{"id":35332,"date":"2014-12-25T10:07:47","date_gmt":"2014-12-25T03:07:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=35332"},"modified":"2022-12-26T10:18:55","modified_gmt":"2022-12-26T03:18:55","slug":"233-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-nguyen-don-navibank","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/233b-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-nguyen-don-navibank\/","title":{"rendered":"233b. Lu\u1eadn c\u1ee9 B\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a nguy\u00ean \u0111\u01a1n Navibank"},"content":{"rendered":"(ANVI) &#8211; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC, tr\u00ecnh b\u00e0y t\u1ea1i Phi\u00ean to\u00e0 Ph\u00fac th\u1ea9m c\u1ee7a TAND t\u1ed1i cao t\u1ea1i TP HCM x\u00e9t x\u1eed v\u1ee5 \u00e1n Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 v\u00e0 c\u00e1c b\u1ecb c\u00e1c kh\u00e1c ph\u1ea1m t\u1ed9i \u201cL\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d,<\/p>\n<p>\u201cCho vay l\u00e3i n\u1eb7ng\u201d, \u201cVi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed9ng c\u1ee7a TCTD\u201d, L\u1ee3i d\u1ee5ng ch\u1ee9c v\u1ee5 quy\u1ec1n h\u1ea1n trong khi thi h\u00e0nh c\u00f4ng v\u1ee5\u201d, \u201cThi\u1ebfu tr\u00e1ch nhi\u1ec7m g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng\u201d v\u00e0 \u201cL\u00e0m gi\u1ea3 con d\u1ea5u, t\u00e0i li\u1ec7u c\u1ee7a c\u01a1 quan, t\u1ed5 ch\u1ee9c\u201d<\/p>\n<p>(TP HCM, t\u1eeb ng\u00e0y 15-12-2014 \u0111\u1ebfn ng\u00e0y 31-12-2014)<\/p>\n<p>&nbsp;<\/p>\n<p><em>K\u00ednh th\u01b0a H\u1ed9i \u0111\u1ed3ng X\u00e9t x\u1eed!<\/em><\/p>\n<p>T\u00f4i l\u00e0 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, \u0110o\u00e0n Lu\u1eadt s\u01b0 TP H\u00e0 N\u1ed9i, b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a Ng\u00e2n h\u00e0ng TMCP Qu\u1ed1c D\u00e2n (Navibank c\u0169) trong vi\u1ec7c th\u00f4ng qua 4 nh\u00e2n vi\u00ean Navibank g\u1eedi 200 t\u1ef7 \u0111\u1ed3ng t\u1ea1i Vietinbank.<\/p>\n<p>T\u00f4i xin tr\u00ecnh b\u00e0y lu\u1eadn c\u1ee9 g\u1ed3m 7 ph\u1ea7n nh\u01b0 sau:<\/p>\n<ul>\n<li><em>Th\u1ee9 nh\u1ea5t,<\/em> N\u1ed9i dung B\u1ea3n \u00e1n s\u01a1 th\u1ea9m li\u00ean quan \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a Navibank;<\/li>\n<li><em>Th\u1ee9 hai,<\/em> B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh sai t\u01b0 c\u00e1ch tham gia t\u1ed1 t\u1ee5ng c\u1ee7a Navibank;<\/li>\n<li><em>Th\u1ee9 ba,<\/em> B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh sai vi\u1ec7c g\u1eedi ti\u1ec1n c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank;<\/li>\n<li><em>Th\u1ee9 t\u01b0,<\/em> B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh sai nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn vi\u1ec7c ti\u1ec1n g\u1eedi b\u1ecb chi\u1ebfm \u0111o\u1ea1t;<\/li>\n<li><em>Th\u1ee9 n\u0103m,<\/em> B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh sai tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 ti\u1ec1n g\u1eedi cho 4 nh\u00e2n vi\u00ean Navibank;<\/li>\n<li><em>Th\u1ee9 s\u00e1u,<\/em> B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh m\u1ed9t s\u1ed1 \u0111i\u1ec3m sai l\u1ea7m kh\u00e1c li\u00ean quan \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a Navibank;<\/li>\n<li><em>Th\u1ee9 b\u1ea3y,<\/em> K\u1ebft lu\u1eadn v\u00e0 ki\u1ebfn ngh\u1ecb.<\/li>\n<\/ul>\n<p><strong>1. N\u1ed9i dung B\u1ea3n \u00e1n s\u01a1 th\u1ea9m li\u00ean quan \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a Navibank:<\/strong><\/p>\n<p>1.1. Trang 101, B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u00e3 vi\u1ebft nh\u01b0 sau v\u1ec1 s\u1ed1 ti\u1ec1n 200 t\u1ef7 \u0111\u1ed3ng do 4 nh\u00e2n vi\u00ean Navibank g\u1eedi t\u1ea1i Vietinbank: <em>\u201cTrong s\u1ed1 500 t\u1ef7 Nh\u01b0 \u0111\u00e3 t\u1ea5t to\u00e1n \u0111\u01b0\u1ee3c 300 t\u1ef7, c\u00f2n 200 t\u1ef7 \u0111\u1ee9ng t\u00ean c\u00e1c c\u00e1 nh\u00e2n Hu\u1ef3nh Linh Chi, Cao Th\u1ecb Thu\u1ef3 Anh, L\u01b0\u01a1ng Th\u1ecb Thu\u1ef7 Ti\u00ean v\u00e0 L\u00ea Th\u1ecb Thu H\u01b0\u01a1ng, Nh\u01b0 \u0111\u00e3 tr\u00edch chuy\u1ec3n s\u1ed1 ti\u1ec1n n\u00e0y t\u1eeb t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n sang th\u1ebb ti\u1ebft ki\u1ec7m. Nh\u01b0 kh\u00f4ng giao th\u1ebb ti\u1ebft ki\u1ec7m cho nh\u1eefng ng\u01b0\u1eddi n\u00e0y v\u00e0 nh\u1eefng ng\u01b0\u1eddi n\u00e0y c\u0169ng kh\u00f4ng \u0111\u00f2i l\u1ea1i n\u00ean Nh\u01b0 \u0111\u00e3 d\u1ec5 d\u00e0ng tr\u00edch s\u1ed1 ti\u1ec1n 200 t\u1ef7 t\u1eeb c\u00e1c th\u1ebb ti\u1ebft ki\u1ec7m c\u1ee7a 4 c\u00e1 nh\u00e2n n\u00e0y, chi\u1ebfm \u0111o\u1ea1t v\u00e0 \u0111\u01b0a \u0111i tr\u1ea3 n\u1ee3.\u201d<\/em><\/p>\n<p>1.2. Trang 34, B\u1ea3n \u00e1n s\u01a1 th\u1ea9m vi\u1ebft: \u201c<em>X\u00e1c minh t\u1ea1i Vietinbank Chi nh\u00e1nh TP H\u1ed3 Ch\u00ed Minh: ng\u00e2n h\u00e0ng n\u00e0y x\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n 200 t\u1ef7 \u0111\u1ed3ng c\u00f3 trong t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a 04 nh\u00e2n vi\u00ean Navibank m\u1edf t\u1ea1i Vietinbank do c\u00e1c c\u00e1 nh\u00e2n n\u00e0y kh\u00f4ng gi\u1eef th\u1ebb ti\u1ebft ki\u1ec7m v\u00e0 kh\u00f4ng m\u1edf t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u00fang tr\u00ecnh t\u1ef1 n\u00ean \u0111\u00e3 b\u1ecb Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t tr\u1ea3 cho nhi\u1ec1u \u0111\u01a1n v\u1ecb v\u00e0 c\u00e1 nh\u00e2n\u201d.