{"id":4735,"date":"2010-07-20T16:43:57","date_gmt":"2010-07-20T09:43:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4735"},"modified":"2024-11-07T15:05:52","modified_gmt":"2024-11-07T08:05:52","slug":"125-luat-cac-to-chuc-tin-dung-2010-khong-co-ngan-hang-tu-nhan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/125-luat-cac-to-chuc-tin-dung-2010-khong-co-ngan-hang-tu-nhan\/","title":{"rendered":"125. Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng &#8211; 2010:  Kh\u00f4ng c\u00f3 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n."},"content":{"rendered":"<h4><span style=\"color: #723918;\">Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng &#8211; 2010: Kh\u00f4ng c\u00f3 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n.<\/span><\/h4>\n<h5><strong><em>(HP) &#8211; Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) v\u1eeba \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2011, thay th\u1ebf Lu\u1eadt c\u00f9ng t\u00ean ban h\u00e0nh n\u0103m 1997 (lu\u1eadt hi\u1ec7n h\u00e0nh). B\u00ean c\u1ea1nh nh\u1eefng \u0111i\u1ec3m m\u1edbi, nhi\u1ec1u quy \u0111\u1ecbnh trong lu\u1eadt TCTD-2010 \u0111\u01b0\u1ee3c lu\u1eadt ho\u00e1 t\u1eeb nh\u1eefng ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 li\u00ean quan.<\/em><\/strong><\/h5>\n<h5><strong>R\u00f5 r\u00e0ng, ch\u1eb7t ch\u1ebd h\u01a1n<\/strong><\/h5>\n<p>V\u1ec1 t\u1ed5ng th\u1ec3, Lu\u1eadt TCTD n\u0103m 2010 quy \u0111\u1ecbnh theo h\u01b0\u1edbng c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng, ch\u1eb7t ch\u1ebd h\u01a1n nhi\u1ec1u so v\u1edbi Lu\u1eadt hi\u1ec7n h\u00e0nh. \u0110i\u1ec3n h\u00ecnh l\u00e0 quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u 90: \u201cTCTD kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh b\u1ea5t k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o ngo\u00e0i c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c ghi trong Gi\u1ea5y ph\u00e9p \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p cho TCTD\u201d.<br \/>\nN\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 TCTD th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb ho\u1eb7c thu\u1eadt ng\u1eef \u201cTCTD\u201d, \u201cng\u00e2n h\u00e0ng\u201d, \u201cc\u00f4ng ty t\u00e0i ch\u00ednh\u201d, \u201cc\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh\u201d ho\u1eb7c c\u00e1c c\u1ee5m t\u1eeb, thu\u1eadt ng\u1eef t\u01b0\u01a1ng t\u1ef1 d\u1eabn \u0111\u1ebfn c\u00f3 th\u1ec3 g\u00e2y nh\u1ea7m l\u1eabn cho kh\u00e1ch h\u00e0ng r\u1eb1ng \u0111\u00f3 l\u00e0 m\u1ed9t TCTD (\u0111i\u1ec1u 5).<br \/>\nLu\u1eadt m\u1edbi ti\u1ebfp t\u1ee5c kh\u1eb3ng \u0111\u1ecbnh quan \u0111i\u1ec3m kh\u00f4ng c\u00f3 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n b\u1eb1ng vi\u1ec7c quy \u0111\u1ecbnh: ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp d\u01b0\u1edbi h\u00ecnh th\u1ee9c duy nh\u1ea5t l\u00e0 c\u00f4ng ty c\u1ed5 ph\u1ea7n \u0111\u1ea1i ch\u00fang, v\u1edbi t\u1ed1i thi\u1ec3u l\u00e0 100 c\u1ed5 \u0111\u00f4ng, tr\u1eeb hai tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 l\u00e0 ng\u00e2n h\u00e0ng 100% v\u1ed1n nh\u00e0 n\u01b0\u1edbc v\u00e0 ng\u00e2n h\u00e0ng 100% v\u1ed1n n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p>&nbsp;<\/p>\n<div id=\"attachment_4737\" class=\"wp-caption alignright\" style=\"width: auto\"><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-4737 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-29-at-16.46.21-450x346.png\" alt=\"Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng - 2010: Kh\u00f4ng c\u00f3 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n.