{"id":22440,"date":"2013-07-20T15:18:51","date_gmt":"2013-07-20T08:18:51","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22440"},"modified":"2022-05-20T19:51:49","modified_gmt":"2022-05-20T12:51:49","slug":"304-the-chap-nha-o-hinh-thanh-trong-tuong-lai-3-nam-van-chua-xong-huong-dan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/304-the-chap-nha-o-hinh-thanh-trong-tuong-lai-3-nam-van-chua-xong-huong-dan\/","title":{"rendered":"304. Th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai – 3 n\u0103m v\u1eabn ch\u01b0a xong h\u01b0\u1edbng d\u1eabn"},"content":{"rendered":"(DNPL) – Ngh\u1ecb \u0111\u1ecbnh 71\/2010\/N\u0110-CP ng\u00e0y 23\/6\/2010 Quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt Nh\u00e0 \u1edf cho ph\u00e9p t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng, th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc (NHNN) h\u01b0\u1edbng d\u1eabn\u2026 Th\u1ebf nh\u01b0ng \u0111\u1ebfn nay, sau g\u1ea7n 3 n\u0103m Ngh\u1ecb \u0111\u1ecbch c\u00f3 hi\u1ec7u l\u1ef1c, Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN v\u1eabn \u0111ang trong qu\u00e1 tr\u00ecnh\u2026 kh\u1edfi \u0111\u1ed9ng (!?)<\/em><\/strong><\/p>\n

V\u1eeaA L\u00c0M V\u1eeaA RUN<\/strong>\u00a0<\/strong><\/p>\n

T\u1ea1i bu\u1ed5i T\u1ecda \u0111\u00e0m \u201cV\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d do CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng t\u1ed5 ch\u1ee9c m\u1edbi \u0111\u00e2y, b\u00e0 L\u00ea Thu Hi\u1ec1n, Tr\u01b0\u1edfng ph\u00f2ng Ph\u00e1p ch\u1ebf, Ng\u00e2n h\u00e0ng TMCP Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam\u00a0 cho bi\u1ebft c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay \u0111ang r\u1ea5t l\u00fang t\u00fang khi tri\u1ec3n khai cho vay \u0111\u1ed1i v\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y, k\u1ec3 c\u1ea3 t\u1eeb ph\u00eda ch\u1ee7 \u0111\u1ea7u t\u01b0 l\u1ea7n ng\u01b0\u1eddi mua. L\u00fang t\u00fang nh\u01b0ng kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 kh\u00f4ng tri\u1ec3n khai b\u1edfi \u0111\u00e2y l\u00e0 th\u1ef1c t\u1ebf giao d\u1ecbch. Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng, m\u1eb7c d\u00f9 ch\u01b0a c\u00f3 h\u01b0\u1edbng d\u1eabn nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn tri\u1ec3n khai. Tuy nhi\u00ean r\u1ee7i ro r\u1ea5t cao do m\u1ed7i n\u01a1i l\u00e0m m\u1ed9t ki\u1ec3u v\u00e0 kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang y\u00eau c\u1ea7u trong c\u1ea3 vi\u1ec7c c\u00f4ng ch\u1ee9ng c\u0169ng nh\u01b0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p.<\/p>\n

Kh\u00f4ng ch\u1ec9 c\u00e1c ng\u00e2n h\u00e0ng th\u1ef1c thi v\u1eeba l\u00e0m v\u1eeba run m\u00e0 ngay c\u1ea3 NHNN- \u0111\u01a1n v\u1ecb \u0111\u01b0\u1ee3c giao so\u1ea1n th\u1ea3o v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn c\u0169ng l\u00fang t\u00fang kh\u00f4ng k\u00e9m khi 3 n\u0103m v\u1eabn ch\u01b0a \u201cra\u201d \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn.<\/p>\n

Kho\u1ea3n 2 \u0110i\u1ec1u 61 Ngh\u1ecb \u0111\u1ecbnh 71\/2010\/N\u0110-CP Quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt Nh\u00e0 \u1edf quy \u0111\u1ecbnh: \u201c<\/em>T\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u1ee7a DN\u00a0 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c quy\u1ec1n th\u1ebf ch\u1ea5p nh\u00e0 \u1edf t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 vay v\u1ed1n. Th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN\u2026\u201d<\/em><\/p>\n

