{"id":37091,"date":"2023-05-24T22:18:20","date_gmt":"2023-05-24T15:18:20","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37091"},"modified":"2024-11-25T15:13:25","modified_gmt":"2024-11-25T08:13:25","slug":"3-507-ke-sach-chan-ong-chu-tay-khong-lung-doan-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-507-ke-sach-chan-ong-chu-tay-khong-lung-doan-ngan-hang\/","title":{"rendered":"3.507. K\u1ebf s\u00e1ch ch\u1eb7n \u00f4ng ch\u1ee7 tay kh\u00f4ng l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng"},"content":{"rendered":"

K\u1ebf s\u00e1ch ch\u1eb7n \u00f4ng ch\u1ee7 tay kh\u00f4ng l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(\u0110TCK) – <\/strong>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111ang d\u1ef1 \u0111\u1ecbnh si\u1ebft ch\u1eb7t c\u00e1c quy \u0111\u1ecbnh v\u1ec1 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng c\u1ee7a c\u00e1 nh\u00e2n ho\u1eb7c nh\u00f3m c\u00e1 nh\u00e2n. Tuy nhi\u00ean, gi\u1ea3i ph\u00e1p n\u00e0y \u0111\u01b0\u1ee3c cho l\u00e0 kh\u00f4ng c\u00f3 nhi\u1ec1u t\u00e1c d\u1ee5ng v\u1edbi ch\u1ed1ng s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng.<\/strong><\/h5>\n

\"tay<\/strong><\/p>\n

Lu\u1eadt b\u1ecb v\u00f4 hi\u1ec7u t\u1eeb nh\u1eefng t\u1eadp \u0111o\u00e0n ma tr\u1eadn s\u00e2n sau<\/strong><\/h5>\n

H\u00e0ng lo\u1ea1t quy \u0111\u1ecbnh theo h\u01b0\u1edbng si\u1ebft ch\u1eb7t s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng \u0111ang \u0111\u01b0\u1ee3c NHNN \u0111\u1ec1 xu\u1ea5t s\u1eeda \u0111\u1ed5i trong Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) s\u1ebd \u0111\u01b0\u1ee3c tr\u00ecnh Qu\u1ed1c h\u1ed9i t\u1ea1i k\u1ef3 h\u1ecdp th\u1ee9 5, Qu\u1ed1c h\u1ed9i kh\u00f3a XV. Theo \u0111\u00f3, \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n t\u1eeb m\u1ee9c 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng s\u1ebd gi\u1ea3m xu\u1ed1ng c\u00f2n 3%. S\u1edf h\u1eefu c\u1ee7a m\u1ed9t c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c, gi\u1ea3m t\u1eeb m\u1ee9c 15% hi\u1ec7n t\u1ea1i xu\u1ed1ng c\u00f2n 10%, c\u1ee7a nh\u00f3m c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi li\u00ean quan c\u0169ng \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t gi\u1ea3m t\u1eeb 20% xu\u1ed1ng 15%.<\/p>\n

M\u1ee5c \u0111\u00edch c\u1ee7a NHNN khi b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh n\u00e0y l\u00e0 nh\u1eb1m x\u1eed l\u00fd hi\u1ec7u qu\u1ea3 t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, h\u1ea1n ch\u1ebf l\u1ea1m d\u1ee5ng quy\u1ec1n c\u1ed5 \u0111\u00f4ng l\u1edbn, quy\u1ec1n qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh \u0111\u1ec3 thao t\u00fang ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tuy nhi\u00ean, ngay c\u1ea3 khi c\u00e1c quy \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c th\u00f4ng qua, gi\u1edbi chuy\u00ean gia cho r\u1eb1ng, c\u00e1c t\u1eadp \u0111o\u00e0n s\u00e2n sau v\u1eabn d\u1ec5 b\u1ec1 l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng th\u00f4ng qua h\u00e0ng tr\u0103m c\u00f4ng ty con \u0111\u1ec3 \u201cl\u00e1ch\u201d c\u00e1c quy \u0111\u1ecbnh.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean B\u00e1o \u0110\u1ea7u t\u01b0, TS. L\u00ea Xu\u00e2n Ngh\u0129a, chuy\u00ean gia kinh t\u1ebf nh\u1eadn \u0111\u1ecbnh, tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ng\u0103n s\u1edf h\u1eefu ch\u00e9o v\u00e0 t\u0103ng t\u00ednh \u0111\u1ea1i ch\u00fang c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng \u1edf n\u01b0\u1edbc ta \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. Tuy v\u1eady, tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c quy \u0111\u1ecbnh n\u00e0y ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 ng\u0103n s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng. Nguy\u00ean nh\u00e2n l\u00e0 kh\u00e2u thanh tra gi\u00e1m s\u00e1t \u1edf Vi\u1ec7t Nam c\u00f2n qu\u00e1 y\u1ebfu v\u00e0 c\u1ea5u tr\u00fac s\u1edf h\u1eefu ng\u00e2n h\u00e0ng \u1edf n\u01b0\u1edbc ta qu\u00e1 ph\u1ee9c t\u1ea1p.<\/p>\n

