{"id":4808,"date":"1999-04-13T21:36:29","date_gmt":"1999-04-13T14:36:29","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4808"},"modified":"2024-11-15T15:39:13","modified_gmt":"2024-11-15T08:39:13","slug":"42-mot-so-vuong-mac-can-duoc-quan-tam-khi-xay-dung-cac-van-ban-trien-khai-thuc-hien-luat-cac-to-chuc-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/42-mot-so-vuong-mac-can-duoc-quan-tam-khi-xay-dung-cac-van-ban-trien-khai-thuc-hien-luat-cac-to-chuc-tin-dung\/","title":{"rendered":"42. M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc c\u1ea7n \u0111\u01b0\u1ee3c quan t\u00e2m khi x\u00e2y d\u1ef1ng c\u00e1c v\u0103n b\u1ea3n tri\u1ec3n khai th\u1ef1c hi\u1ec7n Lu\u1eadt C\u00e1c TCTD"},"content":{"rendered":"

M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc c\u1ea7n \u0111\u01b0\u1ee3c quan t\u00e2m khi x\u00e2y d\u1ef1ng c\u00e1c v\u0103n b\u1ea3n tri\u1ec3n khai th\u1ef1c hi\u1ec7n Lu\u1eadt C\u00e1c TCTD<\/span><\/h4>\n
(TCNH)<\/u><\/em><\/strong> – <\/strong>Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em><\/strong> (TCTD) n\u0103m 1997 \u0111\u00e3 t\u1ea1o \u0111\u01b0\u1ee3c m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd kh\u00e1 v\u1eefng ch\u1eafc \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ho\u1ea1t \u0111\u1ed9ng an to\u00e0n c\u1ee7a c\u00e1c TCTD. Tuy nhi\u00ean, do Lu\u1eadt \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng thi\u1ebfu chi ti\u1ebft, c\u1ee5 th\u1ec3 v\u00e0 c\u00f2n ph\u1ee5 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn, n\u00ean b\u01b0\u1edbc \u0111\u1ea7u th\u1ef1c hi\u1ec7n \u0111\u00e3 xu\u1ea5t hi\u1ec7n m\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc. <\/strong><\/h5>\n
1- Ng\u00e2n h\u00e0ng TMCP li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp c\u00e1c c\u00f4ng ty con?<\/strong><\/h5>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 32, Lu\u1eadt c\u00e1c TCTD<\/em> quy \u0111\u1ecbnh: TCTD \u0111\u01b0\u1ee3c ph\u00e9p \u201cth\u00e0nh l\u1eadp c\u00f4ng ty tr\u1ef1c thu\u1ed9c c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n, h\u1ea1ch to\u00e1n \u0111\u1ed9c l\u1eadp b\u1eb1ng v\u1ed1n t\u1ef1 c\u00f3 \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng tr\u00ean m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7<\/em>\u201d.<\/p>\n

\u0110i\u1ec1u 74 c\u1ee7a Lu\u1eadt quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m: \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c l\u1eadp c\u00f4ng ty \u0111\u1ed9c l\u1eadp \u0111\u1ec3 kinh doanh b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d.<\/p>\n

