{"id":5057,"date":"2002-11-02T16:20:25","date_gmt":"2002-11-02T09:20:25","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5057"},"modified":"2024-11-14T15:41:11","modified_gmt":"2024-11-14T08:41:11","slug":"64-dau-la-su-bat-cap-trong-viec-uy-quyen-tham-gia-to-tung-cua-cac-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/64-dau-la-su-bat-cap-trong-viec-uy-quyen-tham-gia-to-tung-cua-cac-ngan-hang\/","title":{"rendered":"64. \u0110\u00e2u l\u00e0 s\u1ef1 b\u1ea5t c\u1eadp trong vi\u1ec7c u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng?"},"content":{"rendered":"<strong><a href=\"#_ftn1\" name=\"_ftnref1\"><\/a><\/strong><\/p>\n<h4><span style=\"color: #723918;\">\u0110\u00e2u l\u00e0 s\u1ef1 b\u1ea5t c\u1eadp trong vi\u1ec7c u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng?<\/span><\/h4>\n<h5><strong>(TCNH) &#8211; T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 7-2002 c\u00f3 b\u00e0i \u201c<em>U\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng t\u1ea1i To\u00e0 \u00e1n \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ee5 \u00e1n kinh t\u1ebf, d\u00e2n s\u1ef1 &#8211; nh\u1eefng v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp<\/em>\u201d c\u1ee7a t\u00e1c gi\u1ea3 Th\u00e1i Nguy\u00ean To\u00e0n (Vi\u1ec7n Ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n t\u1ec9nh Qu\u1ea3ng Nam), v\u1edbi m\u1ed9t s\u1ed1 n\u1ed9i dung ch\u00ednh c\u00f3 th\u1ec3 t\u00f3m t\u1eaft nh\u01b0 sau:<\/strong><\/h5>\n<p>&#8211; \u201cU\u1ef7 quy\u1ec1n\u201d l\u00e0 vi\u1ec7c ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u c\u01a1 quan \u201c<em>giao quy\u1ec1n<\/em>\u201d cho c\u1ea5p ph\u00f3 tr\u1ef1c ti\u1ebfp c\u1ee7a m\u00ecnh \u201c<em>khi kh\u00f4ng th\u1ec3 tr\u1ef1c ti\u1ebfp \u0111i\u1ec1u h\u00e0nh m\u1ecdi ho\u1ea1t \u0111\u1ed9ng<\/em>\u201d c\u1ee7a c\u01a1 quan. C\u00f2n \u201cu\u1ef7 nhi\u1ec7m\u201d l\u00e0 vi\u1ec7c ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u c\u01a1 quan \u201c<em>giao c\u00f4ng vi\u1ec7c c\u1ee5 th\u1ec3 cho c\u00e1n b\u1ed9<\/em>\u201d kh\u00e1c v\u00e0 nh\u1eefng c\u00e1n b\u1ed9 n\u00e0y \u201c<em>kh\u00f4ng c\u00f3 quy\u1ec1n nh\u00e2n danh c\u01a1 quan \u0111\u1ec3 k\u00fd v\u00e0 \u0111\u00f3ng d\u1ea5u c\u01a1 quan v\u00e0o b\u1ea5t c\u1ee9 quan h\u1ec7 giao d\u1ecbch n\u00e0o<\/em>\u201d;<\/p>\n<p>&#8211; \u201c<em>C\u00e1c c\u00e1n b\u1ed9 c\u00f4ng ch\u1ee9c t\u1eeb c\u1ea5p tr\u01b0\u1edfng, ph\u00f3 ph\u00f2ng tr\u1edf xu\u1ed1ng kh\u00f4ng c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t c\u00f4ng vi\u1ec7c n\u1ed9i t\u1ea1i c\u1ee7a c\u01a1 quan \u0111\u1ec3 \u0111\u01b0\u1ee3c Gi\u00e1m \u0111\u1ed1c u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng t\u1ea1i to\u00e0 \u00e1n gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p kinh t\u1ebf, d\u00e2n s\u1ef1<\/em>\u201d;<\/p>\n<p>&#8211; Vi\u1ec7c T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng \u0110\u1ea7u t\u01b0 v\u00e0 Ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng cho Gi\u00e1m \u0111\u1ed1c, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c c\u00e1c Chi nh\u00e1nh, tr\u01b0\u1edfng c\u00e1c Ph\u00f2ng nghi\u1ec7p v\u1ee5 v\u00e0 c\u00e1c chuy\u00ean vi\u00ean ph\u00e1p ch\u1ebf, ch\u1ebf \u0111\u1ed9 l\u00e0 \u201c<em>u\u1ef7 quy\u1ec1n tr\u00e0n lan kh\u00f4ng \u0111\u00fang theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d, g\u00e2y ra s\u1ef1 \u201c<em>\u0111\u00ecnh tr\u1ec7<\/em>\u201d, \u201c<em>phi\u1ec1n ph\u1ee9c nhi\u00eau kh\u00ea cho vi\u1ec7c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n<\/em>\u201d.<\/p>\n<h5>Nh\u01b0 v\u1eady, li\u1ec7u c\u00f3 ph\u1ea3i l\u00e2u nay c\u00e1c Ng\u00e2n h\u00e0ng v\u1eabn u\u1ef7 quy\u1ec1n sai v\u00e0 c\u00e1c c\u01a1 quan ti\u1ebfn h\u00e0nh t\u1ed1 t\u1ee5ng v\u1eabn ch\u1ea5p nh\u1eadn s\u1ef1 u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng \u201c<em>kh\u00f4ng \u0111\u00fang theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d?<\/h5>\n<p>Theo t\u00f4i, nh\u1eefng nh\u1eadn x\u00e9t tr\u00ean qu\u1ea3 l\u00e0 k\u1ef3 l\u1ea1. N\u00f3 kh\u00f4ng d\u1ef1a tr\u00ean c\u01a1 s\u1edf ph\u00e1p lu\u1eadt v\u00e0 \u0111i ng\u01b0\u1ee3c l\u1ea1i v\u1edbi \u0111\u00f2i h\u1ecfi th\u1ef1c t\u1ebf. T\u00e1c gi\u1ea3 l\u00e0 c\u00e1n b\u1ed9 c\u1ee7a m\u1ed9t c\u01a1 quan ph\u00e1p lu\u1eadt quan tr\u1ecdng nh\u01b0ng \u0111\u00e3 c\u00f3 nh\u1eefng sai l\u1ea7m ph\u00e1p l\u00fd khi vi\u1ebft v\u1ec1 m\u1ed9t ch\u1ebf \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n<ol>\n<li>Kh\u00f4ng bi\u1ebft c\u0103n c\u1ee9 v\u00e0o l\u00fd lu\u1eadn v\u00e0 quy \u0111\u1ecbnh n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt m\u00e0 T\u00e1c gi\u1ea3 l\u1ea1i cho r\u1eb1ng, kh\u00e1i ni\u1ec7m \u201cu\u1ef7 quy\u1ec1n\u201d kh\u00e1c h\u1eb3n kh\u00e1i ni\u1ec7m \u201cu\u1ef7 nhi\u1ec7m\u201d v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 