{"id":4510,"date":"2018-07-27T22:44:30","date_gmt":"2018-07-27T15:44:30","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4510"},"modified":"2024-10-30T15:29:59","modified_gmt":"2024-10-30T08:29:59","slug":"239-giai-quyet-tranh-chap-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/239-giai-quyet-tranh-chap-tin-dung\/","title":{"rendered":"239. Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng<\/span><\/h4>\n<h5>(PL) &#8211; Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng ngo\u00e0i \u0111i\u1ec3m gi\u1ed1ng v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p th\u00ec c\u00f2n c\u00f3 nhi\u1ec1u \u0111i\u1ec3m kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c tranh ch\u1ea5p d\u00e2n s\u1ef1 ho\u1eb7c kinh doanh, th\u01b0\u01a1ng m\u1ea1i n\u00f3i chung, trong \u0111\u00f3 c\u00f3 c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t th\u1eddi hi\u1ec7n kh\u1edfi ki\u1ec7n.<\/h5>\n<h4><strong>1. T\u00cdN D\u1ee4NG V\u00c0 TRANH CH\u1ea4P T\u00cdN D\u1ee4NG<\/strong><\/h4>\n<h5><strong>1.1. H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/strong><\/h5>\n<p>Kho\u1ea3n 14, \u0110i\u1ec1u 4 v\u1ec1 &#8220;Gi\u1ea3i th\u00edch t\u1eeb ng\u1eef&#8221;, Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) n\u0103m 2010 quy \u0111\u1ecbnh &#8220;C\u1ea5p t\u00edn d\u1ee5ng l\u00e0 vi\u1ec7c th\u1ecfa thu\u1eadn \u0111\u1ec3 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng m\u1ed9t kho\u1ea3n ti\u1ec1n thao nguy\u00ean t\u1eafc c\u00f3 ho\u00e0n tr\u1ea3 b\u1eb1ng nghi\u1ec7p v\u1ee5 cho vay, chi\u1ebft kh\u1ea5u, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n, b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c&#8221;. C\u00e1c nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c nh\u01b0 t\u00e1i chi\u1ebft kh\u1ea5u, \u1ee9ng tr\u01b0\u1edbc, mua c\u00f3 b\u1ea3o l\u01b0u quy\u1ec1n truy \u0111\u00f2i (tr\u1eeb c\u00e1c kho\u1ea3n mua c\u00f3 k\u1ef3 h\u1ea1n) c\u00f4ng c\u1ee5 chuy\u1ec3n ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng, nh\u01b0\u1ee3ng v\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c. D\u01b0\u1edbi \u0111\u00e2y g\u1ecdi l\u00e0 t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng thay v\u00ec c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng ch\u00ednh x\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh (v\u00ec tr\u01b0\u1edbc \u0111\u00e2y g\u1ecdi sai ri\u00eang h\u1ee3p \u0111\u1ed3ng cho vay l\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, n\u00ean \u0111\u00e3 bu\u1ed9c ph\u1ea3i g\u1ecdi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng n\u00f3i chung l\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng).<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c TCTD, h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo quy \u0111\u1ecbnh ri\u00eang c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi theo quy \u0111\u1ecbnh chung t\u1ea1i \u0111i\u1ec1u 335 v\u1ec1 &#8220;B\u1ea3o l\u00e3nh&#8221;, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (BLDS) n\u0103m 2015.\u00a0C\u00e1c quan h\u1ec7 t\u00edn d\u1ee5ng kh\u00e1c ngo\u00e0i h\u1ee3p \u0111\u1ed3ng cho vay v\u00e0 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng nh\u01b0 chi\u1ebft kh\u1ea5u, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong BLDS n\u0103m 2015, m\u00e0 ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn b\u1eb1ng c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt.\u00a0Tr\u01b0\u1eddng h\u1ee3p TCTD c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt th\u00ec c\u00f3 th\u1ec3 b\u1ecb v\u00f4 hi\u1ec7u theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 124 v\u1ec1 &#8220;Giao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do gi\u1ea3 t\u1ea1o&#8221;, BLDS n\u0103m 2015. Ch\u1eb3ng h\u1ea1n nh\u01b0 vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng cho vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c \u0111\u1eb7t c\u1ecdc h\u00e0ng tr\u0103m, th\u1eadm ch\u00ed h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 mua, thu\u00ea nh\u00e0 nh\u01b0 \u0111\u00e3 x\u1ea3y ra trong v\u1ee5 \u00e1n t\u1ea1i Ng\u00e2n h\u00e0ng X\u00e2y d\u1ef1ng.<\/p>\n<h5><strong>1.2. Tranh ch\u1ea5p t\u00edn d\u1ee5ng<\/strong><\/h5>\n<p>Tranh ch\u1ea5p t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 tranh ch\u1ea5p v\u1ec1 c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng g\u1ed3m h\u1ee3p \u0111\u1ed3ng cho vay, chi\u1ebft kh\u1ea5u, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n, b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00e1c.<\/p>\n<p>\u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng cho vay, th\u00ec tranh ch\u1ea5p c\u00f3 th\u1ec3 l\u00e0 n\u1ee3 g\u1ed1c, n\u1ee3 l\u00e3i, l\u00e3i su\u1ea5t, v\u1ec1 m\u1ecdi v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng cho vay nh\u01b0 \u0111i\u1ec1u ki\u1ec7n vay, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay, h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m, gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 v\u00e0 c\u00e1c n\u1ed9i dung kh\u00e1c. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf h\u1ee3p \u0111\u1ed3ng cho vay n\u00f3i ri\u00eang, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng n\u00f3i chung, th\u01b0\u1eddng x\u1ea3y ra c\u00e1c tranh ch\u1ea5p gi\u1ed1ng nhau t\u1eadp trung v\u00e0o s\u1ed1 n\u1ee3 g\u1ed1c, c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t, ph\u00ed v\u00e0 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c TCTD th\u00ec h\u1ee3p \u0111\u1ed3ng cho vay \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo c\u00e1c quy \u0111\u1ecbnh ri\u00eang c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, \u0111\u1ed3ng th\u1eddi theo quy \u0111\u1ecbnh chung t\u1ea1i \u0110i\u1ec1u 463 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n\u201d, BLDS n\u0103m 2015.<\/p>\n<p>Ri\u00eang \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng, khi c\u00e1c TCTD ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh tr\u1ea3 n\u1ee3 thay, th\u00ec s\u1ebd chuy\u1ec3n sang ghi n\u1ee3 cho b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh, do \u0111\u00f3 tr\u1edf th\u00e0nh ngh\u0129a v\u1ee5 nh\u01b0 \u0111\u1ed1i v\u1edbi m\u1ed9t h\u1ee3p \u0111\u1ed3ng cho vay. Khi \u0111\u00f3 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi n\u1ee3 g\u1ed1c trong h\u1ea1n, l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n, l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi n\u1ee3 l\u00e3i qu\u00e1 h\u1ea1n v\u00e0 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 ch\u1eadm thi h\u00e0nh \u00e1n s\u1ebd \u0111\u01b0\u1ee3c x\u1eed l\u00fd ho\u00e0n to\u00e0n gi\u1ed1ng v\u1edbi h\u1ee3p \u0111\u1ed3ng cho vay c\u1ee7a c\u00e1c TCTD.