{"id":47380,"date":"2025-04-22T11:52:14","date_gmt":"2025-04-22T04:52:14","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=47380"},"modified":"2025-04-23T11:24:27","modified_gmt":"2025-04-23T04:24:27","slug":"4-045-sua-luat-cac-to-chuc-tin-dung-can-luat-hoa-quyen-thu-giu-tai-san-bao-dam","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-045-sua-luat-cac-to-chuc-tin-dung-can-luat-hoa-quyen-thu-giu-tai-san-bao-dam\/","title":{"rendered":"4.045. S\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng: C\u1ea7n lu\u1eadt h\u00f3a quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m."},"content":{"rendered":"

S\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng: C\u1ea7n lu\u1eadt h\u00f3a quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/strong><\/span><\/h4>\n
(N\u0110T) – M\u1ed9t trong ba nh\u00f3m ch\u00ednh s\u00e1ch t\u1eeb Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec1 xu\u1ea5t lu\u1eadt h\u00f3a khi s\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/h5>\n
Ngu\u1ed3n l\u1ef1c l\u1edbn \u0111ang b\u1ecb “giam gi\u1eef”<\/strong><\/h5>\n

B\u00e1o \u0110\u1ea1i bi\u1ec3u Nh\u00e2n d\u00e2n\u00a0<\/a>v\u1eeba t\u1ed5 ch\u1ee9c t\u1ecda \u0111\u00e0m “T\u1ea1o l\u1eadp khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u1ed3ng b\u1ed9 v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u (XLNX)”, th\u1ea3o lu\u1eadn chuy\u00ean s\u00e2u v\u1ec1 \u0111\u1ecbnh h\u01b0\u1edbng ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd XLNX trong b\u1ed1i c\u1ea3nh Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 v\u1ec1 th\u00ed \u0111i\u1ec3m XLNX c\u1ee7a\u00a0c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u00a0(TCTD) \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c (Ngh\u1ecb quy\u1ebft 42)<\/p>\n

C\u00e1c \u00fd ki\u1ebfn \u0111\u00e1nh gi\u00e1 cao vai tr\u00f2 c\u1ee7a Ngh\u1ecb quy\u1ebft 42 \u0111\u00e3 g\u00f3p ph\u1ea7n t\u1ea1o l\u1eadp c\u01a1 ch\u1ebf ph\u00e1p l\u00fd \u0111\u1eb7c th\u00f9, gi\u00fap c\u00e1c TCTD \u0111\u1ea9y nhanh XLNX, b\u1ea3o \u0111\u1ea3m an to\u00e0n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.<\/p>\n

Tuy nhi\u00ean, k\u1ec3 t\u1eeb ng\u00e0y 1\/1\/2024, Ngh\u1ecb quy\u1ebft 42 \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c thi h\u00e0nh, trong khi nhi\u1ec1u quy \u0111\u1ecbnh c\u1ed1t l\u00f5i ch\u01b0a \u0111\u01b0\u1ee3c lu\u1eadt h\u00f3a trong Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) n\u0103m 2024, g\u00e2y ra kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u qu\u1ea3 XLNX v\u00e0 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n.<\/p>\n

TS. L\u00ea Duy B\u00ecnh, Gi\u00e1m \u0111\u1ed1c Economica Vi\u1ec7t Nam d\u1eabn ch\u1ee9ng, v\u1edbi d\u01b0 n\u1ee3 n\u1ec1n kinh t\u1ebf kho\u1ea3ng 16 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng hi\u1ec7n nay, n\u1ebfu t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u v\u00e0o kho\u1ea3ng 6 – 7% th\u00ec con s\u1ed1 n\u1ee3 tuy\u1ec7t \u0111\u1ed1i l\u00ean t\u1edbi h\u01a1n 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng – t\u01b0\u01a1ng \u0111\u01b0\u01a1ng g\u1ea7n 40 t\u1ef7 USD. “\u0110\u00e2y l\u00e0 ngu\u1ed3n v\u1ed1n kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3, tr\u1edf th\u00e0nh v\u1ed1n “ch\u1ebft””, TS. B\u00ecnh ph\u00e1t bi\u1ec3u.<\/p>\n

