{"id":6216,"date":"2014-11-13T20:01:47","date_gmt":"2014-11-13T13:01:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6216"},"modified":"2022-02-11T11:54:09","modified_gmt":"2022-02-11T04:54:09","slug":"231-binh-luan-du-thao-nghi-dinh-ve-chinh-sach-tin-dung-phuc-vu-phat-trien-nong-nghiep-nong-thon","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/231-binh-luan-du-thao-nghi-dinh-ve-chinh-sach-tin-dung-phuc-vu-phat-trien-nong-nghiep-nong-thon\/","title":{"rendered":"231. B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n."},"content":{"rendered":"<strong><em>(ANVI) &#8211; B\u1ed9 T\u01b0 ph\u00e1p 13-11-2014\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 13-11-2014\u00a0\u00a0\u00a0\u00a0 <\/em><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><a name=\"_Toc184551505\"><\/a><a name=\"_Toc157034604\"><\/a><a name=\"_Toc105930256\"><\/a><a name=\"_Toc105302765\"><\/a>Ph\u00e1t bi\u1ec3u t\u1ea1i H\u1ed9i \u0111\u1ed3ng Th\u1ea9m \u0111\u1ecbnh D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh V\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n theo Quy\u1ebft \u0111\u1ecbnh c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u01b0 ph\u00e1p.<\/p>\n<ol>\n<li>V\u1ec1 c\u01a1 ch\u1ebf b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay (c\u00e1c \u0111i\u1ec1u 5, 9, 14 v\u00e0 15):<\/li>\n<\/ol>\n<ul>\n<li>Kho\u1ea3n 2, \u0110i\u1ec1u 5 v\u1ec1 \u201cNguy\u00ean t\u1eafc cho vay\u201d quy \u0111\u1ecbnh \u201cKh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo m\u1ee9c vay quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 9 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y. Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u v\u1ed1n vay cao h\u01a1n m\u1ee9c vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m.\u201d\n<ul>\n<li>Quy \u0111\u1ecbnh n\u00e0y l\u00e0 kh\u00f4ng ch\u00ednh x\u00e1c, g\u00e2y nh\u1ea7m l\u1eabn r\u1eb1ng, cho vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 b\u1eaft bu\u1ed9c, c\u00f2n cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 9. Trong khi \u0111\u00f3, ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh kh\u00f4ng quy \u0111\u1ecbnh TCTD b\u1eaft bu\u1ed9c ph\u1ea3i cho vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/li>\n<li>Kho\u1ea3n 1, \u0110i\u1ec1u 94 v\u1ec1 \u201cX\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng, ki\u1ec3m tra s\u1eed d\u1ee5ng ti\u1ec1n vay\u201d, Lu\u1eadt C\u00e1c TCTD c\u0169ng ch\u1ec9 quy \u0111\u1ecbnh: \u201c1. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p t\u00e0i li\u1ec7u ch\u1ee9ng minh ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi, kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n h\u1ee3p ph\u00e1p, bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh c\u1ea5p t\u00edn d\u1ee5ng.\u201d T\u1ee9c l\u00e0 Lu\u1eadt ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m nh\u01b0 c\u00f3 hay kh\u00f4ng c\u00f3 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, t\u00edn ch\u1ea5p hay kh\u00f4ng c\u00f3 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m, ch\u1ee9 kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng t\u00e0i s\u1ea3n.<\/li>\n<li>Ch\u00ednh kho\u1ea3n 1, \u0110i\u1ec1u 9 v\u1ec1 &#8220;C\u01a1 ch\u1ebf b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay&#8221; c\u1ee7a D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh c\u0169ng quy \u0111\u1ecbnh: &#8220;1. