{"id":4934,"date":"2012-01-20T00:13:17","date_gmt":"2012-01-19T17:13:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4934"},"modified":"2024-11-04T17:02:37","modified_gmt":"2024-11-04T10:02:37","slug":"150-bi-kich-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/150-bi-kich-tin-dung-den\/","title":{"rendered":"150. Bi k\u1ecbch t\u00edn d\u1ee5ng \u0111en."},"content":{"rendered":"

Bi k\u1ecbch t\u00edn d\u1ee5ng \u0111en.<\/span><\/h4>\n
(DTCK) – N\u0103m 2011 \u0111\u00e3 cu\u1ed1n tung h\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m t\u1ef7 \u0111\u1ed3ng t\u1eeb m\u1ed9t lo\u1ea1t v\u1ee5 v\u1ee1 n\u1ee3 t\u00edn d\u1ee5ng \u0111en. Bi k\u1ecbch t\u00edn d\u1ee5ng \u0111en tr\u00e0n lan t\u1eeb b\u1eafc v\u00f4 nam, t\u1eeb qu\u00ea ngh\u00e8o \u0111\u1ebfn ph\u1ed1 l\u1edbn trong \u0111\u00f3 vay m\u01b0\u1ee3n l\u00e0 k\u1ecbch b\u1ea3n, ph\u00e1p lu\u1eadt l\u00e0 s\u00e2n kh\u1ea5u, d\u00e2n ch\u00fang l\u00e0 kh\u00e1n gi\u1ea3, c\u00f2n ch\u1ee7 n\u1ee3 v\u00e0 con n\u1ee3 l\u00e0 \u0111\u1ea1o di\u1ec5n ki\u00eam di\u1ec5n vi\u00ean. <\/em><\/strong><\/h5>\n
K\u1ecbch b\u1ea3n<\/strong><\/h5>\n

Tr\u0103m ng\u00e0n th\u1ee9 nhu c\u1ea7u c\u1ea7n \u0111\u1ebfn v\u1ed1n: Tr\u1ea3 n\u1ee3, kinh doanh, mua s\u1eafm, h\u1ecdc h\u00e0nh, ch\u1eefa b\u1ec7nh,\u2026 Nh\u01b0ng kh\u00f4ng d\u1ec5 g\u00ec ki\u1ebfm \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n, nh\u1ea5t l\u00e0 v\u1ed1n vay ng\u00e2n h\u00e0ng trong th\u1eddi k\u1ef3 kh\u1ee7ng ho\u1ea3ng kinh t\u1ebf, l\u1ea1m ph\u00e1t l\u1edbn, l\u00e3i su\u1ea5t cao, \u0111i\u1ec1u ki\u1ec7n cho vay ch\u1eb7t ch\u1ebd, gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng b\u1ecb si\u1ebft ch\u1eb7t. \u0110\u1ec3 gi\u1ea3i to\u1ea3 c\u01a1n kh\u00e1t v\u1ed1n t\u1ed9t \u0111\u1ec9nh, bu\u1ed9c ph\u1ea3i vay m\u01b0\u1ee3n tung lung v\u00e0 \u0111\u00f3 l\u00e0 l\u00fd do d\u1eabn \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en b\u00f9ng ph\u00e1t.<\/p>\n

Kh\u00f4ng ph\u1ea3i c\u1ee9 l\u00e3i cao l\u00e0 t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng t\u00edn d\u1ee5ng \u0111en lu\u00f4n \u0111i li\u1ec1n v\u1edbi l\u00e3i su\u1ea5t cao, ngu\u1ed3n c\u01a1n l\u00e0 l\u1ee3i su\u1ea5t cao. \u0110\u1ea7u ti\u00ean l\u00e0 con m\u1ed3i si\u00eau l\u00e3i d\u1eabn d\u1ee5 \u0111\u1ec3 gom v\u1ed1n, th\u01b0\u1eddng l\u00e0 d\u0103m b\u1ea3y ch\u1ee5c ph\u1ea7n tr\u0103m m\u1ed7i n\u0103m. Kh\u00f4ng \u00edt kh\u1ed5 ch\u1ee7 \u0111\u00e3 m\u00f3c s\u1ea1ch h\u1ea7u bao, th\u1eadm ch\u00ed b\u00e1n ho\u1eb7c th\u1ebf ch\u1ea5p nh\u00e0 c\u1eeda vay v\u1ed1n ng\u01b0\u1eddi kh\u00e1c \u0111\u1ec3 cho vay l\u1ea1i. Cu\u1ed1i c\u00f9ng tay tr\u1eafng v\u00ec ham, v\u00ec d\u1ea1i, v\u00ec nh\u1eb9 d\u1ea1, c\u1ea3 tin tr\u01b0\u1edbc nh\u1eefng m\u00f3n l\u1ee3i nho nh\u1ecf tr\u01b0\u1edbc m\u1eaft, nh\u1eefng l\u1eddi h\u1ee9a h\u1eb9n h\u01b0\u01a1u v\u01b0\u1ee3n v\u1ec1 ti\u1ec1n b\u1ea1c, h\u00e0ng ho\u00e1, d\u1ef1 \u00e1n ho\u00e0nh tr\u00e1ng.<\/p>\n