\u201c\u1ede c\u00e1c n\u01b0\u1edbc, t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t kh\u00e1 t\u1ed1t v\u00ec c\u1ea5u tr\u00fac s\u1edf h\u1eefu minh b\u1ea1ch. Th\u1ee9 nh\u1ea5t, c\u00e1c t\u1eadp \u0111o\u00e0n n\u01b0\u1edbc ngo\u00e0i doanh thu h\u00e0ng tr\u0103m t\u1ef7 USD, song c\u0169ng ch\u1ec9 s\u1edf h\u1eefu v\u00e0i ba c\u00f4ng ty con, trong khi c\u00e1c t\u1eadp \u0111o\u00e0n c\u1ee7a Vi\u1ec7t Nam c\u00f3 t\u1edbi h\u00e0ng tr\u0103m c\u00f4ng ty con (v\u00ed d\u1ee5 V\u1ea1n Th\u1ecbnh Ph\u00e1t c\u00f3 762 c\u00f4ng ty li\u00ean quan). Th\u1ee9 hai, \u1edf c\u00e1c n\u01b0\u1edbc kh\u00f4ng c\u00f3 chuy\u1ec7n li\u00ean k\u1ebft s\u1edf h\u1eefu \u0111\u1ec3 th\u00e0nh nh\u00f3m s\u1edf h\u1eefu nh\u01b0 \u1edf Vi\u1ec7t Nam. \u1ede n\u01b0\u1edbc ta, t\u00ecnh tr\u1ea1ng n\u00e0y r\u1ea5t ph\u1ed5 bi\u1ebfn: b\u1ed1 n\u1eafm 5% v\u1ed1n, m\u1eb9 5% v\u1ed1n, r\u1ed3i con ch\u00e1u, h\u1ecd h\u00e0ng\u2026 t\u1ed5ng c\u1ed9ng l\u1ea1i chi\u1ebfm 50-60% v\u1ed1n ng\u00e2n h\u00e0ng. Th\u1eadm ch\u00ed, c\u00f3 nh\u1eefng c\u00e1 nh\u00e2n kh\u00f4ng n\u1eafm gi\u1eef c\u1ed5 ph\u1ea7n ng\u00e2n h\u00e0ng, song v\u1eabn chi ph\u1ed1i, l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng\u201d, TS. L\u00ea Xu\u00e2n Ngh\u0129a ch\u1ec9 ra th\u1ef1c tr\u1ea1ng.<\/p>\n

T\u00ecnh tr\u1ea1ng c\u00e1c t\u1eadp \u0111o\u00e0n s\u00e2n sau – \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c t\u1eadp \u0111o\u00e0n b\u1ea5t \u0111\u1ed9ng s\u1ea3n – s\u1edf h\u1eefu ng\u00e2n h\u00e0ng lu\u00f4n l\u00e0 v\u1ea5n \u0111\u1ec1 nh\u1ee9c nh\u1ed1i c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng n\u01b0\u1edbc ta trong th\u1eddi h\u00e0ng ch\u1ee5c n\u0103m qua.<\/p>\n

\u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e, chuy\u00ean gia kinh t\u1ebf c\u0169ng cho r\u1eb1ng, m\u1eb7c d\u00f9 NHNN \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n \u0111\u1ec3 ch\u1ed1ng s\u1edf h\u1eefu ch\u00e9o, song th\u1eddi gian qua, c\u00f3 t\u00ecnh tr\u1ea1ng c\u00e1 nh\u00e2n kh\u00f4ng s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n n\u00e0o c\u1ee7a ng\u00e2n h\u00e0ng song v\u1eabn c\u00f3 th\u1ec3 chi ph\u1ed1i ng\u00e2n h\u00e0ng.<\/p>\n

