{"id":4519,"date":"2018-05-30T23:29:42","date_gmt":"2018-05-30T16:29:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4519"},"modified":"2024-10-30T13:50:48","modified_gmt":"2024-10-30T06:50:48","slug":"236-tu-mu-tai-khoan-tien-gui","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/","title":{"rendered":"236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi"},"content":{"rendered":"

T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi<\/span><\/h4>\n
(KTSG) – Vi\u1ec7c s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn v\u00e0 c\u1ea7n thi\u1ebft, nh\u1ea5t l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt b\u1eaft bu\u1ed9c ph\u1ea3i thanh to\u00e1n, gi\u1ea3i ng\u00e2n, chuy\u1ec3n ti\u1ec1n qua ng\u00e2n h\u00e0ng. Nh\u01b0ng tr\u1edb tr\u00eau thay, \u0111ang thi\u1ebfu h\u1eb3n c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng.<\/strong><\/h5>\n
T\u1ea5t c\u1ea3 \u0111\u1ec1u l\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi<\/strong><\/h5>\n

\"T\u00f9<\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u kho\u1ea3n 3.12 c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) n\u0103m 2010, ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng bao g\u1ed3m ba lo\u1ea1i l\u00e0: nh\u1eadn ti\u1ec1n g\u1eedi, c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n. C\u1ea3 ba ho\u1ea1t \u0111\u1ed9ng n\u00e0y ch\u1ee7 y\u1ebfu ph\u1ea3i th\u00f4ng qua \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d, trong \u0111\u00f3 c\u00f3 \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n\u201d.<\/p>\n

Ri\u00eang ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng \u0111\u1ec1u \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd th\u00f4ng qua t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi. H\u00e0ng ch\u1ee5c \u0111\u1ea1o lu\u1eadt v\u00e0 ngh\u1ecb \u0111\u1ecbnh trong \u0111\u1ee7 c\u00e1c l\u0129nh v\u1ef1c \u0111\u00e3 nh\u1eafc \u0111\u1ebfn c\u1ee5m t\u1eeb \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d t\u1ea1i c\u00e1c TCTD.<\/p>\n

Tuy nhi\u00ean, trong nhi\u1ec1u v\u1ee5 \u00e1n v\u00e0 v\u1ee5 vi\u1ec7c m\u1ea5t ti\u1ec1n g\u1eedi li\u00ean quan \u0111\u1ebfn t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng trong m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y, \u0111\u00e3 x\u1ea3y ra vi\u1ec7c tranh c\u00e3i v\u1ec1 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd ti\u1ec1n trong t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn (trong \u0111\u00f3 c\u00f3 \u0111\u1ea1i di\u1ec7n VietinBank t\u1ea1i phi\u00ean t\u00f2a ng\u00e0y 10-1-2014 x\u00e9t x\u1eed s\u01a1 th\u1ea9m Hu\u1ef3nh Th\u1ecb Huy\u1ec1n Nh\u01b0) cho r\u1eb1ng, ng\u00e2n h\u00e0ng ch\u1ec9 ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi s\u1ed1 d\u01b0 \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d, ch\u1ee9 kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi s\u1ed1 d\u01b0 \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n\u201d c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

\u0110\u00f3 l\u00e0 quan \u0111i\u1ec3m sai tr\u00e1i, v\u00ec \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n l\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u kho\u1ea3n 4.22, Lu\u1eadt c\u00e1c TCTD. \u201cQuy ch\u1ebf m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 TCTD\u201d, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN ng\u00e0y 21-11-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc tr\u01b0\u1edbc \u0111\u00e2y c\u0169ng \u0111\u00e3 t\u1eebng quy \u0111\u1ecbnh r\u00f5 \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 t\u00e0i kho\u1ea3n thanh to\u00e1n\u201d.<\/p>\n

