{"id":5066,"date":"2003-04-02T16:30:48","date_gmt":"2003-04-02T09:30:48","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5066"},"modified":"2024-11-13T16:53:32","modified_gmt":"2024-11-13T09:53:32","slug":"66a-trao-doi-ve-bai-cam-co-tai-san-mot-bien-phap-bao-dam-thi-hanh-nghia-vu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/66a-trao-doi-ve-bai-cam-co-tai-san-mot-bien-phap-bao-dam-thi-hanh-nghia-vu\/","title":{"rendered":"66a. Trao \u0111\u1ed5i v\u1ec1 b\u00e0i “C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n – M\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m thi h\u00e0nh ngh\u0129a v\u1ee5”."},"content":{"rendered":"

Trao \u0111\u1ed5i v\u1ec1 b\u00e0i “C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n – M\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m thi h\u00e0nh ngh\u0129a v\u1ee5”.<\/span><\/h4>\n
(NN&PL) – T\u1ea1p ch\u00ed Nh\u00e0 n\u01b0\u1edbc v\u00e0 Ph\u00e1p lu\u1eadt s\u1ed1 2-2003 c\u00f3 \u0111\u0103ng b\u00e0i \u201cC\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n – m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m thi h\u00e0nh ngh\u0129a v\u1ee5<\/em>\u201d c\u1ee7a NCV D\u01b0\u01a1ng Qu\u1ef3nh Hoa. Do T\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft \u201cR\u1ea5t mong nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 trao \u0111\u1ed5i v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y<\/em>\u201d, n\u00ean t\u00f4i xin trao \u0111\u1ed5i v\u1ec1 m\u1ed9t s\u1ed1 n\u1ed9i dung kh\u00f4ng \u0111\u1ed3ng t\u00ecnh, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c ki\u1ebfn ngh\u1ecb c\u1ee7a t\u00e1c gi\u1ea3 nh\u01b0 sau:<\/strong><\/h5>\n
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  1. T\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft cho r\u1eb1ng \u201cph\u01b0\u01a1ng th\u1ee9c c\u1ea7m c\u1ed1 c\u00f3 chuy\u1ec3n giao t\u00e0i s\u1ea3n h\u1ea7u nh\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1eb7c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n r\u1ea5t \u00edt tr\u00ean th\u1ef1c t\u1ebf<\/em>\u201d v\u00e0 \u201ctr\u00ean th\u1ef1c t\u1ebf kh\u00f4ng th\u1ec3<\/strong> th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c vi\u1ec7c c\u1ea7m c\u1ed1 m\u00e0 b\u00ean c\u1ea7m c\u1ed1 ph\u1ea3i giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 gi\u1eef, ngay c\u1ea3 trong khi \u0111i\u1ec1u ki\u1ec7n m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd v\u1ec1 s\u1edf h\u1eefu t\u00e0i s\u1ea3n \u0111\u00e3 ho\u00e0n thi\u1ec7n<\/em>\u201d. Theo t\u00f4i, \u0111\u00e2y l\u00e0 m\u1ed9t nh\u1eadn \u0111\u1ecbnh h\u1ebft s\u1ee9c ch\u1ee7 quan, thi\u1ebfu th\u1ef1c t\u1ebf v\u00e0 thi\u1ebfu l\u00f4-g\u00edc v\u00ec:<\/li>\n<\/ol>\n

