{"id":30379,"date":"2016-12-31T13:58:28","date_gmt":"2016-12-31T06:58:28","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30379"},"modified":"2022-06-28T14:00:21","modified_gmt":"2022-06-28T07:00:21","slug":"1-184-lung-tung-khi-luat-chua-thong-nhat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-184-lung-tung-khi-luat-chua-thong-nhat\/","title":{"rendered":"1.184. L\u00fang t\u00fang khi lu\u1eadt ch\u01b0a th\u1ed1ng nh\u1ea5t"},"content":{"rendered":"<strong>(HNM) &#8211; Ch\u1ec9 c\u00f2n m\u1ed9t ng\u00e0y n\u1eefa l\u00e0 \u0111\u1ebfn th\u1eddi h\u1ea1n B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh (1-1-2017), song ch\u1ebf \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong b\u1ed9 lu\u1eadt l\u1ea1i kh\u00f4ng th\u1ed1ng nh\u1ea5t v\u1edbi lu\u1eadt chuy\u00ean ng\u00e0nh hi\u1ec7n h\u00e0nh khi\u1ebfn c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) l\u00fang t\u00fang v\u1ec1 ph\u01b0\u01a1ng \u00e1n \u00e1p d\u1ee5ng.<\/strong><\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-30380 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/84-1-450x298.png\" alt=\"\" width=\"450\" height=\"298\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/84-1-450x298.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/84-1-768x508.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/84-1.png 783w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/strong><br \/>\n<strong>Ch\u1ecdn h\u01b0\u1edbng \u0111i n\u00e0o?<\/strong><\/p>\n<p>\u0110i\u1ec1u 468 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 c\u00f3 quy \u0111\u1ecbnh: &#8220;Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c&#8221;. Theo \u0111\u00f3, \u201clu\u1eadt kh\u00e1c\u201d \u1edf \u0111\u00e2y 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 TCTD 2010. 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 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 th\u1ecfa thu\u1eadn.<\/p>\n<table width=\"667\">\n<tbody>\n<tr>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Kh\u00e1ch giao d\u1ecbch t\u1ea1i Ng\u00e2n h\u00e0ng Qu\u1ed1c t\u1ebf (VIB). \u1ea2nh: Thanh H\u1ea3i<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Tuy nhi\u00ean, v\u01b0\u1edbng m\u1eafc ph\u00e1t sinh \u1edf ch\u1ed7, 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 th\u1ecfa 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\u1ea3 b\u00ean vay, b\u00ean cho vay v\u00e0 c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng th\u1ef1c thi ph\u00e1p lu\u1eadt l\u00fang t\u00fang 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, tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p nh\u01b0 n\u00eau tr\u00ean).<\/p>\n<p>V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y TS B\u00f9i Quang T\u00edn (\u0110\u1ea1i h\u1ecdc Ng\u00e2n h\u00e0ng TP H\u1ed3 Ch\u00ed Minh) kh\u1eb3ng \u0111\u1ecbnh, \u0111\u1ec3 kh\u00f4ng bi\u1ebfn l\u00e3i su\u1ea5t tr\u1ea7n tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 ph\u00e1p l\u00fd h\u00e0nh ch\u00ednh h\u00f3a quan h\u1ec7 d\u00e2n s\u1ef1, b\u1ea3o \u0111\u1ea3m t\u00ednh linh ho\u1ea1t ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c quan h\u1ec7 vay t\u00e0i s\u1ea3n \u0111a d\u1ea1ng, c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung k\u1ecbp th\u1eddi \u0111\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee7a nh\u1eefng bi\u1ebfn \u0111\u1ed9ng v\u1ec1 kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 \u0111\u00e3 quy \u0111\u1ecbnh mang t\u00ednh linh ho\u1ea1t theo hai c\u01a1 ch\u1ebf: C\u0103n c\u1ee9 v\u00e0o t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf, \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t theo \u0111\u1ec1 ngh\u1ecb c\u1ee7a Ch\u00ednh ph\u1ee7; theo lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t ri\u00eang cho c\u00e1c quan h\u1ec7 cho vay \u0111\u1eb7c th\u00f9. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 91, Lu\u1eadt c\u00e1c TCTD 2010 n\u00eau: TCTD v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a TCTD theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Trong tr\u01b0\u1eddng h\u1ee3p ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u00f3 di\u1ec5n bi\u1ebfn b\u1ea5t th\u01b0\u1eddng, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng TCTD, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 quy\u1ec1n quy \u0111\u1ecbnh c\u01a1 ch\u1ebf x\u00e1c \u0111\u1ecbnh ph\u00ed, l\u00e3i su\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a TCTD.