{"id":29860,"date":"2015-10-02T16:13:57","date_gmt":"2015-10-02T09:13:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29860"},"modified":"2022-06-24T16:15:48","modified_gmt":"2022-06-24T09:15:48","slug":"792-ngan-hang-quay-cuong-voi-hang-nghin-quy-dinh-cho-vay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/792-ngan-hang-quay-cuong-voi-hang-nghin-quy-dinh-cho-vay\/","title":{"rendered":"792. Ng\u00e2n h\u00e0ng “quay cu\u1ed3ng” v\u1edbi h\u00e0ng ngh\u00ecn quy \u0111\u1ecbnh cho vay!"},"content":{"rendered":"(TC+) – Nguy\u00ean t\u1eafc c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 khuy\u1ebfn kh\u00edch c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, n\u1ebfu c\u1ea5p t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m l\u00e0 g\u00e2y y\u1ebfu k\u00e9m cho n\u1ec1n kinh t\u1ebf.<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
C\u1ea5p t\u00edn d\u1ee5ng sai c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t t\u00f9 7 n\u0103m.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110i\u1ec1u 210, d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1 (BLHS) s\u1eeda \u0111\u1ed5i v\u1ec1 t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh trong c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i quy \u0111\u1ecbnh: Ng\u01b0\u1eddi n\u00e0o c\u1ed1 \u00fd vi ph\u1ea1m m\u1ed9t trong c\u00e1c h\u00e0nh vi sau \u0111\u00e2y th\u00ec b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 50 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn 500 tri\u1ec7u \u0111\u1ed3ng, ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 1 \u2013 7 n\u0103m: c\u1ea5p t\u00edn d\u1ee5ng cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng, c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m ho\u1eb7c c\u1ea5p t\u00edn d\u1ee5ng v\u1edbi \u0111i\u1ec1u ki\u1ec7n \u01b0u \u0111\u00e3i cho nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh.<\/p>\n

Quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 v\u1ea5p ph\u1ea3i ph\u1ea3n \u1ee9ng t\u1eeb ph\u00eda c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 nh\u1eefng ng\u01b0\u1eddi g\u1eafn b\u00f3 v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng.<\/p>\n

Kh\u00f4ng n\u00ean h\u00ecnh s\u1ef1 h\u00f3a<\/strong><\/p>\n

T\u1ea1i H\u1ed9i th\u1ea3o g\u00f3p \u00fd B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 s\u1eeda \u0111\u1ed5i do Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng ph\u1ed1i h\u1ee3p c\u00f9ng CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng \u2013 cho r\u1eb1ng d\u1ef1 th\u1ea3o \u0111\u00e3 \u201cc\u00f3 v\u1ea5n \u0111\u1ec1\u201d ngay \u1edf c\u00e2u ch\u1eef.<\/em><\/p>\n

N\u1ebfu c\u1ea5p t\u00edn d\u1ee5ng cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng l\u00e0 vi ph\u1ea1m, nh\u01b0ng nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, nguy\u00ean t\u1eafc c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 khuy\u1ebfn kh\u00edch c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, n\u1ebfu c\u1ea5p t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m l\u00e0 g\u00e2y y\u1ebfu k\u00e9m cho n\u1ec1n kinh t\u1ebf.<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng quy \u0111\u1ecbnh n\u00e0y l\u00e0 kh\u00f4ng th\u1ef1c s\u1ef1 r\u00f5 r\u00e0ng v\u00e0 d\u1ec5 b\u1ecb h\u00ecnh s\u1ef1 h\u00f3a.<\/em><\/p>\n

