{"id":5171,"date":"2008-12-23T19:04:42","date_gmt":"2008-12-23T12:04:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5171"},"modified":"2024-11-10T10:13:45","modified_gmt":"2024-11-10T03:13:45","slug":"96-nhung-rui-ro-tu-viec-cam-co-the-tiet-kiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/96-nhung-rui-ro-tu-viec-cam-co-the-tiet-kiem\/","title":{"rendered":"96. Nh\u1eefng r\u1ee7i ro t\u1eeb vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m."},"content":{"rendered":"<h4><span style=\"color: #723918;\">Nh\u1eefng r\u1ee7i ro t\u1eeb vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m.<\/span><\/h4>\n<h5><strong><em>(TCNH) &#8211; Vi\u1ec7c cho vay tr\u00ean c\u01a1 s\u1edf c\u1ea7m c\u1ed1 b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m kh\u00f4ng ph\u1ea3i bao gi\u1edd c\u0169ng an to\u00e0n 100%. Tuy nhi\u00ean, n\u1ebfu nh\u1eadn di\u1ec7n sai r\u1ee7i ro \u0111\u1ed1i v\u1edbi bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay n\u00e0y, th\u00ec s\u1ebd t\u1ef1 chu\u1ed1c th\u00eam s\u1ef1 r\u1eafc r\u1ed1i kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 \u0111\u00e1nh m\u1ea5t nh\u1eefng c\u01a1 h\u1ed9i kinh doanh an to\u00e0n, hi\u1ec7u qu\u1ea3. <\/em><\/strong><\/h5>\n<h5><strong>Nh\u1eefng r\u1ee7i ro c\u00f3 th\u1ec3?<\/strong><\/h5>\n<p>T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 21 th\u00e1ng 11-2008 c\u00f3 \u0111\u0103ng b\u00e0i \u201cNh\u1eadn c\u1ea7m c\u1ed1\/th\u1ebf ch\u1ea5p s\u1ed5 ti\u1ebft ki\u1ec7m do ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh ph\u1ea3i ch\u0103ng r\u1ea5t an to\u00e0n\u201d c\u1ee7a t\u00e1c gi\u1ea3 \u0110\u1ed7 Th\u1ebf M\u00e3i. T\u00e1c gi\u1ea3 \u0111\u00e3 \u0111\u01b0a ra hai t\u00ecnh hu\u1ed1ng r\u1ee7i ro trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng cho vay v\u00e0 nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 th\u1ebb ti\u1ebft ki\u1ec7m do ch\u00ednh ng\u00e2n h\u00e0ng m\u00ecnh ph\u00e1t h\u00e0nh, \u0111\u00f3 l\u00e0: R\u1ee7i ro v\u1ec1 th\u1ee9 t\u1ef1 \u01b0u ti\u00ean thanh to\u00e1n v\u00e0 R\u1ee7i ro v\u1ec1 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u.<\/p>\n<p>\u0110\u1ed1i v\u1edbi lo\u1ea1i R\u1ee7i ro v\u1ec1 th\u1ee9 t\u1ef1 \u01b0u ti\u00ean thanh to\u00e1n, t\u00e1c gi\u1ea3 cho r\u1eb1ng: \u201cNg\u00e2n h\u00e0ng nh\u1eadn c\u1ea7m c\u1ed1\/th\u1ebf ch\u1ea5p s\u1ed5 ti\u1ebft ki\u1ec7m do ch\u00ednh m\u00ecnh ph\u00e1t h\u00e0nh c\u00f3 th\u1ec3 kh\u00f4ng thu \u0111\u01b0\u1ee3c \u0111\u1ed3ng n\u00e0o t\u1eeb vi\u1ec7c x\u1eed l\u00fd s\u1ed5 ti\u1ebft ki\u1ec7m khi ph\u1ea3i x\u1eed l\u00fd s\u1ed5 ti\u1ebft ki\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 thu n\u1ee3 do kh\u00f4ng \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1\/th\u1ebf ch\u1ea5p s\u1ed5 ti\u1ebft ki\u1ec7m\u201d.