{"id":5795,"date":"2009-09-19T20:57:35","date_gmt":"2009-09-19T13:57:35","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5795"},"modified":"2022-04-11T11:34:15","modified_gmt":"2022-04-11T04:34:15","slug":"117-du-luat-con-nhieu-diem-troi-buoc-khong-hop-ly-va-chua-ro-rang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/117-du-luat-con-nhieu-diem-troi-buoc-khong-hop-ly-va-chua-ro-rang\/","title":{"rendered":"117. D\u1ef1 lu\u1eadt c\u00f2n nhi\u1ec1u \u0111i\u1ec3m tr\u00f3i bu\u1ed9c, kh\u00f4ng h\u1ee3p l\u00fd v\u00e0 ch\u01b0a r\u00f5 r\u00e0ng."},"content":{"rendered":"(ANVI) – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh\u00a0\u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, g\u00f3p \u00fd D\u1ef1 th\u1ea3o 5 (9-9) Lu\u1eadt c\u00e1c TCTD – V\u0129nh Ph\u00fac 18-19\/9\/2009<\/i><\/strong><\/p>\n

N\u1ed9i dung g\u1ed3m:<\/em><\/strong><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u1eefng v\u1ea5n \u0111\u1ec1 chung\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 1<\/em><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ee5 th\u1ec3\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 4<\/em><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 c\u00e2u ch\u1eef, t\u1eeb ng\u1eef\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 14<\/em><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 k\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 19<\/em><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u1ed9t s\u1ed1 n\u1ed9i dung g\u00f3p \u00fd \u0111\u00e3 \u0111\u01b0\u1ee3c ti\u1ebfp thu\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 20<\/em><\/p>\n

\u00a0<\/strong><\/p>\n

I. NH\u1eeeNG V\u1ea4N \u0110\u1ec0 CHUNG:<\/strong><\/p>\n

1. V\u1ec1 quan \u0111i\u1ec3m x\u00e2y d\u1ef1ng:<\/em><\/strong><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u1ea5t tr\u00ed v\u1edbi vi\u1ec7c \u0111\u01b0a c\u00e1c quy \u0111\u1ecbnh c\u1ea7n thi\u1ebft c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p v\u00e0o D\u1ef1 lu\u1eadt nh\u01b0 hi\u1ec7n nay.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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 \u201cV\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[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.[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:<\/p>\n

+\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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);<\/p>\n

+\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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);<\/p>\n

+\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.<\/p>\n

    \n
  1. 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

    –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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;<\/p>\n

    –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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: Mua c\u1ed5 phi\u1ebfu c\u1ee7a TCTD kh\u00e1c (\u0110i\u1ec1u kho\u1ea3n 103.6); b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh ch\u1ee9ng kho\u00e1n (\u0110i\u1ec1u kho\u1ea3n 107.2a), mua b\u00e1n c\u1ed5 phi\u1ebfu c\u1ee7a c\u00e1c c\u00f4ng ty (\u0110i\u1ec1u kho\u1ea3n 107.2.b);<\/p>\n

    –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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;<\/p>\n

    –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng (kho\u1ea3n 1, \u0110i\u1ec1u 128):<\/p>\n

    +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh \u201cT\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 15% v\u1ed1n t\u1ef1 c\u00f3\u201d, trong khi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh cho ph\u00e9p \u201cT\u1ed5ng m\u1ee9c cho vay v\u00e0 b\u1ea3o l\u00e3nh c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 25% v\u1ed1n t\u1ef1 c\u00f3\u201d (\u0110i\u1ec1u kho\u1ea3n 8.1.1, Quy\u1ebft \u0111\u1ecbnh 457\/2005\/Q\u0110-NHNN);<\/p>\n

    +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh \u201ct\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 25% v\u1ed1n t\u1ef1 c\u00f3\u201d, trong khi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh cho ph\u00e9p \u0111\u1ebfn 50% (\u0110i\u1ec1u kho\u1ea3n 8.1.2, Quy\u1ebft \u0111\u1ecbnh 457\/2005\/Q\u0110-NHNN). Theo quy \u0111\u1ecbnh c\u0169, khi d\u01b0 n\u1ee3 qu\u00e1 15% do th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh, th\u00ec t\u1ea1i m\u1ed9t th\u1eddi \u0111i\u1ec3m \u0111\u01b0\u1ee3c ph\u00e9p v\u01b0\u1ee3t 15%, sau \u0111\u00f3 m\u1edbi gi\u1ea3m d\u1ea7n, thay v\u00ec ngay t\u1eeb \u0111\u1ea7u ph\u1ea3i ph\u00f2ng tr\u00e1nh \u0111\u1ec3 kh\u00f4ng d\u1eabn \u0111\u1ebfn qu\u00e1 15% nh\u01b0 D\u1ef1 lu\u1eadt.<\/p>\n

      \n
    1. Nhi\u1ec1u quy \u0111\u1ecbnh kh\u00f4ng r\u00f5:<\/em><\/strong><\/li>\n<\/ol>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Tuy D\u1ef1 lu\u1eadt n\u00e0y \u0111\u00e3 r\u00f5 r\u00e0ng, chi ti\u1ebft h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi Lu\u1eadt c\u00e1c TCTD hi\u1ec7n h\u00e0nh, tuy nhi\u00ean v\u1eabn c\u00f2n b\u1ecf ng\u1ecf nhi\u1ec1u n\u1ed9i dung c\u01a1 b\u1ea3n, kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, m\u00e0 \u201cnh\u01b0\u1eddng\u201d cho v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt. Sau khi Lu\u1eadt n\u00e0y \u0111\u01b0\u1ee3c ban h\u00e0nh, v\u1eabn c\u00f2n nhi\u1ec1u n\u1ed9i dung ch\u01b0a th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c, ch\u01b0a bi\u1ebft \u201cng\u00f4 khoai\u201d ph\u1ea3i tr\u00e1i th\u1ebf n\u00e0o nh\u01b0:<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng bi\u1ebft \u0111i\u1ec1u ki\u1ec7n th\u1ebf n\u00e0o \u0111\u1ec3 c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh c\u1ed5 \u0111\u00f4ng s\u00e1ng l\u1eadp ng\u00e2n h\u00e0ng, m\u00e0 ch\u1ec9 bi\u1ebft ch\u1eafc ch\u1eafn l\u00e0 kh\u00e1c xa so v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p. Theo quy \u0111\u1ecbnh, ph\u1ea3i \u0111\u01b0a v\u00e0o \u0110i\u1ec1u l\u1ec7 v\u00e0 Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh danh s\u00e1ch C\u1ed5 \u0111\u00f4ng s\u00e1ng l\u1eadp. Tuy nhi\u00ean kh\u00e1i ni\u1ec7m C\u1ed5 \u0111\u00f4ng s\u00e1ng l\u1eadp \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn trong D\u1ef1 th\u1ea3o c\u0169ng nh\u01b0 quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a NHNN, th\u00ec l\u1ea1i kh\u00e1c h\u1eb3n v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p. V\u00ec v\u1eady n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong D\u1ef1 lu\u1eadt th\u00ec s\u1ebd xung \u0111\u1ed9t, v\u01b0\u1edbng m\u1eafc sau n\u00e0y;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng bi\u1ebft m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh (m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ed1t l\u00f5i \u0111\u1ed1i v\u1edbi TCTD) s\u1ebd l\u00ean xu\u1ed1ng, t\u0103ng gi\u1ea3m th\u1ebf n\u00e0o \u0111\u1ec3 ho\u1ea1ch \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng bi\u1ebft h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh chung c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 cho vay hay ph\u1ea3i c\u00f3 th\u00eam nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u1eb7c th\u00f9 kh\u00e1c n\u1eefa. V\u00ed d\u1ee5 tr\u01b0\u1edbc \u0111\u00e2y, m\u1ee5c \u0111\u00edch cho vay l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c theo Lu\u1eadt c\u00e1c TCTD hi\u1ec7n h\u00e0nh, th\u00ec D\u1ef1 lu\u1eadt \u0111\u00e3 kh\u00f4ng c\u00f2n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u00e0 c\u0169ng kh\u00f4ng giao cho NHNN quy \u0111\u1ecbnh c\u1ee5 th\u1ec3;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng bi\u1ebft \u201cNg\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng\u201d b\u1ecb c\u1ea5m vay v\u1ed1n l\u00e0 ai (\u0111i\u1ec3m d, kho\u1ea3n 1, \u0110i\u1ec1u 127 – H\u1ea1n ch\u1ebf c\u1ea5p t\u00edn d\u1ee5ng). Li\u1ec7u \u0111\u00f3 l\u00e0 \u201cNg\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng\u201d \u0111\u1ed1i v\u1edbi ch\u00ednh kho\u1ea3n t\u00edn d\u1ee5ng \u0111\u00f3, hay l\u00e0 ng\u01b0\u1eddi thu\u1ed9c ph\u00f2ng nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng hay l\u00e0 ng\u01b0\u1eddi thu\u1ed9c Chi nh\u00e1nh c\u1ee7a TCTD hay l\u00e0 ng\u01b0\u1eddi trong m\u1ed9t TCTD hay l\u00e0 ng\u01b0\u1eddi \u0111\u1ea3m nhi\u1ec7m c\u00f4ng vi\u1ec7c n\u00e0y trong t\u1ea5t c\u1ea3 c\u00e1c TCTD;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng bi\u1ebft 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, v\u00ec kh\u00f4ng h\u1ec1 \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn \u1edf D\u1ef1 lu\u1eadt m\u1edbi.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00ec v\u1eady \u0111\u1ec1 ngh\u1ecb c\u1ea7n quy \u0111\u1ecbnh r\u00f5 h\u01a1n nh\u1eefng n\u1ed9i dung c\u00f3 t\u00ednh ch\u1ea5t c\u01a1 b\u1ea3n ho\u1eb7c \u00edt nh\u1ea5t l\u00e0 c\u0169ng c\u1ea7n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ec1 m\u1eb7t nguy\u00ean t\u1eafc \u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf c\u1ee5 th\u1ec3 ho\u00e1 sau n\u00e0y, tr\u00e1nh t\u00ecnh tr\u1ea1ng ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt s\u1ebd d\u1ec5 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng \u0111\u01b0\u01a1ng nhi\u00ean b\u1ecb quy \u0111\u1ecbnh c\u1ee7a c\u00e1c \u0111\u1ea1o lu\u1eadt kh\u00e1c v\u00f4 hi\u1ec7u ho\u00e1.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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 98.3.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);<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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).<\/p>\n

      II\/ \u00a0NH\u1eeeNG V\u1ea4N \u0110\u1ec0 C\u1ee4 TH\u1ec2:<\/strong><\/p>\n

      1. V\u1ec1 thu\u1eadt ng\u1eef \u201cv\u1ed1n t\u1ef1 c\u00f3\u201d:<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 10, \u0110i\u1ec1u 4 (Gi\u1ea3i th\u00edch t\u1eeb ng\u1eef) v\u00e0 nhi\u1ec1u \u0111i\u1ec1u kh\u00e1c.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng c\u1ea7n thi\u1ebft t\u1ea1o ra m\u1ed9t kh\u00e1i ni\u1ec7m m\u1edbi kh\u00f4ng kh\u00e1c bi\u1ec7t nhi\u1ec1u so v\u1edbi kh\u00e1i ni\u1ec7m \u201cv\u1ed1n ch\u1ee7 s\u1edf h\u1eefu\u201d, nh\u1eb1m th\u1ed1ng nh\u1ea5t v\u1edbi thu\u1eadt ng\u1eef chung \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt K\u1ebf to\u00e1n n\u0103m 2003 v\u00e0 ph\u00e1p lu\u1eadt v\u1ec1 t\u00e0i ch\u00ednh, k\u1ebf to\u00e1n hi\u1ec7n h\u00e0nh. N\u1ebfu c\u00e1c gi\u1edbi h\u1ea1n n\u00ean quy \u0111\u1ecbnh theo m\u1ee9c v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu, tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t th\u00ec t\u00ednh tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu v\u00e0 tr\u1eeb \u0111i ho\u1eb7c c\u1ed9ng th\u00eam ngu\u1ed3n v\u1ed1n kh\u00e1c.<\/p>\n

      2. V\u1ec1 s\u1eed d\u1ee5ng c\u00e1c thu\u1eadt ng\u1eef li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng (\u0110i\u1ec1u 5):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 B\u00ean c\u1ea1nh quy \u0111\u1ecbnh c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 TCTD kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb ho\u1eb7c thu\u1eadt ng\u1eef \u201ct\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, \u201cng\u00e2n h\u00e0ng\u201d, \u201cc\u00f4ng ty t\u00e0i ch\u00ednh\u201d, \u201cc\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh\u201d, c\u1ea7n quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e9p s\u1eed d\u1ee5ng t\u00ean g\u1ecdi vi\u1ebft t\u1eaft trong bi\u1ec3n hi\u1ec7u, gi\u1ea5y t\u1edd giao d\u1ecbch. N\u1ebfu kh\u00f4ng th\u00ec l\u00fac n\u00e0o c\u0169ng ph\u1ea3i ghi \u0111\u1ea7y \u0111\u1ee7 d\u00e0i d\u00f2ng, kh\u00f4ng c\u1ea7n thi\u1ebft theo quy d\u1ecbnh c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Thay v\u00ec ph\u1ea3i ghi \u0111\u1ea7y \u0111\u1ee7 \u201cNg\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam\u201d nh\u01b0 quy \u0111\u1ecbnh chung, ch\u1ec9 c\u1ea7n ghi Ng\u00e2n h\u00e0ng Ngo\u1ea1i th\u01b0\u01a1ng.<\/p>\n