\u201c\u0110\u1ed1i v\u1edbi c\u1ea5p t\u00edn d\u1ee5ng v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh, th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p b\u1ecb sai s\u00f3t, n\u00ean theo quy \u0111\u1ecbnh m\u1edbi c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, vi\u1ec7c cho vay b\u1ea3o l\u00e3nh kh\u00f4ng qu\u00e1 15%. Tuy nhi\u00ean, n\u1ebfu c\u00e1c chi nh\u00e1nh qu\u1ea3n l\u00fd h\u1ec7 th\u1ed1ng kh\u00f4ng c\u1ea9n th\u1eadn \u0111\u1ec3 giao d\u1ecbch hai n\u01a1i th\u00ec ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 b\u1ecb k\u1ebft t\u1ed9i. C\u00e1i n\u00e0y quy \u0111\u1ecbnh t\u01b0\u01a1ng \u0111\u1ed1i r\u00f5 n\u00ean n\u1ebfu ng\u00e2n h\u00e0ng qu\u1ea3n l\u00fd kh\u00f4ng t\u1ed1t c\u00f3 th\u1ec3 b\u1ecb vi ph\u1ea1m,\u201d<\/em>\u00a0<\/em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c g\u00f3p \u00fd.<\/em><\/p>\n

C\u0169ng theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, tr\u00ean th\u1ef1c t\u1ebf c\u00f3 tr\u00ean 90% nh\u1eefng v\u1ee5 \u00e1n c\u1ee7a ng\u00e2n h\u00e0ng b\u1ecb x\u1eed t\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay nh\u01b0ng th\u1ef1c ch\u1ea5t \u0111\u1ec1u l\u00e0 h\u00e0nh vi kh\u00e1c.<\/em><\/p>\n

\u0110i\u1ec3n h\u00ecnh nh\u01b0 v\u1ee5 Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t h\u01a1n 4.000 t\u1ef7 \u0111\u1ed3ng. M\u1eb7c d\u00f9 kh\u00f4ng t\u00ecm ra ch\u1ee9ng c\u1ee9 b\u1ea5t k\u1ef3 vi ph\u1ea1m n\u00e0o nh\u01b0ng t\u00f2a gi\u1ea3i th\u00edch Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a doanh nghi\u1ec7p (Vietinbank). Trong khi \u0111\u00f3, Lu\u1eadt ch\u1ec9 n\u00f3i \u0111\u1ebfn vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.[1]<\/strong><\/em><\/p>\n

\u201cLu\u1eadt quy \u0111\u1ecbnh t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i ban h\u00e0nh quy ch\u1ebf theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. \u0110\u00e2y l\u00e0 c\u1ee5 th\u1ec3 h\u00f3a c\u1ee7a ph\u00e1p lu\u1eadt, n\u00ean vi ph\u1ea1m quy ch\u1ebf coi nh\u01b0 vi ph\u1ea1m ph\u00e1p lu\u1eadt. V\u1eady th\u00ec kh\u00f4ng tr\u00e1nh \u0111\u01b0\u1ee3c nguy c\u01a1 h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng<\/em>,\u201d Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c lo ng\u1ea1i.<\/em><\/p>\n

Theo \u00f4ng Tr\u1ea7n V\u0103n \u0110\u1ea1t, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p lu\u1eadt chung (B\u1ed9 T\u01b0 ph\u00e1p), ph\u00e1p lu\u1eadt \u1edf \u0111\u00e2y hi\u1ec3u l\u00e0 c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, th\u1ea5p nh\u1ea5t l\u00e0 Th\u00f4ng t\u01b0 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng v\u00e0 th\u1ee7 tr\u01b0\u1edfng c\u01a1 quan ngang b\u1ed9, Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ee7 th\u01b0\u1edbng Ch\u00ednh ph\u1ee7, tr\u00ean n\u1eefa l\u00e0 Lu\u1eadt do Qu\u1ed1c h\u1ed9i ban h\u00e0nh. Do v\u1eady, kh\u00f4ng th\u1ec3 l\u1ea5y chuy\u1ec7n l\u00e0m sai quy ch\u1ebf n\u1ed9i b\u1ed9 ng\u00e2n h\u00e0ng ra \u0111\u1ec3 k\u1ebft t\u1ed9i.<\/p>\n

