{"id":37213,"date":"2023-06-13T21:22:37","date_gmt":"2023-06-13T14:22:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37213"},"modified":"2024-11-25T10:54:46","modified_gmt":"2024-11-25T03:54:46","slug":"3-521-kho-xu-ly-triet-de-so-huu-cheo-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-522-kho-xu-ly-triet-de-so-huu-cheo-ngan-hang\/","title":{"rendered":"3.522. Kh\u00f3 x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Kh\u00f3 x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(KT\u0110T) – M\u1ed1i lo ng\u1ea1i t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, doanh nghi\u1ec7p s\u00e2n sau trong c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n ch\u01b0a \u0111\u01b0\u1ee3c x\u1eed l\u00fd d\u1ee9t \u0111i\u1ec3m.<\/strong><\/h5>\n
L\u00e1ch lu\u1eadt \u0111\u1ec3 s\u1edf h\u1eefu ng\u1ea7m<\/strong><\/h5>\n

S\u1edf h\u1eefu ch\u00e9o t\u1ea1o ra m\u1ed9t nh\u00f3m quy\u1ec1n l\u1ef1c c\u00f3 th\u1ec3 thao t\u00fang ng\u00e2n h\u00e0ng. Th\u00f4ng qua s\u1edf h\u1eefu ch\u00e9o, nh\u1eefng th\u00e0nh vi\u00ean trong H\u0110QT ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u00f3 nh\u1eefng ch\u1ea5p thu\u1eadn \u0111\u1ed1i v\u1edbi c\u00e1c g\u00f3i t\u00edn d\u1ee5ng v\u01b0\u1ee3t kh\u1ecfi m\u1ecdi quy \u0111\u1ecbnh. \u0110\u1ec3 h\u1ee3p th\u1ee9c ho\u00e1 c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng n\u00e0y, h\u1ecd s\u1ebd ph\u1ea3i l\u00e1ch quy \u0111\u1ecbnh b\u1eb1ng c\u00e1ch n\u00e0y hay c\u00e1ch kh\u00e1c.<\/p>\n

\"x\u1eed

\u1ea2nh minh ho\u1ea1<\/p><\/div>\n

Ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m c\u00e1 nh\u00e2n, doanh nghi\u1ec7p s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n \u1edf m\u1ed9t ng\u00e2n h\u00e0ng, m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, nh\u01b0ng ch\u1ec9 \u0111\u01b0\u1ee3c s\u1edf h\u1eefu \u1edf m\u1ed9t m\u1ee9c \u0111\u1ed9 nh\u1ea5t \u0111\u1ecbnh. Th\u1eddi gian qua, c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng r\u1ed1t r\u00e1o x\u1eed l\u00fd v\u1ea5n \u0111\u1ec1 s\u1edf h\u1eefu ch\u00e9o, vi ph\u1ea1m s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tuy nhi\u00ean, v\u1eabn c\u00f2n m\u1ed1i lo v\u1ec1 v\u1ea5n \u0111\u1ec1 l\u00e1ch lu\u1eadt \u0111\u1ec3 s\u1edf h\u1eefu ch\u00e9o, s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u01b0\u1ee3t m\u1ee9c quy \u0111\u1ecbnh t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng hay c\u00f2n g\u1ecdi l\u00e0 s\u1edf h\u1eefu ng\u1ea7m v\u01b0\u1ee3t m\u1ee9c quy \u0111\u1ecbnh c\u1ee7a c\u1ed5 \u0111\u00f4ng, nh\u00f3m c\u1ed5 \u0111\u00f4ng ng\u00e2n h\u00e0ng, d\u1eabn t\u1edbi vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 b\u1ecb thao t\u00fang, chi ph\u1ed1i b\u1edfi c\u00e1c c\u1ed5 \u0111\u00f4ng n\u00e0y, ti\u1ec1m \u1ea9n nguy c\u01a1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng thi\u1ebfu minh b\u1ea1ch..<\/p>\n

