{"id":5145,"date":"2008-08-02T18:23:29","date_gmt":"2008-08-02T11:23:29","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5145"},"modified":"2024-11-10T10:53:31","modified_gmt":"2024-11-10T03:53:31","slug":"88-chay-von-tron-no-so-lai-hai-tien","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/88-chay-von-tron-no-so-lai-hai-tien\/","title":{"rendered":"88. Ch\u1ea1y v\u1ed1n, tr\u1ed1n n\u1ee3 – S\u1ee3 l\u00e3i, h\u00e3i ti\u1ec1n."},"content":{"rendered":"

Ch\u1ea1y v\u1ed1n, tr\u1ed1n n\u1ee3 – S\u1ee3 l\u00e3i, h\u00e3i ti\u1ec1n.<\/span><\/h4>\n
(NQL) – C\u00e2u h\u1ecfi \u0111\u1ea7u ti\u00ean trong kinh doanh \u0111\u01b0\u1ee3c \u0111\u01b0a ra th\u1eadt t\u1ef1 nhi\u00ean, \u0111\u01a1n gi\u1ea3n v\u1edbi ngh\u0129a l\u00e0 \u201cti\u1ec1n \u0111\u00e2u\u201d? C\u00f3 r\u1ea5t nhi\u1ec1u ngu\u1ed3n v\u1ed1n ph\u1ee5c v\u1ee5 cho doanh nghi\u1ec7p. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi nh\u1eefng doanh nghi\u1ec7p b\u00ecnh th\u01b0\u1eddng, th\u00ec th\u1eadt kh\u00f3 \u201cxoay\u201d v\u1ed1n trong th\u1eddi k\u1ef3 l\u1ea1m ph\u00e1t, kinh t\u1ebf suy tho\u00e1i.<\/em><\/strong><\/h5>\n
\u00a0<\/em><\/strong>V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu, kh\u00f4ng c\u1ee9u \u0111\u01b0\u1ee3c ai<\/strong><\/h5>\n

V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu d\u01b0\u1eddng nh\u01b0 kh\u00f4ng bao gi\u1edd \u0111\u1ee7 \u0111\u1ec3 kinh doanh. C\u00f3 100 tri\u1ec7u \u0111\u1ed3ng v\u1ed1n, ng\u01b0\u1eddi ta s\u1ebd mu\u1ed1n kinh doanh v\u1edbi 1 t\u1ef7. Khi c\u00f3 \u0111\u1ebfn 10 t\u1ef7 \u0111\u1ed3ng, ng\u01b0\u1eddi ta l\u1ea1i mu\u1ed1n m\u1edf r\u1ed9ng kinh doanh l\u00ean 100 t\u1ef7. Ph\u1ea7n v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu th\u01b0\u1eddng chi\u1ebfm t\u1ef7 l\u1ec7 nh\u1ecf trong t\u1ed5ng t\u00e0i s\u1ea3n. \u0110\u1eb7c bi\u1ec7t trong th\u1eddi k\u1ef3 kh\u00f3 t\u00ecm v\u1ed1n, c\u00e1i kh\u00f3 \u0111\u1ea7u ti\u00ean ch\u00ednh l\u00e0 kh\u00f4ng t\u0103ng \u0111\u01b0\u1ee3c v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu, kh\u00f4ng b\u00e1n \u0111\u01b0\u1ee3c tr\u00e1i phi\u1ebfu. C\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu hi\u1ec7n h\u1eefu \u0111\u00e3 kh\u00f3 chuy\u1ec3n nh\u01b0\u1ee3ng, th\u00ec c\u0169ng r\u1ea5t \u00edt kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c g\u00f3p t\u0103ng th\u00eam.<\/p>\n

