{"id":13261,"date":"2019-01-23T14:23:33","date_gmt":"2019-01-23T07:23:33","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=13261"},"modified":"2022-03-12T14:25:23","modified_gmt":"2022-03-12T07:25:23","slug":"2-476-nhung-bai-hoc-chua-cu-voi-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-476-nhung-bai-hoc-chua-cu-voi-ngan-hang\/","title":{"rendered":"2.476. Nh\u1eefng b\u00e0i h\u1ecdc ch\u01b0a c\u0169 v\u1edbi ng\u00e2n h\u00e0ng."},"content":{"rendered":"(\u0110T) – Trong c\u00e1c v\u1ee5 \u00e1n li\u00ean quan \u0111\u1ebfn vi\u1ec7c kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, chi l\u00e3i ngo\u00e0i h\u1ee3p \u0111\u1ed3ng, thi\u1ec7t h\u1ea1i to l\u1edbn v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng ch\u1ec9 l\u00e0 th\u1ea5t tho\u00e1t t\u00e0i s\u1ea3n m\u00e0 c\u00f2n l\u00e0 m\u1ea5t m\u00e1t ni\u1ec1m tin v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 th\u1ecb tr\u01b0\u1eddng.\u00a0<\/strong><\/p>\n

\"\"<\/p>\n

Phi\u00ean t\u00f2a s\u01a1 th\u1ea9m v\u1ee5 C\u00f4ng ty Tr\u01b0\u1eddng Ng\u00e2n d\u00f9ng kho\u1ea3ng 8.600 t\u1ea5n c\u00e0 ph\u00ea, t\u1ea1p ch\u1ea5t l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t h\u01a1n 600 t\u1ef7 \u0111\u1ed3ng c\u1ee7a 7 ng\u00e2n h\u00e0ng. \u1ea2nh: C\u00f4ng Th\u01b0<\/em><\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u00e3 t\u1eebng x\u1ea3y ra \u1edf nh\u1eefng n\u0103m tr\u01b0\u1edbc v\u00e0 m\u1ed9t l\u1ea7n n\u1eefa \u0111\u01b0\u1ee3c nh\u1eafc l\u1ea1i v\u1edbi 2 v\u1ee5 \u00e1n m\u00e0 T\u00f2a \u00e1n nh\u00e2n d\u00e2n (TAND) TP.HCM v\u00e0 TAND TP. H\u00e0 N\u1ed9i \u0111ang x\u00e9t x\u1eed.<\/p>\n

L\u1ecfng l\u1ebbo trong th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p<\/strong><\/p>\n

Ng\u00e0y 21\/1, TAND TP.HCM m\u1edf phi\u00ean t\u00f2a s\u01a1 th\u1ea9m x\u00e9t x\u1eed b\u1ecb c\u00e1o Nguy\u1ec5n Xu\u00e2n B\u00ecnh – nguy\u00ean Ch\u1ee7 t\u1ecbch H\u0110TV C\u00f4ng ty Tr\u01b0\u1eddng Ng\u00e2n, Nguy\u1ec5n \u0110\u0103ng S\u01a1n – nguy\u00ean Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Tr\u01b0\u1eddng Ng\u00e2n v\u1ec1 t\u1ed9i “L\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n”. Ngo\u00e0i ra, 3 b\u1ecb c\u00e1o kh\u00e1c nguy\u00ean l\u00e0 c\u00e1n b\u1ed9 m\u1ed9t ng\u00e2n h\u00e0ng t\u1ea1i TP.HCM c\u00f9ng h\u1ea7u t\u00f2a v\u1ec1 t\u1ed9i “Thi\u1ebfu tr\u00e1ch nhi\u1ec7m g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng”.<\/p>\n

