{"id":4705,"date":"2000-01-27T16:04:15","date_gmt":"2000-01-27T09:04:15","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4705"},"modified":"2024-11-15T14:08:15","modified_gmt":"2024-11-15T07:08:15","slug":"52-su-lien-quan-giua-quy-dinh-ve-giao-dich-bao-dam-va-bao-dam-tien-vat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/52-su-lien-quan-giua-quy-dinh-ve-giao-dich-bao-dam-va-bao-dam-tien-vat\/","title":{"rendered":"52b. S\u1ef1 li\u00ean quan gi\u1eefa quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay"},"content":{"rendered":"<h4><span style=\"color: #723918;\">S\u1ef1 li\u00ean quan gi\u1eefa quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay<\/span><\/h4>\n<h5>(<strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong>) &#8211; Vi\u1ec7c cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m l\u00e0 \u0111i\u1ec1u ki\u1ec7n s\u1ed1ng c\u00f2n \u0111\u1ed1i v\u1edbi c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh s\u1ef1 an to\u00e0n v\u1ed1n trong kinh doanh ti\u1ec1n t\u1ec7. S\u1ef1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u00f3 th\u1ec3 l\u00e0 b\u1eb1ng t\u00e0i s\u1ea3n ho\u1eb7c kh\u00f4ng b\u1eb1ng t\u00e0i s\u1ea3n. K\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n, th\u00ec v\u1eabn ph\u1ea3i c\u00f3 nh\u1eefng s\u1ef1 b\u1ea3o \u0111\u1ea3m kh\u00e1c, nh\u01b0 ph\u01b0\u01a1ng \u00e1n kinh doanh ph\u1ea3i c\u00f3 kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3 v\u1ed1n vay, \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc b\u00f9 ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t ho\u1eb7c xo\u00e1 n\u1ee3,&#8230;<\/h5>\n<p>Vi\u1ec7c cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n v\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m \u0111\u00e3 \u0111\u01b0\u1ee3c \u0110i\u1ec1u 52, Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) ch\u00ednh th\u1ee9c ghi nh\u1eadn v\u00e0 giao cho Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh.<\/p>\n<p>Hi\u1ec7n nay, c\u00f3 hai c\u00e1ch hi\u1ec3u, hai quan \u0111i\u1ec3m v\u1ec1 Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP: C\u00f3 \u00e1p d\u1ee5ng v\u00e0 kh\u00f4ng \u00e1p d\u1ee5ng cho vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a Ng\u00e2n h\u00e0ng.<\/p>\n<p>Quan \u0111i\u1ec3m cho r\u1eb1ng Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP c\u0169ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a Ng\u00e2n h\u00e0ng d\u1ef1a tr\u00ean l\u1eadp lu\u1eadn: H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ch\u1eb3ng qua c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf ho\u1eb7c m\u1ed9t h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1, cho n\u00ean vi\u1ec7c cho vay v\u00e0 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m trong cho vay c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng c\u0169ng ho\u00e0n to\u00e0n tu\u00e2n theo hai lo\u1ea1i quy \u0111\u1ecbnh chung v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf (vay v\u1ed1n) trong Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf. Trong khi \u0111\u00f3, kho\u1ea3n 2, \u0110i\u1ec1u 1 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP c\u0169ng \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5: \u201c<em>Trong tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh kh\u00e1c, 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<\/em>\u201d. \u0110\u1ed3ng th\u1eddi Ngh\u1ecb \u0111\u1ecbnh n\u00e0y c\u0169ng thay th\u1ebf cho c\u00e1c quy \u0111\u1ecbnh t\u01b0\u01a1ng \u1ee9ng 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.<\/p>\n<p>V\u00e0 kho\u1ea3n 1, \u0110i\u1ec1u 42 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP c\u0169ng quy \u0111\u1ecbnh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u00e0 m\u1ed9t trong c\u00e1c c\u01a1 quan c\u00f3 tr\u00e1ch nhi\u1ec7m h\u01b0\u1edbng d\u1eabn thi h\u00e0nh. N\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 h\u01b0\u1edbng d\u1eabn li\u00ean quan \u0111\u1ebfn vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay th\u00ec c\u1ea7n g\u00ec ph\u1ea3i ghi \u0111\u00edch danh nh\u01b0 v\u1eady?<\/p>\n<p>Ngo\u00e0i ra, Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP c\u0169ng c\u00f3 c\u00e1c quy \u0111\u1ecbnh m\u00e0 l\u00e2u nay v\u1eabn \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1eb7c tr\u01b0ng c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng, nh\u01b0 vi\u1ec7c nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 h\u00e0ng ho\u00e1 lu\u00e2n chuy\u1ec3n trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t, kinh doanh; t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai (t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n vay, m\u1ed9t quy \u0111\u1ecbnh c\u0169ng ch\u01b0a \u0111\u01b0\u1ee3c ghi nh\u1eadn trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1). H\u01a1n th\u1ebf n\u1eefa, Ngh\u1ecb \u0111\u1ecbnh n\u00e0y c\u00f2n \u0111\u01b0\u1ee3c ban h\u00e0nh c\u00f9ng ng\u00e0y v\u00e0 li\u1ec1n s\u1ed1 th\u1ee9 t\u1ef1 v\u1edbi Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 Ch\u1ebf \u0111\u1ed9 t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi c\u00e1c TCTD.