{"id":676,"date":"2021-11-01T09:25:59","date_gmt":"2021-11-01T02:25:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=676"},"modified":"2022-01-21T09:00:09","modified_gmt":"2022-01-21T02:00:09","slug":"tieng-viet-binh-luan-ve-tin-dung-den-tu-goc-nhin-cua-luat-su","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/binh-luan-ve-tin-dung-den-tu-goc-nhin-cua-luat-su\/","title":{"rendered":"371. B\u00ecnh lu\u1eadn v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d t\u1eeb g\u00f3c nh\u00ecn c\u1ee7a Lu\u1eadt s\u01b0"},"content":{"rendered":"
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(ANVI<\/span><\/strong>) – Tham lu\u1eadn 5.000 ch\u1eef t\u1ea1i H\u1ed9i th\u1ea3o do B\u00e1o Lao \u0111\u1ed9ng & NHNN t\u1ed5 ch\u1ee9c ng\u00e0y 12-11-2021:<\/div>\n<\/div>\n
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B\u00ecnh lu\u1eadn v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d t\u1eeb g\u00f3c nh\u00ecn c\u1ee7a Lu\u1eadt s\u01b0.<\/p>\n<\/div>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/div>\n
Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/strong>,<\/div>\n
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Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/p>\n<\/div>\n<\/div>\n

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C\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh v\u00e0 x\u1eed l\u00fd t\u00ecnh tr\u1ea1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 c\u00e1c y\u1ebfu t\u1ed1 b\u1ea5t h\u1ee3p ph\u00e1p, nh\u01b0ng trong \u0111\u00f3 c\u00f3 3 y\u1ebfu t\u1ed1 \u0111i\u1ec3n h\u00ecnh l\u00e0: \u201cCho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d, \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d.<\/div>\n
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1. Nh\u1eadn di\u1ec7n \u201ct\u00edn d\u1ee5ng \u0111en\u201d:<\/strong><\/div>\n
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1.1. 3 y\u1ebfu t\u1ed1 nh\u1eadn di\u1ec7n \u201ct\u00edn d\u1ee5ng \u0111en\u201d:<\/div>\n
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Ph\u00e1p lu\u1eadt ch\u01b0a c\u00f3 \u0111\u1ecbnh ngh\u0129a ch\u00ednh th\u1ee9c th\u1ebf n\u00e0o l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, nh\u01b0ng hi\u1ec3u theo ng\u1eef ngh\u0129a th\u00f4ng th\u01b0\u1eddng th\u00ec c\u1ee5m t\u1eeb \u0111\u00f3 nh\u1eb1m m\u00f4 t\u1ea3 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, m\u00e0 \u0111i\u1ec3n h\u00ecnh l\u00e0 vi\u1ec7c cho vay l\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng v\u1edbi m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 b\u1ea5t h\u1ee3p ph\u00e1p.<\/div>\n<\/div>\n
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Ho\u1ea1t \u0111\u1ed9ng cho vay bao g\u1ed3m nhi\u1ec1u n\u1ed9i dung kh\u00e1c nhau, trong \u0111\u00f3 c\u00f3 \u0111\u1ed3ng ti\u1ec1n cho vay, m\u1ee5c \u0111\u00edch vay, ph\u01b0\u01a1ng th\u1ee9c cho vay, th\u1eddi h\u1ea1n cho vay, l\u00e3i su\u1ea5t cho vay, b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay,\u2026 Tuy nhi\u00ean, kh\u00f4ng h\u1eb3n l\u00e0 c\u1ee9 cho vay tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt th\u00ec \u0111\u1ec1u b\u1ecb coi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. N\u1ebfu c\u00e1c c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n m\u00e0 cho nhau vay ngo\u1ea1i t\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p c\u1ee7a ph\u00e1p lu\u1eadt l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 22 v\u1ec1 \u201cQuy \u0111\u1ecbnh h\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng ngo\u1ea1i h\u1ed1i\u201d, Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i n\u0103m 2005 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2013 . Hay cho nhau vay v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n 20%\/n\u0103m l\u00e0 tr\u00e1i v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf, vi\u1ec7c cho vay ngo\u1ea1i t\u1ec7 hay v\u01b0\u1ee3t l\u00e3i su\u1ea5t tr\u00e1i ph\u00e1p lu\u1eadt \u0111\u00f3 ch\u01b0a \u0111\u01b0\u1ee3c coi \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/div>\n
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Ch\u1ec9 th\u1ecb s\u1ed1 12\/CT-TTg ng\u00e0y 25-4-2019 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cT\u0103ng c\u01b0\u1eddng ph\u00f2ng ng\u1eeba, \u0111\u1ea5u tranh v\u1edbi t\u1ed9i ph\u1ea1m v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d\u201d \u0111\u00e3 nh\u1eadn \u0111\u1ecbnh v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d nh\u01b0 sau:<\/div>\n<\/div>\n
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\u201cTh\u1eddi gian qua, t\u00ecnh h\u00ecnh t\u1ed9i ph\u1ea1m v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d x\u1ea3y ra t\u1ea1i nhi\u1ec1u \u0111\u1ecba ph\u01b0\u01a1ng, g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn an ninh, tr\u1eadt t\u1ef1 v\u1edbi th\u1ee7 \u0111o\u1ea1n r\u1ea5t tinh vi, ph\u1ee9c t\u1ea1p. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng l\u1ee3i d\u1ee5ng m\u1ea1ng vi\u1ec5n th\u00f4ng, Internet, n\u00fap b\u00f3ng c\u00e1c doanh nghi\u1ec7p c\u00f3 ch\u1ee9c n\u0103ng cho vay t\u00e0i ch\u00ednh, d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3, kinh doanh c\u1ea7m \u0111\u1ed3, t\u1ea1o v\u1ecf b\u1ecdc, \u0111\u1ed1i ph\u00f3 v\u1edbi c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ec3 t\u1ed5 ch\u1ee9c c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay kh\u00f4ng th\u1ebf ch\u1ea5p, huy \u0111\u1ed9ng v\u1ed1n, kinh doanh t\u00e0i ch\u00ednh, g\u00f3p v\u1ed1n, g\u00f3p t\u00e0i s\u1ea3n kinh doanh v\u1edbi l\u00e3i su\u1ea5t r\u1ea5t cao (t\u1eeb 100% \u0111\u1ebfn 300%, th\u1eadm ch\u00ed l\u00ean \u0111\u1ebfn 700%\/n\u0103m \u0111\u1ed1i v\u1edbi kho\u1ea3n ti\u1ec1n \u1edf th\u1eddi \u0111i\u1ec3m vay) nh\u1eb1m thu l\u1ee3i b\u1ea5t ch\u00ednh\u201d.<\/div>\n
