{"id":26201,"date":"2014-01-24T22:08:09","date_gmt":"2014-01-24T15:08:09","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26201"},"modified":"2022-06-12T12:16:45","modified_gmt":"2022-06-12T05:16:45","slug":"209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\/","title":{"rendered":"209a. \u0110\u1ed1i \u0111\u00e1p v\u1edbi Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 VietinBank t\u1ea1i phi\u00ean to\u00e0 x\u1eed Huy\u1ec1n Nh\u01b0"},"content":{"rendered":"(ANVI) \u2013 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0111\u1ed1i \u0111\u00e1p v\u1edbi Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 Vietinbank ng\u00e0y 21-01-2014 b\u1ea3o v\u1ec7 NAVIBANK t\u1ea1i Phi\u00ean to\u00e0 s\u01a1 th\u1ea9m x\u1eed Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 L\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n t\u1ea1i TP H\u1ed3 Ch\u00ed Minh.<\/p>\n

K\u00ednh th\u01b0a H\u1ed9i \u0111\u1ed3ng x\u00e9t x\u1eed!<\/p>\n

T\u00f4i l\u00e0 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a NAVIBANK, xin tranh lu\u1eadn v\u1edbi Vi\u1ec7n Ki\u1ec3m s\u00e1t v\u00e0 VietinBank nh\u1eefng v\u1ea5n \u0111\u1ec1 sau:<\/p>\n

1. V\u1ec1 vi\u1ec7c giao d\u1ecbch ngo\u00e0i tr\u1ee5 s\u1edf VietinBank:<\/strong><\/p>\n

1.1. Vi\u1ec7n ki\u1ec3m s\u00e1t cho r\u1eb1ng kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 vi\u1ec7c \u0111\u1ebfn t\u1eadn n\u01a1i ph\u1ee5c v\u1ee5 c\u00e1 nh\u00e2n g\u1eedi ti\u1ec1n. V\u00ec l\u00e0 giao d\u1ecbch ngo\u00e0i lu\u1ed3ng, kh\u00f4ng \u0111\u1ebfn \u0111\u1ecba \u0111i\u1ec3m giao d\u1ecbch, n\u00ean d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 r\u1ee7i ro l\u1edbn.<\/p>\n

1.2. Trang web c\u1ee7a VietinBank t\u1ea1i bu\u1ed5i s\u00e1ng h\u00f4m nay, 21-01-2014 c\u00f3 15 s\u1ea3n ph\u1ea9m ti\u1ec1n g\u1eedi c\u00e1c lo\u1ea1i d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, nh\u01b0 Ti\u1ec1n g\u1eedi thanh to\u00e1n, Ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n th\u00f4ng th\u01b0\u1eddng,\u2026 kh\u00e1ch h\u00e0ng \u0111\u1ec1u \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ed9t trong c\u00e1c l\u1ee3i \u00edch l\u00e0: \u201c\u0110\u01b0\u1ee3c cung c\u1ea5p d\u1ecbch v\u1ee5 thu\/chi ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i nh\u00e0 (n\u1ebfu c\u00f3 nhu c\u1ea7u)<\/em>\u201d.<\/p>\n

2. V\u1ec1 vi\u1ec7c tin t\u01b0\u1edfng v\u00e0o b\u1ecb c\u00e1o Nh\u01b0 v\u00f4 c\u0103n c\u1ee9<\/strong><\/p>\n

2.1. \u0110\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t cho r\u1eb1ng, n\u1ebfu NAVIBANK tin t\u01b0\u1edfng v\u00e0o b\u1ecb c\u00e1o Nh\u01b0 c\u00f3 c\u0103n c\u1ee9 th\u00ec \u0111\u00e3 kh\u00f4ng x\u1ea3y ra h\u1eadu qu\u1ea3 v\u00e0 \u0111\u00e3 kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c h\u1eadu qu\u1ea3.<\/p>\n

2.2. NAVIBANK tin t\u01b0\u1edfng c\u00f3 c\u0103n c\u1ee9 th\u00ec m\u1edbi c\u00f3 \u0111\u1ea7y \u0111\u1ee7 c\u01a1 s\u1edf ph\u00e1p l\u00fd y\u00eau c\u1ea7u VietinBank ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m tr\u1ea3 ti\u1ec1n:<\/p>\n

– Nh\u01b0 l\u00e0 ng\u01b0\u1eddi c\u00f3 ch\u1ee9c v\u1ee5, quy\u1ec1n h\u1ea1n th\u1eadt c\u1ee7a Vietinbank;<\/p>\n

– Nh\u01b0 l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c Vietinbank khen th\u01b0\u1edfng \u0111i\u1ec3n h\u00ecnh xu\u1ea5t s\u1eafc, mang l\u1ea1i th\u00e0nh t\u00edch, k\u1ebft qu\u1ea3 kinh doanh t\u1ed1t cho VietinBank;<\/p>\n

– VietinBank \u0111\u00e3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c huy \u0111\u1ed9ng, s\u1eed d\u1ee5ng v\u1ed1n huy \u0111\u1ed9ng v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn s\u1ed1 ti\u1ec1n huy \u0111\u1ed9ng.<\/p>\n

– Kh\u00f4ng tin nh\u1ea7m v\u00e0o Nh\u01b0, m\u00e0 tin nh\u1ea7m v\u00e0o VietinBank. \u0110\u00e3 tin nh\u1ea7m v\u00e0o VietinBank, n\u00ean b\u00e2y gi\u1edd ph\u1ea3i ra To\u00e0 \u0111\u00f2i ti\u1ec1n Vietinbank.<\/p>\n

2.3. C\u00f2n n\u1ebfu tin v\u00e0o b\u1ecb c\u00e1o Nh\u01b0 c\u00f3 c\u0103n c\u1ee9, s\u1ebd kh\u00f4ng m\u1ea5t ti\u1ec1n, th\u00ec VietinBank \u0111\u00e3 tin v\u00e0o b\u1ecb c\u00e1o Nh\u01b0 c\u00f3 c\u0103n c\u1ee9, v\u00ec Vi\u1ec7n ki\u1ec3m s\u00e1t cho r\u1eb1ng VietinBank kh\u00f4ng m\u1ea5t ti\u1ec1n. Nh\u01b0 v\u1eady, trong v\u1ee5 \u0111\u1ea1i \u00e1n l\u1eeba \u0111\u1ea3o n\u00e0y, VietinBank tin v\u00e0o Huy\u1ec1n Nh\u01b0 l\u00e0 c\u00f3 c\u0103n c\u1ee9, th\u00ec t\u1ea1i sao l\u1ea1i cho r\u1eb1ng NAVIBANK tin v\u00e0o Huy\u1ec1n Nh\u01b0 kh\u00f4ng c\u00f3 c\u0103n c\u1ee9?<\/p>\n

2.4. V\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t cho r\u1eb1ng: Ch\u01b0a c\u00f3 tr\u01b0\u1eddng h\u1ee3p n\u00e0o th\u1ef1c hi\u1ec7n g\u1eedi ti\u1ec1n theo \u0111\u00fang quy \u0111\u1ecbnh m\u00e0 m\u1ea5t ti\u1ec1n. \u0110i\u1ec1u \u0111\u00f3 l\u00e0 ho\u00e0n to\u00e0n \u0111\u00fang, nh\u01b0ng kh\u00f4ng th\u1ec3 mang \u0111i\u1ec1u n\u00e0y ra \u0111\u1ec3 ch\u1ee9ng minh cho vi\u1ec7c \u1edf \u0111\u00e2y m\u1ea5t ti\u1ec1n l\u00e0 do g\u1eedi ti\u1ec1n kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh. \u0110i\u1ec1u \u0111\u00f3 ch\u1ec9 c\u00f3 th\u1ec3 ch\u1ee9ng minh r\u1eb1ng, c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng bao gi\u1edd t\u1eeb ch\u1ed1i thanh to\u00e1n ti\u1ec1n g\u1eedi h\u1ee3p ph\u00e1p c\u1ee7a kh\u00e1ch h\u00e0ng nh\u01b0 VietinBank.<\/p>\n

3. V\u1ec1 vi\u1ec7c c\u00e1c H\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n l\u00e0 gi\u1ea3 v\u1edbi VietinBank:<\/strong><\/p>\n

3.1. V\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t cho r\u1eb1ng, c\u00e1c H\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n t\u1ea1i VietinBank l\u00e0 th\u1eadt v\u1edbi NAVIBANK, gi\u1ea3 v\u1edbi VietinBank.<\/p>\n

3.2. \u0110\u00e2y l\u00e0 vi\u1ec7c \u0111\u00e1nh tr\u00e1o kh\u00e1i ni\u1ec7m, ch\u1ec9 c\u00f3 ph\u1ea7n v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t m\u1edbi l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1eadt v\u1edbi NAVIBANK, gi\u1ea3 v\u1edbi VietinBank, c\u00f2n ph\u1ea7n ti\u1ec1n g\u1eedi g\u1ed1c v\u00e0 l\u00e3i su\u1ea5t 14%\/n\u0103m l\u00e0 th\u1eadt 100% v\u1edbi c\u1ea3 hai b\u00ean NAVIBANK v\u00e0 VietinBank.<\/p>\n

