{"id":22145,"date":"2014-10-02T11:32:31","date_gmt":"2014-10-02T04:32:31","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22145"},"modified":"2022-05-19T11:49:23","modified_gmt":"2022-05-19T04:49:23","slug":"566-co-hay-khong-vie%cc%a3c-hinh-su-hoa-trong-li%cc%83nh-vu%cc%a3c-ngan-hang-va-nhu%cc%83ng-bie%cc%a3n-phap-thao-go%cc%83","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/566-co-hay-khong-vie%cc%a3c-hinh-su-hoa-trong-li%cc%83nh-vu%cc%a3c-ngan-hang-va-nhu%cc%83ng-bie%cc%a3n-phap-thao-go%cc%83\/","title":{"rendered":"566. Co\u0301 hay kh\u00f4ng vi\u00ea\u0323c h\u00ecnh s\u1ef1 ho\u00e1 trong li\u0303nh v\u01b0\u0323c ng\u00e2n ha\u0300ng va\u0300 nh\u01b0\u0303ng bi\u00ea\u0323n pha\u0301p tha\u0301o g\u01a1\u0303"},"content":{"rendered":"(PL) \u2013 V\u1eeba qua, t\u1ea1i b\u00e1o c\u00e1o gi\u1ea3i tr\u00ecnh ch\u1ea5t v\u1ea5n t\u1ea1i phi\u00ean h\u1ecdp th\u1ee9 31 c\u1ee7a \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i ng\u00e0y 29\/9\/2014, Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0 Nguy\u1ec5n V\u0103n B\u00ecnh cho bi\u1ebft: \u201cTheo NHNN, khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 d\u00e2n s\u1ef1, kinh t\u1ebf, \u0111\u1ea7u t\u01b0, t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng c\u00f2n ch\u01b0a r\u00f5 r\u00e0ng, \u0111\u1ed3ng b\u1ed9; c\u01a1 ch\u1ebf th\u1ef1c thi ph\u00e1p lu\u1eadt c\u00f3 n\u01a1i, c\u00f3 l\u00fac ch\u01b0a b\u1ea3o \u0111\u1ea3m nghi\u00eam minh, c\u00f4ng b\u1eb1ng, \u0111\u1eb7c bi\u1ec7t ch\u01b0a b\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3. Tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c x\u1eed l\u00fd t\u00e0i s\u1ea3n, t\u1ed1 t\u1ee5ng v\u00e0 thi h\u00e0nh \u00e1n ph\u1ee9c t\u1ea1p, k\u00e9o d\u00e0i g\u00e2y t\u1ed1n k\u00e9m th\u1eddi gian v\u00e0 chi ph\u00ed cho TCTD. \u0110\u1eb7c bi\u1ec7t, NHNN cho r\u1eb1ng, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng thu h\u1ed3i v\u1ed1n, t\u00e0i s\u1ea3n cho Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n, \u0111\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 l\u00e0m gia t\u0103ng chi ph\u00ed c\u01a1 c\u1ea5u l\u1ea1i. \u201cPh\u01b0\u01a1ng ch\u00e2m c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 kh\u00f4ng h\u00ecnh s\u1ef1 h\u00f3a c\u00e1c quan h\u1ec7 d\u00e2n s\u1ef1. Qua thanh tra, ki\u1ec3m tra ch\u00fang t\u00f4i mu\u1ed1n ph\u00e1t hi\u1ec7n sai ph\u1ea1m v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c b\u00ean kh\u1eafc ph\u1ee5c. \u0110\u1ebfn khi kh\u00f4ng kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c th\u00ec s\u1ebd x\u1eed l\u00fd theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, k\u1ec3 c\u1ea3 l\u00e0 bi\u1ec7n ph\u00e1p h\u00ecnh s\u1ef1\u201d<\/strong><\/p>\n

V\u00e2\u0323y tr\u00ean th\u01b0\u0323c t\u00ea\u0301 th\u01a1\u0300i gian qua, co\u0301 hay kh\u00f4ng vi\u00ea\u0323c hi\u0300nh s\u01b0\u0323 ho\u0301a quan h\u00ea\u0323 kinh t\u00ea\u0301 d\u00e2n s\u01b0\u0323 trong li\u0303nh v\u01b0\u0323c ng\u00e2n ha\u0300ng? \u0110\u00e2y la\u0300 v\u00e2\u0301n \u0111\u00ea\u0300 l\u01a1\u0301n, kh\u00f4ng h\u00ea\u0300 \u0111\u01a1n gia\u0309n chu\u0301t na\u0300o va\u0300 cu\u0303ng kh\u00f4ng d\u00ea\u0303 kh\u0103\u0309ng \u0111i\u0323nh ho\u0103\u0323c phu\u0309 \u0111i\u0323nh, nh\u01b0ng la\u0323i \u0111\u0103\u0323t ra cho nh\u01b0\u0303ng ng\u01b0\u01a1\u0300i la\u0300m c\u00f4ng ta\u0301c pha\u0301p lu\u00e2\u0323t, ba\u0309o v\u00ea\u0323 pha\u0301p lu\u00e2\u0323t c\u00e2\u0300n suy nghi\u0303, tha\u0301o g\u01a1\u0303, ca\u0301c chuy\u00ean gia nghi\u00ean c\u01b0\u0301u v\u00ea\u0300 pha\u0301p lu\u00e2\u0323t kinh t\u00ea\u0301 pha\u0309i go\u0301p ti\u00ea\u0301ng no\u0301i \u0111\u00ea\u0309 v\u00e2\u0301n \u0111\u00ea\u0300 \u0111\u01b0\u01a1\u0323c sa\u0301ng to\u0309. \u0110\u00ea\u0309 ta\u0323o di\u00ea\u0303n \u0111a\u0300n ph\u00e2n ti\u0301ch bi\u0300nh lu\u00e2\u0323n \u0111a chi\u00ea\u0300u, xung quanh v\u00e2\u0301n \u0111\u00ea\u0300 na\u0300y Ban bi\u00ean t\u00e2\u0323p Pha\u0301p Ly\u0301 Online mong mu\u00f4\u0301n nh\u00e2\u0323n \u0111\u01b0\u01a1\u0323c ca\u0301c y\u0301 ki\u00ea\u0301n ph\u00e2n ti\u0301ch bi\u0300nh lu\u00e2\u0323n \u0111o\u0301ng go\u0301p cu\u0309a ca\u0301c chuy\u00ean gia pha\u0301p lu\u00e2\u0323t kinh t\u00ea\u0301, ca\u0301c lu\u00e2\u0323t gia, lu\u00e2\u0323t s\u01b0, nh\u01b0\u0303ng ng\u01b0\u01a1\u0300i la\u0300m c\u00f4ng ta\u0301c pha\u0301p lu\u00e2\u0323t, ba\u0309o v\u00ea\u0323 pha\u0301p lu\u00e2\u0323t trong ca\u0309 n\u01b0\u01a1\u0301c, tr\u00ean tinh th\u00e2\u0300n go\u0301p y\u0301 x\u00e2y d\u01b0\u0323ng s\u01b0\u0309a \u0111\u00f4\u0309 b\u00f4\u0309 sung chi\u0301nh sa\u0301ch pha\u0301p lu\u00e2\u0323t kinh t\u00ea\u0301.<\/p>\n

