{"id":5199,"date":"2009-07-02T21:40:57","date_gmt":"2009-07-02T14:40:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5199"},"modified":"2024-11-08T15:55:47","modified_gmt":"2024-11-08T08:55:47","slug":"104-ba-van-de-chua-ro","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/104-ba-van-de-chua-ro\/","title":{"rendered":"104. Ba v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u00f5."},"content":{"rendered":"<h4><span style=\"color: #723918;\">Ba v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u00f5.<\/span><\/h4>\n<h5><strong>(KTSG) &#8211; <a href=\"http:\/\/www.thesaigontimes.vn\/Home\/taichinh\/nganhang\/20587\/\">D\u1ef1 th\u1ea3o Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD)<\/a> v\u1edbi 164 \u0111i\u1ec1u, 99 trang, v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) tr\u00ecnh Ch\u00ednh ph\u1ee7 trong th\u00e1ng 6-2009. D\u00f9 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ed9t d\u1ef1 lu\u1eadt \u0111\u01b0\u1ee3c so\u1ea1n th\u1ea3o kh\u00e1 k\u1ef3 c\u00f4ng v\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i ho\u00e0n ch\u1ec9nh, tuy nhi\u00ean v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u00f5 \u0111\u1ed1i v\u1edbi c\u00e1c TCTD n\u00f3i chung v\u00e0 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i n\u00f3i ri\u00eang.<\/strong><\/h5>\n<h5><strong>Ch\u01b0a r\u00f5 v\u1ec1 gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng<\/strong><\/h5>\n<p>V\u1edbi r\u1ea5t nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n v\u1ec1 v\u1ed1n, v\u1ec1 ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 qu\u1ea3n tr\u1ecb, v\u1ec1 h\u1ed3 s\u01a1, th\u1ee7 t\u1ee5c ch\u1eb7t ch\u1ebd (c\u00e1c \u0111i\u1ec1u t\u1eeb 19-21), nh\u01b0ng D\u1ef1 lu\u1eadt m\u1edbi ch\u1ec9 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c m\u1ed9t n\u1eeda v\u1ea5n \u0111\u1ec1 l\u00e0 cho ph\u00e9p th\u00e0nh l\u1eadp TCTD. C\u00f2n \u0111\u1ec3 \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng, th\u00ec TCTD c\u00f2n ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u00edt nh\u1ea5t l\u00e0 10 nh\u00f3m \u0111i\u1ec1u ki\u1ec7n kh\u00e1c v\u1ec1 v\u1ed1n, kho ti\u1ec1n, tr\u1ee5 s\u1edf, t\u1ed5 ch\u1ee9c, b\u1ed9 m\u00e1y, qu\u1ea3n l\u00fd r\u1ee7i ro, c\u00f4ng ngh\u1ec7 th\u00f4ng tin, quy \u0111\u1ecbnh qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9&#8230; (c\u00e1c \u0111i\u1ec1u 24 v\u00e0 26).<\/p>\n<p>Nh\u01b0 v\u1eady sau khi \u0111\u01b0\u1ee3c ph\u00e9p th\u00e0nh l\u1eadp, TCTD c\u00f2n ph\u1ea3i \u0111\u01b0\u1ee3c NHNN c\u00f4ng nh\u1eadn \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t lo\u1ea1t c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u1eaft khe, ph\u1ee9c t\u1ea1p, th\u00ec m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng. \u0110\u00f3 l\u00e0 lo\u1ea1i gi\u1ea5y ph\u00e9p \u201ccon\u201d kh\u00f4ng th\u1ec3 thi\u1ebfu v\u00e0 kh\u00f4ng h\u1ec1 k\u00e9m ph\u1ea7n quan tr\u1ecdng so v\u1edbi gi\u1ea5y ph\u00e9p \u201cch\u00ednh\u201d. \u0110i\u1ec1u \u0111\u00f3 c\u0169ng c\u00f3 ngh\u0129a l\u00e0, th\u1eddi h\u1ea1n c\u1ea5p ph\u00e9p th\u1eadt s\u1ef1 c\u00f2n d\u00e0i h\u01a1n nhi\u1ec1u con s\u1ed1 \u201ck\u1ef7 l\u1ee5c ph\u00e1p lu\u1eadt\u201d 360 ng\u00e0y theo \u0111i\u1ec1u 22 c\u1ee7a D\u1ef1 lu\u1eadt.