{"id":6296,"date":"2015-09-07T23:30:42","date_gmt":"2015-09-07T16:30:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6296"},"modified":"2025-09-07T17:42:07","modified_gmt":"2025-09-07T10:42:07","slug":"248-tin-dung-den-luat-thieu-minh-bach","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/248-tin-dung-den-luat-thieu-minh-bach\/","title":{"rendered":"248. “T\u00edn d\u1ee5ng \u0111en” & Lu\u1eadt thi\u1ebfu minh b\u1ea1ch."},"content":{"rendered":"(ANVI) – H\u1ed9i th\u1ea3o RED \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\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 07-9-2015\u00a0\u00a0\u00a0\u00a0 <\/em><\/strong><\/p>\n

Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/strong><\/span><\/h4>\n

Do Trung t\u00e2m nghi\u00ean c\u1ee9u truy\u1ec1n th\u00f4ng ph\u00e1t tri\u1ec3n (RED) t\u1ed5 ch\u1ee9c.<\/p>\n

C\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 c\u00e1c giao d\u1ecbch vay ti\u1ec1n bi\u1ebfn th\u00e0nh \u201ct\u00edn d\u1ee5ng \u0111en\u201d, nh\u01b0ng y\u1ebfu t\u1ed1 ch\u00ednh y\u1ebfu nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t ng\u1ea5t ng\u01b0\u1edfng, t\u01b0\u1edfng ch\u1eebng nh\u01b0 \u201cc\u1eaft c\u1ed5\u201d. C\u00f3 nhi\u1ec1u nguy\u00ean nh\u00e2n \u0111\u1ea9y ng\u01b0\u1eddi ta tr\u1edf th\u00e0nh th\u1ee7 ph\u1ea1m v\u00e0 n\u1ea1n nh\u00e2n c\u1ee7a b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d, nh\u01b0ng kh\u00f4ng th\u1ec3 thi\u1ebfu nguy\u00ean nh\u00e2n do ph\u00e1p lu\u1eadt thi\u1ebfu minh b\u1ea1ch, r\u00f5 r\u00e0ng, h\u1ee3p l\u00fd.<\/em><\/p>\n

<\/a><\/a><\/a><\/a>\u00a01. Nh\u1eadn di\u1ec7n \u201ct\u00edn d\u1ee5ng \u0111en\u201d:<\/h5>\n

1.1 \u0110\u00e3 th\u1ea5y nghe nhi\u1ec1u, n\u00f3i nhi\u1ec1u, vi\u1ebft nhi\u1ec1u v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, nh\u01b0ng v\u1ec1 ph\u00e1p l\u00fd th\u00ec kh\u00f4ng d\u1ec5 g\u00ec kh\u1eb3ng \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, v\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh hay gi\u1ea3i th\u00edch c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

1.2 N\u00f3i \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 nh\u1eafc \u0111\u1ebfn m\u1ed9t ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p, c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u201cx\u00e3 h\u1ed9i \u0111en\u201d, \u201cb\u0103ng \u0111\u0129a \u0111en\u201d,\u2026 T\u1ee9c l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay nh\u01b0ng v\u1eabn ti\u1ebfn h\u00e0nh cho vay. Tuy nhi\u00ean, n\u1ebfu ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c cho vay kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p hay cho vay kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p, th\u00ec l\u1ea1i kh\u00f3 c\u00f3 th\u1ec3 g\u1ecdi \u0111\u00f3 l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

1.3. N\u00f3i \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d c\u0169ng lu\u00f4n nh\u1eafc \u0111\u1ebfn l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p. Nh\u01b0ng n\u1ebfu c\u1ee9 l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p, m\u00e0 \u0111\u1ec1u b\u1ecb coi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, th\u00ec ch\u1eb3ng ho\u00e1 ra, m\u1ecdi ho\u1ea1t \u0111\u1ed9ng cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t 13,5% theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u1ec1u l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, th\u1eadm ch\u00ed kh\u00f4ng lo\u1ea1i tr\u1eeb c\u1ea3 vi\u1ec7c cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c?<\/p>\n

