{"id":49881,"date":"2026-04-28T06:57:06","date_gmt":"2026-04-27T23:57:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=49881"},"modified":"2026-04-28T07:08:11","modified_gmt":"2026-04-28T00:08:11","slug":"4-672-doanh-nghiep-kinh-doanh-vang-vay-vang-trong-dan-khong-cam-nhung-ai-dam-cho-vay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-672-doanh-nghiep-kinh-doanh-vang-vay-vang-trong-dan-khong-cam-nhung-ai-dam-cho-vay\/","title":{"rendered":"4.672. Doanh nghi\u1ec7p kinh doanh v\u00e0ng vay v\u00e0ng trong d\u00e2n: Kh\u00f4ng c\u1ea5m nh\u01b0ng ai d\u00e1m cho vay?"},"content":{"rendered":"

Doanh nghi\u1ec7p kinh doanh v\u00e0ng vay v\u00e0ng trong d\u00e2n: Kh\u00f4ng c\u1ea5m nh\u01b0ng ai d\u00e1m cho vay?<\/strong><\/span><\/h4>\n

(VNN) \u2013 Doanh nghi\u1ec7p vay v\u00e0ng trong d\u00e2n l\u00e0 vi\u1ec7c kh\u00f4ng b\u1ecb c\u1ea5m theo quy \u0111\u1ecbnh, nh\u01b0ng r\u1ee7i ro l\u1edbn khi\u1ebfn c\u1ea3 ng\u01b0\u1eddi vay l\u1eabn cho vay \u0111\u1ec1u d\u00e8 ch\u1eebng.<\/strong><\/p>\n

R\u1ee7i ro kh\u00f3 l\u01b0\u1eddng<\/strong><\/h5>\n

Hi\u1ec7p h\u1ed9i Kinh doanh v\u00e0ng Vi\u1ec7t Nam v\u1eeba ki\u1ebfn ngh\u1ecb Th\u1ee7 t\u01b0\u1edbng cho ph\u00e9p c\u00e1c doanh nghi\u1ec7p s\u1ea3n xu\u1ea5t\u00a0kinh doanh v\u00e0ng<\/a>\u00a0trang s\u1ee9c \u0111\u01b0\u1ee3c vay v\u00e0ng trong d\u00e2n v\u1edbi l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn ph\u00f9 h\u1ee3p v\u1edbi ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 \u0111\u1ec3 ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t. \u0110\u1ed3ng th\u1eddi, ki\u1ebfn ngh\u1ecb Ch\u00ednh ph\u1ee7 ban h\u00e0nh quy \u0111\u1ecbnh, h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 v\u1ec1 c\u01a1 ch\u1ebf, c\u00e1ch th\u1ee9c huy \u0111\u1ed9ng, thu mua v\u00e0ng trong d\u00e2n.<\/p>\n

Chia s\u1ebb v\u1edbi\u00a0PV VietNamNet,\u00a0<\/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>, <\/em><\/strong>Tr\u1ecdng t\u00e0i vi\u00ean <\/em><\/strong>VIAC<\/em><\/strong><\/a>, cho bi\u1ebft vi\u1ec7c doanh nghi\u1ec7p vay v\u00e0ng trong d\u00e2n l\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1; ph\u00e1p lu\u1eadt t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay kh\u00f4ng c\u1ea5m v\u00e0 c\u0169ng ch\u01b0a c\u00f3 quy \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh c\u1ee5 th\u1ec3.<\/em><\/h6>\n
Trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u00e0 cho vay b\u1eb1ng v\u00e0ng b\u1ecb c\u1ea5m do r\u1ee7i ro l\u1edbn. Tuy nhi\u00ean, ngo\u00e0i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, c\u00e1c giao d\u1ecbch li\u00ean quan \u0111\u1ebfn v\u00e0ng nh\u01b0 g\u00f3p v\u1ed1n, vay m\u01b0\u1ee3n, t\u1eb7ng cho, trao \u0111\u1ed5i, mua b\u00e1n ho\u1eb7c d\u00f9ng v\u00e0ng l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec1u kh\u00f4ng b\u1ecb c\u1ea5m.<\/em><\/h6>\n
Theo \u00f4ng \u0110\u1ee9c, ph\u00e1p lu\u1eadt hi\u1ec7n ch\u1ec9 c\u1ea5m s\u1eed d\u1ee5ng v\u00e0ng l\u00e0m ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n, \u0111\u1ed3ng th\u1eddi quy \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng \u201ckinh doanh v\u00e0ng, tr\u1eeb v\u00e0ng trang s\u1ee9c, m\u1ef9 ngh\u1ec7\u201d l\u00e0 ng\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n, ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p (x\u1ebfp th\u1ee9 192 trong Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2025).<\/em><\/h6>\n
Theo \u00f4ng \u0110\u1ee9c, ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m vi\u1ec7c c\u00e1c b\u00ean t\u1ef1 th\u1ecfa thu\u1eadn vay v\u00e0ng (tr\u1eeb tr\u01b0\u1eddng h\u1ee3p thu\u1ed9c ho\u1ea1t \u0111\u1ed9ng \u201ckinh doanh v\u00e0ng\u201d th\u00ec ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh). Tuy nhi\u00ean, r\u1ee7i ro c\u1ee7a h\u00ecnh th\u1ee9c n\u00e0y l\u00e0 r\u1ea5t l\u1edbn, c\u1ea3 v\u1ec1 ngu\u1ed3n cung l\u1eabn bi\u1ebfn \u0111\u1ed9ng gi\u00e1.<\/em><\/h6>\n
\u00d4ng \u0111\u1eb7t v\u1ea5n \u0111\u1ec1: n\u1ebfu \u0111\u1ebfn h\u1ea1n m\u00e0 kh\u00f4ng th\u1ec3 tr\u1ea3, li\u1ec7u ai d\u00e1m vay v\u00e0 ai s\u1eb5n s\u00e0ng cho vay?<\/em><\/h6>\n

