{"id":31591,"date":"2015-03-25T15:11:09","date_gmt":"2015-03-25T08:11:09","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31591"},"modified":"2022-07-04T15:47:13","modified_gmt":"2022-07-04T08:47:13","slug":"681-gop-y-du-thao-bo-luat-dan-su-vuong-du-duong-voi-quy-dinh-giao-dich-dam-bao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/681-gop-y-du-thao-bo-luat-dan-su-vuong-du-duong-voi-quy-dinh-giao-dich-dam-bao\/","title":{"rendered":"681. G\u00f3p \u00fd d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: V\u01b0\u1edbng \u0111\u1ee7 \u0111\u01b0\u1eddng v\u1edbi quy \u0111\u1ecbnh giao d\u1ecbch \u0111\u1ea3m b\u1ea3o"},"content":{"rendered":"(NH) – M\u00e2u thu\u1eabn trong c\u00e1c lu\u1eadt khi\u1ebfn h\u00e0ng tr\u0103m ng\u00e0n t\u1ef7 \u0111\u1ed3ng c\u1ee7a NH c\u00f3 nguy c\u01a1 m\u1ea5t v\u1ed1n. Trong khi \u0111\u00f3, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o (TS\u0110B) \u0111\u01b0\u1ee3c cho l\u00e0 kh\u00f4ng kh\u1ea3 thi.<\/strong><\/p>\n

Hi\u1ec7n nay B\u1ed9 T\u01b0 ph\u00e1p \u0111ang tri\u1ec3n khai l\u1ea5y \u00fd ki\u1ebfn v\u1ec1 d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i). Trong s\u1ed1 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c t\u00edn d\u1ee5nH th\u00ec c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c c\u00e1c NH, DN v\u00e0 chuy\u00ean gia g\u00f3p \u00fd s\u1eeda \u0111\u1ed5i nhi\u1ec1u nh\u1ea5t. H\u1ea7u h\u1ebft c\u00e1c \u00fd ki\u1ebfn \u0111\u1ec1u \u0111\u01b0a ra nh\u1eefng \u0111i\u1ec3m b\u1ea5t c\u1eadp, kh\u00e1c bi\u1ec7t so v\u1edbi th\u1ef1c ti\u1ec5n \u0111\u1eddi s\u1ed1ng.<\/p>\n\n\n\n\n
\"\"<\/em><\/td>\n<\/tr>\n
C\u00e1c quy \u0111\u1ecbnh ch\u1ed3ng ch\u00e9o trong x\u1eed l\u00fd TS\u0110B l\u00e0m cho r\u1ee7i ro c\u00f3 th\u1ec3 quay tr\u1edf l\u1ea1i b\u00ean cho vay.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u00f2a ph\u1ee7 nh\u1eadn, NHTM b\u1ecb \u201cch\u00f4n\u201d v\u1ed1n<\/strong><\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/i>, nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ea3m b\u1ea3o trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hi\u1ec7n nay v\u1eabn c\u00f2n nhi\u1ec1u b\u1ea5t c\u1eadp. Trong \u0111\u00f3, n\u1ed5i l\u00ean l\u00e0 ch\u01b0a c\u00f3 ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng v\u1ec1 \u0111\u1ecbnh ngh\u0129a gi\u1eefa quan h\u1ec7 giao d\u1ecbch \u201cc\u1ea7m c\u1ed1\u201d v\u00e0 \u201cth\u1ebf ch\u1ea5p\u201d.<\/p>\n

