999-07-30T21:22:28","date_gmt":"1999-07-30T14:22:28","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4784"},"modified":"2024-11-15T15:21:29","modified_gmt":"2024-11-15T08:21:29","slug":"47-mot-so-vuong-mac-phap-ly-giua-lai-suat-ngan-hang-voi-cac-quy-dinh-ve-lai-suat-trong-cac-van-ban-phap-luat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/47-mot-so-vuong-mac-phap-ly-giua-lai-suat-ngan-hang-voi-cac-quy-dinh-ve-lai-suat-trong-cac-van-ban-phap-luat\/","title":{"rendered":"47. M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd gi\u1eefa l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt"},"content":{"rendered":"

M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd gi\u1eefa l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt<\/span><\/h4>\n
(TCNH) – Quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a NHNN kh\u00f4ng ch\u1ec9 \u00e1p d\u1ee5ng trong ng\u00e0nh Ng\u00e2n h\u00e0ng, m\u00e0 c\u00f2n li\u00ean quan \u0111\u1ebfn lu\u1eadt ph\u00e1p \u0111a ng\u00e0nh. Nh\u01b0ng do c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong nhi\u1ec1u v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt c\u00f2n thi\u1ebfu \u0111\u1ed3ng b\u1ed9, n\u00ean trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, vi\u1ec7c x\u00e1c \u0111\u1ecbnh m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 l\u00e0 kh\u00f4ng \u0111\u01a1n gi\u1ea3n, th\u1eadm ch\u00ed c\u00f2n kh\u00f4ng th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c, b\u1edfi kh\u00f4ng c\u00f3 \u0111\u1ee7 c\u0103n c\u1ee9 ph\u00e1p l\u00fd c\u0169ng nh\u01b0 th\u1ef1c t\u1ebf<\/strong>. <\/strong><\/h5>\n
\u00a0<\/strong>1- C\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn L\u00e3i su\u1ea5t cho vay trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1<\/strong><\/h5>\n

M\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c TCTD hi\u1ec7n nay \u0111\u01b0\u1ee3c NHNN quy \u0111\u1ecbnh t\u01b0\u01a1ng \u0111\u1ed1i r\u00f5 r\u00e0ng, t\u01b0\u01a1ng \u1ee9ng v\u1edbi hai lo\u1ea1i th\u1eddi h\u1ea1n cho vay ng\u1eafn h\u1ea1n v\u00e0 trung-d\u00e0i h\u1ea1n. Nh\u01b0ng, khi n\u00f3 \u0111\u01b0\u1ee3c l\u1ea5y l\u00e0m c\u0103n c\u1ee9 \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1eddi h\u1ea1n v\u00e0 l\u00e3i su\u1ea5t cho vay theo c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt kh\u00e1c, l\u1ea1i ph\u00e1t sinh kh\u00f4ng \u00edt v\u01b0\u1edbng m\u1eafc.<\/p>\n

Kho\u1ea3n 1, \u0110i\u1ec1u 473, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (n\u0103m 1995) quy \u0111\u1ecbnh: \u201cL\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn nh<\/em>\u01b0<\/em>ng kh\u00f4ng \u0111\u01b0\u1ee3c v<\/em>\u01b0<\/em>\u1ee3t qu\u00e1 50% c\u1ee7a l\u00e3i su\u1ea5t cao nh\u1ea5t cho NHNN quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t<\/em>\u01b0\u01a1<\/em>ng \u1ee9ng<\/em>\u201d.<\/p>\n

Theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 39\/1998\/Q\u0110-NHNN1 ng\u00e0y 17-1-1998 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam, th\u00ec hi\u1ec7n nay c\u00f3 hai m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t (tr\u1ea7n l\u00e3i su\u1ea5t): Cho vay ng\u1eafn h\u1ea1n l\u00e0 1,20%\/th\u00e1ng v\u00e0 cho vay trung-d\u00e0i h\u1ea1n l\u00e0 1,25%\/th\u00e1ng. Nh\u01b0ng theo \u0110i\u1ec1u 10, Quy ch\u1ebf cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh 324\/1998\/Q\u0110-NHNN1 ng\u00e0y 30-9-1998 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, th\u00ec cho vay ng\u1eafn h\u1ea1n v\u00e0 cho vay trung-d\u00e0i h\u1ea1n \u0111\u1ec1u c\u00f3 th\u1ec3 l\u00e0 12 th\u00e1ng. Kh\u00f4ng hi\u1ec3u v\u00ec l\u00fd do g\u00ec m\u00e0 th\u1eddi h\u1ea1n cho vay l\u1ea1i c\u00f3 s\u1ef1 thay \u0111\u1ed5i, d\u1eabn \u0111\u1ebfn m\u1ed9t th\u1eddi \u0111i\u1ec3m tr\u00f9ng l\u1eb7p khi ph\u1ea3i \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t theo \u0110i\u1ec1u 473 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

V\u00ed d\u1ee5, n\u1ebfu m\u1ed9t h\u1ee3p \u0111\u1ed3ng cho vay thu\u1ed9c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1<\/em> m\u00e0 c\u00f3 th\u1eddi h\u1ea1n \u0111\u00fang 12 th\u00e1ng, th\u00ec khi \u00e1p d\u1ee5ng \u0110i\u1ec1u 473 n\u00f3i tr\u00ean, l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 50% tr\u1ea7n l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n (1,2% x 150% = 1,8%\/th\u00e1ng) hay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 50% tr\u1ea7n l\u00e3i su\u1ea5t cho vay trung-d\u00e0i h\u1ea1n (1,25% x 150% = 1,875%\/th\u00e1ng)?<\/p>\n