Kinh doanh m\u00e0 kh\u00f4ng vay v\u1ed1n, c\u0169ng \u0111\u1ed3ng d\u1ea1ng v\u1edbi ki\u1ec3u c\u00e1 nh\u00e2n \u0111\u1ea7u t\u01b0 ti\u1ec1n g\u1eedi v\u00e0o ng\u00e2n h\u00e0ng l\u1ea5y l\u00e3i. Vay v\u1ed1n nhi\u1ec1u \u0111\u00e2u ph\u1ea3i l\u00e0 kh\u00f4ng t\u1ed1t. S\u1ed1 ti\u1ec1n vay c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 th\u1ec3 hi\u1ec7n s\u1ee9c m\u1ea1nh v\u00e0 uy t\u00edn c\u1ee7a doanh nghi\u1ec7p. N\u01b0\u1edbc M\u1ef9 l\u00e0 m\u1ed9t n\u1ec1n kinh t\u1ebf l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi v\u00e0 c\u0169ng l\u00e0 qu\u1ed1c gia vay n\u1ee3 nhi\u1ec1u nh\u1ea5t. C\u00e1c ng\u00e2n h\u00e0ng l\u00e0 nh\u1eefng ch\u1ee7 n\u1ee3 l\u1edbn nh\u1ea5t \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 nh\u1eefng con n\u1ee3 l\u1edbn nh\u1ea5t. Ph\u1ea7n l\u1edbn doanh nghi\u1ec7p tr\u00f4ng ch\u1edd v\u00e0o v\u1ed1n vay.<\/p>\n

V\u1ed1n vay ng\u00e2n h\u00e0ng, c\u00e0ng ng\u00e0y c\u00e0ng kh\u00f3<\/strong><\/h5>\n

L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng l\u00ean \u0111\u1ebfn 20% – 21%\/n\u0103m, th\u1eadt kh\u00f3 b\u1ea3o \u0111\u1ea3m hi\u1ec7u qu\u1ea3 kinh doanh \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p. Tuy nhi\u00ean, v\u00e0o th\u1eddi \u0111i\u1ec3m l\u00e3i su\u1ea5t t\u0103ng v\u1ecdt nh\u01b0 hi\u1ec7n nay, c\u00e1c doanh nghi\u1ec7p l\u1ea1i kh\u00f4ng vay \u0111\u01b0\u1ee3c v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng, n\u1ebfu kh\u00f4ng s\u1eb5n c\u00f3 t\u00edn nhi\u1ec7m k\u00e8m theo ph\u01b0\u01a1ng \u00e1n kinh doanh kh\u1ea3 thi, hi\u1ec7u qu\u1ea3 cao.<\/p>\n

Tr\u01b0\u1edbc khi cho vay, ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u1ea3i \u0111i vay. Ng\u00e2n h\u00e0ng \u0111ang ph\u1ea3i huy \u0111\u1ed9ng v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t cao, th\u1eddi h\u1ea1n ng\u1eafn, s\u1ed1 ti\u1ec1n \u00edt. C\u00f3 ti\u1ec1n r\u1ed3i, ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng mu\u1ed1n gi\u1ea3i ng\u00e2n, do kinh t\u1ebf \u0111i xu\u1ed1ng, hi\u1ec7u qu\u1ea3 kinh doanh th\u1ea5p, r\u1ee7i ro cao, kh\u00f4ng an to\u00e0n cho \u0111\u1ed3ng v\u1ed1n. L\u1ebd ra trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn r\u1ee7i ro \u0111\u1ec3 cho vay v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n, nh\u01b0ng l\u1ea1i b\u1ecb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc th\u1eaft ch\u1eb7t v\u00f2ng kim c\u00f4 nghi\u00eam kh\u1eafc h\u01a1n bao gi\u1edd h\u1ebft, n\u00ean kh\u00f4ng c\u00f3 c\u00e1ch g\u00ec h\u00f3a gi\u1ea3i b\u1ebf t\u1eafc. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c minh ch\u1ee9ng th\u00eam b\u1eb1ng c\u1ea3 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng m\u1edbi ra \u0111\u1eddi c\u0169ng r\u1ea5t d\u00e8 d\u1eb7t trong cho vay.<\/p>\n