<\/p>\n<p>Tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00f4 hi\u1ec7u th\u00ec h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd l\u00e0 kh\u00f4ng t\u00ednh l\u00e3i cho vay hay ph\u00ed b\u1ea3o l\u00e3nh theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 131 v\u1ec1 \u201cH\u1eadu qu\u1ea3 ph\u00e1p l\u00fd c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u\u201d, BLDS n\u0103m 2015.<\/p>\n<h5><strong>1.3. Tranh ch\u1ea5p b\u1ea3o \u0111\u1ea3m t\u00edn d\u1ee5ng<\/strong><\/h5>\n<p>Ngo\u00e0i ra, quan h\u1ec7 t\u00edn d\u1ee5ng th\u01b0\u1eddng g\u1eafn v\u1edbi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u00edn d\u1ee5ng, n\u00ean c\u0169ng th\u01b0\u1eddng x\u1ea3y ra tranh ch\u1ea5p v\u1ec1 vi\u1ec7c b\u1ea3o qu\u1ea3n, thu gi\u1eef v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. \u0110i\u1ec1u 292 v\u1ec1 \u201cBi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5\u201d, BLDS n\u0103m 2015 quy \u0111\u1ecbnh c\u00f3 9 b\u00ean ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 bao g\u1ed3m: c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n, \u0111\u1eb7t c\u1ecdc, k\u00fd c\u01b0\u1ee3c, k\u00fd qu\u1ef9, b\u1ea3o l\u01b0u quy\u1ec1n s\u1edf h\u1eefu, b\u1ea3o l\u00e3nh, t\u00edn ch\u1ea5p v\u00e0 c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n. Vi\u1ec7c b\u1ea3o l\u00e3nh c\u00f3 th\u1ec3 l\u00e0 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng ho\u1eb7c b\u1ea3o l\u00e3nh c\u1ee7a ph\u00e1p nh\u00e2n hay c\u00e1 nh\u00e2n kh\u00e1c.<\/p>\n<p>Tuy nhi\u00ean trong quan h\u1ec7 t\u00edn d\u1ee5ng th\u00ec ch\u1ec9 li\u00ean quan \u0111\u1ebfn 5 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m l\u00e0 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, k\u00fd qu\u1ef9, b\u1ea3o l\u00e3nh v\u00e0 t\u00edn ch\u1ea5p v\u00e0 c\u0169ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m. H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00f4ng li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn 3 bi\u1ec7n ph\u00e1p k\u00fd c\u01b0\u1ee3c, b\u1ea3o l\u01b0u quy\u1ec1n s\u1edf h\u1eefu v\u00e0 c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n. Ri\u00eang bi\u1ec7n ph\u00e1p \u0111\u1eb7t c\u1ecdc, c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng trong quan h\u1ec7 t\u00edn d\u1ee5ng tuy nhi\u00ean g\u1ea7n nh\u01b0 kh\u00f4ng xu\u1ea5t hi\u1ec7n tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n<p>V\u00ec b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m nh\u01b0ng \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, n\u00ean c\u00f3 th\u1ec3 l\u1ea1i s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m kh\u00e1c nh\u01b0 k\u00fd qu\u1ef9, c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 trong quan h\u1ec7 gi\u1eefa c\u00e1c b\u00ean.<\/p>\n<h5><strong>1.4. M\u1ed1i quan h\u1ec7 gi\u1eefa t\u00edn d\u1ee5ng v\u00e0 b\u1ea3o \u0111\u1ea3m<\/strong><\/h5>\n<p>Tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 c\u00f3 tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, kh\u00f4ng c\u00f3 tranh ch\u1ea5p v\u1ec1 t\u00edn d\u1ee5ng, th\u00ec v\u1eabn ph\u1ea3i kh\u1edfi ki\u1ec7n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, ch\u1ee9 kh\u00f4ng kh\u1edfi ki\u1ec7n \u0111\u1ed9c l\u1eadp h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, v\u00ec t\u00edn d\u1ee5ng l\u00e0 h\u1ee3p \u0111\u1ed3ng ch\u00ednh, b\u1ea3o \u0111\u1ea3m l\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u1ee5. Hay n\u00f3i c\u00e1ch kh\u00e1c, h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00ec l\u00e0 m\u1ed9t b\u1ed9 ph\u1eadn c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n<p>D\u00f9 t\u00edn d\u1ee5ng l\u00e0 h\u1ee3p \u0111\u1ed3ng ch\u00ednh, nh\u01b0ng n\u1ebfu b\u1ecb v\u00f4 hi\u1ec7u th\u00ec kh\u00f4ng d\u1eabn \u0111\u1ebfn vi\u1ec7c v\u00f4 hi\u1ec7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m l\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u1ee5 theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 407 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng v\u00f4 hi\u1ec7u\u201d, BLDS n\u0103m 2015.<\/p>\n<ol start=\"2\">\n<li><strong> C\u00c1C PH\u01af\u01a0NG TH\u1ee8C GI\u1ea2I QUY\u1ebeT TRANH CH\u1ea4P T\u00cdN D\u1ee4NG<\/strong><\/li>\n<\/ol>\n<h5><strong>2.1. Ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p<\/strong><\/h5>\n<p>C\u0169ng gi\u1ed1ng nh\u01b0 c\u00e1c lo\u1ea1i tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng kh\u00e1c, c\u00e1c tranh ch\u1ea5p t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 l\u00e0 tranh ch\u1ea5p d\u00e2n s\u1ef1 ho\u1eb7c tranh ch\u1ea5p kinh doanh, th\u01b0\u01a1ng m\u1ea1i, \u0111\u1ec1u c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft b\u1eb1ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c th\u01b0\u01a1ng l\u01b0\u1ee3ng, h\u00f2a gi\u1ea3i, tr\u1ecdng t\u00e0i v\u00e0 t\u00f2a \u00e1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng th\u01b0\u01a1ng l\u01b0\u1ee3ng.<\/p>\n<p>Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng h\u00f2a gi\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 22\/2017\/N\u0110-CP ng\u00e0y 24\/02\/2017 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 h\u00f2a gi\u1ea3i th\u01b0\u01a1ng m\u1ea1i<\/p>\n<h5><strong>2.2. Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng tr\u1ecdng t\u00e0i<\/strong><\/h5>\n<p>Ri\u00eang v\u1edbi ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng tr\u1ecdng t\u00e0i th\u00ec \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean th\u1ecfa thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng tr\u1ecdng t\u00e0i \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p gi\u1eefa c\u00e1c b\u00ean ph\u00e1t sinh t\u1eeb ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c \u00edt nh\u1ea5t m\u1ed9t b\u00ean c\u00f3 ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 tranh ch\u1ea5p kh\u00e1c gi\u1eefa c\u00e1c b\u00ean m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng tr\u1ecdng t\u00e0i theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 2 v\u1ec1 \u201cTh\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p c\u1ee7a tr\u1ecdng t\u00e0i\u201d, Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2010.