{"id":6074,"date":"2013-07-09T22:35:53","date_gmt":"2013-07-09T15:35:53","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6074"},"modified":"2022-02-15T07:04:58","modified_gmt":"2022-02-15T00:04:58","slug":"185-chuong-trinh-toa-dam-vuong-mac-phap-ly-trong-hoat-dong-cua-cac-tctd","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/185-chuong-trinh-toa-dam-vuong-mac-phap-ly-trong-hoat-dong-cua-cac-tctd\/","title":{"rendered":"185. Ch\u01b0\u01a1ng tr\u00ecnh to\u1ea1 \u0111\u00e0m: V\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD."},"content":{"rendered":"(ANVI) – <\/strong>H\u00e0 N\u1ed9i, <\/strong>8 \u2013 12 gi\u1edd ng\u00e0y 04-7-2013<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n\n
Th\u1eddi gian<\/strong><\/td>\nN\u1ed9i dung<\/strong><\/td>\nNg\u01b0\u1eddi th\u1ef1c hi\u1ec7n<\/strong><\/td>\n<\/tr>\n
08h<\/sup>00 \u2013 08h<\/sup>30<\/td>\n\u0640\u00a0\u00a0\u00a0 \u0110\u00f3n ti\u1ebfp \u0111\u1ea1i bi\u1ec3u.<\/p>\n

\u0640\u00a0\u00a0\u00a0 Tuy\u00ean b\u1ed1 l\u00fd do, gi\u1edbi thi\u1ec7u \u0111\u1ea1i bi\u1ec3u.<\/td>\n

\u0640\u00a0\u00a0\u00a0 Th\u01b0\u1eddng tr\u1ef1c CLB<\/td>\n<\/tr>\n
08h<\/sup>30 \u2013 08h<\/sup>45<\/td>\n\u0640\u00a0\u00a0\u00a0 B\u00e1o c\u00e1o \u0111\u1ec1 d\u1eabn c\u00e1c n\u1ed9i dung c\u1ea7n t\u1eadp trung trao \u0111\u1ed5i, th\u1ea3o lu\u1eadn.<\/td>\n\u0640\u00a0\u00a0\u00a0 Ch\u1ee7 nhi\u1ec7m CLB<\/td>\n<\/tr>\n
08h<\/sup>45 \u201310h<\/sup>30<\/td>\n\u0640\u00a0\u00a0\u00a0 Th\u1ea3o lu\u1eadn v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD.<\/td>\n\u0640\u00a0\u00a0\u00a0 H\u1ed9i vi\u00ean<\/p>\n

\u0640\u00a0\u00a0\u00a0 Ban Ch\u1ee7 nhi\u1ec7m CLB<\/td>\n<\/tr>\n

10h<\/sup>30 \u2013 10h<\/sup>45<\/td>\n\u0640\u00a0\u00a0\u00a0 Gi\u1ea3i lao 15 ph\u00fat.<\/td>\n\u0640<\/td>\n<\/tr>\n
10h<\/sup>45 \u2013 11h<\/sup>15<\/td>\n\u0640\u00a0\u00a0\u00a0 Th\u1ea3o lu\u1eadn v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD.<\/td>\n\u0640\u00a0\u00a0\u00a0 H\u1ed9i vi\u00ean<\/p>\n

\u0640\u00a0\u00a0\u00a0 Ban Ch\u1ee7 nhi\u1ec7m CLB<\/td>\n<\/tr>\n

11h<\/sup>15 \u2013 11h<\/sup>30<\/td>\n\u0640\u00a0\u00a0\u00a0 Ph\u00e1t bi\u1ec3u c\u1ee7a \u0111\u1ea1i di\u1ec7n NHNN Vi\u1ec7t Nam.<\/p>\n

\u0640\u00a0\u00a0\u00a0 Ph\u00e1t bi\u1ec3u c\u1ee7a \u0111\u1ea1i di\u1ec7n HHNH Vi\u1ec7t Nam.<\/td>\n

\u0640\u00a0\u00a0\u00a0 L\u00e3nh \u0111\u1ea1o V\u1ee5 Ph\u00e1p ch\u1ebf<\/p>\n

\u0640\u00a0\u00a0\u00a0 T\u1ed5ng Th\u01b0 k\u00fd<\/td>\n<\/tr>\n

11h<\/sup>30 \u2013 11h<\/sup>50<\/td>\n\u0640\u00a0\u00a0\u00a0 Th\u1ea3o lu\u1eadn Ch\u01b0\u01a1ng tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng C\u00e2u l\u1ea1c b\u1ed9 6 th\u00e1ng cu\u1ed1i n\u0103m 2013.<\/p>\n

\u0640\u00a0\u00a0\u00a0 Th\u1ea3o lu\u1eadn S\u1eeda \u0111\u1ed5i Quy ch\u1ebf T\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a C\u00e2u l\u1ea1c b\u1ed9.<\/td>\n

\u0640\u00a0\u00a0\u00a0 H\u1ed9i vi\u00ean<\/p>\n

\u0640\u00a0\u00a0\u00a0 Ban Ch\u1ee7 nhi\u1ec7m CLB<\/td>\n<\/tr>\n

11h<\/sup>50 \u2013 12h<\/sup>00<\/td>\n\u0640\u00a0\u00a0\u00a0 K\u1ebft lu\u1eadn, b\u1ebf m\u1ea1c.<\/td>\n\u0640\u00a0\u00a0\u00a0 Ch\u1ee7 nhi\u1ec7m CLB<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

BAN T\u1ed4 CH\u1ee8C<\/p>\n

B\u00c1O C\u00c1O \u0110\u1ec0 D\u1eaaN<\/strong><\/p>\n

To\u1ea1 \u0111\u00e0m <\/strong>V\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD<\/strong><\/p>\n

