{"id":49117,"date":"2025-11-10T15:46:38","date_gmt":"2025-11-10T08:46:38","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=49117"},"modified":"2025-11-18T17:08:57","modified_gmt":"2025-11-18T10:08:57","slug":"4-190-sua-luat-cac-to-chuc-tin-dung-thao-go-diem-nghen-the-chem-ky-vong-tao-suc-bat-cho-thi-truong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-190-sua-luat-cac-to-chuc-tin-dung-thao-go-diem-nghen-the-chem-ky-vong-tao-suc-bat-cho-thi-truong\/","title":{"rendered":"4.190. S\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng &#8211; Th\u00e1o g\u1ee1 \u0111i\u1ec3m ngh\u1ebdn th\u1ec3 ch\u1ebf k\u1ef3 v\u1ecdng t\u1ea1o s\u1ee9c b\u1eadt cho th\u1ecb tr\u01b0\u1eddng."},"content":{"rendered":"<h4><span style=\"color: #723918;\"><strong>S\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng &#8211; Th\u00e1o g\u1ee1 \u0111i\u1ec3m ngh\u1ebdn th\u1ec3 ch\u1ebf k\u1ef3 v\u1ecdng t\u1ea1o s\u1ee9c b\u1eadt cho th\u1ecb tr\u01b0\u1eddng.<\/strong><\/span><\/h4>\n<h5>(CL) &#8211; Ph\u00e1t bi\u1ec3u t\u1ea1i bu\u1ed5i g\u1eb7p m\u1eb7t \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i ng\u00e0y 27\/8\/2025, T\u1ed5ng B\u00ed th\u01b0 T\u00f4 L\u00e2m nh\u1ea5n m\u1ea1nh: \u201cQu\u1ed1c h\u1ed9i ph\u1ea3i \u0111i tr\u01b0\u1edbc m\u1ed9t b\u01b0\u1edbc v\u1ec1 th\u1ec3 ch\u1ebf, d\u00e1m m\u1edf \u0111\u01b0\u1eddng, d\u00e1m s\u1eeda \u0111\u01b0\u1eddng, d\u00e1m quy\u1ebft \u0111\u1ecbnh nh\u1eefng vi\u1ec7c ch\u01b0a t\u1eebng c\u00f3 ti\u1ec1n l\u1ec7\u201d.<\/h5>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-49118 size-medium alignright\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/11\/Picture1-6-450x507.jpg\" alt=\"S\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng - Th\u00e1o g\u1ee1 \u0111i\u1ec3m ngh\u1ebdn th\u1ec3 ch\u00e9m k\u1ef3 v\u1ecdng t\u1ea1o s\u1ee9c b\u1eadt cho th\u1ecb tr\u01b0\u1eddng\" width=\"450\" height=\"507\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/11\/Picture1-6-450x507.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/11\/Picture1-6.jpg 530w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>Tr\u00ean tinh th\u1ea7n \u0111\u00f3, Qu\u1ed1c h\u1ed9i \u0111\u00e3 th\u00f4ng qua Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (Lu\u1eadt s\u1ed1 96\/2025\/QH15). \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 \u201cc\u00fa h\u00edch\u201d th\u1ec3 ch\u1ebf k\u1ecbp th\u1eddi, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 gi\u1ea3i quy\u1ebft n\u1ee3 x\u1ea5u; \u0111\u1ed3ng th\u1eddi thi\u1ebft l\u1eadp h\u00e0nh lang ph\u00e1p l\u00fd gi\u00fap c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam.<\/p>\n<h5><strong>H\u00c0NH LANG PH\u00c1P L\u00dd R\u00d5 R\u00c0NG &#8211; TH\u00c1O G\u1ee0 \u0110I\u1ec2M NGH\u1ebcN TH\u1ec2 CH\u1ebe<\/strong><\/h5>\n<p>Trong bu\u1ed5i Th\u1ea3o lu\u1eadn ng\u00e0y 17\/5\/2025 v\u1edbi \u0110o\u00e0n \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i TP. H\u00e0 N\u1ed9i v\u1ec1 \u0111i\u1ec3m ngh\u1ebdn th\u1ec3 ch\u1ebf c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc, T\u1ed5ng b\u00ed th\u01b0 T\u00f4 L\u00e2m kh\u1eb3ng \u0111\u1ecbnh: \u201cCh\u00fang ta \u0111\u1ec1u nh\u1eadn th\u1ea5y r\u1eb1ng, th\u1ec3 ch\u1ebf ch\u00ednh l\u00e0 \u0111i\u1ec3m ngh\u1ebdn k\u00ecm h\u00e3m s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc; th\u1ec3 ch\u1ebf ph\u00e1p lu\u1eadt c\u0169ng l\u00e0 \u0111\u1ed9ng l\u1ef1c, n\u1ec1n t\u1ea3ng cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc, v\u00ec th\u1ebf m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u ph\u1ea3i s\u1ed1ng theo Hi\u1ebfn ph\u00e1p v\u00e0 ph\u00e1p lu\u1eadt. \u0110\u00f3 l\u00e0 l\u00fd do v\u00ec sao c\u00e1c k\u1ef3 h\u1ecdp Qu\u1ed1c h\u1ed9i th\u1eddi gian g\u1ea7n \u0111\u00e2y d\u00e0nh nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 s\u1eeda \u0111\u1ed5i c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d.<\/p>\n<p>Tr\u00ean tinh th\u1ea7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u \u0110\u1ea3ng, ng\u00e0y 27\/06\/2025, Lu\u1eadt s\u1ed1 96\/QH15\/2025 ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua t\u1ea1i k\u1ef3 h\u1ecdp th\u1ee9 9 kh\u00f3a XV, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 15\/10\/2025, \u0111\u1ea1o lu\u1eadt n\u00e0y l\u00e0 b\u01b0\u1edbc ti\u1ebfp n\u1ed1i sau Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung kho\u1ea3n 1 \u0110i\u1ec1u 193 v\u00e0 b\u1ed5 sung c\u00e1c \u0111i\u1ec1u 198a, 198b, 198c v\u00e0o sau \u0110i\u1ec1u 198 c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Lu\u1eadt ban h\u00e0nh nh\u1eb1m th\u1ec3 ch\u1ebf h\u00f3a c\u00e1c quan \u0111i\u1ec3m, ch\u1ee7 tr\u01b0\u01a1ng, \u0111\u01b0\u1eddng l\u1ed1i c\u1ee7a \u0110\u1ea3ng, ph\u00e1p lu\u1eadt c\u1ee7a Nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi c\u00f4ng t\u00e1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u; c\u1ee5 th\u1ec3 h\u00f3a c\u00e1c ch\u1ee7 tr\u01b0\u01a1ng l\u1edbn c\u1ee7a \u0110\u1ea3ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 4 ngh\u1ecb quy\u1ebft trong \u201cB\u1ed9 t\u1ee9 c\u1ea5t c\u00e1nh\u201d: Ngh\u1ecb quy\u1ebft s\u1ed1 66-NQ\/TW; Ngh\u1ecb quy\u1ebft s\u1ed1 68-NQ\/TW x\u00e1c \u0111\u1ecbnh ph\u00e1t tri\u1ec3n kinh t\u1ebf t\u01b0 nh\u00e2n tr\u1edf th\u00e0nh \u201cm\u1ed9t \u0111\u1ed9ng l\u1ef1c quan tr\u1ecdng nh\u1ea5t\u201d c\u1ee7a n\u1ec1n kinh t\u1ebf qu\u1ed1c gia, t\u1ea1o th\u00e0nh th\u1ebf \u201cki\u1ec1ng ba ch\u00e2n\u201d v\u1eefng ch\u1eafc cho n\u1ec1n kinh t\u1ebf \u0111\u1ed9c l\u1eadp, t\u1ef1 ch\u1ee7 v\u00e0 h\u1ed9i nh\u1eadp th\u00e0nh c\u00f4ng; Ngh\u1ecb quy\u1ebft s\u1ed1 57-NQ\/TW v\u00e0 Ngh\u1ecb quy\u1ebft 59-NQ\/TW. C\u00f9ng v\u1edbi \u0111\u00f3, ba n\u1ed9i dung ch\u00ednh s\u00e1ch then ch\u1ed1t c\u1ee7a Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c lu\u1eadt h\u00f3a, t\u1ea1o khung ph\u00e1p l\u00fd \u0111\u1ed3ng b\u1ed9, ch\u1ea5m d\u1ee9t t\u00ecnh tr\u1ea1ng ch\u1ec9 \u00e1p d\u1ee5ng th\u00ed \u0111i\u1ec3m.<\/p>\n<p>&#8220;Lu\u1eadt s\u1eeda \u0111\u1ed5i b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng v\u00e0 ban h\u00e0nh tr\u00ean c\u01a1 s\u1edf qu\u00e1n tri\u1ec7t \u0111\u1ea7y \u0111\u1ee7 quan \u0111i\u1ec3m, ch\u1ee7 tr\u01b0\u01a1ng, \u0111\u01b0\u1eddng l\u1ed1i c\u1ee7a \u0110\u1ea3ng, b\u1ea3o \u0111\u1ea3m t\u00ednh h\u1ee3p hi\u1ebfn, h\u1ee3p ph\u00e1p, \u0111\u1ed3ng b\u1ed9 v\u00e0 th\u1ed1ng nh\u1ea5t v\u1edbi h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. \u0110\u1ed3ng th\u1eddi, lu\u1eadt c\u0169ng ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf v\u00e0 c\u00e1c cam k\u1ebft qu\u1ed1c t\u1ebf m\u00e0 Vi\u1ec7t Nam l\u00e0 th\u00e0nh vi\u00ean, \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u h\u1ed9i nh\u1eadp v\u00e0 b\u1eaft k\u1ecbp xu th\u1ebf ph\u00e1t tri\u1ec3n\u201d.