{"id":5884,"date":"2011-09-14T10:44:42","date_gmt":"2011-09-14T03:44:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5884"},"modified":"2022-02-11T12:25:43","modified_gmt":"2022-02-11T05:25:43","slug":"143-binh-luan-ve-bao-cao-ra-soat-bo-luat-dan-su-nam-2005","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/143-binh-luan-ve-bao-cao-ra-soat-bo-luat-dan-su-nam-2005\/","title":{"rendered":"143. B\u00ecnh lu\u1eadn v\u1ec1 b\u00e1o c\u00e1o r\u00e0 so\u00e1t B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005."},"content":{"rendered":"<strong><em>(ANVI) &#8211; B\u00e0i vi\u1ebft n\u00e0y b\u00ecnh lu\u1eadn v\u1ec1 7\/91 v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c n\u00eau trong B\u00e1o c\u00e1o R\u00e0 so\u00e1t B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, trong \u0111\u00f3 \u0111\u01b0a th\u00eam 1 v\u1ea5n \u0111\u1ec1 m\u1edbi, ph\u1ea3n \u0111\u1ed1i 1 v\u1ea5n \u0111\u1ec1 v\u00e0 b\u00ecnh lu\u1eadn th\u00eam v\u1ec1 5 v\u1ea5n \u0111\u1ec1 kh\u00e1c:<\/em><\/strong><\/p>\n<ol>\n<li><strong>V\u1ec1 h\u1ed9 gia \u0111\u00ecnh (c\u00e1c \u0111i\u1ec1u t\u1eeb 106 \u0111\u1ebfn 110)<\/strong><strong>:<\/strong><\/li>\n<\/ol>\n<p>B\u00e1o c\u00e1o R\u00e0 so\u00e1t khuy\u1ebfn ngh\u1ecb: Quy \u0111\u1ecbnh r\u00f5 v\u1ec1 t\u01b0 c\u00e1ch, th\u00e0nh ph\u1ea7n v\u00e0 \u0111i\u1ec1u ki\u1ec7n giao d\u1ecbch d\u00e2n s\u1ef1 c\u1ee7a h\u1ed9 gia \u0111\u00ecnh.<\/p>\n<p>H\u1ed9 gia \u0111\u00ecnh l\u00e0 m\u1ed9t ch\u1ee7 th\u1ec3 \u201cm\u1edd \u1ea3o\u201d, m\u00f4ng lung, nh\u01b0 \u0111\u00f9a. \u0110\u1ec1 ngh\u1ecb giao d\u1ecbch li\u00ean quan \u0111\u1ebfn nh\u00f3m ng\u01b0\u1eddi n\u00e0y th\u00ec ho\u1eb7c l\u00e0 do m\u1ed9t ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ho\u1eb7c l\u00e0 ghi t\u00ean t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi c\u00f3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5, \u0111\u1ed3ng th\u1eddi b\u1ecf h\u1eb3n ch\u1ee7 th\u1ec3 n\u00e0y trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, v\u00ec nh\u1eefng l\u00fd do sau:<\/p>\n<ul>\n<li>T\u00f9 m\u00f9, kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 ph\u00e1p l\u00fd \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh nh\u1eefng ng\u01b0\u1eddi n\u00e0o thu\u1ed9c h\u1ed9 gia \u0111\u00ecnh \u0111\u1ec3 \u0111\u01b0a v\u00e0o ch\u1ee7 th\u1ec3 c\u1ee7a c\u00e1c giao d\u1ecbch kh\u00e1c nhau trong c\u00e1c th\u1eddi \u0111i\u1ec3m kh\u00e1c nhau;<\/li>\n<li>Kh\u00f4ng c\u00f3 c\u00e1ch g\u00ec \u0111\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng t\u00e0i s\u1ea3n n\u00e0o l\u00e0 \u201ct\u00e0i s\u1ea3n chung c\u1ee7a h\u1ed9 gia \u0111\u00ecnh\u201d. Ch\u00fang t\u00f4i \u0111\u00e3 g\u1eb7p nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, nh\u00e0 \u0111\u1ea5t do 1 c\u00e1 nh\u00e2n \u0111\u1ee9ng t\u00ean tr\u00ean h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, c\u0169ng \u201cb\u1ecb\u201d c\u1ea5p \u201cs\u1ed5 \u0111\u1ecf\u201d cho h\u1ed9 gia \u0111\u00ecnh;<\/li>\n<li>Kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 \u201ct\u01b0 li\u1ec7u s\u1ea3n xu\u1ea5t, t\u00e0i s\u1ea3n chung c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn c\u1ee7a h\u1ed9 gia \u0111\u00ecnh\u201d;<\/li>\n<li>Ch\u1ec9 m\u1ed9t ng\u01b0\u1eddi giao k\u1ebft h\u1ee3p \u0111\u1ed3ng kh\u00f4ng c\u1ea7n thay m\u1eb7t h\u1ed9 gia \u0111\u00ecnh \u0111\u1ed1i v\u1edbi \u0111\u1ea1i \u0111a s\u1ed1 c\u00e1c h\u1ee3p \u0111\u1ed3ng li\u00ean quan \u0111\u1ebfn h\u1ed9 gia \u0111\u00ecnh v\u1eabn c\u00f3 hi\u1ec7u l\u1ef1c b\u00ecnh th\u01b0\u1eddng. Nh\u1eefng ng\u01b0\u1eddi kh\u00e1c ch\u1eb3ng bi\u1ebft c\u00f3 \u0111\u1ed3ng \u00fd kh\u00f4ng, ho\u1eb7c ch\u1ec9 \u0111\u1ed3ng \u00fd b\u1eb1ng mi\u1ec7ng th\u00ec c\u0169ng l\u00e0 \u0111\u1ed3ng \u00fd;<\/li>\n<li>Ph\u00e1p nh\u00e2n v\u1edbi h\u00e0ng ngh\u00ecn ng\u01b0\u1eddi c\u0169ng ch\u1ec9 c\u1ea7n 1 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n l\u00e0 \u0111\u01b0\u1ee3c, h\u1ed9 gia \u0111\u00ecnh l\u1ea1i ph\u1ea3i t\u1ea5t c\u1ea3 \u0111\u1ed3ng \u00fd, m\u00e0 ng\u01b0\u1eddi giao d\u1ecbch th\u00ec kh\u00f4ng th\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 \u1ea5y l\u00e0 g\u00ec;<\/li>\n<li>C\u1ee9 10 giao d\u1ecbch th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn h\u1ed9 gia \u0111\u00ecnh, th\u00ec 9 v\u1ee5 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng m\u00f4ng lung, kh\u00f4ng ch\u1eafc ch\u1eafn, kh\u00f4ng y\u00ean t\u00e2m, d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng;<\/li>\n<li>M\u1ed7i c\u00f4ng ch\u1ee9ng vi\u00ean, m\u1ed7i t\u1ed5 ch\u1ee9c c\u00f4ng ch\u1ee9ng l\u1ea1i suy lu\u1eadn v\u00e0 \u201cquy\u1ebft\u201d m\u1ed9t ki\u1ec3u th\u1ee7 t\u1ee5c kh\u00e1c nhau khi ch\u1ee9ng nh\u1eadn giao d\u1ecbch h\u1ee3p \u0111\u1ed3ng li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n c\u1ee7a h\u1ed9 gia \u0111\u00ecnh.<\/li>\n<\/ul>\n<ol start=\"2\">\n<li><strong>V\u1ec1 \u0111i\u1ec1u ki\u1ec7n h\u00ecnh th\u1ee9c c\u1ee7a giao d\u1ecbch (c\u00e1c \u0111i\u1ec1u 122, 325, 689, 401):<\/strong><\/li>\n<\/ol>\n<p>B\u00e1o c\u00e1o R\u00e0 so\u00e1t khuy\u1ebfn ngh\u1ecb: Giao d\u1ecbch kh\u00f4ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 h\u00ecnh th\u1ee9c kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n<p>Th\u1ef1c t\u1ebf quy \u0111\u1ecbnh c\u0169ng nh\u01b0 x\u00e9t x\u1eed hi\u1ec7n nay, qu\u00e1 nhi\u1ec1u c\u00e1c \u0111i\u1ec1u ki\u1ec7n h\u00ecnh th\u1ee9c n\u1ebfu kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c th\u00ec c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn giao d\u1ecbch v\u00f4 hi\u1ec7u nh\u01b0: Ph\u1ea3i b\u1eb1ng v\u0103n b\u1ea3n, ph\u1ea3i c\u00f4ng ch\u1ee9ng, ph\u1ea3i \u0111\u0103ng k\u00fd. Th\u1eadm ch\u00ed To\u00e0 \u00e1n c\u00f2n tuy\u00ean v\u00f4 hi\u1ec7u c\u1ea3 tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba c\u0169ng v\u00f4 hi\u1ec7u, trong khi vi\u1ec7c \u0111\u00f3 l\u00e0 ho\u00e0n to\u00e0n \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (ch\u00ednh To\u00e0 \u00e1n hi\u1ec3u sai b\u1ea3n ch\u1ea5t).