{"id":5096,"date":"2005-11-02T17:14:32","date_gmt":"2005-11-02T10:14:32","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5096"},"modified":"2024-11-13T10:46:45","modified_gmt":"2024-11-13T03:46:45","slug":"75-van-de-lai-suat-co-ban-va-quy-dinh-lai-suat-cho-vay-khong-duoc-vuot-qua-150-lai-suat-co-ban","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/75-van-de-lai-suat-co-ban-va-quy-dinh-lai-suat-cho-vay-khong-duoc-vuot-qua-150-lai-suat-co-ban\/","title":{"rendered":"75. V\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n."},"content":{"rendered":"<h4><span style=\"color: #723918;\">V\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. <\/span><\/h4>\n<h5><strong>(TCNH) &#8211; B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01-01-2006, thay th\u1ebf B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995. M\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng trong su\u1ed1t 10 n\u0103m qua \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft m\u1ed9t c\u00e1ch c\u01a1 b\u1ea3n. Tuy nhi\u00ean, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 l\u1ea1i l\u00e0m ph\u00e1t sinh nh\u1eefng v\u01b0\u1edbng m\u1eafc m\u1edbi chung quanh v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t. \u0110\u00f3 l\u00e0 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd c\u1ee7a quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) v\u00e0 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n.<\/strong><\/h5>\n<h5><strong>C\u00e1c quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n<\/strong><\/h5>\n<p>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 8 \u0111i\u1ec1u kho\u1ea3n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh, bao g\u1ed3m:<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 305 v\u1ec1 &#8220;<em>Tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1<\/em>\u201d c\u00f3 quy \u0111\u1ecbnh: \u201c<em>Trong tr\u01b0\u1eddng h\u1ee3p b\u00ean c\u00f3 ngh\u0129a v\u1ee5 ch\u1eadm tr\u1ea3 ti\u1ec1n th\u00ec b\u00ean \u0111\u00f3 ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/em>\u201d;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 436 v\u1ec1 \u201c<em>Tr\u00e1ch nhi\u1ec7m do giao v\u1eadt kh\u00f4ng \u0111\u1ed3ng b\u1ed9<\/em>\u201d c\u00f3 quy \u0111\u1ecbnh: \u201c<em>Trong tr\u01b0\u1eddng h\u1ee3p b\u00ean mua \u0111\u00e3 tr\u1ea3 ti\u1ec1n nh\u01b0ng ch\u01b0a nh\u1eadn v\u1eadt do giao kh\u00f4ng \u0111\u1ed3ng b\u1ed9 th\u00ec \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n \u0111\u00e3 tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh\u2026.<\/em>\u201d;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 4 v\u00e0 5, \u0110i\u1ec1u 474 v\u1ec1 &#8220;<em>Ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean <\/em><em>vay<\/em>\u201d c\u00f3 quy \u0111\u1ecbnh: <em>\u201cTrong tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 n\u1ee3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3, n\u1ebfu c\u00f3 tho\u1ea3 thu\u1eadn.\u201d <\/em>v\u00e0<em> \u201cTrong tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i n\u1ee3 qu\u00e1 h\u1ea1n theo l\u00e3i su\u1ea5t<\/em> <em>c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3<\/em>.\u201d;<\/p>\n<p>&#8211;\u00a0 \u00a0 \u00a0Kho\u1ea3n 1 v\u00e0 2, \u0110i\u1ec1u 476 v\u1ec1 \u201c<em>L\u00e3i <\/em><em>su\u1ea5t<\/em>\u201d c\u00f3 quy \u0111\u1ecbnh: \u201c<em>L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng\u201d <\/em>v\u00e0<em> \u201cTrong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 l\u00e3i, nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t ho\u1eb7c c\u00f3 tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t th\u00ec \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3.\u201d;<\/em><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 576 v\u1ec1 \u201c<em>Tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/em>\u201d c\u00f3 quy \u0111\u1ecbnh: \u201c<em>Trong tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o hi\u1ec3m ch\u1eadm tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u00ec ph\u1ea3i tr\u1ea3 c\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3<\/em>.\u201d;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec1u 709 v\u1ec1 \u201c<em>Ch\u1eadm tr\u1ea3 ti\u1ec1n thu\u00ea quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t<\/em>\u201d c\u00f3 quy \u0111\u1ecbnh:<em> \u201cKhi b\u00ean thu\u00ea ch\u1eadm tr\u1ea3 ti\u1ec1n thu\u00ea quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t theo tho\u1ea3 thu\u1eadn th\u00ec b\u00ean cho thu\u00ea c\u00f3 th\u1ec3 gia h\u1ea1n; n\u1ebfu h\u1ebft th\u1eddi h\u1ea1n \u0111\u00f3 m\u00e0 b\u00ean thu\u00ea kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 th\u00ec b\u00ean cho thu\u00ea c\u00f3 quy\u1ec1n \u0111\u01a1n ph\u01b0\u01a1ng ch\u1ea5m d\u1ee9t th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng, y\u00eau c\u1ea7u b\u00ean thu\u00ea tr\u1ea3 l\u1ea1i \u0111\u1ea5t. B\u00ean cho thu\u00ea c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u b\u00ean thu\u00ea tr\u1ea3 \u0111\u1ee7 ti\u1ec1n trong th\u1eddi gian \u0111\u00e3 thu\u00ea k\u1ec3 c\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi kho\u1ea3n ti\u1ec1n ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n.<\/em>\u201d.<\/p>\n<p>Nh\u01b0 v\u1eady, l\u1ea7n \u0111\u1ea7u ti\u00ean l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u00e3 tr\u1edf th\u00e0nh c\u0103n c\u1ee9 ph\u00e1p l\u00fd ch\u00ednh th\u1ee9c \u0111\u1ec3 \u00e1p d\u1ee5ng cho c\u00e1c quan h\u1ec7 mua b\u00e1n, vay m\u01b0\u1ee3n, thanh to\u00e1n v\u00e0 trong nhi\u1ec1u linh v\u1ef1c kh\u00e1c. Trong l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, quy \u0111\u1ecbnh tr\u00ean c\u00f3 th\u1ec3 g\u00e2y \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, m\u00e0 c\u1ee5 th\u1ec3 l\u00e0 quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay.<\/p>\n<h5><strong>Vi\u1ec7c tri\u1ec3n khai l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n tr\u00ean th\u1ef1c t\u1ebf<\/strong><\/h5>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt NHNN Vi\u1ec7t Nam n\u0103m 1997 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2004), l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n <em>\u201cdo NHNN c\u00f4ng b\u1ed1 l\u00e0m c\u01a1 s\u1edf cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t kinh doanh<\/em>\u201d. Tuy nhi\u00ean cho \u0111\u1ebfn ng\u00e0y 02-08-2000, NHNN m\u1edbi ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh s\u1ed1 241\/2000\/Q\u0110-NHNN b\u1eaft \u0111\u1ea7u c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. T\u1eeb ng\u00e0y 05-8-2000 \u0111\u1ebfn ng\u00e0y 31-5-2002, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c c\u1ed9ng v\u1edbi bi\u00ean \u0111\u1ed9 t\u1eeb 0,3 &#8211; 0,5%\/th\u00e1ng \u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf t\u00ednh l\u00e3i su\u1ea5t cho vay \u0111\u1ed3ng Vi\u1ec7t Nam c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD).<\/p>\n<p>T\u1eeb ng\u00e0y 01-6-2002 \u0111\u1ebfn ng\u00e0y 31-12-2005, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f2n gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd v\u00e0 \u00fd ngh\u0129a th\u1ef1c t\u1ebf. V\u00ec theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 546\/2002\/Q\u0110-NHNN ng\u00e0y 30-5-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u201c<em>V\u1ec1 vi\u1ec7c th\u1ef1c hi\u1ec7n c\u01a1 ch\u1ebf l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/em>\u201d, th\u00ec c\u00e1c TCTD ho\u00e0n to\u00e0n kh\u00f4ng ph\u1ea3i ch\u1ecbu b\u1ea5t k\u1ef3 gi\u1edbi h\u1ea1n n\u00e0o v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay. Nh\u01b0 v\u1eady, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, m\u1eb7c d\u00f9 kh\u00f4ng c\u00f3 ch\u1ee7 \u0111\u00edch, nh\u01b0ng \u0111\u00e3 m\u1eb7c nhi\u00ean ch\u1ea5m d\u1ee9t giai \u0111o\u1ea1n t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t v\u00e0 \u0111i\u1ec1u h\u00e0nh l\u00e3i su\u1ea5t cho vay theo c\u01a1 ch\u1ebf t\u1ef1 tho\u1ea3 thu\u1eadn c\u1ee7a NHNN (xem Bi\u1ec3u \u0111\u1ed3 m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a).<\/p>\n<p>C\u00e1c quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u00e0ng th\u00e1ng c\u1ee7a NHNN trong th\u1eddi gian g\u1ea7n \u0111\u00e2y -ch\u1ec9 \u0111\u01b0\u1ee3c coi l\u00e0 quy\u1ebft \u0111\u1ecbnh c\u00e1 bi\u1ec7t, m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 do v\u1eady c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u0103ng C\u00f4ng b\u00e1o. L\u00fd do c\u00f3 th\u1ec3 l\u00e0: Th\u1ee9 nh\u1ea5t, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n kh\u00f4ng c\u00f3 \u00fd ngh\u0129a tr\u1ef1c ti\u1ebfp v\u00e0 b\u1eaft bu\u1ed9c \u0111i\u1ec1u ch\u1ec9nh c\u00e1c quan h\u1ec7 cho vay, thanh to\u00e1n c\u1ee7a b\u1ea5t k\u1ef3 \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o. Th\u1ee9 hai, n\u1ebfu l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, th\u00ec ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c sau 15 ng\u00e0y (ho\u1eb7c mu\u1ed9n h\u01a1n), k\u1ec3 t\u1eeb ng\u00e0y \u0111\u0103ng C\u00f4ng b\u00e1o. Nh\u01b0ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 h\u00e0ng th\u00e1ng, n\u1ebfu ch\u1edd \u0111\u0103ng C\u00f4ng b\u00e1o, th\u00ec ng\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c c\u0169ng s\u1ebd g\u1ea7n tr\u00f9ng v\u1edbi ng\u00e0y h\u1ebft hi\u1ec7u l\u1ef1c, th\u1eadm ch\u00ed sau ng\u00e0y h\u1ebft hi\u1ec7u l\u1ef1c.<\/p>\n<h5><strong>Y\u00eau c\u1ea7u m\u1edbi \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t v\u00e0 quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n<\/strong><\/h5>\n<p>T\u1eeb n\u0103m 2006 tr\u1edf \u0111i, v\u1edbi m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh n\u00f3i tr\u00ean c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh s\u1ebd ch\u00ednh th\u1ee9c tr\u1edf th\u00e0nh m\u1ed9t c\u0103n c\u1ee9 quan tr\u1ecdng v\u00e0 ph\u1ed5 bi\u1ebfn h\u00e0ng \u0111\u1ea7u \u0111\u1ec3 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch cho vay v\u00e0 thanh to\u00e1n.<\/p>\n<p>Nh\u01b0 v\u1eady, c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a NHNN \u0111\u00e3 v\u01b0\u1ee3t kh\u1ecfi ph\u1ea1m vi n\u1ed9i b\u1ed9 ng\u00e0nh Ng\u00e2n h\u00e0ng, m\u00e0 c\u00f3 gi\u00e1 tr\u1ecb \u00e1p d\u1ee5ng b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi c\u1ea3 n\u1ec1n kinh t\u1ebf x\u00e3 h\u1ed9i, \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh th\u01b0\u01a1ng m\u1ea1i, ng\u00e2n h\u00e0ng v\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1 kh\u00e1c. Do \u0111\u00f3, c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ph\u1ea3i tr\u1edd th\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c sau khi \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u0103ng C\u00f4ng b\u00e1o theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 75 v\u1ec1 \u201c<em>Th\u1eddi \u0111i\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt<\/em>\u201d c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 1996 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2002).