    Th\u1ee9 nh\u1ea5t: <\/em>Tr\u00ean th\u1ef1c t\u1ebf, h\u1ea7u h\u1ebft vi\u1ec7c c\u1ea7m c\u1ed1 \u0111\u1ec1u g\u1eafn li\u1ec1n v\u1edbi vi\u1ec7c b\u00e0n giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 (ho\u1eb7c g\u1eedi b\u00ean th\u1ee9 ba). Nguy\u00ean t\u1eafc c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n kh\u00e1c c\u01a1 b\u1ea3n v\u1edbi v\u1edbi th\u1ebf ch\u1ea5p l\u00e0 ph\u1ea3i chuy\u1ec3n giao t\u00e0i s\u1ea3n, c\u00f2n vi\u1ec7c kh\u00f4ng chuy\u1ec3n giao t\u00e0i s\u1ea3n ch\u1ec9 l\u00e0 ngo\u1ea1i t\u1ec7 (\u0111\u1ed1i v\u1edbi n\u1ebfu t\u00e0i s\u1ea3n c\u00f3 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu ho\u1eb7c tr\u01b0\u1eddng h\u1ee3p c\u00e1c Ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e9p nh\u1eadn c\u1ea7m c\u1ed1 d\u00e2y chuy\u1ec1n m\u00e1y m\u00f3c thi\u1ebft b\u1ecb c\u1ee7a doanh nghi\u1ec7p). N\u1ebfu th\u1ef1c t\u1ebf b\u00ean c\u1ea7m c\u1ed1 \u201ch\u1ea7u nh\u01b0\u201d v\u00e0 \u201ckh\u00f4ng th\u1ec3\u201d giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 nh\u01b0 y ki\u1ebfn c\u1ee7a t\u00e1c gi\u1ea3, th\u00ec \u0111\u00e3 kh\u00f4ng t\u1ed3n t\u1ea1i h\u00e0ng v\u1ea1n c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 l\u00e2u nay, v\u00ec h\u1ecd kh\u00f4ng bao gi\u1edd cho vay c\u1ea7m \u0111\u1ed3 b\u1eb1ng \u201ct\u00edn ch\u1ea5p\u201d?!<\/p>\n

    Th\u1ee9 hai: <\/em>N\u1ebfu nh\u01b0 \u201c\u0111i\u1ec1u ki\u1ec7n m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd v\u1ec1 s\u1edf h\u1eefu t\u00e0i s\u1ea3n<\/em>\u201d ch\u01b0a ho\u00e0n thi\u1ec7n, th\u00ec vi\u1ec7c b\u00ean c\u1ea7m c\u1ed1 ph\u1ea3i giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 c\u00e0ng c\u1ea7n thi\u1ebft v\u00e0 c\u00e0ng c\u00f3 \u00fd ngh\u0129a th\u1ef1c t\u1ebf. C\u00f2n n\u1ebfu nh\u01b0 \u201c\u0111i\u1ec1u ki\u1ec7n m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd v\u1ec1 s\u1edf h\u1eefu t\u00e0i s\u1ea3n \u0111\u00e3<\/strong> ho\u00e0n thi\u1ec7n\u201d <\/em>th\u00ec c\u00e0ng thu\u1eadn l\u1ee3i h\u01a1n cho vi\u1ec7c b\u00ean c\u1ea7m c\u1ed1 giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 gi\u1eef.<\/p>\n

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    1. T\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft \u0111\u1ec1 ngh\u1ecb: \u201cs\u1eeda \u0111\u1ed5i c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c c\u1ea7m c\u1ed1, v\u00ec theo Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf th\u00ec b\u00ean c\u1ea7m c\u1ed1 b\u1eaft bu\u1ed9c ph\u1ea3i giao t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1<\/strong> cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1, vi\u1ec7c quy \u0111\u1ecbnh nh\u01b0 v\u1eady l\u00e0 tr\u00e1i v\u1edbi BLDS<\/em>\u201d. Theo t\u00f4i, \u0111\u00e2y l\u00e0 m\u1ed9t \u0111\u1ec1 ngh\u1ecb thi\u1ebfu ch\u00ednh x\u00e1c, kh\u00f4ng th\u1ef1c t\u1ebf v\u00ec:<\/li>\n<\/ol>\n

