{"id":15851,"date":"2017-06-09T10:20:23","date_gmt":"2017-06-09T03:20:23","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15851"},"modified":"2022-03-24T10:25:09","modified_gmt":"2022-03-24T03:25:09","slug":"1-683-tai-sao-lai-bat-phai-chuyen-tai-khoan-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-683-tai-sao-lai-bat-phai-chuyen-tai-khoan-ngan-hang\/","title":{"rendered":"1.683. T\u1ea1i sao l\u1ea1i b\u1eaft ph\u1ea3i chuy\u1ec3n t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng?"},"content":{"rendered":"(PL)- Vi\u1ec7c b\u1eaft bu\u1ed9c ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i t\u00e0i kho\u1ea3n g\u00e2y ra s\u1ef1 lo ng\u1ea1i v\u00e0 x\u00e1o tr\u1ed9n kh\u00f4ng c\u1ea7n thi\u1ebft.<\/strong><\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 c\u00f3 th\u00f4ng tin ch\u00ednh th\u1ee9c v\u1ec1 vi\u1ec7c bu\u1ed9c c\u00e1c h\u1ed9 gia \u0111\u00ecnh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n (DNTN), v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 (VPLS)\u2026 ph\u1ea3i chuy\u1ec3n t\u00e0i kho\u1ea3n sang t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n, n\u1ebfu kh\u00f4ng s\u1ebd b\u1ecb \u0111\u00f3ng t\u00e0i kho\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng. NHNN gi\u1ea3i th\u00edch r\u1eb1ng vi\u1ec7c y\u00eau c\u1ea7u c\u00e1c ch\u1ee7 th\u1ec3 tr\u00ean ph\u1ea3i thay \u0111\u1ed5i t\u00ean t\u00e0i kho\u1ea3n l\u00e0 \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi Th\u00f4ng t\u01b0 s\u1ed1 32\/2016 v\u00e0 BLDS 2015, t\u1ee9c ch\u1ee7 th\u1ec3 c\u1ee7a quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n. \u0110\u1ed9ng th\u00e1i n\u00e0y ti\u1ebfp t\u1ee5c g\u00e2y ra s\u1ef1 lo ng\u1ea1i v\u00e0 x\u00e1o tr\u1ed9n kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\n

L\u00e0 ng\u01b0\u1eddi c\u00f3 g\u1ea7n 20 n\u0103m l\u00e0m ng\u00e0nh ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi l\u00e0 ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Trung t\u00e2m Tr\u1ecdng t\u00e0i qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC), nh\u1eadn \u0111\u1ecbnh: \u201cTh\u00f4ng t\u01b0 32 c\u1ee7a NHNN tuy kh\u00f4ng sai nh\u01b0ng l\u1ea1i tr\u00e1i ng\u01b0\u1ee3c, v\u00f4 hi\u1ec7u h\u00f3a nhi\u1ec1u lu\u1eadt kh\u00e1c\u201d.<\/p>\n

\u1ea2nh h\u01b0\u1edfng tr\u00ean m\u1ed9t ph\u1ea1m vi r\u1ea5t r\u1ed9ng<\/strong><\/p>\n

. Ph\u00f3ng vi\u00ean:\u00a0<\/strong>Th\u01b0a \u00f4ng, t\u1ee9c l\u00e0 d\u00f9 sao th\u00ec th\u00f4ng t\u01b0 n\u00f3i tr\u00ean c\u0169ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd?<\/em><\/p>\n

\"\"<\/p>\n

+ Lu\u1eadt s\u01b0\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong>: \u0110\u00f3 l\u00e0 \u0111i\u1ec1u \u0111\u01b0\u01a1ng nhi\u00ean b\u1edfi kh\u00f4ng ai ban h\u00e0nh c\u00e1i g\u00ec m\u00e0 kh\u00f4ng d\u1ef1a v\u00e0o lu\u1eadt. Tuy v\u1eady, v\u1ea5n \u0111\u1ec1 l\u00e0 nh\u1eefng c\u01a1 s\u1edf ph\u00e1p l\u00fd \u1ea5y c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n v\u00e0 c\u00e1c lu\u1eadt kh\u00e1c hay kh\u00f4ng l\u1ea1i l\u00e0 v\u1ea5n \u0111\u1ec1 kh\u00e1c.<\/p>\n