1.4. D\u01b0\u1eddng nh\u01b0 \u0111\u1ec3 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d th\u00ec ph\u1ea3i l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng cho vay c\u00f3 nhi\u1ec1u h\u01a1n m\u1ed9t y\u1ebfu t\u1ed1 b\u1ea5t h\u1ee3p ph\u00e1p trong s\u1ed1 c\u00e1c y\u1ebfu t\u1ed1 sau: Ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, m\u1ee5c \u0111\u00edch vay v\u1ed1n b\u1ea5t h\u1ee3p ph\u00e1p, l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p ho\u1eb7c c\u00f3 nh\u1eefng h\u00e0nh vi b\u1ea5t h\u1ee3p ph\u00e1p kh\u00e1c nh\u01b0 \u0111e do\u1ea1, c\u01b0\u1ee1ng b\u1ee9c, l\u1eeba d\u1ed1i trong giao d\u1ecbch cho vay,… Hi\u1ec7n t\u01b0\u1ee3ng ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a hai y\u1ebfu t\u1ed1 cho vay b\u1ea5t h\u1ee3p ph\u00e1p \u0111i \u0111\u00f4i v\u1edbi \u00e1p \u0111\u1eb7t m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t cao tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

1.5 D\u01b0\u1edbi \u0111\u00e2y xin ph\u00e2n t\u00edch v\u1ec1 s\u1ef1 h\u1ee3p ph\u00e1p v\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p c\u1ee7a 2 y\u1ebfu t\u1ed1 \u201cho\u1ea1t \u0111\u1ed9ng cho vay\u201d v\u00e0 \u201cl\u00e3i su\u1ea5t cho vay\u201d trong c\u00e1c quan h\u1ec7 ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1, ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng, ph\u00e1p lu\u1eadt h\u00e0nh ch\u00ednh v\u00e0 ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1.<\/p>\n

2. Cho vay trong ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1:<\/h5>\n
2.1. <\/a><\/a>V\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay:<\/h6>\n

Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005[1]<\/a>, Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2014[2]<\/a>,\u2026 giao d\u1ecbch vay v\u00e0 cho vay gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n v\u1edbi nhau l\u00e0 h\u1ee3p ph\u00e1p v\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd kinh doanh. Th\u1eadm ch\u00ed ti\u1ec1n l\u00e3i cho vay (kh\u00f4ng ch\u1ec9 \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng) c\u00f2n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 8, \u0110i\u1ec1u 5 v\u1ec1 \u201c\u0110\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ch\u1ecbu thu\u1ebf\u201d, Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng n\u0103m 2008, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2013.<\/p>\n

Tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t, c\u00f2n m\u1ecdi c\u00e1 nh\u00e2n hay ph\u00e1p nh\u00e2n \u0111\u1ec1u c\u00f3 quy\u1ec1n \u0111i vay ti\u1ec1n c\u1ee7a nhi\u1ec1u c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c. M\u1ed9t c\u00e1 nh\u00e2n hay m\u1ed9t ph\u00e1p nh\u00e2n c\u0169ng c\u00f3 quy\u1ec1n cho nhi\u1ec1u c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c vay ti\u1ec1n. V\u00ec v\u1eady, kh\u00f4ng d\u1ec5 kh\u1eb3ng \u0111\u1ecbnh tr\u01b0\u1eddng h\u1ee3p n\u00e0o l\u00e0 cho vay h\u1ee3p ph\u00e1p v\u00e0 khi n\u00e0o l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, l\u00e0 c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

2.2. V\u1ec1 l\u00e3i su\u1ea5t cho vay:<\/h6>\n

Kho\u1ea3n 1, \u0110i\u1ec1u 476 v\u1ec1 \u201c<\/a><\/a><\/a>L\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh \u201c1. L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng<\/em>.\u201d L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u00e1p d\u1ee5ng t\u1eeb ng\u00e0y 05-11-2010 \u0111\u1ebfn nay v\u1eabn l\u00e0 9%\/n\u0103m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2619\/Q\u0110-NHNN \u00a0ng\u00e0y 05-11-2010 v\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2868\/Q\u0110-NHNN\u00a0ng\u00e0y 29-11-2010 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t nam \u201cV\u1ec1 M\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam\u201d.<\/p>\n

