{"id":5696,"date":"2007-07-07T22:06:07","date_gmt":"2007-07-07T15:06:07","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5696"},"modified":"2022-02-07T22:10:49","modified_gmt":"2022-02-07T15:10:49","slug":"93-bao-dong-ve-nhung-dau-bang-phap-ly","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/93-bao-dong-ve-nhung-dau-bang-phap-ly\/","title":{"rendered":"93. B\u00e1o \u0111\u1ed9ng v\u1ec1 nh\u1eefng &#8220;d\u1ea5u b\u1eb1ng ph\u00e1p l\u00fd&#8221;."},"content":{"rendered":"<strong><em>(ANVI) &#8211; Tham lu\u1eadn t\u1ea1i H\u1ed9i ngh\u1ecb Ph\u00e1p ch\u1ebf B\u1ed9, Ng\u00e0nh v\u00e0 Doanh nghi\u1ec7p <\/em><\/strong><strong><em>ng\u00e0y 12-13\/7\/2007 t\u1ea1i S\u1ea7m S\u01a1n:<\/em><\/strong><\/p>\n<p>M\u1eb7c d\u00f9 trong th\u1eddi gian qua, h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh \u0111\u00e3 c\u00f3 nh\u1eefng s\u1ef1 thay \u0111\u1ed5i nhanh ch\u00f3ng v\u00e0 ti\u1ebfn b\u1ed9, tuy nhi\u00ean v\u1eabn c\u00f2n r\u1ea5t nhi\u1ec1u v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang v\u00e0 c\u1ee7a c\u00e1c doanh nghi\u1ec7p n\u00f3i chung. B\u00e0i vi\u1ebft n\u00e0y xin \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 sau:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"text-align: left;\">Ki\u1ebfn ngh\u1ecb sai lu\u1eadt = \u00a0\u00a0\u00a0\u00a0\u00a0 Khuy\u1ebfn kh\u00edch ph\u1ea1m ph\u00e1p\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 tr 1<\/li>\n<li style=\"text-align: left;\">Quy \u0111\u1ecbnh chuy\u00ean ng\u00e0nh =\u00a0 \u00a0 \u00a0Ch\u1eb7t nh\u01b0ng l\u1ea1i tr\u1eadt\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a03<\/li>\n<li style=\"text-align: left;\">T\u01b0 duy h\u00e0nh ch\u00ednh\u00a0 = \u00a0\u00a0\u00a0\u00a0\u00a0 Quy ph\u1ea1m v\u00f4 l\u00fd\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a04<\/li>\n<li style=\"text-align: left;\">Quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 = \u00a0\u00a0\u00a0\u00a0\u00a0 B\u1eaft g\u00ec c\u0169ng ch\u1ecbu\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 7<\/li>\n<li style=\"text-align: left;\">Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn = \u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u1eefng gi\u1ea5y ph\u00e9p con\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 10<\/li>\n<li style=\"text-align: left;\">Ban h\u00e0nh v\u0103n b\u1ea3n = \u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a010<\/li>\n<li style=\"text-align: left;\">Th\u1eddi h\u1ea1n x\u00e1c \u0111\u1ecbnh = \u00a0\u00a0\u00a0\u00a0\u00a0 V\u00f4 t\u1eadn th\u1eddi gian\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 14<\/li>\n<li style=\"text-align: left;\">Ch\u1ec9 m\u1ed9t bi\u1ebfn c\u1ea5m = \u00a0\u00a0\u00a0\u00a0\u00a0 Ch\u1eb7n m\u1ecdi con \u0111\u01b0\u1eddng \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 15<\/li>\n<li style=\"text-align: left;\">T\u1ef1 do giao k\u1ebft = \u00a0\u00a0\u00a0\u00a0\u00a0 Nghi\u00eam c\u1ea5m tho\u1ea3 thu\u1eadn\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a017<\/li>\n<li style=\"text-align: left;\">Ai c\u0169ng l\u00e0m \u0111\u00fang = \u00a0\u00a0\u00a0\u00a0\u00a0 T\u1ea5t c\u1ea3 \u0111\u1ec1u sai\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 18<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>v\u1edbi mong mu\u1ed1n c\u00f9ng nhau n\u00eau l\u00ean m\u1ed9t s\u1ed1 th\u1ef1c tr\u1ea1ng, gi\u1ea3i ph\u00e1p v\u00e0 kinh nghi\u1ec7m gi\u1ea3i quy\u1ebft<\/p>\n<ol>\n<li><strong>Ki\u1ebfn ngh\u1ecb sai lu\u1eadt = Khuy\u1ebfn kh\u00edch ph\u1ea1m ph\u00e1p: <\/strong><\/li>\n<\/ol>\n<p>Ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng r\u1ea5t \u0111\u1eb7c th\u00f9, chuy\u00ean s\u00e2u v\u00e0 nh\u1ea1y c\u1ea3m. Do \u0111\u00f3, ch\u00fang t\u00f4i c\u0169ng b\u1ecb m\u1ed9t h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n \u0111\u1ed3 s\u1ed9, ch\u1eb1ng ch\u1ecbt \u0111i\u1ec1u ch\u1ec9nh. Theo th\u1ed1ng k\u00ea c\u1ee7a Ph\u00f2ng Ph\u00e1p ch\u1ebf Maritime Bank, c\u00f3 kho\u1ea3ng 700 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh tr\u1ef1c ti\u1ebfp quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. \u0110\u00f3 c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1i kh\u00f3 \u0111\u1ed1i v\u1edbi nhi\u1ec1u c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc, c\u01a1 quan ph\u00e1p lu\u1eadt v\u00e0 c\u01a1 quan th\u00f4ng tin \u0111\u1ea1i ch\u00fang khi ti\u1ebfp c\u1eadn c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd ng\u00e2n h\u00e0ng. R\u1ea5t \u0111\u1eb7c bi\u1ec7t khi c\u00f3 h\u1eb3n m\u1ed9t Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 15 ng\u00e0y 10-3-1997 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 B\u1ed9 V\u0103n ho\u00e1 &#8211; Th\u00f4ng tin H\u01b0\u1edbng d\u1eabn th\u00f4ng tin tr\u00ean b\u00e1\u01a1 ch\u00ed v\u1ec1 ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n<p>C\u00f3 t\u1edd b\u00e1o \u0111\u00e3 t\u1eebng l\u00ean ti\u1ebfng ph\u00ea ph\u00e1n Ng\u00e2n h\u00e0ng nh\u01b0 sau: Ng\u01b0\u1eddi d\u00e2n ch\u1ec9 c\u1ea7n vay m\u1ed9t v\u00e0i tr\u0103m tri\u1ec7u, \u0111\u00e3 th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ea5t c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn, nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1eabn kh\u00f4ng ch\u1ecbu cho vay, m\u00e0 c\u00f2n xem x\u00e9t, \u0111\u00f2i h\u1ecfi ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n. Trong khi m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n mang t\u00ednh nguy\u00ean t\u1eafc c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt l\u00e0: Ch\u1ec9 cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng khi c\u00f3 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh \u0111\u1ea3m b\u1ea3o tr\u1ea3 n\u1ee3 v\u00e0 c\u00f3 ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n kh\u1ea3 thi, c\u00f3 hi\u1ec7u qu\u1ea3.<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a> N\u1ebfu ch\u1ea5p nh\u1eadn cho vay d\u1ec5 d\u00e0ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, th\u00ec \u0111\u00f3 l\u00e0 m\u1ed9t ti\u1ec7m c\u1ea7m \u0111\u1ed3 ch\u1ee9 c\u00f2n \u0111\u00e2u l\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng n\u1eefa.<\/p>\n<p>Trong th\u1eddi gian th\u1ecb tr\u01b0\u1eddng giao d\u1ecbch ngo\u1ea1i t\u1ec7 s\u00f4i \u0111\u1ed9ng, B\u00e1o L. (m\u1ed9t nh\u1eadt b\u00e1o r\u1ea5t c\u00f3 uy t\u00edn) \u0111\u00e3 \u0111\u01b0a tin r\u1eb1ng, m\u1ed9t C\u00f4ng ty t\u01b0 nh\u00e2n t\u1ea1i H\u00e0 N\u1ed9i b\u00e1n ra g\u1ea7n m\u1ed9t tri\u1ec7u USD m\u1ed7i ng\u00e0y. Ng\u00e0y 26-6-2007 v\u1eeba qua, B\u00e1o P. (m\u1ed9t t\u1edd b\u00e1o h\u00e0ng \u0111\u1ea7u v\u1ec1 ph\u00e1p lu\u1eadt) \u0111\u00e3 \u0111\u0103ng b\u00e0i ph\u00e0n n\u00e0n v\u1ec1 th\u1ee7 t\u1ee5c b\u00e1n ngo\u1ea1i t\u1ec7 c\u1ee7a Ng\u00e2n h\u00e0ng nhi\u00eau kh\u00ea, trong khi ti\u1ec7m v\u00e0ng t\u01b0 nh\u00e2n lu\u00f4n m\u1edf r\u1ed9ng c\u1eeda v\u00e0 h\u00e2n hoan ch\u00e0o \u0111\u00f3n m\u1ecdi ng\u01b0\u1eddi \u0111\u1ebfn mua b\u00e1n ngo\u1ea1i t\u1ec7, m\u00e0 kh\u00f4ng h\u1ec1 y\u00eau c\u1ea7u Kh\u00e1ch h\u00e0ng ph\u1ea3i l\u00e0m b\u1ea5t c\u1ee9 m\u1ed9t th\u1ee7 t\u1ee5c n\u00e0o. C\u00f2n Ng\u00e2n h\u00e0ng th\u00ec \u0111\u00f2i h\u1ecfi nhi\u1ec1u th\u1ee7 t\u1ee5c ch\u1ec9 v\u00ec c\u0103n c\u1ee9 m\u00e1y m\u00f3c v\u00e0o m\u1ed9t v\u0103n b\u1ea3n quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Vi\u1ebft nh\u01b0 v\u1eady, th\u00ec c\u00f3 kh\u00e1c n\u00e0o tuy\u00ean truy\u1ec1n cho m\u1ecdi ng\u01b0\u1eddi t\u1ef1 do mua b\u00e1n h\u00e0ng qu\u1ed1c c\u1ea5m. V\u00ec theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay, c\u00e1c doanh nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p l\u00e0m \u0111\u1ea1i l\u00fd mua ngo\u1ea1i t\u1ec7 cho c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e9p kinh doanh ngo\u1ea1i h\u1ed1i, tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p b\u00e1n ngo\u1ea1i t\u1ec7 (tr\u1eeb b\u00e0n \u0111\u1ed5i ngo\u1ea1i t\u1ec7 \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u1eb7t t\u1ea1i c\u00e1c c\u1eeda kh\u1ea9u qu\u1ed1c t\u1ebf). Ng\u01b0\u1eddi c\u00f3 ngo\u1ea1i t\u1ec7 c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p gi\u1eef, g\u1eedi ho\u1eb7c b\u00e1n cho ng\u00e2n h\u00e0ng, m\u00e0 c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p mua b\u00e1n, trao \u0111\u1ed5i. Ng\u00e2n h\u00e0ng c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p b\u00e1n ngo\u1ea1i t\u1ec7 cho m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng nh\u1ea5t \u0111\u1ecbnh c\u00f3 nhu c\u1ea7u ch\u00ednh \u0111\u00e1ng, v\u1edbi \u0111i\u1ec1u ki\u1ec7n \u0111\u00e3 \u0111\u01b0\u1ee3c quy d\u1ecbnh c\u1ee5 th\u1ec3, ch\u1eb7t ch\u1ebd. \u0110i\u1ec1u 2, Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i n\u0103m 2005 \u0111\u00e3 quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng ch\u00ednh s\u00e1ch qu\u1ea3n l\u00fd ngo\u1ea1i h\u1ed1i c\u1ee7a Vi\u1ec7t Nam l\u00e0 \u201c<em>th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam ch\u1ec9 s\u1eed d\u1ee5ng \u0111\u1ed3ng Vi\u1ec7t Nam<\/em>\u201d. Nh\u1eefng ki\u1ebfn ngh\u1ecb nh\u01b0 tr\u00ean l\u00e0 gi\u00e1n ti\u1ebfp tuy\u00ean truy\u1ec1n, c\u1ed5 v\u0169 cho ho\u1ea1t \u0111\u1ed9ng v\u00f4 lu\u1eadt l\u1ec7, \u0111i ng\u01b0\u1ee3c l\u1ea1i quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ch\u1ee7 quy\u1ec1n ti\u1ec1n t\u1ec7 qu\u1ed1c gia \u0111ang b\u1ecb v\u00f4 hi\u1ec7u ho\u00e1 tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n<p>Trong kho\u1ea3ng th\u1eddi gian t\u1eeb ng\u00e0y 04-12-1999 (th\u1eddi \u0111i\u1ec3m Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP ng\u00e0y 19-11-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u00f3 hi\u1ec7u l\u1ef1c, theo \u0111\u00f3 \u0111\u00e3 b\u00e3i b\u1ecf \u0110i\u1ec1u 2, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17\/H\u0110BT ng\u00e0y 16-01-1990 c\u1ee7a H\u1ed9i \u0111\u1ed3ng B\u1ed9 tr\u01b0\u1edfng quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u1ec1 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p; ti\u1ebfp theo \u0111\u00f3 l\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110-CP ng\u00e0y 29-12-1999 v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng) cho \u0111\u1ebfn tr\u01b0\u1edbc ng\u00e0y 01-7-2004 (th\u1eddi \u0111i\u1ec3m Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 c\u00f3 hi\u1ec7u l\u1ef1c, theo \u0111\u00f3 \u0111\u00e3 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, r\u1ed3i sau \u0111\u00f3 l\u00e0 Lu\u1eadt Nh\u00e0 \u1edf c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01-7-2006, trong \u0111\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p nh\u00e0 \u1edf). Th\u1ebf nh\u01b0ng m\u1ed9t s\u1ed1 b\u00e1o ch\u00ed chuy\u00ean ng\u00e0nh ph\u00e1p lu\u1eadt nh\u01b0 B\u00e1o K. ng\u00e0y 10-8-2000, B\u00e1o P. ng\u00e0y 13-11-2000 (m\u1ee5c \u201cGi\u1ea3i \u0111\u00e1p ph\u00e1p lu\u1eadt\u201d) v\u00e0 T\u1ea1p ch\u00ed N. s\u1ed1 2-2003 v\u1eabn gi\u1ea3i th\u00edch r\u1eb1ng ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ea5t trong giai \u0111o\u1ea1n n\u00e0y. Tr\u00ean th\u1ef1c t\u1ebf, r\u1ea5t nhi\u1ec1u th\u1ea9m ph\u00e1n v\u00e0 nhi\u1ec1u b\u1ea3n \u00e1n c\u0169ng cho r\u1eb1ng ph\u00e1p lu\u1eadt b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ea5t trong m\u1ecdi th\u1eddi k\u1ef3.\u00a0 V\u00e0 nh\u01b0 v\u1eady, kh\u00f3 tr\u00e1nh kh\u1ecfi c\u00f3 nh\u1eefng b\u1ea3n \u00e1n \u201coan\u201d cho ng\u00e2n h\u00e0ng, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n<p>\u0110\u00f3 l\u00e0 do h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt n\u00f3i chung v\u00e0 ph\u00e1p lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang qu\u00e1 ph\u1ee9c t\u1ea1p v\u00e0 thi\u1ebfu r\u00f5 r\u00e0ng. Ng\u01b0\u1eddi \u201ctrong cu\u1ed9c\u201d th\u00ec bi\u1ebft r\u00f5 \u0111i\u1ec1u \u0111\u00f3, nh\u01b0ng xem l\u1ea1i c\u00e1c v\u0103n b\u1ea3n li\u00ean quan \u0111\u1ebfn qu\u1ea3n l\u00fd ngo\u1ea1i h\u1ed1i, th\u00ec qu\u1ea3 nhi\u00ean kh\u00f4ng r\u00f5. Th\u1eadm ch\u00ed m\u1ed9t s\u1ed1 Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i v\u00e0 Ngh\u1ecb \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn thi h\u00e0nh c\u00f2n quy \u0111\u1ecbnh: \u201c<em>Tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam, t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch thanh to\u00e1n v\u00e0 chuy\u1ec3n ti\u1ec1n \u0111\u1ed1i v\u1edbi giao d\u1ecbch v\u00e3ng lai c\u1ee7a ng\u01b0\u1eddi c\u01b0 tr\u00fa v\u00e0 ng\u01b0\u1eddi kh\u00f4ng c\u01b0 tr\u00fa \u0111\u01b0\u1ee3c t\u1ef1 do th\u1ef1c hi\u1ec7n ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh n\u00e0y v\u00e0 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan\u2026<\/em>\u201d Do \u0111\u00f3, r\u1ea5t c\u1ea7n nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m g\u00ec.<\/p>\n<ol start=\"2\">\n<li><strong>Quy \u0111\u1ecbnh chuy\u00ean ng\u00e0nh = Ch\u1eb7t nh\u01b0ng l\u1ea1i tr\u1eadt: <\/strong><\/li>\n<\/ol>\n<p>Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 15, Quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb, 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\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n, ban h\u00e0nh theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1087\/2001\/Q\u0110-NHNN ng\u00e0y 27-8-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, th\u00ec \u201c<em>Nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea7u gi\u1eef ch\u1ee9c Ch\u1ee7 t\u1ecbch v\u00e0 th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb c\u00f3 tr\u00e1ch nhi\u1ec7m ti\u1ebfp nh\u1eadn v\u00e0 \u0111\u1ea3m nhi\u1ec7m ngay c\u00f4ng vi\u1ec7c c\u1ee7a ch\u1ee9c danh \u0111\u01b0\u1ee3c b\u1ea7u<\/em>\u201d. Th\u1ebf nh\u01b0ng v\u1eeba qua, Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb c\u1ee7a m\u1ed9t Ng\u00e2n h\u00e0ng, m\u1eb7c d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 quy\u1ebft \u0111\u1ecbnh chu\u1ea9n y, nh\u01b0ng khi k\u00fd Th\u00f4ng b\u00e1o thay \u0111\u1ed5i \u0111\u0103ng k\u00fd kinh doanh v\u1ec1 vi\u1ec7c thay \u0111\u1ed5i ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt, th\u00ec v\u1eabn kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn, m\u00e0 c\u01a1 quan \u0111\u0103ng k\u00fd kinh doanh v\u1eabn y\u00eau c\u1ea7u Ch\u1ee7 t\u1ecbch c\u0169 k\u00fd Th\u00f4ng b\u00e1o. Nh\u01b0ng khi Ch\u1ee7 t\u1ecbch c\u0169 kh\u00f4ng c\u00f2n t\u01b0 c\u00e1ch l\u00e0 Ch\u1ee7 t\u1ecbch n\u1eefa, th\u00ec c\u0169ng kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f3ng d\u1ea5u v\u00e0o ch\u1eef k\u00fd v\u00e0 c\u0169ng kh\u00f4ng c\u00f2n t\u01b0 c\u00e1ch \u0111\u1ea1i di\u1ec7n cho ng\u00e2n h\u00e0ng \u0111\u1ec3 k\u00fd v\u0103n b\u1ea3n gi\u1ea5y t\u1edd n\u1eefa.