{"id":5078,"date":"2004-09-02T16:49:05","date_gmt":"2004-09-02T09:49:05","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5078"},"modified":"2024-11-13T11:30:45","modified_gmt":"2024-11-13T04:30:45","slug":"69-ky-thuat-soan-thao-van-ban-phap-quy-cua-nhnn","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/69-ky-thuat-soan-thao-van-ban-phap-quy-cua-nhnn\/","title":{"rendered":"69. K\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o v\u0103n b\u1ea3n ph\u00e1p quy c\u1ee7a NHNN."},"content":{"rendered":"

<\/a><\/h1>\n

K\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o v\u0103n b\u1ea3n ph\u00e1p quy c\u1ee7a NHNN<\/span><\/h4>\n
(TCNH) – Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ban h\u00e0nh h\u00e0ng ngh\u00ecn v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt (VBPQ) \u0111i\u1ec1u ch\u1ec9nh c\u00e1c ho\u1ea1t \u0111\u1ed9ng Ng\u00e2n h\u00e0ng. Ngo\u00e0i ra, NHNN c\u0169ng ch\u1ee7 tr\u00ec so\u1ea1n th\u1ea3o nhi\u1ec1u v\u0103n b\u1ea3n c\u1ee7a Qu\u1ed1c h\u1ed9i, U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i, Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u00e0 li\u00ean ng\u00e0nh kh\u00e1c.<\/strong><\/h5>\n

Nh\u00ecn chung, c\u00e1c VBPQ do NHNN so\u1ea1n th\u1ea3o ph\u1ee9c t\u1ea1p, phong ph\u00fa v\u1ec1 chuy\u00ean m\u00f4n v\u00e0 c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng kh\u00e1 t\u1ed1t, \u0111\u00e3 g\u00f3p ph\u1ea7n quan tr\u1ecdng v\u00e0o vi\u1ec7c qu\u1ea3n l\u00fd h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang v\u00e0 n\u1ec1n kinh t\u1ebf – x\u00e3 h\u1ed9i n\u00f3i chung.<\/p>\n

B\u00e0i vi\u1ebft n\u00e0y ch\u1ec9 tham gia m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 h\u00ecnh th\u1ee9c v\u00e0 k\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, nh\u1eb1m g\u00f3p ph\u1ea7n ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n \u0111\u1ecbnh ch\u1ebf trong l\u0129nh v\u1ef1c Ng\u00e2n h\u00e0ng.<\/p>\n

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  1. \n
    V\u1ec1 h\u00ecnh th\u1ee9c VBPQ:<\/strong><\/h5>\n<\/li>\n<\/ol>\n

    Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt<\/em> n\u0103m 1997, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2002, th\u00ec VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n b\u1eb1ng m\u1ed9t trong 3 h\u00ecnh th\u1ee9c l\u00e0: Quy\u1ebft \u0111\u1ecbnh, Th\u00f4ng t\u01b0 v\u00e0 Ch\u1ec9 th\u1ecb. Ngo\u00e0i ra, c\u00f2n c\u00f3 c\u00e1c VBPQ ph\u1ee5 nh\u01b0 Quy ch\u1ebf, Quy \u0111\u1ecbnh, Ch\u1ebf \u0111\u1ed9,… k\u00e8m theo c\u00e1c Quy\u1ebft \u0111\u1ecbnh. Tuy nhi\u00ean, c\u0169ng c\u00f2n c\u00f3 t\u00ecnh tr\u1ea1ng Th\u1ed1ng \u0111\u1ed1c NHNN ban h\u00e0nh C\u00f4ng v\u0103n, trong \u0111\u00f3 ch\u1ee9a \u0111\u1ef1ng c\u00e1c quy ph\u1ea1m ph\u00e1p lu\u1eadt \u0111\u1ec3 thay cho Quy\u1ebft \u0111\u1ecbnh, Ch\u1ec9 th\u1ecb ho\u1eb7c Th\u00f4ng t\u01b0. V\u00ed d\u1ee5:<\/p>\n

    – C\u00f4ng v\u0103n s\u1ed1 34\/CV-NHNN1 ng\u00e0y 07-01-2000 v\u1ec1 vi\u1ec7c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi c\u00e1n b\u1ed9, c\u00f4ng nh\u00e2n vi\u00ean v\u00e0 thu n\u1ee3 t\u1eeb ti\u1ec1n l\u01b0\u01a1ng, tr\u1ee3 c\u1ea5p v\u00e0 c\u00e1c kho\u1ea3n thu nh\u1eadp kh\u00e1c;<\/p>\n

    – C\u00f4ng v\u0103n s\u1ed1 1132\/CV-NHNN ng\u00e0y 18-10-2002 v\u1ec1 cho vay c\u1ea7m c\u1ed1 b\u1eb1ng gi\u1ea5y t\u1edd c\u00f3 gi\u00e1.<\/p>\n

    Tuy nhi\u00ean, vi\u1ec7c ban h\u00e0nh C\u00f4ng v\u0103n thay cho Quy\u1ebft \u0111\u1ecbnh, Th\u00f4ng t\u01b0, Ch\u1ec9 th\u1ecb c\u0169ng di\u1ec5n ra \u1edf h\u1ea7u h\u1ebft c\u00e1c b\u1ed9, ng\u00e0nh kh\u00e1c. Ch\u01b0\u01a1ng tr\u00ecnh C\u01a1 s\u1edf d\u1eef li\u1ec7u Lu\u1eadt Vi\u1ec7t Nam<\/em> c\u1ee7a Trung t\u00e2m Th\u00f4ng tin – Th\u01b0 vi\u1ec7n v\u00e0 Nghi\u00ean c\u1ee9u Khoa h\u1ecdc (V\u0103n ph\u00f2ng Qu\u1ed1c h\u1ed9i) c\u0169ng nh\u01b0 \u1ea5n ph\u1ea9m \u201cC\u00e1c v\u0103n b\u1ea3n ph\u00e1p quy<\/em>\u201d c\u1ee7a Trung t\u00e2m Th\u00f4ng tin Th\u01b0\u01a1ng m\u1ea1i (B\u1ed9 Th\u01b0\u01a1ng m\u1ea1i) l\u00e0 n\u01a1i chuy\u00ean \u0111\u0103ng t\u1ea3i c\u00e1c VBPQ, nh\u01b0ng c\u0169ng c\u00f3 \u0111\u1ebfn 10-15% s\u1ed1 v\u0103n b\u1ea3n l\u00e0 c\u00e1c C\u00f4ng v\u0103n.<\/p>\n

    Nh\u00e2n \u0111\u00e2y, c\u0169ng xin n\u00f3i th\u00eam v\u1ec1 \u00fd ki\u1ebfn c\u1ee7a t\u00e1c gi\u1ea3 Nguy\u1ec5n V\u0103n Ph\u01b0\u01a1ng trong b\u00e0i vi\u1ebft \u201cB\u00e0n th\u00eam v\u1ec1 quy \u0111\u1ecbnh chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n<\/em>\u201d \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed Th\u1ecb tr\u01b0\u1eddng – T\u00e0i ch\u00ednh – Ti\u1ec1n t\u1ec7 s\u1ed1 11-2002 cho r\u1eb1ng: V\u0103n b\u1ea3n c\u1ee7a Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c l\u00e0 v\u0103n b\u1ea3n \u201cc\u1ee7a c\u1ea5p d\u01b0\u1edbi<\/em>\u201d, do \u0111\u00f3 c\u00f3 hi\u1ec7u l\u1ef1c th\u1ea5p h\u01a1n v\u0103n b\u1ea3n c\u1ee7a Th\u1ed1ng \u0111\u1ed1c, l\u00e0 v\u0103n b\u1ea3n \u201cc\u1ee7a c\u1ea5p tr\u00ean<\/em>\u201d. \u0110\u00e2y l\u00e0 m\u1ed9t \u00fd ki\u1ebfn kh\u00f4ng \u0111\u00fang. Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c k\u00fd thay Th\u1ed1ng \u0111\u1ed1c, th\u00ec v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, \u0111\u00f3 c\u0169ng ch\u00ednh l\u00e0 v\u0103n b\u1ea3n c\u1ee7a Th\u1ed1ng \u0111\u1ed1c, ch\u1ec9 l\u00e0 m\u1ed9t c\u1ea5p ban h\u00e0nh v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd nh\u01b0 nhau. V\u00ec th\u1ebf, kh\u00f4ng \u00edt VBPQ do Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c k\u00fd \u0111\u00e3 b\u00e3i b\u1ecf c\u00e1c VBPQ c\u0169 m\u00e0 ng\u01b0\u1eddi k\u00fd tr\u01b0\u1edbc \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 Th\u1ed1ng \u0111\u1ed1c.<\/p>\n

    Ngo\u00e0i ra, c\u00f2n nhi\u1ec1u C\u00f4ng v\u0103n c\u1ee7a NHNN (kh\u00f4ng ch\u1ee9a \u0111\u1ef1ng quy ph\u1ea1m ph\u00e1p lu\u1eadt) l\u1ea5y s\u1ed1 v\u0103n b\u1ea3n v\u00e0 \u0111\u00f3ng d\u1ea5u c\u1ee7a c\u01a1 quan NHNN, do Ch\u00e1nh V\u0103n ph\u00f2ng k\u00fd th\u1eeba l\u1ec7nh Th\u1ed1ng \u0111\u1ed1c, nh\u01b0ng l\u1ea1i ghi \u201cth\u1eeba l\u1ec7nh Th\u1ed1ng \u0111\u1ed1c NHNN, V\u0103n ph\u00f2ng xin th\u00f4ng b\u00e1o<\/em>\u201d. \u0110\u00e2y l\u00e0 s\u1ef1 thi\u1ebfu ch\u00ednh x\u00e1c v\u1ec1 h\u00ecnh th\u1ee9c, v\u00ec C\u00f4ng v\u0103n k\u00fd th\u1eeba l\u1ec7nh Th\u1ed1ng \u0111\u1ed1c c\u0169ng ch\u00ednh l\u00e0 v\u0103n b\u1ea3n c\u1ee7a Th\u1ed1ng \u0111\u1ed1c, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 c\u1ee7a V\u0103n ph\u00f2ng NHNN. C\u00e2u \u201cth\u1eeba l\u1ec7nh Th\u1ed1ng \u0111\u1ed1c NHNN, V\u0103n ph\u00f2ng xin th\u00f4ng b\u00e1o<\/em>\u201d ch\u1ec9 \u0111\u00fang trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3 l\u00e0 v\u0103n b\u1ea3n \u0111\u00f3ng d\u1ea5u c\u1ee7a V\u0103n ph\u00f2ng NHNN.<\/p>\n

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      V\u1ec1 \u0111\u1eb7t t\u00ean g\u1ecdi c\u00e1c VBPQ:<\/strong><\/h5>\n<\/li>\n<\/ol>\n

      T\u00ean VPBPQ \u0111\u1ec3 ph\u00e2n bi\u1ec7t v\u1edbi c\u00e1c v\u0103n b\u1ea3n kh\u00e1c, c\u1ea7n vi\u1ebft h\u1ebft s\u1ee9c ng\u1eafn g\u1ecdn, kh\u00f4ng nh\u1ea5t thi\u1ebft di\u1ec5n \u0111\u1ea1t qu\u00e1 c\u1ee5 th\u1ec3 v\u1edbi n\u1ed9i dung b\u00ean trong v\u0103n b\u1ea3n. V\u00ed d\u1ee5:<\/p>\n

      – C\u1ee5m t\u1eeb \u201cc\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n\u201d <\/em>ch\u1ec9 c\u1ea7n \u0111\u01b0a v\u00e0o n\u1ed9i dung, kh\u00f4ng n\u00ean \u0111\u01b0a v\u00e0o t\u00ean Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1087\/2001\/Q\u0110-NHNN ng\u00e0y 27-8-2001Quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, Ban ki\u1ec3m so\u00e1t, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n<\/em>;<\/p>\n

      – C\u1ea7n b\u1ecf c\u1ea3 \u0111o\u1ea1n \u201c…theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 893\/Q\u0110-2001\/NHNN… nhu c\u1ea7u v\u1ed1n ng\u1eafn h\u1ea1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng<\/em>\u201d trong c\u00e1i t\u00ean qu\u00e1 d\u00e0i l\u00e0: Quy\u1ebft \u0111\u1ecbnh s\u1ed1 894\/2001\/Q\u0110-NHNN ng\u00e0y 17-7-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN<\/em> V\u1ec1 t\u1ef7 gi\u00e1 NHNN \u00e1p d\u1ee5ng khi b\u00e1n l\u1ea1i \u0110\u00f4 la M\u1ef9 cho c\u00e1c ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n nghi\u1ec7p v\u1ee5 ho\u00e1n \u0111\u1ed5i ngo\u1ea1i t\u1ec7 theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 893\/Q\u0110-2001\/NHNN ng\u00e0y 17-7-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN V\u1ec1 vi\u1ec7c th\u1ef1c hi\u1ec7n nghi\u1ec7p v\u1ee5 ho\u00e1n \u0111\u1ed5i ngo\u1ea1i t\u1ec7 qua NHNN v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n ng\u1eafn h\u1ea1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng<\/em>. (trong khi \u0111\u00f3, ph\u1ea7n n\u1ed9i dung c\u1ee7a Quy\u1ebft \u0111\u1ecbnh s\u1ed1 894<\/em> th\u00ec l\u1ea1i kh\u00f4ng h\u1ec1 nh\u1eafc \u0111\u1ebfn Quy\u1ebft \u0111\u1ecbnh s\u1ed1 893<\/em>).<\/p>\n

      Ph\u1ea7n l\u1edbn c\u00e1c \u0111i\u1ec1u<\/em> trong VBPQ n\u00f3i chung, c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN n\u00f3i ri\u00eang c\u00f2n ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1eb7t t\u00ean g\u1ecdi ri\u00eang (kh\u00f4ng c\u00f3 \u0111\u1ec1 m\u1ee5c). Kh\u00f4ng c\u00f3 t\u00ean \u0111i\u1ec1u<\/em>, nhi\u1ec1u khi \u0111\u01b0a n\u1ed9i dung c\u1ee7a \u0111i\u1ec1u<\/em> n\u00e0y v\u00e0o n\u1ed9i dung c\u1ee7a \u0111i\u1ec1u<\/em> kh\u00e1c \u0111\u1ec1u \u0111\u01b0\u1ee3c. Tr\u00ean th\u1ef1c t\u1ebf, c\u00f3 nhi\u1ec1u \u0111i\u1ec1u<\/em> trong c\u00e1c VBPQ hi\u1ec7n nay kh\u00f4ng th\u1ec3 \u0111\u1eb7t \u0111\u01b0\u1ee3c t\u00ean g\u1ecdi, v\u00ec kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c kh\u00e1i qu\u00e1t v\u1ea5n \u0111\u1ec1 c\u1ea7n quy \u0111\u1ecbnh. Nh\u1eefng \u0111i\u1ec1u<\/em> n\u00e0y th\u01b0\u1eddng ch\u1ee9a \u0111\u1ef1ng nhi\u1ec1u n\u1ed9i dung lan man, thi\u1ebfu t\u1eadp trung. Vi\u1ec7c \u0111\u1eb7t t\u00ean \u0111i\u1ec1u s\u1ebd ti\u1ec7n l\u1ee3i cho vi\u1ec7c n\u1eafm b\u1eaft, theo d\u00f5i, tra c\u1ee9u, vi\u1ec7n d\u1eabn v\u00e0 \u00e1p d\u1ee5ng. V\u00e0 \u0111i\u1ec1u quan tr\u1ecdng h\u01a1n l\u00e0, c\u00f3 nh\u01b0 v\u1eady th\u00ec m\u1edbi b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c s\u1ef1 r\u00f5 r\u00e0ng, ch\u00ednh x\u00e1c c\u00e1c n\u1ed9i dung trong m\u1ed9t \u0111i\u1ec1u<\/em>, tr\u00e1nh t\u00ecnh tr\u1ea1ng m\u1ed9t n\u1ed9i dung c\u00f3 th\u1ec3 \u0111\u01b0a v\u00e0o \u0111i\u1ec1u<\/em> n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c.<\/p>\n

