{"id":4849,"date":"1998-12-30T22:00:27","date_gmt":"1998-12-30T15:00:27","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4849"},"modified":"2024-11-15T16:26:09","modified_gmt":"2024-11-15T09:26:09","slug":"35-mot-so-vuong-mac-phap-ly-trong-cac-quy-dinh-ve-bao-dam-tien-vay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/35-mot-so-vuong-mac-phap-ly-trong-cac-quy-dinh-ve-bao-dam-tien-vay\/","title":{"rendered":"35. M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay"},"content":{"rendered":"

(TCNH) – M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay<\/strong><\/span><\/h4>\n
I\/ CH\u1ebe \u0110\u1ecaNH PH\u00c1P L\u00dd V\u1ec0 B\u1ea2O \u0110\u1ea2M TI\u1ec0N VAY<\/h5>\n

Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng g\u1ed3m c\u00f3: Th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh. Trong quan h\u1ec7 d\u00e2n s\u1ef1 v\u00e0 kinh t\u1ebf th\u00f4ng th\u01b0\u1eddng, c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n do c\u00e1c b\u00ean li\u00ean quan ho\u00e0n to\u00e0n t\u1ef1 nguy\u1ec7n tho\u1ea3 thu\u1eadn. Nh\u01b0ng, \u0111\u1ed1i v\u1edbi quan h\u1ec7 t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, k\u1ec3 t\u1eeb khi c\u00e1c ng\u00e2n h\u00e0ng chuy\u1ec3n sang ho\u1ea1t \u0111\u1ed9ng kinh doanh, c\u00e1c bi\u1ec7n ph\u00e1p n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ng\u00e2n h\u00e0ng cho vay v\u1ed1n, th\u1eadm ch\u00ed c\u00f3 n\u01a1i, c\u00f3 l\u00fac c\u00f2n \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean t\u1eafc cho vay.<\/p>\n

H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t d\u1ea1ng h\u1ee3p \u0111\u1ed3ng cho vay \u0111\u1eb7c bi\u1ec7t, v\u1eeba c\u00f3 th\u1ec3 l\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u1eeba c\u00f3 th\u1ec3 l\u00e0 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1. Theo \u0111\u00f3, c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng khi l\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, khi l\u1ea1i l\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1. V\u00ec v\u1eady, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean c\u01a1 s\u1edf c\u1ea3 hai ngu\u1ed3n lu\u1eadt tr\u00ean, m\u00e0 c\u00f3 th\u1ec3 tu\u00e2n theo Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf<\/em> n\u0103m 1989 v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995<\/em> (Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1<\/em> tr\u01b0\u1edbc \u0111\u00e2y). \u0110\u1eb7c \u0111i\u1ec3m \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 trong c\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n

– Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n vay v\u1ed1n ng\u00e2n h\u00e0ng,<\/em> ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 156\/NH-Q\u0110 ng\u00e0y 18-11-1989 c\u1ee7a T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc;<\/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 v\u00e0 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 vay v\u1ed1n ng\u00e2n h\u00e0ng<\/em>;<\/p>\n

– Quy ch\u1ebf th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng,<\/em> ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 217\/QQ\u0110-NH1 ng\u00e0y 17-8-1996 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (thay th\u1ebf Quy\u1ebft \u0111\u1ecbnh 156\/NH-Q\u0110).<\/p>\n

Qua th\u1ef1c hi\u1ec7n c\u00e1c v\u0103n b\u1ea3n tr\u00ean c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan, \u0111\u00e3 cho th\u1ea5y c\u00f2n kh\u00e1 nhi\u1ec1u v\u01b0\u1edbng m\u1eafc c\u1ea3 v\u1ec1 m\u1eb7t quy \u0111\u1ecbnh c\u0169ng nh\u01b0 v\u1ec1 quan \u0111i\u1ec3m nh\u1eadn th\u1ee9c.<\/p>\n

II\/ V\u01af\u1edaNG M\u1eaeC T\u1eea C\u00c1C QUY \u0110\u1ecaNH V\u1ec0 T\u00c0I S\u1ea2N B\u1ea2O \u0110\u1ea2M<\/strong><\/h5>\n
1- Th\u1ee7 t\u1ee5c ti\u1ebfp nh\u1eadn v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m qu\u00e1 ch\u1eb7t ch\u1ebd<\/strong><\/h5>\n

Trong c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, c\u00f3 hai \u0111i\u1ec1u ch\u1ee7 y\u1ebfu g\u00e2y kh\u00f3 kh\u0103n cho ng\u00e2n h\u00e0ng, \u0111\u00f3 l\u00e0:<\/p>\n

– Ph\u00e1p lu\u1eadt \u0111\u00f2i h\u1ecfi h\u1ea7u h\u1ebft vi\u1ec7c th\u1ebf ch\u1ea3p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng ph\u1ea3i l\u00e0m th\u1ee7 t\u1ee5c c\u00f4ng ch\u1ee9ng;<\/p>\n

– Ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng ph\u00e1t m\u1ea1i khi c\u1ea7n ph\u1ea3i x\u1eed l\u00fd c\u00e1c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay.<\/p>\n

V\u1ec1 m\u1eb7t l\u00fd thuy\u1ebft, m\u1ecdi chi ph\u00ed li\u00ean quan \u0111\u1ebfn hai qu\u00e1 tr\u00ecnh n\u00e0y \u0111\u1ec1u do kh\u00e1ch h\u00e0ng g\u00e1nh ch\u1ecbu, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf ng\u00e2n h\u00e0ng v\u1eabn kh\u00f4ng ph\u1ea3i kh\u00f4ng t\u1ed1n k\u00e9m, kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi ngo\u00e0i cu\u1ed9c. \u0110\u1eb7c bi\u1ec7t, vi\u1ec7c c\u00e1c kho\u1ea3n n\u1ee3 b\u1ecb \u0111\u00f3ng b\u0103ng, b\u1ecb k\u00e9o d\u00e0i th\u1eddi gian thu h\u1ed3i v\u1ed1n, b\u1ecb ph\u00e1t sinh n\u1ee3 qu\u00e1 h\u1ea1n v\u00e0 vi\u1ec7c ph\u1ea3i theo \u0111u\u1ed5i qu\u00e1 nhi\u1ec1u v\u1ee5 \u00e1n \u0111\u00f2i n\u1ee3 m\u1edbi ch\u00ednh l\u00e0 thi\u1ec7t h\u1ea1i ch\u1ee7 y\u1ebfu c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

