{"id":35351,"date":"2014-12-29T06:50:43","date_gmt":"2014-12-28T23:50:43","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=35351"},"modified":"2022-12-29T07:06:37","modified_gmt":"2022-12-29T00:06:37","slug":"233c-doi-dap-bao-ve-quyen-va-loi-ich-hop-phap-cua-nguyen-don-navibank","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/233c-doi-dap-bao-ve-quyen-va-loi-ich-hop-phap-cua-nguyen-don-navibank\/","title":{"rendered":"233c. \u0110\u1ed1i \u0111\u00e1p B\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a nguy\u00ean \u0111\u01a1n Navibank"},"content":{"rendered":"
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(ANVI) – \u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c tr\u00ecnh b\u00e0y t\u1ea1i Phi\u00ean to\u00e0 Ph\u00fac th\u1ea9m v\u1ee5 si\u00eau l\u1eeba Huy\u1ec1n Nh\u01b0 ng\u00e0y 29-12-2014:<\/div>\n
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I. 10 V\u00cd D\u1ee4 L\u00c0M R\u00d5 SAI PH\u1ea0M C\u1ee6A VIETINBANK:<\/div>\n
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T\u00f4i xin ph\u00e9p \u0111\u01b0\u1ee3c l\u1ea5y 10 v\u00ed d\u1ee5 h\u1ebft s\u1ee9c ng\u1eafn g\u1ecdn v\u1ec1 l\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng d\u1eabn \u0111\u1ebfn thi\u1ec7t h\u1ea1i theo 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 m\u00e0 \u0111\u1ea1i di\u1ec7n NHNN v\u00e0 Vietinbank kh\u00f4ng l\u1ea5y \u0111\u01b0\u1ee3c v\u00ed d\u1ee5 theo y\u00eau c\u1ea7u c\u1ee7a H\u0110XX.<\/div>\n
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1. V\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n\u201d:<\/div>\n<\/div>\n
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Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 10, Quy ch\u1ebf 1284: \u201cCh\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng sai s\u00f3t hay h\u00e0nh vi l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n do l\u1ed7i c\u1ee7a m\u00ecnh.\u201d<\/div>\n
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1.1. Kh\u00e1ch h\u00e0ng ghi nh\u1ea7m s\u1ed1 ti\u1ec1n, s\u1ed1 t\u00e0i kho\u1ea3n, \u0111\u1ecba ch\u1ec9 chuy\u1ec3n ti\u1ec1n, d\u1eabn \u0111\u1ebfn vi\u1ec7c ng\u00e2n h\u00e0ng chuy\u1ec3n ti\u1ec1n theo l\u1ec7nh nh\u1ea7m, l\u00e0m m\u1ea5t ti\u1ec1n.<\/div>\n
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1.2. Kh\u00e1ch h\u00e0ng k\u00fd kh\u1ed1ng l\u1ec7nh chi, \u0111\u1ec3 cho k\u1ebb gian l\u1ee3i d\u1ee5ng mang ra ng\u00e2n h\u00e0ng r\u00fat m\u1ea5t ti\u1ec1n.<\/div>\n
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1.3. Kh\u00e1ch h\u00e0ng kh\u00f4ng th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi cho ng\u00e2n h\u00e0ng v\u1ec1 vi\u1ec7c h\u1ebft hi\u1ec7u l\u1ef1c c\u1ee7a ch\u1eef k\u00fd u\u1ef7 quy\u1ec1n, d\u1eabn \u0111\u1ebfn vi\u1ec7c ng\u00e2n h\u00e0ng v\u1eabn th\u1ef1c hi\u1ec7n l\u1ec7nh chi \u0111\u00f3, l\u00e0m m\u1ea5t ti\u1ec1n.<\/div>\n
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1.4. Kh\u00e1ch h\u00e0ng kh\u00f4ng th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi cho ng\u00e2n h\u00e0ng v\u1ec1 vi\u1ec7c m\u1ea5t s\u00e9c r\u00fat ti\u1ec1n m\u1eb7t, \u0111\u1ec3 cho k\u1ebb gian r\u00fat m\u1ea5t ti\u1ec1n.<\/div>\n
