{"id":4886,"date":"2014-03-21T23:01:05","date_gmt":"2014-03-21T16:01:05","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4886"},"modified":"2024-11-04T15:35:30","modified_gmt":"2024-11-04T08:35:30","slug":"167-giai-ngan-goi-30-000-ty-dong-giam-lai-khong-phai-la-tat-ca","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/167-giai-ngan-goi-30-000-ty-dong-giam-lai-khong-phai-la-tat-ca\/","title":{"rendered":"167. Gi\u1ea3i ng\u00e2n G\u00f3i 30.000 t\u1ef7 \u0111\u1ed3ng: Gi\u1ea3m l\u00e3i kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ea5t c\u1ea3."},"content":{"rendered":"

Gi\u1ea3i ng\u00e2n G\u00f3i 30.000 t\u1ef7 \u0111\u1ed3ng: Gi\u1ea3m l\u00e3i kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ea5t c\u1ea3.<\/span><\/h4>\n
(TBNH) – Theo Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, n\u1ebfu mu\u1ed1n ti\u1ebfp t\u1ee5c tri\u1ec3n khai g\u00f3i t\u00edn d\u1ee5ng 30.000 t\u1ef7 \u0111\u1ed3ng th\u00ec c\u1ea7n ph\u1ea3i cho vay theo c\u00e1ch th\u1ee9c c\u1ee7a t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch, thay cho t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i, t\u1ee9c l\u00e0 Nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh thay v\u00ec th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh.<\/strong><\/h5>\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><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/em> tr\u1ea3 l\u1eddi ph\u1ecfng v\u1ea5n ph\u00f3ng vi\u00ean TBNH.<\/p>\n

Vi\u1ec7c gi\u1ea3i ng\u00e2n g\u00f3i t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf 30.000 t\u1ef7 \u0111\u1ed3ng ch\u1eadm l\u00e0 do \u0111\u00e2u, th\u01b0a \u00f4ng?<\/em><\/h5>\n

D\u01b0 n\u1ee3 qu\u00e1 th\u1ea5p th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 v\u00ec c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng gi\u1ea3i ng\u00e2n. Tuy nhi\u00ean c\u1ea7n ph\u1ea3i l\u00fd gi\u1ea3i \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 l\u00e0, ng\u00e2n h\u00e0ng ch\u1ee7 y\u1ebfu s\u1ed1ng d\u1ef1a v\u00e0o cho vay v\u1ed1n m\u00e0 t\u1ea1i sao h\u1ecd l\u1ea1i \u201cl\u1ea1nh nh\u1ea1t\u201d v\u1edbi vi\u1ec7c gi\u1ea3i ng\u00e2n? C\u00e0ng k\u1ef3 l\u1ea1 h\u01a1n, khi m\u00e0 ngu\u1ed3n v\u1ed1n th\u00ec s\u1eb5n c\u00f3, kh\u00e1ch h\u00e0ng d\u1ed3i d\u00e0o, NHTM ch\u1ec9 vi\u1ec7c \u201c\u00e1p v\u00e0o\u201d \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u00e0 h\u01b0\u1edfng l\u00e3i c\u1ed1 \u0111\u1ecbnh\u2026 Th\u1ebf nh\u01b0ng, th\u1ef1c t\u1ebf d\u00f9 r\u1ea5t mu\u1ed1n, c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn kh\u00f3 cho vay, th\u1eadm ch\u00ed kh\u00f4ng th\u1ec3 cho vay. C\u0169ng gi\u1ed1ng nh\u01b0 ng\u01b0\u1eddi vay, d\u00f9 c\u0169ng mong mu\u1ed1n nh\u01b0ng l\u1ea1i kh\u00f4ng th\u1ec3. T\u00f4i cho r\u1eb1ng, nh\u1eefng kh\u00f3 kh\u0103n v\u01b0\u1edbng m\u1eafc \u0111\u1ec1u xu\u1ea5t ph\u00e1t t\u1eeb ch\u00ednh s\u00e1ch v\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 t\u1eeb \u0111\u00f3.<\/p>\n

