{"id":26495,"date":"2018-05-13T14:59:54","date_gmt":"2018-05-13T07:59:54","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26495"},"modified":"2022-06-13T15:07:53","modified_gmt":"2022-06-13T08:07:53","slug":"1-823-tien-gui-boc-hoi-70-la-trach-nhiem-cua-khach-hang-30-la-cua-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-823-tien-gui-boc-hoi-70-la-trach-nhiem-cua-khach-hang-30-la-cua-ngan-hang\/","title":{"rendered":"1.823. Ti\u1ec1n g\u1eedi \u2018b\u1ed1c h\u01a1i\u2019: \u201870% l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, 30% l\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng\u2019"},"content":{"rendered":"<strong>(VNF) &#8211; \u201cCh\u00fang ta th\u01b0\u1eddng n\u00f3i ph\u1ea3i c\u00f3 2 ng\u01b0\u1eddi m\u1edbi nh\u1ea3y \u0111\u01b0\u1ee3c \u0111i\u1ec7u tango, nh\u1eefng sai ph\u1ea1m nh\u01b0 th\u1ebf ph\u1ea3i c\u00f3 s\u1ef1 c\u1ed9ng h\u01b0\u1edfng gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng. T\u00f4i ngh\u0129 l\u00e0 tr\u00e1ch nhi\u1ec7m ch\u00ednh l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00f3 l\u1ebd 70%, c\u00f2n l\u1ea1i 30% c\u1ee7a ng\u00e2n h\u00e0ng\u201d, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu n\u00eau quan \u0111i\u1ec3m v\u1ec1 hi\u1ec7n t\u01b0\u1ee3ng ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c \u201cb\u1ed1c h\u01a1i\u201d.<\/strong><\/p>\n<p>Trao \u0111\u1ed5i v\u1edbi b\u00e1o gi\u1edbi v\u1ec1 hi\u1ec7n t\u01b0\u1ee3ng <a href=\"http:\/\/vietnamfinance.vn\/vu-mat-50-ty-o-eximbank-nghe-an-khach-hang-khong-chap-nhan-yeu-cau-hoan-xu-cua-eximbank-20180424160842001.htm\">ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c \u201cb\u1ed1c h\u01a1i\u201d<\/a>, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu b\u00e0y t\u1ecf r\u1ea5t ng\u1ea1c nhi\u00ean v\u00ec tr\u01b0\u1edbc \u0111\u00e2y, \u00f4ng l\u00e0m vi\u1ec7c \u1edf ng\u00e2n h\u00e0ng M\u1ef9 30 n\u0103m, ch\u01b0a bao gi\u1edd g\u1eb7p tr\u01b0\u1eddng h\u1ee3p ti\u1ec1n g\u1eedi kh\u00e1ch h\u00e0ng b\u1ecb \u201cb\u1ed1c h\u01a1i\u201d.<\/p>\n<p>\u201cT\u00f4i th\u1ea5y h\u00ecnh nh\u01b0 c\u00f3 m\u1ed9t l\u1ed7 h\u1ed5ng v\u1ec1 qu\u1ea3n l\u00fd, 3 \u0111\u1ed1i t\u01b0\u1ee3ng trong qu\u1ea3n l\u00fd \u0111\u00f3 l\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd, ng\u00e2n h\u00e0ng, kh\u00e1ch h\u00e0ng. C\u1ea3 3 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00f3 \u0111\u1ec1u c\u00f3 s\u01a1 h\u1edf\u201d, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u00ecn nh\u1eadn.<\/p>\n<p>Th\u1ee9 nh\u1ea5t, theo TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, l\u00e0 s\u01a1 h\u1edf c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 kh\u00f4ng ki\u1ec3m tra th\u01b0\u1eddng xuy\u00ean v\u00e0 c\u00f3 nh\u1eefng \u0111\u1ed9ng th\u00e1i \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh. Th\u1ee9 hai l\u00e0 s\u01a1 h\u1edf c\u1ee7a ng\u00e2n h\u00e0ng khi c\u00f3 ch\u1ebf \u0111\u1ed9 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng, g\u1eedi c\u00e1n b\u1ed9 \u0111\u1ebfn giao d\u1ecbch ti\u1ec1n g\u1eedi t\u1ea1i t\u01b0 gia c\u1ee7a kh\u00e1ch h\u00e0ng. Th\u1ee9 ba, nhi\u1ec1u quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng ch\u01b0a ch\u1eb7t ch\u1ebd.