{"id":19209,"date":"2017-01-20T13:56:26","date_gmt":"2017-01-20T06:56:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19209"},"modified":"2022-04-26T13:41:39","modified_gmt":"2022-04-26T06:41:39","slug":"1-478-tai-co-cau-ngan-hang-thach-thuc-con-o-phia-truoc","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-478-tai-co-cau-ngan-hang-thach-thuc-con-o-phia-truoc\/","title":{"rendered":"1.478. T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng \u2013 Th\u00e1ch th\u1ee9c c\u00f2n \u1edf ph\u00eda tr\u01b0\u1edbc\u00a0"},"content":{"rendered":"<strong>(VOV1) &#8211; T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng \u2013 Th\u00e1ch th\u1ee9c c\u00f2n \u1edf ph\u00eda tr\u01b0\u1edbc\u00a0<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19210 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/9-4-450x350.jpg\" alt=\"\" width=\"450\" height=\"350\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/9-4-450x350.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/9-4.jpg 606w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><strong>K\u1ecaCH B\u1ea2N CCTS 20\/01\/2017: <\/strong><strong>\u00a0<\/strong><\/p>\n<p>Th\u01b0a qu\u00ed v\u1ecb v\u00e0 c\u00e1c b\u1ea1n.<\/p>\n<p>Theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, th\u00ec n\u0103m 2017 s\u1ebd l\u00e0 n\u0103m \u0111\u1ea9y m\u1ea1nh t\u00e1i c\u01a1 c\u1ea5u h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng \u201c th\u1ef1c ch\u1ea5t, quy\u1ebft li\u1ec7t\u201d, \u0111\u1ec3 th\u1ef1c s\u1ef1 x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c m\u1ed9t h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng l\u00e0nh m\u1ea1nh, \u0111\u00f3ng g\u00f3p t\u00edch c\u1ef1c cho n\u1ec1n kinh t\u1ebf v\u00e0 \u0111\u1ee7 s\u1ee9c c\u1ea1nh tranh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c t\u1ebf. \u0110\u00e2y l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 kh\u00f3 kh\u0103n khi nhi\u1ec1u v\u1ea5n \u0111\u1ec1 c\u1ee7a ng\u00e0nh n\u00e0y c\u00f2n kh\u00e1 ng\u1ed5n ngang, v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c kh\u00f4ng nh\u1ecf nh\u01b0 : song song v\u1edbi t\u00e1i c\u01a1 c\u1ea5u c\u1ea7n t\u00edch c\u1ef1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u; \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng c\u00e1c ti\u00eau chu\u1ea9n qu\u1ea3n tr\u1ecb ti\u00ean ti\u1ebfn theo Basel 2, ti\u1ebfp t\u1ee5c h\u1ea1 l\u00e3i su\u1ea5t \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho n\u1ec1n kinh t\u1ebf\u2026.<\/p>\n<p>Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, x\u1eed l\u00fd nh\u1eefng ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m l\u00e0 m\u1ed9t trong nh\u1eefng tr\u1ecdng t\u00e2m c\u1ee7a t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng. V\u1eady n\u00ean ch\u1ecdn h\u01b0\u1edbng x\u1eed l\u00fd nh\u01b0 th\u1ebf n\u00e0o ?C\u00f2n nh\u1eefng v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd n\u00e0o trong x\u1eed l\u00fd c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m, k\u1ec3 c\u1ea3 nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m ph\u00e1p lu\u1eadt ? C\u00e2u chuy\u1ec7n th\u1eddi s\u1ef1 h\u00f4m nay, BTV Thu Li\u00ean s\u1ebd c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi lu\u1eadt s\u01b0 Tr\u01b0\u1eddn Thanh \u0111\u1ee9c &#8211; <em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI,<\/em>\u00a0v\u1ec1 n\u1ed9i dung n\u00e0y.