{"id":26966,"date":"2017-11-29T09:41:41","date_gmt":"2017-11-29T02:41:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26966"},"modified":"2022-06-15T09:44:10","modified_gmt":"2022-06-15T02:44:10","slug":"1-640-viet-nam-co-the-hoc-kinh-nghiem-pha-san-ngan-hang-my","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-640-viet-nam-co-the-hoc-kinh-nghiem-pha-san-ngan-hang-my\/","title":{"rendered":"1.640. Vi\u1ec7t Nam c\u00f3 th\u1ec3 h\u1ecdc kinh nghi\u1ec7m ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng M\u1ef9"},"content":{"rendered":"(GT) – “Ph\u1ea3i kh\u1eb3ng \u0111\u1ecbnh, vi\u1ec7c NH c\u00f4ng b\u1ed1 m\u1ea5t t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n n\u00ean ph\u1ea3i b\u00e1n kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u01b0\u1eddi g\u1eedi ti\u1ec1n”, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh NH cho bi\u1ebft.<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu<\/em><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Qu\u1ed1c h\u1ed9i v\u1eeba th\u00f4ng qua Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i). Theo \u0111\u00f3, cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng (NH) thua l\u1ed7 \u0111\u01b0\u1ee3c ph\u00e1 s\u1ea3n. TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh NH, ng\u01b0\u1eddi t\u1eebng mua b\u00e1n NH \u1edf M\u1ef9 chia s\u1ebb v\u1edbi B\u00e1o Giao th\u00f4ng v\u1ec1 kinh nghi\u1ec7m ph\u00e1 s\u1ea3n NH nh\u01b0ng kh\u00f4ng g\u00e2y \u0111\u1ed5 v\u1ee1 h\u1ec7 th\u1ed1ng v\u00e0 thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n.<\/p>\n

M\u1ef9: \u0110\u00f3ng c\u1eeda ng\u00e2n h\u00e0ng th\u1ee9 6, m\u1edf c\u1eeda giao d\u1ecbch v\u00e0o th\u1ee9 2<\/strong><\/p>\n

Ch\u00ednh ph\u1ee7 M\u1ef9 \u0111\u00e3 ph\u1ea3i b\u1ecf ra 700 t\u1ec9 USD \u0111\u1ec3 c\u1ee9u m\u1ed9t NH \u0111ang g\u1eb7p kh\u00f3 kh\u0103n b\u1eb1ng c\u00e1ch mua c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i c\u1ee7a h\u1ecd. C\u00e1ch l\u00e0m \u0111\u00f3 c\u00f3 g\u00ec kh\u00e1c v\u1edbi Vi\u1ec7t Nam kh\u00f4ng, th\u01b0a \u00f4ng?<\/em><\/strong><\/p>\n

Ch\u00ednh ph\u1ee7 M\u1ef9 ch\u1ec9 tham gia c\u1ee9u NH v\u1edbi m\u1ee5c \u0111\u00edch l\u00e0 b\u01a1m v\u1ed1n v\u00e0o v\u00e0 nh\u1eadn l\u00e3i ch\u1ee9 kh\u00f4ng mua h\u1ebft 100% c\u1ed5 phi\u1ebfu ho\u1eb7c \u0111i\u1ec1u h\u00e0nh NH \u0111\u00f3. Tuy nhi\u00ean, quy\u1ec1n l\u1ee3i m\u00e0 Ch\u00ednh ph\u1ee7 c\u00f3 \u0111\u01b0\u1ee3c khi mua c\u1ed5 phi\u1ebfu \u0111\u1eb7c bi\u1ec7t n\u00e0y l\u00e0 d\u00f9 NH c\u00f3 l\u00e3i hay kh\u00f4ng th\u00ec NH v\u1eabn ph\u1ea3i tr\u1ea3 m\u1ed9t kho\u1ea3n l\u1ee3i t\u1ee9c c\u1ed1 \u0111\u1ecbnh cho kho\u1ea3n ti\u1ec1n \u0111\u00f3. Nh\u1edd th\u1ebf, nhi\u1ec1u NH \u0111\u00e3 tho\u00e1t kh\u1ecfi kh\u00f3 kh\u0103n trong nh\u1eefng n\u0103m kh\u1ee7ng ho\u1ea3ng. Sau khi NH \u0111\u00f3 v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n, \u0103n n\u00ean l\u00e0m ra, h\u1ecd s\u1ebd mua l\u1ea1i ch\u00ednh c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i \u0111\u00e3 b\u00e1n cho Ch\u00ednh ph\u1ee7. C\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p NH \u0111\u00e3 mua l\u1ea1i v\u1edbi gi\u00e1 cao h\u01a1n l\u00fac ph\u00e1t h\u00e0nh v\u00e0 Ch\u00ednh ph\u1ee7 thu l\u1eddi.<\/p>\n