<\/p>\n<p>Nh\u01b0 v\u1eady, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u1eb7t ra m\u1ed9t lo\u1ea1t nguy\u00ean t\u1eafc t\u1ed1t \u0111\u1eb9p trong giao d\u1ecbch d\u00e2n s\u1ef1 l\u00e0: <a name=\"_Toc246746541\"><\/a>T\u1ef1 do, t\u1ef1 nguy\u1ec7n cam k\u1ebft, tho\u1ea3 thu\u1eadn; T\u1ef1 do cam k\u1ebft, tho\u1ea3 thu\u1eadn; B<a name=\"_Toc246746542\"><\/a><a name=\"_Toc103887882\"><\/a><a name=\"_Toc102331051\"><\/a>\u00ecnh \u0111\u1eb3ng; T<a name=\"_Toc246746543\"><\/a><a name=\"_Toc103887883\"><\/a><a name=\"_Toc102331052\"><\/a>hi\u1ec7n ch\u00ed, trung th\u1ef1c;<a name=\"_Toc246746544\"><\/a><a name=\"_Toc103887884\"><\/a><a name=\"_Toc102331053\"><\/a> Ch\u1ecbu tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (c\u00e1c \u0110i\u1ec1u 4 \u0111\u1ebfn 7), nh\u01b0ng r\u1ed3i l\u1ea1i t\u1ef1 m\u00ecnh s\u1ed5 to\u1eb9t h\u1ebft, ph\u1ee7 nh\u1eadn to\u00e0n b\u1ed9, ch\u00e0 \u0111\u1ea1p l\u00ean t\u1ef1 do \u00fd ch\u00ed c\u1ee7a c\u00e1c b\u00ean.<\/p>\n<p>Kh\u00f4ng th\u1ec3 ch\u1edd \u0111\u1ebfn n\u0103m 2015 s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, m\u00e0 U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i c\u1ea7n gi\u1ea3i th\u00edch lu\u1eadt theo h\u01b0\u1edbng \u0111\u1ec1 ngh\u1ecb n\u00f3i tr\u00ean.<\/p>\n<ol start=\"3\">\n<li><strong>V\u1ec1 s\u1ef1 ki\u1ec7n b\u1ea5t kh\u1ea3 kh\u00e1ng (\u0110i\u1ec1u 161)<\/strong><strong>:<\/strong><\/li>\n<\/ol>\n<p><a name=\"_Toc246746712\"><\/a><a name=\"_Toc103888038\"><\/a><a name=\"_Toc102331197\"><\/a>\u0110\u00e2y l\u00e0 \u0111i\u1ec1u kh\u00f4ng c\u00f3 trong B\u00e1o c\u00e1o R\u00e0 so\u00e1t.<\/p>\n<p>B\u1ea5t kh\u1ea3 kh\u00e1ng l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 v\u00f4 c\u00f9ng quan tr\u1ecdng li\u00ean quan \u0111\u1ebfn quy\u1ec1n, ngh\u0129a v\u1ee5 trong giao d\u1ecbch d\u00e2n s\u1ef1, nh\u01b0ng \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Hay n\u00f3i \u0111\u00fang h\u01a1n, c\u00f3 \u0111\u1ecbnh ngh\u0129a \u201c<em>S\u1ef1 ki\u1ec7n b\u1ea5t kh\u1ea3 kh\u00e1ng l\u00e0 s\u1ef1 ki\u1ec7n x\u1ea3y ra m\u1ed9t c\u00e1ch kh\u00e1ch quan kh\u00f4ng th\u1ec3 l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c v\u00e0 kh\u00f4ng th\u1ec3 kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c m\u1eb7c d\u00f9 \u0111\u00e3 \u00e1p d\u1ee5ng m\u1ecdi bi\u1ec7n ph\u00e1p c\u1ea7n thi\u1ebft v\u00e0 kh\u1ea3 n\u0103ng cho ph\u00e9p<\/em>\u201d nh\u01b0ng chi \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 161 v\u1ec1 \u201cTh\u1eddi gian kh\u00f4ng t\u00ednh v\u00e0o th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ee5 \u00e1n d\u00e2n s\u1ef1, th\u1eddi hi\u1ec7u y\u00eau c\u1ea7u gi\u1ea3i quy\u1ebft vi\u1ec7c d\u00e2n s\u1ef1\u201d trong ch\u01b0\u01a1ng \u201cTh\u1eddi hi\u1ec7u\u201d c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Nh\u01b0 v\u1eady, kh\u00f4ng \u0111\u01b0\u01a1ng nhi\u00ean mang \u00e1p d\u1ee5ng cho c\u00e1c quan h\u1ec7 h\u1ee3p \u0111\u1ed3ng, giao d\u1ecbch d\u00e2n s\u1ef1.