{"id":8755,"date":"2021-05-26T22:15:51","date_gmt":"2021-05-26T15:15:51","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=8755"},"modified":"2022-02-24T22:18:16","modified_gmt":"2022-02-24T15:18:16","slug":"3-364-lan-dau-tien-ngan-hang-ban-no-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-364-lan-dau-tien-ngan-hang-ban-no-vay-tieu-dung\/","title":{"rendered":"3.364. L\u1ea7n \u0111\u1ea7u ti\u00ean ng\u00e2n h\u00e0ng b\u00e1n n\u1ee3 vay ti\u00eau d\u00f9ng."},"content":{"rendered":"(NL\u0110) – M\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1eeba rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, kh\u00f4ng h\u1ea1 gi\u00e1\u2026<\/strong><\/p>\n

Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, vi\u1ec7c mua b\u00e1n kho\u1ea3n n\u1ee3\u00a0vay ti\u00eau d\u00f9ng<\/a>\u00a0c\u1ee7a ng\u00e2n h\u00e0ng (NH) th\u01b0\u01a1ng m\u1ea1i n\u1ebfu su\u00f4n s\u1ebb v\u00e0 di\u1ec5n ra th\u01b0\u1eddng xuy\u00ean c\u00f3 th\u1ec3 k\u00edch th\u00edch th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 \u1edf ph\u00e2n kh\u00fac n\u00e0y.<\/p>\n

Ch\u01b0a ph\u1ea3i n\u1ee3 x\u1ea5u c\u0169ng b\u00e1n<\/strong><\/p>\n

NH TMCP C\u00f4ng Th\u01b0\u01a1ng Vi\u1ec7t Nam (Vietinbank) v\u1eeba rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng \u0111\u1ec3 thu h\u1ed3i n\u1ee3.<\/p>\n

C\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng c\u1ee7a nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u1edbi nh\u1eefng m\u00f3n vay nh\u1ecf, gi\u00e1 tr\u1ecb t\u1eeb 1,68 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn 17,58 tri\u1ec7u \u0111\u1ed3ng. Gi\u00e1 tr\u1ecb ghi s\u1ed5 kho\u1ea3n n\u1ee3 g\u1ed3m ti\u1ec1n g\u1ed1c, l\u00e3i v\u00e0 l\u00e3i ph\u1ea1t.<\/p>\n

\u0110\u00e1ng l\u01b0u \u00fd, c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng n\u00e0y kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 gi\u00e1 b\u00e1n kh\u1edfi \u0111i\u1ec3m b\u1eb1ng \u0111\u00fang v\u1edbi gi\u00e1 tr\u1ecb ghi s\u1ed5. NH c\u0169ng y\u00eau c\u1ea7n ti\u1ec1n \u0111\u1eb7t tr\u01b0\u1edbc c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u mua kho\u1ea3n n\u1ee3 b\u1eb1ng \u0111\u00fang v\u1edbi gi\u00e1 b\u00e1n kh\u1edfi \u0111i\u1ec3m. T\u1ed5ng gi\u00e1 tr\u1ecb c\u1ee7a 9 kho\u1ea3n n\u1ee3 n\u00e0y ch\u01b0a t\u1edbi 100 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

\"\"<\/p>\n

Giao d\u1ecbch t\u1ea1i Vietinbank .\u1ea2nh: T\u1ea4N TH\u1ea0NH<\/em><\/p>\n

Th\u00f4ng tin n\u00e0y g\u00e2y b\u1ea5t ng\u1edd tr\u00ean th\u1ecb tr\u01b0\u1eddng, b\u1edfi rao b\u00e1n kho\u1ea3n n\u1ee3 \u0111\u1ec3 x\u1eed l\u00fd, thu h\u1ed3i n\u1ee3 vay, n\u1ee3 x\u1ea5u l\u00e0 nghi\u1ec7p v\u1ee5 b\u00ecnh th\u01b0\u1eddng c\u1ee7a c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i. Tuy nhi\u00ean, c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng rao b\u00e1n kho\u1ea3n n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb, nh\u00e0 x\u01b0\u1edfng, \u00f4t\u00f4\u2026, trong khi rao b\u00e1n kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 kh\u00e1 m\u1edbi m\u1ebb.<\/p>\n