<\/p>\n<p>\u0110\u1ed1i v\u1edbi lo\u1ea1i R\u1ee7i ro v\u1ec1 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u, t\u00e1c gi\u1ea3 cho r\u1eb1ng: \u201cDo nh\u1eadn th\u1ee9c vi\u1ec7c c\u1ea7m c\u1ed1\/th\u1ebf ch\u1ea5p s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 kh\u00f4ng c\u00f3 r\u1ee7i ro, v\u00ec v\u1eady m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng k\u00fd k\u1ebft m\u1ed9t h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o chung cho nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00e1c nhau \u0111\u00e3 kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p n\u00f3i tr\u00ean. Nh\u01b0 v\u1eady, \u0111\u1ed1i chi\u1ebfu v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt giao d\u1ecbch b\u1ea3o \u0111\u1ea3m hi\u1ec7n h\u00e0nh, h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p tr\u00ean \u0111\u00e3 b\u1ecb v\u00f4 hi\u1ec7u. D\u00f9 h\u1eadu qu\u1ea3 l\u00e0 nh\u01b0 th\u1ebf n\u00e0o, ng\u00e2n h\u00e0ng c\u00f3 thu \u0111\u01b0\u1ee3c n\u1ee3 hay kh\u00f4ng th\u00ec vi\u1ec7c k\u00fd m\u1ed9t h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p m\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 l\u1ea1i v\u00f4 hi\u1ec7u l\u00e0 \u0111i\u1ec1u kh\u00f4ng ai mu\u1ed1n, v\u00e0 t\u1ea5t nhi\u00ean, l\u00fac n\u00e0y r\u1ee7i ro v\u1eabn thu\u1ed9c v\u1ec1 ng\u00e2n h\u00e0ng\u201d.<\/p>\n<p>\u00dd ki\u1ebfn tr\u00ean \u0111\u00e3 g\u00e2y ra s\u1ef1 ho\u00e0i nghi, lo l\u1eafng cho c\u00e1c ng\u00e2n h\u00e0ng. Li\u1ec7u t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay, t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u l\u00e0m sai ph\u00e1p lu\u1eadt v\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u?<\/p>\n<h5><strong>Nh\u1eefng r\u1ee7i ro kh\u00f4ng c\u00f3 th\u1eadt<\/strong><\/h5>\n<p>Theo t\u00f4i, ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 h\u1eadu qu\u1ea3 v\u00f4 hi\u1ec7u v\u00e0 r\u1ee7i ro v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay trong tr\u01b0\u1eddng h\u1ee3p nh\u1eadn b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m n\u00f3i tr\u00ean.<\/p>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, th\u00ec c\u1ea7m c\u1ed1 l\u00e0 vi\u1ec7c chuy\u1ec3n giao t\u00e0i s\u1ea3n, c\u00f2n th\u1ebf ch\u1ea5p th\u00ec kh\u00f4ng c\u00f3 vi\u1ec7c chuy\u1ec3n giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 t\u00e0i s\u1ea3n c\u1ee5 th\u1ec3, th\u00ec ph\u00e1p lu\u1eadt l\u1ea1i quy \u0111\u1ecbnh r\u00f5 l\u00e0 ch\u1ec9 c\u00f3 th\u1ebf ch\u1ea5p ho\u1eb7c c\u1ea7m c\u1ed1, ch\u1ee9 kh\u00f4ng ho\u00e0n to\u00e0n d\u1ef1a theo y\u1ebfu t\u1ed1 chuy\u1ec3n giao hay kh\u00f4ng. V\u00ed d\u1ee5 m\u1ed9t s\u1ed1 lo\u1ea1i t\u00e0i s\u1ea3n ch\u1ec9 th\u1ebf ch\u1ea5p, nh\u01b0: Quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t (Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003), nh\u00e0 \u1edf (Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005), t\u00e0u c\u00e1 (Lu\u1eadt Thu\u1ef7 s\u1ea3n n\u0103m 2003), t\u00e0u bi\u1ec3n (B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i n\u0103m 2005). V\u00e0 m\u1ed9t s\u1ed1 t\u00e0i s\u1ea3n kh\u00e1c, th\u00ec l\u1ea1i ch\u1ec9 c\u00f3 c\u1ea7m c\u1ed1, nh\u01b0: C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng l\u00e0 s\u00e9c, h\u1ed1i phi\u1ebfu \u0111\u00f2i n\u1ee3, h\u1ed1i phi\u1ebfu nh\u1eadn n\u1ee3 (Lu\u1eadt c\u00e1c C\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng n\u0103m 2005); ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, t\u00edn phi\u1ebfu, tr\u00e1i phi\u1ebfu v\u00e0 c\u00e1c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 (Quy ch\u1ebf Ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 trong n\u01b0\u1edbc c\u1ee7a TCTD, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 07\/2008\/Q\u0110-NHNN ng\u00e0y 24-3-2008 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN) v\u00e0 th\u1ebb ti\u1ebft ki\u1ec7m.