<\/em><\/p>\n<p>1.3. Tr\u00ean c\u01a1 s\u1edf c\u00e1c n\u1ed9i dung nh\u1eadn \u0111\u1ecbnh nh\u01b0 tr\u00ean, B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh v\u1ec1 tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 t\u1ea1i trang 140, Ph\u1ea7n \u201cQuy\u1ebft \u0111\u1ecbnh\u201d, nh\u01b0 sau: Bu\u1ed9c b\u1ecb c\u00e1o Nh\u01b0 ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho \u201c<em>Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n Nam Vi\u1ec7t (Navibank) 200.000.000.000 (hai tr\u0103m t\u1ec9) \u0111\u1ed3ng<\/em>\u201d.<\/p>\n<p>1.4. \u0110\u00f3 l\u00e0 nh\u1eefng nh\u1eadn \u0111\u1ecbnh ho\u00e0n to\u00e0n sai v\u1edbi th\u1ef1c t\u1ebf v\u00e0 tr\u00e1i ph\u00e1p lu\u1eadt c\u1ee7a B\u1ea3n \u00e1n s\u01a1 th\u1ea9m, trong \u0111\u00f3 c\u00f3 nhi\u1ec1u sai l\u1ea7m m\u00e0 v\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t \u0111\u00e3 k\u1ebft lu\u1eadn t\u1ea1i Phi\u00ean to\u00e0 n\u00e0y, c\u00f9ng v\u1edbi nhi\u1ec1u n\u1ed9i dung sai l\u1ea7m kh\u00e1c li\u00ean quan \u0111\u1ebfn quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a Navibank, m\u00e0 t\u00f4i s\u1ebd l\u1ea7n l\u01b0\u1ee3t ph\u00e2n t\u00edch \u1edf c\u00e1c ph\u1ea7n d\u01b0\u1edbi \u0111\u00e2y.<\/p>\n<p><strong>2. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh sai t\u01b0 c\u00e1ch tham gia t\u1ed1 t\u1ee5ng c\u1ee7a Navibank:<\/strong><\/p>\n<p>2.1. T\u1ea1i Phi\u00ean to\u00e0 s\u01a1 th\u1ea9m, Navibank \u0111\u00e3 y\u00eau c\u1ea7u x\u00e1c \u0111\u1ecbnh l\u1ea1i t\u01b0 c\u00e1ch c\u1ee7a m\u00ecnh kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1, m\u00e0 ch\u1ec9 l\u00e0 ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 li\u00ean quan \u0111\u1ebfn s\u1ed1 ti\u1ec1n 200 t\u1ef7 \u0111\u1ed3ng m\u00e0 4 nh\u00e2n vi\u00ean Navibank \u0111\u00e3 g\u1eedi t\u1ea1i Vietinbank. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan ti\u1ebfn h\u00e0nh t\u1ed1 t\u1ee5ng c\u1ea5p s\u01a1 th\u1ea9m l\u00e0 Vi\u1ec7n Ki\u1ec3m s\u00e1t v\u00e0 To\u00e0 \u00e1n ch\u1ea5p nh\u1eadn.<\/p>\n<p>2.2. Trong v\u1ee5 \u00e1n n\u00e0y, ti\u1ec1n g\u1eedi c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank c\u00f3 \u0111\u1ea7y \u0111\u1ee7 m\u1ecdi \u0111\u1eb7c \u0111i\u1ec3m h\u1ee3p l\u1ec7, h\u1ee3p ph\u00e1p nh\u01b0 \u0111\u1ed1i v\u1edbi 5 c\u00f4ng ty (Ph\u01b0\u01a1ng \u0110\u00f4ng, An L\u1ed9c, Ch\u1ee9ng kho\u00e1n, H\u01b0ng Y\u00ean v\u00e0 To\u00e0n C\u1ea7u) \u0111\u00e3 g\u1eedi ti\u1ec1n t\u1ea1i Vietinbank. Tuy nhi\u00ean, 5 c\u00f4ng ty th\u00ec \u0111\u01b0\u1ee3c Vi\u1ec7n ki\u1ec3m s\u00e1t x\u00e1c \u0111\u1ecbnh l\u00e0 ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 li\u00ean quan, do c\u00f3 h\u00e0nh vi l\u1ee3i d\u1ee5ng ch\u1ee9c v\u1ee5, quy\u1ec1n h\u1ea1n, tham \u00f4 t\u00e0i s\u1ea3n c\u1ee7a Vietinbank c\u00f2n Navinbank l\u1ea1i v\u1eabn l\u00e0 nguy\u00ean \u0111\u01a1n d\u00e2n s\u1ef1. Nh\u01b0 v\u1eady, \u0111\u00f3 quan \u0111i\u1ec3m x\u1eed l\u00fd m\u00e2u thu\u1eabn, r\u1ea5t tr\u00e1i ng\u01b0\u1ee3c nhau v\u1ec1 b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd v\u00e0 s\u1ef1 vi\u1ec7c th\u1ef1c t\u1ebf.<\/p>\n<p>2.3. Tuy nhi\u00ean, cho d\u00f9 x\u00e1c \u0111\u1ecbnh t\u01b0 c\u00e1ch c\u1ee7a Navibank l\u00e0 nguy\u00ean \u0111\u01a1n hay ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 li\u00ean quan, thi c\u0169ng c\u00f3 m\u1ed1i quan h\u1ec7 ch\u1eb7t ch\u1ebd v\u1edbi vi\u1ec7c g\u1eedi ti\u1ec1n v\u00e0 tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3, b\u1ed3i th\u01b0\u1eddng ti\u1ec1n g\u1eedi c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank.<\/p>\n<p><strong>3. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh sai vi\u1ec7c g\u1eedi ti\u1ec1n c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank:<\/strong><\/p>\n<p><em>3.1. Th\u1ee9 nh\u1ea5t, <\/em>ti\u1ec1n g\u1eedi c\u00f3 ngu\u1ed3n g\u1ed1c h\u1ee3p ph\u00e1p, l\u00e0 ti\u1ec1n c\u1ee7a Navibank huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi c\u1ee7a c\u00f4ng ch\u00fang.<\/p>\n<p>T\u00f4i ch\u1ec9 xin n\u00f3i v\u1ec1 m\u1ed9t \u0111i\u1ec3m m\u1edbi theo \u00fd ki\u1ebfn c\u1ee7a v\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t t\u1ea1i Phi\u00ean to\u00e0 ph\u00fac th\u1ea9m \u0111\u00e3 cho r\u1eb1ng 4 nh\u00e2n vi\u00ean Navibank vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 6, \u0110i\u1ec1u 10 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n\u201d, Quy ch\u1ebf M\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i NHNN v\u00e0 TCTD, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN2 ng\u00e0y 21-11-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN l\u00e0 \u201c<em>Kh\u00f4ng \u0111\u01b0\u1ee3c cho thu\u00ea, cho m\u01b0\u1ee3n t\u00e0i kho\u1ea3n, ho\u1eb7c s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh cho c\u00e1c giao d\u1ecbch thanh to\u00e1n \u0111\u1ed1i v\u1edbi nh\u1eefng kho\u1ea3n ti\u1ec1n \u0111\u00e3 c\u00f3 b\u1eb1ng ch\u1ee9ng v\u1ec1 ngu\u1ed3n g\u1ed1c b\u1ea5t h\u1ee3p ph\u00e1p<\/em>.\u201d<\/p>\n<p>Xin th\u01b0a r\u1eb1ng, \u0111\u00f3 l\u00e0 m\u1ed9t nh\u1eadn \u0111\u1ecbnh sai l\u1ea7m, v\u00ec ph\u00e1p lu\u1eadt ch\u1ec9 c\u1ea5m s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n c\u00f3 ngu\u1ed3n g\u1ed1c b\u1ea5t h\u1ee3p ph\u00e1p nh\u01b0 tr\u1ed9m c\u01b0\u1edbp, tham \u00f4, \u0111\u00e1nh b\u1ea1c, m\u1ea1i d\u00e2m, ma tu\u00fd,&#8230; ch\u1ee9 ch\u1eb3ng li\u00ean quan g\u00ec \u0111\u1ebfn ti\u1ec1n c\u1ee7a Navibank huy \u0111\u1ed9ng t\u1eeb c\u00f4ng ch\u00fang.