Nh\u01b0 v\u1eady, giao d\u1ecbch cho vay n\u00e0o v\u01b0\u1ee3t m\u1ee9c 13,5%\/n\u0103m l\u00e0 giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p v\u1ec1 l\u00e3i su\u1ea5t, l\u00e0 b\u1eaft \u0111\u1ea7u c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d. [3]<\/a> Tr\u00ean th\u1ef1c t\u1ebf th\u00ec \u0111\u1ea1i \u0111a s\u1ed1 giao d\u1ecbch cho vay c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n, bao g\u1ed3m c\u1ea3 giao d\u1ecbch cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c. Hi\u1ebfm c\u00f3 ai l\u1ea1i ngh\u0129 r\u1eb1ng, l\u00e3i su\u1ea5t cho vay d\u00e2n s\u1ef1 hi\u1ec7n nay tr\u00ean 13,5%\/n\u0103m l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, m\u1eb7c d\u00f9 \u0111\u00f3 l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n

3. Cho vay trong ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng:<\/h5>\n
3.1. V\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay:<\/h6>\n

Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 12 v\u00e0 14, \u0110i\u1ec1u 4 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2015, th\u00ec cho vay l\u00e0 m\u1ed9t trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng. V\u00e0 theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, <\/a><\/a><\/a><\/a>\u0110i\u1ec1u 8 v\u1ec1 \u201cQuy\u1ec1n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d c\u1ee7a Lu\u1eadt n\u00e0y, th\u00ec nghi\u00eam c\u1ea5m c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng.<\/p>\n

N\u1ebfu c\u1ee9 m\u00e1y m\u00f3c b\u00e1m theo \u0111\u00fang nh\u1eefng c\u00e2u ch\u1eef c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec c\u00f3 th\u1ec3 hi\u1ec3u l\u00e0, vi\u1ec7c cho vay d\u00e2n s\u1ef1 c\u1ee7a c\u00e1c c\u01a1 s\u1edf cho vay c\u1ea7m \u0111\u1ed3 n\u00f3i ri\u00eang, c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c n\u00f3i chung, \u0111\u1ec1u l\u00e0 m\u1ed9t trong nh\u1eefng ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 \u0111\u1ec1u ph\u1ea1m ph\u00e1p, b\u1ecb nghi\u00eam c\u1ea5m, v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c \u201cNg\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p Gi\u1ea5y ph\u00e9p\u201d. Tuy nhi\u00ean, ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3 theo \u0111\u00fang gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay h\u1ee3p ph\u00e1p. C\u0169ng kh\u00f4ng m\u1ea5y ai quan t\u00e2m r\u1eb1ng, vi\u1ec7c cho nhau vay m\u01b0\u1ee3n gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n trong \u0111\u1eddi s\u1ed1ng kinh t\u1ebf, x\u00e3 h\u1ed9i v\u1eabn th\u01b0\u1eddng xuy\u00ean di\u1ec5n ra l\u00e0 tr\u00e1i hay kh\u00f4ng tr\u00e1i v\u1edbi Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

3.2. V\u1ec1 l\u00e3i su\u1ea5t cho vay:<\/h6>\n

Kho\u1ea3n 1 v\u00e0 2, \u0110i\u1ec1u, <\/a><\/a>91 v\u1ec1 \u201cL\u00e3i su\u1ea5t, ph\u00ed trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy \u0111\u1ecbnh:<\/p>\n

\u201c1. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy\u1ec1n \u1ea5n \u0111\u1ecbnh v\u00e0 ph\u1ea3i ni\u00eam y\u1ebft c\u00f4ng khai m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1ed1n, m\u1ee9c ph\u00ed cung \u1ee9ng d\u1ecbch v\u1ee5 trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/em><\/p>\n

2. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.\u201d<\/em><\/p>\n

Theo quy \u0111\u1ecbnh tr\u00ean, \u201ct\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n tho\u1ea3 thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t\u201d nh\u01b0ng v\u1eabn ph\u1ea3i \u201ctheo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d, t\u1ee9c c\u0169ng ph\u1ea3i theo quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 476 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u00f3i tr\u00ean. Tr\u00ean th\u1ef1c t\u1ebf, t\u1eeb n\u0103m 2011 \u0111\u1ebfn nay, ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111ang ho\u00e0n to\u00e0n \u0111\u1ee9ng ngo\u00e0i quy \u0111\u1ecbnh n\u00e0y, v\u1edbi r\u1ea5t nhi\u1ec1u kho\u1ea3n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 v\u01b0\u1ee3t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t 13,5%\/n\u0103m, th\u1eadm ch\u00ed l\u00ean t\u1edbi 50 \u2013 70%\/n\u0103m. N\u1ebfu theo quan \u0111i\u1ec3m tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169ng ph\u1ea3i \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u1ea3 ng\u00e2n h\u00e0ng, th\u00ec vi\u1ec7c cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d. D\u1ef1 th\u1ea3o ng\u00e0y 07-7-2015, Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch \u201cH\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i su\u1ea5t, ph\u1ea1t vi ph\u1ea1m trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng\u201d c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao, Vi\u1ec7n Ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam th\u1ec3 hi\u1ec7n n\u1ed9i dung cu\u1ed1i n\u0103m 2010 cho \u0111\u1ebfn nay do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn, nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c kh\u00f4ng qu\u00e1 13,5%\/n\u0103m.[4]<\/a><\/p>\n

Tuy nhi\u00ean, ch\u01b0a th\u1ea5y quan \u0111i\u1ec3m n\u00e0o cho r\u1eb1ng, vi\u1ec7c cho vay c\u1ee7a ng\u00e2n h\u00e0ng, d\u00f9 v\u1edbi l\u00e3i su\u1ea5t cao bao nhi\u00ean \u0111i ch\u0103ng n\u1eefa l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

4. Cho vay trong ph\u00e1p lu\u1eadt h\u00e0nh ch\u00ednh:<\/h5>\n
4.1. V\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay:<\/h6>\n

Hi\u1ec7n nay, c\u00f3 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 h\u00e0nh vi cho vay tr\u00e1i ph\u00e1p lu\u1eadt trong m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c v\u1ec1 ch\u1ee9ng kho\u00e1n, ng\u00e2n h\u00e0ng v\u00e0 t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i nh\u01b0 sau:<\/p>\n

– Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 108\/2013\/N\u0110-CP ng\u00e0y 23-9-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh X\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ch\u1ee9ng kho\u00e1n v\u00e0 th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n\u201d c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 h\u00e0nh vi cho vay c\u1ee7a c\u00e1c c\u00f4ng ty kinh doanh ch\u1ee9ng kho\u00e1n;[5]<\/a><\/p>\n

– Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 167\/2013\/N\u0110-CP ng\u00e0y 12-11-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh X\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c an ninh, tr\u1eadt t\u1ef1, an to\u00e0n x\u00e3 h\u1ed9i; ph\u00f2ng ch\u1ed1ng t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i; ph\u00f2ng ch\u1ed1ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y; ph\u00f2ng ch\u1ed1ng b\u1ea1o l\u1ef1c gia \u0111\u00ecnh\u201d c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t \u0111\u1ed1i v\u1edbi h\u00e0nh vi \u201ccho vay t\u1ea1i s\u00f2ng b\u1ea1c, n\u01a1i \u0111\u00e1nh b\u1ea1c kh\u00e1c\u201d; [6]<\/a><\/p>\n

– Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2014\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7 ng\u00e0y 17-10-2014 \u201cQuy \u0111\u1ecbnh X\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 v\u00e0 ng\u00e2n h\u00e0ng.\u201d ch\u1ec9 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Ngo\u00e0i 3 tr\u01b0\u1eddng h\u1ee3p tr\u00ean, ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00f4ng vi ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh. Nh\u01b0 v\u1eady, ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n, doanh nghi\u1ec7p (kh\u00f4ng ph\u1ea3i l\u00e0 \u201cho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d) th\u00ec v\u1eabn h\u1ee3p ph\u00e1p m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p c\u0169ng nh\u01b0 \u0111\u0103ng k\u00fd kinh doanh ho\u1ea1t \u0111\u1ed9ng\u00a0 cho vay.<\/p>\n

4.2. V\u1ec1 l\u00e3i su\u1ea5t cho vay:<\/h6>\n

Hi\u1ec7n nay, c\u00f3 2 tr\u01b0\u1eddng h\u1ee3p b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u1ec1 l\u00e3i su\u1ea5t cho vay nh\u01b0 sau:<\/p>\n

– Ph\u1ea1t ti\u1ec1n t\u1eeb 5 \u2013 15 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi h\u00e0nh vi \u201cCho vay ti\u1ec1n c\u00f3 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, nh\u01b0ng l\u00e3i su\u1ea5t cho vay v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m cho vay.\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m d, Kho\u1ea3n 3, \u0110i\u1ec1u 11 v\u1ec1 \u201cVi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd ng\u00e0nh, ngh\u1ec1 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 167\/2013\/N\u0110-CP ng\u00e0y 12-11-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh X\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c an ninh, tr\u1eadt t\u1ef1, an to\u00e0n x\u00e3 h\u1ed9i; ph\u00f2ng ch\u1ed1ng t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i; ph\u00f2ng ch\u1ed1ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y; ph\u00f2ng ch\u1ed1ng b\u1ea1o l\u1ef1c gia \u0111\u00ecnh\u201d;<\/p>\n

– Ph\u1ea1t ti\u1ec1n t\u1eeb 20 \u2013 30 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi h\u00e0nh vi c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u201c\u00c1p d\u1ee5ng l\u00e3i su\u1ea5t c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m d, kho\u1ea3n 3, \u0110i\u1ec1u 15 v\u1ec1 \u201cVi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 c\u1ea5p t\u00edn d\u1ee5ng\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2014\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7 ng\u00e0y 17-10-2014 \u201cQuy \u0111\u1ecbnh X\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 v\u00e0 ng\u00e2n h\u00e0ng.\u201d<\/p>\n

Nh\u01b0 v\u1eady, c\u00e1c h\u00e0nh vi cho vay kh\u00e1c, t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay, d\u00f9 c\u00f3 vi ph\u1ea1m ph\u00e1p lu\u1eadt vi ph\u1ea1m v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t 13,5% bao nhi\u00eau l\u1ea7n, n\u1ebfu ch\u01b0a \u0111\u1ebfn m\u1ee9c x\u1eed l\u00fd h\u00ecnh s\u1ef1, th\u00ec c\u0169ng ch\u01b0a b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh.<\/p>\n

5. Cho vay trong ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1:<\/h5>\n
5.1. V\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay:<\/h6>\n

B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 vi\u1ec7c cho vay tr\u00e1i ph\u00e9p, m\u00e0 ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 159 v\u1ec1 \u201cT\u1ed9i kinh doanh tr\u00e1i ph\u00e9p\u201d. Ho\u1ea1t \u0111\u1ed9ng cho vay tr\u00e1i ph\u00e9p c\u0169ng c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t theo t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p. Khi \u0111\u00f3, h\u00e0nh vi cho vay tr\u00e1i ph\u00e9p c\u00f3 th\u1ec3 ph\u1ea1m t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p n\u1ebfu nh\u01b0 \u201ckh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd kinh doanh\u201d ho\u1eb7c \u201ckh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd kinh doanh cho vay\u201d hay \u201ckh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p m\u00e0 \u0111\u00e3 \u201cb\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh v\u1ec1 h\u00e0nh vi\u201d cho vay tr\u00e1i ph\u00e9p ho\u1eb7c \u0111\u00e3 thu l\u1eddi t\u1eeb 100 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean,\u2026<\/p>\n

