{"id":21190,"date":"2014-06-26T18:27:06","date_gmt":"2014-06-26T11:27:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21190"},"modified":"2022-05-13T18:56:25","modified_gmt":"2022-05-13T11:56:25","slug":"518-giay-phep-va-su-viet-vi-cua-cac-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/518-giay-phep-va-su-viet-vi-cua-cac-ngan-hang\/","title":{"rendered":"518. Gi\u1ea5y ph\u00e9p v\u00e0 s\u1ef1 vi\u1ec7t v\u1ecb c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng"},"content":{"rendered":"(TBKTSG) – C\u1ea5p \u0111\u1ed5i gi\u1ea5y ph\u00e9p l\u00e0 m\u1ed9t trong nh\u1eefng h\u00e0nh \u0111\u1ed9ng c\u1ee5 th\u1ec3 \u0111\u1ea7u ti\u00ean Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) s\u1ebd l\u00e0m \u0111\u1ec3 b\u1ecbt l\u1ea1i nh\u1eefng l\u1ed7 h\u1ed5ng v\u1ec1 ph\u00e1p l\u00fd, c\u01a1 ch\u1ebf cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng sau v\u1ee5 \u00e1n \u201cb\u1ea7u Ki\u00ean\u201d v\u00e0 tr\u01b0\u1edbc nguy c\u01a1 \u201cph\u1ea1m t\u1ed9i\u201d kinh doanh tr\u00e1i ph\u00e9p.<\/strong><\/p>\n

\"\"<\/p>\n

hi\u1ebfu theo quan \u0111i\u1ec3m c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd, nh\u1eefng ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 kh\u00f4ng \u0111\u01b0\u1ee3c ghi trong gi\u1ea5y ph\u00e9p v\u00e0 kh\u00f4ng c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m. \u1ea2nh: T\u01af\u1edcNG NGUY\u00caN<\/em><\/p>\n

M\u1edbi \u0111\u00e2y, NHNN \u0111\u00e3 c\u00f4ng b\u1ed1 d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 40\/2011\/TT-NHNN ng\u00e0y 15-12-2011 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c c\u1ea5p gi\u1ea5y ph\u00e9p v\u00e0 t\u1ed5 ch\u1ee9c, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 l\u1ea5y \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p. Nh\u00e2n d\u1ecbp n\u00e0y, th\u1eed t\u00ecm hi\u1ec3u hi\u1ec7n tr\u1ea1ng v\u1ec1 gi\u1ea5y ph\u00e9p c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.Chi\u1ebfu theo quan \u0111i\u1ec3m c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd, nh\u1eefng ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 kh\u00f4ng \u0111\u01b0\u1ee3c ghi trong gi\u1ea5y ph\u00e9p v\u00e0 kh\u00f4ng c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m. \u1ea2nh: T\u01af\u1edcNG NGUY\u00caN<\/em><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u \u0111ang…\u201ckinh doanh tr\u00e1i ph\u00e9p\u201d<\/strong><\/p>\n

\u201c90% ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng hi\u1ec7n nay l\u00e0 kinh doanh tr\u00e1i ph\u00e9p. T\u1eeb mua b\u00e1n tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, d\u1ecbch v\u1ee5 g\u1eedi, gi\u1eef ti\u1ec1n g\u1eedi \u0111\u1ed3 qu\u00fd hi\u1ebfm, \u1ee7y th\u00e1c cho vay, chi\u1ebft kh\u1ea5u ch\u1ee9ng t\u1eeb theo L\/C c\u1ee7a kh\u00e1ch h\u00e0ng xu\u1ea5t nh\u1eadp kh\u1ea9u… b\u1edfi n\u1ebfu chi\u1ebfu theo quan \u0111i\u1ec3m c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 c\u01a1 quan thi h\u00e0nh lu\u1eadt ph\u00e1p \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n qua v\u1ee5 x\u1eed \u00e1n \u201cb\u1ea7u Ki\u00ean\u201d th\u00ec nh\u1eefng ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 kh\u00f4ng \u0111\u01b0\u1ee3c ghi trong gi\u1ea5y ph\u00e9p v\u00e0 kh\u00f4ng c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m. Chi\u1ebfu theo th\u1ef1c t\u1ebf hi\u1ec7n h\u00e0nh, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u \u0111ang kinh doanh tr\u00e1i ph\u00e9p t\u1ea1i h\u1ea7u h\u1ebft c\u00e1c ho\u1ea1t \u0111\u1ed9ng\u201d, t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng cho bi\u1ebft.<\/p>\n