3.3. C\u00e1c h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n n\u1ed9i dung th\u1eadt, ch\u1eef k\u00fd th\u1eadt, con d\u1ea5u th\u1eadt c\u1ee7a VietinBank th\u00ec VKS cho r\u1eb1ng l\u00e0 h\u1ee3p \u0111\u1ed3ng gi\u1ea3, c\u00f2n c\u00e1c l\u1ec7nh chi c\u00f3 n\u1ed9i dung gi\u1ea3, ch\u1eef k\u00fd gi\u1ea3, con d\u1ea5u gi\u1ea3 m\u00e0 VietinBank l\u00e0m c\u01a1 s\u1edf chuy\u1ec3n m\u1ea5t ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng, th\u00ec VKS cho l\u00e0 th\u1eadt.<\/p>\n

3..4 V\u00ec v\u1eady VKS \u0111\u00e3 kh\u00f4ng tranh lu\u1eadn v\u1ec1 c\u00e1c L\u1ec7nh chi, ch\u1ee9ng t\u1eeb quy\u1ebft \u0111\u1ecbnh vi\u1ec7c s\u1ed1 ti\u1ec1n b\u1ecb chi\u1ebfm \u0111oat, ch\u1ec9 v\u00ec t\u00f4i g\u1ecdi \u0111\u00f3 l\u00e0 L\u1ec7nh chi gi\u1ea3, c\u00f2n VKS g\u1ecdi l\u00e0 gi\u1ea3 L\u1ec7nh chi, t\u1ee9c L\u1ec7nh chi b\u1ecb Huy\u1ec1n Nh\u01b0 l\u00e0m gi\u1ea3, nh\u01b0ng VKS cho r\u1eb1ng \u0111\u1ed1i v\u1edbi VietinBank l\u00e0 th\u1eadt.<\/p>\n

4. V\u1ec1 vi\u1ec7c VietinBank kh\u00f4ng nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a nh\u00e2n vi\u00ean NAVIBANK:<\/strong><\/p>\n

4.1. \u0110\u1ea1i di\u1ec7n vi\u1ec7n ki\u1ec3m s\u00e1t cho r\u1eb1ng: NAVIBANK kh\u00f4ng c\u00f3 ch\u1ee9ng c\u1ee9 x\u00e1c nh\u1eadn \u0111\u00e3 giao ti\u1ec1n cho VietinBank (ch\u1ee9 kh\u00f4ng ph\u1ea3i cho Nh\u01b0).<\/p>\n

4.2. T\u00f4i kh\u00f4ng th\u1ec3 hi\u1ec3u n\u1ed5i t\u1ea1i sao \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y, m\u00e0 v\u1ecb \u0111\u1ea1i \u0111i\u1ec7n Vi\u1ec7n Ki\u1ec3m s\u00e1t v\u1eabn cho r\u1eb1ng, NAVIBANK kh\u00f4ng c\u00f3 ch\u1ee9ng c\u1ee9 x\u00e1c nh\u1eadn \u0111\u00e3 giao ti\u1ec1n cho VietinBank. Ch\u00ednh VietinBank c\u0169ng kh\u00f4ng d\u00e1m n\u00f3i nh\u01b0 v\u1eady. Ch\u1eb3ng nh\u1ebd t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng m\u1edf t\u1ea1i VietinBank v\u00e0 g\u1eedi ti\u1ec1n v\u00e0o VietinBank r\u00e0nh r\u00e0nh m\u00e0 l\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 g\u1eedi ti\u1ec1n v\u00e0o VietinBank. T\u00e0i kho\u1ea3n c\u0169ng nh\u01b0 ti\u1ec1n g\u1eedi \u0111\u00e3 v\u00e0 \u0111ang \u0111\u01b0\u1ee3c VietinBank qu\u1ea3n l\u00fd trong h\u1ec7 th\u1ed1ng t\u00e0i kho\u1ea3n v\u00e0 s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n ch\u00ednh th\u1ee9c c\u1ee7a VietinBank.<\/p>\n

4.3. V\u1ea5n \u0111\u1ec1 c\u1ed1t l\u00f5i \u0111\u1ed1i v\u1edbi NAVIBANK l\u00e0 ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u00fang v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng. Ch\u1ec9 c\u00f3 vi\u1ec7c chuy\u1ec3n qua l\u1ea1i trong ch\u00ednh t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng (nh\u01b0 t\u1eeb t\u00e0i kho\u1ea3n kh\u00f4ng k\u1ef3 h\u1ea1n sang t\u00e0i kho\u1ea3n c\u00f3 k\u1ef3 h\u1ea1n), th\u00ec m\u1edbi l\u00e0 h\u1ee3p ph\u00e1p v\u00e0 \u0111\u00fang tho\u1ea3 thu\u1eadn, ch\u1ee9 kh\u00f4ng th\u1ec3 tu\u1ef3 ti\u1ec7n chuy\u1ec3n ti\u1ec1n kh\u1ecfi t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

5. V\u1ec1 vi\u1ec7c ng\u01b0\u1eddi g\u1eedi ti\u1ec1n kh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m:<\/strong><\/p>\n

5.1. V\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 Lu\u1eadt s\u01b0 b\u1ea3o v\u1ec7 VietinBank cho r\u1eb1ng: B\u1ea5t k\u1ec3 g\u1eedi ti\u1ebft ki\u1ec7m, hay g\u1eedi ti\u1ec1n kh\u00e1c, VietinBank \u0111\u1ec1u ph\u00e1t h\u00e0nh ch\u1ee9ng nh\u1eadn ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 c\u1ee7a VietinBank. V\u00ec ng\u01b0\u1eddi g\u1eedi ti\u1ec1n kh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m, kh\u00f4ng qu\u1ea3n l\u00fd s\u1ed1 ti\u1ec1n, kh\u00f4ng bi\u1ebft t\u1ef1 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh, n\u00ean \u0111\u1ec3 Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t.<\/p>\n

5.2. T\u00f4i v\u1eabn cho r\u1eb1ng \u0111\u00e2y l\u00e0 nh\u1eadn \u0111\u1ecbnh \u201csai l\u1ea7m \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng v\u1ec1 ph\u00e1p l\u00fd, tr\u00e1i ho\u00e0n to\u00e0n v\u1edbi th\u1ef1c t\u1ebf v\u00e0 ng\u01b0\u1ee3c v\u1edbi b\u1ea3n ch\u1ea5t s\u1ef1 vi\u1ec7c\u201d, v\u00ec nh\u1eefng l\u00fd do sau:<\/p>\n

– C\u00e1c H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi m\u00e0 c\u00e1c nh\u00e2n vi\u00ean NAVIBANK g\u1eedi t\u1ea1i VietinBank Nh\u00e0 B\u00e8, \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ea5t to\u00e1n, c\u00f3 n\u1ed9i dung t\u1ea1i \u0111i\u1ec3m a, kho\u1ea3n 2.2, \u0110i\u1ec1u 2 nh\u01b0 sau:<\/p>\n

\u201c2.2 Khi h\u1ee3p \u0111\u1ed3ng \u0111\u1ebfn h\u1ea1n:<\/em><\/p>\n

a)\u00a0<\/em>Tr\u01b0\u1eddng h\u1ee3p B\u00ean A kh\u00f4ng c\u00f3 nhu c\u1ea7u g\u1eedi ti\u1ebfp, B\u00ean A ph\u1ea3i xu\u1ea5t tr\u00ecnh b\u1ea3n g\u1ed1c H\u1ee3p \u0111\u1ed3ng n\u00e0y cho B\u00ean B. B\u00ean B c\u00f3 tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 v\u1ed1n g\u1ed1c v\u00e0 l\u00e3i \u0111\u1ea7y \u0111\u1ee7, \u0111\u00fang h\u1ea1n cho B\u00ean A theo nh\u01b0 \u0110i\u1ec1u 1 v\u00e0 \u0110i\u1ec1u 2 c\u1ee7a H\u1ee3p \u0111\u1ed3ng n\u00e0y v\u00e0o t\u00e0i kho\u1ea3n theo ch\u1ec9 \u0111\u1ecbnh c\u1ee7a B\u00ean A.\u201d<\/em><\/p>\n

C\u00e1c h\u1ee3p \u0111\u1ed3ng n\u00e0y \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n ti\u1ec1n g\u1eedi v\u00e0o v\u00e0 r\u00fat ti\u1ec1n g\u1eedi ra t\u1eeb VietinBank xong xu\u00f4i, kh\u00f4ng c\u00f3 g\u00ec v\u01b0\u1edbng m\u1eafc. L\u00e0m g\u00ec c\u00f3 th\u1ebb ti\u1ebft ki\u1ec7m, v\u00e0 \u0111\u00e2u c\u1ea7n \u0111\u1ebfn th\u1ebb ti\u1ebft ki\u1ec7m?<\/p>\n

– C\u00e1c H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi m\u00e0 c\u00e1c nh\u00e2n vi\u00ean NAVIBANK g\u1eedi 200 t\u1ef7 \u0111\u1ed3ng t\u1ea1i VietinBank HCM, c\u00f3 n\u1ed9i dung t\u1ea1i \u0110i\u1ec1u 2 nh\u01b0 sau:<\/p>\n

