{"id":5120,"date":"2008-04-02T17:42:33","date_gmt":"2008-04-02T10:42:33","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5120"},"modified":"2024-11-13T09:34:00","modified_gmt":"2024-11-13T02:34:00","slug":"80-khong-the-co-he-thong-ngan-hang-lanh-manh-neu-nhu-yeu-ve-co-so-phap-ly","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/80-khong-the-co-he-thong-ngan-hang-lanh-manh-neu-nhu-yeu-ve-co-so-phap-ly\/","title":{"rendered":"80. Kh\u00f4ng th\u1ec3 c\u00f3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0nh m\u1ea1nh n\u1ebfu nh\u01b0 y\u1ebfu v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd."},"content":{"rendered":"<h4><span style=\"color: #723918;\">Kh\u00f4ng th\u1ec3 c\u00f3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0nh m\u1ea1nh n\u1ebfu nh\u01b0 y\u1ebfu v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd.<\/span><\/h4>\n<h5>(TCNH) &#8211; Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n l\u00e0 m\u1ed9t lo\u1ea1i h\u00ecnh ch\u1ee7 y\u1ebfu trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 sau khi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c c\u1ed5 ph\u1ea7n ho\u00e1. Tuy nhi\u00ean, vi\u1ec7c t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n hi\u1ec7n nay \u0111ang \u1edf trong t\u00ecnh tr\u1ea1ng \u201ckh\u1ee7ng ho\u1ea3ng\u201d v\u1ec1 h\u00e0nh lang ph\u00e1p l\u00fd. B\u00e0i vi\u1ebft n\u00e0y g\u00f3p th\u00eam ti\u1ebfng n\u00f3i ho\u00e0n thi\u1ec7n Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) ph\u00f9 h\u1ee3p v\u1edbi \u0111i\u1ec1u ki\u1ec7n hi\u1ec7n nay.<\/h5>\n<ol>\n<li>\n<h5><strong>X\u00e2y d\u1ef1ng m\u1ed9t \u201cLu\u1eadt Doanh nghi\u1ec7p\u201d song h\u00e0nh:<\/strong><\/h5>\n<\/li>\n<\/ol>\n<p>L\u00e0 m\u1ed9t lo\u1ea1i doanh nghi\u1ec7p r\u1ea5t \u0111\u1eb7c th\u00f9 trong n\u1ec1n kinh t\u1ebf, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e0 t\u1ed5 ch\u1ee9c kinh doanh \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1eb1ng m\u1ed9t ph\u00e1p l\u1ec7nh ri\u00eang (Ph\u00e1p l\u1ec7nh Ng\u00e2n h\u00e0ng, h\u1ee3p t\u00e1c x\u00e3 t\u00edn d\u1ee5ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh n\u0103m 1990) v\u00e0 sau n\u00e0y c\u0169ng l\u00e0 l\u0129nh v\u1ef1c kinh doanh \u0111\u1ea7u ti\u00ean c\u00f3 lu\u1eadt ri\u00eang: Lu\u1eadt C\u00e1c TCTD n\u0103m 1997 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i b\u1ed5 sung n\u0103m 2004). Nh\u01b0ng Lu\u1eadt n\u00e0y ch\u1ee7 y\u1ebfu quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5, ch\u1ee9 kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng. N\u1ebfu theo nguy\u00ean t\u1eafc chung, th\u00ec to\u00e0n b\u1ed9 nh\u1eefng v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong Lu\u1eadt C\u00e1c TCTD s\u1ebd ph\u1ea3i \u00e1p d\u1ee5ng theo Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2005. Tuy nhi\u00ean, do ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t doanh nghi\u1ec7p r\u1ea5t \u0111\u1eb7c bi\u1ec7t, n\u00ean ch\u1ec9 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng m\u1ed9t ph\u1ea7n, ch\u1ee9 kh\u00f4ng th\u1ec3 tu\u00e2n theo nhi\u1ec1u quy \u0111\u1ecbnh chung c\u1ee7a ph\u00e1p lu\u1eadt. V\u00ed d\u1ee5:<\/p>\n<ul>\n<li>S\u1ed1 l\u01b0\u1ee3ng c\u1ed5 \u0111\u00f4ng c\u1ee7a ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n kh\u00f4ng th\u1ec3 l\u00e0 ch\u1ec9 l\u00e0 3 nh\u01b0 c\u00e1c c\u00f4ng ty c\u1ed5 ph\u1ea7n kh\u00e1c;<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><\/li>\n<li>T\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a m\u1ed9t c\u1ed5 \u0111\u00f4ng ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 l\u00ean \u0111\u1ebfn 99% v\u1ed1n \u0111i\u1ec1u l\u1ec7 nh\u01b0 c\u00e1c c\u00f4ng ty th\u00f4ng th\u01b0\u1eddng;<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a><\/li>\n<li>Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n kh\u00f4ng th\u1ec3 c\u00f3 c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i ho\u00e0n l\u1ea1i nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p.<\/li>\n<\/ul>\n<p>Nh\u01b0 v\u1eady, c\u1ea3 v\u1ec1 c\u1ed5 \u0111\u00f4ng, c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu, v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb (H\u0110QT), Ban ki\u1ec3m so\u00e1t, T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u0169ng nh\u01b0 v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng, \u0111\u1ec1u kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c doanh nghi\u1ec7p kh\u00e1c. Lu\u1eadt C\u00e1c TCTD hi\u1ec7n h\u00e0nh h\u1ea7u nh\u01b0 ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5, c\u00f2n v\u1ea5n \u0111\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n, th\u00ec \u0111ang th\u1ef1c hi\u1ec7n theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN). C\u1ee5 th\u1ec3 l\u00e0 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n<ul>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 49\/2000\/N\u0110-CP ng\u00e0y 12-9-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i;<\/li>\n<li>Quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a H\u0110QT, Ban ki\u1ec3m so\u00e1t, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n, c\u00f4ng ty t\u00e0i ch\u00ednh c\u1ed5 ph\u1ea7n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1087\/2001\/Q\u0110-NHNN ng\u00e0y 27-8-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN;<\/li>\n<li>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 th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n c\u1ee7a nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1122\/2001\/Q\u0110-NHNN ng\u00e0y 04-9-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 797\/2002\/Q\u0110-NHNN ng\u00e0y 29-7-2002);<\/li>\n<li>M\u1eabu \u0110i\u1ec1u l\u1ec7 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, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 383\/2002\/Q\u0110-NHNN ng\u00e0y 24-4-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN;<\/li>\n<li>Quy ch\u1ebf C\u1ea5p gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 24\/2007\/Q\u0110-NHNN ng\u00e0y 07-6-2007 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 46\/2007\/Q\u0110-NHNN ng\u00e0y 25-12-2007).