\u0110\u01a1n c\u1eed nh\u01b0 ho\u1ea1t \u0111\u1ed9ng th\u00f4ng th\u01b0\u1eddng nh\u1ea5t c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng: huy \u0111\u1ed9ng v\u00e0 cho vay v\u1ed1n. V\u00ec gi\u1ea5y ph\u00e9p c\u1ea5p cho ng\u00e2n h\u00e0ng l\u00e0 gi\u1ea5y ph\u00e9p chung. Theo Lu\u1eadt Doanh nghi\u1ec7p m\u1edbi s\u1eeda \u0111\u1ed5i, c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3 c\u1ee7a ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd l\u1ea1i theo danh m\u1ee5c ho\u1ea1t \u0111\u1ed9ng, t\u1ee9c \u0111\u00fang ra c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u ph\u1ea3i \u0111\u0103ng k\u00fd l\u1ea1i t\u1eebng ho\u1ea1t \u0111\u1ed9ng nh\u01b0ng ch\u01b0a c\u00f3 ng\u00e2n h\u00e0ng n\u00e0o th\u1ef1c hi\u1ec7n vi\u1ec7c n\u00e0y, n\u1ebfu b\u1ecb b\u1eaft b\u1ebb l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh tr\u00e1i ph\u00e9p, ng\u00e2n h\u00e0ng c\u0169ng ch\u1ecbu.<\/p>\n

T\u1eeb tr\u01b0\u1edbc t\u1edbi nay, theo tinh th\u1ea7n c\u1ee7a Hi\u1ebfn ph\u00e1p, theo th\u00f4ng l\u1ec7 nhi\u1ec1u n\u01b0\u1edbc, c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn t\u1ef1 hi\u1ec3u r\u1eb1ng c\u00e1i g\u00ec lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh th\u00ec doanh nghi\u1ec7p (trong \u0111\u00f3 c\u00f3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng) \u0111\u01b0\u1ee3c l\u00e0m. Nh\u01b0ng t\u1ea1i v\u1ee5 \u00e1n b\u1ea7u Ki\u00ean v\u1eeba qua, c\u01a1 quan thi h\u00e0nh lu\u1eadt \u0111\u00e3 th\u1ec3 hi\u1ec7n quan \u0111i\u1ec3m, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec ghi tr\u00ean gi\u1ea5y (c\u1ee5 th\u1ec3 l\u00e0 gi\u1ea5y ph\u00e9p c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 nh\u1eefng v\u0103n b\u1ea3n li\u00ean quan).<\/p>\n

Th\u1ef1c ra, tr\u01b0\u1edbc \u0111\u00f3, \u0111i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c tranh c\u00e3i gay g\u1eaft khi Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) 2010 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i. Nhi\u1ec1u \u00fd ki\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng, lu\u1eadt s\u01b0 \u0111\u00e3 ph\u1ea3n \u0111\u1ed1i \u0111i\u1ec1u 90 c\u1ee7a lu\u1eadt n\u00e0y, nh\u01b0ng cu\u1ed1i c\u00f9ng gi\u1edbi l\u00e0m ngh\u1ec1 ph\u1ea3i ch\u1ecbu \u201cthua\u201d. \u0110i\u1ec1u 90 quy \u0111\u1ecbnh: TCTD kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh b\u1ea5t k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o ngo\u00e0i c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c ghi trong gi\u1ea5y ph\u00e9p \u0111\u01b0\u1ee3c NHNN c\u1ea5p cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy \u0111\u1ecbnh t\u1ea1i lu\u1eadt n\u00e0y th\u1ef1c hi\u1ec7n theo h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN.<\/p>\n

Song, nh\u1eefng h\u01b0\u1edbng d\u1eabn c\u1ee7a lu\u1eadt \u0111\u00e3 kh\u00f4ng k\u1ecbp th\u1eddi, v\u00e0 \u0111i\u1ec1u n\u00e0y khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang vi\u1ec7t v\u1ecb trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh. R\u00f5 r\u00e0ng nh\u1ea5t l\u00e0 vi\u1ec7c kinh doanh tr\u00e1i ph\u00e9p li\u00ean quan \u0111\u1ebfn m\u1ed9t s\u1ed1 nh\u00e2n v\u1eadt t\u1eebng l\u00e3nh \u0111\u1ea1o Ng\u00e2n h\u00e0ng TMCP \u00c1 Ch\u00e2u (ACB).<\/p>\n