<\/p>\n<p>\u0110\u00f3 c\u0169ng l\u00e0 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 11 v\u1ec1 &#8220;Tr\u00e1ch nhi\u1ec7m ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1&#8221;, Lu\u1eadt C\u00e1c TCTD n\u0103m 2010. N\u00f3i th\u1ebf kh\u00e1c n\u00e0o b\u1ea3o vi\u1ec7c nh\u1eadn h\u1ed9 ti\u1ec1n c\u1ee7a b\u1ed1 m\u1eb9, anh em, b\u1ea1n b\u00e8 \u0111\u1ec3 g\u1eedi ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 cho thu\u00ea, cho m\u01b0\u1ee3n t\u00e0i kho\u1ea3n b\u1ea5t h\u1ee3p ph\u00e1p v\u00e0 l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea5t h\u1ee3p ph\u00e1p, ph\u1ea3i b\u1ecb t\u1ecbch thu xung c\u00f4ng.<\/p>\n<p>V\u00ec v\u1eady, \u0111\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 l\u00fd do lo\u1ea1i b\u1ecf Navibank ra kh\u1ecfi nh\u00f3m 5 c\u00f4ng ty.<\/p>\n<p>H\u01a1n n\u1eefa, ngu\u1ed3n g\u1ed1c ti\u1ec1n g\u1eedi d\u00f9 c\u00f3 nh\u01b0 th\u1ebf n\u00e0o th\u00ec c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c ti\u1ec1n g\u1eedi b\u1ecb chi\u1ebfm \u0111o\u1ea1t v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n g\u1eedi.<\/p>\n<p><em>3.2. Th\u1ee9 hai,<\/em> vi\u1ec7c g\u1eedi ti\u1ec1n l\u00e0 giao d\u1ecbch t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n, kh\u00f4ng ph\u1ea3i l\u00e0 g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m:<\/p>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 3 v\u1ec1 \u201cH\u00ecnh th\u1ee9c m\u1edf t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d, Quy ch\u1ebf M\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i NHNN v\u00e0 TCTD, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN2 ng\u00e0y 21-11-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 quy \u0111\u1ecbnh nh\u01b0 sau:<\/p>\n<p>\u201c<em>1. T\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 t\u00e0i kho\u1ea3n thanh to\u00e1n do ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n m\u1edf t\u1ea1i c\u00e1c Ng\u00e2n h\u00e0ng v\u1edbi m\u1ee5c \u0111\u00edch g\u1eedi, gi\u1eef ti\u1ec1n ho\u1eb7c th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch thanh to\u00e1n qua Ng\u00e2n h\u00e0ng b\u1eb1ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n<\/em>.\u201d<\/p>\n<p>4 nh\u00e2n vi\u00ean Navibank \u0111\u00e3 k\u00fd c\u00e1c h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi v\u1edbi c\u00e1c Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Vietinbank H\u1ed3 Ch\u00ed Minh, ch\u1ee9 kh\u00f4ng k\u00fd v\u1edbi Huy\u1ec1n Nh\u01b0 hay Ph\u00f2ng Giao d\u1ecbch \u0110i\u1ec7n Bi\u00ean Ph\u1ee7 c\u1ee7a Huy\u1ec1n Nh\u01b0.<\/p>\n<p>B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh, vi\u1ec7c 4 nh\u00e2n vi\u00ean Navibank g\u1eedi ti\u1ebft ki\u1ec7m xong \u0111\u00e3 kh\u00f4ng l\u1ea5y th\u1ebb ti\u1ebft ki\u1ec7m, n\u00ean \u0111\u00e3 b\u1ecb Huy\u1ec1n Nh\u01b0 l\u1ee3i d\u1ee5ng chi\u1ebfm \u0111o\u1ea1t, l\u00e0 m\u1ed9t sai l\u1ea7m nghi\u00eam tr\u1ecdng. T\u1ea1i Phi\u00ean to\u00e0 s\u01a1 th\u1ea9m, t\u00f4i \u0111\u00e3 3 l\u1ea7n kh\u1eb3ng \u0111\u1ecbnh khi tranh lu\u1eadn v\u1edbi Vi\u1ec7n ki\u1ec3m s\u00e1t r\u1eb1ng, \u0111\u00e2y l\u00e0 m\u1ed9t nh\u1eadn \u0111\u1ecbnh \u0111\u1eb7c bi\u1ec7t sai l\u1ea7m. \u0110\u00e1ng ti\u1ebfc l\u00e0 m\u1ed9t s\u1ef1 vi\u1ec7c \u0111\u01a1n gi\u1ea3n, r\u00f5 r\u00e0ng nh\u01b0 v\u1eady m\u00e0 B\u1ea3n \u00e1n s\u01a1 th\u1ea9m v\u1eabn ghi nh\u1eadn sai, nh\u01b0 v\u1eady th\u00ec kh\u00f3 tr\u00e1nh kh\u1ecfi nh\u1eefng sai l\u1ea7m kh\u00e1c. C\u1ea3 4 nh\u00e2n vi\u00ean Navibank kh\u00f4ng h\u1ec1 c\u00f3 m\u1ed9t s\u1ef1 tho\u1ea3 thu\u1eadn hay m\u1ed9t h\u00e0nh vi n\u00e0o chuy\u1ec3n s\u1ed1 ti\u1ec1n g\u1eedi sang th\u1ebb ti\u1ebft ki\u1ec7m. H\u1ec7 th\u1ed1ng c\u1ee7a Vietinbank \u0111\u00e3 t\u1ef1 ti\u1ec7n chuy\u1ec3n ti\u1ec1n g\u1eedi t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng sang h\u00ecnh th\u1ee9c g\u1eedi ti\u1ebft ki\u1ec7m ho\u00e0n to\u00e0n kh\u00f4ng d\u1ef1a tr\u00ean b\u1ea5t c\u1ee9 c\u01a1 s\u1edf ph\u00e1p lu\u1eadt v\u00e0 tho\u1ea3 thu\u1eadn n\u00e0o.<\/p>\n<p>K\u1ebft qu\u1ea3 th\u1ea9m v\u1ea5n c\u00f4ng khai t\u1ea1i Phi\u00ean to\u00e0 n\u00e0y \u0111\u00e3 kh\u1eb3ng \u0111\u1ecbnh r\u00f5 \u0111i\u1ec1u \u0111\u00f3.<\/p>\n<p><em>3.3. Th\u1ee9 ba,<\/em> vi\u1ec7c tho\u1ea3 thu\u1eadn chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n n\u00e0y sang t\u00e0i kho\u1ea3n kh\u00e1c kh\u00f4ng x\u1ea3y ra r\u1ee7i ro:<\/p>\n<p>H\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi m\u00e0 c\u00e1c nh\u00e2n vi\u00ean Navibank g\u1eedi t\u1ea1i Vietinbank c\u00f3 n\u1ed9i dung tho\u1ea3 thu\u1eadn t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 1.6 r\u1eb1ng, Vietinbank \u0111\u01b0\u1ee3c v\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c quy\u1ec1n chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n thanh to\u00e1n kh\u00f4ng k\u1ef3 h\u1ea1n sang t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a ch\u00ednh kh\u00e1ch h\u00e0ng. \u0110i\u1ec1u n\u00e0y kh\u00f4ng h\u1ec1 t\u1ea1o ra b\u1ea5t k\u1ef3 s\u1ef1 r\u1ee7i ro n\u00e0o cho kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n v\u00e0 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 3 v\u1ec1 \u201cH\u00ecnh th\u1ee9c m\u1edf t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d, Quy ch\u1ebf M\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i NHNN v\u00e0 TCTD, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN2 ng\u00e0y 21-11-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN:<\/p>\n<p><em>\u201c2. S\u1ed1 d\u01b0 tr\u00ean t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 th\u1ec3 l\u00e0 s\u1ed1 d\u01b0 kh\u00f4ng k\u1ef3 h\u1ea1n ho\u1eb7c s\u1ed1 d\u01b0 c\u00f3 k\u1ef3 h\u1ea1n. Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i s\u1eed d\u1ee5ng s\u1ed1 d\u01b0 t\u1eeb kh\u00f4ng k\u1ef3 h\u1ea1n sang c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 ng\u01b0\u1ee3c l\u1ea1i, ho\u1eb7c s\u1eed d\u1ee5ng kh\u00e1c k\u1ef3 h\u1ea1n \u0111\u00e3 tho\u1ea3 thu\u1eadn th\u1ef1c hi\u1ec7n theo y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng ho\u1eb7c theo y\u00eau c\u1ea7u c\u1ee7a Ng\u00e2n h\u00e0ng n\u01a1i m\u1edf t\u00e0i kho\u1ea3n.\u201d<\/em><\/p>\n<p>Nh\u01b0 v\u1eady, vi\u1ec7c g\u1eedi ti\u1ec1n c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank l\u00e0 ho\u00e0n to\u00e0n h\u1ee3p l\u1ec7, h\u1ee3p ph\u00e1p, v\u00ec \u0111\u00e3 ho\u00e0n t\u1ea5t m\u1ecdi th\u1ee7 t\u1ee5c c\u1ea7n thi\u1ebft theo \u0111\u00fang \u0111\u00fang v\u1edbi tho\u1ea3 thu\u1eadn v\u1edbi Vietinbank H\u1ed3 Ch\u00ed Minh, c\u0169ng nh\u01b0 \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 c\u1ee7a Vietinbank.<\/p>\n<p>H\u1ed3 s\u01a1 c\u0169ng nh\u01b0 k\u1ebft qu\u1ea3 th\u1ea9m v\u1ea5n c\u00f4ng khai t\u1ea1i Phi\u00ean to\u00e0 ph\u00fac th\u1ea9m \u0111\u00e3 cho th\u1ea5y r\u00f5, m\u1ed9t m\u00ecnh c\u00e1 nh\u00e2n Huy\u1ec1n Nh\u01b0 kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u00e0nh th\u1ebb ti\u1ebft ki\u1ec7m m\u1ed9t c\u00e1ch sai tr\u00e1i, r\u1ed3i sau \u0111\u00f3 \u0111\u00e3 mang c\u00e1c th\u1ebb ti\u1ebft ki\u1ec7m th\u1eadt v\u1ec1 h\u00ecnh th\u1ee9c, gi\u1ea3 v\u1ec1 b\u1ea3n ch\u1ea5t \u0111\u00f3 \u0111\u1ec3 c\u1ea7m c\u1ed1 cho c\u00e1c kho\u1ea3n vay l\u1eeba \u0111\u1ea3o, tr\u00e1i ho\u00e0n to\u00e0n v\u1edbi tho\u1ea3 thu\u1eadn v\u00e0 \u00fd ch\u00ed c\u1ee7a ng\u01b0\u1edfi g\u1eedi ti\u1ec1n.<\/p>\n<p>L\u1ed7i chuy\u1ec3n \u0111\u1ed5i sai n\u00e0y ho\u00e0n to\u00e0n thu\u1ed9c v\u1ec1 Vietinbank, do v\u1eady Vietinbank ph\u1ea3i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 18 v\u1ec1 \u201cB\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 64\/2001\/N\u0110-CP ng\u00e0y 20-9-2001 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n qua c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n l\u00e0, t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n ph\u1ea3i <em>\u201cc\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i n\u1ebfu g\u00e2y thi\u1ec7t h\u1ea1i cho b\u00ean li\u00ean quan do vi ph\u1ea1m quy \u0111\u1ecbnh ho\u1eb7c tho\u1ea3 thu\u1eadn gi\u1eefa t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n<\/em>.\u201d<\/p>\n<p>\u0110i\u1ec1u n\u00e0y kh\u00f4ng kh\u00e1i g\u00ec v\u1edbi t\u00ecnh tr\u1ea1ng c\u1ee7a 5 c\u00f4ng ty.<\/p>\n<p><strong>4. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh sai nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn vi\u1ec7c ti\u1ec1n g\u1eedi b\u1ecb chi\u1ebfm \u0111o\u1ea1t:<\/strong><\/p>\n<p><em>4.1. Th\u1ee9 nh\u1ea5t:<\/em> Vietinbank ph\u1ea3i ho\u00e0n to\u00e0n ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c \u0111\u1ec3 cho Huy\u1ec1n Nh\u01b0 v\u00e0 c\u00e1c nh\u00e2n vi\u00ean kh\u00e1c c\u1ee7a m\u00ecnh r\u00fat ti\u1ec1n sai tr\u00e1i, gian l\u1eadn, ph\u1ea1m ph\u00e1p b\u1eb1ng vi\u1ec7c l\u00e0m gi\u1ea3 r\u1ea5t nhi\u1ec1u h\u1ed3 s\u01a1, ch\u1ee9ng t\u1eeb c\u1ee7a Vietinbank (t\u1ea1i Phi\u00ean to\u00e0 nay, ch\u00ednh Ch\u1ee7 to\u1ea1 \u0111\u00e3 n\u00f3i r\u1eb1ng, c\u00f3 h\u00e0ng ng\u00e0n h\u1ed3 s\u01a1, gi\u1ea5y t\u1edd b\u1ecb l\u00e0m gi\u1ea3) v\u00e0 \u0111\u00e3 ch\u1ea5p nh\u1eadn c\u00e1c l\u1ec7nh chi gi\u1ea3, ch\u1eef k\u00fd gi\u1ea3 c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n, r\u00fat 140,3 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 tr\u1ea3 n\u1ee3 cho c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00e1c, m\u00e0 kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n ho\u00e0n to\u00e0n kh\u00f4ng bi\u1ebft v\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 l\u1ed7i. \u0110i\u1ec1u n\u00e0y l\u00e0 ho\u00e0n to\u00e0n gi\u1ed1ng v\u1edbi s\u1ef1 vi\u1ec7c c\u1ee7a 5 c\u00f4ng ty.<\/p>\n<p><em>4.2. Th\u1ee9 hai:<\/em> Vietinbank ph\u1ea3i ho\u00e0n to\u00e0n ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c \u0111\u1ec3 cho Huy\u1ec1n Nh\u01b0 v\u00e0 c\u00e1c nh\u00e2n vi\u00ean kh\u00e1c c\u1ee7a m\u00ecnh t\u1ef1 \u00fd tr\u00edch 59,7 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 l\u1eadp th\u00e0nh 8 th\u1ebb ti\u1ebft ki\u1ec7m gi\u1ea3, r\u1ed3i gi\u1ea3 ch\u1eef k\u00fd c\u1ee7a ch\u1ee7 th\u1ebb ti\u1ebft ki\u1ec7m \u0111\u1ec3 c\u1ea7m c\u1ed1 vay 57,2 t\u1ef7 \u0111\u1ed3ng t\u1ea1i Vietinbank. 8 th\u1ebb ti\u1ebft ki\u1ec7m gi\u1ea3 n\u00e0y c\u00f3 \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn l\u00e0 h\u1ee3p ph\u00e1p kh\u00f4ng? \u0110\u1ec1 ngh\u1ecb Vi\u1ec7n ki\u1ec3m s\u00e1t tranh lu\u1eadn.<\/p>\n<p><em>4.3. Th\u1ee9 ba:<\/em> Vietinbank ph\u1ea3i ho\u00e0n to\u00e0n ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c \u0111\u00e3 b\u1ea5t ch\u1ea5p nguy\u00ean t\u1eafc, t\u1ef1 \u0111\u1ed9ng kh\u1ea5u tr\u1eeb 57,5 t\u1ef7 \u0111\u1ed3ng trong c\u00e1c t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank \u0111\u1ec3 thu n\u1ee3 cho c\u00e1c kho\u1ea3n vay theo h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1ea3 v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 gi\u1ea3. \u0110\u00e2y ho\u00e0n to\u00e0n l\u00e0 h\u00e0nh vi sai ph\u1ea1m tr\u00e1i lu\u1eadt r\u1ea5t nghi\u00eam tr\u1ecdng c\u1ee7a Vietinbank sau khi Huy\u1ec1n Nh\u01b0 \u0111\u00e3 b\u1ecb b\u1eaft giam. \u0110\u1ec1 ngh\u1ecb Vi\u1ec7n ki\u1ec3m s\u00e1t n\u00eau r\u00f5 quan \u0111i\u1ec3m v\u1ec1 vi\u1ec7c n\u00e0y.