T\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay, trong c\u00e1c Th\u1ec3 l\u1ec7 v\u00e0 v\u0103n b\u1ea3n li\u00ean quan \u0111\u1ebfn t\u00edn d\u1ee5ng c\u1ee7a NHNN \u0111\u1ec1u quy \u0111\u1ecbnh: Cho vay ng\u1eafn h\u1ea1n l\u00e0 lo\u1ea1i cho vay c\u00f3 th\u1eddi h\u1ea1n kh\u00f4ng qu\u00e1 12 th\u00e1ng. Nh\u01b0ng, \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u00e0nh, khi v\u1eadn d\u1ee5ng c\u00e1c v\u0103n b\u1ea3n c\u1ee7a NHNN, l\u1ea1i x\u00e1c \u0111\u1ecbnh v\u00e0 h\u01b0\u1edbng d\u1eabn kh\u00e1c v\u1ec1 th\u1eddi h\u1ea1n cho vay.<\/p>\n

T\u1ea1i \u0111i\u1ec3m b m\u1ee5c 1 ph\u1ea7n 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, Vi\u1ec7n Ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao, B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh, h\u01b0\u1edbng d\u1eabn vi\u1ec7c x\u00e9t x\u1eed v\u00e0 thi h\u00e0nh \u00e1n v\u1ec1 t\u00e0i s\u1ea3n, c\u00f3 n\u00eau m\u1ed9t v\u00ed d\u1ee5: Cho vay kh\u00f4ng c\u00f3 l\u00e3i 1 th\u00e1ng, t\u1eeb ng\u00e0y 20-2 \u0111\u1ebfn ng\u00e0y 20-3-1996. Sau khi ki\u1ec7n ra to\u00e0, vi\u1ec7c tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh t\u00ednh t\u1eeb ng\u00e0y 20-3 \u0111\u1ebfn ng\u00e0y x\u00e9t x\u1eed s\u01a1 th\u1ea9m 20-11-1996 l\u00e0 8 th\u00e1ng. Nh\u01b0ng Th\u00f4ng t\u01b0 l\u1ea1i h\u01b0\u1edbng d\u1eabn nh\u01b0 sau: \u201cM\u1ee9c l\u00e3i ph\u1ea3i tr\u1ea3 l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n c\u1ee7a lo\u1ea1i vay trung h\u1ea1n<\/strong> (v\u00ec th\u1eddi gian ph\u1ea3i tr\u1ea3 l\u00e3i qu\u00e1 6 th\u00e1ng) t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u00e9t x\u1eed s\u01a1 th\u1ea9m. Theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 266\/Q\u0110-NH1 ng\u00e0y 27-9-1996 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam th\u00ec m\u1ee9c l\u00e3i su\u1ea5t \u0111\u00f3 l\u00e0 2,025%\/th\u00e1ng (1,35% x 150% = 2,025%\/th\u00e1ng)<\/em>\u201d.<\/em><\/p>\n

R\u00f5 r\u00e0ng, trong v\u00ed d\u1ee5 tr\u00ean, c\u1ea3 th\u1eddi gian cho vay c\u0169ng nh\u01b0 th\u1eddi gian ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ec1u ch\u01b0a \u0111\u1ebfn 12 th\u00e1ng th\u00ec kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay trung h\u1ea1n, m\u00e0 ph\u1ea3i \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n. C\u1ee5 th\u1ec3, theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 266\/Q\u0110-NH1, l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n t\u1ed1i \u0111a l\u00e0 1,25%\/th\u00e1ng, t\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n t\u1ed1i \u0111a l\u00e0 1,875%\/th\u00e1ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 2,025%\/th\u00e1ng (\u0111\u01b0\u1ee3c t\u00ednh tr\u00ean l\u00e3i su\u1ea5t trung-d\u00e0i h\u1ea1n) theo nh\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee7a Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch. Khi x\u00e9t x\u1eed c\u00e1c v\u1ee5 \u00e1n cho vay, k\u1ec3 c\u1ea3 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, li\u1ec7u c\u00e1c To\u00e0 \u00e1n s\u1ebd c\u0103n c\u1ee9 v\u00e0o h\u01b0\u1edbng d\u1eabn \u0111\u00f3 \u0111\u1ec3 \u00e1p d\u1ee5ng c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t hay c\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh v\u1ec1 th\u1eddi h\u1ea1n cho vay c\u1ee7a NHNN?<\/p>\n

2- L\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng v\u00e0 L\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 <\/strong><\/p>\n

Theo Th\u00f4ng t\u01b0 li\u00ean B\u1ed9 s\u1ed1 02\/TTLB ng\u00e0y 3-10-1995 c\u1ee7a NHNN v\u00e0 B\u1ed9 Th\u01b0\u01a1ng m\u1ea1i, th\u00ec d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 l\u00e0 h\u00ecnh th\u1ee9c kinh doanh cho vay ti\u1ec1n<\/em>. H\u1ee3p \u0111\u1ed3ng c\u1ea7m \u0111\u1ed3 c\u00f3 th\u1ec3 l\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf theo quy \u0111\u1ecbnh c\u1ee7a Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf n\u0103m 1989 (n\u1ebfu b\u00ean c\u1ea7m \u0111\u1ed3 l\u00e0 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 \u0111\u0103ng k\u00fd kinh doanh) ho\u1eb7c thu\u1ed9c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n)(1)<\/sup><\/a>. B\u00ean nh\u1eadn c\u1ea7m \u0111\u1ed3 c\u00f3 th\u1ec3 l\u00e0 c\u00e1c TCTD ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c \u0111\u01b0\u1ee3c ph\u00e9p kinh doanh. Nh\u01b0ng, l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 l\u1ea1i kh\u00f4ng h\u1ec1 ph\u1ee5 thu\u1ed9c v\u00e0o tr\u1ea7n l\u00e3i su\u1ea5t cho vay t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng do NHNN quy \u0111\u1ecbnh.<\/p>\n