Tr\u01b0\u1edbc h\u1ebft, ch\u00fang ta x\u00e1c \u0111\u1ecbnh kh\u00f4ng r\u00f5 m\u1ee5c ti\u00eau ch\u00ednh c\u1ee7a g\u00f3i \u201c30 ngh\u00ecn t\u1ef7\u201d l\u00e0 gi\u1ea3i c\u1ee9u, h\u1ed7 tr\u1ee3 r\u00e3 b\u0103ng th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, hay nh\u1eb1m gi\u00fap \u0111\u1ee1, h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p mua nh\u00e0 \u1edf. Ti\u1ebfp \u0111\u00f3, c\u00f3 l\u1ebd l\u00e0 sai l\u1ea7m l\u1edbn n\u1ebfu x\u00e1c \u0111\u1ecbnh c\u1ea3 hai m\u1ee5c ti\u00eau k\u1ec3 tr\u00ean. C\u1ee5 th\u1ec3, n\u1ebfu m\u1ee5c ti\u00eau ch\u00ednh l\u00e0 c\u1ee9u b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec l\u1ea1i kh\u00f4ng t\u1eadp trung v\u00e0o vi\u1ec7c r\u00e3 b\u0103ng ph\u00e2n kh\u00fac \u0111ang \u1ebf th\u1eeba l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n trung, cao c\u1ea5p m\u00e0 l\u1ea1i \u0111i gi\u1ea3i c\u1ee9u ph\u00e2n kh\u00fac kh\u00f4ng th\u1eeba h\u00e0ng l\u00e0 nh\u00e0 \u1edf gi\u00e1 r\u1ebb. Kh\u00f4ng nh\u1eefng th\u1ebf, ti\u1ebfp t\u1ee5c y\u00eau c\u1ea7u gi\u1ea3i ng\u00e2n cho c\u00e1c DN \u0111\u1ec3 x\u00e2y d\u1ef1ng th\u00eam nh\u00e0 \u1edf, \u0111\u1ea9y c\u0103ng th\u00eam t\u00ecnh tr\u1ea1ng \u201cb\u1ed9i th\u1ef1c\u201d ph\u00e2n kh\u00fac B\u0110S \u0111ang thi\u1ebfu l\u1ef1c mua.<\/p>\n

N\u1ebfu m\u1ee5c ti\u00eau ch\u00ednh l\u00e0 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p mua nh\u00e0 \u1edf th\u00ec c\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng c\u1ee5m t\u1eeb \u201ccho vay h\u1ed7 tr\u1ee3 \u0111\u1ec3 mua nh\u00e0 \u1edf\u201d ch\u1ee9 kh\u00f4ng th\u1ec3 b\u1ecf qua y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t l\u00e0 ng\u01b0\u1eddi mua, \u0111\u1ec3 r\u1ed3i ch\u1ec9 c\u00f2n l\u00e0 g\u00f3i \u201ccho vay h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf\u201d, t\u1ee9c l\u00e0 v\u00ec m\u1ee5c ti\u00eau gi\u1ea3i c\u1ee9u B\u0110S.<\/p>\n

Tuy nhi\u00ean, \u0111i\u1ec1u c\u1ed1t l\u00f5i l\u00e0 thi\u1ebft k\u1ebf ch\u00ednh s\u00e1ch \u0111\u00e3 c\u00f3 s\u1ef1 nh\u1ea7m l\u1eabn, v\u00ec g\u1ea7n nh\u01b0 kh\u00f4ng t\u1ea1o c\u01a1 h\u1ed9i th\u1eadt s\u1ef1 cho ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p, g\u1ecdi th\u1eb3ng ra l\u00e0 ng\u01b0\u1eddi ngh\u00e8o mua nh\u00e0 \u1edf. V\u00ec ng\u01b0\u1eddi ngh\u00e8o th\u00ec l\u1ea5y \u0111\u00e2u ra 5-7 tr\u0103m tri\u1ec7u \u0111\u1ed3ng, th\u1eadm ch\u00ed l\u00e0 ti\u1ec1n t\u1ef7 \u0111\u1ec3 mua nh\u00e0. Ng\u01b0\u1eddi ngh\u00e8o th\u00ec l\u1ea5y \u0111\u00e2u ra m\u1ed7i th\u00e1ng 5, 7 tri\u1ec7u \u0111\u1ed3ng, th\u1eadm ch\u00ed l\u00e0 c\u1ea3 ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 tr\u1ea3 n\u1ee3 g\u1ed1c. Ng\u01b0\u1eddi ngh\u00e8o th\u00ec tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc m\u1eaft \u0111\u00e3 kh\u00f3, l\u00e0m sao ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 vay trung v\u00e0 d\u00e0i h\u1ea1n. Do v\u1eady, ti\u1ec1n l\u00e3i vay d\u00f9 c\u00f3 th\u1ea5p th\u00ec c\u0169ng ch\u1ec9 nh\u1eb9 g\u00e1nh tr\u1ea3 n\u1ee3 h\u01a1n m\u1ed9t ch\u00fat, ch\u1ee9 kh\u00f4ng bao qu\u00e1t h\u1ebft nh\u1eefng \u0111i\u1ec1u ki\u1ec7n c\u1ee7a c\u01a1 h\u1ed9i vay v\u1ed1n mua nh\u00e0 c\u1ee7a ng\u01b0\u1eddi ngh\u00e8o.<\/p>\n

