{"id":6224,"date":"2014-11-15T20:10:21","date_gmt":"2014-11-15T13:10:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6224"},"modified":"2022-02-11T11:53:47","modified_gmt":"2022-02-11T04:53:47","slug":"232-binh-luan-du-thao-quyet-dinh-cua-thu-tuong-chinh-phu-ve-viec-cho-vay-doi-voi-ho-moi-thoat-ngheo-tai-ngan-hang-chinh-sach-xa-hoi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/232-binh-luan-du-thao-quyet-dinh-cua-thu-tuong-chinh-phu-ve-viec-cho-vay-doi-voi-ho-moi-thoat-ngheo-tai-ngan-hang-chinh-sach-xa-hoi\/","title":{"rendered":"232. B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c cho vay \u0111\u1ed1i v\u1edbi h\u1ed9 m\u1edbi tho\u00e1t ngh\u00e8o t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i."},"content":{"rendered":"(ANVI) – B\u1ed9 T\u01b0 ph\u00e1p\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 14-11-2014\u00a0 \u00a0<\/em><\/strong><\/p>\n

Ph\u00e1t bi\u1ec3u t\u1ea1i cu\u1ed9c h\u1ecdp H\u1ed9i \u0111\u1ed3ng Th\u1ea9m \u0111\u1ecbnh D\u1ef1 th\u1ea3o Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 V\u1ec1 vi\u1ec7c cho vay \u0111\u1ed1i v\u1edbi h\u1ed9 m\u1edbi tho\u00e1t ngh\u00e8o t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i.<\/em><\/p>\n

    \n
  1. <\/a><\/a><\/a><\/a><\/a><\/a> V\u1ec1 Ph\u1ea1m vi v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng (\u0110i\u1ec1u 1):<\/li>\n<\/ol>\n
      \n
    • C\u1ea3 Quy\u1ebft \u0111\u1ecbnh ch\u1ec9 th\u1ea5y \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c vay v\u1ed1n, nh\u01b0ng kh\u00f4ng h\u1ec1 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c h\u1ecd thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o, \u0111\u01b0\u1ee3c vay th\u1ebf n\u00e0o, vay l\u00e0m g\u00ec, vay ra sao,\u2026?<\/li>\n
    • V\u00ec v\u1eady, c\u1ea7n quy \u0111\u1ecbnh r\u00f5 trong \u0110i\u1ec1u n\u00e0y l\u00e0 \u0111\u01b0\u1ee3c vay v\u1ed1n theo \u201cNgh\u1ecb \u0111\u1ecbnh s\u1ed1 78\/2002\/N\u0110-CP ng\u00e0y 04-10-2002 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c;\u201d. Trong kho\u1ea3n 1, \u0110i\u1ec1u 1 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5: \u201c1. T\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c l\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh do Nh\u00e0 n\u01b0\u1edbc huy \u0111\u1ed9ng \u0111\u1ec3 cho ng\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c vay \u01b0u \u0111\u00e3i ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t, kinh doanh, t\u1ea1o vi\u1ec7c l\u00e0m, c\u1ea3i thi\u1ec7n \u0111\u1eddi s\u1ed1ng; g\u00f3p ph\u1ea7n th\u1ef1c hi\u1ec7n Ch\u01b0\u01a1ng tr\u00ecnh m\u1ee5c ti\u00eau qu\u1ed1c gia xo\u00e1 \u0111\u00f3i, gi\u1ea3m ngh\u00e8o, \u1ed5n \u0111\u1ecbnh x\u00e3 h\u1ed9i.<\/em>\u201d<\/li>\n
    • \u0110\u1ed3ng th\u1eddi c\u0169ng c\u1ea7n quy \u0111\u1ecbnh r\u00f5 l\u00e0 vi\u1ec7c vay v\u00e0 cho vay n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 78\/2002\/N\u0110-CP. Tr\u00e1nh Quy\u1ebft \u0111\u1ecbnh c\u00f3 g\u1ed1c nh\u01b0ng l\u1ea1i b\u1ecb m\u1ea5t g\u1ed1c.<\/li>\n
    • \u0110\u1ec1 ngh\u1ecb xem x\u00e9t ph\u01b0\u01a1ng \u00e1n s\u1eeda \u0111\u1ed5i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 78\/2002\/N\u0110-CP thay cho vi\u1ec7c ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh n\u00e0y.<\/li>\n<\/ul>\n
        \n
      1. V\u1ec1 M\u1ee9c cho vay v\u00e0 th\u1eddi h\u1ea1n cho vay (\u0110i\u1ec1u 2):<\/li>\n<\/ol>\n