<\/p>\n<p>Ch\u00fang t\u00f4i \u0111\u00e3 \u0111\u01b0a ra gi\u1ea3i ph\u00e1p c\u1ea3 hai ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u0169 v\u00e0 m\u1edbi \u0111\u1ec1u k\u00fd v\u00e0o m\u1ed9t b\u1ea3n th\u00f4ng b\u00e1o. V\u1ea5n \u0111\u1ec1 n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn r\u00f5 h\u01a1n.<\/p>\n<p>Kho\u1ea3n 5, \u0110i\u1ec1u 55 (Nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a T\u1ed5ng gi\u00e1m \u0111\u1ed1c (Gi\u00e1m \u0111\u1ed1c)), 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 \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5: T\u1ed5ng Gi\u00e1m \u0111\u1ed1c 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. \u0110i\u1ec1u l\u1ec7 m\u1eabu v\u00e0 \u0110i\u1ec1u l\u1ec7 c\u1ee7a m\u1ecdi ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n \u0111\u00e3 \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chu\u1ea9n y c\u0169ng quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1. Th\u1ebf nh\u01b0ng b\u00ean c\u1ea1nh vi\u1ec7c \u0111a s\u1ed1 c\u00e1c To\u00e0 \u00e1n ch\u1ea5p nh\u1eadn vi\u1ec7c kh\u1edfi ki\u1ec7n c\u1ee7a T\u1ed5ng Gi\u00e1m \u0111\u1ed1c, th\u00ec l\u1ea1i c\u00f3 m\u1ed9t s\u1ed1 To\u00e0 \u00e1n ch\u1ec9 ch\u1ea5p nh\u1eadn vi\u1ec7c kh\u1edfi ki\u1ec7n c\u1ee7a Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb v\u1edbi l\u00fd do: Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng l\u1ea1i ghi ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt l\u00e0 Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb (c\u0169ng l\u00e0 theo quy \u0111\u1ecbnh t\u1ea1i c\u00e1c v\u0103n b\u1ea3n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc). Ch\u00fang t\u00f4i s\u1ee3 r\u1eb1ng, v\u00e0i n\u0103m sau khi \u0111\u00e3 x\u1eed s\u01a1 th\u1ea9m, ph\u00fac th\u1ea9m, m\u1ed9t ng\u00e0y n\u00e0o \u0111\u00f3, nh\u1eefng b\u1ea3n \u00e1n tr\u00ean r\u1ea5t c\u00f3 th\u1ec3 b\u1ecb gi\u00e1m \u0111\u1ed1c th\u1ea9m v\u00ec m\u1ed9t l\u00fd do r\u1ea5t \u0111\u01a1n gi\u1ea3n: Ng\u01b0\u1eddi kh\u1edfi ki\u1ec7n kh\u00f4ng \u0111\u00fang th\u1ea9m quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<p>Ch\u00fang t\u00f4i \u0111ang ph\u1ea3i \u0111\u1ed1i ph\u00f3 b\u1eb1ng c\u00e1ch l\u00e0m v\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n c\u1ee7a c\u1ea3 Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb v\u00e0 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y c\u1ea7n c\u00f3 s\u1ef1 h\u01b0\u1edbng d\u1eabn c\u1ee7a To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao!<\/p>\n<p>\u0110i\u1ec3m c, kho\u1ea3n 1, \u0110i\u1ec1u 8 (K\u00fd ch\u1ee9ng t\u1eeb k\u1ebf to\u00e1n ng\u00e2n h\u00e0ng), Ch\u1ebf \u0111\u1ed9 ch\u1ee9ng t\u1eeb k\u1ebf to\u00e1n ng\u00e2n h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1789\/2005\/Q\u0110-NHNN ng\u00e0y 12-12-2005 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam quy \u0111\u1ecbnh: \u201c<em>\u0110\u1ed1i v\u1edbi ch\u1ee9ng t\u1eeb giao d\u1ecbch v\u1edbi ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c l\u1eadp b\u1edfi kh\u00e1ch h\u00e0ng l\u00e0 nh\u1eefng \u0111\u01a1n v\u1ecb, t\u1ed5 ch\u1ee9c ph\u1ea3i b\u1ed1 tr\u00ed k\u1ebf to\u00e1n tr\u01b0\u1edfng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt th\u00ec tr\u00ean ch\u1ee9ng t\u1eeb b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 \u0111\u1ee7 ch\u1eef k\u00fd c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n, k\u1ebf to\u00e1n tr\u01b0\u1edfng ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n k\u00fd thay v\u00e0 d\u1ea5u \u0111\u01a1n v\u1ecb (n\u1ebfu l\u00e0 ch\u1ee9ng t\u1eeb b\u1eb1ng gi\u1ea5y)<\/em>\u201d. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, m\u1ed9t s\u1ed1 doanh nghi\u1ec7p kh\u00f4ng \u0111\u0103ng k\u00fd ch\u1eef k\u00fd c\u1ee7a k\u1ebf to\u00e1n tr\u01b0\u1edfng trong giao d\u1ecbch t\u00e0i kho\u1ea3n v\u1edbi ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y c\u0169ng \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh: Khi m\u1edf t\u00e0i kho\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c, n\u1ebfu t\u1ed5 ch\u1ee9c c\u00f3 y\u00eau c\u1ea7u th\u00ec m\u1edbi c\u00f3 m\u1eabu ch\u1eef k\u00fd c\u1ee7a k\u1ebf to\u00e1n tr\u01b0\u1edfng t\u1ea1i \u0111i\u1ec3m \u0111, kho\u1ea3n 1, \u0110i\u1ec1u 5 (Gi\u1ea5y \u0111\u1ec1 ngh\u1ecb m\u1edf t\u00e0i kho\u1ea3n), Quy ch\u1ebf M\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN ng\u00e0y 21-1-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. V\u1eady, n\u1ebfu ng\u00e2n h\u00e0ng t\u1eeb ch\u1ed1i giao d\u1ecbch v\u1edbi doanh nghi\u1ec7p kh\u00f4ng c\u00f3 ch\u1eef k\u00fd c\u1ee7a k\u1ebf to\u00e1n tr\u01b0\u1edfng th\u00ec tr\u00e1i v\u1edbi Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN v\u00e0 tho\u1ea3 thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng. N\u1ebfu kh\u00f4ng t\u1eeb ch\u1ed1i th\u00ec l\u1ea1i sai v\u1edbi 1789\/2005\/Q\u0110-NHNN n\u00f3i tr\u00ean c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Nh\u01b0 v\u1eady, c\u0169ng kh\u00f4ng bi\u1ebft ph\u1ea3i x\u1eed l\u00fd th\u1ebf n\u00e0o.<\/p>\n<p>Tuy Lu\u1eadt K\u1ebf to\u00e1n n\u0103m 2003 c\u00f3 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c doanh nghi\u1ec7p \u201cph\u1ea3i b\u1ed1 tr\u00ed ng\u01b0\u1eddi l\u00e0m k\u1ebf to\u00e1n tr\u01b0\u1edfng\u201d (\u0110i\u1ec1u 2, \u0110i\u1ec1u 48) nh\u01b0ng l\u1ea1i ch\u1ec9 quy \u0111\u1ecbnh k\u1ebf to\u00e1n tr\u01b0\u1edfng b\u1eaft bu\u1ed9c ph\u1ea3i k\u00fd \u201cCh\u1ee9ng t\u1eeb k\u1ebf to\u00e1n chi ti\u1ec1n\u201d (kho\u1ea3n 8, \u0110i\u1ec1u 14) ch\u1ee9 kh\u00f4ng b\u1eaft bu\u1ed9c k\u00fd t\u1ea5t c\u1ea3 c\u00e1c ch\u1ee9ng t\u1eeb k\u1ebf to\u00e1n giao d\u1ecbch v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n<p>Th\u1ebf l\u00e0, ng\u00e2n h\u00e0ng n\u00e0o y\u00eau c\u1ea7u doanh nghi\u1ec7p ph\u1ea3i c\u00f3 ch\u1eef k\u00fd c\u1ee7a k\u1ebf to\u00e1n Tr\u01b0\u1edfng\u00a0 th\u00ec b\u1ecb Kh\u00e1ch h\u00e0ng ph\u1ea3n \u1ee9ng v\u00e0 ch\u1ea1y sang ng\u00e2n h\u00e0ng kh\u00e1c. \u0110\u1ec1 ngh\u1ecb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc h\u01b0\u1edbng d\u1eabn th\u1ed1ng nh\u1ea5t v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y gi\u1eefa quy \u0111\u1ecbnh v\u1ec1 m\u1edf t\u00e0i kho\u1ea3n v\u00e0 k\u00fd ch\u1ee9ng t\u1eeb giao d\u1ecbch ng\u00e2n h\u00e0ng.<\/p>\n<ol start=\"3\">\n<li><strong>T\u01b0 duy h\u00e0nh ch\u00ednh = Quy ph\u1ea1m v\u00f4 l\u00fd:<\/strong><\/li>\n<\/ol>\n<p>Kho\u1ea3n 2, \u0110i\u1ec1u 110, Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 quy \u0111\u1ecbnh: T\u1ed5 ch\u1ee9c kinh t\u1ebf ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u201c<strong><em>\u0111\u1ec3 vay v\u1ed1n<\/em><\/strong>\u201d; kho\u1ea3n 7, \u0110i\u1ec1u 113 c\u0169ng quy \u0111\u1ecbnh: H\u1ed9 gia \u0111\u00ecnh v\u00e0 c\u00e1 nh\u00e2n ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, t\u1ed5 ch\u1ee9c kinh t\u1ebf ho\u1eb7c c\u00e1 nh\u00e2n \u201c<strong><em>\u0111\u1ec3 vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh<\/em><\/strong>\u201d. \u0110\u00f3 l\u00e0 nh\u1eefng quy \u0111\u1ecbnh v\u00f4 l\u00fd k\u00e9o d\u00e0i t\u1eeb Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 1993. Tuy nhi\u00ean, sai l\u1ea7m t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda ch\u1eefa b\u1eb1ng \u0110i\u1ec1u 730 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 quy \u0111\u1ecbnh v\u1ec1 Th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t nh\u01b0 sau: \u201c<em>H\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng \u0111\u1ea5t \u1edf do nhu c\u1ea7u s\u1ea3n xu\u1ea5t v\u00e0 \u0111\u1eddi s\u1ed1ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf, c\u00e1 nh\u00e2n Vi\u1ec7t Nam \u1edf trong n\u01b0\u1edbc<\/em>\u201d. R\u1ea5t \u0111\u00e1ng ti\u1ebfc l\u00e0, c\u00e1c Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung sau \u0111\u00f3 c\u0169ng nh\u01b0 Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 l\u1ea1i v\u1eabn gi\u1eef nguy\u00ean quy \u0111\u1ecbnh b\u1ea5t h\u1ee3p l\u00fd n\u00f3i tr\u00ean (B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn n\u1ed9i dung n\u00e0y). \u0110i\u1ec1u 111, Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 c\u00f2n quy \u0111\u1ecbnh: Ch\u1ec9 cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u00ecnh g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t thu\u00ea \u201c<em>t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam \u0111\u1ec3 <strong>vay v\u1ed1n<\/strong> s\u1ea3n xu\u1ea5t, kinh doanh<\/em>\u201d. Nh\u01b0 v\u1eady, m\u1eb7c d\u00f9 t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c th\u00ec c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p \u0111\u1ec3 l\u00e0m vi\u1ec7c kh\u00e1c ngo\u00e0i \u201cvay v\u1ed1n\u201d, ch\u1eb3ng h\u1ea1n th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 cho c\u00e1c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, \u0111\u1ea7u t\u01b0, x\u00e2y d\u1ef1ng. C\u00f2n \u0111\u1ed1i v\u1edbi quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a h\u1ed9 gia \u0111\u00ecnh v\u00e0 c\u00e1 nh\u00e2n th\u00ec c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u201c<em>vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh<\/em>\u201d, m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, k\u1ec3 c\u1ea3 vay v\u1ed1n \u0111\u1ec3 h\u1ecdc t\u1eadp, x\u00e2y nh\u00e0 \u1edf hay tr\u1ecb b\u1ec7nh c\u1ee9u ng\u01b0\u1eddi. N\u1ebfu th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u0111\u1ec3 s\u1eed d\u1ee5ng cho nh\u1eefng m\u1ee5c \u0111\u00edch vay v\u1ed1n n\u00e0y, th\u00ec c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1ecb v\u00f4 hi\u1ec7u.<\/p>\n<p>C\u00e1c ng\u00e2n h\u00e0ng mu\u1ed1n nh\u1eadn th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, \u0111\u00e0nh ph\u1ea3i mang \u0111\u1ebfn tr\u1ed3ng m\u1ed9t v\u00e0i c\u00e2y chu\u1ed1i, c\u00e2y c\u1ecd nho nh\u1ecf \u0111\u1ec3 nh\u1eadn th\u1ebf ch\u1ea5p k\u00e8m theo quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t cho \u0111\u00fang lu\u1eadt. Do v\u1eady, c\u1ea7n s\u1eeda \u0111\u1ed5i n\u1ed9i dung n\u00e0y c\u1ee7a Lu\u1eadt \u0110\u1ea5t \u0111ai c\u00f9ng v\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh b\u1ea5t h\u1ee3p l\u00fd kh\u00e1c. V\u00ed d\u1ee5 c\u1ea7n quy \u0111\u1ecbnh r\u00f5, kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ea5t thu\u00ea, tr\u1eeb m\u1ed9t v\u00e0i tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, tr\u00e1nh t\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ee5ng \u0111\u1ea5t th\u1eafc m\u1eafc v\u00ec kh\u00f4ng h\u1ec1 th\u1ea5y lu\u1eadt c\u1ea5m nh\u01b0ng l\u1ea1i bu\u1ed9c ph\u1ea3i hi\u1ec3u l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c.<\/p>\n<p>Nh\u1eefng ng\u01b0\u1eddi so\u1ea1n th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 110\/N\u0110-CP ng\u00e0y 08-4-2004 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 C\u00f4ng t\u00e1c v\u0103n th\u01b0, b\u1eaft m\u1ecdi v\u0103n b\u1ea3n c\u1ee7a doanh nghi\u1ec7p c\u0169ng ph\u1ea3i tu\u00e2n theo h\u00ecnh th\u1ee9c nh\u01b0 \u0111\u1ed1i v\u1edbi m\u1ed9t t\u1ed5 ch\u1ee9c c\u1ee7a ch\u00ednh ph\u1ee7. Theo \u0110i\u1ec1u 4 (H\u00ecnh th\u1ee9c v\u0103n b\u1ea3n) c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y, c\u00e1c c\u01a1 quan, t\u1ed5 ch\u1ee9c c\u00f3 4 lo\u1ea1i v\u1ea3n b\u1ea3n bao g\u1ed3m: V\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, V\u0103n b\u1ea3n h\u00e0nh ch\u00ednh, V\u0103n b\u1ea3n chuy\u00ean ng\u00e0nh (do B\u1ed9 tr\u01b0\u1edfng, Th\u1ee7 tr\u01b0\u1edfng c\u01a1 quan qu\u1ea3n l\u00fd ng\u00e0nh quy \u0111\u1ecbnh sau khi tho\u1ea3 thu\u1eadn th\u1ed1ng nh\u1ea5t v\u1edbi B\u1ed9 tr\u01b0\u1edfng B\u1ed9 N\u1ed9i v\u1ee5) v\u00e0 V\u0103n b\u1ea3n c\u1ee7a t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb, t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb &#8211; x\u00e3 h\u1ed9i. Theo \u0110i\u1ec1u 5 (Th\u1ec3 th\u1ee9c v\u0103n b\u1ea3n) c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y, th\u00ec t\u1ea5t c\u1ea3 v\u0103n b\u1ea3n c\u1ee7a doanh nghi\u1ec7p t\u01b0 nh\u00e2n (d\u00e2n doanh) \u0111\u1ec1u thu\u1ed9c lo\u1ea1i \u201cv\u0103n b\u1ea3n h\u00e0nh ch\u00ednh\u201d, do \u0111\u00f3 \u0111\u1ec1u ph\u1ea3i tr\u00ecnh b\u00e0y qu\u1ed1c hi\u1ec7u \u201cC\u1ed9ng ho\u00e0 X\u00e3 h\u1ed9i Ch\u1ee7 ngh\u0129a Vi\u1ec7t Nam\u201d. Nh\u01b0 v\u1eady, n\u1ebfu c\u1ee9 theo \u0111\u00fang quy \u0111\u1ecbnh n\u00e0y, th\u00ec doanh nghi\u1ec7p kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng l\u00f4-g\u00f4 (bi\u1ec3u t\u01b0\u1ee3ng), \u0111\u1ecba ch\u1ec9 c\u1ee7a m\u00ecnh \u0111\u1ec3 tr\u00ecnh b\u00e0y tr\u00ean \u0111\u1ea7u v\u0103n b\u1ea3n. \u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh \u0111i\u1ec3n h\u00ecnh v\u1ec1 t\u01b0 duy h\u00e0nh ch\u00ednh ho\u00e1 quan h\u1ec7 d\u00e2n s\u1ef1, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi v\u0103n b\u1ea3n giao d\u1ecbch th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c t\u1ebf. Tr\u00ean th\u1ef1c t\u1ebf, c\u00f3 c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc ch\u1ea5p