{"id":31215,"date":"2012-12-13T14:18:07","date_gmt":"2012-12-13T07:18:07","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31215"},"modified":"2022-07-01T14:20:59","modified_gmt":"2022-07-01T07:20:59","slug":"325-bao-lanh-ngan-hang-giay-to-co-gia-hay-vo-gia","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/325-bao-lanh-ngan-hang-giay-to-co-gia-hay-vo-gia\/","title":{"rendered":"325. B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng: Gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 hay v\u00f4 gi\u00e1?"},"content":{"rendered":"(\u0110TCK) – <\/strong>Th\u1eddi gian g\u1ea7n \u0111\u00e2y, tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean t\u1ee5c xu\u1ea5t hi\u1ec7n c\u00e1c v\u1ee5 tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn d\u1ecbch v\u1ee5 b\u1ea3o l\u00e3nh, khi ph\u00eda ng\u00e2n h\u00e0ng \u0111\u01b0a ra nhi\u1ec1u l\u00fd do \u0111\u1ec3 t\u1eeb ch\u1ed1i ngh\u0129a v\u1ee5 thanh to\u00e1n.<\/strong><\/p>\n

\u201cB\u1ea3o b\u1ed1i\u201d \u0111ang m\u1ea5t d\u1ea7n c\u00f4ng hi\u1ec7u<\/em><\/p>\n

Th\u1eddi gian g\u1ea7n \u0111\u00e2y, tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean t\u1ee5c xu\u1ea5t hi\u1ec7n c\u00e1c v\u1ee5 tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn d\u1ecbch v\u1ee5 b\u1ea3o l\u00e3nh, khi ph\u00eda ng\u00e2n h\u00e0ng \u0111\u01b0a ra nhi\u1ec1u l\u00fd do \u0111\u1ec3 t\u1eeb ch\u1ed1i ngh\u0129a v\u1ee5 thanh to\u00e1n. T\u00ecnh tr\u1ea1ng n\u00e0y \u0111ang \u201cb\u00e0o m\u00f2n\u201d ni\u1ec1m tin c\u1ee7a c\u00e1c doanh nghi\u1ec7p v\u00e0o m\u1ed9t nghi\u1ec7p v\u1ee5 v\u1ed1n \u0111\u01b0\u1ee3c coi l\u00e0 \u201cb\u1ea3o b\u1ed1i\u201d trong c\u00e1c giao d\u1ecbch kinh doanh. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u00e0i vi\u1ebft c\u1ee7a Lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u1ea3i, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt Ch\u1ee9ng kho\u00e1n -Ng\u00e2n h\u00e0ng – \u0110\u1ea7u t\u01b0 v\u1ec1 th\u1ef1c tr\u1ea1ng n\u00e0y, c\u0169ng nh\u01b0 c\u0103n nguy\u00ean c\u1ee7a n\u00f3.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u1ea3i, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt Ch\u1ee9ng kho\u00e1n -Ng\u00e2n h\u00e0ng – \u0110\u1ea7u t\u01b0<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0\u201cB\u1ea3o b\u1ed1i\u201d cho giao d\u1ecbch kinh doanh<\/strong><\/p>\n

B\u1ea3o l\u00e3nh kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng m\u1edbi m\u1ebb, \u0111\u00e2y l\u00e0 1 trong 7 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Theo \u0111\u00f3, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i c\u1ee7a b\u00ean c\u00f3 quy\u1ec1n trong m\u1ed9t giao d\u1ecbch (nh\u01b0 trong giao d\u1ecbch mua b\u00e1n, b\u00ean b\u00e1n l\u00e0 b\u00ean c\u00f3 quy\u1ec1n nh\u1eadn ti\u1ec1n), th\u00ec c\u00f3 m\u1ed9t b\u00ean th\u1ee9 ba \u0111\u1ee9ng ra cam k\u1ebft s\u1ebd th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thay cho b\u00ean c\u00f3 ngh\u0129a v\u1ee5 (nh\u01b0 b\u00ean mua h\u00e0ng trong giao d\u1ecbch mua b\u00e1n) khi c\u00f3 s\u1ef1 vi ph\u1ea1m ngh\u0129a v\u1ee5 x\u1ea3y ra.<\/p>\n

