{"id":4905,"date":"2013-05-09T23:25:31","date_gmt":"2013-05-09T16:25:31","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4905"},"modified":"2024-11-04T14:45:28","modified_gmt":"2024-11-04T07:45:28","slug":"161-con-so-vo-hon","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/161-con-so-vo-hon\/","title":{"rendered":"161. Con s\u1ed1 v\u00f4 h\u1ed3n."},"content":{"rendered":"<h4><span style=\"color: #723918;\">Con s\u1ed1 v\u00f4 h\u1ed3n.<\/span><\/h4>\n<h5><strong>(KTSG) &#8211; Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n s\u1ed1 18-2013 ng\u00e0y 2-5-2013 c\u00f3 b\u00e0i Ng\u1ed3i tr\u00ean tr\u1eddi x\u1eed \u00e1n, trong \u0111\u00f3 c\u00f3 nh\u1eafc \u0111\u1ebfn m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n 9% \u0111\u00e3 khuy\u1ebfn kh\u00edch vi\u1ec7c chi\u1ebfm d\u1ee5ng v\u1ed1n trong b\u1ed1i c\u1ea3nh tranh ch\u1ea5p v\u1ec1 kinh doanh \u0111ang ng\u00e0y c\u00e0ng gia t\u0103ng. B\u00e0i vi\u1ebft n\u00e0y cho th\u1ea5y con s\u1ed1<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a> l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ch\u1ec9 c\u00f2n l\u00e0 m\u1ed9t con s\u1ed1 v\u00f4 ngh\u0129a, kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, ch\u1eb3ng li\u00ean quan g\u00ec \u0111\u1ebfn l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay trong nhi\u1ec1u n\u0103m qua. Nh\u01b0ng n\u00f3 l\u1ea1i c\u00f3 \u00fd ngh\u0129a ph\u00e1p l\u00fd v\u00e0 th\u1ef1c t\u1ebf v\u00f4 c\u00f9ng quan tr\u1ecdng, g\u1eafn li\u1ec1n v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch kinh t\u1ebf, d\u00e2n s\u1ef1 c\u00f3 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t v\u00e0 thanh to\u00e1n.<\/strong><\/h5>\n<h5><strong>Gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t<\/strong><\/h5>\n<p>\u0110i\u1ec1u 476 v\u1ec1 l\u00e3i su\u1ea5t, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh: \u201cL\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\u201d. Vi\u1ec7c quy \u0111\u1ecbnh l\u00e3i su\u1ea5t vay ti\u1ec1n c\u0103n c\u1ee9 v\u00e0o l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n xu\u1ea5t ph\u00e1t t\u1eeb quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 9, Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam n\u0103m 1997: \u201cL\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 l\u00e3i su\u1ea5t do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 l\u00e0m c\u01a1 s\u1edf cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t kinh doanh.\u201d<\/p>\n<p>Trong nhi\u1ec1u n\u0103m sau \u0111\u00f3, l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh xoay quanh l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Khi \u0111\u00f3, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh \u201ctr\u00ean c\u01a1 s\u1edf tham kh\u1ea3o m\u1ee9c l\u00e3i su\u1ea5t cho vay th\u01b0\u01a1ng m\u1ea1i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng t\u1ed1t nh\u1ea5t c\u1ee7a nh\u00f3m c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn\u201d (Quy\u1ebft \u0111\u1ecbnh s\u1ed1 241\/2000\/Q\u0110-NHNN1 ng\u00e0y 02-8-2000 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc), t\u1ee9c l\u00e0 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay trung