TS. L\u00ea Duy B\u00ecnh, Gi\u00e1m \u0111\u1ed1c Economica Vi\u1ec7t Nam. \u1ea2nh: \u0110BND.<\/h6>\n

\u0110\u00e1ng n\u00f3i h\u01a1n, theo chuy\u00ean gia \u0111\u1ebfn t\u1eeb Economica Vi\u1ec7t Nam, t\u00e1c h\u1ea1i kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf con s\u1ed1 kh\u1ed5ng l\u1ed3 \u0111\u00f3. “Kh\u00f4ng ch\u1ec9 ngu\u1ed3n v\u1ed1n b\u1ecb “\u0111\u00f3ng b\u0103ng”, m\u00e0 nh\u1eefng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111i k\u00e8m c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c khai th\u00e1c do v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd. T\u1ee9c l\u00e0 \u0111ang ch\u1ecbu t\u00e1c \u0111\u1ed9ng k\u00e9p, v\u1eeba m\u1ea5t \u0111i ngu\u1ed3n t\u00edn d\u1ee5ng, v\u1eeba \u0111\u1ec3 t\u00e0i s\u1ea3n “ch\u1ebft”\u2026”, Gi\u00e1m \u0111\u1ed1c Economica Vi\u1ec7t Nam ph\u00e2n t\u00edch.<\/p>\n

\u0110\u1ed3ng th\u1eddi cho r\u1eb1ng, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u 6% l\u00e0 con s\u1ed1 r\u1ea5t cao n\u1ebfu so v\u1edbi m\u1ee9c trung b\u00ecnh 2 – 3% c\u1ee7a c\u00e1c n\u1ec1n kinh t\u1ebf \u0111ang ph\u00e1t tri\u1ec3n. \u0110i\u1ec1u n\u00e0y \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 t\u1ea1o \u00e1p l\u1ef1c l\u1edbn trong vi\u1ec7c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro – y\u1ebfu t\u1ed1 \u0111\u1ea9y l\u00e3i su\u1ea5t cho vay t\u0103ng cao.<\/p>\n

Theo TS. B\u00ecnh, l\u00e3i su\u1ea5t cao hi\u1ec7n nay m\u1ed9t ph\u1ea7n l\u00e0 do c\u00e1c ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng l\u1edbn. Chi ph\u00ed n\u00e0y kh\u00f4ng th\u1ec3 c\u1eaft gi\u1ea3m d\u00f9 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hay c\u1ea3i c\u00e1ch quy tr\u00ecnh. \u0110\u00e2y l\u00e0 h\u1ec7 l\u1ee5y k\u00e9o d\u00e0i kh\u00f4ng ch\u1ec9 v\u1edbi h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh m\u00e0 v\u1edbi to\u00e0n b\u1ed9 n\u1ec1n kinh t\u1ebf\u2026.<\/p>\n

Quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n l\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean ?<\/strong><\/h5>\n

Kh\u1eb3ng \u0111\u1ecbnh m\u1ee5c \u0111\u00edch, \u00fd ngh\u0129a c\u1ee7a vi\u1ec7c XLNX l\u00e0 r\u1ea5t quan tr\u1ecdng v\u00e0 v\u00f4 c\u00f9ng c\u1ea7n thi\u1ebft, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI nh\u1ea5n m\u1ea1nh, r\u1ea5t c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf x\u1eed l\u00fd hi\u1ec7u qu\u1ea3 \u0111\u1ec3 b\u1ea3o v\u1ec7 ch\u1ee7 n\u1ee3 v\u00e0 th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf, trong \u0111\u00f3 c\u00f3 l\u01b0u chuy\u1ec3n d\u00f2ng v\u1ed1n.<\/p>\n

