{"id":5075,"date":"2004-06-02T16:45:04","date_gmt":"2004-06-02T09:45:04","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5075"},"modified":"2024-11-13T11:44:02","modified_gmt":"2024-11-13T04:44:02","slug":"68-hieu-sai-cac-quy-dinh-trong-linh-vuc-ngan-hang-mot-trong-nhung-nguyen-nhan-dan-den-tinh-trang-hinh-su-hoa-quan-he-kinh-te","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/68-hieu-sai-cac-quy-dinh-trong-linh-vuc-ngan-hang-mot-trong-nhung-nguyen-nhan-dan-den-tinh-trang-hinh-su-hoa-quan-he-kinh-te\/","title":{"rendered":"68. Hi\u1ec3u sai c\u00e1c quy \u0111\u1ecbnh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng &#8211; M\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf."},"content":{"rendered":"<h4><span style=\"color: #723918;\">Hi\u1ec3u sai c\u00e1c quy \u0111\u1ecbnh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng &#8211; M\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf.<\/span><\/h4>\n<h5><strong>(TCTM) &#8211; C\u00f3 nhi\u1ec1u nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf, trong \u0111\u00f3 nguy\u00ean nh\u00e2n s\u00e2u xa l\u00e0 ch\u1ebf \u0111\u1ed9 ta \u0111\u00e3 kh\u00f4ng th\u1eeba nh\u1eadn n\u1ec1n kinh t\u1ebf h\u00e0ng ho\u00e1 &#8211; th\u1ecb tr\u01b0\u1eddng trong m\u1ed9t th\u1eddi gian qu\u00e1 d\u00e0i. B\u00e0i vi\u1ebft n\u00e0y ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n l\u00e0, do hi\u1ec3u sai c\u00e1c quy \u0111\u1ecbnh v\u1ec1 kinh t\u1ebf, trong \u0111\u00f3 c\u00f3 quy \u0111\u1ecbnh thu\u1ed9c v\u1ec1 l\u0129nh v\u1ef1c Ng\u00e2n h\u00e0ng.<\/strong><\/h5>\n<p>Tr\u00ean b\u00e1o ch\u00ed m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y, xu\u1ea5t hi\u1ec7n kh\u00e1 nhi\u1ec1u tin, b\u00e0i c\u1ee7a nhi\u1ec1u t\u00e1c gi\u1ea3, nh\u1eadn x\u00e9t v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c Ng\u00e2n h\u00e0ng m\u1ed9t c\u00e1ch thi\u1ebfu c\u01a1 s\u1edf ph\u00e1p l\u00fd. Khi c\u00f3 nh\u1eefng h\u00e0nh vi cho th\u1ea5y d\u1ea5u hi\u1ec7u x\u00e2m ph\u1ea1m, th\u1ea5t tho\u00e1t t\u00e0i s\u1ea3n, l\u1ea1i c\u00f3 nh\u1eadn \u0111\u1ecbnh \u0111\u00f3 l\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt, th\u00ec d\u1ec5 d\u1eabn \u0111\u1ebfn nguy c\u01a1 x\u1eed l\u00fd h\u00ecnh s\u1ef1 c\u00e1c quan h\u1ec7 kinh t\u1ebf.<\/p>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 thi\u1ebfu ch\u00ednh x\u00e1c, r\u1ea5t d\u1ec5 d\u1eabn \u0111\u1ebfn nguy c\u01a1 quy ch\u1ee5p v\u00e0o t\u1ed9i \u201c<em>Vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>\u201d ho\u1eb7c t\u1ed9i \u201c<em>C\u1ed1 \u00fd l\u00e0m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u1ec1 qu\u1ea3n l\u00fd kinh t\u1ebf g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng<\/em>\u201d.<\/p>\n<h5><strong>1. \u0110\u00e1nh gi\u00e1 kh\u00f4ng ch\u00ednh x\u00e1c v\u1ec1 t\u00ednh ch\u1ea5t s\u1edf h\u1eefu c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n:<\/strong><\/h5>\n<ul>\n<li>T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 chuy\u00ean \u0111\u1ec1 th\u00e1ng 6-1999 v\u1edbi ch\u1ee7 \u0111\u1ec1 \u201c<em>T\u0103ng c\u01b0\u1eddng ph\u1ed1i h\u1ee3p ph\u00f2ng ng\u1eeba, ng\u0103n ch\u1eb7n sai ph\u1ea1m, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng<\/em>\u201d, trong b\u00e0i \u201c<em>Tr\u00e1ch nhi\u1ec7m c\u1ee7a ban l\u00e3nh \u0111\u1ea1o c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u1edf Vi\u1ec7t Nam trong c\u00e1c v\u1ee5 x\u1ea3y ra th\u1ea5t tho\u00e1t t\u00e0i s\u1ea3n d\u01b0\u1edbi g\u00f3c \u0111\u1ed9 s\u1edf h\u1eefu<\/em>\u201d, PGS, Ti\u1ebfn s\u1ef9 Nguy\u1ec5n Xu\u00e2n Y\u00eam (Ph\u00f3 V\u0103n ph\u00f2ng U\u1ef7 ban Qu\u1ed1c gia Ph\u00f2ng ch\u1ed1ng Ma tu\u00fd) \u0111\u00e3 vi\u1ebft: \u201c<em>Ban l\u00e3nh \u0111\u1ea1o c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n v\u00e0 Ng\u00e2n h\u00e0ng li\u00ean doanh <strong>\u0111\u01b0\u1ee3c<\/strong> <strong>Nh\u00e0 n\u01b0\u1edbc giao th\u1ef1c hi\u1ec7n quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n<\/strong> th\u1ec3 hi\u1ec7n tr\u00ean 3 m\u1eb7t: quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t, quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c t\u00e0i s\u1ea3n (ch\u1ee7 y\u1ebfu l\u00e0 ti\u1ec1n, v\u00e0ng&#8230;)\u201d. <\/em>Nh\u01b0 v\u1eady, d\u01b0\u1edbi con m\u1eaft c\u1ee7a t\u00e1c gi\u1ea3 n\u00e0y, th\u00ec d\u01b0\u1eddng nh\u01b0 c\u00e1c Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n v\u00e0 li\u00ean doanh \u0111\u1ec1u l\u00e0 doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc, qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a Nh\u00e0 n\u01b0\u1edbc (?!). V\u1eady, n\u1ebfu x\u1ea3y ra sai ph\u1ea1m, th\u1ea5t tho\u00e1t th\u00ec ch\u1eafc ch\u1eafn s\u1ebd b\u1ecb x\u1eed l\u00fd kh\u1eaft khe h\u01a1n l\u1ebd th\u01b0\u1eddng.