{"id":30148,"date":"2016-12-14T10:12:05","date_gmt":"2016-12-14T03:12:05","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30148"},"modified":"2022-06-27T10:14:57","modified_gmt":"2022-06-27T03:14:57","slug":"1-156-can-dao-luat-de-xu-ly-tai-san-bao-dam-khoi-thong-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-156-can-dao-luat-de-xu-ly-tai-san-bao-dam-khoi-thong-tin-dung\/","title":{"rendered":"1.156. C\u1ea7n \u0111\u1ea1o lu\u1eadt \u0111\u1ec3 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, kh\u01a1i th\u00f4ng t\u00edn d\u1ee5ng"},"content":{"rendered":"(CAND) – <\/strong>N\u1ebfu quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c th\u1ef1c thi c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 hi\u1ec7u qu\u1ea3 th\u00ec kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi cho vay m\u00e0 c\u00f2n b\u1ea3o v\u1ec7 c\u1ea3 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi \u0111i vay v\u00e0 cao h\u01a1n n\u1eefa l\u00e0 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a c\u1ea3 n\u1ec1n kinh t\u1ebf.<\/strong><\/p>\n

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B\u00e1o CAND \u0111\u1ec1 c\u1eadp v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (TSB\u0110). Ch\u00fang t\u00f4i ti\u1ebfp t\u1ee5c th\u00f4ng tin nh\u1eb1m l\u00e0m r\u00f5 nh\u1eefng v\u01b0\u1edbng m\u1eafc \u0111\u1ec3 c\u01a1 quan ch\u1ee9c n\u0103ng nghi\u00ean c\u1ee9u, xem x\u00e9t. Gi\u1ea3i quy\u1ebft n\u00fat th\u1eaft x\u1eed l\u00fd TSB\u0110 l\u00e0 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c ph\u1ea7n l\u1edbn n\u1ee3 x\u1ea5u c\u1ee7a n\u1ec1n kinh t\u1ebf, v\u00ec 90% kho\u1ea3n n\u1ee3 x\u1ea5u c\u00f3 TSB\u0110. N\u1ebfu quy\u1ec1n x\u1eed l\u00fd TSB\u0110 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u01b0\u1ee3c th\u1ef1c thi c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 hi\u1ec7u qu\u1ea3 th\u00ec kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi cho vay m\u00e0 c\u00f2n b\u1ea3o v\u1ec7 c\u1ea3 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi \u0111i vay v\u00e0 cao h\u01a1n n\u1eefa l\u00e0 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a c\u1ea3 n\u1ec1n kinh t\u1ebf.<\/p>\n

X\u1eed l\u00fd TSB\u0110: V\u00ec l\u1ee3i \u00edch c\u1ee7a c\u1ea3 n\u1ec1n kinh t\u1ebf<\/strong><\/p>\n

Ti\u1ebfn s\u0129 V\u0169 \u0110\u00ecnh \u00c1nh \u0111\u00e3 ph\u00e2n t\u00edch v\u1ec1 quy\u1ec1n x\u1eed l\u00fd TSB\u0110 c\u1ee7a TCTD d\u01b0\u1edbi g\u00f3c nh\u00ecn kinh t\u1ebf.<\/p>\n