Tr\u01b0\u1edbc khi NH \u0111\u00f3 ph\u00e1 s\u1ea3n, c\u01a1 quan qu\u1ea3n l\u00fd NH s\u1ebd c\u00f3 \u0111\u1ed9ng th\u00e1i h\u1ed7 tr\u1ee3 hay x\u1eed l\u00fd th\u1ebf n\u00e0o, th\u01b0a \u00f4ng?<\/strong><\/em><\/p>\n

Tr\u01b0\u1edbc h\u1ebft, h\u1ecd thanh tra gi\u00e1m s\u00e1t NH y\u1ebfu k\u00e9m xem l\u00fd do n\u00e0o d\u1eabn \u0111\u1ebfn n\u1ee3 x\u1ea5u cao, ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n suy gi\u1ea3m, \u0103n m\u00f2n v\u00e0o v\u1ed1n t\u1ef1 c\u00f3\u2026 N\u1ebfu xu\u1ed1ng qu\u00e1 ng\u01b0\u1ee1ng n\u00e0y th\u00ec c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd bu\u1ed9c NH \u0111\u00f3 ph\u1ea3i b\u1ed5 sung v\u1ed1n \u0111\u1ec3 tr\u1edf l\u1ea1i m\u1ee9c 8%.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p NH \u0111\u00f3 kh\u00f4ng b\u1ed5 sung th\u00eam v\u1ed1n \u0111\u01b0\u1ee3c m\u00e0 h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n ti\u1ebfp t\u1ee5c gi\u1ea3m xu\u1ed1ng 5% h\u1ecd s\u1ebd b\u1ecb c\u1ea3nh c\u00e1o r\u1ea5t n\u1eb7ng n\u1ec1. V\u00e0 khi t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n t\u1eeb 5% xu\u1ed1ng 3% th\u00ec b\u1ea5t c\u1ee9 l\u00fac n\u00e0o c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng c\u00f3 th\u1ec3 \u0111\u1ebfn \u0111\u00f3ng c\u1eeda NH ch\u1ee9 kh\u00f4ng c\u1ea7n \u0111\u1ec3 t\u1ec9 l\u1ec7 n\u00e0y \u00e2m. \u0110\u00f3ng c\u1eeda ngh\u0129a l\u00e0 cho ph\u00e1 s\u1ea3n hay b\u00e1n NH cho NH kh\u00e1c.<\/p>\n

Quy tr\u00ecnh, th\u1ee7 t\u1ee5c m\u1ed9t NH b\u1ecb \u0111\u00f3ng c\u1eeda th\u1ebf n\u00e0o?<\/em><\/strong><\/p>\n

C\u00e1c c\u00f4ng ty \u0111\u1ebfn \u0111\u00f3ng c\u1eeda NH \u1edf M\u1ef9 g\u1ed3m: C\u00f4ng ty ti\u1ec1n g\u1eedi li\u00ean bang c\u1ee7a M\u1ef9 v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd ti\u1ec3u bang. Tuy nhi\u00ean, h\u1ecd l\u00e0m r\u1ea5t nhanh ch\u00f3ng v\u00e0 th\u01b0\u1eddng k\u00e9o \u0111\u1ebfn v\u00e0o s\u00e1ng th\u1ee9 6. L\u00fac n\u00e0y, t\u00ean NH v\u1eabn gi\u1eef nguy\u00ean nh\u01b0ng c\u00f3 k\u00e8m d\u00f2ng ch\u1eef \u0111\u01a1n v\u1ecb qu\u1ea3n l\u00fd. T\u1eeb gi\u1edd ph\u00fat \u0111\u00f3 cho \u0111\u1ebfn hai ng\u00e0y cu\u1ed1i tu\u1ea7n, h\u1ecd s\u1ebd l\u00e0m m\u1ecdi vi\u1ec7c nh\u01b0 thay \u0111\u1ed5i m\u1eadt m\u00e3. S\u00e1ng th\u1ee9 2 \u0111\u1ea7u tu\u1ea7n, NH s\u1ebd m\u1edf c\u1eeda ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng cho kh\u00e1ch h\u00e0ng.<\/p>\n

