{"id":25767,"date":"2019-12-11T16:15:26","date_gmt":"2019-12-11T09:15:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25767"},"modified":"2022-06-09T21:44:35","modified_gmt":"2022-06-09T14:44:35","slug":"2-391-ban-khoan-ve-nhieu-quy-dinh-moi-thanh-toan-khong-dung-tien-mat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-391-ban-khoan-ve-nhieu-quy-dinh-moi-thanh-toan-khong-dung-tien-mat\/","title":{"rendered":"2.391. B\u0103n kho\u0103n v\u1ec1 nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t"},"content":{"rendered":"
(TBTC) – D\u1ef1 th\u1ea3o ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 101\/2012\/N\u0110-CP \u0111\u00e3 b\u1ed5 sung th\u00eam nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi. Tuy nhi\u00ean, theo nhi\u1ec1u chuy\u00ean gia, d\u1ef1 th\u1ea3o v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 \u0111i\u1ec3m thi\u1ebfu r\u00f5 r\u00e0ng, ch\u01b0a th\u1ef1c s\u1ef1 thuy\u1ebft ph\u1ee5c v\u00e0 c\u1ea7n ti\u1ebfp t\u1ee5c nghi\u00ean c\u1ee9u, xem x\u00e9t, \u0111i\u1ec1u ch\u1ec9nh.<\/strong><\/div>\n
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C\u1ea7n l\u00e0m r\u00f5 n\u1ed9i h\u00e0m ti\u1ec1n di \u0111\u1ed9ng<\/strong><\/p>\n

Ng\u00e0y 11\/12, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam ph\u1ed1i h\u1ee3p t\u1ed5 ch\u1ee9c H\u1ed9i th\u1ea3o l\u1ea5y \u00fd ki\u1ebfn doanh nghi\u1ec7p v\u1ec1 d\u1ef1 th\u1ea3o ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, nh\u1eb1m tham v\u1ea5n \u00fd ki\u1ebfn chuy\u00ean gia, doanh nghi\u1ec7p \u0111\u00f3ng g\u00f3p cho d\u1ef1 th\u1ea3o.<\/p>\n

V\u1ec1 c\u01a1 b\u1ea3n c\u00e1c \u00fd ki\u1ebfn t\u1ea1i h\u1ed9i th\u1ea3o \u0111\u1ec1u cho r\u1eb1ng vi\u1ec7c ban h\u00e0nh ngh\u1ecb \u0111\u1ecbnh thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP l\u00e0 vi\u1ec7c l\u00e0m c\u1ea7n thi\u1ebft v\u00e0 k\u1ecbp th\u1eddi \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp \u0111\u00e1p \u1ee9ng nhu c\u1ea7u th\u1ef1c ti\u1ec5n, c\u0169ng nh\u01b0 c\u00f3 c\u00e1c gi\u1ea3i ph\u00e1p ch\u1eb7t ch\u1ebd \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, nh\u1eb1m ng\u0103n ch\u1eb7n c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n, b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u2026<\/p>\n

Tuy nhi\u00ean, c\u00e1c \u0111\u1ea1i bi\u1ec3u c\u0169ng cho r\u1eb1ng, d\u1ef1 th\u1ea3o v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 \u0111i\u1ec3m thi\u1ebfu r\u00f5 r\u00e0ng, ch\u01b0a th\u1ef1c s\u1ef1 thuy\u1ebft ph\u1ee5c v\u00e0 c\u1ea7n ti\u1ebfp t\u1ee5c nghi\u00ean c\u1ee9u, \u0111i\u1ec1u ch\u1ec9nh. M\u1ed9t trong s\u1ed1 \u0111\u00f3 l\u00e0 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 kh\u00e1i ni\u1ec7m m\u1edbi l\u00e0 ti\u1ec1n di \u0111\u1ed9ng.<\/p>\n\n\n\n\n
\"D\u1ef1<\/em><\/td>\n<\/tr>\n
To\u00e0n c\u1ea3nh h\u1ed9i th\u1ea3o. \u1ea2nh: D.T<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo quy \u0111\u1ecbnh t\u1ea1i d\u1ef1 th\u1ea3o, ti\u1ec1n \u0111i\u1ec7n t\u1eed l\u00e0 gi\u00e1 tr\u1ecb ti\u1ec1n t\u1ec7 l\u01b0u tr\u1eef tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c tr\u1ea3 tr\u01b0\u1edbc b\u1edfi kh\u00e1ch h\u00e0ng cho ng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch thanh to\u00e1n v\u00e0 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u1ee9ng t\u1ea1i ng\u00e2n h\u00e0ng, bao g\u1ed3m: th\u1ebb tr\u1ea3 tr\u01b0\u1edbc, v\u00ed \u0111i\u1ec7n t\u1eed, ti\u1ec1n di \u0111\u1ed9ng.<\/p>\n