Theo c\u00e1o tr\u1ea1ng, C\u00f4ng ty Tr\u01b0\u1eddng Ng\u00e2n chuy\u00ean mua b\u00e1n l\u01b0\u01a1ng th\u1ef1c, th\u1ef1c ph\u1ea9m, ch\u1ebf bi\u1ebfn n\u00f4ng s\u1ea3n v\u1edbi m\u1eb7t h\u00e0ng kinh doanh ch\u1ee7 \u0111\u1ea1o l\u00e0 c\u00e0 ph\u00ea. T\u1eeb n\u0103m 2010, C\u00f4ng ty Tr\u01b0\u1eddng Ng\u00e2n c\u00f3 quan h\u1ec7 t\u00edn d\u1ee5ng v\u1edbi 7 ng\u00e2n h\u00e0ng tr\u00ean \u0111\u1ecba b\u00e0n TP.HCM. N\u0103m 2012, s\u1ed1 l\u01b0\u1ee3ng c\u00e0 ph\u00ea c\u1ee7a C\u00f4ng ty kh\u00f4ng \u0111\u1ee7 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u1ea3m b\u1ea3o d\u01b0 n\u1ee3 cho 7 ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, B\u00ecnh v\u1eabn ch\u1ec9 \u0111\u1ea1o S\u01a1n s\u1eed d\u1ee5ng s\u1ed1 h\u00e0ng h\u00f3a l\u00e0 c\u00e0 ph\u00ea \u0111\u00e3 th\u1ebf ch\u1ea5p t\u1ea1i ng\u00e2n h\u00e0ng n\u00e0y ti\u1ebfp t\u1ee5c th\u1ebf ch\u1ea5p \u1edf ng\u00e2n h\u00e0ng kh\u00e1c.<\/p>\n

H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u1ea1i 7 ng\u00e2n h\u00e0ng ghi t\u1ed5ng s\u1ed1 l\u01b0\u1ee3ng h\u00e0ng h\u00f3a g\u1ea7n 21.000 t\u1ea5n c\u00e0 ph\u00ea. Trong khi, C\u00f4ng ty Tr\u01b0\u1eddng Ng\u00e2n ch\u1ec9 c\u00f3 kho\u1ea3ng 8.600 t\u1ea5n c\u00e0 ph\u00ea, t\u1ea1p ch\u1ea5t trong kho. \u0110\u1ebfn th\u00e1ng 3\/2017, c\u01a1 quan \u0111i\u1ec1u tra x\u00e1c \u0111\u1ecbnh trong kho c\u1ee7a c\u00f4ng ty n\u00e0y ch\u1ec9 c\u00f2n g\u1ea7n 1.300 t\u1ea5n c\u00e0 ph\u00ea, 820 t\u1ea5n t\u1ea1p ch\u1ea5t v\u00e0 g\u1ea7n 5.300 t\u1ea5n c\u00e0 ph\u00ea h\u01b0 h\u1ecfng. V\u1edbi h\u00e0nh vi \u0111\u00f3, B\u00ecnh v\u00e0 S\u01a1n \u0111\u00e3 chi\u1ebfm \u0111o\u1ea1t h\u01a1n 600 t\u1ef7 \u0111\u1ed3ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

Nh\u1eefng v\u1ee5 vi\u1ec7c t\u01b0\u01a1ng t\u1ef1 t\u1eebng x\u1ea3y ra t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc \u0111\u00f3 song nhi\u1ec1u ng\u00e2n h\u00e0ng v\u1eabn kh\u00f4ng tr\u00e1nh \u0111\u01b0\u1ee3c th\u1ea5t tho\u00e1t t\u00e0i s\u1ea3n do l\u1ed7i thi\u1ebfu th\u1eadn tr\u1ecdng trong th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

Nh\u1eadn x\u00e9t v\u1ec1 tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, nh\u1ea5n m\u1ea1nh, thi\u1ec7t h\u1ea1i n\u00e0y ch\u1eafc ch\u1eafn do c\u00e1c c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u0111\u00e3 kh\u00f4ng theo d\u00f5i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p m\u1ed9t c\u00e1ch k\u1ef9 l\u01b0\u1ee1ng v\u00e0 ch\u1eb7t ch\u1ebd. Ch\u1eb3ng h\u1ea1n, ng\u00e2n h\u00e0ng ph\u1ea3i bi\u1ebft tr\u01b0\u1edbc, trong v\u00e0 sau khi \u0111\u01b0\u1ee3c nh\u1eadn th\u1ebf ch\u1ea5p, t\u00e0i s\u1ea3n \u0111\u00f3 \u1edf \u0111\u00e2u, t\u00ecnh tr\u1ea1ng nh\u01b0 th\u1ebf n\u00e0o.<\/em><\/p>\n

