{"id":22248,"date":"2014-11-12T13:41:55","date_gmt":"2014-11-12T06:41:55","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22248"},"modified":"2022-05-19T15:02:23","modified_gmt":"2022-05-19T08:02:23","slug":"596-phai-xoa-bo-bay-toi-pham-vi-pham-quy-dinh-ve-cho-vay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/596-phai-xoa-bo-bay-toi-pham-vi-pham-quy-dinh-ve-cho-vay\/","title":{"rendered":"596. Ph\u1ea3i xo\u00e1 b\u1ecf b\u1eaby t\u1ed9i ph\u1ea1m vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay"},"content":{"rendered":"(ANVI ) – Ngay sau khi \u00f4ng H\u00e0 V\u0103n Th\u1eafm b\u1ecb C\u01a1 quan C\u1ea3nh s\u00e1t \u0111i\u1ec1u tra B\u1ed9 C\u00f4ng an kh\u1edfi t\u1ed1 v\u00e0 b\u1eaft t\u1ea1m giam, Ph\u00f3ng vi\u00ean Ph\u00e1p l\u00fd \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i nhanh v\u1edbi 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, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng<\/strong>[1]<\/a><\/strong><\/p>\n

Qua v\u1ee5 \u00f4ng H\u00e0 V\u0103n Th\u1eafm, Ch\u1ee7 t\u1ecbch Ocean Bank v\u1eeba b\u1ecb b\u1eaft v\u1ec1 t\u1ed9i “Vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng” th\u00ec theo quan \u0111i\u1ec3m c\u00e1 nh\u00e2n \u00f4ng, nh\u1eefng quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 179 c\u1ee7a BLHS v\u00e0 quy \u0111\u1ecbnh trong Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec \u00f4ng th\u1ea5y c\u00f3 \u0111i\u1ec3m g\u00ec b\u1ea5t c\u1eadp kh\u00f4ng? <\/em><\/p>\n

Th\u1ee9 nh\u1ea5t,<\/em> quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 r\u1ea5t b\u1ea5t c\u1eadp n\u1ebfu \u0111\u1ed1i chi\u1ebfu d\u1ea5u hi\u1ec7u ph\u1ea1m t\u1ed9i v\u1edbi Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 Quy ch\u1ebf cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. C\u1ee5 th\u1ec3, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 quy \u0111\u1ecbnh 3 t\u00ecnh ti\u1ebft \u0111\u1ecbnh t\u1ed9i, \u0111\u00f3 l\u00e0 \u201cCho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d, \u201cCho vay qu\u00e1 gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh\u201d v\u00e0 \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,\u00a0 th\u00ec c\u1ea3 3 \u0111\u1ec1u kh\u00f4ng h\u1ee3p l\u00fd.<\/p>\n

Th\u1ee9 hai,<\/em> quy \u0111\u1ecbnh ph\u1ea1m t\u1ed9i khi c\u00f3 h\u00e0nh vi \u201cCho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft, v\u00ec vi\u1ec7c b\u1eaft bu\u1ed9c cho vay ph\u1ea3i c\u00f3 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay n\u1ebfu c\u00f3 th\u00ec ch\u1ec9 l\u00e0 ngo\u1ea1i l\u1ec7, do n\u00f3 \u0111\u00e3 b\u1ecb b\u00e3i b\u1ecf h\u01a1n ch\u1ee5c n\u0103m nay. C\u1ee5 th\u1ec3, \u0111i\u1ec3m a, kho\u1ea3n 2, \u0110i\u1ec1u 3 v\u1ec1 \u201cBi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD tr\u01b0\u1edbc \u0111\u00e2y \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5: \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ee7 \u0111\u1ed9ng l\u1ef1a ch\u1ecdn kh\u00e1ch h\u00e0ng vay \u0111\u1ec3 cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n<\/em>\u201d. R\u1ed3i kho\u1ea3n 2, \u0110i\u1ec1u 52 v\u1ec1 \u201cB\u1ea3o \u0111\u1ea3m ti\u1ec1n vay\u201d, Lu\u1eadt C\u00e1c TCTD n\u0103m 1997, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2004 tr\u01b0\u1edbc \u0111\u00e2y c\u0169ng quy \u0111\u1ecbnh \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy\u1ec1n xem x\u00e9t, quy\u1ebft \u0111\u1ecbnh cho vay tr\u00ean c\u01a1 s\u1edf c\u00f3 b\u1ea3o \u0111\u1ea3m ho\u1eb7c kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p c\u1ee7a kh\u00e1ch h\u00e0ng vay, b\u1ea3o l\u00e3nh c\u1ee7a b\u00ean th\u1ee9 ba v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 quy\u1ebft \u0111\u1ecbnh c\u1ee7a m\u00ecnh<\/em>\u201d.<\/p>\n

