{"id":30369,"date":"2016-12-27T13:37:11","date_gmt":"2016-12-27T06:37:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30369"},"modified":"2022-06-28T13:44:30","modified_gmt":"2022-06-28T06:44:30","slug":"1-181-lung-tung-dung-sai-noi-lo-pham-luat-bo-goi-gioi-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-181-lung-tung-dung-sai-noi-lo-pham-luat-bo-goi-gioi-ngan-hang\/","title":{"rendered":"1.181. L\u00fang t\u00fang \u0111\u00fang &#8211; sai: N\u1ed7i lo ph\u1ea1m lu\u1eadt b\u00f3 g\u1ed1i gi\u1edbi ng\u00e2n h\u00e0ng"},"content":{"rendered":"<strong>(VNN) &#8211; <\/strong><strong>Gi\u1edbi t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng r\u1ed1i b\u1eddi v\u1edbi n\u1ed7i lo ph\u1ea1m lu\u1eadt v\u00e0 c\u00f3 th\u1ec3 m\u1ea5t ng\u00e0n t\u1ef7 v\u1edbi nh\u1eefng quy \u0111\u1ecbnh m\u1edbi ch\u01b0a th\u1ed1ng nh\u1ea5t r\u00f5 r\u00e0ng gi\u1eefa B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 (c\u00f3 hi\u1ec7u l\u1ef1c 1\/1\/2017) v\u1edbi Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc 2010 v\u00e0 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) 2010.<\/strong><\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-30370 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/81-1-450x281.png\" alt=\"\" width=\"450\" height=\"281\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/81-1-450x281.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/81-1.png 533w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><br \/>\nTr\u1ea7n l\u00e3i su\u1ea5t v\u00e0 quy\u1ec1n t\u00e0i s\u1ea3n: Hi\u1ec3u sao \u0111\u00e2y?<\/strong><\/p>\n<p>Ch\u1ec9 v\u00e0i ng\u00e0y n\u1eefa, B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh (1\/1\/2017) trong khi gi\u1edbi lu\u1eadt s\u01b0, ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c chuy\u00ean gia kinh t\u1ebf v\u1eabn \u0111ang r\u1ed1i b\u1eddi kh\u00f4ng bi\u1ebft chuy\u1ec7n g\u00ec s\u1ebd x\u1ea3y ra b\u1edfi nh\u1eefng c\u00e1ch hi\u1ec3u kh\u00e1c nhau v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh c\u0169 m\u1edbi.<\/p>\n<p>Hai c\u00e2u chuy\u1ec7n \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp li\u00ean quan t\u1edbi B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 l\u00e0: tr\u1ea7n l\u00e3i su\u1ea5t v\u00e0 quy\u1ec1n t\u00e0i s\u1ea3n.<\/p>\n<p>M\u1ed9t \u0111i\u1ec3m n\u1ed5i b\u1eadt trong c\u00e2u chuy\u1ec7n v\u00eanh nhau trong c\u00e1ch hi\u1ec3u n\u1eb1m \u1edf \u0110i\u1ec1u 468 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. Theo \u0111\u00f3, \u0111i\u1ec1u kho\u1ea3n n\u00e0y 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;.<\/p>\n<p>\u201cLu\u1eadt kh\u00e1c\u201d \u1edf \u0111\u00e2y \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh, g\u1ed3m Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc 2010 v\u00e0 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) 2010.<\/p>\n<table width=\"0\">\n<tbody>\n<tr>\n<td><\/td>\n<\/tr>\n<tr>\n<td><em>Quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c hi\u1ec3u theo nhi\u1ec1u c\u00e1ch kh\u00e1c nhau.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Nh\u01b0 v\u1eady, 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 \u0111\u00e3 b\u1ecb lo\u1ea1i tr\u1eeb. V\u00e0, \u00e1p theo ph\u00e1p lu\u1eadt v\u1ec1 t\u00edn d\u1ee5ng, 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 v\u1ec1 l\u00e3i su\u1ea5t.