{"id":8710,"date":"2021-05-19T21:22:57","date_gmt":"2021-05-19T14:22:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=8710"},"modified":"2022-02-24T21:31:10","modified_gmt":"2022-02-24T14:31:10","slug":"3-351-rao-ban-no-cho-vay-tieu-dung-co-kha-thi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-351-rao-ban-no-cho-vay-tieu-dung-co-kha-thi\/","title":{"rendered":"3.351. Rao b\u00e1n n\u1ee3 cho vay ti\u00eau d\u00f9ng, c\u00f3 kh\u1ea3 thi?"},"content":{"rendered":"(N\u0110T) – M\u1ed9t ng\u00e2n h\u00e0ng \u0111ang rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ti\u00eau d\u00f9ng \u0111\u1ec3 thu h\u1ed3i n\u1ee3. \u0110\u00e1ng ch\u00fa \u00fd, kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, gi\u00e1 kh\u1edfi \u0111i\u1ec3m b\u1eb1ng gi\u00e1 ghi s\u1ed5 c\u1ee7a kho\u1ea3n n\u1ee3. Theo c\u00e1c chuy\u00ean gia, \u0111\u00e2y l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng l\u1ea1 v\u00e0 c\u0169ng ch\u1ec9 m\u1edbi xu\u1ea5t hi\u1ec7n trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam.\u00a0<\/strong><\/p>\n

M\u1ed9t ng\u00e2n h\u00e0ng \u0111ang th\u00f4ng b\u00e1o b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng \u0111\u1ec3 thu h\u1ed3i n\u1ee3. \u0110\u00e2y l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng c\u00f3 ngh\u0129a v\u1ee5 thanh to\u00e1n cho ng\u00e2n h\u00e0ng theo c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd.<\/p>\n

Ch\u00edn kho\u1ea3n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng n\u00eau tr\u00ean rao b\u00e1n c\u00f3 gi\u00e1 tr\u1ecb kh\u00f4ng l\u1edbn, ch\u1ec9 t\u1eeb 3 – 16 tri\u1ec7u\/\u0111\u1ed3ng\/1 kho\u1ea3n n\u1ee3, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. T\u1ed5ng gi\u00e1 tr\u1ecb c\u1ea3 9 kho\u1ea3n n\u1ee3 m\u1edbi \u0111\u1ea1t h\u01a1n 75,5 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

Ph\u01b0\u01a1ng th\u1ee9c b\u00e1n l\u00e0 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. Ng\u00e2n h\u00e0ng 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. Gi\u00e1 kh\u1edfi \u0111i\u1ec3m kh\u00f4ng bao g\u1ed3m c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn vi\u1ec7c chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu\/s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c (n\u1ebfu c\u00f3) khi th\u1ef1c hi\u1ec7n mua kho\u1ea3n n\u1ee3. C\u00e1c chi ph\u00ed n\u00e0y do ng\u01b0\u1eddi tr\u00fang \u0111\u1ea5u gi\u00e1 ch\u1ecbu. V\u00e0 ti\u1ec1n \u0111\u1eb7t c\u1ecdc tr\u01b0\u1edbc c\u0169ng b\u1eb1ng \u0111\u00fang gi\u00e1 b\u00e1n kh\u1edfi \u0111i\u1ec3m c\u1ee7a kho\u1ea3n n\u1ee3.<\/p>\n

\"\"<\/p>\n

Th\u00f4ng b\u00e1o b\u00e1n n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng.<\/em><\/p>\n

S\u1ebd kh\u00f4ng c\u00f3 qu\u00e1 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 ph\u1ea3i l\u01b0u \u00fd n\u1ebfu \u0111\u00e2y l\u00e0 ho\u1ea1t \u0111\u1ed9ng rao b\u00e1n n\u1ee3 x\u1ea5u, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o th\u00f4ng th\u01b0\u1eddng m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i trong kho\u1ea3ng 3 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y v\u1eabn l\u00e0m. Tuy nhi\u00ean, th\u00f4ng tin n\u00e0y l\u1ea1i \u0111\u00e1ng l\u01b0u \u00fd khi \u0111\u00e2y l\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ti\u00eau d\u00f9ng ki\u1ec3u n\u00e0y v\u00e0 kh\u00f4ng lo\u1ea1i tr\u1eeb kh\u1ea3 n\u0103ng s\u1ebd m\u1edf \u0111\u01b0\u1eddng cho m\u1ed9t xu h\u01b0\u1edbng m\u1edbi c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng khi rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. V\u00e0 n\u1ee3 b\u00e1n c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i ch\u1ec9 n\u1ee3 x\u1ea5u m\u00e0 l\u00e0 c\u1ea3 n\u1ee3 t\u1ed1t.<\/p>\n