Bi\u1ec7n ph\u00e1p n\u00e0y xu\u1ea5t hi\u1ec7n t\u1eeb r\u1ea5t l\u00e2u, t\u1ed3n t\u1ea1i trong cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y v\u1edbi kh\u00e1i ni\u1ec7m \u201cl\u00e3nh n\u1ee3\u201d. \u0110\u1eb7c t\u00ednh c\u1ee7a b\u1ea3o l\u00e3nh th\u01b0\u1eddng l\u00e0 b\u00ean th\u1ee9 ba \u0111\u1ee9ng ra \u0111\u1ea3m b\u1ea3o d\u1ef1a tr\u00ean quan h\u1ec7 th\u00e2n quen (b\u1ea3o l\u00e3nh cho ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8\u2026), \u00edt khi nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i g\u00ec t\u1eeb b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh, nh\u01b0ng \u0111\u1ebfn khi ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 th\u00ec s\u1ebd b\u1ecb thi\u1ec7t h\u1ea1i v\u1ec1 v\u1eadt ch\u1ea5t, d\u1eabn \u0111\u1ebfn ng\u01b0\u1eddi b\u1ea3o l\u00e3nh th\u01b0\u1eddng tho\u00e1i th\u00e1c tr\u00e1ch nhi\u1ec7m. Ch\u00ednh v\u00ec \u0111\u1eb7c t\u00ednh n\u00e0y, vi\u1ec7c \u0111\u1ee9ng ra b\u1ea3o l\u00e3nh cho ng\u01b0\u1eddi kh\u00e1c, c\u0169ng nh\u01b0 vi\u1ec7c nh\u1eadn b\u1ea3o l\u00e3nh c\u1ee7a b\u00ean th\u1ee9 ba trong c\u00e1c giao d\u1ecbch gi\u1eefa t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n th\u00f4ng th\u01b0\u1eddng l\u00e0 kh\u00f4ng nhi\u1ec1u.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ebfn khi ng\u00e2n h\u00e0ng coi b\u1ea3o l\u00e3nh nh\u01b0 l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 kinh doanh, th\u00ec \u0111\u00e3 t\u1ea1o ra nhi\u1ec1u s\u1ef1 kh\u00e1c bi\u1ec7t. V\u1ec1 nguy\u00ean t\u1eafc, ng\u00e2n h\u00e0ng v\u1eabn l\u00e0 b\u00ean th\u1ee9 ba trong giao d\u1ecbch mua – b\u00e1n gi\u1eefa hai b\u00ean, nh\u01b0ng \u0111\u00e2y l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh nh\u00e0 ngh\u1ec1, c\u00f3 thu ph\u00ed. Th\u00eam n\u1eefa, khi ng\u00e2n h\u00e0ng ph\u1ea3i thanh to\u00e1n thay kh\u00e1ch h\u00e0ng, th\u00ec s\u1ebd bu\u1ed9c kh\u00e1ch h\u00e0ng nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c v\u00e0 khi \u0111\u00f3, ngh\u0129a v\u1ee5 thanh to\u00e1n tr\u1edf th\u00e0nh kho\u1ea3n vay, ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n thu n\u1ee3 v\u00e0 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t t\u1eeb kho\u1ea3n vay \u0111\u00f3.<\/p>\n

M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng n\u00e9 tr\u00e1nh tr\u00e1ch nhi\u1ec7m v\u1edbi ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh do c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng k\u00fd sai th\u1ea9m quy\u1ec1n<\/em><\/p>\n

M\u1ed9t kh\u00e1c bi\u1ec7t n\u1eefa l\u00e0m n\u00ean \u0111\u1eb7c th\u00f9 c\u1ee7a b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng n\u1eb1m \u1edf ch\u00ednh k\u1ef9 n\u0103ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng. Khi b\u1ea3o l\u00e3nh tr\u1edf th\u00e0nh nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng, c\u1ea3 m\u1ed9t h\u1ec7 th\u1ed1ng quy tr\u00ecnh, con ng\u01b0\u1eddi, c\u00f4ng ngh\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c v\u1eadn d\u1ee5ng \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh c\u00e1c \u0111i\u1ec1u ki\u1ec7n an to\u00e0n t\u00e0i ch\u00ednh c\u1ee7a b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh. \u0110i\u1ec1u n\u00e0y khi\u1ebfn cho giao d\u1ecbch tr\u1edf n\u00ean an to\u00e0n h\u01a1n, v\u00ec r\u1ee7i ro \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n t\u1eeb b\u00ean c\u00f3 quy\u1ec1n v\u1ec1 ng\u00e2n h\u00e0ng. Qua \u0111\u00f3, ng\u00e2n h\u00e0ng \u0111\u00e3 g\u00f3p ph\u1ea7n quan tr\u1ecdng th\u00fac \u0111\u1ea9y c\u00e1c giao d\u1ecbch kinh doanh th\u01b0\u01a1ng m\u1ea1i an to\u00e0n, hi\u1ec7u qu\u1ea3. T\u1ea5t c\u1ea3 \u0111i\u1ec1u \u0111\u00f3 t\u1ea1o n\u00ean d\u1ecbch v\u1ee5 uy t\u00edn kh\u00e1c bi\u1ec7t, \u0111\u1ed3ng th\u1eddi kh\u1eb3ng \u0111\u1ecbnh \u0111\u1eb3ng c\u1ea5p c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI:\u00a0<\/em><\/strong><\/p>\n