V\u1ec1 c\u00f4ng ch\u1ee9ng, c\u00e1c n\u01b0\u1edbc th\u01b0\u1eddng c\u00f4ng ch\u1ee9ng v\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c, nh\u1eb1m x\u00e1c nh\u1eadn m\u1ed9t s\u1ef1 ki\u1ec7n ph\u00e1t sinh, c\u00f2n \u1edf Vi\u1ec7t Nam l\u1ea1i c\u00f4ng ch\u1ee9ng v\u1ec1 n\u1ed9i dung, nh\u1eb1m x\u00e1c nh\u1eadn b\u1ea3n ch\u1ea5t c\u1ee7a giao d\u1ecbch, cho n\u00ean r\u1ea5t kh\u00f3 kh\u0103n, phi\u1ec1n h\u00e0. V\u00ec v\u1eady \u0111\u00e3 c\u00f3 kh\u00f4ng \u00edt \u00fd ki\u1ebfn cho r\u1eb1ng: \u0110i\u1ec1u m\u00e0 ng\u00e2n h\u00e0ng c\u1ea7n, th\u00ec C\u01a1 quan c\u00f4ng ch\u1ee9ng kh\u00f4ng l\u00e0m, ng\u01b0\u1ee3c l\u1ea1i vi\u1ec7c c\u00f4ng ch\u1ee9ng l\u00e0m l\u00e2u nay kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c bao nhi\u00eau t\u00e1c d\u1ee5ng v\u00e0 \u00fd ngh\u0129a th\u1ef1c t\u1ebf, th\u1eadm ch\u00ed l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

2- C\u00e1c quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n thi\u1ebfu \u0111\u1ed3ng b\u1ed9<\/strong><\/h5>\n

Hi\u1ec7n nay, h\u1ea7u h\u1ebft c\u00e1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1eabn ch\u01b0a c\u00f3 ho\u1eb7c ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u1ea7n thi\u1ebft v\u1ec1 gi\u1ea5y t\u1edd ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc, doanh nghi\u1ec7p \u0111o\u00e0n th\u1ec3 v\u00e0 \u1edf khu v\u1ef1c n\u00f4ng th\u00f4n. C\u0169ng ch\u01b0a c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 ph\u1ea1m vi v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, \u0111\u0103ng k\u00fd v\u00e0 x\u00e1c nh\u1eadn c\u00e1c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

Vi\u1ec7c v\u1eeba qua, C\u01a1 quan qu\u1ea3n l\u00fd v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n Nh\u00e0 n\u01b0\u1edbc t\u1ea1i doanh nghi\u1ec7p \u0111\u01b0\u1ee3c giao tr\u00e1ch nhi\u1ec7m x\u00e1c nh\u1eadn t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p t\u00ecnh th\u1ebf v\u00e0 c\u00f3 ph\u1ea7n thi\u1ebfu c\u0103n c\u1ee9 ph\u00e1p l\u00fd, v\u00ec vi\u1ec7c c\u00f3 x\u00e1c nh\u1eadn t\u00e0i s\u1ea3n \u0111\u1ec3 mang \u0111i c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p hay kh\u00f4ng v\u1eabn ph\u1ea3i c\u0103n c\u1ee9 v\u00e0o quy\u1ec1n s\u1edf h\u1eefu v\u00e0 gi\u1ea5y t\u1edd s\u1edf h\u1eefu. V\u00ec v\u1eady, vi\u1ec7c tri\u1ec3n khai tr\u00ean th\u1ef1c t\u1ebf nh\u01b0ng quy \u0111\u1ecbnh nh\u01b0 th\u1ebf l\u00e0 r\u1ea5t kh\u00f3 kh\u0103n.<\/p>\n

Vi\u1ec7c ng\u00e2n h\u00e0ng nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m tr\u00ean c\u01a1 s\u1edf gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu c\u0169ng v\u1eabn thi\u1ebfu an to\u00e0n, v\u1eabn kh\u00f4ng \u0111\u01b0\u1ee3c coi l\u00e0 h\u1ee3p ph\u00e1p v\u00ec r\u01a1i v\u00e0o tr\u01b0\u1eddng h\u1ee3p:<\/p>\n

– Nhi\u1ec1u t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu chung c\u1ea7n ph\u1ea3i c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a c\u00e1c \u0111\u1ed3ng s\u1edf h\u1eefu nh\u01b0ng gi\u1ea5y t\u1edd l\u1ea1i ch\u1ec9 ghi t\u00ean m\u1ed9t ng\u01b0\u1eddi (nh\u01b0 s\u1edf h\u1eefu chung \u00f4 t\u00f4, xe m\u00e1y c\u1ee7a v\u1ee3 ch\u1ed3ng theo Lu\u1eadt H\u00f4n nh\u00e2n v\u00e0 Gia \u0111\u00ecnh<\/em> n\u0103m 1986);<\/p>\n

– C\u00e1c t\u00e0i s\u1ea3n c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn s\u1edf h\u1eefu ho\u00e0n to\u00e0n h\u1ee3p ph\u00e1p, nh\u01b0ng kh\u00e1ch h\u00e0ng c\u00f3 \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n \u0111\u00f3 do ngu\u1ed3n thu nh\u1eadp b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n

Th\u1eadm ch\u00ed, ngay \u0111\u1ed1i v\u1edbi c\u00e1c Ng\u00e2n h\u00e0ng TMCP hi\u1ec7n nay c\u0169ng kh\u00f4ng r\u00f5 m\u00ecnh thu\u1ed9c lo\u1ea1i s\u1edf h\u1eefu g\u00ec \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 theo Lu\u1eadt h\u00ecnh s\u1ef1, v\u00ec c\u00f9ng lo\u1ea1i h\u00e0nh vi chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n nh\u01b0 nhau, nh\u01b0ng n\u01a1i n\u00e0y th\u00ec truy t\u1ed1 v\u00e0 x\u00e9t x\u1eed theo t\u1ed9i danh x\u00e2m ph\u1ea1m t\u00e0i s\u1ea3n XHCN, n\u01a1i kh\u00e1c l\u1ea1i theo t\u1ed9i danh x\u00e2m ph\u1ea1m t\u00e0i s\u1ea3n c\u1ee7a c\u00f4ng d\u00e2n.<\/p>\n