Ph\u00e1t bi\u1ec3u t\u1ea1i Qu\u1ed1c h\u1ed9i, m\u1ed9t s\u1ed1 \u0111\u1ea1i bi\u1ec3u c\u00f2n nh\u1ea5n m\u1ea1nh, \u0111\u1eb1ng sau m\u1ed7i ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 nhi\u1ec1u \u0111\u1ea1i gia “ch\u1ed1ng l\u01b0ng” v\u00e0 c\u1ee9 nh\u00ecn v\u00e0o m\u1ed9t ng\u00e2n h\u00e0ng th\u00ec s\u1ebd th\u1ea5y b\u00f3ng d\u00e1ng c\u1ee7a m\u1ed9t doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u00eda sau. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f2n xu\u1ea5t hi\u1ec7n t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n, c\u00f3 s\u1ef1 “l\u00e1ch lu\u1eadt” v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, l\u00e1ch c\u1ea3 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng cho m\u1ed9t s\u1ed1 doanh nghi\u1ec7p…<\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng an TP H\u00e0 N\u1ed9i Nguy\u1ec5n H\u1ea3i Trung \u0111\u00e1nh gi\u00e1, t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, thao t\u00fang, l\u1ee3i \u00edch nh\u00f3m trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng v\u1eabn l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u00e1ng lo ng\u1ea1i, \u0111\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 cho vay \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p thu\u1ed9c h\u1ec7 sinh th\u00e1i, t\u1eadp \u0111o\u00e0n kinh t\u1ebf t\u01b0 nh\u00e2n.<\/p>\n

C\u00f2n theo PGS.TS \u0110inh Tr\u1ecdng Th\u1ecbnh, n\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 s\u1ef1 t\u00e1c \u0111\u1ed9ng, chi ph\u1ed1i b\u1edfi c\u1ed5 \u0111\u00f4ng ho\u1eb7c nh\u00f3m n\u00e0o \u0111\u00f3 \u0111\u1ed5 v\u1ed1n v\u00e0o nh\u1eefng l\u0129nh v\u1ef1c c\u00f3 r\u1ee7i ro r\u1ea5t cao nh\u01b0 B\u0110S, ch\u1ee9ng kho\u00e1n, tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p\u2026 c\u00f3 th\u1ec3 l\u00e0m x\u00e1o tr\u1ed9n c\u00e1c th\u1ecb tr\u01b0\u1eddng.<\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u00e3 t\u1eebng nh\u00ecn th\u1ea5y ngay t\u1ea1i Vi\u1ec7t Nam trong giai \u0111o\u1ea1n nh\u1eefng n\u0103m 2008-2010, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng d\u1ed3n v\u1ed1n cho c\u00e1c doanh nghi\u1ec7p vay \u0111\u1ec3 \u0111\u1ea7u t\u01b0 B\u0110S t\u1ea1o ra hi\u1ec7n t\u01b0\u1ee3ng bong b\u00f3ng B\u0110S, cu\u1ed1i c\u00f9ng khi bong b\u00f3ng v\u1ee1 th\u00ec kh\u00f4ng ch\u1ec9 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00f3 m\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf h\u00e0ng bao nhi\u00eau n\u0103m kh\u00f4ng gi\u1ea3i quy\u1ebft xong n\u1ee3 \u0111\u1ecdng, n\u1ee3 x\u1ea5u.<\/p>\n