b\u00ecnh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. T\u1eeb n\u0103m 2000 \u0111\u1ebfn nay, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, th\u1ea5p nh\u1ea5t l\u00e0 7% (n\u0103m 2009) v\u00e0 cao nh\u1ea5t l\u00e0 14%\/n\u0103m (n\u0103m 2008) tu\u1ef3 thu\u1ed9c v\u00e0o di\u1ec5n bi\u1ebfn c\u1ee7a th\u1ecb tr\u01b0\u1eddng. Nh\u01b0ng t\u1eeb th\u00e1ng 10-2010 \u0111\u1ebfn nay, con s\u1ed1 n\u00e0y \u0111\u00e3 b\u1ecb \u201c\u00e1n binh b\u1ea5t \u0111\u1ed9ng&#8221; \u1edf m\u1ee9c 9%\/n\u0103m. V\u00e0 ch\u00ednh con s\u1ed1 v\u00f4 h\u1ed3n n\u00e0y \u0111\u00e3 tr\u1edf th\u00e0nh th\u1ee7 ph\u1ea1m <em>c\u1ee7a nhi\u1ec1u v\u1ea5n \u0111\u1ec1<\/em> <em>li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t<\/em><a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a><em>.<\/em><\/p>\n<h5><strong>Ng\u00e2n h\u00e0ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n<\/strong><\/h5>\n<p>Tuy B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01-01-2006, nh\u01b0ng ng\u00e0nh Ng\u00e2n h\u00e0ng ch\u1ec9 \u00e1p d\u1ee5ng quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n trong m\u1ed9t th\u1eddi gian ng\u1eafn. C\u1ee5 th\u1ec3 l\u00e0 b\u1eaft \u0111\u1ea7u t\u1eeb ng\u00e0y 19-5-2008 (theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 16\/2008\/Q\u0110-NHNN ng\u00e0y 16-5-2008), sau \u0111\u00f3 \u201ctho\u00e1t\u201d d\u1ea7n m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y 01-02-2009 (theo Th\u00f4ng t\u01b0 s\u1ed1 01\/2009\/TT-NHNN ng\u00e0y 23-01-2009) v\u00e0 \u201cly khai\u201d h\u1eb3n gi\u1edbi h\u1ea1n n\u00e0y k\u1ec3 t\u1eeb ng\u00e0y 14-4-2010 (theo Th\u00f4ng t\u01b0 s\u1ed1 12\/2010\/TT-NHNN ng\u00e0y 14-4-2010).<\/p>\n<p>Ngo\u00e0i n\u0103m l\u0129nh v\u1ef1c (ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n; th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n SXKD h\u00e0ng xu\u1ea5t kh\u1ea9u; ph\u1ee5c v\u1ee5 SXKD c\u1ee7a doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba; ph\u00e1t tri\u1ec3n ng\u00e0nh c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3 v\u00e0 ph\u1ee5c v\u1ee5 SXKD c\u1ee7a doanh nghi\u1ec7p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao), n\u1ebfu nh\u01b0 \u201cc\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh minh b\u1ea1ch, l\u00e0nh m\u1ea1nh.\u201d, th\u00ec c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i kh\u00f4ng qu\u00e1 11%\/n\u0103m, c\u00f2n l\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 m\u1eb7c s\u1ee9c cho vay v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 cao bao nhi\u00eau c\u0169ng v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p.<\/p>\n<p>Nh\u01b0 v\u1eady, ch\u1ec9 sau m\u1ed9t kho\u1ea3ng th\u1eddi gian ng\u1eafn ch\u1ea5p h\u00e0nh gi\u1edbi h\u1ea1n 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n trong ng\u00e0nh Ng\u00e2n h\u00e0ng, th\u00ec Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 <em>t<\/em><em>h\u1ea5y qu\u00e1 phi th\u1ef1c t\u1ebf, kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. <\/em><em>Do \u0111\u00f3<\/em><em>, C\u01a1 quan n\u00e0y \u0111\u00e3<\/em><a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a> t\u1eebng 4 l\u1ea7n \u0111\u1ec1 xu\u1ea5t ch\u1ec9nh s\u1eeda n\u1edbi r\u1ed9ng gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t. \u0110\u1ed3ng th\u1eddi, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 t\u1ef1 t\u00ecm c\u00e1ch tho\u00e1t kh\u1ecfi \u201cv\u00f2ng kim c\u00f4\u201d n\u00e0y v\u00e0 b\u1ecf m\u1eb7c s\u1ef1 kh\u00f3 kh\u0103n \u201coan tr\u00e1i\u201d cho c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c.