{"id":38882,"date":"2024-01-29T08:47:55","date_gmt":"2024-01-29T01:47:55","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38882"},"modified":"2024-10-10T10:55:10","modified_gmt":"2024-10-10T03:55:10","slug":"3-654-siet-ty-le-so-huu-ngan-lung-doan-ngan-hang-chuyen-gia-noi-gi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-654-siet-ty-le-so-huu-ngan-lung-doan-ngan-hang-chuyen-gia-noi-gi\/","title":{"rendered":"3.654. \u201cSi\u1ebft\u201d t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, ng\u0103n l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng: Chuy\u00ean gia n\u00f3i g\u00ec?"},"content":{"rendered":"
\u201cSi\u1ebft\u201d t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, ng\u0103n l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng: Chuy\u00ean gia n\u00f3i g\u00ec?<\/span><\/h5>\n
(DV) – C\u00e1c quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a c\u1ee7a m\u1ed9t c\u1ed5 \u0111\u00f4ng v\u00e0 m\u1ed9t nh\u00f3m c\u1ed5 \u0111\u00f4ng li\u00ean quan t\u1ea1i m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u01b0\u1ee3c thay \u0111\u1ed5i theo h\u01b0\u1edbng ch\u1eb7t ch\u1ebd h\u01a1n. Lu\u1eadt C\u00e1c TCTD m\u1edbi c\u0169ng b\u1ed5 sung quy \u0111\u1ecbnh t\u0103ng t\u00ednh c\u00f4ng khai, minh b\u1ea1ch nhi\u1ec1u h\u01a1n. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc ti\u1ebfn m\u1ea1nh m\u1ebd x\u1eed l\u00fd c\u00e1c “l\u1ed7 h\u1ed5ng” trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/h5>\n
Ch\u1eb7t ch\u1ebd, minh b\u1ea1ch h\u01a1n, song hi\u1ec7u qu\u1ea3 c\u1ee7a quy \u0111\u1ecbnh ph\u1ee5 thu\u1ed9c nhi\u1ec1u v\u00e0o kh\u00e2u th\u1ef1c thi<\/strong><\/h5>\n

Gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u00e0 gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u1ed5 \u0111\u00f4ng l\u1edbn v\u00e0 c\u00e1c b\u00ean li\u00ean quan t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, chi ph\u1ed1i v\u00e0 l\u0169ng \u0111o\u1ea1n t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111ang l\u00e0 m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u1ed5i c\u1ed9m trong th\u1eddi gian v\u1eeba qua. \u0110\u1ec3 gi\u1ea3m thi\u1ec3u t\u00ecnh tr\u1ea1ng n\u00e0y, Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i), \u0111\u00e3 \u0111\u01b0a ra c\u00e1c quy \u0111\u1ecbnh v\u1ec1 gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u1edbn; gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan so v\u1edbi quy \u0111\u1ecbnh trong Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010.<\/p>\n

Theo \u0111\u00f3, k\u1ec3 t\u1eeb ng\u00e0y 01\/07\/2024 c\u1ed5 \u0111\u00f4ng c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu qu\u00e1 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t TCTD (bao g\u1ed3m c\u1ea3 s\u1edf h\u1eefu gi\u00e1n ti\u1ebfp); M\u1ed9t t\u1ed5 ch\u1ee9c kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu v\u01b0\u1ee3t qu\u00e1 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t TCTD (bao g\u1ed3m c\u1ea3 s\u1edf h\u1eefu gi\u00e1n ti\u1ebfp); C\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu qu\u00e1 15% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t TCTD. C\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u1ee7a m\u1ed9t TCTD kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu qu\u00e1 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t TCTD kh\u00e1c. \u0110\u1ed3ng th\u1eddi, Lu\u1eadt b\u1ed5 sung quy \u0111\u1ecbnh c\u00f4ng b\u1ed1 th\u00f4ng tin \u0111\u1ed1i v\u1edbi c\u1ed5 \u0111\u00f4ng n\u1eafm gi\u1eef t\u1eeb 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7.<\/p>\n

\"Si\u1ebft<\/p>\n

“Si\u1ebft” t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, ng\u0103n l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng. (\u1ea2nh: NH)<\/h6>\n