Nh\u01b0ng nh\u01b0 \u0111\u00e3 ph\u00e2n t\u00edch \u1edf tr\u00ean, vi\u1ec7c cho vay c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p v\u00e0 h\u1ee3p ph\u00e1p m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p ho\u1eb7c \u0111\u0103ng k\u00fd kinh doanh. V\u00ec v\u1eady, nh\u00ecn chung l\u00e0 kh\u00f4ng th\u1ec3 x\u1eed ph\u1ea1t \u0111\u01b0\u1ee3c h\u00e0nh vi cho vay th\u00f4ng th\u01b0\u1eddng v\u1ec1 t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p.<\/p>\n

5.2. V\u1ec1 l\u00e3i su\u1ea5t cho vay:<\/h6>\n

B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2009 quy \u0111\u1ecbnh v\u1ec1 t\u1ed9i ph\u1ea1m \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay l\u00e0 do y\u1ebfu t\u1ed1 \u201cn\u1eb7ng l\u00e3i\u201d, c\u1ee5 th\u1ec3 nh\u01b0 sau:<\/p>\n

\u201c\u0110i\u1ec1u 163. T\u1ed9i cho vay l\u00e3i n\u1eb7ng<\/em><\/p>\n

1. Ng\u01b0\u1eddi n\u00e0o cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh t\u1eeb m\u01b0\u1eddi l\u1ea7n tr\u1edf l\u00ean c\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t, th\u00ec b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb m\u1ed9t l\u1ea7n \u0111\u1ebfn m\u01b0\u1eddi l\u1ea7n s\u1ed1 ti\u1ec1n l\u00e3i ho\u1eb7c ph\u1ea1t c\u1ea3i t\u1ea1o kh\u00f4ng giam gi\u1eef \u0111\u1ebfn m\u1ed9t n\u0103m.<\/em><\/p>\n

2. Ph\u1ea1m t\u1ed9i thu l\u1ee3i b\u1ea5t ch\u00ednh l\u1edbn th\u00ec b\u1ecb ph\u1ea1t t\u00f9 t\u1eeb s\u00e1u th\u00e1ng \u0111\u1ebfn ba n\u0103m.<\/em><\/p>\n

3. Ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i c\u00f2n c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb m\u1ed9t l\u1ea7n \u0111\u1ebfn n\u0103m l\u1ea7n s\u1ed1 l\u1ee3i b\u1ea5t ch\u00ednh, c\u1ea5m \u0111\u1ea3m nhi\u1ec7m ch\u1ee9c v\u1ee5, c\u1ea5m h\u00e0nh ngh\u1ec1 ho\u1eb7c l\u00e0m c\u00f4ng vi\u1ec7c nh\u1ea5t \u0111\u1ecbnh t\u1eeb m\u1ed9t n\u0103m \u0111\u1ebfn n\u0103m n\u0103m.\u201d<\/em><\/p>\n

Theo quy \u0111\u1ecbnh tr\u00ean, n\u1ebfu ng\u01b0\u1eddi n\u00e0o kh\u00f4ng thu\u1ed9c v\u00e0o tr\u01b0\u1eddng h\u1ee3p \u201cc\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean b\u00f3c l\u1ed9t\u201d, th\u00ec d\u00f9 c\u00f3 cho vay l\u00e3i su\u1ea5t \u0111\u1ebfn v\u00e0i ngh\u00ecn ph\u1ea7n tr\u0103m, c\u0169ng kh\u00f4ng c\u00f3 t\u1ed9i v\u00e0 c\u0169ng ch\u1eb3ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh.<\/p>\n