\"\"<\/p>\n

Theo chuy\u00ean gia, ho\u1ea1t \u0111\u1ed9ng vay v\u00e0ng \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro r\u1ea5t l\u1edbn v\u00e0 kh\u00f3 ki\u1ec3m so\u00e1t.<\/p>\n

N\u1ebfu gi\u00e1 v\u00e0ng \u1ed5n \u0111\u1ecbnh ho\u1eb7c gi\u1ea3m, r\u1ee7i ro kh\u00f4ng l\u1edbn. Tuy nhi\u00ean, khi gi\u00e1 bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh, th\u1eadm ch\u00ed t\u0103ng \u0111\u1ed9t bi\u1ebfn, b\u00ean vay r\u1ea5t d\u1ec5 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n b\u1eb1ng v\u00e0ng ho\u1eb7c quy \u0111\u1ed5i ra ti\u1ec1n.<\/em><\/h6>\n
\u00d4ng d\u1eabn ch\u1ee9ng, b\u00e1o ch\u00ed m\u1edbi \u0111\u00e2y \u0111\u01b0a tin v\u1ec1 C\u00f4ng ty CP Th\u1ee7y h\u1ea3i s\u1ea3n S\u00e0i G\u00f2n (APT) kh\u00f4ng th\u1ec3 tr\u1ea3 \u0111\u01b0\u1ee3c kho\u1ea3n n\u1ee3 vay Southern Bank (nay l\u00e0 Sacombank) 5.833 l\u01b0\u1ee3ng v\u00e0ng SJC, t\u1ea1i th\u1eddi \u0111i\u1ec3m gi\u00e1 v\u00e0ng SJC 17,66 tri\u1ec7u \u0111\u1ed3ng\/l\u01b0\u1ee3ng, tr\u1ecb gi\u00e1 quy \u0111\u1ed5i l\u00e0 103 t\u1ef7 \u0111\u1ed3ng. \u0110\u1ebfn cu\u1ed1i n\u0103m ngo\u00e1i, gi\u00e1 v\u00e0ng \u0111\u00e3 l\u00ean t\u1edbi 152,8 tri\u1ec7u \u0111\u1ed3ng\/l\u01b0\u1ee3ng, tr\u1ecb gi\u00e1 quy \u0111\u1ed5i l\u00e0 891,28 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 8,65 l\u1ea7n.<\/em><\/h6>\n
\u201cDoanh nghi\u1ec7p th\u01b0\u1eddng vay v\u1edbi quy m\u00f4 l\u1edbn th\u00ec ngay c\u1ea3 khi kh\u00f4ng c\u00f3 l\u00e3i ho\u1eb7c l\u00e3i th\u1ea5p, r\u1ee7i ro v\u1eabn qu\u00e1 l\u1edbn. C\u1ea3 hai ph\u00eda doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n \u0111\u1ec1u c\u1ea7n h\u1ebft s\u1ee9c th\u1eadn tr\u1ecdng v\u1edbi r\u1ee7i ro ti\u1ec1m \u1ea9n qu\u00e1 l\u1edbn nh\u01b0 v\u1eady\u201d, \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/h6>\n
Do \u0111\u00f3, doanh nghi\u1ec7p c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n n\u1ebfu \u0111\u00e1nh gi\u00e1 kh\u1ea3 thi v\u00e0 b\u1ea3o \u0111\u1ea3m kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 b\u1eb1ng v\u00e0ng. Tuy nhi\u00ean, \u00f4ng \u0110\u1ee9c l\u01b0u \u00fd Nh\u00e0 n\u01b0\u1edbc c\u1ea7n c\u00f3 c\u1ea3nh b\u00e1o r\u00f5 r\u00e0ng v\u1ec1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00e2n.<\/em><\/h6>\n
Thi\u1ebfu ki\u1ec3m so\u00e1t c\u00f3 th\u1ec3 k\u00edch ho\u1ea1t chu k\u1ef3 \u2018v\u00e0ng h\u00f3a\u2019 m\u1edbi<\/strong><\/h5>\n