Th\u1ee9 ba,<\/em> quy \u0111\u1ecbnh ph\u1ea1m t\u1ed9i khi c\u00f3 h\u00e0nh vi \u201cCho vay qu\u00e1 gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh\u201d l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft, v\u00ec vi\u1ec7c cho vay qu\u00e1 5%, 15% hay t\u1ef7 l\u1ec7 cao h\u01a1n n\u1eefa \u0111\u1ed1i v\u1edbi 1 kh\u00e1ch h\u00e0ng, n\u1ebfu c\u00f3 ch\u1ec9 l\u00e0 hy h\u1eefu v\u00e0 xu\u1ea5t hi\u1ec7n trong m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh t\u01b0\u01a1ng \u0111\u1ed1i ng\u1eafn, v\u00ec lu\u00f4n \u0111\u01b0\u1ee3c thanh tra, gi\u00e1m s\u00e1t k\u1ecbp th\u1eddi, k\u1ef9 l\u01b0\u1ee1ng. V\u00ec v\u1eady, n\u1ebfu c\u00f3 x\u1ea3y ra vi\u1ec7c n\u00e0y, nh\u01b0ng \u0111\u1ebfn h\u00e0ng n\u0103m sau m\u1edbi g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng, m\u00e0 kh\u00f4ng c\u00f2n vi ph\u1ea1m gi\u1edbi h\u1ea1n n\u1eefa, th\u00ec kh\u00f4ng th\u1ec3 k\u1ebft t\u1ed9i.<\/p>\n

C\u00f3 th\u1ec3 n\u00f3i r\u1eb1ng vi ph\u1ea1m trong hai tr\u01b0\u1eddng h\u1ee3p tr\u00ean ch\u1ec9 l\u00e0 hy h\u1eefu v\u00e0 t\u00ednh ch\u1ea5t nguy hi\u1ec3m cho x\u00e3 h\u1ed9i th\u00ec thua xa nhi\u1ec1u h\u00e0nh vi kh\u00e1c trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, ch\u1eb3ng h\u1ea1n nh\u01b0 vi\u1ec7c k\u00e9o d\u00e0i t\u00ecnh tr\u1ea1ng kh\u00f4ng b\u1ea3o \u0111\u1ea3m t\u1ef7 l\u1ec7 an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, trong \u0111\u00f3 c\u00f3 t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u hay t\u1ef7 l\u1ec7 cho vay.<\/p>\n

Th\u1ee9 t\u01b0,<\/em> quy \u0111\u1ecbnh ph\u1ea1m t\u1ed9i khi 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 l\u00e0 v\u00f4 c\u00f9ng t\u00f9 m\u00f9, kh\u00f4ng m\u1ed9t ai bi\u1ebft r\u1eb1ng n\u00f3 l\u00e0 c\u00e1i g\u00ec. \u0110\u00e2y ch\u00ednh l\u00e0 c\u00e1i b\u1eaby ph\u00e1p l\u00fd ch\u1ebft ng\u01b0\u1eddi gi\u0103ng kh\u1eafp m\u1ecdi ng\u00f5 ng\u00e1ch c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng.<\/p>\n