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c xem x\u00e9t cho kh\u00e1ch h\u00e0ng vay tr\u00ean c\u01a1 s\u1edf c\u00f3 b\u1ea3o \u0111\u1ea3m ho\u1eb7c kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.&#8221;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>2. Kho\u1ea3n 2, \u0110i\u1ec1u 9 quy \u0111\u1ecbnh m\u1ee9c cho vay kh\u00f4ng c\u00f3 &#8220;t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m&#8221; t\u1ed1i \u0111a 50 tri\u1ec7u &#8211; 3 t\u1ef7.\n<ul>\n<li>Ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi cho vay b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1eeb h\u00e0ng ch\u1ee5c n\u0103m tr\u01b0\u1edbc.<\/li>\n<li>Ch\u00ednh ph\u1ee7, NHNN \u0111ang h\u00f4 h\u00e0o, k\u00eau g\u1ecdi ng\u00e2n h\u00e0ng cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m?<\/li>\n<\/ul>\n<\/li>\n<li>Kho\u1ea3n 3, \u0110i\u1ec1u 9 quy \u0111\u1ecbnh: &#8220;3. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh tr\u00ean c\u01a1 s\u1edf c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb &#8211; x\u00e3 h\u1ed9i theo quy \u0111\u1ecbnh.&#8221;\n<ul>\n<li>Tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 b\u1ea3o l\u00e3nh.<\/li>\n<li>Tr\u00e1i v\u1edbi nguy\u00ean t\u1eafc TCTD \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh cho vay c\u00f3 ho\u1eb7c kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. L\u1eabn gi\u1eefa ph\u1ea7n t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch v\u00e0 t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\u0110\u1ec1 ngh\u1ecb s\u1eeda l\u1ea1i l\u00e0 cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p v\u00e0 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n<ul>\n<li>Kho\u1ea3n 4, \u0110i\u1ec1u 9 quy \u0111\u1ecbnh: &#8220;4. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u n\u00e0y ph\u1ea3i n\u1ed9p cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t (\u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t) ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 \u0111\u1ea5t kh\u00f4ng c\u00f3 tranh ch\u1ea5p do \u1ee6y ban nh\u00e2n d\u00e2n c\u1ea5p x\u00e3 x\u00e1c nh\u1eadn. Kh\u00e1ch h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c c\u1ea5p m\u1ed9t b\u1ea3n ch\u00ednh (duy nh\u1ea5t) gi\u1ea5y x\u00e1c nh\u1eadn ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 \u0111\u1ea5t kh\u00f4ng c\u00f3 tranh ch\u1ea5p \u0111\u1ec3 s\u1eed d\u1ee5ng vay v\u1ed1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho \u0111\u1ebfn khi \u0111\u01b0\u1ee3c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc ph\u00e1p lu\u1eadt v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng gi\u1ea5y x\u00e1c nh\u1eadn tr\u00ean \u0111\u1ec3 vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh n\u00e0y.&#8221;\n<ul>\n<li>Quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng h\u1ee3p l\u00fd. H\u1ea1n ch\u1ebf quy\u1ec1n th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n v\u00e0 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 kh\u00e1c c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay v\u1ed1n theo Ngh\u1ecb \u0111\u1ecbnh n\u00e0y.<\/li>\n<li>Kh\u00f4ng ph\u1ea3i l\u00e0 bi\u1ec7n ph\u00e1p ph\u00e1p l\u00fd, v\u00ec n\u1ebfu kh\u00f4ng n\u1ed9p ho\u1eb7c n\u1ed9p r\u1ed3i v\u00e0 v\u1eabn th\u1ebf ch\u1ea5p \u1edf n\u01a1i kh\u00e1c th\u00ec h\u1eadu qu\u1ea3 ra sao.<\/li>\n<li>Kh\u00f4ng t\u00e1ch b\u1ea1ch \u0111\u01b0\u1ee3c gi\u1eefa quy\u1ec1n vay v\u00e0 quy\u1ec1n cho vay ch\u00ednh s\u00e1ch v\u00e0 th\u01b0\u01a1ng m\u1ea1i.