{"id":6920,"date":"2021-08-16T10:45:13","date_gmt":"2021-08-16T03:45:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6920"},"modified":"2022-02-24T13:27:08","modified_gmt":"2022-02-24T06:27:08","slug":"2-803-ngan-hang-lon-rao-ban-tram-khoan-no-lat-nhat-xuong-nuoc-ban-le-tu-vai-trieu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-803-ngan-hang-lon-rao-ban-tram-khoan-no-lat-nhat-xuong-nuoc-ban-le-tu-vai-trieu\/","title":{"rendered":"2.803. Ng\u00e2n h\u00e0ng l\u1edbn rao b\u00e1n tr\u0103m kho\u1ea3n n\u1ee3 ‘l\u1eaft nh\u1eaft’, ‘xu\u1ed1ng n\u01b0\u1edbc’ b\u00e1n l\u1ebb t\u1eeb v\u00e0i tri\u1ec7u"},"content":{"rendered":"

(IFN) – C\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng gi\u00e1 tr\u1ecb nh\u1ecf ch\u1ec9 t\u1eeb 1,8 \u2013 88 tri\u1ec7u \u0111\u1ed3ng g\u1ed3m c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i, ph\u1ea1t, nh\u01b0ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. Ng\u00e2n h\u00e0ng xu\u1ed1ng n\u01b0\u1edbc \u0111\u1ebfn m\u1ee9c b\u00e1n l\u1ebb t\u1eebng kho\u1ea3n n\u1ee3<\/h4>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u1ea2nh minh h\u1ecda<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

M\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng VietinBank li\u00ean ti\u1ebfp th\u00f4ng b\u00e1o b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n do ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng thu h\u1ed3i.<\/p>\n

Theo \u0111\u00f3, c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng n\u00e0y bao g\u1ed3m 105 h\u1ee3p \u0111\u1ed3ng c\u1ee7a 105 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n. Trong l\u1ea7n th\u00f4ng b\u00e1o \u0111\u1ea7u ti\u00ean, VietinBank th\u00f4ng b\u00e1o t\u1ed5ng gi\u00e1 tr\u1ecb ghi s\u1ed5 l\u00e0 2,847 t\u1ef7 \u0111\u1ed3ng, c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 1,8 \u2013 88 tri\u1ec7u \u0111\u1ed3ng (bao g\u1ed3m n\u1ee3 g\u1ed1c, n\u1ee3 l\u00e3i, l\u00e3i ph\u1ea1t ch\u1eadm tr\u1ea3).<\/p>\n

Tuy nhi\u00ean, ch\u1ec9 hai ng\u00e0y sau \u0111\u00f3, ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c th\u00f4ng b\u00e1o b\u00e1n \u0111\u1ea5u gi\u00e1 c\u00e1c kho\u1ea3n n\u1ee3 tr\u00ean v\u1edbi t\u1ed5ng tr\u1ecb gi\u00e1 \u0111\u01b0\u1ee3c gi\u1ea3m xu\u1ed1ng c\u00f2n 2,587 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd, \u0111\u00e2y \u0111\u1ec1u l\u00e0 c\u00e1c kho\u1ea3n vay t\u00edn ch\u1ea5p n\u00ean kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, trong khi ng\u00e2n h\u00e0ng mong mu\u1ed1n s\u1ed1 ti\u1ec1n thu v\u1ec1 b\u1eb1ng \u0111\u00fang t\u1ed5ng gi\u00e1 tr\u1ecb ghi s\u1ed5 c\u1ee7a g\u00f3i n\u1ee3. Theo \u0111\u00f3, ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 mua l\u1ebb t\u1eebng kho\u1ea3n n\u1ee3 v\u1edbi gi\u00e1 tr\u1ecb t\u1eeb 1,9 \u2013 81 tri\u1ec7u \u0111\u1ed3ng, ho\u1eb7c c\u0169ng c\u00f3 th\u1ec3 mua to\u00e0n b\u1ed9 105 kho\u1ea3n n\u1ee3 tr\u00ean.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Kho\u1ea3n n\u1ee3 cho vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c VietinBank rao b\u00e1n.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u00e2y l\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean c\u00f3 m\u1ed9t ng\u00e2n h\u00e0ng c\u00f4ng khai rao b\u00e1n c\u00f9ng l\u00fac c\u1ea3 tr\u0103m kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n. Tuy nhi\u00ean, kh\u1ea3 n\u0103ng th\u00e0nh c\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 kh\u00f4ng cao b\u1edfi \u0111\u00e2y l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, h\u01a1n n\u1eefa m\u1ee9c gi\u00e1 kh\u1edfi \u0111i\u1ec3m l\u1ea1i ngang b\u1eb1ng v\u1edbi gi\u00e1 tr\u1ecb kho\u1ea3n n\u1ee3, bao g\u1ed3m n\u1ee3 g\u1ed1c, n\u1ee3 l\u00e3i, v\u00e0 l\u00e3i ph\u1ea1t.<\/p>\n

