{"id":2290,"date":"2021-04-01T09:23:59","date_gmt":"2021-04-01T02:23:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=2290"},"modified":"2022-01-22T09:28:59","modified_gmt":"2022-01-22T02:28:59","slug":"358-binh-luan-yeu-cau-sua-doi-phap-luat-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/358-binh-luan-yeu-cau-sua-doi-phap-luat-ngan-hang\/","title":{"rendered":"358. B\u00ecnh lu\u1eadn Y\u00eau c\u1ea7u s\u1eeda \u0111\u1ed5i ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng."},"content":{"rendered":"<em><strong>(ANVI) &#8211;\u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI,\u00a0Tr\u1ecdng t\u00e0i vi\u00ean VIAC theo y\u00eau c\u1ea7u c\u1ee7a\u00a0Thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-2292 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/04\/A1879BDE-A2B9-42D2-BDD2-159FCAE10C92-450x314.jpeg\" alt=\"\" width=\"450\" height=\"314\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/04\/A1879BDE-A2B9-42D2-BDD2-159FCAE10C92-450x314.jpeg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/04\/A1879BDE-A2B9-42D2-BDD2-159FCAE10C92-768x535.jpeg 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/04\/A1879BDE-A2B9-42D2-BDD2-159FCAE10C92.jpeg 960w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><br \/>\n<\/strong><\/em><\/p>\n<p><strong>1. M\u1ed9t s\u1ed1 lu\u1eadt li\u00ean quan:<\/strong><\/p>\n<p>\u0110\u1ec1 ngh\u1ecb x\u00e2y d\u1ef1ng c\u00e1c lu\u1eadt: Lu\u1eadt Ngo\u1ea1i h\u1ed1i; Lu\u1eadt Thanh to\u00e1n (kh\u00f4ng ch\u1ec9 l\u00e0 h\u1ec7 th\u1ed1ng thanh to\u00e1n; Lu\u1eadt T\u00edn d\u1ee5ng; Lu\u1eadt B\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh. L\u00fd do r\u1ea5t quan tr\u1ecdng, tr\u00e1nh m\u00e2u thu\u1eabn v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u00e0 ch\u1ec9 tr\u00e1i lu\u1eadt m\u1edbi v\u00f4 hi\u1ec7u (vi ph\u1ea1m ngo\u1ea1i h\u1ed1i kh\u00f4ng v\u00f4 hi\u1ec7u);<\/p>\n<p><strong>2. C\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n<p>\u0110\u1ec1 ngh\u1ecb b\u1ecf c\u00e1c chi nh\u00e1nh Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1ea1i c\u00e1c t\u1ec9nh, th\u00e0nh.<\/p>\n<p><strong>3. \u0110\u1ec1 ngh\u1ecb b\u1ecf quy \u0111\u1ecbnh cho ph\u00e9p cho vay v\u01b0\u1ee3t 15% v\u00ec 4 l\u00fd do:<\/strong><\/p>\n<ul>\n<li><em>M<\/em><em>\u1ed9t l\u00e0<\/em>, \u0111\u1ec1 cao nguy\u00ean t\u1eafc b\u1ea3o \u0111\u1ea3m ph\u00f2ng ng\u1eeba r\u1ee7i ro;<\/li>\n<li><em>H<\/em><em>ai l\u00e0<\/em>, v\u1ed1n ng\u00e2n h\u00e0ng \u0111\u00e3 t\u0103ng h\u00e0ng ch\u1ee5c l\u1ea7n so v\u1edbi n\u0103m 2010;<\/li>\n<li><em>B<\/em><em>a l\u00e0<\/em>, n\u1ec1n kinh t\u1ebf n\u00f3i chung, c\u00e1c d\u1ef1 \u00e1n n\u00f3i ri\u00eang kh\u00f4ng qu\u00e1 ph\u1ee5 thu\u1ed9c v\u00e0o v\u1ed1n ng\u00e2n h\u00e0ng;<\/li>\n<li><em>B<\/em><em>\u1ed1n l\u00e0<\/em>, n\u1ebfu c\u1ea7n th\u00ec c\u00f3 th\u1ec3 cho vay h\u1ee3p v\u1ed1n.<\/li>\n<\/ul>\n<p><strong>4. L\u00e3i su\u1ea5t cho vay:<\/strong><\/p>\n<p>\u0110\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c tho\u1ea3 thu\u1eadn theo th\u1ecb tr\u01b0\u1eddng v\u00e0 ch\u1ec9 b\u1ecb gi\u1edbi h\u1ea1n theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>L\u00fd do, quy \u0111\u1ecbnh nh\u01b0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hi\u1ec7n h\u00e0nh kh\u00f4ng b\u1ea3o \u0111\u1ea3m c\u01a1 c\u01a1 ph\u00e1p l\u00fd \u0111\u1ec3 v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n<p><strong>5. Ch\u1ee7 th\u1ec3 giao d\u1ecbch:<\/strong><\/p>\n<ul>\n<li>\u0110\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh r\u00f5 ch\u1ec9 c\u00f3 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n \u0111\u01b0\u1ee3c g\u00f3p v\u1ed1n th\u00e0nh l\u1eadp v\u00e0 s\u1edf h\u1eefu ph\u1ea7n v\u1ed1n c\u1ee7a c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i chung, ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang, thay v\u00ec quy \u0111\u1ecbnh m\u01a1 h\u1ed3, kh\u00f4ng r\u00f5 l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c g\u00f3p v\u1ed1n th\u00e0nh l\u1eadp v\u00e0 s\u1edf h\u1eefu v\u1ed1n.