<\/li>\n<\/ul>\n<p>C\u00e1c v\u0103n b\u1ea3n tr\u00ean ch\u1ec9 c\u0103n c\u1ee9 v\u00e0o v\u00e0i \u0111i\u1ec1u c\u00f3 t\u00ednh nguy\u00ean t\u1eafc c\u1ee7a Lu\u1eadt C\u00e1c TCTD, c\u00f2n ch\u1ee7 y\u1ebfu l\u00e0 d\u1ef1a v\u00e0o Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 1999 v\u00e0 hi\u1ec7n nay l\u00e0 n\u0103m 2005. M\u1eb7c d\u00f9 c\u0103n c\u1ee9 v\u00e0o Lu\u1eadt Doanh nghi\u1ec7p, nh\u01b0ng l\u1ea1i c\u00f3 r\u1ea5t nhi\u1ec1u n\u1ed9i dung kh\u00e1c, th\u1eadm ch\u00ed l\u00e0 tr\u00e1i v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p. N\u1ebfu theo \u0111\u00fang quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 2 v\u00e0 \u0110i\u1ec1u 80 c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 1996 c\u0169ng nh\u01b0 \u0110i\u1ec1u 3 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2005, th\u00ec nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng tr\u00e1i v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p trong c\u00e1c v\u0103n b\u1ea3n n\u00f3i tr\u00ean s\u1ebd kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd.<\/p>\n<p>V\u00ec v\u1eady, \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 nh\u1eefng quy \u0111\u1ecbnh b\u1ea3o \u0111\u1ea3m t\u00ednh \u0111\u1ed9c l\u1eadp cao trong m\u1ed9t \u0111\u1ea1o lu\u1eadt, tr\u00e1nh t\u00ecnh tr\u1ea1ng c\u00e1c quy \u0111\u1ecbnh chuy\u00ean ng\u00e0nh ng\u00e2n h\u00e0ng m\u00e2u thu\u1eabn v\u1edbi c\u00e1c lu\u1eadt kh\u00e1c ho\u1eb7c b\u1ecb c\u00e1c lu\u1eadt ban h\u00e0nh sau ph\u1ee7 nh\u1eadn, nh\u1ea5t l\u00e0 Lu\u1eadt Doanh nghi\u1ec7p. Do \u0111\u00f3, Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i), b\u00ean c\u1ea1nh vi\u1ec7c ph\u1ea3i quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 t\u1ed5 ch\u1ee9c, qu\u1ea3n tr\u1ecb v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, c\u00f2n ph\u1ea3i x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c c\u00e1c nguy\u00ean t\u1eafc \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m t\u00ednh \u0111\u1ed9c l\u1eadp t\u01b0\u01a1ng \u0111\u1ed1i cao c\u1ee7a l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. C\u00f3 th\u1ec3 n\u00f3i, Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) ph\u1ea3i \u0111\u00f3ng vai tr\u00f2 m\u1ed9t Lu\u1eadt Doanh nghi\u1ec7p th\u1ee9 hai v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n n\u00f3i ri\u00eang, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i n\u00f3i chung, song h\u00e0nh v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2005. Do v\u1eady, r\u1ea5t c\u1ea7n t\u0103ng c\u01b0\u1eddng vi\u1ec7c ph\u00e2n t\u00edch, gi\u1ea3i th\u00edch \u0111\u1ec3 lo\u1ea1i b\u1ecf quan \u0111i\u1ec3m x\u00e2y d\u1ef1ng Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) kh\u00f4ng nh\u1eafc l\u1ea1i ho\u1eb7c kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn nh\u1eefng quy \u0111\u1ecbnh \u0111\u00e3 c\u00f3 trong Lu\u1eadt Doanh nghi\u1ec7p.<\/p>\n<ol start=\"2\">\n<li>\n<h5><strong>Ti\u1ebfp t\u1ee5c duy tr\u00ec nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m kh\u00e1c bi\u1ec7t c\u1ee7a ng\u00e2n h\u00e0ng:<\/strong><\/h5>\n<\/li>\n<\/ol>\n<p>Ngo\u00e0i nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng t\u01b0\u01a1ng t\u1ef1 v\u1edbi c\u00e1c doanh nghi\u1ec7p kh\u00e1c trong Lu\u1eadt Doanh nghi\u1ec7p, Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) c\u00f2n c\u1ea7n ph\u1ea3i duy tr\u00ec v\u00e0 ho\u00e0n thi\u1ec7n nhi\u1ec1u quy \u0111\u1ecbnh ri\u00eang, kh\u00e1c bi\u1ec7t v\u1edbi nh\u1eefng quy \u0111\u1ecbnh chung c\u1ee7a h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt. Ch\u1eb3ng h\u1ea1n nh\u01b0 nh\u1eefng v\u1ea5n \u0111\u1ec1 sau:<\/p>\n<ul>\n<li>Ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 cho vay \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng tr\u00ean 15% v\u1ed1n t\u1ef1 c\u00f3 nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf kh\u00e1c cho nhau vay ti\u1ec1n ho\u1eb7c cho vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i;<\/li>\n<li>H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng, n\u00f3i chung ph\u1ea3i c\u00f3 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng ti\u1ec1n vay v\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 s\u1eed d\u1ee5ng ti\u1ec1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch, kh\u00e1c h\u1eb3n v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (c\u00e1c b\u00ean th\u01b0\u1eddng kh\u00f4ng quan t\u00e2m \u0111\u1ebfn m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay);<\/li>\n<li>Ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 d\u00f9ng to\u00e0n b\u1ed9 v\u1ed1n \u0111i\u1ec1u l\u1ec7 \u0111\u1ec3 g\u00f3p v\u1ed1n \u0111\u1ea7u t\u01b0, mua c\u1ed3 ph\u1ea7n c\u1ee7a c\u00e1c c\u00f4ng ty kh\u00e1c nh\u01b0 c\u00e1c doanh nghi\u1ec7p b\u00ecnh th\u01b0\u1eddng;<a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a> (trong khi c\u00e1c doanh nghi\u1ec7p c\u00f3 th\u1ec3 \u0111i vay \u0111\u1ec3 g\u00f3p v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u00e0o c\u00f4ng ty kh\u00e1c)<\/li>\n<li>Ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 t\u1ef1 \u00fd ng\u1eebng giao d\u1ecbch v\u1edbi kh\u00e1ch h\u00e0ng nh\u01b0 c\u00e1c doanh nghi\u1ec7p kinh doanh, d\u1ecbch v\u1ee5 kh\u00e1c;<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a><\/li>\n<li>Kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a c\u00e1c TCTD kh\u00e1c (trong tr\u01b0\u1eddng h\u1ee3p c\u1ea5p c\u1ea5p b\u00e1ch, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m kh\u1ea3 n\u0103ng chi tr\u1ea3 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng) kh\u00f4ng th\u1ec3 x\u1ebfp th\u1ee9 t\u1ef1 \u01b0u ti\u00ean thanh to\u00e1n sau c\u00e1c kho\u1ea3n vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n nh\u01b0 quy \u0111\u1ecbnh chung v\u1ec1 giao d\u1ecbch d\u00e2n s\u1ef1 trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1;<a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a><\/li>\n<li>Ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 b\u1ecb \u0111\u01b0a ra x\u1eed l\u00fd ph\u00e1 s\u1ea3n ngay sau khi r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ph\u00e1 s\u1ea3n (tr\u01b0\u1edbc \u0111\u00f3 ph\u1ea3i qua giai \u0111o\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t c\u1ee7a NHNN);<\/li>\n<li>Th\u1eadm ch\u00ed quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u00f2n kh\u00f4ng cho ph\u00e9p s\u1eed d\u1ee5ng v\u1ed1n \u1ee7y th\u00e1c, v\u1ed1n vay \u0111\u1ec3 g\u00f3p v\u1ed1n th\u00e0nh l\u1eadp ng\u00e2n h\u00e0ng.<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a><\/li>\n<\/ul>\n<p>Nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0111\u1ea1o lu\u1eadt Lu\u1eadt kh\u00e1c m\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u qu\u1ea3n tr\u1ecb v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, th\u00ec bu\u1ed9c Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) ph\u1ea3i quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, chi ti\u1ebft, tr\u00e1nh t\u00ecnh tr\u1ea1ng \u0111\u1ec3 \u1edf v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u ho\u00e1 b\u1edfi Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, Lu\u1eadt Doanh nghi\u1ec7p v\u00e0 c\u00e1c \u0111\u1ea1o lu\u1eadt kh\u00e1c. Kh\u00f4ng nh\u1eefng th\u1ebf, c\u00f2n ph\u1ea3i d\u1ef1 li\u1ec7u \u0111\u01b0a v\u00e0o Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) c\u1ea3 nh\u1eefng v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p hi\u1ec7n \u0111ang \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1eb1ng c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt v\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u1edbi ph\u00e1t sinh. Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3, chi ti\u1ebft, b\u1ea3o \u0111\u1ea3m cho nh\u1eefng v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn thi h\u00e0nh sau n\u00e0y kh\u00f4ng \u201c<em>y\u1ebfu v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd<\/em>\u201d nh\u01b0 m\u1ed9t l\u00e3nh \u0111\u1ea1o NHNN \u0111\u00e3 th\u1eeba nh\u1eadn t\u1ea1i m\u1ed9t cu\u1ed9c h\u1ed9i th\u1ea3o v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y t\u1ea1i TP H\u1ed3 Ch\u00ed Minh v\u00e0o cu\u1ed1i n\u0103m 2007. C\u0169ng kh\u00f4ng th\u1ec3 \u0111\u1ec3 x\u1ea3y ra t\u00ecnh tr\u1ea1ng v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt sau n\u00e0y ban h\u00e0nh c\u0103n c\u1ee9 v\u00e0o Lu\u1eadt C\u00e1c TCTD trong khi Lu\u1eadt l\u1ea1i kh\u00f4ng quy \u0111\u1ecbnh th\u1ea9m quy\u1ec1n h\u01b0\u1edbng d\u1eabn, nh\u01b0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a Ban so\u1ea1n th\u1ea3o Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i).<\/p>\n<p>C\u00f3 th\u1ec3 nh\u1eadn th\u1ea5y, ph\u1ea7n v\u1ec1 ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 \u0111\u1eb7c th\u00f9 ng\u00e2n h\u00e0ng trong Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) kh\u00f4ng thay \u0111\u1ed5i nhi\u1ec1u so v\u1edbi Lu\u1eadt hi\u1ec7n h\u00e0nh. Ch\u1ee7 y\u1ebfu, ph\u1ee9c t\u1ea1p v\u00e0 quan tr\u1ecdng l\u00e0 ph\u1ea7n quy \u0111\u1ecbnh v\u1ec1 c\u1ea5p ph\u00e9p, t\u1ed5 ch\u1ee9c, qu\u1ea3n tr\u1ecb v\u00e0 b\u1ea3o \u0111\u1ea3m qu\u1ea3n l\u00fd an to\u00e0n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n<ol start=\"3\">\n<li>\n<h5><strong>Lu\u1eadt ho\u00e1 nh\u1eefng v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt:<\/strong><\/h5>\n<\/li>\n<\/ol>\n<p>Ngo\u00e0i vi\u1ec7c k\u1ebf th\u1eeba nh\u1eefng n\u1ed9i dung trong Lu\u1eadt hi\u1ec7n h\u00e0nh, Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) c\u1ea7n ph\u1ea3i lu\u1eadt ho\u00e1 to\u00e0n b\u1ed9 nh\u1eefng n\u1ed9i dung h\u1ee3p l\u00fd \u0111ang \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh trong c\u00e1c v\u0103n b\u1ea3n c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 NHNN, nh\u01b0 \u0111i\u1ec1u ki\u1ec7n th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, v\u1ed1n ph\u00e1p \u0111\u1ecbnh, c\u1ed5 \u0111\u00f4ng, c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu, c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n,\u2026<\/p>\n<p>Lu\u1eadt c\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) c\u1ea7n quy \u0111\u1ecbnh th\u1eadt chi ti\u1ebft, c\u1ee5 th\u1ec3, h\u1ea1n ch\u1ebf t\u1ed1i \u0111a c\u00e1c n\u1ed9i dung \u201cnh\u01b0\u1eddng\u201d cho v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt. Lu\u1eadt hi\u1ec7n h\u00e0nh c\u00f3 t\u1edbi g\u1ea7n 80 ch\u1ed7 quy \u0111\u1ecbnh d\u01b0\u1edbi d\u1ea1ng: Theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, theo quy \u0111\u1ecbnh c\u1ee7a NHNN ho\u1eb7c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Lu\u1eadt hi\u1ec7n h\u00e0nh giao th\u1ea9m quy\u1ec1n qu\u00e1 r\u1ed9ng cho NHNN m\u00e0 kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 m\u1ed9t gi\u1edbi h\u1ea1n ho\u1eb7c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 n\u00e0o. Lu\u1eadt TCTD (s\u1eeda \u0111\u1ed5i) ph\u1ea3i kh\u1eafc ph\u1ee5c t\u00ecnh tr\u1ea1ng lu\u1eadt khung, lu\u1eadt nguy\u00ean t\u1eafc, do \u0111\u00f3 ph\u1ea3i quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u00e1c t\u1ef7 l\u1ec7 gi\u1edbi h\u1ea1n v\u1ec1 an to\u00e0n, v\u1ec1 \u0111\u1ea7u t\u01b0, g\u00f3p v\u1ed1n mua c\u1ed5 ph\u1ea7n,&#8230; Ho\u1eb7c n\u1ebfu kh\u00f4ng quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c c\u1ee5 th\u1ec3, th\u00ec c\u0169ng ph\u1ea3i quy \u0111\u1ecbnh m\u1ed9t kho\u1ea3ng gi\u1edbi h\u1ea1n hay \u00edt nh\u1ea5t c\u0169ng ph\u1ea3i giao cho Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh, ch\u1ee9 kh\u00f4ng n\u00ean giao to\u00e0n quy\u1ec1n cho NHNN. V\u00ed d\u1ee5, Lu\u1eadt c\u00f3 th\u1ec3 quy \u0111\u1ecbnh v\u1ec1 t\u1ed5ng s\u1ed1 v\u1ed1n g\u00f3p v\u00e0o t\u1ea5t c\u1ea3 c\u00e1c doanh nghi\u1ec7p kh\u00f4ng qu\u00e1 40-50% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng, c\u00f2n gi\u1edbi h\u1ea1n g\u00f3p v\u1ed1n v\u00e0o m\u1ed7i doanh nghi\u1ec7p do Ch\u00ednh ph\u1ee7 ho\u1eb7c Th\u1ed1ng \u0111\u1ed1c NHNN quy \u0111\u1ecbnh.<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a><\/p>\n<p>V\u1edbi \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a Lu\u1eadt TCTD c\u00f3 r\u1ea5t nhi\u1ec1u n\u1ed9i dung c\u1ee5 th\u1ec3 ph\u1ea3i giao th\u1ea9m quy\u1ec1n cho Ch\u00ednh ph\u1ee7 ho\u1eb7c NHNN, n\u00ean c\u0169ng n\u00ean xem x\u00e9t ph\u01b0\u01a1ng \u00e1n thi\u1ebft k\u1ebf m\u1ed9t s\u1ed1 \u0111i\u1ec1u ri\u00eang, trong \u0111\u00f3 t\u1ed5ng h\u1ee3p to\u00e0n b\u1ed9 nh\u1eefng n\u1ed9i dung c\u1ea5m, h\u1ea1n ch\u1ebf v\u00e0 ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 ho\u1eb7c NHNN, nh\u01b0 v\u1ec1 c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n; c\u00e1c gi\u1edbi h\u1ea1n ho\u1ea1t \u0111\u1ed9ng; tham gia th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7; kinh doanh ngo\u1ea1i h\u1ed1i; d\u1ecbch v\u1ee5 thanh to\u00e1n qu\u1ed1c t\u1ebf; thay \u0111\u1ed5i th\u00e0nh vi\u00ean H\u0110QT, Ban Ki\u1ec3m so\u00e1t, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c; th\u00e0nh l\u1eadp c\u00f4ng ty tr\u1ef1c thu\u1ed9c;&#8230;<\/p>\n<p>\u0110\u00f3 v\u1eeba l\u00e0 m\u1ed9t y\u00eau c\u1ea7u ph\u00e1p l\u00fd quan tr\u1ecdng, v\u1eeba l\u00e0 v\u1ea5n \u0111\u1ec1 r\u1ea5t th\u1ef1c t\u1ebf \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng \u0111\u01b0\u1ee3c \u201cc\u1edfi tr\u00f3i\u201d v\u1ec1 lu\u1eadt l\u1ec7. Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c m\u1ed9t nguy\u00ean t\u1eafc r\u1ea5t ti\u1ebfn b\u1ed9 c\u1ee7a Nh\u00e0 n\u01b0\u1edbc ph\u00e1p quy\u1ec1n l\u00e0: Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c l\u00e0m t\u1ea5t c\u1ea3 nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m (nh\u01b0 nh\u1eefng doanh nghi\u1ec7p kh\u00e1c).