Qua v\u00e0i l\u1edbp k\u1ecbch, l\u00e3i ng\u00e0y m\u1ed9t cao h\u01a1n, \u0111\u1ebfn l\u1edbp di\u1ec5n vi\u00ean ph\u1ea3i \u0111i vay v\u1ed1n cu\u1ed1i c\u00f9ng, th\u00ec l\u00e3i l\u00ean \u0111\u1ec9nh \u0111i\u1ec3m, r\u1ebb th\u00ec v\u00e0i ngh\u00ecn, \u0111\u1eaft th\u00ec t\u1edbi c\u1ea3 ch\u1ee5c ng\u00e0n \u0111\u1ed3ng\/tri\u1ec7u\/ng\u00e0y tr\u1edf l\u00ean, t\u1ee9c t\u1eeb 100-200% \u0111\u1ebfn 300-400%\/n\u0103m. Ng\u01b0\u1eddi vay th\u1eadt s\u1ef1 kh\u00f4ng l\u00e0m g\u00ec, l\u1ea5y g\u00ec ra \u0111\u1ec3 tr\u1ea3 \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i kh\u1ee7ng khi ph\u1ea3i vay t\u00edn d\u1ee5ng \u0111en. V\u00ec v\u1eady, nguy c\u01a1 \u0111\u1ed5 v\u1edf ch\u1ec9 c\u00f2n l\u00e0 ng\u00e0y th\u00e1ng. V\u00e0 ch\u1ec9 c\u1ea7n m\u1ed9t m\u1eaft x\u00edch v\u1ee1 n\u1ee3 l\u00e0 \u0111\u1ee7 \u0111\u1ec3 s\u1ee5p \u0111\u1ed5 c\u1ea3 \u0111\u01b0\u1eddng d\u00e2y t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Nh\u01b0ng kh\u00f4ng ch\u1ec9 c\u00f3 l\u00e3i cao, song h\u00e0nh c\u1ea5u th\u00e0nh n\u00ean t\u00edn d\u1ee5ng \u0111en c\u00f2n ph\u1ea3i k\u00e8m theo y\u1ebfu t\u1ed1 kh\u00f4ng s\u1ea1ch v\u00e0 thi\u1ebfu minh b\u1ea1ch, r\u00f5 r\u00e0ng. T\u00edn d\u1ee5ng \u0111en lu\u00f4n l\u00f2ng v\u00f2ng, chuy\u1ec1n qua nhi\u1ec1u di\u1ec5n vi\u00ean, kh\u00f4ng bi\u1ebft vay \u0111\u1ec3 l\u00e0m g\u00ec, kh\u00f4ng bi\u1ebft l\u1ea5y g\u00ec ra m\u00e0 tr\u1ea3 l\u00e3i, lu\u00f4n \u0111i \u0111\u00f4i v\u1edbi giang h\u1ed3 x\u00e3 h\u1ed9i \u0111en, m\u1edd \u00e1m, l\u1eeba \u0111\u1ea3o, \u0111e do\u1ea1, h\u00e0nh hung, c\u01b0\u1ee1ng b\u1ee9c, b\u1ea1o l\u1ef1c.<\/p>\n

Kh\u00f3 tr\u00e1nh kh\u1ecfi c\u00f3 c\u1ea3 ti\u1ec1n v\u1ed1n ng\u00e2n h\u00e0ng ch\u1ea1y v\u00e0o t\u00edn d\u1ee5ng \u0111en v\u00e0 ng\u01b0\u1ee3c l\u1ea1i, trong \u0111\u00f3 kh\u00f4ng \u00edt di\u1ec5n vi\u00ean nh\u00e0 b\u0103ng \u0111\u00e3 n\u1ed1i gi\u00e1o cho gi\u1eb7c: Tr\u1ed9n l\u1eabn c\u1ea3 k\u1ecbch b\u1ea3n v\u00e0 vai di\u1ec5n th\u1eadt gi\u1ea3 \u0111\u1ec3 vay v\u1ed1n \u0111\u1ea3o n\u1ee3, vay h\u1ed9, vay k\u00e9, vay ti\u1ec1n m\u1ed3i, vay \u0111\u1ec3 cho vay l\u1ea1i, \u0111\u1ec3 l\u1ea5p li\u1ebfm t\u1ea1m th\u1eddi s\u1ef1 \u0111\u1ed5 v\u1ee1.<\/p>\n

