Ng\u00e0y 28\/12\/2018, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 45\/2018\/TT-NHNN h\u01b0\u1edbng d\u1eabn c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng. Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh k\u1ec3 t\u1eeb ng\u00e0y 12\/02\/2019.
\nTheo \u0111\u00f3, Th\u00f4ng t\u01b0 s\u1ed1 45\/2018\/TT-NHNN c\u00f3 nh\u01b0ng \u0111i\u1ec3m m\u1edbi \u0111\u00e1ng ch\u00fa \u00fd nh\u01b0 sau:
\n1.\tV\u1ec1 ph\u1ed1i h\u1ee3p trong cho vay c\u00f3 b\u1ea3o l\u00e3nh
\nTr\u01b0\u1eddng h\u1ee3p Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m cho ho\u1ea1t \u0111\u1ed9ng b\u1ea3o l\u00e3nh, b\u00ean cho vay, Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng, b\u00ean c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c b\u00ean li\u00ean quan (n\u1ebfu c\u00f3) th\u1ecfa thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u00ean cho vay c\u00f3 quy\u1ec1n ti\u1ebfp nh\u1eadn v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m cho ho\u1ea1t \u0111\u1ed9ng b\u1ea3o l\u00e3nh trong tr\u01b0\u1eddng h\u1ee3p Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh theo quy \u0111\u1ecbnh.
\nTr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n cho vay c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng, b\u00ean cho vay v\u00e0 Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng: a- C\u0103n c\u1ee9 c\u00e1c quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 c\u1ee7a b\u00ean cho vay v\u00e0 ph\u01b0\u01a1ng th\u1ee9c t\u1ed5 ch\u1ee9c \u0111i\u1ec1u h\u00e0nh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 14 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 34\/2018\/N\u0110-CP, th\u1ef1c hi\u1ec7n k\u00fd th\u1ecfa thu\u1eadn khung ho\u1eb7c th\u1ecfa thu\u1eadn t\u1eebng l\u1ea7n v\u1ec1 vi\u1ec7c ph\u1ed1i h\u1ee3p cho vay c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng \u0111\u1ec3 th\u1ed1ng nh\u1ea5t c\u00e1c n\u1ed9i dung trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n b\u1ea3o l\u00e3nh, cho vay v\u00e0 l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 th\u1ef1c hi\u1ec7n quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean khi ph\u00e1t sinh; b- Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 nhu c\u1ea7u s\u1eeda \u0111\u1ed5i, b\u1ed5 sung th\u1ecfa thu\u1eadn ph\u1ed1i h\u1ee3p \u0111\u00e3 k\u00fd k\u1ebft th\u00ec vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng v\u0103n b\u1ea3n v\u00e0 l\u00e0 m\u1ed9t b\u1ed9 ph\u1eadn kh\u00f4ng t\u00e1ch r\u1eddi c\u1ee7a v\u0103n b\u1ea3n th\u1ecfa thu\u1eadn ph\u1ed1i h\u1ee3p.
\n2.\tV\u1ec1 nguy\u00ean t\u1eafc cho vay
\nB\u00ean cho vay xem x\u00e9t, th\u1ea9m \u0111\u1ecbnh, quy\u1ebft \u0111\u1ecbnh cho vay b\u0103\u0300ng \u0111\u00f4\u0300ng Vi\u00ea\u0323t Nam \u0111\u00f4\u0301i v\u01a1\u0301i c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng b\u1ea3o l\u00e3nh ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 g\u1ed1c, tr\u1ea3 l\u00e3i, tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 n\u1ee3 l\u00e3i kho\u1ea3n vay theo quy \u0111\u1ecbnh v\u00e0 t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 quy\u1ebft \u0111\u1ecbnh cho vay c\u1ee7a m\u00ecnh.
\nVi\u1ec7c ph\u00e2n lo\u1ea1i n\u1ee3, c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n, tr\u00edch l\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro c\u1ee7a b\u00ean cho vay \u0111\u1ed1i v\u1edbi kho\u1ea3n vay c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh.
\nB\u00ean cho vay v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn m\u1ee9c l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay ng\u1eafn, trung, d\u00e0i h\u1ea1n c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng, \u0111\u1ea3m b\u1ea3o l\u00e3i su\u1ea5t cho vay kh\u00f4ng cao h\u01a1n l\u00e3i su\u1ea5t cho vay c\u00f9ng k\u1ef3 h\u1ea1n, c\u00f9ng ng\u00e0nh, l\u0129nh v\u1ef1c c\u1ee7a b\u00ean cho vay, ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh.<\/p>\n
C\u00f3 th\u1ec3 th\u1ea5y, c\u00e1c quy \u0111\u1ecbnh m\u1edbi c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc trong ho\u1ea1t \u0111\u1ed9ng b\u1ea3o l\u00e3nh cho vay t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 45\/2018\/TT-NHNN \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd thu h\u00fat v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng trong nh\u1eefng n\u0103m t\u1edbi.<\/p>\n","protected":false},"excerpt":{"rendered":"
Ng\u00e0y 28\/12\/2018, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 45\/2018\/TT-NHNN h\u01b0\u1edbng d\u1eabn c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng. Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh k\u1ec3 t\u1eeb ng\u00e0y 12\/02\/2019. Theo \u0111\u00f3, Th\u00f4ng t\u01b0 s\u1ed1 45\/2018\/TT-NHNN c\u00f3 nh\u01b0ng \u0111i\u1ec3m m\u1edbi […]<\/p>\n","protected":false},"author":3,"featured_media":6629,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6628","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bai-viet"],"_links":{"self":[{"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/posts\/6628","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/comments?post=6628"}],"version-history":[{"count":0,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/posts\/6628\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/media\/6629"}],"wp:attachment":[{"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/media?parent=6628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/categories?post=6628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/tags?post=6628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}