{"id":4692,"date":"2000-03-29T15:37:34","date_gmt":"2000-03-29T08:37:34","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4692"},"modified":"2024-11-15T14:02:19","modified_gmt":"2024-11-15T07:02:19","slug":"54-mot-so-van-de-phap-ly-can-xem-xet-trong-cac-quy-dinh-ve-giao-dich-bao-dam-tien-vay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/54-mot-so-van-de-phap-ly-can-xem-xet-trong-cac-quy-dinh-ve-giao-dich-bao-dam-tien-vay\/","title":{"rendered":"54. M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd c\u1ea7n xem x\u00e9t trong c\u00e1c quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay"},"content":{"rendered":"

(TCNH) –\u00a0<\/strong>M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd c\u1ea7n xem x\u00e9t trong c\u00e1c quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay<\/span><\/h4>\n
1- Th\u1ebf n\u00e0o l\u00e0 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m?<\/strong><\/h5>\n

Trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 ng\u00e0y 28-10-1995 c\u00f3 quy \u0111\u1ecbnh 7 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1, bao g\u1ed3m:<\/p>\n

– C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n;<\/p>\n

– Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n;<\/p>\n

– \u0110\u1eb7t c\u1ecdc;<\/p>\n

– K\u00fd c\u01b0\u1ee3c:<\/p>\n

– K\u00fd qu\u1ef9;<\/p>\n

– B\u1ea3o l\u00e3nh;<\/p>\n

– V\u00e0 ph\u1ea1t vi ph\u1ea1m.<\/p>\n

\u0110\u1ebfn nay, sau 3 n\u0103m r\u01b0\u1ee1i, k\u1ec3 t\u1eeb khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c, m\u1edbi c\u00f3 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP ng\u00e0y 19-11-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn v\u1ec1 3 bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh, trong s\u1ed1 7 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 n\u00f3i tr\u00ean. \u0110\u1ed3ng th\u1eddi, sau h\u01a1n 1 n\u0103m, k\u1ec3 t\u1eeb khi Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u00f3 hi\u1ec7u l\u1ef1c, Ch\u00ednh ph\u1ee7 m\u1edbi ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 v\u1ec1 B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD, trong \u0111\u00f3 c\u0169ng quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh. C\u1ea3 hai Ngh\u1ecb \u0111\u1ecbnh n\u00e0y \u0111\u1ec1u c\u00f3 hi\u1ec7u l\u1ef1c sau 15 ng\u00e0y, k\u1ec3 t\u1eeb ng\u00e0y k\u00fd, nh\u01b0ng c\u00f3 r\u1ea5t nhi\u1ec1u v\u1ea5n \u0111\u1ec1 s\u1ebd l\u1ea1i ph\u1ea3i ch\u1edd \u0111\u1ee3i ti\u1ebfp c\u00e1c th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn, th\u00ec m\u1edbi c\u00f3 th\u1ec3 thi h\u00e0nh \u0111\u01b0\u1ee3c.<\/p>\n

Th\u1ef1c t\u1ebf l\u00e2u nay, nh\u1eefng v\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt lu\u00f4n \u0111\u01b0\u1ee3c ban h\u00e0nh r\u1ea5t ch\u1eadm tr\u1ec5. Trong l\u00fac d\u00e2n ch\u00fang ch\u01b0a ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi c\u00e1c v\u0103n b\u1ea3n m\u1edbi, c\u00e1c nh\u00e0 ch\u1ee9c tr\u00e1ch \u0111ang b\u00e0n b\u1ea1c v\u00e0 suy ngh\u0129 \u0111\u1ec3 c\u1ee5 th\u1ec3 ho\u00e1 v\u00e0 gi\u1ea3i th\u00edch c\u00e1c quy \u0111\u1ecbnh, m\u1ecdi ng\u01b0\u1eddi ch\u01b0a bi\u1ebft \u0111\u01b0\u1ee3c lu\u1eadt ph\u00e1p c\u1ee5 th\u1ec3 s\u1ebd nh\u01b0 th\u1ebf n\u00e0o, nh\u01b0ng l\u1ea1i v\u1eabn c\u1ee9 ph\u1ea3i h\u00e0nh \u0111\u1ed9ng v\u00e0 tu\u00e2n th\u1ee7 theo \u0111\u00fang ph\u00e1p lu\u1eadt (?!). C\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt th\u00ec c\u1ee9 n\u1ed1i ti\u1ebfp nhau ra \u0111\u1eddi v\u00e0 t\u1ef1 kh\u1eafc c\u00f3 hi\u1ec7u l\u1ef1c m\u00e0 kh\u00f4ng ch\u1edd \u0111\u1ee3i v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn. V\u1edbi c\u00e1ch th\u1ee9c x\u00e2y d\u1ef1ng v\u00e0 ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt nh\u01b0 hi\u1ec7n nay, th\u00ec th\u1eadt b\u1ea5t h\u1ea1nh cho m\u1ecdi quan v\u00e0 kh\u1ed1n kh\u00f3 v\u1edbi mu\u00f4n d\u00e2n khi ph\u1ea3i ch\u1ea5p h\u00e0nh lu\u1eadt ph\u00e1p.<\/p>\n

\u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, \u0111\u1ecbnh ngh\u0129a: \u201cGiao d\u1ecbch b\u1ea3o \u0111\u1ea3m<\/em><\/strong> l\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n theo \u0111\u00f3 b\u00ean b\u1ea3o \u0111\u1ea3m cam k\u1ebft v\u1edbi b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m v\u1ec1 vi\u1ec7c d\u00f9ng t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1<\/em>\u201d. Trong khi \u0111\u00f3, \u0110i\u1ec1u 7, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP v\u1ec1 B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD l\u1ea1i g\u1ecdi kh\u00e1i ni\u1ec7m Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m<\/em><\/strong> nh\u01b0 tr\u00ean l\u00e0 H\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m<\/em><\/strong>.<\/p>\n

Nh\u01b0 v\u1eady, 4 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 c\u00f2n l\u1ea1i l\u00e0: \u0110\u1eb7t c\u1ecdc, k\u00fd c\u01b0\u1ee3c, k\u00fd qu\u1ef9 v\u00e0 ph\u1ea1t vi ph\u1ea1m, c\u00f3 ph\u1ea3i l\u00e0 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m<\/em> ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m<\/em> hay kh\u00f4ng v\u00e0 t\u1ea1i sao l\u1ea1i ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong hai Ngh\u1ecb \u0111\u1ecbnh n\u00f3i tr\u00ean? R\u1ed3i \u0111\u00e2y, li\u1ec7u s\u1ebd c\u00f2n xu\u1ea5t hi\u1ec7n nh\u1eefng ngh\u1ecb \u0111\u1ecbnh kh\u00e1c n\u1eefa v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m?<\/p>\n

C\u00f3 kh\u00e1 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd m\u00e0 c\u00e1c doanh nghi\u1ec7p, c\u00e1c TCTD v\u00e0 c\u00e1 nh\u00e2n c\u1ea7n l\u01b0u \u00fd trong hai Ngh\u1ecb \u0111\u1ecbnh n\u00e0y.<\/p>\n

2- V\u1ec1 ph\u1ea1m vi \u00e1p d\u1ee5ng c\u1ee7a hai Ngh\u1ecb \u0111\u1ecbnh:<\/strong><\/h5>\n

Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP quy \u0111\u1ecbnh v\u1ec1 k\u00fd k\u1ebft, th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 v\u00e0 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh. Ngh\u1ecb \u0111\u1ecbnh n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 trong giao d\u1ecbch kinh t\u1ebf, th\u01b0\u01a1ng m\u1ea1i \u0111\u1ed3ng th\u1eddi thay th\u1ebf cho \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BT ng\u00e0y 16-1-1990 c\u1ee7a H\u1ed9i \u0111\u1ed3ng B\u1ed9 tr\u01b0\u1edfng quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf n\u0103m 1989.<\/p>\n