<\/p>\n<p>Vi\u1ec7c nh\u1eadn b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m, ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1 ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 th\u1ebf ch\u1ea5p theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. T\u1ea1i \u0110i\u1ec1u 21 v\u1ec1 \u201cS\u1eed d\u1ee5ng th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay\u201d, Quy ch\u1ebf v\u1ec1 Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN ng\u00e0y 13-9-2004 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 47\/2006\/Q\u0110-NHNN ng\u00e0y 25-9-2006) c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ch\u1ec9 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c c\u1ea7m c\u1ed1, m\u00e0 kh\u00f4ng n\u00f3i v\u1ec1 th\u1ebf ch\u1ea5p th\u1ebb ti\u1ebft ki\u1ec7m. T\u1ea1i \u0110i\u1ec1u 19 v\u1ec1 \u201cQuy\u1ec1n c\u1ee7a b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 trong tr\u01b0\u1eddng h\u1ee3p nh\u1eadn c\u1ea7m c\u1ed1 v\u1eadn \u0111\u01a1n, th\u1ebb ti\u1ebft ki\u1ec7m, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u00e3 \u0111\u01b0a th\u1ebb ti\u1ebft ki\u1ec7m v\u00e0o nh\u00f3m bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m l\u00e0 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n.<\/p>\n<p>Theo c\u00e1c quy \u0111\u1ecbnh tr\u00ean, th\u00ec ph\u00e1p lu\u1eadt \u0111\u00e3 m\u1eb7c nhi\u00ean x\u00e1c \u0111\u1ecbnh th\u1ebb ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c x\u1ebfp v\u00e0o nh\u00f3m gi\u1ea5y t\u1edd c\u00f3 gi\u00e1, ch\u1ec9 s\u1eed d\u1ee5ng \u0111\u1ec3 c\u1ea7m c\u1ed1 m\u00e0 kh\u00f4ng s\u1eed d\u1ee5ng kh\u00e1i ni\u1ec7m th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u00e1c ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1. N\u1ebfu th\u1ebb ti\u1ebft ki\u1ec7m c\u0169ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, th\u00ec Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN n\u00f3i tr\u00ean \u0111\u00e3 ph\u1ea3i ghi th\u00eam ch\u1eef \u201cth\u1ebf ch\u1ea5p\u201d v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP n\u00f3i tr\u00ean \u0111\u00e3 kh\u00f4ng ghi nh\u1eadn th\u1ebb ti\u1ebft ki\u1ec7m v\u00e0o M\u1ee5c \u201cC\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n\u201d. Bi\u1ec7n ph\u00e1p th\u1ebf ch\u1ea5p c\u0169ng kh\u00f4ng b\u1ea3o \u0111\u1ea3m ch\u1eafc ch\u1eafn b\u1eb1ng c\u1ea7m c\u1ed1 v\u00e0 trong tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n l\u00e0 th\u1ebb ti\u1ebft ki\u1ec7m, n\u1ebfu \u201cth\u1ebf ch\u1ea5p\u201d, th\u00ec ph\u1ea3i l\u00e0m th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p h\u01a1n, k\u00e9m hi\u1ec7u qu\u1ea3 h\u01a1n c\u1ea7m c\u1ed1. N\u1ebfu nh\u01b0 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u1ea3 c\u1ea7m c\u1ed1 v\u00e0 th\u1ebf ch\u1ea5p, th\u00ec l\u1ef1a ch\u1ecdn \u0111\u1ea7u ti\u00ean c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd l\u00e0 c\u1ea7m c\u1ed1. Do v\u1eady, n\u1ebfu nh\u01b0 ng\u00e2n h\u00e0ng