T\u1ea1i bu\u1ed5i T\u1ecda \u0111\u00e0m, \u0111\u1ea1i di\u1ec7n NHNN cho bi\u1ebft Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn \u0111\u00e3 \u0111\u01b0\u1ee3c NHNN kh\u1edfi \u0111\u1ed9ng. M\u1eb7c d\u00f9 kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn l\u00fd do kh\u1edfi \u0111\u1ed9ng su\u1ed1t 3 n\u0103m nay v\u1eabn ch\u01b0a xong, nh\u01b0ng d\u01b0\u1eddng nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u th\u1ea5u hi\u1ec3u c\u00e1i kh\u00f3 c\u1ee7a NHNN.<\/p>\n

\u00d4ng Nguy\u1ec5n Danh Tr\u1ecdng, chuy\u00ean vi\u00ean cao c\u1ea5p, Ban ph\u00e1p lu\u1eadt Nghi\u1ec7p v\u1ee5 Hi\u1ec7p h\u1ed9i ng\u00e2n h\u00e0ng gi\u1ea3i th\u00edch: \u201cKh\u00f3 l\u00e0 v\u00ec giao d\u1ecbch b\u1ea3o \u0111\u1ea3m x\u01b0a nay v\u1eabn do B\u1ed9 T\u01b0 ph\u00e1p h\u01b0\u1edbng d\u1eabn\u2026\u201d<\/em> \u00d4ng Tr\u1ecdng c\u0169ng cho bi\u1ebft, m\u1edbi \u0111\u00e2y NHNN \u0111\u00e3 tr\u00ecnh Ch\u00ednh ph\u1ee7 cho ph\u00e9p x\u00e2y d\u1ef1ng Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch gi\u1eefa NHNN v\u1edbi B\u1ed9 X\u00e2y d\u1ef1ng.<\/p>\n

\u201cNh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n trong t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y ph\u1ea3i c\u00f3 4 th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, x\u1ee9 l\u00fd nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai khi th\u1ebf ch\u1ea5p, \u0111\u0103ng k\u00fd giao d\u1ecbch t\u00e0i s\u1ea3n nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, c\u00f4ng ch\u1ee9ng nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. \u0110\u1ebfn nay v\u1eabn ch\u01b0a c\u00f3 Th\u00f4ng t\u01b0 n\u00e0o \u0111\u01b0\u1ee3c ban h\u00e0nh\u2026\u201d-<\/em> \u00d4ng Tr\u1ecdng cho bi\u1ebft. \u0110\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng \u201cv\u0103n b\u1ea3n ban h\u00e0nh c\u00e0ng nhi\u1ec1u c\u00e0ng v\u01b0\u1edbng m\u1eafc\u201d<\/em> v\u1ecb chuy\u00ean gia n\u00e0y \u0111\u1ec1 ngh\u1ecb ch\u1ec9 c\u1ea7n ban h\u00e0nh m\u1ed9t Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch chung h\u01b0\u1edbng d\u1eabn v\u1ec1 c\u00f4ng ch\u1ee9ng, \u0111\u0103ng k\u00fd, th\u1ebf ch\u1ea5p, x\u1eed l\u00fd t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai gi\u1eefa 4 B\u1ed9, ng\u00e0nh l\u00e0 NHNN, B\u1ed9 X\u00e2y d\u1ef1ng, B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 B\u1ed9 T\u00e0i nguy\u00ean M\u00f4i tr\u01b0\u1eddng\u2026<\/p>\n

THI\u1ebeU L\u00dd, THI\u1ebeU T\u00ccNH!<\/strong><\/p>\n

Tuy nhi\u00ean, theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, s\u1ebd kh\u00f3 c\u00f3 th\u1ebf ban h\u00e0nh Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn,<\/em> b\u1edfi nhi\u1ec1u v\u1ea5n \u0111\u1ec1 v\u01b0\u1ee3t ra ngo\u00e0i ph\u1ea1m vi th\u1ea9m quy\u1ec1n <\/em>c\u1ee7a NHNN c\u0169ng nh\u01b0 c\u1ee7a c\u00e1c b\u1ed9. C\u00f2n v\u1ec1 th\u1ef1c ti\u1ec5n, khi<\/em> ch\u01b0a c\u00f3 t\u00e0i s\u1ea3n hi\u1ec7n h\u1eefu th\u00ec vi\u1ec7c nh\u1eadn b\u1ea3o \u0111\u1ea3m kh\u00f4ng c\u00f3 \u00fd ngh\u0129a, v\u00ec trong t\u01b0\u01a1ng lai c\u00f3 th\u1ec3 c\u00f3 ho\u1eb7c kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/em>\u00a0<\/em><\/p>\n