c\u00f3 146 l\u1ea7n nh\u1eafc \u0111\u1ebfn t\u1eeb \u201cu\u1ef7 quy\u1ec1n\u201d m\u00e0 kh\u00f4ng m\u1ed9t l\u1ea7n n\u00e0o nh\u1eafc \u0111\u1ebfn t\u1eeb \u201cu\u1ef7 nhi\u1ec7m\u201d. Kho\u1ea3n 3, \u0110i\u1ec1u 102, B\u1ed9 lu\u1eadt n\u00e0y \u0111\u00e3 quy \u0111\u1ecbnh: \u201c<em>Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a ph\u00e1p nh\u00e2n c\u00f3 th\u1ec3 u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c thay m\u00ecnh th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 \u0111\u1ea1i di\u1ec7n<\/em>\u201d. Ng\u01b0\u1eddi kh\u00e1c \u1edf \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0 b\u1ea5t c\u1ee9 ng\u01b0\u1eddi n\u00e0o, th\u1eadm ch\u00ed c\u1ea3 ng\u01b0\u1eddi kh\u00f4ng thu\u1ed9c ph\u00e1p nh\u00e2n. V\u00ed d\u1ee5 T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 u\u1ef7 quy\u1ec1n cho m\u1ed9t lu\u1eadt s\u01b0 h\u00e0nh ngh\u1ec1 t\u1ef1 do \u0111\u1ea1i di\u1ec7n cho Ng\u00e2n h\u00e0ng m\u00ecnh tham gia t\u1ed1 t\u1ee5ng t\u1ea1i To\u00e0 \u00e1n (kh\u00e1c v\u1edbi vi\u1ec7c thu\u00ea lu\u1eadt s\u01b0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ph\u00e1p nh\u00e2n tr\u01b0\u1edbc To\u00e0 \u00e1n).<\/li>\n<\/ol>\n<p>X\u00e9t v\u1ec1 ng\u00f4n ng\u1eef th\u00f4ng th\u01b0\u1eddng th\u00ec hai kh\u00e1i ni\u1ec7m tr\u00ean c\u00f3 th\u1ec3 kh\u00e1c nhau, nh\u01b0ng v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, th\u00ec vi\u1ec7c \u201cu\u1ef7 quy\u1ec1n\u201d c\u0169ng ch\u00ednh l\u00e0 \u201cu\u1ef7 nhi\u1ec7m\u201d, l\u00e0 s\u1ef1 \u201cgiao quy\u1ec1n\u201d \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c \u201cgiao nhi\u1ec7m v\u1ee5\u201d cho ng\u01b0\u1eddi kh\u00e1c. Ch\u00ednh v\u00ec v\u1eady, trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n\u201d m\u00e0 kh\u00f4ng h\u1ec1 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng u\u1ef7 nhi\u1ec7m\u201d hay \u201cH\u1ee3p \u0111\u1ed3ng u\u1ef7 v\u1ee5\u201d (u\u1ef7 nhi\u1ec7m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5).<\/p>\n<ol start=\"2\">\n<li>Theo t\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft tr\u00ean, ch\u1ec9 c\u00f3 c\u1ea5p ph\u00f3 tr\u1ef1c ti\u1ebfp m\u1edbi \u0111\u01b0\u1ee3c th\u1ee7 tr\u01b0\u1edfng \u201cu\u1ef7 quy\u1ec1n\u201d, c\u00f2n c\u00e1c c\u1ea5p c\u00e1n b\u1ed9 kh\u00e1c kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn s\u1ef1 u\u1ef7 quy\u1ec1n v\u00ec \u201c<em>kh\u00f4ng c\u00f3 quy\u1ec1n nh\u00e2n danh c\u01a1 quan \u0111\u1ec3 k\u00fd v\u00e0 \u0111\u00f3ng d\u1ea5u c\u01a1 quan v\u00e0o b\u1ea5t c\u1ee9 quan h\u1ec7 giao d\u1ecbch n\u00e0o<\/em>\u201d. V\u1eady, c\u00e1c Ki\u1ec3m s\u00e1t vi\u00ean v\u1eabn th\u1eeba u\u1ef7 quy\u1ec1n Vi\u1ec7n tr\u01b0\u1edfng k\u00fd t\u00ean, \u0111\u00f3ng d\u1ea5u C\u01a1 quan Vi\u1ec7n ki\u1ec3m s\u00e1t v\u00e0o c\u00e1c b\u1ea3n C\u00e1o tr\u1ea1ng truy t\u1ed1 b\u1ecb c\u00e1o tr\u01b0\u1edbc To\u00e0 l\u00e0 sai ph\u00e1p lu\u1eadt hay sao?<\/li>\n<\/ol>\n<p>Trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y, c\u00f3 th\u1ec3 th\u1ea5y, c\u00e1c Tr\u01b0\u1edfng ph\u00f2ng th\u01b0\u1eddng xuy\u00ean k\u00fd th\u1eeba l\u1ec7nh T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng (\u0111\u00f3ng d\u1ea5u c\u1ee7a Ng\u00e2n h\u00e0ng), c\u00e1c V\u1ee5 tr\u01b0\u1edfng th\u01b0\u1eddng xuy\u00ean k\u00fd th\u1eeba l\u1ec7nh B\u1ed9 tr\u01b0\u1edfng (\u0111\u00f3ng d\u1ea5u c\u1ee7a B\u1ed9). Th\u1eadm ch\u00ed B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u01b0 ph\u00e1p c\u00f2n th\u1eeba u\u1ef7 quy\u1ec1n c\u1ee7a Th\u1ee7 t\u01b0\u1edbng k\u00fd T\u1edd tr\u00ecnh c\u1ee7a Ch\u00ednh ph\u1ee7 g\u1eedi Qu\u1ed1c h\u1ed9i (\u0111\u00f3ng d\u1ea5u Ch\u00ednh ph\u1ee7 ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u1ea5u c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p). Trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00e0y, h\u1ecd k\u00fd v\u0103n b\u1ea3n th\u1eeba l\u1ec7nh ho\u1eb7c th\u1eeba u\u1ef7 quy\u1ec1n (\u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n) c\u1ee7a Th\u1ee7 tr\u01b0\u1edfng c\u01a1 quan. C\u00e1c v\u0103n b\u1ea3n n\u00e0y v\u1eabn \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 c\u1ee7a Ng\u00e2n h\u00e0ng (T\u1ed5ng gi\u00e1m \u0111\u1ed1c), B\u1ed9 (B\u1ed9 tr\u01b0\u1edfng) ho\u1eb7c Ch\u00ednh ph\u1ee7 ch\u1ee9 kh\u00f4ng coi l\u00e0 v\u0103n b\u1ea3n c\u1ee7a Ph\u00f2ng (Tr\u01b0\u1edfng ph\u00f2ng), V\u1ee5 (V\u1ee5 tr\u01b0\u1edfng) ho\u1eb7c B\u1ed9 (B\u1ed9 tr\u01b0\u1edfng). N\u1ebfu c\u1ee9 theo l\u1eadp lu\u1eadn c\u1ee7a t\u00e1c gi\u1ea3 Th\u00e1i Nguy\u00ean To\u00e0n, th\u00ec nh\u1eefng v\u0103n b\u1ea3n \u0111\u00f3 \u0111\u1ec1u sai ph\u00e1p lu\u1eadt?