{"id":5952,"date":"2013-01-09T14:56:00","date_gmt":"2013-01-09T07:56:00","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5952"},"modified":"2022-02-15T13:12:30","modified_gmt":"2022-02-15T06:12:30","slug":"164-binh-luan-ve-che-dinh-dam-bao-tien-vay-doi-voi-hoat-dong-tin-dung-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/164-binh-luan-ve-che-dinh-dam-bao-tien-vay-doi-voi-hoat-dong-tin-dung-ngan-hang\/","title":{"rendered":"164. B\u00ecnh lu\u1eadn v\u1ec1 ch\u1ebf \u0111\u1ecbnh b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng."},"content":{"rendered":"(ANVI) – TH\u1ef0C TI\u1ec4N THI H\u00c0NH PH\u00c1P LU\u1eacT B\u1ea2O \u0110\u1ea2M TH\u1ef0C HI\u1ec6N NGH\u0128A V\u1ee4 D\u00c2N S\u1ef0 TRONG KINH DOANH NG\u00c2N H\u00c0NG NH\u00ccN T\u1eea \u0110\u00d3C \u0110\u1ed8 NG\u00c2N H\u00c0NG TH\u01af\u01a0NG M\u1ea0I – B\u1ea4T C\u1eacP V\u00c0 C\u00c1C GI\u1ea2I PH\u00c1P HO\u00c0N THI\u1ec6N<\/strong><\/p>\n

Chuy\u00ean \u0111\u1ec1 s\u1ed1 8 thu\u1ed9c \u0110\u1ec1 t\u00e0i khoa h\u1ecdc c\u1ea5p B\u1ed9 n\u0103m 2012: \u201cPh\u00e1p lu\u1eadt v\u1ec1 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 trong kinh doanh ng\u00e2n h\u00e0ng \u2013 th\u1ef1c tr\u1ea1ng v\u00e0 gi\u1ea3i ph\u00e1p\u201d)[2]<\/a><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/strong><\/em><\/p>\n

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

1. Th\u00f4ng tin v\u1ec1 c\u00e1c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m t\u1ea1i ng\u00e2n h\u00e0ng hi\u1ec7n nay:<\/strong><\/p>\n

1.1.\u00a0\u00a0\u00a0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh 7 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 l\u00e0 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n, \u0111\u1eb7t c\u1ecdc, k\u00fd c\u01b0\u1ee3c, k\u00fd qu\u1ef9, b\u1ea3o l\u00e3nh v\u00e0 t\u00edn ch\u1ea5p (kho\u1ea3n 1, \u0110i\u1ec1u 318 \u201cBi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1\u201d). C\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 n\u00f3i chung li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng hi\u1ec7n nay th\u00ec c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u1ea3 7 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m n\u00e0y.<\/p>\n

Bi\u1ec7n ph\u00e1p k\u00fd c\u01b0\u1ee3c, th\u00ec ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng thu\u00ea t\u00e0i s\u1ea3n l\u00e0 \u0111\u1ed9ng s\u1ea3n (\u0110i\u1ec1u 359 \u201cK\u00fd c\u01b0\u1ee3c\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1). Bi\u1ec7n ph\u00e1p \u0111\u1eb7t c\u1ecdc th\u00ec th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0 hay h\u1ee3p \u0111\u1ed3ng mua b\u00e1n ho\u1eb7c thu\u00ea t\u00e0i s\u1ea3n, m\u00e0 ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t b\u00ean ch\u1ee7 th\u1ec3 (<\/a>\u0110i\u1ec1u 358 \u201c\u0110\u1eb7t c\u1ecdc\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1). Bi\u1ec7n ph\u00e1p n\u00e0y c\u0169ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf h\u1ea7u nh\u01b0 kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p \u0111\u1eb7t c\u1ecdc \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay n\u00f3i ri\u00eang v\u00e0 c\u1ea5p t\u00edn d\u1ee5ng n\u00f3i chung c\u1ee7a ng\u00e2n h\u00e0ng, v\u00ec trong giai \u0111o\u1ea1n tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, th\u00ec t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay, c\u00e1c b\u00ean \u0111\u1ec1u nh\u1eadn th\u1ea5y kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i c\u00f3 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m cho vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. C\u00f2n sau khi \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, th\u00ec \u0111\u00e3 c\u00f3 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m s\u00e1t th\u1ef1c, ph\u00f9 h\u1ee3p h\u01a1n ho\u1eb7c l\u00e0 bi\u1ec7n ph\u00e1p t\u01b0\u01a1ng t\u1ef1 thay th\u1ebf, \u0111\u00f3 l\u00e0 4 bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, k\u00fd qu\u1ef9 v\u00e0 b\u1ea3o l\u00e3nh.<\/p>\n

1.2.\u00a0\u00a0\u00a0 Do v\u1eady, c\u00e1c giao d\u1ecbch li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng (g\u1ed3m cho vay, b\u1ea3o l\u00e3nh, chi\u1ebft kh\u1ea5u, bao thanh to\u00e1n, cho thu\u00ea t\u00e0i ch\u00ednh v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c), th\u00ec ch\u1ec9 \u00e1p d\u1ee5ng 5 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m l\u00e0 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, k\u00fd qu\u1ef9, b\u1ea3o l\u00e3nh v\u00e0 t\u00edn ch\u1ea5p, trong \u0111\u00f3 4 bi\u1ec7n ph\u00e1p \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ed9t c\u00e1ch ph\u1ed5 bi\u1ebfn v\u00e0 theo th\u1ee9 t\u1ef1 \u01b0u ti\u00ean l\u00e0 k\u00fd qu\u1ef9, c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh:[3]<\/a><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 K\u00fd qu\u1ef9 l\u00e0 vi\u1ec7c b\u00ean c\u00f3 ngh\u0129a v\u1ee5 g\u1eedi m\u1ed9t kho\u1ea3n ti\u1ec1n ho\u1eb7c kim kh\u00ed qu\u00fd, \u0111\u00e1 qu\u00fd ho\u1eb7c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c v\u00e0o t\u00e0i kho\u1ea3n phong to\u1ea3 t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 (kho\u1ea3n 1, \u0110i\u1ec1u 360 \u201cK\u00fd qu\u1ef9\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1). K\u00fd qu\u1ef9 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m \u0111\u01a1n gi\u1ea3n, ti\u1ec7n l\u1ee3i v\u00e0 an to\u00e0n nh\u1ea5t, n\u00ean \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng lu\u00f4n \u01b0u ti\u00ean s\u1eed d\u1ee5ng \u1edf m\u1ee9c cao nh\u1ea5t. \u0110\u1eb7c bi\u1ec7t l\u00e0 trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng tham gia v\u00e0o giao d\u1ecbch b\u1ea3o \u0111\u1ea3m n\u00e0y v\u1edbi \u0111\u1ed3ng th\u1eddi v\u1edbi 2 t\u01b0 c\u00e1ch l\u00e0 b\u00ean nh\u1eadn k\u00fd qu\u1ef9 v\u00e0 b\u00ean ng\u00e2n h\u00e0ng. C\u00f2n tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 tham gia c\u1ee7a 3 b\u00ean (b\u00ean l\u00e0 b\u00ean k\u00fd qu\u1ef9, b\u00ean nh\u1eadn k\u00fd qu\u1ef9 v\u00e0 ng\u00e2n h\u00e0ng trung gian), th\u00ec bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m n\u00e0y tr\u1edf l\u00ean ph\u1ee9c t\u1ea1p v\u00e0 \u00edt an to\u00e0n h\u01a1n.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n l\u00e0 vi\u1ec7c b\u00ean c\u1ea7m c\u1ed1 giao t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 (\u0110i\u1ec1u 326 \u201cC\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1). V\u00ec t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 \u0111\u00e3 \u0111\u01b0\u1ee3c giao cho ng\u00e2n h\u00e0ng, n\u00ean vi\u1ec7c qu\u1ea3n l\u00fd v\u00e0 x\u1eed l\u00fd \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 g\u1ea7n nh\u01b0 ho\u00e0n to\u00e0n thu\u1ed9c quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng. Do v\u1eady, bi\u1ec7n ph\u00e1p n\u00e0y c\u0169ng b\u1ea3o \u0111\u1ea3m an to\u00e0n cao v\u00e0 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng \u01b0u ti\u00ean s\u1eed d\u1ee5ng. Tuy nhi\u00ean, trong quan h\u1ec7 t\u00edn d\u1ee5ng, th\u00ec b\u00ean vay th\u01b0\u1eddng kh\u00f3 ch\u1ea5p nh\u1eadn vi\u1ec7c giao h\u1eb3n t\u00e0i s\u1ea3n l\u00e0 h\u00e0ng ho\u00e1, v\u1eadt t\u01b0, nguy\u00ean nhi\u00ean v\u1eadt li\u1ec7u \u0111ang trong qu\u00e1 tr\u00ecnh lu\u00e2n chuy\u1ec3n s\u1ea3n xu\u1ea5t, kinh doanh cho ng\u00e2n h\u00e0ng, v\u00ec s\u1ebd kh\u00f3 kh\u0103n, \u00e1ch t\u1eafc trong vi\u1ec7c ho\u1ea1t \u0111\u1ed9ng. V\u00e0 ng\u00e2n h\u00e0ng th\u00ec c\u0169ng kh\u00f3 qu\u1ea3n l\u00fd, b\u1ea3o qu\u1ea3n h\u00e0ng ho\u00e1 lu\u00e2n chuy\u1ec3n, n\u00ean th\u01b0\u1eddng ch\u1ec9 \u01b0u ti\u00ean c\u1ea7m c\u1ed1 ti\u1ec1n g\u1eedi, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 v\u00e0 t\u00e0i s\u1ea3n qu\u00fd hi\u1ebfm, d\u1ec5 b\u1ea3o qu\u1ea3n.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 vi\u1ec7c b\u00ean th\u1ebf ch\u1ea5p d\u00f9ng t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 \u0111\u1ed1i v\u1edbi b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p v\u00e0 kh\u00f4ng chuy\u1ec3n giao t\u00e0i s\u1ea3n \u0111\u00f3 cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p (k<\/a>ho\u1ea3n 1, \u0110i\u1ec1u 342 \u201cTh\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1). Do ng\u00e2n h\u00e0ng kh\u00f4ng tr\u1ef1c ti\u1ebfp qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, n\u00ean bi\u1ec7n ph\u00e1p th\u1ebf ch\u1ea5p b\u1ea3o \u0111\u1ea3m an to\u00e0n th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi k\u00fd qu\u1ef9 v\u00e0 c\u1ea7m c\u1ed1. N\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, th\u00ec th\u1ee7 t\u1ee5c x\u1eed l\u00fd ph\u00e1t m\u1ea1i thu h\u1ed3i n\u1ee3 c\u00e0ng k\u00e9o d\u00e0i, v\u00f4 c\u00f9ng r\u1eafc r\u1ed1i, t\u1ed1n k\u00e9m. \u0110\u1eb7c bi\u1ec7t, n\u1ebfu th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba, th\u00ec s\u1ef1 ph\u1ee9c t\u1ea1p v\u00e0 r\u1ee7i ro t\u0103ng l\u00ean r\u1ea5t nhi\u1ec1u, cho n\u00ean m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u00e3 quy \u0111\u1ecbnh, v\u1ec1 nguy\u00ean t\u1eafc kh\u00f4ng nh\u1eadn th\u1ebf ch\u1ea5p trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 B\u1ea3o l\u00e3nh l\u00e0 vi\u1ec7c b\u00ean b\u1ea3o l\u00e3nh (l\u00e0 ng\u01b0\u1eddi th\u1ee9 ba) cam k\u1ebft v\u1edbi b\u00ean b\u00ean nh\u1eadn b\u1ea3o l\u00e3nh s\u1ebd th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thay cho b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh (b\u00ean c\u00f3 ngh\u0129a v\u1ee5), n\u1ebfu khi \u0111\u1ebfn th\u1eddi h\u1ea1n m\u00e0 b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang ngh\u0129a v\u1ee5 (\u0110i\u1ec1u 361 \u201cB\u1ea3o l\u00e3nh\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1). V\u00ec b\u1ea3o l\u00e3nh kh\u00f4ng k\u00e8m theo t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, n\u00ean kh\u00f3 c\u00f3 s\u1ef1 b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u00ean th\u1ef1c t\u1ebf khi ph\u1ea3i th\u1ef1c hi\u1ec7n thay ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh. V\u00ec v\u1eady, th\u00f4ng th\u01b0\u1eddng, c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 ch\u1ea5p nh\u1eadn b\u1ea3o l\u00e3nh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c hay c\u00e1c c\u00f4ng ty r\u1ea5t uy t\u00edn b\u1ea3o l\u00e3nh cho c\u00f4ng ty con.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u00edn ch\u1ea5p l\u00e0 vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb \u2013 x\u00e3 h\u1ed9i b\u1ea3o \u0111\u1ea3m cho c\u00e1 nh\u00e2n ngh\u00e8o, h\u1ed9 gia \u0111\u00ecnh ngh\u00e8o vay m\u1ed9t kho\u1ea3n ti\u1ec1n t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ec3 s\u1ea3n xu\u1ea5t, kinh doanh, l\u00e0m d\u1ecbch v\u1ee5 (\u0110i\u1ec1u 372 <\/a>\u201cB\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p c\u1ee7a t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb \u2013 x\u00e3 h\u1ed9i\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1). Bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m n\u00e0y ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb v\u1ec1 m\u1eb7t t\u00e0i s\u1ea3n, v\u00ec v\u1eady th\u1ef1c ch\u1ea5t l\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m v\u00e0 kh\u00f4ng n\u00ean coi l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1. Do v\u1eady ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p cho vay c\u1ee7a Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i, m\u00e0 h\u1ea7u nh\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. N\u1ebfu ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho vay, th\u00ec thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (tuy nhi\u00ean c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn s\u1eed d\u1ee5ng kh\u00e1i ni\u1ec7m t\u00edn ch\u1ea5p m\u1ed9t c\u00e1ch nh\u1ea7m l\u1eabn theo th\u00f3i quen tr\u01b0\u1edbc \u0111\u00e2y).<\/p>\n

1.3.\u00a0\u00a0\u00a0 Lo\u1ea1i t\u00e0i s\u1ea3n th\u01b0\u1eddng \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng nh\u1eadn l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 v\u00e0 ti\u1ec1n g\u1eedi, th\u1ebb ti\u1ebft ki\u1ec7m; ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i; h\u00e0ng ho\u00e1, kho t\u00e0ng; m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb; b\u1ea5t \u0111\u1ed9ng s\u1ea3n; quy\u1ec1n t\u00e0i s\u1ea3n:<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ti\u1ec1n g\u1eedi, g\u1ed3m ti\u1ec1n g\u1eedi k\u00fd qu\u1ef9, ti\u1ec1n g\u1eedi thanh to\u00e1n, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m (th\u1ebb ti\u1ebft ki\u1ec7m) v\u00e0 ti\u1ec1n g\u1eedi kh\u00e1c.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 g\u1ed3m: C\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, h\u1ed1i phi\u1ebfu, k\u1ef3 phi\u1ebfu, t\u00edn phi\u1ebfu, ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, s\u00e9c, ch\u1ee9ng ch\u1ec9 qu\u1ef9, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, tr\u1ecb gi\u00e1 \u0111\u01b0\u1ee3c th\u00e0nh ti\u1ec1n v\u00e0 \u0111\u01b0\u1ee3c ph\u00e9p giao d\u1ecbch (\u0110i\u1ec1u 3 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m). Trong \u0111\u00f3, h\u1ed1i phi\u1ebfu \u0111\u00f2i n\u1ee3, h\u1ed1i phi\u1ebfu nh\u1eadn n\u1ee3 v\u00e0 s\u00e9c \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 c\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng (\u0110i\u1ec1u 1 \u201cPh\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh\u201d, Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng n\u0103m 2005).<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i g\u1ed3m: \u00d4 t\u00f4, t\u00e0u bi\u1ec3n, t\u00e0u thu\u1ef7, t\u00e0u s\u00f4ng, t\u00e0u c\u00e1, t\u00e0u ho\u1ea3, t\u00e0u bay v\u00e0 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i kh\u00e1c.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0ng ho\u00e1 g\u1ed3m: H\u00e0ng ho\u00e1 th\u00e0nh ph\u1ea9m; v\u1eadt t\u01b0, nguy\u00ean nhi\u00ean v\u1eadt li\u1ec7u trong kho, \u0111ang trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t, v\u1eadn chuy\u1ec3n;\u2026<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u00e1y m\u00f3c, thi\u1ebft b\u1ecb s\u1ea3n xu\u1ea5t, kinh doanh g\u1ed3m m\u00e1y m\u00f3c, trang thi\u1ebft b\u1ecb s\u1ea3n xu\u1ea5t, v\u0103n ph\u00f2ng, d\u00e2y chuy\u1ec3n s\u1ea3n xu\u1ea5t,\u2026<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 B\u1ea5t \u0111\u1ed9ng s\u1ea3n g\u1ed3m \u0111\u1ea5t \u0111ai; nh\u00e0, c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t \u0111ai, c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t, c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c do ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh<\/a> (kho\u1ea3n 1, \u0110i\u1ec1u 174 \u201cB\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 \u0111\u1ed9ng s\u1ea3n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1).<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Quy\u1ec1n t\u00e0i s\u1ea3n, bao g\u1ed3m: Quy\u1ec1n t\u00e1c gi\u1ea3; quy\u1ec1n s\u1edf h\u1eefu c\u00f4ng nghi\u1ec7p; quy\u1ec1n \u0111\u1ed1i v\u1edbi gi\u1ed1ng c\u00e2y tr\u1ed3ng; quy\u1ec1n \u0111\u00f2i n\u1ee3 (kho\u1ea3n ph\u1ea3i thu) ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, cho thu\u00ea t\u00e0i s\u1ea3n ho\u1eb7c cung c\u1ea5p d\u1ecbch v\u1ee5; quy\u1ec1n \u0111\u01b0\u1ee3c nh\u1eadn s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m; quy\u1ec1n t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi ph\u1ea7n v\u1ed1n g\u00f3p trong doanh nghi\u1ec7p; quy\u1ec1n t\u00e0i s\u1ea3n ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng; quy\u1ec1n khai th\u00e1c t\u00e0i nguy\u00ean; quy\u1ec1n t\u00e0i s\u1ea3n kh\u00e1c.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai g\u1ed3m \u0111\u1ed9ng s\u1ea3n v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u00f3i tr\u00ean (kho\u1ea3n 2, \u0110i\u1ec1u 320 \u201cV\u1eadt b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1), tr\u1eeb quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t (\u0111i\u1ec3m c, kho\u1ea3n 2, \u0110i\u1ec1u 4 \u201cT\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 11\/2012\/N\u0110-CP ng\u00e0y 22-02-2012). N\u1ebfu t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai t\u1eeb ngu\u1ed3n v\u1ed1n vay, th\u00ec c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n vay.<\/p>\n

