{"id":4524,"date":"2018-05-17T23:40:23","date_gmt":"2018-05-17T16:40:23","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4524"},"modified":"2024-10-31T14:46:19","modified_gmt":"2024-10-31T07:46:19","slug":"234-chot-an-toan-tien-gui-nam-o-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/234-chot-an-toan-tien-gui-nam-o-ngan-hang\/","title":{"rendered":"234. Ch\u1ed1t an to\u00e0n ti\u1ec1n g\u1eedi n\u1eb1m \u1edf ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Ch\u1ed1t an to\u00e0n ti\u1ec1n g\u1eedi n\u1eb1m \u1edf ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(KTSG) – D\u01b0 lu\u1eadn v\u00f4 c\u00f9ng b\u0103n kho\u0103n, lo l\u1eafng \u0111\u1ed1i v\u1edbi c\u00e1ch gi\u1ea3i quy\u1ebft th\u1ef1c t\u1ebf c\u0169ng nh\u01b0 vi\u1ec7c tranh c\u00e3i v\u1ec1 l\u1ed7i v\u00e0 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng tr\u01b0\u1edbc m\u1ed9t lo\u1ea1t v\u1ee5 m\u1ea5t ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng x\u1ea3y ra trong th\u1eddi gian qua.<\/strong><\/h5>\n

G\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 s\u1ef1 tranh c\u00e3i v\u1ec1 tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c x\u1ea3y ra chuy\u1ec7n m\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 c\u00f3 l\u1ed7i c\u1ee7a m\u1ed9t b\u00ean. \u0110\u00f3 l\u00e0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ho\u00e0n to\u00e0n do l\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng, nh\u01b0 l\u00e0m m\u1ea5t th\u1ebb ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi \u0111\u1ec3 l\u1ed9 m\u1eadt kh\u1ea9u, d\u1eabn \u0111\u1ebfn b\u1ecb k\u1ebb gian r\u00fat m\u1ea5t ti\u1ec1n. Ho\u1eb7c l\u00e0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ho\u00e0n to\u00e0n do l\u1ed7i c\u1ee7a ng\u00e2n h\u00e0ng, nh\u01b0 t\u1ed9i ph\u1ea1m gian l\u1eadn l\u1ec7nh hay gi\u1ea5y t\u1edd r\u00fat ti\u1ec1n. C\u00f2n tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n hay \u1ee7y quy\u1ec1n h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7 cho ng\u01b0\u1eddi kh\u00e1c r\u00fat ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng, th\u00ec kh\u00f4ng th\u1ec3 g\u1ecdi l\u00e0 b\u1ecb m\u1ea5t ti\u1ec1n, v\u00ec ho\u00e0n to\u00e0n do kh\u00e1ch h\u00e0ng t\u1ef1 \u0111\u1ecbnh \u0111o\u1ea1t ti\u1ec1n g\u1eedi.<\/p>\n

V\u1ea5n \u0111\u1ec1 g\u00e2y tranh c\u00e3i l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1ea5t ti\u1ec1n g\u1eedi do l\u1ed7i h\u1ed7n h\u1ee3p c\u1ee7a c\u1ea3 hai b\u00ean ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

Quy \u0111\u1ecbnh v\u1ec1 an to\u00e0n ti\u1ec1n g\u1eedi<\/strong><\/h5>\n

Ng\u01b0\u1eddi r\u00fat ti\u1ec1n g\u1eedi ph\u1ea3i b\u1ea3o \u0111\u1ea3m s\u1ef1 kh\u1edbp \u0111\u00fang v\u1ec1 th\u1ebb ti\u1ebft ki\u1ec7m, ch\u1ee9ng minh nh\u00e2n d\u00e2n, ch\u1eef k\u00fd. V\u00ec v\u1eady, d\u00f9 ai \u0111\u00f3 c\u00f3 c\u1ea7m t\u1ea5t c\u1ea3 c\u00e1c gi\u1ea5y t\u1edd c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 k\u00fd nh\u01b0 m\u1eabu th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 r\u00fat \u0111\u01b0\u1ee3c ti\u1ec1n, n\u1ebfu nh\u01b0 kh\u00f4ng c\u00f3 m\u1eb7t ch\u1ee7 th\u1ebb ti\u1ebft ki\u1ec7m. N\u1ebfu ch\u1ee7 th\u1ebb v\u1eafng m\u1eb7t th\u00ec bu\u1ed9c ph\u1ea3i c\u00f3 gi\u1ea5y \u1ee7y quy\u1ec1n h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7.<\/p>\n