<\/p>\n<ol start=\"3\">\n<li>N\u1ebfu cho r\u1eb1ng c\u00e1n b\u1ed9 \u201c<em>t\u1eeb c\u1ea5p tr\u01b0\u1edfng, ph\u00f3 ph\u00f2ng tr\u1edf xu\u1ed1ng kh\u00f4ng c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t c\u00f4ng vi\u1ec7c n\u1ed9i t\u1ea1i c\u1ee7a c\u01a1 quan<\/em>\u201d n\u00ean kh\u00f4ng \u0111\u01b0\u1ee3c T\u1ed5ng Gi\u00e1m u\u1ef7 quy\u1ec1n, th\u00ec t\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft tr\u00ean \u0111\u00e3 c\u00f3 s\u1ef1 m\u00e2u thu\u1eabn v\u1edbi ch\u00ednh m\u00ecnh khi \u0111\u1ec1 ngh\u1ecb T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n cho Gi\u00e1m \u0111\u1ed1c v\u00e0 Ph\u00f3 gi\u00e1m \u0111\u1ed1c c\u00e1c Chi nh\u00e1nh tham gia t\u1ed1 t\u1ee5ng. B\u1edfi trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, \u201cc\u01a1 quan\u201d l\u00e0 ph\u00e1p nh\u00e2n Ng\u00e2n h\u00e0ng, c\u00f2n Chi nh\u00e1nh ch\u1ec9 l\u00e0 m\u1ed9t b\u1ed9 ph\u1eadn c\u1ee7a c\u01a1 quan (m\u1ed9t \u0111\u01a1n v\u1ecb ph\u1ee5 thu\u1ed9c ph\u00e1p nh\u00e2n), t\u1ee9c l\u00e0 T\u1ed5ng gi\u00e1m \u0111\u1ed1c ph\u1ea3i \u201cu\u1ef7 quy\u1ec1n\u201d cho Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c (ng\u01b0\u1eddi \u201c<em>c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t c\u00f4ng vi\u1ec7c n\u1ed9i t\u1ea1i c\u1ee7a c\u01a1 quan<\/em>\u201d)<em>, <\/em>ch\u1ee9 l\u00e0m sao c\u00f3 th\u1ec3 u\u1ef7 quy\u1ec1n cho Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh (ng\u01b0\u1eddi ch\u1ec9 \u201c<em>c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t c\u00f4ng vi\u1ec7c n\u1ed9i t\u1ea1i\u201d <\/em>c\u1ee7a Chi nh\u00e1nh) \u0111\u01b0\u1ee3c.<\/li>\n<\/ol>\n<p>T\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft n\u00f3i tr\u00ean c\u00f2n \u0111\u01b0a ra nh\u1eadn x\u00e9t: Lu\u1eadt (Doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc) \u201c<em>kh\u00f4ng quy \u0111\u1ecbnh cho T\u1ed5ng gi\u00e1m \u0111\u1ed1c ho\u1eb7c gi\u00e1m \u0111\u1ed1c ph\u00e2n c\u00f4ng v\u00e0 u\u1ef7 quy\u1ec1n cho b\u1ea5t k\u1ef3 ai ngo\u00e0i c\u1ea5p ph\u00f3 c\u1ee7a m\u00ecnh l\u00e0 ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c ho\u1eb7c ph\u00f3 gi\u00e1m \u0111\u1ed1c<\/em>\u201d \u0111\u1ec3 k\u1ebft lu\u1eadn r\u1eb1ng: T\u1ed5ng Gi\u00e1m \u0111\u1ed1c ch\u1ec9 \u0111\u01b0\u1ee3c \u201cu\u1ef7 quy\u1ec1n\u201d cho c\u00e1c Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c. \u0110\u00fang l\u00e0 Lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c T\u1ed5ng gi\u00e1m \u0111\u1ed1c \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c, nh\u01b0ng ch\u1eb3ng qua \u0111\u00f3 ch\u1ec9 l\u00e0 \u0111i\u1ec1u kh\u00f4ng c\u1ea7n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn, ch\u1ee9 ho\u00e0n to\u00e0n kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c T\u1ed5ng gi\u00e1m \u0111\u1ed1c kh\u00f4ng \u0111\u01b0\u1ee3c \u201c<em>ph\u00e2n c\u00f4ng v\u00e0 \u1ee7y quy\u1ec1n<\/em>\u201d cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c.<\/p>\n<p>M\u1eb7t kh\u00e1c, trong Lu\u1eadt Doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc c\u00f3 16 l\u1ea7n nh\u1eafc \u0111\u1ebfn kh\u00e1i ni\u1ec7m \u201cu\u1ef7 quy\u1ec1n\u201d nh\u01b0ng kh\u00f4ng m\u1ed9t l\u1ea7n n\u00e0o \u0111\u1ec1 c\u1eadp \u0111\u1ebfn kh\u00e1i ni\u1ec7m \u201cu\u1ef7 nhi\u1ec7m\u201d, th\u1ebf th\u00ec T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u0169ng \u0111\u00e2u c\u00f3 \u0111\u01b0\u1ee3c ph\u00e9p \u201cu\u1ef7 nhi\u1ec7m\u201d <em>(\u201cgiao c\u00f4ng vi\u1ec7c c\u1ee5 th\u1ec3\u201d) <\/em>cho c\u00e1c c\u00e1n b\u1ed9, nh\u00e2n vi\u00ean kh\u00e1c trong doanh nghi\u1ec7p?<\/p>\n<p>N\u1ebfu c\u1ee9 hi\u1ec3u m\u1ed9t c\u00e1ch m\u00e1y m\u00f3c nh\u01b0 t\u00e1c gi\u1ea3, th\u00ec quy \u0111\u1ecbnh: \u201c<em>Ch\u1ee7 t\u1ecbch v\u00e0 c\u00e1c th\u00e0nh vi\u00ean kh\u00e1c trong H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb kh\u00f4ng \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n cho nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng ph\u1ea3i l\u00e0 th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a m\u00ecnh<\/em>\u201d t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 37, Lu\u1eadt C\u00e1c TCTD ph\u1ea3i c\u00f3 ngh\u0129a l\u00e0: Ch\u1ee7 t\u1ecbch H\u0110QT s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p u\u1ef7 quy\u1ec1n cho T\u1ed5ng gi\u00e1m \u0111\u1ed1c, Gi\u00e1m \u0111\u1ed1c ho\u1eb7c c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c ngo\u00e0i c\u00e1c th\u00e0nh vi\u00ean H\u0110QT v\u1ec1 b\u1ea5t c\u1ee9 c\u00f4ng vi\u1ec7c g\u00ec.