{"id":4799,"date":"1999-06-06T21:32:37","date_gmt":"1999-06-06T14:32:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4799"},"modified":"2024-11-15T15:24:27","modified_gmt":"2024-11-15T08:24:27","slug":"46-hop-dong-tin-dung-co-bi-vo-hieu-khi-khong-co-tai-san-bao-dam","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/46-hop-dong-tin-dung-co-bi-vo-hieu-khi-khong-co-tai-san-bao-dam\/","title":{"rendered":"46. H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 b\u1ecb v\u00f4 hi\u1ec7u khi kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m?"},"content":{"rendered":"

H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 b\u1ecb v\u00f4 hi\u1ec7u khi kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m?<\/span><\/h4>\n
(TCNH) – Qua Quy\u1ebft \u0111\u1ecbnh kh\u00e1ng ngh\u1ecb c\u1ee7a Vi\u1ec7n ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao, kh\u00e1ng ngh\u1ecb B\u1ea3n \u00e1n kinh t\u1ebf ph\u00fac th\u1ea9m c\u1ee7a To\u00e0 Ph\u00fac th\u1ea9m – TAND T\u1ed1i cao t\u1ea1i H\u00e0 N\u1ed9i, x\u1eed v\u1ee5 ki\u1ec7n tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i Vi\u1ec7t Nam v\u00e0 C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng H\u1ea3i Ph\u00f2ng g\u1ea7n \u0111\u00e2y, bu\u1ed9c c\u00e1c c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1eb7t ra m\u1ed9t c\u00e2u h\u1ecfi l\u1edbn: Li\u1ec7u h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng li\u1ec7u c\u00f3 b\u1ecb v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9 khi kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ho\u1eb7c vi ph\u1ea1m c\u00e1c th\u1ee7 t\u1ee5c v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m?<\/h5>\n

N\u1ed9i dung v\u1ee5 tranh ch\u1ea5p tr\u00ean c\u00f3 th\u1ec3 t\u00f3m t\u1eaft nh\u01b0 sau: C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng l\u00e0 m\u1ed9t DNNN, \u0111\u00e3 vay c\u1ee7a H\u1ed9i s\u1edf Giao d\u1ecbch H\u1ea3i Ph\u00f2ng – Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i Vi\u1ec7t Nam 3,3 t\u1ec9 \u0111\u1ed3ng th\u00f4ng qua 3 kh\u1ebf \u01b0\u1edbc k\u00fd v\u00e0o c\u00e1c ng\u00e0y 22-6, 30-6 v\u00e0 4-8-1995. C\u00f4ng ty \u0111\u00e3 d\u00f9ng hai khu c\u1eeda h\u00e0ng v\u00e0 kh\u00e1ch s\u1ea1n, gi\u00e1 tr\u1ecb 7 t\u1ec9 \u0111\u1ed3ng, \u0111\u01b0\u1ee3c UBND Th\u00e0nh ph\u1ed1 H\u1ea3i Ph\u00f2ng giao theo ch\u1ebf \u0111\u1ed9 t\u1ef1 qu\u1ea3n, \u0111\u1ec3 l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m cho kho\u1ea3n vay.<\/p>\n

Sau \u0111\u00f3 Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i \u0111\u00e3 kh\u1edfi ki\u1ec7n ra To\u00e0 \u00e1n. Ng\u00e0y 3-11-1997, To\u00e0 Kinh t\u1ebf – TAND Th\u00e0nh ph\u1ed1 H\u1ea3i Ph\u00f2ng \u0111\u00e3 x\u00e9t x\u1eed s\u01a1 th\u1ea9m v\u00e0 ng\u00e0y 20-10-1998, To\u00e0 Ph\u00fac th\u1ea9m – TAND T\u1ed1i cao t\u1ea1i H\u00e0 N\u1ed9i \u0111\u00e3 x\u00e9t x\u1eed ph\u00fac th\u1ea9m v\u1ee5 \u00e1n tr\u00ean v\u00e0 quy\u1ebft \u0111\u1ecbnh: C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng ph\u1ea3i thanh to\u00e1n cho Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i 3,3 t\u1ec9 \u0111\u1ed3ng ti\u1ec1n g\u1ed1c v\u00e0 1.746.650.000 \u0111\u1ed3ng ti\u1ec1n l\u00e3i (Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i ch\u1ea5p nh\u1eadn kh\u00f4ng t\u00ednh th\u00eam ti\u1ec1n l\u00e3i k\u1ec3 t\u1eeb ng\u00e0y x\u00e9t x\u1eed s\u01a1 th\u1ea9m). C\u00e1c B\u1ea3n \u00e1n kh\u00f4ng \u0111\u01b0a ra ph\u00e1n quy\u1ebft g\u00ec v\u1ec1 vi\u1ec7c x\u1eed l\u00fd c\u00e1c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00f3i tr\u00ean. H\u1eadu qu\u1ea3 ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c n\u00e0y l\u00e0: C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng v\u1eabn ph\u1ea3i tr\u1ea3 \u0111\u1ee7 g\u1ed1c v\u00e0 l\u00e3i cho Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i, nh\u01b0ng c\u00e1c t\u00e0i s\u1ea3n n\u00f3i tr\u00ean kh\u00f4ng \u0111\u01b0\u1ee3c x\u1eed l\u00fd v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u00e1c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 thu n\u1ee3, hay n\u00f3i c\u00e1ch kh\u00e1c, kho\u1ea3n n\u1ee3 tr\u00ean kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

