{"id":5090,"date":"2005-06-15T17:08:13","date_gmt":"2005-06-15T10:08:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5090"},"modified":"2024-11-13T10:48:51","modified_gmt":"2024-11-13T03:48:51","slug":"73-nhung-kho-khan-cua-ngan-hang-trong-viec-thu-hoi-no-thong-qua-khau-thi-hanh-an","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/73-nhung-kho-khan-cua-ngan-hang-trong-viec-thu-hoi-no-thong-qua-khau-thi-hanh-an\/","title":{"rendered":"73. Nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c thu h\u1ed3i n\u1ee3 th\u00f4ng qua kh\u00e2u thi h\u00e0nh \u00e1n."},"content":{"rendered":"

Nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c thu h\u1ed3i n\u1ee3 th\u00f4ng qua kh\u00e2u thi h\u00e0nh \u00e1n. <\/span><\/h4>\n
(TCTT) – L\u00e2u nay, nh\u1eefng ng\u01b0\u1eddi c\u00f3 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p \u0111\u00e3 g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n \u0111\u1ec3 gi\u00e0nh l\u1ea1i l\u1ebd ph\u1ea3i v\u00e0 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p v\u1ec1 t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh, khi ph\u1ea3i th\u00f4ng qua con \u0111\u01b0\u1eddng x\u00e9t x\u1eed t\u1ea1i To\u00e0 \u00e1n. V\u00e0 h\u1ecd l\u1ea1i c\u00f2n v\u00f4 c\u00f9ng l\u1eadn \u0111\u1eadn trong ch\u1eb7ng \u0111\u01b0\u1eddng \u0111i \u0111\u1ebfn th\u1ef1c thi c\u00f4ng l\u00fd cu\u1ed1i c\u00f9ng, khi ph\u1ea3i thu h\u1ed3i t\u00e0i s\u1ea3n th\u00f4ng qua c\u01a1 quan thi h\u00e0nh \u00e1n. B\u1edfi ph\u00e1p lu\u1eadt c\u00f2n nhi\u1ec1u \u0111i\u1ec1u kh\u00f4ng h\u1ee3p l\u00fd, c\u00f2n b\u1ecb coi th\u01b0\u1eddng v\u00e0 nhi\u1ec1u khi b\u1ecb v\u00f4 hi\u1ec7u ho\u00e1 tr\u00ean th\u1ef1c t\u1ebf.<\/strong><\/h5>\n
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  1. V\u1ec1 ph\u00ed thi h\u00e0nh \u00e1n:<\/em><\/strong> \u0110i\u1ec1u 20, Ph\u00e1p l\u1ec7nh Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 s\u1ed1 13\/2004\/PL-UBTVQH ng\u00e0y 14-01-2004 quy \u0111\u1ecbnh \u201cNg\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n c\u00f3 \u0111\u01a1n y\u00eau c\u1ea7u thi h\u00e0nh \u00e1n ph\u1ea3i n\u1ed9p ph\u00ed thi h\u00e0nh \u00e1n \u0111\u1ed1i v\u1edbi kho\u1ea3n thi h\u00e0nh \u00e1n c\u00f3 gi\u00e1 ng\u1ea1ch t\u00ednh tr\u00ean gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n m\u00e0 ng\u01b0\u1eddi \u0111\u00f3 th\u1ef1c nh\u1eadn<\/em>\u201d. \u0110\u00e2y l\u00e0 m\u1ed9t quy \u0111\u1ecbnh kh\u00f4ng h\u1ee3p l\u00fd, \u0111\u1eb7c bi\u1ec7t thu v\u1edbi m\u1ee9c t\u1ea1m thu 5% nh\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p l\u00e0 qu\u00e1 cao (kho\u1ea3n n\u1ee3 1 t\u1ef7 \u0111\u1ed3ng ph\u1ea3i m\u1ea5t th\u00eam t\u1edbi 50 tri\u1ec7u \u0111\u1ed3ng ph\u00ed thi h\u00e0nh \u00e1n). C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng ph\u1ea3i m\u1ea5t r\u1ea5t nhi\u1ec1u ti\u1ec1n b\u1ea1c, c\u00f4ng s\u1ee9c khi ph\u1ea3i theo \u0111u\u1ed5i c\u00e1c v\u1ee5 ki\u1ec7n m\u1edbi \u0111\u1ebfn l\u00fac \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n. C\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc chi ti\u00eau b\u1eb1ng ti\u1ec1n thu\u1ebf c\u1ee7a nh\u00e2n d\u00e2n; n\u1ebfu c\u1ee9 ti\u1ebfn h\u00e0nh ho\u1ea1t \u0111\u1ed9ng ph\u1ee5c v\u1ee5 l\u1ee3i \u00edch chung c\u1ee7a x\u00e3 h\u1ed9i m\u00e0 l\u1ea1i thu ph\u00ed v\u00e0 thu ph\u00ed cao nh\u01b0 v\u1eady, th\u00ec c\u00f3 kh\u00e1c g\u00ec c\u00e1ch t\u00ednh to\u00e1n v\u00e0 h\u00e0nh \u0111\u1ed9ng c\u1ee7a c\u00e1c nh\u00e0 kinh doanh.<\/li>\n<\/ol>\n

