{"id":18025,"date":"2026-06-26T02:25:35","date_gmt":"2026-06-26T02:25:35","guid":{"rendered":"https:\/\/bizlawyer.xedichvuhue.com\/?p=18025"},"modified":"2026-06-26T02:51:19","modified_gmt":"2026-06-26T02:51:19","slug":"quy-dinh-phap-luat-va-giai-phap-xu-ly-khoan-no-qua-han-tai-cac-to-chuc-tin-dung","status":"publish","type":"post","link":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/quy-dinh-phap-luat-va-giai-phap-xu-ly-khoan-no-qua-han-tai-cac-to-chuc-tin-dung\/","title":{"rendered":"Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 gi\u1ea3i ph\u00e1p x\u1eed l\u00fd kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng"},"content":{"rendered":"

Trong ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n, vi\u1ec7c ph\u00e1t sinh n\u1ee3 qu\u00e1 h\u1ea1n l\u00e0 r\u1ee7i ro ph\u1ed5 bi\u1ebfn \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n vay v\u1ed1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Vi\u1ec7c nh\u1eadn di\u1ec7n \u0111\u00fang t\u00ecnh tr\u1ea1ng ph\u00e1p l\u00fd c\u1ee7a kho\u1ea3n vay, hi\u1ec3u r\u00f5 c\u01a1 ch\u1ebf \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t v\u00e0 c\u00e1c h\u1ec7 qu\u1ea3 ph\u00e1p l\u00fd c\u1ee7a n\u1ee3 qu\u00e1 h\u1ea1n s\u1ebd gi\u00fap b\u00ean vay ch\u1ee7 \u0111\u1ed9ng x\u00e2y d\u1ef1ng ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd ph\u00f9 h\u1ee3p, h\u1ea1n ch\u1ebf c\u00e1c r\u1ee7i ro t\u00e0i ch\u00ednh v\u00e0 ph\u00e1p l\u00fd.<\/strong><\/p>\n

B\u00e0i vi\u1ebft n\u00e0y ph\u00e2n t\u00edch quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh v\u1ec1 n\u1ee3 qu\u00e1 h\u1ea1n v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p x\u1eed l\u00fd kho\u1ea3n n\u1ee3 t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/strong><\/p>\n

1.Kh\u00e1i ni\u1ec7m v\u00e0 Ph\u00e2n lo\u1ea1i n\u1ee3 theo ti\u00eau chu\u1ea9n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (\u201cNHNN\u201d):<\/h2>\n

Kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 kho\u1ea3n n\u1ee3 m\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c \u0111\u00fang h\u1ea1n m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 n\u1ee3 g\u1ed1c v\u00e0\/ho\u1eb7c l\u00e3i theo th\u1ecfa thu\u1eadn v\u1edbi ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng.<\/p>\n

Theo Th\u00f4ng t\u01b0 s\u1ed1 31\/2024\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ng\u00e0y 30\/6\/2024 quy \u0111\u1ecbnh v\u1ec1 ph\u00e2n lo\u1ea1i t\u00e0i s\u1ea3n c\u00f3 trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh, n\u1ee3 vay \u0111\u01b0\u1ee3c chia th\u00e0nh 5 nh\u00f3m n\u1ee3 ch\u00ednh d\u1ef1a tr\u00ean th\u1eddi gian qu\u00e1 h\u1ea1n v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng, c\u1ee5 th\u1ec3:<\/p>\n

\"Phan Ph\u00e2n Lo\u1ea1i 5 Nh\u00f3m N\u1ee3<\/p>\n

Vi\u1ec7c ph\u00e2n lo\u1ea1i n\u00e0y l\u00e0 c\u0103n c\u1ee9 quan tr\u1ecdng \u0111\u1ec3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e1nh gi\u00e1 r\u1ee7i ro t\u00edn d\u1ee5ng, tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng v\u00e0 \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p x\u1eed l\u00fd n\u1ee3.<\/strong><\/p>\n

2.Quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n<\/h2>\n

2.1.”B\u1eaby” l\u00e3i su\u1ea5t v\u00e0 h\u1ec7 l\u1ee5y t\u00edn d\u1ee5ng?<\/h3>\n