      Th\u1ee9 nh\u1ea5t:<\/em> Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh: \u201cC\u00e1c b\u00ean k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf c\u00f3 quy\u1ec1n tho\u1ea3 thu\u1eadn \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf: th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d (\u0110i\u1ec1u 5), m\u00e0 kh\u00f4ng h\u1ec1 c\u00f3 quy \u0111\u1ecbnh n\u00e0o b\u1eaft bu\u1ed9c b\u00ean c\u1ea7m c\u1ed1 \u201cph\u1ea3i giao t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1\u201d. <\/em>Ch\u1ec9 c\u00f3 \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/H\u0110BT ng\u00e0y 16-01-1990 c\u1ee7a H\u1ed9i \u0111\u1ed3ng B\u1ed9 tr\u01b0\u1edfng quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf c\u00f3 quy \u0111\u1ecbnh nh\u01b0 v\u1eady. Tuy nhi\u00ean, \u0110i\u1ec1u n\u00e0y \u0111\u00e3 b\u1ecb Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP ng\u00e0y 19-11-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m hu\u1ef7 b\u1ecf c\u00e1ch \u0111\u00e2y h\u01a1n 3 n\u0103m.<\/p>\n

      Th\u1ee9 hai:<\/em> Kh\u00e1i ni\u1ec7m v\u1ec1 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n tr\u01b0\u1edbc kia c\u0169ng kh\u00e1c v\u1edbi quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hi\u1ec7n h\u00e0nh. Theo B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i v\u00e0 Lu\u1eadt H\u00e0ng kh\u00f4ng d\u00e2n d\u1ee5ng Vi\u1ec7t Nam, th\u00ec t\u00e0u thu\u1ef7 v\u00e0 t\u00e0u bay l\u00e0 c\u00e1c t\u00e0i s\u1ea3n v\u1eeba c\u00f3 th\u1ec3 d\u00f9ng \u0111\u1ec3 c\u1ea7m c\u1ed1 l\u1ea1i v\u1eeba c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 th\u1ebf ch\u1ea5p. C\u00f2n \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/H\u0110BT n\u00f3i tr\u00ean th\u00ec quy \u0111\u1ecbnh \u201cTh\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0<\/em> d\u00f9ng s\u1ed1 \u0111\u1ed9ng s\u1ea3n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n <\/strong>ho\u1eb7c gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n kh\u00e1c thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m t\u00e0i s\u1ea3n cho vi\u1ec7c th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf \u0111\u00e3 k\u00fd k\u1ebft<\/em>\u201d. Trong khi \u0111\u00f3, theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec ch\u1ec9 c\u1ea7m c\u1ed1 \u0111\u1ed9ng s\u1ea3n (v\u00e0 th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n). Do v\u1eady, vi\u1ec7c Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/H\u0110BT kh\u00f4ng quy \u0111\u1ecbnh b\u00ean th\u1ebf ch\u1ea5p ph\u1ea3i giao t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 \u0111\u1ed9ng s\u1ea3n cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p v\u1ec1 th\u1ef1c ch\u1ea5t c\u0169ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi vi\u1ecbec cho ph\u00e9p b\u00ean c\u1ea7m c\u1ed1 kh\u00f4ng ph\u1ea3i giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

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      1. T\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft ki\u1ebfn ngh\u1ecb: \u201cBLDS c\u0169ng n\u00ean \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i theo h\u01b0\u1edbng khi c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, b\u00ean c\u1ea7m c\u1ed1 kh\u00f4ng ph\u1ea3i giao gi\u1ea5y t\u1edd s\u1edf h\u1eefu<\/strong> cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 m\u00e0 c\u00e1c b\u00ean ch\u1ec9 c\u1ea7n \u0111\u1ebfn c\u01a1 quan \u0111\u0103ng k\u00fd \u0111\u1ec3 \u0111\u0103ng k\u00fd h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 m\u00e0 th\u00f4i<\/em>\u201d. Theo t\u00f4i, \u0111\u00e2y l\u00e0 m\u1ed9t \u0111\u1ec1 ngh\u1ecb \u0111\u00e3 \u0111i qu\u00e1 xa c\u1ea3 v\u1ec1 m\u1eb7t l\u00fd lu\u1eadn v\u00e0 th\u1ef1c t\u1ebf c\u1ee7a Vi\u1ec7t Nam, v\u00ec:<\/li>\n<\/ol>\n