3- C\u00e1c quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ch\u01b0a th\u00f4ng tho\u00e1ng<\/strong><\/h5>\n

C\u00e1c trung t\u00e2m b\u00e1n \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n m\u1edbi c\u00f3 \u1edf m\u1ed9t s\u1ed1 \u0111\u1ecba ph\u01b0\u01a1ng, nh\u01b0ng l\u1ea1i c\u00f3 t\u00ecnh tr\u1ea1ng \u0111\u1ea5u gi\u00e1 b\u1eb1ng b\u1ecf phi\u1ebfu k\u00edn v\u00e0 ch\u1ec9 ti\u1ebfn h\u00e0nh m\u1ed9t l\u1ea7n, kh\u00f4ng b\u1ea3o \u0111\u1ea3m kh\u00e1ch quan v\u00e0 kh\u1ea3 n\u0103ng b\u00e1n \u0111\u01b0\u1ee3c v\u1edbi gi\u00e1 cao nh\u1ea5t. Ch\u01b0a k\u1ec3, vi\u1ec7c mu\u1ed1n \u0111\u01b0a ra b\u00e1n \u0111\u1ea5u gi\u00e1, th\u00ec ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i tho\u1ea3 thu\u1eadn \u0111\u01b0\u1ee3c v\u1ec1 \u0111i\u1ec1u n\u00e0y, n\u1ebfu kh\u00f4ng v\u1eabn ph\u1ea3i kh\u1edfi ki\u1ec7n ra To\u00e0 \u00e1n.<\/p>\n

H\u1ea7u h\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u1edbn c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 thu\u1ed9c v\u1ec1 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 c\u00f3 th\u1ec3 kh\u1edfi ki\u1ec7n ra To\u00e0 kinh t\u1ebf \u0111\u1ec3 x\u00e9t x\u1eed v\u1edbi th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, nhanh ch\u00f3ng. Nh\u01b0ng \u0111\u1ebfn ph\u1ea7n quan tr\u1ecdng \u0111\u1ec3 mang l\u1ea1i k\u1ebft qu\u1ea3 th\u1ef1c t\u1ebf l\u00e0 thi h\u00e0nh b\u1ea3n \u00e1n, th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo tr\u00ecnh t\u1ef1 thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 th\u00f4ng th\u01b0\u1eddng, n\u00ean c\u0169ng kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch.<\/p>\n

Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng con \u0111\u01b0\u1eddng Tr\u1ecdng t\u00e0i tuy c\u00f3 nhi\u1ec1u \u01b0u \u0111i\u1ec3m, nh\u01b0ng h\u1ea7u h\u1ebft c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng hi\u1ec7n nay v\u1eabn ch\u01b0a th\u00e0nh l\u1eadp \u0111\u01b0\u1ee3c c\u00e1c Trung t\u00e2m Tr\u1ecdng t\u00e0i kinh t\u1ebf theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 116\/CP ng\u00e0y 5-9-1994 c\u1ee7a Ch\u00ednh ph\u1ee7. M\u1eb7t kh\u00e1c, n\u1ebfu ph\u00e1n quy\u1ebft c\u1ee7a Tr\u1ecdng t\u00e0i l\u1ea1i kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb c\u01b0\u1ee1ng ch\u1ebf thi h\u00e0nh nh\u01b0 quy \u0111\u1ecbnh hi\u1ec7n nay, th\u00ec c\u0169ng g\u00e2y tr\u1edf ng\u1ea1i, \u00e1ch t\u1eafc cho c\u00e1c b\u00ean tranh ch\u1ea5p .<\/p>\n

4- C\u00e1c quy \u0111\u1ecbnh ch\u01b0a ph\u00f9 h\u1ee3p v\u1edbi quan h\u1ec7 t\u00edn d\u1ee5ng<\/strong><\/h5>\n

Nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh trong c\u00e1c v\u0103n b\u1ea3n hi\u1ec7n h\u00e0nh l\u00e0 qu\u00e1 ch\u1eb7t ch\u1ebd, kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00f3i chung c\u0169ng nh\u01b0 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng c\u00f3 r\u1ea5t nhi\u1ec1u n\u00e9t \u0111\u1eb7c th\u00f9 n\u00f3i ri\u00eang.<\/p>\n

Ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd c\u00e1c bi\u1ec7p ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng l\u00e0 nh\u1eb1m b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a m\u1ecdi ch\u1ee7 s\u1edf h\u1eefu khi tham gia c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 v\u00e0 kinh t\u1ebf. Nh\u01b0ng c\u00f3 m\u1ed9t ngh\u1ecbch l\u00fd l\u00e0, v\u00ec quy \u0111\u1ecbnh qu\u00e1 ch\u1eb7t ch\u1ebd, n\u00ean quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m. Trong nh\u1eefng n\u0103m qua, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian, c\u00f4ng s\u1ee9c v\u00e0 chi ph\u00ed cho vi\u1ec7c ho\u00e0n th\u00e0nh th\u1ee7 t\u1ee5c ti\u1ebfp nh\u1eadn v\u00e0 x\u1eed l\u00fd c\u00e1c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh. V\u00e0 ch\u00ednh s\u1ef1 kh\u00f3 kh\u0103n \u0111\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng, l\u1ea1i d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 ti\u1ebfp theo l\u00e0, l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng b\u1ecb \u1ea3nh h\u01b0\u1edfng x\u1ea5u.<\/p>\n

Ngo\u00e0i ra, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh hi\u1ec7n nay c\u00f3 ph\u1ea7n c\u00f2n h\u1ea1n ch\u1ebf v\u1ec1 c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, v\u1ec1 m\u1ee9c kh\u1ed1ng ch\u1ebf t\u1ec9 l\u1ec7 cho vay so v\u1edbi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 c\u1ea7m c\u1ed1.<\/p>\n

Nhi\u1ec1u khi c\u00e1c ng\u00e2n h\u00e0ng l\u1ea1i ch\u1ecdn gi\u1ea3i ph\u00e1p nh\u1edd c\u00e1c c\u01a1 quan Ph\u00e1p lu\u1eadt x\u1eed l\u00fd, m\u1eb7c d\u00f9 v\u1eeba l\u00e2u, v\u1eeba t\u1ed1n k\u00e9m so v\u1edbi vi\u1ec7c c\u00f9ng v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u1ee9ng ra b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Nguy\u00ean nh\u00e2n l\u00e0 s\u1ee3 tr\u00e1ch nhi\u1ec7m, kh\u00f4ng gi\u1ea3m gi\u1ea3i ch\u1ea5p khi kh\u00f4ng thu \u0111\u1ee7 n\u1ee3, m\u1eb7c d\u00f9 theo quy \u0111\u1ecbnh th\u00ec kh\u00e1ch h\u00e0ng v\u1eabn ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m tr\u1ea3 s\u1ed1 h\u1ee3 c\u00f2n thi\u1ebfu.<\/p>\n

