{"id":27169,"date":"2017-06-07T11:23:09","date_gmt":"2017-06-07T04:23:09","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27169"},"modified":"2022-06-15T11:27:15","modified_gmt":"2022-06-15T04:27:15","slug":"1-353-bong-dung-phai-chuyen-doi-tai-khoan-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-353-bong-dung-phai-chuyen-doi-tai-khoan-ngan-hang\/","title":{"rendered":"1.353. B\u1ed7ng d\u01b0ng ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng"},"content":{"rendered":"(ANT\u0110) – Vi\u1ec7c t\u00e0i kho\u1ea3n c\u1ee7a c\u00e1c h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, doanh nghi\u1ec7p t\u01b0 nh\u00e2n, v\u0103n ph\u00f2ng lu\u1eadt s\u01b0\u2026 ph\u1ea3i chuy\u1ec3n sang c\u00e1 nh\u00e2n ho\u1eb7c b\u1ecb x\u00f3a b\u1ecf s\u1ebd g\u00e2y x\u00e1o tr\u1ed9n kh\u00f4ng nh\u1ecf.<\/strong><\/p>\n

Th\u00f4ng t\u01b0 s\u1ed1 32\/2016\/TT-NHNN v\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 23\/2014\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) h\u01b0\u1edbng d\u1eabn vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n quy \u0111\u1ecbnh c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n kh\u00f4ng thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a, c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n nh\u01b0: h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, doanh nghi\u1ec7p t\u01b0 nh\u00e2n, v\u0103n ph\u00f2ng lu\u1eadt s\u01b0\u2026 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n.<\/p>\n

\"\"<\/p>\n

Th\u00f4ng t\u01b0 32 s\u1ebd g\u00e2y nhi\u1ec1u x\u00e1o tr\u1ed9n v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n<\/em><\/p>\n

Kh\u00f4ng chuy\u1ec3n \u0111\u1ed5i, s\u1ebd b\u1ecb kh\u00f3a t\u00e0i kho\u1ea3n<\/strong><\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u00e1t \u0111i th\u00f4ng b\u00e1o y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n chuy\u1ec3n \u0111\u1ed5i t\u00e0i kho\u1ea3n sang t\u00ean c\u00e1 nh\u00e2n ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ho\u1eb7c s\u1ebd \u0111\u00f3ng t\u00e0i kho\u1ea3n t\u1eeb th\u00e1ng 3-2018.<\/p>\n

Ch\u1eb3ng h\u1ea1n, Ng\u00e2n h\u00e0ng TMCP Qu\u00e2n \u0111\u1ed9i (MB) ra th\u00f4ng b\u00e1o \u0111\u1ebfn kh\u00e1ch h\u00e0ng y\u00eau c\u1ea7u c\u00e1c kh\u00e1ch h\u00e0ng l\u00e0 h\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, doanh nghi\u1ec7p t\u01b0 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00e1c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n k\u00fd l\u1ea1i h\u1ee3p \u0111\u1ed3ng m\u1edf, s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n (TKTT) \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i sang h\u00ecnh th\u1ee9c TKTT c\u1ee7a c\u00e1 nh\u00e2n ho\u1eb7c TKTT chung ho\u1eb7c \u0111\u00f3ng TKTT. \u201cTh\u1eddi \u0111i\u1ec3m ho\u00e0n t\u1ea5t vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i l\u00e0 tr\u01b0\u1edbc ng\u00e0y 1-3-2018. Sau th\u1eddi \u0111i\u1ec3m 1-3-2018, MB s\u1ebd th\u1ef1c hi\u1ec7n \u0111\u00f3ng t\u00e0i kho\u1ea3n\u201d – MB cho bi\u1ebft.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, Ng\u00e2n h\u00e0ng TMCP Xu\u1ea5t nh\u1eadp kh\u1ea9u Vi\u1ec7t Nam (Eximbank) c\u0169ng cho bi\u1ebft, sau ng\u00e0y 1-3-2018, Eximbank s\u1ebd th\u1ef1c hi\u1ec7n \u0111\u00f3ng c\u00e1c t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n ch\u01b0a ho\u00e0n th\u00e0nh vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i h\u00ecnh th\u1ee9c t\u00e0i kho\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a NHNN…<\/p>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, \u0111\u1ea1i di\u1ec7n NHNN cho r\u1eb1ng, quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 32 l\u00e0 nh\u1eb1m ph\u00f9 h\u1ee3p v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. Theo \u0111\u00f3, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh, ch\u1ee7 th\u1ec3 c\u1ee7a quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n.<\/p>\n