<\/p>\n<p>B\u00e2y gi\u1edd xin m\u1eddi BTV Thu Li\u00ean b\u1eaft \u0111\u1ea7u cu\u1ed9c trao \u0111\u1ed5i :<\/p>\n<p>TL : v\u00e2ng xin c\u1ea3m \u01a1n BTV\u2026.<\/p>\n<p>Xin c\u1ea3m \u01a1n lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u00e3 tham gia ch\u01b0\u01a1ng tr\u00ecnh h\u00f4m nay. (0439341040; 0439349483)<\/p>\n<p>( Lsu \u0110\u1ee9c ch\u00e0o qu\u00ed v\u1ecb th\u00ednh gi\u1ea3 c\u1ee7a \u0110\u00e0i TNVN )<\/p>\n<p>TL : Th\u01b0a lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, l\u00e0 m\u1ed9t lu\u1eadt s\u01b0 chuy\u00ean v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 ng\u00e2n h\u00e0ng, \u00f4ng c\u00f3 nh\u1eadn x\u00e9t g\u00ec v\u1ec1 ch\u1ee7 tr\u01b0\u01a1ng \u0111\u1ea9y m\u1ea1nh t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng \u201cquy\u1ebft li\u1ec7t, th\u1ef1c ch\u1ea5t\u201d m\u00e0 Th\u1ee7 t\u01b0\u1edbng ch\u00ednh ph\u1ee7 \u0111\u00e3 \u0111\u1ec1 ra v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng ?<\/p>\n<p>Sau 5 n\u0103m t\u00e1i c\u01a1 c\u1ea5u NH 2011 &#8211; 2016 \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau ch\u00ednh \u0111\u1ec1 ra, trong \u0111\u00f3 c\u00f3:<\/p>\n<ol>\n<li>H\u1ec7 th\u1ed1ng NH \u0111\u00e3 c\u01a1 b\u1ea3n \u1ed5n \u0111\u1ecbnh. Gi\u1ea3m 9 NH, t\u1eeb 43 v\u00e0o n\u0103m 2011 xu\u1ed1ng c\u00f2n 35 NHCP v\u00e0 TMNN v\u00e0o th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay. Nhi\u1ec1u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111\u00e3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp v\u00e0 chuy\u1ec3n \u0111\u1ed5i h\u00ecnh th\u1ee9c s\u1edf h\u1eefu nh\u01b0:<\/li>\n<\/ol>\n<ul>\n<li>3 NH h\u1ee3p nh\u1ea5t th\u00e0nh NH S\u00e0i G\u00f2n<\/li>\n<li>NH Ph\u01b0\u01a1ng t\u00e2y \u0111\u01b0\u1ee3c h\u1ee3p nh\u1ea5t v\u1edbi TCty T\u00e0i ch\u00ednh D\u1ea7u kh\u00ed th\u00e0nh NH \u0110\u1ea1i ch\u00fang, PVCombank;<\/li>\n<li>NH Ph\u01b0\u01a1ng Nam s\u00e1p nh\u1eadp v\u00e0o Sacombank<\/li>\n<li>NH PT Nh\u00e0 HN &#8211; Habubank \u0111\u01b0\u1ee3c s\u00e1p nh\u1eadp v\u00e0o NH SHB;<\/li>\n<li>NH Mekong \u0111\u01b0\u1ee3c s\u00e1p nh\u1eadp v\u00e0o NH H\u00e0ng h\u1ea3i Maritime bank<\/li>\n<li>NH Nh\u00e0 \u0110BSCL \u0111\u01b0\u1ee3c s\u00e1o nh\u1eadp v\u1edbi NH \u0110T &amp; PT BIDV.<\/li>\n<li>3 NH \u0111\u00e3 b\u1ecb mua l\u1ea1i v\u00e0 chuy\u1ec3n \u0111\u1ed5i th\u00e0nh&#8230;<\/li>\n<\/ul>\n<ol>\n<li>Qu\u1ea3n tr\u1ecb v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5n ch\u1ec9nh, nghi\u00eam t\u00fac h\u01a1n, c\u00e1c h\u1ec7 s\u1ed1, t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n v\u00e0 ho\u1ea1t \u0111\u1ed9ng&#8230;<\/li>\n<li>Ph\u00e2n lo\u1ea1i n\u1ee3 v\u00e0 tr\u00edch&#8230; N\u1ee3 x\u1ea5u \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh r\u00f5 v\u00e0 \u0111\u00e3 x\u1eed l\u00fd t\u01b0\u01a1ng \u0111\u1ed1i<\/li>\n<\/ol>\n<p>Tuy nhi\u00ean, v\u1eabn c\u00f2n nhi\u1ec1u y\u1ebfu k\u00e9m, h\u1ea1n ch\u1ebf c\u1ea7n ti\u1ebfp t\u1ee5c ch\u1ea5n ch\u1ec9nh, kh\u1eafc ph\u1ee5c, nguy c\u01a1 m\u1ea5t an to\u00e0n v\u1eabn c\u00f2n.