        \u0110\u1ec1 ngh\u1ecb b\u1edf quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u n\u00e0y \u201c2. H\u1ed9 tho\u00e1t c\u00e2\u0323n ngh\u00e8o kh\u00f4ng ph\u1ea3i th\u1ef1c hi\u1ec7n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i.\u201d v\u00ec \u0110i\u1ec1u 3, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 78\/2002\/N\u0110-CP \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5: \u201cNg\u01b0\u1eddi ngh\u00e8o v\u00e0 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch kh\u00e1c (sau \u0111\u00e2y g\u1ecdi l\u00e0 Ng\u01b0\u1eddi vay) khi vay v\u1ed1n theo quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y kh\u00f4ng ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n, tr\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf thu\u1ed9c c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, kho\u1ea3n 5 \u0110i\u1ec1u 2 Ngh\u1ecb \u0111\u1ecbnh n\u00e0y. Ri\u00eang \u0111\u1ed1i v\u1edbi h\u1ed9 ngh\u00e8o, \u0111\u01b0\u1ee3c mi\u1ec5n l\u1ec7 ph\u00ed l\u00e0m th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh trong vi\u1ec7c vay v\u1ed1n<\/em>.\u201d<\/p>\n

          \n
        1. V\u1ec1 s\u1eed d\u1ee5ng t\u1eeb ng\u1eef:<\/li>\n<\/ol>\n
            \n
          • \u0110\u1ec1 ngh\u1ecb x\u00e1c \u0111\u1ecbnh l\u1ea1i ch\u1ee7 th\u1ec3 ph\u00e1p l\u00fd vay v\u1ed1n l\u00e0 g\u00ec, \u201cng\u01b0\u1eddi\u201d, \u201ch\u1ed9\u201d, hay \u201ch\u1ed9 gia \u0111\u00ecnh\u201d. Trong D\u1ef1 th\u1ea3o s\u1eed d\u1ee5ng t\u1eeb h\u1ed9, th\u00ec kh\u00f4ng \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c l\u00e0 \u201ch\u1ed9 gia \u0111\u00ecnh\u201d, \u201ch\u1ed9 kinh doanh\u201d.<\/li>\n
          • \u0110\u1ec1 ngh\u1ecb xem l\u1ea1i c\u1ee5m t\u1eeb \u201ch\u1ed9 m\u1edbi tho\u00e1t ngh\u00e8o\u201d t\u1ea1i t\u00ean Quy\u1ebft \u0111\u1ecbnh v\u00e0 \u201ch\u00f4\u0323 thoa\u0301t c\u00e2\u0323n nghe\u0300o\u201d t\u1ea1i \u0110i\u1ec1u 1 v\u1ec1 \u201cPh\u1ea1m vi v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng\u201d kh\u00f4ng th\u1ed1ng nh\u1ea5t v\u00e0 kh\u00f4ng h\u1ee3p l\u00fd l\u1eafm. C\u00f3 th\u1ec3 ch\u1ecdn t\u00ean kh\u00e1c, nh\u01b0 h\u1ed9 c\u00f3 thu nh\u1eadp th\u1ea5p. Th\u1ef1c ch\u1ea5t c\u1eadn ngh\u00e8o, tho\u00e1t c\u1eadn ngh\u00e8o c\u0169ng \u0111\u1ec1u l\u00e0 ngh\u00e8o<\/li>\n
          • \u0110\u1ec1 ngh\u1ecb s\u1eeda c\u1ee5m t\u1eeb \u201ckh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c cho vay t\u1ed1i \u0111a ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh\u201d th\u00e0nh \u201ckh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c cho vay ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh\u201d (b\u1ecf t\u1eeb \u201ct\u1ed1i \u0111a\u201d v\u00ec tr\u00f9ng l\u1eb7p v\u1edbi t\u1eeb \u201ckh\u00f4ng qu\u00e1\u201d) t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 2 v\u1ec1 \u201cM\u1ee9c cho vay v\u00e0 th\u1eddi h\u1ea1n cho vay\u201d.<\/li>\n
          • \u0110\u1ec1 ngh\u1ecb s\u1eeda c\u1ee5m t\u1eeb \u201ct\u1ed1i \u0111a kh\u00f4ng qu\u00e1\u201d th\u00e0nh \u201ckh\u00f4ng qu\u00e1 m\u1ed9t chu k\u1ef3 s\u1ea3n xu\u1ea5t, kinh doanh\u201d (b\u1ecf t\u1eeb \u201ct\u1ed1i \u0111a\u201d v\u00ec tr\u00f9ng l\u1eb7p v\u1edbi t\u1eeb \u201ckh\u00f4ng qu\u00e1\u201d) t\u1ea1i \u0110i\u1ec1u 3 v\u1ec1 \u201cTh\u1eddi h\u1ea1n cho vay\u201d.<\/li>\n
          • \u0110\u1ec1 ngh\u1ecb s\u1eeda t\u1eeb \u201ch\u00e0ng n\u0103m\u201d th\u00e0nh \u201ch\u1eb1ng n\u0103m\u201d, \u201ch\u00e0ng th\u00e1ng\u201d th\u00e0nh \u201ch\u1eb1ng th\u00e1ng\u201d t\u1ea1i \u0111i\u1ec3m b, \u0111i\u1ec3m c, kho\u1ea3n 1 v\u00e0 \u0111i\u1ec3m a, kho\u1ea3n 4, \u0110i\u1ec1u 6 v\u1ec1 \u201ctr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean quan\u201d.<\/li>\n<\/ul>\n
              \n
            1. V\u1ec1 Tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean quan (\u0110i\u1ec1u 6):<\/li>\n<\/ol>\n
                \n
              • \u0110i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 6 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean quan\u201d quy \u0111\u1ecbnh: Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i: c\u00f3 tr\u00e1ch nhi\u1ec7m: \u201cH\u01b0\u1edbng d\u1eabn quy tr\u00ecnh, th\u1ee7 t\u1ee5c v\u00e0 c\u00e1c nghi\u1ec7p v\u1ee5 li\u00ean quan \u0111\u1ebfn vi\u1ec7c vay v\u1ed1n c\u1ee7a h\u1ed9 thoa\u0301t c\u00e2\u0323n ngh\u00e8o.\u201d <\/em><\/li>\n<\/ul>\n

