{"id":14189,"date":"2017-12-02T14:58:34","date_gmt":"2017-12-02T07:58:34","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=14189"},"modified":"2022-03-18T15:02:53","modified_gmt":"2022-03-18T08:02:53","slug":"1-916-mo-hinh-nao-cho-quy-tin-dung-nhan-dan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-916-mo-hinh-nao-cho-quy-tin-dung-nhan-dan\/","title":{"rendered":"1.916. M\u00f4 h\u00ecnh n\u00e0o cho Qu\u1ef9 t\u00edn d\u1ee5ng Nh\u00e2n d\u00e2n?\u00a0"},"content":{"rendered":"(KT\u0110T) – N\u1ebfu Qu\u1ef9 t\u00edn d\u1ee5ng Nh\u00e2n d\u00e2n (QTDND) y\u1ebfu k\u00e9m th\u00ec v\u1eabn ph\u00e1t hi\u1ec7n x\u1eed l\u00fd, nh\u01b0ng n\u1ebfu g\u1eafn v\u00e0o ph\u00e1p nh\u00e2n s\u1ebd \u0111i v\u00e0o tr\u1eadt t\u1ef1; Khi quy tr\u00e1ch nhi\u1ec7m t\u1eadp th\u1ec3 bu\u1ed9c ng\u01b0\u1eddi trong qu\u1ef9 ph\u1ea3i gi\u00e1m s\u00e1t l\u1eabn nhau.<\/strong><\/p>\n\n\n\n\n
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Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) chia s\u1ebb v\u1edbi B\u00e1o Kinh t\u1ebf&\u0110\u00f4 th\u1ecb tr\u01b0\u1edbc nh\u1eefng sai ph\u1ea1m c\u1ee7a QTDND th\u1eddi gian qua.<\/p>\n

Quy \u0111\u1ecbnh \u0111\u00e3 c\u00f3 nh\u01b0ng ki\u1ec3m so\u00e1t l\u1ecfng l\u1ebbo<\/strong><\/p>\n

V\u1eeba qua m\u1ed9t s\u1ed1 QTDND b\u1ecb v\u1ee1, nguy\u00ean nh\u00e2n l\u00e0 do \u0111\u00e2u, th\u01b0a \u00f4ng?<\/em>
\n– QTDND l\u00e0 lo\u1ea1i h\u00ecnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng h\u1ee3p t\u00e1c, ho\u1ea1t \u0111\u1ed9ng theo nguy\u00ean t\u1eafc t\u1ef1 nguy\u1ec7n, t\u1ef1 ch\u1ee7, t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m. M\u1ee5c ti\u00eau ch\u1ee7 y\u1ebfu l\u00e0 t\u01b0\u01a1ng tr\u1ee3 gi\u1eefa c\u00e1c th\u00e0nh vi\u00ean, nh\u1eb1m ph\u00e1t huy s\u1ee9c m\u1ea1nh t\u1eadp th\u1ec3 v\u00e0 t\u1eebng th\u00e0nh vi\u00ean, gi\u00fap nhau th\u1ef1c hi\u1ec7n c\u00f3 hi\u1ec7u qu\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh, d\u1ecbch v\u1ee5 v\u00e0 c\u1ea3i thi\u1ec7n \u0111\u1eddi s\u1ed1ng.<\/p>\n