Theo Th\u00f4ng t\u01b0 li\u00ean B\u1ed9 02\/TTLB, th\u00ec l\u00e3i su\u1ea5t v\u00e0 ph\u00ed c\u1ea7m \u0111\u1ed3 t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 4,2%\/th\u00e1ng. Tr\u01b0\u1eddng h\u1ee3p b\u00ean c\u1ea7m \u0111\u1ed3 mu\u1ed1n vay n\u00f3ng ng\u1eafn h\u1ea1n (d\u01b0\u1edbi 15 ng\u00e0y) th\u00ec kh\u00f4ng qu\u00e1 0,3%\/ng\u00e0y (n\u1ebfu quy ra th\u00e1ng th\u00ec t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 9%\/th\u00e1ng). \u0110\u1ebfn nay, tr\u1ea7n l\u00e3i su\u1ea5t cho vay do NHNN quy \u0111\u1ecbnh<\/em> \u0111\u00e3 gi\u1ea3m xu\u1ed1ng r\u1ea5t nhi\u1ec1u so v\u1edbi th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m 1995, nh\u01b0ng tr\u1ea7n l\u00e3i su\u1ea5t d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 v\u1eabn kh\u00f4ng thay \u0111\u1ed5i. Trong khi \u0111\u00f3, nh\u01b0 tr\u00ean \u0111\u00e3\u00a0 vi\u1ec7n d\u1eabn \u1edf tr\u00ean, \u0110i\u1ec1u 473, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh: \u201cL\u00e3i su\u1ea5t do c\u00e1c b\u00ean th\u1ecfa 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 NHNN quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay tu\u01a1ng \u1ee9ng<\/em>\u201d. V\u1eady, theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, c\u00e1c b\u00ean c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t c\u1ea7m \u0111\u1ed3 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 50% c\u1ee7a m\u1ee9c l\u00e3i su\u1ea5t c\u1ea7m \u0111\u1ed3 (4,2%\/th\u00e1ng ho\u1eb7c 0,3%\/ng\u00e0y) hay l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 50% c\u1ee7a m\u1ee9c l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng (1,2% ho\u1eb7c 1,25%\/th\u00e1ng)? N\u1ebfu hi\u1ec3u l\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 50% c\u1ee7a l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng, th\u00ec t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y, c\u00e1c b\u00ean \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3 b\u1eb1ng 4,2% theo quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 li\u00ean B\u1ed9 02\/TTLB s\u1ebd l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 50% c\u1ee7a l\u00e3i su\u1ea5t cao nh\u1ea5t do NHNN quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng<\/em>. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u00e0 v\u0103n b\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd cao h\u01a1n h\u1eb3n Th\u00f4ng t\u01b0 li\u00ean B\u1ed9 n\u00f3i tr\u00ean. V\u1eady, ho\u1eb7c l\u00e0 c\u00e1c b\u00ean \u0111\u01b0\u1ee3c cho vay c\u1ea7m \u0111\u1ed3 cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t 4,2%\/th\u00e1ng ho\u1eb7c l\u00e0 b\u1ea3n th\u00e2n m\u1ee9c l\u00e3i su\u1ea5t 4,2% c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c xem l\u1ea1i v\u1ec1 t\u00ednh ph\u00e1p l\u00fd (v\u01b0\u1ee3t qu\u00e1 50% c\u1ee7a l\u00e3i su\u1ea5t cho vay cao nh\u1ea5t do NHNN quy \u0111\u1ecbnh hi\u1ec7n nay). \u0110\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y, c\u00f3 th\u1ec3 t\u00e1ch bi\u1ec7t t\u1ec9 l\u1ec7 4,2% n\u00f3i tr\u00ean ra l\u00e0m 2 ph\u1ea7n, m\u1ed9t ph\u1ea7n l\u00e0 l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 50% c\u1ee7a l\u00e3i su\u1ea5t cao nh\u1ea5t do NHNN quy \u0111\u1ecbnh <\/em>v\u00e0 m\u1ed9t ph\u1ea7n l\u00e0 ph\u00ed ki\u1ec3m \u0111\u1ecbnh, b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n.<\/p>\n

3- C\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m trong B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 <\/strong><\/h5>\n

Trong l\u0129nh v\u1ef1c kinh doanh ti\u1ec1n t\u1ec7, k\u1ec3 t\u1eeb ng\u00e0y 1-1-1996, vi\u1ec7c NHNN kh\u00f4ng c\u00f2n quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m l\u00e0 ho\u00e0n to\u00e0n \u0111\u00fang \u0111\u1eafn. Nh\u01b0ng hi\u1ec7n nay v\u1eabn c\u00f2n nhi\u1ec1u quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u0103n c\u1ee9 v\u00e0o l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m do NHNN quy \u0111\u1ecbnh: <\/em><\/p>\n

Kho\u1ea3n 1, \u0110i\u1ec1u 59, B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng (n\u0103m 1994) quy \u0111\u1ecbnh: \u201cNg\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u01b0\u1ee3c tr\u1ea3 l\u01b0\u01a1ng tr\u1ef1c ti\u1ebfp, \u0111\u1ea7y \u0111\u1ee7, \u0111\u00fang th\u1eddi h\u1ea1n v\u00e0 t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c. Trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t ph\u1ea3i tr\u1ea3 l\u01b0\u01a1ng ch\u1eadm, th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1eadm qu\u00e1 m\u1ed9t th\u00e1ng v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ph\u1ea3i \u0111\u1ec1n b\u00f9 cho ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u1ed9t kho\u1ea3n ti\u1ec1n \u00edt nh\u1ea5t b\u1eb1ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 l\u01b0\u01a1ng\u201d. \u0110i\u1ec1u 6, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 197\/CP ng\u00e0y <\/em>31-12-1994 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng v\u1ec1 ti\u1ec1n l\u01b0\u01a1ng \u0111\u00e3 x\u00e1c \u0111\u1ecbnh c\u1ee5 th\u1ec3, l\u00e3i su\u1ea5t tr\u00ean l\u00e0 lo\u1ea1i l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n.<\/em><\/p>\n

