{"id":30340,"date":"2016-12-24T09:18:42","date_gmt":"2016-12-24T02:18:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30340"},"modified":"2022-06-28T09:22:24","modified_gmt":"2022-06-28T02:22:24","slug":"1-171-ap-dung-blds-2015-vao-linh-vuc-tai-chinh-ngan-hang-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-171-ap-dung-blds-2015-vao-linh-vuc-tai-chinh-ngan-hang-nhu-the-nao\/","title":{"rendered":"1.171. \u00c1p d\u1ee5ng BLDS 2015 v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"(DNSG) – <\/strong>B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i (BLDS 2015) \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00f4ng qua t\u1ea1i K\u1ef3 h\u1ecdp th\u1ee9 10, Qu\u1ed1c h\u1ed9i kh\u00f3a XIII ng\u00e0y 24\/11\/2015. M\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng c\u1ee7a BLDS 2015 l\u00e0 t\u1ea1o c\u01a1 ch\u1ebf ph\u00e1p l\u00fd \u0111\u1ea7y \u0111\u1ee7 cho vi\u1ec7c t\u00f4n tr\u1ecdng, b\u1ea3o v\u1ec7 v\u00e0 b\u1ea3o \u0111\u1ea3m quy\u1ec1n d\u00e2n s\u1ef1 c\u1ee7a c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n v\u00e0 c\u00e1c ch\u1ee7 th\u1ec3 kh\u00e1c c\u1ee7a quan h\u1ec7 ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1, \u0111\u1ea3m b\u1ea3o s\u1ef1 th\u1ed1ng nh\u1ea5t trong vi\u1ec7c \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1.<\/strong><\/p>\n

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\nTheo quy \u0111\u1ecbnh c\u1ee7a BLDS 2005, t\u1ea5t c\u1ea3 c\u00e1c quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a BLDS m\u00e0 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 x\u1eed l\u00fd m\u1ed1i quan h\u1ec7 gi\u1eefa BLDS v\u00e0 c\u00e1c lu\u1eadt chuy\u00ean ng\u00e0nh. Do \u0111\u00f3, trong th\u1ef1c t\u1ebf \u0111\u00e3 ph\u00e1t sinh v\u01b0\u1edbng m\u1eafc v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt khi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a BLDS 2005 kh\u00e1c v\u1edbi quy \u0111\u1ecbnh c\u1ee7a c\u00e1c lu\u1eadt chuy\u00ean ng\u00e0nh.<\/p>\n

Ng\u00e0y 23\/12\/2016, t\u1ea1i TP.HCM, B\u1ed9 T\u01b0 ph\u00e1p \u0111\u00e3 t\u1ed5 ch\u1ee9c H\u1ed9i th\u1ea3o v\u1ec1 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a BLDS 2015 \u0111\u1ed1i v\u1edbi th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh. Tham d\u1ef1 H\u1ed9i th\u1ea3o c\u00f3 \u0111\u1ea1i di\u1ec7n V\u1ee5 Ph\u00e1p lu\u1eadt V\u0103n ph\u00f2ng Qu\u1ed1c h\u1ed9i, V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, c\u00e1c v\u0103n ph\u00f2ng lu\u1eadt s\u01b0, t\u1ed5 ch\u1ee9c thi h\u00e0nh \u00e1n c\u00f9ng kho\u1ea3ng 200 \u0111\u1ea1i bi\u1ec3u \u0111\u1ebfn t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 doanh nghi\u1ec7p.<\/p>\n

T\u1ea1i h\u1ed9i th\u1ea3o, c\u00e1c \u0111\u1ea1i bi\u1ec3u \u0111\u00e3 th\u1ea3o lu\u1eadn m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1: L\u00e3i su\u1ea5t v\u00e0 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, nh\u1eefng t\u00e1c \u0111\u1ed9ng c\u1ee7a BLDS 2015 t\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, quy \u0111\u1ecbnh chung v\u1ec1 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 trong BLDS 2015, th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba, nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ea7n c\u1ee5 th\u1ec3 h\u00f3a \u0111\u1ec3 tri\u1ec3n khai quy \u0111\u1ecbnh c\u1ee7a BLDS 2015 v\u1ec1 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5…<\/p>\n