\u201cVietinBank s\u1ebd b\u00e1n t\u1eebng kho\u1ea3n n\u1ee3, m\u1ed9t s\u1ed1 kho\u1ea3n n\u1ee3 ho\u1eb7c t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3. VietinBank s\u1ebd l\u1ef1a ch\u1ecdn ng\u01b0\u1eddi mua tr\u1ea3 gi\u00e1 cao nh\u1ea5t v\u00e0 \u00edt nh\u1ea5t b\u1eb1ng gi\u00e1 kh\u1edfi \u0111i\u1ec3m t\u1eebng kho\u1ea3n n\u1ee3\u201d, VietinBank kh\u1eb3ng \u0111\u1ecbnh trong th\u00f4ng b\u00e1o b\u00e1n n\u1ee3.<\/p>\n

VietinBank v\u1ed1n kh\u00f4ng c\u00f3 c\u00f4ng ty t\u00e0i ch\u00ednh chuy\u00ean cho vay ti\u00eau d\u00f9ng nh\u01b0 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng kh\u00e1c, nh\u01b0ng ng\u00e2n h\u00e0ng n\u00e0y v\u1eabn cung c\u1ea5p g\u00f3i t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng g\u1ed3m vay mua \u00f4 t\u00f4, vay s\u1eeda ch\u1eefa nh\u00e0,\u2026 v\u00e0 c\u1ea3 nh\u1eefng kho\u1ea3n vay nh\u1ecf l\u1ebb kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u00f3i tr\u00ean.<\/p>\n

Hi\u1ec7n nay, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng khuy\u1ebfn kh\u00edch kh\u00e1ch tr\u1ea3 n\u1ee3 vay ti\u00eau d\u00f9ng b\u1eb1ng c\u00e1ch thanh to\u00e1n kho\u1ea3n vay\/d\u01b0 n\u1ee3 th\u1ebb th\u00f4ng qua c\u00e1c c\u1eeda h\u00e0ng ti\u1ec7n l\u1ee3i, si\u00eau th\u1ecb mini, gi\u1ed1ng nh\u01b0 c\u00e1ch \u0111\u00f3ng ti\u1ec1n \u0111i\u1ec7n n\u01b0\u1edbc v\u1eabn \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec3m n\u00e0y thu h\u1ed9.<\/p>\n

Tuy nhi\u00ean, m\u1ed9t th\u1ef1c t\u1ebf l\u00e0 cho vay ti\u00eau d\u00f9ng th\u00f4ng qua vay t\u00edn ch\u1ea5p lu\u00f4n ch\u1ee9a \u0111\u1ef1ng nhi\u1ec1u r\u1ee7i ro \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng do \u0111a ph\u1ea7n ng\u01b0\u1eddi vay l\u00e0 nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ti\u1ebfp c\u1eadn g\u00f3i vay th\u00f4ng th\u01b0\u1eddng (c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, l\u00e3i su\u1ea5t th\u1ea5p,\u2026). Nh\u1ea5t l\u00e0 trong t\u00ecnh h\u00ecnh d\u1ecbch b\u1ec7nh nh\u01b0 hi\u1ec7n nay, nhi\u1ec1u ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u1ea5t vi\u1ec7c l\u00e0m ho\u1eb7c b\u1ecb gi\u1ea3m thu nh\u1eadp, n\u00ean ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/p>\n

T\u00c0I TR\u1ee2<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf kh\u00f4ng \u00edt c\u00e1 nh\u00e2n, \u0111a ph\u1ea7n l\u00e0 ng\u01b0\u1eddi tr\u1ebb l\u1ee3i d\u1ee5ng d\u1ecbch b\u1ec7nh \u0111\u1ec3 ch\u00e2y \u00ec kh\u00f4ng tr\u1ea3 n\u1ee3. Th\u1eadm ch\u00ed, tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i \u0111ang t\u1ed3n t\u1ea1i kh\u00f4ng \u00edt c\u00e1c h\u1ed9i nh\u00f3m quy t\u1ee5 c\u00e1c con n\u1ee3 v\u1edbi m\u1ee5c \u0111\u00edch chia s\u1ebb nhau c\u00e1ch \u201cb\u00f9ng\u201d n\u1ee3, nh\u1ea5t l\u00e0 n\u1ee3 vay c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00e1c app cho vay.<\/p>\n

