{"id":1123,"date":"2014-01-16T16:05:57","date_gmt":"2014-01-16T09:05:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=1123"},"modified":"2022-06-12T11:53:46","modified_gmt":"2022-06-12T04:53:46","slug":"208a-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank-trong-vu-an-huynh-thi-huyen-nhu-lua-dao-chiem-doat-tai-san","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/208a-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank-trong-vu-an-huynh-thi-huyen-nhu-lua-dao-chiem-doat-tai-san\/","title":{"rendered":"208a. Lu\u1eadn c\u1ee9 B\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a NAVIBANK trong v\u1ee5 \u00e1n Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 L\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n."},"content":{"rendered":"(ANVI) &#8211; Lu\u1eadn c\u1ee9 c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c tr\u00ecnh b\u00e0y t\u1ea1i Phi\u00ean t\u00f2a s\u01a1 th\u1ea9m TAND TP HCM ng\u00e0y 16-01-2014.<\/p>\n<p><em>K\u00ednh th\u01b0a: H\u1ed9i \u0111\u1ed3ng X\u00e9t x\u1eed!<\/em><\/p>\n<p>T\u00f4i l\u00e0 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0110o\u00e0n Lu\u1eadt s\u01b0 TP H\u00e0 N\u1ed9i, b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a Ng\u00e2n h\u00e0ng TMCP Nam Vi\u1ec7t (NAVIBANK) trong vi\u1ec7c th\u00f4ng qua 4 nh\u00e2n vi\u00ean g\u1eedi 200 t\u1ef7 \u0111\u1ed3ng t\u1ea1i VietinBank.<\/p>\n<p>V\u1ee5 \u00e1n n\u00e0y l\u00e0 m\u1ed9t b\u00e0i h\u1ecdc x\u01b0\u01a1ng m\u00e1u li\u00ean quan \u0111\u1ebfn quy\u1ec1n l\u1ee3i v\u00f4 c\u00f9ng quan tr\u1ecdng v\u00e0 ch\u00ednh \u0111\u00e1ng c\u1ee7a h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, v\u00ec v\u1eady t\u00f4i kh\u00f4ng th\u1ec3 kh\u00f4ng n\u00f3i k\u1ef9, kh\u00f4ng th\u1ec3 kh\u00f4ng l\u00e0m r\u00f5, kh\u00f4ng th\u1ec3 kh\u00f4ng b\u1ea3o v\u1ec7 tr\u01b0\u1edbc nh\u1eefng nguy c\u01a1 quy k\u1ebft gi\u1ea3n \u0111\u01a1n theo ki\u1ec3u, v\u00ec kh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m n\u00ean ph\u1ea3i ch\u1ecbu m\u1ea5t oan 200 t\u1ef7 \u0111\u1ed3ng g\u1eedi v\u00e0o ng\u00e2n h\u00e0ng.<\/p>\n<p>C\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 trang 14 K\u1ebft lu\u1eadn \u0111i\u1ec1u tra, trang 11 C\u00e1o tr\u1ea1ng s\u1ed1 16\/KS\u0110T-VKSTC-V1 ng\u00e0y 16-10-2013 c\u1ee7a Vi\u1ec7n Ki\u1ec3m s\u00e1t nh\u00e2n d\u00e2n t\u1ed1i cao vi\u1ebft nh\u01b0 sau: \u201c<em>\u2026Nh\u01b0 \u0111\u00e3 \u0111\u1ed3ng \u00fd tho\u1ea3 thu\u1eadn v\u1edbi Lu\u1eadt nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a Navibank v\u1edbi l\u00e3i su\u1ea5t trong h\u1ee3p \u0111\u1ed3ng l\u00e0 14%\/n\u0103m. \u0110\u1ec3 Navibank tin t\u01b0\u1edfng chuy\u1ec3n ti\u1ec1n, t\u1eeb ng\u00e0y 14\/7\/2011 \u0111\u1ebfn ng\u00e0y 26\/7\/2011, Nh\u01b0 \u0111\u00e3 \u0111\u1ec1 xu\u1ea5t <strong>l\u00e3nh \u0111\u1ea1o VietinBank Chi nh\u00e1nh TP H\u1ed3 Ch\u00ed Minh k\u00fd 18 h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi v\u1edbi c\u00e1c nh\u00e2n vi\u00ean Navibank \u0111\u1ec3 nh\u1eadn g\u1eedi 500 t\u1ef7 \u0111\u1ed3ng<\/strong>, l\u00e3i su\u1ea5t 14%\/n\u0103m, th\u1eddi h\u1ea1n 4 th\u00e1ng, kh\u00f4ng b\u00e1o c\u00e1o v\u1edbi l\u00e3nh \u0111\u1ea1o v\u1ec1 ph\u1ea7n ch\u00eanh l\u1ec7ch ngo\u00e0i h\u1ee3p \u0111\u1ed3ng ph\u1ea3i tr\u1ea3 cho Lu\u1eadt. \u0110\u1ebfn ng\u00e0y 07\/9\/2011, Nh\u01b0 \u0111\u00e3 t\u1ea5t to\u00e1n 12 h\u1ee3p \u0111\u1ed3ng s\u1ed1 ti\u1ec1n 300 t\u1ef7 \u0111\u1ed3ng, c\u00f2n l\u1ea1i 200 t\u1ef7 \u0111\u1ed3ng \u0111\u1ee9ng t\u00ean c\u00e1c c\u00e1 nh\u00e2n g\u1ed3m: Hu\u1ef3nh Linh Chi 63,3 t\u1ef7 \u0111\u1ed3ng, Cao Th\u1ecb Thu\u1ef3 Anh 27,3 t\u1ef7 \u0111\u1ed3ng, L\u01b0\u01a1ng Th\u1ecb Thu\u1ef7 Ti\u00ean 67,2 t\u1ef7 \u0111\u1ed3ng v\u00e0 L\u00ea Th\u1ecb Thu H\u01b0\u01a1ng 42,2 t\u1ef7 \u0111\u1ed3ng, c\u00e1c c\u00e1 nh\u00e2n n\u00e0y <strong>\u0111\u00e3 kh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m<\/strong> <strong>m\u00e0 \u0111\u1ec3 Nh\u01b0 \u0111\u00e3 t\u1ef1 tr\u00edch chuy\u1ec3n t\u1eeb t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n n\u00e0y m\u1edf t\u1ea1i VietinBank <\/strong>Chi nh\u00e1nh TP H\u1ed3 Ch\u00ed Minh \u0111i tr\u1ea3 n\u1ee3 cho c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c m\u00e0 Nh\u01b0 \u0111\u00e3 vay tr\u01b0\u1edbc \u0111\u00f3. V\u1edbi th\u1ee7 \u0111o\u1ea1n \u0111\u00f3 Nh\u01b0 \u0111\u00e3 l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t c\u1ee7a Navibank 200 t\u1ef7 \u0111\u1ed3ng.\u201d<\/em><\/p>\n<p>C\u00e1o tr\u1ea1ng vi\u1ebft ti\u1ebfp:<\/p>\n<p><em>\u201cX\u00e1c minh t\u1ea1i VietinBank Chi nh\u00e1nh TP H\u1ed3 Ch\u00ed Minh: Ng\u00e2n h\u00e0ng n\u00e0y x\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n 200 t\u1ef7 \u0111\u1ed3ng c\u00f3 trong t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a 04 nh\u00e2n vi\u00ean Navibank m\u1edf t\u1ea1i VietinBank do c\u00e1c c\u00e1 nh\u00e2n n\u00e0y <strong>kh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m v\u00e0 kh\u00f4ng m\u1edf t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u00fang tr\u00ecnh t\u1ef1<\/strong> n\u00ean \u0111\u00e3 b\u1ecb Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t tr\u1ea3 cho nhi\u1ec1u \u0111\u01a1n v\u1ecb v\u00e0 c\u00e1 nh\u00e2n<\/em>\u201d.<\/p>\n<p>H\u1ed3 s\u01a1, ch\u1ee9ng c\u1ee9 li\u00ean quan \u0111\u1ebfn NAVIBANK trong v\u1ee5 \u00e1n n\u00e0y \u0111\u00e3 kh\u00e1 r\u00f5. V\u1ea5n \u0111\u1ec1 ch\u1ec9 c\u00f2n l\u00e0 nh\u00ecn nh\u1eadn, \u0111\u00e1nh gi\u00e1 n\u00f3 th\u1ebf n\u00e0o m\u00e0 th\u00f4i. C\u00f3 \u0111i\u1ec1u kh\u00f3 hi\u1ec3u l\u00e0 Vi\u1ec7n Ki\u1ec3m s\u00e1t nh\u00e2n d\u00e2n t\u1ed1i cao x\u00e1c \u0111\u1ecbnh \u0111\u00e2y l\u00e0 1 trong s\u1ed1 10 v\u1ee5 \u0111\u1ea1i \u00e1n tham nh\u0169ng t\u1ea1i bu\u1ed5i l\u00e0m vi\u1ec7c ng\u00e0y ng\u00e0y 12-9 v\u1edbi \u00f4ng Nguy\u1ec5n B\u00e1 Thanh &#8211; Ph\u00f3 Tr\u01b0\u1edfng ban th\u01b0\u1eddng tr\u1ef1c Ban Ch\u1ec9 \u0111\u1ea1o trung \u01b0\u01a1ng v\u1ec1 ph\u00f2ng ch\u1ed1ng tham nh\u0169ng, Tr\u01b0\u1edfng Ban N\u1ed9i ch\u00ednh Trung \u01b0\u01a1ng, tuy nhi\u00ean cho \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m s\u1eafp k\u1ebft th\u00fac gia \u0111o\u1ea1n tranh lu\u1eadn, v\u1eabn kh\u00f4ng th\u1ea5y c\u00f3 h\u00e0nh vi n\u00e0o \u0111\u01b0\u1ee3c coi l\u00e0 tham nh\u0169ng?<\/p>\n<p>Ri\u00eang v\u1ec1 ph\u1ea7n li\u00ean quan \u0111\u1ebfn NAVIBANK, c\u00f3 th\u1ec3 t\u00f3m t\u1eaft th\u00e0nh 10 v\u1ea5n \u0111\u1ec1 l\u00e0 l\u00fd do, nguy\u00ean nh\u00e2n, \u0111i\u1ec1u ki\u1ec7n m\u00e0 K\u1ebft lu\u1eadn \u0111i\u1ec1u tra, C\u00e1o tr\u1ea1ng v\u00e0 Lu\u1eadn t\u1ed9i c\u1ee7a \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t c\u0169ng nh\u01b0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a VietinBank cho r\u1eb1ng b\u1ecb c\u00e1o Nh\u01b0 l\u1eeba \u0111\u1ea3o v\u00e0 ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng NAVIBANK nh\u01b0 sau:<\/p>\n<ol>\n<li>X\u00e1c \u0111\u1ecbnh NAVIBANK l\u00e0 nguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1 v\u00e0 b\u1ecb c\u00e1o Nh\u01b0 l\u00e0 b\u1ecb \u0111\u01a1n d\u00e2n s\u1ef1;<\/li>\n<li>Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t;<\/li>\n<li>Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n h\u00e1m l\u1ee3i v\u00e0 ch\u1ea5p nh\u1eadn r\u1ee7i ro;<\/li>\n<li>Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n tin nh\u1ea7m v\u00e0o t\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o;<\/li>\n<li>Vi\u1ec7c giao d\u1ecbch kh\u00f4ng \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng v\u00e0 \u0111\u1ecba ch\u1ec9;<\/li>\n<li>Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u201cKh\u00f4ng m\u1edf t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u00fang tr\u00ecnh t\u1ef1\u201d (c\u00e1o tr\u1ea1ng);<\/li>\n<li>Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m \u201ckh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m\u201d (c\u00e1o tr\u1ea1ng);<\/li>\n<li>Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u00e3 kh\u00f4ng th\u1ef1c hi\u1ec7n tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh;<\/li>\n<li>VietinBank kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 c\u00e1c l\u1ec7nh chi gi\u1ea3;<\/li>\n<li>\u0110\u1ea1o l\u00fd v\u00e0 ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c y\u00eau c\u1ea7u Vietin bank b\u1ed3i th\u01b0\u1eddng.<\/li>\n<\/ol>\n<p>V\u1eady \u0111\u00e2u l\u00e0 s\u1ef1 th\u1eadt kh\u00e1ch quan, \u0111\u00e2u l\u00e0 suy di\u1ec5n ch\u1ee7 quan, tr\u00e1i ng\u01b0\u1ee3c v\u1edbi th\u1ef1c t\u1ebf, kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 ph\u00e1p l\u00fd? T\u00f4i xin l\u1ea7n l\u01b0\u1ee3t ph\u00e2n t\u00edch v\u1ec1 10 v\u1ea5n \u0111\u1ec1 tr\u00ean.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1128 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/271896193_4879766055419132_5721363976621987244_n-450x310.jpg\" alt=\"\" width=\"450\" height=\"310\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/271896193_4879766055419132_5721363976621987244_n-450x310.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/271896193_4879766055419132_5721363976621987244_n-1024x705.jpg 1024w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/271896193_4879766055419132_5721363976621987244_n-768x529.jpg 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/271896193_4879766055419132_5721363976621987244_n.jpg 1395w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><strong>1. V\u1ec1 vi\u1ec7c x\u00e1c \u0111\u1ecbnh ng\u01b0\u1eddi b\u1ecb h\u1ea1i v\u00e0 nguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1<\/strong><\/p>\n<p>1.1. NAVIBANK \u0111\u01b0\u1ee3c T\u00f2a \u00e1n x\u00e1c \u0111\u1ecbnh l\u00e0 \u201cNguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1\u201d. Tuy nhi\u00ean NAVIBANK \u0111\u00e3 c\u00f3 \u0111\u01a1n ki\u1ebfn ngh\u1ecb kh\u00f4ng th\u1eeba nh\u1eadn t\u01b0 c\u00e1ch n\u00e0y, v\u1edbi l\u00fd do nh\u01b0 sau:<\/p>\n<ul>\n<li>NAVIBANK kh\u00f4ng c\u00f3 \u0111\u01a1n y\u00eau c\u1ea7u b\u1ecb c\u00e1o b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 52 v\u1ec1 \u201cNguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng h\u00ecnh s\u1ef1 n\u0103m 2003: \u201c<em>Nguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1 l\u00e0 c\u00e1 nh\u00e2n, c\u01a1 quan, t\u1ed5 ch\u1ee9c b\u1ecb thi\u1ec7t h\u1ea1i do t\u1ed9i ph\u1ea1m g\u00e2y ra v\u00e0 c\u00f3 \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i<\/em>.