{"id":23622,"date":"2013-08-26T13:41:05","date_gmt":"2013-08-26T06:41:05","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23622"},"modified":"2022-05-27T13:42:46","modified_gmt":"2022-05-27T06:42:46","slug":"339-dau-tu-cheo-so-huu-cheo-khi-ngan-hang-an-trai-cam","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/339-dau-tu-cheo-so-huu-cheo-khi-ngan-hang-an-trai-cam\/","title":{"rendered":"339. \u0110\u1ea7u t\u01b0 ch\u00e9o, s\u1edf h\u1eefu ch\u00e9o: Khi ng\u00e2n h\u00e0ng \u201c\u0103n tr\u00e1i c\u1ea5m\u201d"},"content":{"rendered":"(HQ) – \u201cMa tr\u1eadn\u201d c\u1ee7a s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o \u0111\u00e3 t\u1ed3n t\u1ea1i t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc trong h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u1ebfn na y v\u1eabn c\u00f2n l\u00e0 v\u1ea5n \u0111\u1ec1 ph\u1ee9c t\u1ea1p, khi\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD kh\u00f4ng minh b\u1ea1ch, g\u00e2y ra nhi\u1ec1u \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c.<\/em><\/strong><\/p>\n

Ph\u00e1p lu\u1eadt c\u1ea5m\u2026<\/strong><\/p>\n

S\u1edf h\u1eefu ch\u00e9o v\u00e0 \u0111\u1ea7u t\u01b0 ch\u00e9o l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. S\u1edf h\u1eefu ch\u00e9o \u1edf m\u1ee9c \u0111\u1ed9 nh\u1ea5t \u0111\u1ecbnh s\u1ebd mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch cho b\u1ea3n th\u00e2n ch\u1ee7 th\u1ec3 TCTD nh\u01b0 h\u1ed7 tr\u1ee3 ngu\u1ed3n v\u1ed1n cho ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0, s\u1ea3n xu\u1ea5t kinh doanh, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n trao \u0111\u1ed5i kinh nghi\u1ec7m, ngu\u1ed3n nh\u00e2n l\u1ef1c, t\u00e0i ch\u00ednh, c\u00f4ng ngh\u1ec7 gi\u1eefa c\u00e1c \u0111\u1ed1i t\u00e1c.<\/p>\n

Tuy nhi\u00ean, trong \u0111i\u1ec1u ki\u1ec7n c\u00e1c c\u00f4ng c\u1ee5 thanh tra, gi\u00e1m s\u00e1t ch\u01b0a hi\u1ec7u qu\u1ea3, s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o d\u1ec5 b\u1ecb l\u1ea1m d\u1ee5ng, t\u1ea1o ra chu\u1ed7i s\u1edf h\u1eefu ph\u1ee9c t\u1ea1p, kh\u00f3 ki\u1ec3m so\u00e1t, d\u1eabn \u0111\u1ebfn c\u00e1c nguy\u00ean t\u1eafc qu\u1ea3n tr\u1ecb DN, qu\u1ea3n tr\u1ecb r\u1ee7i ro kh\u00f4ng \u0111\u01b0\u1ee3c t\u00f4n tr\u1ecdng, ho\u1ea1t \u0111\u1ed9ng kinh doanh k\u00e9m minh b\u1ea1ch, ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng x\u1ea3y ra t\u1ea1i c\u00e1c TCTD khi b\u1ecb nh\u00f3m c\u1ed5 \u0111\u00f4ng thao t\u00fang, li\u00ean k\u1ebft ng\u1ea7m th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay, \u0111\u1ea7u t\u01b0 l\u00f2ng v\u00f2ng l\u1eabn nhau, khi\u1ebfn c\u00e1c c\u01a1 qu\u1ea3n qu\u1ea3n l\u00fd c\u0169ng nh\u01b0 nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c \u0111\u01b0\u1ee3c th\u1ef1c ch\u1ea5t v\u1ed1n v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a TCTD, do \u0111\u00f3 \u0111e d\u1ecda \u0111\u1ebfn an to\u00e0n c\u1ee7a b\u1ea3n th\u00e2n TCTD v\u00e0 c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng.<\/p>\n

Theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, Lu\u1eadt C\u00e1c TCTD n\u0103m 2010 kh\u00f4ng cho ph\u00e9p c\u00e1c TCTD s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n l\u1eabn nhau (Kho\u1ea3n 5 \u0110i\u1ec1u 129), kh\u00f4ng cho ph\u00e9p c\u00e1c c\u00f4ng ty con, c\u00f4ng ty li\u00ean k\u1ebft c\u1ee7a m\u1ed9t TCTD \u0111\u01b0\u1ee3c g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a ch\u00ednh TCTD \u0111\u00f3 (Kho\u1ea3n 2 \u0110i\u1ec1u 135). \u0110\u1ed3ng th\u1eddi, Lu\u1eadt C\u00e1c TCTD c\u0169ng quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n s\u1edf h\u1eefu c\u1ee7a c\u1ed5 \u0111\u00f4ng v\u00e0 nh\u00f3m c\u1ed5 \u0111\u00f4ng t\u1ea1i TCTD (\u0110i\u1ec1u 55 Lu\u1eadt C\u00e1c TCTD). Tuy nhi\u00ean do y\u1ebfu t\u1ed1 l\u1ecbch s\u1eed, tr\u00ean th\u1ef1c t\u1ebf, hi\u1ec7n v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 TCTD g\u00f3p v\u1ed1n t\u1ea1i nhi\u1ec1u TCTD kh\u00e1c ho\u1eb7c c\u00f3 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n l\u1eabn nhau (c\u00e1c hi\u1ec7n t\u01b0\u1ee3ng n\u00e0y x\u1ea3y ra t\u1eeb tr\u01b0\u1edbc khi Lu\u1eadt C\u00e1c TCTD 2010 c\u00f3 hi\u1ec7u l\u1ef1c) ho\u1eb7c c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p TCTD th\u00f4ng qua c\u00e1c c\u00f4ng ty con c\u1ee7a m\u00ecnh s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a TCTD kh\u00e1c ho\u1eb7c c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a TCTD th\u00f4ng qua v\u1ed1n vay c\u1ee7a TCTD ho\u1eb7c DN kh\u00e1c\u2026<\/p>\n

\u2026v\u1eabn vi ph\u1ea1m<\/strong><\/p>\n

Theo \u00f4ng B\u00f9i Huy Th\u1ecd, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Qu\u1ea3n l\u00fd c\u1ea5p ph\u00e9p c\u00e1c TCTD v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, c\u01a1 quan Thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, qua c\u00f4ng t\u00e1c thanh tra, gi\u00e1m s\u00e1t v\u1ea5n \u0111\u1ec1 c\u1ed5 \u0111\u00f4ng, c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu v\u00e0 quan h\u1ec7 t\u00edn d\u1ee5ng c\u1ee7a TCTD v\u1edbi c\u00f4ng ty con, c\u00f4ng ty li\u00ean k\u1ebft\u2026 \u0111\u00e3 th\u1ea5y m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 n\u1ed5i c\u1ed9m, nhi\u1ec1u giao d\u1ecbch s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u00f3 d\u1ea5u hi\u1ec7u b\u1ecb l\u1ea1m d\u1ee5ng, b\u1ecb khai th\u00e1c \u0111\u1ec3 ph\u1ee5c v\u1ee5 m\u1ed9t hay m\u1ed9t s\u1ed1 nh\u00f3m l\u1ee3i \u00edch nh\u1ea5t \u0111\u1ecbnh, t\u1ea1o xung \u0111\u1ed9t l\u1ee3i \u00edch trong ho\u1ea1t \u0111\u1ed9ng TCTD v\u00e0 c\u1ed5 \u0111\u00f4ng, ti\u1ec1m \u1ea9n r\u1ee7i ro \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng TCTD v\u00e0 c\u1ea3 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh. \u00d4ng B\u00f9i Huy Th\u1ecd cho bi\u1ebft c\u1ee5 th\u1ec3, hi\u1ec7n c\u00f3 m\u1ed9t s\u1ed1 c\u1eb7p TCTD c\u00f3 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n tr\u1ef1c ti\u1ebfp l\u1eabn nhau.<\/p>\n

