{"id":17716,"date":"2016-08-01T15:19:21","date_gmt":"2016-08-01T08:19:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=17716"},"modified":"2022-04-13T18:15:33","modified_gmt":"2022-04-13T11:15:33","slug":"1-233-xu-ly-tai-san-bao-dam-kho-khan-van-bua-vay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-233-xu-ly-tai-san-bao-dam-kho-khan-van-bua-vay\/","title":{"rendered":"1.233. X\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m: Kh\u00f3 kh\u0103n v\u1eabn b\u1ee7a v\u00e2y"},"content":{"rendered":"

(TBNH) – M\u1ed9t quy \u0111\u1ecbnh \u0111\u00e3 v\u00e0 \u0111ang \u1ea3nh h\u01b0\u1edfng r\u1ea5t nhi\u1ec1u \u0111\u1ebfn vi\u1ec7c thu h\u1ed3i, x\u1eed l\u00fd TSB\u0110 c\u1ee7a c\u00e1c NH \u0111\u00f3 l\u00e0 thay v\u00ec b\u1ea3o v\u1ec7 quy\u1ec1n ch\u1ee7 n\u1ee3 l\u1ea1i \u0111i b\u1ea3o v\u1ec7 quy\u1ec1n con n\u1ee3. D\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ebfn ngh\u1ecb s\u1eeda \u0111\u1ed5i nhi\u1ec1u l\u1ea7n trong nhi\u1ec1u n\u0103m nh\u01b0ng t\u00ecnh h\u00ecnh ch\u01b0a suy chuy\u1ec3n.<\/strong><\/p>\n

H\u00e0nh lang ph\u00e1p l\u00fd cho x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111ang h\u1eb9p d\u1ea7n?<\/strong><\/p>\n

\u0110\u1ec3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u nhanh v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t l\u00e0 ph\u1ea3i x\u1eed l\u00fd \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (TSB\u0110). \u0110\u00f3 c\u0169ng l\u00e0 n\u1ed9i dung \u0111\u01b0\u1ee3c c\u00e1c di\u1ec5n gi\u1ea3 t\u1ea1i T\u1ecda \u0111\u00e0m gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p t\u00edn d\u1ee5ng t\u1ea1i to\u00e0 \u00e1n v\u00e0 x\u1eed l\u00fd TSB\u0110 do Hi\u1ec7p h\u1ed9i NH Vi\u1ec7t Nam, T\u00f2a \u00e1n Nh\u00e2n d\u00e2n t\u1ed1i cao v\u00e0 IFC ph\u1ed1i h\u1ee3p t\u1ed5 ch\u1ee9c cu\u1ed1i tu\u1ea7n qua.<\/p>\n

Th\u1ef1c t\u1ebf l\u00e0 ho\u1ea1t \u0111\u1ed9ng thu gi\u1eef, x\u1eed l\u00fd TSB\u0110 c\u1ee7a c\u00e1c NH hi\u1ec7n g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u01b0a ra m\u1ed9t th\u1ef1c t\u1ebf \u0111\u00e1ng quan ng\u1ea1i: Tr\u01b0\u1edbc nay x\u1eed l\u00fd n\u1ee3 x\u1ea5u n\u00f3i chung, x\u1eed l\u00fd TSB\u0110 n\u00f3i ri\u00eang kh\u00f4ng h\u1ec1 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 c\u1ea3 v\u1ec1 lu\u1eadt, hay t\u1eeb c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng li\u00ean quan. Quy \u0111\u1ecbnh \u1edf c\u00e1c b\u1ed9 lu\u1eadt v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u1ec1u r\u1ea5t chung chung, khi\u1ebfn cho ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n c\u1ea3m gi\u00e1c kh\u00f4ng y\u00ean t\u00e2m, li\u1ec7u c\u00f3 \u0111\u00fang theo quy \u0111\u1ecbnh hay kh\u00f4ng, ch\u01b0a k\u1ec3 c\u00f3 quy \u0111\u1ecbnh \u0111ang \u0111i ng\u01b0\u1ee3c nguy\u00ean l\u00fd th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
H\u00e0nh lang ph\u00e1p l\u00fd cho NH x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111ang h\u1eb9p d\u1ea7n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

