{"id":8006,"date":"2020-10-16T15:44:45","date_gmt":"2020-10-16T08:44:45","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=8006"},"modified":"2022-02-22T17:20:51","modified_gmt":"2022-02-22T10:20:51","slug":"3-154-khon-kho-voi-lai-vay-cu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-154-khon-kho-voi-lai-vay-cu-2\/","title":{"rendered":"3.154. Kh\u1ed1n kh\u1ed5 v\u1edbi l\u00e3i vay c\u0169"},"content":{"rendered":"(TN) – C\u00e1c h\u1ee3p \u0111\u1ed3ng vay m\u1edbi gi\u1ea3m m\u1ea1nh l\u00e3i nh\u01b0ng nh\u1eefng kh\u00e1ch vay c\u0169 b\u1ecb k\u1eb9t l\u1ea1i v\u1edbi l\u00e3i su\u1ea5t cao do v\u01b0\u1edbng quy \u0111\u1ecbnh m\u1eadp m\u1edd.<\/p>\n

\"\"<\/p>\n

Kh\u00e1ch h\u00e0ng vay v\u1ed1n c\u1ea7n l\u01b0u \u00fd c\u00e1ch t\u00ednh l\u00e3i vay.<\/p>\n

L\u00e3i su\u1ea5t vay t\u0103ng h\u01a1n 38%<\/strong><\/p>\n

C\u00f4ng ty TNHH B\u1ec7nh vi\u1ec7n \u0110a khoa Nhi S\u00e0i G\u00f2n \u2013 chi nh\u00e1nh t\u1ea1i \u0110\u1ed3ng Nai \u0111\u00e3 c\u00f3 \u0111\u01a1n g\u1eedi b\u00e1o\u00a0Thanh Ni\u00ean<\/em>\u00a0li\u00ean quan \u0111\u1ebfn\u00a0l\u00e3i su\u1ea5t<\/a>\u00a0h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p b\u1ecb thi\u1ec7t h\u1ea1i do d\u1ecbch\u00a0Covid-19<\/a>\u00a0c\u1ee7a Ng\u00e2n h\u00e0ng TMCP Ti\u00ean Phong (TPBank). Chuy\u1ec7n l\u00e0 v\u00e0o th\u00e1ng 3.2018, C\u00f4ng ty TNHH B\u1ec7nh vi\u1ec7n \u0110a khoa Nhi S\u00e0i G\u00f2n \u2013 chi nh\u00e1nh t\u1ea1i \u0110\u1ed3ng Nai vay h\u01a1n 16,2 t\u1ec9 \u0111\u1ed3ng t\u1ea1i Ng\u00e2n h\u00e0ng TMCP Ti\u00ean Phong \u2013 chi nh\u00e1nh H\u00f9ng V\u01b0\u01a1ng (TPBank). H\u00e0ng th\u00e1ng, kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n tr\u1ea3 n\u1ee3 cho ph\u00eda ng\u00e2n h\u00e0ng. \u0110\u1ebfn khi d\u1ecbch Covid-19 b\u00f9ng ph\u00e1t, c\u00f4ng ty b\u1ecb \u1ea3nh h\u01b0\u1edfng n\u1eb7ng do doanh thu s\u1ee5t gi\u1ea3m d\u1eabn \u0111\u1ebfn thu kh\u00f4ng \u0111\u1ee7 b\u00f9 chi, kh\u1ea3 n\u0103ng chi tr\u1ea3 ti\u1ec1n n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i b\u1ecb \u1ea3nh h\u01b0\u1edfng. Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh n\u00e0y, c\u00f4ng ty l\u00e0m \u0111\u01a1n xin gia h\u1ea1n, khoanh n\u1ee3 c\u00e1c kho\u1ea3n tr\u1ea3 v\u1ed1n g\u1ed1c v\u00e0 l\u00e3i c\u1ee7a h\u1ee3p \u0111\u1ed3ng vay cho \u0111\u1ebfn khi d\u1ecbch Covid-19 ho\u00e0n to\u00e0n \u0111\u01b0\u1ee3c kh\u1ed1ng ch\u1ebf, b\u1ec7nh nh\u00e2n an t\u00e2m \u0111\u1ebfn ph\u00f2ng kh\u00e1m, ho\u1ea1t \u0111\u1ed9ng ph\u00f2ng kh\u00e1m tr\u1edf l\u1ea1i b\u00ecnh th\u01b0\u1eddng<\/p>\n