Kho\u1ea3n 4, \u0110i\u1ec1u 471, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh v\u1ec1 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean vay trong tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i nh\u01b0 sau: \u201cTrong tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 n\u1ee3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3, n\u1ebfu c\u00f3 tho\u1ea3 thu\u1eadn<\/em>.\u201d<\/p>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 473, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 l\u00e3i su\u1ea5t c\u0169ng quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 l\u00e3i trong vi\u1ec7c vay, nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t ho\u1eb7c c\u00f3 tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t, th\u00ec \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3<\/em>.\u201d.<\/em><\/p>\n

Nh\u01b0ng, li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m n\u00f3i ri\u00eang v\u00e0 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1ed1n n\u00f3i chung, NHNN ch\u1ec9 quy \u0111\u1ecbnh: T\u1ec9 l\u1ec7 ch\u00eanh l\u1ec7ch gi\u1eefa l\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n v\u00e0 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1ed1n b\u00ecnh qu\u00e2n l\u00e0 0,35%\/th\u00e1ng (c\u00f3 r\u1ea5t nhi\u1ec1u \u00fd ki\u1ebfn \u0111\u1ec1 ngh\u1ecb Qu\u1ed1c h\u1ed9i b\u1ecf quy \u0111\u1ecbnh kh\u00f4ng c\u1ea7n thi\u1ebft n\u00e0y v\u00e0 t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 39\/1998\/Q\u0110-NHNN1 ng\u00e0y 17-1-1998 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 kh\u00f4ng c\u00f2n nh\u1eafc l\u1ea1i n\u1ed9i dung \u0111\u00f3). T\u1eeb n\u0103m 1996 \u0111\u1ebfn nay, NHNN \u0111\u00e3 b\u00e3i b\u1ecf vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m v\u00e0 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m do m\u1ea5y ch\u1ee5c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ef1 quy \u0111\u1ecbnh v\u1edbi r\u1ea5t nhi\u1ec1u m\u1ee9c kh\u00e1c nhau. Cho n\u00ean, c\u1ea3 v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd c\u0169ng nh\u01b0 th\u1ef1c t\u1ebf, kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u00e2u l\u00e0 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m do NHNN c\u00f4ng b\u1ed1<\/strong> (hay quy \u0111\u1ecbnh)<\/em>. Nh\u01b0 v\u1eady, v\u00f4 h\u00ecnh trung, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t n\u00f3i tr\u00ean c\u1ee7a B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u00e3 b\u1ecb v\u00f4 hi\u1ec7u ho\u00e1. \u0110\u1ec3 nh\u1eefng v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng v\u00e0 ph\u00e1t sinh r\u1ea5t ph\u1ed5 bi\u1ebfn nh\u01b0 tr\u00ean kh\u00f4ng b\u1ecb r\u01a1i v\u00e0o b\u1ebf t\u1eafc, ho\u1eb7c l\u00e0 NHNN c\u1ea7n quay tr\u1edf l\u1ea1i vi\u1ec7c \u1ea5n \u0111\u1ecbnh c\u1ee5 th\u1ec3 t\u1eebng m\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m ho\u1eb7c l\u00e0 ph\u1ea3i nhanh ch\u00f3ng thay \u0111\u1ed5i c\u00e1c quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt l\u1ec7 li\u00ean quan.<\/p>\n

Vi\u1ec7c \u0111\u00e1ng n\u00f3i l\u00e0, \u0111i\u1ec1u b\u1ea5t c\u1eadp \u0111\u00f3 \u0111\u00e3 t\u1ed3n t\u1ea1i m\u1ea5y n\u0103m qua, trong khi c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn l\u1ea1i kh\u00f4ng quan t\u00e2m gi\u1ea3i quy\u1ebft. T\u1ea1i \u0111i\u1ec3m d m\u1ee5c 4 ph\u1ea7n I c\u1ee7a Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 01\/TTLT n\u00f3i tr\u00ean v\u1eabn ti\u1ebfp t\u1ee5c h\u01b0\u1edbng d\u1eabn: \u201cTrong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 l\u00e3i trong vi\u1ec7c vay nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t ho\u1eb7c c\u00f3 tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t, th\u00ec \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n<\/strong> do NHNN quy \u0111\u1ecbnh<\/strong> t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u00e9t x\u1eed s\u01a1 th\u1ea9m theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0111i\u1ec1u 473 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1<\/em>\u201d. H\u01b0\u1edbng d\u1eabn n\u00e0y ch\u1ec9 thay \u0111\u1ed5i \u0111o\u1ea1n \u201cth\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3<\/em>\u201d trong \u0110i\u1ec1u 473 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 th\u00e0nh \u201cth\u1eddi \u0111i\u1ec3m x\u00e9t x\u1eed s\u01a1 th\u1ea9m<\/em>\u201d. Nh\u01b0 v\u1eady, Th\u00f4ng t\u01b0 \u0111\u00e3 ph\u1ea7n n\u00e0o \u201cs\u1eeda \u0111\u1ed5i<\/em>\u201d quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt, v\u00ec hai th\u1eddi \u0111i\u1ec3m n\u00e0y th\u01b0\u1eddng l\u00e0 kh\u00e1c nhau. C\u00f3 l\u1ebd, l\u00fd do \u0111\u01a1n gi\u1ea3n d\u1eabn \u0111\u1ebfn vi\u1ec7c thay \u0111\u1ed5i th\u1eddi \u0111i\u1ec3m l\u00e0 do, khi x\u00e9t x\u1eed, to\u00e0 \u00e1n ch\u1ec9 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1eddi \u0111i\u1ec3m x\u00e9t x\u1eed s\u01a1 th\u1ea9m<\/em>, ch\u1ee9 kh\u00f3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3<\/em>. Tuy nhi\u00ean, d\u00f9 c\u00f3 thay \u0111\u1ed5i th\u1eddi \u0111i\u1ec3m t\u00ednh l\u00e3i su\u1ea5t, th\u00ec c\u0169ng v\u1eabn kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u00e2u l\u00e0 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n do NHNN quy \u0111\u1ecbnh<\/em>. C\u00f2n v\u1ec1 l\u00fd thuy\u1ebft, th\u00ec l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n<\/em> trong giai \u0111o\u1ea1n n\u00e0y c\u00f3 th\u1ec3 n\u1eb1m trong kho\u1ea3ng t\u1eeb\u00a0 l\u1edbn h\u01a1n 0% cho \u0111\u1ebfn nh\u1ecf h\u01a1n, b\u1eb1ng ho\u1eb7c th\u1eadm ch\u00ed cao h\u01a1n tr\u1ea7n l\u00e3i su\u1ea5t cho vay (tr\u01b0\u1eddng h\u1ee3p c\u00e1c TCTD c\u1ea7n huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho thanh to\u00e1n ho\u1eb7c l\u00e0m c\u00e1c d\u1ecbch v\u1ee5 c\u00f3 l\u1ee3i kh\u00e1c).<\/p>\n

