{"id":4676,"date":"2001-01-03T12:55:02","date_gmt":"2001-01-03T05:55:02","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4676"},"modified":"2024-11-14T16:00:35","modified_gmt":"2024-11-14T09:00:35","slug":"59-viec-ap-dung-luat-tdtd-va-luat-doanh-nghiep-doi-voi-ngan-hang-tmcp","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/59-viec-ap-dung-luat-tdtd-va-luat-doanh-nghiep-doi-voi-ngan-hang-tmcp\/","title":{"rendered":"59. Vi\u1ec7c \u00e1p d\u1ee5ng Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 lu\u1eadt Doanh nghi\u1ec7p \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng TMCP"},"content":{"rendered":"

Vi\u1ec7c \u00e1p d\u1ee5ng Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 lu\u1eadt Doanh nghi\u1ec7p \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng TMCP<\/span><\/h4>\n
(TCNH) – Hi\u1ec7n nay, Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n (TMCP) c\u1ee7a Vi\u1ec7t Nam c\u00f3 \u0111\u1ecba v\u1ecb ph\u00e1p l\u00fd nh\u01b0 m\u1ed9t c\u00f4ng ty c\u1ed5 ph\u1ea7n nh\u01b0ng l\u1ea1i \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed3ng th\u1eddi theo hai \u0111\u1ea1o lu\u1eadt: Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) s\u1ed1 07\/1999\/QH10 ng\u00e0y 12-12-1997 v\u00e0 Lu\u1eadt Doanh nghi\u1ec7p s\u1ed1 13\/1999\/QH10 ng\u00e0y 12-6-1999.<\/h5>\n

Tr\u01b0\u1edbc ng\u00e0y 1-1-2000, th\u00ec h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3 g\u00ec m\u00e2u thu\u1eabn v\u1ec1 v\u1ea5n \u0111\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng gi\u1eefa Ng\u00e2n h\u00e0ng TMCP v\u00e0 c\u00f4ng ty c\u1ed5 ph\u1ea7n. Nh\u01b0ng k\u1ec3 t\u1eeb sau khi Lu\u1eadt Doanh nghi\u1ec7p c\u00f3 hi\u1ec7u l\u1ef1c, th\u00ec v\u1ea5n \u0111\u1ec1 \u0111\u00e3 tr\u1edf l\u00ean v\u00f4 c\u00f9ng ph\u1ee9c t\u1ea1p do xu\u1ea5t hi\u1ec7n nhi\u1ec1u xung \u0111\u1ed9t ph\u00e1p lu\u1eadt. Trong khi Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh kh\u00e1 s\u01a1 s\u00e0i v\u1ec1 b\u1ed9 m\u00e1y t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng TMCP, th\u00ec Lu\u1eadt Doanh nghi\u1ec7p v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 03\/2000\/N\u0110-CP ng\u00e0y 2-3-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Lu\u1eadt Doanh nghi\u1ec7p l\u1ea1i \u1ea5n \u0111\u1ecbnh r\u1ea5t \u0111\u1ea7y \u0111\u1ee7 v\u00e0 c\u1ee5 th\u1ec3 v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty c\u1ed5 ph\u1ea7n.<\/p>\n

\u0110i\u1ec1u 2 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p quy \u0111\u1ecbnh: \u201cVi\u1ec7c th\u00e0nh l\u1eadp, t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt n\u00e0y v\u00e0 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan. <\/em><\/p>\n

Tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 kh\u00e1c nhau gi\u1eefa quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt n\u00e0y v\u00e0 quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt chuy\u00ean ng\u00e0nh v\u1ec1 c\u00f9ng m\u1ed9t v\u1ea5n \u0111\u1ec1, th\u00ec \u00e1p d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt<\/strong> chuy\u00ean ng\u00e0nh<\/em>\u201d.<\/p>\n