        Th\u1ee9 nh\u1ea5t:<\/em> N\u1ebfu c\u1ea7m c\u1ed1 m\u00e0 b\u00ean c\u1ea7m c\u1ed1 kh\u00f4ng ph\u1ea3i giao t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, \u0111\u1ed3ng th\u1eddi c\u0169ng kh\u00f4ng ph\u1ea3i giao gi\u1ea5y t\u1edd s\u1edf h\u1eefu t\u00e0i s\u1ea3n th\u00ec th\u1ebf ch\u1ea5p c\u0169ng s\u1ebd kh\u00f4ng c\u00f3 l\u00fd do g\u00ec ph\u1ea3i giao t\u00e0i s\u1ea3n v\u00e0 gi\u1ea5y t\u1edd t\u00e0i s\u1ea3n, v\u00ec t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f2n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd theo m\u1ed9t ch\u1ebf \u0111\u1ed9 ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n h\u1eb3n t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1. Nh\u01b0 v\u1eady, th\u00ec d\u1eabn \u0111\u1ebfn h\u1ec7 qu\u1ea3 ph\u00e1p l\u00fd l\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i ph\u00e2n bi\u1ec7t gi\u1eefa c\u1ea7m c\u1ed1 v\u00e0 th\u1ebf ch\u1ea5p cho ph\u1ee9c t\u1ea1p, r\u1eafc r\u1ed1i; th\u1eadm ch\u00ed c\u0169ng kh\u00f4ng c\u1ea7n quy \u0111\u1ecbnh v\u1ec1 bi\u1ec7n ph\u00e1p \u0111\u1eb7t c\u1ecdc, k\u00fd qu\u1ef9 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1.<\/p>\n

        Th\u1ee9 hai:<\/em> \u0110\u1ec1 ngh\u1ecb n\u00e0y \u0111\u00e3 m\u00e2u thu\u1eabn v\u1edbi ch\u00ednh nh\u1eadn \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00f3 c\u1ee7a t\u00e1c gi\u1ea3 l\u00e0: Quy \u0111\u1ecbnh vi\u1ec7c c\u1ea7m c\u1ed1 ph\u1ea3i giao t\u00e0i s\u1ea3n nh\u01b0 hi\u1ec7n nay \u201cth\u00ec b\u00ean c\u00f3 ngh\u0129a v\u1ee5 kh\u00f4ng th\u1ec3 t\u1ea9u t\u00e1n \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n<\/em>\u201d.<\/p>\n

          \n
        1. T\u00e1c gi\u1ea3 \u0111\u1ec1 ngh\u1ecb: \u201cs\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 9 v\u00e0 \u0110i\u1ec1u 12, Quy ch\u1ebf th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng v\u1ec1 vi\u1ec7c quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n m\u1ee9c cho vay b\u1eb1ng 70% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 v\u00ec vi\u1ec7c quy \u0111\u1ecbnh nh\u01b0 v\u1eady l\u00e0 tr\u00e1i v\u1edbi<\/strong> quy \u0111\u1ecbnh c\u1ee7a BLDS<\/strong><\/em>\u201d. Tr\u01b0\u1edbc \u0111\u00f3, t\u00e1c gi\u1ea3 c\u00f3 gi\u1ea3i th\u00edch: \u201cBLDS kh\u00f4ng c\u00f3 kh\u1ed1ng ch\u1ebf nh\u01b0 tr\u00ean m\u00e0 linh ho\u1ea1t h\u01a1n r\u1ea5t nhi\u1ec1u, theo \u0111\u00f3 c\u00e1c b\u00ean c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn v\u1ec1 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n v\u00e0 h\u1ea1n m\u1ee9c cho vay<\/em>\u201d. \u0110\u1ec1 ngh\u1ecb n\u00e0y kh\u00f4ng \u0111\u00fang v\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft, v\u00ec:<\/li>\n<\/ol>\n