V\u1ec1 th\u1ef1c tr\u1ea1ng m\u1ed9t TCTD s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1ea1i nhi\u1ec1u TCTD kh\u00e1c, s\u1ed1 li\u1ec7u gi\u00e1m s\u00e1t cho th\u1ea5y c\u00f2n nhi\u1ec1u TCTD c\u00f3 c\u1ed5 \u0111\u00f4ng l\u00e0 TCTD kh\u00e1c, trong \u0111\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1ea1i nhi\u1ec1u TCTD. Ngo\u00e0i ra c\u00f2n c\u00f3 th\u1ef1c tr\u1ea1ng m\u1ed9t ng\u00e2n h\u00e0ng c\u00f9ng v\u1edbi c\u00e1c c\u1ed5 \u0111\u00f4ng c\u1ee7a ng\u00e2n h\u00e0ng s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1ea1i nhi\u1ec1u TCTD kh\u00e1c, m\u1ed9t ng\u00e2n h\u00e0ng s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1ea1i m\u1ed9t TCTD \u0111\u1ed3ng th\u1eddi nh\u1eadn \u1ee7y th\u00e1c \u0111\u1ea1i di\u1ec7n cho c\u00e1c c\u1ed5 \u0111\u00f4ng t\u1ea1i ch\u00ednh TCTD \u0111\u00f3 hay m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1ea1i TCTD kh\u00e1c v\u00e0 l\u1ea1i c\u00f3 quan h\u1ec7 vay v\u1ed1n\/ti\u1ec1n g\u1eedi l\u1edbn v\u1edbi TCTD \u0111\u00f3. Theo \u00f4ng Th\u1ecd, m\u1ed9t s\u1ed1 c\u1ed5 \u0111\u00f4ng (k\u1ec3 c\u1ea3 c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n) v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u00f2n n\u1eafm gi\u1eef c\u1ed5 ph\u1ea7n c\u1ee7a TCTD v\u01b0\u1ee3t qu\u00e1 t\u1ef7 l\u1ec7 cho ph\u00e9p theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, \u0111\u1ed3ng th\u1eddi l\u1ea1i c\u00f3 quan h\u1ec7 vay m\u01b0\u1ee3n l\u1edbn \u0111\u1ed1i v\u1edbi TCTD l\u1edbn h\u01a1n c\u1ea3 c\u1ed5 ph\u1ea7n, ho\u1eb7c v\u1ed1n g\u00f3p v\u00e0o TCTD. B\u00ean c\u1ea1nh \u0111\u00f3, m\u1ed9t v\u00e0i ng\u00e2n h\u00e0ng v\u1eabn c\u00f2n t\u1ed3n t\u1ea1i t\u00ecnh tr\u1ea1ng mua tr\u00e1i phi\u1ebfu c\u1ee7a c\u00f4ng ty con ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c ch\u1ee9ng kho\u00e1n, b\u1ea3o hi\u1ec3m (h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng cho c\u00f4ng ty con) ho\u1eb7c \u0111\u1eb7t c\u1ecdc, \u1ee7y th\u00e1c \u0111\u1ea7u t\u01b0 qua c\u00f4ng ty con. Ng\u01b0\u1ee3c l\u1ea1i, c\u00e1c c\u00f4ng ty con c\u0169ng th\u1ef1c hi\u1ec7n nhi\u1ec1u giao d\u1ecbch nh\u01b0 g\u1eedi ti\u1ec1n ho\u1eb7c s\u1edf h\u1eefu c\u1ed5 phi\u1ebfu c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng.<\/p>\n

T\u00e1c \u0111\u1ed9ng x\u1ea5u t\u1edbi n\u1ec1n kinh t\u1ebf<\/strong><\/p>\n

T\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o tr\u01b0\u1edbc h\u1ebft s\u1ebd t\u1ea1o r\u1ee7i ro d\u00f2ng v\u1ed1n \u1ea3o, gi\u1ea3m t\u00ednh minh b\u1ea1ch, gia t\u0103ng r\u1ee7i ro cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. TS. Nguy\u1ec5n Xu\u00e2n Th\u00e0nh, Ch\u01b0\u01a1ng tr\u00ecnh Gi\u1ea3ng d\u1ea1y Kinh t\u1ebf Fulbright (FETP) cho r\u1eb1ng, c\u00e1c c\u1ed5 \u0111\u00f4ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o ph\u1ee5c v\u1ee5 l\u1ee3i \u00edch nh\u00f3m t\u1ea1o ra v\u1ed1n \u1ea3o, l\u1ee3i nhu\u1eadn \u1ea3o\u2026 l\u00e0m c\u01a1 quan qu\u1ea3n l\u00fd, nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1ef1c ch\u1ea5t v\u1ed1n v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a TCTD. S\u1edf h\u1eefu ch\u00e9o h\u00ecnh th\u00e0nh nh\u1eefng kho\u1ea3n v\u1ed1n kh\u1ed5ng l\u1ed3 nh\u01b0ng ch\u1ec9 c\u00f3 tr\u00ean gi\u1ea5y t\u1edd, s\u1ed5 s\u00e1ch m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u01b0a ra th\u1ecb tr\u01b0\u1eddng, kh\u00f4ng ph\u1ee5c v\u1ee5 cho n\u1ec1n kinh t\u1ebf, t\u1ea1o ra t\u00ecnh tr\u1ea1ng t\u0103ng v\u1ed1n \u1ea3o trong c\u00e1c ng\u00e2n h\u00e0ng. Ch\u00ednh k\u1ebft qu\u1ea3 n\u00e0y k\u00e9o theo h\u1ec7 l\u1ee5y l\u00e0m sai l\u1ec7ch v\u1ec1 qu\u1ea3n tr\u1ecb TCTD c\u0169ng nh\u01b0 vi\u1ec7c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng hay gi\u00e1m s\u00e1t \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh n\u00f3i chung.<\/p>\n

