{"id":34827,"date":"2022-11-17T20:08:49","date_gmt":"2022-11-17T13:08:49","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=34827"},"modified":"2024-12-23T10:25:57","modified_gmt":"2024-12-23T03:25:57","slug":"3-912-than-trong-khi-mua-trai-phieu-doanh-nghiep-bao-hiem-tu-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-912-than-trong-khi-mua-trai-phieu-doanh-nghiep-bao-hiem-tu-ngan-hang\/","title":{"rendered":"3.912. Th\u1eadn tr\u1ecdng khi mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, b\u1ea3o hi\u1ec3m t\u1eeb ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Th\u1eadn tr\u1ecdng khi mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, b\u1ea3o hi\u1ec3m t\u1eeb ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(VOV2) – Ng\u00e2n h\u00e0ng l\u00e0 n\u01a1i c\u00f3 th\u1ec3 cung c\u1ea5p nh\u1eefng s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh v\u00ec th\u1ebf nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n cho r\u1eb1ng mua tr\u00e1i phi\u1ebfu, b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o h\u01a1n so v\u1edbi mua t\u1eeb c\u00e1c doanh nghi\u1ec7p. \u0110i\u1ec1u n\u00e0y c\u00f3 \u0111\u00fang hay kh\u00f4ng?<\/h5>\n

\u0110\u1ec3 gi\u00fap c\u00e1c b\u1ea1n t\u00ecm hi\u1ec3u k\u1ef9 h\u01a1n v\u1ea5n \u0111\u1ec1 n\u00e0y, ph\u00f3ng vi\u00ean \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>\u00a0\u2013 ng\u01b0\u1eddi \u0111\u00e3 c\u00f3 h\u01a1n 35 n\u0103m kinh nghi\u1ec7m lu\u1eadt s\u01b0 chuy\u00ean nghi\u1ec7p trong l\u0129nh v\u1ef1c doanh nghi\u1ec7p, t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m.<\/p>\n

\"Th\u1eadn

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\u00a0– Chuy\u00ean gia trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng<\/p><\/div>\n

Ph\u00f3ng vi\u00ean: <\/strong>Th\u01b0a lu\u1eadt s\u01b0, hi\u1ec7n nay ph\u00e1p lu\u1eadt n\u01b0\u1edbc ta c\u00f3 quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft v\u1edbi doanh nghi\u1ec7p nh\u01b0 tr\u00e1i phi\u1ebfu v\u00e0 b\u1ea3o hi\u1ec3m?<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/strong>\u00a0Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng th\u00ec c\u00f3 quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3, r\u1ea5t r\u00f5 r\u00e0ng vi\u1ec7c ng\u00e2n h\u00e0ng l\u00e0 \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p th\u00ec s\u1ebd ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u1edbi 3 nghi\u1ec7p v\u1ee5 \u0111\u1eb7c tr\u01b0ng: huy \u0111\u1ed9ng v\u1ed1n, c\u1ea5p t\u00edn d\u1ee5ng, thanh to\u00e1n qua t\u00e0i kho\u1ea3n. Ngo\u00e0i ra th\u00ec ng\u00e2n h\u00e0ng s\u1ebd th\u1ef1c hi\u1ec7n m\u1ed9t lo\u1ea1t nh\u1eefng ho\u1ea1t \u0111\u1ed9ng li\u00ean quan tr\u1ef1c ti\u1ebfp ho\u1eb7c gi\u00e1n ti\u1ebfp \u0111\u1ebfn l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng khi \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho ph\u00e9p (c\u00f3 quy \u0111\u1ecbnh ho\u1eb7c c\u1ea5p ph\u00e9p ho\u1eb7c ch\u1ea5p thu\u1eadn m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3). Tr\u00ean th\u1ef1c t\u1ebf l\u00e0 ngo\u00e0i nh\u1eefng ho\u1ea1t \u0111\u1ed9ng ch\u00ednh c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 cho vay r\u1ed3i h\u1ea1ch to\u00e1n, l\u00e0m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng th\u00ec ng\u00e2n h\u00e0ng c\u00f2n l\u00e0m nhi\u1ec1u s\u1ea3n ph\u1ea9m kh\u00e1c nh\u01b0 l\u00e0 b\u00e1n b\u1ea3o hi\u1ec3m hay l\u00e0 b\u00e1n tr\u00e1i phi\u1ebfu, t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh, gi\u1edbi thi\u1ec7u kh\u00e1ch h\u00e0ng\u2026 V\u1ec1 c\u01a1 b\u1ea3n l\u00e0 \u0111\u1ec1u ph\u1ea3i c\u00f3 s\u1ef1 cho ph\u00e9p c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc hay l\u00e0 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong \u0111\u0103ng k\u00fd kinh doanh hay l\u00e0 trong \u0111i\u1ec1u l\u1ec7.<\/p>\n