C\u00f3 th\u1ec3 ph\u00e2n th\u00e0nh ba lo\u1ea1i ch\u00ednh v\u1ec1 \u1ee7y quy\u1ec1n h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7. Th\u1ee9 nh\u1ea5t l\u00e0 c\u00f3 v\u0103n b\u1ea3n \u1ee7y quy\u1ec1n c\u00f3 c\u00f4ng ch\u1ee9ng ho\u1eb7c ch\u1ee9ng th\u1ef1c h\u1ee3p ph\u00e1p, \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh \u0111\u00fang l\u00e0 ch\u1eef k\u00fd c\u1ee7a kh\u00e1ch h\u00e0ng. Th\u1ee9 hai l\u00e0 c\u00f3 v\u0103n b\u1ea3n x\u00e1c nh\u1eadn ch\u1eef k\u00fd h\u1ee3p l\u1ec7 c\u1ee7a c\u1ea3 ng\u01b0\u1eddi \u1ee7y quy\u1ec1n v\u00e0 ng\u01b0\u1eddi nh\u1eadn \u1ee7y quy\u1ec1n k\u00fd tr\u01b0\u1edbc m\u1eb7t nh\u00e2n vi\u00ean c\u00f3 th\u1ea9m quy\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng. Th\u1ee9 ba l\u00e0 kh\u00f4ng b\u1eb1ng v\u0103n b\u1ea3n, m\u00e0 ng\u01b0\u1eddi \u1ee7y quy\u1ec1n ch\u1ec9 c\u1ea7n \u0111\u01b0a th\u1ebb ng\u00e2n h\u00e0ng, m\u1eadt kh\u1ea9u v\u00e0 c\u00f3 th\u1ec3 l\u00e0 c\u1ea3 \u0111i\u1ec7n tho\u1ea1i (t\u00f9y theo y\u00eau c\u1ea7u c\u1ee7a t\u1eebng lo\u1ea1i giao d\u1ecbch) cho ng\u01b0\u1eddi kh\u00e1c \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch \u0111i\u1ec7n t\u1eed (kh\u00f4ng c\u1ea7n c\u00f3 s\u1ef1 can thi\u1ec7p c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng).<\/p>\n

<\/h6>\n

Tr\u01b0\u1eddng h\u1ee3p chi tr\u1ea3 ti\u1ec1n theo gi\u1ea5y \u1ee7y quy\u1ec1n, ng\u00e2n h\u00e0ng c\u00f2n ph\u1ea3i b\u1ea3o \u0111\u1ea3m x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ch\u1eafc ch\u1eafn ng\u01b0\u1eddi r\u00fat ti\u1ec1n th\u00f4ng qua ch\u1eef k\u00fd tr\u00ean c\u00e1c gi\u1ea5y t\u1edd v\u00e0 ch\u1ee9ng minh nh\u00e2n d\u00e2n c\u1ee7a h\u1ecd, ch\u1ee9 kh\u00f4ng th\u1ec3 c\u00f3 chuy\u1ec7n l\u00e0 ch\u1eb3ng bi\u1ebft ai r\u00fat ti\u1ec1n nh\u01b0 m\u1ed9t s\u1ed1 v\u1ee5 vi\u1ec7c \u0111\u00e3 x\u1ea3y ra.<\/p>\n

\u0110i\u1ec1u 10, Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng c\u00f3 tr\u00e1ch nhi\u1ec7m \u201cb\u1ea3o \u0111\u1ea3m thanh to\u00e1n \u0111\u1ee7, \u0111\u00fang h\u1ea1n g\u1ed1c v\u00e0 l\u00e3i c\u1ee7a c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi\u201d.<\/p>\n