\u201d;<\/li>\n<li>NAVIBANK kh\u00f4ng \u201c<em>\u0110\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 k\u1ebft qu\u1ea3 \u0111i\u1ec1u tra<\/em>\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 2, \u0110i\u1ec1u 52 v\u1ec1 \u201cNguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng h\u00ecnh s\u1ef1.<\/li>\n<li>NAVIBANK ch\u1ec9 bi\u1ebft m\u00ecnh b\u1ecb coi l\u00e0 nguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1 khi nh\u1eadn \u0111\u01b0\u1ee3c Gi\u1ea5y tri\u1ec7u t\u1eadp v\u00e0 Quy\u1ebft \u0111\u1ecbnh c\u1ee7a T\u00f2a \u00e1n v\u1ec1 vi\u1ec7c \u0111\u01b0a v\u1ee5 \u00e1n ra x\u00e9t x\u1eed.<\/li>\n<\/ul>\n<p>1.2. V\u00ec v\u1eady, theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng h\u00ecnh s\u1ef1, khi x\u00e1c \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng 200 t\u1ef7 \u0111\u1ed3ng, th\u00ec NAVIBANK kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1 trong m\u1ed1i quan h\u1ec7 v\u1edbi b\u1ecb c\u00e1o Nh\u01b0, m\u00e0 ph\u1ea3i l\u00e0 Nguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1 trong m\u1ed1i quan h\u1ec7 v\u1edbi b\u1ecb \u0111\u01a1n d\u00e2n s\u1ef1 l\u00e0 VietinBank.<\/p>\n<p><strong>2. V\u1ec1 vi\u1ec7c Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t:<\/strong><\/p>\n<p>2.1. K\u1ebft lu\u1eadn \u0111i\u1ec1u tra, th\u1ea9m v\u1ea5n v\u00e0 lu\u1eadn t\u1ed9i \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c ng\u01b0\u1eddi g\u1eedi ti\u1ec1n:<\/p>\n<ul>\n<li>Kh\u00f4ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u1ec1 qu\u1ea3n l\u00fd v\u1ed1n;<\/li>\n<li>Vi ph\u1ea1m tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/li>\n<\/ul>\n<p>2.2. Tr\u00ean th\u1ef1c t\u1ebf, NAVIBANK c\u00f3 nhu c\u1ea7u g\u1eedi ti\u1ec1n, VietinBank c\u00f3 nhu c\u1ea7u nh\u1eadn ti\u1ec1n g\u1eedi, \u0111\u01a1n thu\u1ea7n l\u00e0 c\u00e1c b\u00ean h\u01b0\u1edbng \u0111\u1ebfn nguy\u00ean l\u00fd c\u00e2n b\u1eb1ng ngu\u1ed3n v\u1ed1n v\u00e0 s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a th\u1ecb tr\u01b0\u1eddng. T\u1ea1i th\u1eddi \u0111i\u1ec3m NAVIBANK mang ti\u1ec1n \u0111i g\u1eedi VietinBank, kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p mang ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y \u0111i g\u1eedi ng\u00e2n h\u00e0ng kh\u00e1c. Hi\u1ec7n nay, v\u1ea5n \u0111\u1ec1 n\u00e0y ch\u1ec9 c\u00f3 thay \u0111\u1ed5i m\u1ed9t ch\u00fat, \u0111\u00f3 l\u00e0 gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng thay v\u00ec v\u1eeba g\u1eedi v\u1eeba vay ti\u1ec1n l\u1eabn nhau, thi nay th\u1ed1ng nh\u1ea5t c\u00f2n m\u1ed9t h\u00ecnh th\u1ee9c l\u00e0 vay ti\u1ec1n c\u1ee7a nhau.<\/p>\n<p>2.3. Xin ph\u00e9p H\u1ed9i \u0111\u1ed3ng x\u00e9t x\u1eed n\u00f3i v\u1ec1 b\u1ed1i c\u1ea3nh x\u1ea3y ra vi\u1ec7c vi ph\u1ea1m g\u1eedi ti\u1ec1n c\u1ee7a ph\u00eda b\u1ecb h\u1ea1i v\u00e0 nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a ph\u00eda b\u1ecb c\u00e1o v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng trong v\u1ee5 \u00e1n n\u00e0y. C\u00f3 l\u1ed7i ch\u1ee7 y\u1ebfu t\u1eeb c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch, ph\u00e1p lu\u1eadt: Kh\u00f4ng \u0111i\u1ec1u ho\u00e0 \u0111\u01b0\u01a1c ngu\u1ed3n v\u1ed1n, kh\u00f4ng \u0111i\u1ec1u ti\u1ebft \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n, kh\u00f4ng c\u00e2n b\u1eb1ng \u0111\u01b0\u1ee3c cung c\u1ea7u th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7, t\u1ea1o ra tr\u1ea1ng th\u00e1i ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan cho c\u1ea3 h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng. L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi \u0111\u1ed1i v\u1edbi h\u00e0ng ch\u1ee5c lo\u1ea1i k\u1ef3 h\u1ea1n t\u1eeb 1 tu\u1ea7n cho \u0111\u1ebfn 1 n\u0103m \u0111\u1ec1u th\u1eb3ng c\u0103ng m\u1ed9t m\u1ee9c nh\u01b0 nhau. C\u01a1 ch\u1ebf h\u00e0nh ch\u00ednh tr\u00e1i ng\u01b0\u1ee3c ho\u00e0n to\u00e0n v\u1edbi nguy\u00ean l\u00fd s\u01a1 \u0111\u1eb3ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng, \u0111\u00e3 ph\u1ee7 nh\u1eadn to\u00e0n b\u1ed9 y\u00eau c\u1ea7u c\u1ee7a th\u1ef1c t\u1ebf, \u0111i ng\u01b0\u1ee3c l\u1ea1i t\u1ea5t c\u1ea3 \u0111\u00f2i h\u1ecfi c\u1ee7a cu\u1ed9c s\u1ed1ng, \u0111\u00e3 hu\u1ef7 di\u1ec7t \u0111\u01b0\u1eddng cong l\u00e3i su\u1ea5t, \u0111\u1ea9y t\u1ea5t c\u1ea3 v\u00e0o ch\u00e2n t\u01b0\u1eddng, huy \u0111\u1ed9ng v\u01b0\u1ee3t tr\u1ea7n c\u0169ng ch\u1ebft m\u00e0 kh\u00f4ng v\u01b0\u1ee3t tr\u1ea7n c\u0169ng ch\u1ebft. Kh\u00f4ng th\u1ec3 n\u00e0o \u0111i tr\u00ean m\u1ed9t con \u0111\u01b0\u1eddng m\u00e0 \u0111i nhanh th\u00ec g\u1eb7p bi\u1ec3n c\u1ea5m v\u01b0\u1ee3t t\u1ed1c \u0111\u1ed9, t\u1ee9c v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t, m\u00e0 \u0111i ch\u1eadm th\u00ec b\u1ecb lo\u1ea1i kh\u1ecfi s\u00e2n ch\u01a1i, t\u1ee9c kh\u00f4ng th\u1ec3 huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c v\u1ed1n, \u0111\u1ed3ng ngh\u0129a v\u1edbi t\u1ef1 s\u00e1t, m\u1ea5t kh\u1ea3 n\u0103ng thanh kho\u1ea3n v\u00e0 s\u1ee5p \u0111\u1ed5 nhanh ch\u00f3ng. C\u1ea3 h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u1ea3i ch\u1ecbu s\u1ee9c \u00e9p gh\u00ea g\u1edbm, s\u1ed1ng c\u00f2n t\u1eeb vi\u1ec7c n\u00e0y. Cu\u1ed9c ch\u01a1i kh\u1eafc nghi\u1ec7t v\u00e0 b\u1ea5t \u0111\u1eafc d\u0129, bu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i nh\u1eadp cu\u1ed9c. V\u00e0 vi\u1ec7c ph\u00e1 r\u00e0o d\u01b0\u1eddng nh\u01b0 l\u00e0 c\u00e2u chuy\u1ec7n t\u1ea5t y\u1ebfu, d\u00f9 kh\u00f4ng ai mu\u1ed1n. G\u1ea7n nh\u01b0 kh\u00f4ng ng\u00e2n h\u00e0ng n\u00e0o \u0111\u1ee9ng ngo\u00e0i cu\u1ed9c ch\u1ea1y \u0111ua l\u00e3i su\u1ea5t, kh\u00f4ng nh\u1eadn ti\u1ec1n v\u01b0\u1ee3t tr\u1ea7n th\u00ec g\u1eedi ti\u1ec1n v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t, b\u1eb1ng \u0111\u1ee7 m\u1ecdi h\u00ecnh th\u1ee9c nh\u01b0 c\u1ed9ng th\u00eam l\u00e3i su\u1ea5t, t\u1eb7ng ti\u1ec1n m\u1eb7t, t\u1eb7ng v\u00e0ng, t\u1eb7ng qu\u00e0, chi\u1ebft kh\u1ea5u, h\u1ee3p \u0111\u1ed3ng \u0111\u1ea7u t\u01b0, ho\u00e1n \u0111\u1ed5i l\u00e3i su\u1ea5t, vay l\u00e3i th\u1ea5p \u0111\u1ec3 g\u1eedi l\u1ea1i l\u00e3i cao, c\u1ed1 t\u00ecnh tr\u1ea3 ch\u1eadm 1 ng\u00e0y th\u00e0nh qu\u00e1 h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u1ec3 \u201c\u0111\u01b0\u1ee3c\u201d tr\u1ea3 ph\u1ea1t b\u1eb1ng 150% l\u00e3i su\u1ea5t trong h\u1ea1n,&#8230; Kh\u00f4ng ph\u1ea3i t\u00ecnh th\u1ebf b\u1eaft bu\u1ed9c th\u00ec ch\u1eb3ng c\u00f3 ai d\u1ea1i g\u00ec t\u1ef1 nhi\u00ean \u0111i huy \u0111\u1ed9ng ti\u1ec1n, t\u1ee9c \u0111i mua h\u00e0ng, l\u1ea1i c\u1ee9 mu\u1ed1n mua \u0111\u1eaft, t\u00ecm m\u1ecdi c\u00e1ch tr\u1ea3 th\u00eam cho ng\u01b0\u1eddi g\u1eedi, t\u1ee9c ng\u01b0\u1eddi b\u00e1n. Tr\u1ea3 th\u00eam l\u00e3i su\u1ea5t v\u01b0\u1ee3t tr\u1ea7n r\u00f5 r\u00e0ng \u0111\u1ec3 l\u00e0m h\u1ea1i m\u00ecnh, th\u1ebf m\u00e0 v\u1eabn bu\u1ed9c ph\u1ea3i l\u00e0m. Ch\u1eb3ng qua l\u00e0 c\u1ef1c ch\u1eb3ng \u0111\u00e3 trong b\u1ed1i c\u1ea3nh quay cu\u1ed3ng. Nh\u00e0 nh\u00e0, ng\u01b0\u1eddi ng\u01b0\u1eddi, kh\u1eafp ch\u1ed1n c\u00f9ng n\u01a1i \u0111\u1ec1u vi ph\u1ea1m m\u1ed9t c\u00e1ch c\u00f4ng khai, k\u00e9o d\u00e0i; gian l\u1eadn tr\u00e0n lan, ph\u1ed5 bi\u1ebfn. Trong h\u1ed3 s\u01a1 v\u1ee5 \u00e1n c\u0169ng \u0111\u00e3 th\u1ec3 hi\u1ec7n r\u00f5, kh\u00f4ng ch\u1ec9 b\u1ecb c\u00e1o Huy\u1ec1n Nh\u01b0 m\u00e0 c\u1ea3 VietinBank c\u0169ng th\u1ef1c hi\u1ec7n vi\u1ec7c nh\u1eadn ti\u1ec1n g\u1eedi v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t. Tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u00e3 g\u00e2y ra cho h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng nh\u1eefng h\u1eadu qu\u1ea3 v\u00f4 c\u00f9ng kh\u1ee7ng khi\u1ebfp, \u0111\u00e3 hu\u1ef7 ho\u1ea1i \u0111\u1ea1o \u0111\u1ee9c, ph\u00e1 tan k\u1ef7 c\u01b0\u01a1ng, t\u00e0n ph\u00e1 tu\u00e2n th\u1ee7 c\u1ee7a c\u1ea3 H\u1ec7 th\u1ed1ng. T\u1ea5t c\u1ea3 \u0111\u00e3 b\u1ecb nh\u1ea5n ch\u00ecm trong h\u1eadu qu\u1ea3 tai h\u1ea1i c\u1ee7a tr\u1ea7n l\u00e3i su\u1ea5t. T\u1ea5t c\u1ea3 nh\u1eefng \u0111i\u1ec1u n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c h\u1ea7u h\u1ebft c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang c\u1ee7a \u0111\u1ea3ng v\u00e0 nh\u00e0 n\u01b0\u1edbc li\u00ean t\u1ee5c ph\u1ea3n \u00e1nh v\u00e0 kh\u1eb3ng \u0111\u1ecbnh. B\u1ea3n tin T\u00e0i ch\u00ednh Kinh doanh c\u1ee7a VTV1 v\u00e0o 7 gi\u1edd s\u00e1ng h\u00f4m qua (15-01-2014) v\u1eabn ti\u1ebfp t\u1ee5c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng. Th\u1ebf nh\u01b0ng su\u1ed1t m\u1ea5y n\u0103m qua, ch\u1ec9 c\u00f3 1-2 v\u1ee5 b\u1ecb ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd. V\u1eady th\u00ec qua v\u1ee5 \u00e1n n\u00e0y, c\u1ea7n ph\u1ea3i xem x\u00e9t l\u1ea1i l\u1ed7i h\u1ec7 th\u1ed1ng \u1edf \u0111\u00e2u, c\u1ea7n ph\u1ea3i x\u1eed l\u00fd nghi\u00eam kh\u1eafc nh\u1eb1m ch\u1ea5m d\u1ee9t t\u00ecnh tr\u1ea1ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t hay v\u00ec quy \u0111\u1ecbnh b\u1ea5t c\u1eadp, kh\u00f4ng h\u1ee3p l\u00fd, kh\u00f4ng \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng, th\u00ec c\u1ea7n ph\u1ea3i b\u1ecf ngay tr\u1ea7n l\u00e3i su\u1ea5t.