<\/p>\n<p>Tuy nhi\u00ean, 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. C\u1ee5m t\u1eeb n\u00e0y v\u00f4 h\u00ecnh trung 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<p>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 \u0111\u00f3 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<p>Tr\u00ean th\u1ef1c t\u1ebf, c\u00f3 TCTD \u0111\u1ed3ng \u00fd x\u00e1c l\u1eadp giao d\u1ecbch b\u1ea3o \u0111\u1ea3m n\u00e0y, c\u00f3 t\u1ed5 ch\u1ee9c kh\u00f4ng. Ngay ng\u00e0nh t\u00f2a \u00e1n, khi gi\u1ea3i quy\u1ebft tranh ch\u1ea5p c\u0169ng c\u00f3 2 quan \u0111i\u1ec3m: Ch\u1ea5p nh\u1eadn ho\u1eb7c kh\u00f4ng 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.<\/p>\n<p><strong>Nguy c\u01a1 ph\u1ea1m lu\u1eadt, m\u1ea5t ti\u1ec1n<\/strong><\/p>\n<p>Soi l\u1ea1i B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2005 c\u00f3 th\u1ec3 th\u1ea5y, b\u1ed9 lu\u1eadt n\u00e0y kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh ngo\u1ea1i tr\u1eeb v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t (150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n) nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y t\u00f2a \u00e1n th\u01b0\u1eddng ch\u1ea5p nh\u1eadn c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng th\u1ecfa thu\u1eadn v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi lo\u1ea1i h\u00ecnh vay t\u00edn ch\u1ea5p nhi\u1ec1u r\u1ee7i ro.<\/p>\n<table width=\"0\">\n<tbody>\n<tr>\n<td><\/td>\n<\/tr>\n<tr>\n<td><em>X\u1eed l\u00fd n\u1ee3 x\u1ea5u kh\u00f4ng ch\u1ec9 l\u00e0 l\u00e0m \u0111\u1eb9p tr\u00ean s\u1ed5 s\u00e1ch.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Tuy nhi\u00ean, v\u1eabn c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, t\u00f2a \u00e1n kh\u00f4ng ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t v\u01b0\u1ee3t tr\u1ea7n, khi\u1ebfn nhi\u1ec1u TCTD l\u00fang t\u00fang v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 ho\u1eb7c kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3.<\/p>\n<p>V\u1edbi B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi (2015), quy \u0111\u1ecbnh \u0111\u00e3 m\u1edf r\u1ed9ng h\u01a1n, h\u01b0\u1edbng t\u1edbi vi\u1ec7c \u00e1p d\u1ee5ng lu\u1eadt chuy\u00ean ng\u00e0nh \u0111\u1ec3 s\u00e1t v\u1edbi th\u1ef1c t\u1ebf \u0111\u1eddi s\u1ed1ng kinh t\u1ebf h\u01a1n. Nh\u01b0ng \u0111i\u1ec1u \u0111ang ti\u1ebfc l\u00e0, Lu\u1eadt c\u00e1c TCTD tr\u01b0\u1edbc \u0111\u00f3 l\u1ea1i quy chi\u1ebfu chung chung v\u1ec1 \u201cquy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d. \u0110i\u00eau \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0, thay v\u00ec \u00e1p d\u1ee5ng Lu\u1eadt c\u00e1c TCTD, l\u1ea1i quay v\u1ec1 v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n<p>N\u1ebfu kh\u00f4ng c\u00f3 g\u00ec thay \u0111\u1ed5i, ch\u1eafc ch\u1eafn t\u1eeb \u0111\u1ea7u 2017 c\u00e1c TCTD s\u1ebd kh\u00f4ng th\u1ec3 bi\u1ebft m\u00ecnh l\u00e0m \u0111\u00fang hay sai khi c\u00f3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay trong c\u00e1c l\u0129nh v\u1ef1c r\u1ee7i ro cao v\u00e0 l\u00e3i su\u1ea5t v\u01b0\u1ee3t tr\u1ea7n 20%. Ranh gi\u1edbi gi\u1eefa \u0111\u00fang lu\u1eadt v\u00e0 sai lu\u1eadt r\u1ea5t mong m\u1ea1nh.