\u201cTr\u00ean h\u1ed3 s\u01a1 vay v\u1ed1n, c\u00f3 th\u1ec3 ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e0m \u0111\u00fang th\u1ee7 t\u1ee5c v\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Song th\u1ef1c ch\u1ea5t, c\u00f3 th\u1ec3 t\u00e0i s\u1ea3n kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f4ng \u0111\u00fang v\u1edbi th\u1ef1c tr\u1ea1ng k\u00ea khai \u0111\u1ec3 th\u1ebf ch\u1ea5p\u201d. Khi kh\u00e1ch vay l\u00e0m \u0103n t\u1ed1t v\u00e0 ho\u00e0n tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n th\u00ec t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n th\u1ee7 t\u1ee5c \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay. Ng\u01b0\u1ee3c l\u1ea1i, trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb thua l\u1ed7 ho\u1eb7c v\u1ee1 n\u1ee3, kh\u00e1ch vay tr\u1edf th\u00e0nh k\u1ebb l\u1eeba \u0111\u1ea3o v\u00e0 ng\u00e2n h\u00e0ng v\u1ee1 l\u1ebd ra th\u1ef1c tr\u1ea1ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u00f3. Tr\u01b0\u1edbc \u0111\u00e2y, nhi\u1ec1u v\u1ee5 vi\u1ec7c t\u1eebng x\u1ea3y ra v\u00e0 \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn gi\u1ea3i quy\u1ebft, \u0111\u1ebfn g\u1ea7n \u0111\u00e2y, m\u1ed9t s\u1ed1 v\u1ee5 vi\u1ec7c ph\u1ea3i \u0111\u01b0a nhau ra t\u00f2a\u201d – \u00f4ng \u0110\u1ee9c ph\u00e2n t\u00edch.\u00a0<\/em><\/p>\n

C\u1ea7n gi\u00e1m s\u00e1t ch\u1eb7t l\u00e3i su\u1ea5t huy \u0111\u1ed9ng<\/strong><\/p>\n

V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf, c\u00e1c giao d\u1ecbch ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng l\u1edbn, s\u1ed1 l\u01b0\u1ee3ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ng\u00e0y c\u00e0ng t\u0103ng, c\u00e1c sai ph\u1ea1m ng\u00e0y c\u00e0ng tinh vi v\u00e0 kh\u00f3 \u0111\u1ed1i ph\u00f3.<\/em><\/p>\n

C\u00f9ng trong ng\u00e0y 21\/1, TAND TP. H\u00e0 N\u1ed9i x\u1eed s\u01a1 th\u1ea9m v\u1ee5 chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n x\u1ea3y ra t\u1ea1i C\u00f4ng ty TNHH L\u1ecdc h\u00f3a d\u1ea7u B\u00ecnh S\u01a1n (BSR) thu\u1ed9c T\u1eadp \u0111o\u00e0n D\u1ea7u kh\u00ed Vi\u1ec7t Nam (PVN). V\u1ee5 \u00e1n n\u00e0y c\u00f3 li\u00ean quan \u0111\u1ebfn vi\u1ec7c Ng\u00e2n h\u00e0ng OceanBank chi l\u00e3i ngo\u00e0i h\u01a1n 10 t\u1ef7 \u0111\u1ed3ng (ti\u1ec1n ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng) trong c\u00e1c n\u0103m 2013 – 2014 \u0111\u1ec3 thu h\u00fat h\u00e0ng ch\u1ee5c ngh\u00ecn t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi c\u1ee7a BSR theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a \u00f4ng H\u00e0 V\u0103n Th\u1eafm – nguy\u00ean Ch\u1ee7 t\u1ecbch OceanBank v\u00e0 \u00f4ng Nguy\u1ec5n Xu\u00e2n S\u01a1n – nguy\u00ean T\u1ed5ng gi\u00e1m \u0111\u1ed1c OceanBank.<\/p>\n

B\u00ecnh lu\u1eadn v\u1ec1 \u0111i\u1ec1u n\u00e0y, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, \u0111\u00e2y l\u00e0 sai ph\u1ea1m m\u00e0 nhi\u1ec1u ng\u00e2n h\u00e0ng \u1edf th\u1eddi \u0111i\u1ec3m \u0111\u00f3 c\u00f3 th\u1ec3 m\u1eafc ph\u1ea3i tr\u01b0\u1edbc s\u1ee9c \u00e9p thu h\u00fat ti\u1ec1n g\u1eedi t\u1eeb th\u1ecb tr\u01b0\u1eddng, song \u0111\u1ebfn nay, h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i theo h\u01b0\u1edbng h\u1ea1n ch\u1ebf ph\u00e1t sinh nh\u1eefng v\u1ee5 vi\u1ec7c nh\u01b0 v\u1eady, ngo\u1ea1i tr\u1eeb v\u00e0i tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ec3 vi ph\u1ea1m nh\u01b0ng kh\u00f4ng c\u0103ng th\u1eb3ng nh\u01b0 tr\u01b0\u1edbc.<\/em><\/p>\n