Th\u1ebf nh\u01b0ng, ng\u00e0y 29-04-1999, Vi\u1ec7n Ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao \u0111\u00e3 c\u00f3 Quy\u1ebft \u0111\u1ecbnh kh\u00e1ng ngh\u1ecb s\u1ed1 05\/KS-KNAKT, kh\u00e1ng ngh\u1ecb B\u1ea3n \u00e1n ph\u00fac th\u1ea9m n\u00f3i tr\u00ean v\u00e0 \u0111\u1ec1 ngh\u1ecb U\u1ef7 ban Th\u1ea9m ph\u00e1n TAND T\u1ed1i cao x\u00e9t x\u1eed, s\u1eeda \u00e1n ph\u00fac th\u1ea9m theo h\u01b0\u1edbng: K\u1ebft lu\u1eadn h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng v\u00e0 Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i – H\u1ed9i s\u1edf H\u1ea3i Ph\u00f2ng b\u1ecb v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9 v\u00ec \u0111\u00e3 \u201cvi ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n<\/em>\u201d. V\u00e0 v\u00ec l\u00e0 h\u1ee3p \u0111\u1ed3ng v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9, n\u00ean C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng ch\u1ec9 ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c, m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 n\u1ee3 h\u01a1n 1,7 t\u1ec9 \u0111\u1ed3ng ti\u1ec1n l\u00e3i.<\/p>\n

V\u1eady, v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0: Vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 n\u1ebfu c\u00f3 s\u1ef1 \u201cvi ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n<\/em>\u201d, th\u00ec h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 b\u1ecb coi l\u00e0 v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9 hay kh\u00f4ng?<\/p>\n

* *
\n*<\/p>\n

Theo t\u00f4i, nh\u1eefng c\u0103n c\u1ee9 m\u00e0 Vi\u1ec7n ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao n\u00eau ra trong b\u1ea3n Kh\u00e1ng ngh\u1ecb \u0111\u1ec3 d\u1eabn \u0111\u1ebfn k\u1ebft lu\u1eadn h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa hai b\u00ean b\u1ecb v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9 l\u00e0 thi\u1ebfu c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u00e0 th\u1ef1c t\u1ebf, v\u00ec nh\u1eefng l\u00fd do sau \u0111\u00e2y:<\/p>\n

1- Th\u1ebf ch\u1ea5p ch\u01b0a ph\u1ea3i l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1eaft bu\u1ed9c:<\/strong><\/h5>\n

Kh\u00e1ng ngh\u1ecb \u0111\u00e3 vi\u1ec7n d\u1eabn quy \u0111\u1ecbnh sau \u0111\u00e2y c\u1ee7a kho\u1ea3n 1, \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

\u201cTh\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 d\u00f9ng s\u1ed1 \u0111\u1ed9ng s\u1ea3n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1eb7c gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n kh\u00e1c thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m t\u00e0i s\u1ea3n cho vi\u1ec7c th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf \u0111\u00e3 k\u00fd k\u1ebft.<\/em><\/p>\n

Vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n ph\u1ea3i \u0111\u01b0\u1ee3c l\u00e0m th\u00e0nh v\u0103n b\u1ea3n ri\u00eang c\u00f3 s\u1ef1 x\u00e1c nh\u1eadn c\u1ee7a c\u01a1 quan c\u00f4ng ch\u1ee9ng ho\u1eb7c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u0103ng k\u00fd kinh doanh\u00a0 (tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 c\u01a1 quan c\u00f4ng ch\u1ee9ng)<\/em>\u201d.<\/p>\n