    Vi\u1ec7c thu ph\u00ed thi h\u00e0nh \u00e1n ch\u1ec9 l\u00e0 b\u1ed5 sung th\u00eam m\u1ed9t ph\u1ea7n n\u00e0o chi ph\u00ed c\u00f4ng v\u1ee5 ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ngu\u1ed3n thu ch\u00ednh \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y. V\u00e0 \u0111\u1eb7c bi\u1ec7t kh\u00f4ng th\u1ec3 \u0111\u1ee9ng tr\u00ean quan \u0111i\u1ec3m, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c l\u1ee3i do b\u1ea5t k\u1ef3 l\u00fd do g\u00ec, k\u1ec3 c\u1ea3 do \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n th\u00ec ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 \u0111\u00f3ng g\u00f3p, ph\u00e2n ph\u1ed1i l\u1ea1i cho x\u00e3 h\u1ed9i. T\u00e0i s\u1ea3n m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng th\u00f4ng qua vi\u1ec7c thi h\u00e0nh \u00e1n ch\u1ec9 l\u00e0 s\u1ef1 tr\u1ea3 l\u1ea1i c\u00e1i m\u00e0 ng\u01b0\u1eddi ta \u0111\u00e3 b\u1ecb m\u1ea5t, m\u00e0 Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ea3o h\u1ed9. V\u00ec v\u1eady, n\u1ebfu ph\u1ea3i thu, th\u00ec c\u1ea7n quy \u0111\u1ecbnh r\u00f5 kho\u1ea3n ph\u00ed n\u00e0y, l\u00e0 do b\u00ean ph\u1ea3i thi h\u00e0nh \u00e1n ch\u1ecbu. C\u00f3 nh\u01b0 v\u1eady m\u1edbi n\u00e2ng cao \u0111\u01b0\u1ee3c tr\u00e1ch nhi\u1ec7m v\u00e0 khuy\u1ebfn kh\u00edch s\u1ef1 t\u1ef1 nguy\u1ec7n thi h\u00e0nh \u00e1n, th\u1eadm ch\u00ed c\u00f3 t\u00e1c d\u1ee5ng th\u00fac \u0111\u1ea9y gi\u1ea3i quy\u1ebft tranh ch\u1ea5p nhanh ch\u00f3ng h\u01a1n trong c\u00e1c giai \u0111o\u1ea1n t\u1ed1 t\u1ee5ng. H\u01a1n n\u1eefa, d\u00f9 c\u00f3 quy \u0111\u1ecbnh kho\u1ea3n ph\u00ed n\u00e0y do b\u00ean ph\u1ea3i thi h\u00e0nh \u00e1n ch\u1ecbu, th\u00ec trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p tr\u00ean th\u1ef1c t\u1ebf, do ch\u1ec9 thi h\u00e0nh \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n, n\u00ean b\u00ean \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n c\u0169ng v\u1eabn l\u00e0 ng\u01b0\u1eddi ch\u1ecbu thi\u1ec7t, v\u00ec Nh\u00e0 n\u01b0\u1edbc c\u0169ng s\u1ebd kh\u1ea5u tr\u1eeb tr\u01b0\u1edbc v\u00e0o s\u1ed1 ti\u1ec1n \u0111\u00e3 thu \u0111\u01b0\u1ee3c.<\/p>\n

    M\u1ed9t ph\u01b0\u01a1ng \u00e1n gi\u1ea3i quy\u1ebft kh\u00e1c l\u00e0: N\u1ebfu thi ph\u00ed thi h\u00e0nh \u00e1n \u1edf m\u1ee9c cao nh\u01b0 th\u1ebf th\u00ec \u0111\u00f3 th\u1eadt s\u1ef1 kh\u00f4ng c\u00f2n l\u00e0 m\u1ed9t kho\u1ea3n ph\u00ed m\u00e0 \u0111\u00e3 l\u00e0 m\u1ed9t kho\u1ea3n thu\u1ebf, do v\u1eady c\u1ea7n mi\u1ec5n gi\u1ea3m thu\u1ebf, l\u1ec7 ph\u00ed kh\u00e1c trong vi\u1ec7c x\u1eed l\u1ef7 t\u00e0i s\u1ea3n thi h\u00e0nh \u00e1n nh\u01b0: Thu\u1ebf chuy\u1ec3n quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng, l\u1ec7 ph\u00ed tr\u01b0\u1edbc b\u1ea1. \u0110\u00f3 l\u00e0 s\u1ef1 b\u1ea3o \u0111\u1ea3m cho m\u1ed9t nguy\u00ean t\u1eafc kh\u00f4ng thu thu\u1ebf ch\u1ed3ng l\u00ean thu\u1ebf.<\/p>\n

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    1. V\u1ec1 tr\u00e1ch nhi\u1ec7m x\u00e1c minh trong thi h\u00e0nh \u00e1n:<\/em><\/strong> Hi\u1ec7n nay, tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c c\u01a1 quan, \u0111\u01a1n v\u1ecb li\u00ean quan \u0111\u1ebfn c\u00f4ng t\u00e1c thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 v\u1eabn ch\u01b0a r\u00f5. V\u00ed d\u1ee5, m\u1ed9t v\u1ee5 vi\u1ec7c c\u1ee7a Ng\u00e2n h\u00e0ng TMCP Qu\u1ed1c T\u1ebf Vi\u1ec7t Nam (VIB), v\u1edbi m\u1ed9t kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c th\u1ec3 ch\u1ea5p b\u1eb1ng c\u0103n nh\u00e0 s\u1ed1 104\/1 L\u00ea L\u1ee3i, ph\u01b0\u1eddng 4, qu\u1eadn G\u00f2 V\u1ea5p, TP H\u1ed3 Ch\u00ed Minh c\u1ee7a v\u1ee3 ch\u1ed3ng \u00f4ng Nguy\u1ec5n Ph\u01b0\u1edbc Thi\u1ec7n. H\u1ed3 s\u01a1 th\u1ebf ch\u1ea5p l\u00e0 h\u1ee3p l\u1ec7, h\u1ee3p ph\u00e1p, \u0111\u00e3 \u0111\u01b0\u1ee3c C\u01a1 quan C\u00f4ng ch\u1ee9ng ch\u1ee9ng nh\u1eadn v\u00e0 To\u00e0 \u00e1n \u0111\u00e3 c\u00f3 Quy\u1ebft \u0111\u1ecbnh c\u00f4ng nh\u1eadn ho\u00e0 gi\u1ea3i th\u00e0nh t\u1eeb ng\u00e0y 25-12-2000, trong \u0111\u00f3 x\u00e1c \u0111\u1ecbnh vi\u1ec7c ph\u00e1t m\u00e3i c\u0103n nh\u00e0 \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Nh\u01b0ng \u0110\u1ed9i Thi h\u00e0nh \u00e1n qu\u1eadn G. TP HCM \u0111\u00e3 tr\u1ea3 l\u1eddi Ng\u00e2n h\u00e0ng l\u00e0, c\u0103n nh\u00e0 tr\u00ean kh\u00f4ng ph\u00e1t m\u1ea1i \u0111\u01b0\u1ee3c v\u00ec thu\u1ed9c di\u1ec7n 2\/IV (t\u1ee9c l\u00e0 nh\u00e0 do Nh\u00e0 n\u01b0\u1edbc \u0111ang qu\u1ea3n l\u00fd), hi\u1ec7n \u0111ang ch\u1edd quy\u1ebft \u0111\u1ecbnh x\u1eed l\u00fd c\u1ee7a UBND th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh. \u0110\u1ed9i Thi h\u00e0nh \u00e1n cho bi\u1ebft, \u0111\u00f3 l\u00e0 th\u00f4ng tin do Ph\u00f2ng Qu\u1ea3n l\u00fd \u0111\u00f4 th\u1ecb qu\u1eadn cung c\u1ea5p. Ph\u00f2ng Qu\u1ea3n l\u00fd \u0111\u00f4 th\u1ecb th\u00ec b\u1ea3o r\u1eb1ng l\u1ea5y t\u1eeb UBND Ph\u01b0\u1eddng. Nh\u01b0ng UBND Ph\u01b0\u1eddng l\u1ea1i kh\u1eb3ng \u0111\u1ecbnh l\u00e0 kh\u00f4ng bi\u1ebft vi\u1ec7c \u0111\u00f3. Qua g\u1ea7n 4 n\u0103m tr\u1eddi, v\u1edbi nhi\u1ec1u l\u1ea7n l\u00e0m vi\u1ec7c, trao \u0111\u1ed5i c\u00f4ng v\u0103n nh\u01b0ng kh\u00f4ng \u0111i \u0111\u1ebfn k\u1ebft qu\u1ea3. M\u1ee5 m\u1ed9t v\u1ee5 vi\u1ec7c b\u1ecb b\u1ebf t\u1eafc m\u00e0 kh\u00f4ng h\u1ec1 c\u00f3 l\u00fd do x\u00e1c \u0111\u00e1ng. N\u1ebfu kh\u00f4ng v\u00ec gi\u00e1 c\u1ea3 nh\u00e0 \u0111\u1ea5t t\u0103ng cao, ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n \u0111\u00e3 t\u01b0 nguy\u1ec7n tr\u1ea3 n\u1ee3 cho Ng\u00e2n h\u00e0ng, th\u00ec ch\u01b0a bi\u1ebft bao gi\u1edd m\u1edbi thi h\u00e0nh \u0111\u01b0\u1ee3c b\u1ea3n \u00e1n. Trong v\u1ee5 vi\u1ec7c n\u00e0y, c\u00f3 th\u1ec3 n\u00f3i c\u1ea3 c\u00e1c c\u01a1 quan quan li\u00ean quan c\u0169ng nh\u01b0 c\u01a1 quan thi h\u00e0nh \u00e1n \u0111\u1ec1u th\u1edd \u01a1 tr\u01b0\u1edbc quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n. Nh\u01b0ng t\u1ea5t c\u1ea3 nh\u1eefng vi\u1ec7c nh\u01b0 th\u1ebf, \u0111\u1ec1u kh\u00f4ng c\u00f3 ai ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m.<\/li>\n
    2. V\u1ec1 vi\u1ec7c b\u00e1n \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n thi h\u00e0nh \u00e1n:<\/em><\/strong> Trong nh\u1eefng n\u0103m qua, m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 nh\u1ee9c nh\u1ed1i l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u00e1n \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n thi h\u00e0nh \u00e1n \u0111\u00e3 ho\u00e0n t\u1ea5t, nh\u01b0ng l\u1ea1i b\u1ecb hu\u1ef7 k\u1ebft qu\u1ea3 do b\u1ea3n \u00e1n, quy\u1ebft \u0111\u1ecbnh c\u1ee7a To\u00e0 \u00e1n ho\u1eb7c th\u1ee7 t\u1ee5c b\u00e1n \u0111\u1ea5u gi\u00e1 b\u1ecb xem x\u00e9t l\u1ea1i. H\u1ea7u h\u1ebft nh\u1eefng vi\u1ec7c l\u00e0 \u0111\u1ec1u do c\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc g\u00e2y ra, nh\u01b0ng h\u1eadu qu\u1ea3 th\u00ec d\u01b0\u1eddng nh\u01b0 ch\u1ec9 c\u00f3 c\u00e1c \u0111\u01b0\u01a1ng s\u1ef1 g\u00e1nh ch\u1ecbu. V\u00ed d\u1ee5, tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u00e0 L\u00fd Th\u1ecb C\u1ea9m Th\u00fay, ng\u01b0\u1eddi \u0111\u00e3 tr\u00fang \u0111\u1ea5u gi\u00e1 hai l\u1ea7n (n\u0103m 2000 v\u00e0 2001) c\u0103n nh\u00e0 s\u1ed1 508 Nguy\u1ec5n Ch\u00ed Thanh, ph\u01b0\u1eddng 7, qu\u1eadn 10, TP HCM trong v\u1ee5 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a Ng\u00e2n h\u00e0ng TMCP Nam \u00c1. M\u1eb7c d\u00f9 t\u00e0i s\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c sang t\u00ean cho ng\u01b0\u1eddi mua, nh\u01b0ng sau \u0111\u00f3 l\u1ea1i b\u1ecb \u00a0hu\u1ef7 b\u1ecf. B\u00e0 Thu\u1ef7 nh\u01b0 ng\u01b0\u1eddi b\u1ecb tr\u1eddi ph\u1ea1t, b\u1ecb m\u1ea5t c\u1ee7a m\u1ed9t c\u00e1ch v\u00f4 c\u00f9ng ngang tr\u00e1i, m\u00e0 ph\u00e1p lu\u1eadt kh\u00f4ng th\u1ec3 c\u1ee9u v\u1edbt.<\/li>\n<\/ol>\n

      Hay nh\u01b0 tr\u01b0\u1eddng h\u1ee3p c\u1ee7a \u00f4ng L\u00ea H\u1ed3ng H\u1ea3i t\u1ea1i qu\u1eadn Ng\u00f4 Quy\u1ec1n, H\u1ea3i Ph\u00f2ng tr\u00fang \u0111\u1ea5u gi\u00e1 nh\u00e0 \u0111\u1ea5t trong v\u1ee5 b\u00e1n t\u00e0i s\u1ea3n \u0111\u1ec3 thi h\u00e0nh B\u1ea3n \u00e1n tr\u1ea3 n\u1ee3 Ng\u00e2n h\u00e0ng TMCP \u00c1 Ch\u00e2u t\u1eeb n\u0103m 1998. \u0110\u1ebfn t\u1eadn ng\u00e0y 04-6-2001 m\u1edbi ti\u1ebfn h\u00e0nh \u0111\u01b0\u1ee3c vi\u1ec7c b\u00e1n \u0111\u1ea5u gi\u00e1. Sau khi n\u1ed9p ti\u1ec1n 1,5 n\u0103m (\u0111\u1ebfn ng\u00e0y 03-01-2003), ng\u01b0\u1eddi mua m\u1edbi