L\u00e3i su\u1ea5t trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo c\u01a1 ch\u1ebf th\u1ecfa thu\u1eadn gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng, ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

Khi \u0111\u1ebfn h\u1ea1n thanh to\u00e1n m\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 n\u1ee3 g\u1ed1c v\u00e0 ho\u1eb7c l\u00e3i ti\u1ec1n vay theo th\u1ecfa thu\u1eadn, th\u00ec kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 ti\u1ec1n vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, c kho\u1ea3n 4 \u0110i\u1ec1u 13 Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN ng\u00e0y 30 th\u00e1ng 12 n\u0103m 2016 quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh, c\u1ee5 th\u1ec3 nh\u01b0 sau:<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n vay b\u1ecb chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n, th\u00ec kh\u00e1ch h\u00e0ng tr\u1ea3 ti\u1ec1n l\u00e3i tr\u00ean d\u01b0 n\u1ee3 g\u1ed1c b\u1ecb qu\u00e1 h\u1ea1n<\/span> t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% m\u1ee9c l\u00e3i su\u1ea5t cho vay trong h\u1ea1n<\/span> m\u00e0 c\u00e1c B\u00ean \u0111\u00e3 th\u1ecfa thu\u1eadn t\u1ea1i H\u1ee3p \u0111\u1ed3ng cho vay t\u1ea1i th\u1eddi \u0111i\u1ec3m chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n.<\/p>\n

Ngo\u00e0i ra n\u1ebfu kh\u00f4ng tr\u1ea3 l\u00e3i \u0111\u00fang h\u1ea1n<\/span> th\u00ec ph\u1ea3i tr\u1ea3 l\u00e3i ch\u1eadm tr\u1ea3 theo m\u1ee9c l\u00e3i su\u1ea5t do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn t\u1ea1i H\u1ee3p \u0111\u1ed3ng cho vay nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 10%\/n\u0103m t\u00ednh tr\u00ean s\u1ed1 d\u01b0 n\u1ee3 l\u00e3i ch\u1eadm tr\u1ea3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3.<\/p>\n

2.2.M\u1eb7t tr\u00e1i trong vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t t\u1ea1i c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/h3>\n

V\u1ec1 l\u00e3i su\u1ea5t trong h\u1ea1n theo th\u1ecfa thu\u1eadn: C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng khi cho vay s\u1ebd \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t trong h\u1ea1n theo \u0110i\u1ec1u 100 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hi\u1ec7n h\u00e0nh v\u00e0 kho\u1ea3n 1 \u0110i\u1ec1u 13 Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN, d\u1eabn \u0111\u1ebfn th\u1ef1c t\u1ebf c\u00f3 m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n nhi\u1ec1u l\u1ea7n so v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t ch\u1eb7n tr\u1ea7n \u2264 20%\/n\u0103m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Vi\u1ec7c th\u1ecfa thu\u1eadn n\u00e0y kh\u00f4ng tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3 t\u1ea1i \u0110i\u1ec1u 7 Ngh\u1ecb quy\u1ebft s\u1ed1 01\/2019\/NQ-H\u0110TP c\u1ee7a H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao ng\u00e0y 11\/01\/2019 h\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i, l\u00e3i su\u1ea5t ph\u1ea1t vi ph\u1ea1m. Theo \u0111\u00f3: Khi gi\u1ea3i quy\u1ebft v\u1ec1 l\u00e3i, l\u00e3i su\u1ea5t trong H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng th\u00ec T\u00f2a \u00e1n \u00e1p d\u1ee5ng quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh chi ti\u1ebft, h\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft m\u00e0 kh\u00f4ng \u00e1p d\u1ee5ng quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t c\u1ee7a B\u00f4 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