\u0110i\u1ec1u 4 BLDS 2015 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 nguy\u00ean t\u1eafc \u00e1p d\u1ee5ng Lu\u1eadt. \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 \u201ckim ch\u1ec9 nam\u201d cho vi\u1ec7c x\u1eed l\u00fd m\u1ed1i quan h\u1ec7 gi\u1eefa BLDS v\u00e0 c\u00e1c lu\u1eadt chuy\u00ean ng\u00e0nh. Theo \u0111\u00f3, trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 kh\u00e1c nhau gi\u1eefa BLDS 2015 v\u00e0 lu\u1eadt kh\u00e1c th\u00ec c\u00e1c quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt kh\u00e1c s\u1ebd \u0111\u01b0\u1ee3c \u01b0u ti\u00ean \u00e1p d\u1ee5ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00e1c quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt kh\u00e1c vi ph\u1ea1m nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n c\u1ee7a BLDS 2015.<\/p>\n

C\u1ee5 th\u1ec3, li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t, TS. B\u00f9i Quang T\u00edn – \u0110H Ng\u00e2n h\u00e0ng TP.HCM cho r\u1eb1ng, \u0110i\u1ec1u 468 BLDS 2015 \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh lo\u1ea1i tr\u1eeb vi\u1ec7c \u00e1p d\u1ee5ng m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t vay 20% trong “tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c”. TS. T\u00edn ph\u00e2n t\u00edch: \u201cLu\u1eadt kh\u00e1c\u201d \u1edf \u0111\u00e2y \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh. Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 12 Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc 2010 v\u00e0 kho\u1ea3n 2, 3 \u0110i\u1ec1u 91 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010, trong \u0111i\u1ec1u ki\u1ec7n b\u00ecnh th\u01b0\u1eddng, l\u00e3i su\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng s\u1ebd th\u1ef1c hi\u1ec7n theo c\u01a1 ch\u1ebf t\u1ef1 th\u1ecfa thu\u1eadn, kh\u00f4ng c\u00f3 tr\u1ea7n l\u00e3i su\u1ea5t. Ch\u1ec9 trong \u0111i\u1ec1u ki\u1ec7n \u0111\u1eb7c bi\u1ec7t c\u1ea7n c\u00f3 s\u1ef1 can thi\u1ec7p c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, NHNN m\u1edbi quy \u0111\u1ecbnh c\u01a1 ch\u1ebf x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t trong quan h\u1ec7 gi\u1eefa TCTD v\u00e0 kh\u00e1ch h\u00e0ng, c\u01a1 ch\u1ebf x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m tr\u1ea7n l\u00e3i su\u1ea5t cho vay trong quan h\u1ec7 c\u1ea5p t\u00edn d\u1ee5ng gi\u1eefa TCTD v\u1edbi kh\u00e1ch h\u00e0ng. Nh\u01b0 v\u1eady, BLDS \u0111\u00e3 lo\u1ea1i tr\u1eeb vi\u1ec7c \u00e1p d\u1ee5ng m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t vay 20%\/n\u0103m \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c TCTD, l\u00fac \u0111\u00f3 ph\u00e1p lu\u1eadt v\u1ec1 t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng s\u1ebd cho ph\u00e9p c\u00e1c b\u00ean trong quan h\u1ec7 t\u00edn d\u1ee5ng l\u00e0 TCTD v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u1ef1 tho\u1ea3 thu\u1eadn.<\/p>\n