C\u1ee5 th\u1ec3, \u0110i\u1ec1u 335 d\u1ef1 lu\u1eadt quy \u0111\u1ecbnh: \u201cc\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n l\u00e0 vi\u1ec7c b\u00ean c\u1ea7m c\u1ed1 chuy\u1ec3n giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 c\u1ee7a m\u00ecnh ho\u1eb7c c\u1ee7a ng\u01b0\u1eddi kh\u00e1c\u201d. Nh\u01b0ng quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng bao qu\u00e1t \u0111\u01b0\u1ee3c c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u1ea7m c\u1ed1 m\u00e0 b\u00ean c\u1ea7m c\u1ed1 kh\u00f4ng chuy\u1ec3n giao t\u00e0i s\u1ea3n m\u00e0 ch\u1ec9 chuy\u1ec3n giao gi\u1ea5y t\u1edd v\u1ec1 t\u00e0i s\u1ea3n c\u00f2n t\u00e0i s\u1ea3n th\u00ec \u0111ang do ng\u01b0\u1eddi th\u1ee9 ba n\u1eafm gi\u1eef (v\u00ed d\u1ee5: ti\u1ec1n g\u1eedi NH, c\u1ed5 phi\u1ebfu, s\u1ed5 ti\u1ebft ki\u1ec7m\u2026).<\/p>\n

T\u1ea1i \u0110i\u1ec1u 336 d\u1ef1 lu\u1eadt quy \u0111\u1ecbnh r\u1eb1ng: \u201cvi\u1ec7c c\u1ea7m c\u1ed1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, c\u1ea7m c\u1ed1 quy\u1ec1n \u0111\u00f2i n\u1ee3 v\u00e0 c\u00e1c quy\u1ec1n t\u00e0i s\u1ea3n kh\u00e1c c\u00f3 hi\u1ec7u l\u1ef1c \u0111\u1ed1i kh\u00e1ng v\u1edbi ng\u01b0\u1eddi th\u1ee9 3\u201d. Quy \u0111\u1ecbnh nh\u01b0 tr\u00ean s\u1ebd m\u00e2u thu\u1eabn v\u1edbi c\u00e1c lu\u1eadt tr\u01b0\u1edbc \u0111\u00f3 (bao g\u1ed3m: Lu\u1eadt \u0110\u1ea5t \u0111ai 2013, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n 2014 v\u00e0 Lu\u1eadt Nh\u00e0 \u1edf 2014) v\u00ec c\u00e1c lu\u1eadt n\u00e0y ch\u1ec9 cho ph\u00e9p th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n, th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 th\u1ebf ch\u1ea5p nh\u00e0 \u1edf ch\u1ee9 kh\u00f4ng cho ph\u00e9p c\u1ea7m c\u1ed1 c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n tr\u00ean.<\/p>\n

Do \u0111\u00f3, d\u1ef1 lu\u1eadt c\u1ea7n xem l\u1ea1i quy \u0111\u1ecbnh v\u1ec1 c\u1ea7m c\u1ed1 t\u1ea1i \u0110i\u1ec1u 336, gi\u1ea3i th\u00edch c\u1ee5 th\u1ec3, n\u1ebfu cho ph\u00e9p c\u1ea7m c\u1ed1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec vi\u1ec7c chuy\u1ec3n giao t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c hi\u1ec3u kh\u00e1c v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh nh\u01b0 th\u1ebf n\u00e0o v\u00e0 khi x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 v\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00e1c nhau ra sao. B\u1edfi hi\u1ec7n nay, \u0111\u1ec3 tr\u00e1nh nh\u1eefng v\u01b0\u1edbng m\u1eafc ch\u01b0a g\u1ee1 \u0111\u01b0\u1ee3c, c\u00e1c NHTM th\u01b0\u1eddng v\u1eabn l\u00e0m h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n v\u1edbi b\u00ean vay v\u1ed1n.<\/p>\n

Tuy nhi\u00ean, trong h\u1ee3p \u0111\u1ed3ng v\u1eabn lu\u00f4n \u201cth\u00f2ng\u201d m\u1ed9t \u0111i\u1ec1u ki\u1ec7n \u201cNH \u0111\u01b0\u1ee3c quy\u1ec1n gi\u1eef, ki\u1ec3m so\u00e1t to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d. T\u1ee9c l\u00e0 b\u1ea3n ch\u1ea5t h\u1ee3p \u0111\u1ed3ng l\u00e0 c\u1ea7m c\u1ed1 nh\u01b0ng c\u00e2u ch\u1eef th\u1ec3 hi\u1ec7n ra l\u00e0 th\u1ebf ch\u1ea5p.<\/p>\n