Theo \u0111\u00f3, b\u1ea3n ch\u1ea5t kinh t\u1ebf c\u1ee7a quy\u1ec1n x\u1eed l\u00fd TSB\u0110 t\u1ea1i TCTD l\u00e0 quy\u1ec1n \u0111\u1ed1i v\u1edbi TSB\u0110 nh\u1eb1m b\u00f9 \u0111\u1eafp thi\u1ec7t h\u1ea1i do n\u1ee3 x\u1ea5u g\u00e2y ra. T\u00e2m l\u00fd ph\u1ed5 bi\u1ebfn trong x\u00e3 h\u1ed9i c\u0169ng nh\u01b0 ngay c\u1ea3 trong c\u01a1 quan ch\u1ee9c n\u0103ng l\u00e0 quy\u1ec1n x\u1eed l\u00fd TSB\u0110 l\u00e0 quy\u1ec1n \u0111\u1eb7c h\u1eefu c\u1ee7a TCTD, th\u1eadm ch\u00ed l\u00e0 ph\u1ee5c v\u1ee5 l\u1ee3i \u00edch nh\u00f3m c\u1ee7a gi\u1edbi t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, b\u1ea5t ch\u1ea5p quy\u1ec1n v\u00e0 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi \u0111i vay.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, nh\u1eefng quy \u0111\u1ecbnh ph\u00e1p l\u00fd mang t\u00ednh \u0111\u1eb7c th\u00f9 v\u1ec1 quy\u1ec1n v\u00e0 chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ed1i v\u1edbi \u0111\u1ea5t \u0111ai n\u00f3i ri\u00eang, b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u00f3i chung c\u0169ng nh\u01b0 h\u1ec7 th\u1ed1ng quy \u0111\u1ecbnh ph\u00e1p l\u00fd li\u00ean quan \u0111\u1ebfn ngh\u0129a v\u1ee5 h\u1ee3p \u0111\u1ed3ng, x\u1eed l\u00fd vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng c\u00f2n h\u1ea1n ch\u1ebf, ch\u01b0a ch\u1eb7t ch\u1ebd, thi\u1ebfu s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 li\u00ean quan trong th\u1ef1c thi quy\u1ec1n x\u1eed l\u00fd TSB\u0110 h\u1ee3p ph\u00e1p c\u1ee7a TCTD khi\u1ebfn vi\u1ec7c x\u1eed l\u00fd TSB\u0110 c\u1ee7a TCTD g\u1eb7p kh\u00f4ng \u00edt kh\u00f3 kh\u0103n.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
X\u1eed l\u00fd TSB\u0110 gi\u00fap kh\u01a1i th\u00f4ng \u201cc\u1ee5c m\u00e1u \u0111\u00f4ng\u201d cho n\u1ec1n kinh t\u1ebf.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a TS \u00c1nh, x\u1eed l\u00fd \u0111\u01b0\u1ee3c TSB\u0110 gi\u00fap TCTD x\u1eed l\u00fd \u0111\u01b0\u1ee3c n\u1ee3 x\u1ea5u, gi\u1ea3m t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u v\u1ec1 m\u1ee9c an to\u00e0n theo chu\u1ea9n qu\u1ed1c t\u1ebf v\u00e0 quy \u0111\u1ecbnh c\u1ee7a NHNN. Quan h\u1ec7 t\u00edn d\u1ee5ng v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 n\u1ee3 x\u1ea5u c\u00f3 c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ph\u1ee5c h\u1ed3i v\u00e0 c\u1ea3i thi\u1ec7n sau khi TSB\u0110 \u0111\u01b0\u1ee3c x\u1eed l\u00fd t\u1ed1t, kh\u00f4ng nh\u1eefng b\u00f9 \u0111\u1eafp to\u00e0n b\u1ed9 thi\u1ec7t h\u1ea1i g\u00e2y ra t\u1eeb n\u1ee3 x\u1ea5u cho TCTD, m\u00e0 c\u00f2n c\u00f3 th\u1ec3 c\u00f3 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh b\u1ed5 sung cho ng\u01b0\u1eddi \u0111i vay gi\u00fap h\u1ecd v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n, ph\u1ee5c h\u1ed3i s\u1ea3n xu\u1ea5t kinh doanh v\u00e0 m\u1ed9t l\u1ea7n n\u1eefa tr\u1edf th\u00e0nh kh\u00e1ch h\u00e0ng t\u1ed1t c\u1ee7a c\u00e1c TCTD.<\/p>\n

\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111i vay, TSB\u0110 \u0111\u01b0\u1ee3c x\u1eed l\u00fd t\u1ed1t kh\u00f4ng nh\u1eefng gi\u00fap cho ng\u01b0\u1eddi \u0111i vay c\u1ea3i thi\u1ec7n \u0111\u01b0\u1ee3c v\u1ecb th\u1ebf tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, d\u1ee9t \u0111i\u1ec3m c\u1edfi b\u1ecf g\u00e1nh n\u1eb7ng n\u1ee3 x\u1ea5u \u0111eo \u0111\u1eb3ng, s\u1edbm c\u00f3 c\u01a1 h\u1ed9i ph\u1ee5c h\u1ed3i ho\u1eb7c t\u1ea1o ra c\u01a1 h\u1ed9i kinh doanh m\u1edbi v\u00e0 c\u00f2n c\u00f3 th\u1ec3 thu h\u1ed3i \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n gi\u00e1 tr\u1ecb TSB\u0110 sau khi \u0111\u00e3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd t\u1ed1t.<\/p>\n