V\u1edbi h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt nh\u01b0 hi\u1ec7n nay, ch\u1ec9 c\u00f3 tr\u01b0\u1eddng h\u1ee3p ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng, th\u00ec m\u1edbi \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. C\u00f2n sai tr\u00e1i ph\u00e1p lu\u1eadt trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, th\u00ec th\u1eadt kh\u00f3 c\u00f3 th\u1ec3 g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u00e0 c\u0169ng kh\u00f4ng h\u1ec1 b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh.<\/p>\n

Cu\u1ed1i c\u00f9ng, l\u00e3i su\u1ea5t cho vay l\u00e0 m\u1ed9t lo\u1ea1i gi\u00e1 c\u1ea3 h\u00e0ng ho\u00e1, d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c t\u1ef1 do kinh doanh v\u00e0 do th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh. L\u00e3i su\u1ea5t cao hay th\u1ea5p l\u00e0 do hai b\u00ean tho\u1ea3 thu\u1eadn t\u1ef1 nguy\u1ec7n, thu\u1eadn mua, v\u1eeba b\u00e1n. V\u00ec v\u1eady, kh\u00f4ng c\u00f2n l\u00fd do \u0111\u1ec3 duy tr\u00ec t\u1ed9i ph\u1ea1m n\u00e0y trong B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1. Ch\u1ec9 khi n\u00e0o cho vay tr\u00e1i lu\u1eadt c\u00f9ng v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 l\u1eeba \u0111\u1ea3o, gian d\u1ed1i, c\u01b0\u1ee1ng b\u1ee9c, \u00e9p bu\u1ed9c, b\u00f3c l\u1ed9t,… th\u00ec m\u1edbi c\u1ea7n thi\u1ebft x\u1eed t\u1ed9i. Khi \u0111\u00f3, th\u00ec c\u00f3 th\u1ec3 x\u1eed ph\u1ea1t h\u00ecnh s\u1ef1 ngay c\u1ea3 tr\u01b0\u1eddng h\u1ee3p cho vay cao h\u01a1n m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t 13,5%, ch\u1ee9 kh\u00f4ng c\u1ea7n ph\u1ea3i cao h\u01a1n 10 l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t nh\u01b0 hi\u1ec7n nay (t\u1ee9c tr\u00ean 135%\/n\u0103m) hay cao h\u01a1n 5 l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t nh\u01b0 D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015.<\/p>\n

—————————–<\/em><\/p>\n

Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/h6>\n

\u0110C:\u00a0<\/em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em>ANVI, t\u1ea7ng 4, T\u00f2a nh\u00e0 Savina, s\u1ed1 1 \u0110inh L\u1ec5, ph\u1ed1 Tr\u00e0ng Ti\u1ec1n, qu\u1eadn Ho\u00e0n Ki\u1ebfm, <\/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><\/p>\n

————————-<\/p>\n

[1]<\/a> \u00a0 C\u00e1c \u0111i\u1ec1u t\u1eeb \u0110i\u1ec1u 471 \u0111\u1ebfn 479 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n

[2]<\/a> \u00a0 \u0110i\u1ec1u 56 v\u1ec1 \u201cH\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean\u201d, \u0110i\u1ec1u 75 v\u1ec1 \u201cQuy\u1ec1n c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu c\u00f4ng ty\u201d, \u0110i\u1ec1u 76 v\u1ec1 \u201cNgh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu c\u00f4ng ty\u201d, \u0110i\u1ec1u 149 v\u1ec1 \u201cH\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb\u201d, \u0110i\u1ec1u 177 v\u00e8 \u201cH\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean\u201d, Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2014.<\/p>\n

[3]<\/a> \u00a0 L\u00f9i v\u1ec1 t\u1eeb th\u1eddi \u0111i\u1ec3m t\u1eeb khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01-7-2006 tr\u1edf \u0111i, m\u1ee9c tr\u1ea9n l\u00e3i su\u1ea5t n\u00e0y dao \u0111\u1ed9ng trong kho\u1ea3ng t\u1eeb 10,5% cho \u0111\u1ebfn 21%\/n\u0103m.<\/p>\n