M\u1ed9t b\u1ea5t c\u1eadp l\u1edbn kh\u00e1c, quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a ng\u01b0\u1eddi th\u1ee9 3. Theo \u0111\u00f3, t\u1ea1i \u0110i\u1ec1u 369, d\u1ef1 lu\u1eadt cho ph\u00e9p \u201cngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n b\u1eb1ng c\u1ea7m c\u1ed1 ho\u1eb7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n n\u1ebfu c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn\u201d. Chi\u1ebfu theo quy \u0111\u1ecbnh n\u00e0y th\u00ec n\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u0169ng c\u00f3 th\u1ec3 mang ra b\u1ea3o l\u00e3nh. Trong khi \u0111\u00f3, Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2013 \u0111\u00e3 b\u1ecf quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.<\/p>\n

H\u1ec7 qu\u1ea3 c\u1ee7a vi\u1ec7c n\u00e0y l\u00e0 ph\u00eda t\u00f2a \u00e1n kh\u00f4ng th\u1ee5 l\u00fd v\u00e0 kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a ng\u01b0\u1eddi th\u1ee9 3. Ch\u00ednh vi\u1ec7c n\u00e0y \u0111\u00e3 khi\u1ebfn cho h\u00e0ng v\u1ea1n h\u1ed3 s\u01a1 kh\u1edfi ki\u1ec7n li\u00ean quan \u0111\u1ebfn th\u1ebf ch\u1ea5p – b\u1ea3o l\u00e3nh kh\u00f4ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c, d\u1eabn t\u1edbi h\u00e0ng tr\u0103m ng\u00e0n t\u1ef7 \u0111\u1ed3ng v\u1ed1n cho vay c\u1ee7a c\u00e1c NHTM c\u00f3 nguy c\u01a1 b\u1ecb ch\u00f4n l\u1ea1i d\u00e0i h\u1ea1n.<\/p>\n

Cho kh\u00f4ng \u0111\u01b0\u1ee3c,\u00a0b\u00e1n kh\u00f4ng xong<\/strong><\/p>\n

M\u1ed9t trong nh\u1eefng \u0111i\u1ec3m b\u1ee9c x\u00fac nh\u1ea5t li\u00ean quan \u0111\u1ebfn vi\u1ec7c x\u1eed l\u00fd TS\u0110B \u0111\u01b0\u1ee3c c\u00e1c NHTM v\u00e0 c\u00e1c DN quan t\u00e2m \u0111\u00f3 l\u00e0 quy\u1ec1n \u01b0u ti\u00ean c\u1ee7a c\u00e1c ch\u1ee7 n\u1ee3 v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 theo \u0111u\u1ed5i kho\u1ea3n n\u1ee3 khi TS\u0110B \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111em b\u00e1n.<\/p>\n

PGS.TS. Nguy\u1ec5n Ng\u1ecdc \u0110i\u1ec7n, Ph\u00f3 Hi\u1ec7u tr\u01b0\u1edfng Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf – Lu\u1eadt TP. H\u1ed3 Ch\u00ed Minh cho r\u1eb1ng, vi\u1ec7c b\u00e1n TS\u0110B trong tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 th\u1ebf ch\u1ea5p \u1edf nhi\u1ec1u ch\u1ee7 n\u1ee3 n\u00ean x\u1eed l\u00fd theo c\u00e1ch \u01b0u ti\u00ean ch\u1ee7 n\u1ee3 th\u1ee9 nh\u1ea5t.<\/p>\n\n\n\n
\n