M\u1ed9t quy \u0111\u1ecbnh \u0111\u00e3 v\u00e0 \u0111ang \u1ea3nh h\u01b0\u1edfng r\u1ea5t nhi\u1ec1u \u0111\u1ebfn vi\u1ec7c thu h\u1ed3i, x\u1eed l\u00fd TSB\u0110 c\u1ee7a c\u00e1c NH \u0111\u00f3 l\u00e0 thay v\u00ec b\u1ea3o v\u1ec7 quy\u1ec1n ch\u1ee7 n\u1ee3 l\u1ea1i \u0111i b\u1ea3o v\u1ec7 quy\u1ec1n con n\u1ee3. D\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ebfn ngh\u1ecb s\u1eeda \u0111\u1ed5i nhi\u1ec1u l\u1ea7n trong nhi\u1ec1u n\u0103m nh\u01b0ng t\u00ecnh h\u00ecnh ch\u01b0a suy chuy\u1ec3n.<\/p>\n

Hay nh\u01b0 \u0111\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u, theo v\u1ecb lu\u1eadt s\u01b0 tr\u00ean, trong khi khung ph\u00e1p l\u00fd ch\u01b0a \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n th\u00ec \u0111\u1ec3 x\u1eed l\u00fd s\u1ed1 n\u1ee3 x\u1ea5u l\u1edbn nh\u01b0 v\u1eady c\u1ea7n c\u00f3 b\u1ed9 lu\u1eadt ho\u1eb7c \u0111\u1ea1o lu\u1eadt ri\u00eang \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u trong m\u1ed9t s\u1ed1 n\u0103m.<\/p>\n

\u201cTuy v\u1ea5n \u0111\u1ec1 n\u00e0y c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn kh\u00e1 nhi\u1ec1u t\u1eeb khi VAMC \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o ho\u1ea1t \u0111\u1ed9ng, nh\u01b0ng n\u00f3 l\u1ea1i ti\u1ebfp t\u1ee5c b\u1ecb qu\u00ean l\u00e3ng\u201d, m\u1ed9t di\u1ec5n gi\u1ea3 t\u1ecf ra th\u1ea5t v\u1ecdng v\u1ec1 khung ph\u00e1p l\u00fd cho x\u1eed l\u00fd n\u1ee3 x\u1ea5u.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean Th\u1eddi b\u00e1o NH, \u00f4ng D\u01b0\u01a1ng Thanh Minh \u2013 Ph\u00f3 ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf NH n\u00eau ra nhi\u1ec1u kh\u00f3 kh\u0103n ph\u00e1p l\u00fd c\u1ee7a c\u00e1c TCTD \u0111ang g\u1eb7p ph\u1ea3i.<\/p>\n

\u00d4ng Minh cho bi\u1ebft, theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt tr\u01b0\u1edbc \u0111\u00e2y nh\u01b0 Ngh\u1ecb \u0111\u1ecbnh 178, Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch 03 gi\u1eefa B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 NHNN\u2026 th\u00ec TCTD c\u00f3 quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng trong vi\u1ec7c thu gi\u1eef t\u00e0i s\u1ea3n t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho vi\u1ec7c thu h\u1ed3i v\u1ed1n qua x\u1eed l\u00fd TSB\u0110. Ngo\u00e0i ra, c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng h\u1ed7 tr\u1ee3 v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p trong \u0111\u00f3 c\u00f3 c\u01b0\u1ee1ng ch\u1ebf h\u00e0nh ch\u00ednh \u0111\u1ec3 thu h\u1ed3i l\u1ea1i t\u00e0i s\u1ea3n cho NH ch\u1ee7 \u0111\u1ed9ng x\u1eed l\u00fd.<\/p>\n

Tuy nhi\u00ean, c\u00e1c quy \u0111\u1ecbnh ra \u0111\u1eddi sau l\u1ea1i kh\u00f4ng \u1ee7ng h\u1ed9 cho ho\u1ea1t \u0111\u1ed9ng thu gi\u1eef TSB\u0110. Hi\u1ec7n nay TCTD ph\u1ea3i ch\u1ee7 \u0111\u1ed9ng th\u1ef1c hi\u1ec7n ho\u00e0n to\u00e0n vi\u1ec7c thu gi\u1eef TSB\u0110 m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a b\u1ea5t k\u1ef3 \u0111\u01a1n v\u1ecb n\u00e0o kh\u00e1c. N\u1ebfu vi\u1ec7c th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng x\u1eed l\u00fd TSB\u0110 kh\u00f3 kh\u0103n m\u00e0 khung ph\u00e1p l\u00fd l\u1ea1i kh\u00f4ng \u1ee7ng h\u1ed9 n\u1eefa th\u00ec ch\u1eafc ch\u1eafn vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00e0ng kh\u00f3 h\u01a1n, ph\u1ee9c t\u1ea1p h\u01a1n.<\/p>\n