C\u0169ng v\u00e0o th\u1eddi \u0111i\u1ec3m gi\u1eefa th\u00e1ng 3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh Th\u00f4ng t\u01b0 01\/2020 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, mi\u1ec5n, gi\u1ea3m l\u00e3i, ph\u00ed, gi\u1eef nguy\u00ean nh\u00f3m n\u1ee3 nh\u1eb1m h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng ch\u1ecbu \u1ea3nh h\u01b0\u1edfng do d\u1ecbch\u00a0Covid<\/a>-19. Th\u1ebf nh\u01b0ng TPBank kh\u00f4ng \u0111\u1ed3ng \u00fd gi\u1ea3m l\u00e3i m\u00e0 ch\u1ec9 \u0111\u1ed3ng \u00fd khoanh n\u1ee3 g\u1ed1c 5 th\u00e1ng, t\u1eeb k\u1ef3 h\u1ea1n th\u00e1ng 4.2020 \u0111\u1ebfn th\u00e1ng 8.2020 v\u00e0 to\u00e0n b\u1ed9 g\u1ed1c \u0111\u1ebfn h\u1ea1n trong kho\u1ea3ng th\u1eddi gian n\u00e0y \u0111\u01b0\u1ee3c c\u1ed9ng d\u1ed3n v\u00e0 ph\u00e2n k\u1ef3 tr\u1ea3 n\u1ee3 \u0111\u1ec1u h\u00e0ng th\u00e1ng v\u00e0o c\u00e1c k\u1ef3 tr\u1ea3 n\u1ee3. Qua trao \u0111\u1ed5i, \u0111\u1ea1i di\u1ec7n c\u00f4ng ty cho bi\u1ebft th\u00eam ng\u00e2n h\u00e0ng \u0111\u00e3 t\u0103ng l\u00e3i su\u1ea5t cho vay t\u1eeb 8,8%\/n\u0103m l\u00ean 12,2%\/n\u0103m. \u0110\u00e2y l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n

Theo \u0111\u1ec1 ngh\u1ecb gi\u1ea3i ng\u00e2n ki\u00eam kh\u1ebf \u01b0\u1edbc nh\u1eadn n\u1ee3 m\u00e0 ng\u00e2n h\u00e0ng k\u00fd v\u1edbi kh\u00e1ch h\u00e0ng, l\u00e3i su\u1ea5t t\u1eeb ng\u00e0y 15.3.2020 \u0111\u1ebfn ng\u00e0y 14.3.2028 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ecbnh k\u1ef3 3 th\u00e1ng\/l\u1ea7n v\u00e0 b\u1eb1ng l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m 12 th\u00e1ng c\u1ee7a TPBank t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111i\u1ec1u ch\u1ec9nh c\u1ed9ng bi\u00ean \u0111\u1ed9 4%\/n\u0103m. Ph\u00eda C\u00f4ng ty TNHH B\u1ec7nh vi\u1ec7n \u0110a khoa Nhi S\u00e0i G\u00f2n \u2013 chi nh\u00e1nh t\u1ea1i \u0110\u1ed3ng Nai cho r\u1eb1ng b\u1ea3ng l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f4ng khai c\u1ee7a TPBank tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang kh\u00f4ng c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t 8,2%\/n\u0103m \u0111\u1ec3 c\u1ed9ng v\u1edbi bi\u00ean \u0111\u1ed9 4% ra 12,2%\/n\u0103m. Ng\u00e2n h\u00e0ng gi\u1ea3i th\u00edch bi\u1ec3u l\u00e3i su\u1ea5t d\u00e0nh ri\u00eang \u0111\u1ed1i v\u1edbi \u201cc\u00e1c t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u00e1i t\u1ee5c c\u00f3 s\u1ed1 ti\u1ec1n g\u1eedi t\u1eeb 500 t\u1ec9 \u0111\u1ed3ng tr\u1edf l\u00ean v\u00e0 cam k\u1ebft kh\u00f4ng r\u00fat tr\u01b0\u1edbc h\u1ea1n\u201d. V\u1ecb \u0111\u1ea1i di\u1ec7n c\u00f4ng ty b\u1ee9c x\u00fac: \u201cM\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng n\u00e0y d\u00e0nh ri\u00eang cho m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng r\u1ea5t nh\u1ecf v\u00e0 kh\u00f4ng c\u00f3 t\u00ednh ph\u1ed5 bi\u1ebfn. Trong khi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c hi\u1ec7n nay \u0111ang gi\u1ea3m l\u00e3i su\u1ea5t huy \u0111\u1ed9ng xu\u1ed1ng m\u1ee9c th\u1ea5p, c\u00f3 n\u01a1i 5%\/n\u0103m. Do \u0111\u00f3, ch\u00fang t\u00f4i cho r\u1eb1ng TPBank kh\u00f4ng c\u00f3 thi\u1ec7n ch\u00ed trong vi\u1ec7c h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi d\u1ecbch Covid-19\u201d.<\/p>\n

