{"id":32968,"date":"2013-07-09T19:17:21","date_gmt":"2013-07-09T12:17:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=32968"},"modified":"2022-07-20T19:31:30","modified_gmt":"2022-07-20T12:31:30","slug":"372-phap-luat-ve-ngan-hang-nhieu-quy-dinh-lam-bat-cap","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/372-phap-luat-ve-ngan-hang-nhieu-quy-dinh-lam-bat-cap\/","title":{"rendered":"372. Ph\u00e1p lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng: Nhi\u1ec1u quy \u0111\u1ecbnh, l\u1eafm b\u1ea5t c\u1eadp"},"content":{"rendered":"(\u0110TCK) – \u00a0M\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd hi\u1ec7n c\u00f2n nhi\u1ec1u ch\u1ed3ng ch\u00e9o, b\u1ea5t c\u1eadp lu\u00f4n c\u00f3 kh\u1ea3 n\u0103ng g\u00e2y ra nh\u1eefng r\u1ee7i ro kh\u00f3 l\u01b0\u1eddng cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/strong><\/p>\n

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\u0110\u00f3 l\u00e0 quan \u0111i\u1ec3m \u0111\u01b0\u1ee3c h\u1ea7u h\u1ebft \u00fd ki\u1ebfn \u0111\u1ed3ng t\u00ecnh t\u1ea1i cu\u1ed9c t\u1ecda \u0111\u00e0m v\u1ec1 \u201cV\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d v\u1eeba \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c.<\/p>\n

V\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn nhi\u1ec1u, nh\u01b0ng v\u1eabn thi\u1ebfu<\/strong><\/p>\n

Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng thu\u1ed9c Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0<\/em>\u0111\u1eb7t v\u1ea5n \u0111\u1ec1, hi\u1ec7n nay, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i tu\u00e2n th\u1ee7 qu\u00e1 nhi\u1ec1u quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u1ee7a c\u00e1c ng\u00e0nh kh\u00e1c, b\u1edfi nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn h\u1ea7u h\u1ebft c\u00e1c l\u0129nh v\u1ef1c, ng\u00e0nh ngh\u1ec1. Trong khi \u0111\u00f3, h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt c\u00f2n ch\u1ed3ng ch\u00e9o, m\u00e2u thu\u1eabn, ch\u1eadm \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3\u2026 Do \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n hi\u1ec3u r\u00f5 nh\u1eefng v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong th\u1ef1c ti\u1ec5n tri\u1ec3n khai, t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 ph\u00f2ng tr\u00e1nh r\u1ee7i ro v\u00e0 t\u00ecm gi\u1ea3i ph\u00e1p kh\u1eafc ph\u1ee5c, b\u1edfi vi\u1ec7c ki\u1ebfn ngh\u1ecb ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt t\u1ed1n r\u1ea5t nhi\u1ec1u th\u1eddi gian, trong khi ho\u1ea1t \u0111\u1ed9ng kinh doanh ph\u00e1t sinh h\u00e0ng ng\u00e0y. Trong \u0111\u00f3 c\u00f3 nh\u1eefng n\u1ed9i dung n\u1ea3y sinh nhi\u1ec1u v\u01b0\u1edbng m\u1eafc nh\u01b0 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, vi\u1ec7c \u0111\u1ea3o n\u1ee3, v\u1ea5n \u0111\u1ec1 b\u1ea3o l\u00e3nh, gi\u1edbi h\u1ea1n d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng, mua c\u1ed5 ph\u1ea7n c\u1ee7a ng\u00e2n h\u00e0ng kh\u00e1c\u2026 \u0110\u00e1ng ch\u00fa \u00fd, c\u00f3 t\u1edbi 30 v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea, trong khi \u0111\u00e2y l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ea3m b\u1ea3o ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 thu h\u1ed3i \u0111\u01b0\u1ee3c v\u1ed1n khi kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 n\u1ee3.<\/em><\/p>\n