Ngo\u00e0i m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, c\u1ea3 hai Ngh\u1ecb \u0111\u1ecbnh \u0111\u1ec1u x\u00e1c \u0111\u1ecbnh, v\u1ea5n \u0111\u1ec1 n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 \u0111\u1ea5t \u0111ai. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0, vi\u1ec7c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, ch\u1ee7 y\u1ebfu s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/1999\/N\u0110-CP ng\u00e0y 29-3-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Th\u1ee7 t\u1ee5c chuy\u1ec3n \u0111\u1ed5i, chuy\u1ec3n nh\u01b0\u1ee3ng, cho thu\u00ea, cho thu\u00ea l\u1ea1i, th\u1eeba k\u1ebf quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 th\u1ebf ch\u1ea5p, g\u00f3p v\u1ed1n b\u1eb1ng gi\u00e1 tr\u1ecb quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.<\/p>\n

Ri\u00eang vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh vay v\u1ed1n c\u1ee7a c\u00e1c TCTD \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 v\u1ec1 B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD. Tuy nhi\u00ean, \u0111\u1ec3 th\u1ef1c hi\u1ec7n Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP, th\u00ec l\u1ea1i ph\u1ea3i th\u1ef1c hi\u1ec7n nhi\u1ec1u quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP. C\u1ee5 th\u1ec3 l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 sau:<\/p>\n

– T\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p;<\/p>\n

– \u0110i\u1ec1u ki\u1ec7n nh\u1eadn t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh;<\/p>\n

– Th\u1ee7 t\u1ee5c k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p;<\/p>\n

– \u0110\u0103ng k\u00fd h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh,…<\/p>\n

3- V\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/strong><\/h5>\n

Theo c\u00e1c \u0110i\u1ec1u 329 v\u00e0 346, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec m\u1ed9t t\u00e0i s\u1ea3n c\u00f3 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu <\/em>c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho nhi\u1ec1u ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1. \u0110i\u1ec1u 6, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP l\u1ea1i \u201cn\u1edbi l\u1ecfng\u201d lu\u1eadt, b\u1eb1ng vi\u1ec7c quy \u0111\u1ecbnh c\u1ea3 nh\u1eefng t\u00e0i s\u1ea3n kh\u00f4ng ph\u1ea3i \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho nhi\u1ec1u ngh\u0129a v\u1ee5.<\/p>\n

C\u0169ng theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, m\u1ed9t t\u00e0i s\u1ea3n c\u00f3 th\u1ec3 d\u00f9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho nhi\u1ec1u ngh\u0129a v\u1ee5 v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 \u1ea5y c\u00f3 th\u1ec3 l\u00e0 thu\u1ed9c v\u1ec1 nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng, ch\u1ee9 kh\u00f4ng ch\u1ec9 h\u1ea1n ch\u1ebf \u0111\u1ed1i v\u1edbi m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m. Nh\u01b0ng, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP \u0111\u00e3 quy \u0111\u1ecbnh \u201cth\u1eaft ch\u1eb7t\u201d h\u01a1n B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP v\u1ec1 ph\u1ea1m vi c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p. \u0110i\u1ec1u 11, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP quy \u0111\u1ecbnh: Trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, m\u1ed9t t\u00e0i s\u1ea3n<\/em> ch\u1ec9 \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 t\u1ea1i m\u1ed9t TCTD<\/em>. N\u1ebfu t\u00e0i s\u1ea3n c\u00f3 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu th\u00ec c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho nhi\u1ec1u ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 nh\u01b0ng c\u0169ng ch\u1ec9 t\u1ea1i m\u1ed9t TCTD<\/em>. N\u1ebfu t\u00e0i s\u1ea3n kh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho m\u1ed9t ngh\u0129a v\u1ee5.[1]<\/a><\/p>\n

\u0110i\u1ec1u 7, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP quy \u0111\u1ecbnh, c\u00e1c t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 bao g\u1ed3m nhi\u1ec1u lo\u1ea1i t\u00e0i s\u1ea3n v\u00e0 quy\u1ec1n v\u1ec1 t\u00e0i s\u1ea3n. \u0110\u00e2y l\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 c\u00e1c quy\u1ec1n t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c c\u1ea7m c\u1ed1. Tuy nhi\u00ean, vi\u1ec7c quy \u0111\u1ecbnh t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 bao g\u1ed3m c\u1ea3 ti\u1ec1n Vi\u1ec7t Nam v\u00e0 ngo\u1ea1i t\u1ec7 th\u00ec l\u1ea1i c\u00f3 ph\u1ea7n kh\u00f4ng h\u1ee3p l\u00fd. \u0110\u00e0nh r\u1eb1ng, ti\u1ec1n c\u0169ng l\u00e0 m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n, nh\u01b0ng l\u00e0 t\u00e0i s\u1ea3n r\u1ea5t \u0111\u1eb7c bi\u1ec7t; v\u00ec v\u1eady, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, \u0111\u00e3 c\u00f3 s\u1ef1 ph\u00e2n bi\u1ec7t c\u1ee5 th\u1ec3 v\u1ec1 7 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1. B\u00ean c\u1ea1nh m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 l\u00e0 d\u00f9ng ti\u1ec1n ho\u1eb7c kim kh\u00ed qu\u00fd, \u0111\u00e1 qu\u00fd,<\/em> th\u00ec m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p kh\u00e1c l\u1ea1i ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m <\/em>m\u1ed9t c\u00e1ch chung chung. C\u1ee5 th\u1ec3, kho\u1ea3n 1, \u0110i\u1ec1u 329 quy \u0111\u1ecbnh v\u1ec1 c\u1ea7m c\u1ed1 nh\u01b0 sau: \u201cC\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n l\u00e0 vi\u1ec7c b\u00ean c\u00f3 ngh\u0129a v\u1ee5 giao t\u00e0i s\u1ea3n l\u00e0 \u0111\u1ed9ng s\u1ea3n<\/strong> thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u00ecnh cho b\u00ean c\u00f3 quy\u1ec1n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1<\/strong>…<\/em>\u201d. C\u00f2n kho\u1ea3n 1, \u0110i\u1ec1u 363 quy \u0111\u1ecbnh v\u1ec1 \u0111\u1eb7t c\u1ecdc th\u00ec vi\u1ebft: \u201c\u0110\u1eb7t c\u1ecdc l\u00e0 vi\u1ec7c m\u1ed9t b\u00ean giao cho b\u00ean kia m\u1ed9t kho\u1ea3n ti\u1ec1n ho\u1eb7c kim kh\u00ed qu\u00fd, \u0111\u00e1 qu\u00fd ho\u1eb7c c\u00e1c v\u1eadt c\u00f3 gi\u00e1 tr\u1ecb kh\u00e1c<\/strong> (g\u1ecdi l\u00e0 t\u00e0i s\u1ea3n \u0111\u1eb7t c\u1ecdc) trong m\u1ed9t th\u1eddi h\u1ea1n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m giao k\u1ebft ho\u1eb7c th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1<\/strong><\/em>\u201d. Ngay trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP c\u0169ng ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng gi\u1eefa ti\u1ec1n<\/em> v\u00e0 t\u00e0i s\u1ea3n,<\/em> nh\u01b0 kho\u1ea3n 3, \u0110i\u1ec1u 33 c\u00f3 quy \u0111\u1ecbnh: \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp nh\u1eadn c\u00e1c kho\u1ea3n ti\u1ec1n ho\u1eb7c t\u00e0i s\u1ea3n<\/strong> t\u1eeb b\u00ean th\u1ee9 ba..<\/em>.\u201d. \u0110i\u1ec3m \u0111, kho\u1ea3n 2, \u0110i\u1ec1u 34 c\u0169ng c\u00f3 quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p b\u00ean th\u1ee9 ba c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n ho\u1eb7c t\u00e0i s\u1ea3n<\/strong> cho kh\u00e1ch h\u00e0ng vay, b\u00ean b\u1ea3o l\u00e3nh th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp nh\u1eadn c\u00e1c kho\u1ea3n ti\u1ec1n ho\u1eb7c t\u00e0i s\u1ea3n<\/strong> t\u1eeb b\u00ean th\u1ee9 ba<\/em>\u201d.<\/p>\n