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\u201cTh\u1ef1c t\u1ebf cho th\u1ea5y, \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 h\u00ecnh th\u1ee9c cho vay, \u0111i vay ho\u1eb7c huy \u0111\u1ed9ng v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i su\u1ea5t ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh, \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi c\u00e1c c\u00e1 nh\u00e2n, nh\u00f3m ng\u01b0\u1eddi ho\u1eb7c t\u1ed5 ch\u1ee9c kinh doanh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, th\u01b0\u1eddng g\u1eafn v\u1edbi c\u00e1c h\u00e0nh vi \u0111\u00f2i n\u1ee3, chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n tr\u00e1i ph\u00e1p lu\u1eadt. Ch\u1ee7 n\u1ee3 th\u01b0\u1eddng thu\u00ea c\u00e1c b\u0103ng nh\u00f3m t\u1ed9i ph\u1ea1m, \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 ti\u1ec1n \u00e1n, ti\u1ec1n s\u1ef1 s\u1eed d\u1ee5ng v\u0169 kh\u00ed, hung kh\u00ed nguy hi\u1ec3m c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c t\u1ed9i ph\u1ea1m x\u00e2m h\u1ea1i \u0111\u1ebfn t\u00ednh m\u1ea1ng, s\u1ee9c kh\u1ecfe, nh\u00e2n ph\u1ea9m, danh d\u1ef1, t\u1ed5n h\u1ea1i v\u1ec1 tinh th\u1ea7n v\u00e0 chi\u1ebfm \u0111o\u1ea1t, h\u1ee7y ho\u1ea1i t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi \u0111i vay, g\u00e2y lo l\u1eafng, b\u1ee9c x\u00fac trong nh\u00e2n d\u00e2n\u201d.<\/div>\n<\/div>\n
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Theo t\u00f4i, n\u00f3i \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111\u1ed3ng ngh\u0129a v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng b\u1ea5t h\u1ee3p ph\u00e1p, bao g\u1ed3m 3 y\u1ebfu t\u1ed1 \u0111i\u1ec3n h\u00ecnh l\u00e0: \u201cCho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d (ng\u01b0\u1eddi cho vay kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay), \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d (l\u00e3i su\u1ea5t cho vay vi pham ph\u00e1p lu\u1eadt) v\u00e0 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d. Nh\u01b0ng \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d th\u00ec th\u01b0\u1eddng ph\u1ea3i ph\u1ea3i c\u00f3 \u00edt nh\u1ea5t 2 y\u1ebfu t\u1ed1, trong \u0111\u00f3 c\u00f3 y\u1ebfu t\u1ed1 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d. Ngo\u00e0i ra, \u201ct\u00edn d\u1ee5ng \u0111en\u201d c\u0169ng th\u01b0\u1eddng g\u1eafn li\u1ec1n v\u1edbi vi\u1ec7c l\u1eeba d\u1ed1i, \u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p trong qu\u00e1 tr\u00ecnh cho vay, t\u00ednh l\u00e3i v\u00e0 \u0111\u00f2i n\u1ee3.<\/div>\n
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1.2. V\u1ec1 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d:<\/div>\n
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C\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay th\u01b0\u1eddng xuy\u00ean, li\u00ean t\u1ee5c, v\u1edbi m\u1ee5c \u0111\u00edch kinh doanh, nh\u01b0ng kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p hay kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p kinh doanh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay.<\/div>\n<\/div>\n
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Vi\u1ec7c cho vay v\u1edbi m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n b\u1ea5t h\u1ee3p ph\u00e1p, nh\u01b0 cho vay \u0111\u1ec3 \u0111\u00e1nh b\u1ea1c, \u0111\u1ec3 bu\u00f4n l\u1eadu th\u00ec c\u0169ng \u0111\u01b0\u1ee3c coi l\u00e0 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d.<\/div>\n
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Cho vay c\u1ea7m \u0111\u1ed3 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1; c\u1ea7m c\u1ed1 b\u1eb1ng gi\u1ea5y t\u1edd ph\u00e1p l\u00fd kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 nh\u01b0 ch\u1ee9ng minh nh\u00e2n d\u00e2n, th\u1ebb c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n, b\u1eb1ng \u0111\u1ea1i h\u1ecdc, gi\u1ea5y ph\u00e9p l\u00e1i xe, s\u1ed5 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, th\u1ebb sinh vi\u00ean; hay b\u1ea3o \u0111\u1ea3m b\u1eb1ng vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n (h\u00e0ng ho\u00e1, \u00f4 t\u00f4, xe m\u00e1y, nh\u00e0 \u0111\u1ea5t v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c) c\u0169ng l\u00e0 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d, v\u00ec tr\u00e1i v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0111i\u1ec1u 3 v\u1ec1 \u201cNg\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1 v\u00e0 ph\u1ea1m vi qu\u1ea3n l\u00fd\u201d c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2016\/N\u0110-CP ng\u00e0y 01-7-2016 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1 \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n\u201d, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 31\/2021\/N\u0110-CP ng\u00e0y 26-3-2021.<\/div>\n
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Tuy nhi\u00ean, m\u1ed9t c\u00e1 nh\u00e2n hay m\u1ed9t c\u00f4ng ty n\u00e0o \u0111\u00f3 ho\u1ea1t \u0111\u1ed9ng cho vay, d\u00f9 kh\u00f4ng \u0111\u0103ng k\u00fd ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng cho vay \u0111\u1ed9ng th\u00ec c\u0169ng ch\u01b0a th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh \u0111\u00f3 l\u00e0 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d. K\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p th\u00ec c\u0169ng ch\u01b0a th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng \u0111\u00f3 l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/div>\n
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Ngo\u00e0i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p, c\u00e1c t\u1ed5 ch\u1ee9c d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 v\u00e0 m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c kh\u00e1c nh\u01b0 qu\u1ef9 \u0111\u1ea7u t\u01b0, ph\u00e1t tri\u1ec3n \u0111\u1ecba ph\u01b0\u01a1ng, \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay m\u1ed9t c\u00e1ch chuy\u00ean nghi\u1ec7p, h\u1ee3p ph\u00e1p, th\u00ec nh\u00ecn chung m\u1ecdi c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p \u0111i vay (huy \u0111\u1ed9ng) v\u00e0 cho vay, m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u1ec1 \u0111\u1ea7u t\u01b0, kinh doanh v\u00e0 c\u0169ng kh\u00f4ng vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 8 v\u1ec1 \u201cQuy\u1ec1n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017) . C\u00f3 \u00edt nh\u1ea5t 8 nh\u00f3m c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay h\u1ee3p ph\u00e1p m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 gi\u1ea5y ph\u00e9p c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/div>\n
