{"id":5127,"date":"2008-06-18T17:51:26","date_gmt":"2008-06-18T10:51:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5127"},"modified":"2024-11-13T09:27:21","modified_gmt":"2024-11-13T02:27:21","slug":"82-luat-le-lat-leo-bop-meo-thi-truong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/82-luat-le-lat-leo-bop-meo-thi-truong\/","title":{"rendered":"82. Lu\u1eadt l\u1ec7 l\u1eaft l\u00e9o, b\u00f3p m\u00e9o th\u1ecb tr\u01b0\u1eddng."},"content":{"rendered":"<h4><span style=\"color: #723918;\">Lu\u1eadt l\u1ec7 l\u1eaft l\u00e9o, b\u00f3p m\u00e9o th\u1ecb tr\u01b0\u1eddng.<\/span><\/h4>\n<h5><strong><em>(NQL) &#8211; L\u00e3i su\u1ea5t kh\u00f4ng ch\u1ec9 l\u00e0 \u201cm\u00f3n ch\u00ednh\u201d c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, m\u00e0 c\u00f2n l\u00e0 \u201cth\u1ef1c \u0111\u01a1n\u201d c\u1ee7a m\u1ed9t n\u1ec1n kinh t\u1ebf 80 tri\u1ec7u d\u00e2n. Th\u1ebf nh\u01b0ng, lu\u1eadt l\u1ec7 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t \u0111\u00e3 bao l\u1ea7n r\u01a1i v\u00e0o t\u00ecnh c\u1ea3nh l\u1eaft l\u00e9o, tr\u00e9o ngoe v\u00e0 b\u1ea5t kh\u1ea3 thi. Nh\u00e0 qu\u1ea3n l\u00fd \u0111au \u0111\u1ea7u, d\u00e2n ch\u00fang hoang mang, ng\u00e2n h\u00e0ng lo s\u1ee3. <\/em><\/strong><\/h5>\n<h5><strong>B\u1ed9 lu\u1eadt ng\u00e3 v\u1eadt tr\u01b0\u1edbc&#8230; B\u1ed9, Ng\u00e0nh (!?)<\/strong><\/h5>\n<p>L\u00e3i su\u1ea5t l\u00e0 ch\u1ec9 s\u1ed1 \u0111o l\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a n\u1ec1n kinh t\u1ebf. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 v\u00e0 nhi\u1ec1u v\u0103n b\u1ea3n kh\u00e1c \u0111\u1ec1u c\u00f3 nh\u1eefng quy \u0111\u1ecbnh l\u1ea5y m\u1ee9c l\u00e3i su\u1ea5t do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) l\u00e0m c\u0103n c\u1ee9 trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p. Tuy nhi\u00ean, trong nhi\u1ec1u n\u0103m qua, c\u0103n c\u1ee9 m\u00e0 c\u00e1c B\u1ed9 lu\u1eadt \u0111\u00e3 d\u1ef1a v\u00e0o ho\u00e1 ra l\u00e0 \u1ea3o. Ch\u1eb3ng h\u1ea1n, theo Lu\u1eadt Lao \u0111\u1ed9ng, n\u1ebfu doanh nghi\u1ec7p ch\u1eadm tr\u1ea3 l\u01b0\u01a1ng, ph\u1ea3i \u0111\u1ec1n b\u00f9 cho ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u1ed9t kho\u1ea3n ti\u1ec1n \u00edt nh\u1ea5t b\u1eb1ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n do NHNN c\u00f4ng b\u1ed1. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 c\u0169ng quy \u0111\u1ecbnh v\u1ec1 ngh\u0129a v\u1ee5 tr\u1ea3 ch\u1eadm c\u1ee7a b\u00ean vay l\u00e0 ph\u1ea3i tr\u1ea3 l\u00e3i theo l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m do NHNN quy \u0111\u1ecbnh. C\u00e1c \u0111i\u1ec1u lu\u1eadt quy \u0111\u1ecbnh th\u1eadt c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng, nh\u01b0ng n\u1ebfu ph\u1ea3i \u00e1p d\u1ee5ng v\u00e0o th\u1ef1c t\u1ebf, th\u00ec cho ngay m\u1ed9t \u0111\u00e1p \u00e1n: B\u1ebf t\u1eafc. V\u00ec t\u1eeb n\u0103m 1996 \u0111\u1ebfn nay, ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u00e0 \u00e1p d\u1ee5ng theo m\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m do NHNN c\u00f4ng b\u1ed1. NHNN cho m\u00ecnh l\u00e0 \u201cv\u00f4 can\u201d tr\u01b0\u1edbc vi\u1ec7c \u201ckhai t\u1eed\u201d c\u00e1c \u0111i\u1ec1u lu\u1eadt n\u00f3i tr\u00ean.