{"id":26825,"date":"2017-07-19T16:55:05","date_gmt":"2017-07-19T09:55:05","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26825"},"modified":"2022-06-14T16:56:52","modified_gmt":"2022-06-14T09:56:52","slug":"1-437-khong-duoc-giu-dang-ky-xe-ban-chinh-ngan-hang-hoang-mang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-437-khong-duoc-giu-dang-ky-xe-ban-chinh-ngan-hang-hoang-mang\/","title":{"rendered":"1.437. Kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1eef \u0111\u0103ng k\u00fd xe b\u1ea3n ch\u00ednh, ng\u00e2n h\u00e0ng hoang mang"},"content":{"rendered":"(TBKT) – “Ng\u00e2n h\u00e0ng khi cho vay mua \u00f4t\u00f4 m\u00e0 kh\u00f4ng gi\u1eef \u0111\u0103ng k\u00fd nh\u01b0 l\u00e0 th\u1ee9 b\u1ea3o b\u1ed1i th\u00ec r\u1ea5t r\u1ee7i ro, c\u00f3 th\u1ec3 m\u1ea5t v\u1ed1n”…<\/strong><\/p>\n

Nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 kh\u00e1ch h\u00e0ng y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c nh\u1eadn l\u1ea1i b\u1ea3n ch\u00ednh gi\u1ea5y \u0111\u0103ng k\u00fd xe \u0111ang th\u1ebf ch\u1ea5p t\u1ea1i ng\u00e2n h\u00e0ng do b\u1ecb x\u1eed ph\u1ea1t khi s\u1eed d\u1ee5ng b\u1ea3n sao gi\u1ea5y \u0111\u0103ng k\u00fd xe c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n

\"\"<\/p>\n

N\u1ebfu ng\u00e2n h\u00e0ng kh\u00f4ng gi\u1eef \u0111\u0103ng k\u00fd \u00f4t\u00f4 b\u1ea3n ch\u00ednh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n vay, ch\u1ee7 xe c\u00f3 th\u1ec3 b\u00e1n v\u00e0 ng\u00e2n h\u00e0ng m\u1ea5t v\u1ed1n. Xung quanh s\u1ef1 vi\u1ec7c \u1ed3n \u00e0o n\u00f3i tr\u00ean, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA) li\u00ean t\u1ee5c c\u00f3 v\u0103n b\u1ea3n ki\u1ebfn ngh\u1ecb c\u00e1c b\u1ed9 ng\u00e0nh th\u00e1o g\u1ee1 v\u01b0\u1edbng m\u1eafc.<\/strong><\/p>\n

Ng\u00e0y 17\/7, VNBA cho bi\u1ebft m\u1edbi g\u1eedi c\u00f4ng v\u0103n s\u1ed1 154\/HHNH-PLNV l\u00ean 3 b\u1ed9 C\u00f4ng an, T\u01b0 ph\u00e1p, Giao th\u00f4ng V\u1eadn t\u1ea3i ph\u1ea3n \u00e1nh kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ef1c hi\u1ec7n C\u00f4ng v\u0103n s\u1ed1 2916\/C67-P9 ng\u00e0y 31\/5\/2017 c\u1ee7a C\u1ee5c C\u1ea3nh s\u00e1t giao th\u00f4ng (B\u1ed9 C\u00f4ng an) v\u1ec1 vi\u1ec7c h\u01b0\u1edbng d\u1eabn c\u00f4ng an c\u00e1c t\u1ec9nh, th\u00e0nh ph\u1ed1 x\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng s\u1eed d\u1ee5ng b\u1ea3n sao gi\u1ea5y \u0111\u0103ng k\u00fd xe c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n

Ng\u00e2n h\u00e0ng\u00a0than phi\u1ec1n<\/strong><\/p>\n

Theo c\u00f4ng v\u0103n n\u00e0y, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng r\u1ea5t hoang mang, lo l\u1eafng, nh\u1ea5t l\u00e0 nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng mua \u00f4t\u00f4 chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn.<\/p>\n

Th\u1ef1c t\u1ebf, c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 l\u0129nh v\u1ef1c n\u00e0y kho\u1ea3ng 30%, trong \u0111\u00f3 t\u1ef7 l\u1ec7 kho\u1ea3n vay \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o ch\u00ednh b\u1eb1ng xe \u00f4t\u00f4 h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n vay chi\u1ebfm kho\u1ea3ng 90% v\u1edbi gi\u00e1 tr\u1ecb m\u1ed7i kho\u1ea3n vay l\u00ean t\u1edbi 80 \u2013 90% gi\u00e1 tr\u1ecb xe.<\/p>\n

Nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 kh\u00e1ch h\u00e0ng y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c nh\u1eadn l\u1ea1i b\u1ea3n ch\u00ednh gi\u1ea5y \u0111\u0103ng k\u00fd xe \u0111ang th\u1ebf ch\u1ea5p t\u1ea1i ng\u00e2n h\u00e0ng do b\u1ecb x\u1eed ph\u1ea1t khi s\u1eed d\u1ee5ng b\u1ea3n sao gi\u1ea5y \u0111\u0103ng k\u00fd xe c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n