1.4.\u00a0\u00a0\u00a0 C\u00e1ch th\u1ee9c ng\u00e2n h\u00e0ng x\u00e1c \u0111\u1ecbnh gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

Vi\u1ec7c \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay v\u1ec1 h\u00ecnh th\u1ee9c l\u00e0 do s\u1ef1 tho\u1ea3 thu\u1eadn c\u1ee7a hai b\u00ean, b\u00ean ng\u00e2n h\u00e0ng (b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m) v\u00e0 b\u00ean c\u00f3 t\u00e0i s\u1ea3n (b\u00ean b\u1ea3o \u0111\u1ea3m). Tuy nhi\u00ean, v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng lu\u00f4n t\u00ednh to\u00e1n b\u1ea3o \u0111\u1ea3m kh\u1ea3 n\u0103ng thu h\u1ed3i v\u1ed1n v\u00e0 l\u00e3i cho vay, n\u00ean th\u01b0\u1eddng t\u1ef1 quy\u1ebft \u0111\u1ecbnh gi\u00e1 v\u00e0 \u0111\u00f2i h\u1ecfi b\u00ean b\u1ea3o \u0111\u1ea3m ch\u1ea5p nh\u1eadn gi\u00e1 do ng\u00e2n h\u00e0ng \u0111\u01b0a ra.<\/p>\n

Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c t\u00e0i s\u1ea3n \u0111\u1eb7c bi\u1ec7t, kh\u00f3 x\u00e1c \u0111\u1ecbnh gi\u00e1, ng\u00e2n h\u00e0ng th\u01b0\u1eddng thu\u00ea t\u1ed5 ch\u1ee9c th\u1ea9m \u0111\u1ecbnh gi\u00e1 ho\u1eb7c tham v\u1ea5n c\u00e1c t\u1ed5 ch\u1ee9c t\u01b0 v\u1ea5n, t\u1ed5 ch\u1ee9c chuy\u00ean m\u00f4n n\u1eafm v\u1eefng v\u1ec1 gi\u00e1 tr\u1ecb v\u00e0 gi\u00e1 c\u1ea3 t\u00e0i s\u1ea3n. Trong tr\u01b0\u1eddng h\u1ee3p thu\u00ea t\u1ed5 ch\u1ee9c th\u1ea9m \u0111\u1ecbnh gi\u00e1, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn gi\u00e1 \u0111\u00fang nh\u01b0 k\u1ebft qu\u1ea3 th\u1ea9m \u0111\u1ecbnh gi\u00e1 (ch\u1ee9ng th\u01b0 th\u1ea9m \u0111\u1ecbnh gi\u00e1) ho\u1eb7c c\u0169ng c\u00f3 th\u1ec3 ch\u1ec9 l\u1ea5y l\u00e0m c\u0103n c\u1ee9 tham kh\u1ea3o.<\/p>\n

Vi\u1ec7c \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n d\u1ef1a v\u00e0o c\u00e1c c\u0103n c\u1ee9 sau:<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u1ec7nh gi\u00e1 \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd c\u00f3 gi\u00e1; gi\u00e1 theo h\u1ee3p \u0111\u1ed3ng, ho\u00e1 \u0111\u01a1n, ch\u1ee9ng t\u1eeb mua b\u00e1n h\u1ee3p ph\u00e1p v\u00e0 gi\u00e1 tr\u1ecb c\u00f2n l\u1ea1i c\u1ee7a t\u00e0i s\u1ea3n tr\u00ean s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u00e1 th\u1ecb tr\u01b0\u1eddng c\u1ee7a t\u00e0i s\u1ea3n tr\u00ean c\u01a1 s\u1edf th\u00f4ng tin gi\u00e1 c\u1ea3 tr\u00ean c\u00e1c s\u00e0n giao d\u1ecbch, ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang; th\u00f4ng tin gi\u00e1 c\u1ea3 c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb kinh doanh, d\u1ecbch v\u1ee5 trong c\u00e1c l\u0129nh v\u1ef1c li\u00ean quan (so s\u00e1nh, \u0111\u1ed1i chi\u1ebfu v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m c\u1ee5 th\u1ec3, l\u1ee3i th\u1ebf th\u01b0\u01a1ng m\u1ea1i);<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u00e1 theo khung gi\u00e1 do Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi lo\u1ea1i t\u00e0i s\u1ea3n m\u00e0 Nh\u00e0 n\u01b0\u1edbc c\u00f3 ban h\u00e0nh khung gi\u00e1 (quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c);[4]<\/sup><\/a><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 K\u1ebft qu\u1ea3 th\u1ea9m \u0111\u1ecbnh gi\u00e1 c\u1ee7a t\u1ed5 ch\u1ee9c t\u01b0 v\u1ea5n, t\u1ed5 ch\u1ee9c chuy\u00ean m\u00f4n th\u1ea9m \u0111\u1ecbnh gi\u00e1; t\u1ed5 ch\u1ee9c ki\u1ec3m to\u00e1n (n\u1ebfu c\u00f3);<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u00ecnh h\u00ecnh, kh\u1ea3 n\u0103ng bi\u1ebfn \u0111\u1ed9ng gi\u00e1 c\u1ea3 th\u1ecb tr\u01b0\u1eddng; th\u1eddi h\u1ea1n s\u1eed d\u1ee5ng c\u00f2n l\u1ea1i, kh\u1ea3 n\u0103ng b\u1ecb hao m\u00f2n (v\u00f4 h\u00ecnh v\u00e0 h\u1eefu h\u00ecnh), h\u01b0 h\u1ecfng, m\u1ea5t gi\u00e1 c\u1ee7a t\u00e0i s\u1ea3n; \u0111\u1eb7c bi\u1ec7t l\u00e0 trong tr\u01b0\u1eddng h\u1ee3p cho vay trung, d\u00e0i h\u1ea1n;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 L\u1ee3i th\u1ebf th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c c\u00e1c y\u1ebfu t\u1ed1 b\u1ea5t l\u1ee3i \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0 quy\u1ec1n s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n b\u1ecb h\u1ea1n ch\u1ebf do l\u1ee3i \u00edch c\u1ee7a b\u00ean th\u1ee9 ba; b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u1eb1m g\u1ea7n c\u01a1 s\u1edf s\u1ea3n xu\u1ea5t, kinh doanh \u0111\u1ed9c h\u1ea1i, \u00f4 nhi\u1ec5m; c\u00f3 nhi\u1ec1u ch\u1ee7 s\u1edf h\u1eefu ho\u1eb7c c\u00f3 y\u1ebfu t\u1ed1 n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c b\u1ecb \u1ea3nh h\u01b0\u1edfng do c\u00e1c y\u1ebfu t\u1ed1 b\u1ea5t l\u1ee3i kh\u00e1c.<\/p>\n

C\u00f4ng vi\u1ec7c quan tr\u1ecdng nh\u1ea5t trong kh\u00e2u \u0111\u1ecbnh gi\u00e1, l\u00e0 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c gi\u00e1 th\u1ecb tr\u01b0\u1eddng. Ch\u1eb3ng h\u1ea1n, gi\u00e1 th\u1ecb tr\u01b0\u1eddng c\u1ee7a b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 m\u1ee9c gi\u00e1 \u01b0\u1edbc t\u00ednh s\u1ebd \u0111\u01b0\u1ee3c mua b\u00e1n; hai b\u00ean mua, b\u00e1n s\u1eb5n s\u00e0ng mua, b\u00e1n trong m\u1ed9t giao d\u1ecbch kh\u00e1ch quan, \u0111\u1ed9c l\u1eadp, b\u00ecnh th\u01b0\u1eddng; l\u00e0 gi\u00e1 c\u00f4ng khai v\u00e0 c\u1ea1nh tranh.[5]<\/sup><\/a> C\u00e1c t\u1ed5 ch\u1ee9c th\u1ea9m \u0111\u1ecbnh gi\u00e1 th\u01b0\u1eddng c\u00f3 xu h\u01b0\u1edbng \u0111\u1ecbnh gi\u00e1 cao so v\u1edbi ng\u00e2n h\u00e0ng v\u00ec b\u00e1m s\u00e1t h\u01a1n gi\u00e1 th\u1ecb tr\u01b0\u1eddng v\u00e0 do kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 gi\u00e1 c\u1ea3 th\u1eadt s\u1ef1 t\u1ea1i th\u1eddi \u0111i\u1ec3m ph\u1ea3i ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n sau \u0111\u00f3 \u0111\u1ec3 thu h\u1ed3i n\u1ee3. \u0110\u1ec3 x\u00e1c \u0111\u1ecbnh gi\u00e1 th\u1ecb tr\u01b0\u1eddng \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng d\u1ef1a tr\u00ean m\u1ed9t s\u1ed1 c\u01a1 s\u1edf sau:<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u00e1 mua b\u00e1n th\u1ef1c t\u1ebf \u0111\u1ed1i v\u1edbi ch\u00ednh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3 ho\u1eb7c b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u01b0\u01a1ng t\u1ef1 li\u1ec1n k\u1ec1 ho\u1eb7c trong c\u00f9ng khu v\u1ef1c c\u00f3 chung c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng v\u00e0 c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m t\u01b0\u01a1ng t\u1ef1;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u00e1 tr\u00fang \u0111\u1ea5u gi\u00e1 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t ho\u1eb7c \u0111\u1ea5u th\u1ea7u d\u1ef1 \u00e1n c\u00f3 s\u1eed d\u1ee5ng \u0111\u1ea5t;[6]<\/sup><\/a><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u00e1 b\u1ed3i th\u01b0\u1eddng c\u00e1c d\u1ef1 \u00e1n \u1edf v\u1ecb tr\u00ed, khu v\u1ef1c t\u01b0\u01a1ng t\u1ef1 (tr\u01b0\u1eddng h\u1ee3p gi\u00e1 b\u1ed3i th\u01b0\u1eddng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi gi\u00e1 th\u1ecb tr\u01b0\u1eddng);<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u00e1 do c\u00e1c t\u1ed5 ch\u1ee9c th\u1ea9m \u0111\u1ecbnh gi\u00e1, C\u00f4ng ty b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1eb7c C\u00f4ng ty ki\u1ec3m to\u00e1n \u0111\u1ed9c l\u1eadp x\u00e1c \u0111\u1ecbnh;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u00e1 \u0111\u1ea5t do UBND t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng quy \u0111\u1ecbnh;[7]<\/sup><\/a><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u01a1n gi\u00e1 x\u00e2y d\u1ef1ng, \u0111\u1ea7u t\u01b0, chi ph\u00ed trang b\u1ecb, s\u1eeda ch\u1eefa, n\u00e2ng c\u1ea5p v\u00e0 s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng th\u1ef1c t\u1ebf c\u1ee7a nh\u00e0 \u1edf; c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng kh\u00e1c; v\u01b0\u1eddn c\u00e2y, r\u1eebng c\u00e2y l\u00e2u n\u0103m.<\/p>\n

Trong qu\u00e1 tr\u00ecnh \u0111\u1ecbnh gi\u00e1, c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng lu\u00f4n ph\u1ea3i xem x\u00e9t b\u1ea3n ch\u00ednh gi\u1ea5y t\u1edd t\u00e0i s\u1ea3n, tr\u1ef1c ti\u1ebfp xem x\u00e9t hi\u1ec7n tr\u1ea1ng t\u00e0i s\u1ea3n v\u00e0 th\u1ef1c hi\u1ec7n nhi\u1ec1u c\u00f4ng vi\u1ec7c kh\u00e1c nh\u01b0:<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ch\u1ee5p \u1ea3nh t\u1ed5ng th\u1ec3, vi\u1ec5n c\u1ea3nh, trung c\u1ea3nh, c\u1eadn c\u1ea3nh, m\u1eb7t ti\u1ec1n, \u0111\u01b0\u1eddng giao th\u00f4ng ph\u00eda tr\u01b0\u1edbc, n\u1ed9i th\u1ea5t v\u00e0 c\u00e1c h\u00ecnh \u1ea3nh kh\u00e1c c\u1ea7n thi\u1ebft m\u00f4 t\u1ea3 ch\u00ednh x\u00e1c t\u00ecnh tr\u1ea1ng c\u1ee7a b\u1ea5t \u0111\u1ed9ng s\u1ea3n;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u00ecm hi\u1ec3u th\u00f4ng tin v\u1ec1 quy ho\u1ea1ch s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i khu v\u1ef1c;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ki\u1ec3m ch\u1ee9ng th\u00f4ng tin th\u1ecb tr\u01b0\u1eddng, thu th\u1eadp th\u00eam th\u00f4ng tin th\u1ecb tr\u01b0\u1eddng t\u1ea1i khu v\u1ef1c;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u00ecm hi\u1ec3u th\u00f4ng tin v\u1ec1 t\u00ecnh h\u00ecnh giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1i khu v\u1ef1c;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00e1c \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i v\u00e0 h\u1ea1n ch\u1ebf kh\u00e1c (\u0111i\u1ec1u ki\u1ec7n h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt, h\u1ea1 t\u1ea7ng x\u00e3 h\u1ed9i, phong th\u1ee7y,\u2026);<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 L\u1eadp bi\u00ean b\u1ea3n kh\u1ea3o s\u00e1t hi\u1ec7n tr\u1ea1ng t\u00e0i s\u1ea3n;\u2026<\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng c\u0169ng th\u01b0\u1eddng \u0111\u01b0a ra m\u1ed9t gi\u1edbi h\u1ea1n t\u1ed1i \u0111a \u0111\u1ecbnh gi\u00e1 v\u1edbi t\u1eebng lo\u1ea1i t\u00e0i s\u1ea3n (t\u1ea1i th\u1eddi \u0111i\u1ec3m cho vay), \u0111\u1ed3ng th\u1eddi x\u00e1c \u0111\u1ecbnh t\u1ef7 l\u1ec7 t\u1ed1i \u0111a cho vay th\u01b0\u1eddng th\u1ea5p h\u01a1n t\u1ef7 l\u1ec7 \u0111\u1ecbnh gi\u00e1 (\u0111\u1ec3 d\u1ef1 ph\u00f2ng vi\u1ec7c gi\u1ea3m gi\u00e1 t\u00e0i s\u1ea3n t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1eed l\u00fd t\u00e0i s\u1ea3n sau khi cho vay). V\u00ed d\u1ee5 quy \u0111\u1ecbnh khung v\u1ec1 t\u1ef7 l\u1ec7 \u0111\u1ecbnh gi\u00e1 v\u00e0 t\u1ef7 l\u1ec7 cho vay c\u1ee7a m\u1ed9t Ng\u00e2n h\u00e0ng B. t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u0103m 2012 nh\u01b0 sau:<\/p>\n\n\n\n\n\n\n\n\n\n\n
TT<\/strong><\/td>\nT\u00e0i s\u1ea3n<\/strong><\/td>\nT\u1ef7 l\u1ec7<\/strong><\/p>\n

