{"id":21811,"date":"2014-08-21T11:15:09","date_gmt":"2014-08-21T04:15:09","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21811"},"modified":"2022-05-19T15:47:34","modified_gmt":"2022-05-19T08:47:34","slug":"549-nen-cong-khai-cac-khoan-vay-cua-lanh-dao-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/549-nen-cong-khai-cac-khoan-vay-cua-lanh-dao-ngan-hang\/","title":{"rendered":"549. N\u00ean c\u00f4ng khai c\u00e1c kho\u1ea3n vay c\u1ee7a l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng"},"content":{"rendered":"(PL) \u2013 Hi\u1ec7n nay, Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c T\u00edn d\u1ee5ng (TCTD) \u0111ang quy \u0111\u1ecbnh, t\u1ea5t c\u1ea3 giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi m\u1ecdi kh\u00e1ch h\u00e0ng \u0111\u1ec1u l\u00e0 th\u00f4ng tin m\u1eadt. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em> cho r\u1eb1ng: Thay v\u00ec c\u1ea5m, th\u00ec ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 quy \u0111\u1ecbnh kho\u1ea3n vay c\u1ee7a kh\u00e1ch h\u00e0ng b\u00ecnh th\u01b0\u1eddng l\u00e0 b\u00ed m\u1eadt, nh\u01b0ng c\u1ee7a l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng th\u00ec ph\u1ea3i l\u00e0 c\u00f4ng khai. \u0110i\u1ec1u n\u00e0y c\u0169ng gi\u1ed1ng nh\u01b0 th\u00f4ng tin v\u1ec1 thu nh\u1eadp v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a d\u00e2n th\u01b0\u1eddng l\u00e0 b\u00ed m\u1eadt, nh\u01b0ng c\u1ee7a quan ch\u1ee9c th\u00ec bu\u1ed9c ph\u1ea3i c\u00f4ng khai, LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u1ec1 xu\u1ea5t.<\/strong><\/p>\n

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R\u1ee7i ro \u0111\u1ed1i v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng?<\/strong><\/p>\n

Ph\u00f3ng vi\u00ean: Hi\u1ec7n nay, c\u00f3 kh\u00f4ng \u00edt nh\u1eefng t\u1eadp \u0111o\u00e0n n\u1eafm quy\u1ec1n chi ph\u1ed1i, \u0111i\u1ec1u h\u00e0nh m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Ch\u00ednh v\u00ec th\u1ebf, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, vi\u1ec7c n\u1eafm quy\u1ec1n chi ph\u1ed1i v\u00e0 \u0111i\u1ec1u h\u00e0nh c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u1ef1c ch\u1ea5t l\u00e0 nh\u1eb1m ph\u1ee5c v\u1ee5 cho c\u00e1c d\u1ef1 \u00e1n, m\u1ee5c \u0111\u00edch kinh doanh c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n n\u00e0y l\u00e0 ch\u00ednh. \u00dd ki\u1ebfn c\u1ee7a \u00f4ng v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0Khi th\u00e0nh l\u1eadp ho\u1eb7c \u0111\u1ea7u t\u01b0 v\u1ed1n v\u00e0o ng\u00e2n h\u00e0ng trong nhi\u1ec1u n\u0103m tr\u01b0\u1edbc, h\u1ea7u h\u1ebft c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n \u0111\u1ec1u h\u01b0\u1edbng t\u1edbi m\u1ee5c \u0111\u00edch tr\u1ef1c ti\u1ebfp chi ph\u1ed1i, \u0111i\u1ec1u h\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 nh\u1eb1m cung c\u1ea5p ngu\u1ed3n v\u1ed1n cho ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a m\u00ecnh. \u0110\u00f3 l\u00e0 m\u1ed9t r\u1ee7i ro r\u1ea5t l\u1edbn, \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng \u0111\u1ebfn s\u1ef1 an nguy c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang v\u00e0 c\u1ea3 h\u1ec7 th\u1ed1ng n\u00f3i chung. V\u00ec v\u1eady lu\u1eadt ph\u00e1p ng\u00e0y c\u00e0ng th\u1eaft ch\u1eb7t v\u00e0 l\u00e2u nay \u0111\u00e3 c\u1ea5m vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 h\u1ea1n ch\u1ebf ch\u1eb7t ch\u1ebd vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng cho c\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn. Ch\u1eb3ng h\u1ea1n n\u1ebfu m\u1ed9t kh\u00e1ch h\u00e0ng b\u00ecnh th\u01b0\u1eddng hay m\u1ed9t c\u1ed5 \u0111\u00f4ng nh\u1ecf (s\u1edf h\u1eefu kh\u00f4ng qu\u00e1 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7), th\u00ec c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c cho vay \u0111\u1ebfn 15% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng, nh\u01b0ng n\u1ebfu l\u00e0 m\u1ed9t c\u1ed5 \u0111\u00f4ng l\u1edbn ho\u1eb7c g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ed9ng l\u1ea1i th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p vay kh\u00f4ng qu\u00e1 5% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p c\u00f3 s\u1ef1 \u01b0u \u0111\u00e3i n\u00e0o.<\/p>\n

Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, c\u00f4ng khai th\u00ec kh\u00f4ng ai vi ph\u1ea1m, nh\u01b0ng d\u00f9ng \u201cngh\u1ec7 thu\u1eadt\u201d chuy\u1ec3n \u0111\u1ed5i, li\u00ean k\u1ebft, b\u1eadt t\u01b0\u1eddng, th\u00f4ng qua trung gian,\u2026 th\u00ec v\u1eabn th\u01b0\u1eddng xuy\u00ean x\u1ea3y ra. \u0110\u00e2y ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng r\u1ee7i ro l\u1edbn nh\u1ea5t c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng, v\u00ec c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u1ea5p v\u1ed1n n\u00e0y r\u1ea5t d\u1ec5 b\u1ecb vi ph\u1ea1m nguy\u00ean t\u1eafc an to\u00e0n t\u00edn d\u1ee5ng.<\/p>\n

V\u1edbi vi\u1ec7c c\u00e1c t\u1eadp \u0111o\u00e0n kinh t\u1ebf chi ph\u1ed1i, \u0111i\u1ec1u h\u00e0nh ng\u00e2n h\u00e0ng nh\u01b0 v\u1eady, th\u00ec theo \u00f4ng, n\u00f3 s\u1ebd c\u00f3 \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o t\u1edbi quy\u1ec1n l\u1ee3i c\u1ee7a nh\u1eefng c\u1ed5 \u0111\u00f4ng kh\u00e1c?<\/em><\/p>\n

N\u1ebfu \u0111i\u1ec1u \u0111\u00f3 x\u1ea3y ra, t\u1ee9c l\u00e0 n\u00f3 mang l\u1ea1i l\u1ee3i \u00edch l\u1edbn cho c\u00e1c t\u1eadp \u0111o\u00e0n kinh t\u1ebf. V\u00e0 kh\u00f4ng c\u00f2n g\u00ec kh\u00e1c, \u201cmi\u1ebfng b\u00e1nh\u201d l\u1ee3i \u00edch c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng kh\u00e1c \u0111\u00e3 b\u1ecb b\u1edbt \u0111i \u0111\u1ec3 d\u1ed3n cho c\u1ed5 \u0111\u00f4ng chi ph\u1ed1i. M\u1ecdi ti\u1ebfng n\u00f3i, m\u1ecdi h\u00e0nh \u0111\u1ed9ng bi\u1ec3u quy\u1ebft c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng c\u00f2n l\u1ea1i s\u1ebd g\u1ea7n nh\u01b0 v\u00f4 t\u00e1c d\u1ee5ng. V\u00e0 \u201cc\u1ed7 xe\u201d ng\u00e2n h\u00e0ng s\u1ebd d\u1ec5 b\u1ecb tr\u1ee5c tr\u1eb7c, ch\u1ec7ch cho\u1ea1c, sa l\u1ea7y h\u01a1n.<\/p>\n

T\u1eeb v\u1ee5 vi\u1ec7c c\u1ee7a T\u1eadp \u0111o\u00e0n Thi\u00ean Thanh v\u00e0 Ng\u00e2n h\u00e0ng x\u00e2y d\u1ef1ng, \u00f4ng c\u00f3 b\u00ecnh lu\u1eadn g\u00ec v\u1ec1 c\u00e1ch qu\u1ea3n l\u00fd v\u00e0 x\u1eed l\u00fd nh\u1eefng r\u1ee7i ro li\u00ean quan \u0111\u1ebfn l\u1ee3i \u00edch trong nh\u00f3m c\u00e1c c\u1ed5 \u0111\u00f4ng chi ph\u1ed1i, \u0111i\u1ec1u h\u00e0nh m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng?<\/em><\/p>\n