Ba\u0300i 1 \u2013 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC: H\u1ed3 s\u01a1 \u0111\u00fang t\u1edbi 99%, nh\u01b0ng 1% sai s\u00f3t s\u1ebd c\u00f3 th\u1ec3 th\u00e0nh t\u1ed9i ph\u1ea1m ???<\/strong><\/p>\n

\"\"<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC nh\u1eadn \u0111\u1ecbnh: X\u1eed l\u00fd h\u00ecnh s\u1ef1 ch\u1ec9 c\u00f3 t\u00e1c d\u1ee5ng thu h\u1ed3i nhanh ti\u1ec1n b\u1ea1c trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi ta c\u00f3 th\u1eeba kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. C\u00f2n \u0111a s\u1ed1 c\u00e1c v\u1ee5 vi\u1ec7c tr\u00ean th\u1ef1c t\u1ebf th\u00ec th\u01b0\u1eddng c\u00f3 k\u1ebft c\u1ee5c ng\u01b0\u1ee3c l\u1ea1i. N\u1ebfu kh\u1edfi t\u1ed1, b\u1eaft giam ng\u01b0\u1eddi c\u00f3 tr\u00e1ch nhi\u1ec7m, th\u00ec m\u1ed9t doanh nghi\u1ec7p \u0111ang s\u1ed1ng kho\u1ebb c\u0169ng th\u00e0nh ch\u1ebft, ch\u1ee9 n\u00f3i g\u00ec \u0111\u1ebfn vi\u1ec7c ng\u01b0\u1eddi ta \u0111ang r\u1ea5t kh\u00f3 kh\u0103n, h\u1ee5t tr\u01b0\u1edbc, thi\u1ebfu sau, ph\u1ea3i ng\u00e0y \u0111\u00eam lo l\u1eafng xoay x\u1edf, x\u1eed l\u00fd n\u1ee3 n\u1ea7n. Trong nh\u1eefng th\u1eddi k\u1ef3 kinh t\u1ebf suy tho\u00e1i n\u1eb7ng n\u1ec1 v\u00e0 k\u00e9o d\u00e0i nh\u01b0 hi\u1ec7n nay, th\u00ec c\u00e0ng th\u1ea5y cha \u00f4ng ch\u00fang ta kh\u00f4ng sai\u00a0 khi ch\u1ec9 d\u1ea1y r\u1eb1ng, c\u00f4ng n\u1ee3 tr\u1ea3 d\u1ea7n, ch\u00e1o h\u00fap v\u00f2ng quanh.<\/p>\n

Xung quanh v\u00e2\u0301n \u0111\u00ea\u0300 na\u0300y, Pho\u0301ng vi\u00ean Pha\u0301p Ly\u0301 \u0111a\u0303 co\u0301 cu\u00f4\u0323c trao \u0111\u00f4\u0309i v\u01a1\u0301i LS. Tr\u01b0\u01a1ng Thanh \u0110\u01b0\u0301c.<\/p>\n

H\u1ed3 s\u01a1 \u0111\u00fang t\u1edbi 99%, nh\u01b0ng 1% sai s\u00f3t s\u1ebd c\u00f3 th\u1ec3 th\u00e0nh t\u1ed9i ph\u1ea1m ???<\/strong><\/p>\n

Th\u1eddi gian g\u1ea7n \u0111\u00e2y, r\u1ea5t nhi\u1ec1u v\u1ee5 \u00e1n li\u00ean quan \u0111\u1ebfn t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng c\u00f3 d\u1ea5u hi\u1ec7u gia t\u0103ng v\u1edbi h\u00e0ng lo\u1ea1t nh\u1eefng v\u1ee5 \u00e1n \u0111\u00ecnh \u0111\u00e1m nh\u01b0: V\u1ee5 \u00e1n Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 t\u1ea1i Vietinbank, v\u1ee5 \u00e1n b\u1ea7u Ki\u00ean (Nguy\u1ec5n \u0110\u1ee9c Ki\u00ean) t\u1ea1i ACB, v\u1ee5 \u00e1n t\u1ea1i Ng\u00e2n h\u00e0ng x\u00e2y d\u1ef1ng Vi\u1ec7t Nam, v\u1ee5 \u00e1n xa\u0309y ra ta\u0323i Agribank,\u2026 g\u00e2y \u1ea3nh h\u01b0\u1edfng v\u00e0 t\u00e1c \u0111\u1ed9ng kh\u00f4ng nh\u1ecf t\u1edbi n\u1ec1n kinh t\u1ebf n\u01b0\u1edbc ta. \u00d4ng nh\u00ecn nh\u1eadn v\u00e0 \u0111\u00e1nh gi\u00e1 nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 lo\u1ea1i t\u1ed9i ph\u1ea1m n\u00e0y?<\/em><\/p>\n

C\u00f3 10 \u0111\u1ea1i \u00e1n kinh t\u1ebf \u0111\u00e3 v\u00e0 \u0111ang x\u1eed l\u00fd trong 2 n\u0103m qua, th\u00ec c\u00f3 t\u1edbi 9 v\u1ee5 li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng Lo\u1ea1i t\u1ed9i ph\u1ea1m li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng. L\u00fd do l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf li\u00ean quan, th\u1eadm ch\u00ed ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 giao d\u1ecbch vay v\u1ed1n v\u00e0 \u0111\u1ea7u t\u01b0. V\u00ec v\u1eady, ngo\u00e0i m\u1ed9t s\u1ed1 \u00edt v\u1ee5 vi\u1ec7c ch\u1ec9 x\u1ea3y ra trong ph\u1ea1m vi ng\u00e2n h\u00e0ng, c\u00f2n \u0111a s\u1ed1 l\u00e0 c\u00f3 y\u1ebfu t\u1ed1 ph\u1ea1m t\u1ed9i t\u1eeb b\u00ean ngo\u00e0i nh\u01b0ng li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y c\u0169ng ph\u1ea3n \u00e1nh t\u00ecnh tr\u1ea1ng \u00e1n kinh t\u1ebf ng\u00e0y c\u00e0ng gia t\u0103ng v\u00e0 ph\u1ee9c t\u1ea1p song h\u00e0nh v\u1edbi t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n v\u00e0 \u0111a d\u1ea1ng c\u1ee7a ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf, trong \u0111\u00f3 \u0111i\u1ec3n h\u00ecnh l\u00e0 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. Qua \u0111\u00e2y c\u0169ng cho th\u1ea5y, c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd v\u00e0 ph\u00f2ng ng\u1eeba vi ph\u1ea1m ph\u00e1p lu\u1eadt n\u00f3i chung, ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 n\u00f3i ri\u00eang \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf c\u00f2n ch\u01b0a th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c coi tr\u1ecdng v\u00e0 ch\u01b0a \u0111\u1ea1t hi\u1ec7u qu\u1ea3 trong th\u1eddi gian v\u1eeba qua.<\/p>\n