\u201c\u0110I\u1ec0U 2: Khi H\u1ee3p \u0111\u1ed3ng \u0111\u1ebfn h\u1ea1n:<\/em><\/p>\n

– B\u00ean B c\u00f3 tr\u00e1ch nhi\u1ec7m thanh to\u00e1n \u0111\u1ee7 ti\u1ec1n g\u1ed1c v\u00e0 ti\u1ec1n l\u00e3i cho B\u00ean A.<\/em><\/p>\n

– N\u1ebfu B\u00ean A c\u00f3 nhu c\u1ea7u r\u00fat v\u1ed1n, B\u00ean B s\u1ebd chuy\u1ec3n ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i v\u00e0o t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi thanh to\u00e1n c\u1ee7a B\u00ean A t\u1ea1i NHTMCP CTVN \u2013 CN TP.HCM.<\/em><\/p>\n

– N\u1ebfu B\u00ean A kh\u00f4ng c\u00f3 nhu c\u1ea7u r\u00fat v\u1ed1n, B\u00ean B s\u1ebd nh\u1eadp ph\u1ea7n l\u00e3i ph\u00e1t sinh v\u00e0o ph\u1ea7n g\u1ed1c v\u00e0 t\u1ef1 \u0111\u1ed9ng gia h\u1ea1n ti\u1ebfp k\u1ef3 h\u1ea1n g\u1eedi\u2026.\u201d<\/em><\/p>\n

C\u0169ng ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n li\u00ean quan g\u00ec \u0111\u1ebfn th\u1ebb ti\u1ebft ki\u1ec7m.<\/p>\n

– \u0110\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, m\u1ed7i h\u00ecnh th\u1ee9c huy \u0111\u1ed9ng ch\u1ec9 d\u00f9ng m\u1ed9t lo\u1ea1i gi\u1ea5y t\u1edd. Trong c\u00e1c H\u1ee3p \u0111\u00f4ng g\u1eedi ti\u1ec1n, kh\u00f4ng c\u00f3 tho\u1ea3 thu\u1eadn n\u00e0o gi\u1eefa ng\u01b0\u1eddi g\u1eedi v\u00e0 VietinBank r\u1eb1ng c\u00f3 th\u00eam lo\u1ea1i gi\u1ea5y t\u1edd th\u1ee9 2 cho 1 giao d\u1ecbch. C\u00f3 c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd sau, s\u1eed d\u1ee5ng cho c\u00e1c tr\u01b0\u1eddng h\u1ee3p huy \u0111\u1ed9ng v\u1ed1n kh\u00e1c nhau c\u1ee7a ng\u00e2n h\u00e0ng:<\/p>\n

+ Th\u1ebb ti\u1ebft ki\u1ec7m;<\/p>\n

+ Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi;<\/p>\n

+ Tr\u00e1i phi\u1ebfu;<\/p>\n

+ K\u1ef3 phi\u1ebfu;<\/p>\n

+ H\u1ee3p \u0111\u1ed3ng \u0111\u1ea7u t\u01b0;<\/p>\n

+ H\u1ee3p \u0111\u1ed3ng u\u1ef7 th\u00e1c \u0111\u1ea7u t\u01b0; v\u00e0<\/p>\n

+ H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi.<\/p>\n

– Ch\u00ednh Th\u1ebb ti\u1ebft ki\u1ec7m, Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, Tr\u00e1i phi\u1ebfu, K\u1ef3 phi\u1ebfu, H\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n,… n\u00f3i tr\u00ean l\u00e0 c\u00e1c Ch\u1ee9ng nh\u1eadn ti\u1ec1n g\u1eedi. Th\u1eadt l\u00e0 ng\u1edb ng\u1ea9n n\u1ebfu cho r\u1eb1ng m\u1ecdi giao d\u1ecbch g\u1eedi ti\u1ec1n, ph\u1ea3i c\u00f3 m\u1ed9t t\u1edd gi\u1ea5y g\u1ecdi l\u00e0 “Ch\u1ee9ng nh\u1eadn ti\u1ec1n g\u1eedi”. Nh\u01b0 v\u1eady kh\u00e1ch h\u00e0ng c\u1ea7m Th\u1ebb ti\u1ebft ki\u1ec7m r\u1ed3i, c\u1ea7m Tr\u00e1i phi\u1ebfu r\u1ed3i v\u1eabn v\u00f4 gi\u00e1 tr\u1ecb, n\u1ebfu nh\u01b0 kh\u00f4ng gi\u1eef th\u00eam Ch\u1ee9ng nh\u1eadn ti\u1ec1n g\u1eedi?<\/p>\n

– V\u00e0 \u0111i\u1ec1u \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng l\u00e0, trong s\u1ed1 200 t\u1ef7 \u0111\u1ed3ng g\u1eedi t\u1ea1i VietinBank, ch\u1ec9 c\u00f3 59,7 t\u1ef7 \u0111\u1ed3ng, t\u1ee9c 1\/4 s\u1ed1 ti\u1ec1n trong t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n b\u1ecb VietinBank chuy\u1ec3n tr\u00e1i ph\u00e9p th\u00e0nh ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, li\u00ean quan \u0111\u1ebfn th\u1ebb ti\u1ebft ki\u1ec7m, r\u1ed3i b\u00e2y gi\u1edd l\u1ea1i \u0111\u1ed5 l\u1ed7i kh\u00f4ng h\u1ec1 c\u00f3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. Nh\u01b0ng c\u00f2n 140,3 t\u1ef7 \u0111\u1ed3ng kh\u00e1c v\u1eabn c\u00f2n nguy\u00ean tr\u1ea1ng trong t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, t\u1ee9c chi\u1ebfm 3\/4 s\u1ed1 ti\u1ec1n g\u1eedi c\u1ee7a NAVIBANK, th\u00ec \u0111\u00e3 kh\u00f4ng h\u1ec1 b\u1ecb chuy\u1ec3n th\u00e0nh ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 th\u1ebb ti\u1ebft ki\u1ec7m, nh\u01b0ng ti\u1ec1n v\u1eabn m\u1ea5t s\u1ea1ch do b\u1ecb chuy\u1ec3n \u0111i m\u1ed9t c\u00e1ch b\u1ea5t h\u1ee3p ph\u00e1p b\u1eb1ng c\u00e1ch L\u1ec7nh chi gi\u1ea3 hay gi\u1ea3 L\u1ec7nh chi nh\u01b0 c\u00e1ch g\u1ecdi c\u1ee7a \u0111\u1ea1i di\u1ec7n Vi\u1ec7n Ki\u1ec3m s\u00e1t.<\/p>\n

– Nh\u01b0 v\u1eady, to\u00e0n b\u1ed9 c\u00e1c n\u1ed9i dung c\u1ee7a H\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n t\u1ea1i VietinBank kh\u00f4ng h\u1ec1 c\u00f3 ch\u1ed7 n\u00e0o nh\u1eafc \u0111\u1ebfn ti\u1ebft ki\u1ec7m, th\u1ebb ti\u1ebft ki\u1ec7m hay th\u1ebb ti\u1ec1n g\u1eedi g\u00ec \u0111\u00f3. V\u00e0 ch\u1ec9 c\u00f3 1\/3 t\u1ed5ng s\u1ed1 ti\u1ec1n li\u00ean quan \u0111\u1ebfn h\u00e0nh vi gi\u1ea3 m\u1ea1o th\u1ebb ti\u1ebft ki\u1ec7m, c\u00f2n 2\/3 th\u00ec ch\u01b0a t\u1eebng c\u00f3 th\u1ebb ti\u1ebft ki\u1ec7m. V\u1eady m\u00e0 n\u00f3i kh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m n\u00ean b\u1ecb chi\u1ebfm \u0111o\u1ea1t? Ch\u01b0a n\u00f3i l\u00e0 VKS c\u00f2n kh\u1eb3ng \u0111\u1ecbnh \u0111\u00e3 b\u1ecb chi\u1ebfm \u0111o\u1ea1t ngay t\u1eeb khi ti\u1ec1n v\u1eeba \u0111\u1ed5 v\u00e0o t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, t\u1ee9c l\u00e0 t\u1eeb tr\u01b0\u1edbc c\u1ea3 khi b\u1ecb chuy\u1ec3n th\u00e0nh ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 th\u1ebb ti\u1ebft ki\u1ec7m. \u0110\u00e2y l\u00e0 m\u1ed9t l\u1eadp lu\u1eadn \u0111\u1ea7y m\u00e2u thu\u1eabn, sai ph\u00e1p lu\u1eadt, tr\u00e1i th\u1ef1c t\u1ebf, l\u00e0 \u0111\u1ecfi h\u1ecfi r\u1ea5t b\u1ea5t c\u00f4ng, v\u00f4 c\u0103n c\u1ee9, y\u00eau c\u1ea7u b\u1ea5t kh\u1ea3 thi, k\u1ebft lu\u1eadn kh\u00f4ng h\u1ee3p l\u00fd.<\/p>\n