V\u00ec v\u1eady, n\u1ebfu n\u1ec1n kinh t\u1ebf c\u00f2n kh\u00f3 kh\u0103n, c\u00e1c doanh nghi\u1ec7p \u0111\u1eebng tr\u00f4ng ch\u1edd nhi\u1ec1u v\u00e0o ng\u00e2n h\u00e0ng, k\u1ec3 c\u1ea3 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng tuy\u00ean b\u1ed1 gi\u1ea3m l\u00e3i su\u1ea5t cho vay. V\u00ec gi\u1ea3m l\u00e3i su\u1ea5t kh\u00f4ng d\u1ef1a tr\u00ean c\u01a1 s\u1edf cung c\u1ea7u th\u1eadt s\u1ef1, trong khi \u0111\u00e3 \u0111\u1ebfn th\u1eddi k\u1ef3 nhi\u1ec1u kho\u1ea3n n\u1ee3 \u0111\u1ee9ng tr\u01b0\u1edbc nguy c\u01a1 qu\u00e1 h\u1ea1n; doanh nghi\u1ec7p kh\u00f3 b\u00e1n h\u00e0ng tr\u1ea3 n\u1ee3, ch\u1eadm quay v\u00f2ng v\u1ed1n; Ng\u00e2n h\u00e0ng kh\u00f3 huy \u0111\u1ed9ng v\u1ed1n m\u1edbi, kh\u00f3 thu h\u1ed3i \u0111\u01b0\u1ee3c v\u1ed1n c\u0169, l\u1ea1i b\u1ecb s\u1ee9c \u00e9p n\u1ee3 x\u1ea5u gia t\u0103ng, c\u0169ng \u00a0kh\u00f3 c\u00f3 th\u1ec3 cho vay th\u00eam.<\/p>\n

V\u1ed1n vay th\u01b0\u01a1ng m\u1ea1i, c\u0169ng l\u1ea1i c\u00f9ng \u0111\u01b0\u1eddng<\/strong><\/h5>\n

M\u1ed9t trong nh\u1eefng c\u00e1ch th\u1ee9c b\u00e1n h\u00e0ng t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ed5 bi\u1ebfn v\u00e0 hi\u1ec7u qu\u1ea3 khi thu\u1eadn bu\u1ed3m, xu\u00f4i gi\u00f3 l\u00e0 b\u00e1n ch\u1ecbu, k\u00fd g\u1eedi. Nh\u01b0ng l\u00fac n\u00e0y, ng\u00e2n h\u00e0ng th\u00fac n\u1ee3, c\u1ea3 m\u1ed9t chu\u1ed7i nh\u00e0 cung c\u1ea5p kh\u00f4ng cho ch\u1eadm tr\u1ea3, r\u1ed3i h\u00e0ng h\u00f3a kh\u00f3 b\u00e1n, ch\u1eadm ti\u00eau th\u1ee5, th\u00ec t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng nhanh ch\u00f3ng b\u1ecb thu h\u1eb9p t\u1ed1i \u0111a.<\/p>\n

Ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 \u0111an xen, ph\u1ee5 thu\u1ed9c l\u1eabn nhau. R\u1ea5t nhi\u1ec1u doanh nghi\u1ec7p s\u1ed1ng kho\u1ebb nh\u1edd ngu\u1ed3n v\u1ed1n t\u1eeb mua h\u00e0ng tr\u1ea3 ch\u1eadm, tr\u1ea3 d\u1ea7n, k\u00e9o d\u00e0i th\u1eddi h\u1ea1n thanh to\u00e1n, chi\u1ebfm d\u1ee5ng v\u1ed1n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c. Tuy nhi\u00ean, hi\u1ec7n nay, mong mu\u1ed1n tr\u1ea3 ch\u1eadm c\u1ee7a ng\u01b0\u1eddi n\u00e0y s\u1ebd g\u1eb7p ph\u1ea3i s\u1ef1 c\u1ea3nh gi\u00e1c, \u0111\u1ed1i ph\u00f3 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c, kh\u00f4ng d\u1ec5 g\u00ec m\u1edf h\u1ea7u bao c\u1ee7a nhau. Trong th\u1eddi bu\u1ed5i kh\u00f3 kh\u0103n, c\u00e1c doanh nghi\u1ec7p \u0111\u1ec1u mu\u1ed1n nhanh ch\u00f3ng thu h\u1ed3i v\u1ed1n b\u00e1n h\u00e0ng, h\u1ea1n ch\u1ebf t\u1ed1i \u0111a vi\u1ec7c k\u00e9o d\u00e0i n\u1ee3 n\u1ea7n d\u00e2y d\u01b0a. Xem ra ch\u1ee7 y\u1ebfu l\u00e0 ng\u01b0\u1eddi \u0111\u00f2i n\u1ee3 v\u00e0 k\u1ebb tr\u1ed1n n\u1ee3, s\u1ebd kh\u00f4ng t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c nhi\u1ec1u doanh nghi\u1ec7p t\u00e0i tr\u1ee3 t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