<\/p>\n<p>Nh\u01b0 v\u1eady, c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 cho r\u1eb1ng vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh vay v\u1ed1n Ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i th\u1ef1c hi\u1ec7n theo Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP, c\u0169ng nh\u01b0 tr\u01b0\u1edbc kia, b\u00ean c\u1ea1nh c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eabn ph\u1ea3i \u0111\u1ed3ng th\u1eddi th\u1ef1c hi\u1ec7n Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BT ng\u00e0y 16-1-1990 v\u00e0 Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1, m\u00e0 hi\u1ec7n nay \u0111\u00e3 \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng c\u00e1c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n<p>N\u1ebfu nh\u01b0 \u00e1p d\u1ee5ng Ngh\u1ecb \u0111\u1ecbnh n\u00e0y v\u00e0o quan h\u1ec7 t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, th\u00ec h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3 \u0111i\u1ec3m n\u00e0o thu\u1eadn l\u1ee3i h\u01a1n m\u00e0 ch\u1ec9 c\u00f3 kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc th\u00eam.\u00a0 \u0110\u1eb7c bi\u1ec7t l\u00e0, c\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t b\u1ea5t h\u1ee3p l\u00fd n\u1ebfu \u00e1p d\u1ee5ng Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP v\u00e0o vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay Ng\u00e2n h\u00e0ng nh\u01b0 sau:<\/p>\n<p><strong><em>Th\u1ee9 nh\u1ea5t,<\/em><\/strong> ho\u1ea1t \u0111\u1ed9ng Ng\u00e2n h\u00e0ng n\u00f3i chung v\u00e0 vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng n\u00f3i ri\u00eang l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c \u0111\u1eb7c th\u00f9, \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh ri\u00eang b\u1eb1ng Lu\u1eadt c\u00e1c TCTD nh\u01b0ng Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP ng\u00e0y 19-11-1999 l\u1ea1i ch\u1ec9 c\u0103n c\u1ee9 v\u00e0o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u00e0 l\u1ea1i kh\u00f4ng c\u0103n c\u1ee9 v\u00e0o Lu\u1eadt c\u00e1c TCTD. Ngay t\u1eeb v\u1ea5n \u0111\u1ec1 c\u00f3 t\u00ednh nguy\u00ean t\u1eafc chung c\u0169ng kh\u00e1c nhau, \u0111\u00f3 l\u00e0 cho vay th\u01b0\u01a1ng m\u1ea1i hay d\u00e2n s\u1ef1 \u0111\u1ec1u kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n, trong khi \u0111\u00f3 cho vay c\u1ee7a Ng\u00e2n h\u00e0ng, tuy c\u0169ng l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf ho\u1eb7c d\u00e2n s\u1ef1 (hi\u1ec3u theo ngh\u0129a r\u1ed9ng th\u00ec c\u00f2n l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng trong l\u0129nh v\u1ef1c th\u01b0\u01a1ng m\u1ea1i), nh\u01b0ng ph\u00e1p lu\u1eadt l\u1ea1i quy \u0111\u1ecbnh ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.\u00a0 V\u00ec v\u1eady, vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c x\u1eed l\u00fd ri\u00eang, ch\u1ee9 kh\u00f4ng th\u1ec3 cho r\u1eb1ng giao d\u1ecbch b\u1ea3o \u0111\u1ea3m trong nghi\u1ec7p v\u1ee5 cho vay c\u1ee7a Ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay kh\u00e1c trong kinh t\u1ebf (th\u01b0\u01a1ng m\u1ea1i) v\u00e0 d\u00e2n s\u1ef1. Ch\u1eb3ng h\u1ea1n, c\u00e1c lo\u1ea1i cho vay kh\u00e1c ch\u1ec9 c\u1ea7n th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 6 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP l\u00e0 \u201cGi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ph\u1ea3i l\u1edbn h\u01a1n t\u1ed5ng gi\u00e1 tr\u1ecb c\u00e1c ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m\u201d, nh\u01b0ng cho vay c\u1ee7a Ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf th\u00ec r\u1ea5t nguy hi\u1ec3m v\u00ec c\u1ea7n m\u1ed9t gi\u1edbi h\u1ea1n c\u1ee5 th\u1ec3 v\u00e0 an to\u00e0n cao h\u01a1n.