Vi\u1ec7c y\u00eau c\u1ea7u 3 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng k\u00fd v\u00e0o m\u1ed9t cam k\u1ebft b\u1ea3o l\u00e3nh c\u00f3 l\u1ebd nh\u1eb1m \u201cchu\u1ed9c\u201d l\u1ea1i uy t\u00edn c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, nh\u01b0ng th\u1ef1c ra \u0111\u00e3 \u201cb\u00e1n r\u1ebb\u201d uy t\u00edn c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. H\u00e3y so s\u00e1nh s\u1ef1 \u201ct\u01b0\u01a1ng ph\u1ea3n\u201d trong m\u1ed9t b\u1ea3n h\u1ee3p \u0111\u1ed3ng c\u1ea5p b\u1ea3o l\u00e3nh, b\u00ean DN ch\u1ec9 c\u1ea7n 1 ng\u01b0\u1eddi k\u00fd, c\u00f2n b\u00ean ng\u00e2n h\u00e0ng th\u00ec c\u1ea7n ph\u1ea3i 3 ng\u01b0\u1eddi k\u00fd. Th\u1ebf th\u00ec ch\u1eb3ng h\u00f3a ra l\u00e0 s\u1ef1 th\u1eeba nh\u1eadn ng\u01b0\u1ee3c \u0111\u1eddi: uy t\u00edn c\u1ee7a DN g\u1ea5p 3 l\u1ea7n uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng?!<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng l\u00e0 b\u1ea3o b\u1ed1i c\u1ee7a DN khi tham gia giao d\u1ecbch. Khi nh\u1eadn \u00f4 t\u00f4 l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, DN ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nguy c\u01a1 gi\u1ea3m gi\u00e1 tr\u1ecb, b\u1ecb m\u1ea5t; nh\u1eadn nh\u00e0 \u0111\u1ea5t th\u00ec kh\u00f3 b\u00e1n, kh\u00f3 di d\u1eddi ch\u1ee7 nh\u00e0\u2026 Nh\u01b0ng n\u1ebfu nh\u1eadn b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec khi x\u1ea3y ra vi ph\u1ea1m v\u1ec1 ngh\u0129a v\u1ee5 thanh to\u00e1n c\u1ee7a \u0111\u1ed1i t\u00e1c, d\u00f2ng ti\u1ec1n s\u1ebd ch\u1ea3y v\u1ec1 t\u00e0i kho\u1ea3n DN (nh\u1eadn b\u1ea3o l\u00e3nh) ngay l\u1eadp t\u1ee9c. Do \u0111\u00f3, DN r\u1ea5t tin c\u1eady b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng v\u00e0 trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, DN l\u1ea5y \u0111\u00f3 l\u00e0m \u0111i\u1ec1u ki\u1ec7n ti\u00ean quy\u1ebft \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch.<\/p>\n

Kh\u00f4ng ch\u1ec9 DN, m\u00e0 ngay c\u1ea3 ng\u00e2n h\u00e0ng c\u0169ng coi b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m nh\u1ea5t khi c\u1ea5p t\u00edn d\u1ee5ng. Nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng kh\u00e1c c\u00f3 gi\u00e1 tr\u1ecb cao h\u01a1n nhi\u1ec1u lo\u1ea1i b\u1ea3o \u0111\u1ea3m th\u00f4ng th\u01b0\u1eddng b\u1eb1ng nh\u00e0 \u0111\u1ea5t, ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i…, t\u1eeb \u0111\u00f3 x\u00e1c \u0111\u1ecbnh m\u1ee9c cho vay d\u1ef1a tr\u00ean gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng cao h\u01a1n so v\u1edbi vi\u1ec7c cho vay v\u00e0 nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00e1c.<\/p>\n

