{"id":16113,"date":"2017-10-17T14:07:17","date_gmt":"2017-10-17T07:07:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=16113"},"modified":"2022-03-25T14:09:44","modified_gmt":"2022-03-25T07:09:44","slug":"1-852-xu-dai-an-ngan-hang-lo-hang-loat-bat-cap-phap-ly-va-quan-ly","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-852-xu-dai-an-ngan-hang-lo-hang-loat-bat-cap-phap-ly-va-quan-ly\/","title":{"rendered":"1.852. X\u1eed \u0111\u1ea1i \u00e1n ng\u00e2n h\u00e0ng, l\u1ed9 h\u00e0ng lo\u1ea1t b\u1ea5t c\u1eadp ph\u00e1p l\u00fd v\u00e0 qu\u1ea3n l\u00fd"},"content":{"rendered":"
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(PL) – \u0110\u00f3 l\u00e0 nh\u1eefng b\u1ea5t c\u1eadp, l\u1ed7 h\u1ed5ng ph\u00e1p l\u00fd trong vi\u1ec7c mua b\u00e1n; \u0111\u1ecbnh gi\u00e1 ng\u00e2n h\u00e0ng; l\u1ed7 h\u1ed5ng c\u00f4ng t\u00e1c c\u00e1n b\u1ed9; c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd; gi\u00e1m s\u00e1t y\u1ebfu k\u00e9m \u0111\u1ec3 x\u1ea3y ra c\u00e1c \u0111\u1ea1i \u00e1n… g\u00e2y thi\u1ec7t h\u1ea1i cho n\u1ec1n kinh t\u1ebf, \u0111\u1eb7c bi\u1ec7t l\u00e0m \u1ea3nh h\u01b0\u1edfng uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng v\u1edbi ng\u01b0\u1eddi g\u1eedi ti\u1ec1n.<\/strong><\/p>\n

Mua ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng: Kh\u00f4ng theo quy \u0111\u1ecbnh n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt?<\/strong><\/p>\n

Th\u1eddi \u0111i\u1ec3m n\u0103m 2015, theo c\u00f4ng b\u1ed1 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Vi\u1ec7t Nam, 3 ng\u00e2n h\u00e0ng g\u1ed3m: Ng\u00e2n h\u00e0ng TMCP X\u00e2y d\u1ef1ng Vi\u1ec7t Nam (VNCB), Ng\u00e2n h\u00e0ng TMCP \u0110\u1ea1i D\u01b0\u01a1ng (Ocean Bank) v\u00e0 Ng\u00e2n h\u00e0ng TMCP D\u1ea7u kh\u00ed To\u00e0n c\u1ea7u (G.P Bank), d\u1ef1a tr\u00ean c\u01a1 s\u1edf k\u1ebft qu\u1ea3 thanh tra v\u00e0 ki\u1ec3m to\u00e1n, NHNN cho r\u1eb1ng nh\u1eefng ng\u00e2n h\u00e0ng tr\u00ean \u0111\u1ec1u l\u00e0 nh\u1eefng ng\u00e2n h\u00e0ng r\u1ea5t y\u1ebfu k\u00e9m, n\u1ee3 x\u1ea5u cao, nguy c\u01a1 m\u1ea5t v\u1ed1n r\u1ea5t l\u1edbn, gi\u00e1 tr\u1ecb ng\u00e2n h\u00e0ng l\u00e0 \u00e2m h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng v\u00e0 gi\u00e1 tr\u1ecb m\u1ed7i c\u1ed5 ph\u1ea7n l\u00e0 b\u1eb1ng 0 \u0111\u1ed3ng.<\/p>\n

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H\u00e0 V\u0103n Th\u1eafm \u2013 b\u1ecb c\u00e1o \u0111\u1ea7u v\u1ee5 trong \u0111\u1ea1i \u00e1n x\u1ea3y ra t\u1ea1i Oceanbank)<\/figcaption><\/figure>\n