Ngo\u00e0i ra, theo c\u00e1c chuy\u00ean gia, s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o c\u00f2n ti\u1ec1m \u1ea9n r\u1ee7i ro h\u1ec7 th\u1ed1ng v\u00e0 b\u00f3p m\u00e9o c\u1ea1nh tranh. Khi c\u00e1c TCTD li\u00ean k\u1ebft th\u00e0nh m\u1ed9t \u201cm\u1ea1ng nh\u1ec7n\u201d s\u1ebd n\u1ea3y sinh \u0111\u1ed9c quy\u1ec1n nh\u00f3m. Li\u00ean minh TCTD n\u00e0y c\u00f3 th\u1ec3 \u0111\u1ee7 s\u1ee9c m\u1ea1nh \u0111\u1ec3 chi ph\u1ed1i l\u00e3i su\u1ea5t, t\u1ef7 gi\u00e1 v\u00e0 k\u1ec3 c\u1ea3 ch\u00ednh s\u00e1ch, d\u1eabn \u0111\u1ebfn r\u1ee7i ro mang t\u00ednh h\u1ec7 th\u1ed1ng. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y x\u00e1o tr\u1ed9n th\u1ecb tr\u01b0\u1eddng v\u00e0 thi\u1ec7t h\u1ea1i cho n\u1ec1n kinh t\u1ebf.<\/p>\n

Ki\u1ec3m so\u00e1t \u201cv\u1ed1n \u1ea3o\u201d<\/strong><\/p>\n

\u0110\u01b0a ra gi\u1ea3i ph\u00e1p cho v\u1ea5n \u0111\u1ec1 n\u00e0y, TS. Nguy\u1ec5n Xu\u00e2n Th\u00e0nh cho r\u1eb1ng, ph\u1ea3i x\u00e1c \u0111\u1ecbnh danh s\u00e1ch c\u1ed5 \u0111\u00f4ng c\u1ea7n \u0111\u1eb7c bi\u1ec7t quan t\u00e2m v\u00e0 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd quan h\u1ec7 t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y. C\u00f2n theo \u00f4ng B\u00f9i Huy Th\u1ecd, \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y, c\u1ea7n ki\u1ec3m so\u00e1t v\u1ea5n \u0111\u1ec1 \u201cv\u1ed1n \u1ea3o\u201d trong h\u1ec7 th\u1ed1ng. Theo \u0111\u00f3, NHNN \u0111\u00e3 v\u00e0 \u0111ang ch\u00fa tr\u1ecdng v\u00e0o c\u00f4ng t\u00e1c x\u00e1c \u0111\u1ecbnh ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng khi tham gia g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n t\u1ea1i TCTD. \u201c\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng l\u00e0 c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 v\u00e0o TCTD l\u00e0 h\u1ee3p ph\u00e1p v\u00e0 ph\u1ea3n \u00e1nh \u0111\u00fang th\u1ef1c ch\u1ea5t n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd, khi xem x\u00e9t vi\u1ec7c t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a c\u00e1c TCTD, NHNN t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c x\u00e1c minh ngu\u1ed3n ti\u1ec1n c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan khi tham gia g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n t\u1ea1i c\u00e1c TCTD th\u00f4ng qua c\u00e1c h\u1ed3 s\u01a1 ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 quan h\u1ec7 t\u00edn d\u1ee5ng t\u1ea1i c\u00e1c TCTD\u201d – \u00f4ng Th\u1ecd cho bi\u1ebft.<\/p>\n