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B\u00e0 L\u00ea Thu Hi\u1ec1n, Tr\u01b0\u1edfng ph\u00f2ng Ph\u00e1p ch\u1ebf Vietcombank n\u00f3i: \u201cKh\u00f3 kh\u0103n, b\u1ea5t c\u1eadp v\u1ec1 ph\u00e1p l\u00fd c\u00f3 r\u1ea5t nhi\u1ec1u, kh\u00f4ng bi\u1ebft b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u. Nh\u01b0ng v\u1ec1 c\u01a1 b\u1ea3n th\u00ec v\u01b0\u1edbng m\u1eafc nh\u1ea5t l\u00e0 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 v\u1ea5n \u0111\u1ec1 t\u1ed1 t\u1ee5ng\u201d. \u0110\u00e2y c\u0169ng l\u00e0 nh\u1eefng n\u1ed9i dung ghi nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u \u00fd ki\u1ebfn t\u1eeb \u0111\u1ea1i di\u1ec7n ph\u00e1p ch\u1ebf c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c nh\u01b0 B\u1eafc \u00c1 Bank, Agribank, Techcombank\u2026<\/p>\n

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Theo b\u00e0 Hi\u1ec1n, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m li\u00ean quan \u0111\u1ebfn nhi\u1ec1u ng\u00e0nh, nh\u01b0ng quy \u0111\u1ecbnh c\u1ee7a ng\u00e0nh n\u00e0y l\u1ea1i b\u1ecb quy \u0111\u1ecbnh c\u1ee7a ng\u00e0nh kh\u00e1c, c\u01a1 quan kh\u00e1c h\u1ea1n ch\u1ebf. Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m do B\u1ed9 T\u01b0 ph\u00e1p ch\u1ee7 tr\u00ec so\u1ea1n th\u1ea3o \u0111\u1ebfn nay v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c ban h\u00e0nh.<\/p>\n

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V\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, Ngh\u1ecb \u0111\u1ecbnh 71\/2010\/N\u0110-CP quy \u0111\u1ecbnh, v\u1ea5n \u0111\u1ec1 n\u00e0y giao Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc h\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n, nh\u01b0ng \u0111\u1ebfn nay, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eabn ch\u01b0a cho ra \u0111\u1eddi v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn. C\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng bi\u1ebft th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh n\u00e0o v\u00e0 v\u01b0\u1edbng m\u1eafc \u0111\u1ed1i v\u1edbi c\u1ea3 tr\u01b0\u1eddng h\u1ee3p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai ri\u00eang l\u1ebb v\u00e0 d\u1ef1 \u00e1n, t\u1ee9c l\u00e0 v\u01b0\u1edbng m\u1eafc c\u1ea3 v\u1edbi ch\u1ee7 nh\u00e0 v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n.<\/p>\n

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Ch\u01b0a k\u1ec3, quy \u0111\u1ecbnh v\u1ec1 h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, nh\u01b0ng th\u1ef1c t\u1ebf khi cho vay theo d\u1ef1 \u00e1n, ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u01b0\u1eddng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t m\u00e0 kh\u00f4ng sang t\u00ean v\u00e0 ch\u1edd \u0111\u1ebfn khi ng\u01b0\u1eddi mua c\u00f3 h\u1ee3p \u0111\u1ed3ng mua b\u00e1n th\u00ec tr\u1ef1c ti\u1ebfp sang t\u00ean cho ng\u01b0\u1eddi mua. Nh\u01b0 v\u1eady, khi cho vay d\u1ef1 \u00e1n, ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 \u0111\u1ee7 h\u1ed3 s\u01a1 \u0111\u1ec3 \u0111\u0103ng k\u00fd, nh\u01b0ng kh\u00f4ng nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 nh\u00e0 \u0111\u1ea5t h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n vay th\u00ec \u201cm\u1ea5t\u201d.<\/p>\n