<\/p>\n<p>\u0110\u1eb7c bi\u1ec7t, B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u00e3 sai l\u1ea7m khi x\u00e1c \u0111\u1ecbnh \u0111\u00f3 l\u00e0 s\u1ed1 ti\u1ec1n m\u00e0 Huy\u1ec1n Nh\u01b0 \u0111\u00e3 chi\u1ebfm \u0111o\u1ea1t c\u1ee7a Navibank. S\u1ef1 th\u1eadt, \u0111\u00e2y ch\u00ednh l\u00e0 s\u1ed1 ti\u1ec1n m\u00e0 Vietinbank \u0111\u00e3 chi\u1ebfm \u0111o\u1ea1t t\u1eeb t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi h\u1ee3p ph\u00e1p c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p>4.4. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m ch\u1ec9 \u0111\u00fang m\u1ed9t \u0111i\u1ec3m \u0111\u1ed1i v\u1edbi Navibank nh\u01b0 \u0111\u00e3 nh\u1eadn \u0111\u1ecbnh t\u1ea1i trang 71, B\u1ea3n \u00e1n s\u01a1 th\u1ea9m: \u201c<em>\u0110\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t nh\u00e2n d\u00e2n TP H\u1ed3 Ch\u00ed Minh th\u1eeba u\u1ef7 quy\u1ec1n c\u1ee7a Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n ki\u1ec3m s\u00e1t nh\u00e2n d\u00e2n t\u1ed1i cao ph\u00e1t bi\u1ebft quan \u0111i\u1ec3m x\u00e9t x\u1eed v\u1ee5 \u00e1n cho r\u1eb1ng\u201d: \u201cV\u1edbi th\u1ee7 \u0111o\u1ea1n tinh vi v\u00e0 x\u1ea3o quy\u1ec7t \u0111\u00f3, c\u00f9ng v\u1edbi s\u1ef1 gi\u00fap s\u1ee9c c\u1ee7a V\u00f5 Anh Tu\u1ea5n, Hu\u1ef3nh M\u1ef9 H\u1ea1nh, Tr\u1ea7n Th\u1ecb T\u1ed1 Quy\u00ean, \u0110\u00e0o Th\u1ecb Tuy\u1ebft Dung v\u00e0 Nguy\u1ec5n Th\u1ecb L\u00e0nh; s\u1ef1 t\u1eafc tr\u00e1ch, c\u1ea3 n\u1ec3 c\u1ee7a c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean c\u00e1c ph\u00f2ng giao d\u1ecbch V\u00f5 V\u0103n T\u1ea7n, \u0110inh Ti\u00ean Ho\u00e0ng v\u00e0 \u0110i\u1ec7n Bi\u00ean Ph\u1ee7, s\u1ef1 s\u01a1 h\u1edf c\u1ee7a L\u00e3nh \u0111\u1ea1o Vietinbank \u2013 Chi nh\u00e1nh th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh trong qu\u1ea3n l\u00fd, \u0111i\u1ec1u h\u00e0nh; s\u1ef1 quan li\u00eau, v\u00f4 tr\u00e1ch nhi\u1ec7m, coi th\u01b0\u1eddng quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m, \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t<\/em>\u201d t\u1ed5ng c\u1ed9ng 3.986.254.481.860 \u0111\u1ed3ng.<\/p>\n<p>4.5. C\u00f2n \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 sai s\u00f3t c\u1ee7a Navibank v\u00e0 4 nh\u00e2n vi\u00ean Navibank, c\u0169ng ho\u00e0n to\u00e0n gi\u1ed1ng nh\u01b0 5 c\u00f4ng ty kh\u00e1c, \u0111\u1ec1u kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn vi\u1ec7c m\u1ea5t ti\u1ec1n nh\u01b0 ch\u00ednh v\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t \u0111\u00e3 k\u1ebft lu\u1eadn t\u1ea1i Phi\u00ean to\u00e0 ph\u00fac th\u1ea9m, th\u1eadm ch\u00ed c\u00f2n kh\u00f4ng t\u1ea1o ra b\u1ea5t c\u1ee9 \u0111i\u1ec1u ki\u1ec7n n\u00e0o cho vi\u1ec7c chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n. Kh\u00f4ng th\u1ec3 t\u00ecm ra c\u0103n c\u1ee9 ph\u00e1p l\u00fd n\u00e0o \u0111\u1ec3 ph\u00e2n th\u00e0nh 2 nh\u00f3m kh\u00e1c nhau gi\u1eefa Navibank v\u00e0 5 c\u00f4ng ty.<\/p>\n<p><strong>5. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh sai tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 ti\u1ec1n g\u1eedi cho 4 nh\u00e2n vi\u00ean Navibank:<\/strong><\/p>\n<p><em>5.1. Th\u1ee9 nh\u1ea5t,<\/em> Vietinbank \u0111\u00e3 nh\u1eadn ti\u1ec1n g\u1eedi, \u0111\u00e3 huy \u0111\u1ed9ng v\u1ed1n, t\u1ee9c l\u00e0 vay v\u1ed1n v\u00e0 s\u1eed d\u1ee5ng v\u1ed1n vay c\u1ee7a kh\u00e1ch h\u00e0ng, th\u00ec ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. N\u1ebfu cho r\u1eb1ng Huy\u1ec1n Nh\u01b0 \u0111\u1ee9ng ra huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi, th\u00ec k\u1ebft c\u1ee5c c\u0169ng v\u1eabn l\u00e0 huy \u0111\u1ed9ng v\u1ed1n cho Vietinbank. Vi\u1ec7c Huy\u1ec1n Nh\u01b0 huy \u0111\u1ed9ng v\u1ed1n cho Vietinbank l\u00e0 m\u1ed9t vi\u1ec7c l\u00e0m b\u00ecnh th\u01b0\u1eddng, b\u1eaft bu\u1ed9c, \u0111\u00fang v\u1edbi th\u1ea9m quy\u1ec1n, ch\u1ee9c tr\u00e1ch, nhi\u1ec7m v\u1ee5, vai tr\u00f2 c\u1ee7a m\u1ed9t Tr\u01b0\u1edfng ph\u00f2ng Giao d\u1ecbch l\u1edbn c\u1ee7a Vietinbank. Do v\u1eady, d\u00f9 c\u00f3 \u0111\u1ed5 th\u1eeba cho Huy\u1ec1n Nh\u01b0 c\u00f3 \u00fd \u0111\u1ecbnh l\u1eeba \u0111\u1ea3o t\u1eeb tr\u01b0\u1edbc, th\u00ec c\u0169ng kh\u00f4ng l\u00e0m thay \u0111\u1ed5i tr\u00e1ch nhi\u1ec7m quan tr\u1ecdng nh\u1ea5t c\u1ee7a Vietinbank theo lu\u1eadt \u0111\u1ecbnh l\u00e0, ph\u1ea3i b\u1ea3o \u0111\u1ea3m an to\u00e0n tuy\u1ec7t \u0111\u1ed1i ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng.<\/p>\n<p>V\u1eady th\u00ec c\u1ea3 v\u1ec1 \u0111\u1ea1o l\u00fd v\u00e0 ph\u00e1p l\u00fd l\u00e0 c\u00f3 vay, c\u00f3 tr\u1ea3. Kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn l\u00fd lu\u1eadn theo ki\u1ec3u, c\u00e1i tay t\u1ef1 l\u00e0m t\u1ef1 ch\u1ecbu, \u0111\u1ec3 r\u0169 b\u1ecf tr\u00e1ch nhi\u1ec7m hi\u1ec3n nhi\u00ean l\u00e0 \u0111\u00e3 nh\u1eadn ti\u1ec1n g\u1eedi nh\u01b0ng l\u1ea1i kh\u00f4ng tr\u1ea3 cho kh\u00e1ch h\u00e0ng. Do \u0111\u00f3, trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, Vietinbank ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c sai ph\u1ea1m \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e2n vi\u00ean c\u1ee7a m\u00ecnh theo \u0111\u00fang quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 618 v\u1ec1 \u201cB\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do ng\u01b0\u1eddi c\u1ee7a ph\u00e1p nh\u00e2n g\u00e2y ra\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005: \u201c<em>Ph\u00e1p nh\u00e2n ph\u1ea3i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do ng\u01b0\u1eddi c\u1ee7a m\u00ecnh g\u00e2y ra trong khi th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 \u0111\u01b0\u1ee3c ph\u00e1p nh\u00e2n giao<\/em>\u201d.