5.3. K\u1ebft lu\u1eadn \u0111i\u1ec1u tra, C\u00e1o tr\u1ea1ng, Lu\u1eadn t\u1ed9i v\u00e0 Tranh lu\u1eadn c\u1ee7a VKS \u0111\u00e1 \u0111\u01b0a ra r\u1ea5t nhi\u1ec1u n\u1ed9i dung sai s\u00f3t, s\u01a1 su\u1ea5t c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u1ec3 \u0111i \u0111\u1ebfn k\u1ebft lu\u1eadn l\u00e0 b\u1ecb l\u1eeba v\u00e0 m\u1ea5t ti\u1ec1n. Trong khi \u0111\u00f3, quan tr\u1ecdng nh\u1ea5t l\u00e0 vi\u1ec7c VietinBank \u0111\u00e3 r\u00fat ti\u1ec1n, chuy\u1ec3n ti\u1ec1n b\u1ea5t h\u1ee3p ph\u00e1p kh\u1ecfi t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng m\u1edbi l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh vi\u1ec7c m\u1ea5t ti\u1ec1n, b\u1ecb chi\u1ebfm \u0111o\u1ea1t.<\/p>\n

6. V\u1ec1 vi\u1ec7c trao quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t cho b\u1ecb c\u00e1o:<\/strong><\/p>\n

6.1. Vi\u1ec7n ki\u1ec3m s\u00e1t cho r\u1eb1ng: \u0110i\u1ec1u kho\u1ea3n 1.6 c\u1ee7a c\u00e1c H\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n \u0111\u00e3 ghi nh\u1eadn: VietinBank \u0111\u01b0\u1ee3c quy\u1ec1n chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi thanh to\u00e1n sang t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi k\u1ef3 h\u1ea1n, l\u00e3i tr\u1ea3 sau. Nh\u01b0 v\u1eady l\u00e0 NAVIBANK \u0111\u00e3 trao quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t cho b\u1ecb c\u00e1o Nh\u01b0, t\u1ef1 nh\u1eadn r\u1ee7i ro v\u1ec1 m\u00ecnh, n\u1ebfu c\u00f3, b\u1ecf m\u1eb7c, ph\u00f3 th\u00e1c to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n cho Nh\u01b0 \u0111\u1ec3 Nh\u01b0 c\u00f3 th\u1ec3 tr\u00edch chuy\u1ec3n ti\u1ec1n, \u0111\u1ec3 Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t.<\/p>\n

6.2. Nguy\u00ean v\u0103n kho\u1ea3n 1.6, \u0110i\u1ec1u 1 c\u1ee7a c\u00e1c H\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n t\u1ea1i VietinBank HCM c\u00f3 n\u1ed9i dung nh\u01b0 sau:<\/p>\n

\u201c1.6. V\u00e0o ng\u00e0y hi\u1ec7u l\u1ef1c, B\u00ean A \u0111\u1ed3ng \u00fd cho B\u00ean B t\u1ef1 \u0111\u1ed9ng tr\u00edch s\u1ed1 ti\u1ec1n n\u00eau tr\u00ean t\u1eeb t\u00e0i kho\u1ea3n s\u1ed1 \u2026\u2026.. c\u1ee7a B\u00ean A t\u1ea1i NHTMCP CTVN \u2013 Chi nh\u00e1nh TP. HCM sang t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi k\u1ef3 h\u1ea1n, tr\u1ea3 l\u00e3i sau<\/em>.\u201d<\/p>\n

6.3. Xin kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng chuy\u1ec3n ti\u1ec1n sang \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi k\u1ef3 h\u1ea1n\u201d c\u1ee7a ch\u00ednh ng\u01b0\u1eddi g\u1eedi kh\u00f4ng h\u1ec1 l\u00e0m thay \u0111\u1ed5i tinh tr\u1ea1ng an to\u00e0n c\u1ee7a ti\u1ec1n g\u1eedi. Ho\u00e0n to\u00e0n kh\u00f4ng th\u1ec3 hi\u1ec3u nh\u01b0 v\u1eady l\u00e0 trao quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t cho b\u1ecb c\u00e1o. N\u1ebfu b\u1ecb c\u00e1o Nh\u01b0 kh\u00f4ng l\u00e0m gi\u1ea3, n\u1ebfu VietinBank kh\u00f4ng b\u1ecb l\u1eeba, th\u00ec kh\u00f4ng th\u1ec3 di d\u1eddi, x\u00e2m ph\u1ea1m ti\u1ec1n trong t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi g\u1eedi.<\/p>\n

7. V\u1ec1 vi\u1ec7c H\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t ho\u00e0n th\u00e0nh v\u00e0o th\u1eddi \u0111i\u1ec3m chuy\u1ec3n ti\u1ec1n:<\/strong><\/p>\n

7.1. Vi\u1ec7n ki\u1ec3m s\u00e1t v\u1eabn cho r\u1eb1ng: H\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t ho\u00e0n th\u00e0nh v\u00e0o th\u1eddi \u0111i\u1ec3m chuy\u1ec3n ti\u1ec1n. \u00dd th\u1ee9c ch\u1ee7 quan c\u1ee7a Nh\u01b0 l\u00e0 chi\u1ebfm \u0111o\u1ea1t c\u1ee7a NAVIBANK. H\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t ho\u00e0n th\u00e0nh t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y, vi ham l\u00e3i su\u1ea5t cao m\u00e0 NAVINANK \u0111\u00e3 \u0111i theo \u0111\u00fang \u0111\u01b0\u1eddng m\u00e0 Nh\u01b0 \u0111\u00e3 \u0111\u1ec1 ra, ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n l\u00e0 NAVIBANK \u0111\u00e3 l\u00e0m \u0111\u00fang s\u1ef1 d\u1eabn d\u1ee5 c\u1ee7a Nh\u01b0, NAVINANK \u0111\u00e3 m\u1ea5t quy\u1ec1n ki\u1ec3m so\u00e1t t\u1eeb th\u1eddi \u0111i\u1ec3m \u0111\u00f3:<\/p>\n

7.2. N\u1ebfu n\u00f3i th\u1ebf th\u00ec VietinBank ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m g\u00ec trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n, kh\u00f4ng b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n, ch\u00ednh x\u00e1c ti\u1ec1n g\u1eedi trong t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng. T\u00f4i \u0111\u00e3 ch\u1ee9ng minh, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 472 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, ti\u1ec1n g\u1eedi v\u00e0o cho VietinBank vay l\u00e0 \u0111\u00e3 thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a VietinBank. V\u00e0 d\u00f9 c\u00f3 hay kh\u00f4ng thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a Vietinbank, thi ViettinBank c\u0169ng ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m ch\u1ee7 y\u1ebfu trong vi\u1ec7c qu\u1ea3n l\u00fd an to\u00e0n, ch\u00ednh x\u00e1c s\u1ed1 ti\u1ec1n trong t\u00e0i kho\u1ea3n.<\/p>\n

8. V\u1ec1 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n:<\/strong><\/p>\n

8.1. Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 Lu\u1eadt s\u01b0 VietinBank \u0111\u1ec1u cho r\u1eb1ng, ng\u01b0\u1eddi g\u1eedi ti\u1ec1n c\u00f3 l\u1ed7i kh\u00f4ng qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n v\u00e0 s\u1ed1 ti\u1ec1n c\u1ee7a m\u00ecnh.<\/p>\n

8.2. T\u1ea1i phi\u00ean t\u00f2a s\u00e1ng ng\u00e0y 16-01-2014, t\u00f4i \u0111\u00e3 d\u1eabn ch\u1ee9ng, ph\u00e2n t\u00edch c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 th\u1ef1c t\u1ebf cam k\u1ebft tr\u00ean trang web c\u1ee7a VietinBank, \u0111\u1ec3 b\u00e1c b\u1ecf lu\u1eadn \u0111i\u1ec3m c\u1ee7a \u0111\u1ea1i di\u1ec7n VietinBank v\u1ec1 vi\u1ec7c kh\u00e1ch h\u00e0ng, ch\u1ee9 ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n. Sau \u0111\u00f3, Lu\u1eadt s\u01b0 b\u1ea3o v\u1ec7 VietinBank cho r\u1eb1ng, s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n do kh\u00e1ch h\u00e0ng qu\u1ea3n l\u00fd, c\u00f2n ti\u1ec1n m\u1eb7t th\u00ec do ng\u00e2n h\u00e0ng qu\u1ea3n l\u00fd. \u0110\u00e2y l\u1ea1i ti\u1ebfp t\u1ee5c l\u00e0 \u0111i\u1ec1u sai tr\u00e1i ph\u00e1p lu\u1eadt m\u1ed9t c\u00e1ch c\u01a1 b\u1ea3n, h\u00f2ng ph\u1ee7 nh\u1eadn tr\u00e1ch nhi\u1ec7m. T\u00f4i xin kh\u1eb3ng \u0111\u1ecbnh l\u1ea1i r\u1eb1ng: Ng\u00e2n h\u00e0ng c\u00f3 v\u00e0 ph\u1ea3i tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd \u0111\u1ed3ng th\u1eddi c\u1ea3 ti\u1ec1n m\u1eb7t v\u00e0 s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n. N\u1ebfu ng\u00e2n h\u00e0ng kh\u00f4ng qu\u1ea3n l\u00fd s\u1ed1 s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n, th\u00ec ch\u1ec9 c\u00f2n qu\u1ea3n l\u00fd c\u00e1i v\u1ecf t\u00e0i kho\u1ea3n, kh\u00f4ng qu\u1ea3n l\u00fd s\u1ed1 d\u01b0, t\u1ee9c l\u00e0 kh\u00f4ng qu\u1ea3n ti\u1ec1n. Xin nh\u1eafc l\u1ea1i quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 10, Quy ch\u1ebf s\u1ed1 1284: Kh\u00e1ch h\u00e0ng ch\u1ec9 theo d\u00f5i s\u1ed1 d\u01b0.<\/p>\n