      B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1<\/em> n\u0103m 1995, Lu\u1eadt Doanh nghi\u1ec7p<\/em> n\u0103m 1999, 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 TCTD<\/em>,… l\u00e0 nh\u1eefng VBPQ \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1eb7t t\u00ean ri\u00eang cho t\u1eebng \u0111i\u1ec1u <\/em>r\u1ea5t r\u00f5 r\u00e0ng. Nh\u01b0ng, b\u00ean c\u1ea1nh \u0111\u00f3, c\u00f3 m\u1ed9t s\u1ed1 VBPQ, \u0111i\u1ec1u<\/em> n\u00e0y c\u00f3 t\u00ean ri\u00eang, \u0111i\u1ec1u<\/em> kh\u00e1c th\u00ec l\u1ea1i kh\u00f4ng ho\u1eb7c c\u00f3 t\u00ean \u0111i\u1ec1u<\/em> nh\u01b0ng l\u1ea1i \u0111\u01b0\u1ee3c vi\u1ebft nh\u01b0 m\u1ed9t l\u1eddi d\u1eabn ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c vi\u1ebft nh\u01b0 m\u1ed9t \u0111\u1ec1 m\u1ee5c. V\u00ed d\u1ee5:<\/p>\n

      – Quy \u0111\u1ecbnh v\u1ec1 x\u00e2y d\u1ef1ng, c\u1ea5p ph\u00e1t, s\u1eed d\u1ee5ng v\u00e0 qu\u1ea3n l\u00fd ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed tr\u00ean ch\u1ee9ng t\u1eeb \u0111i\u1ec7n t\u1eed trong thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 543\/2002\/Q\u0110-NHNN ng\u00e0y 29-5-2002, ch\u1ec9 c\u00f3 4\/26 \u0111i\u1ec1u<\/em> c\u00f3 t\u00ean \u0111i\u1ec1u<\/em>.<\/p>\n

      – Quy ch\u1ebf l\u00e0m vi\u1ec7c c\u1ee7a Ban \u0110i\u1ec1u h\u00e0nh h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean Ng\u00e2n h\u00e0ng<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 681\/2002\/Q\u0110-NHNN ng\u00e0y 01-7-2002, c\u00e1c \u0111i\u1ec1u<\/em> 1, 2, 9 v\u00e0 10 kh\u00f4ng c\u00f3 t\u00ean \u0111i\u1ec1u<\/em>, trong khi c\u00e1c \u0111i\u1ec1u<\/em> c\u00f2n l\u1ea1i th\u00ec c\u00f3 t\u00ean \u0111i\u1ec1u<\/em>. Ri\u00eang \u0110i\u1ec1u 9, thay v\u00ec ghi t\u00ean \u0110i\u1ec1u l\u00e0 C\u00e1c quy\u1ec1n l\u1ee3i c\u1ee7a th\u00e0nh vi\u00ean Ban \u0110i\u1ec1u h\u00e0nh<\/em> nh\u01b0 t\u00ean c\u00e1c \u0111i\u1ec1u<\/em> kh\u00e1c, th\u00ec l\u1ea1i vi\u1ebft th\u00e0nh \u201cTh\u00e0nh vi\u00ean \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c quy\u1ec1n l\u1ee3i sau<\/em>\u201d;<\/p>\n

      – M\u1ed9t v\u0103n b\u1ea3n kh\u00e1c do NHNN so\u1ea1n th\u1ea3o l\u00e0 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 TCTD, \u0110i\u1ec1u 20 c\u00f3 t\u00ean l\u00e0: \u201c\u0110i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n<\/em>\u201d; nh\u01b0ng sau khi \u0111\u01b0\u1ee3c Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 85\/2002\/N\u0110-CP ng\u00e0y 25-10-2002 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung th\u00ec t\u00ean \u0110i\u1ec1u<\/em> n\u00e0y l\u1ea1i b\u1ecb vi\u1ebft sai th\u00e0nh \u201cKh\u00e1ch h\u00e0ng vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n ph\u1ea3i c\u00f3 \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau \u0111\u00e2y<\/em>\u201d.<\/p>\n

        \n
      1. \n
        V\u1ec1 k\u1ebft c\u1ea5u ch\u01b0\u01a1ng<\/em> trong c\u00e1c VBPQ:<\/strong><\/h5>\n<\/li>\n<\/ol>\n

        Ph\u1ea7n l\u1edbn c\u00e1c Quy ch\u1ebf<\/em>, Quy \u0111\u1ecbnh<\/em> (VBPQ ph\u1ee5), ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng theo m\u1ed9t k\u1ebft c\u1ea5u t\u1ed5ng th\u1ec3 ch\u1ec9 g\u1ed3m c\u00f3 3 ch\u01b0\u01a1ng<\/em> (ho\u1eb7c 3 ph\u1ea7n<\/em> ho\u1eb7c 3 m\u1ee5c<\/em>):<\/p>\n

        – Quy \u0111\u1ecbnh chung <\/em>(ho\u1eb7c C\u00e1c quy \u0111\u1ecbnh chung, Nh\u1eefng quy \u0111\u1ecbnh chung);<\/em><\/p>\n

        – Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> (ho\u1eb7c C\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em>);<\/p>\n

        – \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh <\/em>(ho\u1eb7c \u0110i\u1ec1u kho\u1ea3n cu\u1ed1i c\u00f9ng)<\/em>.<\/p>\n

        \u0110\u1eb7c bi\u1ec7t l\u00e0 m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n r\u1ea5t ng\u1eafn nh\u01b0ng v\u1eabn \u0111\u01b0\u1ee3c chia th\u00e0nh 3 ch\u01b0\u01a1ng <\/em>l\u00e0:<\/p>\n

        – Quy ch\u1ebf Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ban \u0110i\u1ec1u h\u00e0nh qu\u1ea3n l\u00fd d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i Nh\u00e0 n\u01b0\u1edbc<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1278\/2001\/Q\u0110-NHNN ng\u00e0y 09-10-2001, ch\u1ec9 c\u00f3 8 \u0111i\u1ec1u<\/em> nh\u01b0ng c\u0169ng chia th\u00e0nh 3 ch\u01b0\u01a1ng<\/em>.<\/p>\n

        – Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c thu h\u1ed3i v\u00e0 \u0111\u1ed5i c\u00e1c lo\u1ea1i ti\u1ec1n gi\u1ea5y kh\u00f4ng \u0111\u1ee7 ti\u00eau chu\u1ea9n l\u01b0u th\u00f4ng<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1344\/Q\u0110-NHNN ng\u00e0y 29-10-2001, ch\u1ec9 c\u00f3 10 \u0111i\u1ec1u<\/em> nh\u01b0ng c\u0169ng chia th\u00e0nh 4 ch\u01b0\u01a1ng<\/em>.<\/p>\n

        Trong s\u1ed1 c\u00e1c ch\u01b0\u01a1ng<\/em> \u0111\u00f3, hai ch\u01b0\u01a1ng<\/em> Quy \u0111\u1ecbnh chung<\/em> v\u00e0 \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh<\/em> th\u01b0\u1eddng n\u1eb7ng v\u1ec1 th\u1ee7 t\u1ee5c, h\u00ecnh th\u1ee9c, c\u00f2n n\u1ed9i dung ch\u00ednh c\u1ee7a v\u0103n b\u1ea3n ch\u1ec9 c\u00f2n t\u1eadp trung \u1edf m\u1ed9t ch\u01b0\u01a1ng<\/em> Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em>. Vi\u1ec7c x\u00e2y d\u1ef1ng k\u1ebft c\u1ea5u 3 ch\u01b0\u01a1ng<\/em> nh\u01b0 v\u1eady s\u1ebd kh\u00f4ng th\u1ec3 hi\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3n ch\u1ea5t, vai tr\u00f2, \u00fd ngh\u0129a v\u00e0 n\u1ed9i dung c\u1ee7a m\u1ed9t VBPQ, kh\u00f4ng l\u00e0m r\u00f5 \u0111\u01b0\u1ee3c c\u00e1c v\u1ea5n \u0111\u1ec1 ch\u1ee7 y\u1ebfu m\u00e0 c\u00e1c VBPQ \u0111ang \u0111\u1ec1 c\u1eadp \u0111\u1ebfn. V\u00ed d\u1ee5:<\/p>\n

        – Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c ph\u00e2n lo\u1ea1i t\u00e0i s\u1ea3n \u201cC\u00f3\u201d, tr\u00edch l\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a TCTD<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 488\/2000\/Q\u0110-NHNN5 ng\u00e0y 27-11-2000 ch\u1ec9 c\u00f3 3 ch\u01b0\u01a1ng<\/em>: Nh\u1eefng quy \u0111\u1ecbnh chung, Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> v\u00e0 \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh<\/em>. Ri\u00eang ch\u01b0\u01a1ng<\/em> II c\u00f3 11 \u0111i\u1ec1u<\/em> v\u00e0 \u0111\u01b0\u1ee3c chia th\u00e0nh 4 m\u1ee5c<\/em> l\u00e0: Ph\u00e2n lo\u1ea1i t\u00e0i s\u1ea3n c\u00f3; Tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng; S\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng<\/em> v\u00e0 H\u1ea1ch to\u00e1n, b\u00e1o c\u00e1o, x\u1eed l\u00fd vi ph\u1ea1m<\/em>. To\u00e0n b\u1ed9 v\u0103n b\u1ea3n tr\u00ean t\u1eadp trung quy \u0111\u1ecbnh v\u1ec1 v\u1ea5n \u0111\u1ec1 Tr\u00edch l\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng<\/em>, do \u0111\u00f3 th\u1eadt b\u1ea5t h\u1ee3p l\u00fd khi 4 m\u1ee5c<\/em> ch\u1ee7 y\u1ebfu n\u00e0y l\u1ea1i \u0111\u01b0\u1ee3c d\u1ed3n chung v\u00e0o m\u1ed9t ch\u01b0\u01a1ng<\/em> v\u1edbi ti\u00eau \u0111\u1ec1 Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em>, kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u01b0\u1ee3c y\u1ebfu t\u1ed1 \u201cchuy\u00ean m\u00f4n<\/em>\u201d, kh\u00f4ng c\u00f3 s\u1ef1 ph\u00e2n bi\u1ec7t kh\u00e1c nhau gi\u1eefa Quy \u0111\u1ecbnh n\u00e0y v\u1edbi v\u0103n b\u1ea3n kh\u00e1c. \u201cNh\u1eefng quy \u0111\u1ecbnh chi ti\u1ebft<\/em>\u201d \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng v\u0103n b\u1ea3n n\u00e0y l\u00e0 m\u1ed9t c\u1ee5m t\u1eeb ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 \u00fd ngh\u0129a c\u1ea3 v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd v\u00e0 th\u1ef1c ti\u1ec5n, Theo t\u00f4i, c\u1ea7n ph\u1ea3i b\u1ecf ch\u01b0\u01a1ng<\/em> Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> v\u00e0 chuy\u1ec3n 4 m\u1ee5c<\/em> trong n\u00e0y th\u00e0nh 4 ch\u01b0\u01a1ng<\/em> c\u1ee7a b\u1ea3n Quy \u0111\u1ecbnh <\/em>n\u00f3i tr\u00ean.<\/p>\n

        M\u1ed9t s\u1ed1 Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 do NHNN so\u1ea1n th\u1ea3o c\u0169ng r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng k\u1ebft c\u1ea5u g\u1ed3m \u201cba m\u1ea3nh<\/em>\u201d nh\u01b0 tr\u00ean. V\u00ed d\u1ee5:<\/p>\n

        – Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 70\/2000\/N\u0110-CP ng\u00e0y 21-11-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 vi\u1ec7c gi\u1eef b\u00ed m\u1eadt, l\u01b0u tr\u1eef v\u00e0 cung c\u1ea5p th\u00f4ng tin li\u00ean quan \u0111\u1ebfn ti\u1ec1n g\u1eedi v\u00e0 t\u00e0i s\u1ea3n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng<\/em>;<\/p>\n

        – Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 32\/2001\/N\u0110-CP ng\u00e0y 05-7-2001 c\u1ee7a Ch\u00ednh ph\u1ee7 H\u01b0\u1edbng d\u1eabn chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh Th\u01b0\u01a1ng phi\u1ebfu<\/em>;…<\/p>\n

        N\u1ebfu nh\u01b0, m\u1ed9t Quy ch\u1ebf<\/em> ch\u1ec9 chia th\u00e0nh 3 ch\u01b0\u01a1ng<\/em>, th\u00ec nhi\u1ec1u \u0111i\u1ec1u<\/em> c\u1ee7a ch\u01b0\u01a1ng Quy \u0111\u1ecbnh chung<\/em> \u0111\u01b0\u1ee3c chuy\u1ec3n sang ch\u01b0\u01a1ng Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> ho\u1eb7c ng\u01b0\u1ee3c l\u1ea1i \u0111\u1ec1u kh\u00f4ng l\u00e0m thay \u0111\u1ed5i ph\u1ea1m vi \u1ea3nh h\u01b0\u1edfng ho\u1eb7c gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd c\u1ee7a VBPQ. \u0110i\u1ec1u \u0111\u00f3 c\u00e0ng ch\u1ee9ng t\u1ecf vi\u1ec7c ph\u00e2n chia ch\u01b0\u01a1ng<\/em> nh\u01b0 v\u1eady l\u00e0 v\u00f4 ngh\u0129a.<\/p>\n

        M\u1eb7t kh\u00e1c, m\u1ed9t Quy ch\u1ebf<\/em> ch\u1ec9 chia th\u00e0nh 3 ch\u01b0\u01a1ng<\/em>, nh\u00ecn qua th\u00ec t\u01b0\u1edfng r\u1eb1ng k\u1ebft c\u1ea5u s\u1ebd \u0111\u01a1n gi\u1ea3n h\u01a1n l\u00e0 chia th\u00e0nh 4, 5 ch\u01b0\u01a1ng<\/em>. Nh\u01b0ng, n\u1ebfu trong ch\u01b0\u01a1ng Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> l\u1ea1i ph\u1ea3i chia th\u00e0nh c\u00e1c m\u1ee5c,<\/em> th\u00ec th\u1ef1c ch\u1ea5t k\u1ebft c\u1ea5u l\u1ea1i tr\u1edf l\u00ean ph\u1ee9c t\u1ea1p h\u01a1n.<\/p>\n

        N\u1ebfu m\u1ed9t Quy ch\u1ebf<\/em> ch\u1ec9 chia th\u00e0nh 3 ch\u01b0\u01a1ng <\/em>nh\u01b0 tr\u00ean, th\u00ec t\u1ed1t nh\u1ea5t l\u00e0 kh\u00f4ng n\u00ean ph\u00e2n theo ch\u01b0\u01a1ng<\/em>, m\u1ee5c<\/em>. Ch\u1eb3ng h\u1ea1n nh\u01b0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 03\/20000\/N\u0110-CP ng\u00e0y 02-3-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 H\u01b0\u1edbng d\u1eabn thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p<\/em> (c\u00f3 t\u1edbi 38 \u0111i\u1ec1u<\/em> nh\u01b0ng kh\u00f4ng chia th\u00e0nh ch\u01b0\u01a1ng, m\u1ee5c<\/em>). C\u0169ng \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u0111i theo h\u01b0\u1edbng n\u00e0y. V\u00ed d\u1ee5:<\/p>\n