\" width=\"450\" height=\"346\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-29-at-16.46.21-450x346.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-29-at-16.46.21.png 524w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><p class=\"wp-caption-text\">Nh\u00e2n vi\u00ean Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n x\u0103ng d\u1ea7u Petrolimex ki\u1ec3m \u0111\u1ebfm ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng.\u00a0 \u1ea2nh: Duy Th\u00ednh<\/p><\/div>\n<p>Gi\u1edbi h\u1ea1n v\u1ec1 s\u1edf h\u1eefu v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi m\u1ed7i c\u1ed5 \u0111\u00f4ng b\u1ecb gi\u1ea3m th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi lu\u1eadt hi\u1ec7n h\u00e0nh. Tr\u01b0\u1edbc \u0111\u00e2y t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 40%, m\u1ed9t c\u00e1 nh\u00e2n l\u00ean \u0111\u1ebfn 20%. T\u1eeb cu\u1ed1i n\u0103m 2009, t\u1ef7 l\u1ec7 n\u00e0y l\u1ea7n l\u01b0\u1ee3t gi\u1ea3m xu\u1ed1ng c\u00f2n 20 v\u00e0 10%. Lu\u1eadt m\u1edbi ti\u1ebfp t\u1ee5c gi\u1ea3m xu\u1ed1ng c\u00e1c t\u1ef7 l\u1ec7 t\u01b0\u01a1ng \u1ee9ng c\u00f2n 15% v\u00e0 5% (\u0111i\u1ec1u 55).<\/p>\n<h5><strong>Nh\u00e2n s\u1ef1 kh\u1eaft khe<\/strong><\/h5>\n<p>Nh\u00e2n s\u1ef1 c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ed9i dung b\u1ecb qu\u1ea3n l\u00fd r\u1ea5t ch\u1eb7t ch\u1ebd. Ch\u1eb3ng h\u1ea1n nh\u1eefng ng\u01b0\u1eddi t\u1eebng b\u1ecb k\u1ebft \u00e1n b\u1ea5t k\u1ec3 v\u1ec1 t\u1ed9i g\u00ec \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed9i thu\u1ed9c khung h\u00ecnh ph\u1ea1t tr\u00ean 3 n\u0103m t\u00f9, d\u00f9 \u0111\u01b0\u1ee3c xo\u00e1 \u00e1n t\u00edch (ph\u00e1p lu\u1eadt coi nh\u01b0 ch\u01b0a ph\u1ea1m t\u1ed9i) v\u1eabn kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c l\u00e0m k\u1ebf to\u00e1n tr\u01b0\u1edfng hay gi\u1eef ch\u1ee9c danh t\u1eeb gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh tr\u1edf l\u00ean (\u0111i\u1ec1u 33). Ho\u1eb7c, n\u1ebfu Lu\u1eadt Doanh nghi\u1ec7p ch\u1ec9 c\u1ea5m t\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a c\u00f4ng ty c\u1ed5 ph\u1ea7n kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a m\u1ed9t doanh nghi\u1ec7p kh\u00e1c, th\u00ec Lu\u1eadt c\u00e1c TCTD n\u0103m 2010 c\u1ea5m c\u1ea3 ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a doanh nghi\u1ec7p kh\u00e1c (\u0111i\u1ec1u 34). V\u00e0 n\u1ebfu vi ph\u1ea1m \u0111\u01b0\u01a1ng nhi\u00ean b\u1ecb m\u1ea5t t\u01b0 c\u00e1ch ho\u1eb7c s\u1ebd b\u1ecb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0 \u0111\u00ecnh ch\u1ec9 vi\u1ec7c th\u1ef1c thi quy\u1ec1n h\u1ea1n (\u0111i\u1ec1u 36 v\u00e0 37).