Chia s\u1ebb v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, b\u00e0 Tr\u1ea7n Th\u1ecb Kh\u00e1nh Hi\u1ec1n, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Nghi\u00ean c\u1ee9u c\u1ee7a Ch\u1ee9ng kho\u00e1n MB (MBS) cho r\u1eb1ng, nh\u1eefng v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn s\u1edf h\u1eefu ch\u00e9o, chi ph\u1ed1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;… s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng nhi\u1ec1u nh\u1ea5t \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft. Tuy nhi\u00ean, b\u00e0 \u0111\u00e1nh gi\u00e1 Lu\u1eadt C\u00e1c TCTD s\u1eeda \u0111\u1ed5i s\u1ebd l\u00e0 h\u00e0nh lang ph\u00e1p l\u00fd quan tr\u1ecdng g\u00f3p ph\u1ea7n gi\u00fap h\u1ec7 th\u1ed1ng ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh, minh b\u1ea1ch v\u00e0 ti\u1ec7m c\u1eadn v\u1edbi chu\u1ea9n qu\u1ed1c t\u1ebf.<\/p>\n

Theo th\u1ed1ng k\u00ea c\u1ee7a MBS Research, hi\u1ec7n t\u1ea1i c\u00f3 7 ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft c\u00f3 c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c s\u1edf h\u1eefu tr\u00ean 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7 (\u0111\u00e3 lo\u1ea1i tr\u1eeb c\u00e1c TCTD c\u00f3 c\u1ed5 \u0111\u00f4ng chi\u1ebfn l\u01b0\u1ee3c l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i).<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong> nh\u1eadn x\u00e9t, nh\u1eefng quy \u0111\u1ecbnh n\u00eau tr\u00ean kh\u1eaft khe h\u01a1n so v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh. \u0110\u1eb7c bi\u1ec7t, \u0111\u1ed1i v\u1edbi quy \u0111\u1ecbnh c\u00e1c c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a TCTD ph\u1ea3i cung c\u1ea5p th\u00f4ng tin, \u0111\u1ed3ng th\u1eddi c\u00e1c TCTD ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00f4ng b\u1ed1 c\u00f4ng khai minh b\u1ea1ch th\u00f4ng tin c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng n\u00e0y, theo \u00f4ng \u0110\u1ee9c, s\u1ebd gi\u00fap cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc d\u1ec5 qu\u1ea3n l\u00fd h\u01a1n.<\/em><\/p>\n

N\u00eau \u0111\u00e1nh gi\u00e1 v\u1ec1 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a c\u1ee7a m\u1ed9t c\u1ed5 \u0111\u00f4ng v\u00e0 m\u1ed9t nh\u00f3m c\u1ed5 \u0111\u00f4ng li\u00ean quan t\u1ea1i m\u1ed9t TCT, theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) TS C\u1ea5n V\u0103n L\u1ef1c \u2013 Chuy\u00ean gia Kinh t\u1ebf tr\u01b0\u1edfng BIDV c\u0169ng th\u1eeba nh\u1eadn, quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c thay \u0111\u1ed5i theo h\u01b0\u1edbng ch\u1eb7t ch\u1ebd h\u01a1n.<\/p>\n

