{"id":5693,"date":"2007-06-07T22:03:52","date_gmt":"2007-06-07T15:03:52","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5693"},"modified":"2022-02-07T22:05:58","modified_gmt":"2022-02-07T15:05:58","slug":"92-co-su-thieu-thong-nhat-giua-cac-quy-dinh-cua-phap-luat-ve-pha-san-cac-to-chuc-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/92-co-su-thieu-thong-nhat-giua-cac-quy-dinh-cua-phap-luat-ve-pha-san-cac-to-chuc-tin-dung\/","title":{"rendered":"92. C\u00f3 s\u1ef1 thi\u1ebfu th\u1ed1ng nh\u1ea5t gi\u1eefa c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ph\u00e1 s\u1ea3n c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng."},"content":{"rendered":"(ANVI) – G\u00f3p \u00fd D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh Quy \u0111\u1ecbnh vi\u1ec7c \u00e1p d\u1ee5ng Lu\u1eadt Ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam so\u1ea1n th\u1ea3o)<\/em><\/strong><\/p>\n
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  1. Ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 nhi\u1ec1u n\u00e9t \u0111\u1eb7c th\u00f9 v\u00e0 mang t\u00ednh chuy\u00ean ng\u00e0nh cao, do \u0111\u00f3 v\u1ea5n \u0111\u1ec1 ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng kinh doanh \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p kh\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ph\u00e1 s\u1ea3n l\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng kh\u1ea3 thi, kh\u00f4ng c\u00f3 hi\u1ec7u qu\u1ea3, ch\u1ec9 l\u00e0 m\u1ed9t th\u1ee7 t\u1ee5c mang t\u00ednh h\u00ecnh th\u1ee9c. D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh c\u0169ng \u0111\u00e3 quy \u0111\u1ecbnh: Kh\u00f4ng l\u1eb7p l\u1ea1i qu\u00e1 tr\u00ecnh ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t \u2013 kinh doanh \u0111\u1ed1i v\u1edbi T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang \u00e1p d\u1ee5ng Ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t ho\u1eb7c \u0111\u00e3 ch\u1ea5m d\u1ee9t \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p Ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t (kho\u1ea3n 2, \u0110i\u1ec1u 2 c\u1ee7a D\u1ef1 th\u1ea3o). Tuy nhi\u00ean c\u1ea7n xem l\u1ea1i quy \u0111\u1ecbnh trong tr\u01b0\u1eddng h\u1ee3p T\u00f2a \u00e1n ti\u1ebfn h\u00e0nh th\u1ee7 t\u1ee5c ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng kinh doanh khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p Ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. N\u1ebfu v\u1eabn \u00e1p d\u1ee5ng th\u1ee7 t\u1ee5c n\u00e0y, th\u00ec c\u1ea7n ph\u1ea3i quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3 v\u00e0 kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c doanh nghi\u1ec7p kh\u00e1c. Khi \u0111\u00e3 l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng ph\u00e1 s\u1ea3n, th\u00ec ngo\u00e0i nh\u1eefng h\u1ea1n ch\u1ebf v\u1ec1 quy\u1ec1n h\u1ea1n ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt Ph\u00e1 s\u1ea3n, c\u00f2n r\u1ea5t nhi\u1ec1u h\u1ea1n ch\u1ebf do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u00e1p \u0111\u1eb7t, n\u00ean kh\u00f3 c\u00f3 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i (kh\u00f4ng th\u1ec3 c\u00f3 vi\u1ec7c \u201cM\u1ecdi ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng sau khi c\u00f3 quy\u1ebft \u0111\u1ecbnh m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n v\u1eabn \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh b\u00ecnh th\u01b0\u1eddng<\/em>\u201d nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 16 c\u1ee7a D\u1ef1 th\u1ea3o). V\u00ec v\u1eady, c\u1ea7n t\u1ea1o ra m\u1ed9t thi\u1ebft ch\u1ebf \u0111\u1eb7c th\u00f9 v\u1edbi nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng.<\/li>\n
  2. Quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng t\u1ec9nh tr\u1ea1ng ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u01b0\u1eddng x\u1ea3y ra s\u1edbm h\u01a1n so v\u1edbi vi\u1ec7c l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng ph\u00e1 s\u1ea3n doanh nghi\u1ec7p.<\/li>\n<\/ol>\n
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    • \u0110i\u1ec1u 3, Lu\u1eadt Ph\u00e1 s\u1ea3n quy \u0111\u1ecbnh: Doanh nghi\u1ec7p, h\u1ee3p t\u00e1c x\u00e3 l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng ph\u00e1 s\u1ea3n khi \u201ckh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thanh to\u00e1n \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u1ebfn h\u1ea1n khi ch\u1ee7 n\u1ee3 c\u00f3 y\u00eau c\u1ea7u<\/em>\u201d. Trong khi \u0111\u00f3 kho\u1ea3n 2, \u0110i\u1ec1u 92 (\u00c1p d\u1ee5ng ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t), Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy \u0111\u1ecbnh: T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1eb7t v\u00e0o t\u00ecnh tr\u1ea1ng ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p sau \u0111\u00e2y:<\/li>\n
    • \u201cC\u00f3 nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3<\/em>\u201d;<\/li>\n
    • \u201cN\u1ee3 kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i c\u00f3 nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1<\/em>n\u201d;<\/li>\n