V\u1ed1n vay n\u01b0\u1edbc ngo\u00e0i, mong ho\u00e0i ch\u1eb3ng \u0111\u01b0\u1ee3c <\/strong><\/h5>\n

V\u1ed1n vay n\u01b0\u1edbc ngo\u00e0i ch\u1ee7 y\u1ebfu l\u00e0 d\u01b0\u1edbi h\u00ecnh th\u1ee9c m\u1edf L\/C mua h\u00e0ng tr\u1ea3 ch\u1eadm. Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u01b0\u1ee3c tr\u1ea3 ch\u1eadm, c\u00e1c doanh nghi\u1ec7p c\u1ea7n c\u00f3 s\u1ef1 b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u00e3 qua r\u1ed3i c\u00e1i th\u1eddi, vi\u1ec7c m\u1edf L\/C \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3i quy\u1ebft m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng. \u0110\u1ebfn nay, vi\u1ec7c m\u1edf L\/C tr\u1ea3 ngay c\u0169ng nh\u01b0 tr\u1ea3 ch\u1eadm \u0111\u1ec1u b\u1ecb coi l\u00e0 m\u1ed9t lo\u1ea1i h\u00ecnh b\u00e3o l\u00e3nh v\u00e0 do \u0111\u00f3, ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u ki\u1ec7n g\u1ea7n nh\u01b0 m\u1ed9t kho\u1ea3n vay v\u1ed1n. Trong th\u1eddi k\u1ef3 l\u1ea1m ph\u00e1t, t\u1ef7 gi\u00e1 \u0111\u1ed3ng USD c\u0169ng th\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng b\u1ea5t th\u01b0\u1eddng, r\u1ee7i ro l\u1edbn \u0111\u1ed1i v\u1edbi ch\u00ednh c\u00e1c ng\u00e2n h\u00e0ng khi \u0111\u1ebfn th\u1eddi h\u1ea1n ph\u1ea3i thanh to\u00e1n v\u1edbi n\u01b0\u1edbc ngo\u00e0i. Do \u0111\u00f3, vi\u1ec7c \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh vay v\u1ed1n n\u01b0\u1edbc ngo\u00e0i c\u0169ng kh\u00f3 kh\u00f4ng k\u00e9m g\u00ec \u0111\u01b0\u1ee3c cho vay.<\/p>\n

C\u0169ng nh\u01b0 c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc, trong th\u1eddi k\u1ef3 kinh t\u1ebf thu\u1eadn bu\u1ed3m xu\u00f4i gi\u00f3, c\u00e1c doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i d\u1ec5 d\u00e0ng cho ng\u01b0\u1eddi mua tr\u1ea3 ch\u1eadm. Khi kinh t\u1ebf \u0111\u00ecnh \u0111\u1ed1n, vi\u1ec7c n\u00e0y \u0111ang v\u00e0 s\u1ebd tr\u1edf l\u00ean kh\u00f3 kh\u0103n h\u01a1n. Ch\u01b0a k\u1ec3, vi\u1ec7c vay v\u1ed1n trung d\u00e0i h\u1ea1n c\u1ee7a n\u01b0\u1edbc ngo\u00e0i c\u00f2n ph\u1ea3i \u0111\u0103ng k\u00fd v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 kh\u00f4ng ph\u1ea3i doanh nghi\u1ec7p n\u00e0o c\u0169ng l\u00e0m \u0111\u01b0\u1ee3c.<\/p>\n