Th\u00f4ng t\u01b0 s\u1ed1 04\/2015\/TT-NHNN c\u1ee7a NHNN v\u1ec1 QTDND c\u0169ng quy \u0111\u1ecbnh, ng\u01b0\u1eddi qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh c\u00f3 n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 c\u00f3 \u0111\u1ee7 c\u00e1c ti\u00eau chu\u1ea9n v\u1ec1 \u0111\u1ea1o \u0111\u1ee9c, tr\u00ecnh \u0111\u1ed9, n\u0103ng l\u1ef1c chuy\u00ean m\u00f4n theo quy \u0111\u1ecbnh c\u1ee7a NHNN, c\u00f3 ph\u1ea9m ch\u1ea5t \u0111\u1ea1o \u0111\u1ee9c t\u1ed1t, c\u00f3 t\u00edn nhi\u1ec7m, c\u00f3 n\u0103ng l\u1ef1c qu\u1ea3n l\u00fd v\u00e0 hi\u1ec3u bi\u1ebft v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. Th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ed3ng th\u1eddi l\u00e0 th\u00e0nh vi\u00ean Ban Ki\u1ec3m so\u00e1t, K\u1ebf to\u00e1n tr\u01b0\u1edfng, Th\u1ee7 qu\u1ef9 c\u1ee7a QTDND v\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 cha, m\u1eb9, v\u1ee3, ch\u1ed3ng, con ho\u1eb7c anh, ch\u1ecb, em ru\u1ed9t c\u1ee7a h\u1ecd. T\u1ed5ng m\u1ee9c cho vay c\u1ee7a QTDND \u0111\u1ed1i v\u1edbi m\u1ed9t th\u00e0nh vi\u00ean l\u00e0 ph\u00e1p nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 t\u1ed5ng s\u1ed1 v\u1ed1n g\u00f3p v\u00e0 s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u1ee7a ph\u00e1p nh\u00e2n \u0111\u00f3 t\u1ea1i QTDND t\u1ea1i th\u1eddi \u0111i\u1ec3m cho vay v\u00e0 th\u1eddi h\u1ea1n cho vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 th\u1eddi h\u1ea1n c\u00f2n l\u1ea1i c\u1ee7a ti\u1ec1n g\u1eedi.<\/p>\n

Tuy nhi\u00ean hi\u1ec7n nay, nhi\u1ec1u qu\u1ef9 \u0111\u00e3 vi ph\u1ea1m, nhi\u1ec1u qu\u1ef9 v\u1eadn h\u00e0nh ki\u1ec3u \u201cgia \u0111\u00ecnh\u201d, kh\u00e2u ki\u1ec3m so\u00e1t, gi\u00e1m s\u00e1t n\u1ed9i b\u1ed9 l\u1ecfng l\u1ebbo. Ngo\u00e0i “chi\u00eau” m\u01b0\u1ee3n uy t\u00edn \u0111\u1ec3 huy \u0111\u1ed9ng v\u00e0 d\u00f9ng v\u00e0o vi\u1ec7c ri\u00eang, tr\u1ea3 th\u00eam l\u00e3i su\u1ea5t ngo\u00e0i; cho vay v\u01b0\u1ee3t qu\u00e1 m\u1ee9c cho vay t\u1ed1i \u0111a; nhi\u1ec1u kh\u00e2u trong tr\u00ecnh t\u1ef1 th\u1ee7 t\u1ee5c vay v\u1ed1n b\u1ecb b\u1ecf qua; s\u1eed d\u1ee5ng v\u1ed1n vay sai m\u1ee5c \u0111\u00edch, nh\u1edd vay h\u1ed9, vay k\u00e9, d\u1ed3n v\u1ed1n cho m\u1ed9t s\u1ed1 ng\u01b0\u1eddi kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n… Tr\u01b0\u1edbc s\u1ef1 vi\u1ec7c Gi\u00e1m \u0111\u1ed1c QTD t\u1ea1i \u0110\u1ed3ng Nai b\u1ecf tr\u1ed1n sau khi m\u01b0\u1ee3n uy t\u00edn qu\u1ef9 huy \u0111\u1ed9ng v\u00e0 cho vay tr\u00e1i quy \u0111\u1ecbnh, d\u00f9ng ti\u1ec1n v\u00e0o m\u1ee5c \u0111\u00edch c\u00e1 nh\u00e2n, tr\u00ean c\u1ea3 n\u01b0\u1edbc c\u0169ng x\u1ea3y ra nhi\u1ec1u s\u1ef1 vi\u1ec7c t\u01b0\u01a1ng t\u1ef1. Kh\u00f4ng \u00edt gi\u00e1m \u0111\u1ed1c QTD \u0111\u00e3 v\u01b0\u1edbng v\u00f2ng lao l\u00fd.<\/p>\n