<\/p>\n<p><em>5.2. Th\u1ee9 hai,<\/em> to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank, \u0111\u00e3 \u0111\u01b0\u1ee3c h\u1ea1ch to\u00e1n ngay l\u1eadp t\u1ee9c v\u00e0 \u0111\u1ea7y \u0111\u1ee7 v\u00e0o c\u00e1c t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng, v\u00e0o h\u1ec7 th\u1ed1ng s\u1ed1 s\u00e1ch, ngu\u1ed3n v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a Vietinbank. Vietinbank c\u0169ng \u0111\u00e3 t\u00ednh v\u00e0 ph\u1ea3i t\u00ednh to\u00e1n b\u1ea3o \u0111\u1ea3m kh\u1ea3 n\u0103ng chi tr\u1ea3 (kh\u1ea3 n\u0103ng thanh kho\u1ea3n) v\u00e0 \u0111\u00e3 \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n n\u00e0y.<\/p>\n<p><em>5.3. Th\u1ee9 ba,<\/em> Huy\u1ec1n Nh\u01b0 tr\u1ef1c ti\u1ebfp hay gi\u00e1n ti\u1ebfp, m\u00f4i gi\u1edbi hay kh\u00f4ng m\u00f4i gi\u1edbi, h\u1ee9a h\u1eb9n hay kh\u00f4ng h\u1ee9a h\u1eb9n v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t, l\u00e0m \u0111\u00fang hay kh\u00f4ng l\u00e0m \u0111\u00fang quy tr\u00ecnh trong vi\u1ec7c nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng,\u2026 th\u00ec s\u1ed1 ti\u1ec1n th\u1eadt s\u1ef1 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 g\u1eedi, \u0111\u00e3 h\u1ea1ch to\u00e1n h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7 v\u00e0o h\u1ec7 th\u1ed1ng c\u1ee7a Vietinbank, kh\u00f4ng nh\u1eefng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 b\u1ea5t c\u1ee9 ph\u1ea1m vi u\u1ef7 quy\u1ec1n n\u00e0o, m\u00e0 th\u1eadm ch\u00ed c\u00f2n \u0111\u01b0\u1ee3c Vietinbank khuy\u1ebfn kh\u00edch v\u00e0 ch\u1ea5p nh\u1eadn v\u00f4 \u0111i\u1ec1u ki\u1ec7n. Ri\u00eang ph\u1ea7n v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t tr\u00e1i lu\u1eadt, th\u00ec c\u0169ng ph\u1ea3i x\u1eed l\u00fd theo lu\u1eadt, t\u1ee9c l\u00e0 lo\u1ea1i tr\u1eeb ph\u1ea7n v\u01b0\u1ee3t qu\u00e1, v\u1eabn \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn ph\u1ea7n ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i trong gi\u1edbi h\u1ea1n, n\u1ebfu nh\u01b0 kh\u00f4ng \u00e1o d\u1ee5ng m\u1ed9t th\u1ee9 lu\u1eadt ri\u00eang cho Navibank trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y.<\/p>\n<p>H\u01a1n th\u1ebf n\u1eefa, 200 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank kh\u00f4ng ph\u1ea3i m\u1edbi g\u1eedi, m\u00e0 l\u00e0 ti\u1ec1n g\u1eedi t\u00e1i t\u1ee5c, v\u00ec \u0111\u00e3 g\u1eedi tr\u01b0\u1edbc \u0111\u00f3 t\u1ea1i Vietinbank Nh\u00e0 B\u00e8, r\u1ed3i m\u1edbi chuy\u1ec3n v\u1ec1 Vietinbank H\u1ed3 Ch\u00ed Minh, t\u1eeb s\u1ed1 ti\u1ec1n 500 t\u1ef7 \u0111\u1ed3ng, \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ea5t to\u00e1n m\u1ed9t c\u00e1ch h\u1ee3p l\u1ec7 300 t\u1ef7 \u0111\u1ed3ng.<\/p>\n<p>Nh\u01b0 v\u1eady, \u00edt nh\u1ea5t l\u00e0 c\u00f3 10 s\u1ef1 th\u1eadt \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n g\u1eedi c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank t\u1ea1i Vietinbank: H\u1ee3p \u0111\u1ed3ng th\u1eadt, n\u1ed9i dung th\u1eadt, ch\u1eef k\u00fd th\u1eadt, con d\u1ea5u th\u1eadt, th\u1ea9m quy\u1ec1n th\u1eadt, t\u00e0i kho\u1ea3n th\u1eadt, ti\u1ec1n g\u1eedi th\u1eadt, h\u1ea1ch to\u00e1n th\u1eadt, s\u1eed d\u1ee5ng th\u1eadt v\u00e0 s\u1ed1 d\u01b0 th\u1eadt t\u1ea1i Vietinbank. \u0110\u00f3 l\u00e0 nh\u1eefng s\u1ef1 th\u1eadt c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt t\u00f4n tr\u1ecdng v\u00e0 b\u1ea3o v\u1ec7. Ch\u1ec9 c\u00f2n m\u1ed9t s\u1ef1 th\u1eadt cu\u1ed1i c\u00f9ng l\u00e0 Vietinbank \u0111\u00e3 t\u1eeb ch\u1ed1i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng s\u1ef1 th\u1eadt tr\u00ean v\u00e0 Vi\u1ec7n ki\u1ec3m s\u00e1t th\u00ec k\u1ebft lu\u1eadn ng\u01b0\u1ee3c l\u1ea1i.<\/p>\n<p><strong>6. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m x\u00e1c \u0111\u1ecbnh m\u1ed9t s\u1ed1 \u0111i\u1ec3m sai l\u1ea7m kh\u00e1c li\u00ean quan \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a Navibank:<\/strong><\/p>\n<p>6.1. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u00e3 kh\u00f4ng tuy\u00ean x\u1eed l\u00fd s\u1ed1 ti\u1ec1n g\u1ed1c 1.858.468.600 \u0111\u1ed3ng c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank \u0111ang c\u00f2n s\u1ed1 d\u01b0 trong c\u00e1c t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i Vietinbank (trong khi l\u1ea1i tuy\u00ean x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi sr\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i c\u1ee7a c\u00e1c nh\u00e2n vi\u00ean ACB). \u0110i\u1ec1u n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn sai l\u1ea7m, Vietinbank ch\u1eb3ng nh\u1eefng kh\u00f4ng ph\u1ea3i b\u1ed3i th\u01b0\u1eddng m\u1ed9t xu n\u00e0o, m\u00e0 c\u00f2n b\u1ed7ng d\u01b0ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt 1.858.468.600 \u0111\u1ed3ng trong c\u00e1c t\u00e0i kho\u1ea3n c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank.<\/p>\n<p>6.2. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u00e3 kh\u00f4ng tuy\u00ean thu h\u1ed3i tang v\u1eadt, ti\u1ec1n do ph\u1ea1m t\u1ed9i m\u00e0 c\u00f3 \u0111\u1ec3 tr\u1ea3 l\u1ea1i Vietinbank, \u0111\u1ec3 Vietinbank tr\u1ea3 l\u1ea1i cho 4 nh\u00e2n vi\u00ean Navibank. C\u1ee5 th\u1ec3 l\u00e0 s\u1ed1 ti\u1ec1n g\u1ea7n 200 t\u1ef7 \u0111\u1ed3ng \u0111\u00e3 chuy\u1ec3n cho 24 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n theo \u201cB\u1ea3ng k\u00ea s\u1ed1 ti\u1ec1n Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t c\u1ee7a Ng\u00e2n h\u00e0ng Nam Vi\u1ec7t chuy\u1ec3n cho c\u00e1c \u0111\u01a1n v\u1ecb, c\u00e1 nh\u00e2n (k\u00e8m theo B\u1ea3n K\u1ebft lu\u1eadn \u0111i\u1ec1u tra s\u1ed1 12\/C46-P10 ng\u00e0y 03-12-2012)\u201d.<\/p>\n<p>6.3. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u00e3 kh\u00f4ng tuy\u00ean tr\u1ea3 l\u1ea1i cho c\u00e1c ch\u1ee7 s\u1edf h\u1eefu h\u1ee3p ph\u00e1p l\u00e0 nh\u1eefng ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, m\u00e0 l\u1ea1i quy\u1ebft \u0111\u1ecbnh xung c\u00f4ng s\u1ed1 ti\u1ec1n 976.654.000.000 \u0111\u1ed3ng, l\u00e0 ti\u1ec1n thu l\u1ee3i b\u1ea5t ch\u00ednh c\u1ee7a 6 b\u1ecb c\u00e1o (Ph\u1ea1m V\u0103n Ch\u00ed, Nguy\u1ec5n Th\u1ecb L\u00e0nh, H\u00f9ng M\u1ef9 Ph\u01b0\u01a1ng, \u0110\u00e0o Th\u1ecb Tuy\u1ebft Dung, Nguy\u1ec5n Thi\u00ean L\u00fd v\u00e0 Ph\u1ea1m Anh Tu\u1ea5n), \u0111\u1ed3ng th\u1eddi c\u0169ng ch\u00ednh l\u00e0 s\u1ed1 ti\u1ec1n b\u1ecb chi\u1ebfm \u0111o\u1ea1t \u0111\u1ec3 tr\u1ea3 n\u1ee3 cho c\u00e1c kho\u1ea3n vay (trang 143, Ph\u1ea7n \u201cQuy\u1ebft \u0111\u1ecbnh\u201d). Nh\u01b0 v\u1eady, quy\u1ebft \u0111\u1ecbnh c\u1ee7a B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u00e3 tr\u00e1i v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 41 v\u1ec1 \u201cT\u1ecbch thu v\u1eadt, ti\u1ec1n tr\u1ef1c ti\u1ebfp li\u00ean quan \u0111\u1ebfn t\u1ed9i ph\u1ea1m\u201d, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1: \u201c<em> \u0110\u1ed1i v\u1edbi v\u1eadt, ti\u1ec1n b\u1ecb ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i chi\u1ebfm \u0111o\u1ea1t ho\u1eb7c s\u1eed d\u1ee5ng tr\u00e1i ph\u00e9p, th\u00ec kh\u00f4ng t\u1ecbch thu m\u00e0 tr\u1ea3 l\u1ea1i cho ch\u1ee7 s\u1edf h\u1eefu ho\u1eb7c ng\u01b0\u1eddi qu\u1ea3n l\u00fd h\u1ee3p ph\u00e1p<\/em>\u201d.<\/p>\n<p>6.4. B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u00e3 kh\u00f4ng tuy\u00ean c\u00e1c b\u1ecb c\u00e1o l\u00e0 nh\u00e2n vi\u00ean c\u1ee7a Vietinbank, ph\u1ea1m \u201cT\u1ed9i vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d g\u00e2y thi\u1ec7t h\u1ea1i cho Vietinbank, m\u00e0 l\u1ea1i x\u00e1c \u0111\u1ecbnh l\u00e0 g\u00e2y thi\u1ec7t h\u1ea1i cho c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c. Nh\u01b0 v\u1eady, B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u00e3 tr\u00e1i v\u1edbi nguy\u00ean t\u1eafc v\u00e0 tinh th\u1ea7n c\u1ee7a \u0110i\u1ec1u 179, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1.<\/p>\n<p><strong>7. K\u1ebft lu\u1eadn v\u00e0 ki\u1ebfn ngh\u1ecb:<\/strong><\/p>\n<p>7.1. T\u00f3m l\u1ea1i, h\u1ed3 s\u01a1 v\u1ee5 \u00e1n v\u00e0 k\u1ebft qu\u1ea3 th\u00e2m v\u1ea5n c\u00f4ng khai t\u1ea1i Phi\u00ean to\u00e0 ph\u00fac th\u1ea9m \u0111\u00e3 cho th\u1ea5y m\u1ed9t s\u1ef1 th\u1eadt r\u00f5 r\u00e0ng l\u00e0: Vietinbank \u0111\u00e3 nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank m\u1ed9t c\u00e1ch h\u1ee3p l\u1ec7, h\u1ee3p ph\u00e1p, ch\u1ee9 kh\u00f4ng ph\u1ea3i Huy\u1ec1n Nh\u01b0. Vietinbank \u0111\u00e3 chuy\u1ec3n s\u1ed1 ti\u1ec1n g\u1eedi sang th\u1ebb ti\u1ebft ki\u1ec7m tr\u00e1i ph\u00e1p lu\u1eadt, ch\u1ee9 kh\u00f4ng ph\u1ea3i Huy\u1ec1n Nh\u01b0. Vietinbank \u0111\u00e3 \u0111\u01b0a th\u1ebb ti\u1ebft ki\u1ec7m v\u00e0o c\u1ea5m c\u1ed1 tr\u00e1i ph\u00e1p lu\u1eadt \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 Huy\u1ec1n Nh\u01b0. Vietinbank \u0111\u00e3 kh\u1ea5u tr\u1eeb ti\u1ec1n g\u1eedi tr\u00e1i ph\u00e1p lu\u1eadt, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 Huy\u1ec1n Nh\u01b0. V\u00e0 v\u00ec th\u1ebf theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u00ec Vietinbank, ch\u1ee9 kh\u00f4ng ph\u1ea3i Huy\u1ec1n Nh\u01b0, ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 ti\u1ec1n g\u1eedi cho 4 nh\u00e2n vi\u00ean Navibank.<\/p>\n<p>7.2. Theo d\u00f5i k\u1ebft lu\u1eadn c\u1ee7a v\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t \u0111\u1ed1i v\u1edbi 5 c\u00f4ng ty v\u00e0 Navibank c\u00f9ng v\u1edbi 4 nh\u00e2n vi\u00ean, ch\u00fang t\u00f4i nh\u1eadn th\u1ea5y m\u1ed9t s\u1ef1 th\u1eadt v\u00e0 l\u00f4 g\u00edc hi\u1ec3n nhi\u00ean l\u00e0, v\u1ec1 c\u01a1 b\u1ea3n, nh\u1eefng g\u00ec sai s\u00f3t \u0111\u1ed1i v\u1edbi Navibank l\u00e0 gi\u1ed1ng v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee7a \u00edt nh\u1ea5t 3\/5 c\u00f4ng ty; nh\u1eefng g\u00ec l\u00e0 sai tr\u00e1i c\u1ee7a Vietinbank v\u00e0 nh\u1eefng g\u00ec l\u00e0 s\u1ef1 h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7 \u0111\u1ed1i v\u1edbi 5 c\u00f4ng ty c\u0169ng ho\u00e0n to\u00e0n gi\u1ed1ng v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee7a Navibank; nh\u01b0ng r\u1ea5t \u0111\u00e1ng ti\u1ebfc l\u00e0 Vi\u1ec7n ki\u1ec3m s\u00e1t l\u1ea1i k\u1ebft lu\u1eadn hai h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd ho\u00e0n to\u00e0n tr\u00e1i ng\u01b0\u1ee3c nhau? D\u01b0\u1eddng nh\u01b0 c\u00f3 2 v\u1ee5 \u00e1n kh\u00e1c nhau, ng\u01b0\u1ee3c chi\u1ec1u nhau \u0111\u1ed1i v\u1edbi c\u00f9ng c\u00e1c \u0111\u01b0\u01a1ng s\u1ef1 nh\u01b0 nhau. \u0110\u00f3 l\u00e0 \u0111i\u1ec1u kh\u00f4ng \u0111\u00fang ph\u00e1p lu\u1eadt v\u00e0 sai v\u1edbi b\u1ea3n ch\u1ea5t s\u1ef1 vi\u1ec7c.