<\/li>\n<li>C\u0169ng T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 chuy\u00ean \u0111\u1ec1 n\u00f3i tr\u00ean, trong b\u00e0i \u201c<em>B\u00e0n v\u1ec1 t\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o trong l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng&#8221;,<\/em> Th\u1ea1c s\u1ef9 Tr\u1ea7n \u0110\u00ecnh Khi\u1ebfu (Gi\u1ea3ng vi\u00ean Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc C\u1ea3nh s\u00e1t) \u0111\u00e3 vi\u1ebft: \u201c<em>Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n l\u00e0 <strong>h\u1ea7u bao ch\u1ee9a t\u00e0i s\u1ea3n c\u1ee7a Nh\u00e0 n\u01b0\u1edbc<\/strong>. L\u1ed7 th\u00ec Nh\u00e0 n\u01b0\u1edbc ch\u1ecbu, l\u00e3i th\u00ec m\u1ed9t s\u1ed1 ng\u01b0\u1eddi chia nhau, c\u00e1c doanh nghi\u1ec7p Nh\u00e0 n\u01b0\u1edbc l\u00e0m \u0103n th\u00ec thua l\u1ed7, c\u00f4ng nh\u00e2n kh\u00f4ng c\u00f3 c\u00f4ng \u0103n vi\u1ec7c l\u00e0m, Ban gi\u00e1m \u0111\u1ed1c \u0111\u01b0a ti\u1ec1n \u0111i g\u00f3p c\u1ed5 ph\u1ea7n, \u0111\u00e2y l\u00e0 <strong>m\u1ed9t h\u00ecnh th\u1ee9c r\u00fat ti\u1ec1n Nh\u00e0 n\u01b0\u1edbc m\u1ed9t t\u00ecnh tr\u1ea1ng \u0111\u00e1ng b\u00e1o \u0111\u1ed9ng<\/strong><\/em>\u201d. N\u00f3i nh\u01b0 v\u1eady th\u00ec kh\u00e1c n\u00e0o b\u1ea3o Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n l\u00e0 Ng\u00e2n h\u00e0ng qu\u1ed1c doanh, n\u01a1i gi\u1eef h\u1ea7u bao c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, l\u00e0 n\u01a1i chuy\u00ean r\u1eeda ti\u1ec1n b\u1ea9n cho c\u00e1c quan ch\u1ee9c, r\u1ed3i g\u00f3p v\u1ed1n v\u00e0o Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n th\u00ec coi nh\u01b0 m\u1ea5t (!?). V\u00e0 nh\u01b0 v\u1eady, th\u00ec \u0111\u00e1ng b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 h\u01a1n l\u00e0 vi\u1ec7c x\u1eed l\u00fd kinh t\u1ebf.<\/li>\n<\/ul>\n<h5><strong>2. \u0110\u00e1nh gi\u00e1 kh\u00f4ng ch\u00ednh x\u00e1c v\u1ec1 vi\u1ec7c nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay:<\/strong><\/h5>\n<ul>\n<li>T\u00e1c gi\u1ea3 Phan L\u00ea (H\u00e0 N\u1ed9i) trong b\u00e0i \u201c<em>M\u1ed9t s\u1ed1 nguy\u00ean nh\u00e2n ch\u00ednh d\u1ec5 d\u1eabn \u0111\u1ebfn n\u1ee3 kh\u00f3 \u0111\u00f2i cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/em>\u201d, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 11, th\u00e1ng 11-2001 \u0111\u00e3 vi\u1ebft: Ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn t\u00e0i s\u1ea3n c\u1ee7a \u0111\u1ea3ng l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, v\u00ec l\u00e0 t\u00e0i s\u1ea3n ph\u00e1p lu\u1eadt c\u1ea5m th\u1ebf ch\u1ea5p, do: \u201c<em>Lu\u1eadt ph\u00e1p n\u01b0\u1edbc C\u1ed9ng ho\u00e0 x\u00e3 h\u1ed9i ch\u1ee7 ngh\u0129a Vi\u1ec7t Nam quy \u0111\u1ecbnh: T\u00e0i s\u1ea3n c\u1ee7a \u0110\u1ea3ng c\u1ed9ng s\u1ea3n Vi\u1ec7t Nam l\u00e0 <strong>b\u1ea5t kh\u1ea3 x\u00e2m ph\u1ea1m<\/strong>. Chi nh\u00e1nh VCB &#8211; th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh cho Tamexco vay, \u0111\u00e3 xi\u1ebft n\u1ee3 l\u00e0 kh\u00e1ch s\u1ea1n \u0110\u1ed3i Sao v\u00e0 m\u1ed9t s\u1ed1 nh\u00e0 l\u00e0 t\u00e0i s\u1ea3n c\u1ee7a Ban t\u00e0i ch\u00ednh qu\u1ea3n tr\u1ecb, Th\u00e0nh u\u1ef7 th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh tr\u1ef1c ti\u1ebfp qu\u1ea3n l\u00fd. B\u1edfi v\u1eady, To\u00e0 ph\u00fac th\u1ea9m To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao t\u1ea1i th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh \u0111\u00e3 b\u00e1c vi\u1ec7c Chi nh\u00e1nh VCB th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh xi\u1ebft n\u1ee3 t\u00e0i s\u1ea3n \u0111\u00f3<\/em>\u201d. Trong v\u1ee5 \u00e1n n\u00e0y, vi\u1ec7c nh\u1eadn th\u1ebf ch\u1ea5p kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn l\u00e0 do th\u1ee7 t\u1ee5c, do th\u1ea9m quy\u1ec1n th\u1ebf ch\u1ea5p kh\u00f4ng \u0111\u00fang ph\u00e1p lu\u1eadt, ch\u1ee9 kh\u00f4ng ph\u1ea3i do \u0111\u00f3 l\u00e0 t\u00e0i s\u1ea3n c\u1ea5m th\u1ebf ch\u1ea5p. T\u00e0i s\u1ea3n c\u1ee7a \u0111\u1ea3ng hay l\u00e0 c\u1ee7a ai \u0111i ch\u0103ng n\u1eefa, th\u00ec c\u0169ng l\u00e0 thi\u00eang li\u00eang v\u00e0 b\u1ea5t kh\u1ea3 x\u00e2m ph\u1ea1m.