V\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, ba ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i tr\u00ean \u0111\u1ec1u r\u01a1i v\u00e0o \u00edt nh\u1ea5t m\u1ed9t trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 146 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1ec1 \u201c\u00c1p d\u1ee5ng ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t\u201d khi c\u00f3 nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3; n\u1ee3 kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i c\u00f3 nguy c\u01a1 d\u1eabn \u0111\u1ebfn m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n; khi s\u1ed1 l\u1ed7 l\u0169y k\u1ebf l\u1edbn h\u01a1n 50% gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u00e0 c\u00e1c qu\u1ef9 d\u1ef1 tr\u1eef ghi trong b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m to\u00e1n; hai n\u0103m li\u00ean t\u1ee5c b\u1ecb x\u1ebfp lo\u1ea1i y\u1ebfu k\u00e9m; kh\u00f4ng duy tr\u00ec \u0111\u01b0\u1ee3c t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u trong th\u1eddi h\u1ea1n m\u1ed9t n\u0103m li\u00ean t\u1ee5c.<\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam- Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI: Sau khi \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, li\u00ean ti\u1ebfp t\u1eeb th\u00e1ng 3 \u0111\u1ebfn th\u00e1ng 7 n\u0103m 2015, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh mua l\u1ea1i ba Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n tr\u00ean v\u1edbi gi\u00e1 0 \u0111\u1ed3ng v\u00e0 chuy\u1ec3n \u0111\u1ed5i th\u00e0nh Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i TNHH m\u1ed9t th\u00e0nh vi\u00ean, do Nh\u00e0 n\u01b0\u1edbc l\u00e0m ch\u1ee7 s\u1edf h\u1eefu. C\u1ea3 ba ng\u00e2n h\u00e0ng n\u00e0y v\u1eabn \u0111\u01b0\u1ee3c gi\u1eef l\u1ea1i \u0111\u1ec3 ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng kinh doanh, nh\u01b0ng h\u00e0ng ngh\u00ecn c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu s\u1ed1 c\u1ed5 phi\u1ebfu m\u1ec7nh gi\u00e1 h\u01a1n ch\u1ee5c ngh\u00ecn t\u1ef7 \u0111\u1ed3ng c\u1ee7a ba ng\u00e2n h\u00e0ng l\u1eadp t\u1ee9c b\u1ecb ch\u1ea5m d\u1ee9t t\u01b0 c\u00e1ch c\u1ed5 \u0111\u00f4ng, kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea5t k\u1ef3 quy\u1ec1n l\u1ee3i n\u00e0o, \u0111\u1ed3ng th\u1eddi c\u0169ng kh\u00f4ng c\u00f2n ch\u1ecbu b\u1ea5t k\u1ef3 ngh\u0129a v\u1ee5 n\u00e0o v\u1edbi t\u01b0 c\u00e1ch c\u1ed5 \u0111\u00f4ng ng\u00e2n h\u00e0ng. V\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0: t\u1ea1i sao l\u1ea1i mua v\u00e0 mua v\u1edbi gi\u00e1 0 \u0111\u1ed3ng, m\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 duy tr\u00ec, h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, gi\u1ea3i th\u1ec3 hay ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng?<\/p>\n

Ph\u00e2n t\u00edch v\u1ec1 t\u00ednh ph\u00e1p l\u00fd, Lu\u1eadt s\u01b0 \u0110\u1ee9c kh\u1eb3ng \u0111\u1ecbnh: \u201cC\u01a1 s\u1edf ph\u00e1p l\u00fd nh\u1eefng v\u1ee5 mua b\u00e1n 3 ng\u00e2n h\u00e0ng tr\u00ean kh\u00f4ng r\u00f5 r\u00e0ng. T\u00f4i kh\u1eb3ng \u0111\u1ecbnh trong nh\u1eefng v\u1ee5 mua ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng n\u00e0y kh\u00f4ng c\u00f3 b\u00ean b\u00e1n, m\u00e0 ch\u1ec9 c\u00f3 b\u00ean mua l\u00e0 NHNN. B\u1ea3n ch\u1ea5t th\u1eadt c\u1ee7a vi\u1ec7c mua b\u00e1n l\u00e0 tr\u01b0ng thu ng\u00e2n h\u00e0ng, coi nh\u01b0 l\u00e0 thu lu\u00f4n. Nh\u01b0 v\u1eady l\u00e0 vi hi\u1ebfn.<\/p>\n

