{"id":20825,"date":"2016-03-23T15:08:40","date_gmt":"2016-03-23T08:08:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20825"},"modified":"2022-05-11T15:10:49","modified_gmt":"2022-05-11T08:10:49","slug":"1-012-ngan-hang-dang-tro-thanh-con-tin-cua-hop-dong-vo-hieu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-012-ngan-hang-dang-tro-thanh-con-tin-cua-hop-dong-vo-hieu\/","title":{"rendered":"1.012. Ng\u00e2n h\u00e0ng \u0111ang tr\u1edf th\u00e0nh \u201ccon tin\u201d c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00f4 hi\u1ec7u…"},"content":{"rendered":"(\u0110TCK) – \u0110\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u do l\u1ed7i b\u00ean th\u1ee9 ba, ph\u00eda ng\u00e2n h\u00e0ng \u0111ang ph\u1ea3i g\u00e1nh ch\u1ecbu nhi\u1ec1u thi\u1ec7t th\u00f2i. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u00e3 c\u00f3 trao \u0111\u1ed5i v\u1edbi \u0110TCK v\u1ec1 h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd t\u1eeb h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u.<\/strong><\/p>\n

Khi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c kh\u00f4ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m – v\u1ed1n l\u00e0 phao c\u1ee9u sinh c\u1ee7a ng\u00e2n h\u00e0ng, c\u00f2n kh\u00e1ch h\u00e0ng v\u1eabn ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3. Trong khi, \u0111\u00e2y l\u00e0 giao d\u1ecbch t\u1ef1 nguy\u1ec7n gi\u1eefa c\u00e1c b\u00ean. N\u1ebfu tr\u01b0\u1eddng h\u1ee3p l\u1ed7i thu\u1ed9c v\u1ec1 ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5, quy\u1ec1n l\u1ee3i li\u00ean quan (gi\u1ea3 d\u1ee5 nh\u01b0 c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea5p sai s\u1ed5 \u0111\u1ecf d\u1eabn \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p b\u1ecb v\u00f4 hi\u1ec7u), ph\u1ea3i ch\u0103ng ng\u00e2n h\u00e0ng \u0111\u00e3 g\u00e1nh ch\u1ecbu nhi\u1ec1u thi\u1ec7t th\u00f2i, th\u01b0a lu\u1eadt s\u01b0?<\/p>\n

V\u1ec1 nguy\u00ean t\u1eafc, n\u1ebfu h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u00e3 th\u1ec3 hi\u1ec7n \u00fd ch\u00ed t\u1ef1 nguy\u1ec7n c\u1ee7a c\u00e1c b\u00ean th\u00ec kh\u00f4ng th\u1ec3 b\u1ecb v\u00f4 hi\u1ec7u. N\u1ebfu c\u00f3 sai s\u00f3t v\u1ec1 th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd th\u00ec ch\u1ec9 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh. Tuy nhi\u00ean, ph\u00e1p lu\u1eadt l\u00e2u nay quy \u0111\u1ecbnh theo h\u01b0\u1edbng \u0111i ng\u01b0\u1ee3c l\u1ea1i s\u1ef1 t\u1ef1 do, t\u1ef1 nguy\u1ec7n \u00fd ch\u00ed c\u1ee7a c\u00e1c b\u00ean, t\u1ee9c coi h\u1ee3p \u0111\u1ed3ng v\u00f4 hi\u1ec7u n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng, ho\u1eb7c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, ho\u1eb7c thi\u1ebfu s\u00f3t v\u1ec1 b\u1ea5t k\u1ef3 m\u1ed9t \u0111i\u1ec3m n\u00e0o \u0111\u00f3.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p b\u00ean c\u00f3 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 li\u00ean quan c\u00f3 l\u1ed7i khi\u1ebfn cho h\u1ee3p \u0111\u1ed3ng v\u00f4 hi\u1ec7u th\u00ec ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng to\u00e0n b\u1ed9 thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf cho b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m. Nguy\u00ean t\u1eafc l\u00e0 nh\u01b0 v\u1eady, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, ch\u01b0a c\u00f3 c\u01a1 quan hay c\u00e1 nh\u00e2n n\u00e0o ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m. T\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u \u201ckh\u1ee7ng\u201d t\u1ea1i ng\u00e0nh ng\u00e2n h\u00e0ng trong th\u1eddi gian qua, c\u00f3 m\u1ed9t ph\u1ea7n l\u1edbn nguy\u00ean nh\u00e2n t\u1eeb nh\u1eefng l\u1ed7i nh\u01b0 tr\u00ean.\u00a0<\/strong><\/em><\/p>\n