Chia s\u1ebb v\u1ec1 s\u1ef1 ra \u0111\u1eddi c\u1ee7a Ngh\u1ecb quy\u1ebft 42, lu\u1eadt s\u01b0 \u0110\u1ee9c cho bi\u1ebft, Ngh\u1ecb quy\u1ebft 42 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua v\u00e0o n\u0103m 2017 l\u00e0 Ngh\u1ecb quy\u1ebft th\u00ed \u0111i\u1ec3m \u0111\u1ec3 “ch\u1eefa ch\u00e1y” tr\u01b0\u1edbc nguy c\u01a1 n\u1ee3 x\u1ea5u qu\u00e1 nghi\u00eam tr\u1ecdng. Ngh\u1ecb quy\u1ebft \u0111\u00e3 \u0111\u01b0\u1ee3c gia h\u1ea1n v\u00e0o n\u0103m 2020. N\u1ed9i dung n\u00e0y mu\u1ed1n \u0111\u01b0a v\u00e0o Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 nh\u01b0ng \u0111\u00e3 b\u1ecb b\u00e1c b\u1ecf sau r\u1ea5t nhi\u1ec1u v\u00f2ng th\u1ea3o lu\u1eadn k\u1ef9 l\u01b0\u1ee1ng v\u00e0 c\u0103ng th\u1eb3ng.<\/p>\n

Lu\u1eadt h\u00f3a l\u00e0 m\u1ed9t y\u00eau c\u1ea7u c\u1ea7n thi\u1ebft trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay, tuy nhi\u00ean, vi\u1ec7c chuy\u1ec3n h\u00f3a c\u00e1c quy \u0111\u1ecbnh mang t\u00ednh th\u00ed \u0111i\u1ec3m th\u00e0nh lu\u1eadt \u0111\u00f2i h\u1ecfi ph\u1ea3i \u0111\u1ea3m b\u1ea3o t\u00ednh h\u1ee3p hi\u1ebfn, h\u1ee3p ph\u00e1p v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ef1 c\u00f4ng b\u1eb1ng gi\u1eefa c\u00e1c b\u00ean li\u00ean quan, bao g\u1ed3m TCTD, kh\u00e1ch h\u00e0ng vay v\u1ed1n v\u00e0 c\u00e1c ch\u1ee7 th\u1ec3 c\u00f3 quy\u1ec1n l\u1ee3i li\u00ean \u0111\u1edbi kh\u00e1c\u2026.<\/p>\n

\u00d4ng Phan \u0110\u1ee9c Hi\u1ebfu, \u1ee6y vi\u00ean chuy\u00ean tr\u00e1ch \u1ee6y ban Kinh t\u1ebf v\u00e0 T\u00e0i ch\u00ednh c\u1ee7a Qu\u1ed1c h\u1ed9i<\/h6>\n

Theo v\u1ecb lu\u1eadt s\u01b0, tr\u01b0\u1edbc \u0111\u00f3, khi x\u00e2y d\u1ef1ng B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u0169ng \u0111\u00e3 b\u00e0n nhi\u1ec1u v\u1ec1 vi\u1ec7c n\u00e0y v\u00e0 ch\u1ed1t “kh\u00f4ng c\u00f3 quy\u1ec1n thu gi\u1eef”. \u0110\u00f3 l\u00e0 l\u00fd do xu\u1ea5t hi\u1ec7n Ngh\u1ecb quy\u1ebft 42.<\/p>\n

“Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 v\u1eeba c\u00f3 hi\u1ec7u l\u1ef1c ch\u01b0a \u0111\u1ea7y 1 n\u0103m, nay l\u1ea1i ph\u1ea3i quy\u1ebft t\u00e2m s\u1eeda \u0111\u1ed5i b\u1ed5 sung quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c XLNX. Vi\u1ec7c lu\u1eadt h\u00f3a n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i tranh c\u00e3i \u00edt nh\u1ea5t l\u00e0 3 l\u1ea7n tr\u01b0\u1edbc \u0111\u00e2y v\u00e0 l\u1ea7n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u1eb7c kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn, nh\u1ea5t l\u00e0 m\u1edbi ch\u1ec9 qua c\u00f3 3 k\u1ef3 h\u1ecdp v\u00e0 v\u1eabn trong m\u1ed9t nhi\u1ec7m k\u1ef3 Qu\u1ed1c h\u1ed9i\u2026”, lu\u1eadt s\u01b0 n\u00f3i.<\/p>\n