Kh\u00e1c v\u1edbi BLDS 2005, BLDS 2015 quy \u0111\u1ecbnh ch\u1ec9 c\u00f2n hai lo\u1ea1i ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 l\u00e0 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n. C\u00f2n nh\u1eefng ch\u1ee7 th\u1ec3 nh\u01b0 h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, DNTN, VPLS v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n th\u00ec kh\u00f4ng ph\u1ea3i l\u00e0 ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1.<\/p>\n

V\u00ec v\u1eady, v\u1ec1 nguy\u00ean t\u1eafc, vi\u1ec7c c\u00e1c ch\u1ee7 th\u1ec3 n\u00f3i tr\u00ean kh\u00f4ng ph\u1ea3i l\u00e0 ch\u1ee7 th\u1ec3 tham gia giao d\u1ecbch t\u00e0i kho\u1ea3n t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 32\/2016 c\u1ee7a NHNN l\u00e0 kh\u00f4ng tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a BLDS 2015. Tuy nhi\u00ean, th\u00f4ng t\u01b0 n\u00e0y v\u00f4 h\u00ecnh trung l\u1ea1i tr\u00e1i ng\u01b0\u1ee3c, v\u00f4 hi\u1ec7u h\u00f3a nhi\u1ec1u lu\u1eadt kh\u00e1c.<\/p>\n

. Th\u01b0a \u00f4ng, nh\u1eefng lu\u1eadt n\u00e0o c\u00f3 \u201cnguy c\u01a1\u201d b\u1ecb th\u00f4ng t\u01b0 c\u1ee7a NHNN v\u00f4 hi\u1ec7u h\u00f3a nh\u01b0 \u00f4ng n\u00f3i v\u00e0 nh\u1eefng ch\u1ee7 th\u1ec3 n\u00e0o s\u1ebd b\u1ecb th\u00f4ng t\u01b0 n\u00e0y \u1ea3nh h\u01b0\u1edfng?<\/em><\/p>\n

+ Ch\u00fang ta bi\u1ebft BLDS 2015 quy \u0111\u1ecbnh v\u1ec1 c\u00e1c ch\u1ee7 th\u1ec3 ph\u00e1p l\u00fd v\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1 \u0111\u1ec3 \u00e1p d\u1ee5ng cho m\u1ecdi quan h\u1ec7 d\u00e2n s\u1ef1 n\u00f3i chung, bao g\u1ed3m c\u1ea3 h\u00f4n nh\u00e2n v\u00e0 gia \u0111\u00ecnh, kinh doanh, th\u01b0\u01a1ng m\u1ea1i, lao \u0111\u1ed9ng. Tuy nhi\u00ean, kh\u00f4ng ch\u1ec9 c\u00f3 BLDS quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3 v\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1.<\/p>\n

\"\"C\u00e1c v\u0103n ph\u00f2ng lu\u1eadt s\u01b0, h\u1ed9 gia \u0111\u00ecnh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n\u2026 kh\u00f4ng kh\u1ecfi lo l\u1eafng khi ph\u1ea3i chuy\u1ec3n t\u00e0i kho\u1ea3n sang t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n, n\u1ebfu kh\u00f4ng s\u1ebd b\u1ecb \u0111\u00f3ng t\u00e0i kho\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng. \u1ea2nh: HTD<\/em><\/p>\n

C\u00f3 nhi\u1ec1u ch\u1ee7 th\u1ec3 (th\u1ef1c th\u1ec3 ph\u00e1p l\u00fd) kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e1p nh\u00e2n nh\u01b0ng c\u0169ng kh\u00f4ng \u0111\u01a1n thu\u1ea7n l\u00e0 m\u1ed9t c\u00e1 nh\u00e2n m\u00e0 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c, g\u1ed3m t\u1eadp h\u1ee3p m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n. Ch\u1eb3ng h\u1ea1n VPLS theo Lu\u1eadt Lu\u1eadt s\u01b0 n\u0103m 2006 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2012); h\u1ed9 gia \u0111\u00ecnh theo Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2013; DNTN theo Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2014; h\u1ed9 kinh doanh theo Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2014…<\/p>\n