nh\u1eadn \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n. V\u00ec th\u1eddi gian k\u00e9o d\u00e0i, gi\u00e1 nh\u00e0 \u0111\u1ea5t t\u0103ng l\u00ean qu\u00e1 cao, ch\u1ee7 nh\u00e0 c\u0169 l\u1ea5n chi\u1ebfm tr\u1edf l\u1ea1i v\u00e0 li\u00ean t\u1ee5c khi\u1ebfu ki\u1ec7n v\u1ec1 k\u1ebft qu\u1ea3 b\u00e1n \u0111\u1ea5u gi\u00e1, ch\u1ec9 v\u00ec th\u1eddi h\u1ea1n th\u00f4ng b\u00e1o b\u00e1n \u0111\u1ea7u gi\u00e1 ch\u01b0a \u0111\u1ee7 15 ng\u00e0y theo quy \u0111\u1ecbnh. M\u1ed9t l\u1ed7i r\u1ea5t nh\u1ecf do Trung t\u00e2m b\u00e1n \u0111\u1ea5u gi\u00e1 cho r\u1eb1ng, \u0111\u00f3 l\u00e0 th\u00f4ng b\u00e1o b\u00e1n \u0111\u1ea5u gi\u00e1 l\u1ea7n th\u1ee9 hai, n\u00ean kh\u00f4ng c\u1ea7n \u0111\u1ee7 th\u1eddi h\u1ea1n 15 ng\u00e0y, nh\u01b0ng \u0111\u00e3 l\u00e0m cho ng\u01b0\u1eddi mua ph\u1ea3i ch\u1ecbu thi\u1ec7t h\u1ea1i v\u00f4 c\u00f9ng to l\u1edbn v\u00ec ph\u1ea3i tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n.<\/p>\n

      V\u00ec v\u1eady, ph\u00e1p lu\u1eadt c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 ng\u01b0\u1eddi mua t\u00e0i s\u1ea3n theo \u0111\u00fang th\u1ee7 t\u1ee5c th\u00ec ph\u1ea3i \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u1ed1i \u0111a. N\u1ebfu c\u1ee9 nh\u01b0 v\u1eeba qua, th\u00ec nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p mua nh\u00e0 \u0111\u1ea5t t\u1eeb c\u00e1c c\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u0169ng kh\u00f4ng kh\u00e1c g\u00ec mua t\u00e0i s\u1ea3n b\u1ea5t h\u1ee3p ph\u00e1p. V\u1eeba qua, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 164\/2004\/N\u0110-CP ng\u00e0y 14-9-2004 v\u1ec1 K\u00ea bi\u00ean, \u0111\u1ea5u gi\u00e1 quy\u1ec1n quy \u0111\u1ecbnh \u0111\u1ea5t \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m thi h\u00e0nh \u00e1n v\u00e0 \u0111\u00e3 kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n h\u1ea1n ch\u1ebf n\u00f3i tr\u00ean.<\/p>\n

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      1. V\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n:<\/em><\/strong> \u0110\u00e2y l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 r\u1ea5t quan tr\u1ecdng v\u00e0 th\u01b0\u1eddng g\u1eb7p trong h\u1ea7u h\u1ebft c\u00e1c v\u1ee5 vi\u1ec7c thi h\u00e1nh \u00e1n nh\u01b0ng l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong c\u1ea3 B\u1ed9 lu\u1eadt T\u1ed5 t\u1ee5ng d\u00e2n s\u1ef1 c\u0169ng nh\u01b0 Ph\u00e1p l\u1ec7nh Thi h\u00e1nh \u00e1n d\u00e2n s\u1ef1 n\u0103m 2004. Kho\u1ea3n 1, Ph\u1ea7n III, Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 01\/TTLT ng\u00e0y 19-6-1997 c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao, Vi\u1ec7n Ki\u1ec3m s\u00e1t Nh\u00e2n d\u00e2n T\u1ed1i cao, B\u1ed9 T\u01b0 ph\u00e1p, B\u1ed9 T\u00e0i ch\u00ednh H\u01b0\u1edbng d\u1eabn vi\u1ec7c x\u00e9t x\u1eed v\u00e0 thi h\u00e0nh \u00e1n v\u1ec1 t\u00e0i s\u1ea3n c\u00f3 quy \u0111\u1ecbnh: B\u00ean ch\u1eadm thi h\u00e0nh \u00e1n \u201cph\u1ea3i ch\u1ecbu kho\u1ea3n ti\u1ec1n l\u00e3i c\u1ee7a s\u1ed1 ti\u1ec1n c\u00f2n ph\u1ea3i thi h\u00e0nh \u00e1n theo m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u01b0a thi h\u00e0nh \u00e1<\/em>n\u201d. Tuy nhi\u00ean, kh\u00f3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u00e2u l\u00e0 \u201cm\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n<\/em>\u201d. Nguy\u00ean nh\u00e2n l\u00e0, thay v\u00ec quy \u0111\u1ecbnh \u201cm\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n<\/em>\u201d b\u1eb1ng \u0111\u00fang m\u1ed9t con s\u1ed1 150% l\u00e3i su\u1ea5t n\u1ee3 trong h\u1ea1n nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, k\u1ec3 t\u1eeb ng\u00e0y 01-6-1999 \u0111\u1ebfn nay, b\u1eb1ng Quy\u1ebft \u0111\u1ecbnh s\u1ed1 189\/1999\/Q\u0110-NHNN1 ng\u00e0y 29-5-1999 V\u1ec1 vi\u1ec7c \u201cQuy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t cho vay b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi Kh\u00e1ch h\u00e0ng<\/em>\u201d, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 