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

Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng<\/p>\n

    \n
  1. N\u1ed9i dung:<\/strong><\/li>\n
  2. \u0110\u1eb7t v\u1ea5n \u0111\u1ec1:<\/li>\n<\/ol>\n

    –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00f4ng d\u00e2n v\u00e0 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c l\u00e0m t\u1ea5t c\u1ea3 nh\u1eefng g\u00ec ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m. C\u0169ng l\u00e0 doanh nghi\u1ec7p, nh\u01b0ng c\u00e1c TCTD th\u00ec l\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec ph\u00e1p lu\u1eadt cho ph\u00e9p (\u0110i\u1ec1u 90 Lu\u1eadt C\u00e1c TCTD n\u0103m 2010).<\/p>\n

    –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD th\u00ec ph\u1ea3i tu\u00e2n th\u1ee7 qu\u00e1 nhi\u1ec1u quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, v\u00ec li\u00ean quan \u0111\u1ebfn h\u1ea7u nh\u01b0 m\u1ecdi l\u0129nh v\u1ef1c, ng\u00e0nh ngh\u1ec1. Trong khi h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt ch\u1ed3ng ch\u00e9o, m\u00e2u thu\u1eabn, ph\u1ee9c t\u1ea1p, b\u1ea5t c\u1eadp, v\u00f4 l\u00fd, ch\u1eadm h\u01b0\u1edbng d\u1eabn,…<\/p>\n

    –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Cu\u1ed9c To\u1ea1 \u0111\u00e0m n\u00e0y nh\u1eb1m gi\u00fap H\u1ed9i vi\u00ean th\u1ed1ng nh\u1ea5t nh\u1eadn th\u1ee9c, ph\u00f2ng tr\u00e1nh r\u1ee7i ro v\u00e0 t\u00ecm gi\u1ea3i ph\u00e1p kh\u1eafc ph\u1ee5c nh\u1eefng v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD, \u0111\u1ed3ng th\u1eddi ki\u1ebfn ngh\u1ecb ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt li\u00ean quan.<\/p>\n

      \n
    1. Gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/li>\n<\/ol>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3 Ng\u00e2n h\u00e0ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n non tr\u1ebb \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp cu\u1ed1i c\u00f9ng v\u00e0o n\u0103m 2008 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p \u0111\u1ea7y \u0111\u1ee7 3 nh\u00f3m ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng (huy \u0111\u1ed9ng v\u1ed1n, c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 thanh to\u00e1n qua t\u00e0i kho\u1ea3n) v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nh\u01b0:<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Bao thanh to\u00e1n (ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng);<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mua tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 D\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd ti\u1ec1n m\u1eb7t, t\u01b0 v\u1ea5n ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 D\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd, b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n, cho thu\u00ea t\u1ee7, k\u00e9t an to\u00e0n;<\/p>\n

      +\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 U\u1ef7 th\u00e1c v\u00e0 nh\u1eadn u\u1ef7 th\u00e1c \u0111\u1ea7u t\u01b0,…<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p trong nhi\u1ec1u n\u0103m tr\u01b0\u1edbc c\u0169ng \u0111\u00e3 \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng tr\u00ean. V\u1eady t\u1ea1i sao sau khi c\u00f3 Lu\u1eadt C\u00e1c TCTD n\u0103m 2010 l\u1ea1i ph\u1ea3i xin ph\u00e9p l\u1ea1i t\u1eeb \u0111\u1ea7u nh\u1eefng ho\u1ea1t \u0111\u1ed9ng \u0111\u00e3 th\u1ef1c hi\u1ec7n t\u1eeb m\u1ea5y ch\u1ee5c n\u0103m tr\u01b0\u1edbc m\u00e0 NHNN l\u1ea1i kh\u00f4ng t\u1ef1 \u0111\u1ed9ng c\u1ea5p l\u1ea1i Gi\u1ea5y ph\u00e9p cho t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng? N\u1ebfu c\u1ee9 y\u00eau c\u1ea7u ph\u1ea3i l\u00e0m \u0111\u1ec1 \u00e1n, t\u1edd tr\u00ecnh xin c\u1ea5p ph\u00e9p l\u1ea1i, th\u00ec li\u1ec7u nhi\u1ec1u ng\u00e2n h\u00e0ng li\u1ec7u c\u00f3 ph\u1ea3i xin c\u1ea5p ph\u00e9p c\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u1ed1n, c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 thanh to\u00e1n qua t\u00e0i kho\u1ea3n, v\u00ec Gi\u1ea5y ph\u00e9p c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng ch\u01b0a h\u1ec1 \u0111\u01b0\u1ee3c ghi nh\u1eadn \u0111i\u1ec1u n\u00e0y?<\/p>\n

