{"id":50005,"date":"2026-05-25T21:00:21","date_gmt":"2026-05-25T14:00:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=50005"},"modified":"2026-05-25T21:00:21","modified_gmt":"2026-05-25T14:00:21","slug":"4-285-doanh-nghiep-nho-va-vua-co-the-vay-von-bang-tai-san-so","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-285-doanh-nghiep-nho-va-vua-co-the-vay-von-bang-tai-san-so\/","title":{"rendered":"4.285. Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u00f3 th\u1ec3 vay v\u1ed1n b\u1eb1ng t\u00e0i s\u1ea3n s\u1ed1."},"content":{"rendered":"

Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u00f3 th\u1ec3 vay v\u1ed1n b\u1eb1ng t\u00e0i s\u1ea3n s\u1ed1.<\/strong><\/span><\/h4>\n

(DNHN) – T\u1ea1i d\u1ef1 th\u1ea3o Lu\u1eadt H\u1ed7 tr\u1ee3 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (s\u1eeda \u0111\u1ed5i), B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0a ra \u0111\u1ec1 xu\u1ea5t mang t\u00ednh \u0111\u1ed9t ph\u00e1 khi cho ph\u00e9p doanh nghi\u1ec7p s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n s\u1ed1, t\u00e0i s\u1ea3n \u1ea3o v\u00e0 quy\u1ec1n s\u1edf h\u1eefu tr\u00ed tu\u1ec7 l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng. D\u00f9 \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd c\u1edfi tr\u00f3i d\u00f2ng v\u1ed1n cho c\u00e1c doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7 v\u00e0 startup, song \u0111\u1ec1 xu\u1ea5t n\u00e0y c\u0169ng \u0111ang thu h\u00fat nhi\u1ec1u \u00fd ki\u1ebfn ph\u00e2n t\u00edch s\u00e2u s\u1eafc t\u1eeb gi\u1edbi chuy\u00ean gia v\u1ec1 h\u00e0nh lang ph\u00e1p l\u00fd v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro.<\/p>\n

Theo s\u1ed1 li\u1ec7u t\u1eeb B\u1ed9 T\u00e0i ch\u00ednh, nh\u00f3m DNNVV hi\u1ec7n chi\u1ebfm h\u01a1n 98% t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p trong n\u1ec1n kinh t\u1ebf, nh\u01b0ng hi\u1ec7n t\u1ea1i m\u1edbi ch\u1ec9 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3ng 19% \u0111\u1ebfn 20% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng.<\/p>\n

\u0110\u1ec3 th\u00e1o g\u1ee1 \u0111i\u1ec3m ngh\u1ebdn n\u00e0y, t\u1ea1i \u0110i\u1ec1u 8 c\u1ee7a d\u1ef1 th\u1ea3o Lu\u1eadt H\u1ed7 tr\u1ee3 DNNVV (s\u1eeda \u0111\u1ed5i), c\u01a1 quan so\u1ea1n th\u1ea3o \u0111\u00e3 b\u1ed5 sung c\u01a1 ch\u1ebf khuy\u1ebfn kh\u00edch c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111a d\u1ea1ng h\u00f3a h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, m\u1edf r\u1ed9ng sang \u0111\u1ed9ng s\u1ea3n, t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, quy\u1ec1n t\u00e0i s\u1ea3n, t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u00e0i s\u1ea3n s\u1ed1 v\u00e0 t\u00e0i s\u1ea3n \u1ea3o.<\/p>\n

K\u1ef3 v\u1ecdng c\u1edfi tr\u00f3i cho doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7<\/strong><\/h5>\n