Ph\u00f3ng vi\u00ean:\u00a0<\/strong>B\u1ed9 T\u00e0i ch\u00ednh\u00a0\u0111\u00e3 t\u1eebng c\u00f3 khuy\u1ebfn c\u00e1o \u0111\u1ebfn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd, c\u1ea9n tr\u1ecdng khi mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p qua c\u00e1c t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 nh\u01b0 c\u00f4ng ty ch\u1ee9ng kho\u00e1n hay ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Lu\u1eadt s\u01b0 \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 khuy\u1ebfn c\u00e1o n\u00e0y? Li\u1ec7u khuy\u1ebfn c\u00e1o n\u00e0y c\u00f3 ph\u1ea3i l\u00e0 c\u1ea7n thi\u1ebft?<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>: <\/strong>T\u00f4i ngh\u0129 r\u1eb1ng l\u00e0 khuy\u1ebfn c\u00e1o \u0111\u1ea5y v\u1eeba c\u1ea7n thi\u1ebft v\u1eeba kh\u00f4ng c\u1ea7n thi\u1ebft. B\u1ea3n th\u00e2n tr\u00e1i phi\u1ebfu c\u00f3 r\u1ee7i ro \u1edf m\u1ee9c \u0111\u1ed9 kh\u00e1c nhau, ch\u1eafc ch\u1eafn l\u00e0 r\u1ee7i ro h\u01a1n ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7. Doanh nghi\u1ec7p tr\u1ef1c ti\u1ebfp b\u00e1n ra, hay l\u00e0 ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c, \u0111\u1ea1i l\u00fd, c\u00f4ng ty ch\u1ee9ng kho\u00e1n b\u1ea5t k\u1ef3 n\u00e0o b\u00e1n ra\u2026 kh\u00f4ng kh\u00e1c nhau v\u1ec1 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro. V\u1ea5n \u0111\u1ec1 \u1edf ch\u1ed7 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u00e2m l\u00fd c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0. N\u1ebfu l\u00e0 doanh nghi\u1ec7p tr\u1ef1c ti\u1ebfp b\u00e1n ra, nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng hi\u1ec3u l\u1eafm, kh\u00f4ng tin l\u1eafm, kh\u00f4ng c\u00f3 c\u0103n c\u1ee9. Nh\u01b0ng n\u1ebfu m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u1ee9ng ra b\u00e1n th\u00ec r\u1ea5t d\u1ec5 l\u00e0 b\u1eb1ng c\u1ea3m nh\u1eadn v\u00f4 t\u00ecnh ho\u1eb7c \u0111\u1eb7c bi\u1ec7t trong tr\u01b0\u1eddng h\u1ee3p c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng n\u00f3i th\u00f4ng tin kh\u00f4ng ch\u00ednh x\u00e1c, \u0111\u00e2y l\u00e0 tr\u00e1i phi\u1ebfu ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh, ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ea9m \u0111\u1ecbnh, b\u1ea3o \u0111\u1ea3m; mua tr\u00e1i phi\u1ebfu th\u00ec an to\u00e0n c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng…,\u1ebfu ng\u01b0\u1eddi m\u00e0 kh\u00f4ng th\u00f4ng th\u1ea1o, kh\u00f4ng hi\u1ec3u bi\u1ebft r\u1ea5t d\u1ec5 nh\u1ea7m l\u1eabn. Ch\u1eb3ng h\u1ea1n nh\u01b0 ng\u01b0\u1eddi ta n\u00f3i ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh th\u1ef1c ra ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 t\u00fd gi\u00e1 tr\u1ecb g\u00ec c\u1ea3. \u0110\u00fang l\u00e0 ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh nh\u01b0ng l\u1ea1i b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu, t\u1ee9c l\u00e0 h\u1ecd b\u00e1n xong l\u00e0 xong, h\u1ebft tr\u00e1ch nhi\u1ec7m, ch\u1ee9 kh\u00f4ng b\u1ea3o l\u00e3nh thanh to\u00e1n. C\u00f2n ng\u01b0\u1eddi mua r\u1ee7i ro hay kh\u00f4ng, \u0111\u01b0\u1ee3c thanh to\u00e1n hay kh\u00f4ng ph\u1ea3i c\u0103n c\u1ee9 b\u1ea3o l\u00e3nh thanh to\u00e1n, ch\u1ee9 b\u1ea3o l\u00e3nh kia l\u00e0 b\u1ea3o l\u00e3nh vi\u1ec7c b\u00e1n h\u1ebft h\u00e0ng cho doanh nghi\u1ec7p th\u00f4i.<\/p>\n