[4]<\/a> \u00a0 Xem D\u1ef1 th\u1ea3o \u0111\u0103ng tr\u00ean trang web c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao t\u1ea1i \u0111\u00e2y:<\/p>\n

http:\/\/toaan.gov.vn\/portal\/page\/portal\/tandtc\/gopyvb?p_itemid=109482472<\/p>\n

[5]<\/a> \u00a0 Ph\u1ea1t ti\u1ec1n t\u1eeb 150 \u2013 200 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi c\u00f4ng ty ch\u1ee9ng kho\u00e1n vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 \u201ch\u1ea1n ch\u1ebf vay n\u1ee3 ho\u1eb7c v\u1ec1 h\u1ea1n ch\u1ebf cho vay\u201d, \u201cS\u1eed d\u1ee5ng v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a c\u00f4ng ty \u0111\u1ec3 cho vay tr\u00e1i quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m c v\u00e0 d, kho\u1ea3n 4, \u0110i\u1ec1u 21 v\u1ec1 \u201cVi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty ch\u1ee9ng kho\u00e1n\u201d<\/p>\n

Ph\u1ea1t ti\u1ec1n t\u1eeb 150 \u2013 200 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n vi\u1ec7c cho vay ho\u1eb7c giao v\u1ed1n c\u1ee7a c\u00f4ng ty cho t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n tr\u00e1i quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m c, kho\u1ea3n 4, \u0110i\u1ec1u 22 v\u1ec1 \u201cVi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9, chi nh\u00e1nh c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam\u201d<\/p>\n

[6]<\/a> \u00a0 Ph\u1ea1t ti\u1ec1n t\u1eeb 2 \u2013 5 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi h\u00e0nh vi \u201cNh\u1eadn g\u1eedi ti\u1ec1n, c\u1ea7m \u0111\u1ed3, cho vay t\u1ea1i s\u00f2ng b\u1ea1c, n\u01a1i \u0111\u00e1nh b\u1ea1c kh\u00e1c\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m a, kho\u1ea3n 3, \u0110i\u1ec1u 26 v\u1ec1 \u201cH\u00e0nh vi \u0111\u00e1nh b\u1ea1c tr\u00e1i ph\u00e9p\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 167\/2013\/N\u0110-CP ng\u00e0y 12-11-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh X\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c an ninh, tr\u1eadt t\u1ef1, an to\u00e0n x\u00e3 h\u1ed9i; ph\u00f2ng ch\u1ed1ng t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i; ph\u00f2ng ch\u1ed1ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y; ph\u00f2ng ch\u1ed1ng b\u1ea1o l\u1ef1c gia \u0111\u00ecnh\u201d<\/p>\n

[7]<\/a> \u00a0 Xem th\u00eam b\u00e0i \u201cBi k\u1ecbch t\u00edn d\u1ee5ng \u0111en\u201d \u0111\u00e3 \u0111\u0103ng tr\u00ean \u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n ng\u00e0y 20-01-2012.","protected":false},"excerpt":{"rendered":"

(ANVI) – H\u1ed9i th\u1ea3o RED \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\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 07-9-2015\u00a0\u00a0\u00a0\u00a0 Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Do Trung t\u00e2m nghi\u00ean c\u1ee9u truy\u1ec1n th\u00f4ng ph\u00e1t tri\u1ec3n (RED) t\u1ed5 ch\u1ee9c. C\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 c\u00e1c giao d\u1ecbch vay ti\u1ec1n bi\u1ebfn th\u00e0nh \u201ct\u00edn d\u1ee5ng \u0111en\u201d, nh\u01b0ng y\u1ebfu t\u1ed1 ch\u00ednh y\u1ebfu […]<\/p>\n","protected":false},"author":7,"featured_media":6297,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6296","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n248. "T\u00edn d\u1ee5ng \u0111en" & Lu\u1eadt thi\u1ebfu minh b\u1ea1ch. - 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\/?p=6296\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]248. "T\u00edn d\u1ee5ng \u0111en" & Lu\u1eadt thi\u1ebfu minh b\u1ea1ch. 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