      3. 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><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 D\u1ef1 lu\u1eadt quy \u0111\u1ecbnh r\u1ea5t nhi\u1ec1u h\u1ed3 s\u01a1, th\u1ee7 t\u1ee5c li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u1ea5p Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD, tuy nhi\u00ean h\u1ea7u h\u1ebft ch\u1ec9 l\u00e0 \u0111\u1ecbnh t\u00ednh, kh\u00f4ng c\u00f3 \u0111\u1ecbnh l\u01b0\u1ee3ng, ch\u01b0a th\u1ec3 hi\u1ec7n \u0111\u01b0\u1ee3c th\u1ef1c ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1, t\u1ee9c l\u00e0 Lu\u1eadt ch\u1ec9 mang t\u00ednh nguy\u00ean t\u1eafc h\u00ecnh th\u1ee9c. N\u1ebfu c\u1ee9 theo Lu\u1eadt th\u00ec kh\u00f4ng th\u1ec3 h\u00ecnh dung \u0111i\u1ec1u ki\u1ec7n c\u1ea5p ph\u00e9p l\u00e0 g\u00ec, v\u00ec kh\u00f4ng c\u00f3 ti\u00eau ch\u00ed r\u00f5 r\u00e0ng, kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a Gi\u1ea5y ph\u00e9p. M\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n c\u01a1 b\u1ea3n l\u00e0 ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Lu\u1eadt qu\u00e1 r\u1ed9ng, v\u1ec1 to\u00e0n b\u1ed9 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i h\u00ecnh TCTD, t\u1eeb c\u1ea5p gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp cho \u0111\u1ebfn gi\u1ea3i th\u1ec3, ph\u00e1 s\u1ea3n; trong khi h\u1ee3p l\u00fd ra, ch\u1ec9 v\u1ec1 lo\u1ea1i h\u00ecnh Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng c\u1ea7n ph\u1ea3i c\u00f3 m\u1ed9t \u0111\u1ea1o lu\u1eadt, th\u1eadm ch\u00ed m\u1ed9t b\u1ed9 lu\u1eadt ri\u00eang;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1edbi c\u00e1c \u0111i\u1ec1u quy \u0111\u1ecbnh v\u1ec1 v\u1ed1n ph\u00e1p \u0111\u1ecbnh (\u0110i\u1ec1u 19); \u0110i\u1ec1u ki\u1ec7n c\u1ea5p Gi\u1ea5y ph\u00e9p (\u0110i\u1ec1u 20); H\u1ed3 s\u01a1, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c \u0111\u1ec1 ngh\u1ecb c\u1ea5p Gi\u1ea5y ph\u00e9p (\u0110i\u1ec1u 21), th\u00ec ho\u00e0n to\u00e0n m\u1edbi ch\u1ec9 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c m\u1ed9t kh\u00e2u l\u00e0 cho ph\u00e9p th\u00e0nh l\u1eadp TCTD, ch\u01b0a th\u1ec3 n\u00e0o ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 TCTD mu\u1ed1n \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng c\u00f2n ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t lo\u1ea1t c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c nh\u01b0 \u0110\u0103ng k\u00fd kinh doanh (\u0110i\u1ec1u 24); \u0111\u1ee7 \u00edt nh\u1ea5t l\u00e0 10 nh\u00f3m \u0110i\u1ec1u ki\u1ec7n khai tr\u01b0\u01a1ng ho\u1ea1t \u0111\u1ed9ng (\u0110i\u1ec1u 26) g\u1ed3m: C\u00f3 \u0110i\u1ec1u l\u1ec7; c\u00f3 Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh; c\u00f3 \u0111\u1ee7 v\u1ed1n \u0111i\u1ec1u l\u1ec7; c\u00f3 kho ti\u1ec1n; c\u00f3 tr\u1ee5 s\u1edf; c\u00f3 c\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c, b\u1ed9 m\u00e1y qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh, ki\u1ec3m to\u00e1n, ki\u1ec3m so\u00e1t, qu\u1ea3n l\u00fd r\u1ee7i ro; c\u00f3 h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin; c\u00f3 c\u00e1c quy ch\u1ebf qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9 v\u1ec1 t\u1ed5 ch\u1ee9c, ho\u1ea1t \u0111\u1ed9ng, qu\u1ea3n l\u00fd r\u1ee7i ro; qu\u1ea3n l\u00fd m\u1ea1ng l\u01b0\u1edbi; \u0111\u00e3 g\u1eedi \u0111\u1ea7y \u0111\u1ee7 v\u1ed1n v\u00e0o t\u00e0i kho\u1ea3n phong t\u1ecfa; \u0111\u00e3 th\u1ef1c hi\u1ec7n vi\u1ec7c \u0111\u0103ng b\u00e1o.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u01b0 v\u1eady sau khi \u0111\u01b0\u1ee3c ph\u00e9p th\u00e0nh l\u1eadp, TCTD s\u1ebd ph\u1ea3i tr\u1ea3i qua c\u00e1c \u0111i\u1ec1u ki\u1ec7n, th\u1ee7 t\u1ee5c xem x\u00e9t cho ph\u00e9p c\u1ee7a NHNN th\u00ec m\u1edbi \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng. \u0110\u00f3 l\u00e0 nh\u1eefng lo\u1ea1i \u201cgi\u1ea5y ph\u00e9p\u201d kh\u00f4ng th\u1ec3 thi\u1ebfu. Do \u0111\u00f3 c\u1ea7n t\u00e1ch Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD th\u00e0nh hai lo\u1ea1i l\u00e0 Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 Gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 minh b\u1ea1ch, r\u00f5 r\u00e0ng v\u00e0 th\u1ef1c t\u1ebf. Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp ch\u1ec9 l\u00e0 \u0111i\u1ec1u ki\u1ec7n ban \u0111\u1ea7u, mang t\u00ednh nguy\u00ean t\u1eafc \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n tri\u1ec3n khai xem x\u00e9t c\u1ea5p Gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng, c\u00f3 t\u00ednh ch\u1ea5t quy\u1ebft \u0111\u1ecbnh.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u1ebfu cho r\u1eb1ng \u0111\u1ec1 xu\u1ea5t n\u00e0y l\u00e0m t\u0103ng th\u00eam th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, phi\u1ec1n h\u00e0 ph\u1ee9c t\u1ea1p, r\u1eafc r\u1ed1i th\u00ec c\u0169ng kh\u00f4ng sai, nh\u01b0ng nh\u01b0 th\u1ebf m\u1edbi \u0111\u00fang v\u1edbi b\u1ea3n ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1. \u0110\u1ed3ng th\u1eddi \u0111i\u1ec1u n\u00e0y s\u1ebd d\u1eabn \u0111\u1ebfn vi\u1ec7c r\u00fat ng\u1eafn th\u1eddi h\u1ea1n c\u1ea5p ph\u00e9p l\u00ean t\u1edbi 360 ng\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 22 (Th\u1eddi h\u1ea1n c\u1ea5p Gi\u1ea5y ph\u00e9p).<\/p>\n

      4. V\u1ec1 \u0111i\u1ec1u ki\u1ec7n c\u1ea5p gi\u1ea5y ph\u00e9p (\u0110i\u1ec1u 20 v\u00e0 26):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m d, kho\u1ea3n 1, \u0110i\u1ec1u 20 quy \u0111\u1ecbnh \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ph\u00e9p l\u00e0 ph\u1ea3i \u201dC\u00f3 \u0111i\u1ec1u l\u1ec7 t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt n\u00e0y v\u00e0 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c c\u1ee7a ph\u00e1p lu\u1eadt\u201d. Tuy nhi\u00ean \u0111\u1ebfn \u0111i\u1ec3m a, kho\u1ea3n 2, \u0110i\u1ec1u 26 (\u0110i\u1ec1u ki\u1ec7n khai tr\u01b0\u01a1ng ho\u1ea1t \u0111\u1ed9ng) l\u1ea1i quy \u0111\u1ecbnh \u201dC\u00f3 \u0110i\u1ec1u l\u1ec7 ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd t\u1ea1i NHNN.\u201d<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u01b0 v\u1eady, th\u00ec kh\u00f4ng bi\u1ebft \u0111i\u1ec1u l\u1ec7 tr\u01b0\u1edbc v\u00e0 sau kh\u00e1c nhau th\u1ebf n\u00e0o?<\/p>\n

      5. V\u1ec1 th\u1eddi h\u1ea1n c\u1ea5p gi\u1ea5y ph\u00e9p (\u0110i\u1ec1u 22):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Th\u1eddi h\u1ea1n c\u1ea5p ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng l\u00e0 180 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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.<\/p>\n

      6. V\u1ec1 l\u1ec7 ph\u00ed c\u1ea5p gi\u1ea5y ph\u00e9p (\u0110i\u1ec1u 23):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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 \u201cph\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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec1u 13, Ph\u00e1p l\u1ec7nh Ph\u00ed v\u00e0 l\u1ec7 ph\u00ed n\u0103m 2001 quy \u0111\u1ecbnh \u201cM\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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \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.<\/p>\n

      7. V\u1ec1 thu h\u1ed3i Gi\u1ea5y ph\u00e9p (\u0110i\u1ec1u 28 v\u00e0 154):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m b, kho\u1ea3n 1 quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p TCTD b\u1ecb thu h\u1ed3i Gi\u1ea5y ph\u00e9p l\u00e0: TCTD gi\u1ea3i th\u1ec3. Tuy nhi\u00ean so v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 154 (Gi\u1ea3i th\u1ec3 TCTD) l\u00e0 l\u1ea1i m\u00e2u thu\u1eabn, v\u00ec kho\u1ea3n n\u00e0y quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p gi\u1ea3i th\u1ec3 l\u00e0 TCTD \u201cb\u1ecb thu h\u1ed3i gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng\u201d;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u01b0 v\u1eady, th\u00ec kh\u00f4ng bi\u1ebft TCTD b\u1ecb thu h\u1ed3i Gi\u1ea5y ph\u00e9p r\u1ed3i s\u1ebd ph\u1ea3i gi\u1ea3i th\u1ec3 hay \u0111\u00e3 gi\u1ea3i th\u1ec3 r\u1ed3i th\u00ec s\u1ebd b\u1ecb thu h\u1ed3i Gi\u1ea5y ph\u00e9p.<\/p>\n

      8. 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):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.<\/p>\n

      9. 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><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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);<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \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);<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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).<\/p>\n

      10. V\u1ec1 \u0111i\u1ec1u ki\u1ec7n b\u1ea7u th\u00e0nh vi\u00ean H\u0110QT, th\u00e0nh vi\u00ean Ban ki\u1ec3m so\u00e1t, b\u1ed5 nhi\u1ec7m T\u1ed5ng gi\u00e1m \u0111\u1ed1c (\u0110i\u1ec1u 51):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u00ean quy \u0111\u1ecbnh th\u1eadt c\u1ee5 th\u1ec3 v\u00e0 ch\u1eb7t ch\u1ebd ti\u00eau chu\u1ea9n, \u0111i\u1ec1u ki\u1ec7n c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y, thay v\u00ec th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh \u201cxin – cho\u201d kh\u00f4ng c\u1ea7n thi\u1ebft l\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c NHNN ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc khi b\u1ea7u, b\u1ed5 nhi\u1ec7m.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ed3ng th\u1eddi quy \u0111\u1ecbnh NHNN \u0111\u01b0\u1ee3c quy\u1ec1n \u0111\u00ecnh ch\u1ec9, b\u00e3i mi\u1ec5n \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m.<\/p>\n

      11. V\u1ec1 tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c mua c\u1ed5 ph\u1ea7n \u01b0u \u0111\u00e3i (\u0111i\u1ec3m c, kho\u1ea3n 3, \u0110i\u1ec1u 52 – C\u00e1c lo\u1ea1i c\u1ed5 ph\u1ea7n, c\u1ed5 \u0111\u00f4ng):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Quy \u0111\u1ecbnh \u201cc\u00e1c ch\u1ee9c danh qu\u1ea3n l\u00fd, \u0111i\u1ec1u h\u00e0nh kh\u00e1c c\u1ee7a TCTD kh\u00f4ng \u0111\u01b0\u1ee3c mua c\u1ed5 ph\u1ea7n \u01b0u \u0111\u00e3i c\u1ed5 t\u1ee9c do ch\u00ednh TCTD ph\u00e1t h\u00e0nh\u201d.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y kh\u00f4ng r\u00f5 ai l\u00e0 ng\u01b0\u1eddi thu\u1ed9c c\u00e1c ch\u1ee9c danh qu\u1ea3n l\u00fd, \u0111i\u1ec1u h\u00e0nh kh\u00e1c, v\u00ec Lu\u1eadt ch\u1ec9 \u0111\u1ecbnh ngh\u0129a ch\u1ee9c danh \u201cNg\u01b0\u1eddi qu\u1ea3n l\u00fd\u201d.<\/p>\n

      12. V\u1ec1 nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng (\u0110i\u1ec1u 59 – \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea7n t\u00e1ch th\u00e0nh 2 \u0111i\u1ec1u: \u0110i\u1ec1u th\u1ee9 nh\u1ea5t l\u00e0 \u201d\u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng\u201d g\u1ed3m kho\u1ea3n 1 \u0111\u1ecbnh ngh\u0129a, kho\u1ea3n 2 quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n ti\u1ebfn h\u00e0nh h\u1ecdp, kho\u1ea3n 3 v\u00e0 4 v\u1ec1 th\u1ee7 t\u1ee5c th\u00f4ng qua quy\u1ebft \u0111\u1ecbnh c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng. \u0110i\u1ec1u th\u1ee9 hai l\u00e0 \u201dNhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng\u201d, g\u1ed3m 19 v\u1ea5n \u0111\u1ec1 m\u00e0 trong D\u1ef1 th\u1ea3o \u0111ang \u0111\u1ec3 trong kho\u1ea3n 2;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Vi\u1ec7c n\u00e0y gi\u00fap cho \u0111i\u1ec1u Lu\u1eadt r\u00f5 r\u00e0ng, \u0111\u01a1n gi\u1ea3n, tr\u00e1nh d\u00e0i d\u00f2ng, ph\u1ee9c t\u1ea1p v\u00e0 thu\u1eadn ti\u1ec7n cho vi\u1ec7c vi\u1ec7n d\u1eabn ngay trong D\u1ef1 lu\u1eadt (vi\u1ec7n d\u1eabn 4 l\u1ea7n t\u1edbi c\u00e1c \u0111i\u1ec3m t\u1ea1i kho\u1ea3n n\u00e0y) c\u0169ng nh\u01b0 \u00e1p d\u1ee5ng tr\u00ean th\u1ef1c t\u1ebf. \u0110\u1ed3ng th\u1eddi nh\u01b0 th\u1ebf m\u1edbi v\u00e0 t\u01b0\u01a1ng x\u1ee9ng v\u1edbi vi\u1ec7c D\u1ef1 lu\u1eadt \u0111\u00e3 thi\u1ebft k\u1ebf 1 \u0111i\u1ec1u ri\u00eang v\u1ec1 nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a H\u0110QT, 1 \u0111i\u1ec1u ri\u00eang v\u1ec1 nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n Ban Ki\u1ec3m so\u00e1t.<\/p>\n

      13. 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 – \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \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.<\/p>\n