    • \u201cKhi s\u1ed1 l\u1ed7 lu\u1ef9 k\u1ebf c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1edbn h\u01a1n 50% t\u1ed5ng s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u1ef1c c\u00f3 v\u00e0 c\u00e1c qu\u1ef9<\/em>\u201d.<\/li>\n
    • Tr\u00ean c\u01a1 s\u1edf quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0110i\u1ec1u 5, Quy ch\u1ebf Ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ed5 ph\u1ea7n Vi\u1ec7t Nam, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 215\/1998\/Q\u0110-NHNN5 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 646\/2002\/Q\u0110-NHNN ng\u00e0y 21-6-2002 v\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1071\/2002\/Q\u0110-NHNN ng\u00e0y 2-10-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) h\u01b0\u1edbng d\u1eabn v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1eb7t v\u00e0o t\u00ecnh tr\u1ea1ng ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t khi x\u1ea3y ra:<\/li>\n
    • \u201cC\u00f3 nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3, \u0111\u01b0\u1ee3c bi\u1ec3u hi\u1ec7n: ba l\u1ea7n trong m\u1ed9t th\u00e1ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o t\u1ef7 l\u1ec7 v\u1ec1 kh\u1ea3 n\u0103ng chi tr\u1ea3 t\u1ed1i thi\u1ec3u b\u1eb1ng 1 gi\u1eefa t\u00e0i s\u1ea3n \u201cC\u00f3\u201d c\u00f3 th\u1ec3 thanh to\u00e1n ngay so v\u1edbi c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n \u201cN\u1ee3\u201d ph\u1ea3i thanh to\u00e1n ngay<\/em>\u201d \u201cC\u00f3 nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, \u0111\u01b0\u1ee3c bi\u1ec3u hi\u1ec7n:<\/em>\n
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      • Li\u00ean t\u1ee5c trong ba th\u00e1ng li\u00ean ti\u1ebfp kh\u00f4ng duy tr\u00ec t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u 8% gi\u1eefa v\u1ed1n t\u1ef1 c\u00f3 so v\u1edbi t\u00e0i s\u1ea3n \u201cC\u00f3\u201d, k\u1ec3 c\u1ea3 c\u00e1c cam k\u1ebft ngo\u1ea1i b\u1ea3ng, \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo m\u1ee9c \u0111\u1ed9 r\u1ee7i ro;<\/em><\/li>\n
      • C\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u (bao g\u1ed3m: c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 ch\u1edd x\u1eed l\u00fd, n\u1ee3 cho vay \u0111\u01b0\u1ee3c khoanh \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n tr\u00ean B\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n h\u00e0ng th\u00e1ng, n\u1ee3 chuy\u1ec3n cho C\u00f4ng ty qu\u1ea3n l\u00fd n\u1ee3 v\u00e0 khai th\u00e1c t\u00e0i s\u1ea3n \u0111\u1ec3 x\u1eed l\u00fd thu h\u1ed3i v\u1ed1n cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ed5 ph\u1ea7n), chi\u1ebfm t\u1eeb 10% tr\u1edf l\u00ean so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 cho vay ho\u1eb7c t\u1eeb 100% t\u1ed5ng v\u1ed1n t\u1ef1 c\u00f3 tr\u1edf l\u00ean<\/em>\u201d.<\/li>\n<\/ul>\n<\/li>\n
      • \u201cS\u1ed1 l\u1ed7 lu\u1ef9 k\u1ebf v\u00e0 s\u1ed1 ti\u1ec1n ch\u01b0a tr\u00edch l\u1eadp \u0111\u1ee7 d\u1ef1 ph\u00f2ng r\u1ee7i ro theo quy \u0111\u1ecbnh, l\u1edbn h\u01a1n 50% t\u1ed5ng v\u1ed1n t\u1ef1 c\u00f3<\/em>\u201d.<\/li>\n
      • Nh\u00ecn chung c\u00e1c d\u1ea5u hi\u1ec7u ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u01b0\u1ee3c s\u1edbm h\u01a1n so v\u1edbi quy \u0111\u1ecbnh l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng ph\u00e1 s\u1ea3n. \u0110i\u1ec1u n\u00e0y c\u0169ng ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 97, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1ec1 m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p k\u1ebft th\u00fac ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t l\u00e0 \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng ph\u00e1 s\u1ea3n<\/em>\u201c. Do \u0111\u00f3, \u0111i\u1ec3m \u0111, kho\u1ea3n 1, \u0110i\u1ec1u 12 c\u1ee7a D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng c\u0103n c\u1ee9 tr\u1ea3 l\u1ea1i \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111\u1eb7t trong t\u00ecnh tr\u1ea1ng ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t ho\u1eb7c c\u00f3 quy\u1ebft \u0111\u1ecbnh \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng thanh to\u00e1n \u0111ang c\u00f2n hi\u1ec7u l\u1ef1c<\/em>\u201d (ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 98, Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng). \u0110i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 14 c\u1ee7a D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng c\u0103n c\u1ee9 \u0111\u1ec3 T\u00f2a \u00e1n ra quy\u1ebft \u0111\u1ecbnh m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n l\u00e0 \u201cNg\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n v\u1ec1 vi\u1ec7c kh\u00f4ng \u00e1p d\u1ee5ng ho\u1eb7c ch\u1ea5m d\u1ee9t \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>\u201d. Do \u0111\u00f3 c\u0169ng c\u1ea7n s\u1eeda \u0111\u1ed5i kho\u1ea3n 3, \u0110i\u1ec1u 15 c\u1ee7a Quy ch\u1ebf Ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ed5 ph\u1ea7n Vi\u1ec7t Nam, n\u00f3i tr\u00ean l\u1ea1i quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng c\u0103n c\u1ee9 \u0111\u1ec3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh ch\u1ea5m d\u1ee9t vi\u1ec7c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ed5 ph\u1ea7n l\u00e0: C\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/li>\n<\/ul>\n