<\/li>\n<li>Nghi\u00ean c\u1ee9u vi\u00ean D\u01b0\u01a1ng Qu\u1ef3nh Hoa, trong b\u00e0i \u201c<em>C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n &#8211; m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m thi h\u00e0nh ngh\u0129a v\u1ee5<\/em>\u201d \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Nh\u00e0 n\u01b0\u1edbc v\u00e0 Ph\u00e1p lu\u1eadt s\u1ed1 2-2003 \u0111\u00e3 \u0111\u1ec1 ngh\u1ecb: \u201c<em>s\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 <strong>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 <strong>tr\u00e1i v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1<\/strong><\/em>\u201d. Theo t\u00f4i, \u0111\u00e2y l\u00e0 m\u1ed9t \u0111\u1ec1 ngh\u1ecb thi\u1ebfu ch\u00ednh x\u00e1c, v\u00ec:\n<ul>\n<li><em>Th\u1ee9 nh\u1ea5t:<\/em> Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh: \u201c<em>C\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 \u201c<em>ph\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\u00f3 h\u01a1n 3 n\u0103m.<\/li>\n<li><em>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 n\u0103m 1990 v\u00e0 Lu\u1eadt H\u00e0ng kh\u00f4ng d\u00e2n d\u1ee5ng Vi\u1ec7t Nam n\u0103m 1991, 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 d\u00f9ng \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 \u201c<em>Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0<\/em> <em>d\u00f9ng s\u1ed1 \u0111\u1ed9ng s\u1ea3n, <strong>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, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 ph\u00e2n bi\u1ec7t r\u00f5 hai kh\u00e1i ni\u1ec7m <strong><em>c\u1ea7m c\u1ed1 \u0111\u1ed9ng s\u1ea3n<\/em><\/strong> v\u00e0 <strong><em>th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n <\/em><\/strong>v\u00e0 b\u00ean c\u1ea7m c\u1ed1 c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i giao t\u00e0i s\u1ea3n cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 (n\u1ebfu t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 c\u00f3 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu). Do v\u1eady, vi\u1ec7c Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/H\u0110BT (ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf) c\u00f3 quy \u0111\u1ecbnh, ph\u1ea3i giao t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, nh\u01b0ng kh\u00f4ng ph\u1ea3i giao t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p (bao g\u1ed3m c\u1ea3 \u0111\u1ed9ng s\u1ea3n), v\u1ec1 th\u1ef1c ch\u1ea5t c\u0169ng gi\u1ed1ng v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u1ea7n giao t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 l\u00e0 \u0111\u1ed9ng s\u1ea3n.<\/li>\n<\/ul>\n<\/li>\n<li>C\u0169ng trong b\u00e0i vi\u1ebft n\u00f3i tr\u00ean, t\u00e1c gi\u1ea3 D\u01b0\u01a1ng Qu\u1ef3nh Hoa \u0111\u00e3 \u0111\u1ec1 ngh\u1ecb: \u201c<em>s\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 <strong>tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1<\/strong><\/em>\u201d. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t \u0111\u1ec1 ngh\u1ecb thi\u1ebfu ch\u00ednh x\u00e1c, v\u00ec:\n<ul>\n<li><em>Th\u1ee9 nh\u1ea5t:<\/em> <em>Quy ch\u1ebf Th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 217\/Q\u0110-NH1 ng\u00e0y 17-8-1996 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb 3 n\u0103m tr\u01b0\u1edbc khi c\u00f3 \u0111\u1ec1 ngh\u1ecb n\u00e0y, 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.<\/li>\n<li><em>Th\u1ee9 hai:<\/em> N\u1ebfu Quy ch\u1ebf tr\u00ean v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c, th\u00ec 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 quy \u0111\u1ecbnh cho l\u0129nh v\u1ef1c Ng\u00e2n h\u00e0ng c\u0169ng ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 g\u00ec tr\u00e1i v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Thay v\u00ec Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh tr\u1ef1c ti\u1ebfp, 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.