      14. V\u1ec1 nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a H\u0110QT (\u0110i\u1ec1u 63):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 11 quy \u0111\u1ecbnh H\u0110QT c\u00f3 tr\u00e1ch nhi\u1ec7m \u201cBan 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<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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 \u0110i\u1ec1u 65 th\u00ec l\u1ea1i l\u00e0 Quy ch\u1ebf.<\/p>\n

      15. V\u1ec1 ph\u1ea1m vi \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng (kho\u1ea3n 2, \u0110i\u1ec1u 90):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 D\u1ef1 lu\u1eadt quy \u0111\u1ecbnh:\u00a0 \u201cTCTD 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: \u201cTh\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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ed3ng \u00fd l\u00e0 TCTD kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p l\u00e0m t\u1ea5t c\u1ea3 nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p th\u00f4ng th\u01b0\u1eddng kh\u00e1c. Nh\u01b0ng \u0111\u1ed3ng th\u1eddi c\u0169ng kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn quy \u0111\u1ecbnh: TCTD ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt cho ph\u00e9p nh\u01b0 \u0111\u1ed1i v\u1edbi NHNN v\u00e0 c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc. Quy \u0111\u1ecbnh qu\u00e1 c\u1ee9ng n\u00e0y s\u1ebd n\u1ea3y sinh nhi\u1ec1u v\u01b0\u1edbng m\u1eafc, nh\u1ea5t l\u00e0 sau khi Vi\u1ec7t Nam ho\u00e0n to\u00e0n ph\u00e1t tri\u1ec3n theo kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. Kh\u00f3 c\u00f3 th\u1ec3 \u0111\u1ed3ng t\u00ecnh v\u1edbi l\u00fd l\u1ebd: Kh\u00f4ng th\u1ec3 cho ph\u00e9p c\u00e1c TCTD \u0111\u01b0\u1ee3c l\u00e0m t\u1ea5t c\u1ea3 nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m, v\u00ec kh\u00f4ng th\u1ec3 \u0111\u01b0a ra \u0111\u01b0\u1ee3c h\u1ebft nh\u1eefng \u0111i\u1ec1u c\u1ea5m, v\u00ec nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng qu\u00e1 nhi\u1ec1u v\u00e0 thay \u0111\u1ed5i li\u00ean t\u1ee5c. Nh\u01b0 v\u1eady th\u00ec c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c s\u1ebd kh\u00f4ng th\u1ebf ghi trong Gi\u1ea5y ph\u00e9p \u0111\u1ea7y \u0111\u1ee7, c\u1ee5 th\u1ec3, chi ti\u1ebft c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD. V\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd s\u1ebd t\u1ea5t b\u1eadt, m\u1ec7t m\u1ecfi v\u1edbi vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Gi\u1ea5y ph\u00e9p \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng vi\u1ec7c s\u1ef1 v\u1ee5 theo \u0111\u00f2i h\u1ecfi kinh doanh h\u1eb1ng ng\u00e0y c\u1ee7a h\u00e0ng tr\u0103m TCTD. V\u00e0 t\u1ea5t nhi\u00ean l\u00e0 kh\u00f3 tr\u00e1nh kh\u1ecfi c\u01a1 ch\u1ebf xin cho kh\u00f4ng c\u1ea7n thi\u1ebft tr\u00ean th\u1ef1c t\u1ebf. Ch\u01b0a n\u00f3i \u0111\u1ebfn quy \u0111\u1ecbnh tr\u00ean, ch\u1ec9 v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh th\u00ec c\u0169ng \u0111\u00e3 c\u00f3 nhi\u1ec1u b\u1ea5t c\u1eadp v\u1ec1 Gi\u1ea5y ph\u00e9p. V\u00ed d\u1ee5:<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u1eeb n\u0103m 2006, Lu\u1eadt c\u00e1c C\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng \u0111\u00e3 thay th\u1ebf kh\u00e1i ni\u1ec7m \u201cth\u01b0\u01a1ng phi\u1ebfu\u201d trong Lu\u1eadt c\u00e1c TCTD b\u1eb1ng \u201ch\u1ed1i phi\u1ebfu\u201d, nh\u01b0ng \u0111\u1ebfn nay NHNN khi c\u1ea5p Gi\u1ea5y ph\u00e9p cho c\u00e1c TCTD, NHNN v\u1eabn ghi \u201cchi\u1ebft kh\u1ea5u th\u01b0\u01a1ng phi\u1ebfu\u201d theo Lu\u1eadt c\u00e1c TCTD;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u1ea5y ph\u00e9p \u0111\u00e3 c\u1ea5p cho c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 (theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c TCTD hi\u1ec7n h\u00e0nh), nh\u01b0ng Lu\u1eadt m\u1edbi \u0111\u00e3 b\u1ecf kh\u00e1i ni\u1ec7m n\u00e0y, v\u1eady th\u00ec c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p sau n\u00e0y s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 hay s\u1ebd \u0111\u01b0\u1ee3c hi\u1ec3u suy di\u1ec5n l\u00e0 l\u00e0m theo h\u00ecnh th\u1ee9c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c?<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Do v\u1eady, c\u1ea7n \u0111\u01b0a ra m\u1ed9t gi\u1ea3i ph\u00e1p m\u1edbi, kh\u00f4ng quy \u0111\u1ecbnh TCTD \u0111\u01b0\u1ee3c l\u00e0m t\u1ea5t c\u1ea3 hay ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec \u0111\u00e3 \u0111\u01b0\u1ee3c ghi trong Gi\u1ea5y ph\u00e9p, m\u00e0 c\u1ea7n quy \u0111\u1ecbnh theo h\u01b0\u1edbng: TCTD \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt cho ph\u00e9p ho\u1eb7c kh\u00f4ng c\u1ea5m v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c s\u1ef1 cho ph\u00e9p c\u1ee7a NHNN trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Theo \u0111\u00f3, n\u1ed9i dung Gi\u1ea5y ph\u00e9p c\u0169ng kh\u00f4ng n\u00ean \u0111\u01b0a c\u1ee5 th\u1ec3 t\u1ea5t c\u1ea3 c\u00e1c n\u1ed9i dung \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng nh\u01b0 hi\u1ec7n nay (v\u1eeba th\u1eeba, v\u1eeba thi\u1ebfu), m\u00e0 ch\u1ec9 n\u00eau ra c\u00e1c \u0111\u1ec1 m\u1ee5c l\u1edbn v\u00ed d\u1ee5 nh\u01b0: \u201cHo\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d, \u201cth\u1ef1c hi\u1ec7n c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d. C\u00f2n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee5 th\u1ec3 nh\u01b0 th\u1ebf n\u00e0o v\u00e0 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec, th\u00ec \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c TCTD, c\u00e1c Ngh\u1ecb \u0111\u1ecbnh, Th\u00f4ng t\u01b0, c\u0169ng nh\u01b0 c\u00e1c Gi\u1ea5y ph\u00e9p \u201ccon\u201d.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.<\/p>\n

      16. V\u1ec1 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay (\u0110i\u1ec1u 91):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.\u00a0 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 b\u1ea3n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 476 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh r\u00f5 h\u01a1n, kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3 (Trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n thi\u1ebft, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng TCTD, NHNN c\u00f3 quy\u1ec1n quy \u0111\u1ecbnh c\u01a1 ch\u1ebf x\u00e1c \u0111\u1ecbnh ph\u00ed, l\u00e3i su\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a TCTD \u0111\u1ec3 tho\u00e1t kh\u1ecfi tr\u1ea7n l\u00e3i su\u1ea5t tr\u00ean). V\u1ec1 y\u00eau c\u1ea7u chung, c\u1ea7n ti\u1ebfp t\u1ee5c 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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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\u1ed1n, \u0111\u1ec3 tr\u00e1nh \u0111\u1eb7t th\u00eam m\u1ed9t lo\u1ea1i l\u00e3i su\u1ea5t kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 x\u00e1c \u0111\u00e1ng, kh\u00f4ng 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.<\/p>\n

      17. V\u1ec1 thu n\u1ee3 tr\u01b0\u1edbc h\u1ea1n (\u0110i\u1ec1u 95 – Ch\u1ea5m d\u1ee9t c\u1ea5p t\u00edn d\u1ee5ng, x\u1eed l\u00fd n\u1ee3, mi\u1ec5n, gi\u1ea3m l\u00e3i su\u1ea5t):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u00e2y l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 r\u1ea5t quan tr\u1ecdng b\u1eaft \u0111\u1ea7u v\u01b0\u1edbng m\u1eafc tr\u00ean th\u1ef1c t\u1ebf, d\u1eabn \u0111\u1ebfn nguy c\u01a1 c\u00e1c TCTD kh\u00f4ng v\u00ec kho\u1ea3n 3, \u0110i\u1ec1u 473 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 v\u1ec1 \u201cNgh\u0129a v\u1ee5 c\u1ee7a b\u00ean cho vay\u201d quy \u0111\u1ecbnh: B\u00ean cho vay: \u201cKh\u00f4ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u b\u00ean vay tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc th\u1eddi h\u1ea1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 478 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y<\/em>.\u201d M\u00e0 \u0110i\u1ec1u 478 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n\u201d ch\u1ec9 lo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u201cb\u00ean cho vay ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n, n\u1ebfu \u0111\u01b0\u1ee3c b\u00ean vay \u0111\u1ed3ng \u00fd<\/em>\u201d \u0111\u1ed1i v\u1edbi lo\u1ea1i h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 kh\u00f4ng c\u00f3 l\u00e3i. Theo nh\u1eefng quy \u0111\u1ecbnh n\u00e0y, khi kh\u00e1ch h\u00e0ng ch\u1eadm tr\u1ea3 m\u1ed9t k\u1ef3 h\u1ea1n n\u1ee3 ho\u1eb7c c\u00f3 nh\u1eefng vi ph\u1ea1m kh\u00e1c, th\u00ec TCTD s\u1ebd kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c vi\u1ec7c:<\/p>\n

      +\u00a0\u00a0 Chuy\u1ec3n to\u00e0n b\u1ed9 s\u1ed1 n\u1ee3 sang n\u1ee3 qu\u00e1 h\u1ea1n;<\/p>\n

      +\u00a0\u00a0 Thu h\u1ed3i to\u00e0n b\u1ed9 n\u1ee3 vay;<\/p>\n

      +\u00a0\u00a0 X\u1eed l\u00fd t\u1ea3i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i n\u1ee3.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 1, \u0110i\u1ec1u 95, D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh: \u201dTCTD c\u00f3 quy\u1ec1n ch\u1ea5m d\u1ee9t vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng, thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n khi ph\u00e1t hi\u1ec7n kh\u00e1ch h\u00e0ng cung c\u1ea5p th\u00f4ng tin sai s\u1ef1 th\u1eadt, vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng<\/em>\u201d. Kho\u1ea3n 2 \u0110i\u1ec1u n\u00e0y quy \u0111\u1ecbnh: \u00a0\u201dTrong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 \u0111\u1ebfn h\u1ea1n, n\u1ebfu c\u00e1c b\u00ean kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c th\u00ec TCTD c\u00f3 quy\u1ec1n x\u1eed l\u00fd n\u1ee3, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay theo h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng, h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c c\u00f3 li\u00ean quan c\u1ee7a ph\u00e1p lu\u1eadt<\/em>.\u201d Nh\u01b0 v\u1eady, kh\u00f4ng \u0111\u1ee7 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 l\u00e0m kh\u00e1c v\u1edbi quy \u0111\u1ecbnh tr\u00ean c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00ec v\u1eady \u0111\u1ec1 ngh\u1ecb D\u1ef1 lu\u1eadt quy \u0111\u1ecbnh r\u00f5 v\u1ec1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p v\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n, chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. \u0110\u00e2y l\u00e0 lo\u1ea1i \u0111\u1eb7c th\u00f9 kh\u00e1c bi\u1ec7t v\u1edbi cho vay d\u00e2n s\u1ef1, n\u1ebfu kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 th\u00ec s\u1ebd v\u01b0\u1edbng m\u1eafc l\u1edbn.<\/p>\n

      18. V\u1ec1 l\u01b0u gi\u1eef h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng (\u0111i\u1ec3m c, kho\u1ea3n 1, \u0110i\u1ec1u 96):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 do nhi\u1ec1u c\u1ea5p tham gia quy\u1ebft \u0111\u1ecbnh c\u1ea5p t\u00edn d\u1ee5ng. N\u1ebfu do H\u1ed9i \u0111\u1ed3ng t\u00edn d\u1ee5ng t\u1ea1i H\u1ed9i s\u1edf ch\u1ec9nh c\u1ee7a TCTD quy\u1ebft \u0111\u1ecbnh, th\u00ec c\u00f3 th\u1ec3 kh\u00f4ng g\u1eedi Bi\u00ean b\u1ea3n, m\u00e0 ch\u1ec9 g\u1eedi b\u1ea3n tr\u00edch sao bi\u00ean b\u1ea3n ho\u1eb7c v\u0103n b\u1ea3n th\u00f4ng b\u00e1o ph\u00ea duy\u1ec7t cho chi nh\u00e1nh \u0111\u1ec3 l\u01b0u h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng (v\u00ec v\u1ec1 nguy\u00ean t\u1eafc, Bi\u00ean b\u1ea3n ph\u1ea3i ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 \u00fd ki\u1ebfn kh\u00e1c nhau, trong \u0111\u00f3 c\u1ecf th\u1ec3 c\u00f3 nh\u1eefng n\u1ed9i dung kh\u00f4ng ph\u00f9 h\u1ee3p, kh\u00f4ng c\u1ea7n thi\u1ebft chuy\u1ec3n cho chi nh\u00e1nh);<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00ec v\u1eady, n\u00ean thay quy \u0111\u1ecbnh l\u01b0u h\u1ed3 s\u01a1 \u201ctrong tr\u01b0\u1eddng h\u1ee3p quy\u1ebft \u0111\u1ecbnh t\u1eadp th\u1ec3, ph\u1ea3i c\u00f3 bi\u00ean b\u1ea3n, ghi r\u00f5 quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u00f4ng qua\u201d, b\u1eb1ng quy \u0111\u1ecbnh: Tr\u01b0\u1eddng h\u1ee3p quy\u1ebft \u0111\u1ecbnh t\u1eadp th\u1ec3, ph\u1ea3i c\u00f3 bi\u00ean b\u1ea3n, ghi r\u00f5 quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u00f4ng qua v\u00e0 \u0111\u01b0\u1ee3c l\u01b0u gi\u1eef trong b\u1ed9 h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng ho\u1eb7c l\u01b0u ri\u00eang.<\/p>\n