n\u00e0o c\u00f3 s\u1eed d\u1ee5ng nh\u1ea7m thu\u1eadt ng\u1eef \u201cth\u1ebf ch\u1ea5p\u201d th\u1ebb ti\u1ebft ki\u1ec7m th\u00ec v\u1eabn s\u1ebd \u0111\u01b0\u1ee3c hi\u1ec3u v\u1ec1 b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd l\u00e0 \u201cc\u1ea7m c\u1ed1\u201d, c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 vi\u1ec7c \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n, th\u00ec ch\u1ec9 c\u00f3 kh\u00e1i ni\u1ec7m ph\u00e1p l\u00fd \u201cth\u1ebf ch\u1ea5p\u201d, ch\u1ee9 kh\u00f4ng c\u00f3 \u201cc\u1ea7m c\u1ed1\u201d b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n<p>Do vi\u1ec7c nh\u1eadn b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m ch\u1ec9 l\u00e0 bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1, cho n\u00ean kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 08\/2000\/N\u0110-CP ng\u00e0y 10-3-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u0110\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, c\u0169ng nh\u01b0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y c\u0169ng ho\u00e0n to\u00e0n \u00a0kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u1eb7t ra y\u00eau c\u1ea7u t\u1ef1 nguy\u1ec7n \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, v\u00ec kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 g\u00ec v\u1ec1 ph\u00e1p l\u00fd c\u0169ng nh\u01b0 th\u1ef1c t\u1ebf. Ng\u00e2n h\u00e0ng nh\u1eadn c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m ch\u1ec9 c\u1ea7n t\u1ef1 m\u00ecnh phong to\u1ea3 ho\u1eb7c \u201cy\u00eau c\u1ea7u t\u1ed5 ch\u1ee9c nh\u1eadn ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m phong to\u1ea3 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u1ee7a b\u00ean c\u1ea7m c\u1ed1\u201d theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP. H\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 n\u00e0y s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb th\u1eddi \u0111i\u1ec3m phong to\u1ea3, m\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c c\u00f3 hay kh\u00f4ng \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m. Ng\u00e2n h\u00e0ng nh\u1eadn c\u1ea7m c\u1ed1 sau (n\u1ebfu c\u00f3) bu\u1ed9c ph\u1ea3i \u201c\u0111\u0103ng k\u00fd\u201d v\u1edbi ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m (nh\u1eadn c\u1ea7m c\u1ed1 tr\u01b0\u1edbc), ch\u1ee9 kh\u00f4ng th\u1ec3 d\u00e0nh quy\u1ec1n \u01b0u ti\u00ean thanh to\u00e1n tr\u01b0\u1edbc t\u1eeb vi\u1ec7c \u0111\u0103ng k\u00fd \u201cth\u1ebf ch\u1ea5p\u201d (n\u1ebfu c\u00f3).<\/p>\n<p>Nh\u01b0 v\u1eady, c\u1ea3 hai lo\u1ea1i r\u1ee7i ro m\u00e0 t\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft tr\u00ean \u0111\u01b0a ra l\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 c\u0103n c\u1ee9, kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ed1i ph\u00f3, v\u00ec l\u00e0 \u0111i\u1ec1u kh\u00f4ng x\u1ea3y ra. N\u1ebfu c\u00f3 r\u1ee7i ro trong vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m n\u00f3i chung hay c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m do ch\u00ednh ng\u00e2n h\u00e0ng m\u00ecnh ph\u00e1t h\u00e0nh, th\u00ec l\u00e0 nh\u1eefng lo\u1ea1i r\u1ee7i ro kh\u00e1c.