<\/p>\n<p>2.4. T\u1ea5t nhi\u00ean, vi\u1ec7c g\u1eedi ti\u1ec1n v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t l\u00e0 sai, nh\u01b0ng sai \u0111\u1ebfn \u0111\u00e2u th\u00ec ch\u1ecbu \u0111\u1ebfn \u0111\u1ea5y. VietinBank tr\u1ea3 l\u00e3i su\u1ea5t v\u01b0\u1ee3t tr\u1ea7n th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p h\u1ea1ch to\u00e1n h\u1ee3p ph\u00e1p v\u00e0o ch\u00ed ph\u00ed. NAVIBANK g\u1eedi ti\u1ec1n v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p h\u01b0\u1edfng ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1. VietinBank tr\u00edch chuy\u1ec3n ti\u1ec1n kh\u1ecfi t\u1ea3i kho\u1ea3n ti\u1ec1n g\u1eedi sai, chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi theo h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi sang t\u00e0i kho\u1ea3n th\u1ebb ti\u1ebft ki\u1ec7m sai, nh\u1eadn c\u1ea7m c\u1ed1 ti\u1ec1n g\u1eedi sai, th\u00ec to\u00e0n b\u1ed9 nh\u1eefng giao d\u1ecbch \u0111\u00f3 l\u00e0 v\u00f4 hi\u1ec7u. S\u1ed1 ti\u1ec1n g\u1eedi 200 t\u1ef7 \u0111\u1ed3ng c\u1ee7a 4 nh\u00e2n vi\u00ean NAVIBANK l\u00e0 lo\u1ea1i h\u00ecnh h\u1ee3p ph\u00e1p, huy \u0111\u1ed9ng h\u1ee3p ph\u00e1p, ngu\u1ed3n ti\u1ec1n h\u1ee3p ph\u00e1p, t\u00e0i kho\u1ea3n h\u1ee3p ph\u00e1p, th\u1ee7 t\u1ee5c h\u1ee3p ph\u00e1p, h\u1ee3p \u0111\u1ed3ng h\u1ee3p ph\u00e1p, ch\u1eef k\u00fd h\u1ee3p ph\u00e1p v\u00e0 con d\u1ea5u h\u1ee3p ph\u00e1p. V\u00ec v\u1eady, \u0111\u01b0\u01a1ng nhi\u00ean h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd v\u00e0 ti\u1ec1n g\u1eedi ph\u1ea3i \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7. Ch\u1ec9 duy nh\u1ea5t c\u00f3 ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t tr\u1ea7n 14%\/n\u0103m l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p, v\u00e0 ch\u1ec9 v\u00f4 hi\u1ec7u ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t tr\u1ea7n. Vi\u1ec7c n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 476 v\u1ec1 \u201c<a name=\"_Toc326319940\"><\/a><a name=\"_Toc103888353\"><\/a><a name=\"_Toc102331512\"><\/a>L\u00e3i su\u1ea5t\u201d c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. \u0110\u00f3 l\u00e0 l\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn \u201c<em>nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng<\/em>\u201d. V\u00e0 trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y, th\u00ec \u201c\u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3.\u201d theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 476 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. T\u01b0\u01a1ng t\u1ef1 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y s\u1ebd ch\u1ec9 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi b\u1eb1ng m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t 14% theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>2.5. \u0110i\u1ec1u n\u00e0y c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch c\u1ee5 th\u1ec3 t\u1ea1i kho\u1ea3n 4, M\u1ee5c I v\u1ec1 \u201cTr\u01b0\u1eddng h\u1ee3p \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a ngh\u0129a v\u1ee5 v\u1ec1 t\u00e0i s\u1ea3n l\u00e0 c\u00e1c kho\u1ea3n ti\u1ec1n, v\u00e0ng\u201d, Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 01-TT\/LT ng\u00e0y 19-6-1997 c\u1ee7a To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao, Vi\u1ec7n ki\u1ec3m s\u00e1t nh\u00e2n d\u00e2n t\u1ed1i cao, B\u1ed9 T\u01b0 ph\u00e1p, B\u1ed9 T\u00e0i ch\u00ednh H\u01b0\u1edbng d\u1eabn vi\u1ec7c x\u00e9t x\u1eed v\u00e0 thi h\u00e0nh \u00e1n v\u1ec1 t\u00e0i s\u1ea3n v\u00e0 v\u1eabn \u0111ang \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho \u0111\u1ebfn hi\u1ec7n nay.<\/p>\n<p>2.6. Vi\u1ec7c g\u1eedi ti\u1ec1n v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t v\u00e0 kh\u00f4ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u1ec1 qu\u1ea3n l\u00fd v\u1ed1n (n\u1ebfu c\u00f3) th\u00ec c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 m\u1ea5t 200 t\u1ef7 \u0111\u1ed3ng c\u1ee7a NAVIBANK. Vi\u1ec7c m\u1ea5t ti\u1ec1n c\u1ee7a NAVIBANK l\u00e0 do b\u1ecb c\u00e1o Nh\u01b0 \u0111\u00e3 chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n c\u1ee7a VietinBank, v\u00e0 VietinBank \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i h\u1eadu qu\u1ea3 cho NAVIBANK.<\/p>\n<p><strong>3. V\u1ec1 vi\u1ec7c Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n h\u00e1m l\u1ee3i v\u00e0 ch\u1ea5p nh\u1eadn r\u1ee7i ro:<\/strong><\/p>\n<p>3.1. Trong b\u1ea3n tu\u1eadn t\u1ed9i c\u1ee7a v\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t c\u00f3 nh\u1eadn \u0111\u1ecbnh v\u1ec1 vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n g\u1eedi ti\u1ec1n v\u00e0o VietinBank, b\u1ecb m\u1ea5t ti\u1ec1n l\u00e0 v\u00ec:<\/p>\n<ul>\n<li>L\u00f2ng tham c\u1ee7a c\u00e1n b\u1ed9 qu\u1ea3n l\u00fd;<\/li>\n<li>Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ch\u1ea5p nh\u1eadn m\u1ecdi r\u1ee7i ro.<\/li>\n<\/ul>\n<p>3.2. \u0110\u00fang l\u00e0 v\u00ec l\u00f2ng tham n\u00ean g\u1eb7p r\u1ee7i ro, v\u00ec l\u00f2ng tham n\u00ean chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n v\u00e0 v\u00ec l\u00f2ng tham n\u00ean kh\u00f4ng tr\u1ea3 ti\u1ec1n ng\u01b0\u1eddi g\u1eedi. Tuy nhi\u00ean, \u201cl\u00f2ng tham\u201d g\u00e2y ra c\u00e1i g\u00ec th\u00ec ph\u1ea3i ch\u1ecbu c\u00e1i \u0111\u00f3, n\u1ebfu \u201cl\u00f2ng tham\u201d mang g\u1eedi t\u00edn d\u1ee5ng \u0111en th\u00ec \u0111\u00e0nh m\u1ea5t ti\u1ec1n. C\u00f2n \u201cl\u00f2ng tham\u201d g\u1eedi ti\u1ec1n v\u00e0o VietinBank th\u00ec VietinBank ph\u1ea3i tr\u1ea3 l\u1ea1i ti\u1ec1n g\u1eedi thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a \u201cl\u00f2ng tham\u201d. C\u00f3 ph\u00e1p lu\u1eadt v\u00e0 \u0111\u1ea1o l\u00fd n\u00e0o \u0111\u1ec3 gi\u1ea3i th\u00edch cho vi\u1ec7c, n\u1ebfu g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t, th\u00ec ph\u1ea3i m\u1ea5t quy\u1ec1n s\u1edf h\u1eefu to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n g\u1eedi.<\/p>\n<p>3.3. C\u00f2n ch\u1ea5p nh\u1eadn m\u1ecdi r\u1ee7i ro, th\u00ec c\u00f3 th\u1ec3 \u0111\u00fang v\u1edbi ai \u0111\u00f3, ch\u1ee9 kh\u00f4ng ph\u1ea3i v\u1edbi NAVIBANK. NAVIBANK \u0111\u00e3 l\u00e0m \u0111\u00fang quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c g\u1eedi ti\u1ec1n v\u00e0o VietinBank, \u0111\u00e3 th\u1eadn tr\u1ecdng c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng tr\u01b0\u1edbc giao d\u1ecbch g\u1eedi ti\u1ec1n. NAVIBANK kh\u00f4ng mang ti\u1ec1n g\u1eedi c\u00e1 nh\u00e2n Huy\u1ec1n Nh\u01b0, kh\u00f4ng mang ti\u1ec1n g\u1eedi nhi\u1ec1u ng\u00e2n h\u00e0ng h\u1ea1ng B, C, D, v\u1edbi l\u00e3i su\u1ea5t ch\u00eanh l\u1ec7nh v\u01b0\u1ee3t tr\u1ea7n c\u00f2n l\u1edbn h\u01a1n, m\u00e0 mang g\u1eedi m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c x\u1ebfp h\u1ea1ng A, uy t\u00edn th\u01b0\u01a1ng hi\u1ec7u h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam, m\u00e0 c\u00f2n kh\u00f4ng an to\u00e0n th\u00ec c\u00f2n \u1edf \u0111\u00e2u an to\u00e0n h\u01a1n. R\u1ee7i ro l\u00e0 do VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n h\u1ee3p ph\u00e1p. N\u1ebfu VietinBank h\u00e0nh x\u1eed \u0111\u00fang ph\u00e1p l\u00fd v\u00e0 \u0111\u1ea1o l\u00fd, th\u00ec NAVIBANK kh\u00f4ng bao gi\u1edd m\u1ea5t ti\u1ec1n.<\/p>\n<p>3.4. C\u00e1c l\u1ec7nh chi ti\u1ec1n ho\u00e0n to\u00e0n gi\u1ea3 m\u1ea1o, c\u0169ng nh\u01b0 vi\u1ec7c t\u1ef1 ti\u1ec7n chuy\u1ec3n t\u1eeb h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi sang th\u1ebb ti\u1ebft ki\u1ec7m r\u1ed3i c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m ho\u00e0n to\u00e0n gi\u1ea3 m\u1ea1o c\u1ee7a VietinBank, ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd v\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 l\u1ed7i c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, m\u1edbi ch\u00ednh l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh v\u00e0 duy nh\u1ea5t g\u00e2y ra vi\u1ec7c t\u1ed9i ph\u1ea1m chi\u1ebfm \u0111o\u1ea1t 200 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi \u0111ang trong t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi h\u1ee3p ph\u00e1p c\u1ee7a 4 nh\u00e2n vi\u00ean NAVIBANK t\u1ea1i VietinBank. Ch\u00ednh VietinBank \u0111\u00e3 nh\u1eadn c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n b\u1ea5t h\u1ee3p ph\u00e1p, Kho\u1ea3n 1, \u0110i\u1ec1u 320 v\u1ec1 \u201c<a name=\"_Toc326319757\"><\/a><a name=\"_Toc103888197\"><\/a><a name=\"_Toc102331356\"><\/a>V\u1eadt b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005: \u201c<em>V\u1eadt b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 ph\u1ea3i thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m v\u00e0 \u0111\u01b0\u1ee3c ph\u00e9p giao d\u1ecbch<\/em>.\u201d<\/p>\n<p><strong>4. V\u1ec1 vi\u1ec7c Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n tin nh\u1ea7m v\u00e0o t\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o:<\/strong><\/p>\n<p>4.1. Ph\u1ea7n lu\u1eadn t\u1ed9i c\u1ee7a v\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t \u0111\u00e3 cho r\u1eb1ng c\u00e1c \u0111\u01a1n v\u1ecb v\u00e0 c\u00e1 nh\u00e2n b\u1ecb thi\u1ec7t h\u1ea1i do:<\/p>\n<ul>\n<li>\u0110\u00e3 kh\u00f4ng c\u1ea3nh gi\u00e1c v\u00e0 th\u1eadn tr\u1ecdng tr\u01b0\u1edbc th\u00f4ng tin do b\u1ecb c\u00e1o Nh\u01b0 \u0111\u01b0a ra;<\/li>\n<li>\u0110\u00e3 tin v\u00e0o Huy\u1ec1n Nh\u01b0 m\u1ed9t c\u00e1ch v\u00f4 c\u0103n c\u1ee9.<\/li>\n<\/ul>\n<p>4.2. V\u1ec1 vi\u1ec7c kh\u00f4ng c\u1ea3nh gi\u00e1c v\u00e0 th\u1eadn tr\u1ecdng tr\u01b0\u1edbc th\u00f4ng tin do b\u1ecb c\u00e1o Nh\u01b0 \u0111\u01b0a ra, th\u00ec \u0111i\u1ec1u n\u00e0y ho\u00e0n to\u00e0n kh\u00f4ng x\u1ea3y ra \u0111\u1ed1i v\u1edbi giao d\u1ecbch g\u1eedi ti\u1ec1n c\u1ee7a 4 vi\u00ean NAVIBANK. H\u1ecd \u0111\u00e3 kh\u00f4ng h\u1ec1 cu\u1ed1n theo, kh\u00f4ng h\u1ec1 nh\u1ea7m l\u1eabn v\u00e0 kh\u00f4ng b\u1ecb l\u1eeba b\u1edfi c\u00e1c th\u00f4ng tin m\u00e0 Nh\u01b0 \u0111\u01b0a ra. Ti\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o \u0111\u00fang t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh t\u1ea1i VietinBank v\u00e0 kh\u00f4ng l\u00e0m b\u1ea5t k\u1ef3 \u0111i\u1ec1u g\u00ec sai tr\u00e1i \u0111\u1ec3 ti\u1ec1n b\u1ecb m\u1ea5t \u0111i.<\/p>\n<p>4.3. NAVIBANK c\u0169ng kh\u00f4ng tin v\u00e0o Huy\u1ec1n Nh\u01b0 m\u1ed9t c\u00e1ch v\u00f4 c\u0103n c\u1ee9. Huy\u1ec1n nh\u01b0 ch\u00ednh l\u00e0 m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c VietinBank tuy\u1ec3n d\u1ee5ng, b\u1ed1 tr\u00ed, ph\u00e2n c\u00f4ng, khen th\u01b0\u1edfng, b\u1ed5 nhi\u1ec7m, \u0111\u1ec1 cao, tr\u1ecdng d\u1ee5ng v\u00e0 giao cho tr\u00e1ch nhi\u1ec7m, quy\u1ec1n h\u1ea1n th\u1ef1c thi nhi\u1ec7m v\u1ee5, \u0111\u1ea1i di\u1ec7n cho VietinBank. V\u00ec v\u1eady, kh\u00f4ng th\u1ec3 cho r\u1eb1ng nh\u1eefng ng\u01b0\u1eddi b\u1ecb h\u1ea1i, trong \u0111\u00f3 c\u00f3 NAVIBANK tin v\u00e0o Huy\u1ec1n Nh\u01b0 v\u00f4 c\u0103n c\u1ee9. N\u1ebfu n\u00f3i tin v\u00e0o Huy\u1ec1n Nh\u01b0 m\u1ed9t c\u00e1ch v\u00f4 c\u0103n c\u1ee9, th\u00ec c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c tin v\u00e0o VietinBank m\u1ed9t c\u00e1ch v\u00f4 c\u0103n c\u1ee9. Ch\u1ec9 v\u00f4 c\u0103n c\u1ee9 n\u1ebfu Huy\u1ec1n Nh\u01b0 l\u00e0 m\u1ed9t lao \u0111\u1ed9ng t\u1ef1 do nh\u01b0ng \u0111\u00e3 m\u1ea1o danh c\u00e1n b\u1ed9 c\u1ee7a VietinBank \u0111\u1ec3 l\u1eeba \u0111\u1ea3o.