N\u1ebfu theo \u0111\u00fang quy \u0111\u1ecbnh n\u00e0y, th\u00ec c\u00e1c DNNN s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p mang t\u00e0i s\u1ea3n \u0111i th\u1ebf ch\u1ea5p, v\u00ec kh\u00f4ng c\u00f3 \u201c\u0111\u1ed9ng s\u1ea3n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1eb7c<\/em> gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n kh\u00e1c thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh<\/em>\u201d, m\u00e0 c\u00e1c t\u00e0i s\u1ea3n c\u1ee7a DNNN \u0111\u1ec1u thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a Nh\u00e0 n\u01b0\u1edbc. Ch\u00ednh v\u00ec v\u1eady, \u0110i\u1ec1u 1, Quy \u0111\u1ecbnh v\u1ec1 Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n vay v\u1ed1n ng\u00e2n h\u00e0ng, ban h\u00e0nh theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 156\/NH-Q\u0110 ng\u00e0y 18-11-89 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam \u0111\u00e3 ghi r\u00f5: “C\u00e1c h\u1ee3p t\u00e1c x\u00e3, t\u1ed5 h\u1ee3p s\u1ea3n xu\u1ea5t kinh doanh, c\u00e1c h\u1ed9 t\u01b0 doanh, c\u00e1 th\u1ec3 v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c li\u00ean doanh t\u1eadp th\u1ec3 t\u01b0 nh\u00e2n s\u1ea3n xu\u1ea5t l\u00e0m d\u1ecbch v\u1ee5, c\u00e1n b\u1ed9 c\u00f4ng nh\u00e2n vi\u00ean l\u00e0m kinh t\u1ebf gia \u0111\u00ecnh (g\u1ecdi t\u1eaft l\u00e0 b\u00ean vay) khi vay v\u1ed1n ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 t\u00e0i<\/em> s\u1ea3n l\u00e0m th\u1ebf ch\u1ea5p cho m\u1ed7i l\u1ea7n vay<\/em>“. Quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng \u00e1p d\u1ee5ng v\u1edbi c\u00e1c DNNN vay v\u1ed1n ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c kh\u1eb3ng \u0111\u1ecbnh b\u1eb1ng C\u00f4ng v\u0103n s\u1ed1 391\/CV-NCKT ng\u00e0y 25-9-1997 c\u1ee7a NHNN Vi\u1ec7t Nam khi tr\u1ea3 l\u1eddi Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i v\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a DNNN.<\/p>\n

H\u01a1n n\u1eefa, theo \u0110i\u1ec1u 5, Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, th\u00ec vi\u1ec7c c\u00f3 th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf hay kh\u00f4ng, l\u00e0 ho\u00e0n to\u00e0n thu\u1ed9c v\u1ec1 \u201cquy\u1ec1n tho\u1ea3 thu\u1eadn\u201d c\u1ee7a c\u00e1c b\u00ean, ch\u1ee9 ph\u00e1p lu\u1eadt kh\u00f4ng b\u1eaft bu\u1ed9c<\/em>.<\/p>\n

Nh\u01b0 v\u1eady, v\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3 vi\u1ec7c cho vay \u0111\u1ed1i v\u1edbi DNNN c\u00f3 ph\u1ea3i th\u1ebf ch\u1ea5p hay kh\u00f4ng ch\u1ec9 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o quy \u0111\u1ecbnh c\u1ee7a Th\u1ec3 l\u1ec7 t\u00edn d\u1ee5ng ng\u1eafn h\u1ea1n \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 198-Q\u0110\/NH1 ng\u00e0y 16-9-1994 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, th\u00ec sao?<\/p>\n

2- Kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c vi\u1ec7c th\u1ebf ch\u1ea5p \u0111\u1ed1i v\u1edbi DNNN?<\/strong><\/h5>\n

T\u1ea1i nh\u1eefng th\u1eddi \u0111i\u1ec3m k\u00fd k\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i v\u00e0 C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng, vi\u1ec7c th\u1ebf ch\u1ea5p c\u1ee7a DNNN ch\u1ec9 m\u1edbi \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u 6, Lu\u1eadt DNNN, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 30-4-1995: \u201cDNNN ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u00f3 quy\u1ec1n chuy\u1ec3n nh\u01b0\u1ee3ng, cho thu\u00ea, th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n qu\u1ea3n l\u00fd c\u1ee7a doanh nghi\u1ec7p, tr\u1eeb nh\u1eefng thi\u1ebft b\u1ecb, nh\u00e0 x\u01b0\u1edfng quan tr\u1ecdng theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 ph\u1ea3i \u0111\u01b0\u1ee3c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n cho ph\u00e9p.<\/em>..\u201d<\/p>\n

V\u00e0 cho \u0111\u1ebfn nhi\u1ec1u th\u00e1ng sau, m\u1edbi c\u00f3 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi \u0111\u00e2y quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh v\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a DNNN:<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1215-TC\/Q\u0110-TCDN ng\u00e0y 4-12-1995 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh u\u1ef7 quy\u1ec1n cho T\u1ed5ng c\u1ee5c Qu\u1ea3n l\u00fd v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n Nh\u00e0 n\u01b0\u1edbc t\u1ea1i doanh nghi\u1ec7p th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 nhi\u1ec7m v\u1ee5 v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh doanh nghi\u1ec7p;<\/p>\n

– Th\u00f4ng t\u01b0 li\u00ean b\u1ed9 s\u1ed1 01-TT\/LB ng\u00e0y 3-7-1996 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, B\u1ed9 T\u00e0i ch\u00ednh, B\u1ed9 t\u01b0 ph\u00e1p h\u01b0\u1edbng d\u1eabn th\u1ee7 t\u1ee5c v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi DNNN v\u00e0 th\u1ee7 t\u1ee5c c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh;<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 861-TC\/TCCB ng\u00e0y 14-9-1996 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh v\u1ec1 vi\u1ec7c giao nhi\u1ec7m v\u1ee5 cho C\u1ee5c Qu\u1ea3n l\u00fd v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n Nh\u00e0 n\u01b0\u1edbc t\u1ea1i doanh nghi\u1ec7p;<\/p>\n