<\/p>\n<ol start=\"4\">\n<li>Nh\u00ecn chung, nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ch\u1ebf \u0111\u1ecbnh u\u1ef7 quy\u1ec1n hi\u1ec7n nay c\u00f2n kh\u00f4ng c\u1ee5 th\u1ec3, ch\u01b0a r\u00f5 r\u00e0ng v\u00e0 thi\u1ebfu th\u1ef1c t\u1ebf. Theo tinh th\u1ea7n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 th\u00ec m\u1ecdi h\u00e0nh vi u\u1ef7 quy\u1ec1n \u0111\u1ec1u \u0111\u01b0\u1ee3c quy v\u1ec1 H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1, v\u00ec v\u1eady v\u1ec1 nguy\u00ean t\u1eafc ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u1ec1 h\u00ecnh th\u1ee9c v\u00e0 n\u1ed9i dung c\u1ee7a m\u1ed9t H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1. T\u1eeb \u0111\u00f3 ng\u01b0\u1eddi ta hi\u1ec3u r\u1eb1ng: V\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n, ngo\u00e0i ch\u1eef k\u00fd c\u1ee7a b\u00ean u\u1ef7 quy\u1ec1n ph\u1ea3i c\u00f3 c\u1ea3 ch\u1eef k\u00fd c\u1ee7a b\u00ean \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n, do \u0111\u00f3 \u0111\u00e3 g\u00e2y ra nhi\u1ec1u kh\u00f3 kh\u0103n kh\u00f4ng c\u1ea7n thi\u1ebft tr\u00ean th\u1ef1c t\u1ebf. Trong khi hi\u1ec3u r\u1ed9ng h\u01a1n v\u00e0 th\u1ef1c t\u1ebf h\u01a1n, th\u00ec h\u00e0nh vi xu\u1ea5t tr\u00ecnh v\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n \u0111\u00e3 c\u00f3 gi\u00e1 tr\u1ecb thay cho ch\u1eef k\u00fd c\u1ee7a h\u1ecd. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 th\u1ebf l\u00e0 vi\u1ec7c th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng, v\u1ed1n d\u0129 ch\u1ec9 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 th\u1ef1c hi\u1ec7n H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, nh\u01b0ng hi\u1ec7n nay \u0111\u00e3 b\u1ecb g\u1ecdi t\u00ean v\u00e0 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh nh\u01b0 l\u00e0 m\u1ed9t H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 ho\u00e0n ch\u1ec9nh. T\u1eeb \u0111\u00f3 \u0111\u00e3 k\u00e9o theo nh\u1eefng s\u1ef1 phi\u1ec1n ph\u1ee9c v\u00e0 r\u00e0ng bu\u1ed9c ph\u00e1p l\u00fd kh\u00f4ng c\u1ea7n thi\u1ebft. Th\u1ebf m\u1edbi c\u00f3 chuy\u1ec7n, \u0111\u00f4i khi c\u00f9ng m\u1ed9t s\u1ef1 vi\u1ec7c nh\u01b0 nhau, To\u00e0 n\u00e0y b\u1ea3o sai, To\u00e0 kia n\u00f3i \u0111\u00fang, To\u00e0 kh\u00e1c l\u1ea1i ph\u00e1n r\u1eb1ng \u201cx\u1eed ki\u1ec3u g\u00ec c\u0169ng \u0111\u01b0\u1ee3c\u201d.<\/li>\n<\/ol>\n<h5>Ph\u00e1p lu\u1eadt c\u0169ng ch\u01b0a quy \u0111\u1ecbnh r\u00f5 v\u00e0 th\u1ed1ng nh\u1ea5t v\u1ec1 c\u00e1c ch\u1ee7 th\u1ec3 u\u1ef7 quy\u1ec1n v\u00e0 \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p d\u01b0\u1edbi \u0111\u00e2y:<\/h5>\n<p><em>Th\u1ee9 nh\u1ea5t,<\/em> vi\u1ec7c u\u1ef7 quy\u1ec1n gi\u1eefa ph\u00e1p nh\u00e2n v\u1edbi ph\u00e1p nh\u00e2n: Ph\u00e1p nh\u00e2n n\u00e0y u\u1ef7 quy\u1ec1n cho ph\u00e1p nh\u00e2n kh\u00e1c hay ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a ph\u00e1p nh\u00e2n n\u00e0y u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a ph\u00e1p nh\u00e2n kh\u00e1c;<\/p>\n<p><em>Th\u1ee9 hai,<\/em> vi\u1ec7c u\u1ef7 quy\u1ec1n gi\u1eefa ph\u00e1p nh\u00e2n v\u1edbi t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n: Ph\u00e1p nh\u00e2n n\u00e0y u\u1ef7 quy\u1ec1n cho t\u1ed5 ch\u1ee9c kh\u00e1c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n (nh\u01b0: Doanh nghi\u1ec7p t\u01b0 nh\u00e2n, C\u00f4ng ty h\u1ee3p danh, m\u1ed9t \u0111\u01a1n v\u1ecb ph\u1ee5 thu\u1ed9c c\u1ee7a ph\u00e1p nh\u00e2n) hay ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a ph\u00e1p nh\u00e2n n\u00e0y u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c kh\u00f4ng c\u00f3 t\u01b0\u00a0 c\u00e1ch ph\u00e1p nh\u00e2n;<\/p>\n<p><em>Th\u1ee9 ba,<\/em> vi\u1ec7c u\u1ef7 quy\u1ec1n gi\u1eefa ph\u00e1p nh\u00e2n v\u1edbi c\u00e1 nh\u00e2n: Ph\u00e1p nh\u00e2n u\u1ef7 quy\u1ec1n cho c\u00e1 nh\u00e2n (thu\u1ed9c ho\u1eb7c kh\u00f4ng thu\u1ed9c ph\u00e1p nh\u00e2n \u0111\u00f3) hay ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a ph\u00e1p nh\u00e2n u\u1ef7 quy\u1ec1n cho c\u00e1 nh\u00e2n.<\/p>\n<p>V\u1ea5n \u0111\u1ec1 tr\u00ean c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 vi\u1ec7c ch\u01b0a c\u00f3 s\u1ef1 ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng v\u00e0 h\u1ee3p l\u00fd gi\u1eefa c\u00e1c lo\u1ea1i v\u0103n b\u1ea3n c\u1ee7a B\u1ed9 tr\u01b0\u1edfng v\u00e0 v\u0103n b\u1ea3n c\u1ee7a B\u1ed9. Do \u0111\u00f3, trong c\u00f9ng m\u1ed9t \u0111\u1ea1o lu\u1eadt v\u1eabn th\u01b0\u1eddng th\u1ea5y, \u0111i\u1ec1u lu\u1eadt n\u00e0y th\u00ec vi\u1ebft \u201c<em>theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9<\/em>\u201d nh\u01b0ng \u0111i\u1ec1u lu\u1eadt kh\u00e1c th\u00ec l\u1ea1i vi\u1ebft \u201c<em>theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 tr\u01b0\u1edfng<\/em>\u201d. Ho\u1eb7c Th\u00f4ng t\u01b0 \u0111\u01b0\u1ee3c kh\u1eb3ng \u0111\u1ecbnh l\u00e0 v\u0103n b\u1ea3n c\u1ee7a B\u1ed9 tr\u01b0\u1edfng nh\u01b0ng Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 v\u0103n b\u1ea3n c\u1ee7a c\u00e1c B\u1ed9 ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 c\u1ee7a c\u00e1c B\u1ed9 tr\u01b0\u1edfng?!