\u0110\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf, vi\u1ec7c c\u00e1c TCTD x\u1eed l\u00fd th\u00e0nh c\u00f4ng TSB\u0110 \u0111\u1ec3 gi\u1ea3i quy\u1ebft n\u1ee3 x\u1ea5u kh\u00f4ng ch\u1ec9 gi\u00fap x\u1eed l\u00fd ngay v\u00e0 d\u1ee9t \u0111i\u1ec3m h\u00e0ng lo\u1ea1t kho\u1ea3n n\u1ee3 x\u1ea5u, kh\u01a1i th\u00f4ng th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, m\u00e0 c\u00f2n ho\u1ea1t h\u00f3a \u0111\u01b0\u1ee3c kh\u1ed1i t\u00e0i s\u1ea3n kh\u1ed5ng l\u1ed3 tr\u1ecb gi\u00e1 h\u00e0ng tr\u0103m ng\u00e0n t\u1ef7 \u0111\u1ed3ng \u0111ang n\u1eb1m b\u1ea5t \u0111\u1ed9ng trong c\u00e1c tranh ch\u1ea5p gi\u1eefa ng\u01b0\u1eddi cho vay v\u1edbi ng\u01b0\u1eddi \u0111i vay, t\u0103ng th\u00eam ngu\u1ed3n cung cho th\u1ecb tr\u01b0\u1eddng B\u0110S, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 c\u1ea3 th\u1ecb tr\u01b0\u1eddng h\u00e0ng h\u00f3a t\u1eeb vi\u1ec7c x\u1eed l\u00fd TSB\u0110, qua \u0111\u00f3 mang l\u1ea1i l\u1ee3i \u00edch kh\u00f4ng nh\u1ecf cho n\u1ec1n kinh t\u1ebf.<\/p>\n

\u0110\u1ed3ng th\u1eddi, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c x\u1eed l\u00fd th\u00f4ng qua x\u1eed l\u00fd TSB\u0110 c\u00e0ng cao th\u00ec c\u00e0ng gi\u1ea3m nhu c\u1ea7u \u0111\u1ed1i v\u1edbi c\u00e1c ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh kh\u00e1c d\u00e0nh \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u, k\u1ec3 c\u1ea3 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc c\u0169ng nh\u01b0 c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc.<\/p>\n

Nh\u00ecn theo g\u00f3c \u0111\u1ed9 ph\u00e1p lu\u1eadt, lu\u1eadt s\u01b0 Nguy\u1ec5n Th\u1ecb Ph\u01b0\u01a1ng – Ph\u00f3 Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng \u2013 Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng \u0111\u00e3 n\u00eau l\u00ean r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd TSB\u0110 c\u1ee7a TCTD, trong \u0111\u00f3 ch\u1ee7 y\u1ebfu chia l\u00e0m 2 nh\u00f3m v\u01b0\u1edbng m\u1eafc. Th\u1ee9 nh\u1ea5t, v\u01b0\u1edbng m\u1eafc v\u1ec1 ph\u00e1p l\u00fd v\u00e0 c\u01a1 ch\u1ebf b\u1ea3o \u0111\u1ea3m th\u1ef1c thi quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD khi TCTD t\u1ef1 x\u1eed l\u00fd.<\/p>\n

