{"id":35778,"date":"2023-02-16T21:12:07","date_gmt":"2023-02-16T14:12:07","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=35778"},"modified":"2024-12-03T20:39:06","modified_gmt":"2024-12-03T13:39:06","slug":"407-binh-luan-ve-viec-ngan-hang-ep-khach-hang-mua-bao-hiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/407-binh-luan-ve-viec-ngan-hang-ep-khach-hang-mua-bao-hiem\/","title":{"rendered":"407. B\u00ecnh lu\u1eadn v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m."},"content":{"rendered":"<h4><span style=\"color: #723918;\">B\u00ecnh lu\u1eadn v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m.<\/span><\/h4>\n<h5>(<strong><a href=\"https:\/\/anvilaw.com\"><span style=\"color: #713817;\">ANVI<\/span><\/a><\/strong>) &#8211; \u00c9p d\u1ea7u, \u00e9p m\u1ee1, ai n\u1ee1 \u00e9p nhau<\/h5>\n<p>Kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u0111au h\u01a1n ho\u1ea1n.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/8-5-350x198.jpeg\" alt=\"B\u00ecnh lu\u1eadn v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m.\" width=\"350\" height=\"198\" \/><\/p>\n<h5><strong>1. V\u1ec1 ph\u00eda b\u1ea3o hi\u1ec3m:<\/strong><\/h5>\n<p><em>Th\u1ee9<\/em> <em>nh\u1ea5t,<\/em> s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m l\u00e0 hay, l\u00e0 t\u1ed1t v\u00e0 c\u1ea7n thi\u1ebft nh\u01b0ng b\u00e1n r\u1ea5t kh\u00f3, n\u00ean b\u1ea3o hi\u1ec3m ph\u1ea3i ch\u1ea5p nh\u1eadn chi ph\u00ed b\u00e1n h\u00e0ng cao, t\u1ee9c tr\u1ea3 th\u00f9 lao (ti\u1ec1n c\u00f4ng, ph\u00ed, hoa h\u1ed3ng) cao. \u0110\u00f3 c\u0169ng l\u00e0 l\u00fd do h\u1ea5p d\u1eabn n\u00ean c\u00f3 r\u1ea5t nhi\u1ec1u \u0111\u1ea1i l\u00fd b\u00e1n b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 c\u00f3 ng\u00e2n h\u00e0ng.<\/p>\n<p><em>Th\u1ee9<\/em> <em>hai,<\/em> c\u1ea3 kh\u00e1ch h\u00e0ng g\u1eedi v\u00e0 vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec1u l\u00e0 kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng r\u1ea5t l\u1edbn c\u1ee7a b\u1ea3o hi\u1ec3m, c\u00f3 kh\u1ea3 n\u0103ng b\u00e1n \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ea3n ph\u1ea9m v\u00e0 c\u00f3 hi\u1ec7u qu\u1ea3 cao (c\u00f3 th\u1ec3 v\u00ed nh\u01b0 thay v\u00ec b\u00e1n l\u1ebb th\u00ec b\u00e1n qua ng\u00e2n h\u00e0ng gi\u1ed1ng nh\u01b0 ki\u1ec3u b\u00e1n bu\u00f4n b\u1ea3o hi\u1ec3m). Ch\u00ednh v\u00ec v\u1eady, b\u1ea3o hi\u1ec3m c\u00e0ng s\u1eb5n s\u00e0ng tr\u1ea3 ph\u00ed hoa h\u1ed3ng cao cho ng\u00e2n h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng. T\u00f4i \u0111\u01b0\u1ee3c bi\u1ebft c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, b\u1ea3o hi\u1ec3m tr\u1ea3 hoa h\u1ed3ng cho ng\u00e2n h\u00e0ng cao g\u1ea5p \u0111\u00f4i tr\u1ea7n kh\u1ed1ng ch\u1ebf c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, t\u1ea5t nhi\u00ean ph\u1ea3i \u0111\u01b0\u1ee3c h\u1ee3p th\u1ee9c ho\u00e1. Ch\u1eb3ng h\u1ea1n c\u00f3 tr\u01b0\u1eddng h\u1ee3p tho\u1ea3 thu\u1eadn gi\u1eefa b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e2n h\u00e0ng v\u1ec1 vi\u1ec7c b\u00ean b\u1ea3o hi\u1ec3m gi\u1edbi thi\u1ec7u, qu\u1ea3ng c\u00e1o, ph\u00e1t t\u1edd r\u01a1i cho b\u00ean ng\u00e2n h\u00e0ng nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn th\u00f9 lao, m\u00e0 ng\u01b0\u1ee3c l\u1ea1i ph\u1ea3i tr\u1ea3 ph\u00ed cho ng\u00e2n h\u00e0ng.