Theo t\u00f4i, vi\u1ec7c s\u1edf h\u1eefu nhi\u1ec1u hay \u00edt, chi ph\u1ed1i hay kh\u00f4ng chi ph\u1ed1i ng\u00e2n h\u00e0ng kh\u00f4ng quan tr\u1ecdng b\u1eb1ng vi\u1ec7c c\u00f4ng khai con s\u1ed1 th\u1ef1c ch\u1ea5t v\u00e0 \u00e1p d\u1ee5ng t\u01b0\u01a1ng th\u00edch c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t r\u1ee7i ro. \u0110i\u1ec1u nguy hi\u1ec3m nh\u1ea5t l\u00e0 tr\u00ean gi\u1ea5y t\u1edd ph\u00e1p l\u00fd th\u00ec kh\u00f4ng c\u00f3 chuy\u1ec7n v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n hay chi ph\u1ed1i, nh\u01b0ng th\u1ef1c ch\u1ea5t th\u00ec ng\u01b0\u1ee3c l\u1ea1i. Th\u1ebf l\u00e0 m\u1ecdi th\u1ee9 th\u00e0nh m\u1edd m\u1edd, \u1ea3o \u1ea3o, quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd c\u1ee7a Lu\u1eadt ch\u1ec9 c\u00f2n l\u00e0 h\u00ecnh th\u1ee9c, v\u00f4 d\u1ee5ng. \u0110\u00e2y ch\u00ednh l\u00e0 m\u1ed9t \u0111i\u1ec1u \u0111\u00e1ng b\u00e1o \u0111\u1ed9ng trong vi\u1ec7c ki\u1ec3m so\u00e1t t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong qu\u00e1 tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

N\u00ean c\u00f4ng khai c\u00e1c kho\u1ea3n vay c\u1ee7a l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng<\/strong><\/p>\n

Lu\u1eadt c\u00e1c TCTD n\u0103m 2010 cho ph\u00e9p, m\u1ed9t ph\u00e1p nh\u00e2n \u0111\u01b0\u1ee3c s\u1edf h\u1eefu kh\u00f4ng qu\u00e1 15% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a 1 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, 1 c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c s\u1edf h\u1eefu kh\u00f4ng qu\u00e1 5%. Tuy nhi\u00ean, theo gi\u1edbi chuy\u00ean gia nh\u1eadn \u0111\u1ecbnh c\u00e1c \u00f4ng ch\u1ee7 Ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 nhi\u1ec1u bi\u1ec7n ph\u00e1p \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi quy \u0111\u1ecbnh n\u00e0y. M\u1ed9t trong nh\u1eefng c\u00e1ch \u0111\u1ed1i ph\u00f3 \u0111\u00f3 l\u00e0 chuy\u1ec3n nh\u01b0\u1ee3ng loanh quanh, nh\u1edd ng\u01b0\u1eddi kh\u00e1c \u0111\u1ee9ng t\u00ean ho\u1eb7c k\u00edn \u0111\u00e1o h\u01a1n l\u00e0 chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed5 ph\u1ea7n t\u1eeb c\u00e1 nh\u00e2n sang c\u00f4ng ty m\u00e0 ng\u01b0\u1eddi chuy\u1ec3n nh\u01b0\u1ee3ng c\u0169ng l\u00e0 c\u1ed5 \u0111\u00f4ng l\u1edbn t\u1ea1i c\u00f4ng ty \u0111\u00f3. \u00dd ki\u1ebfn c\u1ee7a \u00f4ng v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c: Quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c TCTD n\u0103m 2010 cho ph\u00e9p m\u1ed9t ph\u00e1p nh\u00e2n \u0111\u01b0\u1ee3c s\u1edf h\u1eefu kh\u00f4ng qu\u00e1 15%, m\u1ed9t c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c s\u1edf h\u1eefu kh\u00f4ng qu\u00e1 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t TCTD. T\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc NHNN c\u0169ng ch\u1ec9 cho ph\u00e9p t\u1ef7 l\u1ec7 s\u1edf h\u1eefu cao nh\u1ea5t c\u1ee7a m\u1ed9t c\u1ed5 \u0111\u00f4ng l\u00e0 40%, r\u1ed3i sau \u0111\u00f3 h\u1ea1 xu\u1ed1ng 20% \u0111\u1ed1i v\u1edbi ph\u00e1p nh\u00e2n v\u00e0 10% \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n. Tuy nhi\u00ean, sau 4 n\u0103m Lu\u1eadt \u0111\u00e3 \u0111\u01b0\u1ee3c ban h\u00e0nh, nh\u01b0ng th\u1ef1c t\u1ebf t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng v\u1eabn c\u00f2n cao h\u01a1n r\u1ea5t nhi\u1ec1u, trong \u0111\u00f3 c\u00f3 nh\u1eefng ph\u00e1p nh\u00e2n \u0111\u01b0\u1ee3c cho ph\u00e9p s\u1edf h\u1eefu \u0111\u1ebfn tr\u00ean 50%. \u0110\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec1u r\u1ea5t kh\u00f4ng h\u1ee3p l\u00fd.<\/em><\/p>\n