V\u1eeba qua, t\u1ea1i b\u00e1o c\u00e1o gi\u1ea3i tr\u00ecnh ch\u1ea5t v\u1ea5n t\u1ea1i phi\u00ean h\u1ecdp th\u1ee9 31 c\u1ee7a \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i ng\u00e0y 29\/9\/2014, Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam Nguy\u1ec5n V\u0103n B\u00ecnh cho bi\u1ebft: Vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng th\u1eddi gian qua l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng thu h\u1ed3i v\u1ed1n, t\u00e0i s\u1ea3n cho Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n, \u0111\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 l\u00e0m gia t\u0103ng chi ph\u00ed c\u01a1 c\u1ea5u l\u1ea1i. \u00d4ng c\u00f3 b\u00ecnh lu\u1eadn g\u00ec v\u1ec1 quan \u0111i\u1ec3m n\u00e0y c\u1ee7a Th\u1ed1ng \u0111\u1ed1c?<\/em><\/p>\n

X\u1eed l\u00fd h\u00ecnh s\u1ef1 ch\u1ec9 c\u00f3 t\u00e1c d\u1ee5ng thu h\u1ed3i nhanh ti\u1ec1n b\u1ea1c trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi ta c\u00f3 th\u1eeba kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. C\u00f2n \u0111a s\u1ed1 c\u00e1c v\u1ee5 vi\u1ec7c tr\u00ean th\u1ef1c t\u1ebf th\u00ec th\u01b0\u1eddng c\u00f3 k\u1ebft c\u1ee5c ng\u01b0\u1ee3c l\u1ea1i. N\u1ebfu kh\u1edfi t\u1ed1, b\u1eaft giam ng\u01b0\u1eddi c\u00f3 tr\u00e1ch nhi\u1ec7m, th\u00ec m\u1ed9t doanh nghi\u1ec7p \u0111ang s\u1ed1ng kho\u1ebb c\u0169ng th\u00e0nh ch\u1ebft, ch\u1ee9 n\u00f3i g\u00ec \u0111\u1ebfn vi\u1ec7c ng\u01b0\u1eddi ta \u0111ang r\u1ea5t kh\u00f3 kh\u0103n, h\u1ee5t tr\u01b0\u1edbc, thi\u1ebfu sau, ph\u1ea3i ng\u00e0y \u0111\u00eam lo l\u1eafng xoay x\u1edf, x\u1eed l\u00fd n\u1ee3 n\u1ea7n. Trong nh\u1eefng th\u1eddi k\u1ef3 kinh t\u1ebf suy tho\u00e1i n\u1eb7ng n\u1ec1 v\u00e0 k\u00e9o d\u00e0i nh\u01b0 hi\u1ec7n nay, th\u00ec c\u00e0ng th\u1ea5y cha \u00f4ng ch\u00fang ta kh\u00f4ng sai khi ch\u1ec9 d\u1ea1y r\u1eb1ng, c\u00f4ng n\u1ee3 tr\u1ea3 d\u1ea7n, ch\u00e1o h\u00fap v\u00f2ng quanh.<\/p>\n

Theo quan \u0111i\u1ec3m c\u1ee7a ca\u0301 nh\u00e2n \u00f4ng th\u00ec trong nh\u1eefng t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng b\u1ecb b\u1eaft v\u00e0 kh\u1edfi t\u1ed1 th\u1eddi gian qua, c\u00f3 v\u1ee5 \u00e1n n\u00e0o C\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u00e3 h\u00ecnh s\u1ef1 h\u00f3a kh\u00f4ng? \u00d4ng c\u00f3 ngh\u0129 n\u1ebfu kh\u00f4ng x\u1eed l\u00fd h\u00ecnh s\u1ef1 th\u00ec ch\u00fang ta c\u00f3 th\u1ec3 thu \u0111\u01b0\u1ee3c h\u1ed3i v\u1ed1n, t\u00e0i s\u1ea3n cho Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng?<\/em><\/p>\n

Th\u1ed1ng \u0111\u1ed1c \u0111\u00e3 ph\u1ea3i lo ng\u1ea1i t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 ho\u00e1, th\u00ec ch\u1eafc kh\u00f4ng ph\u1ea3i l\u00e0 v\u00f4 c\u0103n c\u1ee9. Theo ca\u0301n nh\u00e2n t\u00f4i, k\u1ec3 c\u1ea3 c\u00e1c \u0111\u1ea1i \u00e1n kinh t\u1ebf v\u1eeba qua, c\u0169ng c\u00f3 d\u1ea5u hi\u1ec7u h\u00ecnh s\u1ef1 ho\u00e1, \u00edt nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng. R\u1ea5t \u0111\u00e1ng lo ng\u1ea1i, n\u1ebfu nh\u01b0 k\u1ebft t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i, m\u00e0 trong \u0111\u1ea7u ng\u01b0\u1eddi ta ch\u01b0a bao gi\u1edd c\u1ed1 \u00fd, th\u1eadm ch\u00ed ch\u01b0a bao gi\u1edd ngh\u0129 r\u1eb1ng c\u00f3 \u0111i\u1ec1u g\u00ec sai tr\u00e1i. Tuy nhi\u00ean, Th\u1ed1ng \u0111\u1ed1c n\u00f3i th\u1ebf, nh\u01b0ng ch\u01b0a th\u1ea5y NHNN l\u00ean ti\u1ebfng v\u1ec1 v\u1ee5 vi\u1ec7c c\u1ee5 th\u1ec3 n\u00e0o k\u1ebft t\u1ed9i c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng kh\u00f4ng d\u1ef1a tr\u00ean nh\u1eefng c\u01a1 s\u1edf r\u00f5 r\u00e0ng, ch\u1eafc ch\u1eafn. \u0110\u1eb7c bi\u1ec7t l\u00e0 trong c\u00e1c v\u1ee5 x\u1eed t\u1ed9i k\u1ebb l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng, th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 ph\u1ea3i c\u00f3 ng\u01b0\u1eddi b\u1ecb l\u1eeba. N\u1ea1n nh\u00e2n kh\u00f4ng th\u1ec3 l\u00e0 ng\u00e2n h\u00e0ng chung chung, m\u00e0 ph\u1ea3i l\u00e0 nh\u1eefng c\u00e1n b\u1ed9, nh\u00e2n vi\u00ean b\u1eb1ng da, b\u1eb1ng th\u1ecbt, tr\u1ef1c ti\u1ebfp tham gia giao d\u1ecbch. H\u1ecd ch\u00ednh l\u00e0 n\u1ea1n nh\u00e2n th\u1ef1c s\u1ef1, l\u00e0 nh\u1eefng ng\u01b0\u1eddi b\u1ecb t\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o. Nh\u01b0ng d\u01b0\u1eddng nh\u01b0 c\u00f3 nh\u1eefng ngh\u1ecbch l\u00fd \u0111ang b\u1ecb coi l\u00e0 hi\u1ec3n nhi\u00ean, \u0111\u00f3 l\u00e0 lu\u00f4n ph\u1ea3i c\u00f3 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u201c\u0111\u1ed3ng h\u00e0nh\u201d v\u1edbi t\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o. \u0110\u00e1ng l\u1ebd, h\u1ecd ch\u1ec9 c\u00f3 t\u1ed9i trong tr\u01b0\u1eddng h\u1ee3p c\u1ed1 t\u00ecnh l\u00e0m sai nh\u01b0 \u0111\u1ed3ng ph\u1ea1m v\u1edbi t\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o ho\u1eb7c v\u00ec tham nh\u0169ng m\u00e0 \u201cn\u1ed1i gi\u00e1o cho gi\u1eb7c\u201d. Nh\u01b0ng th\u1ef1c t\u1ebf, khi ti\u1ec1n t\u1ef7 m\u1ea5t m\u00e1t th\u00ec h\u1ecd r\u1ea5t kh\u00f3 tho\u00e1t kh\u1ecfi m\u1ed9t lo\u1ea1t t\u1ed9i bao v\u00e2y nh\u01b0, vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 cho vay, hay t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i, ho\u1eb7c t\u1ed9i thi\u1ebfu tr\u00e1ch nhi\u1ec7m g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng.<\/p>\n