Ngo\u00e0i ra, sau khi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n cho c\u01a1 quan thi h\u00e0nh \u00e1n ph\u00e1t m\u1ea1i c\u0169ng v\u1eabn c\u00f2n nh\u1eefng v\u01b0\u1edbng m\u1eafc th\u1ef1c t\u1ebf. Ch\u1eb3ng h\u1ea1n, trong c\u00e1c b\u1ea3n \u00e1n c\u00f3 li\u00ean quan \u0111\u1ebfn ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 th\u01b0\u1eddng ghi m\u1ed9t c\u00e2u: K\u1ec3 t\u1eeb th\u00e1ng th\u1ee9 hai, sau khi b\u1ea3n \u00e1n c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt, s\u1ed1 ti\u1ec1n ch\u01b0a thanh to\u00e1n s\u1ebd ph\u1ea3i tr\u1ea3 l\u00e3i theo l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n (ho\u1eb7c l\u00e3i su\u1ea5t\u00a0 ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n) do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh. Trong khi \u0111\u00f3, k\u1ec3 t\u1eeb ng\u00e0y 1-1-1996, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 kh\u00f4ng c\u00f2n quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m. Hi\u1ec7n nay, m\u1ed7i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ef1 quy \u0111\u1ecbnh m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ri\u00eang, kh\u00f4ng c\u00f3 l\u00e3i su\u1ea5t n\u00e0o c\u00f3 th\u1ec3 g\u1ecdi l\u00e0 c\u1ee7a “Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc”. Nh\u01b0 v\u1eady, s\u1ebd kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u1ec1 m\u1ee9c l\u00e3i ti\u1ebft ki\u1ec7m \u0111\u1ec3 t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n l\u00e3i do ng\u01b0\u1eddi vay ch\u1eadm tr\u1ea3. R\u00f5 r\u00e0ng, vi\u1ec7c gi\u1ea3i quy\u1ebft xong tranh ch\u1ea5p n\u00e0y l\u1ea1i sinh ra tranh ch\u1ea5p kh\u00e1c m\u00e0 kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c.<\/p>\n

III\/ V\u01af\u1edaNG M\u1eaeC T\u1eea C\u00c1C QUY \u0110\u1ecaNH V\u1ec0 NG\u00c2N H\u00c0NG <\/strong><\/h5>\n
1- V\u1ec1 hi\u1ec7u l\u1ef1c c\u1ee7a v\u0103n b\u1ea3n chuy\u00ean ng\u00e0nh<\/strong><\/h5>\n

Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ban h\u00e0nh c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt<\/em> n\u0103m 1996 v\u00e0 Lu\u1eadt NHNN Vi\u1ec7t Nam<\/em> n\u0103m 1997, th\u00ec v\u0103n b\u1ea3n c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng c\u0169ng ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi v\u0103n b\u1ea3n c\u1ee7a b\u1ea5t k\u1ef3 m\u1ed9t B\u1ed9 n\u00e0o kh\u00e1c. Nh\u01b0 v\u1eady, n\u1ebfu x\u1ea3y ra t\u00ecnh tr\u1ea1ng c\u00e1c quy \u0111\u1ecbnh m\u00e2u thu\u1eabn, ch\u1ed3ng ch\u00e9o gi\u1eefa NHNN v\u1edbi c\u00e1c ng\u00e0nh, ho\u1eb7c v\u0103n b\u1ea3n c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 Qu\u1ed1c h\u1ed9i v\u1ec1 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng m\u00e2u thu\u1eabn v\u1edbi v\u0103n b\u1ea3n thu\u1ed9c l\u0129nh v\u1ef1c kh\u00e1c, th\u00ec v\u0103n b\u1ea3n chuy\u00ean ng\u00e0nh v\u1ec1 ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c \u01b0u ti\u00ean.<\/p>\n

Theo Lu\u1eadt Ban h\u00e0nh c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt<\/em>, v\u0103n b\u1ea3n ph\u00e1p quy ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n d\u01b0\u1edbi m\u1ed9t h\u00ecnh th\u1ee9c nh\u1ea5t \u0111\u1ecbnh. Th\u1ebf nh\u01b0ng NHNN \u0111\u00e3 ban h\u00e0nh nhi\u1ec1u v\u0103n b\u1ea3n c\u00f3 c\u00e1c n\u1ed9i dung quy \u0111\u1ecbnh kh\u00f4ng \u0111\u00fang h\u00ecnh th\u1ee9c lu\u1eadt \u0111\u1ecbnh. V\u00ed d\u1ee5: Tr\u01b0\u1edbc \u0111\u00e2y c\u00f3 Th\u00f4ng b\u00e1o 08 n\u0103m 1991 \u0111\u00e3 g\u00e2y ra nhi\u1ec1u tranh c\u00e3i trong v\u1ee5 TAMEXCO. V\u1eeba qua, c\u00f3 C\u00f4ng v\u0103n s\u1ed1 417\/CV-NH14 ng\u00e0y 31-5-1997 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 li\u00ean quan \u0111\u1ebfn c\u00f4ng t\u00e1c t\u00edn d\u1ee5ng Ng\u00e2n h\u00e0ng<\/em>. G\u1ea7n \u0111\u00e2y, l\u1ea1i l\u1ea1i c\u00f3 C\u00f4ng v\u0103n s\u1ed1 898\/CV-NHNN10 ng\u00e0y 28-9-1998 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh 2 lu\u1eadt ng\u00e2n h\u00e0ng, <\/em>trong \u0111\u00f3 ch\u1ee9a \u0111\u1ef1ng r\u1ea5t nhi\u1ec1u quy ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

Nh\u01b0 v\u1eady, hi\u1ec7u l\u1ef1c c\u00e1c v\u0103n b\u1ea3n tr\u00ean kh\u00f4ng cao, th\u1eadm ch\u00ed, n\u00f3 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt th\u1eeba nh\u1eadn, v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ec3 d\u01b0\u1edbi d\u01b0\u1edbi m\u1ed9t trong ba h\u00ecnh th\u1ee9c v\u0103n b\u1ea3n ph\u00e1p quy c\u1ee7a c\u1ea5p B\u1ed9.<\/p>\n

