{"id":49068,"date":"2025-10-28T16:25:18","date_gmt":"2025-10-28T09:25:18","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=49068"},"modified":"2025-11-11T16:57:55","modified_gmt":"2025-11-11T09:57:55","slug":"4-575-vay-von-dat-coc-bds-cong-ty-moi-gioi-va-chu-dau-tu-sai-ngan-hang-cung-khong-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-575-vay-von-dat-coc-bds-cong-ty-moi-gioi-va-chu-dau-tu-sai-ngan-hang-cung-khong-dung\/","title":{"rendered":"4.575. Vay v\u1ed1n \u0111\u1eb7t c\u1ecdc B\u0110S: \u2018C\u00f4ng ty m\u00f4i gi\u1edbi v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 sai, ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng \u0111\u00fang\u2019."},"content":{"rendered":"

Vay v\u1ed1n \u0111\u1eb7t c\u1ecdc B\u0110S: \u2018C\u00f4ng ty m\u00f4i gi\u1edbi v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 sai, ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng \u0111\u00fang\u2019.<\/strong><\/span><\/h4>\n
(VNF) – Trong c\u00e1c giao k\u1ebft giai \u0111o\u1ea1n ti\u1ec1n b\u00e1n h\u00e0ng c\u1ee7a c\u00e1c d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 l\u00e0 b\u00ean cho vay m\u00e0 c\u00f2n l\u00e0 \u201cb\u1ed9 l\u1ecdc\u201d quan tr\u1ecdng b\u1ea3o \u0111\u1ea3m an to\u00e0n cho th\u1ecb tr\u01b0\u1eddng. Tuy nhi\u00ean, vi\u1ec7c gi\u1ea3i ng\u00e2n d\u1ec5 d\u00e0ng cho c\u00e1c kh\u00e1ch h\u00e0ng khi d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n m\u1edf b\u00e1n \u0111ang khi\u1ebfn vai tr\u00f2 n\u00e0y tr\u1edf n\u00ean \u201cm\u1edd nh\u1ea1t\u201d, th\u1eadm ch\u00ed g\u00e2y tranh c\u00e3i v\u1ec1 m\u1ee9c \u0111\u1ed9 tr\u00e1ch nhi\u1ec7m c\u1ee7a h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay.<\/strong><\/h5>\n
L\u1ed7 h\u1ed5ng t\u1eeb nh\u1eefng kho\u1ea3n vay \u0111\u1eb7t c\u1ecdc<\/strong><\/h5>\n

V\u1ee5 ki\u1ec7n m\u1edbi \u0111\u00e2y gi\u1eefa ng\u00e2n h\u00e0ng \u2013 kh\u00e1ch h\u00e0ng \u2013 Novareal cho th\u1ea5y t\u00ecnh tr\u1ea1ng gi\u1ea3i ng\u00e2n c\u1ef1c k\u1ef3 d\u1ec5 d\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng khi ch\u1ec9 v\u1edbi m\u1ed9t v\u0103n b\u1ea3n th\u1ecfa thu\u1eadn mua b\u00e1n bi\u1ec7t th\u1ef1 gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 Novareal, ng\u00e2n h\u00e0ng \u0111\u00e3 gi\u1ea3i ng\u00e2n h\u00e0ng t\u1ef7 \u0111\u1ed3ng v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a Novareal, b\u1ea5t ch\u1ea5p vi\u1ec7c c\u00f4ng ty n\u00e0y kh\u00f4ng ph\u1ea3i ch\u1ee7 \u0111\u1ea7u t\u01b0, kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

H\u1ec7 l\u1ee5y x\u1ea3y \u0111\u1ebfn l\u00e0 kh\u00f4ng nh\u1ecf v\u1edbi ng\u00e2n h\u00e0ng. Trong v\u1ee5 ki\u1ec7n tr\u00ean, t\u00f2a s\u01a1 th\u1ea9m \u0111\u00e3 tuy\u00ean h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00f4 hi\u1ec7u, ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 thu \u0111\u01b0\u1ee3c n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng, ph\u1ea3i nh\u1eadn l\u1ea1i kho\u1ea3n ti\u1ec1n \u0111\u00e3 gi\u1ea3i ng\u00e2n tr\u01b0\u1edbc \u0111\u00f3 cho Novareal. N\u1ebfu ph\u00fac th\u1ea9m y \u00e1n, ng\u00e2n h\u00e0ng n\u00e0y c\u00f3 th\u1ec3 \u0111\u1ed1i di\u1ec7n v\u1edbi t\u00ecnh tr\u1ea1ng nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng d\u1ea1ng n\u00e0y s\u1ebd b\u1ecb h\u1ee7y n\u1ebfu kh\u00e1ch kh\u00f4ng thanh to\u00e1n ti\u1ebfp.<\/p>\n