\u201cS\u1edf h\u1eefu ch\u00e9o nh\u01b0 ma tr\u1eadn, bi\u1ebfn ng\u00e2n h\u00e0ng th\u00e0nh k\u00eanh huy \u0111\u1ed9ng v\u1ed1n cho c\u00e1c \u0111\u1ea1i gia thao t\u00fang th\u1ecb tr\u01b0\u1eddng. \u0110\u00e1ng lo nh\u1ea5t l\u00e0 ma tr\u1eadn c\u00e1c c\u00f4ng ty con \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u0111\u1ec3 mua l\u1ea1i tr\u00e1i phi\u1ebfu ng\u00e2n h\u00e0ng t\u0103ng v\u1ed1n c\u1ea5p 2 – ngu\u1ed3n v\u1ed1n \u0111\u1ec3 mua tr\u00e1i phi\u1ebfu ng\u00e2n h\u00e0ng l\u1ea1i ch\u00ednh t\u1eeb v\u1ed1n vay ng\u00e2n h\u00e0ng \u0111\u00f3 – gi\u00fap ng\u00e2n h\u00e0ng t\u0103ng v\u1ed1n \u1ea3o. Ch\u00ednh v\u00ec v\u1eady, nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f3 b\u1ec1 ngo\u00e0i r\u1ea5t \u0111\u1eb9p, nh\u01b0ng th\u1ef1c t\u1ebf \u0111ang \u1ee7 b\u1ec7nh, kh\u00f4ng bi\u1ebft l\u00e0 b\u1ee5c ra l\u00fac n\u00e0o\u201d, \u00f4ng H\u00f2e nh\u1eadn x\u00e9t.<\/p>\n

M\u1eb7c d\u00f9 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 cho vay v\u1edbi ng\u01b0\u1eddi li\u00ean quan, tr\u00e1nh \u00f4ng ch\u1ee7 vay ti\u1ec1n cho c\u00e1c c\u00f4ng ty con. D\u00f9 v\u1eady, c\u00e1c chuy\u00ean gia cho r\u1eb1ng, c\u00e1c t\u1eadp \u0111o\u00e0n s\u00e2n sau d\u1ec5 d\u00e0ng l\u00e1ch quy \u0111\u1ecbnh \u201cng\u01b0\u1eddi li\u00ean quan\u201d b\u1eb1ng vi\u1ec7c th\u00e0nh l\u1eadp h\u00e0ng tr\u0103m c\u00f4ng ty con \u0111\u1ec3 r\u00fat ru\u1ed9t ng\u00e2n h\u00e0ng.<\/p>\n

Si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu kh\u00f3 ch\u1ed1ng s\u1edf h\u1eefu ch\u00e9o<\/strong><\/h5>\n

Do c\u1ea5u tr\u00fac s\u1edf h\u1eefu ng\u00e2n h\u00e0ng \u1edf n\u01b0\u1edbc ta r\u1ed1i r\u1eafm, thi\u1ebfu minh b\u1ea1ch, c\u00e1c chuy\u00ean gia cho r\u1eb1ng, vi\u1ec7c NHNN d\u1ef1 \u0111\u1ecbnh gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n t\u1eeb m\u1ee9c 5% hi\u1ec7n nay xu\u1ed1ng c\u00f2n 3% l\u00e0 kh\u00f4ng c\u00f3 nhi\u1ec1u \u00fd ngh\u0129a trong ng\u0103n ch\u1eb7n s\u1edf h\u1eefu ch\u00e9o. Th\u1eadm ch\u00ed, vi\u1ec7c si\u1ebft ch\u1eb7t s\u1ebd c\u00e0ng l\u00e0m ma tr\u1eadn n\u00e0y tr\u1edf n\u00ean lu\u1ed3n l\u00e1ch, kh\u00f3 nh\u1eadn di\u1ec7n.<\/p>\n

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> cho r\u1eb1ng, \u201cth\u1eaft\u201d th\u00eam t\u1ef7 l\u1ec7 s\u1edf h\u1eefu kh\u00f4ng ph\u1ea3i l\u00e0 bi\u1ec7n ph\u00e1p tr\u1ecdng y\u1ebfu \u0111\u1ec3 ng\u0103n s\u1edf h\u1eefu ch\u00e9o.<\/em><\/p>\n

