{"id":5048,"date":"2001-04-02T16:10:49","date_gmt":"2001-04-02T09:10:49","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5048"},"modified":"2024-11-14T15:51:32","modified_gmt":"2024-11-14T08:51:32","slug":"61-van-de-dam-bao-tien-vay-trong-nghiep-vu-cho-vay-doi-voi-cbcnv","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/61-van-de-dam-bao-tien-vay-trong-nghiep-vu-cho-vay-doi-voi-cbcnv\/","title":{"rendered":"61. V\u1ea5n \u0111\u1ec1 \u0111\u1ea3m b\u1ea3o ti\u1ec1n vay trong nghi\u1ec7p v\u1ee5 cho vay \u0111\u1ed1i v\u1edbi CBCNV"},"content":{"rendered":"(TCNH) – Nghi\u1ec7p v\u1ee5 cho vay \u0111\u1ed1i v\u1edbi c\u00e1n b\u1ed9 c\u00f4ng nh\u00e2n vi\u00ean (CBCNV) hi\u1ec7n nay c\u00f3 hay kh\u00f4ng ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n \u0111ang l\u00e0 v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u00f5 v\u00e0 g\u00e2y ra v\u01b0\u1edbng m\u1eafc cho c\u00e1c ng\u00e2n h\u00e0ng.<\/strong><\/p>\n

Li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y, T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 10\/2000 c\u00f3 \u0111\u0103ng b\u00e0i \u201c\u0110\u1ed1i t\u01b0\u1ee3ng cho vay v\u00e0 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay trong th\u1ec3 l\u1ec7 cho vay \u0111\u1ed1i v\u1edbi c\u00e1n b\u1ed9 c\u00f4ng nh\u00e2n vi\u00ean<\/em>\u201d c\u1ee7a t\u00e1c gi\u00e1 B\u00f9 Quang Ch\u00ednh.<\/p>\n

T\u00f4i xin trao \u0111\u1ed5i v\u1ec1 hai v\u1ea5n \u0111\u1ec1 trong b\u00e0i vi\u1ebft n\u00f3i tr\u00ean:<\/h5>\n

Th\u1ee9 nh\u1ea5t: V\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay:<\/em> T\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft cho r\u1eb1ng, g\u1ed3m c\u00f3 2 lo\u1ea1i: B\u1ea3o \u0111\u1ea3m th\u1ee9 nh\u1ea5t v\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 thu nh\u1eadp t\u1ea1i c\u01a1 quan, doanh nghi\u1ec7p; b\u1ea3o \u0111\u1ea3m th\u1ee9 hai l\u00e0 thu nh\u1eadp t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n vay v\u00e0 c\u00e1c thu nh\u1eadp kh\u00e1c.<\/p>\n

Th\u1ee9 hai: V\u1ec1 th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edf:<\/em> T\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft cho r\u1eb1ng, ch\u1ec9 c\u1ea7n c\u00e1c th\u00f4ng tin v\u1ec1 ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 y\u00eau c\u1ea7u ng\u01b0\u1eddi vay cam k\u1ebft s\u1eed d\u1ee5ng ti\u1ec1n vay kh\u00f4ng tr\u00e1i v\u1edbi ph\u00e1p lu\u1eadt. Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 ph\u01b0\u01a1ng s\u00e1n SXKD, ph\u01b0\u01a1ng \u00e1n ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng l\u00e0 qu\u00e1 m\u00e1y m\u00f3c, l\u1eabn l\u1ed9n v\u1edbi c\u00e1c lo\u1ea1i cho vay kh\u00e1c.<\/p>\n

V\u00e2y, ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 \u0111\u00f3? Theo c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n nay c\u1ee7a ph\u00e1p lu\u1eadt, th\u00ec CBCNV \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng vay v\u1ed1n nh\u01b0 sau:<\/p>\n

+ Kh\u00f4ng thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n theo ch\u1ec9 \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i M\u1ee5c II, Ch\u01b0\u01a1ng IV, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD (ch\u1ec9 \u00e1p d\u1ee5ng trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t v\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c TCTC Nh\u00e0 n\u01b0\u1edbc);<\/p>\n

+ Kh\u00f4ng thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 67\/1999\/Q\u0110-TTg ng\u00e0y 30-3-1999 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 m\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p v\u00e0 n\u00f4ng th\u00f4n;<\/p>\n

+ Kh\u00f4ng thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng cho vay \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh b\u1eb1ng t\u00edn ch\u1ea5p c\u1ee7a t\u1ed5 ch\u1ee9c \u0111o\u00e0n th\u1ec3 ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i theo quy \u0111\u1ecbnh t\u1ea1i M\u1ee5c III, Ch\u01b0\u01a1ng IV, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 (ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n ngh\u00e8o, h\u1ed9 gia \u0111\u00ecnh ngh\u00e8o vay m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ecf).<\/p>\n