4- C\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn L\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n<\/strong><\/h5>\n

Hi\u1ec7n nay c\u00f2n nhi\u1ec1u quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u0103n c\u1ee9 v\u00e0o l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n (l\u00e3i su\u1ea5t ph\u1ea1t) do NHNN quy \u0111\u1ecbnh:<\/em><\/p>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 313, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh v\u1ec1 tr\u00e1ch nhi\u1ec7m do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 nh\u01b0 sau: \u201cTrong 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<\/p>\n

Kho\u1ea3n 5, \u0110i\u1ec1u 471, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh v\u1ec1 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay trong tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 l\u00e3i nh\u01b0 sau: \u201c4- Trong tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 n\u1ee3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3, n\u1ebfu c\u00f3 tho\u1ea3 thu\u1eadn<\/em>.\u201d.<\/p>\n

\u0110i\u1ec1u 233, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i (n\u0103m 1997) c\u0169ng quy \u0111\u1ecbnh: \u201cN\u1ebfu b\u00ean vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng ch\u1eadm thanh to\u00e1n ti\u1ec1n h\u00e0ng hay ch\u1eadm thanh to\u00e1n ph\u00ed d\u1ecbch v\u1ee5, c\u00e1c chi ph\u00ed kh\u00e1c th\u00ec b\u00ean kia c\u00f3 quy\u1ec1n \u0111\u00f2i ti\u1ec1n l\u00e3i tr\u00ean s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 \u0111\u00f3 theo l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n do NHNN Vi\u1ec7t Nam<\/strong> quy \u0111\u1ecbnh t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, 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 kh\u00e1c<\/em>\u201d.<\/p>\n

\u0110i\u1ec3m e kho\u1ea3n 2 \u0110i\u1ec1u 13, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BT ng\u00e0y 16-1-1990 c\u1ee7a H\u1ed9i \u0111\u1ed3ng B\u1ed9 tr\u01b0\u1edfng, quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf c\u0169ng ghi: \u201cPh\u1ea1t vi ph\u1ea1m ngh\u0129a v\u1ee5 thanh to\u00e1n \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng qu\u00e1 h\u1ea1n c\u1ee7a NHNN Vi\u1ec7t Nam<\/strong><\/em>\u201d.<\/p>\n

Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 01\/TTLT ng\u00e0y 19-6-1997 n\u00f3i tr\u00ean c\u0169ng h\u01b0\u1edbng d\u1eabn t\u01b0\u01a1ng t\u1ef1 v\u1ec1 l\u00e3i su\u1ea5t trong qu\u00e1 tr\u00ecnh thi h\u00e0nh \u00e1n: \u201cCho \u0111\u1ebfn khi thi h\u00e0nh \u00e1n xong t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n ti\u1ec1n, h\u00e0ng th\u00e1ng b\u00ean ph\u1ea3i thi h\u00e0nh \u00e1n c\u00f2n ph\u1ea3i ch\u1ecbu kho\u1ea3n ti\u1ec1n l\u00e3i c\u1ee7a s\u1ed1 ti\u1ec1n c\u00f2n ph\u1ea3i thi h\u00e0nh \u00e1n theo m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3<\/strong> qu\u00e1 h\u1ea1n do NHNN quy \u0111\u1ecbnh<\/strong> t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u01b0a thi h\u00e0nh \u00e1n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 313 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1<\/em>\u201d.<\/p>\n