C\u00e1c quy \u0111\u1ecbnh tr\u00ean c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c doanh, v\u00ec c\u00e1c c\u00f4ng ty Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c ph\u00e9p th\u00e0nh l\u1eadp c\u00e1c c\u00f4ng ty tr\u1ef1c thu\u1ed9c ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt Doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc <\/em>n\u0103m 1995. Nh\u01b0ng \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n th\u00ec kh\u00f4ng th\u1ec3 th\u00e0nh l\u1eadp c\u00f4ng ty tr\u1ef1c thu\u1ed9c \u0111\u01b0\u1ee3c, v\u00ec Lu\u1eadt C\u00f4ng ty<\/em> n\u0103m 1991 kh\u00f4ng cho ph\u00e9p. Theo Lu\u1eadt C\u00f4ng ty<\/em>, mu\u1ed1n th\u00e0nh l\u1eadp c\u00f4ng ty th\u00ec ph\u1ea3i c\u00f3 t\u1eeb 2 th\u00e0nh vi\u00ean (ch\u1ee7 th\u1ec3) tr\u1edf l\u00ean. Nh\u01b0 v\u1eady, ch\u1ec9 ri\u00eang t\u1eebng ng\u00e2n h\u00e0ng TMCP th\u00ec kh\u00f4ng th\u1ec3 th\u00e0nh l\u1eadp \u0111\u01b0\u1ee3c c\u00f4ng ty. C\u00f2n n\u1ebfu nh\u01b0, nhi\u1ec1u ng\u00e2n h\u00e0ng TMCP c\u00f9ng g\u00f3p v\u1ed1n \u0111\u1ec3 th\u00e0nh l\u1eadp c\u00f4ng ty, th\u00ec kh\u00e1i ni\u1ec7m \u201cc\u00f4ng ty tr\u1ef1c thu\u1ed9c<\/em>\u201d n\u00eau trong \u0110i\u1ec1u 32 Lu\u1eadt c\u00e1c <\/em>TCTD l\u1ea1i kh\u00f4ng c\u00f2n \u00fd ngh\u0129a gh\u00ec c\u1ea3. Trong D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n c\u0169ng ch\u01b0a th\u1ea5y h\u01b0\u1edbng d\u1eabn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y. N\u1ebfu cho r\u1eb1ng, \u0111i\u1ec1u lu\u1eadt tr\u00ean c\u00f3 n\u00f3i \u0111\u1ebfn vi\u1ec7c th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 \u0111i ng\u01b0\u1ee3c l\u1ea1i nguy\u00ean t\u1eafc th\u00e0nh l\u1eadp c\u00f4ng ty theo Lu\u1eadt C\u00f4ng ty hi\u1ec7n h\u00e0nh.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, c\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 kh\u00e1c v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD li\u00ean quan \u0111\u1ebfn Lu\u1eadt Doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc<\/em>, Lu\u1eadt C\u00f4ng ty<\/em>, Lu\u1eadt H\u1ee3p t\u00e1c x\u00e3,… <\/em>\u00a0th\u00ec th\u1ef1c hi\u1ec7n theo v\u0103n b\u1ea3n n\u00e0o? \u01afu ti\u00ean c\u00e1c quy \u0111\u1ecbnh chuy\u00ean ng\u00e0nh ng\u00e2n h\u00e0ng hay \u01b0u ti\u00ean c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt chung? N\u1ebfu th\u1ef1c hi\u1ec7n \u01b0u ti\u00ean theo c\u01a1 quan ban h\u00e0nh v\u00e0 th\u1eddi gian ban h\u00e0nh nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt<\/em> n\u0103m 1996, th\u00ec ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD ch\u1eafc ch\u1eafn s\u1ebd c\u00f2n g\u1eb7p ph\u1ea3i r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc. V\u00e0 s\u1ebd r\u1ea5t kh\u00f3 t\u00ecm th\u1ea5y m\u1ed9t quan \u0111i\u1ec3m chung gi\u1eefa c\u00e1c TCTD, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc c\u0169ng nh\u01b0 c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 tr\u00ean.<\/p>\n

V\u1eady ph\u1ea3i s\u1eeda \u0111\u1ed5i Lu\u1eadt C\u00f4ng ty<\/em> theo h\u01b0\u1edbng ch\u1ea5p nh\u1eadn c\u00f4ng ty tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n (c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n) m\u1ed9t ch\u1ee7 hay ph\u1ea3i s\u1eeda \u0111\u1ed5i Lu\u1eadt c\u00e1c TCTD<\/em> theo h\u01b0\u1edbng kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c quy \u0111\u1ecbnh c\u1ee7a c\u00e1c lu\u1eadt doanh nghi\u1ec7p kh\u00e1c?<\/p>\n

2- V\u1ec1 ph\u00e2n bi\u1ec7t gi\u1eefa kh\u00e2u th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay<\/strong><\/h5>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 53, Lu\u1eadt c\u00e1c TCTD<\/em> quy \u0111\u1ecbnh: \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i t\u1ed5 ch\u1ee9c vi\u1ec7c x\u00e9t duy\u1ec7t cho vay theo nguy\u00ean t\u1eafc ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m gi\u1eefa c\u00e1c kh\u00e2u th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay<\/em>\u201d.<\/p>\n

\u0110i\u1ec1u 15, Quy ch\u1ebf Cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/em> 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 quy \u0111\u1ecbnh r\u00f5 h\u01a1n: \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng x\u00e2y d\u1ef1ng quy tr\u00ecnh x\u00e9t duy\u1ec7t cho vay theo nguy\u00ean t\u1eafc b\u1ea3o \u0111\u1ea3m t\u00ednh \u0111\u1ed9c l\u1eadp v\u00e0 ph\u00e2n \u0111\u1ecbnh r\u00f5 r\u00e0ng tr\u00e1ch nhi\u1ec7m c\u00e1 nh\u00e2n, tr\u00e1ch nhi\u1ec7m li\u00ean \u0111\u1edbi gi\u1eefa kh\u00e2u th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay<\/em>\u201d.<\/p>\n

C\u00f3 th\u1ec3 n\u00f3i, \u0111\u00e2y l\u00e0 m\u1ed9t nguy\u00ean t\u1eafc ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m m\u1edbi \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o Lu\u1eadt c\u00e1c TCTD,<\/em> v\u00ec n\u00f3 ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong c\u00e1c quy \u0111\u1ecbnh v\u1ec1 cho vay t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay. Th\u1ebf nh\u01b0ng hi\u1ec3u th\u1ebf n\u00e0o l\u00e0 \u201ct\u00ednh \u0111\u1ed9c l\u1eadp<\/em>\u201d, th\u1ebf n\u00e0o l\u00e0 \u201ckh\u00e2u<\/em> th\u1ea9m \u0111\u1ecbnh<\/em>\u201d, v\u00e0 th\u1ebf n\u00e0o l\u00e0 \u201ckh\u00e2u<\/em> quy\u1ebft \u0111\u1ecbnh<\/em>\u201d \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng th\u00ec l\u1ea1i ch\u01b0a c\u00f3 v\u0103n b\u1ea3n quy \u0111\u1ecbnh? V\u00ec v\u1eady n\u1ea3y sinh kh\u00f4ng \u00edt v\u01b0\u1edbng m\u1eafc:<\/p>\n