<\/p>\n<p>V\u00ec v\u1eady \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 quy \u0111\u1ecbnh b\u1ea5t kh\u1ea3 kh\u00e1ng \u0111\u1ec3 \u00e1p d\u1ee5ng cho m\u1ecdi quan h\u1ec7 d\u00e2n s\u1ef1 v\u00e0 quy \u0111\u1ecbnh m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3, chi ti\u1ebft h\u01a1n, \u0111\u1ec3 h\u1ee3p \u0111\u1ed3ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p kh\u00f4ng ph\u1ea3i \u201cs\u00e1ng t\u00e1c\u201d ra \u0111\u1ee7 th\u1ee9 b\u1ea5t kh\u1ea3 kh\u00e1ng, nh\u01b0 t\u1eafc \u0111\u01b0\u1eddng, c\u1ea5m \u0111\u01b0\u1eddng, quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, tr\u00e1i ng\u01b0\u1ee3c v\u1edbi b\u1ea3n ch\u1ea5t c\u1ee7a s\u1ef1 ki\u1ec7n b\u1ea5t kh\u1ea3 kh\u00e1ng.<\/p>\n<ol start=\"4\">\n<li><strong>V\u1ec1 l\u00e3i su\u1ea5t cho vay v\u00e0 ch\u1eadm tr\u1ea3 (c\u00e1c \u0111i\u1ec1u 305, 404, 576, 709):<\/strong><\/li>\n<\/ol>\n<p>N\u1ebfu c\u1ee9 theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec l\u00e3i su\u1ea5t cho vay t\u1ea1i th\u1eddi \u0111i\u1ec3m 9-2011 t\u1ed1i \u0111a l\u00e0 13,5%\/n\u0103m (th\u1ea5p h\u01a1n tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 14%\/n\u0103m). Th\u1ef1c t\u1ebf h\u1ea7u h\u1ebft vi\u1ec7c cho vay \u0111\u1ec1u v\u01b0\u1ee3t xa tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y, g\u1ea5p t\u1edbi v\u00e0i l\u1ea7n \u0111\u1ebfn v\u00e0i ch\u1ee5c l\u1ea7n, th\u1eadm ch\u00ed cho vay l\u00ean \u0111\u1ebfn 720%\/n\u0103m (B\u00e1o Ph\u00e1p lu\u1eadt TP HCM 10-11-2009) hay 900%\/n\u0103m (B\u00e1o Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam 22-9-2010). Ri\u00eang c\u00e1c ng\u00e2n h\u00e0ng, l\u00e0 ng\u01b0\u1eddi cho vay chuy\u00ean nghi\u1ec7p nh\u1ea5t, th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf ri\u00eang, kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n tr\u1ea7n l\u00e3i su\u1ea5t cho vay. Nh\u01b0ng \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n hi\u1ec7n nay, th\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh ngo\u1ea1i l\u1ec7 cho ng\u00e2n h\u00e0ng, cho n\u00ean g\u1ea7n nh\u01b0 100% c\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u00e1p d\u1ee5ng sai lu\u1eadt, l\u00e0 c\u1ee9 t\u00ednh b\u1eb1ng 150% l\u00e3i su\u1ea5t trong h\u1ea1n nh\u01b0 th\u1eddi xa x\u01b0a, ch\u1ee9 kh\u00f4ng t\u00ednh \u201ctheo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d, t\u1ee9c l\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p c\u1ed9ng th\u00eam kh\u00f4ng qu\u00e1 9%\/n\u0103m theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n<p>\u0110\u00e2y l\u00e0 nh\u1eefng quy \u0111\u1ecbnh tr\u00e1i kho\u00e1y \u0111\u1ebfn m\u1ee9c ngang ng\u01b0\u1ee3c nh\u1ea5t c\u1ee7a ph\u00e1p lu\u1eadt, ch\u1ed1ng l\u1ea1i th\u1ef1c t\u1ebf cu\u1ed9c s\u1ed1ng, cho n\u00ean c\u0169ng b\u1ecb vi ph\u1ea1m m\u1ed9t c\u00e1ch ph\u1ed5 bi\u1ebfn nh\u1ea5t, ngang nhi\u00ean nh\u1ea5t. K\u1ec3 c\u1ea3 