{"id":5779,"date":"2009-08-08T16:24:47","date_gmt":"2009-08-08T09:24:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5779"},"modified":"2022-02-11T11:24:30","modified_gmt":"2022-02-11T04:24:30","slug":"114-mot-so-van-de-ve-du-thao-luat-cac-tctd","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/114-mot-so-van-de-ve-du-thao-luat-cac-tctd\/","title":{"rendered":"114. M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 D\u1ef1 th\u1ea3o Lu\u1eadt c\u00e1c TCTD"},"content":{"rendered":"<strong><em>(ANVI) &#8211; H\u1ed9i th\u1ea3o L\u1ea5y \u00fd ki\u1ebfn v\u1ec1 D\u1ef1 th\u1ea3o Lu\u1eadt NHNN v\u00e0 Lu\u1eadt c\u00e1c TCTD<\/em><\/strong><\/p>\n<p><strong><em>U\u1ef7 ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i t\u1ed5 ch\u1ee9c t\u1ea1i \u0110\u00e0 N\u1eb5ng ng\u00e0y 20-8-2009<\/em><\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>M\u1ed8T S\u1ed0 V\u1ea4N \u0110\u1ec0 V\u1ec0 D\u1ef0 TH\u1ea2O LU\u1eacT C\u00c1C TCTD<\/strong><\/p>\n<p><strong>D\u1ef1 th\u1ea3o 5 ng\u00e0y 13-8-2009<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<ol>\n<li><strong><em>V\u1ec1 quan \u0111i\u1ec3m x\u00e2y d\u1ef1ng:<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>C\u1ea7n x\u00e1c \u0111\u1ecbnh th\u1ee9 t\u1ef1 \u01b0u ti\u00ean tr\u01b0\u1edbc sau c\u1ee7a hai D\u1ef1 lu\u1eadt, theo \u0111\u00f3 nh\u1eefng g\u00ec Lu\u1eadt NHNN \u0111\u00e3 quy \u0111\u1ecbnh, th\u00ec Lu\u1eadt c\u00e1c TCTD d\u1ef1a theo, ch\u1ee9 kh\u00f4ng n\u00ean c\u1ee9 ph\u1ea3i d\u00ednh li\u1ec1n v\u1edbi nhau. Nh\u01b0 v\u1eady th\u00ec m\u1edbi tr\u00e1nh \u0111\u01b0\u1ee3c s\u1ef1 tr\u00f9ng l\u1eb7p kh\u00f4ng c\u1ea7n thi\u1ebft, tr\u00e1nh c\u1ee9 s\u1eeda m\u1ed9t ch\u1eef c\u1ee7a Lu\u1eadt n\u00e0y c\u0169ng l\u1ea1i ph\u1ea3i s\u1eeda m\u1ed9t ch\u1eef c\u1ee7a Lu\u1eadt kia. N\u1ebfu nh\u01b0 kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn gi\u1ea3i th\u00edch m\u1ed9t thu\u1eadt ng\u1eef kh\u00e1c nhau trong hai Lu\u1eadt, th\u00ec c\u0169ng kh\u00f4ng th\u1ebf ch\u1ea5p nh\u1eadn m\u1ed9t thu\u1eadt ng\u1eef l\u1ea1i \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch l\u1eb7p l\u1ea1i trong hai lu\u1eadt nh\u01b0 thu\u1eadt ng\u1eef \u201cho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d;<\/li>\n<li>Vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t Lu\u1eadt \u0111\u1eb7c th\u00f9 cho c\u00e1c TCTD, kh\u00e1c h\u1eb3n v\u1edbi doanh nghi\u1ec7p n\u00f3i chung theo Lu\u1eadt Doanh nghi\u1ec7p nh\u01b0 D\u1ef1 th\u1ea3o hi\u1ec7n nay l\u00e0 ho\u00e0n to\u00e0n h\u1ee3p l\u00fd. Tuy nhi\u00ean, nh\u1eefng n\u1ed9i dung n\u00e0o \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt Doanh nghi\u1ec7p m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt n\u00e0y th\u00ec s\u1ebd ph\u1ea3i th\u1ef1c hi\u1ec7n theo Lu\u1eadt Doanh nghi\u1ec7p. Do v\u1eady, c\u1ea7n c\u1ea7n ph\u1ea3i n\u00eau \u0111\u01b0\u1ee3c h\u1ebft v\u00e0 c\u1ee5 th\u1ec3 nh\u1eefng n\u1ed9i dung kh\u00e1c bi\u1ec7t \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD. V\u00ed d\u1ee5, D\u1ef1 lu\u1eadt kh\u00f4ng nh\u1eafc g\u00ec \u0111\u1ebfn Ph\u00f2ng giao d\u1ecbch, l\u00e0 kh\u00e1i ni\u1ec7m ri\u00eang c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng. Nh\u01b0 v\u1eady, s\u1ebd kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 th\u1ef1c hi\u1ec7n sau n\u00e0y, v\u00ec Lu\u1eadt Doanh nghi\u1ec7p ch\u1ec9 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 chi nh\u00e1nh v\u00e0 \u0111\u1ecba \u0111i\u1ec3m kinh doanh (\u201cdoanh nghi\u1ec7p c\u00f3 quy\u1ec1n l\u1eadp chi nh\u00e1nh, v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n\u201d), ch\u1ee9 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 lo\u1ea1i h\u00ecnh ki\u1ec3u Ph\u00f2ng giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng. V\u00ec v\u1eady c\u1ea7n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng Ph\u00f2ng giao d\u1ecbch ho\u1ea1t \u0111\u1ed9ng tr\u00e1i v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p v\u00e0 l\u1ea1i n\u1eb1m ngo\u00e0i Lu\u1eadt c\u00e1c TCTD.<\/li>\n<li>Kh\u00f4ng th\u1ec3 x\u00e2y d\u1ef1ng Lu\u1eadt c\u00e1c TCTD c\u0169ng nh\u01b0 Lu\u1eadt NHNN nh\u01b0 y\u00eau c\u1ea7u c\u1ee7a Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt l\u00e0 \u201c<em>V\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111\u1ec3 khi v\u0103n b\u1ea3n \u0111\u00f3 c\u00f3 hi\u1ec7u l\u1ef1c th\u00ec thi h\u00e0nh \u0111\u01b0\u1ee3c ngay; tr\u01b0\u1eddng h\u1ee3p trong v\u0103n b\u1ea3n c\u00f3 \u0111i\u1ec1u, kho\u1ea3n m\u00e0 n\u1ed9i dung li\u00ean quan \u0111\u1ebfn quy tr\u00ecnh, quy chu\u1ea9n k\u1ef9 thu\u1eadt, nh\u1eefng v\u1ea5n \u0111\u1ec1 ch\u01b0a c\u00f3 t\u00ednh \u1ed5n \u0111\u1ecbnh cao th\u00ec ngay t\u1ea1i \u0111i\u1ec1u, kho\u1ea3n \u0111\u00f3 c\u00f3 th\u1ec3 giao cho c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n quy \u0111\u1ecbnh chi ti\u1ebft<\/em>.\u201d<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a> v\u00ec ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng ch\u1eafc ch\u1eafn c\u00f2n ph\u1ea3i ph\u1ee5 thu\u1ed9c v\u00e0o r\u1ea5t nhi\u1ec1u v\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft. Tuy nhi\u00ean, Lu\u1eadt c\u0169ng c\u1ea7n chi ti\u1ebft ho\u00e1 t\u1ed1i \u0111a, \u0111\u1ec3 v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt c\u1ee5 th\u1ec3 ho\u00e1 c\u00f9ng m\u1ed9t \u0111i\u1ec1u lu\u1eadt kh\u00f4ng th\u1ec3 \u0111\u1eb7t ra nh\u1eefng quy \u0111\u1ecbnh ho\u00e0n to\u00e0n kh\u00e1c nhau, th\u1eadm ch\u00ed tr\u00e1i ng\u01b0\u1ee3c nhau. Nh\u01b0 th\u1ebf, th\u00ec \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt v\u00f4 hi\u1ec7u ho\u00e1 Lu\u1eadt.