<\/p>\n<p>C\u0169ng li\u00ean quan \u0111\u1ebfn vi\u1ec7c u\u1ef7 quy\u1ec1n, tr\u00ean th\u1ef1c t\u1ebf hi\u1ec7n nay, nhi\u1ec1u Ng\u00e2n h\u00e0ng TMCP v\u00e0 c\u01a1 quan ph\u00e1p lu\u1eadt v\u1eabn c\u00f2n ph\u00e2n v\u00e2n khi x\u00e1c \u0111\u1ecbnh t\u01b0 c\u00e1ch c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a Ng\u00e2n h\u00e0ng \u0111\u1ec3 tham gia t\u1ed1 t\u1ee5ng. V\u00ec kho\u1ea3n 1, \u0110i\u1ec1u 31, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 166\/1999\/N\u0110-CP ng\u00e0y 19-11-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Ch\u1ebf \u0111\u1ed9 t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi c\u00e1c TCTD quy \u0111\u1ecbnh: T\u1ed5ng Gi\u00e1m \u0111\u1ed1c l\u00e0 ng\u01b0\u1eddi \u201c<em>\u0111\u1ea1i di\u1ec7n <strong>ph\u00e1p nh\u00e2n<\/strong> c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>\u201d; kho\u1ea3n 5, \u0110i\u1ec1u 55, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 49\/2000\/N\u0110-CP ng\u00e0y 12-9-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 T\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i; kho\u1ea3n 5, \u0110i\u1ec1u 30, Quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a H\u0110QT, Ban ki\u1ec3m so\u00e1t, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng TMCP c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1087\/2001\/Q\u0110-NHNN ng\u00e0y 27-8-2001 v\u00e0 kho\u1ea3n 5, \u0110i\u1ec1u 54, M\u1eabu \u0110i\u1ec1u l\u1ec7 c\u1ee7a Ng\u00e2n h\u00e0ng TMCP, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 383\/2002\/Q\u0110-NHNN ng\u00e0y 24-4-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u1ec1u quy \u0111\u1ecbnh: T\u1ed5ng Gi\u00e1m \u0111\u1ed1c l\u00e0 ng\u01b0\u1eddi \u201c<em>\u0111\u1ea1i di\u1ec7n cho ng\u00e2n h\u00e0ng trong quan h\u1ec7 qu\u1ed1c t\u1ebf, t\u1ed1 t\u1ee5ng, tranh ch\u1ea5p, gi\u1ea3i th\u1ec3, ph\u00e1 s\u1ea3n<\/em>\u201d. Trong khi \u0111\u00f3, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 49\/2000\/N\u0110-CP th\u00ec kh\u00f4ng quy \u0111\u1ecbnh ai l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a Ng\u00e2n h\u00e0ng TMCP, c\u00f2n kho\u1ea3n 3, \u0110i\u1ec1u 9, Quy \u0111\u1ecbnh s\u1ed1 1087 v\u00e0 kho\u1ea3n 1, \u0110i\u1ec1u 46, M\u1eabu \u0110i\u1ec1u l\u1ec7 n\u00f3i tr\u00ean th\u00ec l\u1ea1i quy \u0111\u1ecbnh: \u201c<em>Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo <strong>ph\u00e1p lu\u1eadt<\/strong>\u201d <\/em>v\u00e0 \u0111\u01b0\u1ee3c ghi v\u00e0o \u0110i\u1ec1u l\u1ec7 c\u1ee7a Ng\u00e2n h\u00e0ng TMCP. Nh\u01b0 v\u1eady ngo\u00e0i T\u1ed5ng Gi\u00e1m \u0111\u1ed1c ra, li\u1ec7u Ch\u1ee7 t\u1ecbch H\u0110QT c\u00f3 v\u1eabn l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n cho Ng\u00e2n h\u00e0ng TMCP trong quan h\u1ec7 t\u1ed1 t\u1ee5ng? V\u00ec \u201c<em>tham gia t\u1ed1 t\u1ee5ng<\/em>\u201d l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ed9i dung c\u01a1 b\u1ea3n v\u00e0 t\u1ea5t y\u1ebfu c\u1ee7a vi\u1ec7c <em>\u201c\u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt<\/em>\u201d. Kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u00e0 kh\u00f4ng c\u00f3 l\u00fd g\u00ec t\u01b0\u1edbc \u0111i quy\u1ec1n \u0111\u1ed3ng th\u1eddi l\u00e0 ngh\u0129a v\u1ee5 n\u00e0y c\u1ee7a Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb, ng\u01b0\u1eddi \u201c\u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt\u201d c\u1ee7a Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n.<\/p>\n<ol start=\"5\">\n<li>Vi\u1ec7c u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng c\u1ea7n ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n. Tuy nhi\u00ean, c\u0103n c\u1ee9 v\u00e0o kho\u1ea3n 2, \u0110i\u1ec1u 22 (Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n do \u0111\u01b0\u01a1ng s\u1ef1 u\u1ef7 quy\u1ec1n) c\u1ee7a Ph\u00e1p l\u1ec7nh Th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ee5 \u00e1n d\u00e2n s\u1ef1 n\u0103m 1989; kho\u1ea3n 3, \u0110i\u1ec1u 20 (C\u00e1c \u0111\u01b0\u01a1ng s\u1ef1) c\u1ee7a Ph\u00e1p l\u1ec7nh Th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ee5 \u00e1n kinh t\u1ebf n\u0103m 1994; c\u00e1c \u0110i\u1ec1u 100 (V\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n, chi nh\u00e1nh c\u1ee7a ph\u00e1p nh\u00e2n), \u0110i\u1ec1u 102 (\u0110\u1ea1i di\u1ec7n c\u1ee7a ph\u00e1p nh\u00e2n), \u0110i\u1ec1u 588 (U\u1ef7 quy\u1ec1n l\u1ea1i) c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 v\u00e0 C\u00f4ng v\u0103n s\u1ed1 81\/2000\/KHXX ng\u00e0y 03-7-2000 c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao v\u1ec1 vi\u1ec7c u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng t\u1ea1i To\u00e0 \u00e1n nh\u00e2n d\u00e2n (c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng), th\u00ec hi\u1ec7n nay c\u00e1c Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 u\u1ef7 quy\u1ec1n cho c\u00e1c Chi nh\u00e1nh tham gia t\u1ed1 t\u1ee5ng t\u1ea1i To\u00e0 \u00e1n theo m\u1ed9t trong c\u00e1c c\u00e1ch th\u1ee9c ch\u1ee7 y\u1ebfu nh\u01b0 