{"id":5051,"date":"2001-11-02T16:13:50","date_gmt":"2001-11-02T09:13:50","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5051"},"modified":"2024-11-14T15:45:38","modified_gmt":"2024-11-14T08:45:38","slug":"62-thuc-trang-mot-so-van-de-bat-cap-trong-2-dao-luat-ve-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/62-thuc-trang-mot-so-van-de-bat-cap-trong-2-dao-luat-ve-ngan-hang\/","title":{"rendered":"62. Th\u1ef1c tr\u1ea1ng m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp trong 2 \u0111\u1ea1o lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng."},"content":{"rendered":"<h4><span style=\"color: #723918;\">Th\u1ef1c tr\u1ea1ng m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp trong 2 \u0111\u1ea1o lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng.<\/span><\/h4>\n<h5><strong>(TCNH) &#8211; Trong b\u1ed1i c\u1ea3nh h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n ph\u00e1p quy c\u1ee7a n\u01b0\u1edbc ta c\u00f2n qu\u00e1 nhi\u1ec1u b\u1ea5t c\u1eadp, m\u00e2u thu\u1eabn v\u00e0 ch\u1ed3ng ch\u00e9o nh\u01b0 hi\u1ec7n nay, th\u00ec vi\u1ec7c x\u00e2y d\u1ef1ng c\u0169ng nh\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung ph\u00e1p lu\u1eadt l\u00e0 c\u00f4ng cu\u1ed9c v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n v\u00e0 ph\u1ee9c t\u1ea1p. Nh\u1eefng ng\u01b0\u1eddi th\u1eadt s\u1ef1 quan t\u00e2m \u0111\u1ebfn ph\u00e1p lu\u1eadt s\u1ebd th\u00f4ng c\u1ea3m v\u1edbi c\u01a1 quan l\u1eadp ph\u00e1p, chia s\u1ebb v\u1edbi c\u00e1c c\u01a1 quan so\u1ea1n th\u1ea3o v\u00e0 \u0111\u1ed3ng c\u1ea3m v\u1edbi c\u00e1c c\u01a1 quan th\u1ef1c thi ph\u00e1p lu\u1eadt. Do \u0111\u00f3, khi b\u00e0n \u0111\u1ebfn vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Vi\u1ec7t Nam v\u00e0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u1ea7n c\u00f3 c\u00e1ch nh\u00ecn to\u00e0n di\u1ec7n v\u00e0 c\u00f4ng b\u1eb1ng.<\/strong><\/h5>\n<p>B\u00e0i vi\u1ebft n\u00e0y kh\u00f4ng nh\u1eb1m gi\u1ea3i th\u00edch nguy\u00ean nh\u00e2n ph\u1ea3i s\u1eeda \u0111\u1ed5i, m\u00e0 g\u00f3p ph\u1ea7n t\u00ecm hi\u1ec3u v\u1ec1 th\u1ef1c tr\u1ea1ng m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp trong hai \u0111\u1ea1o lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng, trong \u0111\u00f3 ch\u1ee7 y\u1ebfu l\u00e0 v\u1ec1 Lu\u1eadt C\u00e1c TCTD. \u0110\u1ed3ng th\u1eddi, qua \u0111\u00e2y c\u0169ng th\u1ec3 hi\u1ec7n quan \u0111i\u1ec3m kh\u00f4ng \u0111\u1ed3ng t\u00ecnh v\u1edbi c\u00e1ch \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 v\u00e0 m\u1ed9t s\u1ed1 nh\u1eadn \u0111\u1ecbnh c\u1ee7a t\u00e1c gi\u1ea3 \u0110\u1eb7ng V\u0103n Th\u00e0nh (d\u01b0\u1edbi \u0111\u00e2y g\u1ecdi t\u1eaft l\u00e0 t\u00e1c gi\u1ea3) trong b\u00e0i vi\u1ebft \u201c<em>M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1eeda \u0111\u1ed5i v\u00e0 b\u1ed5 sung hai lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng<\/em>\u201d, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 9-2001. M\u1eb7c d\u00f9, h\u1ea7u h\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 m\u00e0 t\u00e1c gi\u1ea3 n\u00eau ra c\u0169ng ch\u00ednh l\u00e0 nh\u1eefng \u00fd ki\u1ebfn c\u1ee7a t\u00f4i \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong b\u00e0i vi\u1ebft \u201c<em>M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc khi tri\u1ec3n khai th\u1ef1c hi\u1ec7n Lu\u1eadt C\u00e1c TCTD v\u00e0 Lu\u1eadt Doanh nghi\u1ec7p \u0111\u1ed1i v\u1edbi c\u00e1c NHTM c\u1ed5 ph\u1ea7n<\/em>\u201d, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 1-2001 v\u00e0 trong m\u1ed9t t\u00e0i li\u1ec7u g\u00f3p \u00fd hai \u0111\u1ea1o lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng, g\u1eedi cho NHNN v\u00e0o th\u00e1ng 7-2001. Tuy t\u00e1c gi\u1ea3 cho r\u1eb1ng ch\u1ec9 \u201c<em>ti\u1ebfp c\u1eadn v\u1ea5n \u0111\u1ec1 \u1edf gi\u00e1c \u0111\u1ed9 th\u1ef1c ti\u1ec5n \u00e1p d\u1ee5ng, mang t\u00ednh ch\u1ea5t li\u1ec7t k\u00ea h\u01a1n l\u00e0 t\u1ed5ng h\u1ee3p<\/em>\u201d nh\u01b0ng l\u1ea1i c\u00f3 nh\u1eefng l\u1eddi l\u1ebd quy k\u1ebft, nh\u1eadn \u0111\u1ecbnh r\u1ea5t m\u1ea1nh m\u1ebd, l\u1ea1 l\u00f9ng v\u00e0 ch\u1ee7 quan. Do v\u1eady, t\u00f4i th\u1ea5y c\u1ea7n ph\u1ea3i trao \u0111\u1ed5i v\u00e0 b\u00ecnh lu\u1eadn v\u1ec1 10 trong s\u1ed1 nhi\u1ec1u v\u1ea5n \u0111\u1ec1, \u0111\u1ec3 \u0111\u1ed9c gi\u1ea3 b\u1edbt hoang mang v\u00e0 nghi ng\u1edd v\u1ec1 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd c\u1ee7a hai \u0111\u1ea1o lu\u1eadt n\u00e0y.<\/p>\n<ol>\n<li>T\u00e1c gi\u1ea3 cho r\u1eb1ng, l\u00fd do ph\u1ea3i s\u1eeda \u0111\u1ed5i, b\u1ed5 sung hai \u0111\u1ea1o lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng l\u00e0 v\u00ec c\u00f3 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp. Tuy nhi\u00ean, theo t\u00f4i nh\u1eefng v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp \u0111\u00f3 l\u1ea1i kh\u00f4ng quan tr\u1ecdng v\u00e0 \u00edt \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd c\u1ee7a lu\u1eadt, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi Lu\u1eadt NHNN. N\u1ebfu ch\u1ec9 v\u00ec nh\u1eefng v\u1ea5n \u0111\u1ec1 \u1ea5y m\u00e0 ph\u1ea3i s\u1eeda \u0111\u1ed5i, b\u1ed5 sung hai \u0111\u1ea1o lu\u1eadt, th\u00ec \u0111\u00e3 ph\u1ea3i l\u00e0m vi\u1ec7c n\u00e0y ngay t\u1eeb khi ch\u00fang m\u1edbi \u0111\u01b0\u1ee3c th\u00f4ng qua, ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u1ee3i \u0111\u1ebfn t\u1eadn b\u00e2y gi\u1edd. V\u00ec ngay t\u1eeb \u0111\u1ea7u n\u0103m 1999, m\u1ed9t s\u1ed1 \u0111i\u1ec3m b\u1ea5t c\u1eadp \u0111\u00e3 \u0111\u01b0\u1ee3c t\u00f4i \u0111\u00e3 n\u00eau ra trong b\u00e0i vi\u1ebft \u201c<em>M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc c\u1ea7n \u0111\u01b0\u1ee3c quan t\u00e2m khi x\u00e2y d\u1ef1ng c\u00e1c v\u0103n b\u1ea3n tri\u1ec3n khai th\u1ef1c hi\u1ec7n Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>\u201d, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 9, th\u00e1ng 4-1999.