\"S\u1eeda

\u00d4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, Ph\u00f3 Ch\u1ee7 t\u1ecbch ki\u00eam T\u1ed5ng th\u01b0 k\u00fd VNBA (tr\u00e1i), Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI (gi\u1eefa) t\u1ea1i T\u1ecda \u0111\u00e0m. \u1ea2nh: \u0110BND<\/p><\/div>\n

D\u01b0\u1eddng nh\u01b0 v\u1eabn c\u00f2n l\u0103n t\u0103n v\u1ec1 l\u1ea7n s\u1eeda \u0111\u1ed5i n\u00e0y, TS. L\u00ea Duy B\u00ecnh, Gi\u00e1m \u0111\u1ed1c Economica Vi\u1ec7t Nam qu\u1ea3 quy\u1ebft: “D\u00f9 theo h\u01b0\u1edbng s\u1eeda \u0111\u1ed5i Lu\u1eadt C\u00e1c TCTD hay ban h\u00e0nh m\u1ed9t \u0111\u1ea1o lu\u1eadt ri\u00eang, th\u00ec m\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng v\u1eabn l\u00e0 t\u1ea1o l\u1eadp khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u1ed3ng b\u1ed9, r\u00f5 r\u00e0ng, hi\u1ec7u qu\u1ea3, b\u1ea3o v\u1ec7 l\u1ee3i \u00edch ch\u00ednh \u0111\u00e1ng c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c b\u00ean li\u00ean quan\u2026”.<\/p>\n

Trong \u0111\u00f3, \u00f4ng \u0111\u1eb7c bi\u1ec7t nh\u1ea5n m\u1ea1nh vi\u1ec7c c\u1ea7n thi\u1ebft ph\u1ea3i lu\u1eadt h\u00f3a r\u00f5 r\u00e0ng quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a ng\u00e2n h\u00e0ng, c\u1ed5 \u0111\u00f4ng, ng\u01b0\u1eddi g\u1eedi ti\u1ec1n – nh\u1eefng ng\u01b0\u1eddi th\u1ef1c ch\u1ea5t \u0111ang g\u00f3p v\u1ed1n cho n\u1ec1n kinh t\u1ebf th\u00f4ng qua h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng.<\/p>\n

Theo \u00f4ng,\u00a0\u1edf nhi\u1ec1u qu\u1ed1c gia, quy\u1ec1n thu gi\u1eef TSB\u0110 l\u00e0 quy\u1ec1n \u0111\u01b0\u01a1ng nhi\u00ean, \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7. Vi\u1ec7c giao k\u1ebft h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 bao h\u00e0m s\u1ef1 \u0111\u1ed3ng thu\u1eadn d\u00e2n s\u1ef1 v\u00e0 n\u1ebfu b\u00ean vay vi ph\u1ea1m, quy\u1ec1n thu gi\u1eef s\u1ebd \u0111\u01b0\u1ee3c thi h\u00e0nh nhanh ch\u00f3ng th\u00f4ng qua h\u1ec7 th\u1ed1ng t\u01b0 ph\u00e1p hi\u1ec7u qu\u1ea3.<\/p>\n

Ph\u1ea3i c\u00f3 c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t<\/strong><\/h5>\n