\u0110\u1ebfn nay, \u201ct\u1ed9i kinh doanh tr\u00e1i ph\u00e9p nh\u01b0 b\u00f3ng ma tr\u00f9m l\u00ean c\u00e1c ng\u00e2n h\u00e0ng, l\u00e0m c\u1ea3 h\u1ec7 th\u1ed1ng run s\u1ee3, ng\u01b0ng tr\u1ec7 nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng s\u1ee3 b\u1ecb s\u1edd \u0111\u1ebfn, b\u1ecb ph\u1ea1t, hay b\u1ecb b\u1eaft b\u1ea5t c\u1ee9 khi n\u00e0o. Hi\u1ec7n \u0111\u00e3 c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng kh\u00f4ng d\u00e1m cho vay mua tr\u00e1i phi\u1ebfu hay b\u00e1n n\u1ee3 v\u00e0 c\u1ea3 nh\u1eefng ho\u1ea1t \u0111\u1ed9ng v\u1ed1n coi l\u00e0 th\u00f4ng th\u01b0\u1eddng… Lu\u1eadt c\u00e1c TCTD cho ph\u00e9p ng\u00e2n h\u00e0ng b\u00e1n n\u1ee3 cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, doanh nghi\u1ec7p, c\u00e1 nh\u00e2n nh\u01b0ng hi\u1ec7n kh\u00f4ng ng\u00e2n h\u00e0ng n\u00e0o d\u00e1m l\u00e0m v\u00ec ho\u1ea1t \u0111\u1ed9ng n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c ghi trong gi\u1ea5y ph\u00e9p th\u00ec b\u1ecb hi\u1ec3u l\u00e0 kinh doanh tr\u00e1i ph\u00e9p\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0111\u00e3 v\u00e0 \u0111ang tham gia t\u01b0 v\u1ea5n ph\u00e1p l\u00fd cho nhi\u1ec1u ng\u00e2n h\u00e0ng chia s\u1ebb.<\/em><\/p>\n