Kinh doanh lu\u00f4n g\u1eafn li\u1ec1n v\u1edbi r\u1ee7i ro. Kinh doanh ng\u00e2n h\u00e0ng c\u00e0ng nhi\u1ec1u r\u1ee7i ro. Nh\u01b0ng th\u1eadt h\u00e3i h\u00f9ng n\u1ebfu c\u1ee9 r\u1ee7i ro m\u1ea5t ti\u1ec1n l\u00e0 \u0111ang \u0111\u1ed3ng ngh\u0129a v\u1edbi nguy c\u01a1 c\u00f3 t\u1ed9i. Th\u1eed h\u1ecfi c\u00f2n g\u00ec v\u00f4 l\u00fd v\u00e0 nguy hi\u1ec3m h\u01a1n, khi x\u1eed l\u00fd hai kho\u1ea3n vay y trang nhau, c\u1ea3 \u00fd ch\u00ed v\u00e0 h\u00e0nh vi \u0111\u1ec1u gi\u1ed1ng nhau, nh\u01b0ng h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd th\u00ec l\u1ea1i c\u00f3 th\u1ec3 kh\u00e1c nhau m\u1ed9t tr\u1eddi, m\u1ed9t v\u1ef1c. N\u1ebfu ng\u01b0\u1eddi vay tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean t\u00f4i kh\u00f4ng ph\u1ea1m t\u1ed9i, kh\u00f4ng nh\u1eefng th\u1ebf, t\u00f4i c\u00f2n c\u00f3 c\u00f4ng. Nh\u01b0ng n\u1ebfu h\u1ecd kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, d\u00f9 l\u00e0 nguy\u00ean nh\u00e2n ch\u1ee7 quan hay kh\u00e1ch quan, th\u00ec t\u1ef1 d\u01b0ng t\u00f4i tr\u1edf th\u00e0nh t\u1ed9i ph\u1ea1m, v\u00ec c\u00f3 h\u1eadu qu\u1ea3 l\u00e0 \u0111\u00e3 m\u1ea5t, th\u1eadm ch\u00ed m\u1edbi ch\u1ec9 l\u00e0 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n. V\u1eady th\u00ec c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng kh\u00e1c n\u00e0o nh\u01b0 c\u00e1 n\u1eb1m tr\u00ean th\u1edbt, nh\u01b0 t\u00f9 nh\u00e2n d\u1ef1 b\u1ecb? Ai d\u00e1m kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng m\u00ecnh kh\u00f4ng ph\u1ea1m t\u1ed9i, n\u1ebfu ch\u01b0a thu h\u1ed3i \u0111\u01b0\u1ee3c v\u1ed1n vay? L\u00e0m sao c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng d\u00e1m m\u1ea1nh d\u1ea1n cho vay v\u00e0 ng\u00e2n h\u00e0ng d\u00e1m ch\u1ea5p nh\u1eadn r\u1ee7i ro trong kinh doanh. H\u1ed3 s\u01a1 cho d\u00f9 \u0111\u00fang t\u1edbi 99%, nh\u01b0ng ch\u1ec9 c\u1ea7n 1% sai s\u00f3t l\u00e0 \u0111\u00e3 c\u00f3 th\u1ec3 th\u00e0nh t\u1ed9i ph\u1ea1m. \u0110\u00e2y l\u00e0 c\u00e2u chuy\u1ec7n th\u1ef1c t\u1ebf \u0111ang nh\u1ee9c nh\u1ed1i v\u00e0 kh\u1ee7ng khi\u1ebfp nh\u01b0 th\u1ebf. V\u00ec v\u1eady, c\u1ea7n nh\u00ecn nh\u1eadn v\u00e0 x\u1eed l\u00fd kh\u00e1ch quan h\u01a1n, t\u1eadp trung v\u00e0o tr\u1eebng tr\u1ecb k\u1ebb tr\u1ed9m c\u1eafp thay v\u00ec c\u1ee9 b\u1eaft l\u1ed7i ng\u01b0\u1eddi m\u1ea5t tr\u1ed9m.<\/p>\n

C\u00f2n vi\u1ec7c x\u1eed l\u00fd h\u00ecnh s\u1ef1 \u0111\u1ec3 thu h\u1ed3i t\u1ea3i s\u1ea3n, th\u00ec th\u1ef1c t\u1ebf \u0111\u00e3 cho th\u1ea5y, nhi\u1ec1u v\u1ee5 \u00e1n \u0111\u00e3 x\u1eed l\u00fd h\u00ecnh s\u1ef1 nh\u01b0ng c\u0169ng kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c bao nhi\u00eau v\u1ed1n, t\u00e0i s\u1ea3n cho nh\u00e0 n\u01b0\u1edbc. Nh\u01b0 v\u1eady, \u0111\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea3i ph\u00e1p hi\u1ec7u qu\u1ea3 \u0111\u1ec3 kh\u1eafc ph\u1ee5c t\u00ecnh tr\u1ea1ng th\u1ea5t tho\u00e1t ta\u0300i sa\u0309n.<\/p>\n

H\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf, d\u00e2n s\u1ef1 \u0111ang \u1edf m\u1ee9c b\u00e1o \u0111\u1ed9ng ???<\/strong><\/p>\n

Theo nh\u01b0 t\u00f4i \u0111\u01b0\u1ee3c hi\u1ec3u th\u00ec vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a m\u1ed9t v\u1ea5n \u0111\u1ec1 kinh t\u1ebf ho\u1eb7c v\u1ea5n \u0111\u1ec1 d\u00e2n s\u1ef1 c\u0169ng l\u00e0 m\u1ed9t h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt, cho n\u00ean \u1edf \u0111\u00e2y c\u00f3 m\u1ed9t m\u00e2u thu\u1eabn \u0111\u1eb7t ra trong quan \u0111i\u1ec3m c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. N\u1ebfu v\u1ee5 vi\u1ec7c \u0111\u1ebfn m\u1ee9c ph\u1ea3i truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 th\u00ec kh\u00f4ng th\u1ec3 kh\u00f4ng truy c\u1ee9u nh\u01b0ng ch\u00fang ta ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p n\u00e0o \u0111\u00f3 \u0111\u1ec3 thu h\u1ed3i t\u00e0i s\u1ea3n ch\u1ee9. Th\u1ee9 hai, n\u1ebfu ph\u1ea3i truy c\u1ee9u m\u00e0 kh\u00f4ng truy c\u1ee9u v\u00ec m\u1ee5c \u0111\u00edch thu h\u1ed3i t\u00e0i s\u1ea3n, li\u1ec7u c\u00f3 b\u1ecf l\u1ecdt t\u1ed9i ph\u1ea1m kh\u00f4ng? Xin \u00f4ng b\u00ecnh lu\u1eadn s\u00e2u v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/p>\n