<\/li>\n<\/ol>\n<p>Th\u1ef1c ra, m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 m\u00e0 t\u00e1c gi\u1ea3 cho r\u1eb1ng c\u00f2n b\u1ea5t c\u1eadp trong hai \u0111\u1ea1o lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng l\u1ea1i kh\u00f4ng h\u1eb3n l\u00e0 s\u1ef1 b\u1ea5t c\u1eadp ho\u1eb7c ch\u00ednh l\u00e0 do s\u1ef1 b\u1ea5t c\u1eadp c\u1ee7a c\u00e1c lu\u1eadt kh\u00e1c. Ch\u1eb3ng h\u1ea1n:<\/p>\n<p>&#8211; <em>V\u1ec1 kh\u00e1i ni\u1ec7m \u201cv\u1ed1n ph\u00e1p \u0111\u1ecbnh\u201d c\u1ee7a NHNN trong Lu\u1eadt NHNN<\/em>. Kh\u00f4ng th\u1ec3 cho r\u1eb1ng, vi\u1ec7c quy \u0111\u1ecbnh v\u1ec1 v\u1ed1n ph\u00e1p \u0111\u1ecbnh c\u1ee7a NHNN l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp c\u1ee7a Lu\u1eadt. C\u00e0ng kh\u00f4ng th\u1ec3 v\u00ec kh\u00e1i ni\u1ec7m v\u1ed1n ph\u00e1p \u0111\u1ecbnh c\u1ee7a NHNN ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch trong Lu\u1eadt n\u00e0y, m\u00e0 nh\u1eadn \u0111\u1ecbnh nh\u01b0 t\u00e1c gi\u1ea3 l\u00e0 <strong><em>\u201cr\u1ea5t d\u1ec5 d\u1eabn t\u1edbi hi\u1ec3u sai v\u1ec1 ch\u1ee9c n\u0103ng qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc\u201d <\/em><\/strong><em>c\u1ee7a NHNN v\u1edbi ch\u1ee9c n\u0103ng kinh doanh, nh\u01b0 \u0111\u1ed1i v\u1edbi m\u1ed9t doanh nghi\u1ec7p kinh doanh thu\u1ea7n tu\u00fd<\/em>. Trong khi Lu\u1eadt \u0111\u00e3 quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng v\u1ec1 vai tr\u00f2, v\u1ecb tr\u00ed, ch\u1ee9c n\u0103ng, nhi\u1ec7m v\u1ee5, v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a NHNN, th\u00ec d\u00f9 c\u00f3 xu\u1ea5t hi\u1ec7n bao nhi\u00eau thu\u1eadt ng\u1eef v\u1ec1 kinh doanh, c\u0169ng s\u1ebd kh\u00f4ng g\u00e2y ra \u0111\u01b0\u1ee3c s\u1ef1 hi\u1ec3u sai v\u1ec1 ch\u1ee9c n\u0103ng c\u1ee7a c\u01a1 quan n\u00e0y, hu\u1ed1ng h\u1ed3 \u0111\u00e2y l\u1ea1i ch\u1eb3ng ph\u1ea3i l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m d\u00e0nh ri\u00eang cho c\u00e1c doanh nghi\u1ec7p.<\/p>\n<p>&#8211; <em>V\u1ec1 v\u1ea5n \u0111\u1ec1 thu h\u1ed3i gi\u1ea5y ph\u00e9p v\u00e0 gi\u1ea3i th\u1ec3 TCTD \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh ch\u01b0a th\u1ed1ng nh\u1ea5t gi\u1eefa hai \u0111\u1ea1o lu\u1eadt<\/em>, ch\u1ec9 l\u00e0 m\u1ed9t s\u1ef1 s\u01a1 su\u1ea5t nh\u1ecf trong thi\u1ebft k\u1ebf v\u00e0 th\u1ec3 hi\u1ec7n c\u00e2u ch\u1eef c\u1ee7a v\u0103n b\u1ea3n. T\u00e1c gi\u1ea3 cho r\u1eb1ng, quy \u0111\u1ecbnh n\u00e0y b\u1ecb r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng \u201c<strong><em>tr\u1ee9ng c\u00f3 tr\u01b0\u1edbc hay g\u00e0 c\u00f3 tr\u01b0\u1edbc<\/em><\/strong>\u201d l\u00e0 \u0111\u00e3 qu\u00e1 quan tr\u1ecdng ho\u00e1 m\u1ed9t v\u1ea5n \u0111\u1ec1 t\u1ea7m th\u01b0\u1eddng. C\u1ee9 cho \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ef1 b\u1ea5t c\u1eadp, m\u1ed9t s\u1ef1 m\u00e2u thu\u1eabn, th\u00ec c\u0169ng kh\u00f4ng h\u1ec1 g\u00e2y ra nguy c\u01a1 kh\u00f3 kh\u0103n, \u00e1ch t\u1eafc n\u00e0o tr\u00ean th\u1ef1c t\u1ebf cho Nh\u00e0 n\u01b0\u1edbc c\u0169ng nh\u01b0 cho x\u00e3 h\u1ed9i. \u0110i\u1ec1u n\u00e0y c\u0169ng gi\u1ed1ng v\u1edbi vi\u1ec7c, t\u1ea5t c\u1ea3 m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng tham gia v\u00e0o qu\u00e1 tr\u00ecnh ch\u0103n nu\u00f4i, l\u01b0u th\u00f4ng v\u00e0 ti\u00eau th\u1ee5 s\u1ea3n ph\u1ea9m \u0111\u1ec1u kh\u00f4ng c\u1ea7n quan t\u00e2m v\u00e0 kh\u00f4ng b\u1ecb ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1i vi\u1ec7c <em>g\u00e0 \u0111\u1ebb ra tr\u1ee9ng hay tr\u1ee9ng n\u1edf ra g\u00e0<\/em>.<\/p>\n<p>&#8211; <em>V\u1ec1 quy \u0111\u1ecbnh c\u00f4ng ty \u0111\u01b0\u1ee3c \u201cmua l\u1ea1i c\u1ed5 ph\u1ea7n\u201d c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p, kh\u00f4ng bi\u1ebft c\u00f3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c TCTD hay kh\u00f4ng v\u00e0 n\u1ebfu c\u00f3 th\u00ec ph\u1ea3i \u00e1p d\u1ee5ng nh\u01b0 th\u1ebf n\u00e0o?<\/em> Vi\u1ec7c n\u00e0y kh\u00f4ng th\u1ec3 \u201c\u0111\u1ed5 l\u1ed7i\u201d cho Lu\u1eadt C\u00e1c TCTD, m\u00e0 do ch\u00ednh Lu\u1eadt Doanh nghi\u1ec7p \u0111\u00e3 s\u01a1 h\u1edf khi kh\u00f4ng quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c \u201cmua l\u1ea1i c\u1ed5 ph\u1ea7n\u201d trong tr\u01b0\u1eddng h\u1ee3p v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a c\u00f4ng ty ph\u1ea3i \u0111\u01b0\u1ee3c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n ch\u1ea5p thu\u1eadn v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 trong tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty ph\u1ea3i c\u00f3 v\u1ed1n ph\u00e1p \u0111\u1ecbnh nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p ng\u00e2n h\u00e0ng, ch\u1ee9ng kho\u00e1n, b\u1ea3o hi\u1ec3m. Ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m vi\u1ec7c c\u00e1c TCTD c\u1ed5 ph\u1ea7n \u0111\u01b0\u1ee3c \u201cmua l\u1ea1i c\u1ed5 ph\u1ea7n\u201d c\u1ee7a m\u00ecnh, nh\u01b0ng v\u00ec \u0111\u00f3 ch\u00ednh l\u00e0 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p thay \u0111\u1ed5i (gi\u1ea3m) \u201cm\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7\u201d n\u00ean mu\u1ed1n l\u00e0m, th\u00ec ph\u1ea3i \u0111\u01b0\u1ee3c NHNN ch\u1ea5p thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 31, Lu\u1eadt C\u00e1c TCTD. \u0110i\u1ec1u \u0111\u00f3 c\u0169ng c\u00f3 ngh\u0129a l\u00e0, vi\u1ec7c ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n c\u00f3 \u0111\u01b0\u1ee3c mua l\u1ea1i c\u1ed5 ph\u1ea7n hay kh\u00f4ng l\u00e0 do NHNN xem x\u00e9t quy\u1ebft \u0111\u1ecbnh.<\/p>\n<p><em>&#8211; V\u1ec1 vi\u1ec7c<\/em> <em>chi\u1ebft kh\u1ea5u gi\u1ea5y t\u1edd c\u00f3 gi\u00e1<\/em>, tuy l\u00e0 m\u1ed9t quy \u0111\u1ecbnh ch\u01b0a r\u00f5 r\u00e0ng, nh\u01b0ng c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t b\u1ea5t c\u1eadp c\u1ee7a Lu\u1eadt C\u00e1c TCTD. Lu\u1eadt \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5, chi\u1ebft kh\u1ea5u l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u201c<em>theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/em>\u201d (\u0110i\u1ec1u 49). Nh\u01b0 v\u1eady, vi\u1ec7c chi\u1ebft kh\u1ea5u th\u1ebf n\u00e0o, \u0111\u1ed1i v\u1edbi lo\u1ea1i gi\u1ea5y t\u1edd g\u00ec, kh\u00f4ng d\u1eebng l\u1ea1i \u1edf ch\u1ed7, ch\u1ec9 th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a \u0110i\u1ec1u 57, Lu\u1eadt C\u00e1c TCTD, m\u00e0 c\u00f2n ph\u1ea3i th\u1ef1c hi\u1ec7n theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a NHNN. V\u1ec1 nguy\u00ean t\u1eafc, vi\u1ec7c mua b\u00e1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 d\u00e0i h\u1ea1n l\u00e0 thu\u1ed9c v\u1ec1 ph\u1ea1m vi kh\u00e1c. C\u00f2n vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng \u201cchi\u1ebft kh\u1ea5u\u201d c\u00f4ng tr\u00e1i v\u1eeba qua, th\u00ec l\u1ea1i l\u00e0 vi\u1ec7c \u0111\u01b0\u1ee3c ph\u00e9p <em>mua, b\u00e1n <\/em>theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 12, <em>Ph\u00e1p l\u1ec7nh Ph\u00e1t h\u00e0nh c\u00f4ng tr\u00e1i x\u00e2y d\u1ef1ng t\u1ed5 qu\u1ed1c <\/em>n\u0103m 1999 c\u0169ng nh\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh. Nh\u01b0 v\u1eady, s\u1ef1 thi\u1ebfu ho\u00e0n thi\u1ec7n trong vi\u1ec7c quy \u0111\u1ecbnh v\u1ec1 mua b\u00e1n, chi\u1ebft kh\u1ea5u c\u00e1c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 tr\u01b0\u1edbc h\u1ebft l\u00e0 thu\u1ed9c v\u1ec1 c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt kh\u00e1c.