Do \u0111\u00f3, m\u1ecdi t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ec1u l\u00e0 \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d. C\u00f2n m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c g\u1eedi ti\u1ec1n th\u00ec c\u00f3 th\u1ec3 r\u1ea5t kh\u00e1c nhau, nh\u01b0 l\u00e0 \u0111\u1ec3 thanh to\u00e1n (t\u00e0i kho\u1ea3n thanh to\u00e1n), \u0111\u1ec3 k\u00fd qu\u1ef9 (t\u00e0i kho\u1ea3n k\u00fd qu\u1ef9, l\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1), \u0111\u1ec3 ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh (t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi \u0111\u1ec3 tham gia c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf), \u0111\u1ec3 h\u01b0\u1edfng l\u00e3i su\u1ea5t (t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00f3i chung, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m n\u00f3i ri\u00eang) hay ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 \u0111\u1ec3 gi\u1eef ti\u1ec1n (t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi \u0111\u00f4 la M\u1ef9 l\u00e3i su\u1ea5t b\u1eb1ng 0)…<\/p>\n

B\u1ecf r\u01a1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi<\/strong><\/h5>\n

Tr\u01b0\u1edbc \u0111\u00e2y, \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d n\u00f3i chung, \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n\u201d n\u00f3i ri\u00eang, \u0111\u01b0\u1ee3c m\u1edf v\u00e0 s\u1eed d\u1ee5ng theo \u201cQuy ch\u1ebf m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 TCTD\u201d n\u00eau tr\u00ean.<\/p>\n

Tuy nhi\u00ean, Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN thay th\u1ebf Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN th\u00ec l\u1ea1i ch\u1ec9 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c \u201cM\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n\u201d, t\u1ee9c l\u00e0 ch\u1ec9 c\u00f2n duy nh\u1ea5t m\u1ed9t lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n. Nh\u01b0 v\u1eady, vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n n\u00f3i ri\u00eang v\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00f3i chung \u0111\u00e3 kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh, t\u1ee9c t\u1ef1 d\u01b0ng b\u1ecb \u201cx\u00f3a s\u1ed5\u201d, ch\u1ec9 tr\u1eeb m\u1ed9t v\u00e0i tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 nh\u01b0 vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n v\u1ed1n \u0111\u1ea7u t\u01b0 gi\u00e1n ti\u1ebfp theo Th\u00f4ng t\u01b0 s\u1ed1 05\/2014\/TT-NHNN. Ri\u00eang \u0111\u1ed1i v\u1edbi vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m th\u00ec \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN. Tuy nhi\u00ean, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m ch\u1ec9 d\u00e0nh ri\u00eang cho c\u00e1 nh\u00e2n (ph\u00e1p nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m) v\u00e0 c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t trong nhi\u1ec1u h\u00ecnh th\u1ee9c g\u1eedi ti\u1ec1n c\u1ee7a c\u00e1 nh\u00e2n t\u1ea1i ng\u00e2n h\u00e0ng.<\/p>\n

C\u00e1c lu\u1eadt, ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 kh\u00e1c v\u1ec1 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ch\u1ec9 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 c\u00f4ng c\u1ee5 thanh to\u00e1n, ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n, trung gian thanh to\u00e1n, thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, thanh to\u00e1n \u0111i\u1ec7n t\u1eed, s\u00e9c, th\u1ebb ng\u00e2n h\u00e0ng… c\u00f2n \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn, ch\u1ee9 kh\u00f4ng h\u1ec1 c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y. Th\u1eadm ch\u00ed Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2014\/N\u0110-CP quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u0169ng ch\u1ec9 c\u00f3 x\u1eed ph\u1ea1t li\u00ean quan \u0111\u1ebfn \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n\u201d, m\u00e0 kh\u00f4ng h\u1ec1 nh\u1eafc \u0111\u1ebfn \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d.<\/p>\n

Kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd<\/strong><\/h5>\n

Do \u0111\u00f3, c\u00e1c TCTD v\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i t\u1ef1 m\u00e0y m\u00f2 v\u00e0 \u00e1p d\u1ee5ng sai quy \u0111\u1ecbnh trong vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00f3i chung do ho\u00e0n to\u00e0n thi\u1ebfu v\u1eafng quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n (ng\u01b0\u1eddi d\u01b0\u1edbi 18 tu\u1ed5i c\u00f3 \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n kh\u00f4ng?); h\u00ecnh th\u1ee9c m\u1edf t\u00e0i kho\u1ea3n (c\u00f3 \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n \u0111\u1ed3ng s\u1edf h\u1eefu kh\u00f4ng?); h\u1ed3 s\u01a1, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c m\u1edf t\u00e0i kho\u1ea3n (nh\u1eefng g\u00ec l\u00e0 b\u1eaft bu\u1ed9c?); vi\u1ec7c s\u1eed d\u1ee5ng, kh\u00f3a, phong t\u1ecfa v\u00e0 \u0111\u00f3ng t\u00e0i kho\u1ea3n (khi n\u00e0o \u0111\u01b0\u1ee3c ph\u00e9p?); quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n v\u00e0 ng\u00e2n h\u00e0ng…<\/p>\n

N\u1ebfu l\u00e0 t\u00e0i kho\u1ea3n thanh to\u00e1n th\u00ec m\u1ecdi v\u1ea5n \u0111\u1ec1 tr\u00ean \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN, th\u1eadm ch\u00ed c\u1ea3 quy \u0111\u1ecbnh \u0111\u01b0\u01a1ng nhi\u00ean nh\u01b0 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n (lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c r\u00fat b\u1ea5t k\u1ef3 l\u00fac n\u00e0o, kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m r\u00fat tr\u01b0\u1edbc h\u1ea1n). Tuy nhi\u00ean \u0111\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00f3i chung th\u00ec ho\u00e0n to\u00e0n l\u00e0 m\u1ed9t kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd.<\/p>\n

Kh\u00f4ng th\u1ec3 hi\u1ec3u n\u1ed5i t\u1ea1i sao b\u1ed7ng d\u01b0ng l\u1ea1i xu\u1ea5t hi\u1ec7n m\u1ed9t l\u1ed7 h\u1ed5ng ph\u00e1p l\u00fd l\u1edbn nh\u01b0 v\u1eady, m\u1eb7c d\u00f9 \u0111\u00e3 ch\u1edd \u0111\u1ee3i g\u1ea7n b\u1ed1n n\u0103m m\u00e0 v\u1eabn ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00f3i chung. C\u00f3 l\u1ebd \u0111\u00e2y c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean d\u1eabn \u0111\u1ebfn vi\u1ec7c d\u1ec5 m\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 kh\u00f3 ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c b\u00ean trong th\u1eddi gian v\u1eeba qua.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/strong><\/em><\/p>\n

(1.052\/1.052)<\/em><\/p>\n

\u00a0————————<\/em><\/strong><\/p>\n

T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi<\/strong><\/h5>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/p>\n

Vi\u1ec7c s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn v\u00e0 c\u1ea7n thi\u1ebft, nh\u1ea5t l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt b\u1eaft bu\u1ed9c ph\u1ea3i thanh to\u00e1n, gi\u1ea3i ng\u00e2n, chuy\u1ec3n ti\u1ec1n qua ng\u00e2n h\u00e0ng. Nh\u01b0ng tr\u1edb tr\u00eau thay \u0111ang thi\u1ebfu h\u1eb3n c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng. <\/em><\/p>\n

T\u1ea5t c\u1ea3 \u0111\u1ec1u l\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi<\/strong><\/h5>\n

Theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u kho\u1ea3n 3.12 c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010, ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng bao g\u1ed3m ba lo\u1ea1i l\u00e0: Nh\u1eadn ti\u1ec1n g\u1eedi, c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n. C\u1ea3 ba ho\u1ea1t \u0111\u1ed9ng n\u00e0y ch\u1ee7 y\u1ebfu ph\u1ea3i th\u00f4ng qua \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d, trong \u0111\u00f3 c\u00f3 \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n\u201d.<\/p>\n