\"Vay<\/p>\n

Li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay thanh to\u00e1n ti\u1ec1n \u0111\u1eb7t c\u1ecdc b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh Khu v\u1ef1c 2 \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n g\u1eedi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ea1i TP. HCM v\u00e0 \u0110\u1ed3ng Nai, c\u1ea3nh b\u00e1o r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng cho vay thanh to\u00e1n ti\u1ec1n \u0111\u1eb7t c\u1ecdc b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Theo v\u0103n b\u1ea3n, th\u1eddi gian qua, c\u01a1 quan n\u00e0y li\u00ean t\u1ee5c nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u01a1n th\u01b0 ng\u01b0\u1eddi d\u00e2n ph\u1ea3n \u00e1nh vi\u1ec7c m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n \u0111\u1eb7t c\u1ecdc theo \u201cv\u0103n b\u1ea3n th\u1ecfa thu\u1eadn\u201d k\u00fd v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb t\u01b0 v\u1ea5n, m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Ng\u01b0\u1eddi d\u00e2n cho r\u1eb1ng qu\u00e1 tr\u00ecnh c\u1ea5p t\u00edn d\u1ee5ng c\u00f3 d\u1ea5u hi\u1ec7u sai ph\u1ea1m.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Khu v\u1ef1c 2 y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng theo d\u00f5i ch\u1eb7t k\u1ebft lu\u1eadn c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng, ph\u1ed1i h\u1ee3p v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 x\u1eed l\u00fd c\u00e1c kho\u1ea3n vay \u0111\u00e3 ph\u00e1t sinh, b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi vay. \u0110\u1ed3ng th\u1eddi, c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1m d\u1eebng cho vay thanh to\u00e1n ti\u1ec1n \u0111\u1eb7t c\u1ecdc theo \u201cv\u0103n b\u1ea3n th\u1ecfa thu\u1eadn\u201d ho\u1eb7c h\u00ecnh th\u1ee9c t\u01b0\u01a1ng t\u1ef1 cho \u0111\u1ebfn khi c\u00f3 k\u1ebft lu\u1eadn ch\u00ednh th\u1ee9c.<\/p>\n

N\u1ebfu \u0111\u01b0\u1ee3c cho ph\u00e9p vay tr\u1edf l\u1ea1i, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i x\u00e2y d\u1ef1ng quy tr\u00ecnh ri\u00eang, ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro.<\/p>\n

Xoay quanh v\u1ea5n \u0111\u1ec1 tr\u00ean, theo chuy\u00ean gia kinh t\u1ebf, TS \u0110inh Th\u1ebf Hi\u1ec3n, vi\u1ec7c cho vay \u0111\u1eb7t c\u1ecdc l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi nguy\u00ean t\u1eafc t\u00edn d\u1ee5ng c\u01a1 b\u1ea3n, v\u1ed1n y\u00eau c\u1ea7u ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 m\u1ed9t ph\u1ea7n v\u1ed1n t\u1ef1 c\u00f3 (th\u01b0\u1eddng l\u00e0 30%) v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m r\u00f5 r\u00e0ng. Ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y \u0111i ng\u01b0\u1ee3c l\u1ea1i v\u1edbi ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ec1n v\u1eefng.<\/p>\n

V\u0103n b\u1ea3n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Khu v\u1ef1c 2 l\u1ea7n n\u00e0y c\u00f3 th\u1ec3 xem l\u00e0 b\u01b0\u1edbc th\u1ec3 ch\u1ebf h\u00f3a c\u1ee7a v\u1ee5 vi\u1ec7c m\u00e0 T\u00f2a \u00e1n nh\u00e2n d\u00e2n Khu v\u1ef1c 7 \u0111\u00e3 x\u1eed tr\u01b0\u1edbc \u0111\u00f3: v\u0103n b\u1ea3n th\u1ecfa thu\u1eadn mua bi\u1ec7t th\u1ef1 gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty m\u00f4i gi\u1edbi v\u00f4 hi\u1ec7u; h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa kh\u00e1ch h\u00e0ng mua bi\u1ec7t th\u1ef1 v\u00e0 ng\u00e2n h\u00e0ng nh\u1eb1m m\u1ee5c \u0111\u00edch vay \u0111\u1ec3 \u0111\u1eb7t c\u1ecdc mua bi\u1ec7t th\u1ef1 NovaWorld Phan Thi\u1ebft c\u0169ng v\u00f4 hi\u1ec7u.<\/p>\n