<\/p>\n<ol start=\"4\">\n<li>\n<h5><strong>C\u1ee5 th\u1ec3 ho\u00e1 nh\u1eefng quy \u0111\u1ecbnh khung:<\/strong><\/h5>\n<\/li>\n<\/ol>\n<p>Hi\u1ec7n nay c\u00f2n nhi\u1ec1u v\u1ea5n \u0111\u1ec1 m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ec1 m\u1eb7t nguy\u00ean t\u1eafc, nh\u01b0 vi\u1ec7c cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1ea3o n\u1ee3 theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 54 c\u1ee7a Lu\u1eadt C\u00e1c TCTD. M\u1ed9t v\u1ea5n \u0111\u1ec1 r\u1ea5t quan tr\u1ecdng, nh\u1ea1y c\u1ea3m v\u00e0 di\u1ec5n ra h\u1eb1ng ng\u00e0y trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng nh\u01b0 v\u1eady \u0111\u00e3 b\u1ecb \u201c\u00e1n binh b\u1ea5t \u0111\u1ed9ng\u201d trong h\u01a1n 10 n\u0103m qua. C\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng bi\u1ebft ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o v\u00ec ch\u01b0a c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n<p>Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) c\u1ea7n l\u00e0m r\u00f5 nhi\u1ec1u quy \u0111\u1ecbnh c\u00f2n chung chung, kh\u00f3 hi\u1ec3u, kh\u00f4ng t\u1ea1o ra \u0111\u01b0\u1ee3c h\u00e0nh lang ph\u00e1p l\u00fd r\u00f5 r\u00e0ng, minh b\u1ea1ch. V\u00ed d\u1ee5, quy \u0111\u1ecbnh c\u1ea5m cho vay \u0111\u1ed1i v\u1edbi th\u00e0nh vi\u00ean H\u0110QT t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 77 c\u1ee7a Lu\u1eadt C\u00e1c TCTD v\u1eabn v\u01b0\u1edbng m\u1eafc tr\u00ean th\u1ef1c t\u1ebf. V\u1ec1 nguy\u00ean t\u1eafc, th\u00e0nh vi\u00ean H\u0110QT ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 c\u00e1 nh\u00e2n (kh\u00e1c h\u1eb3n v\u1edbi th\u00e0nh vi\u00ean Li\u00ean h\u1ee3p qu\u1ed1c, th\u00e0nh vi\u00ean M\u1eb7t tr\u1eadn t\u1ed5 qu\u1ed1c, th\u00e0nh vi\u00ean H\u1ed9i li\u00ean hi\u1ec7p thanh ni\u00ean,\u2026 l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c). Ch\u1ec9 c\u00f3 th\u1ec3 b\u1ea7u m\u1ed9t c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng th\u1ec3 b\u1ea7u m\u1ed9t ph\u00e1p nh\u00e2n l\u00e0m th\u00e0nh vi\u00ean H\u0110QT. N\u1ebfu v\u00ec m\u1ed9t l\u00fd do n\u00e0o \u0111\u00f3 m\u00e0 c\u00e1 nh\u00e2n m\u1ea5t t\u01b0 c\u00e1ch th\u00e0nh vi\u00ean H\u0110QT, th\u00ec ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n kh\u00e1c c\u1ee7a ph\u00e1p nh\u00e2n \u1ea5y kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c \u0111\u01b0\u01a1ng nhi\u00ean k\u1ebf th\u1eeba t\u01b0 c\u00e1ch th\u00e0nh vi\u00ean H\u0110QT. Th\u1ebf nh\u01b0ng, tr\u00ean th\u1ef1c t\u1ebf l\u1ea1i b\u1ecb \u00e1p \u0111\u1eb7t theo c\u00e1ch hi\u1ec3u l\u00e0 c\u1ea5m cho vay \u0111\u1ed1i v\u1edbi c\u1ea3 doanh nghi\u1ec7p c\u00f3 c\u00e1 nh\u00e2n tham gia v\u00e0o H\u0110QT ng\u00e2n h\u00e0ng. V\u00ec v\u1eady, Lu\u1eadt TDTD (s\u1eeda \u0111\u1ed5i) c\u1ea7n quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c c\u1ea5m cho vay \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n th\u00e0nh vi\u00ean H\u0110QT hay \u0111\u1ed1i v\u1edbi c\u1ea3 ph\u00e1p nh\u00e2n c\u00f3 ng\u01b0\u1eddi tham gia th\u00e0nh vi\u00ean H\u0110QT c\u1ee7a ng\u00e2n h\u00e0ng. N\u1ebfu mu\u1ed1n c\u1ea5m \u0111\u1ed1i v\u1edbi c\u1ea3 ph\u00e1p nh\u00e2n, th\u00ec ph\u1ea3i thi\u1ebft k\u1ebf \u0111i\u1ec1u kho\u1ea3n, c\u00e2u ch\u1eef c\u1ea5m m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng, h\u1ee3p l\u00fd.<\/p>\n<p>N\u1ebfu di\u1ec5n \u0111\u1ea1t quy \u0111\u1ecbnh kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ed1i v\u1edbi \u201c<em>Ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t cho vay<\/em>\u201d nh\u01b0 t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 77 c\u1ee7a Lu\u1eadt C\u00e1c TCTD hi\u1ec7n nay, th\u00ec \u0111\u00e3 v\u00e0 s\u1ebd d\u1eabn \u0111\u1ebfn nhi\u1ec1u c\u00e1ch hi\u1ec3u r\u1ea5t kh\u00e1c nhau nh\u01b0 sau:<\/p>\n<ul>\n<li>C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi ch\u00ednh ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh v\u00e0 x\u00e9t duy\u1ec7t cho vay kho\u1ea3n \u0111\u00f3;<\/li>\n<li>C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh v\u00e0 x\u00e9t duy\u1ec7t cho vay trong ph\u1ea1m vi m\u1ed9t chi nh\u00e1nh c\u1ee7a ng\u00e2n h\u00e0ng;<\/li>\n<li>C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh v\u00e0 x\u00e9t duy\u1ec7t cho vay trong c\u1ea3 m\u1ed9t ng\u00e2n h\u00e0ng;<\/li>\n<li>V\u00e0 th\u1eadm ch\u00ed l\u00e0 c\u1ea5m cho vay \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi l\u00e0m ngh\u1ec1 th\u1ea9m \u0111\u1ecbnh v\u00e0 x\u00e9t duy\u1ec7t cho vay trong to\u00e0n ng\u00e0nh Ng\u00e2n h\u00e0ng.<\/li>\n<\/ul>\n<p>V\u00ec v\u1eady, Lu\u1eadt ph\u1ea3i quy \u0111\u1ecbnh r\u00f5 l\u00e0 ch\u1ec9 c\u1ea5m cho vay \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t ch\u00ednh kho\u1ea3n vay \u0111\u00f3. C\u00f2n c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, n\u1ebfu c\u00f3 ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 h\u1ea1n ch\u1ebf, ch\u1ee9 kh\u00f4ng c\u1ea5m cho vay. V\u00e0 \u0111i\u1ec1u quan tr\u1ecdng l\u00e0, d\u00f9 c\u1ea5m hay h\u1ea1n ch\u1ebf \u0111i ch\u0103ng n\u1eefa, th\u00ec \u0111\u1ec1u ph\u1ea3i di\u1ec5n \u0111\u1ea1t r\u00f5 r\u00e0ng \u0111\u1ec3 d\u1eabn \u0111\u1ebfn m\u1ed9t c\u00e1ch hi\u1ec3u duy nh\u1ea5t.<\/p>\n<p>Lu\u1eadt TCTD hi\u1ec7n h\u00e0nh c\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec1u quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c l\u00e0m (nh\u01b0 c\u00e1c \u0111i\u1ec1u 45-50, 54, 57, 58, 66-72,&#8230;); kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m (nh\u01b0 c\u00e1c \u0111i\u1ec1u 73, 77, 78, 80,&#8230;; ph\u1ea3i l\u00e0m (nh\u01b0 c\u00e1c \u0111i\u1ec1u 41-43, 55, 81, 82,&#8230;) v\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec1u l\u00e0 t\u1ed5ng h\u1ee3p c\u1ee7a c\u00e1c t\u00ecnh hu\u1ed1ng tr\u00ean (nh\u01b0 c\u00e1c \u0111i\u1ec1u 53, 65, 88, 104,&#8230;). V\u1eady nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u00f2n l\u1ea1i, kh\u00f4ng c\u1ea5m \u0111o\u00e1n, c\u0169ng kh\u00f4ng cho ph\u00e9p, th\u00ec c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 \u0111\u01b0\u1ee3c l\u00e0m hay kh\u00f4ng? V\u00ed d\u1ee5: Lu\u1eadt cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp c\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n v\u00e0 x\u1eed l\u00fd n\u1ee3, nh\u01b0ng kh\u00f4ng n\u00f3i g\u00ec \u0111\u1ebfn vi\u1ec7c c\u1ea5m hay \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp C\u00f4ng ty kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n (ch\u1ec9 c\u1ea5m tr\u1ef1c ti\u1ebfp kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n). Do v\u1eady \u0111\u00e3 d\u1eabn \u0111\u1ebfn th\u1ef1c t\u1ebf nhi\u1ec1u ng\u00e2n h\u00e0ng \u201cxin\u201d m\u1ed9t h\u1ed3i, m\u1edbi bi\u1ebft vi\u1ec7c \u0111\u00f3 thu\u1ed9c lo\u1ea1i \u201cc\u1ea5m\u201d. Do v\u1eady, m\u1ed9t trong nh\u1eefng \u0111\u00f2i h\u1ecfi b\u1eaft bu\u1ed9c l\u00e0 Lu\u1eadt c\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) ph\u1ea3i quy \u0111\u1ecbnh r\u00f5 nh\u1eefng \u0111i\u1ec1u c\u1ea5m, tr\u00e1nh t\u00ecnh tr\u1ea1ng quy \u0111\u1ecbnh kh\u00f4ng r\u00f5, kh\u00f4ng c\u1ea5m, c\u0169ng kh\u00f4ng cho, n\u00ean c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng bi\u1ebft ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o.