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1.5. Kh\u00e1ch h\u00e0ng l\u00e0m l\u1ed9 m\u1eadt kh\u1ea9u d\u1ecbch v\u1ee5 giao d\u1ecbch \u0111i\u1ec7n t\u1eed c\u1ee7a m\u00ecnh, \u0111\u1ec3 cho k\u1ebb gian r\u00fat m\u1ea5t ti\u1ec1n.<\/div>\n
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2. V\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng\u201d:<\/div>\n
Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 8, \u0110i\u1ec1u 12, Quy ch\u1ebf 1284: \u201cCh\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i, vi ph\u1ea1m, l\u1ee3i d\u1ee5ng tr\u00ean t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng do l\u1ed7i c\u1ee7a m\u00ecnh.\u201d<\/div>\n
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2.1. Ng\u00e2n h\u00e0ng chuy\u1ec3n thi\u1ebfu ti\u1ec1n ho\u1eb7c th\u1eeba ti\u1ec1n theo l\u1ec7nh chi c\u1ee7a kh\u00e1ch h\u00e0ng, g\u00e2y thi\u1ec7t h\u1ea1i.<\/div>\n
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2.2. Ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n l\u1ec7nh chi m\u00e0 kh\u00f4ng ph\u00e1t hi\u1ec7n ra ch\u1eef k\u00fd ho\u1eb7c con d\u1ea5u gi\u1ea3 m\u1ea1o kh\u00e1ch h\u00e0ng, l\u00e0m m\u1ea5t ti\u1ec1n.<\/div>\n
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2.3. Ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n l\u1ec7nh chi m\u00e0 kh\u00f4ng ph\u00e1t hi\u1ec7n ra ch\u1ee9ng minh nh\u00e2n d\u00e2n gi\u1ea3 kh\u00e1ch h\u00e0ng.<\/div>\n
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2.4. C\u00e1n b\u1ed9, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng v\u00f4 t\u00ecnh hay c\u1ed1 \u00fd th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi l\u00e0m m\u1ea5t ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/div>\n
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2.5. Ng\u00e2n h\u00e0ng l\u00e0m l\u1ed9 m\u1eadt kh\u1ea9u d\u1ecbch v\u1ee5 giao d\u1ecbch \u0111i\u1ec7n t\u1eed c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ec3 cho k\u1ebb gian r\u00fat m\u1ea5t ti\u1ec1n.<\/div>\n
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II. 10 LU\u1eacN \u0110I\u1ec2M PHI L\u00dd C\u1ee6A VIETINBANK:<\/div>\n
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1. V\u1ec1 ngu\u1ed3n g\u1ed1c c\u1ee7a ti\u1ec1n g\u1eedi:<\/div>\n<\/div>\n
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Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, vi\u1ec7c Navibank cho 4 nh\u00e2n vi\u00ean vay v\u1ed1n \u0111\u1ec3 g\u1eedi v\u00e0o Vietinbank l\u00e0 tr\u00e1i ph\u00e1p lu\u1eadt, cho n\u00ean d\u00f9 g\u1eedi ti\u1ec1n c\u00f3 h\u1ee3p l\u1ec7, h\u1ee3p ph\u00e1p th\u00ec c\u0169ng m\u1ea5t ti\u1ec1n.<\/div>\n