V\u00ec sao n\u00ean n\u1ed7i?<\/strong><\/p>\n

Th\u1ee9 nh\u1ea5t, h\u1ec7 th\u1ed1ng gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD nhi\u1ec1u n\u0103m qua kh\u00f4ng c\u00f3 chu\u1ea9n chung, thi\u1ebfu nh\u1ea5t qu\u00e1n v\u00e0 th\u1eadm ch\u00ed thi\u1ebfu r\u00f5 r\u00e0ng khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng g\u1eb7p kh\u00f4ng \u00edt kh\u00f3 kh\u0103n.
\nCh\u1ec9 nh\u1eefng nh\u00f3m ng\u00e2n h\u00e0ng ra \u0111\u1eddi c\u00f9ng m\u1ed9t th\u1eddi k\u1ef3 g\u1ea7n nhau m\u1edbi c\u00f3 ki\u1ec3u gi\u1ea5y ph\u00e9p gi\u1ed1ng nhau. M\u1eabu v\u00e0 n\u1ed9i dung gi\u1ea5y ph\u00e9p do NHNN c\u1ea5p t\u1eebng th\u1eddi k\u1ef3 c\u00f3 s\u1ef1 kh\u00e1c nhau c\u01a1 b\u1ea3n. V\u00ed d\u1ee5, gi\u1ea5y ph\u00e9p c\u1ee7a Ng\u00e2n h\u00e0ng TMCP H\u00e0ng h\u1ea3i, ACB l\u00e0 nh\u1eefng gi\u1ea5y ph\u00e9p c\u1ea5p n\u0103m 1991, gi\u1ea5y ph\u00e9p v\u1eabn c\u00f2n \u0111\u01b0\u1ee3c vi\u1ebft tay.<\/p>\n\n\n\n
\u0110\u1ebfn nay, \u201ct\u1ed9i kinh doanh tr\u00e1i ph\u00e9p nh\u01b0 b\u00f3ng ma tr\u00f9m l\u00ean c\u00e1c ng\u00e2n h\u00e0ng, l\u00e0m c\u1ea3 h\u1ec7 th\u1ed1ng run s\u1ee3, ng\u01b0ng tr\u1ec7 nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng s\u1ee3 b\u1ecb s\u1edd \u0111\u1ebfn, b\u1ecb ph\u1ea1t, hay b\u1ecb b\u1eaft b\u1ea5t c\u1ee9 khi n\u00e0o. Hi\u1ec7n \u0111\u00e3 c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng kh\u00f4ng d\u00e1m cho vay mua tr\u00e1i phi\u1ebfu hay b\u00e1n n\u1ee3 v\u00e0 c\u1ea3 nh\u1eefng ho\u1ea1t \u0111\u1ed9ng v\u1ed1n coi l\u00e0 th\u00f4ng th\u01b0\u1eddng…\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0111\u00e3 v\u00e0 \u0111ang tham gia t\u01b0 v\u1ea5n ph\u00e1p l\u00fd cho nhi\u1ec1u ng\u00e2n h\u00e0ng chia s\u1ebb.<\/em><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00d4ng \u0110\u1ee9c cho bi\u1ebft, theo quan \u0111i\u1ec3m c\u1ee7a Lu\u1eadt c\u00e1c TCTD, \u201ckh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh b\u1ea5t k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o ngo\u00e0i c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c ghi trong gi\u1ea5y ph\u00e9p \u0111\u01b0\u1ee3c NHNN c\u1ea5p\u201d th\u00ec c\u0103n c\u1ee9 tr\u00ean gi\u1ea5y ph\u00e9p c\u1ee7a Ng\u00e2n h\u00e0ng H\u00e0ng h\u1ea3i th\u00ec h\u1ecd ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p… 1%. V\u00ec th\u1ebf, ngo\u00e0i gi\u1ea5y ph\u00e9p ch\u00ednh s\u1ed1 0001\/NH-GP ng\u00e0y 8-6-1991 ng\u00e2n h\u00e0ng n\u00e0y \u0111\u1ebfn nay c\u00f2n c\u00f3 th\u00eam t\u1edbi 10 gi\u1ea5y ph\u00e9p ph\u1ee5 kh\u00e1c (nh\u01b0 kinh doanh \u0111\u1ed1i ngo\u1ea1i, kinh doanh v\u00e0ng b\u1ea1c, d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3, bao thanh to\u00e1n, ngo\u1ea1i h\u1ed1i trong n\u01b0\u1edbc, ngo\u1ea1i h\u1ed1i qu\u1ed1c t\u1ebf, giao d\u1ecbch ph\u00e1i sinh h\u00e0ng h\u00f3a, mua b\u00e1n tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p…).<\/em><\/p>\n

Ch\u01b0a h\u1ebft, ng\u00e2n h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang, s\u1ebd ph\u1ea3i xin ph\u00e9p c\u00e1c nghi\u1ec7p v\u1ee5 nh\u01b0 ph\u00e1i sinh v\u1ec1 t\u1ef7 gi\u00e1, l\u00e3i su\u1ea5t, ngo\u1ea1i h\u1ed1i, ti\u1ec1n t\u1ec7 v\u00e0 t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh kh\u00e1c, \u1ee7y th\u00e1c, nh\u1eadn \u1ee7y th\u00e1c ngo\u00e0i cho vay, \u0111\u1ea1i l\u00fd li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m, qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, l\u01b0u k\u00fd ch\u1ee9ng kho\u00e1n, kinh doanh v\u00e0ng… C\u00e1c ho\u1ea1t \u0111\u1ed9ng n\u00e0y g\u00e2y kh\u00f3 kh\u0103n v\u00e0 phi\u1ec1n to\u00e1i cho ng\u00e2n h\u00e0ng r\u1ea5t nhi\u1ec1u b\u1edfi l\u1eaft nh\u1eaft, m\u1ea5t nhi\u1ec1u l\u1ea7n \u0111i l\u1ea1i, \u0111\u1ed9i th\u00eam nhi\u1ec1u gi\u1ea5y ph\u00e9p con m\u00e0 th\u1ef1c ch\u1ea5t, ch\u00fang kh\u00f4ng c\u00f3 trong s\u1ed1 249 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh.<\/em><\/p>\n