      19. 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><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m b, kho\u1ea3n 2 c\u1ee7a \u0110i\u1ec1u 107,\u00a0 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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.<\/p>\n

      20. 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><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.\u00a0 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. Ch\u1eb3ng h\u1ea1n cho vay CBNV \u0111\u1ec3 c\u1ed5 ph\u1ea7n ho\u00e1, cho vay \u0111\u1ec3 g\u00f3p v\u1ed1n th\u00e0nh l\u1eadp doanh nghi\u1ec7p, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n kh\u00e1c, th\u00ec kh\u00f4ng n\u00ean c\u1ea5m. Ngo\u00e0i ra, kho\u1ea3n n\u00e0y c\u00f2n m\u00e2u thu\u1eabn v\u1edbi kho\u1ea3n 6 quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c cho vay \u0111\u1ec3 g\u00f3p v\u1ed1n v\u00e0o TCTD kh\u00e1c, ch\u1ec9 tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u201ctr\u00ean c\u01a1 s\u1edf nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m b\u1eb1ng c\u1ed5 phi\u1ebfu c\u1ee7a ch\u00ednh TCTD \u0111\u01b0\u1ee3c g\u00f3p v\u1ed1n\u201d.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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;<\/p>\n

      21. V\u1ec1 gi\u1edbi h\u1ea1n b\u1ecb h\u1ea1n ch\u1ebf c\u1ea5p t\u00edn d\u1ee5ng (\u0110i\u1ec1u 127):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea7n quy \u0111\u1ecbnh r\u00f5 kh\u00e1i ni\u1ec7m t\u1ea1i \u0111i\u1ec3m d, kho\u1ea3n 1 v\u1ec1 \u201cNg\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh, x\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng\u201d tr\u00e1nh c\u00e1ch hi\u1ec3u kh\u00e1c nhau t\u1ea1i \u0111\u00e3 \u0111eo \u0111\u1eb3ng h\u01a1n ch\u1ee5c n\u0103m nay (\u0111ang \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt c\u00e1c TCTD hi\u1ec7n h\u00e0nh);<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \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.<\/p>\n

      22. V\u1ec1 gi\u1edbi h\u1ea1n g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n (\u0110i\u1ec1u 129):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u00ean n\u00e2ng \u201cM\u1ee9c v\u1ed1n g\u00f3p, mua c\u1ed5 ph\u1ea7n c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 c\u00e1c c\u00f4ng ty con c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00f3 v\u00e0o m\u1ed9t doanh nghi\u1ec7p\u201d t\u1eeb 11% l\u00ean 20%, \u0111\u1ed3ng th\u1eddi gi\u1edbi h\u1ea1n th\u00eam t\u1ef7 l\u1ec7 kh\u00f4ng qu\u00e1 11% so v\u1edbi v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng (b\u00ean c\u1ea1nh t\u1ed5ng m\u1ee9c g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n 40%).<\/p>\n

      23. V\u1ec1 th\u1ee9 t\u1ef1 \u01b0u ti\u00ean tr\u1ea3 n\u1ee3 kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t (kho\u1ea3n 3, \u0110i\u1ec1u 151):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea7n b\u1ed5 sung v\u00e0o cu\u1ed1i c\u00e2u \u201cKho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c \u01b0u ti\u00ean ho\u00e0n tr\u1ea3 tr\u01b0\u1edbc t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00e1c c\u1ee7a TCTD\u201d \u0111o\u1ea1n \u201dk\u1ec3 c\u1ea3 n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d, \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng xung \u0111\u1ed9t v\u1edbi quy \u0111\u1ecbnh v\u1ec1 \u01b0u ti\u00ean thanh to\u00e1n n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

      24. V\u1ec1 th\u1eddi h\u1ea1n x\u1eed l\u00fd v\u01b0\u1edbng m\u1eafc (\u0110i\u1ec1u 162):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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?\u00a0 \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.<\/p>\n

      25. V\u1ec1 quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh (\u0110i\u1ec1u 164):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Quy \u0111\u1ecbnh th\u1ea9m quy\u1ec1n c\u1ee5 th\u1ec3 ho\u00e1 Lu\u1eadt qu\u00e1 r\u1ed9ng: \u201dCh\u00ednh ph\u1ee7 v\u00e0 c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n quy \u0111\u1ecbnh chi ti\u1ebft, h\u01b0\u1edbng d\u1eabn… nh\u1eefng n\u1ed9i dung c\u1ea7n thi\u1ebft kh\u00e1c trong Lu\u1eadt n\u00e0y \u0111\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc\u201d.<\/p>\n

      26. V\u1ec1 th\u1ee7 t\u1ee5c g\u1eedi th\u00f4ng b\u00e1o m\u1eddi h\u1ecdp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng (kh\u00f4ng quy \u0111\u1ecbnh):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 100 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p, th\u00ec b\u1eaft bu\u1ed9c ph\u1ea3i g\u1eedi th\u01b0 m\u1eddi h\u1ecdp tr\u1ef1c ti\u1ebfp \u0111\u1ebfn t\u1ea5t c\u1ea3 c\u00e1c c\u1ed5 \u0111\u00f4ng (k\u00e8m theo \u0111\u1ea7y \u0111\u1ee7 t\u00e0i li\u1ec7u). \u0110i\u1ec1u n\u00e0y g\u00e2y kh\u00f3 kh\u0103n, t\u1ed1n k\u00e9m l\u1edbn cho c\u00e1c TCTD c\u00f3 s\u1ed1 l\u01b0\u1ee3ng l\u00ean \u0111\u1ebfn h\u00e0ng v\u1ea1n c\u1ed5 \u0111\u00f4ng. V\u00ec v\u1eady, n\u00ean c\u00f3 quy \u0111\u1ecbnh ch\u1ec9 b\u1eaft bu\u1ed9c ph\u1ea3i th\u00f4ng b\u00e1o tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang, tr\u00ean Website c\u1ee7a TCTD v\u00e0 g\u1eedi tr\u1ef1c ti\u1ebfp cho m\u1ed9t s\u1ed1 c\u1ed5 \u0111\u00f4ng nh\u1ea5t \u0111\u1ecbnh (v\u00ed d\u1ee5 c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 1% s\u1ed1 c\u1ed5 ph\u1ea7n c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft tr\u1edf l\u00ean), v\u00ec \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 s\u1ed1 c\u1ed5 ph\u1ea7n t\u1ed1i thi\u1ec3u \u0111\u1ec3 ti\u1ebfn h\u00e0nh cu\u1ed9c h\u1ecdp.<\/p>\n

      III\/\u00a0<\/strong>V\u1ec0 C\u00c2U CH\u1eee, T\u1eea NG\u1eee:<\/strong><\/p>\n

      1. V\u1ec1 gi\u1ea3i th\u00edch t\u1eeb ng\u1eef (\u0110i\u1ec1u 4):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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:<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Thu\u1eadt ng\u1eef \u201cCung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n\u201d (kho\u1ea3n 15), ch\u1ec9 xu\u1ea5t hi\u1ec7n th\u00eam 1 l\u1ea7n t\u1ea1i kho\u1ea3n 11 c\u1ee7a \u0110i\u1ec1u 4 (ch\u00ednh \u0110i\u1ec1u gi\u1ea3i th\u00edch t\u1eeb ng\u1eef);<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Thu\u1eadt ng\u1eef \u201cPh\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1\u201d (kho\u1ea3n 16), ngo\u00e0i l\u1ea7n xu\u1ea5t hi\u1ec7n t\u1ea1i kho\u1ea3n 12 c\u1ee7a ch\u00ednh \u0110i\u1ec1u gi\u1ea3i th\u00edch, th\u00ec ch\u1ec9 c\u00f2n \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn t\u1ea1i \u0110i\u1ec1u 92 (Ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 c\u1ee7a TCTD);<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Thu\u1eadt ng\u1eef \u201cM\u00f4i gi\u1edbi ti\u1ec1n t\u1ec7\u201d (kho\u1ea3n 23), 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);<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Thu\u1eadt ng\u1eef \u201cG\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a TCTD\u201d (kho\u1ea3n 26), 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);<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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 27), 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;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Thu\u1eadt ng\u1eef \u201cS\u1edf h\u1eefu gi\u00e1n ti\u1ebfp\u201d (kho\u1ea3n 29), 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.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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 15, \u0110i\u1ec1u 4; \u0111i\u1ec3m a, kho\u1ea3n 4, \u0110i\u1ec1u 98\u00a0 – 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 – Quy \u0111\u1ecbnh n\u1ed9i b\u1ed9); \u201dcam k\u1ebft ngo\u1ea1i b\u1ea3ng\u201d (\u0111i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 130 – T\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n).<\/p>\n

      2. Gi\u1ea3i th\u00edch c\u1ee5m t\u1eeb n\u00e0y nh\u01b0ng l\u1ea1i s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb kh\u00e1c (\u0110i\u1ec1u 4):<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ecbnh ngh\u0129a thu\u1eadt ng\u1eef \u201cG\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a TCTD\u201d (kho\u1ea3n 26), nh\u01b0ng sau \u0111\u00f3 l\u1ea1i ch\u1ec9\u00a0 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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ecbnh ngh\u0129a thu\u1eadt ng\u1eef \u201cS\u1edf h\u1eefu gi\u00e1n ti\u1ebfp\u201d (kho\u1ea3n 29), 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. Trong khi \u0111\u00f3 \u0110i\u1ec1u 50 th\u00ec l\u1ea1i nh\u1eafc \u0111\u1ebfn c\u1ee5m t\u1eeb \u201cgi\u00e1n ti\u1ebfp s\u1edf h\u1eefu\u201d.<\/p>\n

      3. S\u1eed d\u1ee5ng t\u1eeb ng\u1eef thi\u1ebfu ch\u00ednh x\u00e1c:<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 <\/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(kho\u1ea3n<\/em> 14 v\u00e0 15, \u0110i\u1ec1u 4 – 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,….;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 <\/em>y\u00eau c\u1ea7u b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed (\u0110i\u1ec1u<\/em> 133):<\/em> Quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a TCTD l\u00e0 \u201cph\u1ea3i thi\u1ebft l\u1eadp h\u1ec7 th\u1ed1ng nh\u1eadn d\u1ea1ng, gi\u00e1m s\u00e1t v\u00e0 ki\u1ec3m so\u00e1t c\u00e1c r\u1ee7i ro, th\u1ef1c hi\u1ec7n \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u00e0 b\u1ea3o m\u1eadt trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7.\u201d S\u1ebd tr\u1edf l\u00ean b\u1ea5t h\u1ee3p l\u00fd n\u1ebfu sau n\u00e0y c\u00f3 Lu\u1eadt Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh.<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.<\/p>\n