8.3. \u0110\u1ec3 tr\u00e1nh nguy c\u01a1 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c b\u1ecb coi l\u00e0 vu kh\u1ed1ng VietinBank, t\u00f4i xin n\u00f3i v\u1ec1 th\u00f4ng tin tr\u00ean trang web c\u1ee7a Vietinbank, Ph\u1ea7n Lu\u1eadn c\u1ee9 b\u1ea3o v\u1ec7 cho NAVIBANK m\u00e0 t\u00f4i \u0111\u00e3 tr\u00ecnh b\u00e0y tr\u01b0\u1edbc T\u00f2a c\u00f3 n\u00eau: Trong m\u1ed9t m\u1ee5c tr\u00ean trang web c\u1ee7a VietinBank t\u1ea1i th\u1eddi \u0111i\u1ec3m s\u00e1ng ng\u00e0y 16-01-2014 gi\u1edbi thi\u1ec7u l\u1ee3i \u00edch \u0111\u1ea7u ti\u00ean trong s\u1ed1 10 l\u1ee3i \u00edch c\u1ee7a d\u1ecbch v\u1ee5 t\u00e0i kho\u1ea3n l\u00e0: \u201cTi\u1ec1n tr\u00ean t\u00e0i kho\u1ea3n c\u1ee7a Qu\u00fd kh\u00e1ch s\u1ebd \u0111\u01b0\u1ee3c VietinBank qu\u1ea3n l\u00fd an to\u00e0n, ch\u00ednh x\u00e1c v\u00e0 b\u1ea3o m\u1eadt<\/em>\u201d. Xin th\u00f4ng b\u00e1o r\u1eb1ng, ngay sau \u0111\u00f3, \u0111o\u1ea1n n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda nh\u01b0 sau: \u201cTi\u1ec1n tr\u00ean t\u00e0i kho\u1ea3n c\u1ee7a doanh nghi\u1ec7p \u0111\u01b0\u1ee3c an to\u00e0n, b\u1ea3o m\u1eadt<\/em>\u201d. T\u1ee9c l\u00e0 \u0111\u00e3 thay t\u1eeb \u201cqu\u00fd kh\u00e1ch\u201d b\u1eb1ng \u201cdoanh nghi\u1ec7p\u201d v\u00e0 b\u1ecf 2 t\u1eeb \u201cqu\u1ea3n l\u00fd\u201d v\u00e0 \u201cch\u00ednh x\u00e1c\u201d. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 VietinBank kh\u1eb3ng \u0111\u1ecbnh ch\u00ednh th\u1ee9c r\u1eb1ng, t\u1eeb nay tr\u1edf \u0111i, VietinBank kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 VietinBank kh\u00f4ng b\u1ea3o \u0111\u1ea3m s\u1ef1 ch\u00ednh x\u00e1c t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng?! R\u1ea5t may l\u00e0 h\u00ecnh \u1ea3nh trang web n\u00e0y tr\u01b0\u1edbc khi b\u1ecb s\u1eeda \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u1ed5 bi\u1ebfn r\u1ed9ng r\u00e1i tr\u00ean Facebook v\u00e0 t\u00f4i c\u0169ng \u0111\u00e3 c\u1ea9n th\u1eadn ch\u1ee5p l\u01b0u l\u1ea1i \u0111\u01b0\u1ee3c m\u00e0n h\u00ecnh l\u00e0m b\u1eb1ng ch\u1ee9ng.<\/p>\n

9. V\u1ec1 vi\u1ec7c VietinBank kh\u00f4ng bi\u1ebft t\u1ed9i ph\u1ea1m:<\/strong><\/p>\n

9.1. Lu\u1eadt s\u01b0 b\u1ea3o v\u1ec7 cho Vietinbank ph\u00e1t bi\u1ec3u chi\u1ec1u ng\u00e0y 16-01-2014 t\u1ea1i phi\u00ean t\u00f2a r\u1eb1ng, Nh\u1eefng th\u1ecfa thu\u1eadn giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p gi\u1eefa Nh\u01b0 v\u1edbi c\u00e1c b\u1ecb h\u1ea1i \u0111\u1ec1u di\u1ec5n ra ngo\u00e0i tr\u1ee5 s\u1edf VietinBank, VietinBank ho\u00e0n to\u00e0n kh\u00f4ng bi\u1ebft v\u00e0 kh\u00f4ng tham gia. T\u00f4i xin kh\u1eb3ng \u0111\u1ecbnh l\u1ea1i b\u1eb1ng \u0111\u1ee7 c\u0103n c\u1ee9 ph\u00e1p l\u00fd r\u1eb1ng, ch\u1ec9 c\u00f3 tho\u1ea3 thu\u1eadn v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p, c\u00f2n ph\u1ea7n ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i 14% l\u00e0 ho\u00e0n to\u00e0n h\u1ee3p ph\u00e1p. V\u00e0 ch\u1ec9 m\u1ed9t s\u1ed1 giao d\u1ecbch, m\u1ed9t s\u1ed1 c\u00f4ng \u0111o\u1ea1n di\u1ec5n ra ngo\u00e0i tr\u1ee5 s\u1edf th\u00f4i, ch\u1ee9 kh\u00f4ng th\u1ec3 v\u01a1 \u0111\u0169a c\u1ea3 n\u1eafm. \u0110\u1ed3ng th\u1eddi, t\u00f4i c\u0169ng xin kh\u1eb3ng \u0111\u1ecbnh l\u1ea1i m\u1ed9t l\u1ea7n n\u1eefa, vi\u1ec7c giao d\u1ecbch ngo\u00e0i tr\u1ee5 s\u1edf ng\u00e2n h\u00e0ng v\u1eabn l\u00e0 h\u1ee3p ph\u00e1p.<\/p>\n

9.2. Trong v\u1ee5 n\u00e0y, kh\u00f4ng ai bi\u1ebft tr\u01b0\u1edbc vi\u1ec7c Nh\u01b0 l\u1eeba \u0111\u1ea3o, v\u00ec bi\u1ebft tr\u01b0\u1edbc th\u00ec \u0111\u00e3 kh\u00f4ng b\u1ecb l\u1eeba, nh\u01b0ng tr\u00e1ch nhi\u1ec7m \u0111\u1ea7u ti\u00ean v\u00e0 l\u1edbn nh\u1ea5t ph\u1ea3i l\u00e0 VietinBank. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i, th\u00ec Nh\u01b0 la \u0111\u1ea1i di\u1ec7n h\u1ee3p ph\u00e1p c\u1ee7a VietinBank. \u0110\u1ed1i v\u1edbi VietinBank, th\u00ec Nh\u01b0 l\u00e0 c\u00e1n b\u1ed9 qu\u1ea3n l\u00fd ch\u00ednh th\u1ee9c c\u1ee7a h\u1ecd. Ch\u1ec9 t\u1eeb khi Nh\u01b0 v\u00e0o ng\u1ed3i t\u00f9, th\u00ec VietinBank m\u1edbi kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 giao d\u1ecbch c\u1ee7a Nh\u01b0.<\/p>\n

9.3. M\u1edf t\u00e0i kho\u1ea3n, k\u00fd t\u00ean, \u0111\u00f3ng d\u1ea5u h\u1ee3p \u0111\u1ed3ng, nh\u1eadn ti\u1ec1n, gi\u1eef ti\u1ec1n, chuy\u1ec3n ti\u1ec1n, h\u1ea1ch to\u00e1n, thu ti\u1ec1n,… h\u00e0ng ch\u1ee5c kh\u00e1ch h\u00e0ng, h\u00e0ng tr\u0103m giao d\u1ecbch, h\u00e0ng ng\u00e0n t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng, b\u00e2y gi\u1edd l\u1ea1i l\u1eafc \u0111\u1ea7u kh\u00f4ng bi\u1ebft. Kh\u00f4ng th\u1ec3 n\u00f3i kh\u00f4ng bi\u1ebft v\u00e0 kh\u00f4ng tham gia, c\u0169ng gi\u1ed1ng nh\u01b0 kh\u00f4ng th\u1ec3 n\u00f3i kh\u00f4ng bi\u1ebft ph\u00e1p lu\u1eadt n\u00ean kh\u00f4ng ph\u1ea1m t\u1ed9i. Ph\u00e1p lu\u1eadt v\u00e0 c\u00f4ng l\u00fd kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn cho VietinBank n\u00f3i 2 ch\u1eef kh\u00f4ng bi\u1ebft.<\/p>\n