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n t\u0103ng l\u00ean 14%\/n\u0103m th\u00ec gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay v\u00e0 qu\u00e1 h\u1ea1n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169ng v\u1eabn kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n<p>B\u00e1o c\u00e1o R\u00e0 so\u00e1t khuy\u1ebfn ngh\u1ecb: Kh\u00f4ng d\u00f9ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 l\u00e0m c\u0103n c\u1ee9 t\u00ednh l\u00e3i cho vay v\u00e0 ch\u1eadm tr\u1ea3, m\u00e0 c\u0103n c\u1ee9 v\u00e0o l\u00e3i su\u1ea5t cho vay tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u1ed9ng v\u1edbi m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea1t nh\u1ea5t \u0111\u1ecbnh.<\/p>\n<p>Tuy nhi\u00ean, n\u1ebfu ch\u1ec9 d\u1eebng l\u1ea1i \u1edf quy \u0111\u1ecbnh nh\u01b0 \u0110<a name=\"_Toc247355850\"><\/a>i\u1ec1u 306 v\u1ec1 \u201cQuy\u1ec1n y\u00eau c\u1ea7u ti\u1ec1n l\u00e3i do ch\u1eadm thanh to\u00e1n\u201d, c\u1ee7a Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i: \u201c<em>Tr\u01b0\u1eddng h\u1ee3p b\u00ean vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng ch\u1eadm thanh to\u00e1n ti\u1ec1n h\u00e0ng hay ch\u1eadm thanh to\u00e1n th\u00f9 lao d\u1ecbch v\u1ee5 v\u00e0 c\u00e1c chi ph\u00ed h\u1ee3p l\u00fd kh\u00e1c th\u00ec b\u00ean b\u1ecb vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u tr\u1ea3 ti\u1ec1n l\u00e3i tr\u00ean s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 \u0111\u00f3 theo l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n trung b\u00ecnh tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>.\u201d th\u00ec c\u0169ng v\u1eabn d\u1eabn \u0111\u1ebfn b\u1ebf t\u1eafc v\u00e0 c\u00f3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c, th\u00ec \u0111\u00f3 c\u0169ng l\u00e0 nh\u1eefng con s\u1ed1 thay \u0111\u1ed5i li\u00ean t\u1ee5c, r\u1ea5t kh\u00f3 kh\u0103n trong vi\u1ec7c \u00e1p d\u1ee5ng.<\/p>\n<p>V\u00ec v\u1eady, c\u1ea7n quy \u0111\u1ecbnh m\u1ed9t m\u1ee9c gi\u1edbi h\u1ea1n c\u1ed1 \u0111\u1ecbnh, v\u00ed d\u1ee5 l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 36%\/n\u0103m, l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 kh\u00f4ng qu\u00e1 90%\/n\u0103m (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi l\u00e3i su\u1ea5t cho vay cao nh\u1ea5t c\u00f3 th\u1ec3 g\u1ea5p 2-3 l\u1ea7n l\u00e3i su\u1ea5t trung b\u00ecnh tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u00e0 su\u1ea5t qu\u00e1 h\u1ea1n c\u0169ng c\u00f3 th\u1ec3 g\u1ea5p 2-3 l\u1ea7n l\u00e3i su\u1ea5t trong h\u1ea1n). V\u00e0 sau m\u1ed9t s\u1ed1 n\u0103m, th\u00ec Qu\u1ed1c h\u1ed9i ho\u1eb7c Ch\u00ednh ph\u1ee7 s\u1ebd quy\u1ebft \u0111\u1ecbnh thay \u0111\u1ed5i cho ph\u00f9 h\u1ee3p.