Trong khi \u0111\u00f3, xe \u00f4t\u00f4 l\u00e0 m\u1ed9t t\u00e0i s\u1ea3n \u0111\u1eb7c th\u00f9, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i chung \u0111\u1ec1u kh\u00f4ng th\u1ec3 qu\u1ea3n l\u00fd c\u1ea7m gi\u1eef xe \u00f4t\u00f4 m\u00e0 ch\u1ec9 c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c r\u1ee7i ro th\u00f4ng qua gi\u1eef b\u1ea3n ch\u00ednh gi\u1ea5y \u0111\u0103ng k\u00fd xe.<\/p>\n

N\u1ebfu \u0111\u1ec3 b\u00ean th\u1ebf ch\u1ea5p v\u1eeba gi\u1eef \u00f4t\u00f4 v\u1eeba gi\u1eef b\u1ea3n ch\u00ednh gi\u1ea5y \u0111\u0103ng k\u00fd xe th\u00ec kh\u00e1ch h\u00e0ng vay v\u1ed1n c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng chuy\u1ec3n nh\u01b0\u1ee3ng, mua b\u00e1n, cho thu\u00ea, c\u1ea7m \u0111\u1ed3…<\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng th\u1ec3 ki\u1ec3m so\u00e1t, qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c kho\u1ea3n vay, kh\u00f4ng th\u1ec3 x\u1eed l\u00fd, thanh l\u00fd kho\u1ea3n vay khi kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, c\u00f3 nguy c\u01a1 s\u1ebd l\u00e0m t\u0103ng n\u1ee3 x\u1ea5u c\u1ee7a t\u1ed5 ch\u1ee9c t\u00ednh d\u1ee5ng.\u00a0T\u1eeb \u0111\u00f3, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd e ng\u1ea1i cho vay, h\u1ea1n ch\u1ebf s\u1ef1 ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

T\u01b0\u01a1ng t\u1ef1 tr\u00ean, ng\u00e0y 12\/7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng g\u1eedi v\u0103n b\u1ea3n t\u1edbi c\u00e1c b\u1ed9 T\u01b0 ph\u00e1p, C\u00f4ng an ph\u1ea3n \u00e1nh nh\u1eefng kh\u00f3 kh\u0103n khi ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1eef gi\u1ea5y t\u1edd \u0111\u0103ng k\u00fd \u00f4t\u00f4 b\u1ea3n ch\u00ednh.<\/p>\n

\u201c\u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 d\u1eabn t\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i ng\u1eebng cho vay c\u00f3 th\u1ebf ch\u1ea5p b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng v\u1eadn t\u1ea3i. Khi \u0111\u00f3, ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p s\u1ebd kh\u00f4ng c\u00f2n c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ec3 vay v\u1ed1n; b\u1ecb gi\u1ea3m kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p\u201d, v\u0103n b\u1ea3n vi\u1ebft.<\/p>\n

Ch\u1edd ngh\u1ecb \u0111\u1ecbnh m\u1edbi\u00a0quy \u0111\u1ecbnh r\u00f5<\/strong><\/p>\n

Theo \u00fd ki\u1ebfn c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1ea1i v\u0103n b\u1ea3n s\u1ed1 5486\/NHNN-PC ng\u00e0y 12\/7 g\u1eedi c\u00e1c b\u1ed9 T\u01b0 ph\u00e1p, C\u00f4ng an ph\u1ea3n \u00e1nh b\u1ea5t c\u1eadp n\u00eau tr\u00ean th\u00ec th\u1ef1c ti\u1ec5n th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung b\u1edfi Ngh\u1ecb \u0111\u1ecbnh 11\/2012\/N\u0110-CP) v\u1ec1 b\u00ean th\u1ebf ch\u1ea5p gi\u1eef b\u1ea3n ch\u00ednh Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng \u0111\u00e3 n\u1ea3y sinh nh\u1eefng kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc, ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro \u0111\u1ed1i v\u1edbi b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n

Ngo\u00e0i ra, B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 2015 c\u00f3 quy \u0111\u1ecbnh r\u00f5 b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p c\u00f3 quy\u1ec1n gi\u1eef gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u1ebfu c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn. Do \u0111\u00f3, vi\u1ec7c quy \u0111\u1ecbnh b\u00ean th\u1ebf ch\u1ea5p gi\u1eef b\u1ea3n ch\u00ednh Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng, \u0111\u1ed3ng th\u1eddi v\u1eabn gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung b\u1edfi Ngh\u1ecb \u0111\u1ecbnh 11\/2012\/N\u0110-CP) \u0111\u00e3 kh\u00f4ng c\u00f2n ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 v\u00e0 d\u1eabn t\u1edbi nh\u1eefng kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc nh\u01b0 \u0111\u00e3 n\u1ea3y sinh trong th\u1eddi gian qua.<\/p>\n