nh\u1eadn, c\u00f3 c\u01a1 quan \u0111\u00e3 kh\u00f4ng ch\u1ea5p nh\u1eadn v\u0103n b\u1ea3n c\u1ee7a doanh nghi\u1ec7p kh\u00f4ng ghi Qu\u1ed1c hi\u1ec7u. Th\u1ebf l\u00e0 c\u00f3 m\u1ed9t s\u1ed1 doanh nghi\u1ec7p \u0111\u00e0nh ghi bi\u1ec3u t\u01b0\u1ee3ng, \u0111\u1ecba ch\u1ec9, \u0111i\u1ec7n tho\u1ea1i c\u1ee7a m\u00ecnh \u1edf tr\u00ean, r\u1ed3i \u0111\u1ec3 d\u00f2ng \u201cC\u1ed9ng ho\u00e0 X\u00e3 h\u1ed9i Ch\u1ee7 ngh\u0129a Vi\u1ec7t Nam\u201d \u1edf d\u01b0\u1edbi. S\u1ef1 x\u00fac ph\u1ea1m \u0111\u1ebfn Qu\u1ed1c hi\u1ec7u nh\u01b0 v\u1eady th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n<p>\u0110o\u1ea1n 2, \u0110i\u1ec1u 6, B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng n\u0103m 1994 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2001, 2006 v\u00e0 2007) quy \u0111\u1ecbnh: \u201c<em>Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng l\u00e0 doanh nghi\u1ec7p, c\u01a1 quan, t\u1ed5 ch\u1ee9c ho\u1eb7c c\u00e1 nh\u00e2n\u2026<\/em>\u201d. \u00a0N\u1ebfu ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng l\u00e0 doanh nghi\u1ec7p, th\u00ec \u0111\u1ea1i di\u1ec7n \u0111\u01b0\u01a1ng nhi\u00ean c\u1ee7a doanh nghi\u1ec7p ph\u1ea3i l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 v\u00e0 2005 c\u0169ng nh\u01b0 Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 1999 v\u00e0 2005. \u0110\u00f3 c\u00f3 th\u1ec3 l\u00e0 Ch\u1ee7 t\u1ecbch ho\u1eb7c Gi\u00e1m \u0111\u1ed1c theo quy \u0111\u1ecbnh c\u1ee7a \u0111i\u1ec1u l\u1ec7 c\u00f4ng ty. Ri\u00eang \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p t\u01b0 nh\u00e2n th\u00ec ng\u01b0\u1eddi \u0111\u00f3 lu\u00f4n lu\u00f4n l\u00e0 ch\u1ee7 doanh nghi\u1ec7p. Th\u1ebf nh\u01b0ng, kho\u1ea3n 2, \u0110i\u1ec1u 45, B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng l\u1ea1i quy \u0111\u1ecbnh: \u201c<em>\u0110\u1ea1i di\u1ec7n k\u00fd k\u1ebft c\u1ee7a b\u00ean ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng l\u00e0 Gi\u00e1m \u0111\u1ed1c doanh nghi\u1ec7p ho\u1eb7c ng\u01b0\u1eddi c\u00f3 gi\u1ea5y u\u1ef7 quy\u1ec1n c\u1ee7a Gi\u00e1m \u0111\u1ed1c doanh nghi\u1ec7p<\/em>\u201d. \u0110i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 45, B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng v\u00e0 \u0111i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 45 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 196-CP ng\u00e0y 31-12-1994 c\u1ee7a Ch\u00ednh ph\u1ee7 Quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng v\u1ec1 Tho\u1ea3 \u01b0\u1edbc lao \u0111\u1ed9ng t\u1eadp th\u1ec3 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 93\/2002\/N\u0110-CP ng\u00e0y 11-11-2002) c\u0169ng l\u1ea1i quy \u0111\u1ecbnh: \u0110\u1ea1i di\u1ec7n th\u01b0\u01a1ng l\u01b0\u1ee3ng tho\u1ea3 \u01b0\u1edbc t\u1eadp th\u1ec3 c\u1ee7a B\u00ean ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng l\u00e0<em> \u201cGi\u00e1m \u0111\u1ed1c doanh nghi\u1ec7p ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n theo \u0111i\u1ec1u l\u1ec7 t\u1ed5 ch\u1ee9c doanh nghi\u1ec7p ho\u1eb7c c\u00f3 gi\u1ea5y \u1ee7y quy\u1ec1n c\u1ee7a Gi\u00e1m \u0111\u1ed1c doanh nghi\u1ec7p<\/em>.\u201d \u0110i\u1ec3m 1, M\u1ee5c II (Giao k\u1ebft, thay \u0111\u1ed5i n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng), Th\u00f4ng t\u01b0 s\u1ed1 21\/2003\/TT-BL\u0110TBXH ng\u00e0y 22-9-2003 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 Lao \u0111\u1ed9ng, Th\u01b0\u01a1ng binh v\u00e0 X\u00e3 h\u1ed9i H\u01b0\u1edbng d\u1eabn thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 44\/2003\/N\u0110-CP ng\u00e0y 09-5-2003 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 H\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng th\u00ec h\u01b0\u1edbng d\u1eabn: Ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n giao k\u1ebft h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng theo \u0110i\u1ec1u 5 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 44\/2003\/N\u0110-CP \u201c<em>\u0110\u1ed1i v\u1edbi doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt Doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc, Lu\u1eadt Doanh nghi\u1ec7p, Lu\u1eadt Doanh nghi\u1ec7p c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vi\u1ec7t Nam l\u00e0 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c ho\u1eb7c Gi\u00e1m \u0111\u1ed1c doanh nghi\u1ec7p<\/em>\u201d. R\u00f5 r\u00e0ng \u0111\u00e2y l\u00e0 m\u1ed9t quy \u0111\u1ecbnh nh\u1ea7m l\u1eabn theo ki\u1ec3u b\u00ea nguy\u00ean si kh\u00e1i ni\u1ec7m qu\u1ea3n l\u00fd t\u1eeb doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc \u00e1p sang doanh nghi\u1ec7p kh\u00e1c. Quy \u0111\u1ecbnh nh\u01b0 v\u1eady, \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c t\u01b0\u1edbc \u0111o\u1ea1t m\u1ed9t trong nh\u1eefng quy\u1ec1n ph\u00e1p l\u00fd quan tr\u1ecdng nh\u1ea5t c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a doanh nghi\u1ec7p. \u0110i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng, ng\u01b0\u1eddi lao \u0111\u1ed9ng kh\u00f4ng \u0111\u01b0\u1ee3c k\u00fd h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng v\u00e0 t\u1eadp th\u1ec3 ng\u01b0\u1eddi lao \u0111\u1ed9ng kh\u00f4ng \u0111\u01b0\u1ee3c k\u00fd Tho\u1ea3 \u01b0\u1edbc lao \u0111\u1ed9ng v\u1edbi ch\u1ee7 doanh nghi\u1ec7p ho\u1eb7c v\u1edbi ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt c\u1ee7a doanh nghi\u1ec7p, m\u00e0 c\u00f3 th\u1ec3 ch\u1ec9 \u0111\u01b0\u1ee3c k\u00fd v\u1edbi m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng c\u0169ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0m c\u00f4ng \u0103n l\u01b0\u01a1ng nh\u01b0 h\u1ecd (kh\u00f4ng c\u1ea7n c\u00f3 u\u1ef7 quy\u1ec1n c\u1ee7a ch\u1ee7 doanh nghi\u1ec7p ho\u1eb7c ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a doanh nghi\u1ec7p).<\/p>\n<p>Nh\u1eefng quy \u0111\u1ecbnh theo ki\u1ec3u t\u01b0 duy qu\u1ea3n l\u00fd h\u00e0nh ch\u00ednh Nh\u00e0 n\u01b0\u1edbc nh\u01b0 v\u1eady c\u00f2n kh\u00f4ng \u00edt trong c\u00e1c v\u0103n b\u1ea3n v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p, v\u00ed d\u1ee5 nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 kh\u1ed1ng ch\u1ebf l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n.<\/p>\n<p>\u0110\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3 k\u00fd h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng nh\u01b0 tr\u00ean, Ng\u00e2n h\u00e0ng ch\u00fang t\u00f4i bu\u1ed9c ph\u1ea3i t\u1ea1o th\u00eam m\u1ed9t v\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n c\u1ee7a Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb cho T\u1ed5ng Gi\u00e1m \u0111\u1ed1c k\u00fd h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng. Ri\u00eang Tho\u1ea3 \u01b0\u1edbc lao \u0111\u1ed9ng, th\u00ec bu\u1ed9c ph\u1ea3i th\u1ef1c hi\u1ec7n kh\u00e1c Lu\u1eadt, \u0111\u00f3 l\u00e0 kh\u00f4ng th\u1ec3 d\u00e0nh quy\u1ec1n cho T\u1ed5ng Gi\u00e1m \u0111\u1ed1c k\u00fd Tho\u1ea3 \u01b0\u1edbc.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<ol start=\"4\">\n<li><strong>Quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 = B\u1eaft g\u00ec c\u0169ng ch\u1ecbu: <\/strong><\/li>\n<\/ol>\n<p>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c u\u1ef7 quy\u1ec1n b\u1eb1ng v\u0103n b\u1ea3n, nh\u01b0ng kh\u00f4ng quy \u0111\u1ecbnh t\u00ean g\u1ecdi c\u1ee7a v\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 g\u00ec, tr\u1eeb kh\u00e1i ni\u1ec7m \u201cH\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n\u201d. Trong th\u1ef1c t\u1ebf Ng\u00e2n h\u00e0ng ch\u00fang t\u00f4i \u0111\u00e3 b\u1ecb m\u1ed9t c\u01a1 quan ph\u00e1p lu\u1eadt tr\u1ea3 l\u1ea1i gi\u1ea5y u\u1ef7 quy\u1ec1n v\u1edbi y\u00eau c\u1ea7u l\u00e0 ph\u1ea3i ghi t\u00ean \u201cV\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n\u201d thay v\u00ec ghi l\u00e0 \u201cQuy\u1ebft \u0111\u1ecbnh u\u1ef7 quy\u1ec1n\u201d (c\u00f2n n\u1ed9i dung v\u00e0 h\u00ecnh th\u1ee9c kh\u00e1c th\u00ec gi\u1eef nguy\u00ean).<\/p>\n<p>C\u0169ng v\u1eabn chuy\u1ec7n u\u1ef7 quy\u1ec1n, b\u00ean c\u1ea1nh h\u1ea7u h\u1ebft c\u00e1c Ph\u00f2ng C\u00f4ng ch\u1ee9ng ch\u1ea5p nh\u1eadn vi\u1ec7c u\u1ef7 quy\u1ec1n c\u1ee7a Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb cho c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, th\u00ec m\u1ed9t s\u1ed1 Ph\u00f2ng C\u00f4ng ch\u1ee9ng (v\u00ed d\u1ee5 t\u1ea1i TP H\u1ed3 Ch\u00ed Minh) l\u1ea1i ch\u1ec9 ch\u1ea5p nh\u1eadn vi\u1ec7c u\u1ef7 quy\u1ec1n cho c\u00e1n b\u1ed9 t\u1eeb ph\u00f3 tr\u01b0\u1edfng ph\u00f2ng tr\u1edf l\u00ean. L\u00fd do kh\u00f4ng ch\u1ea5p nh\u1eadn u\u1ef7 quy\u1ec1n l\u00e0 v\u00ec, \u0111i\u1ec3m 2.2, ph\u1ea7n III, Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 07\/2002\/TTLT-BCA-BTCCBCP ng\u00e0y 06-5-2002 v\u1ec1 vi\u1ec7c h\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 58\/2001\/N\u0110-CP ng\u00e0y 24-8-2001 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng con d\u1ea5u c\u1ee7a B\u1ed9 C\u00f4ng an &#8211; Ban T\u1ed5 ch\u1ee9c &#8211; C\u00e1n b\u1ed9 c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u00e3 vi\u1ebft: \u201c<em>Con d\u1ea5u ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u00f3ng l\u00ean c\u00e1c v\u0103n b\u1ea3n, gi\u1ea5y t\u1edd sau khi c\u00e1c v\u0103n b\u1ea3n, gi\u1ea5y t\u1edd \u0111\u00f3 \u0111\u00e3 c\u00f3 ch\u1eef k\u00fd c\u1ee7a c\u1ea5p c\u00f3 th\u1ea9m quy\u1ec1n g\u1ed3m: c\u1ea5p tr\u01b0\u1edfng, c\u1ea5p ph\u00f3 ho\u1eb7c c\u1ea5p d\u01b0\u1edbi tr\u1ef1c ti\u1ebfp \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n c\u1ee7a c\u01a1 quan, t\u1ed5 ch\u1ee9c \u0111\u00f3<\/em>\u201d. Quy \u0111\u1ecbnh n\u00e0y ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc, ch\u1ee9 kh\u00f4ng \u0111\u00fang v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf v\u00e0 h\u1ea1n ch\u1ebf quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p, trong khi ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 kh\u00f4ng gi\u1edbi h\u1ea1n ph\u1ea1m vi u\u1ef7 quy\u1ec1n.<\/p>\n<p>Theo ch\u00fang t\u00f4i, n\u1ebfu ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt c\u1ee7a doanh nghi\u1ec7p \u0111\u1ed3ng \u00fd, th\u00ec vi\u1ec7c \u0111\u00f3ng d\u1ea5u v\u00e0 ch\u1eef k\u00fd c\u1ee7a ng\u01b0\u1eddi kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1n b\u1ed9 qu\u1ea3n l\u00fd v\u1eabn h\u1ee3p l\u00fd. Con d\u1ea5u c\u1ee7a doanh nghi\u1ec7p trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00f3ng v\u00e0o ch\u1eef k\u00fd c\u1ee7a ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n trong gi\u1ea5y u\u1ef7 quy\u1ec1n theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Vi\u1ec7c \u0111\u00f3ng hay kh\u00f4ng \u0111\u00f3ng th\u00eam con d\u1ea5u n\u1eefa (nh\u1ea5t l\u00e0 d\u1ea5u c\u1ee7a Chi nh\u00e1nh ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u1ee7a ph\u00e1p nh\u00e2n) v\u00e0o ch\u1eef k\u00fd c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n c\u0169ng kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd quy\u1ebft \u0111\u1ecbnh.<\/p>\n<p>\u0110i\u1ec1u 1, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 58\/2001\/N\u0110-CP ng\u00e0y 24-8-2001 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng con d\u1ea5u \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5: \u201c<em>Con d\u1ea5u th\u1ec3 hi\u1ec7n v\u1ecb tr\u00ed ph\u00e1p l\u00fd v\u00e0 kh\u1eb3ng \u0111\u1ecbnh gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi c\u00e1c v\u0103n b\u1ea3n, gi\u1ea5y t\u1edd c\u1ee7a c\u00e1c c\u01a1 quan, t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1c ch\u1ee9c danh nh\u00e0 n\u01b0\u1edbc<\/em>\u201d. Nh\u01b0ng vi\u1ec7c \u0111\u00f3ng d\u1ea5u v\u00e0o ch\u1eef k\u00fd g\u1ed1c v\u00e0 ch\u1eef k\u00fd ph\u00f4 t\u00f4, ch\u1eef k\u00fd \u0111\u00f3ng d\u1ea5u th\u00ec l\u1ea1i ch\u01b0a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5. V\u00ec v\u1eady, n\u01a1i n\u00e0y, l\u00fac n\u00e0y ch\u1ea5p nh\u1eadn, n\u01a1i kh\u00e1c, l\u00fac kh\u00e1c l\u1ea1i kh\u00f4ng ch\u1ea5p nh\u1eadn v\u0103n b\u1ea3n \u0111\u00f3ng d\u1ea5u v\u00e0o ch\u1eef k\u00fd ph\u00f4 t\u00f4.<\/p>\n<p>\u0110\u1ec1 ngh\u1ecb B\u1ed9 T\u01b0 ph\u00e1p h\u01b0\u1edbng d\u1eabn c\u00e1c Ph\u00f2ng c\u00f4ng ch\u1ee9ng th\u1ef1c hi\u1ec7n th\u1ed1ng nh\u1ea5t v\u1ec1 th\u1ee7 t\u1ee5c n\u00f3i tr\u00ean v\u00e0 B\u1ed9 C\u00f4ng an h\u01b0\u1edbng d\u1eabn v\u1ec1 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd c\u1ee7a v\u0103n b\u1ea3n \u0111\u00f3ng d\u1ea5u tr\u00ean ch\u1eef k\u00fd ph\u00f4 t\u00f4.