<\/p>\n<h5><strong>Nh\u1eefng r\u1ee7i ro ti\u1ec1m t\u00e0ng<\/strong><\/h5>\n<p>D\u00f9 b\u1ea3o \u0111\u1ea3m b\u1eb1ng c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0 m\u1ed9t trong nh\u1eefng bi\u1ec7n ph\u00e1p an to\u00e0n nh\u1ea5t, nh\u01b0ng v\u1eabn c\u00f3 th\u1ec3 x\u1ea3y ra nhi\u1ec1u s\u1ef1 r\u1ee7i ro b\u1ea5t tr\u1eafc nh\u01b0 sau:<\/p>\n<ul>\n<li>Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u1ee7a ph\u00e1p nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c kh\u00e1c giao cho c\u00e1 nh\u00e2n \u0111\u1ee9ng t\u00ean (nh\u01b0 c\u00e1 nh\u00e2n c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0 ti\u1ec1n qu\u1ef9 c\u00f4ng \u0111o\u00e0n);<\/li>\n<li>Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u1ee7a ng\u01b0\u1eddi n\u00e0y, nh\u01b0ng l\u1ea1i do ng\u01b0\u1eddi kh\u00e1c \u0111\u1ee9ng t\u00ean h\u1ed9 (nh\u01b0 con c\u00e1i c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0 ti\u1ec1n do b\u1ed1 m\u1eb9 nh\u1edd g\u1eedi h\u1ed9);<\/li>\n<li>Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m thu\u1ed9c s\u1edf h\u1eefu chung c\u1ee7a v\u1ee3 ch\u1ed3ng (nh\u01b0 ch\u1ec9 m\u1ed9t ng\u01b0\u1eddi v\u1ee3 ho\u1eb7c ch\u1ed3ng c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0 ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a m\u00ecnh);<\/li>\n<li>Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m thu\u1ed9c s\u1edf h\u1eefu chung c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi (nh\u01b0 m\u1ed9t ng\u01b0\u1eddi c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0 ti\u1ec1n c\u1ee7a m\u1ed9t nh\u00f3m b\u1ea1n g\u00f3p v\u00e0o);<\/li>\n<li>Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng c\u00f3 to\u00e0n b\u1ed9 hay m\u1ed9t ph\u1ea7n (nh\u01b0 c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m gi\u1ea3);<\/li>\n<li>Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m l\u00e0 t\u00e0i s\u1ea3n do ph\u1ea1m t\u1ed9i m\u00e0 c\u00f3 (nh\u01b0 c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0 ti\u1ec1n tham \u00f4);<\/li>\n<li>Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m b\u1ecb r\u00fat ra trong khi \u0111ang \u0111\u01b0\u1ee3c c\u1ea7m c\u1ed1 (nh\u01b0 c\u1ea7m c\u1ed1 nh\u01b0ng kh\u00f4ng ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c phong to\u1ea3);<\/li>\n<li>Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng r\u00fat ra \u0111\u01b0\u1ee3c (nh\u01b0 c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng b\u1ecb ph\u00e1 s\u1ea3n);<\/li>\n<li>\u2026..<\/li>\n<\/ul>\n<p>Nh\u1eefng t\u00ecnh tr\u1ea1ng tr\u00ean x\u1ea3y ra m\u1ed9t c\u00e1ch t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ed5 bi\u1ebfn. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, h\u1eadu qu\u1ea3 r\u1ee7i ro cu\u1ed1i c\u00f9ng ch\u1ec9 x\u1ea3y ra r\u1ea5t \u00edt v\u00e0 \u0111\u01b0\u1ee3c c\u00e1c b\u00ean li\u00ean quan d\u1ec5 d\u00e0ng ch\u1ea5p nh\u1eadn \u0111\u1ec3 x\u1eed l\u00fd \u1ed5n tho\u1ea3. Do \u0111\u00f3, vi\u1ec7c nh\u1eadn c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m lu\u00f4n l\u00e0 m\u1ed9t trong nh\u1eefng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay an to\u00e0n nh\u1ea5t. N\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng ch\u1ee7 \u0111\u1ed9ng xem x\u00e9t kh\u1eafc ph\u1ee5c nh\u1eefng kh\u1ea3 n\u0103ng n\u00f3i tr\u00ean th\u00ec s\u1ebd gi\u1ea3m thi\u1ec3u r\u1ee7i ro h\u01a1n n\u1eefa.