<\/p>\n<p>Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 476 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, t\u1eeb ng\u00e0y 01-01-2006 tr\u1edf \u0111i, l\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng cho vay n\u00f3i chung, l\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng n\u00f3i ri\u00eang \u201c<em>do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1\u201d. <\/em>Trong th\u1eddi gian g\u1ea7n \u0111\u00e2y, c\u1ee5 th\u1ec3 l\u00e0 t\u1eeb th\u00e1ng 5 \u0111\u1ebfn th\u00e1ng 10-2005, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh l\u00e0 0,65%\/th\u00e1ng hay 7,8%\/n\u0103m. N\u1ebfu theo quy \u0111\u1ecbnh n\u00e0y, th\u00ec c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a l\u00e0 0,975%\/th\u00e1ng hay 11,7%\/n\u0103m. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u Ng\u00e2n h\u00e0ng \u0111ang cho vay \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 lo\u1ea1i Kh\u00e1ch h\u00e0ng cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y, th\u1eadm ch\u00ed c\u00e1 bi\u1ec7t l\u00ean t\u1edbi 1,3 &#8211; 1,5%\/th\u00e1ng hay 15-18%\/n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi 200-230% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Theo d\u1ef1 b\u00e1o c\u1ee7a B\u1ea3n tin Ng\u00e2n h\u00e0ng &#8211; T\u00e0i ch\u00ednh &#8211; Ti\u1ec1n t\u1ec7 (Trung t\u00e2m Th\u00f4ng tin Th\u01b0\u01a1ng m\u1ea1i) s\u1ed1 ra ng\u00e0y 26-9-2005, th\u00ec l\u00e3i su\u1ea5t huy \u0111\u1ed9ng trong nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m c\u00f3 th\u1ec3 l\u00ean t\u1edbi 10%\/n\u0103m, l\u00e3i su\u1ea5t cho vay c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 13-14% n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. N\u1ebfu gi\u1eef nguy\u00ean l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, th\u00ec t\u1eeb n\u0103m 2006 tr\u1edf \u0111i, r\u1ea5t nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng s\u1ebd c\u00f3 nguy c\u01a1 vi ph\u1ea1m nghi\u00eam tr\u1ecdng quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a. \u0110\u1eb7c bi\u1ec7t, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a ch\u01b0a \u0111\u1ebfn 1%\/th\u00e1ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n trong kinh doanh v\u00e0 d\u00e2n s\u1ef1 l\u00e0 qu\u00e1 xa r\u1eddi th\u1ef1c t\u1ebf.<\/p>\n<p>Nh\u01b0 v\u1eady, g\u00e1nh n\u1eb7ng tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd v\u1ec1 v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111ang \u0111\u00e8 n\u1eb7ng l\u00ean NHNN. V\u1edbi nh\u1eefng quy \u0111\u1ecbnh nh\u01b0 tr\u00ean c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ph\u1ea3i \u0111\u01b0\u1ee3c duy tr\u00ec m\u1ed9t c\u00e1ch ch\u00ednh th\u1ee9c, l\u00e2u d\u00e0i v\u00e0 ph\u00f9 h\u1ee3p nh\u1ea5t cho \u0111\u1ebfn khi c\u00f3 m\u1ed9t c\u01a1 ch\u1ebf kh\u00e1c thay th\u1ebf, d\u00f9 sau n\u00e0y kh\u00e1i ni\u1ec7m l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u00f3 hay kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c ghi nh\u1eadn trong Lu\u1eadt NHNN. C\u1ea7n tr\u00e1nh t\u00ecnh tr\u1ea1ng \u0111\u00e3 t\u1eebng x\u1ea3y ra: NHNN \u0111\u00e3 b\u00e3i b\u1ecf vi\u1ec7c quy \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m \u0111\u00fang 6 th\u00e1ng tr\u01b0\u1edbc khi c\u00e1c \u0111i\u1ec1u lu\u1eadt c\u0103n c\u1ee9 v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m do NHNN quy \u0111\u1ecbnh c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt. R\u1ed3i sau \u0111\u00f3 l\u00e0 vi\u1ec7c b\u00e3i b\u1ecf c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n c\u1ee7a NHNN trong khi c\u00f2n nhi\u1ec1u v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt l\u1ea5y l\u00e0m c\u0103n c\u1ee9. Nh\u1eefng vi\u1ec7c \u0111\u00f3 \u0111\u00e3 d\u1eabn t\u1edbi h\u1eadu qu\u1ea3 l\u00e0, trong nhi\u1ec1u n\u0103m qua, nh\u1eefng \u0111i\u1ec1u lu\u1eadt r\u1ea5t c\u1ea7n thi\u1ebft, c\u1ee5 th\u1ec3 v\u00e0 th\u1ef1c t\u1ebf trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 c\u0169ng nh\u01b0 trong m\u1ed9t s\u1ed1 \u0111\u1ea1o lu\u1eadt kh\u00e1c li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t \u0111\u00e3 tr\u1edf th\u00e0nh l\u1ea1c l\u00f5ng, kh\u00f3 hi\u1ec3u v\u00e0 v\u00f4 c\u0103n c\u1ee9.<\/p>\n<h5><strong>\u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb<\/strong><\/h5>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0 Th\u1ee9 nh\u1ea5t, c\u1ea7n s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 476 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, n\u00e2ng gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay t\u1eeb 150% l\u00ean 200% m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y l\u00e0 kh\u00f4ng kh\u1ea3 thi, v\u00ec kh\u00f4ng th\u1ec3 s\u1eeda ngay B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1eeba m\u1edbi \u0111\u01b0\u1ee3c th\u00f4ng qua. Th\u1ef1c t\u1ebf cho th\u1ea5y, nh\u1eefng ki\u1ebfn ngh\u1ecb t\u01b0\u01a1ng t\u1ef1 t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc c\u0169ng \u0111\u1ec1u ch\u01b0a \u0111\u01b0\u1ee3c xem x\u00e9t gi\u1ea3i quy\u1ebft.<a href=\"#_ftn2\" name=\"_ftnref2\">[1]<\/a><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0 Th\u1ee9 hai, gi\u1ea3i ph\u00e1p kh\u1ea3 thi h\u01a1n l\u00e0, NHNN c\u1ea7n t\u0103ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (c\u00f3 th\u1ec3 g\u1ea5p kho\u1ea3ng 1,5 l\u1ea7n so v\u1edbi hi\u1ec7n nay), \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 vay v\u1ed1n kh\u00e1c c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a l\u00ean t\u1edbi kho\u1ea3ng 1,5%\/th\u00e1ng (m\u1ee9c n\u00e0y c\u0169ng v\u1eabn l\u00e0 th\u1ea5p so v\u1edbi m\u1eb7t b\u1eb1ng vay v\u1ed1n b\u00ean ngo\u00e0i TCTD). Tuy vi\u1ec7c n\u00e0y \u00edt nhi\u1ec1u \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u1ee7 tr\u01b0\u01a1ng \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, nh\u01b0ng l\u00e0 gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho c\u00e1c giao d\u1ecbch vay v\u1ed1n trong x\u00e3 h\u1ed9i di\u1ec5n ra m\u1ed9t c\u00e1ch b\u00ecnh th\u01b0\u1eddng, t\u1ef1 do, ch\u00ednh \u0111\u00e1ng v\u00e0 h\u1ee3p ph\u00e1p.