        \n
      1. L\u00e3i su\u1ea5t huy \u0111\u1ed9ng:<\/li>\n<\/ol>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 L\u1ee3i h\u1ea1i c\u1ee7a tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng? Tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u00f3 \u0111i ng\u01b0\u1ee3c l\u1ea1i quy lu\u1eadt t\u1ea5t y\u1ebfu c\u1ee7a th\u1ecb tr\u01b0\u1eddng kh\u00f4ng, c\u00f3 t\u00e1c d\u1ee5ng th\u1eadt s\u1ef1 gi\u00fap gi\u1ea3m l\u00e3i su\u1ea5t hay kh\u00f4ng hay l\u00e0 quy \u0111\u1ecbnh m\u1ed9t \u0111\u1eb1ng, th\u1ef1c t\u1ebf m\u1ed9t n\u1ebbo, ch\u1ec9 kh\u1ed5 nh\u00e0 ngh\u00e8o, b\u00e9o nh\u00e0 gi\u1ea7u, t\u00e0n ph\u00e1 chu\u1ea9n m\u1ef1c, nguy\u00ean t\u1eafc, k\u1ef7 c\u01b0\u01a1ng, \u0111\u1ea1o \u0111\u1ee9c c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang v\u00e0 c\u1ea3 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n g\u1eedi n\u00f3i chung?<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Sau m\u1ea5y n\u0103m \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, c\u1ea3 h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng li\u1ec7u bao nhi\u00eau ng\u00e0n t\u1ef7 \u0111\u1ed3ng chi v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t, b\u1ea5t h\u1ee3p ph\u00e1p, trong \u0111\u00f3 \u0111i\u1ec3n h\u00ecnh l\u00e0 v\u1ee5 ACB g\u1eedi ti\u1ec1n t\u1ea1i Vietinbank?<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 L\u00fac g\u1ea7n nh\u01b0 c\u1ea3 h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng \u0111\u1ec1u vi ph\u1ea1m, th\u00ec cho r\u1eb1ng kh\u00f4ng b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng.\u00a0B\u00e2y gi\u1edd \u0111\u00e3 v\u00e0 s\u1eafp h\u1ebft vi ph\u1ea1m, th\u00ec c\u00f3 c\u1ea7n b\u1ecf tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng n\u1eefa hay kh\u00f4ng, b\u1ecf th\u00ec c\u00f3 \u00fd ngh\u0129a ph\u00e1p l\u00fd hay th\u1ef1c t\u1ebf?<\/p>\n

          \n
        1. L\u00e3i su\u1ea5t cho vay:<\/li>\n<\/ol>\n

          –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Trong khi l\u00e3i su\u1ea5t vay m\u01b0\u1ee3n t\u1ed1i \u0111a \u1edf b\u00ean ngo\u00e0i trong su\u1ed1t 3 n\u0103m nay ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p h\u1ee3p ph\u00e1p kh\u00f4ng qu\u00e1 13,5%\/n\u0103m (L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n 9% x 150%), th\u00ec l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c TCTD l\u00ean \u0111\u1ebfn 72%\/n\u0103m (C\u00f4ng ty T\u00e0i ch\u00ednh PPF), th\u1eadm ch\u00ed c\u00f3 th\u1ec3 cao v\u00f4 t\u1eadn m\u00e0 v\u1eabn h\u1ee3p ph\u00e1p. Nh\u01b0 v\u1eady th\u00ec ph\u1ea3i ch\u0103ng ng\u00e2n h\u00e0ng th\u00ec th\u1ea3 c\u1eeda, b\u00ean ngo\u00e0i th\u00ec gi\u1edbi h\u1ea1n qu\u00e1 ch\u1eb7t? B\u00ean ngo\u00e0i ch\u1ec9 \u0111\u01b0\u1ee3c cho vay l\u00e3i m\u1ed9t, ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c cho vay l\u00e3i m\u01b0\u1eddi. L\u00e3i su\u1ea5t b\u00ean ngo\u00e0i th\u00ec c\u1ea5m c\u1ef1a, trong khi th\u1ea3 c\u1eeda ng\u00e2n h\u00e0ng?<\/p>\n

          –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1eady c\u00f3 c\u1ea7n \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t cho vay \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 c\u00f4ng b\u1eb1ng t\u1ed1i thi\u1ec3u gi\u1eefa ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 cho vay phi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hay kh\u00f4ng?<\/p>\n

            \n
          1. Vi\u1ec7c \u0111\u1ea3o n\u1ee3:<\/li>\n<\/ol>\n

            –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ea5n \u0111\u1ec1 b\u1ecf ng\u1ecf 15 n\u0103m nay (\u00edt nh\u1ea5t l\u00e0 t\u1eeb Lu\u1eadt C\u00e1c TCTD n\u0103m 1997 v\u00e0, \u0111ang \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Quy ch\u1ebf cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng hi\u1ec7n h\u00e0nh t\u1eeb n\u0103m 2001) ch\u01b0a \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi.<\/p>\n

            –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Th\u1ebf n\u00e0o l\u00e0 \u0111\u1ea3o n\u1ee3? C\u00f3 \u0111\u01b0\u1ee3c hi\u1ec3u theo quy \u0111\u1ecbnh sau t\u1ea1i kho\u1ea3n 21, \u0110i\u1ec1u 3 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Lu\u1eadt Qu\u1ea3n l\u00fd n\u1ee3 c\u00f4ng n\u0103m 2009:\u00a0\u201c\u0110\u1ea3o n\u1ee3 l\u00e0 vi\u1ec7c vay m\u1edbi \u0111\u1ec3 tr\u1ea3 m\u1ed9t ho\u1eb7c nhi\u1ec1u kho\u1ea3n n\u1ee3 hi\u1ec7n c\u00f3\u201d\u00a0hay kh\u00f4ng?<\/p>\n

            –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Vi\u1ec7c \u0111\u1ea3o n\u1ee3 b\u1ecb c\u1ea5m hay ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a NHNN hay \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n v\u00e0 n\u1ebfu th\u1ef1c hi\u1ec7n th\u00ec ph\u1ea3i l\u00e0m nh\u01b0 th\u1ebf n\u00e0o l\u00e0 \u0111\u00fang?<\/p>\n

              \n
            1. \u0110\u00f2i h\u1ecfi 3 ch\u1eef k\u00fd \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng c\u1ea5p b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng:<\/li>\n<\/ol>\n