<br \/>\nNg\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 th\u00e0nh vi\u00ean \u0111\u1ed9c l\u1eadp c\u1ee7a h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb (H\u0110QT) v\u1edbi nh\u1eefng\u00a0 ti\u00eau chu\u1ea9n, \u0111i\u1ec1u ki\u1ec7n r\u1ea5t kh\u1eaft khe: kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi l\u00e0m vi\u1ec7c cho ch\u00ednh ng\u00e2n h\u00e0ng trong \u00edt nh\u1ea5t 3 n\u0103m tr\u01b0\u1edbc \u0111\u00f3; kh\u00f4ng s\u1edf h\u1eefu t\u1eeb tr\u00ean 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7,&#8230; (\u0111i\u1ec1u 50). T\u1ed5ng gi\u00e1m \u0111\u1ed1c ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 \u00edt nh\u1ea5t 5 n\u0103m l\u00e0m T\u1ed5ng gi\u00e1m \u0111\u1ed1c, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c doanh nghi\u1ec7p c\u00f3 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u00edt nh\u1ea5t 3.000 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean (t\u1ea1i th\u1eddi \u0111i\u1ec3m Lu\u1eadt b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c) ho\u1eb7c c\u00f3 \u00edt nh\u1ea5t 10 n\u0103m l\u00e0m vi\u1ec7c tr\u1ef1c ti\u1ebfp trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, k\u1ebf to\u00e1n ho\u1eb7c ki\u1ec3m to\u00e1n.<\/p>\n<h5><strong>R\u1ed9ng v\u1ec1 th\u1ea9m quy\u1ec1n, cao v\u1ec1 tr\u00e1ch nhi\u1ec7m<\/strong><\/h5>\n<p>V\u1ec1 ho\u1ea1t \u0111\u1ed9ng kinh doanh, Lu\u1eadt 2010 ghi nh\u1eadn m\u1edbi m\u1ed9t s\u1ed1 quy\u1ec1n c\u1ee7a TCTD nh\u01b0 c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng (\u0111i\u1ec1u 91). \u0110\u1ed3ng th\u1eddi c\u0169ng \u0111\u01b0a ra nhi\u1ec1u tr\u00e1ch nhi\u1ec7m kh\u00e1c nh\u01b0: TCTD ph\u1ea3i ban h\u00e0nh v\u00e0 g\u1eedi cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 \u0111\u1ed1i v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5, b\u1ea3o \u0111\u1ea3m c\u00f3 c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t, ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9, qu\u1ea3n l\u00fd r\u1ee7i ro g\u1eafn v\u1edbi t\u1eebng quy tr\u00ecnh nghi\u1ec7p v\u1ee5 kinh doanh (\u0111i\u1ec1u 93).<br \/>\nV\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, Lu\u1eadt hi\u1ec7n h\u00e0nh ch\u1ec9 quy \u0111\u1ecbnh vi\u1ec7c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n th\u00e0nh vi\u00ean H\u0110QT, T\u1ed5ng gi\u00e1m \u0111\u1ed1c, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng m\u00ecnh. Lu\u1eadt n\u0103m 2010 c\u1ea5m c\u1ea3 vi\u1ec7c b\u1ea3o l\u00e3nh, chi\u1ebft kh\u1ea5u,&#8230; v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y. \u0110\u1eb7c bi\u1ec7t l\u00e0 c\u1ea5m th\u00eam vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u1ea3 c\u00e1c doanh nghi\u1ec7p m\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n v\u1ed1n c\u1ed5 ph\u1ea7n \u0111\u01b0\u1ee3c b\u1ea7u l\u00e0m th\u00e0nh vi\u00ean H\u0110QT ho\u1eb7c Ban ki\u1ec3m so\u00e1t c\u1ee7a ng\u00e2n h\u00e0ng (\u0111i\u1ec1u 126). TCTD c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh ch\u1ee9ng kho\u00e1n nh\u01b0 tr\u01b0\u1edbc kia (\u0111i\u1ec1u 103).