Ch\u00ednh s\u00e1ch g\u1ea7n nh\u01b0 kh\u00f4ng t\u1ea1o c\u01a1 h\u1ed9i cho ng\u01b0\u1eddi ngh\u00e8o mua nh\u00e0<\/em><\/h5>\n
C\u00f3 th\u1ec3 hi\u1ec3u l\u00e0 ng\u00e2n h\u00e0ng c\u00f3 c\u00e1i kh\u00f3 ri\u00eang?<\/em><\/h5>\n

T\u00f4i cho r\u1eb1ng, vi\u1ec7c cho vay nh\u01b0 v\u1eady s\u1ebd g\u00e2y r\u1ee7i ro r\u1ea5t l\u1edbn \u0111\u1ed1i v\u1edbi NHTM. D\u00f9 nh\u1eadn ngu\u1ed3n v\u1ed1n c\u1ee7a Nh\u00e0 n\u01b0\u1edbc hay v\u1ed1n huy \u0111\u1ed9ng th\u00ec c\u0169ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m cho vay thu \u0111\u1ee7 n\u1ee3 g\u1ed1c c\u0169ng nh\u01b0 ti\u1ec1n l\u00e3i \u0111\u1ec3 ho\u00e0n v\u1ed1n, \u0111\u1ee7 trang tr\u1ea3i chi ph\u00ed t\u1ed1i thi\u1ec3u c\u1ed9ng v\u1edbi m\u1ed9t ph\u1ea7n l\u1ee3i nhu\u1eadn.<\/p>\n

\u0110i\u1ec1u c\u01a1 b\u1ea3n nh\u1ea5t l\u00e0 NHTM ph\u1ea3i t\u00ednh to\u00e1n sao cho kh\u00f4ng b\u1ecb r\u1ee7i ro m\u1edbi ph\u00e1t sinh c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t c\u1ea3 ch\u00ec l\u1eabn ch\u00e0i, trong b\u1ed1i c\u1ea3nh n\u1ee3 x\u1ea5u v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111ang \u1edf m\u1ee9c c\u1ea7n quan t\u00e2m nghi\u00eam ng\u1eb7t. V\u00ec v\u1eady, \u0111\u01b0\u01a1ng nhi\u00ean, ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 th\u1ec3 cho vay \u0111\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, c\u00f3 thu nh\u1eadp kh\u00e1 gi\u1ea3 \u0111\u1ec3 tr\u1ea3 n\u1ee3 v\u00e0 ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m an to\u00e0n, h\u1ee3p ph\u00e1p. Trong khi, \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay, m\u00e0 c\u00e1c nh\u00e0 thi\u1ebft k\u1ebf g\u00f3i t\u00edn d\u1ee5ng n\u00e0y h\u01b0\u1edbng t\u1edbi, h\u1ea7u nh\u01b0 kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u \u0111\u00f3.<\/p>\n

M\u1eb7t kh\u00e1c, c\u00e1n b\u1ed9 c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y \u0111ang r\u1ea5t lo ng\u1ea1i ph\u1ea3i g\u00e1nh ch\u1ecbu h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd n\u1eb7ng n\u1ec1 t\u1eeb vi\u1ec7c kh\u00e1ch h\u00e0ng \u0111\u1ed5 b\u1ec3, th\u1ea5t tho\u00e1t, l\u1eeba \u0111\u1ea3o\u2026 Ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, nh\u01b0ng nhi\u1ec1u c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng \u0111\u00e3 ph\u1ea3i v\u01b0\u1edbng v\u00e0o t\u1ed9i danh trong B\u1ed9 Lu\u1eadt h\u00ecnh s\u1ef1 nh\u01b0: thi\u1ebfu tr\u00e1ch nhi\u1ec7m g\u00e2y thi\u1ec7t h\u1ea1i t\u1eeb 50 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean; n\u1eb7ng h\u01a1n l\u00e0 t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i g\u00e2y thi\u1ec7t h\u1ea1i t\u1ed1i thi\u1ec3u t\u1eeb 100 tri\u1ec7u \u0111\u1ed3ng; v\u00e0 ph\u1ed5 bi\u1ebfn l\u00e0 t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay th\u00ec c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t \u0111\u1ebfn 20 n\u0103m t\u00f9.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, n\u1ebfu cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, t\u1ee9c cho vay t\u00edn ch\u1ea5p th\u00ec t\u00f9 t\u1ed9i nh\u01b0 ch\u01a1i theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 179 c\u1ee7a B\u1ed9 Lu\u1eadt h\u00ecnh s\u1ef1. Trong khi \u0111\u00f3, ng\u01b0\u1eddi ngh\u00e8o th\u00ec l\u1ea5y \u0111\u00e2u ra t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. C\u00f3 mua \u0111\u01b0\u1ee3c nh\u00e0 th\u00ec c\u0169ng c\u00f2n l\u00e2u m\u1edbi c\u00f3 gi\u1ea5y t\u1edd s\u1edf h\u1eefu\u2026 \u0110i\u1ec1u n\u00e0y g\u00e2y r\u1ee7i ro r\u1ea5t l\u1edbn cho c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