N\u00f3i nh\u01b0 \u00f4ng Minh n\u1ebfu coi vi\u1ec7c thu gi\u1eef TSB\u0110 l\u00e0 h\u00e0nh lang ph\u00e1p l\u00fd cho NH x\u1eed l\u00fd n\u1ee3 x\u1ea5u th\u00ec h\u00e0nh lang n\u00e0y \u0111ang h\u1eb9p d\u1ea7n. Ch\u00e1nh t\u00f2a T\u00f2a Kinh t\u1ebf TAND TP. H\u1ed3 Ch\u00ed Minh Phan Gia Qu\u00fd cho bi\u1ebft, t\u1ef7 l\u1ec7 h\u00f2a gi\u1ea3i th\u00e0nh c\u00f4ng gi\u1eefa hai b\u00ean t\u1eeb n\u0103m 2011 tr\u1edf v\u1ec1 tr\u01b0\u1edbc kho\u1ea3ng 50%, nh\u01b0ng th\u1eddi \u0111i\u1ec3m n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c 20%.<\/p>\n

Thi\u1ebfu lu\u1eadt \u0111\u1ecbnh, \u0111\u1ed9ng s\u1ea3n hay b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec1u kh\u00f3<\/strong><\/p>\n

Gi\u00e1o s\u01b0 Xu\u00e2n Th\u1ea3o Nguy\u1ec5n \u2013 chuy\u00ean gia v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u1ee7a IFC\/WBG \u0111\u01b0a ra \u0111\u1ec1 xu\u1ea5t c\u00e1c TCTD n\u00ean gi\u1ea3m b\u1edbt t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, thay v\u00e0o \u0111\u00f3 l\u00e0 \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Theo l\u00fd gi\u1ea3i c\u1ee7a Gi\u00e1o s\u01b0 th\u00ec li\u00ean quan \u0111\u1ebfn \u0111\u1ea5t \u0111ai, nh\u00e0 c\u1eeda c\u0169ng kh\u00e1 nh\u1ea1y c\u1ea3m, n\u00ean \u1edf M\u1ef9, Canada hay nhi\u1ec1u n\u01b0\u1edbc kh\u00e1c, h\u1ecd ch\u1ee7 y\u1ebfu d\u00f9ng \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 th\u1ebf ch\u1ea5p khi vay. H\u01a1n th\u1ebf, do khung ph\u00e1p l\u00fd \u1edf M\u1ef9 c\u0169ng nh\u01b0 nhi\u1ec1u n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi r\u1ea5t r\u00f5 r\u00e0ng n\u00ean hi\u1ebfm khi ph\u1ea3i kh\u1edfi ki\u1ec7n, c\u00e1c b\u00ean li\u00ean quan t\u00f4n tr\u1ecdng nhau v\u00e0 kh\u00f4ng ai mu\u1ed1n d\u1eaft nhau ra t\u00f2a c\u1ea3.<\/p>\n\n\n\n
\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Tuy nhi\u00ean, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, \u0111\u1ec1 xu\u1ea5t n\u00e0y kh\u00f3 th\u1ef1c hi\u1ec7n t\u1ea1i Vi\u1ec7t Nam. B\u1edfi, \u1edf n\u01b0\u1edbc ngo\u00e0i ng\u01b0\u1eddi vay v\u1ed1n ch\u1ee7 y\u1ebfu kh\u00f4ng d\u00f9ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, \u0111\u1ed9 tin t\u01b0\u1edfng c\u1ee7a NH v\u1edbi ng\u01b0\u1eddi vay cao. T\u1ea1i M\u1ef9, ng\u01b0\u1eddi vay c\u00f3 m\u1ed9t \u0111\u1ed3ng v\u1ed1n h\u1ecd ch\u1ec9 vay th\u00eam nhi\u1ec1u l\u1eafm 1 \u0111\u1ed3ng n\u1eefa, nh\u01b0ng \u1edf Vi\u1ec7t Nam th\u00ec c\u00f3 th\u1ec3 vay t\u1edbi 10 \u0111\u1ed3ng.<\/p>\n