\u00a0\u00a0\u00a0 <\/em>\u201cNh\u1eadn th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai l\u00e0 \u0111\u00fang lu\u1eadt, nh\u01b0ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c b\u1ea3n ch\u1ea5t c\u1ee7a giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, v\u00ec nh\u01b0 v\u1eady th\u00ec c\u00f3 th\u1ec3 b\u1ea3o \u0111\u1ea3m (n\u1ebfu c\u00f3 th\u1ec3 quy \u0111\u1ed5i ngay th\u00e0nh ti\u1ec1n) nh\u01b0ng c\u0169ng r\u1ea5t c\u00f3 th\u1ebf kh\u00f4ng h\u1ec1 c\u00f3 b\u1ea3o \u0111\u1ea3m (n\u1ebfu ch\u01b0a th\u1ec3 quy \u0111\u1ed5i ngay th\u00e0nh ti\u1ec1n, th\u1eadm ch\u00ed t\u00e0i s\u1ea3n kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh xong). Do v\u1eady, vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai ch\u1ec9 c\u00f3 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n ho\u1eb7c ph\u1ea7n t\u00e0i s\u1ea3n \u0111\u00e3 h\u00ecnh th\u00e0nh xong, nh\u01b0ng ch\u01b0a c\u00f3 gi\u1ea5y t\u1edd s\u1edf h\u1eefu ho\u1eb7c \u0111ang tr\u00ean \u0111\u01b0\u1eddng v\u1eadn chuy\u1ec3n, c\u00f2n s\u1ebd tr\u1edf l\u00ean v\u00f4 ngh\u0129a \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n ch\u01b0a \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh…\u201d- Lu\u1eadt s\u01b0 \u0110\u1ee9c ph\u00e2n t\u00edch. <\/em><\/p>\n