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V\u00ec \u0111\u00f3 l\u00e0 m\u1ed9t quan h\u1ec7 kh\u00e1c v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m kh\u00e1c. H\u00e3y \u0111i v\u00e0o b\u1ea3n ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1 g\u1eedi ti\u1ec1n. Vietinbank c\u00f3 th\u1ec3 kh\u00f4ng bi\u1ebft v\u1ec1 vi\u1ec7c t\u1ea1i sao ti\u1ec1n g\u1eedi l\u1ea1i c\u1ee9 ch\u1ea1y v\u00e0o ng\u00e2n h\u00e0ng m\u00ecnh. Nh\u01b0ng Vietinbank kh\u00f4ng th\u1ec3 kh\u00f4ng bi\u1ebft ti\u1ec1n ch\u1ea1y kh\u1ecfi h\u1ec7 th\u1ed1ng c\u1ee7a m\u00ecnh l\u00e0 \u0111\u00fang hay sai. D\u00f9 Vietinbank bi\u1ebft hay kh\u00f4ng bi\u1ebft trong tr\u01b0\u1eddng h\u1ee3p ti\u1ec1n ra, th\u00ec c\u0169ng v\u1eabn \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 m\u1ea5t ti\u1ec1n c\u1ee7a ch\u00ednh m\u00ecnh.<\/div>\n
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2. V\u1ec1 tho\u1ea3 thu\u1eadn ng\u1ea7m l\u00e3i su\u1ea5t:<\/div>\n
Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, vi\u1ec7c tho\u1ea3 thu\u1eadn ng\u1ea7m v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 m\u1ea5t ti\u1ec1n.<\/div>\n<\/div>\n
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V\u00ec \u0111\u00fang l\u00e0 c\u00f3 vi\u1ec7c \u1ea5y, nh\u01b0ng c\u00e1i g\u1ed1c tr\u00e1i ph\u00e1p lu\u1eadt ch\u00ednh l\u00e0 Vietinbank m\u00e0 Huy\u1ec1n Nh\u01b0 l\u00e0 \u0111\u1ea1i di\u1ec7n h\u1ee3p ph\u00e1p. \u0110\u1eb7c bi\u1ec7t, \u0111\u00f3 c\u00f2n l\u00e0 ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a ban l\u00e3nh \u0111\u1ea1o Vietinbank. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 t\u1ea1i trang 12 K\u1ebft lu\u1eadn \u0111i\u1ec1u tra v\u00e0 trang 31 B\u1ea3n \u00e1n s\u01a1 th\u1ea9m r\u1eb1ng, L\u00e3nh \u0111\u1ea1o Vietinbank HCM \u0111\u00e3 ch\u1ea5p nh\u1eadn k\u00fd 2 h\u1ee3p \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t 14,5%\/n\u0103m, v\u01b0\u1ee3t tr\u1ea7n 0,5%.<\/div>\n
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\u0110\u1eb7c bi\u1ec7t, l\u00e2u nay B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 13,5%\/n\u0103m. Nh\u01b0ng n\u1ebfu c\u1ee9 cho vay l\u00ean \u0111\u1ebfn 100%\/n\u0103m th\u00ec sao? Xin kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng, h\u00e0ng ng\u00e0n v\u1ee5 \u00e1n do c\u00e1c c\u1ea5p to\u00e0 \u00e1n t\u1eeb qu\u1eadn huy\u1ec7n cho \u0111\u1ebfn t\u1ed1i cao \u0111\u1ec1u \u0111\u00e3, \u0111ang v\u00e0 s\u1ebd ph\u00e1n quy\u1ebft c\u00f4ng nh\u1eadn ph\u1ea7n 13,5% l\u00e0 h\u1ee3p ph\u00e1p v\u00e0 ch\u1ec9 g\u1ea1t b\u1ecf ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 13,5%.<\/div>\n
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3. V\u1ec1 vi\u1ec7c b\u1ecbt m\u1eaft kh\u00e1ch h\u00e0ng:<\/div>\n
Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, kh\u00e1ch h\u00e0ng b\u1ecb b\u1ecbt m\u1eaft v\u00ec l\u00e3i su\u1ea5t cao c\u1ee7a Huy\u1ec1n Nh\u01b0 gi\u0103ng ra.<\/div>\n
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V\u00ec Huy\u1ec1n Nh\u01b0 \u0111\u00e3 b\u1ecbt m\u1eaft kh\u00e1ch h\u00e0ng khi nh\u1eadn g\u1eedi ti\u1ec1n v\u00e0o Vietinbank. Nh\u01b0ng nguy hi\u1ec3m h\u01a1n g\u1ea5p nhi\u1ec1u l\u1ea7n l\u00e0, Huy\u1ec1n Nh\u01b0 c\u0169ng \u0111\u00e3 b\u1ecbt m\u1eaft Vietinbank khi r\u00fat ti\u1ec1n ra kh\u1ecfi Vietinbank. M\u00e0 vi\u1ec7c b\u1ecb b\u1ecbt m\u1eaft \u0111\u1ec3 cho ti\u1ec1n ch\u1ea1y kh\u1ecfi ng\u00e2n h\u00e0ng th\u00ec m\u1edbi m\u1ea5t ti\u1ec1n.<\/div>\n