<\/p>\n<p>M\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3, l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n,\u2026 trong Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf n\u0103m 1989, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 1985, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 1997,\u2026 c\u0169ng b\u1ea5t ng\u1edd b\u1ecb \u201ctuy\u00ean \u00e1n t\u1eed h\u00ecnh\u201d, v\u00ec NHNN \u0111\u00e3 b\u1ecf h\u1eb3n vi\u1ec7c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m t\u1eeb 01-1996, b\u1ecf \u1ea5n \u0111\u1ecbnh c\u1ee5 th\u1ec3 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n t\u1eeb 6-1999 v\u00e0 b\u1ecf quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay t\u1eeb 6-2002 (xem bi\u1ec3u \u0111\u1ed3 tr\u1ea7n l\u00e3i su\u1ea5t cho vay).<\/p>\n<p>Nh\u01b0 v\u1eady, v\u0103n b\u1ea3n c\u1ee7a c\u1ea5p b\u1ed9 \u0111\u00e3 v\u00f4 hi\u1ec7u ho\u00e1 m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh c\u1ee7a c\u00e1c B\u1ed9 lu\u1eadt c\u00f9ng v\u1edbi v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt.<\/p>\n<p>\u0110i\u1ec1u r\u1ea5t l\u1ea1 l\u00e0 \u1edf ch\u1ed7, d\u00f9 kh\u00f4ng c\u00f2n c\u0103n c\u1ee9 ph\u00e1p l\u00fd, nh\u01b0ng c\u1ea3 h\u1ec7 th\u1ed1ng to\u00e0 \u00e1n v\u00e0 c\u00e1c c\u01a1 quan thi h\u00e0nh \u00e1n v\u1eabn c\u1ee9 \u1ea5n \u0111\u1ecbnh \u0111\u01b0\u1ee3c c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t trong h\u00e0ng v\u1ea1n b\u1ea3n \u00e1n v\u00e0 quy\u1ebft \u0111\u1ecbnh thi h\u00e0nh \u00e1n trong su\u1ed1t nhi\u1ec1u n\u0103m tr\u1eddi. Ba c\u01a1 quan \u0111i\u1ec1u tra, truy t\u1ed1 v\u00e0 x\u00e9t x\u1eed v\u1eabn k\u1ebft t\u1ed9i \u0111\u01b0\u1ee3c ng\u01b0\u1eddi cho vay l\u00e3i n\u1eb7ng, d\u00f9 ch\u1eb3ng \u0111\u00e0o \u0111\u00e2u ra \u201c<em>m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t<\/em> <em>m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh\u201d <\/em>trong quy ph\u1ea1m h\u00ecnh s\u1ef1 b\u1eaft bu\u1ed9c: \u201c<em>cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh t\u1eeb m\u01b0\u1eddi l\u1ea7n tr\u1edf l\u00ean<\/em>\u201d. Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005, l\u1ea1i \u201c\u0111\u1ebb\u201d th\u00eam m\u1ed9t quy \u0111\u1ecbnh \u201cb\u1eaft v\u1ea1\u201d NHNN: \u0110\u00f3 l\u00e0 quy \u0111\u1ecbnh ho\u00e0n tr\u1ea3 ti\u1ec1n mua nh\u00e0 x\u00e3 h\u1ed9i \u201c<em>c\u00f3 t\u00ednh l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc<\/em>\u201d<\/p>\n<h5><strong>Ai l\u00e0m cho l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n m\u1ea5t vai tr\u00f2 c\u01a1 b\u1ea3n?