{"id":39556,"date":"2024-04-30T06:21:10","date_gmt":"2024-04-29T23:21:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39556"},"modified":"2024-10-02T16:23:30","modified_gmt":"2024-10-02T09:23:30","slug":"3-732-hanh-lang-phap-ly-moi-cho-hoat-dong-ngan-hang-lay-kiem-soat-thuc-thi-lam-cot-loi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-732-hanh-lang-phap-ly-moi-cho-hoat-dong-ngan-hang-lay-kiem-soat-thuc-thi-lam-cot-loi\/","title":{"rendered":"3.732. H\u00e0nh lang ph\u00e1p l\u00fd m\u1edbi cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng: L\u1ea5y ki\u1ec3m so\u00e1t th\u1ef1c thi l\u00e0m c\u1ed1t l\u00f5i"},"content":{"rendered":"

H\u00e0nh lang ph\u00e1p l\u00fd m\u1edbi cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng: L\u1ea5y ki\u1ec3m so\u00e1t th\u1ef1c thi l\u00e0m c\u1ed1t l\u00f5i<\/span><\/h4>\n
(\u0110T) –\u00a0Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd h\u1ed7 tr\u1ee3 c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n, \u0111\u1ed3ng th\u1eddi gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd kh\u1ea3 n\u0103ng thao t\u00fang, chi ph\u1ed1i ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, g\u00e2y ra h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng. \u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u1ecbnh h\u01b0\u1edbng n\u00e0y, c\u1ea7n c\u00e1c gi\u1ea3i ph\u00e1p th\u1ef1c thi hi\u1ec7u qu\u1ea3, c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd v\u00e0 ch\u1ebf t\u00e0i nghi\u00eam minh v\u1edbi c\u00e1c sai ph\u1ea1m.<\/strong><\/h5>\n\n\n\n\n
\"H\u00e0nh<\/td>\n<\/tr>\n
Vi\u1ec7c gi\u1ea3m gi\u1edbi h\u1ea1n cho vay s\u1ebd th\u00fac \u0111\u1ea9y c\u01a1 ch\u1ebf cho vay \u0111\u1ed3ng t\u00e0i tr\u1ee3, t\u1eeb \u0111\u00f3 t\u0103ng hi\u1ec7u qu\u1ea3 \u0111\u00e1nh gi\u00e1 v\u00e0 gi\u00e1m s\u00e1t kho\u1ea3n vay. \u1ea2nh: Nh\u00e3 Chi<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Hai m\u1eb7t c\u1ee7a s\u1ef1 ph\u00e1t tri\u1ec3n<\/strong><\/p>\n

Trong 10 n\u0103m qua, t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u0103ng g\u1ea5p 3,5 l\u1ea7n, t\u1eeb m\u1ee9c 5,6 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng n\u0103m 2014 l\u00ean 19,5 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng n\u0103m 2024; v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u0103ng 2,3 l\u1ea7n t\u1eeb m\u1ee9c 426,6 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng n\u0103m 2014 l\u00ean m\u1ee9c 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng n\u0103m 2024. V\u1ec1 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb, hi\u1ec7n c\u00f3 h\u01a1n 20 ng\u00e2n h\u00e0ng \u0111\u00e3 \u00e1p d\u1ee5ng ti\u00eau chu\u1ea9n Basel II, trong \u0111\u00f3 6 ng\u00e2n h\u00e0ng \u0111\u00e3 ho\u00e0n th\u00e0nh c\u1ea3 3 tr\u1ee5 c\u1ed9t. Nh\u1eefng con s\u1ed1 tr\u00ean cho th\u1ea5y h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfn m\u1ea1nh m\u1ebd trong m\u1ed9t th\u1eadp k\u1ef7 qua.<\/p>\n