<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a> V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 h\u01a1n, trong \u0111\u00f3 c\u00f3 m\u1ed9t s\u1ed1 n\u1ed9i dung sau:<\/li>\n<li>V\u1ec1 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi c\u1ed5 \u0111\u00f4ng s\u00e1ng l\u1eadp ng\u00e2n h\u00e0ng (D\u1ef1 lu\u1eadt giao to\u00e0n quy\u1ec1n cho NHNN quy \u0111\u1ecbnh);<\/li>\n<li>V\u1ec1 m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi c\u00e1c TCTD (\u00edt nh\u1ea5t l\u00e0 d\u0103m ba n\u0103m t\u1edbi) (D\u1ef1 lu\u1eadt giao cho Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh);<\/li>\n<li>V\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb c\u1ea5m vay v\u1ed1n l\u00e0 \u201c<em>Ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng<\/em>\u201d v\u1eabn kh\u00f4ng r\u00f5 l\u00e0 ai (\u0110i\u1ec1u 127), trong khi tr\u00ean th\u1ef1c t\u1ebf \u0111ang b\u1ecb hi\u1ec3u theo nhi\u1ec1u c\u00e1ch kh\u00e1c nhau: Ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t \u0111\u1ed1i v\u1edbi ch\u00ednh kho\u1ea3n t\u00edn d\u1ee5ng \u0111\u00f3, ng\u01b0\u1eddi thu\u1ed9c m\u1ed9t ph\u00f2ng c\u1ea5p t\u00edn d\u1ee5ng, ng\u01b0\u1eddi thu\u1ed9c m\u1ed9t chi nh\u00e1nh v\u00e0 ng\u01b0\u1eddi thu\u1ed9c c\u1ea3 m\u1ed9t h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng;<\/li>\n<li>V\u1ec1 vi\u1ec7c \u201c\u0111\u1ea3o n\u1ee3\u201d theo Lu\u1eadt c\u00e1c TCTD hi\u1ec7n h\u00e0nh s\u1ebd b\u1ecb c\u1ea5m hay \u0111\u01b0\u1ee3c l\u00e0m c\u00f3 \u0111i\u1ec1u ki\u1ec7n (kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn \u1edf D\u1ef1 lu\u1eadt m\u1edbi). \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 r\u1ea5t quan tr\u1ecdng v\u00e0 r\u1ea5t nh\u1eady c\u1ea3m, c\u1ea7n thi\u1ebft ph\u1ea3i ch\u1ec9 r\u00f5, kh\u00f4ng n\u00ean v\u00ec kh\u00f3 m\u00e0 kh\u00f4ng quy \u0111\u1ecbnh th\u00ec s\u1ebd r\u1ea5t kh\u00f3 cho c\u00e1c TCTD.<\/li>\n<\/ul>\n<ol start=\"2\">\n<li><strong><em>V\u1ec1 gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng (c\u00e1c \u0111i\u1ec1u t\u1eeb 19-21):<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>V\u1edbi kho\u1ea3ng g\u1ea7n m\u1ed9t ch\u1ee5c \u0111i\u1ec1u ki\u1ec7n v\u1ec1 v\u1ed1n, v\u1ec1 ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 qu\u1ea3n tr\u1ecb, v\u1ec1 h\u1ed3 s\u01a1, th\u1ee7 t\u1ee5c, \u0111\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p th\u00e0nh l\u1eadp TCTD. Nh\u01b0ng l\u1ea1i ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00f2n h\u00e0ng ch\u1ee5c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c v\u1ec1 v\u1ed1n, kho ti\u1ec1n, tr\u1ee5 s\u1edf, t\u1ed5 ch\u1ee9c, b\u1ed9 m\u00e1y, qu\u1ea3n l\u00fd r\u1ee7i ro, c\u00f4ng ngh\u1ec7 th\u00f4ng tin, quy \u0111\u1ecbnh qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9&#8230; (c\u00e1c \u0111i\u1ec1u 24 v\u00e0 26) \u0111\u1ec3 TCTD \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng;<\/li>\n<li>Do \u0111\u00f3, thay v\u00ec quy \u0111\u1ecbnh c\u1ea5p chung m\u1ed9t Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng, n\u00ean xem x\u00e9t t\u00e1ch b\u1ea1ch th\u00e0nh hai lo\u1ea1i gi\u1ea5y ph\u00e9p, trong \u0111\u00f3 gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp ch\u1ec9 l\u00e0 \u0111i\u1ec1u ki\u1ec7n ban \u0111\u1ea7u (c\u00f3 t\u00ednh ch\u1ea5t nguy\u00ean t\u1eafc), l\u00e0m c\u0103n c\u1ee9 \u0111\u1ec3 tri\u1ec3n khai c\u00e1c \u0111i\u1ec1u ki\u1ec7n xin gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng.<\/li>\n<\/ul>\n<ol start=\"3\">\n<li><strong><em>V\u1ec1 th\u1eddi h\u1ea1n c\u1ea5p gi\u1ea5y ph\u00e9p (\u0110i\u1ec1u 22):<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>Th\u1eddi h\u1ea1n c\u1ea5p ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng l\u00e0 360 ng\u00e0y (ch\u01b0a k\u1ec3 th\u1eddi h\u1ea1n chu\u1ea9n b\u1ecb c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng sau khi \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p t\u1ed1i \u0111a l\u00e0 360 ng\u00e0y n\u1eefa) l\u00e0 h\u1ee3p l\u00fd;<\/li>\n<li>Tuy nhi\u00ean, n\u1ebfu t\u00e1ch ra th\u1eddi h\u1ea1n n\u00e0y th\u00e0nh hai giai \u0111o\u1ea1n c\u1ea5p ph\u00e9p: Th\u1eddi h\u1ea1n c\u1ea5p Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp l\u00e0 6 th\u00e1ng v\u00e0 th\u1eddi h\u1ea1n c\u1ea5p Gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng l\u00e0 6 th\u00e1ng nh\u01b0 \u0111\u1ec3 ngh\u1ecb \u1edf tr\u00ean th\u00ec s\u1ebd h\u1ee3p l\u00fd h\u01a1n.<\/li>\n<\/ul>\n<ol start=\"4\">\n<li><strong><em>V\u1ec1 l\u1ec7 ph\u00ed c\u1ea5p gi\u1ea5y ph\u00e9p (\u0110i\u1ec1u 23):<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>D\u1ef1 th\u1ea3o 4 tr\u01b0\u1edbc \u0111\u00e2y quy \u0111\u1ecbnh l\u1ec7 ph\u00ed c\u1ea5p gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng b\u1eb1ng 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7. Sau khi b\u1ecb k\u00eau l\u00e0 qu\u00e1 cao (khi Lu\u1eadt n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c, th\u00ec m\u1ee9c l\u1ec7 ph\u00ed t\u1ed1i thi\u1ec3u \u0111\u1ec3 th\u00e0nh l\u1eadp ng\u00e2n h\u00e0ng l\u00ean \u0111\u1ebfn 30 t\u1ef7 \u0111\u1ed3ng), thi D\u1ef1 th\u1ea3o 5 n\u00e0y l\u1ea1i \u201cbu\u00f4ng s\u00fang\u201d b\u1eb1ng quy \u0111\u1ecbnh \u201c<em>ph\u1ea3i n\u1ed9p m\u1ed9t kho\u1ea3n l\u1ec7 ph\u00ed c\u1ea5p gi\u1ea5y ph\u00e9p theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d;<\/li>\n<li>\u0110i\u1ec1u 13, Ph\u00e1p l\u1ec7nh Ph\u00ed v\u00e0 l\u1ec7 ph\u00ed n\u0103m 2001 