Nh\u01b0ng hi\u1ec7n nay, l\u1ea1i c\u00f3 qu\u00e1 nhi\u1ec1u \u0111i\u1ec3m kh\u00e1c nhau v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n so v\u1edbi c\u00f4ng ty c\u1ed5 ph\u1ea7n, m\u00e0 Lu\u1eadt C\u00e1c TCTD ch\u01b0a \u0111\u1ec1 c\u1eadp \u0111\u1ebfn \u0111\u01b0\u1ee3c, n\u00ean \u0111ang ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh b\u1eb1ng c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt nh\u01b0 ph\u00e1p l\u1ec7nh c\u1ee7a U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i, ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN,… V\u1eady, v\u1edbi c\u00f9ng m\u1ed9t v\u1ea5n \u0111\u1ec1 n\u1ea3y sinh, th\u00ec ph\u1ea3i th\u1ef1c hi\u1ec7n theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p hay c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 Th\u1ed1ng \u0111\u1ed1c NHNN?<\/p>\n

D\u00f9 l\u00e0 m\u1ed9t lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p \u0111\u1eb7c bi\u1ec7t, l\u00e0 m\u1ed9t c\u00f4ng ty c\u1ed5 ph\u1ea7n \u0111\u1eb7c bi\u1ec7t, th\u00ec vi\u1ec7c th\u00e0nh l\u1eadp, t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ng\u00e2n h\u00e0ng TMCP v\u1eabn ph\u1ea3i tu\u00e2n theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p. Ch\u1ec9 nh\u1eefng nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 c\u00f9ng m\u1ed9t v\u1ea5n \u0111\u1ec1 c\u1ee7a Lu\u1eadt C\u00e1c TCTD kh\u00e1c v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p, th\u00ec m\u1edbi th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c TCTD. \u0110i\u1ec1u n\u00e0y c\u0169ng c\u00f3 ngh\u0129a l\u00e0, n\u1ebfu c\u00e1c v\u0103n b\u1ea3n v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh c\u00f3 quy \u0111\u1ecbnh kh\u00e1c v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p, th\u00ec v\u1eabn ph\u1ea3i \u00e1p d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p, ch\u1ee9 kh\u00f4ng theo c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi Lu\u1eadt C\u00e1c TCTD.<\/p>\n

T\u00f3m l\u1ea1i, c\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u00e0 Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh v\u1ec1 Ng\u00e2n h\u00e0ng TMCP kh\u00e1c v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p, th\u00ec \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c TCTD, nh\u01b0:<\/p>\n

– Vi\u1ec7c c\u1ea5p gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng;<\/p>\n

– M\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh, v\u1ed1n \u0111i\u1ec1u l\u1ec7;<\/p>\n

– Vi\u1ec7c m\u1edf v\u00e0 thay \u0111\u1ed5i s\u1edf giao d\u1ecbch, chi nh\u00e1nh, v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n;…<\/p>\n

– Vi\u1ec7c ch\u1ea5p nh\u1eadn khi thay \u0111\u1ed5i: T\u00ean g\u1ecdi; t\u1ef7 l\u1ec7 c\u1ed5 ph\u1ea7n c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn; th\u00e0nh vi\u00ean H\u0110QT, Ban ki\u1ec3m so\u00e1t v\u00e0 T\u1ed5ng gi\u00e1m \u0111\u1ed1c;…<\/p>\n

– M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 qu\u1ea3n tr\u1ecb, ki\u1ec3m so\u00e1t, \u0111i\u1ec1u h\u00e0nh v\u00e0 ki\u1ec3m tra, ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9; v.v…<\/p>\n

\u0110\u1ed3ng th\u1eddi, c\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt Doanh nghi\u1ec7p, m\u00e0 Lu\u1eadt C\u00e1c TCTD l\u1ea1i kh\u00f4ng quy \u0111\u1ecbnh, th\u00ec v\u1ec1 nguy\u00ean t\u1eafc, c\u00e1c ng\u00e2n h\u00e0ng TMCP ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p, nh\u01b0:<\/p>\n

– C\u1ed5 \u0111\u00f4ng c\u00f3 quy\u1ec1n t\u1ef1 do chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed5 ph\u1ea7n c\u1ee7a m\u00ecnh cho ng\u01b0\u1eddi kh\u00e1c (\u0110i\u1ec1u 51), tr\u1eeb tr\u01b0\u1eddng h\u1ee3p chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu c\u00f3 ghi t\u00ean qu\u00e1 t\u1ec9 l\u1ec7 quy \u0111\u1ecbnh c\u1ee7a NHNN;<\/p>\n