<\/p>\n<p>Cho \u0111\u1ebfn nay, ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o b\u1eaft bu\u1ed9c ph\u1ea3i gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i, m\u00e0 ch\u1ec9 l\u00e0 quy \u0111\u1ecbnh c\u00e1c b\u00ean c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng tr\u1ecdng t\u00e0i nh\u01b0 Lu\u1eadt th\u01b0\u01a1ng m\u1ea1i n\u0103m 2005, Lu\u1eadt S\u1edf h\u1eefu tr\u00ed tu\u1ec7 n\u0103m 2005, Lu\u1eadt c\u00e1c C\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng n\u0103m 2006, Lu\u1eadt b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u0103m 2010, Lu\u1eadt doanh nghi\u1ec7p n\u0103m 2014, Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2014, B\u1ed9 lu\u1eadt h\u00e0ng h\u1ea3i n\u0103m 205, v.v&#8230;<\/p>\n<p>Tranh ch\u1ea5p \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng tr\u1ecdng t\u00e0i n\u1ebfu c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn tr\u1ecdng t\u00e0i v\u00e0 th\u1ecfa thu\u1eadn tr\u1ecdng t\u00e0i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c l\u1eadp tr\u01b0\u1edbc ho\u1eb7c sau khi x\u1ea3y ra tranh ch\u1ea5p theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 5 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng tr\u1ecdng t\u00e0i\u201d, Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2010.<\/p>\n<p>K\u1ebft h\u1ee3p c\u00e1c \u0111i\u1ec1u ki\u1ec7n tr\u00ean th\u00ec th\u1ef1c ch\u1ea5t ch\u1ec9 c\u00f3 duy nh\u1ea5t m\u1ed9t tr\u01b0\u1eddng h\u1ee3p gi\u1ea3i quy\u1ebft b\u1eb1ng tr\u1ecdng t\u00e0i, \u0111\u00f3 l\u00e0 l\u00fd do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p trong \u0111\u00f3 \u00edt nh\u1ea5t m\u1ed9t b\u00ean c\u00f3 ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i. Nh\u01b0 v\u1eady tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c TCTD c\u0169ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng Tr\u1ecdng t\u00e0i n\u1ebfu c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn.<\/p>\n<p>C\u00e1c b\u00ean c\u00f3 th\u1ec3 ch\u1ec9 tho\u1ea3 thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i ghi ch\u00ednh x\u00e1c t\u00ean c\u1ee7a Trung t\u00e2m Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i tr\u00ean th\u1ef1c t\u1ebf. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean v\u1eeba c\u00f3 tho\u1ea3 thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i, v\u1eeba c\u00f3 tho\u1ea3 thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng To\u00e0 \u00e1n th\u00ec c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n ra tr\u01b0\u1edbc m\u1ed9t trong hai b\u00ean Tr\u1ecdng t\u00e0i ho\u1eb7c To\u00e0 \u00e1n gi\u1ea3i quy\u1ebft theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 2 v\u1ec1 \u201cX\u00e1c \u0111\u1ecbnh th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p gi\u1eefa Tr\u1ecdng t\u00e0i, To\u00e0 \u00e1n theo quy \u0111\u1ecbnh Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i\u201d, Ngh\u1ecb quy\u1ebft 01\/2014\/NQ-H\u0110TP ng\u00e0y 20\/3\/2014 c\u1ee7a H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n, TANDTC \u201cH\u01b0\u1edbng d\u1eabn thi h\u00e0nh m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i\u201d.<\/p>\n<p>N\u1ebfu h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a b\u00ean th\u1ee9 ba, th\u00ec ch\u1ec9 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c b\u1eb1ng Tr\u1ecdng t\u00e0i khi t\u1ea5t c\u1ea3 c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i.<\/p>\n<h5><strong>2.3. Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng To\u00e0 \u00e1n:<\/strong><\/h5>\n<p>Tranh ch\u1ea5p t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft t\u1ea1i To\u00e0 \u00e1n th\u00ec thu\u1ed9c quy\u1ec1n gi\u1ea3i quy\u1ebft c\u1ee7a To\u00e0 nh\u00e2n d\u00e2n huy\u1ec7n, qu\u1eadn, th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1 thu\u1ed9c t\u1ec9nh theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m a v\u00e0 b, kho\u1ea3n 1, \u0110i\u1ec1u 33 v\u1ec1 \u201cTh\u1ea9m quy\u1ec1n c\u1ee7a TAND huy\u1ec7n, qu\u1eadn, th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1 thu\u1ed9c t\u1ec9nh\u201d, B\u1ed9 lu\u1eadt t\u1ed1 t\u1ee5ng D\u00e2n s\u1ef1 (BLTTDS) n\u0103m 2004, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2011 v\u00e0 \u0111i\u1ec3m a v\u00e0 b, kho\u1ea3n 1, \u0110i\u1ec1u 35 v\u1ec1 \u201cTh\u1ea9m quy\u1ec1n c\u1ee7a TAND c\u1ea5p huy\u1ec7n\u201d, BLTTDS n\u0103m 2015, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 \u0111\u01b0\u01a1ng s\u1ef1 ho\u1eb7c t\u00e0i s\u1ea3n \u1edf n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c c\u1ea7n ph\u1ea3i u\u1ef7 th\u00e1c t\u01b0 ph\u00e1p cho c\u01a1 quan \u0111\u1ea1i di\u1ec7n Vi\u1ec7t Nam \u1edf n\u01b0\u1edbc ngo\u00e0i, cho To\u00e0 \u00e1n, c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n c\u1ee7a n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p>Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng To\u00e0 \u00e1n kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c tho\u1ea3 thu\u1eadn c\u1ee7a c\u00e1c b\u00ean. Lu\u1eadt quy \u0111\u1ecbnh, To\u00e0 \u00e1n n\u01a1i b\u1ecb \u0111\u01a1n c\u01b0 tr\u00fa, l\u00e0m vi\u1ec7c, ho\u1eb7c c\u00f3 tr\u1ee5 s\u1edf c\u00f3 th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 quy\u1ec1n t\u1ef1 tho\u1ea3 thu\u1eadn v\u1edbi nhau b\u1eb1ng v\u0103n b\u1ea3n y\u00eau c\u1ea7u To\u00e1 \u00e1n n\u01a1i c\u01b0 tr\u00fa, l\u00e0m vi\u1ec7c ho\u1eb7c n\u01a1i c\u00f3 tr\u1ee5 s\u1edf c\u1ee7a nguy\u00ean \u0111\u01a1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 39 v\u1ec1 \u201cTh\u1ea9m quy\u1ec1n c\u1ee7a To\u00e0 \u00e1n theo l\u00e3nh th\u1ed5\u201d, BLTTDS n\u0103m 2015.<\/p>\n<p>Ri\u00eang \u0111\u1ed1i v\u1edbi To\u00e0 kinh t\u1ebf th\u00ec kh\u00e1c v\u1edbi th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p c\u1ee7a Tr\u1ecdng t\u00e0i l\u00e0 ch\u1ec9 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p ph\u00e1t sinh trong ho\u1ea1t \u0111\u1ed9ng kinh doanh, th\u01b0\u01a1ng m\u1ea1i gi\u1eefa c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c c\u00f3 \u0111\u0103ng k\u00fd kinh doanh v\u1edbi nhau v\u00e0 \u0111\u1ec1u c\u00f3 m\u1ee5c \u0111\u00edch l\u1ee3i nhu\u1eadn, theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 30 v\u1ec1 \u201cNh\u1eefng tranh ch\u1ea5p kinh doanh, th\u01b0\u01a1ng m\u1ea1i thu\u1ed9c th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft c\u1ee7a To\u00e0 \u00e1n\u201d, BLTTDS n\u0103m 2015.<\/p>\n<h4><strong>B\u00c1O PH\u00c1P LU\u1eacT VI\u1ec6T NAM &#8211; Chuy\u00ean \u0111\u1ec1 H\u1ed7 tr\u1ee3 ph\u00e1p l\u00fd cho Doanh nghi\u1ec7p | 28 (182)\/7 &#8211; 2018 (tr. 41)<\/strong><\/h4>\n<p><em>(2.064\/2064)<\/em><\/p>\n<p><strong><em>\u00a0&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/em><\/strong><\/p>\n<h4><strong><em>B\u00e0i g\u1eedi \u0111i \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 20-5-2018<\/em><\/strong><\/h4>\n<p><strong>\u00a0<\/strong><\/p>\n<h5><strong>Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng<\/strong><\/h5>\n<p><strong> <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><\/strong><\/p>\n<p><strong>Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong><\/p>\n<p><strong>Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/strong><\/p>\n<p><em>Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng ngo\u00e0i \u0111i\u1ec3m gi\u1ed1ng v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p th\u00ec c\u00f2n c\u00f3 nhi\u1ec1u \u0111i\u1ec3m kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c tranh ch\u1ea5p d\u00e2n s\u1ef1 ho\u1eb7c kinh doanh, th\u01b0\u01a1ng m\u1ea1i n\u00f3i chung, trong \u0111\u00f3 c\u00f3 c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n.