quy \u0111\u1ecbnh \u201c<em>M\u1ee9c thu l\u1ec7 ph\u00ed \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u1ed1i v\u1edbi t\u1eebng c\u00f4ng vi\u1ec7c, kh\u00f4ng nh\u1eb1m m\u1ee5c \u0111\u00edch b\u00f9 \u0111\u1eafp chi ph\u00ed,\u2026<\/em>\u201d. Nh\u01b0 v\u1eady, theo \u0111\u00fang tinh th\u1ea7n \u1ea5y th\u00ec l\u1ec7 ph\u00ed c\u1ea5p ph\u00e9p ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f2n l\u00e0 m\u1ed9t v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng kh\u00f4ng h\u01a1n;<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb ph\u1ea3i gi\u1eef quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 m\u1ee9c l\u1ec7 ph\u00ed. Tuy nhi\u00ean, thay v\u00ec \u1ea5n \u0111\u1ecbnh m\u1ee9c l\u1ec7 ph\u00ed b\u1eb1ng 1%, th\u00ec c\u1ea7n x\u1eed l\u00fd theo ph\u01b0\u01a1ng \u00e1n ch\u1ec9 l\u00e0 0,1% (gi\u1ea3m xu\u1ed1ng 10 l\u1ea7n) nh\u01b0ng k\u00e8m theo m\u1ed9t kho\u1ea3n k\u00fd qu\u1ef9 v\u00e0i ph\u1ea7n tr\u0103m trong su\u1ed1t qu\u00e1 tr\u00ecnh t\u1eeb khi n\u1ed9p h\u1ed3 s\u01a1 xin ph\u00e9p th\u00e0nh l\u1eadp cho \u0111\u1ebfn khi \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng. Nh\u01b0 v\u1eady, s\u1ebd dung h\u00f2a \u0111\u01b0\u1ee3c gi\u1eefa m\u1ee5c ti\u00eau \u0111\u1eb7t ra r\u00e0o c\u1ea3n h\u1ee3p l\u00fd v\u1edbi l\u1ee3i \u00edch c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0. \u0110\u1ed3ng th\u1eddi c\u00f2n h\u1ea1n ch\u1ebf t\u1ed5n th\u1ea5t cho c\u00e1c TCTD \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p th\u00e0nh l\u1eadp m\u00e0 v\u00ec l\u00fd do n\u00e0o \u0111\u00f3 kh\u00f4ng khai tr\u01b0\u01a1ng ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c.<\/li>\n<\/ul>\n<ol start=\"5\">\n<li><strong><em>V\u1ec1 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f9ng \u0111\u1ea3m nhi\u1ec7m ch\u1ee9c v\u1ee5 (kho\u1ea3n 1, \u0110i\u1ec1u 33 &#8211; Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f9ng \u0111\u1ea3m nhi\u1ec7m ch\u1ee9c v\u1ee5):<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>Quy \u0111\u1ecbnh th\u00e0nh vi\u00ean H\u0110QT, th\u00e0nh vi\u00ean H\u0110TV kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ed3ng th\u1eddi l\u00e0 \u201cNg\u01b0\u1eddi qu\u1ea3n l\u00fd c\u1ee7a TCTD kh\u00e1c\u201d. Tuy nhi\u00ean, theo kh\u00e1i ni\u1ec7m v\u1ec1 Ng\u01b0\u1eddi qu\u1ea3n l\u00fd t\u1ea1i kho\u1ea3n 33, \u0110i\u1ec1u 4, th\u00ec ngo\u00e0i Ch\u1ee7 t\u1ecbch, th\u00e0nh vi\u00ean H\u0110QT, Ch\u1ee7 t\u1ecbch, th\u00e0nh vi\u00ean H\u0110TV, T\u1ed5ng gi\u00e1m \u0111\u1ed1c (Gi\u00e1m \u0111\u1ed1c)\u201d c\u00f2n c\u00f3 th\u1ec3 c\u00f3 \u201cc\u00e1c ch\u1ee9c danh qu\u1ea3n l\u00fd kh\u00e1c theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u l\u1ec7 c\u1ee7a TCTD\u201d. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p Lu\u1eadt kh\u00f4ng c\u1ea5m, nh\u01b0ng do \u0110i\u1ec1u l\u1ec7 m\u1edf r\u1ed9ng kh\u00e1i ni\u1ec7m Ng\u01b0\u1eddi qu\u1ea3n l\u00fd, n\u00ean l\u1ea1i tr\u1edf th\u00e0nh \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb c\u1ea5m. Ng\u01b0\u1ee3c l\u1ea1i l\u00e0 quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m c, kho\u1ea3n 1, \u0110i\u1ec1u 50 (\u0110i\u1ec1u ki\u1ec7n, ti\u00eau chu\u1ea9n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi qu\u1ea3n l\u00fd, ng\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh v\u00e0 m\u1ed9t s\u1ed1 ch\u1ee9c danh kh\u00e1c c\u1ee7a TCTD), \u201cc\u00f3 \u00edt nh\u1ea5t 3 n\u0103m l\u00e0 ng\u01b0\u1eddi qu\u1ea3n l\u00fd c\u1ee7a TCTD\u201d, c\u00f3 th\u1ec3 x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p theo Lu\u1eadt th\u00ec kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c, nh\u01b0ng theo \u0110i\u1ec1u l\u1ec7 th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c;<\/li>\n<li>V\u00ec v\u1eady, trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00e0y, c\u1ea7n li\u1ec7t k\u00ea nh\u1eefng ch\u1ee9c danh b\u1ecb c\u1ea5m thay v\u00ec s\u1eed d\u1ee5ng thu\u1eadt ng\u1eef chung ho\u1eb7c kh\u00f4ng m\u1edf r\u1ed9ng kh\u00e1i ni\u1ec7m Ng\u01b0\u1eddi qu\u1ea3n l\u00fd.<\/li>\n<\/ul>\n<ol start=\"6\">\n<li><strong><em>V\u1ec1 th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh l\u1ef1a ch\u1ecdn t\u1ed5 ch\u1ee9c ki\u1ebfm to\u00e1n \u0111\u1ed9c l\u1eadp (\u0111i\u1ec3m n, kho\u1ea3n 3, \u0110i\u1ec1u 59 &#8211; \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng):<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>Ngh\u1ecb \u0111\u1ecbnh 49\/2000\/N\u0110-CP giao cho H\u0110QT. Ngh\u1ecb \u0111\u1ecbnh 59\/2009\/N\u0110-CP ng\u00e0y 16-7-2009 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 s\u1eafp c\u00f3 hi\u1ec7u l\u1ef1c c\u0169ng giao cho H\u0110QT l\u1ef1a ch\u1ecdn t\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n \u0111\u1ed9c l\u1eadp. Ch\u00fang t\u00f4i \u0111\u00e3 g\u00f3p \u00fd giao cho H\u0110QT t\u1ea1i D\u1ef1 th\u1ea3o 4, nh\u01b0ng D\u1ef1 th\u1ea3o 5 l\u1ea1i v\u1eabn \u0111\u1ec3 thu\u1ed9c th\u1ea9m quy\u1ec1n c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng;<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb giao th\u1ea9m quy\u1ec1n n\u00e0y cho H\u0110QT, v\u00ec vi\u1ec7c l\u1ef1a ch\u1ecdn ph\u1ea3i th\u1ef1c hi\u1ec7n v\u00e0o cu\u1ed1i n\u0103m t\u00e0i ch\u00ednh, trong khi cu\u1ed9c h\u1ecdp th\u01b0\u1eddng k\u1ef3 \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng l\u1ea1i v\u00e0o \u0111\u1ea7u n\u0103m. Tr\u00ean th\u1ef1c t\u1ebf \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng c\u00f3 l\u1ef1a ch\u1ecdn th\u00ec c\u0169ng ch\u1ec9 th\u00f4ng qua m\u1ed9t danh s\u00e1ch t\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n chung chung t\u1eeb \u0111\u1ea7u n\u0103m ho\u1eb7c l\u1ea1i bu\u1ed9c ph\u1ea3i u\u1ef7 quy\u1ec1n cho H\u0110QT.