Ti\u1ec1n di \u0111\u1ed9ng l\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed do t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n kinh doanh d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng ph\u00e1t h\u00e0nh v\u00e0 \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u01a1 s\u1edf d\u1eef li\u1ec7u thu\u00ea bao di \u0111\u1ed9ng.<\/p>\n

G\u00f3p \u00fd v\u1ec1 quy \u0111\u1ecbnh n\u00e0y, \u0111\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng K\u1ef9 th\u01b0\u01a1ng Vi\u1ec7t Nam (Techcombank) cho r\u1eb1ng, v\u1edbi \u0111\u1ecbnh ngh\u0129a v\u1ec1 ti\u1ec1n di \u0111\u1ed9ng theo nh\u01b0 d\u1ef1 th\u1ea3o th\u00ec ti\u1ec1n di \u0111\u1ed9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 m\u1ed9t lo\u1ea1i\/h\u00ecnh th\u1ee9c ti\u1ec1n t\u1ec7. M\u1eb7t kh\u00e1c, ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a trong c\u00f9ng d\u1ef1 th\u1ea3o l\u00e0 \u201cgi\u00e1 tr\u1ecb ti\u1ec1n t\u1ec7 l\u01b0u tr\u1eef tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c tr\u1ea3 tr\u01b0\u1edbc b\u1edfi kh\u00e1ch h\u00e0ng cho ng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch thanh to\u00e1n v\u00e0 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u1ee9ng t\u1ea1i ng\u00e2n h\u00e0ng, bao g\u1ed3m: th\u1ebb tr\u1ea3 tr\u01b0\u1edbc, v\u00ed \u0111i\u1ec7n t\u1eed, ti\u1ec1n di \u0111\u1ed9ng\u201d.<\/p>\n

Nh\u01b0 v\u1eady, theo \u0111\u1ecbnh ngh\u0129a n\u00e0y th\u00ec r\u00f5 r\u00e0ng ti\u1ec1n di \u0111\u1ed9ng l\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t lo\u1ea1i\/h\u00ecnh th\u1ee9c ti\u1ec1n t\u1ec7, m\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t \u0111\u1ea1i l\u01b0\u1ee3ng th\u1ec3 hi\u1ec7n\/th\u01b0\u1edbc \u0111o gi\u00e1 tr\u1ecb c\u1ee7a ti\u1ec1n t\u1ec7 l\u01b0u tr\u1eef tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed. Nh\u01b0ng n\u1ebfu ch\u1ec9 l\u00e0 (th\u01b0\u1edbc \u0111o) gi\u00e1 tr\u1ecb th\u00ec t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n hay b\u1ea5t c\u1ee9 t\u1ed5 ch\u1ee9c n\u00e0o kh\u00e1c c\u0169ng kh\u00f4ng th\u1ec3 \u201cph\u00e1t h\u00e0nh\u201d \u0111\u01b0\u1ee3c ti\u1ec1n di \u0111\u1ed9ng, nh\u01b0 n\u00eau trong d\u1ef1 th\u1ea3o..<\/p>\n

T\u1eeb ph\u00e2n t\u00edch tr\u00ean, theo \u0111\u1ec1 xu\u1ea5t c\u1ee7a Techombank, ban so\u1ea1n th\u1ea3o c\u1ea7n xem x\u00e9t l\u00e0m r\u00f5 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 trong d\u1ef1 th\u1ea3o nh\u01b0, ti\u1ec1n di \u0111\u1ed9ng c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t lo\u1ea1i ti\u1ec1n t\u1ec7 hay kh\u00f4ng?; c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n kinh doanh d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng ph\u00e1t h\u00e0nh ti\u1ec1n di \u0111\u1ed9ng theo c\u01a1 ch\u1ebf, c\u00e1ch th\u1ee9c n\u00e0o?; c\u00e1ch th\u1ee9c v\u1eadn h\u00e0nh c\u1ee7a ti\u1ec1n di \u0111\u1ed9ng?<\/p>\n