Ngo\u00e0i ra, theo c\u00e1c chuy\u00ean gia, NHNN c\u1ea7n ph\u1ed1i h\u1ee3p v\u1edbi \u1ee6y ban ch\u1ee9ng kho\u00e1n theo d\u00f5i, gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd vi\u1ec7c mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed5 ph\u1ea7n c\u1ee7a c\u00e1c TCTD tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n. C\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd v\u1edbi B\u1ed9 T\u00e0i ch\u00ednh th\u00f4ng qua c\u00e1c c\u01a1 quan thanh tra, gi\u00e1m s\u00e1t chuy\u00ean ng\u00e0nh ch\u1ee9ng kho\u00e1n, b\u1ea3o hi\u1ec3m theo d\u00f5i, ki\u1ec3m tra, gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd c\u00e1c giao d\u1ecbch s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o gi\u1eefa c\u00e1c DN ho\u1ea1t \u0111\u1ed9ng trong c\u00e1c l\u0129nh v\u1ef1c th\u1ecb tr\u01b0\u1eddng ng\u00e2n h\u00e0ng – ch\u1ee9ng kho\u00e1n – b\u1ea3o hi\u1ec3m nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro ti\u1ec1m \u1ea9n v\u00e0 x\u1eed l\u00fd k\u1ecbp th\u1eddi c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh.<\/p>\n

S\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o \u0111\u00e3 v\u00e0 \u0111ang l\u00e0 v\u1ea5n \u0111\u1ec1 n\u1ed5i c\u1ed9m hi\u1ec7n nay trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, kh\u00f4ng nh\u1eefng t\u1ea1o ra r\u1ee7i ro kh\u00f4n l\u01b0\u1eddng, \u0111e d\u1ecda an to\u00e0n h\u1ec7 th\u1ed1ng c\u00e1c TCTD m\u00e0 c\u00f2n cho c\u1ea3 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Vi\u1ec7t Nam. Do v\u1eady, chung tay x\u1eed l\u00fd s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o l\u00e0 vi\u1ec7c m\u00e0 c\u00e1c c\u01a1 quan, ban ng\u00e0nh h\u1eefu quan c\u1ea7n quan t\u00e2m v\u00e0 x\u1eed l\u00fd c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t.<\/p>\n

 <\/p>\n\n\n\n
\u00d4ng \u0110inh Tu\u1ea5n Minh, chuy\u00ean gia kinh t\u1ebf t\u1ea1i Ng\u00e2n h\u00e0ng Qu\u00e2n \u0111\u1ed9i:<\/strong><\/p>\n

X\u00e2y d\u1ef1ng th\u1ecb tr\u01b0\u1eddng v\u1ed1n c\u00f3 chi ph\u00ed giao d\u1ecbch th\u1ea5p<\/em><\/strong><\/p>\n

\u0110\u1ec3 h\u1ea1n ch\u1ebf s\u1edf h\u1eefu ch\u00e9o trong d\u00e0i h\u1ea1n, c\u1ea7n x\u00e2y d\u1ef1ng th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng v\u00e0 th\u1ecb tr\u01b0\u1eddng v\u1ed1n c\u00f3 chi ph\u00ed giao d\u1ecbch th\u1ea5p. Th\u1ecb tr\u01b0\u1eddng n\u00e0y c\u1ea7n m\u1ed9t h\u1ec7 th\u1ed1ng th\u00f4ng tin minh b\u1ea1ch, h\u1ec7 th\u1ed1ng ph\u00e1p l\u00fd t\u1ed1t h\u01a1n (quy\u1ec1n s\u1edf h\u1eefu r\u00f5 r\u00e0ng; ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n d\u1ec5 d\u00e0ng; th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n nhanh). Th\u1ecb tr\u01b0\u1eddng n\u00e0y c\u0169ng c\u1ea7n n\u0103ng l\u1ef1c gi\u00e1m s\u00e1t th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng v\u00e0 th\u1ecb tr\u01b0\u1eddng v\u1ed1n hi\u1ec7u qu\u1ea3 h\u01a1n c\u0169ng nh\u01b0 th\u1ef1c hi\u1ec7n x\u00e2y d\u1ef1ng ch\u1ec9 s\u1ed1 t\u00edn nhi\u1ec7m DN. B\u00ean c\u1ea1nh \u0111\u00f3, c\u0169ng c\u1ea7n chuy\u1ec3n \u0111\u1ed5i nh\u1eadn th\u1ee9c c\u1ee7a c\u00e1c ch\u1ee7 DN v\u1ec1 qu\u1ea3n tr\u1ecb DN d\u1ef1a tr\u00ean m\u1ed1i quan h\u1ec7 gia \u0111\u00ecnh sang quan h\u1ec7 th\u1ecb tr\u01b0\u1eddng c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd.<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng:<\/em><\/strong><\/p>\n