<\/p>\n<p>\u0110o\u1ea1n 2, kho\u1ea3n 3, \u0110i\u1ec1u 29 (\u0110\u0103ng k\u00fd thay \u0111\u1ed5i ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a c\u00f4ng ty tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n, c\u00f4ng ty c\u1ed5 ph\u1ea7n) Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 88\/2006\/N\u0110-CP ng\u00e0y 29-8-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u0111\u0103ng k\u00fd kinh doanh quy \u0111\u1ecbnh v\u1ec1 tr\u01b0\u1eddng h\u1ee3p thay \u0111\u1ed5i ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a c\u00f4ng ty c\u1ed5 ph\u1ea7n, th\u00ec h\u1ed3 s\u01a1 ph\u1ea3i g\u1eedi k\u00e8m theo Th\u00f4ng b\u00e1o thay \u0111\u1ed5i n\u1ed9i dung \u0111\u0103ng k\u00fd kinh doanh \u201c<em>K\u00e8m theo th\u00f4ng b\u00e1o ph\u1ea3i c\u00f3 quy\u1ebft \u0111\u1ecbnh b\u1eb1ng v\u0103n b\u1ea3n v\u00e0 b\u1ea3n sao bi\u00ean b\u1ea3n h\u1ecdp c\u1ee7a H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean \u0111\u1ed1i v\u1edbi c\u00f4ng ty tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n hai th\u00e0nh vi\u00ean tr\u1edf l\u00ean, c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng \u0111\u1ed1i v\u1edbi c\u00f4ng ty c\u1ed5 ph\u1ea7n; quy\u1ebft \u0111\u1ecbnh c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu c\u00f4ng ty \u0111\u1ed1i v\u1edbi c\u00f4ng ty tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n m\u1ed9t th\u00e0nh vi\u00ean v\u1ec1 vi\u1ec7c thay \u0111\u1ed5i ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt. Quy\u1ebft \u0111\u1ecbnh, bi\u00ean b\u1ea3n h\u1ecdp H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean ho\u1eb7c \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng v\u00e0 quy\u1ebft \u0111\u1ecbnh c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu c\u00f4ng ty ph\u1ea3i ghi r\u00f5 nh\u1eefng n\u1ed9i dung \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i trong \u0110i\u1ec1u l\u1ec7 c\u00f4ng ty\u201d<\/em>. Trong Ngh\u1ecb \u0111\u1ecbnh tr\u00ean, c\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady, v\u1edbi nh\u1eefng \u0111i\u1ec3m kh\u00f4ng r\u00f5 nh\u01b0 sau:<\/p>\n<ul>\n<li>C\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n th\u00f4ng qua h\u00ecnh th\u1ee9c v\u0103n b\u1ea3n l\u00e0 Bi\u00ean b\u1ea3n v\u00e0 Ngh\u1ecb quy\u1ebft (nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p) th\u00ec m\u1edbi h\u1ee3p l\u00fd, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u201cQuy\u1ebft \u0111\u1ecbnh\u201d (th\u1ef1c t\u1ebf Ph\u00f2ng \u0110\u0103ng k\u00fd kinh doanh \u0111\u00e3 y\u00eau c\u1ea7u ch\u00fang t\u00f4i ph\u1ea3i l\u00e0m Quy\u1ebft \u0111\u1ecbnh c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng v\u1ec1 vi\u1ec7c thay \u0111\u1ed5i n\u1ed9i dung \u0111\u0103ng k\u00fd kinh doanh);<\/li>\n<li>T\u1ea1i sao Quy\u1ebft \u0111\u1ecbnh v\u00e0 Bi\u00ean b\u1ea3n c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng l\u1ea1i \u201c<em>ph\u1ea3i ghi r\u00f5 nh\u1eefng n\u1ed9i dung \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i trong \u0110i\u1ec1u l\u1ec7 c\u00f4ng ty\u201d<\/em>. Quy \u0111\u1ecbnh n\u00e0y ch\u1ec9 \u0111\u00fang trong tr\u01b0\u1eddng h\u1ee3p \u0110i\u1ec1u l\u1ec7 c\u00f3 s\u1ef1 thay \u0111\u1ed5i v\u1ec1 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt t\u1eeb Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb sang Gi\u00e1m \u0111\u1ed1c ho\u1eb7c ng\u01b0\u1ee3c l\u1ea1i. C\u00f2n tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 l\u00e0 b\u1ea7u ng\u01b0\u1eddi n\u00e0y thay th\u1ebf ng\u01b0\u01a1\u00ec kh\u00e1c, th\u00ec kh\u00f4ng hi\u1ec3u t\u1ea1i sao l\u1ea1i ph\u1ea3i c\u00f3 \u201c<em>nh\u1eefng n\u1ed9i dung \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i trong \u0110i\u1ec1u l\u1ec7 c\u00f4ng ty\u201d<\/em>;<\/li>\n<li>Theo \u0111\u00fang c\u00e2u ch\u1eef c\u1ee7a kho\u1ea3n 1, \u0110i\u1ec1u 106 (Bi\u00ean b\u1ea3n h\u1ecdp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng), Lu\u1eadt Doanh nghi\u1ec7p, th\u00ec \u201c<em>C<\/em><em>u\u1ed9c h\u1ecdp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng ph\u1ea3i \u0111\u01b0\u1ee3c ghi v\u00e0o s\u1ed5 bi\u00ean b\u1ea3n c\u1ee7a c\u00f4ng ty<\/em>\u201d. Theo T\u1eeb \u0111i\u1ec3n Ti\u1ebfng Vi\u1ec7t c\u1ee7a Vi\u1ec7n Ng\u00f4n ng\u1eef h\u1ecdc th\u00ec \u201cS\u1ed5\u201d l\u00e0 \u201c<em>T\u1eadp h\u1ee3p nh\u1eefng t\u1edd gi\u1ea5y \u0111\u00f3ng th\u00e0nh quy\u1ec3n, c\u00f3 b\u00eca, d\u00f9ng \u0111\u1ec3 ghi ch\u00e9p<\/em>\u201d. V\u00e0 n\u1ebfu c\u1ee9 theo \u0111\u00fang ngh\u0129a nh\u01b0 v\u1eady, th\u00ec Lu\u1eadt Doanh nghi\u1ec7p kh\u00f4ng cho ph\u00e9p ghi ch\u00e9p bi\u00ean b\u1ea3n b\u1eb1ng m\u00e1y t\u00ednh. M\u00e0 s\u1ed5 ghi ch\u00e9p b\u1eb1ng tay di\u1ec5n bi\u1ebfn m\u1ed9t cu\u1ed9c h\u1ecdp, th\u00ec c\u00f3 th\u1ec3 nh\u01b0 m\u1ed9t b\u1ea3n nh\u00e1p, th\u00ec l\u00e0m sao m\u00e0 g\u1eedi Bi\u00ean b\u1ea3n nh\u01b0 v\u1eady cho Ph\u00f2ng \u0111\u0103ng k\u00fd kinh doanh ho\u1eb7c cho c\u1ed5 \u0111\u00f4ng (theo kho\u1ea3n 3, \u0110i\u1ec1u 106, Lu\u1eadt Doanh nghi\u1ec7p) \u0111\u01b0\u1ee3c. N\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c ho\u00e0n ch\u1ec9nh v\u00e0 chuy\u1ec3n \u0111\u1ed5i th\u00e0nh bi\u00ean b\u1ea3n, ngh\u1ecb quy\u1ebft ch\u00ednh th\u1ee9c. \u0110\u1ebfn b\u00e0i b\u1ea3n, y\u00eau c\u1ea7u ch\u1eb7t ch\u1ebd, c\u1ee5 th\u1ec3 v\u00e0 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd cao nh\u01b0 B\u1ea3n \u00e1n, ph\u1ea3i tuy\u00ean c\u00f4ng khai ngay t\u1ea1i phi\u00ean to\u00e0 th\u00ec c\u0169ng ph\u1ea3i ch\u1edd \u0111\u00e1nh m\u00e1y l\u1ea1i ch\u1ee9 ch\u01b0a c\u00f3 ai k\u00fd \u0111\u01b0\u1ee3c ngay t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac phi\u00ean to\u00e0. V\u00ec v\u1eady c\u1ea3 hai lo\u1ea1i v\u0103n b\u1ea3n \u201cQuy\u1ebft \u0111\u1ecbnh\u201d v\u00e0 \u201cBi\u00ean b\u1ea3n\u201d h\u1ecdp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng m\u00e0 Ngh\u1ecb \u0111\u1ecbnh y\u00eau c\u1ea7u nh\u01b0 tr\u00ean \u0111\u1ec1u kh\u00f4ng h\u1ee3p l\u00fd.<\/li>\n<li>\u0110o\u1ea1n 2, kho\u1ea3n 7, \u0110i\u1ec1u 112 (Cu\u1ed9c h\u1ecdp H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb), Lu\u1eadt Doanh nghi\u1ec7p quy \u0111\u1ecbnh: \u201c<em>Th\u00e0nh vi\u00ean Ban ki\u1ec3m so\u00e1t, Gi\u00e1m \u0111\u1ed1c ho\u1eb7c T\u1ed5ng gi\u00e1m \u0111\u1ed1c kh\u00f4ng ph\u1ea3i l\u00e0 th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, c\u00f3 quy\u1ec1n <strong>d\u1ef1 c\u00e1c cu\u1ed9c h\u1ecdp<\/strong> c\u1ee7a H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb; c\u00f3 quy\u1ec1n th\u1ea3o lu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c bi\u1ec3u quy\u1ebft<\/em>.\u201d Trong khi \u0111\u00f3, \u0111i\u1ec3m i, kho\u1ea3n 1, \u0110i\u1ec1u 113 (Bi\u00ean b\u1ea3n h\u1ecdp H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb) l\u1ea1i quy \u0111\u1ecbnh: Bi\u00ean b\u1ea3n h\u1ecdp H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb ph\u1ea3i c\u00f3 m\u1ed9t trong nh\u1eefng n\u1ed9i dung ch\u1ee7 y\u1ebfu l\u00e0: \u201c<em>H\u1ecd, t\u00ean, ch\u1eef k\u00fd c\u1ee7a t\u1ea5t c\u1ea3 th\u00e0nh vi\u00ean ho\u1eb7c \u0111\u1ea1i di\u1ec7n theo u\u1ef7 quy\u1ec1n <strong>d\u1ef1 h\u1ecdp<\/strong><\/em>\u201d. Nh\u01b0 v\u1eady, li\u1ec7u Bi\u00ean b\u1ea3n h\u1ecdp H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb ph\u1ea3i c\u00f3 c\u1ea3 ch\u1eef k\u00fd c\u1ee7a T\u1ed5ng Gi\u00e1m \u0111\u1ed1c v\u00e0 c\u00e1c th\u00e0nh vi\u00ean Ban Ki\u1ec3m so\u00e1t \u201cd\u1ef1 h\u1ecdp\u201d hay kh\u00f4ng? Qu\u1ea3 th\u1eadt, hi\u1ec3u th\u1ebf n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c.<\/li>\n<\/ul>\n<p>Th\u1ef1c t\u1ebf, l\u00fac \u0111\u1ea7u ch\u00fang t\u00f4i ghi tay v\u00e0o S\u1ed5 bi\u00ean b\u1ea3n, nh\u01b0ng sau n\u00e0y th\u00ec ghi th\u1eb3ng Bi\u00ean b\u1ea3n tr\u00ean m\u00e1y t\u00ednh. Vi\u1ec7c n\u00e0y r\u1ea5t c\u1ea7n h\u01b0\u1edbng d\u1eabn theo h\u01b0\u1edbng \u0111\u01b0\u1ee3c ph\u00e9p ghi Bi\u00ean b\u1ea3n tr\u00ean m\u00e1y t\u00ednh, c\u0169ng kh\u00f4ng n\u00ean quy \u0111\u1ecbnh theo h\u01b0\u1edbng b\u1eaft bu\u1ed9c ph\u1ea3i ghi s\u1ed5 r\u1ed3i sau \u0111\u00f3 m\u1edbi chuy\u1ec3n th\u00e0nh bi\u00ean b\u1ea3n \u0111\u00e1nh m\u00e1y.<\/p>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 31 (Nh\u1eefng thay \u0111\u1ed5i ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn), Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2004) quy \u0111\u1ecbnh: T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ea5p thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n tr\u01b0\u1edbc khi thay \u0111\u1ed5i th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, T\u1ed5ng gi\u00e1m \u0111\u1ed1c v\u00e0 th\u00e0nh vi\u00ean Ban ki\u1ec3m so\u00e1t. T\u1eeb m\u1ed9t ch\u1eef \u201ctr\u01b0\u1edbc\u201d \u1edf \u0111\u00e2y, \u0111\u00e3 \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ee5 th\u1ec3 ho\u00e1 t\u1ea1i c\u00e1c \u0111i\u1ec1u 32, 33, 34 v\u00e0 35, Quy \u0111\u1ecbnh V\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb, 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\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1087\/2001\/Q\u0110-NHNN ng\u00e0y 27-8-2001 (\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) l\u00e0: Vi\u1ec7c thay \u0111\u1ed5i c\u00e1c ch\u1ee9c danh n\u00f3i tr\u00ean ph\u1ea3i \u0111\u01b0\u1ee3c cho ph\u00e9p 2 l\u1ea7n: Ch\u1ea5p thu\u1eadn m\u1ed9t l\u1ea7n tr\u01b0\u1edbc khi ti\u1ebfn h\u00e0nh vi\u1ec7c b\u1ea7u, b\u1ed5 nhi\u1ec7m v\u00e0 chu\u1ea9n y l\u1ea7n hai sau khi \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ea7u, b\u1ed5 nhi\u1ec7m. \u0110i\u1ec1u n\u00e0y c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng kh\u00f4ng c\u00f2n\u00a0 \u201c<em>l\u00e0 c\u01a1 quan quy\u1ebft \u0111\u1ecbnh cao nh\u1ea5t c\u1ee7a c\u00f4ng ty c\u1ed5 ph\u1ea7n<\/em>\u201d theo nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 96, Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2005. Vi\u1ec7c b\u1ea7u c\u1eed c\u00e1c th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb, Ban Ki\u1ec3m so\u00e1t c\u1ee7a ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n ch\u1ec9 c\u00f2n l\u00e0 m\u1ed9t s\u1ef1 l\u1ef1a ch\u1ecdn b\u1eaft bu\u1ed9c v\u00e0 c\u1ee9ng nh\u1eafc. V\u00e0 c\u00f3 th\u1ec3 x\u1ea3y ra t\u00ecnh hu\u1ed1ng c\u00f9ng m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng, nh\u01b0ng l\u1ea7n 1 th\u00ec ch\u1ea5p nh\u1eadn, l\u1ea7n 2 th\u00ec l\u1ea1i kh\u00f4ng.<\/p>\n<p>\u0110\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh ch\u1ec9 ph\u1ea3i ch\u1ea5p thu\u1eadn m\u1ed9t l\u1ea7n ch\u00ednh th\u1ee9c, c\u00f2n tr\u01b0\u1edbc khi b\u1ea7u th\u00ec c\u00f3 th\u1ec3 tham v\u1ea5n n\u1ebfu c\u1ea7n, ch\u1ee9 kh\u00f4ng n\u00ean hai l\u1ea7n b\u1eaft bu\u1ed9c.<\/p>\n<p>Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c g\u1eedi v\u00e0 r\u00fat ti\u1ec1n ti\u1ebft ki\u1ec7m. \u0110i\u1ec1u 17 (R\u00fat ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m theo th\u1eeba k\u1ebf), Quy ch\u1ebf v\u1ec1 Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN ng\u00e0y 13-9-2004 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 47\/2006\/Q\u0110-NHNN ng\u00e0y 25-9-2006) th\u00ec quy \u0111\u1ecbnh: \u201c<em>Th\u1ee7 t\u1ee5c r\u00fat ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m theo th\u1eeba k\u1ebf do t\u1ed5 ch\u1ee9c nh\u1eadn ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m quy \u0111\u1ecbnh ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1eeba k\u1ebf t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan<\/em>.\u201d C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i quy \u0111\u1ecbnh th\u1ebf n\u00e0o \u0111\u00e2y. N\u1ebfu ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng tr\u1ea3 ti\u1ec1n ti\u1ebft ki\u1ec7m th\u1eeba k\u1ebf cho kh\u00e1ch h\u00e0ng th\u00ec c\u0169ng kh\u00f4ng sai ph\u00e1p lu\u1eadt, v\u00ec l\u00e0m sao h\u1ecd c\u00f3 th\u1ea9m quy\u1ec1n quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1eeba k\u1ebf. Tr\u00ean th\u1ef1c t\u1ebf \u0111\u00e2y \u0111ang l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 r\u1ea5t ph\u1ee9c t\u1ea1p, phi\u1ec1n h\u00e0 r\u1eafc r\u1ed1i cho nh\u1eefng ng\u01b0\u1eddi th\u1eeba k\u1ebf ti\u1ebft ti\u1ebft ki\u1ec7m.<\/p>\n<p>\u0110\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng \u0111\u00e1nh \u0111\u1ed1 Kh\u00e1ch h\u00e0ng, ch\u00fang t\u00f4i \u0111\u00e0nh ph\u1ea3i h\u01b0\u1edbng d\u1eabn theo h\u01b0\u1edbng \u0111\u1ea9y to\u00e0n b\u1ed9 tr\u00e1ch nhi\u1ec7m cho Kh\u00e1ch h\u00e0ng. C\u1ee9 c\u00f3 m\u1ed9t ng\u01b0\u1eddi c\u00f3 l\u00fd l\u1ecbch r\u00f5 r\u00e0ng, \u0111\u1ee9ng ra cam k\u1ebft ch\u1ecbu tr\u00e1ch nhi\u1ec7m l\u00e0 c\u00f3 th\u1ec3 cho r\u00fat ti\u1ec1n. C\u00f2n vi\u1ec7c ph\u00e2n chia s\u1ed1 ti\u1ec1n \u0111\u00f3 nh\u01b0 th\u1ebf n\u00e0o th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng quan t\u00e2m. Tuy nhi\u00ean, nh\u01b0 v\u1eady th\u00ec nguy c\u01a1 r\u1ee7i ro ph\u00e1p l\u00fd l\u1ea1i r\u01a1i v\u00e0o Ng\u00e2n h\u00e0ng.<\/p>\n<p>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb ban h\u00e0nh m\u1ed9t Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 g\u1eedi ti\u1ec1n Ng\u00e2n h\u00e0ng n\u00f3i chung, ti\u1ec1n ti\u1ebft ki\u1ec7m n\u00f3i ri\u00eang, trong \u0111\u00f3 c\u00f3 quy \u0111\u1ecbnh x\u1eed l\u00fd tr\u01b0\u1eddng h\u1ee3p r\u00fat ti\u1ec1n ti\u1ebft ki\u1ec7m l\u00e0 t\u00e0i s\u1ea3n th\u1eeba k\u1ebf.<\/p>\n<p>Kho\u1ea3n 4, \u0110i\u1ec1u <a name=\"_Toc115580029\"><\/a><a name=\"_Toc114619864\"><\/a>37 (V\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n, chi nh\u00e1nh v\u00e0 \u0111\u1ecba \u0111i\u1ec3m kinh doanh c\u1ee7a doanh nghi\u1ec7p), Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2005 quy \u0111\u1ecbnh: \u201c<em>Chi nh\u00e1nh, v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n v\u00e0 \u0111\u1ecba \u0111i\u1ec3m kinh doanh ph\u1ea3i mang t\u00ean c\u1ee7a doanh nghi\u1ec7p, k\u00e8m theo ph\u1ea7n b\u1ed5 sung t\u01b0\u01a1ng \u1ee9ng x\u00e1c \u0111\u1ecbnh chi nh\u00e1nh, v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n v\u00e0 \u0111\u1ecba \u0111i\u1ec3m kinh doanh \u0111\u00f3<\/em>\u201d. Quy \u0111\u1ecbnh t\u01b0\u1edfng l\u00e0 r\u00f5 nh\u01b0 ban ng\u00e0y n\u00e0y \u0111ang \u0111\u01b0\u1ee3c hi\u1ec3u theo nhi\u1ec1u ngh\u0129a kh\u00e1c nhau. V\u00ed d\u1ee5, c\u00e1c Chi nh\u00e1nh c\u1ee7a Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i Vi\u1ec7t Nam \u0111\u00e3 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, c\u00e1c c\u01a1 quan \u0111\u0103ng k\u00fd kinh doanh v\u00e0 c\u01a1 quan kh\u1eafc d\u1ea5u \u0111\u1eb7t cho c\u00e1c t\u00ean r\u1ea5t kh\u00e1c nhau nh\u01b0 sau:<\/p>\n<ul>\n<li>\u201cNg\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n H\u00e0ng H\u1ea3i Vi\u1ec7t Nam <strong><em>Chi nh\u00e1nh H\u1ea3i Ph\u00f2ng<\/em><\/strong>\u201d;<\/li>\n<li>\u201c<strong><em>Chi nh\u00e1nh<\/em><\/strong> Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n H\u00e0ng H\u1ea3i Vi\u1ec7t Nam <strong><em>t\u1ea1i TP<\/em><\/strong> <strong><em>\u0110\u00e0 N\u1eb5ng<\/em><\/strong>\u201d;<\/li>\n<li>\u201c<strong><em>Chi nh\u00e1nh S\u00e0i G\u00f2n<\/em><\/strong> Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n H\u00e0ng H\u1ea3i Vi\u1ec7t Nam (<strong><em>TP H\u00e0 N\u1ed9i<\/em><\/strong>)\u201d;<\/li>\n<li>\u201c<strong><em>Chi nh\u00e1nh<\/em><\/strong> Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n H\u00e0ng H\u1ea3i Vi\u1ec7t Nam <strong><em>TP H\u00e0 N\u1ed9i t\u1ea1i TP H\u1ed3 Ch\u00ed Minh<\/em><\/strong>\u201d.