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4. V\u1ec1 vi\u1ec7c s\u1eadp b\u1eaby l\u1eeba \u0111\u1ea3o:<\/div>\n
Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, kh\u00e1ch h\u00e0ng l\u00e0 con m\u1ed3i h\u00e1m l\u1ee3i, b\u1ecb s\u1eadp b\u1eaby c\u1ee7a Huy\u1ec1n Nh\u01b0 n\u00ean \u0111\u00e3 b\u1ecb m\u1ea5t ti\u1ec1n g\u1eedi.<\/div>\n
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V\u00ec kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u00e3 h\u00e1m l\u1ee3i v\u00e0 s\u1eadp b\u1eaby c\u1ee7a Huy\u1ec1n Nh\u01b0 khi g\u1eedi ti\u1ec1n v\u00e0o Vietinbank.<\/div>\n
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Nh\u01b0ng quan tr\u1ecdng h\u01a1n, ch\u00ednh Vietinbank \u0111\u00e3 s\u1eadp b\u1eaby c\u1ee7a Huy\u1ec1n Nh\u01b0 khi \u0111\u1ec3 ti\u1ec1n b\u1ecb r\u00fat kh\u1ecfi Vietinbank. Ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng th\u00ec sao ph\u1ea3i quan t\u00e2m \u0111\u1ebfn \u0111\u00fang sai, ti\u1ec1n ra m\u1ea5t kh\u1ecfi ng\u00e2n h\u00e0ng th\u00ec m\u1edbi l\u00e0 t\u1ed9i l\u1ed7i.<\/div>\n
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5. V\u1ec1 vi\u1ec7c theo d\u00f5i t\u00e0i kho\u1ea3n:<\/div>\n
Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, v\u00ec kh\u00e1ch h\u00e0ng th\u1edd \u01a1, b\u1ecf m\u1eb7c, kh\u00f4ng quan t\u00e2m \u0111\u1ebfn vi\u1ec7c theo d\u00f5i, qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, n\u00ean m\u1ea5t ti\u1ec1n.<\/div>\n
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V\u00ec kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m theo d\u00f5i, qu\u1ea3n l\u00fd thay Vietinbank thu\u1ed9c v\u1ec1 ph\u1ea7n ngh\u0129a v\u1ee5 theo d\u00f5i, qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n \u1edf ph\u00eda n\u1ed9i b\u1ed9 c\u1ee7a Vietinbank. N\u1ebfu Vietinbank l\u00e0m \u0111\u00fang lu\u1eadt, th\u00ec d\u00f9 5 n\u0103m, 10 n\u0103m, 20 n\u0103m ho\u1eb7c l\u00e2u h\u01a1n n\u1eefa th\u00ec ti\u1ec1n g\u1eedi v\u1eabn l\u00e0 ti\u1ec1n, v\u1eabn c\u00f2n nguy\u00ean v\u1eb9n g\u1ed1c, ch\u1ec9 c\u00f3 c\u1ed9ng th\u00eam l\u00e3i.<\/div>\n
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6. V\u1ec1 vi\u1ec7c ti\u1ec1n vay c\u1ee7a ai?<\/div>\n
Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, vi\u1ec7c cho vay c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m, l\u00e0 vi\u1ec7c \u1ee9ng tr\u01b0\u1edbc ti\u1ec1n c\u1ee7a ch\u00ednh kh\u00e1ch h\u00e0ng vay.<\/div>\n
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V\u00ec trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, cho vay \u0111\u1ec1u l\u00e0 \u1ee9ng tr\u01b0\u1edbc ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng. Ch\u1ec9 c\u00f3 mua b\u00e1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 th\u00ec m\u1edbi l\u00e0 \u1ee9ng tr\u01b0\u1edbc ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng. Nh\u01b0ng \u0111\u00e1ng ti\u1ebfc r\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 v\u00e0 \u0111\u00e2y l\u00e0 cho vay c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m th\u00ec v\u1eabn quan h\u1ec7 cho vay, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 chi\u1ebft kh\u1ea5u hay mua b\u00e1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1.<\/div>\n