\u0110\u1ed1i v\u1edbi quy \u0111\u1ecbnh v\u1ec1 ti\u1ec1n \u0111i\u1ec7n t\u1eed, \u0111\u1ea1i di\u1ec7n Techcombank g\u00f3p \u00fd, ban so\u1ea1n th\u1ea3o c\u1ea7n s\u1eeda \u0111\u1ed5i l\u1ea1i d\u1ef1 th\u1ea3o theo h\u01b0\u1edbng quy \u0111\u1ecbnh r\u00f5 ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong thanh to\u00e1n h\u1ee3p ph\u00e1p \u1edf Vi\u1ec7t Nam ph\u1ea3i l\u00e0 ti\u1ec1n \u0111\u01b0\u1ee3c s\u1ed1 h\u00f3a t\u1eeb ti\u1ec1n \u0111\u1ed3ng v\u00e0 vi\u1ec7c ph\u00e1t h\u00e0nh ph\u1ea3i th\u00f4ng qua n\u1ed1i k\u1ebft v\u1edbi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng (\u0111\u1ec3 \u0111\u1ea3m b\u1ea3o nguy\u00ean t\u1eafc kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n…). B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea7n b\u1ed5 sung th\u00eam quy \u0111\u1ecbnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m x\u00e1c \u0111\u1ecbnh \u0111\u00fang v\u00e0 ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa ti\u1ec1n \u0111i\u1ec7n t\u1eed (lo\u1ea1i ti\u1ec1n h\u1ee3p ph\u00e1p) v\u00e0 ti\u1ec1n \u1ea3o\/ti\u1ec1n m\u00e3 h\u00f3a (ch\u01b0a \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn h\u1ee3p ph\u00e1p). Ngo\u00e0i ra, c\u1ea7n c\u00e2n nh\u1eafc b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh nh\u1eb1m t\u0103ng c\u01b0\u1eddng c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o m\u1eadt, b\u1ea3o \u0111\u1ea3m an to\u00e0n cho ng\u01b0\u1eddi d\u00f9ng ti\u1ec1n \u0111i\u1ec7n t\u1eed.<\/p>\n

C\u0169ng g\u00f3p \u00fd v\u1ec1 kh\u00e1i ni\u1ec7m m\u1edbi \u201cti\u1ec1n di \u0111\u1ed9ng\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span> cho r\u1eb1ng, kh\u00e1i ni\u1ec7m \u201cti\u1ec1n di \u0111\u1ed9ng\u201d l\u00e0 kh\u00f4ng r\u00f5 r\u00e0ng, d\u1ec5 g\u00e2y nh\u1ea7m l\u1eabn v\u1edbi t\u00ednh ch\u1ea5t quan tr\u1ecdng nh\u1ea5t c\u1ee7a ti\u1ec1n t\u1ec7 l\u00e0 t\u00ednh l\u01b0u th\u00f4ng hay l\u00e0 l\u01b0u \u0111\u1ed9ng, di \u0111\u1ed9ng, m\u00e0 v\u1ebf kia c\u1ee7a n\u00f3 ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 s\u1ef1 t\u01b0\u01a1ng \u1ee9ng l\u00e0 \u201cti\u1ec1n c\u1ed1 \u0111\u1ecbnh\u201d. \u201cV\u00ec v\u1eady, c\u1ea7n s\u1eeda l\u1ea1i kh\u00e1i ni\u1ec7m n\u00e0y, ch\u1eb3ng h\u1ea1n nh\u01b0 \u201cti\u1ec1n \u0111i\u1ec7n t\u1eed tr\u00ean thu\u00ea bao di \u0111\u1ed9ng\u201d hay \u201cti\u1ec1n tr\u00ean thu\u00ea bao di \u0111\u1ed9ng\u201d \u2013 \u00f4ng \u0110\u1ee9c g\u00f3p \u00fd.<\/p>\n

Th\u1eadn tr\u1ecdng khi quy \u0111\u1ecbnh phong t\u1ecfa t\u00e0i kho\u1ea3n vi ph\u1ea1m ph\u00e1p lu\u1eadt<\/strong><\/p>\n

M\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u1eefa \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ea1i bi\u1ec3u t\u1ea1i h\u1ed9i th\u1ea3o quan t\u00e2m l\u00e0 quy \u0111\u1ecbnh phong t\u1ecfa t\u00e0i kho\u1ea3n thanh to\u00e1n gian l\u1eadn, vi ph\u1ea1m ph\u00e1p lu\u1eadt. C\u1ee5 th\u1ec3, d\u1ef1 th\u1ea3o ngh\u1ecb \u0111\u1ecbnh b\u1ed5 sung m\u1ed9t tr\u01b0\u1eddng h\u1ee3p phong t\u1ecfa t\u00e0i kho\u1ea3n \u0111\u00f3 l\u00e0: \u201cKhi t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n ph\u00e1t hi\u1ec7n v\u00e0 c\u00f3 b\u1eb1ng ch\u1ee9ng v\u1ec1 vi\u1ec7c t\u00e0i kho\u1ea3n thanh to\u00e1n gian l\u1eadn, vi ph\u1ea1m ph\u00e1p lu\u1eadt\u201d.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, ph\u1ea3i h\u1ebft s\u1ee9c th\u1eadn tr\u1ecdng khi quy \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng b\u1ecb l\u1ee3i d\u1ee5ng g\u00e2y r\u1ee7i ro r\u1ea5t l\u1edbn cho c\u00e1c b\u00ean li\u00ean quan. Ch\u1eb3ng h\u1ea1n nh\u01b0 b\u00ean thanh to\u00e1n \u0111\u00e3 chuy\u1ec3n ti\u1ec1n th\u00e0nh c\u00f4ng, b\u00ean b\u00e1n h\u00e0ng ho\u00e0n to\u00e0n tin t\u01b0\u1edfng giao h\u00e0ng, nh\u01b0ng sau \u0111\u00f3 b\u1ea5t c\u1ee9 khi n\u00e0o c\u0169ng c\u00f3 th\u1ec3 b\u1ecb phong t\u1ecfa t\u00e0i kho\u1ea3n v\u00e0 kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n.<\/p>\n