C\u00f2n TS L\u00ea B\u00e1 Ch\u00ed Nh\u00e2n – chuy\u00ean gia kinh t\u1ebf cho hay, Vi\u1ec7t Nam \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ed9t trong nh\u1eefng qu\u1ed1c gia c\u00f3 l\u01b0\u1ee3ng v\u00e0ng t\u00edch tr\u1eef trong d\u00e2n r\u1ea5t l\u1edbn, song ph\u1ea7n l\u1edbn ngu\u1ed3n l\u1ef1c n\u00e0y ch\u01b0a tham gia v\u00e0o chu tr\u00ecnh s\u1ea3n xu\u1ea5t – kinh doanh, ch\u01b0a t\u1ea1o ra gi\u00e1 tr\u1ecb gia t\u0103ng cho n\u1ec1n kinh t\u1ebf.<\/p>\n

Trong khi \u0111\u00f3, c\u00e1c doanh nghi\u1ec7p ch\u1ebf t\u00e1c v\u00e0ng trang s\u1ee9c v\u1eabn ph\u1ea3i mua nguy\u00ean li\u1ec7u theo gi\u00e1 th\u1ecb tr\u01b0\u1eddng, ch\u1ecbu \u00e1p l\u1ef1c v\u1ed1n l\u1edbn v\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o ngu\u1ed3n cung h\u1ee3p ph\u00e1p \u0111ang \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd. N\u1ebfu c\u00f3 c\u01a1 ch\u1ebf vay v\u00e0ng trong d\u00e2n, doanh nghi\u1ec7p c\u00f3 th\u1ec3 gi\u1ea3m \u00e1p l\u1ef1c v\u1ed1n l\u01b0u \u0111\u1ed9ng, m\u1edf r\u1ed9ng quy m\u00f4 s\u1ea3n xu\u1ea5t, qua \u0111\u00f3 n\u00e2ng cao n\u0103ng l\u1ef1c c\u1ea1nh tranh c\u1ee7a ng\u00e0nh kim ho\u00e0n – m\u1ef9 ngh\u1ec7, l\u0129nh v\u1ef1c c\u00f3 ti\u1ec1m n\u0103ng xu\u1ea5t kh\u1ea9u.<\/p>\n

Tuy nhi\u00ean, theo \u00f4ng Nh\u00e2n, t\u00ednh kh\u1ea3 thi c\u1ee7a \u0111\u1ec1 xu\u1ea5t kh\u00f4ng n\u1eb1m \u1edf kh\u00eda c\u1ea1nh d\u00e2n s\u1ef1, b\u1edfi quan h\u1ec7 vay m\u01b0\u1ee3n t\u00e0i s\u1ea3n l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, m\u00e0 ch\u1ee7 y\u1ebfu \u1edf g\u00f3c \u0111\u1ed9 qu\u1ea3n l\u00fd ti\u1ec1n t\u1ec7 v\u00e0 \u1ed5n \u0111\u1ecbnh th\u1ecb tr\u01b0\u1eddng v\u00e0ng, thu\u1ed9c ph\u1ea1m vi \u0111i\u1ec1u ti\u1ebft c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd.<\/p>\n

\u201cTh\u1ef1c t\u1ebf cho th\u1ea5y, c\u00e1c c\u01a1 ch\u1ebf \u201cv\u00e0ng h\u00f3a\u201d n\u1ec1n kinh t\u1ebf n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ch\u1eb7t ch\u1ebd c\u00f3 th\u1ec3 ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro: h\u00ecnh th\u00e0nh th\u1ecb tr\u01b0\u1eddng v\u00e0ng song song, gia t\u0103ng \u0111\u1ea7u c\u01a1, t\u1ea1o \u00e1p l\u1ef1c l\u00ean t\u1ef7 gi\u00e1 v\u00e0 l\u00e0m suy y\u1ebfu vai tr\u00f2 c\u1ee7a ti\u1ec1n \u0111\u1ed3ng trong l\u01b0u th\u00f4ng. N\u1ebfu cho vay v\u00e0ng t\u1ef1 do theo th\u1ecfa thu\u1eadn, nguy c\u01a1 bi\u1ebfn t\u01b0\u1edbng th\u00e0nh ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u00e0ng quy m\u00f4 l\u1edbn, t\u01b0\u01a1ng t\u1ef1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng nh\u01b0ng n\u1eb1m ngo\u00e0i h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh\u201d, \u00f4ng Nh\u00e2n n\u00f3i.<\/p>\n