Trong ch\u00edn ngh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n thanh to\u00e1n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0111i\u1ec1u 5, Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN c\u0169ng nh\u01b0 c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt kh\u00e1c, kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng trong vi\u1ec7c ki\u1ec3m tra th\u00f4ng tin t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi.<\/p>\n

M\u1ed9t trong b\u1ed1n tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m theo \u0111i\u1ec1u 25, \u201cQuy ch\u1ebf v\u1ec1 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m\u201d ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN l\u00e0 th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi vi\u1ec7c m\u1ea5t th\u1ebb ti\u1ebft ki\u1ec7m, \u201c\u0111\u1ec3 tr\u00e1nh b\u1ecb l\u1ee3i d\u1ee5ng l\u00e0m t\u1ed5n th\u1ea5t t\u00e0i s\u1ea3n\u201d.<\/p>\n

<\/h6>\n

Vi\u1ec7c m\u1ea5t th\u1ebb xe hay m\u1ea5t th\u1ebb ATM, n\u1ebfu kh\u00f4ng tr\u00ecnh b\u00e1o k\u1ecbp th\u1eddi th\u00ec c\u00f3 th\u1ec3 b\u1ecb m\u1ea5t xe hay m\u1ea5t ti\u1ec1n m\u00e0 kh\u00f4ng b\u1eaft \u0111\u1ec1n \u0111\u01b0\u1ee3c ng\u01b0\u1eddi gi\u1eef xe hay ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, vi\u1ec7c m\u1ea5t th\u1ebb ti\u1ebft ki\u1ec7m, d\u00f9 kh\u00f4ng th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi, th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 m\u1ea5t ti\u1ec1n, n\u1ebfu nh\u01b0 ng\u00e2n h\u00e0ng l\u00e0m \u0111\u00fang c\u00e1c nguy\u00ean t\u1eafc \u0111\u00e3 n\u00eau. Th\u1eadm ch\u00ed, ngay c\u1ea3 v\u1edbi quy \u0111\u1ecbnh kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m ph\u1ea3i \u201cch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do kh\u00f4ng khai b\u00e1o k\u1ecbp th\u1eddi vi\u1ec7c m\u1ea5t th\u1ebb ti\u1ebft ki\u1ec7m\u201d theo quy ch\u1ebf n\u00f3i tr\u00ean, c\u0169ng s\u1ebd l\u00e0 th\u1eeba, n\u1ebfu ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh, quy tr\u00ecnh.<\/p>\n

\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0, n\u1ebfu kh\u00e1ch h\u00e0ng c\u00f3 d\u00f9ng m\u1ecdi c\u00e1ch th\u1ee9c \u0111\u1ec3 ki\u1ec3m tra t\u00e0i kho\u1ea3n th\u00ec c\u0169ng kh\u00f4ng c\u00f3 t\u00e1c d\u1ee5ng g\u00ec trong vi\u1ec7c b\u1ea3o \u0111\u1ea3m an to\u00e0n ti\u1ec1n g\u1eedi, m\u00e0 ch\u1ec9 \u0111\u1ec3 nhanh ch\u00f3ng ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd h\u1eadu qu\u1ea3 \u0111\u00e3 x\u1ea3y ra.<\/p>\n

Tr\u00e1ch nhi\u1ec7m \u0111\u00f4i b\u00ean<\/strong><\/h5>\n

Kh\u00e1ch h\u00e0ng tin t\u01b0\u1edfng khi giao d\u1ecbch v\u1edbi ng\u00e2n h\u00e0ng, th\u00ec c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c tin v\u00e0o nh\u1eefng nh\u00e2n vi\u00ean thay m\u1eb7t cho ng\u00e2n h\u00e0ng. Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n c\u00f3 th\u1ec3 m\u00f9 ch\u1eef hay r\u1ea5t l\u1edb ng\u1edb, n\u00ean ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 nh\u1ea7m l\u1eabn, nh\u01b0 k\u00fd gi\u1ea5y r\u00fat ti\u1ec1n, gi\u1ea5y \u1ee7y quy\u1ec1n… theo y\u00eau c\u1ea7u c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng. Nh\u01b0ng nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng th\u00ec ph\u1ea3i n\u1eafm v\u1eefng v\u00e0 l\u00e0m \u0111\u00fang quy \u0111\u1ecbnh.<\/p>\n