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\u0110\u1ea1i di\u1ec7n V\u1ee5 Ph\u00e1p ch\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft, vi\u1ec7c so\u1ea1n th\u1ea3o v\u00e0 ban h\u00e0nh v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn n\u1ed9i dung n\u00eau tr\u00ean \u0111\u00e3 \u0111\u01b0\u1ee3c kh\u1edfi \u0111\u1ed9ng, s\u1ebd c\u1ed1 g\u1eafng ban h\u00e0nh s\u1edbm. D\u00f9 v\u1eady, h\u1ee9a h\u1eb9n n\u00e0y c\u0169ng kh\u00f4ng khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea5n kh\u1edfi, b\u1edfi vi\u1ec7c so\u1ea1n th\u1ea3o \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1eb7t ra c\u00e1ch \u0111\u00e2y 3 n\u0103m. Tr\u01b0\u1edbc nh\u1eefng kh\u00f3 kh\u0103n trong x\u00e2y d\u1ef1ng v\u0103n b\u1ea3n n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 tr\u00ecnh Ch\u00ednh ph\u1ee7 chuy\u1ec3n th\u00e0nh Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch v\u1edbi B\u1ed9 X\u00e2y d\u1ef1ng.<\/p>\n

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Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn x\u00e9t: \u201cR\u1ea5t nhi\u1ec1u quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt cho ph\u00e9p ng\u00e2n h\u00e0ng nh\u1eadn t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, nh\u01b0ng th\u1ef1c t\u1ebf c\u00f3 nh\u1eadn \u0111\u01b0\u1ee3c hay kh\u00f4ng c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c m\u1eabu bi\u1ec3u, c\u00e1c th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3. T\u00f9 m\u00f9 nh\u1ea5t v\u1ec1 \u0111\u1ea5t \u0111ai l\u00e0 kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 tr\u01b0\u1eddng h\u1ee3p n\u00e0o \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng. V\u00ed d\u1ee5, \u0111\u1ea5t Nh\u00e0 n\u01b0\u1edbc giao nh\u01b0ng mi\u1ec5n thu ti\u1ec1n s\u1eed d\u1ee5ng th\u00ec c\u00f3 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p hay kh\u00f4ng? Kh\u00f4ng c\u00f3 v\u0103n b\u1ea3n n\u00e0o quy \u0111\u1ecbnh v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y\u201d.<\/em><\/p>\n

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\u201cC\u1ee9 theo c\u00f4ng v\u0103n m\u00e0 l\u00e0m\u201d<\/strong><\/p>\n

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Ti\u1ebfp t\u1ee5c chia s\u1ebb v\u1ec1 nh\u1eefng v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd, \u0111\u1ea1i di\u1ec7n Techcombank n\u00eau v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1ed5 ti\u1ebft ki\u1ec7m. V\u1ecb \u0111\u1ea1i di\u1ec7n n\u00e0y cho bi\u1ebft, c\u00f3 tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng m\u1edf s\u1ed5 ti\u1ebft ki\u1ec7m v\u00e0 \u1ee7y quy\u1ec1n cho ng\u01b0\u1eddi ch\u00e1u r\u00fat ti\u1ec1n. M\u1ed9t th\u1eddi gian sau, gia \u0111\u00ecnh kh\u00e1ch h\u00e0ng \u0111\u1ebfn ng\u00e2n h\u00e0ng v\u00e0 y\u00eau c\u1ea7u r\u00fat ti\u1ec1n do ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u00e3 m\u1ea5t (nh\u01b0ng kh\u00f4ng \u0111\u01b0a ra gi\u1ea5y b\u00e1o t\u1eed). Sau \u0111\u00f3, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n \u0111\u1ebfn ng\u00e2n h\u00e0ng v\u00e0 y\u00eau c\u1ea7u r\u00fat ti\u1ec1n. V\u1eady trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u00e2n h\u00e0ng n\u00ean \u1ee9ng x\u1eed th\u1ebf n\u00e0o khi m\u00e0 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh, v\u0103n b\u1ea3n n\u00e0o h\u01b0\u1edbng d\u1eabn \u0111\u1ed1i v\u1edbi vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 m\u1ea5t. Th\u1ef1c t\u1ebf hi\u1ec7n nay, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u t\u00ecm c\u00e1ch \u201cv\u1eadn d\u1ee5ng\u201d lu\u1eadt v\u00e0 kh\u00f4ng ph\u1ea3i c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u \u1ee9ng x\u1eed nh\u01b0 nhau.<\/p>\n