C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, n\u1ebfu quy \u0111\u1ecbnh v\u1ec1 h\u00e0nh vi cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 quy \u0111\u1ecbnh v\u1ec1 h\u00e0nh vi cho vay qu\u00e1 gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh kh\u00e1 c\u1ee5 th\u1ec3 v\u00e0 r\u00f5 r\u00e0ng th\u00ec quy \u0111\u1ecbnh v\u1ec1 h\u00e0nh vi n\u00eau t\u1ea1i \u0110i\u1ec3m c Kho\u1ea3n 1 \u0110i\u1ec1u 179 (BLHS) l\u1ea1i chung chung, kh\u00f4ng c\u1ee5 th\u1ec3. Ch\u00ednh v\u00ec v\u1eady, quy \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c coi nh\u01b0 \u201cc\u00e1i t\u00fai\u201d \u0111\u1ec3 nh\u00e9t t\u1ea5t c\u1ea3 c\u00e1c h\u00e0nh vi \u0111\u01b0\u1ee3c cho l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 cho vay c\u1ee7a CBNV ng\u00e2n h\u00e0ng nh\u1eb1m truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1. \u00dd ki\u1ebfn c\u1ee7a \u00f4ng nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/p>\n

Th\u1ee9 nh\u1ea5t,<\/em> hai tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng th\u00ec ch\u1ec9 \u0111\u1ec3 trang tr\u00ed, v\u00ec g\u1ea7n nh\u01b0 kh\u00f4ng x\u1ea3y ra. L\u00e2u nay, c\u01a1 quan ph\u00e1p lu\u1eadt to\u00e0n b\u1eaft t\u1ed9i c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng theo tr\u01b0\u1eddng h\u1ee3p th\u1ee9 ba. H\u00e0nh vi kh\u00e1c l\u00e0 m\u1ed9t th\u1ee9 qu\u00e1 chung chung, kh\u00f4ng ai c\u00f3 th\u1ec3 bi\u1ebft sai tr\u00e1i th\u1ebf n\u00e0o \u0111\u1ec3 m\u00e0 ph\u00f2ng ng\u1eeba. \u0110\u00e2y ch\u00ednh l\u00e0 \u0111i\u1ec1u b\u1ee9c x\u00fac nh\u1ea5t trong gi\u1edbi nghi\u1ec7p v\u1ee5 v\u00e0 qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng. \u0110i\u1ec3n h\u00ecnh l\u00e0 ng\u01b0\u1eddi ta kh\u00f4ng vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hay Quy ch\u1ebf Cho vay c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc hay b\u1ea5t c\u1ee9 quy \u0111\u1ecbnh n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 cho vay, nh\u01b0ng v\u1eabn b\u1ecb truy t\u1ed1 v\u00e0 x\u00e9t x\u1eed ch\u1ec9 v\u00ec vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a n\u1ed9i b\u1ed9 ng\u00e2n h\u00e0ng.<\/p>\n