<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0 Th\u1ee9 ba, n\u1ebfu ch\u01b0a s\u1eeda \u0111\u1ed5i \u0111\u01b0\u1ee3c B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 c\u0169ng ch\u01b0a t\u0103ng \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, th\u00ec b\u00ean c\u1ea1nh vi\u1ec7c cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh, c\u00e1c TCTD c\u00f3 th\u1ec3 chuy\u1ec3n ho\u00e1 t\u1ea5t c\u1ea3 ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 (n\u1ebfu c\u00f3) v\u00e0o c\u00e1c lo\u1ea1i ph\u00ed cho vay. Tuy nhi\u00ean, nh\u01b0 v\u1eady s\u1ebd kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u00fang b\u1ea3n ch\u1ea5t kinh t\u1ebf v\u00e0 l\u00e0m m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7. H\u01a1n n\u1eefa, ph\u00ed cho vay ch\u1ec9 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn khi chi\u1ebfm \u0111\u1ebfn n\u0103m m\u01b0\u1eddi ph\u1ea7n tr\u0103m, ch\u1ee9 kh\u00f3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn khi chi\u1ebfm t\u1edbi v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m so v\u1edbi l\u00e3i su\u1ea5t. V\u00e0 vi\u1ec7c n\u00e0y c\u0169ng g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c \u0111\u1ed1i v\u1edbi nh\u1eefng giao d\u1ecbch vay v\u1ed1n b\u00ean ngo\u00e0i TCTD.<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0 Th\u1ee9 t\u01b0, c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u0103ng C\u00f4ng b\u00e1o. Tuy nhi\u00ean, nh\u01b0 \u0111\u00e3 ph\u00e2n t\u00edch \u1edf tr\u00ean, mu\u1ed1n nh\u1eefng quy\u1ebft \u0111\u1ecbnh n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c k\u1ecbp th\u1eddi, th\u00ec ph\u1ea3i s\u1eeda \u0111\u1ed5i, b\u1ed5 sung quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt. C\u1ee5 th\u1ec3 l\u00e0, cho ph\u00e9p m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n \u0111\u1eb7c bi\u1ec7t c\u1ee7a B\u1ed9 tr\u01b0\u1edfng, Th\u1ee7 tr\u01b0\u1edfng c\u01a1 quan ngang b\u1ed9, nh\u01b0 quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y c\u00f4ng b\u1ed1. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y l\u00e0 thi\u1ebfu th\u1ef1c t\u1ebf, v\u00ec ngo\u00e0i vi\u1ec7c ph\u1ea3i s\u1eeda \u0111\u1ed5i Lu\u1eadt, c\u00f2n l\u00fd do c\u01a1 b\u1ea3n l\u00e0, kh\u00f4ng b\u1ea3o \u0111\u1ea3m \u0111\u1ee7 th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng li\u00ean quan c\u00f3 th\u1ec3 n\u1eafm b\u1eaft th\u1ef1c hi\u1ec7n. Bi\u1ec7n ph\u00e1p kh\u1ea3 thi h\u01a1n l\u00e0, ban h\u00e0nh quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n r\u1ea5t s\u1edbm \u0111\u1ebf k\u1ecbp \u0111\u0103ng C\u00f4ng b\u00e1o v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0o \u0111\u00fang ng\u00e0y m\u00f9ng 1 h\u00e0ng th\u00e1ng. Nh\u01b0ng, c\u00f3 s\u1ef1 b\u1ea5t h\u1ee3p l\u00fd \u1edf ch\u1ed7, quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u1ee7a th\u00e1ng n\u00e0y l\u1ea1i lu\u00f4n ph\u1ea3i ban h\u00e0nh tr\u01b0\u1edbc \u0111\u00f3 kho\u1ea3ng m\u1ed9t th\u00e1ng. H\u01a1n n\u1eefa, vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u00e0ng th\u00e1ng c\u0169ng g\u00e2y ra nhi\u1ec1u kh\u00f3 kh\u0103n, ph\u1ee9c tr\u00ean th\u1ef1c t\u1ebf, v\u00ec ph\u1ea3i theo d\u00f5i th\u1ef1c hi\u1ec7n theo qu\u00e1 nhi\u1ec1u quy\u1ebft \u0111\u1ecbnh, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch b\u00ean ngo\u00e0i TCTD v\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ee5 vi\u1ec7c tranh ch\u1ea5p v\u1ec1 vay m\u01b0\u1ee3n, thanh to\u00e1n k\u00e9o d\u00e0i trong nhi\u1ec1u n\u0103m. Do v\u1eady, theo t\u00f4i, gi\u1ea3i ph\u00e1p h\u1ee3p l\u00fd nh\u1ea5t l\u00e0, NHNN n\u00ean b\u1ecf vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u00e0ng th\u00e1ng, m\u00e0 ch\u1ec9 c\u00f4ng b\u1ed1 khi n\u00e0o th\u1ea5y c\u1ea7n c\u00f3 s\u1ef1 thay \u0111\u1ed5i. Vi\u1ec7c \u0111\u0103ng C\u00f4ng b\u00e1o \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nh\u01b0 b\u00ecnh th\u01b0\u1eddng; n\u1ebfu c\u1ea7n thi\u1ebft, th\u00ec c\u00f3 th\u1ec3 \u0111\u1ec1 ngh\u1ecb V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7 \u01b0u ti\u00ean cho \u0111\u0103ng C\u00f4ng b\u00e1o m\u1ed9t c\u00e1ch s\u1edbm nh\u1ea5t.<\/p>\n<p>\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u00ad\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013\u2013<\/p>\n<p><strong><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">,<\/a> Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u0110\u0103ng l\u1ea1i:<\/strong><\/p>\n<p><a href=\"http:\/\/thongtinphapluatdansu.wordpress.com\/2008\/01\/08\/241\/\">http:\/\/thongtinphapluatdansu.wordpress.com\/2008\/01\/08\/241\/<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Trang Web Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n<p>&nbsp;<\/p>\n<table width=\"99%\">\n<tbody>\n<tr>\n<td>\n<h4><strong>V\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 11\/2005)<\/strong><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<h5><strong><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">,<\/a> Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong><\/h5>\n<p>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/01\/2006, thay th\u1ebf B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995. M\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (c\u0169) li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng trong su\u1ed1t 10 n\u0103m qua \u0111\u00e3 \u0111\u01b0\u1ee3c B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (m\u1edbi) gi\u1ea3i quy\u1ebft m\u1ed9t c\u00e1ch c\u01a1 b\u1ea3n. Tuy nhi\u00ean, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 l\u1ea1i l\u00e0m ph\u00e1t sinh nh\u1eefng v\u01b0\u1edbng m\u1eafc m\u1edbi xung quanh v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t. \u0110\u00f3 l\u00e0 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd c\u1ee7a quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) v\u00e0 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n.