Ph\u00f3ng vi\u00ean:\u00a0<\/strong>V\u00e2ng, b\u1ea3n th\u00e2n t\u00f4i khi nghe n\u00f3i ng\u00e2n h\u00e0ng m\u00e0 t\u00f4i \u0111ang s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 c\u00f3 b\u00e1n nh\u1eefng s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd hay an sinh x\u00e3 h\u1ed9i th\u00ec t\u00f4i th\u1ef1c s\u1ef1 t\u00f4i th\u1ea5y an t\u00e2m h\u01a1n l\u00e0 nh\u1eefng s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c ch\u00e0o b\u00e1n qua c\u00e1c nh\u00e2n vi\u00ean b\u00e1n b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c h\u00e3ng. M\u1eb7c d\u00f9 \u0111\u00f3 c\u0169ng l\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m m\u00e0 t\u00f4i \u0111\u00e3 t\u1eebng t\u1eeb ch\u1ed1i. Th\u1ebf nh\u01b0ng vi\u1ec7c mua b\u1ea3o hi\u1ec3m, mua tr\u00e1i phi\u1ebfu t\u1eeb ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 ch\u00fang ta \u0111ang cho ng\u00e2n h\u00e0ng vay ti\u1ec1n m\u00e0 l\u00e0 cho doanh nghi\u1ec7p vay ti\u1ec1n, ph\u1ea3i kh\u00f4ng th\u01b0a lu\u1eadt s\u01b0?<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>: <\/strong>N\u1ebfu nh\u01b0 m\u00e0 vay ti\u1ec1n th\u00ec ng\u00e2n h\u00e0ng s\u1ebd nh\u1eadn ti\u1ec1n g\u1eedi, b\u00e1n tr\u00e1i phi\u1ebfu c\u1ee7a ng\u00e2n h\u00e0ng, k\u1ef3 phi\u1ebfu hay t\u00edn phi\u1ebfu\u2026 r\u1ea5t nhi\u1ec1u h\u00ecnh th\u1ee9c m\u00e0 ng\u00e2n h\u00e0ng huy \u0111\u1ed9ng. Khi \u0111\u00f3, quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m. Khi ng\u00e2n h\u00e0ng kh\u00f4ng thanh to\u00e1n \u0111\u01b0\u1ee3c, ho\u1eb7c th\u1ef1c s\u1ef1 ph\u00e1 s\u1ea3n, b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi l\u00e0 c\u01a1 quan c\u1ee7a Nh\u00e0 n\u01b0\u1edbc s\u1ebd chi tr\u1ea3 t\u1ed1i thi\u1ec3u cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n l\u00e0 125.000.000. C\u00f2n nhi\u1ec1u h\u01a1n th\u00ec ph\u1ee5 thu\u1ed9c v\u00e0o kh\u1ea3 n\u0103ng thu h\u1ed3i, kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh kh\u1eafc ph\u1ee5c c\u1ee7a Ng\u00e2n h\u00e0ng. \u0110\u1ed1i v\u1edbi doanh nghi\u1ec7p th\u00ec kh\u00f4ng c\u00f3 m\u1ed9t c\u01a1 ch\u1ebf n\u00e0o \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c thanh to\u00e1n, b\u1ea3o \u0111\u1ea3m an to\u00e0n. N\u1ebfu m\u00e0 l\u00e0m \u0103n t\u1ed1t, duy tr\u00ec \u0111\u01b0\u1ee3c th\u00ec ng\u01b0\u1eddi ta s\u1ebd tr\u1ea3 \u0111\u1ee7 g\u1ed1c v\u00e0 l\u00e3i. Nh\u01b0ng n\u1ebfu nh\u01b0 m\u00e0 h\u1ecd kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, h\u1ecd b\u1ecb ph\u00e1 s\u1ea3n th\u00ec h\u1ecd s\u1ebd kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m g\u00ec c\u1ea3 v\u00ec tr\u00e1ch nhi\u1ec7m c\u1ee7a doanh nghi\u1ec7p l\u00e0 tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n (ch\u1ec9 ch\u1ecbu tr\u00e1ch nhi\u1ec7m trong s\u1ed1 v\u1ed1n m\u00e0 c\u1ed5 \u0111\u00f4ng hay c\u00e1c th\u00e0nh vi\u00ean c\u00f4ng ty tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n g\u00f3p v\u00e0o). Doanh nghi\u1ec7p b\u1ecb thua l\u1ed7 th\u00ec ch\u1ee7 n\u1ee3, ti\u1ec1n l\u01b0\u01a1ng, ti\u1ec1n thu\u1ebf\u2026 c\u00f3 nguy c\u01a1 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c.<\/p>\n