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb b\u1ecf quy \u0111\u1ecbnh n\u00e0y.<\/p>\n<ul>\n<li>\u0110i\u1ec1u 14 v\u1ec1 &#8220;Ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng khuy\u1ebfn kh\u00edch s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p theo m\u00f4 h\u00ecnh li\u00ean k\u1ebft&#8221; v\u00e0 \u0110i\u1ec1u 15 v\u1ec1 &#8220;Ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng khuy\u1ebfn kh\u00edch s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao&#8221; quy \u0111\u1ecbnh: C\u00e1c doanh nghi\u1ec7p, h\u1ee3p t\u00e1c x\u00e3, li\u00ean hi\u1ec7p h\u1ee3p t\u00e1c x\u00e3,&#8230; \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1ed1i \u0111a b\u1eb1ng 70% &#8211; 80% gi\u00e1 tr\u1ecb c\u1ee7a d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t, kinh doanh.<\/li>\n<\/ul>\n<p>\u0110i\u1ec1u n\u00e0y l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch. Nh\u01b0ng ph\u1ee7 nh\u1eadn, m\u00e2u thu\u1eabn v\u1edbi t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i, c\u0169ng c\u00f3 th\u1ec3 cho vay c\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00e0y. Khi \u0111\u00f3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy\u1ec1n cho vay m\u1ee9c cao h\u01a1n, b\u1eb1ng, th\u1ea5p h\u01a1n th\u1eadm ch\u00ed kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n<ul>\n<li>T\u00f3m l\u1ea1i to\u00e0n b\u1ed9 n\u1ed9i dung quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay trong 4 \u0111i\u1ec1u 5, 9, 14 v\u00e0 15 c\u1ea7n ph\u1ea3i thi\u1ebft k\u1ebf l\u1ea1i to\u00e0n b\u1ed9, tr\u00e1nh sai lu\u1eadt, m\u00e2u thu\u1eabn v\u00e0 g\u00e2y nh\u1ea7m l\u1eabn l\u1edbn v\u00ec:\n<ul>\n<li>Kh\u00f4ng ph\u1ea3i TCTD ch\u1ec9 cho vay c\u00e1c c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, HTX, doanh nghi\u1ec7p v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c theo ch\u00ednh s\u00e1ch n\u00e0y, m\u00e0 c\u00f2n cho vay th\u01b0\u01a1ng m\u1ea1i b\u00ecnh th\u01b0\u1eddng.<\/li>\n<li>D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh \u0111\u00e3 nh\u1eadp nh\u00e8m l\u1eabn l\u1ed9n, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c gi\u1eefa 2 lo\u1ea1i cho vay n\u00e0y:<\/li>\n<\/ul>\n<\/li>\n<li>M\u1ee9c vay n\u00e0o l\u00e0 ch\u00ednh s\u00e1ch, m\u1ee9c n\u00e0o l\u00e0 th\u01b0\u01a1ng m\u1ea1i?<\/li>\n<li>B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay n\u00e0o l\u00e0 ch\u00ednh s\u00e1ch, b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay n\u00e0o l\u00e0 th\u01b0\u01a1ng m\u1ea1i?<\/li>\n<li>Ph\u1ea7n d\u01b0 n\u1ee3 n\u00e0o tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng theo t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch, ph\u1ea7n n\u00e0o theo t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i?<\/li>\n<\/ul>\n<ol start=\"2\">\n<li>V\u1ec1 Gi\u1ea3i th\u00edch v\u00e0 s\u1eed d\u1ee5ng t\u1eeb ng\u1eef (\u0110i\u1ec1u 3 v\u00e0 9):<\/li>\n<\/ol>\n<ul>\n<li>Kho\u1ea3n 1, \u0110i\u1ec1u 3 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d vi\u1ebft: \u201c1. N\u00f4ng th\u00f4n l\u00e0 khu v\u1ef1c \u0111\u1ecba gi\u1edbi h\u00e0nh ch\u00ednh kh\u00f4ng bao g\u1ed3m \u0111\u1ecba b\u00e0n c\u1ee7a ph\u01b0\u1eddng, qu\u1eadn thu\u1ed9c th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1.