{"id":5133,"date":"2008-07-02T17:58:12","date_gmt":"2008-07-02T10:58:12","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5133"},"modified":"2024-11-13T09:22:43","modified_gmt":"2024-11-13T02:22:43","slug":"84-co-so-phap-ly-ap-dung-lai-suat-qua-han","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/84-co-so-phap-ly-ap-dung-lai-suat-qua-han\/","title":{"rendered":"84. C\u01a1 s\u1edf ph\u00e1p l\u00fd \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n."},"content":{"rendered":"

C\u01a1 s\u1edf ph\u00e1p l\u00fd \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n. <\/span><\/h4>\n
(TCNH) – Quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n l\u00e0 m\u1ed9t c\u0103n c\u1ee9 ph\u00e1p l\u00fd quan tr\u1ecdng \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng tho\u1ea3 thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay trong c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. \u0110\u1ed3ng th\u1eddi \u0111\u00f3 c\u0169ng l\u00e0 c\u01a1 s\u1edf ph\u00e1p l\u00fd c\u01a1 b\u1ea3n \u0111\u1ec3 \u00e1p d\u1ee5ng trong nhi\u1ec1u giao d\u1ecbch kinh t\u1ebf, d\u00e2n s\u1ef1 kh\u00e1c.<\/strong><\/h5>\n

Nh\u1eefng n\u0103m 1980, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n l\u00e0 do Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh. V\u00ed d\u1ee5 theo Bi\u1ec3u l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 cho vay, ban h\u00e0nh k\u00e8m theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/H\u0110BT ng\u00e0y 23-9-1982 c\u1ee7a H\u1ed9i \u0111\u1ed3ng B\u1ed9 tr\u01b0\u1edfng, th\u00ec l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng t\u1eeb 200% \u0111\u1ebfn 300% l\u00e3i su\u1ea5t cho vay b\u00ecnh th\u01b0\u1eddng. Sau \u0111\u00f3, kho\u1ea3n 10, \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 138-H\u0110BT ng\u00e0y 08-5-1990 c\u1ee7a H\u1ed9i \u0111\u1ed3ng B\u1ed9 tr\u01b0\u1edfng v\u1ec1 Ch\u1ee9c n\u0103ng, nhi\u1ec7m v\u1ee5 v\u00e0 t\u1ed5 ch\u1ee9c b\u1ed9 m\u00e1y Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Vi\u1ec7t Nam, \u0111\u00e3 giao cho NHNN nhi\u1ec7m v\u1ee5 \u201cC\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u00e1c lo\u1ea1i ti\u1ec1n g\u1eedi v\u00e0 cho vay; h\u1ed1i xu\u1ea5t ch\u00ednh th\u1ee9c gi\u1eefa \u0111\u1ed3ng Vi\u1ec7t Nam v\u1edbi c\u00e1c ngo\u1ea1i t\u1ec7, sau khi \u0111\u01b0\u1ee3c Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng B\u1ed9 tr\u01b0\u1edfng ph\u00ea chu\u1ea9n<\/em>\u201d.<\/p>\n

Ti\u1ebfp \u0111\u1ebfn Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf n\u0103m 1989, Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng D\u00e2n s\u1ef1 n\u0103m 1991, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 1997 \u0111\u1ec1u quy \u0111\u1ecbnh l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n (l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3) \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a NHNN.<\/p>\n

Tr\u00ean c\u01a1 s\u1edf c\u00e1c quy \u0111\u1ecbnh tr\u00ean, NHNN c\u00f3 to\u00e0n quy\u1ec1n \u0111\u1eb7t ra gi\u1edbi h\u1ea1n v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n. Do \u0111\u00f3 t\u1eeb th\u00e1ng 7-1987 cho \u0111\u1ebfn th\u00e1ng 11-1991, NHNN \u0111\u00e3 \u1ea5n \u0111\u1ecbnh c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n v\u1edbi c\u00e1c m\u1ee9c c\u1ee5 th\u1ec3 l\u00e0 6 \u2013 8 \u2013 10,8 \u2013 15 \u2013 18 v\u00e0 21%\/th\u00e1ng (t\u1eeb 72 cho \u0111\u1ebfn 252%\/n\u0103m). T\u1eeb ng\u00e0y 15-11-1991 cho \u0111\u1ebfn th\u00e1ng 01-1999, NHNN \u0111\u00e3 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n b\u1eb1ng 150% l\u00e3i su\u1ea5t cho vay trong h\u1ea1n. T\u1eeb th\u00e1ng 02-1999 \u0111\u1ebfn nay, NHNN \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch quy \u0111\u1ecbnh, theo \u0111\u00f3 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t cho vay trong h\u1ea1n, t\u1ee9c l\u00e0 c\u00f3 th\u1ec3 n\u1eb1m trong kho\u1ea3ng b\u1eb1ng t\u1eeb 100 cho \u0111\u1ebfn 150% l\u00e3i su\u1ea5t trong h\u1ea1n.<\/p>\n