<\/p>\n<h6>&#8211; Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Ph\u1ea1m Quang D\u0169ng &#8211;<\/h6>\n<p>Ph\u00e1t bi\u1ec3u t\u1ea1i bu\u1ed5i h\u1ecdp b\u00e1o c\u00f4ng b\u1ed1 L\u1ec7nh c\u1ee7a Ch\u1ee7 t\u1ecbch n\u01b0\u1edbc v\u1ec1 vi\u1ec7c ban h\u00e0nh 9 lu\u1eadt v\u1eeba \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i kh\u00f3a XV th\u00f4ng qua t\u1ea1i K\u1ef3 h\u1ecdp th\u1ee9 9, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Ph\u1ea1m Quang D\u0169ng cho bi\u1ebft: \u201cLu\u1eadt s\u1eeda \u0111\u1ed5i b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng v\u00e0 ban h\u00e0nh tr\u00ean c\u01a1 s\u1edf qu\u00e1n tri\u1ec7t \u0111\u1ea7y \u0111\u1ee7 quan \u0111i\u1ec3m, ch\u1ee7 tr\u01b0\u01a1ng, \u0111\u01b0\u1eddng l\u1ed1i c\u1ee7a \u0110\u1ea3ng, b\u1ea3o \u0111\u1ea3m t\u00ednh h\u1ee3p hi\u1ebfn, h\u1ee3p ph\u00e1p, \u0111\u1ed3ng b\u1ed9 v\u00e0 th\u1ed1ng nh\u1ea5t v\u1edbi h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. \u0110\u1ed3ng th\u1eddi, lu\u1eadt c\u0169ng ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf v\u00e0 c\u00e1c cam k\u1ebft qu\u1ed1c t\u1ebf m\u00e0 Vi\u1ec7t Nam l\u00e0 th\u00e0nh vi\u00ean, \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u h\u1ed9i nh\u1eadp v\u00e0 b\u1eaft k\u1ecbp xu th\u1ebf ph\u00e1t tri\u1ec3n\u201d. Vi\u1ec7c ban h\u00e0nh lu\u1eadt kh\u00f4ng ch\u1ec9 t\u1ea1o d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd minh b\u1ea1ch, ch\u1eb7t ch\u1ebd cho ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n c\u1ee7ng c\u1ed1 an to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng, qua \u0111\u00f3 mang l\u1ea1i nh\u1eefng t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c cho s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i.<\/p>\n<p>C\u1ee5 th\u1ec3, t\u1ea1i Lu\u1eadt s\u1ed1 96\/2025\/QH15, Qu\u1ed1c h\u1ed9i \u0111\u00e3 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u 193 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 v\u1ec1 th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh cho vay, l\u00e3i su\u1ea5t v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t nh\u01b0 sau: \u201cNg\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh cho vay \u0111\u1eb7c bi\u1ec7t c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u 192 c\u1ee7a Lu\u1eadt n\u00e0y. T\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo quy \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. L\u00e3i su\u1ea5t cho vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u00e0 0%\/n\u0103m\u201d.<\/p>\n<p>Ph\u00e2n t\u00edch v\u1ec1 n\u1ed9i dung s\u1eeda \u0111\u1ed5i n\u00e0y, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Ph\u1ea1m Quang D\u0169ng nh\u1ea5n m\u1ea1nh: \u201cVi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh vi\u1ec7c cho vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a NHNN \u0111\u1ed1i v\u1edbi kho\u1ea3n vay c\u00f3 l\u00e3i su\u1ea5t 0%\/n\u0103m, kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1eeb Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 th\u00e0nh NHNN nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u th\u1ef1c ti\u1ec5n, gi\u00fap gi\u1ea3m b\u1edbt kh\u00e2u trung gian trong qu\u00e1 tr\u00ecnh tri\u1ec3n khai th\u1ef1c hi\u1ec7n vi\u1ec7c quy\u1ebft \u0111\u1ecbnh cho vay \u0111\u1eb7c bi\u1ec7t\u201d.<\/p>\n<p>\u0110\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i Tr\u1ea7n Th\u1ecb Thu \u0110\u00f4ng (\u0110o\u00e0n \u0111\u1ea1i bi\u1ec3u t\u1ec9nh B\u1ea1c Li\u00eau) \u0111\u00e1nh gi\u00e1, quy \u0111\u1ecbnh v\u1ec1 th\u1ea9m quy\u1ec1n cho vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a NHNN t\u1ea1i \u0110i\u1ec1u 193 l\u00e0 \u0111i\u1ec3m ti\u1ebfn b\u1ed9 c\u1ee7a D\u1ef1 th\u1ea3o Lu\u1eadt. Quy \u0111\u1ecbnh n\u00e0y gi\u00fap NHNN c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh k\u1ecbp th\u1eddi trong nh\u1eefng t\u00ecnh hu\u1ed1ng r\u1ee7i ro h\u1ec7 th\u1ed1ng ho\u1eb7c kh\u1ee7ng ho\u1ea3ng thanh kho\u1ea3n, qua \u0111\u00f3 h\u1ed7 tr\u1ee3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng g\u1eb7p kh\u00f3 kh\u0103n, gi\u1ea3m g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh khi \u0111\u01b0\u1ee3c vay v\u1edbi l\u00e3i su\u1ea5t 0%, nh\u1ea5t l\u00e0 trong b\u1ed1i c\u1ea3nh kinh t\u1ebf c\u00f3 nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng.<\/p>\n<p>\u0110\u00e2y \u0111\u01b0\u1ee3c xem b\u01b0\u1edbc ti\u1ebfn trong t\u01b0 duy qu\u1ea3n tr\u1ecb r\u1ee7i ro v\u00e0 t\u0103ng c\u01b0\u1eddng t\u00ednh ch\u1ee7 \u0111\u1ed9ng c\u1ee7a NHNN trong \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7. Vi\u1ec7c r\u00fat ng\u1eafn quy tr\u00ecnh ph\u00ea duy\u1ec7t gi\u00fap c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 th\u1ec3 ph\u1ea3n \u1ee9ng nhanh h\u01a1n tr\u01b0\u1edbc nh\u1eefng bi\u1ebfn \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng, \u0111\u1eb7c bi\u1ec7t trong c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p c\u1ea7n h\u1ed7 tr\u1ee3 thanh kho\u1ea3n cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng g\u1eb7p kh\u00f3 kh\u0103n t\u1ea1m th\u1eddi. C\u01a1 ch\u1ebf n\u00e0y g\u00f3p ph\u1ea7n c\u1ee7ng c\u1ed1 ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p v\u00e0o s\u1ef1 an to\u00e0n, \u1ed5n \u0111\u1ecbnh c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi kh\u1eb3ng \u0111\u1ecbnh vai tr\u00f2 \u201cng\u01b0\u1eddi cho vay cu\u1ed1i c\u00f9ng\u201d c\u1ee7a NHNN, m\u1ed9t tr\u1ee5 c\u1ed9t quan tr\u1ecdng b\u1ea3o \u0111\u1ea3m \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh qu\u1ed1c gia.<\/p>\n<h5><strong>&#8220;Ph\u01b0\u01a1ng \u00e1n n\u00e0y ch\u1ec9 \u00e1p d\u1ee5ng sau khi \u0111\u00e3 s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 nghi\u1ec7p v\u1ee5 kh\u00e1c nh\u01b0 t\u00e1i c\u1ea5p v\u1ed1n, nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf\u2026 v\u00e0 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ng\u0103n ch\u1eb7n r\u1ee7i ro lan truy\u1ec1n trong h\u1ec7 th\u1ed1ng\u201d.