G\u1ea7n \u0111\u00e2y, NHNN c\u00f2n c\u00f3 t\u00ecnh tr\u1ea1ng, thay b\u1eb1ng g\u1eedi b\u1ea3n ch\u00ednh th\u00ec l\u1ea1i ch\u1ec9 g\u1eedi b\u1ea3n sao c\u00e1c v\u0103n b\u1ea3n ph\u00e1p quy cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Th\u1eadm ch\u00ed, ngay c\u00e1c b\u1ea3n sao v\u0103n b\u1ea3n ph\u00e1p quy c\u0169ng kh\u00f4ng c\u00f3 ch\u1eef k\u00fd th\u1eadt, m\u00e0 ch\u1ec9 l\u00e0 ch\u1eef k\u00fd ph\u00f4 t\u00f4, nh\u01b0 v\u1eady kh\u00e1c n\u00e0o hai l\u1ea7n sao.<\/p>\n

2- M\u1ed9t s\u1ed1 v\u0103n b\u1ea3n ch\u01b0a c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng<\/strong><\/h5>\n

– Th\u00f4ng t\u01b0 li\u00ean B\u1ed9 s\u1ed1 01 ng\u00e0y 3-7-1996 c\u00f3 t\u00ean l\u00e0: “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 doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc 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 vay v\u1ed1n ng\u00e2n h\u00e0ng”<\/em> l\u00e0m cho m\u1ed9t s\u1ed1 Ph\u00f2ng c\u00f4ng ch\u1ee9ng v\u00e0 nhi\u1ec1u ng\u01b0\u1eddi hi\u1ec3u nh\u1ea7m l\u00e0 ch\u1ec9 h\u01b0\u1edbng d\u1eabn th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p v\u00e0 c\u00f4ng ch\u1ee9ng \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

– C\u00f4ng v\u0103n s\u1ed1 417\/CV-NH14 ng\u00e0y 31-5-1997 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc “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”<\/em>, l\u00e0m cho m\u1ed9t s\u1ed1 Ph\u00f2ng c\u00f4ng ch\u1ee9ng v\u00e0 C\u1ee5c qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n Nh\u00e0 n\u01b0\u1edbc t\u1ea1i doanh nghi\u1ec7p hi\u1ec3u nh\u1ea7m l\u00e0 b\u00e3i b\u1ecf vi\u1ec7c th\u1ebf ch\u1ea5p \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc vay v\u1ed1n ng\u00e2n h\u00e0ng.<\/p>\n

– C\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh v\u00e0 h\u01b0\u1edbng d\u1eabn v\u1ec1 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ee7a NHNN ch\u01b0a c\u00f3 s\u1ef1 vi\u1ec7n d\u1eabn ho\u1eb7c gi\u1ea3i th\u00edch c\u1ea7n thi\u1ebft v\u1ec1 s\u1ef1 li\u00ean quan v\u1edbi ch\u1ebf \u0111\u1ed9 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1, n\u00ean c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng r\u1ea5t l\u00fang t\u00fang khi ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan. Ch\u1ec9 th\u1ecb s\u1ed1 08\/CT-NHNN14 ng\u00e0y 3-10-1998 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 vi\u1ec7c n\u00e2ng c\u00e1o ch\u1ea5t l\u01b0\u01b0\u1ecdng t\u00edn d\u1ee5ng, g\u00f3p ph\u1ea7n t\u0103ng tru\u1edfng kinh t\u1ebf v\u00e0 \u0111\u1ea3m b\u1ea3o an to\u00e0n, hi\u1ec7u qu\u1ea3 \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng<\/em> l\u1ea1i ch\u1ec9 nh\u1eafc \u0111\u1ebfn m\u1ed9t lo\u1ea1i th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ee5 \u00e1n kinh t\u1ebf (06 th\u00e1ng). Nh\u01b0 v\u1eady c\u0169ng d\u1ec5 l\u00e0m cho c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec3u sai r\u1eb1ng, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ch\u1ec9 l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1.<\/p>\n

Nh\u1eefng v\u01b0\u1edbng m\u1eafc tr\u00ean, c\u00f3 nguy\u00ean nh\u00e2n ch\u1ee7 y\u1ebfu l\u00e0 do s\u1ef1 kh\u00f4ng nghi\u00ean c\u1ee9u k\u1ef9 v\u0103n b\u1ea3n ho\u1eb7c thi\u1ebfu am hi\u1ec3u v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, nh\u01b0ng c\u0169ng c\u00f3 nguy\u00ean nh\u00e2n quan tr\u1ecdng l\u00e0, do h\u00ecnh th\u1ee9c v\u00e0 n\u1ed9i dung c\u1ee7a v\u0103n b\u1ea3n \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y ch\u01b0a r\u00f5 r\u00e0ng, h\u1ee3p l\u00fd.<\/p>\n

Ngo\u00e0i ra, nhi\u1ec1u v\u0103n b\u1ea3n ph\u00e1p quy c\u1ee7a NHNN c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u0103ng tr\u00ean C\u00f4ng b\u00e1o theo quy \u0111\u1ecbnh \u0111\u1ec3 ph\u1ed5 bi\u1ebfn r\u1ed9ng r\u00e3i \u0111\u1ebfn c\u00e1c ng\u00e0nh, c\u00e1c c\u1ea5p v\u00e0 m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng quan t\u00e2m.<\/p>\n