<\/p>\n<h5><strong>L\u0129nh v\u1ef1c kh\u00e1c v\u1eabn ph\u1ea3i theo<\/strong><\/h5>\n<p>Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 kh\u00f4ng c\u00f2n \u201cd\u00e2y d\u01b0a\u201d g\u00ec v\u1edbi con s\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u0169ng nh\u01b0 gi\u1edbi h\u1ea1n 150%. Nh\u01b0ng h\u00e0ng ngh\u00ecn th\u1ea9m ph\u00e1n To\u00e0 \u00e1n, h\u00e0ng v\u1ea1n h\u1ee3p \u0111\u1ed3ng kinh doanh, th\u01b0\u01a1ng m\u1ea1i, h\u00e0ng tri\u1ec7u giao k\u1ebft d\u00e2n s\u1ef1 v\u1eabn ph\u1ea3i d\u1ef1a v\u00e0o con s\u1ed1 v\u00f4 h\u1ed3n \u0111\u00f3. L\u00fd l\u1ebd, ph\u1ea3i tr\u00e1i, \u0111\u00fang sai c\u0169ng \u0111\u1ec1u ph\u1ea3i b\u00e1m l\u1ea5y c\u01a1 s\u1edf l\u00e0 con s\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n.<\/p>\n<p>Do l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh qu\u00e1 th\u1ea5p, n\u00ean vay ti\u1ec1n ngo\u00e0i ng\u00e2n h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c l\u00e0 cao h\u01a1n 13,5%\/n\u0103m l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p, ra to\u00e0 s\u1ebd b\u1ecb b\u00e1c b\u1ecf, ng\u00e0nh Thu\u1ebf c\u0169ng kh\u00f4ng cho ph\u00e9p h\u1ea1ch to\u00e1n v\u00e0o chi ph\u00ed h\u1ee3p l\u1ec7, h\u1ee3p ph\u00e1p \u0111\u1ec3 t\u00ednh thu\u1ebf thu nh\u1eadp. R\u1ed3i vi\u1ec7c tho\u1ea3 thu\u1eadn m\u1ee9c ph\u1ea1t ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thanh to\u00e1n qu\u00e1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c l\u00e0 qu\u00e1 9%\/n\u0103m c\u0169ng l\u00e0 tr\u00e1i lu\u1eadt.<\/p>\n<p>Doanh nghi\u1ec7p, c\u00e1 nh\u00e2n mu\u1ed1n vay ng\u00e2n h\u00e0ng, th\u00ec th\u01b0\u1eddng l\u00e0 ph\u1ea3i c\u00f3 ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n s\u1ea3n xu\u1ea5t, kinh doanh ho\u1eb7c ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng an to\u00e0n, hi\u1ec7u qu\u1ea3, kh\u1ea3 thi, c\u00f9ng\u00a0v\u1edbi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ea7y \u0111\u1ee7 v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p c\u00f3 n\u1ee3 x\u1ea5u. Kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3, t\u1ee9c l\u00e0 r\u1ee7i ro cao, th\u00ec nhi\u1ec1u kh\u1ea3 n\u0103ng l\u00e0 ph\u1ea3i \u0111i vay b\u00ean ngo\u00e0i v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n. R\u1ee7i ro th\u1ea5p, th\u00ec l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i 13,5% tr\u1edf l\u00ean (tr\u01b0\u1edbc \u0111\u00e2y c\u00f2n l\u00ean \u0111\u1ebfn tr\u00ean 20%\/n\u0103m). Trong khi \u0111\u00f3, r\u1ee7i ro cao, nh\u01b0ng l\u00e3i su\u1ea5t vay ngo\u00e0i ng\u00e2n h\u00e0ng, l\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p kh\u00f4ng qu\u00e1 13,5%\/n\u0103m.