\u201d l\u00e0 kh\u00f4ng ch\u00ednh x\u00e1c, kh\u00f4ng h\u1ee3p l\u00fd, v\u00ec:\n<ul>\n<li>Gi\u1ea3i th\u00edch lo\u1ea1i tr\u1eeb thay v\u00ec gi\u1ea3i th\u00edch tr\u1ef1c ti\u1ebfp;<\/li>\n<li>Kh\u00f4ng c\u0103n c\u1ee9 v\u00e0o m\u1ed9t ti\u00eau ch\u00ed:<\/li>\n<\/ul>\n<\/li>\n<li>N\u1ebfu c\u0103n c\u1ee9 v\u00e0o \u0111\u01a1n v\u1ecb h\u00e0nh ch\u00ednh c\u1ea5p x\u00e3, th\u00ec ch\u1ec9 c\u1ea7n quy \u0111\u1ecbnh n\u00f4ng th\u00f4n l\u00e0 \u0111\u01a1n v\u1ecb h\u00e0nh ch\u00ednh x\u00e3, th\u1ecb tr\u1ea5n (t\u1ee9c lo\u1ea1i tr\u1eeb ph\u01b0\u1eddng).<\/li>\n<li>N\u1ebfu c\u0103n c\u1ee9 v\u00e0o c\u1ea5p huy\u1ec7n th\u00ec c\u1ea7n quy \u0111\u1ecbnh n\u00f4ng th\u00f4n l\u00e0 \u0111\u01a1n v\u1ecb h\u00e0nh ch\u00ednh huy\u1ec7n; th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1 thu\u1ed9c t\u1ec9nh (tr\u1eeb ph\u01b0\u1eddng).<\/li>\n<li>Kho\u1ea3n 4, Kho\u1ea3n 1, \u0110i\u1ec1u 3 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d gi\u1ea3i th\u00edch v\u1ec1 \u201cH\u1ed9 kinh doanh\u201d l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft, v\u00ec tr\u00f9ng l\u1eb7p nh\u01b0ng l\u1ea1i kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c b\u1eb1ng quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 49 v\u1ec1 \u201cH\u1ed9 kinh doanh\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 43\/2010\/N\u0110-CP ng\u00e0y 15-4-2010 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 \u0111\u0103ng k\u00fd doanh nghi\u1ec7p.<\/li>\n<li>Kho\u1ea3n 5, \u0110i\u1ec1u 9 v\u1ec1 &#8220;C\u01a1 ch\u1ebf b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay&#8221;: C\u1ea7n s\u1eeda &#8220;c\u01a1 quan c\u00f4ng ch\u1ee9ng&#8221; th\u00e0nh &#8220;t\u1ed5 ch\u1ee9c h\u00e0nh ngh\u1ec1 c\u00f4ng ch\u1ee9ng&#8221; cho \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00f4ng ch\u1ee9ng.<\/li>\n<\/ul>\n<ol start=\"3\">\n<li>V\u1ec1 b\u1ed1 c\u1ee5c Ngh\u1ecb \u0111\u1ecbnh:<\/li>\n<\/ol>\n<ul>\n<li>B\u1ed1 c\u1ee5c 3 ch\u01b0\u01a1ng: Quy \u0111\u1ecbnh chung, Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u00e0 T\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n r\u1ea5t kh\u00f4ng h\u1ee3p l\u00fd. Kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c gi\u1eefa quy \u0111\u1ecbnh chung v\u00e0 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3. &#8220;T\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n&#8221; l\u00e0 chung hay c\u1ee5 th\u1ec3. Kh\u00f4ng th\u1ebf ch\u1ea5p nh\u1eadn v\u0103n b\u1ea3n 3 ch\u01b0\u01a1ng.<\/li>\n<li>Ki\u1ebfn ngh\u1ecb: Ho\u1eb7c b\u1ecf t\u00ean ch\u01b0\u01a1ng ho\u1eb7c ph\u1ea3i b\u1ed1 c\u1ee5c th\u00e0nh \u00edt nh\u1ea5t 4 ch\u01b0\u01a1ng.<\/li>\n<\/ul>\n<p><em>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/p>\n<p><strong><em>B\u1ed9 T\u01b0 ph\u00e1p 13-11-2014\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 13-11-2014\u00a0\u00a0\u00a0\u00a0 <\/em><\/strong><\/p>\n<p><strong>B\u00ccNH LU\u1eacN D\u1ef0 TH\u1ea2O NGH\u1eca \u0110\u1ecaNH V\u1ec0 CH\u00cdNH S\u00c1CH T\u00cdN D\u1ee4NG<\/strong><\/p>\n<p><strong>PH\u1ee4C V\u1ee4 PH\u00c1T TRI\u1ec2N N\u00d4NG NGHI\u1ec6P, N\u00d4NG TH\u00d4N<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><a name=\"_Toc184551505\"><\/a><a name=\"_Toc157034604\"><\/a><a name=\"_Toc105930256\"><\/a><a name=\"_Toc105302765\"><\/a>Ph\u00e1t bi\u1ec3u t\u1ea1i H\u1ed9i \u0111\u1ed3ng Th\u1ea9m \u0111\u1ecbnh D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh V\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n theo Quy\u1ebft \u0111\u1ecbnh c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u01b0 ph\u00e1p.