N\u1ebfu m\u1ed9t NH quy\u1ebft \u0111\u1ecbnh cho ph\u00e1 s\u1ea3n th\u00ec kh\u00e1ch h\u00e0ng n\u00e0o c\u00f3 ti\u1ec1n g\u1eedi t\u1eeb 250.000 USD tr\u1edf l\u1ea1i s\u1ebd \u0111\u01b0\u1ee3c c\u01a1 quan b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi b\u1ed3i th\u01b0\u1eddng ngay t\u1ee9c th\u00ec. C\u00f2n t\u1eeb 250.000 USD tr\u1edf l\u00ean th\u00ec ch\u1edd thanh l\u00fd t\u00e0i s\u1ea3n.<\/p>\n

Tuy nhi\u00ean, \u0111\u00f3 l\u00e0 tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng t\u00ecm \u0111\u01b0\u1ee3c ng\u01b0\u1eddi mua l\u1ea1i. C\u00f2n th\u01b0\u1eddng h\u1ecd kh\u00f4ng ch\u1ecdn c\u00e1ch ph\u00e1 s\u1ea3n m\u00e0 b\u00e1n m\u1ed9t ph\u1ea7n hay to\u00e0n b\u1ed9 NH cho NH kh\u00e1c n\u1ebfu t\u00ecm \u0111\u01b0\u1ee3c ng\u01b0\u1eddi mua. Th\u01b0\u1eddng tr\u01b0\u1edbc ng\u00e0y \u0111\u00f3ng c\u1eeda, \u0111\u1ec3 b\u00e0n giao cho ch\u1ee7 m\u1edbi h\u1ecd \u0111\u00e3 b\u00e0n b\u1ea1c k\u1ef9 n\u00ean qu\u00e1 tr\u00ecnh mua b\u00e1n th\u01b0\u1eddng r\u1ea5t nhanh: \u0110\u00f3ng c\u1eeda th\u1ee9 6 v\u00e0 m\u1edf c\u1eeda NH v\u00e0o th\u1ee9 2.<\/p>\n

N\u00ean t\u0103ng b\u1ea3o hi\u1ec3m\u00a0ti\u1ec1n g\u1eedi t\u1eeb 200-250 tri\u1ec7u \u0111\u1ed3ng<\/strong><\/p>\n

\u00d4ng t\u1eebng s\u1edf h\u1eefu NH t\u1ea1i M\u1ef9 v\u00e0 sau \u0111\u00f3 bu\u1ed9c ph\u1ea3i b\u00e1n \u0111i. Qu\u00e1 tr\u00ecnh b\u00e1n NH c\u1ee7a \u00f4ng c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi c\u0169ng nh\u01b0 kh\u00e1ch h\u00e0ng vay kh\u00f4ng?<\/em><\/strong><\/p>\n

N\u0103m 2009, t\u00f4i c\u0169ng \u0111\u00e3 ph\u1ea3i b\u00e1n NH c\u1ee7a m\u00ecnh nh\u01b0 v\u1eady. Tuy nhi\u00ean, ph\u1ea3i kh\u1eb3ng \u0111\u1ecbnh, vi\u1ec7c NH c\u00f4ng b\u1ed1 m\u1ea5t t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n n\u00ean ph\u1ea3i b\u00e1n kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. Trong th\u01b0\u01a1ng v\u1ee5 mua b\u00e1n n\u00e0y ch\u1ec9 c\u00f3 c\u1ed5 \u0111\u00f4ng l\u00e0 ch\u00fang t\u00f4i ch\u1ecbu l\u1ed7 v\u00ec c\u1ed5 phi\u1ebfu gi\u1ea3m th\u1eadm t\u1ec7 ch\u1ee9 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, ng\u01b0\u1eddi \u0111i vay\u2026 ho\u00e0n to\u00e0n kh\u00f4ng thay \u0111\u1ed5i. Ch\u1ec9 l\u00e0 chuy\u1ec3n giao cho m\u1ed9t \u0111\u1ed1i t\u00e1c m\u1edbi.<\/p>\n