Ch\u01b0a k\u1ec3, Vietinbank y\u00eau c\u1ea7u 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 b\u00e1n kho\u1ea3n n\u1ee3, c\u00e1c chi ph\u00ed n\u00e0y do ng\u01b0\u1eddi tr\u00fang \u0111\u1ea5u gi\u00e1 ch\u1ecbu\u2026 Ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 mua t\u1eebng kho\u1ea3n ho\u1eb7c mua t\u1ea5t c\u1ea3 kho\u1ea3n n\u1ee3.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean B\u00e1o Ng\u01b0\u1eddi Lao \u0110\u1ed9ng, \u0111\u1ea1i di\u1ec7n Vietinbank cho bi\u1ebft rao b\u00e1n kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t trong nh\u1eefng nghi\u1ec7p v\u1ee5 b\u00ecnh th\u01b0\u1eddng c\u1ee7a NH theo quy \u0111\u1ecbnh \u0111\u1ec3 x\u1eed l\u00fd, thu h\u1ed3i n\u1ee3. C\u00f3 nh\u1eefng kho\u1ea3n n\u1ee3 ch\u01b0a x\u1ea5u nh\u01b0ng NH c\u00f3 nhu c\u1ea7u v\u1eabn \u0111\u01b0\u1ee3c rao b\u00e1n.<\/p>\n

“C\u00f3 th\u1ec3 \u0111\u00e2y l\u00e0 l\u1ea7n \u0111\u1ea7u NH rao b\u00e1n v\u1edbi th\u00f4ng tin c\u00f4ng khai n\u00ean thu h\u00fat s\u1ef1 ch\u00fa \u00fd c\u1ee7a th\u1ecb tr\u01b0\u1eddng. Ch\u00fang t\u00f4i s\u1ebd ti\u1ebfp t\u1ee5c b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 t\u01b0\u01a1ng t\u1ef1. V\u1ec1 gi\u00e1 b\u00e1n kh\u1edfi \u0111i\u1ec3m b\u1eb1ng gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch l\u00e0 mong mu\u1ed1n c\u1ee7a NH thu h\u1ed3i n\u1ee3, trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng b\u00e1n \u0111\u01b0\u1ee3c, NH s\u1ebd t\u00ednh to\u00e1n \u0111\u1ec3 h\u1ea1 gi\u00e1 nh\u1eefng l\u1ea7n ti\u1ebfp theo” – \u0111\u1ea1i di\u1ec7n Vietinbank n\u00f3i.<\/p>\n

\u0110\u1ea1i di\u1ec7n C\u00f4ng ty T\u00e0i ch\u00ednh Fe Credit cho bi\u1ebft vi\u1ec7c rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng theo quy \u0111\u1ecbnh c\u0169ng \u0111\u01b0\u1ee3c doanh nghi\u1ec7p th\u1ef1c hi\u1ec7n th\u01b0\u1eddng xuy\u00ean. \u0110\u00e2y l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3. Khi c\u00f3 nhu c\u1ea7u thu h\u1ed3i v\u1ed1n cho ho\u1ea1t \u0111\u1ed9ng kinh doanh, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd rao b\u00e1n kho\u1ea3n n\u1ee3 vay. D\u00f9 v\u1eady, th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 \u1edf ph\u00e2n kh\u00fac n\u00e0y ch\u01b0a th\u1eadt s\u1ef1 nh\u1ed9n nh\u1ecbp.<\/p>\n