        – Quy ch\u1ebf Vay v\u1ed1n gi\u1eefa c\u00e1c TCTD<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1310\/2001\/Q\u0110-NHNN ng\u00e0y 15-10-2001 v\u00e0 Quy ch\u1ebf Chi\u1ebft kh\u1ea5u, t\u00e1i chi\u1ebft kh\u1ea5u c\u1ee7a NHNN \u0111\u1ed1i v\u1edbi c\u00e1c Ng\u00e2n h\u00e0ng<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 906\/2002\/Q\u0110-NHNN ng\u00e0y 26-8-2002 \u0111\u1ec1u c\u00f3 13 \u0111i\u1ec1u<\/em> v\u00e0 kh\u00f4ng chia th\u00e0nh ch\u01b0\u01a1ng<\/em>, m\u1ee5c;<\/em><\/p>\n

        – Quy ch\u1ebf Cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31-12-2001, g\u1ed3m c\u00f3 28 \u0111i\u1ec1u<\/em>, c\u0169ng kh\u00f4ng chia th\u00e0nh c\u00e1c ch\u01b0\u01a1ng<\/em>, m\u1ee5c<\/em>. Tr\u01b0\u1edbc \u0111\u00e2y, Quy ch\u1ebf<\/em> n\u00e0y (ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 284\/2000\/Q\u0110-NHNN14 ng\u00e0y 25-8-2000) \u0111\u00e3 \u0111\u01b0\u1ee3c chia th\u00e0nh 3 ch\u01b0\u01a1ng<\/em>: Nh\u1eefng quy \u0111\u1ecbnh chung<\/em>, Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> v\u00e0 \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh<\/em>. Ri\u00eang ch\u01b0\u01a1ng<\/em> Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> chi\u1ebfm t\u1edbi 24 tr\u00ean t\u1ed5ng s\u1ed1 31 \u0111i\u1ec1u<\/em> l\u00e0 m\u1ed9t s\u1ef1 r\u1ea5t b\u1ea5t h\u1ee3p l\u00fd v\u1ec1 k\u1ebft c\u1ea5u. Tuy nhi\u00ean, theo t\u00f4i, trong c\u1ea3 hai Quy ch\u1ebf<\/em> cho vay<\/em> n\u00e0y, h\u1ee3p l\u00fd nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 ch\u1ec9 chia th\u00e0nh 3 ch\u01b0\u01a1ng<\/em> hay kh\u00f4ng chia th\u00e0nh ch\u01b0\u01a1ng<\/em>, m\u00e0 l\u00e0 c\u1ea7n ph\u1ea3i chia th\u00e0nh 6-7 ch\u01b0\u01a1ng<\/em> (m\u1ed7i ch\u01b0\u01a1ng<\/em> kho\u1ea3ng 5-7 \u0111i\u1ec1u<\/em>, trong \u0111\u00f3 c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh v\u00e0 b\u1ed5 sung th\u00eam m\u1ed9t s\u1ed1 \u0111i\u1ec1u<\/em> c\u1ea7n thi\u1ebft). V\u00ed d\u1ee5, c\u00f3 th\u1ec3 chia th\u00e0nh c\u00e1c ch\u01b0\u01a1ng<\/em> nh\u01b0 sau: Nh\u1eefng quy \u0111\u1ecbnh chung<\/em>; Nh\u1eefng h\u1ea1n ch\u1ebf v\u00e0 gi\u1edbi h\u1ea1n cho vay<\/em>; \u0110i\u1ec1u ki\u1ec7n v\u00e0 ph\u01b0\u01a1ng th\u1ee9c cho vay<\/em>; H\u1ed3 s\u01a1, th\u1ee7 t\u1ee5c v\u00e0 b\u1ed9 m\u00e1y cho vay<\/em>; N\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng; Qu\u1ea3n l\u00fd kho\u1ea3n vay sau khi gi\u1ea3i ng\u00e2n<\/em> v\u00e0 \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh,<\/em> th\u00ec s\u1ebd t\u1ea1o ra m\u1ed9t Quy ch\u1ebf<\/em> r\u00f5 r\u00e0ng v\u00e0 h\u1ee3p l\u00fd h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi vi\u1ec7c ch\u1ec9 chia th\u00e0nh 3 ch\u01b0\u01a1ng <\/em>hay l\u1ea1i b\u1ecf h\u1ebft kh\u00f4ng c\u00f2n ch\u01b0\u01a1ng <\/em>n\u00e0o.<\/p>\n

        Nhi\u1ec1u Quy ch\u1ebf<\/em>, Quy \u0111\u1ecbnh<\/em> c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN kh\u00f4ng \u0111\u01b0\u1ee3c chia th\u00e0nh ch\u01b0\u01a1ng<\/em>, m\u00e0 l\u1ea1i chia th\u00e0nh ph\u1ea7n<\/em> ho\u1eb7c m\u1ee5c,<\/em> nh\u01b0:<\/p>\n

        – Quy ch\u1ebf \u0110\u1ed3ng t\u00e0i tr\u1ee3 c\u1ee7a c\u00e1c TCTD<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 286\/2002\/Q\u0110-NHNN ng\u00e0y 03-4-2002, g\u1ed3m 19 \u0111i\u1ec1u<\/em>, th\u00ec \u0111\u01b0\u1ee3c chia th\u00e0nh 3 m\u1ee5c<\/em> (Quy \u0111\u1ecbnh chung, Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 <\/em>v\u00e0 \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh<\/em>), nh\u01b0ng l\u1ea1i kh\u00f4ng g\u1ecdi t\u00ean l\u00e0 ph\u1ea7n, ch\u01b0\u01a1ng<\/em> hay m\u1ee5c<\/em>, m\u00e0 ch\u1ec9 \u0111\u00e1nh s\u1ed1 th\u1ee9 t\u1ef1 La-m\u00e3 t\u1eeb I \u0111\u1ebfn III.<\/p>\n

        – Quy \u0111\u1ecbnh th\u1ee7 t\u1ee5c thanh to\u00e1n qua c\u00e1c t\u1ed5 ch\u1ee9c cung c\u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1092\/2002\/Q\u0110-NHNN ng\u00e0y 08-10-2002, thay v\u00ec chia th\u00e0nh 4 ch\u01b0\u01a1ng<\/em> l\u1ea1i \u0111\u01b0\u1ee3c chia th\u00e0nh 4 ph\u1ea7n<\/em>;<\/p>\n

        Ngo\u00e0i ra, c\u00f3 m\u1ed9t s\u1ed1 Quy ch\u1ebf<\/em> c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, tuy \u0111\u00e3 \u0111\u01b0\u1ee3c chia th\u00e0nh 4 ch\u01b0\u01a1ng<\/em>, nh\u01b0ng v\u1eabn ch\u01b0a tho\u00e1t kh\u1ecfi th\u1ef1c ch\u1ea5t k\u1ebft c\u1ea5u 3 ch\u01b0\u01a1ng<\/em>. V\u00ed d\u1ee5:<\/p>\n

        –\u00a0 Quy ch\u1ebf Qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng tin h\u1ecdc trong ng\u00e0nh Ng\u00e2n h\u00e0ng<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 14\/2000\/Q\u0110-NHNN16 ng\u00e0y 07-01-2000, \u0111\u01b0\u1ee3c chia th\u00e0nh 4 ch\u01b0\u01a1ng<\/em> v\u1edbi 28 \u0111i\u1ec1u<\/em>. B\u00ean c\u1ea1nh 2 ch\u01b0\u01a1ng<\/em> Quy \u0111\u1ecbnh chung<\/em> v\u00e0 \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh<\/em>, th\u00ec c\u00f3 th\u00eam ch\u01b0\u01a1ng<\/em> III l\u00e0 X\u1eed l\u00fd vi ph\u1ea1m<\/em> (ch\u1ec9 c\u00f3 1 \u0111i\u1ec1u<\/em>). Ch\u01b0\u01a1ng II \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0: N\u1ed9i dung qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng tin h\u1ecdc trong ng\u00e0nh Ng\u00e2n h\u00e0ng<\/em>, bao g\u1ed3m g\u1ea7n nh\u01b0 l\u00e0 to\u00e0n b\u1ed9 n\u1ed9i dung c\u1ee7a Quy ch\u1ebf<\/em> n\u00e0y. V\u1ec1 th\u1ef1c ch\u1ea5t, t\u00ean ch\u01b0\u01a1ng<\/em> n\u00e0y c\u0169ng kh\u00f4ng kh\u00e1c g\u00ec c\u00e1ch g\u1ecdi l\u00e0 Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> trong c\u00e1c Quy ch\u1ebf<\/em> kh\u00e1c. Theo t\u00f4i, ri\u00eang 21 \u0111i\u1ec1u<\/em> c\u1ee7a ch\u01b0\u01a1ng II c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c chia th\u00e0nh 4 ch\u01b0\u01a1ng<\/em>, t\u01b0\u01a1ng \u1ee9ng v\u1edbi 4 m\u1ee5c<\/em> hi\u1ec7n nay l\u00e0: Ph\u1ea7n c\u1ee9ng h\u1ec7 th\u1ed1ng tin h\u1ecdc, Ph\u1ea7n m\u1ec1m tin h\u1ecdc, S\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng tin h\u1ecdc <\/em>v\u00e0 An to\u00e0n h\u1ec7 th\u1ed1ng tin h\u1ecdc<\/em>.<\/p>\n

        – Quy ch\u1ebf B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 283\/2000\/Q\u0110-NHNN14 ng\u00e0y 25-8-2000 c\u00f3 4 ch\u01b0\u01a1ng<\/em> g\u1ed3m: Quy \u0111\u1ecbnh chung<\/em>; Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3; Ch\u1ebf \u0111\u1ed9 ki\u1ec3m tra, th\u00f4ng tin, b\u00e1o c\u00e1o<\/em> v\u00e0 \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh<\/em> (t\u01b0\u01a1ng \u1ee9ng m\u1ed7i ch\u01b0\u01a1ng<\/em> l\u00e0 6, 21, 2 v\u00e0 2 \u0111i\u1ec1u<\/em>). X\u00e9t v\u1ec1 m\u1eb7t l\u00f4-g\u00edc, v\u1edbi c\u00e1ch ph\u00e2n chia ch\u01b0\u01a1ng<\/em> nh\u01b0 v\u1eady, th\u00ec ch\u01b0\u01a1ng<\/em> Ch\u1ebf \u0111\u1ed9 ki\u1ec3m tra, th\u00f4ng tin, b\u00e1o c\u00e1o<\/em> s\u1ebd kh\u00f4ng thu\u1ed9c lo\u1ea1i quy \u0111\u1ecbnh chung<\/em> v\u00e0 c\u0169ng kh\u00f4ng thu\u1ed9c v\u1ec1 lo\u1ea1i quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em>. V\u1eady th\u00ec n\u00f3 thu\u1ed9c lo\u1ea1i quy \u0111\u1ecbnh<\/em> n\u00e0o? Vi\u1ec7c n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd, n\u1ebfu ch\u01b0\u01a1ng<\/em> Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> n\u00f3i tr\u00ean \u0111\u01b0\u1ee3c chia th\u00e0nh v\u00e0i ch\u01b0\u01a1ng<\/em>, trong s\u1ed1 \u0111\u00f3, c\u00f3 ch\u01b0\u01a1ng<\/em> Ch\u1ebf \u0111\u1ed9 ki\u1ec3m tra, th\u00f4ng tin, b\u00e1o c\u00e1o<\/em>. C\u00f2n kh\u00f4ng, \u00edt nh\u1ea5t ch\u01b0\u01a1ng<\/em> Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ed5i sang m\u1ed9t c\u00e1i t\u00ean kh\u00e1c, v\u00ed d\u1ee5 nh\u01b0 ch\u01b0\u01a1ng<\/em> C\u00e1c n\u1ed9i dung v\u1ec1 vi\u1ec7c b\u1ea3o l\u00e3nh<\/em> ch\u1eb3ng h\u1ea1n.<\/p>\n

        Nh\u1eefng quy \u0111\u1ecbnh chung<\/em> l\u00e0 nh\u1eefng quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn nhi\u1ec1u ch\u01b0\u01a1ng<\/em> kh\u00e1c. N\u1ebfu ch\u1ec9 c\u00f3 lo\u1ea1i Quy \u0111\u1ecbnh chung<\/em> v\u00e0 Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3,<\/em> th\u00ec chuy\u1ec3n h\u1ea7u h\u1ebft c\u00e1c \u0111i\u1ec1u<\/em> t\u1eeb ch\u01b0\u01a1ng<\/em> n\u00e0y sang ch\u01b0\u01a1ng<\/em> kh\u00e1c \u0111\u1ec1u kh\u00f4ng sai, kh\u00f4ng c\u00f3 \u1ea3nh h\u01b0\u1edfng g\u00ec \u0111\u1ebfn n\u1ed9i dung c\u1ee7a VBPQ. M\u1ed9t VBPQ ch\u1ec9 c\u00f3 3 ch\u01b0\u01a1ng<\/em> th\u00ec, Quy \u0111\u1ecbnh chung<\/em> \u0111\u1ed3ng th\u1eddi c\u0169ng ch\u00ednh l\u00e0 Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> v\u00e0 ng\u01b0\u1ee3c l\u1ea1i.<\/p>\n

        M\u1ed9t Quy ch\u1ebf<\/em> c\u00f3 tr\u00ean d\u01b0\u1edbi 10 \u0111i\u1ec1u<\/em> m\u00e0 \u0111\u01b0\u1ee3c chia th\u00e0nh 3-4 ch\u01b0\u01a1ng<\/em> th\u00ec m\u1ed7i ch\u01b0\u01a1ng<\/em> ch\u1ec9 c\u00f3 2, 3 \u0111i\u1ec1u<\/em>. Nh\u01b0 v\u1eady, th\u00ec t\u1ed1t nh\u1ea5t l\u00e0 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n th\u1eb3ng c\u00e1c \u0111i\u1ec1u<\/em> trong Quy\u1ebft \u0111\u1ecbnh. V\u00ed d\u1ee5, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1081\/2002\/Q\u0110-NHNN ng\u00e0y 07-10-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN V\u1ec1 tr\u1ea1ng th\u00e1i ngo\u1ea1i t\u1ec7 c\u1ee7a c\u00e1c TCTD \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng ngo\u1ea1i h\u1ed1i,<\/em> g\u1ed3m 10 \u0111i\u1ec1u <\/em>(kh\u00f4ng ph\u00e2n chia th\u00e0nh ch\u01b0\u01a1ng, m\u1ee5c<\/em>).<\/p>\n

        X\u00e9t v\u1ec1 m\u1eb7t ng\u00f4n t\u1eeb, t\u00ean ch\u01b0\u01a1ng<\/em> Quy \u0111\u1ecbnh chung<\/em> v\u00e0 Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> c\u0169ng l\u00e0 m\u1ed9t s\u1ef1 thi\u1ebfu ch\u00ednh x\u00e1c. M\u1ed7i ch\u01b0\u01a1ng<\/em> c\u00f3 nhi\u1ec1u \u0111i\u1ec1u<\/em>, bao g\u1ed3m nhi\u1ec1u quy \u0111\u1ecbnh<\/em>, do \u0111\u00f3 \u00edt nh\u1ea5t c\u0169ng c\u1ea7n ph\u1ea3i vi\u1ebft l\u00e0 Nh\u1eefng quy \u0111\u1ecbnh chung<\/em> v\u00e0 Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em>. C\u00e1c \u0111\u1ea1o lu\u1eadt v\u00e0 ph\u00e1p l\u1ec7nh c\u0169ng kh\u00f4ng bao gi\u1edd ch\u1ec9 chia th\u00e0nh 3 ch\u01b0\u01a1ng; <\/em>\u0111\u1ed3ng th\u1eddi c\u0169ng kh\u00f4ng bao gi\u1edd c\u00f3 t\u00ean ch\u01b0\u01a1ng<\/em> l\u00e0 Quy \u0111\u1ecbnh chung<\/em>, m\u00e0 ph\u1ea3i l\u00e0 Nh\u1eefng<\/em><\/strong> quy \u0111\u1ecbnh chung<\/em>.<\/p>\n