<\/strong><\/h5>\n<h5><strong>&#8211; Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nguy\u1ec5n Th\u1ecb H\u1ed3ng &#8211;<\/strong><\/h5>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Th\u1ecb H\u1ed3ng c\u0169ng nh\u1ea5n m\u1ea1nh th\u00eam v\u1ec1 hai tr\u01b0\u1eddng h\u1ee3p duy nh\u1ea5t \u0111\u01b0\u1ee3c vay \u0111\u1eb7c bi\u1ec7t \u0111\u00f3 l\u00e0: c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng b\u1ecb r\u00fat ti\u1ec1n h\u00e0ng lo\u1ea1t, c\u1ea7n b\u1ed5 sung thanh kho\u1ea3n chi tr\u1ea3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i ho\u1eb7c chuy\u1ec3n giao b\u1eaft bu\u1ed9c, thu\u1ed9c di\u1ec7n b\u1ecb ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t. Th\u1ed1ng \u0111\u1ed1c kh\u1eb3ng \u0111\u1ecbnh:\u201cPh\u01b0\u01a1ng \u00e1n n\u00e0y ch\u1ec9 \u00e1p d\u1ee5ng sau khi \u0111\u00e3 s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 nghi\u1ec7p v\u1ee5 kh\u00e1c nh\u01b0 t\u00e1i c\u1ea5p v\u1ed1n, nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf\u2026 v\u00e0 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ng\u0103n ch\u1eb7n r\u1ee7i ro lan truy\u1ec1n trong h\u1ec7 th\u1ed1ng\u201d.<\/p>\n<p>Nh\u1ea5n m\u1ea1nh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n Th\u1ecb H\u1ed3ng cho th\u1ea5y t\u01b0 duy \u0111i\u1ec1u h\u00e0nh ti\u1ec1n t\u1ec7 hi\u1ec7n nay \u0111\u00e3 chuy\u1ec3n t\u1eeb \u201c\u1ee9ng ph\u00f3 t\u00ecnh hu\u1ed1ng\u201d sang \u201cqu\u1ea3n tr\u1ecb r\u1ee7i ro c\u00f3 k\u1ecbch b\u1ea3n\u201d. Hai tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c vay \u0111\u1eb7c bi\u1ec7t \u2013 ch\u1ec9 gi\u1edbi h\u1ea1n cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng b\u1ecb r\u00fat ti\u1ec1n h\u00e0ng lo\u1ea1t ho\u1eb7c \u0111ang trong qu\u00e1 tr\u00ecnh ph\u1ee5c h\u1ed3i, chuy\u1ec3n giao b\u1eaft bu\u1ed9c \u2013 th\u1ec3 hi\u1ec7n r\u00f5 nguy\u00ean t\u1eafc \u201cc\u1ee9u h\u1ec7 th\u1ed1ng, kh\u00f4ng c\u1ee9u ri\u00eang ai\u201d. \u0110\u00e2y l\u00e0 ranh gi\u1edbi quan tr\u1ecdng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m t\u00ednh k\u1ef7 lu\u1eadt th\u1ecb tr\u01b0\u1eddng, tr\u00e1nh t\u00ecnh tr\u1ea1ng \u201cmoral hazard\u201d (r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c) khi c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m tr\u00f4ng ch\u1edd v\u00e0o s\u1ef1 can thi\u1ec7p c\u1ee7a Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>\u0110\u1ed3ng th\u1eddi, vi\u1ec7c Th\u1ed1ng \u0111\u1ed1c kh\u1eb3ng \u0111\u1ecbnh ch\u1ec9 \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf vay \u0111\u1eb7c bi\u1ec7t sau khi \u0111\u00e3 s\u1eed d\u1ee5ng h\u1ebft c\u00e1c c\u00f4ng c\u1ee5 nghi\u1ec7p v\u1ee5 th\u00f4ng th\u01b0\u1eddng nh\u01b0 t\u00e1i c\u1ea5p v\u1ed1n, nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf\u2026 cho th\u1ea5y \u0111\u1ecbnh h\u01b0\u1edbng c\u1ee7a NHNN l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a can thi\u1ec7p h\u00e0nh ch\u00ednh, \u01b0u ti\u00ean v\u1eadn h\u00e0nh th\u1ecb tr\u01b0\u1eddng m\u1ed9t c\u00e1ch linh ho\u1ea1t, t\u1ef1 \u0111i\u1ec1u ti\u1ebft. Ch\u1ec9 khi nguy c\u01a1 m\u1ea5t thanh kho\u1ea3n c\u00f3 th\u1ec3 k\u00e9o theo hi\u1ec7u \u1ee9ng d\u00e2y chuy\u1ec1n, g\u00e2y b\u1ea5t \u1ed5n cho to\u00e0n h\u1ec7 th\u1ed1ng, th\u00ec \u201cvan an to\u00e0n cu\u1ed1i c\u00f9ng\u201d n\u00e0y m\u1edbi \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t.<\/p>\n<p>C\u00e1ch ti\u1ebfp c\u1eadn \u0111\u00f3 ph\u1ea3n \u00e1nh r\u00f5 tinh th\u1ea7n c\u1ee7a Lu\u1eadt 96\/QH15\/2025 \u2013 coi an to\u00e0n h\u1ec7 th\u1ed1ng l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u, song song v\u1edbi vi\u1ec7c c\u1ee7ng c\u1ed1 n\u0103ng l\u1ef1c t\u1ef1 ch\u1ee7 c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc ti\u1ebfn quan tr\u1ecdng gi\u00fap Vi\u1ec7t Nam ti\u1ec7m c\u1eadn th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, n\u01a1i m\u00e0 c\u01a1 ch\u1ebf h\u1ed7 tr\u1ee3 \u0111\u1eb7c bi\u1ec7t lu\u00f4n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf nh\u01b0 \u201ch\u00e0ng r\u00e0o an to\u00e0n\u201d, ch\u1ee9 kh\u00f4ng ph\u1ea3i \u201ct\u1ea5m khi\u00ean che ch\u1eafn\u201d cho nh\u1eefng y\u1ebfu k\u00e9m n\u1ed9i t\u1ea1i.<\/p>\n<p>M\u1ed9t trong nh\u1eefng \u0111i\u1ec3m m\u1edbi n\u1ed5i b\u1eadt c\u1ee7a Lu\u1eadt s\u1ed1 96\/2025\/QH15 l\u00e0 b\u1ed5 sung \u0110i\u1ec1u 198a quy \u0111\u1ecbnh chi ti\u1ebft v\u1ec1 quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. C\u1ee5 th\u1ec3, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, t\u1ed5 ch\u1ee9c mua b\u00e1n, x\u1eed l\u00fd n\u1ee3 \u0111\u01b0\u1ee3c quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m khi c\u00f3 th\u1ecfa thu\u1eadn h\u1ee3p \u0111\u1ed3ng, t\u00e0i s\u1ea3n kh\u00f4ng thu\u1ed9c di\u1ec7n tranh ch\u1ea5p, k\u00ea bi\u00ean hay b\u1ecb \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p kh\u1ea9n c\u1ea5p, \u0111\u1ed3ng th\u1eddi \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00f4ng khai th\u00f4ng tin theo \u0111\u00fang tr\u00ecnh t\u1ef1. Tr\u00ecnh t\u1ef1 n\u00e0y \u0111\u01b0\u1ee3c lu\u1eadt h\u00f3a ch\u1eb7t ch\u1ebd t\u1eeb th\u1eddi h\u1ea1n th\u00f4ng b\u00e1o, h\u00ecnh th\u1ee9c c\u00f4ng khai, s\u1ef1 ch\u1ee9ng ki\u1ebfn c\u1ee7a ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u1ebfn c\u1ea3 c\u01a1 ch\u1ebf \u1ee7y quy\u1ec1n thu gi\u1eef.<\/p>\n<p>Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN Ph\u1ea1m Quang D\u0169ng nh\u1ea5n m\u1ea1nh: \u201cQuy \u0111\u1ecbnh n\u00e0y nh\u1eb1m b\u1ea3o \u0111\u1ea3m vi\u1ec7c thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean c\u01a1 s\u1edf t\u00f4n tr\u1ecdng quy\u1ec1n t\u1ef1 do, t\u1ef1 nguy\u1ec7n cam k\u1ebft, th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean, ph\u00f9 h\u1ee3p quy \u0111\u1ecbnh c\u1ee7a Hi\u1ebfn ph\u00e1p v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015\u201d.<\/p>\n<h5><strong>\u201c\u0110\u00e2y l\u00e0 n\u1ed9i dung r\u1ea5t thi\u1ebft th\u1ef1c\u201d.<\/strong><\/h5>\n<h5><strong>&#8211; TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng &#8211;<br \/>\nPh\u00f3 Ch\u1ee7 t\u1ecbch ki\u00eam T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam &#8211;<\/strong><\/h5>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, Lu\u1eadt s\u1ed1 96\/2025\/QH15 c\u00f2n lu\u1eadt h\u00f3a quy \u0111\u1ecbnh v\u1ec1 k\u00ea bi\u00ean t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a b\u00ean ph\u1ea3i thi h\u00e0nh \u00e1n, theo \u0111\u00f3, ch\u1ec9 cho ph\u00e9p k\u00ea bi\u00ean trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p: h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ph\u00e1t sinh sau th\u1eddi \u0111i\u1ec3m b\u1ea3n \u00e1n c\u00f3 hi\u1ec7u l\u1ef1c, t\u00e0i s\u1ea3n li\u00ean quan \u0111\u1ebfn ngh\u0129a v\u1ee5 c\u1ea5p d\u01b0\u1ee1ng hay b\u1ed3i th\u01b0\u1eddng t\u00ednh m\u1ea1ng, s\u1ee9c kh\u1ecfe, ho\u1eb7c c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n c\u1ee7a b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m. Quy \u0111\u1ecbnh n\u00e0y cho ph\u00e9p c\u00e2n b\u1eb1ng gi\u1eefa quy\u1ec1n ch\u1ee7 th\u1ec3 cho vay v\u1ed1n v\u00e0 l\u1ee3i \u00edch c\u00f4ng; gi\u1ea3m thi\u1ec3u tranh ch\u1ea5p ph\u00e1t sinh do xung \u0111\u1ed9t gi\u1eefa h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u01a1 quan thi h\u00e0nh \u00e1n.