–\u00a0 Quy ch\u1ebf Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 h\u1ea1ch to\u00e1n kinh doanh \u0111\u1ed1i v\u1edbi DNNN, ban h\u00e0nh k\u00e8m theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 59-CP ng\u00e0y 3-10-1996 c\u1ee7a Ch\u00ednh ph\u1ee7;<\/p>\n

– Ngo\u00e0i ra, c\u00f2n c\u00f3 Quy \u0111\u1ecbnh n\u1ed9i dung, nhi\u1ec7m v\u1ee5 qu\u1ea3n l\u00fd v\u00e0 th\u1ea9m quy\u1ec1n x\u1eed l\u00fd c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c C\u1ee5c Qu\u1ea3n l\u00fd v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n Nh\u00e0 n\u01b0\u1edbc t\u1ea1i doanh nghi\u1ec7p, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 838-TCDN\/Q\u0110\/VP ng\u00e0y 4-10-1996 c\u1ee7a T\u1ed5ng c\u1ee5c tr\u01b0\u1edfng T\u1ed5ng c\u1ee5c Qu\u1ea3n l\u00fd v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n Nh\u00e0 n\u01b0\u1edbc t\u1ea1i doanh nghi\u1ec7p.<\/p>\n

Nh\u01b0 v\u1eady, nh\u1eefng v\u0103n b\u1ea3n tr\u00ean, \u0111\u1ec1u \u0111\u01b0\u1ee3c ban h\u00e0nh sau khi Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i v\u00e0 C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng \u0111\u00e3 k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 v\u0103n b\u1ea3n cam k\u1ebft th\u1ebf ch\u1ea5p. Ch\u00ednh v\u00ec v\u1eady, n\u00ean C\u1ee5c Qu\u1ea3n l\u00fd v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n Nh\u00e0 n\u01b0\u1edbc t\u1ea1i doanh nghi\u1ec7p c\u1ee7a th\u00e0nh ph\u1ed1 H\u1ea3i Ph\u00f2ng kh\u00f4ng th\u1ec3 x\u00e1c nh\u1eadn t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng v\u00e0 theo \u0111\u00f3, C\u01a1 quan C\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng kh\u00f4ng th\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p gi\u1eefa Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i v\u00e0 C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng.<\/p>\n

Trong s\u1ed1 c\u00e1c v\u0103n b\u1ea3n m\u00e0 Kh\u00e1ng ngh\u1ecb c\u1ee7a Vi\u1ec7n ki\u1ec3m s\u00e1t \u0111\u00e3 vi\u1ec7n d\u1eabn \u0111\u1ec3 ch\u1ee9ng minh r\u1eb1ng, vi\u1ec7c th\u1ebf ch\u1ea5p vay v\u1ed1n gi\u1eefa hai b\u00ean l\u00e0 tr\u00e1i ph\u00e1p lu\u1eadt l\u1ea1i c\u00f3 c\u1ea3 2 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1215 v\u00e0 861 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh ban h\u00e0nh sau khi c\u00e1c b\u00ean \u0111\u00e3 th\u1ef1c hi\u1ec7n vi\u1ec7c th\u1ebf ch\u1ea5p (?!).<\/p>\n

T\u00f3m l\u1ea1i, t\u1ea1i th\u1eddi \u0111i\u1ec3m cho C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng vay v\u1ed1n, Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i Vi\u1ec7t Nam kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u00fang th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n theo c\u00e1c quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c ban h\u00e0nh sau khi hai b\u00ean \u0111\u00e3 k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng tr\u00e1ch nhi\u1ec7m c\u1ee7a C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng trong vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 ho\u00e0n tr\u1ea3 n\u1ee3, sau khi xem x\u00e9t Ph\u01b0\u01a1ng \u00e1n kinh doanh, Ng\u00e2n h\u00e0ng \u0111\u00e3 ch\u1ea5p nh\u1eadn cho vay v\u00e0 nh\u1eadn m\u1ed9t s\u1ed1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho vi\u1ec7c th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng. Sau khi ph\u00e1t sinh giao d\u1ecbch kinh t\u1ebf, c\u00e1c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ee7a Th\u00e0nh ph\u1ed1 H\u1ea3i Ph\u00f2ng \u0111\u1ec1 ngh\u1ecb c\u1ea5p c\u00f3 th\u1ea9m quy\u1ec1n c\u1ee7a Th\u00e0nh ph\u1ed1 ra quy\u1ebft \u0111\u1ecbnh giao v\u1ed1n b\u1eb1ng t\u00e0i s\u1ea3n. Th\u1ef1c t\u1ebf, \u0111\u1ebfn nay c\u00e1c t\u00e0i s\u1ea3n tr\u00ean \u0111\u00e3 \u0111\u01b0\u1ee3c UBND Th\u00e0nh ph\u1ed1 H\u1ea3i Ph\u00f2ng quy\u1ebft \u0111\u1ecbnh giao quy\u1ec1n qu\u1ea3n l\u00fd cho C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng.<\/p>\n

