{"id":29074,"date":"2015-10-24T08:50:21","date_gmt":"2015-10-24T01:50:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29074"},"modified":"2022-06-24T21:46:05","modified_gmt":"2022-06-24T14:46:05","slug":"802-tai-san-bao-dam-la-cuc-mau-dong-cua-no-xau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/802-tai-san-bao-dam-la-cuc-mau-dong-cua-no-xau\/","title":{"rendered":"802. T\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 \u201cc\u1ee5c m\u00e1u \u0111\u00f4ng\u201d c\u1ee7a n\u1ee3 x\u1ea5u"},"content":{"rendered":"(\u0110TCK) – Nh\u1eefng v\u01b0\u1edbng m\u1eafc trong x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (TSB\u0110) n\u1ebfu kh\u00f4ng s\u1edbm \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft d\u1ee9t \u0111i\u1ec3m, th\u00ec n\u1ee3 x\u1ea5u s\u1ebd kh\u00f3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd v\u00e0 c\u00f2n \u0111\u1ecdng l\u1ea1i trong n\u1ec1n kinh t\u1ebf nhi\u1ec1u n\u0103m n\u1eefa\u2026<\/strong><\/p>\n

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C\u1ea7n b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu tr\u1ecdn v\u1eb9n l\u00e0 \u0111\u1ed3ng ti\u1ec1n cho vay, thay v\u00ec b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu h\u1ea1n ch\u1ebf l\u00e0 \u0111\u1ed3ng ti\u1ec1n \u0111i vay<\/em><\/p>\n

C\u00e1c quy \u0111\u1ecbnh thi\u1ebfu \u0111\u1ed3ng b\u1ed9<\/em><\/strong><\/p>\n

Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia kinh t\u1ebf cho bi\u1ebft, \u1edf n\u01b0\u1edbc ngo\u00e0i, m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n th\u1ebf ch\u1ea5p tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n nh\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n quy\u1ec1n th\u1ebf ch\u1ea5p th\u00f4ng qua t\u00f2a \u00e1n, ho\u1eb7c kh\u00f4ng qua t\u00f2a \u00e1n. N\u1ebfu kh\u00f4ng qua t\u00f2a \u00e1n th\u00ec ph\u01b0\u01a1ng th\u1ee9c r\u1ea5t \u0111\u01a1n gi\u1ea3n.<\/p>\n

C\u1ee5 th\u1ec3, m\u1ed9t ng\u01b0\u1eddi kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, ng\u00e2n h\u00e0ng s\u1ebd g\u1eedi gi\u1ea5y th\u00f4ng b\u00e1o r\u1eb1ng, ng\u00e0y c\u1ee5 th\u1ec3 n\u00e0o \u0111\u00f3, ng\u00e2n h\u00e0ng s\u1ebd mang t\u00e0i s\u1ea3n ra \u0111\u1ea5u gi\u00e1.<\/p>\n

Ng\u00e2n h\u00e0ng b\u00e1n t\u00e0i s\u1ea3n \u0111\u00f3 cho m\u1ed9t ng\u01b0\u1eddi n\u00e0o \u0111\u00f3 mu\u1ed1n mua, ho\u1eb7c t\u1ef1 ng\u00e2n h\u00e0ng thu h\u1ed3i t\u00e0i s\u1ea3n \u0111\u1ec3 c\u1ea5n tr\u1eeb n\u1ee3 l\u00e0 xong v\u00e0 m\u00f3n n\u1ee3 x\u1ea5u \u0111\u00f3 \u0111\u01b0\u1ee3c \u0111em ra ngo\u1ea1i b\u1ea3ng theo d\u00f5i. N\u1ee3 x\u1ea5u t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00f3 ch\u1ea5m d\u1ee9t, kh\u00f4ng c\u00f2n tr\u00ean s\u1ed5 s\u00e1ch ch\u00ednh th\u1ee9c c\u1ee7a ng\u00e2n h\u00e0ng. Trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng th\u1ea5y TSB\u0110 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 tr\u1ea3 v\u00e0 ng\u00e2n h\u00e0ng ngh\u0129 r\u1eb1ng, kh\u00e1ch h\u00e0ng c\u00f2n c\u00f3 nh\u1eefng t\u00e0i s\u1ea3n kh\u00e1c th\u00ec ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0a kh\u00e1ch h\u00e0ng ra t\u00f2a \u00e1n, ngh\u0129a l\u00e0 s\u1eed d\u1ee5ng k\u00eanh t\u1ed1 t\u1ee5ng, theo tr\u00ecnh t\u1ef1 c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 thu h\u1ed3i t\u00e0i s\u1ea3n.<\/p>\n