<\/li>\n<\/ul>\n<ol start=\"7\">\n<li><strong><em>V\u1ec1 Nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb (\u0110i\u1ec1u 63): <\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>Kho\u1ea3n 11 quy \u0111\u1ecbnh H\u0110QT c\u00f3 tr\u00e1ch nhi\u1ec7m \u201c<em>Ban h\u00e0nh c\u00e1c Quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 li\u00ean quan \u0111\u1ebfn t\u1ed5 ch\u1ee9c, qu\u1ea3n tr\u1ecb v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 c\u1ee7a Lu\u1eadt n\u00e0y, tr\u1eeb nh\u1eefng v\u1ea5n \u0111\u1ec1 thu\u1ed9c th\u1ea9m quy\u1ec1n c\u1ee7a Ban ki\u1ec3m so\u00e1t ho\u1eb7c c\u1ee7a \u0110\u1ea1i H\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng.<\/em>\u201d<\/li>\n<li>C\u1ea7n xem l\u1ea1i quy \u0111\u1ecbnh n\u00e0y, v\u00ec m\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 h\u00e0ng tr\u0103m quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng. Quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0y th\u00ec s\u1ebd \u0111\u01b0\u1ee3c hi\u1ec3u r\u1eb1ng T\u1ed5ng gi\u00e1m \u0111\u1ed1c s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ban h\u00e0nh c\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh, h\u01b0\u1edbng d\u1eabn v\u1ec1 nghi\u1ec7p v\u1ee5 \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho \u0111i\u1ec1u h\u00e0nh c\u00f4ng vi\u1ec7c h\u1eb1ng ng\u00e0y.<\/li>\n<\/ul>\n<ol start=\"8\">\n<li><strong><em>V\u1ec1 ph\u1ea1m vi \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng (kho\u1ea3n 2, \u0110i\u1ec1u 90):<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>D\u1ef1 lu\u1eadt quy \u0111\u1ecbnh \u201c<em>TCTD kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p ti\u1ebfn h\u00e0nh b\u1ea5t k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o ngo\u00e0i c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c quy \u0111\u1ecbnh trong gi\u1ea5y ph\u00e9p do NHNN c\u1ea5p cho TCTD<\/em>\u201d. Nh\u01b0 v\u1eady, TCTD ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt cho ph\u00e9p, hay n\u00f3i c\u00e1ch kh\u00e1c, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD ph\u1ea3i b\u00e1m s\u00e1t t\u1eebng ch\u1eef ghi trong gi\u1ea5y ph\u00e9p (k\u1ec3 c\u1ea3 gi\u1ea5y ph\u00e9p \u201ccon\u201d). \u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh qu\u00e1 kh\u1eaft khe, s\u1ebd n\u1ea3y sinh nhi\u1ec1u v\u01b0\u1edbng m\u1eafc b\u1ea5t h\u1ee3p l\u00fd. Quy \u0111\u1ecbnh n\u00e0y s\u1ebd l\u00e0m cho n\u1ed9i dung trong gi\u1ea5y ph\u00e9p v\u1eeba th\u1eeba, v\u1eeba thi\u1ebfu v\u00e0 c\u1ee9 ph\u1ea3i thay \u0111\u1ed5i li\u00ean t\u1ee5c m\u00e0 ch\u01b0a ch\u1eafc \u0111\u00e3 ch\u1ec9 ra \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3 n\u00e0o \u0111\u01b0\u1ee3c ph\u00e9p. V\u00ed d\u1ee5 gi\u1ea5y ph\u00e9p c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng hi\u1ec7n nay ghi: \u201c<em>Th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n qu\u1ed1c t\u1ebf theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d, th\u00ec c\u0169ng ch\u01b0a th\u1ec3 bi\u1ebft l\u00e0 TCTD \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c hay ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n qu\u1ed1c t\u1ebf;<\/li>\n<li>C\u1ea7n s\u1eeda l\u1ea1i \u0111i\u1ec1u n\u00e0y theo h\u01b0\u1edbng, TCTD \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh m\u1ecdi ho\u1ea1t \u0111\u1ed9ng kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c NHNN cho ph\u00e9p n\u00f3i chung (c\u00f3 th\u1ec3 l\u00e0 cho nhi\u1ec1u TCTD), thay v\u00ec ph\u1ea3i ghi c\u1ee5 th\u1ec3 trong t\u1eebng gi\u1ea5y ph\u00e9p. Ho\u1eb7c l\u00e0 NHNN c\u00f4ng b\u1ed1 c\u1ee5 th\u1ec3 danh m\u1ee5c c\u00e1c nghi\u1ec7p v\u1ee5 k\u00e8m theo c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3 \u0111\u1ec3 th\u1ef1c hi\u1ec7n. TCTD c\u0103n c\u1ee9 v\u00e0o nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3, n\u1ebfu \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c th\u00ec ch\u1ec9 c\u1ea7n \u0111\u0103ng k\u00fd v\u1edbi NHNN, th\u1eadm ch\u00ed ch\u1ec9 c\u1ea7n b\u00e1o c\u00e1o (th\u00f4ng b\u00e1o) NHNN.<\/li>\n<\/ul>\n<ol start=\"9\">\n<li><strong><em>V\u1ec1 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay (\u0110i\u1ec1u 91): <\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh: TCTD \u0111\u01b0\u1ee3c quy\u1ec1n \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t v\u00e0 \u201cc\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t\u201d. Quy \u0111\u1ecbnh nh\u01b0 v\u1eady v\u1eabn kh\u00f4ng th\u1ec3 b\u1ee9t \u0111\u01b0\u1ee3c ra kh\u1ecfi vi\u1ec7c kh\u1ed1ng ch\u1ebf l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1\u00a0 b\u1ea3n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 476 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1;<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb c\u1ea7n quy \u0111\u1ecbnh r\u00f5 h\u01a1n \u0111\u1ec3 tho\u00e1t kh\u1ecfi tr\u1ea7n l\u00e3i su\u1ea5t tr\u00ean, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t. V\u1ec1 y\u00eau c\u1ea7u chung, U\u1ef7 ban Kinh t\u1ebf c\u1ea7n ti\u1ebfp t\u1ee5c ki\u1ebfn ngh\u1ecb s\u1eeda tr\u1ea7n l\u00e3i su\u1ea5t n\u00f3i tr\u00ean \u0111\u1ec3 tr\u00e1nh v\u01b0\u1edbng m\u1eafc trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD n\u00f3i ri\u00eang c\u0169ng nh\u01b0 \u0111\u1ed1i v\u1edbi m\u1ecdi quan h\u1ec7 kinh t\u1ebf, d\u00e2n s\u1ef1 n\u00f3i chung.