<\/p>\n<p>C\u00f3 hay kh\u00f4ng c\u00f3 ch\u1ee9c danh Ph\u00f3 Ch\u1ee7 t\u1ecbch H\u0110QT m\u00e0 \u0111a s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn \u0111ang s\u1eed d\u1ee5ng hi\u1ec7n nay? \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 m\u00e0 Lu\u1eadt Doanh nghi\u1ec7p kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn, c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt c\u0169ng th\u1ebf. V\u1eady trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 th\u1ebf n\u00e0y, s\u1ebd ph\u1ea3i hi\u1ec3u l\u00e0 Lu\u1eadt kh\u00f4ng c\u1ea5m th\u00ec \u0111\u01b0\u1ee3c l\u00e0m hay Lu\u1eadt kh\u00f4ng cho th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m? \u0110\u1ec1 ngh\u1ecb c\u0169ng c\u1ea7n gi\u1ea3i quy\u1ebft ngay trong Lu\u1eadt s\u1eeda \u0111\u1ed5i.<\/p>\n<ol start=\"5\">\n<li>\n<h5><strong>B\u1ed5 sung nh\u1eefng quy \u0111\u1ecbnh h\u1ee3p l\u00fd:<\/strong><\/h5>\n<\/li>\n<\/ol>\n<p>Ngo\u00e0i ph\u1ea7n l\u1edbn nh\u1eefng n\u1ed9i dung hi\u1ec7n h\u00e0nh c\u1ee7a Lu\u1eadt C\u00e1c TCTD s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c duy tr\u00ec, c\u1ea7n t\u0103ng c\u01b0\u1eddng t\u1ed1i \u0111a c\u00e1c quy \u0111\u1ecbnh mang t\u00ednh chu\u1ea9n m\u1ef1c v\u00e0 th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf t\u1ed1t nh\u1ea5t v\u1ec1 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng. V\u00ed d\u1ee5, quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 th\u00e0nh vi\u00ean H\u0110QT \u0111\u1ed9c l\u1eadp l\u00e0 \u0111i\u1ec1u r\u1ea5t c\u1ea7n thi\u1ebft. Hay vi\u1ec7c b\u1ea7u th\u00e0nh vi\u00ean H\u0110QT v\u00e0 Ban Ki\u1ec3m so\u00e1t ph\u1ea3i th\u1ef1c hi\u1ec7n theo ph\u01b0\u01a1ng th\u1ee9c b\u1ea7u d\u1ed3n phi\u1ebfu nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p (theo \u0111\u00f3 m\u1ed7i c\u1ed5 \u0111\u00f4ng c\u00f3 t\u1ed5ng s\u1ed1 phi\u1ebfu bi\u1ec3u quy\u1ebft t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ed5ng s\u1ed1 c\u1ed5 ph\u1ea7n s\u1edf h\u1eefu nh\u00e2n v\u1edbi s\u1ed1 th\u00e0nh vi\u00ean \u0111\u01b0\u1ee3c b\u1ea7u c\u1ee7a H\u0110QT ho\u1eb7c Ban ki\u1ec3m so\u00e1t v\u00e0 c\u1ed5 \u0111\u00f4ng c\u00f3 quy\u1ec1n d\u1ed3n h\u1ebft t\u1ed5ng s\u1ed1 phi\u1ebfu b\u1ea7u c\u1ee7a m\u00ecnh cho m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 \u1ee9ng c\u1eed vi\u00ean). \u0110\u1ed3ng th\u1eddi, c\u0169ng quy \u0111\u1ecbnh lu\u00f4n th\u00e0nh vi\u00ean H\u0110QT \u0111\u1ed9c l\u1eadp ph\u1ea3i \u0111\u01b0\u1ee3c b\u1ea7u ri\u00eang, ch\u1ee9 kh\u00f4ng b\u1ea7u chung trong c\u00f9ng m\u1ed9t l\u1ea7n v\u1edbi c\u00e1c th\u00e0nh vi\u00ean kh\u00e1c.<\/p>\n<p>\u0110\u1ec3 b\u1ea3o \u0111\u1ea3m nguy\u00ean t\u1eafc k\u1ebf th\u1eeba v\u00e0 \u1ed5n \u0111\u1ecbnh li\u00ean t\u1ee5c c\u1ee7a H\u0110QT, c\u1ea7n \u0111\u01b0a v\u00e0o m\u1ed9t quy \u0111\u1ecbnh thay th\u1ebf m\u1ed9t n\u1eeda s\u1ed1 th\u00e0nh vi\u00ean H\u0110QT. C\u1ee9 m\u1ed7i l\u1ea7n nhi\u1ec7m k\u1ef3, ph\u1ea3i b\u1ea7u l\u1ea1i to\u00e0n b\u1ed9 c\u00e1c th\u00e0nh vi\u00ean H\u0110QT, d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng c\u00f3 th\u1ec3 thay \u0111\u1ed5i 100% th\u00e0nh vi\u00ean H\u0110QT, r\u1ea5t d\u1ec5 d\u1eabn \u0111\u1ebfn nh\u1eefng bi\u1ebfn \u0111\u1ed9ng qu\u00e1 l\u1edbn cho ng\u00e2n h\u00e0ng. C\u00f2n trong nhi\u1ec7m k\u1ef3, c\u00f3 khi l\u00ean t\u1edbi 5 n\u0103m, th\u00ec l\u1ea1i r\u1ea5t kh\u00f3 c\u00f3 s\u1ef1 thay \u0111\u1ed5i, d\u1ec5 r\u01a1i v\u00e0o s\u1ef1 tr\u00ec tr\u1ec7, b\u1ea3o th\u1ee7, nh\u1ea5t l\u00e0 th\u1eddi gian cu\u1ed1i nhi\u1ec7m k\u1ef3. V\u00ec v\u1eady, r\u1ea5t c\u1ea7n \u00e1p d\u1ee5ng ch\u1ebf \u0111\u1ed9 b\u1ea7u l\u1ea1i m\u1ed9t n\u1eeda s\u1ed1 th\u00e0nh vi\u00ean H\u0110QT v\u00e0o gi\u1eefa nhi\u1ec7m k\u1ef3. Ng\u01b0\u1eddi h\u1ebft n\u1eeda nhi\u1ec7m k\u1ef3 \u0111\u1ea7u ti\u00ean c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c b\u1ea7u v\u00e0o nhi\u1ec7m k\u1ef3 m\u1edbi. \u0110i\u1ec1u n\u00e0y l\u00e0 \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi y\u00eau c\u1ea7u qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng m\u1edbi th\u00e0nh l\u1eadp v\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c th\u00e0nh vi\u00ean H\u0110QT \u0111\u1ed9c l\u1eadp.<\/p>\n<ol start=\"6\">\n<li>\n<h5><strong>Lo\u1ea1i b\u1ecf ho\u1eb7c s\u1eeda \u0111\u1ed5i nh\u1eefng quy \u0111\u1ecbnh l\u1ed7i th\u1eddi:<\/strong><\/h5>\n<\/li>\n<\/ol>\n<p>M\u1ed9t s\u1ed1 quy \u0111\u1ecbnh l\u1ed7i th\u1eddi trong Lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u00e3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd trong D\u1ef1 th\u1ea3o Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) l\u1ea5y \u00fd ki\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng v\u00e0o th\u00e1ng 2-2008, nh\u01b0ng v\u1eabn c\u00f2n nhi\u1ec1u c\u00e2u ch\u1eef v\u00e0 quy \u0111\u1ecbnh ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft ho\u1eb7c c\u1ea7n ti\u1ebfp t\u1ee5c xem x\u00e9t t\u00ecm ra ph\u01b0\u01a1ng \u00e1n h\u1ee3p l\u00fd h\u01a1n.<\/p>\n<p>T\u1eeb quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 31, Lu\u1eadt C\u00e1c TCTD v\u1ec1 vi\u1ec7c NHNN ch\u1ea5p thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n tr\u01b0\u1edbc khi thay \u0111\u1ed5i th\u00e0nh vi\u00ean H\u0110QT, Ban Ki\u1ec3m so\u00e1t, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c, \u0111\u00e3 b\u1ecb h\u01b0\u1edbng d\u1eabn sai th\u00e0nh vi\u1ec7c thay \u0111\u1ed5i ph\u1ea3i th\u00f4ng qua 2 th\u1ee7 t\u1ee5c \u201cch\u1ea5p thu\u1eadn\u201d tr\u01b0\u1edbc khi thay \u0111\u1ed5i v\u00e0 \u201cchu\u1ea9n y\u201d sau khi thay \u0111\u1ed5i.<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a> \u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh kh\u00f4ng \u0111\u00fang lu\u1eadt, t\u1ea1o ra s\u1ef1 b\u1ea5t h\u1ee3p l\u00fd v\u00e0 g\u00e2y kh\u00f3 kh\u0103n cho c\u00e1c ng\u00e2n h\u00e0ng: \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p b\u1ea7u trong s\u1ed1 nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 \u0111\u01b0\u1ee3c NHNN ch\u1ea5p thu\u1eadn. H\u0110QT c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c b\u1ed5 nhi\u1ec7m T\u1ed5ng Gi\u00e1m \u0111\u1ed1c \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111\u00e3 \u0111\u01b0\u1ee3c NHNN ch\u1ea5p thu\u1eadn. Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) c\u1ea7n \u0111\u1eb7t ra \u0111i\u1ec1u ki\u1ec7n th\u1eadt ch\u1eb7t ch\u1ebd, c\u1ee5 th\u1ec3, \u0111\u1ec3 ch\u1ec9 ph\u1ea3i chu\u1ea9n y m\u1ed9t l\u1ea7n sau khi b\u1ea7u, b\u1ed5 nhi\u1ec7m. Kh\u00f4ng n\u00ean th\u1ef1c hi\u1ec7n theo ph\u01b0\u01a1ng \u00e1n ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc khi b\u1ea7u, b\u1ed5 nhi\u1ec7m nh\u01b0 D\u1ef1 th\u1ea3o th\u00e1ng 2-2008.<\/p>\n<p>Kho\u1ea3n 3, \u0110i\u1ec1u 37 c\u1ee7a Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh \u201c<em>Ch\u1ee7 t\u1ecbch v\u00e0 c\u00e1c th\u00e0nh vi\u00ean kh\u00e1c trong H\u0110QT kh\u00f4ng \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n cho nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng ph\u1ea3i l\u00e0 th\u00e0nh vi\u00ean H\u0110QT th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a m\u00ecnh<\/em>\u201d l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd v\u00e0 d\u1ec5 b\u1ecb hi\u1ec3u l\u00e0 Ch\u1ee7 t\u1ecbch H\u0110QT kh\u00f4ng \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n cho T\u1ed5ng Gi\u00e1m \u0111\u1ed1c, Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh v\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00e1c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, tham gia t\u1ed1 t\u1ee5ng v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c c\u00f4ng vi\u1ec7c kh\u00e1c trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p. \u0110\u1ec1 ngh\u1ecb b\u1ecf h\u1eb3n quy \u0111\u1ecbnh n\u00e0y.<\/p>\n<p>\u0110i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 56 c\u1ee7a Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh kh\u00e1ch h\u00e0ng vay v\u1ed1n c\u00f3 quy\u1ec1n \u201c<em>Khi\u1ebfu n\u1ea1i, kh\u1edfi ki\u1ec7n vi\u1ec7c t\u1eeb ch\u1ed1i cho vay kh\u00f4ng c\u00f3 c\u0103n c\u1ee9<\/em>\u201d \u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh d\u00e0nh ri\u00eang cho c\u00e1c ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch, vay v\u00e0 cho vay theo ch\u1ec9 \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc. Kh\u00f4ng th\u1ec3 duy tr\u00ec quy \u0111\u1ecbnh n\u00e0y \u0111\u1ed1i v\u1edbi quan h\u1ec7 cho vay ho\u00e0n to\u00e0n d\u1ef1a tr\u00ean s\u1ef1 t\u00edn nhi\u1ec7m, tin t\u01b0\u1edfng v\u00e0 quy\u1ec1n t\u1ef1 ch\u1ee7 kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n<p>Kho\u1ea3n 3, \u0110i\u1ec1u 77 c\u1ee7a Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh \u201c<em>kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn b\u1ea3o l\u00e3nh<\/em>\u201d c\u1ee7a th\u00e0nh vi\u00ean H\u0110QT, Ban ki\u1ec3m so\u00e1t, T\u1ed5ng gi\u00e1m \u0111\u1ed1c v\u00e0 b\u1ed1, m\u1eb9, v\u1ee3, ch\u1ed3ng, con c\u1ee7a h\u1ecd \u201c<em>\u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf cho vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/em>\u201d. Quy \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 kh\u00f4ng ch\u1ea5p nh\u1eadn b\u1ea3o l\u00e3nh, bao g\u1ed3m c\u1ea3 vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean. Nh\u01b0ng kh\u00e1i ni\u1ec7m b\u1ea3o l\u00e3nh \u0111\u00e3 b\u1ecb thay \u0111\u1ed5i c\u01a1 b\u1ea3n sau khi c\u00f3 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. Theo \u0111\u00f3, b\u1ea3o l\u00e3nh l\u00e0 s\u1ef1 b\u1ea3o \u0111\u1ea3m ch\u01b0a xu\u1ea5t hi\u1ec7n t\u00e0i s\u1ea3n, c\u00f2n \u0111\u00e3 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec ph\u1ea3i g\u1ecdi l\u00e0 c\u1ea7m c\u1ed1 ho\u1eb7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n (tu\u1ef3 thu\u1ed9c v\u00e0o vi\u1ec7c c\u00f3 chuy\u1ec3n giao t\u00e0i s\u1ea3n hay kh\u00f4ng) c\u1ee7a b\u00ean th\u1ee9 ba. V\u00ec v\u1eady, c\u1ea7n ph\u1ea3i s\u1eeda quy \u0111\u1ecbnh tr\u00ean theo h\u01b0\u1edbng kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn c\u1ea3 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh. T\u01b0\u01a1ng t\u1ef1 l\u00e0 quy \u0111\u1ecbnh v\u1ec1 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ea3m nhi\u1ec7m ch\u1ee9c v\u1ee5, v\u00ec \u0111\u00e3 ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 (\u0110i\u1ec1u 40 c\u1ee7a Lu\u1eadt C\u00e1c TCTD) c\u0169ng ph\u1ea3i thay \u0111\u1ed5i theo c\u00e1ch ph\u00e2n lo\u1ea1i t\u1ed9i ph\u1ea1m m\u1edbi c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 1999.<\/p>\n<p>\u0110i\u1ec1u 78 c\u1ee7a Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh t\u1ed5ng d\u01b0 n\u1ee3 cho vay \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng, trong \u0111\u00f3 c\u00f3 c\u1ed5 \u0111\u00f4ng l\u1edbn (l\u00e0 c\u1ed5 \u0111\u00f4ng \u201c<em>n\u1eafm gi\u1eef tr\u00ean 10% v\u1ed1n c\u1ed5 ph\u1ea7n c\u00f3 quy\u1ec1n b\u1ecf phi\u1ebfu<\/em>\u201d) \u201c<em>kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 5% v\u1ed1n t\u1ef1 c\u00f3<\/em>\u201d c\u1ee7a ng\u00e2n h\u00e0ng. Tr\u01b0\u1edbc \u0111\u00e2y quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 c\u00f3 ph\u1ea7n ch\u01b0a h\u1ee3p l\u00fd, v\u00ec cho vay t\u1ea5t c\u1ea3 c\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn c\u0169ng kh\u00f4ng qu\u00e1 5% v\u1ed1n t\u1ef1 c\u00f3 (v\u00ed d\u1ee5 c\u00f3 3 c\u1ed5 \u0111\u00f4ng l\u1edbn s\u1edf h\u1eefu tr\u00ean 30% v\u1ed1n \u0111i\u1ec1u l\u1ec7, th\u00ec c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c vay t\u1ed5ng s\u1ed1 kh\u00f4ng qu\u00e1 5% v\u1ed1n t\u1ef1 c\u00f3, trong khi c\u0169ng l\u00e0 3 c\u1ed5 \u0111\u00f4ng kh\u00e1c c\u00f3 th\u1ebf s\u1edf h\u1eefu \u0111\u00fang 30% v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u00ec l\u1ea1i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c vay \u0111\u1ebfn 45% v\u1ed1n t\u1ef1 c\u00f3). Nay, kh\u00e1i ni\u1ec7m \u201cc\u1ed5 \u0111\u00f4ng l\u1edbn\u201d c\u1ea7n ch\u1ec9nh s\u1eeda h\u1ee3p l\u00fd h\u01a1n theo kho\u1ea3n 9, \u0110i\u1ec1u 6, Lu\u1eadt Ch\u1ee9ng kho\u00e1n n\u0103m 2006 (l\u00e0 c\u1ed5 \u0111\u00f4ng \u201c<em>n\u1eafm gi\u1eef <\/em><em>t\u1eeb 5% tr\u1edf l\u00ean s\u1ed1 c\u1ed5 phi\u1ebfu c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft<\/em>\u201d). V\u00ec v\u1eady, gi\u1edbi h\u1ea1n cho vay c\u1ea7n thay \u0111\u1ed5i c\u01a1 b\u1ea3n \u0111\u1ed1i v\u1edbi m\u1ed7i c\u1ed5 \u0111\u00f4ng l\u1edbn, ch\u1eb3ng h\u1ea1n kh\u00f4ng qu\u00e1 5% v\u1ed1n t\u1ef1 c\u00f3 \u0111\u1ed1i v\u1edbi m\u1ed9t c\u1ed5 \u0111\u00f4ng l\u1edbn, ch\u1ee9 kh\u00f4ng n\u00ean kh\u1ed1ng ch\u1ebf chung.