\u0111\u1ecbnh gi\u00e1<\/strong><\/td>\n

T\u1ef7 l\u1ec7 cho vay<\/strong><\/td>\n<\/tr>\n<\/thead>\n
1<\/td>\nTi\u1ec1n m\u1eb7t k\u00fd qu\u1ef9, s\u1ed1 d\u01b0 tr\u00ean t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, th\u1ebb ti\u1ebft ki\u1ec7m, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng<\/td>\n100%<\/td>\n90%<\/td>\n<\/tr>\n
2<\/td>\nS\u1ed1 d\u01b0 tr\u00ean t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, th\u1ebb ti\u1ebft ki\u1ec7m, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c; t\u00edn phi\u1ebfu kho b\u1ea1c, tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7<\/td>\n90%<\/td>\n80%<\/td>\n<\/tr>\n
3<\/td>\nH\u1ed1i phi\u1ebfu, tr\u00e1i phi\u1ebfu, c\u1ed5 phi\u1ebfu, ch\u1ee9ng ch\u1ec9 qu\u1ef9, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 c\u1ee7a t\u1ed5 ch\u1ee9c kh\u00e1c (kh\u00f4ng ph\u1ea3i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng); v\u00e0ng, b\u1ea1c, b\u1ea1ch kim, kim c\u01b0\u01a1ng, kim kh\u00ed qu\u00fd v\u00e0 \u0111\u00e1 qu\u00fd kh\u00e1c<\/td>\n80%<\/td>\n80%<\/td>\n<\/tr>\n
4<\/td>\nQuy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, nh\u00e0 \u1edf, t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t; t\u00e0u bi\u1ec3n, t\u00e0u bay; h\u00e0ng ho\u00e1 (k\u1ec3 c\u1ea3 nguy\u00ean, nhi\u00ean, v\u1eadt li\u1ec7u, m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb)<\/td>\n70%<\/td>\n70%<\/td>\n<\/tr>\n
5<\/td>\nC\u00e1c ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i kh\u00e1c<\/td>\n60%<\/td>\n70%<\/td>\n<\/tr>\n
6<\/td>\nM\u00e1y m\u00f3c, thi\u1ebft b\u1ecb, d\u00e2y chuy\u1ec1n s\u1ea3n xu\u1ea5t \u0111\u00e3 \u0111\u01b0a v\u00e0o s\u1eed d\u1ee5ng v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c.<\/td>\n50%<\/td>\n70%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ecbnh k\u1ef3 h\u1eb1ng n\u0103m v\u00e0 khi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n, gi\u00e1 c\u1ea3 th\u1ecb tr\u01b0\u1eddng c\u00f3 bi\u1ebfn \u0111\u1ed9ng \u0111\u1ebfn m\u1ed9t m\u1ee9c \u0111\u1ed9 nh\u1ea5t \u0111\u1ecbnh, th\u00ec ng\u00e2n h\u00e0ng c\u0169ng th\u01b0\u1eddng ti\u1ebfn h\u00e0nh \u0111\u1ecbnh gi\u00e1 l\u1ea1i \u0111\u1ec3 xem x\u00e9t, \u0111\u00e1nh gi\u00e1 v\u1ec1 kh\u1ea3 n\u0103ng b\u1ea3o \u0111\u1ea3m an to\u00e0n \u0111\u1ed1i v\u1edbi kho\u1ea3n t\u00edn d\u1ee5ng v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, ki\u1ebfn ngh\u1ecb t\u0103ng, gi\u1ea3m h\u1ea1n m\u1ee9c, thu h\u1ed3i d\u1ea7n n\u1ee3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

2. C\u00e1c n\u1ed9i dung c\u01a1 b\u1ea3n trong \u0111i\u1ec1u – kho\u1ea3n v\u1ec1 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng:<\/strong><\/p>\n

2.1.\u00a0\u00a0\u00a0 N\u1ed9i dung n\u00e0y \u0111\u01b0\u1ee3c x\u1eed l\u00fd r\u1ea5t kh\u00e1c nhau tu\u1ef3 theo bi\u1ec7n ph\u00e1p v\u00e0 lo\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. N\u1ebfu nh\u01b0 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m l\u00e0 k\u00fd qu\u1ef9 v\u00e0 t\u00edn ch\u1ea5p, th\u00ec th\u01b0\u1eddng \u0111\u01b0\u1ee3c ghi nh\u1eadn ngay trong h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng (h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng). C\u00f2n n\u1ebfu bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m l\u00e0 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh, th\u00ec th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00e1ch th\u00e0nh 1 h\u1ee3p \u0111\u1ed3ng ri\u00eang, nh\u1ea5t l\u00e0 tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m. V\u00e0 khi \u0111\u00f3, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u1ec1 c\u1eadp ho\u1eb7c kh\u00f4ng h\u1ec1 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn bi\u1ec7n ph\u00e1p (h\u1ee3p \u0111\u1ed3ng) b\u1ea3o \u0111\u1ea3m. Tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c ghi nh\u1eadn ngay trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, th\u00ec c\u00e1c n\u1ed9i dung v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ch\u1ec9 c\u1ea7n m\u1ed9t \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u0111\u1ed1i ng\u1eafn g\u1ecdn. Tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i t\u00e1ch th\u00e0nh m\u1ed9t h\u1ee3p \u0111\u1ed3ng ri\u00eang, th\u00ec c\u00e1c n\u1ed9i dung v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng ph\u1ee9c t\u1ea1p v\u00e0 nhi\u1ec1u n\u1ed9i dung h\u01a1n h\u1ee3p \u0111\u1ed3ng ch\u00ednh l\u00e0 c\u1ea5p t\u00edn d\u1ee5ng.<\/p>\n

2.2.\u00a0\u00a0\u00a0 \u0110i\u1ec1u kho\u1ea3n v\u1ec1 ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110i\u1ec1u kho\u1ea3n n\u00e0y lu\u00f4n x\u00e1c \u0111\u1ecbnh r\u00f5 \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m l\u00e0 k\u00fd qu\u1ef9, c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p hay b\u1ea3o l\u00e3nh.<\/p>\n

N\u1ed9i dung c\u1ee7a \u0111i\u1ec1u kho\u1ea3n n\u00e0y tho\u1ea3 thu\u1eadn v\u1ec1 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m thay cho b\u00ean vay v\u1ed1n (\u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng). B\u00ean vay v\u1ed1n c\u00f3 th\u1ec3 ch\u00ednh l\u00e0 b\u00ean b\u1ea3o \u0111\u1ea3m ho\u1eb7c b\u00ean th\u1ee9 ba. H\u1ee3p \u0111\u1ed3ng vay v\u1ed1n (t\u00edn d\u1ee5ng) c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t hay m\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 ho\u1eb7c s\u1ebd ph\u00e1t sinh trong m\u1ed9t kho\u1ea3ng th\u1eddi gian n\u00e0o \u0111\u00f3 trong t\u01b0\u01a1ng lai.<\/p>\n

Ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m tr\u1ea3 n\u1ee3 c\u0169ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh bao g\u1ed3m n\u1ee3 g\u1ed1c, l\u00e3i trong h\u1ea1n, l\u00e3i qu\u00e1 h\u1ea1n, ti\u1ec1n ph\u1ea1t, chi ph\u00ed x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c theo c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n

2.3.\u00a0\u00a0\u00a0 \u0110i\u1ec1u kho\u1ea3n v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

N\u1ed9i dung c\u1ee7a \u0111i\u1ec1u kho\u1ea3n n\u00e0y m\u00f4 t\u1ea3 c\u1ee5 th\u1ec3 v\u1ec1 t\u00ean, lo\u1ea1i, \u0111\u1eb7c \u0111i\u1ec3m, \u0111\u1ecba ch\u1ec9, gi\u1ea5y t\u1edd ch\u1ee9ng minh quy\u1ec1n s\u1edf h\u1eefu (quy\u1ec1n s\u1eed d\u1ee5ng), gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Trong \u0111\u00f3, c\u00f3 tho\u1ea3 thu\u1eadn v\u1ec1 hoa l\u1ee3i, l\u1ee3i t\u1ee9c v\u00e0 t\u00e0i s\u1ea3n do \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0, n\u00e2ng c\u1ea5p, b\u1ed5 sung v\u00e0o t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

2.4.\u00a0\u00a0\u00a0 \u0110i\u1ec1u kho\u1ea3n v\u1ec1 qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110i\u1ec1u kho\u1ea3n n\u00e0y th\u01b0\u1eddng tho\u1ea3 thu\u1eadn r\u00f5 v\u1ec1 b\u00ean gi\u1eef t\u00e0i s\u1ea3n (b\u00ean b\u1ea3o \u0111\u1ea3m, b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m hay b\u00ean th\u1ee9 ba).<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 quy\u1ec1n \u0111\u01b0\u1ee3c khai th\u00e1c, s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m; quy\u1ec1n \u0111\u01b0\u1ee3c ki\u1ec3m tra, gi\u00e1m s\u00e1t c\u1ee7a b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean li\u00ean quan.<\/p>\n

2.5.\u00a0\u00a0\u00a0 \u0110i\u1ec1u kho\u1ea3n v\u1ec1 b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110\u1ed1i v\u1edbi nh\u1eefng t\u00e0i s\u1ea3n d\u1ec5 x\u1ea3y ra r\u1ee7i ro, th\u00ec th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u ph\u1ea3i mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t cho t\u00e0i s\u1ea3n, nh\u1ea5t l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n b\u1eaft bu\u1ed9c ph\u1ea3i mua b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt (c\u00f3 kho\u1ea3ng 9 nh\u00f3m t\u00e0i s\u1ea3n ph\u1ea3i mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c). \u0110\u1ed3ng th\u1eddi c\u00e1c b\u00ean c\u0169ng s\u1ebd tho\u1ea3 thu\u1eadn c\u1ee5 th\u1ec3 v\u1ec1 tr\u00e1ch nhi\u1ec7m mua, m\u1ee9c gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m, th\u1eddi \u0111i\u1ec3m mua b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m, c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m, n\u01a1i mua b\u1ea3o hi\u1ec3m.<\/p>\n

Vi\u1ec7c mua b\u1ea3o hi\u1ec3m c\u00f3 2 \u00fd ngh\u0129a, th\u1ee9 nh\u1ea5t l\u00e0 tr\u00e1nh cho t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1ea5t th\u01b0\u1eddng. V\u00e0 \u00fd ngh\u0129a th\u1ee9 hai, ch\u1ee7 y\u1ebfu l\u00e0 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m kh\u1ea3 n\u0103ng b\u00f9 \u0111\u1eafp gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m n\u1ebfu x\u1ea3y ra r\u1ee7i ro t\u1ed5n th\u1ea5t. Do \u0111\u00f3, th\u01b0\u1eddng tho\u1ea3 thu\u1eadn b\u00ean th\u1ee5 h\u01b0\u1edfng b\u1ea3o hi\u1ec3m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 b\u00ean cho vay thay v\u00ec b\u00ean s\u1edf h\u1eefu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

2.6.\u00a0\u00a0\u00a0 \u0110i\u1ec1u kho\u1ea3n v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

C\u00e1c b\u00ean th\u01b0\u1eddng li\u1ec7t k\u00ea kh\u00e1 c\u1ee5 th\u1ec3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u1ee9 t\u1ef1 x\u1eed l\u00fd, th\u1ee9 t\u1ef1 thu h\u1ed3i n\u1ee3. Ri\u00eang th\u1ee9 t\u1ef1 thu h\u1ed3i n\u1ee3 t\u1eeb ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt: Sau khi tr\u1eeb chi ph\u00ed b\u1ea3o qu\u1ea3n, b\u00e1n t\u00e0i s\u1ea3n v\u00e0 c\u00e1c chi ph\u00ed c\u1ea7n thi\u1ebft kh\u00e1c c\u00f3 li\u00ean quan \u0111\u1ec3 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec thanh to\u00e1n cho ng\u00e2n h\u00e0ng theo th\u1ee9 t\u1ef1 n\u1ee3 g\u1ed1c, l\u00e3i, ti\u1ec1n ph\u1ea1t, ti\u1ec1n b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i n\u1ebfu c\u00f3.[8]<\/a> \u0110\u1ed3ng th\u1eddi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng gi\u00e0nh quy\u1ec1n quy\u1ebft \u0111\u1ecbnh l\u1ef1a ch\u1ecdn m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m nh\u01b0 tr\u1ef1c ti\u1ebfp b\u00e1n, u\u1ef7 quy\u1ec1n b\u00e1n, b\u00e1n \u0111\u1ea5u gi\u00e1,\u2026<\/p>\n

V\u00ec vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng r\u1ea5t kh\u00f3 kh\u0103n, t\u1ed1n k\u00e9m, ph\u1ee9c t\u1ea1p, k\u00e9o d\u00e0i, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n, cho n\u00ean nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f2n y\u00eau c\u1ea7u b\u00ean b\u1ea3o \u0111\u1ea3m ph\u1ea3i u\u1ef7 quy\u1ec1n, th\u1eadm ch\u00ed k\u00fd s\u1eb5n h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n cho ng\u00e2n h\u00e0ng (c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a c\u00f4ng ch\u1ee9ng c\u00f9ng th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p) to\u00e0n quy\u1ec1n quy\u1ebft \u0111\u1ecbnh ph\u01b0\u01a1ng th\u1ee9c v\u00e0 gi\u00e1 b\u00e1n t\u00e0i s\u1ea3n.<\/p>\n

Ngo\u00e0i ra, c\u00e1c b\u00ean c\u0169ng tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c qu\u1ea3n l\u00fd, khai th\u00e1c, s\u1eed d\u1ee5ng v\u00e0 thu hoa l\u1ee3i, l\u1ee3i t\u1ee9c t\u1eeb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p trong th\u1eddi gian ch\u1edd x\u1eed l\u00fd.<\/p>\n

3. B\u1ea5t c\u1eadp trong c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 c\u01a1 ch\u1ebf \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt g\u00e2y kh\u00f3 kh\u0103n cho ng\u00e2n h\u00e0ng khi x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, thanh l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/strong><\/p>\n

3.1.\u00a0\u00a0\u00a0 V\u1ec1 th\u1ebf ch\u1ea5p nh\u00e0 \u1edf:<\/p>\n

\u0110i\u1ec1u 114 \u201c\u0110i\u1ec1u ki\u1ec7n th\u1ebf ch\u1ea5p nh\u00e0 \u1edf\u201d, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005 quy \u0111\u1ecbnh: Ch\u1ee7 s\u1edf h\u1eefu nh\u00e0 \u1edf \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n m\u1ed9t ho\u1eb7c nhi\u1ec1u ngh\u0129a v\u1ee5 n\u1ebfu gi\u00e1 tr\u1ecb c\u1ee7a nh\u00e0 \u1edf \u0111\u00f3 l\u1edbn h\u01a1n t\u1ed5ng gi\u00e1 tr\u1ecb c\u00e1c ngh\u0129a v\u1ee5 nh\u01b0ng ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh ho\u00e0n to\u00e0n b\u1ea5t h\u1ee3p l\u00fd \u1edf 2 n\u1ed9i dung, gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n v\u00e0 n\u01a1i nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n

3.2.\u00a0\u00a0\u00a0 V\u1ec1 bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1 v\u00e0 th\u1ebf ch\u1ea5p ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng v\u1eadn t\u1ea3i:<\/p>\n

C\u00f3 s\u1ef1 kh\u00f4ng th\u1ed1ng nh\u1ea5t trong vi\u1ec7c quy \u0111\u1ecbnh v\u1ec1 bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1 v\u00e0 th\u1ebf ch\u1ea5p c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng v\u1eadn t\u1ea3i t\u01b0\u01a1ng t\u1ef1 nhau. B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i n\u0103m 2006 v\u00e0 Lu\u1eadt Thu\u1ef7 s\u1ea3n n\u0103m 2003 ch\u1ec9 quy \u0111\u1ecbnh bi\u1ec7n ph\u00e1p th\u1ebf ch\u1ea5p t\u00e0u bi\u1ec3n v\u00e0 t\u00e0u c\u00e1. Lu\u1eadt H\u00e0ng kh\u00f4ng d\u00e2n d\u1ee5ng Vi\u1ec7t Nam n\u0103m 2006 th\u00ec quy \u0111\u1ecbnh c\u1ea3 2 bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p t\u00e0u bay. Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng thu\u1ef7 n\u0103m 2004, Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng s\u1eaft n\u0103m 2005 th\u00ec kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p t\u00e0u s\u00f4ng, t\u00e0u ho\u1ea3, t\u1ee9c l\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u1ea7m c\u1ed1 hay th\u1ebf ch\u1ea5p tu\u1ef3 thu\u1ed9c v\u00e0o vi\u1ec7c chuy\u1ec3n giao hay kh\u00f4ng chuy\u1ec3n giao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

Ri\u00eang ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9 kh\u00f4ng \u0111\u01b0\u1ee3c Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9 n\u0103m 2008 quy \u0111\u1ecbnh v\u1ec1 bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p l\u00e0 h\u1ee3p l\u00fd, v\u00ec c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1 hay th\u1ebf ch\u1ea5p.<\/p>\n