Chia s\u1ebb th\u00eam, theo \u00f4ng \u0110\u1ee9c, \u00fd \u0111\u1ecbnh c\u01a1 quan so\u1ea1n th\u1ea3o \u0111\u01b0a ra quy \u0111\u1ecbnh n\u00e0y c\u00f3 th\u1ec3 v\u00ec m\u1ee5c \u0111\u00edch t\u1ed1t, nh\u1eb1m h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng chuy\u1ec3n ti\u1ec1n nh\u1ea7m l\u1eabn (kh\u00f4ng ph\u1ea3i l\u1ed7i c\u1ee7a ng\u00e2n h\u00e0ng) nh\u01b0ng kh\u00f3 kh\u0103n, th\u1eadm ch\u00ed kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c ti\u1ec1n \u0111\u00e3 x\u1ea3y ra tr\u00ean th\u1ef1c t\u1ebf. Tuy nhi\u00ean, \u00f4ng \u0110\u1ee9c cho r\u1eb1ng, quy \u0111\u1ecbnh n\u00e0y ch\u1ec9 h\u1ee3p l\u00fd trong tr\u01b0\u1eddng h\u1ee3p ng\u0103n ch\u1eb7n t\u1ed9i ph\u1ea1m th\u1ef1c s\u1ef1 ho\u1eb7c c\u00f9ng l\u1eafm l\u00e0 khi \u0111\u00e3 th\u1ef1c hi\u1ec7n l\u1ec7nh chuy\u1ec3n kho\u1ea3n nh\u01b0ng ti\u1ec1n v\u1eabn ch\u01b0a chuy\u1ec3n sang t\u00e0i kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng kh\u00e1c.<\/p>\n

\u201cV\u00ec v\u1eady c\u1ea7n b\u1ecf quy \u0111\u1ecbnh n\u00e0y ho\u1eb7c di\u1ec5n gi\u1ea3i m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3, \u0111\u1ec3 c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c b\u00ean n\u00e0y nh\u01b0ng \u0111\u1ed3ng th\u1eddi tr\u00e1nh g\u00e2y r\u1ee7i ro cho b\u00ean kia. Nh\u1ea5t l\u00e0 v\u1ec1 nguy\u00ean t\u1eafc, th\u00ec vi\u1ec7c r\u1ee7i ro khi chuy\u1ec3n kho\u1ea3n nh\u1ea7m l\u1eabn th\u00ec \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh kh\u00e1c c\u1ee7a ph\u00e1p lu\u1eadt x\u1eed l\u00fd, v\u00ed d\u1ee5 nh\u01b0 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1, h\u00e0nh ch\u00ednh v\u00e0 h\u00ecnh s\u1ef1\u201d \u2013 \u00f4ng \u0110\u1ee9c khuy\u1ebfn ngh\u1ecb.\/.<\/p>\n<\/div>\n

Di\u1ec7u Thi\u1ec7n<\/strong><\/div>\n

——————<\/p>\n

Th\u1eddi b\u00e1o T\u00e0i ch\u00ednh (Ti\u1ec1n t\u1ec7 – B\u1ea3o hi\u1ec3m) 11-12-2019:<\/em><\/strong><\/p>\n

http:\/\/thoibaotaichinhvietnam.vn\/pages\/tien-te-bao-hiem\/2019-12-11\/ban-khoan-ve-nhieu-quy-dinh-moi-thanh-toan-khong-dung-tien-mat-80175.aspx<\/em><\/a><\/p>\n

(438\/1.271)<\/em>","protected":false},"excerpt":{"rendered":"

(TBTC) – D\u1ef1 th\u1ea3o ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 101\/2012\/N\u0110-CP \u0111\u00e3 b\u1ed5 sung th\u00eam nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi. Tuy nhi\u00ean, theo nhi\u1ec1u chuy\u00ean gia, d\u1ef1 th\u1ea3o v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 \u0111i\u1ec3m thi\u1ebfu r\u00f5 r\u00e0ng, ch\u01b0a th\u1ef1c s\u1ef1 thuy\u1ebft ph\u1ee5c v\u00e0 c\u1ea7n ti\u1ebfp t\u1ee5c nghi\u00ean […]<\/p>\n","protected":false},"author":10,"featured_media":25749,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-25767","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.391. 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