B\u1edfi v\u1eady, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho r\u1eb1ng, B\u1ed9 T\u01b0 ph\u00e1p c\u1ea7n ho\u00e0n thi\u1ec7n v\u00e0 tr\u00ecnh Ch\u00ednh ph\u1ee7 ban h\u00e0nh\u00a0ngh\u1ecb \u0111\u1ecbnh thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP, Ngh\u1ecb \u0111\u1ecbnh 11\/2012\/N\u0110-CP theo h\u01b0\u1edbng quy \u0111\u1ecbnh b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p c\u00f3 quy\u1ec1n gi\u1eef b\u1ea3n ch\u00ednh gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 2015.<\/p>\n

Trong th\u1eddi gian ch\u1edd ngh\u1ecb \u0111\u1ecbnh n\u00e0y, B\u1ed9 C\u00f4ng an c\u1ea7n ch\u1ec9 \u0111\u1ea1o c\u00f4ng an c\u00e1c c\u1ea5p ch\u1ea5p nh\u1eadn \u0111\u1ec3 ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng s\u1eed d\u1ee5ng b\u1ea3n sao Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng khi l\u01b0u th\u00f4ng ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng.<\/p>\n

Trong khi \u0111\u00f3, theo ph\u00e2n t\u00edch c\u1ee7a lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) cho r\u1eb1ng, vi\u1ec7c c\u1ea3nh s\u00e1t giao th\u00f4ng x\u1eed ph\u1ea1t l\u00e1i xe \u00f4t\u00f4 kh\u00f4ng xu\u1ea5t tr\u00ecnh b\u1ea3n g\u1ed1c \u0111\u0103ng k\u00fd xe l\u00e0 \u0111\u00fang theo kho\u1ea3n 1 \u0110i\u1ec1u 58 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe tham gia giao th\u00f4ng\u201d.\u00a0<\/em><\/p>\n

H\u01a1n n\u1eefa, Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9 n\u0103m 2008 c\u0169ng quy \u0111\u1ecbnh: l\u00e1i xe \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n ph\u1ea3i mang theo m\u1ed9t trong c\u00e1c gi\u1ea5y t\u1edd \u0111\u00f3 l\u00e0 \u0111\u0103ng k\u00fd.<\/em><\/p>\n

\u201cNh\u01b0ng tr\u00e1i l\u1ea1i, ng\u00e2n h\u00e0ng khi cho vay mua \u00f4t\u00f4 m\u00e0 kh\u00f4ng gi\u1eef \u0111\u0103ng k\u00fd nh\u01b0 l\u00e0 th\u1ee9 b\u1ea3o b\u1ed1i th\u00ec r\u1ea5t r\u1ee7i ro, c\u00f3 th\u1ec3 m\u1ea5t v\u1ed1n. Trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng c\u1ee9 gi\u1eef b\u1ea3n g\u1ed1c \u0111\u0103ng k\u00fd xe th\u00ec kh\u00e1ch h\u00e0ng l\u1ea1i kh\u1ed5 v\u00ec b\u1ecb ph\u1ea1t\u201d, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

T\u1eeb th\u1ef1c ti\u1ec5n tr\u00ean, VNBA ki\u1ebfn ngh\u1ecb: m\u1ed9t l\u00e0, B\u1ed9 C\u00f4ng an ch\u1ec9 \u0111\u1ea1o C\u1ee5c C\u1ea3nh s\u00e1t giao th\u00f4ng kh\u00f4ng x\u1eed ph\u1ea1t ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n \u00f4t\u00f4 mang theo b\u1ea3n sao c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n

Hai l\u00e0, B\u1ed9 T\u01b0 ph\u00e1p nhanh ch\u00f3ng ho\u00e0n thi\u1ec7n v\u00e0 tr\u00ecnh Ch\u00ednh ph\u1ee7 ban h\u00e0nh ngh\u1ecb \u0111\u1ecbnh m\u1edbi thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 163 v\u00e0 ngh\u1ecb \u0111\u1ecbnh 11 \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. Ba l\u00e0, B\u1ed9 Giao th\u00f4ng V\u1eadn t\u1ea3i ch\u1ec9 \u0111\u1ea1o Thanh tra giao th\u00f4ng cho ph\u00e9p l\u00e1i xe xu\u1ea5t tr\u00ecnh \u0111\u0103ng k\u00fd \u00f4t\u00f4 b\u1ea3n sao c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

NGUY\u1ec4N HO\u00c0I<\/strong><\/a><\/p>\n

———————————————————————–<\/p>\n

Th\u1eddi b\u00e1o Kinh t\u1ebf Vi\u1ec7t Nam (Ng\u00e2n h\u00e0ng) 19-7-2017:<\/em><\/strong><\/p>\n

http:\/\/vneconomy.vn\/ngan-hang\/khong-duoc-giu-dang-ky-xe-ban-chinh-ngan-hang-hoang-mang-20170718104216885.htm<\/a><\/em><\/p>\n

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