T\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf, d\u00e2n s\u1ef1 \u0111ang \u1edf m\u1ee9c b\u00e1o \u0111\u1ed9ng trong th\u1eddi gian v\u1eeba qua v\u00e0 ch\u01b0a th\u1ea5y c\u00f3 d\u1ea5u hi\u1ec7u gi\u1ea3m xu\u1ed1ng. T\u00ecnh tr\u1ea1ng n\u00e0y c\u0169ng th\u01b0\u1eddng \u0111i \u0111\u00f4i v\u1edbi vi\u1ec7c x\u1eed ph\u1ea1t oan sai, b\u1ea5t c\u00f4ng ng\u01b0\u1eddi d\u00e2n n\u00f3i chung v\u00e0 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang. Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p c\u00f3 d\u1ea5u hi\u1ec7u oan sai, m\u00e0 m\u1ee9c \u0111\u1ed9 th\u1ea5p nh\u1ea5t l\u00e0 ch\u01b0a \u0111\u1ebfn m\u1ee9c c\u1ea7n thi\u1ebft ph\u1ea3i x\u1eed l\u00fd h\u00ecnh s\u1ef1, m\u00e0 ch\u1ec9 c\u1ea7n x\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c kinh t\u1ebf, d\u1ea5u hi\u1ec7u oan sai do h\u00ecnh s\u1ef1 ho\u00e1 r\u1ea5t kh\u00f3 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng, ch\u00ednh x\u00e1c, v\u00ec ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh kh\u00f4ng \u0111\u01a1n gi\u1ea3n l\u00e0 m\u1ed9t c\u1ed9ng m\u1ed9t b\u1eb1ng hai. Nh\u01b0ng h\u00e3y so s\u00e1nh v\u1edbi c\u00e1c v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 tr\u1ecb an th\u00ec c\u00f3 th\u1ec3 suy lu\u1eadn ra t\u00ednh ch\u1ea5t nghi\u00eam tr\u1ecdng v\u00e0 ph\u1ee9c t\u1ea1p c\u1ee7a v\u1ea5n \u0111\u1ec1. \u0110i\u1ec3n h\u00ecnh nh\u01b0 m\u1ea5y v\u1ee5 g\u1ea7n \u0111\u00e2y, 7 thanh ni\u00ean b\u1ecb b\u1eaft giam t\u1ed9i gi\u1ebft ng\u01b0\u1eddi, c\u01b0\u1edbp c\u1ee7a v\u00e0 v\u1ee5 \u00f4ng Nguy\u1ec5n Thanh Ch\u1ea5n ph\u1ea3i ng\u1ed3i t\u00f9 10 n\u0103m oan sai v\u1ec1 t\u1ed9i gi\u1ebft ng\u01b0\u1eddi. R\u1ed3i m\u1edbi nh\u1ea5t l\u00e0 vi\u1ec7c kh\u00e1ng ngh\u1ecb c\u1ee7a Vi\u1ec7n ki\u1ec3m s\u00e1t nh\u00e2n d\u00e2n t\u1ed1i cao \u0111\u1ed1i v\u1edbi \u00f4ng Hu\u1ef3nh V\u0103n N\u00e9n \u0111ang ch\u1ea5p h\u00e0nh \u00e1n t\u00f9 chung th\u00e2n, \u0111\u00e3 b\u1ecb t\u00f9 16 n\u0103m v\u1ec1 t\u1ed9i gi\u1ebft ng\u01b0\u1eddi nh\u01b0ng c\u00f3 d\u1ea5u hi\u1ec7u oan sai. Nh\u1eefng v\u1ee5 nh\u01b0 v\u1eady, ng\u01b0\u1eddi ta kh\u00f4ng d\u00ednh d\u00e1ng g\u00ec \u0111\u1ebfn t\u1ed9i ph\u1ea1m m\u00e0 c\u00f2n b\u1ecb kh\u1edfi t\u1ed1, truy t\u1ed1, x\u00e9t v\u1ec1 c\u00e1c t\u1ed9i \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng.[1]<\/strong><\/a><\/em><\/p>\n

V\u1eady m\u00e0 trong ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf, v\u1edbi h\u00e0ng ng\u00e0n giao d\u1ecbch, h\u00e0ng tr\u0103m ch\u1eef k\u00fd, h\u00e0ng ch\u1ee5c gi\u1ea5y t\u1edd,\u2026 th\u00ec li\u1ec7u d\u1ec5 g\u00ec m\u00e0 c\u00e3i r\u1eb1ng t\u00f4i kh\u00f4ng li\u00ean quan, kh\u00f4ng s\u01a1 su\u1ea5t, kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 thi\u1ebfu s\u00f3t g\u00ec? V\u1ec1 nguy\u00ean t\u1eafc, ch\u1ec9 ph\u1ea1m t\u1ed9i khi vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt t\u1eeb Th\u00f4ng t\u01b0 tr\u1edf l\u00ean. Nh\u01b0ng hi\u1ec7n nay th\u00ec nhi\u1ec1u khi kh\u00f4ng bi\u1ebft th\u1ebf n\u00e0o l\u00e0 \u0111\u00fang, th\u1ebf n\u00e0o l\u00e0 sai, khi n\u00e0o c\u00f3 t\u1ed9i, khi n\u00e0o v\u00f4 t\u1ed9i v\u00e0 ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o. Nhi\u1ec1u v\u1ee5 \u00e1n tr\u00ean th\u1ef1c t\u1ebf, \u0111\u01a1n c\u1eed nh\u01b0 v\u1ee5 Huy\u1ec1n Nh\u01b0, ph\u00e1p lu\u1eadt \u0111\u00e3 k\u1ebft t\u1ed9i c\u00e1n b\u1ed9 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a n\u1ed9i b\u1ed9 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a NHNN hay Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Ngo\u00e0i ra, nh\u1eefng quy \u0111\u1ecbnh b\u1ea5t h\u1ee3p l\u00fd, thi\u1ebfu minh b\u1ea1ch, kh\u00f4ng r\u00f5 r\u00e0ng c\u1ee7a NHNN c\u0169ng l\u00e0 nh\u1eefng c\u00e1i b\u1eaby g\u00e2y ra nguy hi\u1ec3m v\u00e0 oan sai \u0111\u1ed1i v\u1edbi c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng.<\/p>\n

Nh\u01b0 \u00f4ng v\u1eeba n\u00f3i, \u201chi\u1ec7n nay th\u00ec nhi\u1ec1u khi kh\u00f4ng bi\u1ebft th\u1ebf n\u00e0o l\u00e0 \u0111\u00fang, th\u1ebf n\u00e0o l\u00e0 sai, khi n\u00e0o c\u00f3 t\u1ed9i, khi n\u00e0o v\u00f4 t\u1ed9i v\u00e0 ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o\u201d. \u00d4ng c\u00f3 ngh\u0129, nguy\u00ean nh\u00e2n l\u00e0 do con ng\u01b0\u1eddi hay do c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch ph\u00e1p lu\u1eadt l\u00f4\u0303i th\u01a1\u0300i, b\u00e2\u0301t c\u00e2\u0323p g\u00e2y ra? Xin \u00f4ng d\u1eabn ch\u1ee9ng m\u1ed9t v\u00e0i v\u00ed d\u1ee5 c\u1ee5 th\u1ec3?<\/em><\/p>\n