Giai \u0111o\u1ea1n tr\u01b0\u1edbc th\u00e1ng 02-1999, c\u0103n c\u1ee9 v\u00e0o c\u00e1c quy \u0111\u1ecbnh c\u1ee7a NHNN, vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n theo quy \u0111\u1ecbnh c\u1ee7a c\u00e1c lu\u1eadt, ph\u00e1p l\u1ec7nh n\u00f3i tr\u00ean l\u00e0 ho\u00e0n to\u00e0n r\u00f5 r\u00e0ng, \u0111\u01a1n gi\u1ea3n. Nh\u01b0ng k\u1ec3 t\u1eeb th\u00e1ng 02-1999 tr\u1edf \u0111i, vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u00e3 b\u1eaft \u0111\u1ea7u c\u00f3 v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n, do kh\u00f4ng c\u00f2n x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n c\u1ee5 th\u1ec3 nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, m\u00e0 ch\u1ec9 kh\u1eb3ng \u0111\u1ecbnh \u0111\u01b0\u1ee3c r\u1eb1ng kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t trong h\u1ea1n. V\u00ec kho\u1ea3n 2, \u0110i\u1ec1u 11 (L\u00e3i su\u1ea5t cho vay), Quy ch\u1ebf Cho vay c\u1ee7a T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi Kh\u00e1ch h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31-12-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2005) \u0111\u00e3 quy \u0111\u1ecbnh nh\u01b0 sau: \u201cM\u1ee9c l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1ea5n \u0111\u1ecbnh v\u00e0 tho\u1ea3 thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t cho vay<\/strong> \u00e1p d\u1ee5ng trong th\u1eddi h\u1ea1n cho vay \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/em>\u201d.<\/p>\n

Nh\u01b0 v\u1eady, khi x\u1ea3y ra t\u00ecnh hu\u1ed1ng ph\u1ea3i \u00e1p d\u1ee5ng m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n trong c\u00e1c giao d\u1ecbch ch\u01b0a c\u00f3 tho\u1ea3 thu\u1eadn c\u1ee5 th\u1ec3 v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3, th\u00ec s\u1ebd \u201cch\u01a1i v\u01a1i\u201d v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd. V\u00ec n\u1ebfu c\u1ee9 theo c\u00e2u ch\u1eef c\u0169ng nh\u01b0 tinh th\u1ea7n c\u1ee7a \u0111i\u1ec1u lu\u1eadt, th\u00ec c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng 100% ho\u1eb7c 150% hay m\u1ed9t t\u1ef7 l\u1ec7 kh\u00e1c trong gi\u1edbi h\u1ea1n \u0111\u1ec1u kh\u00f4ng sai. Vi\u1ec7c c\u00e1c To\u00e0 \u00e1n, c\u00e1c c\u01a1 quan quan thi h\u00e0nh \u00e1n v\u1eabn \u1ea5n \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng 150% cho c\u00e1c v\u1ee5 tranh ch\u1ea5p n\u1ee3 l\u1ea7n trong th\u1eddi k\u1ef3 n\u00e0y l\u00e0 m\u1ed9t s\u1ef1 g\u01b0\u1ee3ng \u00e9p ph\u00e1p l\u00fd. Nh\u01b0ng d\u00f9 sao vi\u1ec7c \u0111\u00f3 c\u00f2n c\u00f3 th\u1ec3 l\u00fd gi\u1ea3i \u0111\u01b0\u1ee3c, v\u00ec v\u1eabn n\u1eb1m trong khung lu\u1eadt \u0111\u1ecbnh.<\/p>\n