Theo \u00f4ng Hi\u1ec3n, l\u1ebd ra NHNN ph\u1ea3i \u201cth\u1ed5i c\u00f2i\u201d s\u1edbm h\u01a1n b\u1edfi b\u1ea3n ch\u1ea5t v\u1ea5n \u0111\u1ec1 n\u1eb1m \u1edf hai \u0111i\u1ec3m: th\u1ee9 nh\u1ea5t l\u00e0 ph\u00e1p l\u00fd, v\u0103n b\u1ea3n th\u1ecfa thu\u1eadn \u0111\u1eb7t c\u1ecdc c\u00f3 h\u1ee3p ph\u00e1p hay kh\u00f4ng; th\u1ee9 hai l\u00e0 nguy\u00ean t\u1eafc n\u1ec1n t\u1ea3ng trong qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00edn d\u1ee5ng m\u00e0 v\u0103n b\u1ea3n v\u1eeba r\u1ed3i v\u1eabn ch\u01b0a th\u1ec3 hi\u1ec7n r\u00f5.<\/p>\n

N\u1ebfu n\u00f3i v\u1ec1 nguy\u00ean l\u00fd t\u00edn d\u1ee5ng th\u00ec lo\u1ea1i h\u00ecnh cho vay \u0111\u1eb7t c\u1ecdc kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p t\u1ed3n t\u1ea1i. V\u1ed1n vay ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n th\u1eadt v\u00e0 n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 th\u1eadt.<\/p>\n

Khi ng\u00e2n h\u00e0ng cho vay mua nh\u00e0, h\u1ecd ph\u1ea3i \u0111\u00e1nh gi\u00e1 thu nh\u1eadp, n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 v\u00e0 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a kh\u00e1ch h\u00e0ng. Th\u00f4ng th\u01b0\u1eddng, ng\u00e2n h\u00e0ng ch\u1ec9 cho vay t\u1ed1i \u0111a 70% tr\u00ean gi\u00e1 tr\u1ecb c\u0103n nh\u00e0, 30% c\u00f2n l\u1ea1i ph\u1ea3i l\u00e0 ti\u1ec1n th\u1eadt c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 s\u1ed1 ti\u1ec1n n\u00e0y lu\u00f4n ph\u1ea3i b\u1ecf ra tr\u01b0\u1edbc khi ng\u00e2n h\u00e0ng c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n kho\u1ea3n vay.<\/p>\n

Th\u1ebf nh\u01b0ng trong tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 \u0111\u1eb7t c\u1ecdc, ngay t\u1eeb \u0111\u1ea7u ng\u01b0\u1eddi mua nh\u00e0 ch\u01b0a c\u00f3 ti\u1ec1n, ng\u00e2n h\u00e0ng l\u00e0 b\u00ean \u0111\u1ee9ng ra \u1ee9ng v\u1ed1n. Vi\u1ec7c n\u00e0y kh\u00e1c xa v\u1edbi nh\u1eefng nghi\u1ec7p v\u1ee5 c\u00f3 v\u1ebb r\u1ee7i ro cao nh\u01b0ng v\u1eabn ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c nh\u01b0 cho vay margin (giao d\u1ecbch k\u00fd qu\u1ef9) trong ch\u1ee9ng kho\u00e1n.<\/p>\n

C\u00f4ng ty ch\u1ee9ng kho\u00e1n cho vay t\u1ed1i \u0111a 60% tr\u00ean gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng nh\u01b0ng h\u1ecd lu\u00f4n c\u00f3 quy\u1ec1n \u201cc\u1eaft l\u1ed7\u201d ngay l\u1eadp t\u1ee9c khi gi\u00e1 c\u1ed5 phi\u1ebfu gi\u1ea3m, t\u1ee9c l\u00e0 v\u1eabn ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n cho vay th\u1ea5p h\u01a1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Ch\u01b0a k\u1ec3 nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ec1n trong t\u00e0i kho\u1ea3n ch\u1ee9ng kho\u00e1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng t\u1ef7 l\u1ec7 k\u00fd qu\u1ef9 t\u1ed1i thi\u1ec3u.<\/p>\n