<\/p>\n<ol>\n<li>V\u1ec1 c\u01a1 ch\u1ebf b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay (c\u00e1c \u0111i\u1ec1u 5, 9, 14 v\u00e0 15):<\/li>\n<\/ol>\n<ul>\n<li>Kho\u1ea3n 2, \u0110i\u1ec1u 5 v\u1ec1 \u201cNguy\u00ean t\u1eafc cho vay\u201d quy \u0111\u1ecbnh \u201cKh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo m\u1ee9c vay quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 9 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y. Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u v\u1ed1n vay cao h\u01a1n m\u1ee9c vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m.\u201d\n<ul>\n<li>Quy \u0111\u1ecbnh n\u00e0y l\u00e0 kh\u00f4ng ch\u00ednh x\u00e1c, g\u00e2y nh\u1ea7m l\u1eabn r\u1eb1ng, cho vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 b\u1eaft bu\u1ed9c, c\u00f2n cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 9. Trong khi \u0111\u00f3, ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh kh\u00f4ng quy \u0111\u1ecbnh TCTD b\u1eaft bu\u1ed9c ph\u1ea3i cho vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/li>\n<li>Kho\u1ea3n 1, \u0110i\u1ec1u 94 v\u1ec1 \u201cX\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng, ki\u1ec3m tra s\u1eed d\u1ee5ng ti\u1ec1n vay\u201d, Lu\u1eadt C\u00e1c TCTD c\u0169ng ch\u1ec9 quy \u0111\u1ecbnh: \u201c1. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p t\u00e0i li\u1ec7u ch\u1ee9ng minh ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi, kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n h\u1ee3p ph\u00e1p, bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh c\u1ea5p t\u00edn d\u1ee5ng.\u201d T\u1ee9c l\u00e0 Lu\u1eadt ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m nh\u01b0 c\u00f3 hay kh\u00f4ng c\u00f3 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, t\u00edn ch\u1ea5p hay kh\u00f4ng c\u00f3 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m, ch\u1ee9 kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng t\u00e0i s\u1ea3n.<\/li>\n<li>Ch\u00ednh kho\u1ea3n 1, \u0110i\u1ec1u 9 v\u1ec1 &#8220;C\u01a1 ch\u1ebf b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay&#8221; c\u1ee7a D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh c\u0169ng quy \u0111\u1ecbnh: &#8220;1. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c xem x\u00e9t cho kh\u00e1ch h\u00e0ng vay tr\u00ean c\u01a1 s\u1edf c\u00f3 b\u1ea3o \u0111\u1ea3m ho\u1eb7c kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.&#8221;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>2. Kho\u1ea3n 2, \u0110i\u1ec1u 9 quy \u0111\u1ecbnh m\u1ee9c cho vay kh\u00f4ng c\u00f3 &#8220;t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m&#8221; t\u1ed1i \u0111a 50 tri\u1ec7u &#8211; 3 t\u1ef7.\n<ul>\n<li>Ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi cho vay b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1eeb h\u00e0ng ch\u1ee5c n\u0103m tr\u01b0\u1edbc.<\/li>\n<li>Ch\u00ednh ph\u1ee7, NHNN \u0111ang h\u00f4 h\u00e0o, k\u00eau g\u1ecdi ng\u00e2n h\u00e0ng cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m?<\/li>\n<\/ul>\n<\/li>\n<li>Kho\u1ea3n 3, \u0110i\u1ec1u 9 quy \u0111\u1ecbnh: &#8220;3. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh tr\u00ean c\u01a1 s\u1edf c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb &#8211; x\u00e3 h\u1ed9i theo quy \u0111\u1ecbnh.&#8221;\n<ul>\n<li>Tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 b\u1ea3o l\u00e3nh.