<\/p>\n<p><em>Th\u1ee9<\/em> <em>ba,<\/em> qu\u00e1 tin t\u01b0\u1edfng, tr\u00f4ng c\u1eady, d\u1ef1a d\u1eabm v\u00e0 ph\u00f3 th\u00e1c cho ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng.<\/p>\n<h5><strong>2. V\u1ec1<\/strong> <strong>ph\u00eda <\/strong><strong>ng\u00e2n<\/strong> <strong>h\u00e0ng:<\/strong><\/h5>\n<p><em>Th\u1ee9 nh\u1ea5t,<\/em> gia nh\u1eadp v\u00e0o \u0111\u1ed9i ng\u0169 b\u00e1n b\u1ea3o hi\u1ec3m v\u1edbi th\u1ebf m\u1ea1nh, c\u01a1 h\u1ed9i, l\u1ee3i th\u1ebf v\u00f4 c\u00f9ng l\u1edbn v\u00e0 ngu\u1ed3n l\u1ee3i thu \u0111\u01b0\u1ee3c r\u1ea5t l\u1edbn, kho\u1ea3n thu nh\u1eadp t\u1eeb d\u1ecbch v\u1ee5 r\u1ea5t an to\u00e0n v\u00e0 kh\u00f4ng ph\u1ea3i \u0111\u1ea7u t\u01b0, chi ph\u00ed nhi\u1ec1u.<\/p>\n<p><em>Th\u1ee9 hai,<\/em> b\u1ea3o hi\u1ec3m cho kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng th\u00f4ng qua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 t\u00ednh m\u1ea1ng, s\u1ee9c kho\u1ebb c\u1ee7a ng\u01b0\u1eddi vay. Khi x\u1ea3y ra r\u1ee7i ro th\u00ec ng\u00e2n h\u00e0ng l\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ti\u1ec1n b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m ho\u1eb7c kh\u1eafc ph\u1ee5c r\u1ee7i ro cho ng\u01b0\u1eddi vay v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, d\u1eabn \u0111\u1ebfn h\u1ea1n ch\u1ebf r\u1ee7i ro cho ng\u00e2n h\u00e0ng.<\/p>\n<p><em>Th\u1ee9<\/em> <em>ba,<\/em> b\u00e1n h\u00e0ng nh\u01b0ng v\u1ec1 c\u01a1 b\u1ea3n kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1edbi kh\u00e1ch h\u00e0ng, m\u00e0 b\u1ea3o hi\u1ec3m m\u1edbi l\u00e0 ng\u01b0\u1eddi ch\u1ecbu.<\/p>\n<h5><strong>3. V\u1ec1 ph\u00eda kh\u00e1ch<\/strong> <strong>h\u00e0ng<\/strong><strong>:<\/strong><\/h5>\n<p><em>Th\u1ee9<\/em> <em>nh\u1ea5t,<\/em> kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n th\u00ec th\u01b0\u1eddng l\u00e0 r\u1ea5t tin t\u01b0\u1edfng v\u00e0o uy t\u00edn v\u00e0 s\u1ef1 chuy\u00ean nghi\u1ec7p c\u1ee7a ng\u00e2n h\u00e0ng, n\u00ean d\u1ec5 ch\u1ea5p nh\u1eadn mua b\u1ea3o hi\u1ec3m.<\/p>\n<p><em>Th\u1ee9<\/em> <em>hai<\/em>, kh\u00e1ch h\u00e0ng vay ti\u1ec1n th\u00ec th\u01b0\u1eddng l\u00e0 r\u1ea5t c\u1ea7n \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng, m\u00e0 \u1edf \u0111\u00e2u c\u0169ng v\u1eady. Tuy c\u00e1c ng\u00e2n h\u00e0ng r\u1ea5t c\u1ea1nh tranh, nh\u01b0ng vi\u1ec7c \u201cm\u1eddi ch\u00e0o\u201d kh\u00e1ch h\u00e0ng \u201ct\u1ef1 nguy\u1ec7n\u201d mua b\u1ea3o hi\u1ec3m th\u00ec d\u01b0\u1eddng nh\u01b0 kh\u00e1 gi\u1ed1ng nhau.<\/p>\n<p><em>Th\u1ee9<\/em> <em>ba<\/em>, r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng hi\u1ec3u r\u00f5 b\u1ea3n ch\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m, d\u1ec5 d\u00e3i v\u00e0 kh\u00f4ng \u0111\u1ee7 t\u1ec9nh t\u00e1o, th\u1eadn tr\u1ecdng khi \u201c\u0111\u1ea7u h\u00e0ng\u201d t\u1eb7c l\u01b0\u1ee1i , g\u1eadt \u0111\u1ea7u ch\u1ea5p nh\u1eadn v\u00f4 \u0111i\u1ec1u ki\u1ec7n.