\u0110\u1ec3 x\u1ea3y ra nh\u01b0 v\u1eady l\u00e0 do bu\u00f4ng l\u1ecfng kh\u00e2u qu\u1ea3n l\u00fd, tr\u00e1ch nhi\u1ec7m thu\u1ed9c v\u1ec1 c\u01a1 quan n\u00e0o?<\/em><\/p>\n

– Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a QTDND ghi r\u1ea5t r\u00f5: Ho\u1ea1t \u0111\u1ed9ng kinh doanh theo gi\u1ea5y ph\u00e9p \u0111\u01b0\u1ee3c c\u1ea5p; ch\u1ea5p h\u00e0nh c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u1ec1 ti\u1ec1n t\u1ec7, t\u00edn d\u1ee5ng v\u00e0 d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng; T\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u00e0 c\u00f9ng c\u00f3 l\u1ee3i v\u1ec1 k\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh. QTD n\u1ebfu theo c\u00e1ch s\u1eed d\u1ee5ng b\u00e2y gi\u1edd th\u00ec thu\u1ed9c tr\u00e1ch nhi\u1ec7m c\u1ee7a qu\u1ef9. N\u00f3i s\u00f2ng ph\u1eb3ng, Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng ch\u1ecbu nh\u01b0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng th\u1ec3 bu\u00f4ng v\u00ec s\u1ee3 m\u1ea5t uy t\u00edn, m\u1ea5t tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i th\u00ec NHNN \u0111\u00e3 l\u00ean ti\u1ebfng tr\u1ea5n an ng\u01b0\u1eddi g\u1eedi ti\u1ec1n b\u1eb1ng vi\u1ec7c b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n (nh\u01b0 trong v\u1ee5 gi\u00e1m \u0111\u1ed1c QTD Th\u00e1i B\u00ecnh \u1edf Bi\u00ean H\u00f2a, \u0110\u1ed3ng Nai \u00f4m 50 t\u1ef7 \u0111\u1ed3ng b\u1ecf tr\u1ed1n).<\/p>\n

NHNN c\u0169ng \u0111ang \u0111\u1eb7t h\u1ec7 th\u1ed1ng QTD trong \u201ct\u1ea7m ng\u1eafm\u201d t\u00e1i c\u01a1 c\u1ea5u, trong \u0111\u00f3 c\u00f3 ph\u01b0\u01a1ng \u00e1n c\u00e1c QTD qu\u00e1 y\u1ebfu k\u00e9m, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i tr\u1edf l\u1ea1i s\u1ebd cho ph\u00e1 s\u1ea3n. Ph\u01b0\u01a1ng \u00e1n n\u00e0y c\u00f3 h\u1ee3p l\u00fd kh\u00f4ng, gi\u1ea3i quy\u1ebft ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n s\u1ebd th\u1ebf n\u00e0o?<\/em><\/p>\n

– Trong c\u00e1c bi\u1ec7n ph\u00e1p c\u00f3 ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, t\u00ecm ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i\u2026 Tuy nhi\u00ean n\u1ebfu m\u1ecdi bi\u1ec7n ph\u00e1p \u0111\u1ebfn \u0111\u01b0\u1eddng c\u00f9ng, th\u00ec bu\u1ed9c ph\u1ea3i cho ph\u00e1 s\u1ea3n. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, n\u1ebfu mang ti\u1ec1n \u0111\u1ebfn cho vay ngo\u00e0i, c\u00e1 nh\u00e2n ph\u1ea3i ch\u1ecbu, c\u00f2n khi \u0111\u00e3 \u0111\u1ebfn qu\u1ef9 \u0111\u00f3ng d\u1ea5u, c\u1ea7m s\u1ed5 th\u00ec qu\u1ef9 ph\u1ea3i ch\u1ecbu.<\/p>\n