Th\u1ee9 nh\u1ea5t, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a c\u1ed5 \u0111\u00f4ng v\u00e0 nh\u00f3m c\u1ed5 \u0111\u00f4ng trong lu\u1eadt hi\u1ec7n nay \u0111\u00e3 l\u00e0 c\u1eadp nh\u1eadt, ph\u00f9 h\u1ee3p th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. Th\u1ef1c t\u1ebf, n\u1ebfu c\u1ed5 \u0111\u00f4ng v\u00e0 nh\u00f3m c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu kh\u00f4ng qu\u00e1 20% v\u1ed1n ng\u00e2n h\u00e0ng nh\u01b0 quy \u0111\u1ecbnh hi\u1ec7n nay, kh\u00f4ng ai c\u00f3 th\u1ec3 chi ph\u1ed1i \u0111\u01b0\u1ee3c quy\u1ec1n c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng. Song t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng, nh\u00f3m c\u1ed5 \u0111\u00f4ng v\u1eabn s\u1edf h\u1eefu qu\u00e1 50% v\u1ed1n ng\u00e2n h\u00e0ng, l\u00e0m khuynh \u0111\u1ea3o ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Th\u1ee9 hai, hi\u1ec7n nay, m\u1ed9t s\u1ed1 qu\u1ed1c gia ch\u1ea5p nh\u1eadn m\u1ee9c \u0111\u1ed9 s\u1edf h\u1eefu c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c v\u1edbi ng\u00e2n h\u00e0ng r\u1ea5t cao, b\u1edfi h\u1ecd x\u00e1c \u0111\u1ecbnh \u201cs\u1edf h\u1eefu kh\u00f4ng ph\u1ea3i l\u00e0 v\u1ea5n \u0111\u1ec1\u201d, m\u00e0 \u201cgi\u00e1m s\u00e1t cho vay m\u1edbi l\u00e0 v\u1ea5n \u0111\u1ec1\u201d.<\/em><\/p>\n

\u00d4ng ch\u1ee7 s\u1edf h\u1eefu 70% v\u1ed1n ng\u00e2n h\u00e0ng m\u00e0 ch\u1ec9 \u0111\u1ea1o cho vay \u0111\u00fang th\u00ec v\u1eabn kh\u00f4ng nguy hi\u1ec3m b\u1eb1ng vi\u1ec7c \u00f4ng ch\u1ee7 s\u1edf h\u1eefu 5% v\u1ed1n ng\u00e2n h\u00e0ng, nh\u01b0ng l\u1ea1i cho vay sai nguy\u00ean t\u1eafc. V\u00ec v\u1eady, NHNN c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf \u0111\u1ec3 gi\u00e1m s\u00e1t h\u00e0nh vi cho vay sai tr\u00e1i, \u0111\u1ed3ng th\u1eddi t\u0103ng ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t.<\/em><\/p>\n

Theo c\u00e1c chuy\u00ean gia, hi\u1ec7n nay, r\u1ea5t nhi\u1ec1u \u00f4ng ch\u1ee7 ng\u00e2n h\u00e0ng \u0111\u1ed3ng th\u1eddi l\u00e0 \u00f4ng ch\u1ee7 c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111ang s\u1edf h\u1eefu h\u00e0ng tr\u0103m c\u00f4ng ty con. Th\u00f4ng qua m\u1ea1ng l\u01b0\u1edbi c\u00f4ng ty n\u00e0y, l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng – c\u0169ng l\u00e0 c\u1ed5 \u0111\u00f4ng l\u1edbn v\u00e0 l\u00e0 \u00f4ng ch\u1ee7 s\u00e2n sau – \u0111\u00e3 ph\u00ea duy\u1ec7t c\u00e1c g\u00f3i t\u00edn d\u1ee5ng v\u01b0\u1ee3t quy \u0111\u1ecbnh. \u0110\u1ed3ng th\u1eddi, c\u00e1c c\u00f4ng ty con m\u1eb7c s\u1ee9c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu b\u00e1n cho ng\u00e2n h\u00e0ng, r\u00fat ru\u1ed9t ng\u00e2n h\u00e0ng.<\/p>\n