          \n
        1. \n
          V\u1ec1 k\u1ebft c\u1ea5u c\u1ee7a c\u00e1c Th\u00f4ng t\u01b0:<\/strong><\/h5>\n<\/li>\n<\/ol>\n

          Tuy ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 v\u1ea5n \u0111\u1ec1 ph\u00e2n chia k\u1ebft c\u1ea5u c\u1ee7a c\u00e1c VBPQ n\u00f3i chung, c\u1ee7a c\u00e1c Th\u00f4ng t\u01b0 n\u00f3i ri\u00eang, nh\u01b0ng nh\u00ecn chung tr\u00ean th\u1ef1c t\u1ebf, VBPQ th\u01b0\u1eddng \u0111\u01b0\u1ee3c chia th\u00e0nh hai lo\u1ea1i ch\u00ednh nh\u01b0 sau:<\/p>\n

          – Lo\u1ea1i k\u1ebft c\u1ea5u theo \u0110i\u1ec1u – Kho\u1ea3n<\/em>, bao g\u1ed3m: C\u00e1c Lu\u1eadt, Ph\u00e1p l\u1ec7nh, Ngh\u1ecb \u0111\u1ecbnh, Quy\u1ebft \u0111\u1ecbnh,… v\u00e0 c\u00e1c Quy \u0111\u1ecbnh, Quy ch\u1ebf, Ch\u1ebf \u0111\u1ed9, Th\u1ec3 l\u1ec7,… ban h\u00e0nh k\u00e8m theo Ngh\u1ecb \u0111\u1ecbnh, Quy\u1ebft \u0111\u1ecbnh. C\u00e1c v\u0103n b\u1ea3n lo\u1ea1i n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c l\u1ea7n l\u01b0\u1ee3t chia th\u00e0nh Ch\u01b0\u01a1ng – M\u1ee5c – \u0110i\u1ec1u – Kho\u1ea3n – \u0110i\u1ec3m <\/em>v\u00e0 \u0110o\u1ea1n<\/em> (\u0111i\u1ec3m \u0111\u1eb7c tr\u01b0ng l\u00e0 h\u1ea7u nh\u01b0 lu\u00f4n c\u00f3 k\u1ebft c\u1ea5u \u0110i\u1ec1u<\/em> v\u00e0 Kho\u1ea3n, <\/em>trong \u0111\u00f3 ch\u1eef \u0110i\u1ec1u lu\u00f4n \u0111\u01b0\u1ee3c vi\u1ebft hoa, khi \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t \u0111i\u1ec1u c\u1ee5 th\u1ec3);<\/p>\n

          – Lo\u1ea1i k\u1ebft c\u1ea5u theo M\u1ee5c – \u0110i\u1ec3m<\/em>, bao g\u1ed3m: C\u00e1c Ngh\u1ecb quy\u1ebft, Th\u00f4ng t\u01b0, Ch\u1ec9 th\u1ecb. C\u00e1c v\u0103n b\u1ea3n n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c l\u1ea7n l\u01b0\u1ee3t chia th\u00e0nh Ph\u1ea7n – M\u1ee5c – \u0110i\u1ec3m <\/em>v\u00e0 \u0110o\u1ea1n<\/em> (\u0111i\u1ec3m \u0111\u1eb7c tr\u01b0ng l\u00e0 h\u1ea7u nh\u01b0 lu\u00f4n c\u00f3 k\u1ebft c\u1ea5u M\u1ee5c<\/em> v\u00e0 \u0110i\u1ec3m<\/em>).<\/p>\n

          Tuy nhi\u00ean, c\u0169ng tr\u00ean th\u1ef1c t\u1ebf l\u1ea1i di\u1ec5n ra t\u01b0\u01a1ng \u0111\u1ed1i r\u1eafc r\u1ed1i v\u00e0 thi\u1ebfu th\u1ed1ng nh\u1ea5t. Ch\u1eb3ng h\u1ea1n, c\u00f3 Th\u00f4ng t\u01b0 l\u1ea1i \u0111\u01b0\u1ee3c chia th\u00e0nh \u0110i\u1ec1u – Kho\u1ea3n<\/em> nh\u01b0: Th\u00f4ng t\u01b0 s\u1ed1 05\/2001\/TT-BKH\u0110T ng\u00e0y 30-8-2001 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0 H\u01b0\u1edbng ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 ra n\u01b0\u1edbc ngo\u00e0i c\u1ee7a doanh nghi\u1ec7p Vi\u1ec7t Nam.<\/em><\/p>\n

          Th\u1ebf n\u00e0o g\u1ecdi l\u00e0 ch\u01b0\u01a1ng, \u0111i\u1ec1u <\/em>th\u00ec \u0111\u00e3 r\u00f5 (v\u00ec n\u00f3 lu\u00f4n \u0111\u01b0\u1ee3c vi\u1ebft k\u00e8m theo ch\u1eef ch\u01b0\u01a1ng<\/em> ho\u1eb7c \u0111i\u1ec1u<\/em>. Nh\u01b0ng th\u1ebf n\u00e0o l\u00e0 ph\u1ea7n,<\/em> m\u1ee5c<\/em>, kho\u1ea3n<\/em>, \u0111i\u1ec3m<\/em>,… th\u00ec qu\u1ea3 th\u1eadt r\u1ea5t ph\u1ee9c t\u1ea1p v\u00e0 l\u1ed9n x\u1ed9n. V\u00ed d\u1ee5:<\/p>\n

          – Trong \u0110i\u1ec1u l\u1ec7 Tr\u1eadt t\u1ef1 an to\u00e0n giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9 v\u00e0 tr\u1eadt t\u1ef1 an to\u00e0n giao th\u00f4ng \u0111\u00f4 th\u1ecb<\/em>, ban h\u00e0nh k\u00e8m theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 36-CP ng\u00e0y 29-5-1995 c\u1ee7a Ch\u00ednh ph\u1ee7: \u0110i\u1ec1u 22 \u0111\u01b0\u1ee3c chia th\u00e0nh \u201ckho\u1ea3n 1<\/em>\u201d v\u00e0 \u201ckho\u1ea3n 2<\/em>\u201d. \u0110\u1ebfn \u0110i\u1ec1u 42, th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c chia th\u00e0nh \u201ckho\u1ea3n a<\/em>\u201d v\u00e0 \u201ckho\u1ea3n b<\/em>\u201d (sau \u0111\u00f3 \u201ckho\u1ea3n a<\/em>\u201d l\u1ea1i \u0111\u01b0\u1ee3c chia ti\u1ebfp th\u00e0nh c\u00e1c \u201c\u0111i\u1ec3m 1<\/em>\u201d, \u201c\u0111i\u1ec3m 2<\/em>\u201d,…). Nh\u01b0ng khi \u201ckho\u1ea3n<\/em><\/strong> b<\/em>\u201d, \u0110i\u1ec1u 42 vi\u1ec7n d\u1eabn \u0111\u1ebfn \u0110i\u1ec1u 22, th\u00ec l\u1ea1i bi\u1ebfn \u201ckho\u1ea3n<\/em><\/strong> 1, \u0110i\u1ec1u 22<\/em>\u201d th\u00e0nh \u201c\u0111i\u1ec3m<\/em><\/strong> 1, \u0110i\u1ec1u 22<\/em>\u201d. V\u00e0 \u0111\u1ebfn khi Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 36-CP \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung (b\u1eb1ng Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 75\/1998\/N\u0110-CP ng\u00e0y 26-9-1998), th\u00ec \u201ckho\u1ea3n<\/em><\/strong> a, \u0110i\u1ec1u 42<\/em>\u201d l\u1ea1i b\u1ecb bi\u1ebfn th\u00e0nh \u201c\u0111i\u1ec3m<\/em><\/strong> a, \u0110i\u1ec1u 42<\/em>\u201d. Nh\u01b0 v\u1eady, sau khi \u0111\u01b0\u1ee3c \u201ctrao \u0111i, \u0111\u1ed5i l\u1ea1i<\/em>\u201d gi\u1eefa 3 \u0111i\u1ec1u<\/em> trong Ngh\u1ecb \u0111\u1ecbnh tr\u00ean, th\u00ec \u0111\u00e3 c\u00f3 hai l\u1ea7n kho\u1ea3n<\/em> b\u1ecb bi\u1ebfn th\u00e0nh \u0111i\u1ec3m<\/em> v\u00e0 cu\u1ed1i c\u00f9ng, th\u00ec \u0111\u00e3 kh\u00f4ng c\u00f2n ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c trong c\u00e1c \u0111i\u1ec1u<\/em> tr\u00ean, \u0111\u00e2u l\u00e0 kho\u1ea3n<\/em> v\u00e0 \u0111\u00e2u l\u00e0 \u0111i\u1ec3m<\/em> n\u1eefa;<\/p>\n

          – Th\u00f4ng t\u01b0 s\u1ed1 12\/1999\/TT-BTP ng\u00e0y 25-6-1999 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u01b0 ph\u00e1p H\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 h\u1ed9 t\u1ecbch,<\/em> \u0111\u01b0\u1ee3c chia th\u00e0nh k\u1ebft c\u1ea7u l\u1ea7n l\u01b0\u1ee3t: T\u1eeb I, II,… \u0111\u1ebfn A, B,… r\u1ed3i 1, 2,… v\u00e0 a, b,… Trong \u0111\u00f3 I, II<\/em> (La-m\u00e3) \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 m\u1ee5c<\/em>; A, B <\/em>(l\u1edbn) \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u0111i\u1ec3m;<\/em> \u0111\u1ebfn 1, 2 <\/em>(nh\u1ecf) c\u0169ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u0111i\u1ec3m; <\/em>\u0111\u1ebfn a, b <\/em>(nh\u1ecf) c\u0169ng l\u1ea1i \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u0111i\u1ec3m<\/em> v\u00e0 cho \u0111\u1ebfn k\u00fd hi\u1ec7u \u201cA.1<\/em>\u201d, \u201cA.2<\/em>\u201d (thu\u1ed9c a nh\u1ecf) c\u0169ng v\u1eabn \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u0111i\u1ec3m<\/em> (!?). Nh\u01b0 v\u1eady, c\u00f3 t\u1edbi 4 lo\u1ea1i k\u1ebft c\u1ea5u \u1edf c\u00e1c c\u1ea5p \u0111\u1ed9 ho\u00e0n to\u00e0n kh\u00e1c nhau nh\u01b0ng \u0111\u1ec1u \u0111\u01b0\u1ee3c g\u1ecdi chung l\u00e0 \u0111i\u1ec3m<\/em>. \u0110\u00f3 qu\u1ea3 l\u00e0 m\u1ed9t s\u1ef1 v\u00f4 l\u00fd, r\u1ed1i r\u1eafm, th\u00e1ch \u0111\u1ed1 ng\u01b0\u1eddi \u0111\u1ecdc.<\/p>\n

          Trong l\u00fac ch\u01b0a c\u00f3 s\u1ef1 th\u1ed1ng nh\u1ea5t nh\u01b0 tr\u00ean, v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra \u1edf m\u1ed7i b\u1ed9, ng\u00e0nh l\u00e0, c\u1ea7n x\u00e2y d\u1ef1ng k\u1ebft c\u1ea5u c\u1ee7a m\u1ed7i lo\u1ea1i h\u00ecnh VBPQ \u1edf ng\u00e0nh m\u00ecnh m\u1ed9t c\u00e1ch t\u01b0\u01a1ng \u0111\u1ed1i th\u1ed1ng nh\u1ea5t, \u0111\u01a1n gi\u1ea3n v\u00e0 g\u1ecdn nh\u1eb9.<\/p>\n

          Hi\u1ec7n nay, k\u1ebft c\u1ea5u c\u00e1c Th\u00f4ng t\u01b0 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN c\u0169ng c\u00f2n thi\u1ebfu th\u1ed1ng nh\u1ea5t. Trong khi \u0111a s\u1ed1 c\u00e1c Th\u00f4ng t\u01b0 \u0111\u01b0\u1ee3c ph\u00e2n chia th\u00e0nh m\u1ee5c, \u0111i\u1ec3m<\/em>, th\u00ec m\u1ed9t s\u1ed1 l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e2n chia th\u00e0nh c\u00e1c ch\u01b0\u01a1ng<\/em>, m\u1ee5c<\/em> nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c Quy ch\u1ebf<\/em>, Quy \u0111\u1ecbnh<\/em>. V\u00ed d\u1ee5: Th\u00f4ng t\u01b0 s\u1ed1 05\/2001\/TT-NHNN ng\u00e0y 31-5-2001 H\u01b0\u1edbng d\u1eabn thi h\u00e0nh Quy\u1ebft \u0111\u1ecbnh s\u1ed1 61\/2001\/Q\u0110-TTg ng\u00e0y 25-4-2001 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 ngh\u0129a v\u1ee5 b\u00e1n v\u00e0 quy\u1ec1n mua ngo\u1ea1i t\u1ec7 c\u1ee7a ng\u01b0\u1eddi c\u01b0 tr\u00fa l\u00e0 t\u1ed5 ch\u1ee9c<\/em>. Th\u00f4ng t\u01b0 n\u00e0y \u0111\u01b0\u1ee3c chia th\u00e0nh 3 ch\u01b0\u01a1ng:<\/em> Nh\u1eefng quy \u0111\u1ecbnh chung<\/em> (g\u1ed3m 2 m\u1ee5c<\/em>: Gi\u1ea3i th\u00edch t\u1eeb ng\u1eef, \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng<\/em>); Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em> (g\u1ed3m 6 m\u1ee5c<\/em>: Ngh\u0129a v\u1ee5 b\u00e1n ngo\u1ea1i t\u1ec7 cho ng\u00e2n h\u00e0ng, C\u00e1c ngu\u1ed3n thu v\u00e3ng lai kh\u00f4ng ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u00e1n ngo\u1ea1i t\u1ec7 cho ng\u00e2n h\u00e0ng, Quy\u1ec1n mua ngo\u1ea1i t\u1ec7 c\u1ee7a t\u1ed5 ch\u1ee9c, Tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng, Tr\u00e1ch nhi\u1ec7m c\u1ee7a t\u1ed5 ch\u1ee9c, X\u1eed l\u00fd vi ph\u1ea1m<\/em>) v\u00e0 \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh<\/em>. K\u1ebft c\u1ea5u n\u00e0y c\u0169ng r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng 3 \u201cm\u1ea3nh\u201d nh\u01b0 ph\u00e2n t\u00edch n\u00f3i tr\u00ean. Theo t\u00f4i, c\u1ea7n b\u1ecf h\u1eb3n 3 ch\u01b0\u01a1ng<\/em> v\u00e0 chia Th\u00f4ng t\u01b0 n\u00e0y th\u00e0nh 9 m\u1ee5c<\/em> th\u00ec m\u1edbi h\u1ee3p l\u00fd.<\/p>\n

          B\u00ean c\u1ea1nh \u0111a s\u1ed1 c\u00e1c Th\u00f4ng t\u01b0 chia th\u00e0nh c\u00e1c \u0111i\u1ec3m<\/em> \u0111\u01b0\u1ee3c \u0111\u00e1nh s\u1ed1 th\u1ee9 t\u1ef1 theo t\u1eebng m\u1ee5c<\/em> hay ph\u1ea7n<\/em> c\u1ee7a v\u0103n b\u1ea3n, th\u00ec c\u00f3 Th\u00f4ng t\u01b0 \u0111\u00e1nh th\u1ee9 t\u1ef1 su\u1ed1t t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i nh\u01b0:<\/p>\n