Ph\u00f3ng vi\u00ean:\u00a0<\/strong>\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 th\u00e1i \u0111\u1ed9 l\u1eadp l\u1edd, khi\u1ebfn kh\u00e1ch h\u00e0ng cho r\u1eb1ng vi\u1ec7c mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p c\u0169ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c g\u1eedi ti\u1ebft ki\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec c\u00f3 ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t g\u00ec hay kh\u00f4ng? Ng\u00e2n h\u00e0ng c\u00f3 ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m khi kh\u00e1ch h\u00e0ng m\u1ea5t ti\u1ec1n v\u00ec mua tr\u00e1i phi\u1ebfu m\u00e0 ng\u00e2n h\u00e0ng b\u00e1n ra?<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/strong> Doanh nghi\u1ec7p s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m ch\u00ednh. Ng\u01b0\u1eddi b\u00e1n h\u00e0ng ch\u1ec9 ch\u1ecbu t\u00e1c \u0111\u1ed9ng ph\u1ea7n n\u00e0o th\u00f4i. Trong lu\u1eadt ph\u00e1p d\u00e2n s\u1ef1 n\u00f3i chung, kinh doanh n\u00f3i ri\u00eang th\u00ec nh\u1eefng ng\u01b0\u1eddi m\u00f4i gi\u1edbi, c\u00e1c b\u00ean trung gian\u2026 ph\u1ea3i c\u00f3 nguy\u00ean t\u1eafc l\u00e0 cung c\u1ea5p th\u00f4ng tin trung th\u1ef1c, ch\u00ednh x\u00e1c, kh\u00f4ng \u0111\u01b0\u1ee3c l\u1eeba d\u1ed1i, kh\u00f4ng \u0111\u01b0\u1ee3c g\u00e2y nh\u1ea7m l\u1eabn, m\u1eadp m\u1edd \u0111\u1ec3 g\u00e2y thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi kh\u00e1c. V\u1ec1 nguy\u00ean t\u1eafc n\u1ebfu v\u00ec sai tr\u00e1i nh\u01b0 th\u1ebf m\u00e0 kh\u00e1ch h\u00e0ng giao d\u1ecbch th\u00ec ng\u01b0\u1eddi m\u00f4i gi\u1edbi, c\u00e1c b\u00ean trung gian c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m, b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u00ec l\u1ed7i c\u1ee7a m\u00ecnh. Th\u1ebf nh\u01b0ng \u0111i\u1ec1u \u0111\u00f3 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng quan h\u1ec7 v\u00e0 t\u1eebng b\u1eb1ng ch\u1ee9ng. Ng\u01b0\u1eddi b\u00e1n ch\u1ec9 th\u00fac \u0111\u1ea9y, ch\u1ec9 n\u00f3i r\u1eb1ng doanh nghi\u1ec7p t\u1ed1t theo c\u1ea3m nh\u1eadn c\u1ee7a ng\u01b0\u1eddi ta (l\u00fac \u0111\u1ea5y c\u00f3 th\u1ec3 n\u00f3 t\u1ed1t th\u1eadt ch\u1ee9 ng\u01b0\u1eddi ta kh\u00f4ng n\u00f3i sai ho\u1eb7c l\u00e0 ng\u01b0\u1eddi ta c\u1ed1 t\u00ecnh). Th\u1ee9 hai, quan tr\u1ecdng l\u00e0 l\u00e0m sao ch\u1ee9ng minh, c\u00f3 b\u1eb1ng ch\u1ee9ng c\u01a1 s\u1edf n\u00f3i r\u1eb1ng l\u00fac \u0111\u1ea5y nh\u1eefng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o l\u00e0 c\u1ee9 mua \u0111i, ng\u00e2n h\u00e0ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m hay l\u00e0 n\u00f3 t\u1ed1t l\u1eafm, y\u00ean t\u00e2m tuy\u1ec7t \u0111\u1ed1i? L\u1eddi n\u00f3i gi\u00f3 bay. Kh\u00f3 quy tr\u00e1ch nhi\u1ec7m ch\u1ed7 \u0111\u1ea5y.<\/p>\n