<\/li>\n<\/ul>\n<ol start=\"10\">\n<li><strong><em>V\u1ec1 vi\u1ec7c c\u1ea5m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i tr\u1ef1c ti\u1ebfp mua b\u00e1n c\u1ed5 phi\u1ebfu (\u0110i\u1ec1u 107): <\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u0110i\u1ec3m b, kho\u1ea3n 2, quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c mua b\u00e1n c\u1ed5 phi\u1ebfu th\u00f4ng qua c\u00f4ng ty con, c\u00f4ng ty li\u00ean k\u1ebft. Tuy nhi\u00ean n\u1ebfu l\u00e0 vi\u1ec7c g\u00f3p v\u1ed1n mua c\u1ed5 ph\u1ea7n \u0111\u1ec3 th\u00e0nh l\u1eadp c\u00f4ng ty ho\u1eb7c khi t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n. Vi\u1ec7c n\u00e0y c\u0169ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng mua c\u1ed5 phi\u1ebfu v\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e9p mua th\u00ec khi c\u1ea7n thi\u1ebft c\u0169ng s\u1ebd \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u01b0\u1ee3c b\u00e1n;<\/li>\n<li>Do v\u1eady c\u1ea7n xem l\u1ea1i, quy \u0111\u1ecbnh theo h\u01b0\u1edbng h\u1ea1n ch\u1ebf ch\u1ee9 kh\u00f4ng c\u1ea5m to\u00e0n b\u1ed9.<\/li>\n<\/ul>\n<ol start=\"11\">\n<li><strong><em>V\u1ec1 vi\u1ec7c cho vay \u0111\u1ea7u t\u01b0, kinh doanh c\u1ed5 phi\u1ebfu (kho\u1ea3n 1, \u0110i\u1ec1u 126 \u2013 Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng):<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>Theo gi\u1ea3i th\u00edch hi\u1ec7n nay, kh\u00e1i ni\u1ec7m cho vay \u0111\u1ea7u t\u01b0, kinh doanh c\u1ed5 phi\u1ebfu r\u1ea5t r\u1ed9ng, n\u00ean c\u1ea7n ph\u1ea3i xem l\u1ea1i. V\u00ed d\u1ee5 cho vay c\u1ea7m c\u1ed1 b\u1eb1ng Th\u1ebb ti\u1ebft ki\u1ec7m \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu hay cho vay thanh to\u00e1n tr\u01b0\u1edbc ti\u1ec1n b\u00e1n c\u1ed5 phi\u1ebfu \u0111\u00e3 kh\u1edbp l\u1ec7nh tr\u00ean S\u1edf Giao d\u1ecbch ch\u1ee9ng kho\u00e1n, th\u00ec r\u1ee7i ro g\u1ea7n nh\u01b0 b\u1eb1ng kh\u00f4ng v\u00e0 c\u0169ng kh\u00f4ng t\u00e1c \u0111\u1ed9ng x\u1ea5u \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng, th\u00ec kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u1ea5m tri\u1ec7t \u0111\u1ec3;<\/li>\n<li>Do v\u1eady, D\u1ef1 th\u1ea3o ch\u1ec9 n\u00ean \u0111\u1eb7t ra nguy\u00ean t\u1eafc gi\u1edbi h\u1ea1n hay giao quy\u1ec1n \u201cc\u1ea5m hay kh\u00f4ng c\u1ea5m\u201d cho NHNN thay v\u00ec c\u1ea5m to\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y.<\/li>\n<\/ul>\n<ol start=\"12\">\n<li><strong><em>V\u1ec1 gi\u1edbi h\u1ea1n b\u1ecb h\u1ea1n ch\u1ebf c\u1ea5p t\u00edn d\u1ee5ng (\u0110i\u1ec1u 127): <\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>Kho\u1ea3n 2 quy \u0111\u1ecbnh T\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 5\/6 \u0111\u1ed1i t\u01b0\u1ee3ng t\u1ea1i kho\u1ea3n 1 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 5% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a TCTD. Nh\u01b0ng kho\u1ea3n 4 l\u1ea1i quy \u0111\u1ecbnh T\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi 1\/6 \u0111\u1ed1i t\u01b0\u1ee3ng t\u1ea1i kho\u1ea3n 1 l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p l\u00ean \u0111\u1ebfn 10% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a TCTD;<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb kh\u00f4ng t\u00e1ch ri\u00eang t\u1ef7 l\u1ec7 gi\u1edbi h\u1ea1n th\u00e0nh hai nh\u00f3m v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u1ea7n t\u0103ng t\u1ef7 l\u1ec7 gi\u1edbi h\u1ea1n \u0111\u1ed1i v\u1edbi c\u1ea3 6 \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y t\u1eeb 5 l\u00ean 20% v\u1ed1n t\u1ef1 c\u00f3.<\/li>\n<\/ul>\n<ol start=\"13\">\n<li><strong><em>V\u1ec1 th\u1eddi h\u1ea1n x\u1eed l\u00fd v\u01b0\u1edbng m\u1eafc (\u0110i\u1ec1u 162): <\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>Ngh\u1ecb \u0111\u1ecbnh 59\/2009\/N\u0110-CP ng\u00e0y 16-7-2009 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 quy \u0111\u1ecbnh th\u1eddi h\u1ea1n \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m quy \u0111\u1ecbnh m\u1edbi, nh\u01b0 v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u1ed1n c\u1ed5 ph\u1ea7n l\u00e0 2 n\u0103m, t\u1ee9c l\u00e0 15-9-2011 ph\u1ea3i gi\u1ea3m xu\u1ed1ng. Lu\u1eadt n\u00e0y d\u1ef1 ki\u1ebfn c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2011 v\u00e0 l\u1ea1i cho ph\u00e9p th\u1eddi h\u1ea1n 2 n\u0103m ti\u1ebfp theo \u0111\u1ec3 x\u1eed l\u00fd. Ri\u00eang v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u1ed1n c\u1ed3 ph\u1ea7n th\u00ec l\u1ea1i giao cho \u201cNHNN h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 th\u1eddi h\u1ea1n, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c chuy\u1ec3n ti\u1ebfp \u0111\u1ed1i v\u1edbi TCTD\u201d<\/li>\n<li>Nh\u01b0 v\u1eady s\u1ebd hi\u1ec3u l\u00e0 2 n\u0103m n\u1eefa hay 4 n\u0103m n\u1eefa hay trong th\u1eddi h\u1ea1n n\u00e0o, c\u00e1c ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n ph\u1ea3i gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n xu\u1ed1ng theo \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt? \u0110\u00e2y l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 r\u1ea5t l\u1edbn, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn v\u1eadn m\u1ec7nh c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n, n\u00ean c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 theo h\u01b0\u1edbng b\u1ea3o \u0111\u1ea3m th\u1eddi h\u1ea1n x\u1eed l\u00fd m\u1ed9t c\u00e1ch th\u1eadt h\u1ee3p l\u00fd.