Theo c\u00e1c ki\u1ebfn ngh\u1ecb c\u1ee7a nh\u00f3m nghi\u00ean c\u1ee9u thu\u1ed9c tr\u01b0\u1eddng Lu\u1eadt McKinney, \u0110\u1ea1i h\u1ecdc Indiana (Hoa K\u1ef3) \u0111\u1ec3 ho\u00e0n thi\u1ec7n B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i, ban so\u1ea1n th\u1ea3o ti\u1ebfp c\u1eadn ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch \u0111\u1ea3m b\u1ea3o theo h\u1ec7 th\u1ed1ng \u0111\u01a1n nh\u1ea5t c\u1ee7a \u1ee6y ban Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i Qu\u1ed1c t\u1ebf Li\u00ean Hi\u1ec7p qu\u1ed1c.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo \u0111\u00f3, khi ti\u1ebfn h\u00e0nh b\u00e1n, b\u00ean mua TS\u0110B c\u00f3 tr\u00e1ch nhi\u1ec7m g\u1eedi th\u00f4ng b\u00e1o v\u1ec1 vi\u1ec7c mua t\u00e0i s\u1ea3n cho c\u00e1c ch\u1ee7 n\u1ee3 c\u00f2n l\u1ea1i \u0111\u1ec3 x\u00e1c l\u1eadp r\u1eb1ng t\u00e0i s\u1ea3n h\u1ecd d\u1ef1 \u0111\u1ecbnh mua l\u00e0 \u201ct\u00e0i s\u1ea3n s\u1ea1ch\u201d. Sau khi mua t\u00e0i s\u1ea3n xong, s\u1ed1 ti\u1ec1n t\u1eeb vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c b\u00ean b\u00e1n tr\u1ea3 cho ch\u1ee7 n\u1ee3 th\u1ee9 nh\u1ea5t. C\u00e1c ch\u1ee7 n\u1ee3 c\u00f2n l\u1ea1i v\u1eabn ti\u1ebfp t\u1ee5c c\u00f3 quy\u1ec1n theo \u0111u\u1ed5i kho\u1ea3n n\u1ee3 c\u1ee7a m\u00ecnh nh\u01b0ng kh\u00f4ng li\u00ean quan \u0111\u1ebfn TS\u0110B m\u00e0 ch\u1ec9 li\u00ean quan tr\u00ean gi\u1ea5y t\u1edd.<\/p>\n

Ch\u1eb3ng h\u1ea1n, 1 c\u0103n nh\u00e0 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n \u1edf 3 NH, th\u00ec khi NH th\u1ee9 nh\u1ea5t \u0111\u1ebfn h\u1ea1n thanh l\u00fd, h\u1ecd s\u1ebd ch\u1ecdn b\u00ean mua. B\u00ean mua s\u1ebd th\u00f4ng b\u00e1o \u0111\u1ebfn 2 NH c\u00f2n l\u1ea1i \u0111\u1ec3 \u0111\u01b0\u1ee3c mua c\u0103n nh\u00e0 tr\u00ean trong t\u00ecnh tr\u1ea1ng s\u1ea1ch. S\u1ed1 ti\u1ec1n b\u00ean mua tr\u1ea3 cho b\u00ean b\u00e1n s\u1ebd \u0111\u01b0\u1ee3c \u01b0u ti\u00ean tr\u1ea3 cho NH th\u1ee9 nh\u1ea5t. C\u00e1c NH c\u00f2n l\u1ea1i v\u1eabn c\u00f3 quy\u1ec1n \u0111\u00f2i n\u1ee3 t\u1eeb ng\u01b0\u1eddi vay v\u1ed1n nh\u01b0ng vi\u1ec7c \u0111\u00f2i n\u1ee3 n\u00e0y kh\u00f4ng li\u00ean quan \u0111\u1ebfn c\u0103n nh\u00e0 n\u1eefa.<\/p>\n