<\/p>\n<p><strong>5. V\u1ec1 vi\u1ec7c giao d\u1ecbch kh\u00f4ng \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng v\u00e0 \u0111\u1ecba ch\u1ec9:<\/strong><\/p>\n<p>5.1. K\u1ebft lu\u1eadn \u0111i\u1ec1u tra v\u00e0 ph\u1ea7n lu\u1eadn t\u1ed9i c\u1ee7a v\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t cho r\u1eb1ng c\u00e1c \u0111\u01a1n v\u1ecb v\u00e0 c\u00e1 nh\u00e2n b\u1ecb thi\u1ec7t h\u1ea1i \u0111\u00e3 c\u00f3 nh\u1eefng l\u1ed7i l\u1ea7m, sai tr\u00e1i sau:<\/p>\n<ul>\n<li>G\u1eedi s\u1ed1 ti\u1ec1n r\u1ea5t l\u1edbn nh\u01b0ng kh\u00f4ng t\u00ecm hi\u1ec3u th\u00f4ng tin, kh\u00f4ng g\u1eb7p ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n k\u00fd h\u1ee3p \u0111\u1ed3ng;<\/li>\n<li>G\u1eedi ti\u1ec1n nh\u01b0ng kh\u00f4ng \u0111\u1ebfn \u0111\u1ecba \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a VietinBank; m\u1ecdi giao d\u1ecbch \u0111\u1ec1u th\u00f4ng qua b\u1ecb c\u00e1o Nh\u01b0 ngo\u00e0i tr\u1ee5 s\u1edf VietinBank.<\/li>\n<\/ul>\n<p>5.2. Thi\u1ebft ngh\u0129 kh\u00f4ng th\u1ec3 \u0111\u00f2i h\u1ecfi ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ph\u1ea3i t\u00ecm hi\u1ec3u nh\u1eefng th\u00f4ng tin g\u00ec n\u1eefa v\u1ec1 m\u1ed9t ng\u00e2n h\u00e0ng l\u1edbn, uy t\u00edn, \u0111\u01b0\u1eddng \u0111\u01b0\u1eddng ch\u00ednh ch\u00ednh \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p. Ng\u01b0\u1eddi g\u1eedi m\u1ed9t v\u00e0i ch\u1ee5c t\u1ef7 \u0111\u1ed3ng v\u00e0o ng\u00e2n h\u00e0ng kh\u00e1 nhi\u1ec1u (20% s\u1ed1 kh\u00e1ch h\u00e0ng chi\u1ebfm 80% s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng), \u0111\u1eb7c bi\u1ec7t g\u1eedi ti\u1ec1n t\u1ea1i m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t Vi\u1ec7t Nam. Theo th\u00f4ng l\u1ec7, v\u1edbi uy t\u00edn s\u1eebng s\u1eefng c\u1ee7a ng\u00e2n h\u00e0ng, th\u00ec v\u1edbi c\u00e1c giao d\u1ecbch n\u00e0y, kh\u00e1ch h\u00e0ng ch\u1eb3ng c\u00f3 l\u00fd do g\u00ec ph\u1ea3i l\u00e0m vi\u1ec7c v\u1edbi ng\u01b0\u1eddi k\u00fd h\u1ee3p \u0111\u1ed3ng. \u0110i\u1ec1u n\u00e0y c\u0169ng gi\u1ed1ng nh\u01b0 vi\u1ec7c, c\u00e1c T\u1ed5ng gi\u00e1m \u0111\u1ed1c doanh nghi\u1ec7p c\u0169ng th\u01b0\u1eddng xuy\u00ean l\u00e0m vi\u1ec7c v\u00e0 k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u1edbi nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i c\u00e1c ph\u00f2ng (v\u0103n ph\u00f2ng) c\u00f4ng ch\u1ee9ng.<\/p>\n<p>5.3. Vi\u1ec7c nh\u1eadn h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n (nh\u1ea5t l\u00e0 t\u00e0i kho\u1ea3n th\u1ebb) v\u00e0 vi\u1ec7c giao d\u1ecbch g\u1eedi v\u00e0 r\u00fat ti\u1ec1n g\u1eedi ngo\u00e0i tr\u1ee5 s\u1edf ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 g\u00ec sai ph\u00e1p lu\u1eadt. Th\u1eadm ch\u00ed nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 v\u00e0 v\u1eabn \u0111ang khuy\u1ebfn kh\u00edch s\u1eed d\u1ee5ng \u0111\u1ec3 ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng, c\u1ea1nh tranh thu h\u00fat ti\u1ec1n g\u1eedi v\u00e0 d\u1ecbch v\u1ee5. Ch\u00ednh VietinBank c\u0169ng c\u00f3 h\u00ecnh th\u1ee9c d\u1ecbch v\u1ee5 giao d\u1ecbch t\u1ea1i nh\u00e0 kh\u00e1ch h\u00e0ng. C\u00e1c ng\u00e2n h\u00e0ng c\u00f2n khuy\u1ebfn kh\u00edch, th\u1eadm ch\u00ed l\u00e0 b\u1eaft bu\u1ed9c m\u1ecdi nh\u00e2n vi\u00ean tham gia huy \u0111\u1ed9ng v\u1ed1n cho ng\u00e2n h\u00e0ng nh\u01b0 VietinBank. \u0110\u1ed1i v\u1edbi NAVIBANK, th\u00ec nh\u1eefng giao d\u1ecbch quan tr\u1ecdng nh\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang lu\u1eadt v\u00e0 di\u1ec5n ra t\u1ea1i tr\u1ee5 s\u1edf VietinBank: T\u00e0i kho\u1ea3n, h\u1ee3p \u0111\u1ed3ng th\u1eadt c\u1ee7a VietinBank c\u1ea5p cho kh\u00e1ch h\u00e0ng v\u00e0 ti\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o \u0111\u00fang t\u00e0i kho\u1ea3n c\u1ee7a ch\u00ednh kh\u00e1ch h\u00e0ng. VietinBank kh\u00f4ng th\u1ec3 t\u1eeb ch\u1ed1i s\u1ef1 th\u1eadt l\u00e0 c\u00e1c giao d\u1ecbch t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi \u0111\u00e3 c\u00f3 trong B\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n h\u1eb1ng ng\u00e0y c\u1ee7a VietinBank ch\u1ee9 kh\u00f4ng ph\u1ea3i giao d\u1ecbch ngo\u00e0i lu\u1ed3ng, kh\u00f4ng v\u00e0o s\u1ed5 s\u00e1ch.<\/p>\n<p><span style=\"background-color: #d5d5d5;\">5.4. <\/span>Gi\u1ea3 s\u1eed c\u00f3 th\u1eadt vi\u1ec7c m\u1ecdi giao d\u1ecbch \u0111\u1ec1u th\u00f4ng qua b\u1ecb c\u00e1o Nh\u01b0 ngo\u00e0i tr\u1ee5 s\u1edf VietinBank, th\u00ec c\u0169ng l\u00e0 \u0111i\u1ec1u ph\u00e1p lu\u1eadt cho ph\u00e9p. \u0110i\u1ec1u 403 v\u1ec1 \u201c\u0110\u1ecba \u0111i\u1ec3m giao k\u1ebft h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1\u201d B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh nh\u01b0 sau: \u201c<em>\u0110\u1ecba \u0111i\u1ec3m giao k\u1ebft h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn; n\u1ebfu kh\u00f4ng c\u00f3 tho\u1ea3 thu\u1eadn th\u00ec \u0111\u1ecba \u0111i\u1ec3m giao k\u1ebft h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 l\u00e0 n\u01a1i c\u01b0 tr\u00fa c\u1ee7a c\u00e1 nh\u00e2n ho\u1eb7c tr\u1ee5 s\u1edf c\u1ee7a ph\u00e1p nh\u00e2n \u0111\u00e3 \u0111\u01b0a ra \u0111\u1ec1 ngh\u1ecb giao k\u1ebft h\u1ee3p \u0111\u1ed3ng<\/em>.\u201d<\/p>\n<p>5.5. N\u1ebfu nh\u01b0 v\u00ec l\u00fd do kh\u00f4ng t\u00ecm hi\u1ec3u th\u00f4ng tin, kh\u00f4ng g\u1eb7p ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n k\u00fd h\u1ee3p \u0111\u1ed3ng, kh\u00f4ng \u0111\u1ebfn \u0111\u1ecba \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a VietinBank m\u00e0 d\u1eabn \u0111\u1ebfn ti\u1ec1n b\u1ecb chuy\u1ec3n m\u1ea5t \u0111i \u0111\u00e2u \u0111\u00f3, th\u00ec \u0111\u00fang l\u00e0 \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho t\u1ed9i ph\u1ea1m chi\u1ebfm \u0111o\u1ea1t. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi NAVIBANK, th\u00ec \u0111i\u1ec1u n\u00e0y ch\u1eb3ng c\u00f3 \u1ea3nh h\u01b0\u1edfng g\u00ec v\u00ec ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n qua h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng (CITAD), \u0111\u00e3 v\u00e0o \u0111\u00fang t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh. Ch\u1ec9 c\u00f3 \u0111i\u1ec1u, n\u00f3 \u0111\u00e3 b\u1ecb VietinBank chuy\u1ec3n \u0111i v\u00e0 \u0111\u1ecbnh \u0111o\u1ea1t m\u1ed9t c\u00e1ch sai tr\u00e1i, ho\u00e0n to\u00e0n v\u00f4 c\u0103n c\u1ee9 v\u00e0 kh\u00f4ng c\u00f3 c\u00f3 s\u1edf ph\u00e1p l\u00fd.<\/p>\n<p><strong>6. V\u1ec1 vi\u1ec7c Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u201cKh\u00f4ng m\u1edf t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u00fang tr\u00ecnh t\u1ef1\u201d:<\/strong><\/p>\n<p>6.1. \u0110\u00e2y l\u00e0 m\u1ed9t trong hai n\u1ed9i dung \u0111\u01b0\u1ee3c ghi trong C\u00e1o tr\u1ea1ng, ph\u1ea7n vi\u1ebft v\u1ec1 NAVIBANK. Tuy nhi\u00ean 4 nh\u00e2n vi\u00ean NAVIBANK g\u1eedi ti\u1ec1n t\u1ea1i VietinBank l\u00e0 g\u1eedi ti\u1ec1n theo h\u00ecnh th\u1ee9c t\u00e0i kho\u1ea3n h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u00e3 ho\u00e0n th\u00e0nh th\u1ee7 t\u1ee5c t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi v\u00e0 \u0111\u01b0\u1ee3c c\u1ea5p t\u00e0i kho\u1ea3n h\u1ee3p ph\u00e1p.<\/p>\n<p>6.2. Kho\u1ea3n 3, \u0110i\u1ec1u 4 v\u1ec1 \u201cH\u1ed3 s\u01a1 m\u1edf t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d, Quy ch\u1ebf M\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN2 ng\u00e0y 21-11-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n ch\u1ec9 g\u1ed3m 2 lo\u1ea1i gi\u1ea5y t\u1edd ch\u00ednh l\u00e0 \u201c<em>Gi\u1ea5y \u0111\u1ec1 ngh\u1ecb m\u1edf t\u00e0i kho\u1ea3n\u201d <\/em>v\u00e0<em> \u201cC\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng minh t\u01b0 c\u00e1ch c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n, ng\u01b0\u1eddi gi\u00e1m h\u1ed9 h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi ch\u01b0a th\u00e0nh ni\u00ean, ng\u01b0\u1eddi m\u1ea5t n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1, ng\u01b0\u1eddi h\u1ea1n ch\u1ebf n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1.\u201d<\/em>. Nh\u01b0 v\u1eady, nh\u1eadn \u0111\u1ecbnh c\u1ee7a C\u00e1o tr\u1ea1ng l\u00e0 sai l\u1ea7m, kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd.<\/p>\n<p><strong>7. V\u1ec1 vi\u1ec7c Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m \u201ckh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m\u201d:<\/strong><\/p>\n<p>7.1. C\u00e1o tr\u1ea1ng nh\u1eadn \u0111\u1ecbnh: C\u00e1c nh\u00e2n vi\u00ean c\u1ee7a Navibank g\u1eedi ti\u1ec1n nh\u01b0ng<strong><em> \u201c<\/em><\/strong><em>\u0111\u00e3 kh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m m\u00e0 \u0111\u1ec3 Nh\u01b0 \u0111\u00e3 t\u1ef1 tr\u00edch chuy\u1ec3n t\u1eeb t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n n\u00e0y m\u1edf t\u1ea1i VietinBank<\/em>\u201d:<\/p>\n<p>7.2. B\u1ed1n nh\u00e2n vi\u00ean NAVIBANK g\u1eedi ti\u1ec1n theo h\u00ecnh th\u1ee9c H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi, \u0111\u00e3 gi\u1eef c\u00e1c H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi h\u1ee3p ph\u00e1p do VietinBank HCM k\u00fd t\u00ean, \u0111\u00f3ng d\u1ea5u. Nh\u01b0 v\u1eady, giao d\u1ecbch g\u1eedi 200 t\u1ef7 \u0111\u1ed3ng c\u1ee7a 4 nh\u00e2n vi\u00ean NAVIBANK \u0111\u00e3 ho\u00e0n t\u1ea5t. Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u00e3 th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u0169ng nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a VietinBank. Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n kh\u00f4ng g\u1eedi ti\u1ec1n theo h\u00ecnh th\u1ee9c ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, v\u00ec v\u1eady kh\u00f4ng bao gi\u1edd c\u00f3 th\u1ebb ti\u1ebft ki\u1ec7m, v\u00e0 kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m. \u0110i\u1ec1u n\u00e0y c\u0169ng v\u00f4 l\u00fd ch\u1eb3ng kh\u00e1c n\u00e0o \u0111\u00f2i h\u1ecfi kh\u00e1ch h\u00e0ng mua m\u1ed9t n\u1ea3i chu\u1ed1i trong si\u00eau th\u1ecb, ngo\u00e0i phi\u1ebfu mua h\u00e0ng, c\u00f2n ph\u1ea3i c\u00f3 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf mua b\u00e1n chu\u1ed1i th\u00ec m\u1edbi \u0111\u01b0\u1ee3c ra kh\u1ecfi si\u00eau th\u1ecb.