<\/p>\n<ol start=\"5\">\n<li><strong>V\u1ec1 b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p (\u0110i\u1ec1u 348, 349):<\/strong><\/li>\n<\/ol>\n<p>B\u00e1o c\u00e1o R\u00e0 so\u00e1t khuy\u1ebfn ngh\u1ecb: Cho ph\u00e9p b\u00ean th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c t\u1ef1 b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n<p>\u0110i\u1ec1u n\u00e0y l\u00e0 r\u1ea5t nguy hi\u1ec3m, s\u1ebd t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho s\u1ef1 b\u1ed9i \u01b0\u1edbc, tr\u1ed1n b\u1ecf ngh\u0129a v\u1ee5. Tr\u00ean th\u1ef1c t\u1ebf, m\u1eb7c \u0111\u00f9 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u1ec1u tho\u1ea3 thu\u1eadn r\u1ea5t ch\u1eb7t ch\u1ebd vi\u1ec7c kh\u00f4ng cho b\u00e1n ho\u1eb7c ch\u1ec9 \u0111\u01b0\u1ee3c b\u00e1n \u0111\u1ec3 tr\u1ea3 n\u1ee3 cho ngh\u0129a v\u1ee5 th\u1ebf ch\u1ea5p, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, b\u00ean th\u1ebf ch\u1ea5p v\u1eabn th\u01b0\u1eddng t\u1ef1 \u00fd b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p m\u1ed9t c\u00e1ch b\u1ea5t h\u1ee3p ph\u00e1p, kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd v\u00e0 kh\u00f4ng tr\u1ea3 n\u1ee3 cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p, d\u1eabn \u0111\u1ebfn tranh ch\u1ea5p ph\u1ee9c t\u1ea1p, x\u00e2m ph\u1ea1m nghi\u00eam tr\u1ecdng quy\u1ec1n l\u1ee3i c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n<p>Nh\u01b0 v\u1eady, kh\u00f4ng kh\u00e1c n\u00e0o b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u201cth\u1ea3 g\u00e0 ra m\u00e0 \u0111u\u1ed5i\u201d, bi\u1ebfn kho\u1ea3n n\u1ee3 t\u1eeb c\u00f3 b\u1ea3o \u0111\u1ea3m th\u00e0nh quy\u1ec1n \u0111\u00f2i n\u1ee3 kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, \u0111i ng\u01b0\u1ee3c l\u1ea1i 180 \u0111\u1ed9 so v\u1edbi b\u1ea3n ch\u1ea5t c\u1ee7a giao d\u1ecbch b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n .<\/p>\n<ol start=\"6\">\n<li><strong>V\u1ec1 h\u00ecnh th\u1ee9c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m (\u0110i\u1ec1u 327, 343, 358, 360, 362, 373):<\/strong><\/li>\n<\/ol>\n<p>B\u00e1o c\u00e1o r\u00e0 so\u00e1t m\u1edbi n\u00eau vi\u1ec7c b\u1ea3o l\u00e3nh kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i l\u1eadp th\u00e0nh v\u0103n b\u1ea3n.<\/p>\n<p>V\u1ea5n \u0111\u1ec1 kh\u00f4ng ch\u1ec9 c\u00f3 th\u1ebf, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh, trong 7 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m, ngo\u1ea1i tr\u1eeb duy nh\u1ea5t bi\u1ec7n ph\u00e1p \u201ck\u00fd c\u01b0\u1ee3c\u201d l\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i l\u1eadp th\u00e0nh v\u0103n b\u1ea3n, c\u00f2n l\u1ea1i t\u1ea5t c\u1ea3 c\u00e1c bi\u1ec7n ph\u00e1p kh\u00e1c l\u00e0 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, \u0111\u1eb7t c\u1ecdc, k\u00fd qu\u1ef9, b\u1ea3o l\u00e3nh v\u00e0 t\u00edn ch\u1ea5p \u0111\u1ec1u ph\u1ea3i l\u1eadp th\u00e0nh v\u0103n b\u1ea3n<\/p>\n<p>Quy \u0111\u1ecbnh nh\u01b0 v\u1eady l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, kh\u00f4ng c\u1ea7n thi\u1ebft trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p. N\u1ebfu h\u1ee3p \u0111\u1ed3ng ch\u00ednh kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i b\u1eb1ng v\u0103n b\u1ea3n, th\u00ec ch\u1eb3ng c\u00f3 l\u00fd do g\u00ec b\u1eaft