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V\u00ec nhi\u1ec1u v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt nh\u01b0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2020, Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2020 v\u00e0 c\u00e1c Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng, Lu\u1eadt Thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p, Lu\u1eadt Thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n, ch\u1eb3ng nh\u1eefng kh\u00f4ng c\u1ea5m ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n, m\u00e0 c\u00f2n c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh tr\u1ef1c ti\u1ebfp c\u0169ng nh\u01b0 gi\u00e1n ti\u1ebfp th\u1ec3 hi\u1ec7n vi\u1ec7c \u0111\u01b0\u1ee3c ph\u00e9p cho vay, huy \u0111\u1ed9ng v\u1ed1n. 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 v\u00e0 2016.<\/div>\n
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Tr\u00ean th\u1ef1c t\u1ebf c\u0169ng \u0111ang c\u00f3 m\u1ed9t s\u1ed1 c\u00f4ng ty cho vay c\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean nghi\u1ec7p d\u1ef1a tr\u00ean c\u01a1 s\u1edf \u0111\u0103ng k\u00fd kinh doanh theo m\u00e3 ng\u00e0nh kinh t\u1ebf \u201cHo\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c\u201d m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 gi\u1ea5y ph\u00e9p c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ho\u1eb7c th\u1ef1c hi\u1ec7n \u0111i\u1ec1u ki\u1ec7n v\u1ec1 \u0111\u1ea7u t\u01b0, kinh doanh. M\u00e3 ng\u00e0nh ngh\u1ec1 6492 theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 27\/2018\/Q\u0110-TTg ng\u00e0y 06-7-2018 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ban h\u00e0nh \u201cH\u1ec7 th\u1ed1ng ng\u00e0nh kinh t\u1ebf Vi\u1ec7t Nam\u201d.<\/div>\n
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1.3. V\u1ec1 \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d:<\/div>\n
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Kh\u00e1c v\u1edbi \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p, m\u1ecdi tr\u01b0\u1eddng h\u1ee3p cho vay c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m \u0111\u1ec1u l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p.<\/div>\n<\/div>\n
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Kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn, nh\u01b0ng \u201ckh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d. Tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn v\u01b0\u1ee3t qu\u00e1 20% th\u00ec \u201cm\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c\u201d.<\/div>\n
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N\u1ebfu cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb 100% tr\u1edf l\u00ean th\u00ec s\u1ebd c\u00f3 d\u1ea5u hi\u1ec7u ph\u1ea1m v\u00e0o \u201cT\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1\u201d, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017). Tr\u01b0\u1eddng h\u1ee3p n\u00e0y th\u00ec \u0111\u00e3 th\u1ec3 hi\u1ec7n r\u00f5 d\u1ea5u hi\u1ec7u c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/div>\n
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Tr\u00ean th\u1ef1c t\u1ebf r\u1ea5t ph\u1ed5 bi\u1ebfn t\u00ecnh tr\u1ea1ng cho vay v\u01b0\u1ee3t m\u1ee9c l\u00e3i su\u1ea5t 20%\/n\u0103m. Tuy nhi\u00ean, n\u1ebfu l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t 20% qu\u00e1 nhi\u1ec1u th\u00ec c\u0169ng ch\u01b0a n\u00ean coi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Ch\u1eb3ng h\u1ea1n, c\u01a1 s\u1edf kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 cho vay v\u1edbi l\u00e3i su\u1ea5t 25%\/n\u0103m (v\u01b0\u1ee3t qu\u00e1 5%\/n\u0103m) th\u00ec ch\u01b0a th\u1ec3 g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d (c\u00f3 th\u1ec3 coi nh\u01b0 \u201ct\u00edn d\u1ee5ng x\u00e1m\u201d. Hay trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 5%\/n\u0103m m\u00e0 \u0111\u00e3 cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 10%\/n\u0103m (v\u01b0\u1ee3t qu\u00e1 5%\/n\u0103m) th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/div>\n
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K\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p ho\u1ea1t \u0111\u1ed9ng \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u1edbi m\u1ee9c \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d, nh\u01b0ng n\u1ebfu v\u01b0\u1ee3t gi\u1edbi h\u1ea1n 20% kh\u00f4ng qu\u00e1 nhi\u1ec1u, th\u00ec c\u0169ng ch\u01b0a n\u00ean coi \u0111\u00f3 l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y ch\u1ec9 n\u00ean coi l\u00e0 t\u00edn d\u1ee5ng \u0111en n\u1ebfu k\u00e8m theo m\u1ed9t s\u1ed1 d\u1ea5u hi\u1ec7u, th\u1ee7 \u0111o\u1ea1n gian d\u1ed1i, l\u1eeba g\u1ea1t, \u00e9p bu\u1ed9c ng\u01b0\u1eddi vay ho\u1eb7c \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d.<\/div>\n
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1.4. V\u1ec1 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d:<\/div>\n
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\u201c\u0110\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d l\u00e0 vi\u1ec7c \u0111\u00f2i n\u1ee3 theo c\u00e1c c\u00e1ch th\u1ee9c tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, nh\u01b0 x\u00e2m ph\u1ea1m danh d\u1ef1, nh\u00e2n ph\u1ea9m, uy t\u00edn, b\u00ed m\u1eadt, s\u1ee9c kho\u1ebb, t\u00ednh m\u1ea1ng v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, m\u00e0 \u0111i\u1ec3n h\u00ecnh l\u00e0 Hi\u1ebfn ph\u00e1p n\u0103m 2013, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u00e0 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015.<\/div>\n
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\u0110\u00f2i n\u1ee3 c\u0169ng l\u00e0 m\u1ed9t giao d\u1ecbch d\u00e2n s\u1ef1, n\u00ean vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c h\u00e0nh vi \u201cl\u1eeba d\u1ed1i, \u0111e do\u1ea1, c\u01b0\u1ee1ng \u00e9p\u201d l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 126 v\u1ec1 \u201cGiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do b\u1ecb l\u1eeba d\u1ed1i, \u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/div>\n<\/div>\n