<br \/>\nM\u1ed9t \u0111i\u1ec3m r\u1ea5t quan tr\u1ecdng kh\u00e1c v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng. N\u1ebfu nh\u01b0 Lu\u1eadt hi\u1ec7n h\u00e0nh ch\u1ec9 quy \u0111\u1ecbnh TCTD \u0111\u01b0\u1ee3c quy\u1ec1n t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u v\u1ec1 vi\u1ec7c cung c\u1ea5p th\u00f4ng tin li\u00ean quan \u0111\u1ebfn \u201cti\u1ec1n g\u1eedi\u201d v\u00e0 \u201ct\u00e0i s\u1ea3n\u201d g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng, Lu\u1eadt m\u1edbi m\u1edf r\u1ed9ng h\u01a1n m\u1ed9t c\u00e1ch \u0111\u00e1ng k\u1ec3. Theo \u0111\u00f3, TCTD c\u00f3 th\u00eam ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m b\u00ed m\u1eadt th\u00f4ng tin li\u00ean quan \u0111\u1ebfn \u201ct\u00e0i kho\u1ea3n\u201d v\u00e0 c\u00e1c \u201cgiao d\u1ecbch\u201d c\u1ee7a kh\u00e1ch h\u00e0ng (\u0111i\u1ec1u 14). Nh\u01b0 v\u1eady, g\u1ea7n nh\u01b0 to\u00e0n b\u1ed9 c\u00e1c th\u00f4ng tin li\u00ean quan \u0111\u1ebfn kh\u00e1ch h\u00e0ng \u0111\u1ec1u \u0111\u01b0\u1ee3c b\u1ea3o m\u1eadt.<\/p>\n<h6><strong>&#8212;&#8212;<\/strong><\/h6>\n<p><strong>\u00a0<\/strong>Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua th\u00e1ng 6-2010, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2011, thay th\u1ebf Lu\u1eadt c\u00f9ng t\u00ean n\u0103m 1997. C\u00f3 r\u1ea5t nhi\u1ec1u \u0111i\u1ec3m m\u1edbi trong lu\u1eadt n\u00e0y, trong \u0111\u00f3 c\u00f3 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c lu\u1eadt ho\u00e1 t\u1eeb nh\u1eefng quy \u0111\u1ecbnh t\u1ea1i c\u00e1c ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 li\u00ean quan. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec3m m\u1edbi n\u1ed5i b\u1eadt, \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi quan t\u00e2m trong Lu\u1eadt c\u00e1c TCTD n\u0103m 2010.<\/p>\n<p>Nh\u00ecn v\u1ec1 t\u1ed5ng th\u1ec3, th\u00ec Lu\u1eadt n\u00e0y quy \u0111\u1ecbnh theo h\u01b0\u1edbng c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng h\u01a1n nh\u01b0ng c\u0169ng ch\u1eb7t ch\u1ebd h\u01a1n nhi\u1ec1u so v\u1edbi Lu\u1eadt hi\u1ec7n h\u00e0nh. \u0110i\u1ec3n h\u00ecnh l\u00e0 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 90: \u201c<em>TCTD kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh b\u1ea5t k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o ngo\u00e0i c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c ghi trong Gi\u1ea5y ph\u00e9p \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p cho TCTD<\/em>\u201d.<\/p>\n<p>N\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 TCTD th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb ho\u1eb7c thu\u1eadt ng\u1eef \u201cTCTD\u201d, \u201cng\u00e2n h\u00e0ng\u201d, \u201cc\u00f4ng ty t\u00e0i ch\u00ednh\u201d, \u201cc\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh\u201d ho\u1eb7c c\u00e1c c\u1ee5m t\u1eeb, thu\u1eadt ng\u1eef t\u01b0\u01a1ng t\u1ef1 d\u1eabn \u0111\u1ebfn c\u00f3 th\u1ec3 g\u00e2y nh\u1ea7m l\u1eabn cho kh\u00e1ch h\u00e0ng r\u1eb1ng \u0111\u00f3 l\u00e0 m\u1ed9t TCTD (\u0110i\u1ec1u 5). V\u00e0 ch\u1ec9 c\u00f3 TCTD th\u00ec m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n th\u01b0\u1eddng xuy\u00ean m\u1ed9t trong ba ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, \u0111\u00f3 l\u00e0 huy \u0111\u1ed9ng v\u1ed1n, c\u1ea5p t\u00edn d\u1ee5ng (cho vay, chi\u1ebft kh\u1ea5u, b\u1ea3o l\u00e3nh, ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng, bao thanh to\u00e1n,&#8230;) v\u00e0 l\u00e0m d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n (\u0110i\u1ec1u 8).