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7. V\u1ec1 vi\u1ec7c kh\u1ea5u tr\u1eeb ti\u1ec1n g\u1eedi:<\/div>\n
Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, theo tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u00ec Vietinbank \u0111\u01b0\u1ee3c quy\u1ec1n t\u1ef1 \u0111\u1ed9ng tr\u00edch ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 t\u1ea5t to\u00e1n kho\u1ea3n vay.<\/div>\n
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V\u00ec kh\u00f4ng ai l\u1ea1i \u0111i l\u00fd gi\u1ea3i m\u1ed9t h\u00e0nh \u0111\u1ed9ng \u0111\u00fang lu\u1eadt d\u1ef1a tr\u00ean m\u1ed9t h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 gi\u1ea3, ho\u00e0n to\u00e0n tr\u00e1i lu\u1eadt?<\/div>\n
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8. V\u1ec1 vi\u1ec7c ti\u1ec1n b\u1ecb chi\u1ebfm \u0111o\u1ea1t:<\/div>\n
Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, Huy\u1ec1n Nh\u01b0 chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng.<\/div>\n
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V\u00ec Huy\u1ec1n Nh\u01b0 ch\u1ec9 chi\u1ebfm \u0111o\u1ea1t \u0111\u01b0\u1ee3c ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng n\u1ebfu nh\u01b0 h\u1ecd b\u1ecb d\u1eabn d\u1ee5 chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n gi\u1ea3, t\u00e0i kho\u1ea3n l\u1eeba \u0111a, t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c m\u00e0 kh\u00f4ng r\u00f5 ti\u1ec1n \u0111i \u0111\u00e2u v\u1ec1 \u0111\u00e2u. C\u00f2n trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 472 v\u1ec1 \u201cQuy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005: \u201cB\u00ean vay tr\u1edf th\u00e0nh ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n vay k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m nh\u1eadn t\u00e0i s\u1ea3n \u0111\u00f3.\u201d. C\u00f2n g\u00ec v\u00f4 l\u00fd h\u01a1n khi nh\u00e2n vi\u00ean Vietinbank l\u1ee3i d\u1ee5ng ch\u1ee9c v\u1ee5, quy\u1ec1n h\u1ea1n r\u00fat ru\u1ed9t ti\u1ec1n thu\u1ed9c quy\u1ec1n s\u1edf c\u1ee7a ch\u00ednh Vietinbank, nh\u01b0ng l\u1ea1i g\u00e2y thi\u1ec7t h\u1ea1i cho ng\u00e2n h\u00e0ng kh\u00e1c?<\/div>\n
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9. V\u1ec1 th\u1ea9m quy\u1ec1n c\u1ee7a Huy\u1ec1n Nh\u01b0:<\/div>\n
Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, Huy\u1ec1n Nh\u01b0 kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi qu\u1ea3n l\u00fd c\u1ee7a Vietinbank, n\u00ean kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n, n\u00ean Vietinbank c\u0169ng kh\u1ecfi ch\u1ecbu tr\u00e1ch nhi\u1ec7m.<\/div>\n