C\u1ee5 th\u1ec3, m\u1ed9t c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 5% (nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt hi\u1ec7n h\u00e0nh), m\u1ed9t t\u1ed5 ch\u1ee9c kh\u00f4ng s\u1edf h\u1eefu v\u01b0\u1ee3t qu\u00e1 10% (hi\u1ec7n nay \u0111ang l\u00e0 15%) v\u00e0 m\u1ed9t nh\u00f3m c\u1ed5 \u0111\u00f4ng li\u00ean quan kh\u00f4ng s\u1edf h\u1eefu v\u01b0\u1ee3t qu\u00e1 15% (hi\u1ec7n nay \u0111ang l\u00e0 20%) v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t TCTD.<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3, quy \u0111\u1ecbnh v\u1ec1 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u0169ng (kho\u1ea3n 24, \u0110i\u1ec1u 4) \u0111\u01b0\u1ee3c l\u00e0m r\u00f5 v\u00e0 r\u1ed9ng h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n nay, \u0111\u1eb7c bi\u1ec7t v\u1edbi b\u00ean c\u00f3 li\u00ean quan l\u00e0 c\u00e1 nh\u00e2n. Quy \u0111\u1ecbnh n\u00e0y g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf kh\u1ea3 n\u0103ng m\u1ed9t nh\u00f3m c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu \u0111a s\u1ed1 c\u1ed5 ph\u1ea7n, t\u1eeb \u0111\u00f3 g\u00f3p ph\u1ea7n gi\u1ea3m s\u1edf h\u1eefu ch\u00e9o, thao t\u00fang ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD (nh\u01b0 tr\u01b0\u1eddng h\u1ee3p t\u1ea1i Ng\u00e2n h\u00e0ng SCB v\u1eeba qua).<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, Lu\u1eadt c\u00e1c TCTD s\u1eeda \u0111\u1ed5i c\u0169ng \u0111\u01b0a ra quy \u0111\u1ecbnh chuy\u1ec3n ti\u1ebfp \u0111\u1ed1i v\u1edbi n\u1ed9i dung n\u00e0y (nh\u1eefng c\u1ed5 \u0111\u00f4ng c\u00f3 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu cao h\u01a1n gi\u1edbi h\u1ea1n cho ph\u00e9p, tr\u01b0\u1edbc khi Lu\u1eadt c\u00f3 hi\u1ec7u l\u1ef1c) v\u1eabn s\u1ebd \u0111\u01b0\u1ee3c gi\u1eef nguy\u00ean (kh\u00f4ng ph\u1ea3i b\u00e1n ra c\u1ed5 ph\u1ea7n), nh\u01b0ng s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p tham gia v\u00e0o c\u00e1c \u0111\u1ee3t ph\u00e1t h\u00e0nh c\u1ed5 ph\u1ea7n m\u1edbi c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u1ef7 l\u1ec7 s\u1edf h\u1eefu hi\u1ec7n t\u1ea1i s\u1ebd gi\u1ea3m d\u1ea7n v\u1ec1 gi\u1edbi h\u1ea1n theo l\u1ed9 tr\u00ecnh \u0111\u1ebfn n\u0103m 2029, qua \u0111\u00f3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng hi\u1ec7n h\u1eefu.<\/p>\n

Tuy nhi\u00ean, theo TS L\u1ef1c t\u00ednh hi\u1ec7u l\u1ef1c, hi\u1ec7u qu\u1ea3 c\u1ee7a quy \u0111\u1ecbnh n\u00e0y c\u00f2n ph\u1ee5 thu\u1ed9c nhi\u1ec1u v\u00e0o kh\u00e2u th\u1ef1c thi sau n\u00e0y, nh\u1ea5t l\u00e0 vi\u1ec7c tu\u00e2n th\u1ee7 c\u00f4ng b\u1ed1 th\u00f4ng tin, \u0111\u1ea3m b\u1ea3o th\u1ef1c ch\u1ea5t, c\u00f4ng khai, minh b\u1ea1ch v\u00e0 k\u1ecbp th\u1eddi\u2026<\/p>\n

Lu\u1eadt C\u00e1c TCTD m\u1edbi b\u1ed5 sung quy \u0111\u1ecbnh t\u0103ng t\u00ednh c\u00f4ng khai, minh b\u1ea1ch nhi\u1ec1u h\u01a1n (\u0110i\u1ec1u 49). Ngo\u00e0i ra, danh s\u00e1ch c\u00e1c c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu tr\u00ean 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a TCTD s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 c\u00f4ng khai. \u0110i\u1ec1u n\u00e0y, theo \u00f4ng L\u1ef1c \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng l\u00e0m t\u0103ng t\u00ednh minh b\u1ea1ch v\u00e0 gi\u00e1m s\u00e1t \u0111\u1ea1i ch\u00fang \u0111\u1ed1i v\u1edbi c\u00e1c TCTD (k\u1ec3 c\u1ea3 c\u00e1c TCTD ch\u01b0a ni\u00eam y\u1ebft), g\u00f3p ph\u1ea7n l\u00e0m gi\u1ea3m t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, theo t\u00fang TCTD. Tuy nhi\u00ean, gi\u1ed1ng nh\u01b0 tr\u00ean, t\u00ednh hi\u1ec7u l\u1ef1c, hi\u1ec7u qu\u1ea3 c\u1ee7a quy \u0111\u1ecbnh n\u00e0y c\u00f2n ph\u1ee5 thu\u1ed9c nhi\u1ec1u v\u00e0o kh\u00e2u th\u1ef1c thi sau n\u00e0y, nh\u1ea5t l\u00e0 vi\u1ec7c tu\u00e2n th\u1ee7 c\u00f4ng b\u1ed1 th\u00f4ng tin m\u1ed9t c\u00e1ch th\u1ef1c ch\u1ea5t, minh b\u1ea1ch v\u00e0 k\u1ecbp th\u1eddi\u2026<\/p>\n

Ph\u1ea3i t\u1ea1o c\u01a1 ch\u1ebf m\u1ea1nh \u0111\u1ec3 x\u1eed l\u00fd nh\u01b0 cho ph\u00e9p c\u01a1 quan thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 quy\u1ec1n \u0111i\u1ec1u tra.<\/p>\n