B\u00ean c\u1ea1nh nh\u1eefng y\u1ebfu t\u1ed1 t\u00edch c\u1ef1c, h\u1ec7 th\u1ed1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u0169ng c\u00f3 nh\u1eefng d\u1ea5u hi\u1ec7u\/\u0111i\u1ec3m y\u1ebfu \u0111\u00e1ng ch\u00fa \u00fd. T\u1eeb n\u0103m 2015 \u0111\u1ebfn nay, \u0111\u00e3 c\u00f3 5 ng\u00e2n h\u00e0ng b\u1ecb \u0111\u01b0a v\u00e0o di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, g\u1ed3m: OceanBank, CB, GPBank, DongABank v\u00e0 SCB. Trong \u0111\u00f3, 4 ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 ch\u1ee7 tr\u01b0\u01a1ng chuy\u1ec3n giao b\u1eaft bu\u1ed9c nh\u01b0ng vi\u1ec7c x\u1eed l\u00fd g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n. Trong khi \u0111\u00f3, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111ang ti\u1ec1m \u1ea9n r\u1ee7i ro cao, g\u00e2y m\u1ea5t an to\u00e0n h\u1ec7 th\u1ed1ng. \u0110\u00e1ng ng\u1ea1i, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u n\u1ed9i b\u1ea3ng trong h\u1ec7 th\u1ed1ng c\u00e1c TCTD \u0111\u00e3 l\u00ean m\u1ee9c 4,79% t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 1\/2024, v\u01b0\u1ee3t xa m\u1ee9c m\u1ee5c ti\u00eau 3% c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

Tr\u01b0\u1edbc s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u00f9ng nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c TCTD, c\u1ea7n c\u1ee7ng c\u1ed1 h\u00e0ng lang ph\u00e1p l\u00fd \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng n\u0103ng l\u1ef1c cho c\u00e1c ng\u00e2n h\u00e0ng, t\u0103ng vai tr\u00f2, tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c c\u01a1 quan gi\u00e1m s\u00e1t nh\u1eb1m gi\u00fap h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng trong th\u1eddi gian t\u1edbi. Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 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, d\u00f9 trong ng\u1eafn h\u1ea1n, nh\u1eefng n\u1ed9i dung c\u1ee7a Lu\u1eadt s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng nh\u1ea5t \u0111\u1ecbnh \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

\u0110\u1ec3 h\u1ea1n ch\u1ebf s\u1edf h\u1eefu ch\u00e9o, thao t\u00fang, chi ph\u1ed1i c\u00e1c TCTD, Lu\u1eadt b\u1ed5 sung 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. Gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c t\u1eeb 15% gi\u1ea3m xu\u1ed1ng 10%; c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan gi\u1ea3m t\u1eeb 20% xu\u1ed1ng 15%. C\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ee7a m\u1ed9t TCTD v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1eeb 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7 tr\u1edf l\u00ean c\u1ee7a m\u1ed9t TCTD kh\u00e1c. Quy \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o v\u00e0 gi\u00fap nh\u1eadn bi\u1ebft r\u1ee7i ro l\u1edbn t\u1eeb c\u00e1c doanh nghi\u1ec7p s\u00e2n sau nh\u01b0 tr\u01b0\u1eddng h\u1ee3p c\u1ee7a SCB v\u00e0 V\u1ea1n Th\u1ecbnh Ph\u00e1t.<\/p>\n

V\u1ec1 can thi\u1ec7p s\u1edbm c\u00e1c TCTD y\u1ebfu k\u00e9m, Lu\u1eadt quy \u0111\u1ecbnh, c\u00e1c TCTD \u0111\u01b0\u1ee3c can thi\u1ec7p s\u1edbm (l\u1ed7 l\u0169y k\u1ebf h\u01a1n 50% v\u1ed1n \u0111i\u1ec1u l\u1ec7) s\u1ebd \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p nh\u01b0 thay \u0111\u1ed5i c\u00e1ch t\u00ednh s\u1ed1 d\u1ef1 ph\u00f2ng r\u1ee7i ro b\u1eb1ng t\u1ed1i \u0111a s\u1ed1 ch\u00eanh l\u1ec7ch thu chi trong n\u0103m c\u1ee7a TCTD. \u0110\u1ed3ng th\u1eddi ph\u1ea3i thuy\u1ebft minh chi ti\u1ebft s\u1ed1 d\u1ef1 ph\u00f2ng th\u1ef1c t\u1ebf v\u00e0 ch\u00eanh l\u1ec7ch v\u1edbi s\u1ed1 t\u1ed1i \u0111a n\u00e0y trong b\u00e1o c\u00e1o t\u00e0i ch\u00ednh. Quy \u0111\u1ecbnh n\u00e0y s\u1ebd gi\u00fap c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0 c\u00f4ng ch\u00fang s\u1edbm nh\u1eadn ra c\u00e1c r\u1ee7i ro l\u1edbn th\u00f4ng qua b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a TCTD.<\/p>\n