\u201cPh\u00e1p lu\u1eadt b\u1ea3o v\u1ec7 quy\u1ec1n s\u1ed1ng c\u1ee7a con ng\u01b0\u1eddi, \u0111\u01b0\u1ee3c ph\u00e9p gi\u1eef l\u1ea1i m\u1ee9c t\u00e0i s\u1ea3n \u0111\u1ee7 \u0111\u1ec3 s\u1ed1ng, c\u00f2n c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c ph\u1ea3i thu h\u1ed3i \u0111\u1ec3 tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng\u201d, TS. Hi\u1ebfu n\u00f3i.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, \u0110i\u1ec1u 351 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u00f3 \u0111\u1ec1 c\u1eadp v\u1ec1 v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd TSB\u0110 c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD), theo \u0111\u00f3, cho ph\u00e9p TCTD c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u b\u00ean th\u1ebf ch\u1ea5p ho\u1eb7c ng\u01b0\u1eddi th\u1ee9 ba gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p giao t\u00e0i s\u1ea3n \u0111\u00f3 cho m\u00ecnh \u0111\u1ec3 x\u1eed l\u00fd trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1ebfn h\u1ea1n th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 m\u00e0 b\u00ean c\u00f3 ngh\u0129a v\u1ee5 kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang ngh\u0129a v\u1ee5. C\u00f2n v\u1ea5n \u0111\u1ec1 thu gi\u1eef, x\u1eed l\u00fd TSB\u0110 nh\u01b0 th\u1ebf n\u00e0o \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP v\u1ec1 \u0111\u0103ng k\u00fd giao d\u1ecbch \u0111\u1ea3m b\u1ea3o.<\/p>\n

Tuy nhi\u00ean, Lu\u1eadt s\u01b0 V\u0169 Th\u1ecb Thanh Nga, Tr\u01b0\u1edfng ph\u00f2ng Ph\u00e1p ch\u1ebf, GPBank cho r\u1eb1ng, c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u00f2n thi\u1ebfu \u0111\u1ed3ng b\u1ed9, ch\u01b0a t\u1ea1o c\u01a1 ch\u1ebf cho ch\u1ee7 n\u1ee3 (b\u00ean cho vay) c\u00f3 b\u1ea3o \u0111\u1ea3m th\u1ef1c thi t\u1ed1t nh\u1ea5t quy\u1ec1n c\u1ee7a m\u00ecnh.<\/p>\n

Th\u1ef1c ti\u1ec5n cho th\u1ea5y, trong tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o \u0111\u1ea3m kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m, th\u00ec b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m c\u00f3 quy\u1ec1n x\u1eed l\u00fd TSB\u0110 trong th\u1eddi gian nhanh nh\u1ea5t, \u00edt t\u1ed1n k\u00e9m nh\u1ea5t, nh\u01b0ng vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd TSB\u0110 ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o t\u00ednh t\u1ef1 nguy\u1ec7n c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m (ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n). S\u1ef1 ph\u1ee5 thu\u1ed9c \u0111\u00f3 th\u1ec3 hi\u1ec7n \u1edf vi\u1ec7c x\u00e1c \u0111\u1ecbnh ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd TSB\u0110, gi\u00e1 b\u00e1n TSB\u0110, th\u1ee7 t\u1ee5c chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu cho ng\u01b0\u1eddi mua, ng\u01b0\u1eddi tr\u00fang \u0111\u1ea5u gi\u00e1 TSB\u0110…<\/p>\n

Theo Lu\u1eadt s\u01b0 Thanh Nga, h\u1ec7 qu\u1ea3 l\u00e0 vi\u1ec7c x\u1eed l\u00fd TSB\u0110 g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n v\u00e0 kh\u00f3 c\u00f3 kh\u1ea3 n\u0103ng hi\u1ec7n th\u1ef1c h\u00f3a c\u00e1c th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m. M\u1eb7t kh\u00e1c, nhi\u1ec1u v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh trong th\u1ef1c ti\u1ec5n v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft tri\u1ec7t \u0111\u1ec3. Do v\u1eady, \u0111\u1ec3 c\u00f3 th\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c TSB\u0110 v\u00e0 thu h\u1ed3i n\u1ee3, th\u00ec b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng ph\u1ea3i l\u1ef1a ch\u1ecdn con \u0111\u01b0\u1eddng t\u1ed1 t\u1ee5ng (kh\u1edfi ki\u1ec7n t\u1ea1i t\u00f2a \u00e1n).<\/p>\n

