{"id":5254,"date":"1997-06-15T08:58:57","date_gmt":"1997-06-15T01:58:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5254"},"modified":"2024-11-18T09:48:39","modified_gmt":"2024-11-18T02:48:39","slug":"16-xay-dung-cac-quy-dinh-rieng-cua-ngan-hang-ve-the-chap-cam-co-va-bao-lanh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/16-xay-dung-cac-quy-dinh-rieng-cua-ngan-hang-ve-the-chap-cam-co-va-bao-lanh\/","title":{"rendered":"16. X\u00e2y d\u1ef1ng c\u00e1c quy \u0111\u1ecbnh ri\u00eang c\u1ee7a ng\u00e2n h\u00e0ng v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh."},"content":{"rendered":"

X\u00e2y d\u1ef1ng c\u00e1c quy \u0111\u1ecbnh ri\u00eang c\u1ee7a ng\u00e2n h\u00e0ng v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh.<\/span><\/h4>\n
(TTTCTT) – Th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh l\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1<\/h5>\n

H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng v\u1eeba c\u00f3 th\u1ec3 l\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u1eeba c\u00f3 th\u1ec3 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 (n\u1ebfu b\u00ean vay kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n ho\u1eb7c kh\u00f4ng v\u00ec m\u1ee5c \u0111\u00edch kinh doanh). Do t\u1eeb l\u00e2u nay c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tu\u00e2n theo c\u1ea3 hai ng\u00e0nh lu\u1eadt tr\u00ean, m\u00e0 c\u00f3 th\u1ec3 l\u00e0 tu\u00e2n theo Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng Kinh t\u1ebf n\u0103m 1989 v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 (hay Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 tr\u01b0\u1edbc \u0111\u00e2y). Quan \u0111i\u1ec3m \u0111\u00f3 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n trong Th\u00f4ng t\u01b0 li\u00ean b\u1ed9 s\u1ed1 01\/TT-LB ng\u00e0y 03-7-1996 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh \u2013 T\u01b0 ph\u00e1p \u2013 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cH\u01b0\u1edbng d\u1eabn th\u1ee7 t\u1ee5c v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc v\u00e0 th\u1ee7 t\u1ee5c c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng\u201d c\u0169ng nh\u01b0 trong \u201cQuy ch\u1ebf th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng\u201d, ban h\u00e0nh k\u00e8m rtheo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 217\/Q\u0110-NH1 ng\u00e0y 17-8-1996 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Theo nguy\u00ean t\u1eafc ph\u00e1p ch\u1ebf, c\u00e1c v\u0103n b\u1ea3n c\u1ee7a c\u1ea5p ban h\u00e0nh tr\u00ean tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt, ph\u00e1p l\u1ec7nh v\u00e0 ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7. Theo \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BRT ng\u00e0y 16-01-1990 c\u1ee7a H\u1ed9i \u0111\u1ed3ng B\u1ed9 tr\u01b0\u1edfng (nay l\u00e0 Ch\u00ednh ph\u1ee7) \u201cQuy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf\u201d th\u00ec vi\u1ec7c th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 ph\u1ea3i c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a c\u01a1 quan c\u00f4ng ch\u1ee9ng nh\u00e0 n\u01b0\u1edbc.<\/p>\n

Nh\u01b0ng th\u1ef1c t\u1ebf cho th\u1ea5y nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh trong c\u00e1c v\u0103n b\u1ea3n tr\u00ean qu\u00e1 ch\u1eb7t ch\u1ebd, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u ho\u1ea1t \u0111\u1ed9ng kinh doanh, nh\u1ea5t l\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng c\u00f3 r\u1ea5t nhi\u1ec1u \u0111\u1eb7c th\u00f9.<\/p>\n

Ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng l\u00e0 nh\u1eb1m b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a c\u00e1c ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n khi tham gia c\u00e1c giao d\u1ecbch kinh t\u1ebf v\u00e0 d\u00e2n s\u1ef1. Nh\u01b0ng c\u00f3 m\u1ed9t ngh\u1ecbch l\u00fd l\u00e0 tr\u00ean th\u1ef1c t\u1ebf, ch\u00ednh v\u00ec s\u1ef1 ch\u1eb7t ch\u1ebd \u0111\u00f3 m\u00e0 c\u1ee7a quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m. Trong nh\u1eefng n\u0103m qua, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian, c\u00f4ng s\u1ee9c, chi ph\u00ed v\u00f4 b\u1ed5 lo chuy\u1ec7n ho\u00e0n th\u00e0nh th\u1ee7 t\u1ee5c v\u00e0 x\u1eed l\u00fd c\u00e1c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh. V\u00e0 tr\u1edf l\u1ea1i m\u1ed9t v\u00f2ng lu\u1ea9n qu\u1ea9n, \u0111\u1ebfn l\u01b0\u1ee3t l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng b\u1ecb \u1ea3nh h\u01b0\u1edfng x\u1ea5u.<\/p>\n

V\u00ec v\u1eady m\u1ed9t \u0111\u00f2i h\u1ecfi c\u1ea5p b\u00e1ch l\u00e0 c\u1ea7n x\u00e2y d\u1ef1ng c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u00e1p d\u1ee5ng ri\u00eang \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, tr\u00ean c\u01a1 s\u1edf tham kh\u1ea3o c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p d\u00e2n s\u1ef1 v\u00e0 kinh t\u1ebf ch\u1ee9 kh\u00f4ng ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c ng\u00e0nh lu\u1eadt \u1ea5y.<\/p>\n

Sai l\u1ea7m n\u1ebfu nh\u01b0 ngh\u0129 r\u1eb1ng, c\u00e1c quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i gi\u1ed1ng ho\u00e0n to\u00e0n nh\u01b0 c\u00e1c quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c. N\u1ebfu v\u1eady th\u00ec hi\u1ec7n nay ch\u1ec9 c\u1ea7n c\u00e1c lu\u1eadt v\u1ec1 doanh nghi\u1ec7p, m\u00e0 ch\u1eb3ng c\u1ea7n ra th\u00eam c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt h\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng c\u1ee5 th\u1ec3 v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng: Ng\u00e2n h\u00e0ng qu\u1ed1c doanh l\u00e0 doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc th\u00ec ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt Doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc, ng\u00e2n h\u00e0ng li\u00ean quan v\u00e0 ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i th\u00ec ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt C\u00f4ng ty, h\u1ee3p t\u00e1c x\u00e3 t\u00edn d\u1ee5ng v\u00e0 qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n th\u00ec ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt H\u1ee3p t\u00e1c x\u00e3. Nh\u01b0 v\u1eady th\u00ec c\u1ea7n g\u00ec ph\u1ea3i c\u00f3 Ph\u00e1p l\u1ec7nh v\u1ec1 ng\u00e2n h\u00e0ng hay l\u00e0 Lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng thu\u01a1ng m\u1ea1i s\u1eafp t\u1edbi?<\/p>\n

Theo s\u1ef1 ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u1ec9nh ph\u1ee7, c\u00f9ng v\u1edbi vi\u1ec7c g\u1ea5p r\u00fat ho\u00e0n thi\u1ec7n 2 D\u1ef1 lu\u1eadt v\u1ec1 Ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc s\u1ebd so\u1ea1n th\u1ea3o Quy ch\u1ebf th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh vay v\u1ed1n ng\u00e2n h\u00e0ng tr\u00ecnh Ch\u00ednh ph\u1ee7.<\/p>\n

Tinh th\u1ea7n c\u1ee7a D\u1ef1 th\u1ea3o Quy ch\u1ebf n\u00e0y \u0111\u00e3 ph\u1ea7n n\u00e0o th\u1ec3 hi\u1ec7n quan \u0111i\u1ec3m coi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c \u0111\u1eb7c th\u00f9, \u0111\u1ed9c l\u1eadp t\u01b0\u01a1ng \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e0nh lu\u1eadt kh\u00e1c v\u00e0 d\u1ef1a v\u00e0o c\u0103n c\u1ee9 ch\u1ee7 y\u1ebfu l\u00e0 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.<\/p>\n