              –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u1ed9t h\u1ee3p \u0111\u1ed3ng, c\u1ea7n 1 ch\u1eef k\u00fd c\u1ee7a kh\u00e1ch h\u00e0ng, nh\u01b0ng ph\u1ea3i 3 ch\u1eef k\u00fd c\u1ee7a ng\u00e2n h\u00e0ng. V\u1eady m\u1ed9t ch\u1eef k\u00fd c\u1ee7a kh\u00e1ch h\u00e0ng gi\u00e1 tr\u1ecb b\u1eb1ng 3 ch\u1eef k\u00fd c\u1ee7a TCTD hay kh\u00f4ng, c\u00f3 h\u1ea1 th\u1ea5p v\u1ecb th\u1ebf c\u1ee7a TCTD, k\u00e9o l\u00f9i l\u1ecbch s\u1eed hay kh\u00f4ng, c\u00f3 g\u00e1n gh\u00e9p g\u01b0\u1ee3ng g\u1ea1o ng\u01b0\u1eddi \u0111\u1ea3m nh\u1eadn 3 vai tr\u00f2 trong m\u1ed9t h\u1ee3p \u0111\u1ed3ng (Gi\u00e1m \u0111\u1ed1c, ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh kho\u1ea3n b\u1ea3o l\u00e3nh v\u00e0 ng\u01b0\u1eddi qu\u1ea3n l\u00fd r\u1ee7i ro);<\/p>\n

              –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00f3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c b\u1ea3n ch\u1ea5t v\u1ea5n \u0111\u1ec1 hay kh\u00f4ng, c\u00f3 c\u00e1ch g\u00ec h\u1ee3p l\u00fd h\u01a1n kh\u00f4ng?<\/p>\n

                \n
              1. <\/a> Gi\u1edbi h\u1ea1n d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng:<\/li>\n<\/ol>\n

                –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gi\u1edbi h\u1ea1n d\u01b0 n\u1ee3<\/em> c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c hay tr\u00f9ng v\u1edbi gi\u1edbi h\u1ea1n s\u1ed1 d\u01b0 c\u1ea5p t\u00edn d\u1ee5ng?<\/p>\n

                  \n
                1. Thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m:<\/li>\n<\/ol>\n

                  –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ed1i v\u1edbi ng\u00e0nh Ng\u00e2n h\u00e0ng, \u0111\u01b0\u01a1ng nhi\u00ean mong mu\u1ed1n kh\u00f4ng \u0111\u00e1nh thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m. Nh\u01b0ng nh\u00ecn to\u00e0n c\u1ee5c m\u00e0 \u0111\u00e1nh \u0111\u1ed3ng m\u1ecdi m\u1ee9c thu nh\u1eadp th\u00ec c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t ch\u00ednh s\u00e1ch t\u1ed3i, k\u00ecm h\u00e3m ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf hay kh\u00f4ng?<\/p>\n

                  –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng \u0111\u00e1nh thu\u1ebf thu nh\u1eadp ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, nh\u01b0ng c\u00f3 c\u1ea7n \u0111\u00e1nh thu\u1ebf ti\u1ec1n g\u1eedi \u0111\u1ea7u t\u01b0 hay kh\u00f4ng? Mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng, th\u00ec l\u00e3i m\u1ed9t \u0111\u1ed3ng c\u0169ng b\u1ecb \u0111\u00e1nh thu\u1ebf 5% trong khi g\u1eedi h\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m t\u1ef7, h\u01b0\u1edfng l\u00e3i m\u1ed7i n\u0103m h\u00e0ng t\u1ef7 \u0111\u1ed3ng, th\u00ec kh\u00f4ng c\u00f2n \u0111\u01a1n thu\u1ea7n l\u00e0 ti\u1ebft ki\u1ec7m \u0111\u1ec3 d\u01b0\u1ee1ng gi\u00e0, ph\u00f2ng b\u1ea5t tr\u1eafc hay l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 l\u1edbn.<\/p>\n

                    \n
                  1. H\u1ea1n ch\u1ebf cho vay \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh l\u00e0 ai?<\/li>\n
                  2. Quy \u0111\u1ecbnh m\u1eb7c nhi\u00ean k\u00e9o d\u00e0i th\u1eddi h\u1ea1n b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng khi ng\u00e0y cu\u1ed1i c\u00f9ng tr\u00f9ng v\u1edbi ng\u00e0y ngh\u1ec9 \u0111\u00fang hay sai?<\/li>\n
                  3. L\u00e3i t\u00edn d\u1ee5ng c\u00f3 \u0111\u01b0\u1ee3c nh\u1eadp g\u1ed1c hay kh\u00f4ng?<\/li>\n
                  4. T\u1eb7ng cho th\u1ebb ti\u1ebft ki\u1ec7m ngo\u1ea1i t\u1ec7 \u0111\u01b0\u1ee3c kh\u00f4ng?<\/li>\n
                  5. Hi\u1ec7n nay, m\u1ed9t ng\u00e2n h\u00e0ng kh\u00f4ng bi\u1ebft \u0111\u01b0\u1ee3c mua c\u1ed5 ph\u1ea7n c\u1ee7a m\u1ea5y ng\u00e2n h\u00e0ng?<\/li>\n
                  6. \u0110i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp chi nh\u00e1nh, ph\u00f2ng giao d\u1ecbch, qu\u1ef9 ti\u1ebft ki\u1ec7m?<\/li>\n
                  7. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 kh\u1edfi ki\u1ec7n \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng tr\u1ed1n, d\u1ea5u \u0111\u1ecba ch\u1ec9 \u0111\u1ec3 thu h\u1ed3i n\u1ee3 x\u1ea5u?<\/li>\n
                  8. 30 v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m (xem t\u00e0i li\u1ec7u k\u00e8m theo).<\/li>\n
                  9. T\u00e0i li\u1ec7u tham kh\u1ea3o:<\/strong><\/li>\n
                  10. Di\u1ec5n \u0111\u00e0n C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng:<\/li>\n<\/ol>\n