Ph\u00e1p lu\u1eadt kh\u00f4ng ch\u1ec9 quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n hay ph\u00e1p nh\u00e2n, m\u00e0 c\u00f2n quy \u0111\u1ecbnh r\u1ea5t ch\u1eb7t ch\u1ebd c\u1ea3 gi\u1edbi h\u1ea1n c\u1ee7a h\u1ecd v\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 li\u00ean quan, n\u00ean kh\u00f4ng c\u00f3 chuy\u1ec7n m\u1ed9t ng\u01b0\u1eddi v\u00e0 c\u00e1c th\u00e0nh vi\u00ean trong gia \u0111\u00ecnh hay c\u00f4ng ty c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u1ee9ng t\u00ean s\u1edf h\u1eefu h\u1ee3p ph\u00e1p qu\u00e1 t\u1ef7 l\u1ec7 quy \u0111\u1ecbnh. Tuy nhi\u00ean, b\u1eb1ng bi\u1ec7n ph\u00e1p n\u00e0y, c\u00e1ch th\u1ee9c kia, ng\u01b0\u1eddi ta \u0111\u1ec1u \u201cho\u00e1 gi\u1ea3i\u201d \u0111\u01b0\u1ee3c h\u1ebft. V\u1ea5n \u0111\u1ec1 l\u00e0 qu\u1ea3n l\u00fd thi\u1ebfu th\u1ef1c ch\u1ea5t, l\u00e0 hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd c\u1ee7a nh\u00e0 n\u01b0\u1edbc tr\u00ean th\u1ef1c t\u1ebf r\u1ea5t h\u1ea1n ch\u1ebf, c\u00f2n mang n\u1eb7ng t\u00ednh h\u00ecnh th\u1ee9c, th\u1eadm ch\u00ed b\u1ecb v\u00f4 hi\u1ec7u ho\u00e1 trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p. \u0110i\u1ec1u \u0111\u00e1ng n\u00f3i l\u00e0 t\u1ea5t c\u1ea3 \u0111\u1ec1u bi\u1ebft, nh\u01b0ng kh\u00f4ng c\u00f3 c\u01a1 th\u1ebf th\u1ef1c thi, kh\u00f4ng c\u00f3 bi\u1ec7n ph\u00e1p x\u1eed l\u00fd, kh\u00f4ng c\u00f3 gi\u1ea3i ph\u00e1p h\u1eefu hi\u1ec7u, n\u00ean quy \u0111\u1ecbnh m\u1ed9t \u0111\u1eb1ng m\u00e0 th\u1ef1c t\u1ebf m\u1ed9t n\u1ebbo.<\/p>\n

Theo k\u1ebft qu\u1ea3 thanh tra c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho th\u1ea5y, \u1edf kh\u00f4ng \u00edt ng\u00e2n h\u00e0ng c\u1ed5 \u0111\u00f4ng l\u1edbn v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 s\u1edf h\u1eefu d\u1eabn \u0111\u1ebfn thao t\u00fang, chi ph\u1ed1i ng\u00e2n h\u00e0ng, ph\u1ee5c v\u1ee5 cho l\u1ee3i \u00edch, \u0111\u1ea9y ng\u00e2n h\u00e0ng \u0111\u1ebfn t\u00ecnh tr\u1ea1ng ho\u1ea1t \u0111\u1ed9ng thi\u1ebfu minh b\u1ea1ch, \u0111i\u1ec1u h\u00e0nh kh\u00f4ng tu\u00e2n th\u1ee7 nguy\u00ean t\u1eafc v\u00e0 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. K\u1ebft qu\u1ea3 n\u00e0y n\u00f3i l\u00ean \u0111i\u1ec1u g\u00ec, th\u01b0a \u00f4ng?<\/em><\/p>\n