Nguy\u00ean nh\u00e2n l\u00e0 c\u1ea3 t\u1eeb ph\u00eda quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt kh\u00f4ng r\u00f5 r\u00e0ng v\u00e0 c\u1ea3 do c\u00e1ch hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt c\u1ee7a con ng\u01b0\u1eddi trong c\u00e1c c\u01a1 quan b\u1ea3o v\u1ec7 ph\u00e1p lu\u1eadt. Ch\u1eb3ng h\u1ea1n, x\u01b0a nay t\u1ea5t c\u1ea3 c\u00e1c doanh nghi\u1ec7p \u0111\u1ec1u t\u1ef1 do mua b\u00e1n c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu kh\u00f4ng ph\u1ea3i ph\u00e9p t\u1eafc hay \u0111\u0103ng k\u00fd kinh doanh, nh\u01b0ng qua m\u00f4\u0323t v\u1ee5 \u0110\u1ea1i \u00e1n \u0111a\u0303 \u0111\u01b0\u01a1\u0323c xe\u0301t x\u01b0\u0309, th\u00ec t\u1ea5t c\u1ea3 \u0111\u1ec1u run s\u1ee3, v\u00ec vi\u1ec7c l\u00e0m l\u00e2u nay \u0111inh ninh l\u00e0 \u0111\u00fang l\u1ea1i c\u00f3 th\u1ec3 ph\u1ea1m t\u1ed9i kinh doanh tr\u00e1i ph\u00e9p. Hay t\u1ed9i ho\u1eb7c t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD\u201d, th\u00ec B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 ch\u1ec9 x\u00e1c \u0111\u1ecbnh 2 h\u00e0nh vi c\u00f3 t\u1ed9i l\u00e0 \u201cCho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 \u201cCho vay qu\u00e1 gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh\u201d. Trong khi \u0111\u00f3 c\u00f3 l\u1ebd 99% ng\u01b0\u1eddi b\u1ecb k\u1ebft t\u1ed9i n\u00e0y th\u00ec b\u1ecb nh\u00e9t h\u1ebft v\u00e0o c\u00e1i r\u1ecd c\u00f3 \u201cH\u00e0nh vi kh\u00e1c vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 cho vay trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng.\u201d<\/p>\n

Va\u0300 theo t\u00f4i, \u201cm\u00eanh m\u00f4ng\u201d nh\u1ea5t ph\u1ea3i k\u1ec3 \u0111\u1ebfn l\u00e0 t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 n\u01b0\u1edbc v\u1ec1 qu\u1ea3n l\u00fd kinh t\u1ebf v\u00e0 thi\u1ebfu tr\u00e1ch nhi\u1ec7m g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng, th\u00ec c\u00f3 th\u1ebf b\u1eaft t\u1ed9i b\u1ea5t c\u1ee9 ng\u01b0\u1eddi n\u00e0o li\u00ean quan ??? C\u00e2u h\u1ecfi \u0111\u1eb7t ra lu\u00f4n c\u00f3 nhi\u1ec1u \u0111\u00e1p \u00e1n, \u0111\u00f3 l\u00e0 vi ph\u1ea1m c\u00e1i g\u00ec, vi ph\u1ea1m \u0111\u1ebfn \u0111\u00e2u th\u00ec l\u00e0 m\u1ea1nh d\u1ea1n, linh ho\u1ea1t, s\u00e1ng t\u1ea1o v\u00e0 v\u01b0\u1ee3t qu\u00e1 th\u1ebf n\u00e0o l\u00e0 vi ph\u1ea1m h\u00e0nh ch\u00ednh, r\u1ed3i l\u00e0 ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1? Hay l\u00e1ch lu\u1eadt th\u00ec r\u00f5 r\u00e0ng l\u00e0 kh\u00f4ng ph\u1ea1m lu\u1eadt (v\u00ec kh\u00f4ng k\u1ebft lu\u1eadn \u0111\u01b0\u1ee3c l\u00e0 ph\u1ea1m lu\u1eadt, th\u00ec ng\u01b0\u1eddi ta m\u1edbi n\u00f3i l\u00e0 l\u00e1ch lu\u1eadt). Tuy nhi\u00ean, n\u1ebfu \u0111\u1eb7t vi\u1ec7c l\u00e1ch lu\u1eadt trong m\u1ed1i quan h\u1ec7 ph\u00e1p lu\u1eadt kinh t\u1ebf, d\u00e2n s\u1ef1 hay h\u00e0nh ch\u00ednh, th\u00ec kh\u00f3 c\u00f3 th\u1ec3 b\u1eaft b\u1ebb sai ph\u1ea1m hay x\u1eed ph\u1ea1t. Nh\u01b0ng n\u1ebfu x\u00e9t n\u00f3 trong m\u1ed1i quan h\u1ec7 ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1, th\u00ec \u0111\u1ea5y l\u00e0 m\u1ed9t c\u00e1i b\u1eaby ph\u00e1p l\u00fd v\u00f4 c\u00f9ng nguy hi\u1ec3m v\u00e0 lu\u00f4n t\u1ea1o ra s\u1ef1 tranh c\u00e3i k\u1ecbch t\u00ednh.<\/p>\n

\u00d4ng c\u0169ng cho r\u1eb1ng, nh\u1eefng quy \u0111\u1ecbnh b\u1ea5t h\u1ee3p l\u00fd, thi\u1ebfu minh b\u1ea1ch, kh\u00f4ng r\u00f5 r\u00e0ng c\u1ee7a NHNN c\u0169ng l\u00e0 nh\u1eefng c\u00e1i b\u1eaby g\u00e2y ra nguy hi\u1ec3m v\u00e0 oan sai \u0111\u1ed1i v\u1edbi c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng. Xin \u00f4ng d\u1eabn ch\u1ee9ng c\u1ee5 th\u1ec3 \u0111\u1ec3 l\u00e0m r\u00f5 h\u01a1n v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u01b0\u1ee3c kh\u00f4ng?<\/em><\/p>\n