<\/p>\n<p>Lu\u1eadt n\u00e0y ti\u1ebfp t\u1ee5c kh\u1eb3ng \u0111\u1ecbnh quan \u0111i\u1ec3m kh\u00f4ng c\u00f3 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n b\u1eb1ng vi\u1ec7c quy \u0111\u1ecbnh: Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp d\u01b0\u1edbi h\u00ecnh th\u1ee9c duy nh\u1ea5t l\u00e0 c\u00f4ng ty c\u1ed5 ph\u1ea7n \u0111\u1ea1i ch\u00fang, v\u1edbi t\u1ed1i thi\u1ec3u l\u00e0 100 c\u1ed5 \u0111\u00f4ng, tr\u1eeb hai tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 l\u00e0 ng\u00e2n h\u00e0ng 100% v\u1ed1n nh\u00e0 n\u01b0\u1edbc v\u00e0 ng\u00e2n h\u00e0ng 100% v\u1ed1n n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p>Gi\u1edbi h\u1ea1n v\u1ec1 s\u1edf h\u1eefu v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi m\u1ed7i c\u1ed5 \u0111\u00f4ng b\u1ecb gi\u1ea3m th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3: Tr\u01b0\u1edbc \u0111\u00e2y t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t doanh nghi\u1ec7p l\u00ean \u0111\u1ebfn 40%, m\u1ed9t c\u00e1 nh\u00e2n l\u00ean \u0111\u1ebfn 20%. T\u1eeb cu\u1ed1i n\u0103m 2009, t\u1ef7 l\u1ec7 n\u00e0y l\u1ea7n l\u01b0\u1ee3t gi\u1ea3m xu\u1ed1ng c\u00f2n 20 v\u00e0 10%. V\u00e0 \u0111\u1ebfn Lu\u1eadt n\u00e0y th\u00ec ti\u1ebfp t\u1ee5c gi\u1ea3m xu\u1ed1ng t\u01b0\u01a1ng \u1ee9ng c\u00f2n 15% v\u00e0 5% (\u0110i\u1ec1u 55). Vi\u1ec7c chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed5 ph\u1ea7n c\u1ee7a c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 5% v\u1ed1n tr\u1edf l\u00ean ho\u1eb7c bi\u1ebfn \u0111\u1ed9ng v\u1ed1n v\u01b0\u1ee3t tr\u00ean, d\u01b0\u1edbi 5% c\u0169ng \u0111\u1ec1u ph\u1ea3i \u0111\u01b0\u1ee3c NHNN ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc khi thay \u0111\u1ed5i (\u0110i\u1ec1u 29).<\/p>\n<p>Nh\u00e2n s\u1ef1 c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ed9i dung b\u1ecb qu\u1ea3n l\u00fd r\u1ea5t ch\u1eb7t ch\u1ebd. Ch\u1eb3ng h\u1ea1n nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 b\u1ecb k\u1ebft \u00e1n b\u1ea5t k\u1ec3 v\u1ec1 t\u1ed9i g\u00ec \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed9i thu\u1ed9c khung h\u00ecnh ph\u1ea1t tr\u00ean 3 n\u0103m t\u00f9, th\u00ec d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c xo\u00e1 \u00e1n t\u00edch (ph\u00e1p lu\u1eadt coi nh\u01b0 ch\u01b0a ph\u1ea1m t\u1ed9i) v\u1eabn s\u1ebd kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c ph\u00e9p l\u00e0m K\u1ebf to\u00e1n tr\u01b0\u1edfng hay gi\u1eef ch\u1ee9c danh t\u1eeb Gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh tr\u1edf l\u00ean (\u0110i\u1ec1u 33). Hay, n\u1ebfu Lu\u1eadt Doanh nghi\u1ec7p ch\u1ec9 c\u1ea5m T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a c\u00f4ng ty c\u1ed5 ph\u1ea7n kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a m\u1ed9t doanh nghi\u1ec7p kh\u00e1c, th\u00ec Lu\u1eadt c\u00e1c TCTD c\u1ea5m \u0111\u1ebfn c\u1ea3 Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a doanh nghi\u1ec7p kh\u00e1c (\u0110i\u1ec1u 34). V\u00e0 n\u1ebfu vi ph\u1ea1m, th\u00ec ho\u1eb7c l\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean b\u1ecb m\u1ea5t t\u01b0 c\u00e1ch ho\u1eb7c s\u1ebd b\u1ecb NHNN \u0111\u00ecnh ch\u1ec9 vi\u1ec7c th\u1ef1c thi quy\u1ec1n h\u1ea1n (\u0110i\u1ec3u 36 v\u00e0 37).