Ng\u01b0\u1eddi m\u1ea5t ti\u1ec1n do ph\u1ea1m v\u00e0o l\u1eddi nguy\u1ec1n c\u1ee7a quy lu\u1eadt nguy c\u01a1 t\u0103ng theo l\u00e3i su\u1ea5t \u0111\u00e3 \u0111\u00e0nh, ti\u1ebfc cho nhi\u1ec1u di\u1ec5n vi\u00ean b\u1ea5t \u0111\u1eafc d\u0129, kh\u00f4ng v\u00ec ham l\u00e3i cao, ch\u1eb3ng nh\u1eb1m h\u01b0\u1edfng l\u1ee3i l\u1edbn, th\u1ebf nh\u01b0ng v\u1eabn b\u1ecb k\u00e9o v\u00e0o v\u00f2ng quay t\u00edn d\u1ee5ng \u0111en. \u0110\u1eb7c bi\u1ec7t \u0111\u00e1ng ti\u1ebfc tr\u01b0\u1edbc bi k\u1ecbch c\u1ee7a \u0111au con s\u00f3t, m\u1ed9t s\u1ed1 ch\u1ee7 n\u1ee3 c\u00f2n m\u1ea5t th\u00eam ti\u1ec1n thu\u00ea m\u01b0\u1edbn ng\u01b0\u1eddi \u0111\u00f2i n\u1ee3 h\u00f2ng g\u1ee1 g\u1ea1c ph\u1ea7n n\u00e0o. V\u00e0 kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p t\u1ef1 bi\u1ebfn m\u00ecnh t\u1eeb ch\u1ee7 n\u1ee3 th\u00e0nh t\u1ed9i \u0111\u1ed3, t\u1eeb b\u1ecb h\u1ea1i th\u00e0nh b\u1ecb c\u00e1o, ti\u1ec1n m\u1ea5t, t\u1eadt mang b\u1edfi ch\u00f3t thu\u00ea nh\u1eefng nh\u00e2n v\u1eadt ph\u1ea3n di\u1ec7n c\u1ed9m c\u00e1n b\u1eaft gi\u1eef, c\u01b0\u1ee1ng \u0111o\u1ea1t tr\u00e1i ph\u00e9p t\u00e0i s\u1ea3n c\u1ee7a con n\u1ee3.<\/p>\n

Di\u1ec5n vi\u00ean <\/strong><\/h5>\n

C\u00f3 3 nh\u00f3m di\u1ec5n vi\u00ean tham gia v\u00e0o v\u1edf k\u1ecbch t\u00edn d\u1ee5ng \u0111en, \u0111\u00f3 l\u00e0 nh\u00f3m ng\u01b0\u1eddi cho vay \u0111\u1ea7u ti\u00ean, nh\u00f3m ng\u01b0\u1eddi \u0111i vay cu\u1ed1i c\u00f9ng v\u00e0 nh\u00f3m ng\u01b0\u1eddi trung gian, \u0111i vay \u0111\u1ec3 cho vay l\u1ea1i. Nh\u00f3m \u0111\u1ea7u v\u00e0 cu\u1ed1i ch\u1ee7 y\u1ebfu v\u00e0o vai n\u1ea1n nh\u00e2n. Nh\u00f3m gi\u1eefa th\u01b0\u1eddng s\u1eafm vai \u0111\u1ea1o di\u1ec5n ki\u00eam di\u1ec5n vi\u00ean, v\u1eeba l\u00e0 n\u1ea1n nh\u00e2n v\u1eeba l\u00e0 th\u1ee7 ph\u1ea1m.<\/p>\n