Nh\u01b0 v\u1eady, quy \u0111\u1ecbnh d\u00f9ng ti\u1ec1n Vi\u1ec7t Nam v\u00e0 ngo\u1ea1i t\u1ec7 \u0111\u1ec3 \u0111\u1eb7t c\u1ecdc trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP l\u00e0 m\u1ed9t s\u1ef1 v\u1eadn d\u1ee5ng m\u1edf r\u1ed9ng lu\u1eadt \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho c\u00e1c ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 n\u00f3i chung. Tuy nhi\u00ean, n\u1ebfu d\u00f9ng ti\u1ec1n \u0111\u1ec3 l\u00e0m v\u1eadt b\u1ea3o \u0111\u1ea3m cho c\u00e1c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 ho\u1eb7c h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf,<\/em> th\u00ec ph\u1ea3i g\u1ecdi theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u00e0 bi\u1ec7n ph\u00e1p \u0111\u1eb7t c\u1ecdc,<\/em> ch\u1ee9 kh\u00f4ng th\u1ec3 g\u1ecdi l\u00e0 c\u1ea7m c\u1ed1<\/em>. N\u00f3 c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 vi\u1ec7c kh\u00f4ng th\u1ec3 tu\u1ef3 ti\u1ec7n g\u1ecdi c\u00e1c h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1<\/em> l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p<\/em> \u0111\u01b0\u1ee3c. Th\u1eadt \u0111\u00e1ng ti\u1ebfc l\u00e0 Ngh\u1ecb \u0111\u1ecbnh n\u00e0y l\u1ea1i kh\u00f4ng \u0111\u1ec1 c\u1eadp g\u00ec \u0111\u1ebfn bi\u1ec7n ph\u00e1p \u0111\u1eb7t c\u1ecdc.<\/p>\n

\u0110i\u1ec1u 12, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP c\u0169ng quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0110i\u1ec1u 329, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh, l\u00e0 v\u1ec1 nguy\u00ean t\u1eafc, B\u00ean nh\u1eadn c\u1ea7m c\u1ed1 ph\u1ea3i gi\u1eef t\u00e0i s\u1ea3n, c\u00f2n B\u00ean c\u1ea7m c\u1ed1 ch\u1ec9 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1eef t\u00e0i s\u1ea3n trong tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n \u0111\u00f3 c\u00f3 \u0111\u0103ng k\u00fd<\/em> quy\u1ec1n s\u1edf h\u1eefu. Nh\u01b0ng \u0110i\u1ec1u 15, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP l\u1ea1i cho ph\u00e9p B\u00ean c\u1ea7m c\u1ed1 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1eef c\u1ea3 c\u00e1c t\u00e0i s\u1ea3n kh\u00f4ng ph\u1ea3i \u0111\u0103ng k\u00fd<\/em> quy\u1ec1n s\u1edf h\u1eefu (tuy nhi\u00ean ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd t\u1ea1i c\u01a1 quan \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m).<\/p>\n

Nh\u01b0 v\u1eady, c\u0169ng gi\u1ed1ng nh\u01b0 nhi\u1ec1u v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt kh\u00e1c, c\u00e1c Ngh\u1ecb \u0111\u1ecbnh n\u00e0y d\u01b0\u1eddng nh\u01b0 u\u1ed1n n\u1eafn v\u00e0 s\u1eeda \u0111\u1ed5i c\u1ea3 lu\u1eadt (?!).<\/p>\n

4- V\u1ec1 n\u1ed9i dung ch\u1ee7 y\u1ebfu c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m:<\/strong><\/h5>\n

\u0110i\u1ec1u 11, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP quy \u0111\u1ecbnh: \u201cH\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n ph\u1ea3i c\u00f3 c\u00e1c n\u1ed9i dung ch\u1ee7 y\u1ebfu, bao g\u1ed3m 7 lo\u1ea1i n\u1ed9i dung sau \u0111\u00e2y:<\/em><\/p>\n

    \n
  1. a) Ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m;<\/em><\/li>\n
  2. b) M\u00f4 t\u1ea3 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p;<\/em><\/li>\n
  3. c) Gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, n\u1ebfu c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh;<\/em><\/li>\n
  4. d) B\u00ean gi\u1eef t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p;<\/em><\/li>\n<\/ol>\n

    \u0111) Quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean;<\/em><\/p>\n

      \n
    1. e) C\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u1eed l\u00fd v\u00e0 ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p;<\/em><\/li>\n
    2. g) C\u00e1c tho\u1ea3 thu\u1eadn kh\u00e1c<\/strong><\/em>\u201d.<\/li>\n<\/ol>\n

      C\u00e1c lo\u1ea1i n\u1ed9i dung t\u1eeb \u0111i\u1ec3m a \u0111\u1ebfn \u0111i\u1ec3m e n\u00f3i tr\u00ean, n\u1ebfu ph\u00e1p lu\u1eadt \u0111\u00e3 quy \u0111\u1ecbnh chi ti\u1ebft, r\u00f5 r\u00e0ng r\u1ed3i (v\u00ed d\u1ee5 nh\u01b0 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean), th\u00ec c\u1ee9 th\u1ebf m\u00e0 th\u1ef1c hi\u1ec7n, n\u1ebfu kh\u00f4ng c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c, th\u00ec ch\u1eb3ng c\u1ea7n ph\u1ea3i \u0111\u01b0a v\u00e0o h\u1ee3p \u0111\u1ed3ng. Nh\u01b0ng m\u1ed9t khi ch\u00fang \u0111\u00e3 \u0111\u01b0\u1ee3c Ngh\u1ecb \u0111\u1ecbnh x\u00e1c \u0111\u1ecbnh \u0111\u00f3 l\u00e0 c\u00e1c \u201cn\u1ed9i dung ch\u1ee7 y\u1ebfu\u201d c\u1ee7a h\u1ee3p \u0111\u1ed3ng, th\u00ec v\u1ea5n \u0111\u1ec1 l\u1eadp t\u1ee9c tr\u1edf l\u00ean ph\u1ee9c t\u1ea1p v\u00e0 kh\u00f4ng th\u1ec3 thi\u1ebfu \u0111\u01b0\u1ee3c; v\u00ec theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 401, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: \u201cN\u1ed9i dung ch\u1ee7 y\u1ebfu c\u1ee7a h\u1ee3p \u0111\u1ed3ng l\u00e0 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n m\u00e0 thi\u1ebfu nh\u1eefng \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3, th\u00ec h\u1ee3p \u0111\u1ed3ng kh\u00f4ng th\u1ec3 giao k\u1ebft \u0111\u01b0\u1ee3c<\/em>\u201d. Nh\u01b0 v\u1eady, n\u1ebfu m\u1ed9t giao d\u1ecbch b\u1ea3o \u0111\u1ea3m m\u00e0 thi\u1ebfu m\u1ed9t trong 7 \u0111i\u1ec1u kho\u1ea3n ch\u1ee7 y\u1ebfu n\u00f3i tr\u00ean, th\u00ec coi nh\u01b0 ch\u01b0a c\u00f3 h\u1ee3p \u0111\u1ed3ng, hay n\u00f3i c\u00e1ch kh\u00e1c, giao d\u1ecbch \u0111\u00f3 s\u1ebd b\u1ecb coi l\u00e0 v\u00f4 hi\u1ec7u. \u0110i\u1ec1u tr\u1edb tr\u00eau l\u00e0 \u1edf ch\u1ed7, \u201cc\u00e1c tho\u1ea3 thu\u1eadn kh\u00e1c\u201d, c\u0169ng l\u00e0 \u201cnh\u1eefng \u0111i\u1ec1u kho\u1ea3n\u201d c\u01a1 b\u1ea3n, ch\u1ee7 y\u1ebfu c\u1ee7a h\u1ee3p \u0111\u1ed3ng, th\u00ec ch\u1ec9 c\u00f3 \u201ctr\u1eddi\u201d m\u1edbi x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c c\u1ee5 th\u1ec3 ph\u1ea3i l\u00e0 nh\u1eefng tho\u1ea3 thu\u1eadn g\u00ec \u0111\u1ec3 m\u00e0 \u0111\u01b0a v\u00e0o h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p? Ch\u1eb3ng l\u1ebd, n\u1ebfu c\u00e1c b\u00ean kh\u00f4ng \u0111\u01b0a \u201cc\u00e1c tho\u1ea3 thu\u1eadn kh\u00e1c\u201d v\u00e0o, v\u00ec th\u1ea5y ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n thi\u1ebft, th\u00ec h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh c\u0169ng v\u00f4 hi\u1ec7u hay sao? Quy \u0111\u1ecbnh n\u00e0y th\u1eadm v\u00f4 l\u00fd v\u00e0 c\u1ef1c k\u1ef3 nguy hi\u1ec3m \u0111\u1ed1i v\u1edbi B\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m.<\/p>\n