IV\/ HO\u00c0N THI\u1ec6N C\u00c1C V\u0102N B\u1ea2N PH\u00c1P LU\u1eacT V\u1ec0 NG\u00c2N H\u00c0NG<\/strong><\/h5>\n
1- X\u00e2y d\u1ef1ng c\u00e1c v\u0103n b\u1ea3n \u0111\u1ed9c l\u1eadp cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng <\/strong><\/h5>\n
Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u00f3 \u0111\u1eb7c th\u00f9 r\u1ea5t quan tr\u1ecdng. Ng\u00e2n h\u00e0ng \u1edf n\u01b0\u1edbc n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t \u0111\u1ecbnh ch\u1ebf r\u1ea5t \u0111\u1eb7c bi\u1ec7t, NHNN kh\u00f4ng gi\u1ed1ng v\u1edbi b\u1ea5t c\u1ee9 B\u1ed9, ng\u00e0nh kinh t\u1ebf n\u00e0o, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng kh\u00f4ng gi\u1ed1ng v\u1edbi b\u1ea5t c\u1ee7a m\u1ed9t lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p th\u00f4ng th\u01b0\u1eddng n\u00e0o. Ph\u00e1p lu\u1eadt v\u1ec1 T\u00e0i ch\u00ednh – Ng\u00e2n h\u00e0ng c\u0169ng \u0111\u01b0\u1ee3c ph\u00e2n bi\u1ec7t l\u00e0 m\u1ed9t ng\u00e0nh lu\u1eadt \u0111\u1ed9c l\u1eadp trong t\u1ed5ng s\u1ed1 12 ng\u00e0nh lu\u1eadt theo ph\u00e2n lo\u1ea1i khoa h\u1ecdc ph\u00e1p l\u00fd c\u1ee7a Vi\u1ec7t Nam hi\u1ec7n nay.<\/h5>\n

D\u01b0\u1eddng nh\u01b0, th\u1eddi gian qua vi\u1ec7c x\u00e2y d\u1ef1ng c\u00e1c v\u0103n b\u1ea3n ph\u00e1p quy c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng d\u1ef1a tr\u00ean quan \u0111i\u1ec3m cho r\u1eb1ng c\u00e1c quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i ph\u00f9 h\u1ee3p ho\u00e0n to\u00e0n ho\u1eb7c t\u01b0\u01a1ng t\u1ef1 v\u1edbi c\u00e1c quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho c\u00e1c l\u0129nh v\u1ef1c. V\u00ec v\u1eady, \u0111\u00e1ng ti\u1ebfc l\u00e0, Lu\u1eadt NHNN Vi\u1ec7t Nam<\/em> v\u00e0 Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em> \u0111\u00e3 kh\u00f4ng thi\u1ebft ch\u1ebf \u0111\u01b0\u1ee3c nh\u1eefng quy \u0111\u1ecbnh \u0111\u1ea7y \u0111\u1ee7, c\u1ea7n thi\u1ebft v\u00e0 \u0111\u1ed9c l\u1eadp cho ng\u00e0nh Ng\u00e2n h\u00e0ng. V\u00ed d\u1ee5, v\u1ea5n \u0111\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb c\u1ee7a c\u00e1c c\u00f4ng ty c\u1ed5 ph\u1ea7n v\u00e0 c\u00e1c doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3 trong Lu\u1eadt C\u00f4ng ty<\/em> n\u0103m 1990 v\u00e0 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\u00ec l\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Ngh\u1ecb \u0111\u1ecbnh (\u0111ang d\u1ef1 th\u1ea3o). Nh\u01b0 v\u1eady l\u00e0 \u0111\u00e3 v\u00f4 h\u00ecnh trung h\u1ea1 th\u1ea5p \u0111\u1ecba v\u1ecb ph\u00e1p l\u00fd c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng. Gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd c\u1ee7a c\u00e1c quy \u0111\u1ecbnh v\u1ec1 H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 b\u1eb1ng c\u00e1c quy \u0111\u1ecbnh c\u1ee7a hai Lu\u1eadt tr\u00ean. Ch\u01b0a n\u00f3i, r\u1ed3i sau n\u00e0y, Lu\u1eadt C\u00f4ng ty<\/em> v\u00e0 Lu\u1eadt Doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc<\/em> s\u1ebd \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i kh\u00e1c \u0111i, th\u00ec c\u00e1c quy \u0111\u1ecbnh li\u00ean quan v\u1ec1 Ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0\u01a1ng nhi\u00ean b\u1ecb v\u00f4 hi\u1ec7u ho\u00e1?<\/p>\n

Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em> \u0111\u00e3 kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c mong m\u1ecfi v\u00e0 y\u00eau c\u1ea7u c\u1ea7n thi\u1ebft. V\u00ec n\u1ebfu c\u1ee9 ph\u1ea3i d\u1ef1a v\u00e0o c\u00e1c lu\u1eadt l\u1ec7 li\u00ean quan qu\u00e1 nhi\u1ec1u, th\u00ec hi\u1ec7n nay c\u00f3 \u0111\u1ee7 c\u00e1c lu\u1eadt v\u1ec1 doanh nghi\u1ec7p, ch\u1ec9 c\u1ea7n ra th\u00eam c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt h\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng c\u1ee5 th\u1ec3 v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng: Ng\u00e0n h\u00e0ng Qu\u1ed1c doanh l\u00e0 doanh nghi\u1ebbp Nh\u00e0 n\u01b0\u1edbc th\u00ec ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt Doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc<\/em>, Ng\u00e0n h\u00e0ng li\u00ean doanh v\u00e0 Ng\u00e0n h\u00e0ng n\u1eeb\u1ed1c ngo\u00e0i th\u00ec ho\u1ea1t \u0111\u1ed9ng theo \u00a0Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam<\/em>, Ng\u00e0n h\u00e0ng TMCP v\u00e0 c\u00e1c c\u1ecfng ty t\u00e0i ch\u00ednh th\u00ec ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt C\u00f4ng ty<\/em>, HTX t\u00edn d\u1ee5ng v\u00e0 Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n th\u00ec ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt HTX<\/em>. Nh\u01b0 v\u1eady th\u00ec c\u1ea7n g\u00ec ph\u1ea3i c\u00f3 m\u1ed9t Lu\u1eadt ri\u00eang v\u1ec1 c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng?<\/p>\n