          Th\u1ee9 nh\u1ea5t:<\/em> \u201cQuy ch\u1ebf th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng<\/em>\u201d m\u00e0 t\u00e1c gi\u1ea3 nh\u1eafc \u0111\u1ebfn ch\u00ednh l\u00e0 Quy ch\u1ebf Th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 217\/Q\u0110-NH1 ng\u00e0y 17-8-1996 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Nh\u01b0ng \u0111\u00e1ng ti\u1ebfc, n\u00f3 c\u0169ng \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb 3 n\u0103m nay do \u0111\u00e3 c\u00f3 Th\u00f4ng t\u01b0 s\u1ed1 06\/2000\/TT-NHNN1 ng\u00e0y 04-4-2000 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam H\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng thay th\u1ebf. Hi\u1ec7n nay, m\u1ee9c cho vay so v\u1edbi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 l\u00e0 do c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ef1 xem x\u00e9t quy\u1ebft \u0111\u1ecbnh.<\/p>\n

          Th\u1ee9 hai:<\/em> N\u1ebfu Quy ch\u1ebf tr\u00ean v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c, th\u00ec c\u0169ng kh\u00f4ng c\u00f3 g\u00ec tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, v\u00ec ch\u00ednh \u0110i\u1ec1u 329, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169ng \u0111\u00e3 ch\u1ec9 r\u00f5 \u201ctr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>\u201d. R\u00f5 r\u00e0ng, gi\u1edbi h\u1ea1n 70% tr\u01b0\u1edbc \u0111\u00e2y c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u00ednh l\u00e0 \u201cquy \u0111\u1ecbnh kh\u00e1c\u201d c\u1ee7a ph\u00e1p lu\u1eadt. Thay v\u00ec ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh tr\u1ef1c ti\u1ebfp t\u1ef7 l\u1ec7 th\u00ec hi\u1ec7n nay \u0111\u00e3 giao cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng quy \u0111\u1ecbnh nh\u1eefng gi\u1edbi h\u1ea1n t\u01b0\u01a1ng t\u1ef1. Theo t\u00f4i, \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng bi\u1ec7n ph\u00e1p c\u1ea7n thi\u1ebft v\u00e0 \u0111\u00fang ph\u00e1p lu\u1eadt \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n cho ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

            \n
          1. T\u00e1c gi\u1ea3 \u0111\u1ec1 ngh\u1ecb: \u201cs\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh v\u1ec1 h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 t\u1ea1i Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00ec Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf quy \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 b\u1eaft bu\u1ed9c<\/strong> ph\u1ea3i c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a C\u00f4ng ch\u1ee9ng nh\u00e0 n\u01b0\u1edbc<\/strong> trong khi theo BLDS th\u00ec vi\u1ec7c n\u00e0y l\u1ea1i kh\u00f4ng mang t\u00ednh b\u1eaft bu\u1ed9c<\/em>\u201d. Tr\u01b0\u1edbc \u0111\u00f3, t\u00e1c gi\u1ea3 \u0111\u00e3 nh\u1eadn \u0111\u1ecbnh: \u201cVi\u1ec7c quy \u0111\u1ecbnh nh\u01b0 v\u1eady c\u1ee7a Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf l\u00e0 tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a BLDS<\/strong><\/em>\u201d. Theo t\u00f4i, \u0111\u00e2y c\u0169ng l\u00e0 m\u1ed9t \u0111\u1ec1 ngh\u1ecb sai ph\u00e1p lu\u1eadt v\u00e0 thi\u1ebfu th\u1ef1c t\u1ebf.<\/li>\n<\/ol>\n