G\u00f3p ph\u1ea7n x\u1eed l\u00fd n\u1ee3 x\u1ea5u<\/strong><\/p>\n

D\u01b0\u1edbi g\u00f3c nh\u00ecn c\u1ee7a chuy\u00ean gia t\u00e0i ch\u00ednh, TS Hu\u1ef3nh Trung Minh nh\u1eadn \u0111\u1ecbnh t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a ph\u00e2n kh\u00fac vay ti\u00eau d\u00f9ng theo quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c ph\u00e9p cao h\u01a1n so v\u1edbi nh\u1eefng ph\u00e2n kh\u00fac kh\u00e1c. Nh\u01b0ng th\u1ef1c t\u1ebf, v\u1edbi nh\u1eefng kho\u1ea3n vay ti\u00eau d\u00f9ng nh\u01b0 mua h\u00e0ng tr\u1ea3 g\u00f3p ho\u1eb7c vay ti\u00eau d\u00f9ng nh\u1ecf l\u1ebb, kh\u00e1ch h\u00e0ng th\u01b0\u1eddng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n v\u00e0 n\u1ee3 x\u1ea5u r\u1ea5t th\u1ea5p.<\/p>\n

“Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, vi\u1ec7c NH rao b\u00e1n kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng s\u1ebd kh\u1ea3 thi v\u00ec ng\u01b0\u1eddi mua l\u1ea1i kho\u1ea3n n\u1ee3 \u0111\u00e3 c\u00f3 \u0111\u1ecba ch\u1ec9, th\u00f4ng tin r\u00f5 r\u00e0ng c\u1ee7a ng\u01b0\u1eddi vay\u2026, kh\u1ea3 n\u0103ng \u0111\u00f2i \u0111\u01b0\u1ee3c n\u1ee3 r\u1ea5t cao. \u0110\u1ed3ng th\u1eddi, ng\u01b0\u1eddi mua n\u1ee3 s\u1ebd \u0111\u01b0\u1ee3c nhi\u1ec1u h\u01a1n l\u00e0 c\u01a1 s\u1edf d\u1eef li\u1ec7u, th\u00f4ng tin v\u1ec1 kh\u00e1ch h\u00e0ng. Nh\u01b0 \u1edf n\u01b0\u1edbc ngo\u00e0i, c\u00f3 ph\u00e2n kh\u00fac “t\u00e1i c\u1ea5p” c\u0169ng kh\u00e1 nh\u1ed9n nh\u1ecbp, t\u1ee9c cho vay l\u1ea1i \u0111\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng \u0111ang m\u1eafc n\u1ee3 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 trong t\u01b0\u01a1ng lai” – TS Hu\u1ef3nh Trung Minh ph\u00e2n t\u00edch.<\/p>\n

\u1ede g\u00f3c nh\u00ecn kh\u00e1c, chuy\u00ean gia t\u00e0i ch\u00ednh, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng vi\u1ec7c rao b\u00e1n kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng nguy\u00ean gi\u00e1 n\u1ee3 g\u1ed1c, l\u00e3i v\u00e0 l\u00e3i ph\u1ea1t l\u00e0 kh\u00f4ng d\u1ec5. B\u1edfi trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u, ngay c\u1ea3 kho\u1ea3n n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, c\u00e1c NH c\u0169ng ch\u1ec9 b\u00e1n \u0111\u01b0\u1ee3c v\u1edbi m\u1ee9c gi\u00e1 b\u1eb1ng 50%-70%. \u0110\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\u2026<\/em><\/p>\n

“Ai c\u0169ng c\u00f3 th\u1ec3 mua kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng, v\u00ec 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, ng\u01b0\u1eddi mua l\u1ea1i n\u1ee3 c\u1ee7a NH s\u1ebd c\u00f3 quy\u1ec1n nh\u01b0 NH l\u00e0 \u0111\u01b0\u1ee3c \u0111\u00f2i kho\u1ea3n n\u1ee3 \u0111\u00f3 theo gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch. D\u00f9 v\u1eady, \u0111\u00e2y l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng kh\u00e1 l\u1ea1 trong l\u0129nh v\u1ef1c rao b\u00e1n kho\u1ea3n n\u1ee3 \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u” – lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn x\u00e9t.<\/em><\/p>\n