      V\u00e0 m\u1ed9t \u0111i\u1ec1u \u0111\u00e1ng b\u0103n kho\u0103n n\u1eefa l\u00e0, kh\u00f4ng bi\u1ebft quy \u0111\u1ecbnh tr\u00ean c\u00f3 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD hay kh\u00f4ng? V\u00ec Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP c\u00f3 ch\u1ec9 r\u00f5 m\u1ed9t lo\u1ea1t v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p; v\u1ec1 \u0111i\u1ec1u ki\u1ec7n nh\u1eadn t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh; v\u1ec1 th\u1ee7 t\u1ee5c k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p; v\u1ec1 \u0111\u0103ng k\u00fd h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh, th\u00ec th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a \u201cph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m\u201d; nh\u01b0ng ri\u00eang v\u1ec1 ph\u1ea7n \u201cn\u1ed9i dung\u201d c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p th\u00ec l\u1ea1i kh\u00f4ng th\u1ea5y x\u00e1c \u0111\u1ecbnh ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt (tr\u1eeb \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n vay)?<\/p>\n

      5- V\u1ec1 vi\u1ec7c \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/strong><\/h5>\n

      C\u00e1c \u0110i\u1ec1u 6 v\u00e0 15 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP quy \u0111\u1ecbnh m\u1ed9t \u0111i\u1ec3m ho\u00e0n to\u00e0n m\u1edbi v\u1ec1 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m. N\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, c\u00e1c \u0110i\u1ec1u 330 v\u00e0 347 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 ch\u1ec9 quy \u0111\u1ecbnh vi\u1ec7c \u0111\u0103ng k\u00fd c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u0111\u1ed1i v\u1edbi c\u00e1c t\u00e0i s\u1ea3n c\u00f3 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu<\/em>, th\u00ec theo Ngh\u1ecb \u0111\u1ecbnh n\u00e0y, c\u00f2n ph\u1ea3i \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi c\u1ea3 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c (c\u00e1c t\u00e0i s\u1ea3n kh\u00f4ng ph\u1ea3i \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu), trong tr\u01b0\u1eddng h\u1ee3p d\u00f9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n nhi\u1ec1u ngh\u0129a v\u1ee5.<\/p>\n

      Nh\u01b0ng vi\u1ec7c \u0111\u0103ng k\u00fd c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh theo c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u0169ng nh\u01b0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m theo hai Ngh\u1ecb \u0111\u1ecbnh tr\u00ean nh\u01b0 th\u1ebf n\u00e0o, th\u00ec l\u1ea1i ph\u1ea3i ch\u1edd ti\u1ebfp m\u1ed9t Ngh\u1ecb \u0111\u1ecbnh kh\u00e1c c\u1ee7a Ch\u00ednh ph\u1ee7. Li\u1ec7u r\u1ed3i \u0111\u00e2y, c\u01a1 quan n\u00e0o s\u1ebd \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi nh\u1eefng t\u00e0i s\u1ea3n kh\u00f4ng ph\u1ea3i \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu; trong khi cho \u0111\u1ebfn hi\u1ec7n nay, ngay c\u1ea3 t\u00e0i s\u1ea3n ph\u1ea3i \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu, c\u0169ng ch\u1ec9 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 c\u01a1 quan \u0111\u0103ng k\u00fd vi\u1ec7c vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u1ec1 t\u00e0u bay[2]<\/a>, t\u00e0u bi\u1ec3n[3]<\/a> v\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t[4]<\/a>. C\u00f2n nhi\u1ec1u t\u00e0i s\u1ea3n kh\u00e1c m\u00e0 ph\u00e1p lu\u1eadt \u0111\u00e3 quy \u0111\u1ecbnh t\u1eeb l\u00e2u thu\u1ed9c lo\u1ea1i ph\u1ea3i \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf l\u1ea1i kh\u00f4ng bi\u1ebft ph\u1ea3i \u0111\u0103ng k\u00fd \u1edf \u0111\u00e2u, v\u00ed d\u1ee5 nh\u01b0 nh\u00e0 \u1edf, m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i,…<\/p>\n

      6- V\u1ec1 vi\u1ec7c c\u00f4ng ch\u1ee9ng giao d\u1ecbch b\u1ea3o \u0111\u1ea3m: <\/strong><\/h5>\n

      Tr\u01b0\u1edbc \u0111\u00e2y, vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf ph\u1ea3i th\u1ef1c hi\u1ec7n vi\u1ec7c c\u00f4ng ch\u1ee9ng theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BT ng\u00e0y 16-1-1990 c\u1ee7a H\u1ed9i \u0111\u1ed3ng B\u1ed9 tr\u01b0\u1edfng, quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf. Khi \u0111\u00f3, giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ch\u1ec9 c\u1ea7n c\u00f4ng ch\u1ee9ng ch\u1ee9 kh\u00f4ng ph\u1ea3i k\u00e8m th\u00eam bi\u1ec7n ph\u00e1p \u0111\u0103ng k\u00fd. M\u1ed9t giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u1eeba ph\u1ea3i c\u00f4ng ch\u1ee9ng, v\u1eeba ph\u1ea3i \u0111\u0103ng k\u00fd l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft, nh\u1ea5t l\u00e0 trong khi h\u1ee3p \u0111\u1ed3ng ch\u00ednh th\u00ec kh\u00f4ng, m\u00e0 l\u1ea1i ch\u1ec9 c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng ph\u1ee5. Th\u1ef1c ch\u1ea5t vi\u1ec7c \u0111\u0103ng k\u00fd c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh c\u0169ng c\u00f3 \u00fd ngh\u0129a nh\u01b0 m\u1ed9t s\u1ef1 ch\u1ee9ng th\u1ef1c, m\u1ed9t s\u1ef1 c\u00f4ng ch\u1ee9ng v\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c. V\u00ec v\u1eady, b\u1eaft \u0111\u1ea7u t\u1eeb Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/1999\/N\u0110-CP ng\u00e0y 29-3-1999 n\u00f3i tr\u00ean, \u0111\u00e3 b\u1ecf quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.<\/p>\n

      Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP quy \u0111\u1ecbnh ch\u1ec9 ph\u1ea3i c\u00f4ng ch\u1ee9ng giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u201cn\u1ebfu c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn ho\u1eb7c<\/em> ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh\u201d. C\u0169ng v\u1edbi tinh th\u1ea7n nh\u01b0 v\u1eady, nh\u01b0ng \u0110i\u1ec1u 7, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP th\u00ec quy \u0111\u1ecbnh kh\u00e1c h\u01a1n, \u0111\u00f3 l\u00e0 ch\u1ec9 ph\u1ea3i c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m \u201cn\u1ebfu c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p<\/em> ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh\u201d.\u00a0 Tuy nhi\u00ean, \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c tr\u01b0\u1eddng h\u1ee3p n\u00e0o \u201cph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh\u201d hay \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh\u201d,\u00a0 th\u00ec l\u1ea1i kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n.<\/p>\n

      7- V\u1ec1 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/strong><\/h5>\n

      Kho\u1ea3n 2, \u0110i\u1ec1u 16, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP quy \u0111\u1ecbnh: \u201cGiao d\u1ecbch b\u1ea3o \u0111\u1ea3m b\u1ecb v\u00f4 hi\u1ec7u kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u l\u1ef1c c\u1ee7a ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p giao d\u1ecbch b\u1ea3o \u0111\u1ea3m l\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m<\/em>\u201d. V\u1ea5n \u0111\u1ec1 s\u1ebd v\u01b0\u1edbng m\u1eafc do tr\u00ean th\u1ef1c t\u1ebf r\u1ea5t kh\u00f3 c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c khi n\u00e0o th\u00ec \u201cgiao d\u1ecbch b\u1ea3o \u0111\u1ea3m l\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m\u201d \u0111\u1ec3 m\u00e0 quy k\u1ebft h\u1ee3p \u0111\u1ed3ng ch\u00ednh l\u00e0 v\u00f4 hi\u1ec7u.<\/p>\n

      Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP th\u00ec l\u1ea1i kh\u00f4ng th\u1ea5y \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y. V\u1eady, quy \u0111\u1ecbnh tr\u00ean c\u00f3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD hay kh\u00f4ng? N\u1ebfu n\u00f3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, th\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m v\u00f4 hi\u1ec7u s\u1ebd h\u1ea7u nh\u01b0 d\u1eabn \u0111\u1ebfn s\u1ef1 v\u00f4 hi\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, v\u00ec \u0111a s\u1ed1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec3 c\u00e1c TCTD cho vay l\u00e0 ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh v\u00f4 hi\u1ec7u c\u00f3 d\u1eabn \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00f4 hi\u1ec7u hay kh\u00f4ng c\u0169ng \u0111ang l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 th\u1eddi s\u1ef1 \u0111\u1eb7t ra hi\u1ec7n nay trong ng\u00e0nh Ng\u00e2n h\u00e0ng. Sau khi c\u00f3 Ngh\u1ecb \u0111\u1ecbnh n\u00e0y, th\u00ec c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt s\u1ebd d\u1ec5 d\u00e0ng nghi\u00eang theo quan \u0111i\u1ec3m cho r\u1eb1ng \u0111a s\u1ed1 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u0169ng s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u khi vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1ecb v\u00f4 hi\u1ec7u.<\/p>\n

      \u0110i\u1ec1u v\u00f4 l\u00fd \u1edf \u0111\u00e2y l\u00e0, B\u00ean cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n th\u00ec \u0111\u01b0\u1ee3c quy\u1ec1n thu \u0111\u1ee7 g\u1ed1c v\u00e0 l\u00e3i. \u0110\u1ec3 t\u0103ng \u0111\u00f4 tin c\u1eady v\u00e0 an to\u00e0n h\u01a1n, h\u1ecd b\u1eaft B\u00ean vay ph\u1ea3i c\u00f3 c\u00e1c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, nh\u01b0ng n\u1ebfu v\u00ec m\u1ed9t l\u00fd do n\u00e0o \u0111\u1ea5y, c\u00e1c h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1ecb v\u00f4 hi\u1ec7u, th\u00ec h\u1ee3p \u0111\u1ed3ng cho vay c\u0169ng b\u1ecb v\u00f4 hi\u1ec7u theo. Nh\u01b0 v\u1eady, vi\u1ec7c cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n l\u1ea1i r\u01a1i v\u00e0 t\u00ecnh th\u1ebf b\u1ea5t l\u1ee3i h\u01a1n so v\u1edbi vi\u1ec7c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m (s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c quy\u1ec1n thu l\u00e3i). Ph\u1ea3i ch\u0103ng quy \u0111\u1ecbnh n\u00e0y xu\u1ea5t ph\u00e1t t\u1eeb ch\u1ed7 \u0111\u00e1nh gi\u00e1 sai l\u1ea7m v\u1ec1 b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd c\u1ee7a giao d\u1ecbch b\u1ea3o \u0111\u1ea3m? D\u00f9 c\u00f3 g\u1ecdi l\u00e0 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m<\/em> theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP hay l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m<\/em> theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP th\u00ec c\u0169ng kh\u00f4ng n\u00ean coi \u0111\u00f3 ho\u00e0n to\u00e0n nh\u01b0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng, v\u00ec b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd c\u1ee7a n\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng hay c\u00e1c ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 kh\u00e1c v\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u kho\u1ea3n, nh\u1eefng n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 ho\u1eb7c h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf.<\/p>\n

      Theo t\u00f4i, n\u00ean x\u1eed l\u00fd v\u1ea5n \u0111\u1ec1 n\u00e0y t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0111i\u1ec1u kho\u1ea3n v\u1ec1 tr\u1ecdng t\u00e0i trong quan h\u1ec7 th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c t\u1ebf: D\u00f9 h\u1ee3p \u0111\u1ed3ng c\u00f3 v\u00f4 hi\u1ec7u, th\u00ec tho\u1ea3 thu\u1eadn v\u1ec1 tr\u1ecdng t\u00e0i \u1edf trong ho\u1eb7c ngo\u00e0i h\u1ee3p \u0111\u1ed3ng v\u1eabn gi\u1eef nguy\u00ean gi\u00e1 tr\u1ecb v\u00e0 ng\u01b0\u1ee3c l\u1ea1i tho\u1ea3 thu\u1eadn v\u1ec1 tr\u1ecdng t\u00e0i d\u00f9 c\u00f3 v\u00f4 hi\u1ec7u th\u00ec c\u0169ng kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

      8- V\u1ec1 tr\u01b0\u1eddng h\u1ee3p B\u00ean b\u1ea3o \u0111\u1ea3m l\u00e0 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c l\u1ea1i:<\/strong><\/h5>\n

      \u0110i\u1ec1u 21, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o \u0111\u1ea3m l\u00e0 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c chia, t\u00e1ch, h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, chuy\u1ec3n \u0111\u1ed5i, th\u00ec giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ch\u1ea5m d\u1ee9t<\/strong>, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c doanh nghi\u1ec7p m\u1edbi \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c l\u1ea1i c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>\u201d.<\/p>\n