                \u0110\u1ec1 ngh\u1ecb xem l\u1ea1i, NHNN x\u00e2y d\u1ef1ng thay v\u00ec Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch;<\/p>\n

                  \n
                • \u0110i\u1ec3m c, kho\u1ea3n 1, \u0110i\u1ec1u 6 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean quan\u201d quy \u0111\u1ecbnh: \u201c\u0110\u1ecbnh k\u1ef3 ng\u00e0y 15 h\u00e0ng th\u00e1ng, Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i b\u00e1o c\u00e1o Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, B\u1ed9 T\u00e0i ch\u00ednh v\u1ec1 k\u1ebft qu\u1ea3 th\u1ef1c hi\u1ec7n cho vay \u0111\u1ed1i v\u1edbi ca\u0301c ch\u01b0\u01a1ng tri\u0300nh ti\u0301n du\u0323ng chi\u0301nh sa\u0301ch, trong \u0111o\u0301 co\u0301 ch\u01b0\u01a1ng tri\u0300nh cho vay \u0111\u00f4\u0301i v\u01a1\u0301i h\u00f4\u0323 thoa\u0301t c\u00e2\u0323n nghe\u0300o.<\/em>\u201d<\/li>\n<\/ul>\n

                  \u0110\u1ec1 ngh\u1ecb x\u00e1c \u0111\u1ecbnh r\u00f5 ng\u00e0y 15 h\u1eb1ng th\u00e1ng b\u00e1o c\u00e1o k\u1ebft qu\u1ea3 t\u00ednh \u0111\u1ec1 ng\u00e0y 15 hay b\u00e1o c\u00e1o v\u00e0o ng\u00e0y 15. N\u1ebfu t\u00ednh \u0111\u1ebfn ng\u00e0y 15 th\u00ec th\u1eddi h\u1ea1n b\u00e1o c\u00e1o l\u00e0 th\u1ebf n\u00e0o. N\u1ebfu ng\u00e0y 15 b\u00e1o c\u00e1o, th\u00ec b\u00e1o c\u00e1o theo k\u1ef3 h\u1ea1n n\u00e0o.<\/p>\n

                  —————————–<\/em><\/p>\n

                  Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/p>\n

                  \u0110C:\u00a0<\/em>C\u00f4ng ty Lu\u1eadt\u00a0<\/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>HN<\/em><\/p>\n

                  FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n

                  E-mail: duc.tt\u00a0@anvilaw.com<\/em><\/p>\n

                  Web: www.anvilaw.com<\/em><\/p>\n

                  \u0110T: 090.345.9070<\/em>","protected":false},"excerpt":{"rendered":"

                  (ANVI) – B\u1ed9 T\u01b0 ph\u00e1p\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 14-11-2014\u00a0 \u00a0 Ph\u00e1t bi\u1ec3u t\u1ea1i cu\u1ed9c h\u1ecdp H\u1ed9i \u0111\u1ed3ng Th\u1ea9m \u0111\u1ecbnh D\u1ef1 th\u1ea3o Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 V\u1ec1 vi\u1ec7c cho vay \u0111\u1ed1i v\u1edbi h\u1ed9 m\u1edbi tho\u00e1t ngh\u00e8o t\u1ea1i Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i. V\u1ec1 Ph\u1ea1m vi v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng (\u0110i\u1ec1u 1): C\u1ea3 […]<\/p>\n","protected":false},"author":7,"featured_media":6209,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6224","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n232. 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