V\u00ec v\u1eady, theo chuy\u00ean gia, \u0111\u1ec1 xu\u1ea5t ch\u1ec9 c\u00f3 th\u1ec3 tri\u1ec3n khai khi \u0111i k\u00e8m m\u1ed9t \u201ch\u00e0ng r\u00e0o th\u1ec3 ch\u1ebf\u201d r\u00f5 r\u00e0ng: gi\u1edbi h\u1ea1n \u0111\u1ed1i t\u01b0\u1ee3ng vay (ch\u1ec9 doanh nghi\u1ec7p ch\u1ebf t\u00e1c), gi\u1edbi h\u1ea1n m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng (ch\u1ec9 ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t trang s\u1ee9c), b\u1eaft bu\u1ed9c \u0111\u0103ng k\u00fd, b\u00e1o c\u00e1o v\u00e0 ch\u1ecbu s\u1ef1 gi\u00e1m s\u00e1t; \u0111\u1ed3ng th\u1eddi kh\u00f4ng cho ph\u00e9p bi\u1ebfn t\u01b0\u1edbng quan h\u1ec7 vay v\u00e0ng th\u00e0nh ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng tr\u00e1 h\u00ecnh.<\/p>\n

N\u1ebfu \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf h\u1ee3p l\u00fd, \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0 c\u00e1ch th\u1ee9c huy \u0111\u1ed9ng ngu\u1ed3n l\u1ef1c v\u00e0ng trong d\u00e2n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t thay v\u00ec \u0111\u1ea7u c\u01a1. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu thi\u1ebfu ki\u1ec3m so\u00e1t, ch\u00ednh c\u01a1 ch\u1ebf n\u00e0y c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh \u0111i\u1ec3m kh\u1edfi ph\u00e1t cho m\u1ed9t chu k\u1ef3 \u201cv\u00e0ng h\u00f3a\u201d m\u1edbi. V\u00ec v\u1eady, v\u1ea5n \u0111\u1ec1 kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f3 cho vay v\u00e0ng hay kh\u00f4ng, m\u00e0 l\u00e0 thi\u1ebft k\u1ebf c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 v\u1eeba khai th\u00e1c hi\u1ec7u qu\u1ea3 ngu\u1ed3n l\u1ef1c, v\u1eeba b\u1ea3o \u0111\u1ea3m \u1ed5n \u0111\u1ecbnh ti\u1ec1n t\u1ec7 qu\u1ed1c gia.<\/p>\n

Trong khi \u0111\u00f3, <\/em>Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a> n\u00f3i th\u1eb3ng vi\u1ec7c ki\u1ebfn ngh\u1ecb Ch\u00ednh ph\u1ee7 ban h\u00e0nh quy \u0111\u1ecbnh ri\u00eang cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft.\u00a0<\/em><\/h6>\n
\u201cNguy\u00ean t\u1eafc c\u1ee7a ph\u00e1p lu\u1eadt l\u00e0 nh\u1eefng g\u00ec kh\u00f4ng c\u1ea5m th\u00ec ng\u01b0\u1eddi d\u00e2n \u0111\u01b0\u1ee3c l\u00e0m. N\u1ebfu ban h\u00e0nh th\u00eam quy \u0111\u1ecbnh \u0111\u1ec3 \u201ccho ph\u00e9p\u201d ch\u1eb3ng kh\u00e1c n\u00e0o t\u1ef1 \u201cmua d\u00e2y bu\u1ed9c m\u00ecnh\u201d, \u0111i ng\u01b0\u1ee3c l\u1ea1i tinh th\u1ea7n t\u1ef1 do kinh doanh, c\u1eaft gi\u1ea3m gi\u1ea5y ph\u00e9p con v\u00e0 \u0111i\u1ec1u ki\u1ec7n kinh doanh. \u0110\u1ed3ng th\u1eddi, \u0111i\u1ec1u n\u00e0y c\u00f2n c\u00f3 th\u1ec3 g\u00e2y hi\u1ec3u nh\u1ea7m r\u1eb1ng vi\u1ec7c vay v\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc \u201cc\u1ea5p ph\u00e9p\u201d ho\u1eb7c \u201cb\u1ea3o \u0111\u1ea3m\u201d\u201d, v\u1ecb lu\u1eadt s\u01b0 l\u01b0u \u00fd.<\/em><\/h6>\n
V\u1ec1 l\u00e3i su\u1ea5t, do kh\u00f4ng ph\u1ea3i vay ti\u1ec1n n\u00ean ho\u1ea1t \u0111\u1ed9ng n\u00e0y kh\u00f4ng b\u1ecb \u0111i\u1ec1u ch\u1ec9nh b\u1edfi quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, c\u00e1c b\u00ean c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn t\u1ef1 do.<\/em><\/h6>\n
Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a> c\u0169ng \u0111\u00e1nh gi\u00e1, \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea3i ph\u00e1p t\u1ed1t \u0111\u1ec3 huy \u0111\u1ed9ng ngu\u1ed3n l\u1ef1c. Thay v\u00e0o \u0111\u00f3, c\u1ea7n khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00e2n b\u00e1n v\u00e0ng \u0111\u1ec3 l\u1ea5y v\u1ed1n l\u00e0m \u0103n hay \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c k\u00eanh nh\u01b0 g\u00f3p v\u1ed1n th\u00e0nh l\u1eadp doanh nghi\u1ec7p, mua tr\u00e1i phi\u1ebfu, c\u1ed5 phi\u1ebfu, b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1eb7c g\u1eedi ti\u1ec1n ng\u00e2n h\u00e0ng, qua \u0111\u00f3 \u0111\u01b0a ngu\u1ed3n l\u1ef1c v\u00e0o l\u01b0u th\u00f4ng, s\u1ea3n xu\u1ea5t, kinh doanh.\u00a0<\/em><\/h6>\n
Ngo\u00e0i ra, v\u00e0ng l\u00e0 t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb cao, g\u1ecdn nh\u1eb9, d\u1ec5 qu\u1ea3n l\u00fd v\u00e0 thanh kho\u1ea3n t\u1ed1t, n\u00ean c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 trong c\u00e1c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m nh\u01b0 c\u1ea7m c\u1ed1, \u0111\u1eb7t c\u1ecdc, k\u00fd c\u01b0\u1ee3c cho c\u00e1c kho\u1ea3n vay, ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh v\u00e0 nhi\u1ec1u ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 kh\u00e1c, thay v\u00ec \u0111\u1ec3 \u201cn\u1eb1m ch\u1ebft\u201d trong k\u00e9t.<\/em><\/h6>\n