Y\u00eau c\u1ea7u v\u1ec1 s\u1ef1 ch\u00ednh x\u00e1c v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ef1 an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 coi l\u00e0 nguy\u00ean t\u1eafc k\u00e9p quan tr\u1ecdng nh\u1ea5t, \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong nhi\u1ec1u v\u0103n b\u1ea3n.<\/p>\n

V\u00ec v\u1eady, kh\u00e1ch h\u00e0ng d\u00f9 c\u00f3 l\u1ed7i sai \u0111\u1ebfn \u0111\u00e2u, n\u1ebfu ng\u00e2n h\u00e0ng l\u00e0m \u0111\u00fang nguy\u00ean t\u1eafc, quy \u0111\u1ecbnh, quy tr\u00ecnh th\u00ec c\u0169ng kh\u00f4ng m\u1ea5t \u0111\u01b0\u1ee3c ti\u1ec1n g\u1eedi. Do \u0111\u00f3, trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 l\u1ed7i h\u1ed7n h\u1ee3p c\u1ee7a hai b\u00ean, th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu \u00edt nh\u1ea5t 90% tr\u00e1ch nhi\u1ec7m. N\u1ebfu nh\u01b0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng l\u1ea1i c\u00f2n tham \u00f4, l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n g\u1eedi, th\u00ec g\u1ea7n nh\u01b0 100% l\u1ed7i m\u1ea5t ti\u1ec1n ph\u1ea3i l\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

C\u00e1i ch\u1ed1t an to\u00e0n ti\u1ec1n g\u1eedi n\u1eb1m trong tay ng\u00e2n h\u00e0ng. Kh\u00e1ch h\u00e0ng b\u1ecb m\u1ea5t ti\u1ec1n oan l\u00e0 v\u00ec ng\u00e2n h\u00e0ng \u0111\u00e3 kh\u00f4ng h\u00e0nh x\u1eed \u0111\u00fang ph\u00e1p lu\u1eadt v\u00e0 b\u1ea3o \u0111\u1ea3m an to\u00e0n ti\u1ec1n g\u1eedi tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

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

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

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

\u00a0—————-<\/strong><\/p>\n

B\u00e0i g\u1ed1c<\/em><\/strong><\/p>\n

Ch\u1ed1t an to\u00e0n ti\u1ec1n g\u1eedi n\u1eb1m \u1edf ng\u00e2n h\u00e0ng.<\/strong><\/h4>\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<\/p>\n

 <\/p>\n

D\u01b0 lu\u1eadn v\u00f4 c\u00f9ng b\u0103n kho\u0103n, lo l\u1eafng \u0111\u1ed1i v\u1edbi c\u00e1ch gi\u1ea3i quy\u1ebft th\u1ef1c t\u1ebf c\u0169ng nh\u01b0 vi\u1ec7c tranh c\u00e3i v\u1ec1 l\u1ed7i v\u00e0 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng tr\u01b0\u1edbc m\u1ed9t lo\u1ea1t v\u1ee5 m\u1ea5t ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng x\u1ea3y ra trong th\u1eddi gian qua.<\/em><\/p>\n

C\u00f3 l\u1ed7i h\u1ed7n h\u1ee3p<\/strong><\/h5>\n

G\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 s\u1ef1 tranh c\u00e3i v\u1ec1 tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c x\u1ea3y ra m\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 c\u00f3 l\u1ed7i c\u1ee7a m\u1ed9t b\u00ean. \u0110\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ho\u00e0n to\u00e0n do l\u1ed7i c\u1ee7a kh\u00e1ch h\u00e0ng, nh\u01b0 l\u00e0m m\u1ea5t th\u1ebb ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi \u0111\u1ec3 l\u1ed9 m\u1eadt kh\u1ea9u, d\u1eabn \u0111\u1ebfn b\u1ecb k\u1ebb gian r\u00fat m\u1ea5t ti\u1ec1n. Ho\u1eb7c l\u00e0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ho\u00e0n to\u00e0n do l\u1ed7i c\u1ee7a ng\u00e2n h\u00e0ng, nh\u01b0 t\u1ed9i ph\u1ea1m gian l\u1eadn l\u1ec7nh hay gi\u1ea5y t\u1edd r\u00fat ti\u1ec1n.<\/p>\n