K\u1ebft qu\u1ea3 t\u1ed5ng k\u1ebft th\u1ef1c ti\u1ec5n cho th\u1ea5y, vi\u1ec7c x\u1eed l\u00fd TSB\u0110 theo con \u0111\u01b0\u1eddng t\u1ed1 t\u1ee5ng m\u1ea5t nhi\u1ec1u th\u1eddi gian, th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p, qua nhi\u1ec1u c\u1ea5p x\u00e9t x\u1eed v\u1edbi nhi\u1ec1u quy tr\u00ecnh t\u1ed1 t\u1ee5ng… \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng kh\u00f4ng nh\u1ecf \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh, \u0111\u1ea7u t\u01b0 c\u1ee7a b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m. Trong nhi\u1ec1u v\u1ee5 vi\u1ec7c, tuy b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m th\u1eafng ki\u1ec7n, nh\u01b0ng v\u1eabn kh\u00f4ng \u0111\u1ea3m b\u1ea3o ch\u1eafc ch\u1eafn c\u00f3 th\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c TSB\u0110 tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

Li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 Thi\u1ec7u \u00c1nh D\u01b0\u01a1ng cho hay, c\u00f3 s\u1ef1 m\u00e2u thu\u1eabn trong vi\u1ec7c v\u1eadn d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. Hi\u1ec7n \u0111ang c\u00f3 qu\u00e1 nhi\u1ec1u c\u00e1c quy \u0111\u1ecbnh li\u00ean quan t\u1edbi vi\u1ec7c x\u1eed l\u00fd TSB\u0110 \u0111\u1ec3 thu h\u1ed3i n\u1ee3 vay c\u1ee7a ng\u00e2n h\u00e0ng, d\u1eabn \u0111\u1ebfn vi\u1ec7c hi\u1ec3u v\u00e0 v\u1eadn d\u1ee5ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n lu\u1eadt trong t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 ch\u01b0a c\u00f3 s\u1ef1 \u0111\u1ed3ng nh\u1ea5t.<\/p>\n

Th\u1eadm ch\u00ed, c\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u00e0 lu\u1eadt hay c\u00e1c v\u0103n b\u1ea3n ph\u00e1p quy kh\u00f4ng quy \u0111\u1ecbnh, nh\u01b0ng trong m\u1ed9t s\u1ed1 s\u1ef1 v\u1ee5 c\u1ee5 th\u1ec3, c\u00e1c c\u01a1 quan th\u1ef1c thi ph\u00e1p lu\u1eadt v\u1eabn y\u00eau c\u1ea7u TCTD ph\u1ea3i l\u00e0m. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0 ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u1ee9ng h\u1eb3n v\u1ec1 b\u00ean b\u1ecb x\u1eed l\u00fd t\u00e0i s\u1ea3n v\u00e0 \u201c\u00e9p ng\u01b0\u1ee3c l\u1ea1i\u201d TCTD.<\/p>\n

C\u1ea7n \u01b0u ti\u00ean b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ch\u1ee7 n\u1ee3<\/em><\/strong><\/p>\n

\u00d4ng H\u1ed3 Quang Huy, Ph\u00f3 c\u1ee5c tr\u01b0\u1edfng C\u1ee5c Qu\u1ea3n l\u00fd x\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u00e0 theo d\u00f5i thi h\u00e0nh ph\u00e1p lu\u1eadt, B\u1ed9 T\u01b0 ph\u00e1p \u0111\u00e1nh gi\u00e1, th\u1ef1c ti\u1ec5n x\u1eed l\u00fd TSB\u0110 th\u1eddi gian qua cho th\u1ea5y, n\u1ebfu duy tr\u00ec c\u01a1 ch\u1ebf x\u1eed l\u00fd nh\u01b0 hi\u1ec7n nay th\u00ec th\u1eddi gian x\u1eed l\u00fd TSB\u0110 th\u01b0\u1eddng k\u00e9o d\u00e0i, c\u00e1c th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nghi\u00eam t\u00fac do ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 thi\u1ec7n ch\u00ed c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n. \u0110i\u1ec1u n\u00e0y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee5c ti\u00eau th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u, x\u1eed l\u00fd TSB\u0110 v\u00e0 l\u00e0m t\u0103ng \u00e1p l\u1ef1c \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng t\u00f2a \u00e1n, c\u0169ng nh\u01b0 t\u0103ng chi ph\u00ed x\u00e3 h\u1ed9i do ph\u1ea3i th\u1ee5 l\u00fd nhi\u1ec1u tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn TSB\u0110.<\/p>\n