\u0110\u1ec3 th\u1ef1c thi quy \u0111\u1ecbnh v\u1ec1 ph\u00e1 s\u1ea3n NH, theo \u00f4ng, Vi\u1ec7t Nam n\u00ean tri\u1ec3n khai nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 v\u1eabn \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 kh\u00f4ng g\u00e2y \u0111\u1ed5 v\u1ee1 h\u1ec7 th\u1ed1ng?<\/strong><\/em><\/p>\n

Vi\u1ec7t Nam c\u00f3 th\u1ec3 cho ph\u00e9p ng\u00e2n h\u00e0ng ph\u00e1 s\u1ea3n v\u1edbi tr\u00ecnh t\u1ef1 t\u01b0\u01a1ng t\u1ef1. T\u1ea1i M\u1ef9, c\u01a1 quan b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi l\u00e0 T\u1ed5ng c\u00f4ng ty B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi li\u00ean bang (FDIC) c\u1ee7a Ch\u00ednh ph\u1ee7, th\u1ef1c hi\u1ec7n b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng v\u1edbi h\u1ea1n m\u1ee9c 250.000 USD\/t\u00e0i kho\u1ea3n. V\u00ec FDIC l\u00e0 \u0111\u01a1n v\u1ecb ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho kh\u00e1ch h\u00e0ng khi NH ph\u00e1 s\u1ea3n n\u00ean \u0111\u01a1n v\u1ecb n\u00e0y c\u0169ng c\u00f3 m\u1ed9t ch\u1ee9c n\u0103ng r\u1ea5t \u0111\u1eb7c bi\u1ec7t l\u00e0 gi\u00e1m s\u00e1t, thanh tra c\u00e1c NH r\u1ea5t ch\u1eb7t ch\u1ebd v\u00e0 nh\u1eefng m\u00f3n ti\u1ec1n \u0111\u01b0\u1ee3c FDIC b\u1ea3o hi\u1ec3m (d\u01b0\u1edbi 250.000 USD) s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n r\u1ea5t nhanh trong v\u00f2ng m\u1ed9t tu\u1ea7n. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m tr\u00ean 250.000 USD s\u1ebd ch\u1edd \u0111\u1ec3 FDIC b\u00e1n t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 tr\u1ea3 theo th\u1ee9 t\u1ef1 \u01b0u ti\u00ean nh\u01b0 t\u00f4i \u0111\u00e3 n\u00f3i \u1edf tr\u00ean.<\/p>\n

Vi\u1ec7t Nam c\u00f3 th\u1ec3 l\u00e0m theo tr\u00ecnh t\u1ef1 nh\u01b0 v\u1eady. Tuy nhi\u00ean, B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi Vi\u1ec7t Nam (DIV) tr\u00ean nguy\u00ean t\u1eafc c\u00f3 ch\u1ee9c n\u0103ng thanh tra, gi\u00e1m s\u00e1t NH nh\u01b0ng kh\u00f4ng th\u1ef1c hi\u1ec7n. M\u1eb7t kh\u00e1c, 75 tri\u1ec7u \u0111\u1ed3ng l\u00e0 s\u1ed1 ti\u1ec1n d\u1ef1 ki\u1ebfn chi tr\u1ea3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng ph\u00e1 s\u1ea3n v\u1eabn c\u00f2n \u1edf m\u1ee9c th\u1ea5p. T\u00f4i cho r\u1eb1ng, theo nguy\u00ean t\u1eafc, thu nh\u1eadp b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n kho\u1ea3ng 45 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m, n\u00ean h\u1ea1n m\u1ee9c b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi c\u1ea7n n\u00e2ng l\u00ean g\u1ea5p 4 l\u1ea7n thu nh\u1eadp b\u00ecnh qu\u00e2n c\u1ee7a ng\u01b0\u1eddi d\u00e2n, t\u1ee9c l\u00e0 kho\u1ea3ng 200 tri\u1ec7u \u0111\u1ed3ng m\u1edbi h\u1ee3p l\u00fd.<\/p>\n

C\u1ea3m \u01a1n \u00f4ng!<\/em><\/strong><\/p>\n\n\n\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m\u00a0C\u00e2u l\u1ea1c b\u1ed9 ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI:<\/em><\/strong><\/p>\n