            Th\u1ee9 nh\u1ea5t:<\/em> Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh: \u201cC\u00e1c b\u00ean k\u00fd k\u1ebft c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u l\u00e0m ch\u1ee9ng th\u01b0<\/strong> h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf<\/strong> t\u1ea1i c\u01a1 quan c\u00f4ng ch\u1ee9ng<\/em>\u201d (\u0110i\u1ec1u 6), m\u00e0 kh\u00f4ng h\u1ec1 c\u00f3 quy \u0111\u1ecbnh n\u00e0o b\u1eaft bu\u1ed9c h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1\u201cph\u1ea3i c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a C\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc\u201d <\/em>(nay l\u00e0 C\u00f4ng ch\u1ee9ng). V\u1ea5n \u0111\u1ec1 b\u1eaft bu\u1ed9c \u201ch\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 ph\u1ea3i c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a C\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc<\/em>\u201d ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/H\u0110BT ng\u00e0y 16-01-1990 nh\u01b0ng \u0110i\u1ec1u n\u00e0y c\u0169ng \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb th\u00e1ng 12-1999.<\/p>\n

            Th\u1ee9 hai:<\/em> N\u1ebfu Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf c\u00f3 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a C\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc, th\u00ec c\u0169ng kh\u00f4ng c\u00f3 g\u00ec l\u00e0 \u201ctr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a BLDS<\/em>\u201d(c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u\u00a0 29, B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i v\u1ec1 vi\u1ec7c b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 t\u00e0u bi\u1ec3n) v\u00ec B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169ng \u0111\u00e3 \u201ccho ph\u00e9p\u201d<\/em> r\u1ea5t r\u00f5 r\u00e0ng t\u1ea1i \u0111o\u1ea1n 2, \u0110i\u1ec1u 133: \u201cTrong tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh giao d\u1ecbch d\u00e2n s\u1ef1 ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n b\u1eb1ng v\u0103n b\u1ea3n, ph\u1ea3i \u0111\u01b0\u1ee3c C\u00f4ng ch\u1ee9ng nh\u00e0 n\u01b0\u1edbc ch\u1ee9ng nh\u1eadn, \u0111\u01b0\u1ee3c ch\u1ee9ng th\u1ef1c, \u0111\u0103ng k\u00fd ho\u1eb7c ph\u1ea3i xin ph\u00e9p, th\u00ec ph\u1ea3i tu\u00e2n theo c\u00e1c quy \u0111\u1ecbnh \u0111\u00f3<\/em>\u201d.<\/p>\n

              \n
            1. Cu\u1ed1i c\u00f9ng, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1, bao g\u1ed3m r\u1ea5t nhi\u1ec1u ngh\u0129a v\u1ee5 kh\u00e1c nhau (c\u0169ng nh\u01b0 \u0111\u00e3 ghi trong ti\u00eau \u0111\u1ec1 b\u00e0i vi\u1ebft c\u1ee7a t\u00e1c gi\u1ea3 D\u01b0\u01a1ng Qu\u1ef3nh Hoa), nh\u01b0ng trong c\u1ea3 b\u00e0i vi\u1ebft c\u1ee7a m\u00ecnh, t\u1eeb n\u00eau v\u1ea5n \u0111\u1ec1, ph\u00e2n t\u00edch, \u0111\u1ebfn ki\u1ebfn ngh\u1ecb, t\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft l\u1ea1i ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn theo m\u1ed9t h\u01b0\u1edbng nh\u01b0 l\u00e0 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 c\u1ea7m c\u1ed1 ch\u1ec9 \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho m\u1ed9t m\u1ee5c \u0111\u00edch l\u00e0 b\u1ea3o \u0111\u1ea3m vi\u1ec7c vay v\u1ed1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t, kinh doanh v\u00e0 ch\u1ec9 c\u00f3 trong quan h\u1ec7 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng.<\/li>\n<\/ol>\n