h\u1ee3p \u0111\u1ed3ng ph\u1ee5 ph\u1ea3i l\u1eadp th\u00e0nh v\u0103n b\u1ea3n. V\u00ed d\u1ee5, khi mua v\u00e0i chai bia H\u00e0 N\u1ed9i, th\u00ec th\u01b0\u1eddng l\u00e0 giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1eb1ng l\u1eddi n\u00f3i v\u00e0 nh\u01b0 v\u1eady l\u00e0 h\u1ee3p ph\u00e1p. Tuy nhi\u00ean, ng\u01b0\u1eddi mua th\u01b0\u1eddng ph\u1ea3i \u0111\u1eb7t c\u1ecdc m\u1ed9t s\u1ed1 ti\u1ec1n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 tr\u1ea3 l\u1ea1i v\u1ecf chai cho ng\u01b0\u1eddi b\u00e1n. N\u1ebfu c\u1ee9 theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, th\u00ec vi\u1ec7c \u0111\u1eb7t c\u1ecdc \u0111\u1ec3 tr\u1ea3 v\u1ecf chai s\u1ebd ph\u1ea3i l\u1eadp th\u00e0nh v\u0103n b\u1ea3n!?.<\/p>\n<p>V\u00ec v\u1eady, c\u1ea7n b\u1ecf b\u1edbt vi\u1ec7c b\u1eaft bu\u1ed9c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ph\u1ea3i l\u00e0m th\u00e0nh v\u0103n b\u1ea3n v\u00e0 c\u1ea7n quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c b\u1eaft bu\u1ed9c theo c\u00e1c tr\u01b0\u1eddng h\u1ee3p giao d\u1ecbch thay v\u00ec theo c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m.<\/p>\n<ol start=\"7\">\n<li><strong>V\u1ec1 bi\u1ec7n ph\u00e1p k\u00fd qu\u1ef9 (\u0110i\u1ec1u 360):<\/strong><\/li>\n<\/ol>\n<p>B\u00e1o c\u00e1o R\u00e0 so\u00e1t khuy\u1ebfn ngh\u1ecb: Ngo\u00e0i vi\u1ec7c k\u00fd qu\u1ef9 \u0111\u00f2i h\u00f2i s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c trung gian l\u00e0 ng\u00e2n h\u00e0ng (TCTD), th\u00ec c\u1ea7n cho ph\u00e9p k\u00fd qu\u1ef9 trong giao d\u1ecbch gi\u1eefa hai b\u00ean, t\u1ee9c b\u1ea5t k\u1ef3 m\u1ed9t t\u1ed5 ch\u1ee9c n\u00e0o c\u0169ng c\u00f3 th\u1ec3 nh\u1eadn k\u00fd qu\u1ef9.<\/p>\n<p>\u0110\u1ec1 ngh\u1ecb tr\u00ean l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, v\u00ec n\u1ebfu k\u00fd qu\u1ef9 kh\u00f4ng c\u00f3 s\u1ef1 tham gia c\u1ee7a b\u00ean th\u1ee9 3 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh trung gian, th\u00ec ho\u00e0n to\u00e0n tr\u00f9ng l\u1eb7p v\u1edbi bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1. Kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn vi\u1ec7c c\u00f4ng ty ch\u1ee9ng kho\u00e1n (kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng), nh\u01b0ng c\u0169ng th\u1ef1c hi\u1ec7n vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n k\u00fd qu\u1ef9 nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i Quy ch\u1ebf h\u01b0\u1edbng d\u1eabn giao d\u1ecbch k\u00fd qu\u1ef9 ch\u1ee9ng kho\u00e1n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 637\/Q\u0110-UBCK ng\u00e0y 30-8-2011 c\u1ee7a U\u1ef7 ban Ch\u1ee9ng kho\u00e1n Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>N\u1ebfu c\u00f3, th\u00ec ch\u1ec9 xem x\u00e9t m\u1ed9t ngo\u1ea1i l\u1ec7, b\u00ean th\u1ee9 3 l\u00e0 ng\u00e2n h\u00e0ng c\u0169ng ch\u00ednh l\u00e0 b\u00ean nh\u1eadn k\u00fd qu\u1ef9 (thay v\u00ec l\u1ea1i ph\u1ea3i k\u00fd qu\u1ef9 \u1edf m\u1ed9t ng\u00e2n h\u00e0ng kh\u00e1c).