      Quy \u0111\u1ecbnh n\u00e0y d\u01b0\u1eddng nh\u01b0 khuy\u1ebfn kh\u00edch c\u00e1c doanh nghi\u1ec7p l\u00e0 B\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m r\u0169 b\u1ecf cam k\u1ebft b\u1ea3o \u0111\u1ea3m m\u1ed9t c\u00e1ch h\u1ee3p ph\u00e1p, th\u00f4ng qua vi\u1ec7c t\u1ed5 ch\u1ee9c l\u1ea1i doanh nghi\u1ec7p. C\u00e1c doanh nghi\u1ec7p m\u1edbi \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c l\u1ea1i s\u1ebd r\u1ea5t d\u1ec5 d\u00e0ng t\u1eeb ch\u1ed1i c\u00e1c \u201ctho\u1ea3 thu\u1eadn kh\u00e1c\u201d \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i ph\u00f3ng m\u00ecnh kh\u1ecfi ngh\u0129a v\u1ee5 t\u00e0i s\u1ea3n. Nh\u01b0 v\u1eady, ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p v\u00e0 ch\u00ednh \u0111\u00e1ng cho B\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m hay v\u00f4 t\u00ecnh \u0111i l\u00e0m \u0111i\u1ec1u ng\u01b0\u1ee3c l\u1ea1i? Ph\u1ea3i ch\u0103ng \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng quy \u0111\u1ecbnh \u201ch\u1ed7 tr\u1ee3\u201d cho c\u00e1c doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc c\u1ed5 ph\u1ea7n ho\u00e1?<\/p>\n

      C\u00f3 th\u1ec3 n\u00f3i, quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 \u0111i ng\u01b0\u1ee3c l\u1ea1i c\u00e1c n\u1ed9i dung c\u01a1 b\u1ea3n c\u1ee7a ph\u00e1p lu\u1eadt n\u00f3i chung. Ch\u1eb3ng l\u1ebd c\u00e1c quy \u0111\u1ecbnh c\u00f3 t\u00ednh nguy\u00ean t\u1eafc c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 Lu\u1eadt Doanh nghi\u1ec7p s\u1ed1 13\/1999\/QH10 ng\u00e0y 12-6-1999 l\u1ea1i kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i s\u1ea3n trong giao d\u1ecbch b\u1ea3o \u0111\u1ea3m[5]<\/a>? C\u00e1c \u0110i\u1ec1u 104, 105 v\u00e0 106 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 vi\u1ec7c h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, chia, t\u00e1ch ph\u00e1p nh\u00e2n (trong \u0111\u00f3 c\u00f3 c\u00e1c doanh nghi\u1ec7p) \u0111\u1ec1u quy \u0111\u1ecbnh: Sau khi h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, chia, t\u00e1ch th\u00ec c\u00e1c quy\u1ec1n, ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 c\u1ee7a c\u00e1c ph\u00e1p nh\u00e2n c\u0169 \u0111\u01b0\u1ee3c chuy\u1ec3n giao cho c\u00e1c ph\u00e1p nh\u00e2n m\u1edbi. C\u00e1c \u0110i\u1ec1u 105, 106, 107, 108 v\u00e0 109 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p v\u1ec1 chia, t\u00e1ch, h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, chuy\u1ec3n \u0111\u1ed5i doanh nghi\u1ec7p, c\u0169ng \u0111\u1ec1u quy \u0111\u1ecbnh: C\u00f4ng ty m\u1edbi ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ho\u1eb7c c\u00f9ng li\u00ean \u0111\u1edbi \u201cch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 c\u00e1c kho\u1ea3n n\u1ee3 ch\u01b0a thanh to\u00e1n, h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i s\u1ea3n kh\u00e1c<\/em>\u201d c\u1ee7a c\u00f4ng ty b\u1ecb chia, t\u00e1ch, h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp v\u00e0 chuy\u1ec3n \u0111\u1ed5i.<\/p>\n

      N\u1ebfu c\u1ea7n l\u00e0m r\u00f5 h\u01a1n ngh\u0129a v\u1ee5 t\u00e0i s\u1ea3n trong tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c l\u1ea1i, th\u00ec ch\u1ec9 n\u00ean quy \u0111\u1ecbnh nh\u01b0 sau: Trong tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o \u0111\u1ea3m l\u00e0 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c chia, t\u00e1ch, h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, chuy\u1ec3n \u0111\u1ed5i, th\u00ec giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c chuy\u1ec3n sang cho c\u00e1c doanh nghi\u1ec7p m\u1edbi \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c l\u1ea1i<\/em>, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c doanh nghi\u1ec7p m\u1edbi \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c l\u1ea1i c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n

      R\u1ea5t may l\u00e0, vi\u1ec7c cho vay c\u1ee7a c\u00e1c TCTD s\u1ebd kh\u00f4ng b\u1ecb r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng r\u1ee7i ro n\u00e0y, v\u00ec Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh kh\u00e1 h\u1ee3p l\u00fd v\u00e0 c\u1ee5 th\u1ec3 v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c l\u1ea1i.<\/p>\n

      9- V\u1ec1 vi\u1ec7c b\u1ea3o l\u00e3nh b\u1eb1ng t\u00edn ch\u1ea5p c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i:<\/strong><\/h5>\n

      Do \u0111\u1eb7c th\u00f9 c\u1ee7a ch\u1ebf \u0111\u1ed9 ta, n\u00ean \u0110i\u1ec1u 376, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u00e3 quy \u0111\u1ecbnh vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i c\u00f3 th\u1ec3 b\u1ea3o l\u00e3nh cho c\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh ngh\u00e8o vay v\u1ed1n c\u1ee7a c\u00e1c TCTD. Hi\u1ec7n nay, c\u00f3 nhi\u1ec1u \u0111o\u00e0n th\u1ec3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i, nh\u01b0ng \u0110i\u1ec1u 26, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ch\u1ec9 quy \u0111\u1ecbnh 5 t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c quy\u1ec1n b\u1ea3o l\u00e3nh, \u0111\u00f3 l\u00e0:<\/p>\n

      – H\u1ed9i N\u00f4ng d\u00e2n Vi\u1ec7t Nam;<\/p>\n

      – H\u1ed9i Li\u00ean hi\u1ec7p Ph\u1ee5 n\u1eef Vi\u1ec7t Nam;<\/p>\n

      – T\u1ed5ng Li\u00ean \u0111o\u00e0n Lao \u0111\u1ed9ng Vi\u1ec7t Nam;<\/p>\n

      – \u0110o\u00e0n Thanh ni\u00ean C\u1ed9ng s\u1ea3n H\u1ed3 Ch\u00ed Minh;<\/p>\n

      – H\u1ed9i C\u1ef1u chi\u1ebfn binh Vi\u1ec7t Nam;<\/p>\n

      Vi\u1ec7c b\u1ea3o l\u00e3nh c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c n\u00f3i tr\u00ean kh\u00f4ng c\u00f3 s\u1ef1 b\u1ea3o \u0111\u1ea3m n\u00e0o ch\u1eafc ch\u1eafn; \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o l\u00e3nh l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c g\u1eafn li\u1ec1n v\u1edbi c\u01a1 ch\u1ebf ch\u00ednh tr\u1ecb Nh\u00e0 n\u01b0\u1edbc; ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh ch\u1ec9 l\u00e0 c\u00e1c c\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh ngh\u00e8o; s\u1ed1 l\u01b0\u1ee3ng cho vay ch\u1ec9 l\u00e0 m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ecf \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho s\u1ea3n xu\u1ea5t, kinh doanh v\u00e0 l\u00e0m d\u1ecbch v\u1ee5. Nh\u01b0 v\u1eady, th\u1ef1c ch\u1ea5t \u0111\u00e2y l\u00e0 m\u1ed9t d\u1ea1ng b\u1ea3o l\u00e3nh v\u00e0 cho vay theo ch\u00ednh s\u00e1ch c\u1ee7a Nh\u00e0 n\u01b0\u1edbc. V\u00ec v\u1eady, n\u00f3 ch\u1ec9 l\u00e0 nhi\u1ec7m v\u1ee5 c\u1ee7a Ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch ho\u1eb7c m\u1edf r\u1ed9ng n\u1eefa l\u00e0 c\u1ee7a c\u00e1c TCTD qu\u1ed1c doanh (TCTD Nh\u00e0 n\u01b0\u1edbc), ch\u1ee9 kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c TCTD phi qu\u1ed1c doanh.<\/p>\n