sau:<\/li>\n<\/ol>\n<p><em>Th\u1ee9 nh\u1ea5t,<\/em> Ng\u00e2n h\u00e0ng (T\u1ed5ng Gi\u00e1m \u0111\u1ed1c) u\u1ef7 quy\u1ec1n cho c\u00e1c Chi nh\u00e1nh c\u1ee7a Ng\u00e2n h\u00e0ng tham gia t\u1ed1 t\u1ee5ng: Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ch\u1ec9 c\u00f3 Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh l\u00e0 ng\u01b0\u1eddi c\u00f3 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng;<\/p>\n<p><em>Th\u1ee9 hai,<\/em> Ng\u00e2n h\u00e0ng (T\u1ed5ng Gi\u00e1m \u0111\u1ed1c) u\u1ef7 quy\u1ec1n cho Gi\u00e1m \u0111\u1ed1c, Ph\u00f3 gi\u00e1m \u0111\u1ed1c ho\u1eb7c m\u1ed9t s\u1ed1 c\u00e1n b\u1ed9 c\u1ee5 th\u1ec3 kh\u00e1c c\u1ee7a Chi nh\u00e1nh Ng\u00e2n h\u00e0ng tham gia t\u1ed1 t\u1ee5ng: Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ch\u1ec9 c\u00f3 nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n \u0111\u00edch danh (l\u00e0 Gi\u00e1m \u0111\u1ed1c, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c ho\u1eb7c m\u1ed9t s\u1ed1 c\u00e1n b\u1ed9 c\u1ee5 th\u1ec3 kh\u00e1c) m\u1edbi c\u00f3 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng;<\/p>\n<p><em>Th\u1ee9 ba,<\/em> Ng\u00e2n h\u00e0ng (T\u1ed5ng Gi\u00e1m \u0111\u1ed1c) u\u1ef7 quy\u1ec1n cho Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh c\u1ee7a Ng\u00e2n h\u00e0ng v\u00e0 cho ph\u00e9p Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh u\u1ef7 quy\u1ec1n l\u1ea1i cho m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c tham gia t\u1ed1 t\u1ee5ng: Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u01b0\u1eddi tham gia t\u1ed1 t\u1ee5ng c\u00f3 th\u1ec3 l\u00e0 Gi\u00e1m \u0111\u1ed1c, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c ho\u1eb7c nh\u1eefng c\u00e1n b\u1ed9 kh\u00e1c theo s\u1ef1 u\u1ef7 quy\u1ec1n l\u1ea1i c\u1ee7a Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh.<\/p>\n<p>Nh\u01b0 v\u1eady, vi\u1ec7c u\u1ef7 quy\u1ec1n c\u1ee7a T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng \u0110\u1ea7u t\u01b0 v\u00e0 Ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam (k\u1ebft h\u1ee3p gi\u1eefa c\u00e1ch th\u1ee9c th\u1ee9 hai v\u00e0 th\u1ee9 ba) l\u00e0 ho\u00e0n to\u00e0n \u0111\u00fang v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<ol start=\"6\">\n<li>Ngo\u00e0i ra, vi\u1ec7c tham gia t\u1ed1 t\u1ee5ng c\u00f2n bao h\u00e0m c\u00e1c n\u1ed9i dung quan tr\u1ecdng nh\u01b0 vi\u1ec7c kh\u1edfi ki\u1ec7n v\u1ee5 \u00e1n v\u00e0 cung c\u1ea5p nh\u1eefng v\u0103n b\u1ea3n tr\u1ea3 l\u1eddi To\u00e0 \u00e1n. Theo h\u01b0\u1edbng d\u1eabn t\u1ea1i C\u00f4ng v\u0103n s\u1ed1 81\/2000\/KHXX n\u00f3i tr\u00ean c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao, th\u00ec m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng \u0111\u1ec1u c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n. Tuy nhi\u00ean, c\u00f3 ba tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 y\u1ebfu s\u1ebd x\u1ea3y ra:<\/li>\n<\/ol>\n<p><em>Th\u1ee9 nh\u1ea5t,<\/em> T\u1ed5ng gi\u00e1m \u0111\u1ed1c u\u1ef7 quy\u1ec1n cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 ch\u1eef k\u00fd \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f3ng d\u1ea5u c\u1ee7a Ng\u00e2n h\u00e0ng, th\u00ec \u0110\u01a1n kh\u1edfi ki\u1ec7n s\u1ebd \u0111\u01b0\u1ee3c \u0111\u00f3ng d\u1ea5u c\u1ee7a ph\u00e1p nh\u00e2n Ng\u00e2n h\u00e0ng;<\/p>\n<p><em>Th\u1ee9 hai,<\/em> T\u1ed5ng gi\u00e1m \u0111\u1ed1c u\u1ef7 quy\u1ec1n cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 ch\u1eef k\u00fd \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f3ng d\u1ea5u c\u1ee7a Chi nh\u00e1nh, th\u00ec \u0110\u01a1n kh\u1edfi ki\u1ec7n s\u1ebd \u0111\u01b0\u1ee3c \u0111\u00f3ng d\u1ea5u c\u1ee7a Chi nh\u00e1nh;<\/p>\n<p><em>Th\u1ee9 ba,<\/em> T\u1ed5ng gi\u00e1m \u0111\u1ed1c u\u1ef7 quy\u1ec1n cho m\u1ed9t c\u00e1n b\u1ed9, nh\u00e2n vi\u00ean kh\u00e1c m\u00e0 ch\u1eef k\u00fd c\u1ee7a h\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f3ng d\u1ea5u c\u1ee7a Ng\u00e2n h\u00e0ng ho\u1eb7c c\u1ee7a Chi nh\u00e1nh, th\u00ec \u0110\u01a1n kh\u1edfi ki\u1ec7n c\u1ee7a ph\u00e1p nh\u00e2n Ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f3ng b\u1ea5t k\u1ef3 con d\u1ea5u n\u00e0o.<\/p>\n<p>V\u1eady tr\u01b0\u1eddng h\u1ee3p n\u00e0o c\u00e1c \u0110\u01a1n kh\u1edfi ki\u1ec7n, v\u0103n b\u1ea3n gi\u1ea3i tr\u00ecnh, \u0111\u1ec1 ngh\u1ecb,&#8230; c\u1ee7a Ng\u00e2n h\u00e0ng g\u1eedi cho To\u00e0 \u00e1n trong qu\u00e1 tr\u00ecnh tham gia t\u1ed1 t\u1ee5ng s\u1ebd \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn v\u00e0 tr\u01b0\u1eddng h\u1ee3p n\u00e0o s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn, khi kh\u00f4ng c\u00f3 con d\u1ea5u c\u1ee7a c\u01a1 quan, \u0111\u01a1n v\u1ecb \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd c\u1ee7a c\u00e1c v\u0103n b\u1ea3n, nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 62-CP ng\u00e0y 22-9-1993 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng con d\u1ea5u?