V\u1ed1n vay n\u01a1i kh\u00e1c, r\u1ea3i r\u00e1c l\u00e0 bao<\/strong><\/h5>\n

Ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u00e1ng tin c\u1eady nh\u1ea5t \u0111\u1ec3 g\u1eedi ti\u1ec1n c\u0169ng r\u1ea5t kh\u00f3 kh\u0103n trong vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n, n\u00ean c\u00e1c doanh nghi\u1ec7p kh\u00f4ng d\u1ec5 g\u00ec thuy\u1ebft ph\u1ee5c \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c \u0111\u01b0a ti\u1ec1n cho m\u00ecnh s\u1eed d\u1ee5ng trong l\u00fac n\u00e0y. Ng\u01b0\u1eddi c\u00f3 nhi\u1ec1u hay \u00edt ti\u1ec1n \u0111\u1ec1u c\u1ea3m nh\u1eadn th\u1ea5y s\u1ef1 b\u1ea5t an, r\u1ee7i ro l\u1edbn. H\u01a1n n\u1eefa, v\u1ed1n vay ng\u00e2n h\u00e0ng 21%\/n\u0103m b\u1ecb coi l\u00e0 qu\u00e1 cao \u0111\u1ec3 kinh doanh c\u00f3 l\u00e3i, th\u00ec vay c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c kh\u00f3 c\u00f3 gi\u00e1 th\u1ea5p h\u01a1n.<\/p>\n

Ng\u00e2n h\u00e0ng l\u00e0 nh\u1eefng nh\u00e0 cho vay chuy\u00ean nghi\u1ec7p, v\u1edbi th\u1ee7 t\u1ee5c, \u0111i\u1ec1u ki\u1ec7n ch\u1eb7t ch\u1ebd kh\u1eaft khe m\u00e0 \u00a0kh\u00f4ng mu\u1ed1n cho vay, th\u00ec c\u0169ng s\u1ebd kh\u00f4ng d\u1ec5 g\u00ec nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n c\u1ee7a nh\u1eefng ng\u01b0\u1eddi cho vay b\u1ea5t \u0111\u1eafc d\u0129, l\u1ea1i kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ea3m ti\u1ec1n vay, k\u1ec3 c\u1ea3 v\u1edbi l\u00e3i su\u1ea5t v\u01b0\u1ee3t tr\u1ea7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Th\u00e2n b\u1eb1ng c\u1ed1 h\u1eefu g\u1ea7n xa, n\u1ebfu c\u00f3 v\u1ed1n th\u00ec c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng t\u1eeb tr\u01b0\u1edbc, th\u1eadm ch\u00ed ngay t\u1eeb khi b\u1eaft \u0111\u1ea7u kh\u1edfi nghi\u1ec7p kinh doanh.<\/p>\n

V\u1ed1n n\u00e0o c\u0169ng h\u00e3i v\u1edbi l\u00e3i su\u1ea5t cao<\/strong><\/h5>\n

Trong th\u1eddi k\u1ef3 n\u00e0y, d\u00f9 h\u01b0\u1edbng \u0111\u1ebfn ngu\u1ed3n v\u1ed1n n\u00e0o c\u0169ng \u0111\u1ec1u l\u00e0 b\u00e0i to\u00e1n nan gi\u1ea3i v\u1ec1 c\u1ea3 kh\u1ea3 n\u0103ng vay \u0111\u01b0\u1ee3c ti\u1ec1n v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t vay. Tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7, c\u00e1c doanh nghi\u1ec7p \u0111\u1ec1u ph\u1ea3i r\u1ea5t c\u00e2n nh\u1eafc tr\u01b0\u1edbc khi b\u01b0\u1edbc qua r\u00e0o c\u1ea3n n\u00e0y. Kh\u00f4ng c\u00f3 nhi\u1ec1u hy v\u1ecdng v\u1edbi vi\u1ec7c vay v\u1ed1n v\u00e0 gi\u1ea3m \u0111\u00e1ng k\u1ec3 l\u00e3i su\u1ea5t trong \u00edt nh\u1ea5t l\u00e0 v\u00e0i th\u00e1ng t\u1edbi. S\u00e1ch l\u01b0\u1ee3c h\u00e0ng \u0111\u1ea7u l\u00e0 gi\u1ea3m thi\u1ec3u vi\u1ec7c vay m\u01b0\u1ee3n, n\u1ee3 n\u1ea7n.<\/p>\n