– S\u1ed1 l\u01b0\u1ee3ng c\u1ed5 \u0111\u00f4ng t\u1ed1i thi\u1ec3u l\u00e0 3 v\u00e0 kh\u00f4ng kh\u1ed1ng ch\u1ebf t\u1ef7 l\u1ec7 g\u00f3p v\u1ed1n c\u1ee7a m\u1ed7i c\u1ed5 \u0111\u00f4ng (\u0110i\u1ec1u 51);<\/p>\n

– Ng\u00e2n h\u00e0ng TMCP c\u00f3 th\u1ec3 c\u00f3 c\u1ed5 ph\u1ea7n \u01b0u \u0111\u00e3i bi\u1ec3u quy\u1ebft, c\u1ed5 ph\u1ea7n \u01b0u \u0111\u00e3i c\u1ed5 t\u1ee9c, c\u1ed5 ph\u1ea7n \u01b0u \u0111\u00e3i ho\u00e0n l\u1ea1i v\u00e0 c\u1ed5 ph\u1ea7n \u01b0u \u0111\u00e3i kh\u00e1c do \u0110i\u1ec1u l\u1ec7 quy \u0111\u1ecbnh (\u0110i\u1ec1u 52). (\u0110i\u1ec1u 38, Ngh\u1ecb \u0111\u1ecbnh 49\/2000\/N\u0110-CP ng\u00e0y 12-9-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u1ea1i quy \u0111\u1ecbnh, Ng\u00e2n h\u00e0ng TMCP ch\u1ec9 c\u00f3 m\u1ed9t lo\u1ea1i c\u1ed5 ph\u1ea7n \u01b0u \u0111\u00e3i bi\u1ec3u quy\u1ebft);<\/p>\n

– C\u1ed5 phi\u1ebfu c\u00f3 th\u1ec3 l\u00e0 lo\u1ea1i c\u1ed5 phi\u1ebfu c\u00f3 ghi t\u00ean ho\u1eb7c kh\u00f4ng ghi t\u00ean (\u0110i\u1ec1u 59);<\/p>\n

– Ng\u00e2n h\u00e0ng TMCP \u0111\u01b0\u1ee3c mua l\u1ea1i c\u1ed5 ph\u1ea7n (kh\u00f4ng qu\u00e1 30% t\u1ed5ng s\u1ed1 c\u1ed5 ph\u1ea7n ph\u1ed5 th\u00f4ng \u0111\u00e3 b\u00e1n; m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 c\u1ed5 ph\u1ea7n lo\u1ea1i kh\u00e1c) theo y\u00eau c\u1ea7u c\u1ee7a c\u1ed5 \u0111\u00f4ng (\u0110i\u1ec1u 64) ho\u1eb7c theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a ch\u00ednh Ng\u00e2n h\u00e0ng (\u0110i\u1ec1u 65);<\/p>\n

– H\u0110QT l\u00e0 c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0 (\u0110i\u1ec1u 80). (\u0110i\u1ec1u 44, Ngh\u1ecb \u0111\u1ecbnh 49\/2000\/N\u0110-CP ng\u00e0y 12-9-2000 l\u1ea1i quy \u0111\u1ecbnh, \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng c\u00f3 th\u1ea9m quy\u1ec1n th\u00f4ng qua ph\u01b0\u01a1ng \u00e1n g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a doanh nghi\u1ec7p, TCTD kh\u00e1c);<\/p>\n

– Ch\u1ee7 t\u1ecbch H\u0110QT c\u00f3 th\u1ec3 ki\u00eam T\u1ed5ng gi\u00e1m \u0111\u1ed1c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0110i\u1ec1u l\u1ec7 Ng\u00e2n h\u00e0ng quy \u0111\u1ecbnh kh\u00e1c (\u0110i\u1ec1u 81) (c\u0103n c\u1ee9 v\u00e0o kho\u1ea3n 4, \u0110i\u1ec1u 37, Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh: Ch\u1ee7 t\u1ecbch H\u0110QT kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ed3ng th\u1eddi l\u00e0 T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a TCTD, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c th\u00ec quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 81 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p ch\u00ednh l\u00e0 tr\u01b0\u1eddng h\u1ee3p c\u00f3 quy \u0111\u1ecbnh kh\u00e1c c\u1ee7a ph\u00e1p lu\u1eadt);<\/p>\n