M\u1ed9t th\u1ed1ng k\u00ea trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng cho th\u1ea5y, \u201c80% ngu\u1ed3n v\u1ed1n ng\u00e2n h\u00e0ng l\u00e0 c\u1ee7a 20% kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1ee3c l\u1ea1i 80% kh\u00e1ch h\u00e0ng ch\u1ec9 chi\u1ebfm 20% v\u1ed1n g\u1eedi ng\u00e2n h\u00e0ng\u201d.\u00a0C\u00f3 ngh\u0129a kh\u00e1ch g\u1eedi ti\u1ec1n \u1edf ng\u00e2n h\u00e0ng \u0111a s\u1ed1 c\u00f3 kho\u1ea3n ti\u1ec1n nh\u1ecf v\u00e0 Nh\u00e0 n\u01b0\u1edbc ch\u1ee7 tr\u01b0\u01a1ng \u01b0u ti\u00ean b\u1ea3o v\u1ec7, h\u1ed7 tr\u1ee3 nh\u1eefng ng\u01b0\u1eddi n\u00e0y. T\u00f4i cho r\u1eb1ng nh\u1eefng m\u00f3n ti\u1ec1n d\u00e2n t\u00edch c\u00f3p g\u1eedi ti\u1ebft ki\u1ec7m t\u1eeb v\u00e0i ch\u1ee5c \u0111\u1ebfn v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ed3ng n\u00ean \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u1ea7y \u0111\u1ee7 thay v\u00ec ch\u1ec9 t\u1ed1i \u0111a 75 tri\u1ec7u \u0111\u1ed3ng n\u1ebfu ng\u00e2n h\u00e0ng ph\u00e1 s\u1ea3n. N\u1ebfu c\u1ea7n th\u00ec c\u00f3 th\u1ec3 \u1ea5n \u0111\u1ecbnh ngay trong lu\u1eadt v\u1ec1 m\u1ee9c h\u1ed7 tr\u1ee3 n\u00e0y.<\/em><\/p>\n

TS. L\u00ea Xu\u00e2n Ngh\u0129a, nguy\u00ean Ph\u00f3 Ch\u1ee7 t\u1ecbch\u00a0\u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh Qu\u1ed1c gia:<\/strong><\/p>\n

\u0110\u1ed1i v\u1edbi l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, l\u00f2ng tin l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t. N\u1ebfu b\u1eaft bu\u1ed9c ph\u1ea3i cho ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng, \u0111\u1ec3 kh\u00f4ng g\u00e2y \u0111\u1ed5 v\u1ee1 h\u1ec7 th\u1ed1ng ph\u1ea3i c\u00f3 nh\u1eefng quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd. V\u00ed d\u1ee5, trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u1ea7n thi\u1ebft, Ch\u00ednh ph\u1ee7 ph\u1ea3i b\u1ea3o hi\u1ec3m 100% cho ti\u1ec1n g\u1eedi c\u1ee7a ng\u01b0\u1eddi d\u00e2n. Ngo\u00e0i ra, trong h\u1ec7 th\u1ed1ng NH c\u00f3 m\u1ed9t l\u01b0\u1ee3ng ti\u1ec1n nh\u00e0n r\u1ed7i c\u1ee7a ng\u01b0\u1eddi g\u1eedi v\u1edbi s\u1ed1 l\u01b0\u1ee3ng l\u1edbn. C\u1ea7n ph\u1ea3i th\u1eadn tr\u1ecdng \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng c\u00f3 th\u1ec3 d\u1eabn t\u1edbi vi\u1ec7c ng\u01b0\u1eddi d\u00e2n mua v\u00e0ng v\u00e0 ngo\u1ea1i t\u1ec7 v\u1ec1 c\u1ea5t trong k\u00e9t s\u1eaft.<\/p>\n

Ph\u01b0\u01a1ng \u00e1n ph\u00e1 s\u1ea3n bao g\u1ed3m 4 n\u1ed9i dung\u00a0t\u1ed1i thi\u1ec3u:<\/strong><\/p>\n

– M\u1ed9t l\u00e0 \u0111\u00e1nh gi\u00e1 th\u1ef1c tr\u1ea1ng v\u00e0 qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh ch\u1ee7 tr\u01b0\u01a1ng ph\u00e1 s\u1ea3n.<\/p>\n