Th\u1ee9 2, v\u01b0\u1edbng m\u1eafc li\u00ean quan \u0111\u1ebfn vi\u1ec7c x\u1eed l\u00fd TSB\u0110 th\u00f4ng qua con \u0111\u01b0\u1eddng t\u1ed1 t\u1ee5ng: Quy tr\u00ecnh t\u1ed1 t\u1ee5ng k\u00e9o d\u00e0i, T\u00f2a \u00e1n t\u1eeb ch\u1ed1i th\u1ee5 l\u00fd v\u1ee5 \u00e1n do b\u00ean b\u1ea3o \u0111\u1ea3m v\u1eafng m\u1eb7t kh\u1ecfi n\u01a1i c\u01b0 tr\u00fa, c\u1ed1 t\u00ecnh b\u1ecf tr\u1ed1n, c\u1ed1 t\u00ecnh gi\u1ea5u \u0111\u1ecba ch\u1ec9\u2026<\/p>\n

T\u1eeb nh\u1eefng v\u01b0\u1edbng m\u1eafc n\u00eau tr\u00ean, lu\u1eadt s\u01b0 Ph\u01b0\u01a1ng ki\u1ebfn ngh\u1ecb Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ph\u1ea3i ti\u1ebfp c\u1eadn v\u00e0 x\u1eed l\u00fd m\u1ed9t c\u00e1ch t\u1ed1i \u0111a c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 x\u1eed l\u00fd TSB\u0110 theo l\u00fd thuy\u1ebft v\u1ec1 v\u1eadt quy\u1ec1n b\u1ea3o \u0111\u1ea3m. Theo \u0111\u00f3, ng\u01b0\u1eddi c\u00f3 v\u1eadt quy\u1ec1n b\u1ea3o \u0111\u1ea3m c\u00f3 quy\u1ec1n tuy\u1ec7t \u0111\u1ed1i, tr\u1ef1c ti\u1ebfp v\u00e0 ngay t\u1ee9c kh\u1eafc \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m khi v\u1eadt quy\u1ec1n b\u1ea3o \u0111\u1ea3m \u0111\u00f3 \u0111\u01b0\u1ee3c c\u00f4ng khai h\u00f3a (\u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd) theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Nhi\u1ec1u gi\u1ea3i ph\u00e1p n\u00e2ng cao hi\u1ec7u qu\u1ea3 thi h\u00e0nh \u00e1n<\/strong><\/p>\n

C\u0169ng ch\u1ec9 ra nh\u1eefng v\u01b0\u1edbng m\u1eafc v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>\u00a0vi\u1ec7c x\u1eed l\u00fd TSB\u0110 v\u01b0\u1edbng m\u1eafc khi x\u1eed l\u00fd TSB\u0110 th\u00f4ng qua th\u01b0\u01a1ng l\u01b0\u1ee3ng, h\u00f2a gi\u1ea3i, c\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 h\u1ea1n ch\u1ebf c\u1ee7a tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i trong vi\u1ec7c tham gia gi\u1ea3i quy\u1ebft tranh ch\u1ea5p. Ngo\u00e0i ra, c\u00f2n h\u00e0ng lo\u1ea1t nh\u1eefng kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc trong vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng to\u00e0 \u00e1n; nh\u1eefng kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc trong vi\u1ec7c thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1\u2026<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh, n\u1ee3 x\u1ea5u l\u00e0 do c\u00e1c doanh nghi\u1ec7p thua l\u1ed7, ph\u00e1 s\u1ea3n, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, m\u00e0 h\u1ea7u h\u1ebft, ng\u00e2n h\u00e0ng l\u00e0 n\u1ea1n nh\u00e2n ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 th\u1ee7 ph\u1ea1m. N\u1ebfu \u0111\u1ec3 t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u k\u00e9o d\u00e0i ho\u1eb7c ch\u1ec9 x\u1eed l\u00fd v\u1ec1 h\u00ecnh th\u1ee9c, con s\u1ed1 tr\u00ean s\u1ed5 s\u00e1ch th\u00ec m\u00f4i tr\u01b0\u1eddng kinh doanh s\u1ebd c\u00f2n ti\u1ebfp t\u1ee5c kh\u00f3 kh\u0103n, b\u1ea5t \u1ed5n, l\u00e3i su\u1ea5t s\u1ebd v\u1eabn cao, hi\u1ec7u qu\u1ea3 s\u1ebd r\u1ea5t k\u00e9m, ti\u1ec1m \u1ea9n nguy c\u01a1 \u0111\u1ed5 v\u1ee1 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf.<\/em><\/p>\n