C\u00f2n tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n hay u\u1ef7 quy\u1ec1n h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7 cho ng\u01b0\u1eddi kh\u00e1c r\u00fat ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng, th\u00ec kh\u00f4ng th\u1ec3 g\u1ecdi l\u00e0 b\u1ecb m\u1ea5t ti\u1ec1n, v\u00ec ho\u00e0n to\u00e0n do kh\u00e1ch h\u00e0ng t\u1ef1 \u0111\u1ecbnh \u0111o\u1ea1t ti\u1ec1n g\u1eedi.<\/p>\n

V\u1ea5n \u0111\u1ec1 g\u00e2y tranh c\u00e3i l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1ea5t ti\u1ec1n g\u1eedi do l\u1ed7i h\u1ed7n h\u1ee3p c\u1ee7a c\u1ea3 hai b\u00ean ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

\u0110\u1eb7c bi\u1ec7t d\u00f9 l\u00e0 vi\u1ec7c g\u1eedi ti\u1ec1n (ng\u00e2n h\u00e0ng vay v\u1ed1n) hay vi\u1ec7c g\u1eedi \u0111\u1ed3 (ng\u00e2n h\u00e0ng nh\u1eadn gi\u1eef t\u00e0i s\u1ea3n) c\u0169ng \u0111\u1ec1u kh\u00e1c xa vi\u1ec7c g\u1eedi gi\u1eef t\u00e0i s\u1ea3n \u1edf b\u00ean ngo\u00e0i. M\u1ed9t ng\u01b0\u1eddi mang chi\u1ebfc xe m\u00e1y \u0111i g\u1eedi, th\u00ec c\u1ee9 ai c\u1ea7m th\u1ebb xe ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 quy\u1ec1n l\u1ea5y xe. V\u00ec v\u1eady, ng\u01b0\u1eddi m\u1ea5t th\u1ebb xe th\u00ec c\u00f3 th\u1ec3 b\u1ecb m\u1ea5t xe m\u00e0 kh\u00f4ng ki\u1ec7n c\u00e1o \u0111\u01b0\u1ee3c ng\u01b0\u1eddi tr\u00f4ng gi\u1eef xe.\u00a0Tuy nhi\u00ean, kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc \u0111\u01a1n gi\u1ea3n n\u00e0y v\u00e0o giao d\u1ecbch ng\u00e2n h\u00e0ng. \u0110\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng, th\u00ec v\u1ee3 c\u0169ng kh\u00f4ng th\u1ec3 r\u00fat \u0111\u01b0\u1ee3c ti\u1ec1n c\u1ee7a ch\u1ed3ng, cha c\u0169ng kh\u00f4ng bao gi\u1edd l\u1ea5y \u0111\u01b0\u1ee3c ti\u1ec1n c\u1ee7a con, n\u1ebfu ch\u1ec9 c\u00f3 trong tay t\u1ea5m th\u1ebb ti\u1ebft ki\u1ec7m.<\/p>\n

An to\u00e0n ti\u1ec1n g\u1eedi<\/strong><\/h5>\n

Ng\u01b0\u1eddi r\u00fat ti\u1ec1n g\u1eedi ph\u1ea3i b\u1ea3o \u0111\u1ea3m s\u1ef1 kh\u1edbp \u0111\u00fang v\u1ec1 th\u1ebb ti\u1ebft ki\u1ec7m, ch\u1ee9ng minh d\u00e2n d\u00e2n, ch\u1eef k\u00fd. V\u00ec v\u1eady, d\u00f9 ai \u0111\u00f3 c\u00f3 c\u1ea7m t\u1ea5t c\u1ea3 c\u00e1c gi\u1ea5y t\u1edd c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 k\u00fd nh\u01b0 m\u1eabu th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 r\u00fat \u0111\u01b0\u1ee3c ti\u1ec1n, n\u1ebfu nh\u01b0 kh\u00f4ng c\u00f3 m\u1eb7t ch\u1ee7 th\u1ebb ti\u1ebft ki\u1ec7m. N\u1ebfu ch\u1ee7 th\u1ebb v\u1eafng m\u1eb7t, th\u00ec bu\u1ed9c ph\u1ea3i c\u00f3\u00a0gi\u1ea5y u\u1ef7 quy\u1ec1n h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7, ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u1ee9 c\u00f3 gi\u1ea5y u\u1ef7 quy\u1ec1n l\u00e0 ng\u00e2n h\u00e0ng cho r\u00fat ti\u1ec1n.<\/p>\n