D\u01b0\u1edbi g\u00f3c nh\u00ecn kinh t\u1ebf, nhi\u1ec1u chuy\u00ean gia t\u00e0i ch\u00ednh \u0111\u00e1nh gi\u00e1 cao t\u00ednh th\u1eddi \u0111i\u1ec3m c\u1ee7a \u0111\u1ec1 xu\u1ea5t n\u00e0y. Ph\u1ea7n l\u1edbn c\u00e1c doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7, startup s\u00e1ng t\u1ea1o hi\u1ec7n nay s\u1edf h\u1eefu ngu\u1ed3n t\u00e0i s\u1ea3n c\u1ed1t l\u00f5i t\u1ed3n t\u1ea1i d\u01b0\u1edbi d\u1ea1ng ph\u1ea7n m\u1ec1m, kho d\u1eef li\u1ec7u ho\u1eb7c quy\u1ec1n s\u1edf h\u1eefu tr\u00ed tu\u1ec7, thay v\u00ec b\u1ea5t \u0111\u1ed9ng s\u1ea3n hay nh\u00e0 x\u01b0\u1edfng.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Trong b\u1ed1i c\u1ea3nh d\u00f2ng v\u1ed1n to\u00e0n c\u1ea7u \u0111\u1ed5 m\u1ea1nh v\u00e0o th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n s\u1ed1, Vi\u1ec7t Nam \u0111\u00e3 v\u01b0\u01a1n\u00a0l\u00ean v\u1ecb tr\u00ed th\u1ee9 ba trong khu v\u1ef1c ch\u00e2u \u00c1 – Th\u00e1i B\u00ecnh D\u01b0\u01a1ng (APEC) v\u1edbi t\u1ed5ng v\u1ed1n \u0111\u1ea7u t\u01b0 v\u01b0\u1ee3t 220 t\u1ef7 USD.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ph\u00e2n t\u00edch v\u1ec1 kh\u00eda c\u1ea1nh n\u00e0y, chuy\u00ean gia kinh t\u1ebf, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh: “\u0110\u00e2y l\u00e0 m\u1ed9t t\u01b0 duy l\u1eadp ph\u00e1p r\u1ea5t ti\u1ebfn b\u1ed9 v\u00e0 ti\u1ec7m c\u1eadn v\u1edbi xu h\u01b0\u1edbng t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf. Vi\u1ec7c lu\u1eadt h\u00f3a t\u00e0i s\u1ea3n s\u1ed1 l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m s\u1ebd t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c doanh nghi\u1ec7p th\u00e2m d\u1ee5ng c\u00f4ng ngh\u1ec7 bi\u1ebfn tri th\u1ee9c v\u00e0 d\u1eef li\u1ec7u th\u00e0nh ngu\u1ed3n v\u1ed1n l\u01b0u \u0111\u1ed9ng, th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o”.<\/p>\n

B\u00ean c\u1ea1nh d\u00f2ng v\u1ed1n, d\u1ef1 th\u1ea3o c\u0169ng \u0111\u1ed3ng b\u1ed9 c\u00e1c ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh n\u1ed9i b\u1ed9 t\u1ea1i \u0110i\u1ec1u 11, cho ph\u00e9p doanh nghi\u1ec7p tr\u00edch l\u1eadp qu\u1ef9 ph\u00e1t tri\u1ec3n khoa h\u1ecdc, c\u00f4ng ngh\u1ec7 v\u00e0 chuy\u1ec3n \u0111\u1ed5i s\u1ed1, h\u1ed7 tr\u1ee3 l\u1ed9 tr\u00ecnh \u0111\u1ea1t m\u1ee5c ti\u00eau to\u00e0n qu\u1ed1c c\u00f3 2 tri\u1ec7u doanh nghi\u1ec7p v\u00e0o n\u0103m 2030.<\/p>\n

\u0110\u1ed3ng th\u1eddi, \u0110i\u1ec1u 12 c\u1ee7a d\u1ef1 th\u1ea3o quy \u0111\u1ecbnh c\u00e1c t\u1ed5 ch\u1ee9c s\u1eed d\u1ee5ng ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc ph\u1ea3i d\u00e0nh t\u1ef7 l\u1ec7 t\u1ed1i thi\u1ec3u 20% ngu\u1ed3n ng\u00e2n s\u00e1ch ho\u1eb7c 20% s\u1ed1 l\u01b0\u1ee3ng g\u00f3i th\u1ea7u h\u1eb1ng n\u0103m \u0111\u1ec3 mua s\u1eafm s\u1ea3n ph\u1ea9m t\u1eeb kh\u1ed1i doanh nghi\u1ec7p n\u00e0y, t\u1ea1o \u0111\u1ea7u ra \u1ed5n \u0111\u1ecbnh cho th\u1ecb tr\u01b0\u1eddng n\u1ed9i \u0111\u1ecba.<\/p>\n