\u201cNh\u01b0 v\u1eady, c\u00f3 th\u1ec3 n\u00f3i vi\u1ec7c h\u1ea1n ch\u1ebf ch\u1ee7 th\u1ec3 tham gia giao d\u1ecbch m\u1edf, s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 v\u00e0 quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng m\u1edf, s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i Th\u00f4ng t\u01b0 32 l\u00e0 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3 c\u1ee7a quan h\u1ec7 d\u00e2n s\u1ef1 trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. Quy \u0111\u1ecbnh n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft, h\u1ea1n ch\u1ebf r\u1ee7i ro cho c\u00e1c b\u00ean, b\u1ea3o \u0111\u1ea3m c\u00e1c giao d\u1ecbch m\u1edf, s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u do vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3 theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015\u201d – b\u00e0 Ho\u00e0ng Tuy\u1ebft Minh – Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n, NHNN cho bi\u1ebft.<\/p>\n

S\u1ebd g\u00e2y x\u00e1o tr\u1ed9n l\u1edbn<\/strong><\/p>\n

Theo c\u00e1c chuy\u00ean gia, y\u00eau c\u1ea7u chuy\u1ec3n t\u00ean t\u00e0i kho\u1ea3n c\u00e1c t\u1ed5 ch\u1ee9c sang t\u00ean c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n s\u1ebd c\u00f3 th\u1ec3 g\u00e2y n\u00ean s\u1ef1 \u1ea3nh h\u01b0\u1edfng, x\u00e1o tr\u1ed9n kh\u00f4ng \u0111\u00e1ng c\u00f3. Ch\u1eb3ng h\u1ea1n c\u00e1c v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u00f3 th\u1ec3 thay \u0111\u1ed5i ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n th\u01b0\u1eddng xuy\u00ean v\u00e0 b\u1ea3n th\u00e2n c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c thu\u00ea \u0111\u1ea1i di\u1ec7n cho v\u0103n ph\u00f2ng c\u0169ng kh\u00f4ng th\u1ec3 \u0111\u1ee9ng t\u00ean t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a v\u0103n ph\u00f2ng \u0111\u01b0\u1ee3c.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, v\u1ec1 l\u00fd thuy\u1ebft, vi\u1ec7c quy \u0111\u1ecbnh c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 ch\u1ee7 th\u1ec3 tham gia giao d\u1ecbch t\u00e0i kho\u1ea3n v\u00e0 vay v\u1ed1n ng\u00e2n h\u00e0ng l\u00e0 kh\u00f4ng tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y m\u1edbi ch\u1ec9 \u0111\u00fang m\u1ed9t n\u1eeda, tuy ph\u00f9 h\u1ee3p v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 nh\u01b0ng l\u1ea1i tr\u00e1i ng\u01b0\u1ee3c, v\u00f4 hi\u1ec7u h\u00f3a nhi\u1ec1u lu\u1eadt kh\u00e1c.<\/em><\/p>\n

C\u1ee5 th\u1ec3, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt kh\u00f4ng ch\u1ec9 c\u00f3 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3 v\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1. C\u00f3 nhi\u1ec1u ch\u1ee7 th\u1ec3 (th\u1ef1c th\u1ec3 ph\u00e1p l\u00fd) kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e1p nh\u00e2n, nh\u01b0ng c\u0169ng kh\u00f4ng \u0111\u01a1n thu\u1ea7n l\u00e0 m\u1ed9t c\u00e1 nh\u00e2n, m\u00e0 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c, g\u1ed3m t\u1eadp h\u1ee3p m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n. Ch\u1eb3ng h\u1ea1n t\u1ed5 h\u1ee3p t\u00e1c (Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 1997, Lu\u1eadt K\u1ebf to\u00e1n n\u0103m 2015); nh\u00f3m tr\u1ebb, l\u1edbp m\u1eabu gi\u00e1o (Lu\u1eadt Gi\u00e1o d\u1ee5c n\u0103m 2005); v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 (Lu\u1eadt Lu\u1eadt s\u01b0); h\u1ed9 gia \u0111\u00ecnh (Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2013); doanh nghi\u1ec7p t\u01b0 nh\u00e2n (Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2014); h\u1ed9 kinh doanh (Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2014)…<\/em><\/p>\n