C\u00f3 th\u1ec3 ph\u00e2n th\u00e0nh ba lo\u1ea1i ch\u00ednh v\u1ec1 u\u1ef7 quy\u1ec1n h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7 nh\u01b0 sau: Th\u1ee9 nh\u1ea5t, l\u00e0 c\u00f3 v\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n c\u00f3 c\u00f4ng ch\u1ee9ng ho\u1eb7c ch\u1ee9ng th\u1ef1c h\u1ee3p ph\u00e1p, \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh \u0111\u00fang l\u00e0 ch\u1eef k\u00fd c\u1ee7a kh\u00e1ch h\u00e0ng. Th\u1ee9 hai, l\u00e0 c\u00f3 v\u0103n b\u1ea3n x\u00e1c nh\u1eadn ch\u1eef k\u00fd h\u1ee3p l\u1ec7 c\u1ee7a c\u1ea3 ng\u01b0\u1eddi u\u1ef7 quy\u1ec1n v\u00e0 nh\u1eadn u\u1ef7 quy\u1ec1n k\u00fd tr\u01b0\u1edbc m\u1eb7t nh\u00e2n vi\u00ean c\u00f3 th\u1ea9m quy\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng. Th\u1ee9 ba, l\u00e0 kh\u00f4ng b\u1eb1ng v\u0103n b\u1ea3n, m\u00e0 ng\u01b0\u1eddi u\u1ef7 quy\u1ec1n ch\u1ec9 c\u1ea7n \u0111\u01b0a th\u1ebb ng\u00e2n h\u00e0ng, m\u1eadt kh\u1ea9u v\u00e0 c\u00f3 th\u1ec3 l\u00e0 c\u1ea3 \u0111i\u1ec7n tho\u1ea1i (tu\u1ef3 theo y\u00eau c\u1ea7u c\u1ee7a t\u1eebng lo\u1ea1i giao d\u1ecbch) cho ng\u01b0\u1eddi kh\u00e1c \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch \u0111i\u1ec7n t\u1eed (kh\u00f4ng c\u1ea7n c\u00f3 s\u1ef1 can thi\u1ec7p c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng).<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p chi tr\u1ea3 ti\u1ec1n theo gi\u1ea5y u\u1ef7 quy\u1ec1n, ng\u00e2n h\u00e0ng c\u00f2n ph\u1ea3i b\u1ea3o \u0111\u1ea3m x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ch\u1eafc ch\u1eafn ng\u01b0\u1eddi r\u00fat ti\u1ec1n th\u00f4ng qua ch\u1eef k\u00fd tr\u00ean c\u00e1c gi\u1ea5y t\u1edd v\u00e0 ch\u1ee9ng minh nh\u00e2n d\u00e2n c\u1ee7a h\u1ecd, ch\u1ee9 kh\u00f4ng th\u1ec3 c\u00f3 chuy\u1ec7n l\u00e0 ch\u1eb3ng bi\u1ebft ai r\u00fat ti\u1ec1n nh\u01b0 m\u1ed9t s\u1ed1 v\u1ee5 vi\u1ec7c \u0111\u00e3 x\u1ea3y ra.<\/p>\n

Ki\u1ec3m tra t\u00e0i kho\u1ea3n<\/strong><\/h5>\n

Ph\u00e1p lu\u1eadt c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m an to\u00e0n ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng. C\u1ee5 th\u1ec3 h\u01a1n, \u0110i\u1ec1u 10, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 quy \u0111\u1ecbnh, ng\u00e2n h\u00e0ng c\u00f3 tr\u00e1ch nhi\u1ec7m \u201cb\u1ea3o \u0111\u1ea3m thanh to\u00e1n \u0111\u1ee7, \u0111\u00fang h\u1ea1n g\u1ed1c v\u00e0 l\u00e3i c\u1ee7a c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi\u201d.<\/span><\/p>\n