<\/p>\n<h5><strong>4. Th\u1ef1c<\/strong> <strong>tr\u1ea1ng di\u1ec5n ra:<\/strong><\/h5>\n<p><em>Th\u1ee9<\/em> <em>nh\u1ea5t,<\/em> g\u1ea7n nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 c\u00f4ng ty con kinh doanh b\u1ea3o hi\u1ec3m th\u00ec c\u0169ng c\u00f3 c\u00f4ng ty s\u00e2n sau ho\u1eb7c \u00edt nh\u1ea5t l\u00e0 quan h\u1ec7 m\u1eadt thi\u1ebft, \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c.<\/p>\n<p><em>Th\u1ee9<\/em> <em>hai<\/em>, c\u1ea3 b\u1ea3o hi\u1ec3m, ng\u00e2n h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u1ec1u tranh th\u1ee7 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a c\u01a1 h\u1ed9i v\u00e0 l\u1ee3i \u00edch. Ng\u00e2n h\u00e0ng th\u00ec \u0111\u1eb7t k\u1ebf ho\u1ea1ch cao, giao ch\u1ec9 ti\u00eau n\u1eb7ng cho nh\u00e2n vi\u00ean b\u00e1n b\u1ea3o hi\u1ec3m. T\u1ea5t c\u1ea3 \u0111\u1ec1u lao v\u00e0o l\u1ee3i nhu\u1eadn, t\u1eadn d\u1ee5ng, khai th\u00e1c kh\u00e1ch h\u00e0ng, m\u00e0 ch\u1eb3ng h\u1ec1 \u0111\u1eb7t m\u00ecnh v\u00e0o v\u1ecb tr\u00ed c\u1ee7a th\u01b0\u1ee3ng \u0111\u1ebf b\u1ea5t \u0111\u1eafc d\u0129, qu\u00ean \u0111i c\u1ea3m x\u00fac c\u1ee7a \u0111\u1ed1i t\u00e1c, th\u1eadm ch\u00ed l\u00e0 \u00e2n nh\u00e2n c\u1ee7a m\u00ecnh.<\/p>\n<p><em>Th\u1ee9<\/em> <em>ba,<\/em> h\u1eadu qu\u1ea3 l\u00e0, mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 ph\u00f2ng ng\u1eeba r\u1ee7i ro, nh\u01b0ng \u0111\u1ed1i v\u1edbi r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng ki\u00eam b\u1ea3o hi\u1ec3m, th\u00ec l\u1ea1i l\u00e0 m\u1ed9t giao d\u1ecbch r\u1ea5t r\u1ee7i ro to l\u1edbn.V\u1eeba \u0111\u00e1ng gi\u1eadn, v\u1eeba \u0111\u00e1ng th\u01b0\u01a1ng, \u0111\u01b0\u01a1ng nhi\u00ean c\u1ea3 \u0111\u00e1ng tr\u00e1ch.<\/p>\n<h5><strong>5. Quy \u0111\u1ecbnh\u00a0 h\u00e0ng:<\/strong><\/h5>\n<p><em>Th\u1ee9 nh\u1ea5t<\/em>, ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt cho ph\u00e9p v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p, nh\u01b0ng c\u00f3 th\u1ec3 s\u1edf h\u1eefu c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c h\u1ee3p t\u00e1c, li\u00ean doanh, li\u00ean k\u1ebft v\u00e0 l\u00e0m \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 103 v\u1ec1 \u201cG\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n\u201d, <a name=\"_Toc265569727\"><\/a><a name=\"_Toc265570215\"><\/a>v\u00e0 \u0110i\u1ec1u 106 v\u1ec1 \u201cNghi\u1ec7p v\u1ee5 u\u1ef7 th\u00e1c v\u00e0 \u0111\u1ea1i l\u00fd\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017)<\/p>\n<p><em>Th\u1ee9<\/em> <em>hai<\/em>, ng\u00e2n h\u00e0ng l\u00e0m \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 t\u1ea1i c\u00e1c v\u0103n b\u1ea3n sau:<\/p>\n<ul>\n<li>Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 86\/2014\/TTLT-BTC-NHNNVN ng\u00e0y 02-7-2014 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0n \u01b0\u1edbc \u201cH\u01b0\u1edbng d\u1eabn ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u201d;<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 37\/2019\/TT-NHNN ng\u00e0y 31-12-2019 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u201cH\u01b0\u1edbng