D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh vi\u1ec7c c\u00f3 c\u00f4ng ch\u1ee9ng v\u0103n b\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh hay kh\u00f4ng l\u00e0 do c\u00e1c b\u00ean t\u1ef1 tho\u1ea3 thu\u1eadn ho\u1eb7c do ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh. \u0110i\u1ec1u \u0111\u00f3 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a quan h\u1ec7 kinh t\u1ebf v\u00e0 c\u0169ng t\u01b0\u01a1ng t\u1ef1 v\u1edbi quan \u0111i\u1ec3m cho r\u1eb1ng vi\u1ec7c th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh l\u00e0 tr\u00e1i v\u1edbi b\u1ea3n ch\u1ea5t c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, v\u00ec n\u00f3 l\u00e0m h\u1ea1n ch\u1ebf vi\u1ec7c t\u1ef1 cho kinh doanh. Quy ch\u1ebf c\u0169ng ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c lu\u1eadt v\u00e0 ph\u00e1p l\u1ec7nh hi\u1ec7n nay l\u00e0 ch\u1ec9 c\u00f3 B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i quy \u0111\u1ecbnh c\u00f3 th\u1ec3 vi\u1ec7c th\u1ebf ch\u1ea5p ph\u1ea3i qua c\u00f4ng ch\u1ee9ng. Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 n\u0103m 1991 c\u00f3 quy \u0111\u1ecbnh vi\u1ec7c th\u1ebf ch\u1ea5p ph\u1ea3i c\u00f3 c\u00f4ng ch\u1ee9ng nh\u01b0ng \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01-01-1996. C\u00e1c Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf n\u0103m 1989, Lu\u1eadt H\u00e0ng kh\u00f4ng d\u00e2n d\u1ee5ng Vi\u1ec7t Nam n\u0103m 1991, Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 1993, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995,\u2026 \u0111i\u1ec1u kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 tr\u01b0\u1eddng h\u1ee3p n\u1ea3o ph\u1ea3i qua c\u00f4ng ch\u1ee9ng.<\/p>\n

M\u1ed9t trong nh\u1eefng v\u0103n b\u1ea3n hi\u1ec7n h\u00e0nh c\u1ee7a Ch\u00ednh ph\u1ee7 l\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BT ng\u00e0y 16-01-1990 Quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf c\u00f3 quy \u0111\u1ecbnh vi\u1ec7c th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 ph\u1ea3i qua c\u00f4ng ch\u1ee9ng. Do v\u1eady mu\u1ed1n b\u1ecf quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c b\u1eaft bu\u1ed9c ph\u1ea3i qua c\u00f4ng ch\u1ee9ng th\u00ec Quy ch\u1ebf n\u00f3i tr\u00ean bu\u1ed9c ph\u1ea3i ban h\u00e0nh k\u00e8m theo Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7, t\u1ee9c l\u00e0 th\u1ec3 hi\u1ec7n b\u1eb1ng h\u00ecnh th\u1ee9c v\u0103n bnar c\u00f9ng c\u1ea5p v\u1edbi Ngh\u1ecb \u0111inh s\u1ed1 17-H\u0110BT.<\/p>\n

D\u1ef1 th\u1ea3o c\u1ea7n quy \u0111\u1ecbnh r\u00f5 h\u01a1n nhi\u1ec1u v\u1ea5n \u0111\u1ec1 nh\u01b0:<\/h5>\n

– T\u00e0i s\u1ea3n n\u00e0o ph\u1ea3i \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh v\u1edbi c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n v\u00e0 ch\u1ec9 ra c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m thuy\u1ec1n l\u00e0 ai?<\/p>\n

– \u0110i\u1ec1u ki\u1ec7n ri\u00eang v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 t\u00e0u bi\u1ec3n, t\u00e0u bay, ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng;<\/p>\n