Th\u1ee9 hai,<\/em> ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1 v\u00e0 t\u1ed9i ph\u1ea1m m\u00e0 kh\u00f4ng r\u00f5 r\u00e0ng, minh th\u1ecb, th\u00ec v\u00f4 c\u00f9ng nguy hi\u1ec3m. M\u1ed9t lo\u1ea1i t\u1ed9i ph\u1ea1m \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng, v\u1edbi m\u1ee9c h\u00ecnh ph\u1ea1t t\u00f9 c\u00f3 th\u1eddi h\u1ea1n cao nh\u1ea5t l\u00ean \u0111\u1ebfn 20 n\u0103m, nh\u01b0ng ai c\u0169ng c\u00f3 th\u1ec3 ph\u1ea1m t\u1ed9i m\u00e0 kh\u00f4ng bi\u1ebft r\u1eb1ng m\u00ecnh \u0111ang ph\u1ea1m t\u1ed9i v\u00ec s\u1ef1 t\u00f9 m\u00f9 c\u1ee7a ph\u00e1p lu\u1eadt. R\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng cho vay ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c v\u00ed nh\u01b0 vi\u1ec7c c\u1ea7m dao \u0111\u1eb1ng l\u01b0\u1ee1i. Kho\u1ea3n vay ti\u1ec1n t\u1ef7 n\u00e0o c\u0169ng c\u00f3 th\u1ec3 m\u1ea5t v\u1ed1n v\u00e0 h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng n\u00e0o c\u0169ng c\u00f3 th\u1ec3 c\u00f3 \u00edt nhi\u1ec1u sai s\u00f3t, s\u01a1 xu\u1ea5t. N\u1ebfu ch\u1ec9 v\u00ec m\u1ed9t v\u00e0i \u0111i\u1ec3m sai s\u00f3t, s\u01a1 xu\u1ea5t l\u1eb7t v\u1eb7t, kh\u00f4ng tr\u1ecdng y\u1ebfu, kh\u00f4ng nghi\u00eam tr\u1ecdng, ho\u00e0n to\u00e0n kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean d\u1eabn d\u1eabn \u0111\u1ebfn vi\u1ec7c th\u1ea5t tho\u00e1t v\u1ed1n vay m\u00e0 v\u1eabn b\u1ecb nh\u00e9t t\u1ea5t v\u00e0o c\u00e1i s\u1ecdt \u201cvi ph\u1ea1m kh\u00e1c\u201d v\u00e0 b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1, th\u00ec \u0111\u00f3 l\u00e0 n\u1ed7i nguy nan, oan tr\u00e1i kh\u1ee7ng khi\u1ebfp nh\u1ea5t trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Th\u1ee9 ba,<\/em> \u0111\u00e1ng ti\u1ebfc l\u00e0 \u0111\u00e3 15 n\u0103m tr\u00f4i qua, nh\u01b0ng kh\u00f4ng h\u1ec1 c\u00f3 m\u1ed9t ch\u1eef n\u00e0o gi\u1ea3i th\u00edch, h\u01b0\u1edbng d\u1eabn th\u1ebf n\u00e0o l\u00e0 vi ph\u1ea1m kh\u00e1c v\u00e0 khi s\u1eeda \u0111\u1ed5i, b\u1ed5 sung B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 v\u00e0o n\u0103m 2009, quy \u0111\u1ecbnh tr\u00ean c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e3i b\u1ecf ho\u1eb7c quy \u0111\u1ecbnh r\u00f5 h\u01a1n. V\u00ec v\u1eady trong v\u1ee5 \u00e1n si\u00eau l\u1eeba Huy\u1ec1n Nh\u01b0, m\u1edbi c\u00f3 chuy\u1ec7n n\u1ef1c c\u01b0\u1eddi l\u00e0, c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng b\u1ecb k\u1ebft t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y, nh\u01b0ng l\u1ea1i g\u00e2y h\u1eadu qu\u1ea3 cho ng\u00e2n h\u00e0ng kh\u00e1c (!?)<\/p>\n

Theo \u00f4ng, \u0111\u1ec3 h\u1ea1n ch\u1ebf nh\u1eefng r\u1ee7i ro cho kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng th\u00ec c\u1ea7n s\u1eeda \u0111\u1ed5i g\u00ec trong quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 \u0110i\u1ec1u 179 BLHS hi\u1ec7n nay?<\/em><\/p>\n