C\u00f2n v\u1edbi v\u0103n b\u1ea3n th\u1ecfa thu\u1eadn \u0111\u1eb7t c\u1ecdc, n\u1ebfu ng\u01b0\u1eddi vay m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 g\u00ec \u0111\u1ec3 x\u1eed l\u00fd, v\u00ec \u0111\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t t\u1edd gi\u1ea5y cam k\u1ebft.<\/p>\n

Th\u1ef1c t\u1ebf, nh\u1eefng kho\u1ea3n vay \u0111\u1eb7t c\u1ecdc tr\u01b0\u1edbc \u0111\u00e2y ch\u1ee7 y\u1ebfu ph\u1ee5c v\u1ee5 nh\u00e0 \u0111\u1ea7u t\u01b0 l\u01b0\u1edbt s\u00f3ng ch\u1ee9 kh\u00f4ng ph\u1ea3i ng\u01b0\u1eddi mua \u1edf th\u1eadt. V\u00ed d\u1ee5 tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng vay 3 t\u1ef7 \u0111\u1ed3ng t\u1eeb ng\u00e2n h\u00e0ng v\u00e0 \u0111\u00e3 \u0111\u00f3ng l\u00e3i g\u1ea7n 900 tri\u1ec7u \u0111\u1ed3ng kh\u00f4ng ph\u1ea3i b\u1ecb l\u1eeba m\u00e0 l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 \u201csi\u00eau l\u01b0\u1edbt s\u00f3ng\u201d. Khi th\u1ea5y kho\u1ea3n \u0111\u1ea7u t\u01b0 b\u1ecb thua l\u1ed7, h\u1ecd ch\u1ea5p nh\u1eadn b\u1ecf c\u1ecdc – ch\u1ec9 \u0111\u00f3ng ph\u1ea7n v\u1ed1n cho ng\u00e2n h\u00e0ng m\u00e0 kh\u00f4ng ti\u1ebfp \u0111\u00f3ng th\u00eam ti\u1ec1n hay tr\u1ea3 l\u00e3i.<\/p>\n

\u201cN\u00f3i nh\u01b0 v\u1eady \u0111\u1ec3 th\u1ea5y r\u1eb1ng, ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u00e3 cung c\u1ea5p c\u00f4ng c\u1ee5 cho l\u1ef1c l\u01b0\u1ee3ng \u0111\u1ea7u c\u01a1 n\u00e0y, th\u00f4ng qua h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u1eb7t c\u1ecdc. N\u1ebfu kh\u00f4ng c\u00f3 kho\u1ea3n vay n\u00e0y, ho\u1ea1t \u0111\u1ed9ng l\u01b0\u1edbt s\u1ebd kh\u00f3 ph\u00e1t tri\u1ec3n m\u1ea1nh \u0111\u1ebfn v\u1eady. B\u1edfi ng\u01b0\u1eddi mua nh\u00e0 th\u1ef1c s\u1ef1 c\u00f3 nhu c\u1ea7u th\u01b0\u1eddng d\u00f9ng ti\u1ec1n c\u00e1 nh\u00e2n \u0111\u1ec3 \u0111\u1eb7t c\u1ecdc, sau \u0111\u00f3 m\u1edbi vay th\u00eam\u201d \u2013 \u00f4ng Hi\u1ec3n n\u00eau quan \u0111i\u1ec3m.<\/p>\n

Nh\u00ecn th\u1eb3ng v\u00e0o tr\u00e1ch nhi\u1ec7m ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

Sau v\u1ee5 ki\u1ec7n li\u00ean quan \u0111\u1ebfn c\u00e1c kho\u1ea3n vay \u0111\u1eb7t c\u1ecdc; c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng, v\u0103n b\u1ea3n th\u1ecfa thu\u1eadn gi\u1eefa ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 kh\u00e1ch h\u00e0ng, gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1eddi vay \u1edf giai \u0111o\u1ea1n ti\u1ec1n b\u00e1n h\u00e0ng c\u1ee7a c\u00e1c d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m\u00e0 \u0111i\u1ec3n h\u00ecnh l\u00e0 v\u1ee5 vi\u1ec7c gi\u1eefa Ng\u00e2n h\u00e0ng \u2013 kh\u00e1ch h\u00e0ng \u2013 Novareal, c\u00e2u h\u1ecfi l\u1edbn \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0: Ng\u00e2n h\u00e0ng \u1edf \u0111\u00e2u trong chu\u1ed7i sai ph\u1ea1m n\u00e0y?<\/p>\n