<\/p>\n<p>Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n c\u00f2n b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 th\u00e0nh vi\u00ean \u0111\u1ed9c l\u1eadp c\u1ee7a H\u0110QT v\u1edbi nh\u1eefng \u00a0ti\u00eau chu\u1ea9n, \u0111i\u1ec1u ki\u1ec7n r\u1ea5t kh\u1eaft khe, nh\u01b0 kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi l\u00e0m vi\u1ec7c cho ch\u00ednh ng\u00e2n h\u00e0ng trong \u00edt nh\u1ea5t 3 n\u0103m tr\u01b0\u1edbc \u0111\u00f3; kh\u00f4ng s\u1edf h\u1eefu t\u1eeb tr\u00ean 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7,&#8230; (\u0110i\u1ec1u 50). T\u1ed5ng gi\u00e1m \u0111\u1ed1c ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 \u00edt nh\u1ea5t 5 n\u0103m l\u00e0m T\u1ed5ng gi\u00e1m \u0111\u1ed1c, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c doanh nghi\u1ec7p c\u00f3 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u00edt nh\u1ea5t l\u00e0 3.000 t\u1ef7 \u0111\u1ed3ng (t\u1ea1i th\u1eddi \u0111i\u1ec3m Lu\u1eadt b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c) ho\u1eb7c c\u00f3 \u00edt nh\u1ea5t 10 n\u0103m l\u00e0m vi\u1ec7c tr\u1ef1c ti\u1ebfp trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, k\u1ebf to\u00e1n ho\u1eb7c ki\u1ec3m to\u00e1n.<\/p>\n<p>V\u1ec1 ho\u1ea1t \u0111\u1ed9ng kinh doanh, Lu\u1eadt 2010 \u0111\u00e3 ghi nh\u1eadn m\u1edbi m\u1ed9t s\u1ed1 quy\u1ec1n c\u1ee7a TCTD nh\u01b0 c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng (\u0110i\u1ec1u 91). \u0110\u1ed3ng th\u1eddi c\u0169ng \u0111\u01b0a ra nhi\u1ec1u tr\u00e1ch nhi\u1ec7m kh\u00e1c nh\u01b0: TCTD ph\u1ea3i ban h\u00e0nh v\u00e0 g\u1eedi cho NHNN m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 \u0111\u1ed1i v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5, b\u1ea3o \u0111\u1ea3m c\u00f3 c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t, ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9, qu\u1ea3n l\u00fd r\u1ee7i ro g\u1eafn v\u1edbi t\u1eebng quy tr\u00ecnh nghi\u1ec7p v\u1ee5 kinh doanh (\u0110i\u1ec1u 93).<\/p>\n<p>V\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, Lu\u1eadt 1997 ch\u1ec9 quy \u0111\u1ecbnh vi\u1ec7c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n th\u00e0nh vi\u00ean H\u0110QT, T\u1ed5ng gi\u00e1m \u0111\u1ed1c, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng m\u00ecnh. C\u00f2n Lu\u1eadt 2010 quy \u0111\u1ecbnh c\u1ea5m c\u1ea3 vi\u1ec7c b\u1ea3o l\u00e3nh, chi\u1ebft kh\u1ea5u,&#8230; v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y. \u0110\u1eb7c bi\u1ec7t l\u00e0 c\u1ea5m th\u00eam vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u1ea3 c\u00e1c doanh nghi\u1ec7p m\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n v\u1ed1n c\u1ed5 ph\u1ea7n \u0111\u01b0\u1ee3c b\u1ea7u l\u00e0m th\u00e0nh vi\u00ean H\u0110QT ho\u1eb7c Ban ki\u1ec3m so\u00e1t c\u1ee7a ng\u00e2n h\u00e0ng (\u0110i\u1ec1u 126). TCTD c\u0169ng kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh ch\u1ee9ng kho\u00e1n nh\u01b0 tr\u01b0\u1edbc kia (\u0110i\u1ec1u 103).