<\/li>\n<li>Ch\u1ee7 th\u1ec3 giao d\u1ecbch ng\u00e2n h\u00e0ng: Ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n, kh\u00f4ng th\u1ec3 l\u00e0 t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n, n\u1ebfu kh\u00f4ng tr\u00ean c\u01a1 s\u1edf ph\u00e2n c\u1ea5p, u\u1ef7 quy\u1ec1n c\u1ee7a c\u00e1 nh\u00e2n ho\u1eb7c ph\u00e1p nh\u00e2n.<\/li>\n<\/ul>\n<p><strong>6. M\u1ed9t s\u1ed1 t\u1eeb ng\u1eef, kh\u00e1i ni\u1ec7m:<\/strong><\/p>\n<ul>\n<li>\u0110\u1ec1 ngh\u1ecb s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb \u201ct\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d cho c\u1ea3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i (gi\u1ed1ng nh\u01b0 Lu\u1eadt 1997) nh\u1eb1m:<\/li>\n<li>Tr\u00e1nh hi\u1ec3u nh\u1ea7m, ph\u1ea3i s\u1eed d\u1ee5ng t\u1eeb ng\u1eef d\u00e0i d\u00f2ng;<\/li>\n<li>Nhi\u1ec1u quy \u0111\u1ecbnh (k\u1ec3 c\u1ea3 lu\u1eadt) ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, thi\u1ebfu chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i;<\/li>\n<li>Nhi\u1ec1u quy \u0111\u1ecbnh l\u1ea1i ph\u1ea3i gi\u1ea3i th\u00edch t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i g\u1ecdi chung l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;<\/li>\n<li>Khi c\u1ea7n ph\u00e2n bi\u1ec7t, th\u00ec c\u00f3 th\u1ec3 vi\u1ebft t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, tr\u1eeb chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb x\u00e1c \u0111\u1ecbnh l\u1ea1i kh\u00e1i ni\u1ec7m \u201cT\u00edn d\u1ee5ng\u201d l\u00e0 bao g\u1ed3m cho vay, b\u1ea3o l\u00e3nh, chi\u1ebft kh\u1ea5u, bao thanh to\u00e1n, thay v\u00ec d\u00f9ng c\u1ee5m t\u1eeb \u201cc\u1ea5p t\u00edn d\u1ee5ng\u201d. T\u1ee9c l\u00e0 h\u1ee3p t\u00edn d\u1ee5ng thay cho h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng, h\u1ee3p \u0111\u1ed3ng cho vay thay v\u00ec h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng (hi\u1ec7n nay Th\u00f4ng t\u01b0 39\/2016 s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb tho\u1ea3 thu\u1eadn cho vay l\u00e0 kh\u00f4ng ch\u00ednh x\u00e1c.<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb s\u1eeda l\u1ea1i c\u1ee5m t\u1eeb \u201cd\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng\u201d th\u00e0nh \u201cs\u1ed1 d\u01b0 t\u00edn d\u1ee5ng\u201d. Hi\u1ec7n nay quy \u0111\u1ecbnh \u201cT\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng\u201d t\u1ea1i \u0110i\u1ec1u 127, Lu\u1eadt C\u00e1c TCTD l\u00e0 sai (d\u01b0 n\u1ee3 kh\u00e1c s\u1ed1 d\u01b0).<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb x\u00e1c \u0111\u1ecbnh l\u1ea1i t\u1eeb \u201ct\u00e0i kho\u1ea3n\u201d kh\u00f4ng ch\u1ec9 s\u1eed d\u1ee5ng cho t\u00e0i kho\u1ea3n thanh to\u00e1n, m\u00e0 cho m\u1ecdi lo\u1ea1i t\u00e0i kho\u1ea3n.<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh r\u00f5, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 g\u1ecdi l\u00e0 c\u00f4ng ty TNHH: Hi\u1ec7n nay Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh \u201cT\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp, t\u1ed5 ch\u1ee9c d\u01b0\u1edbi h\u00ecnh th\u1ee9c c\u00f4ng ty tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n\u201d, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 c\u00f4ng ty, m\u00e0 l\u1ea1i g\u1ecdi kh\u00f4ng h\u1ee3p l\u00fd, kh\u00f4ng gi\u1ed1ng lo\u1ea1i h\u00ecnh ph\u00e1p l\u00fd. V\u00ed d\u1ee5 \u201cT\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 TNHH MTV T\u00ecnh th\u01b0\u01a1ng (TYM).