T\u1ea1i m\u1ed9t di\u1ec5n \u0111\u00e0n quy t\u1ee5 g\u1ea7n 50.000 th\u00e0nh vi\u00ean do m\u1ed9t ng\u01b0\u1eddi c\u00f3 nick name \u201cN.T\u201d l\u00e0m qu\u1ea3n tr\u1ecb, ng\u01b0\u1eddi n\u00e0y c\u00f4ng khai m\u1eddi ch\u00e0o c\u00e1c th\u00e0nh vi\u00ean tham gia v\u00e0o vi\u1ec7c qua m\u1eb7t c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00e1c app cho vay \u0111\u1ec3 \u201cb\u00f9ng\u201d n\u1ee3. T\u1ea5t nhi\u00ean, kh\u00f4ng c\u1ea7n bi\u1ebft c\u00f3 tr\u00f3t l\u1ecdt hay kh\u00f4ng, con n\u1ee3 tham gia s\u1ebd ph\u1ea3i c\u1eaft \u201cph\u1ebf\u201d \u0111\u1ec3 c\u1ea3m \u01a1n ng\u01b0\u1eddi n\u00e0y d\u00f9 bi\u1ebft \u0111\u00f3 l\u00e0 h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

C\u0169ng theo th\u00e0nh vi\u00ean \u0110.\u0110, \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u00e1c c\u00f4ng ty n\u00e0y gi\u1ea3i ng\u00e2n, ch\u1ec9 c\u1ea7n cung c\u1ea5p CMND ho\u1eb7c s\u1ed5 h\u1ed9 kh\u1ea9u l\u00e0 c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng vay online t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. V\u1edbi m\u1ed7i b\u00e0i \u0111\u0103ng nh\u01b0 th\u1ebf n\u00e0y, c\u00f3 h\u00e0ng ch\u1ee5c, th\u1eadm ch\u00ed h\u00e0ng tr\u0103m ng\u01b0\u1eddi tham gia b\u00ecnh lu\u1eadn h\u1ecfi nhau c\u00e1ch \u0111\u1ed1i ph\u00f3 khi b\u1ecb \u0111\u00f2i n\u1ee3.\u0110.\u0110, m\u1ed9t th\u00e0nh vi\u00ean trong nh\u00f3m cho hay, hi\u1ec7n th\u00e0nh vi\u00ean n\u00e0y \u0111ang vay n\u1ee3 c\u00f9ng l\u00fac t\u1ea1i 3 c\u00f4ng ty t\u00e0i ch\u00ednh g\u1ed3m Easy Credit (th\u1eddi h\u1ea1n 15 th\u00e1ng), Mirae Asset (24 th\u00e1ng), v\u00e0 Mcredit (24 th\u00e1ng). Trong \u0111\u00f3, hi\u1ec7n m\u1edbi ch\u1ec9 tr\u1ea3 \u0111\u01b0\u1ee3c l\u1ea7n l\u01b0\u1ee3t 3 th\u00e1ng cho Mirae Asset v\u00e0 14 th\u00e1ng cho Mcredit. Th\u00e0nh vi\u00ean n\u00e0y cho bi\u1ebft, v\u00ec \u0111\u00e3 \u0111\u0103ng k\u00fd s\u1ed1 \u0111i\u1ec7n tho\u1ea1i ng\u01b0\u1eddi th\u00e2n cho kho\u1ea3n vay 20 tri\u1ec7u \u0111\u1ed3ng t\u1ea1i Mcredit n\u00ean c\u1ed1 g\u1eafng tr\u1ea3 n\u1ee3, trong khi \u0111ang c\u00f3 \u00fd \u0111\u1ecbnh \u201cb\u00f9ng\u201d hai c\u00f4ng ty c\u00f2n l\u1ea1i.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
M\u1ed7i th\u00e1ng, \u0110.\u0110 ph\u1ea3i lo tr\u1ea3 n\u1ee3 c\u00f9ng l\u00fac cho 3 c\u00f4ng ty t\u00e0i ch\u00ednh v\u1ec1 c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng c\u1ee7a\u00a0<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Tuy nhi\u00ean, b\u00ean c\u1ea1nh \u0111\u00f3, c\u0169ng c\u00f3 kh\u00f4ng \u00edt c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng nh\u00e2n c\u01a1 h\u1ed9i m\u1eddi ch\u00e0o c\u00e1c g\u00f3i \u201cd\u1ecbch v\u1ee5\u201d ch\u1ec9 c\u00e1ch \u201cc\u00e0y app\u201d cho nh\u1eefng con