C\u0169ng li\u00ean quan \u0111\u1ebfn t\u00ednh ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c mua ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng, m\u1edbi \u0111\u00e2y, trong phi\u00ean t\u00f2a x\u00e9t x\u1eed \u0111\u1ea1i \u00e1n x\u1ea3y ra t\u1ea1i ng\u00e2n h\u00e0ng Oceanbank, H\u0110XX ki\u1ebfn ngh\u1ecb c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n xem x\u00e9t l\u1ea1i c\u00e1c c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u1ec1 vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc mua b\u1eaft bu\u1ed9c gi\u00e1 0 \u0111\u1ed3ng m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng.<\/p>\n

C\u00f2n Lu\u1eadt s\u01b0 Phan Trung Ho\u00e0i, Tr\u01b0\u1edfng V\u0103n ph\u00f2ng Lu\u1eadt s\u01b0 Phan Trung Ho\u00e0i ph\u00e2n t\u00edch: kh\u00f4ng ph\u1ea3i sau vi\u1ec7c x\u00e9t x\u1eed v\u1ee5 \u00e1n x\u1ea3y ra t\u1ea1i ng\u00e2n h\u00e0ng Oceanbank, m\u00e0 tr\u01b0\u1edbc \u0111\u00f3, khi x\u00e9t x\u1eed c\u00e1c v\u1ee5 \u00e1n kh\u00e1c x\u1ea3y ra \u1edf c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c nh\u01b0 Ng\u00e2n h\u00e0ng TMCP X\u00e2y d\u1ef1ng Vi\u1ec7t Nam (VNCB); Ng\u00e2n h\u00e0ng TMCP D\u1ea7u kh\u00ed To\u00e0n c\u1ea7u (GP Bank), c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 ph\u00e1p l\u00fd v\u1ec1 vi\u1ec7c NHNN mua c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi gi\u00e1 0 \u0111\u1ed3ng \u0111\u00e3 n\u1ea3y sinh trong qu\u00e1 tr\u00ecnh tranh t\u1ee5ng.<\/p>\n

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Ph\u1ea1m C\u00f4ng Danh t\u1ea1i phi\u00ean t\u00f2a x\u00e9t x\u1eed \u0111\u1ea1i \u00e1n x\u1ea3y ra \u1edf VNCB)<\/figcaption><\/figure>\n