              \u00b6\u00a0\u00b6<\/p>\n

              \u00b6<\/p>\n

              Hi\u1ec7n nay, c\u00f3 r\u1ea5t nhi\u1ec1u quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt \u0111ang m\u1eabu thu\u1eabn, ch\u1ed3ng ch\u00e9o, b\u1ea5t h\u1ee3p l\u00fd, xa r\u1eddi th\u1ef1c t\u1ebf v\u00e0 ph\u1ea3n l\u1ea1i cu\u1ed9c s\u1ed1ng, nh\u01b0ng, \u0111\u1ec3 g\u00f3p ph\u1ea7n \u201cho\u00e0n hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh c\u1ee7a BLDS v\u1ec1 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n<\/em>\u201d th\u00ec theo t\u00f4i, b\u00e0i vi\u1ebft n\u00f3i tr\u00ean c\u00f3 nhi\u1ec1u n\u1ed9i dung c\u1ea7n ph\u1ea3i xem l\u1ea1i, nh\u1ea5t l\u00e0 c\u00f3 b\u1ed1n tr\u00ean t\u1ed5ng s\u1ed1 s\u00e1u \u0111\u1ec1 ngh\u1ecb c\u1ee7a t\u00e1c gi\u1ea3 l\u00e0 sai l\u1ea7m, phi th\u1ef1c t\u1ebf v\u00e0 kh\u00f4ng ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n

              —————————————–<\/p>\n

              Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/a> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n

              ——<\/p>\n

              B\u00e0i vi\u1ebft g\u1eedi \u0111\u0103ng T\u1ea1p ch\u00ed Nh\u00e0 n\u01b0\u1edbc v\u00e0 Ph\u00e1p lu\u1eadt<\/u><\/em><\/strong><\/p>\n

              G\u1eedi t\u1eeb 3-2003, nh\u01b0ng T\u1ea1p ch\u00ed tr\u1ea3 l\u1eddi l\u00e0 \u0111\u00e3 chuy\u1ec3n cho t\u00e1c gi\u1ea3.<\/strong><\/em><\/p>\n

               ","protected":false},"excerpt":{"rendered":"

              Trao \u0111\u1ed5i v\u1ec1 b\u00e0i “C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n – M\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m thi h\u00e0nh ngh\u0129a v\u1ee5”. (NN&PL) – T\u1ea1p ch\u00ed Nh\u00e0 n\u01b0\u1edbc v\u00e0 Ph\u00e1p lu\u1eadt s\u1ed1 2-2003 c\u00f3 \u0111\u0103ng b\u00e0i \u201cC\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n – m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m thi h\u00e0nh ngh\u0129a v\u1ee5\u201d c\u1ee7a NCV D\u01b0\u01a1ng Qu\u1ef3nh Hoa. Do T\u00e1c gi\u1ea3 b\u00e0i […]<\/p>\n","protected":false},"author":7,"featured_media":5067,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,36],"class_list":["post-5066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n66a. Trao \u0111\u1ed5i v\u1ec1 b\u00e0i "C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n - M\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m thi h\u00e0nh ngh\u0129a v\u1ee5". - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"T\u1ea1p ch\u00ed Nh\u00e0 n\u01b0\u1edbc v\u00e0 Ph\u00e1p lu\u1eadt s\u1ed1 2-2003 c\u00f3 \u0111\u0103ng b\u00e0i \u201cC\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n - m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m thi h\u00e0nh ngh\u0129a v\u1ee5\u201d c\u1ee7a NCV D\u01b0\u01a1ng Qu\u1ef3nh Hoa...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/66a-trao-doi-ve-bai-cam-co-tai-san-mot-bien-phap-bao-dam-thi-hanh-nghia-vu\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]66a. 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