Nh\u00f3m cho vay \u0111\u1ea7u ti\u00ean, t\u1eeba t\u1ef1a nh\u01b0 nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n. Nh\u01b0ng \u0111\u1ea7u t\u01b0 ki\u1ec3u n\u00e9m nh\u1ea7m t\u1ea5t c\u1ea3 tr\u1ee9ng v\u00e0o m\u1ed9t gi\u1ecf ch\u1ee9ng kho\u00e1n, d\u1ed1c h\u1ebft c\u1ee7a n\u1ea3, nh\u00e0 c\u1eeda v\u00e0o canh b\u1ea1c t\u00edn d\u1ee5ng ngo\u00e0i lu\u1ed3ng. L\u00e3i su\u1ea5t 10-20%\/n\u0103m, ng\u01b0\u1eddi ta ch\u1ec9 mu\u1ed1n g\u1eedi ng\u00e2n h\u00e0ng. L\u00e3i su\u1ea5t 30-40%\/n\u0103m, ng\u01b0\u1eddi ta d\u1ec5 d\u00e0ng g\u1eedi tr\u1ee9ng ra ngo\u00e0i. C\u00f2n l\u00e3i su\u1ea5t t\u1edbi 50-60% tr\u1edf l\u00ean, th\u00ec thi\u00ean h\u1ea1 r\u1ea5t d\u1ec5 g\u1eedi tr\u1ee9ng cho \u00e1c, nh\u01b0 th\u1ec3 b\u1ecb ma l\u1ee3i nhu\u1eadn \u0111\u01b0a l\u1ed1i, qu\u1ef7 l\u00e3i su\u1ea5t d\u1eabn \u0111\u01b0\u1eddng. Nh\u00e0 \u0111\u1ea7u t\u01b0 ki\u1ebfm \u0111\u01b0\u1ee3c ch\u00fat l\u00e3i cao nh\u01b0 trong c\u01a1n say ch\u1ee9ng kho\u00e1n, kh\u00f4ng nh\u1eefng t\u1ef1 huy\u1ec5n ho\u1eb7c m\u00ecnh nh\u1eadp vai m\u00e0 c\u00f2n nhi\u1ec7t t\u00ecnh l\u00f4i k\u00e9o nhi\u1ec1u di\u1ec5n vi\u00ean \u0111\u00f3ng th\u1ebf, trong \u0111\u00f3 lu\u00f4n \u201c\u01b0u ti\u00ean\u201d nh\u1eefng ng\u01b0\u1eddi th\u00e2n th\u00edch.<\/p>\n

Nh\u00f3m \u0111i vay cu\u1ed1i c\u00f9ng, l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n, nh\u01b0ng c\u0169ng lu\u00f4n l\u00e0 di\u1ec5n vi\u00ean b\u1ecb l\u1ee3i d\u1ee5ng, b\u1ecb b\u00f3c l\u1ed9t n\u1eb7ng n\u1ec1. H\u1ecd th\u01b0\u1eddng r\u01a1i v\u00e0o ho\u00e0n c\u1ea3nh b\u00ed b\u00e1ch, b\u1ecb th\u00fac \u00e9p ph\u1ea3i vay v\u1edbi l\u00e3i su\u1ea5t cao ch\u00f3t v\u00f3t, l\u00e3i \u0111\u01a1n \u0111\u00e3 cao, c\u00f2n ph\u1ea3i tr\u1ea3 th\u00eam l\u00e3i k\u00e9p, l\u00e3i m\u1eb9 \u0111\u00e3 kinh, c\u00f2n ph\u1ea3i g\u00e1nh c\u1ea3 l\u00e3i con. S\u1ee9c n\u00e0o, l\u00e0m \u0103n, bu\u00f4n b\u00e1n c\u00e1i g\u00ec \u0111\u1ec3 ch\u1ecbu \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t l\u00ean t\u1edbi ba con s\u1ed1? Sau khi c\u1ea5u x\u00e9n ch\u1ed7 n\u1ecd h\u00f2ng v\u00e1 v\u00edu, \u0111\u1eafp \u0111i\u1ebfm ch\u1ed7 kh\u00e1c c\u1ea7m c\u1ef1 v\u00e0i h\u1ed3i, \u0111\u00e0nh h\u1ea1 m\u00e0n, r\u0169 vai, m\u1eb7c cho v\u1ee1 k\u1ecbch.<\/p>\n