<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh t\u00ean g\u1ecdi \u201cC\u00f4ng ty c\u1ed5 ph\u1ea7n t\u00e0i ch\u00ednh\u201d thay v\u00ec \u201cC\u00f4ng ty T\u00e0i ch\u00ednh c\u1ed5 ph\u1ea7n\u201d cho th\u1ed1ng nh\u1ea5t v\u1edbi h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt chung.<\/li>\n<\/ul>\n<p><strong>7. Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt:<\/strong><\/p>\n<p>\u0110\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh cho ph\u00e9p nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n<p><strong>8. \u0110\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh trong Lu\u1eadt:<\/strong><\/p>\n<p>Vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n t\u00edn d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch l\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a kh\u00e1ch h\u00e0ng, vi\u1ec7c ki\u1ec3m tra thu\u1ed9c quy\u1ec1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, thay v\u00ec l\u00e0 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 trong Lu\u1eadt nh\u01b0 hi\u1ec7n nay (trong khi Th\u00f4ng t\u01b0 39 quy \u0111\u1ecbnh sai l\u00e0 ch\u1ec9 l\u00e0 quy\u1ec1n), g\u00e2y ra s\u1ef1 huy hi\u1ec3m v\u1ec1 tr\u00e1ch nhi\u1ec7m cho ng\u00e2n h\u00e0ng.<\/p>\n<p><strong>9. M\u1ee9c chi tr\u1ea3 b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi:<\/strong><\/p>\n<p>C\u1ea7n n\u00e2ng l\u00ean \u00edt nh\u1ea5t l\u00e0 1 t\u1ef7 \u0111\u1ed3ng (thay v\u00ec 75 tri\u1ec7u nh\u01b0 hi\u1ec7n nay).<\/p>\n<p>\u0110\u1ed3ng th\u1eddi quy \u0111\u1ecbnh \u0111\u1ebfn n\u0103m 2030 ho\u1eb7c ch\u1eadm nh\u1ea5t l\u00e0 2035 ph\u1ea3i l\u00e0 b\u1ea3o to\u00e0n ti\u1ec1n g\u1eedi (Lu\u1eadt 1997 \u0111\u00e3 \u0111\u1eb7t ra v\u1ea5n \u0111\u1ec1 b\u1ea3o to\u00e0n ti\u1ec1n g\u1eedi).<\/p>\n<p><strong>10. Cho vay ngang h\u00e0ng:<\/strong><\/p>\n<p>C\u00f4ng nh\u1eadn v\u00e0 khuy\u1ebfn kh\u00edch<\/p>\n<p><strong>11. Nhi\u1ec1u c\u00e1c kh\u00e1c n\u1eefa.<\/strong><\/p>\n<p><em>H\u00e0 N\u1ed9i 01-4-2021\u00a0\u00a0\u00a0<\/em><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/p>\n<p><em>Gi\u00e1m \u0111\u1ed1c <\/em><em>C\u00f4ng ty Lu\u1eadt <\/em><strong><em>ANVI<\/em><\/strong><\/p>\n<p><em>T\u1ea7ng 02, t\u00f2a nh\u00e0 Savina, s\u1ed1 1 \u0110inh L\u1ec5, Tr\u00e0ng Ti\u1ec1n, Ho\u00e0n Ki\u1ebfm, H\u00e0 N\u1ed9i.<\/em><\/p>\n<p><em>E-mail: <\/em><a href=\"mailto:duc.tt@anvilaw.com\"><em>duc.tt@anvilaw.com<\/em><\/a><\/p>\n<p><em>FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (d\u1ea5u <\/em><em>\uf0fc<\/em><em>)<\/em><\/p>\n<p><em>Web: www.anvilaw.com<\/em><\/p>\n<p><em>\u0110T: 090.345.9070<\/em>","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211;\u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI,\u00a0Tr\u1ecdng t\u00e0i vi\u00ean VIAC theo y\u00eau c\u1ea7u c\u1ee7a\u00a0Thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. 1. M\u1ed9t s\u1ed1 lu\u1eadt li\u00ean quan: \u0110\u1ec1 ngh\u1ecb x\u00e2y d\u1ef1ng c\u00e1c lu\u1eadt: Lu\u1eadt Ngo\u1ea1i h\u1ed1i; Lu\u1eadt Thanh to\u00e1n (kh\u00f4ng ch\u1ec9 l\u00e0 h\u1ec7 th\u1ed1ng thanh to\u00e1n; Lu\u1eadt T\u00edn d\u1ee5ng; Lu\u1eadt B\u1ea3o v\u1ec7 ng\u01b0\u1eddi [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2292,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-2290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>358. 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