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Ri\u00eang \u0111\u1ed1i v\u1edbi vi\u1ec7c \u0111\u00f2i n\u1ee3 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m \u0111, kho\u1ea3n 2, \u0110i\u1ec1u 7 v\u1ec1 \u201cQuy \u0111\u1ecbnh n\u1ed9i b\u1ed9\u201d, Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u201cQuy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u201d, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 18\/2019\/TT-NHNN ng\u00e0y 04-11-2019 nh\u01b0 sau:<\/div>\n
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\u201cBi\u1ec7n ph\u00e1p \u0111\u00f4n \u0111\u1ed1c, thu h\u1ed3i n\u1ee3 ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c th\u00f9 c\u1ee7a kh\u00e1ch h\u00e0ng, quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 kh\u00f4ng bao g\u1ed3m bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, trong \u0111\u00f3 s\u1ed1 l\u1ea7n nh\u1eafc n\u1ee3 t\u1ed1i \u0111a 05 (n\u0103m) l\u1ea7n\/01 (m\u1ed9t) ng\u00e0y, h\u00ecnh th\u1ee9c nh\u1eafc n\u1ee3, th\u1eddi gian nh\u1eafc n\u1ee3 do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng nh\u01b0ng ph\u1ea3i trong kho\u1ea3ng th\u1eddi gian t\u1eeb 7 (b\u1ea3y) gi\u1edd \u0111\u1ebfn 21 (hai m\u01b0\u01a1i m\u1ed1t) gi\u1edd; kh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, g\u1eedi th\u00f4ng tin v\u1ec1 vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho c\u00f4ng ty t\u00e0i ch\u00ednh, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d.<\/div>\n
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Tr\u01b0\u1edbc \u0111\u00e2y, c\u00e1c \u0111i\u1ec3m a, b v\u00e0 c, kho\u1ea3n 2, \u0110i\u1ec1u 11 v\u1ec1 \u201cC\u00e1c h\u00e0nh vi b\u1ecb nghi\u00eam c\u1ea5m trong ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 104\/2007 ng\u00e0y 14-6-2007 c\u1ee7a Ch\u1ec9nh ph\u1ee7 v\u1ec1 \u201cKinh doanh d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3\u201d \u0111\u00e3 t\u1eebng quy \u0111\u1ecbnh c\u1ea5m m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng trong ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 nh\u01b0 sau:<\/div>\n
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\u201ca) Th\u1ef1c hi\u1ec7n ho\u1eb7c th\u00f4ng qua ng\u01b0\u1eddi kh\u00e1c th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng, h\u00e0nh vi x\u00e2m ph\u1ea1m \u0111\u1ebfn t\u00ednh m\u1ea1ng, s\u1ee9c kho\u1ebb, nh\u00e2n ph\u1ea9m, danh d\u1ef1, quy\u1ec1n t\u1ef1 do c\u00e1 nh\u00e2n, quy\u1ec1n t\u00e0i s\u1ea3n v\u00e0 c\u00e1c quy\u1ec1n d\u00e2n s\u1ef1 kh\u00e1c c\u1ee7a kh\u00e1ch n\u1ee3, ch\u1ee7 n\u1ee3 v\u00e0 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c li\u00ean quan;<\/div>\n
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b) S\u1eed d\u1ee5ng c\u00e1c th\u00f4ng tin c\u00f3 \u0111\u01b0\u1ee3c t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 g\u00e2y b\u1ea5t l\u1ee3i t\u1edbi ch\u1ee7 n\u1ee3 v\u00e0 kh\u00e1ch n\u1ee3 \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho c\u00e1c m\u1ee5c \u0111\u00edch kh\u00e1c ngo\u00e0i n\u1ed9i dung \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n ho\u1eb7c ti\u1ebft l\u1ed9 nh\u1eefng th\u00f4ng tin \u0111\u00f3 cho t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c;<\/div>\n
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c) Th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng, h\u00e0nh vi v\u01b0\u1ee3t qu\u00e1 quy\u1ec1n \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt c\u00f4ng nh\u1eadn ho\u1eb7c v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee7 n\u1ee3 ho\u1eb7c kh\u00e1ch n\u1ee3 \u1ee7y quy\u1ec1n\u201d<\/div>\n
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\u201c\u0110\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d l\u00e0 d\u1ea5u hi\u1ec7u quan tr\u1ecdng nh\u1ea5t \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/div>\n
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Tuy nhi\u00ean, vi\u1ec7c \u0111\u00f2i m\u1ed9t ph\u1ea7n hay to\u00e0n b\u1ed9 ph\u1ea7n n\u1ee3 g\u1ed1c \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d hay \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d th\u00ec l\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 h\u00e0nh vi b\u1ea5t h\u1ee3p ph\u00e1p.<\/div>\n
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T\u1eeb n\u0103m 2021 tr\u1edf \u0111i, ho\u1ea1t \u0111\u1ed9ng \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d c\u00f2n bao g\u1ed3m c\u1ea3 vi\u1ec7c \u201ckinh doanh d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3\u201d (\u201c\u0111\u00f2i n\u1ee3 thu\u00ea\u201d) theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m h, kho\u1ea3n 1, \u0110i\u1ec1u 6 v\u1ec1 \u201cNg\u00e0nh, ngh\u1ec1 c\u1ea5m \u0111\u1ea7u t\u01b0 kinh doanh\u201d, Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2020.<\/div>\n
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1.5. \u201cC\u00f4ng th\u1ee9c\u201d t\u00ednh to\u00e1n \u201ct\u00edn d\u1ee5ng \u0111en\u201d:<\/div>\n
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C\u00f3 th\u1ec3 k\u1ebft h\u1ee3p 3 y\u1ebfu t\u1ed1 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d, \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u201ct\u00edn d\u1ee5ng \u0111en\u201d nh\u01b0 sau:<\/div>\n
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Th\u1ee9 nh\u1ea5t,<\/em> tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 c\u00f3 1 trong 3 y\u1ebfu t\u1ed1 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d ho\u1eb7c \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d ho\u1eb7c \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d, th\u00ec ch\u01b0a th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u00f3 l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. \u0110\u1eb7c bi\u1ec7t, d\u00f9 c\u00f3 cho vay v\u1edbi l\u00e3i su\u1ea5t cao ng\u1ea5t ng\u01b0\u1edfng v\u00e0i tr\u0103m %\/n\u0103m, nh\u01b0ng ch\u01b0a \u0111\u1ee7 y\u1ebfu t\u1ed1 c\u1ea5u th\u00e0nh t\u1ed9i ph\u1ea1m h\u00ecnh s\u1ef1, th\u00ec ng\u01b0\u1eddi cho vay v\u1eabn \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt cho ph\u00e9p \u0111\u00f2i \u0111\u1ee7 n\u1ee3 g\u1ed1c c\u1ed9ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 20%\/n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0111o\u1ea1n th\u1ee9 3, kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015;<\/div>\n