1 ng\u00e2n h\u00e0ng, h\u01a1n 3 ngh\u00ecn quy \u0111\u1ecbnh v\u1ec1 cho vay<\/strong><\/p>\n

Tr\u1edf l\u1ea1i quy \u0111\u1ecbnh v\u1ec1 h\u00e0nh vi \u201cc\u1ea5p t\u00edn d\u1ee5ng cho nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng\u201d t\u1ea1i \u0111i\u1ec3m a \u0110i\u1ec1u 210. B\u00e0 Ph\u00f9ng B\u00edch V\u00e2n, Tr\u01b0\u1edfng b\u1ed9 ph\u1eadn Ph\u00e1p ch\u1ebf, ng\u00e2n h\u00e0ng Qu\u1ed1c d\u00e2n (NCB), cho r\u1eb1ng\u00a0<\/strong>n\u00ean quy \u0111\u1ecbnh r\u00f5 theo Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD).<\/p>\n

\u0110\u1ed1i v\u1edbi \u0111i\u1ec3m b \u0110i\u1ec1u 210 quy \u0111\u1ecbnh \u201ckh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m v\u00e0 nh\u1eefng \u01b0u \u0111\u00e3i \u0111\u1ed1i v\u1edbi nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng c\u1ea5p t\u00edn d\u1ee5ng\u201d, b\u00e0 Ph\u00f9ng B\u00edch V\u00e2n cho r\u1eb1ng vi\u1ec7c d\u00f9ng t\u1eeb ch\u01b0a s\u00e1t v\u1edbi Lu\u1eadt c\u00e1c TCTD v\u00e0 n\u00ean chuy\u1ec3n th\u00e0nh \u201ch\u1ea1n ch\u1ebf c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng\u201d s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi \u0110i\u1ec1u 126, 127 c\u1ee7a Lu\u1eadt c\u00e1c TCTD h\u01a1n.<\/p>\n

Theo b\u00e0 Ph\u00f9ng B\u00edch V\u00e2n, hi\u1ec7n nay quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 b\u1ecb b\u00f3 bu\u1ed9c b\u1edfi Lu\u1eadt c\u00e1c TCTD, k\u1ec3 c\u1ea3 kh\u00f4ng b\u1ecb b\u00f3 bu\u1ed9c c\u0169ng kh\u00f4ng \u1ea3nh h\u01b0\u1edfng g\u00ec nhi\u1ec1u n\u00ean kh\u00f4ng c\u00f3 l\u00fd do g\u00ec \u0111\u1ec3 h\u00ecnh s\u1ef1 h\u00f3a vi\u1ec7c n\u00e0y.<\/p>\n

\u201cN\u1ebfu qu\u00e1 ch\u1eb7t ch\u1ebd s\u1ebd kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u kinh doanh. V\u00ec v\u1eady, ch\u1ec9 n\u00ean gi\u1edbi h\u1ea1n nh\u1eefng quy \u0111\u1ecbnh cho vay l\u00e0 c\u1ee7a NHNN, ch\u1ec9 khi l\u00e0m tr\u00e1i c\u00e1c quy \u0111\u1ecbnh c\u1ee7a NHNN m\u1edbi b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 vi ph\u1ea1m nh\u1eefng quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1,\u201d<\/em>\u00a0b\u00e0 Ph\u00f9ng B\u00edch V\u00e2n g\u00f3p \u00fd.<\/p>\n

C\u0169ng theo b\u00e0 V\u00e2n, th\u1ef1c t\u1ebf c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh cho vay kh\u00e1c nhau, th\u1eadm ch\u00ed m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u00f3 \u0111\u1ebfn 3 ngh\u00ecn quy \u0111\u1ecbnh v\u1ec1 cho vay.<\/p>\n