<\/li>\n<\/ul>\n<p>\u0110\u1ea5y m\u1edbi ch\u1ec9 l\u00e0 t\u00ean Chi nh\u00e1nh, c\u00f2n t\u00ean Ph\u00f2ng giao d\u1ecbch tr\u1ef1c thu\u1ed9c Chi nh\u00e1nh Ng\u00e2n h\u00e0ng th\u00ec c\u00f2n r\u1ed1i r\u1eafm h\u01a1n, v\u00ec c\u00f3 \u0111\u1ebfn 3 y\u1ebfu t\u1ed1 v\u1ec1 c\u1ea5p \u0111\u1ed9 t\u1ed5 ch\u1ee9c trong m\u1ed9t t\u00ean g\u1ecdi: Ng\u00e2n h\u00e0ng, Chi nh\u00e1nh Ng\u00e2n h\u00e0ng v\u00e0 Ph\u00f2ng Giao d\u1ecbch. V\u00f4 c\u00f9ng r\u1eafc r\u1ed1i, kh\u00f3 hi\u1ec3u t\u1eeb nh\u1eefng quy \u0111\u1ecbnh t\u01b0\u1edfng ch\u1eebng r\u1ea5t \u0111\u01a1n gi\u1ea3n, r\u1ea5t gi\u1ed1ng nh\u01b0 ki\u1ec3u \u0111\u00e1nh s\u1ed1 nh\u00e0 c\u1ee7a H\u00e0 N\u1ed9i tr\u00ean l\u00fd thuy\u1ebft v\u00e0 tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n<p>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh r\u00f5 v\u1ea5n \u0111\u1ec1 n\u00e0y trong Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p \u0111ang d\u1ef1 th\u1ea3o.<\/p>\n<ol start=\"5\">\n<li><strong>Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn = Nh\u1eefng gi\u1ea5y ph\u00e9p con: <\/strong><\/li>\n<\/ol>\n<p>Cho \u0111\u1ebfn nay, v\u1eabn c\u00f2n nhi\u1ec1u quy\u1ebft \u0111\u1ecbnh, th\u00f4ng t\u01b0, ch\u1ec9 th\u1ecb c\u1ee7a c\u00e1c b\u1ed9, ng\u00e0nh \u0111\u1eb7t ra nh\u1eefng gi\u1ea5y ph\u00e9p con. V\u00ed d\u1ee5 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 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 \u0111\u1eb7t ra nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n tr\u00e1i v\u1edbi \u0110i\u1ec1u 22 (\u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng), Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u00ed d\u1ee5, \u0111\u00f2i h\u1ecfi ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n ph\u1ea3i c\u00f3 \u00edt nh\u1ea5t 100 c\u1ed5 \u0111\u00f4ng v\u00e0 c\u1ed5 \u0111\u00f4ng s\u00e1ng l\u1eadp c\u1ee7a ng\u00e2n h\u00e0ng b\u1ecb h\u1ea1n ch\u1ebf chuy\u1ec3n nh\u01b0\u1ee3ng trong th\u1eddi h\u1ea1n 5 n\u0103m (trong khi Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn, c\u00f2n Lu\u1eadt doanh nghi\u1ec7p quy \u0111\u1ecbnh l\u00e0 3 c\u1ed5 \u0111\u00f4ng v\u00e0 th\u1eddi h\u1ea1n h\u1ea1n ch\u1ebf l\u00e0 3 n\u0103m). \u0110\u00e2y l\u00e0 nh\u1eefng quy \u0111\u1ecbnh r\u1ea5t m\u1edbi do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1eb7t ra, ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd t\u1eeb lu\u1eadt hay ngh\u1ecb \u0111\u1ecbnh n\u00e0o.<\/p>\n<p>Ch\u1ec9 th\u1ecb s\u1ed1 03\/2007\/CT-NHNN ng\u00e0y 28-5-2007 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 \u201cKi\u1ec3m so\u00e1t quy m\u00f4, ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng v\u00e0 cho vay \u0111\u1ea7u t\u01b0, kinh doanh ch\u1ee9ng kho\u00e1n nh\u1eb1m ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t, th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf\u201d c\u0169ng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh tr\u00e1i lu\u1eadt, \u0111\u00f3 l\u00e0 gi\u1edbi h\u1ea1n cho vay \u0111\u1ea7u t\u01b0, kinh doanh ch\u1ee9ng kho\u00e1n kh\u00f4ng qu\u00e1 3%. D\u00f9 cho nh\u1eefng quy \u0111\u1ecbnh tr\u00ean c\u00f3 c\u1ea7n thi\u1ebft v\u00e0 h\u1ee3p l\u00fd \u0111\u1ebfn \u0111\u00e2u ch\u0103ng n\u1eefa, th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c khi n\u00f3 ch\u1ec9 l\u00e0 quy \u0111\u1ecbnh c\u1ee7a c\u01a1 quan c\u1ea5p b\u1ed9. H\u00e0ng ch\u1ee5c \u0111i\u1ec1u lu\u1eadt c\u0169ng kh\u00f4ng c\u00f3 t\u00e1c d\u1ee5ng b\u1eb1ng m\u1ed9t v\u00e0i ch\u1eef c\u1ee7a nh\u1eefng th\u00f4ng t\u01b0, ch\u1ec9 th\u1ecb nh\u01b0 v\u1eady.<\/p>\n<p>N\u1ebfu B\u1ed9 T\u01b0 ph\u00e1p kh\u00f4ng c\u00f3 \u00fd ki\u1ebfn v\u1ec1 t\u00ednh h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1c v\u0103n b\u1ea3n nh\u01b0 tr\u00ean th\u00ec c\u00e1c b\u1ed9, ng\u00e0nh tha h\u1ed3 \u0111\u1eb7t ra nh\u1eefng quy \u0111\u1ecbnh \u201cc\u1ea7n thi\u1ebft\u201d, \u201ch\u1ee3p l\u00fd\u201d theo \u00fd m\u00ecnh ho\u1eb7c l\u00e0 theo \u00fd ki\u1ebfn c\u1ee7a Th\u1ee7 t\u01b0\u1edbng.<\/p>\n<p>\u0110\u1eb7c bi\u1ec7t \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y, v\u1eabn c\u00f2n kh\u00e1 nhi\u1ec1u c\u00f4ng v\u0103n \u0111\u1eb7t ra c\u00e1c quy ph\u1ea1m ph\u00e1p lu\u1eadt. M\u1ed9t trong nh\u1eefng ng\u00e0nh s\u1eed d\u1ee5ng nhi\u1ec1u c\u00f4ng v\u0103n d\u1ea1ng n\u00e0y l\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. C\u00f4ng v\u0103n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u1ea1i r\u1ea5t kh\u00f3 \u201ctruy t\u00ecm\u201d, v\u00ec kh\u00f4ng c\u00f3 tr\u00ean m\u1ea1ng, kh\u00f4ng \u0111\u0103ng tr\u00ean b\u00e1o, kh\u00f4ng in trong c\u00e1c cu\u1ed1n s\u00e1ch h\u1ec7 th\u1ed1ng ho\u00e1 v\u0103n b\u1ea3n v\u1ec1 ng\u00e2n h\u00e0ng g\u1ea7n \u0111\u00e2y v\u00e0 nhi\u1ec1u khi l\u00e0 kh\u00f4ng g\u1eedi cho c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ea3i th\u1ef1c hi\u1ec7n (\u0111\u01b0\u1ee3c g\u1eedi cho Chi nh\u00e1nh Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 h\u01b0\u1edbng d\u1eabn c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i). Ng\u00e2n h\u00e0ng ch\u00fang t\u00f4i mu\u1ed1n chuy\u1ec3n tr\u1ee5 s\u1edf ch\u00ednh t\u1eeb ph\u1ed1 Nguy\u1ec5n Du sang ph\u1ed1 Kim M\u00e3, H\u00e0 N\u1ed9i, ph\u1ea3i xin ph\u00e9p Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Nh\u01b0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c cho ph\u00e9p ch\u1ea5p thu\u1eadn vi\u1ec7c n\u00e0y, th\u00ec ph\u1ea3i do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc &#8211; Chi nh\u00e1nh H\u00e0 N\u1ed9i tr\u00ecnh l\u00ean. Tr\u01b0\u1edbc khi Th\u1ed1ng \u0111\u1ed1c ch\u1ea5p thu\u1eadn th\u00ec l\u1ea1i ph\u1ea3i th\u1ef1c hi\u1ec7n m\u1ed9t vi\u1ec7c n\u1eefa kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong b\u1ea5t c\u1ee9 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u00e0o. \u0110\u00f3 l\u00e0 ph\u1ea3i c\u00f3 \u0111\u01b0\u1ee3c \u201c<em>V\u0103n b\u1ea3n c\u1ee7a U\u1ef7 ban nh\u00e2n d\u00e2n th\u00e0nh ph\u1ed1 ch\u1ea5p thu\u1eadn vi\u1ec7c thay \u0111\u1ed5i \u0111\u1ecba \u0111i\u1ec3m tr\u1ee5 s\u1edf ch\u00ednh<\/em>\u201d.<\/p>\n<p>\u0110\u00f3 l\u00e0 y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c \u0111\u1eb7t ra t\u1ea1i C\u00f4ng v\u0103n s\u1ed1 82\/CV-CNH3 ng\u00e0y 02-02-2005 \u201c<em>V\u1ec1 h\u1ed3 s\u01a1 chuy\u1ec3n \u0111\u1ecba \u0111i\u1ec3m tr\u1ee5 s\u1edf ch\u00ednh c\u1ee7a Ng\u00e2n h\u00e0ng TMCP<\/em>\u201d c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam. C\u00f4ng v\u0103n n\u00e0y g\u1eedi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Chi nh\u00e1nh TP H\u1ed3 Ch\u00ed Minh \u0111\u1ec3 tr\u1ea3 l\u1eddi m\u1ed9t tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. \u0110\u00e2y l\u00e0 m\u1ed9t n\u1ed9i dung ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n thi\u1ebft, kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd, l\u00e0 m\u1ed9t gi\u1ea5y ph\u00e9p con \u0111ang \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho m\u1ecdi tr\u01b0\u1eddng h\u1ee3p. S\u1ef1 b\u1ea5t h\u1ee3p l\u00fd s\u1ebd r\u00f5 h\u01a1n, khi m\u00e0 U\u1ef7 ban Nh\u00e2n d\u00e2n th\u00e0nh ph\u1ed1 H\u00e0 N\u1ed9i l\u1ea1i ch\u1ec9 tr\u1ea3 l\u1eddi vi\u1ec7c cho ph\u00e9p chuy\u1ec3n tr\u1ee5 s\u1edf khi c\u00f3 \u00a0v\u0103n b\u1ea3n \u0111\u1ec1 ngh\u1ecb c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>Do th\u1ee7 t\u1ee5c nhi\u00eau kh\u00ea nh\u01b0 v\u1eady, n\u00ean ch\u00fang t\u00f4i l\u1ea1i kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 26 (\u0110\u0103ng k\u00fd thay \u0111\u1ed5i \u0111\u1ecba ch\u1ec9 tr\u1ee5 s\u1edf ch\u00ednh c\u1ee7a doanh nghi\u1ec7p) l\u00e0: \u201c<em>Khi chuy\u1ec3n \u0111\u1ecba ch\u1ec9 tr\u1ee5 s\u1edf ch\u00ednh \u0111\u1ebfn n\u01a1i kh\u00e1c trong ph\u1ea1m vi t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng, doanh nghi\u1ec7p g\u1eedi th\u00f4ng b\u00e1o \u0111\u1ebfn Ph\u00f2ng \u0110\u0103ng k\u00fd kinh doanh n\u01a1i doanh nghi\u1ec7p \u0111\u00e3 \u0111\u0103ng k\u00fd kinh doanh trong th\u1eddi h\u1ea1n 10 (m\u01b0\u1eddi) ng\u00e0y l\u00e0m vi\u1ec7c, k\u1ec3 t\u1eeb ng\u00e0y quy\u1ebft \u0111\u1ecbnh chuy\u1ec3n \u0111\u1ecba ch\u1ec9 tr\u1ee5 s\u1edf ch\u00ednh<\/em>\u201d, v\u00ec kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1eddi \u0111i\u1ec3m \u0111\u1ec3 t\u00ednh 10 ng\u00e0y.<\/p>\n<p>Nh\u1eefng quy \u0111\u1ecbnh tr\u00ean c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Trong l\u00fac ch\u01b0a s\u1eeda \u0111\u1ed5i \u0111\u01b0\u1ee3c Lu\u1eadt, th\u00ec c\u1ea7n ban h\u00e0nh c\u00e1c Ngh\u1ecb \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 nh\u1eefng n\u1ed9i dung tr\u00ean.<\/p>\n<ol start=\"6\">\n<li><strong>Ban h\u00e0nh v\u0103n b\u1ea3n = Kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd: <\/strong><\/li>\n<\/ol>\n<p>Vi\u1ec7c x\u00e2y d\u1ef1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt m\u1edbi \u0111\u1ec3 thay th\u1ebf, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung v\u0103n b\u1ea3n l\u1ea1c h\u1eadu, b\u1ea5t c\u1eadp l\u00e0 \u0111i\u1ec1u v\u00f4 c\u00f9ng c\u1ea7n thi\u1ebft. C\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc hi\u1ec7n nay c\u0169ng \u0111ang t\u1eebng b\u01b0\u1edbc th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 78 (Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt h\u1ebft hi\u1ec7u l\u1ef1c), Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 1997 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2002) l\u00e0: \u201c<em>V\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft, h\u01b0\u1edbng d\u1eabn thi h\u00e0nh c\u1ee7a v\u0103n b\u1ea3n h\u1ebft hi\u1ec7u l\u1ef1c c\u0169ng \u0111\u1ed3ng th\u1eddi h\u1ebft hi\u1ec7u l\u1ef1c c\u00f9ng v\u1edbi v\u0103n b\u1ea3n \u0111\u00f3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c gi\u1eef l\u1ea1i to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n v\u00ec c\u00f2n ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt m\u1edbi<\/em>\u201d. Nh\u01b0 v\u1eady l\u00e0 kh\u00f4ng sai, nh\u01b0ng th\u1ebf th\u00ec l\u1ea5y g\u00ec \u0111\u1ec3 l\u00e0m \u201cquy t\u1eafc x\u1eed s\u1ef1 chung\u201d cho nh\u1eefng n\u0103m th\u00e1ng m\u00f2n m\u1ecfi ch\u1edd \u0111\u1ee3i v\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh? V\u00ed d\u1ee5, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ee3i ch\u1edd \u0111\u00e3 10 n\u0103m \u0111\u1ec3 th\u1ef1c hi\u1ec7n \u201c<em>Vi\u1ec7c \u0111\u1ea3o n\u1ee3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7<\/em>\u201c theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 54 (Ch\u1ea5m d\u1ee9t cho vay, x\u1eed l\u00fd n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t), Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997.<\/p>\n<p>\u0110\u1eb7c bi\u1ec7t, tr\u00ean th\u1ef1c t\u1ebf, h\u1ea7u nh\u01b0 ch\u01b0a th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 7 (V\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh) c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt l\u00e0: \u201c<em>Lu\u1eadt, ph\u00e1p l\u1ec7nh v\u00e0 c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111\u1ec3 khi c\u00e1c v\u0103n b\u1ea3n \u0111\u00f3 c\u00f3 hi\u1ec7u l\u1ef1c th\u00ec \u0111\u01b0\u1ee3c thi h\u00e0nh ngay<\/em>\u201d v\u00e0 \u201c<em>V\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh ph\u1ea3i \u0111\u01b0\u1ee3c so\u1ea1n th\u1ea3o c\u00f9ng v\u1edbi d\u1ef1 \u00e1n lu\u1eadt, ph\u00e1p l\u1ec7nh \u0111\u1ec3 tr\u00ecnh c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n k\u1ecbp th\u1eddi ban h\u00e0nh khi lu\u1eadt, ph\u00e1p l\u1ec7nh c\u00f3 hi\u1ec7u l\u1ef1c<\/em>\u201d.<\/p>\n<p>Kho\u1ea3n 2, \u0110i\u1ec1u 12 (Vi\u1ec7c gi\u1eef t\u00e0i s\u1ea3n v\u00e0 gi\u1ea5y t\u1edd c\u1ee7a t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p), Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/1999\/N\u0110\/CP ng\u00e0y 29-12-1999 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 85\/2002\/N\u0110-CP ng\u00e0y 25-10-2002) \u0111\u00e3 t\u1eebng quy \u0111\u1ecbnh r\u00f5: \u201c<em>\u0110\u1ed1i v\u1edbi t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i, t\u00e0u thuy\u1ec1n \u0111\u00e1nh b\u1eaft th\u1ee7y, h\u1ea3i s\u1ea3n c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng gi\u1eef b\u1ea3n ch\u00ednh gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd, kh\u00e1ch h\u00e0ng vay khi s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n \u0111\u01b0\u1ee3c d\u00f9ng b\u1ea3n sao c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a C\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 x\u00e1c nh\u1eadn c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, n\u01a1i nh\u1eadn c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u1ec3 l\u01b0u h\u00e0nh ph\u01b0\u01a1ng ti\u1ec7n \u0111\u00f3 trong th\u1eddi h\u1ea1n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 x\u00e1c nh\u1eadn v\u00e0o m\u1ed9t b\u1ea3n sao gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd ph\u01b0\u01a1ng ti\u1ec7n sau khi \u0111\u00e3 c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a C\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc\u2026<\/em>\u201d<em>. <\/em>Nh\u01b0ng \u0111\u1ebfn Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m (thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 178\/1999\/N\u0110-CP), th\u00ec kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0y. Nh\u01b0 v\u1eady, th\u00ec \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n c\u01a1 h\u1ed9i nh\u1eadn th\u1ebf ch\u1ea5p m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n r\u1ea5t ph\u1ed5 bi\u1ebfn l\u00e0 \u00f4 t\u00f4, v\u00ec kh\u00f4ng gi\u1eef \u0111\u01b0\u1ee3c b\u1ea3n ch\u00ednh gi\u1ea5y t\u1edd xe l\u00e0 v\u00f4 c\u00f9ng r\u1ee7i ro. Ng\u00e2n h\u00e0ng Q. ch\u1ec9 v\u00ec s\u01a1 su\u1ea5t \u0111\u1ec3 cho ng\u01b0\u1eddi th\u1ebf ch\u1ea5p c\u1ea7m b\u1ea3n ch\u00ednh Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd xe \u00f4 t\u00f4, cho n\u00ean m\u1eb7c d\u00f9 \u0111\u00e3 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u1edf C\u1ee5c \u0110\u0103ng k\u00fd Qu\u1ed1c gia Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 th\u00f4ng b\u00e1o cho Ph\u00f2ng C\u1ea3nh s\u00e1t giao th\u00f4ng v\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p, nh\u01b0ng \u0111\u00e3 ph\u1ea3i theo ki\u1ec7n tranh ch\u1ea5p v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c m\u1ea5y n\u0103m nay m\u00e0 v\u1eabn ch\u01b0a \u0111\u00f2i \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p thu\u1ed9c quy\u1ec1n \u01b0u ti\u00ean x\u1eed l\u00fd c\u1ee7a m\u00ecnh.