V\u1eabn c\u00f3 th\u1ec3 c\u00f2n “s\u1ea1n” nh\u01b0ng quy m\u00f4 nh\u1ecf h\u01a1n<\/h5>\n

Chia s\u1ebb v\u1edbi PV, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu \u2013 Chuy\u00ean gia Kinh t\u1ebf th\u00ec cho r\u1eb1ng, Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) l\u00e0 b\u01b0\u1edbc ti\u1ebfn m\u1ea1nh m\u1ebd trong vi\u1ec7c n\u1ed7 l\u1ef1c x\u1eed l\u00fd c\u00e1c “l\u1ed7 h\u1ed5ng” trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD. \u00d4ng \u0111\u00e1nh gi\u00e1, vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u00e0 t\u1ef7 l\u1ec7 v\u1ed1n cho vay nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) l\u00e0 ph\u00f9 h\u1ee3p.<\/p>\n

Tuy nhi\u00ean, \u00f4ng c\u0169ng l\u01b0u \u00fd, c\u00e1c quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 bi\u1ec7n ph\u00e1p tr\u1ecdng y\u1ebfu \u0111\u1ec3 ng\u0103n s\u1edf h\u1eefu ch\u00e9o. Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c v\u1eabn lu\u00f4n t\u00ecm nhi\u1ec1u c\u00e1ch \u0111\u1ec3 “l\u00e1ch” \u0111\u01b0\u1ee3c c\u00e1c quy \u0111\u1ecbnh nh\u01b0 v\u1eady nh\u1eb1m t\u0103ng c\u1ed5 ph\u1ea7n th\u1ef1c t\u1ebf. Ch\u1eb3ng h\u1ea1n nh\u01b0 vi\u1ec7c thu\u00ea, nh\u1edd ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean c\u1ed5 ph\u1ea7n \u0111\u1ec3 gia t\u0103ng ph\u1ea7n s\u1edf h\u1eefu nh\u1eb1m chi ph\u1ed1i, ki\u1ec3m so\u00e1t t\u1ea1i m\u1ed9t s\u1ed1 TCTD.<\/p>\n

\u0110\u1ed3ng t\u00ecnh, chuy\u00ean gia t\u00e0i ch\u00ednh Phan L\u00ea Th\u00e0nh Long c\u0169ng ch\u1ec9 ra c\u00e1c \u0111i\u1ec3m “ti\u1ebfn b\u1ed9” trong Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) l\u1ea7n n\u00e0y nh\u01b0: M\u1edf r\u1ed9ng c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng li\u00ean quan \u0111\u1ec3 \u0111\u01b0a v\u00e0o ki\u1ec3m so\u00e1t; C\u00e1c c\u01a1 quan gi\u00e1m s\u00e1t, \u0111\u1eb7c bi\u1ec7t l\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc s\u1ebd nh\u00ecn v\u00e0o b\u1ea3n ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1 \u0111\u1ec3 \u0111\u01b0a ra c\u00e2u chuy\u1ec7n x\u1eed l\u00fd m\u1ed9t c\u00e1ch th\u1ef1c ch\u1ea5t h\u01a1n; C\u00f4ng b\u1ed1 th\u00f4ng tin v\u00e0 ki\u1ec3m so\u00e1t th\u00f4ng tin ch\u1eb7t ch\u1ebd h\u01a1n;…<\/p>\n

V\u1edbi \u00fd ki\u1ebfn cho r\u1eb1ng, quy \u0111\u1ecbnh hi\u1ec7n t\u1ea1i \u0111\u00e3 ch\u1eb7t ch\u1ebd h\u01a1n song c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c v\u1eabn lu\u00f4n t\u00ecm nhi\u1ec1u c\u00e1ch \u0111\u1ec3 “l\u00e1ch” \u0111\u01b0\u1ee3c c\u00e1c quy \u0111\u1ecbnh nh\u01b0 v\u1eady, \u00f4ng Long nh\u1ea5n m\u1ea1nh: Lu\u1eadt ra \u0111\u1ec3 s\u00e0ng l\u1ecdc “s\u1ea1n”. Ch\u00ednh v\u00ec v\u1eady, c\u00e0ng s\u00e0ng \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ea1n c\u00e0ng t\u1ed1t v\u00e0 v\u1eabn c\u00f3 th\u1ec3 l\u1ecdt.<\/p>\n