V\u1eady, mu\u1ed1n ph\u00e1 b\u0103ng g\u00f3i t\u00edn d\u1ee5ng n\u00e0y, theo \u00f4ng, ch\u00ednh s\u00e1ch c\u1ea7n thay \u0111\u1ed5i nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/h5>\n

\u0110i\u1ec1u ch\u1ec9nh ch\u00ednh s\u00e1ch b\u1eb1ng vi\u1ec7c gi\u1ea3m l\u00e3i kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ea5t c\u1ea3. B\u1edfi v\u00ec, g\u00e1nh n\u1eb7ng tr\u1ea3 n\u1ee3 ch\u1ee7 y\u1ebfu \u1edf n\u1ee3 g\u1ed1c ch\u1ee9 kh\u00f4ng ph\u1ea3i n\u1ee3 l\u00e3i. K\u00e9o d\u00e0i th\u1eddi h\u1ea1n vay v\u1ed1n, tr\u1ea3 n\u1ee3 th\u00ec ng\u00e2n h\u00e0ng l\u1ea1i c\u00e0ng th\u1ea5y r\u1ee7i ro v\u00e0 kh\u00e1ch h\u00e0ng c\u00e0ng kh\u00f3 ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh b\u1ea3o \u0111\u1ea3m tr\u1ea3 n\u1ee3. \u0110\u01b0a th\u00eam NHTM v\u00e0o cho vay th\u00ec ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng ph\u1ea3i th\u1ef1c hi\u1ec7n nguy\u00ean t\u1eafc, ch\u1ec9 gi\u1ea3i ng\u00e2n khi kho\u1ea3n vay b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3. Cho ph\u00e9p th\u1ebf ch\u1ea5p ch\u00ednh c\u0103n h\u1ed9 \u0111\u01b0\u1ee3c mua th\u00ec c\u0169ng ch\u1ec9 l\u00e0 s\u1ef1 g\u01b0\u1ee3ng \u00e9p v\u00ec thi\u1ebfu s\u1ef1 b\u1ea3o \u0111\u1ea3m th\u1ef1c ch\u1ea5t. H\u01a1n n\u1eefa, \u0111i\u1ec1u ki\u1ec7n v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 l\u00e0 v\u1ea5n \u0111\u1ec1 ch\u00ednh ch\u1ee9 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o \u0111\u1ea3m ch\u1ec9 l\u00e0 y\u1ebfu t\u1ed1 r\u00e0ng bu\u1ed9c ph\u1ee5.<\/p>\n

Ch\u00ednh v\u00ec v\u1eady, theo t\u00f4i, n\u1ebfu mu\u1ed1n ti\u1ebfp t\u1ee5c tri\u1ec3n khai g\u00f3i t\u00edn d\u1ee5ng n\u00e0y th\u00ec c\u1ea7n ph\u1ea3i cho vay theo c\u00e1ch th\u1ee9c c\u1ee7a t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch, thay cho t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i, t\u1ee9c l\u00e0 Nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh thay v\u00ec th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh.<\/p>\n

Xin c\u1ea3m \u01a1n \u00f4ng!<\/em><\/h5>\n

D\u01b0\u01a1ng C\u00f4ng Chi\u1ebfn<\/strong>\u00a0th\u1ef1c hi\u1ec7n<\/p>\n

(1.167\/1.167)<\/p>\n

———————-<\/p>\n

B\u00e0i g\u1ed1c<\/strong><\/h4>\n

B\u00e0i vi\u1ebft g\u1eedi \u0111\u0103ng Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 21-3-2014<\/em><\/strong><\/h4>\n

G\u00d3I T\u00cdN D\u1ee4NG 30.000 T\u1ef6: NHI\u1ec6M V\u1ee4 B\u1ea4T KH\u1ea2 THI!<\/strong><\/h4>\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><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/strong><\/em><\/p>\n