Tuy nhi\u00ean t\u1eeb khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0o ng\u00e0y 01-01-2006 tr\u1edf \u0111i, th\u00ec \u0111\u00e3 thay \u0111\u1ed5i h\u1eb3n v\u1ec1 b\u00e0n ch\u1ea5t v\u1ea5n \u0111\u1ec1. V\u00ec NHNN \u0111\u00e3 kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c giao th\u1ea9m quy\u1ec1n quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n. Lu\u1eadt NHNN Vi\u1ec7t Nam, Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng kh\u00f4ng giao vi\u1ec7c n\u00e0y cho NHNN. Thay v\u00ec B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169 \u201cu\u1ef7 th\u00e1c\u201d cho NHNN quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n, th\u00ec kho\u1ea3n 5, \u0110i\u1ec1u 474, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi \u0111\u00e3 thi\u1ebft k\u1ebf ho\u00e0n to\u00e0n kh\u00e1c: \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<\/strong> 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

R\u00f5 r\u00e0ng, l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u00e3 c\u00f3 m\u1ed9t c\u0103n c\u1ee9 ph\u00e1p l\u00fd m\u1edbi, \u0111\u00f3 l\u00e0 \u201ctheo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1<\/em>\u201d. Do v\u1eady quy \u0111\u1ecbnh v\u1ec1 t\u00ednh l\u00e3i cho n\u1ee3 qu\u00e1 h\u1ea1n n\u00f3i tr\u00ean trong Quy\u1ebft \u0111\u1ecbnh 1267\/2001\/Q\u0110-NHNN \u0111\u00e3 tr\u1edf n\u00ean m\u00e2u thu\u1eabn v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, n\u00ean kh\u00f4ng th\u1ec3 l\u1ea5y l\u00e0m c\u0103n c\u1ee9 \u0111\u1ec3 \u00e1p d\u1ee5ng t\u00ednh l\u00e3i c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n, nh\u1ea5t l\u00e0 trong c\u00e1c giao d\u1ecbch b\u00ean ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

NHNN ch\u1ec9 c\u00f2n quy\u1ec1n (\u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 tr\u00e1ch nhi\u1ec7m) quy \u0111\u1ecbnh l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. V\u00e0 NHNN \u0111\u01b0\u1ee3c quy\u1ec1n \u1ea5n \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y m\u1ed9t c\u00e1ch kh\u00e1 th\u1ea5p trong nhi\u1ec1u n\u0103m hay t\u0103ng l\u00ean 37% trong th\u00e1ng 5 v\u1eeba qua c\u0169ng \u0111\u1ec1u l\u00e0 \u0111\u00fang lu\u1eadt.<\/p>\n

N\u1ebfu kh\u00f4ng ch\u00fa \u00fd \u0111\u1ebfn c\u01a1 s\u1edf ph\u00e1p l\u00fd m\u1edbi \u0111\u1ec3 t\u00ednh l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n, th\u00ec c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 v\u00e0 c\u00e1c b\u1ea3n \u00e1n, quy\u1ebft \u0111\u1ecbnh c\u1ee7a To\u00e0 \u00e1n c\u0169ng s\u1ebd ti\u1ebfp t\u1ee5c d\u1ef1a v\u00e0o m\u1ed9t c\u0103n c\u1ee9 kh\u00f4ng \u0111\u00fang ph\u00e1p lu\u1eadt. Nh\u1ea5t l\u00e0, t\u1ef7 l\u1ec7 150% xu\u1ea5t hi\u1ec7n tr\u00ean 16 n\u0103m nay \u0111\u00e3 quen thu\u1ed9c \u0111\u1ebfn m\u1ee9c d\u01b0\u1eddng nh\u01b0 bi\u1ebfn th\u00e0nh \u201cqu\u00e1n t\u00ednh\u201d v\u01b0\u1ee3t qua lu\u1eadt m\u1ea5y n\u0103m nay. M\u1ed9t s\u1ed1 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt ban h\u00e0nh sau ng\u00e0y B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c v\u1eabn nh\u1eafc t\u1edbi con s\u1ed1 150% nh\u01b0: Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 151\/2006\/N\u0110-CP ng\u00e0y 20-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 T\u00edn d\u1ee5ng \u0111\u1ea7u t\u01b0 v\u00e0 t\u00edn d\u1ee5ng xu\u1ea5t kh\u1ea9u c\u1ee7a Nh\u00e0 n\u01b0\u1edbc; Quy ch\u1ebf Chi\u1ebft kh\u1ea5u, t\u00e1i chi\u1ebft kh\u1ea5u gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 c\u1ee7a NHNN \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, do Th\u1ed1ng \u0111\u1ed1c NHNN ban h\u00e0nh n\u0103m 2003. Quy ch\u1ebf n\u00e0y ban h\u00e0nh tr\u01b0\u1edbc khi c\u00f3 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, nh\u01b0ng v\u1eabn gi\u1eef nguy\u00ean l\u00e3i su\u1ea5t ph\u1ea1t 150% khi s\u1eeda \u0111\u1ed5i v\u00e0o n\u0103m 2008.<\/p>\n