<\/p>\n<h5>1. C\u00e1c quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n<\/h5>\n<p>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 8 \u0111i\u1ec1u kho\u1ea3n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh, bao g\u1ed3m:<\/p>\n<p>&#8211; Kho\u1ea3n 2, \u0110i\u1ec1u 305 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1\u201d c\u00f3 quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p b\u00ean c\u00f3 ngh\u0129a v\u1ee5 ch\u1eadm tr\u1ea3 ti\u1ec1n th\u00ec b\u00ean \u0111\u00f3 ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.\u201d;<\/p>\n<p>&#8211; Kho\u1ea3n 2, \u0110i\u1ec1u 4 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m do giao v\u1eadt kh\u00f4ng \u0111\u1ed3ng b\u1ed9\u201d c\u00f3 quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p b\u00ean mua \u0111\u00e3 tr\u1ea3 ti\u1ec1n nh\u01b0ng ch\u01b0a nh\u1eadn v\u1eadt do giao kh\u00f4ng \u0111\u1ed3ng b\u1ed9 th\u00ec \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n \u0111\u00e3 tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh&#8230;\u201d;<\/p>\n<p>&#8211; Kho\u1ea3n 4 v\u00e0 5, \u0110i\u1ec1u 474 v\u1ec1 \u201cNgh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay\u201d c\u00f3 quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 n\u1ee3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3, n\u1ebfu c\u00f3 tho\u1ea3 thu\u1eadn.\u201d v\u00e0 \u201cTrong tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i n\u1ee3 qu\u00e1 h\u1ea1n theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3.\u201d;<\/p>\n<p>&#8211; Kho\u1ea3n 1 v\u00e0 2, \u0110i\u1ec1u 476 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d c\u00f3 quy \u0111\u1ecbnh: \u201cL\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng\u201d v\u00e0 \u201cTrong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 l\u00e3i, nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t ho\u1eb7c c\u00f3 tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t th\u00ec \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3.\u201d;<\/p>\n<p>&#8211; Kho\u1ea3n 2, \u0110i\u1ec1u 576 v\u1ec1 \u201cTr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m\u201d c\u00f3 quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o hi\u1ec3m ch\u1eadm tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u00ec ph\u1ea3i tr\u1ea3 c\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3.\u201d;<\/p>\n<p>&#8211; \u0110i\u1ec1u 709 v\u1ec1 \u201cCh\u1eadm tr\u1ea3 ti\u1ec1n thu\u00ea quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t\u201d c\u00f3 quy \u0111\u1ecbnh: \u201cKhi b\u00ean thu\u00ea ch\u1eadm tr\u1ea3 ti\u1ec1n thu\u00ea quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t theo tho\u1ea3 thu\u1eadn th\u00ec b\u00ean cho thu\u00ea c\u00f3 th\u1ec3 gia h\u1ea1n; n\u1ebfu h\u1ebft th\u1eddi h\u1ea1n \u0111\u00f3 m\u00e0 b\u00ean thu\u00ea kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 th\u00ec b\u00ean cho thu\u00ea c\u00f3 quy\u1ec1n \u0111\u01a1n ph\u01b0\u01a1ng ch\u1ea5m d\u1ee9t th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng, y\u00eau c\u1ea7u b\u00ean thu\u00ea tr\u1ea3 l\u1ea1i \u0111\u1ea5t. B\u00ean cho thu\u00ea c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u b\u00ean thu\u00ea tr\u1ea3 \u0111\u1ee7 ti\u1ec1n trong th\u1eddi gian \u0111\u00e3 thu\u00ea k\u1ec3 c\u1ea3 l\u00e3i \u0111\u1ed1i v\u1edbi kho\u1ea3n ti\u1ec1n ch\u1eadm tr\u1ea3 theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3 t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n.\u201d.<\/p>\n<p>Nh\u01b0 v\u1eady, l\u1ea7n \u0111\u1ea7u ti\u00ean l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u00e3 tr\u1edf th\u00e0nh c\u0103n c\u1ee9 ph\u00e1p l\u00fd ch\u00ednh th\u1ee9c \u0111\u1ec3 \u00e1p d\u1ee5ng cho c\u00e1c quan h\u1ec7 mua b\u00e1n, vay m\u01b0\u1ee3n, thanh to\u00e1n v\u00e0 trong nhi\u1ec1u linh v\u1ef1c kh\u00e1c. Trong l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, quy \u0111\u1ecbnh tr\u00ean c\u00f3 th\u1ec3 g\u00e2y \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, m\u00e0 c\u1ee5 th\u1ec3 l\u00e0 quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay.<\/p>\n<h5>2. Vi\u1ec7c tri\u1ec3n khai l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n tr\u00ean th\u1ef1c t\u1ebf<\/h5>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt NHNN Vi\u1ec7t Nam n\u0103m 1997 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2004), l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u201cdo NHNN c\u00f4ng b\u1ed1 l\u00e0m c\u01a1 s\u1edf cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t kinh doanh\u201d. Tuy nhi\u00ean cho \u0111\u1ebfn ng\u00e0y 02\/8\/2000, NHNN m\u1edbi ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh s\u1ed1 241\/2000\/Q\u0110-NHNN b\u1eaft \u0111\u1ea7u c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. T\u1eeb ng\u00e0y 05\/8\/2000 \u0111\u1ebfn ng\u00e0y 31\/5\/2002, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c c\u1ed9ng v\u1edbi bi\u00ean \u0111\u1ed9 t\u1eeb 0,3 &#8211; 0,5%\/th\u00e1ng \u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf t\u00ednh l\u00e3i su\u1ea5t cho vay \u0111\u1ed3ng Vi\u1ec7t Nam c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD).<\/p>\n<p>T\u1eeb ng\u00e0y 01\/6\/2002 \u0111\u1ebfn ng\u00e0y 31\/12\/2005, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f2n gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd v\u00e0 \u00fd ngh\u0129a th\u1ef1c t\u1ebf. V\u00ec theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 546\/2002\/Q\u0110-NHNN ng\u00e0y 30\/5\/2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u201cV\u1ec1 vi\u1ec7c th\u1ef1c hi\u1ec7n c\u01a1 ch\u1ebf l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d, th\u00ec c\u00e1c TCTD ho\u00e0n to\u00e0n kh\u00f4ng ph\u1ea3i ch\u1ecbu b\u1ea5t k\u1ef3 gi\u1edbi h\u1ea1n n\u00e0o v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay. Nh\u01b0 v\u1eady, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, m\u1eb7c d\u00f9 kh\u00f4ng c\u00f3 ch\u1ee7 \u0111\u00edch, nh\u01b0ng \u0111\u00e3 m\u1eb7c nhi\u00ean ch\u1ea5m d\u1ee9t giai \u0111o\u1ea1n t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t v\u00e0 \u0111i\u1ec1u h\u00e0nh l\u00e3i su\u1ea5t cho vay theo c\u01a1 ch\u1ebf t\u1ef1 tho\u1ea3 thu\u1eadn c\u1ee7a NHNN (xem Bi\u1ec3u \u0111\u1ed3 m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a).<\/p>\n<p>C\u00e1c quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u1eb1ng th\u00e1ng c\u1ee7a NHNN trong th\u1eddi gian g\u1ea7n \u0111\u00e2y ch\u1ec9 \u0111\u01b0\u1ee3c coi l\u00e0 quy\u1ebft \u0111\u1ecbnh c\u00e1 bi\u1ec7t, m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 do v\u1eady c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u0103ng C\u00f4ng b\u00e1o. L\u00fd do c\u00f3 th\u1ec3 l\u00e0: Th\u1ee9 nh\u1ea5t, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n kh\u00f4ng c\u00f3 \u00fd ngh\u0129a tr\u1ef1c ti\u1ebfp v\u00e0 b\u1eaft bu\u1ed9c \u0111i\u1ec1u ch\u1ec9nh c\u00e1c quan h\u1ec7 cho vay, thanh to\u00e1n c\u1ee7a b\u1ea5t k\u1ef3 \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o. Th\u1ee9 hai, n\u1ebfu l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, th\u00ec ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c sau 15 ng\u00e0y (ho\u1eb7c mu\u1ed9n h\u01a1n), k\u1ec3 t\u1eeb ng\u00e0y \u0111\u0103ng C\u00f4ng b\u00e1o. Nh\u01b0ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 h\u1eb1ng th\u00e1ng, n\u1ebfu ch\u1edd \u0111\u0103ng C\u00f4ng b\u00e1o, th\u00ec ng\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c c\u0169ng s\u1ebd g\u1ea7n tr\u00f9ng v\u1edbi ng\u00e0y h\u1ebft hi\u1ec7u l\u1ef1c, th\u1eadm ch\u00ed sau ng\u00e0y h\u1ebft hi\u1ec7u l\u1ef1c.<\/p>\n<h5>3. Y\u00eau c\u1ea7u m\u1edbi \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t v\u00e0 quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n<\/h5>\n<p>T\u1eeb n\u0103m 2006 tr\u1edf \u0111i, v\u1edbi m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh n\u00f3i tr\u00ean c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh s\u1ebd ch\u00ednh th\u1ee9c tr\u1edf th\u00e0nh m\u1ed9t c\u0103n c\u1ee9 quan tr\u1ecdng v\u00e0 ph\u1ed5 bi\u1ebfn h\u00e0ng \u0111\u1ea7u \u0111\u1ec3 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch cho vay v\u00e0 thanh to\u00e1n.<\/p>\n<p>Nh\u01b0 v\u1eady, c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a NHNN \u0111\u00e3 v\u01b0\u1ee3t kh\u1ecfi ph\u1ea1m vi n\u1ed9i b\u1ed9 ng\u00e0nh Ng\u00e2n h\u00e0ng, m\u00e0 c\u00f3 gi\u00e1 tr\u1ecb \u00e1p d\u1ee5ng b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi c\u1ea3 n\u1ec1n kinh t\u1ebf x\u00e3 h\u1ed9i, \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh th\u01b0\u01a1ng m\u1ea1i, ng\u00e2n h\u00e0ng v\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1 kh\u00e1c. Do \u0111\u00f3, c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ph\u1ea3i tr\u1edf th\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c sau khi \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u0103ng C\u00f4ng b\u00e1o theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 75 v\u1ec1 \u201cTh\u1eddi \u0111i\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt\u201d c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 1996 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2002).<\/p>\n<p>Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 476 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, t\u1eeb ng\u00e0y 01\/01\/2006 tr\u1edf \u0111i, l\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng cho vay n\u00f3i chung, l\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng n\u00f3i ri\u00eang \u201cdo c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1\u201d. Trong th\u1eddi gian g\u1ea7n \u0111\u00e2y, c\u1ee5 th\u1ec3 l\u00e0 t\u1eeb th\u00e1ng 5 \u0111\u1ebfn th\u00e1ng 10\/2005, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh l\u00e0 0,65%\/th\u00e1ng hay 7,8%\/n\u0103m. N\u1ebfu theo quy \u0111\u1ecbnh n\u00e0y, th\u00ec c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a l\u00e0 0,975%\/th\u00e1ng hay 11,7%\/n\u0103m. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111ang cho vay \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 lo\u1ea1i kh\u00e1ch h\u00e0ng cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y, th\u1eadm ch\u00ed c\u00e1 bi\u1ec7t l\u00ean t\u1edbi 1,3 &#8211; 1,5%\/th\u00e1ng hay 15 &#8211; 18%\/n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi 200 &#8211; 230% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Theo d\u1ef1 b\u00e1o c\u1ee7a B\u1ea3n tin Ng\u00e2n h\u00e0ng &#8211; T\u00e0i ch\u00ednh &#8211; Ti\u1ec1n t\u1ec7 (Trung t\u00e2m Th\u00f4ng tin Th\u01b0\u01a1ng m\u1ea1i) s\u1ed1 ra ng\u00e0y 26\/9\/2005, th\u00ec l\u00e3i su\u1ea5t huy \u0111\u1ed9ng trong nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m c\u00f3 th\u1ec3 l\u00ean t\u1edbi 10%\/n\u0103m, l\u00e3i su\u1ea5t cho vay c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 13 &#8211; 14% n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. N\u1ebfu gi\u1eef nguy\u00ean l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, th\u00ec t\u1eeb n\u0103m 2006 tr\u1edf \u0111i, r\u1ea5t nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng s\u1ebd c\u00f3 nguy c\u01a1 vi ph\u1ea1m nghi\u00eam tr\u1ecdng quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a. \u0110\u1eb7c bi\u1ec7t, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a ch\u01b0a \u0111\u1ebfn 1%\/th\u00e1ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n trong kinh doanh v\u00e0 d\u00e2n s\u1ef1 l\u00e0 qu\u00e1 xa r\u1eddi th\u1ef1c t\u1ebf.<\/p>\n<p>Nh\u01b0 v\u1eady, g\u00e1nh n\u1eb7ng tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd v\u1ec1 v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111ang \u0111\u00e8 n\u1eb7ng l\u00ean NHNN. V\u1edbi nh\u1eefng quy \u0111\u1ecbnh nh\u01b0 tr\u00ean c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ph\u1ea3i \u0111\u01b0\u1ee3c duy tr\u00ec m\u1ed9t c\u00e1ch ch\u00ednh th\u1ee9c, l\u00e2u d\u00e0i v\u00e0 ph\u00f9 h\u1ee3p nh\u1ea5t cho \u0111\u1ebfn khi c\u00f3 m\u1ed9t c\u01a1 ch\u1ebf kh\u00e1c thay th\u1ebf, d\u00f9 sau n\u00e0y kh\u00e1i ni\u1ec7m l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u00f3 hay kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c ghi nh\u1eadn trong Lu\u1eadt NHNN. C\u1ea7n tr\u00e1nh t\u00ecnh tr\u1ea1ng \u0111\u00e3 t\u1eebng x\u1ea3y ra: NHNN \u0111\u00e3 b\u00e3i b\u1ecf vi\u1ec7c quy \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m \u0111\u00fang 6 th\u00e1ng tr\u01b0\u1edbc khi c\u00e1c \u0111i\u1ec1u lu\u1eadt c\u0103n c\u1ee9 v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m do NHNN quy \u0111\u1ecbnh c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt. R\u1ed3i sau \u0111\u00f3 l\u00e0 vi\u1ec7c b\u00e3i b\u1ecf c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n c\u1ee7a NHNN trong khi c\u00f2n nhi\u1ec1u v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt l\u1ea5y l\u00e0m c\u0103n c\u1ee9. Nh\u1eefng vi\u1ec7c \u0111\u00f3 \u0111\u00e3 d\u1eabn t\u1edbi h\u1eadu qu\u1ea3 l\u00e0, trong nhi\u1ec1u n\u0103m qua, nh\u1eefng \u0111i\u1ec1u lu\u1eadt r\u1ea5t c\u1ea7n thi\u1ebft, c\u1ee5 th\u1ec3 v\u00e0 th\u1ef1c t\u1ebf trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 c\u0169ng nh\u01b0 trong m\u1ed9t s\u1ed1 \u0111\u1ea1o lu\u1eadt kh\u00e1c li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t \u0111\u00e3 tr\u1edf th\u00e0nh l\u1ea1c l\u00f5ng, kh\u00f3 hi\u1ec3u v\u00e0 v\u00f4 c\u0103n c\u1ee9.<\/p>\n<h5>4. \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb<\/h5>\n<p>Th\u1ee9 nh\u1ea5t, c\u1ea7n s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 476 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, n\u00e2ng gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay t\u1eeb 150% l\u00ean 200% m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y l\u00e0 kh\u00f4ng kh\u1ea3 thi, v\u00ec kh\u00f4ng th\u1ec3 s\u1eeda ngay B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1eeba m\u1edbi \u0111\u01b0\u1ee3c th\u00f4ng qua. Th\u1ef1c t\u1ebf cho th\u1ea5y, nh\u1eefng ki\u1ebfn ngh\u1ecb t\u01b0\u01a1ng t\u1ef1 t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc c\u0169ng \u0111\u1ec1u ch\u01b0a \u0111\u01b0\u1ee3c xem x\u00e9t gi\u1ea3i quy\u1ebft1.<\/p>\n<p>Th\u1ee9 hai, gi\u1ea3i ph\u00e1p kh\u1ea3 thi h\u01a1n l\u00e0, NHNN c\u1ea7n t\u0103ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (c\u00f3 th\u1ec3 g\u1ea5p kho\u1ea3ng 1,5 l\u1ea7n so v\u1edbi hi\u1ec7n nay), \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 vay v\u1ed1n kh\u00e1c c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a l\u00ean t\u1edbi kho\u1ea3ng 1,5%\/th\u00e1ng (m\u1ee9c n\u00e0y c\u0169ng v\u1eabn l\u00e0 th\u1ea5p so v\u1edbi m\u1eb7t b\u1eb1ng vay v\u1ed1n b\u00ean ngo\u00e0i TCTD). Tuy vi\u1ec7c n\u00e0y \u00edt nhi\u1ec1u \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u1ee7 tr\u01b0\u01a1ng \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, nh\u01b0ng l\u00e0 gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho c\u00e1c giao d\u1ecbch vay v\u1ed1n trong x\u00e3 h\u1ed9i di\u1ec5n ra m\u1ed9t c\u00e1ch b\u00ecnh th\u01b0\u1eddng, t\u1ef1 do, ch\u00ednh \u0111\u00e1ng v\u00e0 h\u1ee3p ph\u00e1p.<\/p>\n<p>Th\u1ee9 ba, n\u1ebfu ch\u01b0a s\u1eeda \u0111\u1ed5i \u0111\u01b0\u1ee3c B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 c\u0169ng ch\u01b0a t\u0103ng \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, th\u00ec b\u00ean c\u1ea1nh vi\u1ec7c cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN quy \u0111\u1ecbnh, c\u00e1c TCTD c\u00f3 th\u1ec3 chuy\u1ec3n ho\u00e1 t\u1ea5t c\u1ea3 ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 (n\u1ebfu c\u00f3) v\u00e0o c\u00e1c lo\u1ea1i ph\u00ed cho vay. Tuy nhi\u00ean, nh\u01b0 v\u1eady s\u1ebd kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u00fang b\u1ea3n ch\u1ea5t kinh t\u1ebf v\u00e0 l\u00e0m m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7. H\u01a1n n\u1eefa, ph\u00ed cho vay ch\u1ec9 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn khi chi\u1ebfm \u0111\u1ebfn n\u0103m m\u01b0\u1eddi ph\u1ea7n tr\u0103m, ch\u1ee9 kh\u00f3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn khi chi\u1ebfm t\u1edbi v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m so v\u1edbi l\u00e3i su\u1ea5t. V\u00e0 vi\u1ec7c n\u00e0y c\u0169ng g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c \u0111\u1ed1i v\u1edbi nh\u1eefng giao d\u1ecbch vay v\u1ed1n b\u00ean ngo\u00e0i TCTD.