<\/li>\n<li>Tr\u00e1i v\u1edbi nguy\u00ean t\u1eafc TCTD \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh cho vay c\u00f3 ho\u1eb7c kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. L\u1eabn gi\u1eefa ph\u1ea7n t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch v\u00e0 t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\u0110\u1ec1 ngh\u1ecb s\u1eeda l\u1ea1i l\u00e0 cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p v\u00e0 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n<ul>\n<li>Kho\u1ea3n 4, \u0110i\u1ec1u 9 quy \u0111\u1ecbnh: &#8220;4. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u n\u00e0y ph\u1ea3i n\u1ed9p cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t (\u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t) ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 \u0111\u1ea5t kh\u00f4ng c\u00f3 tranh ch\u1ea5p do \u1ee6y ban nh\u00e2n d\u00e2n c\u1ea5p x\u00e3 x\u00e1c nh\u1eadn. Kh\u00e1ch h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c c\u1ea5p m\u1ed9t b\u1ea3n ch\u00ednh (duy nh\u1ea5t) gi\u1ea5y x\u00e1c nh\u1eadn ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 \u0111\u1ea5t kh\u00f4ng c\u00f3 tranh ch\u1ea5p \u0111\u1ec3 s\u1eed d\u1ee5ng vay v\u1ed1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho \u0111\u1ebfn khi \u0111\u01b0\u1ee3c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc ph\u00e1p lu\u1eadt v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng gi\u1ea5y x\u00e1c nh\u1eadn tr\u00ean \u0111\u1ec3 vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh n\u00e0y.&#8221;\n<ul>\n<li>Quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng h\u1ee3p l\u00fd. H\u1ea1n ch\u1ebf quy\u1ec1n th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n v\u00e0 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 kh\u00e1c c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay v\u1ed1n theo Ngh\u1ecb \u0111\u1ecbnh n\u00e0y.<\/li>\n<li>Kh\u00f4ng ph\u1ea3i l\u00e0 bi\u1ec7n ph\u00e1p ph\u00e1p l\u00fd, v\u00ec n\u1ebfu kh\u00f4ng n\u1ed9p ho\u1eb7c n\u1ed9p r\u1ed3i v\u00e0 v\u1eabn th\u1ebf ch\u1ea5p \u1edf n\u01a1i kh\u00e1c th\u00ec h\u1eadu qu\u1ea3 ra sao.<\/li>\n<li>Kh\u00f4ng t\u00e1ch b\u1ea1ch \u0111\u01b0\u1ee3c gi\u1eefa quy\u1ec1n vay v\u00e0 quy\u1ec1n cho vay ch\u00ednh s\u00e1ch v\u00e0 th\u01b0\u01a1ng m\u1ea1i.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb b\u1ecf quy \u0111\u1ecbnh n\u00e0y.<\/p>\n<ul>\n<li>\u0110i\u1ec1u 14 v\u1ec1 &#8220;Ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng khuy\u1ebfn kh\u00edch s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p theo m\u00f4 h\u00ecnh li\u00ean k\u1ebft&#8221; v\u00e0 \u0110i\u1ec1u 15 v\u1ec1 &#8220;Ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng khuy\u1ebfn kh\u00edch s\u1ea3n xu\u1ea5t n\u00f4ng nghi\u1ec7p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao&#8221; quy \u0111\u1ecbnh: C\u00e1c doanh nghi\u1ec7p, h\u1ee3p t\u00e1c x\u00e3, li\u00ean hi\u1ec7p h\u1ee3p t\u00e1c x\u00e3,&#8230; \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1ed1i \u0111a b\u1eb1ng 70% &#8211; 80% gi\u00e1 tr\u1ecb c\u1ee7a d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t, kinh doanh.