<\/p>\n<p>Do \u0111\u00f3, thay v\u00ec tuy\u00ean b\u1ed1 m\u1ed9t gi\u1ea5y ph\u00e9p nh\u01b0ng th\u1ef1c t\u1ebf l\u1ea1i l\u00e0 hai, th\u00ec c\u1ea7n t\u00e1ch gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD th\u00e0nh hai lo\u1ea1i l\u00e0 gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 minh b\u1ea1ch, r\u00f5 r\u00e0ng v\u00e0 th\u1ef1c ch\u1ea5t. Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp ch\u1ec9 l\u00e0 \u0111i\u1ec1u ki\u1ec7n ban \u0111\u1ea7u, l\u00e0m c\u01a1 s\u1edf tri\u1ec3n khai c\u00e1c \u0111i\u1ec1u ki\u1ec7n xin gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng. V\u1edbi vi\u1ec7c c\u1ea5p hai gi\u1ea5y ph\u00e9p n\u00e0y s\u1ebd l\u00e0m t\u0103ng th\u00eam th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, ph\u1ee9c t\u1ea1p, r\u1eafc r\u1ed1i, nh\u01b0ng nh\u01b0 th\u1ebf m\u1edbi \u0111\u00fang v\u1edbi b\u1ea3n ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1.<\/p>\n<p>\u0110\u1eb7c bi\u1ec7t c\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 vi\u1ec7c c\u1ea7n thay \u0111\u1ed5i quy \u0111\u1ecbnh thu l\u1ec7 ph\u00ed c\u1ea5p ph\u00e9p t\u1ea1i \u0111i\u1ec1u 23 theo hai giai \u0111o\u1ea1n, trong \u0111\u00f3 ph\u1ea7n ch\u1ee7 y\u1ebfu c\u1ee7a l\u1ec7 ph\u00ed ch\u1ec9 ph\u1ea3i n\u1ed9p sau khi \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng. C\u00f2n n\u1ebfu v\u1edbi quy \u0111\u1ecbnh c\u1ea5p chung m\u1ed9t gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 hi\u1ec7n nay, s\u1ebd l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c, n\u1ebfu ph\u1ea3i n\u1ed9p l\u1ec7 ph\u00ed c\u1ea5p ph\u00e9p t\u1ed1i thi\u1ec3u l\u00ean t\u1edbi 30 t\u1ec9 \u0111\u1ed3ng (1% c\u1ee7a m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh 3.000 t\u1ec9 \u0111\u1ed3ng v\u00e0o n\u0103m 2010 theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a Ch\u00ednh ph\u1ee7), sau \u0111\u00f3 v\u00ec m\u1ed9t l\u00fd do n\u00e0o \u0111\u00f3 m\u00e0 TCTD kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n khai tr\u01b0\u01a1ng ho\u1ea1t \u0111\u1ed9ng.