Nguy\u1ec5n L\u00ea<\/strong><\/p>\n

—————<\/p>\n

Vietnamnet (Kinh doanh) ng\u00e0y 28-4-2026:<\/em><\/strong><\/p>\n

https:\/\/vietnamnet.vn\/doanh-nghiep-vay-vang-trong-dan-khong-cam-nhung-ai-dam-cho-vay-2510630.html<\/a><\/em><\/p>\n

(<\/em>724\/1.354<\/em>)<\/em><\/p>\n

—————<\/p>\n

Sau \u0111\u00e2y l\u00e0 \u0111o\u1ea1n v\u0103n t\u00f4i \u0111\u00e3 s\u1eeda ng\u00e0y 27-4-2026 (nhi\u1ec1u h\u01a1n 271 ch\u1eef):<\/em><\/strong><\/p>\n

Chia s\u1ebb v\u1edbi PV VietNamNet, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC cho hay, vi\u1ec7c doanh nghi\u1ec7p vay v\u00e0ng trong d\u00e2n l\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1, ph\u00e1p lu\u1eadt x\u01b0a nay kh\u00f4ng c\u1ea5m v\u00e0 c\u0169ng kh\u00f4ng \u0111i\u1ec1u ch\u1ec9nh c\u1ee5 th\u1ec3. Ri\u00eang l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng th\u00ec b\u1ecb c\u1ea5m huy \u0111\u1ed9ng v\u00e0 cho vay v\u00ec r\u1ee7i ro qu\u00e1 l\u1edbn. C\u00f2n ngo\u00e0i ng\u00e2n h\u00e0ng, th\u00ec vi\u1ec7c g\u00f3p v\u1ed1n, vay m\u01b0\u1ee3n, t\u1eb7ng cho, trao \u0111\u1ed5i, mua b\u00e1n, b\u1ea3o \u0111\u1ea3m b\u1eb1ng v\u00e0ng kh\u00f4ng b\u1ecb c\u1ea5m. Ph\u00e1p lu\u1eadt ch\u1ec9 quy \u0111\u1ecbnh c\u1ea5m duy nh\u1ea5t vi\u1ec7c thanh to\u00e1n b\u1eb1ng v\u00e0ng v\u00e0 quy \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng \u201ckinh doanh v\u00e0ng, tr\u1eeb v\u00e0ng trang s\u1ee9c, m\u1ef9 ngh\u1ec7\u201d l\u00e0 ng\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n (c\u00f3 gi\u1ea5y ph\u00e9p) th\u1ee9 192 trong Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2025.<\/em><\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m th\u00ec c\u00e1c b\u00ean c\u00f3 th\u1ec3 t\u1ef1 do th\u1ecfa thu\u1eadn vi\u1ec7c vay v\u00e0ng (ri\u00eang thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p \u201cKinh doanh v\u00e0ng\u201d th\u00ec ph\u1ea3i \u0111\u00e1p \u1ee9ng v\u1ec1 \u0111i\u1ec1u ki\u1ec7n kinh doanh), nh\u01b0ng v\u1ea5n \u0111\u1ec1 l\u00e0 r\u1ee7i ro kh\u00f4ng ch\u1ee7 \u0111\u1ed9ng \u0111\u01b0\u1ee3c ngu\u1ed3n cung v\u00e0 r\u1ee7i ro bi\u1ebfn \u0111\u1ed9ng gi\u00e1 c\u1ea3 r\u1ea5t l\u1edbn sau n\u00e0y n\u1ebfu kh\u00f4ng th\u1ec3 tr\u1ea3 \u0111\u01b0\u1ee3c th\u00ec ai d\u00e1m m\u1ea1nh d\u1ea1n \u0111i vay v\u00e0 ai d\u00e1m ch\u1ea5p nh\u1eadn cho vay? N\u1ebfu gi\u00e1 v\u00e0ng \u00edt bi\u1ebfn \u0111\u1ed9ng hay gi\u1ea3m gi\u00e1 th\u00ec kh\u00f4ng c\u00f3 v\u1ea5n \u0111\u1ec1 g\u00ec, nh\u01b0ng gi\u00e1 v\u00e0ng bi\u1ebfn \u0111\u1ed9ng r\u1ea5t m\u1ea1nh, c\u00f3 th\u1ec3 t\u0103ng \u0111\u1ed9t bi\u1ebfn, khi \u0111\u00f3 b\u00ean vay r\u1ea5t d\u1ec5 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng kh\u00f4ng th\u1ec3 kh\u1ea3 n\u0103ng thanh to\u00e1n b\u1eb1ng v\u00e0ng c\u0169ng nh\u01b0 