          – Th\u00f4ng t\u01b0 s\u1ed1 04\/2001\/TT-NHNN ng\u00e0y 18-5-2001 H\u01b0\u1edbng d\u1eabn v\u1ec1 Qu\u1ea3n l\u00fd ngo\u1ea1i h\u1ed1i \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u01a1c ngo\u00e0i v\u00e0 b\u00ean n\u01b0\u1edbc ngo\u00e0i tham gia h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh<\/em>, c\u00f3 8 m\u1ee5c<\/em> v\u00e0 \u0111\u00e1nh s\u1ed1 li\u00ean t\u1ee5c 29 \u0111i\u1ec3m<\/em> t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i;<\/p>\n

          – Th\u00f4ng t\u01b0 s\u1ed1 08\/2001\/TT-NHNN ng\u00e0y 06-9-2001 H\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 16\/2001\/N\u0110-CP ng\u00e0y 02-5-2001 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a C\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh<\/em>, \u0111\u01b0\u1ee3c chia th\u00e0nh 7 m\u1ee5c<\/em> v\u00e0 \u0111\u00e1nh s\u1ed1 li\u00ean t\u1ee5c 46 \u0111i\u1ec3m<\/em> t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i. Trong 46 di\u1ec3m tr\u00ean l\u1ea1i \u0111\u01b0\u1ee3c chia th\u00e0nh c\u00e1c \u0111i\u1ec3m<\/em> nh\u1ecf h\u01a1n (nh\u01b0 \u0111i\u1ec3m<\/em> 31.1). Nh\u01b0ng \u0111\u1ebfn c\u00e1c \u0111i\u1ec3m<\/em> nh\u1ecf h\u01a1n n\u1eefa, kh\u00f4ng hi\u1ec3u t\u1ea1i sao l\u1ea1i \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 ph\u1ea7n<\/em> (nh\u01b0 ph\u1ea7n<\/em> a, b, \u0111i\u1ec3m<\/em> 31.1). \u0110\u00e2y l\u00e0 m\u1ed9t s\u1ef1 ph\u00e2n chia b\u1ea5t h\u1ee3p l\u00fd, v\u00ec d\u00f9 \u1edf lo\u1ea1i k\u1ebft c\u1ea5u Ch\u01b0\u01a1ng – \u0110i\u1ec1u<\/em> hay M\u1ee5c – \u0110i\u1ec3m <\/em>nh\u01b0 \u0111\u00e3 n\u00f3i \u1edf tr\u00ean, th\u00ec ph\u1ea7n<\/em> c\u0169ng l\u00e0 lo\u1ea1i k\u1ebft c\u1ea5u l\u1edbn nh\u1ea5t, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 lo\u1ea1i nh\u1ecf nh\u1ea5t.<\/p>\n

          M\u1ed9t s\u1ed1 Th\u00f4ng t\u01b0 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN c\u00f2n kh\u00e1 d\u00e0i d\u00f2ng v\u00e0 ph\u1ee9c t\u1ea1p, trong \u0111\u00f3 c\u00f3 nguy\u00ean nh\u00e2n l\u00e0 do nh\u1eafc l\u1ea1i qu\u00e1 nhi\u1ec1u, th\u1eadm ch\u00ed l\u00e0 to\u00e0n b\u1ed9 n\u1ed9i dung c\u1ee7a c\u00e1c v\u0103n b\u1ea3n ch\u00ednh c\u1ea7n h\u01b0\u1edbng d\u1eabn. V\u00ed d\u1ee5:<\/p>\n

          – Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 63\/1998\/N\u0110-CP ng\u00e0y 17-8-1998 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Qu\u1ea3n l\u00fd ngo\u1ea1i h\u1ed1i<\/em>, c\u00f3 21 trang, nh\u01b0ng Th\u00f4ng t\u01b0 s\u1ed1 01\/1999\/TT-NHNN7 ng\u00e0y 16-4-1999 H\u01b0\u1edbng d\u1eabn thi h\u00e0nh <\/em>c\u00f3 t\u1edbi 80 trang (trong \u0111\u00f3 c\u00f3 17 trang ph\u1ee5 l\u1ee5c). Trong khi Ngh\u1ecb \u0111\u1ecbnh ch\u1ec9 c\u00f3 10 ch\u01b0\u01a1ng<\/em>, 45 \u0111i\u1ec1u<\/em>, th\u00ec Th\u00f4ng t\u01b0 l\u1ea1i chia ra t\u1edbi 10 ph\u1ea7n<\/em>, 31 ch\u01b0\u01a1ng<\/em>, 45 m\u1ee5c<\/em>, 185 \u0111i\u1ec3m<\/em> l\u1edbn v\u00e0 h\u00e0ng tr\u0103m \u0111i\u1ec3m<\/em> nh\u1ecf (m\u1ed7i \u0111i\u1ec1u<\/em> c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh tr\u1edf th\u00e0nh m\u1ed9t m\u1ee5c<\/em> c\u1ee7a Th\u00f4ng t\u01b0) . K\u1ebft c\u1ea5u n\u00e0y c\u1ee7a Th\u00f4ng t\u01b0 c\u00f2n \u0111\u1ed3 s\u1ed9 v\u00e0 ph\u1ee9c t\u1ea1p h\u01a1n c\u1ea3 m\u1ed9t s\u1ed1 \u0111\u1ea1o lu\u1eadt l\u1edbn nh\u01b0 B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng<\/em> n\u0103m 1994 (c\u00f3 17 ch\u01b0\u01a1ng<\/em> v\u00e0 14 m\u1ee5c<\/em>); Lu\u1eadt c\u00e1c TCTD<\/em> n\u0103m 1997 (c\u00f3 11 ch\u01b0\u01a1ng<\/em> v\u00e0 13 m\u1ee5c<\/em>); B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1<\/em> n\u0103m 1999 (c\u00f3 2 ph\u1ea7n<\/em> v\u00e0 24 ch\u01b0\u01a1ng<\/em>);<\/p>\n

          – 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 TCTD<\/em>, c\u00f3 21 trang, nh\u01b0ng Th\u00f4ng t\u01b0 s\u1ed1 06\/2000\/TT-NHNN1 ng\u00e0y 04-4-2000 H\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n<\/em>, th\u00ec l\u00ean t\u1edbi 30 trang, v\u1edbi r\u1ea5t nhi\u1ec1u ch\u01b0\u01a1ng<\/em>, m\u1ee5c<\/em> kh\u00e1c nhau (\u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c).<\/p>\n

          V\u1edbi c\u00e1ch x\u00e2y d\u1ef1ng VBPQ nh\u01b0 tr\u00ean, s\u1ebd kh\u00f4ng ph\u00e2n bi\u1ec7t n\u1ed5i quy \u0111\u1ecbnh n\u00e0o l\u00e0 c\u1ee7a Qu\u1ed1c h\u1ed9i, c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 n\u1ed9i dung h\u01b0\u1edbng d\u1eabn n\u00e0o l\u00e0 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN. Vi\u1ec7c n\u00e0y \u0111\u00e3 g\u00f3p ph\u1ea7n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng coi th\u01b0\u1eddng v\u00e0 b\u1ea5t c\u1ea7n \u0111\u1ebfn Lu\u1eadt, Ph\u00e1p l\u1ec7nh, Ngh\u1ecb \u0111\u1ecbnh, v\u00ec ng\u01b0\u1eddi ta ch\u1ec9 c\u1ea7n bi\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n theo Th\u00f4ng t\u01b0 (\u0111\u00e3 nh\u1eafc l\u1ea1i h\u1ebft c\u00e1c v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd cao h\u01a1n).<\/p>\n

          Vi\u1ec7c h\u1ec7 th\u1ed1ng ho\u00e1 c\u00e1c VBPQ kh\u00e1c nhau v\u1ec1 th\u1ea9m quy\u1ec1n v\u00e0 th\u1eddi gian ban h\u00e0nh v\u00e0o chung m\u1ed9t v\u0103n b\u1ea3n nh\u01b0 ki\u1ec3u Th\u00f4ng t\u01b0 s\u1ed1 01\/1999\/TT-NHNN7 v\u00e0 s\u1ed1 06\/2000\/TT-NHNN1 n\u00f3i tr\u00ean l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft, \u0111\u1ec3 thu\u1eadn ti\u1ec7n cho vi\u1ec7c t\u00ecm hi\u1ec3u, tra c\u1ee9u v\u00e0 th\u1ef1c hi\u1ec7n, nh\u01b0ng n\u00ean \u0111\u1ec3 cho c\u00e1c chuy\u00ean gia ph\u00e1p l\u00fd th\u1ef1c hi\u1ec7n v\u00e0 in \u1ea5n th\u00e0nh c\u00e1c t\u00e0i li\u1ec7u tra c\u1ee9u chuy\u00ean \u0111\u1ec1. V\u00ed d\u1ee5, ch\u00fang t\u00f4i \u0111\u00e3 t\u1eebng th\u00ed \u0111i\u1ec3m t\u1ed5ng h\u1ee3p quy \u0111\u1ecbnh c\u1ee7a kho\u1ea3ng 60 VBPQ c\u00f3 li\u00ean quan th\u00e0nh m\u1ed9t t\u1eadp t\u00e0i li\u1ec7u l\u00ean t\u1edbi g\u1ea7n 70 trang v\u1ec1 B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, tr\u00ean c\u01a1 s\u1edf gi\u1eef nguy\u00ean k\u1ebft c\u1ea5u c\u00e1c ch\u01b0\u01a1ng<\/em>, \u0111i\u1ec1u<\/em> c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP.<\/p>\n

            \n
          1. \n
            V\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung c\u00e1c VBPQ:<\/strong><\/h5>\n<\/li>\n<\/ol>\n

            Sau khi \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung th\u00ec m\u1ed9t VBPQ g\u1ed1c s\u1ebd \u0111\u01b0\u1ee3c \u201cbi\u1ebfn<\/em> \u0111\u1ed5i<\/em>\u201d th\u00e0nh m\u1ed9t v\u0103n b\u1ea3n m\u1edbi. Do \u0111\u00f3, n\u1ebfu mu\u1ed1n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung ti\u1ebfp, th\u00ec th\u1ef1c ch\u1ea5t l\u00e0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung v\u0103n b\u1ea3n g\u1ed1c ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung tr\u01b0\u1edbc \u0111\u00f3. Nh\u01b0ng v\u1ea5n \u0111\u1ec1 n\u00e0y c\u0169ng kh\u00f4ng c\u00f3 s\u1ef1 th\u1ed1ng nh\u1ea5t tr\u00ean th\u1ef1c t\u1ebf, l\u00e0m cho r\u1ea5t kh\u00f3 theo d\u00f5i v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i. \u0110\u01a1n c\u1eed m\u1ed9t v\u0103n b\u1ea3n d\u1ea1ng \u0111\u00f3 l\u00e0: Quy\u1ebft \u0111\u1ecbnh s\u1ed1 877\/2002\/Q\u0110-NHNN ng\u00e0y 19-8-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN V\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 1, Quy\u1ebft \u0111\u1ecbnh 1439\/2001\/Q\u0110-NHNN ng\u00e0y 20-11-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN V\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i m\u1ed9t s\u1ed1 \u0111i\u1ec1u trong<\/em> Quy ch\u1ebf nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 85\/2000\/Q\u0110-NHNNI4 ng\u00e0y 09-3-2000. <\/em>\u0110o\u1ea1n \u201cS\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh t\u1ea1i g\u1ea1ch \u0111\u1ea7u d\u00f2ng th\u1ee9 2, kho\u1ea3n 1, \u0110i\u1ec1u 1, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1439\/2001\/Q\u0110-NHNN ng\u00e0y 20-11-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN<\/em> V\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i m\u1ed9t s\u1ed1 \u0111i\u1ec1u trong Quy ch\u1ebf nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 85\/2000\/Q\u0110-NHNN14 ng\u00e0y 09-03-2000<\/em> nh\u01b0 sau\u2026\u201d <\/em>t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1\u00a0 877\/2002\/Q\u0110-NHNN \u0111\u00fang ra ph\u1ea3i \u0111\u01b0\u1ee3c vi\u1ebft: S\u1eeda \u0111\u1ed5i kho\u1ea3n 8, \u0110i\u1ec1u 2 c\u1ee7a Quy ch\u1ebf<\/em> ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 85\/2000\/Q\u0110-NHNN14 ng\u00e0y 09-3-2000 (t\u1ea5t nhi\u00ean l\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2001). Vi\u1ebft theo c\u00e1ch th\u1ee9 hai v\u1eeba ng\u1eafn g\u1ecdn, v\u1eeba ch\u00ednh x\u00e1c.<\/p>\n

            N\u1ebfu VBPQ g\u1ed1c nh\u01b0 l\u00e0 m\u1ed9t ng\u00f4i nh\u00e0, th\u00ec v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung ch\u1ec9 l\u00e0 vi\u1ec7c s\u1eeda ch\u1eefa ng\u00f4i nh\u00e0. Khi s\u1eeda ch\u1eefa, ch\u1ec9 n\u00e2ng c\u1ea5p, ch\u1ec9nh trang tr\u00ean c\u01a1 s\u1edf nh\u1eefng c\u00e1i c\u01a1 b\u1ea3n \u0111\u00e3 c\u00f3, ch\u1ee9 kh\u00f4ng th\u1ec3 thay th\u1ebf c\u00e1i khung nh\u00e0, t\u1ee9c l\u00e0 kh\u00f4ng th\u1ec3 ph\u00e1 \u0111i x\u00e2y l\u1ea1i ho\u1eb7c t\u1ea1o ra ng\u00f4i nh\u00e0 th\u1ee9 hai. Ch\u1eb3ng h\u1ea1n, s\u1eeda c\u1eeda s\u1ed5<\/em> c\u0169 th\u00e0nh c\u1eeda \u0111i<\/em> m\u1edbi, th\u00ec sau khi s\u1eeda xong, ph\u1ea3i g\u1ecdi l\u00e0 c\u1eeda \u0111i<\/em>, ch\u1ee9 kh\u00f4ng th\u1ec3 g\u1ecdi \u0111\u00f3 l\u00e0 c\u1eeda s\u1ed5<\/em> c\u1ee7a c\u0103n nh\u00e0 \u0111\u01b0\u1ee3c. N\u1ebfu g\u1ecdi nh\u01b0 v\u1eady, khi nh\u00ecn v\u00e0o th\u00ec m\u1ecdi ng\u01b0\u1eddi s\u1ebd kh\u00f4ng th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c t\u1ea1i sao r\u00f5 r\u00e0ng c\u00e1i c\u1eeda \u0111i<\/em> c\u1ee7a ng\u00f4i nh\u00e0 m\u00e0 l\u1ea1i \u0111\u01b0\u1ee3c nh\u1eefng ng\u01b0\u1eddi \u201cth\u1ee3 s\u1eeda<\/em>\u201d g\u1ecdi l\u00e0 c\u00e1i c\u1eeda s\u1ed5<\/em>.<\/p>\n