Ph\u00e2n t\u00edch nh\u1eefng v\u1ea5n \u0111\u1ec1 tr\u00ean \u0111\u1ec3 th\u1ea5y r\u1eb1ng: Trong nh\u1eefng n\u0103m qua, gi\u1eefa ph\u00e1p lu\u1eadt v\u00e0 th\u1ef1c t\u1ebf c\u1ee7a ch\u00fang ta lu\u00f4n c\u00f3 m\u1ed9t kho\u1ea3ng c\u00e1ch qu\u00e1 l\u1edbn, kh\u00f4ng th\u1ec3 v\u01b0\u1ee3t qua. K\u1ebft c\u1ee5c, khi x\u1ea3y ra vi ph\u1ea1m, ch\u1ec9 nh\u00ecn th\u1ea5y \u0111\u1ebfn l\u1ed7i c\u1ee7a ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n, c\u1ee7a ng\u01b0\u1eddi d\u00e2n, ch\u1ee9 m\u1ea5y ai ch\u00ea tr\u00e1ch Nh\u00e0 n\u01b0\u1edbc ho\u1eb7c ph\u00e1n x\u00e9t Ph\u00e1p lu\u1eadt, nh\u00e2n t\u1ed1 v\u00f4 t\u00ecnh g\u00e2y ra v\u00f4 v\u00e0n \u0111i\u1ec1u oan tr\u00e1i.<\/p>\n

Th\u1eadm ch\u00ed, cho \u0111\u1ebfn hi\u1ec7n nay c\u00f2n c\u00f3 t\u00ecnh tr\u1ea1ng m\u1ed9t s\u1ed1 c\u01a1 quan c\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc t\u1ea1i H\u00e0 N\u1ed9i, TP H\u1ed3 Ch\u00ed Minh v\u00e0 m\u1ed9t s\u1ed1 t\u1ec9nh kh\u00e1c nh\u1ea5t \u0111\u1ecbnh kh\u00f4ng nh\u1eadn c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u1ed1i v\u1edbi DNNN. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y th\u00ec kh\u00f4ng ph\u1ea3i do l\u1ed7i c\u1ee7a v\u0103n b\u1ea3n m\u00e0 l\u1ed7i c\u1ee7a c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt. C\u00f4ng v\u0103n s\u1ed1 417-CV\/NH14 ng\u00e0y 31-5-1997 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam v\u1ec1 vi\u1ec7c h\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n nh\u1eefng gi\u1ea3i ph\u00e1p c\u1ea5p b\u00e1ch c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 li\u00ean quan \u0111\u1ebfn c\u00f4ng t\u00e1c t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, ch\u1ec9 h\u01b0\u1edbng d\u1eabn: \u201cC\u00e1c DNNN vay v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c doanh kh\u00f4ng ph\u1ea3i th\u1ebf ch\u1ea5p<\/em>\u201d. Th\u1ebf nh\u01b0ng m\u1ed9t s\u1ed1 c\u01a1 quan c\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 hi\u1ec3u sai l\u1ec7ch l\u00e0, DNNN vay v\u1ed1n ng\u00e2n h\u00e0ng TMCP c\u0169ng kh\u00f4ng ph\u1ea3i th\u1ebf ch\u1ea5p. V\u1eady, d\u00f9 c\u00e1c Ng\u00e2n h\u00e0ng TMCP c\u00f3 mu\u1ed1n l\u00e0m \u0111\u00fang ph\u00e1p lu\u1eadt v\u1ec1 th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p th\u00ec c\u0169ng \u0111\u00e0nh ch\u1ecbu. T\u1ea5t nhi\u00ean, sau n\u00e0y \u0111\u01b0a ra To\u00e0, th\u00ec ph\u00e1p lu\u1eadt s\u1ebd k\u1ebft lu\u1eadn ng\u00e2n h\u00e0ng vi ph\u1ea1m ch\u1ee9 l\u00e0m sao c\u00f3 th\u1ec3 \u0111\u1ed5 t\u1ed9i \u0111\u01b0\u1ee3c cho c\u00f4ng ch\u1ee9ng l\u00e0m sai?<\/p>\n

3- H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00f4ng vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt: <\/strong><\/h5>\n

V\u1edbi n\u1ed9i dung nh\u01b0 tr\u00ean, Kh\u00e1ng ngh\u1ecb \u0111\u00e3 nh\u1eadn x\u00e9t Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i Vi\u1ec7t Nam \u201cvi ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n<\/em>\u201d th\u00ec kh\u00f4ng c\u00f3 \u0111i\u1ec1u g\u00ec ph\u1ea3i b\u00e0n c\u00e3i. Nh\u01b0ng t\u1eeb \u0111\u00f3, Kh\u00e1ng ngh\u1ecb \u0111\u00e3 c\u0103n c\u1ee9 v\u00e0o \u0111i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 8, Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf cho r\u1eb1ng h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng b\u1ecb v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9.<\/p>\n