<\/li>\n<\/ul>\n<p>\u0110i\u1ec1u n\u00e0y l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch. Nh\u01b0ng ph\u1ee7 nh\u1eadn, m\u00e2u thu\u1eabn v\u1edbi t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i, c\u0169ng c\u00f3 th\u1ec3 cho vay c\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00e0y. Khi \u0111\u00f3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy\u1ec1n cho vay m\u1ee9c cao h\u01a1n, b\u1eb1ng, th\u1ea5p h\u01a1n th\u1eadm ch\u00ed kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n<ul>\n<li>T\u00f3m l\u1ea1i to\u00e0n b\u1ed9 n\u1ed9i dung quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay trong 4 \u0111i\u1ec1u 5, 9, 14 v\u00e0 15 c\u1ea7n ph\u1ea3i thi\u1ebft k\u1ebf l\u1ea1i to\u00e0n b\u1ed9, tr\u00e1nh sai lu\u1eadt, m\u00e2u thu\u1eabn v\u00e0 g\u00e2y nh\u1ea7m l\u1eabn l\u1edbn v\u00ec:\n<ul>\n<li>Kh\u00f4ng ph\u1ea3i TCTD ch\u1ec9 cho vay c\u00e1c c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, HTX, doanh nghi\u1ec7p v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c theo ch\u00ednh s\u00e1ch n\u00e0y, m\u00e0 c\u00f2n cho vay th\u01b0\u01a1ng m\u1ea1i b\u00ecnh th\u01b0\u1eddng.<\/li>\n<li>D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh \u0111\u00e3 nh\u1eadp nh\u00e8m l\u1eabn l\u1ed9n, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c gi\u1eefa 2 lo\u1ea1i cho vay n\u00e0y:<\/li>\n<\/ul>\n<\/li>\n<li>M\u1ee9c vay n\u00e0o l\u00e0 ch\u00ednh s\u00e1ch, m\u1ee9c n\u00e0o l\u00e0 th\u01b0\u01a1ng m\u1ea1i?<\/li>\n<li>B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay n\u00e0o l\u00e0 ch\u00ednh s\u00e1ch, b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay n\u00e0o l\u00e0 th\u01b0\u01a1ng m\u1ea1i?<\/li>\n<li>Ph\u1ea7n d\u01b0 n\u1ee3 n\u00e0o tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng theo t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch, ph\u1ea7n n\u00e0o theo t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i?<\/li>\n<\/ul>\n<ol start=\"2\">\n<li>V\u1ec1 Gi\u1ea3i th\u00edch v\u00e0 s\u1eed d\u1ee5ng t\u1eeb ng\u1eef (\u0110i\u1ec1u 3 v\u00e0 9):<\/li>\n<\/ol>\n<ul>\n<li>Kho\u1ea3n 1, \u0110i\u1ec1u 3 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d vi\u1ebft: \u201c1. N\u00f4ng th\u00f4n l\u00e0 khu v\u1ef1c \u0111\u1ecba gi\u1edbi h\u00e0nh ch\u00ednh kh\u00f4ng bao g\u1ed3m \u0111\u1ecba b\u00e0n c\u1ee7a ph\u01b0\u1eddng, qu\u1eadn thu\u1ed9c th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1.\u201d l\u00e0 kh\u00f4ng ch\u00ednh x\u00e1c, kh\u00f4ng h\u1ee3p l\u00fd, v\u00ec:\n<ul>\n<li>Gi\u1ea3i th\u00edch lo\u1ea1i tr\u1eeb thay v\u00ec gi\u1ea3i th\u00edch tr\u1ef1c ti\u1ebfp;<\/li>\n<li>Kh\u00f4ng c\u0103n c\u1ee9 v\u00e0o m\u1ed9t ti\u00eau ch\u00ed:<\/li>\n<\/ul>\n<\/li>\n<li>N\u1ebfu c\u0103n c\u1ee9 v\u00e0o \u0111\u01a1n v\u1ecb h\u00e0nh ch\u00ednh c\u1ea5p x\u00e3, th\u00ec ch\u1ec9 c\u1ea7n quy \u0111\u1ecbnh n\u00f4ng th\u00f4n l\u00e0 \u0111\u01a1n v\u1ecb h\u00e0nh ch\u00ednh x\u00e3, th\u1ecb tr\u1ea5n (t\u1ee9c lo\u1ea1i tr\u1eeb ph\u01b0\u1eddng).<\/li>\n<li>N\u1ebfu c\u0103n c\u1ee9 v\u00e0o c\u1ea5p huy\u1ec7n th\u00ec c\u1ea7n quy \u0111\u1ecbnh n\u00f4ng th\u00f4n l\u00e0 \u0111\u01a1n v\u1ecb h\u00e0nh ch\u00ednh huy\u1ec7n; th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1 thu\u1ed9c t\u1ec9nh (tr\u1eeb ph\u01b0\u1eddng).<\/li>\n<li>Kho\u1ea3n 4, Kho\u1ea3n 1, \u0110i\u1ec1u 3 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d gi\u1ea3i th\u00edch v\u1ec1 \u201cH\u1ed9 kinh doanh\u201d l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft, v\u00ec tr\u00f9ng l\u1eb7p nh\u01b0ng l\u1ea1i kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c b\u1eb1ng quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 49 v\u1ec1 \u201cH\u1ed9 kinh doanh\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 43\/2010\/N\u0110-CP ng\u00e0y 15-4-2010 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 \u0111\u0103ng k\u00fd doanh nghi\u1ec7p.