                    http:\/\/diendan.vnba.org.vn\/index.php<\/a><\/p>\n

                      \n
                    1. Con s\u1ed1 v\u00f4 h\u1ed3n:<\/li>\n
                    2. Theo To\u00e0 v\u00f4 gi\u00e1 tr\u1ecb, theo B\u1ed9 v\u00f4 hi\u1ec7u l\u1ef1c:<\/li>\n<\/ol>\n

                      http:\/\/thoibaonganhang.vn\/index.php\/tin-tuc\/5-khuyen-khich-gian-lan–boi-uoc-9580.html<\/a><\/p>\n

                        \n
                      1. B\u00ecnh lu\u1eadn v\u1ec1 nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a ph\u00e1p lu\u1eadt giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:\u00a0<\/strong><\/li>\n<\/ol>\n

                        B\u00e0i vi\u1ebft \u0111\u0103ng Th\u1eddi b\u00e1o Kinh t\u1ebf SG s\u1ed1 19-2013 ng\u00e0y 09-5-2013:\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/em><\/strong><\/p>\n

                        CON S\u1ed0 V\u00d4 H\u1ed2N<\/strong>[1]<\/strong><\/a><\/p>\n

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

                        Tr\u1ecdng t\u00e0i vi\u00ean VIAC – C\u00f4ng ty Lu\u1eadt ANVI<\/p>\n

                        TBKTSG s\u1ed1 18-2013 ng\u00e0y 2-5-2013 c\u00f3 b\u00e0i Ng\u1ed3i tr\u00ean tr\u1eddi x\u1eed \u00e1n, trong \u0111\u00f3 c\u00f3 nh\u1eafc \u0111\u1ebfn m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n 9% \u0111\u00e3 khuy\u1ebfn kh\u00edch vi\u1ec7c chi\u1ebfm d\u1ee5ng v\u1ed1n trong b\u1ed1i c\u1ea3nh tranh ch\u1ea5p v\u1ec1<\/em> kinh doanh \u0111ang ng\u00e0y c\u00e0ng gia t\u0103ng. B\u00e0i vi\u1ebft n\u00e0y cho th\u1ea5y con s\u1ed1<\/em>[2]<\/a> l<\/em>\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ch\u1ec9 <\/em>c\u00f2n <\/em>l\u00e0 m\u1ed9t con s\u1ed1 v\u00f4 ngh\u0129a, kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, <\/em>ch\u1eb3ng<\/em> li\u00ean quan g\u00ec \u0111\u1ebfn l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay<\/em> trong nhi\u1ec1u n\u0103m qua<\/em>. Nh\u01b0ng n\u00f3 l\u1ea1i c\u00f3 \u00fd ngh\u0129a ph\u00e1p l\u00fd v\u00e0 th\u1ef1c t\u1ebf v\u00f4 c\u00f9ng quan tr\u1ecdng, g\u1eafn li\u1ec1n v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch kinh t\u1ebf, d\u00e2n s\u1ef1 c\u00f3 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t v\u00e0 thanh to\u00e1n.<\/em><\/p>\n

                        Gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t<\/strong><\/p>\n

                        \u0110i\u1ec1u 476<\/a> v\u1ec1 l\u00e3i su\u1ea5t, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh: \u201cL\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng\u201d. Vi\u1ec7c quy \u0111\u1ecbnh l\u00e3i su\u1ea5t vay ti\u1ec1n c\u0103n c\u1ee9 v\u00e0o l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n xu\u1ea5t ph\u00e1t t\u1eeb quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 9, Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam n\u0103m 1997: \u201cL\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 l\u00e3i su\u1ea5t do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 l\u00e0m c\u01a1 s\u1edf cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t kinh doanh.\u201d<\/p>\n

                        Trong nhi\u1ec1u n\u0103m sau \u0111\u00f3, l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh xoay quanh l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Khi \u0111\u00f3, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh \u201ctr\u00ean c\u01a1 s\u1edf tham kh\u1ea3o m\u1ee9c l\u00e3i su\u1ea5t cho vay th\u01b0\u01a1ng m\u1ea1i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng t\u1ed1t nh\u1ea5t c\u1ee7a nh\u00f3m c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn\u201d (Quy\u1ebft \u0111\u1ecbnh s\u1ed1 241\/2000\/Q\u0110-NHNN1 ng\u00e0y 02-8-2000 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc), t\u1ee9c l\u00e0 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay trung b\u00ecnh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. T\u1eeb n\u0103m 2000 \u0111\u1ebfn nay, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, th\u1ea5p nh\u1ea5t l\u00e0 7% (n\u0103m 2009) v\u00e0 cao nh\u1ea5t l\u00e0 14%\/n\u0103m (n\u0103m 2008) tu\u1ef3 thu\u1ed9c v\u00e0o di\u1ec5n bi\u1ebfn c\u1ee7a th\u1ecb tr\u01b0\u1eddng. Nh\u01b0ng t\u1eeb th\u00e1ng 10-2010 \u0111\u1ebfn nay, con s\u1ed1 n\u00e0y \u0111\u00e3 b\u1ecb \u201c\u00e1n binh b\u1ea5t \u0111\u1ed9ng” \u1edf m\u1ee9c 9%\/n\u0103m. V\u00e0 ch\u00ednh con s\u1ed1 v\u00f4 h\u1ed3n n\u00e0y \u0111\u00e3 tr\u1edf th\u00e0nh th\u1ee7 ph\u1ea1m c\u1ee7a nhi\u1ec1u v\u1ea5n \u0111\u1ec1<\/em> li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t<\/em>[3]<\/a>.<\/em><\/p>\n