TS. C\u1ea5n V\u0103n L\u1ef1c, 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 cho r\u1eb1ng, Lu\u1eadt c\u00f3 nhi\u1ec1u thay \u0111\u1ed5i quan tr\u1ecdng, \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng g\u00f3p ph\u1ea7n gi\u00fap ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD an to\u00e0n, ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh v\u00e0 b\u1ec1n v\u1eefng. \u0110\u00e1ng ch\u00fa \u00fd, 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 nh\u00f3m c\u1ed5 \u0111\u00f4ng li\u00ean quan t\u1ea1i m\u1ed9t TCTD \u0111\u01b0\u1ee3c thay \u0111\u1ed5i theo h\u01b0\u1edbng ch\u1eb7t ch\u1ebd h\u01a1n. Quy \u0111\u1ecbnh v\u1ec1 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u0169ng \u0111\u01b0\u1ee3c l\u00e0m r\u00f5 v\u00e0 r\u1ed9ng h\u01a1n 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.<\/p>\n

V\u1ec1 quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed9t v\u00e0 m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m d\u1ea7n t\u1eeb m\u1ee9c 15% (v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng) v\u00e0 25% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a TCTD (v\u1edbi m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng li\u00ean quan) hi\u1ec7n nay xu\u1ed1ng c\u00f2n 10% v\u00e0 15% theo l\u1ed9 tr\u00ecnh \u0111\u1ebfn \u0111\u1ea7u n\u0103m 2029. Thay \u0111\u1ed5i n\u00e0y s\u1ebd gi\u00fap gi\u1ea3m r\u1ee7i ro t\u1eadp trung t\u00edn d\u1ee5ng cho c\u00e1c TCTD.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, Lu\u1eadt c\u0169ng b\u1ed5 sung quy \u0111\u1ecbnh nh\u1eb1m t\u0103ng t\u00ednh c\u00f4ng khai, minh b\u1ea1ch. Theo \u0111\u00f3, c\u00e1c c\u00e1 nh\u00e2n gi\u1eef ch\u1ee9c v\u1ee5 quan tr\u1ecdng trong TCTD ph\u1ea3i cung c\u1ea5p th\u00f4ng tin v\u1ec1 ng\u01b0\u1eddi v\u00e0 doanh nghi\u1ec7p c\u00f3 li\u00ean quan. T\u01b0\u01a1ng t\u1ef1, c\u00e1c c\u1ed5 \u0111\u00f4ng n\u1eafm gi\u1eef tr\u00ean 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u0169ng c\u1ea7n cung c\u1ea5p th\u00f4ng tin c\u00f3 li\u00ean quan. 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. \u00d4ng L\u1ef1c nh\u1ea5n m\u1ea1nh, \u0111i\u1ec1u n\u00e0y \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, g\u00f3p ph\u1ea7n gi\u1ea3m t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, thao t\u00fang TCTD.<\/p>\n

T\u0103ng gi\u00e1m s\u00e1t, gi\u1ea3m t\u00ecnh tr\u1ea1ng \u201ccon voi chui l\u1ecdt l\u1ed7 kim\u201d<\/strong><\/p>\n

D\u00f9 \u0111\u00e1nh gi\u00e1 cao nh\u1eefng b\u01b0\u1edbc ti\u1ebfn trong Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, song TS. C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng, t\u00ednh hi\u1ec7u l\u1ef1c, hi\u1ec7u qu\u1ea3 c\u1ee7a quy \u0111\u1ecbnh ph\u1ee5 thu\u1ed9c nhi\u1ec1u v\u00e0o kh\u00e2u th\u1ef1c thi, 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 B\u00ean c\u1ea1nh \u0111\u00f3, quy \u0111\u1ecbnh gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng cho m\u1ed9t v\u00e0 m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 g\u00e2y ra kh\u00f3 kh\u0103n v\u1ec1 ti\u1ebfp c\u1eadn v\u1ed1n \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 doanh nghi\u1ec7p l\u1edbn c\u00f3 nhu c\u1ea7u vay v\u1ed1n nhi\u1ec1u. \u0110\u1ec3 gi\u1ea3m thi\u1ec3u kh\u00f3 kh\u0103n n\u00e0y \u0111\u00f2i h\u1ecfi ph\u00e1t tri\u1ec3n c\u00e2n b\u1eb1ng h\u01a1n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, nh\u1ea5t l\u00e0 th\u1ecb tr\u01b0\u1eddng c\u1ed5 phi\u1ebfu v\u00e0 tr\u00e1i phi\u1ebfu \u0111\u1ec3 doanh nghi\u1ec7p c\u00f3 th\u1ec3 huy \u0111\u1ed9ng v\u1ed1n trung – d\u00e0i h\u1ea1n nhi\u1ec1u h\u01a1n t\u1eeb k\u00eanh n\u00e0y, gi\u1ea3m ph\u1ee5 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o TCTD nh\u01b0 hi\u1ec7n nay.<\/p>\n

TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, Ph\u00f3 Ch\u1ee7 t\u1ecbch ki\u00eam T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e1nh gi\u00e1 cao quy \u0111\u1ecbnh v\u1ec1 l\u1ed9 tr\u00ecnh gi\u1ea3m gi\u1edbi h\u1ea1n cho vay \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng li\u00ean quan. Theo \u00f4ng H\u00f9ng, vi\u1ec7c gi\u1ea3m gi\u1edbi h\u1ea1n cho vay s\u1ebd th\u00fac \u0111\u1ea9y c\u01a1 ch\u1ebf cho vay \u0111\u1ed3ng t\u00e0i tr\u1ee3 – nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f9ng cho vay m\u1ed9t d\u1ef1 \u00e1n\/kh\u00e1ch h\u00e0ng, t\u1eeb \u0111\u00f3 \u0111\u1ea9y m\u1ea1nh\/t\u0103ng hi\u1ec7u qu\u1ea3 \u0111\u00e1nh gi\u00e1 v\u00e0 gi\u00e1m s\u00e1t kho\u1ea3n vay. M\u1eb7c kh\u00e1c, s\u1ef1 thay \u0111\u1ed5i n\u00e0y c\u0169ng h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c ph\u00e1t tri\u1ec3n c\u00e2n b\u1eb1ng h\u01a1n gi\u1eefa th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 v\u00e0 th\u1ecb tr\u01b0\u1eddng v\u1ed1n, gi\u1ea3m ph\u1ee5 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o ngu\u1ed3n v\u1ed1n ng\u00e2n h\u00e0ng.<\/p>\n

Lu\u1eadt s\u01b0\u00a0<\/span><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0– Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/strong><\/a> cho r\u1eb1ng, vi\u1ec7c gi\u1ea3m v\u00e0 ki\u1ec3m so\u00e1t c\u00e1c t\u1ef7 l\u1ec7 v\u1ec1 s\u1edf h\u1eefu, c\u1ea5p v\u1ed1n cho kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd h\u1ea1n ch\u1ebf \u0111\u00e1ng k\u1ec3 c\u00e1c h\u00e0nh vi ti\u00eau c\u1ef1c. X\u00e9t v\u1ec1 m\u1eb7t con s\u1ed1, c\u00e1c t\u1ef7 l\u1ec7 n\u00e0y \u1edf Vi\u1ec7t Nam ch\u1eb7t h\u01a1n so v\u1edbi nhi\u1ec1u n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi, song th\u1ef1c t\u1ebf v\u1eabn x\u1ea3y ra nhi\u1ec1u v\u1ee5 vi\u1ec7c sai ph\u1ea1m. \u201cGi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 b\u1eb1ng c\u00e1c con s\u1ed1 s\u1ebd kh\u00f4ng \u0111\u1ea1t hi\u1ec7u qu\u1ea3 k\u1ef3 v\u1ecdng n\u1ebfu kh\u00f4ng si\u1ebft ch\u1eb7t c\u00e1c kh\u00e2u ki\u1ec3m so\u00e1t v\u00e0 gi\u00e1m s\u00e1t th\u1ef1c thi\u201d, \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

C\u00f9ng quan \u0111i\u1ec3m, PGS.TS Nguy\u1ec5n H\u1eefu Hu\u00e2n, gi\u1ea3ng vi\u00ean \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf TP.HCM cho r\u1eb1ng, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010 c\u0169ng \u0111\u1eb7t ra \u201ch\u00e0ng r\u00e0o\u201d v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u00e0 c\u1ea5p v\u1ed1n t\u00edn d\u1ee5ng \u0111\u1ec3 ch\u1ed1ng s\u1edf h\u1eefu ch\u00e9o v\u00e0 thao t\u00fang ng\u00e2n h\u00e0ng, nh\u01b0ng nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng v\u1eabn \u201cv\u01b0\u1ee3t r\u00e0o\u201d m\u00e0 kh\u00f4ng b\u1ecb ph\u00e1t hi\u1ec7n trong th\u1eddi gian d\u00e0i. Nh\u01b0 v\u1eady, y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi trong th\u1ef1c thi l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt. Ch\u1eb3ng h\u1ea1n, v\u1edbi v\u1ee5 vi\u1ec7c Ng\u00e2n h\u00e0ng SCB v\u00e0 T\u1eadp \u0111o\u00e0n V\u1ea1n Th\u1ecbnh Ph\u00e1t, d\u00f9 ph\u00e1p lu\u1eadt ch\u1eb7t ch\u1ebd \u0111\u1ebfn m\u1ee9c \u0111\u1ed9 n\u00e0o c\u0169ng kh\u00f4ng th\u1ec3 ph\u00e1t hi\u1ec7n, b\u1edfi ng\u01b0\u1eddi thi h\u00e0nh ph\u00e1p lu\u1eadt l\u1ea1i vi ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng.<\/p>\n