Nh\u00f3m trung gian, \u0103n hai mang, l\u00e0 ch\u1ee7 n\u1ee3 ki\u00eam con n\u1ee3, s\u1eafm c\u1ea3 hai vai \u0111\u1ea1o di\u1ec5n l\u1eabn di\u1ec5n vi\u00ean. Trung gian nh\u01b0ng kh\u00f4ng nh\u01b0 m\u00f4i gi\u1edbi ch\u1ee9ng kho\u00e1n, m\u00e0 \u0111\u00f3ng vai ng\u00e2n h\u00e0ng, t\u1ea5t nhi\u00ean l\u00e0 bu\u00f4n ti\u1ec1n v\u00f4 ph\u00e9p. Nh\u00f3m n\u00e0y l\u00e0 khung s\u01b0\u1eddn d\u1ef1ng l\u00ean qu\u00e1i k\u1ecbch t\u00edn d\u1ee5ng \u0111en, chuy\u00ean ngh\u1ec1 th\u1ea3 con s\u0103n s\u1eaft, b\u1eaft con c\u00e1 r\u00f4. H\u1ecd d\u00f9ng m\u1ecdi t\u00e0i ngh\u1ec7 gom ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi n\u00e0y \u0111\u1ec3 chuy\u1ec3n cho ng\u01b0\u1eddi kh\u00e1c vay l\u1ea1i, \u1edf gi\u1eefa ki\u1ebfm c\u00e1t s\u00ea v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m. M\u1ed3i nh\u1eed gom ti\u1ec1n lu\u00f4n lu\u00f4n ch\u1ec9 l\u00e0 l\u00e3i su\u1ea5t cao, \u0111\u01b0\u1ee3c ngu\u1ef5 trang kh\u00e9o l\u00e9o \u0111\u1ec3 l\u1eeba con m\u1ed3i. \u0110\u1ec3 l\u1eeba ph\u1ec9nh c\u00e1 c\u1eafn c\u00e2u, nh\u1eefng vai k\u00e9p n\u00e0y th\u01b0\u1eddng \u00e1p d\u1ee5ng ngh\u1ec7 thu\u1eadt bi\u1ec3u di\u1ec5n gi\u1ed1ng nhau l\u00e0 mua l\u00f2ng tin b\u1eb1ng vai di\u1ec5n s\u1ed1ng \u0111\u1ed9ng: T\u1eadu nh\u00e0, xe \u0111\u1eaft ti\u1ec1n; mua s\u1eafm \u0111\u1ed3 d\u00f9ng, trang s\u1ee9c qu\u00fd gi\u00e1 gi\u1ea7u c\u00f3; tr\u1ea3 l\u00e3i s\u00f2ng ph\u1eb3ng; th\u1ec3 hi\u1ec7n \u0111\u1eb3ng c\u1ea5p. K\u1ebft qu\u1ea3, n\u1ea1n nh\u00e2n b\u1ecb \u0111\u00e1nh l\u1eeba con \u0111en, lo\u00e1 m\u1eaft v\u1edbi th\u1ef1c t\u1ebf \u1ea3o, n\u00e9m ti\u1ec1n v\u00e0o canh b\u1ea1c.<\/p>\n

C\u00e0ng \u0111\u00f4ng nh\u00e2n v\u1eadt, c\u00e0ng d\u1ea7y l\u1edbp lang \u0111\u01b0\u1eddng d\u00e2y, c\u00e0ng l\u1eafm cao tr\u00e0o l\u00e3i su\u1ea5t, th\u00ec c\u00e0ng nhi\u1ec1u k\u1ecbch t\u00ednh v\u00e0 t\u1ea5t y\u1ebfu \u0111\u01b0a k\u1ecbch b\u1ea3n t\u00edn d\u1ee5ng \u0111en \u0111\u1ebfn h\u1ed3i v\u1ee1 n\u1ee3, t\u1ee9c ph\u00e1 s\u1ea3n ngo\u00e0i v\u00f2ng ph\u00e1p lu\u1eadt. Th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, t\u00edn d\u1ee5ng v\u00e0 nh\u00e0 \u0111\u1ea5t bi \u0111\u00e1t n\u0103m qua kh\u00f4ng ph\u1ea3i l\u00e0 th\u1ee7 ph\u1ea1m, nh\u01b0ng l\u00e0 x\u00fac t\u00e1c \u0111\u1ed3ng lo\u1ea1t d\u1ed3n \u00e9p t\u00edn d\u1ee5ng \u0111en \u0111\u1ed5 b\u1ec3 c\u1ea5p t\u1eadp v\u00e0 n\u1eb7ng n\u1ec1 h\u01a1n.<\/p>\n