Ri\u00eang ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng \u0111\u1ec1u \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd th\u00f4ng qua t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi. H\u00e0ng ch\u1ee5c \u0111\u1ea1o lu\u1eadt v\u00e0 ngh\u1ecb \u0111\u1ecbnh trong \u0111\u1ee7 c\u00e1c l\u0129nh v\u1ef1c \u0111\u00e3 nh\u1eafc \u0111\u1ebfn c\u1ee5m t\u1eeb \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Tuy nhi\u00ean, trong nhi\u1ec1u v\u1ee5 \u00e1n v\u00e0 v\u1ee5 vi\u1ec7c m\u1ea5t ti\u1ec1n g\u1eedi li\u00ean quan \u0111\u1ebfn t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng trong m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y, \u0111\u00e3 x\u1ea3y ra vi\u1ec7c tranh c\u00e3i v\u1ec1 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd ti\u1ec1n trong t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn (trong \u0111\u00f3 c\u00f3 \u0111\u1ea1i di\u1ec7n Vietinbank t\u1ea1i Phi\u00ean t\u00f2a ng\u00e0y 10-01-2014 x\u00e9t x\u1eed s\u01a1 th\u1ea9m Hu\u1ef3nh Th\u1ecb Hu\u1ef3nh Nh\u01b0) cho r\u1eb1ng, ng\u00e2n h\u00e0ng ch\u1ec9 ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi s\u1ed1 d\u01b0 \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d, ch\u1ee9 kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi s\u1ed1 d\u01b0 \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n\u201d c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

\u0110\u00f3 l\u00e0 quan \u0111i\u1ec3m sai tr\u00e1i, v\u00ec \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n l\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u kho\u1ea3n 4.22, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u201cQuy ch\u1ebf m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN ng\u00e0y 21-11-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc tr\u01b0\u1edbc \u0111\u00e2y c\u0169ng \u0111\u00e3 t\u1eebng quy \u0111\u1ecbnh r\u00f5 \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi l\u00e0 t\u00e0i kho\u1ea3n thanh to\u00e1n\u201d.<\/p>\n

Do \u0111\u00f3, m\u1ecdi t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ec1u l\u00e0 \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d. C\u00f2n m\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c g\u1eedi ti\u1ec1n th\u00ec c\u00f3 th\u1ec3 r\u1ea5t kh\u00e1c nhau, nh\u01b0 l\u00e0 \u0111\u1ec3 thanh to\u00e1n (t\u00e0i kho\u1ea3n thanh to\u00e1n), \u0111\u1ec3 k\u00fd qu\u1ef9 (t\u00e0i kho\u1ea3n k\u00fd qu\u1ef9, l\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1), \u0111\u1ec3 ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh (t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi \u0111\u1ec3 tham gia c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf), \u0111\u1ec3 h\u01b0\u1edfng l\u00e3i su\u1ea5t (t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00f3i chung, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m n\u00f3i ri\u00eang) hay ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 \u0111\u1ec3 gi\u1eef ti\u1ec1n (t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi USD l\u00e3i su\u1ea5t b\u1eb1ng kh\u00f4ng),\u2026<\/p>\n

B\u1ecf r\u01a1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi <\/strong><\/h5>\n

Tr\u01b0\u1edbc \u0111\u00e2y, \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d n\u00f3i chung, \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n\u201d n\u00f3i ri\u00eang, \u0111\u01b0\u1ee3c m\u1edf v\u00e0 s\u1eed d\u1ee5ng theo \u201cQuy ch\u1ebf m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d n\u00eau tr\u00ean.<\/p>\n