<\/p>\n<p>N\u0103m 2017 NHNN \u0111\u00e3 x\u00e1c \u0111\u1ecbnh tr\u1ecdng t\u00e2m l\u00e0 x\u1eed l\u00fd 5 NH y\u1ebfu k\u00e9m, trong \u0111\u00f3 c\u00f3 3 ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c NN mua v\u1edbi gi\u00e1 0 \u0111\u1ed3ng, chuy\u1ec3n th\u00e0nh NH 100% v\u1ed1n NN l\u00e0 Ng\u00e2n h\u00e0ng X\u00e2y d\u1ef1ng, CB, NH \u0110\u1ea1i d\u01b0\u01a1ng Ocean bank v\u00e0 NH D\u1ea7u kh\u00ed to\u00e0n c\u1ea7u GP bank<\/p>\n<p>\u0110\u1eb7c bi\u1ec7t t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u00f2n ch\u1eadm. N\u1ee3 x\u1ea5u theo s\u1ed5 s\u00e1ch c\u1ee7a c\u00e1c NH th\u00ec d\u01b0\u1edbi 3%, t\u1ee9c l\u00e0 \u0111\u1ea1t chu\u1ea3n, nh\u01b0ng th\u1ef1c ch\u1ea5t th\u00ec v\u1eabn c\u00f2n kh\u00e1 cao, n\u1ebfu t\u00ednh c\u1ea3 n\u1ee3 x\u1ea5u \u0111\u00e3 b\u00e1n cho Cty Qu\u1ea3n l\u00fd TS c\u1ee7a c\u00e1c TCTD VAMC th\u00ec v\u1eabn c\u00f2n kho\u1ea3ng 7 &#8211; 8%, n\u1ebfu t\u00ednh th\u1eadt ch\u1eb7t th\u00ec c\u00f2n cao h\u01a1n, ch\u01b0a k\u1ec3 c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u m\u1edbi li\u00ean t\u1ee5c ph\u00e1t sinh.<\/p>\n<p>R\u1ea5t nhi\u1ec1u n\u1ee3 x\u1ea5u m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c x\u1eed l\u00fd k\u1ef9 thu\u1eadt b\u1eb1ng c\u00e1ch chuy\u1ec3n t\u1ea1m sang VANC, ch\u1ee9 ch\u01b0a \u0111\u01b0\u1ee3c x\u1eed l\u00fd th\u1ef1c ch\u1ea5t.<\/p>\n<p>V\u00ec v\u1eady Th\u1ee7 t\u01b0\u1edbng y\u00eau c\u1ea7u \u0111\u1ea9y m\u1ea1nh t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng \u201cquy\u1ebft li\u1ec7t, th\u1ef1c ch\u1ea5t\u201d l\u00e0 ho\u00e0n to\u00e0n c\u1ea7n thi\u1ebft.<\/p>\n<p>TL : Nh\u01b0 v\u1eady l\u00e0 quy\u1ebft t\u00e2m ch\u00ednh tr\u1ecb \u0111\u00e3 c\u00f3, th\u1ef1c ti\u1ec5n cu\u1ed9c s\u1ed1ng c\u0169ng nh\u01b0 y\u00eau c\u1ea7u c\u1ee7a n\u1ec1n kinh t\u1ebf c\u0169ng \u0111ang \u0111\u1eb7t ra c\u1ea5p b\u00e1ch. Nh\u01b0ng r\u00f5 r\u00e0ng \u0111\u00e2y l\u00e0 m\u1ed9t khu v\u1ef1c kh\u00e1 nh\u1ea1y c\u1ea3m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng. Theo \u00f4ng, \u0111\u1ec3 tinh th\u1ea7n \u201c quy\u1ebft li\u1ec7t, th\u1ef1c ch\u1ea5t\u201d \u0111\u01b0\u1ee3c tri\u1ec3n khai tr\u00ean th\u1ef1c t\u1ebf c\u1ee7a h\u00e0nh tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u th\u00ec ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ea7n ch\u00fa \u00fd nh\u1eefng \u0111i\u1ec1u g\u00ec ?<\/p>\n<ol>\n<li>T\u1eadp trung g\u1ea5p r\u00fat x\u00e2y d\u1ef1ng Lu\u1eadt t\u00e1i c\u01a1 c\u1ea5u v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u, \u0111\u1ea9y m\u1ea1nh vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u.<\/li>\n<li>Ki\u00ean quy\u1ebft y\u00eau c\u1ea7u th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh c\u1ee7a PL tr\u00ean th\u1ef1c t\u1ebf v\u1ec1 qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, s\u1edf h\u1eefu ch\u00e9o, t\u1ef7 l\u1ec7, gi\u1edbi h\u1ea1n an to\u00e0n v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng<\/li>\n<li>Ki\u00ean quy\u1ebft ch\u1ea9n ch\u1ec9nh, lo\u1ea1i tr\u1eeb c\u00e1c NH y\u1ebfu k\u00e9m, kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng, theo nhi\u1ec1u c\u00e1ch th\u1ee9c kh\u00e1c\u00a0 nhau<\/li>\n<\/ol>\n<ul>\n<li>T\u1ef1 ch\u1ea5n ch\u1ec9nh, kh\u1eafc ph\u1ee5c h\u1ea1n ch\u1ebf, y\u1ebfu k\u00e9m, t\u1ef1 t\u00e1i c\u1ea5u c\u1ea5u<\/li>\n<li>H\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp;<\/li>\n<li>Gi\u1ea3i th\u1ec3<\/li>\n<li>\u0110\u1eb7c bi\u1ec7t l\u00e0 chu\u1ea9n b\u1ecb s\u1eb5n s\u00e0ng cho vi\u1ec7c ph\u00e1 s\u1ea3n NH.