Trong 9 ngh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n thanh to\u00e1n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 5, Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN c\u0169ng nh\u01b0 c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt kh\u00e1c, kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng trong vi\u1ec7c ki\u1ec3m tra th\u00f4ng tin t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi.<\/p>\n

M\u1ed9t trong s\u1ed1 4 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1edfi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m theo \u0110i\u1ec1u 25, \u201cQuy ch\u1ebf v\u1ec1 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m\u201d ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN l\u00e0 th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi vi\u1ec7c m\u1ea5t th\u1ebb ti\u1ebft ki\u1ec7m, \u201c\u0111\u1ec3 tr\u00e1nh b\u1ecb l\u1ee3i d\u1ee5ng l\u00e0m t\u1ed5n th\u1ea5t t\u00e0i s\u1ea3n\u201d.<\/p>\n

<\/h6>\n

Vi\u1ec7c m\u1ea5t th\u1ebb xe hay m\u1ea5t th\u1ebb ATM, n\u1ebfu kh\u00f4ng tr\u00ecnh b\u00e1o k\u1ecbp th\u1eddi th\u00ec c\u00f3 th\u1ec3 b\u1ecb m\u1ea5t xe hay m\u1ea5t ti\u1ec1n m\u00e0 kh\u00f4ng b\u1eaft \u0111\u1ec1n \u0111\u01b0\u1ee3c ng\u01b0\u1eddi gi\u1eef xe hay ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, vi\u1ec7c m\u1ea5t th\u1ebb ti\u1ebft ki\u1ec7m, d\u00f9 kh\u00f4ng th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi, th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 m\u1ea5t ti\u1ec1n, n\u1ebfu nh\u01b0 ng\u00e2n h\u00e0ng l\u00e0m \u0111\u00fang c\u00e1c nguy\u00ean t\u1eafc nh\u01b0 \u0111\u00e3 n\u00eau tr\u00ean. Th\u1eadm ch\u00ed, ngay c\u1ea3 quy \u0111\u1ecbnh, kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m ph\u1ea3i \u201cch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do kh\u00f4ng khai b\u00e1o k\u1ecbp th\u1eddi vi\u1ec7c m\u1ea5t th\u1ebb ti\u1ebft ki\u1ec7m\u201d theo Quy ch\u1ebf v\u1ec1 ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, c\u0169ng s\u1ebd l\u00e0 th\u1eeba, n\u1ebfu ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh, quy tr\u00ecnh.<\/p>\n

\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0, n\u1ebfu kh\u00e1ch h\u00e0ng c\u00f3 d\u00f9ng m\u1ecdi c\u00e1ch th\u1ee9c \u0111\u1ec3 ki\u1ec3m tra t\u00e0i kho\u1ea3n th\u00ec c\u0169ng kh\u00f4ng c\u00f3 t\u00e1c d\u1ee5ng g\u00ec trong vi\u1ec7c b\u1ea3o \u0111\u1ea3m an to\u00e0n ti\u1ec1n g\u1eedi, m\u00e0 ch\u1ec9 \u0111\u1ec3 nhanh ch\u00f3ng ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd h\u1eadu qu\u1ea3 \u0111\u00e3 x\u1ea3y ra.<\/p>\n

Tr\u00e1ch nhi\u1ec7m \u0111\u00f4i b\u00ean<\/strong><\/h5>\n

Kh\u00e1ch h\u00e0ng tin t\u01b0\u1edfng khi giao d\u1ecbch v\u1edbi ng\u00e2n h\u00e0ng, th\u00ec c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c tin v\u00e0o nh\u1eefng nh\u00e2n vi\u00ean thay m\u1eb7t cho ng\u00e2n h\u00e0ng. Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n c\u00f3 th\u1ec3 m\u00f9 ch\u1eef hay r\u1ea5t l\u1edb ng\u1edb, n\u00ean ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 nh\u1ea7m l\u1eabn, sai tr\u00e1i nh\u01b0 k\u00fd gi\u1ea5y r\u00fat ti\u1ec1n, gi\u1ea5y u\u1ef7 quy\u1ec1n,… theo y\u00eau c\u1ea7u c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng. Nh\u01b0ng nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng th\u00ec ph\u1ea3i n\u1eafm v\u1eefng v\u00e0 l\u00e0m \u0111\u00fang quy \u0111\u1ecbnh.<\/p>\n