\u0110\u1ed1i v\u1edbi chi tr\u1ea3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, n\u1ebfu qu\u1ef9 v\u1eabn c\u00f2n kh\u1ea3 n\u0103ng th\u00ec chi tr\u1ea3 b\u1eb1ng c\u00e1ch b\u00e1n cho c\u00e1c qu\u1ef9 m\u1ea1nh h\u01a1n ho\u1eb7c b\u00e1n l\u1ea1i cho nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 chi tr\u1ea3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, s\u1ed1 c\u00f2n l\u1ea1i Nh\u00e0 n\u01b0\u1edbc s\u1ebd h\u1ed7 tr\u1ee3 \u0111\u1ea3m b\u1ea3o kh\u00f4ng g\u00e2y m\u1ea5t tr\u1eadt t\u1ef1 an to\u00e0n, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1ea5n \u0111\u1ec1 v\u1ec1 x\u00e3 h\u1ed9i c\u0169ng nh\u01b0 l\u00f2ng tin c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. Trong tr\u01b0\u1eddng h\u1ee3p QTD ph\u00e1 s\u1ea3n, ph\u1ea7n t\u00e0i s\u1ea3n c\u1ee7a Qu\u1ef9 sau khi thu h\u1ed3i v\u00e0 chi tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 ngh\u0129a v\u1ee5 thu\u1ebf, c\u0169ng ph\u1ea3i chia cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u1ec3 \u0111\u1ec1n b\u00f9 thi\u1ec7t h\u1ea1i.<\/p>\n

C\u1ea7n thi\u1ebft song ph\u1ea3i c\u1ee7ng c\u1ed1 ch\u1eb7t ch\u1ebd h\u01a1n<\/strong><\/p>\n

X\u1ea3y ra nhi\u1ec1u l\u00f9m x\u00f9m nh\u01b0 v\u1eady, theo \u00f4ng c\u00f3 n\u00ean b\u1ecf h\u1eb3n m\u00f4 h\u00ecnh QTD?<\/em><\/p>\n

– Kh\u00f4ng nh\u1eefng kh\u00f4ng \u0111\u00f3ng c\u1eeda m\u00e0 ph\u1ea3i t\u0103ng l\u00ean, v\u00ec m\u00f4 h\u00ecnh QTD ph\u00f9 h\u1ee3p v\u1edbi n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam, th\u00edch h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh kinh t\u1ebf \u1edf n\u00f4ng th\u00f4n. Song ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u1ef9 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t ch\u1eb7t. NHNN \u0111ang tri\u1ec3n khai \u0110\u1ec1 \u00e1n Ph\u00e1t tri\u1ec3n h\u1ec7 th\u1ed1ng QTDND \u0111\u1ebfn n\u0103m 2020 v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030. Theo \u0111\u00f3, ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng QTD t\u1ea1i n\u00f4ng th\u00f4n. Khi ho\u00e0n thi\u1ec7n t\u1ea5t c\u1ea3 c\u00e1c m\u1eb7t ho\u1ea1t \u0111\u1ed9ng th\u00ec QTDND s\u1ebd c\u00f3 vai tr\u00f2 l\u1edbn, trong vi\u1ec7c \u0111\u1ea9y l\u00f9i n\u1ea1n t\u00edn d\u1ee5ng \u0111en, \u0111\u1ed3ng th\u1eddi, l\u1ea5p \u0111\u1ea7y nh\u1eefng kho\u1ea3ng tr\u1ed1ng m\u00e0 NHTM kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng, \u0111\u1ed3ng th\u1eddi t\u0103ng c\u01b0\u1eddng thanh tra, gi\u00e1m s\u00e1t.<\/p>\n

V\u1eady c\u00f2n ph\u01b0\u01a1ng \u00e1n cho s\u00e1p nh\u1eadp th\u00ec sao, th\u01b0a \u00f4ng?\u00a0<\/em><\/p>\n

– Vi\u1ec7c s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t, chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed5 ph\u1ea7n, g\u00f3p v\u1ed1n c\u1ee7a t\u1eebng lo\u1ea1i h\u00ecnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. C\u00f3 th\u1ec3 cho s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t c\u00e1c qu\u1ef9 kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i ho\u1eb7c b\u00e1n l\u1ea1i cho nh\u00e0 \u0111\u1ea7u t\u01b0 ti\u1ec1m l\u1ef1c. C\u00f2n s\u00e1p nh\u1eadp v\u1edbi NH l\u00e0 kh\u00f4ng kh\u1ea3 thi do kh\u00e1c bi\u1ec7t l\u1edbn v\u1ec1 t\u00ednh ch\u1ea5t ho\u1ea1t \u0111\u1ed9ng v\u00e0 ch\u1ee7 s\u1edf h\u1eefu.<\/p>\n