<\/p>\n<p>Th\u1ee9 t\u01b0, c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u0103ng C\u00f4ng b\u00e1o. Tuy nhi\u00ean, nh\u01b0 \u0111\u00e3 ph\u00e2n t\u00edch \u1edf tr\u00ean, mu\u1ed1n nh\u1eefng quy\u1ebft \u0111\u1ecbnh n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c k\u1ecbp th\u1eddi, th\u00ec ph\u1ea3i s\u1eeda \u0111\u1ed5i, b\u1ed5 sung quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt. C\u1ee5 th\u1ec3 l\u00e0, cho ph\u00e9p m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n \u0111\u1eb7c bi\u1ec7t c\u1ee7a B\u1ed9 tr\u01b0\u1edfng, Th\u1ee7 tr\u01b0\u1edfng c\u01a1 quan ngang b\u1ed9, nh\u01b0 quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y c\u00f4ng b\u1ed1. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y l\u00e0 thi\u1ebfu th\u1ef1c t\u1ebf, v\u00ec ngo\u00e0i vi\u1ec7c ph\u1ea3i s\u1eeda \u0111\u1ed5i Lu\u1eadt, c\u00f2n l\u00fd do c\u01a1 b\u1ea3n l\u00e0, kh\u00f4ng b\u1ea3o \u0111\u1ea3m \u0111\u1ee7 th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng li\u00ean quan c\u00f3 th\u1ec3 n\u1eafm b\u1eaft th\u1ef1c hi\u1ec7n. Bi\u1ec7n ph\u00e1p kh\u1ea3 thi h\u01a1n l\u00e0, ban h\u00e0nh quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n r\u1ea5t s\u1edbm \u0111\u1ec3 k\u1ecbp \u0111\u0103ng C\u00f4ng b\u00e1o v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0o \u0111\u00fang ng\u00e0y m\u00f9ng 1 h\u1eb1ng th\u00e1ng. Nh\u01b0ng, c\u00f3 s\u1ef1 b\u1ea5t h\u1ee3p l\u00fd \u1edf ch\u1ed7, quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u1ee7a th\u00e1ng n\u00e0y l\u1ea1i lu\u00f4n ph\u1ea3i ban h\u00e0nh tr\u01b0\u1edbc \u0111\u00f3 kho\u1ea3ng m\u1ed9t th\u00e1ng. H\u01a1n n\u1eefa, vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u1eb1ng th\u00e1ng c\u0169ng g\u00e2y ra nhi\u1ec1u kh\u00f3 kh\u0103n, ph\u1ee9c t\u1ea1p tr\u00ean th\u1ef1c t\u1ebf, v\u00ec ph\u1ea3i theo d\u00f5i th\u1ef1c hi\u1ec7n theo qu\u00e1 nhi\u1ec1u quy\u1ebft \u0111\u1ecbnh, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch b\u00ean ngo\u00e0i TCTD v\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ee5 vi\u1ec7c tranh ch\u1ea5p v\u1ec1 vay m\u01b0\u1ee3n, thanh to\u00e1n k\u00e9o d\u00e0i trong nhi\u1ec1u n\u0103m. Do v\u1eady, theo t\u00f4i, gi\u1ea3i ph\u00e1p h\u1ee3p l\u00fd nh\u1ea5t l\u00e0, NHNN n\u00ean b\u1ecf vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u1eb1ng th\u00e1ng, m\u00e0 ch\u1ec9 c\u00f4ng b\u1ed1 khi n\u00e0o th\u1ea5y c\u1ea7n c\u00f3 s\u1ef1 thay \u0111\u1ed5i. Vi\u1ec7c \u0111\u0103ng C\u00f4ng b\u00e1o \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nh\u01b0 b\u00ecnh th\u01b0\u1eddng; n\u1ebfu c\u1ea7n thi\u1ebft, th\u00ec c\u00f3 th\u1ec3 \u0111\u1ec1 ngh\u1ecb V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7 \u01b0u ti\u00ean cho \u0111\u0103ng C\u00f4ng b\u00e1o m\u1ed9t c\u00e1ch s\u1edbm nh\u1ea5t.<\/p>\n<p>_______________________________________________<\/p>\n<p>(1) Xem b\u00e0i \u201cV\u1ea5n \u0111\u1ec1 nan gi\u1ea3i khi \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng\u201d, T\u1ea1p ch\u00ed Th\u1ecb tr\u01b0\u1eddng &#8211; T\u00e0i ch\u00ednh &#8211; Ti\u1ec1n t\u1ec7 s\u1ed1 3\/1998 v\u00e0 \u201cM\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd gi\u1eefa l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt\u201d, T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 Chuy\u00ean \u0111\u1ec1, th\u00e1ng 7-1999 (LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c).<\/p>\n<p>(Ng\u00e0y 23\/12\/2005)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><strong><em><u>\u0110\u0103ng tr\u00ean chuy\u00ean m\u1ee5c \u201cNh\u1eefng v\u1ea5n \u0111\u1ec1 chung v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng l\u1edbn\u201d, T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 11\/2005<\/u><\/em><\/strong><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[1]<\/a> Xem b\u00e0i \u201cV\u1ea5n \u0111\u1ec1 nan gi\u1ea3i khi \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t Ng\u00e2n h\u00e0ng\u201d, T\u1ea1p ch\u00ed Th\u1ecb tr\u01b0\u1eddng &#8211; T\u00e0i ch\u00ednh &#8211; Ti\u1ec1n t\u1ec7 s\u1ed1 3\/1998 v\u00e0 \u201cM\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd gi\u1eefa l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt\u201d, T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 Chuy\u00ean \u0111\u1ec1, th\u00e1ng 7-1999 (LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c).","protected":false},"excerpt":{"rendered":"<p>V\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. (TCNH) &#8211; B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01-01-2006, thay th\u1ebf B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995. M\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh b\u1ea5t c\u1eadp c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5097,"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-5096","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":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>75. V\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n.  - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. 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