quy \u0111\u1ed5i ra ti\u1ec1n. \u0110\u00e2y l\u00e0 r\u1ee7i ro kh\u00f3 l\u01b0\u1eddng m\u00e0 c\u1ea3 b\u00ean \u0111i vay c\u0169ng nh\u01b0 b\u00ean cho vay ph\u1ea3i t\u1ef1 quy\u1ebft \u0111\u1ecbnh v\u00e0 t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m, v\u00ec trong giao d\u1ecbch d\u00e2n s\u1ef1, n\u1ebfu kh\u00f4ng c\u00f3 h\u00e0nh vi l\u1eeba \u0111\u1ea3o hay gian d\u1ed1i th\u00ec ph\u1ea3i t\u1ef1 ch\u1ecbu ho\u00e0n to\u00e0n v\u1ec1 thi\u1ec7t h\u1ea1i, m\u1ea5t m\u00e1t do thua l\u1ed7, ph\u00e1 s\u1ea3n. <\/em><\/p>\n

\u201cKh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o c\u1ea5m doanh nghi\u1ec7p vay v\u00e0ng hay ng\u01b0\u1eddi d\u00e2n cho vay v\u00e0ng. Vay ti\u1ec1n, vay g\u1ea1o hay vay v\u00e0ng \u0111\u1ec1u l\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1 b\u00ecnh th\u01b0\u1eddng, ch\u1ec9 c\u00f3 vay ngo\u1ea1i t\u1ec7 l\u00e0 b\u1ecb c\u1ea5m. V\u1edbi v\u00e0ng, ph\u00e1p lu\u1eadt ch\u1ec9 c\u1ea5m s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n, c\u00f2n mua b\u00e1n, trao \u0111\u1ed5i, t\u1eb7ng cho, c\u1ea7m c\u1ed1, \u0111\u1eb7t c\u1ecdc, g\u1eedi gi\u1eef hay vay m\u01b0\u1ee3n th\u00ec kh\u00f4ng h\u1ec1 b\u1ecb ng\u0103n c\u1ea5m v\u00e0 c\u0169ng kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf theo quy \u0111\u1ecbnh v\u1ec1 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n. Do \u0111\u00f3, n\u1ebfu doanh nghi\u1ec7p th\u1ea5y kh\u1ea3 thi v\u00e0 ch\u1eafc ch\u1eafn tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c b\u1eb1ng v\u00e0ng th\u00ec c\u1ee9 l\u00e0m, nh\u01b0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n c\u1ea3nh b\u00e1o r\u00f5 r\u1ee7i ro cho ng\u01b0\u1eddi d\u00e2n\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Song, theo v\u1ecb lu\u1eadt s\u01b0, vi\u1ec7c ki\u1ebfn ngh\u1ecb Ch\u00ednh ph\u1ee7 ban h\u00e0nh quy \u0111\u1ecbnh ri\u00eang cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft. Nguy\u00ean t\u1eafc c\u1ee7a ph\u00e1p lu\u1eadt l\u00e0 nh\u1eefng g\u00ec kh\u00f4ng c\u1ea5m th\u00ec ng\u01b0\u1eddi d\u00e2n \u0111\u01b0\u1ee3c l\u00e0m. N\u1ebfu ban h\u00e0nh th\u00eam quy \u0111\u1ecbnh \u0111\u1ec3 \u201ccho ph\u00e9p\u201d th\u00ec ch\u1ea3 kh\u00e1c n\u00e0o t\u1ef1 mua d\u00e2y bu\u1ed9c m\u00ecnh, \u0111i ng\u01b0\u1ee3c l\u1ea1i tinh th\u1ea7n t\u1ef1 do kinh doanh, c\u1eaft gi\u1ea3m gi\u1ea5y ph\u00e9p con v\u00e0 \u0111i\u1ec1u ki\u1ec7n kinh doanh. V\u1ea5n \u0111\u1ec1 kh\u00f4ng ch\u1ec9 c\u00f3 th\u1ebf, m\u00e0 c\u00f2n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn s\u1ef1 nh\u1ea7m t\u01b0\u1edfng r\u1eb1ng vi\u1ec7c vay v\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c nh\u00e0 n\u01b0\u1edbc \u201cc\u1ea5p ph\u00e9p\u201d hay \u00edt nhi\u1ec1u \u201cb\u1ea3o \u0111\u1ea3m\u201d.<\/em><\/p>\n