T\u1ea1i d\u1ef1 th\u1ea3o lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt C\u00e1c TCTD, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 \u0111\u1ec1 xu\u1ea5t lu\u1eadt h\u00f3a ba nh\u00f3m ch\u00ednh s\u00e1ch t\u1eeb Ngh\u1ecb quy\u1ebft 42, trong \u0111\u00f3 \u0111\u00e1ng ch\u00fa \u00fd nh\u1ea5t l\u00e0 quy\u1ec1n thu gi\u1eef TSB\u0110 n\u1ebfu c\u00f3 th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. Tuy nhi\u00ean, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng c\u1ea7n ph\u1ea3i quy \u0111\u1ecbnh r\u00f5 r\u00e0ng \u0111\u1ec3 tr\u00e1nh b\u1ecb l\u1ea1m d\u1ee5ng.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/em>\u00a0nh\u1eadn \u0111\u1ecbnh, \u0111i\u1ec3m m\u1edbi c\u1ee7a d\u1ef1 th\u1ea3o l\u00e0 cho ph\u00e9p thu gi\u1eef t\u00e0i s\u1ea3n \u0111ang trong di\u1ec7n tranh ch\u1ea5p- \u0111i\u1ec1u m\u00e0 Ngh\u1ecb quy\u1ebft 42 tr\u01b0\u1edbc \u0111\u00e2y kh\u00f4ng cho ph\u00e9p.<\/em><\/h5>\n

“\u0110i\u1ec1u n\u00e0y s\u1ebd l\u00e0m gia t\u0103ng quy\u1ec1n l\u1ef1c c\u1ee7a TCTD, do \u0111\u00f3 r\u1ea5t c\u1ea7n c\u00e1c c\u01a1 ch\u1ebf r\u00e0ng bu\u1ed9c tr\u00e1ch nhi\u1ec7m \u0111\u1ec3 ng\u0103n ng\u1eeba vi\u1ec7c l\u1ea1m d\u1ee5ng\u2026.”, \u00f4ng l\u01b0u \u00fd.<\/em><\/p>\n

Ngh\u1ecb quy\u1ebft n\u00e0o hay lu\u1eadt n\u00e0o c\u0169ng kh\u00f4ng th\u1ec3 v\u01b0\u1ee3t qua nguy\u00ean t\u1eafc, ng\u01b0\u1eddi \u0111ang s\u1edf h\u1eefu v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u1ed3ng \u00fd b\u00e0n giao, t\u1ee9c kh\u00f4ng t\u1ef1 nguy\u1ec7n, kh\u00f4ng th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c, th\u00ec v\u1eabn ph\u1ea3i quay l\u1ea1i gi\u1ea3i quy\u1ebft theo tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c chung. C\u00f2n, th\u1ef1c t\u1ebf Ngh\u1ecb quy\u1ebft 42 v\u00e0 d\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i, quan tr\u1ecdng nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 quy \u0111\u1ecbnh ph\u00e1p l\u00fd, m\u00e0 c\u00f3 t\u00e1c d\u1ee5ng ch\u00ednh l\u00e0 l\u00e0 g\u00e2y s\u1ee9c \u00e9p t\u00e2m l\u00fd, s\u1ee9c \u00e9p ch\u00ednh tr\u1ecb, s\u1ee9c \u00e9p th\u1ef1c t\u1ebf \u0111\u1ec3 h\u1ed7 tr\u1ee3 vi\u1ec7c XLNX c\u00f3 TSB\u0110.<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>.<\/em><\/strong><\/h5>\n

Theo TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, Ph\u00f3 ch\u1ee7 t\u1ecbch ki\u00eam T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA), kh\u00f4ng n\u00ean hi\u1ec3u quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n l\u00e0 quy\u1ec1n tuy\u1ec7t \u0111\u1ed1i, m\u00e0 c\u1ea7n ph\u1ea3i c\u00f3 \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3, minh b\u1ea1ch. \u0110\u00f3 l\u00e0 vi\u1ec7c thu gi\u1eef ph\u1ea3i \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng khi ng\u01b0\u1eddi vay kh\u00f4ng h\u1ee3p t\u00e1c, ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3.<\/p>\n