B\u1edfi khi d\u00f2ng v\u1ed1n t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n d\u1ec5 d\u00e0ng cho nh\u1eefng \u201cth\u1ecfa thu\u1eadn \u0111\u1eb7t c\u1ecdc\u201d thi\u1ebfu c\u01a1 s\u1edf ph\u00e1p l\u00fd, kh\u00f4ng ch\u1ec9 ng\u01b0\u1eddi mua nh\u00e0, m\u00e0 ch\u00ednh h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh c\u0169ng ph\u1ea3i \u0111\u1ed1i di\u1ec7n r\u1ee7i ro.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi VietnamFinance, <\/em>Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a>,<\/em><\/strong> Gi\u00e1m \u0111\u1ed1c <\/em><\/strong>C\u00f4ng ty Lu\u1eadt<\/em><\/strong><\/a> ANVI<\/em><\/strong><\/a><\/span>, <\/em><\/strong>Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em><\/strong>, nh\u00ecn nh\u1eadn r\u1eb1ng b\u1ea3n ch\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng gi\u1eefa Novareal v\u00e0 kh\u00e1ch h\u00e0ng l\u00e0 thi\u1ebft l\u1eadp h\u1ee3p \u0111\u1ed3ng mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ch\u1ec9 l\u00e0 \u0111\u01b0\u1ee3c l\u00e1ch qua c\u00e1c ch\u1ee7 th\u1ec3 v\u00e0 giao d\u1ecbch kh\u00e1c. To\u00e0 \u00e1n \u0111\u00e3 x\u00e1c \u0111\u1ecbnh \u0111\u00e2y ch\u00ednh l\u00e0 h\u00e0nh vi vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ea5m c\u1ee7a lu\u1eadt khi b\u00e1n nh\u00e0 ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ph\u00e1p l\u00fd.<\/em><\/h5>\n

Theo v\u1ecb lu\u1eadt s\u01b0, b\u1ea3n \u00e1n v\u1eeba qua l\u00e0 h\u1ed3i chu\u00f4ng c\u1ea3nh b\u00e1o cho t\u00ecnh tr\u1ea1ng \u0111\u00e3 k\u00e9o d\u00e0i nhi\u1ec1u n\u0103m tr\u00ean th\u1ecb tr\u01b0\u1eddng. V\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, n\u1ebfu kh\u00f4ng c\u00f3 giao d\u1ecbch mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec kh\u00e1ch h\u00e0ng c\u0169ng kh\u00f4ng c\u00f3 nhu c\u1ea7u vay v\u1ed1n ng\u00e2n h\u00e0ng. V\u00ec v\u1eady, h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n ch\u1ec9 l\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u1ee5, trong khi h\u1ee3p \u0111\u1ed3ng mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u1edbi l\u00e0 h\u1ee3p \u0111\u1ed3ng ch\u00ednh. Khi h\u1ee3p \u0111\u1ed3ng ch\u00ednh b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u v\u00ec tr\u00e1i lu\u1eadt, th\u00ec h\u1ee3p \u0111\u1ed3ng ph\u1ee5, t\u1ee9c h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n, \u0111\u01b0\u01a1ng nhi\u00ean c\u0169ng ch\u1ea5m d\u1ee9t theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 405 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/em><\/span><\/p>\n

\u201cN\u1ebfu \u0111\u00fang l\u00e0 h\u1ee3p \u0111\u1ed3ng m\u00f4i gi\u1edbi hay h\u1ee3p \u0111\u1ed3ng \u0111\u1eb7t c\u1ecdc mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ho\u1ea1t \u0111\u1ed9ng \u0111\u00f3. C\u00f2n n\u1ebfu to\u00e0 \u00e1n c\u00f3 \u0111\u1ee7 c\u0103n c\u1ee9 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng m\u00f4i gi\u1edbi hay \u201cth\u1ecfa thu\u1eadn \u0111\u1eb7t c\u1ecdc\u201d th\u1ef1c ch\u1ea5t v\u1eabn l\u00e0 m\u1ed9t giao d\u1ecbch mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec s\u1ebd tr\u1edf th\u00e0nh h\u1ee3p \u0111\u1ed3ng tr\u00e1i lu\u1eadt.<\/em><\/span><\/p>\n

“Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u00e2n h\u00e0ng cho vay kh\u00f4ng tr\u1ef1c ti\u1ebfp vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a lu\u1eadt, nh\u01b0ng \u0111\u00e3 vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 8.2, Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN, \u0111\u00f3ng vai tr\u00f2 trung gian ti\u1ebfp s\u1ee9c cho h\u00e0nh vi sai ph\u1ea1m, khi\u1ebfn r\u1ee7i ro ph\u00e1p l\u00fd lan sang c\u1ea3 h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng\u201d \u2013 \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/span><\/p>\n

Ngo\u00e0i ra, v\u1ecb lu\u1eadt s\u01b0 cho r\u1eb1ng nh\u1eefng h\u1ee3p \u0111\u1ed3ng d\u1ea1ng n\u00e0y ch\u1ec9 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u khi c\u00f3 tranh ch\u1ea5p v\u00e0 \u0111\u01b0\u1ee3c \u0111\u01b0a ra t\u00f2a \u00e1n. C\u00f2n n\u1ebfu c\u00e1c b\u00ean \u201cl\u1eb7ng l\u1ebd\u201d th\u1ef1c hi\u1ec7n, giao d\u1ecbch v\u1eabn c\u1ee9 di\u1ec5n ra, th\u1eadm ch\u00ed \u1edf m\u1ed9t kh\u00eda c\u1ea1nh n\u00e0o \u0111\u00f3 c\u00f2n \u0111\u01b0\u1ee3c xem l\u00e0 \u201cc\u00f3 l\u1ee3i\u201d cho d\u00f2ng v\u1ed1n \u0111\u1ea7u t\u01b0 v\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh. N\u00f4m na, n\u1ebfu l\u1ee1 l\u00e0m sai m\u00e0 ch\u1ea5p nh\u1eadn h\u1eadu qu\u1ea3, kh\u00f4ng b\u1eaft ng\u01b0\u1eddi kh\u00e1c ph\u1ea3i g\u00e1nh ch\u1ecbu, th\u00ec ch\u1ec9 l\u00e0 chuy\u1ec7n \u201cqu\u00e2n t\u1eed\u201d d\u00e1m l\u00e0m d\u00e1m ch\u1ecbu, \u0111\u00f3ng c\u1eeda b\u1ea3o nhau.<\/em><\/span><\/p>\n

Tuy nhi\u00ean, <\/em><\/span>Lu\u1eadt s\u01b0 <\/em><\/strong><\/a>\u0110\u1ee9c <\/em><\/strong><\/a>nh\u1ea5n m\u1ea1nh, trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y, th\u01b0\u1eddng c\u00e1c b\u00ean \u0111\u1ec1u bi\u1ebft m\u00ecnh l\u00e0m \u0111\u00fang hay sai, nh\u01b0ng \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ea5p v\u1ed1n cho kh\u00e1ch h\u00e0ng, m\u00e0 th\u1ef1c ch\u1ea5t l\u00e0 cho d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n huy \u0111\u1ed9ng v\u1ed1n, th\u00ec ng\u00e2n h\u00e0ng bi\u1ebft r\u00f5 nh\u1ea5t.<\/em><\/span><\/p>\n

T\u1ea5t nhi\u00ean, \u00f4ng \u0110\u1ee9c c\u0169ng cho r\u1eb1ng l\u1ed7i kh\u00f4ng ch\u1ec9 \u0111\u1ebfn t\u1eeb ng\u00e2n h\u00e0ng, ch\u1ee7 \u0111\u1ea7u t\u01b0 hay b\u00ean m\u00f4i gi\u1edbi, \u0111\u1ea1i l\u00fd, u\u1ef7 quy\u1ec1n. Ng\u01b0\u1eddi mua nh\u00e0, trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, bi\u1ebft r\u00f5 r\u1ee7i ro, sai tr\u00e1i nh\u01b0ng v\u1eabn \u201ct\u1eb7c l\u01b0\u1ee1i\u201d tham gia v\u00ec l\u1ee3i \u00edch c\u1ee7a m\u00ecnh.<\/em><\/span><\/p>\n