Tuy nhi\u00ean, \u00f4ng \u0110\u1ee9c cho r\u1eb1ng, m\u1ea5u ch\u1ed1t l\u00e0 ho\u1ea1t \u0111\u1ed9ng vay v\u00e0ng \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro c\u1ef1c k\u1ef3 l\u1edbn v\u00f4 c\u00f9ng kh\u00f3 ki\u1ec3m so\u00e1t. Ngu\u1ed3n v\u00e0ng th\u00ec ph\u1ee5 thu\u1ed9c v\u00e0o th\u1ebf gi\u1edbi, nh\u1eadp kh\u1ea9u th\u00ec ph\u1ea3i d\u00f9ng ngo\u1ea1i t\u1ec7, gi\u00e1 v\u00e0ng th\u00ec c\u00f3 th\u1ec3 t\u0103ng r\u1ea5t m\u1ea1nh, khi\u1ebfn b\u00ean vay kh\u00f4ng th\u1ec3 tr\u1ea3 n\u1ee3, nh\u1ea5t l\u00e0 khi nhi\u1ec1u ng\u01b0\u1eddi cho vay \u0111\u1ed3ng lo\u1ea1t \u0111\u00f2i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n. <\/em><\/p>\n

V\u1ec1 l\u00e3i su\u1ea5t, do kh\u00f4ng ph\u1ea3i vay ti\u1ec1n n\u00ean kh\u00f4ng b\u1ecb \u0111i\u1ec1u ch\u1ec9nh b\u1edfi quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, c\u00e1c b\u00ean c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn t\u1ef1 do. Tr\u01b0\u1eddng h\u1ee3p c\u00f3 tranh c\u00e3i th\u00ec c\u0169ng quay v\u1ec1 ch\u1ea5p nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t 20%, b\u1eb1ng v\u1edbi vay ti\u1ec1n. Khi \u0111\u00f3, r\u1ee7i ro gi\u00e1 c\u1ea3 t\u0103ng c\u1ed9ng th\u00eam l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn cao (doanh nghi\u1ec7p vay l\u00e3i su\u1ea5t th\u1ea5p th\u00ec ch\u1eafc kh\u00f4ng ai ch\u1ea5p nh\u1eadn) th\u00ec c\u00e0ng t\u0103ng th\u00eam nguy c\u01a1 r\u1ee7i ro. Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi th\u00e2n thi\u1ebft vay nhau v\u00e0ng \u0111\u00e3 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng ch\u1ebft cay ch\u1ebft \u0111\u1eafng khi ph\u1ea3i tr\u1ea3 n\u1ee3 s\u1ed1 ti\u1ec1n g\u1ea5p nhi\u1ec1u l\u1ea7n so v\u1edbi vay ti\u1ec1n. V\u1eeba m\u1edbi \u0111\u00e2y, b\u00e1o ch\u00ed \u0111\u01b0a tin, C\u00f4ng ty c\u1ed5 ph\u1ea7n Th\u1ee7y h\u1ea3i s\u1ea3n S\u00e0i G\u00f2n (APT) kh\u00f4ng th\u1ec3 tr\u1ea3 \u0111\u01b0\u1ee3c kho\u1ea3n n\u1ee3 vay Southern Bank (nay l\u00e0 Sacombank) 5.833 l\u01b0\u1ee3ng v\u00e0ng SJC, gi\u00e1 17,66 tri\u1ec7u \u0111\u1ed3ng\/l\u01b0\u1ee3ng, tr\u1ecb gi\u00e1 tr\u1ecb quy \u0111\u1ed5i l\u00e0 103 t\u1ef7 \u0111\u1ed3ng, \u0111\u1ebfn cu\u1ed1i n\u0103m ngo\u00e1i gi\u00e1 v\u00e0ng \u0111\u00e3 l\u00ean t\u1edbi 152,8 tri\u1ec7u \u0111\u1ed3ng\/l\u01b0\u1ee3ng, tr\u1ecb gi\u00e1 quy \u0111\u1ed5i l\u00e0 891,28 t\u1ef7, t\u0103ng 8,65 l\u1ea7n.<\/em><\/p>\n