Nh\u01b0 v\u1eady, m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 l\u00e3i qu\u00e1 h\u1ea1n t\u1ed1i \u0111a ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o l\u00e3i su\u1ea5t vay theo h\u1ee3p \u0111\u1ed3ng. M\u1eb7t kh\u00e1c, t\u1ea1i kho\u1ea3n 4 \u0110i\u1ec1u 8 Ngh\u1ecb quy\u1ebft s\u1ed1 01\/2019\/NQ-H\u0110TP h\u01b0\u1edbng d\u1eabn: Th\u1eddi gian ch\u1eadm tr\u1ea3 ti\u1ec1n l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c b\u1eaft \u0111\u1ea7u k\u1ec3 t\u1eeb ng\u00e0y ti\u1ebfp theo li\u1ec1n k\u1ec1 c\u1ee7a ng\u00e0y ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m x\u00e9t x\u1eed s\u01a1 th\u1ea9m, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c. Quy \u0111\u1ecbnh n\u00e0y g\u00e2y nhi\u1ec1u b\u1ea5t l\u1ee3i \u0111\u1ed1i v\u1edbi b\u00ean vay khi \u0111\u00e3 m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 nh\u01b0ng b\u00ean cho vay c\u1ed1 t\u00ecnh kh\u00f4ng kh\u1edfi ki\u1ec7n \u0111\u1ec3 k\u00e9o d\u00e0i th\u1eddi gian t\u00ednh l\u00e3i ch\u1eadm tr\u1ea3.<\/p>\n

Theo \u00c1n l\u1ec7 s\u1ed1 08\/2016\/AL v\u1ec1 x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t, vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t trong H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng k\u1ec3 t\u1eeb ng\u00e0y ti\u1ebfp theo c\u1ee7a ng\u00e0y x\u00e9t x\u1eed s\u01a1 th\u1ea9m th\u00ec: K\u1ec3 t\u1eeb ng\u00e0y ti\u1ebfp theo c\u1ee7a ng\u00e0y x\u00e9t x\u1eed s\u01a1 th\u1ea9m kh\u00e1ch h\u00e0ng vay c\u00f2n ph\u1ea3i ti\u1ebfp t\u1ee5c ch\u1ecbu kho\u1ea3n ti\u1ec1n l\u00e3i qu\u00e1 h\u1ea1n c\u1ee7a s\u1ed1 ti\u1ec1n n\u1ee3 g\u1ed1c ch\u01b0a thanh to\u00e1n, theo m\u1ee9c l\u00e3i su\u1ea5t m\u00e0 c\u00e1c b\u00ean th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng cho \u0111\u1ebfn khi th\u1ef1c t\u1ebf thanh to\u00e1n xong kho\u1ea3n n\u1ee3 g\u1ed1c.<\/p>\n

3.H\u1ec7 qu\u1ea3 c\u1ee7a n\u1ee3 qu\u00e1 h\u1ea1n l\u00e0 g\u00ec?<\/h2>\n

Vi\u1ec7c tr\u1ea3 n\u1ee3 kh\u00f4ng \u0111\u00fang h\u1ea1n c\u00f3 th\u1ec3 g\u00e2y ra nhi\u1ec1u h\u1ec7 l\u1ee5y v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vay, bao g\u1ed3m:<\/p>\n

B\u1ecb t\u00ednh l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n v\u00e0 l\u00e3i ch\u1eadm tr\u1ea3 l\u00e3i:<\/strong> K\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m B\u00ean vay vi ph\u1ea1m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 theo th\u1ecfa thu\u1eadn h\u1ee3p \u0111\u1ed3ng Ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n (th\u01b0\u1eddng l\u00e0 150%\/n\u0103m \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u00e3i ph\u00e1t sinh tr\u00ean d\u01b0 n\u1ee3 g\u1ed1c v\u00e0 10%\/n\u0103m \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u00e3i ph\u00e1t sinh tr\u00ean d\u01b0 n\u1ee3 l\u00e3i qu\u00e1 h\u1ea1n so v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t trong h\u1ea1n). Ch\u00ednh \u0111i\u1ec1u n\u00e0y \u0111\u00e3 l\u00e0m t\u0103ng t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea3i thanh to\u00e1n.<\/p>\n