                        Ng\u00e2n h\u00e0ng v\u01b0\u1ee3t gi\u1edbi h\u1ea1n<\/strong><\/p>\n

                        Tuy B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01-01-2006, nh\u01b0ng ng\u00e0nh Ng\u00e2n h\u00e0ng ch\u1ec9 \u00e1p d\u1ee5ng quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n trong m\u1ed9t th\u1eddi gian ng\u1eafn. C\u1ee5 th\u1ec3 l\u00e0 b\u1eaft \u0111\u1ea7u t\u1eeb ng\u00e0y 19-5-2008 (theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 16\/2008\/Q\u0110-NHNN ng\u00e0y 16-5-2008), sau \u0111\u00f3 \u201ctho\u00e1t\u201d d\u1ea7n m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y 01-02-2009 (theo Th\u00f4ng t\u01b0 s\u1ed1 01\/2009\/TT-NHNN ng\u00e0y 23-01-2009) v\u00e0 \u201cly khai\u201d h\u1eb3n gi\u1edbi h\u1ea1n n\u00e0y k\u1ec3 t\u1eeb ng\u00e0y 14-4-2010 (theo Th\u00f4ng t\u01b0 s\u1ed1 12\/2010\/TT-NHNN ng\u00e0y 14-4-2010).<\/p>\n

                        Ngo\u00e0i n\u0103m l\u0129nh v\u1ef1c (ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n; th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n SXKD h\u00e0ng xu\u1ea5t kh\u1ea9u; ph\u1ee5c v\u1ee5 SXKD c\u1ee7a doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba; ph\u00e1t tri\u1ec3n ng\u00e0nh c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3 v\u00e0 ph\u1ee5c v\u1ee5 SXKD c\u1ee7a doanh nghi\u1ec7p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao), n\u1ebfu nh\u01b0 \u201cc\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh minh b\u1ea1ch, l\u00e0nh m\u1ea1nh.\u201d, th\u00ec c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i kh\u00f4ng qu\u00e1 11%\/n\u0103m, c\u00f2n l\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 m\u1eb7c s\u1ee9c cho vay v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0 cao bao nhi\u00eau c\u0169ng v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p.<\/p>\n

                        Nh\u01b0 v\u1eady, ch\u1ec9 sau m\u1ed9t kho\u1ea3ng th\u1eddi gian ng\u1eafn ch\u1ea5p h\u00e0nh gi\u1edbi h\u1ea1n 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n trong ng\u00e0nh Ng\u00e2n h\u00e0ng, th\u00ec Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 th\u1ea5y qu\u00e1 phi th\u1ef1c t\u1ebf, kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. Do \u0111\u00f3, C\u01a1 quan n\u00e0y \u0111\u00e3<\/em>[4]<\/a> t\u1eebng 4 l\u1ea7n \u0111\u1ec1 xu\u1ea5t ch\u1ec9nh s\u1eeda n\u1edbi r\u1ed9ng gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t. \u0110\u1ed3ng th\u1eddi, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 t\u1ef1 t\u00ecm c\u00e1ch tho\u00e1t kh\u1ecfi \u201cv\u00f2ng kim c\u00f4\u201d n\u00e0y v\u00e0 b\u1ecf m\u1eb7c s\u1ef1 kh\u00f3 kh\u0103n \u201coan tr\u00e1i\u201d cho c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c.<\/p>\n

                        L\u0129nh v\u1ef1c kh\u00e1c v\u1eabn ph\u1ea3i theo<\/strong><\/p>\n

                        Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 kh\u00f4ng c\u00f2n \u201cd\u00e2y d\u01b0a\u201d g\u00ec v\u1edbi con s\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u0169ng nh\u01b0 gi\u1edbi h\u1ea1n 150%. Nh\u01b0ng h\u00e0ng ngh\u00ecn th\u1ea9m ph\u00e1n To\u00e0 \u00e1n, h\u00e0ng v\u1ea1n h\u1ee3p \u0111\u1ed3ng kinh doanh, th\u01b0\u01a1ng m\u1ea1i, h\u00e0ng tri\u1ec7u giao k\u1ebft d\u00e2n s\u1ef1 v\u1eabn ph\u1ea3i d\u1ef1a v\u00e0o con s\u1ed1 v\u00f4 h\u1ed3n \u0111\u00f3. L\u00fd l\u1ebd, ph\u1ea3i tr\u00e1i, \u0111\u00fang sai c\u0169ng \u0111\u1ec1u ph\u1ea3i b\u00e1m l\u1ea5y c\u01a1 s\u1edf l\u00e0 con s\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n.<\/p>\n

                        Do l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh qu\u00e1 th\u1ea5p, n\u00ean vay ti\u1ec1n ngo\u00e0i ng\u00e2n h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c l\u00e0 cao h\u01a1n 13,5%\/n\u0103m l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p, ra to\u00e0 s\u1ebd b\u1ecb b\u00e1c b\u1ecf, ng\u00e0nh Thu\u1ebf c\u0169ng kh\u00f4ng cho ph\u00e9p h\u1ea1ch to\u00e1n v\u00e0o chi ph\u00ed h\u1ee3p l\u1ec7, h\u1ee3p ph\u00e1p \u0111\u1ec3 t\u00ednh thu\u1ebf thu nh\u1eadp. R\u1ed3i vi\u1ec7c tho\u1ea3 thu\u1eadn m\u1ee9c ph\u1ea1t ch\u1eadm th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thanh to\u00e1n qu\u00e1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c l\u00e0 qu\u00e1 9%\/n\u0103m c\u0169ng l\u00e0 tr\u00e1i lu\u1eadt.<\/p>\n