V\u00ec ti\u1ec1n \u0111\u00e1nh \u0111\u1ed5i uy t\u00edn?<\/strong><\/p>\n

D\u00f9 nghi\u1ec7p v\u1ee5 b\u1ea3o l\u00e3nh \u0111\u01b0\u1ee3c ph\u00eda DN tin c\u1eady v\u00e0 ng\u00e2n h\u00e0ng an t\u00e2m khi cung c\u1ea5p, nh\u01b0ng th\u1ef1c t\u1ebf \u0111\u00e3 kh\u00f4ng tr\u00e1nh kh\u1ecfi vi\u1ec7c x\u1ea3y ra nhi\u1ec1u tranh ch\u1ea5p gi\u1eefa c\u00e1c b\u00ean tham gia nghi\u1ec7p v\u1ee5 n\u00e0y. G\u1ea7n \u0111\u00e2y nh\u1ea5t, SeABank \u0111\u00e3 t\u1eeb ch\u1ed1i ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh cho Vinaconex – Viettel, do h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh \u0111\u01b0\u1ee3c k\u00fd b\u1edfi m\u1ed9t ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c, v\u01b0\u1ee3t khung quy \u0111\u1ecbnh v\u00e0 kh\u00f4ng c\u00f3 trong h\u1ec7 th\u1ed1ng c\u1ee7a Ng\u00e2n h\u00e0ng. Tr\u01b0\u1edbc \u0111\u00f3, li\u00ean quan vi\u1ec7c ph\u00e1t h\u00e0nh b\u1ea3o l\u00e3nh cho C\u00f4ng ty T\u00e2n H\u1ed3ng H\u00e0, Agribank \u0111\u00e3 \u0111\u01b0a v\u1ee5 vi\u1ec7c ra c\u01a1 quan c\u00f4ng an v\u00e0 Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh H\u1ed3ng H\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 b\u1ecb kh\u1edfi t\u1ed1 \u0111\u1ec3 \u0111i\u1ec1u tra.<\/p>\n

Ng\u00e0y c\u00e0ng nhi\u1ec1u v\u1ee5 vi\u1ec7c ng\u00e2n h\u00e0ng t\u1eeb ch\u1ed1i thanh to\u00e1n b\u1ea3o l\u00e3nh v\u1edbi c\u00e1c l\u00fd do nh\u01b0: b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh sai quy tr\u00ecnh, c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1, b\u00ean nh\u1eadn b\u1ea3o l\u00e3nh kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c vi ph\u1ea1m… \u0110i\u1ec1u n\u00e0y khi\u1ebfn DN d\u1ea7n m\u1ea5t ni\u1ec1m tin v\u1edbi b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng, l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn nghi\u1ec7p v\u1ee5 c\u1ea5p b\u1ea3o l\u00e3nh c\u1ee7a to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

X\u01b0a nay, khi nh\u1eadn b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng, DN ch\u1ec9 nh\u00ecn v\u00e0o uy t\u00edn v\u00e0 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng \u1ea9n sau con d\u1ea5u, ch\u1ee9c danh c\u1ee7a ng\u01b0\u1eddi k\u00fd ph\u00e1t h\u00e0nh b\u1ea3o l\u00e3nh. DN kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 v\u00e0 kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng bi\u1ebft \u0111\u01b0\u1ee3c trong v\u00e0i ngh\u00ecn nh\u00e2n s\u1ef1, v\u00e0i tr\u0103m chi nh\u00e1nh c\u1ee7a ng\u00e2n h\u00e0ng, th\u00ec ai l\u00e0 ng\u01b0\u1eddi c\u00f3 quy\u1ec1n \u0111\u01b0\u1ee3c k\u00fd b\u1ea3o l\u00e3nh v\u00e0 \u0111\u01b0\u1ee3c quy\u1ec1n c\u1ea5p b\u1ea3o l\u00e3nh \u0111\u1ebfn m\u1ee9c n\u00e0o. \u0110\u00e2y l\u00e0 s\u1ef1 \u0111\u00e1nh \u0111\u1ed1 DN, nh\u1ea5t l\u00e0 khi c\u00e1c ng\u00e2n h\u00e0ng lu\u00f4n coi ph\u00e2n c\u1ea5p n\u1ed9i b\u1ed9 l\u00e0 m\u1ed9t c\u00f4ng ngh\u1ec7 qu\u1ea3n tr\u1ecb v\u00e0 th\u01b0\u1eddng xuy\u00ean thay \u0111\u1ed5i.<\/p>\n