<\/p>\n<h5><strong>H\u1eadu qu\u1ea3 tai h\u1ea1i<\/strong><\/h5>\n<p>Gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 13,5%\/n\u0103m v\u00e0 l\u00e3i su\u1ea5t ph\u1ea1t kh\u00f4ng qu\u00e1 9%\/n\u0103m \u0111\u00e3 d\u1eabn \u0111\u1ebfn m\u1ed9t h\u1ec7 qu\u1ea3 tai h\u1ea1i l\u00e0: Khuy\u1ebfn kh\u00edch vi\u1ec7c ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3, v\u00ec c\u00e0ng \u0111\u1ec3 l\u00e2u c\u00e0ng c\u00f3 l\u1ee3i v\u1ec1 ti\u1ec1n b\u1ea1c, hay \u00edt ra c\u0169ng ch\u1eb3ng thi\u1ec7t h\u1ea1i g\u00ec h\u01a1n vi\u1ec7c tr\u1ea3 \u0111\u00fang h\u1ea1n. Nh\u01b0 v\u1eady, hi\u1ec3n nhi\u00ean l\u00e0 ng\u01b0\u1eddi ta s\u1eb5n s\u00e0ng ch\u00e0 \u0111\u1ea1p m\u1ecdi cam k\u1ebft, coi th\u01b0\u1eddng ph\u00e1n quy\u1ebft c\u1ee7a To\u00e0, ph\u1edbt l\u1edd m\u1ec7nh l\u1ec7nh c\u1ee7a Thi h\u00e0nh \u00e1n v\u00e0 khinh nh\u1eddn ph\u00e1p lu\u1eadt.<\/p>\n<p>Trong qu\u00e3ng th\u1eddi gian l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ng\u1eafn h\u1ea1n d\u01b0\u1edbi 12 th\u00e1ng bi\u1ebfn \u0111\u1ed9ng t\u1eeb 7,5% \u0111\u1ebfn 14%\/n\u0103m, nh\u01b0ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n th\u00ec v\u1eabn c\u1ee9 b\u1ea5t bi\u1ebfn 9%\/n\u0103m. Kh\u00f4ng th\u1ec3 l\u00fd gi\u1ea3i \u0111\u01b0\u1ee3c vi\u1ec7c \u0111\u1ec3 k\u00e9o d\u00e0i t\u00ecnh tr\u1ea1ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ch\u1ec9 b\u1eb1ng m\u1ed9t n\u1eeda l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng, th\u1eadm ch\u00ed c\u00f2n th\u1ea5p h\u01a1n c\u1ea3 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi. <em>V\u00ec quy \u0111\u1ecbnh qu\u00e1 ra r\u1eddi th\u1ef1c t\u1ebf, cho n\u00ean l\u00e0m cho b\u00e0n d\u00e2n thi\u00ean h\u1ea1 tr\u01b0\u1eddng k\u1ef3 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/em><a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a><\/p>\n<p>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c \u1ea5n \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n kh\u00f4ng \u0103n nh\u1eadp v\u1edbi \u0111\u00f2i h\u1ecfi ch\u00ednh \u0111\u00e1ng c\u1ee7a cu\u1ed9c s\u1ed1ng. N\u1ebfu gi\u1edbi h\u1ea1n 150% l\u00e0 s\u1ef1 v\u00f4 l\u00fd, th\u00ec con s\u1ed1 9% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u00e0ng v\u00f4 l\u00fd h\u01a1n.<\/p>\n<p><em>Giao d\u1ecbch d\u01b0\u1edbi m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 kh\u00f4ng ph\u1ea1m lu\u1eadt. Vay m\u01b0\u1ee3n v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 ph\u1ea1m lu\u1eadt.<\/em><a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a> V\u00ec v\u1eady, v\u1ec1 l\u00e2u d\u00e0i, kh\u00f4ng th\u1ec3 kh\u00f4ng s\u1eeda t\u1ef7 l\u1ec7 150% n\u00f3i tr\u00ean, nh\u01b0ng tr\u01b0\u1edbc m\u1eaft c\u1ea7n ph\u1ea3i \u1ea5n \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n trong n\u0103m ngo\u00e1i l\u00e0 kh\u00f4ng th\u1ec3 th\u1ea5p h\u01a1n 18% v\u00e0 hi\u1ec7n nay \u00edt ra c\u0169ng ph\u1ea3i l\u00e0 12%, <em>thay v\u00ec con s\u1ed1 v\u00f4 h\u1ed3n 9%\/n\u0103m<\/em><em>. <\/em><em>Ch\u1ec9 c\u00f3 nh\u01b0 v\u1eady<\/em><em>, <\/em><em>th\u00ec ng\u00e0nh Ng\u00e2n h\u00e0ng m\u1edbi kh\u00f4ng c\u1ee9 \u201cm\u1ed9t m\u00ecnh m\u1ed9t chi\u1ebfu\u201d v\u00e0<\/em> <em>ph\u00e1p lu\u1eadt <\/em><em>m\u1edbi kh\u00f4ng <\/em><em>d\u1ed3n ng\u01b0\u1eddi ta v\u00e0o t\u00ecnh th\u1ebf bu\u1ed9c