9.4. Vi\u1ec7c Lu\u1eadt s\u01b0 b\u1ea3o v\u1ec7 cho Vietinbank ph\u00e1t bi\u1ec3u t\u1ea1i Phi\u00ean t\u00f2a chi\u1ec1u ng\u00e0y 16-01-2014 r\u1eb1ng: Huy\u1ec1n Nh\u01b0 d\u00f9ng th\u1ee7 \u0111o\u1ea1n tinh vi, n\u00ean VietinBank kh\u00f4ng ph\u00e1t hi\u1ec7n ra. VietinBank kh\u00f4ng nh\u1eadn di\u1ec7n \u0111\u01b0\u1ee3c c\u00e1c d\u1ea5u hi\u1ec7u sai ph\u1ea1m c\u1ee7a c\u00e1c chi nh\u00e1nh v\u00e0 ngay qua thanh tra, ki\u1ec3m tra c\u1ee7a c\u00e1c c\u01a1 quan Thanh tra Ch\u00ednh ph\u1ee7, Ki\u1ec3m to\u00e1n Nh\u00e0 n\u01b0\u1edbc, Ki\u1ec3m to\u00e1n qu\u1ed1c t\u1ebf c\u0169ng kh\u00f4ng ph\u00e1t hi\u1ec7n ra. Nh\u01b0 v\u1eady th\u00ec v\u1ea5n \u0111\u1ec1 c\u00e0ng r\u00f5 h\u01a1n bao gi\u1edd h\u1ebft. \u00cdt nh\u1ea5t l\u00e0 200 t\u1ef7 \u0111\u1ed3ng c\u1ee7a NAVIBANK trong s\u1ed1 m\u1ea5y ngh\u00ecn t\u1ef7 \u0111\u1ed3ng l\u00e0 giao d\u1ecbch th\u1eadt, l\u00e0 gi\u1ea5y t\u1edd th\u1eadt, l\u00e0 s\u1ed5 s\u00e1ch th\u1eadt, l\u00e0 ch\u1ee9ng t\u1eeb th\u1eadt, l\u00e0 s\u1ed1 d\u01b0 th\u1eadt v\u00e0 l\u00e0 h\u1ea1ch to\u00e1n th\u1eadt c\u1ee7a Vietinbank, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 giao d\u1ecbch gi\u1ea3, gi\u1ea5y t\u1edd gi\u1ea3, s\u1ed5 s\u00e1ch gi\u1ea3, ch\u1ee9ng t\u1eeb gi\u1ea3, s\u1ed1 d\u01b0 gi\u1ea3 v\u00e0 h\u1ea1ch to\u00e1n gi\u1ea3 c\u1ee7a VietinBank. K\u1ec3 c\u1ea3 n\u00f3 c\u00f3 l\u00e0 gi\u1ea3 th\u00ec c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c VietinBank cho r\u1eb1ng \u0111\u00f3 l\u00e0 th\u1eadt v\u00e0 \u0111\u00e3 ch\u1ea5p nh\u1eadn giao d\u1ecbch ho\u00e0n th\u00e0nh \u0111\u00fang nh\u01b0 th\u1eadt, cho n\u00ean \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 VietinBank kh\u00f4ng th\u1ec3 ph\u00e1t hi\u1ec7n ra. S\u1ef1 th\u1eadt l\u00e0 c\u00e1c th\u1ee7 \u0111o\u1ea1n chi\u1ebfm \u0111o\u1ea1t c\u1ee7a Nh\u01b0 kh\u00e1 \u0111\u01a1n gi\u1ea3n, x\u01b0a c\u0169. Kh\u00f4ng ph\u00e1t hi\u1ec7n ra l\u00e0 do Nh\u01b0 c\u0169ng ch\u00ednh l\u00e0 VietinBank, l\u00e0 ng\u01b0\u1eddi “n\u1eb1m trong ch\u0103n”, l\u00e0 huy\u1ec7t \u0111i\u1ec3m b\u1ea5t ng\u1edd c\u1ee7a VietinBank.<\/p>\n

10. V\u1ec1 vi\u1ec7c t\u1ea1i sao \u0111\u1eb7t ra tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi VietinBank: <\/strong><\/p>\n

10.1. V\u00ec g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, l\u00e0 ng\u01b0\u1eddi ta kh\u00f4ng ch\u1ec9 tin t\u01b0\u1edfng n\u00f3 c\u00f3 c\u00e1i v\u1ecf ngo\u00e0i ho\u00e0nh tr\u00e1ng, oai phong, \u0111\u1ea1o m\u1ea1o, m\u00e0 th\u1ef1c s\u1ef1 n\u00f3 l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd v\u00f4 c\u00f9ng b\u00e0i b\u1ea3n, ch\u1eb7t ch\u1ebd, \u0111\u00e1ng tin c\u1eady.<\/p>\n

10.2. V\u00ec g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, l\u00e0 g\u1eedi v\u00e0o n\u01a1i an to\u00e0n nh\u1ea5t th\u1ebf gi\u1edbi. Ti\u00eau chu\u1ea9n x\u00e2y d\u1ef1ng kho ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 b\u00ed m\u1eadt nh\u00e0 n\u01b0\u1edbc. Kho ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng g\u1ed3m \u00edt nh\u1ea5t 2 l\u1ea7n c\u1eeda, v\u1edbi 3 ng\u01b0\u1eddi kh\u00e1c nhau gi\u1eef ch\u00eca kho\u00e1. T\u00f4i \u0111\u00e3 t\u1eebng l\u00e0 m\u1ed9t c\u00e1n b\u1ed9 qu\u1ea3n l\u00fd t\u1eeb c\u1ea5p trung \u0111\u1ebfn c\u1ea5p cao c\u1ee7a m\u1ea5y ng\u00e2n h\u00e0ng, nh\u01b0ng su\u1ed1t 20 n\u0103m c\u0169ng ch\u01b0a bao gi\u1edd \u0111\u01b0\u1ee3c ph\u00e9p v\u00e0o kho ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

10.3. V\u00ec g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, l\u00e0 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi, kh\u00e1c h\u1eb3n v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i g\u1eedi ti\u1ec1n hay cho vay ti\u1ec1n kh\u00e1c. Kh\u00f4ng ph\u1ea3i \u0111\u01a1n gi\u1ea3n m\u00e0 nh\u00e0 n\u01b0\u1edbc m\u1ea1nh m\u1ebd tuy\u00ean b\u1ed1, kh\u00f4ng \u0111\u1ec3 cho c\u00e1c Ng\u00e2n h\u00e0ng ph\u00e1 s\u1ea3n.<\/p>\n

10.4. V\u00ec g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, l\u00e0 nh\u1eadp ti\u1ec1n v\u00e0o h\u1ec7 th\u1ed1ng t\u00e0i kho\u1ea3n, nh\u1eadp v\u00e0o h\u1ec7 th\u1ed1ng l\u00f5i c\u1ee7a ng\u00e2n h\u00e0ng, h\u00e0ng tr\u0103m ng\u00e0n t\u1ef7 c\u0169ng kh\u00f4ng th\u1ec3 sai l\u1ec7nh d\u00f9 ch\u1ec9 1 \u0111\u1ed3ng. Khi 4 nh\u00e2n vi\u00ean NAVIBANK g\u1eedi ti\u1ec1n v\u00e0o 1 \u0111\u1ed3ng thi VietinBank t\u0103ng s\u1ed1 ti\u1ec1n huy \u0111\u1ed9ng 1 \u0111\u1ed3ng v\u00e0 t\u0103ng t\u1ed5ng t\u00e0i s\u1ea3n 1 \u0111\u1ed3ng. Khi Huy\u1ec1n Nh\u01b0 chuy\u1ec3n \u0111i 1 \u0111\u1ed3ng, th\u00ec s\u1ed1 ti\u1ec1n huy \u0111\u1ed9ng c\u1ee7a Vietin c\u0169ng gi\u1ea3m 1 \u0111\u1ed3ng v\u00e0 t\u1ed5ng t\u00e0i s\u1ea3n m\u1ea5y tr\u0103m ng\u00e0n t\u1ef7 c\u1ee7a VietinBank c\u0169ng \u0111\u1ed3ng th\u1eddi gi\u1ea3m \u0111\u00fang 1 \u0111\u1ed3ng.<\/p>\n

10.5. V\u00ec g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, l\u00e0 ph\u00e1p nh\u00e2n ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 an to\u00e0n ti\u1ec1n g\u1eedi, ch\u00ednh nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng sai tr\u00e1i th\u00ec ph\u00e1p nh\u00e2n c\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m. \u0110\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p 200 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1c nh\u00e2n vi\u00ean NAVIBANK, th\u00ec tr\u00e1ch nhi\u1ec7m c\u1ee7a Huy\u1ec1n Nh\u01b0 c\u0169ng ch\u00ednh l\u00e0 c\u1ee7a VietinBank, tuy 2 m\u00e0 1.\/.<\/p>\n

—————<\/strong><\/p>\n

PH\u1ee4 L\u1ee4C<\/strong><\/p>\n

    \n
  1. Web VietinBank ng\u00e0y 16-01-2014:<\/strong><\/li>\n<\/ol>\n

    L\u1ee3i \u00edch \u0111\u1ea7u ti\u00ean trong s\u1ed1 10 l\u1ee3i \u00edch c\u1ee7a d\u1ecbch v\u1ee5 t\u00e0i kho\u1ea3n l\u00e0: \u201cTi\u1ec1n tr\u00ean t\u00e0i kho\u1ea3n c\u1ee7a Qu\u00fd kh\u00e1ch s\u1ebd \u0111\u01b0\u1ee3c VietinBank qu\u1ea3n l\u00fd<\/strong> an to\u00e0n, ch\u00ednh x\u00e1c<\/strong> v\u00e0 b\u1ea3o m\u1eadt<\/em>\u201d.<\/p>\n