Qua c\u00e1ch h\u00e0nh x\u1eed c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng trong c\u00e1c v\u1ee5 vi\u1ec7c tranh ch\u1ea5p b\u1ea3o l\u00e3nh g\u1ea7n \u0111\u00e2y, c\u00f3 th\u1ec3 th\u1ea5y, ng\u00e2n h\u00e0ng lu\u00f4n t\u1eeb ch\u1ed1i tr\u00e1ch nhi\u1ec7m khi b\u1ea3o l\u00e3nh b\u1ecb k\u00fd sai th\u1ea9m quy\u1ec1n v\u00e0 khi \u0111\u00f3, ng\u01b0\u1eddi k\u00fd sai th\u1ea9m quy\u1ec1n s\u1ebd b\u1ecb x\u1eed l\u00fd tr\u00e1ch nhi\u1ec7m. V\u00e0 th\u1ebf l\u00e0 h\u1ebft, ng\u00e2n h\u00e0ng d\u1ee9t b\u1ecf tr\u00e1ch nhi\u1ec7m v\u1edbi th\u01b0 b\u1ea3o l\u00e3nh \u0111\u00e3 ph\u00e1t h\u00e0nh.<\/p>\n

\u1ede \u0111\u00e2y, ch\u00fang ta ph\u1ea3i nh\u00ecn nh\u1eadn c\u00f3 hai d\u1ea1ng quan h\u1ec7 tr\u00e1ch nhi\u1ec7m c\u1ea7n x\u1eed l\u00fd, th\u1ee9 nh\u1ea5t l\u00e0 quan h\u1ec7 tr\u00e1ch nhi\u1ec7m gi\u1eefa DN (b\u00ean nh\u1eadn b\u1ea3o l\u00e3nh) v\u00e0 ng\u00e2n h\u00e0ng; th\u1ee9 hai l\u00e0 quan h\u1ec7 tr\u00e1ch nhi\u1ec7m gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00e1n b\u1ed9 l\u00e0m sai c\u1ee7a ng\u00e2n h\u00e0ng. V\u1ec1 logic v\u00e0 \u0111\u1ea1o \u0111\u1ee9c kinh doanh, ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1edbi DN, d\u00f9 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng c\u00f3 ph\u00e1t h\u00e0nh b\u1ea3o l\u00e3nh sai th\u1ea9m quy\u1ec1n. B\u1edfi th\u1ef1c t\u1ebf, khi ng\u01b0\u1eddi ta nh\u1eadn b\u1ea3o l\u00e3nh t\u1eeb ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 nh\u1eadn cam k\u1ebft v\u1edbi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh v\u00e0 uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t DN th\u00f4ng th\u01b0\u1eddng, m\u00e0 l\u00e0 m\u1ed9t \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh, l\u00e0 DN \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh b\u00e0i b\u1ea3n nh\u1ea5t trong c\u00e1c DN. S\u1ef1 b\u00e0i b\u1ea3n \u1ea5y l\u00e0 y\u1ebfu t\u1ed1 qu\u1ea3n tr\u1ecb t\u1ed1t v\u1ec1 con ng\u01b0\u1eddi, v\u1ec1 c\u00f4ng ngh\u1ec7, v\u1ec1 uy t\u00edn, v\u1ec1 h\u00ecnh \u1ea3nh. Vi\u1ec7c ng\u00e2n h\u00e0ng \u0111\u01b0a c\u00e1c l\u00fd do t\u1eeb ch\u1ed1i thanh to\u00e1n b\u1ea3o l\u00e3nh b\u1eb1ng vi\u1ec7c \u0111\u1ed5 l\u1ed7i cho con ng\u01b0\u1eddi, c\u00f4ng ngh\u1ec7, v\u00f4 h\u00ecnh trung, ng\u00e2n h\u00e0ng \u0111\u00e3 t\u1ef1 b\u00e1n r\u1ebb uy t\u00edn, h\u00ecnh \u1ea3nh c\u1ee7a m\u00ecnh.<\/p>\n

Gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 hay v\u00f4 gi\u00e1 tr\u1ecb?<\/strong><\/p>\n