Tuy nhi\u00ean, Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN thay th\u1ebf Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN th\u00ec l\u1ea1i ch\u1ec9 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c \u201cM\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n\u201d, t\u1ee9c l\u00e0 ch\u1ec9 c\u00f2n duy nh\u1ea5t m\u1ed9t lo\u1ea1i t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n. Nh\u01b0 v\u1eady, vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n n\u1ecfi ri\u00eang v\u00e0 t\u00e0i kho\u00e0n ti\u1ec1n g\u1eedi n\u00f3i chung \u0111\u00e3 kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh, t\u1ee9c t\u1ef1 d\u01b0ng b\u1ecb xo\u00e1 \u201cxo\u00e1 s\u1ed5\u201d, ch\u1ec9 tr\u1eeb m\u1ed9t v\u00e0i tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 nh\u01b0 vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n v\u1ed1n \u0111\u1ea7u t\u01b0 gi\u00e1n ti\u1ebfp theo Th\u00f4ng t\u01b0 s\u1ed1 05\/2014\/TT-NHNN. Ri\u00eang \u0111\u1ed1i v\u1edbi vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m th\u00ec \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN. Tuy nhi\u00ean, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m ch\u1ec9 d\u00e0nh ri\u00eang cho c\u00e1 nh\u00e2n (ph\u00e1p nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m) v\u00e0 c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t trong nhi\u1ec1u h\u00ecnh th\u1ee9c g\u1eedi ti\u1ec1n c\u1ee7a c\u00e1 nh\u00e2n t\u1ea1i ng\u00e2n h\u00e0ng.<\/p>\n

C\u00e1c lu\u1eadt, ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 kh\u00e1c v\u1ec1 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ch\u1ec9 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 c\u00f4ng c\u1ee5 thanh to\u00e1n, ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n, trung gian thanh to\u00e1n, thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, thanh to\u00e1n \u0111i\u1ec7n t\u1eed, s\u00e9c, th\u1ebb ng\u00e2n h\u00e0ng,\u2026 c\u00f2n \u201ct\u00e0i kho\u00e0n ti\u1ec1n g\u1eedi\u201d th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn, ch\u1ee9 kh\u00f4ng h\u1ec1 c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y. Th\u1eadm ch\u00ed Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2014\/N\u0110-CP quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u0169ng ch\u1ec9 c\u00f3 x\u1eed ph\u1ea1t li\u00ean quan \u0111\u1ebfn \u201ct\u00e0i kho\u1ea3n thanh to\u00e1n\u201d, m\u00e0 kh\u00f4ng h\u1ec1 nh\u1eafc \u0111\u1ebfn \u201ct\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\u201d.<\/p>\n

Kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd<\/strong><\/h5>\n

Do \u0111\u00f3, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i t\u1ef1 m\u00e0y m\u00f2 v\u00e0 \u00e1p d\u1ee5ng sai quy \u0111\u1ecbnh trong vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00f3i chung do ho\u00e0n to\u00e0n thi\u1ebfu v\u1eafng quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n (ng\u01b0\u1eddi d\u01b0\u1edbi 18 tu\u1ed5i c\u00f3 \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n kh\u00f4ng?); h\u00ecnh th\u1ee9c m\u1edf t\u00e0i kho\u1ea3n (c\u00f3 \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n \u0111\u1ed3ng s\u1edf h\u1eefu kh\u00f4ng?); h\u1ed3 s\u01a1, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c m\u1edf t\u00e0i kho\u1ea3n (nh\u1eefng g\u00ec l\u00e0 b\u1eaft bu\u1ed9c?); vi\u1ec7c s\u1eed d\u1ee5ng, kho\u00e1, phong to\u1ea3 v\u00e0 \u0111\u00f3ng t\u00e0i kho\u1ea3n (khi n\u00e0o \u0111\u01b0\u1ee3c ph\u00e9p?); quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n v\u00e0 ng\u00e2n h\u00e0ng;\u2026<\/p>\n