V\u00ed d\u1ee5 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c u\u1ef7 th\u00e1c c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. U\u1ef7 th\u00e1c cho vay th\u00ec c\u00f3 quy \u0111\u1ecbnh ri\u00eang t\u1eeb tr\u01b0\u1edbc khi c\u00f3 Lu\u1eadt C\u00e1c TCTD n\u0103m 2010. Nh\u01b0ng ho\u1ea1t \u0111\u1ed9ng u\u1ef7 th\u00e1c kh\u00e1c kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t ng\u00e0nh ngh\u1ec1, l\u0129nh v\u1ef1c kinh doanh v\u00e0 kh\u00f4ng r\u1ee7i ro cao nh\u01b0 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u00ean kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh, kh\u00f4ng c\u1ea7n qu\u1ea3n l\u00fd. Kh\u00f4ng t\u00ecm th\u1ea5y b\u1ea5t c\u1ee9 quy \u0111\u1ecbnh hay c\u00e2u ch\u1eef n\u00e0o ng\u0103n c\u1ea5m, h\u1ea1n ch\u1ebf hay h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 TCTD th\u1ef1c hi\u1ec7n \u1ee7y th\u00e1c ngo\u00e0i cho vay, k\u1ec3 c\u1ea3 c\u00e1c b\u00e1o c\u00e1o, t\u1edd tr\u00ecnh x\u00e2y d\u1ef1ng Lu\u1eadt C\u00e1c TCTD. Ch\u1ec9 sau khi x\u1ea3y ra v\u1ee5 \u00e1n Huy\u1ec1n Nh\u01b0 v\u00e0o cu\u1ed1i n\u0103m 2011, th\u00ec NHNN m\u1edbi b\u1ed5 sung m\u1ed9t v\u00e0i c\u00e2u v\u00e0o Th\u00f4ng t\u01b0 s\u1ed1 04\/2012\/TT-NHNN ng\u00e0y 08-3-2012 Quy \u0111\u1ecbnh v\u1ec1 nghi\u1ec7p v\u1ee5 nh\u1eadn u\u1ef7 th\u00e1c v\u00e0 u\u1ef7 th\u00e1c c\u1ee7a TCTD. Nh\u01b0ng n\u1ed9i dung ho\u00e0n to\u00e0n kh\u00f4ng r\u00f5 r\u00e0ng v\u1ec1 c\u00e1c lo\u1ea1i \u1ee7y th\u00e1c kh\u00e1c ngo\u00e0i cho vay. Cho \u0111\u1ebfn t\u1eadn h\u00f4m nay, trang web c\u1ee7a NHNN v\u00e0 trang C\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, c\u00f4ng b\u1ed1 115 b\u1ed9 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh thu\u1ed9c ph\u1ea1m vi NHNN, c\u0169ng kh\u00f4ng h\u1ec1 c\u00f3 th\u1ee7 t\u1ee5c n\u00e0o c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng \u1ee7y th\u00e1c n\u00f3i chung v\u00e0 \u1ee7y th\u00e1c ngo\u00e0i \u1ee7y th\u00e1c cho vay n\u00f3i ri\u00eang. T\u1eeb \u0111\u00f3, m\u1ed9t lo\u1ea1t c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng b\u1ecb ph\u1ea1t t\u00f9 v\u00ec cho r\u1eb1ng vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 u\u1ef7 th\u00e1c. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 u\u1ef7 th\u00e1c, Lu\u1eadt C\u00e1c TCTD c\u0169ng quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN, nh\u01b0ng t\u1eeb x\u01b0a \u0111\u1ebfn nay v\u1eabn ch\u01b0a c\u00f3 h\u01b0\u1edbng d\u1eabn v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111\u1ea1i l\u00fd, trong khi t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng \u0111ang giao d\u1ecbch \u0111\u1ea1i l\u00fd v\u1edbi h\u00e0ng ngh\u00ecn ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc v\u00e0 th\u1ebf gi\u1edbi.<\/p>\n

C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, hi\u1ec7n nay khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 d\u00e2n s\u1ef1, kinh t\u1ebf, \u0111\u1ea7u t\u01b0, t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng c\u00f2n ch\u01b0a r\u00f5 r\u00e0ng, \u0111\u1ed3ng b\u1ed9; c\u01a1 ch\u1ebf th\u1ef1c thi ph\u00e1p lu\u1eadt c\u00f3 n\u01a1i, c\u00f3 l\u00fac ch\u01b0a b\u1ea3o \u0111\u1ea3m nghi\u00eam minh, c\u00f4ng b\u1eb1ng, \u0111\u1eb7c bi\u1ec7t ch\u01b0a b\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3. Tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c x\u1eed l\u00fd t\u00e0i s\u1ea3n, t\u1ed1 t\u1ee5ng v\u00e0 thi h\u00e0nh \u00e1n ph\u1ee9c t\u1ea1p, k\u00e9o d\u00e0i g\u00e2y t\u1ed1n k\u00e9m th\u1eddi gian v\u00e0 chi ph\u00ed cho T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u1edbi nh\u1eefng kinh nghi\u1ec7m th\u1ef1c t\u1ebf tham gia t\u01b0 v\u1ea5n, tranh t\u1ee5ng c\u00e1c v\u1ee5 \u00e1n li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, \u00f4ng c\u00f3 th\u1ec3 ch\u1ec9 ra nh\u1eefng k\u1ebb h\u1ee1 d\u1eabn t\u1edbi t\u1ed9i ph\u1ea1m trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng hi\u1ec7n nay. \u0110\u1eb7c bi\u1ec7t nh\u1eefng b\u1ea5t c\u1eadp, l\u1ed7 h\u1ed5ng trong v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd, thu h\u1ed3i t\u00e0i s\u1ea3n do t\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng g\u00e2y ra?<\/em><\/p>\n