Ph\u00f3ng vi\u00ean:\u00a0<\/strong>Nh\u01b0 lu\u1eadt s\u01b0 v\u1eeba n\u00f3i th\u00ec hi\u1ec7n gi\u1edd ch\u00fang ta v\u1eabn ch\u01b0a c\u00f3 vi\u1ec7c quy k\u1ebft tr\u00e1ch nhi\u1ec7m cho nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 th\u00e1i \u0111\u1ed9 l\u1eadp l\u1edd, khi\u1ebfn kh\u00e1ch h\u00e0ng g\u1eb7p r\u1ee7i ro khi mua tr\u00e1i phi\u1ebfu do h\u1ecd b\u00e1n ra. V\u1eady theo lu\u1eadt s\u01b0, trong t\u01b0\u01a1ng lai, ch\u00fang ta n\u00ean c\u00f3 nh\u1eefng ch\u1ebf t\u00e0i th\u1ebf n\u00e0o \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro cho kh\u00e1ch h\u00e0ng khi mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p qua ng\u00e2n h\u00e0ng?<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>: <\/strong>B\u1eb1ng m\u1ecdi c\u00e1ch th\u1ee9c th\u00ec Nh\u00e0 n\u01b0\u1edbc, c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng v\u00e0 b\u1ea3n th\u00e2n c\u00e1c doanh nghi\u1ec7p, nh\u1eefng ng\u01b0\u1eddi tham gia giao d\u1ecbch ph\u1ea3i truy\u1ec1n \u0111\u1ea1t th\u00f4ng \u0111i\u1ec7p \u0111\u1ebfn nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00fang v\u1edbi b\u1ea3n ch\u1ea5t c\u1ee7a s\u1ef1 vi\u1ec7c, r\u1ee7i ro c\u1ee7a lo\u1ea1i h\u00ecnh s\u1ea3n ph\u1ea9m tr\u00e1i phi\u1ebfu, th\u00f4ng tin ch\u00ednh x\u00e1c c\u1ee7a doanh nghi\u1ec7p. Hai l\u00e0 c\u1ea7n ph\u1ea3i n\u00f3i r\u00f5 h\u01a1n v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c kh\u00e2u li\u00ean quan (t\u1eeb t\u01b0 v\u1ea5n ph\u00e1t h\u00e0nh, m\u00f4i gi\u1edbi \u0111\u1ebfn \u0111\u1ea1i l\u00fd, b\u1ea3o l\u00e3nh\u2026) tr\u00e1ch nhi\u1ec7m \u0111\u1ebfn \u0111\u00e2u, \u0111\u01b0\u1ee3c l\u00e0m g\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m g\u00ec (\u00edt nh\u1ea5t b\u1eb1ng v\u0103n b\u1ea3n \u0111\u00e3). C\u00f2n th\u1ef1c t\u1ebf th\u00ec ph\u1ea3i t\u0103ng c\u01b0\u1eddng vi\u1ec7c \u0111\u1ed1c th\u00fac ki\u1ec3m tra, \u0111\u00f4n \u0111\u1ed1c gi\u00e1m