      \n
    1. Web VietinBank ng\u00e0y 18-01-2014:<\/strong><\/li>\n<\/ol>\n

      L\u1ee3i \u00edch \u0111\u1ea7u ti\u00ean trong s\u1ed1 10 l\u1ee3i \u00edch c\u1ee7a d\u1ecbch v\u1ee5 t\u00e0i kho\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda th\u00e0nh: \u201cTi\u1ec1n tr\u00ean t\u00e0i kho\u1ea3n c\u1ee7a doanh nghi\u1ec7p \u0111\u01b0\u1ee3c an to\u00e0n, b\u1ea3o m\u1eadt<\/em>\u201d.<\/p>\n

      (b\u1ecf 2 t\u1eeb \u201cqu\u1ea3n l\u00fd\u201d v\u00e0 \u201cch\u00ednh x\u00e1c\u201d)<\/p>\n

        \n
      1. Web VietinBank ng\u00e0y 21-01-2014:<\/strong><\/li>\n<\/ol>\n

        \u201cTi\u1ec1n g\u1eedi thanh to\u00e1n h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n\u201d l\u00e0 1 trong s\u1ed1 15 s\u1ea3n ph\u1ea7m ti\u1ec1n g\u1eedi, kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ed9t trong c\u00e1c l\u1ee3i \u00edch l\u00e0: \u201c\u0110\u01b0\u1ee3c cung c\u1ea5p d\u1ecbch v\u1ee5 thu\/chi ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i nh\u00e0 (n\u1ebfu c\u00f3 nhu c\u1ea7u<\/em>\u201d.<\/p>\n

          \n
        1. \u0110\u1ed0I \u0110\u00c1P L\u1ea6N 2, chi\u1ec1u 21-01-2014:<\/strong><\/li>\n<\/ol>\n

          K\u00ednh th\u01b0a H\u1ed9i \u0111\u1ed3ng X\u00e9t x\u1eed<\/p>\n

          Qua \u00fd ki\u1ebfn tranh lu\u1eadn c\u1ee7a Vi\u1ec7n Ki\u1ec3m s\u00e1t, th\u00ec \u0111\u00fang nh\u01b0 l\u00e0 t\u00f4i \u0111\u00e3 nh\u1eadn \u0111\u1ecbnh t\u1ea1i ph\u1ea7n tr\u00ecnh b\u00e0y Lu\u1eadn c\u1ee9 tr\u01b0\u1edbc \u0111\u00e2y: V\u1ee5 vi\u1ec7c n\u00e0y, \u0111\u1ed1i v\u1edbi NAVIBANK, th\u00ec quan tr\u1ecdng kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ed3 s\u01a1, b\u00fat l\u1ee5c, s\u1ef1 vi\u1ec7c, m\u00e0 l\u00e0 nh\u1eadn th\u1ee9c, \u0111\u00e1nh gi\u00e1 v\u00e0 quan \u0111i\u1ec3m.<\/p>\n

          T\u00f4i xin tranh lu\u1eadn ti\u1ebfp v\u1edbi Vi\u1ec7n Ki\u1ec3m s\u00e1t nh\u01b0 sau:<\/p>\n