Khi tham gia t\u1ed1 t\u1ee5ng v\u1ee5 \u00e1n Ph\u1ea1m C\u00f4ng Danh \u1edf Ng\u00e2n h\u00e0ng TMCP X\u00e2y d\u1ef1ng Vi\u1ec7t Nam (VNCB), ch\u00fang t\u00f4i \u0111\u00e3 \u0111\u1eb7t ra v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u00ednh ph\u00e1p l\u00fd c\u1ee7a quy\u1ebft \u0111\u1ecbnh c\u01b0\u1ee1ng ch\u1ebf mua b\u1eaft bu\u1ed9c VNCB v\u1edbi gi\u00e1 0 \u0111\u1ed3ng c\u00f3 c\u0103n c\u1ee9 hay kh\u00f4ng? C\u1ee5 th\u1ec3, ng\u00e0y 5\/3\/2015, NHNN ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh 249 v\u1ec1 vi\u1ec7c quy\u1ebft \u0111\u1ecbnh mua to\u00e0n b\u1ed9 c\u1ed5 ph\u1ea7n v\u00e0 chuy\u1ec3n \u0111\u1ed5i th\u00e0nh Ng\u00e2n h\u00e0ng TNHH MTV do Nh\u00e0 n\u01b0\u1edbc l\u00e0m ch\u1ee7 s\u1edf h\u1eefu. N\u1ed9i dung c\u1ee7a quy\u1ebft \u0111\u1ecbnh n\u00e0y l\u00e0 mua l\u1ea1i 100% c\u1ed5 ph\u1ea7n c\u1ee7a VNCB v\u1edbi gi\u00e1 0 \u0111\u1ed3ng\/c\u1ed5 ph\u1ea7n, \u0111\u1ed3ng th\u1eddi ch\u1ea5m d\u1ee9t to\u00e0n b\u1ed9 quy\u1ec1n, l\u1ee3i \u00edch c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng hi\u1ec7n h\u1eefu c\u1ee7a VNCB. Theo t\u00f4i v\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3, quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 c\u1ee7a NHNN ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch th\u1ecfa \u0111\u00e1ng \u0111\u1ed1i v\u1edbi 554 c\u1ed5 \u0111\u00f4ng c\u1ee7a ng\u00e2n h\u00e0ng, v\u00ec n\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 quy\u1ec1n l\u1ee3i v\u1ec1 t\u00e0i s\u1ea3n c\u1ee7a t\u1eadp \u0111o\u00e0n Thi\u00ean Thanh v\u00e0 c\u00e1 nh\u00e2n \u00f4ng Ph\u1ea1m C\u00f4ng Danh. \u0110\u1eb7c bi\u1ec7t mua b\u1eaft bu\u1ed9c 0 \u0111\u1ed3ng l\u1ea1i di\u1ec5n ra sau khi c\u01a1 quan \u0111i\u1ec1u tra c\u1ee7a B\u1ed9 C\u00f4ng an \u0111\u00e3 kh\u1edfi t\u1ed1 v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 t\u1ea1i VNCB ng\u00e0y 26\/7\/2014. Ch\u00ednh v\u00ec v\u1eady, khi \u0111\u00f3 ch\u00fang t\u00f4i \u0111\u01b0a ra \u00fd ki\u1ebfn c\u1ea7n xem x\u00e9t l\u1ea1i quy\u1ebft \u0111\u1ecbnh mua ng\u00e2n h\u00e0ng n\u00e0y 0 \u0111\u1ed3ng c\u1ee7a NHNN. Nh\u01b0ng trong tr\u00edch d\u1eabn c\u00e1o tr\u1ea1ng c\u00f3 n\u00eau l\u00e0 c\u0103n c\u1ee9 v\u00e0o kho\u1ea3n 3, \u0111i\u1ec1u 146, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; kho\u1ea3n 12, \u0111i\u1ec1u 14 c\u1ee7a Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 th\u00f4ng t\u01b0 s\u1ed1 07 ng\u00e0y 14\/3\/2013 v\u1ec1 ki\u1ec3m so\u00e1t \u0111\u1eb7t bi\u1ec7t v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Sau \u0111\u00f3, ch\u00fang t\u00f4i nghi\u00ean c\u1ee9u t\u1ea5t c\u1ea3 c\u00e1c quy \u0111\u1ecbnh n\u00e0y th\u00ec trong gi\u1ea3i ph\u00e1p n\u00eau t\u1ea1i c\u00e1c v\u0103n b\u1ea3n n\u00f3i tr\u00ean, kh\u00f4ng c\u00f3 gi\u1ea3i ph\u00e1p n\u00e0o quy \u0111\u1ecbnh cho ph\u00e9p NHNN quy\u1ebft \u0111\u1ecbnh mua l\u1ea1i VNCB v\u1edbi gi\u00e1 0 \u0111\u1ed3ng, m\u00e0 ch\u1ec9 c\u00f3 gi\u1ea3i ph\u00e1p duy tr\u00ec t\u1ef7 l\u1ec7 an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a VNCB th\u00f4i\u201d.<\/p>\n