<\/p>\n<ol start=\"7\">\n<li>Cu\u1ed1i c\u00f9ng, n\u1ebfu c\u1ee9 y\u00eau c\u1ea7u Gi\u00e1m \u0111\u1ed1c, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c, th\u1eadm ch\u00ed T\u1ed5ng gi\u00e1m \u0111\u1ed1c ho\u1eb7c Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c ph\u1ea3i tr\u1ef1c ti\u1ebfp tham gia t\u1ed1 t\u1ee5ng th\u00ec h\u1ecd c\u0169ng ch\u01b0a ch\u1eafc \u0111\u00e3 t\u1ef1 quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ecdi v\u1ea5n \u0111\u1ec1 \u0111\u1ec3 tr\u00e1nh g\u00e2y ra s\u1ef1 \u201c<em>\u0111\u00ecnh tr\u1ec7<\/em>\u201d, \u201c<em>phi\u1ec1n ph\u1ee9c nhi\u00eau kh\u00ea cho vi\u1ec7c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n<\/em>\u201d. V\u00ec theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 theo c\u01a1 ch\u1ebf c\u1ee7a nhi\u1ec1u Ng\u00e2n h\u00e0ng hi\u1ec7n nay, th\u00ec trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, Gi\u00e1m \u0111\u1ed1c ho\u1eb7c T\u1ed5ng Gi\u00e1m \u0111\u1ed1c c\u0169ng kh\u00f4ng th\u1ec3 t\u1ef1 quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c vi\u1ec7c mi\u1ec5n, gi\u1ea3m l\u00e3i, xo\u00e1 n\u1ee3,\u2026 \u0111\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng, ho\u00e0 gi\u1ea3i trong qu\u00e1 tr\u00ecnh tham gia t\u1ed1 t\u1ee5ng nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p kh\u00e1c.<\/li>\n<\/ol>\n<p>H\u01a1n th\u1ebf n\u1eefa, ngo\u00e0i vi\u1ec7c \u0111\u00e3 u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c tham gia t\u1ed1 t\u1ee5ng nh\u01b0 tr\u00ean, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c v\u00e0 Gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh v\u1eabn c\u00f3 th\u1ec3 tr\u1ef1c ti\u1ebfp tham gia t\u1ed1 t\u1ee5ng \u1edf b\u1ea5t k\u1ef3 giai \u0111o\u1ea1n n\u00e0o khi mu\u1ed1n v\u00e0 khi c\u1ea7n thi\u1ebft.<\/p>\n<p>Do d\u00f3, vi\u1ec7c u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng c\u1ee7a Ng\u00e2n h\u00e0ng \u0110\u1ea7u t\u01b0 v\u00e0 Ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam n\u00f3i ri\u00eang c\u0169ng nh\u01b0 vi\u1ec7c u\u1ef7 quy\u1ec1n c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng n\u00f3i chung hi\u1ec7n nay c\u00f3 th\u1ec3 l\u00e0 \u201ctr\u00e0n lan\u201d theo quan \u0111i\u1ec3m c\u1ee7a t\u00e1c gi\u1ea3 n\u00f3i tr\u00ean, nh\u01b0ng \u0111\u1ed1i v\u1edbi th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng hi\u1ec7n nay, th\u00ec \u0111\u00f3 l\u00e0 m\u1ed9t s\u1ef1 m\u1edf r\u1ed9ng r\u1ea5t c\u1ea7n thi\u1ebft, h\u1ee3p l\u00fd v\u00e0 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p>H\u00e0 N\u1ed9i 8-2002<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>\u0110\u0103ng l\u1ea1i:<\/strong><\/li>\n<\/ul>\n<ol>\n<li><a href=\"https:\/\/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\/\">https:\/\/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<li><a href=\"http:\/\/sunlaw.com.vn\/news\/dau-la-su-bat-cap-trong-viec-uy-quyen-tham-gia-to-tung-cua-cac-ngan-hang-.aspx\">http:\/\/sunlaw.com.vn\/news\/dau-la-su-bat-cap-trong-viec-uy-quyen-tham-gia-to-tung-cua-cac-ngan-hang-.aspx<\/a><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 15,\u00a0 Lu\u1eadt DNNN quy \u0111\u1ecbnh: \u201c<em>Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 quy\u1ebft \u0111\u1ecbnh th\u00e0nh l\u1eadp ho\u1eb7c u\u1ef7 quy\u1ec1n cho B\u1ed9 tr\u01b0\u1edfng B\u1ed9 qu\u1ea3n l\u00fd ng\u00e0nh, Ch\u1ee7 t\u1ecbch U\u1ef7 ban nh\u00e2n d\u00e2n t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c trung \u01b0\u01a1ng quy\u1ebft \u0111\u1ecbnh th\u00e0nh l\u1eadp c\u00e1c t\u1ed5ng c\u00f4ng ty nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc \u0111\u1ed9c l\u1eadp c\u00f3 quy m\u00f4 l\u1edbn ho\u1eb7c quan tr\u1ecdng<\/em>\u201d<\/p>\n<p>Kho\u1ea3n 3, \u0110i\u1ec1u 96, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: \u201c<em>Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt ho\u1eb7c ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo u\u1ef7 quy\u1ec1n c\u1ee7a ph\u00e1p nh\u00e2n nh\u00e2n danh ph\u00e1p nh\u00e2n trong quan h\u1ec7 d\u00e2n s\u1ef1<\/em>\u201d.<\/p>\n<p>\u0110i\u1ec1u 100, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1:<\/p>\n<p>\u201c<em>1- Ph\u00e1p nh\u00e2n c\u00f3 th\u1ec3 \u0111\u1eb7t v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n, chi nh\u00e1nh \u1edf n\u01a1i kh\u00e1c v\u1edbi n\u01a1i \u0111\u1eb7t tr\u1ee5 s\u1edf c\u1ee7a ph\u00e1p nh\u00e2n.<\/em><\/p>\n<p><em>2- V\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n l\u00e0 \u0111\u01a1n v\u1ecb ph\u1ee5 thu\u1ed9c c\u1ee7a ph\u00e1p nh\u00e2n, c\u00f3 nhi\u1ec7m v\u1ee5 \u0111\u1ea1i di\u1ec7n theo u\u1ef7 quy\u1ec1n cho l\u1ee3i \u00edch c\u1ee7a ph\u00e1p nh\u00e2n v\u00e0 th\u1ef1c hi\u1ec7n vi\u1ec7c b\u1ea3o v\u1ec7 c\u00e1c l\u1ee3i \u00edch \u0111\u00f3.