<\/p>\n<p>Sau khi Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP n\u00f3i tr\u00ean c\u00f3 hi\u1ec7u l\u1ef1c, B\u1ed9 T\u01b0 ph\u00e1p \u0111\u00e3 c\u00f4ng b\u1ed1 m\u1ed9t trong nh\u1eefng v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/2000\/N\u0110-CP h\u1ebft hi\u1ec7u l\u1ef1c l\u00e0 Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 03\/TTLT-BTP-BCA-BTC-TC\u0110C ng\u00e0y 23-4-2001 c\u1ee7a NHNN, B\u1ed9 T\u01b0 ph\u00e1p, B\u1ed9 C\u00f4ng an, B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 T\u1ed5ng c\u1ee5c \u0110\u1ecba ch\u00ednh \u201c<em>H\u01b0\u1edbng d\u1eabn vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u1ec3 thu h\u1ed3i n\u1ee3 cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>\u201d<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a> Theo nguy\u00ean t\u1eafc tr\u00ean, th\u00ec Th\u00f4ng t\u01b0 s\u1ed1 07\/2003\/TT-NHNN ng\u00e0y 19-5-2003 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201c<em>H\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>\u201d c\u0169ng s\u1ebd h\u1ebft hi\u1ec7u l\u1ef1c. Do v\u1eady, h\u01b0\u1edbng d\u1eabn v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng gi\u1eef b\u1ea3n ch\u00ednh ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng th\u1ebf ch\u1ea5p ho\u00e0n to\u00e0n m\u1ea5t c\u01a1 s\u1edf ph\u00e1p l\u00fd (v\u00ec theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9, th\u00ec gi\u1ea5y \u0111\u0103ng k\u00fd xe ph\u1ea3i \u0111\u01b0\u1ee3c mang theo ph\u01b0\u01a1ng ti\u1ec7n). V\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hi\u1ec7n nay kh\u00f4ng bi\u1ebft ph\u1ea3i th\u1ef1c hi\u1ec7n th\u1ebf n\u00e0o v\u1ec1 nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y, c\u0169ng nh\u01b0 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 kh\u00e1c, nh\u01b0: Th\u1ee7 t\u1ee5c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, \u0111i\u1ec1u ki\u1ec7n v\u1ec1 m\u1ee9c v\u1ed1n t\u1ef1 c\u00f3 tham gia v\u00e0o ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n v\u00e0 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay trong tr\u01b0\u1eddng h\u1ee3p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n vay. Kh\u00f4ng nh\u1eefng th\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng s\u1ebd kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 h\u01b0\u1edbng d\u1eabn v\u1ec1 nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP.<\/p>\n<p>Do \u0111\u00f3, n\u1ebfu c\u1ee9 th\u1ef1c hi\u1ec7n \u0111\u00fang m\u1ed9t n\u1eeda quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u00f3i ri\u00eang ho\u1eb7c m\u1ed9t n\u1eeda quy \u0111\u1ecbnh c\u1ee7a c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c, th\u00ec m\u1edbi ch\u1ec9 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t n\u1eeda s\u1ef1 th\u1eadt, m\u00e0 m\u1ed9t n\u1eeda s\u1ef1 th\u1eadt th\u00ec \u0111\u00e3 kh\u00f4ng c\u00f2n l\u00e0 s\u1ef1 th\u1eadt n\u1eefa.<\/p>\n<p>Trong th\u1ef1c t\u1ebf, c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn c\u1ee9 gi\u1eef gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd xe \u00f4 t\u00f4 khi nh\u1eadn th\u1ebf ch\u1ea5p, v\u1eabn c\u1ee9 c\u0103n c\u1ee9 v\u00e0o Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch 03 \u0111\u1ec3 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, v\u00ec kh\u00f4ng c\u00f3 g\u00ec thay th\u1ebf.<\/p>\n<p>\u0110\u1ec3 m\u1ed9t quy \u0111\u1ecbnh \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng th\u01b0\u1eddng ph\u1ea3i m\u1ea5t nhi\u1ec1u n\u0103m th\u00e1ng. Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n v\u1eeba m\u1edbi \u0111\u1ecbnh h\u00ecnh \u0111\u01b0\u1ee3c theo quy \u0111\u1ecbnh m\u1edbi, th\u00ec n\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c nahnh ch\u00f3ng \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, thay th\u1ebf. Do \u0111\u00f3, kh\u00f4ng th\u1ec3 n\u1eafm v\u1eefng v\u00e0 ch\u1ee7 \u0111\u1ed9ng ch\u1ea5p h\u00e0nh ph\u00e1p lu\u1eadt. V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb c\u00e1c c\u01a1 quan so\u1ea1n th\u1ea3o v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00f4ng \u0111\u1ec3 l\u1ea1i nh\u1eefng kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd c\u1ee7a v\u0103n b\u1ea3n. N\u1ebfu kh\u00f4ng k\u1ebf th\u1eeba nh\u1eefng quy \u0111\u1ecbnh c\u0169 th\u00ec c\u00f9ng c\u1ea7n ch\u1ec9 r\u00f5 t\u1eebng v\u1ea5n \u0111\u1ec1 trong v\u0103n b\u1ea3n m\u1edbi ban h\u00e0nh.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<ol start=\"7\">\n<li><strong>Th\u1eddi h\u1ea1n x\u00e1c \u0111\u1ecbnh = V\u00f4 t\u1eadn th\u1eddi gian: <\/strong><\/li>\n<\/ol>\n<p>Th\u1eddi h\u1ea1n l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng trong nhi\u1ec1u v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt. Tuy nhi\u00ean, th\u1eddi h\u1ea1n n\u00e0y d\u01b0\u1eddng nh\u01b0 ch\u1ec9 l\u00e0 h\u1eefu h\u1ea1n \u0111\u1ed1i v\u1edbi d\u00e2n ch\u00fang, c\u00f2n l\u00e0 v\u00f4 h\u1ea1n \u0111\u1ed1i v\u1edbi c\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc. Doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n \u0111\u01b0\u01a1ng nhi\u00ean m\u1ea5t quy\u1ec1n khi\u1ebfu n\u1ea1i, m\u1ea5t quy\u1ec1n kh\u1edfi ki\u1ec7n,\u2026 v\u00e0 m\u1ea5t h\u1ebft n\u1ebfu \u0111\u1ec3 qu\u00e1 th\u1eddi h\u1ea1n n\u00e0o \u0111\u00f3, d\u00f9 ch\u1ec9 1 ng\u00e0y, m\u1ed9t gi\u1edd.<\/p>\n<p>Kh\u00f4ng nh\u1eefng th\u1ebf, \u0111\u00f4i khi ng\u01b0\u1eddi d\u00e2n c\u00f2n b\u1ecb \u00e9p cho qu\u00e1 h\u1ea1n. V\u00ed d\u1ee5: Trong m\u1ed9t quy\u1ebft \u0111\u1ecbnh c\u1ee7a Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb (ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n) u\u1ef7 quy\u1ec1n cho m\u1ed9t s\u1ed1 c\u00e1n b\u1ed9 qu\u1ea3n l\u00fd c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c k\u00fd c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, trong \u0111\u00f3 \u0111\u00e3 ghi r\u00f5 \u201c<em>Quy\u1ebft \u0111\u1ecbnh n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1eeb ng\u00e0y k\u00fd cho \u0111\u1ebfn khi c\u00f3 v\u0103n b\u1ea3n kh\u00e1c thay th\u1ebf<\/em>\u201d, v\u1edbi m\u1ee5c \u0111\u00edch l\u00e0 u\u1ef7 quy\u1ec1n th\u01b0\u1eddng xuy\u00ean, l\u00e2u d\u00e0i. Tuy nhi\u00ean v\u1eabn b\u1ecb m\u1ed9t s\u1ed1 Ph\u00f2ng C\u00f4ng ch\u1ee9ng cho l\u00e0 quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 \u0111\u01b0\u01a1ng nhi\u00ean h\u1ebft hi\u1ec7u l\u1ef1c sau 1 n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i <a name=\"_Toc103888459\"><\/a><a name=\"_Toc102331618\"><\/a>\u0110i\u1ec1u 582 (Th\u1eddi h\u1ea1n u\u1ef7 quy\u1ec1n) c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005: \u201c<em>Th\u1eddi h\u1ea1n u\u1ef7 quy\u1ec1n do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn ho\u1eb7c do ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh; n\u1ebfu kh\u00f4ng c\u00f3 tho\u1ea3 thu\u1eadn v\u00e0 ph\u00e1p lu\u1eadt kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh th\u00ec h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n c\u00f3 hi\u1ec7u l\u1ef1c m\u1ed9t n\u0103m, k\u1ec3 t\u1eeb ng\u00e0y x\u00e1c l\u1eadp vi\u1ec7c u\u1ef7 quy\u1ec1n<\/em>.\u201d<\/p>\n<p>Th\u1ebf l\u00e0, \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi vi\u1ec7c tr\u00ean, ch\u00fang t\u00f4i \u0111\u00e0nh ph\u1ea3i v\u1eadn d\u1ee5ng h\u1ebft kh\u1ea3 n\u0103ng v\u1ec1 ng\u00f4n ng\u1eef \u0111\u1ec3 vi\u1ebft ra c\u00e2u v\u0103n nh\u01b0 sau: \u201c<em>Quy\u1ebft \u0111\u1ecbnh n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y k\u00fd cho \u0111\u1ebfn khi c\u00f3 v\u0103n b\u1ea3n kh\u00e1c thay th\u1ebf (kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o th\u1eddi h\u1ea1n 1 n\u0103m theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 582 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005)<\/em>\u201d.<\/p>\n<p>Trong khi \u0111\u00f3, \u0111\u1ed1i v\u1edbi c\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc, th\u00ec \u201c\u0111\u01b0\u1ee3c quy\u1ec1n\u201d qu\u00e1 h\u1ea1n m\u1ed9t c\u00e1ch v\u00f4 t\u1ed9i v\u1ea1. \u0110\u1ebfn n\u1ed7i ch\u00ednh m\u1ed9t quan ch\u1ee9c c\u1ea5p cao c\u1ee7a ng\u00e0nh To\u00e0 \u00e1n \u0111\u00e3 ph\u1ea3i ph\u00e1t bi\u1ec3u tr\u00ean m\u1ed9t t\u1edd b\u00e1o ph\u00e1p lu\u1eadt m\u1ea5y n\u0103m tr\u01b0\u1edbc: \u201c<em>Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u1eddi h\u1ea1n \u0111\u1ec3 to\u00e0 c\u1ea5p s\u01a1 th\u1ea9m th\u1ee5 l\u00fd m\u1ed9t v\u1ee5 \u00e1n kinh t\u1ebf l\u00e0 2 th\u00e1ng, nh\u1eefng v\u1ee5 ph\u1ee9c t\u1ea1p l\u00e0 4 th\u00e1ng. Tuy nhi\u00ean, kho\u1ea3ng th\u1eddi gian t\u1ed1 t\u1ee5ng \u0111\u01b0\u1ee3c k\u00e9o d\u00e0i v\u00f4 h\u1ea1n \u0111\u1ecbnh. D\u00f9 c\u00f3 ch\u1ee7 \u00fd hay kh\u00f4ng th\u00ec c\u0169ng kh\u00f4ng c\u00f3 ai t\u1eeb ph\u00eda to\u00e0 \u00e1n ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m<\/em>\u201d.<a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a> Th\u1eadm ch\u00ed, c\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p Nh\u00e0 n\u01b0\u1edbc k\u00e9o d\u00e0i s\u1ef1 qu\u00e1 h\u1ea1n nh\u01b0ng l\u1ea1i \u0111\u01b0\u1ee3c ti\u1ebfng l\u00e0 v\u00ec d\u00e2n, nh\u01b0 tr\u01b0\u1eddng h\u1ee3p l\u00f9i th\u1eddi h\u1ea1n ho\u00e0n th\u00e0nh vi\u1ec7c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0o ng\u00e0y 31-12-2006 trong \u0110i\u1ec1u 184, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 181\/2004\/N\u0110-CP ng\u00e0y 29-10-2004 v\u1ec1 thi h\u00e0nh Lu\u1eadt \u0110\u1ea5t \u0111ai.<\/p>\n<p>\u0110\u00e3 \u0111\u1ebfn l\u00fac Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i c\u00f3 nh\u1eefng quy \u0111\u1ecbnh c\u00f4ng b\u1eb1ng, s\u00f2ng ph\u1eb3ng v\u1edbi d\u00e2n. Ch\u1eb3ng h\u1ea1n qu\u00e1 th\u1eddi h\u1ea1n xem x\u00e9t theo quy \u0111\u1ecbnh, m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi th\u00ec d\u00e2n c\u00f3 quy\u1ec1n \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng n\u1ed9i dung \u0111\u00e3 \u0111\u1ec1 ngh\u1ecb (xin ph\u00e9p) v\u00e0 c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p c\u1ea3n tr\u1edf. V\u00ed d\u1ee5, qu\u00e1 th\u1eddi h\u1ea1n c\u1ea5p ph\u00e9p x\u00e2y d\u1ef1ng, ng\u01b0\u1eddi \u0111\u1ec1 ngh\u1ecb \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u01b0\u1ee3c quy\u1ec1n x\u00e2y d\u1ef1ng theo \u0111\u01a1n xin ph\u00e9p. Qu\u00e1 th\u1eddi h\u1ea1n \u201c<em>ki\u1ec3m tra, x\u00e1c minh ngu\u1ed3n tin v\u00e0 quy\u1ebft \u0111\u1ecbnh\u201d <\/em>20 ng\u00e0y (tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t kh\u00f4ng qu\u00e1 2 th\u00e1ng) n\u1ebfu C\u01a1 quan \u0111i\u1ec1u tra kh\u00f4ng<em> \u201cquy\u1ebft \u0111\u1ecbnh vi\u1ec7c kh\u1edfi t\u1ed1 ho\u1eb7c quy\u1ebft \u0111\u1ecbnh kh\u00f4ng kh\u1edfi t\u1ed1 v\u1ee5 \u00e1n h\u00ecnh s\u1ef1\u201d <\/em>theo tin<em> \u201ct\u1ed1 gi\u00e1c, tin b\u00e1o v\u1ec1 t\u1ed9i ph\u1ea1m, ki\u1ebfn ngh\u1ecb kh\u1edfi t\u1ed1\u201d,<\/em><a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a> \u00a0th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p kh\u1edfi t\u1ed1. Kh\u00f4ng th\u1ec3 \u0111\u1ec3 t\u00ecnh tr\u1ea1ng d\u1ec1n d\u1ee9, \u0111e do\u1ea1 sinh m\u1ea1ng ch\u00ednh tr\u1ecb c\u1ee7a c\u00f4ng d\u00e2n trong nhi\u1ec1u th\u00e1ng, nhi\u1ec1u n\u0103m m\u1edbi kh\u1edfi t\u1ed1 ho\u1eb7c v\u1eabn kh\u00f4ng c\u00f3 quy\u1ebft \u0111\u1ecbnh kh\u00f4ng kh\u1edfi t\u1ed1.<\/p>\n<p>Kho\u1ea3n 3, \u0110i\u1ec1u 75, Lu\u1eadt Ban v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 1996 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2002) quy \u0111\u1ecbnh: \u201c<em>V\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, B\u1ed9 tr\u01b0\u1edfng, Th\u1ee7 tr\u01b0\u1edfng c\u01a1 quan ngang b\u1ed9, To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao, Vi\u1ec7n ki\u1ec3m s\u00e1t nh\u00e2n d\u00e2n t\u1ed1i cao v\u00e0 c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean t\u1ecbch c\u00f3 hi\u1ec7u l\u1ef1c sau m\u01b0\u1eddi l\u0103m ng\u00e0y, k\u1ec3 t\u1eeb ng\u00e0y \u0111\u0103ng C\u00f4ng b\u00e1o ho\u1eb7c c\u00f3 hi\u1ec7u l\u1ef1c mu\u1ed9n h\u01a1n n\u1ebfu \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i v\u0103n b\u1ea3n \u0111\u00f3.\u201d <\/em>Tuy nhi\u00ean ng\u00e0y ghi tr\u00ean C\u00f4ng b\u00e1o nhi\u1ec1u khi l\u1ea1i l\u00e0 ng\u00e0y tr\u01b0\u1edbc khi ph\u00e1t h\u00e0nh tr\u00ean th\u1ef1c t\u1ebf 15 ng\u00e0y. V\u00ed d\u1ee5 \u0111\u1ebfn ng\u00e0y 03-7-2007, m\u1edbi ph\u00e1t h\u00e0nh C\u00f4ng b\u00e1o s\u1ed1 380 ghi ng\u00e0y 16-7-2007, nh\u01b0 v\u1eady v\u0103n b\u1ea3n \u0111\u0103ng tr\u00ean \u0111\u00f3 (v\u00ed d\u1ee5 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 79\/N\u0110-CP ng\u00e0y 18-5-2007 v\u1ec1 V\u1ec1 c\u1ea5p b\u1ea3n sao t\u1eeb s\u1ed5 g\u1ed1c, ch\u1ee9ng th\u1ef1c b\u1ea3n sao t\u1eeb b\u1ea3n ch\u00ednh, ch\u1ee9c th\u1ef1c ch\u1eef k\u00fd) \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb tr\u01b0\u1edbc khi C\u00f4ng b\u00e1o \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh tr\u00ean th\u1ef1c t\u1ebf. Lu\u1eadt C\u00f4ng ch\u1ee9ng \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua ng\u00e0y 29-11-2006, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 01-7-2007 nh\u01b0ng sau khi c\u00f3 hi\u1ec7u l\u1ef1c ch\u1ee5c ng\u00e0y r\u1ed3i m\u1edbi \u0111\u01b0\u1ee3c \u0111\u0103ng C\u00f4ng b\u00e1o ghi ng\u00e0y 28-6-2007. 