Nh\u1eefng quy \u0111\u1ecbnh tr\u00ean ho\u00e0n to\u00e0n d\u1ef1a tr\u00ean c\u01a1 s\u1edf th\u1ef1c t\u1ebf l\u00e2u nay l\u00e0 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n do NHNN quy \u0111\u1ecbnh<\/em> theo m\u1ed9t t\u1ec9 l\u1ec7 c\u1ed1 \u0111\u1ecbnh (b\u1eb1ng 150% l\u00e3i su\u1ea5t trong h\u1ea1n). \u0110\u00e3 c\u00f3 nhi\u1ec1u \u00fd ki\u1ebfn \u0111\u1ec1 ngh\u1ecb, thay v\u00ec \u1ea5n \u0111\u1ecbnh c\u1ee5 th\u1ec3 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng 150% m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay<\/em> nh\u01b0 hi\u1ec7n nay, NHNN ch\u1ec9 n\u00ean quy \u0111\u1ecbnh l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n t\u1ed1i \u0111a<\/strong> b\u1eb1ng 150%<\/strong> m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay<\/em> c\u00f9ng lo\u1ea1i. S\u1ef1 thay \u0111\u1ed5i \u0111\u00f3 l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi nguy\u00ean t\u1eafc t\u1ef1 do, b\u00ecnh \u0111\u1eb3ng trong quan h\u1ec7 kinh doanh c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Nh\u01b0ng, n\u1ebfu NHNN thay \u0111\u1ed5i quy \u0111\u1ecbnh hi\u1ec7n nay b\u1eb1ng quy \u0111\u1ecbnh l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n t\u1ed1i \u0111a<\/strong> b\u1eb1ng 150%<\/strong> (ho\u1eb7c kh\u00f4ng qu\u00e1 150%),<\/em> th\u00ec nh\u1eefng kh\u00e1i ni\u1ec7m theo l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n<\/em> do NHNN quy \u0111\u1ecbnh<\/em> \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c \u0111i\u1ec1u lu\u1eadt v\u00e0 v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn n\u00f3i tr\u00ean s\u1ebd kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c, v\u00ec khi \u0111\u00f3 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n c\u00f3 th\u1ec3 dao \u0111\u1ed9ng trong kho\u1ea3ng r\u1ea5t r\u1ed9ng t\u1eeb ><\/u> 100% cho \u0111\u1ebfn <<\/u> 150%. Nh\u01b0 v\u1eady, ho\u1eb7c l\u00e0 NHNN ph\u1ea3i gi\u1eef nguy\u00ean quy \u0111\u1ecbnh m\u1ed9t m\u1ee9c c\u1ed1 \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n nh\u01b0 hi\u1ec7n nay ho\u1eb7c c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt li\u00ean quan n\u00f3i tr\u00ean ph\u1ea3i b\u1ed5 sung th\u00eam m\u1ed9t ch\u1eef \u201ct\u1ed1i \u0111a\u201d \u0111\u1ec3 tr\u1edf th\u00e0nh quy \u0111\u1ecbnh theo<\/em> l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n t\u1ed1i \u0111a<\/strong> do NHNN quy \u0111\u1ecbnh<\/em>.<\/p>\n

5- L\u00e3i su\u1ea5t cho vay v\u00e0 quy \u0111\u1ecbnh v\u1ec1 T\u1ed9i cho vay l\u00e3i n\u1eb7ng <\/strong><\/h5>\n

Kho\u1ea3n 1 \u0110i\u1ec1u 171, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 (n\u0103m 1985) quy \u0111\u1ecbnh v\u1ec1 t\u1ed9i cho vay l\u00e3i n\u1eb7ng nh\u01b0 sau: \u201cNg\u01b0\u1eddi n\u00e0o cho vay l\u00e3i n\u1eb7ng c\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t th\u00ec b\u1ecb ph\u1ea1t c\u1ea3nh c\u00e1o, c\u1ea3i t\u1ea1o kh\u00f4ng giam gi\u1eef \u0111\u1ebfn m\u1ed9t n\u0103m ho\u1eb7c b\u1ecb ph\u1ea1t t\u00f9 t\u1eeb ba th\u00e1ng \u0111\u1ebfn hai n\u0103m<\/em>\u201d.<\/p>\n

V\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0, m\u1ee9c l\u00e3i su\u1ea5t bao nhi\u00eau th\u00ec b\u1ecb coi l\u00e0 \u201cl\u00e3i n\u1eb7ng\u201d, trong khi l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng nh\u1eefng n\u0103m qua bi\u1ebfn \u0111\u1ed9ng r\u1ea5t l\u1edbn. N\u0103m 1987 l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00ean t\u1edbi 9,9%\/th\u00e1ng v\u00e0 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n l\u00ean t\u1edbi 21%\/th\u00e1ng(2)<\/sup><\/a>. N\u0103m 1989 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 t\u1eebng l\u00ean t\u1edbi 12%\/th\u00e1ng(3)<\/sup><\/a>. T\u1ea1i H\u1ed9i ngh\u1ecb t\u1ed5ng k\u1ebft c\u00f4ng t\u00e1c ng\u00e0nh To\u00e0 \u00e1n n\u0103m 1995, To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao \u0111\u00e3 t\u1ea1m th\u1eddi h\u01b0\u1edbng d\u1eabn: N\u1ebfu m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1eeb 12%\/th\u00e1ng tr\u1edf l\u00ean th\u00ec c\u00f3 th\u1ec3 coi l\u00e0 ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng. M\u1ee9c l\u00e3i su\u1ea5t n\u00e0y so v\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t cho vay do NHNN quy \u0111\u1ecbnh<\/em>, v\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3 (\u0111\u1ea7u n\u0103m 1996), th\u00ec g\u1ea5p kho\u1ea3ng 5 l\u1ea7n(4)<\/sup><\/a>, v\u00e0o th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay (1998) th\u00ec g\u1ea5p kho\u1ea3ng 10 l\u1ea7n. Nh\u01b0 v\u1eady, m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh c\u00f3 hay kh\u00f4ng c\u00f3 m\u1ed9t t\u1ed9i ph\u1ea1m kinh t\u1ebf xem ra thi\u1ebfu c\u01a1 s\u1edf khoa h\u1ecdc v\u00e0 kh\u00f4ng nh\u1ea5t qu\u00e1n.<\/p>\n