Th\u1eadm ch\u00ed, gi\u1ea5y ph\u00e9p c\u1ee7a H\u00e0ng h\u1ea3i c\u00f2n thi\u1ebfu m\u1ed9t ch\u1eef \u201cjoint\u201d trong c\u1ee5m t\u1eeb \u201cjoint stock\u201d (c\u1ed5 ph\u1ea7n) khi\u1ebfn b\u1ea5t c\u1ee9 th\u01b0\u01a1ng v\u1ee5 n\u00e0o v\u1edbi n\u01b0\u1edbc ngo\u00e0i, ng\u00e2n h\u00e0ng \u0111\u1ec1u ph\u1ea3i xin NHNN m\u1ed9t t\u1edd gi\u1ea5y x\u00e1c nh\u1eadn r\u1eb1ng gi\u1ea5y ph\u00e9p g\u1ed1c vi\u1ebft nh\u01b0 v\u1eady n\u1ebfu kh\u00f4ng \u0111\u1ed1i t\u00e1c n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng ch\u1ea5p nh\u1eadn.
\n<\/em>
\nTrong gi\u1ea5y ph\u00e9p c\u1ea5p cho Ng\u00e2n h\u00e0ng H\u00e0ng h\u1ea3i ch\u1ec9 ghi hai c\u00e2u r\u1ea5t ng\u1eafn g\u1ecdn nh\u01b0 sau: \u201cN\u1ed9i dung ho\u1ea1t \u0111\u1ed9ng: C\u00e1c nghi\u1ec7p v\u1ee5 c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n b\u1eb1ng ti\u1ec1n \u0111\u1ed3ng. Nghi\u1ec7p v\u1ee5 \u0111\u1ed1i ngo\u1ea1i theo gi\u1ea5y ph\u00e9p ri\u00eang\u201d. Nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp theo Ph\u00e1p l\u1ec7nh Ng\u00e2n h\u00e0ng, H\u1ee3p t\u00e1c x\u00e3 t\u00edn d\u1ee5ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh n\u0103m 1990 v\u00e0 theo ki\u1ec3u gi\u1ea5y ph\u00e9p nh\u01b0 c\u1ee7a Ng\u00e2n h\u00e0ng H\u00e0ng h\u1ea3i s\u1ebd ph\u1ea3i xin ph\u00e9p l\u1ea1i g\u1ea7n nh\u01b0 to\u00e0n b\u1ed9 c\u00e1c ho\u1ea1t \u0111\u1ed9ng.<\/em><\/p>\n

Vi\u1ec7c l\u00e0m thi\u1ebfu nh\u1ea5t qu\u00e1n c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd ng\u00e0nh c\u00f2n g\u00e2y ra s\u1ef1 b\u1ea5t c\u00f4ng gi\u1eefa c\u00e1c TCTD. Ng\u00e2n h\u00e0ng c\u00e0ng ho\u1ea1t \u0111\u1ed9ng l\u00e2u n\u0103m, \u0111\u00e3 c\u00f3 nhi\u1ec1u kinh nghi\u1ec7m v\u1ec1 nghi\u1ec7p v\u1ee5 v\u00e0 qu\u1ea3n l\u00fd, th\u00ec l\u1ea1i c\u00e0ng ph\u1ea3i xin ph\u00e9p nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng. Ng\u01b0\u1ee3c l\u1ea1i, ng\u00e2n h\u00e0ng m\u1edbi \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp sau n\u00e0y, th\u00ec ch\u1eb3ng ph\u1ea3i xin ph\u00e9p b\u1edfi v\u00ec trong gi\u1ea5y ph\u00e9p \u0111\u01b0\u1ee3c ghi g\u1ea7n nh\u01b0 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c n\u1ed9i dung li\u00ean quan \u0111\u1ebfn m\u1ecdi ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt c\u00e1c TCTD n\u0103m 1997.<\/em><\/p>\n

Tuy nhi\u00ean, theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0111i\u1ec1u \u0111\u00e1ng s\u1ee3 h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, th\u1ef1c tr\u1ea1ng n\u00e0y ch\u00ednh l\u00e0 nh\u1eefng c\u00e1i \u201cb\u1eaby\u201d khi\u1ebfn ng\u00e2n h\u00e0ng v\u01b0\u1edbng v\u00f2ng lao l\u00fd. \u201cN\u1ebfu vi\u1ec7c c\u1ea5p l\u1ea1i gi\u1ea5y ph\u00e9p n\u00e0y \u0111\u01b0\u1ee3c l\u00e0m s\u1edbm th\u00ec m\u1ed9t s\u1ed1 l\u00e3nh \u0111\u1ea1o ACB \u0111\u00e3 kh\u00f4ng ph\u1ea1m t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Gi\u00e1 nh\u01b0…<\/strong><\/p>\n