            \n
          1. V\u1ec1 vi\u1ec7c VKS cho r\u1eb1ng: Kh\u00f4ng d\u00f9ng quan h\u1ec7 binh th\u01b0\u1eddng \u0111\u1ec3 b\u1ea3o v\u1ec7 quan h\u1ec7 kh\u00f4ng b\u00ecnh th\u01b0\u1eddng. Nh\u01b0ng ch\u00ednh VKS \u0111\u00e3 d\u00f9ng to\u00e0n nh\u1eefng t\u00ecnh ti\u1ebft binh th\u01b0\u1eddng nh\u1ea5t, gi\u1ea3n \u0111\u01a1n, nh\u1eefng l\u1ed7i nh\u1ecf nh\u1eb7t nh\u1ea5t, th\u1ee9 y\u1ebfu nh\u1ea5t c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 quy k\u1ebft \u0111\u1ebfn nh\u1eefng tr\u00e1ch nhi\u1ec7m v\u00f4 c\u00f9ng \u0111\u1eb7c bi\u1ec7t, v\u00f4 c\u00f9ng nghi\u00eam tr\u1ecdng cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n.<\/li>\n
          2. V\u1ec1 vi\u1ec7c VKS cho r\u1eb1ng: VietinBank ch\u1ec9 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 sai tr\u00e1i c\u1ee7a Nh\u01b0, n\u1ebfu Nh\u01b0 \u0111\u01b0\u1ee3c c\u1eed \u0111i l\u00e0m vi\u1ec7c cho m\u00ecnh, n\u1ebfu c\u00f3 th\u1ee7 t\u1ee5c gi\u1edbi thi\u1ec7u,…. V\u1ea5n \u0111\u1ec1 l\u00e0 Nh\u01b0 mang ti\u1ec1n v\u1ec1 cho VietinBank, ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a VIETIN, ch\u1ee9 c\u00f3 ph\u1ea3i mang ti\u1ec1n b\u1ecf ra ngo\u00e0i h\u1ec7 th\u1ed1ng, hay cho ng\u00e2n h\u00e0ng vi\u1ec7t kh\u00f4ng tin n\u00e0o kh\u00e1c \u0111\u00e2u. Tr\u01b0\u1edbc \u0111\u00e2y, n\u1ebfu nh\u01b0 c\u1ee9 k\u00fd h\u1ee3p \u0111\u1ed3ng m\u00e0 kh\u00f4ng c\u00f3 u\u1ef7 quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt th\u00ec s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u. Nh\u01b0ng \u0111i\u1ec1u n\u00e0y l\u00e0 qu\u00e1 v\u00f4 l\u00fd, qu\u00e1 b\u1ea5t c\u00f4ng, n\u00ean \u0111\u00e3 \u0111\u01b0\u1ee3c H\u1ed9i \u0111\u1ed3ng th\u1ea9m ph\u00e1n To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao h\u01b0\u1edbng d\u1eabn l\u1ea1i. Gi\u1ea3i th\u00edch v\u1ec1 vi\u1ec7c ph\u00e2n c\u00f4ng, u\u1ef7 quy\u1ec1n, Ngh\u1ecb quy\u1ebft s\u1ed1 04\/2003\/NQ-H\u0110TP ng\u00e0y 27-5-2003 c\u1ee7a H\u1ed9i \u0111\u1ed3ng th\u1ea9m ph\u00e1n To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao \u0111\u00e3 n\u00f3i r\u00f5: H\u1ee3p \u0111\u1ed3ng do lao c\u00f4ng, b\u1ea3o v\u1ec7, tr\u01b0\u1edfng ph\u00f2ng,\u2026 k\u00fd kh\u00f4ng c\u00f3 u\u1ef7 quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt, v\u1eabn c\u00f3 th\u1ec3 kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u, n\u1ebfu nh\u01b0 ph\u00e1p nh\u00e2n ch\u1ea5p nh\u1eadn thanh to\u00e1n, ch\u1ea5p nh\u1eadn tr\u1ea3 l\u00e3i, ch\u1ea5p nh\u1eadn s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n, ch\u1eb3ng h\u1ea1n mua \u00f4 t\u00f4 m\u00e0 s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111i l\u00e0m,…<\/li>\n
          3. V\u1ec1 vi\u1ec7c VKS cho r\u1eb1ng: Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u00e3 giao to\u00e0n quy\u1ec1n cho Nh\u01b0 \u0111\u1ecbnh \u0111o\u1ea1t ti\u1ec1n g\u1eedi. Th\u1ef1c t\u1ebf th\u00ec ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u00e3 kh\u00f4ng giao b\u1ea5t c\u1ee9 quy\u1ec1n g\u00ec cho b\u1ecb c\u00e1o Nh\u01b0. N\u1ebfu giao quy\u1ec1n th\u00ec to\u00e0n b\u1ed9 c\u00e1c h\u00e0nh vi c\u1ee7a Nh\u01b0 l\u00e0 \u0111\u00e3 l\u00e0m \u0111\u00fang, \u0111\u00e2y to\u00e0n l\u00e0m sai, gian d\u1ed1i, ch\u1ee9ng t\u1eeb gi\u1ea3, gi\u1ea3 l\u1ec7nh chi.<\/li>\n
          4. V\u1ec1 vi\u1ec7c tr\u00edch ti\u1ec1n sang t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n, VKS cho r\u1eb1ng Nh\u01b0 c\u00f3 quy\u1ec1n chuy\u1ec3n t\u1eeb t\u00e0i kho\u1ea3n n\u00e0y sang t\u00e0i kho\u1ea3n kh\u00e1c (t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m), Ng\u01b0\u1eddi g\u1eedi kh\u00f4ng mang s\u1ed5 ti\u1ebft ki\u1ec7m v\u1ec1. C\u00e1c h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n kh\u00f4ng th\u1ec3 hi\u1ec3u nh\u01b0 v\u1eady. Vi\u1ec7c Nh\u01b0 chuy\u1ec3n sang th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0 vi\u1ec7c l\u00e0m tr\u1ed9m, l\u00e0m sai, ch\u1ee9 ch\u1eb3ng ph\u00e1p lu\u1eadt n\u00e0o ch\u1eb3ng quy \u0111\u1ecbnh n\u00e0o ch\u1eb3ng tho\u1ea3 thu\u1eadn n\u00e0o cho ph\u00e9p. N\u1ebfu c\u1ed1 t\u00ecnh hi\u1ec3u l\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u00e3 giao quy\u1ec1n th\u00ec c\u0169ng ch\u1ec9 l\u00e0 giao cho VietinBank ch\u1ee9 kh\u00f4ng th\u1ec3 l\u00e0 giao cho c\u00e1 nh\u00e2n v\u00e0 c\u00e1i sai c\u0169ng l\u00e0 c\u1ee7a VietinBank. Nh\u01b0 kh\u00f4ng th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3, kh\u00f4ng th\u1ec3 t\u1ef1 m\u00ecnh l\u00e0m \u0111\u01b0\u1ee3c chuy\u1ec7n \u0111\u00f3 m\u00e0 ph\u1ea3i l\u00e0 VietinBank l\u00e0m, ph\u1ea3i nhi\u1ec1u ng\u01b0\u1eddi tham gia, nhi\u1ec1u c\u00f4ng \u0111o\u1ea1n, nhi\u1ec1u th\u1ee7 t\u1ee5c. VietinBank \u0111\u00e2u c\u00f3 cho ph\u00e9p m\u1ed9t c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 t\u1ef1 l\u1eadp \u0111\u01b0\u1ee3c th\u1ebb ti\u1ebft ki\u1ec7m, t\u1ef1 \u0111\u01b0a v\u00e0o c\u1ea7m c\u1ed1 r\u1ed3i t\u1ef1 kh\u1ea5u tr\u1eeb ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng. K\u1ebb tr\u1ed9m l\u1ea5y ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng, l\u1ea1i \u0111\u1ed5 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n l\u00e0 kh\u00f4ng t\u1ef1 gi\u1eef ti\u1ec1n c\u1ee7a m\u00ecnh.<\/li>\n
          5. Mu\u1ed1n l\u1eeba gi th\u00ec l\u1eeba, mu\u1ed1n l\u00e0m sai g\u00ec th\u00ec l\u00e0m sai, nh\u01b0ng ti\u1ec1n \u0111\u00e3 v\u00e0o t\u00e0i kho\u1ea3n, l\u00e0 thu\u1ed9c v\u1ec1 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd c\u1ee7a ng\u00e2n h\u00e0ng, an to\u00e0n hay kh\u00f4ng, m\u1ea5t hay c\u00f2n tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc h\u1ebft l\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng. N\u1ebfu H\u1ed9i \u0111\u1ed3ng x\u00e9t c\u1eed ch\u1ea5p nh\u1eadn nguy\u00ean t\u1eafc ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m g\u00ec trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n nh\u01b0 quan \u0111i\u1ec3m c\u1ee7a VietinBank, th\u00ec \u0111\u00e0nh ph\u1ea3i ch\u1ea5p nh\u1eadn h\u1eadu qu\u1ea3 ti\u1ec1n g\u1eedi trong t\u00e0i kho\u1ea3n s\u1ebd m\u1ea5t b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, d\u00f9 ng\u01b0\u1eddi g\u1eedi kh\u00f4ng c\u00f3 l\u1ed7i.<\/li>\n
          6. Chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 an to\u00e0n h\u01a1n \u0111\u1ec3 \u1edf nh\u00e0, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ecb chi\u1ebfm \u0111o\u1ea1t, v\u00ec c\u00f3 ng\u00e2n h\u00e0ng qu\u1ea3n l\u00fd an to\u00e0n, ch\u00ednh x\u00e1c v\u00e0 b\u1ea3o m\u1eadt, v\u00e0 ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a ng\u00e2n h\u00e0ng, vi \u0111\u00e2y l\u00e0 h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n. V\u00ec v\u1eady, m\u1ea5t ti\u1ec1n l\u00e0 m\u1ea5t c\u1ee7a VietinBank.<\/li>\n
          7. Ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p chuy\u1ec3n ti\u1ec1n theo l\u1ec7nh c\u1ee7a kh\u00e1ch h\u00e0ng, n\u1ebfu nh\u01b0 \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u00e0nh vi r\u1eeda ti\u1ec1n ho\u1eb7c m\u1ee5c \u0111\u00edch b\u1ea5t h\u1ee3p ph\u00e1p, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi ngo\u1ea1i t\u1ec7, c\u00f2n kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p chuy\u1ec3n \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng, n\u1ebfu l\u00e0 giao d\u1ecbch mua b\u00e1n h\u00e0ng ho\u00e1 ho\u00e0n to\u00e0n h\u1ee3p ph\u00e1p th\u00f4ng th\u01b0\u1eddng trong n\u01b0\u1edbc. T\u1ea1i sao ng\u00e2n h\u00e0ng l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p kh\u00f4ng th\u1ef1c hi\u1ec7n l\u1ec7nh thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng? V\u00ec ph\u00e1p lu\u1eadt \u0111\u00f2i h\u1ecfi, y\u00eau c\u1ea7u nh\u01b0 v\u1eady, b\u1eaft bu\u1ed9c nh\u01b0 v\u1eady. T\u00e0i kho\u1ea3n c\u1ee7a VietinBank m\u1edf cho kh\u00e1ch h\u00e0ng ch\u00ednh l\u00e0 m\u1ed9t ng\u0103n t\u1ee7 m\u00e0 ng\u00e2n h\u00e0ng cho kh\u00e1ch h\u00e0ng thu\u00ea, m\u00e0 ng\u01b0\u1eddi qu\u1ea3n l\u00fd, b\u1ea3o v\u1ec7, gi\u1eef kho\u00e1 c\u0169ng ch\u00ednh l\u00e0 ng\u00e2n h\u00e0ng.\/.<\/li>\n<\/ol>\n

            (4.534 ch\u1eef)<\/em>","protected":false},"excerpt":{"rendered":"

            (ANVI) \u2013 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0111\u1ed1i \u0111\u00e1p v\u1edbi Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 Vietinbank ng\u00e0y 21-01-2014 b\u1ea3o v\u1ec7 NAVIBANK t\u1ea1i Phi\u00ean to\u00e0 s\u01a1 th\u1ea9m x\u1eed Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 L\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n t\u1ea1i TP H\u1ed3 Ch\u00ed Minh. K\u00ednh th\u01b0a H\u1ed9i \u0111\u1ed3ng x\u00e9t x\u1eed! T\u00f4i l\u00e0 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, b\u1ea3o […]<\/p>\n","protected":false},"author":2,"featured_media":26203,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-26201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n209a. \u0110\u1ed1i \u0111\u00e1p v\u1edbi Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 VietinBank t\u1ea1i phi\u00ean to\u00e0 x\u1eed Huy\u1ec1n Nh\u01b0 - 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\/vi\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]209a. \u0110\u1ed1i \u0111\u00e1p v\u1edbi Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 VietinBank t\u1ea1i phi\u00ean to\u00e0 x\u1eed Huy\u1ec1n Nh\u01b0[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) \u2013 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0111\u1ed1i \u0111\u00e1p v\u1edbi Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 Vietinbank ng\u00e0y 21-01-2014 b\u1ea3o v\u1ec7 NAVIBANK t\u1ea1i Phi\u00ean to\u00e0 s\u01a1 th\u1ea9m x\u1eed Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 L\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n t\u1ea1i TP H\u1ed3 Ch\u00ed Minh. K\u00ednh th\u01b0a H\u1ed9i \u0111\u1ed3ng x\u00e9t x\u1eed! T\u00f4i l\u00e0 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, b\u1ea3o […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2014-01-24T15:08:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-12T05:16:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2014\/01\/Luat-su-2014.01.21-Tranh-luan-vu-Huyen-Nhu2-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"281\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"34 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"209a. \u0110\u1ed1i \u0111\u00e1p v\u1edbi Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 VietinBank t\u1ea1i phi\u00ean to\u00e0 x\u1eed Huy\u1ec1n Nh\u01b0\",\"datePublished\":\"2014-01-24T15:08:09+00:00\",\"dateModified\":\"2022-06-12T05:16:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\\\/\"},\"wordCount\":6909,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2014\\\/01\\\/Luat-su-2014.01.21-Tranh-luan-vu-Huyen-Nhu2-1.jpg\",\"articleSection\":[\"B\u00ecnh lu\u1eadn\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/209a-doi-dap-voi-vien-kiem-sat-va-vietinbank-bao-ve-quyen-va-loi-ich-hop-phap-cua-navibank\\\/\",\"name\":\"[:vi]209a. \u0110\u1ed1i \u0111\u00e1p v\u1edbi Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0 VietinBank t\u1ea1i phi\u00ean to\u00e0 x\u1eed Huy\u1ec1n Nh\u01b0[:] - 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K\u00ednh th\u01b0a H\u1ed9i \u0111\u1ed3ng x\u00e9t x\u1eed! 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