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Th\u1ee9 hai,<\/em> tr\u01b0\u1eddng h\u1ee3p c\u00f3 2 y\u1ebfu t\u1ed1 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d, th\u00ec v\u1eabn kh\u00f3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u00f3 l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t cho vay \u0111\u1ebfn m\u1ee9c ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 t\u1eeb 100%\/n\u0103m tr\u1edf l\u00ean;<\/div>\n
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Th\u1ee9 ba<\/em>, tr\u01b0\u1eddng h\u1ee3p c\u00f3 2 y\u1ebfu t\u1ed1 \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d, th\u00ec d\u1ea5u hi\u1ec7u \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111\u00e3 r\u00f5 r\u00e0ng h\u01a1n. Tuy nhi\u00ean v\u1eabn ch\u01b0a ch\u1eafc ch\u1eafn, v\u00ec m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c m\u1eb7c \u0111\u1ecbnh l\u00e0 thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c ph\u00e9p \u201ccho vay h\u1ee3p ph\u00e1p\u201d n\u1ebfu c\u00f3 cho vay v\u1edbi m\u1ee9c \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d, th\u00ec c\u0169ng ch\u01b0a th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u00f3 l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d;<\/div>\n
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Th\u1ee9 t\u01b0<\/em>, tr\u01b0\u1eddng h\u1ee3p c\u00f3 2 y\u1ebfu t\u1ed1 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d th\u00ec c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u00f3 l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d;<\/div>\n
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Th\u1ee9 n\u0103m<\/em>, tr\u01b0\u1eddng h\u1ee3p c\u00f3 \u0111\u1ee7 c\u1ea3 3 y\u1ebfu t\u1ed1 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d, \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d ch\u1eafc ch\u1eafn \u0111\u00f3 ch\u00ednh l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/div>\n
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V\u00ec v\u1eady, y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh v\u00e0 quan tr\u1ecdng nh\u1ea5t \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00f3 ph\u1ea3i l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d hay kh\u00f4ng ch\u00ednh l\u00e0 \u1edf d\u1ea5u hi\u1ec7u \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d, y\u1ebfu t\u1ed1 quan tr\u1ecdng th\u1ee9 2 l\u00e0 ng\u01b0\u1eddi \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 y\u1ebfu t\u1ed1 th\u1ee9 3 l\u00e0 cho vay v\u1edbi \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p.<\/div>\n
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2. Ch\u1ebf t\u00e0i x\u1eed l\u00fd \u201ct\u00edn d\u1ee5ng \u0111en\u201d:<\/strong><\/div>\n
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2.1. Ch\u1ebf t\u00e0i x\u1eed l\u00fd:<\/div>\n
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Nh\u01b0 \u0111\u00e3 ph\u00e2n t\u00edch \u1edf tr\u00ean, \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111\u01b0\u1ee3c c\u1ea5u th\u00e0nh ch\u1ee7 y\u1ebfu b\u1edfi 3 y\u1ebfu t\u1ed1 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d, \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d. V\u00ec v\u1eady, vi\u1ec7c x\u1eed l\u00fd t\u00edn d\u1ee5ng \u0111en ch\u1ee7 y\u1ebfu l\u00e0 x\u1eed l\u00fd 3 y\u1ebfu t\u1ed1 n\u00e0y, m\u00e0 tr\u1ecdng t\u00e2m l\u00e0 vi\u1ec7c \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d.<\/div>\n
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C\u00f3 3 ch\u1ebf t\u00e0i x\u1eed l\u00fd vi ph\u1ea1m \u0111\u1ed1i v\u1edbi \u201ct\u00edn d\u1ee5ng \u0111en\u201d, \u0111\u00f3 l\u00e0 \u201cch\u1ebf t\u00e0i d\u00e2n s\u1ef1\u201d, \u201cch\u1ebf t\u00e0i h\u00e0nh ch\u00ednh\u201d v\u00e0 \u201cch\u1ebf t\u00e0i h\u00ecnh s\u1ef1\u201d.<\/div>\n
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2.2. Ch\u1ebf t\u00e0i d\u00e2n s\u1ef1:<\/div>\n<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi cho vay th\u1ef1c hi\u1ec7n vi\u1ec7c \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d, th\u00ec ch\u1ebf t\u00e0i d\u00e2n s\u1ef1 l\u00e0 To\u00e0 \u00e1n c\u00f3 th\u1ec3 tuy\u00ean v\u00f4 hi\u1ec7u h\u1ee3p \u0111\u1ed3ng cho vay, t\u1ee9c kh\u00f4ng \u0111\u01b0\u1ee3c quy\u1ec1n thu l\u00e3i \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vay v\u00e0 b\u1ecb xung c\u00f4ng kho\u1ea3n thu l\u1ee3i b\u1ea5t ch\u00ednh theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 122 v\u1ec1 \u201cGiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u\u201d v\u00e0 \u0110i\u1ec1u 131 v\u1ec1 \u201cH\u1eadu qu\u1ea3 ph\u00e1p l\u00fd c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi cho vay \u00e1p \u0111\u1eb7t \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d cao h\u01a1n gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t 20%\/n\u0103m ho\u1eb7c m\u1ee9c tr\u1ea7n kh\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u00ec ch\u1ebf t\u00e0i d\u00e2n s\u1ef1 l\u00e0 To\u00e0 \u00e1n s\u1ebd tuy\u00ean \u201cm\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111o\u1ea1n th\u1ee9 3, kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi cho vay v\u00e0 \u201c\u0111\u00f2i n\u1ee3 tr\u00e1i ph\u00e1p lu\u1eadt\u201d m\u00e0 g\u00e2y thi\u1ec7t h\u1ea1i \u0111\u1ebfn danh d\u1ef1, nh\u00e2n ph\u1ea9m, s\u1ee9c kho\u1ebb, t\u00ednh m\u1ea1ng v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c th\u00ec s\u1ebd ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng to\u00e0n b\u1ed9 thi\u1ec7t h\u1ea1i v\u00e0 kh\u1eafc ph\u1ee5c h\u1eadu qu\u1ea3 kh\u00e1c g\u00e2y ra theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 13 v\u1ec1 \u201cB\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/div>\n
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2.3. Ch\u1ebf t\u00e0i h\u00e0nh ch\u00ednh:<\/div>\n
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Ch\u1ebf t\u00e0i h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d:<\/div>\n