\u0110\u1ed1i v\u1edbi n\u1ed9i dung b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, theo PGS.TS. \u0110\u1ed7 V\u0103n \u0110\u1ea1i – \u0110H Lu\u1eadt TP.HCM, BLDS 2015 \u0111\u00e3 c\u00f3 nhi\u1ec1u s\u1eeda \u0111\u1ed5i, b\u1ed5 sung. \u0110i\u1ec1u \u0111\u1ea7u ti\u00ean \u0111\u00e1ng ghi nh\u1eadn, \u0111\u00f3 l\u00e0 vi\u1ec7c b\u1ecf t\u1eeb \u201cd\u00e2n s\u1ef1\u201d ra kh\u1ecfi t\u00ean m\u1ee5c v\u00e0 c\u00e1c \u0111i\u1ec1u lu\u1eadt c\u00f3 li\u00ean quan \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 th\u1ed1ng nh\u1ea5t v\u1edbi c\u00e1c ph\u1ea7n kh\u00e1c c\u1ee7a B\u1ed9 lu\u1eadt. Ti\u1ebfp \u0111\u1ebfn l\u00e0 s\u1ef1 s\u1eafp x\u1ebfp l\u1ea1i c\u00e1c quy \u0111\u1ecbnh mang t\u00ednh tr\u00f9ng l\u1eb7p \u1edf c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m c\u1ee5 th\u1ec3 v\u00e0o ph\u1ea7n quy \u0111\u1ecbnh chung, b\u1ed5 sung th\u00eam m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh m\u1edbi nh\u01b0 v\u1ea5n \u0111\u1ec1 hi\u1ec7u l\u1ef1c \u0111\u1ed1i kh\u00e1ng v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba, \u0111\u0103ng k\u00fd bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m, c\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00f4ng b\u00e1o v\u1ec1 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, giao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd, quy\u1ec1n nh\u1eadn l\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u2026 Ngo\u00e0i ra, BLDS 2015 c\u0169ng \u0111\u00e3 quy \u0111\u1ecbnh b\u1ea3o l\u01b0u quy\u1ec1n s\u1edf h\u1eefu v\u00e0 c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n tr\u1edf th\u00e0nh bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 v\u00e0 \u00e1p d\u1ee5ng quy \u0111\u1ecbnh chung v\u1ec1 h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng (ri\u00eang h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p \u0111\u01b0\u1ee3c gi\u1eef l\u1ea1i).<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, c\u00e1c \u0111\u1ea1i bi\u1ec3u c\u0169ng ch\u1ec9 ra m\u1ed9t s\u1ed1 \u0111i\u1ec3m c\u00f2n b\u1ea5t c\u1eadp, v\u00eanh nhau gi\u1eefa BLDS v\u1edbi lu\u1eadt chuy\u00ean ng\u00e0nh. C\u1ee5 th\u1ec3, \u0111\u1ed1i v\u1edbi quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t, kho\u1ea3n 2 \u0110i\u1ec1u 91 Lu\u1eadt C\u00e1c TCTD 2010 m\u1eb7c d\u00f9 n\u00eau r\u00f5 l\u00e3i su\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c TCTD theo c\u01a1 ch\u1ebf tho\u1ea3 thu\u1eadn nh\u01b0ng \u201ctheo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d. Vi\u1ec7c ghi th\u00eam c\u1ee5m t\u1eeb n\u00e0y khi\u1ebfn c\u00e1c TCTD, kh\u00e1ch h\u00e0ng c\u00f3 quan h\u1ec7 t\u00edn d\u1ee5ng v\u1edbi TCTD v\u00e0 c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng th\u1ef1c thi ph\u00e1p lu\u1eadt l\u00fang t\u00fang l\u00e0 kh\u00f4ng bi\u1ebft theo ph\u00e1p lu\u1eadt v\u1ec1 t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng (kh\u00f4ng \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t cho vay) hay theo ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 (\u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t cho vay).<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
C\u00e1c chuy\u00ean gia trao \u0111\u1ed5i v\u1ec1 nh\u1eefng t\u00e1c \u0111\u1ed9ng c\u1ee7a BLDS 2015 t\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Trong l\u0129nh v\u1ef1c b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, m\u1ed9t trong nh\u1eefng v\u01b0\u1edbng m\u1eafc l\u1edbn nh\u1ea5t hi\u1ec7n nay l\u00e0 ch\u01b0a c\u00f3 c\u00e1ch hi\u1ec3u th\u1ed1ng nh\u1ea5t v\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 cho ng\u01b0\u1eddi kh\u00e1c.<\/p>\n