<\/p>\n<p><strong><em>Th\u1ee9 hai,<\/em><\/strong> h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng kh\u00f4ng nh\u1eefng c\u00f3 r\u1ea5t nhi\u1ec1u \u0111\u1eb7c th\u00f9 r\u1ea5t c\u01a1 b\u1ea3n, v\u01b0\u1ee3t ra ngo\u00e0i c\u00e1c nguy\u00ean t\u1eafc v\u00e0 khu\u00f4n kh\u1ed5 quy \u0111\u1ecbnh c\u1ee7a h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 v\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf m\u00e0 c\u00f2n c\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u00f2n \u0111\u01b0\u1ee3c l\u1ea5y l\u00e0m c\u0103n c\u1ee9 \u0111\u1ec3 k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 v\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf (th\u01b0\u01a1ng m\u1ea1i). M\u1ed9t trong nh\u1eefng v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh, \u0111\u00f3 l\u00e0 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 v\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf l\u1ea5y l\u00e3i su\u1ea5t cho vay v\u00e0 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng (do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh) l\u00e0m c\u01a1 s\u1edf \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00ednh h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1c tho\u1ea3 thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay v\u00e0 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t khi c\u00f3 s\u1ef1 vi ph\u1ea1m ngh\u0129a v\u1ee5 thanh to\u00e1n (\u0110i\u1ec1u 13, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BT ng\u00e0y 16-1-1990; \u0110i\u1ec1u 233, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i; c\u00e1c \u0110i\u1ec1u 313 v\u00e0 473, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1,&#8230;).<\/p>\n<p><strong><em>Th\u1ee9 ba,<\/em><\/strong> c\u0169ng do t\u1ea7m quan tr\u1ecdng v\u00e0 t\u00ednh \u0111\u1eb7c th\u00f9 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng kinh doanh ti\u1ec1n t\u1ec7, n\u00ean c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay ph\u1ea3i \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau cao nh\u1ea5t l\u00e0 b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u1ed1n vay, h\u1ed7 tr\u1ee3 c\u00e1c Ng\u00e2n h\u00e0ng nhanh ch\u00f3ng, d\u1ec5 d\u00e0ng trong vi\u1ec7c x\u1eed l\u00fd, thu h\u1ed3i n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i th\u00f4ng qua c\u00e1c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, nh\u1ea5t l\u00e0 trong th\u1eddi k\u1ef3 hi\u1ec7n nay. Nh\u1eefng \u0111i\u1ec1u n\u00e0y kh\u00f4ng th\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c trong Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP. \u0110\u1ec3 n\u00e2ng cao s\u1ef1 an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng cho vay, Ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i h\u01a1n, c\u00f3 quy\u1ec1n r\u1ed9ng h\u01a1n th\u00ec m\u1edbi t\u01b0\u01a1ng \u1ee9ng v\u1edbi tr\u00e1ch nhi\u1ec7m n\u1eb7ng n\u1ec1 ph\u1ea3i \u0111\u1ea3m nh\u1eadn, trong \u0111\u00f3 c\u00f3 tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 n\u1ebfu vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 m\u1edbi (s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1-7-2000).<\/p>\n<p>T\u00f3m l\u1ea1i, Ngh\u1ecb \u0111\u1ecbnh 165\/1999\/N\u0110-CP ng\u00e0y 19-11-1999 v\u1ec1 B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh kh\u00f3 c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a Ng\u00e2n h\u00e0ng. V\u00ec v\u1eady, theo ch\u00fang t\u00f4i vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh trong nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i th\u1ef1c hi\u1ec7n theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y. H\u01a1n bao gi\u1edd h\u1ebft, hi\u1ec7n nay c\u00e0ng c\u1ea7n c\u00f3 m\u1ed9t Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u1ec3 \u00e1p d\u1ee5ng cho ng\u00e0nh Ng\u00e2n h\u00e0ng, trong \u0111\u00f3 c\u1ea7n kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c nh\u1eefng h\u1ea1n ch\u1ebf, v\u01b0\u1edbng m\u1eafc n\u00f3i tr\u00ean.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">,<\/a> Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n<p>______<\/p>\n<p><strong><em>H\u1ea3i Ph\u00f2ng 1-2000<\/em><\/strong>","protected":false},"excerpt":{"rendered":"<p>S\u1ef1 li\u00ean quan gi\u1eefa quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay (ANVI) &#8211; Vi\u1ec7c cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m l\u00e0 \u0111i\u1ec1u ki\u1ec7n s\u1ed1ng c\u00f2n \u0111\u1ed1i v\u1edbi c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh s\u1ef1 an to\u00e0n v\u1ed1n trong kinh doanh ti\u1ec1n t\u1ec7. S\u1ef1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4707,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,36],"class_list":["post-4705","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>52b. S\u1ef1 li\u00ean quan gi\u1eefa quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay: S\u1ef1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u00f3 th\u1ec3 l\u00e0 b\u1eb1ng t\u00e0i s\u1ea3n ho\u1eb7c kh\u00f4ng b\u1eb1ng t\u00e0i s\u1ea3n. Cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m\" \/>\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\/52-su-lien-quan-giua-quy-dinh-ve-giao-dich-bao-dam-va-bao-dam-tien-vat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]52b. 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