<\/li>\n<\/ul>\n<p>T\u00f3m l\u1ea1i NH y\u1ebfu k\u00e9m nh\u01b0 con b\u1ec7nh \u1ed1m y\u1ebfu l\u1ea1i mang tr\u00ean m\u00ecnh c\u1ee5c n\u1ee3 l\u1edbn nh\u01b0 m\u1ed9t kh\u1ed1i u nguy hi\u1ec3m, th\u00ec ph\u1ea3i \u0111\u1ed3ng th\u1eddi x\u1eed l\u00fd, ch\u1ea1y ch\u1eefa c\u1ea3 \u0111\u00f4i.<\/p>\n<p>TL : V\u00e2ng, ngay t\u1eeb cu\u1ed1i n\u0103m ngo\u00e1i, th\u00ec ph\u00f3 th\u1ee7 t\u01b0\u1edbng V\u01b0\u01a1ng \u0111\u00ecnh Hu\u1ec7 c\u0169ng c\u00f3 nh\u1eafc \u0111\u1ebfn chuy\u1ec7n n\u1ebfu c\u1ea7n th\u00ec ph\u1ea3i cho ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng. V\u1eady nh\u01b0 th\u1ebf n\u00e0o l\u00e0 \u201c n\u1ebfu c\u1ea7n\u201d , th\u01b0a \u00f4ng ?<\/p>\n<ol>\n<li>Thua l\u1ed7, sai ph\u1ea1m, y\u1ebfu k\u00e9m, kh\u00f4ng b\u1ea3o \u0111\u1ea3m v\u1ed1n ph\u00e1p \u0111\u1ecbnh, t\u1ee9c v\u1ed1n th\u1ef1c c\u00f3 t\u1ed1i thi\u1ec3u 3K.<\/li>\n<li>N\u1ebfu ti\u1ebfp t\u1ee5c duy tr\u00ec th\u00ec r\u1ea5t kh\u00f3 tr\u1edf l\u1ea1i b\u00ecnh th\u01b0\u1eddng, an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3.<\/li>\n<li>N\u1ebfu h\u1ee3p nh\u1eadt, s\u00e1p nh\u1eadp ch\u1ec9 l\u00e0 g\u00e1nh n\u1eb7ng cho NH kh\u00e1c, cho c\u1ea3 h\u1ec7 th\u1ed1ng NH, cho n\u1ec1n kinh t\u1ebf v\u00e0 cho NN. V\u1ea5n \u0111\u1ec1 t\u1ed3n t\u1ea1i, y\u1ebfu k\u00e9m &amp; n\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c che d\u1ea5u, \u0111\u01b0a \u0111\u1ea9y t\u1eeb ch\u1ed7 n\u1ecd sang ch\u1ed7 kia. Th\u1eadm ch\u00ed ph\u1ea3n t\u00e1c d\u1ee5ng n\u1ebfu 2 NH y\u1ebfu k\u00e9m nh\u1eadp l\u1ea1i 1, th\u00ec kh\u00f3 kh\u0103n, y\u1ebfu k\u00e9m kh\u00f4ng gi\u1ea3m m\u00e0 c\u00f2n t\u0103ng th\u00eam.<\/li>\n<\/ol>\n<p>TL : V\u00e0 \u0111\u1ec3 ch\u1ee7 tr\u01b0\u01a1ng n\u00e0y c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh h\u00e0nh \u0111\u1ed9ng tr\u00ean th\u1ef1c t\u1ebf, th\u00ec c\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng y\u1ebfu t\u1ed1 ph\u00e1p l\u00fd n\u00e0o \u0111\u1ec3 x\u1eed l\u00fd ph\u00e1 s\u1ea3n m\u1ed9t, hay v\u00e0i ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m m\u00e0 kh\u00f4ng g\u00e2y h\u1ec7 lu\u1ef5 \u0111\u1ebfn to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng v\u00e0 c\u0169ng kh\u00f4ng g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn nhi\u1ec7m v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng cho n\u1ec1n kinh t\u1ebf c\u1ee7a ng\u00e0nh n\u00e0y, th\u01b0a lu\u1eadt s\u01b0 ?<\/p>\n<ol>\n<li>Th\u1ef1c ra l\u00e0 c\u1ea7n chu\u1ea9n b\u1ecb y\u1ebfu t\u1ed1 t\u00e2m l\u00fd, k\u1ef9 thu\u1eadt &amp; gi\u1ea3i ph\u00e1p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m \u00edt t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c nh\u1ea5t, b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n v\u00e0 \u1ed5n \u0111\u1ecbnh c\u1ee7a h\u1ec7 th\u1ed1ng.