<\/p>\n<p>TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng &#8211; Ph\u00f3 Ch\u1ee7 t\u1ecbch ki\u00eam T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam nh\u1ea5n m\u1ea1nh: \u201c\u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 h\u1ebft s\u1ee9c quan tr\u1ecdng b\u1edfi v\u00ec c\u00f3 nhi\u1ec1u t\u00e0i s\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p cho ng\u00e2n h\u00e0ng nh\u01b0ng l\u1ea1i b\u1ecb k\u00ea bi\u00ean trong v\u1ee5 \u00e1n kh\u00e1c, l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng. N\u1ed9i dung n\u00e0y khi \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o lu\u1eadt nh\u1eefng t\u00e0i s\u1ea3n \u0111\u00e3 th\u1ebf ch\u1ea5p \u1edf ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c ph\u00e1t m\u1ea1i \u0111\u1ec3 ng\u00e2n h\u00e0ng thu h\u1ed3i n\u1ee3, t\u1ea5t nhi\u00ean v\u1eabn c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf tr\u1eeb ra m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ngh\u0129a v\u1ee5 thi h\u00e0nh \u00e1n kh\u00e1c nh\u01b0ng kh\u00f4ng \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u00e2y l\u00e0 n\u1ed9i dung r\u1ea5t thi\u1ebft th\u1ef1c\u201d.<\/p>\n<h5><strong>\u201cNhi\u1ec1u v\u1ee5 \u00e1n khi x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ecb k\u00ea bi\u00ean, \u0111\u1ebfn khi k\u1ebft th\u00fac th\u00ec gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ecb gi\u1ea3m th\u1ea5p ho\u1eb7c b\u1eb1ng kh\u00f4ng, v\u00ed d\u1ee5 h\u00e0ng h\u00f3a trong kho. V\u00ec v\u1eady, vi\u1ec7c ho\u00e0n tr\u1ea3 v\u1eadt ch\u1ee9ng kh\u00f4ng li\u00ean quan \u0111\u1ebfn v\u1ee5 \u00e1n cho ng\u00e2n h\u00e0ng \u0111\u1ec3 ph\u00e1t m\u1ea1i x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 h\u1ebft s\u1ee9c quan tr\u1ecdng, g\u00f3p ph\u1ea7n \u0111\u1ea9y m\u1ea1nh t\u1ed1c \u0111\u1ed9 thu h\u1ed3i n\u1ee3 x\u1ea5u v\u00e0 h\u1ed7 tr\u1ee3 c\u00e1c ng\u00e2n h\u00e0ng\u201d.<\/strong><\/h5>\n<h5><strong>&#8211; TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng &#8211;<br \/>\nPh\u00f3 Ch\u1ee7 t\u1ecbch ki\u00eam T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam &#8211;<\/strong><\/h5>\n<p>Quy \u0111\u1ecbnh v\u1ec1 ho\u00e0n tr\u1ea3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 v\u1eadt ch\u1ee9ng trong v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 c\u0169ng \u0111\u01b0\u1ee3c b\u1ed5 sung t\u1ea1i \u0111i\u1ec1u 198c, m\u1edf ra c\u01a1 ch\u1ebf ho\u00e0n tr\u1ea3 v\u1eadt ch\u1ee9ng l\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m trong v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 n\u1ebfu vi\u1ec7c n\u00e0y kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn qu\u00e1 tr\u00ecnh gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n v\u00e0 c\u00f3 s\u1ef1 th\u1ecfa thu\u1eadn h\u1ee3p ph\u00e1p trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m.<\/p>\n<p>B\u00e0n v\u1ec1 v\u1ea5n \u0111\u1ec1 ho\u00e0n tr\u1ea3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng cho r\u1eb1ng: \u201cNhi\u1ec1u v\u1ee5 \u00e1n khi x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ecb k\u00ea bi\u00ean, \u0111\u1ebfn khi k\u1ebft th\u00fac th\u00ec gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ecb gi\u1ea3m th\u1ea5p ho\u1eb7c b\u1eb1ng kh\u00f4ng, v\u00ed d\u1ee5 h\u00e0ng h\u00f3a trong kho. V\u00ec v\u1eady, vi\u1ec7c ho\u00e0n tr\u1ea3 v\u1eadt ch\u1ee9ng kh\u00f4ng li\u00ean quan \u0111\u1ebfn v\u1ee5 \u00e1n cho ng\u00e2n h\u00e0ng \u0111\u1ec3 ph\u00e1t m\u1ea1i x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 h\u1ebft s\u1ee9c quan tr\u1ecdng, g\u00f3p ph\u1ea7n \u0111\u1ea9y m\u1ea1nh t\u1ed1c \u0111\u1ed9 thu h\u1ed3i n\u1ee3 x\u1ea5u v\u00e0 h\u1ed7 tr\u1ee3 c\u00e1c ng\u00e2n h\u00e0ng\u201d.<\/p>\n<p>Ph\u00e1t bi\u1ec3u \u00fd ki\u1ebfn v\u1ec1 vi\u1ec7c lu\u1eadt h\u00f3a 3 n\u1ed9i dung ch\u00ednh s\u00e1ch tr\u00ean v\u00e0o Lu\u1eadt s\u1ed1 96\/2025\/QH15 \u0110\u1ea1i bi\u1ec3u Nguy\u1ec5n Ho\u00e0ng Uy\u00ean, \u0111o\u00e0n \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i t\u1ec9nh Long An cho r\u1eb1ng: \u201cVi\u1ec7c s\u1eeda \u0111\u1ed5i b\u1ed5 sung lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 c\u1ea7n thi\u1ebft nh\u1eb1m x\u1eed l\u00fd c\u00e1c v\u01b0\u1edbng m\u1eafc \u0111ang c\u1ea3n tr\u1edf t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c mua b\u00e1n, x\u1eed l\u00fd n\u1ee3, th\u1ef1c hi\u1ec7n quy\u1ec1n h\u1ee3p ph\u00e1p trong vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; \u0111\u1ed3ng th\u1eddi \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c t\u00ednh c\u00e2n b\u1eb1ng l\u1ee3i \u00edch gi\u1eefa c\u00f4ng t\u00e1c \u0111\u1ea5u tranh ph\u00f2ng ch\u1ed1ng t\u1ed9i ph\u1ea1m v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p ch\u00ednh \u0111\u00e1ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. T\u1eeb \u0111\u00f3 n\u00e2ng cao hi\u1ec7u qu\u1ea3 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m g\u00f3p ph\u1ea7n \u1ed5n \u0111\u1ecbnh h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng\u201d.<\/p>\n<p>Lu\u1eadt s\u1ed1 96\/2025\/QH15 \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5 \u0111i\u1ec1u ki\u1ec7n, quy tr\u00ecnh, tr\u00ecnh t\u1ef1 v\u00e0 th\u1ee7 t\u1ee5c c\u00f4ng khai khi thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng l\u1ea1m d\u1ee5ng v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi vay. C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i x\u00e2y d\u1ef1ng quy tr\u00ecnh n\u1ed9i b\u1ed9 minh b\u1ea1ch, tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt khi ti\u1ebfn h\u00e0nh x\u1eed l\u00fd t\u00e0i s\u1ea3n. \u0110\u1ed3ng th\u1eddi, lu\u1eadt c\u0169ng x\u1eed l\u00fd d\u1ee9t \u0111i\u1ec3m nh\u1eefng t\u00ecnh hu\u1ed1ng ph\u00e1t sinh, nh\u01b0 t\u00e0i s\u1ea3n \u0111ang l\u00e0 v\u1eadt ch\u1ee9ng trong v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 ho\u1eb7c b\u1ecb k\u00ea bi\u00ean trong thi h\u00e0nh \u00e1n.