{"id":30365,"date":"2016-12-27T10:48:02","date_gmt":"2016-12-27T03:48:02","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30365"},"modified":"2022-06-28T10:55:31","modified_gmt":"2022-06-28T03:55:31","slug":"1-180-lung-tung-khi-bo-luat-dan-su-2015-chuan-bi-co-hieu-luc","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-180-lung-tung-khi-bo-luat-dan-su-2015-chuan-bi-co-hieu-luc\/","title":{"rendered":"1.180. L\u00fang t\u00fang khi B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 chu\u1ea9n b\u1ecb c\u00f3 hi\u1ec7u l\u1ef1c"},"content":{"rendered":"<strong>(GD) &#8211; Nh\u1eefng v\u1ea5n \u0111\u1ec1 li\u00ean quan t\u1edbi th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t, th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba&#8230; \u0111ang thu h\u00fat s\u1ef1 quan t\u00e2m c\u1ee7a gi\u1edbi kinh doanh.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-30366 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/80.png\" alt=\"\" width=\"443\" height=\"277\" \/><\/p>\n<p><a href=\"http:\/\/giaoduc.net.vn\/Kinh-te\/Ong-Tran-Du-Lich-Da-coi-thi-khong-nen-troi-lai-post162895.gd\"><strong>\u00d4ng Tr\u1ea7n Du L\u1ecbch: \u201c\u0110\u00e3 c\u1edfi th\u00ec kh\u00f4ng n\u00ean tr\u00f3i l\u1ea1i\u201d<\/strong><\/a><a href=\"http:\/\/giaoduc.net.vn\/Kinh-te\/Ngan-hang-nha-nuoc-mua-cac-ngan-hang-gia-0-dong-co-dung-luat-post162550.gd\"><strong>Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc mua c\u00e1c ng\u00e2n h\u00e0ng gi\u00e1 0 \u0111\u1ed3ng c\u00f3 \u0111\u00fang lu\u1eadt?<\/strong><\/a><a href=\"http:\/\/giaoduc.net.vn\/Kinh-te\/Chong-tin-dung-den-nhung-khong-the-khong-che-tran-lai-suat-cho-ngan-hang-post158656.gd\"><strong>Ch\u1ed1ng t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng kh\u00f4ng th\u1ec3 kh\u1ed1ng ch\u1ebf tr\u1ea7n l\u00e3i su\u1ea5t cho ng\u00e2n h\u00e0ng<\/strong><\/a><\/p>\n<p>Theo c\u00e1c chuy\u00ean gia, m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/1\/2017) l\u00e0 nh\u1eb1m 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.<\/p>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, t\u1ea5t c\u1ea3 c\u00e1c quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u00e0 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 x\u1eed l\u00fd m\u1ed1i quan h\u1ec7 gi\u1eefa B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 c\u00e1c lu\u1eadt chuy\u00ean ng\u00e0nh.<\/p>\n<p>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 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005 kh\u00e1c v\u1edbi quy \u0111\u1ecbnh c\u1ee7a c\u00e1c lu\u1eadt chuy\u00ean ng\u00e0nh.<\/p>\n<p>\u0110\u1ec3 kh\u1eafc ph\u1ee5c b\u1ea5t c\u1eadp tr\u00ean, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 \u0111\u00e3 c\u00f3 nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh \u0111\u00e1ng ghi nh\u1eadn khi quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 nguy\u00ean t\u1eafc \u00e1p d\u1ee5ng B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 t\u1ea1i \u0110i\u1ec1u 4.<\/p>\n<p>Theo \u0111\u00f3, trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 kh\u00e1c nhau gi\u1eefa B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 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 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015.<\/p>\n<p>T\u1ea1i 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 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 \u0111\u1ed1i v\u1edbi th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh do B\u1ed9 T\u01b0 ph\u00e1p t\u1ed5 ch\u1ee9c ng\u00e0y 23\/12 v\u1eeba qua, TS.B\u00f9i Quang T\u00edn &#8211; \u0110\u1ea1i h\u1ecdc Ng\u00e2n h\u00e0ng TP.H\u1ed3 Ch\u00ed Minh cho r\u1eb1ng, \u0110i\u1ec1u 468 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 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 &#8220;tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c&#8221;. \u201cLu\u1eadt kh\u00e1c\u201d \u1edf \u0111\u00e2y \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh.<\/p>\n<p>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.<\/p>\n<p>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, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1edbi quy \u0111\u1ecbnh c\u01a1 ch\u1ebf x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t trong quan h\u1ec7 gi\u1eefa T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 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 T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n<p>Nh\u01b0 v\u1eady, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \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 T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, 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 T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u1ef1 tho\u1ea3 thu\u1eadn.<\/p>\n<p>\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, TS.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.<\/p>\n<p>Theo \u0111\u00f3, c\u01a1 quan l\u1eadp ph\u00e1p n\u00ean b\u1ecf \u0111i 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 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010 nh\u1eb1m ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi c\u00e1c quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015.<\/p>\n<p><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em><em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><em>\u00a0&#8211; Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng c\u0169ng cho r\u1eb1ng Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 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 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 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.<\/em><\/p>\n<p><em>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 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.<\/em><\/p>\n<p><em>Tuy nhi\u00ean, tr\u01b0\u1edbc m\u1eaft c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng nh\u01b0 \u1ee7y 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&#8230; 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 T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 doanh nghi\u1ec7p c\u00f3 c\u0103n c\u1ee9 th\u1ef1c hi\u1ec7n theo.<\/em><\/p>\n<p><strong>Ng\u1ecdc Quang<\/strong><\/p>\n<p>\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n<p><strong><em>Gi\u00e1o d\u1ee5c (Kinh t\u1ebf) 27-12-2016<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/giaoduc.net.vn\/Kinh-te\/Lung-tung-khi-Bo-Luat-Dan-su-2015-chuan-bi-co-hieu-luc-post173449.gd\">http:\/\/giaoduc.net.vn\/Kinh-te\/Lung-tung-khi-Bo-Luat-Dan-su-2015-chuan-bi-co-hieu-luc-post173449.gd<\/a><\/em><\/p>\n<p><em>(164\/882)<\/em>","protected":false},"excerpt":{"rendered":"<p>(GD) &#8211; Nh\u1eefng v\u1ea5n \u0111\u1ec1 li\u00ean quan t\u1edbi th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t, th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba&#8230; \u0111ang thu h\u00fat s\u1ef1 quan t\u00e2m c\u1ee7a gi\u1edbi kinh doanh. \u00d4ng Tr\u1ea7n Du L\u1ecbch: \u201c\u0110\u00e3 c\u1edfi th\u00ec kh\u00f4ng n\u00ean tr\u00f3i l\u1ea1i\u201dNg\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc mua c\u00e1c ng\u00e2n h\u00e0ng gi\u00e1 0 \u0111\u1ed3ng c\u00f3 \u0111\u00fang lu\u1eadt?Ch\u1ed1ng [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":30366,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.180. L\u00fang t\u00fang khi B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 chu\u1ea9n b\u1ecb c\u00f3 hi\u1ec7u l\u1ef1c - 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\/1-180-lung-tung-khi-bo-luat-dan-su-2015-chuan-bi-co-hieu-luc\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.180. 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