V\u1ea5n \u0111\u1ec1 s\u1edf h\u1eefu ch\u00e9o, s\u1edf h\u1eefu v\u01b0\u1ee3t m\u1ee9c quy \u0111\u1ecbnh \u0111\u1ec3 r\u1ed3i chi ph\u1ed1i, thao t\u00fang ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng t\u1eebng x\u1ea3y ra trong qu\u00e1 kh\u1ee9, c\u00f3 th\u1ec3 th\u1ea5y r\u00f5 qua c\u00e1c \u0111\u1ea1i \u00e1n nh\u01b0\u00a0H\u1ee9a Th\u1ecb Ph\u1ea5n t\u1ea1i\u00a0Trustbank,\u00a0Ph\u1ea1m C\u00f4ng Danh t\u1ea1i\u00a0VNCB hay\u00a0H\u00e0 V\u0103n Th\u1eafm t\u1ea1i\u00a0Oceanbank\u2026\u00a0 C\u00e1c v\u1ee5 vi\u1ec7c x\u1ea3y ra tr\u01b0\u1edbc \u0111\u00e2y t\u1ea1i 3 ng\u00e2n h\u00e0ng OceanBank, GPBank v\u00e0 CB (Ng\u00e2n h\u00e0ng X\u00e2y d\u1ef1ng) d\u1eabn \u0111\u1ebfn NHNN ph\u1ea3i mua b\u1eaft bu\u1ed9c v\u1edbi gi\u00e1 0 \u0111\u1ed3ng c\u0169ng c\u00f3 nguy\u00ean nh\u00e2n m\u1ed9t ph\u1ea7n l\u00e0 do s\u1edf h\u1eefu ch\u00e9o. Do \u0111\u00f3, theo c\u00e1c chuy\u00ean gia, c\u1ea7n thi\u1ebft ph\u1ea3i r\u00e0 so\u00e1t \u0111\u1ed3ng b\u1ed9 h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt \u0111\u1ec3 th\u1eaft ch\u1eb7t, h\u1ea1n ch\u1ebf nh\u1eefng v\u1ee5 vi\u1ec7c qui m\u00f4 l\u1edbn, g\u00e2y ra t\u1ed5n th\u1ea5t nghi\u00eam tr\u1ecdng cho h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t sau s\u1ef1 vi\u1ec7c ng\u00e2n h\u00e0ng SCB – V\u1ea1n Th\u1ecbnh Ph\u00e1t g\u1ea7n \u0111\u00e2y.<\/p>\n

S\u1eeda Lu\u1eadt c\u00f3 ng\u0103n \u0111\u01b0\u1ee3c s\u00e2n tr\u01b0\u1edbc, s\u00e2n sau?<\/strong><\/p>\n

\u0110\u1ec3 ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o trong ng\u00e2n h\u00e0ng, n\u0103m 2023, NHNN t\u1eadp trung thanh tra vi\u1ec7c chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c th\u00e2u t\u00f3m, chi ph\u1ed1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. C\u00f9ng v\u1edbi vi\u1ec7c t\u1eadp trung thanh tra chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu, c\u1ed5 ph\u1ea7n ng\u00e2n h\u00e0ng, NHNN \u0111\u00e3 \u0111\u01b0a v\u00e0o k\u1ebf ho\u1ea1ch thanh tra n\u0103m 2023 vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng l\u1edbn (t\u1eadp trung t\u00edn d\u1ee5ng c\u00f3 li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n, c\u1ed5 \u0111\u00f4ng l\u1edbn, ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u2026).<\/p>\n

N\u1ed9i Th\u1ef1c t\u1ebf v\u1eabn t\u1ed3n t\u1ea1i c\u1ed5 \u0111\u00f4ng l\u1edbn \u0111\u1ee9ng danh ho\u1eb7c kh\u00f4ng \u0111\u1ee9ng danh H\u0110QT \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh, n\u1eafm c\u1ed5 ph\u1ea7n chi ph\u1ed1i v\u00e0 \u0111i\u1ec1u h\u00e0nh ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. Do \u0111\u00f3 c\u1ea7n b\u1ed5 sung th\u00eam c\u00e1c quy \u0111\u1ecbnh, t\u0103ng c\u01b0\u1eddng vai tr\u00f2 c\u1ee7a NHNN \u0111\u1ec3 h\u1ea1n ch\u1ebf h\u00e0nh vi l\u1ea1m 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 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Hai l\u00e0, ph\u1ea3i c\u00f3 th\u00eam c\u00e1c bi\u1ec7n ph\u00e1p, gi\u1ea3i ph\u00e1p \u0111\u1ec3 qu\u1ea3n l\u00fd, ki\u1ec3m so\u00e1t vi\u1ec7c l\u00e1ch lu\u1eadt, s\u1eed d\u1ee5ng nhi\u1ec1u c\u00e1 nh\u00e2n ph\u00e1p nh\u00e2n kh\u00e1c \u0111\u1ee9ng t\u00ean c\u1ed5 ph\u1ea7n t\u1ea1o nh\u00f3m c\u1ed5 \u0111\u00f4ng l\u1edbn \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.\u00a0(Gi\u00e1m \u0111\u1ed1c C\u00f4ng an TP H\u00e0 N\u1ed9i Nguy\u1ec5n H\u1ea3i Trung)<\/strong><\/em><\/p>\n