      4. V\u1ec1 s\u1eed d\u1ee5ng c\u00e1c t\u1eeb \u201dth\u1eddi h\u1ea1n\u201d, \u201dth\u1eddi gian\u201d v\u00e0 \u201dtrong v\u00f2ng\u201d:<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng th\u1ed1ng nh\u1ea5t trong vi\u1ec7c s\u1eed d\u1ee5ng 2 t\u1eeb n\u00e0y. Ngo\u00e0i c\u00e1c \u0111i\u1ec1u 22, 26, 29, 31, 36, 43, 44, 45, 52, 53, 54, 56, 58, 59, 63, 77, 84, 95, 96, 113, 132, 141, 143, 146, 147, 148, 162, s\u1eed d\u1ee5ng t\u1eeb \u201dth\u1eddi h\u1ea1n\u201d, c\u00e1c \u0111i\u1ec1u kho\u1ea3n d\u01b0\u1edbi \u0111\u00e2y ph\u1ea3i thay t\u1eeb \u201dth\u1eddi gian\u201d v\u00e0 \u201dv\u00f2ng\u201d b\u1eb1ng t\u1eeb \u201dth\u1eddi h\u1ea1n\u201d th\u00ec m\u1edbi ch\u00ednh x\u00e1c v\u00e0 b\u1ea3o \u0111\u1ea3m s\u1ef1 th\u1ed1ng nh\u1ea5t v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c:<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 16, \u0110i\u1ec1u 4 (Gi\u1ea3i th\u00edch t\u1eeb ng\u1eef): \u201dCho vay l\u00e0 h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng, theo \u0111\u00f3 b\u00ean cho vay giao cho kh\u00e1ch h\u00e0ng m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u1ec3 s\u1eed d\u1ee5ng v\u00e0o m\u1ee5c \u0111\u00edch x\u00e1c \u0111\u1ecbnh trong m\u1ed9t th\u1eddi gian<\/em> nh\u1ea5t \u0111\u1ecbnh theo tho\u1ea3 thu\u1eadn v\u1edbi nguy\u00ean t\u1eafc c\u00f3 ho\u00e0n tr\u1ea3 c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m c, kho\u1ea3n 4, \u0110i\u1ec1u 29 (Nh\u1eefng thay \u0111\u1ed5i ph\u1ea3i \u0111\u01b0\u1ee3c NHNN ch\u1ea5p thu\u1eadn): \u201dC\u00f4ng b\u1ed1 n\u1ed9i dung thay \u0111\u1ed5i quy \u0111\u1ecbnh t\u1ea1i c\u00e1c \u0111i\u1ec3m a, b, c, d kho\u1ea3n 1 \u0110i\u1ec1u n\u00e0y trong v\u00f2ng<\/em> 7 l\u00e0m vi\u1ec7c…\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 3, \u0110i\u1ec1u 31 (\u0110i\u1ec1u l\u1ec7): \u201d\u0110i\u1ec1u l\u1ec7 c\u1ee7a TCTD v\u00e0 m\u1ecdi s\u1eeda \u0111\u1ed5i, b\u1ed5 sung \u0110i\u1ec1u l\u1ec7 c\u1ee7a TCTD ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc trong v\u00f2ng<\/em> 15 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y \u0111\u01b0\u1ee3c th\u00f4ng qua.\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 35 (\u0110\u01b0\u01a1ng nhi\u00ean m\u1ea5t t\u01b0 c\u00e1ch): \u201dH\u0110QT… ph\u1ea3i c\u00f3 v\u0103n b\u1ea3n b\u00e1o c\u00e1o… g\u1eedi NHNN trong v\u00f2ng<\/em> 05 ng\u00e0y l\u00e0m vi\u1ec7c…\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 3, \u0110i\u1ec1u 42 (Ki\u1ec3m to\u00e1n \u0111\u1ed9c l\u1eadp): \u201dTrong v\u00f2ng<\/em> 30 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y quy\u1ebft \u0111\u1ecbnh ch\u1ecdn t\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n \u0111\u1ed9c l\u1eadp,…\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 3, \u0110i\u1ec1u 51 (Ch\u1ea5p thu\u1eadn danh s\u00e1ch d\u1ef1 ki\u1ebfn nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea7u, b\u1ed5 nhi\u1ec7m l\u00e0m th\u00e0nh vi\u00ean H\u0110QT, H\u0110TV, th\u00e0nh vi\u00ean Ban ki\u1ec3m so\u00e1t, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c (Gi\u00e1m \u0111\u1ed1c) c\u1ee7a TCTD): \u201dTCTD ph\u1ea3i th\u00f4ng b\u00e1o cho NHNN danh s\u00e1ch nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea7u, b\u1ed5 nhi\u1ec7m c\u00e1c ch\u1ee9c danh quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u n\u00e0y trong v\u00f2ng<\/em> 10 ng\u00e0y l\u00e0m vi\u1ec7c k\u1ec3 t\u1eeb ng\u00e0y b\u1ea7u, b\u1ed5 nhi\u1ec7m.\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 5, \u0110i\u1ec1u 55 (T\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n): \u201dTrong v\u00f2ng<\/em> 5 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y \u0111\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng,…\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec1u 61 (B\u00e1o c\u00e1o k\u1ebft qu\u1ea3 h\u1ecdp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng): \u201dTrong v\u00f2ng<\/em> 15 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y b\u1ebf m\u1ea1c cu\u1ed9c h\u1ecdp, t\u1ea5t c\u1ea3 c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng th\u00f4ng qua ph\u1ea3i \u0111\u01b0\u1ee3c g\u1eedi \u0111\u1ebfn NHNN.\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 77 (\u0110i\u1ec1u l\u1ec7): \u201d\u0110i\u1ec1u l\u1ec7 v\u00e0 m\u1ecdi s\u1eeda \u0111\u1ed5i, b\u1ed5 sung \u0110i\u1ec1u l\u1ec7 c\u1ee7a TCTD l\u00e0 h\u1ee3p t\u00e1c x\u00e3 ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd t\u1ea1i NHNN trong v\u00f2ng<\/em> 15 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y \u0111\u01b0\u1ee3c th\u00f4ng qua.\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 6, \u0110i\u1ec1u 103 (G\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n): \u201dTrong tr\u01b0\u1eddng h\u1ee3p n\u1eafm gi\u1eef c\u1ed5 phi\u1ebfu do x\u1eed l\u00fd n\u1ee3, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i b\u00e1n s\u1ed1 c\u1ed5 phi\u1ebfu n\u00e0y trong v\u00f2ng<\/em> 06 th\u00e1ng k\u1ec3 t\u1eeb ng\u00e0y x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 c\u1ed5 phi\u1ebfu.\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 1, \u0110i\u1ec1u 142 (B\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a c\u00f4ng ty ki\u1ec3m so\u00e1t): \u201dTrong v\u00f2ng <\/em>90 ng\u00e0y k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac n\u0103m t\u00e0i ch\u00ednh, ngo\u00e0i b\u00e1o c\u00e1o v\u00e0 t\u00e0i li\u1ec7u theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, c\u00f4ng ty ki\u1ec3m so\u00e1t ph\u1ea3i l\u1eadp v\u00e0 g\u1eedi cho NHNN c\u00e1c b\u00e1o c\u00e1o sau \u0111\u00e2y\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 8, \u0110i\u1ec1u 142 (B\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a c\u00f4ng ty ki\u1ec3m so\u00e1t): \u201dTrong v\u00f2ng<\/em> 3 th\u00e1ng k\u1ec3 t\u1eeb ng\u00e0y k\u1ebft th\u00fac n\u0103m t\u00e0i ch\u00ednh, c\u00f4ng ty ki\u1ec3m so\u00e1t ph\u1ea3i l\u1eadp v\u00e0 g\u1eedi cho NHNN b\u00e1o c\u00e1o t\u1ed5ng h\u1ee3p…\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 162 (Quy \u0111\u1ecbnh chuy\u1ec3n ti\u1ebfp \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c \u0111ang ho\u1ea1t \u0111\u1ed9ng): \u201dTrong th\u1eddi gian<\/em> t\u1ed1i \u0111a 2 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y Lu\u1eadt n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh…\u201d.<\/p>\n

      5. V\u1ec1 s\u1eed d\u1ee5ng 2 t\u1eeb \u201cquy \u0111\u1ecbnh\u201d v\u00e0 \u201cquy ch\u1ebf\u201d:<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng th\u1ed1ng nh\u1ea5t trong vi\u1ec7c s\u1eed d\u1ee5ng 2 t\u1eeb n\u00e0y nh\u01b0 d\u01b0\u1edbi \u0111\u00e2y, d\u1eabn \u0111\u1ebfn kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c th\u1ea9m quy\u1ec1n ban h\u00e0nh, t\u00ednh ch\u1ea5t c\u1ee7a v\u0103n b\u1ea3n v\u00e0 y\u00eau c\u1ea7u c\u1ee7a Lu\u1eadt. \u0110\u1ec1 ngh\u1ecb th\u1ed1ng nh\u1ea5t s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb \u201cquy \u0111\u1ecbnh n\u1ed9i b\u1ed9\u201d (kh\u00f4ng vi\u1ebft hoa ch\u1eef \u201cquy \u0111\u1ecbnh\u201d) ho\u1eb7c H\u0110QT, Ban ki\u1ec3m so\u00e1t ban h\u00e0nh Quy ch\u1ebf, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c ban h\u00e0nh quy \u0111\u1ecbnh:<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 1, \u0110i\u1ec1u 11 (Tr\u00e1ch nhi\u1ec7m ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1) quy \u0111\u1ecbnh TCTD ph\u1ea3i x\u00e2y d\u1ef1ng \u201dc\u00e1c quy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9\u201d v\u1ec1 ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m e, kho\u1ea3n 2, \u0110i\u1ec1u 26 (\u0110i\u1ec1u ki\u1ec7n khai tr\u01b0\u01a1ng ho\u1ea1t \u0111\u1ed9ng) quy \u0111\u1ecbnh: TCTD ph\u1ea3i c\u00f3 \u201cc\u00e1c quy ch\u1ebf<\/em> qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9 v\u1ec1 t\u1ed5 ch\u1ee9c, ho\u1ea1t \u0111\u1ed9ng\u2026\u201d, \u201cquy ch\u1ebf<\/em> n\u1ed9i b\u1ed9 v\u1ec1 qu\u1ea3n l\u00fd r\u1ee7i ro; quy ch\u1ebf<\/em> v\u1ec1 qu\u1ea3n l\u00fd m\u1ea1ng l\u01b0\u1edbi\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m c, kho\u1ea3n 1, \u0110i\u1ec1u 40 (H\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9) quy \u0111\u1ecbnh: Ph\u1ea3i tu\u00e2n th\u1ee7 \u201cc\u00e1c quy ch\u1ebf<\/em>, quy tr\u00ecnh, quy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 40 (H\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9) \u0111\u1ecbnh ngh\u0129a: H\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 l\u00e0 t\u1eadp h\u1ee3p c\u00e1c c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch, quy tr\u00ecnh, quy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9,…\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 1, \u0110i\u1ec1u 44 (Ban ki\u1ec3m so\u00e1t v\u00e0 c\u01a1 c\u1ea5u Ban ki\u1ec3m so\u00e1t) quy \u0111\u1ecbnh: Ban ki\u1ec3m so\u00e1t l\u00e0 c\u01a1 quan c\u00f3 tr\u00e1ch nhi\u1ec7m ki\u1ec3m so\u00e1t, \u0111\u00e1nh gi\u00e1 vi\u1ec7c ch\u1ea5p h\u00e0nh \u201dc\u00e1c quy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9, c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, \u0110i\u1ec1u l\u1ec7…\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 45 (Nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a Ban ki\u1ec3m so\u00e1t) quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng tr\u00e1ch nhi\u1ec7m c\u1ee7a Ban ki\u1ec3m so\u00e1t l\u00e0 ban h\u00e0nh \u201dQuy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9 c\u1ee7a Ban ki\u1ec3m so\u00e1t\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 5, \u0110i\u1ec1u 49 (Nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a T\u1ed5ng gi\u00e1m \u0111\u1ed1c (Gi\u00e1m \u0111\u1ed1c) quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng th\u1ea9m quy\u1ec1n c\u1ee7a T\u1ed5ng gi\u00e1m \u0111\u1ed1c l\u00e0 ban h\u00e0nh \u201dc\u00e1c quy ch\u1ebf, quy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m d, kho\u1ea3n 1, \u0110i\u1ec1u 54 (Ngh\u0129a v\u1ee5 c\u1ee7a c\u1ed5 \u0111\u00f4ng) y\u00eau c\u1ea7u c\u1ed5 \u0111\u00f4ng tu\u00e2n th\u1ee7 \u0110i\u1ec1u l\u1ec7 v\u00e0 \u201dc\u00e1c quy ch\u1ebf<\/em> qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9 TCTD\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 11, \u0110i\u1ec1u 63 (Nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a H\u0110QT) quy \u0111\u1ecbnh H\u0110QT ban h\u00e0nh \u201dc\u00e1c Quy \u0111\u1ecbnh<\/em> 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 TCTD\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 1, \u0110i\u1ec1u 65 (Nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a th\u00e0nh vi\u00ean H\u0110QT) y\u00eau c\u1ea7u th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a m\u1ed9t th\u00e0nh vi\u00ean H\u0110QT theo \u0111\u00fang \u201dquy ch\u1ebf<\/em> n\u1ed9i b\u1ed9 c\u1ee7a H\u0110QT…\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m l, kho\u1ea3n 2, \u0110i\u1ec1u 67 (Nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a H\u0110TV) quy \u0111\u1ecbnh H\u0110TV ban h\u00e0nh \u201dc\u00e1c quy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9 li\u00ean quan t\u1edbi t\u1ed5 ch\u1ee9c, qu\u1ea3n tr\u1ecb v\u00e0 ho\u1ea1t \u0111\u1ed9ng TCTD\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 1, \u0110i\u1ec1u 69 (Nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a th\u00e0nh vi\u00ean H\u0110TV) y\u00eau c\u1ea7u th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a m\u1ed9t th\u00e0nh vi\u00ean H\u0110TV theo \u0111\u00fang \u201dquy ch\u1ebf<\/em> n\u1ed9i b\u1ed9 c\u1ee7a H\u0110TV…\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m c, kho\u1ea3n 1, \u0110i\u1ec1u 72 (H\u0110TV) quy \u0111\u1ecbnh H\u0110TV c\u1ee7a TCTD TNHH 2 th\u00e0nh vi\u00ean tr\u1edf l\u00ean ban h\u00e0nh \u201dQuy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9 c\u1ee7a H\u0110TV v\u00e0 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 TCTD\u201d;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec1u 93 (Quy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9) quy \u0111\u1ecbnh c\u00e1c TCTD ph\u1ea3i x\u00e2y d\u1ef1ng v\u00e0 ban h\u00e0nh \u201dc\u00e1c quy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9 \u0111\u1ed1i v\u1edbi m\u1ecdi ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 c\u1ee7a TCTD\u201d, trong \u0111\u00f3 c\u00f3 \u201dQuy \u0111\u1ecbnh<\/em> c\u1ea5p t\u00edn d\u1ee5ng\u201d (kh\u00f4ng th\u1ec3 c\u00f3 m\u1ed9t quy \u0111\u1ecbnh chung, m\u00e0 ph\u1ea3i l\u00e0 nhi\u1ec1u quy \u0111\u1ecbnh v\u1ec1 cho vay, b\u1ea3o l\u00e3nh, chi\u1ebft kh\u1ea5u,…); \u201dQuy \u0111\u1ecbnh<\/em> v\u1ec1 ph\u00e2n lo\u1ea1i n\u1ee3 v\u00e0 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro\u201d; \u201dQuy \u0111\u1ecbnh<\/em> v\u1ec1 \u0111\u00e1nh gi\u00e1 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n C\u00f3 v\u00e0 tu\u00e2n th\u1ee7 t\u1ec9 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u\u201d; \u201dQuy \u0111\u1ecbnh<\/em> v\u1ec1 qu\u1ea3n l\u00fd thanh kho\u1ea3n\u201d; \u201dQuy \u0111\u1ecbnh<\/em> v\u1ec1 h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9\u201d; \u201dQuy \u0111\u1ecbnh<\/em> v\u1ec1 h\u1ec7 th\u1ed1ng x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9\u201d; \u201dQuy \u0111\u1ecbnh<\/em> v\u1ec1 qu\u1ea3n tr\u1ecb r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD\u201d; \u201dQuy \u0111\u1ecbnh<\/em> v\u1ec1 quy tr\u00ecnh, th\u1ee7 t\u1ee5c ph\u00f9 h\u1ee3p, bao g\u1ed3m c\u1ea3 nguy\u00ean t\u1eafc \u201cnh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng\u201d \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ng\u0103n ng\u1eeba vi\u1ec7c TCTD b\u1ecb l\u1ea1m d\u1ee5ng cho c\u00e1c m\u1ee5c \u0111\u00edch r\u1eeda ti\u1ec1n, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1 v\u00e0 t\u1ed9i ph\u1ea1m kh\u00e1c\u201d v\u00e0 TCTD ph\u1ea3i g\u1eedi cho NHNN \u201dc\u00e1c quy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9\u201d n\u00f3i tr\u00ean;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 4, \u0110i\u1ec1u 95 (Ch\u1ea5m d\u1ee9t c\u1ea5p t\u00edn d\u1ee5ng, x\u1eed l\u00fd n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t) quy \u0111\u1ecbnh TCTD c\u00f3 quy\u1ec1n quy\u1ebft \u0111\u1ecbnh mi\u1ec5n, gi\u1ea3m l\u00e3i su\u1ea5t, ph\u00ed cho kh\u00e1ch h\u00e0ng theo \u201dquy \u0111\u1ecbnh<\/em> n\u1ed9i b\u1ed9 c\u1ee7a TCTD\u201d.<\/p>\n