quy \u0111\u1ecbnh: \u201cL\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u01b0\u1ee3c tho\u1ea3 thu\u1eadn c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa b\u00ean cho vay v\u00e0 b\u00ean \u0111i vay, nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 150%<\/strong> m\u1ee9c l\u00e3i su\u1ea5t cho vay trong h\u1ea1n c\u00f9ng lo\u1ea1i<\/em>\u201d. M\u1eb7t kh\u00e1c, m\u1ee9c l\u00e3i su\u1ea5t trong h\u1ea1n c\u0169ng c\u00f3 nhi\u1ec1u lo\u1ea1i, v\u00e0 hi\u1ec7n nay, NHNN c\u0169ng kh\u00f4ng quy \u0111\u1ecbnh m\u1ee9c gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay trong h\u1ea1n nh\u01b0 tr\u01b0\u1edbc kia. Nh\u01b0 v\u1eady, s\u1ebd kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n theo Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch 01\/TTLT, v\u00ec kh\u00f4ng c\u00f3 c\u01a1 s\u1edf x\u00e1c \u0111\u1ecbnh \u0111\u00e2u l\u00e0 l\u00e3i su\u1ea5t trong h\u1ea1n, \u0111\u1ed3ng th\u1eddi c\u0169ng kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh \u201cm\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n<\/em>\u201d l\u00e0 bao nhi\u00eau trong kho\u1ea3ng t\u1eeb 100 \u0111\u1ebfn 150% l\u00e3i su\u1ea5t trong h\u1ea1n.<\/li>\n<\/ol>\n

        \u0110\u1ec3 gi\u1ea3i quy\u1ebft t\u00ecnh tr\u1ea1ng thi\u1ebfu c\u0103n c\u1ee9 ph\u00e1p l\u00fd trong c\u00e1ch t\u00ednh m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n theo nh\u1eefng quy \u0111\u1ecbnh n\u00eau tr\u00ean c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 v\u00e0 Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 01\/TTLT ng\u00e0y 19-6-1997, B\u1ed9 T\u01b0 ph\u00e1p \u0111\u00e3 c\u00f3 C\u00f4ng v\u0103n s\u1ed1 404\/TP-THA ng\u00e0y 24-2-2005 V\/v H\u01b0\u1edbng d\u1eabn m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 nghi\u1ec7p v\u1ee5 thi h\u00e0nh \u00e1n. T\u1ea1i \u0111i\u1ec3m 14.2, m\u1ee5c 14 c\u1ee7a C\u00f4ng v\u0103n n\u00e0y c\u00f3 h\u01b0\u1edbng d\u1eabn v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n nh\u01b0 sau: \u201cTrong th\u1eddi gian qua, NHNN ch\u1ec9 quy \u0111\u1ecbnh khung l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u00e1p d\u1ee5ng (v\u00ed d\u1ee5 quy \u0111\u1ecbnh khung l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n l\u00e0 100% \u0111\u1ebfn 150% m\u1ee9c l\u00e3i su\u1ea5t trong h\u1ea1n). M\u1eb7t kh\u00e1c Th\u00f4ng t\u01b0 01\/TTLT n\u00eau tr\u00ean kh\u00f4ng quy \u0111\u1ecbnh ti\u1ec1n l\u00e3i do ch\u1eadm thi h\u00e0nh \u00e1n \u0111\u01b0\u1ee3c t\u00ednh theo l\u00e3i su\u1ea5t c\u1ee7a lo\u1ea1i vay n\u00e0o (c\u00f3 k\u1ef3 h\u1ea1n hay kh\u00f4ng k\u1ef3 h\u1ea1n…). V\u00ec v\u1eady, \u0111\u1ec3 th\u1ef1c hi\u1ec7n th\u1ed1ng nh\u1ea5t vi\u1ec7c t\u00ednh l\u00e3i ch\u1eadm thi h\u00e0nh \u00e1n, t\u1eeb ng\u00e0y 15-3-2005 tr\u1edf \u0111i, c\u01a1 quan thi h\u00e0nh \u00e1n ph\u1ea3i t\u00ednh theo m\u1ee9c th\u1ea5p nh\u1ea5t c\u1ee7a khung l\u00e3i su\u1ea5t<\/strong> do NHNN quy \u0111\u1ecbnh<\/strong> cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u00e1p d\u1ee5ng theo t\u1eebng th\u1eddi k\u1ef3 v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t vay trung h\u1ea1n<\/strong>\u201d. <\/em>Tuy nhi\u00ean, h\u01b0\u1edbng d\u1eabn n\u00e0y ch\u1ec9 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u201cm\u1ee9c l\u00e3i su\u1ea5t cho vay qu\u00e1 h\u1ea1n<\/strong> th\u1ea5p nh\u1ea5t<\/em>\u201d do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh l\u00e0 b\u1eb1ng 100% l\u00e3i su\u1ea5t trong h\u1ea1n, nh\u01b0ng v\u1eabn ch\u01b0a \u0111\u1ee7 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 th\u1ef1c hi\u1ec7n, v\u00ec kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u201cm\u1ee9c l\u00e3i su\u1ea5t vay trung h\u1ea1n<\/em>\u201d, do hi\u1ec7n nay Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u1ee5 th\u1ec3 n\u00e0o. C\u0169ng kh\u00f4ng th\u1ec3 d\u1ef1a v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t cho vay trung h\u1ea1n