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V\u00ec \u0111\u00fang l\u00e0 Huy\u1ec1n Nh\u01b0 kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi qu\u1ea3n l\u00fd ph\u00e1p nh\u00e2n, nh\u01b0ng kh\u00f4ng th\u1ebf ch\u1ed1i c\u00e3i r\u1eb1ng, Tr\u01b0\u1edfng ph\u00f2ng Vietinbank m\u00e0 l\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n qu\u1ea3n l\u00fd c\u00f4ng vi\u1ec7c, qu\u1ea3n l\u00fd nghi\u1ec7p v\u1ee5 v\u00e0 qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n.<\/div>\n
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10. V\u1ec1 tr\u00e1ch nhi\u1ec7m v\u1edbi ti\u1ec1n g\u1eedi:<\/div>\n
Xin \u0111\u1eebng c\u00e3i r\u1eb1ng, ti\u1ec1n g\u1eedi trong t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 chuy\u1ec7n c\u1ee7a kh\u00e1ch h\u00e0ng, Vietinbank kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c m\u1ea5t c\u00f2n s\u1ed1 ti\u1ec1n \u0111\u00f3, d\u00f9 kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 l\u1ed7i trong vi\u1ec7c h\u00e0ng tr\u0103m t\u1ef7 t\u1ef1 nhi\u00ean \u0111\u1ed9i n\u00f3n ra \u0111i.<\/div>\n
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V\u00ec nh\u01b0 v\u1eady th\u00ec Vietinbank kh\u00f4ng c\u00f2n l\u00e0 ng\u00e2n h\u00e0ng, v\u00ec kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c ti\u00eau chu\u1ea9n t\u1ed1i thi\u1ec3u nh\u1ea5t \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/div>\n
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III. K\u1ebeT LU\u1eacN V\u1ec0 M\u00c2U THU\u1eaaN V\u00c0 NGH\u1ecaCH L\u00dd C\u1ee6A VKS:<\/div>\n<\/div>\n
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1. K\u1ebft lu\u1eadn c\u1ee7a VKS:<\/div>\n<\/div>\n
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1.1. Khi ph\u00e2n t\u00edch v\u1ec1 c\u00e1c giao d\u1ecbch h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7 c\u1ee7a 5 c\u00f4ng ty v\u00e0 v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a Vietinbank \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng: Kh\u00f4ng c\u00f2n g\u00ec \u0111\u00fang \u0111\u1eafn, ch\u00ednh x\u00e1c, h\u1ee3p t\u00ecnh, h\u1ee3p l\u00fd, h\u1ee3p ph\u00e1p, \u0111\u1ea7y \u0111\u1ee7, ch\u1eb7t ch\u1ebd, thuy\u1ebft ph\u1ee5c h\u01a1n l\u1eadp lu\u1eadn c\u1ee7a Ki\u1ec3m s\u00e1t vi\u00ean.<\/div>\n
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1.2. Nh\u01b0ng, ch\u00ednh \u0111i\u1ec1u \u0111\u00f3 l\u1ea1i l\u00e0 s\u1ef1 kh\u00f4ng th\u1ec3 t\u01b0\u1edfng t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c, v\u00ec n\u00f3 l\u1ea1i m\u00e2u thu\u1eabn kh\u1ee7ng khi\u1ebfp, tr\u00e1i ng\u01b0\u1ee3c 180 \u0111\u1ed9, \u0111\u1ea3o l\u1ed9n t\u1ea5t c\u1ea3 \u0111\u1ed1i v\u1edbi ph\u1ea7n ti\u1ec1n g\u1eedi c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank. Th\u1eadm ch\u00ed, v\u00f4 l\u00fd \u0111\u1ebfn m\u1ee9c Vietinbank \u0111\u00e3 kh\u00f4ng ph\u1ea3i ch\u1ecbu b\u1ed3i th\u01b0\u1eddng, l\u1ea1i c\u00f2n \u0111\u01b0\u1ee3c “t\u1eb7ng th\u00eam” h\u01a1n 1,8 t\u1ef7 \u0111\u1ed3ng, m\u00e0 VKS v\u1eabn kh\u00f4ng \u0111\u1ed1i \u0111\u00e1p.<\/div>\n
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2. M\u00e2u thu\u1eabn c\u1ee7a VKS:<\/div>\n