<\/p>\n<h5><strong>\u201cLu\u1eadt h\u00f3a Ngh\u1ecb quy\u1ebft 42 s\u1ebd t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd \u1ed5n \u0111\u1ecbnh, l\u00e2u d\u00e0i, gi\u00fap x\u1eed l\u00fd n\u1ee3 x\u1ea5u hi\u1ec7u qu\u1ea3 h\u01a1n, \u0111\u1ed3ng th\u1eddi b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 ng\u01b0\u1eddi vay.\u201d<\/strong><\/h5>\n<h5><strong>&#8211; Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nguy\u1ec5n Th\u1ecb H\u1ed3ng &#8211;<\/strong><\/h5>\n<p>Vi\u1ec7c lu\u1eadt h\u00f3a Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 v\u00e0o Lu\u1eadt s\u1ed1 96\/2025\/QH15 \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Th\u1ecb H\u1ed3ng \u0111\u00e1nh gi\u00e1: \u201cLu\u1eadt h\u00f3a Ngh\u1ecb quy\u1ebft 42 s\u1ebd t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd \u1ed5n \u0111\u1ecbnh, l\u00e2u d\u00e0i, gi\u00fap x\u1eed l\u00fd n\u1ee3 x\u1ea5u hi\u1ec7u qu\u1ea3 h\u01a1n, \u0111\u1ed3ng th\u1eddi b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 ng\u01b0\u1eddi vay.\u201d<\/p>\n<p>C\u00f3 th\u1ec3 th\u1ea5y, lu\u1eadt h\u00f3a 3 n\u1ed9i dung ch\u00ednh s\u00e1ch then ch\u1ed1t c\u1ee7a Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 v\u1ec1 thu gi\u1eef, k\u00ea bi\u00ean, ho\u00e0n tr\u1ea3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, kh\u00f4ng \u0111\u01a1n thu\u1ea7n l\u00e0 h\u1ee3p th\u1ee9c h\u00f3a m\u1ed9t c\u01a1 ch\u1ebf \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m. \u0110\u00e2y c\u00f2n l\u00e0 m\u1ed9t b\u01b0\u1edbc th\u1ec3 ch\u1ebf k\u1ecbp th\u1eddi v\u00e0 l\u00e0 \u0111i\u1ec3m \u01b0u vi\u1ec7t so v\u1edbi Lu\u1eadt s\u1ed1 32\/2024\/QH15 (Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024) nh\u1eb1m x\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd v\u1eefng ch\u1eafc \u0111\u01b0a ph\u00e1p lu\u1eadt ra kh\u1ecfi \u201cv\u00f9ng x\u00e1m\u201d \u0111\u1ec3 h\u00e0nh \u0111\u1ed9ng quy\u1ebft li\u1ec7t, \u201cr\u00e3 \u0111\u00f4ng\u201d d\u00f2ng v\u1ed1n t\u00edn d\u1ee5ng t\u1eafc ngh\u1ebdn, gi\u00fap doanh nghi\u1ec7p ph\u1ee5c h\u1ed3i, qua \u0111\u00f3 ti\u1ebfp s\u1ee9c cho n\u1ec1n kinh t\u1ebf s\u1edbm l\u1ea5y l\u1ea1i nh\u1ecbp t\u0103ng tr\u01b0\u1edfng.<\/p>\n<h5><strong>KH\u01a0I TH\u00d4NG NGU\u1ed2N L\u1ef0C T\u00c0I CH\u00cdNH \u0110ANG B\u1eca \u201c\u0110\u00d3NG B\u0102NG\u201d, T\u1ea0O \u0110\u1ed8NG L\u1ef0C CHO T\u0102NG TR\u01af\u1edeNG KINH T\u1ebe<\/strong><\/h5>\n<p>Trong bu\u1ed5i Th\u1ea3o lu\u1eadn ng\u00e0y 17\/5\/2025 v\u1edbi \u0110o\u00e0n \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i TP. H\u00e0 N\u1ed9i, T\u1ed5ng b\u00ed th\u01b0 T\u00f4 L\u00e2m \u0111\u00e3 nh\u1eafc \u0111\u1ebfn m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, trong \u0111\u00f3 \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd v\u1ea5n \u0111\u1ec1 huy \u0111\u1ed9ng ngu\u1ed3n l\u1ef1c x\u00e3 h\u1ed9i,&#8221;Quy \u0111\u1ecbnh ph\u1ea3i huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c to\u00e0n b\u1ed9 s\u1ee9c c\u1ee7a d\u00e2n, kh\u00f4ng \u0111\u1ec3 ti\u1ec1n nh\u00e0n r\u1ed7i&#8221;. Theo T\u1ed5ng B\u00ed th\u01b0 \u201cvi\u1ec7c ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u00f2n kh\u00f3, \u201ct\u00edn d\u1ee5ng \u0111\u1ecf\u201d kh\u00f4ng ph\u00e1t tri\u1ec3n th\u00ec \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u1ea1i c\u00f3 c\u01a1 h\u1ed9i\u201d.<\/p>\n<p>Tr\u00ean tinh th\u1ea7n ch\u1ec9 \u0111\u1ea1o s\u00e1t sao c\u1ee7a T\u1ed5ng b\u00ed th\u01b0 T\u00f4 L\u00e2m v\u1ec1 v\u1ea5n \u0111\u1ec1 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong k\u1ef7 nguy\u00ean m\u1edbi, c\u00f3 th\u1ec3 th\u1ea5y vi\u1ec7c ban h\u00e0nh Lu\u1eadt s\u1ed1 96\/2025\/QH15, lu\u1eadt h\u00f3a ngh\u1ecb quy\u1ebft 42\/2017\/QH14 k\u1ef3 v\u1ecdng s\u1ebd x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 h\u00e0ng tr\u0103m ngh\u00ecn t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u, \u201cgi\u1ea3i ph\u00f3ng\u201d ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh \u0111ang b\u1ecb \u201c\u0111\u00f3ng b\u0103ng\u201d v\u00e0 t\u1ea1o \u0111\u1ed9ng l\u1ef1c cho t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.<\/p>\n<p>Ph\u00e1t bi\u1ec3u t\u1ea1i phi\u00ean h\u1ecdp th\u1ee9 46 c\u1ee7a \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i, Ch\u1ee7 t\u1ecbch Tr\u1ea7n Thanh M\u1eabn kh\u1eb3ng \u0111\u1ecbnh: V\u1edbi vi\u1ec7c Lu\u1eadt s\u1ed1 96\/2025\/QH15 \u0111\u01b0\u1ee3c th\u00f4ng qua s\u1ebd gi\u00fap gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng thua l\u1ed7 k\u00e9o d\u00e0i, t\u00e1i c\u1ea5u tr\u00fac v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u g\u00f3p ph\u1ea7n \u1ed5n \u0111\u1ecbnh h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p>\n<p>Nh\u1eefng \u0111i\u1ec3m m\u1edbi trong Lu\u1eadt s\u1ed1 96\/2025\/QH15 \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd tr\u1edf th\u00e0nh \u201cl\u1eddi gi\u1ea3i\u201d cho nh\u1eefng v\u01b0\u1edbng m\u1eafc m\u00e0 c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p \u0111ang g\u1eb7p ph\u1ea3i trong th\u1ef1c ti\u1ec5n. V\u1ec1 v\u1ea5n \u0111\u1ec1 th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh cho vay, l\u00e3i su\u1ea5t 0% v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t, \u0110\u1ea1i bi\u1ec3u Nguy\u1ec5n H\u1eefu Th\u00f4ng, \u0110o\u00e0n \u0110\u1ea1i bi\u1ec3u t\u1ec9nh B\u00ecnh Thu\u1eadn \u0111\u00e1nh gi\u00e1: \u201c\u0110\u00e2y l\u00e0 m\u1ed9t ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 m\u1ea1nh m\u1ebd, th\u1ec3 hi\u1ec7n vai tr\u00f2 c\u1ee7a NHNN trong vi\u1ec7c h\u1ed7 tr\u1ee3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang trong t\u00ecnh tr\u1ea1ng \u0111\u1eb7c bi\u1ec7t kh\u00f3 kh\u0103n nh\u1eb1m gi\u1eef v\u1eefng an to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng\u201d.<\/p>\n<h5><strong>\u201c\u0110\u00e2y l\u00e0 m\u1ed9t ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 m\u1ea1nh m\u1ebd, th\u1ec3 hi\u1ec7n vai tr\u00f2 c\u1ee7a NHNN trong vi\u1ec7c h\u1ed7 tr\u1ee3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang trong t\u00ecnh tr\u1ea1ng \u0111\u1eb7c bi\u1ec7t kh\u00f3 kh\u0103n nh\u1eb1m gi\u1eef v\u1eefng an to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng\u201d.