6- K\u1ebft lu\u1eadn v\u00e0 ki\u1ebfn ngh\u1ecb<\/strong><\/h5>\n

6.1. V\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a NHNN:<\/em><\/strong><\/p>\n

\u0110i\u1ec1u 43 Ph\u00e1p l\u1ec7nh NHNN Vi\u1ec7t Nam tr\u01b0\u1edbc \u0111\u00e2y quy \u0111\u1ecbnh: \u201cNHNN c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t t\u00e1i chi\u1ebft kh\u1ea5u, l\u00e3i su\u1ea5t t\u1ed1i thi\u1ec3u v\u1ec1 ti\u1ec1n g\u1eedi, t\u1ed1i \u0111a v\u1ec1 cho vay c\u1ee7a c\u00e1c TCTD<\/em>\u201d. C\u00f2n \u0110i\u1ec1u 18, Lu\u1eadt NHNN Vi\u1ec7t Nam hi\u1ec7n nay quy \u0111\u1ecbnh: \u201cNHNN x\u00e1c \u0111\u1ecbnh v\u00e0 c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 l\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n<\/em>\u201d. V\u00e0 kho\u1ea3n 12 \u0110i\u1ec1u 9 c\u1ee7a Lu\u1eadt \u0111\u00e3 \u0111\u1ecbnh ngh\u0129a: \u201cL\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 l\u00e3i su\u1ea5t do NHNN c\u00f4ng b\u1ed1 l\u00e0m c\u01a1 s\u1edf cho c\u00e1c TCTD \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t kinh doanh<\/em>\u201d. Nh\u01b0 v\u1eady, v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, theo Ph\u00e1p l\u1ec7nh c\u0169 hay theo Lu\u1eadt hi\u1ec7n h\u00e0nh, NHNN kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m tr\u1ef1c ti\u1ebfp trong vi\u1ec7c x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ec3 \u00e1p d\u1ee5ng trong c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c.<\/p>\n

Nh\u01b0ng, qua m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p ph\u00e2n t\u00edch \u1edf c\u00e1c ph\u1ea7n tr\u00ean \u0111\u00e3 cho th\u1ea5y, ngo\u00e0i v\u1ea5n \u0111\u1ec1 huy \u0111\u1ed9ng v\u1ed1n, cho vay v\u00e0 d\u1ecbch v\u1ee5 trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng, l\u00e3i su\u1ea5t do NHNN quy \u0111\u1ecbnh<\/em> \u0111\u01b0\u01a1ng nhi\u00ean c\u00f2n \u0111ang n\u1eb1m trong c\u00e1c m\u1ed1i quan h\u1ec7 kh\u00e1 ph\u1ee9c t\u1ea1p c\u1ee7a lu\u1eadt ph\u00e1p \u0111a ng\u00e0nh. Hay n\u00f3i c\u00e1ch kh\u00e1c, quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a NHNN \u0111ang v\u00e0 s\u1ebd c\u00f2n li\u00ean quan ch\u1eb7t ch\u1ebd \u0111\u1ebfn nhi\u1ec1u quy ph\u1ea1m ph\u00e1p lu\u1eadt thu\u1ed9c c\u00e1c l\u0129nh v\u1ef1c kinh t\u1ebf-x\u00e3 h\u1ed9i kh\u00e1c nhau. C\u1ee5 th\u1ec3, l\u00e3i su\u1ea5t do NHNN quy \u0111\u1ecbnh<\/em> \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh c\u00e1c l\u00e3i su\u1ea5t d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n

– L\u00e3i su\u1ea5t cho vay (ngo\u00e0i cho vay c\u1ee7a c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng) trong c\u00e1c h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1;<\/p>\n

– L\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3;<\/p>\n

– L\u00e3i su\u1ea5t ch\u1eadm thanh to\u00e1n (l\u00e3i su\u1ea5t ph\u1ea1t) trong c\u00e1c h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 v\u00e0 h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng;<\/p>\n

– L\u00e3i su\u1ea5t ch\u1eadm thanh to\u00e1n trong thi h\u00e0nh \u00e1n v\u1ec1 t\u00e0i s\u1ea3n, bao g\u1ed3m \u00e1n kinh t\u1ebf, \u00e1n d\u00e2n s\u1ef1, \u00e1n lao \u0111\u1ed9ng, \u00e1n h\u00e0nh ch\u00ednh v\u00e0 ph\u1ea7n t\u00e0i s\u1ea3n trong c\u00e1c v\u1ee5 \u00e1n h\u00ecnh s\u1ef1;<\/p>\n

– L\u00e3i su\u1ea5t l\u00e0m c\u0103n c\u1ee9 truy t\u1ed1, x\u00e9t x\u1eed m\u1ed9t lo\u1ea1i t\u1ed9i ph\u1ea1m v\u1ec1 kinh t\u1ebf (t\u1ed9i cho vay l\u00e3i n\u1eb7ng).<\/p>\n

6.2. Y\u00eau c\u1ea7u ho\u00e0n thi\u1ec7n c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i su\u1ea5t:<\/em><\/strong><\/p>\n

N\u1ebfu gi\u1eef nguy\u00ean c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a ph\u00e1p lu\u1eadt li\u00ean quan nh\u01b0 tr\u00ecnh b\u00e0y \u1edf c\u00e1c ph\u1ea7n tr\u00ean, th\u00ec NHNN s\u1ebd ph\u1ea3i ti\u1ebfp t\u1ee5c quy \u0111\u1ecbnh v\u00e0 quy \u0111\u1ecbnh th\u00eam c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t sau:<\/p>\n

– M\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n v\u00e0 trung-d\u00e0i h\u1ea1n;<\/p>\n

– M\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay c\u1ea7m \u0111\u1ed3;<\/p>\n

– M\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m lo\u1ea1i kh\u00f4ng k\u1ef3 h\u1ea1n, lo\u1ea1i c\u00f3 k\u1ef3 h\u1ea1n ng\u1eafn h\u1ea1n v\u00e0 lo\u1ea1i trung-d\u00e0i h\u1ea1n;<\/p>\n

– M\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n c\u1ee5 th\u1ec3 (c\u1ed1 \u0111\u1ecbnh);<\/p>\n

– V\u00e0 c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 trong m\u1ecdt s\u1ed1 tr\u01b0\u1eddng h\u1ee3p ri\u00eang bi\u1ec7t kh\u00e1c.<\/p>\n