3.3.\u00a0\u00a0\u00a0 V\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a h\u1ed9 gia \u0111\u00ecnh:<\/p>\n

T\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a h\u1ed9 gia \u0111\u00ecnh theo quy \u0111\u1ecbnh ph\u1ea3i \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh vi\u00ean trong h\u1ed9 gia \u0111\u00ecnh t\u1eeb \u0111\u1ee7 15 tu\u1ed5i tr\u1edf l\u00ean (theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1) ho\u1eb7c t\u1eeb \u0111\u1ee7 18 tu\u1ed5i tr\u1edf l\u00ean (theo ph\u00e1p lu\u1eadt \u0111\u1ea5t \u0111ai) \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n. Tuy nhi\u00ean, vi\u1ec7c x\u00e1c \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 th\u00e0nh vi\u00ean c\u1ee7a h\u1ed9 gia \u0111\u00ecnh l\u00e0 \u0111i\u1ec1u r\u1ea5t kh\u00f3 kh\u0103n, v\u00ec ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd. Nguy c\u01a1 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p (\u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p) b\u1ecb v\u00f4 hi\u1ec7u l\u00e0 r\u1ea5t l\u1edbn.[9]<\/sup><\/a><\/p>\n

3.4.\u00a0\u00a0\u00a0 V\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai:<\/p>\n

Hi\u1ec7n nay, tr\u1eeb quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, c\u00f2n nh\u00e0 \u1edf v\u00e0 c\u00e1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00e1c, tuy \u0111\u00e3 hi\u1ec7n h\u1eefu t\u1eeb nhi\u1ec1u n\u0103m, nh\u01b0ng v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. \u0110\u1eb7c bi\u1ec7t l\u00e0 ngay c\u1ea3 t\u00e0i s\u1ea3n ch\u01b0a h\u1ec1 h\u00ecnh th\u00e0nh tr\u00ean th\u1ef1c t\u1ebf v\u1eabn \u0111\u01b0\u1ee3c coi l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5.<\/p>\n

Nh\u1eadn th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai l\u00e0 \u0111\u00fang lu\u1eadt, nh\u01b0ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c b\u1ea3n ch\u1ea5t c\u1ee7a giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, v\u00ec nh\u01b0 v\u1eady c\u00f3 th\u1ec3 b\u1ea3o \u0111\u1ea3m (n\u1ebfu c\u00f3 th\u1ec3 quy \u0111\u1ed5i ngay th\u00e0nh ti\u1ec1n) nh\u01b0ng c\u0169ng r\u1ea5t c\u00f3 th\u1ebf kh\u00f4ng h\u1ec1 c\u00f3 b\u1ea3o \u0111\u1ea3m (n\u1ebfu ch\u01b0a th\u1ec3 quy \u0111\u1ed5i ngay th\u00e0nh ti\u1ec1n, th\u1eadm ch\u00ed t\u00e0i s\u1ea3n kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh xong).[10]<\/sup><\/a><\/p>\n

Ngo\u00e0i ra, \u0111\u1ec1u \u0111\u01b0\u1ee3c coi l\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, nh\u01b0ng nh\u00e0 \u1edf \u0111ang x\u00e2y d\u1ef1ng, th\u00ec \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, mua b\u00e1n,[11]<\/sup><\/a> c\u00f2n khi \u0111\u00e3 x\u00e2y xong v\u00e0 b\u00e0n giao \u0111\u01b0a v\u00e0o s\u1eed d\u1ee5ng, nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu, th\u00ec l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p, mua b\u00e1n.[12]<\/sup><\/a><\/p>\n

3.5.\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c:<\/p>\n

H\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch r\u1ea5t ph\u1ed5 bi\u1ebfn v\u00e0 h\u1ee3p ph\u00e1p, h\u1ee3p l\u00fd t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng. Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf \u0111ang x\u1ea3y ra m\u00e2u thu\u1eabn v\u00e0 r\u1ee7i ro ph\u00e1p l\u00fd r\u1ea5t \u0111\u00e1ng lo ng\u1ea1i. L\u00fd do l\u00e0 c\u00f2n r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi, k\u1ec3 c\u1ea3 c\u00e1c th\u1ea9m ph\u00e1n, chuy\u00ean gia ph\u00e1p l\u00fd, hi\u1ec3u sai quy \u0111\u1ecbnh v\u1ec1 bi\u1ec7n ph\u00e1p b\u1ea3o l\u00e3nh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 theo quy \u0111\u1ecbnh c\u0169 trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995, t\u1ee9c l\u00e0 v\u1eabn c\u00f2n b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a b\u00ean th\u1ee9 ba. Th\u1eadm ch\u00ed, c\u00f3 \u00fd ki\u1ebfn c\u00f2n cho r\u1eb1ng kho\u1ea3n 4, \u0110i\u1ec1u 72 \u201cHi\u1ec7u l\u1ef1c thi h\u00e0nh\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m quy \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn thi h\u00e0nh B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: \u201cVi\u1ec7c b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1eed d\u1ee5ng r\u1eebng, quy\u1ec1n s\u1edf h\u1eefu r\u1eebng s\u1ea3n xu\u1ea5t l\u00e0 r\u1eebng tr\u1ed3ng theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 181\/2004\/N\u0110-CP ng\u00e0y 29 th\u00e1ng 10 n\u0103m 2004 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 thi h\u00e0nh Lu\u1eadt \u0110\u1ea5t \u0111ai, quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 5 \u0110i\u1ec1u 32, kho\u1ea3n 4 \u0110i\u1ec1u 33, kho\u1ea3n 4 \u0110i\u1ec1u 34, kho\u1ea3n 4 \u0110i\u1ec1u 35 v\u00e0 kho\u1ea3n 1 \u0110i\u1ec1u 36 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 23\/2006\/N\u0110-CP ng\u00e0y 03 th\u00e1ng 3 n\u0103m 2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 thi h\u00e0nh Lu\u1eadt B\u1ea3o v\u1ec7 v\u00e0 ph\u00e1t tri\u1ec3n r\u1eebng v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn thi h\u00e0nh \u0111\u01b0\u1ee3c chuy\u1ec3n th\u00e0nh vi\u1ec7c \u201cth\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1eed d\u1ee5ng r\u1eebng, quy\u1ec1n s\u1edf h\u1eefu r\u1eebng s\u1ea3n xu\u1ea5t l\u00e0 r\u1eebng tr\u1ed3ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c<\/em>\u201d l\u00e0 \u0111\u00e1nh tr\u00e1o kh\u00e1i ni\u1ec7m b\u1ea3o l\u00e3nh th\u00e0nh th\u1ebf ch\u1ea5p v\u00e0 l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng Ngh\u1ecb \u0111\u1ecbnh \u201c\u0111\u00e8\u201d l\u00ean lu\u1eadt.[13]<\/sup><\/a><\/p>\n

V\u00e0 v\u1ea5n \u0111\u1ec1 kh\u00f4ng ch\u1ec9 c\u00f2n d\u1eebng l\u1ea1i \u1edf quan \u0111i\u1ec3m, nh\u1eadn th\u1ee9c, m\u00e0 \u0111\u00e3 b\u1ecb To\u00e0 \u00e1n \u0111\u1ecbnh \u0111o\u1ea1t ph\u00e1p l\u00fd qua m\u1ed9t s\u1ed1 b\u1ea3n \u00e1n. Th\u00e1ng 8-2011, TAND t\u1ec9nh Qu\u1ea3ng Ng\u00e3i \u0111\u00e3 tuy\u00ean 2 H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c t\u1ea1i Ng\u00e2n h\u00e0ng TMCP Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam (Vietcombank) v\u00e0 Ng\u00e2n h\u00e0ng TMCP Qu\u00e2n \u0111\u1ed9i (MB) l\u00e0 v\u00f4 hi\u1ec7u, v\u00ec cho r\u1eb1ng n\u1ebfu \u0111\u00fang ph\u00e1p lu\u1eadt th\u00ec ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh.[14]<\/sup><\/a> Th\u00e1ng 10-2011, To\u00e0 Ph\u00fac th\u1ea9m TANDTC t\u1ea1i \u0110\u00e0 N\u1eb5ng \u0111\u00e3 y \u00e1n s\u01a1 th\u1ea9m c\u1ee7a TAND t\u1ec9nh Qu\u1ea3ng Ng\u00e3i, trong \u0111\u00f3 nh\u1eadn \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng c\u0103n c\u1ee9 ph\u00e1p l\u00fd v\u1ec1 h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.[15]<\/sup><\/a><\/p>\n

Th\u00e1ng 4-2012, T\u00f2a Ph\u00fac th\u1ea9m TANDTC t\u1ea1i TP HCM \u0111\u00e3 s\u1eeda m\u1ed9t B\u1ea3n \u00e1n s\u01a1 th\u1ea9m: C\u00f4ng nh\u1eadn h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u00f3 hi\u1ec7u l\u1ef1c (tr\u01b0\u1edbc \u0111\u00f3 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u), tuy nhi\u00ean v\u1eabn nh\u1eadn \u0111\u1ecbnh \u201cH\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh\u201d l\u00e0 H\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh, t\u1ee9c l\u00e0 v\u1eabn kh\u00f4ng c\u00f4ng nh\u1eadn h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba.[16]<\/sup><\/a> T\u01b0\u01a1ng t\u1ef1, trong n\u0103m 2012, c\u00f3 2 B\u1ea3n \u00e1n c\u1ee7a To\u00e0 Ph\u00fac th\u1ea9m TANDTC t\u1ea1i \u0110\u00e0 N\u1eb5ng, tuy \u0111\u00e3 s\u1eeda \u00e1n s\u01a1 th\u1ea9m, c\u00f4ng nh\u1eadn h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u1ea1i Vietcombank v\u00e0 MB n\u00f3i tr\u00ean l\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c, nh\u01b0ng v\u1eabn nh\u1eadn \u0111\u1ecbnh: H\u1ee3p \u0111\u1ed3ng s\u1eed d\u1ee5ng t\u1eeb ng\u1eef \u1edf ph\u1ea7n ti\u00eau \u0111\u1ec1 H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, l\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c chu\u1ea9n x\u00e1c.[17]<\/sup><\/a> Th\u1ea1c s\u0129 L\u00ea Th\u1ecb B\u00edch Lan, th\u1ea9m ph\u00e1n TAND th\u00e0nh ph\u1ed1 H\u00e0 N\u1ed9i c\u0169ng cho r\u1eb1ng ph\u1ea3i g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh thay v\u00ec h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c.[18]<\/sup><\/a><\/p>\n

Trong khi \u0111\u00f3, v\u00ec theo \u0111\u00fang tinh th\u1ea7n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, c\u00e1c c\u01a1 quan c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p ch\u1ec9 ch\u1ea5p nh\u1eadn h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, ch\u1ee9 kh\u00f4ng ch\u1ea5p nh\u1eadn h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n n\u00f3i chung v\u00e0 b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u00f3i ri\u00eang.<\/p>\n

H\u1eadu qu\u1ea3 l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng l\u00e0m ki\u1ec3u g\u00ec c\u0169ng sai v\u00e0 nguy c\u01a1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u v\u1eabn l\u01a1 l\u1eedng \u0111\u1ed1i v\u1edbi h\u00e0ng v\u1ea1n h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p. N\u1ebfu c\u1ee9 theo quan \u0111i\u1ec3m ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh c\u1ee7a To\u00e0 \u00e1n, th\u00ec h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng d\u01b0 n\u1ee3 c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 s\u1ebd b\u1ecb th\u1ea5t tho\u00e1t do kh\u00f4ng c\u00f2n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, v\u00ec h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p b\u1ecb v\u00f4 hi\u1ec7u.<\/p>\n

3.6.\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p:<\/p>\n

Nhi\u1ec1u quan \u0111i\u1ec3m cho r\u1eb1ng, ch\u1ec9 ch\u1ea5p nh\u1eadn h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ec3 vay v\u1ed1n cho ch\u00ednh ng\u01b0\u1eddi u\u1ef7 quy\u1ec1n, ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n hay ng\u01b0\u1eddi kh\u00e1c.<\/p>\n

Th\u00e1ng 5-2009, To\u00e0 ph\u00fac th\u1ea9m TAND t\u1ea1i HCM \u0111\u00e3 tuy\u00ean H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p do ch\u1ecb T. k\u00fd theo u\u1ef7 quy\u1ec1n c\u1ee7a cha m\u1eb9 ch\u1ed3ng l\u00e0 v\u00f4 hi\u1ec7u, v\u00ec kh\u00f4ng c\u00f3 ch\u1eef k\u00fd c\u1ee7a cha m\u1eb9 ch\u1ed3ng ch\u1ecb T. tr\u00ean H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p.[19]<\/sup><\/a><\/p>\n

T\u00e1c gi\u1ea3 Nguy\u1ec5n V\u0103n B\u01b0\u1eddng, Th\u1ea9m ph\u00e1n To\u00e0 Ph\u00fac th\u1ea9m TANDTC t\u1ea1i \u0110\u00e0 N\u1eb5ng trong b\u00e0i \u201cH\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n, nh\u1eefng v\u1ea5n \u0111\u1ec1 l\u00fd lu\u1eadn v\u00e0 th\u1ef1c ti\u1ec5n \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt\u201d, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u1ec9 TAND s\u1ed1 8\/4-2010 \u0111\u00e3 nh\u1eadn \u0111\u1ecbnh: \u00d4ng Th. u\u1ef7 quy\u1ec1n cho \u00f4ng D. th\u1ebf ch\u1ea5p \u0111\u1ea5t c\u1ee7a m\u00ecnh \u0111\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng, nh\u01b0ng \u00f4ng D. \u0111\u00e3 th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n cho m\u00ecnh v\u00e0 Ng\u00e2n h\u00e0ng \u0111\u00e3 tu\u1ef3 ti\u1ec7n cho \u00f4ng D. vay l\u00e0 v\u1eeba tr\u00e1i h\u00ecnh th\u1ee9c, v\u1eeba tr\u00e1i n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n. \u00d4ng D. ch\u1ec9 c\u00f3 th\u1ec3 th\u1ebf ch\u1ea5p cho \u00f4ng Th. vay. Vi\u1ec7c ch\u1ea5p nh\u1eadn cho ph\u00e9p u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p vay v\u1ed1n nh\u01b0 v\u1eady l\u00e0 s\u1ef1 nh\u1eadn th\u1ee9c kh\u00f4ng \u0111\u00fang c\u1ee7a \u00f4ng Th., c\u00f4ng ch\u1ee9ng, ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u01a1 quan t\u1ed1 t\u1ee5ng.<\/p>\n

T\u00e1c gi\u1ea3 \u0110\u1eb7ng V\u0103n H\u01b0ng, To\u00e0 D\u00e2n s\u1ef1, TANDTC trong b\u00e0i \u201c\u00c1p d\u1ee5ng ph\u00e1p lu\u1eadt trong th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch v\u1ec1 \u0111\u1ea1i di\u1ec7n, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o l\u00e3nh\u201d, \u0111\u0103ng tr\u00ean T\u1ea1p ch\u00ed TAND s\u1ed1 4\/2-2012 c\u0169ng c\u00f3 quan \u0111i\u1ec3m t\u01b0\u01a1ng t\u1ef1.<\/p>\n

S\u1ee9c \u00e9p c\u1ee7a nh\u1eefng quan \u0111i\u1ec3m ki\u1ec3u tr\u00ean, c\u1ed9ng v\u1edbi m\u1ed9t s\u1ed1 v\u1ee5 l\u1eeba \u0111\u1ea3o th\u00f4ng qua vi\u1ec7c u\u1ef7 quy\u1ec1n, \u0111\u00e3 d\u1eabn \u0111\u1ebfn vi\u1ec7c ban h\u00e0nh C\u00f4ng v\u0103n s\u1ed1 627 ng\u00e0y 23-5-2012 c\u1ee7a S\u1edf T\u01b0 ph\u00e1p th\u00e0nh ph\u1ed1 \u0110\u00e0 N\u1eb5ng, trong \u0111\u00f3 y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c c\u00f4ng ch\u1ee9ng: “trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, k\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p c\u00f3 u\u1ef7 quy\u1ec1n c\u00e1c t\u1ed5 ch\u1ee9c h\u00e0nh ngh\u1ec1 c\u00f4ng ch\u1ee9ng ph\u1ea3i y\u00eau c\u1ea7u ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n c\u00f3 m\u1eb7t \u0111\u1ec3 ki\u1ec3m tra v\u00e0 cho \u00fd ki\u1ebfn tr\u1ef1c ti\u1ebfp khi k\u00fd h\u1ed3 s\u01a1 c\u00f4ng ch\u1ee9ng<\/em>“. Tuy nhi\u00ean, vi\u1ec7c h\u01b0\u1edbng d\u1eabn tr\u00e1i lu\u1eadt v\u00e0 tr\u00e1i th\u1ef1c t\u1ebf n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c b\u00e3i b\u1ecf ngay sau \u0111\u00f3.<\/p>\n