<\/strong><\/h5>\n<h5><strong>&#8211; \u0110\u1ea1i bi\u1ec3u Nguy\u1ec5n H\u1eefu Th\u00f4ng, \u0110o\u00e0n \u0110\u1ea1i bi\u1ec3u t\u1ec9nh B\u00ecnh Thu\u1eadn &#8211;<\/strong><\/h5>\n<p>Th\u1ef1c t\u1ebf cho th\u1ea5y, trong giai \u0111o\u1ea1n x\u1eed l\u00fd c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m tr\u01b0\u1edbc \u0111\u00e2y, vi\u1ec7c thi\u1ebfu c\u01a1 ch\u1ebf r\u00f5 r\u00e0ng v\u1ec1 th\u1ea9m quy\u1ec1n ph\u00ea duy\u1ec7t, \u0111i\u1ec1u ki\u1ec7n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 ki\u1ec3m so\u00e1t d\u00f2ng v\u1ed1n h\u1ed7 tr\u1ee3 \u0111\u00e3 khi\u1ebfn vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u k\u00e9o d\u00e0i, ph\u00e1t sinh chi ph\u00ed l\u1edbn m\u00e0 hi\u1ec7u qu\u1ea3 ch\u01b0a t\u01b0\u01a1ng x\u1ee9ng. V\u00ec v\u1eady, quy \u0111\u1ecbnh m\u1edbi trong Lu\u1eadt s\u1ed1 96\/2025\/QH15, khi trao quy\u1ec1n cho NHNN quy\u1ebft \u0111\u1ecbnh cho vay \u0111\u1eb7c bi\u1ec7t nh\u01b0ng \u0111\u1ed3ng th\u1eddi \u0111\u1eb7t d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 Qu\u1ed1c h\u1ed9i, ch\u00ednh l\u00e0 c\u00e1ch thi\u1ebft k\u1ebf c\u00e2n b\u1eb1ng gi\u1eefa h\u1ed7 tr\u1ee3 v\u00e0 k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y gi\u00fap ng\u0103n ng\u1eeba r\u1ee7i ro l\u1ea1m d\u1ee5ng ch\u00ednh s\u00e1ch, \u0111\u1ea3m b\u1ea3o v\u1ed1n h\u1ed7 tr\u1ee3 th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng an to\u00e0n, minh b\u1ea1ch v\u00e0 b\u1ec1n v\u1eefng h\u01a1n.<\/p>\n<p>Kh\u00f4ng ch\u1ec9 \u0111\u01b0a ra v\u1ea5n \u0111\u1ec1 th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh cho vay, l\u00e3i su\u1ea5t 0% v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t, Lu\u1eadt s\u1ed1 96\/2025\/QH15 c\u00f2n bi\u1ebfn nh\u1eefng quy \u0111\u1ecbnh mang t\u00ednh th\u00ed \u0111i\u1ec3m tr\u01b0\u1edbc \u0111\u00e2y trong Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u th\u00e0nh c\u01a1 ch\u1ebf ph\u00e1p l\u00fd \u1ed5n \u0111\u1ecbnh v\u00e0 l\u00e2u d\u00e0i k\u1ef3 v\u1ecdng tr\u1edf th\u00e0nh \u201c\u0111\u00f2n b\u1ea9y\u201d cho d\u00f2ng v\u1ed1n ch\u1ea3y m\u1ea1nh.<\/p>\n<p>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Anh T\u00fa &#8211; Ch\u1ee7 t\u1ecbch Law Firm, chuy\u00ean gia cao c\u1ea5p trong l\u0129nh v\u1ef1c ph\u00e1p l\u00fd doanh nghi\u1ec7p, t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng v\u00e0 c\u1ea3i c\u00e1ch th\u1ec3 ch\u1ebf chia s\u1ebb v\u1edbi ch\u00fang t\u00f4i v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c lu\u1eadt h\u00f3a ngh\u1ecb quy\u1ebft 42\/2017\/QH14 qua v\u1ee5 vi\u1ec7c trong th\u1ef1c t\u1ebf: \u201cNg\u00e2n h\u00e0ng l\u00e0 th\u00e2n ch\u1ee7 c\u00f3 kho\u1ea3n cho vay h\u01a1n 90 t\u1ec9 \u0111\u1ed3ng, \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng nh\u00e0 x\u01b0\u1edfng v\u00e0 thi\u1ebft b\u1ecb s\u1ea3n xu\u1ea5t c\u1ee7a m\u1ed9t doanh nghi\u1ec7p th\u1ef1c ph\u1ea9m n\u1ed5i ti\u1ebfng \u1edf \u0110\u00f4ng Nam B\u1ed9. H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u00e3 c\u00f4ng ch\u1ee9ng, \u0111i\u1ec1u kho\u1ea3n thu gi\u1eef \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn r\u00f5 r\u00e0ng. Khi b\u00ean vay m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3, ng\u00e2n h\u00e0ng ti\u1ebfn h\u00e0nh thu gi\u1eef theo Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 (v\u1ed1n cho ph\u00e9p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m n\u1ebfu h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ecfa thu\u1eadn v\u00e0 b\u00ean vay vi ph\u1ea1m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3). Tuy nhi\u00ean, do Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 ch\u1ec9 l\u00e0 ch\u00ednh s\u00e1ch th\u00ed \u0111i\u1ec3m, c\u00f3 th\u1eddi h\u1ea1n \u00e1p d\u1ee5ng v\u00e0 sau \u0111\u00f3 \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c, n\u00ean doanh nghi\u1ec7p vay v\u1ed1n \u0111\u00f3ng c\u1eeda, kh\u00f4ng h\u1ee3p t\u00e1c. L\u1ef1c l\u01b0\u1ee3ng h\u1ed7 tr\u1ee3 t\u1eeb ch\u1ed1i can thi\u1ec7p, vi\u1ec7n d\u1eabn \u201ckh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u01b0\u1ee1ng ch\u1ebf\u201d. Cu\u1ed1i c\u00f9ng, ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i kh\u1edfi ki\u1ec7n ra t\u00f2a, m\u1ea5t g\u1ea7n 5 n\u0103m m\u1edbi thu h\u1ed3i \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n &#8211; khi \u0111\u00f3 gi\u00e1 tr\u1ecb \u0111\u00e3 gi\u1ea3m h\u01a1n m\u1ed9t n\u1eeda. \u0110\u00f3 l\u00e0 v\u00ed d\u1ee5 cho th\u1ea5y: n\u1ebfu kh\u00f4ng c\u00f3 ph\u00e1p lu\u1eadt c\u01b0\u1ee1ng ch\u1ebf thi h\u00e0nh, quy\u1ec1n \u0111\u01b0\u1ee3c ghi nh\u1eadn c\u0169ng ch\u1ec9 l\u00e0\u2026 l\u1eddi h\u1ee9a\u201d. T\u1eeb c\u00e2u chuy\u1ec7n th\u1ef1c ti\u1ec5n c\u00f3 th\u1ec3 th\u1ea5y, vi\u1ec7c lu\u1eadt h\u00f3a Ngh\u1ecb quy\u1ebft 42\/2017\/QH14 kh\u00f4ng ch\u1ec9 nh\u1eb1m h\u1ee3p th\u1ee9c h\u00f3a quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, m\u00e0 quan tr\u1ecdng h\u01a1n quy \u0111\u1ecbnh r\u00f5 ho\u1ea1t \u0111\u1ed9ng c\u01b0\u1ee1ng ch\u1ebf \u0111\u1ef1\u1ee3c thi h\u00e0nh minh b\u1ea1ch, kh\u1ea3 thi, b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, qua \u0111\u00f3 kh\u01a1i th\u00f4ng d\u00f2ng v\u1ed1n v\u00e0 c\u1ee7ng c\u1ed1 ni\u1ec1m tin v\u00e0o m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd kinh doanh.<\/p>\n<p>Theo Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, th\u1ef1c ti\u1ec5n th\u1eddi gian qua cho th\u1ea5y, kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd khi\u1ebfn c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng bu\u1ed9c ph\u1ea3i kh\u1edfi ki\u1ec7n ra t\u00f2a \u00e1n \u0111\u1ec3 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. H\u1ec7 qu\u1ea3 l\u00e0 ti\u1ebfn tr\u00ecnh v\u1eeba ch\u1eadm tr\u1ec5, v\u1eeba ph\u00e1t sinh th\u00eam chi ph\u00ed, l\u00e0m t\u0103ng g\u00e1nh n\u1eb7ng cho c\u1ea3 ng\u00e2n h\u00e0ng l\u1eabn kh\u00e1ch h\u00e0ng. Nghi\u00eam tr\u1ecdng h\u01a1n, kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p b\u00ean cho vay l\u1ee3i d\u1ee5ng vi\u1ec7c quy\u1ec1n thu gi\u1eef c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c \u0111\u1ec3 ch\u00e2y \u00ec, kh\u00f4ng h\u1ee3p t\u00e1c, khi\u1ebfn qu\u00e1 tr\u00ecnh thu h\u1ed3i t\u00e0i s\u1ea3n r\u01a1i v\u00e0o b\u1ebf t\u1eafc. Ch\u00ednh trong b\u1ed1i c\u1ea3nh \u0111\u00f3, vi\u1ec7c lu\u1eadt h\u00f3a c\u01a1 ch\u1ebf thu gi\u1eef, k\u00ea bi\u00ean v\u00e0 ho\u00e0n tr\u1ea3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00f4ng ch\u1ec9 th\u00e1o g\u1ee1 \u0111i\u1ec3m ngh\u1ebdn cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a nh\u00e2n d\u00e2n, t\u1ea1o m\u00f4i tr\u01b0\u1eddng kinh doanh minh b\u1ea1ch v\u00e0 thu\u1eadn l\u1ee3i h\u01a1n cho doanh nghi\u1ec7p.