<\/strong><\/h5>\n<p>Lu\u1eadt NHNN \u0111\u00e3 quy \u0111\u1ecbnh: L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n 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. Song, t\u1eeb th\u00e1ng 6-2002 \u0111\u1ebfn h\u1ebft n\u0103m 2005, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n kh\u00f4ng c\u00f2n gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd v\u00e0 c\u0169ng kh\u00f4ng h\u1ec1 c\u00f3 \u00fd ngh\u0129a th\u1ef1c t\u1ebf. NHNN \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u01a1 ch\u1ebf l\u00e3i su\u1ea5t t\u1ef1 do, cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng ph\u1ea3i ch\u1ecbu b\u1ea5t k\u1ef3 m\u1ed9t gi\u1edbi h\u1ea1n n\u00e0o v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay. C\u01a1 ch\u1ebf \u0111i\u1ec1u h\u00e0nh l\u00e3i su\u1ea5t n\u00e0y l\u00e0 m\u1ed9t ch\u00eca kho\u00e1 r\u1ea5t \u0111\u00fang \u0111\u1eafn v\u00e0 th\u00e0nh c\u00f4ng \u0111\u1ed1i v\u1edbi kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. Nh\u01b0ng, tr\u00e1i ng\u01b0\u1ee3c v\u1edbi vi\u1ec7c b\u1ed9 ng\u00e0nh \u201cqu\u1eadt\u201d B\u1ed9 lu\u1eadt nh\u01b0 n\u00f3i tr\u00ean, \u0111\u1ebfn l\u01b0\u1ee3t lu\u1eadt l\u1ea1i \u201ckhinh su\u1ea5t\u201d ch\u1ea5m d\u1ee9t ch\u00ednh s\u00e1ch t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t \u0111\u00e3 \u1ed5n \u0111\u1ecbnh trong nhi\u1ec1u n\u0103m. K\u1ec3 t\u1eeb n\u0103m 2006 tr\u1edf \u0111i, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi \u0111\u00e3 c\u00f3 m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh l\u1ea5y l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0m c\u0103n c\u1ee9 ph\u00e1p l\u00fd. V\u01b0\u1ee3t kh\u1ecfi \u00fd \u0111\u1ed3 c\u1ee7a NHNN, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n b\u1ed7ng nhi\u00ean \u0111\u01b0\u1ee3c kho\u00e1c cho \u00fd ngh\u0129a ph\u00e1p l\u00fd quan tr\u1ecdng \u0111\u1ec3: X\u00e1c \u0111\u1ecbnh gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t vay v\u1ed1n, cho vay v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3&#8230; trong c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, b\u1ea3o hi\u1ec3m, kinh doanh th\u01b0\u01a1ng m\u1ea1i, d\u00e2n s\u1ef1 cho \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng thu\u00ea \u0111\u1ea5t; x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t ch\u1eadm thanh to\u00e1n trong vi\u1ec7c thi h\u00e0nh \u00e1n v\u1ec1 t\u00e0i s\u1ea3n v\u00e0 x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t l\u00e0m c\u0103n c\u1ee9 \u0111\u1ec3 truy t\u1ed1, x\u00e9t x\u1eed \u0111\u1ed1i v\u1edbi t\u1ed9i cho vay n\u1eb7ng l\u00e3i&#8230;.<\/p>\n<p>Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n m\u00e0 NHNN ch\u1ec9 mong \u201cr\u0169 b\u1ecf\u201d khi c\u00f3 c\u01a1 h\u1ed9i (s\u1eeda Lu\u1eadt NHNN) \u0111\u00e3 \u0111\u00e0ng ho\u00e0ng tr\u1edf th\u00e0nh m\u1ed9t c\u0103n c\u1ee9 ph\u00e1p l\u00fd quan tr\u1ecdng \u0111\u1ec3 \u00e1p d\u1ee5ng t\u00ednh l\u00e3i cho c\u00e1c quan h\u1ec7 mua b\u00e1n, vay m\u01b0\u1ee3n, thanh to\u00e1n v\u00e0 trong nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf, x\u00e3 h\u1ed9i kh\u00e1c.<\/p>\n<p>Khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c, v\u1edbi t\u00ecnh th\u1ebf quay ngo\u1eaft 180 \u0111\u1ed9, l\u1ebd ra NHNN c\u1ea7n ph\u1ea3i n\u00e2ng m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00ean 12%\/n\u0103m. C\u00f3 \u00fd ki\u1ebfn c\u00f2n ch\u1ec9 r\u00f5: \u201c<em>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<\/em>\u201d. Ti\u1ebfc thay, Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng \u0111\u00e3 b\u1ecf qua tr\u1ecdng tr\u00e1ch \u0111\u01b0\u1ee3c u\u1ef7 th\u00e1c su\u1ed1t h\u01a1n 2 n\u0103m qua.