“\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 b\u1ea3o \u0111\u1ea3m s\u1ef1 b\u00ecnh \u0111\u1eb3ng gi\u1eefa c\u00e1c TCTD v\u00e0 ng\u01b0\u1eddi vay, trong \u0111\u00f3 TCTD ph\u1ea3i t\u1ea1o \u0111i\u1ec1u ki\u1ec7n t\u1ed1i \u0111a cho nh\u1eefng kh\u00e1ch h\u00e0ng thi\u1ec7n ch\u00ed\u2026.”, \u0111\u1ea1i di\u1ec7n VNBA kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

\u0110\u1ed3ng th\u1eddi cho r\u1eb1ng, thu gi\u1eef t\u00e0i s\u1ea3n l\u00e0 gi\u1ea3i ph\u00e1p cu\u1ed1i c\u00f9ng, kh\u00f4ng kh\u00e1c g\u00ec m\u1ed9t bi\u1ec7n ph\u00e1p thi h\u00e0nh \u00e1n. “B\u1edfi v\u1eady, quy tr\u00ecnh n\u00e0y c\u1ea7n c\u00f4ng khai \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c b\u00ean li\u00ean quan bi\u1ebft v\u00e0 c\u00f3 th\u1ec3 gi\u00e1m s\u00e1t”, TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng \u0111\u1ec1 xu\u1ea5t.<\/p>\n

Quang c\u1ea3nh T\u1ecda \u0111\u00e0m. \u1ea2nh: \u0110BND<\/h6>\n

Theo TS. L\u00ea Duy B\u00ecnh, Gi\u00e1m \u0111\u1ed1c Economica Vi\u1ec7t Nam, c\u00e1c th\u1ee7 t\u1ee5c nh\u01b0 k\u00ea bi\u00ean, thu gi\u1eef t\u00e0i s\u1ea3n, quy tr\u00ecnh x\u1eed l\u00fd r\u00fat g\u1ecdn c\u1ea7n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd \u0111\u1ee7 m\u1ea1nh \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng th\u1ecfa thu\u1eadn mang t\u00ednh h\u00ecnh th\u1ee9c\u2026<\/p>\n

D\u01b0\u1edbi g\u00f3c \u0111\u1ed9 c\u1ed9ng \u0111\u1ed3ng doanh nghi\u1ec7p, \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n, Ph\u00f3 T\u1ed5ng th\u01b0 k\u00fd, Tr\u01b0\u1edfng ban Ph\u00e1p ch\u1ebf Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) cho r\u1eb1ng c\u1ea7n ph\u1ea3i c\u00f3 thi\u1ebft ch\u1ebf ki\u1ec3m so\u00e1t quy\u1ec1n l\u1ef1c. Theo \u0111\u00f3 lu\u1eadt c\u1ea7n quy \u0111\u1ecbnh r\u00f5 tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c thu gi\u1eef, c\u00f3 c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t \u0111\u1ed9c l\u1eadp v\u00e0 \u0111\u1ea3m b\u1ea3o quy\u1ec1n ph\u1ea3n h\u1ed3i t\u1eeb ph\u00eda ng\u01b0\u1eddi vay.<\/p>\n

Kh\u00f4ng nh\u1eefng th\u1ebf, c\u0169ng c\u1ea7n thi\u1ebft ph\u1ea3i minh b\u1ea1ch h\u00f3a c\u00e1c th\u00f4ng tin li\u00ean quan, t\u1eeb danh m\u1ee5c TSB\u0110, th\u1eddi gian x\u1eed l\u00fd, gi\u00e1 tr\u1ecb thu h\u1ed3i cho t\u1edbi c\u00e1ch ph\u00e2n chia kho\u1ea3n thu v\u1ec1…<\/p>\n

“N\u1ebfu kh\u00f4ng l\u00e0m r\u00f5 nh\u1eefng n\u1ed9i dung n\u00e0y, ti\u00eau c\u1ef1c d\u1ec5 ph\u00e1t sinh, \u0111\u1eb7c bi\u1ec7t trong c\u00e1c giao d\u1ecbch li\u00ean quan t\u1edbi ng\u01b0\u1eddi y\u1ebfu th\u1ebf\u2026”, \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n l\u01b0u \u00fd.<\/p>\n