– C\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u00f3 nhi\u1ec7m v\u1ee5 ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1, ph\u1ecfng v\u1ea5n kh\u00e1ch h\u00e0ng v\u00e0 qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n vay n\u00f3i chung c\u0169ng l\u00e0 tham gia \u201ckh\u00e2u<\/em> th\u1ea9m \u0111\u1ecbnh<\/em>\u201d hay ch\u1ec9 c\u00f3 c\u00e1n b\u1ed9 chuy\u00ean m\u00f4n l\u00e0m m\u1ed9t kh\u00e2u mang t\u00ednh k\u1ef9 thu\u1eadt t\u00ednh to\u00e1n, ph\u00e2n t\u00edch t\u00ecnh h\u00ecnh, s\u1ed1 li\u1ec7u c\u1ee7a d\u1ef1 \u00e1n m\u1edbi l\u00e0 c\u00e1n b\u1ed9 th\u1ea9m \u0111\u1ecbnh?<\/p>\n

– Nh\u1eefng c\u00e1n b\u1ed9 th\u1ea9m \u0111\u1ecbnh v\u00e0 nh\u1eefng c\u00e1n b\u1ed9, nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng \u00edt nhi\u1ec1u c\u00f3 tham gia v\u00e0o \u201ckh\u00e2u<\/em> th\u1ea9m \u0111\u1ecbnh<\/em>\u201d kh\u00e1ch h\u00e0ng ho\u1eb7c m\u00f3n vay, hi\u1ec3u theo ngh\u0129a r\u1ed9ng, li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c tham gia H\u1ed9i \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh vi\u1ec7c cho vay?<\/p>\n

– C\u00f3 ph\u1ea3i \u0111\u1eb7t ra c\u00e1c ph\u00f2ng, ban v\u00e0 c\u00e1n b\u1ed9 chuy\u00ean m\u00f4n th\u1ea9m \u0111\u1ecbnh ngo\u00e0i nh\u1eefng ph\u00f2ng t\u00edn d\u1ee5ng v\u00e0 c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng nh\u01b0 v\u1eabn l\u00e0m l\u00e2u nay?<\/p>\n

– Quy \u0111\u1ecbnh n\u00e0y kh\u00e1c tr\u01b0\u1edbc v\u1edbi \u0111\u00e2y v\u1ec1 b\u1ea3n ch\u1ea5t v\u00e0 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd th\u1ebf n\u00e0o hay ch\u1ec9 l\u00e0 m\u1edbi v\u1ec1 t\u1eeb ng\u1eef c\u00f2n th\u1ef1c ch\u1ea5t kh\u00f4ng l\u00e0m thay \u0111\u1ed5i v\u1ec1 n\u1ed9i dung?…<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, m\u1ed7i ng\u00e2n h\u00e0ng hi\u1ec3u v\u00e0 l\u00e0m m\u1ed9t c\u00e1ch kh\u00e1c nhau. Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i th\u00ec quy \u0111\u1ecbnh r\u00f5 3 kh\u00e2u qu\u1ea3n l\u00fd, th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay kh\u00e1c h\u1eb3n quy tr\u00ecnh nghi\u1ec7p v\u1ee5 c\u0169. Nh\u01b0ng Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n N\u00f4ng th\u00f4n th\u00ec l\u1ea1i quy \u0111\u1ecbnh g\u1ea7n nh\u01b0 kh\u00f4ng kh\u00e1c g\u00ec tr\u01b0\u1edbc \u0111\u00e2y…<\/p>\n

S\u1edf d\u0129 c\u00f3 t\u00ecnh tr\u1ea1ng nh\u01b0 v\u1eady l\u00e0 v\u00ec quy \u0111\u1ecbnh tr\u00ean c\u1ee7a Lu\u1eadt m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c hi\u1ec3u v\u00e0 th\u1ef1c hi\u1ec7n theo c\u00e1ch ti\u1ebfp c\u1eadn khoa h\u1ecdc v\u00e0 t\u1eeb ng\u1eef th\u00f4ng th\u01b0\u1eddng, ch\u1ee9 ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch b\u1eb1ng kh\u00e1i ni\u1ec7m ph\u00e1p l\u00fd. N\u1ebfu sau n\u00e0y, c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt ph\u1ea3i xem x\u00e9t, k\u1ebft lu\u1eadn c\u00e1c v\u1ee5 vi\u1ec7c c\u1ee5 th\u1ec3, th\u00ec v\u1ea5n \u0111\u1ec1 ch\u1eafc s\u1ebd kh\u00f4ng \u0111\u01a1n gi\u1ea3n. V\u00ec, c\u00e1c doanh nghi\u1ec7p kh\u00e1c c\u00f3 th\u1ec3 cho vay th\u01b0\u01a1ng m\u1ea1i m\u1ed9t c\u00e1ch t\u1ef1 do, nh\u01b0ng c\u00e1c TCTD th\u00ec nh\u1ea5t thi\u1ebft ph\u1ea3i th\u1ef1c hi\u1ec7n \u0111\u00fang Quy ch\u1ebf cho vay<\/em>.<\/p>\n