Th\u00e1ch th\u1ee9c \u0111\u1ecbnh gi\u00e1 v\u00e0 kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd v\u1ec1 “t\u00e0i s\u1ea3n \u1ea3o”<\/strong><\/h5>\n

M\u1eb7c d\u00f9 m\u1ee5c ti\u00eau mang \u00fd ngh\u0129a t\u00edch c\u1ef1c, nh\u01b0ng d\u01b0\u1edbi g\u00f3c \u0111\u1ed9 th\u1ef1c thi v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, c\u00e1c chuy\u00ean gia v\u00e0 lu\u1eadt s\u01b0 cho r\u1eb1ng quy \u0111\u1ecbnh n\u00e0y s\u1ebd v\u1ea5p ph\u1ea3i nh\u1eefng r\u00e0o c\u1ea3n k\u1ef9 thu\u1eadt r\u1ea5t l\u1edbn n\u1ebfu kh\u00f4ng c\u00f3 h\u1ea1 t\u1ea7ng ph\u00e1p l\u00fd \u0111\u1ed3ng b\u1ed9 \u0111i k\u00e8m.<\/p>\n

Ph\u00e2n t\u00edch v\u1ec1 nh\u1eefng n\u00fat th\u1eaft ph\u00e1p l\u00fd hi\u1ec7n h\u00e0nh, <\/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> n\u00eau \u00fd ki\u1ebfn: Kh\u00e1i ni\u1ec7m ph\u00e1p l\u00fd ch\u01b0a r\u00f5 r\u00e0ng: Hi\u1ec7n nay, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 Vi\u1ec7t Nam ch\u01b0a c\u00f3 \u0111\u1ecbnh ngh\u0129a ch\u00ednh th\u1ee9c v\u00e0 th\u1ed1ng nh\u1ea5t v\u1ec1 t\u00e0i s\u1ea3n s\u1ed1 hay t\u00e0i s\u1ea3n \u1ea3o. Khi ch\u01b0a \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn l\u00e0 m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n h\u1ee3p ph\u00e1p c\u00f3 quy\u1ec1n s\u1edf h\u1eefu tr\u1ecdn v\u1eb9n, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m.<\/em><\/h6>\n

R\u1ee7i ro bi\u1ebfn \u0111\u1ed9ng v\u00e0 \u0111\u1ecbnh gi\u00e1: T\u00e0i s\u1ea3n s\u1ed1, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n m\u00e3 h\u00f3a ho\u1eb7c d\u1eef li\u1ec7u m\u1ea1ng, c\u00f3 bi\u00ean \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb c\u1ef1c k\u1ef3 l\u1edbn v\u00e0 ch\u01b0a c\u00f3 t\u1ed5 ch\u1ee9c th\u1ea9m \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p \u0111\u1ec3 \u0111\u1ecbnh gi\u00e1 ch\u00ednh x\u00e1c lo\u1ea1i h\u00ecnh n\u00e0y.<\/p>\n

Kh\u1ea3 n\u0103ng x\u1eed l\u00fd t\u00e0i s\u1ea3n n\u1ee3 x\u1ea5u: Trong tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, vi\u1ec7c thu h\u1ed3i, ph\u00e1t m\u1ea1i ho\u1eb7c \u0111\u1ea5u gi\u00e1 m\u1ed9t ph\u1ea7n m\u1ec1m, m\u1ed9t quy\u1ec1n s\u1edf h\u1eefu tr\u00ed tu\u1ec7 hay t\u00e0i s\u1ea3n \u1ea3o \u0111\u1ec3 thu h\u1ed3i n\u1ee3 cho ng\u00e2n h\u00e0ng l\u00e0 quy tr\u00ecnh v\u00f4 c\u00f9ng ph\u1ee9c t\u1ea1p v\u00e0 g\u1ea7n nh\u01b0 ch\u01b0a c\u00f3 ti\u1ec1n l\u1ec7 trong h\u1ec7 th\u1ed1ng t\u00f2a \u00e1n v\u00e0 thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1.<\/p>\n

