{"id":5787,"date":"2009-08-13T16:33:04","date_gmt":"2009-08-13T09:33:04","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5787"},"modified":"2022-02-08T16:36:10","modified_gmt":"2022-02-08T09:36:10","slug":"115-khong-nen-ap-dung-co-che-cu-cho-luat-moi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/115-khong-nen-ap-dung-co-che-cu-cho-luat-moi\/","title":{"rendered":"115. Kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf c\u0169 cho lu\u1eadt m\u1edbi."},"content":{"rendered":"<strong><em>(ANVI) &#8211; H\u1ed9i th\u1ea3o L\u1ea5y \u00fd ki\u1ebfn v\u1ec1 D\u1ef1 th\u1ea3o Lu\u1eadt c\u00e1c TCTD (D\u1ef1 th\u1ea3o 5 ng\u00e0y 13-8-2009)<\/em><\/strong><\/p>\n<p><em>U\u1ef7 ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i t\u1ed5 ch\u1ee9c t\u1ea1i H\u00e0 N\u1ed9i ng\u00e0y 26-8-2009<\/em><strong>\u00a0<\/strong><\/p>\n<ol>\n<li><strong><em>Nhi\u1ec1u quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n so v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh:<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>V\u1ec1 B\u1ea3o m\u1eadt th\u00f4ng tin (\u0110i\u1ec1u kho\u1ea3n 14.2): Lu\u1eadt hi\u1ec7n h\u00e0nh ch\u1ec9 y\u00eau c\u1ea7u b\u1ea3o m\u1eadt th\u00f4ng tin v\u1edbi ti\u1ec1n g\u1eedi v\u00e0 t\u00e0i s\u1ea3n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng. D\u1ef1 th\u1ea3o m\u1edf r\u1ed9ng b\u1ea3o m\u1eadt \u201cth\u00f4ng tin li\u00ean quan \u0111\u1ebfn t\u00e0i kho\u1ea3n, ti\u1ec1n g\u1eedi, t\u00e0i s\u1ea3n g\u1eedi v\u00e0 c\u00e1c giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng\u201d;<\/li>\n<li>C\u00e1c ho\u1ea1t \u0111\u1ed9ng m\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n nh\u01b0 hi\u1ec7n nay l\u00e0: B\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh ch\u1ee9ng kho\u00e1n, mua c\u1ed5 phi\u1ebfu c\u1ee7a TCTD kh\u00e1c (\u0110i\u1ec1u kho\u1ea3n 103.6, mua b\u00e1n c\u1ed5 phi\u1ebfu c\u1ee7a c\u00e1c c\u00f4ng ty (\u0110i\u1ec1u kho\u1ea3n 107.2);<\/li>\n<li>V\u1ec1 m\u1ee9c g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n v\u00e0o 1 doanh nghi\u1ec7p l\u00e0 11% c\u1ee7a doanh nghi\u1ec7p \u0111\u00f3 (\u0110i\u1ec1u kho\u1ea3n 103.4 v\u00e0 129.1) v\u00e0 t\u1ed5ng m\u1ee9c g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n l\u00e0 40% c\u1ee7a ng\u00e2n h\u00e0ng (\u0110i\u1ec1u kho\u1ea3n 129.2). Tr\u01b0\u1edbc \u0111\u00e2y t\u1ef7 l\u1ec7 n\u00e0y do Th\u1ed1ng \u0111\u1ed1c NHNN quy \u0111\u1ecbnh v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p v\u01b0\u1ee3t t\u1ef7 l\u1ec7 trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ch\u00ednh \u0111\u00e1ng nh\u01b0 g\u00f3p v\u1ed1n th\u00e0nh l\u1eadp c\u00f4ng ty \u0111\u1ec3 x\u00e2y d\u1ef1ng v\u00e0 qu\u1ea3n l\u00fd tr\u1ee5 s\u1edf c\u1ee7a ng\u00e2n h\u00e0ng. N\u1ebfu \u0111\u01b0a t\u1ef7 l\u1ec7 c\u1ee9ng n\u00e0y v\u00e0o Lu\u1eadt th\u00ec s\u1ebd v\u01b0\u1edbng m\u1eafc.<\/li>\n<\/ul>\n<ol start=\"2\">\n<li><strong><em>Nhi\u1ec1u quy \u0111\u1ecbnh kh\u00f4ng r\u00f5:<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>Quy \u0111\u1ecbnh C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c \u201ccho vay, k\u1ec3 c\u1ea3 cho vay tr\u1ea3 g\u00f3p, cho vay ti\u00eau d\u00f9ng\u201d (\u0110i\u1ec1u 108.1.d); trong khi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c \u201ccho vay\u201d (\u0110i\u1ec1u 908.3.a). Nh\u01b0 v\u1eady th\u00ec li\u1ec7u ng\u00e2n h\u00e0ng c\u00f3 \u0111\u01b0\u1ee3c cho vay ti\u00eau d\u00f9ng hay kh\u00f4ng, nh\u1ea5t l\u00e0 l\u1ea1i xu\u1ea5t hi\u1ec7n m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh ph\u1ea3i th\u00e0nh l\u1eadp c\u00f4ng ty cho vay ti\u00eau d\u00f9ng (\u0110i\u1ec1u 103.3 v\u00e0 103.4);<\/li>\n<li>Quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u201cph\u1ea3i\u201d