– T\u1ed5ng gi\u00e1m \u0111\u1ed1c l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a Ng\u00e2n h\u00e0ng n\u1ebfu \u0110i\u1ec1u l\u1ec7 kh\u00f4ng quy \u0111\u1ecbnh Ch\u1ee7 t\u1ecbch H\u0110QT l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n (\u0110i\u1ec1u 85);<\/p>\n

– Th\u00e0nh vi\u00ean H\u0110QT v\u00e0 Ban ki\u1ec3m so\u00e1t (tr\u1eeb Tr\u01b0\u1edfng Ban Ki\u1ec3m so\u00e1t) c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i l\u00e0 c\u1ed5 \u0111\u00f4ng (\u0110i\u1ec1u 80 v\u00e0 88); v.v…<\/p>\n

Nh\u01b0 v\u1eady, nhi\u1ec1u v\u1ea5n \u0111\u1ec1 n\u00eau tr\u00ean c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p c\u00f3 n\u1ed9i dung kh\u00e1c v\u1edbi c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng TMCP, trong \u0111\u00f3 h\u1ea7u h\u1ebft kh\u00f4ng \u0111\u01b0\u1ee3c Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh ho\u1eb7c giao giao th\u1ea9m quy\u1ec1n quy \u0111\u1ecbnh cho Ch\u00ednh ph\u1ee7 v\u00e0 Th\u1ed1ng NHNN. V\u1ea5n \u0111\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng TMCP s\u1ebd c\u00e0ng tr\u1edf l\u00ean ph\u1ee9c t\u1ea1p n\u1ebfu nh\u01b0 th\u1ef1c hi\u1ec7n m\u1ed9t trong nh\u1eefng nguy\u00ean t\u1eafc c\u1ee7a Nh\u00e0 n\u01b0\u1edbc ph\u00e1p quy\u1ec1n l\u00e0, doanh nghi\u1ec7p (trong \u0111\u00f3 c\u00f3 c\u00e1c ng\u00e2n h\u00e0ng) \u0111\u01b0\u1ee3c l\u00e0m t\u1ea5t c\u1ea3 nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m. Kh\u00f4ng th\u1ec3 \u0111\u1ec3 t\u00e1i di\u1ec5n t\u00ecnh tr\u1ea1ng, nh\u1eb1m th\u1ef1c hi\u1ec7n m\u1ed9t \u0111\u1ea1o lu\u1eadt lu\u1eadt l\u1ea1i ban h\u00e0nh c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt m\u00e2u thu\u1eabn v\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ch\u00ednh \u0111\u1ea1o lu\u1eadt \u0111\u00f3. C\u00e1ch \u0111\u00e2y ch\u01b0a l\u00e2u, ng\u00e0nh Ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u1ea3i ng\u1eebng th\u1ef1c hi\u1ec7n Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 18\/1998\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 X\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng (sau \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 20\/2000\/N\u0110-CP ng\u00e0y 15-6-2000), v\u00ec tr\u00e1i v\u1edbi Ph\u00e1p l\u1ec7nh X\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh<\/p>\n

\u0110\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng duy tr\u00ec v\u00e0 ban h\u00e0nh c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ng\u00e2n h\u00e0ng TMCP kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p v\u00e0 vi ph\u1ea1m nguy\u00ean t\u1eafc ph\u00e1p ch\u1ebf, ch\u00fang t\u00f4i xin n\u00eau ra m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng \u00e1n gi\u1ea3i quy\u1ebft nh\u01b0 sau:<\/p>\n