V\u1eady theo \u00f4ng m\u00f4 h\u00ecnh th\u1ebf n\u00e0o l\u00e0 h\u1ee3p l\u00fd? C\u1ea7n gi\u00e1m s\u00e1t th\u1ebf n\u00e0o?<\/em><\/p>\n

– Theo NHNN th\u00ec v\u1ec1 nguy\u00ean t\u1eafc, ai l\u00e0m sai ng\u01b0\u1eddi \u0111\u00f3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc ph\u00e1p lu\u1eadt. Tuy nhi\u00ean theo t\u00f4i, c\u1ea7n g\u1eafn c\u1ea3 tr\u00e1ch nhi\u1ec7m c\u1ee7a qu\u1ef9. N\u1ebfu th\u1ef1c s\u1ef1 mu\u1ed1n duy tr\u00ec an to\u00e0n \u0111\u1ec3 ph\u00e1t tri\u1ec3n v\u00e0 \u0111\u1ec3 ng\u01b0\u1eddi ta tin t\u01b0\u1edfng, th\u00ec c\u1ea7n gi\u1ea3i quy\u1ebft tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd. \u0110i\u1ec3n h\u00ecnh c\u00e1c qu\u1ef9 g\u1ea7n \u0111\u00e2y nh\u01b0 B\u1eafc Giang m\u1ea5y tr\u0103m ng\u01b0\u1eddi d\u00e2n g\u1eedi, c\u00f3 th\u1ec3 s\u00e1ng tr\u01b0a chi\u1ec1u t\u1ed1i g\u1eedi, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u00e2u l\u00e0 th\u1eadt gi\u1ea3. L\u00e0 s\u1ed5 th\u1eadt h\u1ebft, nh\u01b0ng kh\u00f4ng r\u00f5 s\u1ed5 n\u00e0o \u0111\u01b0a v\u00e0o h\u1ec7 th\u1ed1ng, s\u1ed5 n\u00e0o kh\u00f4ng. Kh\u00f4ng th\u1ec3 tr\u00e1ch nhi\u1ec7m c\u00e1 nh\u00e2n m\u00e0 \u1edf \u0111\u00e2y l\u00e0 tr\u00e1ch nhi\u1ec7m ph\u00e1p nh\u00e2n.<\/p>\n