V\u00e0 nh\u01b0 v\u1eady, c\u00e1c TCTD ch\u1ec9 c\u00f3 th\u1ec3 cho CBCNV vay v\u1ed1n theo m\u1ed9t trong hai tr\u01b0\u1eddng h\u1ee3p sau:<\/h5>\n

Tr\u01b0\u1eddng h\u1ee3p 1:<\/em> Cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh (ngo\u00e0i ti\u1ec1n l\u01b0\u01a1ng v\u00e0 thu nh\u1eadp th\u01b0\u1eddng xuy\u00ean); ho\u1eb7c c\u00f3 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n v\u1ed1n (ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi cho vay trung, d\u00e0i h\u1ea1n);<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p 2:<\/em> Cho vay kh\u00f4ng cso t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

V\u00e0 trong c\u1ea3 hai tr\u01b0\u1eddng h\u1ee3p cho vay n\u00f3i tr\u00ean, \u0111\u1ec1u ph\u1ea3i th\u1ef1c hi\u1ec7n theo \u0111\u00fang quy \u0111\u1ecbnh t\u1ea1i Quy ch\u1ebf Cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 284\/2000\/Q\u0110-NHNN1 ng\u00e0y 25-8-2000 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN (tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 324\/1998\/Q\u0110-NHNN1 ng\u00e0y 30-9-1998).<\/p>\n

Trong b\u00e0i vi\u1ebft tr\u00ean, t\u00e1c gi\u1ea3 n\u00ean ra m\u1ee5c \u201cb\u1ea3o \u0111\u1ea3m ti\u1ec1n vay<\/em>\u201d nh\u01b0ng l\u1ea1i ch\u1ec9 nh\u1eafc \u0111\u1ebfn b\u1ea3o \u0111\u1ea3m b\u1eb1ng thu nh\u1eadp c\u1ee7a CBCNV. Theo c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n nay, th\u00ec thu nh\u1eadp c\u1ee7a CBCNV ch\u1ec9 l\u00e0 ngu\u1ed3n thu \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c tr\u1ea3 n\u1ee3 ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay. \u0110\u00f3 l\u00e0 ngu\u1ed3n thu d\u1ef1 ki\u1ebfn trong t\u01b0\u01a1ng lai v\u00e0 s\u1ebd b\u1ecb m\u1ea5t ho\u1eb7c h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f2n n\u1ebfu CBCNV b\u1ecb ch\u1ebft, b\u1ecb sa th\u1ea3i (bu\u1ed9c th\u00f4i vi\u1ec7c), \u1ed1m \u0111au, ho\u1ea1n n\u1ea1n hay doanh nghi\u1ec7p b\u1ecb thua l\u1ed7. ph\u00e1 s\u1ea3n.<\/p>\n

N\u1ebfu cho vay \u0111\u00fang t\u00ednh ch\u1ea5t \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 CBCNV, th\u00ec ph\u1ea3i c\u0103n c\u1ee9 v\u00e0o c\u00e1c v\u0103n b\u1ea3n sau:<\/h5>\n

– \u0110i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 20 v\u00e0 kho\u1ea3n 2, \u0110i\u1ec1u 21, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD;<\/p>\n

– M\u1ee5c 1, Ch\u01b0\u01a1ng IV, Th\u00f4ng t\u01b0 s\u1ed1 06\/2000\/TT-NHNN1 ngyaf 04-4-2000 c\u1ee7a Th\u00f4ng s\u0111\u1ed1c NHNN hdx th\u1ef1c hi\u1ec7n Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999;<\/p>\n

–\u00a0 C\u00f4ng v\u0103n s\u1ed1 34\/CV-NHNN1 ng\u00e0y 07-01-2000 c\u1ee7a NHNN v\u1ec1 vi\u1ec7c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi CBCNV v\u00e0 thu n\u1ee3 t\u1eeb ti\u1ec1n l\u01b0\u01a1ng, tr\u1ee3 c\u1ea5p v\u00e0 c\u00e1c kho\u1ea3n thu nh\u1eadp kh\u00e1c;<\/p>\n