Th\u1ef1c t\u1ebf vi\u1ec7c b\u00e1n n\u1ee3 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng cho nhau \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n l\u00e0 kh\u00f4ng m\u1edbi. TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh cho bi\u1ebft, \u1edf M\u1ef9 r\u1ea5t ph\u1ed5 bi\u1ebfn h\u00ecnh th\u1ee9c ng\u00e2n h\u00e0ng b\u00e1n n\u1ee3 cho nhau. Khi m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea1t tr\u1ea7n c\u1ea5p t\u00edn d\u1ee5ng, h\u1ecd s\u1ebd b\u00e1n c\u1ea3 n\u1ee3 x\u1ea5u v\u00e0 n\u1ee3 t\u1ed1t cho ng\u00e2n h\u00e0ng n\u00e0o c\u1ea7n t\u0103ng t\u00edn d\u1ee5ng.<\/p>\n

“Vi\u1ec7t Nam th\u00ec ch\u01b0a c\u00f3 th\u00f4ng l\u1ec7 v\u1ec1 b\u00e1n n\u1ee3 t\u1ed1t n\u00ean tr\u01b0\u1eddng h\u1ee3p nh\u01b0 ng\u00e2n h\u00e0ng tr\u00ean rao b\u00e1n kho\u1ea3n n\u1ee3 cho vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 th\u1ea5y kh\u00e1 l\u1ea1. M\u1ed9t l\u00e0 h\u1ecd nh\u00ecn th\u1ea5y r\u1ee7i ro v\u1ec1 m\u00f3n n\u1ee3 c\u00e1 nh\u00e2n v\u00e0 mu\u1ed1n b\u00e1n \u0111i \u0111\u1ec3 b\u1edbt r\u1ee7i ro. Tuy nhi\u00ean, th\u00f4ng th\u01b0\u1eddng, khi b\u00e1n nh\u1eefng kho\u1ea3n n\u1ee3 nh\u01b0 v\u1eady s\u1ebd ph\u1ea3i c\u00f3 t\u1ef7 l\u1ec7 chi\u1ebft kh\u1ea5u nh\u1ea5t \u0111\u1ecbnh, c\u00f3 khi l\u00e0 r\u1ea5t cao. Nh\u01b0ng trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u00e2n h\u00e0ng gi\u1eef nguy\u00ean gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch th\u00ec g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3 l\u00fd gi\u1ea3i \u0111\u01b0\u1ee3c “ai s\u1ebd mua kho\u1ea3n n\u1ee3 nh\u01b0 v\u1eady?”, \u00f4ng Hi\u1ebfu \u0111\u1eb7t v\u1ea5n \u0111\u1ec1.<\/p>\n

\"\"<\/p>\n

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

V\u1edbi kinh nghi\u1ec7m nhi\u1ec1u n\u0103m trong l\u0129nh v\u1ef1c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c trao \u0111\u1ed5i v\u1edbi\u00a0<\/em>Nhadautu.vn<\/em><\/strong><\/a>c\u0169ng b\u00e0y t\u1ecf s\u1ef1 kh\u00f3 hi\u1ec3u khi ng\u00e2n h\u00e0ng n\u00e0y l\u1ea1i c\u00f3 th\u1ec3 k\u1ef3 v\u1ecdng “b\u00e1n \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n n\u1ee3 x\u1ea5u kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o m\u00e0 l\u1ea1i nguy\u00ean gi\u00e1 s\u1ed5 s\u00e1ch”. N\u1ebfu c\u00f3 th\u1ec3 \u0111\u00f2i m\u1ed9t kho\u1ea3n n\u1ee3 nguy\u00ean gi\u00e1 n\u1ee3 g\u1ed1c, l\u00e3i, l\u00e3i ph\u1ea1t th\u00ec \u0111\u00e2u c\u00f2n g\u1ecdi l\u00e0 “n\u1ee3 x\u1ea5u” \u0111\u1ec3 ph\u1ea3i b\u00e1n?<\/em><\/p>\n