Sau g\u1ea7n 1 n\u0103m quy\u1ebft t\u00e2m v\u00e0 r\u1ea7m r\u1ed9 tri\u1ec3n khai g\u00f3i t\u00edn d\u1ee5ng 30.000 t\u1ef7 \u0111\u1ed3ng cho vay h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf, nh\u01b0ng d\u01b0 n\u1ee3 cho vay th\u00ec th\u1ea5p \u0111\u1ebfn m\u1ee9c kh\u00f4ng \u0111\u00e1ng k\u1ec3. V\u1eady nguy\u00ean nh\u00e2n ch\u1ee7 y\u1ebfu t\u1ea1i \u0111\u00e2u, c\u00f3 ph\u1ea3i l\u00e0 do l\u1ed7i th\u1edd \u01a1 v\u1edbi nhi\u1ec7m v\u1ee5 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i?<\/p>\n

D\u01b0 n\u1ee3 qu\u00e1 th\u1ea5p th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 do c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ecbu gi\u1ea3i ng\u00e2n. Tuy nhi\u00ean, l\u00e0 doanh nghi\u1ec7p ch\u1ee7 y\u1ebfu s\u1ed1ng d\u1ef1a v\u00e0o vi\u1ec7c cho vay v\u1ed1n, t\u1ea1i sao c\u00e1c ng\u00e2n h\u00e0ng l\u1ea1i \u201cl\u1ea1nh nh\u1ea1t\u201d v\u1edbi vi\u1ec7c cho vay? C\u00e0ng k\u1ef3 l\u1ea1, khi m\u00e0 ngu\u1ed3n v\u1ed1n th\u00ec s\u1eb5n c\u00f3, kh\u00e1ch h\u00e0ng th\u00ec d\u1ed3i d\u00e0o, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 vi\u1ec7c \u00e1p v\u00e0o gi\u1ea3i ng\u00e2n v\u00e0 h\u01b0\u1edfng l\u00e3i c\u1ed1 \u0111\u1ecbnh.<\/p>\n

Th\u1ef1c ch\u1ea5t, d\u00f9 r\u1ea5t mu\u1ed1n nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn r\u1ea5t kh\u00f3 cho vay, th\u1eadm ch\u00ed kh\u00f4ng th\u1ec3 cho vay. C\u0169ng gi\u1ed1ng nh\u01b0 ng\u01b0\u1eddi vay, d\u00f9 c\u0169ng mong mu\u1ed1n, nh\u01b0ng l\u1ea1i kh\u00f4ng th\u1ec3 \u201cleo l\u00ean c\u1ed9t m\u1ee1\u201d.<\/p>\n

Sai l\u1ea7m xu\u1ea5t ph\u00e1t t\u1eeb ch\u00ednh s\u00e1ch v\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 t\u1eeb \u0111\u00f3. Tr\u01b0\u1edbc h\u1ebft l\u00e0 vi\u1ec7c x\u00e1c \u0111\u1ecbnh kh\u00f4ng r\u00f5 m\u1ee5c ti\u00eau ch\u00ednh l\u00e0 nh\u1eb1m gi\u1ea3i c\u1ee9u, gi\u00e3 b\u0103ng th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n hay nh\u1eb1m gi\u00fap \u0111\u1ee1, h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi ngh\u00e8o mua nh\u00e0 \u1edf. Ti\u1ebfp \u0111\u00f3 l\u00e0 sai l\u1ea7m l\u1edbn trong vi\u1ec7c x\u00e1c \u0111\u1ecbnh c\u1ea3 hai m\u1ee5c ti\u00eau. N\u1ebfu m\u1ee5c ti\u00eau ch\u00ednh l\u00e0 c\u1ee9u b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec l\u1ea1i kh\u00f4ng t\u1eadp trung v\u00e0o vi\u1ec7c gi\u00e3 b\u0103ng ph\u00e2n kh\u00fac \u0111ang \u1ebf th\u1eeba l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n trung \u2013 cao c\u1ea5p, m\u00e0 l\u1ea1i \u0111i gi\u1ea3i c\u1ee9u ph\u00e2n kh\u00fac kh\u00f4ng th\u1eeba h\u00e0ng l\u00e0 nh\u00e0 \u1edf gi\u00e1 r\u1ebb. Kh\u00f4ng nh\u1eefng th\u1ebf l\u1ea1i c\u00f2n ti\u1ebfp t\u1ee5c gi\u1ea3i ng\u00e2n cho c\u00e1c doanh nghi\u1ec7p \u0111\u1ec3 x\u00e2y d\u1ef1ng th\u00eam nh\u00e0 \u1edf, \u0111\u1ea9y c\u0103ng th\u00eam t\u00ecnh tr\u1ea1ng \u201cb\u1ed9i th\u1ef1c\u201d nh\u00e0 \u1edf.<\/p>\n