3- V\u1ec1 hai \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u01b0\u1ee3c cho vay<\/strong><\/h5>\n

Kho\u1ea3n 1, \u0110i\u1ec1u 77, Lu\u1eadt c\u00e1c TCTD<\/em> quy \u0111\u1ecbnh: \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi sau \u0111\u00e2y:<\/em><\/p>\n

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  1. a) Th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, Ban ki\u1ec3m so\u00e1t, T\u1ed5ng gi\u00e1m \u0111\u1ed1c (Gi\u00e1m \u0111\u1ed1c), Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c (Ph\u00f3 Gi\u00e1m \u0111\u1ed1c) c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;<\/em><\/li>\n
  2. b) Ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t cho vay;<\/em><\/li>\n
  3. c) B\u1ed1, m\u1eb9, v\u1ee3 ch\u1ed3ng, con c\u1ee7a th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, Ban ki\u1ec3m so\u00e1t, T\u1ed5ng gi\u00e1m \u0111\u1ed1c (Gi\u00e1m \u0111\u1ed1c), Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c (Ph\u00f3 Gi\u00e1m \u0111\u1ed1c) c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>\u201d.<\/li>\n<\/ol>\n

    Kh\u00e1c v\u1edbi \u0111i\u1ec3m a v\u00e0 c \u0111\u00e3 x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng, c\u00f2n \u0111i\u1ec3m b n\u00f3i tr\u00ean kh\u00f4ng quy \u0111\u1ecbnh \u201cng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t cho vay<\/em>\u201d l\u00e0 ng\u01b0\u1eddi c\u1ee7a t\u1ed5 ch\u1ee9c n\u00e0o. V\u00ec v\u1eady, hi\u1ec7n nay c\u1ea3 \u1edf NHNN Trung \u01b0\u01a1ng c\u0169ng nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, \u0111\u00e3 c\u00f3 m\u1ea5y quan \u0111i\u1ec3m gi\u1ea3i th\u00edch vi\u1ec7c c\u1ea5m n\u00e0y nh\u01b0 sau:<\/p>\n

    – C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi ch\u00ednh ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh v\u00e0 ng\u01b0\u1eddi x\u00e9t duy\u1ec7t cho vay m\u00f3n \u0111\u00f3;<\/p>\n

    – C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh v\u00e0 nh\u1eefng ng\u01b0\u1eddi x\u00e9t duy\u1ec7t cho vay trong t\u1eebng Chi nh\u00e1nh c\u1ee7a TCTD;<\/p>\n

    – C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi l\u00e0m nghi\u1ec7p v\u1ee5 (ngh\u1ec1) th\u1ea9m \u0111\u1ecbnh v\u00e0 nh\u1eefng ng\u01b0\u1eddi l\u00e0m nghi\u1ec7p v\u1ee5 x\u00e9t duy\u1ec7t cho vay trong c\u1ea3 TCTD;<\/p>\n

    – C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi l\u00e0m nghi\u1ec7p v\u1ee5 th\u1ea9m \u0111\u1ecbnh v\u00e0 nh\u1eefng ng\u01b0\u1eddi l\u00e0m nghi\u1ec7p v\u1ee5 x\u00e9t duy\u1ec7t cho vay c\u1ee7a m\u1ecdi TCTD.<\/p>\n

    Th\u1eadm ch\u00ed, do quy \u0111\u1ecbnh \u201cNg\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t cho vay<\/em>\u201d ch\u1ec9 c\u00f3 m\u1ed9t ch\u1eef \u201cng\u01b0\u1eddi<\/em>\u201d n\u00ean c\u00f2n c\u00f3 th\u1ec3 hi\u1ec3u l\u00e0, ch\u1ec9 c\u1ea5m m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng, m\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00f3 v\u1eeba th\u1ea9m \u0111\u1ecbnh l\u1ea1i v\u1eeba x\u00e9t duy\u1ec7t cho vay, ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u1ea5m hai \u0111\u1ed1i t\u01b0\u1ee3ng ri\u00eang. Ngo\u00e0i ra, ng\u01b0\u1eddi \u201cx\u00e9t duy\u1ec7t<\/em> cho vay<\/em>\u201d \u1edf \u0111\u00e2y c\u00f3 ph\u1ea3i l\u00e0 ng\u01b0\u1eddi \u201cquy\u1ebft \u0111\u1ecbnh cho vay<\/em>\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 53 n\u00f3i tr\u00ean hay kh\u00f4ng? V\u00ed d\u1ee5, tr\u01b0\u1edfng ph\u00f2ng t\u00edn d\u1ee5ng th\u01b0\u1eddng kh\u00f4ng \u201cquy\u1ebft \u0111\u1ecbnh<\/em>\u201d cho vay, nh\u01b0ng kh\u00f4ng th\u1ec3 n\u00f3i r\u1eb1ng h\u1ecd kh\u00f4ng c\u00f3 vai tr\u00f2 \u201cx\u00e9t duy\u1ec7t<\/em>\u201d cho vay.<\/p>\n