      6. Vi\u1ebft hoa kh\u00f4ng th\u1ed1ng nh\u1ea5t:<\/em><\/strong><\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng th\u1ed1ng nh\u1ea5t c\u00e1ch vi\u1ebft hoa m\u1ed9t s\u1ed1 t\u1eeb, c\u1ee5m t\u1eeb gi\u1eefa H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean, Ban ki\u1ec3m so\u00e1t v\u1edbi T\u1ed5ng Gi\u00e1m \u0111\u1ed1c (vi\u1ebft hoa ch\u1eef Gi\u00e1m nh\u01b0ng kh\u00f4ng vi\u1ebft hoa ch\u1eef qu\u1ea3n, th\u00e0nh, ki\u1ec3m);<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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 c\u1ee7a<\/em> TCTD\u201d (xu\u1ea5t hi\u1ec7n 36 l\u1ea7n).<\/p>\n

      IV\/ V\u1ec0 K\u1ef8 THU\u1eacT SO\u1ea0N TH\u1ea2O:<\/strong><\/p>\n

        \n
      1. V\u1ec1 t\u00ean c\u00e1c \u0111i\u1ec1u lu\u1eadt (c\u00e1c \u0110i\u1ec1u 49, 63, 82, 86,…):<\/em><\/strong><\/li>\n<\/ol>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec1u 49 v\u00e0 86 \u0111\u1ec1u c\u00f3 chung m\u1ed9t t\u00ean \u0111i\u1ec1u l\u00e0 \u201dNhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a T\u1ed5ng gi\u00e1m \u0111\u1ed1c (Gi\u00e1m \u0111\u1ed1c)\u201d. \u0110i\u1ec1u 63 v\u00e0 \u0110i\u1ec1u 82 \u0111\u1ec1u c\u00f3 t\u00ean g\u1ecdi gi\u1ed1ng nhau l\u00e0 \u201dNhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a H\u0110QT\u201d;<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u00ean c\u00e1c \u0111i\u1ec1u lu\u1eadt c\u1ea7n tr\u00e1nh tr\u00f9ng l\u1eb7p nhau v\u00e0 tr\u00e1nh tr\u00f9ng l\u1eb7p v\u1edbi t\u00ean m\u1ee5c, ch\u01b0\u01a1ng (tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ch\u01b0\u01a1ng, m\u1ee5c ch\u1ec9 c\u00f3 1 \u0111i\u1ec1u). B\u00ean c\u1ea1nh \u0111\u00f3, \u0110i\u1ec1u 62 \u0111\u00e3 x\u00e1c \u0111\u1ecbnh t\u00ean c\u1ee5 th\u1ec3 \u201dH\u0110QT c\u1ee7a TCTD l\u00e0 c\u00f4ng ty c\u1ed5 ph\u1ea7n\u201d th\u00ec t\u00ean \u0110i\u1ec1u 81 kh\u00f4ng th\u1ec3 g\u1ecdi t\u00ean \u0111i\u1ec1u l\u00e0 \u201dH\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb\u201d, m\u00e0 ph\u1ea3i t\u01b0\u01a1ng \u1ee9ng l\u00e0 \u201dH\u0110QT c\u1ee7a TCTD l\u00e0 h\u1ee3p t\u00e1c x\u00e3\u201d.<\/p>\n

        2. V\u1ec1 b\u1ed1 c\u1ee5c c\u1ee7a c\u00e1c \u0111i\u1ec1u lu\u1eadt:<\/em><\/strong><\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea7n b\u1ea3o \u0111\u1ea3m t\u00ednh l\u00f4 g\u00edc v\u00e0 k\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o v\u0103n b\u1ea3n, th\u1ed1ng nh\u1ea5t v\u1ec1 k\u1ebft c\u1ea5u c\u1ee7a c\u00e1c \u0111i\u1ec1u, kho\u1ea3n; tr\u00e1nh t\u00ecnh tr\u1ea1ng xu\u1ea5t hi\u1ec7n c\u00e1c \u0111o\u1ea1n v\u0103n kh\u00f4ng thu\u1ed9c b\u1ea5t c\u1ee9 b\u1ed1 c\u1ee5c n\u00e0o c\u1ee7a \u0111i\u1ec1u lu\u1eadt: Kh\u00f4ng thu\u1ed9c v\u1ec1 t\u00ean \u0111i\u1ec1u; kh\u00f4ng thu\u1ed9c kho\u1ea3n 1, 2, 3,…; kh\u00f4ng thu\u1ed9c \u0111i\u1ec3m a, b, c,… (tr\u1eeb \u0111i\u1ec1u lu\u1eadt kh\u00f4ng ph\u00e2n th\u00e0nh kho\u1ea3n, \u0111i\u1ec3m). \u0110\u00f3 l\u00e0 c\u00e1c \u0111o\u1ea1n \u0111\u1ea7u ti\u00ean c\u1ee7a c\u00e1c \u0111i\u1ec1u 2, 4, 10, 11, 53, 57, 58, 67, 98, 105, 112, 116, 118, 119, 122, 125, 132, 134, 150 v\u00e0 154.<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Xin \u0111\u1ec1 xu\u1ea5t 3 c\u00e1ch kh\u1eafc ph\u1ee5c nh\u01b0 sau:<\/p>\n

        +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00e1ch th\u1ee9 nh\u1ea5t:<\/em> B\u1ecf \u0111o\u1ea1n v\u0103n d\u1eabn d\u1eaft, gi\u1eef nguy\u00ean c\u00e1c n\u1ed9i dung kh\u00e1c. V\u00ed d\u1ee5: \u0110i\u1ec1u 4 \u201dGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d c\u1ea7n b\u1ecf c\u00e2u \u201dTrong Lu\u1eadt n\u00e0y, c\u00e1c t\u1eeb ng\u1eef d\u01b0\u1edbi \u0111\u00e2y \u0111\u01b0\u1ee3c hi\u1ec3u nh\u01b0 sau:\u201d m\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng g\u00ec \u0111\u1ebfn c\u00e1ch hi\u1ec3u, v\u00ec \u0111\u00f3 l\u00e0 \u0111i\u1ec1u hi\u1ec3n nhi\u00ean. Kh\u00f4ng nh\u1eefng th\u1ebf, nh\u1eefng thu\u1eadt ng\u1eef n\u00e0y c\u00f2n \u0111\u01b0\u1ee3c hi\u1ec3u trong to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 quy \u0111\u1ecbnh ri\u00eang kh\u00e1c.<\/p>\n

        +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00e1ch th\u1ee9 hai:<\/em> B\u1ecf \u0111o\u1ea1n v\u0103n d\u1eabn d\u1eaft \u0111\u1ed3ng th\u1eddi \u0111\u1ed5i t\u00ean \u0111i\u1ec1u cho ph\u00f9 h\u1ee3p. V\u00ed d\u1ee5 \u0110i\u1ec1u 53 c\u00f3 t\u00ean l\u00e0 \u201dQuy\u1ec1n c\u1ee7a c\u1ed5 \u0111\u00f4ng\u201d th\u00ec ngay d\u01b0\u1edbi \u0111\u00f3 ch\u1ec9 c\u1ea7n quy \u0111\u1ecbnh th\u1eb3ng c\u00e1c kho\u1ea3n n\u00f3i v\u1ec1 quy\u1ec1n c\u1ee7a c\u1ed5 \u0111\u00f4ng ch\u1ee9 kh\u00f4ng c\u1ea7n ch\u00e8n th\u00eam m\u1ed9t c\u00e2u l\u1eedng l\u01a1 \u201dC\u1ed5 \u0111\u00f4ng ph\u1ed5 th\u00f4ng c\u00f3 c\u00e1c quy\u1ec1n sau \u0111\u00e2y:\u201d; tuy nhi\u00ean c\u1ea7n \u0111\u1ed5i t\u00ean \u0111i\u1ec1u l\u00e0 \u201dQuy\u1ec1n c\u1ee7a c\u1ed5 \u0111\u00f4ng ph\u1ed5 th\u00f4ng\u201d. T\u01b0\u01a1ng t\u1ef1 t\u1ea1i \u0110i\u1ec1u 10, c\u1ea7n b\u1ecf \u0111o\u1ea1n d\u1eabn d\u1eaft \u201dTCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i c\u00f3 tr\u00e1ch nhi\u1ec7m:\u201d v\u00e0 \u0111\u1ed5i t\u00ean \u0110i\u1ec1u t\u1eeb \u201dB\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng\u201d th\u00e0nh \u201dTr\u00e1ch nhi\u1ec7m c\u1ee7a TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i trong vi\u1ec7c b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng\u201d;<\/p>\n

        +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00e1ch th\u1ee9 ba:<\/em> Chuy\u1ec3n \u0111o\u1ea1n v\u0103n d\u1eabn d\u1eaft th\u00e0nh m\u1ed9t kho\u1ea3n chung, c\u00e1c kho\u1ea3n c\u00f2n l\u1ea1i s\u1ebd tr\u1edf th\u00e0nh c\u00e1c kho\u1ea3n quy \u0111\u1ecbnh c\u1ee5 th\u1ec3. V\u00ed d\u1ee5: \u0110i\u1ec1u 57 (Mua l\u1ea1i c\u1ed5 ph\u1ea7n theo y\u00eau c\u1ea7u c\u1ee7a c\u1ed5 \u0111\u00f4ng ho\u1eb7c theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a TCTD), c\u1ea7n chuy\u1ec3n \u0111o\u1ea1n d\u1eabn d\u1eaft \u201cTCTD ch\u1ec9 \u0111\u01b0\u1ee3c quy\u1ec1n mua l\u1ea1i c\u1ed5 ph\u1ea7n c\u1ee7a c\u1ed5 \u0111\u00f4ng trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p:\u201d th\u00e0nh kho\u1ea3n 1 nh\u01b0 sau \u201cTCTD ch\u1ec9 \u0111\u01b0\u1ee3c quy\u1ec1n mua l\u1ea1i c\u1ed5 ph\u1ea7n c\u1ee7a c\u1ed5 \u0111\u00f4ng trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 v\u00e0 3 c\u1ee7a \u0110i\u1ec1u n\u00e0y\u201d; \u0111\u1ed3ng th\u1eddi s\u1eeda l\u1ea1i c\u00e1c kho\u1ea3n n\u00e0y (c\u0169ng c\u00f3 th\u1ec3 nh\u1eadp kho\u1ea3n 2 v\u00e0 3 th\u00e0nh 1 kho\u1ea3n, trong \u0111\u00f3 c\u00f3 2 \u0111i\u1ec3m). T\u01b0\u01a1ng t\u1ef1 \u0111\u1ed1i v\u1edbi \u0111o\u1ea1n d\u1eabn d\u1eaft t\u1ea1i \u0110i\u1ec1u 67 (Nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n c\u1ee7a H\u0110TV), c\u1ea7n \u0111\u01b0\u1ee3c chuy\u1ec3n th\u00e0nh kho\u1ea3n 1 \u0111\u1ecbnh ngh\u0129a v\u1ec1 H\u0110TV, c\u00e1c n\u1ed9i dung c\u00f2n l\u1ea1i l\u00e0 kho\u1ea3n 2 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n (ho\u1eb7c kho\u1ea3n 2 l\u00e0 nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n chung, kho\u1ea3n 3 l\u00e0 nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee5 th\u1ec3). Ho\u1eb7c l\u00e0 c\u00e2u d\u1eabn d\u1eaft t\u1ea1i \u0110i\u1ec1u 132 (Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n), c\u1ea7n \u0111\u01b0\u1ee3c chuy\u1ec3n th\u00e0nh kho\u1ea3n 1 quy \u0111\u1ecbnh chung v\u1ec1 vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau t\u1ea1i kho\u1ea3n 2 (g\u1ed3m 3 \u0111i\u1ec3m l\u00e0 c\u00e1c kho\u1ea3n 1, 2 v\u00e0 3 trong D\u1ef1 th\u1ea3o).<\/p>\n

        V\/ \u00a0M\u1ed8T S\u1ed0 N\u1ed8I DUNG G\u00d3P \u00dd \u0110\u00c3 \u0110\u01af\u1ee2C TI\u1ebeP THU:<\/strong><\/p>\n

        1. M\u1ed9t s\u1ed1 n\u1ed9i dung \u0111\u00e3 \u0111\u01b0\u1ee3c ti\u1ebfp thu v\u00e0o D\u1ef1 th\u1ea3o 5:<\/em><\/strong><\/p>\n

        1.1. V\u1ec1 <\/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>ho\u1ea3n<\/em> 13 v\u00e0 14, \u0110i\u1ec1u 4 – 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,….<\/p>\n

        1.2. \u0110\u1ecbnh ngh\u0129a thu\u1eadt ng\u1eef \u201cB\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng\u201d (kho\u1ea3n 19, \u0110i\u1ec1u 4), nh\u01b0ng sau \u0111\u00f3 l\u1ea1i s\u1eed d\u1ee5ng thu\u1eadt ng\u1eef r\u00fat g\u1ecdn l\u00e0 \u201cb\u1ea3o l\u00e3nh\u201d (nh\u01b0 \u0111i\u1ec3m c, kho\u1ea3n 3, \u0110i\u1ec1u 98 – Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i; \u0111i\u1ec3m e, kho\u1ea3n 1, \u0110i\u1ec1u 108 – Ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh).<\/p>\n