C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, t\u00f2a \u00e1n tuy\u00ean b\u1ed1 h\u1ee3p \u0111\u1ed3ng v\u00f4 hi\u1ec7u nh\u01b0ng l\u1ea1i b\u1ecf m\u1eb7c quy\u1ec1n l\u1ee3i c\u1ee7a \u0111\u01b0\u01a1ng s\u1ef1. Do v\u1eady, m\u1ed7i khi ra ph\u00e1n quy\u1ebft, t\u00f2a \u00e1n c\u1ea7n \u0111\u01b0a ph\u01b0\u01a1ng \u00e1n gi\u1ea3i quy\u1ebft h\u1eadu qu\u1ea3 sau quy\u1ebft \u0111\u1ecbnh tr\u00ean. Theo \u00f4ng, \u0111\u1ec1 xu\u1ea5t n\u00e0y c\u00f3 kh\u1ea3 thi kh\u00f4ng?<\/strong><\/em><\/p>\n

C\u00f3 r\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p t\u00f2a \u00e1n tuy\u00ean h\u1ee3p \u0111\u1ed3ng v\u00f4 hi\u1ec7u. \u0110i\u1ec3n h\u00ecnh ph\u1ea3i k\u1ec3 \u0111\u1ebfn vi\u1ec7c h\u00e0ng tri\u1ec7u c\u0103n nh\u00e0 \u1edf n\u00f4ng th\u00f4n, ch\u1ec9 c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, nh\u01b0ng tr\u00ean \u0111\u00f3 l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c ghi nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf. Khi mang \u0111i th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng, c\u00f4ng ch\u1ee9ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p ghi nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu nh\u00e0, c\u01a1 quan \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p c\u0169ng v\u1eady. Nh\u01b0ng \u0111\u1ebfn khi x\u1ea3y ra khi\u1ebfu ki\u1ec7n, t\u00f2a \u00e1n l\u1ea1i d\u1ef1a v\u00e0o l\u00fd do ch\u1ec9 th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, kh\u00f4ng th\u1ebf ch\u1ea5p nh\u00e0 \u1edf n\u00ean s\u1eb5n s\u00e0ng tuy\u00ean h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u.<\/p>\n

N\u1ebfu t\u00f2a \u00e1n \u0111\u00e3 tuy\u00ean h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u, th\u00ec s\u1ebd \u201ckh\u00f4ng l\u00e0m ph\u00e1t sinh, thay \u0111\u1ed5i, ch\u1ea5m d\u1ee9t quy\u1ec1n, ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 c\u1ee7a c\u00e1c b\u00ean k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m x\u00e1c l\u1eadp\u201d h\u1ee3p \u0111\u1ed3ng. Khi \u0111\u00f3, \u201cc\u00e1c b\u00ean kh\u00f4i ph\u1ee5c l\u1ea1i t\u00ecnh tr\u1ea1ng ban \u0111\u1ea7u, ho\u00e0n tr\u1ea3 cho nhau nh\u1eefng g\u00ec \u0111\u00e3 nh\u1eadn\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 137 v\u1ec1 \u201cH\u1eadu qu\u1ea3 ph\u00e1p l\u00fd c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. T\u1ee9c l\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n v\u00e0 gi\u1ea5y t\u1edd s\u1edf h\u1eefu cho b\u00ean th\u1ebf ch\u1ea5p, c\u00f2n b\u00ean th\u1ebf ch\u1ea5p kh\u00f4ng ph\u1ea3i tr\u1ea3 l\u1ea1i g\u00ec.<\/p>\n

H\u1eadu qu\u1ea3 l\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng thu \u0111\u01b0\u1ee3c n\u1ee3 vay, trong khi tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 l\u00e0 c\u1ee7a b\u00ean vay, kh\u00f4ng ph\u1ea3i c\u1ee7a b\u00ean th\u1ebf ch\u1ea5p. B\u00ean th\u1ebf ch\u1ea5p r\u00f5 r\u00e0ng \u0111\u00e3 b\u1ed9i \u01b0\u1edbc, l\u1eadt l\u1ecdng, th\u1eadm ch\u00ed l\u00e0 l\u1eeba \u0111\u1ea3o, nh\u01b0ng kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m. Cu\u1ed1i c\u00f9ng, ch\u1ec9 ng\u00e2n h\u00e0ng ph\u1ea3i g\u00e1nh ch\u1ecbu thi\u1ec7t h\u1ea1i.<\/p>\n

Th\u01b0a lu\u1eadt s\u01b0, c\u00f3 c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt n\u00e0o ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng t\u1eeb h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u kh\u00f4ng \u1ea1?<\/em><\/strong><\/p>\n

N\u1ebfu b\u00ean vay v\u1ed1n \u0111\u1ed3ng th\u1eddi l\u00e0 b\u00ean th\u1ebf ch\u1ea5p, th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 v\u00e0 b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho ng\u00e2n h\u00e0ng. N\u1ebfu b\u00ean th\u1ebf ch\u1ea5p l\u00e0 ng\u01b0\u1eddi th\u1ee9 ba, th\u00ec kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3 n\u00e0o v\u1ec1 vi\u1ec7c b\u1ed3i th\u01b0\u1eddng.<\/p>\n