<\/li>\n<li>C\u00f2n y\u1ebfu t\u1ed1 ph\u00e1p l\u00fd th\u00ec \u0111\u00e3 c\u00f3 \u0111\u1ea7y \u0111\u1ee7 t\u1eeb l\u00e2u r\u1ed3i:<\/li>\n<\/ol>\n<ul>\n<li>Lu\u1eadt ph\u00e1 s\u1ea3n 2004, 2014;<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn thi h\u00e0nh;<\/li>\n<li>Th\u00f4ng t\u01b0 c\u1ee7a NHNN<\/li>\n<\/ul>\n<ol>\n<li>Th\u1ef1c ra vi\u1ec7c mua l\u1ea1i 3 Nh v\u1edbi gi\u00e1 0 \u0111\u1ed3ng, v\u1ec1 b\u1ea3n ch\u1ea5t c\u0169ng gi\u1ed1ng v\u1edbi vi\u1ec7c cho ph\u00e1 s\u1ea3n. V\u00ec NH c\u0169 ch\u1ea5m d\u1ee9t t\u01b0 c\u00e1ch ph\u00e1p l\u00fd, t\u1ea5t c\u1ea3 c\u1ed5 \u0111\u00f4ng m\u1ea5t to\u00e0n b\u1ed9 c\u1ed5 ph\u1ea7n. Nh\u00e0 n\u01b0\u1edbc thay th\u1ebf ch\u1ee7 NH ch\u1ecbu tr\u00e1ch nhi\u1ec7m duy tr\u00ec NH v\u00e0 b\u1ea3o \u0111\u1ea3m tr\u1ea3 n\u1ee3 ti\u1ec1n huy \u0111\u1ed9ng c\u1ee7a d\u00e2n.<\/li>\n<\/ol>\n<p>TL : Hi\u1ec7n nay \u0111ang c\u00f3 nh\u1eefng v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd n\u00e0o khi\u1ebfn cho vi\u1ec7c gi\u1ea3i th\u1ec3, hay ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng c\u00f2n c\u00f3 nh\u1eefng e ng\u1ea1i, th\u01b0a \u00f4ng ?<\/p>\n<ol>\n<li>Gi\u1ea3i th\u1ec3 ch\u1ec9 \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh v\u1edbi \u0111i\u1ec1u ki\u1ec7n NH ph\u1ea3i tr\u1ea3 \u0111\u1ee7 n\u1ee3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 c\u00e1c ch\u1ee7 n\u1ee3 kh\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt DN 2005 v\u00e0 BLDS 2015. V\u00ec v\u1eady, c\u00e1c NH y\u1ebfu k\u00e9m g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c theo ph\u01b0\u01a1ng \u00e1n n\u00e0y, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 b\u1ea3o \u0111\u1ea3m ti\u1ec1n tr\u1ea3 n\u1ee3 c\u1ee7a NN, b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi ho\u1eb7c ngu\u1ed3n kh\u00e1c.<\/li>\n<li>Ph\u00e1 s\u1ea3n th\u00ec tr\u1ea3 \u0111\u01b0\u1ee3c \u0111\u1ebfn \u0111\u00e2u th\u00ec tr\u1ea3, trong ph\u1ea1m vi t\u00e0i s\u1ea3n c\u00f2n l\u1ea1i c\u1ee7a NH<\/li>\n<li>C\u00e1i kh\u00f3 gi\u1ea3i th\u1ec3 hay ph\u00e1 s\u1ea3n NH kh\u00e1c v\u1edbi DN \u1edf 3 \u0111i\u1ec3m ch\u00ednh:<\/li>\n<\/ol>\n<ul>\n<li>Th\u1ee9 1: Ch\u1ee7 n\u1ee3 l\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00f4 c\u00f9ng l\u1edbn, c\u00f3 khi l\u00ean \u0111\u1ebfn h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng. \u0110i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 \u1edf c\u00e1c DN kh\u00e1c.<\/li>\n<li>Th\u1ee9 2: Kh\u00e1ch h\u00e0ng vay c\u1ee7a NH c\u0169ng r\u1ea5t nhi\u1ec1u, c\u00f3 khi l\u00ean \u0111\u1ebf\u00a0 c\u1ea3 tri\u1ec7u ng\u01b0\u1eddi, v\u1edbi nh\u1eefng th\u1eddi h\u1ea1n r\u1ea5t kh\u00e1c nhau, c\u00f3 khi l\u00ean \u0111\u1ebfn h\u00e0ng ch\u1ee5c n\u0103m, kh\u00f4ng th\u1ec3 thu h\u1ed3i n\u1ee3 trong 1 v\u00e0i n\u0103m \u0111\u01b0\u1ee3c. \u0110i\u1ec1u n\u00e0y c\u0169ng kh\u00f4ng c\u00f3 \u1edf c\u00e1c Dn kh\u00e1c.<\/li>\n<li>C\u00e1c DN kh\u00e1c c\u0169ng c\u00f3 th\u1ec3 c\u00f3 h\u00e0ng tri\u1ec7u KH, nh\u01b0ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng ch\u1ea5m d\u1ee9t ngay quan h\u1ec7 m\u00e0 kh\u00f4ng c\u00f3 r\u00e0ng bu\u1ed9c g\u00ec \u0111\u00e1ng k\u1ec3 gi\u1ed1ng nh\u01b0 ti\u1ec1n g\u1eedi, ti\u1ec1n vay. Nhi\u1ec1u n\u0103m tr\u01b0\u1edbc \u0111\u00e2y \u0111\u00e3 t\u1eebng gi\u1ea3i th\u1ec3 1 s\u1ed1 NH, so v\u1edbi b\u00e2y gi\u1edd th\u00ec c\u00f3 quy m\u00f4 r\u1ea5t nh\u1ecf, nh\u01b0 Vi\u1eb9t Hoa, Ch\u00e2u \u00c1 TBD, nh\u01b0ng c\u0169ng m\u1ea5t h\u00e0ng ch\u1ee5c n\u0103m tr\u1eddi ch\u01b0a xong.