“NHNN \u0111\u00e3 t\u00edch c\u1ef1c ki\u1ec3m tra, thanh tra, x\u1eed l\u00fd vi\u1ec7c s\u1edf h\u1eefu ch\u00e9o. Hi\u1ec7n nay kh\u00f4ng c\u00f2n tr\u01b0\u1eddng h\u1ee3p s\u1edf h\u1eefu ch\u00e9o m\u00e0 ch\u00fang ta ph\u00e1t hi\u1ec7n tr\u00ean h\u1ed3 s\u01a1, s\u1ed5 s\u00e1ch. Tuy nhi\u00ean, trong th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 \u0111\u1ee9ng t\u00ean h\u1ed9, nh\u1edd ng\u01b0\u1eddi kh\u00e1c” – Ph\u00f3 th\u1ee7 t\u01b0\u1edbng L\u00ea Minh Kh\u00e1i n\u00eau v\u00e0 cho r\u1eb1ng, ph\u1ea3i c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p, \u0111\u00e1nh gi\u00e1 gi\u1eefa c\u00e1c c\u1ea5p, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c c\u01a1 quan b\u1ea3o v\u1ec7 ph\u00e1p lu\u1eadt.<\/p>\n

T\u1ea1i D\u1ef1 \u00e1n Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i), \u0111\u1ec3 h\u1ea1n ch\u1ebf s\u1edf h\u1eefu ch\u00e9o, d\u1ef1 th\u1ea3o lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u00e0 c\u00e1 nh\u00e2n, c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c, c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u1ee7a c\u1ed5 \u0111\u00f4ng \u0111\u00f3 t\u01b0\u01a1ng \u1ee9ng t\u1eeb kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 5%, 15%, 20% xu\u1ed1ng c\u00f2n 3%, 10% v\u00e0 15%.<\/p>\n

Theo TS. L\u00ea Xu\u00e2n Ngh\u0129a – Th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng T\u01b0 v\u1ea5n ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 qu\u1ed1c gia, 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 trong d\u1ef1 th\u1ea3o Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) v\u1ec1 c\u01a1 b\u1ea3n \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. Tuy nhi\u00ean, n\u1ebfu ch\u1ec9 d\u1eebng l\u1ea1i \u1edf c\u00e1c quy \u0111\u1ecbnh n\u00e0y th\u00ec ch\u01b0a \u0111\u1ee7, do c\u1ea5u tr\u00fac s\u1edf h\u1eefu ng\u00e2n h\u00e0ng \u1edf n\u01b0\u1edbc ta qu\u00e1 ph\u1ee9c t\u1ea1p trong khi thanh tra, gi\u00e1m s\u00e1t \u1edf Vi\u1ec7t Nam c\u00f2n y\u1ebfu. Trong khi \u0111\u1ed1i t\u01b0\u1ee3ng qu\u1ea3n l\u00fd c\u1ee7a NHNN ch\u1ec9 l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u00ec v\u1eady, vi\u1ec7c s\u1edf h\u1eefu ch\u00e9o gi\u1eefa c\u00e1c c\u00f4ng ty trong l\u0129nh v\u1ef1c kh\u00e1c, NHNN kh\u00f4ng c\u00f3 th\u00f4ng tin c\u0169ng nh\u01b0 kh\u00f4ng c\u00f3 c\u00f4ng c\u1ee5 \u0111\u1ec3 ki\u1ec3m so\u00e1t.<\/p>\n