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Ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0, kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2020 th\u00ec c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 5 \u0111\u1ebfn 10 tri\u1ec7u \u0111\u1ed3ng, theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m c, kho\u1ea3n 2, \u0110i\u1ec1u 13. Vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 t\u1ea1i Vi\u1ec7t Nam\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 50\/2016\/N\u0110-CP ng\u00e0y 01-6-2016 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh v\u1ec1 x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c k\u1ebf ho\u1ea1ch v\u00e0 \u0111\u1ea7u t\u01b0\u201d. Tuy nhi\u00ean, Lu\u1eadt \u0110\u1ea7u t\u01b0 kh\u00f4ng quy \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng \u201ccho vay\u201d l\u00e0 ng\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n.<\/div>\n
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V\u00ec v\u1eady, ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ho\u1ea1t \u201c\u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d.<\/div>\n<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p r\u00fat v\u1ed1n, cho vay, thu n\u1ee3, \u0111\u0103ng k\u00fd kho\u1ea3n vay ho\u1eb7c cho vay n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt th\u00ec tu\u1ef3 theo t\u00ednh ch\u1ea5t, m\u1ee9c \u0111\u1ed9 vi ph\u1ea1m, c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t ti\u1ec1n t\u1eeb 20 \u0111\u1ebfn 200 tri\u1ec7u \u0111\u1ed3ng theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m g, kho\u1ea3n 3; \u0111i\u1ec3m g, kho\u1ea3n 4 v\u00e0 \u0111i\u1ec3m a, kho\u1ea3n 7, \u0110i\u1ec1u 23 v\u1ec1 \u201cVi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ngo\u1ea1i h\u1ed1i\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 88\/2019\/N\u0110-CP ng\u00e0y 14-11-2019 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 ti\u1ec1n t\u1ec7 v\u00e0 ng\u00e2n h\u00e0ng\u201d.<\/div>\n
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Ch\u1ebf t\u00e0i h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d:<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p c\u01a1 s\u1edf cho vay c\u1ea7m \u0111\u1ed3 cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u201cv\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 th\u00ec c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh t\u1eeb 5 – 15 tri\u1ec7u \u0111\u1ed3ng theo quy \u0111\u1ecbnh t\u1ea1i \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\u00e1y v\u00e0 ch\u1eefa ch\u00e1y; ph\u00f2ng, ch\u1ed1ng b\u1ea1o l\u1ef1c gia \u0111\u00ecnh\u201d. Tuy nhi\u00ean, quy \u0111\u1ecbnh \u201cv\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2017 theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p \u201ccho vay t\u1ea1i s\u00f2ng b\u1ea1c, n\u01a1i \u0111\u00e1nh b\u1ea1c kh\u00e1c\u201d th\u00ec c\u0169ng s\u1ebd b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m a, kho\u1ea3n 3, \u0111i\u1ec1u 26 v\u1ec1 \u201cH\u00e0nh vi \u0111\u00e1nh b\u1ea1c tr\u00e1i ph\u00e9p\u201d trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 167\/2013\/N\u0110-CP ng\u00e0y 12-11-2013.<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p 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, c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 20 \u0111\u1ebfn 30 tri\u1ec7u \u0111\u1ed3ng, theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 14. Vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 c\u1ea5p t\u00edn d\u1ee5ng\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 88\/2019\/N\u0110-CP ng\u00e0y 14-11-2019 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 ti\u1ec1n t\u1ec7 v\u00e0 ng\u00e2n h\u00e0ng\u201d. Vi\u1ec7c n\u00e0y ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t, theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ph\u1ea3i cho vay \u01b0u \u0111\u00e3i v\u1ec1 l\u00e3i su\u1ea5t. C\u00f2n v\u1ec1 c\u01a1 b\u1ea3n, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t tr\u00ean 20%\/n\u0103m, th\u1eadm ch\u00ed \u0111\u1ebfn m\u1ee9c 99%\/n\u0103m v\u1eabn kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t, v\u00ec kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n v\u1ec1 l\u00e3i su\u1ea5t cho vay. Vi\u1ec7c n\u00e0y \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch t\u1ea1i Ngh\u1ecb quy\u1ebft s\u1ed1 01\/2019\/NQ-H\u0110TP ng\u00e0y 11-01-2019 c\u1ee7a H\u1ed9i \u0111\u1ed3ng th\u1ea9m ph\u00e1n T\u00f2a \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao v\u1ec1 \u2018H\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i, l\u00e3i su\u1ea5t, ph\u1ea1t vi ph\u1ea1m\u201d. Th\u1eddi k\u1ef3 1987 – 1989, k\u1ef7 l\u1ee5c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 t\u1eebng l\u00ean t\u1edbi 144%\/n\u0103m (12%\/th\u00e1ng), l\u00e3i su\u1ea5t cho vay l\u00ean t\u1edbi g\u1ea7n 119%\/n\u0103m (9,9%\/th\u00e1ng) v\u00e0 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n l\u00ean t\u1edbi 252%\/n\u0103m (21%\/th\u00e1ng) \u0111\u1ec3 ch\u1ed1ng l\u1ea1m ph\u00e1t.<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty ch\u1ee9ng kho\u00e1n \u201cvi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 h\u1ea1n ch\u1ebf vay n\u1ee3 ho\u1eb7c v\u1ec1 h\u1ea1n ch\u1ebf cho vay\u201d s\u1ebd b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 150 \u0111\u1ebfn 200 tri\u1ec7u \u0111\u1ed3ng, theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m d, kho\u1ea3n 5, \u0110i\u1ec1u 25 v\u1ec1 \u201cVi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 nh\u1eefng thay \u0111\u1ed5i ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn\u201d; \u201cvi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 h\u1ea1n m\u1ee9c cho vay giao d\u1ecbch k\u00fd qu\u1ef9, v\u1ec1 ng\u1eebng th\u1ef1c hi\u1ec7n giao d\u1ecbch k\u00fd qu\u1ef9\u201d s\u1ebd b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 70 \u0111\u1ebfn 100 tri\u1ec7u \u0111\u1ed3ng, theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 4, \u0110i\u1ec1u 26 v\u1ec1 \u201cVi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty ch\u1ee9ng kho\u00e1n, chi nh\u00e1nh c\u00f4ng ty ch\u1ee9ng kho\u00e1n n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 156\/2020\/N\u0110-CP ng\u00e0y 31-12-2020 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.<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c khi cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb tr\u00ean 20% \u0111\u1ebfn d\u01b0\u1edbi 100%\/n\u0103m, tuy vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a lu\u1eadt, nh\u01b0ng l\u1ea1i kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh, v\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t.<\/div>\n<\/div>\n