Th\u1ee9 nh\u1ea5t,<\/em> theo t\u00f4i, c\u1ea7n xem x\u00e9t b\u1ecf \u0110i\u1ec1u lu\u1eadt n\u00e0y ho\u1eb7c \u00edt nh\u1ea5t l\u00e0 c\u0169ng ph\u1ea3i s\u1eeda m\u1ed9t c\u00e1ch th\u1eadt c\u01a1 b\u1ea3n, r\u00f5 r\u00e0ng, h\u1ee3p l\u00fd. V\u00ed d\u1ee5, c\u1ea7n ph\u1ea3i b\u1ecf t\u00ecnh ti\u1ebft \u0111\u1ecbnh t\u1ed9i \u201cCho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d. Vi\u1ec7c vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay ch\u1ec9 n\u00ean b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 v\u1edbi \u00edt nh\u1ea5t 3 \u0111i\u1ec1u ki\u1ec7n sau: C\u1ed1 \u00fd h\u00e0nh \u0111\u1ed9ng sai tr\u00e1i m\u1ed9t c\u00e1ch nghi\u00eam tr\u1ecdng, ch\u1ee9 kh\u00f4ng ph\u1ea3i sai s\u00f3t ly ty, v\u1eb7t v\u00e3nh c\u0169ng ph\u1ea1m t\u1ed9i. Vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 b\u1eaft bu\u1ed9c c\u1ee7a ph\u00e1p lu\u1eadt, ch\u1ee9 kh\u00f4ng ph\u1ea3i vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 G\u00e2y h\u1eadu qu\u1ea3 thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf t\u1eeb 1 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean, thay v\u00ec g\u00e2y h\u1eadu qu\u00e1 t\u1eeb 100 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean.<\/p>\n

Th\u1ee9 hai,<\/em> th\u1ef1c ch\u1ea5t \u0110i\u1ec1u 179 v\u1ec1 T\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay \u0111\u01b0\u1ee3c t\u00e1ch ra t\u1eeb \u0110i\u1ec1u 165 v\u1ec1 \u201cT\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 g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng\u201d. Tuy nhi\u00ean t\u00ean \u0110i\u1ec1u 179 l\u1ea1i kh\u00f4ng c\u00f3 d\u1ea5u hi\u1ec7u \u0111\u1ecbnh t\u1ed9i quan tr\u1ecdng l\u00e0 g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng nh\u01b0 \u0110i\u1ec1u 165. V\u00e0 n\u1ed9i dung \u0110i\u1ec1u 165 th\u00ec quy \u0111\u1ecbnh r\u1ea5t r\u00f5, m\u1ee9c g\u00e2y h\u1eadu qu\u1ea3 l\u00e0 nghi\u00eam tr\u1ecdng th\u00ec m\u1edbi ph\u1ea1m t\u1ed9i (t\u1eed 100 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean), r\u1ea5t nghi\u00eam tr\u1ecdng (t\u1eeb 300 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean) v\u00e0 \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng (t\u1eeb 1 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean); trong khi \u0111\u00f3, \u0110i\u1ec1u 179 l\u1ea1i kh\u00f4ng x\u00e1c \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 nghi\u00eam tr\u1ecdng hay \u201cg\u00e2y h\u1eadu qu\u1ea3 r\u1ea5t nghi\u00eam tr\u1ecdng\u201d v\u00e0 \u201cg\u00e2y h\u1eadu qu\u1ea3 \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng\u201d.<\/p>\n

Th\u1ee9 ba,<\/em> m\u1ee9c h\u00ecnh ph\u1ea1t t\u00f9 kh\u1edfi \u0111i\u1ec3m v\u00e0 cao nh\u1ea5t c\u1ee7a hai t\u1ed9i tr\u00ean l\u00e0 nh\u01b0 nhau, \u0111\u1ed3ng th\u1eddi \u0111\u1ec1u \u0111\u01b0\u1ee3c chia th\u00e0nh 3 khung h\u00ecnh ph\u1ea1t gi\u1ed1ng nhau, nh\u01b0ng b\u00ean trong th\u00ec l\u1ea1i c\u00f3 s\u1ef1 r\u1ea5t kh\u00f4ng c\u00f4ng b\u1eb1ng. C\u1ee5 th\u1ec3 l\u00e0 t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay l\u1ea1i n\u1eb7ng h\u01a1n 2 n\u0103m t\u00f9 so so v\u1edbi t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i \u1edf m\u1ee9c cao nh\u1ea5t c\u1ee7a khung 1 v\u00e0 m\u1ee9c kh\u1edfi \u0111i\u1ec3m c\u1ee7a khung 2.<\/p>\n