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 Hi\u1ec7p \u0111\u1ecbnh th\u00e0nh l\u1eadp T\u1ed5 ch\u1ee9c Th\u01b0\u01a1ng m\u1ea1i Th\u1ebf gi\u1edbi (WTO) c\u1ee7a N\u01b0\u1edbc C\u1ed9ng ho\u00e0 X\u00e3 h\u1ed9i ch\u1ee7 ngh\u0129a Vi\u1ec7t Nam \u0111\u1ebfn nay v\u1eabn ch\u01b0a \u0111\u0103ng C\u00f4ng b\u00e1o. Ng\u00e0y h\u00f4m qua \u0111\u00e2y (11-7-2007), ch\u00fang ta m\u1edbi nh\u1eadn \u0111\u01b0\u1ee3c C\u00f4ng b\u00e1o ghi ng\u00e0y 29-6-2007.<\/p>\n<p>Th\u1ef1c t\u1ebf nh\u01b0 tr\u00ean t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi vi\u1ec7c v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c \u00e2m ng\u00e0y, k\u1ec3 t\u1eeb ng\u00e0y \u0111\u0103ng C\u00f4ng b\u00e1o. Vi\u1ec7c vi ph\u1ea1m th\u1eddi h\u1ea1n n\u00e0y c\u00f3 th\u1ec3 li\u1ec7t v\u00e0o m\u1ed9t d\u1ea1ng \u201cGian l\u1eadn ph\u00e1p l\u00fd\u201d. V\u00ec v\u1eady \u0111\u1ec1 ngh\u1ecb ph\u1ea3i quy \u0111\u1ecbnh l\u1ea1i v\u1ec1 th\u1eddi h\u1ea1n \u0111\u0103ng v\u00e0 ng\u00e0y ghi tr\u00ean C\u00f4ng b\u00e1o \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m \u0111\u1ebfn \u0111\u01b0\u1ee3c ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n.<\/p>\n<p>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb c\u1ea7n quy \u0111\u1ecbnh \u0111\u1ed3ng th\u1eddi 2 th\u1eddi h\u1ea1n: \u0110\u0103ng C\u00f4ng b\u00e1o v\u00e0 ph\u00e1t h\u00e0nh C\u00f4ng b\u00e1o \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m \u0111\u1ebfn tay ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n<ol start=\"8\">\n<li><strong>Ch\u1ec9 m\u1ed9t bi\u1ec3n c\u1ea5m = Ch\u1eb7n m\u1ecdi con \u0111\u01b0\u1eddng: <\/strong><\/li>\n<\/ol>\n<p>Kho\u1ea3n 1 \u0110i\u1ec1u 77 (Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c cho vay), Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c cho vay l\u00e0 \u201c<em>Ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t cho vay<\/em>\u201d. Kho\u1ea3n 1, \u0110i\u1ec1u 19\u00a0 (Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c cho vay), Quy ch\u1ebf Cho vay c\u1ee7a T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi Kh\u00e1ch h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31-12-2001 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 127\/2005\/Q\u0110-NHNN ng\u00e0y 03-2-2005 v\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 783\/2005\/Q\u0110-NHNN ng\u00e0y 31-5-2005) c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam gi\u1ea3i th\u00edch h\u01b0\u1edbng d\u1eabn r\u00f5 h\u01a1n \u201c<em>Ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t cho vay<\/em>\u201d l\u00e0\u00a0 \u201c<em>C\u00e1n b\u1ed9, nh\u00e2n vi\u00ean c\u1ee7a ch\u00ednh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00f3 th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 th\u1ea9m \u0111\u1ecbnh, quy\u1ebft \u0111\u1ecbnh cho vay<\/em>\u201d. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf quy \u0111\u1ecbnh c\u1ea5m n\u00e0y \u0111ang b\u1ecb Thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc hi\u1ec3u v\u00e0 x\u1eed ph\u1ea1t c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo c\u1ea3 3 tr\u01b0\u1eddng h\u1ee3p d\u01b0\u1edbi \u0111\u00e2y, m\u1eb7c d\u00f9 tr\u01b0\u1eddng h\u1ee3p th\u1ee9 hai v\u00e0 th\u1ee9 ba kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u00ednh \u0111\u00fang \u0111\u1eafn, kh\u00e1ch quan, an to\u00e0n c\u1ee7a vi\u1ec7c x\u00e9t duy\u1ec7t cho vay:<\/p>\n<ul>\n<li>C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t (quy\u1ebft \u0111\u1ecbnh) cho vay ch\u00ednh kho\u1ea3n vay \u0111\u00f3;<\/li>\n<li>C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi to\u00e0n b\u1ed9 nh\u1eefng ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t (quy\u1ebft \u0111\u1ecbnh) cho vay trong c\u1ea3 m\u1ed9t Chi nh\u00e1nh ng\u00e2n h\u00e0ng;<\/li>\n<li>C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi to\u00e0n b\u1ed9 nh\u1eefng ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t (quy\u1ebft \u0111\u1ecbnh) cho vay trong c\u1ea3 m\u1ed9t ng\u00e2n h\u00e0ng.<\/li>\n<\/ul>\n<p>T\u1eeb quy \u0111\u1ecbnh c\u1ea5m cho vay n\u00f3i tr\u00ean c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ebfn nay c\u00f2n \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng ra th\u00e0nh c\u1ea5m t\u01b0\u01a1ng t\u1ef1 \u0111\u1ed1i v\u1edbi nghi\u1ec7p v\u1ee5 b\u1ea3o l\u00e3nh theo \u0110i\u1ec1u 4 (Kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng b\u1ea3o l\u00e3nh), Quy ch\u1ebf b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 26\/2006\/Q\u0110-NHNN ng\u00e0y 26-6-2006 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. M\u1eb7c d\u00f9 quy \u0111\u1ecbnh n\u00e0y l\u00e0 h\u1ee3p l\u00fd v\u00e0 c\u1ea7n thi\u1ebft, nh\u01b0ng c\u0169ng \u0111\u00e3 v\u01b0\u1ee3t kh\u1ecfi n\u1ed9i dung quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt v\u00e0 c\u00e1c ngh\u1ecb \u0111\u1ecbnh hi\u1ec7n h\u00e0nh.<\/p>\n<p>\u0110i\u1ec1u 77, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997 (s\u1eeda \u0111\u1ed5i n\u0103m 2004) c\u1ea5m th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb vay v\u1ed1n c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u00f3. Kh\u00f4ng m\u1ed9t c\u00e2u ch\u1eef n\u00e0o trong b\u1ea5t c\u1ee9 v\u0103n b\u1ea3n ph\u00e1p quy n\u00e0o th\u1ec3 hi\u1ec7n r\u1eb1ng, th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb l\u1ea1i l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u1ea1i c\u1ee9 cho r\u1eb1ng th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 l\u00e0 1 c\u00e1 nh\u00e2n m\u00e0 bao g\u1ed3m c\u1ea3 c\u00f4ng ty c\u00f3 c\u00e1 nh\u00e2n \u0111\u1ea1i di\u1ec7n \u0111\u01b0\u1ee3c b\u1ea7u l\u00e0m th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb. \u0110i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn \u00edt nh\u1ea5t l\u00e0 3 s\u1ef1 b\u1ea5t h\u1ee3p l\u00fd m\u00e0 c\u1ea3 ch\u1ee5c n\u0103m nay \u0111\u00e0nh cam ch\u1ecbu:<\/p>\n<ul>\n<li>Th\u1ee9 nh\u1ea5t, Lu\u1eadt c\u1ea5m r\u1ea5t r\u00f5 r\u00e0ng 1 th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb, nh\u01b0ng l\u1ea1i \u00e1p v\u00e0o \u0111\u1ed3ng th\u1eddi 2 \u0111\u1ed1i t\u01b0\u1ee3ng \u201cc\u1ea5m 1 ph\u00e1t tr\u00fang 2 \u0111\u00edch\u201d;<\/li>\n<li>Th\u1ee9 hai, ch\u1ec9 c\u00f3 b\u1ea7u 1 c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3, ch\u1ee9 x\u01b0a nay ch\u01b0a bao gi\u1edd c\u00f3 chuy\u1ec7n b\u1ea7u 1 c\u00f4ng ty l\u00e0m th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb;<\/li>\n<li>Th\u1ee9 ba, ngay \u0111i\u1ec3m ti\u1ebfp theo trong c\u00f9ng m\u1ed9t kho\u1ea3n c\u1ee7a \u0110i\u1ec1u lu\u1eadt tr\u00ean c\u0169ng c\u00f3 quy \u0111\u1ecbnh: C\u1ea5m cho vay \u0111\u1ed1i v\u1edbi \u201cB\u1ed1, m\u1eb9, v\u1ee3, ch\u1ed3ng, con c\u1ee7a th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb\u201d. N\u1ebfu th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb l\u00e0 c\u00f4ng ty, th\u00ec ph\u1ea3i ch\u0103ng c\u00f3 lo\u1ea1i c\u00f4ng ty c\u00f3 v\u1ee3, c\u00f3 ch\u1ed3ng?<\/li>\n<\/ul>\n<p>Nh\u1eefng v\u1ea5n \u0111\u1ec1 tr\u00ean c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ec9 r\u00f5 trong D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, trong l\u00fac ch\u01b0a s\u1eeda \u0111\u01b0\u1ee3c Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n<p>Trong B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng h\u00ecnh s\u1ef1, c\u00f3 m\u1ed9t nguy\u00ean t\u1eafc l\u00e0 ph\u1ea3i gi\u1ea3i th\u00edch ph\u00e1p lu\u1eadt theo h\u01b0\u1edbng c\u00f3 l\u1ee3i cho b\u1ecb can, b\u1ecb c\u00e1o. V\u1eady, trong ph\u00e1p lu\u1eadt kinh doanh v\u00e0 d\u00e2n s\u1ef1, c\u00f3 l\u1ebd c\u0169ng \u0111\u1ebfn l\u00fac \u0111\u1eb7t ra nguy\u00ean t\u1eafc t\u01b0\u01a1ng t\u1ef1 l\u00e0 gi\u1ea3i th\u00edch ph\u00e1p lu\u1eadt c\u00f3 l\u1ee3i cho c\u00f4ng d\u00e2n v\u00e0 doanh nghi\u1ec7p.<\/p>\n<ol start=\"9\">\n<li><strong>T\u1ef1 do giao k\u1ebft = Nghi\u00eam c\u1ea5m tho\u1ea3 thu\u1eadn: <\/strong><\/li>\n<\/ol>\n<p>\u0110i\u1ec1u 6 (Cam \u0111oan c\u1ee7a c\u00e1c b\u00ean), m\u1eabu s\u1ed1 06\/H\u0110CN \u201c<em>H\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t<\/em>\u201d, ban h\u00e0nh k\u00e8m theo Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 04\/2006\/TTLT\/BTP-BTNMT ng\u00e0y 13-6-2006 c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p &#8211; B\u1ed9 T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng \u201c<em>H\u01b0\u1edbng d\u1eabn vi\u1ec7c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng, v\u0103n b\u1ea3n th\u1ef1c hi\u1ec7n quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng \u0111\u1ea5t<\/em>\u201d c\u00f3 \u0111\u01b0a ra m\u1ed9t n\u1ed9i dung cam k\u1ebft c\u1ee7a c\u1ea3 hai b\u00ean l\u00e0 \u201c<em>kh\u00f4ng b\u1ecb l\u1eeba d\u1ed1i<\/em>\u201d. N\u1ebfu c\u00e2u m\u1eabu n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c c\u00e1c b\u00ean b\u1ecf ra kh\u1ecfi H\u1ee3p \u0111\u1ed3ng, th\u00ec b\u00ean b\u1ecb l\u1eeba d\u1ed1i c\u00f3 nguy c\u01a1 b\u1ecb t\u01b0\u1edbc m\u1ea5t quy\u1ec1n \u0111\u00f2i hu\u1ef7 b\u1ecf h\u1ee3p \u0111\u1ed3ng ho\u1eb7c \u0111\u00f2i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i, v\u00ec \u0111\u00e3 cam k\u1ebft r\u00f5 r\u00e0ng tr\u01b0\u1edbc m\u1eb7t c\u00f4ng ch\u1ee9ng vi\u00ean l\u00e0 m\u00ecnh \u201ckh\u00f4ng b\u1ecb l\u1eeba d\u1ed1i\u201d. \u0110\u00e2y l\u00e0 m\u1ed9t s\u1ef1 sao ch\u00e9p qu\u00e1 m\u00e1y m\u00f3c v\u00e0 sai l\u1ea7m m\u1ed9t trong nh\u1eefng nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. C\u1ee5m t\u1eeb n\u00e0y \u0111\u01b0\u1ee3c l\u1eb7p l\u1ea1i trong h\u00e0ng ch\u1ee5c m\u1eabu H\u1ee3p \u0111\u1ed3ng ban h\u00e0nh k\u00e8m theo Th\u00f4ng t\u01b0 n\u00f3i tr\u00ean.<\/p>\n<p>\u0110i\u1ec3m 3.1, Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 04\/2006\/TTLT\/BTP-BTNMT c\u0169ng \u0111\u00e3 h\u01b0\u1edbng d\u1eabn r\u00f5: \u201c<em>C\u00e1c b\u00ean giao k\u1ebft h\u1ee3p \u0111\u1ed3ng ho\u1eb7c x\u00e1c l\u1eadp v\u0103n b\u1ea3n v\u1ec1<\/em><em> b\u1ea5t \u0111\u1ed9ng s\u1ea3n <\/em><em>c\u00f3 <\/em><em>th\u1ec3<\/em><em> t\u1ef1 so\u1ea1n th\u1ea3o ho\u1eb7c y\u00eau c\u1ea7u Ph\u00f2ng C\u00f4ng ch\u1ee9ng, U\u1ef7 ban nh\u00e2n d\u00e2n x\u00e3, ph\u01b0\u1eddng, th\u1ecb tr\u1ea5n, Ban qu\u1ea3n l\u00fd so\u1ea1n th\u1ea3o h\u1ee3p \u0111\u1ed3ng, v\u0103n b\u1ea3n<\/em>\u201d. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf r\u1ea5t nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay theo m\u1eabu c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c c\u00e1c Ph\u00f2ng c\u00f4ng ch\u1ee9ng ch\u1ea5p nh\u1eadn. H\u1ecd c\u1ee9 l\u00e0m theo m\u1eabu h\u1ee3p \u0111\u1ed3ng c\u1ee7a Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 04\/2006\/TTLT\/BTP-BTNMT, theo m\u1eabu c\u1ee7a U\u1ef7 ban Nh\u00e2n d\u00e2n th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh ban h\u00e0nh n\u0103m 2005 ho\u1eb7c theo m\u1eabu c\u1ee7a ch\u00ednh c\u00e1c Ph\u00f2ng c\u00f4ng ch\u1ee9ng so\u1ea1n th\u1ea3o. Trong c\u00e1c m\u1eabu \u0111\u00f3, c\u00f3 nh\u1eefng n\u1ed9i dung kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, c\u00f3 nh\u1eefng n\u1ed9i dung kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u01b0a v\u00e0o, kh\u00f4ng th\u1ec3 hi\u1ec7n \u0111\u01b0\u1ee3c nh\u1eefng tho\u1ea3 thu\u1eadn \u0111\u1eb7c th\u00f9 c\u1ea7n thi\u1ebft.<\/p>\n<p>Ngo\u00e0i ra, m\u1eabu h\u1ee3p \u0111\u1ed3ng c\u1ee7a m\u1ed9t s\u1ed1 doanh nghi\u1ec7p \u0111\u01b0a ra m\u1edbi l\u00e0 n\u1ed7i \u00e1m \u1ea3nh c\u1ee7a \u0111\u1ed1i t\u00e1c k\u00fd h\u1ee3p \u0111\u1ed3ng, nh\u1ea5t l\u00e0 doanh nghi\u1ec7p \u0111\u1ed9c quy\u1ec1n v\u1ec1 \u0111i\u1ec7n, n\u01b0\u1edbc,\u2026 Th\u1eadt kh\u00f3 t\u00ecm \u0111\u01b0\u1ee3c s\u1ef1 tho\u1ea3 thu\u1eadn t\u1ef1 nguy\u1ec7n \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00e0y. Cu\u1ed1i n\u0103m ngo\u00e1i, t\u00f4i \u0111\u00e3 g\u1eb7p m\u1ed9t h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 chung c\u01b0 v\u1edbi m\u1ed9t lo\u1ea1t n\u1ed9i dung b\u1ea5t h\u1ee3p l\u00fd nh\u01b0: H\u1ee3p \u0111\u1ed3ng b\u00e1n nh\u00e0 \u1edf cho c\u00e1 nh\u00e2n l\u1ea1i c\u0103n c\u1ee9 v\u00e0o Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf (\u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c), trong khi kh\u00f4ng c\u0103n c\u1ee9 v\u00e0o Lu\u1eadt Nh\u00e0 \u1edf; kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn ti\u00eau chu\u1ea9n c\u1ee5 th\u1ec3 c\u1ee7a chung c\u01b0 v\u00e0 c\u0103n h\u1ed9; ch\u1ec9 ghi b\u1ea3o h\u00e0nh c\u00f3 12 th\u00e1ng thay v\u00ec \u00edt nh\u1ea5t l\u00e0 60 th\u00e1ng theo \u0111i\u1ec3m a, kho\u1ea3n 4, \u0110i\u1ec1u 74 (B\u1ea3o h\u00e0nh nh\u00e0 \u1edf), Lu\u1eadt Nh\u00e0 \u1edf (\u0111\u1ed1i v\u1edbi nh\u00e0 chung c\u01b0 t\u1eeb 9 t\u1ea7ng tr\u1edf l\u00ean); ng\u01b0\u1eddi mua ph\u1ea3i c\u00f3 h\u1ed9 kh\u1ea9u th\u01b0\u1eddng tr\u00fa t\u1ea1i H\u00e0 N\u1ed9i, trong khi \u0111i\u1ec3m a, kho\u1ea3n 2, \u0110i\u1ec1u 9 (Ch\u1ee7 s\u1edf h\u1eefu nh\u00e0 \u1edf v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu nh\u00e0 \u1edf), Lu\u1eadt Nh\u00e0 \u1edf quy \u0111\u1ecbnh r\u00f5 \u201c<em>kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o n\u01a1i \u0111\u0103ng k\u00fd kinh doanh, n\u01a1i \u0111\u0103ng k\u00fd h\u1ed9 kh\u1ea9u th\u01b0\u1eddng tr\u00fa<\/em>\u201d,\u2026 Sau m\u1ed9t h\u1ed3i \u0111\u1ec1 ngh\u1ecb, trao \u0111\u1ed5i tho\u1ea3 thu\u1eadn, v\u1eabn ph\u1ea3i k\u00fd nh\u01b0 m\u1eabu v\u1edbi l\u00fd do l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng kh\u00e1c \u0111\u1ec1u k\u00fd nh\u01b0 th\u1ebf.