K\u1ebft lu\u1eadn n\u00e0y c\u1ee7a Vi\u1ec7n ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao l\u00e0 kh\u00f4ng \u0111\u00fang v\u1edbi kho\u1ea3n 1, \u0110i\u1ec1u 8, Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, quy \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf b\u1ecb coi l\u00e0 v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9 khi: \u201cN\u1ed9i dung h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d. To\u00e0n b\u1ed9 h\u1ed3 s\u01a1 v\u1ee5 vi\u1ec7c c\u0169ng nh\u01b0 qua hai phi\u00ean to\u00e0 x\u00e9t x\u1eed s\u01a1 th\u1ea9m v\u00e0 ph\u00fac th\u1ea9m \u0111\u00e3 th\u1ec3 hi\u1ec7n r\u00f5, n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i v\u00e0 C\u00f4ng ty Th\u01b0\u01a1ng m\u1ea1i H\u1ed3ng B\u00e0ng kh\u00f4ng c\u00f3 \u0111i\u1ec1u kho\u1ea3n n\u00e0o vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt, t\u1eeb c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u1ec1 ch\u1ee7 th\u1ec3 cho vay, \u0111\u1ed1i t\u01b0\u1ee3ng cho vay, th\u1eddi h\u1ea1n cho vay, l\u00e3i su\u1ea5t cho vay, m\u1ee5c \u0111\u00edch cho vay,… cho \u0111\u1ebfn bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng. \u1edf \u0111\u00e2y c\u0169ng c\u1ea7n n\u00f3i th\u00eam l\u00e0, vi\u1ec7c kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t v\u00e0 \u0111\u00f4i khi kh\u00e1c ho\u00e0n to\u00e0n v\u1edbi vi\u1ec7c \u201cvi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d.<\/p>\n

Th\u1eadm ch\u00ed, n\u1ebfu c\u1ee9 cho r\u1eb1ng, vi\u1ec7c th\u1ebf ch\u1ea5p nh\u01b0 tr\u00ean l\u00e0 \u201cvi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d, th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 v\u00ec th\u1ebf m\u00e0 d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng b\u1ecb v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9, v\u00ec vi\u1ec7c th\u1ebf ch\u1ea5p ch\u1ec9 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng, ch\u1ec9 \u0111\u01b0\u1ee3c coi nh\u01b0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng ph\u1ee5 trong m\u1ed1i quan h\u1ec7 v\u1edbi h\u1ee3p \u0111\u1ed3ng ch\u00ednh l\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. \u0110\u00e1ng ti\u1ebfc, trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, Kh\u00e1ng ngh\u1ecb c\u1ee7a Vi\u1ec7n ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao d\u01b0\u1eddng nh\u01b0 \u0111\u00e3 \u0111\u1ed3ng nh\u1ea5t h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n

Kh\u00e1ng ngh\u1ecb cho r\u1eb1ng, Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i Vi\u1ec7t Nam \u0111\u00e3 vi ph\u1ea1m m\u1ed9t trong nh\u1eefng c\u0103n c\u1ee9 ph\u00e1p l\u00fd l\u00e0 \u0111i\u1ec3m 4.1.5, kho\u1ea3n 4.1, \u0110i\u1ec1u 4, Th\u1ec3 l\u1ec7 t\u00edn d\u1ee5ng ng\u1eafn h\u1ea1n \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 198-Q\u0110\/NH1 ng\u00e0y 16-9-1994 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam, trong c\u00f3 quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n l\u00e0: \u201cPh\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n<\/em> ho\u1eb7c \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba \u0111\u1ee7 th\u1ea9m quy\u1ec1n<\/em>\u201d. R\u00f5 r\u00e0ng, Ng\u00e2n h\u00e0ng H\u00e0ng H\u1ea3i c\u00f3 th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh n\u00e0y, c\u00f3 nh\u1eadn t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ch\u1ee9 kh\u00f4ng ph\u1ea3i ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 g\u00ec \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay. Ch\u1ec9 c\u00f3 \u0111i\u1ec1u, vi\u1ec7c th\u1ebf ch\u1ea5p kh\u00f4ng \u0111\u00fang ph\u00e1p lu\u1eadt do nh\u1eefng tr\u1edf ng\u1ea1i nh\u01b0 \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch \u1edf tr\u00ean. Nh\u01b0ng, k\u1ec3 c\u1ea3 vi\u1ec7c th\u1ebf ch\u1ea5p c\u00f3 b\u1ecb coi l\u00e0 tr\u00e1i v\u1edbi quy \u0111\u1ecbnh tr\u00ean \u0111i ch\u0103ng n\u1eefa, th\u00ec c\u0169ng kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn to\u00e0n b\u1ed9 hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, v\u00ec kho\u1ea3n 2, \u0110i\u1ec1u 8, Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf \u0111\u00e3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3: \u201cH\u1ee3p \u0111\u1ed3ng kinh t\u1ebf b\u1ecb coi l\u00e0 v\u00f4 hi\u1ec7u t\u1eebng ph\u1ea7n khi n\u1ed9i dung c\u1ee7a ph\u1ea7n \u0111\u00f3 vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt, nh\u01b0ng kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a h\u1ee3p \u0111\u1ed3ng<\/em>\u201d. H\u01a1n n\u1eefa, \u0111i\u1ec3m b, m\u1ee5c 3, ph\u1ea7n II, Th\u00f4ng t\u01b0 s\u1ed1 11-TT\/PL ng\u00e0y 25-5-1992 c\u1ee7a Ch\u1ee7 t\u1ecbch Tr\u1ecdng t\u00e0i Kinh t\u1ebf Nh\u00e0 n\u01b0\u1edbc, h\u01b0\u1edbng d\u1eabn k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf c\u0169ng gi\u1ea3i th\u00edch r\u00f5: \u201cTrong m\u1ed9t h\u1ee3p \u0111\u1ed3ng, c\u00f3 c\u1ea3<\/em> n\u1ed9i dung k\u00fd b\u1ecb c\u1ea5m, c\u00f3 n\u1ed9i dung k\u00fd h\u1ee3p ph\u00e1p th\u00ec ph\u1ea7n n\u1ed9i dung k\u00fd h\u1ee3p ph\u00e1p v\u1eabn c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd<\/em>\u201d.<\/p>\n