th\u00e0nh l\u1eadp C\u00f4ng ty \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng kinh doanh \u201cqu\u1ea3n l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d (\u0110i\u1ec1u kho\u1ea3n 103.2.d), trong khi n\u1ebfu kh\u00f4ng th\u00e0nh l\u1eadp th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i \u201cqu\u1ea3n l\u00fd t\u1ea3i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d;<\/li>\n<li>M\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 tr\u01b0\u1edbc \u0111\u00e2y c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n, nay kh\u00f4ng bi\u1ebft c\u00f3 \u0111\u01b0\u1ee3c l\u00e0m hay kh\u00f4ng, v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c ph\u00e9p (c\u00e1c \u0111i\u1ec1u 98 \u0111\u1ebfn 107). V\u00ed d\u1ee5 ho\u1ea1t \u0111\u1ed9ng ki\u1ec1u h\u1ed1i ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn khi quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u00e0nh l\u1eadp c\u00f4ng ty con, c\u00f4ng ty li\u00ean k\u1ebft (\u0110i\u1ec1u 103.3.a v\u00e0 103.4); trong khi \u0111\u00f3 l\u1ea1i quy \u0111\u1ecbnh r\u00f5 l\u00e0 C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c \u201cchi tr\u1ea3 ki\u1ec1u h\u1ed1i\u201d (\u0110i\u1ec1u 111.6).<\/li>\n<\/ul>\n<ol start=\"3\">\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=\"4\">\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=\"5\">\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=\"6\">\n<li><strong><em>V\u1ec1 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ban ki\u1ec3m so\u00e1t (\u0110i\u1ec1u 44 v\u00e0 45):<\/em><\/strong><\/li>\n<\/ol>\n<ul>\n<li>D\u1ef1 lu\u1eadt quy \u0111\u1ecbnh Ban ki\u1ec3m so\u00e1t c\u1ee7a TCTD c\u00f3 t\u1ed1i thi\u1ec3u 3 th\u00e0nh vi\u00ean, trong \u0111\u00f3 ph\u1ea3i c\u00f3 \u00edt nh\u1ea5t 1\/2 th\u00e0nh vi\u00ean chuy\u00ean tr\u00e1ch, kh\u00f4ng \u0111\u1ed3ng th\u1eddi \u0111\u1ea3m ch\u1ee9c v\u1ee5, c\u00f4ng vi\u1ec7c kh\u00e1c t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1eb7c doanh nghi\u1ec7p kh\u00e1c. \u0110\u1ed3ng th\u1eddi, Ban ki\u1ec3m so\u00e1t c\u00f3 b\u1ed9 ph\u1eadn gi\u00fap vi\u1ec7c, b\u1ed9 ph\u1eadn ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 chuy\u00ean tr\u00e1ch (\u0110i\u1ec1u 41);<\/li>\n<li>\u0110\u1ec1 ngh\u1ecb xem l\u1ea1i s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a vi\u1ec7c h\u00ecnh th\u00e0nh Ban ki\u1ec3m so\u00e1t v\u00ec ch\u1ed3ng ch\u00e9o nhi\u1ec7m v\u1ee5 v\u1edbi b\u1ed9 m\u00e1y ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9. Ba nhi\u1ec7m v\u1ee5 quan tr\u1ecdng nh\u1ea5t c\u1ee7a Ban ki\u1ec3m so\u00e1t l\u00e0 \u201cGi\u00e1m s\u00e1t vi\u1ec7c tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh\u201d, \u201dTh\u1ea9m \u0111\u1ecbnh b\u00e1o c\u00e1o t\u00e0i ch\u00ednh 06 th\u00e1ng \u0111\u1ea7u n\u0103m v\u00e0 h\u1eb1ng n\u0103m c\u1ee7a TCTD\u201d v\u00e0 \u201dKi\u1ec3m tra s\u1ed5 k\u1ebf to\u00e1n, c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c v\u00e0 c\u00f4ng vi\u1ec7c qu\u1ea3n l\u00fd, \u0111i\u1ec1u h\u00e0nh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD\u201d th\u00ec c\u0169ng \u0111\u1ec1u l\u00e0 nhi\u1ec7m v\u1ee5 c\u01a1 b\u1ea3n c\u1ee7a Ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 v\u00e0 c\u00f3 s\u1ef1 tham gia b\u1eaft bu\u1ed9c c\u1ee7a Ki\u1ec3m to\u00e1n \u0111\u1ed9c l\u1eadp (\u0110i\u1ec1u 42);<\/li>\n<li>Trong tr\u01b0\u1eddng h\u1ee3p v\u1eabn bu\u1ed9c ph\u1ea3i \u0111\u1ec3 l\u1ea1i Ban ki\u1ec3m so\u00e1t, th\u00ec c\u0169ng ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n thi\u1ebft quy \u0111\u1ecbnh ph\u1ea3i c\u00f3 \u00edt nh\u1ea5t \u00bd th\u00e0nh vi\u00ean chuy\u00ean tr\u00e1ch ho\u1eb7c n\u1ebfu c\u00f3 th\u00e0nh vi\u00ean chuy\u00ean tr\u00e1ch th\u00ec c\u0169ng kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i c\u1ea5m ki\u00eam nhi\u1ec7m ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 (v\u00ec b\u1ea3n th\u00e2n ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 \u0111\u00e3 ph\u1ea3i \u0111\u1ed9c l\u1eadp ho\u00e0n to\u00e0n v\u1edbi b\u1ed9 m\u00e1y \u0111i\u1ec1u h\u00e0nh).