<\/p>\n<p>H\u1eadu qu\u1ea3 l\u00e0 t\u00ecnh tr\u1ea1ng vi ph\u1ea1m B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u00e3 x\u1ea3y ra kh\u00e1 ph\u1ed5 bi\u1ebfn v\u00e0 sau \u0111\u00f3 l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng b\u1ecb m\u00e9o m\u00f3 ch\u01b0a t\u1eebng th\u1ea5y: L\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ee7a h\u00e0ng ch\u1ee5c k\u1ef3 h\u1ea1n d\u00e0i ng\u1eafn kh\u00e1c nhau \u0111\u1ec1u \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft m\u1ed9t con s\u1ed1 12%\/n\u0103m. \u0110\u00f3 l\u00e0 m\u1ed9t trong nh\u1eefng th\u1ee7 ph\u1ea1m nguy hi\u1ec3m \u0111\u1ea9y c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng t\u00ea li\u1ec7t, kh\u1ee7ng ho\u1ea3ng, v\u1edbi nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, do kh\u00f4ng huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c v\u1ed1n k\u1ecbp th\u1eddi.<\/p>\n<h5><strong>L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n t\u00e1c \u0111\u1ed9ng nhi\u1ec1u h\u01a1n mong mu\u1ed1n?<\/strong><\/h5>\n<p>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u00e3 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\u1ee9c l\u00e0, tr\u01b0\u1edbc ng\u00e0y 19\/5 n\u0103m nay, l\u00e3i su\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 13,125%\/n\u0103m. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, c\u1ea3 NHNN l\u1eabn c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u v\u00f4 t\u01b0 c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t cho vay cao h\u01a1n m\u1ee9c tr\u00ean. Kh\u00f4ng c\u00f3 ai b\u1ecb x\u1eed l\u00fd v\u00ec ph\u1ea1m lu\u1eadt, d\u00f9 ch\u1ec9 l\u00e0 b\u1ecb l\u01b0u \u00fd, nh\u1eafc nh\u1edf.<\/p>\n<p>\u0110\u1ebfn ng\u00e0y 19-5-2008, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u1ed9t ng\u1ed9t t\u0103ng t\u1eeb 8,75 l\u00ean 12%\/n\u0103m (t\u0103ng 37% theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 16\/2008\/Q\u0110-NHNN). Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t cho vay cao nh\u1ea5t \u0111\u00e3 t\u0103ng t\u1eeb s\u1ea5p s\u1ec9 13% l\u00ean 18%\/n\u0103m. L\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 s\u1ebd \u0111\u01b0\u1ee3c ph\u00e9p c\u1ed9ng th\u00eam 12%\/n\u0103m (b\u1eb1ng m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n). C\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t t\u1edbi 30%\/n\u0103m. T\u1ea1i sao l\u1ea1i cao nh\u01b0 v\u1eady? V\u00ec \u0111\u00e2y l\u00e0 l\u00e3i su\u1ea5t ph\u1ea1t, do v\u1eady c\u00f3 cao th\u00ec m\u1edbi c\u00f3 t\u00e1c d\u1ee5ng r\u0103n \u0111e, h\u1ea1n ch\u1ebf b\u1edbt h\u00e0nh \u0111\u1ed9ng b\u1ed9i \u01b0\u1edbc, vi ph\u1ea1m cam k\u1ebft.