        1.3. V\u1ec1 nhi\u1ec7m k\u1ef3 c\u1ee7a H\u0110QT, H\u0110TV (kho\u1ea3n 2, \u0110i\u1ec1u 43 – H\u0110QT, H\u0110TV v\u00e0 c\u01a1 c\u1ea5u H\u0110QT, H\u0110TV):<\/em> Quy \u0111\u1ecbnh \u201cNhi\u1ec7m k\u1ef3 c\u1ee7a H\u0110QT, H\u0110TV l\u00e0 05 n\u0103m. Nhi\u1ec7m k\u1ef3 c\u1ee7a th\u00e0nh vi\u00ean H\u0110QT, H\u0110TV theo nhi\u1ec7m k\u1ef3 c\u1ee7a H\u0110QT, H\u0110TV v\u00e0 kh\u00f4ng qu\u00e1 05 n\u0103m\u201d l\u00e0 qu\u00e1 c\u1ee9ng nh\u1eafc, c\u1ea7n xem x\u00e9t thay \u0111\u1ed5i nh\u01b0 sau:<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Quy \u0111\u1ecbnh nhi\u1ec7m k\u1ef3 4 n\u0103m v\u00e0 c\u01a1 ch\u1ebf thay \u0111\u1ed5i 1\/2 s\u1ed1 th\u00e0nh vi\u00ean H\u0110QT gi\u1eefa nhi\u1ec7m k\u1ef3 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m t\u00ednh k\u1ebf th\u1eeba v\u00e0 \u1ed5n \u0111\u1ecbnh li\u00ean t\u1ee5c, tr\u00e1nh t\u1ea1i m\u1ed9t th\u1eddi \u0111i\u1ec3m c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn t\u1ea5t c\u1ea3 s\u1ed1 th\u00e0nh vi\u00ean \u0111\u1ec1u l\u00e0 m\u1edbi, s\u1ebd g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, vi\u1ec7c b\u1ea7u l\u1ea1i m\u1ed9t n\u1eeda s\u1ed1 th\u00e0nh vi\u00ean theo ph\u01b0\u01a1ng th\u1ee9c b\u1ea7u d\u1ed3n phi\u1ebfu s\u1ebd d\u1eabn \u0111\u1ebfn vi\u1ec7c ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n cho nh\u1eefng c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu m\u1ed9t v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m c\u1ed5 ph\u1ea7n kh\u00f4ng c\u00f3 c\u01a1 h\u1ed9i tr\u00fang c\u1eed th\u00e0nh vi\u00ean H\u0110QT, H\u0110TV;<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Quy \u0111\u1ecbnh nhi\u1ec7m k\u1ef3 kh\u00f4ng qu\u00e1 5 n\u0103m, \u0111\u1ec3 cho c\u00e1c TCTD quy\u1ebft \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u l\u1ec7 v\u00e0 thay \u0111\u1ed5i linh ho\u1ea1t trong th\u1eddi h\u1ea1n n\u00e0y. Vi\u1ec7c n\u00e0y s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ch\u01b0a \u0111\u1ecbnh h\u00ecnh chu\u1ea9n v\u1ec1 nh\u00e2n s\u1ef1 qu\u1ea3n tr\u1ecb\u00a0 TCTD.<\/p>\n

        1.4. V\u1ec1 vi\u1ec7c ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1:<\/em> Kh\u00f4ng bi\u1ebft TCTD c\u00f3 \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu th\u00f4ng th\u01b0\u1eddng nh\u01b0 l\u00e2u nay v\u1eabn l\u00e0m hay kh\u00f4ng, v\u00ec D\u1ef1 lu\u1eadt ch\u1ec9 nh\u1eafc \u0111\u1ebfn th\u1ea9m quy\u1ec1n th\u00f4ng qua vi\u1ec7c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu chuy\u1ec3n \u0111\u1ed5i (\u0110i\u1ec1u 59, \u0110i\u1ec1u 63) v\u00e0 \u0111\u01b0\u1ee3c \u201cph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, t\u00edn phi\u1ebfu, k\u1ef3 phi\u1ebfu \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i theo quy \u0111\u1ecbnh c\u1ee7a NHNN<\/em>\u201d (kho\u1ea3n 2, \u0110i\u1ec1u 98 – Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i; \u0110i\u1ec1u 92 – Ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 c\u1ee7a TCTD). Trong khi Lu\u1eadt c\u00e1c TCTD hi\u1ec7n h\u00e0nh v\u00e0 Lu\u1eadt Doanh nghi\u1ec7p quy \u0111\u1ecbnh r\u00f5 v\u1ec1 vi\u1ec7c TCTD \u0111\u01b0\u1ee3c ph\u00e9p ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu.<\/p>\n

        1.5. V\u1ec1 <\/em>th\u00f4ng qua ph\u01b0\u01a1ng \u00e1n ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu<\/em> (\u0111i\u1ec3m<\/em> i, kho\u1ea3n 2, \u0110i\u1ec1u 59 – \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng):<\/em> Quy \u0111\u1ecbnh v\u1ec1 m\u1ed9t trong nh\u1eefng quy\u1ec1n v\u00e0 nhi\u1ec7m v\u1ee5 c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng l\u00e0: \u201cTh\u00f4ng qua ph\u01b0\u01a1ng \u00e1n thay \u0111\u1ed5i m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7; th\u00f4ng qua ph\u01b0\u01a1ng \u00e1n ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu, bao g\u1ed3m lo\u1ea1i c\u1ed5 ph\u1ea7n v\u00e0 s\u1ed1 l\u01b0\u1ee3ng c\u1ed5 ph\u1ea5n m\u1edbi s\u1ebd ph\u00e1t h\u00e0nh\u201d. Tuy nhi\u00ean, Lu\u1eadt Ch\u1ee9ng kho\u00e1n v\u00e0 Lu\u1eadt Doanh nghi\u1ec7p l\u1ea1i quy \u0111\u1ecbnh vi\u1ec7c \u201cthay \u0111\u1ed5i m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7\u201d \u0111\u1ed1i v\u1edbi c\u00f4ng ty \u0111\u1ea1i ch\u00fang (theo D\u1ef1 lu\u1eadt th\u00ec c\u00e1c ng\u00e2n h\u00e0ng TMCP \u0111\u1ec1u l\u00e0 c\u00f4ng ty \u0111\u1ea1i ch\u00fang) l\u00e0 ho\u1ea1t \u0111\u1ed9ng \u201cch\u00e0o b\u00e1n ch\u1ee9ng kho\u00e1n\u201d, \u201dch\u00e0o b\u00e1n c\u1ed5 ph\u1ea7n\u201d v\u00e0 \u201cph\u00e1t h\u00e0nh ch\u1ee9ng kho\u00e1n\u201d ra c\u00f4ng ch\u00fang. V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb s\u1eed d\u1ee5ng thu\u1eadt ng\u1eef th\u1ed1ng nh\u1ea5t v\u1edbi Lu\u1eadt Doanh nghi\u1ec7p v\u00e0 Lu\u1eadt Ch\u1ee9ng kho\u00e1n \u0111\u1ec3 tr\u00e1nh v\u01b0\u1edbng m\u1eafc \u0111\u00e3 x\u1ea3y ra tr\u00ean th\u1ef1c t\u1ebf do t\u1eeb ng\u1eef kh\u00e1c nhau. Ngo\u00e0i ra vi\u1ec7c \u201cph\u00e1t h\u00e0nh\u201d trong quy \u0111\u1ecbnh tr\u00ean, ph\u1ea3i l\u00e0 ph\u00e1t h\u00e0nh \u201dc\u1ed5 ph\u1ea7n\u201d ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u201cc\u1ed5 phi\u1ebfu\u201d.<\/p>\n

        1.6. V\u1ec1 \u0111\u1ec1 ngh\u1ecb tri\u1ec7u t\u1eadp h\u1ecdp b\u1ea5t th\u01b0\u1eddng (kho\u1ea3n 3 v\u00e0 4, \u0110i\u1ec1u 65 – Nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a th\u00e0nh vi\u00ean H\u0110QT): <\/em>Quy \u0111\u1ecbnh nh\u1eefng nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a th\u00e0nh vi\u00ean H\u0110QT l\u00e0: \u201d\u0110\u1ec1 ngh\u1ecb Ch\u1ee7 t\u1ecbch H\u0110QT tri\u1ec7u t\u1eadp cu\u1ed9c h\u1ecdp H\u0110QT b\u1ea5t th\u01b0\u1eddng theo quy \u0111inh t\u1ea1i Lu\u1eadt n\u00e0y\u201d v\u00e0 \u201d\u0110\u1ec1 ngh\u1ecb tri\u1ec7u t\u1eadp h\u1ecdp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng b\u1ea5t th\u01b0\u1eddng theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt n\u00e0y.\u201d Tuy nhi\u00ean D\u1ef1 lu\u1eadt kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p tri\u1ec7u t\u1eadp h\u1ecdp b\u1ea5t th\u01b0\u1eddng n\u00e0y c\u1ee7a c\u00e1c th\u00e0nh vi\u00ean H\u0110QT (\u0111i\u1ec3m c, kho\u1ea3n 4, \u0110i\u1ec1u 112 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p quy \u0111\u1ecbnh Ch\u1ee7 t\u1ecbch H\u0110QT ph\u1ea3i tri\u1ec7u t\u1eadp h\u1ecdp H\u0110QT khi c\u00f3 \u0111\u1ec1 ngh\u1ecb c\u1ee7a \u00edt nh\u1ea5t 2 th\u00e0nh vi\u00ean H\u0110QT).<\/p>\n

        1.7. V\u1ec1 h\u1ea1n ch\u1ebf c\u1ea5p t\u00edn d\u1ee5ng (kho\u1ea3n 1, \u0110i\u1ec1u 127 – H\u1ea1n ch\u1ebf c\u1ea5p t\u00edn d\u1ee5ng):<\/em> C\u1ea7n chuy\u1ec3n m\u1ed9t trong nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb h\u1ea1n ch\u1ebf1.7. c\u1ea5p t\u00edn d\u1ee5ng l\u00e0 K\u1ebf to\u00e1n tr\u01b0\u1edfng c\u1ee7a TCTD t\u1ea1i \u0111i\u1ec3m a sang \u0111i\u1ec3m b ho\u1eb7c t\u00e1ch ra th\u00e0nh m\u1ed9t \u0111i\u1ec3m ri\u00eang, v\u00ec kh\u00f4ng c\u00f9ng nh\u00f3m v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c n\u00eau t\u1ea1i \u0111i\u1ec3m a l\u00e0 \u201cT\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n, ki\u1ec3m to\u00e1n vi\u00ean \u0111ang ki\u1ec3m to\u00e1n t\u1ea1i TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i; Thanh tra vi\u00ean \u0111ang thanh tra t\u1ea1i TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i\u201d.<\/p>\n

        1.8. Kh\u00f4ng bi\u1ebft t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u c\u1ee7a TCTD l\u00e0 bao nhi\u00eau (n\u1ed9i dung quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 130 – T\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n). Trong khi \u0111\u00f3, \u0111i\u1ec3m e, kho\u1ea3n 3, \u0110i\u1ec1u 146 (\u00c1p d\u1ee5ng ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t) l\u1ea1i quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p TCTD b\u1ecb (\u0111\u01b0\u1ee3c) ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t l\u00e0: \u201cKh\u00f4ng duy tr\u00ec \u0111\u01b0\u1ee3c t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u do NHNN quy \u0111\u1ecbnh trong th\u1eddi h\u1ea1n m\u1ed9t n\u0103m li\u00ean t\u1ee5c ho\u1eb7c t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ebfu th\u1ea5p h\u01a1n 4% trong th\u1eddi h\u1ea1n 6 th\u00e1ng li\u00ean t\u1ee5c<\/em>.\u201d.<\/p>\n

        1.9. 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;<\/p>\n

        1.10. Kh\u00f4ng ch\u00ednh x\u00e1c khi vi\u1ebft c\u1ee5m t\u1eeb \u201cTham d\u1ef1 v\u00e0 ph\u00e1t bi\u1ec3u trong \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng\u201d (kho\u1ea3n 1, \u0110i\u1ec1u 53 – Quy\u1ec1n c\u1ee7a c\u1ed5 \u0111\u00f4ng); \u201ctri\u1ec7u t\u1eadp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng b\u1ea5t th\u01b0\u1eddng \u0111\u1ec3 h\u1ecdp\u201d (\u0110i\u1ec1u 60 –\u00a0 H\u1ecdp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng theo y\u00eau c\u1ea7u c\u1ee7a NHNN); \u201cSau \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng \u0111\u1ea7u ti\u00ean\u2026\u201d (kho\u1ea3n 1, \u0110i\u1ec1u 63 – Nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a H\u0110QT\u201d. C\u1ea7n s\u1eeda th\u00e0nh c\u00e2u \u201cTham d\u1ef1 v\u00e0 ph\u00e1t bi\u1ec3u trong c\u00e1c cu\u1ed9c h\u1ecdp<\/em> \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng\u201d \u201ctri\u1ec7u t\u1eadp \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng \u0111\u1ec3 h\u1ecdp <\/em>b\u1ea5t th\u01b0\u1eddng\u201d v\u00e0 \u201cSau cu\u1ed9c h\u1ecdp<\/em> \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng \u0111\u1ea7u ti\u00ean\u201d;<\/p>\n

        1.11. Kh\u00f4ng th\u1ed1ng nh\u1ea5t khi vi\u1ebft thu\u1eadt ng\u1eef \u201cb\u1ea3o \u0111\u1ea3m\u201d v\u00e0 \u201c\u0111\u1ea3m b\u1ea3o\u201d (c\u1ea7n s\u1eed d\u1ee5ng th\u1ed1ng nh\u1ea5t l\u00e0 \u201cb\u1ea3o \u0111\u1ea3m\u201d);<\/p>\n

        1.12. Kh\u00f4ng th\u1ed1ng nh\u1ea5t khi vi\u1ebft t\u1eeb \u201ch\u1eb1<\/em>ng n\u0103m\u201d v\u00e0 \u201ch\u00e0<\/em>ng n\u0103m\u201d. C\u1ea7n vi\u1ebft ch\u00ednh x\u00e1c l\u00e0 \u201ch\u1eb1<\/em>ng n\u0103m\u201d (l\u1eb7p \u0111i l\u1eb7p l\u1ea1i) nh\u01b0 Lu\u1eadt Doanh nghi\u1ec7p (t\u01b0\u01a1ng t\u1ef1 l\u00e0 h\u1eb1<\/em>ng ng\u00e0y) (c\u00f3 10 t\u1eeb \u201ch\u1eb1ng ng\u00e0y\u201d t\u1ea1i c\u00e1c \u0111i\u1ec1u kho\u1ea3n 39.3, 63.19, 67.2, 68.2, 70.2, 72.1, v\u00e0 142.5, c\u00f2n l\u1ea1i l\u00e0 13 t\u1eeb \u201ch\u00e0<\/em>ng n\u0103m\u201d v\u00e0 6 t\u1eeb \u201ch\u00e0<\/em>ng ng\u00e0y\u201d);<\/p>\n

        1.13. Kh\u00f4ng th\u1ed1ng nh\u1ea5t trong vi\u1ec7c s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb \u201d\u0110i\u1ec1u l\u1ec7 TCTD\u201d (xu\u1ea5t hi\u1ec7n 42 l\u1ea7n) v\u00e0 \u201d\u0110i\u1ec1u l\u1ec7 c\u1ee7a<\/em> TCTD\u201d (xu\u1ea5t hi\u1ec7n 30 l\u1ea7n). Tuy nhi\u00ean v\u1eabn ch\u01b0a s\u1eeda h\u1ebft.<\/p>\n

        1.14. 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 c\u1ee7a<\/em> TCTD\u201d (xu\u1ea5t hi\u1ec7n 36 l\u1ea7n);<\/p>\n