<\/p>\n<h5><strong>Ch\u01b0a r\u00f5 v\u1ec1 ph\u1ea1m vi \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng <\/strong><\/h5>\n<p>Kho\u1ea3n 2, \u0111i\u1ec1u 90 c\u1ee7a D\u1ef1 lu\u1eadt v\u1ec1 Ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c ph\u00e9p c\u1ee7a TCTD quy \u0111\u1ecbnh: \u201cTCTD kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p ti\u1ebfn h\u00e0nh b\u1ea5t k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o ngo\u00e0i c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c quy \u0111\u1ecbnh trong gi\u1ea5y ph\u00e9p do NHNN c\u1ea5p cho TCTD\u201d. Nh\u01b0 v\u1eady, l\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD ph\u1ea3i \u0111\u00fang v\u1edbi t\u1eebng t\u1eeb, t\u1eebng ch\u1eef ghi trong gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng. Kh\u00f4ng r\u00f5 t\u1ea1i sao l\u1ea1i ph\u1ea3i quy \u0111\u1ecbnh qu\u00e1 ch\u1eb7t, qu\u00e1 kh\u1eaft khe nh\u01b0 v\u1eady.<\/p>\n<p>\u0110\u1ed3ng \u00fd l\u00e0 TCTD kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p l\u00e0m t\u1ea5t c\u1ea3 nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p th\u00f4ng th\u01b0\u1eddng kh\u00e1c. Nh\u01b0ng c\u0169ng kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn quy \u0111\u1ecbnh: TCTD ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt cho ph\u00e9p nh\u01b0 \u0111\u1ed1i v\u1edbi NHNN v\u00e0 c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc. Quy \u0111\u1ecbnh qu\u00e1 c\u1ee9ng n\u00e0y s\u1ebd l\u00e0m n\u1ea3y sinh nhi\u1ec1u v\u01b0\u1edbng m\u1eafc, b\u1ea5t h\u1ee3p l\u00fd. Kh\u00f3 c\u00f3 th\u1ec3 \u0111\u1ed3ng t\u00ecnh v\u1edbi l\u00fd l\u1ebd: Kh\u00f4ng th\u1ec3 cho ph\u00e9p c\u00e1c TCTD \u0111\u01b0\u1ee3c l\u00e0m t\u1ea5t c\u1ea3 nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m, v\u00ec ch\u01b0a th\u1ec3 \u0111\u01b0a ra \u0111\u01b0\u1ee3c h\u1ebft nh\u1eefng \u0111i\u1ec1u c\u1ea5m, do s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng qu\u00e1 nhi\u1ec1u v\u00e0 bi\u1ebfn \u0111\u1ed5i li\u00ean t\u1ee5c. Nh\u01b0 v\u1eady th\u00ec c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c s\u1ebd kh\u00f4ng th\u1ec3 ghi trong gi\u1ea5y ph\u00e9p \u0111\u1ea7y \u0111\u1ee7, c\u1ee5 th\u1ec3, chi ti\u1ebft c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD. V\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd s\u1ebd t\u1ea5t b\u1eadt \u201cch\u1ea1y theo\u201d s\u1ef1 v\u1ee5 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung gi\u1ea5y ph\u00e9p \u0111\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u00f2i h\u1ecfi y\u00eau c\u1ea7u kinh doanh h\u00e0ng ng\u00e0y c\u1ee7a h\u00e0ng tr\u0103m TCTD. T\u1ea5t nhi\u00ean l\u00e0 kh\u00f3 tr\u00e1nh kh\u1ecfi c\u01a1 ch\u1ebf xin cho t\u1ea5t y\u1ebfu s\u1ebd x\u1ea3y ra.<\/p>\n<p>Do v\u1eady, c\u1ea7n \u0111\u01b0a ra m\u1ed9t gi\u1ea3i ph\u00e1p m\u1edbi, theo h\u01b0\u1edbng: TCTD \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt cho ph\u00e9p ho\u1eb7c kh\u00f4ng c\u1ea5m, \u0111\u1ed3ng th\u1eddi ph\u1ea3i \u0111\u01b0\u1ee3c s\u1ef1 cho ph\u00e9p c\u1ee7a NHNN trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Theo \u0111\u00f3, n\u1ed9i dung gi\u1ea5y ph\u00e9p ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n \u0111\u01b0a c\u1ee5 