\u0110\u1ea9y l\u00e3i su\u1ea5t huy \u0111\u1ed9ng 12 th\u00e1ng cao \u0111\u1ec3 t\u00ednh l\u00e3i vay?<\/strong><\/p>\n

Theo nh\u01b0 b\u1ea3ng l\u00e3i su\u1ea5t c\u00f4ng b\u1ed1 ch\u00ednh th\u1ee9c tr\u00ean website c\u1ee7a TPBank, l\u00e3i su\u1ea5t k\u1ef3 h\u1ea1n 12 th\u00e1ng m\u00e0 nh\u00e0 b\u0103ng n\u00e0y \u0111ang huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi t\u1eeb kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n \u1edf m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m t\u1eeb 6 \u2013 6,4%\/n\u0103m: 6 th\u00e1ng t\u1eeb 5,4 \u2013 5,8%\/n\u0103m; 3 th\u00e1ng t\u1eeb 3,55 \u2013 3,65%\/n\u0103m; 1 th\u00e1ng t\u1eeb 3,55 \u2013 3,65%\/n\u0103m. Th\u1ebf nh\u01b0ng \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m th\u01b0\u1eddng l\u0129nh l\u00e3i cu\u1ed1i k\u1ef3 gi\u00e1 tr\u1ecb l\u1edbn t\u1eeb 500 t\u1ec9 \u0111\u1ed3ng k\u1ef3 h\u1ea1n 12 th\u00e1ng l\u00e0 8,2%\/n\u0103m v\u00e0 24 th\u00e1ng l\u00e0 8,6%\/n\u0103m.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p TPBank kh\u00f4ng ph\u1ea3i ngo\u1ea1i l\u1ec7, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng hi\u1ec7n nay c\u0169ng \u0111\u1ea9y l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u1edf k\u1ef3 h\u1ea1n 12 th\u00e1ng l\u00ean m\u1ee9c r\u1ea5t cao v\u1edbi \u0111i\u1ec1u ki\u1ec7n l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi v\u00e0i ch\u1ee5c \u0111\u1ebfn v\u00e0i tr\u0103m t\u1ec9 \u0111\u1ed3ng. V\u1edbi \u0111i\u1ec1u ki\u1ec7n n\u00e0y, kh\u00f4ng r\u00f5 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c l\u01b0\u1ee3ng ti\u1ec1n l\u1edbn hay kh\u00f4ng nh\u01b0ng l\u1ea1i d\u00f9ng ch\u00ednh m\u1ee9c l\u00e3i su\u1ea5t \u0111\u00f3 \u0111\u1ec3 t\u00ednh l\u00e3i vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