N\u1ebfu l\u00e0 t\u00e0i kho\u1ea3n thanh to\u00e1n th\u00ec m\u1ecdi v\u1ea5n \u0111\u1ec1 tr\u00ean \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN, th\u1eadm ch\u00ed c\u1ea3 quy \u0111\u1ecbnh \u0111\u01b0\u01a1ng nhi\u00ean nh\u01b0 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n (lo\u1ea1i t\u00e0i kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c r\u00fat b\u1ea5t k\u1ef3 l\u00fac n\u00e0o, kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m r\u00fat tr\u01b0\u1edbc h\u1ea1n). Tuy nhi\u00ean \u0111\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00f3i chung th\u00ec ho\u00e0n to\u00e0n l\u00e0 m\u1ed9t kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd. Do v\u1eady, th\u00e1ng 4-2018 v\u1eeba qua t\u1ea1i H\u00e0 N\u1ed9i, C\u00f4ng ty Q. g\u1eedi ti\u1ec1n lo\u1ea1i c\u00f3 k\u1ef3 h\u1ea1n, khi r\u00fat ti\u1ec1n tr\u01b0\u1edbc h\u1ea1n \u0111\u00e3 b\u1ecb ng\u00e2n h\u00e0ng t\u00ednh l\u00e3i ti\u1ec1n g\u1eedi theo l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch m\u1ed9t c\u00e1ch r\u1ea5t v\u00f4 l\u00fd l\u00e0 \u00e1p d\u1ee5ng gi\u1ed1ng nh\u01b0 quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p r\u00fat ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc h\u1ea1n.<\/p>\n

Kh\u00f4ng th\u1ec3 hi\u1ec3u n\u1ed5i t\u1ea1i sao b\u1ed7ng d\u01b0ng l\u1ea1i xu\u1ea5t hi\u1ec7n m\u1ed9t l\u1ed7 h\u1ed5ng ph\u00e1p l\u00fd l\u1edbn nh\u01b0 v\u1eady, m\u1eb7c d\u00f9 \u0111\u00e3 ch\u1edd \u0111\u1ee3i g\u1ea7n 4 n\u0103m m\u00e0 v\u1eabn ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00f3i chung. C\u00f3 l\u1ebd \u0111\u00e2y c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean d\u1eabn d\u1eabn \u0111\u1ebfn vi\u1ec7c d\u1ec5 m\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 kh\u00f3 ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c b\u00ean trong th\u1eddi gian v\u1eeba qua.<\/p>\n

Nh\u01b0 v\u1eady, vi\u1ec7c g\u1eedi gi\u1eef v\u00e0ng, t\u00e0i s\u1ea3n qu\u00fd, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 (ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p s\u1eed d\u1ee5ng c\u00e1c t\u00e0i s\u1ea3n n\u00e0y \u0111\u1ec3 kinh doanh) hay vi\u1ec7c g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng (c\u00f3 ho\u1eb7c kh\u00f4ng c\u00f3 l\u00e3i v\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e9p s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n n\u00e0y \u0111\u1ec3 kinh doanh) th\u00ec ch\u1ec9 c\u00f2n bi\u1ebft th\u1ef1c theo c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng g\u1eedi gi\u1eef ho\u1eb7c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014<\/p>\n

Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n (Ng\u00e2n h\u00e0ng) 30-5-2018:<\/em><\/strong><\/p>\n

http:\/\/www.thesaigontimes.vn\/273293\/Tu-mu-tai-khoan-tien-gui.html<\/a><\/em><\/p>\n

 ","protected":false},"excerpt":{"rendered":"