Th\u1ef1c t\u1ebf trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u, ngay c\u1ea3 b\u00e1n nh\u1eefng kho\u1ea3n n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o th\u00ec c\u0169ng ch\u1ec9 b\u00e1n \u0111\u01b0\u1ee3c v\u1edbi m\u1ee9c gi\u00e1 b\u1eb1ng 50-70%. V\u00ec \u0111\u01a1n v\u1ecb mua n\u1ee3 c\u00f2n ph\u1ea3i t\u00ednh to\u00e1n chi ph\u00ed, l\u1ee3i nhu\u1eadn sau khi mua kho\u1ea3n n\u1ee3 \u0111\u00f3. M\u1ed9t trong nh\u1eefng v\u01b0\u1edbng m\u1eafc l\u1edbn nh\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng n\u00eau tr\u00ean c\u00f3 th\u1ec3 l\u00e0 v\u00ec thu\u1ed9c nh\u00f3m NHTM nh\u00e0 n\u01b0\u1edbc n\u00ean ban \u0111\u1ea7u h\u1ecd bu\u1ed9c ph\u1ea3i rao b\u00e1n nguy\u00ean gi\u00e1 kho\u1ea3n n\u1ee3 v\u00ec lo ng\u1ea1i m\u1ea5t v\u1ed1n nh\u00e0 n\u01b0\u1edbc. Nh\u01b0ng sau \u0111\u00f3 c\u00f3 th\u1ec3 h\u1ea1 gi\u00e1 sau m\u1ed7i l\u1ea7n \u0111\u1ea5u gi\u00e1 kh\u00f4ng th\u00e0nh c\u00f4ng.<\/em><\/p>\n

V\u1ec1 vi\u1ec7c “ai c\u00f3 th\u1ec3 mua nh\u1eefng kho\u1ea3n n\u1ee3 n\u00eau tr\u00ean?” \u00f4ng \u0110\u1ee9c cho bi\u1ebft: “Ai c\u0169ng c\u00f3 th\u1ec3 mua. Lu\u1eadt ch\u1ec9 c\u1ea5m \u0111\u00f2i n\u1ee3 thu\u00ea ch\u1ee9 kh\u00f4ng c\u1ea5m t\u1ef1 \u0111i \u0111\u00f2i n\u1ee3 cho m\u00ecnh. Ngh\u0129a l\u00e0, khi ng\u00e2n h\u00e0ng b\u00e1n n\u1ee3 l\u00e0 \u0111ang b\u00e1n quy\u1ec1n \u0111\u00f2i n\u1ee3, quy\u1ec1n v\u1edbi t\u00e0i s\u1ea3n l\u00e0 kho\u1ea3n n\u1ee3. N\u00ean khi mua l\u1ea1i n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng, ng\u01b0\u1eddi mua s\u1ebd c\u00f3 quy\u1ec1n nh\u01b0 ng\u00e2n h\u00e0ng l\u00e0 \u0111\u01b0\u1ee3c \u0111\u00f2i kho\u1ea3n n\u1ee3 \u0111\u00f3 theo gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch”, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Tuy nhi\u00ean, \u00f4ng \u0110\u1ee9c c\u0169ng chia s\u1ebb b\u0103n kho\u0103n, kh\u00f4ng ai t\u1ef1 d\u01b0ng l\u1ea1i \u0111i “r\u01b0\u1edbc n\u1ee3 v\u00e0o m\u00ecnh”, mua m\u1ed9t kho\u1ea3n n\u1ee3 r\u1ed3i \u0111i \u0111\u00f2i n\u00f3 m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c g\u00ec v\u00e0 kh\u00f4ng ph\u1ea3i m\u1ed9t c\u00e1 nh\u00e2n b\u00ecnh th\u01b0\u1eddng n\u00e0o c\u0169ng c\u00f3 th\u1ec3 \u0111i \u0111\u00f2i n\u1ee3 m\u1ed9t ng\u01b0\u1eddi “l\u1ea1”. N\u00ean Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u1eb7t gi\u1ea3 thi\u1ebft, vi\u1ec7c rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 tr\u00ean ch\u1ec9 l\u00e0 m\u1ed9t c\u00e1ch “l\u00e1ch” c\u1ee7a d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 thu\u00ea khi d\u1ecbch v\u1ee5 n\u00e0y \u0111\u00e3 b\u1ecb c\u1ea5m. H\u1ea7u h\u1ebft c\u00e1c\u00a0c\u00f4ng ty \u0111\u00f2i n\u1ee3 thu\u00ea sau khi Lu\u1eadt \u0110\u1ea7u t\u01b0 2020 c\u00f3 hi\u1ec7u l\u1ef1c kh\u00f4ng gi\u1ea3i th\u1ec3 m\u00e0 ch\u1ec9 chuy\u1ec3n \u0111\u1ed5i ho\u1ea1t \u0111\u1ed9ng sang mua b\u00e1n n\u1ee3 \u0111\u1ec3 h\u1ee3p ph\u00e1p ho\u00e1.<\/em><\/p>\n