2.1. Kh\u00f4ng th\u1ec3 n\u1ea3o hi\u1ec3u n\u1ed5i, VKS \u0111\u00e3 \u0111\u1ed3ng t\u00ecnh v\u1edbi c\u00e1c \u00fd ki\u1ebfn c\u1ee7a t\u00f4i v\u1ec1 5 sai l\u1ea7m c\u1ee7a B\u1ea3n \u00e1n s\u01a1 th\u1ea9m \u0111\u1ed1i v\u1edbi Navibank, g\u1ed3m:<\/div>\n
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– X\u00e1c \u0111\u1ecbnh sai t\u01b0 c\u00e1ch tham gia t\u1ed1 t\u1ee5ng c\u1ee7a Navibank;<\/div>\n
– X\u00e1c \u0111\u1ecbnh sai vi\u1ec7c g\u1eedi ti\u1ec1n c\u1ee7a 4 nh\u00e2n vi\u00ean Navibank;<\/div>\n
– 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;<\/div>\n
– X\u00e1c \u0111\u1ecbnh sai tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 ti\u1ec1n g\u1eedi cho 4 nh\u00e2n vi\u00ean Navibank;<\/div>\n
– 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.<\/div>\n
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2.2. \u0110\u00f3 \u0111\u1ec1u l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng li\u00ean quan \u0111\u1ebfn c\u1ea3 t\u1ed9i danh v\u00e0 tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, m\u00e0 B\u1ea3n \u00e1n ph\u00fac th\u1ea9m kh\u00f4ng th\u1ec3 n\u00e0o s\u1eeda ch\u1eefa \u0111\u01b0\u1ee3c. Nh\u01b0ng th\u1eadt l\u00e0 m\u00e2u thu\u1eabn khi KSV l\u1ea1i ch\u1ec9 x\u00e1c \u0111\u1ecbnh \u0111\u00f3 l\u00e0 nghi\u00eam tr\u1ecdng v\u1edbi 5 c\u00f4ng ty, c\u00f2n kh\u00f4ng h\u1ec1 c\u00f3 ngh\u0129a l\u00fd g\u00ec v\u1edbi Navibank.<\/div>\n
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3. Ngh\u1ecbch l\u00fd c\u1ee7a VKS:<\/div>\n
N\u1ebfu c\u1ee9 theo \u00fd ki\u1ebfn c\u1ee7a VKS \u0111\u1ed1i v\u1edbi Navibank, th\u00ec B\u1ea3n \u00e1n ph\u00fac th\u1ea9m s\u1eafp tuy\u00ean c\u00f3 nguy c\u01a1 ph\u1ea3i ch\u1ea5p nh\u1eadn ngh\u1ecbch l\u00fd ch\u1eb7t \u0111\u00f4i gi\u1eefa ng\u1ecdn v\u00e0 g\u1ed1c c\u1ee7a 1 s\u1ef1 vi\u1ec7c, chia \u0111\u00f4i 1 nh\u00f3m n\u1ea1n nh\u00e2n, t\u00e1ch \u0111\u00f4i 1 s\u1ef1 th\u1eadt, x\u1ebb \u0111\u00f4i 1 b\u1ea3n ch\u1ea5t v\u1ea5n \u0111\u1ec1, ch\u1ebb \u0111\u00f4i 1 \u0111i\u1ec1u lu\u1eadt, \u0111\u1ec3 th\u00e0nh 2 ph\u00e1n quy\u1ebft ho\u00e0n to\u00e0n tr\u00e1i ng\u01b0\u1ee3c nhau.<\/div>\n
<\/div>\n<\/div>\n
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Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c.<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

(ANVI) – \u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c tr\u00ecnh b\u00e0y t\u1ea1i Phi\u00ean to\u00e0 Ph\u00fac th\u1ea9m v\u1ee5 si\u00eau l\u1eeba Huy\u1ec1n Nh\u01b0 ng\u00e0y 29-12-2014: I. 10 V\u00cd D\u1ee4 L\u00c0M R\u00d5 SAI PH\u1ea0M C\u1ee6A VIETINBANK: T\u00f4i xin ph\u00e9p \u0111\u01b0\u1ee3c l\u1ea5y 10 v\u00ed d\u1ee5 h\u1ebft s\u1ee9c ng\u1eafn g\u1ecdn v\u1ec1 l\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng d\u1eabn \u0111\u1ebfn thi\u1ec7t h\u1ea1i […]<\/p>\n","protected":false},"author":2,"featured_media":35353,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-35351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n233c. \u0110\u1ed1i \u0111\u00e1p B\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a nguy\u00ean \u0111\u01a1n Navibank - 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