S\u00e2n kh\u1ea5u<\/strong><\/h5>\n

N\u1ebfu ph\u00e1p lu\u1eadt l\u00e0 s\u00e2n kh\u1ea5u di\u1ec5n tu\u1ed3ng, th\u00ec k\u1ecbch b\u1ea3n cho vay n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng di\u1ec5n v\u00e0 c\u1ea5m di\u1ec5n? Soi v\u00e0o \u00e1nh \u0111\u00e8n s\u00e2n kh\u1ea5u, l\u1ed9 ra b\u00ean c\u1ea1nh vi\u1ec7c cho vay m\u1ee9c l\u00e3i th\u1ea5p h\u01a1n huy \u0111\u1ed9ng c\u0169ng vi ph\u1ea1m ph\u00e1p lu\u1eadt, th\u00ec cho vay m\u1ee9c l\u00e3i ng\u1ea5t ng\u01b0\u1edfng c\u0169ng v\u1eabn kh\u00f4ng sai (!?). V\u1edbi t\u00edn d\u1ee5ng \u0111en, ph\u00e1p lu\u1eadt l\u1ea1i c\u00e0ng t\u00f9 m\u00f9 \u0111\u1ebfn m\u1ee9c b\u1ea5t l\u1ef1c, t\u1eeb ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng, kinh t\u1ebf, d\u00e2n s\u1ef1, h\u00e0nh ch\u00ednh cho \u0111\u1ebfn h\u00ecnh s\u1ef1.<\/p>\n

Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u201cnghi\u00eam c\u1ea5m c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng<\/em>\u201d, t\u1ee9c l\u00e0 ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n v\u00e0 cho vay. Nh\u01b0ng kh\u00f4ng c\u00f3 ranh gi\u1edbi n\u00e0o \u0111\u1ec3 ph\u00e2n bi\u1ec7t gi\u1eefa ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n h\u1ee3p ph\u00e1p v\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p l\u00e2u nay \u1edf ngo\u00e0i ng\u00e2n h\u00e0ng. Ri\u00eang l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec \u0111\u01b0\u1ee3c di\u1ec5n tr\u00ean s\u00e2n kh\u1ea5u ri\u00eang v\u00e0 vi ph\u1ea1m trong m\u1ea3ng n\u00e0y th\u00ec ch\u1ec9 c\u00f3 NHNN x\u1eed l\u00fd. Nh\u01b0ng x\u01b0a nay b\u1eaft ch\u1ea3 \u0111\u01b0\u1ee3c m\u1ea5y v\u1ee5 v\u00e0 ph\u1ea1t th\u00ec c\u0169ng m\u1edbi ch\u1ec9 v\u00e0i tr\u01b0\u1eddng h\u1ee3p.<\/p>\n

N\u1ebfu c\u1ee9 chi\u1ec3u \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec k\u1ecbch b\u1ea3n cho vay kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh, t\u1ee9c t\u1ed1i \u0111a 13,5%\/n\u0103m, trong khi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng danh ngh\u0129a c\u1ee7a ng\u00e2n h\u00e0ng trong n\u0103m qua \u0111\u00e3 l\u00e0 14%, c\u00f2n l\u00e3i su\u1ea5t th\u1ef1c ch\u1ea5t th\u00ec h\u1eb3n l\u00e0 cao h\u01a1n l\u1ea1m ph\u00e1t 18,58%. Neo m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n 9%\/n\u0103m, NHNN \u0111\u00e3 \u0111\u1ea9y g\u1ea7n nh\u01b0 100% c\u00e1c h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n \u1edf ngo\u00e0i ng\u00e2n h\u00e0ng v\u00e0o t\u00ecnh tr\u1ea1ng ph\u1ea1m lu\u1eadt. Vi ph\u1ea1m tr\u00e0n lan ngo\u00e0i s\u00e2n kh\u1ea5u ng\u00e2n h\u00e0ng, ch\u1ec9 khi c\u00f3 ki\u1ec7n c\u00e1o kinh t\u1ebf, d\u00e2n s\u1ef1 ra to\u00e0, m\u1edbi soi x\u00e9t ki\u1ec3m duy\u1ec7t g\u1ea1t b\u1ecf t\u00ecnh ti\u1ebft n\u00e0o v\u01b0\u1ee3t qu\u00e1 tr\u1ea7n l\u00e3i su\u1ea5t d\u00e2n s\u1ef1. \u0110\u01b0\u01a1ng nhi\u00ean ph\u00e1p lu\u1eadt bu\u1ed9c con n\u1ee3 c\u00f3 vay c\u00f3 tr\u1ea3, ch\u1ec9 c\u00f3 \u0111i\u1ec1u kh\u00f3 thu h\u1ed3i \u0111\u01b0\u1ee3c c\u00f4ng c\u1ee5 di\u1ec5n xu\u1ea5t quan tr\u1ecdng nh\u1ea5t l\u00e0 ti\u1ec1n b\u1ea1c, v\u00e0o l\u00fac bi k\u1ecbch v\u1ee1 n\u1ee3, ph\u00e1 s\u1ea3n \u0111\u00e3 h\u1ea1 m\u00e0n.<\/p>\n