N\u00f3i c\u00e1ch kh\u00e1c, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n ch\u1ec9 l\u00e0 b\u1ec1 n\u1ed5i c\u1ee7a t\u1ea3ng b\u0103ng ch\u00ecm. T\u1ef7 l\u1ec7 s\u1edf h\u1eefu th\u1ef1c \u0111\u01b0\u1ee3c che d\u1ea5u trong l\u1edbp b\u0103ng ng\u1ea7m ma tr\u1eadn c\u00f4ng ty con v\u00e0 h\u1ec7 sinh th\u00e1i ch\u1eb1ng ch\u1ecbt. Cho \u0111\u1ebfn nay, ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o \u0111\u1ec3 ki\u1ec3m so\u00e1t c\u00e1c t\u1eadp \u0111o\u00e0n c\u00f3 m\u1ed1i li\u00ean h\u1ec7 m\u1ea5t thi\u1ebft v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

M\u1ea5u ch\u1ed1t \u1edf kh\u00e2u thanh tra, gi\u00e1m s\u00e1t<\/strong><\/h5>\n

Quy \u0111\u1ecbnh trong lu\u1eadt \u0111\u00e3 \u0111\u1ea1t th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, nh\u01b0ng s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng \u1edf n\u01b0\u1edbc ta v\u1eabn t\u1ed3n t\u1ea1i dai d\u1eb3ng, theo c\u00e1c chuy\u00ean gia l\u00e0 do kh\u00e2u thanh tra, gi\u00e1m s\u00e1t y\u1ebfu v\u00e0 ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t ch\u01b0a nghi\u00eam.<\/p>\n

\u201cC\u01a1 quan thanh tra gi\u00e1m s\u00e1t c\u1ee7a NHNN kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng \u0111i\u1ec1u tra. V\u00ec v\u1eady, c\u00f3 th\u1ec3 h\u1ecd bi\u1ebft m\u1ed9t t\u1eadp \u0111o\u00e0n kinh t\u1ebf th\u00e0nh l\u1eadp h\u00e0ng tr\u0103m c\u00f4ng ty con l\u00e0 nh\u1eb1m m\u1ee5c \u0111\u00edch g\u00ec, nh\u01b0ng h\u1ecd kh\u00f4ng th\u1ec3 \u0111i\u1ec1u tra v\u00ec kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng. Theo t\u00f4i, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) c\u1ea7n cho ph\u00e9p c\u01a1 quan thanh tra, gi\u00e1m s\u00e1t NHNN c\u00f3 ch\u1ee9c n\u0103ng \u0111i\u1ec1u tra ban \u0111\u1ea7u, khi \u0111\u00f3 h\u1ecd m\u1edbi c\u00f3 th\u1ec3 ph\u00e1t hi\u1ec7n ra b\u1eb1ng ch\u1ee9ng v\u00e0 chuy\u1ec3n h\u1ed3 s\u01a1 sang c\u00f4ng an. Kh\u00f4ng ch\u1ec9 V\u1ea1n Th\u1ecbnh Ph\u00e1t, hi\u1ec7n c\u00f3 r\u1ea5t nhi\u1ec1u t\u1eadp \u0111o\u00e0n s\u00e2n sau c\u1ee7a ng\u00e2n h\u00e0ng s\u1edf h\u1eefu h\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m c\u00f4ng ty con. NHNN c\u1ea7n ph\u1ea3i c\u00f3 ch\u1ee9c n\u0103ng \u0111i\u1ec1u tra m\u1edbi c\u00f3 th\u1ec3 s\u1edbm ph\u00e1t hi\u1ec7n, c\u00f2n \u0111\u1ec3 khi ng\u00e2n h\u00e0ng b\u1ecb ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, c\u00f4ng an \u0111i\u1ec1u tra th\u00ec \u0111\u00e3 qu\u00e1 mu\u1ed9n \u0111\u1ec3 c\u1ee9u\u201d, TS. L\u00ea Xu\u00e2n Ngh\u0129a b\u00ecnh lu\u1eadn.<\/p>\n

Ngo\u00e0i t\u0103ng quy\u1ec1n cho c\u01a1 quan thanh tra gi\u00e1m s\u00e1t, nhi\u1ec1u chuy\u00ean gia kinh t\u1ebf c\u0169ng cho r\u1eb1ng, Vi\u1ec7t Nam c\u1ea7n tham kh\u1ea3o c\u00e1ch l\u00e0m c\u1ee7a c\u00e1c n\u01b0\u1edbc trong ng\u0103n s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng. \u0110\u01a1n c\u1eed, hi\u1ec7n nay m\u1ed9t s\u1ed1 n\u01b0\u1edbc c\u1ea5m quy\u1ec1n bi\u1ec3u quy\u1ebft n\u1ebfu gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty con c\u00f3 quan h\u1ec7 s\u1edf h\u1eefu ch\u00e9o. B\u00ean c\u1ea1nh \u0111\u00f3, m\u1ed9t s\u1ed1 n\u01b0\u1edbc ph\u1ea1t r\u1ea5t n\u1eb7ng n\u1ebfu ng\u00e2n h\u00e0ng vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 cho vay, m\u1ee9c ph\u1ea1t c\u00f3 th\u1ec3 l\u00ean t\u1edbi h\u00e0ng t\u1ef7 USD.<\/p>\n