Nh\u01b0 v\u1eady t\u00ednh s\u01a1 s\u01a1 \u0111\u00e3 c\u00f3 t\u1edbi 12 ch\u1ee7 th\u1ec3 n\u1eb1m r\u1ea3i r\u00e1c \u1edf 12 lu\u1eadt v\u00e0 ngh\u1ecb quy\u1ebft b\u1ecb th\u00f4ng t\u01b0 n\u00f3i tr\u00ean \u201c\u0111\u1ee5ng ch\u1ea1m\u201d. Th\u1eadm ch\u00ed n\u1ebfu ng\u00e2n h\u00e0ng kh\u00f4ng cho DNTN giao d\u1ecbch t\u00e0i kho\u1ea3n th\u00ec g\u1ea7n nh\u01b0 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ph\u1ea3i x\u00f3a b\u1ecf c\u00e1c DNTN v\u00e0 nhi\u1ec1u th\u1ef1c th\u1ec3 ph\u00e1p l\u00fd kh\u00e1c.<\/p>\n

. V\u1eady c\u00f3 c\u00e1ch n\u00e0o \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y kh\u00f4ng?<\/em><\/p>\n

+ Ph\u1ea3i th\u1ed1ng nh\u1ea5t v\u1edbi nhau th\u1ebf n\u00e0y: Ph\u00e1p nh\u00e2n c\u00f3 nhi\u1ec1u d\u1ea1ng kh\u00e1c nhau, bao g\u1ed3m ph\u00e1p nh\u00e2n th\u01b0\u01a1ng m\u1ea1i v\u00e0 ph\u00e1p nh\u00e2n phi th\u01b0\u01a1ng m\u1ea1i, g\u1ed3m c\u01a1 quan nh\u00e0 n\u01b0\u1edbc, t\u1ed5 ch\u1ee9c x\u00e3 h\u1ed9i, t\u1ed5 ch\u1ee9c kinh t\u1ebf…<\/p>\n

T\u1ed5 ch\u1ee9c kinh t\u1ebf l\u1ea1i bao g\u1ed3m qu\u1ef9 \u0111\u1ea7u t\u01b0, h\u1ee3p t\u00e1c x\u00e3, doanh nghi\u1ec7p… Doanh nghi\u1ec7p l\u1ea1i bao g\u1ed3m c\u00f4ng ty h\u1ee3p danh, c\u00f4ng ty c\u1ed5 ph\u1ea7n, c\u00f4ng ty TNHH. C\u00f4ng ty TNHH l\u1ea1i bao g\u1ed3m c\u00f4ng ty TNHH m\u1ed9t th\u00e0nh vi\u00ean, c\u00f4ng ty TNHH hai th\u00e0nh vi\u00ean tr\u1edf l\u00ean.<\/p>\n

T\u01b0\u01a1ng t\u1ef1 khi giao d\u1ecbch v\u1edbi c\u00e1 nh\u00e2n, kh\u00f4ng n\u00ean hi\u1ec3u m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n, c\u1ee9ng nh\u1eafc, m\u00e1y m\u00f3c l\u00e0 ch\u1ec9 c\u00f3 m\u1ed9t c\u00e1 nh\u00e2n l\u00e0 th\u1ec3 nh\u00e2n hay c\u00e1 th\u1ec3. C\u00e1 nh\u00e2n, ngo\u00e0i l\u00e0 m\u1ed9t c\u00e1 nh\u00e2n (th\u1ec3 nh\u00e2n), c\u00f2n c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t th\u1ef1c th\u1ec3 ph\u00e1p l\u00fd m\u00e0 th\u00e0nh vi\u00ean bao g\u1ed3m m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n, nh\u00f3m c\u00e1 nh\u00e2n nh\u01b0 t\u00f4i \u0111\u00e3 n\u00f3i \u1edf tr\u00ean.<\/p>\n

V\u00e0 h\u1ec7 qu\u1ea3 r\u00fat ra l\u00e0: Khi giao d\u1ecbch v\u1edbi ph\u00e1p nh\u00e2n \u0111\u00e3 ch\u1ea5p nh\u1eadn nhi\u1ec1u t\u00ean g\u1ecdi r\u1ea5t kh\u00e1c nhau th\u00ec khi giao d\u1ecbch v\u1edbi c\u00e1 nh\u00e2n c\u0169ng c\u1ea7n ch\u1ea5p nh\u1eadn t\u01b0\u01a1ng t\u1ef1. N\u1ebfu c\u1ee9 b\u1eaft ph\u1ea3i giao d\u1ecbch duy nh\u1ea5t v\u1edbi c\u00e1 nh\u00e2n th\u00ec kh\u00f4ng \u0111\u00fang v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt khi c\u00f3 nhi\u1ec1u th\u1ef1c th\u1ec3 ph\u00e1p l\u00fd kh\u00e1c nhau \u0111\u00e3 \u0111\u01b0\u1ee3c lu\u1eadt h\u00f3a.<\/p>\n