– X\u1eed l\u00fd c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi \u0111\u1ea5t \u0111ai, t\u00e0i s\u1ea3n ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc\u2026;<\/p>\n

Tuy nhi\u00ean, c\u00f2n nhi\u1ec1u v\u1ea5n \u0111\u1ec3 kh\u00e1c c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh ho\u1eb7c vi\u1ec7n d\u1eabn c\u1ee5 th\u1ec3 h\u01a1n \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n d\u1ec5 d\u00e0ng cho vi\u1ec7c \u00e1p d\u1ee5ng nh\u01b0:<\/p>\n

– T\u00e0i s\u1ea3n n\u00e0o ph\u00e1p lu\u1eadt c\u1ea5m kinh doanh, mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng? (theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 02-CP ng\u00e0y 05-01-1995 c\u1ee7a Ch\u00ednh ph\u1ee7 th\u00ec hi\u1ec7n nay c\u00f3 9 lo\u1ea1i h\u00e0ng ho\u00e1, d\u1ecbch v\u1ee5 c\u1ea5m kinh doanh, mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng);<\/p>\n

– T\u00e0i s\u1ea3n n\u00e0o ph\u1ea3i \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu? (theo Th\u00f4ng t\u01b0 s\u1ed1 19 ng\u00e0y 16-3-1995 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 193-VP ng\u00e0y 29-12-1994 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 L\u1ec7 ph\u00ed tr\u01b0\u1edbc b\u1ea1n th\u00ec hi\u1ec7n nay c\u00f3 6 lo\u1ea1i t\u00e0i s\u1ea3n ph\u1ea3i \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu);<\/p>\n

– T\u00e0i s\u1ea3n n\u00e0o thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi? (Nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi lo\u1ea1i t\u00e0i s\u1ea3n ch\u1ec9 \u0111\u0103ng k\u00fd t\u00ean 1 ng\u01b0\u1eddi nh\u01b0 \u00f4 t\u00f4, xe m\u00e1y nh\u01b0ng th\u01b0\u1eddng l\u00e0 thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a v\u1ee3 ch\u1ed3ng theo Lu\u1eadt H\u00f4n nh\u00e2n v\u00e0 gia \u0111\u00ecnh n\u0103m 1986)\u2026<\/p>\n

Quy ch\u1ebf g\u1ecdi l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh nh\u01b0ng l\u1ea1i kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c l\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf hay d\u00e2n s\u1ef1, do khi c\u00f3 tranh ch\u1ea5p th\u00ec kh\u00f4ng bi\u1ebft thu\u1ed9c th\u1ea9m quy\u1ec1n c\u1ee7a To\u00e0 kinh t\u1ebf hay To\u00e0 d\u00e2n s\u1ef1 v\u00e0 to\u00e0 c\u1ea5p huy\u1ec7n hay c\u1ea5p t\u1ec9nh. Theo b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd th\u00ec c\u00e1c v\u0103n b\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh ch\u1ec9 l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng ph\u1ee5 k\u00e8m theo h\u1ee3p \u0111\u1ed3ng ch\u00ednh l\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t quan h\u1ec7 ph\u00e1p l\u00fd \u0111\u1ed9c l\u1eadp, n\u00ean vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u1ea5t nhi\u00ean l\u00e0 theo quy \u0111s\u1ecbnh v\u1ec1 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng (trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 tranh ch\u1ea5p v\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh c\u00f3 s\u1ef1 vi ph\u1ea1m v\u1ec1 ngh\u0129a v\u1ee5 thanh to\u00e1n ho\u1eb7c ngh\u0129a v\u1ee5 b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i\u2026).<\/p>\n