\u00d4ng Quang Huy khuy\u1ebfn ngh\u1ecb, c\u1ea7n r\u00e0 so\u00e1t \u0111\u1ec3 b\u00e3i b\u1ecf nh\u1eefng quy \u0111\u1ecbnh kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n ho\u1eb7c h\u1ea1n ch\u1ebf c\u00e1c ch\u1ee7 th\u1ec3 thi\u1ebft l\u1eadp, th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, v\u00ed d\u1ee5: quy \u0111\u1ecbnh \u201cv\u1ec1 gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n so v\u1edbi t\u1ed5ng gi\u00e1 tr\u1ecb c\u00e1c ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m (kho\u1ea3n 1 \u0110i\u1ec1u 324 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1), hay quy \u0111\u1ecbnh giao Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p gi\u1eef trong tr\u01b0\u1eddng h\u1ee3p th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t (kho\u1ea3n 1 \u0110i\u1ec1u 717, kho\u1ea3n 5 \u0110i\u1ec1u 718 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1)…<\/p>\n

\u0110\u1ed3ng th\u1eddi, b\u00e3i b\u1ecf c\u00e1c quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u00f2n m\u1eabu thu\u1eabn, ch\u01b0a th\u1ed1ng nh\u1ea5t; nghi\u00ean c\u1ee9u b\u1ed5 sung m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh nh\u1eb1m \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u th\u1ef1c ti\u1ec5n, v\u00ed d\u1ee5: nh\u1eefng quy \u0111\u1ecbnh b\u1ea3o v\u1ec7 quy\u1ec1n ki\u1ec3m so\u00e1t t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p do b\u00ean th\u1ebf ch\u1ea5p ho\u1eb7c ng\u01b0\u1eddi th\u1ee9 ba \u0111\u1ea7u t\u01b0; quy \u0111\u1ecbnh v\u1ec1 x\u00e1c \u0111\u1ecbnh t\u01b0 c\u00e1ch th\u00e0nh vi\u00ean h\u1ed9 gia \u0111\u00ecnh; th\u1ed1ng nh\u1ea5t t\u00ean g\u1ecdi v\u00e0 n\u1ed9i dung c\u1ee7a vi\u1ec7c ng\u01b0\u1eddi s\u1eed d\u1ee5ng \u0111\u1ea5t d\u00f9ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c theo Lu\u1eadt \u0110\u1ea5t \u0111ai v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1; b\u1ed5 sung c\u01a1 ch\u1ebf c\u01a1 quan thi h\u00e0nh \u00e1n tham gia v\u00e0o qu\u00e1 tr\u00ecnh thu gi\u1eef TSB\u0110 trong giai \u0111o\u1ea1n ti\u1ec1n t\u1ed1 t\u1ee5ng…<\/p>\n

Vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh n\u00eau tr\u00ean s\u1ebd g\u00f3p ph\u1ea7n gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u00e1p l\u00fd v\u00e0 gi\u00fap th\u1ef1c thi quy\u1ec1n x\u1eed l\u00fd TSB\u0110 c\u1ee7a b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m.<\/p>\n

\u201cT\u1ea1o l\u1eadp h\u00e0nh lang ph\u00e1p l\u00fd th\u00fac \u0111\u1ea9y vi\u1ec7c b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c quy\u1ec1n ti\u1ebfp c\u1eadn TSB\u0110 \u0111\u1ec3 x\u1eed l\u00fd nhanh ch\u00f3ng. Theo \u0111\u00f3, b\u00ean c\u1ea1nh quy\u1ec1n kh\u1edfi ki\u1ec7n theo th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng r\u00fat g\u1ecdn, b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m c\u00f3 quy\u1ec1n t\u1ef1 m\u00ecnh thu h\u1ed3i TSB\u0110 d\u1ef1a tr\u00ean nguy\u00ean l\u00fd kh\u00f4ng vi ph\u1ea1m \u0111i\u1ec1u c\u1ea7m, tr\u00e1i \u0111\u1ea1o \u0111\u1ee9c x\u00e3 h\u1ed9i\u201d, \u00f4ng Huy n\u00f3i.<\/p>\n