Kh\u00f4ng n\u00ean g\u00e2y ra xung \u0111\u1ed9t<\/strong><\/p>\n

. Th\u01b0a \u00f4ng, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng NHNN \u0111\u00e3 hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng ch\u01b0a ch\u00ednh x\u00e1c BLDS 2015. V\u00ed d\u1ee5 chi nh\u00e1nh, v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n c\u1ee7a c\u00f4ng ty, VPLS, hay c\u00e1c DNTN kh\u00e1c v\u1eabn c\u00f3 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1. Quan \u0111i\u1ec3m c\u1ee7a \u00f4ng v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y th\u1ebf n\u00e0o?<\/em><\/p>\n

+ Chi nh\u00e1nh v\u00e0 v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n kh\u00f4ng ch\u1ecbu s\u1ef1 chi ph\u1ed1i c\u1ee7a BLDS 2015 b\u1edfi nh\u1eefng ch\u1ee7 th\u1ec3 n\u00e0y n\u1ebfu giao d\u1ecbch th\u00ec tr\u00ean t\u01b0 c\u00e1ch \u0111\u1ea1i di\u1ec7n cho ph\u00e1p nh\u00e2n. N\u1ebfu ch\u1ec9 hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng duy nh\u1ea5t BLDS 2015 cho v\u1ea5n \u0111\u1ec1 n\u00e0y th\u00ec kh\u00f4ng c\u00f3 g\u00ec sai c\u1ea3. Song n\u1ebfu \u0111em v\u1ea5n \u0111\u1ec1 n\u00e0y soi r\u1ecdi trong t\u1ed5ng th\u1ec3 h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt th\u00ec c\u00f3 v\u1ea5n \u0111\u1ec1.<\/p>\n

N\u1ebfu xem x\u00e9t chi ti\u1ebft h\u01a1n ch\u00fat n\u1eefa th\u00ec ngay \u0110i\u1ec1u 344 BLDS 2015 v\u1eabn b\u1eaft bu\u1ed9c ng\u00e2n h\u00e0ng ph\u1ea3i cho vay t\u00edn ch\u1ea5p \u0111\u1ed1i v\u1edbi h\u1ed9 gia \u0111\u00ecnh ngh\u00e8o, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n th\u00e0nh vi\u00ean c\u1ee7a h\u1ed9 gia \u0111\u00ecnh.<\/p>\n

. T\u1ee9c l\u00e0 kh\u00f4ng n\u00ean b\u1eaft bu\u1ed9c c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i ph\u00e1p nh\u00e2n ph\u1ea3i chuy\u1ec3n h\u1ebft th\u00e0nh ph\u00e1p nh\u00e2n hay chuy\u1ec3n sang t\u00ean c\u00e1 nh\u00e2n, th\u01b0a \u00f4ng?<\/em><\/p>\n

+ C\u00e1ch t\u1ed1t nh\u1ea5t l\u00e0 gi\u1eef nguy\u00ean t\u00ean g\u1ecdi c\u00e1c th\u1ef1c th\u1ec3 ph\u00e1p l\u00fd theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt trong giao d\u1ecbch. Gi\u1eef nguy\u00ean nh\u01b0ng x\u1eed l\u00fd b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd v\u1edbi ch\u00fang nh\u01b0 v\u1edbi c\u00e1 nh\u00e2n ch\u1ee9 kh\u00f4ng ph\u1ea3i nh\u01b0 \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 c\u00e1c ch\u1ee7 th\u1ec3 d\u00e2n s\u1ef1 nh\u01b0 tr\u01b0\u1edbc kia. L\u00e0m \u0111\u01b0\u1ee3c nh\u01b0 v\u1eady th\u00ec v\u1eeba \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a BLDS 2015, v\u1eeba ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi h\u00e0ng ng\u00e0n \u0111\u1ea1o lu\u1eadt v\u00e0 v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt kh\u00e1c.<\/p>\n

Nh\u01b0ng c\u00e1i l\u1ee3i l\u1edbn nh\u1ea5t l\u00e0 kh\u00f4ng g\u00e2y ra s\u1ef1 xung \u0111\u1ed9t, kh\u00f3 kh\u0103n, c\u1ea3n tr\u1edf, v\u01b0\u1edbng m\u1eafc g\u00ec cho kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng v\u00e0 c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n kh\u00e1c.<\/p>\n