Ngo\u00e0i ra, theo v\u1ecb lu\u1eadt s\u01b0, c\u00f9ng \u0111\u01b0\u1ee3c coi b\u1ea3n ch\u1ea5t l\u00e0 c\u00e1 nh\u00e2n, nh\u01b0ng r\u1ea5t nhi\u1ec1u quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ch\u1ec9 cho ph\u00e9p doanh nghi\u1ec7p t\u01b0 nh\u00e2n, ch\u1ee9 c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 kinh doanh. Hay quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt Thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p l\u1ea1i quy \u0111\u1ecbnh c\u00e1c kho\u1ea3n chi t\u1eeb 20 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean ph\u1ea3i giao d\u1ecbch th\u00f4ng qua ng\u00e2n h\u00e0ng. V\u00ec v\u1eady, n\u1ebfu ng\u00e2n h\u00e0ng kh\u00f4ng cho doanh nghi\u1ec7p t\u01b0 nh\u00e2n giao d\u1ecbch t\u00e0i kho\u1ea3n th\u00ec g\u1ea7n nh\u01b0 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ph\u1ea3i xo\u00e1 b\u1ecf c\u00e1c doanh nghi\u1ec7p t\u01b0 nh\u00e2n v\u00e0 nhi\u1ec1u th\u1ef1c th\u1ec3 ph\u00e1p l\u00fd kh\u00e1c.<\/em><\/p>\n

V\u00ec v\u1eady, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, khi giao d\u1ecbch v\u1edbi ph\u00e1p nh\u00e2n th\u00ec \u0111\u00e3 ch\u1ea5p nh\u1eadn nhi\u1ec1u t\u00ean g\u1ecdi r\u1ea5t kh\u00e1c nhau, \u00a0khi giao d\u1ecbch v\u1edbi c\u00e1 nh\u00e2n c\u0169ng c\u1ea7n ch\u1ea5p nh\u1eadn t\u01b0\u01a1ng t\u1ef1. \u201cCh\u01b0a k\u1ec3 ngay ch\u00ednh \u0110i\u1ec1u 344 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u1eabn b\u1eaft bu\u1ed9c ng\u00e2n h\u00e0ng ph\u1ea3i cho vay t\u00edn ch\u1ea5p \u0111\u1ed1i v\u1edbi h\u1ed9 gia \u0111\u00ecnh ngh\u00e8o, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n th\u00e0nh vi\u00ean c\u1ee7a h\u1ed9 gia \u0111\u00ecnh\u201d – lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Theo c\u00e1c chuy\u00ean gia, c\u1ea7n ph\u1ea3i gi\u1eef nguy\u00ean t\u00ean g\u1ecdi c\u00e1c th\u1ef1c th\u1ec3 ph\u00e1p l\u00fd theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt trong giao d\u1ecbch, nh\u01b0ng x\u1eed l\u00fd b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd v\u1edbi ch\u00fang nh\u01b0 v\u1edbi c\u00e1 nh\u00e2n, ch\u1ee9 kh\u00f4ng ph\u1ea3i nh\u01b0 \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 c\u00e1c ch\u1ee7 th\u1ec3 d\u00e2n s\u1ef1 nh\u01b0 tr\u01b0\u1edbc kia.<\/p>\n

Linh Nh\u1eadt<\/strong><\/p>\n

———–<\/p>\n

An ninh Th\u1ee7 \u0111\u00f4 (Kinh doanh) 07-6-2017:<\/em><\/strong><\/p>\n

http:\/\/anninhthudo.vn\/kinh-doanh\/bong-dung-phai-chuyen-doi-tai-khoan-ngan-hang\/730533.antd<\/a><\/em><\/p>\n

(398\/1.090)<\/em>","protected":false},"excerpt":{"rendered":"

(ANT\u0110) – Vi\u1ec7c t\u00e0i kho\u1ea3n c\u1ee7a c\u00e1c h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, doanh nghi\u1ec7p t\u01b0 nh\u00e2n, v\u0103n ph\u00f2ng lu\u1eadt s\u01b0\u2026 ph\u1ea3i chuy\u1ec3n sang c\u00e1 nh\u00e2n ho\u1eb7c b\u1ecb x\u00f3a b\u1ecf s\u1ebd g\u00e2y x\u00e1o tr\u1ed9n kh\u00f4ng nh\u1ecf. Th\u00f4ng t\u01b0 s\u1ed1 32\/2016\/TT-NHNN v\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 23\/2014\/TT-NHNN c\u1ee7a Ng\u00e2n […]<\/p>\n","protected":false},"author":3,"featured_media":27175,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.353. 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