Theo l\u1eadp lu\u1eadn c\u1ee7a Lu\u1eadt s\u01b0 Ho\u00e0i, n\u1ebfu mua v\u1edbi gi\u00e1 0 \u0111\u1ed3ng s\u1ebd l\u00e0m cho c\u00e1c c\u1ed5 \u0111\u00f4ng kh\u00f4ng c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a h\u1ecd. Nh\u01b0 v\u1eady ch\u1eb3ng kh\u00e1c n\u00e0o c\u01b0\u1ee1ng ch\u1ebf l\u00e0m m\u1ea5t h\u1ebft quy\u1ec1n l\u1ee3i c\u1ee7a c\u1ed5 \u0111\u00f4ng, tr\u00e1i v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u0110\u1eb7c bi\u1ec7t, vi\u1ec7c mua 0 \u0111\u1ed3ng c\u0169ng kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan khi mua. N\u1ebfu coi l\u00e0 mua c\u01b0\u1ee1ng ch\u1ebf, mua b\u1eaft bu\u1ed9c, ki\u1ec3u nh\u01b0 \u201ctr\u01b0ng mua\u201d t\u00e0i s\u1ea3n ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt Tr\u01b0ng mua, tr\u01b0ng d\u1ee5ng t\u00e0i s\u1ea3n n\u0103m 2008. Nh\u01b0ng trong danh m\u1ee5c c\u1ee7a Lu\u1eadt Tr\u01b0ng mua, tr\u01b0ng d\u1ee5ng ch\u1ec9 cho mua nh\u00e0 \u1edf, t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t, thu\u1ed1c ch\u1eefa b\u1ec7nh, l\u01b0\u01a1ng th\u1ef1c, c\u00f4ng c\u1ee5, v\u1eadt t\u01b0, thi\u1ebft y\u1ebfu, giao th\u00f4ng v\u1eadn t\u1ea3i, th\u00f4ng tin li\u00ean l\u1ea1c, ch\u1ee9 ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 c\u1ed5 ph\u1ea7n v\u00e0 c\u1ed5 phi\u1ebfu c\u1ee7a doanh nghi\u1ec7p. Nh\u01b0 v\u1eady, \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a tr\u01b0ng mua, tr\u01b0ng d\u1ee5ng kh\u00f4ng c\u00f3 c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu c\u1ee7a c\u00e1c doanh nghi\u1ec7p v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. T\u1eeb th\u1ef1c t\u1ebf tr\u00ean, Lu\u1eadt s\u01b0 Ho\u00e0i cho r\u1eb1ng c\u1ea7n ph\u1ea3i xem x\u00e9t l\u1ea1i t\u00ednh ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c mua ng\u00e2n h\u00e0ng v\u1edbi gi\u00e1 0 \u0111\u1ed3ng.<\/p>\n

D\u01b0\u1edbi g\u00f3c nh\u00ecn c\u1ee7a m\u1ed9t gi\u1ea3ng vi\u00ean gi\u1ea3ng d\u1ea1y trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, PGS. TS Phan Th\u1ecb Thu H\u00e0, khoa Ng\u00e2n h\u00e0ng \u2013 \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n cho r\u1eb1ng: v\u1ec1 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c mua ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng l\u00e0 kh\u00f4ng r\u00f5 r\u00e0ng nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 nh\u00ecn ra r\u1ed3i. Nh\u01b0ng v\u1ec1 h\u1ecdc thu\u1eadt, b\u1ea3n ch\u1ea5t c\u1ee7a mua b\u00e1n s\u00e1p nh\u1eadp l\u00e0 t\u1ea1o n\u00ean gi\u00e1 tr\u1ecb c\u1ed9ng h\u01b0\u1edfng, t\u1ee9c l\u00e0 l\u00e0m cho t\u1ed5 ch\u1ee9c y\u1ebfu k\u00e9m m\u1ea5t \u0111i, l\u00e0m cho t\u1ed5 ch\u1ee9c sau mua b\u00e1n m\u1ea1nh l\u00ean. V\u1ec1 l\u00fd thuy\u1ebft, ng\u00e2n h\u00e0ng m\u1ea1nh l\u00ean l\u00e0 ch\u00ednh v\u00ec sau mua b\u00e1n, s\u00e1p nh\u1eadp v\u1ed1n s\u1ebd t\u0103ng, kh\u00e1ch h\u00e0ng t\u0103ng, m\u1ea1ng l\u01b0\u1edbi t\u0103ng. Nh\u01b0ng c\u00e1i kh\u00f3 kh\u0103n n\u1ea3y sinh l\u00e0 v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u, kh\u00e1c bi\u1ec7t\u00a0v\u0103n h\u00f3a<\/a>, c\u1ed5 \u0111\u00f4ng m\u1ea5t ti\u1ec1n, l\u00e3nh \u0111\u1ea1o m\u1ea5t ch\u1ee9c, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng b\u1ecb m\u1ea5t vi\u1ec7c.<\/p>\n

\"Hu\u1ef3nh
Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 \u2013 b\u1ecb c\u00e1o \u0111\u1ea7u v\u1ee5 trong \u0111\u1ea1i \u00e1n l\u1eeba \u0111\u1ea3o x\u1ea3y ra t\u1ea1i Vietinbank)<\/figcaption><\/figure>\n