Theo Lu\u1eadt s\u01b0 Thanh Nga, vi\u1ec7c ghi nh\u1eadn trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy\u1ec1n t\u1ef1 thu gi\u1eef TSB\u0110 c\u1ee7a b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m l\u00e0 m\u1ed9t trong nh\u1eefng c\u01a1 s\u1edf ph\u00e1p l\u00fd quan tr\u1ecdng \u0111\u1ec3 b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m th\u1ef1c thi quy\u1ec1n c\u1ee7a m\u00ecnh m\u1ed9t c\u00e1ch ch\u1ee7 \u0111\u1ed9ng v\u00e0 m\u1ea1nh m\u1ebd h\u01a1n. Tuy nhi\u00ean, d\u1ef1 th\u1ea3o nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n t\u1ef1 thu gi\u1eef c\u00f2n chung chung v\u00e0 theo h\u01b0\u1edbng m\u1edf, s\u1ebd g\u00e2y kh\u00f3 kh\u0103n cho c\u00e1c TCTD n\u1ebfu b\u00ean b\u1ea3o \u0111\u1ea3m s\u1eed d\u1ee5ng c\u00e1c chi\u00eau tr\u00f2 \u0111\u1ec3 t\u1ef1 \u0111\u01b0a m\u00ecnh v\u00e0o tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u1ea3m b\u1ea3o \u0111i\u1ec1u ki\u1ec7n t\u1ef1 thu gi\u1eef n\u00e0y.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC nh\u1ea5n m\u1ea1nh: \u201cC\u1ea7n \u01b0u ti\u00ean b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ch\u1ee7 n\u1ee3, thay v\u00ec con n\u1ee3, t\u1ee9c b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu tr\u1ecdn v\u1eb9n l\u00e0 \u0111\u1ed3ng ti\u1ec1n cho vay, thay v\u00ec b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu h\u1ea1n ch\u1ebf l\u00e0 \u0111\u1ed3ng ti\u1ec1n \u0111i vay, hay t\u00e0i s\u1ea3n \u0111\u00e3 \u0111\u01b0a v\u00e0o b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. \u0110i\u1ec1u n\u00e0y c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c c\u1ee5 th\u1ec3 ho\u00e1 trong c\u00e1c \u0111\u1ea1o lu\u1eadt li\u00ean quan \u0111\u1ebfn quan h\u1ec7 vay n\u1ee3, th\u1ebf ch\u1ea5p v\u00e0 x\u1eed l\u00fd h\u1ec7 qu\u1ea3 ph\u00e1p l\u00fd\u201d.<\/em><\/p>\n

Nhu\u1ec7 M\u1eabn<\/strong><\/p>\n

———————————————————–<\/p>\n

\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n (Ti\u1ec1n t\u1ec7) 24-10-2015:<\/em><\/strong><\/p>\n

http:\/\/tinnhanhchungkhoan.vn\/tien-te\/tai-san-bao-dam-la-cuc-mau-dong-cua-no-xau-132908.html<\/em><\/a><\/p>\n

(99\/1.548)","protected":false},"excerpt":{"rendered":"

(\u0110TCK) – Nh\u1eefng v\u01b0\u1edbng m\u1eafc trong x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (TSB\u0110) n\u1ebfu kh\u00f4ng s\u1edbm \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft d\u1ee9t \u0111i\u1ec3m, th\u00ec n\u1ee3 x\u1ea5u s\u1ebd kh\u00f3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd v\u00e0 c\u00f2n \u0111\u1ecdng l\u1ea1i trong n\u1ec1n kinh t\u1ebf nhi\u1ec1u n\u0103m n\u1eefa\u2026 C\u1ea7n b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu tr\u1ecdn v\u1eb9n l\u00e0 \u0111\u1ed3ng ti\u1ec1n cho vay, thay v\u00ec […]<\/p>\n","protected":false},"author":1,"featured_media":29075,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n802. 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T\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 \u201cc\u1ee5c m\u00e1u \u0111\u00f4ng\u201d c\u1ee7a n\u1ee3 x\u1ea5u[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110TCK) – Nh\u1eefng v\u01b0\u1edbng m\u1eafc trong x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (TSB\u0110) n\u1ebfu kh\u00f4ng s\u1edbm \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft d\u1ee9t \u0111i\u1ec3m, th\u00ec n\u1ee3 x\u1ea5u s\u1ebd kh\u00f3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd v\u00e0 c\u00f2n \u0111\u1ecdng l\u1ea1i trong n\u1ec1n kinh t\u1ebf nhi\u1ec1u n\u0103m n\u1eefa\u2026 C\u1ea7n b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu tr\u1ecdn v\u1eb9n l\u00e0 \u0111\u1ed3ng ti\u1ec1n cho vay, thay v\u00ec […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/802-tai-san-bao-dam-la-cuc-mau-dong-cua-no-xau\/\" \/>\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=\"2015-10-24T01:50:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-24T14:46:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/2-3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"552\" \/>\n\t<meta property=\"og:image:height\" content=\"368\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\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=\"administrator\" \/>\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\\\/vi\\\/802-tai-san-bao-dam-la-cuc-mau-dong-cua-no-xau\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/802-tai-san-bao-dam-la-cuc-mau-dong-cua-no-xau\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"802. 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