{"id":13294,"date":"2018-09-13T14:48:36","date_gmt":"2018-09-13T07:48:36","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=13294"},"modified":"2019-09-13T14:57:20","modified_gmt":"2019-09-13T07:57:20","slug":"cac-bien-phap-bao-dam-doi-voi-hop-dong-tin-dung","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/cac-bien-phap-bao-dam-doi-voi-hop-dong-tin-dung\/","title":{"rendered":"C\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng"},"content":{"rendered":"\n

H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 th\u1ecfa thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n (g\u1ecdi l\u00e0 b\u00ean vay). Theo \u0111\u00f3, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ecfa thu\u1eadn \u1ee9ng tr\u01b0\u1edbc m\u1ed9t s\u1ed1 ti\u1ec1n cho kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng trong m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh, v\u1edbi \u0111i\u1ec1u ki\u1ec7n c\u00f3 ho\u00e0n tr\u1ea3 g\u1ed1c v\u00e0 l\u00e3i, d\u1ef1a tr\u00ean s\u1ef1 t\u00edn nhi\u1ec7m.<\/p>\n

Ng\u00e0y nay, khi giao d\u1ecbch vay t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m thu h\u1ed3i n\u1ee3 c\u1ee7a b\u00ean \u0111i vay trong th\u1eddi h\u1ea1n t\u00edn d\u1ee5ng \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh gi\u1eefa TCTD v\u00e0 kh\u00e1ch h\u00e0ng\u00a0th\u00ec TCTD th\u01b0\u1eddng th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m sau:<\/p>\n

1. B\u1ea3o l\u00e3nh:<\/strong><\/p>\n

B\u1ea3o l\u00e3nh l\u00e0 vi\u1ec7c ng\u01b0\u1eddi th\u1ee9 ba (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean b\u1ea3o l\u00e3nh) cam k\u1ebft v\u1edbi b\u00ean c\u00f3 quy\u1ec1n (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean nh\u1eadn b\u1ea3o l\u00e3nh) s\u1ebd th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thay cho b\u00ean c\u00f3 ngh\u0129a v\u1ee5 (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh), n\u1ebfu khi \u0111\u1ebfn th\u1eddi h\u1ea1n th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 m\u00e0 b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang ngh\u0129a v\u1ee5.<\/p>\n

Nh\u01b0 v\u1eady, \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a quan h\u1ec7 b\u1ea3o l\u00e3nh \u0111\u00f3 l\u00e0 b\u1eb1ng uy t\u00edn, t\u1eeb \u0111\u00f3, ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u00ean b\u1ea3o l\u00e3nh th\u1ef1c hi\u1ec7n thay ngh\u0129a v\u1ee5 ho\u1eb7c kh\u1edfi ki\u1ec7n ch\u1ee9 kh\u00f4ng th\u1ec3 t\u00e1c \u0111\u1ed9ng v\u00e0o t\u00e0i s\u1ea3n c\u1ee7a b\u00ean b\u1ea3o l\u00e3nh \u0111\u01b0\u1ee3c.<\/p>\n

2.\u00a0T\u00edn ch\u1ea5p c\u1ee7a t\u1ed5 ch\u1ee9c \u0111o\u00e0n th\u1ec3 ch\u00ednh tr\u1ecb \u2013 x\u00e3 h\u1ed9i:<\/strong><\/p>\n

T\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb \u2013 x\u00e3 h\u1ed9i \u1edf c\u01a1 s\u1edf c\u00f3 th\u1ec3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p cho c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh ngh\u00e8o vay m\u1ed9t kho\u1ea3n ti\u1ec1n t\u1ea1i TCTD \u0111\u1ec3 s\u1ea3n xu\u1ea5t, kinh doanh, ti\u00eau d\u00f9ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Nh\u01b0 v\u1eady, theo kh\u00e1i ni\u1ec7m n\u00e0y th\u00ec t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb \u2013 x\u00e3 h\u1ed9i kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 thay v\u00ec t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n ri\u00eang c\u0169ng nh\u01b0 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n, n\u00ean ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00e0i s\u1ea3n d\u01b0\u1eddng nh\u01b0 kh\u00f4ng c\u00f3.<\/p>\n

3. C\u1ea7m c\u1ed1 b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng vay<\/strong><\/p>\n

C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n vay v\u1ed1n ng\u00e2n h\u00e0ng l\u00e0 vi\u1ec7c b\u00ean vay v\u1ed1n (b\u00ean c\u1ea7m c\u1ed1) c\u00f3 ngh\u0129a v\u1ee5 giao t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh cho b\u00ean cho vay (g\u1ecdi l\u00e0 b\u00ean nh\u1eadn c\u1ea7m c\u1ed1) \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 (bao g\u1ed3m n\u1ee3 g\u1ed1c, l\u00e3i v\u00e0 ti\u1ec1n ph\u1ea1t l\u00e3i qu\u00e1 h\u1ea1n).<\/p>\n

4. Th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng vay<\/strong><\/p>\n

Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n vay v\u1ed1n ng\u00e2n h\u00e0ng l\u00e0 vi\u1ec7c b\u00ean vay v\u1ed1n (g\u1ecdi l\u00e0 b\u00ean th\u1ebf ch\u1ea5p) d\u00f9ng t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a minh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 (bao g\u1ed3m n\u1ee3 g\u1ed1c, l\u00e3i v\u00e0 ti\u1ec1n ph\u1ea1t l\u00e3i qu\u00e1 h\u1ea1n) \u0111\u1ed1i v\u1edbi b\u00ean cho vay (g\u1ecdi l\u00e0 b\u00ean nh\u00e2n th\u1ebf ch\u1ea5p ) v\u00e0 kh\u00f4ng chuy\u1ec3n giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn th\u1ec3 ch\u1ea5p.<\/p>\n

Trong th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n, TCTD ch\u1ec9 qu\u1ea3n l\u00fd gi\u00e1n ti\u1ebfp th\u00f4ng qua c\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n.<\/p>\n

5. Th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a b\u00ean th\u1ee9 ba:<\/strong><\/p>\n

Th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba l\u00e0 vi\u1ec7c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n (kh\u00f4ng ph\u1ea3i l\u00e0 b\u00ean vay v\u1ed1n) d\u00f9ng t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 n\u1ee3 vay (bao g\u1ed3m n\u1ee3 g\u1ed1c, l\u00e3i v\u00e0 ti\u1ec1n ph\u1ea1t l\u00e3i qu\u00e1 h\u1ea1n) cho b\u00ean \u0111i vay.<\/p>\n

\u00bb Lu\u1eadt s\u01b0 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1ea3o l\u00e3nh vay v\u1ed1n Ng\u00e2n h\u00e0ng<\/a><\/p>\n

\u00bb T\u01b0 v\u1ea5n ph\u00e1p lu\u1eadt t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng<\/a><\/p>\n

Tr\u00ean \u0111\u00e2y l\u00e0 5 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/p>\n","protected":false},"excerpt":{"rendered":"

H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 th\u1ecfa thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n (g\u1ecdi l\u00e0 b\u00ean vay). Theo \u0111\u00f3, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ecfa thu\u1eadn \u1ee9ng tr\u01b0\u1edbc m\u1ed9t s\u1ed1 ti\u1ec1n cho kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng trong m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh, v\u1edbi \u0111i\u1ec1u ki\u1ec7n […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/13294"}],"collection":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/comments?post=13294"}],"version-history":[{"count":0,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/13294\/revisions"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=13294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=13294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=13294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}