<\/p>\n<p>7.3. Nh\u01b0 v\u1eady, C\u00e1o tr\u1ea1ng \u0111\u00e3 sai l\u1ea7m \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng v\u1ec1 ph\u00e1p l\u00fd, tr\u00e1i ho\u00e0n to\u00e0n v\u1edbi th\u1ef1c t\u1ebf v\u00e0 ng\u01b0\u1ee3c v\u1edbi b\u1ea3n ch\u1ea5t s\u1ef1 vi\u1ec7c khi nh\u1eadn \u0111\u1ecbnh: \u201c<em>s\u1ed1 ti\u1ec1n 200 t\u1ef7 \u0111\u1ed3ng c\u00f3 trong t\u00e0i kho\u1ea3n c\u1ee7a 04 nh\u00e2n vi\u00ean Navibank m\u1edf t\u1ea1i VietinBank do c\u00e1c c\u00e1 nh\u00e2n n\u00e0y kh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m v\u00e0 kh\u00f4ng m\u1edf t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u00fang tr\u00ecnh t\u1ef1 n\u00ean \u0111\u00e3 b\u1ecb Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t tr\u1ea3 cho nhi\u1ec1u \u0111\u01a1n v\u1ecb v\u00e0 c\u00e1 nh\u00e2n<\/em>\u201d.<\/p>\n<p><strong>8. V\u1ec1 vi\u1ec7c Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u00e3 kh\u00f4ng th\u1ef1c hi\u1ec7n tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh:<\/strong><\/p>\n<p>8.1. \u0110\u1ea1i di\u1ec7n VietinBank \u0111\u00e3 \u0111\u1ecdc v\u0103n b\u1ea3n tr\u1ea3 l\u1eddi c\u00e1c c\u00e2u h\u1ecfi c\u1ee7a lu\u1eadt s\u01b0 t\u1ea1i Phi\u00ean t\u00f2a ng\u00e0y 10-01-2014 cho r\u1eb1ng, kh\u00e1ch h\u00e0ng c\u00f3 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n, VietinBank kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n. C\u1ea7n ph\u1ea3i kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng, tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n tr\u01b0\u1edbc h\u1ebft v\u00e0 ch\u1ee7 y\u1ebfu thu\u1ed9c v\u1ec1 ng\u00e2n h\u00e0ng. C\u1ee5m t\u1eeb v\u1ec1 tr\u00e1ch nhi\u1ec7m \u201cqu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n\u201d c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00eau t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 67 v\u1ec1 \u201cPhong t\u1ecfa t\u00e0i kho\u1ea3n\u201d, Lu\u1eadt Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 n\u0103m 2008 quy \u0111\u1ecbnh \u201c<em>C\u01a1 quan, t\u1ed5 ch\u1ee9c \u0111ang qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n ph\u1ea3i th\u1ef1c hi\u1ec7n ngay quy\u1ebft \u0111\u1ecbnh c\u1ee7a Ch\u1ea5p h\u00e0nh vi\u00ean v\u1ec1 phong to\u1ea3 t\u00e0i kho\u1ea3n.<\/em>\u201d \u0110\u01b0\u01a1ng nhi\u00ean ph\u1ea3i hi\u1ec3u r\u1eb1ng ng\u01b0\u1eddi \u201cqu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n\u201d l\u00e0 ng\u00e2n h\u00e0ng ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ch\u1ee7 t\u00e0i kho\u1ea3n, v\u00ec nghi\u1ec7p v\u1ee5 \u201cphong t\u1ecfa t\u00e0i kho\u1ea3n\u201d ch\u1ec9 d\u00e0nh ri\u00eang cho ng\u00e2n h\u00e0ng, ch\u1ee9 kh\u00f4ng bao gi\u1edd l\u00e0 c\u1ee7a kh\u00e1ch h\u00e0ng. Kho\u1ea3n 5, \u0110i\u1ec1u 3 v\u1ec1 \u201cNh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 116\/2013\/N\u0110-CP ng\u00e0y 04-10-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 Quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Lu\u1eadt Ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n c\u0169ng quy \u0111\u1ecbnh, ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng trong \u201cd\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng\u201d. Trong m\u1ed9t m\u1ee5c tr\u00ean trang web c\u1ee7a VietinBank t\u1ea1i th\u1eddi \u0111i\u1ec3m s\u00e1ng h\u00f4m nay (16-01-2014) gi\u1edbi thi\u1ec7u l\u1ee3i \u00edch \u0111\u1ea7u ti\u00ean trong s\u1ed1 10 l\u1ee3i \u00edch c\u1ee7a d\u1ecbch v\u1ee5 t\u00e0i kho\u1ea3n l\u00e0: \u201c<em>Ti\u1ec1n tr\u00ean t\u00e0i kho\u1ea3n c\u1ee7a Qu\u00fd kh\u00e1ch s\u1ebd \u0111\u01b0\u1ee3c VietinBank qu\u1ea3n l\u00fd an to\u00e0n, ch\u00ednh x\u00e1c v\u00e0 b\u1ea3o m\u1eadt<\/em>\u201d. R\u1ea5t hay v\u00e0 \u0111\u00fang lu\u1eadt!<\/p>\n<p>8.2. Kho\u1ea3n 2, \u0110i\u1ec1u 10 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n\u201d, Quy ch\u1ebf s\u1ed1 1284\/2002\/Q\u0110-NHNN2 quy \u0111\u1ecbnh ch\u1ee7 t\u00e0i kho\u1ea3n c\u00f3 tr\u00e1ch nhi\u1ec7m \u201c<em>T\u1ef1 t\u1ed5 ch\u1ee9c h\u1ea1ch to\u00e1n, theo d\u00f5i s\u1ed1 d\u01b0 tr\u00ean t\u00e0i kho\u1ea3n, \u0111\u1ed1i chi\u1ebfu v\u1edbi Gi\u1ea5y b\u00e1o N\u1ee3, Gi\u1ea5y b\u00e1o C\u00f3, ho\u1eb7c Gi\u1ea5y b\u00e1o s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n do Ng\u00e2n h\u00e0ng n\u01a1i m\u1edf t\u00e0i kho\u1ea3n g\u1eedi \u0111\u1ebfn<\/em>.\u201d M\u1ed9t trong nh\u1eefng quy\u1ec1n quan tr\u1ecdng nh\u1ea5t c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n l\u00e0 \u0111\u01b0\u1ee3c ra l\u1ec7nh cho ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n c\u00e1c y\u00eau c\u1ea7u thanh to\u00e1n, r\u00fat ti\u1ec1n, chuy\u1ec3n ti\u1ec1n. Nh\u01b0ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c quy\u1ec1n n\u00e0y, th\u00ec \u0111\u1ed3ng th\u1eddi kh\u00e1ch h\u00e0ng ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m theo d\u00f5i s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n, \u0111\u1ec3 bi\u1ebft ti\u1ec1n c\u00f2n hay h\u1ebft \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n h\u00e0ng hay tr\u1ea3 l\u01b0\u01a1ng, \u0111\u1ec3 ra l\u1ec7nh chi hay h\u1ea1ch to\u00e1n k\u1ebf to\u00e1n,\u2026 ch\u1ee9 kh\u00f4ng th\u1ec3 y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng thanh to\u00e1n cho m\u1ee5c \u0111\u00edch tr\u00e1i lu\u1eadt hay chuy\u1ec3n ti\u1ec1n khi t\u00e0i kho\u1ea3n tr\u1ed1ng r\u1ed7ng. Kh\u00e1ch h\u00e0ng theo d\u00f5i s\u1ed1 d\u01b0 c\u00f2n \u0111\u1ec3, n\u1ebfu th\u1ea5y c\u00f3 d\u1ea5u hi\u1ec7u b\u1ecb x\u00e2m ph\u1ea1m, th\u00ec l\u1eadp t\u1ee9c y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng x\u1eed l\u00fd, ng\u0103n ch\u1eb7n \u0111\u1ec3 b\u1ea3o v\u1ec7. Tuy nhi\u00ean, v\u1ec1 nguy\u00ean t\u1eafc, \u0111\u00e3 g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, d\u00f9 kh\u00f4ng ki\u1ec3m tra t\u00e0i kho\u1ea3n, kh\u00f4ng \u0111\u1ed1i chi\u1ebfu, th\u1eadm ch\u00ed b\u1ecf qu\u00ean h\u1eb3n t\u00e0i kho\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng m\u1ed9t v\u00e0i ch\u1ee5c n\u0103m, th\u00ec c\u0169ng kh\u00f4ng v\u00ec th\u1ebf m\u00e0 b\u1ecb m\u1ea5t ti\u1ec1n g\u1eedi. V\u00ec tr\u00e1ch nhi\u1ec7m quan tr\u1ecdng nh\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 \u0111\u00f2i h\u1ecfi cao nh\u1ea5t c\u1ee7a ph\u00e1p lu\u1eadt, nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00f4ng ch\u00fang, l\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m an to\u00e0n tuy\u1ec7t \u0111\u1ed1i ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p>8.3. Ch\u1ee7 t\u00e0i kho\u1ea3n kh\u00f4ng th\u1ec3 t\u1ef1 m\u00ecnh giao d\u1ecbch r\u00fat ti\u1ec1n, chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n n\u1ebfu nh\u01b0 kh\u00f4ng c\u00f3 s\u1ef1 cho ph\u00e9p c\u1ee7a ng\u00e2n h\u00e0ng. Th\u1eadm ch\u00ed \u0111\u00fang l\u00e0 ch\u1ee7 t\u00e0i kho\u1ea3n \u0111\u00e3 k\u00fd l\u1ec7nh thanh to\u00e1n, nh\u01b0ng n\u1ebfu ch\u1eef k\u00fd kh\u00f4ng gi\u1ed1ng v\u1edbi \u0111\u0103ng k\u00fd hay k\u00fd b\u1eb1ng m\u1ef1c \u0111\u1ecf, th\u00ec ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n \u0111\u1ed3ng th\u1eddi ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 t\u1eeb ch\u1ed1i th\u1ef1c hi\u1ec7n l\u1ec7nh chi. Vi\u1ec7c n\u00e0y c\u00f3 th\u1ec3 v\u00ed nh\u01b0 kh\u00e1ch h\u00e0ng c\u1ea7m ch\u00eca kh\u00f3a, c\u00f2n ng\u00e2n h\u00e0ng gi\u1eef \u1ed5 kh\u00f3a. Ch\u00eca kh\u00f3a ho\u00e0n to\u00e0n v\u00f4 t\u00e1c d\u1ee5ng n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p m\u1edf kh\u00f3a, nh\u01b0ng ng\u01b0\u1ee3c l\u1ea1i kh\u00f3a v\u1eabn c\u00f3 th\u1ec3 b\u1ecb m\u1edf tung m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 \u0111\u00fang ch\u00eca c\u1ee7a kh\u00e1ch h\u00e0ng, v\u00ec c\u00f3 th\u1ec3 d\u00f9ng ch\u00eca kh\u00e1c ho\u1eb7c b\u1ecb x\u00e2m ph\u1ea1m. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0, d\u00f9 t\u1ed9i ph\u1ea1m c\u00f3 gi\u1eadt \u0111\u01b0\u1ee3c ch\u00eca, th\u00ec c\u0169ng kh\u00f4ng d\u1ec5 g\u00ec chi\u1ebfm \u0111o\u1ea1t \u0111\u01b0\u1ee3c ti\u1ec1n trong t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng, v\u00ec ng\u00e2n h\u00e0ng m\u1edbi l\u00e0 ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng trong vi\u1ec7c m\u1edf kh\u00f3a v\u00e0 xu\u1ea5t ti\u1ec1n. Ng\u00e2n h\u00e0ng l\u00e0 h\u1ea7u bao gi\u1eef ti\u1ec1n, t\u1ed9i ph\u1ea1m mu\u1ed1n l\u1ea5y ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng, th\u00ec bu\u1ed9c ph\u1ea3i t\u00ecm c\u00e1ch r\u00fat ru\u1ed9t ng\u00e2n h\u00e0ng.<\/p>\n<p>8.4. Quy ch\u1ebf s\u1ed1 1284\/2002\/Q\u0110-NHNN2 c\u0169ng \u0111\u00e3 \u0111\u1ed3ng th\u1eddi quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 10 v\u00e0 \u0110i\u1ec1u 12, kh\u00e1ch h\u00e0ng th\u00ec ph\u1ea3i \u201c<em>ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng sai s\u00f3t hay h\u00e0nh vi l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n do l\u1ed7i c\u1ee7a m\u00ecnh<\/em>.\u201d, c\u00f2n ng\u00e2n h\u00e0ng th\u00ec ph\u1ea3i \u201c<em>ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i, vi ph\u1ea1m, l\u1ee3i d\u1ee5ng tr\u00ean t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng do l\u1ed7i c\u1ee7a m\u00ecnh<\/em>.\u201d Kh\u00e1ch h\u00e0ng \u0111\u1ec3 l\u1ed9 m\u1eadt kh\u1ea9u chuy\u1ec3n ti\u1ec1n \u0111i\u1ec7n t\u1eed, n\u1ebfu b\u1ecb m\u1ea5t ti\u1ec1n th\u00ec l\u00e0 do l\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng, nh\u01b0ng n\u1ebfu ng\u00e2n h\u00e0ng \u0111\u1ec3 k\u1ebb gian (nh\u1ea5t l\u00e0 n\u1ed9i b\u1ed9) \u0111\u00e1nh c\u1eafp m\u1eadt kh\u1ea9u c\u1ee7a kh\u00e1ch h\u00e0ng th\u00ec xin ng\u00e2n h\u00e0ng \u0111\u1eebng n\u00f3i l\u00e0 kh\u00e1ch h\u00e0ng t\u1ef1 ch\u1ecbu m\u1ea5t ti\u1ec1n. C\u00e1c kh\u00e1ch h\u00e0ng l\u00e0 nh\u00e2n vi\u00ean NAVIBANK kh\u00f4ng h\u1ec1 k\u00fd l\u1ec7nh chi ti\u1ec1n, hay h\u00ecnh th\u1ee9c kh\u00e1c \u0111\u1ec3 \u0111\u1ecbnh \u0111o\u1ea1t ti\u1ec1n ti\u1ec1n g\u1eedi,\u2026 th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 kh\u00f4ng c\u00f3 l\u1ed7i trong vi\u1ec7c ti\u1ec1n b\u1ecb \u201cbi\u1ebfn m\u1ea5t\u201d kh\u1ecfi t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh.<\/p>\n<p>8.5. \u0110\u1ea1i di\u1ec7n VietinBank \u0111\u00e3 \u0111\u1ecdc v\u0103n b\u1ea3n tr\u1ea3 l\u1eddi c\u00e1c lu\u1eadt s\u01b0 t\u1ea1i Phi\u00ean t\u00f2a ng\u00e0y 10-01-2014 cho r\u1eb1ng, nh\u1eefng quy \u0111\u1ecbnh tr\u00ean ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, ch\u1ee9 kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt th\u00ec t\u00e0i kho\u1ea3n thanh to\u00e1n c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t lo\u1ea1i ti\u1ec1n g\u1eedi v\u00e0 c\u01a1 b\u1ea3n kh\u00f4ng c\u00f3 s\u1ef1 kh\u00e1c nhau v\u1ec1 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd gi\u1eefa hai lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y. Kho\u1ea3n 22, \u0110i\u1ec1u 4, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 \u0111\u00e3 gi\u1ea3i th\u00edch r\u00f5 \u201c<em>T\u00e0i kho\u1ea3n thanh to\u00e1n l\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a kh\u00e1ch h\u00e0ng m\u1edf t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ec3 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n do ng\u00e2n h\u00e0ng cung \u1ee9ng.<\/em>\u201d Kh\u00f4ng nh\u1eefng th\u1ebf, Quy ch\u1ebf s\u1ed1 1284\/2002\/Q\u0110-NHNN2 c\u00f2n x\u00e1c \u0111\u1ecbnh c\u1ee5 th\u1ec3 h\u01a1n, \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, t\u00e0i kho\u1ea3n s\u00e9c b\u1ea3o chi, t\u00e0i kho\u1ea3n chuy\u1ec3n ti\u1ec1n, t\u00e0i kho\u1ea3n ti\u1ec1n vay,&#8230;\u201d \u0111\u1ec1u l\u00e0 \u201cc\u00e1c t\u00e0i kho\u1ea3n thanh to\u00e1n kh\u00e1c\u201d.<\/p>\n<p><strong>9. V\u1ec1 vi\u1ec7c VietinBank kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 c\u00e1c l\u1ec7nh chi gi\u1ea3:<\/strong><\/p>\n<p>9.1. L\u1eddi lu\u1eadn t\u1ed9i c\u1ee7a v\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t c\u00f3 nh\u1eadn \u0111\u1ecbnh: T\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o coi nh\u01b0 \u0111\u00e3 ho\u00e0n th\u00e0nh ngay sau khi ACB v\u00e0 NAVIBANK chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi (theo \u0110i\u1ec1u 2 c\u1ee7a H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi). \u0110\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y, coi nh\u01b0 ti\u1ec1n \u0111\u00e3 b\u1ecb m\u1ea5t, m\u1ee5c \u0111\u00edch c\u1ee7a b\u1ecb c\u00e1o \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c theo s\u1ef1 d\u1eabn d\u1ee5 c\u1ee7a b\u1ecb c\u00e1o. C\u00e1c l\u1ec7nh chi ti\u1ec1n gi\u1ea3 do VietinBank th\u1ef1c hi\u1ec7n ch\u1ec9 l\u00e0 nh\u1eefng b\u01b0\u1edbc ti\u1ebfp theo \u0111\u1ec3 chuy\u1ec3n s\u1ed1 ti\u1ec1n \u0111\u00e3 chi\u1ebfm \u0111o\u1ea1t \u0111\u01b0\u1ee3c. T\u1ee9c l\u00e0 VietinBank kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 c\u00e1c l\u1ec7nh chi gi\u1ea3 l\u00e0m m\u1ea5t ti\u1ec1n trong t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p>9.2. Nh\u1eadn \u0111\u1ecbnh tr\u00ean l\u00e0 v\u00f4 c\u00f9ng l\u1ea1 l\u00f9ng, ho\u00e0n to\u00e0n v\u00f4 c\u0103n c\u1ee9, sai ph\u00e1p lu\u1eadt m\u1ed9t c\u00e1ch c\u01a1 b\u1ea3n, tr\u00e1i v\u1edbi y\u1ebfu t\u1ed1 c\u1ea5u th\u00e0nh t\u1ed9i ph\u1ea1m c\u1ee7a t\u1ed9i l\u1eeba \u0111\u1ea3o, v\u00ec:<\/p>\n<ul>\n<li>Th\u1ee9 nh\u1ea5t, t\u1ed9i ph\u1ea1m ch\u1ec9 c\u00f3 th\u1ec3 chi\u1ebfm \u0111o\u1ea1t \u0111\u01b0\u1ee3c ti\u1ec1n, n\u1ebfu nh\u01b0 ti\u1ec1n b\u1ecb chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a k\u1ebb l\u1eeba \u0111\u1ea3o, c\u00f2n tr\u00ean th\u1ef1c t\u1ebf c\u00e1c nh\u00e2n vi\u00ean NAVIBANK \u0111\u00e3 chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a ch\u00ednh m\u00ecnh t\u1ea1i Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng, th\u00ec ch\u1ec9 c\u00f3 th\u1ec3 n\u00f3i l\u00e0 ti\u1ec1n b\u1eaft \u0111\u1ea7u d\u00ednh v\u00e0o qu\u00e1 tr\u00ecnh ph\u1ea1m t\u1ed9i, li\u00ean quan \u0111\u1ebfn t\u1ed9i ph\u1ea1m, ch\u1ee9 kh\u00f4ng th\u1ec3 n\u00f3i l\u00e0 t\u1ed9i ph\u1ea1m \u0111\u00e3 ho\u00e0n th\u00e0nh, t\u1ee9c \u0111\u00e3 m\u1ea5t ti\u1ec1n;<\/li>\n<li>Th\u1ee9 hai, lu\u1eadt l\u00e0 lu\u1eadt, t\u1ed9i l\u00e0 t\u1ed9i, \u0111\u00fang l\u00e0 \u0111\u00fang, sai l\u00e0 sai, ch\u1ee9 kh\u00f4ng th\u1ec3 c\u00f3 chuy\u1ec7n \u201ccoi nh\u01b0 \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh\u201d. T\u1ed9i l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 139, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 ch\u1ec9 ho\u00e0n th\u00e0nh k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m t\u1ed9i ph\u1ea1m \u0111\u00e3 th\u1ef1c hi\u1ec7n xong h\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t, s\u1ed1 ti\u1ec1n \u0111\u00e3 b\u1ecb m\u1ea5t kh\u1ecfi kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu v\u00e0 ng\u00e2n h\u00e0ng. V\u1eeba m\u1edbi chuy\u1ec3n ti\u1ec1n th\u1eadt v\u00e0o t\u00e0i kho\u1ea3n th\u1eadt c\u1ee7a m\u00ecnh t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng th\u1eadt, th\u00ec kh\u00f4ng th\u1ec3 coi nh\u01b0 m\u1ea5t, kh\u00f4ng th\u1ec3 coi nh\u01b0 \u0111\u00e3 b\u1ecb l\u1eeba \u0111\u1ea3o xong. Nn\u01b0 v\u1eady, th\u00ec c\u1ee9 b\u1eaft \u0111\u1ea7u n\u1ed9p g\u1eedi ti\u1ec1n v\u00e0o VietinBank l\u00e0 coi nh\u01b0 \u0111\u00e3 b\u1ecb chi\u1ebfm \u0111o\u1ea1t, n\u1ebfu ch\u1eb3ng may c\u00f3 c\u00e1n b\u1ed9 c\u1ee7a VietinBank l\u1eeba \u0111\u1ea3o;<\/li>\n<li>Th\u1ee9 ba, \u0110i\u1ec1u 2 c\u0169ng nh\u01b0ng to\u00e0n b\u1ed9 H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng theo m\u1eabu chung c\u1ee7a VietinBank, k\u00fd v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c kh\u00e1ch h\u00e0ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i b\u1ecb c\u00e1o Nh\u01b0 \u0111\u00e3 d\u1eabn d\u1ee5 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n t\u1ef1 \u0111\u1eb7t m\u00ecnh v\u00e0o t\u00ecnh th\u1ebf b\u1ea5t l\u1ee3i. V\u00e0 quan tr\u1ecdng l\u00e0, \u0111i\u1ec1u kho\u1ea3n n\u00e0y ch\u1ec9 l\u00e0 k\u1ef9 thu\u1eadt th\u00f4ng th\u01b0\u1eddng c\u1ee7a ng\u00e2n h\u00e0ng, cho ph\u00e9p chuy\u1ec3n t\u1eeb t\u00e0i kho\u1ea3n kh\u00f4ng k\u1ef3 h\u1ea1n sang t\u00e0i kho\u1ea3n c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a ch\u00ednh kh\u00e1ch h\u00e0ng, ch\u1ee9 kh\u00f4ng h\u1ec1 cho ph\u00e9p VietinBank chuy\u1ec3n sang t\u00e0i kho\u1ea3n t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 c\u00e0ng kh\u00f4ng h\u1ec1 c\u00f3 vi\u1ec7c cho ph\u00e9p VietinBank \u0111\u01b0\u1ee3c chuy\u1ec3n sang t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c, c\u0169ng nh\u01b0 d\u00f9ng s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u1ec3 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh cho ngh\u0129a v\u1ee5 c\u1ee7a kh\u00e1c.<\/li>\n<\/ul>\n<p>9.3. S\u1ed1 ti\u1ec1n g\u1eedi 200 t\u1ef7 \u0111\u1ed3ng c\u1ee7a c\u00e1c nh\u00e2n vi\u00ean NAVIBANK n\u1eb1m trong t\u00e0i kho\u1ea3n h\u1ee3p ph\u00e1p c\u1ee7a ch\u00ednh ng\u01b0\u1eddi g\u1eedi ti\u1ec1n t\u1ea1i VietinBank. VietinBank kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u201ct\u1ef1 x\u1eed\u201d s\u1ed1 ti\u1ec1n \u0111\u00f3, tr\u1eeb 3 tr\u01b0\u1eddng h\u1ee3p d\u01b0\u1edbi \u0111\u00e2y, ng\u00e2n h\u00e0ng \u201c\u0111\u01b0\u1ee3c ch\u1ee7 \u0111\u1ed9ng tr\u00edch t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng\u201d theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 11 v\u1ec1 \u201cQuy\u1ec1n c\u1ee7a Ng\u00e2n h\u00e0ng\u201d, Quy ch\u1ebf s\u1ed1 1284\/2002\/Q\u0110-NHNN2:<\/p>\n<p>\u201c<em>a) C\u00e1c kho\u1ea3n n\u1ee3 \u0111\u1ebfn h\u1ea1n, qu\u00e1 h\u1ea1n, c\u00e1c kho\u1ea3n l\u00e3i, chi ph\u00ed h\u1ee3p l\u1ec7 kh\u00e1c ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n v\u00e0 cung \u1ee9ng c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n theo quy \u0111\u1ecbnh.<\/em><\/p>\n<p><em>\u00a0 b) C\u00e1c ngh\u0129a v\u1ee5 thanh to\u00e1n theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n bu\u1ed9c ch\u1ee7 t\u00e0i kho\u1ea3n ph\u1ea3i thanh to\u00e1n.<\/em><\/p>\n<p><em>\u00a0 c) C\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c theo tho\u1ea3 thu\u1eadn gi\u1eefa Ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng\u201d. <\/em><\/p>\n<p>9.4. Tr\u00ean th\u1ef1c t\u1ebf, sau khi giao d\u1ecbch g\u1eedi ti\u1ec1n c\u1ee7a c\u00e1c nh\u00e2n vi\u00ean NAVIBANK v\u00e0o VietinBank \u0111\u00e3 ho\u00e0n t\u1ea5t, kh\u00f4ng h\u1ec1 c\u00f3 b\u1ea5t k\u1ef3 s\u1ef1 \u0111\u1ed3ng \u00fd n\u00e0o, d\u00f9 l\u00e0 tr\u1ef1c ti\u1ebfp hay gi\u00e1n ti\u1ebfp c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, b\u1ecb c\u00e1o Nh\u01b0 \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 \u0111o\u1ea1n gian d\u1ed1i, l\u1eeba VietinBank \u0111\u1ec3 chuy\u1ec3n ti\u1ec1n kh\u1ecfi c\u00e1c H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi v\u00e0 chuy\u1ec3n \u0111\u1ed5i th\u00e0nh h\u00ecnh th\u1ee9c ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m. H\u1ed3 s\u01a1 v\u1ee5 \u00e1n \u0111\u00e3 ph\u1ea3n \u00e1nh r\u00f5, 4 kh\u00e1ch h\u00e0ng kh\u00f4ng k\u00fd v\u00e0o c\u00e1c gi\u1ea5y t\u1edd m\u1edf th\u1ebb ti\u1ebft ki\u1ec7m, kh\u00f4ng k\u00fd h\u1ee3p \u0111\u1ed3ng d\u00f9ng th\u1ebb ti\u1ebft ki\u1ec7m \u0111\u1ec3 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p hay b\u1ea3o l\u00e3nh cho b\u1ea5t k\u1ef3 kho\u1ea3n vay n\u00e0o. X\u00e9t \u1edf kh\u00eda c\u1ea1nh kh\u00e1c, ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng ch\u00ednh l\u00e0 ti\u1ec1n vay c\u1ee7a VietinBank. N\u1ebfu theo \u0111\u00fang quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 472 v\u1ec1 <a name=\"_Toc326319936\"><\/a>\u201cQuy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 th\u00ec VietinBank, t\u1ee9c \u201c<em>B\u00ean vay tr\u1edf th\u00e0nh ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n vay k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m nh\u1eadn t\u00e0i s\u1ea3n \u0111\u00f3.