V\u00ec v\u1eady, \u00f4ng \u0110\u1ee9c ki\u1ebfn ngh\u1ecb: Th\u1ee9 nh\u1ea5t, c\u1ea7n c\u00f3 v\u0103n b\u1ea3n quy \u0111\u1ecbnh, h\u01b0\u1edbng d\u1eabn gi\u1ea3i quy\u1ebft c\u00e1c v\u01b0\u1edbng m\u1eafc v\u1ec1 c\u01a1 ch\u1ebf, th\u1ee7 t\u1ee5c, kh\u00f4ng ch\u1ec9 x\u00e9t x\u1eed v\u1eafng m\u1eb7t \u0111\u01b0\u01a1ng s\u1ef1 nh\u01b0 l\u00e2u nay, m\u00e0 ch\u1ea5p nh\u1eadn c\u1ea3 vi\u1ec7c ho\u00e0n to\u00e0n v\u1eafng m\u1eb7t \u0111\u01b0\u01a1ng s\u1ef1 trong c\u1ea3 qu\u00e1 tr\u00ecnh ti\u1ebfn h\u00e0nh t\u1ed1 t\u1ee5ng. Nh\u00e0 n\u01b0\u1edbc c\u1ea7n t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u b\u1eb1ng ch\u00ednh s\u00e1ch mi\u1ec5n gi\u1ea3m thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng, thu\u1ebf thu nh\u1eadp, ph\u00ed tr\u01b0\u1edbc b\u1ea1, ph\u00ed thi h\u00e0nh \u00e1n, chi ph\u00ed b\u1ed1 tr\u00ed n\u01a1i \u1edf cho ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. \u0110\u1ed3ng th\u1eddi c\u1ea7n c\u00f3 m\u1ed9t \u0111\u1ea1o lu\u1eadt hay m\u1ed9t s\u1ed1 \u0111i\u1ec1u lu\u1eadt \u0111\u1eb7c bi\u1ec7t, gi\u00fap x\u1eed l\u00fd TSB\u0110 v\u00e0 x\u1eed l\u00fd d\u1ee9t \u0111i\u1ec3m n\u1ee3 x\u1ea5u.<\/em><\/p>\n

Lu\u1eadt s\u01b0 L\u00ea H\u1ed3ng Hi\u1ec3n \u2013 G\u0110 C\u00f4ng ty Lu\u1eadt Nay v\u00e0 Mai \u0111\u1ec1 ngh\u1ecb B\u1ed9 T\u01b0 ph\u00e1p kh\u1ea9n tr\u01b0\u01a1ng ph\u1ed1i h\u1ee3p v\u1edbi NHNN, B\u1ed9 T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng, B\u1ed9 C\u00f4ng an, B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 TANDTC tr\u00ecnh Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd TSB\u0110. Trong \u0111\u00f3 ngo\u00e0i vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung, b\u00e3i b\u1ecf nh\u1eefng quy \u0111\u1ecbnh b\u1ea5t h\u1ee3p l\u00fd hi\u1ec7n nay v\u1ec1 x\u1eed l\u00fd TSB\u0110 th\u00ec Ngh\u1ecb \u0111\u1ecbnh n\u00e0y c\u1ea7n quy \u0111\u1ecbnh chi ti\u1ebft tr\u00ecnh t\u1ef1 th\u1ee7 t\u1ee5c x\u1eed l\u00fd TSB\u0110. TANDTC c\u1ea7n nghi\u00ean c\u1ee9u xem x\u00e9t ban h\u00e0nh Ngh\u1ecb quy\u1ebft h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 v\u1ec1 vi\u1ec7c th\u1ee5 l\u00fd x\u00e9t x\u1eed v\u1eafng m\u1eb7t b\u1ecb \u0111\u01a1n v\u00e0 ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i ngh\u0129a v\u1ee5 li\u00ean quan.<\/p>\n