<\/p>\n<p>Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng theo h\u01b0\u1edbng tr\u00ean. C\u1ea7n n\u00f3i r\u00f5 r\u1eb1ng \u0111\u00e2y l\u00e0 quy \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 d\u00e0nh ri\u00eang cho quan h\u1ec7 t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i m\u00e0 c\u00f2n c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho lo\u1ea1i vay \u0111\u1eb7c th\u00f9 kh\u00e1c nh\u01b0 vay ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i, vay \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n, v\u00e0ng, ngo\u1ea1i t\u1ec7&#8230; n\u1ebfu Nh\u00e0 n\u01b0\u1edbc x\u00e9t th\u1ea5y c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh c\u00e1c quan h\u1ec7 vay n\u00e0y b\u1eb1ng c\u01a1 ch\u1ebf l\u00e3i su\u1ea5t ri\u00eang.<\/p>\n<p><strong>C\u1ea7n s\u1eeda lu\u1eadt chuy\u00ean ng\u00e0nh<\/strong><strong>\u00a0<\/strong><\/p>\n<p>M\u1eb7c d\u00f9 v\u1eady, trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean B\u00e1o H\u00e0n\u1ed9im\u1edbi, m\u1ed9t s\u1ed1 th\u1ea9m ph\u00e1n v\u1eabn cho r\u1eb1ng, Lu\u1eadt c\u00e1c TCTD hi\u1ec7n h\u00e0nh cho ph\u00e9p TCTD v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng song l\u1ea1i gi\u1edbi h\u1ea1n \u201ctheo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d l\u00e0 \u201cl\u00f2ng v\u00f2ng\u201d, \u201clu\u1ea9n qu\u1ea9n\u201d, \u201cmua d\u00e2y bu\u1ed9c m\u00ecnh\u201d. H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n n\u00f3i chung, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng n\u00f3i ri\u00eang l\u00e0 m\u1ed9t lo\u1ea1i giao d\u1ecbch d\u00e2n s\u1ef1.<\/p>\n<p>Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, 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 chi ti\u1ebft 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. Do \u0111\u00f3, vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh quan h\u1ec7 n\u00e0y ph\u1ea3i b\u1ea3o \u0111\u1ea3m c\u00e1c nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n c\u1ee7a ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1, quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1 v\u00e0 c\u00e1c nguy\u00ean t\u1eafc v\u1ec1 gi\u1edbi h\u1ea1n th\u1ef1c hi\u1ec7n quy\u1ec1n d\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n<p><em>V\u00ec v\u1eady, \u0111\u1ec3 tr\u00e1nh nhi\u1ec1u c\u00e1ch hi\u1ec3u kh\u00e1c nhau, 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, TAND 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 kh\u00e1ch h\u00e0ng c\u00f3 c\u0103n c\u1ee9 th\u1ef1c hi\u1ec7n th\u1ed1ng nh\u1ea5t. V\u1ec1 l\u00e2u d\u00e0i, 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 kh\u1eb3ng \u0111\u1ecbnh, 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 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, tr\u00e1nh c\u00e1c r\u1ee7i ro ph\u00e1p l\u00fd c\u00f3 th\u1ec3 ph\u00e1t<\/em> <em>sinh.<\/em><\/p>\n<p><strong>H\u00e0 Phong<\/strong><\/p>\n<p>\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n<p><strong><em>H\u00e0 N\u1ed9i m\u1edbi (X\u00e3 h\u1ed9i) 31-12-2016:<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/hanoimoi.com.vn\/Tin-tuc\/Xa-hoi\/859299\/lung-tung-khi-luat-chua-thong-nhat\"><em>http:\/\/hanoimoi.com.vn\/Tin-tuc\/Xa-hoi\/859299\/lung-tung-khi-luat-chua-thong-nhat<\/em><\/a><\/p>\n<p><strong><em>(128\/927)<\/em><\/strong><\/p>\n<p>&nbsp;","protected":false},"excerpt":{"rendered":"<p>(HNM) &#8211; Ch\u1ec9 c\u00f2n m\u1ed9t ng\u00e0y n\u1eefa l\u00e0 \u0111\u1ebfn th\u1eddi h\u1ea1n B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh (1-1-2017), song ch\u1ebf \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t trong b\u1ed9 lu\u1eadt l\u1ea1i kh\u00f4ng th\u1ed1ng nh\u1ea5t v\u1edbi lu\u1eadt chuy\u00ean ng\u00e0nh hi\u1ec7n h\u00e0nh khi\u1ebfn c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) l\u00fang t\u00fang v\u1ec1 ph\u01b0\u01a1ng \u00e1n \u00e1p d\u1ee5ng. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":30380,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30379","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>1.184. 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