C\u00e1c doanh nghi\u1ec7p c\u1ea7n l\u01b0u \u00fd r\u1eb1ng, vay v\u1ed1n t\u1eeb b\u1ea5t k\u1ef3 ngu\u1ed3n n\u00e0o c\u0169ng n\u1eb1m trong gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1. V\u00ed d\u1ee5, t\u1ea1i th\u1eddi \u0111i\u1ec3m l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n 14%\/n\u0103m hi\u1ec7n nay, m\u1ecdi giao d\u1ecbch vay v\u1ed1n \u0111\u1ec1u kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 21%\/n\u0103m, t\u1ee9c l\u00e0 1,75%\/th\u00e1ng. N\u1ebfu giao d\u1ecbch n\u00e0o v\u01b0\u1ee3t qu\u00e1 (kh\u00f4ng k\u1ec3 c\u00e1c chi ph\u00ed kh\u00e1c ngo\u00e0i l\u00e3i), khi c\u00f3 tranh ch\u1ea5p, ki\u1ec7n c\u00e1o ra t\u00f2a \u00e1n, s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt c\u00f4ng nh\u1eadn ph\u1ea7n l\u00e3i v\u01b0\u1ee3t. T\u1ea5t nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf c\u0169ng \u00edt khi c\u00e1c b\u00ean \u201cd\u1eabn nhau\u201d ra t\u00f2a, cho n\u00ean c\u00e1c giao d\u1ecbch v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y l\u1ea1i nghi\u1ec5m nhi\u00ean \u0111\u01b0\u1ee3c h\u1ecd coi l\u00e0 b\u00ecnh th\u01b0\u1eddng. Th\u1eadm ch\u00ed trong nh\u1eefng th\u1eddi \u0111i\u1ec3m nh\u1ea5t \u0111\u1ecbnh, ch\u00ednh Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 cho ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i vay tr\u00ean th\u1ecb tr\u01b0\u1eddng m\u1edf, qua \u0111\u1ea5u th\u1ea7u gi\u1ea5y t\u1edd c\u00f3 gi\u00e1, l\u00ean \u0111\u1ebfn 171% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Do v\u1eady, ph\u1ea3n \u1ee9ng qu\u00e1 m\u1ea1nh v\u1ec1 vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng cho vay v\u1edbi l\u00e3i su\u1ea5t cao v\u00e0 cho vay v\u01b0\u1ee3t m\u1ee9c 21% l\u00e0 kh\u00f4ng ho\u00e0n to\u00e0n h\u1ee3p l\u00fd, nh\u1ea5t l\u00e0 vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc y\u00eau c\u1ea7u x\u1eed l\u00fd v\u01b0\u1ee3t c\u1ea3 th\u1ea9m quy\u1ec1n v\u00e0 ph\u1ea1m vi theo lu\u1eadt \u0111\u1ecbnh. T\u00e1c d\u1ee5ng ng\u01b0\u1ee3c c\u1ee7a n\u00f3 l\u00e0 g\u00f3p ph\u1ea7n d\u1ef1ng th\u00eam r\u00e0o c\u1ea3n \u0111\u1ed1i v\u1edbi d\u00f2ng v\u1ed1n ch\u1ea3y t\u1eeb ng\u00e2n h\u00e0ng sang doanh nghi\u1ec7p. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn v\u00f2ng xo\u00e1y (xo\u1eafn) lu\u1ea9n qu\u1ea9n, c\u1ea3 ng\u01b0\u1eddi \u0111i vay v\u00e0 k\u1ebb cho vay \u0111\u1ec1u b\u1ecb \u0111\u1ea9y v\u00e0o th\u1ebf c\u00f9ng l\u1ef1c ki\u1ec7t, t\u00ea li\u1ec7t kinh doanh.<\/p>\n