Ph\u01b0\u01a1ng \u00e1n th\u1ee9 nh\u1ea5t:<\/em> S\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 2 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p, trong \u0111\u00f3 quy \u0111\u1ecbnh r\u00f5: Vi\u1ec7c t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng TMCP kh\u00f4ng \u00e1p d\u1ee5ng theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p. Ho\u1eb7c quy \u0111\u1ecbnh, vi\u1ec7c t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p chuy\u00ean ng\u00e0nh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt v\u00e0 ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh; tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh th\u00ec th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p. Vi\u1ec7c n\u00e0y kh\u00f4ng nh\u1eefng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c b\u1ebf t\u1eafc cho c\u00e1c Ng\u00e2n h\u00e0ng TMCP m\u00e0 c\u00f2n \u0111\u1ed1i v\u1edbi nhi\u1ec1u doanh nghi\u1ec7p thu\u1ed9c l\u0129nh v\u1ef1c chuy\u00ean ng\u00e0nh kh\u00e1c.N\u1ebfu n\u1ebfu \u0111i\u1ec1u n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh r\u00f5 trong m\u1ed9t \u0111\u1ea1o lu\u1eadt, th\u00ec c\u0169ng kh\u00f4ng tr\u00e1i v\u1edbi nguy\u00ean t\u1eafc ph\u00e1p ch\u1ebf, tr\u00e1i v\u1edbi Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt. V\u1ec1 th\u1ef1c ch\u1ea5t, \u0111\u00f3 c\u0169ng c\u0169ng ch\u1ec9 l\u00e0 vi\u1ec7c ti\u1ebfn th\u00eam m\u1ed9t b\u01b0\u1edbc so v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh t\u1ea1i \u0110i\u1ec1u 2 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p.<\/p>\n

Ph\u01b0\u01a1ng \u00e1n th\u1ee9 2:<\/em> S\u1eeda \u0111\u1ed5i Lu\u1eadt C\u00e1c TCTD, trong \u0111\u00f3 quy \u0111\u1ecbnh chi ti\u1ebft, c\u1ee5 th\u1ec3 v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD n\u00f3i chung v\u00e0 c\u1ee7a Ng\u00e2n h\u00e0ng TMCP n\u00f3i ri\u00eang nh\u01b0 \u0111\u00e3 quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty c\u1ed5 ph\u1ea7n trong Lu\u1eadt Doanh nghi\u1ec7p. Vi\u1ec7c n\u00e0y r\u1ea5t n\u00ean l\u00e0m v\u00e0 c\u00e0ng v\u00f4 c\u00f9ng c\u1ea7n thi\u1ebft \u0111\u1ec3 chu\u1ea9n b\u1ecb cho vi\u1ec7c h\u00ecnh th\u00e0nh m\u1ed9t b\u1ed9 lu\u1eadt doanh nghi\u1ec7p \u0111i\u1ec1u ch\u1ec9nh t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p (c\u00f4ng ty c\u1ed5 ph\u1ea7n, c\u00f4ng ty TNHH, c\u00f4ng ty h\u1ee3p danh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n, doanh nghi\u1ec7p li\u00ean doanh, doanh nghi\u1ec7p 100% v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ee7a n\u01b0\u1edbc ngo\u00e0i, doanh nghi\u1ec7p t\u1eadp th\u1ec3 doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc).<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c s\u1eeda \u0111\u1ed5i hai \u0111\u1ea1o lu\u1eadt tr\u00ean l\u00e0 r\u1ea5t kh\u00f3 kh\u0103n v\u00e0 c\u1ea7n ph\u1ea3i ch\u1edd \u0111\u1ee3i th\u1eddi gian l\u00e2u d\u00e0i, n\u00ean kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u hi\u1ec7n nay.<\/p>\n

Ph\u01b0\u01a1ng \u00e1n th\u1ee9 3:<\/em> Thay v\u00ec th\u1ef1c hi\u1ec7n theo \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh c\u1ee7a \u0111o\u1ea1n 2, \u0110i\u1ec1u 2 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p nh\u01b0 \u0111\u00e3 \u0111\u01b0\u1ee3c kh\u1eb3ng \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 6, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 03\/2000\/N\u0110-CP ng\u00e0y 2-3-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Lu\u1eadt Doanh nghi\u1ec7p, th\u00ec c\u00f3 th\u1ec3 c\u0103n c\u1ee9 v\u00e0o tinh th\u1ea7n c\u1ee7a \u0111o\u1ea1n th\u1ee9 nh\u1ea5t, \u0110i\u1ec1u 2 c\u1ee7a Lu\u1eadt n\u00e0y \u0111\u1ec3 s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 6, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 03\/2000\/N\u0110-CP ho\u1eb7c ban h\u00e0nh m\u1ed9t Ngh\u1ecb \u0111\u1ecbnh ri\u00eang \u0111\u1ec3 \u00e1p d\u1ee5ng ri\u00eang cho ng\u00e0nh Ng\u00e2n h\u00e0ng. Trong Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 c\u1ea7n quy \u0111\u1ecbnh r\u00f5, vi\u1ec7c t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ng\u00e2n h\u00e0ng TMCP \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c TCTD v\u00e0 quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u00e0 Th\u1ed1ng \u0111\u1ed1c NHNN. Trong l\u00fac ch\u01b0a th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c c\u00e1c gi\u1ea3i ph\u00e1p tri\u1ec7t \u0111\u1ec3, l\u00e2u d\u00e0i b\u1ea3o \u0111\u1ea3m ho\u00e0n h\u1ea3o v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, th\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t vi\u1ec7c l\u00e0m \u0111\u01a1n gi\u1ea3n nh\u1ea5t, d\u1ec5 d\u00e0ng nh\u1ea5t \u0111\u1ec3 kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng ho\u1eb7c l\u00e0 ph\u1ea3i duy tr\u00ec v\u00e0 ban h\u00e0nh nh\u1eefng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt tr\u00e1i v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p ho\u1eb7c l\u00e0 kh\u00f4ng qu\u1ea3n l\u00fd v\u00e0 b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c s\u1ef1 an to\u00e0n v\u00e0 \u1ed5n \u0111\u1ecbnh c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng TMCP t\u1ecfng m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf – x\u00e3 h\u1ed9i hi\u1ec7n nay.<\/p>\n