C\u00f2n n\u1ebfu m\u1ee5c ti\u00eau ch\u00ednh l\u00e0 nh\u1eb1m h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi ngh\u00e8o mua nh\u00e0 \u1edf, th\u00ec c\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng c\u1ee5m t\u1eeb \u201ccho vay h\u1ed7 tr\u1ee3 mua <\/em>nh\u00e0 \u1edf\u201d, ch\u1ee9 kh\u00f4ng th\u1ec3 b\u1ecf qua y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t l\u00e0 ng\u01b0\u1eddi mua, \u0111\u1ec3 r\u1ed3i ch\u1ec9 c\u00f2n l\u00e0 g\u00f3i \u201ccho vay h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf\u201d (t\u1ee9c v\u00ec m\u1ee5c ti\u00eau gi\u1ea3i c\u1ee9u b\u1ea5t \u0111\u1ed9ng s\u1ea3n). Tuy nhi\u00ean \u0111i\u1ec1u c\u1ed1t l\u00f5i l\u00e0 ch\u00ednh s\u00e1ch \u0111\u00e3 nh\u1ea7m l\u1eabn, v\u00ec g\u1ea7n nh\u01b0 kh\u00f4ng t\u1ea1o c\u01a1 h\u1ed9i th\u1eadt s\u1ef1 cho ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p (g\u1ecdi th\u1eb3ng ra l\u00e0 ng\u01b0\u1eddi ngh\u00e8o) mua nh\u00e0 \u1edf. V\u00ec ng\u01b0\u1eddi ngh\u00e8o th\u00ec l\u1ea5y \u0111\u00e2u ra n\u0103m b\u1ea3y tr\u0103m tri\u1ec7u, th\u1eadm ch\u00ed l\u00e0 ti\u1ec1n t\u1ef7 \u0111\u1ec3 mua nh\u00e0? Ng\u01b0\u1eddi ngh\u00e8o th\u00ec l\u1ea5y \u0111\u00e2u ra m\u1ed7i th\u00e1ng n\u0103m b\u1ea3y tri\u1ec7u, th\u1eadm ch\u00ed l\u00e0 c\u1ea3 ch\u1ee5c tri\u1ec7u \u0111\u1ec3 tr\u1ea3 n\u1ee3 g\u1ed1c? Ng\u01b0\u1eddi ngh\u00e8o th\u00ec tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc m\u1eaft \u0111\u00e3 kh\u00f3, l\u00e0m sao ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 vay trung v\u00e0 d\u00e0i h\u1ea1n. Do v\u1eady, ti\u1ec1n l\u00e3i vay d\u00f9 c\u00f3 th\u1ea5p h\u01a1n 6% th\u00ec c\u0169ng ch\u1ec9 nh\u1eb9 g\u00e1nh tr\u1ea3 n\u1ee3 h\u01a1n m\u1ed9t ch\u00fat, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 c\u01a1 h\u1ed9i vay v\u1ed1n mua nh\u00e0.<\/p>\n

T\u00f3m l\u1ea1i, \u0111\u00f3 l\u00e0 vi\u1ec7c cho vay m\u00e0 r\u1ee7i ro r\u1ea5t l\u1edbn \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. D\u00f9 nh\u1eadn ngu\u1ed3n v\u1ed1n c\u1ee7a nh\u00e0 n\u01b0\u1edbc hay v\u1ed1n huy \u0111\u1ed9ng, th\u00ec c\u0169ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m cho vay thu \u0111\u1ee7 n\u1ee3 g\u1ed1c c\u0169ng nh\u01b0 ti\u1ec1n l\u00e3i \u0111\u1ec3 ho\u00e0n v\u1ed1n v\u00e0 \u0111\u1ee7 trang tr\u1ea3i chi ph\u00ed t\u1ed1i thi\u1ec3u, c\u1ed9ng v\u1edbi c\u00f3 m\u1ed9t ph\u1ea7n l\u1ee3i nhu\u1eadn. V\u00e0 \u0111i\u1ec1u c\u01a1 b\u1ea3n nh\u1ea5t l\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i t\u00ednh to\u00e1n sao cho kh\u00f4ng b\u1ecb r\u1ee7i ro m\u1ea5t c\u1ea3 ch\u00ec l\u1eabn ch\u00e0i trong b\u1ed1i c\u1ea3nh n\u1ee3 x\u1ea5u v\u00e0 r\u1ee7i ro t\u00edn d\u1ee5ng \u0111ang \u1edf m\u1ee9c b\u00e1o \u0111\u1ed9ng. V\u00ec v\u1eady \u0111\u01b0\u01a1ng nhi\u00ean ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 th\u1ec3 cho vay \u0111\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, c\u00f3 thu nh\u1eadp kh\u00e1 gi\u1ea3 \u0111\u1ec3 tr\u1ea3 n\u1ee3 v\u00e0 ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m an to\u00e0n, h\u1ee3p ph\u00e1p. Trong khi \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay theo g\u00f3i t\u00edn d\u1ee5ng n\u00e0y h\u1ea7u nh\u01b0 kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u \u0111\u00f3.<\/p>\n