<\/p>\n<ol start=\"2\">\n<li>\u0110\u00fang l\u00e0 c\u00f3 t\u00ecnh tr\u1ea1ng, m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c TCTD v\u00e0 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt v\u1ec1 chuy\u00ean ng\u00e0nh ng\u00e2n h\u00e0ng m\u00e2u thu\u1eabn v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p. V\u1eady, v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0 ph\u1ea3i s\u1eeda \u0111\u1ed5i Lu\u1eadt C\u00e1c TCTD, Lu\u1eadt Doanh nghi\u1ec7p hay c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt? (v\u1ea5n \u0111\u1ec1 n\u00e0y, t\u00f4i \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong b\u00e0i vi\u1ebft \u201c<em>M\u1ed9t s\u1ed1 v\u01b0\u1edbng m\u1eafc khi tri\u1ec3n khai th\u1ef1c hi\u1ec7n Lu\u1eadt C\u00e1c TCTD v\u00e0 Lu\u1eadt Doanh nghi\u1ec7p \u0111\u1ed1i v\u1edbi c\u00e1c NHTM c\u1ed5 ph\u1ea7n<\/em>\u201d, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 1-2001).<\/li>\n<\/ol>\n<p>Kh\u00f4ng ph\u1ea3i b\u00e2y gi\u1edd m\u1edbi c\u00f3 nguy c\u01a1 \u201c<em>lo\u1ea1n v\u0103n b\u1ea3n<\/em>\u201d nh\u01b0 s\u1ef1 c\u1ea3nh b\u00e1o c\u1ee7a t\u00e1c gi\u1ea3, m\u00e0 \u0111i\u1ec1u n\u00e0y \u0111\u00e3 x\u1ea3y ra m\u1ed9t c\u00e1ch b\u1ee9c x\u00fac l\u00e2u nay, do ph\u00e1p lu\u1eadt c\u1ee7a ta c\u00f2n b\u1ea5t c\u1eadp, m\u00e2u thu\u1eabn, ch\u1ed3ng ch\u00e9o, r\u1ed1i r\u1eafm, ph\u1ee9c t\u1ea1p, ch\u1eafp v\u00e1, m\u01a1 h\u1ed3 v\u00e0 kh\u00f4ng \u0111\u1ed3ng b\u1ed9. C\u00e1c \u0111\u1ea1o lu\u1eadt h\u1ea7u nh\u01b0 m\u1edbi ch\u1ec9 d\u1eebng l\u1ea1i \u1edf m\u1ee9c \u0111\u1ed9 nguy\u00ean t\u1eafc, kh\u1ea9u hi\u1ec7u, ngh\u1ecb quy\u1ebft, \u00edt c\u00f3 gi\u00e1 tr\u1ecb tr\u00ean th\u1ef1c t\u1ebf, m\u00e0 c\u00f2n ph\u1ea3i ph\u1ee5 thu\u1ed9c, tr\u00f4ng ch\u1edd ch\u1ee7 y\u1ebfu v\u00e0o c\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh. Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 2, Lu\u1eadt Doanh nghi\u1ec7p: \u201c<em>Tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 kh\u00e1c nhau gi\u1eefa quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt n\u00e0y v\u00e0 quy \u0111\u1ecbnh c\u1ee7a <strong>lu\u1eadt chuy\u00ean ng\u00e0nh<\/strong> v\u1ec1 c\u00f9ng m\u1ed9t v\u1ea5n \u0111\u1ec1, th\u00ec \u00e1p d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a <strong>lu\u1eadt<\/strong> <strong>chuy\u00ean ng\u00e0nh<\/strong><\/em>\u201d l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft, nh\u01b0ng l\u1ea1i m\u1edbi ch\u1ec9 l\u00e0 m\u1ed9t s\u1ef1 ch\u1ea5p nh\u1eadn n\u1eeda v\u1eddi, kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1, kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u th\u1ef1c ti\u1ec5n.<\/p>\n<p>C\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh tr\u00ean, c\u00f3 th\u1ec3 k\u1ebft lu\u1eadn r\u1eb1ng, d\u00f9 Lu\u1eadt C\u00e1c TCTD c\u00f3 m\u00e2u thu\u1eabn v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p \u0111\u1ebfn \u0111\u00e2u \u0111i ch\u0103ng n\u1eefa, th\u00ec c\u0169ng kh\u00f4ng tr\u1edf th\u00e0nh l\u00fd do \u0111\u1ec3 ph\u1ea3i s\u1eeda \u0111\u1ed5i. Nh\u1ea5t l\u00e0, Lu\u1eadt Doanh nghi\u1ec7p c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t \u0111\u1ea1o lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 c\u00f4ng ty v\u00e0 doanh nghi\u1ec7p t\u01b0 nh\u00e2n, ch\u1ee9 ch\u01b0a tr\u1edf th\u00e0nh lu\u1eadt chung hay \u201clu\u1eadt g\u1ed1c\u201d v\u1ec1 doanh nghi\u1ec7p nh\u01b0 c\u00e1ch hi\u1ec3u c\u1ee7a t\u00e1c gi\u1ea3. Nh\u01b0ng v\u1ea5n \u0111\u1ec1 s\u1ebd tr\u1edf l\u00ean nan gi\u1ea3i \u1edf ch\u1ed7, n\u1ebfu hi\u1ec3u theo \u0111\u00fang c\u00e2u ch\u1eef, th\u00ec c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt v\u1ec1 chuy\u00ean ng\u00e0nh ng\u00e2n h\u00e0ng l\u1eadp t\u1ee9c b\u1ecb \u0111\u1eb7t v\u00e0o t\u00ecnh tr\u1ea1ng \u201ctr\u00ean \u0111e, d\u01b0\u1edbi b\u00faa\u201d v\u00e0 \u201cti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan\u201d. Tuy nhi\u00ean, n\u1ebfu hi\u1ec3u theo ngh\u0129a r\u1ed9ng h\u01a1n v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c tr\u1ea1ng ph\u00e1p lu\u1eadt Vi\u1ec7t Nam, th\u00ec c\u0169ng c\u00f3 th\u1ec3 xem c\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt C\u00e1c TCTD nh\u01b0 l\u00e0 m\u1ed9t b\u1ed9 ph\u1eadn c\u1ee7a <strong><em>lu\u1eadt<\/em><\/strong><em> chuy\u00ean ng\u00e0nh<\/em>.<\/p>\n<p>Trong b\u1ed1i c\u1ea3nh hi\u1ec7n t\u1ea1i c\u0169ng nhi\u1ec1u n\u0103m t\u1edbi, mu\u1ed1n gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c tr\u00ecnh tr\u1ea1ng m\u00e2u thu\u1eabn tr\u00ean, th\u00ec Lu\u1eadt Doanh nghi\u1ec7p c\u1ea7n quy \u0111\u1ecbnh \u201cm\u1ec1m\u201d v\u00e0 \u201ctho\u00e1ng\u201d h\u01a1n, ngh\u0129a l\u00e0, n\u1ebfu c\u00f3 s\u1ef1 kh\u00e1c nhau, th\u00ec s\u1ebd \u00e1p d\u1ee5ng theo <strong><em>ph\u00e1p lu\u1eadt <\/em><\/strong><em>chuy\u00ean ng\u00e0nh<\/em>, thay v\u00ec quy \u0111\u1ecbnh \u201cc\u1ee9ng\u201d l\u00e0, ch\u1ec9 \u00e1p d\u1ee5ng theo<strong><em> lu\u1eadt<\/em><\/strong><em> chuy\u00ean ng\u00e0nh <\/em>nh\u01b0 hi\u1ec7n nay<em>.