                        Doanh nghi\u1ec7p, c\u00e1 nh\u00e2n mu\u1ed1n vay ng\u00e2n h\u00e0ng, th\u00ec th\u01b0\u1eddng l\u00e0 ph\u1ea3i c\u00f3 ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n s\u1ea3n xu\u1ea5t, kinh doanh ho\u1eb7c ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng an to\u00e0n, hi\u1ec7u qu\u1ea3, kh\u1ea3 thi, c\u00f9ng\u00a0v\u1edbi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ea7y \u0111\u1ee7 v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p c\u00f3 n\u1ee3 x\u1ea5u. Kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3, t\u1ee9c l\u00e0 r\u1ee7i ro cao, th\u00ec nhi\u1ec1u kh\u1ea3 n\u0103ng l\u00e0 ph\u1ea3i \u0111i vay b\u00ean ngo\u00e0i v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n. R\u1ee7i ro th\u1ea5p, th\u00ec l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i 13,5% tr\u1edf l\u00ean (tr\u01b0\u1edbc \u0111\u00e2y c\u00f2n l\u00ean \u0111\u1ebfn tr\u00ean 20%\/n\u0103m). Trong khi \u0111\u00f3, r\u1ee7i ro cao, nh\u01b0ng l\u00e3i su\u1ea5t vay ngo\u00e0i ng\u00e2n h\u00e0ng, l\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p kh\u00f4ng qu\u00e1 13,5%\/n\u0103m.<\/p>\n

                        H\u1eadu qu\u1ea3 tai h\u1ea1i<\/strong><\/p>\n

                        Gi\u1edbi h\u1ea1n l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 13,5%\/n\u0103m v\u00e0 l\u00e3i su\u1ea5t ph\u1ea1t kh\u00f4ng qu\u00e1 9%\/n\u0103m \u0111\u00e3 d\u1eabn \u0111\u1ebfn m\u1ed9t h\u1ec7 qu\u1ea3 tai h\u1ea1i l\u00e0: Khuy\u1ebfn kh\u00edch vi\u1ec7c ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3, v\u00ec c\u00e0ng \u0111\u1ec3 l\u00e2u c\u00e0ng c\u00f3 l\u1ee3i v\u1ec1 ti\u1ec1n b\u1ea1c, hay \u00edt ra c\u0169ng ch\u1eb3ng thi\u1ec7t h\u1ea1i g\u00ec h\u01a1n vi\u1ec7c tr\u1ea3 \u0111\u00fang h\u1ea1n. Nh\u01b0 v\u1eady, hi\u1ec3n nhi\u00ean l\u00e0 ng\u01b0\u1eddi ta s\u1eb5n s\u00e0ng ch\u00e0 \u0111\u1ea1p m\u1ecdi cam k\u1ebft, coi th\u01b0\u1eddng ph\u00e1n quy\u1ebft c\u1ee7a To\u00e0, ph\u1edbt l\u1edd m\u1ec7nh l\u1ec7nh c\u1ee7a Thi h\u00e0nh \u00e1n v\u00e0 khinh nh\u1eddn ph\u00e1p lu\u1eadt.<\/p>\n

                        Trong qu\u00e3ng th\u1eddi gian l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ng\u1eafn h\u1ea1n d\u01b0\u1edbi 12 th\u00e1ng bi\u1ebfn \u0111\u1ed9ng t\u1eeb 7,5% \u0111\u1ebfn 14%\/n\u0103m, nh\u01b0ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n th\u00ec v\u1eabn c\u1ee9 b\u1ea5t bi\u1ebfn 9%\/n\u0103m. Kh\u00f4ng th\u1ec3 l\u00fd gi\u1ea3i \u0111\u01b0\u1ee3c vi\u1ec7c \u0111\u1ec3 k\u00e9o d\u00e0i t\u00ecnh tr\u1ea1ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ch\u1ec9 b\u1eb1ng m\u1ed9t n\u1eeda l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng, th\u1eadm ch\u00ed c\u00f2n th\u1ea5p h\u01a1n c\u1ea3 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi. V\u00ec quy \u0111\u1ecbnh qu\u00e1 ra r\u1eddi th\u1ef1c t\u1ebf, cho n\u00ean l\u00e0m cho b\u00e0n d\u00e2n thi\u00ean h\u1ea1 tr\u01b0\u1eddng k\u1ef3 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/em>[5]<\/a><\/p>\n

                        Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c \u1ea5n \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n kh\u00f4ng \u0103n nh\u1eadp v\u1edbi \u0111\u00f2i h\u1ecfi ch\u00ednh \u0111\u00e1ng c\u1ee7a cu\u1ed9c s\u1ed1ng. N\u1ebfu gi\u1edbi h\u1ea1n 150% l\u00e0 s\u1ef1 v\u00f4 l\u00fd, th\u00ec con s\u1ed1 9% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u00e0ng v\u00f4 l\u00fd h\u01a1n.<\/p>\n