<\/p>\n<p>Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p cho vay v\u1edbi m\u1ee9c l\u00e3i cao g\u1ea5p 10 l\u1ea7n l\u00e3i su\u1ea5t cao nh\u1ea5t do NHNN quy \u0111\u1ecbnh, t\u1ee9c l\u00e0 b\u1eb1ng 132%\/n\u0103m, c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh t\u1ed9i ph\u1ea1m cho vay l\u00e3i n\u1eb7ng, \u0111\u1ebfn nay \u0111\u01b0\u1ee3c ph\u00e9p t\u0103ng l\u00ean \u0111\u1ebfn 179%\/n\u0103m v\u1eabn c\u1ee9 v\u00f4 t\u1ed9i. Nh\u01b0 th\u1ebf, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n kh\u00f4ng ch\u1ec9 c\u00f2n l\u00e0 \u0111\u1ec3 tham kh\u1ea3o nh\u01b0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a NHNN g\u1ea7n \u0111\u00e2y, m\u00e0 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c \u0111\u01b0a nhi\u1ec1u ng\u01b0\u1eddi \u201cv\u00e0o t\u00f9, ra t\u1ed9i\u201d. V\u1ec1 ph\u00e1p l\u00fd, t\u0103ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u1ec3 cho th\u1ecb tr\u01b0\u1eddng c\u00e2n b\u1eb1ng h\u01a1n, l\u00e0nh m\u1ea1nh h\u01a1n, minh b\u1ea1ch h\u01a1n v\u00e0 \u0111\u00fang lu\u1eadt h\u01a1n. T\u0103ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, c\u0169ng g\u00f3p ph\u1ea7n quan tr\u1ecdng v\u00e0o vi\u1ec7c h\u00fat b\u1edbt ti\u1ec1n trong l\u01b0u th\u00f4ng, h\u1ed7 tr\u1ee3 \u0111\u00e1ng k\u1ec3 cho m\u1ee5c ti\u00eau ki\u1ec1m ch\u1ebf v\u00e0 \u0111\u1ea9y l\u00f9i l\u1ea1m ph\u00e1t.<\/p>\n<h5><strong>C\u00f2n nh\u1eefng g\u00ec dang d\u1edf?<\/strong><\/h5>\n<p>Cu\u1ed1i c\u00f9ng th\u00ec l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u0169ng \u0111\u00e3 t\u0103ng l\u00ean nh\u01b0 m\u1ee9c nhi\u1ec1u \u00fd ki\u1ebfn \u0111\u1ec1 ngh\u1ecb t\u1eeb m\u1ea5y n\u0103m tr\u01b0\u1edbc. Ch\u1ec9 c\u00f3 \u0111i\u1ec1u, n\u00f3 \u0111ang \u0111u\u1ed5i theo kinh doanh, ch\u1ea1y sau cu\u1ed9c s\u1ed1ng. C\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0, vi\u1ec7c t\u0103ng l\u00e3i su\u1ea5t nhi\u1ec1u nh\u01b0 v\u1eady, c\u00f3 ch\u1eb7n \u0111\u1ee9ng t\u00ecnh tr\u1ea1ng vi ph\u1ea1m ph\u00e1p lu\u1eadt? Xin th\u01b0a: \u201ccu\u1ed9c chi\u1ebfn\u201d th\u01b0\u01a1ng tr\u01b0\u1eddng v\u1eabn c\u00f2n ti\u1ebfp di\u1ec5n. L\u00e3i su\u1ea5t \u1ea5y ch\u1ec9 h\u1ea1n ch\u1ebf m\u1ed9t ph\u1ea7n vi ph\u1ea1m, v\u00ec v\u1eabn ch\u01b0a ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch vay v\u1ed1n ngo\u00e0i ng\u00e2n h\u00e0ng. Quy lu\u1eadt cung c\u1ea7u, quy lu\u1eadt th\u1ecb tr\u01b0\u1eddng s\u1ebd bu\u1ed9c ph\u1ea3i ph\u00e1 v\u1ee1 nh\u1eefng r\u00e0ng bu\u1ed9c b\u1ea5t h\u1ee3p l\u00fd, d\u00f9 l\u00e0 khu\u00f4n kh\u1ed5 c\u1ee7a lu\u1eadt hay v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt.<\/p>\n<div><span lang=\"EN-US\"><img loading=\"lazy\" decoding=\"async\" class=\"\" 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width=\"426\" height=\"231\" \/><\/span><\/div>\n<p>V\u00ec m\u1ee9c l\u00e3i su\u1ea5t tr\u00ean v\u1eabn ch\u01b0a \u201cth\u00e2u t\u00f3m\u201d \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1, n\u00ean th\u1ecb tr\u01b0\u1eddng s\u1ebd ph\u1ea3i g\u00e1nh th\u00eam nh\u1eefng chi ph\u00ed vay v\u1ed1n ngo\u00e0i l\u00e3i c\u00f4ng b\u1ed1. Ng\u00e2n h\u00e0ng s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t huy c\u00e1c c\u00f4ng c\u1ee5 nh\u00e0 ngh\u1ec1 \u0111\u1ec3 gia t\u0103ng gi\u00e1 tr\u1ecb v\u1edbi l\u00e3i su\u1ea5t cho vay. \u0110\u00f3 l\u00e0 vi\u1ec7c t\u00ednh l\u00e3i kh\u00f4ng \u0111\u1ed5i tr\u00ean to\u00e0n b\u1ed9 n\u1ee3 g\u1ed1c cao nh\u1ea5t, d\u00f9 