C\u1ea7n ph\u1ea3i n\u00f3i r\u1eb1ng, m\u1eb7c d\u00f9 Lu\u1eadt \u0111\u00e3 kh\u1ed1ng ch\u1ebf t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1eeb 4 n\u0103m nay, nh\u01b0ng \u0111a s\u1ed1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p v\u01b0\u1ee3t gi\u1edbi h\u1ea1n 5% v\u1edbi m\u1ed9t c\u00e1 nh\u00e2n hay 20%\u00a0 v\u1edbi m\u1ed9t nh\u00f3m c\u1ed5 \u0111\u00f4ng hi\u1ec7n nay l\u1ea1i ch\u01b0a ph\u1ea3i l\u00e0 vi ph\u1ea1m, v\u00ec Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u01b0a h\u1ec1 c\u00f3 v\u0103n b\u1ea3n \u1ea5n \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m ph\u1ea3i tu\u00e2n th\u1ee7 theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt. V\u00e0 k\u1ebft lu\u1eadn thanh tra c\u1ee7a NHNN c\u0169ng ch\u01b0a ch\u1eafc \u0111\u00e3 ph\u1ea3n \u00e1nh \u0111\u01b0\u1ee3c th\u1ef1c ch\u1ea5t t\u1ef7 l\u1ec7 s\u1edf h\u1eefu. V\u00ec v\u1eady, c\u0169ng s\u1ebd kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u01b0\u1ee3c h\u1ebft t\u00ecnh h\u00ecnh th\u1ef1c tr\u1ea1ng.<\/p>\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft th\u1ef1c t\u1ebf n\u00e0y, d\u01b0\u1edbi g\u00f3c \u0111\u1ed9 l\u00e0 m\u1ed9t Lu\u1eadt s\u01b0, chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u00f4ng c\u00f3 nh\u1eefng ki\u1ebfn ngh\u1ecb s\u1eeda \u0111\u1ed5i g\u00ec \u0111\u1ec3 ti\u1ebfp t\u1ee5c \u201cb\u1ecbt k\u00edn\u201d nh\u1eefng l\u1ed7 h\u1ed5ng v\u1ec1 c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng?<\/em><\/p>\n

T\u00f4i thi\u00ean v\u1ec1 h\u01b0\u1edbng c\u1ea7n ch\u1ea5p nh\u1eadn tr\u01b0\u1eddng h\u1ee3p c\u1ed5 \u0111\u00f4ng chi ph\u1ed1i ng\u00e2n h\u00e0ng, nh\u01b0ng b\u1ea3o \u0111\u1ea3m y\u00eau c\u1ea7u v\u1ec1 s\u1ef1 c\u00f4ng khai v\u00e0 r\u00e0ng bu\u1ed9c ch\u1eb7t ch\u1ebd \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n, minh b\u1ea1ch thay v\u00ec \u201cm\u1ecdi th\u1ee9 \u0111\u1ec1u \u0111\u00fang, nh\u01b0ng k\u1ebft c\u1ee5c v\u1eabn h\u1ecfng\u201d. \u201cC\u00e1i \u0111\u00fang\u201d l\u00e2u nay \u0111ang c\u00f3 v\u1ea5n \u0111\u1ec1, m\u00e0 n\u00f3i th\u1eb3ng ra l\u00e0 \u0111ang sai, \u0111ang gi\u1ea3. Thay v\u00ec c\u1ea5m \u0111o\u00e1n vi\u1ec7c cho \u00f4ng ch\u1ee7 t\u1ecbch c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng vay nh\u01b0 l\u00e2u nay, th\u00ec v\u1eabn c\u00f3 th\u1ec3 cho ph\u00e9p, nh\u01b0ng quy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n ch\u1eb7t ch\u1ebd h\u01a1n v\u00e0 c\u00f4ng khai, minh b\u1ea1ch vi\u1ec7c \u0111\u00f3 cho b\u00e0n d\u00e2n thi\u00ean h\u1ea1 bi\u1ebft.<\/p>\n