<\/em><\/p>\n<ol start=\"3\">\n<li>C\u0169ng kh\u00f4ng c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 suy di\u1ec5n r\u1eb1ng, v\u00ec quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 2 n\u00f3i tr\u00ean c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p \u201c<strong><em>n\u00ean<\/em><\/strong><em> <strong>r\u1ea5t nhi\u1ec1u \u01b0u vi\u1ec7t trong Lu\u1eadt Doanh nghi\u1ec7p kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho c\u00e1c TCTD, d\u1eabn \u0111\u1ebfn s\u1ef1 tr\u00ec tr\u1ec7 trong giao l\u01b0u kinh t\u1ebf<\/strong><\/em>\u201d nh\u01b0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a t\u00e1c gi\u1ea3. \u0110\u00f4i khi, nh\u1eefng \u01b0u \u0111i\u1ec3m trong l\u0129nh v\u1ef1c n\u00e0y l\u1ea1i ch\u00ednh l\u00e0 nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a l\u0129nh v\u1ef1c kh\u00e1c. V\u1edbi t\u00ednh ch\u1ea5t \u0111\u1eb7c th\u00f9 c\u1ee7a m\u00ecnh, kh\u00f4ng bao gi\u1edd c\u00e1c TCTD v\u00e0 doanh nghi\u1ec7p kh\u00e1c l\u1ea1i c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng m\u1ed9t ch\u1ebf \u0111\u1ed9 ph\u00e1p l\u00fd nh\u01b0 nhau. N\u1ebfu c\u00f3 s\u1ef1 <em>tr\u00ec tr\u1ec7<\/em> trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang hay v\u1edbi n\u1ec1n kinh t\u1ebf n\u00f3i chung, th\u00ec l\u00e0 do nhi\u1ec1u nguy\u00ean nh\u00e2n, nh\u01b0ng s\u1ebd l\u00e0 qu\u00e1 khi\u00ean c\u01b0\u1ee1ng khi cho r\u1eb1ng, do TCTD kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng <em>r\u1ea5t nhi\u1ec1u \u01b0u vi\u1ec7t trong Lu\u1eadt Doanh nghi\u1ec7p<\/em>. Trong t\u00ecnh tr\u1ea1ng c\u00e1c TCTD c\u00f3 quy m\u00f4 c\u00f2n nh\u1ecf b\u00e9, ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng c\u00f2n y\u1ebfu k\u00e9m, th\u1ecb tr\u01b0\u1eddng c\u00f2n \u0111\u1ea7y r\u1eaby r\u1ee7i ro, ph\u00e1p lu\u1eadt c\u00f2n qu\u00e1 nhi\u1ec1u b\u1ea5t c\u1eadp nh\u01b0 hi\u1ec7n nay, th\u00ec ch\u01b0a th\u1ec3 \u00e1p d\u1ee5ng nh\u1eefng quy \u0111\u1ecbnh \u201cth\u00f4ng tho\u00e1ng\u201d, c\u00f3 t\u00ednh \u201c\u0111\u1ed9t ph\u00e1\u201d c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p. Kh\u00f4ng th\u1ec3 b\u1ecf \u0111i m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh v\u1ec1 c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n ch\u1eb7t ch\u1ebd v\u00e0 h\u1ea1n ch\u1ebf kh\u1ea3 n\u0103ng \u201ct\u1ef1 do kinh doanh\u201d, \u201ct\u1ef1 do ph\u00e1t tri\u1ec3n\u201d \u0111\u1ed1i v\u1edbi c\u00e1c TCTD ch\u1ec9 v\u00ec Lu\u1eadt Doanh nghi\u1ec7p kh\u00f4ng h\u1ea1n ch\u1ebf \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p th\u00f4ng th\u01b0\u1eddng. V\u00ed d\u1ee5, m\u1eb7c d\u00f9, Lu\u1eadt C\u00e1c TCTD kh\u00f4ng h\u1ec1 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 v\u1ea5n \u0111\u1ec1 c\u1ed5 ph\u1ea7n, nh\u01b0ng kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p v\u1ec1 lo\u1ea1i c\u1ed5 ph\u1ea7n \u01b0u \u0111\u00e3i ho\u00e0n l\u1ea1i \u0111\u1ed1i v\u1edbi TCTD, v\u00ec n\u1ebfu <em>c\u1ed5 \u0111\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i c\u1ed5 ph\u1ea7n b\u1ea5t c\u1ee9 khi n\u00e0o theo y\u00eau c\u1ea7u c\u1ee7a h\u1ecd<\/em>, th\u00ec s\u1ebd l\u1eadp t\u1ee9c tr\u00e1i v\u1edbi quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c ph\u1ea3i b\u1ea3o \u0111\u1ea3m m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh v\u00e0 v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a TCTD.<\/li>\n<\/ol>\n<p>Do v\u1eady, n\u1ebfu kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh <em>\u01b0u ti\u00ean \u00e1p d\u1ee5ng<\/em> <em>lu\u1eadt chuy\u00ean ng\u00e0nh<\/em> n\u00f3i tr\u00ean c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p, th\u00ec m\u1edbi th\u1ef1c s\u1ef1 l\u00e0 m\u1ed9t s\u1ef1 b\u1ea5t c\u1eadp v\u00e0 s\u1ebd tr\u1edf th\u00e0nh \u0111i\u1ec1u nguy hi\u1ec3m \u0111\u1ed1i v\u1edbi c\u00e1c TCTD n\u00f3i ri\u00eang v\u00e0 n\u1ec1n kinh t\u1ebf x\u00e3 h\u1ed9i n\u00f3i chung.<\/p>\n<ol start=\"4\">\n<li>T\u00e1c gi\u1ea3 cho r\u1eb1ng, vi\u1ec7c hai \u0111\u1ea1o lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng \u201c<em>\u0111i\u1ec1u ch\u1ec9nh quan h\u1ec7 v\u1ec1 t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 &#8211; m\u1ed9t quan h\u1ec7 h\u1ebft s\u1ee9c c\u1ee5 th\u1ec3 v\u00e0 c\u00f3 t\u00ednh quy lu\u1eadt \u0111\u1eb7c th\u00f9<\/em>\u201d nh\u01b0ng <em>c\u00f2n quy \u0111\u1ecbnh chung chung, kh\u00f4ng r\u00f5 r\u00e0ng, v\u00e0 kh\u00f3 t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n<\/em>\u201d do v\u1eady l\u00e0m cho v\u1ea5n \u0111\u1ec1 \u201c<em>tr\u1edf l\u00ean<\/em> <strong><em>nghi\u00eam tr\u1ecdng<\/em><\/strong>\u201d. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t nh\u1eadn \u0111\u1ecbnh kh\u00f4ng \u0111\u00fang. M\u1ed9t \u0111\u1ea1o lu\u1eadt ch\u1ec9 th\u1ef1c s\u1ef1 c\u00f3 v\u1ea5n \u0111\u1ec1 nghi\u00eam tr\u1ecdng n\u1ebfu nh\u01b0 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh sai l\u1ea7m v\u00e0 kh\u00f4ng th\u1ec3 kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c, d\u1eabn \u0111\u1ebfn nh\u1eefng h\u1eadu ho\u1ea1 cho x\u00e3 h\u1ed9i. C\u00f2n, d\u00f9 Lu\u1eadt c\u00f3 <em>chung chung, kh\u00f4ng r\u00f5 r\u00e0ng v\u00e0 kh\u00f3 t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n <\/em>\u0111\u1ebfn \u0111\u00e2u<em>, <\/em>k\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p<em> \u201ckh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c<\/em>\u201d, th\u00ec c\u0169ng s\u1ebd kh\u00f4ng v\u00ec th\u1ebf m\u00e0 tr\u1edf th\u00e0nh m\u1ed9t v\u1ea5n \u0111\u1ec1 <em>nghi\u00eam tr\u1ecdng<\/em>. V\u00ed d\u1ee5, kho\u1ea3n 4, \u0110i\u1ec1u 54, Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh: C\u00e1c TCTD \u0111\u01b0\u1ee3c \u201c<em>mua b\u00e1n n\u1ee3 theo quy \u0111\u1ecbnh c\u1ee7a NHNN\u201d <\/em>v\u00e0 \u201c<em>Vi\u1ec7c \u0111\u1ea3o n\u1ee3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7\u201d,<\/em> l\u00e0 nh\u1eefng quy \u0111\u1ecbnh r\u1ea5t chung chung, ch\u01b0a th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c, nh\u01b0ng ch\u1eb3ng v\u00ec th\u1ebf m\u00e0 <em>tr\u1edf l\u00ean nghi\u00eam tr\u1ecdng<\/em>.<\/li>\n<\/ol>\n<p>Hi\u1ec7n nay, lu\u1eadt c\u1ee7a ta h\u1ea7u nh\u01b0 ch\u1ec9 m\u1edbi d\u1eebng l\u1ea1i \u1edf nh\u1eefng quy \u0111\u1ecbnh nguy\u00ean t\u1eafc, n\u1ebfu ch\u01b0a c\u00f3 ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh, th\u00ec ch\u01b0a \u0111\u01b0\u1ee3c th\u1ef1c thi. Ngh\u0129a l\u00e0 \u0111\u1eb1ng sau c\u00e1c \u0111\u1ea1o lu\u1eadt kh\u00f4ng bao gi\u1edd c\u00f3 \u201cd\u1ea5u ch\u1ea5m h\u1ebft\u201d. Lu\u1eadt NHNN v\u00e0 Lu\u1eadt C\u00e1c TCTD c\u0169ng kh\u00f4ng \u201c\u0111\u01a1n th\u01b0\u01a1ng \u0111\u1ed9c m\u00e3\u201d, m\u00e0 ch\u00fang c\u00f2n \u0111\u01b0\u1ee3c \u201ck\u00e9o d\u00e0i\u201d, \u201cb\u1ea3o \u0111\u1ea3m\u201d v\u00e0 \u201ch\u1ed7 tr\u1ee3\u201d thi h\u00e0nh b\u1eb1ng h\u00e0ng lo\u1ea1t ph\u00e1p l\u1ec7nh, ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0,&#8230; c\u00f3 li\u00ean quan.