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h5><strong>3. \u0110\u00e1nh gi\u00e1 kh\u00f4ng ch\u00ednh x\u00e1c v\u1ec1 y\u00eau c\u1ea7u c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay:<\/strong><\/h5>\n<ul>\n<li>M\u1ee5c Gi\u1ea3i \u0111\u00e1p ph\u00e1p lu\u1eadt, B\u00e1o Kinh doanh v\u00e0 Ph\u00e1p lu\u1eadt ng\u00e0y 10-8-2000 \u0111\u00e3 vi\u1ebft: Theo Th\u00f4ng t\u01b0 li\u00ean b\u1ed9 s\u1ed1 01\/TTLB ng\u00e0y 03-7-1996 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, B\u1ed9 T\u01b0 ph\u00e1p <em>H\u01b0\u1edbng d\u1eabn v\u1ec1 th\u1ee7 t\u1ee5c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n&#8230;<\/em> th\u00ec \u201c<em>H\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh <strong>ph\u1ea3i c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a c\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc<\/strong> \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n c\u00f3 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu v\u00e0 t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu nh\u01b0ng c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 50 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean<\/em>\u201d. Ng\u00e0y 21-9-2001, \u00f4ng Cao Th\u1eafng, Ch\u00e1nh To\u00e0 Kinh t\u1ebf- To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao c\u0169ng kh\u1eb3ng \u0111\u1ecbnh nh\u01b0 v\u1eady t\u1ea1i l\u1edbp b\u1ed3i d\u01b0\u1ee1ng ki\u1ebfn th\u1ee9c ph\u00e1p lu\u1eadt do Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng t\u1ed5 ch\u1ee9c t\u1ea1i H\u1ecdc vi\u1ec7n Ng\u00e2n h\u00e0ng. Trong khi \u0111\u00f3, quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c ph\u1ea3i c\u00f4ng ch\u1ee9ng n\u00f3i tr\u00ean \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb sau khi c\u00f3 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.<\/li>\n<li>M\u1ee5c Gi\u1ea3i \u0111\u00e1p ph\u00e1p lu\u1eadt c\u1ee7a B\u00e1o Ph\u00e1p lu\u1eadt ng\u00e0y 13-11-2000 v\u00e0 t\u00e1c gi\u1ea3 Tr\u1ea7n Ng\u1ecdc Minh (Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc TP HCM) trong t\u1eadp T\u00e0i li\u1ec7u H\u1ed9i th\u1ea3o \u201c<em>Ho\u00e0n thi\u1ec7n m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng Ng\u00e2n h\u00e0ng \u1edf Vi\u1ec7t Nam trong \u0111i\u1ec1u ki\u1ec7n th\u1ef1c hi\u1ec7n Hi\u1ec7p \u0111\u1ecbnh th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t M\u1ef9 v\u00e0 h\u1ed9i nh\u1eadp\u201d<\/em>, di\u1ec5n ra t\u1ea1i H\u00e0 N\u1ed9i ng\u00e0y 02-8-2002 \u0111\u00e3 vi\u1ebft: Theo c\u00e1c \u0110i\u1ec1u 346, 347, 359 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP ng\u00e0y 19-11-1999 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 08\/2000\/N\u0110-CP ng\u00e0y 10-3-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, th\u00ec \u201c<em>vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n <strong>ph\u1ea3i c\u00f3 ch\u1ee9ng th\u1ef1c c\u1ee7a c\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc<\/strong> ho\u1eb7c ch\u1ee9ng th\u1ef1c c\u1ee7a UBND c\u1ea5p c\u00f3 th\u1ea9m quy\u1ec1n th\u00ec m\u1edbi l\u00e0 h\u1ee3p ph\u00e1p<\/em>\u201d. Th\u1ef1c ra, c\u00e1c v\u0103n b\u1ea3n tr\u00ean kh\u00f4ng h\u1ec1 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p. Vi\u1ec7c c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i c\u00e1c v\u0103n b\u1ea3n kh\u00e1c, \u0111\u00f3 l\u00e0 t\u1ea1i Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng D\u00e2n s\u1ef1 n\u0103m 1991; t\u1ea1i B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i n\u0103m 1991 (\u0111\u1ed1i v\u1edbi t\u00e0u bi\u1ec3n); t\u1ea1i \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BT ng\u00e0y 16-01-1990 c\u1ee7a H\u1ed9i \u0111\u1ed3ng Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 t\u1ea1i <em>Quy ch\u1ebf Th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng, <\/em>ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 217\/Q\u0110-NH1 ng\u00e0y 17-8-1996 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam. Nh\u01b0ng B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u00e3 thay th\u1ebf Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1; sau \u0111\u00f3 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP ng\u00e0y 19-11-1999 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 n\u00f3i tr\u00ean \u0111\u00e3 b\u00e3i b\u1ecf \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BT v\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 217\/Q\u0110-NHNN. Do \u0111\u00f3, ch\u1ec9 c\u00f3 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh t\u00e0u bi\u1ec3n l\u00e0 ph\u1ea3i c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c (theo B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i), c\u00f2n c\u00e1c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m kh\u00e1c \u0111\u1ec1u kh\u00f4ng b\u1eaft bu\u1ed9c.