{"id":8077,"date":"2021-03-25T10:30:13","date_gmt":"2021-03-25T03:30:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=8077"},"modified":"2022-02-24T10:08:22","modified_gmt":"2022-02-24T03:08:22","slug":"2-697-can-tinh-den-viec-pha-san-ca-nhan-de-cac-khoan-no-vay-tieu-dung-duoc-giai-quyet","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-697-can-tinh-den-viec-pha-san-ca-nhan-de-cac-khoan-no-vay-tieu-dung-duoc-giai-quyet\/","title":{"rendered":"2.697. “C\u1ea7n t\u00ednh \u0111\u1ebfn vi\u1ec7c ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ec3 c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft”"},"content":{"rendered":"

(G\u0110) – Theo chuy\u00ean gia kinh t\u1ebf, \u1edf m\u1ed9t ch\u1eebng m\u1ef1c nh\u1ea5t \u0111\u1ecbnh c\u1ea7n \u0111\u1ec3 cho ng\u01b0\u1eddi d\u00e2n g\u00e1nh ch\u1ecbu nh\u1eefng r\u1ee7i ro th\u00ec h\u1ecd m\u1edbi r\u00fat ra \u0111\u01b0\u1ee3c b\u00e0i h\u1ecdc v\u00e0 ph\u1ea3i t\u00ednh \u0111\u1ebfn vi\u1ec7c ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ec3 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft.\u00a0<\/strong><\/h4>\n

Ph\u00e1t bi\u1ec3u\u00a0t\u1ea1i T\u1ecda \u0111\u00e0m th\u01b0\u1eddng ni\u00ean l\u1ea7n th\u1ee9 5 v\u1ec1 l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1edbi ch\u1ee7 \u0111\u1ec1 \u201cT\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u2013 S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n\u201d khi\u00a0\u0111\u00e1nh gi\u00e1 v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en hay kh\u00f4ng, Chuy\u00ean gia kinh t\u1ebf Phan \u0110\u1ee9c Hi\u1ebfu – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Qu\u1ea3n l\u00fd Kinh t\u1ebf Trung \u01b0\u01a1ng (CIEM) cho r\u1eb1ng th\u1ecb tr\u01b0\u1eddng n\u00e0y c\u00f3 th\u1ec3 c\u00f3 li\u00ean quan nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1ec3 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en.<\/p>\n

\"\"<\/p>\n

\u00a0T\u1ecda \u0111\u00e0m th\u01b0\u1eddng ni\u00ean l\u1ea7n th\u1ee9 5 v\u1ec1 l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1edbi ch\u1ee7 \u0111\u1ec1 \u201cT\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u2013 S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n\u201d.<\/em><\/p>\n

“T\u00edn d\u1ee5ng \u0111en cho vay \u1edf ho\u00e0n c\u1ea3nh v\u00e0 m\u1ee5c ti\u00eau r\u1ea5t kh\u00e1c bi\u1ec7t nh\u01b0 vay m\u01b0\u1ee3n \u0111\u1ec3 \u0111\u00e1nh c\u1edd b\u1ea1c…. c\u00f2n vi\u1ec7c l\u1ea1m d\u1ee5ng m\u00f4 h\u00ecnh n\u00e0y \u0111\u1ec3 cho vay t\u00edn d\u1ee5ng \u0111en c\u0169ng s\u1ebd kh\u00e1c”, \u00f4ng Hi\u1ebfu n\u00f3i.<\/p>\n

V\u1ec1 \u00fd ngh\u0129a v\u00e0 l\u1ee3i \u00edch c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, tr\u00ean th\u1ef1c t\u1ebf\u00a0 ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 c\u00f3 nhu c\u1ea7u t\u1eeb r\u1ea5t l\u00e2u nh\u01b0ng kh\u00f4ng c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn. Hi\u1ec7n nay, nhi\u1ec1u qu\u1ed1c gia th\u1ed1ng k\u00ea s\u1ed1 li\u1ec7u th\u1ecb tr\u01b0\u1eddng n\u00e0y h\u00e0ng ng\u00e0y, h\u00e0ng tu\u1ea7n \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh n\u1ec1n kinh t\u1ebf, th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t.<\/p>\n