<\/p>\n<p>7.3. V\u1edbi nhi\u1ec1u sai l\u1ea7m nh\u01b0 tr\u00ean, c\u00f9ng v\u1edbi nhi\u1ec1u sai s\u00f3t kh\u00e1c m\u00e0 v\u1ecb \u0111\u1ea1i di\u1ec7n Vi\u1ec7n ki\u1ec3m s\u00e1t \u0111\u00e3 k\u1ebft lu\u1eadn, c\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 250 v\u1ec1 \u201cH\u1ee7y b\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u1ec3 \u0111i\u1ec1u tra l\u1ea1i ho\u1eb7c x\u00e9t x\u1eed l\u1ea1i\u201d, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng h\u00ecnh s\u1ef1 n\u0103m 2003, k\u00ednh \u0111\u1ec1 ngh\u1ecb H\u1ed9i \u0111\u1ed3ng x\u00e9t x\u1eed tuy\u00ean hu\u1ef7 \u00e1n s\u01a1 th\u1ea9m \u0111\u1ed1i v\u1edbi ph\u1ea7n li\u00ean quan \u0111\u1ebfn Navibank v\u00e0 4 nh\u00e2n vi\u00ean Navibank.\u0111\u1ec3 \u0111i\u1ec1u tra v\u00e0 x\u00e9t x\u1eed l\u1ea1i theo h\u01b0\u1edbng sau:<\/p>\n<ul>\n<li>\u0110i\u1ec1u tra, x\u00e9t x\u1eed c\u00e1c h\u00e0nh vi tham \u00f4 200 t\u1ef7 \u0111\u1ed3ng l\u00e0 t\u00e0i s\u1ea3n c\u1ee7a Viettinbank thay v\u00ec l\u1eeba \u0111\u1ea3o 4 nh\u00e2n vi\u00ean Navibank;<\/li>\n<li>Bu\u1ed9c Vietinbank tr\u1ea3 l\u1ea1i 4 nh\u00e2n vi\u00ean Navibank 200 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1ed1c v\u00e0 ti\u1ec1n l\u00e3i l\u00e0 s\u1ed1 ti\u1ec1n g\u1eedi h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7 c\u1ee7a kh\u00e1ch h\u00e0ng;<\/li>\n<li>Thu h\u1ed3i tang v\u1eadt, ti\u1ec1n do ph\u1ea1m t\u1ed9i m\u00e0 c\u00f3 \u0111\u1ec3 tr\u1ea3 l\u1ea1i Vietinbank, \u0111\u1ec3 Vietinbank tr\u1ea3 l\u1ea1i cho 4 nh\u00e2n vi\u00ean Navibank;<\/li>\n<li>Tr\u1ea3 l\u1ea1i cho c\u00e1c ch\u1ee7 s\u1edf h\u1eefu h\u1ee3p ph\u00e1p c\u00e1c kho\u1ea3n ti\u1ec1n thu l\u1ee3i b\u1ea5t ch\u00ednh b\u1ecb xung c\u00f4ng, v\u00ec \u0111\u00f3 ch\u00ednh l\u00e0 s\u1ed1 ti\u1ec1n b\u1ecb chi\u1ebfm \u0111o\u1ea1t \u0111\u1ec3 tr\u1ea3 n\u1ee3 cho c\u00e1c kho\u1ea3n vay.<\/li>\n<li>Nh\u1eefng n\u1ed9i dung \u0111\u1ec1 ngh\u1ecb tr\u00ean, kh\u00f4ng ch\u1ec9 l\u00e0 vi\u1ec7c b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a Navibank, m\u00e0 c\u00f2n l\u00e0 y\u00eau c\u1ea7u t\u1ea5t y\u1ebfu nh\u1eb1m b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n t\u1ea1i Vietinbank n\u00f3i ri\u00eang v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng n\u00f3i chung, \u0111\u1ed3ng th\u1eddi g\u00f3p ph\u1ea7n b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n, l\u00e0nh m\u1ea1nh c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, tr\u00e1nh nguy c\u01a1 s\u1eeda sai B\u1ea3n \u00e1n s\u01a1 th\u1ea9m b\u1eb1ng m\u1ed9t b\u1ea3n \u00e1n sai l\u1ea7m kh\u00e1c.<\/li>\n<\/ul>\n<p><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 LU\u1eacT S\u01af<\/strong><\/p>\n<p><strong><em>N\u01a1i nh\u1eadn:<\/em><\/strong><\/p>\n<ul>\n<li>H\u0110XX;<\/li>\n<li>NCB;<\/li>\n<li>Cty Lu\u1eadt Di\u00ean H\u1ed3ng;<\/li>\n<li>Cty Lu\u1eadt BASICO;<\/li>\n<li>L\u01b0u: HSVA.<\/li>\n<\/ul>\n<p><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/p>\n<p>&nbsp;","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC, tr\u00ecnh b\u00e0y t\u1ea1i Phi\u00ean to\u00e0 Ph\u00fac th\u1ea9m c\u1ee7a TAND t\u1ed1i cao t\u1ea1i TP HCM x\u00e9t x\u1eed v\u1ee5 \u00e1n Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 v\u00e0 c\u00e1c b\u1ecb c\u00e1c kh\u00e1c ph\u1ea1m t\u1ed9i \u201cL\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d, \u201cCho vay l\u00e3i [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":35335,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-35332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","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>233b. Lu\u1eadn c\u1ee9 B\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a nguy\u00ean \u0111\u01a1n Navibank  - 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\/233b-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-nguyen-don-navibank\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]233b. Lu\u1eadn c\u1ee9 B\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a nguy\u00ean \u0111\u01a1n Navibank [:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) &#8211; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC, tr\u00ecnh b\u00e0y t\u1ea1i Phi\u00ean to\u00e0 Ph\u00fac th\u1ea9m c\u1ee7a TAND t\u1ed1i cao t\u1ea1i TP HCM x\u00e9t x\u1eed v\u1ee5 \u00e1n Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0 v\u00e0 c\u00e1c b\u1ecb c\u00e1c kh\u00e1c ph\u1ea1m t\u1ed9i \u201cL\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d, \u201cCho vay l\u00e3i [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/233b-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-nguyen-don-navibank\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2014-12-25T03:07:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-26T03:18:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2014\/12\/Luat-su-2014.12.29-Phuc-tham-Huyen-Nhu.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"270\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"32 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/233b-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-nguyen-don-navibank\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/233b-luan-cu-bao-ve-quyen-va-loi-ich-hop-phap-cua-nguyen-don-navibank\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"233b. 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