B\u1ea3ng so s\u00e1nh gi\u1eefa T\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i v\u00e0 T\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay<\/strong><\/p>\n\n\n\n\n\n\n\n\n
M\u1ee9c \u0111\u1ed9 vi ph\u1ea1m<\/strong><\/td>\nM\u1ee9c ph\u1ea1t t\u00f9<\/strong><\/td>\n<\/tr>\n<\/thead>\n
\u0110i\u1ec1u 165 + 179<\/strong><\/td>\n\u0110i\u1ec1u 165<\/strong><\/td>\n\u0110i\u1ec1u 165<\/strong><\/td>\n\u0110i\u1ec1u 179<\/strong><\/td>\n<\/tr>\n
Nghi\u00eam tr\u1ecdng<\/td>\n><\/u> 100 tri\u1ec7u \u0111\u1ed3ng<\/td>\n1 \u2013 5 n\u0103m<\/td>\n1 \u2013 7 n\u0103m<\/td>\n<\/tr>\n
R\u1ea5t nghi\u00eam tr\u1ecdng<\/td>\n><\/u> 300 tri\u1ec7u \u0111\u1ed3ng<\/td>\n3 \u2013 12 n\u0103m<\/td>\n5 \u2013 12 n\u0103m<\/td>\n<\/tr>\n
\u0110\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng<\/td>\n><\/u> 1 t\u1ef7 \u0111\u1ed3ng<\/td>\n10 \u2013 20 n\u0103m<\/td>\n10 \u2013 20 n\u0103m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Th\u1ee9 t\u01b0,<\/em> Lu\u1eadt C\u00e1c TCTD t\u1eeb n\u0103m 1997 \u0111\u00e3 quy \u0111\u1ecbnh, vi\u1ec7c cho vay c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t trong c\u00e1c h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng, v\u1edbi nh\u1eefng \u0111i\u1ec1u ki\u1ec7n, \u0111\u00f2i h\u1ecfi t\u01b0\u01a1ng t\u1ef1. Nh\u01b0ng B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 th\u00ec l\u1ea1i ch\u1ec9 quy \u0111\u1ecbnh ri\u00eang t\u1ed9i ph\u1ea1m cho vay, m\u00e0 kh\u00f4ng quy \u0111\u1ecbnh t\u1ed9i ph\u1ea1m chung v\u1ec1 c\u1ea5p t\u00edn d\u1ee5ng. V\u00ec v\u1eady, c\u00f9ng m\u1ed9t h\u00e0nh vi t\u01b0\u01a1ng t\u1ef1, nh\u01b0ng n\u1ebfu vi ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng cho vay, \u0111\u1ec3 m\u1ea5t v\u1ed1n th\u00ec b\u1ecb x\u1eed t\u1ed9i vi ph\u1ea1m v\u1ec1 cho vay, c\u00f2n n\u1ebfu vi ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng b\u1ea3o l\u00e3nh \u0111\u1ec3 m\u1ea5t v\u1ed1n th\u00ec l\u1ea1i b\u1ecb x\u1eed t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i.<\/p>\n

Th\u1ee9 n\u0103m,<\/em> kh\u00e1c v\u1edbi c\u00e1c h\u00e0nh vi ph\u1ea1m t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i, h\u00e0nh vi ph\u1ea1m t\u1ed9i vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 cho vay kh\u00f4ng th\u1eadt s\u1ef1 h\u1ee3p l\u00fd, v\u00ec b\u1ea3n ch\u1ea5t c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay l\u00e0 kinh doanh r\u1ee7i ro, ng\u00e2n h\u00e0ng cho vay lu\u00f4n ph\u1ea3i s\u1eb5n s\u00e0ng ch\u1ea5p nh\u1eadn r\u1ee7i ro. N\u1ebfu duy tr\u00ec t\u1ed9i n\u00e0y th\u00ec s\u1ebd l\u00e0 n\u1ed7i kinh ho\u00e0ng c\u1ee7a nh\u1eefng ng\u01b0\u1eddi l\u00e0m t\u00edn d\u1ee5ng v\u00e0 r\u1ea5t d\u1ec5 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng oan sai.<\/p>\n