. Xin c\u00e1m \u01a1n \u00f4ng.<\/em><\/p>\n\n\n\n
Ph\u1ed1i h\u1ee3p \u0111\u1ec3 th\u00e1o g\u1ee1 v\u01b0\u1edbng m\u1eafc<\/strong><\/p>\n

\u00d4ng \u0110\u1eadu Anh Tu\u1ea5n, Tr\u01b0\u1edfng ban Ph\u00e1p ch\u1ebf Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), cho bi\u1ebft \u0111ang theo d\u00f5i ph\u1ea3n \u00e1nh v\u01b0\u1edbng m\u1eafc li\u00ean quan \u0111\u1ebfn t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, Th\u00f4ng t\u01b0 32\/2016 \u0111\u1ec3 ph\u1ed1i h\u1ee3p g\u1ee1 v\u01b0\u1edbng cho c\u1ed9ng \u0111\u1ed3ng doanh nghi\u1ec7p. Trong khi \u0111\u00f3, \u0111\u1ea1i di\u1ec7n NHNN th\u1eeba nh\u1eadn vi\u1ec7c t\u1ed3n t\u1ea1i c\u1ee7a c\u00e1c t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n tr\u01b0\u1edbc khi Th\u00f4ng t\u01b0 32 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh l\u00e0 th\u1ef1c t\u1ebf. Do v\u1eady, \u0111\u1ec3 h\u1ea1n ch\u1ebf x\u00e1o tr\u1ed9n trong ho\u1ea1t \u0111\u1ed9ng m\u1edf, s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c th\u1ef1c hi\u1ec7n vi\u1ec7c x\u1eed l\u00fd chuy\u1ec3n ti\u1ebfp \u0111\u1ed1i v\u1edbi c\u00e1c t\u00e0i kho\u1ea3n thanh to\u00e1n…<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, m\u1ed9t ph\u00f3 gi\u00e1m \u0111\u1ed1c NHNN Chi nh\u00e1nh TP.HCM cho bi\u1ebft n\u1ebfu vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i n\u00e0y c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn th\u1ee7 t\u1ee5c thu\u1ebf, b\u1ea3o hi\u1ec3m, danh x\u01b0ng\u2026 th\u00ec s\u1ebd nghi\u00ean c\u1ee9u v\u00e0 tr\u1ea3 l\u1eddi b\u1eb1ng c\u00f4ng v\u0103n.<\/p>\n

__________________________<\/p>\n

T\u1ea1i sao l\u1ea1i ph\u1ee7 nh\u1eadn<\/strong><\/p>\n

C\u00f3 th\u1ec3 n\u00f3i kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng, ch\u1eb7t ch\u1ebd, kh\u1eaft khe h\u01a1n th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng theo BLTTDS 2015, BLTTHS 2015 v\u00e0 Lu\u1eadt TTHC 2015. Nh\u01b0ng t\u00f2a \u00e1n v\u1eabn ch\u1ea5p nh\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng m\u00e0 ch\u1ee7 th\u1ec3 giao k\u1ebft l\u00e0 DNTN v\u00e0 ch\u1ea5p nh\u1eadn vai tr\u00f2 c\u1ee7a VPLS trong qu\u00e1 tr\u00ecnh tham gia t\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1, h\u00ecnh s\u1ef1 v\u00e0 h\u00e0nh ch\u00ednh d\u00f9 ch\u00fang \u0111\u1ec1u kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n.<\/p>\n

V\u1eady t\u1ea1i sao l\u1ea1i x\u1ea3y ra vi\u1ec7c ph\u1ee7 nh\u1eadn c\u00e1c ch\u1ee7 th\u1ec3 n\u00e0y khi vay v\u1ed1n v\u00e0 giao d\u1ecbch t\u00e0i kho\u1ea3n v\u1edbi ng\u00e2n h\u00e0ng?<\/p>\n

LS\u00a0TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

CH\u00c2N LU\u1eacN th\u1ef1c hi\u1ec7n<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014-<\/p>\n

Ph\u00e1p lu\u1eadt TP HCM (Kinh t\u1ebf) 09-6-2017:<\/em><\/strong><\/p>\n

http:\/\/plo.vn\/kinh-te\/quan-ly-kinh-te\/tai-sao-lai-bat-phai-chuyen-tai-khoan-ngan-hang-707533.html<\/a><\/em><\/p>\n

(1.190\/1.511)<\/em>","protected":false},"excerpt":{"rendered":"

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