\u0110\u1ed3ng t\u00ecnh v\u1edbi vi\u1ec7c lu\u1eadt h\u00f3a quy\u1ec1n thu gi\u1eef TSB\u0110 c\u1ee7a c\u00e1c TCTD, b\u00e0 Tr\u1ea7n H\u1ed3ng Nguy\u00ean, Ph\u00f3 ch\u1ee7 nhi\u1ec7m \u1ee6y ban Ph\u00e1p lu\u1eadt v\u00e0 T\u01b0 ph\u00e1p c\u1ee7a Qu\u1ed1c h\u1ed9i c\u0169ng cho r\u1eb1ng, c\u00e1c quy \u0111\u1ecbnh nh\u01b0 th\u1ee7 t\u1ee5c r\u00fat g\u1ecdn trong x\u1eed l\u00fd tranh ch\u1ea5p c\u1ea7n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf c\u1ee5 th\u1ec3 v\u00e0 th\u1ef1c ch\u1ea5t h\u01a1n, tr\u00e1nh t\u00ecnh tr\u1ea1ng so\u1ea1n th\u1ea3o h\u00ecnh th\u1ee9c. C\u1ea7n c\u00f3 \u00fd ki\u1ebfn c\u1ee7a c\u00e1c c\u01a1 quan t\u1ed1 t\u1ee5ng nh\u01b0 t\u00f2a \u00e1n, vi\u1ec7n ki\u1ec3m s\u00e1t \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m t\u00ednh kh\u1ea3 thi trong th\u1ef1c ti\u1ec5n.<\/p>\n

D\u1ef1 \u00e1n Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) \u0111\u00e3 \u0111\u01b0\u1ee3c \u1ee6y ban Kinh t\u1ebf v\u00e0 T\u00e0i ch\u00ednh th\u1ea9m tra s\u01a1 b\u1ed9; d\u1ef1 ki\u1ebfn \u0111\u01b0\u1ee3c \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i cho \u00fd ki\u1ebfn v\u00e0o ng\u00e0y 23\/4 v\u00e0 d\u1ef1 ki\u1ebfn tr\u00ecnh Qu\u1ed1c h\u1ed9i xem x\u00e9t th\u00f4ng qua t\u1ea1i k\u1ef3 h\u1ecdp th\u00e1ng 5\/2025.<\/p>\n

Thanh Thanh<\/strong><\/h5>\n

————-<\/em><\/p>\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 (Ph\u00e1p lu\u1eadt) ng\u00e0y 21-4-202<\/em><\/strong>5<\/em><\/strong>:<\/em><\/strong><\/p>\n

https:\/\/nhadautu.vn\/sua-luat-cac-to-chuc-tin-dung-can-luat-hoa-quyen-thu-giu-tai-san-bao-dam-d95560.html<\/em><\/a><\/p>\n

(171\/1.811)<\/em>","protected":false},"excerpt":{"rendered":"

S\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng: C\u1ea7n lu\u1eadt h\u00f3a quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. (N\u0110T) – M\u1ed9t trong ba nh\u00f3m ch\u00ednh s\u00e1ch t\u1eeb Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec1 xu\u1ea5t lu\u1eadt h\u00f3a khi s\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a […]<\/p>\n","protected":false},"author":2,"featured_media":47381,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[50,36],"class_list":["post-47380","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.045. S\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng: C\u1ea7n lu\u1eadt h\u00f3a quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"C\u1ea7n lu\u1eadt h\u00f3a quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m khi s\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng | Quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n l\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean ?\" \/>\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\/4-045-sua-luat-cac-to-chuc-tin-dung-can-luat-hoa-quyen-thu-giu-tai-san-bao-dam\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.045. 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