<\/li>\n<li>C\u0169ng t\u00e1c gi\u1ea3 D\u01b0\u01a1ng Qu\u1ef3nh Hoa trong b\u00e0i \u201c<em>C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n &#8211; m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m thi h\u00e0nh ngh\u0129a v\u1ee5<\/em>\u201d n\u00f3i tr\u00ean \u0111\u00e3 \u0111\u1ec1 ngh\u1ecb: \u201c<em>s\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 <strong>b\u1eaft bu\u1ed9c<\/strong> <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: \u201c<em>Vi\u1ec7c quy \u0111\u1ecbnh nh\u01b0 v\u1eady c\u1ee7a Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf l\u00e0 <strong>tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a BLDS<\/strong><\/em>\u201d. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t \u0111\u1ec1 ngh\u1ecb sai ph\u00e1p lu\u1eadt. Ngo\u00e0i l\u00fd do nh\u01b0 \u0111\u00e3 ph\u00e2n t\u00edch \u1edf tr\u00ean, c\u00f2n c\u00f3 hai l\u00fd do d\u01b0\u1edbi \u0111\u00e2y:\n<ul>\n<li><em>Th\u1ee9 nh\u1ea5t:<\/em> Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh: \u201c<em>C\u00e1c b\u00ean k\u00fd k\u1ebft c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u l\u00e0m <strong>ch\u1ee9ng th\u01b0<\/strong> <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<em>\u201cph\u1ea3i c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a C\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc\u201d<\/em>.<\/li>\n<li><em>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 \u201c<em>tr\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 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<em> \u201ccho ph\u00e9p\u201d<\/em> r\u1ea5t r\u00f5 r\u00e0ng t\u1ea1i \u0111o\u1ea1n 2, \u0110i\u1ec1u 133: <em>\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.<\/li>\n<\/ul>\n<\/li>\n<li>T\u00e1c gi\u1ea3 Hi\u1ebfu H\u1ea1nh, trong b\u00e0i \u201c<em>C\u1ea7n ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m<\/em>\u201d \u0111\u0103ng tr\u00ean B\u00e1o Ph\u00e1p lu\u1eadt ng\u00e0y 27-11-2003 c\u0169ng \u0111\u00e3 vi\u1ebft: M\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/H\u0110BT ng\u00e0y 16-01-1990 quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf n\u0103m 1989 m\u00e2u thu\u1eabn v\u1edbi c\u00e1c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995, nh\u01b0: Bu\u1ed9c b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 ph\u1ea3i gi\u1eef t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a C\u00f4ng ch\u1ee9ng. Nh\u01b0ng nh\u01b0 ph\u00e2n t\u00edch \u1edf tr\u00ean, \u1edf \u0111\u00e2y kh\u00f4ng h\u1ec1 c\u00f3 s\u1ef1 m\u00e2u thu\u1eabn, v\u00ec Ngh\u1ecb \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb l\u00e2u r\u1ed3i.<\/li>\n<\/ul>\n<h5><strong>4. \u0110\u00e1nh gi\u00e1 kh\u00f4ng ch\u00ednh x\u00e1c v\u1ec1 quy\u1ec1n \u01b0u ti\u00ean thanh to\u00e1n n\u1ee3 c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng:<\/strong><\/h5>\n<ul>\n<li>T\u00e1c gi\u1ea3 L\u00ea Anh Tu\u1ea5n, (C\u1ee5c Thi h\u00e0nh \u00e1n D\u00e2n s\u1ef1, B\u1ed9 T\u01b0 ph\u00e1p) trong b\u00e0i vi\u1ebft &#8220;<em>B\u1ea3o \u0111\u1ea3m thanh to\u00e1n n\u1ee3 cho ng\u01b0\u1eddi nh\u1eadn th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n trong thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1<\/em>&#8220;, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 2, th\u00e1ng 1-1999 th\u00ec cho r\u1eb1ng: Ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c \u01b0u ti\u00ean thanh to\u00e1n n\u1ee3 \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, v\u00ec: \u201c<em>T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cho Ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i \u0111\u01b0\u1ee3c nh\u1eadp chung v\u00e0o kh\u1ed1i t\u00e0i s\u1ea3n c\u00f2n l\u1ea1i c\u1ee7a doanh nghi\u1ec7p v\u00e0 thanh to\u00e1n