B\u00ecnh lu\u1eadn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/strong><\/span>\u00a0cho r\u1eb1ng khi kh\u00e1ch h\u00e0ng \u0111\u00e3 vay r\u1ed3i m\u00e0 h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh d\u1ef1a tr\u00ean l\u00e3i su\u1ea5t huy \u0111\u1ed9ng cao nh\u1ea5t, l\u00fac n\u00e0y ng\u00e2n h\u00e0ng \u0111\u1ea9y l\u00e3i huy \u0111\u1ed9ng 100% th\u00ec kh\u00e1ch h\u00e0ng c\u0169ng ph\u1ea3i ch\u1ecbu. Th\u1ebf nh\u01b0ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111\u1ec1 c\u1eadp \u1edf \u0111\u00e2y c\u00f3 th\u1ec3 hi\u1ec3u theo 2 ngh\u0129a kh\u00e1c nhau, \u0111\u00f3 l\u00e0 \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng kh\u00f4ng r\u00f5 r\u00e0ng n\u00ean theo Lu\u1eadt b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng<\/a>, B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 th\u00ec ph\u1ea3i hi\u1ec3u theo m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t, l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n kho\u1ea3ng 0,2%\/n\u0103m. C\u00e1ch hi\u1ec3u th\u1ee9 2 c\u00f4ng b\u1eb1ng h\u01a1n l\u00e0 l\u00e3i su\u1ea5t trung b\u00ecnh, ph\u1ed5 bi\u1ebfn v\u1eeba ph\u1ea3i, 6 th\u00e1ng hay 12 th\u00e1ng t\u00f9y theo k\u1ef3 h\u1ea1n cho vay. \u1ede \u0111\u00e2y kh\u00f4ng th\u1ec3 d\u1ef1a v\u00e0o l\u00e3i su\u1ea5t t\u00ednh theo s\u1ed1 ti\u1ec1n g\u1eedi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng s\u1ed1 ti\u1ec1n nhi\u1ec1u hay \u00edt, g\u1eedi nhi\u1ec1u ti\u1ec1n l\u00e3i su\u1ea5t cao v\u00e0 d\u00f9ng m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng n\u00e0y \u0111\u1ec3 t\u00ednh l\u00e3i vay cho kh\u00e1ch. \u1ede \u0111\u00e2y, ng\u00e2n h\u00e0ng \u0111\u01b0a ra m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng cao b\u1ea5t ch\u1ea5p m\u1eb7t b\u1eb1ng chung, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 th\u1ec3 hi\u1ec3u ng\u00e2n h\u00e0ng \u0111ang c\u00f3 nhu c\u1ea7u v\u1ed1n l\u1edbn nh\u01b0ng c\u0169ng c\u00f3 th\u1ec3 hi\u1ec3u l\u00e3i su\u1ea5t n\u00e0y ch\u1ec9 \u0111\u1ec3 t\u00ednh l\u00e3i vay cho kh\u00e1ch. Trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng c\u00f3 r\u1ee7i ro cao th\u00ec ng\u00e2n h\u00e0ng c\u00f3 bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t r\u1ee7i ro ch\u1ee9 kh\u00f4ng th\u1ec3 d\u00f9ng l\u00e3i su\u1ea5t vay cao nh\u01b0 v\u1eady s\u1ebd l\u00e0m cho kh\u00e1ch c\u00e0ng th\u00eam kh\u00f3 kh\u0103n.<\/p>\n

\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft: \u201cL\u00e3i su\u1ea5t \u0111\u01b0a ra bao nhi\u00eau c\u0169ng ph\u1ea3i r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3 ch\u1ee9 kh\u00f4ng th\u1ec3 m\u1eadp m\u1edd nh\u01b0 v\u1eady \u0111\u01b0\u1ee3c. Lu\u1eadt l\u1ec7 c\u00f3 h\u1ebft r\u1ed3i n\u00ean c\u1ea7n c\u00f3 nh\u1eefng gi\u1ea3i th\u00edch cho r\u00f5 r\u00e0ng nh\u1eefng quy \u0111\u1ecbnh t\u00f9 m\u00f9, kh\u00f4ng th\u1ec3 n\u00e0o \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng cao nh\u1ea5t, c\u00e1 bi\u1ec7t \u0111\u1ec3 t\u00ednh l\u00e3i cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Ch\u01b0a n\u00f3i ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i ri\u00eang cho t\u1eebng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng kh\u00e1c nhau. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i c\u00f3 \u00fd ki\u1ebfn quy \u0111\u1ecbnh v\u1ec1 bi\u1ec3u m\u1eabu h\u1ee3p \u0111\u1ed3ng, c\u01a1 ch\u1ebf \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u201d.<\/p>\n

Thanh Xu\u00e2n<\/strong><\/p>\n

—————<\/p>\n

Thanh ni\u00ean (Ng\u00e2n h\u00e0ng) 16-10-2020:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/tai-chinh-kinh-doanh\/khon-kho-voi-lai-vay-cu-1292637.html<\/em><\/a><\/p>\n

\u00a0<\/strong>(377\/1.139)<\/em><\/p>\n

\u00a0<\/em>","protected":false},"excerpt":{"rendered":"

(TN) – C\u00e1c h\u1ee3p \u0111\u1ed3ng vay m\u1edbi gi\u1ea3m m\u1ea1nh l\u00e3i nh\u01b0ng nh\u1eefng kh\u00e1ch vay c\u0169 b\u1ecb k\u1eb9t l\u1ea1i v\u1edbi l\u00e3i su\u1ea5t cao do v\u01b0\u1edbng quy \u0111\u1ecbnh m\u1eadp m\u1edd. Kh\u00e1ch h\u00e0ng vay v\u1ed1n c\u1ea7n l\u01b0u \u00fd c\u00e1ch t\u00ednh l\u00e3i vay. L\u00e3i su\u1ea5t vay t\u0103ng h\u01a1n 38% C\u00f4ng ty TNHH B\u1ec7nh vi\u1ec7n \u0110a khoa Nhi S\u00e0i G\u00f2n […]<\/p>\n","protected":false},"author":1,"featured_media":8010,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-8006","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n3.154. 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