<\/p>\n<p>V\u1ec1 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, m\u1ed7i quan \u0111i\u1ec3m s\u1ebd d\u1eabn t\u1edbi nh\u1eefng k\u1ebft lu\u1eadn kh\u00e1c nhau v\u00e0 \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 khi\u1ebfn cho kh\u1ea3 n\u0103ng gi\u1ea3i quy\u1ebft n\u1ee3 x\u1ea5u, x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ngh\u0129a v\u1ee5 cho ng\u01b0\u1eddi kh\u00e1c tr\u1edf th\u00e0nh b\u00e0i to\u00e1n kh\u00f4ng c\u00f3 l\u1eddi gi\u1ea3i.<\/p>\n<p>Quy \u0111\u1ecbnh y\u00eau c\u1ea7u b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m kh\u1edfi ki\u1ec7n t\u1ea1i t\u00f2a \u00e1n n\u1ebfu ng\u01b0\u1eddi \u0111ang gi\u1eef t\u00e0i s\u1ea3n kh\u00f4ng giao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u00f3 th\u1ec3 s\u1ebd khi\u1ebfn ng\u00e2n h\u00e0ng kh\u00f3 kh\u0103n h\u01a1n trong vi\u1ec7c \u0111\u00f2i n\u1ee3. Ng\u00e0n t\u1ef7 ti\u1ec1n n\u1ee3 \u0111ang k\u1eb9t trong c\u00e1c kh\u1ed1i t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o s\u1ebd kh\u00f3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd, k\u00e9o theo ti\u1ebfn tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng.<\/p>\n<p>Tr\u01b0\u1edbc \u0111\u00f3, theo \u0111\u1ea1i t\u00e1 Nguy\u1ec5n Tr\u1ecdng Long, Ph\u00f3 c\u1ee5c tr\u01b0\u1edfng C\u1ee5c CS\u0110T t\u1ed9i ph\u1ea1m v\u1ec1 tr\u1eadt t\u1ef1 qu\u1ea3n l\u00fd kinh t\u1ebf v\u00e0 ch\u1ee9c v\u1ee5 (C46) B\u1ed9 C\u00f4ng an, n\u1ee3 x\u1ea5u v\u1eabn l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 n\u1ed5i c\u1ed9m v\u00e0 NH g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c \u0111\u00f2i n\u1ee3 do nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng h\u1ee3p t\u00e1c, t\u1eaft m\u00e1y, th\u00e1ch \u0111\u1ed1, \u0111e d\u1ecda, trong khi v\u1eabn nh\u00e0 l\u1ea7u xe h\u01a1i, dong ch\u01a1i d\u00e0i d\u00e0i. Ch\u1ee7 n\u1ee3 b\u1ecf DN n\u00e0y, l\u1eadp DN kh\u00e1c, th\u1eadm ch\u00ed v\u1eabn c\u00f3 doanh thu b\u00ecnh th\u01b0\u1eddng. V\u00e0 n\u1ebfu t\u1eadp h\u1ee3p l\u1ea1i nh\u00f3m n\u1ee3 x\u1ea5u lo\u1ea1i n\u00e0y c\u00f3 th\u1ec3 l\u00ean t\u1edbi h\u00e0ng ng\u00e0n t\u1ef7 \u0111\u1ed3ng.<\/p>\n<p><em>Theo LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em><em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><em>\u00a0tr\u01b0\u1edbc m\u1eaft, \u0111\u1ec3 tr\u00e1nh s\u1ef1 hi\u1ec3u l\u1ea7m v\u00e0 \u00e1p d\u1ee5ng sai (t\u1eeb 1\/1\/2017), 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 TCTD v\u00e0 doanh nghi\u1ec7p c\u00f3 c\u0103n c\u1ee9 th\u1ef1c hi\u1ec7n theo.<\/em><\/p>\n<p><em>C\u00f2n v\u1ec1 l\u00e2u d\u00e0i, theo \u00f4ng \u0110\u1ee9c, B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 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<ol start=\"2015\">\n<li>B\u00f9i Quang T\u00edn t\u1eeb Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Ng\u00e2n h\u00e0ng TP.HCM c\u0169ng cho r\u1eb1ng, 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. C\u01a1 quan l\u1eadp ph\u00e1p c\u00f3 th\u1ec3 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 TCTD 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.<\/li>\n<\/ol>\n<p>C\u00f2n v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u, nhi\u1ec1u chuy\u00ean gia cho r\u1eb1ng c\u1ea7n m\u1ed9t lu\u1eadt ri\u00eang ho\u1eb7c ngh\u1ecb \u0111\u1ecbnh ri\u00eang cho v\u1ea5n \u0111\u1ec1 n\u00e0y, tr\u00e1nh t\u00ecnh tr\u1ea1ng nhi\u1ec1u v\u1ee5 vi\u1ec7c k\u00e9o d\u00e0i 5-7 n\u0103m m\u00e0 v\u1eabn kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft xong.