n\u1ee3 s\u1eb5n c\u00f3 \u00fd \u0111\u1ecbnh h\u01b0\u1edfng th\u1ee5, c\u0169ng nh\u01b0 nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng cho vay t\u00edn d\u1ee5ng \u0111en m\u1eddi ch\u00e0o c\u00e1c g\u00f3i vay khi\u1ebfn cho b\u1ea5t k\u1ef3 ai tham gia v\u00e0o nh\u1eefng h\u1ed9i nh\u00f3m n\u00e0y \u0111\u1ec1u c\u00f3 c\u1ea3m gi\u00e1c m\u1ed9t khi \u0111\u00e3 r\u01a1i v\u00e0o b\u1eaby n\u1ee3 s\u1ebd kh\u00f4ng c\u00f3 c\u00e1ch \u0111\u1ec3 tho\u00e1t ra.<\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 t\u1ecbch C\u00f4ng ty Lu\u1eadt ANVI, m\u1ecdi quan h\u1ec7 d\u00e2n s\u1ef1 gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec1u ph\u1ea3i tu\u00e2n th\u1ee7 theo ph\u00e1p lu\u1eadt, khi \u0111\u00e3 ch\u1eadm tr\u1ea3 n\u1ee3 th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy\u1ec1n t\u00ednh l\u00e3i qu\u00e1 h\u1ea1n v\u00e0 \u0111\u00f2i n\u1ee3.<\/em><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
C\u00f3 kh\u00f4ng \u00edt c\u00e1c nh\u00f3m k\u00edn \u0111\u01b0\u1ee3c l\u1eadp ra \u0111\u1ec3 quy t\u1ee5 nh\u1eefng ng\u01b0\u1eddi c\u00f3 \u00fd \u0111\u1ed3 “b\u00f9ng” n\u1ee3 nh\u01b0ng th\u1ef1c ch\u1ea5t l\u1ea1i l\u00e0 nh\u1eefng c\u00e1i b\u1eaby n\u1ee3 \u0111\u01b0\u1ee3c gi\u0103ng ra.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy\u1ec1n t\u00ednh l\u00e3i qu\u00e1 h\u1ea1n v\u00e0 \u0111\u00f2i n\u1ee3 khi kh\u00e1ch h\u00e0ng ch\u1eadm tr\u1ea3, \u0111\u00f2i kh\u00f4ng \u0111\u01b0\u1ee3c th\u00ec c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n. \u0110\u01b0\u01a1ng nhi\u00ean sau khi ki\u1ec7n ra t\u00f2a th\u00ec c\u00e1c b\u00ean s\u1ebd ph\u1ea3i thi h\u00e0nh \u00e1n, n\u1ebfu b\u00ean vay v\u1eabn kh\u00f4ng th\u1ec3 thi h\u00e0nh \u00e1n th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd\u2026. m\u1ea5t v\u1ed1n.<\/em><\/p>\n

\u0110\u00f3 l\u00e0 r\u1ee7i ro th\u1ea5y r\u00f5 trong cho vay ti\u00eau d\u00f9ng nh\u01b0ng l\u1ea1i l\u00e0 m\u1ed9t \u0111i\u1ec1u b\u00ecnh th\u01b0\u1eddng v\u00ec n\u00f3 kh\u00f4ng hi\u1ebfm khi x\u1ea3y ra. Tuy nhi\u00ean, n\u1ebfu b\u00ean cho vay ph\u00e1t hi\u1ec7n b\u00ean vay c\u00f3 d\u1ea5u hi\u1ec7u t\u1ed9i ph\u1ea1m th\u00ec ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 t\u1ed1 gi\u00e1c \u0111\u1ec3 x\u1eed l\u00fd h\u00ecnh s\u1ef1\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Ng\u00e2n Giang<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014-<\/em><\/strong><\/p>\n

Infonet<\/em> (Th\u1ecb tr\u01b0\u1eddng) 16-8-2021:<\/em>
\n<\/em><\/strong>https:\/\/infonet.vietnamnet.vn\/thi-truong\/lan-dau-tien-mot-ngan-hang-cong-khai-rao-ban-ca-tram-khoan-no-tu-vay-tieu-dung-292997.html<\/em><\/a><\/p>\n

(167\/1.180)<\/em>","protected":false},"excerpt":{"rendered":"

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