\u201cDoanh nghi\u1ec7p th\u01b0\u1eddng kh\u00f4ng ai vay l\u1eb7t v\u1eb7t, m\u00e0 th\u01b0\u1eddng vay nhi\u1ec1u, th\u00ec ngay c\u1ea3 khi kh\u00f4ng c\u00f3 l\u00e3i ho\u1eb7c l\u00e3i th\u1ea5p, r\u1ee7i ro v\u1eabn qu\u00e1 l\u1edbn. C\u1ea3 hai ph\u00eda doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n \u0111\u1ec1u c\u1ea7n h\u1ebft s\u1ee9c th\u1eadn tr\u1ecdng v\u1edbi r\u1ee7i ro ti\u1ec1m \u1ea9n qu\u00e1 l\u1edbn nh\u01b0 v\u1eady\u201d, \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng \u0111\u00e1nh gi\u00e1, \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea3i ph\u00e1p t\u1ed1t \u0111\u1ec3 huy \u0111\u1ed9ng ngu\u1ed3n l\u1ef1c. Thay v\u00e0o \u0111\u00f3, c\u1ea7n khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00e2n b\u00e1n v\u00e0ng \u0111\u1ec3 l\u1ea5y v\u1ed1n l\u00e0m \u0103n hay \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c k\u00eanh nh\u01b0 g\u00f3p v\u1ed1n th\u00e0nh l\u1eadp doanh nghi\u1ec7p, mua tr\u00e1i phi\u1ebfu, c\u1ed5 phi\u1ebfu, b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1eb7c g\u1eedi ti\u1ec1n ng\u00e2n h\u00e0ng, qua \u0111\u00f3 \u0111\u01b0a ngu\u1ed3n l\u1ef1c v\u00e0o l\u01b0u th\u00f4ng, s\u1ea3n xu\u1ea5t, kinh doanh. Ngo\u00e0i ra, v\u00e0ng v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m l\u00e0 lo\u1ea1i t\u00e0i s\u1ea3n gi\u00e1 tr\u1ecb cao, g\u1ecdn nh\u1eb9, d\u1ec5 qu\u1ea3n l\u00fd, d\u1ec5 thanh kho\u1ea3n, c\u0169ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng t\u1ed1t v\u00e0o c\u00e1c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m nh\u01b0 c\u1ea7m c\u1ed1, \u0111\u1eb7t c\u1ecdc, k\u00fd c\u01b0\u1ee3c \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m kho\u1ea3n vay, b\u1ea3o l\u00e3nh v\u00e0 b\u1ea3o \u0111\u1ea3m cho nhi\u1ec1u ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 kh\u00e1c thay v\u00ec n\u1eb1m ch\u1ebft d\u00ed trong k\u00e9t. <\/em>","protected":false},"excerpt":{"rendered":"

Doanh nghi\u1ec7p kinh doanh v\u00e0ng vay v\u00e0ng trong d\u00e2n: Kh\u00f4ng c\u1ea5m nh\u01b0ng ai d\u00e1m cho vay? (VNN) \u2013 Doanh nghi\u1ec7p vay v\u00e0ng trong d\u00e2n l\u00e0 vi\u1ec7c kh\u00f4ng b\u1ecb c\u1ea5m theo quy \u0111\u1ecbnh, nh\u01b0ng r\u1ee7i ro l\u1edbn khi\u1ebfn c\u1ea3 ng\u01b0\u1eddi vay l\u1eabn cho vay \u0111\u1ec1u d\u00e8 ch\u1eebng. R\u1ee7i ro kh\u00f3 l\u01b0\u1eddng Hi\u1ec7p h\u1ed9i Kinh doanh v\u00e0ng […]<\/p>\n","protected":false},"author":2,"featured_media":49882,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-49881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n4.672. 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R\u1ee7i ro kh\u00f3 l\u01b0\u1eddng Hi\u1ec7p h\u1ed9i Kinh doanh v\u00e0ng […]","og_url":"https:\/\/anvilaw.com\/vi\/?p=49881","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2026-04-27T23:57:06+00:00","article_modified_time":"2026-04-28T00:08:11+00:00","og_image":[{"width":437,"height":290,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2026\/04\/Picture1-15.jpg","type":"image\/jpeg"}],"author":"ductt","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"ductt","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"14 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/?p=49881#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/?p=49881"},"author":{"name":"ductt","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/f250bfe7ec16ce4eba7ae37ffd717a9e"},"headline":"4.672. 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