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C\u00f3 ng\u00e2n h\u00e0ng l\u1ef1a ch\u1ecdn gi\u1ea3i ph\u00e1p l\u00e0 giao t\u00e0i s\u1ea3n \u0111\u00f3 cho ng\u01b0\u1eddi th\u00e2n nh\u01b0 v\u1ee3\/ch\u1ed3ng, cha\/m\u1eb9\u2026 c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 y\u00eau c\u1ea7u h\u1ecd l\u00e0m v\u0103n b\u1ea3n cam \u0111oan \u0111\u00e3 nh\u1eadn t\u00e0i s\u1ea3n, ch\u1ecbu tr\u00e1ch nhi\u1ec7m n\u1ebfu c\u00f3 ph\u00e1t sinh tranh ch\u1ea5p th\u1eeba k\u1ebf. Tr\u00e1ch nhi\u1ec7m ng\u00e2n h\u00e0ng coi nh\u01b0 h\u1ebft. Tuy nhi\u00ean, c\u00f3 tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng ch\u1ec9 tr\u1ea3 m\u1ed9t ph\u1ea7n t\u00e0i s\u1ea3n cho ng\u01b0\u1eddi th\u1eeba k\u1ebf v\u00e0 gi\u1eef ph\u1ea7n c\u00f2n l\u1ea1i, ph\u00f2ng khi nh\u1eefng ng\u01b0\u1eddi th\u1eeba k\u1ebf kh\u00e1c \u0111\u1ebfn \u0111\u00f2i. Nh\u00ecn chung, r\u1ea5t c\u1ea7n c\u00f3 s\u1ef1 h\u01b0\u1edbng d\u1eabn chung \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng an to\u00e0n, tr\u00e1nh tranh ch\u1ea5p kh\u00f4ng \u0111\u00e1ng c\u00f3.<\/p>\n

T\u1ea1i bu\u1ed5i t\u1ecda \u0111\u00e0m, \u0111\u1ea1i di\u1ec7n c\u00e1c ng\u00e2n h\u00e0ng c\u00f2n n\u00eau c\u00e1c v\u01b0\u1edbng m\u1eafc li\u00ean quan \u0111\u1ebfn h\u1ed9 gia \u0111\u00ecnh, \u0111\u1ebfn m\u1ed9t t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m cho nhi\u1ec1u ngh\u0129a v\u1ee5 kh\u00e1c nhau, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u1edf n\u01b0\u1edbc ngo\u00e0i, b\u1ea3o l\u00e3nh\u2026 Trong nhi\u1ec1u l\u0129nh v\u1ef1c, nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng, do kh\u00f4ng c\u00f3 v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt d\u1eabn chi\u1ebfu n\u00ean c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e0nh ph\u1ea3i xin c\u00f4ng v\u0103n h\u01b0\u1edbng d\u1eabn t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