Ch\u01b0a k\u1ec3, \u0111\u1ed9 tin c\u1eady kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i Vi\u1ec7t Nam l\u1ea1i kh\u00f4ng cao. Nhi\u1ec1u t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 \u0111\u1ed9ng s\u1ea3n nh\u01b0 kho h\u00e0ng\u2026 m\u1eb7c d\u00f9 NH gi\u00e1m s\u00e1t t\u01b0\u01a1ng \u0111\u1ed1i ch\u1eb7t v\u1eabn b\u1ecb kh\u00e1ch h\u00e0ng qua m\u1eb7t, r\u00fat ru\u1ed9t t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

Do \u0111\u00f3 bu\u1ed9c c\u00e1c NH ph\u1ea3i y\u00eau c\u1ea7u nh\u1eadn th\u1ebf ch\u1ea5p b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. N\u1ebfu s\u1ed1 ti\u1ec1n vay l\u1edbn c\u00f3 th\u1ec3 NH ph\u1ea3i nh\u1eadn th\u00eam c\u1ea3 \u0111\u1ed9ng s\u1ea3n, l\u1eabn nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 cao, tr\u00e1nh th\u1ea5t tho\u00e1t.<\/p>\n

\u00d4ng D\u01b0\u01a1ng Thanh Minh c\u0169ng th\u1eeba nh\u1eadn NH r\u1ea5t e ng\u1ea1i khi nh\u1eadn th\u1ebf ch\u1ea5p b\u1eb1ng \u0111\u1ed9ng s\u1ea3n. Ch\u1ec9 khi kh\u00e1ch kh\u00f4ng c\u00f2n t\u00e0i s\u1ea3n n\u00e0o th\u00ec NH m\u1edbi ch\u1ea5p nh\u1eadn cho th\u1ebf ch\u1ea5p b\u1eb1ng \u0111\u1ed9ng s\u1ea3n. Kinh nghi\u1ec7m th\u1ef1c ti\u1ec5n \u1edf Vi\u1ec7t Nam \u0111\u1ec3 nh\u1eadn th\u1ebf ch\u1ea5p b\u1eb1ng \u0111\u1ed9ng s\u1ea3n \u0111\u00f2i h\u1ecfi tr\u00ecnh \u0111\u1ed9 nh\u00e2n s\u1ef1 cao m\u1edbi th\u1ea9m \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n ch\u00ednh x\u00e1c, m\u00e0 chi ph\u00ed th\u1ef1c hi\u1ec7n c\u0169ng cao\u2026V\u00ec v\u1eady, TSB\u0110 c\u1ee7a c\u00e1c NH v\u1eabn l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

\u00d4ng Minh c\u0169ng r\u1ea5t mong c\u00e1c b\u1ed9 lu\u1eadt m\u1edbi t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd r\u1ed9ng h\u01a1n cho TCTD th\u1ef1c hi\u1ec7n nh\u1eadn b\u1ea3o \u0111\u1ea3m n\u1ee3 b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 th\u1ec3 thu h\u1ed3i n\u1ee3 s\u1edbm, \u0111\u1ea9y nhanh x\u1eed l\u00fd n\u1ee3 x\u1ea5u.<\/p>\n

\u00d4ng Phan Gia Qu\u00fd ki\u1ebfn ngh\u1ecb H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n TANDTC s\u1edbm c\u00f3 h\u01b0\u1edbng d\u1eabn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 TSB\u0110 cho kho\u1ea3n vay l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t. Nh\u1eefng t\u00e0i s\u1ea3n n\u00e0y, b\u00ean th\u1ebf ch\u1ea5p \u0111ang s\u1eed d\u1ee5ng l\u00e0m nh\u00e0 cho thu\u00ea th\u00ec kh\u00f4ng \u0111\u01b0a nh\u1eefng ng\u01b0\u1eddi thu\u00ea nh\u00e0 tham gia t\u1ed1 t\u1ee5ng v\u1edbi t\u01b0 c\u00e1ch ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 li\u00ean quan trong v\u1ee5 \u00e1n t\u00edn d\u1ee5ng.<\/p>\n

Quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 c\u00f3 nhi\u1ec1u \u0111i\u1ec3m m\u1edbi ti\u1ebfn b\u1ed9 h\u01a1n, ti\u1ec7m c\u1eadn th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf c\u0169ng nh\u01b0 Vi\u1ec7t Nam, nh\u01b0ng nhi\u1ec1u chuy\u00ean gia kh\u00f4ng k\u1ef3 v\u1ecdng v\u00e0o s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a b\u1ed9 lu\u1eadt n\u00e0y \u0111\u1ed1i v\u1edbi vi\u1ec7c \u0111\u1ea9y nhanh x\u1eed l\u00fd TSB\u0110. \u0110\u01a1n c\u1eed, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 301 t\u1ea1i B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, trong tr\u01b0\u1eddng h\u1ee3p con n\u1ee3 kh\u00f4ng b\u00e0n giao t\u00e0i s\u1ea3n th\u00ec NH \u0111\u01b0\u1ee3c quy\u1ec1n kh\u1edfi ki\u1ec7n. Theo c\u00e1ch hi\u1ec3u c\u00e1c NH, nh\u01b0 v\u1eady, thay v\u00ec \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p x\u1eed l\u00fd thu h\u1ed3i t\u00e0i s\u1ea3n th\u00ec NH ch\u1ec9 c\u00f2n m\u1ed7i c\u00e1ch kh\u1edfi ki\u1ec7n.<\/p>\n

Ch\u00ednh quy \u0111\u1ecbnh chung chung kh\u00f4ng r\u00f5 r\u00e0ng nh\u01b0 v\u1eady, n\u00ean theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c s\u1ebd c\u00f3 nhi\u1ec1u c\u00e1ch hi\u1ec3u kh\u00e1c nhau d\u1eabn \u0111\u1ebfn kh\u00f3 th\u1ef1c hi\u1ec7n. \u00d4ng \u0110\u1ee9c c\u0169ng gi\u1ea3i \u0111\u00e1p b\u0103n kho\u0103n tr\u00ean, m\u1eb7c d\u00f9 quy \u0111\u1ecbnh ch\u1ec9 th\u1ef1c hi\u1ec7n kh\u1edfi ki\u1ec7n khi con n\u1ee3 kh\u00f4ng h\u1ee3p t\u00e1c, nh\u01b0ng th\u1ef1c t\u1ebf c\u00e1c NH v\u1eabn \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n quy\u1ec1n nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

Ph\u00f3 Ch\u00e1nh \u00e1n TANDTC – TS. Nguy\u1ec5n Th\u00fay Hi\u1ec1n c\u0169ng cho r\u1eb1ng, \u0111\u1ec3 B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng hi\u1ec7u qu\u1ea3, t\u1edbi \u0111\u00e2y Ch\u00ednh ph\u1ee7 n\u00ean c\u00f3 Ngh\u1ecb \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 h\u01a1n nh\u1eefng quy \u0111\u1ecbnh ch\u01b0a \u0111\u01b0\u1ee3c r\u00f5, c\u00f3 s\u1ef1 th\u1ed1ng nh\u1ea5t tr\u00e1nh tranh ch\u1ea5p kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\n

H\u00e0 Th\u00e0nh<\/strong><\/p>\n

——————<\/p>\n

TB Ng\u00e2n h\u00e0ng (T\u00e0i ch\u00ednh \u2013 Ti\u1ec1n t\u1ec7) 01-8-2016:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/xu-ly-tai-san-bao-dam-kho-khan-van-bua-vay-51700.html<\/em><\/a><\/p>\n

(389\/1.421)<\/em>","protected":false},"excerpt":{"rendered":"

(TBNH) – M\u1ed9t quy \u0111\u1ecbnh \u0111\u00e3 v\u00e0 \u0111ang \u1ea3nh h\u01b0\u1edfng r\u1ea5t nhi\u1ec1u \u0111\u1ebfn vi\u1ec7c thu h\u1ed3i, x\u1eed l\u00fd TSB\u0110 c\u1ee7a c\u00e1c NH \u0111\u00f3 l\u00e0 thay v\u00ec b\u1ea3o v\u1ec7 quy\u1ec1n ch\u1ee7 n\u1ee3 l\u1ea1i \u0111i b\u1ea3o v\u1ec7 quy\u1ec1n con n\u1ee3. D\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ebfn ngh\u1ecb s\u1eeda \u0111\u1ed5i nhi\u1ec1u l\u1ea7n trong nhi\u1ec1u n\u0103m nh\u01b0ng t\u00ecnh h\u00ecnh ch\u01b0a suy […]<\/p>\n","protected":false},"author":10,"featured_media":17721,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-17716","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.233. 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