<\/p>\n<p>\u201cCh\u00fang ta th\u01b0\u1eddng n\u00f3i ph\u1ea3i c\u00f3 2 ng\u01b0\u1eddi m\u1edbi nh\u1ea3y \u0111\u01b0\u1ee3c \u0111i\u1ec7u tango, nh\u1eefng sai ph\u1ea1m nh\u01b0 th\u1ebf ph\u1ea3i c\u00f3 s\u1ef1 c\u1ed9ng h\u01b0\u1edfng gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng. T\u00f4i ngh\u0129 l\u00e0 tr\u00e1ch nhi\u1ec7m ch\u00ednh l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00f3 l\u1ebd 70%, c\u00f2n l\u1ea1i 30% c\u1ee7a ng\u00e2n h\u00e0ng\u201d, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu n\u00eau quan \u0111i\u1ec3m.<\/p>\n<p>N\u00f3i th\u00eam v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng \u0111\u1ec3 cho c\u00e1n b\u1ed9 \u0111\u1ebfn ph\u1ee5c v\u1ee5 t\u1ea1i t\u01b0 gia, \u00f4ng Hi\u1ebfu n\u00f3i th\u00f4ng l\u1ec7 l\u00e0 kh\u00e1ch h\u00e0ng \u0111\u1ebfn ng\u00e2n h\u00e0ng v\u00e0o gi\u1edd l\u00e0m vi\u1ec7c, trao ti\u1ec1n ho\u1eb7c r\u00fat ti\u1ec1n c\u00f3 s\u1ef1 h\u1ee3p t\u00e1c c\u1ee7a giao d\u1ecbch vi\u00ean, c\u00f3 ch\u1ee9ng gi\u00e1m c\u1ee7a tr\u01b0\u1edfng \u0111\u01a1n v\u1ecb, c\u00f3 ki\u1ec3m so\u00e1t vi\u00ean \u0111\u1ec3 ki\u1ec3m so\u00e1t giao d\u1ecbch th\u00ec ti\u1ec1n v\u00e0o kho qu\u1ef9, ti\u1ec1n xu\u1ea5t kho qu\u1ef9 \u0111\u01b0\u1ee3c h\u1ea1ch to\u00e1n t\u1ee9c th\u00ec. N\u1ebfu \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c nh\u01b0 v\u1eady th\u00ec theo \u00f4ng s\u1ebd kh\u00f4ng c\u00f3 chuy\u1ec7n g\u00ec x\u1ea3y ra.<\/p>\n<p>\u201cNh\u01b0ng m\u00e0 c\u00f3 l\u1ebd 50\/50 th\u00ec \u0111\u00fang h\u01a1n\u201d, \u00f4ng Hi\u1ebfu \u0111\u00e1nh gi\u00e1 v\u1ec1 tr\u00e1ch nhi\u1ec7m gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng trong c\u00e1c v\u1ee5 ti\u1ec1n g\u1eedi \u201cb\u1ed1c h\u01a1i\u201d.<\/p>\n<p><em>Kh\u00e1 tr\u00e1i ng\u01b0\u1ee3c v\u1edbi quan \u0111i\u1ec3m c\u1ee7a TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho hay \u00f4ng \u0111\u00e3 \u0111\u1ecdc r\u1ea5t k\u1ef9 quy ch\u1ebf 1160 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, trong \u0111\u00f3 c\u00f3 n\u00f3i r\u1eb1ng ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n ban h\u00e0nh c\u00e1c th\u1ee7 t\u1ee5c, quy tr\u00ecnh \u0111\u1ea3m b\u1ea3o ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng ti\u1ec7n l\u1ee3i, nh\u01b0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o s\u1ef1 ch\u00ednh x\u00e1c v\u00e0 an to\u00e0n.<\/em><\/p>\n<p><em>\u201cT\u00f4i lu\u00f4n lu\u00f4n kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 l\u1ed7 c\u0169ng \u0111\u01b0\u1ee3c, ph\u00e1 s\u1ea3n c\u0169ng \u0111\u01b0\u1ee3c nh\u01b0ng an to\u00e0n l\u00e0 h\u00e0ng \u0111\u1ea7u, b\u1edfi n\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn an ninh h\u1ec7 th\u1ed1ng ti\u1ec1n t\u1ec7, t\u00e2m l\u00fd x\u00e3 h\u1ed9i\u2026\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n<p><em>Lu\u1eadt s\u01b0 kh\u1eb3ng \u0111\u1ecbnh, n\u1ebfu nh\u01b0 ng\u00e2n h\u00e0ng l\u00e0m \u0111\u00fang th\u00ec kh\u00f4ng bao gi\u1edd \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ea1m t\u1ed9i l\u1ea5y \u0111\u01b0\u1ee3c ti\u1ec1n t\u1eeb ng\u00e2n h\u00e0ng d\u00f9 kh\u00e1ch h\u00e0ng c\u00f3 m\u1ea5t s\u1ed5 ti\u1ebft ki\u1ec7m, d\u00f9 kh\u00e1ch h\u00e0ng c\u00f3 \u0111\u01b0a ch\u1ee9ng minh nh\u00e2n d\u00e2n cho ng\u01b0\u1eddi gian l\u1eadn.<\/em><\/p>\n<p><em>\u201cKh\u00e1ch h\u00e0ng c\u00f3 l\u1ed7i 1 th\u00ec ng\u00e2n h\u00e0ng c\u00f3 l\u1ed7i 10\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u00e1nh gi\u00e1.