3.7.\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c m\u1ed9t ng\u01b0\u1eddi \u0111\u1ed3ng th\u1eddi k\u00fd v\u1edbi 2 t\u01b0 c\u00e1ch trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110\u00e2y l\u00e0 tr\u01b0\u1eddng h\u1ee3p kh\u00e1 ph\u1ed5 bi\u1ebfn, khi m\u1ed9t ng\u01b0\u1eddi \u0111\u1ed3ng th\u1eddi k\u00fd v\u1edbi 2 t\u01b0 c\u00e1ch, b\u00ean b\u1ea3o \u0111\u1ea3m v\u00e0 B\u00ean vay v\u1ed1n trong m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay.<\/p>\n

Ch\u1ee7 t\u1ecbch ho\u1eb7c gi\u00e1m \u0111\u1ed1c m\u1ed9t c\u00f4ng ty, l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a doanh nghi\u1ec7p mang t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh \u0111\u1ec3 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p b\u1ea3o \u0111\u1ea3m cho kho\u1ea3n vay c\u1ee7a c\u00f4ng ty l\u00e0 m\u1ed9t vi\u1ec7c l\u00e0m ho\u00e0n to\u00e0n h\u1ee3p ph\u00e1p, ch\u00ednh \u0111\u00e1ng. H\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c k\u00fd gi\u1eefa 2 b\u00ean, ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n l\u00e0 c\u00e1 nh\u00e2n v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho kho\u1ea3n vay c\u1ee7a c\u00f4ng ty th\u00ec l\u00e0 ho\u00e0n to\u00e0n b\u00ecnh th\u01b0\u1eddng. N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c k\u00fd gi\u1eefa 3 b\u00ean, t\u1ee9c l\u00e0 \u0111\u01b0a th\u00eam c\u00f4ng ty v\u1edbi t\u01b0 c\u00e1ch l\u00e0 b\u00ean vay v\u1ed1n v\u00e0o, th\u00ec c\u00e0ng \u0111\u1ea7y \u0111\u1ee7, r\u00f5 r\u00e0ng, minh b\u1ea1ch v\u00e0 ch\u1eafc ch\u1eafn h\u01a1n. Tuy nhi\u00ean l\u1ea1i b\u1ecb nhi\u1ec1u ng\u01b0\u1eddi coi l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 5, \u0110i\u1ec1u 144 \u201cPh\u1ea1m vi \u0111\u1ea1i di\u1ec7n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh: \u201cNg\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 v\u1edbi ch\u00ednh m\u00ecnh ho\u1eb7c v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba m\u00e0 m\u00ecnh c\u0169ng l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>.\u201d \u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh c\u1ea7n thi\u1ebft v\u00e0 h\u1ee3p l\u00fd trong c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 n\u00f3i chung \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng l\u1ee3i d\u1ee5ng tr\u1ee5c l\u1ee3i ho\u1eb7c \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1c b\u00ean tham gia quan h\u1ec7 d\u00e2n s\u1ef1 n\u00f3i chung. Do ch\u01b0a c\u00f3 \u201cquy \u0111\u1ecbnh kh\u00e1c\u201d l\u00e0 th\u1ebf n\u00e0o, n\u00ean \u0111i\u1ec1u c\u1ea5m n\u00e0y \u0111\u00e3 b\u1ecb hi\u1ec3u m\u1ed9t c\u00e1ch qu\u00e1 m\u00e1y m\u00f3c \u0111\u1ed1i v\u1edbi giao d\u1ecbch b\u1ea3o \u0111\u1ea3m vay v\u1ed1n ng\u00e2n h\u00e0ng, d\u1eabn \u0111\u1ebfn \u0111\u00e3 c\u00f3 b\u1ea3n \u00e1n tuy\u00ean v\u00f4 hi\u1ec7u giao d\u1ecbch b\u1ea3o \u0111\u1ea3m trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y v\u00e0 h\u00e0ng v\u1ea1n h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m kh\u00e1c lu\u00f4n n\u01a1m n\u1edbp nh\u01b0 c\u00e1 n\u1eb1m tr\u00ean th\u1edbt tr\u01b0\u1edbc nguy c\u01a1 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u.<\/p>\n

Th\u1ef1c t\u1ebf hi\u1ec7n nay \u0111\u00e0nh ch\u1ec9 \u0111\u1ec3 2 b\u00ean k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m 3 b\u00ean. Ho\u1eb7c l\u1ea1i ph\u1ea3i l\u00e1ch lu\u1eadt b\u1eb1ng c\u00e1ch gi\u00e1m \u0111\u1ed1c bu\u1ed9c ph\u1ea3i u\u1ef7 quy\u1ec1n cho ph\u00f3 gi\u00e1m \u0111\u1ed1c c\u00f4ng ty k\u00fd ho\u1eb7c ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n \u0111\u00e0nh ph\u1ea3i u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c k\u00fd h\u1ed9 m\u00ecnh. B\u1ea3n ch\u1ea5t th\u00ec v\u1eabn kh\u00f4ng c\u00f3 g\u00ec thay \u0111\u1ed5i, nh\u01b0ng l\u1ea1i \u201cqua m\u1eb7t\u201d \u0111\u01b0\u1ee3c nh\u1eefng ng\u01b0\u1eddi theo tr\u01b0\u1eddng ph\u00e1i v\u00f4 hi\u1ec7u.<\/p>\n

3.8.\u00a0\u00a0\u00a0 V\u1ec1 c\u00e1c th\u1ee7 t\u1ee5c b\u1eaft bu\u1ed9c trong giao d\u1ecbch th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n:<\/p>\n

Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, vi\u1ec7c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf v\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t b\u1eaft bu\u1ed9c \u0111\u1ed3ng th\u1eddi ph\u1ea3i c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, ngo\u00e0i ra ph\u1ea3i b\u00e0n giao b\u1ea3n ch\u00ednh gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Vi\u1ec7c n\u00e0y g\u00e2y ph\u1ee9c t\u1ea1p, t\u1ed1n k\u00e9m kh\u00f4ng c\u1ea7n thi\u1ebft, trong khi c\u0169ng ch\u1eb3ng an to\u00e0n h\u01a1n, hi\u1ec7u qu\u1ea3 h\u01a1n tr\u00ean th\u1ef1c t\u1ebf. N\u1ebfu nh\u01b0 ph\u00e1p lu\u1eadt th\u1ef1c s\u1ef1 mu\u1ed1n b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ngay th\u1eadt, kh\u00f4ng dung t\u00fang cho c\u00e1c h\u00e0nh vi gian l\u1eadn, l\u1eeba \u0111\u1ea3o, th\u00ec ch\u1ec9 c\u1ea7n quy \u0111\u1ecbnh b\u00ean n\u00e0o th\u1ef1c s\u1ef1 \u0111\u00e3 c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p tr\u01b0\u1edbc l\u00e0 c\u00f3 quy\u1ec1n \u01b0u ti\u00ean. Nh\u01b0ng ph\u00e1p lu\u1eadt \u0111\u00e3 g\u00e2y nhi\u1ec5u lo\u1ea1n, v\u00f4 t\u00ecnh ti\u1ebfp tay cho nh\u1eefng k\u1ebb giao d\u1ecbch l\u1eadt l\u1ecdng, b\u1ed9i \u01b0\u1edbc, th\u1eadm ch\u00ed ph\u1ea1m t\u1ed9i b\u1eb1ng quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng, nh\u01b0ng l\u1ea1i v\u00f4 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd. Giao d\u1ecbch c\u00f4ng ch\u1ee9ng sau d\u00f9 c\u00f3 b\u1ea5t h\u1ee3p ph\u00e1p, ph\u1ee7 nh\u1eadn, c\u01b0\u1edbp \u0111o\u1ea1t giao d\u1ecbch c\u00f4ng ch\u1ee9ng h\u1ee3p ph\u00e1p, t\u1ef1 nguy\u1ec7n tr\u01b0\u1edbc \u0111\u00f3, nh\u01b0ng n\u1ebfu nh\u01b0 nhanh tay \u0111\u0103ng k\u00fd \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p tr\u01b0\u1edbc, th\u00ec l\u1ea1i tr\u1edf th\u00e0nh h\u1ee3p ph\u00e1p v\u00e0 l\u1ea1i \u0111\u01b0\u1ee3c quy\u1ec1n \u01b0u ti\u00ean h\u01a1n. \u0110\u00fang ra, \u0111i\u1ec1u n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn duy nh\u1ea5t trong m\u1ed9t tr\u01b0\u1eddng h\u1ee3p, \u0111\u00f3 l\u00e0 khi ng\u01b0\u1eddi nh\u1eadn th\u1ebf ch\u1ea5p tr\u01b0\u1edbc cho ph\u00e9p ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p cho ng\u01b0\u1eddi kh\u00e1c (s\u1eb5n s\u00e0ng san s\u1ebb hay hy sinh v\u00ec l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi nh\u1eadn th\u1ebf ch\u1ea5p sau).<\/p>\n

C\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p ch\u1ec9 th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a ph\u00e1p l\u00fd, n\u1ebfu nh\u01b0 c\u00f3 giao d\u1ecbch kh\u00e1c tr\u00f9ng l\u1eb7p d\u1eabn \u0111\u1ebfn xung \u0111\u1ed9t quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5. Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf x\u00e9t x\u1eed, d\u00f9 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ch\u1ec9 li\u00ean quan \u0111\u1ebfn m\u1ed9t ch\u1ee7 n\u1ee3 v\u00e0 m\u1ed9t con n\u1ee3, kh\u00f4ng h\u1ec1 xu\u1ea5t hi\u1ec7n ng\u01b0\u1eddi th\u1ee9 ba, nh\u01b0ng n\u1ebfu h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p kh\u00f4ng c\u00f4ng ch\u1ee9ng th\u00ec s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u v\u00e0 kh\u00f4ng \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p th\u00ec c\u0169ng b\u1ecb v\u00f4 hi\u1ec7u.<\/p>\n

B\u1eaft bu\u1ed9c ph\u1ea3i l\u00e0m, c\u00f9ng nhau tho\u1ea3 thu\u1eadn lo\u1ea1i tr\u1eeb m\u1ecdi giao d\u1ecbch kh\u00e1c, nh\u01b0ng l\u1ea1i b\u1ecb quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n \u01b0u ti\u00ean \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u ho\u00e1. Kh\u00f4ng th\u1ebf ch\u1ea5p nh\u1eadn 2-3 th\u1ee9 th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd b\u1eaft bu\u1ed9c, nh\u01b0ng r\u1ed3i l\u1ea1i xung \u0111\u1ed9t nhau, nh\u1ea5t l\u00e0 tr\u01b0\u1eddng h\u1ee3p b\u00ean n\u00e0y c\u00f4ng ch\u1ee9ng \u0111\u00fang nh\u01b0ng \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p sai v\u00e0 b\u00ean kia th\u00ec \u0111\u0103ng k\u00fd \u0111\u00fang, nh\u01b0ng l\u1ea1i c\u00f4ng ch\u1ee9ng sai. V\u00ec v\u1eady c\u1ea7n b\u1ecf m\u1ed9t trong 2 th\u1ee7 t\u1ee5c b\u1eaft bu\u1ed9c, v\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 b\u1ecf c\u00f4ng ch\u1ee9ng b\u1eaft bu\u1ed9c.[20]<\/sup><\/a> V\u00e0 th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, d\u00f9 t\u1ef1 nguy\u1ec7n hay b\u1eaft bu\u1ed9c c\u0169ng ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba, ch\u1ee9 kh\u00f4ng nh\u01b0 \u0111i\u1ec1u b\u1ea5t c\u1eadp d\u01b0\u1edbi \u0111\u00e2y.<\/p>\n

3.9.\u00a0 \u00a0 V\u1ec1 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/p>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 122 \u201c\u0110i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh: \u201cH\u00ecnh th\u1ee9c giao d\u1ecbch d\u00e2n s\u1ef1 l\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch trong tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh<\/em>.\u201d \u0110o\u1ea1n 2, kho\u1ea3n 2, \u0110i\u1ec1u 401 \u201cH\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169ng quy \u0111\u1ecbnh \u201cH\u1ee3p \u0111\u1ed3ng kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 vi ph\u1ea1m v\u1ec1 h\u00ecnh th\u1ee9c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>.\u201d Kho\u1ea3n 3, \u0110i\u1ec1u 323 \u201c\u0110\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh \u201cTr\u01b0\u1eddng h\u1ee3p giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt th\u00ec giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u00f3 c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba, k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m \u0111\u0103ng k\u00fd<\/em>.\u201d<\/p>\n

Ch\u1ec9 th\u1ea5y c\u00e1c quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m tuy nhi\u00ean ch\u01b0a th\u1ea5y quy \u0111\u1ecbnh n\u00e0o kh\u1eb3ng \u0111\u1ecbnh vi\u1ec7c kh\u00f4ng c\u00f4ng ch\u1ee9ng hay kh\u00f4ng \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m th\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ecb v\u00f4 hi\u1ec7u. Do \u0111\u00f3, h\u1ee3p \u0111\u1ed3ng kh\u00f4ng c\u00f4ng ch\u1ee9ng c\u0169ng kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u v\u00e0 kh\u00f4ng \u0111\u0103ng k\u00fd giao d\u1ecbch b\u00e0o \u0111\u1ea3m th\u00ec c\u0169ng kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u, m\u00e0 ch\u1ec9 kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba (v\u1eabn c\u00f3 hi\u1ec7u l\u1ef1c \u0111\u1ed1i v\u1edbi c\u00e1c b\u00ean tham gia giao d\u1ecbch). Tuy nhi\u00ean, th\u1ef1c t\u1ebf x\u00e9t x\u1eed, c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng v\u00e0 b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u1ec1u b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u, n\u1ebfu nh\u01b0 kh\u00f4ng th\u1ef1c hi\u1ec7n 1 trong 2 th\u1ee7 t\u1ee5c n\u00e0y.<\/p>\n

Th\u1ebf th\u00ec kh\u00f4ng th\u1ec3 hi\u1ec3u n\u1ed5i, th\u1ee7 t\u1ee5c b\u1eaft bu\u1ed9c c\u00f4ng ch\u1ee9ng th\u00ec c\u00f3 gi\u00e1 tr\u1ecb v\u1edbi b\u00ean n\u00e0o v\u00e0 th\u1ee7 t\u1ee5c b\u1eaft bu\u1ed9c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p th\u00ec c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 ch\u1ec9 \u201cc\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba\u201d, m\u00e0 l\u00e0 c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ee9 nh\u1ea5t v\u00e0 ng\u01b0\u1eddi th\u1ee9 hai. Nh\u01b0 v\u1eady th\u00ec kh\u00e1c n\u00e0o m\u1ecdi s\u1ef1 tho\u1ea3 thu\u1eadn t\u1ef1 do, t\u1ef1 nguy\u1ec7n \u00fd ch\u00ed c\u1ee7a hai b\u00ean giao d\u1ecbch th\u1ebf ch\u1ea5p \u0111\u1ec1u tr\u1edf th\u00e0nh v\u00f4 ngh\u0129a, v\u00f4 gi\u00e1 tr\u1ecb. Ch\u1ec9 c\u00f3 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh m\u1edbi c\u00f3 \u00fd ngh\u0129a, c\u00f3 gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi giao d\u1ecbch d\u00e2n s\u1ef1 n\u00f3i chung v\u00e0 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m n\u00f3i ri\u00eang.<\/p>\n

3.10.\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p t\u1ea1i B\u1ed9 T\u01b0 ph\u00e1p:<\/p>\n

Vi\u1ec7c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p t\u1ea1i Trung t\u00e2m \u0111\u0103ng k\u00fd giao d\u1ecbch v\u00e0 t\u00e0i s\u1ea3n, C\u1ee5c \u0110\u0103ng k\u00fd qu\u1ed1c gia giao d\u1ecbch b\u1ea3o \u0111\u1ea3m (B\u1ed9 T\u01b0 ph\u00e1p), tuy r\u1ea5t nhanh ch\u00f3ng, thu\u1eadn ti\u1ec7n, nh\u01b0ng \u00fd ngh\u0129a t\u00e1c d\u1ee5ng c\u00f2n nhi\u1ec1u h\u1ea1n ch\u1ebf. V\u00ec \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p ch\u1ee7 y\u1ebfu l\u00e0 h\u00e0ng ho\u00e1 n\u00ean kh\u00f4ng b\u1ea3o \u0111\u1ea3m c\u01a1 s\u1edf ph\u00e1p l\u00fd c\u0169ng nh\u01b0 th\u1ef1c t\u1ebf khi ph\u1ea3i x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, nh\u1ea5t l\u00e0 tr\u01b0\u1eddng h\u1ee3p nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f9ng nh\u1eadn th\u1ebf ch\u1ea5p m\u1ed9t l\u00f4 h\u00e0ng, kho h\u00e0ng c\u00f9ng lo\u1ea1i.<\/p>\n