T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi (KTSG) – Vi\u1ec7c s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn v\u00e0 c\u1ea7n thi\u1ebft, nh\u1ea5t l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt b\u1eaft bu\u1ed9c ph\u1ea3i thanh to\u00e1n, gi\u1ea3i ng\u00e2n, chuy\u1ec3n ti\u1ec1n qua ng\u00e2n h\u00e0ng. Nh\u01b0ng tr\u1edb tr\u00eau thay, \u0111ang thi\u1ebfu h\u1eb3n c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c […]<\/p>\n","protected":false},"author":7,"featured_media":4520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[36],"class_list":["post-4519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi: Nh\u01b0ng tr\u1edb tr\u00eau thay, \u0111ang thi\u1ebfu h\u1eb3n c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi: Nh\u01b0ng tr\u1edb tr\u00eau thay, \u0111ang thi\u1ebfu h\u1eb3n c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2018-05-30T16:29:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-30T06:50:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png\" \/>\n\t<meta property=\"og:image:width\" content=\"429\" \/>\n\t<meta property=\"og:image:height\" content=\"283\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\",\"datePublished\":\"2018-05-30T16:29:42+00:00\",\"dateModified\":\"2024-10-30T06:50:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/\"},\"wordCount\":3614,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#organization\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png\",\"keywords\":[\"Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng\"],\"articleSection\":[\"B\u00e0i vi\u1ebft\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/\",\"url\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/\",\"name\":\"[:vi]236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png\",\"datePublished\":\"2018-05-30T16:29:42+00:00\",\"dateModified\":\"2024-10-30T06:50:48+00:00\",\"description\":\"T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi: Nh\u01b0ng tr\u1edb tr\u00eau thay, \u0111ang thi\u1ebfu h\u1eb3n c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng...\",\"breadcrumb\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#primaryimage\",\"url\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png\",\"contentUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png\",\"width\":429,\"height\":283,\"caption\":\"Ch\u1ed1t an to\u00e0n ti\u1ec1n g\u1eedi n\u1eb1m \u1edf ng\u00e2n h\u00e0ng\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/anvilaw.com\/vi\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#website\",\"url\":\"https:\/\/anvilaw.com\/vi\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/anvilaw.com\/vi\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\/\/anvilaw.com\/vi\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/facebook.com\/anvilawfirm\",\"https:\/\/x.com\/anvilawfirm\",\"https:\/\/www.youtube.com\/@anvilawfirm\",\"https:\/\/www.youtube.com\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/3ed6356b2b43ea929d46dfbdac9c841c\",\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g\",\"caption\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\"},\"sameAs\":[\"http:\/\/hangtt\"],\"url\":\"https:\/\/anvilaw.com\/vi\/author\/hangtt\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi[:] - ANVI Law Firm","description":"T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi: Nh\u01b0ng tr\u1edb tr\u00eau thay, \u0111ang thi\u1ebfu h\u1eb3n c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi[:] - ANVI Law Firm","og_description":"T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi: Nh\u01b0ng tr\u1edb tr\u00eau thay, \u0111ang thi\u1ebfu h\u1eb3n c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng...","og_url":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2018-05-30T16:29:42+00:00","article_modified_time":"2024-10-30T06:50:48+00:00","og_image":[{"width":429,"height":283,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png","type":"image\/png"}],"author":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"13 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/"},"author":{"name":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/3ed6356b2b43ea929d46dfbdac9c841c"},"headline":"236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi","datePublished":"2018-05-30T16:29:42+00:00","dateModified":"2024-10-30T06:50:48+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/"},"wordCount":3614,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png","keywords":["Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng"],"articleSection":["B\u00e0i vi\u1ebft","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/","url":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/","name":"[:vi]236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png","datePublished":"2018-05-30T16:29:42+00:00","dateModified":"2024-10-30T06:50:48+00:00","description":"T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi: Nh\u01b0ng tr\u1edb tr\u00eau thay, \u0111ang thi\u1ebfu h\u1eb3n c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng...","breadcrumb":{"@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-23.32.54.png","width":429,"height":283,"caption":"Ch\u1ed1t an to\u00e0n ti\u1ec1n g\u1eedi n\u1eb1m \u1edf ng\u00e2n h\u00e0ng"},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/vi\/236-tu-mu-tai-khoan-tien-gui\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"236. T\u00f9 m\u00f9 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/3ed6356b2b43ea929d46dfbdac9c841c","name":"Tr\u01b0\u01a1ng Thu H\u1eb1ng","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8a1dd94c1d11e35c4c80b442ca4ef4e6aaee413a43ee9f7311c8534fc1aa358b?s=96&d=mm&r=g","caption":"Tr\u01b0\u01a1ng Thu H\u1eb1ng"},"sameAs":["http:\/\/hangtt"],"url":"https:\/\/anvilaw.com\/vi\/author\/hangtt\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4519","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=4519"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4519\/revisions"}],"predecessor-version":[{"id":43057,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4519\/revisions\/43057"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/4520"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=4519"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=4519"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=4519"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}