<\/em><\/p>\n<ol>\n<li><strong>T\u00edn d\u1ee5ng v\u00e0 tranh ch\u1ea5p t\u00edn d\u1ee5ng:<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\n<h5>H\u1ee3p \u0111\u1ed3ng t\u00edn <span style=\"font-size: 16px;\">d\u1ee5ng:<\/span><\/h5>\n<\/li>\n<\/ul>\n<p>Kho\u1ea3n 14, \u0110i\u1ec1u 4 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 quy \u0111\u1ecbnh \u201c<em>C\u1ea5p t\u00edn d\u1ee5ng l\u00e0 vi\u1ec7c th\u1ecfa thu\u1eadn \u0111\u1ec3 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng m\u1ed9t kho\u1ea3n ti\u1ec1n ho\u1eb7c cam k\u1ebft cho ph\u00e9p s\u1eed d\u1ee5ng m\u1ed9t kho\u1ea3n ti\u1ec1n theo nguy\u00ean t\u1eafc c\u00f3 ho\u00e0n tr\u1ea3 b\u1eb1ng nghi\u1ec7p v\u1ee5 cho vay, chi\u1ebft kh\u1ea5u, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n, b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c<\/em>\u201d. C\u00e1c nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c nh\u01b0 t\u00e1i chi\u1ebft kh\u1ea5u, \u1ee9ng tr\u01b0\u1edbc, mua c\u00f3 b\u1ea3o l\u01b0u quy\u1ec1n truy \u0111\u00f2i (tr\u1eeb c\u00e1c kho\u1ea3n mua c\u00f3 k\u1ef3 h\u1ea1n) c\u00f4ng c\u1ee5 chuy\u1ec3n ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng, nh\u01b0\u1ee3ng v\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c. D\u01b0\u1edbi \u0111\u00e2y g\u1ecdi l\u00e0 t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng thay v\u00ec c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng ch\u00ednh x\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh (v\u00ec tr\u01b0\u1edbc \u0111\u00e2y g\u1ecdi sai ri\u00eang h\u1ee3p \u0111\u1ed3ng cho vay l\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, n\u00ean \u0111\u00e3 bu\u1ed9c ph\u1ea3i g\u1ecdi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng n\u00f3i chung l\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng).<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo quy \u0111\u1ecbnh ri\u00eang c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi theo quy \u0111\u1ecbnh chung t\u1ea1i \u0110i\u1ec1u 335 v\u1ec1 &#8220;B\u1ea3o l\u00e3nh\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n<p>C\u00e1c quan h\u1ec7 t\u00edn d\u1ee5ng kh\u00e1c ngo\u00e0i h\u1ee3p \u0111\u1ed3ng cho vay v\u00e0 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng nh\u01b0 chi\u1ebft kh\u1ea5u, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, m\u00e0 ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn b\u1eb1ng c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt.<\/p>\n<p>T\u01b0\u1eddng h\u1ee3p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt th\u00ec c\u00f3 th\u1ec3 b\u1ecb v\u00f4 hi\u1ec7u theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 124 v\u1ec1 \u201cGiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do gi\u1ea3 t\u1ea1o\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Ch\u1eb3ng h\u1ea1n nh\u01b0 vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng cho vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c \u0111\u1eb7t c\u1ecdc h\u1eb1ng tr\u0103m, th\u1eadm ch\u00ed h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 mua, thu\u00ea nh\u00e0 nh\u01b0 \u0111\u00e3 x\u1ea3y ra trong v\u1ee5 \u00e1n t\u1ea1i Ng\u00e2n h\u00e0ng X\u00e2y d\u1ef1ng.<\/p>\n<ul>\n<li>\n<h5>Tranh ch\u1ea5p t\u00edn d\u1ee5ng:<\/h5>\n<\/li>\n<\/ul>\n<p>Tranh ch\u1ea5p t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 tranh ch\u1ea5p v\u1ec1 c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng g\u1ed3m h\u1ee3p \u0111\u1ed3ng cho vay, chi\u1ebft kh\u1ea5u, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n, b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00e1c.<\/p>\n<p>\u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng cho vay, th\u00ec tranh ch\u1ea5p c\u00f3 th\u1ec3 l\u00e0 n\u1ee3 g\u1ed1c, n\u1ee3 l\u00e3i, l\u00e3i su\u1ea5t, v\u1ec1 m\u1ecdi v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng cho vay nh\u01b0 \u0111i\u1ec1u ki\u1ec7n vay, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay, ph\u01b0\u01a1ng th\u1ee9c cho vay, s\u1ed1 ti\u1ec1n vay, l\u00e3i su\u1ea5t, th\u1eddi h\u1ea1n vay, h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m, gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 v\u00e0 c\u00e1c n\u1ed9i dung kh\u00e1c. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf h\u1ee3p \u0111\u1ed3ng cho vay n\u00f3i ri\u00eang, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng n\u00f3i chung, th\u01b0\u1eddng x\u1ea3y ra c\u00e1c tranh ch\u1ea5p gi\u1ed1ng nhau t\u1eadp trung v\u00e0o s\u1ed1 n\u1ee3 g\u1ed1c, c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t, ph\u00ed v\u00e0 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec h\u1ee3p \u0111\u1ed3ng cho vay \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo c\u00e1c quy \u0111\u1ecbnh ri\u00eang c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, \u0111\u1ed3ng th\u1eddi theo quy \u0111\u1ecbnh chung t\u1ea1i \u0110i\u1ec1u 463 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n<p>Ri\u00eang \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng, khi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh tr\u1ea3 n\u1ee3 thay, th\u00ec s\u1ebd chuy\u1ec3n sang ghi n\u1ee3 cho b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh, do \u0111\u00f3 tr\u1edf th\u00e0nh ngh\u0129a v\u1ee5 nh\u01b0 \u0111\u1ed1i v\u1edbi m\u1ed9t h\u1ee3p \u0111\u1ed3ng cho vay. Khi \u0111\u00f3 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi n\u1ee3 g\u1ed1c trong h\u1ea1n, l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n, l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi n\u1ee3 l\u00e3i qu\u00e1 h\u1ea1n v\u00e0 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 ch\u1eadm thi h\u00e0nh \u00e1n s\u1ebd \u0111\u01b0\u1ee3c x\u1eed l\u00fd ho\u00e0n to\u00e0n gi\u1ed1ng v\u1edbi h\u1ee3p \u0111\u1ed3ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n<p>Tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00f4 hi\u1ec7u, th\u00ec h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd l\u00e0 kh\u00f4ng t\u00ednh l\u00e3i cho vay hay ph\u00ed b\u1ea3o