s\u00e1t, trong \u0111\u00f3 l\u00e0 m\u1ed9t k\u00eanh r\u1ea5t quan tr\u1ecdng l\u00e0 ch\u00ednh ng\u01b0\u1eddi mua h\u00e0ng, ch\u00ednh nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd ph\u1ea3n \u00e1nh c\u01a1 quan ch\u1ee9c n\u0103ng r\u1eb1ng h\u1ecd \u0111\u01b0\u1ee3c th\u00f4ng tin nh\u01b0 th\u1ebf n\u00e0y, \u0111\u00fang hay sai\u2026 T\u1eeb \u0111\u1ea5y m\u1edbi c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 quy tr\u00e1ch nhi\u1ec7m cho t\u1eebng con ng\u01b0\u1eddi hay ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c \u0111\u00e3 b\u00e1n nh\u01b0 v\u1eady. C\u00f2n tr\u01b0\u1edbc m\u1eaft, k\u1ec3 c\u1ea3 l\u00e2u d\u00e0i, th\u00ec c\u00f3 l\u1ebd \u0111\u1ea5y l\u00e0 c\u00e2u chuy\u1ec7n c\u1ee7a th\u1ecb tr\u01b0\u1eddng quy\u1ec1n l\u1ef1c c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 th\u1ef1c ra c\u0169ng l\u00e0 m\u1ed9t d\u1ea1ng ti\u00eau d\u00f9ng. H\u1ecd s\u1ebd ph\u1ea3i ph\u1ea3n \u1ee9ng v\u1edbi nh\u1eefng c\u00e1i m\u1ea5t t\u00edn nhi\u1ec7m, nh\u1eefng c\u00e1i sai tr\u00e1i. N\u1ebfu nh\u01b0 m\u00e0 h\u1ecd c\u1ea3m th\u1ea5y kh\u00f4ng \u0111\u01b0\u1ee3c cung c\u1ea5p th\u00f4ng tin \u0111\u00fang, kh\u00f4ng c\u00f3 uy t\u00edn, kh\u00f4ng tin c\u1eady th\u00ec h\u1ecd s\u1ebd kh\u00f4ng ch\u1ea5p nh\u1eadn \u0111\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 sau n\u00e0y n\u1eefa, kh\u00f4ng giao d\u1ecbch, kh\u00f4ng \u1ee7ng h\u1ed9 nh\u1eefng doanh nghi\u1ec7p. C\u00f3 l\u1ebd \u0111\u1ea5y l\u00e0 c\u00e1ch ph\u1ea3n \u1ee9ng v\u1edbi th\u1ecb tr\u01b0\u1eddng c\u00f3 gi\u00e1 tr\u1ecb nh\u1ea5t. Ch\u1ee9 ph\u00e1p lu\u1eadt th\u00ec n\u00f3i th\u1eadt l\u00e0 r\u1ea5t kh\u00f3 m\u00e0 bao qu\u00e1t, chi ti\u1ebft, \u0111i v\u00e0o h\u1ebft ng\u00f3c ng\u00e1ch, gi\u1ea3i quy\u1ebft h\u1ebft m\u1ecdi v\u1ea5n \u0111\u1ec1, \u0111\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c ki\u1ec3m tra, x\u1eed l\u00fd, x\u1eed ph\u1ea1t \u0111\u01b0\u1ee3c.<\/p>\n