\u00a0\u00a0\u00a0 <\/em>M\u1ed9t v\u01b0\u1edbng m\u1eafc n\u1eefa c\u0169ng \u0111\u01b0\u1ee3c ch\u1ec9 ra l\u00e0 vi\u1ec7c kh\u00f4ng c\u00f4ng ch\u1ee9ng, \u0111\u0103ng k\u00fd \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Ngo\u00e0i ra, m\u1ed9t b\u1ea5t c\u1eadp n\u1eefa l\u00e0 \u0111\u1ec1u \u0111\u01b0\u1ee3c coi l\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, nh\u01b0ng nh\u00e0 \u1edf \u0111ang x\u00e2y d\u1ef1ng, th\u00ec \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, mua b\u00e1n (<\/em>Kho\u1ea3n 2, \u0110i\u1ec1u 320 \u201cV\u1eadt b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1\u201d, BLDS n\u0103m 2005 quy \u0111\u1ecbnh: \u201cV\u1eadt d\u00f9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 l\u00e0 v\u1eadt hi\u1ec7n c\u00f3 ho\u1eb7c \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. V\u1eadt h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai l\u00e0 \u0111\u1ed9ng s\u1ea3n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m sau th\u1eddi \u0111i\u1ec3m ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp ho\u1eb7c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c giao k\u1ebft<\/em>.\u201d; Kho\u1ea3n 2, \u0110i\u1ec1u 61 \u201cTh\u1ebf ch\u1ea5p nh\u00e0 \u1edf\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 71\/2010\/N\u0110-CP quy \u0111\u1ecbnh: \u201cT\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u1ee7a doanh nghi\u1ec7p kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c quy\u1ec1n th\u1ebf ch\u1ea5p nh\u00e0 \u1edf t\u1ea1i\u00a0 TCTD \u0111\u1ec3 vay v\u1ed1n<\/em>.\u201d ), c\u00f2n khi \u0111\u00e3 x\u00e2y xong v\u00e0 b\u00e0n giao \u0111\u01b0a v\u00e0o s\u1eed d\u1ee5ng, nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu, th\u00ec l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p, mua b\u00e1n (\u0110i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 91 \u201c\u0110i\u1ec1u ki\u1ec7n c\u1ee7a nh\u00e0 \u1edf tham gia giao d\u1ecbch\u201d, <\/em>Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005 quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n giao d\u1ecbch v\u1ec1 nh\u00e0 \u1edf l\u00e0 ph\u1ea3i \u201cC\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi nh\u00e0 \u1edf theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d).<\/p>\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u1ec1 ngh\u1ecb c\u1ea7n s<\/em>\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 c\u00e1c \u0111\u1ea1o lu\u1eadt li\u00ean quan theo h\u01b0\u1edbng, lo\u1ea1i b\u1ecf t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai ra kh\u1ecfi c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p. Ch\u1ec9 n\u00ean ghi nh\u1eadn cam k\u1ebft h\u1ee9a h\u1eb9n vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. \u0110\u1ed3ng th\u1eddi kh\u00f4ng g\u1ecdi c\u00e1c t\u00e0i s\u1ea3n \u0111\u00e3 hi\u1ec7n h\u1eefu l\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. H\u1ee3p l\u00fd nh\u1ea5t l\u00e0 c\u1ea7n cho ph\u00e9p th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n hi\u1ec7n h\u1eefu, ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn s\u1edf h\u1eefu, nh\u01b0ng \u0111\u00e3 c\u00f3 gi\u1ea5y t\u1edd h\u1ee3p l\u1ec7 theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt \u0111\u1ea5t \u0111ai ho\u1eb7c \u0111\u00e3 c\u00f3 gi\u1ea5y ph\u00e9p x\u00e2y d\u1ef1ng theo Lu\u1eadt X\u00e2y d\u1ef1ng, thay v\u00ec quy h\u1ebft v\u1ec1 m\u1ed9t lo\u1ea1i t\u01b0\u01a1ng lai. Kh\u00f4ng th\u1ec3 \u0111\u00e1nh \u0111\u1ed3ng nh\u00e0 \u0111\u00e3 x\u00e2y xong v\u1edbi nh\u00e0 c\u00f2n n\u1eb1m tr\u00ean gi\u1ea5y. T\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh \u0111\u1ebfn \u0111\u00e2u th\u00ec m\u1edbi c\u00f3 gi\u00e1 tr\u1ecb b\u1ea3o \u0111\u1ea3m v\u00e0 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ebfn \u0111\u00f3. Lu\u1eadt s\u01b0 \u0110\u1ee9c c\u00f2n cho r\u1eb1ng, \u0111i\u1ec1u \u0111\u1eb7c bi\u1ec7t b\u1ea5t h\u1ee3p l\u00fd n\u1eefa \u0111\u1ed1i v\u1edbi nh\u00e0 \u1edf n\u00f3i chung, nh\u00e0 chung c\u01b0 n\u00f3i ri\u00eang d\u00f9 \u0111\u00e3 ho\u00e0n th\u00e0nh v\u00e0 \u0111\u01b0a v\u00e0o s\u1eed d\u1ee5ng nhi\u1ec1u n\u0103m, nh\u01b0ng l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p, v\u00ec kh\u00f4ng c\u00f2n thu\u1ed9c di\u1ec7n t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, \u0111\u1ed3ng th\u1eddi c\u0169ng ch\u1eb3ng \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn l\u00e0 hi\u1ec7n h\u1eefu, v\u00ec ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn. Th\u1ebf ch\u1eb3ng ho\u00e1 ra, nh\u00e0 gi\u1ea5y th\u00ec \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, c\u00f2n nh\u00e0 th\u1eadt th\u00ec l\u1ea1i b\u1ecb c\u1ea5m th\u1ebf ch\u1ea5p!? <\/em><\/p>\n

THANH THANH<\/p>\n

\n

Doanh nh\u00e2n v\u00e0 Ph\u00e1p lu\u1eadt s\u1ed1 27\/20-7-2013:<\/em><\/strong>","protected":false},"excerpt":{"rendered":"

(DNPL) – Ngh\u1ecb \u0111\u1ecbnh 71\/2010\/N\u0110-CP ng\u00e0y 23\/6\/2010 Quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt Nh\u00e0 \u1edf cho ph\u00e9p t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng, th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p do Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc (NHNN) h\u01b0\u1edbng d\u1eabn\u2026 Th\u1ebf nh\u01b0ng \u0111\u1ebfn […]<\/p>\n","protected":false},"author":1,"featured_media":22274,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22440","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n304. 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