l\u00e3nh theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 131 v\u1ec1 \u201cH\u1eadu qu\u1ea3 ph\u00e1p l\u00fd c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n<ul>\n<li>\n<h5>Tranh ch\u1ea5p b\u1ea3o \u0111\u1ea3m t\u00edn d\u1ee5ng:<\/h5>\n<\/li>\n<\/ul>\n<p>Ngo\u00e0i ra, quan h\u1ec7 t\u00edn d\u1ee5ng th\u01b0\u1eddng g\u1eafn v\u1edbi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u00edn d\u1ee5ng, n\u00ean c\u0169ng th\u01b0\u1eddng x\u1ea3y ra tranh ch\u1ea5p v\u1ec1 vi\u1ec7c b\u1ea3o qu\u1ea3n, thu gi\u1eef v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<a name=\"_Toc407989201\"><\/a><a name=\"_Toc407804417\"><\/a><a name=\"_Toc400029812\"><\/a><a name=\"_Toc399510966\"><\/a> \u0110i\u1ec1u 292 v\u1ec1 \u201cBi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh c\u00f3 9 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 bao g\u1ed3m: C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n, \u0111\u1eb7t c\u1ecdc, k\u00fd c\u01b0\u1ee3c, k\u00fd qu\u1ef9, b\u1ea3o l\u01b0u quy\u1ec1n s\u1edf h\u1eefu, b\u1ea3o l\u00e3nh, t\u00edn ch\u1ea5p v\u00e0 c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n. Vi\u1ec7c b\u1ea3o l\u00e3nh c\u00f3 th\u1ec3 l\u00e0 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng ho\u1eb7c b\u1ea3o l\u00e3nh c\u1ee7a ph\u00e1p nh\u00e2n hay c\u00e1 nh\u00e2n kh\u00e1c.<\/p>\n<p>Tuy nhi\u00ean trong quan h\u1ec7 t\u00edn d\u1ee5ng th\u00ec ch\u1ec9 li\u00ean quan \u0111\u1ebfn 5 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m l\u00e0 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, k\u00fd qu\u1ef9, b\u1ea3o l\u00e3nh v\u00e0 t\u00edn ch\u1ea5p v\u00e0 c\u0169ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m. H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00f4ng li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn 3 bi\u1ec7n ph\u00e1p k\u00fd c\u01b0\u1ee3c, b\u1ea3o l\u01b0u quy\u1ec1n s\u1edf h\u1eefu v\u00e0 c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n. Ri\u00eang bi\u1ec7n ph\u00e1p \u0111\u1eb7t c\u1ecdc, c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng trong quan h\u1ec7 t\u00edn d\u1ee5ng, nh\u01b0ng g\u1ea7n nh\u01b0 kh\u00f4ng xu\u1ea5t hi\u1ec7n tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n<p>V\u00ec b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m, nh\u01b0ng \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, n\u00ean c\u00f3 th\u1ec3 l\u1ea1i s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m \u0111\u1ea3m kh\u00e1c nh\u01b0 k\u00fd qu\u1ef9, c\u1ea7m c\u1ed1, th\u1ec3 ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 trong quan h\u1ec7 gi\u1eefa c\u00e1c b\u00ean.<\/p>\n<ul>\n<li>\n<h5>M\u1ed1i quan h\u1ec7 gi\u1eefa t\u00edn d\u1ee5ng v\u00e0 b\u1ea3o \u0111\u1ea3m:<\/h5>\n<\/li>\n<\/ul>\n<p>Tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 c\u00f3 tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, kh\u00f4ng c\u00f3 tranh ch\u1ea5p v\u1ec1 t\u00edn d\u1ee5ng, th\u00ec v\u1eabn ph\u1ea3i kh\u1edfi ki\u1ec7n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, ch\u1ee9 kh\u00f4ng kh\u1edfi ki\u1ec7n \u0111\u1ed9c l\u1eadp h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, v\u00ec t\u00edn d\u1ee5ng l\u00e0 h\u1ee3p \u0111\u1ed3ng ch\u00ednh, b\u1ea3o \u0111\u1ea3m l\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u1ee5. Hay n\u00f3i c\u00e1ch kh\u00e1c, h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00ec l\u00e0 m\u1ed9t b\u1ed9 ph\u1eadn c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. D\u00f9 t\u00edn d\u1ee5ng l\u00e0 h\u1ee3p \u0111\u1ed3ng ch\u00ednh, nh\u01b0ng n\u1ebfu b\u1ecb v\u00f4 hi\u1ec7u th\u00ec kh\u00f4ng d\u1eabn \u0111\u1ebfn v\u00f4 hi\u1ec7u b\u1ea3o \u0111\u1ea3m l\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u1ee5 theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 407 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng v\u00f4 hi\u1ec7u\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n<ol start=\"2\">\n<li><strong>C\u00e1c ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng:<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\n<h5>Ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p:<\/h5>\n<\/li>\n<\/ul>\n<p>C\u0169ng gi\u1ed1ng nh\u01b0 c\u00e1c lo\u1ea1i tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng kh\u00e1c, c\u00e1c tranh ch\u1ea5p t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 l\u00e0 tranh ch\u1ea5p d\u00e2n s\u1ef1 ho\u1eb7c tranh ch\u1ea5p kinh doanh, th\u01b0\u01a1ng m\u1ea1i, \u0111\u1ec1u c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft b\u1eb1ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c th\u01b0\u01a1ng l\u01b0\u1ee3ng, ho\u00e0 gi\u1ea3i, Tr\u1ecdng t\u00e0i v\u00e0 To\u00e0 \u00e1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng th\u01b0\u01a1ng l\u01b0\u1ee3ng.<\/p>\n<p>Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng ho\u00e0 gi\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 22\/2017\/N\u0110-CP ng\u00e0y 24-2-2017 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cHo\u00e0 gi\u1ea3i th\u01b0\u01a1ng m\u1ea1i\u201d.<\/p>\n<ul>\n<li>\n<h5>Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i:<\/h5>\n<\/li>\n<\/ul>\n<p>Ri\u00eang ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft b\u1eb1ng tr\u1ecdng t\u00e0i th\u00ec \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng tr\u1ecdng t\u00e0i \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p tranh ch\u1ea5p gi\u1eefa c\u00e1c b\u00ean ph\u00e1t sinh t\u1eeb ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c \u00edt nh\u1ea5t m\u1ed9t b\u00ean c\u00f3 ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 tranh ch\u1ea5p kh\u00e1c gi\u1eefa c\u00e1c b\u00ean m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng Tr\u1ecdng t\u00e0i theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 2 v\u1ec1 \u201cTh\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p c\u1ee7a Tr\u1ecdng t\u00e0i\u201d, Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2010.<\/p>\n<p>Cho \u0111\u1ebfn nay, ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o b\u1eaft bu\u1ed9c ph\u1ea3i gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i, m\u00e0 ch\u1ec9 l\u00e0 quy \u0111\u1ecbnh c\u00e1c b\u00ean c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng tr\u1ecdng t\u00e0i nh\u01b0 Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 2005, Lu\u1eadt S\u1edf h\u1eefu tr\u00ed tu\u1ec7 n\u0103m 2005, Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng n\u0103m 2006, Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng 2010, Lu\u1eadt Doanh nghi\u1ec7p 2014, Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2014, B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i n\u0103m 2015,\u2026<\/p>\n<p>Tranh ch\u1ea5p \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng Tr\u1ecdng t\u00e0i n\u1ebfu c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn tr\u1ecdng t\u00e0i v\u00e0 th\u1ecfa thu\u1eadn tr\u1ecdng t\u00e0i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c l\u1eadp tr\u01b0\u1edbc ho\u1eb7c sau khi x\u1ea3y ra tranh ch\u1ea5p theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 5 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i\u201d, Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2010.