<\/em>\u201d Nh\u01b0 v\u1eady, b\u1ecb c\u00e1o Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t 200 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi h\u1ee3p ph\u00e1p c\u1ee7a NAVIBANK t\u1ea1i VietinBank, t\u1ee9c l\u00e0 \u0111\u00e3 l\u1ea5y ti\u1ec1n c\u1ee7a VietinBank. Vi\u1ec7c \u0111\u1ec3 b\u1ecb c\u00e1o chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n l\u00e0 do n\u1ed9i b\u1ed9 h\u1ec7 th\u1ed1ng VietinBank \u0111\u00e3 c\u00f3 nh\u1eefng s\u01a1 h\u1edf \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng trong vi\u1ec7c qu\u1ea3n l\u00fd h\u1ed3 s\u01a1, ch\u1ee9ng t\u1eeb g\u1eedi ti\u1ec1n c\u1ee7a VietinBank, \u0111\u00e3 \u0111\u1ec3 cho b\u1ecb c\u00e1o Nh\u01b0 v\u00e0 ng\u01b0\u1eddi trong n\u1ed9i b\u1ed9 r\u00fat ru\u1ed9t chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n trong t\u00fai c\u1ee7a m\u00ecnh b\u1eb1ng 2 th\u1ee7 \u0111o\u1ea1n sau:<\/p>\n<ul>\n<li>L\u00e0m gi\u1ea3 l\u1ec7nh chi, k\u00fd gi\u1ea3 ch\u1eef k\u00fd c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n \u0111\u1ec3 140,3 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 tr\u1ea3 n\u1ee3 cho c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00e1c;<\/li>\n<li>T\u1ef1 \u00fd tr\u00edch 59,7 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 l\u1eadp th\u00e0nh 8 th\u1ebb ti\u1ebft ki\u1ec7m gi\u1ea3, r\u1ed3i gi\u1ea3 ch\u1eef k\u00fd c\u1ee7a ch\u1ee7 th\u1ebb ti\u1ebft ki\u1ec7m \u0111\u1ec3 c\u1ea7m c\u1ed1 vay 57,5 t\u1ef7 \u0111\u1ed3ng t\u1ea1i VietinBank. Sau \u0111\u00f3, VietinBank \u0111\u00e3 t\u1ef1 \u00fd tr\u00edch ti\u1ec1n t\u1eeb 8 th\u1ebb ti\u1ebft ki\u1ec7m \u0111\u1ec3 thu n\u1ee3.<\/li>\n<\/ul>\n<p>9.5. G\u1eedi ti\u1ec1n t\u1ea1i ng\u00e2n h\u00e0ng kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n nh\u01b0 g\u1eedi xe v\u00e0o b\u00e3i, ai \u0111\u00f3 c\u1ee9 c\u1ea7m th\u1ebb g\u1eedi xe l\u00e0 c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng l\u1ea5y \u0111\u01b0\u1ee3c xe, ng\u01b0\u1eddi gi\u1eef v\u00f4 can. \u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, n\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 ch\u00ednh ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c ng\u01b0\u1eddi g\u1eedi ti\u1ec1n u\u1ef7 quy\u1ec1n h\u1ee3p ph\u00e1p, m\u00e0 c\u1ea7m h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u01b0ir ho\u1eb7c th\u1ebb ti\u1ebft ki\u1ec7m \u0111\u1ebfn ng\u00e2n h\u00e0ng th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 r\u00fat \u0111\u01b0\u1ee3c ti\u1ec1n. Nguy\u00ean t\u1eafc b\u1eaft bu\u1ed9c quan tr\u1ecdng nh\u1ea5t l\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ch\u00ednh x\u00e1c vi\u1ec7c chi tr\u1ea3 cho ch\u1ee7 s\u1edf h\u1eefu, trong \u0111\u00f3 c\u00f3 vi\u1ec7c \u0111\u1ed1i chi\u1ebfu, nh\u1eadn d\u1ea1ng qua ch\u1ee9ng minh nh\u00e2n d\u00e2n. Th\u1ef1c t\u1ebf \u0111\u00e3 cho th\u1ea5y, vi\u1ec7c \u0111\u1ed5i ch\u1ee9ng minh nh\u00e2n d\u00e2n t\u1eeb 9 sang 12 s\u1ed1 v\u1eeba qua \u0111\u00e3 d\u1eabn \u0111\u1ebfn tinh tr\u1ea1ng r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng l\u00e0 ch\u1ee7 s\u1edf h\u1eefu th\u1eadt, xu\u1ea5t tr\u00ecnh ch\u1ee9ng minh nh\u00e2n d\u00e2n h\u1ee3p ph\u00e1p c\u1ee7a ch\u00ednh m\u00ecnh, nh\u01b0ng c\u0169ng kh\u00f4ng r\u00fat \u0111\u01b0\u1ee3c ti\u1ec1n g\u1eedi c\u1ee7a m\u00ecnh t\u1ea1i ng\u00e2n h\u00e0ng. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u00e2n h\u00e0ng kh\u00f4ng cho r\u00fat l\u00e0 \u0111\u00fang lu\u1eadt, h\u1ee3p l\u00fd v\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n cao nh\u1ea5t ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u1eb7c bi\u1ec7t, v\u1edbi s\u1ed1 ti\u1ec1n giao d\u1ecbch 200, nay l\u00e0 300 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean, th\u00ec ng\u00e2n h\u00e0ng c\u00f2n ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng ch\u1eb7t ch\u1ebd theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n. N\u1ebfu ng\u00e2n h\u00e0ng s\u01a1 su\u1ea5t cho ng\u01b0\u1eddi c\u1ea7m h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi hay th\u1ebb ti\u1ebft ki\u1ec7m, m\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 ch\u1ee7 s\u1edf h\u1eefu r\u00fat ti\u1ec1n, th\u00ec ch\u1eafc ch\u1eafn ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ec1n b\u00f9 \u0111\u1ee7 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng. B\u1edfi v\u1eady, h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi hay th\u1ebb ti\u1ebft ki\u1ec7m b\u1ecb m\u1ea5t th\u00ec ch\u1ec9 vi\u1ec7c \u0111\u1ebfn ng\u00e2n h\u00e0ng b\u00e1o m\u1ea5t, sau \u0111\u00f3 \u0111\u01b0\u1ee3c c\u1ea5p th\u1ebb kh\u00e1c \u0111\u1ec3 r\u00fat ti\u1ec1n ho\u1eb7c v\u1eabn \u0111\u01b0\u1ee3c r\u00fat t\u1ec1n m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 th\u1ebb ti\u1ebft ki\u1ec7m, v\u00ec c\u1ea3 h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi v\u00e0 th\u1ebb ti\u1ebft ki\u1ec7m \u0111\u1ec1u kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1. \u0110i\u1ec1u n\u00e0y c\u00e0ng th\u1ea5y r\u00f5, khi m\u00e0 hi\u1ec7n nay \u0111\u00e3 c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a d\u00e2n c\u01b0 m\u00e0 kh\u00f4ng c\u1ea7n giao cho kh\u00e1ch h\u00e0ng h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi hay th\u1ebb ti\u1ebft ki\u1ec7m. V\u00ed d\u1ee5 nh\u01b0 Vietcombank.<\/p>\n<p>9.6. Bao nhi\u00eau s\u01a1 h\u1edf, sai s\u00f3t, vi ph\u1ea1m c\u1ee7a c\u00e1c nh\u00e2n vi\u00ean NAVIBANK c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean nh\u00e2n tr\u1ef1c ti\u1ebfp, kh\u00f4ng c\u00f3 quan h\u1ec7 nh\u00e2n qu\u1ea3 v\u1edbi h\u1eadu qu\u1ea3 ti\u1ec1n g\u1eedi b\u1ecb chi\u1ebfm \u0111o\u1ea1t. Nguy\u00ean nh\u00e2n tr\u1ef1c ti\u1ebfp, quy\u1ebft \u0111\u1ecbnh, l\u00e0 quan h\u1ec7 nh\u00e2n qu\u1ea3 d\u1eabn \u0111\u1ebfn m\u1ea5t 200 t\u1ef7 \u0111\u1ed3ng c\u1ee7a NAVIBANK l\u00e0 VietinBank \u0111\u00e3 \u0111\u1ec3 cho t\u1ed9i ph\u1ea1m t\u1ef1 tung, t\u1ef1 t\u00e1c d\u1ec5 d\u00e0ng chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n \u0111ang thu\u1ed9c tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd tr\u1ef1c ti\u1ebfp c\u1ee7a m\u00ecnh. V\u00ec v\u1eady, hi\u1ec3n nhi\u00ean l\u00e0 VietinBank ph\u1ea3i \u201c<em>Ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i, vi ph\u1ea1m, l\u1ee3i d\u1ee5ng tr\u00ean t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng do l\u1ed7i c\u1ee7a m\u00ecnh<\/em>.\u201d theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 8, \u0110i\u1ec1u 12 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a Ng\u00e2n h\u00e0ng\u201d, Quy ch\u1ebf s\u1ed1 1284\/2002\/Q\u0110-NHNN2 v\u00e0 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 18 v\u1ec1 \u201cB\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 64\/2001\/N\u0110-CP ng\u00e0y 20-9-2001 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n qua c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n.<\/p>\n<p>9.7. V\u1ec1 nguy\u00ean t\u1eafc, c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng l\u00e0m sai, th\u00ec tr\u01b0\u1edbc h\u1ebft ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m. \u0110i\u1ec1u n\u00e0y c\u0169ng gi\u1ed1ng nh\u01b0 l\u00e1i xe g\u00e2y tai n\u1ea1n, th\u00ec t\u1ed5 ch\u1ee9c c\u00f3 l\u00e1i xe ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng cho n\u1ea1n nh\u00e2n, sau \u0111\u00f3 m\u1edbi y\u00eau c\u1ea7u l\u00e1i xe b\u1ed3i th\u01b0\u1eddng cho t\u1ed5 ch\u1ee9c. C\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 ng\u01b0\u1eddi thi h\u00e0nh c\u00f4ng v\u1ee5 l\u00e0 c\u00e1n b\u1ed9, c\u00f4ng ch\u1ee9c nh\u00e0 n\u01b0\u1edbc th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi tr\u00e1i ph\u00e1p lu\u1eadt (g\u1ed3m \u201c<em>kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d) th\u00ec c\u01a1 quan nh\u00e0 n\u01b0\u1edbc ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c b\u1ecb thi\u1ec7t h\u1ea1i theo quy \u0111\u1ecbnh t\u1ea1i c\u00e1c \u0110i\u1ec1u 2 v\u00e0 3 c\u1ee7a Lu\u1eadt Tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng c\u1ee7a Nh\u00e0 n\u01b0\u1edbc n\u0103m 2009. Hay nh\u01b0 \u0110i\u1ec1u 618 v\u1ec1 \u201cB\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do ng\u01b0\u1eddi c\u1ee7a ph\u00e1p nh\u00e2n g\u00e2y ra\u201d B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u0169ng \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5: \u201c<em>Ph\u00e1p nh\u00e2n ph\u1ea3i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do ng\u01b0\u1eddi c\u1ee7a m\u00ecnh g\u00e2y ra trong khi th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 \u0111\u01b0\u1ee3c ph\u00e1p nh\u00e2n giao; n\u1ebfu ph\u00e1p nh\u00e2n \u0111\u00e3 b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i th\u00ec c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ng\u01b0\u1eddi c\u00f3 l\u1ed7i trong vi\u1ec7c g\u00e2y thi\u1ec7t h\u1ea1i ph\u1ea3i ho\u00e0n tr\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/em>\u201d<\/p>\n<p>9.8. N\u1ebfu ng\u01b0\u1eddi l\u00e0m vi\u1ec7c cho ph\u00e1p nh\u00e2n c\u00f3 h\u00e0nh \u0111\u1ed9ng sai tr\u00e1i ho\u1eb7c v\u01b0\u1ee3t quy\u1ec1n, g\u00e2y ra thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi kh\u00e1c, m\u00e0 ph\u00e1p nh\u00e2n l\u1ea1i \u0111\u1ea9y h\u1ebft r\u1ee7i ro ra ngo\u00e0i x\u00e3 h\u1ed9i, ph\u1ee7 nh\u1eadn s\u1ea1ch tr\u01a1n tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh, th\u00ec ph\u00e1p nh\u00e2n \u0111\u00f3 ch\u1eb3ng kh\u00e1c n\u00e0o m\u1ed9t ph\u00e1p nh\u00e2n \u1ea3o. V\u00e0 mu\u1ed1n tr\u1ed1n tr\u00e1nh tr\u00e1ch nhi\u1ec7m, thi ch\u1ec9 c\u1ea7n ch\u1ee9ng minh m\u1ed7i \u0111i\u1ec1u l\u00e0 nh\u00e2n vi\u00ean ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1. \u0110i\u1ec1u n\u00e0y th\u00ec d\u01b0\u1eddng nh\u01b0 qu\u00e1 d\u1ec5 d\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ee5 vi\u1ec7c th\u1ea5t tho\u00e1t ti\u1ec1n t\u1ef7. V\u00e0 nh\u01b0 v\u1eady th\u00ec ch\u1eb3ng h\u00f3a ra, nh\u00e2n vi\u00ean c\u1ee7a ph\u00e1p nh\u00e2n g\u00e2y ra thi\u1ec7t h\u1ea1i c\u00e0ng l\u1edbn, th\u00ec ph\u00e1p nh\u00e2n c\u00e0ng \u201cm\u1eebng\u201d, v\u00ec h\u1ecd c\u00e0ng c\u00f3 nhi\u1ec1u c\u01a1 h\u1ed9i \u201ctho\u00e1t t\u1ed9i\u201d, tho\u00e1t kh\u1ecfi tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng.<\/p>\n<p>9.9. Tuy c\u00e1c b\u1ecb c\u00e1o l\u00e0 nh\u1eefng k\u1ebb tr\u1ef1c ti\u1ebfp g\u00e2y ra thi\u1ec7t h\u1ea1i, nh\u01b0ng trong v\u1ee5 \u00e1n n\u00e0y kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 \u0111\u00f3ng vai tr\u00f2 quy\u1ebft \u0111\u1ecbnh ch\u00ednh l\u00e0 s\u1ef1 s\u01a1 h\u1edf, y\u1ebfu k\u00e9m ch\u1ebft ng\u01b0\u1eddi \u0111\u00e3 ch\u1ecdc th\u1ee7ng h\u1ec7 th\u1ed1ng qu\u1ea3n tr\u1ecb r\u1ee7i ro c\u1ee7a VietinBank: Nhi\u1ec1u sai ph\u1ea1m \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng \u0111\u00e3 x\u1ea3y ra li\u00ean ti\u1ebfp. Nhi\u1ec1u c\u00e1n b\u1ed9, nh\u00e2n vi\u00ean li\u00ean quan c\u1ed1 \u00fd l\u00e0m tr\u00e1i v\u00e0 thi\u1ebfu tr\u00e1ch nhi\u1ec7m. Nhi\u1ec1u c\u00f4ng \u0111o\u1ea1n sai s\u00f3t ch\u1ebft ng\u01b0\u1eddi n\u1ed1i ti\u1ebfp nhau m\u00e0 kh\u00f4ng h\u1ec1 g\u1eb7p tr\u1edf ng\u1ea1i. Nhi\u1ec1u ch\u1ee9ng t\u1eeb v\u00e0 ch\u1eef k\u00fd gi\u1ea3 v\u1eabn l\u1ecdt qua m\u1ecdi c\u1eeda ki\u1ec3m so\u00e1t. Nhi\u1ec1u ng\u00e0n t\u1ef7 \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111i v\u00e0 r\u00fat ra b\u1ea5t h\u1ee3p ph\u00e1p m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng. Nhi\u1ec1u ch\u1ee5c giao d\u1ecbch ph\u1ea1m t\u1ed9i \u0111\u00e3 ho\u00e0n th\u00e0nh m\u1ed9t c\u00e1ch ch\u00f3t l\u1ecdt. C\u00f3 th\u1ec3 n\u00f3i, trong v\u1ee5 \u00e1n n\u00e0y, s\u1ef1 s\u01a1 h\u1edf, y\u1ebfu k\u00e9m c\u1ee7a h\u1ec7 th\u1ed1ng qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u1ea1i VietinBank ch\u00ednh l\u00e0 m\u00f4i tr\u01b0\u1eddng t\u1ea1o ra c\u00e1c h\u00e0nh vi ph\u1ea1m t\u1ed9i c\u1ee7a Huy\u1ec1n Nh\u01b0. V\u00ec v\u1eady, ti\u1ebfp theo \u0111\u1ec1 ngh\u1ecb c\u1ee7a Vi\u1ec7n ki\u1ec3m s\u00e1t v\u1ec1 vi\u1ec7c xem x\u00e9t tr\u00e1ch nhi\u1ec7m c\u1ee7a VietinBank HCM, \u0111\u1ec1 ngh\u1ecb kh\u1edfi t\u1ed1 v\u1ee5 \u00e1n \u0111\u1ec3 xem x\u00e9t tr\u00e1ch nhi\u1ec7m c\u1ee7a l\u00e3nh \u0111\u1ea1o VietinBank trong vi\u1ec7c g\u00e2y ra h\u1eadu qu\u1ea3 \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng.<\/p>\n<p>9.10. \u0110\u1ea1i di\u1ec7n VietinBank \u0111\u00e3 \u0111\u1ecdc m\u1ed9t v\u0103n b\u1ea3n \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng tr\u1ea3 l\u1eddi c\u00e1c lu\u1eadt s\u01b0 t\u1ea1i Phi\u00ean t\u00f2a ng\u00e0y 10-01-2014 v\u1edbi kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng: \u201c<em>N\u1ebfu c\u00e1c h\u1ee3p \u0111\u1ed3ng kh\u00e1ch h\u00e0ng k\u00fd v\u1edbi VietinBank x\u00e1c \u0111\u1ecbnh l\u00e0 th\u1eadt, con d\u1ea5u th\u1eadt, ch\u1eef k\u00fd th\u1eadt th\u00ec VietinBank ch\u1ecbu tr\u00e1ch nhi\u1ec7m<\/em>\u201d. Con s\u1ed1 200 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi c\u1ee7a NAVIBANK ch\u00ednh l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1eadt, con d\u1ea5u th\u1eadt, ch\u1eef k\u00fd th\u1eadt c\u1ee7a VietinBank. Do v\u1eady kh\u00f4ng c\u00f2n b\u1ea5t c\u1ee9 l\u00fd do g\u00ec \u0111\u1ec3 VietinBank t\u1eeb ch\u1ed1i ngh\u0129a v\u1ee5 thanh to\u00e1n.<\/p>\n<p>9.11. Nh\u01b0 v\u1eady to\u00e0n b\u1ed9 9-10 \u0111i\u1ec3m m\u00e0 K\u1ebft lu\u1eadn \u0111i\u1ec1u tra, C\u00e1o tr\u1ea1ng v\u00e0 Lu\u1eadn t\u1ed9i cho r\u1eb1ng NAVIBANK sai ph\u1ea1m, s\u01a1 su\u1ea5t d\u1eabn \u0111\u1ebfn m\u1ea5t ti\u1ec1n, th\u00ec 10 \u0111\u1ec1u kh\u00f4ng \u0111\u00fang th\u1ef1c t\u1ebf, tr\u00e1\u00ed v\u1edbi ph\u00e1p lu\u1eadt v\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 s\u1ed1 ti\u1ec1n b\u1ecb chi\u1ebfm \u0111o\u1ea1t.<\/p>\n<p><strong>10. V\u1ec1 \u0111\u1ea1o l\u00fd v\u00e0 ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c y\u00eau c\u1ea7u VietinBank b\u1ed3i th\u01b0\u1eddng.<\/strong><\/p>\n<p>10.1. N\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec t\u1ea5t c\u1ea3 c\u00e1c b\u1ecb c\u00e1o l\u00e0 nh\u00e2n vi\u00ean c\u1ee7a VietinBank \u0111ang b\u1ecb x\u00e9t x\u1eed oan sai v\u1ec1 T\u1ed9i vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 cho vay g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng.<\/p>\n<p>10.2. N\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec \u0111\u00fang l\u00e0 t\u1ed9i ph\u1ea1m coi nh\u01b0 \u0111\u00e3 ho\u00e0n th\u00e0nh vi\u1ec7c chi\u1ebfm \u0111o\u1ea1t ngay t\u1eeb khi kh\u00e1ch h\u00e0ng v\u1eeba chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a ch\u00ednh m\u00ecnh t\u1ea1i ng\u00e2n h\u00e0ng, nh\u01b0 lu\u1eadn t\u1ed9i c\u1ee7a v\u1ecb \u0111\u1ea1i \u0111i\u1ec7n Vi\u1ec7t ki\u1ec3m s\u00e1t.<\/p>\n<p>10.3. N\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec \u0111\u00fang l\u00e0 ch\u1ee9c danh Tr\u01b0\u1edfng ph\u00f2ng c\u1ee7a VietinBank ch\u1ec9 l\u00e0 tr\u00f2 \u0111\u00f9a, kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb \u0111\u1ea1i di\u1ec7n cho VietinBank trong giao d\u1ecbch v\u1edbi kh\u00e1ch h\u00e0ng, nh\u01b0 l\u1eddi c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n VietinBank tr\u01b0\u1edbc T\u00f2a \u00e1n.<\/p>\n<p>10.4. N\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec \u0111\u00fang l\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng, nh\u01b0 l\u1eddi c\u1ee7a b\u1ecb c\u00e1o Huy\u1ec1n Nh\u01b0 v\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n VietinBank tr\u01b0\u1edbc T\u00f2a \u00e1n.<\/p>\n<p>10.5. N\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec h\u1ec7 th\u1ed1ng qu\u1ea3n tr\u1ecb r\u1ee7i ro n\u1ed9i b\u1ed9 c\u1ee7a VietinBank l\u00e0 r\u1ea5t t\u1ed1t, r\u1ea5t \u1ed5n, v\u00ec n\u00f3 ch\u1eb3ng h\u1ec1 g\u00e2y ra thi\u1ec7t h\u1ea1i v\u1ec1 ti\u1ec1n b\u1ea1c n\u00e0o cho VietinBank.<\/p>\n<p>10.6. N\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec c\u00f3 ngh\u0129a l\u00e0 ph\u00eda sai s\u00f3t 1 ph\u1ea3i g\u00e1nh m\u1ecdi h\u1eadu qu\u1ea3, trong khi b\u00ean sai tr\u00e1i 10 th\u00ec ho\u00e0n to\u00e0n mi\u1ec5n tr\u00e1ch.<\/p>\n<p>10.7. N\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 b\u1ecb t\u1ef1 \u0111\u1ed9ng tr\u1edf th\u00e0nh t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 \u0111\u1ec3 tr\u1ea3 n\u1ee3 thay cho m\u1ed9t ngh\u0129a v\u1ee5 n\u00e0o \u0111\u00f3.<\/p>\n<p>10.8, N\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng, n\u1ebfu ch\u1eb3ng may \u201cd\u00ednh\u201d ph\u1ea3i m\u1ed9t c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng l\u1eeba \u0111\u1ea3o.<\/p>\n<p>10.9. N\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec l\u00e0m sao c\u00f3 th\u1ec3 gi\u1ea3i th\u00edch \u0111\u01b0\u1ee3c v\u1edbi c\u00f4ng ch\u00fang r\u1eb1ng, ti\u1ec1n g\u1eedi n\u1eb1m trong t\u00e0i kho\u1ea3n h\u1ee3p ph\u00e1p t\u1ea1i ng\u00e2n h\u00e0ng, theo h\u1ee3p \u0111\u1ed3ng th\u1eadt, con d\u1ea5u th\u1eadt v\u00e0 ch\u1eef k\u00fd th\u1eadt c\u0169ng ch\u1eb3ng c\u00f3 g\u00ec b\u1ea3o \u0111\u1ea3m.<\/p>\n<p>10.10 Cu\u1ed1i c\u00f9ng, t\u00f4i \u0111\u1ec1 ngh\u1ecb H\u1ed9i \u0111\u1ed3ng X\u00e9t x\u1eed \u0111\u1eb7c bi\u1ec7t quan t\u00e2m xem x\u00e9t tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a Vietibank trong v\u1ee5 \u00e1n n\u00e0y. N\u1ebfu VietinBank, m\u1ed9t ng\u00e2n h\u00e0ng thu\u1ed9c lo\u1ea1i l\u1edbn nh\u1ea5t Vi\u1ec7t Nam, kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng, th\u00ec:<\/p>\n<ul>\n<li>M\u1ea5t con ng\u01b0\u1eddi l\u00e0 m\u1ea5t \u00edt;<\/li>\n<li>M\u1ea5t ti\u1ec1n b\u1ea1c l\u00e0 m\u1ea5t nhi\u1ec1u;<\/li>\n<li>Nh\u01b0ng m\u1ea5t l\u00f2ng tin th\u00ec m\u1edbi l\u00e0 m\u1ea5t h\u1ebft.<\/li>\n<\/ul>\n<p>\u0110\u00f3 c\u0169ng ch\u00ednh l\u00e0 \u201cTh\u1eadp \u0111\u1ea1i ngh\u1ecbch l\u00fd\u201d trong s\u1ed1 10 \u0111\u1ea1i \u00e1n, n\u1ebfu VietinBank kh\u00f4ng tr\u1ea3 ti\u1ec1n g\u1eedi cho NAVIBANK.<\/p>\n<p><em>(8.000 ch\u1eef)<br \/>\n<\/em>Audio Lu\u1eadn c\u1ee9 t\u1ea1i To\u00e0 53 ph\u00fat c\u1ee7a LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<em><br \/>\n<\/em><\/p>\n<div class=\"cxmmr5t8 oygrvhab hcukyx3x c1et5uql o9v6fnle ii04i59q\">\n<div dir=\"auto\"><a class=\"oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 py34i1dx\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.youtube.com\/watch?v=xZYa_uWvN3Q&amp;fbclid=IwAR31dGErYOjWdwBloCg-JMCFf-oNS3fxUXA4cyBC4vaKHghgXTrdb3kPCzM\" target=\"_blank\" rel=\"nofollow noopener\">https:\/\/www.youtube.com\/watch?v=xZYa_uWvN3Q<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; Lu\u1eadn c\u1ee9 c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c tr\u00ecnh b\u00e0y t\u1ea1i Phi\u00ean t\u00f2a s\u01a1 th\u1ea9m TAND TP HCM ng\u00e0y 16-01-2014. K\u00ednh th\u01b0a: H\u1ed9i \u0111\u1ed3ng X\u00e9t x\u1eed! T\u00f4i l\u00e0 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0110o\u00e0n Lu\u1eadt s\u01b0 TP H\u00e0 N\u1ed9i, b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a Ng\u00e2n h\u00e0ng TMCP Nam Vi\u1ec7t [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-1123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>208a. Lu\u1eadn c\u1ee9 B\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a NAVIBANK trong v\u1ee5 \u00e1n Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 L\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n. - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/208a-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank-trong-vu-an-huynh-thi-huyen-nhu-lua-dao-chiem-doat-tai-san\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]208a. 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T\u00f4i l\u00e0 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0110o\u00e0n Lu\u1eadt s\u01b0 TP H\u00e0 N\u1ed9i, b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a Ng\u00e2n h\u00e0ng TMCP Nam Vi\u1ec7t [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/208a-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank-trong-vu-an-huynh-thi-huyen-nhu-lua-dao-chiem-doat-tai-san\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2014-01-16T09:05:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-12T04:53:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/271896193_4879766055419132_5721363976621987244_n.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1395\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"61 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/208a-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank-trong-vu-an-huynh-thi-huyen-nhu-lua-dao-chiem-doat-tai-san\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/208a-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank-trong-vu-an-huynh-thi-huyen-nhu-lua-dao-chiem-doat-tai-san\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"208a. 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