Th\u1eddi gian qua, ph\u00e2n kh\u00fac cho vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i, c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ea9y m\u1ea1nh nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u1eb7c bi\u1ec7t, cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch trong vi\u1ec7c \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n c\u1ea5p thi\u1ebft cho ng\u01b0\u1eddi d\u00e2n.<\/p>\n

D\u00f9 v\u1eady, chuy\u00ean gia t\u00e0i ch\u00ednh, TS \u0110inh Th\u1ebf Hi\u1ec3n cho r\u1eb1ng cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n m\u1ea1nh \u0111i k\u00e8m v\u1edbi r\u1ee7i ro n\u1ee3 x\u1ea5u gia t\u0103ng nh\u01b0ng l\u1ea1i ch\u01b0a c\u00f3 th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 \u0111\u00fang ngh\u0129a \u1edf ph\u00e2n kh\u00fac n\u00e0y. Sau khi lu\u1eadt c\u1ea5m d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 thu\u00ea, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u1ea3 NH th\u01b0\u01a1ng m\u1ea1i c\u0169ng ph\u1ea3i t\u1ef1 x\u1eed l\u00fd nh\u1eefng kho\u1ea3n n\u1ee3 x\u1ea5u t\u1eeb ph\u00e2n kh\u00fac cho vay ti\u00eau d\u00f9ng, bao g\u1ed3m c\u1ea3 nh\u1eefng m\u00f3n vay c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf ch\u1ec9 t\u1eeb v\u00e0i tri\u1ec7u \u0111\u1ed3ng\u2026<\/p>\n

Theo c\u00e1c chuy\u00ean gia, n\u1ebfu nh\u1eefng kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c m\u1ed9t NH th\u01b0\u01a1ng m\u1ea1i rao b\u00e1n th\u00e0nh c\u00f4ng, c\u00f3 th\u1ec3 k\u00edch th\u00edch nh\u1eefng NH kh\u00e1c c\u0169ng rao b\u00e1n, t\u1eeb \u0111\u00f3 t\u1ea1o th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 vay ti\u00eau d\u00f9ng nh\u1ed9n nh\u1ecbp h\u01a1n, g\u00f3p ph\u1ea7n x\u1eed l\u00fd n\u1ee3 x\u1ea5u t\u1eeb ph\u00e2n kh\u00fac n\u00e0y.<\/p>\n

TH\u00c1I PH\u01af\u01a0NG<\/strong><\/p>\n

\n

Ng\u01b0\u1eddi lao \u0111\u1ed9ng (Kinh t\u1ebf) 26-5-2021:<\/em><\/strong><\/p>\n

https:\/\/nld.com.vn\/kinh-te\/lan-dau-tien-ngan-hang-ban-no-vay-tieu-dung-20210525210845207.htm<\/em><\/a><\/p>\n

(154\/1.108)<\/em>","protected":false},"excerpt":{"rendered":"

(NL\u0110) – M\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1eeba rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, kh\u00f4ng h\u1ea1 gi\u00e1\u2026 Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, vi\u1ec7c mua b\u00e1n kho\u1ea3n n\u1ee3\u00a0vay ti\u00eau d\u00f9ng\u00a0c\u1ee7a ng\u00e2n h\u00e0ng (NH) th\u01b0\u01a1ng m\u1ea1i n\u1ebfu su\u00f4n s\u1ebb v\u00e0 di\u1ec5n ra th\u01b0\u1eddng xuy\u00ean c\u00f3 th\u1ec3 k\u00edch th\u00edch […]<\/p>\n","protected":false},"author":7,"featured_media":8756,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-8755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n3.364. 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