C\u00e1ch th\u1ee9c \u01b0u ti\u00ean tr\u00ean ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf v\u00e0 \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 n\u01b0\u1edbc ch\u00e2u \u00c2u \u00e1p d\u1ee5ng. Tuy nhi\u00ean, nhi\u1ec1u \u0111\u1ea1i di\u1ec7n NHTM cho r\u1eb1ng kh\u00f3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n t\u1ea1i Vi\u1ec7t Nam, b\u1edfi h\u1ea7u h\u1ebft c\u00e1c NHTM khi cho vay \u0111\u1ec1u ph\u1ea3i r\u00e0ng bu\u1ed9c ch\u1eb7t ch\u1ebd v\u00e0o TS\u0110B. M\u1eb7c d\u00f9 l\u00e0m h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p nh\u01b0ng NH n\u00e0o c\u0169ng \u0111\u01b0a ra c\u00e1c \u0111i\u1ec1u ki\u1ec7n ki\u1ec3m so\u00e1t t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u1ea7m c\u1ed1, v\u00ec th\u1ebf c\u00e1c ch\u1ee7 n\u1ee3 h\u1ea7u nh\u01b0 \u0111\u1ec1u c\u00f3 quy\u1ec1n n\u1eafm gi\u1eef TS\u0110B kh\u00f3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n thanh l\u00fd \u0111\u1ec3 tr\u1ea3 cho m\u1ed9t ch\u1ee7 n\u1ee3 \u01b0u ti\u00ean n\u00e0o \u0111\u01b0\u1ee3c.<\/p>\n

\u0110\u1ed3ng t\u00ecnh quan \u0111i\u1ec3m kh\u00f3 b\u00e1n TS\u0110B, \u0111\u1ea1i di\u1ec7n Hi\u1ec7p h\u1ed9i NH Vi\u1ec7t Nam – b\u00e0 Tr\u1ea7n Th\u1ecb Kim Oanh cho r\u1eb1ng, ngay c\u1ea3 vi\u1ec7c thay th\u1ebf, trao \u0111\u1ed5i, t\u1eb7ng cho, cho thu\u00ea, cho m\u01b0\u1ee3n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u0169ng kh\u00f3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c, b\u1edfi n\u1ebfu m\u1ed9t t\u00e0i s\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111em th\u1ebf ch\u1ea5p ho\u1eb7c c\u1ea7m c\u1ed1 \u0111\u1ec3 vay v\u1ed1n th\u00ec kh\u00f4ng d\u1ec5 d\u00e0ng \u0111\u1ec3 thay b\u1eb1ng t\u00e0i s\u1ea3n kh\u00e1c. C\u00e1c b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p s\u1ebd kh\u00f4ng d\u1ec5 d\u00e0ng ch\u1ea5p nh\u1eadn t\u00e0i s\u1ea3n thay th\u1ebf v\u00ec kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n m\u1edbi, t\u00ednh thanh kho\u1ea3n c\u1ee7a t\u00e0i s\u1ea3n m\u1edbi c\u00f3 b\u1eb1ng t\u00e0i s\u1ea3n c\u0169 hay kh\u00f4ng.<\/p>\n