V\u00ed d\u1ee5, C\u00f4ng ty TNHH Ch\u1ebf bi\u1ebfn th\u1ee7y s\u1ea3n An Khang (C\u1ea7n Th\u01a1), th\u1ebf ch\u1ea5p h\u00e0ng h\u00f3a t\u1ed3n kho lu\u00e2n chuy\u1ec3n l\u00e0 c\u00e1 tra v\u00e0 ch\u1ea3 c\u00e1 \u0111\u00f4ng l\u1ea1nh trong 2 kho h\u00e0ng, \u0111\u1ec3 vay 350 t\u1ef7 \u0111\u1ed3ng v\u1ed1n l\u01b0u \u0111\u1ed9ng trong th\u1eddi gian 2010 – 2011. Trong v\u1ee5 n\u00e0y c\u00f3 5 ng\u00e2n h\u00e0ng c\u00f9ng nh\u1eadn th\u1ebf ch\u1ea5p h\u00e0ng ho\u00e1, nh\u01b0ng cu\u1ed1i c\u00f9ng kh\u00f4ng ng\u00e2n h\u00e0ng n\u00e0o \u0111\u01b0\u1ee3c quy\u1ec1n \u01b0u ti\u00ean thanh to\u00e1n, v\u00ec t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u00e3 b\u1ecb g\u00e1n n\u1ee3 cho c\u00e1c h\u1ed9 gia \u0111\u00ecnh b\u00e1n c\u00e1 tra nguy\u00ean li\u1ec7u cho C\u00f4ng ty An Khang. Hay v\u1ee5 C\u00f4ng ty TNHH C\u00f4ng nghi\u1ec7p th\u01b0\u01a1ng m\u1ea1i Th\u00e1i S\u01a1n (H\u1ea3i Ph\u00f2ng) vay 1.312 t\u1ef7 \u0111\u1ed3ng t\u1ea1i 13 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u1ebf ch\u1ea5p l\u00f4 h\u00e0ng 1.200 t\u1ea5n th\u00e9p cho 12 ng\u00e2n h\u00e0ng trong n\u0103m 2012, c\u0169ng g\u1ea7n nh\u01b0 kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c quy\u1ec1n \u01b0u ti\u00ean \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

3.11. V\u1ec1 tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 sau khi b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110i\u1ec1u 338 \u201cThanh to\u00e1n ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1\u201d v\u00e0 \u0110i\u1ec1u 355 \u201cX\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh r\u1ea5t b\u1ea5t h\u1ee3p l\u00fd v\u1ec1 vi\u1ec7c thanh to\u00e1n ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. \u0110\u00f3 l\u00e0, n\u1ebfu ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m tr\u1ea3 n\u1ee3 thi\u1ebfu, th\u00ec b\u00ean b\u1ea3o \u0111\u1ea3m \u201cph\u1ea3i tr\u1ea3 ti\u1ebfp ph\u1ea7n c\u00f2n thi\u1ebfu\u201d. \u0110i\u1ec1u n\u00e0y ch\u1ec9 \u0111\u00fang trong tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o \u0111\u1ea3m \u0111\u1ed3ng th\u1eddi c\u0169ng ch\u00ednh l\u00e0 b\u00ean vay v\u1ed1n, c\u00f2n n\u1ebfu b\u00ean b\u1ea3o \u0111\u1ea3m l\u00e0 b\u00ean th\u1ee9 ba, th\u00ec ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ea5m d\u1ee9t, ch\u1ee9 kh\u00f4ng th\u1ec3 kho\u00e1c cho h\u1ecd m\u1ed9t tr\u00e1ch nhi\u1ec7m tr\u1eddi \u01a1i nh\u01b0 v\u1eady. Tr\u00e1ch nhi\u1ec7m ti\u1ebfp t\u1ee5c tr\u1ea3 n\u1ee3 ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 c\u1ee7a b\u00ean vay v\u1ed1n.<\/p>\n

4. B\u1ea5t \u0111\u1ed3ng, tranh ch\u1ea5p th\u01b0\u1eddng g\u1eb7p gi\u1eefa kh\u00e1ch h\u00e0ng v\u1edbi ng\u00e2n h\u00e0ng trong qu\u00e1 tr\u00ecnh x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n, thanh l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/strong><\/p>\n

4.1.\u00a0\u00a0\u00a0 Trong qu\u00e1 tr\u00ecnh x\u00e1c l\u1eadp h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m th\u00ec th\u01b0\u1eddng kh\u00f4ng x\u1ea3y ra tranh ch\u1ea5p, c\u00f2n b\u1ea5t \u0111\u1ed3ng th\u00ec ch\u1ee7 y\u1ebfu l\u00e0 \u1edf vi\u1ec7c \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, trong \u0111\u00f3 \u0111\u1eb7c bi\u1ec7t v\u1edbi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t. N\u1ebfu \u0111\u1ecbnh gi\u00e1 theo khung gi\u00e1 \u0111\u1ea5t do nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh th\u00ec qu\u00e1 th\u1ea5p, b\u00ean c\u1ea1nh tr\u01b0\u1eddng h\u1ee3p c\u00e1 bi\u1ec7t c\u00f3 n\u01a1i, c\u00f3 l\u00fac khung gi\u00e1 l\u1ea1i cao h\u01a1n gi\u00e1 th\u1ecb tr\u01b0\u1eddng. Tuy nhi\u00ean, v\u00ec m\u1ee5c ti\u00eau c\u1ee7a giao d\u1ecbch b\u1ea3o \u0111\u1ea3m l\u00e0 \u0111\u1ec3 vay \u0111\u01b0\u1ee3c ti\u1ec1n, n\u00ean kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng ch\u1ea5p nh\u1eadn c\u00e1c \u0111i\u1ec1u ki\u1ec7n do ng\u00e2n h\u00e0ng \u0111\u01b0a ra, trong \u0111\u00f3 c\u00f3 vi\u1ec7c \u0111\u1ecbnh gi\u00e1 v\u00e0 y\u00eau c\u1ea7u v\u1ec1 c\u00e1c th\u1ee7 t\u1ee5c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay. V\u00ec v\u1eady, n\u1ebfu x\u1ea3y ra tranh ch\u1ea5p, b\u1ea5t \u0111\u1ed3ng th\u00ec ho\u1eb7c l\u00e0 d\u1eabn \u0111\u1ebfn d\u1eebng giao d\u1ecbch ho\u1eb7c c\u00e1c b\u00ean s\u1ebd \u0111i \u0111\u1ebfn \u0111\u1ed3ng thu\u1eadn \u0111\u1ec3 ti\u1ebfp t\u1ee5c thi\u1ebft l\u1eadp h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n.<\/p>\n

4.2.\u00a0\u00a0\u00a0 Ph\u1ea7n l\u1edbn tranh ch\u1ea5p, b\u1ea5t \u0111\u1ed3ng x\u1ea3y ra gi\u1eefa ng\u00e2n h\u00e0ng v\u1edbi kh\u00e1ch h\u00e0ng li\u00ean quan \u0111\u1ebfn giao d\u1ecbch b\u1ea3o \u0111\u1ea3m xu\u1ea5t hi\u1ec7n trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd (ph\u00e1t m\u1ea1i, thanh l\u00fd) t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, t\u1eadp trung v\u00e0o gi\u00e1 c\u1ea3 v\u00e0 ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, nh\u1ea5t l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. N\u1ebfu kh\u00e1ch h\u00e0ng l\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng ra b\u00e1n t\u00e0i s\u1ea3n th\u00ec th\u01b0\u1eddng b\u1ecb k\u00e9o d\u00e0i, v\u00ec mu\u1ed1n b\u00e1n v\u1edbi gi\u00e1 t\u1ed1t nh\u1ea5t, th\u1eadm ch\u00ed nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng mu\u1ed1n b\u00e1n. N\u1ebfu ng\u00e2n h\u00e0ng l\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng ra b\u00e1n v\u00e0 quy\u1ebft \u0111\u1ecbnh gi\u00e1 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec th\u01b0\u1eddng ph\u1ea3i b\u00e1n v\u1edbi gi\u00e1 th\u1ea5p (do ph\u1ea3i nhanh ch\u00f3ng thu h\u1ed3i v\u1ed1n v\u00e0 t\u00e2m l\u00fd c\u1ee7a ng\u01b0\u1eddi mua e ng\u1ea1i vi\u1ec7c mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n b\u1ecb xi\u1ebft n\u1ee3 ho\u1eb7c v\u1ee1 n\u1ee3). V\u00ec v\u1eady, b\u00ean c\u00f3 t\u00e0i s\u1ea3n th\u01b0\u1eddng t\u00ecm c\u00e1ch tr\u00ec ho\u00e3n, kh\u00f4ng h\u1ee3p t\u00e1c trong vi\u1ec7c x\u1eed l\u00fd b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u1ebf ch\u1ea5p. Khi \u0111\u00f3, ng\u00e2n h\u00e0ng r\u1ea5t kh\u00f3 \u0111\u01a1n ph\u01b0\u01a1ng x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, v\u00ec ch\u1ee7 t\u00e0i s\u1ea3n kh\u00f4ng k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, u\u1ef7 quy\u1ec1n v\u00e0 c\u00e1c gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ec3 giao d\u1ecbch, sang t\u00ean h\u1ee3p ph\u00e1p. Do v\u1eady ph\u1ea7n l\u1edbn c\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u1eed l\u00fd b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u1ea3i v\u1eabn ph\u1ea3i y\u00eau c\u1ea7u To\u00e0 \u00e1n ph\u00e2n x\u1eed v\u00e0 qua c\u01a1 quan thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

4.3.\u00a0\u00a0\u00a0 N\u1ebfu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 c\u1ee7a b\u00ean vay v\u1ed1n, th\u00ec h\u1ecd s\u1ebd d\u1ec5 d\u00e0ng ch\u1ea5p nh\u1eadn x\u1eed l\u00fd, v\u00ec tr\u01b0\u1edbc sau c\u0169ng v\u1eabn ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3, \u00edt nh\u1ea5t l\u00e0 n\u1ee3 g\u1ed1c (cho d\u00f9 m\u1ed9t trong ho\u1eb7c c\u1ea3 2 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u00f3 b\u1ecb v\u00f4 hi\u1ec7u). Nh\u01b0ng \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a b\u00ean th\u1ee9 ba, th\u00ec th\u01b0\u1eddng ph\u00e1t sinh tranh ch\u1ea5p v\u1ec1 t\u00ednh h\u1ee3p ph\u00e1p, t\u1ef1 nguy\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m. T\u00e0i s\u1ea3n c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m b\u1ecb x\u1eed l\u00fd \u0111\u1ec3 thu h\u1ed3i n\u1ee3 thay cho b\u00ean vay v\u1ed1n, trong khi b\u00ean b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng c\u00f3 r\u1ea5t \u00edt ho\u1eb7c kh\u00f4ng c\u00f3 l\u1ee3i \u00edch trong vi\u1ec7c vay v\u1ed1n v\u00e0 s\u1eed d\u1ee5ng v\u1ed1n vay. V\u00ec v\u1eady, h\u1ecd th\u01b0\u1eddng r\u1ea5t kh\u00f4ng mu\u1ed1n, b\u1ea5t h\u1ee3p t\u00e1c v\u00e0 t\u00ecm m\u1ecdi c\u00e1ch t\u1eeb ch\u1ed1i, k\u00e9o d\u00e0i vi\u1ec7c x\u1eed l\u00fd. V\u00e0 vi\u1ec7c \u0111\u1ea7u ti\u00ean m\u00e0 h\u1ecd ph\u1ea3n \u1ee9ng l\u00e0 t\u00ecm c\u00e1ch \u0111\u01b0a h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m v\u1ec1 t\u00ecnh tr\u1ea1ng v\u00f4 hi\u1ec7u, \u0111\u1ec3 tho\u00e1t kh\u1ecfi ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 thay. Do v\u1eady, s\u1ed1 l\u01b0\u1ee3ng c\u00e1c v\u1ee5 b\u1ea5t \u0111\u1ed3ng, tranh ch\u1ea5p ch\u1ee7 y\u1ebfu li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a b\u00ean th\u1ee9 ba. V\u00ed d\u1ee5 m\u1ed9t s\u1ed1 v\u1ee5 vi\u1ec7c d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ng\u00e0y 25-10-2010 Ng\u00e2n h\u00e0ng TMCP H. – Chi nh\u00e1nh C\u1ea7u Gi\u1ea5y, \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p 278m2 <\/sup>quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i Trung Ho\u00e0, Ch\u01b0\u01a1ng M\u1ef9, H\u00e0 N\u1ed9i c\u1ee7a h\u1ed9 gia \u0111\u00ecnh b\u00e0 L\u00ea Th\u1ecb Ba, tr\u1ecb gi\u00e1 1,39 t\u1ef7 \u0111\u1ed3ng, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho kho\u1ea3n vay c\u1ee7a C\u00f4ng ty TNHH C\u01a1 kh\u00ed v\u00e0 Th\u01b0\u01a1ng m\u1ea1i CTM. H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p theo \u0111\u00fang quy \u0111\u1ecbnh. Ng\u00e0y 22-12-2011, b\u00ean th\u1ebf ch\u1ea5p c\u00f3 \u0111\u01a1n \u0111\u1ec1 ngh\u1ecb Ng\u00e2n h\u00e0ng \u201ckhoanh v\u00f9ng n\u1ee3 \u0111\u1ebfn h\u1ea1n, ng\u1eebng k\u00ea bi\u00ean ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n, h\u1ee7y h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, tr\u1ea3 l\u1ea1i gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t<\/em>\u201d. L\u00fd do l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p k\u00fd tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 Ng\u00e2n h\u00e0ng kh\u00f4ng th\u00f4ng b\u00e1o cho b\u00ean th\u1ebf ch\u1ea5p t\u1ed5ng s\u1ed1 ti\u1ec1n vay c\u1ee7a b\u00ean vay v\u1ed1n t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. Sau 1 n\u0103m, k\u1ec3 t\u1eeb khi Ng\u00e2n h\u00e0ng tr\u1ea3 l\u1eddi kh\u00f4ng ch\u1ea5p nh\u1eadn y\u00eau c\u1ea7u n\u00e0y, ch\u01b0a th\u1ea5y b\u00ean th\u1ebf ch\u1ea5p c\u00f3 \u00fd ki\u1ebfn ph\u1ea3n h\u1ed3i. Tuy nhi\u00ean, \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m \u0111i\u1ec3m x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec r\u1ea5t d\u1ec5 d\u1eabn \u0111\u1ebfn khi\u1ebfu ki\u1ec7n r\u1eafc r\u1ed1i.<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ng\u00e0y 24-3-2010 Ng\u00e2n h\u00e0ng TMCP S. \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p 646 m2<\/sup> quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i H\u00e0 \u0110\u00f4ng, H\u00e0 N\u1ed9i, tr\u1ecb gi\u00e1 29.45 t\u1ef7 \u0111\u1ed3ng c\u1ee7a v\u1ee3 ch\u1ed3ng \u00f4ng \u0110\u1eb7ng Ch\u00e2u Tu\u1ea5n, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a C\u00f4ng ty C\u1ed5 ph\u1ea9n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 X\u00e2y d\u1ef1ng Kh\u00e1nh Linh (do ch\u00ednh con trai c\u1ee7a v\u1ee3 ch\u1ed3ng \u00f4ng Tu\u1ea5n l\u00e0m Gi\u00e1m \u0111\u1ed1c). Ng\u00e0y 27-3-2012 Ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u1ea3i tr\u1ea3 l\u1eddi C\u01a1 quan Thanh tra Gi\u00e1m s\u00e1t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo khi\u1ebfu n\u1ea1i c\u1ee7a \u00f4ng Tu\u1ea5n. L\u00fd do l\u00e0 C\u00f4ng ty Kh\u00e1nh Linh vay th\u00eam 12 t\u1ef7 \u0111\u1ed3ng m\u00e0 kh\u00f4ng th\u00f4ng qua b\u00ean th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, ngo\u00e0i h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p ban \u0111\u1ea7u, c\u00e1c b\u00ean c\u00f2n k\u00fd 2 ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p (\u0111\u1ec1u qua c\u00f4ng ch\u1ee9ng), trong \u0111\u00f3 cam k\u1ebft r\u00f5 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho to\u00e0n b\u1ed9 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 \u201cbao g\u1ed3m nh\u01b0ng kh\u00f4ng gi\u1edbi h\u1ea1n l\u00e0: Ti\u1ec1n vay (n\u1ee3 g\u1ed1c), l\u00e3i vay, l\u00e3i qu\u00e1 h\u1ea1n, chi ph\u00ed x\u1eed l\u00fd t\u00e0i s\u1ea3n, c\u00e1c kho\u1ea3n chi ph\u00ed kh\u00e1c v\u00e0 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i theo (c\u00e1c) H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, (c\u00e1c) H\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh, c\u00e1c (L\/C) k\u00fd v\u1edbi Maritime Bank<\/em>\u201d.<\/p>\n