Y\u00eau c\u1ea7u v\u1ec1 s\u1ef1 ch\u00ednh x\u00e1c v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ef1 an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, c\u00f3 th\u1ec3 coi l\u00e0 nguy\u00ean t\u1eafc k\u00e9p quan tr\u1ecdng nh\u1ea5t, \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong nhi\u1ec1u v\u0103n b\u1ea3n, trong \u0111\u00f3 c\u00f3 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN n\u00eau tr\u00ean. Ch\u1ec9 ri\u00eang Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 \u0111\u00e3 nh\u1eafc \u0111\u1ebfn 11 l\u1ea7n t\u1eeb \u201cch\u00ednh x\u00e1c\u201d v\u00e0 54 l\u1ea7n t\u1eeb “an to\u00e0n”.<\/p>\n

Y\u00eau c\u1ea7u v\u1ec1 m\u1ee9c \u0111\u1ed9 an to\u00e0n ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng r\u1ea5t cao. V\u00ec v\u1eady, kh\u00e1ch h\u00e0ng d\u00f9 c\u00f3 l\u1ed7i sai tr\u00e1i \u0111\u1ebfn \u0111\u00e2u, n\u1ebfu ng\u00e2n h\u00e0ng l\u00e0m \u0111\u00fang nguy\u00ean t\u1eafc, quy \u0111\u1ecbnh, quy tr\u00ecnh th\u00ec c\u0169ng kh\u00f4ng m\u1ea5t \u0111\u01b0\u1ee3c ti\u1ec1n g\u1eedi. Do \u0111\u00f3, trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 l\u1ed7i h\u1ed7n h\u1ee3p c\u1ee7a hai b\u00ean, th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu \u00edt nh\u1ea5t 90% tr\u00e1ch nhi\u1ec7m. N\u1ebfu nh\u01b0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng l\u1ea1i c\u00f2n tham \u00f4, l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n g\u1eedi, th\u00ec g\u1ea7n nh\u01b0 100% l\u1ed7i m\u1ea5t ti\u1ec1n ph\u1ea3i l\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

C\u00e1i ch\u1ed1t an to\u00e0n ti\u1ec1n g\u1eedi n\u1eb1m trong tay ng\u00e2n h\u00e0ng. Kh\u00e1ch h\u00e0ng b\u1ecb m\u1ea5t ti\u1ec1n oan l\u00e0 v\u00ec ng\u00e2n h\u00e0ng \u0111\u00e3 kh\u00f4ng h\u00e0nh x\u1eed \u0111\u00fang ph\u00e1p lu\u1eadt v\u00e0 b\u1ea3o \u0111\u1ea3m an to\u00e0n ti\u1ec1n g\u1eedi tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n (Ng\u00e2n h\u00e0ng) ng\u00e0y 17-5-2018:<\/em><\/strong><\/h5>\n

http:\/\/www.thesaigontimes.vn\/272665\/chot-an-toan-tien-gui-nam-o-ngan-hang.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

Ch\u1ed1t an to\u00e0n ti\u1ec1n g\u1eedi n\u1eb1m \u1edf ng\u00e2n h\u00e0ng (KTSG) – D\u01b0 lu\u1eadn v\u00f4 c\u00f9ng b\u0103n kho\u0103n, lo l\u1eafng \u0111\u1ed1i v\u1edbi c\u00e1ch gi\u1ea3i quy\u1ebft th\u1ef1c t\u1ebf c\u0169ng nh\u01b0 vi\u1ec7c tranh c\u00e3i v\u1ec1 l\u1ed7i v\u00e0 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng tr\u01b0\u1edbc m\u1ed9t lo\u1ea1t v\u1ee5 m\u1ea5t ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng x\u1ea3y ra trong th\u1eddi gian qua. G\u1ea7n […]<\/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-4524","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":"\n234. 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