Ngo\u00e0i ra, c\u1ea7n s\u1eeda \u0111\u1ed5i Lu\u1eadt thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 nh\u01b0 sau: S\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p ph\u1ea3i \u0111\u01b0\u1ee3c \u01b0u ti\u00ean thanh to\u00e1n cho ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m tr\u01b0\u1edbc khi tr\u1eeb c\u00e1c chi ph\u00ed v\u1ec1 thi h\u00e0nh \u00e1n; vi\u1ec7c k\u00ea bi\u00ean t\u00e0i s\u1ea3n \u0111ang c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n khi ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m \u0111\u1ebfn h\u1ea1n, kho\u1ea3n ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u00e1n TSB\u0110 ph\u1ea3i \u01b0u ti\u00ean thanh to\u00e1n ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m\u2026<\/p>\n

V\u00e0 cu\u1ed1i c\u00f9ng l\u00e0 ph\u1ea3i n\u00e2ng cao hi\u1ec7u qu\u1ea3 thi h\u00e0nh \u00e1n, trong \u0111\u00f3 c\u1ea7n t\u1eadp trung t\u1ed5 ch\u1ee9c thi h\u00e0nh c\u00e1c b\u1ea3n \u00e1n, quy\u1ebft \u0111\u1ecbnh \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt, c\u00f3 \u0111i\u1ec1u ki\u1ec7n thi h\u00e0nh c\u1ee7a c\u00e1c TCTD\u2026<\/p>\n\n\n\n
Quy\u1ec1n c\u1ee7a c\u00e1c TCTD \u0111ang b\u1ecb thu h\u1eb9p<\/strong><\/p>\n

\u0110\u00e2y l\u00e0 kh\u1eb3ng \u0111\u1ecbnh c\u1ee7a b\u00e0 Nguy\u1ec5n Th\u1ecb H\u1ed3ng H\u01b0\u01a1ng \u2013 Chuy\u00ean vi\u00ean V\u1ee5 Ph\u00e1p ch\u1ebf (NHNN) sau khi th\u1ed1ng k\u00ea s\u1ef1 thay \u0111\u1ed5i v\u1ec1 quy\u1ec1n x\u1eed l\u00fd TSB\u0110 c\u1ee7a TCTD \u0111\u00e3 c\u00f3 s\u1ef1 thay \u0111\u1ed5i l\u1edbn qua c\u00e1c th\u1eddi k\u1ef3. \u201cQuy\u1ec1n x\u1eed l\u00fd TSB\u0110 c\u1ee7a TCTD \u0111ang d\u1ea7n b\u1ecb thu h\u1eb9p; ph\u00e1p lu\u1eadt c\u1ee7a Vi\u1ec7t Nam v\u1ec1 quy\u1ec1n x\u1eed l\u00fd TSB\u0110 c\u00f2n \u201c\u01b0u \u00e1i\u201d con n\u1ee3, ch\u01b0a trao quy\u1ec1n n\u0103ng ph\u00f9 h\u1ee3p cho TCTD trong vi\u1ec7c x\u1eed l\u00fd TSB\u0110; quy\u1ec1n x\u1eed l\u00fd TSB\u0110 c\u1ee7a TCTD b\u1ecb c\u1ea3n tr\u1edf v\u00ec c\u00e1ch hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt ch\u01b0a \u0111\u00fang c\u1ee7a m\u1ed9t s\u1ed1 c\u01a1 quan, t\u1ed5 ch\u1ee9c li\u00ean quan.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

H\u00e0 An<\/p>\n

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

C\u00f4ng an Nh\u00e2n d\u00e2n (Th\u1ecb tr\u01b0\u1eddng) 14-12-2016:<\/em><\/strong><\/p>\n

http:\/\/cand.com.vn\/tai-chinh-ngan-hang\/Can-dao-luat-de-xu-ly-tai-san-bao-dam-khoi-thong-tin-dung-421029\/<\/a><\/em><\/p>\n

(301\/1.658)<\/em>","protected":false},"excerpt":{"rendered":"

(CAND) – N\u1ebfu quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c th\u1ef1c thi c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 hi\u1ec7u qu\u1ea3 th\u00ec kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi cho vay m\u00e0 c\u00f2n b\u1ea3o v\u1ec7 c\u1ea3 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi \u0111i vay v\u00e0 cao h\u01a1n n\u1eefa l\u00e0 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch […]<\/p>\n","protected":false},"author":3,"featured_media":30152,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30148","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.156. 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