<\/p>\n<p>Nh\u1eefng quy \u0111\u1ecbnh nguy\u00ean t\u1eafc v\u00e0 nh\u1eefng quy \u0111\u1ecbnh chung ch\u1ec9 c\u00f3 \u00fd ngh\u0129a cho c\u00e1c c\u01a1 quan so\u1ea1n th\u1ea3o v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn v\u00e0 c\u00e1c c\u01a1 quan x\u00e9t x\u1eed, ch\u1ee9 \u00edt c\u00f3 t\u00e1c d\u1ee5ng tr\u1ef1c ti\u1ebfp cho th\u1ef1c t\u1ebf. M\u1ed9t ph\u1ea7n r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 ph\u00e1p lu\u1eadt th\u1ef1c s\u1ef1 \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3, th\u1ed1ng nh\u1ea5t, d\u1ec5 d\u00e0ng l\u00e0 th\u00f4ng qua c\u00e1c th\u1ee7 t\u1ee5c v\u00e0 bi\u1ec3u m\u1eabu gi\u1ea5y t\u1edd giao d\u1ecbch. V\u00ec v\u1eady, c\u1ea7n ch\u00fa tr\u1ecdng m\u1edf r\u1ed9ng k\u00eanh ho\u00e0n thi\u1ec7n, chuy\u1ec3n t\u1ea3i v\u00e0 chuy\u1ec3n ho\u00e1 ph\u00e1p lu\u1eadt th\u1ef1c \u0111\u1ecbnh th\u00e0nh c\u00e1c n\u1ed9i dung c\u1ee5 th\u1ec3 trong m\u1ea5u bi\u1ec3u gi\u1ea5y t\u1edd giao d\u1ecbch.<\/p>\n<ol start=\"10\">\n<li><strong>Ai c\u0169ng l\u00e0m \u0111\u00fang = T\u1ea5t c\u1ea3 \u0111\u1ec1u sai:<\/strong><\/li>\n<\/ol>\n<p>Hi\u1ec7n nay, \u0111\u1ec3 nh\u1eadn th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ea5t, th\u00ec ng\u00e2n h\u00e0ng b\u1eaft bu\u1ed9c ph\u1ea3i l\u00e0m nh\u1eefng vi\u1ec7c sau:<\/p>\n<ul>\n<li>Ph\u1ea3i c\u00f4ng ch\u1ee9ng ho\u1eb7c ch\u1ee9ng th\u1ef1c theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 130 (Tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd, x\u00f3a \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 x\u1eed l\u00fd quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u00e3 th\u1ebf ch\u1ea5p, \u0111\u00e3 b\u1ea3o l\u00e3nh \u0111\u1ec3 thu h\u1ed3i n\u1ee3), Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003; kho\u1ea3n 3, \u0110i\u1ec1u 93 (Tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c trong giao d\u1ecbch v\u1ec1 nh\u00e0 \u1edf), Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005. Ri\u00eang vi\u1ec7c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u0169ng \u0111ang trong t\u00ecnh tr\u1ea1ng r\u1ea5t kh\u00f3 ph\u00e2n bi\u1ec7t th\u1ea9m quy\u1ec1n;<\/li>\n<li>Ph\u1ea3i \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p v\u1edbi V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 130 (Tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd, x\u00f3a \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 x\u1eed l\u00fd quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u00e3 th\u1ebf ch\u1ea5p, \u0111\u00e3 b\u1ea3o l\u00e3nh \u0111\u1ec3 thu h\u1ed3i n\u1ee3), Lu\u1eadt \u0110\u1ea5t \u0111ai;<\/li>\n<li>Ph\u1ea3i th\u00f4ng b\u00e1o vi\u1ec7c th\u1ebf ch\u1ea5p cho c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 \u1edf c\u1ea5p t\u1ec9nh n\u01a1i c\u00f3 nh\u00e0 \u1edf (n\u1ebfu b\u00ean th\u1ebf ch\u1ea5p l\u00e0 t\u1ed5 ch\u1ee9c) ho\u1eb7c th\u00f4ng b\u00e1o cho c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 \u1edf c\u1ea5p huy\u1ec7n (n\u1ebfu b\u00ean th\u1ebf ch\u1ea5p l\u00e0 c\u00e1 nh\u00e2n) theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 60 (Th\u1ebf ch\u1ea5p nh\u00e0 \u1edf), Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 90\/2006\/N\u0110-CP ng\u00e0y 06-9-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 Quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt Nh\u00e0 \u1edf;<\/li>\n<li>Ph\u1ea3i gi\u1eef Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf ho\u1eb7c Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t. Tuy \u0111\u00e2y l\u00e0 quy\u1ec1n c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, nh\u01b0ng v\u1edbi m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd, x\u00e3 h\u1ed9i v\u00e0 kinh doanh nh\u01b0 hi\u1ec7n nay th\u00ec kh\u00f4ng th\u1ec3 kh\u00f4ng gi\u1eef Gi\u1ea5y ch\u1ee9ng nh\u1eadn.<\/li>\n<\/ul>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, n\u1ebfu ch\u1ec9 c\u1ea7n l\u00e0m \u0111\u00fang m\u1ed9t ho\u1eb7c hai trong s\u1ed1 b\u1ed1n vi\u1ec7c n\u00eau tr\u00ean l\u00e0 \u0111\u00e3 \u00a0b\u1ea3o \u0111\u1ea3m gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd cho giao d\u1ecbch b\u1ea3o \u0111\u1ea3m. Th\u1ebf nh\u01b0ng ng\u00e2n h\u00e0ng \u0111ang ph\u1ea3i l\u00e0m c\u1ea3 b\u1ed1n vi\u1ec7c, d\u1eabn \u0111\u1ebfn l\u00e3ng ph\u00ed v\u1ec1 th\u1eddi gian, thi\u1ec7t h\u1ea1i v\u1ec1 ti\u1ec1n b\u1ea1c, t\u1ed1n k\u00e9m v\u1ec1 c\u00f4ng s\u1ee9c. Nh\u01b0ng khi c\u1ea7n x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec t\u1eebng \u1ea5y th\u1ee7 t\u1ee5c c\u0169ng kh\u00f4ng c\u00f3 m\u1ea5y \u00fd ngh\u0129a, kh\u00f4ng th\u1ec3 ch\u1ee7 \u0111\u1ed9ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c, ch\u1ec9 c\u00f3 c\u00e1ch l\u00e0 tho\u1ea3 thu\u1eadn ho\u1eb7c ch\u1edd c\u01a1 quan gi\u1ea3i quy\u1ebft tranh ch\u1ea5p ph\u00e1n x\u1eed. C\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng th\u01b0\u1eddng nh\u1eafc nh\u1edf nhau: Kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec kh\u00f4ng \u0111\u1ea3m b\u1ea3o, nh\u01b0ng ph\u1ea3i x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec m\u1edbi \u0111\u1ea3m b\u1ea3o l\u00e0 khi\u1ebfp \u0111\u1ea3m.<\/p>\n<p>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb s\u1eeda c\u00e1c Lu\u1eadt li\u00ean quan theo h\u01b0\u1edbng b\u1ecf b\u1edbt th\u1ee7 t\u1ee5c b\u1eaft bu\u1ed9c th\u1eadt s\u1ef1 kh\u00f4ng c\u1ea7n thi\u1ebft. V\u00ed d\u1ee5 ch\u1ec9 c\u1ea7n \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, kh\u00f4ng n\u00ean b\u1eaft bu\u1ed9c c\u00f4ng ch\u1ee9ng, c\u00e0ng kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i th\u00f4ng b\u00e1o cho c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 \u1edf.<\/p>\n<p>\u0110i\u1ec1u 31 (Nh\u1eefng thay \u0111\u1ed5i ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn), Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy \u0111\u1ecbnh: Vi\u1ec7c t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ea5p thu\u1eadn. Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 13 (\u0110\u0103ng k\u00fd ch\u00e0o b\u00e1n ch\u1ee9ng kho\u00e1n ra c\u00f4ng ch\u00fang), Lu\u1eadt Ch\u1ee9ng kho\u00e1n n\u0103m 2006, th\u00ec Ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n l\u00e0 c\u00f4ng ty \u0111\u1ea1i ch\u00fang l\u1ea1i ph\u1ea3i l\u00e0m th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd, m\u00e0 th\u1ef1c ch\u1ea5t l\u00e0 xin ph\u00e9p U\u1ef7 ban Ch\u1ee9ng kho\u00e1n Nh\u00e0 n\u01b0\u1edbc v\u1ec1 vi\u1ec7c t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7. Nh\u01b0 v\u1eady, c\u00f9ng v\u1ec1 m\u1ed9t vi\u1ec7c t\u0103ng v\u1ed1n c\u1ed5 ph\u1ea7n c\u1ee7a Ng\u00e2n h\u00e0ng, ph\u1ea3i l\u00e0m 2 th\u1ee7 t\u1ee5c xin ph\u00e9p v\u1edbi nh\u1eefng \u0111i\u1ec1u ki\u1ec7n th\u1ee7 t\u1ee5c t\u01b0\u01a1ng \u0111\u1ed1i ch\u1eb7t ch\u1ebd, ph\u1ee9c t\u1ea1p. V\u00e0 \u0111i\u1ec1u \u0111\u00e1ng bu\u1ed3n l\u00e0, c\u01a1 quan sau kh\u00f4ng k\u1ebf th\u1eeba k\u1ebft qu\u1ea3 x\u1eed l\u00fd c\u1ee7a c\u01a1 quan tr\u01b0\u1edbc.<\/p>\n<p>Nh\u01b0 v\u1eady, n\u1ebfu t\u1ea5t c\u1ea3 c\u00e1c b\u1ed9, ng\u00e0nh c\u1ee9 \u0111\u00f3ng vai tr\u00f2 quy\u1ebft \u0111\u1ecbnh trong vi\u1ec7c x\u00e2y d\u1ef1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt cho m\u00ecnh v\u00e0 ch\u1ec9 bi\u1ebft l\u00e0m \u0111\u00fang trong ph\u1ea1m vi quy \u0111\u1ecbnh \u1ea5y, th\u00ec k\u1ebft qu\u1ea3 s\u1ebd t\u1ea1o ra m\u1ed9t x\u00e3 h\u1ed9i r\u1ed1i ren v\u00e0 m\u00e9o m\u00f3 v\u1ec1 lu\u1eadt ph\u00e1p. Chung k\u1ebft, nhi\u1ec1u c\u00e1i \u0111\u00fang c\u1ee5c b\u1ed9 c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t k\u1ebft qu\u1ea3 sai l\u1ea7m.<\/p>\n<p>\u00b6\u00a0 \u00b6<\/p>\n<p>Tr\u00ean \u0111\u00e2y l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a c\u00e2u chuy\u1ec7n d\u00e0i v\u1ec1 v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd, m\u00e0 ch\u1ec9 ri\u00eang m\u1ed9t v\u1ea5n \u0111\u1ec1 c\u01a1 b\u1ea3n v\u00e0 ph\u1ed5 bi\u1ebfn nh\u01b0 ch\u1ebf \u0111\u1ecbnh u\u1ef7 quy\u1ec1n ch\u1eb3ng h\u1ea1n, \u0111\u00e3 th\u1ea5y nhi\u1ec1u chuy\u1ec7n \u201cc\u01b0\u1eddi ra n\u01b0\u1edbc m\u1eaft\u201d.<\/p>\n<p>Ng\u00e0y h\u00f4m nay, ch\u00fang t\u00f4i c\u0169ng kh\u00f4ng bi\u1ebft ch\u00ednh x\u00e1c v\u00e0 ch\u1eafc c\u0169ng kh\u00f4ng ai kh\u1eb3ng \u0111\u1ecbnh \u0111\u01b0\u1ee3c l\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111ang ph\u1ea3i th\u1ef1c hi\u1ec7n theo nh\u1eefng quy \u0111\u1ecbnh n\u00e0o c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p. R\u1ea5t nhi\u1ec1u v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt m\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111ang ph\u1ea3i \u00e1p d\u1ee5ng kh\u00f4ng xu\u1ea5t ph\u00e1t t\u1eeb Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ed3ng th\u1eddi c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t v\u00e0 th\u1eadm ch\u00ed l\u00e0 tr\u00e1i v\u1edbi Lu\u1eadt doanh nghi\u1ec7p. Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec kh\u00f4ng \u0111\u1ee7, Lu\u1eadt Doanh nghi\u1ec7p th\u00ec kh\u00f4ng ph\u00f9 h\u1ee3p. Nh\u1eefng v\u0103n b\u1ea3n d\u01b0\u1edbi Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn \u01b0u ti\u00ean \u00e1p d\u1ee5ng cao h\u01a1n Lu\u1eadt Doanh nghi\u1ec7p theo nguy\u00ean t\u1eafc \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 t\u1ea1i \u0110i\u1ec1u 3 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p. Ch\u1ea5p h\u00e0nh \u0111\u1ed3ng th\u1eddi t\u1ea5t c\u1ea3 c\u00e1c quy \u0111\u1ecbnh th\u00ec l\u00e0 vi\u1ec7c kh\u00f4ng t\u01b0\u1edfng.<\/p>\n<p>L\u00e0 m\u1ed9t lu\u1eadt s\u01b0 doanh nghi\u1ec7p, t\u00f4i v\u1eabn \u0111ang tr\u0103n tr\u1edf \u0111i t\u00ecm nh\u1eefng c\u00e2u tr\u1ea3 l\u1eddi cho \u0111\u1ed9i ng\u0169 ph\u00e1p ch\u1ebf doanh nghi\u1ec7p: Ai l\u00e0 ng\u01b0\u1eddi chia s\u1ebb? Ai l\u00e0 ng\u01b0\u1eddi ghi nh\u1eadn? Ai l\u00e0 ng\u01b0\u1eddi gi\u1ea3i quy\u1ebft? v\u00e0 Ai l\u00e0 ng\u01b0\u1eddi thay \u0111\u1ed5i?<\/p>\n<p><em>\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/em><\/p>\n<p><strong><em>B\u00e0i \u0111\u01b0\u1ee3c l\u01b0u \u1edf \u0111\u00e2y:<\/em><\/strong><\/p>\n<p><em>\u0110C:\u00a0<\/em><em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em><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><em>HN<\/em><\/p>\n<p><em>FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n<p><em>E-mail: duc.tt\u00a0@anvilaw.com<\/em><\/p>\n<p><em>Web: www.anvilaw.com<\/em><\/p>\n<p><em>\u0110T: 090.345.9070<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng v\u00e0 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt c\u0169ng \u0111\u00e3 \u1ea5n \u0111\u1ecbnh T\u1ed5ng Gi\u00e1m \u0111\u1ed1c (ho\u1eb7c Gi\u00e1m \u0111\u1ed1c) l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n cho doanh nghi\u1ec7p \u0111\u1ec3 k\u00fd H\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng v\u00e0 Tho\u1ea3 \u01b0\u1edbc lao \u0111\u1ed9ng t\u1eadp th\u1ec3, b\u1ea5t k\u1ec3 h\u1ecd c\u00f3 ph\u1ea3i l\u00e0 ch\u1ee7 s\u1edf h\u1eefu hay ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo Ph\u00e1p lu\u1eadt c\u1ee7a doanh nghi\u1ec7p hay kh\u00f4ng? \u0110i\u1ec1u n\u00e0y, th\u1ec3 hi\u1ec7n r\u00f5 t\u01b0 duy qu\u1ea3n l\u00fd doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 \u0103n s\u00e2u v\u00e0o ng\u01b0\u1eddi vi\u1ebft lu\u1eadt. C\u1ee9 l\u00e0m \u0111\u00fang lu\u1eadt th\u00ec trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, tho\u1ea3 \u01b0\u1edbc lao \u0111\u1ed9ng v\u00e0 h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng tuy kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u do th\u1ea9m quy\u1ec1n k\u00fd (v\u00ec \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 ch\u1ec9 ra) nh\u01b0ng r\u1ea5t c\u00f3 th\u1ec3 v\u00f4 hi\u1ec7u tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u0110i\u1ec1u 7 (\u0110i\u1ec1u ki\u1ec7n vay v\u1ed1n), Quy ch\u1ebf Cho vay c\u1ee7a T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31-12-2001 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 127\/2005\/Q\u0110-NHNN ng\u00e0y 03-02-2005 v\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 783\/2005\/Q\u0110-NHNN ng\u00e0y 31-5-2005 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN.<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> Quy\u1ebft \u0111\u1ecbnh s\u1ed1 241\/Q\u0110-BTP ng\u00e0y 12-02-2007 c\u1ee7a B\u1ed9 Tr\u01b0\u1edfng B\u1ecd T\u01b0 ph\u00e1p v\u1ec1 vi\u1ec7c c\u00f4ng b\u1ed1 danh m\u1ee5c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt do B\u1ed9 T\u01b0 ph\u00e1p ban h\u00e0nh v\u00e0 li\u00ean t\u1ecbch ban h\u00e0nh\u00a0 t\u1eeb n\u0103m 1981 \u0111\u1ebfn nay h\u1ebft hi\u1ec7u l\u1ef1c.<\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> V\u0169 M\u1ea1nh H\u1ed3ng &#8211; Ch\u00e1nh To\u00e0 Kinh t\u1ebf, To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao &#8211; B\u00e1o Kinh doanh v\u00e0 Ph\u00e1p lu\u1eadt ng\u00e0y 06-5-1999.<\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> Quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 103 (Nhi\u1ec7m v\u1ee5 gi\u1ea3i quy\u1ebft t\u1ed1 gi\u00e1c, tin b\u00e1o v\u1ec1 t\u1ed9i ph\u1ea1m v\u00e0 ki\u1ebfn ngh\u1ecb kh\u1edfi t\u1ed1) c\u1ee7a B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng h\u00ecnh s\u1ef1 n\u0103m 2004.","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; Tham lu\u1eadn t\u1ea1i H\u1ed9i ngh\u1ecb Ph\u00e1p ch\u1ebf B\u1ed9, Ng\u00e0nh v\u00e0 Doanh nghi\u1ec7p ng\u00e0y 12-13\/7\/2007 t\u1ea1i S\u1ea7m S\u01a1n: M\u1eb7c d\u00f9 trong th\u1eddi gian qua, h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh \u0111\u00e3 c\u00f3 nh\u1eefng s\u1ef1 thay \u0111\u1ed5i nhanh ch\u00f3ng v\u00e0 ti\u1ebfn b\u1ed9, tuy nhi\u00ean v\u1eabn c\u00f2n r\u1ea5t nhi\u1ec1u v\u1ea5n \u0111\u1ec1 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5697,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-5696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>93. 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