\u201cC\u00f3 l\u1ebd, kh\u00f4ng ai \u0111\u00fang h\u1ebft c\u1ea3, nh\u01b0ng n\u1ebfu kh\u00e1ch h\u00e0ng sai m\u1ed9t th\u00ec ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u00e2n h\u00e0ng sai m\u01b0\u1eddi\u201d – \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/span><\/h5>\n

Theo v\u1ecb lu\u1eadt s\u01b0, trong h\u1ea7u h\u1ebft c\u00e1c v\u1ee5 vi\u1ec7c t\u01b0\u01a1ng t\u1ef1, c\u00e1c b\u00ean m\u00f4i gi\u1edbi th\u01b0\u1eddng c\u0169ng l\u00e0 \u201cc\u00e1nh tay n\u1ed1i d\u00e0i\u201d c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0, \u0111\u1ec1u c\u00f3 s\u1ef1 li\u00ean k\u1ebft ch\u1eb7t ch\u1ebd trong chu\u1ed7i \u0111\u1ea7u t\u01b0, g\u1ecdi v\u1ed1n, cho vay, b\u00e1n h\u00e0ng.<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c ch\u1ec9 ra, c\u00e1c ng\u00e2n h\u00e0ng \u201ckh\u00f4ng h\u1ec1 v\u00f4 t\u00ecnh tr\u1edf th\u00e0nh n\u1ea1n nh\u00e2n\u201d, m\u00e0 lu\u00f4n bi\u1ebft v\u00e0 lu\u1eadt b\u1eaft ph\u1ea3i bi\u1ebft \u0111\u1ed3ng v\u1ed1n c\u1ee7a m\u00ecnh \u0111i \u0111\u00e2u, v\u1ec1 \u0111\u00e2u, c\u00f3 \u0111i \u0111\u01b0\u1eddng th\u1eb3ng hay ch\u1ea1y \u0111\u01b0\u1eddng v\u00f2ng. \u201cN\u1ebfu kh\u00f4ng b\u1eaft tay v\u1edbi ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng d\u1ec5 g\u00ec gi\u1ea3i ng\u00e2n v\u00e0 thu n\u1ee3. V\u00e0 khi \u0111\u00e3 ch\u1ee7 \u0111\u1ed9ng l\u00e0m th\u00ec bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn r\u1ee7i ro, kh\u00f4ng ch\u1ed1i b\u1ecf \u0111\u01b0\u1ee3c tr\u00e1ch nhi\u1ec7m\u201d – \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

V\u1edbi m\u1ed9t ng\u00e0nh \u0111\u01b0\u1ee3c xem l\u00e0 l\u0129nh v\u1ef1c b\u00e0i b\u1ea3n, chuy\u00ean nghi\u1ec7p v\u00e0 uy t\u00edn r\u1ea5t cao, th\u00ec ph\u00e1p lu\u1eadt v\u00e0 th\u1ecb tr\u01b0\u1eddng c\u0169ng \u0111\u00f2i h\u1ecfi nhi\u1ec1u h\u01a1n \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, ch\u1ee9 kh\u00f4ng \u0111\u01a1n gi\u1ea3n ch\u1ea5p nh\u1eadn t\u00ecnh tr\u1ea1ng b\u1ea3o l\u00e3nh ph\u1ee7i tay, m\u1ea5t ti\u1ec1n c\u0169ng ph\u1ee7i tay hay cho vay sai ph\u00e1p lu\u1eadt, g\u00e2y m\u00e9o m\u00f3 cung \u2013 c\u1ea7u th\u1ecb tr\u01b0\u1eddng v\u00e0 thi\u1ec7t h\u1ea1i cho kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

Do \u0111\u00f3, \u1edf c\u00e1c v\u1ee5 vi\u1ec7c t\u01b0\u01a1ng t\u1ef1, to\u00e0 \u00e1n c\u1ea7n x\u00e9t x\u1eed theo c\u00f4ng l\u00fd, theo l\u1ebd ph\u1ea3i, c\u00f4ng b\u1eb1ng, theo \u0111\u00fang b\u1ea3n ch\u1ea5t c\u1ee7a s\u1ef1 vi\u1ec7c, kh\u00f4ng ch\u1ec9 d\u1eebng \u1edf nh\u1eefng \u0111i\u1ec1u kho\u1ea3n, c\u00e2u ch\u1eef m\u1eadp m\u1edd, kh\u00f4n kh\u00e9o trong h\u1ee3p \u0111\u1ed3ng.<\/em><\/p>\n