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Ch\u1ebf t\u00e0i h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d:<\/div>\n
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Vi\u1ec7c \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d th\u00ec s\u1ebd b\u1ecb x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi c\u00e1c h\u00e0nh vi vi ph\u1ea1m t\u01b0\u01a1ng \u1ee9ng g\u00e2y m\u1ea5t tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 167\/2013\/N\u0110-CP.<\/div>\n
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2.4. Ch\u1ebf t\u00e0i h\u00ecnh s\u1ef1:<\/div>\n
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Ch\u1ebf t\u00e0i h\u00ecnh s\u1ef1 \u0111\u1ed1i v\u1edbi \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d:<\/div>\n
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Hi\u1ec7n nay, vi\u1ec7c \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d kh\u00f4ng b\u1ecb x\u1eed l\u00fd v\u1ec1 t\u1ed9i ph\u1ea1m h\u00ecnh s\u1ef1, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u1ea1m \u201ct\u1ed9i cho vay l\u00e3i n\u1eb7ng\u201d. Tr\u01b0\u1edbc n\u0103m 2017, h\u00e0nh vi \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d c\u00f3 th\u1ec3 c\u1ea5u th\u00e0nh t\u1ed9i ph\u1ea1m h\u00ecnh s\u1ef1 v\u1ec1 t\u1ed9i kinh doanh tr\u00e1i ph\u00e1p.<\/div>\n<\/div>\n
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Ch\u1ebf t\u00e0i h\u00ecnh s\u1ef1 \u0111\u1ed1i v\u1edbi \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d:<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p cho vay \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb 100%\/n\u0103m tr\u1edf l\u00ean, \u0111\u1ed3ng th\u1eddi thu l\u1ee3i b\u1ea5t ch\u00ednh t\u1eeb 30 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean ho\u1eb7c \u0111\u00e3 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u1ec1 h\u00e0nh vi n\u00e0y ho\u1eb7c \u0111\u00e3 b\u1ecb k\u1ebft \u00e1n v\u1ec1 t\u1ed9i n\u00e0y, ch\u01b0a \u0111\u01b0\u1ee3c x\u00f3a \u00e1n t\u00edch m\u00e0 c\u00f2n vi ph\u1ea1m, th\u00ec m\u1edbi ph\u1ea1m \u201cT\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017). Tu\u1ef3 theo m\u1ee9c thu l\u1ee3i b\u1ea5t ch\u00ednh, m\u00e0 t\u1ed9i ph\u1ea1m n\u00e0y c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 50 \u0111\u1ebfn 1 t\u1ef7 \u0111\u1ed3ng, ph\u1ea1t c\u1ea3i t\u1ea1o kh\u00f4ng giam gi\u1eef \u0111\u1ebfn 03 n\u0103m ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 06 th\u00e1ng \u0111\u1ebfn 03 n\u0103m.<\/div>\n<\/div>\n
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Ch\u1ebf t\u00e0i h\u00ecnh s\u1ef1 \u0111\u1ed1i v\u1edbi \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d:<\/div>\n
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Tr\u01b0\u1eddng h\u1ee3p \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d m\u00e0 g\u00e2y thi\u1ec7t h\u1ea1i \u0111\u1ebfn danh d\u1ef1, nh\u00e2n ph\u1ea9m, s\u1ee9c kho\u1ebb, t\u00ednh m\u1ea1ng v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c th\u00ec c\u00f3 th\u1ec3 b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 v\u1ec1 c\u00e1c t\u1ed9i ph\u1ea1m li\u00ean quan nh\u01b0 l\u00e0m nh\u1ee5c ng\u01b0\u1eddi kh\u00e1c, c\u1ed1 \u00fd g\u00e2y th\u01b0\u01a1ng t\u00edch, hu\u1ef7 ho\u1ea1i t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c,\u2026<\/div>\n
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3. Gi\u1ea3i ph\u00e1p h\u1ea1n ch\u1ebf \u201ct\u00edn d\u1ee5ng \u0111en\u201d:<\/strong><\/div>\n
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3.1. S\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng:<\/div>\n
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S\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh kho\u1ea3n 2, \u0110i\u1ec1u 8 v\u1ec1 \u201cQuy\u1ec1n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 theo h\u01b0\u1edbng: Quy \u0111\u1ecbnh r\u00f5 r\u00e0ng \u0111\u1ec3 c\u00f3 th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay, \u201cho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d v\u00e0 ho\u1ea1t \u0111\u1ed9ng \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d, thay v\u00ec quy \u0111\u1ecbnh m\u00e2u thu\u1eabn v\u1edbi c\u00e1c lu\u1eadt kh\u00e1c, r\u1ea5t kh\u00f3 hi\u1ec3u v\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf l\u00e0 \u201cNghi\u00eam c\u1ea5m c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d (cho vay l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec3n h\u00ecnh).<\/div>\n
<\/div>\n<\/div>\n
\n
3.2. S\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1:<\/div>\n
<\/div>\n<\/div>\n
\n
S\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 268 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u1ec1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay theo h\u01b0\u1edbng:<\/div>\n
<\/div>\n<\/div>\n
\n
Th\u1ee9 nh\u1ea5t,<\/em> \u00e1p d\u1ee5ng gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t theo l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng, \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng ph\u1ea7n l\u1edbn giao d\u1ecbch cho vay l\u00e2u nay r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d, d\u1eabn \u0111\u1ebfn kh\u00f3 ph\u00e2n bi\u1ec7t v\u00e0 kh\u00f3 x\u1eed l\u00fd \u201ct\u00edn d\u1ee5ng \u0111en\u201d;<\/div>\n
<\/div>\n<\/div>\n
\n
Th\u1ee9 hai,<\/em> tr\u01b0\u1eddng h\u1ee3p cho vay v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t theo lu\u1eadt \u0111\u1ecbnh th\u00ec \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i v\u00f4 hi\u1ec7u \u0111\u1ed1i v\u1edbi to\u00e0n b\u1ed9 l\u00e3i su\u1ea5t (k\u1ec3 c\u1ea3 trong v\u00e0 v\u01b0\u1ee3t gi\u1edbi h\u1ea1n), v\u00ec quy \u0111\u1ecbnh ch\u1ec9 b\u00f4 hi\u1ec7u \u0111\u1ed1i v\u1edbi ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 nh\u01b0 hi\u1ec7n nay th\u00ec \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c khuy\u1ebfn kh\u00edch vi ph\u1ea1m ph\u00e1p lu\u1eadt. T\u1ea5t nhi\u00ean, quy \u0111\u1ecbnh n\u00e0y ch\u1ec9 \u0111\u1eb7t ra n\u1ebfu th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c \u0111i\u1ec1u ki\u1ec7n th\u1ee9 nh\u1ea5t.<\/div>\n
<\/div>\n<\/div>\n