<\/p>\n<p>K\u1ebft h\u1ee3p c\u00e1c \u0111i\u1ec1u ki\u1ec7n k\u1ec3 tr\u00ean th\u00ec th\u1ef1c ch\u1ea5t ch\u1ec9 c\u00f3 duy nh\u1ea5t m\u1ed9t tr\u01b0\u1eddng h\u1ee3p gi\u1ea3i quy\u1ebft b\u1eb1ng Tr\u1ecdng t\u00e0i, \u0111\u00f3 l\u00e0 do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p trong \u0111\u00f3 \u00edt nh\u1ea5t m\u1ed9t b\u00ean c\u00f3 ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i. Nh\u01b0 v\u1eady, tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng Tr\u1ecdng t\u00e0i n\u1ebfu c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn.<\/p>\n<p>C\u00e1c b\u00ean c\u00f3 th\u1ec3 ch\u1ec9 th\u1ecfa thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i ghi ch\u00ednh x\u00e1c t\u00ean c\u1ee7a Trung t\u00e2m tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i tr\u00ean th\u1ef1c t\u1ebf. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean v\u1eeba c\u00f3 th\u1ecfa thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i, v\u1eeba c\u00f3 th\u1ecfa thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng T\u00f2a \u00e1n th\u00ec c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n ra tr\u01b0\u1edbc m\u1ed9t trong hai b\u00ean Tr\u1ecdng t\u00e0i ho\u1eb7c T\u00f2a \u00e1n gi\u1ea3i quy\u1ebft theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 2 v\u1ec1 \u201cX\u00e1c \u0111\u1ecbnh th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p gi\u1eefa Tr\u1ecdng t\u00e0i, T\u00f2a \u00e1n theo quy \u0111\u1ecbnh Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i\u201d, Ngh\u1ecb quy\u1ebft s\u1ed1 01\/2014\/NQ-H\u0110TP ng\u00e0y 20-3-2014 c\u1ee7a H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u00e1n, T\u00f2a \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao \u201cH\u01b0\u1edbng d\u1eabn thi h\u00e0nh m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i\u201d.<\/p>\n<p>N\u1ebfu h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a b\u00ean th\u1ee9 ba, th\u00ec ch\u1ec9 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c b\u1eb1ng Tr\u1ecdng t\u00e0i khi t\u1ea5t c\u1ea3 c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i.<\/p>\n<ul>\n<li>\n<h5>Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng T\u00f2a \u00e1n:<\/h5>\n<\/li>\n<\/ul>\n<p>Tranh ch\u1ea5p t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft t\u1ea1i T\u00f2a \u00e1n th\u00ec thu\u1ed9c quy\u1ec1n gi\u1ea3i quy\u1ebft c\u1ee7a T\u00f2a nh\u00e2n d\u00e2n huy\u1ec7n, qu\u1eadn, th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1 thu\u1ed9c t\u1ec9nh theo quy \u0111\u1ecbnh <a name=\"_Toc455659967\"><\/a>t\u1ea1i \u0111i\u1ec3m a v\u00e0 b, kho\u1ea3n 1, \u0110i\u1ec1u 33 v\u1ec1 \u201cTh\u1ea9m quy\u1ec1n c\u1ee7a T\u00f2a \u00e1n nh\u00e2n d\u00e2n huy\u1ec7n, qu\u1eadn, th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1 thu\u1ed9c t\u1ec9nh\u201d, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2011 v\u00e0 \u0111i\u1ec3m a v\u00e0 b, kho\u1ea3n 1, \u0110i\u1ec1u 35 v\u1ec1 \u201cTh\u1ea9m quy\u1ec1n c\u1ee7a T\u00f2a \u00e1n nh\u00e2n d\u00e2n c\u1ea5p huy\u1ec7n\u201d, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2015, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 \u0111\u01b0\u01a1ng s\u1ef1 ho\u1eb7c t\u00e0i s\u1ea3n \u1edf n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c c\u1ea7n ph\u1ea3i \u1ee7y th\u00e1c t\u01b0 ph\u00e1p cho c\u01a1 quan \u0111\u1ea1i di\u1ec7n Vi\u1ec7t Nam \u1edf n\u01b0\u1edbc ngo\u00e0i, cho T\u00f2a \u00e1n, c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n c\u1ee7a n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p>Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng T\u00f2a \u00e1n kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean. Lu\u1eadt quy \u0111\u1ecbnh, T\u00f2a \u00e1n n\u01a1i b\u1ecb \u0111\u01a1n c\u01b0 tr\u00fa, l\u00e0m vi\u1ec7c, ho\u1eb7c c\u00f3 tr\u1ee5 s\u1edf c\u00f3 th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 quy\u1ec1n t\u1ef1 tho\u1ea3 thu\u1eadn v\u1edbi nhau b\u1eb1ng v\u0103n b\u1ea3n y\u00eau c\u1ea7u T\u00f2a \u00e1n n\u01a1i c\u01b0 tr\u00fa, l\u00e0m vi\u1ec7c ho\u1eb7c n\u01a1i c\u00f3 tr\u1ee5 s\u1edf c\u1ee7a nguy\u00ean \u0111\u01a1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p theo quy \u0111\u1ecbnh t\u1ea1i \u0111<a name=\"_Toc455659971\"><\/a>i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 39 v\u1ec1 \u201cTh\u1ea9m quy\u1ec1n c\u1ee7a T\u00f2a \u00e1n theo l\u00e3nh th\u1ed5\u201d, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n<p>Ri\u00eang \u0111\u1ed1i v\u1edbi To\u00e0 kinh t\u1ebf th\u00ec kh\u00e1c v\u1edbi th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p c\u1ee7a Tr\u1ecdng t\u00e0i l\u00e0 ch\u1ec9 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p ph\u00e1t sinh trong ho\u1ea1t \u0111\u1ed9ng kinh doanh, th\u01b0\u01a1ng m\u1ea1i gi\u1eefa c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c c\u00f3 \u0111\u0103ng k\u00fd kinh doanh v\u1edbi nhau v\u00e0 \u0111\u1ec1u c\u00f3 m\u1ee5c \u0111\u00edch l\u1ee3i nhu\u1eadn, theo quy \u0111\u1ecbnh t\u1ea1i <a name=\"_Toc455659961\"><\/a>kho\u1ea3n 1, \u0110i\u1ec1u 30 v\u1ec1 \u201dNh\u1eefng tranh ch\u1ea5p v\u1ec1 kinh doanh, th\u01b0\u01a1ng m\u1ea1i thu\u1ed9c th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft c\u1ee7a T\u00f2a \u00e1n\u201d, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n<ol start=\"3\">\n<li><strong>Tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng:<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\n<h5>L\u00e3i su\u1ea5t cho vay trong h\u1ea1n:<\/h5>\n<\/li>\n<\/ul>\n<p>N\u1ebfu nh\u01b0 l\u00e3i su\u1ea5t cho vay trong h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi b\u00ean ngo\u00e0i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, th\u00ec l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n m\u1ee9c tr\u1ea7n 20%\/n\u0103m. Nh\u01b0 v\u1eady, hi\u1ec7n nay kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 bao nhi\u00eau, th\u1eadm ch\u00ed c\u00f3 th\u1ec3 cho vay v\u01b0\u1ee3t m\u1ee9c l\u00e3i su\u1ea5t 100%\/n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201 v\u1ec1 \u201cT\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015.