Nh\u01b0 v\u1eady, theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, ngay c\u1ea3 vi\u1ec7c c\u00f3 n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt, th\u00ec h\u1ee3p \u0111\u1ed3ng c\u0169ng ch\u01b0a ch\u1eafc \u0111\u00e3 b\u1ecb v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9, trong khi \u0111\u00f3 n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng n\u00f3i tr\u00ean kh\u00f4ng h\u1ec1 vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt th\u00ec kh\u00f4ng th\u1ec3 \u0111\u1eb7t ra v\u1ea5n \u0111\u1ec1 v\u00f4 hi\u1ec7u.<\/p>\n

C\u00f3 hay kh\u00f4ng nh\u1eefng \u0111i\u1ec1u \u0111\u00e1ng lo ng\u1ea1i?<\/strong><\/h4>\n

N\u1ebfu To\u00e0 \u00e1n ch\u1ea5p nh\u1eadn n\u1ed9i dung kh\u00e1ng ngh\u1ecb nh\u01b0 tr\u00ean c\u1ee7a Vi\u1ec7n ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao, th\u00ec s\u1ebd c\u00f3 r\u1ea5t nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng b\u1ecb coi l\u00e0 v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9, trong \u0111\u00f3 c\u00e1c Ng\u00e2n h\u00e0ng s\u1ebd cho vay m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p thu l\u00e3i. \u0110\u00f3 l\u00e0 t\u1ea5t c\u1ea3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m hay ch\u1ea5p nh\u1eadn nh\u00e0 c\u1eeda th\u1ebf ch\u1ea5p ch\u01b0a c\u00f3 Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh ho\u1eb7c ch\u01b0a qua c\u00f4ng ch\u1ee9ng.<\/p>\n

Cu\u1ed1i c\u00f9ng, qua v\u1ee5 \u00e1n kinh t\u1ebf n\u00e0y, c\u00f2n cho th\u1ea5y m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng r\u1ea5t \u0111\u00e1ng lo ng\u1ea1i l\u00e0, ph\u00e1p lu\u1eadt hi\u1ec7n nay kh\u00f4ng \u0111\u1ee7 \u201cthi\u00eang\u201d \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a c\u00e1c ch\u1ee7 n\u1ee3 n\u00f3i chung v\u00e0 c\u00e1c Ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang. M\u1ed9t v\u1ee5 \u00e1n kinh t\u1ebf, kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 n\u1ee3, Ng\u00e2n h\u00e0ng \u0111\u00e3 y\u00eau c\u1ea7u m\u1ed9t n\u0103m r\u01b0\u1ee1i m\u1edbi \u0111\u01b0\u1ee3c To\u00e0 \u00e1n th\u1ee5 l\u00fd gi\u1ea3i quy\u1ebft. Tr\u1ea3i qua m\u1ed9t n\u0103m r\u01b0\u1ee1i n\u1eefa x\u00e9t x\u1eed v\u00e0 th\u1eafng ki\u1ec7n, nh\u01b0ng kh\u00f4ng bi\u1ebft ng\u00e0y n\u00e0o ng\u01b0\u1eddi vay m\u1edbi ch\u1ecbu tr\u1ea3 ti\u1ec1n theo b\u1ea3n \u00e1n nh\u00e2n danh N\u01b0\u1edbc CHXHCN VN v\u00e0 khi n\u00e0o th\u00ec c\u01a1 quan thi h\u00e0nh \u00e1n m\u1edbi th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c bi\u1ec7n ph\u00e1p c\u01b0\u1ee1ng ch\u1ebf \u0111\u1ed1i v\u1edbi m\u1ed9t DNNN c\u00f3 \u0111\u1ee7 t\u00e0i s\u1ea3n \u0111\u1ec3 tr\u1ea3 n\u1ee3. V\u00e0 b\u1ea3n \u00e1n ph\u00fac th\u1ea9m m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean gi\u1ea5y l\u1ea1i b\u1ecb kh\u00e1ng ngh\u1ecb v\u00ec l\u00fd do nh\u01b0 tr\u00ean…<\/p>\n