Gi\u1ea3i ph\u00e1p th\u1eddi gian t\u1edbi, Ph\u00f3 th\u1ee7 t\u01b0\u1edbng L\u00ea Minh Kh\u00e1i n\u00eau, th\u1ee9 nh\u1ea5t l\u00e0 ho\u00e0n thi\u1ec7n v\u1ec1 c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch. Gi\u1ea3i ph\u00e1p th\u1ee9 hai Ph\u00f3 th\u1ee7 t\u01b0\u1edbng n\u00eau l\u00e0 ph\u1ea3i t\u0103ng c\u01b0\u1eddng c\u01a1 quan thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t. C\u01a1 quan n\u00e0y ph\u1ea3i ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed9c l\u1eadp, ph\u1ea3i \u0111\u1ee7 n\u0103ng l\u1ef1c v\u00e0 c\u0169ng ph\u1ea3i tri\u1ec3n khai ho\u1ea1t \u0111\u1ed9ng thanh tra h\u1ebft s\u1ee9c hi\u1ec7u l\u1ef1c, hi\u1ec7u qu\u1ea3, h\u1ebft s\u1ee9c tr\u1ecdng t\u00e2m, tr\u1ecdng \u0111i\u1ec3m. Ti\u1ebfp theo, Ph\u00f3 th\u1ee7 t\u01b0\u1edbng cho r\u1eb1ng h\u1ec7 th\u1ed1ng ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 ph\u1ea3i t\u1ef1 ph\u00e1t hi\u1ec7n ra cho vay l\u1ec7ch chu\u1ea9n th\u00ec ph\u1ea3i x\u1eed l\u00fd k\u1ecbp th\u1eddi trong n\u1ed9i b\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 NHNN xem c\u00e1c c\u01a1 quan ki\u1ec3m tra, ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 l\u00e0 m\u1ed9t c\u00e1nh tay n\u1ed1i d\u00e0i c\u1ee7a thanh tra NHNN \u0111\u1ec3 x\u1eed l\u00fd.<\/p>\n

Ph\u1ea3i th\u01b0\u1eddng xuy\u00ean gi\u00e1m s\u00e1t, ki\u1ec3m tra, \u0111\u1ea3m b\u1ea3o c\u00e1c ng\u00e2n h\u00e0ng tuy\u1ec7t \u0111\u1ed1i tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng. Theo \u0111\u00f3, t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 15% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. T\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi li\u00ean quan kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 25% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. NHNN c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf 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.\u00a0<\/em>(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

Th\u1ea3o Nguy\u00ean\u00a0<\/strong><\/p>\n

————-<\/em><\/p>\n

Kinh<\/em><\/strong> t\u1ebf & \u0110\u00f4 th\u1ecb (Kinh t\u1ebf<\/em><\/strong>) ng\u00e0y <\/em><\/strong>13-6<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/kinhtedothi.vn\/kho-xu-ly-triet-de-so-huu-cheo-ngan-hang.html<\/a><\/em><\/p>\n

(<\/em>101\/1.444<\/em>) #TCTC<\/em>","protected":false},"excerpt":{"rendered":"

Kh\u00f3 x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng (KT\u0110T) – M\u1ed1i lo ng\u1ea1i t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, doanh nghi\u1ec7p s\u00e2n sau trong c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n ch\u01b0a \u0111\u01b0\u1ee3c x\u1eed l\u00fd d\u1ee9t \u0111i\u1ec3m. L\u00e1ch lu\u1eadt \u0111\u1ec3 s\u1edf h\u1eefu ng\u1ea7m S\u1edf h\u1eefu ch\u00e9o t\u1ea1o ra m\u1ed9t nh\u00f3m quy\u1ec1n l\u1ef1c c\u00f3 th\u1ec3 […]<\/p>\n","protected":false},"author":1,"featured_media":37214,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-37213","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":"\n3.522. 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Kh\u00f3 x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"M\u1ed1i lo ng\u1ea1i t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, DN s\u00e2n sau trong c\u00e1c NH ch\u01b0a \u0111\u01b0\u1ee3c x\u1eed l\u00fd d\u1ee9t \u0111i\u1ec3m, kh\u00f3 x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/3-521-kho-xu-ly-triet-de-so-huu-cheo-ngan-hang\/\" \/>\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=\"2023-06-13T14:22:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-25T03:54:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/06\/Picture1-12.png\" \/>\n\t<meta property=\"og:image:width\" content=\"945\" \/>\n\t<meta property=\"og:image:height\" content=\"589\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\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=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-521-kho-xu-ly-triet-de-so-huu-cheo-ngan-hang\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-521-kho-xu-ly-triet-de-so-huu-cheo-ngan-hang\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"3.522. 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