C\u1ed1 \u00fd l\u00e0m tr\u00e1i, l\u1eeba \u0111\u1ea3o \u1edf c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng: B\u1ed9c l\u1ed9 c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t, ph\u00f2ng ng\u1eeba, c\u1ea3nh b\u00e1o c\u00f3 \u201cv\u1ea5n \u0111\u1ec1\u201d?<\/strong><\/p>\n

Theo Lu\u1eadt s\u01b0 V\u00f5 \u0110\u00ecnh \u0110\u1ee9c: \u201cTrong nhi\u1ec1u v\u1ee5 \u00e1n x\u1ea3y ra th\u1eddi gian qua cho th\u1ea5y, vi\u1ec7c ki\u1ec3m tra, gi\u00e1m s\u00e1t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ch\u01b0a \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3; ho\u1ea1t \u0111\u1ed9ng ki\u1ec3m tra ch\u00e9o gi\u1eefa c\u00e1c Ng\u00e2n h\u00e0ng c\u00f2n l\u1ecfng l\u1ebbo, kh\u00f4ng \u0111\u01b0\u1ee3c ch\u00fa tr\u1ecdng. Ch\u1ee9c n\u0103ng thanh tra, gi\u00e1m s\u00e1t, c\u1ea3nh b\u00e1o c\u1ee7a ch\u00fang ta ch\u01b0a k\u1ecbp th\u1eddi, d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 n\u1eb7ng n\u1ec1 cho n\u1ec1n kinh t\u1ebf. C\u1ee5 th\u1ec3 trong v\u1ee5 \u00e1n x\u1ea3y ra t\u1ea1i Oceanbank, theo t\u00f4i, c\u1ea7n l\u00e0m r\u00f5 v\u00e0 x\u1eed l\u00fd nghi\u00eam minh c\u1ea3 tr\u00e1ch nhi\u1ec7m c\u1ee7a thanh tra, gi\u00e1m s\u00e1t c\u1ee7a NHNN. V\u00ec NHNN ch\u1eadm x\u1eed l\u00fd, c\u1ea3nh b\u00e1o \u0111\u1ed1i v\u1edbi c\u00e1c Ng\u00e2n h\u00e0ng c\u00f3 s\u1ef1 bi\u1ebfn \u0111\u1ed9ng ph\u1ee9c t\u1ea1p, r\u1ee7i ro v\u1ec1 n\u1ee3 x\u1ea5u v\u00e0 l\u01b0u chuy\u1ec3n n\u1ee3\u201d.<\/p>\n