<\/li>\n<li>Th\u1ee9 3: vi\u1ec7c gi\u1ea3i th\u1ec3, ph\u00e1 s\u1ea3n NH c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1eb7c bi\u1ec7t x\u1ea5u \u0111\u1ebfn t\u00e2m l\u00fd, ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00e2n, x\u00e3 h\u1ed9i, \u1ea3nh h\u01b0\u1edfng v\u00f4 c\u00f9ng\u00a0 nghi\u00eam tr\u1ecdng \u0111\u1ebfn s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng NH v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf<\/li>\n<\/ul>\n<p>TL : v\u1eady \u0111\u1ec3 gi\u1ea3i to\u1ea3 nh\u1eefng v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd \u0111\u00f3, th\u00ec c\u1ea7n nh\u1eefng g\u00ec th\u01b0a \u00f4ng ?<\/p>\n<ol>\n<li>Ph\u1ea3i chu\u1ea9n b\u1ecb y\u1ebfu t\u1ed1 t\u00e2m l\u00fd cho c\u00f4ng ch\u00fang, ng\u01b0\u1eddi d\u00e2n, x\u00e3 h\u1ed9i, ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, c\u1ed5 \u0111\u00f4ng, ch\u1ee7 n\u1ee3 ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn v\u1edbi chuy\u1ec7n ph\u00e1 s\u1ea3n NH. \u0110\u00f3 l\u00e0 quy lu\u1eadt t\u1ea5t y\u1ebfu c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, d\u00f9 c\u00f3 hay kh\u00f4ng c\u00f3 \u0111\u1ecbnh h\u01b0\u1edbng XHCN. Kh\u00f4ng th\u1ec3 c\u1ee9 di\u1ec5n m\u00e3i t\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi g\u1eedi ti\u1ec1n kh\u00f4ng c\u1ea7n quan t\u00e2m \u0111\u1ebfn t\u00ecnh h\u00ecnh c\u1ee7a NH, t\u1ee9c l\u00e0 r\u1ee7i ro c\u1ee7a m\u00ecnh, th\u1eadm ch\u00ed c\u00e0ng g\u1eedi \u1edf NH y\u1ebfu k\u00e9m v\u00ec l\u00e3i su\u1ea5t cao h\u01a1n. N\u1ebfu c\u00f3 g\u00ec b\u1ea5t tr\u1eafc th\u00ec \u0111\u00e3 c\u00f3 NN lo, NN b\u1ea3o \u0111\u1ea3m chi tr\u1ea3, NN ch\u1ecbu tr\u00e1ch nhi\u1ec7m.<\/li>\n<li>Ph\u1ea3i b\u1ea3o \u0111\u1ea3m ch\u1ee7 \u0111\u1ed9ng ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c vi\u1ec7c ph\u00e1 s\u1ea3n, ki\u1ec3m so\u00e1y t\u00ecnh h\u00ecnh, tr\u00e1nh t\u00ecnh tr\u1ea1ng ph\u1ea3n \u1ee9ng d\u00e2y chuy\u1ec1n, r\u00fat ti\u1ec1n \u1ed3 \u1ea1t, m\u1ea5t thanh kho\u1ea3n cho h\u1ec7 th\u1ed1ng NH.<\/li>\n<li>Ph\u1ea3i c\u00f3 ph\u01b0\u01a1ng \u00e1n c\u1ee5 th\u1ec3, ch\u1eafc ch\u1eafn. Ch\u1eb3ng h\u1ea1n theo quy \u0111\u1ecbnh hi\u1ec7n nay, kh\u00f4ng y\u00eau c\u1ea7u hay tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n \u0111\u01b0\u1ee3c ngay NH kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 \u0111\u1ebfn h\u1ea1n 3 th\u00e1ng nh\u01b0&#8230;, NH c\u00f3 nguy c\u01a1 m\u1ea5t an to\u00e0n s\u1ebd ph\u1ea3i qua nhi\u1ec1u b\u01b0\u1edbc. Th\u1ee9 nh\u1ea5t l\u00e0 gi\u00e1m s\u00e1t \u0111\u1eb7c bi\u1ec7t. Th\u1ee9 hai l\u00e0 ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t c\u00f3 th\u1ec3 1 -2 n\u0103m. Sau \u0111\u00f3 m\u1edbi \u0111\u01b0\u1ee3c chuy\u1ec3n sang b\u1eaft \u0111\u1ea7u th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n. Nh\u01b0 v\u1eady, khi ti\u1ebfn h\u00e0nh vi\u1eb9c ph\u00e1 s\u1ea3n, th\u00ec \u0111\u00e3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c ph\u1ea7n l\u1edbn v\u1ea5n \u0111\u1ec1.