<\/p>\n<h5><strong>V\u00e0 m\u1ee9c \u0111\u1ed9 <\/strong><strong>r\u1ee7i ro <\/strong><strong>theo c\u01a1 s\u1edf ph\u00e1p l\u00fd<\/strong><\/h5>\n<p>T\u1ea1i C\u00f4ng v\u0103n s\u1ed1 1132\/NHNN-CSTT ng\u00e0y 18-10-2002 c\u1ee7a NHNN v\u1ec1 cho vay c\u00f3 c\u1ea7m c\u1ed1 b\u1eb1ng gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 \u0111\u00e3 h\u01b0\u1edbng d\u1eabn c\u00e1c ng\u00e2n h\u00e0ng x\u00e1c \u0111\u1ecbnh kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh \u0111\u1ec3 tr\u1ea3 n\u1ee3 vay c\u1ee7a Kh\u00e1ch h\u00e0ng b\u1eb1ng ch\u00ednh gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u1ee7a gi\u1ea5y t\u1edd c\u00f3 gi\u00e1. C\u0169ng theo C\u00f4ng v\u0103n n\u00e0y, th\u00ec c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 c\u1ea7n y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p th\u00f4ng tin v\u1ec1 ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n v\u00e0 m\u1ee5c \u0111\u00edch vay v\u1ed1n \u0111\u1ec3 ghi v\u00e0o h\u1ed3 s\u01a1 vay v\u1ed1n, ch\u1ee9 kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i th\u1ea9m \u0111\u1ecbnh nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p cho vay th\u00f4ng th\u01b0\u1eddng kh\u00e1c.<\/p>\n<p>C\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh c\u1ee7a NHNN c\u0169ng \u0111\u00e3 x\u00e1c \u0111\u1ecbnh vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c x\u1ebfp lo\u1ea1i r\u1ee7i ro b\u1eb1ng kh\u00f4ng. C\u1ee5 th\u1ec3, t\u1ea1i \u0111i\u1ec3m g, kho\u1ea3n 1, \u0110i\u1ec1u 6, Quy \u0111\u1ecbnh v\u1ec1 c\u00e1c t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 457\/2005\/Q\u0110-NHNN ng\u00e0y 19-4-2005 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh 03\/2007\/Q\u0110-NHNN ng\u00e0y 19-01-2007) c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 quy \u0111\u1ecbnh: C\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m thu\u1ed9c nh\u00f3m t\u00e0i s\u1ea3n &#8220;C\u00f3&#8221; c\u00f3 h\u1ec7 s\u1ed1 r\u1ee7i ro l\u00e0 0% (trong khi b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 50%).<\/p>\n<p>V\u00e0 kho\u1ea3n 4, \u0110i\u1ec1u 8, Quy \u0111\u1ecbnh v\u1ec1 ph\u00e2n lo\u1ea1i n\u1ee3, tr\u00edch l\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a TCTD, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 493\/2005\/Q\u0110-NHNN ng\u00e0y 22-4-2005 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 18\/2007\/Q\u0110-NHNN ng\u00e0y 25-4-2007) c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 quy \u0111\u1ecbnh: T\u1ef7 l\u1ec7 kh\u1ea5u tr\u1eeb t\u1ed1i \u0111a \u0111\u1ec3 t\u00ednh d\u1ef1 ph\u00f2ng c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 th\u1ebb ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 100% (trong khi b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ed1i \u0111a l\u00e0 50%).<\/p>\n<p>Nh\u01b0 v\u1eady, v\u1ec1 c\u1ea3 ph\u00e1p l\u00fd c\u0169ng nh\u01b0 th\u1ef1c t\u1ebf, vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m c\u00f3 x\u00e1c xu\u1ea5t r\u1ee7i ro l\u00e0 r\u1ea5t th\u1ea5p, n\u00ean ho\u00e0n to\u00e0n kh\u00f4ng \u0111\u00e1ng lo ng\u1ea1i. \u0110\u1ed3ng th\u1eddi c\u0169ng ho\u00e0n to\u00e0n kh\u00f4ng x\u1ea3y ra c\u00e1c lo\u1ea1i r\u1ee7i ro nh\u01b0 \u0111\u1ed1i v\u1edbi bi\u1ec7n ph\u00e1p th\u1ebf ch\u1ea5p c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c.