kh\u00e1ch h\u00e0ng \u0111\u00e3 tr\u1ea3 g\u1ea7n h\u1ebft n\u1ee3 g\u1ed1c; \u0111\u00f3 l\u00e0 vi\u1ec7c t\u1eadn thu v\u00e0 n\u00e2ng cao c\u00e1c lo\u1ea1i ph\u00ed t\u00edn d\u1ee5ng nh\u01b0: Ph\u00ed h\u1ed3 s\u01a1, ph\u00ed th\u1ea9m \u0111\u1ecbnh, ph\u00ed ph\u00ea duy\u1ec7t, ph\u00ed th\u1ebf ch\u1ea5p, ph\u00ed thu x\u1ebfp v\u1ed1n, ph\u00ed gi\u1ea3i ng\u00e2n, ph\u00ed gia h\u1ea1n, ph\u00ed t\u01b0 v\u1ea5n,\u2026 N\u1ebfu kh\u00f4ng v\u00ec \u0111\u00f2i h\u1ecfi kh\u00e1ch quan, c\u00e1c ng\u00e2n h\u00e0ng ch\u1eb3ng d\u1ea1i g\u00ec tham gia cu\u1ed9c \u0111ua \u0111\u1ea9y m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ti\u1ec7m c\u1eadn tr\u1ea7n l\u00e3i su\u1ea5t cho vay. Th\u1ecb tr\u01b0\u1eddng cho vay b\u00ean ngo\u00e0i, nh\u1ea5t l\u00e0 cho vay c\u1ea7m \u0111\u1ed3, v\u1eabn tha h\u1ed3 \u00e9p ng\u01b0\u1eddi vay ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t g\u1ea5p nhi\u1ec1u l\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Mu\u00f4n v\u1ea1n v\u1ee5 vi\u1ec7c di\u1ec5n ra, ch\u01b0a \u0111\u1ebfn v\u00e0i ba v\u1ee5 b\u1ecb x\u1eed l\u00fd. X\u00e1c xu\u1ea5t an to\u00e0n cao.<\/p>\n<p>\u0110\u1ec3 th\u1ec3 hi\u1ec7n vai tr\u00f2 qu\u1ea3n l\u00fd c\u1ee7a m\u00ecnh, NHNN s\u1ebd t\u00ecm c\u00e1ch ng\u0103n c\u1ea5m t\u00ecnh tr\u1ea1ng v\u01b0\u1ee3t r\u00e0o. Tuy\u00ean b\u1ed1 x\u1eed ph\u1ea1t c\u00e1c ng\u00e2n h\u00e0ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c ban ra. Ch\u1ec9 c\u00f3 \u0111i\u1ec1u, v\u1ec1 lu\u1eadn l\u00fd th\u00ec c\u00f3 th\u1ec3 l\u00e0 kh\u00f4ng sai, nh\u01b0ng v\u1ec1 ph\u00e1p l\u00fd th\u00ec l\u1ea1i l\u00e0 kh\u00f4ng \u0111\u00fang. V\u00ec quy \u0111\u1ecbnh v\u1ec1 x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 h\u00e0nh vi \u201c<em>kh\u00f4ng c\u00f4ng khai c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t cho vay cho kh\u00e1ch h\u00e0ng bi\u1ebft<\/em>\u201d l\u00e0 b\u1ecb ph\u1ea1t, ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i x\u1eed l\u00fd vi ph\u1ea1m cho vay v\u01b0\u1ee3t m\u1ee9c l\u00e3i su\u1ea5t. C\u00f2n ph\u00ed t\u00edn d\u1ee5ng, th\u00ec l\u1ea1i c\u00e0ng tho\u1ea3i m\u00e1i. L\u1ebd n\u00e0o, lu\u1eadt bu\u1ed9c th\u00ec cho qua, lu\u1eadt tha th\u00ec l\u1ea1i b\u1eaft?<\/p>\n<p>V\u1edbi chi\u1ec1u h\u01b0\u1edbng b\u1ea5t l\u1ee3i c\u1ee7a n\u1ec1n kinh t\u1ebf v\u00e0 th\u1ef1c tr\u1ea1ng l\u1ea1m ph\u00e1t nh\u01b0 hi\u1ec7n nay, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n r\u1ea5t c\u00f3 th\u1ec3 c\u00f2n \u201ct\u0103ng tr\u01b0\u1edfng\u201d h\u01a1n n\u1eefa. \u0110\u1ec3 ch\u1ed1ng l\u1ea1m ph\u00e1t th\u00e0nh c\u00f4ng trong th\u1eddi k\u1ef3 1987-1989, NHNN \u0111\u00e3 t\u1eebng t\u0103ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng l\u00ean t\u1edbi 144%\/n\u0103m (12%\/th\u00e1ng), l\u00e3i su\u1ea5t cho vay l\u00ean t\u1edbi 119%\/n\u0103m (9,9%\/th\u00e1ng) v\u00e0 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n l\u00ean t\u1edbi 252%\/n\u0103m (21%\/th\u00e1ng).