<\/li>\n<\/ol>\n<p>TL : C\u00e1c chuy\u00ean gia cho r\u1eb1ng vi\u1ec7c x\u1eed l\u00fd m\u1ed9t ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m c\u00f3 th\u00e0nh c\u00f4ng \u201cth\u1ef1c ch\u1ea5t\u201d hay kh\u00f4ng ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o quy\u1ebft t\u00e2m \u201cth\u1ef1c ch\u1ea5t\u201d c\u1ee7a ng\u01b0\u1eddi l\u00e3nh \u0111\u1ea1o ng\u00e0nh, v\u00e0 v\u00e0o ni\u00eam tin c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ed1i v\u1edbi ng\u00e0nh \u0111\u00f3. V\u1eady theo \u00f4ng, nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o c\u1ee7ng c\u1ed1 cho ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00e2n?<\/p>\n<ol>\n<li>\u0110\u00fang th\u1ebf. Vi\u1ec7c x\u1eed l\u00fd c\u00e1c NH y\u1ebfu k\u00e9m \u0111\u00f2i h\u1ecfi s\u1ef1 ki\u00ean quy\u1ebft, c\u1ee9ng r\u1eafn, s\u1ef1 quy\u1ebft t\u00e2m cao c\u1ee7a ng\u01b0\u1eddi l\u00e3nh \u0111\u1ea1o ng\u00e0nh, \u0111\u00f3i h\u1ecfi s\u1ef1 \u1ee7ng h\u1ed9 c\u1ee7a nhi\u1ec1u c\u1ea5p, nhi\u1ec1u c\u01a1 quan, \u0111\u00f4i khi l\u00e0 \u1ee7ng h\u1ed9 c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/li>\n<li>X\u1eed l\u00fd NH y\u1ebfu k\u00e9m \u00edt nhi\u1ec1u \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u01b0\u1eddi d\u00e2n, v\u00ec v\u1eady n\u1ebfu ng\u01b0\u1eddi d\u00e2n kh\u00f4ng c\u00f3 ni\u1ec1m tin, th\u00ec s\u1ebd kh\u00f4ng \u1ee7ng h\u1ed9, th\u1eadm ch\u00ed s\u1ebd l\u00e0 l\u1ef1c c\u1ea3n \u0111\u00e1ng k\u1ec3.<\/li>\n<li>Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, NH lu\u00f4n cam k\u1ebft m\u1ea1nh tay ch\u1ea5n ch\u1ec9nh v\u00e0 th\u1ef1c t\u1ebf \u0111\u00e3 \u0111\u01b0a ra x\u1eed l\u00fd, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u1edfi t\u1ed1, \u0111i\u1ec1u tra, truy t\u1ed1 v\u00e0 x\u00e9t x\u1eed r\u1ea5t nhi\u1ec1u l\u00e3nh \u0111\u1ea1o c\u00e1c NHTM. \u0110\u1ed3ng th\u1eddi lu\u00f4n b\u1ea3o \u0111\u1ea3m an to\u00e0n ti\u1ec1n g\u1eedi cho ng\u01b0\u1eddi d\u00e2n.<\/li>\n<li>\u0110\u1ebfn nay, h\u1ec7 th\u1ed1ng NH c\u01a1 b\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1, thanh l\u1ecdc, \u0111i v\u00e0o \u1ed5n \u0111\u1ecbnh v\u00e0 ph\u00e1t tri\u1ec3n, n\u00ean ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 c\u1ee7ng c\u1ed1 ni\u1ec1m tin v\u00e0o h\u1ec7 th\u1ed1ng NH n\u00f3i ri\u00eang v\u00e0 Nh\u00e0 n\u01b0\u1edbc n\u00f3i chung.<\/li>\n<\/ol>\n<p>Th\u01b0a qu\u00ed v\u1ecb v\u00e0 c\u00e1c b\u1ea1n. Nh\u01b0 v\u1eady, \u0111\u00f2i h\u1ecfi c\u1ea5p b\u00e1ch c\u1ee7a n\u1ec1n kinh t\u1ebf l\u00e0 ph\u1ea3i l\u00e0m l\u00e0nh m\u1ea1nh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, ch\u1ea5m d\u1ee9t t\u00ecnh tr\u1ea1ng s\u00e2n sau, s\u1edf h\u1eefu ch\u00e9o, x\u1eed l\u00fd r\u1ed1 r\u00e1o n\u1ee3 x\u1ea5u, \u0111\u1ec3 ng\u00e0nh ng\u00e2n h\u00e0ng th\u1ef1c s\u1ef1 mang m\u1ed9t h\u00e0nh trang t\u00edch c\u1ef1c b\u01b0\u1edbc v\u00e0o ph\u1ee5c v\u1ee5 m\u1ed9t giai \u0111o\u1ea1n m\u1edbi c\u1ee7a n\u1ec1n kinh t\u1ebf. N\u1ebfu nh\u1eefng \u201c g\u00e1nh n\u1eb7ng\u201d n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c lo\u1ea1i b\u1ecf, th\u00ec h\u1ec7 lu\u1ef5 kh\u00f4ng ch\u1ec9 g\u00e2y ra \u0111\u1ed1i v\u1edbi ri\u00eang n\u00e0gnh ng\u00e2n h\u00e0ng, m\u00e0 c\u00f2n \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng c\u1ee7a n\u1ec1n kinh t\u1ebf. \u0111\u00e3 \u0111\u1ebfn l\u00fac ch\u00fang ta ph\u1ea3i ch\u1ecbu \u0111au m\u1ed9t l\u1ea7n \u0111\u1ec3 h\u01b0\u1edbng t\u1edbi b\u00ecnh y\u00ean, h\u01a1n l\u00e0 d\u00e2y d\u01b0a v\u1edbi c\u00e1c c\u0103n b\u1ec7nh tr\u1ea7m kha k\u00e9o d\u00e0i.