\u201cHi\u1ec7n nay, nhi\u1ec1u quy \u0111\u1ecbnh \u0111\u00e3 ph\u1ea7n n\u00e0o d\u1ec5 th\u1edf h\u01a1n v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tuy nhi\u00ean, trong huy \u0111\u1ed9ng v\u1ed1n vay, v\u1eabn c\u00f3 th\u1ec3 c\u00f2n hi\u1ec7n t\u01b0\u1ee3ng m\u1eb7c c\u1ea3 l\u00e3i su\u1ea5t v\u00ec ng\u01b0\u1eddi g\u1eedi ti\u1ec1n lu\u00f4n tin l\u00e0 c\u00f3 th\u1ec3 c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n n\u1ebfu g\u1eedi ti\u1ec1n gi\u00e1 tr\u1ecb l\u1edbn\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

T\u1eeb \u0111i\u1ec3m h\u1ea1n ch\u1ebf \u0111\u00f3, v\u1ecb lu\u1eadt s\u01b0 n\u00e0y \u0111\u1ec1 xu\u1ea5t n\u00ean ch\u1eb7t ch\u1ebd v\u00e0 nh\u1ea5t qu\u00e1n trong gi\u00e1m s\u00e1t l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng l\u1eeba \u0111\u1ea3o khi\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng thi\u1ebfu l\u00e0nh m\u1ea1nh.<\/em><\/p>\n

\u201cNh\u1eefng b\u00e0i h\u1ecdc n\u00f3i tr\u00ean v\u1eabn c\u00f2n t\u00ednh th\u1eddi s\u1ef1, ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro t\u1eeb c\u00e1c sai s\u00f3t nh\u01b0 v\u1eady h\u00e0ng ng\u00e0y. \u0110\u00e1ng ch\u00fa \u00fd, v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf, c\u00e1c giao d\u1ecbch ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng l\u1edbn, s\u1ed1 l\u01b0\u1ee3ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ng\u00e0y c\u00e0ng t\u0103ng, c\u00e1c sai ph\u1ea1m ng\u00e0y c\u00e0ng tinh vi v\u00e0 kh\u00f3 \u0111\u1ed1i ph\u00f3. D\u1eabu bi\u1ebft kinh doanh l\u00e0 r\u1ee7i ro, ng\u00e0nh n\u00e0o c\u0169ng v\u1eady, song t\u1ed5n th\u1ea5t \u0111\u00e1ng ti\u1ebfc v\u00e0 l\u00e2u d\u00e0i nh\u1ea5t v\u1edbi ng\u00e2n h\u00e0ng trong nh\u1eefng v\u1ee5 vi\u1ec7c nh\u01b0 tr\u00ean ch\u00ednh l\u00e0 sa s\u00fat uy t\u00edn v\u00e0 ni\u1ec1m tin\u201d, \u00f4ng \u0110\u1ee9c chia s\u1ebb.<\/em><\/p>\n

Ho\u00e0ng Oanh<\/strong><\/p>\n

\n

\u0110\u1ea5u th\u1ea7u (Ph\u00e1p lu\u1eadt) 23-01-2019:<\/em><\/strong><\/p>\n

http:\/\/baodauthau.vn\/phap-luat\/nhung-bai-hoc-chua-cu-voi-ngan-hang-89947.html<\/em><\/a><\/p>\n

(485\/1.079)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110T) – Trong c\u00e1c v\u1ee5 \u00e1n li\u00ean quan \u0111\u1ebfn vi\u1ec7c kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, chi l\u00e3i ngo\u00e0i h\u1ee3p \u0111\u1ed3ng, thi\u1ec7t h\u1ea1i to l\u1edbn v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng ch\u1ec9 l\u00e0 th\u1ea5t tho\u00e1t t\u00e0i s\u1ea3n m\u00e0 c\u00f2n l\u00e0 m\u1ea5t m\u00e1t ni\u1ec1m tin v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 […]<\/p>\n","protected":false},"author":7,"featured_media":13262,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-13261","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.476. 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