M\u1eb7t kh\u00e1c, c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y \u0111ang r\u1ea5t lo s\u1ecd ph\u1ea3i g\u00e1nh ch\u1ecbu h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd n\u1eb7ng n\u1ec1 t\u1eeb vi\u1ec7c kh\u00e1ch h\u00e0ng \u0111\u1ed5 b\u1ec3, th\u1ea5t tho\u00e1t, l\u1eeba \u0111\u1ea3o,\u2026 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 vay. Ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, nh\u01b0ng nhi\u1ec1u c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng \u0111\u00e3 ph\u1ea3i v\u00e0o t\u00f9 v\u1ec1 t\u1ed9i thi\u1ebfu tr\u00e1ch nhi\u1ec7m g\u00e2y thi\u1ec7t h\u1ea1i t\u1eeb 50 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean. N\u1eb7ng h\u01a1n l\u00e0 t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i g\u00e2y thi\u1ec7t h\u1ea1i t\u1ed1i thi\u1ec3u t\u1eeb 100 tri\u1ec7u \u0111\u1ed3ng v\u00e0 ph\u1ed5 bi\u1ebfn l\u00e0 t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay th\u00ec c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t \u0111\u1ebfn 20 n\u0103m t\u00f9. \u0110\u1eb7c bi\u1ec7t n\u1ebfu \u201ccho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d, t\u1ee9c cho vay \u201ct\u00edn ch\u1ea5p\u201d th\u00ec t\u00f9 t\u1ed9i nh\u01b0 ch\u01a1i theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 179 c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1. Trong khi \u0111\u00f3, ng\u01b0\u1eddi ngh\u00e8o th\u00ec l\u1ea5y \u0111\u00e2u ra t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Th\u1eadm ch\u00ed ph\u1ea3i kh\u00f4ng c\u00f3 nh\u00e0 c\u1eeda th\u00ec m\u1edbi \u0111\u01b0\u1ee3c vay mua nh\u00e0. C\u00f3 mua \u0111\u01b0\u1ee3c nh\u00e0 th\u00ec c\u0169ng c\u00f2n l\u00e2u m\u1edbi c\u00f3 gi\u1ea5y t\u1edd s\u1edf h\u1eefu. R\u1ed3i nh\u00e0 \u0111\u01b0\u1ee3c mua theo g\u00f3i t\u00edn d\u1ee5ng n\u00e0y l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p (v\u00ec b\u1ecb c\u1ea5m mua b\u00e1n) trong v\u00f2ng 10 n\u0103m theo quy \u0111\u1ecbnh. \u0110\u1eb7c bi\u1ec7t, n\u1ebfu nh\u01b0 c\u00f3 ng\u01b0\u1eddi kh\u00e1c l\u00e0 th\u00e2n nh\u00e2n, b\u1ea1n h\u1eefu s\u1eb5n s\u00e0ng \u201chy sinh\u201d t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd \u0111\u1ec3 th\u1ebf ch\u1ea5p \u0111\u1ec3 cho ng\u01b0\u1eddi vay, th\u00ec T\u00f2a \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao l\u1ea1i \u201c\u0111e d\u1ecda\u201d tuy\u00ean b\u1ed1 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba l\u00e0 v\u00f4 hi\u1ec7u (?!).<\/p>\n