c\u1ee7a Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, v\u00ec kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u00e0 th\u1ef1c t\u1ebf th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 bi\u1ebft c\u0103n c\u1ee9 v\u00e0o ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i n\u00e0o trong s\u1ed1 h\u00e0ng m\u1ea5y ch\u1ee5c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i tr\u00ean th\u1ecb tr\u01b0\u1eddng. Th\u1eadm ch\u00ed, trong c\u00f9ng m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng c\u00f3 th\u1ec3 h\u00e0ng ch\u1ee5c m\u1ee9c l\u00e3i su\u1ea5t cho vay trung h\u1ea1n kh\u00e1c nhau, tu\u1ef3 thu\u1ed9c v\u00e0o \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng, l\u0129nh v\u1ef1c cho vay v\u00e0 \u0111\u1ecba b\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c chi nh\u00e1nh kh\u00e1c nhau.<\/p>\n

          \n
        1. V\u1ec1 vi\u1ec7c thi h\u00e0nh \u00e1n li\u00ean quan \u0111\u1ebfn nh\u1eefng b\u1ea3n \u00e1n kh\u00f4ng kh\u1ea3 thi:<\/em><\/strong> M\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n khi\u1ebfn vi\u1ec7c thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 c\u1ee7a ch\u00fang ta nhi\u1ec1u khi r\u01a1i v\u00e0o v\u00f2ng lu\u1ea9n qu\u1ea9n, b\u1ebf t\u1eafc l\u00e0 do b\u1ea3n \u00e1n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thi h\u00e0nh. V\u00ed d\u1ee5, Th\u00e1ng 9-1998, Ng\u00e2n h\u00e0ng TMCP Qu\u1ed1c T\u1ebf kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 \u00f4ng \u0110\u1eb7ng H\u1ed3ng V\u00e2n, theo H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, m\u00e0 t\u00e0i s\u1ea3n b\u1ea3o l\u00e3nh l\u00e0 ng\u00f4i nh\u00e0 c\u1ee7a b\u00e0 Nguy\u1ec5n Th\u1ecb Ng\u1ecd. Ch\u1eb3ng hi\u1ec3u t\u1ea1i sao, To\u00e0 \u00e1n nh\u00e2n d\u00e2n TP H\u00e0 N\u1ed9i l\u1ea1i c\u00f3 hai Quy\u1ebft \u0111\u1ecbnh c\u00f9ng s\u1ed1, c\u00f9ng ng\u00e0y (18-11-1998), m\u1ed9t l\u00e0 \u201cQuy\u1ebft \u0111\u1ecbnh c\u00f4ng nh\u1eadn s\u1ef1 tho\u1ea3 thu\u1eadn c\u1ee7a c\u00e1c \u0111\u01b0\u01a1ng s\u1ef1<\/em>\u201d v\u00e0 m\u1ed9t l\u00e0 \u201cQuy\u1ebft \u0111\u1ecbnh \u0111\u00ecnh ch\u1ec9 vi\u1ec7c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n kinh t\u1ebf<\/em>\u201d. Sau \u0111\u00f3 To\u00e0 ph\u00fac th\u1ea9m TAND T\u1ed1i cao \u0111\u00e3 hu\u1ef7 \u201cQuy\u1ebft \u0111\u1ecbnh \u0111\u00ecnh ch\u1ec9 vi\u1ec7c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n kinh t\u1ebf<\/em>\u201d c\u1ee7a To\u00e0 H\u00e0 N\u1ed9i. Quy\u1ebft \u0111\u1ecbnh c\u00f4ng nh\u1eadn c\u1ee7a To\u00e0 s\u01a1 th\u1ea9m c\u00f3 ghi nh\u1eadn: Anh Ph\u1ea1m V\u0103n Th\u1ea3o nh\u1eadn tr\u1ea3 n\u1ee3 thay cho m\u1eb9 l\u00e0 b\u00e0 Ng\u1ecd, b\u1eb1ng c\u00e1ch \u201cl\u00e0m xong<\/em> th\u1ee7 t\u1ee5c chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu ng\u00f4i nh\u00e0 c\u1ee7a anh Th\u1ea3o cho ng\u01b0\u1eddi do Ng\u00e2n h\u00e0ng TMCP Qu\u1ed1c T\u1ebf Vi\u1ec7t Nam ch\u1ec9 \u0111\u1ecbnh<\/em>\u201d. Tuy nhi\u00ean, Quy\u1ebft \u0111\u1ecbnh l\u1ea1i kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111i\u1ec1u m\u1ea5u ch\u1ed1t nh\u1ea5t l\u00e0 \u201cchuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu ng\u00f4i nh\u00e0<\/em>\u201d n\u00e0o c\u1ee7a anh Th\u1ea3o v\u00e0 th\u1eddi h\u1ea1n n\u00e0o ph\u1ea3i ho\u00e0n th\u00e0nh vi\u1ec7c \u0111\u00f3. V\u00ec v\u1eady, cho \u0111\u1ebfn nay, v\u1eabn kh\u00f4ng th\u1ec3 n\u00e0o thi h\u00e0nh \u0111\u01b0\u1ee3c, trong khi th\u1eddi h\u1ea1n kh\u00e1ng ngh\u1ecb \u0111\u00e3 h\u1ebft t\u1eeb l\u00e2u. N\u1ebfu ph\u00e1p lu\u1eadt kh\u00f4ng c\u00f3 c\u01a1 ch\u1ebf gi\u1ea3i quy\u1ebft c\u00e1c t\u00ednh hu\u1ed1ng d\u1edf kh\u00f3c d\u1edf c\u01b0\u1eddi nh\u01b0 th\u1ebf, th\u00ec ch\u1eb3ng ho\u00e1 ra ph\u00e1p lu\u1eadt l\u00e0 tr\u00f2 \u0111\u00f9a v\u00e0 b\u1ea3n \u00e1n c\u1ee7a To\u00e0 l\u00e0 v\u00f4 gi\u00e1 tr\u1ecb?<\/li>\n