<\/p>\n<p>Ngo\u1ea1i tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c cho vay v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n, nh\u01b0 m\u1ee9c l\u00e3i su\u1ea5t 5%\/n\u0103m \u0111\u1ed1i v\u1edbi cho vay \u01b0u \u0111\u00e3i \u0111\u1ec3 mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i theo \u0110i\u1ec1u 1, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 117\/Q\u0110-TTg ng\u00e0y 22-01-2018 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cM\u1ee9c l\u00e3i su\u1ea5t cho vay \u01b0u \u0111\u00e3i c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng do Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 \u0111\u1ecbnh theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 100\/2015\/N\u0110-CP ng\u00e0y 20-10-2015 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Ph\u00e1t tri\u1ec1n v\u00e0 qu\u1ea3n l\u00fd nh\u00e0 \u1edf x\u00e3 h\u1ed9i\u201d.<\/p>\n<ul>\n<li>\n<h5>L\u00e3i su\u1ea5t n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n:<\/h5>\n<\/li>\n<\/ul>\n<p>N\u1ebfu nh\u01b0 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi n\u1ee3 g\u1ed1c cho vay \u0111\u00e3 b\u1ecb qu\u00e1 h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi b\u00ean ngo\u00e0i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay 20%, t\u1ee9c l\u00e0 kh\u00f4ng qu\u00e1 30%\/n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, th\u00ec l\u00e3i su\u1ea5t cho vay qu\u00e1 h\u1ea1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t cho vay n\u00eau tr\u00ean.<\/p>\n<ul>\n<li>\n<h5>L\u00e3i su\u1ea5t n\u1ee3 l\u00e3i qu\u00e1 h\u1ea1n:<\/h5>\n<\/li>\n<\/ul>\n<p>N\u1ebfu nh\u01b0 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u00e3 b\u1ecb qu\u00e1 h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi b\u00ean ngo\u00e0i ngo\u00e0i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 10%\/n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 357 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, th\u00ec \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng r\u00f5 l\u00e0 c\u00f3 \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 10%\/n\u0103m hay kh\u00f4ng c\u0169ng theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 357 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n<ul>\n<li>\n<h5>L\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n:<\/h5>\n<\/li>\n<\/ul>\n<p>N\u1ebfu nh\u01b0 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 trong qu\u00e1 tr\u00ecnh thi h\u00e0nh \u00e1n, sau khi \u0111\u00e3 c\u00f3 ph\u00e1n quy\u1ebft c\u1ee7a To\u00e0 \u00e1n \u0111\u1ed1i v\u1edbi b\u00ean ngo\u00e0i ngo\u00e0i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 10%\/n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 357 v\u1ec1 \u201cTr\u00e1ch nhi\u1ec7m do ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, th\u00ec \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i v\u1eabn theo tho\u1ea3 thu\u1eadn theo h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, t\u1ee9c l\u00e0 v\u1eabn kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n theo \u00c1n l\u1ec7 s\u1ed1 08\/2016\/AL \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 698\/Q\u0110-CA ng\u00e0y 17\/10\/2016 c\u1ee7a Ch\u00e1nh \u00e1n T\u00f2a \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao. \u0110\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec1u v\u00f4 c\u00f9ng b\u1ea5t h\u1ee3p l\u00fd, kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn, n\u00ean c\u1ea7n ph\u1ea3i nhanh ch\u00f3ng hu\u1ef7 b\u1ecf \u00c1n l\u1ec7 n\u00e0y \u0111\u1ec3 \u00e1p d\u1ee5ng theo quy \u0111\u1ecbnh chung.<\/p>\n<p>Ri\u00eang \u0111\u1ed1i v\u1edbi vi\u1ec7c ch\u1eadm thi h\u00e0nh ph\u00e1n quy\u1ebft Tr\u1ecdng t\u00e0i th\u00ec kh\u00f4ng r\u00f5 \u00e1p d\u1ee5ng theo nguy\u00ean t\u1eafc n\u00e0o, v\u00ec ph\u00e1n quy\u1ebft c\u1ee7a Tr\u1ecdng t\u00e0i kh\u00f4ng \u0111\u01b0\u01a1ng nhi\u00ean \u1ea5n \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh ph\u00e1n quy\u1ebft c\u0169ng nh\u01b0 kh\u00f4ng \u0111\u01b0\u01a1ng nhi\u00ean \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u0169ng nh\u01b0 \u00c1n l\u1ec7 n\u00eau tr\u00ean.<\/p>\n<ol start=\"4\">\n<li><strong>Th\u1eddi hi\u1ec7u gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng:<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\n<h5>Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng cho vay:<\/h5>\n<\/li>\n<\/ul>\n<p>Nh\u01b0 v\u1eady, \u0110i\u1ec1u 429 v\u1ec1 \u201cTh\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ec1 h\u1ee3p \u0111\u1ed3ng\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh \u201c<em>Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ec3 y\u00eau c\u1ea7u T\u00f2a \u00e1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng l\u00e0 03 n\u0103m, k\u1ec3 t\u1eeb ng\u00e0y ng\u01b0\u1eddi c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u bi\u1ebft ho\u1eb7c ph\u1ea3i bi\u1ebft quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh b\u1ecb x\u00e2m ph\u1ea1m<\/em>\u201d.<\/p>\n<p>Tuy nhi\u00ean, \u0111\u1ebfn nay ch\u01b0a x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ch\u1eafc ch\u1eafn h\u1ee3p \u0111\u1ed3ng cho vay c\u00f3 b\u1ecb \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 429 n\u00eau tr\u00ean hay kh\u00f4ng?<\/p>\n<p>L\u00fd do l\u00e0, tr\u01b0\u1edbc \u0111\u00e2y \u0111i\u1ec3m a, kho\u1ea3n 3, \u0110i\u1ec1u 159 v\u1ec1 \u201cTh\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n, th\u1eddi hi\u1ec7u y\u00eau c\u1ea7u\u201d, B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2011 (\u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c), quy \u0111\u1ecbnh 2 trong s\u1ed1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ee5 \u00e1n d\u00e2n s\u1ef1 l\u00e0 \u201c<em>Tranh ch\u1ea5p v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n; tranh ch\u1ea5p v\u1ec1 \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n do ng\u01b0\u1eddi kh\u00e1c qu\u1ea3n l\u00fd, chi\u1ebfm h\u1eef<\/em>u\u201d. Quy \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch l\u00e0 vi\u1ec7c \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay (\u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n) s\u1ebd kh\u00f4ng c\u00f3 th\u1eddi hi\u1ec7u.