<\/p>\n<p>TS. C\u1ea5n V\u0103n L\u1ef1c, th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng t\u01b0 v\u1ea5n ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh &#8211; ti\u1ec1n t\u1ec7 qu\u1ed1c gia cho r\u1eb1ng vi\u1ec7c trao quy\u1ec1n cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ee7 \u0111\u1ed9ng thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, thay v\u00ec ph\u1ea3i kh\u1edfi ki\u1ec7n v\u00e0 ch\u1edd thi h\u00e0nh \u00e1n, s\u1ebd gi\u00fap ti\u1ebft ki\u1ec7m \u0111\u00e1ng k\u1ec3 th\u1eddi gian, chi ph\u00ed v\u00e0 ngu\u1ed3n l\u1ef1c x\u00e3 h\u1ed9i. B\u00ean c\u1ea1nh \u0111\u00f3, v\u1ec7c lu\u1eadt h\u00f3a quy \u0111\u1ecbnh thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u00f2n mang t\u00ednh ch\u1ea5t r\u0103n \u0111e \u0111\u1ed1i v\u1edbi b\u00ean vay, t\u1ea1o \u00fd th\u1ee9c ph\u1ed1i h\u1ee3p trong vi\u1ec7c tr\u1ea3 n\u1ee3\/x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, g\u00f3p ph\u1ea7n \u0111\u1ec1 cao tinh th\u1ea7n th\u01b0\u1ee3ng t\u00f4n ph\u00e1p lu\u1eadt c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n, doanh nghi\u1ec7p c\u00f3 li\u00ean quan.<\/p>\n<h5><strong>\u201cLu\u1eadt h\u00f3a quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o v\u00f4 t\u1ed9i v\u1ea1, m\u00e0 ph\u1ea3i tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh, \u0111i\u1ec1u ki\u1ec7n, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c nh\u1ea5t \u0111\u1ecbnh. Quan tr\u1ecdng nh\u1ea5t l\u00e0, \u0111i\u1ec1u n\u00e0y s\u1ebd ph\u00e1t \u0111i th\u00f4ng \u0111i\u1ec7p m\u1ea1nh m\u1ebd cho th\u1ecb tr\u01b0\u1eddng v\u1ec1 k\u1ef7 c\u01b0\u01a1ng, v\u0103n h\u00f3a t\u00edn d\u1ee5ng, b\u1ea3o v\u1ec7 c\u00f4ng b\u1eb1ng cho c\u1ea3 ng\u01b0\u1eddi cho vay l\u1eabn ng\u01b0\u1eddi \u0111i vay\u201d.<\/strong><\/h5>\n<h5><strong>&#8211; ThS. Nguy\u1ec5n Ti\u1ebfn Ngh\u0129a, Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam Th\u01b0\u01a1ng T\u00edn Chi nh\u00e1nh \u0110\u1ed3ng Th\u00e1p &#8211;<\/strong><\/h5>\n<p>Nh\u1eadn \u0111\u1ecbnh v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ed5 sung trong Lu\u1eadt s\u1ed1 96\/2025\/Qh15, ThS. Nguy\u1ec5n Ti\u1ebfn Ngh\u0129a, Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam Th\u01b0\u01a1ng T\u00edn Chi nh\u00e1nh \u0110\u1ed3ng Th\u00e1p (VietBank \u0110\u1ed3ng Th\u00e1p) cho r\u1eb1ng: \u201cLu\u1eadt h\u00f3a quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o v\u00f4 t\u1ed9i v\u1ea1, m\u00e0 ph\u1ea3i tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh, \u0111i\u1ec1u ki\u1ec7n, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c nh\u1ea5t \u0111\u1ecbnh. Quan tr\u1ecdng nh\u1ea5t l\u00e0, \u0111i\u1ec1u n\u00e0y s\u1ebd ph\u00e1t \u0111i th\u00f4ng \u0111i\u1ec7p m\u1ea1nh m\u1ebd cho th\u1ecb tr\u01b0\u1eddng v\u1ec1 k\u1ef7 c\u01b0\u01a1ng, v\u0103n h\u00f3a t\u00edn d\u1ee5ng, b\u1ea3o v\u1ec7 c\u00f4ng b\u1eb1ng cho c\u1ea3 ng\u01b0\u1eddi cho vay l\u1eabn ng\u01b0\u1eddi \u0111i vay. Kh\u00e1ch h\u00e0ng bi\u1ebft kh\u00f4ng c\u00f2n \u201cc\u1eeda\u201d ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3 &#8211; v\u00ec d\u00f9 c\u00f3 c\u1ed1 t\u00ecnh kh\u00f4ng h\u1ee3p t\u00e1c b\u00e0n giao t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, th\u00ec c\u0169ng s\u1ebd b\u1ecb ng\u00e2n h\u00e0ng thu gi\u1eef &#8211; s\u1ebd t\u0103ng \u00fd th\u1ee9c tr\u1ea3 n\u1ee3. Khi \u0111\u00f3, ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd y\u00ean t\u00e2m cho vay h\u01a1n\u201d.<\/p>\n<h5><em>Kh\u00f4ng ch\u1ec9 c\u00f3 thu gi\u1eef t\u00e0i s\u1ea3n m\u00e0 v\u1ea5n \u0111\u1ec1 k\u00ea bi\u00ean, ho\u00e0n tr\u1ea3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u0169ng \u0111\u01b0\u1ee3c quan t\u00e2m v\u00e0 k\u1ef3 v\u1ecdng s\u1ebd mang l\u1ea1i nh\u1eefng t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c. <\/em><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><strong><em>Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\"><strong><em>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a><strong><em>,<\/em><\/strong><strong><em> Gi\u00e1m \u0111\u1ed1c <\/em><\/strong><a href=\"https:\/\/anvilaw.com\/\"><strong><em>C\u00f4ng ty Lu\u1eadt<\/em><\/strong><\/a> <span style=\"color: #723918;\"><a style=\"color: #723918;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\"><strong><em>ANVI<\/em><\/strong><\/a><\/span> <em>nh\u1ea5n m\u1ea1nh: \u201c\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng quy \u0111\u1ecbnh mang t\u00ednh \u201cc\u00e1ch m\u1ea1ng\u201d nh\u01b0 \u0110i\u1ec1u 198a, nh\u01b0ng l\u00e0 nh\u1eefng b\u1ed5 sung k\u1ef9 thu\u1eadt c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ed3ng b\u1ed9 h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt\u201d.<\/em><\/h5>\n<h5><strong>\u201cS\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh doanh nghi\u1ec7p c\u0169ng \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n r\u00f5 n\u00e9t khi n\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t hi\u1ec7u qu\u1ea3. Doanh nghi\u1ec7p d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd, d\u00f2ng ti\u1ec1n \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 v\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n n\u00e2ng cao\u201d.<\/strong><\/h5>\n<h5><strong>&#8211; \u00d4ng Nguy\u1ec5n Th\u1ebf Minh &#8211; Gi\u00e1m \u0111\u1ed1c Ph\u00e2n t\u00edch Kh\u1ed1i Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n t\u1ea1i Ch\u1ee9ng kho\u00e1n Yuanta Vi\u1ec7t Nam &#8211;<\/strong><\/h5>\n<p>\u00d4ng Nguy\u1ec5n Th\u1ebf Minh &#8211; Gi\u00e1m \u0111\u1ed1c Ph\u00e2n t\u00edch Kh\u1ed1i Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n t\u1ea1i Ch\u1ee9ng kho\u00e1n Yuanta Vi\u1ec7t Nam c\u0169ng \u0111\u01b0a ra \u0111\u00e1nh gi\u00e1 t\u00edch c\u1ef1c: Vi\u1ec7c lu\u1eadt h\u00f3a Ngh\u1ecb quy\u1ebft 42 trong Lu\u1eadt s\u1ed1 96\/2025\/QH15 \u0111\u01b0\u1ee3c xem l\u00e0 b\u01b0\u1edbc \u0111i mang t\u00ednh n\u1ec1n t\u1ea3ng, t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd b\u1ec1n v\u1eefng cho c\u00f4ng t\u00e1c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Trong k\u1ecbch b\u1ea3n l\u1ea1c quan, ch\u00ednh s\u00e1ch n\u00e0y c\u00f3 th\u1ec3 k\u00e9o t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u to\u00e0n h\u1ec7 th\u1ed1ng xu\u1ed1ng d\u01b0\u1edbi ng\u01b0\u1ee1ng 3%, qua \u0111\u00f3 c\u1ee7ng c\u1ed1 ni\u1ec1m tin th\u1ecb tr\u01b0\u1eddng v\u00e0 th\u00fac \u0111\u1ea9y t\u00ednh \u1ed5n \u0111\u1ecbnh c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. \u00d4ng c\u0169ng ph\u00e2n t\u00edch