C\u1ea7n minh b\u1ea1ch s\u1ed1 li\u1ec7u<\/em><\/strong><\/p>\n

Vi\u1ec7c s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o \u0111\u00e3 gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00f4ng ph\u1ea3i tu\u00e2n th\u1ee7 h\u1ea7u h\u1ebft c\u00e1c quy \u0111\u1ecbnh \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n, bao g\u1ed3m quy \u0111\u1ecbnh v\u1ec1 an to\u00e0n v\u1ed1n, quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng c\u1ea5p cho m\u1ed9t kh\u00e1ch h\u00e0ng, qui \u0111\u1ecbnh v\u1ec1 h\u1ea1n ch\u1ebf g\u00f3p v\u1ed1n, s\u1edf h\u1eefu ch\u1ee9ng kho\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 quy \u0111\u1ecbnh qu\u1ea3n l\u00fd n\u1ee3 x\u1ea5u. \u0110\u1ea7u t\u01b0 ch\u00e9o, s\u1edf h\u1eefu ch\u00e9o \u0111\u00e3 gi\u00e1n ti\u1ebfp khi\u1ebfn cho vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng kh\u00e1ch quan, quay v\u00f2ng \u0111\u1ea3o n\u1ee3, d\u1eabn \u0111\u1ebfn n\u1ee3 x\u1ea5u. Gi\u1ea3i ph\u00e1p cho v\u1ea5n \u0111\u1ec1 n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1eb7t tr\u00ean m\u1ed9t h\u1ec7 th\u1ed1ng s\u1ed1 li\u1ec7u minh b\u1ea1ch, kh\u00e1ch quan, kh\u00f4ng m\u00f9 m\u1edd th\u00ec m\u1edbi \u0111\u01b0a ra \u0111\u01b0\u1ee3c gi\u1ea3i ph\u00e1p \u0111\u00fang v\u00e0 tr\u00fang.<\/em><\/p>\n

\u00d4ng V\u0169 Vi\u1ebft Ngo\u1ea1n, Ch\u1ee7 t\u1ecbch \u1ee6y ban gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia:<\/strong><\/p>\n

C\u01a1 ch\u1ebf ph\u00e1p lu\u1eadt c\u1ea7n s\u00e2u s\u00e1t v\u1edbi th\u1ef1c t\u1ebf<\/em><\/strong><\/p>\n

B\u1ea3n ch\u1ea5t c\u1ee7a s\u1edf h\u1eefu ch\u00e9o kh\u00f4ng ph\u1ea3i ho\u00e0n to\u00e0n nguy h\u1ea1i, tuy nhi\u00ean s\u1edf h\u1eefu ch\u00e9o d\u1ec5 b\u1ecb l\u1ea1m d\u1ee5ng b\u1edfi n\u00f3 t\u1ea1o c\u01a1 h\u1ed9i \u0111\u1ec3 c\u1ed5 \u0111\u00f4ng chi ph\u1ed1i \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh v\u00e0 s\u1eed d\u1ee5ng \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh nh\u01b0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u1ec3 \u0111\u1ea7u t\u01b0, c\u1ea5p v\u1ed1n theo m\u1ee5c \u0111\u00edch ri\u00eang c\u1ee7a h\u1ecd. H\u1ec7 qu\u1ea3 l\u00e0 d\u1eabn t\u1edbi nh\u1eefng giao d\u1ecbch t\u00e0i ch\u00ednh v\u01b0\u1ee3t ra ngo\u00e0i khu\u00f4n kh\u1ed5 an to\u00e0n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, tho\u00e1t ly kh\u1ecfi v\u00f2ng ki\u1ec3m so\u00e1t c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd. H\u01a1n n\u1eefa, s\u1edf h\u1eefu ch\u00e9o c\u00f2n l\u00e0 m\u1ed9t ch\u1ea5t d\u1eabn g\u00e2y lan truy\u1ec1n r\u1ee7i ro gi\u1eefa c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh, c\u00e1c DN c\u00f3 li\u00ean quan khi c\u1ed5 \u0111\u00f4ng g\u1eb7p kh\u00f3 kh\u0103n trong ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 t\u00e0i ch\u00ednh. Do \u0111\u00f3, c\u01a1 ch\u1ebf ph\u00e1p lu\u1eadt c\u1ea7n ph\u1ea3i s\u00e2u s\u00e1t v\u1edbi hi\u1ec7n t\u01b0\u1ee3ng l\u00e1ch quy \u0111\u1ecbnh hi\u1ec7n nay.<\/em><\/p>\n