V\u1edbi d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 m\u1edbi \u0111\u01b0\u1ee3c NHNN c\u00f4ng b\u1ed1, c\u00e1c ng\u00e2n h\u00e0ng n\u00f3i r\u1eb1ng h\u1ecd kh\u00f4ng b\u1ea5t ng\u1edd m\u00e0 ch\u1ec9 ti\u1ebfc l\u00e0 gi\u00e1 nh\u01b0 \u0111i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n s\u1edbm h\u01a1n.<\/p>\n

B\u1ea3n th\u00e2n l\u00e3nh \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i nhi\u1ec1u cu\u1ed9c h\u1ecdp, di\u1ec5n \u0111\u00e0n, trao \u0111\u1ed5i v\u1edbi c\u01a1 quan qu\u1ea3n l\u00fd c\u00e1c n\u0103m qua \u0111\u00e3 ki\u1ebfn ngh\u1ecb v\u1ec1 vi\u1ec7c n\u00ean \u0111\u1ed3ng b\u1ed9 h\u00f3a v\u0103n b\u1ea3n ph\u00e1p quy cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, trong \u0111\u00f3 c\u01a1 b\u1ea3n l\u00e0 \u0111\u1ed3ng b\u1ed9 h\u00f3a h\u1ec7 th\u1ed1ng gi\u1ea5y ph\u00e9p v\u00e0 c\u00e1c quy ph\u1ea1m tr\u00ean v\u0103n b\u1ea3n ch\u00ednh th\u1ee9c c\u1ea5p cho c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

B\u1edfi c\u01a1 quan qu\u1ea3n l\u00fd hi\u1ec3u r\u00f5, n\u1ebfu kh\u00f4ng s\u1ebd ti\u1ebfp t\u1ee5c c\u00f2n nh\u1eefng \u201cb\u1ea7u Ki\u00ean\u201d kh\u00e1c.<\/p>\n

T\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng b\u00e0y t\u1ecf: \u201cGi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng gi\u1ed1ng nh\u01b0 gi\u1ea5y khai sinh m\u1ed9t con ng\u01b0\u1eddi. N\u00f3 l\u1ec7ch chu\u1ea9n, ch\u00fang t\u00f4i r\u1ea5t kh\u1ed5. Ch\u00fang t\u00f4i v\u1eabn th\u1eafc m\u1eafc, t\u1ea1i sao ch\u1ec9 c\u00f3 duy nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam c\u00f3 V\u1ee5 c\u1ea5p ph\u00e9p trong NHNN (v\u1ee5 n\u00e0y hi\u1ec7n thu\u1ed9c C\u01a1 quan thanh tra, gi\u00e1m s\u00e1t) m\u00e0 \u0111i\u1ec1u c\u01a1 b\u1ea3n l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft\u201d<\/p>\n

H\u1ed3ng Ph\u00fac<\/em><\/strong><\/p>\n

——————<\/p>\n

Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n (Ng\u00e2n h\u00e0ng) 26-6-2014:<\/strong><\/em><\/p>\n

http:\/\/www.thesaigontimes.vn\/116696\/Giay-phep-va-su-viet-vi-cua-cac-ngan-hang.html<\/em><\/p>\n

(703\/1.696)<\/em>","protected":false},"excerpt":{"rendered":"

(TBKTSG) – C\u1ea5p \u0111\u1ed5i gi\u1ea5y ph\u00e9p l\u00e0 m\u1ed9t trong nh\u1eefng h\u00e0nh \u0111\u1ed9ng c\u1ee5 th\u1ec3 \u0111\u1ea7u ti\u00ean Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) s\u1ebd l\u00e0m \u0111\u1ec3 b\u1ecbt l\u1ea1i nh\u1eefng l\u1ed7 h\u1ed5ng v\u1ec1 ph\u00e1p l\u00fd, c\u01a1 ch\u1ebf cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng sau v\u1ee5 \u00e1n \u201cb\u1ea7u Ki\u00ean\u201d v\u00e0 tr\u01b0\u1edbc nguy c\u01a1 \u201cph\u1ea1m t\u1ed9i\u201d kinh doanh tr\u00e1i ph\u00e9p. […]<\/p>\n","protected":false},"author":10,"featured_media":21206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n518. Gi\u1ea5y ph\u00e9p v\u00e0 s\u1ef1 vi\u1ec7t v\u1ecb c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng - 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\/vi\/518-giay-phep-va-su-viet-vi-cua-cac-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]518. 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