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        1. K\u1ebft h\u1ee3p gi\u1eefa c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ph\u00e1 s\u1ea3n v\u00e0 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec kh\u00f4ng n\u00ean quy \u0111\u1ecbnh nh\u01b0 kho\u1ea3n 3, \u0110i\u1ec1u 7 c\u1ee7a D\u1ef1 th\u1ea3o l\u00e0: \u201cTrong khi th\u1ef1c hi\u1ec7n ch\u1ee9c n\u0103ng, nhi\u1ec7m v\u1ee5, n\u1ebfu nh\u1eadn th\u1ea5y t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng ph\u00e1 s\u1ea3n, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u00e0 c\u00e1c c\u01a1 quan c\u00f3 li\u00ean quan theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u00f3 nhi\u1ec7m v\u1ee5 th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n cho nh\u1eefng ng\u01b0\u1eddi n\u00eau t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u n\u00e0y bi\u1ebft \u0111\u1ec3 h\u1ecd xem x\u00e9t vi\u1ec7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n. C\u01a1 quan th\u00f4ng b\u00e1o ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng b\u00e1o \u0111\u00f3<\/em>\u201d, v\u00ec m\u00e2u thu\u1eabn v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 14 c\u1ee7a D\u1ef1 th\u1ea3o l\u00e0: To\u00e0 \u00e1n ch\u1ec9 ra quy\u1ebft \u0111\u1ecbnh m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n khi \u201cNg\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n v\u1ec1 vi\u1ec7c kh\u00f4ng \u00e1p d\u1ee5ng ho\u1eb7c ch\u00e1m d\u1ee9t \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>\u201d. Quy \u0111\u1ecbnh n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c th\u00f9 c\u01a1 b\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u00ed d\u1ee5, \u0110i\u1ec1u 96, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p 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, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c ho\u1eb7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho vay \u0111\u1eb7c bi\u1ec7t. Kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t n\u00e0y 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 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>.\u201c Nh\u01b0 v\u1eady, theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, vi\u1ec7c ki\u1ebfm so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng s\u1edbm h\u01a1n vi\u1ec7c ph\u00e1 s\u1ea3n, \u0111\u1ed3ng th\u1eddi k\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ph\u00e1 s\u1ea3n, v\u1eabn c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf \u201ccho vay<\/em>\u201c v\u00e0 \u01b0u ti\u00ean \u201cho\u00e0n tr\u1ea3<\/em>\u201c tr\u01b0\u1edbc t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ph\u00e1 s\u1ea3n.<\/li>\n
        2. Sau khi nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n, ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng \u201cC\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, chuy\u1ec3n nh\u01b0\u1ee3ng, b\u00e1n, t\u1eb7ng cho, cho thu\u00ea t\u00e0i s\u1ea3n<\/em>\u201d ph\u1ea3i \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n c\u1ee7a Th\u1ea9m ph\u00e1n tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m a, kho\u1ea3n 2, \u0110i\u1ec1u 16, c\u1ea7n b\u1ed5 sung th\u00eam ho\u1ea1t \u0111\u1ed9ng \u201cb\u1ea3o l\u00e3nh<\/em>\u201d, v\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 ph\u1ed5 bi\u1ebfn v\u00e0 \u0111\u1eb7c th\u00f9 c\u1ee7a ng\u00e2n h\u00e0ng (b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 kh\u00f4ng b\u1eb1ng t\u00e0i s\u1ea3n).<\/li>\n
        3. N\u00ean b\u1ecf nh\u1eefng \u0111i\u1ec1u kho\u1ea3n kh\u00f4ng c\u00f3 n\u1ed9i dung quy \u0111\u1ecbnh, h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 kh\u00e1c so v\u1edbi quy \u0111\u1ecbnh chung c\u1ee7a ph\u00e1p lu\u1eadt ph\u00e1 s\u1ea3n nh\u01b0: \u0110i\u1ec1u 8 (\u0110\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n), \u0110i\u1ec1u 9 (Ph\u00ed ph\u00e1 s\u1ea3n), \u0110i\u1ec1u 10 (Th\u1ee5 l\u00fd \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n),…<\/li>\n
        4. \u0110\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 th\u1ed1ng nh\u1ea5t c\u1ee7a ph\u00e1p lu\u1eadt, b\u1ea3o \u0111\u1ea3m gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng n\u00e0y, sau khi D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh \u0111\u01b0\u1ee3c ban h\u00e0nh, c\u1ea7n ph\u1ea3i s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 5, Quy ch\u1ebf Ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u0110\u1ed3ng th\u1eddi ph\u1ea3i \u0111\u01b0a n\u1ed9i dung c\u1ee5 th\u1ec3 v\u1ec1 ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0o Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7.<\/li>\n<\/ol>\n