theo th\u1ee9 t\u1ef1 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 39, Lu\u1eadt Ph\u00e1 s\u1ea3n doanh nghi\u1ec7p<\/em>\u201d. T\u00e1c gi\u1ea3 nh\u1eadn \u0111\u1ecbnh nh\u01b0 v\u1eady, th\u00ec kh\u00e1c n\u00e0o bi\u1ebfn kho\u1ea3n n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m th\u00e0nh n\u1ee3 kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m. T\u00e1c gi\u1ea3 \u0111\u00e3 kh\u00f4ng c\u0103n c\u1ee9 v\u00e0o nh\u1eefng quy \u0111\u1ecbnh kh\u00e1c c\u1ee7a Lu\u1eadt Ph\u00e1 s\u1ea3n doanh nghi\u1ec7p, theo \u0111\u00f3 ch\u1ee7 n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u0111\u01b0\u1ee3c \u01b0u ti\u00ean thanh to\u00e1n tr\u01b0\u1edbc t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00e1c.<\/li>\n<\/ul>\n<h5><strong>5. \u0110\u00e1nh gi\u00e1 kh\u00f4ng ch\u00ednh x\u00e1c v\u1ec1 v\u1ea5n \u0111\u1ec1 u\u1ef7 quy\u1ec1n c\u1ee7a Ng\u00e2n h\u00e0ng:<\/strong><\/h5>\n<ul>\n<li>Lu\u1eadt Tr\u1ecbnh Ng\u1ecdc Kh\u00e1nh (Tr\u01b0\u1edfng Ban Th\u01b0 k\u00fd &#8211; Ph\u00e1p ch\u1ebf, Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n N\u00f4ng th\u00f4n Vi\u1ec7t Nam, trong b\u00e0i &#8220;<em>V\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c quy\u1ec1n nh\u00e2n danh NHNo &amp; PTNT VN k\u00fd k\u1ebft H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 tham gia t\u1ed1 t\u1ee5ng<\/em>&#8221; tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 5, th\u00e1ng 5-2000, \u0111\u00e3 vi\u1ebft: T\u1ed5ng Gi\u00e1m \u0111\u1ed1c kh\u00f4ng \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n cho Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh \u0111\u1ec3 Gi\u00e1m \u0111\u1ed1c u\u1ef7 quy\u1ec1n l\u1ea1i cho Ph\u00f3 Gi\u00e1m \u0111\u1ed1c k\u00fd H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, v\u00ec ph\u00e1p lu\u1eadt H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf kh\u00f4ng c\u00f3 ch\u1ebf \u0111\u1ecbnh u\u1ef7 quy\u1ec1n l\u1ea1i, do \u0111\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c ph\u1ea3i u\u1ef7 quy\u1ec1n tr\u1ef1c ti\u1ebfp cho t\u1eebng ch\u1ee9c danh. N\u00f3i nh\u01b0 v\u1eady, th\u00ec r\u1ea5t nhi\u1ec1u H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng b\u1ecb v\u00f4 hi\u1ec7u v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n \u0111\u00fang ph\u00e1p lu\u1eadt. N\u1ebfu tr\u01b0\u1eddng h\u1ee3p, H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 m\u1ed9t H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 \u1edf trong th\u1eddi \u0111i\u1ec3m tr\u01b0\u1edbc khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c th\u00ec \u0111\u00fang l\u00e0 nh\u01b0 v\u1eady. Nh\u01b0ng H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u1ea1i c\u00f3 th\u1ec3 l\u00e0 H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf ho\u1eb7c c\u00f3 th\u1ec3 l\u00e0 H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1, n\u00ean nh\u1eadn \u0111\u1ecbnh n\u00e0y l\u00e0 kh\u00f4ng ch\u00ednh x\u00e1c. V\u00e0 \u0111\u1eb7c bi\u1ec7t, t\u1eeb ng\u00e0y 1-7-1996 tr\u1edf \u0111i, th\u00ec quy \u0111\u1ecbnh v\u1ec1 u\u1ef7 quy\u1ec1n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (m\u1ed9t v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt n\u1ec1n t\u1ea3ng cho c\u00e1c giao d\u1ecbch kinh t\u1ebf, d\u00e2n s\u1ef1), m\u1eb7c nhi\u00ean \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho c\u1ea3 c\u00e1c H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf.<\/li>\n<li>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), trong 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 \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 7-2002, \u0111\u00e3 vi\u1ebft: 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 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng cho Gi\u00e1m \u0111\u1ed1c, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c c\u00e1c Chi nh\u00e1nh, Tr\u01b0\u1edfng ph\u00f2ng Chi nh\u00e1nh c\u1ea5p 1, Tr\u01b0\u1edfng Ph\u00f2ng Giao d\u1ecbch v\u00e0 chuy\u00ean vi\u00ean ph\u00e1p ch\u1ebf, ch\u1ebf \u0111\u1ed9 \u201c<em>l\u00e0 vi\u1ec7c u\u1ef7 quy\u1ec1n tr\u00e0n lan <strong>kh\u00f4ng \u0111\u00fang theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/strong><\/em>\u201d. V\u00ec ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u c\u01a1 