V\u00ec v\u1eady, \u00f4ng Hu\u00e2n \u0111\u1ec1 xu\u1ea5t, c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf ki\u1ec3m tra ch\u00e9o gi\u1eefa c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng, \u0111\u1ea9y m\u1ea1nh vai tr\u00f2 c\u1ee7a Ki\u1ec3m to\u00e1n Nh\u00e0 n\u01b0\u1edbc trong vi\u1ec7c ph\u00e1t hi\u1ec7n c\u00e1c sai ph\u1ea1m. B\u00ean c\u1ea1nh \u0111\u00f3, l\u00e0m r\u00f5 v\u00e0 quy tr\u00e1ch nhi\u1ec7m sai ph\u1ea1m c\u1ee7a c\u00f4ng ty ki\u1ec3m to\u00e1n \u0111\u1ed9c l\u1eadp trong c\u00e1c v\u1ee5 vi\u1ec7c sai ph\u1ea1m c\u00f3 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. \u201cN\u1ebfu thi\u1ebfu c\u00e1c c\u01a1 ch\u1ebf ki\u1ec3m tra, ki\u1ec3m so\u00e1t vi\u1ec7c th\u1ef1c thi ph\u00e1p lu\u1eadt th\u00ec t\u00ecnh tr\u1ea1ng \u201ccon voi chui l\u1ecdt l\u1ed7 kim\u201d nh\u01b0 v\u1ee5 V\u1ea1n Th\u1ecbnh Ph\u00e1t hay FLC v\u1eabn c\u00f3 th\u1ec3 c\u00f2n x\u1ea3y ra trong th\u1eddi gian t\u1edbi, \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng ng\u1ea1i \u0111\u1ebfn s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng\u201d, \u00f4ng Hu\u00e2n nh\u1ea5n m\u1ea1nh.<\/p>\n

Xu\u00e2n<\/strong> Y\u1ebfn<\/strong><\/p>\n

————-<\/em><\/p>\n

\u0110\u1ea5u<\/em><\/strong> th\u1ea7u (T\u00e0i ch\u00ednh) 30-4-2024:<\/em><\/strong><\/p>\n

https:\/\/baodauthau.vn\/hanh-lang-phap-ly-moi-cho-hoat-dong-ngan-hang-lay-kiem-soat-thuc-thi-lam-cot-loi-post154076.html<\/a> <\/em><\/p>\n

(<\/em>106\/1.727<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

H\u00e0nh lang ph\u00e1p l\u00fd m\u1edbi cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng: L\u1ea5y ki\u1ec3m so\u00e1t th\u1ef1c thi l\u00e0m c\u1ed1t l\u00f5i (\u0110T) –\u00a0Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd h\u1ed7 tr\u1ee3 c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n, \u0111\u1ed3ng th\u1eddi gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd kh\u1ea3 n\u0103ng thao t\u00fang, chi ph\u1ed1i ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, g\u00e2y […]<\/p>\n","protected":false},"author":2,"featured_media":39557,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-39556","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":"\n3.732. H\u00e0nh lang ph\u00e1p l\u00fd m\u1edbi cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng: L\u1ea5y ki\u1ec3m so\u00e1t th\u1ef1c thi l\u00e0m c\u1ed1t l\u00f5i - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024, h\u00e0nh lang ph\u00e1p l\u00fd m\u1edbi cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, l\u1ea5y ki\u1ec3m so\u00e1t th\u1ef1c thi l\u00e0m c\u1ed1t l\u00f5i...\" \/>\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\/en\/tieng-viet-3-732-hanh-lang-phap-ly-moi-cho-hoat-dong-ngan-hang-lay-kiem-soat-thuc-thi-lam-cot-loi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.732. 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