<\/li>\n<\/ul>\n<ol start=\"14\">\n<li><strong><em>V\u1ec1 c\u00e2u ch\u1eef, k\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o: <\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>B\u00ean c\u1ea1nh m\u1ed9t s\u1ed1 \u0111i\u1ec3m g\u00f3p \u00fd t\u1ea1i D\u1ef1 th\u1ea3o 4 \u0111\u00e3 \u0111\u01b0\u1ee3c ti\u1ebfp thu t\u1ea1i D\u1ef1 th\u1ea3o n\u00e0y nh\u01b0 s\u1eeda th\u1ed1ng nh\u1ea5t \u201dh\u00e0ng ng\u00e0y\u201d th\u00e0nh \u201dh\u1eb1ng ng\u00e0y\u201d, \u201d\u0111\u1ea3m b\u1ea3o\u201d th\u00e0nh \u201db\u1ea3o \u0111\u1ea3m\u201d,&#8230; th\u00ec v\u1eabn c\u00f3 nhi\u1ec1u t\u1eeb ng\u1eef \u0111\u00e3 \u0111\u01b0\u1ee3c g\u00f3p \u00fd nh\u01b0ng ch\u01b0a th\u1ea5y thay \u0111\u1ed5i trong. V\u00ed d\u1ee5:<\/li>\n<li>B\u00ean c\u1ea1nh c\u1ee5m t\u1eeb \u201dtrong th\u1eddi h\u1ea1n\u201d th\u00ec c\u00f2n xu\u1ea5t hi\u1ec7n nhi\u1ec1u c\u1ee5m t\u1eeb \u201dtrong v\u00f2ng\u201d c\u0169ng \u0111\u1ec3 di\u1ec5n \u0111\u1ea1t 1 ngh\u0129a nh\u01b0 nhau, nh\u01b0 kho\u1ea3n 2, \u0110i\u1ec1u 35 vi\u1ebft \u201dH\u0110QT&#8230; ph\u1ea3i c\u00f3 v\u0103n b\u1ea3n b\u00e1o c\u00e1o&#8230; g\u1eedi NHNN <em>trong v\u00f2ng<\/em> 05 ng\u00e0y l\u00e0m vi\u1ec7c&#8230;\u201d. B\u00ean c\u1ea1nh t\u1eeb \u201dth\u1eddi h\u1ea1n\u201d l\u1ea1i xu\u1ea5t hi\u1ec7n c\u1ee5m t\u1eeb \u201dtrong th\u1eddi gian\u201d c\u0169ng \u0111\u1ed3ng ngh\u0129a, nh\u01b0 kho\u1ea3n 2, \u0110i\u1ec1u 162 \u201d<em>Trong th\u1eddi gian<\/em> <em>t\u1ed1i \u0111a<\/em> 2 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y Lu\u1eadt n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh&#8230;\u201d.<\/li>\n<li><em>T\u01b0\u01a1ng t\u1ef1 v\u1ec1 t\u1eeb ng\u1eef l\u00e0 2 t\u1eeb \u201cquy \u0111\u1ecbnh\u201d v\u00e0 \u201cquy ch\u1ebf\u201d:<\/em> Ch\u1ed7 th\u00ec vi\u1ebft quy \u0111\u1ecbnh n\u1ed9i b\u1ed9, ch\u1ed7 th\u00ec l\u00e0 quy ch\u1ebf n\u1ed9i b\u1ed9. Ch\u1ed7 n\u00e0y th\u00ec H\u0110QT ban h\u00e0nh quy ch\u1ebf, TG\u0110 ban h\u00e0nh quy \u0111\u1ecbnh, ch\u1ed7 kh\u00e1c th\u00ec vi\u1ebft ng\u01b0\u1ee3c l\u1ea1i, TG\u0110 ban h\u00e0nh quy ch\u1ebf, H\u0110QT ban h\u00e0nh quy \u0111\u1ecbnh. T\u00f3m l\u1ea1i l\u00e0 \u0111\u1ea3o t\u1eed ng\u1eef, th\u1ea9m quy\u1ec1n h\u00e0ng ch\u1ee5c l\u1ea7n, kh\u00f4ng c\u00f2n bi\u1ebft \u0111\u1eb1ng n\u00e0o m\u00e0 l\u1ea7n;<\/li>\n<li>Nh\u1eefng t\u1eeb ng\u1eef c\u1ea7n gi\u1ea3i th\u00edch trong D\u1ef1 lu\u1eadt, ngo\u00e0i l\u00fd do chuy\u00ean ng\u00e0nh kh\u00f3 hi\u1ec3u, c\u1ea7n m\u1ed9t s\u1ef1 th\u1ed1ng nh\u1ea5t, th\u00ec \u0111i\u1ec1u b\u1eaft bu\u1ed9c l\u00e0 ph\u1ea3i s\u1eed d\u1ee5ng nhi\u1ec1u l\u1ea7n, l\u1eb7p \u0111i l\u1eb7p l\u1ea1i. Do v\u1eady, nh\u1eefng t\u1eeb ng\u1eef ch\u1ec9 xu\u1ea5t hi\u1ec7n 1 l\u1ea7n (ngo\u00e0i l\u1ea7n gi\u1ea3i th\u00edch) ho\u1eb7c xu\u1ea5t hi\u1ec7n v\u00e0i l\u1ea7n nh\u01b0ng ch\u1ec9 t\u1ea1i m\u1ed9t \u0111i\u1ec1u lu\u1eadt, th\u00ec vi\u1ec7c \u0111\u1ecbnh ngh\u0129a t\u1ea1i m\u1ed9t \u0111i\u1ec1u chung l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, m\u00e0 ch\u1ec9 c\u1ea7n \u0111\u1ecbnh ngh\u0129a ngay t\u1ea1i \u0111i\u1ec1u kho\u1ea3n m\u00e0 n\u00f3 xu\u1ea5t hi\u1ec7n. V\u00ed d\u1ee5 c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:<\/li>\n<li>Thu\u1eadt ng\u1eef \u201cM\u00f4i gi\u1edbi ti\u1ec1n t\u1ec7\u201d (kho\u1ea3n 22, \u0110i\u1ec1u 4), ch\u1ec9 xu\u1ea5t hi\u1ec7n th\u00eam 1 l\u1ea7n t\u1ea1i \u0111i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 107 (C\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c);<\/li>\n<li>Thu\u1eadt ng\u1eef \u201cC\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u01b0\u1edbi h\u00ecnh th\u1ee9c g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n nh\u1eb1m n\u1eafm quy\u1ec1n ki\u1ec3m so\u00e1t doanh nghi\u1ec7p\u201d (kho\u1ea3n 26, \u0110i\u1ec1u 4), ch\u1ec9 xu\u1ea5t hi\u1ec7n 1 l\u1ea7n n\u1eefa t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 130 (T\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n) (nh\u01b0ng c\u00f3 th\u00eam ch\u1eef \u201cc\u00e1c\u201d tr\u01b0\u1edbc ch\u1eef \u201cdoanh nghi\u1ec7p\u201d. C\u00f2n m\u1ed9t s\u1ed1 \u0111i\u1ec1u kh\u00e1c th\u00ec ch\u1ec9 s\u1eed d\u1ee5ng m\u1ed9t ph\u1ea7n c\u1ee7a c\u1ee5m t\u1eeb \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a;<\/li>\n<li>Thu\u1eadt ng\u1eef \u201cS\u1edf h\u1eefu gi\u00e1n ti\u1ebfp\u201d (kho\u1ea3n 28, \u0110i\u1ec1u 4), ch\u1ec9 d\u00f9ng cho ch\u00ednh \u0111i\u1ec1u v\u1ec1 \u0111\u1ecbnh ngh\u0129a, kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eafc l\u1ea1i \u1edf b\u1ea5t c\u1ee9 \u0111i\u1ec1u n\u00e0o kh\u00e1c (\u0110i\u1ec1u 50 th\u00ec l\u1ea1i nh\u1eafc \u0111\u1ebfn c\u1ee5m t\u1eeb \u201cgi\u00e1n ti\u1ebfp s\u1edf h\u1eefu\u201d);<\/li>\n<li>N\u1ebfu nh\u01b0 \u0111\u1ecbnh ngh\u0129a c\u00e1c t\u1eeb ng\u1eef tr\u00ean, th\u00ec kh\u00f4ng c\u00f3 l\u00fd g\u00ec kh\u00f4ng gi\u1ea3i ngh\u0129a c\u00e1c t\u1eeb, c\u1ee5m t\u1eeb \u201dph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n\u201d (kho\u1ea3n 14, \u0110i\u1ec1u 4; \u0111i\u1ec3m a, kho\u1ea3n 4, \u0110i\u1ec1u 98 &#8211; Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i); \u201dc\u00f4ng ty ki\u1ec3m so\u00e1t\u201d (\u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn 32 l\u1ea7n); \u201dthanh kho\u1ea3n\u201d (\u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng 2 l\u1ea7n t\u1ea1i \u0111i\u1ec3m d, kho\u1ea3n 2, \u0110i\u1ec1u 93 &#8211; Quy \u0111\u1ecbnh n\u1ed9i b\u1ed9); \u201dcam k\u1ebft ngo\u1ea1i b\u1ea3ng\u201d (\u0111i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 130 &#8211; T\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n).