C\u00f3 th\u1ec3 n\u00f3i l\u00e0 k\u1ebd h\u1edf hay k\u00edn k\u1ebd, ch\u1eb7t ch\u1ebd qu\u00e1 th\u00ec c\u0169ng \u0111\u1ec1u l\u00e0 s\u1ef1 b\u1ea5t c\u1eadp. Th\u1ee9 nh\u1ea5t, \u0111\u1ed1i v\u1edbi t\u1ed9i ph\u1ea1m mang t\u00ednh ch\u1ea5t kinh t\u1ebf, th\u00ec c\u1ea7n ph\u1ea3i \u01b0u ti\u00ean cho vi\u1ec7c x\u1eed l\u00fd, kh\u1eafc ph\u1ee5c h\u1eadu qu\u1ea3 kinh t\u1ebf. Ch\u1eb3ng h\u1ea1n ch\u1ec9 ph\u1ea1t ti\u1ec1n v\u00e0 mi\u1ec5n h\u00ecnh ph\u1ea1t t\u00f9 cho ng\u01b0\u1eddi \u0111\u00e3 b\u1ed3i th\u01b0\u1eddng \u0111\u1ea7y \u0111\u1ee7, th\u00ec ch\u1eafc l\u00e0 c\u00f3 hi\u1ec7u qu\u1ea3, t\u00e1c d\u1ee5ng h\u01a1n nhi\u1ec1u vi\u1ec7c ph\u1ea1t t\u00f9. Th\u1ee9 hai, s\u1ef1 qu\u1ea3n l\u00fd y\u1ebfu k\u00e9m, \u0111\u1ec3 m\u1eb7c \u0111\u1ed3ng ti\u1ec1n lu\u1ed3n l\u00e1ch, th\u1ea5t tho\u00e1t. H\u00e0ng tr\u0103m, h\u00e0ng ng\u00e0n t\u1ef7 \u0111\u1ed3ng \u0111i \u0111\u00e2u, v\u1ec1 \u0111\u00e2u, kh\u00f4ng ai bi\u1ebft trong m\u1ed9t s\u1ed1 v\u1ee5 \u00e1n? Khi x\u1ea3y ra v\u1ee5 \u00e1n, th\u00ec c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt c\u0169ng ch\u1ec9 k\u1ebft lu\u1eadn l\u00e0 kh\u00f4ng x\u00e1c \u0111\u1ecbnh v\u00e0 thu h\u1ed3i \u0111\u01b0\u1ee3c. Nh\u01b0 v\u1eady, k\u1ebft t\u1ed9i b\u1ecb c\u00e1o ch\u1ec9 m\u1edbi l\u00e0 ph\u1ea7n n\u1ed5i, c\u00f2n ph\u1ea7n ch\u00ecm c\u1ee7a t\u00e0i s\u1ea3n \u0111ang \u1edf \u0111\u00e2u \u0111\u00f3 do ai \u0111\u00f3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng. Th\u1ebf l\u00e0 b\u1ecf l\u1ecdt m\u00e3i m\u00e3i ph\u1ea7n t\u00e0i s\u1ea3n b\u1ea5t h\u1ee3p ph\u00e1p ngo\u00e0i v\u00f2ng ph\u00e1p lu\u1eadt. Th\u1ee9 ba, x\u1eed l\u00fd vi ph\u1ea1m kh\u00f4ng c\u00f3 t\u00e1c d\u1ee5ng r\u0103n \u0111e vi ph\u1ea1m, th\u1eadm ch\u00ed c\u00f2n gi\u00e1n ti\u1ebfp khuy\u1ebfn kh\u00edch vi ph\u1ea1m. Ng\u01b0\u1eddi ph\u1ea1m ph\u00e1p nhi\u1ec1u khi l\u1ea1i c\u00f3 l\u1ee3i h\u01a1n l\u00e0 ch\u1ea5p h\u00e0nh \u0111\u00fang ph\u00e1p lu\u1eadt. Ch\u1eb3ng h\u1ea1n vi\u1ec7c cho vay n\u1eb7ng l\u00e3i, v\u1edbi gi\u1ea3i l\u00e3i su\u1ea5t m\u00eanh m\u00f4ng, kh\u00f4ng h\u1ec1 c\u00f3 m\u1ee9c n\u00e0o b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh. Trong v\u1ee5 \u0111\u1ea1i \u00e1n si\u00eau l\u1eeba Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0, b\u00ean c\u1ea1nh 5 ng\u01b0\u1eddi b\u1ecb truy t\u1ed1 v\u00e0 x\u00e9t x\u1eed v\u1ec1 t\u1ed9i cho vay l\u00e3i n\u1eb7ng do \u0111\u00e3 cho vay v\u01b0\u1ee3t qu\u00e1 10 l\u1ea7n l\u00e3i su\u1ea5t cao nh\u1ea5t do NHNN quy \u0111\u1ecbnh, th\u00ec c\u00f2n c\u00f3 15 ng\u01b0\u1eddi kh\u00e1c cho vay l\u00e3i n\u1eb7ng, v\u1edbi s\u1ed1 ti\u1ec1n l\u00ean \u0111\u1ebfn h\u00e0ng ng\u00e0n t\u1ef7 \u0111\u1ed3ng v\u00e0 thu l\u1ee3i v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t h\u00e0ng tr\u0103m t\u1ef7 \u0111\u1ed3ng, nh\u01b0ng l\u1ea1i kh\u00f4ng b\u1ecb kh\u1edfi t\u1ed1 v\u1ec1 t\u1ed9i cho vay l\u00e3i n\u1eb7ng. Nh\u01b0 v\u1eady, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y c\u0169ng nh\u01b0 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, nh\u1ea5t l\u00e0 cho vay ch\u01b0a v\u01b0\u1ee3t 10 l\u1ea7n l\u00e3i su\u1ea5t cao nh\u1ea5t do NHNN quy \u0111\u1ecbnh, th\u00ec kh\u00f4ng nh\u1eefng ch\u1eb3ng b\u1ecb x\u1eed ph\u1ea1t h\u00ecnh s\u1ef1, m\u00e0 c\u00f2n kh\u00f4ng b\u1ecb x\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh, \u0111\u1ed3ng th\u1eddi c\u0169ng kh\u00f4ng h\u1ec1 b\u1ecb t\u1ecbch thu ph\u1ea7n thu l\u1ee3i b\u1ea5t ch\u00ednh. B\u00ean c\u1ea1nh \u0111\u00f3, kho\u1ea3n thu l\u1ee3i b\u1ea5t ch\u00ednh t\u1eeb cho vay l\u00e3i n\u1eb7ng h\u01a1n 1.500 t\u1ef7 \u0111\u1ed3ng c\u1ee7a c\u00e1c b\u1ecb c\u00e1o trong v\u1ee5 n\u00e0y v\u1ec1 b\u1ea3n ch\u1ea5t l\u00e0 tang v\u1eadt, l\u00e0 ti\u1ec1n r\u00fat ru\u1ed9t t\u1eeb ng\u00e2n h\u00e0ng, \u0111\u00e1ng l\u1ebd ph\u1ea3i \u0111\u01b0\u1ee3c tr\u1ea3 l\u1ea1i h\u1ecd \u0111\u1ec3 kh\u1eafc ph\u1ee5c h\u1eadu qu\u1ea3, nh\u01b0ng l\u1ea1i b\u1ecb xung v\u00e0o c\u00f4ng qu\u1ef9 nh\u00e0 n\u01b0\u1edbc. H\u1eadu qu\u1ea3 l\u00e0 kh\u00f4ng bao gi\u1edd thu h\u1ed3i \u0111\u01b0\u1ee3c m\u1ea5y ngh\u00ecn t\u1ef7 \u0111\u1ed3ng th\u1ea5t tho\u00e1t c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

Xin tr\u00e2n tr\u1ecdng c\u1ea3m \u01a1n \u00f4ng!<\/em><\/p>\n

[1]<\/a> \u00a0\u00a0\u00a0 \u0110o\u1ea1n g\u1ed1c \u0111\u00e3 b\u1ecb c\u1eaft b\u1edbt.<\/p>\n

V\u0103n Don (th\u01b0\u0323c hi\u00ea\u0323n)<\/strong><\/p>\n

——————<\/p>\n

T\u1ea1p ch\u00ed Ph\u00e1p l\u00fd (Di\u1ec5n \u0111\u00e0n) 02-10-2014:<\/em><\/strong><\/p>\n

http:\/\/phaply.net.vn\/dien-dan\/co-hay-khong-vie%CC%A3c-hinh-su-hoa-trong-li%CC%83nh-vu%CC%A3c-ngan-hang-va-nhu%CC%83ng-bie%CC%A3n-phap-thao-go%CC%83-bai-1.html<\/em><\/p>\n

(3.222\/3.640)<\/em>","protected":false},"excerpt":{"rendered":"

(PL) \u2013 V\u1eeba qua, t\u1ea1i b\u00e1o c\u00e1o gi\u1ea3i tr\u00ecnh ch\u1ea5t v\u1ea5n t\u1ea1i phi\u00ean h\u1ecdp th\u1ee9 31 c\u1ee7a \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i ng\u00e0y 29\/9\/2014, Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0 Nguy\u1ec5n V\u0103n B\u00ecnh cho bi\u1ebft: \u201cTheo NHNN, khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 d\u00e2n s\u1ef1, kinh t\u1ebf, \u0111\u1ea7u t\u01b0, t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng c\u00f2n ch\u01b0a […]<\/p>\n","protected":false},"author":10,"featured_media":21916,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n566. 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