<\/p>\n<p>M\u1ed9t s\u1ed1 quy \u0111\u1ecbnh kh\u00f4ng h\u1ee3p l\u00fd trong c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt c\u0169ng c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c thay \u0111\u1ed5i v\u00e0 \u1ea5n \u0111\u1ecbnh trong Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) cho \u0111\u00fang v\u1edbi nguy\u00ean t\u1eafc chung. V\u00ed d\u1ee5, quy \u0111\u1ecbnh c\u1ee9ng vi\u1ec7c Ch\u1ee7 t\u1ecbch H\u0110QT Ng\u00e2n h\u00e0ng TMCP l\u00e0 ng\u01b0\u1eddi \u201c<em>\u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt<\/em>\u201d, trong khi T\u1ed5ng Gi\u00e1m \u0111\u1ed1c l\u1ea1i l\u00e0 ng\u01b0\u1eddi \u201c<em>\u0110\u1ea1i di\u1ec7n cho ng\u00e2n h\u00e0ng trong quan h\u1ec7 qu\u1ed1c t\u1ebf, t\u1ed1 t\u1ee5ng, tranh ch\u1ea5p, gi\u1ea3i th\u1ec3, ph\u00e1 s\u1ea3n<\/em>\u201d.<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a> V\u1ea5n \u0111\u1ec1 n\u00e0y c\u1ea7n s\u1eeda theo quy \u0111\u1ecbnh nh\u01b0 trong Lu\u1eadt Doanh nghi\u1ec7p hi\u1ec7n nay.<\/p>\n<ol start=\"7\">\n<li>\n<h5><strong>Mong mu\u1ed1n trong th\u1eddi gian ch\u01b0a c\u00f3 Lu\u1eadt m\u1edbi:<\/strong><\/h5>\n<\/li>\n<\/ol>\n<p>D\u1ef1 th\u1ea3o Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u00e1 nhi\u1ec1u lo\u1ea1i h\u00ecnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c nhau, \u0111\u00f3 l\u00e0: Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch, ng\u00e2n h\u00e0ng h\u1ee3p t\u00e1c, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n, c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4, th\u1eadm ch\u00ed l\u00e0 c\u1ea3 t\u1eadp \u0111o\u00e0n ng\u00e2n h\u00e0ng (c\u1ea7n xem l\u1ea1i \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y). \u0110\u00e3 \u0111\u1ebfn l\u00fac c\u1ea7n ph\u1ea3i x\u00e2y d\u1ef1ng m\u1ed9t Lu\u1eadt ri\u00eang v\u1ec1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, th\u00ec m\u1edbi b\u1ea3o \u0111\u1ea3m n\u1ed9i dung r\u00f5 r\u00e0ng, h\u1ee3p l\u00fd v\u00e0 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd cao. N\u1ebfu kh\u00f4ng x\u00e2y d\u1ef1ng th\u00e0nh c\u00e1c \u0111\u1ea1o lu\u1eadt ri\u00eang, th\u00ec ph\u1ea7n v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng c\u0169ng c\u1ea7n ph\u00e2n chia th\u00e0nh c\u00e1c ch\u01b0\u01a1ng m\u1ee5c c\u1ee5 th\u1ec3 h\u01a1n, ri\u00eang bi\u1ec7t h\u01a1n, r\u00f5 r\u00e0ng h\u01a1n.<\/p>\n<p>Hi\u1ec7n nay, c\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 v\u01b0\u1edbng m\u1eafc c\u1ea7n gi\u1ea3i quy\u1ebft ngay, kh\u00f4ng th\u1ec3 ch\u1edd s\u1eeda \u0111\u1ed5i lu\u1eadt. Ch\u1eb3ng h\u1ea1n v\u1ec1 t\u1ef7 l\u1ec7 bi\u1ec3u quy\u1ebft th\u00f4ng qua c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng C\u1ed5 \u0111\u00f4ng \u0111\u00f2i h\u1ecfi t\u1ed1i thi\u1ec3u l\u00e0 65% hay 51% s\u1ed1 phi\u1ebfu bi\u1ec3u quy\u1ebft? C\u00e1c ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n n\u00f3i ri\u00eang, c\u00e1c c\u00f4ng ty n\u00f3i chung kh\u00f4ng bi\u1ebft ph\u1ea3i \u00e1p d\u1ee5ng theo t\u1ef7 l\u1ec7 n\u00e0o, v\u00ec c\u00f3 qu\u00e1 nhi\u1ec1u v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn kh\u00e1c nhau:<\/p>\n<ul>\n<li>\u0110i\u1ec1u 104, Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2005 quy \u0111\u1ecbnh l\u00e0 65%;<\/li>\n<li>M\u1ee5c 1, Ngh\u1ecb quy\u1ebft s\u1ed1 71\/2006\/QH11 ng\u00e0y 29-11-2006 c\u1ee7a Qu\u1ed1c h\u1ed9i Ph\u00ea chu\u1ea9n Ngh\u1ecb \u0111\u1ecbnh th\u01b0 gia nh\u1eadp WTO l\u00e0 51%;<\/li>\n<li>C\u00f4ng v\u0103n s\u1ed1 2217\/NHNN-CNH ng\u00e0y 19-3-2007 c\u1ee7a NHNN v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p l\u00e0 65%;<\/li>\n<li>C\u00f4ng v\u0103n s\u1ed1 11388\/NHNN-CNH ng\u00e0y 24-10-2007 c\u1ee7a NHNN V\/v Th\u1ef1c hi\u1ec7n Ngh\u1ecb quy\u1ebft s\u1ed1 71\/2006\/QH11 l\u00e0 51%;<\/li>\n<li>C\u00f4ng v\u0103n s\u1ed1 771\/BHK-TCT ng\u00e0y 26-12-2007 V\/v \u00c1p d\u1ee5ng Ngh\u1ecb quy\u1ebft 71\/2006\/QH11 c\u1ee7a T\u1ed5 c\u00f4ng t\u00e1c thi h\u00e0nh Lu\u1eadt Doanh nghi\u1ec7p v\u00e0 Lu\u1eadt \u0110\u1ea7u t\u01b0 l\u00e0 65%.<\/li>\n<\/ul>\n<p>Trong th\u1eddi gian so\u1ea1n th\u1ea3o v\u00e0 ch\u1edd Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) c\u00f3 hi\u1ec7u l\u1ef1c (v\u00e0o gi\u1eefa ho\u1eb7c cu\u1ed1i n\u0103m 2009), c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn s\u1ebd kh\u00f4ng bi\u1ebft ph\u1ea3i th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n tr\u1ecb theo Lu\u1eadt n\u00e0o, nh\u1ea5t l\u00e0 trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 tr\u00e1i ng\u01b0\u1ee3c nhau. Theo Lu\u1eadt C\u00e1c TCTD th\u00ec kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh. Theo Lu\u1eadt Doanh nghi\u1ec7p, th\u00ec m\u00e2u thu\u1eabn l\u1edbn v\u1edbi quy \u0111\u1ecbnh c\u1ee7a NHNN. Theo quy \u0111\u1ecbnh c\u1ee7a NHNN th\u00ec l\u1ea1i tr\u00e1i v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p. \u0110\u00e2y l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 r\u1ee7i ro ph\u00e1p l\u00fd kh\u00e1 nghi\u00eam tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. V\u00ec v\u1eady, c\u1ea7n \u0111\u1ec1 ngh\u1ecb Qu\u1ed1c h\u1ed9i c\u00f3 Ngh\u1ecb quy\u1ebft cho ph\u00e9p \u00e1p d\u1ee5ng c\u00e1c v\u0103n b\u1ea3n chuy\u00ean ng\u00e0nh d\u01b0\u1edbi lu\u1eadt tr\u00e1i v\u1edbi quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p. Ho\u1eb7c \u00edt nh\u1ea5t l\u00e0 c\u1ea7n ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n v\u00e0 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh m\u1edbi t\u1ea1m th\u1eddi \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng thay th\u1ebf cho Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 49\/2000\/N\u0110-CP.<\/p>\n<p>Tr\u01b0\u1edbc m\u1eaft, \u0111\u1ec3 an to\u00e0n t\u1ed1i thi\u1ec3u v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, c\u00e1c ng\u00e2n h\u00e0ng n\u00ean th\u1ef1c hi\u1ec7n theo nh\u1eefng quy \u0111\u1ecbnh cao h\u01a1n, ch\u1eb7t ch\u1ebd h\u01a1n, tr\u00f3i bu\u1ed9c h\u01a1n trong s\u1ed1 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a nh\u1eefng v\u0103n b\u1ea3n tr\u00ean. V\u00ed d\u1ee5, vi\u1ec7c g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a c\u00e1c doanh nghi\u1ec7p kh\u00e1c, th\u00ec ph\u1ea3i th\u00f4ng qua \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 49\/2000\/CP-N\u0110 (Lu\u1eadt Doanh nghi\u1ec7p kh\u00f4ng b\u1eaft bu\u1ed9c), c\u00f2n s\u1ed1 l\u01b0\u1ee3ng ban ki\u1ec3m phi\u1ebfu trong cu\u1ed9c h\u1ecdp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng, th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 3 ng\u01b0\u1eddi theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p (c\u00e1c v\u0103n b\u1ea3n v\u1ec1 ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 h\u1ea1n ch\u1ebf n\u00e0y). Ch\u1ec9 \u0111\u00f3 \u0111i\u1ec1u, \u0111\u00f4i khi c\u0169ng kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh n\u00e0o l\u00e0 ch\u1eb7t h\u01a1n. N\u1ebfu r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng nh\u01b0 v\u1eady, th\u00ec n\u00ean th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd cao h\u01a1n.