<\/p>\n<p>&nbsp;<\/p>\n<p><strong><em>\u00a0 \u00a0VCCI 14-9-2011<\/em><\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>\u0110\u1ecba ch\u1ec9 li\u00ean h\u1ec7:<\/em><\/strong><\/p>\n<p><strong>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/p>\n<p>Maritime Bank, 88, L\u00e1ng H\u1ea1, \u0110\u1ed1ng \u0110a, H\u00e0 N\u1ed9i<\/p>\n<p>\u0110T: 090.345.9070 &#8211; E-mail: <a href=\"mailto:truongthanhduc@yahoo.com\">truongthanhduc@yahoo.com<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>B\u00ccNH LU\u1eacN V\u1ec0 B\u00c1O C\u00c1O R\u00c0 SO\u00c1T<\/strong><\/p>\n<p><strong>B\u1ed8 LU\u1eacT D\u00c2N S\u1ef0 N\u0102M 2005<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u00a0 B\u00e0i th\u1ee9 5 trong lo\u1ea1t b\u00e0i tham gia x\u00e2y d\u1ef1ng B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; B\u00e0i vi\u1ebft n\u00e0y b\u00ecnh lu\u1eadn v\u1ec1 7\/91 v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c n\u00eau trong B\u00e1o c\u00e1o R\u00e0 so\u00e1t B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, trong \u0111\u00f3 \u0111\u01b0a th\u00eam 1 v\u1ea5n \u0111\u1ec1 m\u1edbi, ph\u1ea3n \u0111\u1ed1i 1 v\u1ea5n \u0111\u1ec1 v\u00e0 b\u00ecnh lu\u1eadn th\u00eam v\u1ec1 5 v\u1ea5n \u0111\u1ec1 kh\u00e1c: V\u1ec1 h\u1ed9 gia \u0111\u00ecnh (c\u00e1c \u0111i\u1ec1u t\u1eeb 106 \u0111\u1ebfn [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5885,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-5884","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>143. 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[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) &#8211; B\u00e0i vi\u1ebft n\u00e0y b\u00ecnh lu\u1eadn v\u1ec1 7\/91 v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c n\u00eau trong B\u00e1o c\u00e1o R\u00e0 so\u00e1t B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, trong \u0111\u00f3 \u0111\u01b0a th\u00eam 1 v\u1ea5n \u0111\u1ec1 m\u1edbi, ph\u1ea3n \u0111\u1ed1i 1 v\u1ea5n \u0111\u1ec1 v\u00e0 b\u00ecnh lu\u1eadn th\u00eam v\u1ec1 5 v\u1ea5n \u0111\u1ec1 kh\u00e1c: V\u1ec1 h\u1ed9 gia \u0111\u00ecnh (c\u00e1c \u0111i\u1ec1u t\u1eeb 106 \u0111\u1ebfn [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/143-binh-luan-ve-bao-cao-ra-soat-bo-luat-dan-su-nam-2005\/\" \/>\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=\"2011-09-14T03:44:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-02-11T05:25:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/562-5625899_lady-justice-measuring-scales-clip-art-judge-scales.png\" \/>\n\t<meta property=\"og:image:width\" content=\"880\" \/>\n\t<meta property=\"og:image:height\" content=\"705\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"16 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/143-binh-luan-ve-bao-cao-ra-soat-bo-luat-dan-su-nam-2005\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/143-binh-luan-ve-bao-cao-ra-soat-bo-luat-dan-su-nam-2005\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"143. 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