H\u1ea1n ch\u1ebf kh\u1ea3 n\u0103ng vay v\u1ed1n:<\/strong> N\u1ee3 qu\u00e1 h\u1ea1n s\u1ebd b\u1ecb ghi nh\u1eadn th\u00f4ng tin tr\u00ean Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng Qu\u1ed1c gia (CIC), d\u1eabn \u0111\u1ebfn ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 b\u1ecb t\u1eeb ch\u1ed1i khi \u0111\u0103ng k\u00fd vay m\u1edbi ho\u1eb7c ch\u1ec9 \u0111\u01b0\u1ee3c c\u1ea5p kho\u1ea3n vay v\u1edbi h\u1ea1n m\u1ee9c th\u1ea5p v\u00e0 l\u00e3i su\u1ea5t cao h\u01a1n do b\u1ecb x\u1ebfp v\u00e0o nh\u00f3m kh\u00e1ch h\u00e0ng r\u1ee7i ro. \u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 trong nh\u00f3m 3, 4, 5 th\u00ec trong 5 n\u0103m ti\u1ebfp theo k\u1ec3 t\u1eeb ng\u00e0y B\u00ean vay t\u1ea5t to\u00e1n kho\u1ea3n n\u1ee3, B\u00ean vay s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c cho vay d\u01b0\u1edbi b\u1ea5t k\u1ef3 h\u00ecnh th\u1ee9c n\u00e0o theo \u0111\u00fang quy \u0111\u1ecbnh v\u1ec1 n\u1ee3 x\u1ea5u. Sau 5 n\u0103m t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c b\u00ecnh th\u01b0\u1eddng tr\u1edf l\u1ea1i th\u00ec s\u1ebd \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t x\u00e9t duy\u1ec7t c\u00e1c kho\u1ea3n vay v\u1ed1n khi c\u00f3 nhu c\u1ea7u.<\/p>\n

\"H\u1ec7<\/p>\n

H\u1ec7 qu\u1ea3 n\u1ee3 qu\u00e1 h\u1ea1n, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 nguy c\u01a1 b\u1ecb x\u1eed l\u00fd<\/p>\n

Nguy c\u01a1 b\u1ecb x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p:<\/strong> N\u1ebfu kho\u1ea3n vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ho\u1eb7c y\u00eau c\u1ea7u c\u01a1 quan thi h\u00e0nh \u00e1n ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt \u0111\u1ec3 thu h\u1ed3i n\u1ee3.<\/p>\n

4.C\u00e1c gi\u1ea3i ph\u00e1p x\u1eed l\u00fd kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n t\u1ea1i c\u00e1c TCTD l\u00e0 g\u00ec?<\/h2>\n

Trong th\u1ef1c ti\u1ec5n, kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd th\u00f4ng qua nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c kh\u00e1c nhau, t\u00f9y thu\u1ed9c v\u00e0o t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ch\u00ednh s\u00e1ch c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/strong><\/p>\n

(i) C\u01a1 c\u1ea5u l\u1ea1i kho\u1ea3n n\u1ee3: Kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u01a1 c\u1ea5u l\u1ea1i n\u1ebfu th\u1ecfa m\u00e3n c\u00e1c \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2025; Th\u00f4ng t\u01b0 s\u1ed1: 39\/2016\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ng\u00e0y 30\/12\/2016; Th\u00f4ng t\u01b0 s\u1ed1: 02\/2023\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ng\u00e0y 23\/04\/2023.<\/p>\n

(ii) Thu h\u1ed3i n\u1ee3 tr\u1ef1c ti\u1ebfp: C\u00e1c B\u00ean c\u00f3 th\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n th\u00f4ng qua ho\u1ea1t \u0111\u1ed9ng \u0111\u00f4n \u0111\u1ed1c, nh\u1eafc n\u1ee3, \u0111\u00e0m ph\u00e1n mi\u1ec5n\/gi\u1ea3m l\u00e3i\/gi\u1ea3i ch\u1ea5p t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; \u2026<\/p>\n

(iii) X\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m: \u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u01b0\u1eddng T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd th\u1ef1c hi\u1ec7n quy\u1ec1n kh\u1edfi ki\u1ec7n \u0111\u1ec3 y\u00eau c\u1ea7u gi\u1ea3i quy\u1ebft tranh ch\u1ea5p v\u00e0 th\u00f4ng qua c\u01a1 quan thi h\u00e0nh \u00e1n \u0111\u1ec3 y\u00eau c\u1ea7u k\u00ea bi\u00ean, ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n thu h\u1ed3i n\u1ee3. Ngo\u00e0i ra, T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd th\u1ef1c hi\u1ec7n quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd thu h\u1ed3i n\u1ee3 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