<\/p>\n<p>Quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u00e1p d\u1ee5ng b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi mu\u00f4n ng\u01b0\u1eddi, \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn g\u1ea7n nh\u01b0 to\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh, d\u1ecbch v\u1ee5, t\u00edn d\u1ee5ng v\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1 kh\u00e1c. Nh\u01b0ng trong m\u1ea5y n\u0103m qua, NHNN \u0111\u00e3 kh\u00f4ng coi \u0111\u00f3 l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, do v\u1eady n\u00f3 kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c \u201cx\u1ebfp ch\u1ed7\u201d trong C\u00f4ng b\u00e1o theo quy \u0111\u1ecbnh. C\u00e1c c\u01a1 quan, t\u1ed5 ch\u1ee9c v\u00e0 ng\u01b0\u1eddi d\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn c\u00e1c quy \u0111\u1ecbnh n\u00e0y b\u1eb1ng con \u0111\u01b0\u1eddng ch\u00ednh th\u1ed1ng. \u0110\u1ebfn nay NHNN \u0111\u00e3 t\u00e1i th\u1eeba nh\u1eadn \u0111\u00f3 l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt. Tuy nhi\u00ean, n\u1ebfu v\u1eabn c\u1ee9 duy tr\u00ec vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u1eb1ng th\u00e1ng, th\u00ec l\u1ea1i n\u1ea3y sinh m\u1ed9t b\u1ea5t c\u1eadp kh\u00e1c: \u0110\u00f3 l\u00e0 vi\u1ec7c v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd tr\u01b0\u1edbc khi \u0111\u01b0\u1ee3c \u0111\u0103ng C\u00f4ng b\u00e1o, tr\u00e1i v\u1edbi Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt. V\u00ec v\u1eady, NHNN n\u00ean b\u1ecf vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n h\u1eb1ng th\u00e1ng, ch\u1ec9 c\u00f4ng b\u1ed1 v\u00e0 \u0111\u0103ng C\u00f4ng b\u00e1o khi n\u00e0o c\u1ea7n c\u00f3 s\u1ef1 thay \u0111\u1ed5i. H\u1eb1ng ng\u00e0y c\u0169ng nh\u01b0 sau h\u00e0ng ch\u1ee5c n\u0103m n\u1eefa, h\u00e0ng v\u1ea1n v\u1ee5 vi\u1ec7c v\u1eabn c\u00f2n ph\u1ea3i c\u0103n c\u1ee9 v\u00e0o c\u00e1c quy\u1ebft \u0111\u1ecbnh n\u00e0y c\u1ee7a NHNN.<\/p>\n<p>Cu\u1ed1i c\u00f9ng, v\u1eabn c\u1ea7n ti\u1ebfp t\u1ee5c xem x\u00e9t s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 476 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, n\u00e2ng gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay t\u1eeb 150% l\u00ean \u00edt nh\u1ea5t 200% m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. C\u00f9ng l\u00e0 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t g\u1ea5p 1,5 l\u1ea7n, nh\u01b0ng ng\u00e0y x\u01b0a l\u00e0 c\u0103n c\u1ee9 v\u00e0o l\u00e3i su\u1ea5t tr\u1ea7n, c\u00f2n hi\u1ec7n nay d\u1ef1a v\u00e0o l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, g\u1ea7n nh\u01b0 l\u00e0 d\u1ef1a v\u00e0o l\u00e3i su\u1ea5t s\u00e0n.<\/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>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>T\u1ea1p ch\u00ed Nh\u00e0 Qu\u1ea3n l\u00fd s\u1ed1 60 th\u00e1ng 6-2008<\/em><\/strong><\/p>\n<p><em>L\u00e0 1 trong 5 b\u00e0i \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u tr\u00ean b\u00eca 1<\/em><\/p>\n<p><em>(2.220)<\/em><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<ul>\n<li><strong>\u0110\u0103ng l\u1ea1i<\/strong><\/li>\n<\/ul>\n<ol>\n<li><a