V\u1ec1 h\u00e0nh ch\u00ednh, n\u1ebfu di\u1ec5n ra k\u1ecbch b\u1ea3n cho vay l\u00e3i cao g\u1ea5p v\u00e0i ba, th\u1eadm ch\u00ed c\u1ea3 ch\u1ee5c l\u1ea7n gi\u1edbi h\u1ea1n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec c\u0169ng ch\u1eb3ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t. V\u00ec ph\u00e1p lu\u1eadt h\u00e0nh ch\u00ednh ch\u01b0a c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t b\u1ea5t k\u1ef3 nh\u00e2n v\u1eadt n\u00e0o cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t.<\/p>\n

C\u00f2n B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 th\u00ec c\u00f3 m\u1ed9t \u0111i\u1ec1u lu\u1eadt \u0111\u00e8n \u0111\u1ecf d\u01b0\u1eddng nh\u01b0 ch\u1ec9 \u0111\u1ec3 h\u00f9 do\u1ea1 kh\u00e1n gi\u1ea3. M\u1ed9t ng\u01b0\u1eddi ch\u1ec9 c\u00f3 th\u1ec3 ph\u1ea1m v\u00e0o \u201cT\u1ed9i cho vay l\u00e3i n\u1eb7ng\u201d n\u1ebfu \u0111\u1ed3ng th\u1eddi vi ph\u1ea1m 2 \u0111i\u1ec1u ki\u1ec7n l\u00e0: \u201ccho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh t\u1eeb 10 l\u1ea7n tr\u1edf l\u00ean<\/em>\u201d v\u00e0 \u201cc\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t<\/em>\u201d. \u0110i\u1ec1u ki\u1ec7n th\u1ee9 hai ch\u1eb3ng d\u1ec5 ch\u1ee9ng minh, v\u00ec tr\u00ean s\u00e2n kh\u1ea5u t\u00edn d\u1ee5ng \u0111en, bi\u1ebft ai l\u00e0 di\u1ec5n vi\u00ean b\u00f3c l\u1ed9t chuy\u00ean nghi\u1ec7p? Ch\u1ec9 ri\u00eang \u0111i\u1ec1u ki\u1ec7n th\u1ee9 nh\u1ea5t c\u0169ng \u0111\u00e3 l\u00e0m cho ban gi\u00e1m kh\u1ea3o r\u01a1i v\u00e0o b\u1ebf t\u1eafc, v\u00ec bi\u1ebft \u0111\u00e2u l\u00e0 \u201cm\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh\u201d? Tr\u1ea7n 13,5%\/n\u0103m n\u00f3i tr\u00ean kh\u00f4ng th\u1ec3 coi l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t, v\u00ec ng\u00e2n h\u00e0ng vay c\u1ee7a d\u00e2n c\u00f2n 14%\/n\u0103m, r\u1ed3i cho nhau vay v\u00e0 cho kh\u00e1ch h\u00e0ng vay 40-50%\/n\u0103m hay cao h\u01a1n n\u1eefa c\u0169ng v\u1eabn r\u1ea5t h\u1ee3p ph\u00e1p kia m\u00e0. L\u00e3i su\u1ea5t cho vay giao d\u1ecbch k\u00fd qu\u1ef9 ch\u1ee9ng kho\u00e1n (margin) c\u0169ng s\u00e1nh vai c\u00f4ng di\u1ec5n c\u00f9ng ng\u00e2n h\u00e0ng. Ch\u01b0a k\u1ec3 \u0111\u1ebfn l\u00e3i su\u1ea5t c\u1ea7m \u0111\u1ed3, th\u00ec v\u1eabn m\u1eb7c \u0111\u1ecbnh cho ph\u00e9p cao h\u01a1n l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng 3-4 l\u1ea7n nh\u01b0 ph\u00e1p lu\u1eadt \u0111\u00e3 t\u1eebng quy \u0111\u1ecbnh trong su\u1ed1t nhi\u1ec1u n\u0103m tr\u01b0\u1edbc \u0111\u00e2y. V\u1eady n\u1ebfu cho r\u1eb1ng m\u1ed1c 135%\/n\u0103m l\u00e0 cho vay n\u1eb7ng l\u00e3i th\u00ec coi ch\u1eebng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 d\u00e2n s\u1ef1, g\u00e2y ra \u00e1n oan Th\u1ecb K\u00ednh?<\/p>\n