    \u0110\u00e1ng ti\u1ebfc l\u00e0, \u0110i\u1ec1u 20, Quy ch\u1ebf Cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/em> \u0111\u00e3 ch\u00e9p l\u1ea1i g\u1ea7n nh\u01b0 nguy\u00ean v\u0103n n\u1ed9i dung tr\u00ean m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 gi\u1ea3i th\u00edch.<\/p>\n

    \u0110a s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng, Lu\u1eadt ch\u1ec9 c\u1ea5m cho vay \u0111\u1ed1i v\u1edbi ch\u00ednh ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh v\u00e0 ng\u01b0\u1eddi x\u00e9t duy\u1ec7t cho vay m\u00f3n \u0111\u00f3, v\u00ec kh\u00f4ng c\u1ea7n thi\u1ebft c\u1ea5m r\u1ed9ng h\u01a1n, nh\u1ea5t l\u00e0 kh\u00f4ng th\u1ec3 c\u1ea5m \u201cti\u1ec7t \u0111\u01b0\u1eddng\u201d vi\u1ec7c vay mu\u01a1n c\u1ee7a hai \u0111\u1ed1i t\u01b0\u1ee3ng n\u00f3i tr\u00ean. Tuy nhi\u00ean, \u0111\u00f3 c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch hi\u1ec3u mang t\u00ednh suy di\u1ec5n ch\u1ee7 quan m\u00e0 th\u00f4i. V\u1eady hai \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb c\u1ea5m cho vay tr\u00ean, ch\u00ednh x\u00e1c l\u00e0 ai v\u00e0 c\u01a1 quan n\u00e0o c\u00f3 th\u1ea9m quy\u1ec1n gi\u1ea3i th\u00edch \u0110i\u1ec1u lu\u1eadt n\u00e0y?<\/p>\n

    4- V\u1ec1 hai \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng<\/strong><\/h5>\n

    Kho\u1ea3n 1, \u0110i\u1ec1u 78, Lu\u1eadt c\u00e1c TCTD<\/em> quy \u0111\u1ecbnh: \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, c\u1ea5p t\u00edn d\u1ee5ng v\u1edbi nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u01b0u \u0111\u00e3i cho nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng sau \u0111\u00e2y:<\/em><\/p>\n

      \n
    1. a) T\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n, Ki\u1ec3m to\u00e1n vi\u00ean \u0111ang ki\u1ec3m to\u00e1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; K\u1ebf to\u00e1n tr\u01b0\u1edfng, Thanh tra vi\u00ean;<\/em><\/li>\n
    2. b) C\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;<\/em><\/li>\n
    3. c) Doanh nghi\u1ec7p c\u00f3 m\u1ed9t trong nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u 77 c\u1ee7a Lu\u1eadt n\u00e0y s\u1edf h\u1eefu tr\u00ean 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a doanh nghi\u1ec7p \u0111\u00f3<\/em>.\u201d<\/li>\n<\/ol>\n

      V\u1edbi nguy\u00ean v\u0103n n\u1ed9i dung v\u00e0 k\u1ebft c\u1ea5u n\u1ed9i dung c\u1ee7a \u0111i\u1ec1u lu\u1eadt nh\u01b0 tr\u00ean, r\u00f5 r\u00e0ng kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c nh\u1eefng \u201cK\u1ebf to\u00e1n tr\u01b0\u1edfng<\/em>\u201d v\u00e0 \u201cThanh tra vi\u00ean<\/em>\u201d n\u00e0o ph\u1ea3i h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng, v\u00ec c\u00f3 h\u00e0ng ch\u1ee5c \u0111\u1ed1i t\u01b0\u1ee3ng ho\u00e0n to\u00e0n kh\u00e1c nhau c\u00f3 ch\u1ee9c danh \u201cK\u1ebf to\u00e1n tr\u01b0\u1edfng<\/em>\u201d v\u00e0 \u201cThanh tra vi\u00ean<\/em>\u201d.<\/p>\n

      \u0110i\u1ec1u 21, Quy ch\u1ebf Cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/em> c\u0169ng sao ch\u00e9p l\u1ea1i nguy\u00ean v\u0103n n\u1ed9i dung tr\u00ean m\u00e0 kh\u00f4ng h\u1ec1 c\u00f3 gi\u1ea3i th\u00edch g\u00ec th\u00eam.<\/p>\n