th\u00eam: \u201cS\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh doanh nghi\u1ec7p c\u0169ng \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n r\u00f5 n\u00e9t khi n\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t hi\u1ec7u qu\u1ea3. Doanh nghi\u1ec7p d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd, d\u00f2ng ti\u1ec1n \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 v\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n n\u00e2ng cao\u201d. T\u1eeb nh\u1eefng ph\u00e2n t\u00edch \u0111\u00f3 c\u00f3 th\u1ec3 th\u1ea5y, Lu\u1eadt s\u1ed1 96\/2025\/QH15 m\u1edf ra k\u1ef3 v\u1ecdng l\u1edbn v\u1ec1 vi\u1ec7c \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u th\u1ef1c ti\u1ec5n, kh\u01a1i th\u00f4ng d\u00f2ng v\u1ed1n cho c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p, t\u1ea1o n\u1ec1n t\u1ea3ng cho s\u1ef1 ph\u1ee5c h\u1ed3i v\u00e0 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p>\n<p>T\u1ea1i phi\u00ean th\u1ea3o lu\u1eadn k\u1ef3 h\u1ecdp th\u1ee9 9, Qu\u1ed1c h\u1ed9i kh\u00f3a XV, Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Th\u1ecb H\u1ed3ng chia s\u1ebb r\u1eb1ng, c\u00e1c quy \u0111\u1ecbnh trong lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd mang l\u1ea1i nhi\u1ec1u t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ed1i v\u1edbi kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p, g\u00f3p ph\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c m\u1ee5c ti\u00eau ph\u00e1t tri\u1ec3n \u0111\u1ea5t n\u01b0\u1edbc, c\u0169ng nh\u01b0 \u0111\u1ea3m b\u1ea3o an ninh tr\u1eadt t\u1ef1 v\u00e0 an to\u00e0n x\u00e3 h\u1ed9i.<\/p>\n<h6>Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Th\u1ecb H\u1ed3ng chia s\u1ebb c\u00e1c quy \u0111\u1ecbnh trong lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/h6>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, c\u0169ng theo Th\u1ed1ng \u0111\u1ed1c, \u201ckhi n\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c x\u1eed l\u00fd, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd c\u00f3 th\u00eam ngu\u1ed3n l\u1ef1c \u0111\u1ec3 lu\u00e2n chuy\u1ec3n v\u1ed1n, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u1ed3ng th\u1eddi, vi\u1ec7c gi\u1ea3m n\u1ee3 x\u1ea5u c\u0169ng gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng gi\u1ea3m \u00e1p l\u1ef1c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro, t\u1eeb \u0111\u00f3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 gi\u1ea3m l\u00e3i su\u1ea5t cho vay, mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3 doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi vay\u201d.<\/p>\n<p>Lu\u1eadt s\u1ed1 96\/2025\/QH15 \u2013 V\u1edbi h\u00e0nh lang ph\u00e1p l\u00fd r\u00f5 r\u00e0ng, minh b\u1ea1ch \u0111\u00e3 th\u00e1o g\u1ee1 nh\u1eefng \u0111i\u1ec3m ngh\u1ebdn t\u1ed3n t\u1ea1i nhi\u1ec1u n\u0103m trong x\u1eed l\u00fd n\u1ee3 x\u1ea5u, \u0111\u1ed3ng th\u1eddi t\u1ea1o khu\u00f4n kh\u1ed5 v\u1eefng ch\u1eafc \u0111\u1ec3 h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng v\u1eadn h\u00e0nh th\u00f4ng su\u1ed1t, an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3. \u0110\u00e2y c\u0169ng ch\u00ednh l\u00e0 b\u01b0\u1edbc c\u1ee5 th\u1ec3 h\u00f3a tinh th\u1ea7n c\u1ea3i c\u00e1ch th\u1ec3 ch\u1ebf \u0111\u01b0\u1ee3c T\u1ed5ng B\u00ed th\u01b0 nh\u1ea5n m\u1ea1nh: ph\u00e1p lu\u1eadt ph\u1ea3i tr\u1edf th\u00e0nh \u0111\u1ed9ng l\u1ef1c cho ph\u00e1t tri\u1ec3n.<\/p>\n<p>C\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh, Lu\u1eadt s\u1eeda \u0111\u1ed5i l\u1ea7n n\u00e0y n\u1ec1n t\u1ea3ng \u0111\u1ec3 gi\u1ea3i ph\u00f3ng ngu\u1ed3n l\u1ef1c, huy \u0111\u1ed9ng to\u00e0n b\u1ed9 s\u1ee9c m\u1ea1nh x\u00e3 h\u1ed9i v\u00e0o ph\u00e1t tri\u1ec3n kinh t\u1ebf, g\u00f3p ph\u1ea7n hi\u1ec7n th\u1ef1c h\u00f3a kh\u00e1t v\u1ecdng x\u00e2y d\u1ef1ng m\u1ed9t n\u1ec1n kinh t\u1ebf \u0111\u1ed9c l\u1eadp, t\u1ef1 ch\u1ee7, h\u1ed9i nh\u1eadp v\u00e0 b\u1ee9t ph\u00e1 trong t\u01b0\u01a1ng lai. \u0110\u00e2y l\u00e0 m\u1ed9t b\u01b0\u1edbc \u0111i \u0111\u00fang h\u01b0\u1edbng, th\u1ec3 hi\u1ec7n tinh th\u1ea7n \u201cQu\u1ed1c h\u1ed9i ki\u1ebfn t\u1ea1o \u2013 lu\u1eadt ph\u00e1p \u0111\u1ed3ng h\u00e0nh c\u00f9ng doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n\u201d, g\u00f3p ph\u1ea7n hi\u1ec7n th\u1ef1c h\u00f3a m\u1ee5c ti\u00eau ph\u00e1t tri\u1ec3n kinh t\u1ebf b\u1ec1n v\u1eefng trong k\u1ef7 nguy\u00ean v\u01b0\u01a1n m\u00ecnh.<\/p>\n<h6><em>Th\u1ef1c hi\u1ec7n: Th\u01b0\u1ee3ng \u00fay Nguy\u1ec5n Nh\u1eadt Anh, Trung u\u00fd L\u00ea Trung An, Nh\u00e0 b\u00e1o B\u00f9i Anh, Thanh Tr\u00e0<br \/>\n\u1ea2nh t\u01b0 li\u1ec7u: B\u00e1o C\u00f4ng l\u00fd, C\u1ed5ng th\u00f4ng tin \u0111i\u1ec7n t\u1eed Qu\u1ed1c h\u1ed9i, B\u00e1o \u0110\u1ea1i bi\u1ec3u Nh\u00e2n d\u00e2n, B\u00e1o Nh\u00e2n D\u00e2n, C\u1ed5ng th\u00f4ng tin \u0110i\u1ec7n t\u1eed Ch\u00ednh ph\u1ee7<\/em><\/h6>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>C\u00f4ng<\/em><\/strong> <strong><em>l\u00fd<\/em><\/strong><strong><em> (Ch\u00ednh<\/em><\/strong> <strong><em>tr\u1ecb<\/em><\/strong><strong><em>) ng\u00e0y <\/em><\/strong><strong><em>10-11<\/em><\/strong><strong><em>-202<\/em><\/strong><strong><em>5<\/em><\/strong><strong><em>:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/congly.vn\/bai-3-sua-luat-cac-to-chuc-tin-dung-thao-go-diem-nghen-the-che-ky-vong-tao-suc-bat-moi-cho-thi-truong-500807.html\">https:\/\/congly.vn\/bai-3-sua-luat-cac-to-chuc-tin-dung-thao-go-diem-nghen-the-che-ky-vong-tao-suc-bat-moi-cho-thi-truong-500807.html<\/a><\/em><\/p>\n<p><em>(<\/em><em>76\/5.170<\/em><em>)<\/em>","protected":false},"excerpt":{"rendered":"<p>S\u1eeda Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng &#8211; Th\u00e1o g\u1ee1 \u0111i\u1ec3m ngh\u1ebdn th\u1ec3 ch\u1ebf k\u1ef3 v\u1ecdng t\u1ea1o s\u1ee9c b\u1eadt cho th\u1ecb tr\u01b0\u1eddng. (CL) &#8211; Ph\u00e1t bi\u1ec3u t\u1ea1i bu\u1ed5i g\u1eb7p m\u1eb7t \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i ng\u00e0y 27\/8\/2025, T\u1ed5ng B\u00ed th\u01b0 T\u00f4 L\u00e2m nh\u1ea5n m\u1ea1nh: \u201cQu\u1ed1c h\u1ed9i ph\u1ea3i \u0111i tr\u01b0\u1edbc m\u1ed9t b\u01b0\u1edbc v\u1ec1 th\u1ec3 ch\u1ebf, d\u00e1m m\u1edf [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":49118,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36,53],"class_list":["post-49117","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-ngan-hang","tag-quan-ly-nha-nuoc"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4.190. 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