<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/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<hr \/>\n<p><strong><em>B\u00e0i \u0111\u0103ng T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 23\/12-2008<\/em><\/strong><\/p>\n<p><strong>\u0110\u0103ng l\u1ea1i:<\/strong><\/p>\n<ol>\n<li><a href=\"http:\/\/thongtinphapluatdansu.wordpress.com\/2010\/07\/15\/nh%e1%bb%afng-r%e1%bb%a7i-ro-t%e1%bb%ab-vi%e1%bb%87c-c%e1%ba%a7m-c%e1%bb%91-th%e1%ba%bb-ti%e1%ba%bft-ki%e1%bb%87m\/\">http:\/\/thongtinphapluatdansu.wordpress.com\/2010\/07\/15\/nh%e1%bb%afng-r%e1%bb%a7i-ro-t%e1%bb%ab-vi%e1%bb%87c-c%e1%ba%a7m-c%e1%bb%91-th%e1%ba%bb-ti%e1%ba%bft-ki%e1%bb%87m\/<\/a><\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>Nh\u1eefng r\u1ee7i ro t\u1eeb vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m. (TCNH) &#8211; Vi\u1ec7c cho vay tr\u00ean c\u01a1 s\u1edf c\u1ea7m c\u1ed1 b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m kh\u00f4ng ph\u1ea3i bao gi\u1edd c\u0169ng an to\u00e0n 100%. Tuy nhi\u00ean, n\u1ebfu nh\u1eadn di\u1ec7n sai r\u1ee7i ro \u0111\u1ed1i v\u1edbi bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay n\u00e0y, th\u00ec s\u1ebd t\u1ef1 chu\u1ed1c th\u00eam s\u1ef1 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5172,"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-5171","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>96. Nh\u1eefng r\u1ee7i ro t\u1eeb vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Nh\u1eefng r\u1ee7i ro t\u1eeb vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m. Vi\u1ec7c cho vay tr\u00ean c\u01a1 s\u1edf c\u1ea7m c\u1ed1 b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m kh\u00f4ng ph\u1ea3i bao gi\u1edd c\u0169ng an to\u00e0n 100%...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/96-nhung-rui-ro-tu-viec-cam-co-the-tiet-kiem\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]96. Nh\u1eefng r\u1ee7i ro t\u1eeb vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Nh\u1eefng r\u1ee7i ro t\u1eeb vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m. Vi\u1ec7c cho vay tr\u00ean c\u01a1 s\u1edf c\u1ea7m c\u1ed1 b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m kh\u00f4ng ph\u1ea3i bao gi\u1edd c\u0169ng an to\u00e0n 100%...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/96-nhung-rui-ro-tu-viec-cam-co-the-tiet-kiem\/\" \/>\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=\"2008-12-23T12:04:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-10T03:13:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/11.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"852\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\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=\"12 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/96-nhung-rui-ro-tu-viec-cam-co-the-tiet-kiem\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/96-nhung-rui-ro-tu-viec-cam-co-the-tiet-kiem\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"96. 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