C\u00f3 m\u1ed9t \u0111i\u1ec1u g\u1eafn li\u1ec1n v\u1edbi n\u1ee3 qu\u00e1 h\u1ea1n r\u1ea5t \u00edt doanh nghi\u1ec7p \u0111\u1ec3 \u00fd, \u0111\u00f3 l\u00e0 ph\u1ea7n l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n t\u0103ng th\u00eam kh\u00e1 cao, c\u00f3 th\u1ec3 b\u1eb1ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. T\u1ee9c l\u00e0 vay v\u1ed1n 21%\/n\u0103m, khi qu\u00e1 h\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 th\u00eam 14% n\u1eefa, t\u1ed5ng c\u1ed9ng l\u00e0 35%, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 31,5% nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng \u0111ang t\u00ednh nh\u1ea7m theo quy \u0111\u1ecbnh c\u0169. Vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n b\u1eb1ng 150% l\u00e3i su\u1ea5t trong h\u1ea1n, l\u00e0 tr\u00e1i v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 5, \u0110i\u1ec1u 474 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. V\u00ed d\u1ee5, \u00e1p d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, th\u00ec khi cho vay 14%\/n\u0103m, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n t\u1ed1i \u0111a ch\u1ec9 \u0111\u01b0\u1ee3c c\u1ed9ng th\u00eam 7%\/n\u0103m, khi cho vay 21%, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n t\u1ed1i \u0111a l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p c\u1ed9ng th\u00eam 10,5%\/n\u0103m, trong khi theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec c\u1ea3 hai tr\u01b0\u1eddng h\u1ee3p tr\u00ean \u0111\u1ec1u \u0111\u01b0\u1ee3c c\u1ed9ng th\u00eam t\u1ed1i \u0111a 14%\/n\u0103m.<\/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.
\n<\/strong><\/p>\n

(1.794)<\/em><\/p>\n

———–<\/p>\n

B\u00e0i vi\u1ebft \u0111\u0103ng T\u1ea1p ch\u00ed Nh\u00e0 Qu\u1ea3n l\u00fd s\u1ed1 62\/8-2008<\/em><\/strong><\/h5>\n

\u0110\u0103ng l\u1ea1i:<\/strong><\/p>\n

    \n
  1. http:\/\/sites.google.com\/site\/toakinhte\/v<\/a><\/li>\n
  2. http:\/\/thongtinphapluatdansu.wordpress.com\/2010\/03\/01\/4627-2\/<\/a><\/li>\n
  3. http:\/\/www.lawdata.com.vn\/news\/chay-von–tron-no–so-lai–hai-tien.aspx<\/a><\/li>\n
  4. http:\/\/www.lawdatavietnam.com\/news\/luat-le-lat-leo–bop-meo-thi-truong.aspx<\/a><\/li>\n
  5. http:\/\/www.luatsuvn.net\/news\/chay-von–tron-no–so-lai–hai-tien.aspx<\/a><\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"

    Ch\u1ea1y v\u1ed1n, tr\u1ed1n n\u1ee3 – S\u1ee3 l\u00e3i, h\u00e3i ti\u1ec1n. (NQL) – C\u00e2u h\u1ecfi \u0111\u1ea7u ti\u00ean trong kinh doanh \u0111\u01b0\u1ee3c \u0111\u01b0a ra th\u1eadt t\u1ef1 nhi\u00ean, \u0111\u01a1n gi\u1ea3n v\u1edbi ngh\u0129a l\u00e0 \u201cti\u1ec1n \u0111\u00e2u\u201d? C\u00f3 r\u1ea5t nhi\u1ec1u ngu\u1ed3n v\u1ed1n ph\u1ee5c v\u1ee5 cho doanh nghi\u1ec7p. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi nh\u1eefng doanh nghi\u1ec7p b\u00ecnh th\u01b0\u1eddng, th\u00ec th\u1eadt kh\u00f3 \u201cxoay\u201d v\u1ed1n […]<\/p>\n","protected":false},"author":7,"featured_media":5146,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[34,36],"class_list":["post-5145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n88. Ch\u1ea1y v\u1ed1n, tr\u1ed1n n\u1ee3 - S\u1ee3 l\u00e3i, h\u00e3i ti\u1ec1n. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Ch\u1ea1y v\u1ed1n, tr\u1ed1n n\u1ee3 - S\u1ee3 l\u00e3i, h\u00e3i ti\u1ec1n. 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