      \u0110\u1ea7u th\u00e1ng 10-1998, ch\u00fang t\u00f4i h\u1ecfi V\u1ee5 Nghi\u00ean c\u1ee9u Kinh t\u1ebf (Nay l\u00e0 V\u1ee5 Ch\u00ednh s\u00e1ch Ti\u1ec1n t\u1ec7) qua \u0111i\u1ec7n tho\u1ea1i th\u00ec \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi: \u201cK\u1ebf to\u00e1n tr\u01b0\u1edfng<\/em>\u201d l\u00e0 ng\u01b0\u1eddi c\u1ee7a TCTD c\u00f2n \u201cThanh tra vi\u00ean<\/em>\u201d l\u00e0 ng\u01b0\u1eddi c\u1ee7a NHNN. Trong H\u1ed9i ngh\u1ecb t\u1eadp hu\u1ea5n 2 Lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng ng\u00e0y 5-11-1998 t\u1ea1i 49 L\u00fd Th\u00e1i T\u1ed5, H\u00e0 N\u1ed9i, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n Ng\u1ecdc O\u00e1nh, Tr\u01b0\u1edfng ban So\u1ea1n th\u1ea3o Lu\u1eadt gi\u1ea3i \u0111\u00e1p: \u201cK\u1ebf to\u00e1n tr\u01b0\u1edfng<\/em>\u201d v\u00e0 \u201cThanh tra vi\u00ean<\/em>\u201d \u0111\u1ec1u l\u00e0 ng\u01b0\u1eddi c\u1ee7a TCTD. C\u00f2n \u00f4ng Tr\u1ecbnh C\u00f4ng Th\u1eafng, Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng C\u00f4ng Th\u01b0\u01a1ng, Th\u00e0nh vi\u00ean Ban so\u1ea1n th\u1ea3o Lu\u1eadt, trong b\u00e0i vi\u1ebft \u201cLu\u1eadt c\u00e1c TCTD t\u1eeb g\u00f3c \u0111\u1ed9 c\u00e1c quy \u0111\u1ecbnh an to\u00e0n<\/em>\u201d, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 24 th\u00e1ng 12-1998 th\u00ec gi\u1ea3i th\u00edch r\u00f5: \u201cK\u1ebf to\u00e1n tr\u01b0\u1edfng<\/em>\u201d v\u00e0 \u201cThanh tra vi\u00ean<\/em>\u201d l\u00e0 ng\u01b0\u1eddi c\u1ee7a T\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n \u0111ang ki\u1ec3m to\u00e1n t\u1ea1i TCTD. Nh\u01b0 v\u1eady, ch\u1ec9 ri\u00eang nh\u1eefng ng\u01b0\u1eddi \u201ctrong cu\u1ed9c<\/em>\u201d \u0111\u00e3 c\u00f3 ba c\u00e1ch gi\u1ea3i th\u00edch kh\u00e1c nhau.<\/p>\n

      N\u1ebfu cho r\u1eb1ng \u201cThanh tra vi\u00ean<\/em>\u201d l\u00e0 ng\u01b0\u1eddi c\u1ee7a NHNN th\u00ec h\u1ea1n ch\u1ebf cho vay \u0111\u1ed1i v\u1edbi to\u00e0n b\u1ed9 \u201cThanh tra vi\u00ean<\/em>\u201d \u1edf ph\u1ea1m vi c\u1ea3 n\u01b0\u1edbc hay ch\u1ec9 h\u1ea1n ch\u1ebf \u1edf nh\u1eefng t\u1ec9nh, th\u00e0nh ph\u1ed1 c\u00f3 c\u00f9ng tr\u1ee5 s\u1edf (k\u1ec3 c\u1ea3 chi nh\u00e1nh) v\u1edbi c\u00e1c TCTD hay ch\u1ec9 h\u1ea1n ch\u1ebf nh\u1eefng ng\u01b0\u1eddi \u0111ang ti\u1ebfn h\u00e0nh thanh tra t\u1ea1i TCTD? N\u1ebfu cho r\u1eb1ng \u201cThanh tra vi\u00ean<\/em>\u201d l\u00e0 ng\u01b0\u1eddi c\u1ee7a c\u00e1c TCTD th\u00ec e r\u1eb1ng qu\u00e1 g\u01b0\u1ee3ng \u00e9p, v\u00ec ch\u1ee9c danh n\u00e0y ch\u1ec9 c\u00f3 \u1edf c\u00e1c c\u01a1 quan c\u00f4ng quy\u1ec1n Nh\u00e0 n\u01b0\u1edbc, kh\u00f4ng c\u00f3 trong c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf n\u00f3i chung v\u00e0 TCTD n\u00f3i ri\u00eang. X\u00e9t v\u1ec1 h\u00ecnh th\u1ee9c k\u1ebft c\u1ea5u v\u0103n b\u1ea3n, quan \u0111i\u1ec3m th\u1ee9 ba c\u00f3 ph\u1ea7n h\u1ee3p l\u00fd h\u01a1n, v\u00ec c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea c\u00f9ng n\u1eb1m trong \u0111i\u1ec3m a, kho\u1ea3n 1 c\u1ee7a \u0111i\u1ec1u lu\u1eadt quy \u0111\u1ecbnh v\u1ec1 ki\u1ec3m to\u00e1n. N\u1ebfu c\u00e1c Nh\u00e0 l\u00e0m lu\u1eadt mu\u1ed1n \u00e1m ch\u1ec9 \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng li\u00ean quan \u0111\u1ebfn T\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n, th\u00ec \u0111\u00e3 t\u00e1ch th\u00e0nh m\u1ed9t \u0111i\u1ec3m ri\u00eang nh\u01b0 \u0111i\u1ec3m b ho\u1eb7c c. Tuy nhi\u00ean, n\u1ebfu \u0111\u00f3 l\u00e0 ng\u01b0\u1eddi c\u1ee7a T\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n th\u00ec Lu\u1eadt ph\u1ea3i ch\u1ec9 r\u00f5 v\u00e0 kh\u00f4ng th\u1ec3 d\u00f9ng d\u1ea5u ch\u1ea5m ph\u1ea3y (;) tr\u01b0\u1edbc \u0111o\u1ea1n \u201cK\u1ebf to\u00e1n tr\u01b0\u1edfng, Thanh tra vi\u00ean<\/em>\u201d. <\/em>Nh\u01b0ng quan tr\u1ecdng h\u01a1n, <\/em>n\u1ebfu l\u00e0 \u201cK\u1ebf to\u00e1n tr\u01b0\u1edfng<\/em>\u201c c\u1ee7a T\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n th\u00ec x\u00e9t v\u1ec1 b\u1ea3n ch\u1ea5t s\u1ef1 vi\u1ec7c, l\u1ea1i ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n h\u1ea1n ch\u1ebf, v\u00ec ch\u1eb3ng c\u00f3 \u1ea3nh h\u01b0\u1edfng g\u00ec \u0111\u1ebfn TCTD. C\u00f2n, ch\u1ee9c danh \u201cThanh tra vi\u00ean<\/em>\u201d nh\u01b0 \u0111\u00e3 n\u00f3i \u1edf tr\u00ean l\u00e0 kh\u00f4ng th\u1ec3 c\u00f3 trong c\u00e1c T\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n. N\u1ebfu c\u00f3 n\u01a1i n\u00e0o l\u1ea1m d\u1ee5ng t\u00ean g\u1ecdi n\u00e0y, th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 th\u1eeba nh\u1eadn v\u00e0 quy \u0111\u1ecbnh trong lu\u1eadt nh\u01b0 v\u1eady \u0111\u01b0\u1ee3c.<\/p>\n