<\/li>\n<li>X\u00e1c \u0111\u1ecbnh c\u1ee5m t\u1eeb \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a kh\u00f4ng ch\u00ednh x\u00e1c, nh\u01b0:<\/li>\n<li>\u0110\u1ecbnh ngh\u0129a thu\u1eadt ng\u1eef \u201cTh\u00e0nh vi\u00ean \u0111\u1ed9c l\u1eadp c\u1ee7a H\u0110QT\u201d (kho\u1ea3n 29, \u0110i\u1ec1u 4), nh\u01b0ng sau \u0111\u00f3 ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eafc l\u1ea1i 1 l\u1ea7n t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 50 (\u0110i\u1ec1u ki\u1ec7n, ti\u00eau chu\u1ea9n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi qu\u1ea3n l\u00fd, ng\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh v\u00e0 m\u1ed9t s\u1ed1 ch\u1ee9c danh kh\u00e1c c\u1ee7a TCTD), c\u00f2n l\u1ea1i th\u00ec s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb \u201cTh\u00e0nh vi\u00ean \u0111\u1ed9c l\u1eadp\u201d. V\u00ec v\u1eady c\u1ea7n \u0111\u1ecbnh ngh\u0129a c\u1ee5m t\u1eeb \u201cTh\u00e0nh vi\u00ean \u0111\u1ed9c l\u1eadp\u201d thay v\u00ec c\u1ea3 c\u1ee5m t\u1eeb \u201cTh\u00e0nh vi\u00ean \u0111\u1ed9c l\u1eadp c\u1ee7a H\u0110QT\u201d.<\/li>\n<li>\u0110\u1ecbnh ngh\u0129a thu\u1eadt ng\u1eef \u201cG\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a TCTD\u201d (kho\u1ea3n 25, \u0110i\u1ec1u 4), nh\u01b0ng sau \u0111\u00f3 ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn 1 l\u1ea7n t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 135 (G\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n gi\u1eefa c\u00e1c c\u00f4ng ty con, c\u00f4ng ty li\u00ean k\u1ebft, c\u00f4ng ty ki\u1ec3m so\u00e1t), c\u00f2n l\u1ea1i th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb \u201cG\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n\u201d. V\u00ec v\u1eady c\u1ea7n \u0111\u1ecbnh ngh\u0129a c\u1ee5m t\u1eeb \u201cG\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n\u201d thay v\u00ec c\u1ea3 c\u1ee5m t\u1eeb \u201cG\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a TCTD\u201d.<\/li>\n<li><em>V\u1ec1 <\/em><em>quy \u0111\u1ecbnh m\u1ed9t s\u1ed1 nghi\u1ec7p v\u1ee5 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u201ctheo quy \u0111\u1ecbnh c\u1ee7a NHNN\u201d(k<\/em><em>ho\u1ea3n<\/em><em> 13 v\u00e0 14, \u0110i\u1ec1u 4 &#8211; Gi\u1ea3i th\u00edch t\u1eeb ng\u1eef)<\/em>: Quy \u0111\u1ecbnh n\u00e0y thi\u1ebfu ch\u00ednh x\u00e1c, v\u00ec hi\u1ec7n nay m\u1ed9t s\u1ed1 n\u1ed9i dung \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt hay Ngh\u1ecb \u0111\u1ecbnh, nh\u01b0 Lu\u1eadt c\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng quy \u0111\u1ecbnh v\u1ec1 chi\u1ebft kh\u1ea5u h\u1ed1i phi\u1ebfu, hay \u0111\u00e3 c\u00f3 Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n qua c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n,&#8230;.;<\/li>\n<li>C\u1ea7n thay ch\u1eef \u201cm\u1edf\u201d b\u1eb1ng ch\u1eef \u201cl\u1eadp\u201d t\u1ea1i \u0110i\u1ec1u 1 (Ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh), kho\u1ea3n 4, \u0110i\u1ec1u 2 (\u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng); kho\u1ea3n 10, \u0110i\u1ec1u 4 (Gi\u1ea3i th\u00edch t\u1eeb ng\u1eef); \u0111i\u1ec3m i, kho\u1ea3n 2, \u0110i\u1ec1u 20 (\u0110i\u1ec1u ki\u1ec7n c\u1ea5p Gi\u1ea5y ph\u00e9p); kho\u1ea3n 1, \u0110i\u1ec1u 30 (C\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c m\u1ea1ng l\u01b0\u1edbi); kho\u1ea3n 4, \u0110i\u1ec1u 63 (Nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb); kho\u1ea3n 2, \u0110i\u1ec1u 158 (Nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a NHNN). C\u1ee5m t\u1eeb \u201cm\u1edf chi nh\u00e1nh\u201d l\u00e0 t\u1eeb ng\u1eef d\u00e2n d\u00e3, kh\u00f4ng th\u1ed1ng nh\u1ea5t v\u1edbi quy \u0111\u1ecbnh l\u1eadp Chi nh\u00e1nh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p (nh\u1ea5t l\u00e0 trong \u0111\u0103ng k\u00fd kinh doanh). N\u1ebfu quy \u0111\u1ecbnh l\u00e0 \u201cm\u1edf\u201d chi nh\u00e1nh th\u00ec ng\u01b0\u1ee3c v\u1edbi vi\u1ec7c \u0111\u00f3 ph\u1ea3i l\u00e0 \u201c\u0111\u00f3ng\u201d chi nh\u00e1nh, nh\u01b0ng trong D\u1ef1 lu\u1eadt \u0111ang s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb \u201cch\u1ea5m d\u1ee9t ho\u1ea1t \u0111\u1ed9ng\u201d c\u1ee7a chi nh\u00e1nh;<\/li>\n<li>C\u1ea7n thay c\u1ee5m t\u1eeb \u201cT\u1ed5ng gi\u00e1m \u0111\u1ed1c (Gi\u00e1m \u0111\u1ed1c)\u201d b\u1eb1ng c\u1ee5m t\u1eeb \u201cT\u1ed5ng gi\u00e1m \u0111\u1ed1c ho\u1eb7c Gi\u00e1m \u0111\u1ed1c\u201d (thay ngo\u1eb7c \u0111\u01a1n b\u1eb1ng ch\u1eef ho\u1eb7c) nh\u01b0 Lu\u1eadt Doanh nghi\u1ec7p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 r\u00f5 r\u00e0ng, ch\u00ednh x\u00e1c;<\/li>\n<li>C\u1ea7n s\u1eeda c\u1ee5m t\u1eeb \u201cquy \u0111\u1ecbnh c\u1ee7a NHNN\u201d (xu\u1ea5t hi\u1ec7n 38 l\u1ea7n) th\u00e0nh \u201dquy \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN\u201d v\u00e0 s\u1eeda c\u1ee5m t\u1eeb \u201dNHNN quy \u0111\u1ecbnh\u201d (xu\u1ea5t hi\u1ec7n 25 l\u1ea7n) th\u00e0nh \u201dTh\u1ed1ng \u0111\u1ed1c NHNN quy \u0111\u1ecbnh\u201d cho cho \u0111\u00fang v\u1edbi th\u1ea9m quy\u1ec1n theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 2008;<\/li>\n<li>Kh\u00f4ng th\u1ed1ng nh\u1ea5t c\u00e1ch vi\u1ebft hoa m\u1ed9t s\u1ed1 t\u1eeb, c\u1ee5m t\u1eeb nh\u01b0: \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng v\u00e0 \u0110\u1ea1i <em>H<\/em>\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng, H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb v\u00e0 H\u1ed9i \u0111\u1ed3ng <em>Q<\/em>u\u1ea3n tr\u1ecb, Ban ki\u1ec3m so\u00e1t v\u00e0 Ban <em>K<\/em>i\u1ec3m so\u00e1t, T\u1ed5ng gi\u00e1m \u0111\u1ed1c v\u00e0 T\u1ed5ng <em>G<\/em>i\u00e1m \u0111\u1ed1c (xu\u1ea5t hi\u1ec7n 31 ch\u1eef T\u1ed5ng <em>g<\/em>i\u00e1m \u0111\u1ed1c v\u00e0 65 ch\u1eef T\u1ed5ng <em>G<\/em>i\u00e1m \u0111\u1ed1c), Ng\u01b0\u1eddi qu\u1ea3n l\u00fd v\u00e0 <em>n<\/em>g\u01b0\u1eddi qu\u1ea3n l\u00fd, Ng\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh v\u00e0 <em>n<\/em>g\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh, Tr\u01b0\u1edfng ban v\u00e0 Tr\u01b0\u1edfng <em>B<\/em>an, Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh v\u00e0 Gi\u00e1m \u0111\u1ed1c <em>c<\/em>hi nh\u00e1nh, quy ch\u1ebf n\u1ed9i b\u1ed9 v\u00e0 <em>Q<\/em>uy ch\u1ebf n\u1ed9i b\u1ed9, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 v\u00e0 <em>Q<\/em>uy \u0111\u1ecbnh n\u1ed9i b\u1ed9, 5 v\u00e0 05,\u2026. Khi \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c ch\u1ee9c danh n\u00e0y \u0111\u1ed1i v\u1edbi t\u1eebng \u0111\u1ed1i t\u01b0\u1ee3ng (nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng) \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh c\u1ee5 th\u1ec3, th\u00ec m\u1edbi vi\u1ebft hoa ch\u1eef th\u1ee9 hai, c\u00f2n trong quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt l\u00e0 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t c\u00e1ch chung chung, kh\u00f4ng x\u00e1c \u0111\u1ecbnh c\u1ee5 th\u1ec3, th\u00ec ho\u1eb7c l\u00e0 ch\u1ec9 vi\u1ebft hoa ch\u1eef \u0111\u1ea7u ti\u00ean ho\u1eb7c l\u00e0 kh\u00f4ng vi\u1ebft hoa ch\u1eef n\u00e0o;<\/li>\n<li>Kh\u00f4ng th\u1ed1ng nh\u1ea5t trong vi\u1ec7c s\u1eed d\u1ee5ng c\u1ee5m tr\u1eeb \u201dho\u1ea1t \u0111\u1ed9ng TCTD\u201d (xu\u1ea5t hi\u1ec7n 2 l\u1ea7n) v\u00e0 \u201dho\u1ea1t \u0111\u1ed9ng <em>c\u1ee7a<\/em> TCTD\u201d (xu\u1ea5t hi\u1ec7n 36 l\u1ea7n);<\/li>\n<\/ul>\n<ol start=\"15\">\n<li><strong><em>Nh\u1eefng v\u1ea5n \u0111\u1ec1 kh\u00e1c: <\/em><\/strong>Xin xem b\u1ea3n g\u00f3p \u00fd D\u1ef1 th\u1ea3o 4.<\/li>\n<\/ol>\n<p><em>Tr\u00e2n tr\u1ecdng tham gia!<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><em>\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/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><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u00a0 Kho\u1ea3n 1, \u0110i\u1ec1u 8, Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 2008.<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> \u00a0 V\u00ed d\u1ee5, Lu\u1eadt NHNN n\u0103m 1997 l\u00e0 m\u1ed9t \u0111\u1ea1o lu\u1eadt quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NHNN, th\u1ebf m\u00e0 v\u1eabn nh\u1eefng n\u1ed9i dung tr\u01b0\u1edbc sau kh\u00f4ng thay \u0111\u1ed5i, nh\u01b0ng n\u0103m 2009, l\u1ea1i c\u00f3 th\u1ec3 th\u00e0nh l\u1eadp m\u1ed9t c\u01a1 quan kh\u00e1c bi\u1ec7t c\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c tr\u01b0\u1edbc kia, \u0111\u00f3 l\u00e0 C\u01a1 quan thanh tra gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng c\u00f3 v\u1ecb tr\u00ed nh\u01b0 m\u1ed9t t\u1ed5ng c\u1ee5c, v\u1edbi 8 v\u1ee5 c\u1ee5c tr\u1ef1c thu\u1ed9c. Hay c\u0169ng ch\u1ec9 v\u1edbi nh\u1eefng quy \u0111\u1ecbnh nh\u01b0 v\u1eady, h\u00f4m nay NHNN c\u00f3 63 chi nh\u00e1nh \u1edf c\u00e1c t\u1ec9nh th\u00e0nh ph\u1ed1, sau n\u00e0y l\u1ea1i ch\u1ec9 c\u00f2n 5-10 chi nh\u00e1nh khu v\u1ef1c, t\u1ee9c l\u00e0 gi\u1ea3i th\u00edch v\u00e0 \u00e1p d\u1ee5ng ki\u1ec3u g\u00ec c\u0169ng \u0111\u01b0\u1ee3c.","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; H\u1ed9i th\u1ea3o L\u1ea5y \u00fd ki\u1ebfn v\u1ec1 D\u1ef1 th\u1ea3o Lu\u1eadt NHNN v\u00e0 Lu\u1eadt c\u00e1c TCTD U\u1ef7 ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i t\u1ed5 ch\u1ee9c t\u1ea1i \u0110\u00e0 N\u1eb5ng ng\u00e0y 20-8-2009 \u00a0 M\u1ed8T S\u1ed0 V\u1ea4N \u0110\u1ec0 V\u1ec0 D\u1ef0 TH\u1ea2O LU\u1eacT C\u00c1C TCTD D\u1ef1 th\u1ea3o 5 ng\u00e0y 13-8-2009 \u00a0 V\u1ec1 quan \u0111i\u1ec3m x\u00e2y d\u1ef1ng: C\u1ea7n x\u00e1c \u0111\u1ecbnh [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-5779","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>114. M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 D\u1ef1 th\u1ea3o Lu\u1eadt c\u00e1c TCTD - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/114-mot-so-van-de-ve-du-thao-luat-cac-tctd\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]114. M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 D\u1ef1 th\u1ea3o Lu\u1eadt c\u00e1c TCTD[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) &#8211; H\u1ed9i th\u1ea3o L\u1ea5y \u00fd ki\u1ebfn v\u1ec1 D\u1ef1 th\u1ea3o Lu\u1eadt NHNN v\u00e0 Lu\u1eadt c\u00e1c TCTD U\u1ef7 ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i t\u1ed5 ch\u1ee9c t\u1ea1i \u0110\u00e0 N\u1eb5ng ng\u00e0y 20-8-2009 \u00a0 M\u1ed8T S\u1ed0 V\u1ea4N \u0110\u1ec0 V\u1ec0 D\u1ef0 TH\u1ea2O LU\u1eacT C\u00c1C TCTD D\u1ef1 th\u1ea3o 5 ng\u00e0y 13-8-2009 \u00a0 V\u1ec1 quan \u0111i\u1ec3m x\u00e2y d\u1ef1ng: C\u1ea7n x\u00e1c \u0111\u1ecbnh [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/114-mot-so-van-de-ve-du-thao-luat-cac-tctd\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2009-08-08T09:24:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-02-11T04:24:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/regulations-and-rules.png\" \/>\n\t<meta property=\"og:image:width\" content=\"400\" \/>\n\t<meta property=\"og:image:height\" content=\"208\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"30 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/114-mot-so-van-de-ve-du-thao-luat-cac-tctd\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/114-mot-so-van-de-ve-du-thao-luat-cac-tctd\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"114. 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