\u0110\u1ec3 quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng d\u1eebng l\u1ea1i \u1edf m\u1ee9c khuy\u1ebfn kh\u00edch tr\u00ean gi\u1ea5y, gi\u1edbi chuy\u00ean gia khuy\u1ebfn ngh\u1ecb c\u1ea7n ph\u1ea3i x\u00e2y d\u1ef1ng m\u1ed9t c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m ph\u00e1p l\u00fd (Sandbox) c\u00f3 ki\u1ec3m so\u00e1t, ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd gi\u1eefa B\u1ed9 T\u00e0i ch\u00ednh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 B\u1ed9 Th\u00f4ng tin v\u00e0 Truy\u1ec1n th\u00f4ng nh\u1eb1m ban h\u00e0nh b\u1ed9 ti\u00eau ch\u00ed ph\u00e2n lo\u1ea1i, \u0111\u1ecbnh gi\u00e1 v\u00e0 b\u1ea3o m\u1eadt t\u00e0i s\u1ea3n s\u1ed1 tr\u01b0\u1edbc khi \u00e1p d\u1ee5ng \u0111\u1ea1i tr\u00e0.<\/p>\n

D\u1ef1 th\u1ea3o Lu\u1eadt H\u1ed7 tr\u1ee3 DNNVV (s\u1eeda \u0111\u1ed5i) d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u01b0\u1ee3c tr\u00ecnh Qu\u1ed1c h\u1ed9i xem x\u00e9t t\u1ea1i k\u1ef3 h\u1ecdp di\u1ec5n ra v\u00e0o th\u00e1ng 10 n\u0103m nay. N\u1ebfu \u0111\u01b0\u1ee3c th\u00f4ng qua theo \u0111\u00fang l\u1ed9 tr\u00ecnh, c\u00e1c quy \u0111\u1ecbnh m\u1edbi c\u1ee7a \u0111\u1ea1o lu\u1eadt n\u00e0y s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1eeb ng\u00e0y 1\/7\/2027.<\/p>\n

Ph\u01b0\u01a1ng Ng\u00e2n<\/strong><\/p>\n

————-<\/em><\/p>\n

Doanh<\/em><\/strong> nghi\u1ec7p h\u1ed9i nh\u1eadp<\/em><\/strong> (Ph\u00e1p<\/em><\/strong> lu\u1eadt<\/em><\/strong>) ng\u00e0y <\/em><\/strong>25-5<\/em><\/strong>-2026:<\/em><\/strong><\/p>\n

https:\/\/doanhnghiephoinhap.vn\/doanh-nghiep-nho-va-vua-co-the-vay-von-bang-tai-san-so-137191.html<\/a><\/em><\/p>\n

(<\/em>96\/967<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u00f3 th\u1ec3 vay v\u1ed1n b\u1eb1ng t\u00e0i s\u1ea3n s\u1ed1. (DNHN) – T\u1ea1i d\u1ef1 th\u1ea3o Lu\u1eadt H\u1ed7 tr\u1ee3 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (s\u1eeda \u0111\u1ed5i), B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0a ra \u0111\u1ec1 xu\u1ea5t mang t\u00ednh \u0111\u1ed9t ph\u00e1 khi cho ph\u00e9p doanh nghi\u1ec7p s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n s\u1ed1, t\u00e0i s\u1ea3n \u1ea3o v\u00e0 quy\u1ec1n […]<\/p>\n","protected":false},"author":2,"featured_media":50006,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-50005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n4.285. Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u00f3 th\u1ec3 vay v\u1ed1n b\u1eb1ng t\u00e0i s\u1ea3n s\u1ed1. - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/?p=50005\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.285. Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u00f3 th\u1ec3 vay v\u1ed1n b\u1eb1ng t\u00e0i s\u1ea3n s\u1ed1.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u00f3 th\u1ec3 vay v\u1ed1n b\u1eb1ng t\u00e0i s\u1ea3n s\u1ed1. 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