<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p><strong><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">,<\/a> Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n<p>&#8212;&#8212;-<\/p>\n<h5><strong><em>B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u0103ng T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 8 th\u00e1ng 4-2008<\/em><\/strong><\/h5>\n<p><em><strong>Vi\u1ebft theo \u0111\u1ec1 ngh\u1ecb t\u1ea1i C\u00f4ng v\u0103n s\u1ed1 58\/TCNH ng\u00e0y 05-3-2008<\/strong><\/em><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> Quy \u0111\u1ecbnh c\u1ee7a NHNN hi\u1ec7n nay \u0111\u1ed1i v\u1edbi Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n \u0111\u00f4 th\u1ecb c\u0169, t\u1ed1i thi\u1ec3u l\u00e0 35 c\u1ed5 \u0111\u00f4ng; Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n m\u1edbi th\u00e0nh l\u1eadp, t\u1ed1i thi\u1ec3u l\u00e0 100 c\u1ed5 \u0111\u00f4ng.<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> Quy \u0111\u1ecbnh c\u1ee7a NHNN hi\u1ec7n nay \u0111\u1ed1i v\u1edbi Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n \u0111\u00f4 th\u1ecb c\u0169, m\u1ed7i c\u1ed5 \u0111\u00f4ng c\u00e1 nh\u00e2n s\u1edf h\u1eefu t\u1ed1i \u0111a 15%, c\u1ed5 \u0111\u00f4ng ph\u00e1p nh\u00e2n s\u1edf h\u1eefu t\u1ed1i \u0111a 40%; Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n m\u1edbi th\u00e0nh l\u1eadp, m\u1ed7i c\u1ed5 \u0111\u00f4ng c\u00e1 nh\u00e2n s\u1edf h\u1eefu t\u1ed1i \u0111a 10%, c\u1ed5 \u0111\u00f4ng ph\u00e1p nh\u00e2n s\u1edf h\u1eefu t\u1ed1i \u0111a 20% v\u1ed1n \u0111i\u00eau l\u1ec7. Theo D\u1ef1 th\u1ea3o Lu\u1eadt C\u00e1c TCTD l\u1ea5y \u00fd ki\u1ebfn c\u00e1c Ng\u00e2n h\u00e0ng th\u00e1ng 2-2008 th\u00ec m\u1ed7 c\u1ed5 \u0111\u00f4ng c\u00e1 nh\u00e2n s\u1edf h\u1eefu t\u1ed1i \u0111a 5%, c\u1ed5 \u0111\u00f4ng ph\u00e1p nh\u00e2n s\u1edf h\u1eefu t\u1ed1i \u0111a 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7.<\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> Kho\u1ea3n 2, \u0110i\u1ec1u 17, Quy \u0111\u1ecbnh v\u1ec1 c\u00e1c t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 457\/2005\/Q\u0110-NHNN ng\u00e0y 19-4-2005 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh Quy\u1ebft \u0111\u1ecbnh 03\/2007\/Q\u0110-NHNN ng\u00e0y 19-01-2007) quy \u0111\u1ecbnh: \u201c<em>T\u1ed5ng m\u1ee9c g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a TCTD trong t\u1ea5t c\u1ea3 c\u00e1c doanh nghi\u1ec7p, qu\u1ef9 \u0111\u1ea7u t\u01b0, d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, TCTD kh\u00e1c kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 40% v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u00e0 qu\u1ef9 d\u1ef1 tr\u1eef c\u1ee7a TCTD<\/em>\u201d.<\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> \u0110i\u1ec1u 18, Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh: \u201c<em>TCTD ph\u1ea3i c\u00f4ng b\u1ed1 th\u1eddi gian giao d\u1ecbch v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u00fd ng\u1eebng giao d\u1ecbch v\u00e0o th\u1eddi gian \u0111\u00e3 c\u00f4ng b\u1ed1. Trong tr\u01b0\u1eddng h\u1ee3p ng\u1eebng giao d\u1ecbch, TCTD ph\u1ea3i ni\u00eam y\u1ebft t\u1ea1i n\u01a1i giao d\u1ecbch ch\u1eadm nh\u1ea5t l\u00e0 24 gi\u1edd tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m ng\u1eebng giao d\u1ecbch<\/em>.\u201d<\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> \u0110i\u1ec1u 96, Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t \u201c<em>s\u1ebd \u0111\u01b0\u1ee3c \u01b0u ti\u00ean ho\u00e0n tr\u1ea3 tr\u01b0\u1edbc t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00e1c c\u1ee7a TCTD<\/em>\u201d.<\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> \u0110i\u1ec1u 5, \u00a0\u201dQuy ch\u1ebf C\u1ea5p gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 24\/2007\/Q\u0110-NHNN ng\u00e0y 07-6-2007 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 46\/2007\/Q\u0110-NHNN ng\u00e0y 25-12-2007.<\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> Quy \u0111\u1ecbnh c\u1ee7a NHNN hi\u1ec7n nay, gi\u1edbi h\u1ea1n g\u00f3p v\u1ed1n v\u00e0o m\u1ed9t doanh nghi\u1ec7p kh\u00f4ng qu\u00e1 11% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a doanh nghi\u1ec7p \u0111\u00f3.<\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> \u0110i\u1ec1u 31 \u0111\u1ebfn 35, Quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a H\u0110QT, BKS, TG\u0110 Ng\u00e2n h\u00e0ng TMCP, c\u00f4ng ty t\u00e0i ch\u00ednh c\u1ed5 ph\u1ea7n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1087\/2001\/Q\u0110-NHNN ng\u00e0y 27-8-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN.<\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> Kho\u1ea3n 5, \u0110i\u1ec1u 55, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 49\/2000\/N\u0110-CP ng\u00e0y 12-9-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i; kho\u1ea3n 1 \u0110i\u1ec1u 46 v\u00e0 kho\u1ea3n 5, \u0110i\u1ec1u 54, M\u1eabu \u0110i\u1ec1u l\u1ec7 Ng\u00e2n h\u00e0ng TMCP Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 383\/2002\/Q\u0110-NHNN ng\u00e0y 24-4-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN; kho\u1ea3n 3, \u0110i\u1ec1u 9 v\u00e0 kho\u1ea3n 5, \u0110i\u1ec1u 30, Quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a H\u0110QT, Ban ki\u1ec3m so\u00e1t, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n, c\u00f4ng ty t\u00e0i ch\u00ednh c\u1ed5 ph\u1ea7n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1087\/2001\/Q\u0110-NHNN ng\u00e0y 27-8-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN.","protected":false},"excerpt":{"rendered":"<p>Kh\u00f4ng th\u1ec3 c\u00f3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0nh m\u1ea1nh n\u1ebfu nh\u01b0 y\u1ebfu v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd. (TCNH) &#8211; Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n l\u00e0 m\u1ed9t lo\u1ea1i h\u00ecnh ch\u1ee7 y\u1ebfu trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 sau khi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c c\u1ed5 ph\u1ea7n ho\u00e1. Tuy nhi\u00ean, vi\u1ec7c t\u1ed5 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5121,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[36],"class_list":["post-5120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>80. 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