Th\u1ee9 s\u00e1u,<\/em> n\u1ebfu b\u1ecf t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i nh\u01b0 \u0111\u1ec1 xu\u1ea5t c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p trong d\u1ecbp x\u00e2y d\u1ef1ng l\u1ea1i B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 hi\u1ec7n nay, th\u00ec c\u0169ng c\u1ea7n b\u1ecf t\u1ed9i vi ph\u1ea1m kh\u00e1c trong quy \u0111\u1ecbnh v\u1ec1 cho vay, v\u00ec n\u00f3 c\u0169ng m\u01a1 h\u1ed3 y h\u1ec7t nh\u01b0 t\u00ecnh ti\u1ebft \u0111\u1ecbnh t\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i. C\u1ea7n ph\u1ea3i kh\u1eb3ng \u0111\u1ecbnh quan \u0111i\u1ec3m, ch\u1ec9 khi n\u00e0o vi ph\u1ea1m nh\u1eefng h\u00e0nh vi nguy hi\u1ec3m c\u1ee5 th\u1ec3, \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt li\u1ec7t k\u00ea r\u00f5 th\u00ec m\u1edbi ph\u1ea1m t\u1ed9i vi ph\u1ea1m v\u1ec1 c\u1ea5p t\u00edn d\u1ee5ng. N\u1ebfu kh\u00f4ng l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y, th\u00ec c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn vi\u1ec7c lo\u1ea1i b\u1ecf t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay ra kh\u1ecfi B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1.<\/p>\n

——————-<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em><\/p>\n

[1]<\/a> \u00a0\u00a0\u00a0 B\u00e0i n\u00e0y tr\u1ea3 l\u1eddi ph\u1ecfng v\u1ea5n nh\u01b0ng \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ebf bi\u1ebfn tung to\u00e9 \u0111\u01b0a l\u1eabn l\u1ed9n trong b\u00e0i: \u201cT\u1eeb v\u1ee5 \u201cVIP\u201d ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean b\u1ecb b\u1eaft v\u1ec1 t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay: Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng \u0111\u1ec3 xu\u1ea5t s\u1eeda \u0111\u1ed5i \u0111i\u1ec1u 178 BLHS v\u00e0 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>.\u201d, v\u1edbi nhi\u00eau n\u1ed9i dung r\u1ea5t d\u00e0i, g\u1ed3m 3 ph\u1ea7n: C\u1ee7a ph\u00f3ng vi\u00ean, b\u00e0i ph\u1ecfng v\u1ea5n tr\u01b0\u1edbc \u0111\u00f3 \u201cV\u1ee5 Ch\u1ee7 t\u1ecbch OceanBank b\u1ecb b\u1eaft: H\u00e0 V\u0103n Th\u1eafm \u2013 \u201cVIP\u201d Ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean b\u1ecb b\u1eaft v\u1ec1 t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay?\u201d \u0111\u00e3 \u0111\u0103ng tr\u00ean Ph\u00e1p l\u00fd (An ninh) ng\u00e0y 24-10-2014.","protected":false},"excerpt":{"rendered":"

(ANVI ) – Ngay sau khi \u00f4ng H\u00e0 V\u0103n Th\u1eafm b\u1ecb C\u01a1 quan C\u1ea3nh s\u00e1t \u0111i\u1ec1u tra B\u1ed9 C\u00f4ng an kh\u1edfi t\u1ed1 v\u00e0 b\u1eaft t\u1ea1m giam, Ph\u00f3ng vi\u00ean Ph\u00e1p l\u00fd \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i nhanh v\u1edbi 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, Ch\u1ee7 nhi\u1ec7m CLB […]<\/p>\n","protected":false},"author":10,"featured_media":22271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n596. Ph\u1ea3i xo\u00e1 b\u1ecf b\u1eaby t\u1ed9i ph\u1ea1m vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay - 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-596-phai-xoa-bo-bay-toi-pham-vi-pham-quy-dinh-ve-cho-vay\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]596. 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