      D\u00f9 sao th\u00ec l\u00e0 c\u1ea3 ba c\u00e1ch gi\u1ea3i th\u00edch tr\u00ean c\u0169ng m\u1edbi ch\u1ec9 l\u00e0 v\u1ec1 m\u1eb7t khoa h\u1ecdc, kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ch\u00ednh th\u1ee9c v\u00e0 c\u0169ng \u0111\u1ec1u c\u00f3 \u0111i\u1ec3m kh\u00f4ng tho\u1ea3 \u0111\u00e1ng. V\u00e0, cho d\u00f9 hai \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean l\u00e0 ai \u0111i ch\u0103ng n\u1eefa th\u00ec v\u1edbi quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u lu\u1eadt nh\u01b0 hi\u1ec7n nay c\u0169ng l\u00e0 r\u1ea5t kh\u00f3 hi\u1ec3u v\u00e0 kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. V\u00ec v\u1eady, \u0111\u1ec3 c\u00f3 th\u1ec3 hi\u1ec3u ch\u00ednh x\u00e1c, tr\u00e1nh t\u00ecnh tr\u1ea1ng kh\u00f4ng bi\u1ebft th\u1ebf n\u00e0o l\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt, c\u1ea7n thi\u1ebft ph\u1ea3i c\u00f3 v\u0103n b\u1ea3n gi\u1ea3i th\u00edch ch\u00ednh th\u1ee9c c\u1ee7a c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n. Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt<\/em>, th\u00ec vi\u1ec7c gi\u1ea3i th\u00edch Lu\u1eadt thu\u1ed9c th\u1ea9m quy\u1ec1n c\u1ee7a U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i.<\/p>\n

      5- V\u1ec1 gi\u1edbi h\u1ea1n cho vay \u0111\u1ed1i v\u1edbi c\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ee7a TCTD <\/strong><\/h5>\n

      Ti\u1ebfp theo tinh th\u1ea7n c\u1ee7a Ph\u00e1p l\u1ec7nh Ng\u00e2n h\u00e0ng, HTX t\u00edn d\u1ee5ng v\u00e0 C\u00f4ng ty t\u00e0i ch\u00ednh, \u0110i\u1ec1u 78, Lu\u1eadt c\u00e1c TCTD<\/em>, quy \u0111\u1ecbnh m\u1ed9t c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a TCTD tr\u1edf l\u00ean b\u1ecb c\u00e1c r\u00e0ng bu\u1ed9c sau:<\/p>\n

      – Kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m;<\/p>\n

      – Kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng v\u1edbi nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u01b0u \u0111\u00e3i;<\/p>\n