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3.3. S\u1eeda \u0111\u1ed5i ph\u00e1p lu\u1eadt h\u00e0nh ch\u00ednh:<\/div>\n
<\/div>\n<\/div>\n
\n
S\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh t\u1ea1i 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\u00e1y v\u00e0 ch\u1eefa ch\u00e1y; ph\u00f2ng, ch\u1ed1ng b\u1ea1o l\u1ef1c gia \u0111\u00ecnh\u201d theo h\u01b0\u1edbng, b\u1ed5 sung quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi c\u00e1c h\u00e0nh vi \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d, \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d v\u00e0 \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d (bao g\u1ed3m c\u1ea3 vi\u1ec7c \u201c\u0111\u00f2i n\u1ee3 thu\u00ea\u201d).<\/div>\n
<\/div>\n<\/div>\n
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3.4. S\u1eeda \u0111\u1ed5i ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1:<\/div>\n
<\/div>\n<\/div>\n
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S\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201 v\u1ec1 \u201cT\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015 theo h\u01b0\u1edbng:<\/div>\n
<\/div>\n<\/div>\n
\n
Th\u1ee9 nh\u1ea5t<\/em>, phi h\u00ecnh s\u1ef1 h\u00e1o t\u1ed9i \u201ccho vay l\u00e3i n\u1eb7ng\u201d n\u1ebfu l\u00e0 vi\u1ec7c cho vay ho\u00e0n to\u00e0n t\u1ef1 nguy\u1ec7n, b\u00ecnh \u0111\u1eb3ng. L\u00e3i su\u1ea5t cho vay trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y cao hay th\u1ea5p l\u00e0 do hai b\u00ean ho\u00e0n to\u00e0n tho\u1ea3 thu\u1eadn theo nguy\u00ean t\u1eafc \u201cthu\u1eadn mua, v\u1eeba b\u00e1n\u201d tr\u00ean c\u01a1 s\u1edf \u201cgi\u00e1 c\u1ea3 d\u1ecbch v\u1ee5\u201d \u0111\u01b0\u1ee3c t\u1ef1 do kinh doanh v\u00e0 do th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh.<\/div>\n
<\/div>\n<\/div>\n
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Th\u1ee9 hai,<\/em> gi\u1eef l\u1ea1i t\u1ed9i n\u00e0y nh\u01b0ng kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o c\u00e1c t\u00ecnh ti\u1ebft \u0111\u1ecbnh t\u1ed9i l\u00e0 c\u00e1c y\u1ebfu t\u1ed1 \u201ccho vay b\u1ea5t h\u1ee3p ph\u00e1p\u201d, \u201cl\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p\u201d, \u201c\u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p\u201d, trong \u0111\u00f3 c\u00f3 l\u00e3i su\u1ea5t cao, kho\u1ea3n thu l\u1ee3i b\u1ea5t ch\u00ednh v\u00e0 c\u00e1c th\u1ee7 \u0111o\u1ea1n l\u1eeba \u0111\u1ea3o, gian d\u1ed1i, g\u00e0i b\u1eaby, g\u00e2y nh\u1ea7m l\u1eabn, c\u01b0\u1ee1ng b\u1ee9c, \u00e9p bu\u1ed9c, b\u00f3c l\u1ed9t,\u2026 \u0110\u1ed1i v\u1edbi l\u00e3i su\u1ea5t, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, m\u00e0 c\u1ea7n ph\u1ea3i quy \u0111\u1ecbnh m\u1ee9c c\u1ee5 th\u1ec3 (c\u00f3 th\u1ec3 l\u00e0 t\u1eeb 100%\/n\u0103m tr\u1edf l\u00ean) v\u00e0 b\u1ecf \u201ctrong giao d\u1ecbch d\u00e2n s\u1ef1\u201d trong t\u00ean \u0111i\u1ec1u lu\u1eadt, \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng r\u1ea5t kh\u00f3 kh\u0103n trong vi\u1ec7c kh\u1edfi t\u1ed1, \u0111i\u1ec1u tra, truy t\u1ed1 v\u00e0 x\u00e9t x\u1eed v\u1ec1 t\u1ed9i ph\u1ea1m n\u00e0y trong nh\u1eefng n\u0103m qua.<\/div>\n
<\/div>\n<\/div>\n
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3.5. C\u00e1c gi\u1ea3i ph\u00e1p kh\u00e1c:<\/div>\n
<\/div>\n<\/div>\n
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Th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 ra v\u00e0 y\u00eau c\u1ea7u th\u1ef1c hi\u1ec7n \u0111\u1ed1i v\u1edbi 12 c\u01a1 quan, nh\u00f3m c\u01a1 quan h\u1eefu quan t\u1ea1i Ch\u1ec9 th\u1ecb s\u1ed1 12\/CT-TTg ng\u00e0y 25-4-2019 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cT\u0103ng c\u01b0\u1eddng ph\u00f2ng ng\u1eeba, \u0111\u1ea5u tranh v\u1edbi t\u1ed9i ph\u1ea1m v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d\u201d.<\/div>\n
12\/11\/2021<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

(ANVI) – Tham lu\u1eadn 5.000 ch\u1eef t\u1ea1i H\u1ed9i th\u1ea3o do B\u00e1o Lao \u0111\u1ed9ng & NHNN t\u1ed5 ch\u1ee9c ng\u00e0y 12-11-2021: B\u00ecnh lu\u1eadn v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d t\u1eeb g\u00f3c nh\u00ecn c\u1ee7a Lu\u1eadt s\u01b0. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC. C\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh v\u00e0 x\u1eed l\u00fd t\u00ecnh tr\u1ea1ng […]<\/p>\n","protected":false},"author":2,"featured_media":1572,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-676","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n371. B\u00ecnh lu\u1eadn v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d t\u1eeb g\u00f3c nh\u00ecn c\u1ee7a Lu\u1eadt s\u01b0 - 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\/binh-luan-ve-tin-dung-den-tu-goc-nhin-cua-luat-su\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]371. B\u00ecnh lu\u1eadn v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d t\u1eeb g\u00f3c nh\u00ecn c\u1ee7a Lu\u1eadt s\u01b0[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) – Tham lu\u1eadn 5.000 ch\u1eef t\u1ea1i H\u1ed9i th\u1ea3o do B\u00e1o Lao \u0111\u1ed9ng & NHNN t\u1ed5 ch\u1ee9c ng\u00e0y 12-11-2021: B\u00ecnh lu\u1eadn v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d t\u1eeb g\u00f3c nh\u00ecn c\u1ee7a Lu\u1eadt s\u01b0. 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C\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh v\u00e0 x\u1eed l\u00fd t\u00ecnh tr\u1ea1ng […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/binh-luan-ve-tin-dung-den-tu-goc-nhin-cua-luat-su\/\" \/>\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=\"2021-11-01T02:25:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-01-21T02:00:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/11\/tin-dung-den-01.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"394\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\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 Thanh \u0110\u1ee9c\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"37 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/binh-luan-ve-tin-dung-den-tu-goc-nhin-cua-luat-su\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/binh-luan-ve-tin-dung-den-tu-goc-nhin-cua-luat-su\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"371. 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