TS. Nguy\u1ec5n Xu\u00e2n Th\u00e0nh, Ch\u01b0\u01a1ng tr\u00ecnh Gi\u1ea3ng d\u1ea1y Kinh t\u1ebf Fulbright:<\/strong><\/p>\n

Gi\u1ea3i quy\u1ebft s\u1edf h\u1eefu ch\u00e9o l\u00e0 m\u1ed9t n\u1ed9i dung c\u1ee7a t\u00e1i c\u1ea5u tr\u00fac<\/em><\/strong><\/p>\n

X\u00f3a b\u1ecf s\u1edf h\u1eefu ch\u00e9o l\u00e0 m\u1ed9t n\u1ed9i dung trong n\u1ed7 l\u1ef1c t\u00e1i c\u1ea5u tr\u00fac h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. \u0110\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c vi\u1ec7c n\u00e0y c\u1ea7n gi\u1ea3i quy\u1ebft ba v\u1ea5n \u0111\u1ec1. Th\u1ee9 nh\u1ea5t l\u00e0 tho\u00e1i v\u1ed1n DN Nh\u00e0 n\u01b0\u1edbc kh\u1ecfi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. DN Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 b\u00e1n c\u1ed5 ph\u1ea7n cho m\u1ed9t c\u00f4ng ty qu\u1ea3n l\u00fd v\u1ed1n, sau \u0111\u00f3 b\u00e1n l\u1ea1i cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 b\u00ean ngo\u00e0i theo m\u1ed9t l\u1ed9 tr\u00ecnh nh\u1ea5t \u0111\u1ecbnh. Th\u1ee9 hai l\u00e0 mua b\u00e1n s\u00e1p nh\u1eadp c\u00e1c ng\u00e2n h\u00e0ng, d\u00f9ng mua b\u00e1n, s\u00e1p nh\u1eadp \u0111\u1ec3 gi\u1ea3m s\u1edf h\u1eefu ch\u00e9o. Th\u1ee9 ba l\u00e0 h\u1ea1n ch\u1ebf nh\u1eefng t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c c\u1ee7a s\u1edf h\u1eefu ch\u00e9o b\u1eb1ng c\u00e1ch \u0111\u1ecbnh ngh\u0129a l\u1ea1i kh\u00e1i ni\u1ec7m ng\u01b0\u1eddi c\u00f3 li\u00ean quan, c\u00f4ng b\u1ed1 th\u00f4ng tin minh b\u1ea1ch, r\u00f5 r\u00e0ng v\u00e0 x\u00e2y d\u1ef1ng ch\u1ebf t\u00e0i \u0111\u1ee7 m\u1ea1nh \u0111\u1ec3 h\u1ea1n ch\u1ebf h\u00e0nh vi vi ph\u1ea1m.<\/em><\/p>\n

Huy\u1ec1n B\u1ea3o\u00a0(ghi)<\/em><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

(151\/2.190)<\/p>\n

\n

H\u1ea3i Quan 26-8-2013 (M\u1ee5c Kinh t\u1ebf):<\/em><\/strong><\/p>\n

http:\/\/www.baohaiquan.vn\/pages\/dau-tu-cheo-so-huu-cheo-khi-ngan-hang-an-trai-cam.aspx<\/a><\/em>","protected":false},"excerpt":{"rendered":"

(HQ) – \u201cMa tr\u1eadn\u201d c\u1ee7a s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o \u0111\u00e3 t\u1ed3n t\u1ea1i t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc trong h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u1ebfn na y v\u1eabn c\u00f2n l\u00e0 v\u1ea5n \u0111\u1ec1 ph\u1ee9c t\u1ea1p, khi\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD kh\u00f4ng minh b\u1ea1ch, g\u00e2y ra nhi\u1ec1u \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c. 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