        2. V\u1ec1 vi\u1ec7c thi h\u00e0nh \u00e1n \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/em><\/strong> Nh\u00ecn chung, vi\u1ec7c thi h\u00e0nh \u00e1n \u0111\u00f2i n\u1ee3 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 kh\u00e1 thu\u1eadn l\u1ee3i, v\u00ec \u0111a s\u1ed1 l\u00e0 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u00e3 c\u00f3. Nh\u01b0ng vi\u1ec7c thi h\u00e0nh \u00e1n n\u00f3i chung v\u00e0 \u0111\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay n\u00f3i ri\u00eang c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, th\u00ec v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n. Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u00e0i s\u1ea3n \u0111\u1ec3 thi h\u00e0nh, th\u00ec ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n \u0111\u00e0nh m\u00f2n m\u1ecfi ch\u1edd \u0111\u1ee3i v\u00e0 ch\u1ec9 c\u00f2n bi\u1ebft mong ch\u1edd m\u1ed9t \u0111i\u1ec1u k\u1ef3 di\u1ec7u ki\u1ec3u nh\u01b0 m\u1ed9t ng\u00e0y n\u00e0o \u0111\u00f3 ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n tr\u00fang s\u1ed1 \u0111\u1ed9c \u0111\u1eafc. Nh\u01b0ng, \u0111i\u1ec1u \u0111\u00e1ng n\u00f3i l\u00e0, kh\u00e1 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng v\u1ec1 t\u00e0i s\u1ea3n nh\u01b0ng v\u1eabn kh\u00f4ng ch\u1ecbu thi h\u00e0nh. Ph\u00e1p lu\u1eadt g\u1ea7n nh\u01b0 \u0111ang b\u00f3 tay trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y, v\u00ec kh\u00f4ng c\u00f3 \u0111\u1ee7 bi\u1ec7n ph\u00e1p v\u00e0 \u0111i\u1ec1u ki\u1ec7n th\u1ef1c t\u1ebf \u0111\u1ec3 th\u1ef1c hi\u1ec7n. \u0110\u1eb7c bi\u1ec7t, nhi\u1ec1u doanh nghi\u1ec7p ph\u1ea3i thi h\u00e0nh \u00e1n tuy kh\u00f4ng b\u1ecb gi\u1ea3i th\u1ec3, ph\u00e1 s\u1ea3n nh\u01b0ng v\u1eabn l\u00e0m \u0111\u1ed9ng t\u00e1c \u201cgi\u1ea3 ch\u1ebft\u201d \u0111\u1ec3 tr\u1ed1n n\u1ee3. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n bi\u1ebft r\u00f5 nh\u1eefng ng\u01b0\u1eddi ch\u1ee7 doanh nghi\u1ec7p t\u1ea9u t\u00e1n, chuy\u1ec3n d\u1ecbch t\u00e0i s\u1ea3n sang cho c\u00e1 nh\u00e2n ho\u1eb7c doanh nghi\u1ec7p kh\u00e1c, nh\u01b0ng kh\u00f4ng c\u0169ng \u0111\u00e0nh b\u1ea5t l\u1ef1c. V\u00ed d\u1ee5, C\u00f4ng ty TNHH X\u00e2y d\u1ef1ng S\u1ea3n xu\u1ea5t Th\u01b0\u01a1ng m\u1ea1i S\u00f4ng C\u1ea7u c\u00f3 tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 Ng\u00e2n h\u00e0ng TMCP Qu\u1ed1c T\u1ebf theo \u201cQuy\u1ebft \u0111\u1ecbnh c\u00f4ng nh\u1eadn s\u1ef1 tho\u1ea3 thu\u1eadn c\u1ee7a c\u00e1c \u0111\u01b0\u01a1ng s\u1ef1<\/em>\u201d t\u1eeb th\u00e1ng 3-2002 c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n TP H\u1ed3 Ch\u00ed Minh. Nh\u01b0ng sau \u0111\u00f3, C\u00f4ng ty n\u00e0y l\u1eadp t\u1ee9c ng\u1eebng ho\u1ea1t \u0111\u1ed9ng, Gi\u00e1m \u0111\u1ed1c chuy\u1ec3n v\u1ed1n sang ho\u1ea1t \u0111\u1ed9ng r\u1ea5t m\u1ea1nh t\u1ea1i m\u1ed9t doanh nghi\u1ec7p m\u1edbi, nh\u01b0ng Ng\u00e2n h\u00e0ng kh\u00f4ng l\u00e0m g\u00ec \u0111\u01b0\u1ee3c, c\u01a1 quan thi h\u00e0nh \u00e1n v\u00e0 ph\u00e1p lu\u1eadt c\u0169ng b\u00f3 tay. Nguy\u00ean nh\u00e2n l\u00e0 do h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt c\u1ee7a ch\u00fang ta \u0111ang b\u1ea5t l\u1ef1c trong vi\u1ec7c ki\u1ec3m so\u00e1t ngu\u1ed3n thu nh\u1eadp c\u0169ng nh\u01b0 ho\u1ea1t \u0111\u1ed9ng chu chuy\u1ec3n c\u1ee7a \u0111\u1ed3ng ti\u1ec1n. Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 doanh nghi\u1ec7p c\u00f3 d\u1ea5u hi\u1ec7u chi\u1ebfm \u0111o\u1ea1t, ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1, nh\u01b0ng do kho\u1ea3n n\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng m\u1ed9t b\u1ea3n \u00e1n d\u00e2n s\u1ef1, n\u00ean ch\u1ee7 n\u1ee3 c\u0169ng ch\u1ec9 bi\u1ebft ng\u1eadm ng\u00f9i \u00f4m h\u1eadn.<\/li>\n