– C\u00f4ng v\u0103n s\u1ed1 98\/CV-NHNN1 ng\u00e0y 28-01-2000 c\u1ee7a NHNN v\u1ec1 vi\u1ec7c h\u01b0\u1edbng d\u1eabn m\u1ed9t s\u1ed1 \u0111i\u1ec3m c\u1ee7a v\u0103n b\u1ea3n s\u1ed1 34\/CV-NHNN1 ng\u00e0y 07-01-2000;<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 107\/Q\u0110-NHNN1 ng\u00e0y 04-4-2000 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN v\u1ec1 vi\u1ec7c quy \u0111\u1ecbnh m\u1ee9c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi Ng\u00e2n h\u00e0ng qu\u1ed1c doanh, Chi nh\u00e1nh Ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam, C\u00f4ng ty t\u00e0i ch\u00ednh trong T\u1ed5ng C\u00f4ng ty Nh\u00e0 n\u01b0\u1edbc v\u00e0 Ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ngh\u00e8o;<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 266\/Q\u0110-NHNN1 ng\u00e0y 18-8-2000 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN v\u1ec1 vi\u1ec7c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi NHTM c\u1ed5 ph\u1ea7n, C\u00f4ng ty t\u00e0i ch\u00ednh c\u1ed3 ph\u1ea7n v\u00e0 Ng\u00e2n h\u00e0ng li\u00ean doanh.<\/p>\n

Theo c\u00e1c v\u0103n b\u1ea3n tr\u00ean, th\u00ec vi\u1ec7c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi CBCNV n\u00f3i ri\u00eang v\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng n\u00f3i chung ph\u1ea3i tu\u00e2n theo nh\u1eefng \u0111i\u1ec1u ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh. V\u00ed d\u1ee5, c\u00e1c NHTM c\u1ed5 ph\u1ea7n, C\u00f4ng ty t\u00e0i ch\u00ednh c\u1ed5 ph\u1ea7n v\u00e0 Ng\u00e2n h\u00e0ng li\u00ean doanh ch\u1ec9 \u0111\u01b0\u1ee3c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n n\u1ebfu c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u (bao g\u1ed3m n\u1ee3 qu\u00e1 h\u1ea1n c\u00f3 kh\u1ea3 n\u0103ng thu h\u00f4i, n\u1ee3 kh\u00f3 \u0111\u00f2i, c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u ch\u1edd x\u1eed l\u00fd, n\u1ee3 cho vay \u0111\u01b0\u1ee3c khoanh \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n tr\u00ean B\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n h\u1eb1ng th\u00e1ng) d\u01b0\u1edbi 5% t\u00ednh tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3 cho vay. Do \u0111\u00f3 tr\u00ean th\u1ef1c t\u1ebf h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n. C\u00e1c ng\u00e2n h\u00e0ng n\u00e0y bu\u1ed9c ph\u1ea3i \u00e1p d\u1ee5ng ch\u1ebf \u0111\u1ed9 cho vay CBCNV nh\u01b0 \u0111\u1ed1i v\u1edbi m\u1ecdi c\u00e1 nh\u00e2n vay v\u1ed1n ph\u1ee5c v\u1ee5 m\u1ee5c \u0111\u00edch SXKD v\u00e0 ti\u00eau d\u00f9ng kh\u00e1c. N\u1ebfu ng\u00e2n h\u00e0ng n\u00e0o kh\u00f4ng t\u00ednh d\u01b0 n\u1ee3 cho vay \u0111\u1ed1i v\u1edbi CBCNV (theo h\u01b0\u1edbng d\u1eabn t\u1ea1i C\u00f4ng v\u0103n s\u1ed1 34\/CV-NHNN1 ng\u00e0y 07-01-2000) v\u00e0 d\u01b0 n\u1ee3 cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay. C\u0169ng l\u00e0 cho vay \u0111\u1ed1i v\u1edbi CBCNV v\u00e0 thu n\u1ee3 t\u1eeb ngu\u1ed3n thu nh\u1eadp th\u01b0\u1eddng xuy\u00ean, nh\u01b0ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng t\u00e0i s\u1ea3n ho\u1eb7c h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay kh\u00f4ng b\u1eb1ng t\u00e0i s\u1ea3n. Do \u0111\u00f3, vi\u1ec7c t\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft n\u00f3i tr\u00ean cho r\u1eb1ng g\u1ed3m c\u00f3 2 lo\u1ea1i b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay: B\u00e0o \u0111\u1ea3m th\u1ee9 nh\u1ea5t<\/em> l\u00e0 thu nh\u1eadp t\u1ea1i c\u01a1 quan, b\u1ea3o \u0111\u1ea3m th\u1ee9 hai<\/em> l\u00e0 thu nh\u1eadp t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n vay v\u00e0 c\u00e1c thu nh\u1eadp kh\u00e1c l\u00e0 ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ch\u00ednh x\u00e1c.<\/p>\n