            M\u1ed9t v\u0103n b\u1ea3n do NHNN so\u1ea1n th\u1ea3o l\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 85\/2002\/N\u0110-CP ng\u00e0y 25-10-2002 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD <\/em>c\u0169ng \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec3m sai s\u00f3t kh\u00e1 c\u01a1 b\u1ea3n v\u1ec1 k\u1ef9 thu\u1eadt l\u1eadp quy nh\u01b0 tr\u00ean. Khi m\u1ed9t \u0111o\u1ea1n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung \u0111\u01b0\u1ee3c \u0111\u1ec3 trong ngo\u1eb7c k\u00e9p, c\u00f3 n\u1ed9i dung c\u1ea7n vi\u1ec7n d\u1eabn \u0111\u1ebfn c\u00e1c n\u1ed9i dung trong v\u0103n b\u1ea3n g\u1ed1c, th\u00ec l\u1ea1i kh\u00f4ng nh\u1eafc \u0111\u1ebfn n\u1ed9i dung c\u1ee7a v\u0103n b\u1ea3n g\u1ed1c, m\u00e0 l\u1ea1i vi\u1ec7n d\u1eabn \u0111\u1ebfn v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i. V\u00ed d\u1ee5: \u0110\u00e1ng l\u1ebd ph\u1ea3i vi\u1ebft l\u00e0 \u201cquy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 15<\/strong>, Ngh\u1ecb \u0111\u1ecbnh n\u00e0y<\/em>\u201d (t\u1ee9c Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP), th\u00ec l\u1ea1i vi\u1ebft sai th\u00e0nh \u201cquy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1<\/strong>7, \u0110i\u1ec1u n\u00e0y<\/em>\u201d (t\u1ee9c Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 85\/2002\/N\u0110-CP).<\/p>\n

              \n
            1. \n
              V\u1ec1 c\u00e1c Quy ch\u1ebf, Quy \u0111\u1ecbnh:<\/strong><\/h5>\n<\/li>\n<\/ol>\n

              C\u00f3 nhi\u1ec1u lo\u1ea1i VBPQ ph\u1ee5 \u0111\u01b0\u1ee3c ban h\u00e0nh k\u00e8m theo c\u00e1c Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN nh\u01b0: Quy ch\u1ebf, Quy \u0111\u1ecbnh, \u0110i\u1ec1u l\u1ec7, Ch\u1ebf \u0111\u1ed9,… trong \u0111\u00f3 ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 Quy ch\u1ebf v\u00e0 Quy \u0111\u1ecbnh.<\/p>\n

              Quy ch\u1ebf, \u0110i\u1ec1u l\u1ec7 <\/em>l\u00e0 nh\u1eefng quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c, l\u00e0 c\u0103n c\u1ee9 c\u00f3 gi\u00e1 tr\u1ecb tr\u1ef1c ti\u1ebfp \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n ph\u1ea3i tu\u00e2n theo. C\u00f2n Quy ch\u1ebf<\/em> m\u1eabu, \u0110i\u1ec1u l\u1ec7<\/em> m\u1eabu (m\u1eabu \u0110i\u1ec1u l\u1ec7) l\u00e0 c\u00e1c quy \u0111\u1ecbnh \u0111\u1ec3 chuy\u1ec3n ho\u00e1 th\u00e0nh Quy ch\u1ebf<\/em> c\u1ee5 th\u1ec3 c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n ch\u01b0a ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa hai lo\u1ea1i n\u00e0y, l\u00e0m cho v\u0103n b\u1ea3n m\u1eabu<\/em> m\u00e0 \u0111\u01b0\u1ee3c l\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 m\u1eabu<\/em>. V\u00ed d\u1ee5:<\/p>\n

              – Quy ch\u1ebf m\u1eabu v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng ki\u1ec3m tra, ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 trong c\u00e1c TCTD ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam, <\/em>ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 03\/1998\/Q\u0110-NHNN3 ng\u00e0y 03-01-1998 kh\u00f4ng c\u00f3 \u0111\u1eb7c \u0111i\u1ec3m Quy ch\u1ebf m\u1eabu, m\u00e0 nhi\u1ec1u ch\u1ed7 l\u1ea1i \u0111\u01b0\u1ee3c vi\u1ebft nh\u01b0 m\u1ed9t Quy ch\u1ebf th\u00f4ng th\u01b0\u1eddng;<\/p>\n

              – M\u1eabu \u0110i\u1ec1u l\u1ec7 Ng\u00e2n h\u00e0ng TMCP c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n<\/em> d\u00e2n<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 383\/2002\/Q\u0110-NHNN ng\u00e0y 24-4-2002 c\u00f2n nhi\u1ec1u ch\u1ed7 vi\u1ebft \u201ctheo quy \u0111\u1ecbnh c\u1ee7a \u0110i\u1ec1u l\u1ec7 Ng\u00e2n h\u00e0ng<\/em>\u201d. \u0110\u00fang ra, ph\u1ea3i vi\u1ebft l\u00e0 \u201ctheo quy \u0111\u1ecbnh c\u1ee7a \u0110i\u1ec1u l\u1ec7 n\u00e0y<\/em>\u201d, v\u00ec c\u00e2u \u201ctheo quy \u0111\u1ecbnh c\u1ee7a \u0110i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng<\/em>\u201d l\u00e0 h\u00e0nh v\u0103n c\u1ee7a c\u00e1c VBPQ kh\u00f4ng ph\u1ea3i l\u00e0 VBPQ m\u1eabu, ch\u1eb3ng h\u1ea1n nh\u01b0 trong Quy \u0111\u1ecbnh v\u1ec1 C\u1ed5 \u0111\u00f4ng, c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu v\u00e0 v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a Ng\u00e2n h\u00e0ng TMCP c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1122\/2001\/Q\u0110-NHNN ng\u00e0y 04-9-2001.<\/p>\n

              M\u1ed9t s\u1ed1 Quy ch\u1ebf<\/em> tr\u01b0\u1edbc kia, g\u1ea7n \u0111\u00e2y l\u1ea1i \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Quy \u0111\u1ecbnh<\/em>. V\u1edbi c\u00f9ng m\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111i\u1ec1u ch\u1ec9nh c\u00f3 t\u00ednh ch\u1ea5t v\u00e0 n\u1ed9i dung gi\u1ed1ng nhau, 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 v\u00e0 v\u1ec1 c\u1ed5 \u0111\u00f4ng, c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu v\u00e0 v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a TCTD c\u1ed5 ph\u1ea7n, nh\u01b0ng n\u0103m 1994 th\u00ec \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 hai Quy ch\u1ebf<\/em>, \u0111\u1ebfn n\u0103m 2001 th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 hai Quy \u0111\u1ecbnh<\/em>.<\/p>\n

              Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt,<\/em> m\u1edbi ch\u1ec9 quy \u0111\u1ecbnh v\u1ec1 t\u00ean g\u1ecdi c\u1ee7a c\u00e1c VBPQ ch\u00ednh, c\u00f2n c\u00e1c lo\u1ea1i VBPQ ph\u1ee5 ban h\u00e0nh k\u00e8m theo (nh\u01b0 \u0110i\u1ec1u l\u1ec7, Th\u1ec3 l\u1ec7, N\u1ed9i quy, Quy ch\u1ebf, Quy \u0111\u1ecbnh, Quy tr\u00ecnh, Ch\u1ebf \u0111\u1ed9, Ti\u00eau chu\u1ea9n, Danh m\u1ee5c, B\u1ea3ng bi\u1ec3u,…) ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn. Tuy nhi\u00ean, theo T\u1eeb \u0111i\u1ec3n Ti\u1ebfng Vi\u1ec7t 2000 c\u1ee7a Vi\u1ec7n Ng\u00f4n ng\u1eef h\u1ecdc, th\u00ec Quy \u0111\u1ecbnh<\/em> \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 \u201c\u0110\u1ecbnh ra \u0111\u1ec3 ph\u1ea3i theo, ph\u1ea3i th\u1ef1c hi\u1ec7n<\/em>\u201d c\u00f2n Quy ch\u1ebf<\/em> \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 \u201cT\u1ed5ng th\u1ec3 n\u00f3i chung nh\u1eefng \u0111i\u1ec1u quy \u0111\u1ecbnh th\u00e0nh ch\u1ebf \u0111\u1ed9 \u0111\u1ec3 m\u1ecdi ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n trong nh\u1eefng ho\u1ea1t \u0111\u1ed9ng nh\u1ea5t \u0111\u1ecbnh n\u00e0o \u0111\u00f3<\/em>\u201d. Theo T\u1eeb \u0111i\u1ec3n Lu\u1eadt h\u1ecdc c\u1ee7a NXB T\u1eeb \u0111i\u1ec3n B\u00e1ch khoa n\u0103m 1999 th\u00ec Quy ch\u1ebf<\/em> c\u0169ng l\u00e0 \u201ct\u1ed5ng h\u1ee3p c\u00e1c quy \u0111\u1ecbnh, ch\u1ebf \u0111\u1ed9…<\/em>\u201d. V\u1eady, th\u00ec n\u00ean g\u1ecdi th\u1ed1ng nh\u1ea5t l\u00e0 Quy ch\u1ebf<\/em> (trong Quy ch\u1ebf<\/em> c\u00f3 c\u00e1c quy \u0111\u1ecbnh)<\/em>, tr\u00e1nh l\u1eabn l\u1ed9n gi\u1eefa \u0111\u1ed9ng t\u1eeb v\u00e0 danh t\u1eeb quy \u0111\u1ecbnh<\/em>. Ch\u1eb3ng h\u1ea1n, nhi\u1ec1u v\u0103n b\u1ea3n c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN c\u00f3 c\u1ee5m t\u1eeb \u201ctheo quy \u0111\u1ecbnh t\u1ea1i quy \u0111\u1ecbnh n\u00e0y<\/em>\u201d.<\/p>\n

              C\u0169ng kh\u00f4ng n\u00ean ban h\u00e0nh Ch\u1ebf \u0111\u1ed9 k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh. V\u00ed d\u1ee5, Ch\u1ebf \u0111\u1ed9 giao nh\u1eadn, b\u1ea3o qu\u1ea3n, v\u1eadn chuy\u1ec3n ti\u1ec1n m\u1eb7t, t\u00e0i s\u1ea3n qu\u00fd, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 269\/2002\/Q\u0110-NHNN ng\u00e0y 01-4-2002 n\u00ean thay b\u1eb1ng Quy ch\u1ebf<\/em> giao nh\u1eadn, b\u1ea3o qu\u1ea3n, v\u1eadn chuy\u1ec3n ti\u1ec1n m\u1eb7t, t\u00e0i s\u1ea3n qu\u00fd v\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1.<\/em><\/p>\n

              Nh\u00e2n \u0111\u00e2y c\u0169ng b\u00e0n th\u00eam v\u1ec1 v\u0103n b\u1ea3n \u0111\u1ecbnh ch\u1ebf c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Do ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh v\u1ec1 h\u00ecnh th\u1ee9c ban h\u00e0nh v\u0103n b\u1ea3n c\u1ee7a doanh nghi\u1ec7p, n\u00ean c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 ban h\u00e0nh tr\u1ef1c ti\u1ebfp c\u00e1c Quy ch\u1ebf<\/em>, Quy \u0111\u1ecbnh, N\u1ed9i quy, Quy tr\u00ecnh,…<\/em> m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh \u0111\u1ec3 tr\u00e1nh s\u1ef1 ph\u1ee9c t\u1ea1p, d\u00e0i d\u00f2ng, tr\u00f9ng l\u1eb7p kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\n

                \n
              1. \n
                V\u1ec1 vi\u1ec7c b\u00e3i b\u1ecf VBPQ:<\/strong><\/h5>\n<\/li>\n<\/ol>\n

                \u0110\u1ec3 th\u1ef1c hi\u1ec7n ch\u01b0\u01a1ng tr\u00ecnh r\u00e0 so\u00e1t, x\u00e2y d\u1ef1ng ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng VBPQ, b\u00ean c\u1ea1nh vi\u1ec7c VBPQ m\u1edbi c\u00f3 n\u1ed9i dung thay th\u1ebf, b\u00e3i b\u1ecf c\u00e1c VBPQ c\u0169 h\u1ebft hi\u1ec7u l\u1ef1c, th\u00ec c\u00f2n c\u00f3 c\u00e1c v\u0103n b\u1ea3n li\u1ec7t k\u00ea v\u00e0 c\u00f4ng b\u1ed1 c\u00e1c VBPQ h\u1ebft hi\u1ec7u l\u1ef1c. Tuy nhi\u00ean, v\u0103n b\u1ea3n \u0111i\u1ec3m danh<\/em> c\u00e1c VBPQ h\u1ebft hi\u1ec7u l\u1ef1c n\u00e0y c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN c\u00f2n ch\u01b0a th\u1ed1ng nh\u1ea5t v\u1ec1 h\u00ecnh th\u1ee9c. V\u00ed d\u1ee5:<\/p>\n

                – Ng\u00e0y 27-10-1999, c\u00f3 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 389\/1999\/Q\u0110-NHNN10 b\u00e3i b\u1ecf v\u0103n b\u1ea3n trong ng\u00e0nh Ng\u00e2n h\u00e0ng;<\/p>\n

                – Ng\u00e0y 21-3-2002, th\u00ec l\u1ea1i c\u00f3 Th\u00f4ng b\u00e1o s\u1ed1 282 NHNN-PC v\u1ec1 Danh m\u1ee5c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt b\u1ecb thay th\u1ebf, hu\u1ef7 b\u1ecf, b\u00e3i b\u1ecf.<\/p>\n

                Theo t\u00f4i, v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, vi\u1ec7c c\u00f4ng b\u1ed1 danh m\u1ee5c VBPQ b\u1ecb b\u00e3i b\u1ecf c\u00f3 \u00fd ngh\u0129a r\u1ea5t quan tr\u1ecdng. Do v\u1eady, c\u1ea7n \u0111\u01b0\u1ee3c ban h\u00e0nh d\u01b0\u1edbi h\u00ecnh th\u1ee9c m\u1ed9t VBPQ \u0111\u1ec3 \u0111\u0103ng C\u00f4ng b\u00e1o, c\u00f4ng b\u1ed1 r\u1ed9ng r\u00e3i, c\u00f4ng khai. Th\u1ef1c t\u1ebf, th\u00ec t\u1eeb n\u0103m 1977 \u0111\u1ebfn nay, Ch\u00ednh ph\u1ee7 v\u00e0 c\u00e1c B\u1ed9 ng\u00e0nh c\u0169ng \u0111\u1ec1u ban h\u00e0nh c\u00e1c Quy\u1ebft \u0111\u1ecbnh c\u00f4ng b\u1ed1 VBPQ b\u1ecb b\u00e3i b\u1ecf ho\u1eb7c c\u00f2n hi\u1ec7u l\u1ef1c.<\/p>\n

                Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1380\/Q\u0110-NHNN ng\u00e0y 16-12-2002 V\u1ec1 vi\u1ec7c hu\u1ef7 b\u1ecf quy \u0111\u1ecbnh m\u1ee9c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD<\/em> v\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1381\/Q\u0110-NHNN ng\u00e0y 16-12-2002 V\u1ec1 vi\u1ec7c TCTD cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n<\/em>, c\u00f9ng b\u00e3i b\u1ecf c\u00e1c Quy\u1ebft \u0111\u1ecbnh s\u1ed1 991, 992 v\u00e0 993\/2001\/Q\u0110-NHNN ng\u00e0y 06-8-2001 V\u1ec1 quy \u0111\u1ecbnh m\u1ee9c cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i h\u00ecnh t\u1ed5 ch\u1ee9c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>.<\/p>\n

                Do \u0111\u00f3, c\u1ea7n l\u1ef1a ch\u1ecdn h\u00ecnh th\u1ee9c v\u0103n b\u1ea3n ph\u00f9 h\u1ee3p, nh\u1eb1m tr\u00e1nh t\u00ecnh tr\u1ea1ng m\u1ed9t v\u0103n b\u1ea3n b\u1ecb b\u00e3i b\u1ecf 2, 3 l\u1ea7n ho\u1eb7c ng\u01b0\u1ee3c l\u1ea1i, tuy \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c nh\u01b0ng l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e3i b\u1ecf.<\/p>\n

                  \n
                1. \n
                  V\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 tr\u00e1ch nhi\u1ec7m thi h\u00e0nh VBPQ:<\/strong><\/h5>\n<\/li>\n<\/ol>\n