        1.15. Kh\u00f4ng th\u1ed1ng nh\u1ea5t trong vi\u1ec7c s\u1eed d\u1ee5ng t\u1eeb \u201dsau\u201d v\u00e0 \u201dsau \u0111\u00e2y<\/em>\u201d \u1edf nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n;<\/p>\n

        1.16. Kh\u00f4ng th\u1ed1ng nh\u1ea5t c\u00e1ch vi\u1ebft hoa m\u1ed9t s\u1ed1 t\u1eeb, c\u1ee5m t\u1eeb nh\u01b0: H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb v\u00e0 H\u1ed9i \u0111\u1ed3ng Q<\/em>u\u1ea3n tr\u1ecb, Ban ki\u1ec3m so\u00e1t v\u00e0 Ban K<\/em>i\u1ec3m so\u00e1t, Ng\u01b0\u1eddi qu\u1ea3n l\u00fd v\u00e0 n<\/em>g\u01b0\u1eddi qu\u1ea3n l\u00fd, Ng\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh v\u00e0 n<\/em>g\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh, T\u1ed5ng gi\u00e1m \u0111\u1ed1c v\u00e0 T\u1ed5ng G<\/em>i\u00e1m \u0111\u1ed1c (xu\u1ea5t hi\u1ec7n 31 ch\u1eef T\u1ed5ng g<\/em>i\u00e1m \u0111\u1ed1c v\u00e0 65 ch\u1eef T\u1ed5ng G<\/em>i\u00e1m \u0111\u1ed1c), Gi\u00e1m \u0111\u1ed1c Chi nh\u00e1nh v\u00e0 Gi\u00e1m \u0111\u1ed1c c<\/em>hi nh\u00e1nh, quy ch\u1ebf n\u1ed9i b\u1ed9 v\u00e0 Q<\/em>uy ch\u1ebf n\u1ed9i b\u1ed9, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 v\u00e0 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.<\/p>\n

        1.17. Thu\u1eadt ng\u1eef \u201cHo\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed\u201d (kho\u1ea3n 24, \u0110i\u1ec1u 4), c\u0169ng n\u00ean \u0111\u1ecbnh ngh\u0129a t\u1ea1i \u0110i\u1ec1u 97, l\u00e0 \u0111i\u1ec1u quy \u0111\u1ecbnh ri\u00eang v\u1ec1 ho\u1ea1t \u0111\u1ed9ng n\u00e0y. Sau \u0111\u00f3 kh\u00e1i ni\u1ec7m n\u00e0y c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn 1 l\u1ea7n n\u1eefa t\u1ea1i \u0110i\u1ec1u 133 (Y\u00eau c\u1ea7u b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed);<\/p>\n

        1.18. \u0110\u1ecbnh ngh\u0129a thu\u1eadt ng\u1eef \u201cTh\u00e0nh vi\u00ean \u0111\u1ed9c l\u1eadp c\u1ee7a H\u0110QT\u201d (kho\u1ea3n 29), nh\u01b0ng sau \u0111\u00f3 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.<\/p>\n

        1.19. V\u1ec1 th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi (kho\u1ea3n 1, \u0110i\u1ec1u 10 – B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng):<\/em> Quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng tr\u00e1ch nhi\u1ec7m c\u1ee7a TCTD l\u00e0 \u201cTham gia t\u1ed5 ch\u1ee9c b\u1ea3o to\u00e0n ho\u1eb7c b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7\u201d s\u1ebd tr\u1edf n\u00ean b\u1ea5t h\u1ee3p l\u00fd sau khi c\u00f3 Lu\u1eadt B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi (\u0111ang \u0111\u01b0\u1ee3c so\u1ea1n th\u1ea3o);<\/p>\n

        1.20. 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.<\/p>\n

        2. M\u1ed9t s\u1ed1 n\u1ed9i dung \u0111\u00e3 \u0111\u01b0\u1ee3c ti\u1ebfp thu v\u00e0o D\u1ef1 th\u1ea3o 4:<\/em><\/strong><\/p>\n

        2.1. V\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n (\u0110i\u1ec1u 53): Kho\u1ea3n 2 quy \u0111\u1ecbnh, m\u1ed7i ph\u00e1p nh\u00e2n trong n\u01b0\u1edbc\u00a0 ch\u1ec9 \u0111\u01b0\u1ee3c s\u1edf h\u1eefu t\u1ed1i \u0111a 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7, nh\u01b0ng kho\u1ea3n 3 l\u1ea1i cho ph\u00e9p m\u1ed7i ph\u00e1p nh\u00e2n n\u01b0\u1edbc ngo\u00e0i l\u1ea1i \u0111\u01b0\u1ee3c s\u1edf h\u1eefu \u0111\u1ebfn 20% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t TCTD, \u0111\u00e3 t\u1ea1o ra s\u1ef1 ph\u00e2n bi\u1ec7t \u0111\u1ed1i x\u1eed b\u1ea5t b\u00ecnh \u0111\u1eb3ng. Ngo\u00e0i ra, hi\u1ec7n nay t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng, m\u1ed9t ph\u00e1p nh\u00e2n \u0111\u01b0\u1ee3c s\u1edf h\u1eefu t\u1ed1i \u0111a 40% (th\u1eadm ch\u00ed c\u00f3 ph\u00e1p nh\u00e2n \u0111\u01b0\u1ee3c ph\u00e9p s\u1edf h\u1eefu \u0111\u1ebfn 52%), v\u1ed1n \u0111i\u1ec1u l\u1ec7 m\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p chuy\u1ec3n \u0111\u1ed5i trong th\u1eddi h\u1ea1n 2 n\u0103m (\u0110i\u1ec1u 162) l\u00e0 kh\u00f4ng kh\u1ea3 thi, d\u1ec5 g\u00e2y ra s\u1ef1 bi\u1ebfn \u0111\u1ed9ng x\u1ea5u cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

        2.2. V\u1ec1 ban h\u00e0nh ch\u00ednh s\u00e1ch, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 (\u0110i\u1ec1u 91 v\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec1u kh\u00e1c): Kh\u00f4ng n\u00ean ph\u00e2n bi\u1ec7t hai lo\u1ea1i v\u0103n b\u1ea3n m\u00e0 TCTD ph\u1ea3i ban h\u00e0nh l\u00e0 ch\u00ednh s\u00e1ch v\u00e0 quy \u0111\u1ecbnh, v\u00ec quy \u0111\u1ecbnh c\u0169ng l\u00e0 m\u1ed9t lo\u1ea1i ch\u00ednh s\u00e1ch v\u00e0 \u0111\u00e3 l\u00e0 ch\u00ednh s\u00e1ch b\u1eaft bu\u1ed9c, th\u00ec c\u1ea7n ph\u1ea3i th\u1ec3 hi\u1ec7n d\u01b0\u1edbi d\u1ea1ng v\u0103n b\u1ea3n quy \u0111\u1ecbnh.<\/p>\n

        2.3. V\u1ec1 x\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng (\u0110i\u1ec1u 92): Kho\u1ea3n 1 quy \u0111\u1ecbnh \u201cTCTD ph\u1ea3i y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p t\u00e0i li\u1ec7u ch\u1ee9ng minh ph\u01b0\u01a1ng \u00e1n kinh doanh kh\u1ea3 thi, kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, c\u1ee7a ng\u01b0\u1eddi b\u1ea3o \u0111\u1ea3m tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh c\u1ea5p t\u00edn d\u1ee5ng\u201d. Vi\u1ebft nh\u01b0 v\u1eady s\u1ebd b\u1ecb hi\u1ec3u l\u00e0 ng\u01b0\u1eddi b\u1ea3o \u0111\u1ea3m c\u00f3 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p c\u0169ng ph\u1ea3i cung c\u1ea5p \u201cph\u01b0\u01a1ng \u00e1n kinh doanh kh\u1ea3 thi, kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh\u201d. T\u01b0\u01a1ng t\u1ef1 l\u00e0 quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 94, y\u00eau c\u1ea7u ph\u1ea3i l\u01b0u gi\u1eef B\u00e1o c\u00e1o th\u1ef1c tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi b\u1ea3o \u0111\u1ea3m, ch\u1ec9 c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p b\u1ea3o \u0111\u1ea3m b\u1eb1ng bi\u1ec7n ph\u00e1p b\u1ea3o l\u00e3nh, ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi b\u1ea3o \u0111\u1ea3m c\u00f3 t\u00e0i s\u1ea3n k\u00fd qu\u1ef9, c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p.<\/p>\n

        2.4. V\u1ec1 mi\u1ec5n, gi\u1ea3m l\u00e3i su\u1ea5t, ph\u00ed cho kh\u00e1ch h\u00e0ng (kho\u1ea3n 4, \u0110i\u1ec1u 93): Ch\u1ec9 n\u00ean quy \u0111\u1ecbnh vi\u1ec7c mi\u1ec5n gi\u1ea3m l\u00e3i do TCTD quy\u1ebft \u0111\u1ecbnh, m\u00e0 kh\u00f4ng n\u00ean quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u201ctheo ch\u00ednh s\u00e1ch, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 do H\u0110QT, H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean ban h\u00e0nh\u201d, \u0111\u1ec3 t\u1ea1o quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng cho TCTD.<\/p>\n

        2.5. V\u1ec1 h\u1ea1n ch\u1ebf kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n (\u0110i\u1ec1u 105): Kho\u1ea3n 1 quy \u0111\u1ecbnh: Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u201cMua, \u0111\u1ea7u t\u01b0, s\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 s\u1eed d\u1ee5ng l\u00e0m tr\u1ee5 s\u1edf kinh doanh, \u0111\u1ecba \u0111i\u1ec3m l\u00e0m vi\u1ec7c ho\u1eb7c c\u01a1 s\u1edf kho t\u00e0ng ph\u1ee5c v\u1ee5 tr\u1ef1c ti\u1ebfp cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.\u201d Nh\u01b0 v\u1eady, th\u00ec tr\u1ee5 s\u1edf c\u1ee7a ng\u00e2n h\u00e0ng c\u00f2n d\u01b0 m\u1ed9t s\u1ed1 ph\u1ea7n di\u1ec7n t\u00edch s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho thu\u00ea, v\u00ec \u0111\u00f3 c\u0169ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n theo Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n. V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb c\u1ea7n m\u1edf r\u1ed9ng th\u00eam c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c ph\u00e9p, ch\u1eb3ng h\u1ea1n nh\u01b0 \u0111\u01b0\u1ee3c b\u00e1n, cho thu\u00ea ph\u1ea7n di\u1ec7n t\u00edch kh\u00f4ng s\u1eed d\u1ee5ng h\u1ebft.<\/p>\n

        2.6. V\u1ec1 quy \u0111\u1ecbnh kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ea7u t\u01b0, kinh doanh ch\u1ee9ng kho\u00e1n: (kho\u1ea3n 7, \u0110i\u1ec1u 126): C\u1ea7n \u0111\u01b0a ra gi\u1edbi h\u1ea1n cho vay thay v\u00ec c\u1ea5m to\u00e0n b\u1ed9. Ti\u1ebfp thu 1 ph\u1ea7n, s\u1eeda \u0111\u1ea7u t\u01b0, kinh doanh ch\u1ee9ng kho\u00e1n th\u00e0nh \u0111\u1ea7u t\u01b0, kinh doanh c\u1ed5 phi\u1ebfu.<\/em><\/p>\n

        2.7. Kh\u00f4ng th\u1ed1ng nh\u1ea5t gi\u1eefa c\u1ee5m t\u1eeb \u201cc\u1ed5 \u0111\u00f4ng l\u00e0 ph\u00e1p nh\u00e2n\u201d v\u00e0 \u201cc\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c\u201d. C\u1ea7n s\u1eed d\u1ee5ng th\u1ed1ng nh\u1ea5t thu\u1eadt ng\u1eef \u201cph\u00e1p nh\u00e2n\u201d thay cho \u201ct\u1ed5 ch\u1ee9c\u201d;<\/p>\n

        Tr\u00e2n tr\u1ecdng tham gia!<\/em><\/p>\n

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

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

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

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

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

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

        [1]<\/a> 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

        [2]<\/a> 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":"

        (ANVI) – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh\u00a0\u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, g\u00f3p \u00fd D\u1ef1 th\u1ea3o 5 (9-9) Lu\u1eadt c\u00e1c TCTD – V\u0129nh Ph\u00fac 18-19\/9\/2009 N\u1ed9i dung g\u1ed3m: –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u1eefng v\u1ea5n \u0111\u1ec1 chung\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 1 –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ee5 th\u1ec3\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 4 –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 c\u00e2u ch\u1eef, t\u1eeb ng\u1eef\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 14 –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 k\u1ef9 thu\u1eadt […]<\/p>\n","protected":false},"author":7,"featured_media":5374,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-5795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n117. D\u1ef1 lu\u1eadt c\u00f2n nhi\u1ec1u \u0111i\u1ec3m tr\u00f3i bu\u1ed9c, kh\u00f4ng h\u1ee3p l\u00fd v\u00e0 ch\u01b0a r\u00f5 r\u00e0ng. - 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\/117-du-luat-con-nhieu-diem-troi-buoc-khong-hop-ly-va-chua-ro-rang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]117. D\u1ef1 lu\u1eadt c\u00f2n nhi\u1ec1u \u0111i\u1ec3m tr\u00f3i bu\u1ed9c, kh\u00f4ng h\u1ee3p l\u00fd v\u00e0 ch\u01b0a r\u00f5 r\u00e0ng.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) – Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh\u00a0\u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, g\u00f3p \u00fd D\u1ef1 th\u1ea3o 5 (9-9) Lu\u1eadt c\u00e1c TCTD – V\u0129nh Ph\u00fac 18-19\/9\/2009 N\u1ed9i dung g\u1ed3m: –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u1eefng v\u1ea5n \u0111\u1ec1 chung\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 1 –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ee5 th\u1ec3\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 4 –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 c\u00e2u ch\u1eef, t\u1eeb ng\u1eef\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 trang 14 –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 k\u1ef9 thu\u1eadt […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/117-du-luat-con-nhieu-diem-troi-buoc-khong-hop-ly-va-chua-ro-rang\/\" \/>\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=\"2009-09-19T13:57:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-04-11T04:34:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2017\/08\/z3156309194674_dc598ea851896655ee4f5764d9069340.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"348\" \/>\n\t<meta property=\"og:image:height\" content=\"320\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"90 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/117-du-luat-con-nhieu-diem-troi-buoc-khong-hop-ly-va-chua-ro-rang\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/117-du-luat-con-nhieu-diem-troi-buoc-khong-hop-ly-va-chua-ro-rang\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"117. 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