4.4.\u00a0\u00a0\u00a0 M\u1ed9t d\u1ea1ng tranh ch\u1ea5p n\u1eefa gi\u1eefa ng\u00e2n h\u00e0ng v\u1edbi kh\u00e1ch h\u00e0ng c\u0169ng th\u01b0\u1eddng x\u1ea3y ra, \u0111\u00f3 l\u00e0 tranh ch\u1ea5p v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. V\u00ed d\u1ee5, ng\u00e0y 14-12-2009, Ng\u00e2n h\u00e0ng TMCP M. v\u00e0 \u00f4ng Tr\u1ea7n Anh \u0110\u1ee9c c\u00f9ng v\u1ee3 l\u00e0 b\u00e0 Ng\u00f4 Th\u1ecb Ng\u1ecd \u0111\u00e3 k\u00fd H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 Quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf to\u1ea1 l\u1ea1i t\u1ea1i 283, \u0111\u01b0\u1eddng Ho\u00e0ng Hoa Th\u00e1m, qu\u1eadn Ba \u0110\u00ecnh, H\u00e0 N\u1ed9i, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 theo H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng s\u1ed1 2522\/09\/PGD-HT c\u00f9ng ng\u00e0y 14-12-2009. Ngu\u1ed3n g\u1ed1c c\u0103n nh\u00e0 l\u00e0 c\u1ee7a v\u1ee3 ch\u1ed3ng b\u00e0 Nguy\u1ec5n Th\u1ecb Chi\u00ean v\u00e0 \u00f4ng Nguy\u1ec5n \u0110\u00ecnh Th\u1eafng, \u0111\u00e3 chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu cho \u00f4ng Tr\u1ea7n Anh \u0110\u1ee9c ng\u00e0y 10-12-2009. H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn t\u1ea1i V\u0103n ph\u00f2ng C\u00f4ng ch\u1ee9ng Th\u00e1i H\u00e0 v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p t\u1ea1i V\u0103n ph\u00f2ng \u0110\u0103ng k\u00fd \u0111\u1ea5t \u0111ai H\u00e0 N\u1ed9i. N\u0103m 2012, kho\u1ea3n n\u1ee3 vay qu\u00e1 h\u1ea1n, Ng\u00e2n h\u00e0ng chu\u1ea9n b\u1ecb x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 thu h\u1ed3i v\u1ed1n, th\u00ec b\u00e0 Nguy\u1ec5n Th\u1ecb Chi\u00ean kh\u1edfi ki\u1ec7n ra To\u00e0 \u00e1n y\u00eau c\u1ea7u Tuy\u00ean v\u00f4 hi\u1ec7u H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00e0 \u0111\u00f2i Ng\u00e2n h\u00e0ng tr\u1ea3 l\u1ea1i cho gia \u0111\u00ecnh b\u00e0 Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 v\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t. L\u00fd do b\u00e0 Chi\u00ean \u0111\u01b0a ra l\u00e0 vi\u1ec7c chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u0111\u1ea5t c\u1ee7a b\u00e0 sang cho \u00f4ng \u0110\u1ee9c t\u1eeb n\u0103m 2009 l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n

4.5.\u00a0\u00a0\u00a0 Ngo\u00e0i ra, tranh ch\u1ea5p gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u1edbi nhau v\u1ec1 vi\u1ec7c nh\u1eadn th\u1ebf ch\u1ea5p tr\u00f9ng t\u00e0i s\u1ea3n c\u0169ng di\u1ec5n ra kh\u00f4ng \u00edt, do nh\u1eadn th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai v\u00e0 do s\u1ef1 gian d\u1ed1i, gi\u1ea3 m\u1ea1o gi\u1ea5y t\u1edd. V\u00ed d\u1ee5 v\u1ee5 \u00f4ng Nguy\u1ec5n \u0110\u1eb1ng Giang l\u00e0 ch\u1ee7 s\u1edf h\u1eefu nh\u00e0 \u1edf v\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u1edf t\u1ecda l\u1ea1c t\u1ea1i s\u1ed1 514 Nh\u1eadt T\u1ea3o, ph\u01b0\u1eddng 7, qu\u1eadn 11, TP HCM. V\u00e0o th\u00e1ng 7-2008, \u00f4ng Giang \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng TMCP K\u1ef9 Th\u01b0\u01a1ng Vi\u1ec7t Nam (Techcombank) cho vay 2 t\u1ef7 \u0111\u1ed3ng, th\u1eddi h\u1ea1n 3 n\u0103m \u0111\u1ec3 x\u00e2y m\u1ed9t c\u0103n nh\u00e0 3 t\u1ea7ng t\u1ea1i \u0111\u1ecba ch\u1ec9 n\u00eau tr\u00ean. T\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y, \u00f4ng Giang ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t n\u00ean Techcombank quy\u1ebft \u0111\u1ecbnh s\u1eed d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay l\u00e0 l\u1eadp H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n trong t\u01b0\u01a1ng lai l\u00e0 c\u0103n nh\u00e0 s\u1ebd h\u00ecnh th\u00e0nh.<\/p>\n

Th\u00e1ng 12-2008, \u00f4ng Giang \u0111\u01b0\u1ee3c UBND qu\u1eadn 11 c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t s\u1ed1 4091\/96. Do c\u00f3 quan h\u1ec7 quen bi\u1ebft b\u1ea1n b\u00e8 v\u1edbi \u00f4ng Nguy\u1ec5n H\u1ed3ng S\u01a1n, n\u00ean \u0111\u1ec3 gi\u00fap \u0111\u1ee1 \u00f4ng S\u01a1n vay ng\u00e2n h\u00e0ng, v\u00e0o th\u00e1ng 2-2009, \u00f4ng Giang \u0111\u00e3 l\u1eadp h\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n t\u1ea1i Ph\u00f2ng C\u00f4ng ch\u1ee9ng s\u1ed1 4 TP HCM, v\u1edbi n\u1ed9i dung \u1ee7y quy\u1ec1n cho \u00f4ng S\u01a1n:<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng, cho thu\u00ea, thanh l\u00fd h\u1ee3p \u0111\u1ed3ng cho thu\u00ea, th\u1ebf ch\u1ea5p, b\u00e1n (chuy\u1ec3n nh\u01b0\u1ee3ng), t\u1eb7ng cho (h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng, t\u1eb7ng cho) \u0111\u1ed1i v\u1edbi nh\u00e0 \u1edf v\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a \u00f4ng Giang;<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Trong tr\u01b0\u1eddng h\u1ee3p th\u1ebf ch\u1ea5p th\u00ec \u00f4ng S\u01a1n \u0111\u01b0\u1ee3c thay m\u1eb7t \u00f4ng Giang k\u00fd c\u00e1c h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n li\u00ean quan (kh\u00f4ng gi\u1edbi h\u1ea1n s\u1ed1 ti\u1ec1n vay v\u00e0 s\u1ed1 l\u1ea7n vay);<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Trong tr\u01b0\u1eddng h\u1ee3p th\u1ebf ch\u1ea5p m\u00e0 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p th\u00ec \u00f4ng Giang \u0111\u1ed3ng \u00fd \u0111\u1ec3 cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ec3 thu h\u1ed3i n\u1ee3.<\/p>\n

C\u0103n c\u1ee9 n\u1ed9i dung \u1ee7y quy\u1ec1n tr\u00ean, \u00f4ng S\u01a1n \u0111\u00e3 xin vay v\u1ed1n t\u1ea1i Ng\u00e2n h\u00e0ng TMCP Ph\u01b0\u01a1ng \u0110\u00f4ng (OCB) Ngh\u1ec7 An, \u0111\u1ed3ng th\u1eddi thay m\u1eb7t \u00f4ng Giang k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i Ph\u00f2ng C\u00f4ng ch\u1ee9ng s\u1ed1 4 TP HCM \u0111\u1ec3 th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i \u0111\u1ecba ch\u1ec9 n\u00eau tr\u00ean \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho kho\u1ea3n vay tr\u1ecb gi\u00e1 4 t\u1ef7 \u0111\u1ed3ng c\u1ee7a \u00f4ng S\u01a1n (gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u0111\u1ecbnh gi\u00e1 l\u00e0 4 t\u1ef7 \u0111\u1ed3ng). Ng\u00e2n h\u00e0ng kh\u00f4ng l\u00e0m th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m.<\/p>\n

\u0110\u1ebfn th\u00e1ng 6-2011, do s\u1eafp \u0111\u1ebfn h\u1ea1n tr\u1ea3 n\u1ee3 Techcombank m\u00e0 kh\u00f4ng c\u00f3 ti\u1ec1n, n\u00ean \u00f4ng Giang \u0111\u00e3 nh\u1edd ng\u01b0\u1eddi l\u00e0m gi\u1ea3 Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 \u0111i vay 2,5 t\u1ef7 \u0111\u1ed3ng t\u1ea1i Ng\u00e2n h\u00e0ng TMCP Ti\u00ean phong (Tienphongbank). H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m tr\u00f3t l\u1ecdt. Tuy nhi\u00ean, \u00f4ng Giang l\u1ea1i d\u00f9ng h\u1ebft s\u1ed1 ti\u1ec1n vay \u0111\u01b0\u1ee3c t\u1eeb Techcombank \u0111\u1ec3 ch\u01a1i ch\u1ee9ng kho\u00e1n v\u00e0 thua l\u1ed7.<\/p>\n

\u0110\u1ebfn h\u1ea1n tr\u1ea3 n\u1ee3, \u00f4ng Giang kh\u00f4ng thanh to\u00e1n \u0111\u01b0\u1ee3c n\u00ean Techcombank \u0111\u00e3 \u0111\u1ebfn phong t\u1ecfa nh\u00e0. OCB Ngh\u1ec7 An v\u00e0 Tienphongbank c\u00f9ng tranh gi\u00e0nh quy\u1ec1n x\u1eed l\u00fd c\u0103n nh\u00e0 v\u1edbi Techcombank. L\u00fac n\u00e0y Techcombank m\u1edbi bi\u1ebft l\u00e0 nh\u00e0 \u0111\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i OCB Ngh\u1ec7 An, OCB Ngh\u1ec7 An m\u1edbi bi\u1ebft tr\u01b0\u1edbc \u0111\u00f3 nh\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i Techcombank, Tienphongbank m\u1edbi bi\u1ebft gi\u1ea5y t\u1edd nh\u00e0 nh\u1eadn th\u1ebf ch\u1ea5p l\u00e0 gi\u1ea3, nh\u01b0ng l\u1ea1i ho\u00e0n th\u00e0nh th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m.<\/p>\n

5. Bi\u1ec7n ph\u00e1p ng\u00e2n h\u00e0ng th\u01b0\u1eddng \u00e1p d\u1ee5ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p v\u1edbi kh\u00e1ch h\u00e0ng li\u00ean quan \u0111\u1ebfn c\u00e1c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/strong><\/p>\n

5.1.\u00a0\u00a0\u00a0 Ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng m\u1ecdi bi\u1ec7n ph\u00e1p \u0111\u1ec3 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p g\u1ed3m th\u01b0\u01a1ng l\u01b0\u1ee3ng, h\u00f2a gi\u1ea3i, tr\u1ecdng t\u00e0i v\u00e0 t\u00f2a \u00e1n, trong \u0111\u00f3 ch\u1ee7 y\u1ebfu l\u00e0 th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u00e0 to\u00e0 \u00e1n. Bi\u1ec7n ph\u00e1p ho\u00e0 gi\u1ea3i h\u1ea7u nh\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng, v\u00ec t\u00ednh ch\u1ea5t c\u1ee7a lo\u1ea1i tranh ch\u1ea5p n\u00e0y, b\u00ean trung gian ho\u00e0 gi\u1ea3i \u00edt c\u00f3 vai tr\u00f2. Bi\u1ec7n ph\u00e1p gi\u1ea3i quy\u1ebft b\u1eb1ng tr\u1ecdng t\u00e0i it khi \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng, v\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m l\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u1ee5, trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p li\u00ean quan \u0111\u1ebfn b\u00ean th\u1ee9 ba, do \u0111\u00f3 khi gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng ch\u00ednh l\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, Tr\u1ecdng t\u00e0i b\u1ecb h\u1ea1n ch\u1ebf th\u1ea9m quy\u1ec1n li\u00ean quan \u0111\u1ebfn b\u00ean th\u1ee9 ba.<\/p>\n

5.2.\u00a0\u00a0\u00a0 Bi\u1ec7n ph\u00e1p th\u01b0\u01a1ng l\u01b0\u1ee3ng c\u00f3 hi\u1ec7u qu\u1ea3 nh\u1ea5t trong m\u1ecdi giai \u0111o\u1ea1n. Tuy nhi\u00ean m\u1ed9t t\u1ef7 l\u1ec7 kh\u00e1 l\u1edbn kh\u00f4ng \u0111\u1ea1t k\u1ebft qu\u1ea3, th\u00ec bu\u1ed9c ph\u1ea3i \u0111\u01b0a ra To\u00e0 \u00e1n, m\u1eb7c d\u00f9 th\u1eddi gian gi\u1ea3i quy\u1ebft \u1edf To\u00e0 \u00e1n th\u01b0\u1eddng r\u1ea5t l\u00e2u, t\u1ed1n k\u00e9m v\u00e0 ph\u1ee9c t\u1ea1p. V\u00e0 \u0111\u00e3 ph\u1ea3i kh\u1edfi ki\u1ec7n ra to\u00e0, th\u00ec c\u0169ng th\u01b0\u1eddng ph\u1ea3i ch\u1edd ti\u1ebfp kh\u00e2u thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1, c\u0169ng r\u1ea5t m\u1ea5t th\u1eddi gian, t\u1ed1n ti\u1ec1n v\u00e0 r\u1eafc r\u1ed1i. Th\u00f4ng th\u01b0\u1eddng m\u1ed9t v\u1ee5 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo tr\u00ecnh t\u1ef1 n\u00e0y k\u00e9o d\u00e0i v\u00e0i ba n\u0103m. \u0110\u00f3 c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t nguy\u00ean nh\u00e2n quan tr\u1ecdng d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng gia t\u0103ng n\u1ee3 x\u1ea5u c\u1ee7a n\u1ec1n kinh t\u1ebf n\u00f3i chung v\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang.<\/p>\n

6. Ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p cho c\u00e1c v\u01b0\u1edbng m\u1eafc, b\u1ea5t c\u1eadp:<\/strong><\/p>\n

6.1.\u00a0\u00a0\u00a0 V\u1ec1 bi\u1ec7n ph\u00e1p b\u1ea3o l\u00e3nh:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng, quy \u0111\u1ecbnh r\u00f5 b\u1ea3o l\u00e3nh l\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a b\u00ean th\u1ee9 ba, nh\u01b0ng kh\u00f4ng \u0111\u01b0a t\u00e0i s\u1ea3n v\u00e0o c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p. N\u1ebfu c\u00f3 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p th\u00ec \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a b\u00ean th\u1ee9 ba.<\/p>\n

6.2.\u00a0\u00a0\u00a0 V\u1ec1 bi\u1ec7n ph\u00e1p t\u00edn ch\u1ea5p:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng, lo\u1ea1i b\u1ecf t\u00edn ch\u1ea5p kh\u1ecfi c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m (n\u1ebfu c\u1ea7n \u00e1p d\u1ee5ng cho t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch th\u00ec ch\u1ec9 c\u1ea7n quy \u0111\u1ecbnh trong c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt). H\u00e3y d\u00e0nh kh\u00e1i ni\u1ec7m n\u00e0y cho c\u00e1c giao d\u1ecbch cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

6.3.\u00a0\u00a0\u00a0 V\u1ec1 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u00e0i:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i Lu\u1eadt H\u00e0ng kh\u00f4ng d\u00e2n d\u1ee5ng Vi\u1ec7t Nam n\u0103m 2006 theo h\u01b0\u1edbng, ch\u1ec9 quy \u0111\u1ecbnh vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0u bay thay v\u00ec v\u1eeba th\u1ebf ch\u1ea5p, v\u1eeba c\u1ea7m c\u1ed1 nh\u01b0 quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh. \u0110\u1ed3ng th\u1eddi s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng s\u1eaft theo h\u01b0\u1edfng quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0u ho\u1ea3 (kh\u00f4ng c\u1ea7m c\u1ed1).<\/p>\n

6.4.\u00a0\u00a0\u00a0 V\u1ec1 th\u1ebf ch\u1ea5p nh\u00e0 \u1edf:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005 theo h\u01b0\u1edbng, kh\u00f4ng quy \u0111\u1ecbnh gi\u00e1 tr\u1ecb nh\u00e0 \u1edf ph\u1ea3i l\u1edbn h\u01a1n t\u1ed5ng gi\u00e1 tr\u1ecb c\u00e1c ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m v\u00e0 kh\u00f4ng h\u1ea1n ch\u1ebf v\u1ecbec ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