                  M\u1ed9t s\u1ed1 VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ch\u01b0a ph\u00e2n bi\u1ec7t r\u00f5 \u0111\u1ed1i t\u01b0\u1ee3ng thi h\u00e0nh l\u00e0 H\u0110QT, Ch\u1ee7 t\u1ecbch H\u0110QT v\u00e0 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c c\u00e1c TCTD. V\u00ed d\u1ee5:<\/p>\n

                  – Kho\u1ea3n 3, \u0110i\u1ec1u 4, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 242\/2000\/Q\u0110-NHNN1 ng\u00e0y 2-8-2000 C\u00f4ng b\u1ed1 bi\u00ean \u0111\u1ed9 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0m c\u01a1 s\u1edf cho TCTD \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay b\u1eb1ng \u0110\u1ed3ng Vi\u1ec7t Nam \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/em> c\u00f3 quy \u0111\u1ecbnh \u201cCh\u1ee7 t\u1ecbch H\u0110QT v\u00e0 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c (gi\u00e1m \u0111\u1ed1c) c\u00e1c TCTD ch\u1ecbu tr\u00e1ch nhi\u1ec7m thi h\u00e0nh Quy\u1ebft \u0111\u1ecbnh n\u00e0y<\/em>\u201d. \u0110\u00fang ra, tr\u00e1ch nhi\u1ec7m n\u00e0y kh\u00f4ng ph\u1ea3i c\u1ee7a c\u00e1 nh\u00e2n Ch\u1ee7 t\u1ecbch m\u00e0 ph\u1ea3i l\u00e0 c\u1ee7a H\u0110QT, v\u00ec Ch\u1ee7 t\u1ecbch H\u0110QT l\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u m\u1ed9t t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng theo ch\u1ebf \u0111\u1ed9 t\u1eadp th\u1ec3 ch\u1ee9 kh\u00f4ng ph\u1ea3i theo ch\u1ebf \u0111\u1ed9 th\u1ee7 tr\u01b0\u1edfng;<\/p>\n

                  – Kho\u1ea3n 2, \u0110i\u1ec1u 3, Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c thu ph\u00ed d\u1ecbch v\u1ee5 thanh to\u00e1n qua ng\u00e2n h\u00e0ng<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 448\/Q\u0110-NHNN2 ng\u00e0y 20-10-2000 vi\u1ebft: \u201cT\u1ed5ng Gi\u00e1m \u0111\u1ed1c (gi\u00e1m \u0111\u1ed1c) TCTD \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh m\u1ee9c thu ph\u00ed c\u1ee7a t\u1eebng d\u1ecbch v\u1ee5 thanh to\u00e1n c\u1ee5 th\u1ec3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng..<\/em>.\u201d.<\/p>\n

                  Trong khi \u0111\u00f3, kho\u1ea3n 9, \u0110i\u1ec1u 26 v\u00e0 kho\u1ea3n 8, \u0110i\u1ec1u 45, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 49 CP\/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<\/em> v\u00e0 m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n kh\u00e1c \u0111\u00e3 quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3: H\u0110QT l\u00e0 ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n \u201cQuy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t, t\u1ef7 gi\u00e1, t\u1ef7 l\u1ec7 hoa h\u1ed3ng, ph\u00ed, m\u1ee9c ti\u1ec1n ph\u1ea1t \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d.<\/p>\n

                    \n
                  1. \n
                    V\u1ec1 m\u1ed9t s\u1ed1 kh\u00e1i ni\u1ec7m ph\u00e1p l\u00fd trong c\u00e1c VBPQ:<\/strong><\/h5>\n<\/li>\n<\/ol>\n

                    \u0110\u00f4i khi, VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN c\u00f2n c\u00f3 s\u1ef1 nh\u1ea7m l\u1eabn trong vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c thu\u1eadt ng\u1eef, kh\u00e1i ni\u1ec7m ph\u00e1p l\u00fd.<\/p>\n

                    C\u00f3 hi\u1ec7n t\u01b0\u1ee3ng g\u1ecdi nh\u1ea7m t\u00ean m\u1ed9t \u0111\u1ea1o lu\u1eadt<\/em> th\u00e0nh b\u1ed9 lu\u1eadt<\/em>. V\u00ed d\u1ee5: Ch\u1ec9 th\u1ecb s\u1ed1 10\/CT-NH1 ng\u00e0y 07-10-1997 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng V\u1ec1 vi\u1ec7c \u0111\u1ea9y m\u1ea1nh th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 nhi\u1ec7m v\u1ee5 tr\u1ecdng t\u00e2m trong ho\u1ea1t \u0111\u1ed9ng Ng\u00e2n h\u00e0ng qu\u00fd V\/1997,<\/em> \u0111\u00e3 nh\u1eafc \u0111\u1ebfn \u201cB\u1ed9 lu\u1eadt Ng\u00e2n h\u00e0ng<\/em>\u201d. Ngo\u00e0i ra, C\u00f4ng v\u0103n s\u1ed1 1220\/CV-KT-TC2 ng\u00e0y 12-11-1998 c\u1ee7a NHNN v\u1ec1 vi\u1ec7c H\u01b0\u1edbng d\u1eabn n\u1ed9i dung Quy\u1ebft to\u00e1n n\u0103m 1998<\/em> (kh\u00f4ng ph\u1ea3i l\u00e0 VBPQ) c\u00f2n ghi \u201c2 B\u1ed9 lu\u1eadt Ng\u00e2n h\u00e0ng\u201d.<\/em> Ch\u01b0a bao gi\u1edd c\u00f3 m\u1ed9t hay hai \u201cB\u1ed9 l\u1ee5\u00e2t Ng\u00e2n h\u00e0ng<\/em>\u201d m\u00e0 ch\u1ec9 l\u00e0 hai Lu\u1eadt hay hai \u0111\u1ea1o lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng. Ch\u00fang ta m\u1edbi ch\u1ec9 c\u00f3 5 b\u1ed9 lu\u1eadt (B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1<\/em> 1985, \u0111\u00e3 \u0111\u01b0\u1ee3c thay b\u1eb1ng B\u1ed9 lu\u1eadt m\u1edbi 1999; B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng h\u00ecnh s\u1ef1<\/em> 1987; B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i<\/em> 1990; B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng<\/em> 1994 v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1<\/em> 1995). Sai s\u00f3t n\u00e0y c\u00f2n g\u1eb7p kh\u00e1 nhi\u1ec1u tr\u00ean T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng, Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 tr\u00ean nhi\u1ec1u b\u00e1o ch\u00ed kh\u00e1c.<\/p>\n

                    Ph\u00e1p l\u1ec7nh NHNN<\/em> tr\u01b0\u1edbc \u0111\u00e2y c\u0169ng nh\u01b0 \u0110i\u1ec1u 22, Lu\u1eadt NHNN Vi\u1ec7t Nam<\/em> hi\u1ec7n nay \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5: \u0110\u01a1n v\u1ecb ti\u1ec1n t\u1ec7 c\u1ee7a n\u01b0\u1edbc C\u1ed9ng ho\u00e0 XHCN Vi\u1ec7t Nam l\u00e0 “\u0111\u1ed3ng<\/em>“, k\u00fd hi\u1ec7u qu\u1ed1c gia l\u00e0 “\u0111<\/em>“, k\u00fd hi\u1ec7u qu\u1ed1c t\u1ebf l\u00e0 “VND<\/em>“. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 vi\u1ebft sai k\u00fd hi\u1ec7u \u0111\u1ed3ng Vi\u1ec7t Nam l\u00e0 VN\u0110<\/em>. V\u00ed d\u1ee5: Quy\u1ebft \u0111\u1ecbnh s\u1ed1 700\/2002\/Q\u0110-NHNN ng\u00e0y 04-7-2002 V\u1ec1 ti\u1ec1n g\u1eedi d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c b\u1eb1ng VN\u0110 \u0111\u1ed1i v\u1edbi c\u00e1c TCTD tham gia thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng<\/em>.<\/p>\n

                    Trong m\u1ed9t s\u1ed1 VBPQ, kh\u00e1i ni\u1ec7m \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em> \u0111\u00e3 b\u1ecb s\u1eed d\u1ee5ng v\u1edbi \u00fd ngh\u0129a l\u00e0 m\u1ed9t cu\u1ed9c h\u1ecdp c\u1ee7a c\u1ed5 \u0111\u00f4ng. V\u00ed d\u1ee5:<\/p>\n

                    – Quy \u0111\u1ecbnh v\u1ec1 c\u1ed5 \u0111\u00f4ng, c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu v\u00e0 v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a Ng\u00e2n h\u00e0ng TMCP c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1122\/2001\/Q\u0110-NHNN ng\u00e0y 04-9-2001;<\/p>\n

                    – M\u1eabu \u0110i\u1ec1u l\u1ec7 Ng\u00e2n h\u00e0ng TMCP c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n<\/em> d\u00e2n<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 383\/2002\/Q\u0110-NHNN ng\u00e0y 24-4-2002.<\/p>\n

                    Trong c\u00e1c v\u0103n b\u1ea3n tr\u00ean, \u0111\u00e3 c\u00f3 nhi\u1ec1u l\u1ea7n xu\u1ea5t hi\u1ec7n c\u00e1c c\u1ee5m t\u1eeb nh\u01b0: \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng l\u1ea7n th\u1ee9 nh\u1ea5t<\/em>, \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng th\u01b0\u1eddng ni\u00ean<\/em>, \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng b\u1ea5t th\u01b0\u1eddng<\/em>, gi\u1eefa hai k\u1ef3 \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em>, b\u1ea5t k\u1ef3 \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng n\u00e0o<\/em>, tri\u1ec7u t\u1eadp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em>, ti\u1ebfn h\u00e0nh \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em>, \u0111\u1ebfn \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em>, tham d\u1ef1 \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em>, ph\u00e1t bi\u1ec3u t\u1ea1i \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em>, bi\u1ec3u quy\u1ebft t\u1ea1i \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em>, b\u1ea7u c\u1eed trong \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em>, bi\u00ean b\u1ea3n \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em>,… M\u1ed9t s\u1ed1 ch\u1ed7 c\u00f2n b\u1ecb vi\u1ebft sai th\u00e0nh \u0110\u1ea1i h\u1ed9i C\u1ed5 \u0111\u00f4ng<\/em>, th\u1eadm ch\u00ed ch\u1ec9 c\u00f2n hai ch\u1eef \u0110\u1ea1i h\u1ed9i<\/em>. Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay, \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c c\u1ed5 \u0111\u00f4ng, do \u0111\u00f3 vi\u1ebft: \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em> l\u1ea7n th\u1ee9 nh\u1ea5t<\/em>, \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng th\u01b0\u1eddng ni\u00ean<\/em>, \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng b\u1ea5t th\u01b0\u1eddng<\/em> hay k\u1ebft th\u00fac \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em> \u0111\u1ec1u l\u00e0 v\u00f4 ngh\u0129a, kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. T\u00f3m l\u1ea1i, trong t\u1ea5t c\u1ea3 nh\u1eefng c\u1ee5m t\u1eeb tr\u00ean \u0111\u1ec1u thi\u1ebfu m\u1ed9t t\u1eeb h\u1ecdp<\/em> hay cu\u1ed9c h\u1ecdp<\/em> tr\u01b0\u1edbc ch\u1eef \u0110\u1ea1i h\u1ed9i<\/em>.<\/p>\n

                    \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em> l\u00e0 m\u1ed9t c\u01a1 quan,<\/em> m\u1ed9t t\u1ed5 ch\u1ee9c<\/em> xu\u1ea5t hi\u1ec7n v\u00e0 t\u1ed3n t\u1ea1i song h\u00e0nh v\u1edbi s\u1ef1 xu\u1ea5t hi\u1ec7n v\u00e0 t\u1ed3n t\u1ea1i c\u1ee7a m\u1ed9t Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n. \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng<\/em> hi\u1ec7n h\u1eefu li\u00ean t\u1ee5c trong m\u1ecdi kho\u1ea3ng th\u1eddi gian, d\u00f9 c\u00f3 t\u1ed5 ch\u1ee9c h\u1ecdp hay kh\u00f4ng h\u1ecdp c\u1ed5 \u0111\u00f4ng. Nh\u01b0ng t\u1eeb h\u1ea7u h\u1ebft c\u00e1c C\u00f4ng ty c\u1ed5 ph\u1ea7n (k\u1ec3 c\u1ea3 Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n) cho \u0111\u1ebfn c\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc, c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang \u0111\u1ec1u s\u1eed d\u1ee5ng sai kh\u00e1i ni\u1ec7m n\u00e0y. M\u1eabu \u0110i\u1ec1u l\u1ec7 \u00e1p d\u1ee5ng cho c\u00e1c c\u00f4ng ty ni\u00eam y\u1ebft<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 07\/2002\/Q\u0110-VPCP ng\u00e0y 19-11-2002 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng, Ch\u1ee7 nhi\u1ec7m V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7 (do U\u1ef7 ban Ch\u1ee9ng kho\u00e1n Nh\u00e0 n\u01b0\u1edbc so\u1ea1n th\u1ea3o) c\u0169ng c\u00f3 s\u1ef1 nh\u1ea7m l\u1eabn nh\u01b0 v\u1eady.<\/p>\n

                    T\u1eeb n\u0103m 2000, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 75\/2000\/N\u0110-CP ng\u00e0y 08-12-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c,<\/em> \u0111\u00e3 thay \u0111\u1ed5i kh\u00e1i ni\u1ec7m c\u01a1 quan \u201cC\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc<\/em>\u201d b\u1eb1ng c\u01a1 quan \u201cC\u00f4ng ch\u1ee9ng<\/em>\u201d (b\u1ecf t\u1eeb Nh\u00e0 n\u01b0\u1edbc<\/em>); nh\u01b0ng cho \u0111\u1ebfn Th\u00f4ng t\u01b0 s\u1ed1 07\/2003\/TT-NHNN ng\u00e0y 19-5-2003 H\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD<\/em>, v\u1eabn c\u00f3 5 l\u1ea7n nh\u1eafc \u0111\u1ebfn c\u1ee5m t\u1eeb \u201cc\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc<\/strong><\/em>\u201d. Tr\u01b0\u1edbc \u0111\u00f3 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 85\/2002\/N\u0110-CP ng\u00e0y 25-10-2002 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c TCTD <\/em>do NHNN so\u1ea1n th\u1ea3o c\u0169ng \u0111\u00e3 c\u00f3 t\u1edbi 4 l\u1ea7n nh\u1eafc t\u1edbi c\u1ee5m t\u1eeb \u201cC\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc<\/em>\u201d.<\/p>\n