ph\u1ea3i vi ph\u1ea1m, kh\u00f4ng <\/em><em>ti\u1ebfp tay cho <\/em><em>\u201cth\u1ee7 ph\u1ea1m\u201d \u0111\u1ec3<\/em> <em>g\u00e2y<\/em><em> h\u1ea1i <\/em><em>cho \u201cn\u1ea1n nh\u00e2n\u201d trong c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 c\u0169ng nh\u01b0 kinh doanh, th\u01b0\u01a1ng m\u1ea1i<\/em>. <a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">,<\/a> Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n<p>&#8212;&#8212;<\/p>\n<p><strong><em>B\u00e0i vi\u1ebft \u0111\u0103ng Th\u1eddi b\u00e1o KTSG s\u1ed1 19-2013 ng\u00e0y 09-5-2013:\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 <\/em><\/strong><\/p>\n<p><strong>\u00a0<\/strong><strong>CON S\u1ed0 V\u00d4 H\u1ed2N<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> B\u00e0i vi\u1ebft th\u1ee9 17 \u0111\u0103ng tr\u00ean TBKTSG. \u0110\u01b0\u1ee3c gi\u1edbi thi\u1ec7u \u0111\u1ea7u ti\u00ean trong s\u1ed1 6 b\u00e0i tr\u00ean B\u00eca 1.<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> \u0110o\u1ea1n n\u00e0y do T\u00f2a so\u1ea1n th\u00eam v\u00e0o v\u00e0 b\u1ecf b\u1edbt \u0111o\u1ea1n \u201c\u0110\u1ed1i v\u1edbi ng\u00e0nh Ng\u00e2n h\u00e0ng\u201d tr\u01b0\u1edbc \u201cl\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ch\u1ec9 l\u00e0 con s\u1ed1\u2026\u201d<\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> T\u00f2a so\u1ea1n thay th\u1ebf \u0111o\u1ea1n \u201cth\u1ee7 ph\u1ea1m ch\u00f4n v\u00f9i l\u1ebd ph\u1ea3i, \u0111\u00f9a c\u1ee3t c\u00f4ng l\u00fd v\u00e0 ph\u1ee7 nh\u1eadn \u0111\u1ea1o l\u00fd v\u1ec1 l\u00e3i su\u1ea5t\u201d b\u1eb1ng \u0111o\u1ea1n \u201cth\u1ee7 ph\u1ea1m c\u1ee7a nhi\u1ec1u v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t\u201d.<\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> T\u00f2a so\u1ea1n b\u1ecf \u0111o\u1ea1n \u201c<em>t<\/em><em>h\u1ea5y qu\u00e1 phi th\u1ef1c t\u1ebf, kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. <\/em><em>Do \u0111\u00f3<\/em><em>, C\u01a1 quan n\u00e0y \u0111\u00e3<\/em>\u201d.<\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> T\u00f2a so\u1ea1n b\u1ecf c\u00e2u n\u00e0y.<\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> T\u00f2a so\u1ea1n b\u1ecf 2 c\u00e2u n\u00e0y.<\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> T\u00f2a so\u1ea1n b\u1ecf \u0111o\u1ea1n n\u00e0y.","protected":false},"excerpt":{"rendered":"<p>Con s\u1ed1 v\u00f4 h\u1ed3n. (KTSG) &#8211; Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n s\u1ed1 18-2013 ng\u00e0y 2-5-2013 c\u00f3 b\u00e0i Ng\u1ed3i tr\u00ean tr\u1eddi x\u1eed \u00e1n, trong \u0111\u00f3 c\u00f3 nh\u1eafc \u0111\u1ebfn m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n 9% \u0111\u00e3 khuy\u1ebfn kh\u00edch vi\u1ec7c chi\u1ebfm d\u1ee5ng v\u1ed1n trong b\u1ed1i c\u1ea3nh tranh ch\u1ea5p v\u1ec1 kinh doanh \u0111ang ng\u00e0y c\u00e0ng gia t\u0103ng. B\u00e0i [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4903,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,36],"class_list":["post-4905","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>161. Con s\u1ed1 v\u00f4 h\u1ed3n. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Con s\u1ed1 v\u00f4 h\u1ed3n. 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