M\u1eb7c d\u00f9 ph\u00e1p lu\u1eadt \u0111\u00e3 quy \u0111\u1ecbnh r\u1ea5t ch\u1eb7t ch\u1ebd v\u1ec1 th\u1ea9m quy\u1ec1n kh\u00e1ng ngh\u1ecb c\u00e1c b\u1ea3n \u00e1n c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt, nh\u01b0ng nhi\u1ec1u b\u1ea3n \u00e1n ti\u1ebfp t\u1ee5c b\u1ecb kh\u00e1ng ngh\u1ecb gi\u00e1m \u0111\u1ed1c th\u1ea9m. Theo \u0110i\u1ec1u 74, Ph\u00e1p l\u1ec7nh Th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ee5 \u00e1n kinh t\u1ebf, n\u0103m 1994, th\u00ec ch\u1ec9 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao m\u1edbi c\u00f3 quy\u1ec1n kh\u00e1ng ngh\u1ecb b\u1ea3n \u00e1n \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt c\u1ee7a To\u00e0 \u00e1n c\u00e1c c\u1ea5p, c\u00f2n Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng ch\u1ec9 c\u00f3 quy\u1ec1n kh\u00e1ng ngh\u1ecb b\u1ea3n \u00e1n \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n \u0111\u1ecba ph\u01b0\u01a1ng. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf l\u1ea1i c\u00f3 nhi\u1ec1u b\u1ea3n \u00e1n c\u1ee7a TAND T\u1ed1i cao v\u1eabn b\u1ecb Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng kh\u00e1ng ngh\u1ecb (c\u0169ng kh\u00f4ng ghi l\u00e0 k\u00fd thay Vi\u1ec7n tr\u01b0\u1edfng). Quy\u1ebft \u0111\u1ecbnh kh\u00e1ng ngh\u1ecb s\u1ed1 05\/KS-KNAKT n\u00f3i tr\u00ean do Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Nguy\u1ec5n Th\u1ecb Tuy\u1ebft k\u00fd l\u00e0 m\u1ed9t minh ch\u1ee9ng. Th\u1ebf nh\u01b0ng, tr\u01b0\u1edbc khi x\u00e9t \u0111\u1ebfn n\u1ed9i dung kh\u00e1ng ngh\u1ecb, kh\u00f4ng th\u1ea5y ai xem x\u00e9t \u0111\u1ebfn t\u00ednh ch\u1ea5t ph\u00e1p l\u00fd c\u1ee7a nh\u1eefng b\u1ea3n kh\u00e1ng ngh\u1ecb \u0111\u00f3 c\u00f3 \u0111\u00fang th\u1ea9m quy\u1ec1n do lu\u1eadt \u0111\u1ecbnh kh\u00f4ng, c\u00f3 v\u00f4 hi\u1ec7u hay kh\u00f4ng, m\u00e0 v\u1eabn bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn th\u1ef1c t\u1ebf.<\/p>\n

Hi\u1ec7n nay, \u0110i\u1ec1u 7, Quy ch\u1ebf cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 324\/1998\/Q\u0110-NHNN1 ng\u00e0y 30-9-1998 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 ti\u1ebfp t\u1ee5c quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 cho vay v\u1ed1n c\u1ee7a c\u00e1c TCTD l\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN. M\u1eb7c d\u00f9 Lu\u1eadt c\u00e1c TCTD \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean 8 th\u00e1ng, nh\u01b0ng v\u1eabn ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 v\u00e0 \u0111ang g\u00e2y ra kh\u00f4ng \u00edt kh\u00f3 kh\u0103n, l\u00fang t\u00fang cho c\u00e1c TCTD trong vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 tr\u00ean th\u1ef1c t\u1ebf c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt c\u00f3 nh\u1eefng c\u00e1ch hi\u1ec3u r\u1ea5t kh\u00e1c nhau v\u1ec1 b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd c\u1ee7a ch\u1ebf \u0111\u1ecbnh b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay trong m\u1ed1i quan h\u1ec7 v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n

 <\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/a> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n

______<\/p>\n

B\u00e0i vi\u00eat \u0111\u00e3 \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 6-1999<\/u><\/em><\/strong>","protected":false},"excerpt":{"rendered":"

H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 b\u1ecb v\u00f4 hi\u1ec7u khi kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m? (TCNH) – Qua Quy\u1ebft \u0111\u1ecbnh kh\u00e1ng ngh\u1ecb c\u1ee7a Vi\u1ec7n ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao, kh\u00e1ng ngh\u1ecb B\u1ea3n \u00e1n kinh t\u1ebf ph\u00fac th\u1ea9m c\u1ee7a To\u00e0 Ph\u00fac th\u1ea9m – TAND T\u1ed1i cao t\u1ea1i H\u00e0 N\u1ed9i, x\u1eed v\u1ee5 ki\u1ec7n tranh ch\u1ea5p h\u1ee3p […]<\/p>\n","protected":false},"author":7,"featured_media":4806,"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-4799","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":"\n46. H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 b\u1ecb v\u00f4 hi\u1ec7u khi kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Li\u1ec7u h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng li\u1ec7u c\u00f3 b\u1ecb v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9 khi kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ho\u1eb7c vi ph\u1ea1m c\u00e1c th\u1ee7 t\u1ee5c v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n 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\/46-hop-dong-tin-dung-co-bi-vo-hieu-khi-khong-co-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]46. 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