href=\"http:\/\/romalaw.com.vn\/index.php?option=com_content&amp;view=article&amp;id=973%3Aluat-le-lat-leo-bop-meo-thi-truong&amp;catid=55%3Atin-tuc&amp;Itemid=5&amp;lang=vi\">http:\/\/romalaw.com.vn\/index.php?option=com_content&amp;view=article&amp;id=973%3Aluat-le-lat-leo-bop-meo-thi-truong&amp;catid=55%3Atin-tuc&amp;Itemid=5&amp;lang=vi<\/a><\/li>\n<li><a href=\"http:\/\/sanduan.vn\/help.php?self=detail&amp;id=764\">http:\/\/sanduan.vn\/help.php?self=detail&amp;id=764<\/a><\/li>\n<li><a href=\"http:\/\/thongtinphapluatdansu.wordpress.com\/2010\/03\/02\/4717-4\/\">http:\/\/thongtinphapluatdansu.wordpress.com\/2010\/03\/02\/4717-4\/<\/a><\/li>\n<li><a href=\"http:\/\/vanbanphapluat.com.vn\/news\/luat-le-lat-leo--bop-meo-thi-truong.aspx\">http:\/\/vanbanphapluat.com.vn\/news\/luat-le-lat-leo&#8211;bop-meo-thi-truong.aspx<\/a><\/li>\n<li><a href=\"http:\/\/vst.vista.gov.vn\/home\/item_view?objectPath=home\/database\/Folder.2004-04-19.4917\/MagazineName.2007-08-29.3105\/2008\/2008_00060\/MArticle.2008-07-29.0755\">http:\/\/vst.vista.gov.vn\/home\/item_view?objectPath=home\/database\/Folder.2004-04-19.4917\/MagazineName.2007-08-29.3105\/2008\/2008_00060\/MArticle.2008-07-29.0755<\/a> (C\u01a1 s\u1edf d\u1eef li\u1ec7u to\u00e0n v\u0103n &#8211; Trung t\u00e2m Th\u00f4ng tin KH&amp;CN Qu\u1ed1c gia).<\/li>\n<li><a href=\"http:\/\/www.giadattoanquoc.com\/help.php?self=detail&amp;id=764\">http:\/\/www.giadattoanquoc.com\/help.php?self=detail&amp;id=764<\/a><\/li>\n<li><a href=\"http:\/\/www.lawdata.com.vn\/news\/luat-le-lat-leo--bop-meo-thi-truong.aspx\">http:\/\/www.lawdata.com.vn\/news\/luat-le-lat-leo&#8211;bop-meo-thi-truong.aspx<\/a><\/li>\n<li><a href=\"http:\/\/www.luatsuvn.net\/news\/luat-le-lat-leo--bop-meo-thi-truong.aspx\">http:\/\/www.luatsuvn.net\/news\/luat-le-lat-leo&#8211;bop-meo-thi-truong.aspx<\/a><\/li>\n<li><a href=\"http:\/\/www.romelaw.com.vn\/index.php?option=com_content&amp;view=article&amp;id=973%3Aluat-le-lat-leo-bop-meo-thi-truong&amp;catid=55%3Atin-tuc&amp;Itemid=5&amp;lang=vi\">http:\/\/www.romelaw.com.vn\/index.php?option=com_content&amp;view=article&amp;id=973%3Aluat-le-lat-leo-bop-meo-thi-truong&amp;catid=55%3Atin-tuc&amp;Itemid=5&amp;lang=vi<\/a><\/li>\n<li><a href=\"http:\/\/www.thesunlaw.com\/news\/luat-le-lat-leo--bop-meo-thi-truong.aspx\">http:\/\/www.thesunlaw.com\/news\/luat-le-lat-leo&#8211;bop-meo-thi-truong.aspx<\/a><\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>Lu\u1eadt l\u1ec7 l\u1eaft l\u00e9o, b\u00f3p m\u00e9o th\u1ecb tr\u01b0\u1eddng. (NQL) &#8211; L\u00e3i su\u1ea5t kh\u00f4ng ch\u1ec9 l\u00e0 \u201cm\u00f3n ch\u00ednh\u201d c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, m\u00e0 c\u00f2n l\u00e0 \u201cth\u1ef1c \u0111\u01a1n\u201d c\u1ee7a m\u1ed9t n\u1ec1n kinh t\u1ebf 80 tri\u1ec7u d\u00e2n. Th\u1ebf nh\u01b0ng, lu\u1eadt l\u1ec7 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t \u0111\u00e3 bao l\u1ea7n r\u01a1i v\u00e0o t\u00ecnh c\u1ea3nh l\u1eaft l\u00e9o, tr\u00e9o ngoe v\u00e0 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5128,"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-5127","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 v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>82. 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