<\/p>\n<p>Tuy nhi\u00ean, kho\u1ea3n 2, \u0110i\u1ec1u 155 v\u1ec1 \u201cKh\u00f4ng \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 \u0111\u00e3 quy \u0111\u1ecbnh nh\u01b0 sau: Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n kh\u00f4ng \u00e1p d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p \u201c<em>Y\u00eau c\u1ea7u b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p B\u1ed9 lu\u1eadt n\u00e0y, lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1<\/em>c\u201d. Nh\u01b0 v\u1eady, B\u1ed9 lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u00e3 b\u1ecf quy \u0111\u1ecbnh lo\u1ea1i tr\u1eeb th\u1eddi hi\u1ec7u trong tr\u01b0\u1eddng h\u1ee3p \u201c<em>tranh ch\u1ea5p v\u1ec1 \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n\u201d. <\/em>Trong khi \u0111\u00f3, vi\u1ec7c \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i kh\u00f4ng thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p \u201c<em>Y\u00eau c\u1ea7u b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu\u201d, <\/em>v\u00ec theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 464 v\u1ec1 \u201cQuy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 th\u00ec \u201cB\u00ean vay tr\u1edf th\u00e0nh ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n vay k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m nh\u1eadn t\u00e0i s\u1ea3n \u0111\u00f3\u201d. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 ch\u01b0a r\u00f5 c\u00f3 hay kh\u00f4ng \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n 3 n\u0103m \u0111\u1ed1i v\u1edbi vi\u1ec7c \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay cho \u0111\u1ebfn khi c\u00f3 v\u0103n b\u1ea3n quy \u0111\u1ecbnh hay gi\u1ea3i th\u00edch c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n.<\/p>\n<ul>\n<li>\n<h5>Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00e1c:<\/h5>\n<\/li>\n<\/ul>\n<p>Ngo\u00e0i th\u1edfi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng cho vay c\u00f2n ch\u01b0a r\u00f5 r\u00e0ng nh\u01b0 tr\u00ean, \u0111\u1ed1i v\u1edbi tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00e1c th\u00ec c\u00e0ng kh\u00f4ng r\u00f5 v\u1ec1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n.<\/p>\n<p>Ri\u00eang \u0111\u1ed1i v\u1edbi th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n y\u00eau c\u1ea7u th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh theo c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 3 n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 429 n\u00eau tr\u00ean c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Nh\u01b0 v\u1eady b\u00ean nh\u1eadn b\u1ea3o l\u00e3nh c\u00f3 \u00edt nh\u1ea5t 3 n\u0103m \u0111\u1ec3 y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thanh to\u00e1n k\u1ec3 t\u1eeb khi h\u1ebft th\u1eddi h\u1ea1n b\u1ea3o l\u00e3nh, ch\u1ee9 kh\u00f4ng bu\u1ed9c ph\u1ea3i y\u00eau c\u1ea7u trong th\u1eddi h\u1ea1n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a cam k\u1ebft b\u1ea3o l\u00e3nh nh\u01b0 \u0111\u00f2i h\u1ecfi h\u1ebft s\u1ee9c v\u00f4 l\u00fd c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n<p>V\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u00f5 n\u1eefa l\u00e0 \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u 2 n\u0103m hay 3 n\u0103m \u0111\u1ed1i v\u1edbi vi\u1ec7c kh\u1edfi ki\u1ec7n t\u1ea1i Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i. V\u00ec \u0110i\u1ec1u 33 v\u1ec1 \u201cTh\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i\u201d, Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2010 quy \u0111\u1ecbnh nh\u01b0 sau: \u201c<em>Tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt chuy\u00ean ng\u00e0nh c\u00f3 quy \u0111\u1ecbnh kh\u00e1c, th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n theo th\u1ee7 t\u1ee5c tr\u1ecdng t\u00e0i l\u00e0 02 n\u0103m, k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p b\u1ecb x\u00e2m ph\u1ea1m<\/em>\u201d.<\/p>\n<ul>\n<li>\n<h5>Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n tranh ch\u1ea5p b\u1ea3o \u0111\u1ea3m t\u00edn d\u1ee5ng:<\/h5>\n<\/li>\n<\/ul>\n<p>Tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u00edn d\u1ee5ng l\u00e0 c\u1ee7a ch\u00ednh b\u00ean vay th\u00ec th\u1eddi hi\u1ec7u gi\u1ea3i quy\u1ebft tranh ch\u1ea5p v\u1ec1 b\u1ea3o \u0111\u1ea3m t\u00edn d\u1ee5ng \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ee5 thu\u1ed9c v\u00e0o th\u1eddi hi\u1ec7u gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng.<\/p>\n<p>Tuy nhi\u00ean, tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u00edn d\u1ee5ng l\u00e0 c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba, d\u00f9 h\u1ee3p \u0111\u1ed3ng cho vay c\u00f3 th\u1ec3 kh\u00f4ng c\u00f3 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n, nh\u01b0ng n\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba c\u0169ng b\u1ecb k\u00e9o d\u00e0i v\u00f4 th\u1eddi h\u1ea1n th\u00ec l\u00e0 \u0111i\u1ec1u r\u1ea5t kh\u00f4ng h\u1ee3p l\u00fd. V\u00ec v\u1eady, m\u1ed9t trong nh\u1eefng kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0 c\u00f3 th\u1ec3 b\u1ecb h\u1ebft th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba trong th\u1eddi h\u1ea1n 2 ho\u1eb7c 3 n\u0103m nh\u01b0 n\u00eau tr\u00ean.<\/p>\n<h4><strong><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> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/h4>\n<p>\u2014\u2014\u2014\u2014\u2014\u2014<\/p>\n<p><em>B\u00e1o Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam (Chuy\u00ean \u0111\u1ec1 H\u1ed7 tr\u1ee3 ph\u00e1p l\u00fd cho Doanh nghi\u1ec7p) 7-2018<\/em><\/p>\n<p><em><a href=\"http:\/\/viac.vn\/tin-tuc\/giai-quyet-tranh-chap-tin-dung-a1257.html\">http:\/\/viac.vn\/tin-tuc\/giai-quyet-tranh-chap-tin-dung-a1257.html<\/a><\/em><\/p>\n<p><em>\u00a0<\/em>","protected":false},"excerpt":{"rendered":"<p>Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng (PL) &#8211; Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng ngo\u00e0i \u0111i\u1ec3m gi\u1ed1ng v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p th\u00ec c\u00f2n c\u00f3 nhi\u1ec1u \u0111i\u1ec3m kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c tranh ch\u1ea5p d\u00e2n s\u1ef1 ho\u1eb7c kinh doanh, th\u01b0\u01a1ng m\u1ea1i n\u00f3i chung, trong \u0111\u00f3 c\u00f3 c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t th\u1eddi hi\u1ec7n [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4511,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,46,36],"class_list":["post-4510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-kinh-doanh-thuong-mai","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>239. Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u00edn d\u1ee5ng ngo\u00e0i \u0111i\u1ec3m gi\u1ed1ng v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p th\u00ec c\u00f2n c\u00f3 nhi\u1ec1u \u0111i\u1ec3m kh\u00e1c bi\u1ec7t so v\u1edbi...\" \/>\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\/239-giai-quyet-tranh-chap-tin-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]239. 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