\u00dd KI\u1ebeN – NH\u1eacN \u0110\u1ecaNH<\/strong><\/h5>\n
Ph\u1ea3i c\u00f3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt \u0111\u1ee7 m\u1ea1nh \u0111\u1ec3 gi\u1ea3m thi\u1ec3u s\u1edf h\u1eefu ch\u00e9o.<\/strong><\/h5>\n

– TS. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia kinh t\u1ebf<\/em><\/p>\n

S\u1edf h\u1eefu ch\u00e9o \u1edf n\u01b0\u1edbc ta hi\u1ec7n nay kh\u00f4ng c\u00f2n ph\u1ed5 bi\u1ebfn nh\u01b0 giai \u0111o\u1ea1n tr\u01b0\u1edbc \u0111\u00e2y. Sau khi Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, NHNN si\u1ebft m\u1ea1nh thanh ki\u1ec3m tra, s\u1edf h\u1eefu ch\u00e9o \u0111\u00e3 gi\u1ea3m kh\u00e1 m\u1ea1nh t\u1eeb n\u0103m 2019. Hi\u1ec7n nay, s\u1edf h\u1eefu ch\u00e9o ch\u1ec9 c\u00f2n t\u1ed3n t\u1ea1i \u1edf m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng nh\u1ecf, trung b\u00ecnh. V\u1ec1 c\u01a1 b\u1ea3n, nh\u1eefng ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c c\u01a1 quan gi\u00e1m s\u00e1t nh\u1eadn di\u1ec7n v\u00e0 khoanh v\u00f9ng \u0111\u1ec3 x\u1eed l\u00fd.<\/p>\n

\u0110\u1ec3 gi\u1ea3m thi\u1ec3u s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u ti\u00ean l\u00e0 ph\u1ea3i c\u00f3 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt \u0111\u1ee7 m\u1ea1nh. NHNN \u0111ang s\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong \u0111\u00f3 c\u00f3 c\u1ea3 m\u1ed9t ch\u01b0\u01a1ng v\u1ec1 gi\u1ea3m r\u1ee7i ro li\u00ean quan t\u1edbi s\u1edf h\u1eefu ch\u00e9o. Nh\u01b0 v\u1eady, \u0111\u1ed9ng th\u00e1i ch\u00ednh s\u00e1ch c\u1ee7a nh\u00e0 \u0111i\u1ec1u h\u00e0nh l\u00e0 r\u1ea5t m\u1ea1nh tay. Tuy nhi\u00ean, qu\u00e1 tr\u00ecnh th\u1ef1c thi m\u1edbi l\u00e0 v\u1ea5n \u0111\u1ec1. Qu\u00e1 tr\u00ecnh th\u1ef1c thi ph\u1ea3i c\u00f4ng khai, minh b\u1ea1ch th\u00ec ch\u1ed1ng s\u1edf h\u1eefu ch\u00e9o m\u1edbi c\u00f3 hi\u1ec7u qu\u1ea3.<\/p>\n

C\u1ea7n t\u0103ng c\u01b0\u1eddng vai tr\u00f2 c\u1ee7a l\u1ef1c l\u01b0\u1ee3ng thanh tra, gi\u00e1m s\u00e1t.<\/strong><\/h5>\n