B\u01b0\u1edbc v\u00e0o Th\u1ebf k\u1ef7 21, kh\u00f4ng th\u1ec3 \u0111\u1ec3 t\u1ed3n t\u1ea1i m\u1ed9t “c\u00f4ng th\u1ee9c” ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt l\u00e0: 1 lu\u1eadt – 2 ph\u00e1p l\u1ec7nh – 4 ngh\u1ecb \u0111\u1ecbnh – 8 quy\u1ebft \u0111\u1ecbnh – 16 th\u00f4ng t\u01b0 – 32 c\u00f4ng v\u0103n,… Do \u0111\u00f3 \u0111\u00e3 t\u1ea1o ra m\u1ed9t h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n tr\u00f9ng l\u1eb7p, ch\u1ed3ng ch\u00e9o v\u00e0 c\u1ef1c k\u1ef3 ph\u1ee9c t\u1ea1p. C\u1ea7n lo\u1ea1i b\u1ecf t\u00ecnh tr\u1ea1ng, \u0111\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t \u0111\u1ea1o lu\u1eadt l\u1ea1i ph\u1ea3i ban h\u00e0nh nhi\u1ec1u v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt v\u00e0 c\u00e1c v\u0103n b\u1ea3n \u0111\u00f3 th\u01b0\u1eddng m\u00e2u thu\u1eabn, sai l\u1ec7ch, tr\u00f3i bu\u1ed9c, ph\u1ee7 nh\u1eadn v\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ch\u00ednh \u0111\u1ea1o lu\u1eadt \u0111\u00f3.<\/p>\n

 <\/p>\n

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

______<\/p>\n

B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u0103ng T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 01-2001:<\/u><\/em><\/strong>","protected":false},"excerpt":{"rendered":"

Vi\u1ec7c \u00e1p d\u1ee5ng Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 lu\u1eadt Doanh nghi\u1ec7p \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng TMCP (TCNH) – Hi\u1ec7n nay, Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n (TMCP) c\u1ee7a Vi\u1ec7t Nam c\u00f3 \u0111\u1ecba v\u1ecb ph\u00e1p l\u00fd nh\u01b0 m\u1ed9t c\u00f4ng ty c\u1ed5 ph\u1ea7n nh\u01b0ng l\u1ea1i \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed3ng th\u1eddi theo hai […]<\/p>\n","protected":false},"author":7,"featured_media":4677,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[34,36],"class_list":["post-4676","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n59. Vi\u1ec7c \u00e1p d\u1ee5ng Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 lu\u1eadt Doanh nghi\u1ec7p \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng TMCP - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Vi\u1ec7c \u00e1p d\u1ee5ng Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 lu\u1eadt Doanh nghi\u1ec7p \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng TMCP. \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed3ng th\u1eddi theo hai \u0111\u1ea1o lu\u1eadt\" \/>\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\/59-viec-ap-dung-luat-tdtd-va-luat-doanh-nghiep-doi-voi-ngan-hang-tmcp\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]59. 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