\u201cV\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh nh\u01b0 v\u1eady ch\u01b0a ch\u1eafc nh\u1eefng ng\u01b0\u1eddi ra v\u0103n b\u1ea3n \u0111\u00e3 n\u1eafm h\u1ebft \u0111\u01b0\u1ee3c ch\u1ee9 ch\u01b0a n\u00f3i \u0111\u1ebfn nh\u1eefng ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n, do v\u1eady c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng th\u01b0\u1eddng th\u1ef1c hi\u1ec7n theo kinh nghi\u1ec7m. \u0110\u00f4i khi kho\u1ea3ng c\u00e1ch gi\u1eefa v\u0103n b\u1ea3n v\u00e0 vi\u1ec7c \u00e1p d\u1ee5ng l\u1ea1i r\u1ea5t l\u1edbn<\/em>,\u201d b\u00e0 Ph\u00f9ng B\u00edch V\u00e2n n\u00f3i.<\/p>\n

B\u1ea3n th\u00e2n c\u00e1c ng\u00e2n h\u00e0ng tr\u01b0\u1edbc h\u1ebft \u0111\u00e3 ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a NHNN. N\u1ebfu kh\u00f4ng, NHNN \u0111\u00e3 c\u00f3 nh\u1eefng bi\u1ec7n ph\u00e1p x\u1eed l\u00fd kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh, kh\u00f4ng cho m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi\u2026, \u0111\u00f3 l\u00e0 nh\u1eefng bi\u1ec7n ph\u00e1p nh\u1eb1m v\u00e0o kinh t\u1ebf. M\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 m\u1ed9t quy tr\u00ecnh kh\u00e1c nhau, c\u00f3 ng\u00e2n h\u00e0ng n\u1edbi l\u1ecfng, c\u00f3 ng\u00e2n h\u00e0ng th\u1eaft ch\u1eb7t. Tuy nhi\u00ean, nh\u1eefng quy \u0111\u1ecbnh \u0111\u00f3 ch\u1ec9 mang t\u00ednh n\u1ed9i b\u1ed9.<\/p>\n

 <\/p>\n

Ng\u00e2n Giang<\/strong><\/p>\n

——————————————-<\/p>\n

T\u00e0i ch\u00ednh Plus (Ng\u00e2n h\u00e0ng) 02-10-2015:<\/em><\/strong><\/p>\n

http:\/\/taichinhplus.vn\/TIEN-TE\/Ngan-hang\/Ngan-hang-quay-cuong-voi-hang-nghin-quy-dinh-cho-vay-post155642.html<\/em><\/p>\n

(367\/1.063)<\/p>\n[1] D\u1eabn sai lung tung.","protected":false},"excerpt":{"rendered":"

(TC+) – Nguy\u00ean t\u1eafc c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 khuy\u1ebfn kh\u00edch c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, n\u1ebfu c\u1ea5p t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m l\u00e0 g\u00e2y y\u1ebfu k\u00e9m cho n\u1ec1n kinh t\u1ebf. C\u1ea5p t\u00edn d\u1ee5ng sai c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t t\u00f9 7 n\u0103m. \u0110i\u1ec1u 210, d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1 (BLHS) s\u1eeda \u0111\u1ed5i […]<\/p>\n","protected":false},"author":3,"featured_media":29861,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n792. Ng\u00e2n h\u00e0ng "quay cu\u1ed3ng" v\u1edbi h\u00e0ng ngh\u00ecn quy \u0111\u1ecbnh cho vay! - 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\/tieng-viet-792-ngan-hang-quay-cuong-voi-hang-nghin-quy-dinh-cho-vay\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]792. Ng\u00e2n h\u00e0ng "quay cu\u1ed3ng" v\u1edbi h\u00e0ng ngh\u00ecn quy \u0111\u1ecbnh cho vay![:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TC+) – Nguy\u00ean t\u1eafc c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 khuy\u1ebfn kh\u00edch c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, n\u1ebfu c\u1ea5p t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m l\u00e0 g\u00e2y y\u1ebfu k\u00e9m cho n\u1ec1n kinh t\u1ebf. 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