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\u0110\u00e1ng ch\u00fa \u00fd, m\u1ed9t kh\u00f3 kh\u0103n l\u1edbn v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u1ed1 t\u1ee5ng trong qu\u00e1 tr\u00ecnh thu h\u1ed3i n\u1ee3. Chia s\u1ebb c\u1ee7a \u0111\u1ea1i di\u1ec7n m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh cho th\u1ea5y, tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng tr\u1ed1n \u0111i n\u01a1i kh\u00e1c, gi\u1ea5u \u0111\u1ecba ch\u1ec9 \u0111\u1ec3 ng\u00e2n h\u00e0ng kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3, th\u00ec vi\u1ec7c kh\u1edfi ki\u1ec7n l\u00e0 v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n. C\u00f4ng ty n\u00e0y sau 11 th\u00e1ng n\u1ed9p \u0111\u01a1n m\u1edbi \u0111\u01b0\u1ee3c t\u00f2a \u00e1n th\u1ee5 l\u00fd. L\u00fd do l\u00e0 t\u00f2a \u00e1n y\u00eau c\u1ea7u s\u1eeda \u0111\u1ed5i \u0111\u01a1n kh\u1edfi ki\u1ec7n, do kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u1ecba \u0111i\u1ec3m b\u1ecb \u0111\u01a1n c\u01b0 tr\u00fa. C\u00f4ng ty \u0111\u00e3 ph\u1ea3i \u201cb\u00f4n ba\u201d \u0111\u1ec3 xin x\u00e1c nh\u1eadn c\u1ee7a c\u00f4ng an \u0111\u1ecba ph\u01b0\u01a1ng, nh\u01b0ng xin kh\u00f4ng \u0111\u01b0\u1ee3c n\u00ean \u0111\u00e0nh chuy\u1ec3n sang xin x\u00e1c nh\u1eadn c\u1ee7a t\u1ed5 tr\u01b0\u1edfng t\u1ed5 d\u00e2n ph\u1ed1 r\u1ed3i ra ph\u01b0\u1eddng x\u00e1c nh\u1eadn l\u1ea1i. Tuy nhi\u00ean, t\u00f2a \u00e1n ch\u1ec9 ch\u1ea5p nh\u1eadn x\u00e1c nh\u1eadn c\u1ee7a c\u01a1 quan c\u00f4ng an, khi\u1ebfn v\u1ee5 vi\u1ec7c b\u1ebf t\u1eafc k\u00e9o d\u00e0i.<\/p>\n

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Lu\u1eadt s\u01b0 Nguy\u1ec5n Th\u1ecb Ph\u01b0\u01a1ng, Ph\u00f3 gi\u00e1m \u0111\u1ed1c Ban Ph\u00e1p ch\u1ebf BIDV nh\u1eadn x\u00e9t, vi\u1ec7c chuy\u1ec3n th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p trong l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng v\u1ec1 t\u00f2a \u00e1n c\u1ea5p huy\u1ec7n \u0111ang g\u00e2y kh\u00f3 kh\u0103n cho ng\u00e2n h\u00e0ng do ti\u1ebfn \u0111\u1ed9 ch\u1eadm, th\u1ea9m ph\u00e1n thi\u1ebfu kinh nghi\u1ec7m\u2026<\/p>\n

 <\/p>\n

B\u00f9i Trang\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><\/p>\n

Hi\u1ec7n ch\u01b0a c\u00f3 h\u01b0\u1edbng d\u1eabn v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai<\/p>\n

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

\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n 09-7-2013:<\/em><\/strong><\/p>\n

http:\/\/tinnhanhchungkhoan.vn\/GL\/N\/DJFHAD\/phap-luat-ve-ngan-hang:-nhieu-quy-dinh-lam-bat-cap.html<\/em><\/a><\/p>\n

(412\/1.388)","protected":false},"excerpt":{"rendered":"

(\u0110TCK) – \u00a0M\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd hi\u1ec7n c\u00f2n nhi\u1ec1u ch\u1ed3ng ch\u00e9o, b\u1ea5t c\u1eadp lu\u00f4n c\u00f3 kh\u1ea3 n\u0103ng g\u00e2y ra nh\u1eefng r\u1ee7i ro kh\u00f3 l\u01b0\u1eddng cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u0110\u00f3 l\u00e0 quan \u0111i\u1ec3m \u0111\u01b0\u1ee3c h\u1ea7u h\u1ebft \u00fd ki\u1ebfn \u0111\u1ed3ng t\u00ecnh t\u1ea1i cu\u1ed9c t\u1ecda \u0111\u00e0m v\u1ec1 \u201cV\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c […]<\/p>\n","protected":false},"author":3,"featured_media":32969,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-32968","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n372. 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