      Trong Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn Ngh\u1ecb \u0111\u1ecbnh tr\u00ean, \u0111\u1ec1 ngh\u1ecb c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u1ec3 h\u1ea1n ch\u1ebf nh\u1eefng hi\u1ec3u l\u1ea7m v\u00e0 s\u1ef1 kh\u00f3 kh\u0103n, r\u1eafc r\u1ed1i c\u00f3 th\u1ec3 x\u1ea3y ra tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

      10- V\u1ec1 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/strong><\/h5>\n

      C\u00f3 th\u1ec3 n\u00f3i, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m r\u1ea5t m\u1edbi v\u00e0 r\u1ea5t thi\u1ebft th\u1ef1c \u0111\u1ed1i v\u1edbi c\u00e1c TCTD. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c c\u01a1 quan v\u00e0 c\u00e1 nh\u00e2n \u1edf c\u01a1 s\u1edf \u00edt khi quan t\u00e2m v\u00e0 th\u1ef1c hi\u1ec7n ngay theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 n\u1ebfu nh\u01b0 kh\u00f4ng c\u00f3 v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn c\u1ea7n thi\u1ebft c\u1ee7a c\u00e1c ng\u00e0nh li\u00ean quan.<\/p>\n

      B\u00ean c\u1ea1nh \u0111\u00f3, quy \u0111\u1ecbnh mang t\u00ednh b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho c\u00e1c TCTD c\u0169ng d\u1ec5 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng. V\u00ed d\u1ee5, kho\u1ea3n 5, \u0110i\u1ec1u 31 c\u00f3 quy \u0111\u1ecbnh: \u201cn\u1ebfu t\u00e0i s\u1ea3n kh\u00f4ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c do kh\u00f4ng tho\u1ea3 thu\u1eadn \u0111\u01b0\u1ee3c gi\u00e1 b\u00e1n, th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy\u1ec1n quy\u1ebft \u0111\u1ecbnh gi\u00e1 b\u00e1n t\u00e0i s\u1ea3n \u0111\u1ec3 thu h\u1ed3i n\u1ee3\u201d. N\u1ebfu tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n n\u1ee3 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ho\u1eb7c nh\u1ecf h\u01a1n gi\u00e1 tr\u1ecb b\u1ea3o \u0111\u1ea3m th\u00ec quy \u0111\u1ecbnh n\u00e0y l\u00e0 ph\u00f9 h\u1ee3p, nh\u01b0ng n\u1ebfu kho\u1ea3n n\u1ee3 ch\u1ec9 b\u1eb1ng m\u1ed9t ph\u1ea7n nh\u1ecf so v\u1edbi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec s\u1ebd n\u1ea3y sinh v\u1ea5n \u0111\u1ec1. Khi \u0111\u00f3, s\u1ebd c\u00f3 th\u1ec3 x\u1ea3y ra hi\u1ec7n t\u01b0\u1ee3ng, c\u00e1c TCTD c\u00f3 quy\u1ec1n \u201cquy\u1ebft \u0111\u1ecbnh gi\u00e1 b\u00e1n t\u00e0i s\u1ea3n\u201d v\u1edbi m\u1ee9c gi\u00e1 qu\u00e1 th\u1ea5p, ch\u1ec9 nh\u1eb1m \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau duy nh\u1ea5t l\u00e0 nhanh ch\u00f3ng thu \u0111\u01b0\u1ee3c ph\u1ea7n n\u1ee3 cho m\u00ecnh, m\u00e0 s\u1ebd d\u1ec5 d\u00e0ng qu\u00ean m\u1ea5t, th\u1eadm ch\u00ed b\u1ea5t ch\u1ea5p l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n.<\/p>\n

      *\u00a0 *<\/p>\n

      *<\/p>\n

      T\u00f3m l\u1ea1i, c\u00f2n nhi\u1ec1u v\u1ea5n \u0111\u1ec1 v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh. \u0110\u1eb7c bi\u1ec7t l\u00e0 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP v\u1ec1 B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD kh\u00f4ng r\u00f5 c\u00f3 hay kh\u00f4ng \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m. V\u1edbi h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt nh\u01b0 hi\u1ec7n nay v\u00e0 c\u00e1c quy \u0111\u1ecbnh trong hai Ngh\u1ecb \u0111\u1ecbnh n\u00f3i tr\u00ean, th\u00ec th\u1eadt kh\u00f3 c\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh ch\u1eafc ch\u1eafn \u0111i\u1ec1u g\u00ec.<\/p>\n

      R\u00f5 r\u00e0ng, kh\u00f4ng ch\u1ec9 c\u00f3 m\u1ed9t s\u1ed1 c\u00e1n b\u1ed9 Ng\u00e2n h\u00e0ng khi ph\u1ea3i ra tr\u01b0\u1edbc v\u00e0nh m\u00f3ng ng\u1ef1a m\u1edbi th\u00fa nh\u1eadn r\u1eb1ng m\u00ecnh kh\u00f4ng hi\u1ec3u bi\u1ebft ph\u00e1p lu\u1eadt. M\u1ed9t lu\u1eadt s\u01b0 c\u00f3 kh\u00e1 nhi\u1ec1u n\u0103m trong ngh\u1ec1 nh\u01b0 t\u00f4i c\u0169ng ch\u01b0a hi\u1ec3u bi\u1ebft ph\u00e1p lu\u1eadt! Ngay c\u1ea3 m\u1ed9t b\u1eadc th\u00e0y c\u1ee7a gi\u1edbi lu\u1eadt ch\u00fang t\u00f4i c\u0169ng \u201cs\u1ee3\u201d lu\u1eadt ph\u00e1p c\u1ee7a ch\u00fang ta hi\u1ec7n nay qua l\u1eddi t\u00e2m s\u1ef1: L\u00e0 m\u1ed9t gi\u00e1o s\u01b0 lu\u1eadt, d\u1ea1y lu\u1eadt \u1edf m\u1ed9t Tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc lu\u1eadt m\u00e0 nhi\u1ec1u l\u00fac c\u00f2n b\u1ecb r\u01a1i v\u00e0o m\u00ea h\u1ed3n tr\u1eadn c\u1ee7a c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt (?!).<\/p>\n