<\/p>\n<ol start=\"5\">\n<li>T\u00e1c gi\u1ea3 cho r\u1eb1ng, \u0110i\u1ec1u 30, Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh v\u1ec1 \u0110i\u1ec1u l\u1ec7 c\u1ee7a c\u00e1c TCTD ph\u1ea3i c\u00f3 nhi\u1ec1u n\u1ed9i dung, trong \u0111\u00f3 c\u00f3 c\u1ea3 \u201c<em>quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng<\/em>\u201d,&#8230; \u0111\u00e3 \u201c<strong><em>d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 l\u00e0 kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng nh\u1eefng quy \u0111\u1ecbnh \u0111\u00f3 trong th\u1ef1c t\u1ebf, b\u1edfi khi thi h\u00e0nh g\u1eb7p c\u00e1c v\u01b0\u1edbng m\u1eafc t\u1ea5t y\u1ebfu<\/em><\/strong>\u201d. Theo t\u00f4i, c\u0169ng nh\u01b0 c\u00e1c \u0111\u1ea1o lu\u1eadt kh\u00e1c, v\u01b0\u1edbng m\u1eafc trong hai \u0111\u1ea1o lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng l\u00e0 kh\u00f4ng \u00edt, nh\u01b0ng \u1edf nhi\u1ec1u m\u1ee9c \u0111\u1ed9 kh\u00e1c nhau. C\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 ch\u1ec9 v\u01b0\u1edbng m\u1eafc v\u1ec1 nh\u1eadn th\u1ee9c, c\u00f2n th\u1ef1c t\u1ebf \u00e1p d\u1ee5ng l\u1ea1i kh\u00f4ng h\u1eb3n l\u00e0 nh\u01b0 v\u1eady v\u00e0 ng\u01b0\u1ee3c l\u1ea1i. Nh\u1eefng quy \u0111\u1ecbnh \u0111\u1ea7y \u0111\u1ee7 v\u00e0 bao qu\u00e1t v\u1ec1 n\u1ed9i dung \u0111i\u1ec1u l\u1ec7 c\u1ee7a c\u00e1c TCTD trong Lu\u1eadt C\u00e1c TCTD \u0111\u1ec3 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho m\u1ecdi lo\u1ea1i h\u00ecnh TCTD, kh\u00f4ng bao gi\u1edd c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh <em>v\u01b0\u1edbng m\u1eafc t\u1ea5t y\u1ebfu<\/em> \u0111\u1ebfn m\u1ee9c <em>kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng<\/em> \u0111\u01b0\u1ee3c. Kh\u00f4ng m\u1ed9t t\u1ed5 ch\u1ee9c hay m\u1ed9t c\u00e1 nh\u00e2n b\u00ecnh th\u01b0\u1eddng n\u00e0o l\u1ea1i b\u0103n kho\u0103n r\u1eb1ng, \u0110i\u1ec1u l\u1ec7 c\u1ee7a TCTD nh\u00e0 n\u01b0\u1edbc ph\u1ea3i c\u00f3 \u0111\u1ee7 c\u00e1c n\u1ed9i dung v\u1ec1 <em>c\u1ed5 \u0111\u00f4ng<\/em> ho\u1eb7c v\u1ec1 vi\u1ec7c <em>b\u1ea7u<\/em> H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u 30, Lu\u1eadt C\u00e1c TCTD, th\u00ec m\u1edbi l\u00e0 h\u1ee3p ph\u00e1p.<\/li>\n<li>Vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u0169ng l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 c\u1ea7n ph\u1ea3i b\u00e0n. V\u1ec1 t\u00ednh ch\u1ea5t, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 thu\u1ed9c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf ho\u1eb7c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1. V\u00ec v\u1eady khi k\u00fd k\u1ebft, th\u1ef1c hi\u1ec7n v\u00e0 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p, kh\u00f4ng th\u1ec3 t\u00e1ch kh\u1ecfi nh\u1eefng quy \u0111\u1ecbnh chung c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1. Nh\u01b0ng \u0111\u1ed3ng th\u1eddi, c\u0169ng ph\u1ea3i c\u0103n c\u1ee9 v\u00e0o nh\u1eefng quy \u0111\u1ecbnh chuy\u00ean ng\u00e0nh. Do \u0111\u00f3, kh\u00f4ng c\u00f3 g\u00ec l\u00e0 sai tr\u00e1i v\u00e0 kh\u00f3 hi\u1ec3u \u201c<em>khi c\u00e1c tranh ch\u1ea5p ph\u00e1t sinh, c\u00e1c quan h\u1ec7 tr\u00ean \u0111\u1ec1u \u0111\u01b0\u1ee3c c\u01a1 quan t\u1ed1 t\u1ee5ng xem x\u00e9t, x\u1eed l\u00fd nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch kinh t\u1ebf- d\u00e2n s\u1ef1 b\u00ecnh th\u01b0\u1eddng kh\u00e1c<\/em>\u201d. V\u00e0 \u0111i\u1ec1u \u0111\u00f3 c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 l\u00fd do \u201c<em>l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n, l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a TCTD khi thu h\u1ed3i n\u1ee3 th\u00f4ng qua ph\u00e1p lu\u1eadt<\/em>\u201d nh\u01b0 t\u00e1c gi\u1ea3 nh\u1eadn x\u00e9t. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 \u1edf ch\u1ed7, c\u00e1c c\u01a1 quan t\u1ed1 t\u1ee5ng c\u00f3 \u00e1p d\u1ee5ng \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c v\u00e0 \u0111\u00fang \u0111\u1eafn ph\u00e1p lu\u1eadt hay kh\u00f4ng.<\/li>\n<\/ol>\n<p>Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, theo quy \u0111\u1ecbnh c\u1ee7a <em>Ph\u00e1p l\u1ec7nh Th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ee5 \u00e1n kinh t\u1ebf<\/em> n\u0103m 1994, ch\u1ec9 c\u00f3 6 th\u00e1ng, trong khi th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 l\u00e0 v\u00f4 th\u1eddi h\u1ea1n, v\u00ec kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh (<em>Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1<\/em> quy \u0111\u1ecbnh l\u00e0 3 n\u0103m nh\u01b0ng \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0o 01-7-1996). Quy \u0111\u1ecbnh l\u00e0 6 th\u00e1ng, hay kh\u00f4ng c\u00f3 th\u1eddi h\u1ea1n nh\u01b0 hi\u1ec7n nay c\u0169ng \u0111\u1ec1u l\u00e0 s\u1ef1 r\u1ea5t v\u00f4 l\u00fd c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 \u0111\u00e3 t\u1ed3n t\u1ea1i nhi\u1ec1u n\u0103m nay, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp c\u1ee7a Lu\u1eadt C\u00e1c TCTD.<\/p>\n<p>N\u1ebfu c\u1ea7n quy \u0111\u1ecbnh th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, th\u00ec th\u1eddi h\u1ea1n 6 th\u00e1ng, v\u00f4 h\u1ea1n hay l\u00e0 2 n\u0103m (nh\u01b0 \u0111\u1ed1i v\u1edbi lo\u1ea1i h\u1ee3p \u0111\u1ed3ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 h\u00e0ng h\u1ea3i) l\u00e0 h\u1ee3p l\u00fd? Kh\u00f4ng ch\u1ec9 quan h\u1ec7 t\u00edn d\u1ee5ng, m\u00e0 m\u1ecdi quan h\u1ec7 kinh t\u1ebf, d\u00e2n s\u1ef1 (nh\u1ea5t l\u00e0 quan h\u1ec7 vay m\u01b0\u1ee3n), \u0111\u1ec1u c\u1ea7n c\u00f3 th\u1eddi h\u1ea1n th\u00edch h\u1ee3p, ch\u1ee9 kh\u00f4ng ph\u1ea3i \u201c<em>So v\u1edbi c\u00e1c quan h\u1ec7 giao d\u1ecbch kh\u00e1c th\u00ec quan h\u1ec7 t\u00edn d\u1ee5ng gi\u1eefa b\u00ean vay v\u00e0 b\u00ean cho vay c\u1ea7n c\u00f3 th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh \u0111\u1ec3 tho\u1ea3 thu\u1eadn v\u00e0 x\u1eed l\u00fd<\/em>\u201d nh\u01b0 nh\u1eadn x\u00e9t c\u1ee7a t\u00e1c gi\u1ea3. Ngo\u00e0i ra, c\u0169ng kh\u00f4ng tho\u1ea3 \u0111\u00e1ng khi n\u00f3i r\u1eb1ng, vi\u1ec7c kh\u1edfi ki\u1ec7n l\u00e0 \u201c<strong><em>\u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn uy t\u00edn trong kinh doanh &#8211; \u0111i\u1ec1u t\u1ed1i k\u1ef5 \u0111\u1ed1i v\u1edbi c\u00e1c TCTD<\/em><\/strong>\u201d. Trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng c\u00f3 hay kh\u00f4ng c\u00f3 \u0111\u1ecbnh h\u01b0\u1edbng XHCN, th\u00ec vi\u1ec7c kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 \u0111\u1ec1u l\u00e0 m\u1ed9t s\u1ef1 ki\u1ec7n r\u1ea5t b\u00ecnh th\u01b0\u1eddng v\u00e0 c\u1ea7n thi\u1ebft. N\u1ebfu c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn uy t\u00edn, th\u00ec ch\u1ee7 y\u1ebfu v\u00e0 tr\u01b0\u1edbc h\u1ebft l\u00e0 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi b\u1ecb ki\u1ec7n, v\u00ec s\u1ef1 b\u1ed9i t\u00edn, v\u00ec kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 vay, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 \u0111\u1ebfn m\u1ee9c \u0111\u1ed9 m\u00e0 t\u00e1c gi\u1ea3 ph\u1ea3i ch\u00fa th\u00edch th\u00eam, \u0111\u00f3 l\u00e0 <em>\u0111i\u1ec1u t\u1ed1i k\u1ef5 \u0111\u1ed1i v\u1edbi c\u00e1c TCTD<\/em>.