\u0110i\u1ec1u n\u00e0y c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t l\u00e0 m\u1ed9t s\u1ef1 vi ph\u1ea1m r\u00f5 r\u00e0ng. Nh\u01b0ng \u0111\u1ec3 x\u1eed l\u00fd vi ph\u1ea1m \u0111\u00f3 th\u00ec l\u1ea1i \u0111ang thi\u1ebfu c\u01a1 s\u1edf ph\u00e1p l\u00fd. V\u00ec Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 202\/2004\/N\u0110-CP ng\u00e0y 10-12-2004 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 X\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng l\u1ea1i ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i x\u1eed l\u00fd vi ph\u1ea1m vi\u1ec7c cho vay v\u01b0\u1ee3t m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a. Do th\u1eddi \u0111i\u1ec3m ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh n\u00e0y \u0111ang th\u1ef1c hi\u1ec7n ch\u1ebf \u0111\u1ed9 t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t, n\u00ean ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 h\u00e0nh vi \u201ckh\u00f4ng c\u00f4ng khai c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t cho vay<\/em>\u201d.<\/p>\n

T\u00f3m l\u1ea1i, v\u1edbi quy \u0111\u1ecbnh m\u1edbi c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n t\u1eeb ch\u1ed7 ch\u1ec9 l\u00e0 l\u00e3i su\u1ea5t tham kh\u1ea3o, kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd v\u00e0 th\u1ef1c ti\u1ec5n, \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u0103n c\u1ee9 ph\u00e1p l\u00fd c\u01a1 b\u1ea3n \u0111\u1ec3 t\u00ednh to\u00e1n l\u00e3i su\u1ea5t cho vay v\u00e0 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n (xem b\u00e0i \u201cV\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\u201d c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 11\/2005). Ng\u01b0\u1ee3c l\u1ea1i l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n do NHNN quy \u0111\u1ecbnh, \u0111ang l\u00e0 m\u1ed9t c\u01a1 s\u1edf ph\u00e1p l\u00fd quan tr\u1ecdng trong giao d\u1ecbch d\u00e2n s\u1ef1, l\u1ea1i b\u1ecb lo\u1ea1i b\u1ecf \u00fd ngh\u0129a ph\u00e1p l\u00fd.<\/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 vi\u1ebft \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 13\/7-2008<\/em><\/strong>","protected":false},"excerpt":{"rendered":"

C\u01a1 s\u1edf ph\u00e1p l\u00fd \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n. (TCNH) – Quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n l\u00e0 m\u1ed9t c\u0103n c\u1ee9 ph\u00e1p l\u00fd quan tr\u1ecdng \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng tho\u1ea3 thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay trong c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. \u0110\u1ed3ng th\u1eddi \u0111\u00f3 c\u0169ng l\u00e0 c\u01a1 s\u1edf ph\u00e1p l\u00fd c\u01a1 […]<\/p>\n","protected":false},"author":7,"featured_media":5134,"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-5133","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":"\n84. 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Quy \u0111\u1ecbnh v\u1ec1 LS n\u1ee3 qu\u00e1 h\u1ea1n l\u00e0 m\u1ed9t c\u0103n c\u1ee9 ph\u00e1p l\u00fd quan tr\u1ecdng \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng tho\u1ea3 thu\u1eadn v\u1ec1 LS...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/84-co-so-phap-ly-ap-dung-lai-suat-qua-han\/\" \/>\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=\"2008-07-02T10:58:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-13T02:22:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/lai-suat-ngan-hang.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"660\" \/>\n\t<meta property=\"og:image:height\" content=\"370\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/84-co-so-phap-ly-ap-dung-lai-suat-qua-han\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/84-co-so-phap-ly-ap-dung-lai-suat-qua-han\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"84. 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