Hi\u1ec7n nay, c\u00f3 nhi\u1ec1u c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p x\u00e1c l\u1eadp c\u00e1c bi\u1ec7n ph\u00e1p th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 cho ng\u01b0\u1eddi kh\u00e1c. Theo \u0111\u00f3, c\u00f3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec \u0111\u1ed3ng \u00fd x\u00e1c l\u1eadp giao d\u1ecbch b\u1ea3o \u0111\u1ea3m n\u00e0y, c\u00f3 t\u1ed5 ch\u1ee9c th\u00ec kh\u00f4ng; trong qu\u00e1 tr\u00ecnh gi\u1ea3i quy\u1ebft tranh ch\u1ea5p c\u1ee7a ng\u00e0nh T\u00f2a \u00e1n c\u0169ng c\u00f3 hai quan \u0111i\u1ec3m: (1) ch\u1ea5p nh\u1eadn giao d\u1ecbch b\u1ea3o \u0111\u1ea3m d\u01b0\u1edbi d\u1ea1ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 cho ng\u01b0\u1eddi kh\u00e1c; (2) kh\u00f4ng ch\u1ea5p nh\u1eadn giao d\u1ecbch b\u1ea3o \u0111\u1ea3m th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 m\u00e0 coi l\u00e0 b\u1ea3o \u0111\u1ea3m b\u1eb1ng bi\u1ec7n ph\u00e1p b\u1ea3o l\u00e3nh.<\/p>\n

Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29\/12\/2006 v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 11\/2012\/N\u0110-CP s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP ch\u01b0a c\u00f3 quy \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn chi ti\u1ebft v\u1ec1 vi\u1ec7c cac b\u00ean c\u00f3 quy\u1ec1n x\u00e1c l\u1eadp bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c hay kh\u00f4ng. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 g\u00e2y kh\u00f3 kh\u0103n v\u00e0 nh\u1eefng r\u1ee7i ro ph\u00e1p l\u00fd cho ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p trong qu\u00e1 tr\u00ecnh k\u00fd k\u1ebft, th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c.<\/p>\n

\u0110\u1ec1 xu\u1ea5t c\u00e1c gi\u1ea3i ph\u00e1p x\u1eed l\u00fd c\u00e1c v\u01b0\u1edbng m\u1eafc trong quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t, \u0111\u1ea1i bi\u1ec3u B\u00f9i Quang T\u00edn n\u00eau \u00fd ki\u1ebfn, ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh c\u1ea7n quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u00e0 r\u00f5 r\u00e0ng h\u01a1n v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t n\u00e0y. Theo \u0111\u00f3, c\u01a1 quan l\u1eadp ph\u00e1p n\u00ean b\u1ecf c\u1ee5m t\u1eeb \u201ctheo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 91 Lu\u1eadt C\u00e1c TCTD 2010 nh\u1eb1m ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi c\u00e1c quy \u0111\u1ecbnh t\u1ea1i BLDS 2015.<\/p>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng c\u0169ng cho r\u1eb1ng Lu\u1eadt C\u00e1c TCTD 2010 c\u1ea7n s\u1eeda \u0111\u1ed5i theo h\u01b0\u1edbng kh\u00f4ng quy chi\u1ebfu ng\u01b0\u1ee3c tr\u1edf l\u1ea1i v\u1edbi BLDS nh\u1eb1m tr\u00e1nh x\u1ea3y ra t\u00ecnh tr\u1ea1ng l\u00f2ng v\u00f2ng, kh\u00f4ng r\u00f5 r\u00e0ng trong c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. BLDS 2015 m\u1eb7c d\u00f9 m\u1edbi \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua v\u00e0 s\u1eafp s\u1eeda c\u00f3 hi\u1ec7u l\u1ef1c nh\u01b0ng trong t\u01b0\u01a1ng lai v\u1eabn c\u1ea7n ti\u1ebfp t\u1ee5c s\u1eeda \u0111\u1ed5i n\u1ed9i dung li\u00ean quan v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t tr\u00ean c\u01a1 s\u1edf t\u00f4n tr\u1ecdng nguy\u00ean t\u1eafc th\u1ecfa thu\u1eadn. Tuy nhi\u00ean, tr\u01b0\u1edbc m\u1eaft c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng nh\u01b0 \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i, T\u00f2a \u00e1n Nh\u00e2n d\u00e2n t\u1ed1i cao, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc… c\u1ea7n c\u00f3 c\u00e1c v\u0103n b\u1ea3n gi\u1ea3i th\u00edch lu\u1eadt, c\u0169ng nh\u01b0 ban h\u00e0nh c\u00e1c th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn \u0111\u1ec3 TCTD v\u00e0 doanh nghi\u1ec7p c\u00f3 c\u0103n c\u1ee9 th\u1ef1c hi\u1ec7n theo.
\n<\/em>
\nV\u1ec1 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, \u0111\u1ea1i bi\u1ec3u Nguy\u1ec5n V\u0103n M\u1ea1nh – V\u1ee5 Ph\u00e1p lu\u1eadt V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7 cho r\u1eb1ng, c\u1ea7n quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u00e1c quy\u1ec1n t\u00e0i s\u1ea3n th\u00f4ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 c\u0169ng nh\u01b0 c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 v\u1ec1 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, bao g\u1ed3m: t\u00e0i s\u1ea3n ch\u01b0a h\u00ecnh th\u00e0nh v\u00e0 t\u00e0i s\u1ea3n \u0111\u00e3 h\u00ecnh th\u00e0nh nh\u01b0ng ch\u1ee7 th\u1ec3 x\u00e1c l\u1eadp quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n sau th\u1eddi \u0111i\u1ec3m x\u00e1c l\u1eadp giao d\u1ecbch. \u0110\u1ed3ng th\u1eddi h\u01b0\u1edbng d\u1eabn cho c\u00e1c c\u01a1 quan th\u1ef1c hi\u1ec7n \u0111\u0103ng k\u00fd bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m, t\u1ed5 ch\u1ee9c c\u00f4ng ch\u1ee9ng theo h\u01b0\u1edbng: khi ngh\u0129a v\u1ee5 trong t\u01b0\u01a1ng lai \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh c\u1ee7a kho\u1ea3n 2 \u0110i\u1ec1u 294 BLDS 2015 th\u00ec c\u00e1c b\u00ean tham gia giao d\u1ecbch kh\u00f4ng ph\u1ea3i k\u00fd k\u1ebft l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ho\u1eb7c \u0111\u0103ng k\u00fd bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi ngh\u0129a v\u1ee5 \u0111\u00f3.<\/p>\n