(iv) Chuy\u1ec3n giao kho\u1ea3n n\u1ee3 sang cho b\u00ean th\u1ee9 ba: T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n b\u00e1n kho\u1ea3n n\u1ee3 sang cho b\u00ean th\u1ee9 ba. Gi\u1ea3i ph\u00e1p n\u00e0y gi\u00fap c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng x\u1eed l\u00fd n\u1ee3 x\u1ea5u, gi\u1ea3m r\u1ee7i ro t\u00edn d\u1ee5ng.<\/p>\n

(v) T\u00e1i c\u1ea5u tr\u00fac n\u1ee3: Gi\u1ea3i ph\u00e1p n\u00e0y gi\u00fap t\u1ed1i \u01b0u h\u00f3a kho\u1ea3n vay, bi\u1ebfn \u00e1p l\u1ef1c n\u1ee3 th\u00e0nh l\u1ee3i th\u1ebf th\u1ecb tr\u01b0\u1eddng v\u00e0 nh\u1eefng c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 m\u1edf r\u1ed9ng.<\/p>\n

Khuy\u1ebfn ngh\u1ecb:<\/strong> N\u1ee3 qu\u00e1 h\u1ea1n kh\u00f4ng ch\u1ec9 l\u00e0m gia t\u0103ng ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh m\u00e0 c\u00f2n \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kh\u00e1ch h\u00e0ng. Do \u0111\u00f3, khi ph\u00e1t sinh d\u1ea5u hi\u1ec7u m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, b\u00ean vay c\u1ea7n ch\u1ee7 \u0111\u1ed9ng \u0111\u00e1nh gi\u00e1 r\u1ee7i ro ph\u00e1p l\u00fd v\u00e0 x\u00e2y d\u1ef1ng ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd ph\u00f9 h\u1ee3p. Trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n h\u1ed7 tr\u1ee3 chuy\u00ean s\u00e2u, Qu\u00fd kh\u00e1ch h\u00e0ng vui l\u00f2ng li\u00ean h\u1ec7:<\/p>\n

LU\u1eacT S\u01af T\u01af V\u1ea4N: L\u00ca TH\u1eca H\u1eacU (BIZLAWYER)<\/strong>
\nEmail:<\/strong> hau.le@bizlawyer.xedichvuhue.com
\n\u0110i\u1ec7n tho\u1ea1i:<\/strong> 0336 875 393.
\nTr\u00e2n tr\u1ecdng.\/.<\/p>\n","protected":false},"excerpt":{"rendered":"

Trong ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n, vi\u1ec7c ph\u00e1t sinh n\u1ee3 qu\u00e1 h\u1ea1n l\u00e0 r\u1ee7i ro ph\u1ed5 bi\u1ebfn \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n vay v\u1ed1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Vi\u1ec7c nh\u1eadn di\u1ec7n \u0111\u00fang t\u00ecnh tr\u1ea1ng ph\u00e1p l\u00fd c\u1ee7a kho\u1ea3n vay, hi\u1ec3u r\u00f5 c\u01a1 ch\u1ebf \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t v\u00e0 c\u00e1c h\u1ec7 qu\u1ea3 ph\u00e1p […]<\/p>\n","protected":false},"author":21,"featured_media":18030,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[227,225,223,228,229,224,231,230,226],"class_list":["post-18025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bai-viet","tag-hop-dong-tin-dung","tag-lai-suat-qua-han","tag-no-qua-han","tag-tai-co-cau-no","tag-tai-san-bao-dam","tag-to-chuc-tin-dung","tag-tranh-tung-ngan-hang","tag-tu-van-tai-chinh-ngan-hang","tag-xu-ly-no-xau"],"acf":[],"_links":{"self":[{"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/posts\/18025","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/comments?post=18025"}],"version-history":[{"count":0,"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/posts\/18025\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/media\/18030"}],"wp:attachment":[{"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/media?parent=18025"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/categories?post=18025"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizlawyer.xedichvuhue.com\/vi\/wp-json\/wp\/v2\/tags?post=18025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}