      Ch\u1ec9 m\u1ed9t l\u0129nh v\u1ef1c, m\u1ed9t v\u0103n b\u1ea3n, m\u1ed9t v\u1ea5n \u0111\u1ec1 lu\u1eadt ph\u00e1p \u0111\u00e3 th\u1ea5y r\u1eafc r\u1ed1i nh\u01b0 tr\u00ean, trong khi \u0111\u00f3, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng l\u1ea1i li\u00ean quan, \u0111\u1ed9ng ch\u1ea1m \u0111\u1ebfn r\u1ea5t nhi\u1ec1u l\u0129nh v\u1ef1c v\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt? Qu\u1ea3 l\u00e0 kh\u1ed1n kh\u00f3 cho c\u00e1n b\u1ed9 Ng\u00e2n h\u00e0ng ph\u1ea3i l\u00e0m vi\u1ec7c trong t\u00ecnh c\u1ea3nh ph\u00e1p lu\u1eadt n\u01b0\u1edbc nh\u00e0 c\u00f2n qu\u00e1 nhi\u1ec1u b\u1ea5t c\u1eadp v\u00e0 l\u1ea1c h\u1eadu, m\u00e2u thu\u1eabn v\u00e0 ch\u1ed3ng ch\u00e9o, chung chung v\u00e0 \u0111\u1ea1i kh\u00e1i, m\u01a1 h\u1ed3 v\u00e0 t\u1ea3n m\u1ea1n, ph\u1ee9c t\u1ea1p v\u00e0 c\u1ed3ng k\u1ec1nh, r\u1eafc r\u1ed1i v\u00e0 l\u1ed9n x\u1ed9n, d\u00e0i d\u00f2ng v\u00e0 l\u1ee7ng c\u1ee7ng, s\u01a1 h\u1edf v\u00e0 thi\u1ebfu s\u00f3t,… nh\u01b0 hi\u1ec7n nay.<\/p>\n

      Th\u1eadt kh\u00f3 s\u1ed1ng v\u00e0 l\u00e0m vi\u1ec7c theo Hi\u1ebfn ph\u00e1p v\u00e0 ph\u00e1p lu\u1eadt trong t\u00ecnh tr\u1ea1ng, lu\u1eadt m\u00e0 ch\u01b0a c\u00f3 ngh\u1ecb \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn th\u00ec \u201cch\u01b0a ph\u1ea3i\u201d l\u00e0 lu\u1eadt. R\u1ed3i \u0111\u1ebfn l\u01b0\u1ee3t ngh\u1ecb \u0111\u1ecbnh m\u00e0 ch\u01b0a c\u00f3 th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn th\u00ec c\u0169ng \u201cch\u01b0a th\u00e0nh\u201d ngh\u1ecb \u0111\u1ecbnh. Th\u1eadm ch\u00ed th\u00f4ng t\u01b0, l\u00e0 lo\u1ea1i v\u0103n b\u1ea3n ph\u00e1p quy c\u00f3 gi\u00e1 tr\u1ecb th\u1ea5p nh\u1ea5t c\u1ee7a c\u00e1c c\u01a1 quan \u1edf Trung \u01b0\u01a1ng, v\u1eabn c\u00f2n c\u1ea7n \u0111\u1ebfn nhi\u1ec1u c\u00f4ng v\u0103n h\u01b0\u1edbng d\u1eabn v\u00e0 tri\u1ec3n khai ti\u1ebfp th\u00ec m\u1edbi \u201cth\u00f4ng\u201d. T\u1ee9c l\u00e0, d\u00f9ng \u0111\u1ebfn c\u1ea3 lo\u1ea1i v\u0103n b\u1ea3n \u201cphi ph\u00e1p lu\u1eadt\u201d \u0111\u1ec3 h\u01b0\u1edbng d\u1eabn v\u00e0 thay th\u1ebf cho v\u0103n b\u1ea3n lu\u1eadt ph\u00e1p.<\/p>\n

      [1]<\/a> Tuy Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP kh\u00f4ng ghi c\u0103n c\u1ee9 ban h\u00e0nh l\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, nh\u01b0ng kh\u00f4ng th\u1ec3 kh\u00f4ng d\u1ef1a v\u00e0o v\u00e0o c\u00e1c quy \u0111\u1ecbnh mang t\u00ednh ch\u1ea5t nguy\u00ean t\u1eafc n\u1ec1n t\u1ea3ng c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

      [2]<\/a> Quy ch\u1ebf v\u1ec1 \u0110\u0103ng k\u00fd, chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu v\u00e0 th\u1ebf ch\u1ea5p t\u00e0u bay d\u00e2n d\u1ee5ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 971\/TTg ng\u00e0y 28-12-1996 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7.<\/p>\n

      [3]<\/a> Quy ch\u1ebf \u0110\u0103ng k\u00fd t\u00e0u bi\u1ec3n v\u00e0 thuy\u1ec1n vi\u00ean, ban h\u00e0nh k\u00e8m theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 91-CP ng\u00e0y 23-8-1997 c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n

      [4]<\/a> Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/1999\/N\u0110-CP ng\u00e0y 29-3-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Th\u1ee7 t\u1ee5c chuy\u1ec3n \u0111\u1ed5i, chuy\u1ec3n nh\u01b0\u1ee3ng, cho thu\u00ea, cho thu\u00ea l\u1ea1i, th\u1eeba k\u1ebf quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 th\u1ebf ch\u1ea5p, g\u00f3p v\u1ed1n b\u1eb1ng gi\u00e1 tr\u1ecb quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t<\/p>\n

      [5]<\/a> C\u1ee5m t\u1eeb \u201cdoanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c l\u1ea1i\u201d trong Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP, ch\u00ednh l\u00e0 kh\u00e1i ni\u1ec7m \u0111\u01b0\u1ee3c l\u1ea5y ra t\u1eeb Lu\u1eadt Doanh nghi\u1ec7p. M\u1eb7c d\u00f9 Ngh\u1ecb \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c ban h\u00e0nh v\u00e0 th\u1ef1c hi\u1ec7n tr\u01b0\u1edbc khi Lu\u1eadt Doanh nghi\u1ec7p c\u00f3 hi\u1ec7u l\u1ef1c, nh\u01b0ng vi\u1ec7c chuy\u1ec3n giao ngh\u0129a v\u1ee5 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p chuy\u1ec3n \u0111\u1ed5i doanh nghi\u1ec7p mang t\u00ednh nguy\u00ean t\u1eafc, kh\u00f4ng th\u1ec3 kh\u00f4ng t\u00ednh t\u1edbi. Trong th\u1ef1c th\u1ebf, m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n c\u00f2n \u201cgi\u00e1m\u201d sao ch\u1ee5p nguy\u00ean v\u0103n c\u1ea3 nh\u1eefng \u0111i\u1ec1u lu\u1eadt c\u1ee5 th\u1ec3 tr\u01b0\u1edbc khi c\u00f3 hi\u1ec7u l\u1ef1c. V\u00ed d\u1ee5, \u0110i\u1ec1u 4, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 103\/1999\/N\u0110-CP ng\u00e0y 10-9-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao kho\u00e1n, b\u00e1n, kho\u00e1n kinh doanh, cho thu\u00ea DNNN d\u00e3 vi\u1ec7n d\u1eabn v\u00e0 \u00e1p d\u1ee5ng \u0110i\u1ec1u 9, Lu\u1eadt Doanh nghi\u1ec7p tr\u01b0\u1edbc khi Lu\u1eadt n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c 3 th\u00e1ng.<\/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.\u00a0<\/strong><\/p>\n

      _______<\/p>\n

      B\u00e0i vi\u1ebft \u0111\u0103ng T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng 3-2000:<\/u><\/em><\/strong>","protected":false},"excerpt":{"rendered":"

      (TCNH) –\u00a0M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd c\u1ea7n xem x\u00e9t trong c\u00e1c quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay 1- Th\u1ebf n\u00e0o l\u00e0 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m? Trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 ng\u00e0y 28-10-1995 c\u00f3 quy \u0111\u1ecbnh 7 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1, bao g\u1ed3m: – C\u1ea7m c\u1ed1 […]<\/p>\n","protected":false},"author":7,"featured_media":4693,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26],"tags":[50,36],"class_list":["post-4692","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n54. 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