th\u1ec3 m\u1ecdi n\u1ed9i dung \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng, v\u1eeba th\u1eeba l\u1ea1i v\u1eeba thi\u1ebfu nh\u01b0 hi\u1ec7n nay. V\u00ed d\u1ee5, s\u1ebd kh\u00f4ng c\u00f3 \u00fd ngh\u0129a g\u00ec khi \u0111\u01b0a v\u00e0o gi\u1ea5y ph\u00e9p nh\u1eefng c\u00e2u ch\u00e9p nguy\u00ean v\u0103n Lu\u1eadt c\u00e1c TCTD nh\u01b0: \u201cTh\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n qu\u1ed1c t\u1ebf theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d, v\u00ec nh\u01b0 v\u1eady ho\u00e0n to\u00e0n kh\u00f4ng bi\u1ebft TCTD \u0111\u00e3 \u0111\u01b0\u1ee3c hay ch\u01b0a \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 n\u00e0y. Do \u0111\u00f3 gi\u1ea5y ph\u00e9p ch\u1ec9 c\u1ea7n n\u00eau c\u00e1c \u0111\u1ec1 m\u1ee5c l\u1edbn, v\u00ed d\u1ee5 nh\u01b0: \u201cNh\u1eadn ti\u1ec1n g\u1eedi\u201d, \u201cC\u1ea5p t\u00edn d\u1ee5ng\u201d, \u201cCung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n\u201d&#8230; c\u00f2n c\u1ee5 th\u1ec3 l\u00e0 nh\u1eefng g\u00ec v\u00e0 \u0111\u01b0\u1ee3c l\u00e0m nh\u01b0 th\u1ebf n\u00e0o, th\u00ec \u0111\u00e3 c\u00f3 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt, ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 v\u00e0 c\u00e1c gi\u1ea5y ph\u00e9p \u201ccon\u201d.<\/p>\n<h5><strong>Ch\u01b0a r\u00f5 v\u1ec1 nhi\u1ec1u n\u1ed9i dung c\u1ed1t y\u1ebfu kh\u00e1c<\/strong><\/h5>\n<p>C\u00f2n nhi\u1ec1u n\u1ed9i dung c\u01a1 b\u1ea3n, c\u1ed1t l\u00f5i, quan tr\u1ecdng ch\u01b0a r\u00f5, ch\u01b0a bi\u1ebft ph\u1ea3i tr\u00e1i th\u1ebf n\u00e0o, v\u00ec b\u1ecb b\u1ecf ng\u1ecf ho\u00e0n to\u00e0n ho\u1eb7c m\u1ed9t ph\u1ea7n nh\u01b0:<\/p>\n<ul>\n<li>Kh\u00f4ng bi\u1ebft \u0111i\u1ec1u ki\u1ec7n th\u1ebf n\u00e0o \u0111\u1ec3 c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh c\u1ed5 \u0111\u00f4ng s\u00e1ng l\u1eadp ng\u00e2n h\u00e0ng, m\u00e0 ch\u1ec9 bi\u1ebft ch\u1eafc ch\u1eafn l\u00e0 kh\u00e1c xa so v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p;<\/li>\n<li>Kh\u00f4ng bi\u1ebft m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh s\u1ebd l\u00ean xu\u1ed1ng, t\u0103ng gi\u1ea3m th\u1ebf n\u00e0o \u0111\u1ec3 th\u00e0nh l\u1eadp c\u00e1c TCTD m\u1edbi c\u0169ng nh\u01b0 \u0111\u1ec3 ho\u1ea1ch \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c TCTD c\u0169;<\/li>\n<li>Kh\u00f4ng bi\u1ebft TCTD c\u00f3 \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu th\u00f4ng th\u01b0\u1eddng nh\u01b0 l\u00e2u nay v\u1eabn l\u00e0m hay kh\u00f4ng, v\u00ec D\u1ef1 lu\u1eadt ch\u1ec9 nh\u1eafc \u0111\u1ebfn \u201ctr\u00e1i phi\u1ebfu chuy\u1ec3n \u0111\u1ed5i\u201d v\u00e0 \u201cch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, t\u00edn phi\u1ebfu, k\u1ef3 phi\u1ebfu\u201d (c\u00e1c \u0111i\u1ec1u 59, 63, 92 v\u00e0 98); trong khi Lu\u1eadt c\u00e1c TCTD hi\u1ec7n h\u00e0nh quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu;<\/li>\n<li>Kh\u00f4ng bi\u1ebft h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i g\u1eafn li\u1ec1n v\u1edbi m\u1ee5c \u0111\u00edch vay v\u1ed1n s\u1ea3n xu\u1ea5t kinh doanh nh\u01b0 lu\u1eadt hi\u1ec7n h\u00e0nh hay kh\u00f4ng. N\u1ebfu v\u1eabn \u0111\u00f2i h\u1ecfi, th\u00ec kh\u00f4ng th\u1ec3 b\u1ecf ng\u1ecf ho\u00e0n to\u00e0n nh\u01b0 D\u1ef1 th\u1ea3o;<\/li>\n<li>Kh\u00f4ng bi\u1ebft \u201cNg\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng\u201d b\u1ecb c\u1ea5m vay v\u1ed1n l\u00e0 ai (\u0111i\u1ec1u 127 v\u1ec1 H\u1ea1n ch\u1ebf c\u1ea5p t\u00edn d\u1ee5ng) v\u00ec tr\u00ean th\u1ef1c t\u1ebf \u0111ang b\u1ecb hi\u1ec3u theo qu\u00e1 nhi\u1ec1u c\u00e1ch kh\u00e1c nhau: \u201cNg\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng\u201d \u0111\u1ed1i v\u1edbi ch\u00ednh kho\u1ea3n t\u00edn d\u1ee5ng \u0111\u00f3, hay l\u00e0 ng\u01b0\u1eddi thu\u1ed9c ph\u00f2ng nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng hay l\u00e0 ng\u01b0\u1eddi thu\u1ed9c chi nh\u00e1nh c\u1ee7a TCTD hay l\u00e0 ng\u01b0\u1eddi trong TCTD hay l\u00e0 ng\u01b0\u1eddi \u0111\u1ea3m nhi\u1ec7m c\u00f4ng vi\u1ec7c n\u00e0y trong t\u1ea5t c\u1ea3 c\u00e1c TCTD;<\/li>\n<li>Kh\u00f4ng bi\u1ebft vi\u1ec7c \u201c\u0111\u1ea3o n\u1ee3\u201d theo Lu\u1eadt c\u00e1c TCTD hi\u1ec7n h\u00e0nh s\u1ebd b\u1ecb c\u1ea5m hay \u0111\u01b0\u1ee3c l\u00e0m c\u00f3 \u0111i\u1ec1u ki\u1ec7n, v\u00ec kh\u00f4ng h\u1ec1 \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn \u1edf D\u1ef1 lu\u1eadt m\u1edbi;<\/li>\n<li>Kh\u00f4ng bi\u1ebft t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u c\u1ee7a TCTD l\u00e0 bao nhi\u00eau (\u0111i\u1ec1u 130). Trong khi \u0111\u00f3, \u0111i\u1ec1u 146 l\u1ea1i quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3 m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p TCTD b\u1ecb ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t l\u00e0: T\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ebfu th\u1ea5p h\u01a1n 4%;<\/li>\n<li>Kh\u00f4ng r\u00f5 t\u1ea1i sao l\u1ea1i \u201cc\u1ea5m ti\u1ec7t\u201d vi\u1ec7c ng\u00e2n h\u00e0ng cho vay \u0111\u1ea7u t\u01b0, kinh doanh c\u1ed5 phi\u1ebfu, trong khi \u0111\u1ec3 tho\u00e1i m\u00e1i su\u1ed1t nhi\u1ec1u n\u0103m v\u00e0 hi\u1ec7n nay \u0111ang kh\u1ed1ng ch\u1ebf t\u1ef7 l\u1ec7 cho vay kh\u00f4ng qu\u00e1 20% v\u1ed1n \u0111i\u1ec1u l\u1ec7;&#8230;<\/li>\n<\/ul>\n<p>T\u1ea5t c\u1ea3 nh\u1eefng n\u1ed9i dung nh\u01b0 tr\u00ean c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng; ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ec9 r\u00f5 l\u00e0 c\u1ea5m \u0111o\u00e1n hay \u0111\u01b0\u1ee3c ph\u00e9p. N\u00ean \u0111\u01b0a ra c\u00e1c gi\u1edbi h\u1ea1n, c\u00e1c \u0111i\u1ec1u ki\u1ec7n ch\u1eb7t ch\u1ebd \u0111\u1ec3 kh\u1ed1ng ch\u1ebf h\u1ee3p l\u00fd, thay v\u00ec c\u1ea5m \u0111o\u00e1n m\u1ed9t c\u00e1ch tr\u00e0n lan, kh\u00f4ng th\u1eadt s\u1ef1 c\u1ea7n thi\u1ebft, c\u1ee9 kh\u00f3 qu\u1ea3n l\u00e0 c\u1ea5m. Nh\u1eefng v\u1ea5n \u0111\u1ec1 \u201cnh\u01b0\u1eddng\u201dcho v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt, th\u00ec c\u0169ng ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ec1 m\u1eb7t nguy\u00ean t\u1eafc \u0111\u1ec3 c\u00f3 \u0111\u1ee7 c\u01a1 s\u1edf ph\u00e1p l\u00fd sau n\u00e0y.