Ng\u00e0y 3\/10\/2012, NHNN \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 28\/TT-NHNN, trong \u0111\u00f3 th\u01b0 b\u1ea3o l\u00e3nh \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd nh\u01b0 m\u1ed9t lo\u1ea1i gi\u1ea5y t\u1edd c\u00f3 gi\u00e1. Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh, cam k\u1ebft b\u1ea3o l\u00e3nh v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 \u0111\u1ee7 3 ch\u1eef k\u00fd c\u1ee7a ng\u00e2n h\u00e0ng g\u1ed3m: ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt, ng\u01b0\u1eddi qu\u1ea3n l\u00fd r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng b\u1ea3o l\u00e3nh v\u00e0 ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh kho\u1ea3n b\u1ea3o l\u00e3nh. Ng\u00e2n h\u00e0ng s\u1ebd t\u1ef1 thi\u1ebft l\u1eadp c\u01a1 ch\u1ebf \u1ee7y quy\u1ec1n, nh\u01b0ng tr\u00ean c\u00e1c v\u0103n b\u1ea3n b\u1ea3o l\u00e3nh, ng\u00e2n h\u00e0ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00f3 t\u1ed1i thi\u1ec3u 3 d\u1ea1ng ch\u1eef k\u00fd n\u00e0y c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

Nghe th\u00ec c\u00f3 v\u1ebb ch\u1eb7t ch\u1ebd, nh\u01b0ng th\u1ef1c t\u1ebf l\u1ea1i gi\u1ed1ng nh\u01b0 vi\u1ec7c \u0111\u00e1nh \u0111\u1ed1 v\u1edbi DN. N\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, DN ph\u1ea3i t\u1ef1 t\u00ecm hi\u1ec3u \u00f4ng gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh ng\u00e2n h\u00e0ng k\u00fd cam k\u1ebft b\u1ea3o l\u00e3nh \u0111\u00e3 c\u00f3 \u0111\u1ee7 th\u1ea9m quy\u1ec1n ch\u01b0a, th\u00ec nay c\u00f2n ph\u1ea3i t\u00ecm hi\u1ec3u th\u00eam c\u1ea3 hai c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng xem h\u1ecd c\u00f3 th\u1ea9m quy\u1ec1n qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 th\u1ea9m \u0111\u1ecbnh b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng hay kh\u00f4ng. M\u1ed9t vi\u1ec7c \u0111\u00e3 kh\u00f3 c\u00e0ng kh\u00f3 th\u00eam v\u00e0 n\u1ebfu kh\u00f4ng th\u1ea9m \u0111\u1ecbnh k\u1ef9 c\u00e0ng, cam k\u1ebft b\u1ea3o l\u00e3nh – m\u1ed9t \u201cgi\u1ea5y t\u1edd c\u00f3 gi\u00e1\u201d d\u1ec5 th\u00e0nh v\u00f4 gi\u00e1 tr\u1ecb.<\/p>\n

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

\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n 13-12-2012:<\/em><\/strong><\/p>\n

http:\/\/tinnhanhchungkhoan.vn\/GL\/N\/CIIJGH\/bao-lanh-ngan-hang:-giay-to-co-gia-hay-vo-gia.html<\/a><\/em><\/p>\n

 ","protected":false},"excerpt":{"rendered":"

(\u0110TCK) – Th\u1eddi gian g\u1ea7n \u0111\u00e2y, tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean t\u1ee5c xu\u1ea5t hi\u1ec7n c\u00e1c v\u1ee5 tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn d\u1ecbch v\u1ee5 b\u1ea3o l\u00e3nh, khi ph\u00eda ng\u00e2n h\u00e0ng \u0111\u01b0a ra nhi\u1ec1u l\u00fd do \u0111\u1ec3 t\u1eeb ch\u1ed1i ngh\u0129a v\u1ee5 thanh to\u00e1n. \u201cB\u1ea3o b\u1ed1i\u201d \u0111ang m\u1ea5t d\u1ea7n c\u00f4ng hi\u1ec7u Th\u1eddi gian g\u1ea7n \u0111\u00e2y, tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean […]<\/p>\n","protected":false},"author":3,"featured_media":31219,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n325. B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng: Gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 hay v\u00f4 gi\u00e1? - 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\/vi\/325-bao-lanh-ngan-hang-giay-to-co-gia-hay-vo-gia\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]325. 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