M\u1ed9t th\u1ef1c t\u1ebf kh\u00e1c th\u1eddi gian g\u1ea7n \u0111\u00e2y g\u00e2y lo ng\u1ea1i \u0111\u00f3 l\u00e0, t\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o \u0111\u00e3 xu\u1ea5t hi\u1ec7n v\u00e0 x\u1ea3y ra kh\u00e1 nh\u1ee9c nh\u1ed1i \u1edf m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng, n\u1ebfu kh\u00f4ng c\u00f3 bi\u1ec7n ph\u00e1p h\u1eefu hi\u1ec7u th\u00ec ng\u01b0\u1eddi thi\u1ec7t \u0111\u1ea7u ti\u00ean v\u1eabn l\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. G\u00f3p \u00fd cho v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 V\u00f5 \u0110\u00ecnh \u0110\u1ee9c ph\u00e2n t\u00edch: \u201cVi\u1ec7c c\u00e1c Ng\u00e2n h\u00e0ng giao quy\u1ec1n qu\u00e1 l\u1edbn cho Tr\u01b0\u1edfng c\u00e1c ph\u00f2ng giao d\u1ecbch, chi nh\u00e1nh d\u1ec5 d\u1eabn t\u1edbi vi\u1ec7c h\u1ecd l\u1ee3i d\u1ee5ng ch\u1ee9c v\u1ee5 quy\u1ec1n h\u1ea1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi ph\u1ea1m t\u1ed9i, l\u1ee3i d\u1ee5ng s\u1ef1 tin t\u01b0\u1edfng c\u1ee7a kh\u00e1ch h\u00e0ng trong qu\u00e1 tr\u00ecnh giao d\u1ecbch, \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi ngo\u00e0i t\u1ea7m hi\u1ec3u bi\u1ebft c\u1ee7a kh\u00e1ch h\u00e0ng. Th\u00f4ng th\u01b0\u1eddng c\u00e1c Ph\u00f4i, M\u1eabu s\u1ed5 ti\u1ebft ki\u1ec7m, k\u00fd nh\u1eadn ti\u1ec1n g\u1eedi \u0111\u1ec1u \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t v\u00e0 c\u00f3 quy tr\u00ecnh c\u1ee7a Ng\u00e2n h\u00e0ng \u0111\u1eb7t ra. Nh\u01b0ng, do h\u1ea1n ch\u1ebf, s\u01a1 h\u1edf trong vi\u1ec7c qu\u1ea3n l\u00fd c\u00e1c lo\u1ea1i ph\u00f4i, m\u1eabu v\u00e0 ch\u1ee9ng nh\u1eadn c\u0169ng l\u00e0 m\u1ed9t ph\u1ea7n nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng tr\u00ean. B\u00ean c\u1ea1nh \u0111\u00f3, m\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0 c\u00e1c ch\u1ebf t\u00e0i x\u1eed l\u00fd c\u00f2n \u1edf m\u1ee9c th\u1ea5p v\u00e0 nh\u00e2n \u0111\u1ea1o, ch\u01b0a c\u00f3 t\u00ednh r\u0103n \u0111e, ph\u00f2ng ng\u1eeba v\u1edbi \u0111\u1ea1i \u0111a s\u1ed1 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng trong x\u00e3 h\u1ed9i. Th\u1eddi gian g\u1ea7n \u0111\u00e2y, khi c\u00e1c v\u1ee5 vi\u1ec7c l\u1eeba \u0111\u1ea3o li\u00ean ti\u1ebfp b\u1ecb phanh phui, ch\u00fang ta m\u1edbi th\u1ea5y \u0111\u01b0\u1ee3c s\u1ef1 quy\u1ebft t\u00e2m gi\u1ea3i quy\u1ebft c\u1ee7a c\u00e1c c\u01a1 quan h\u00e0nh ph\u00e1p\u201d.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ch\u1ec9 ra r\u1eb1ng: \u201cTh\u1ef1c t\u1ebf khi x\u1ea3y ra h\u00e0nh vi l\u1eeba \u0111\u1ea3o c\u1ee7a c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng, t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay ch\u1ec9 c\u00f3 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n m\u1ea5t ti\u1ec1n, ch\u1ee9 ng\u00e2n h\u00e0ng hi\u1ebfm bao gi\u1edd m\u1ea5t. \u0110\u00e2y l\u00e0 m\u1ed9t th\u1ef1c tr\u1ea1ng nh\u1ee9c nh\u1ed1i, c\u1ea7n s\u1edbm c\u00f3 bi\u1ec7n ph\u00e1p gi\u1ea3i quy\u1ebft\u201d.<\/p>\n