N\u0103m 1990, Ng\u00e2n h\u00e0ng l\u00e0 lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p \u0111\u1ea7u ti\u00ean c\u1ee7a Vi\u1ec7t Nam \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1eb1ng Ph\u00e1p l\u1ec7nh, trong khi t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p kh\u00e1c m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1eb1ng c\u00e1c Ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0, ch\u1ec9 th\u1ecb. C\u00f3 th\u1ec3 n\u00f3i, n\u1ebfu nh\u01b0 Ph\u00e1p l\u1ec7nh Ng\u00e2n h\u00e0ng, HTX t\u00edn d\u1ee5ng v\u00e0 C\u00f4ng ty t\u00e0i ch\u00ednh<\/em>, khi m\u1edbi ban h\u00e0nh \u0111\u00e3 mang l\u1ea1i cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u1ed9t \u0111\u1ecba v\u1ecb ph\u00e1p l\u00fd \u0111\u1ed9c l\u1eadp v\u00e0 ho\u00e0n ch\u1ec9nh h\u01a1n so v\u1edbi c\u00e1c lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p kh\u00e1c, th\u00ec Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em> hi\u1ec7n nay l\u1ea1i ch\u01b0a l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3. C\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh quan tr\u1ecdng kh\u00f4ng \u0111\u01b0\u1ee3c lu\u1eadt ho\u00e1 nh\u01b0 n\u00f3 \u0111\u00e3, \u0111ang v\u00e0 s\u1ebd \u0111\u01b0\u1ee3c l\u00e0m \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p kh\u00e1c.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, \u0111\u00e3 c\u00f3 nh\u1eefng v\u0103n b\u1ea3n th\u1ec3 hi\u1ec7n v\u1ecb tr\u00ed \u0111\u1eb7c bi\u1ec7t c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. \u0110i\u1ec1u l\u1ec7 m\u1edbi \u0111\u00e2y c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c doanh \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0 ph\u00ea chu\u1ea9n, \u0111\u1ec1u c \u00f3 m\u1ed9t c\u00e2u cu\u1ed1i ghi nh\u01b0 sau: Trong tr\u01b0\u1eddng h\u1ee3p \u0110i\u1ec1u l\u1ec7 n\u00e0y c\u00f3 quy \u0111\u1ecbnh kh\u00e1c v\u1edbi c\u00e1c v\u0103n b\u1ea3n c\u1ee7a Ch\u1ec9nh ph\u1ee7, c\u1ee7a c\u00e1c B\u1ed9, c\u01a1 quan ngang B\u1ed9, c\u01a1 quan thu\u1ed9c Ch\u00ednh ph\u1ee7, U\u1ef7 ban Nh\u00e2n d\u00e2n t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng, th\u00ec s\u1ebd b\u00e1o c\u00e1o Th\u1ed1ng \u0111\u1ed1c NHNN tr\u00ecnh Ch\u00ednh ph\u1ee7 cho ph\u00e9p th\u1ef1c hi\u1ec7n theo \u0110i\u1ec1u l\u1ec7 n\u00e0y.<\/p>\n

Nh\u01b0ng n\u1ebfu kh\u00f4ng d\u1ef1a tr\u00ean quan \u0111i\u1ec3m x\u00e2y d\u1ef1ng c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt \u0111\u1ed9c l\u1eadp cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 quan \u0111i\u1ec3m n\u00e0y ch\u01b0a \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn trong hai \u0111\u1ea1o Lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng, th\u00ec vi\u1ec7c quy \u0111\u1ecbnh nh\u1eefng \u0111\u1eb7c th\u00f9 trong c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt v\u00e0 v\u0103n b\u1ea3n c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng nh\u01b0 tr\u00ean e r\u1eb1ng tr\u00e1i v\u1edbi nguy\u00ean t\u1eafc ph\u00e1p ch\u1ebf v\u00e0 r\u1ea5t kh\u00f3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

V\u1edbi nh\u1eefng \u0111\u1eb7c th\u00f9 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng kinh doanh ti\u1ec1n t\u1ec7, \u0111i\u1ec1u h\u1ee3p l\u00fd nh\u1ea5t c\u1ea7n ph\u1ea3i ph\u1ea5n \u0111\u1ea5u sau n\u00e0y l\u00e0: Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em> ph\u1ea3i x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00e0nh m\u1ed9t lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p \u0111\u1ed9c l\u1eadp, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p theo c\u00e1c lu\u1eadt doanh nghi\u1ec7p kh\u00e1c, c\u0169ng gi\u1ed1ng nh\u01b0 doanh nghi\u1ec7p c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i, \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 c\u00e1c c\u00f4ng ty TNHH, nh\u01b0ng l\u1ea1i ho\u00e0n to\u00e0n kh\u00f4ng ch\u1ecbu b\u1ea5t k\u1ef3 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh n\u00e0o c\u1ee7a Lu\u1eadt C\u00f4ng ty<\/em>. Trong khi \u0111\u00f3, c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i hi\u1ec7n nay l\u1ea1i b\u1ecb coi \u0111\u01a1n gi\u1ea3n ch\u1ec9 t\u01b0\u01a1ng t\u1ef1 nh\u01b0 l\u00e0 m\u1ed9t doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc, m\u1ed9t c\u00f4ng ty c\u1ed5 ph\u1ea7n hay m\u1ed9t HTX th\u00f4ng th\u01b0\u1eddng kh\u00e1c.<\/p>\n

2- X\u00e2y d\u1ef1ng c\u00e1c ch\u1ebf \u0111\u1ecbnh Ph\u00e1p lu\u1eadt \u0111\u1ed9c l\u1eadp v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay<\/strong><\/h5>\n

D\u00f9 ch\u01b0a x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ea1o lu\u1eadt ho\u00e0n to\u00e0n \u0111\u1ed9c l\u1eadp cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, nh\u01b0ng vi\u1ec7c c\u1ea7n x\u00e2y d\u1ef1ng c\u00e1c ch\u1ebf \u0111\u1ecbnh Ph\u00e1p lu\u1eadt \u0111\u1ed9c l\u1eadp v\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng l\u00e0 \u0111i\u1ec1u r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ec3 gi\u00fap cho qu\u00e1 tr\u00ecnh “X\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 gi\u1ea3i to\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u00f3ng b\u0103ng c\u1ee7a Ng\u00e2n h\u00e0ng”<\/em>, nh\u1eb1m n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft, D\u1ef1 th\u1ea3o Quy ch\u1ebf b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em> \u0111\u00e3 \u0111\u01b0\u1ee3c tr\u00ecnh l\u00ean Ch\u00ednh ph\u1ee7. N\u1ed9i dung c\u1ee7a D\u1ef1 th\u1ea3o Quy ch\u1ebf n\u00e0y \u0111\u00e3 ph\u1ea7n n\u00e0o th\u1ec3 hi\u1ec7n quan \u0111i\u1ec3m coi vi\u1ec7c coi vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c \u0111\u1eb7c th\u00f9, \u0111\u1ed9c l\u1eadp t\u01b0\u01a1ng \u0111\u1ed1i so v\u1edbi c\u00e1c quan h\u1ec7 vay m\u01b0\u1ee3n kh\u00e1c. N\u1ebfu \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 th\u00f4ng qua c\u00e1c n\u1ed9i dung nh\u01b0 D\u1ef1 th\u1ea3o th\u00ec s\u1ebd gi\u1ea3i to\u1ea3 \u0111\u01b0\u1ee3c hai v\u01b0\u1edbng m\u1eafc l\u1edbn:<\/p>\n