– Hai l\u00e0 \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng c\u1ee7a vi\u1ec7c th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n ph\u00e1 s\u1ea3n t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

– Ba l\u00e0 ph\u01b0\u01a1ng \u00e1n chi tr\u1ea3 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n.<\/p>\n

– B\u1ed1n l\u00e0 l\u1ed9 tr\u00ecnh th\u1ef1c hi\u1ec7n v\u00e0 tr\u00e1ch nhi\u1ec7m tri\u1ec3n khai ph\u01b0\u01a1ng \u00e1n ph\u00e1 s\u1ea3n.<\/p>\n

(Lu\u1eadt s\u1eeda \u0111\u1ed5i b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1eeba \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Y\u00ean Trang (Th\u1ef1c hi\u1ec7n)<\/strong><\/a><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/strong><\/p>\n

Giao th\u00f4ng (T\u00e0i ch\u00ednh) 29-11-2017:<\/em><\/strong><\/p>\n

http:\/\/www.baogiaothong.vn\/viet-nam-co-the-hoc-kinh-nghiem-pha-san-ngan-hang-my-d234676.html<\/a><\/em><\/p>\n

(131\/1.477)<\/em>","protected":false},"excerpt":{"rendered":"

(GT) – “Ph\u1ea3i kh\u1eb3ng \u0111\u1ecbnh, vi\u1ec7c NH c\u00f4ng b\u1ed1 m\u1ea5t t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n n\u00ean ph\u1ea3i b\u00e1n kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u01b0\u1eddi g\u1eedi ti\u1ec1n”, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh NH cho bi\u1ebft. TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu Qu\u1ed1c h\u1ed9i v\u1eeba th\u00f4ng qua Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i). Theo \u0111\u00f3, […]<\/p>\n","protected":false},"author":3,"featured_media":26967,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.640. Vi\u1ec7t Nam c\u00f3 th\u1ec3 h\u1ecdc kinh nghi\u1ec7m ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng M\u1ef9 - 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\/en\/1-640-viet-nam-co-the-hoc-kinh-nghiem-pha-san-ngan-hang-my\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.640. Vi\u1ec7t Nam c\u00f3 th\u1ec3 h\u1ecdc kinh nghi\u1ec7m ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng M\u1ef9[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(GT) – “Ph\u1ea3i kh\u1eb3ng \u0111\u1ecbnh, vi\u1ec7c NH c\u00f4ng b\u1ed1 m\u1ea5t t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n n\u00ean ph\u1ea3i b\u00e1n kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u01b0\u1eddi g\u1eedi ti\u1ec1n”, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh NH cho bi\u1ebft. TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu Qu\u1ed1c h\u1ed9i v\u1eeba th\u00f4ng qua Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i). Theo \u0111\u00f3, […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/1-640-viet-nam-co-the-hoc-kinh-nghiem-pha-san-ngan-hang-my\/\" \/>\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=\"2017-11-29T02:41:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-15T02:44:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/40.png\" \/>\n\t<meta property=\"og:image:width\" content=\"477\" \/>\n\t<meta property=\"og:image:height\" content=\"283\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\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 Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/1-640-viet-nam-co-the-hoc-kinh-nghiem-pha-san-ngan-hang-my\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/1-640-viet-nam-co-the-hoc-kinh-nghiem-pha-san-ngan-hang-my\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"1.640. 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Vi\u1ec7t Nam c\u00f3 th\u1ec3 h\u1ecdc kinh nghi\u1ec7m ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng M\u1ef9[:] - ANVI Law Firm","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/en\/1-640-viet-nam-co-the-hoc-kinh-nghiem-pha-san-ngan-hang-my\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]1.640. Vi\u1ec7t Nam c\u00f3 th\u1ec3 h\u1ecdc kinh nghi\u1ec7m ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng M\u1ef9[:] - ANVI Law Firm","og_description":"(GT) – “Ph\u1ea3i kh\u1eb3ng \u0111\u1ecbnh, vi\u1ec7c NH c\u00f4ng b\u1ed1 m\u1ea5t t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n n\u00ean ph\u1ea3i b\u00e1n kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u01b0\u1eddi g\u1eedi ti\u1ec1n”, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh NH cho bi\u1ebft. TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu Qu\u1ed1c h\u1ed9i v\u1eeba th\u00f4ng qua Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i). 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