Ph\u00e2n t\u00edch s\u00e2u h\u01a1n, Lu\u1eadt s\u01b0 Phan Trung Ho\u00e0i cho r\u1eb1ng: V\u1edbi ch\u1ee7 tr\u01b0\u01a1ng cho ph\u00e9p m\u1edf r\u1ed9ng c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n c\u00f3 ph\u1ea7n tham gia x\u00e3 h\u1ed9i h\u00f3a, nh\u01b0ng kh\u1ea3 n\u0103ng v\u1ec1 ki\u1ec3m so\u00e1t, gi\u00e1m s\u00e1t c\u1ee7a NHNN c\u00f3 nhi\u1ec1u h\u1ea1n ch\u1ebf. Trong ph\u00e1p lu\u1eadt c\u0169ng c\u00f3 m\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc l\u00e0m cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng khi ho\u1ea1t \u0111\u1ed9ng g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n. V\u00ed d\u1ee5 v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ch\u1ebf \u0111\u1ed9 s\u1edf h\u1eefu v\u1ec1 \u0111\u1ea5t \u0111ai, th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, v\u1ea5n \u0111\u1ec1 h\u00ecnh th\u00e0nh t\u00e0i s\u1ea3n trong t\u01b0\u01a1ng lai, r\u1ed3i li\u00ean quan \u0111\u1ebfn c\u00e1c d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n, quy\u1ebft \u0111\u1ecbnh kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng mua b\u00e1n ho\u1eb7c l\u00e0 huy \u0111\u1ed9ng v\u1ed1n khi anh ch\u01b0a x\u00e2y d\u1ef1ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng. Nh\u01b0ng th\u1ef1c ch\u1ea5t c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n vay ph\u1ea7n l\u1edbn ngu\u1ed3n v\u1ed1n t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng c\u00f3 r\u1ea5t nhi\u1ec1u k\u1ebd h\u1edf. V\u1ea5n \u0111\u1ec1 n\u1eefa l\u00e0 mu\u1ed1n huy \u0111\u1ed9ng v\u1ed1n, ph\u1ea3i chi l\u00e3i ngo\u00e0i, l\u00e3i trong n\u00ean chuy\u1ec7n v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t g\u1ea7n nh\u01b0 l\u00e0 ph\u1ed5 bi\u1ebfn. T\u1ea5t c\u1ea3 l\u00e0 do ch\u00ednh s\u00e1ch kh\u00f4ng theo \u0111\u01b0\u1ee3c quy lu\u1eadt kh\u00e1ch quan c\u1ee7a kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, n\u00ean ng\u01b0\u1eddi ta ph\u1ea3i ph\u00e1 r\u00e0o.Nh\u01b0ng ph\u00e1 r\u00e0o l\u1ea1i vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

C\u1ee5 th\u1ec3, \u1edf v\u1ee5 \u00e1n Nguy\u1ec5n \u0110\u1ee9c Ki\u00ean t\u1ea1i Ng\u00e2n h\u00e0ng TMCP \u00c1 Ch\u00e2u, lu\u1eadt ch\u01b0a quy \u0111\u1ecbnh v\u1ec1 s\u1edf h\u1eefu ch\u00e9o; v\u1ee5 \u00e1n Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 v\u00e0 \u0111\u1ea1i \u00e1n tham nh\u0169ng t\u1ea1i Agribank chi nh\u00e1nh Nam H\u00e0 N\u1ed9i l\u00e0 do b\u1ea3n th\u00e2n c\u00e1c c\u00e1n b\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng c\u1ed1 \u00fd l\u00e0m tr\u00e1i quy \u0111\u1ecbnh, m\u1eb7t kh\u00e1c do ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 k\u00e9m \u0111\u1ec3 nh\u00e2n vi\u00ean l\u1ea5y ti\u1ec1n c\u1ee7a kh\u00e1ch \u0111\u1ec3 ngo\u00e0i s\u1ed5 s\u00e1ch, ch\u1ee9 th\u1ef1c ra kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 l\u1ed7i.<\/p>\n

Nguy\u1ec5n H\u00f2a<\/strong><\/p>\n<\/div>\n

——————<\/p>\n

Ph\u00e1p l\u00fd (Kinh doanh) 17-10-2017:<\/em><\/strong><\/p>\n

https:\/\/phaply.net.vn\/xu-dai-an-ngan-hang-lo-hang-loat-bat-cap-phap-ly-va-quan-ly-a184923.html<\/p>\n

(320\/2.249)<\/em>","protected":false},"excerpt":{"rendered":"

(PL) – \u0110\u00f3 l\u00e0 nh\u1eefng b\u1ea5t c\u1eadp, l\u1ed7 h\u1ed5ng ph\u00e1p l\u00fd trong vi\u1ec7c mua b\u00e1n; \u0111\u1ecbnh gi\u00e1 ng\u00e2n h\u00e0ng; l\u1ed7 h\u1ed5ng c\u00f4ng t\u00e1c c\u00e1n b\u1ed9; c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd; gi\u00e1m s\u00e1t y\u1ebfu k\u00e9m \u0111\u1ec3 x\u1ea3y ra c\u00e1c \u0111\u1ea1i \u00e1n… g\u00e2y thi\u1ec7t h\u1ea1i cho n\u1ec1n kinh t\u1ebf, \u0111\u1eb7c bi\u1ec7t l\u00e0m \u1ea3nh h\u01b0\u1edfng uy t\u00edn c\u1ee7a ng\u00e2n […]<\/p>\n","protected":false},"author":10,"featured_media":16114,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-16113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.852. 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