d\u1eabn ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m\u201d<\/li>\n<\/ul>\n<p><em>Th\u1ee9 ba<\/em>, trong ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd, ng\u00e2n h\u00e0ng ph\u1ea3i tu\u00e2n theo Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan kh\u00e1c nh\u01b0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n<h5><strong>6. Quy \u0111\u1ecbnh x\u1eed l\u00fd:<\/strong><\/h5>\n<p>6.1. Kho\u1ea3n 4, \u0110i\u1ec1u 124 v\u1ec1 \u201cC\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m\u201d, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2006 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2010 v\u00e0 2019) quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c h\u00e0nh vi vi pham ph\u00e1p lu\u1eadt l\u00e0 \u201c<em>4. \u00c9p bu\u1ed9c giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/em>\u201d.<\/p>\n<p>6.2. Kho\u1ea3n 5, \u0110i\u1ec1u 9 v\u1ec1 \u201cC\u00e1c h\u00e0nh vi b\u1ecb nghi\u00eam c\u1ea5m\u201d, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2022 (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 2023) quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c h\u00e0nh vi b\u1ecb nghi\u00eam c\u1ea5m l\u00e0 \u201c<em>5. \u0110e d\u1ecda, c\u01b0\u1ee1ng \u00e9p giao<\/em><em> k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/em>\u201d.<\/p>\n<p>6.3. C\u00e1c \u0111i\u1ec3m g v\u00e0 i, kho\u1ea3n 1, \u0110i\u1ec1u 25 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00f4 hi\u1ec7u\u201d, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2022 quy \u0111\u1ecbnh H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00f4 hi\u1ec7u trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, trong \u0111\u00f3 c\u00f3 2 tr\u01b0\u1eddng h\u1ee3p sau \u0111\u00e2y:<\/p>\n<p><em>\u201cg) H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c giao k\u1ebft c\u00f3 s\u1ef1 nh\u1ea7m l\u1eabn l\u00e0m cho m\u1ed9t b\u00ean ho\u1eb7c c\u00e1c b\u00ean kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c giao k\u1ebft h\u1ee3p \u0111\u1ed3ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p m\u1ee5c \u0111\u00edch giao k\u1ebft h\u1ee3p \u0111\u1ed3ng c\u1ee7a c\u00e1c b\u00ean \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c ho\u1eb7c c\u00e1c b\u00ean c\u00f3 th\u1ec3 kh\u1eafc ph\u1ee5c ngay \u0111\u01b0\u1ee3c s\u1ef1 nh\u1ea7m l\u1eabn l\u00e0m cho m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c giao k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u1eabn \u0111\u1ea1t \u0111\u01b0\u1ee3c\u201d<\/em><\/p>\n<p><em>\u201ci) H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c giao k\u1ebft do b\u1ecb \u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p\u201d<\/em><em>.<\/em><\/p>\n<p>6.4. Kho\u1ea3n 1, \u0110i\u1ec1u 117 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh: Giao d\u1ecbch d\u00e2n s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c khi c\u00f3 \u0111\u1ee7 3 \u0111i\u1ec1u ki\u1ec7n, trong \u0111\u00f3 \u0111i\u1ec1u ki\u1ec7n th\u1ee9 hai l\u00e0 \u00a0\u201cCh\u1ee7 th\u1ec3 tham gia giao d\u1ecbch d\u00e2n s\u1ef1 ho\u00e0n to\u00e0n t\u1ef1 nguy\u1ec7n\u201d.