Ngo\u00e0i 3 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng n\u00f3i tr\u00ean, Quy ch\u1ebf c\u0169ng n\u00ean m\u1edf r\u1ed9ng th\u00eam m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p \u00e1p d\u1ee5ng cho l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, ch\u1eb3ng h\u1ea1n nh\u01b0 bi\u1ec7n ph\u00e1p k\u1ef9 qu\u1ef9. Theo tinh th\u1ea7n \u0110i\u1ec1u 365, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 th\u00ec vi\u1ec7c b\u1ea3o \u0111\u1ea3m th\u1ef1c thi\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f2n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n b\u1eb1ng bi\u1ec7n ph\u00e1p k\u00fd qu\u1ef9, t\u1ee9c l\u00e0 ng\u00e2n h\u00e0ng cho vay ho\u1eb7c ng\u00e2n h\u00e0ng th\u1ee9 3 phong to\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n, kim kh\u00ed qu\u1ef9, \u0111\u00e1 qu\u00fd ho\u1eb7c c\u00e1c gi\u1ea5y t\u1edd tr\u1ecb gi\u00e1 \u0111\u01b0\u1ee3c b\u1eb1ng ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi vay. Nh\u01b0 v\u1eady c\u00f3 th\u1ec3 cho vay tr\u00ean 80% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n, v\u1eeba an to\u00e0n v\u00e0 thu\u1eadn ti\u1ec7n cho c\u00e1c b\u00ean<\/p>\n

\u0110\u1ec3 kh\u1eb3ng \u0111\u1ecbnh heo quan \u0111i\u1ec3tm x\u00e2y d\u1ef1ng c\u00e1c quy ph\u1ea1m \u0111\u1ed9c l\u1eadp cho l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o \u0111\u1ea3m hi\u1ec7u l\u1ef1c cao h\u01a1n nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1, b\u1ea3o l\u00e3nh vay ng\u00e2n h\u00e0ng, \u0111\u1ec1 ngh\u1ecb \u0111\u01b0a m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh v\u00e0o c\u00e1c lu\u1eadt ng\u00e2n h\u00e0ng s\u1eafp t\u1edbi.<\/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><\/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 6\/1997<\/em>.<\/em>","protected":false},"excerpt":{"rendered":"

X\u00e2y d\u1ef1ng c\u00e1c quy \u0111\u1ecbnh ri\u00eang c\u1ee7a ng\u00e2n h\u00e0ng v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh. (TTTCTT) – Th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh l\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n […]<\/p>\n","protected":false},"author":2,"featured_media":5259,"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-5254","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":"\n16. X\u00e2y d\u1ef1ng c\u00e1c quy \u0111\u1ecbnh ri\u00eang c\u1ee7a ng\u00e2n h\u00e0ng v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ee7a NH v\u1eeba c\u00f3 th\u1ec3 l\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u1eeba c\u00f3 th\u1ec3 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1... n\u00ean c\u00f3 quy \u0111\u1ecbnh ri\u00eang v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh.\" \/>\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\/16-xay-dung-cac-quy-dinh-rieng-cua-ngan-hang-ve-the-chap-cam-co-va-bao-lanh\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]16. X\u00e2y d\u1ef1ng c\u00e1c quy \u0111\u1ecbnh ri\u00eang c\u1ee7a ng\u00e2n h\u00e0ng v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ee7a NH v\u1eeba c\u00f3 th\u1ec3 l\u00e0 h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u1eeba c\u00f3 th\u1ec3 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1... n\u00ean c\u00f3 quy \u0111\u1ecbnh ri\u00eang v\u1ec1 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 b\u1ea3o l\u00e3nh.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/16-xay-dung-cac-quy-dinh-rieng-cua-ngan-hang-ve-the-chap-cam-co-va-bao-lanh\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"1997-06-15T01:58:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-18T02:48:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/1997\/06\/0DDC4711-A5C4-40D0-A907-76FC7D3DBDED_4_5005_c.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"414\" \/>\n\t<meta property=\"og:image:height\" content=\"310\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/en\/16-xay-dung-cac-quy-dinh-rieng-cua-ngan-hang-ve-the-chap-cam-co-va-bao-lanh\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/en\/16-xay-dung-cac-quy-dinh-rieng-cua-ngan-hang-ve-the-chap-cam-co-va-bao-lanh\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"16. 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