<\/p>\n<p>L\u00fd do d\u1eabn \u0111\u1ebfn vi\u1ec7c \u0111\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng trong Lu\u1eadt C\u00e1c TCTD (ho\u1eb7c trong m\u1ed9t v\u0103n b\u1ea3n kh\u00e1c) l\u00e0 \u0111\u1ec3 tr\u00e1nh vi\u1ec7c \u00e1p d\u1ee5ng theo \u0111\u00fang th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf th\u00ec ch\u1ec9 c\u00f3 6 th\u00e1ng, s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 c\u00e1c TCTD kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3. Nh\u01b0ng \u0111\u00f3 c\u0169ng ch\u1ec9 l\u00e0 v\u1ec1 m\u1eb7t l\u00fd thuy\u1ebft, c\u00f2n tr\u00ean th\u1ef1c t\u1ebf hi\u1ec7n nay, c\u00e1c TCTD l\u1ea1i \u0111\u1eb7c bi\u1ec7t c\u00f3 l\u1ee3i, v\u00ec c\u00e1c To\u00e0 \u00e1n t\u1ea1m coi th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, d\u00f9 thu\u1ed9c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 hay kinh t\u1ebf, \u0111\u1ec1u l\u00e0 v\u00f4 th\u1eddi h\u1ea1n (n\u1ebfu trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ghi nh\u1eadn tho\u1ea3 thu\u1eadn r\u1eb1ng, c\u00f3 hi\u1ec7u l\u1ef1c cho \u0111\u1ebfn khi tr\u1ea3 h\u1ebft n\u1ee3).<\/p>\n<ol start=\"7\">\n<li>V\u1ec1 v\u1ea5n \u0111\u1ec1 h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng, t\u00e1c gi\u1ea3 \u0111\u00e3 vi\u1ebft: \u201c<em>c\u00e1ch hi\u1ec3u v\u00e0 v\u1eadn d\u1ee5ng c\u00f3 l\u00fac v\u00e0 c\u00f3 ch\u1ed7 ch\u01b0a \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 nh\u1ea5t qu\u00e1n, <strong>\u1ea3nh h\u01b0\u1edfng kh\u00f4ng nh\u1ecf \u0111\u1ebfn k\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a TCTD c\u0169ng nh\u01b0 t\u1ea1o ra d\u01b0 lu\u1eadn kh\u00f4ng t\u1ed1t, g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn uy t\u00edn c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd chuy\u00ean ng\u00e0nh<\/strong><\/em>\u201d. V\u1eady th\u1ee9c ch\u1ea5t l\u00e0 th\u1ebf n\u00e0o? V\u1ea5n \u0111\u1ec1 h\u1ea1n ch\u1ebf cho vay \u0111\u1ed1i v\u1edbi \u201cth\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb\u201d v\u00e0 \u201ck\u1ebf to\u00e1n tr\u01b0\u1edfng\u201d,&#8230; \u0111\u00fang l\u00e0 nh\u1eefng quy \u0111\u1ecbnh g\u00e2y ra s\u1ef1 tranh c\u00e3i, trao \u0111\u1ed5i. Theo <em>Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt<\/em> n\u0103m 1996, th\u00ec vi\u1ec7c gi\u1ea3i th\u00edch ch\u00ednh th\u1ee9c ph\u1ea3i thu\u1ed9c th\u1ea9m quy\u1ec1n c\u1ee7a U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i. Nh\u01b0ng do t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay, c\u01a1 quan n\u00e0y ch\u01b0a bao gi\u1edd gi\u1ea3i th\u00edch lu\u1eadt theo quy \u0111\u1ecbnh, n\u00ean c\u00f9ng b\u1ea5t \u0111\u1eafc d\u0129, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc ph\u1ea3i v\u00e0o cu\u1ed9c. T\u00f4i v\u1eabn ki\u00ean quy\u1ebft b\u1ea3o v\u1ec7 quan \u0111i\u1ec3m r\u1eb1ng, \u0111i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 77, Lu\u1eadt C\u00e1c TCTD, quy \u0111\u1ecbnh vi\u1ec7c c\u1ea5m cho vay \u0111\u1ed1i v\u1edbi th\u00e0nh vi\u00ean H\u0110QT, l\u00e0 ch\u1ec9 c\u1ea5m c\u00e1 nh\u00e2n, ch\u1ee9 kh\u00f4ng c\u1ea5m cho vay \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p c\u00f3 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n tham gia H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb c\u1ee7a ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n v\u00e0 \u0111\u1ec1 ngh\u1ecb NHNN c\u00f3 v\u0103n b\u1ea3n gi\u1ea3i th\u00edch ch\u00ednh th\u1ee9c \u0111i\u1ec1u n\u00e0y. V\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng l\u00e0 \u201ck\u1ebf to\u00e1n tr\u01b0\u1edfng\u201d, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 78, Lu\u1eadt C\u00e1c TCTD (t\u00f4i \u0111\u00e3 n\u00eau th\u1eafc m\u1eafc trong b\u00e0i vi\u1ebft tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng t\u1eeb 4-1999 n\u00f3i tr\u00ean), n\u1eb1m \u1edf \u0111i\u1ec1u kho\u1ea3n n\u00f3i v\u1ec1 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng b\u00ean ngo\u00e0i TCTD, nh\u01b0ng \u0111\u1ebfn 5-2001, l\u1ea1i \u0111\u01b0\u1ee3c NHNN gi\u1ea3i th\u00edch, \u0111\u00f3 l\u00e0 <em>k\u1ebf to\u00e1n tr\u01b0\u1edfng c\u1ee7a TCTD<\/em>. Tuy nhi\u00ean, s\u1ebd l\u00e0 thi\u1ebfu c\u01a1 s\u1edf, l\u00e0 s\u1ef1 suy di\u1ec5n qu\u00e1 xa khi nh\u1eadn \u0111\u1ecbnh r\u1eb1ng, nh\u1eefng vi\u1ec7c \u0111\u00f3 \u0111\u00e3 \u201c<em>\u1ea3nh h\u01b0\u1edfng kh\u00f4ng nh\u1ecf \u0111\u1ebfn k\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a TCTD c\u0169ng nh\u01b0 t\u1ea1o ra d\u01b0 lu\u1eadn kh\u00f4ng t\u1ed1t, g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn uy t\u00edn c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd chuy\u00ean ng\u00e0nh<\/em>\u201d.