T\u1ea1i sao kh\u00f4ng quy \u0111\u1ecbnh, kho\u1ea3n vay c\u1ee7a kh\u00e1ch h\u00e0ng b\u00ecnh th\u01b0\u1eddng l\u00e0 b\u00ed m\u1eadt, nh\u01b0ng c\u1ee7a l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng th\u00ec ph\u1ea3i l\u00e0 c\u00f4ng khai? \u0110i\u1ec1u n\u00e0y c\u0169ng gi\u1ed1ng nh\u01b0 th\u00f4ng tin v\u1ec1 thu nh\u1eadp v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a d\u00e2n th\u01b0\u1eddng l\u00e0 b\u00ed m\u1eadt, nh\u01b0ng c\u1ee7a quan ch\u1ee9c th\u00ec bu\u1ed9c ph\u1ea3i c\u00f4ng khai. Hi\u1ec7n nay, Lu\u1eadt c\u00e1c TCTD \u0111ang quy \u0111\u1ecbnh, t\u1ea5t c\u1ea3 giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi m\u1ecdi kh\u00e1ch h\u00e0ng \u0111\u1ec1u l\u00e0 th\u00f4ng tin m\u1eadt. V\u00e0 nhi\u1ec1u khi k\u1ebft lu\u1eadn thanh tra v\u1ec1 vi\u1ec7c n\u00e0y c\u0169ng l\u1ea1i ti\u1ebfp t\u1ee5c l\u00e0 th\u00f4ng tin m\u1eadt. Th\u1ebf l\u00e0 th\u1ef1c t\u1ebf th\u00ec m\u1eadp m\u1edd, ph\u00e1p lu\u1eadt th\u00ec b\u00ed m\u1eadt v\u00e0 m\u1ecdi th\u1ee9 \u0111\u1ec1u kh\u00f4ng minh b\u1ea1ch. Kh\u00f4ng minh b\u1ea1ch d\u1eabn t\u1edbi r\u1ee7i ro, ti\u00eau c\u1ef1c s\u1ebd t\u1eeb \u0111\u00f3 m\u00e0 ra.<\/p>\n

Xin c\u1ea3m \u01a1n \u00f4ng!<\/em><\/p>\n

V\u0103n Don (th\u1ef1c hi\u1ec7n)<\/strong><\/p>\n

——————<\/p>\n

T\u1ea1p ch\u00ed Ph\u00e1p l\u00fd (Kinh doanh v\u00e0 Ph\u00e1p lu\u1eadt) 21-8-2014:<\/em><\/strong><\/p>\n

http:\/\/phaply.net.vn\/bai-noi-bat\/luat-su-truong-thanh-duc-chu-tich-hdtv-luat-basi co-nen-cong-khai-cac-khoan-vay-cua-lanh-dao-ngan-hang.html<\/em><\/p>\n

(1.648\/1.648)<\/em>","protected":false},"excerpt":{"rendered":"

(PL) \u2013 Hi\u1ec7n nay, Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c T\u00edn d\u1ee5ng (TCTD) \u0111ang quy \u0111\u1ecbnh, t\u1ea5t c\u1ea3 giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi m\u1ecdi kh\u00e1ch h\u00e0ng \u0111\u1ec1u l\u00e0 th\u00f4ng tin m\u1eadt. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng: Thay v\u00ec c\u1ea5m, th\u00ec ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 quy \u0111\u1ecbnh kho\u1ea3n […]<\/p>\n","protected":false},"author":10,"featured_media":21618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n549. N\u00ean c\u00f4ng khai c\u00e1c kho\u1ea3n vay c\u1ee7a l\u00e3nh \u0111\u1ea1o 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\/549-nen-cong-khai-cac-khoan-vay-cua-lanh-dao-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]549. N\u00ean c\u00f4ng khai c\u00e1c kho\u1ea3n vay c\u1ee7a l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(PL) \u2013 Hi\u1ec7n nay, Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c T\u00edn d\u1ee5ng (TCTD) \u0111ang quy \u0111\u1ecbnh, t\u1ea5t c\u1ea3 giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi m\u1ecdi kh\u00e1ch h\u00e0ng \u0111\u1ec1u l\u00e0 th\u00f4ng tin m\u1eadt. 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