      – B\u1ea3n th\u00e2n c\u1ed5 \u0111\u00f4ng \u0111\u00f3 ho\u1eb7c c\u00f9ng v\u1edbi c\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn kh\u00e1c c\u1ed9ng v\u1edbi m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c n\u1eefa (trong \u0111\u00f3 c\u00f3 K\u1ebf to\u00e1n tr\u01b0\u1edfng v\u00e0 Thanh tra vi\u00ean \u0111\u00e3 ph\u00e2n t\u00edch \u1edf tr\u00ean) kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 v\u01b0\u1ee3t qu\u00e1 5% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

      Trong khi \u0111\u00f3, theo \u0110i\u1ec1u 79, Lu\u1eadt c\u00e1c TCTD<\/em>, \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng n\u00f3i chung ho\u1eb7c m\u1ed9t c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu d\u01b0\u1edbi 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7 n\u00f3i ri\u00eang th\u00ec l\u1ea1i c\u00f3 th\u1ec3:<\/p>\n

      – \u0110\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m;<\/p>\n

      – \u0110\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng v\u1edbi nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u01b0u \u0111\u00e3i;<\/p>\n

      – \u0110\u01b0\u1ee3c vay t\u1ed1i \u0111a l\u00ean \u0111\u1ebfn 15% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

      Lu\u1eadt quy \u0111\u1ecbnh vi\u1ec7c h\u1ea1n ch\u1ebf c\u1ea5p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean l\u00e0 ho\u00e0n to\u00e0n \u0111\u00fang \u0111\u1eafn v\u00e0 c\u1ea7n thi\u1ebft. Nh\u01b0ng r\u00f5 r\u00e0ng, vi\u1ec7c c\u00e2n nh\u1eafc gi\u1eefa t\u1ec9 l\u1ec7 15% n\u00f3i chung v\u00e0 5% trong tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 n\u00e0y l\u00e0 ch\u01b0a h\u1ee3p l\u00fd v\u00e0 kh\u00f4ng t\u01b0\u01a1ng x\u1ee9ng v\u1edbi kh\u1ea3 n\u0103ng v\u00e0 m\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD. C\u1ee5 th\u1ec3, t\u1ec9 l\u1ec7 5% l\u00e0 qu\u00e1 th\u1ea5p, qu\u00e1 m\u1ee9c ch\u1eb7t ch\u1ebd. V\u00ed d\u1ee5, 3 c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu 29% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a TCTD (m\u1ed7i c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu kh\u00f4ng qu\u00e1 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7), th\u00ec c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c vay t\u1ed1i \u0111a 45% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a TCTD. Nh\u01b0ng n\u1ebfu 3 c\u1ed5 \u0111\u00f4ng l\u1edbn s\u1edf h\u1eefu 30% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a TCTD (m\u1ed7i c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7), th\u00ec l\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c vay t\u1ed1i \u0111a 5% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a TCTD \u0111\u00f3. Ch\u01b0a n\u00f3i, c\u0169ng theo \u0110i\u1ec1u 79, trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t, t\u1ec9 l\u1ec7 15% n\u00f3i tr\u00ean c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p v\u01b0\u1ee3t qu\u00e1, c\u00f2n t\u1ec9 l\u1ec7 5% l\u1ea1i l\u00e0 gi\u1edbi h\u1ea1n b\u1ea5t di, b\u1ea5t d\u1ecbch.<\/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\u1ebft \u0111\u00e3 \u0111\u0103ng T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng 04-1999<\/u><\/em><\/strong>","protected":false},"excerpt":{"rendered":"

      M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc c\u1ea7n \u0111\u01b0\u1ee3c quan t\u00e2m khi x\u00e2y d\u1ef1ng c\u00e1c v\u0103n b\u1ea3n tri\u1ec3n khai th\u1ef1c hi\u1ec7n Lu\u1eadt C\u00e1c TCTD (TCNH) – Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) n\u0103m 1997 \u0111\u00e3 t\u1ea1o \u0111\u01b0\u1ee3c m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd kh\u00e1 v\u1eefng ch\u1eafc \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ho\u1ea1t \u0111\u1ed9ng an to\u00e0n c\u1ee7a c\u00e1c TCTD. Tuy […]<\/p>\n","protected":false},"author":7,"featured_media":4813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[36],"class_list":["post-4808","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":"\n42. M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc c\u1ea7n \u0111\u01b0\u1ee3c quan t\u00e2m khi x\u00e2y d\u1ef1ng c\u00e1c v\u0103n b\u1ea3n tri\u1ec3n khai th\u1ef1c hi\u1ec7n Lu\u1eadt C\u00e1c TCTD - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"X\u00e2y d\u1ef1ng thi\u1ebfu chi ti\u1ebft, c\u1ee5 th\u1ec3 & ph\u1ee5 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn, n\u00ean b\u01b0\u1edbc \u0111\u1ea7u th\u1ef1c hi\u1ec7n Lu\u1eadt C\u00e1c TCTD \u0111\u00e3 xu\u1ea5t hi\u1ec7n v\u01b0\u1edbng m\u1eafc.\" \/>\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\/en\/42-mot-so-vuong-mac-can-duoc-quan-tam-khi-xay-dung-cac-van-ban-trien-khai-thuc-hien-luat-cac-to-chuc-tin-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]42. 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