\/.<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p><strong>M\u1eddi nghe t\u1ea1i \u0111\u00e2y:<br \/>\n<\/strong><a href=\"http:\/\/vov1.vn\/cau-chuyen-thoi-su\/tai-co-cau-ngan-hang-thach-thuc-con-phia-truoc-2012017-cmobile47-30348.aspx\">http:\/\/vov1.vn\/cau-chuyen-thoi-su\/tai-co-cau-ngan-hang-thach-thuc-con-phia-truoc-2012017-cmobile47-30348.aspx<\/a><\/p>\n<p><strong><em>VOV1 (Theo d\u00f2ng Th\u1eddi s\u1ef1) tr\u1ef1c ti\u1ebfp 7h15 \u2013 7h40 ng\u00e0y 20-01-2017:<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/vov1.vn\/cau-chuyen-thoi-su\/tai-co-cau-ngan-hang-thach-thuc-con-phia-truoc-2012017-cmobile47-30348.aspx\"><em>http:\/\/vov1.vn\/cau-chuyen-thoi-su\/tai-co-cau-ngan-hang-thach-thuc-con-phia-truoc-2012017-cmobile47-30348.aspx<\/em><\/a>","protected":false},"excerpt":{"rendered":"<p>(VOV1) &#8211; T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng \u2013 Th\u00e1ch th\u1ee9c c\u00f2n \u1edf ph\u00eda tr\u01b0\u1edbc\u00a0 K\u1ecaCH B\u1ea2N CCTS 20\/01\/2017: \u00a0 Th\u01b0a qu\u00ed v\u1ecb v\u00e0 c\u00e1c b\u1ea1n. Theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, th\u00ec n\u0103m 2017 s\u1ebd l\u00e0 n\u0103m \u0111\u1ea9y m\u1ea1nh t\u00e1i c\u01a1 c\u1ea5u h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng \u201c th\u1ef1c ch\u1ea5t, quy\u1ebft li\u1ec7t\u201d, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19210,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.478. T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng \u2013 Th\u00e1ch th\u1ee9c c\u00f2n \u1edf ph\u00eda tr\u01b0\u1edbc\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\/en\/tieng-viet-1-478-tai-co-cau-ngan-hang-thach-thuc-con-o-phia-truoc\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.478. T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng \u2013 Th\u00e1ch th\u1ee9c c\u00f2n \u1edf ph\u00eda tr\u01b0\u1edbc\u00a0[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(VOV1) &#8211; T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng \u2013 Th\u00e1ch th\u1ee9c c\u00f2n \u1edf ph\u00eda tr\u01b0\u1edbc\u00a0 K\u1ecaCH B\u1ea2N CCTS 20\/01\/2017: \u00a0 Th\u01b0a qu\u00ed v\u1ecb v\u00e0 c\u00e1c b\u1ea1n. Theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, th\u00ec n\u0103m 2017 s\u1ebd l\u00e0 n\u0103m \u0111\u1ea9y m\u1ea1nh t\u00e1i c\u01a1 c\u1ea5u h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng \u201c th\u1ef1c ch\u1ea5t, quy\u1ebft li\u1ec7t\u201d, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/tieng-viet-1-478-tai-co-cau-ngan-hang-thach-thuc-con-o-phia-truoc\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2017-01-20T06:56:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-04-26T06:41:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/9-4.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"606\" \/>\n\t<meta property=\"og:image:height\" content=\"472\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"17 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-478-tai-co-cau-ngan-hang-thach-thuc-con-o-phia-truoc\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-478-tai-co-cau-ngan-hang-thach-thuc-con-o-phia-truoc\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"1.478. 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