<\/em><\/p>\n<p><em>3- Chi nh\u00e1nh l\u00e0 \u0111\u01a1n v\u1ecb ph\u1ee5 thu\u1ed9c c\u1ee7a ph\u00e1p nh\u00e2n, c\u00f3 nhi\u1ec7m v\u1ee5 th\u1ef1c hi\u1ec7n to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n ch\u1ee9c n\u0103ng c\u1ee7a ph\u00e1p nh\u00e2n, k\u1ec3 c\u1ea3 ch\u1ee9c n\u0103ng \u0111\u1ea1i di\u1ec7n theo u\u1ef7 quy\u1ec1n.<\/em><\/p>\n<p><em>4- V\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n, chi nh\u00e1nh kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e1p nh\u00e2n. Ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n, chi nh\u00e1nh th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 theo u\u1ef7 quy\u1ec1n c\u1ee7a ph\u00e1p nh\u00e2n.<\/em>\u201d<\/p>\n<p>Kho\u1ea3n 3, \u0110i\u1ec1u 102, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: \u201c<em>Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a ph\u00e1p nh\u00e2n c\u00f3 th\u1ec3 u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c thay m\u00ecnh th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 \u0111\u1ea1i di\u1ec7n<\/em>\u201d.<\/p>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 117, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: Ch\u1ee7 h\u1ed9 gia \u0111\u00ecnh \u201c<em>c\u00f3 th\u1ec3 u\u1ef7 quy\u1ec1n cho th\u00e0nh vi\u00ean kh\u00e1c \u0111\u00e3 th\u00e0nh ni\u00ean l\u00e0m \u0111\u1ea1i di\u1ec7n c\u1ee7a h\u1ed9 trong quan h\u1ec7 d\u00e2n s\u1ef1<\/em>\u201d.<\/p>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 122, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: \u201c<em>T\u1ed5 tr\u01b0\u1edfng t\u1ed5 h\u1ee3p t\u00e1c c\u00f3 th\u1ec3 u\u1ef7 quy\u1ec1n cho t\u1ed5 vi\u00ean th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 c\u00f4ng vi\u1ec7c nh\u1ea5t \u0111\u1ecbnh c\u1ea7n thi\u1ebft cho t\u1ed5<\/em>\u201d.<\/p>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 152, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: \u201c<em>C\u00e1 nh\u00e2n, ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a ph\u00e1p nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c c\u00f3 th\u1ec3 u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y nh\u00e2n danh m\u00ecnh x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n giao d\u1ecbch d\u00e2n s\u1ef1<\/em>.\u201d<\/p>\n<p>\u0110i\u1ec1u 588, B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1<\/p>\n<p>\u201c<em>B\u00ean \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n ch\u1ec9 \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n l\u1ea1i cho ng\u01b0\u1eddi th\u1ee9 ba, n\u1ebfu \u0111\u01b0\u1ee3c b\u00ean u\u1ef7 quy\u1ec1n \u0111\u1ed3ng \u00fd ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh.<\/em><\/p>\n<p><em>H\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n l\u1ea1i c\u0169ng ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n ban \u0111\u1ea7u.<\/em><\/p>\n<p><em>Vi\u1ec7c u\u1ef7 quy\u1ec1n l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi u\u1ef7 quy\u1ec1n ban \u0111\u1ea7u<\/em>\u201d.<\/p>\n<p>Kho\u1ea3n 3, \u0110i\u1ec1u 81, Lu\u1eadt Doanh nghi\u1ec7p: \u201c<em>Tr\u01b0\u1eddng h\u1ee3p Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb v\u1eafng m\u1eb7t ho\u1eb7c m\u1ea5t kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 \u0111\u01b0\u1ee3c giao, th\u00ec th\u00e0nh vi\u00ean \u0111\u01b0\u1ee3c Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb u\u1ef7 quy\u1ec1n s\u1ebd th\u1ef1c hi\u1ec7n c\u00e1c quy\u1ec1n v\u00e0 nhi\u1ec7m v\u1ee5 c\u1ee7a Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb<\/em>\u201d.<\/p>\n<p>&nbsp;<\/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>B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u0103ng T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 11-2002<\/u><\/em><\/strong>","protected":false},"excerpt":{"rendered":"<p>\u0110\u00e2u l\u00e0 s\u1ef1 b\u1ea5t c\u1eadp trong vi\u1ec7c u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng? (TCNH) &#8211; T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 7-2002 c\u00f3 b\u00e0i \u201cU\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng t\u1ea1i To\u00e0 \u00e1n \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ee5 \u00e1n kinh t\u1ebf, d\u00e2n s\u1ef1 &#8211; nh\u1eefng v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp\u201d c\u1ee7a t\u00e1c gi\u1ea3 Th\u00e1i [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5058,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[37,50,36],"class_list":["post-5057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-kinh-doanh-sanh-luat","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>64. \u0110\u00e2u l\u00e0 s\u1ef1 b\u1ea5t c\u1eadp trong vi\u1ec7c u\u1ef7 quy\u1ec1n tham gia t\u1ed1 t\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng? - 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