<\/p>\n<p>M\u1ed9t \u0111i\u1ec3m r\u1ea5t quan tr\u1ecdng kh\u00e1c l\u00e0 v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng. N\u1ebfu nh\u01b0 Lu\u1eadt hi\u1ec7n h\u00e0nh ch\u1ec9 quy \u0111\u1ecbnh TCTD \u0111\u01b0\u1ee3c quy\u1ec1n t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u v\u1ec1 vi\u1ec7c cung c\u1ea5p th\u00f4ng tin li\u00ean quan \u0111\u1ebfn \u201cti\u1ec1n g\u1eedi\u201d v\u00e0 \u201ct\u00e0i s\u1ea3n\u201d g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng, th\u00ec Lu\u1eadt m\u1edbi \u0111\u00e3 m\u1edf r\u1ed9ng h\u01a1n m\u1ed9t c\u00e1ch \u0111\u00e1ng k\u1ec3. Theo \u0111\u00f3, TCTD c\u00f2n c\u00f3 th\u00eam ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m b\u00ed m\u1eadt th\u00f4ng tin li\u00ean quan \u0111\u1ebfn \u201ct\u00e0i kho\u1ea3n\u201d v\u00e0 c\u00e1c \u201cgiao d\u1ecbch\u201d c\u1ee7a kh\u00e1ch h\u00e0ng (\u0110i\u1ec1u 14). Nh\u01b0 v\u1eady, g\u1ea7n nh\u01b0 to\u00e0n b\u1ed9 c\u00e1c th\u00f4ng tin li\u00ean quan \u0111\u1ebfn kh\u00e1ch h\u00e0ng \u0111\u1ec1u \u0111\u01b0\u1ee3c b\u1ea3o m\u1eadt. V\u00ed d\u1ee5, tr\u01b0\u1edbc \u0111\u00e2y giao d\u1ecbch thanh to\u00e1n hay giao d\u1ecbch vay v\u1ed1n, th\u1ebf ch\u1ea5p c\u1ee7a kh\u00e1ch h\u00e0ng kh\u00f4ng thu\u1ed9c di\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o m\u1eadt th\u00f4ng tin, th\u00ec theo Lu\u1eadt n\u00e0y, c\u0169ng \u0111\u01b0\u1ee3c b\u1ea3o m\u1eadt nh\u01b0 th\u00f4ng tin v\u1ec1 ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng.<\/p>\n<p>V\u1edbi 161 \u0110i\u1ec1u lu\u1eadt, nhi\u1ec1u h\u01a1n Lu\u1eadt hi\u1ec7n h\u00e0nh 30 \u0110i\u1ec1u, nh\u01b0ng Lu\u1eadt n\u00e0y v\u1eabn c\u1ea7n h\u00e0ng ch\u1ee5c v\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 NHNN. V\u00e0 nh\u1eefng v\u0103n b\u1ea3n \u0111\u00f3 s\u1ebd ti\u1ebfp t\u1ee5c c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi so v\u1edbi tr\u01b0\u1edbc kia.<\/p>\n<hr \/>\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>&#8212;&#8212;-<\/p>\n<p><strong><em>B\u00e0i vi\u1ebft \u0111\u0103ng B\u00e1o H\u1ea3i Ph\u00f2ng ng\u00e0y 20-7-2010<\/em><\/strong>","protected":false},"excerpt":{"rendered":"<p>Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng &#8211; 2010: Kh\u00f4ng c\u00f3 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n. (HP) &#8211; Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) v\u1eeba \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2011, thay th\u1ebf Lu\u1eadt c\u00f9ng t\u00ean ban h\u00e0nh n\u0103m 1997 (lu\u1eadt hi\u1ec7n h\u00e0nh). B\u00ean c\u1ea1nh nh\u1eefng \u0111i\u1ec3m m\u1edbi, nhi\u1ec1u quy \u0111\u1ecbnh [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4737,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[36],"class_list":["post-4735","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":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>125. 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