R\u00f5 r\u00e0ng, thi\u1ebft k\u1ebf g\u00f3i t\u00edn d\u1ee5ng n\u00e0y th\u00ec theo h\u01b0\u1edbng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i, nh\u01b0ng th\u1ef1c hi\u1ec7n th\u00ec l\u1ea1i l\u00e0 y\u00eau c\u1ea7u c\u1ee7a t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i. \u0110\u00f3 ch\u00ednh l\u00e0 m\u00e2u thu\u1eabn ho\u00e0n to\u00e0n \u0111\u1ed1i ngh\u1ecbch kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft v\u00e0 ch\u00ednh l\u00e0 l\u00fd do d\u1eabn \u0111\u1ebfn th\u1ea5t b\u1ea1i. V\u00ec v\u1eady, th\u1ea5t b\u1ea1i c\u1ee7a g\u00f3i t\u00edn d\u1ee5ng 30.000 t\u1ef7 \u0111\u1ed3ng kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ed7i t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng. M\u1ea5u ch\u1ed1t l\u00e0 ch\u00ednh s\u00e1ch nh\u1ea7m l\u1eabn, v\u00ec v\u1eady mu\u1ed1n ph\u00e1 b\u0103ng g\u00f3i t\u00edn d\u1ee5ng n\u00e0y, th\u00ec c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i c\u01a1 b\u1ea3n ch\u00ednh s\u00e1ch.<\/p>\n

\u0110i\u1ec1u ch\u1ec9nh ch\u00ednh s\u00e1ch b\u1eb1ng vi\u1ec7c gi\u1ea3m l\u00e3i l\u00e0 kh\u00f4ng m\u1ea5y \u00fd ngh\u0129a, v\u00ec g\u00e1nh n\u1eb7ng tr\u1ea3 n\u1ee3 ch\u1ee7 y\u1ebfu l\u00e0 \u1edf n\u1ee3 g\u1ed1c ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 n\u1ee3 l\u00e3i. K\u00e9o d\u00e0i th\u1eddi h\u1ea1n vay v\u1ed1n, tr\u1ea3 n\u1ee3 th\u00ec ng\u00e2n h\u00e0ng l\u1ea1i c\u00e0n th\u1ea5y r\u1ee7i ro v\u00e0 kh\u00e1ch h\u00e0ng c\u00e0ng kh\u00f3 ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh b\u1ea3o \u0111\u1ea3m tr\u1ea3 n\u1ee3. \u0110\u01b0a th\u00eam ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0o cho vay th\u00ec ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng ph\u1ea3i th\u1ef1c hi\u1ec7n nguy\u00ean t\u1eafc, ch\u1ec9 gi\u1ea3i ng\u00e2n khi kho\u1ea3n vay b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3. Cho ph\u00e9p th\u1ebf ch\u1ea5p ch\u00ednh c\u0103n h\u1ed9 \u0111\u01b0\u1ee3c mua th\u00ec c\u0169ng ch\u1ec9 l\u00e0 s\u1ef1 g\u01b0\u1ee3ng \u00e9p v\u00ec thi\u1ebfu s\u1ef1 b\u1ea3o \u0111\u1ea3m th\u1ef1c ch\u1ea5t. H\u01a1n n\u1eefa, \u0111i\u1ec1u ki\u1ec7n v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 l\u00e0 v\u1ea5n \u0111\u1ec1 ch\u00ednh ch\u1ee9 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o \u0111\u1ea3m ch\u1ec9 l\u00e0 y\u1ebfu t\u1ed1 r\u00e0ng bu\u1ed9c ph\u1ee5.<\/p>\n

T\u00f3m l\u1ea1i, n\u1ebfu mu\u1ed1n ti\u1ebfp t\u1ee5c tri\u1ec3n khai g\u00f3i t\u00edn d\u1ee5ng n\u00e0y th\u00ec c\u1ea7n ph\u1ea3i cho vay theo c\u00e1ch th\u1ee9c c\u1ee7a t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch thay cho t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i, t\u1ee9c l\u00e0 nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh thay v\u00ec th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh.<\/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

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (\u0110\u1ea7u t\u01b0) 21-3-2014:<\/em><\/strong><\/p>\n

http:\/\/www.thoibaonganhang.vn\/tin-tuc\/3-giai-ngan-goi-30000-ty-dong–giam-lai-khong-phai-la-tat-ca-18779.html<\/em>","protected":false},"excerpt":{"rendered":"

Gi\u1ea3i ng\u00e2n G\u00f3i 30.000 t\u1ef7 \u0111\u1ed3ng: Gi\u1ea3m l\u00e3i kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ea5t c\u1ea3. (TBNH) – Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, n\u1ebfu mu\u1ed1n ti\u1ebfp t\u1ee5c tri\u1ec3n khai g\u00f3i t\u00edn d\u1ee5ng 30.000 t\u1ef7 \u0111\u1ed3ng th\u00ec c\u1ea7n ph\u1ea3i cho vay theo c\u00e1ch th\u1ee9c c\u1ee7a t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch, thay cho t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i, t\u1ee9c l\u00e0 Nh\u00e0 […]<\/p>\n","protected":false},"author":7,"featured_media":4829,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[42,36],"class_list":["post-4886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dat-dai","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n167. 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