quan ch\u1ec9 \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n cho \u201c<em>c\u1ea5p ph\u00f3 c\u00f3 quy\u1ec1n n\u0103ng ph\u00e1p l\u00fd sau m\u00ecnh<\/em>\u201d. N\u1ebfu nh\u01b0 v\u1eady, th\u00ec ch\u1eb3ng l\u1ebd l\u00e2u nay, c\u00e1c Ng\u00e2n h\u00e0ng \u0111\u1ec1u l\u00e0m sai v\u00e0 c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt v\u1eabn ch\u1ea5p nh\u1eadn vi\u1ec7c u\u1ef7 quy\u1ec1n sai ph\u00e1p lu\u1eadt? Th\u1ef1c ra, t\u00e1c gi\u1ea3 \u0111\u00e3 v\u00f4 c\u1edb h\u1ea1n ch\u1ebf ph\u1ea1m vi u\u1ef7 quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a doanh nghi\u1ec7p, \u0111i ng\u01b0\u1ee3c l\u1ea1i quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. V\u1ec1 nguy\u00ean t\u1eafc, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n cho b\u1ea5t k\u1ef3 ng\u01b0\u1eddi n\u00e0o, k\u1ec3 c\u1ea3 ng\u01b0\u1eddi ngo\u00e0i Ng\u00e2n h\u00e0ng.<\/li>\n<\/ul>\n<h5><strong>6. \u0110\u00e1nh gi\u00e1 kh\u00f4ng \u0111\u00fang v\u1ec1 t\u00ednh ch\u1ea5t ph\u00e1p l\u00fd c\u1ee7a H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng:<\/strong><\/h5>\n<ul>\n<li>T\u00e1c gi\u1ea3 V\u0129nh Th\u00e1i (Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1ec9nh Ph\u00fa Th\u1ecd), trong b\u00e0i &#8220;<em>V\u1ec1 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng\u201d<\/em> \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 19, th\u00e1ng 9-1998 v\u00e0 Lu\u1eadt s\u01b0 Ph\u1ea1m Thanh B\u00ecnh (Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam) gi\u1ea3i \u0111\u00e1p ph\u00e1p lu\u1eadt tr\u00ean Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng s\u1ed1 55, ng\u00e0y 8-12-1998 \u0111\u00e3 vi\u1ebft: &#8220;<em>C\u00e1 nh\u00e2n c\u00f3 \u0111\u0103ng k\u00fd kinh doanh m\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 doanh nghi\u1ec7p t\u01b0 nh\u00e2n (theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p t\u01b0 nh\u00e2n) th\u00ec d\u00f9 h\u1ecd c\u00f3 k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi m\u1ee5c \u0111\u00edch s\u1ea3n xu\u1ea5t kinh doanh th\u00ec \u0111\u00f3 c\u0169ng ch\u1ec9 l\u00e0 H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf<\/em>\u201d. \u0110i\u1ec1u n\u00e0y ch\u1ec9 \u0111\u00fang trong m\u1ed9t giai \u0111o\u1ea1n ng\u1eafn, t\u1eeb sau khi c\u00f3 C\u00f4ng v\u0103n s\u1ed1 442\/KHXX ng\u00e0y 18-7-1994 v\u00e0 C\u00f4ng v\u0103n s\u1ed1 11\/KHXX ng\u00e0y 23-01-1996 c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao (gi\u1ea3i th\u00edch c\u00e1 nh\u00e2n c\u00f3 \u0111\u0103ng k\u00fd kinh doanh l\u00e0 doanh nghi\u1ec7p t\u01b0 nh\u00e2n). C\u00f2n tr\u01b0\u1edbc \u0111\u00f3, Th\u00f4ng t\u01b0 s\u1ed1 11\/TT-TTKT ng\u00e0y 23-5-1992 c\u1ee7a Tr\u1ecdng t\u00e0i Kinh t\u1ebf Nh\u00e0 n\u01b0\u1edbc v\u00e0 sau \u0111\u00f3 l\u00e0 Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 04\/TTLT\/TA-VKS ng\u00e0y 26-8-1996 c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao v\u00e0 Vi\u1ec7n Ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao \u0111\u00e3 kh\u1eb3ng \u0111\u1ecbnh: <em>C\u00e1 nh\u00e2n c\u00f3 \u0111\u0103ng k\u00fd kinh doanh<\/em> \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 bao g\u1ed3m c\u1ea3 c\u00e1 nh\u00e2n c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh (h\u1ed9 kinh doanh c\u00e1 th\u1ec3);<\/li>\n<li>T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 14, th\u00e1ng 7-1998, c\u00f3 b\u00e0i &#8220;<em>H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng: Kinh t\u1ebf hay d\u00e2n s\u1ef1?<\/em>&#8220;, t\u00e1c gi\u1ea3 Mai Anh \u0111\u00e3 vi\u1ebft: Tr\u01b0\u1edbc kia \u201c<em>H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c li\u1ec7t v\u00e0o nh\u00f3m H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf\u201d<\/em>. C\u00f2n t\u1eeb khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c th\u00ec \u201c<em>V\u1edbi m\u1ee5c 4, ch\u01b0\u01a1ng II: &#8220;H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n&#8221;, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u00e3 m\u1eb7c nhi\u00ean c\u00f4ng nh\u1eadn <strong>H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1<\/strong>&#8220;. <\/em>Ng\u01b0\u1ee3c l\u1ea1i, Lu\u1eadt Tr\u1ecbnh Ng\u1ecdc Kh\u00e1nh trong b\u00e0i &#8220;<em>V\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c quy\u1ec1n nh\u00e2n danh Ng\u00e2n h\u00e0ng NHNo &amp; PTNT VN k\u00fd k\u1ebft H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 tham gia t\u1ed1 t\u1ee5ng<\/em>&#8221; n\u00f3i tr\u00ean, th\u00ec l\u1ea1i cho r\u1eb1ng: H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 <em>\u201cb\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd l\u00e0 H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf.<\/em>\u201d<\/li>\n<\/ul>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf n\u0103m 1989 v\u00e0 Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 n\u0103m 1991, nay l\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec ch\u01b0a bao gi\u1edd H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ch\u1ec9 l\u00e0 H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 ng\u01b0\u1ee3c l\u1ea1i, c\u0169ng kh\u00f4ng th\u1ec3 cho r\u1eb1ng H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ch\u1ec9 l\u00e0 H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1. Tu\u1ef3 theo t\u1eebng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng v\u00e0 m\u1ee5c \u0111\u00edch vay v\u1ed1n m\u00e0 H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 l\u00e0 H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf hay H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1.<\/p>\n<p>Vi\u1ec7c \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt \u0111\u1ec3 xem x\u00e9t, x\u1eed l\u00fd s\u1ebd b\u1ecb sai l\u1ea7m, n\u1ebfu trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p th\u00f4ng th\u01b0\u1eddng nh\u1ea5t \u0111\u00e3 kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf hay l\u00e0 H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1.<\/p>\n<p>***<\/p>\n<p>Quan \u0111i\u1ec3m c\u1ee7a c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd, nh\u00e0 nghi\u00ean c\u1ee9u, nh\u00e0 khoa h\u1ecdc v\u00e0 nh\u00e0 ho\u1ea1t \u0111\u1ed9ng th\u1ef1c ti\u1ec5n tr\u00ean b\u00e1o ch\u00ed \u0111\u00e3 thi\u1ebfu ch\u00ednh x\u00e1c nh\u01b0 th\u1ebf, th\u00ec tr\u00ean th\u1ef1c t\u1ebf, ch\u1eafc ch\u1eafn c\u00f2n x\u1ea3y ra s\u1ef1 nh\u1ea7m l\u1eabn ph\u1ed5 bi\u1ebfn h\u01a1n n\u1eefa. \u0110\u00f3 c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn c\u00e1c h\u00e0nh \u0111\u1ed9ng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf.<\/p>\n<hr \/>\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 \u0111\u00e3 \u0111\u01b0\u1ee3c T\u1ea1p ch\u00ed Th\u01b0\u01a1ng m\u1ea1i (B\u1ed9 Th\u01b0\u01a1ng m\u1ea1i) \u0111\u0103ng s\u1ed1 25\/7-2004 v\u00e0 Th\u00f4ng tin Khoa h\u1ecdc Ph\u00e1p l\u00fd (B\u1ed9 T\u01b0 ph\u00e1p) \u0111\u0103ng s\u1ed1 6+7\/2004 (\u0111\u1ec1u t\u1ef1 l\u1ea5y):<\/u><\/em><\/strong><\/p>\n<p>B\u00e0i vi\u1ebft tham gia H\u1ed9i th\u1ea3o h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf d\u00e2n s\u01b0 do B\u1ed9 T\u01b0 ph\u00e1p t\u1ed5 ch\u1ee9c<\/p>\n<p><em>H\u00e0 N\u1ed9i 01-2004<\/em><\/p>\n<p><em>(3.894)<\/em>","protected":false},"excerpt":{"rendered":"<p>Hi\u1ec3u sai c\u00e1c quy \u0111\u1ecbnh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng &#8211; M\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf. (TCTM) &#8211; C\u00f3 nhi\u1ec1u nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf, trong \u0111\u00f3 nguy\u00ean nh\u00e2n s\u00e2u xa l\u00e0 ch\u1ebf \u0111\u1ed9 ta \u0111\u00e3 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5076,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[49,36],"class_list":["post-5075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-hinh-su","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>68. Hi\u1ec3u sai c\u00e1c quy \u0111\u1ecbnh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng - M\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"C\u00f3 nhi\u1ec1u nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 kinh t\u1ebf, trong \u0111\u00f3 nguy\u00ean nh\u00e2n s\u00e2u xa l\u00e0 ch\u1ebf \u0111\u1ed9 ta \u0111\u00e3 kh\u00f4ng th\u1eeba nh\u1eadn...\" \/>\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\/vi\/68-hieu-sai-cac-quy-dinh-trong-linh-vuc-ngan-hang-mot-trong-nhung-nguyen-nhan-dan-den-tinh-trang-hinh-su-hoa-quan-he-kinh-te\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]68. 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