Although civil law has clear regulations on loan interest rates. But actually, the situation for high-interest loans or "credit" is still constantly growing and increasingly more publicity. Any solution to the limit as well as termination of this situation?
"Black credit" refers to the active form of civil non-credit through the banking system or the official credit institutions would not, business registration, as well as not yet licensed, non-compliance nor governed officially by any State Agency. The form of this transaction not only destabilizing of security order, damage the network of people that left major economic damage, because social "black credit" has varied forms, with the scale, the result is increasingly unpredictable.
According to statistics of the General Directorate of the police in crime prevention, within the first 6 months in 2014, the country happened 141 service scam, 125 service abuse credit appropriation of assets related to "credit". Because of the greed of the people about business credit card with high interest rates have made it no less widely admired fainting people empty the entire capital loan assets, makes them unable, and mobilizing others to usury in order to make the word spreads, leading to the line.
In the context of the difficult economy, business loan demand increases song not everyone has access. Therefore, people are willing to hold onto on "black credit" despite the financial risk does not control. The left side of the "credit", laid out several issues and business loans for bad credit need measures adjusted by law.
Nguyen Ngoc Phuong, Quang Binh Union representatives stated comments: "in the process of implementation of credit loans between people of the same loan agreement, then this is not prohibited by law. Due to the advantage of this is that many illegal as the scam, hụi, broken at this is against the law but that the police have no right to intervene and now the Criminal Law also does not handle both national lenders, you have proof of fraud, but you do not pay then I also suffered.
Therefore I propose is this must bring in a law to control, to processing rules. I propose is to take on the criminal case, a thing borrowed of other people have proof which does not fulfill the obligation of repayment related to credit card would prejudice criminal liability ".
Because of the current provisions of the law remain loose and not enough deterrence so deceptive status from the increasingly black credit and loan activities are so blatant.
Business credit reports show that the current criminal code there is only 1 thing only (article 164) regulates the behaviour of heavy interest rate loan but must meet both factors: interest rates 10 times the highest interest and specialized nature of sweatshop (lived usury and used many tricks to force lenders and repayment). In the meantime, this is not easy to prove and define should have caused difficulties for the police during the investigation, handling.
The delegates said that one key solution to regulate credit card the lending activities in civil transactions is regulated lending interest rate ceiling. In the past 10 years, the civil code in force enforcing the provisions in clause 1, article 481: "interest rate due to the parties to the agreement but not exceed 150% of the basic interest rate by the State Bank announced". This has shown their inadequacies because of the fact that the interest rate on the market related to business credit card were far beyond the level of this regulation.
Post a Comment