C\u00f2n v\u1ec1 gi\u00e1 ch\u00e0o b\u00e1n c\u1ee7a c\u00e1c kho\u1ea3n n\u1ee3 n\u00eau tr\u00ean, \u00f4ng \u0110\u1ee9c c\u0169ng cho r\u1eb1ng, n\u1ebfu qu\u1ea3 l\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 b\u00e1n v\u1edbi m\u1ee9c gi\u00e1 \u0111\u00f3 th\u00ec \u0111\u00e2y r\u1ea5t c\u00f3 th\u1ec3 c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t chi\u00eau th\u1ee9c c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 chuy\u1ec3n n\u1ee3 t\u1eeb “tay n\u1ecd sang tay kia”, t\u1eeb ng\u00e2n h\u00e0ng sang doanh nghi\u1ec7p kh\u00e1c \u0111\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t m\u1ee5c ti\u00eau n\u00e0o \u0111\u00f3 nh\u01b0 \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng hay m\u1ed9t s\u1ed1 ch\u1ec9 ti\u00eau theo quy \u0111\u1ecbnh. Tuy nhi\u00ean, d\u00f9 nh\u00ecn t\u1eeb g\u00f3c \u0111\u1ed9 n\u00e0o \u00f4ng \u0110\u1ee9c c\u0169ng cho r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng n\u00e0y l\u00e0 ch\u01b0a c\u00f3 ti\u1ec1n l\u1ec7 t\u1ea1i Vi\u1ec7t Nam v\u00e0 l\u00e0 m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng “b\u1ea5t th\u01b0\u1eddng”.<\/em><\/p>\n

N.Thoan<\/strong><\/p>\n

\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 (T\u00e0i ch\u00ednh) 19-5-2021:<\/em><\/strong><\/p>\n

https:\/\/nhadautu.vn\/rao-ban-no-cho-vay-tieu-dung-co-kha-thi-d52098.html<\/em><\/a><\/p>\n

 <\/p>\n

(509\/1.068)<\/em>","protected":false},"excerpt":{"rendered":"

(N\u0110T) – M\u1ed9t ng\u00e2n h\u00e0ng \u0111ang rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ti\u00eau d\u00f9ng \u0111\u1ec3 thu h\u1ed3i n\u1ee3. \u0110\u00e1ng ch\u00fa \u00fd, kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, gi\u00e1 kh\u1edfi \u0111i\u1ec3m b\u1eb1ng gi\u00e1 ghi s\u1ed5 c\u1ee7a kho\u1ea3n n\u1ee3. Theo c\u00e1c chuy\u00ean gia, \u0111\u00e2y l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng l\u1ea1 v\u00e0 c\u0169ng ch\u1ec9 m\u1edbi xu\u1ea5t hi\u1ec7n trong h\u1ec7 […]<\/p>\n","protected":false},"author":7,"featured_media":7014,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-8710","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n3.351. 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