<\/p>\n<p>Tr\u01b0\u1edbc \u0111\u00f3, TS V\u00f5 Tr\u00ed Th\u00e0nh cho r\u1eb1ng, tr\u01b0\u1edbc m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng k\u1ef3 d\u1ecb \u0111\u1eb7c bi\u1ec7t, th\u00ec ph\u1ea3i d\u00f9ng bi\u1ec7n ph\u00e1p k\u1ef3 d\u1ecb \u0111\u1eb7c bi\u1ec7t, c\u00f2n n\u1ebfu ch\u1ec9 d\u00f9ng c\u00e1c bi\u1ec7n ph\u00e1p th\u00f4ng th\u01b0\u1eddng th\u00ec \u201ckh\u00f4ng \u0103n \u0111\u01b0\u1ee3c\u201d. \u0110i\u1ec1u \u0111\u1ea7u ti\u00ean l\u00e0 ph\u1ea3i quy\u1ebft li\u1ec7t, kh\u00f4ng quy\u1ebft li\u1ec7t th\u00ec kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1.<\/p>\n<ol>\n<li><strong> T\u00fa<\/strong><\/li>\n<\/ol>\n<p>\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n<p><strong><em>Vietnamnet (T\u00e0i ch\u00ednh) 27-12-2016:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/vietnamnet.vn\/vn\/kinh-doanh\/tai-chinh\/lung-tung-dung-sai-noi-lo-pham-luat-bo-goi-gioi-ngan-hang-348668.html\">http:\/\/vietnamnet.vn\/vn\/kinh-doanh\/tai-chinh\/lung-tung-dung-sai-noi-lo-pham-luat-bo-goi-gioi-ngan-hang-348668.html<\/a><\/em><\/p>\n<p><em>(103\/1.253)<\/em>","protected":false},"excerpt":{"rendered":"<p>(VNN) &#8211; Gi\u1edbi t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng r\u1ed1i b\u1eddi v\u1edbi n\u1ed7i lo ph\u1ea1m lu\u1eadt v\u00e0 c\u00f3 th\u1ec3 m\u1ea5t ng\u00e0n t\u1ef7 v\u1edbi nh\u1eefng quy \u0111\u1ecbnh m\u1edbi ch\u01b0a th\u1ed1ng nh\u1ea5t r\u00f5 r\u00e0ng gi\u1eefa B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 (c\u00f3 hi\u1ec7u l\u1ef1c 1\/1\/2017) v\u1edbi Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc 2010 v\u00e0 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":30370,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30369","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>1.181. 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L\u00fang t\u00fang \u0111\u00fang - sai: N\u1ed7i lo ph\u1ea1m lu\u1eadt b\u00f3 g\u1ed1i gi\u1edbi ng\u00e2n h\u00e0ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(VNN) &#8211; Gi\u1edbi t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng r\u1ed1i b\u1eddi v\u1edbi n\u1ed7i lo ph\u1ea1m lu\u1eadt v\u00e0 c\u00f3 th\u1ec3 m\u1ea5t ng\u00e0n t\u1ef7 v\u1edbi nh\u1eefng quy \u0111\u1ecbnh m\u1edbi ch\u01b0a th\u1ed1ng nh\u1ea5t r\u00f5 r\u00e0ng gi\u1eefa B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 (c\u00f3 hi\u1ec7u l\u1ef1c 1\/1\/2017) v\u1edbi Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc 2010 v\u00e0 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/1-181-lung-tung-dung-sai-noi-lo-pham-luat-bo-goi-gioi-ngan-hang\/\" \/>\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=\"2016-12-27T06:37:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-28T06:44:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/81-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"533\" \/>\n\t<meta property=\"og:image:height\" content=\"333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\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=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-181-lung-tung-dung-sai-noi-lo-pham-luat-bo-goi-gioi-ngan-hang\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-181-lung-tung-dung-sai-noi-lo-pham-luat-bo-goi-gioi-ngan-hang\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"1.181. 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