Th\u1ef1c t\u1ebf v\u00ec t\u01b0 l\u1ee3i c\u1ee7a nh\u1eefng ng\u01b0\u1eddi qu\u1ea3n l\u00fd, \u0111i\u1ec1u h\u00e0nh QTDND, s\u1ef1 y\u1ebfu k\u00e9m v\u1ec1 chuy\u00ean m\u00f4n, thi\u1ebfu b\u1ea3n l\u0129nh trong c\u00f4ng vi\u1ec7c v\u00e0 c\u1ea3 s\u1ef1 th\u00f4ng \u0111\u1ed3ng c\u1ee7a c\u00e1n b\u1ed9 l\u00e0m vi\u1ec7c t\u1ea1i qu\u1ef9, n\u00ean d\u1ec5 b\u1ecb chi ph\u1ed1i \u0111\u1ec3 l\u00e0m sai v\u00e0 v\u00f4 hi\u1ec7u h\u00f3a trong kh\u00e2u ki\u1ec3m so\u00e1t. Do \u0111\u00f3, n\u1ebfu qu\u1ef9 y\u1ebfu k\u00e9m th\u00ec v\u1eabn ph\u00e1t hi\u1ec7n x\u1eed l\u00fd nh\u01b0ng t\u00f4i mu\u1ed1n n\u00f3i l\u00e0 n\u1ebfu c\u1ee9 g\u1eafn v\u00e0o ph\u00e1p nh\u00e2n th\u00ec s\u1ebd \u0111i v\u00e0o tr\u1eadt t\u1ef1. Khi quy tr\u00e1ch nhi\u1ec7m t\u1eadp th\u1ec3 bu\u1ed9c ng\u01b0\u1eddi trong qu\u1ef9 ph\u1ea3i gi\u00e1m s\u00e1t l\u1eabn nhau. Ngo\u00e0i ra quy \u0111\u1ecbnh mu\u1ed1n vay ph\u1ea3i c\u00f3 ng\u01b0\u1eddi b\u1ea3o l\u00e3nh trong qu\u1ef9 \u0111\u1ec3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m, cam k\u1ebft s\u1eed d\u1ee5ng \u0111\u00fang ngu\u1ed3n ti\u1ec1n.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Gi\u1ea3i quy\u1ebft th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n t\u1ea1i Qu\u1ef9 t\u00edn d\u1ee5ng Nh\u00e2n d\u00e2n ph\u01b0\u1eddng Quang Trung, qu\u1eadn H\u00e0 \u0110\u00f4ng. \u00a0\u1ea2nh: B\u00e1 Ho\u1ea1t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ec3 duy tr\u00ec, ph\u00e1t tri\u1ec3n v\u00e0 n\u00e2ng cao hi\u1ec7u qu\u1ea3 c\u1ee7a h\u1ec7 th\u1ed1ng QTDND, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c c\u00f4ng khai, minh b\u1ea1ch. \u0110i\u1ec1u \u0111\u00f3 \u0111\u00f2i h\u1ecfi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng QTDND ph\u1ea3i th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c ki\u1ec3m tra, \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 c\u00e1c nguy\u00ean t\u1eafc, chu\u1ea9n m\u1ef1c v\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. V\u1ec1 ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd l\u00e0 NHNN Chi nh\u00e1nh c\u00e1c t\u1ec9nh th\u00e0nh, h\u1ed7 tr\u1ee3 n\u00e2ng cao n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb \u0111i\u1ec1u h\u00e0nh c\u1ee7a QTDND, \u0111\u1eb7c bi\u1ec7t l\u00e0 h\u1ec7 th\u1ed1ng ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9, \u0111\u1ea3m b\u1ea3o ng\u01b0\u1eddi qu\u1ea3n l\u00fd \u0111i\u1ec1u h\u00e0nh qu\u1ef9 ph\u1ea3i \u0111\u00e1p \u1ee9ng ti\u00eau chu\u1ea9n v\u1ec1 n\u0103ng l\u1ef1c v\u00e0 tr\u00ecnh \u0111\u1ed9 theo quy \u0111\u1ecbnh. C\u1ea7n r\u00e0 so\u00e1t quy \u0111\u1ecbnh v\u1ec1 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng, qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh v\u00e0 thu h\u1ed3i gi\u1ea5y ph\u00e9p, s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh v\u1ed1n ph\u00e1p \u0111\u1ecbnh ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng v\u00e0 y\u00eau c\u1ea7u \u0111\u1ea3m b\u1ea3o an to\u00e0n c\u1ee7a QTDND trong t\u1eebng giai \u0111o\u1ea1n. C\u1ea7n quy tr\u00ecnh huy \u0111\u1ed9ng v\u00e0 cho vay hi\u1ec7u qu\u1ea3 h\u01a1n, gi\u00e1m s\u00e1t \u0111\u01b0\u1ee3c r\u1ee7i ro v\u00e0 c\u00f3 bi\u1ec7n ph\u00e1p ki\u1ec3m tra, xem x\u00e9t x\u1eed l\u00fd. C\u00f3 th\u1ec3 g\u1eedi chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u00e0y, nh\u01b0ng ng\u01b0\u1eddi d\u00e2n \u0111\u0103ng k\u00ed online giao d\u1ecbch \u0111i\u1ec7n t\u1eed, truy v\u1ea5n online, QTD th\u00ec kh\u00f4ng bi\u1ebft ho\u00e0n to\u00e0n ph\u00f3 th\u00e1c qu\u1ef9. D\u00f3 \u0111\u00f3 c\u1ea7n ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng CNTT cho QTD \u0111\u1ec3 Nh\u00e2n d\u00e2n c\u00f3 c\u01a1 s\u1edf \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u an to\u00e0n ho\u1ea1t \u0111\u1ed9ng v\u00e0 \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i internet.<\/p>\n