<\/p>\n<p>_____________________________________<\/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<hr \/>\n<p><strong><em>B\u00e0i vi\u1ebft \u0111\u0103ng tr\u00ean trang 17 + 18, Chuy\u00ean m\u1ee5c Th\u1ecb tr\u01b0\u1eddng T\u00e0i ch\u00ednh &#8211; Ch\u1ee9ng kho\u00e1n, Th\u1eddi b\u00e1o Kinh t\u1ebf S\u00e0i G\u00f2n s\u1ed1 28 ng\u00e0y 02-7-2009:<\/em><\/strong>\u00a0 <strong><em>\u00a0\u00a0\u00a0<\/em><\/strong><\/p>\n<ul>\n<li><strong>\u0110\u0103ng l\u1ea1i:<\/strong><\/li>\n<\/ul>\n<p><em><a href=\"http:\/\/www.tinkinhte.com\/nd5\/detail\/tai-chinh-dau-tu\/phan-tich-nhan-dinh\/du-thao-luat-cac-to-chuc-tin-dung-ba-van-de-chua-ro\/50496.123131.html\">http:\/\/www.tinkinhte.com\/nd5\/detail\/tai-chinh-dau-tu\/phan-tich-nhan-dinh\/du-thao-luat-cac-to-chuc-tin-dung-ba-van-de-chua-ro\/50496.123131.html<\/a><\/em><\/p>\n<p><em><a href=\"http:\/\/www.duthaoonline.quochoi.vn\/large_plone_folder...\/folder...\/file...\/at...\/file\">http:\/\/www.duthaoonline.quochoi.vn\/large_plone_folder&#8230;\/folder&#8230;\/file&#8230;\/at&#8230;\/file<\/a><\/em>","protected":false},"excerpt":{"rendered":"<p>Ba v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u00f5. (KTSG) &#8211; D\u1ef1 th\u1ea3o Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) v\u1edbi 164 \u0111i\u1ec1u, 99 trang, v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) tr\u00ecnh Ch\u00ednh ph\u1ee7 trong th\u00e1ng 6-2009. D\u00f9 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ed9t d\u1ef1 lu\u1eadt \u0111\u01b0\u1ee3c so\u1ea1n th\u1ea3o kh\u00e1 k\u1ef3 c\u00f4ng v\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i ho\u00e0n ch\u1ec9nh, tuy nhi\u00ean [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4867,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[36],"class_list":["post-5199","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>104. Ba v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u00f5. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Ba v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u00f5 trong D\u1ef1 th\u1ea3o Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) 2009 v\u1ec1 gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng, ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng v\u00e0...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/104-ba-van-de-chua-ro\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]104. 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