<\/li>\n<li>Kho\u1ea3n 5, \u0110i\u1ec1u 9 v\u1ec1 &#8220;C\u01a1 ch\u1ebf b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay&#8221;: C\u1ea7n s\u1eeda &#8220;c\u01a1 quan c\u00f4ng ch\u1ee9ng&#8221; th\u00e0nh &#8220;t\u1ed5 ch\u1ee9c h\u00e0nh ngh\u1ec1 c\u00f4ng ch\u1ee9ng&#8221; cho \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00f4ng ch\u1ee9ng.<\/li>\n<\/ul>\n<ol start=\"3\">\n<li>V\u1ec1 b\u1ed1 c\u1ee5c Ngh\u1ecb \u0111\u1ecbnh:<\/li>\n<\/ol>\n<ul>\n<li>B\u1ed1 c\u1ee5c 3 ch\u01b0\u01a1ng: Quy \u0111\u1ecbnh chung, Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u00e0 T\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n r\u1ea5t kh\u00f4ng h\u1ee3p l\u00fd. Kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c gi\u1eefa quy \u0111\u1ecbnh chung v\u00e0 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3. &#8220;T\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n&#8221; l\u00e0 chung hay c\u1ee5 th\u1ec3. Kh\u00f4ng th\u1ebf ch\u1ea5p nh\u1eadn v\u0103n b\u1ea3n 3 ch\u01b0\u01a1ng.<\/li>\n<li>Ki\u1ebfn ngh\u1ecb: Ho\u1eb7c b\u1ecf t\u00ean ch\u01b0\u01a1ng ho\u1eb7c ph\u1ea3i b\u1ed1 c\u1ee5c th\u00e0nh \u00edt nh\u1ea5t 4 ch\u01b0\u01a1ng.<\/li>\n<\/ul>\n<p><em>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/p>\n<p><em>\u0110C:\u00a0<\/em><em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em><em>ANVI, t\u1ea7ng 2, T\u00f2a nh\u00e0 Savina, s\u1ed1 1 \u0110inh L\u1ec5, ph\u1ed1 Tr\u00e0ng Ti\u1ec1n, qu\u1eadn Ho\u00e0n Ki\u1ebfm,\u00a0<\/em><em>HN<\/em><\/p>\n<p><em>FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n<p><em>E-mail: duc.tt\u00a0@anvilaw.com<\/em><\/p>\n<p><em>Web: www.anvilaw.com<\/em><\/p>\n<p><em>\u0110T: 090.345.9070<\/em>","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; B\u1ed9 T\u01b0 ph\u00e1p 13-11-2014\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 13-11-2014\u00a0\u00a0\u00a0\u00a0 &nbsp; Ph\u00e1t bi\u1ec3u t\u1ea1i H\u1ed9i \u0111\u1ed3ng Th\u1ea9m \u0111\u1ecbnh D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh V\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n theo Quy\u1ebft \u0111\u1ecbnh c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u01b0 ph\u00e1p. V\u1ec1 c\u01a1 ch\u1ebf b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay (c\u00e1c \u0111i\u1ec1u 5, 9, 14 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6049,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6216","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>231. B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n. - ANVI Law Firm<\/title>\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\/231-binh-luan-du-thao-nghi-dinh-ve-chinh-sach-tin-dung-phuc-vu-phat-trien-nong-nghiep-nong-thon\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]231. B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) &#8211; B\u1ed9 T\u01b0 ph\u00e1p 13-11-2014\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 13-11-2014\u00a0\u00a0\u00a0\u00a0 &nbsp; Ph\u00e1t bi\u1ec3u t\u1ea1i H\u1ed9i \u0111\u1ed3ng Th\u1ea9m \u0111\u1ecbnh D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh V\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n theo Quy\u1ebft \u0111\u1ecbnh c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u01b0 ph\u00e1p. 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