\u0110i\u1ec1u n\u00e0y s\u1ebd kh\u00f4ng \u0111\u00fang v\u1edbi tinh th\u1ea7n c\u1ee7a Lu\u1eadt NHNN Vi\u1ec7t Nam, kh\u00f4ng h\u1ee3p l\u00fd trong giai \u0111o\u1ea1n tr\u01b0\u1edbc m\u1eaft c\u0169ng nh\u01b0 l\u00e2u d\u00e0i. \u0110\u00e3 \u0111\u1ebfn l\u00fac NHNN c\u1ea7n b\u1ecf vi\u1ec7c quy \u0111\u1ecbnh c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t nh\u01b0 hi\u1ec7n nay, m\u00e0 ch\u1ec9 c\u1ea7n quy \u0111\u1ecbnh l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n<\/em> \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t li\u00ean quan. T\u1ea5t nhi\u00ean, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt thu\u1ed9c c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo h\u01b0\u1edbng t\u00ednh theo c\u00e1c t\u1ec9 l\u1ec7 \u1ed5n \u0111\u1ecbnh n\u00e0o \u0111\u00f3 d\u1ef1a tr\u00ean c\u01a1 s\u1edf l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n.<\/p>\n

V\u1ea5n \u0111\u1ec1 l\u00e0 c\u1ea7n ph\u1ea3i c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c c\u01a1 quan h\u1eefu quan \u0111\u1ec3 x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c c\u00e1c quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i su\u1ea5t m\u1ed9t c\u00e1ch \u0111\u1ed3ng b\u1ed9, th\u1ed1ng nh\u1ea5t, tr\u00e1nh t\u00ecnh tr\u1ea1ng m\u00e2u thu\u1eabn, s\u01a1 h\u1edf nh\u01b0 hi\u1ec7n nay. Tr\u01b0\u1edbc m\u1eaft, c\u00e1c c\u01a1 quan c\u00f3 tr\u00e1ch nhi\u1ec7m c\u1ea7n nhanh ch\u00f3ng h\u01b0\u1edbng d\u1eabn c\u00e1c v\u01b0\u1edbng m\u1eafc tr\u00ean \u0111\u1ec3 c\u00f3 th\u1ec3 hi\u1ec3u, th\u1ef1c hi\u1ec7n v\u00e0 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c v\u00e0 \u0111\u00fang ph\u00e1p lu\u1eadt.<\/p>\n

 <\/p>\n

(1)<\/a> Theo Th\u00f4ng t\u01b0 li\u00ean ng\u00e0nh s\u1ed1 04\/TTLN, ng\u00e0y 26-8-1996 c\u1ee7a TANDTC v\u00e0 VKSNDTC th\u00ec c\u00e1 nh\u00e2n c\u00f3 \u0111\u0103ng k\u00fd kinh doanh bao g\u1ed3m doanh nghi\u1ec7p t\u01b0 nh\u00e2n v\u00e0 m\u1ecdi c\u00e1 nh\u00e2n kh\u00e1c c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh.<\/p>\n

V\u1eeba qua c\u00f3 nhi\u1ec1u b\u00e0i vi\u1ebft trong \u0111\u00f3 gi\u1ea3i th\u00edch ch\u01b0a \u0111\u00fang v\u1ec1 ch\u1ee7 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf l\u00e0 c\u00e1 nh\u00e2n c\u00f3 \u0111\u0103ng k\u00fd kinh doanh:<\/p>\n

– T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 14 th\u00e1ng 7-1998, b\u00e0i \u201cH\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng: kinh t\u1ebf hay d\u00e2n s\u1ef1?\u201d;<\/p>\n

– T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 19 th\u00e1ng 9-1998, b\u00e0i V\u1ec1 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng\u201d;<\/p>\n

– Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng s\u1ed1 55, ng\u00e0y 8-12-1988, b\u00e0i \u201cH\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf hay d\u00e2n s\u1ef1?\u201d;<\/p>\n

– B\u00e1o \u0110\u1ea7u t\u01b0 s\u1ed1 8 (411) ng\u00e0y 25-1-99) v\u1edbi b\u00e0i \u201c\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi cho vay\u201d.<\/p>\n

(2)<\/a> Quy\u1ebft \u0111\u1ecbnh s\u1ed1 68\/NH-Q\u0110 ng\u00e0y 2-7-1987 c\u1ee7a T\u1ed5ng Gi\u00e1m \u0111\u1ed1c NHNN.<\/p>\n

(3)<\/a> Quy\u1ebft \u0111\u1ecbnh s\u1ed1 29\/NH-Q\u0110 ng\u00e0y 16-3-1989 c\u1ee7a T\u1ed5ng Gi\u00e1m \u0111\u1ed1c NHNN.<\/p>\n

(4)<\/a> Theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 381\/Q\u0110-NH1 ng\u00e0y 28-12-1995 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN th\u00ec tr\u1ea7n l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi HTX t\u00edn d\u1ee5ng v\u00e0 Qu\u1ef9 t\u00edn d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng t\u1ea1i \u0111\u1ecba b\u00e0n n\u00f4ng th\u00f4n l\u00e0 2,5%\/th\u00e1ng.<\/p>\n

 <\/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

______<\/p>\n

 <\/p>\n

B\u00e0i vi\u1ebft \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 Chuy\u00ean \u0111\u1ec1 7-1999<\/em><\/strong>","protected":false},"excerpt":{"rendered":"

M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd gi\u1eefa l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt (TCNH) – Quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a NHNN kh\u00f4ng ch\u1ec9 \u00e1p d\u1ee5ng trong ng\u00e0nh Ng\u00e2n h\u00e0ng, m\u00e0 c\u00f2n li\u00ean quan \u0111\u1ebfn lu\u1eadt ph\u00e1p \u0111a ng\u00e0nh. Nh\u01b0ng do c\u00e1c quy \u0111\u1ecbnh […]<\/p>\n","protected":false},"author":7,"featured_media":4792,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,48,49,36],"class_list":["post-4784","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-hanh-chinh","tag-luat-su-hinh-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n47. 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