\u0110i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 20, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999; C\u00f4ng v\u0103n s\u1ed1 34\/CV-NHNN1 ng\u00e0y 07-01-2000; C\u00f4ng v\u0103n s\u1ed1 98\/CV-NHNN1 ng\u00e0y 28-01-2000 v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 06\/2000\/TT-NHNN1 ng\u00e0y 04-4-2000 n\u00f3i tr\u00ean c\u0169ng \u0111\u00e3 n\u00eau r\u00f5 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi CBCNV l\u00e0 ph\u1ea3i \u201cC\u00f3 d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 ho\u1eb7c ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t, kinh doanh, d\u1ecbch v\u1ee5 kh\u1ea3 thi v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3 n\u1ee3; ho\u1eb7c c\u00f3 d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng kh\u1ea3 thi ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d. Nh\u01b0 v\u1eady, kh\u00f4ng th\u1ec3 k\u1ebft lu\u1eadn nh\u01b0 t\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft n\u00f3i tr\u00ean l\u00e0: Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 ph\u01b0\u01a1ng \u00e1n SXKD, ph\u01b0\u01a1ng \u00e1n ph\u1ee5c v\u1ee5 s\u1eddi s\u1ed1ng l\u00e0 \u201cqu\u00e1 m\u00e1y m\u00f3c, l\u1eabn l\u1ed9n v\u1edbi c\u00e1c lo\u1ea1i cho vay kh\u00e1c<\/em>\u201d. \u0110\u1eb7c bi\u1ec7t, trong tr\u01b0\u1eddng h\u1ee3p, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng cho vay \u0111\u1ed1i v\u1edbi CBCNV v\u00e0 thu n\u1ee3 ch\u1ee7 y\u1ebfu b\u1eb1ng ngu\u1ed3n thu nh\u1eadp, nh\u01b0ng ph\u1ea3i th\u1ef1c hi\u1ec7n vi\u1ec7c b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n, th\u00ec c\u00e0ng ph\u1ea3i th\u1ef1c hi\u1ec7n theo \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh trong vi\u1ec7c y\u00eau c\u1ea7u ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 ph\u01b0\u01a1ng \u00e1n \u00e1n SXKD, ph\u01b0\u01a1ng \u00e1n ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng.<\/p>\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

B\u00e0i \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 4\/2001:<\/em><\/strong>","protected":false},"excerpt":{"rendered":"

(TCNH) – Nghi\u1ec7p v\u1ee5 cho vay \u0111\u1ed1i v\u1edbi c\u00e1n b\u1ed9 c\u00f4ng nh\u00e2n vi\u00ean (CBCNV) hi\u1ec7n nay c\u00f3 hay kh\u00f4ng ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n \u0111ang l\u00e0 v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u00f5 v\u00e0 g\u00e2y ra v\u01b0\u1edbng m\u1eafc cho c\u00e1c ng\u00e2n h\u00e0ng. Li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y, T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng […]<\/p>\n","protected":false},"author":7,"featured_media":5049,"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-5048","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":"\n61. V\u1ea5n \u0111\u1ec1 \u0111\u1ea3m b\u1ea3o ti\u1ec1n vay trong nghi\u1ec7p v\u1ee5 cho vay \u0111\u1ed1i v\u1edbi CBCNV - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Nghi\u1ec7p v\u1ee5 cho vay \u0111\u1ed1i v\u1edbi c\u00e1n b\u1ed9 c\u00f4ng nh\u00e2n vi\u00ean (CBCNV) hi\u1ec7n nay c\u00f3 hay kh\u00f4ng ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ea3m b\u1ea3o ti\u1ec1n vay b\u1eb1ng t\u00e0i s\u1ea3n?\" \/>\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\/61-van-de-dam-bao-tien-vay-trong-nghiep-vu-cho-vay-doi-voi-cbcnv\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]61. V\u1ea5n \u0111\u1ec1 \u0111\u1ea3m b\u1ea3o ti\u1ec1n vay trong nghi\u1ec7p v\u1ee5 cho vay \u0111\u1ed1i v\u1edbi CBCNV[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Nghi\u1ec7p v\u1ee5 cho vay \u0111\u1ed1i v\u1edbi c\u00e1n b\u1ed9 c\u00f4ng nh\u00e2n vi\u00ean (CBCNV) hi\u1ec7n nay c\u00f3 hay kh\u00f4ng ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ea3m b\u1ea3o ti\u1ec1n vay b\u1eb1ng t\u00e0i s\u1ea3n?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/61-van-de-dam-bao-tien-vay-trong-nghiep-vu-cho-vay-doi-voi-cbcnv\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2001-04-02T09:10:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-14T08:51:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/png-transparent-huquqiy-munosabatlar-american-civil-war-joke-civil-law-concept-others-mammal-cartoon-law.png\" \/>\n\t<meta property=\"og:image:width\" content=\"920\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/61-van-de-dam-bao-tien-vay-trong-nghiep-vu-cho-vay-doi-voi-cbcnv\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/61-van-de-dam-bao-tien-vay-trong-nghiep-vu-cho-vay-doi-voi-cbcnv\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"61. 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