C\u00f9ng c\u00e2u ch\u1eef t\u01b0\u01a1ng t\u1ef1 nh\u01b0 nhau, nh\u01b0ng c\u00e1i kh\u00f3 v\u00e0 c\u00e1i hay c\u1ee7a to\u00e0 \u00e1n l\u00e0 ph\u1ea3i quy \u0111\u01b0\u1ee3c v\u1ec1 b\u1ea3n ch\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng, \u0111\u00e2u l\u00e0 quan h\u1ec7 mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 \u0111\u00e2u l\u00e0 giao d\u1ecbch m\u00f4i gi\u1edbi; \u0111\u00e2u l\u00e0 ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc v\u00e0 \u0111\u00e2u l\u00e0 ti\u1ec1n cho vay, \u0111\u00e2u l\u00e0 th\u1ecfa thu\u1eadn \u0111\u1eb7t c\u1ecdc \u0111\u1ec3 k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u00e0 \u0111\u00e2u l\u00e0 kho\u1ea3n ti\u1ec1n \u0111\u1ec3 ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng ch\u01b0a k\u00fd; \u0111\u00e2u l\u00e0 kho\u1ea3n ti\u1ec1n kh\u00e1ch h\u00e0ng \u0111\u00e3 tr\u1ea3 (v\u00e0 ph\u1ea3i tr\u1ea3) cho b\u00ean m\u00f4i gi\u1edbi v\u00e0 \u0111\u00e2u l\u00e0 kho\u1ea3n ti\u1ec1n \u0111\u00e3 tr\u1ea3 (v\u00e0 ph\u1ea3i tr\u1ea3) cho ch\u1ee7 \u0111\u1ea7u t\u01b0; \u0111\u00e2u l\u00e0 l\u1ed7i c\u1ee7a b\u00ean vay v\u00e0 \u0111\u00e2u l\u00e0 l\u1ed7i c\u1ee7a ng\u00e2n h\u00e0ng; \u0111\u00e2u l\u00e0 m\u1ed7i c\u1ee7a b\u00ean mua, c\u1ee7a b\u00ean m\u00f4i gi\u1edbi v\u00e0 \u0111\u00e2u l\u00e0 l\u1ed7i c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0, b\u00ean ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n.<\/em><\/p>\n

L\u00ea T\u00e2m<\/strong><\/p>\n

—————<\/p>\n

VietnamFinance (B\u1ea5t<\/em><\/strong> \u0111\u1ed9ng s\u1ea3n<\/em><\/strong>) ng\u00e0y <\/em><\/strong>28-10<\/em><\/strong>-202<\/em><\/strong>5<\/em><\/strong>:<\/em><\/strong><\/p>\n

https:\/\/vietnamfinance.vn\/vay-thanh-toan-dat-coc-bds-cong-ty-moi-gioi-va-chu-dau-tu-sai-ngan-hang-cung-co-phan-sai-d134748.html<\/a><\/em><\/p>\n

(<\/em>1.018\/2.286<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Vay v\u1ed1n \u0111\u1eb7t c\u1ecdc B\u0110S: \u2018C\u00f4ng ty m\u00f4i gi\u1edbi v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 sai, ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng \u0111\u00fang\u2019. 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\u201cB\u1ea3n \u00e1n v\u1eeba r\u1ed3i n\u1ebfu \u0111\u01b0\u1ee3c c\u1ea5p ph\u00fac th\u1ea9m ch\u1ea5p nh\u1eadn, th\u00ec c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem nh\u01b0 m\u1ed9t ‘\u00e1n l\u1ec7’, t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng. V\u00ec tranh ch\u1ea5p l\u1ee3i \u00edch \u0111\u1ed1i l\u1eadp, n\u00ean c\u00e1i l\u1ee3i c\u1ee7a b\u00ean n\u00e0y s\u1ebd l\u00e0 c\u00e1i h\u1ea1i c\u1ee7a b\u00ean kia trong b\u1ea3n \u00e1n, nh\u01b0ng th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd thay \u0111\u1ed5i theo chi\u1ec1u h\u01b0\u1edbng th\u1ef1c ch\u1ea5t, t\u00edch c\u1ef1c v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n\u201d \u2013 Lu\u1eadt s\u01b0 <\/strong><\/a>\u0110\u1ee9c<\/strong><\/a> nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n