Ph\u00f3ng vi\u00ean:\u00a0<\/strong>Xin c\u1ea3m \u01a1n lu\u1eadt s\u01b0.<\/p>\n

M\u1eddi qu\u00fd v\u1ecb v\u00e0 c\u00e1c b\u1ea1n nghe to\u00e0n b\u1ed9 ph\u1ea7n trao \u0111\u1ed5i c\u1ee7a ph\u00f3ng vi\u00ean v\u1edbi Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>\u00a0t\u1ea1i \u0111\u00e2y:<\/em><\/h5>\n

Vi\u1ec7t<\/strong> Anh<\/strong><\/p>\n

————<\/em><\/p>\n

VOV<\/em><\/strong>2 (Ph\u00e1p lu\u1eadt) 17-11-2022:<\/em><\/strong><\/p>\n

https:\/\/vov2.vov.vn\/phap-luat\/than-trong-khi-mua-trai-phieu-doanh-nghiep-bao-hiem-tu-ngan-hang-38742.vov2<\/a><\/em><\/p>\n

(1.211\/1.729 & 08 ph\u00fat 45)<\/em><\/p>\n

#traiphieu #baohiem #nganhangf","protected":false},"excerpt":{"rendered":"

Th\u1eadn tr\u1ecdng khi mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, b\u1ea3o hi\u1ec3m t\u1eeb ng\u00e2n h\u00e0ng (VOV2) – Ng\u00e2n h\u00e0ng l\u00e0 n\u01a1i c\u00f3 th\u1ec3 cung c\u1ea5p nh\u1eefng s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh v\u00ec th\u1ebf nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n cho r\u1eb1ng mua tr\u00e1i phi\u1ebfu, b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o h\u01a1n so v\u1edbi mua t\u1eeb c\u00e1c doanh nghi\u1ec7p. […]<\/p>\n","protected":false},"author":2,"featured_media":34828,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[51,41,36],"class_list":["post-34827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-chung-khoan","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.912. Th\u1eadn tr\u1ecdng khi mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, b\u1ea3o hi\u1ec3m t\u1eeb ng\u00e2n h\u00e0ng - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Mua tr\u00e1i phi\u1ebfu, b\u1ea3o hi\u1ec3m t\u1eeb ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o h\u01a1n so v\u1edbi mua t\u1eeb c\u00e1c doanh nghi\u1ec7p. \u0110i\u1ec1u n\u00e0y c\u00f3 \u0111\u00fang hay kh\u00f4ng?\" \/>\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\/3-912-than-trong-khi-mua-trai-phieu-doanh-nghiep-bao-hiem-tu-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.912. 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