<\/p>\n<p>6.5. \u0110i\u1ec1u 127 v\u1ec1 \u201cGiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do b\u1ecb l\u1eeba d\u1ed1i, \u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh:<\/p>\n<p><em>\u201c<\/em><em>Khi m\u1ed9t b\u00ean tham gia giao d\u1ecbch d\u00e2n s\u1ef1 do b\u1ecb l\u1eeba d\u1ed1i ho\u1eb7c b\u1ecb \u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p th\u00ec c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u T\u00f2a \u00e1n tuy\u00ean b\u1ed1 giao d\u1ecbch d\u00e2n s\u1ef1 \u0111\u00f3 l\u00e0 v\u00f4 hi\u1ec7u<\/em><em>\u201d<\/em><em>.<\/em><\/p>\n<p><em>\u201c<\/em><em>\u0110e d\u1ecda, c\u01b0\u1ee1ng \u00e9p trong giao d\u1ecbch d\u00e2n s\u1ef1 l\u00e0 h\u00e0nh vi c\u1ed1 \u00fd c\u1ee7a m\u1ed9t b\u00ean ho\u1eb7c ng\u01b0\u1eddi th\u1ee9 ba l\u00e0m cho b\u00ean kia bu\u1ed9c ph\u1ea3i th\u1ef1c hi\u1ec7n giao d\u1ecbch d\u00e2n s\u1ef1 nh\u1eb1m tr\u00e1nh thi\u1ec7t h\u1ea1i v\u1ec1 t\u00ednh m\u1ea1ng, s\u1ee9c kho\u1ebb, danh d\u1ef1, uy t\u00edn, nh\u00e2n ph\u1ea9m, t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh ho\u1eb7c c\u1ee7a ng\u01b0\u1eddi th\u00e2n th\u00edch c\u1ee7a m\u00ecnh<\/em><em>\u201d<\/em><em>.<\/em><\/p>\n<p>6.6. \u0110i\u1ec3m a, kho\u1ea3n 4, \u0110i\u1ec1u 83 v\u1ec1 \u201cNguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 73\/2016\/N\u0110-CP ng\u00e0y 01-7-2016 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m\u201d (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo c\u00e1c Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 151\/2018\/N\u0110-CP ng\u00e0y 07-11-2018 v\u00e0 s\u1ed1 80\/2019\/N\u0110-CP ng\u00e0y 01 011-2019) quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c h\u00e0nh vi m\u00e0 \u0110\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n l\u00e0:<\/p>\n<p><em>\u201c<\/em><em>Th\u00f4ng tin, qu\u1ea3ng c\u00e1o sai s\u1ef1 th\u1eadt<\/em><em>\u201d<\/em> v\u1ec1 <em>\u201c<\/em><em>\u0111i\u1ec1u ki\u1ec7n v\u00e0 \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m l\u00e0m t\u1ed5n h\u1ea1i \u0111\u1ebfn quy\u1ec1n, l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a b\u00ean mua b\u1ea3o hi\u1ec3m<\/em><em>\u201d.<\/em><\/p>\n<h5><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong><\/h5>\n<p>Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/p>\n<p><em>(1.294) #baohiem #nganhang #anvi<\/em>","protected":false},"excerpt":{"rendered":"<p>B\u00ecnh lu\u1eadn v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m. (ANVI) &#8211; \u00c9p d\u1ea7u, \u00e9p m\u1ee1, ai n\u1ee1 \u00e9p nhau Kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u0111au h\u01a1n ho\u1ea1n. 1. V\u1ec1 ph\u00eda b\u1ea3o hi\u1ec3m: Th\u1ee9 nh\u1ea5t, s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m l\u00e0 hay, l\u00e0 t\u1ed1t v\u00e0 c\u1ea7n thi\u1ebft nh\u01b0ng b\u00e1n r\u1ea5t kh\u00f3, n\u00ean b\u1ea3o hi\u1ec3m ph\u1ea3i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[51,36],"class_list":["post-35778","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>407. 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