“So v\u1edbi t\u00e0i ch\u00ednh th\u00f4ng th\u01b0\u1eddng, vi\u1ec7c cho vay n\u00e0y c\u00f3 r\u1ea5t nhi\u1ec1u thu\u1eadn l\u1ee3i c\u1ea3 v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c, t\u00e2m l\u00fd v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ea3o \u0111\u1ea3m v\u1ec1 t\u00e0i s\u1ea3n khi cho vay. Do \u0111\u00f3, t\u1ea5t c\u1ea3 c\u00e1c ti\u00eau ch\u00ed \u0111\u1ec3 ph\u00e2n bi\u1ec7t t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1edbi t\u00edn d\u1ee5ng ch\u1ec9 l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i”, \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu n\u00eau quan \u0111i\u1ec3m.<\/p>\n

Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Qu\u1ea3n l\u00fd Kinh t\u1ebf Trung \u01b0\u01a1ng cho r\u1eb1ng ch\u1ec9 c\u1ea7n \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng n\u00e0y ph\u00e1t tri\u1ec3n t\u1ef1 nhi\u00ean theo nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng l\u00e0 th\u00e0nh c\u00f4ng.<\/p>\n

\"\"<\/p>\n

Chuy\u00ean gia kinh t\u1ebf Phan \u0110\u1ee9c Hi\u1ebfu – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Qu\u1ea3n l\u00fd Kinh t\u1ebf Trung \u01b0\u01a1ng (CIEM).<\/em><\/p>\n

\u00d4ng cho r\u1eb1ng b\u1ea5t k\u1ec3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o c\u0169ng c\u00f3 r\u1ee7i ro, nh\u00e0 n\u01b0\u1edbc kh\u00f4ng th\u1ec3 ng\u0103n ch\u1eb7n tuy\u1ec7t \u0111\u1ed1i r\u1ee7i ro n\u00e0y v\u00ec ph\u1ea3i ch\u1ea5p nh\u1eadn m\u1ed9t m\u1ee9c \u0111\u1ed9 r\u1ee7i ro nh\u1ea5t \u0111\u1ecbnh. B\u00ean c\u1ea1nh r\u1ee7i ro c\u1ee7a c\u00e1 nh\u00e2n th\u00ec c\u00f2n c\u00f3 r\u1ee7i ro c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

T\u1eeb nh\u1eefng ph\u00e2n t\u00edch c\u00e1c r\u1ee7i ro tr\u00ean, \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu \u0111\u01b0a ra 2 ki\u1ebfn ngh\u1ecb \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c n\u00e0y g\u1ed3m b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 b\u1ea3o v\u1ec7 t\u1ed5 ch\u1ee9c cho vay t\u00edn d\u1ee5ng.<\/p>\n

Th\u1ee9 nh\u1ea5t, \u0111\u1ed1i v\u1edbi vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n n\u00e2ng cao nh\u1eadn th\u1ee9c ng\u01b0\u1eddi d\u00e2n l\u00e0 r\u1ea5t quan tr\u1ecdng. Tuy nhi\u00ean, \u1edf m\u1ed9t ch\u1eebng m\u1ef1c n\u00e0o \u0111\u00f3 c\u0169ng ph\u1ea3i \u0111\u1ec3 cho ng\u01b0\u1eddi d\u00e2n g\u00e1nh ch\u1ecbu nh\u1eefng r\u1ee7i ro nh\u1ea5t \u0111\u1ecbnh th\u00ec h\u1ecd m\u1edbi r\u00fat ra \u0111\u01b0\u1ee3c b\u00e0i h\u1ecdc cho m\u00ecnh. “Ngo\u00e0i ra, c\u0169ng c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn vi\u1ec7c ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ec3 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft”, \u00f4ng Hi\u1ebfu n\u00f3i.<\/p>\n