          \u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/em><\/p>\n

          B\u00e0i \u0111\u01b0\u1ee3c l\u01b0u \u1edf \u0111\u00e2y:<\/em><\/strong><\/p>\n

          \u0110C:\u00a0<\/em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em>ANVI, t\u1ea7ng 2, T\u00f2a nh\u00e0 Savina, s\u1ed1 1 \u0110inh L\u1ec5, ph\u1ed1 Tr\u00e0ng Ti\u1ec1n, qu\u1eadn Ho\u00e0n Ki\u1ebfm,\u00a0<\/em>HN<\/em><\/p>\n

          FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n

          E-mail: duc.tt\u00a0@anvilaw.com<\/em><\/p>\n

          Web: www.anvilaw.com<\/em><\/p>\n

          \u0110T: 090.345.9070<\/em><\/p>\n

           ","protected":false},"excerpt":{"rendered":"

          (ANVI) – G\u00f3p \u00fd D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh Quy \u0111\u1ecbnh vi\u1ec7c \u00e1p d\u1ee5ng Lu\u1eadt Ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam so\u1ea1n th\u1ea3o) Ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 nhi\u1ec1u n\u00e9t \u0111\u1eb7c th\u00f9 v\u00e0 mang t\u00ednh chuy\u00ean ng\u00e0nh cao, do \u0111\u00f3 v\u1ea5n \u0111\u1ec1 […]<\/p>\n","protected":false},"author":7,"featured_media":5694,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-5693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n92. C\u00f3 s\u1ef1 thi\u1ebfu th\u1ed1ng nh\u1ea5t gi\u1eefa c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ph\u00e1 s\u1ea3n c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. - ANVI Law Firm<\/title>\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\/92-co-su-thieu-thong-nhat-giua-cac-quy-dinh-cua-phap-luat-ve-pha-san-cac-to-chuc-tin-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]92. C\u00f3 s\u1ef1 thi\u1ebfu th\u1ed1ng nh\u1ea5t gi\u1eefa c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ph\u00e1 s\u1ea3n c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. 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