<\/li>\n<\/ul>\n<ol start=\"7\">\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=\"8\">\n<li><strong><em>V\u1ec1 nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a H\u0110QT (\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. Trong khi \u0111\u00f3 l\u1ea1i c\u00f3 nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n quy \u0111\u1ecbnh T\u1ed5ng Gi\u00e1m \u0111\u1ed1c \u0111\u01b0\u1ee3c ban h\u00e0nh \u201cc\u00e1c quy ch\u1ebf, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9\u201d (\u0110i\u1ec1u kho\u1ea3n 49.5). Ngo\u00e0i ra D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh r\u1ea5t kh\u00f4ng th\u1ed1ng nh\u1ea5t v\u1ec1 lo\u1ea1i h\u00ecnh v\u00e0 th\u1ea9m quy\u1ec1n ban h\u00e0nh quy ch\u1ebf, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9. Ch\u1eb3ng h\u1ea1n \u0110i\u1ec1u 63 n\u00f3i tr\u00ean th\u00ec H\u0110QT ban h\u00e0nh Quy \u0111\u1ecbnh, \u0111\u1ebfn \u01104i\u1ec1u 65 th\u00ec l\u1ea1i l\u00e0 Quy ch\u1ebf.<\/li>\n<\/ul>\n<ol start=\"9\">\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=\"10\">\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<li>C\u00f9ng v\u1edbi Lu\u1eadt NHNN, c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 l\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u00f3n, \u0111\u1ec3 tr\u00e1nh \u0111\u1eb7t th\u00eam m\u1ed9t lo\u1ea1i l\u00e3i su\u1ea5t kh\u00f4ng d\u1ef1a ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb tr\u01b0\u1eddng, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a c\u00e1c b\u00ean li\u00ean quan.<\/li>\n<\/ul>\n<ol start=\"11\">\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 c\u1ee7a \u0110i\u1ec1u 107, 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 vi\u1ec7c mua b\u00e1n c\u1ed5 phi\u1ebfu;<\/li>\n<li>Ngo\u00e0i ra, \u0110i\u1ec1u kho\u1ea3n 107.1.e quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp \u201cmua b\u00e1n tr\u00e1i phi\u1ebfu Ch\u1ec9nh ph\u1ee7\u201d, m\u00e0 kh\u00f4ng nh\u1eafc \u0111\u1ebfn tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p. Nh\u01b0 v\u1eady kh\u00f4ng hi\u1ec3u l\u00e0 \u0111\u01b0\u1ee3c hay kh\u00f4ng \u0111\u01b0\u1ee3c mua b\u00e1n tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p.<\/li>\n<\/ul>\n<ol start=\"12\">\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=\"13\">\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=\"14\">\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<p><em>Tr\u00e2n tr\u1ecdng tham gia!<\/em><\/p>\n<p><em>\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/em><\/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>","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; H\u1ed9i th\u1ea3o L\u1ea5y \u00fd ki\u1ebfn v\u1ec1 D\u1ef1 th\u1ea3o Lu\u1eadt c\u00e1c TCTD (D\u1ef1 th\u1ea3o 5 ng\u00e0y 13-8-2009) U\u1ef7 ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i t\u1ed5 ch\u1ee9c t\u1ea1i H\u00e0 N\u1ed9i ng\u00e0y 26-8-2009\u00a0 Nhi\u1ec1u quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n so v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh: V\u1ec1 B\u1ea3o m\u1eadt th\u00f4ng tin (\u0110i\u1ec1u kho\u1ea3n 14.2): Lu\u1eadt hi\u1ec7n h\u00e0nh [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5788,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-5787","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>115. 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