– 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><\/em><\/p>\n

\u0110\u1ec3 ch\u1ed1ng s\u1edf h\u1eefu ch\u00e9o c\u1ea7n ph\u1ea3i t\u0103ng c\u01b0\u1eddng vai tr\u00f2 c\u1ee7a l\u1ef1c l\u01b0\u1ee3ng thanh tra gi\u00e1m s\u00e1t NHNN. Theo t\u00f4i, n\u00ean cho ph\u00e9p c\u01a1 quan thanh tra gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u tra, th\u1eadm ch\u00ed \u0111i\u1ec1u tra h\u00ecnh s\u1ef1 m\u1ed9t ph\u1ea7n. B\u1edfi n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c t\u0103ng quy\u1ec1n, c\u01a1 quan thanh tra ng\u00e2n h\u00e0ng r\u1ea5t kh\u00f3 ph\u00e1t hi\u1ec7n \u0111\u01b0\u1ee3c s\u1edf h\u1eefu ch\u00e9o. Mu\u1ed1n \u0111\u1ec1 xu\u1ea5t c\u01a1 quan c\u00f4ng an \u0111i\u1ec1u tra, c\u01a1 quan thanh tra ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 b\u1eb1ng ch\u1ee9ng, h\u1ecd kh\u00f4ng th\u1ec3 c\u00f3 b\u1eb1ng ch\u1ee9ng n\u1ebfu kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng \u0111i\u1ec1u tra. Th\u1ef1c t\u1ebf, \u1edf n\u01b0\u1edbc ta, l\u1ef1c l\u01b0\u1ee3ng ki\u1ec3m l\u00e2m, h\u1ea3i quan\u2026 ch\u00fang ta c\u0169ng \u0111\u00e3 trao cho ch\u1ee9c n\u0103ng th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 nhi\u1ec7m v\u1ee5 \u0111i\u1ec1u tra t\u1eeb l\u00e2u. V\u1edbi ng\u00e2n h\u00e0ng, vi\u1ec7c trao ch\u1ee9c n\u0103ng \u0111i\u1ec1u tra ban \u0111\u1ea7u theo t\u00f4i l\u00e0 r\u1ea5t ph\u00f9 h\u1ee3p. Hi\u1ec7n nay, do kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p, l\u1ef1c l\u01b0\u1ee3ng thanh tra gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 y\u00eau c\u1ea7u c\u00e1c c\u00e1 nh\u00e2n kh\u00f4ng li\u00ean quan \u0111\u1ebfn t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cung c\u1ea5p th\u00f4ng tin, do \u0111\u00f3 r\u1ea5t kh\u00f3 n\u1eafm b\u1eaft t\u00ecnh h\u00ecnh.<\/em><\/p>\n

H\u00e0<\/strong> T\u00e2m<\/strong><\/h5>\n

————-<\/em><\/p>\n

\u0110\u1ea7u<\/em><\/strong> t\u01b0 Ch\u1ee9ng kho\u00e1n<\/em><\/strong> (T\u00e0i<\/em><\/strong> ch\u00ednh<\/em><\/strong>) ng\u00e0y <\/em><\/strong>24-5<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/www.tinnhanhchungkhoan.vn\/ke-sach-chan-ong-chu-tay-khong-lung-doan-ngan-hang-post322119.html<\/a> <\/em><\/p>\n

(<\/em>399\/1.925<\/em>) #TCTD #NHNN<\/em>","protected":false},"excerpt":{"rendered":"

K\u1ebf s\u00e1ch ch\u1eb7n \u00f4ng ch\u1ee7 tay kh\u00f4ng l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng (\u0110TCK) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111ang d\u1ef1 \u0111\u1ecbnh si\u1ebft ch\u1eb7t c\u00e1c quy \u0111\u1ecbnh v\u1ec1 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng c\u1ee7a c\u00e1 nh\u00e2n ho\u1eb7c nh\u00f3m c\u00e1 nh\u00e2n. Tuy nhi\u00ean, gi\u1ea3i ph\u00e1p n\u00e0y \u0111\u01b0\u1ee3c cho l\u00e0 kh\u00f4ng c\u00f3 nhi\u1ec1u t\u00e1c d\u1ee5ng v\u1edbi ch\u1ed1ng s\u1edf h\u1eefu […]<\/p>\n","protected":false},"author":1,"featured_media":37092,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-37091","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.507. K\u1ebf s\u00e1ch ch\u1eb7n \u00f4ng ch\u1ee7 tay kh\u00f4ng l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"NHNN \u0111ang d\u1ef1 \u0111\u1ecbnh si\u1ebft ch\u1eb7t c\u00e1c quy \u0111\u1ecbnh v\u1ec1 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng c\u1ee7a c\u00e1 nh\u00e2n ho\u1eb7c nh\u00f3m c\u00e1 nh\u00e2n nh\u1eb1m ch\u1eb7n tr\u00f2 tay kh\u00f4ng l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng...\" \/>\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\/3-507-ke-sach-chan-ong-chu-tay-khong-lung-doan-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.507. 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