“Khi ch\u00fang ta c\u00f3 m\u1ed9t lu\u1eadt r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3, \u0111\u1eb7t ra c\u00e1c gi\u1edbi h\u1ea1n cao h\u01a1n v\u00e0 m\u1ed9t n\u1ec1n t\u1ea3ng ph\u00e1p l\u00fd t\u1ed1t h\u01a1n th\u00ec c\u00f3 th\u1ec3 ch\u1ec9 l\u1ecdt 1 vi\u00ean s\u1ea1n thay v\u00ec 3,4 vi\u00ean. H\u01a1n n\u1eefa, quy m\u00f4 vi\u00ean s\u1ea1n c\u0169ng nh\u1ecf h\u01a1n”, \u00f4ng n\u00f3i.<\/p>\n

\u00d4ng c\u0169ng cho r\u1eb1ng, vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu nh\u01b0 quy \u0111\u1ecbnh trong Lu\u1eadt s\u1eeda \u0111\u1ed5i s\u1ebd khi\u1ebfn cho c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng, nh\u01b0ng tr\u00ean g\u00f3c \u0111\u1ed9 c\u1ee7a c\u1ed5 \u0111\u00f4ng d\u00e0i h\u1ea1n s\u1ebd r\u1ea5t t\u1ed1t. B\u1edfi, tr\u01b0\u1edbc \u0111\u00e2y d\u1ed3n h\u1ebft t\u00edn d\u1ee5ng v\u00e0o l\u0129nh v\u1ef1c r\u1ee7i ro hi\u1ec7n nay qu\u1ea3n tr\u1ecb t\u1ed1t h\u01a1n gi\u00fap ng\u00e2n h\u00e0ng ph\u00e1t ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh h\u01a1n.<\/p>\n

\u0110\u1ec3 t\u0103ng kh\u1ea3 hi\u1ec7u qu\u1ea3 trong th\u1ef1c thi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt, Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>\u00a0cho r\u1eb1ng, b\u00ean c\u1ea1nh vi\u1ec7c “qu\u1ea3n” theo con s\u1ed1 gi\u1edbi h\u1ea1n th\u1ea5p nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt th\u00ec ph\u1ea3i t\u1ea1o c\u01a1 ch\u1ebf m\u1ea1nh \u0111\u1ec3 x\u1eed l\u00fd nh\u01b0 cho ph\u00e9p c\u01a1 quan thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 quy\u1ec1n \u0111i\u1ec1u tra (th\u00ec m\u1edbi c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd n\u1eafm \u0111\u01b0\u1ee3c con s\u1ed1 th\u1eadt) v\u00e0 t\u1ecbch thu s\u1ed1 v\u1ed1n v\u01b0\u1ee3t qu\u00e1 ho\u1eb7c ph\u1ea1t g\u1ea5p 10 l\u1ea7n s\u1ed1 ti\u1ec1n v\u01b0\u1ee3t qu\u00e1 t\u1ef7 l\u1ec7 lu\u1eadt \u0111\u1ecbnh n\u1ebfu b\u1ecb ph\u00e1t hi\u1ec7n.<\/em><\/p>\n

H<\/strong>. Anh<\/strong><\/p>\n

————-<\/em><\/p>\n

D\u00e2n<\/em><\/strong> Vi\u1ec7t (Kinh t\u1ebf) 29-01-2024:<\/em><\/strong><\/p>\n

https:\/\/danviet.vn\/loc-san-thao-tung-ong-chu-ngan-hang-lieu-da-het-cua-lach-20240129062446316.htm<\/a> <\/em><\/p>\n

(<\/em>179.1.571<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

\u201cSi\u1ebft\u201d t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, ng\u0103n l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng: Chuy\u00ean gia n\u00f3i g\u00ec? (DV) – C\u00e1c quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a c\u1ee7a m\u1ed9t c\u1ed5 \u0111\u00f4ng v\u00e0 m\u1ed9t nh\u00f3m c\u1ed5 \u0111\u00f4ng li\u00ean quan t\u1ea1i m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u01b0\u1ee3c thay \u0111\u1ed5i theo h\u01b0\u1edbng ch\u1eb7t ch\u1ebd h\u01a1n. Lu\u1eadt C\u00e1c TCTD […]<\/p>\n","protected":false},"author":2,"featured_media":38883,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-38882","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":"\n3.654. \u201cSi\u1ebft\u201d t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, ng\u0103n l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng: Chuy\u00ean gia n\u00f3i g\u00ec? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, ng\u0103n l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng. 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