V\u00ec v\u1eady, c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt ch\u00f9n tay tr\u01b0\u1edbc nguy c\u01a1 x\u1eed ph\u1ea1t oan sai, e ng\u1ea1i \u0111\u01b0a ra truy t\u1ed1, x\u00e9t x\u1eed t\u1ed9i tr\u1ea1ng v\u00e0 ch\u1ec9 mu\u1ed1n \u0111\u1ea9y nh\u1eefng v\u1ee5 cho vay n\u1eb7ng l\u00e3i sang quan h\u1ec7 vay m\u01b0\u1ee3n d\u00e2n s\u1ef1. Th\u00e0nh th\u1eed, nh\u1eefng con n\u1ee3 n\u00e0y nghi\u1ec5m nhi\u00ean \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt \u00e2n x\u00e1, th\u1eadm ch\u00ed B\u1ed9 T\u00e0i ch\u00ednh c\u00f2n bi\u1ebfn kh\u00e1i ni\u1ec7m \u201ccon n\u1ee3\u201d tr\u00ean s\u00e2n kh\u1ea5u cu\u1ed9c \u0111\u1eddi th\u00e0nh \u201ckh\u00e1ch n\u1ee3\u201d trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 104\/2007\/N\u0110-CP v\u1ec1 Kinh doanh d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3.<\/p>\n

S\u00e2n kh\u1ea5u ph\u00e1p lu\u1eadt ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng th\u1ee7 ph\u1ea1m \u0111\u00e3 t\u1ea1o s\u00e2n ch\u01a1i thi\u1ebfu l\u00e0nh m\u1ea1ng, dung d\u01b0\u1ee1ng c\u1ea3 l\u00e0ng, c\u1ea3 t\u1ed5ng vi ph\u1ea1m ph\u00e1p lu\u1eadt vay v\u1ed1n v\u00e0 cho vay, su\u1ed1t t\u1eeb xu\u00e2n n\u00e0y qua t\u1ebft kh\u00e1c. Bu\u1ed3n thay, tr\u00ean s\u00e2n kh\u1ea5u \u1ea5y, c\u00e1c chi\u00eau tr\u00f2 bi h\u00e0i k\u1ecbch cho vay n\u1eb7ng l\u00e3i v\u1eabn \u0111ang di\u1ec5n ra, ch\u01b0a th\u1ea5y g\u00ec kh\u00e1c v\u00e0o n\u0103m 2012!<\/p>\n

\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

Bi k\u1ecbch t\u00edn d\u1ee5ng \u0111en <\/strong><\/h4>\n

(To\u00e0 so\u1ea1n \u0111\u1ed5i th\u00e0nh: B\u00f9ng n\u1ed5 t\u00edn d\u1ee5ng \u0111en, b\u00e0i h\u1ecdc cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 ti\u1ec1n, kh\u00f4ng \u0103n nh\u1eadp v\u1edbi m\u1ea1nh b\u00e0i vi\u1ebft)<\/p>\n

——<\/p>\n

B\u00e1o \u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n s\u1ed1 9-13 (1105-1109) ng\u00e0y 20-01-2012:<\/em><\/strong><\/p>\n

(B\u00e0i \u0111\u01b0\u1ee3c \u0111\u1ecdc nhi\u1ec1u nh\u1ea5t trong g\u1ea7n 1 tu\u1ea7n tr\u00ean:<\/em><\/p>\n

http:\/\/cafef.vn\/20120130105534662CA34\/bi-kich-tin-dung-den.chn<\/a><\/em>","protected":false},"excerpt":{"rendered":"

Bi k\u1ecbch t\u00edn d\u1ee5ng \u0111en. (DTCK) – N\u0103m 2011 \u0111\u00e3 cu\u1ed1n tung h\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m t\u1ef7 \u0111\u1ed3ng t\u1eeb m\u1ed9t lo\u1ea1t v\u1ee5 v\u1ee1 n\u1ee3 t\u00edn d\u1ee5ng \u0111en. Bi k\u1ecbch t\u00edn d\u1ee5ng \u0111en tr\u00e0n lan t\u1eeb b\u1eafc v\u00f4 nam, t\u1eeb qu\u00ea ngh\u00e8o \u0111\u1ebfn ph\u1ed1 l\u1edbn trong \u0111\u00f3 vay m\u01b0\u1ee3n l\u00e0 k\u1ecbch b\u1ea3n, ph\u00e1p lu\u1eadt l\u00e0 s\u00e2n […]<\/p>\n","protected":false},"author":7,"featured_media":4935,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,49,36],"class_list":["post-4934","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-hinh-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n150. 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