\u0110i\u1ec1u 137 n\u00f3i tr\u00ean c\u0169ng \u0111\u00e3 quy \u0111\u1ecbnh: \u201cB\u00ean c\u00f3 l\u1ed7i g\u00e2y thi\u1ec7t h\u1ea1i ph\u1ea3i b\u1ed3i th\u01b0\u1eddng\u201d, tuy nhi\u00ean, h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 x\u1eed l\u00fd tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 v\u00e0 b\u1ed3i th\u01b0\u1eddng khi ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 n\u1ee3, b\u1edfi v\u1eady, khi \u0111\u00e3 b\u1ecb v\u00f4 hi\u1ec7u th\u00ec r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 r\u1ea5t l\u1edbn. K\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n b\u1ed3i th\u01b0\u1eddng do h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u, th\u00ec v\u1ea5n \u0111\u1ec1 kh\u00f3 nh\u1ea5t v\u1eabn l\u00e0 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u1ed3i th\u01b0\u1eddng.<\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n V\u0103n Th\u00e1i,\u00a0C\u00f4ng ty Lu\u1eadt Bross v\u00e0 c\u1ed9ng s\u1ef1<\/strong><\/p>\n

H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00f4 hi\u1ec7u. Kho\u1ea3n c\u00f4ng n\u1ee3 v\u1eabn \u0111\u01b0\u1ee3c b\u00ean vay ch\u1ecbu tr\u00e1ch nhi\u1ec7m thanh to\u00e1n. N\u1ebfu b\u00ean vay kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3, ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u c\u01a1 quan thi h\u00e0nh \u00e1n b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh. T\u1ea1i giai \u0111o\u1ea1n thi h\u00e0nh \u00e1n, n\u1ebfu b\u00ean th\u1ebf ch\u1ea5p v\u1eabn \u0111\u1ed3ng \u00fd s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc \u0111\u00e2y (d\u00f9 H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u00e3 b\u1ecb tuy\u00ean b\u1ed1 v\u00f4 hi\u1ec7u) \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho kho\u1ea3n n\u1ee3 c\u1ee7a b\u00ean vay (b\u00ean \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p), th\u00ec c\u01a1 quan thi h\u00e0nh \u00e1n v\u1eabn c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng l\u00e0m t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o thi h\u00e0nh \u00e1n v\u00e0 t\u1ed5 ch\u1ee9c b\u00e1n \u0111\u1ea5u gi\u00e1 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 137 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u00eau: \u201cB\u00ean c\u00f3 l\u1ed7i g\u00e2y thi\u1ec7t h\u1ea1i ph\u1ea3i b\u1ed3i th\u01b0\u1eddng\u201d. Do \u0111\u00f3, ngh\u0129a v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ee9ng minh tr\u01b0\u1edbc t\u00f2a \u00e1n l\u00e0 gi\u00e1 tr\u1ecb thi\u1ec7t h\u1ea1i ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u v\u00e0 ng\u01b0\u1eddi n\u00e0o c\u00f3 l\u1ed7i g\u00e2y ra thi\u1ec7t h\u1ea1i. N\u1ebfu ng\u01b0\u1eddi c\u00f3 l\u1ed7i l\u00e0 \u0111\u01b0\u01a1ng s\u1ef1 trong v\u1ee5 \u00e1n tranh ch\u1ea5p, ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u t\u00f2a \u00e1n gi\u1ea3i quy\u1ebft ngay trong v\u1ee5 \u00e1n tranh ch\u1ea5p ki\u1ec7n \u0111\u00f2i n\u1ee3 theo h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n

N\u1ebfu ng\u01b0\u1eddi c\u00f3 l\u1ed7i kh\u00f4ng ph\u1ea3i \u0111\u01b0\u01a1ng s\u1ef1 (nh\u01b0 c\u00f4ng ch\u1ee9ng vi\u00ean ho\u1eb7c c\u01a1 quan, t\u1ed5 ch\u1ee9c kh\u00e1c), th\u00ec ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n b\u1eb1ng m\u1ed9t v\u1ee5 ki\u1ec7n tranh ch\u1ea5p y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i ngo\u00e0i h\u1ee3p \u0111\u1ed3ng ri\u00eang.<\/p>\n

\u0110\u1ed7 M\u1ebfn th\u1ef1c hi\u1ec7n.<\/strong><\/p>\n

\n

\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n (Ph\u00e1p lu\u1eadt) 23-3-2016:<\/em><\/strong><\/p>\n

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(837\/1.128)","protected":false},"excerpt":{"rendered":"

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