Th\u00eam v\u00e0o \u0111\u00f3, n\u1ebfu t\u00e0i s\u1ea3n \u0111ang th\u1ebf ch\u1ea5p m\u00e0 \u0111\u01b0\u1ee3c ph\u00e9p \u0111em cho, \u0111em t\u1eb7ng th\u00ec ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 d\u00f9 v\u1eabn c\u00f2n nh\u01b0ng kh\u00f4ng c\u00f2n TS\u0110B n\u1eefa n\u00ean ch\u1eafc ch\u1eafn c\u00e1c ch\u1ee7 n\u1ee3 kh\u00f4ng ch\u1ea5p nh\u1eadn c\u00e1c ph\u01b0\u01a1ng \u00e1n n\u00e0y. \u201cM\u1eb7c d\u00f9 c\u00e1ch th\u1ee9c ti\u1ebfp c\u1eadn theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf nh\u01b0 c\u00e1c chuy\u00ean gia trao \u0111\u1ed5i l\u00e0 kh\u00e1 m\u1edbi m\u1ebb. Tuy nhi\u00ean, \u0111\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c \u1edf Vi\u1ec7t Nam th\u00ec thi\u1ebfu kh\u1ea3 thi. V\u00ec hi\u1ec7n nay, m\u1ed9t trong nh\u1eefng nghi\u1ec7p v\u1ee5 r\u1ea5t quan tr\u1ecdng c\u1ee7a c\u00e1c NHTM l\u00e0 \u201cphong t\u1ecfa\u201d TS\u0110B tr\u01b0\u1edbc khi x\u1eed l\u00fd nh\u01b0ng d\u1ef1 lu\u1eadt ch\u01b0a c\u00f3 d\u00f2ng n\u00e0o n\u00f3i \u0111\u1ebfn vi\u1ec7c n\u00e0y\u201d – b\u00e0 Oanh n\u00f3i.<\/p>\n\n\n\n
Do nh\u1eefng b\u1ea5t c\u1eadp v\u1ec1 ph\u00e1p l\u00fd c\u0169ng nh\u01b0 kh\u00f3 kh\u0103n trong x\u1eed l\u00fd TS\u0110B n\u00ean l\u01b0\u1ee3ng h\u1ed3 s\u01a1 \u00e1n li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c NH c\u00f2n t\u1ed3n \u0111\u1ecdng r\u1ea5t l\u1edbn. T\u00ednh \u0111\u1ebfn th\u00e1ng 9\/2014, t\u1ed5ng s\u1ed1 vi\u1ec7c ph\u1ea3i thi h\u00e0nh cho c\u00e1c TCTD l\u00e0 13.571 vi\u1ec7c v\u00e0 m\u1edbi ch\u1ec9 gi\u1ea3i quy\u1ebft xong 713 vi\u1ec7c, chi\u1ebfm 5,25%. S\u1ed1 vi\u1ec7c \u0111ang trong giai \u0111o\u1ea1n gi\u1ea3i quy\u1ebft chi\u1ebfm 94,75% v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n c\u00f2n ph\u1ea3i thi h\u00e0nh l\u00e0 34.800 t\u1ef7 \u0111\u1ed3ng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Th\u1ea1ch B\u00ecnh<\/strong><\/p>\n

—————-<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u00ednh \u2013 Ti\u1ec1n t\u1ec7) 25-3-2015:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/vuong-du-duong-voi-quy-dinh-giao-dich-dam-bao.html<\/a><\/em><\/p>\n

(538\/1.477)<\/em>","protected":false},"excerpt":{"rendered":"

(NH) – M\u00e2u thu\u1eabn trong c\u00e1c lu\u1eadt khi\u1ebfn h\u00e0ng tr\u0103m ng\u00e0n t\u1ef7 \u0111\u1ed3ng c\u1ee7a NH c\u00f3 nguy c\u01a1 m\u1ea5t v\u1ed1n. Trong khi \u0111\u00f3, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o (TS\u0110B) \u0111\u01b0\u1ee3c cho l\u00e0 kh\u00f4ng kh\u1ea3 thi. Hi\u1ec7n nay B\u1ed9 T\u01b0 ph\u00e1p \u0111ang tri\u1ec3n khai l\u1ea5y \u00fd ki\u1ebfn v\u1ec1 d\u1ef1 th\u1ea3o B\u1ed9 […]<\/p>\n","protected":false},"author":3,"featured_media":31605,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n681. G\u00f3p \u00fd d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: V\u01b0\u1edbng \u0111\u1ee7 \u0111\u01b0\u1eddng v\u1edbi quy \u0111\u1ecbnh giao d\u1ecbch \u0111\u1ea3m b\u1ea3o - 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\/681-gop-y-du-thao-bo-luat-dan-su-vuong-du-duong-voi-quy-dinh-giao-dich-dam-bao\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]681. G\u00f3p \u00fd d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: V\u01b0\u1edbng \u0111\u1ee7 \u0111\u01b0\u1eddng v\u1edbi quy \u0111\u1ecbnh giao d\u1ecbch \u0111\u1ea3m b\u1ea3o[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(NH) – M\u00e2u thu\u1eabn trong c\u00e1c lu\u1eadt khi\u1ebfn h\u00e0ng tr\u0103m ng\u00e0n t\u1ef7 \u0111\u1ed3ng c\u1ee7a NH c\u00f3 nguy c\u01a1 m\u1ea5t v\u1ed1n. Trong khi \u0111\u00f3, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o (TS\u0110B) \u0111\u01b0\u1ee3c cho l\u00e0 kh\u00f4ng kh\u1ea3 thi. 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