6.5.\u00a0\u00a0\u00a0 V\u1ec1 th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 theo h\u01b0\u1edbng, t\u1ed5 ch\u1ee9c kinh t\u1ebf kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf quy\u1ec1n ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam \u0111\u1ec3 vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh; c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh s\u1eed d\u1ee5ng \u0111\u1ea5t kh\u00f4ng ch\u1ec9 c\u00f3 quy\u1ec1n th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh, m\u00e0 \u0111\u01b0\u1ee3c quy\u1ec1n th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho m\u1ecdi ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1.<\/p>\n

6.6.\u00a0\u00a0\u00a0 V\u1ec1 c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 c\u00e1c \u0111\u1ea1o lu\u1eadt li\u00ean quan theo h\u01b0\u1edbng, lo\u1ea1i b\u1ecf t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai ch\u01b0a hi\u1ec7n h\u1eefu ra kh\u1ecfi c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p; \u0111\u1ed3ng th\u1eddi kh\u00f4ng g\u1ecdi c\u00e1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 h\u00ecnh th\u00e0nh l\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai (c\u1ea7n cho ph\u00e9p th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn s\u1edf h\u1eefu).<\/p>\n

6.7.\u00a0\u00a0\u00a0 V\u1ec1 t\u00e0i s\u1ea3n c\u1ee7a h\u1ed9 gia \u0111\u00ecnh:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng, lo\u1ea1i b\u1ecf ch\u1ee7 th\u1ec3 h\u1ed9 gia \u0111\u00ecnh ra kh\u1ecfi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1; \u0111\u1ed3ng th\u1eddi s\u1eeda Lu\u1eadt \u0110\u1ea5t \u0111ai theo h\u01b0\u1edbng ph\u1ea3i ghi r\u00f5 t\u00ean c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh vi\u00ean c\u00f3 quy\u1ec1n s\u1eed d\u1ee5ng (s\u1edf h\u1eefu) \u0111\u1ea5t, thay v\u00ec ghi h\u1ed9 gia \u0111\u00ecnh.<\/p>\n

6.8.\u00a0\u00a0\u00a0 V\u1ec1 ch\u1ee7 th\u1ec3 k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng quy \u0111\u1ecbnh r\u00f5 m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c k\u00fd h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u1edbi 2 t\u01b0 c\u00e1ch, v\u1eeba l\u00e0 \u0111\u1ea1i di\u1ec7n c\u1ee7a b\u00ean vay v\u1ed1n, v\u1eeba l\u00e0 \u0111\u1ea1i di\u1ec7n c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m. Trong l\u00fac ch\u01b0a s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt, th\u00ec c\u1ea7n ph\u1ea3i b\u1ed5 sung quy \u0111\u1ecbnh n\u00e0y v\u00e0o Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m.<\/p>\n

6.9.\u00a0\u00a0\u00a0 V\u1ec1 n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng, quy \u0111\u1ecbnh gi\u00e1 tr\u1ecb ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m v\u00e0 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ph\u1ea3i l\u00e0 nh\u1eefng n\u1ed9i dung b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m.<\/p>\n

6.10.V\u1ec1 th\u1ee7 t\u1ee5c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005 v\u00e0 Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 theo h\u01b0\u1edbng, kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p nh\u00e0 \u1edf v\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.<\/p>\n

\u0110\u1ed3ng th\u1eddi \u0111\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng, quy \u0111\u1ecbnh r\u00f5 h\u1ee3p \u0111\u1ed3ng n\u00f3i chung, h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p n\u00f3i ri\u00eang kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p.<\/p>\n

6.11.V\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng b\u00ean nh\u1eadn b\u00e0o \u0111\u1ea3m \u0111\u01b0\u1ee3c quy\u1ec1n \u0111\u01b0\u01a1ng nhi\u00ean b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u0103n c\u1ee9 v\u00e0o h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, kh\u00f4ng c\u1ea7n c\u00f3 v\u0103n b\u1ea3n \u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean th\u1ebf ch\u1ea5p, \u0111\u1ed3ng th\u1eddi s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 theo h\u01b0\u1edbng r\u00fat ng\u1eafn th\u1ee7 t\u1ee5c c\u00e1c v\u1ee5 vi\u1ec7c y\u00eau c\u1ea7u x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u1ea1i To\u00e0 \u00e1n, c\u00f9ng v\u1edbi vi\u1ec7c t\u1ea1o c\u01a1 ch\u1ebf h\u1ee3p l\u00fd \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng vai tr\u00f2 tham gia gi\u1ea3i quy\u1ebft c\u1ee7a Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

6.12.V\u1ec1 tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 338 v\u00e0 \u0110i\u1ec1u 355, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng b\u1ecf quy \u0111\u1ecbnh, n\u1ebfu ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m tr\u1ea3 n\u1ee3 thi\u1ebfu, th\u00ec b\u00ean b\u1ea3o \u0111\u1ea3m \u201cph\u1ea3i tr\u1ea3 ti\u1ebfp ph\u1ea7n c\u00f2n thi\u1ebfu\u201d.<\/p>\n

6.13.V\u1ec1 tr\u00e1ch nhi\u1ec7m ch\u1ecbu chi ph\u00ed thi h\u00e0nh \u00e1n:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i Lu\u1eadt Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 theo h\u01b0\u1edbng, ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n c\u00f3 ngh\u0129a v\u1ee5 n\u1ed9p to\u00e0n b\u1ed9 chi ph\u00ed thi h\u00e0nh \u00e1n, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n ch\u1ec9 ph\u1ea3i t\u1ea1m \u1ee9ng chi ph\u00ed, sau \u0111\u00f3 tr\u1eeb v\u00e0o s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c c\u1ee7a ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n. C\u00f3 nh\u01b0 v\u1eady th\u00ec m\u1edbi n\u00e2ng cao tr\u00e1ch nhi\u1ec7m t\u1ef1 nguy\u1ec7n th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 v\u00e0 nhanh ch\u00f3ng thi h\u00e0nh b\u1ea3n \u00e1n.<\/p>\n

6.14.V\u1ec1 th\u00f4ng tin giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/p>\n

\u0110\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c ph\u1ea3i c\u00f4ng khai th\u00f4ng tin v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, kh\u00f4ng thu\u1ed9c lo\u1ea1i th\u00f4ng tin ph\u1ea3i gi\u1eef b\u00ed m\u1eadt theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 v\u00e0 Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u0103m 2010 v\u00e0 c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c.<\/p>\n

6.15.Ki\u1ebfn ngh\u1ecb chung:<\/p>\n

Xem x\u00e9t l\u1ef1a ch\u1ecdn 1 trong 3 ph\u01b0\u01a1ng \u00e1n\u00a0quy \u0111\u1ecbnh v\u00e0 s\u1eeda \u0111\u1ed5i v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m theo th\u1ee9 t\u1ef1 \u01b0u ti\u00ean: S\u1eeda \u0111\u1ed5i t\u1eadp trung c\u00e1c quy \u0111\u1ecbnh tr\u00ean trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u1ed3ng th\u1eddi lo\u1ea1i b\u1ecf c\u00e1c quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m trong c\u00e1c \u0111\u1ea1o lu\u1eadt kh\u00e1c, ban h\u00e0nh m\u1ed9t \u0111\u1ea1o lu\u1eadt ri\u00eang v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, v\u00e0 s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u1ed3ng th\u1eddi v\u1edbi s\u1eeda \u0111\u1ed5i c\u00e1c \u0111\u1ea1o lu\u1eadt li\u00ean quan (gi\u1eef nguy\u00ean nh\u01b0 hi\u1ec7n nay).<\/p>\n

———————<\/p>\n

H\u00e0 N\u1ed9i 02-01-2013<\/em><\/p>\n

\u0110\u1ecba ch\u1ec9 li\u00ean h\u1ec7<\/strong><\/p>\n

\u0110C:\u00a0<\/em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em>ANVI, t\u1ea7ng 4, T\u00f2a nh\u00e0 Savina, s\u1ed1 1 \u0110inh L\u1ec5, ph\u1ed1 Tr\u00e0ng Ti\u1ec1n, qu\u1eadn Ho\u00e0n Ki\u1ebfm, <\/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

 <\/p>\n

B\u00ccNH LU\u1eacN V\u1ec0 CH\u1ebe \u0110\u1ecaNH B\u1ea2O \u0110\u1ea2M TI\u1ec0N VAY \u0110\u1ed0I V\u1edaI <\/strong>HO\u1ea0T \u0110\u1ed8NG T\u00cdN D\u1ee4NG NG\u00c2N H\u00c0NG[1]<\/a><\/strong><\/p>\n

[1]<\/a> \u00a0 B\u00e0i th\u1ee9 10 trong lo\u1ea1t b\u00e0i tham gia x\u00e2y d\u1ef1ng B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

[2]<\/a> Ch\u1ee7 nhi\u1ec7m \u0110\u1ec1 t\u00e0i: TS. V\u00f5 \u0110\u00ecnh To\u00e0n, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Khoa h\u1ecdc ph\u00e1p l\u00fd, B\u1ed9 T\u01b0 ph\u00e1p.<\/p>\n

[3]<\/a> Xem B\u00ecnh lu\u1eadn ch\u1ebf \u0111\u1ecbnh Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 \u2013 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c H\u1ed9i th\u1ea3o v\u1ec1 BLDS do B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 JICA t\u1ed5 ch\u1ee9c t\u1ea1i H\u00e0 N\u1ed9i ng\u00e0y 31\/8-01\/9\/2011.<\/p>\n

[4]<\/a> Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 188\/2004-N\u0110-CP ng\u00e0y 16-11-2004 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Ph\u01b0\u01a1ng ph\u00e1p x\u00e1c \u0111\u1ecbnh gi\u00e1 \u0111\u1ea5t v\u00e0 khung gi\u00e1 c\u00e1c lo\u1ea1i \u0111\u1ea5t.<\/p>\n

[5]<\/a> M\u1ee5c 03, Ti\u00eau chu\u1ea9n s\u1ed1 01 Gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng l\u00e0m c\u01a1 s\u1edf cho th\u1ea9m \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 24\/2005\/Q\u0110-BTC ng\u00e0y 18-4-2005 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh.<\/p>\n

[6]<\/a> Kho\u1ea3n 2, \u0110i\u1ec1u 55 v\u1ec1 \u201cGi\u00e1 \u0111\u1ea5t\u201d, Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003.<\/p>\n

[7]<\/a> \u0110i\u1ec1u 56 v\u1ec1 \u201cGi\u00e1 \u0111\u1ea5t do Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh\u201d, Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003.<\/p>\n

[8]<\/a> \u0110i\u1ec1u 338 \u201cThanh to\u00e1n ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1\u201d v\u00e0 \u0110i\u1ec1u 355 \u201cX\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d, BLDS n\u0103m 2005.<\/p>\n

[9]<\/a> \u201cB\u00ecnh lu\u1eadn Ch\u1ebf \u0111\u1ecbnh H\u1ed9 gia \u0111\u00ecnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – H\u1ed9i th\u1ea3o C\u00e1c quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3, giao d\u1ecbch, v\u00e0 \u0111\u1ea1i di\u1ec7n trong BLDS n\u0103m 2005 \u2013 \u0110\u1ecbnh h\u01b0\u1edbng s\u1eeda \u0111\u1ed5i, b\u1ed5 sung – B\u1ed9 T\u01b0 ph\u00e1p, H\u00e0 N\u1ed9i ng\u00e0y 05-6 v\u00e0 6-6.2012.<\/p>\n

[10]<\/a> B\u00ecnh lu\u1eadn Ch\u1ebf \u0111\u1ecbnh giao d\u1ecbch b\u1ea3o \u0111\u1ea3m trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, H\u1ed9i th\u1ea3o v\u1ec1 BLDS n\u0103m 2005 do B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 JICA t\u1ed5 ch\u1ee9c ng\u00e0y 31-8 v\u00e0 01-9-2011.<\/p>\n

[11]<\/a> Kho\u1ea3n 2, \u0110i\u1ec1u 320 \u201cV\u1eadt b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1\u201d, BLDS n\u0103m 2005 quy \u0111\u1ecbnh: \u201cV\u1eadt d\u00f9ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 l\u00e0 v\u1eadt hi\u1ec7n c\u00f3 ho\u1eb7c \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. V\u1eadt h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai l\u00e0 \u0111\u1ed9ng s\u1ea3n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m sau th\u1eddi \u0111i\u1ec3m ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp ho\u1eb7c giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c giao k\u1ebft<\/em>.\u201d<\/p>\n

Kho\u1ea3n 2, \u0110i\u1ec1u 61 \u201cTh\u1ebf ch\u1ea5p nh\u00e0 \u1edf\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 71\/2010\/N\u0110-CP ng\u00e0y 23-6-2010 c\u1ee7a Ch\u00ednh ph\u1ee7 Quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt Nh\u00e0 \u1edf quy \u0111\u1ecbnh: \u201cT\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u1ee7a doanh nghi\u1ec7p kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c quy\u1ec1n th\u1ebf ch\u1ea5p nh\u00e0 \u1edf t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 vay v\u1ed1n<\/em>.\u201d<\/p>\n

[12]<\/a> \u0110i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 91 \u201c\u0110i\u1ec1u ki\u1ec7n c\u1ee7a nh\u00e0 \u1edf tham gia giao d\u1ecbch\u201d, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005 quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n giao d\u1ecbch v\u1ec1 nh\u00e0 \u1edf l\u00e0 ph\u1ea3i \u201cC\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi nh\u00e0 \u1edf theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>\u201d.<\/p>\n

[13]<\/a> Lu\u1eadt s\u01b0 L\u01b0 Quang Vinh – Trang Web Thongtinphapluatdansu ng\u00e0y 05-8-2011.<\/p>\n

[14]<\/a> B\u1ea3n \u00e1n s\u01a1 th\u1ea9m s\u1ed1 26\/2011\/KT-ST ng\u00e0y 05-8-2011 v\u00e0 B\u1ea3n \u00e1n s\u01a1 th\u1ea9m ng\u00e0y 22-9-2011.<\/p>\n

[15]<\/a> B\u1ea3n \u00e1n ph\u00fac th\u1ea9m s\u1ed1 05\/2011\/KDTM-PT c\u1ee7a To\u00e0 Ph\u00fac th\u1ea9m TANDTC t\u1ea1i \u0110\u00e0 N\u1eb5ng ng\u00e0y 25-11-2011.<\/p>\n

[16]<\/a> \u201cX\u1eed \u00e1n t\u00edn d\u1ee5ng: R\u1ed1i chuy\u1ec7n th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh\u201d, B\u00e1o Ph\u00e1p lu\u1eadt TP HCM ng\u00e0y 02-8-2012.<\/p>\n

[17]<\/a> B\u1ea3n \u00e1n ph\u00fac th\u1ea9m s\u1ed1\u00a0 \/2012\/KDTM-PT c\u1ee7a To\u00e0 Ph\u00fac th\u1ea9m TANDTC t\u1ea1i \u0110\u00e0 N\u1eb5ng ng\u00e0y 23-5-2012.<\/p>\n

[18]<\/a> H\u1ed9i th\u1ea3o v\u1ec1 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 do B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 JICA t\u1ed5 ch\u1ee9c ng\u00e0y 31-8 v\u00e0 01-9-2011.<\/p>\n

[19]<\/a> \u201cX\u1eed \u00e1n t\u00edn d\u1ee5ng: R\u1ed1i chuy\u1ec7n th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh\u201d, B\u00e1o Ph\u00e1p lu\u1eadt TP HCM ng\u00e0y 02-8-2012.<\/p>\n

[20]<\/a> \u201cB\u00ecnh lu\u1eadn Ch\u1ebf \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – H\u1ed9i th\u1ea3o \u201cTh\u1ef1c ti\u1ec5n thi h\u00e0nh m\u1ed9t s\u1ed1 ch\u1ebf \u0111\u1ecbnh c\u1ee7a BLDS n\u0103m 2005 ph\u1ee5c v\u1ee5 c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng v\u00e0 ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1\u201d – B\u1ed9 T\u01b0 ph\u00e1p, H\u00e0 N\u1ed9i 25-5-2012.","protected":false},"excerpt":{"rendered":"

(ANVI) – TH\u1ef0C TI\u1ec4N THI H\u00c0NH PH\u00c1P LU\u1eacT B\u1ea2O \u0110\u1ea2M TH\u1ef0C HI\u1ec6N NGH\u0128A V\u1ee4 D\u00c2N S\u1ef0 TRONG KINH DOANH NG\u00c2N H\u00c0NG NH\u00ccN T\u1eea \u0110\u00d3C \u0110\u1ed8 NG\u00c2N H\u00c0NG TH\u01af\u01a0NG M\u1ea0I – B\u1ea4T C\u1eacP V\u00c0 C\u00c1C GI\u1ea2I PH\u00c1P HO\u00c0N THI\u1ec6N Chuy\u00ean \u0111\u1ec1 s\u1ed1 8 thu\u1ed9c \u0110\u1ec1 t\u00e0i khoa h\u1ecdc c\u1ea5p B\u1ed9 n\u0103m 2012: \u201cPh\u00e1p lu\u1eadt v\u1ec1 b\u1ea3o […]<\/p>\n","protected":false},"author":7,"featured_media":5953,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-5952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n164. 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