Th\u1ee9 hai, \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u1ed5 ch\u1ee9c cho vay, v\u1ea5n \u0111\u1ec1 tranh ch\u1ea5p k\u00e9o d\u00e0i 2-3 n\u0103m, nhi\u1ec1u n\u0103m ho\u1eb7c kh\u00f4ng c\u00f3 c\u01a1 h\u1ed9i gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 nhanh g\u1ecdn s\u1ebd l\u00e0 r\u00e0o c\u1ea3n l\u1edbn nh\u1ea5t \u0111\u1ec3 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng n\u00e0y.<\/p>\n

“N\u1ebfu ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec c\u0169ng c\u1ea7n ph\u1ea3i c\u00f3 h\u1ec7 th\u1ed1ng ri\u00eang \u0111\u1ec3 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p \u0111\u1ea5y m\u1ed9t c\u00e1ch v\u0103n minh, nhanh g\u1ecdn, c\u00f4ng b\u1eb1ng \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho c\u1ea3 hai b\u00ean”, \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu \u0111\u1ec1 xu\u1ea5t.<\/p>\n

\"\"<\/p>\n

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

Trong khi \u0111\u00f3, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI th\u00ec cho r\u1eb1ng trong 10 n\u0103m qua, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n r\u1ea5t m\u1ea1nh, nh\u01b0ng h\u00e0nh lang ph\u00e1p l\u00fd th\u00ec kh\u00f4ng thay \u0111\u1ed5i nhi\u1ec1u, n\u00ean \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n c\u1ea3n tr\u1edf ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/em><\/p>\n

\u0110\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en hi\u1ec7n nay, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh 90% c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay b\u00ean ngo\u00e0i l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p, tr\u00e1 h\u00ecnh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 l\u00e0 nguy c\u01a1 tr\u1edf th\u00e0nh t\u00edn d\u1ee5ng \u0111en.<\/em><\/p>\n

“Theo \u0111\u1ecbnh ngh\u0129a c\u1ee7a c\u00e1 nh\u00e2n t\u00f4i, t\u00edn d\u1ee5ng \u0111en c\u00f3 3 d\u1ea5u hi\u1ec7u ch\u00ednh l\u00e0 cho vay b\u1ea5t h\u1ee3p ph\u00e1p, l\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p v\u00e0 thu h\u1ed3i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p. \u00cdt nh\u1ea5t 2\/3 \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3 m\u1edbi l\u00e0 t\u00edn d\u1ee5ng \u0111en v\u00e0 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 c\u00e1c y\u1ebfu t\u1ed1 \u0111\u1ea5y v\u00e0 kh\u00f4ng th\u1ec3 quy k\u1ebft l\u00e0 t\u00edn d\u1ee5ng \u0111en \u0111\u01b0\u1ee3c”, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n

H.Nam<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/em><\/strong><\/p>\n

Gia \u0111\u00ecnh (Ti\u00eau d\u00f9ng) 25-3-2021:<\/em><\/p>\n

https:\/\/giadinhvietnam.com\/can-tinh-den-viec-pha-san-ca-nhan-de-cac-khoan-no-vay-tieu-dung-duoc-giai-quyet-d167933.html<\/em><\/a><\/p>\n

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

(G\u0110) – Theo chuy\u00ean gia kinh t\u1ebf, \u1edf m\u1ed9t ch\u1eebng m\u1ef1c nh\u1ea5t \u0111\u1ecbnh c\u1ea7n \u0111\u1ec3 cho ng\u01b0\u1eddi d\u00e2n g\u00e1nh ch\u1ecbu nh\u1eefng r\u1ee7i ro th\u00ec h\u1ecd m\u1edbi r\u00fat ra \u0111\u01b0\u1ee3c b\u00e0i h\u1ecdc v\u00e0 ph\u1ea3i t\u00ednh \u0111\u1ebfn vi\u1ec7c ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ec3 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft.\u00a0 Ph\u00e1t bi\u1ec3u\u00a0t\u1ea1i T\u1ecda \u0111\u00e0m th\u01b0\u1eddng ni\u00ean l\u1ea7n th\u1ee9 […]<\/p>\n","protected":false},"author":1,"featured_media":8079,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-8077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.697. 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