<\/em><\/p>\n<p><em>Theo \u00f4ng \u0110\u1ee9c, ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u00ec t\u1ea5t c\u1ea3 \u0111\u1ec1u l\u00e0 c\u00e1n b\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng, l\u00e0 ng\u01b0\u1eddi c\u1ee7a ph\u00e1p nh\u00e2n, kh\u00e1ch h\u00e0ng giao d\u1ecbch ch\u1ec9 bi\u1ebft tin v\u00e0o c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng v\u1edbi quy tr\u00ecnh, v\u1edbi uy t\u00edn ng\u00e2n h\u00e0ng th\u00ec \u201cb\u1ea3o g\u00ec ng\u01b0\u1eddi ta l\u00e0m th\u1ebf\u201d. T\u1ea5t c\u1ea3 lu\u1eadt ch\u01a1i do ng\u00e2n h\u00e0ng \u00e1p \u0111\u1eb7t, ch\u1ee9 kh\u00f4ng kh\u00e1ch h\u00e0ng n\u00e0o m\u00e0 \u00e9p \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng.<\/em><\/p>\n<p><em>\u201cM\u1ed9t nguy\u00ean nh\u00e2n c\u0103n b\u1ea3n nh\u1ea5t l\u00e0 hi\u1ec3u sai r\u1ea5t tr\u1ea7m tr\u1ecdng B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1. T\u1eeb nh\u1eefng v\u1ee5 \u00e1n nh\u01b0 Huy\u1ec1n Nh\u01b0, ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m g\u00ec \u0111\u1ebfn nh\u1eefng v\u1ee5 \u00e1n nh\u1ecf h\u01a1n. C\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt \u0111\u1ec1u c\u00f3 thi\u00ean h\u01b0\u1edbng, c\u1ee9 v\u1ee5 n\u00e0o c\u00f3 y\u1ebfu t\u1ed1 h\u00ecnh s\u1ef1 th\u00ec c\u00e1 nh\u00e2n \u0111\u1ea5y, t\u1ed9i ph\u1ea1m \u0111\u1ea5y ph\u1ea3i \u0111\u1ec1n. C\u00f2n t\u1ea5t c\u1ea3 c\u00e1c v\u1ee5 d\u00e2n s\u1ef1, t\u00f4i kh\u1eb3ng \u0111\u1ecbnh ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ec1n\u201d, \u00f4ng \u0110\u1ee9c n\u00eau quan \u0111i\u1ec3m.<\/em><\/p>\n<p><em>Theo lu\u1eadt s\u01b0, \u0111i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3, ng\u00e2n h\u00e0ng kh\u00f4ng m\u1ea5t ti\u1ec1n, \u201cc\u1ee7a kh\u00f4ng \u0111au, con kh\u00f4ng x\u00f3t\u201d, kh\u00f4ng n\u00e2ng cao tr\u00e1ch nhi\u1ec7m, kh\u00f4ng ho\u00e0n thi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p. \u00d4ng \u0110\u1ee9c kh\u1eb3ng \u0111\u1ecbnh n\u1ebfu nguy c\u01a1 kh\u00f4ng ph\u1ea3i c\u1ee7a ng\u01b0\u1eddi kh\u00e1c m\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec l\u1eadp t\u1ee9c s\u1ebd c\u00f3 \u0111\u1ee7 gi\u1ea3i ph\u00e1p, an to\u00e0n t\u1ed1i \u0111a ch\u1ee9 kh\u00f4ng x\u1ea3y ra m\u1ed9t c\u00e1ch tr\u00e0n lan nh\u01b0 v\u1eeba qua.<\/em><\/p>\n<p><strong>Minh T\u00e2m<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p><strong><em>Vietnam Finace (Ng\u00e2n h\u00e0ng) 13-5-2018:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/vietnamfinance.vn\/tien-gui-boc-hoi-70-la-trach-nhiem-cua-khach-hang-30-la-cua-ngan-hang-20180504224207015.htm\">http:\/\/vietnamfinance.vn\/tien-gui-boc-hoi-70-la-trach-nhiem-cua-khach-hang-30-la-cua-ngan-hang-20180504224207015.htm<\/a><\/em><\/p>\n<p><em>(392\/837)<\/em>","protected":false},"excerpt":{"rendered":"<p>(VNF) &#8211; \u201cCh\u00fang ta th\u01b0\u1eddng n\u00f3i ph\u1ea3i c\u00f3 2 ng\u01b0\u1eddi m\u1edbi nh\u1ea3y \u0111\u01b0\u1ee3c \u0111i\u1ec7u tango, nh\u1eefng sai ph\u1ea1m nh\u01b0 th\u1ebf ph\u1ea3i c\u00f3 s\u1ef1 c\u1ed9ng h\u01b0\u1edfng gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng. T\u00f4i ngh\u0129 l\u00e0 tr\u00e1ch nhi\u1ec7m ch\u00ednh l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00f3 l\u1ebd 70%, c\u00f2n l\u1ea1i 30% c\u1ee7a ng\u00e2n h\u00e0ng\u201d, TS Nguy\u1ec5n Tr\u00ed [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":25003,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.823. 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