KIM PH\u01af\u01a0NG<\/strong><\/p>\n

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

Doanh nh\u00e2n S\u00e0i G\u00f2n (T\u00e0i ch\u00ednh \u2013 Ch\u1ee9ng kho\u00e1n) 24-12-2016:<\/em><\/strong><\/p>\n

http:\/\/www.doanhnhansaigon.vn\/tai-chinh-chung-khoan\/ap-dung-blds-2015-vao-linh-vuc-tai-chinh-ngan-hang-nhu-the-nao\/1101948\/<\/em><\/a><\/p>\n

(154\/1.668)<\/em>","protected":false},"excerpt":{"rendered":"

(DNSG) – B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i (BLDS 2015) \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00f4ng qua t\u1ea1i K\u1ef3 h\u1ecdp th\u1ee9 10, Qu\u1ed1c h\u1ed9i kh\u00f3a XIII ng\u00e0y 24\/11\/2015. M\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng c\u1ee7a BLDS 2015 l\u00e0 t\u1ea1o c\u01a1 ch\u1ebf ph\u00e1p l\u00fd \u0111\u1ea7y \u0111\u1ee7 cho vi\u1ec7c t\u00f4n tr\u1ecdng, b\u1ea3o v\u1ec7 v\u00e0 b\u1ea3o \u0111\u1ea3m quy\u1ec1n d\u00e2n s\u1ef1 […]<\/p>\n","protected":false},"author":3,"featured_media":30329,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30340","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.171. \u00c1p d\u1ee5ng BLDS 2015 v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh - ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o - 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\/1-171-ap-dung-blds-2015-vao-linh-vuc-tai-chinh-ngan-hang-nhu-the-nao\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.171. \u00c1p d\u1ee5ng BLDS 2015 v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh - ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(DNSG) – B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i (BLDS 2015) \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00f4ng qua t\u1ea1i K\u1ef3 h\u1ecdp th\u1ee9 10, Qu\u1ed1c h\u1ed9i kh\u00f3a XIII ng\u00e0y 24\/11\/2015. 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