<\/li>\n<li>C\u00e1c \u0111\u1ea1o lu\u1eadt l\u00e0 \u201cb\u1ee9c tranh\u201d ph\u1ea3n \u00e1nh tr\u00ecnh \u0111\u1ed9 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf x\u00e3 h\u1ed9i. L\u00e0 nh\u1eefng v\u0103n b\u1ea3n ph\u00e1p l\u00fd c\u00f3 gi\u00e1 tr\u1ecb cao nh\u1ea5t, \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng v\u00e0 th\u00f4ng qua v\u1edbi m\u1ed9t tr\u00ecnh t\u1ef1 ph\u1ee9c t\u1ea1p, n\u00ean ch\u1ec9 nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c xem l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i \u1ed5n \u0111\u1ecbnh v\u00e0 b\u1ea3o \u0111\u1ea3m t\u00ednh khoa h\u1ecdc th\u00ec m\u1edbi \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh trong lu\u1eadt. Nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u00f2n l\u1ea1i s\u1ebd \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt. Th\u1ebf nh\u01b0ng, \u0111\u00e3 x\u1ea3y ra r\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p (trong \u0111\u00f3 kh\u00f4ng lo\u1ea1i tr\u1eeb Lu\u1eadt C\u00e1c TCTD), cho \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m s\u1eeda \u0111\u1ed5i, b\u1ed5 sung v\u00e0 thay th\u1ebf lu\u1eadt, nh\u01b0ng v\u1eabn ch\u01b0a ban h\u00e0nh \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn thi h\u00e0nh. B\u1edfi l\u1ebd, lu\u1eadt ch\u1ec9 n\u00eau ra nguy\u00ean t\u1eafc, n\u00ean bao gi\u1edd c\u0169ng d\u1ec5 h\u01a1n c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt ph\u1ea3i quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, m\u00e0 nhi\u1ec1u khi quy \u0111\u1ecbnh v\u1ec1 nguy\u00ean t\u1eafc th\u00ec coi nh\u01b0 ch\u01b0a quy \u0111\u1ecbnh g\u00ec c\u1ea3. Do \u0111\u00f3, nh\u1eefng v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp trong lu\u1eadt l\u00e0 kh\u00f3 c\u00f3 th\u1ec3 tr\u00e1nh kh\u1ecfi v\u00e0 s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng th\u1eddi gian, khi c\u00e1c quan h\u1ec7 x\u00e3 h\u1ed9i do lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh \u0111\u00e3 t\u01b0\u01a1ng \u0111\u1ed1i \u1ed5n \u0111\u1ecbnh, khi c\u00f3 s\u1ef1 thay \u0111\u1ed5i c\u01a1 b\u1ea3n v\u1ec1 c\u00e1ch th\u1ee9c l\u00e0m lu\u1eadt, khi c\u00f3 \u0111\u1ee7 chuy\u00ean gia v\u00e0 \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i ngang t\u1ea7m nhi\u1ec7m v\u1ee5,&#8230;<\/li>\n<\/ol>\n<p>Trong nh\u1eefng n\u0103m tr\u01b0\u1edbc m\u1eaft, kh\u00f4ng th\u1ec3 \u201c<strong><em>lo\u1ea1i b\u1ecf c\u00e1ch l\u1eadp ph\u00e1p<\/em>\u201d<\/strong><em> m\u00e0 trong \u0111\u00f3 c\u00f3 c\u00e1c c\u1ee5m t\u1eeb ki\u1ec3u nh\u01b0 \u201ctheo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7\u201d, \u201ctheo quy \u0111\u1ecbnh c\u1ee7a NHNN\u201d, \u201ctheo c\u00e1c quy \u0111\u1ecbnh kh\u00e1c c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d, c\u00e0ng kh\u00f4ng th\u1ec3 lo\u1ea1i b\u1ecf \u0111\u01b0\u1ee3c c\u00e1c c\u1ee5m t\u1eeb tr\u00ean \u201c<em>trong khi s\u1eeda \u0111\u1ed5i, b\u1ed5 sung hai lu\u1eadt n\u00e0y<\/em>\u201d nh\u01b0 \u0111\u1ec1 ngh\u1ecb c\u1ee7a t\u00e1c gi\u1ea3. Ch\u00fang ta ch\u1ec9 hy v\u1ecdng h\u1ea1n ch\u1ebf b\u1edbt nh\u1eefng quy \u0111\u1ecbnh chung chung nh\u01b0 tr\u00ean, nh\u1ea5t l\u00e0 v\u1edbi vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung lu\u1eadt th\u00ec kh\u00f3 c\u00f3 th\u1ec3 l\u00e0m thay \u0111\u1ed5i c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c n\u1ed9i dung v\u00e0 k\u1ebft c\u1ea5u c\u1ee7a \u0111\u1ea1o lu\u1eadt hi\u1ec7n h\u00e0nh. \u0110\u1eebng \u0111\u00f2i h\u1ecfi qu\u00e1 nhi\u1ec1u v\u00e0 k\u1ef3 v\u1ecdng v\u00e0o nh\u1eefng \u0111i\u1ec1u qu\u00e1 xa l\u1ea1 v\u1edbi th\u1ef1c t\u1ebf, kh\u00f4ng th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c. N\u1ebfu v\u1eadt li\u1ec7u v\u00e0 tr\u00ecnh \u0111\u1ed9 x\u00e2y d\u1ef1ng ph\u00e1p lu\u1eadt m\u1edbi ch\u1ec9 \u1edf t\u1ea7m l\u00e0m \u201cl\u00e1n tr\u1ea1i\u201d, \u201c\u0103n \u0111ong\u201d, th\u00ec ch\u01b0a th\u1ec3 x\u00e2y \u0111\u01b0\u1ee3c nh\u1eefng \u201ccao \u1ed1c\u201d v\u00e0 \u201cto\u00e0 th\u00e1p\u201d v\u0129nh c\u1eedu.<\/p>\n<ol start=\"9\">\n<li>T\u00e1c gi\u1ea3 \u0111\u00e3 qu\u00e1 ch\u1ee7 quan khi nh\u1eadn x\u00e9t \u201c<em>&#8230;ng\u00e0nh Ng\u00e2n h\u00e0ng t\u1ed5 ch\u1ee9c l\u1ea5y \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb trong ng\u00e0nh, nh\u01b0ng <strong>th\u1ef1c t\u1ebf \u00edt \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng.<\/strong> <strong>C\u00e1ch l\u00e0m n\u00e0y kh\u00f4ng xu\u1ea5t ph\u00e1t t\u1eeb l\u1ee3i \u00edch c\u1ee7a s\u1ed1 \u0111\u00f4ng<\/strong>, \u0111\u1ea1i di\u1ec7n cho ti\u1ebfng n\u00f3i t\u1eeb c\u01a1 s\u1edf&#8230;<\/em>\u201d. Kh\u00f4ng r\u00f5, t\u00e1c gi\u1ea3 vi\u1ebft <em>c\u00e1ch l\u00e0m n\u00e0y<\/em> l\u00e0 \u00e1m ch\u1ec9 c\u00e1i g\u00ec v\u00e0 <em>l\u1ee3i \u00edch c\u1ee7a s\u1ed1 \u0111\u00f4ng<\/em> l\u00e0 l\u1ee3i \u00edch c\u1ee7a x\u00e3 h\u1ed9i c\u1ee7a c\u00e1c doanh nghi\u1ec7p hay c\u1ee7a c\u00e1c TCTD? Trong b\u1ed1i c\u1ea3nh ph\u00e1p lu\u1eadt c\u00f2n qu\u00e1 nhi\u1ec1u b\u1ea5t c\u1eadp nh\u01b0 hi\u1ec7n nay, th\u00ec \u0111i\u1ec1u quan tr\u1ecdng l\u00e0, l\u00e0m c\u00e1ch n\u00e0o \u0111\u1ec3 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u01b0\u1ee3c nhi\u1ec1u \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p kh\u00e1c nhau, th\u1eadm ch\u00ed tr\u00e1i ng\u01b0\u1ee3c nhau, m\u00e0 kh\u00f4ng r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng \u201c\u0111\u1ebdo c\u00e0y gi\u1eefa \u0111\u01b0\u1eddng\u201d v\u00e0 \u201cl\u1eafm th\u1ea7y, nhi\u1ec1u ma\u201d? Kh\u00f4ng ai <em>l\u1ea5y \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p<\/em> m\u00e0 l\u1ea1i b\u1ecf qua c\u00e1c \u00fd ki\u1ebfn c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 kh\u1ea3 thi, nh\u01b0ng li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c bao nhi\u00eau nh\u1eefng \u00fd ki\u1ebfn lo\u1ea1i \u0111\u00f3? Ch\u1eb3ng h\u1ea1n, v\u1edbi b\u00e0i vi\u1ebft c\u1ee7a m\u00ecnh, t\u00e1c gi\u1ea3 \u0111\u00e3 nh\u1eafc l\u1ea1i m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp v\u00e0 \u0111\u01b0a ra 6 \u201cki\u1ebfn gi\u1ea3i\u201d (?) <em>\u201c\u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 l\u1eadp ph\u00e1p khi s\u1eeda \u0111\u1ed5i, b\u1ed5 sung hai Lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng<\/em>\u201d, nh\u01b0: s\u01b0u t\u1ea7m, thu th\u1eadp, nghi\u00ean c\u1ee9u, r\u00e0 so\u00e1t, h\u1ec7 th\u1ed1ng ho\u00e1 c\u00e1c \u0111\u1ec1 t\u00e0i, v\u0103n b\u1ea3n, t\u00e0i li\u1ec7u, ki\u1ebfn ngh\u1ecb,&#8230; r\u1ed3i s\u1eed d\u1ee5ng \u0111\u1ed9i ng\u0169 c\u1ed9ng t\u00e1c vi\u00ean \u201c<em>tr\u00ean tinh th\u1ea7n <strong>bi\u1ebft tr\u00e2n tr\u1ecdng tri th\u1ee9c<\/strong><\/em>\u201d. Nh\u01b0ng ti\u1ebfc r\u1eb1ng, c\u1ea3 6 \u201cki\u1ebfn gi\u1ea3i\u201d \u0111\u00f3 l\u1ea1i \u0111\u1ec1u ch\u1ec9 l\u00e0 nh\u1eefng vi\u1ec7c hi\u1ec3n nhi\u00ean, qu\u00e1 \u0111\u1ed7i th\u00f4ng th\u01b0\u1eddng m\u00e0 c\u00e1c c\u01a1 quan so\u1ea1n th\u1ea3o lu\u1eadt \u0111\u00e3, \u0111ang v\u00e0 v\u1eabn s\u1ebd l\u00e0m. Nh\u01b0 v\u1eady, b\u1eb1ng m\u1ed9t b\u00e0i g\u00f3p \u00fd kh\u00e1 d\u00e0i d\u00f2ng, v\u1edbi mong mu\u1ed1n \u0111\u00f3ng g\u00f3p v\u00e0o vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung hai \u0111\u1ea1o lu\u1eadt, b\u1ea3n th\u00e2n t\u00e1c gi\u1ea3 c\u0169ng ch\u01b0a n\u00eau ra \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp n\u00e0o v\u00e0 ch\u01b0a \u0111\u1ec1 xu\u1ea5t \u0111\u01b0\u1ee3c \u00fd ki\u1ebfn g\u00ec m\u1edbi m\u1ebb gi\u00fap cho NHNN.