        3. V\u1ec1 tr\u01b0\u1eddng h\u1ee3p t\u1ef1 nguy\u1ec7n thi h\u00e0nh \u00e1n:<\/em><\/strong> Nhi\u1ec1u v\u1ee5 vi\u1ec7c, c\u00e1c b\u00ean \u0111\u01b0\u01a1ng s\u1ef1 t\u1ef1 nguy\u1ec7n thi h\u00e0nh, nh\u01b0ng l\u1ea1i v\u01b0\u1edbng m\u1eafc \u1edf c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh nh\u01b0 gi\u1ea5y t\u1edd t\u00e0i s\u1ea3n, \u0111\u0103ng k\u00fd tr\u01b0\u1edbc b\u1ea1, sang t\u00ean. M\u1ed9t trong nh\u1eefng kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi nhi\u1ec1u th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd, trong \u0111\u00f3 c\u00f3 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ec3 thi h\u00e0nh \u00e1n, l\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt r\u1ea5t ch\u1ed3ng ch\u00e9o, m\u1eadp m\u1edd v\u1ec1 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t. C\u1ea7n ph\u1ea3i nhanh ch\u00f3ng th\u1ed1ng nh\u1ea5t kh\u00e1i ni\u1ec7m b\u1ea5t \u0111\u1ed9ng s\u1ea3n, kh\u00f4ng th\u1ebf l\u00fac th\u00ec \u00f4m v\u00e0o, khi th\u00ec l\u1ea1i t\u00e1ch b\u1ea1ch gi\u1eefa quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n tr\u00ean \u0111\u1ea5t. Ch\u1eb3ng h\u1ea1n nh\u01b0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 164\/2004\/N\u0110-CP ng\u00e0y 14-9-2004 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 k\u00ea bi\u00ean, \u0111\u1ea5u gi\u00e1 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t b\u1ea3o \u0111\u1ea3m thi h\u00e0nh \u00e1n, \u0111\u00e3 kh\u00f4ng b\u1ea3o \u0111\u1ea3m c\u01a1 s\u1edf ph\u00e1p l\u00fd trong m\u1ed1i quan h\u1ec7 gi\u1eefa b\u1ea5t \u0111\u1ed9ng s\u1ea3n tr\u00ean \u0111\u1ea5t v\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.<\/li>\n<\/ol>\n

          V\u00ec v\u1eady, ngo\u00e0i vi\u1ec7c thi h\u00e0nh c\u00e1c b\u1ea3n \u00e1n nh\u01b0 th\u00f4ng th\u01b0\u1eddng, c\u1ea7n c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c c\u01a1 quan thi h\u00e0nh \u00e1n t\u00e1c \u0111\u1ed9ng, h\u1ed7 tr\u1ee3 c\u00e1c b\u00ean t\u1ef1 nguy\u1ec7n thi h\u00e0nh \u00e1n, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi vi\u1ec7c x\u1eed l\u00fd c\u00e1c t\u00e0i s\u1ea3n c\u00f3 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n s\u1eed d\u1ee5ng chung \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00e1c \u0111\u01b0\u01a1ng s\u1ef1 v\u00e0 \u0111\u1ee1 g\u00e1nh n\u1eb7ng cho Nh\u00e0 n\u01b0\u1edbc.\/.<\/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\u0103ng T\u1ea1p ch\u00ed Th\u1ecb tr\u01b0\u1eddng T\u00e0i ch\u00ednh Ti\u1ec1n t\u1ec7 s\u1ed1 12 (186) 15-6-2005<\/u><\/em><\/strong>","protected":false},"excerpt":{"rendered":"

          Nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c thu h\u1ed3i n\u1ee3 th\u00f4ng qua kh\u00e2u thi h\u00e0nh \u00e1n. (TCTT) – L\u00e2u nay, nh\u1eefng ng\u01b0\u1eddi c\u00f3 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p \u0111\u00e3 g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n \u0111\u1ec3 gi\u00e0nh l\u1ea1i l\u1ebd ph\u1ea3i v\u00e0 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p v\u1ec1 t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh, khi ph\u1ea3i th\u00f4ng qua […]<\/p>\n","protected":false},"author":7,"featured_media":5091,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,36],"class_list":["post-5090","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n73. Nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c thu h\u1ed3i n\u1ee3 th\u00f4ng qua kh\u00e2u thi h\u00e0nh \u00e1n. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c thu h\u1ed3i n\u1ee3 th\u00f4ng qua kh\u00e2u thi h\u00e0nh \u00e1n. Do h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt c\u00f2n nhi\u1ec1u b\u1ea5t c\u1eadp v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c...\" \/>\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\/73-nhung-kho-khan-cua-ngan-hang-trong-viec-thu-hoi-no-thong-qua-khau-thi-hanh-an\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]73. Nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c thu h\u1ed3i n\u1ee3 th\u00f4ng qua kh\u00e2u thi h\u00e0nh \u00e1n. [:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Nh\u1eefng kh\u00f3 kh\u0103n c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c thu h\u1ed3i n\u1ee3 th\u00f4ng qua kh\u00e2u thi h\u00e0nh \u00e1n. 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