                    VBPQ l\u00e0 thu\u1ed9c th\u1ea9m quy\u1ec1n ban h\u00e0nh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u1ee7a NHNN. Nh\u01b0ng hi\u1ec7n nay c\u00f2n thi\u1ebfu s\u1ef1 ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng. Ngay trong Lu\u1eadt C\u00e1c TCTD<\/em>, b\u00ean c\u1ea1nh 17 l\u1ea7n xu\u1ea5t hi\u1ec7n c\u1ee5m t\u1eeb Th\u1ed1ng \u0111\u1ed1c<\/em><\/strong> NHNN quy \u0111\u1ecbnh<\/em> (ho\u1eb7c quy\u1ebft \u0111\u1ecbnh, cho ph\u00e9p, c\u1ea5p ph\u00e9p, ch\u1ea5p thu\u1eadn, chu\u1ea9n y,…), th\u00ec c\u0169ng l\u1ea1i c\u00f3 t\u1edbi 41 l\u1ea7n ghi nh\u1eadn c\u1ee5m t\u1eeb NHNN quy \u0111\u1ecbnh<\/em> (ho\u1eb7c quy\u1ebft \u0111\u1ecbnh, cho ph\u00e9p, c\u1ea5p ph\u00e9p, ch\u1ea5p thu\u1eadn, chu\u1ea9n y,…). V\u00ed d\u1ee5, kho\u1ea3n 1, \u0110i\u1ec1u 28 v\u00e0 kho\u1ea3n 2, \u0110i\u1ec1u 30 th\u00ec vi\u1ebft: \u201cNHNN chu\u1ea9n y<\/em>\u201d, nh\u01b0ng \u0111\u1ebfn kho\u1ea3n 2, \u0110i\u1ec1u 36, th\u00ec l\u1ea1i l\u00e0: \u201cTh\u1ed1ng \u0111\u1ed1c<\/em><\/strong> NHNN chu\u1ea9n y<\/em>\u201d; ho\u1eb7c t\u1ea1i c\u00e1c kho\u1ea3n 1 v\u00e0 2, \u0110i\u1ec1u 31; c\u00e1c kho\u1ea3n 1 v\u00e0 3, \u0110i\u1ec1u 32; \u0110i\u1ec1u 34; c\u00e1c kho\u1ea3n 1 v\u00e0 2, \u0110i\u1ec1u 99; kho\u1ea3n 1, \u0110i\u1ec1u 122, th\u00ec vi\u1ebft: \u201cNHNN ch\u1ea5p thu\u1eadn<\/em>\u201d; nh\u01b0ng ri\u00eang \u0110i\u1ec1u 46, th\u00ec l\u1ea1i l\u00e0: \u201cTh\u1ed1ng \u0111\u1ed1c<\/em><\/strong> NHNN ch\u1ea5p thu\u1eadn<\/em>\u201d.<\/p>\n

                    Ngay trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 101\/CP ng\u00e0y 23-9-1997 c\u1ee7a Ch\u00ednh ph\u1ee7 Quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt<\/em>, c\u0169ng \u0111\u00e3 kh\u00f4ng chu\u1ea9n x\u00e1c, khi \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u0103n b\u1ea3n c\u1ee7a B\u1ed9 (c\u01a1 quan) khi th\u00ec c\u1ee7a B\u1ed9 tr\u01b0\u1edfng (th\u1ee7 tr\u01b0\u1edfng c\u01a1 quan).<\/p>\n

                      \n
                    1. V\u1ec1 vi\u1ec7c vi\u1ebft hoa trong VBPQ:<\/strong><\/li>\n<\/ol>\n

                      Chu\u1ea9n ng\u00f4n ng\u1eef lu\u00f4n bi\u1ebfn \u0111\u1ed9ng theo th\u1eddi gian, trong \u0111\u00f3 c\u00f3 vi\u1ec7c vi\u1ebft hoa. H\u00e0ng ch\u1ee5c n\u0103m nay, c\u00f3 xu h\u01b0\u1edbng t\u0103ng c\u01b0\u1eddng vi\u1ebft hoa, r\u00f5 n\u00e9t nh\u1ea5t l\u00e0 c\u00e1c danh t\u1eeb ri\u00eang ch\u1ec9 \u0111\u1ecba danh ph\u1ea3i vi\u1ebft hoa t\u1ea5t c\u1ea3 c\u00e1c ch\u1eef c\u00e1i \u0111\u1ea7u ti\u00ean c\u1ee7a \u00e2m ti\u1ebft, nh\u01b0: th\u00e0nh ph\u1ed1 H\u1ea3i Ph\u00f2ng, qu\u1eadn \u0110\u1ed1ng \u0110a (kh\u00e1c v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y). Nh\u01b0ng c\u00f2n nhi\u1ec1u VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN kh\u00f4ng vi\u1ebft hoa nhi\u1ec1u ch\u1eef c\u1ea7n \u0111\u01b0\u1ee3c vi\u1ebft hoa nh\u01b0 ch\u1eef nam<\/em> trong Vi\u1ec7t Nam<\/em> v\u00e0 ch\u1eef n\u1ed9i<\/em> trong H\u00e0 N\u1ed9i, ch\u1eef c\u00f4ng<\/em> trong C\u00f4ng b\u00e1o<\/em>. V\u0103n b\u1ea3n c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN c\u0169ng th\u01b0\u1eddng kh\u00f4ng vi\u1ebft hoa ch\u1eef \u0111\u1ea7u ti\u00ean ti\u1ebfp sau c\u00e1c ch\u1eef Lu\u1eadt, Ph\u00e1p l\u1ec7nh, Ngh\u1ecb \u0111\u1ecbnh, Quy\u1ebft \u0111\u1ecbnh, Th\u00f4ng t\u01b0, Quy ch\u1ebf, Quy \u0111\u1ecbnh,…<\/p>\n

                      Tuy ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c vi\u1ebft hoa trong c\u00e1c VBPQ n\u00f3i chung, nh\u01b0ng c\u00f3 th\u1ec3 th\u1ea5y, VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN hi\u1ec7n nay c\u00f2n t\u01b0\u01a1ng \u0111\u1ed1i kh\u00e1c bi\u1ec7t so v\u1edbi hai v\u0103n b\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e3 h\u1ed9i th\u1eeba nh\u1eadn r\u1ed9ng r\u00e3i d\u01b0\u1edbi \u0111\u00e2y (tuy c\u0169ng ch\u01b0a ho\u00e0n to\u00e0n h\u1ee3p l\u00fd):<\/p>\n

                      – Quy \u0111\u1ecbnh t\u1ea1m th\u1eddi v\u1ec1 vi\u1ebft hoa trong v\u0103n b\u1ea3n c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7, <\/em>ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 09\/1998\/Q\u0110-VPCP ng\u00e0y 25-11-1998 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng, Ch\u1ee7 nhi\u1ec7m V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7;<\/p>\n

                      – Quy \u0111\u1ecbnh t\u1ea1m th\u1eddi v\u1ec1 vi\u1ec7c vi\u1ebft hoa t\u00ean ri\u00eang trong s\u00e1ch gi\u00e1o khoa<\/em>, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 07\/2003\/Q\u0110-BGD-\u0110T ng\u00e0y 13-3-2003 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 Gi\u00e1o d\u1ee5c v\u00e0 \u0110\u00e0o t\u1ea1o.<\/p>\n

                      M\u1ed9t s\u1ed1 ki\u1ebfn ngh\u1ecb:<\/strong><\/h4>\n

                      \u0110\u1ec3 g\u00f3p ph\u1ea7n ho\u00e0n thi\u1ec7n k\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, gi\u00fap cho vi\u1ec7c thu\u1eadn ti\u1ec7n trong theo d\u00f5i, ph\u00e2n bi\u1ec7t, ghi nh\u1edb, tra c\u1ee9u, vi\u1ec7n d\u1eabn v\u00e0 \u00e1p d\u1ee5ng, t\u00f4i xin c\u00f3 m\u1ed9t s\u1ed1 \u0111\u1ec1 ngh\u1ecb sau:<\/p>\n

                        \n
                      1. H\u1ea1n ch\u1ebf t\u1ed1i \u0111a vi\u1ec7c ban h\u00e0nh c\u00e1c C\u00f4ng v\u0103n \u0111\u1ec3 nh\u1eafc nh\u1edf v\u00e0 h\u01b0\u1edbng d\u1eabn c\u00e1c v\u1ea5n \u0111\u1ec1 thay cho Quy\u1ebft \u0111\u1ecbnh, Ch\u1ec9 th\u1ecb, Th\u00f4ng t\u01b0 m\u00e0 trong \u0111\u00f3 l\u1ea1i ch\u1ee9a \u0111\u1ef1ng c\u00e1c n\u1ed9i dung quy ph\u1ea1m ph\u00e1p lu\u1eadt.<\/li>\n
                      2. N\u00ean x\u00e2y d\u1ef1ng k\u1ebft c\u1ea5u VBPQ m\u1ed9t c\u00e1ch th\u1ed1ng nh\u1ea5t, \u0111\u01a1n gi\u1ea3n, r\u00f5 r\u00e0ng, v\u1edbi c\u00e1c m\u1ee5c, c\u00e1c \u0111i\u1ec3m \u0111\u01b0\u1ee3c \u0111\u00e1nh s\u1ed1 th\u1ee9 t\u1ef1 xuy\u00ean su\u1ed1t t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i (nh\u01b0 k\u1ebft c\u1ea5u ch\u01b0\u01a1ng, \u0111i\u1ec1u<\/em>), h\u1ea1n ch\u1ebf t\u1ed1i \u0111a ki\u1ec3u k\u1ebft c\u1ea5u t\u1ea7ng t\u1ea7ng, l\u1edbp l\u1edbp t\u1eeb ph\u1ea7n<\/em>, ch\u01b0\u01a1ng<\/em>, m\u1ee5c<\/em> \u0111\u1ebfn \u0111i\u1ec3m<\/em> l\u1edbn, \u0111i\u1ec3m<\/em> nh\u1ecf,…<\/li>\n
                      3. C\u1ea7n \u0111\u1eb7t t\u00ean h\u1ebft s\u1ee9c c\u00f4 \u0111\u1ecdng, ng\u1eafn g\u1ecdn cho c\u00e1c VBPQ (k\u1ec3 c\u1ea3 VBPQ ph\u1ee5) c\u0169ng nh\u01b0 \u0111\u1eb7t t\u00ean ri\u00eang cho c\u00e1c ch\u01b0\u01a1ng <\/em>(ph\u1ea7n, m\u1ee5c<\/em>), v\u00e0 nh\u1ea5t l\u00e0 cho t\u1eebng \u0111i\u1ec1u <\/em>\u0111\u1ed1i v\u1edbi lo\u1ea1i v\u0103n b\u1ea3n c\u00f3 nhi\u1ec1u \u0111i\u1ec1u <\/em>quy \u0111\u1ecbnh v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1c nhau.<\/li>\n
                      4. N\u00ean ban h\u00e0nh th\u1ed1ng nh\u1ea5t m\u1ed9t lo\u1ea1i Quy ch\u1ebf<\/em> k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, thay cho c\u00e1c Quy \u0111\u1ecbnh<\/em>, Ch\u1ebf \u0111\u1ed9, Th\u1ec3 l\u1ec7<\/em>. \u0110\u1ed3ng th\u1eddi c\u1ea7n th\u1ed1ng nh\u1ea5t g\u1ecdi c\u00e1c Quy\u1ebft \u0111\u1ecbnh, Ch\u1ec9 th\u1ecb v\u00e0 Th\u00f4ng t\u01b0 l\u00e0 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ch\u1ee9 kh\u00f4ng g\u1ecdi l\u00e0 v\u0103n b\u1ea3n c\u1ee7a NHNN.<\/li>\n
                      5. Kh\u00f4ng n\u00ean chia m\u1ed9t Quy ch\u1ebf<\/em> th\u00e0nh 3 ch\u01b0\u01a1ng (m\u1ee5c)<\/em>, m\u00e0 \u00edt nh\u1ea5t ph\u1ea3i chia th\u00e0nh 4 ch\u01b0\u01a1ng<\/em> tr\u1edf l\u00ean; \u0111\u1eb7c bi\u1ec7t, nh\u1eefng Quy ch\u1ebf<\/em> ch\u1ec9 c\u00f3 kho\u1ea3ng tr\u00ean d\u01b0\u1edbi 10 \u0111i\u1ec1u,<\/em> th\u00ec kh\u00f4ng n\u00ean chia th\u00e0nh c\u00e1c ch\u01b0\u01a1ng <\/em>hay m\u1ee5c<\/em>.<\/li>\n
                      6. C\u1ea7n thay \u0111\u1ed5i t\u00ean ch\u01b0\u01a1ng<\/em> (ph\u1ea7n, m\u1ee5c<\/em>) \u201cQuy \u0111\u1ecbnh chung\u201d<\/em> b\u1eb1ng t\u00ean ch\u01b0\u01a1ng<\/em> \u201cNh\u1eefng<\/em><\/strong> quy \u0111\u1ecbnh chung<\/em>\u201d v\u00e0 ph\u1ea3i b\u1ecf h\u1eb3n c\u00e1c t\u00ean ch\u01b0\u01a1ng<\/em> \u201cQuy \u0111\u1ecbnh c\u1ee5 th\u1ec3\u201d (hay C\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 <\/em>ho\u1eb7c Nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3) <\/em>\u0111\u1ec3 th\u1ec3 hi\u1ec7n b\u1eb1ng nh\u1eefng t\u00ean ch\u01b0\u01a1ng<\/em> kh\u00e1c.<\/li>\n
                      7. H\u1ea1n ch\u1ebf t\u1ed1i \u0111a vi\u1ec7c nh\u1eafc l\u1ea1i c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt, Ph\u00e1p l\u1ec7nh, Ngh\u1ecb \u0111\u1ecbnh trong c\u00e1c VBPQ c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN; \u0111\u1ed3ng th\u1eddi c\u1ea7n c\u00f3 h\u00ecnh th\u1ee9c t\u1ed5ng h\u1ee3p, l\u1ed3ng gh\u00e9p c\u00e1c v\u0103n b\u1ea3n li\u00ean quan v\u00e0o m\u1ed9t v\u0103n b\u1ea3n ch\u00ednh th\u00e0nh c\u00e1c t\u1eadp v\u0103n b\u1ea3n, t\u00e0i li\u1ec7u tham kh\u1ea3o v\u1ec1 m\u1ed9t v\u1ea5n \u0111\u1ec1.<\/li>\n
                      8. Kh\u00f4ng n\u00ean s\u1eeda \u0111\u1ed5i, b\u1ed5 sung ch\u00ednh VBPQ m\u00e0 ch\u00ednh n\u00f3 \u0111\u00e3 l\u00e0 m\u1ed9t v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung; \u0111\u1ed3ng th\u1eddi, kh\u00f4ng n\u00ean vi\u1ec7n d\u1eabn c\u00e1c VBPQ s\u1eeda \u0111\u1ed5i, b\u1ed5 sung v\u1edbi t\u01b0 c\u00e1ch l\u00e0 m\u1ed9t VBPQ \u0111\u1ed9c l\u1eadp, m\u00e0 c\u1ea7n coi nh\u01b0 n\u00f3 l\u00e0 m\u1ed9t ph\u1ea7n hi\u1ec7n h\u00e0nh c\u1ee7a VBPQ g\u1ed1c (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung).<\/li>\n
                      9. N\u00ean vi\u1ebft hoa c\u00e1c ch\u1eef trong VBPQ theo c\u00e1c \u201cchu\u1ea9n m\u1ef1c ng\u00f4n ng\u1eef \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e3 h\u1ed9i th\u1eeba nh\u1eadn\u201d nh\u01b0 c\u00e1c Lu\u1eadt, Ph\u00e1p l\u1ec7nh v\u00e0 tr\u00ean c\u00e1c s\u00e1ch b\u00e1o m\u1edbi.<\/li>\n<\/ol>\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 \u0111\u00e3 \u0111\u0103ng T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng 2 s\u1ed1 9+10\/2004:<\/u><\/em><\/strong><\/p>\n

                        H\u00e0 N\u1ed9i 9-2003","protected":false},"excerpt":{"rendered":"

                        K\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o v\u0103n b\u1ea3n ph\u00e1p quy c\u1ee7a NHNN (TCNH) – Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ban h\u00e0nh h\u00e0ng ngh\u00ecn v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt (VBPQ) \u0111i\u1ec1u ch\u1ec9nh c\u00e1c ho\u1ea1t \u0111\u1ed9ng Ng\u00e2n h\u00e0ng. Ngo\u00e0i ra, NHNN c\u0169ng ch\u1ee7 tr\u00ec so\u1ea1n th\u1ea3o nhi\u1ec1u v\u0103n b\u1ea3n c\u1ee7a Qu\u1ed1c h\u1ed9i, U\u1ef7 ban Th\u01b0\u1eddng […]<\/p>\n","protected":false},"author":7,"featured_media":5079,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[32,39,31,36],"class_list":["post-5078","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-anvi","tag-cong-ty-luat-anvi","tag-luat-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n69. 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