<\/li>\n<li>Cu\u1ed1i c\u00f9ng, t\u00e1c gi\u1ea3 \u0111\u00e3 n\u00eau ra 6 <em>giai \u0111o\u1ea1n t\u1ed5ng qu\u00e1t<\/em> c\u1ee7a ho\u1ea1t \u0111\u1ed9ng l\u1eadp ph\u00e1p (g\u1ed3m quy\u1ebft \u0111\u1ecbnh ch\u01b0\u01a1ng tr\u00ecnh x\u00e2y d\u1ef1ng lu\u1eadt, so\u1ea1n th\u1ea3o lu\u1eadt, th\u1ea9m tra, U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i cho \u00fd ki\u1ebfn, Qu\u1ed1c h\u1ed9i th\u00f4ng qua, Ch\u1ee7 t\u1ecbch N\u01b0\u1edbc c\u00f4ng b\u1ed1) v\u00e0 cho r\u1eb1ng \u201c<em>m\u1ed9t D\u1ef1 \u00e1n lu\u1eadt ch\u1ea5t l\u01b0\u1ee3ng k\u00e9m th\u00ec <strong>t\u1ea5t c\u1ea3 c\u00e1c<\/strong> <strong>giai \u0111o\u1ea1n kh\u00e1c trong quy tr\u00ecnh \u0111\u1ec1u kh\u00f4ng ph\u00e1t huy h\u1ebft \u00fd ngh\u0129a<\/strong> v\u00e0 s\u1ebd m\u1ea5t \u0111i nhi\u1ec1u th\u1eddi gian, c\u00f4ng s\u1ee9c c\u0169ng nh\u01b0 t\u00e0i ch\u00ednh qu\u1ed1c gia<\/em>\u201d. Th\u1ef1c ra, t\u1ea5t c\u1ea3 c\u00e1c kh\u00e2u so\u1ea1n th\u1ea3o, g\u00f3p \u00fd, th\u1ea9m tra, th\u00f4ng qua (tr\u01b0\u1edbc khi tr\u00ecnh ra Qu\u1ed1c h\u1ed9i) v\u00e0 cho \u00fd ki\u1ebfn c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c, b\u1ed9, ng\u00e0nh li\u00ean quan, Ch\u00ednh ph\u1ee7, c\u00e1c U\u1ef7 ban c\u1ee7a Qu\u1ed1c h\u1ed9i, U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i, B\u1ed9 Ch\u00ednh tr\u1ecb v\u00e0 \u0111\u00f4i khi c\u1ea3 Qu\u1ed1c h\u1ed9i cho \u00fd ki\u1ebfn, \u0111\u1ec1u ch\u1ec9 l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh \u0111\u1ec3 x\u00e2y d\u1ef1ng n\u00ean m\u1ed9t D\u1ef1 \u00e1n lu\u1eadt, ch\u1ee9 kh\u00f4ng ch\u1ec9 do m\u1ed9t m\u00ecnh ban so\u1ea1n th\u1ea3o ho\u1eb7c c\u01a1 quan ch\u1ee7 tr\u00ec so\u1ea1n th\u1ea3o ch\u1ecbu tr\u00e1ch nhi\u1ec7m. Trong qu\u00e1 tr\u00ecnh ph\u1ee9c t\u1ea1p tr\u00ean, c\u00f3 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 v\u01b0\u1ee3t kh\u1ecfi \u00fd ch\u00ed v\u00e0 ph\u1ea1m vi c\u1ee7a c\u00e1c c\u01a1 quan so\u1ea1n th\u1ea3o, th\u1eadm ch\u00ed, \u0111\u00f4i khi bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn c\u1ea3 nh\u1eefng \u0111i\u1ec1u r\u1ea5t b\u1ea5t h\u1ee3p l\u00fd, m\u00e0 l\u1ebd th\u01b0\u1eddng kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn.<\/li>\n<\/ol>\n<p>Cho d\u00f9 c\u00f3 hi\u1ec3u r\u1eb1ng, <em>d\u1ef1 \u00e1n lu\u1eadt<\/em> ch\u1ec9 l\u00e0 s\u1ea3n ph\u1ea9m <em>c\u1ee7a m\u1ed9t n\u00ecnh c\u01a1 quan so\u1ea1n th\u1ea3o, <\/em>th\u00ec c\u0169ng s\u1ebd l\u00e0 m\u1ed9t s\u1ef1 b\u1ea5t h\u1ee3p l\u00fd khi n\u00f3i r\u1eb1ng: n\u1ebfu <em>m\u1ed9t D\u1ef1 \u00e1n lu\u1eadt c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng k\u00e9m, th\u00ec c\u00e1c giai \u0111o\u1ea1n kh\u00e1c \u0111\u1ec1u kh\u00f4ng ph\u00e1t huy h\u1ebft \u00fd ngh\u0129a<strong>.<\/strong><\/em> B\u1edfi v\u00ec, b\u1ea5t k\u1ec3 tr\u01b0\u1eddng h\u1ee3p n\u00e0o, m\u1ed7i c\u00f4ng \u0111o\u1ea1n l\u00e0m lu\u1eadt \u0111\u1ec1u ph\u1ea3i <em>ph\u00e1t huy h\u1ebft \u00fd ngh\u0129a<\/em>, t\u00e1c d\u1ee5ng c\u1ee7a n\u00f3. Th\u1eadm ch\u00ed, \u0111\u1ec3 ho\u00e0n thi\u1ec7n m\u1ed9t \u0111\u1ea1o lu\u1eadt, n\u1ebfu ch\u1ea5t l\u01b0\u1ee3ng ch\u01b0a t\u1ed1t \u1edf giai \u0111o\u1ea1n tr\u01b0\u1edbc, th\u00ec giai \u0111o\u1ea1n sau s\u1ebd c\u00e0ng tr\u1edf n\u00ean c\u1ea7n thi\u1ebft v\u00e0 c\u00f3 \u00fd ngh\u0129a h\u01a1n.<\/p>\n<p>R\u1ed3i \u0111\u00e2y, sau khi hai \u0111\u1ea1o lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung, hy v\u1ecdng r\u1eb1ng d\u01b0 lu\u1eadn c\u0169ng nh\u01b0 t\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft n\u00f3i tr\u00ean kh\u00f4ng qu\u00e1 \u201cth\u1ea5t v\u1ecdng\u201d, kh\u00f4ng qu\u00e1 \u201cb\u1ea5t ng\u1edd\u201d v\u00e0 kh\u00f4ng ch\u1ec9 \u201c\u0111\u1ed5 t\u1ed9i\u201d cho NHNN (v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u01a1 quan ch\u1ee7 tr\u00ec so\u1ea1n th\u1ea3o), n\u1ebfu nh\u01b0 v\u1eabn c\u00f2n (m\u00e0 ch\u1eafc ch\u1eafn l\u00e0 c\u00f2n) nh\u1eefng \u201ct\u1ed3n t\u1ea1i\u201d, \u201cb\u1ea5t c\u1eadp\u201d \u0111\u00e3 \u0111\u01b0\u1ee3c v\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c ch\u1ec9 ra.<\/p>\n<p>&nbsp;<\/p>\n<p>(4.853)<\/p>\n<p><strong><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">,<\/a> Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n<p>&#8212;&#8212;<\/p>\n<p><strong><em><u>T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 11\/2001<\/u><\/em><\/strong><\/p>\n<ul>\n<li><strong>\u0110\u0103ng l\u1ea1i:<\/strong><\/li>\n<\/ul>\n<ol>\n<li><a href=\"http:\/\/thongtinphapluatdansu.wordpress.com\/2010\/07\/22\/du-l-s%E1%BB%B1-b%E1%BA%A5t-c%E1%BA%ADp-trong-vi%E1%BB%87c-u%E1%BB%B7-quy%E1%BB%81n-tham-gia-t%E1%BB%91-t%E1%BB%A5ng-c%E1%BB%A7a-cc-ngn-hng\/\">http:\/\/thongtinphapluatdansu.wordpress.com\/2010\/07\/22\/du-l-s%E1%BB%B1-b%E1%BA%A5t-c%E1%BA%ADp-trong-vi%E1%BB%87c-u%E1%BB%B7-quy%E1%BB%81n-tham-gia-t%E1%BB%91-t%E1%BB%A5ng-c%E1%BB%A7a-cc-ngn-hng\/<\/a><\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>Th\u1ef1c tr\u1ea1ng m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp trong 2 \u0111\u1ea1o lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng. (TCNH) &#8211; Trong b\u1ed1i c\u1ea3nh h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n ph\u00e1p quy c\u1ee7a n\u01b0\u1edbc ta c\u00f2n qu\u00e1 nhi\u1ec1u b\u1ea5t c\u1eadp, m\u00e2u thu\u1eabn v\u00e0 ch\u1ed3ng ch\u00e9o nh\u01b0 hi\u1ec7n nay, th\u00ec vi\u1ec7c x\u00e2y d\u1ef1ng c\u0169ng nh\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung ph\u00e1p lu\u1eadt l\u00e0 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5052,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[36],"class_list":["post-5051","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>62. 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