V\u1edbi ng\u01b0\u1eddi d\u00e2n c\u1ea7n ch\u00fa \u00fd g\u00ec?<\/em><\/p>\n

– Nhi\u1ec1u ng\u01b0\u1eddi ham l\u00e3i su\u1ea5t cao n\u00ean \u0111\u00e3 thi\u1ebfu c\u1ea3nh gi\u00e1c, \u0111em ti\u1ec1n v\u00e0o g\u1eedi nh\u1eefng n\u01a1i kh\u00f4ng an to\u00e0n, th\u1eadm ch\u00ed c\u00f2n kh\u00f4ng bi\u1ebft l\u00e3nh \u0111\u1ea1o qu\u1ef9 l\u00e0 ai ch\u1ec9 g\u1eedi qua ng\u01b0\u1eddi n\u1ecd, ng\u01b0\u1eddi kia. Kh\u00f4ng n\u00ean \u1ee7y quy\u1ec1n t\u00e0i s\u1ea3n cho ng\u01b0\u1eddi kh\u00e1c qu\u1ea3n l\u00fd, c\u1ea7n l\u1eadp h\u1ee3p \u0111\u1ed3ng ch\u1eb7t ch\u1ebd v\u1ec1 ph\u00e1p l\u00fd.
\nXin c\u1ea3m \u01a1n \u00f4ng!<\/em><\/p>\n

NGUY\u00caN ANH (TH\u1ef0C HI\u1ec6N)<\/a><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/em><\/p>\n

Kinh t\u1ebf & \u0110\u00f4 th\u1ecb (Kinh t\u1ebf) 02-12-2017:<\/em><\/strong><\/p>\n

http:\/\/m.kinhtedothi.vn\/mo-hinh-nao-cho-quy-tin-dung-nhan-dan-304356.html<\/a><\/em><\/p>\n

(1.688\/1.688<\/em>","protected":false},"excerpt":{"rendered":"

(KT\u0110T) – N\u1ebfu Qu\u1ef9 t\u00edn d\u1ee5ng Nh\u00e2n d\u00e2n (QTDND) y\u1ebfu k\u00e9m th\u00ec v\u1eabn ph\u00e1t hi\u1ec7n x\u1eed l\u00fd, nh\u01b0ng n\u1ebfu g\u1eafn v\u00e0o ph\u00e1p nh\u00e2n s\u1ebd \u0111i v\u00e0o tr\u1eadt t\u1ef1; Khi quy tr\u00e1ch nhi\u1ec7m t\u1eadp th\u1ec3 bu\u1ed9c ng\u01b0\u1eddi trong qu\u1ef9 ph\u1ea3i gi\u00e1m s\u00e1t l\u1eabn nhau. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, […]<\/p>\n","protected":false},"author":1,"featured_media":14190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-14189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.916. M\u00f4 h\u00ecnh n\u00e0o cho Qu\u1ef9 t\u00edn d\u1ee5ng Nh\u00e2n d\u00e2n?\u00a0 - 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\/1-916-mo-hinh-nao-cho-quy-tin-dung-nhan-dan\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.916. M\u00f4 h\u00ecnh n\u00e0o cho Qu\u1ef9 t\u00edn d\u1ee5ng Nh\u00e2n d\u00e2n?\u00a0[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(KT\u0110T) – N\u1ebfu Qu\u1ef9 t\u00edn d\u1ee5ng Nh\u00e2n d\u00e2n (QTDND) y\u1ebfu k\u00e9m th\u00ec v\u1eabn ph\u00e1t hi\u1ec7n x\u1eed l\u00fd, nh\u01b0ng n\u1ebfu g\u1eafn v\u00e0o ph\u00e1p nh\u00e2n s\u1ebd \u0111i v\u00e0o tr\u1eadt t\u1ef1; Khi quy tr\u00e1ch nhi\u1ec7m t\u1eadp th\u1ec3 bu\u1ed9c ng\u01b0\u1eddi trong qu\u1ef9 ph\u1ea3i gi\u00e1m s\u00e1t l\u1eabn nhau. 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