– Vi\u1ec7c c\u00f3 c\u00f4ng ch\u1ee9ng v\u0103n b\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh hay kh\u00f4ng l\u00e0 do c\u00e1c b\u00ean t\u1ef1 tho\u1ea3 thu\u1eadn v\u00e0;<\/p>\n

– C\u00e1c Ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng ph\u00e1t m\u1ea1i c\u00e1c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay.<\/p>\n

\u0110i\u1ec1u \u0111\u00f3 l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft v\u00e0 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a quan quan h\u1ec7 t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, n\u1ebfu nh\u1eefng quy \u0111\u1ecbnh \u0111\u00f3 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n ngay trong Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em> th\u00ec s\u1ebd b\u1ea3o \u0111\u1ea3m tuy\u1ec7t \u0111\u1ed1i v\u1ec1 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd. C\u00f2n, n\u1ebfu ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, th\u00ec s\u1ebd kh\u00f4ng tr\u00e1nh kh\u1ecfi m\u1ed9t lo\u1ea1t v\u01b0\u1edbng m\u1eafc, nh\u01b0:<\/p>\n

– Li\u1ec7u c\u00e1c c\u01a1 quan Ph\u00e1p lu\u1eadt c\u00f3 ch\u1ea5p nh\u1eadn m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh trong Ngh\u1ecb \u0111\u1ecbnh kh\u00e1c v\u1edbi c\u00e1c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1?<\/p>\n

– M\u1ed9t ph\u1ea7n Ngh\u1ecb \u0111\u1ecbnh li\u1ec7u c\u00f3 b\u1ecb v\u00f4 hi\u1ec7u ho\u00e1 v\u00ec \u0110i\u1ec1u 29 B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i <\/em>n\u0103m 1990 quy \u0111\u1ecbnh vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0u bi\u1ec3n ph\u1ea3i \u0111\u01b0\u1ee3c C\u01a1 quan c\u00f4ng ch\u1ee9ng ch\u1ee9ng th\u1ef1c?<\/p>\n

– Quy \u0111\u1ecbnh c\u00e1c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n vay s\u1ebd \u0111\u01b0\u1ee3c x\u1eed l\u00fd theo quy \u0111\u1ecbnh v\u1ec1 t\u00e0i s\u1ea3n c\u1ee7a ch\u1ee7 n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m khi b\u1ecb ph\u00e1 s\u1ea3n li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan Ph\u00e1p lu\u1eadt v\u00e0 c\u00e1c ch\u1ee7 n\u1ee3 kh\u00e1c ch\u1ea5p nh\u1eadn khi n\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong Lu\u1eadt Ph\u00e1 s\u1ea3n doanh nghi\u1ec7p <\/em>c\u0169ng nh\u01b0 trong c\u00e1c quy \u0111\u1ecbnh chung v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m?<\/p>\n

– Khi ch\u1ec9 c\u00f3 m\u1ed9t m\u00ecnh Ng\u00e2n h\u00e0ng ch\u1ee7 \u0111\u1ed9ng b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, kh\u00f4ng c\u00f3 s\u1ef1 tham gia c\u1ee7a kh\u00e1ch h\u00e0ng, kh\u00f4ng th\u00f4ng qua c\u00e1c Trung t\u00e2m b\u00e1n \u0111\u1ea5u gi\u00e1 th\u00ec li\u1ec7u c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc c\u00f3 ch\u1ea5p nh\u1eadn vi\u1ec7c ho\u00e0n t\u1ea5t c\u00e1c th\u1ee7 t\u1ee5c chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n?<\/p>\n

– R\u1ed3i sau n\u00e0y, s\u1ebd c\u00f3 r\u1ea5t nhi\u1ec1u \u0111\u1ea1o lu\u1eadt, ph\u00e1p l\u1ec7nh ho\u1eb7c ngh\u1ecb \u0111\u1ecbnh m\u1edbi l\u1ea1i c\u00f3 quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu, v\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh ph\u1ea3i qua c\u00f4ng ch\u1ee9ng (Lu\u1eadt H\u00e0ng kh\u00f4ng d\u00e2n d\u1ee5ng<\/em>, Lu\u1eadt \u0110\u1ea5t \u0111ai<\/em>, Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf<\/em>,…) th\u00ec Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay li\u1ec7u c\u00f2n gi\u00e1 tr\u1ecb \u0111\u1ebfn \u0111\u00e2u?<\/p>\n

Ngo\u00e0i c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng n\u00f3i tr\u00ean, c\u0169ng n\u00ean m\u1edf r\u1ed9ng m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m kh\u00e1c \u00e1p d\u1ee5ng trong l\u0129nh v\u1ef1c Ng\u00e2n h\u00e0ng. Ch\u1eb3ng h\u1ea1n, theo tinh th\u1ea7n \u0110i\u1ec1u 365 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1<\/em> th\u00ec vi\u1ec7c b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n b\u1eb1ng bi\u1ec7n ph\u00e1p k\u00fd qu\u1ef9<\/em>, t\u1ee9c l\u00e0 ng\u00e2n h\u00e0ng cho vay ho\u1eb7c ng\u00e2n h\u00e0ng th\u1ee9 ba phong to\u00e0 m\u1ed9t kho\u1ea3n ti\u1ec1n, kim kh\u00ed qu\u00fd, \u0111\u00e1 qu\u00fd ho\u1eb7c gi\u1ea5y t\u1edd tr\u1ecb gi\u00e1 \u0111\u01b0\u1ee3c b\u1eb1ng ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi vay. Nh\u01b0 v\u1eady Ng\u00e2n h\u00e0ng v\u1eeba c\u00f3 th\u1ec3 cho vay tr\u00ean 80% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u1ea1i v\u1eeba an to\u00e0n v\u00e0 thu\u1eadn ti\u1ec7n cho c\u1ea3 hai b\u00ean so v\u1edbi quy \u0111\u1ecbnh v\u1ec1 c\u1ea7m c\u1ed1 hi\u1ec7n nay.<\/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\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 12-1998<\/em><\/strong>","protected":false},"excerpt":{"rendered":"

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