                        Giao d\u1ecbch d\u01b0\u1edbi m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 kh\u00f4ng ph\u1ea1m lu\u1eadt. Vay m\u01b0\u1ee3n v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 ph\u1ea1m lu\u1eadt.<\/em>[6]<\/a> V\u00ec v\u1eady, v\u1ec1 l\u00e2u d\u00e0i, kh\u00f4ng th\u1ec3 kh\u00f4ng s\u1eeda t\u1ef7 l\u1ec7 150% n\u00f3i tr\u00ean, nh\u01b0ng tr\u01b0\u1edbc m\u1eaft c\u1ea7n ph\u1ea3i \u1ea5n \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n trong n\u0103m ngo\u00e1i l\u00e0 kh\u00f4ng th\u1ec3 th\u1ea5p h\u01a1n 18% v\u00e0 hi\u1ec7n nay \u00edt ra c\u0169ng ph\u1ea3i l\u00e0 12%, thay v\u00ec con s\u1ed1 v\u00f4 h\u1ed3n 9%\/n\u0103m. Ch\u1ec9 c\u00f3 nh\u01b0 v\u1eady, th\u00ec ng\u00e0nh Ng\u00e2n h\u00e0ng m\u1edbi kh\u00f4ng c\u1ee9 \u201cm\u1ed9t m\u00ecnh m\u1ed9t chi\u1ebfu\u201d v\u00e0 ph\u00e1p lu\u1eadt m\u1edbi kh\u00f4ng d\u1ed3n ng\u01b0\u1eddi ta v\u00e0o t\u00ecnh th\u1ebf bu\u1ed9c ph\u1ea3i vi ph\u1ea1m, kh\u00f4ng ti\u1ebfp tay cho \u201cth\u1ee7 ph\u1ea1m\u201d \u0111\u1ec3 g\u00e2y h\u1ea1i cho \u201cn\u1ea1n nh\u00e2n\u201d trong c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 c\u0169ng nh\u01b0 kinh doanh, th\u01b0\u01a1ng m\u1ea1i<\/em>. [7]<\/a><\/p>\n

                        —————–<\/strong><\/p>\n

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

                        Email: truongthanhduc@yahoo.com<\/em><\/p>\n

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

                         <\/p>\n

                        B\u00e0i vi\u1ebft \u0111\u0103ng Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng 28-6-2013:<\/em><\/p>\n

                        Khuy\u1ebfn kh\u00edch\u2026 gian l\u1eadn, b\u1ed9i \u01b0\u1edbc?[8]<\/strong><\/a><\/p>\n

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

                        N\u1ebfu ph\u1ee7 nh\u1eadn ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m v\u00ec ch\u1eef b\u1ea3o l\u00e3nh v\u00e0 th\u1ebf ch\u1ea5p, th\u00ec ch\u1eb3ng kh\u00e1c n\u00e0o ph\u00e1p lu\u1eadt khuy\u1ebfn kh\u00edch vi\u1ec7c vi ph\u1ea1m, b\u1ed9i \u01b0\u1edbc; b\u1ea3o v\u1ec7 h\u00e0nh vi gian l\u1eadn, l\u1eeba \u0111\u1ea3o; \u0111\u1ed3ng th\u1eddi ch\u1eb7n \u0111\u1ee9ng kh\u1ea3 n\u0103ng x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ch\u1ee7 n\u1ee3 v\u00e0 v\u00f4 hi\u1ec7u ho\u00e1 quy\u1ec1n \u01b0u ti\u00ean cao nh\u1ea5t c\u1ee7a ch\u1ee7 n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

                        Khi quan t\u00f2a\u2026 \u201cm\u01a1 ng\u1ee7\u201d<\/strong><\/p>\n

                        Ti\u1ebfp theo vi\u1ec7c m\u1ed9t s\u1ed1 t\u00f2a \u00e1n t\u1ea1i t\u1ec9nh Qu\u1ea3ng Ng\u00e3i tuy\u00ean v\u00f4 hi\u1ec7u v\u1edbi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u1ee7a b\u00ean th\u1ee9 ba v\u00e0 \u0111\u00e3 b\u1ecb T\u00f2a \u00e1n t\u1ed1i cao tuy\u00ean h\u1ee7y v\u1edbi b\u1ea3n \u00e1n n\u00e0y, t\u00ecnh tr\u1ea1ng \u0111\u01b0\u1ee3c gi\u1edbi lu\u1eadt s\u01b0 xem l\u00e0 nguy hi\u1ec3m n\u00e0y l\u1ea1i ti\u1ebfp t\u1ee5c l\u1eb7p l\u1ea1i \u1edf m\u1ed9t s\u1ed1 t\u00f2a \u00e1n t\u1ea1i TP. H\u1ed3 Ch\u00ed Minh, m\u1ed9t trung t\u00e2m l\u1edbn nh\u1ea5t c\u1ee7a c\u1ea3 n\u01b0\u1edbc v\u1ec1 kinh t\u1ebf.<\/p>\n

                        Quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt ph\u00e1p thi\u1ebfu ch\u1eb7t ch\u1ebd khi\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u00eam r\u1ee7i ro<\/em><\/p>\n

                        T\u1ea1i B\u1ea3n \u00e1n ph\u00fac th\u1ea9m s\u1ed1 105\/2013\/KDTM-PT ng\u00e0y 18\/1\/2013 v\u1ec1 tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa NHTMCP Xu\u1ea5t nh\u1eadp kh\u1ea9u Vi\u1ec7t Nam (Eximbank) v\u00e0 C\u00f4ng ty TNHH SX-TM Cao su Th\u00e0nh C\u00f4ng, T\u00f2a \u00e1n Nh\u00e2n d\u00e2n TP. H\u1ed3 Ch\u00ed Minh v\u1eabn coi m\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t (QSD\u0110) c\u1ee7a b\u00ean th\u1ee9 ba l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh v\u00e0 tuy\u00ean x\u1eed h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p n\u00e0y l\u00e0 v\u00f4 hi\u1ec7u.<\/p>\n

                        \u0110i\u1ec1u n\u00e0y cho th\u1ea5y m\u1ed9t s\u1ed1 th\u1ea9m ph\u00e1n, ch\u1ee7 t\u1ecda c\u00e1c phi\u00ean t\u00f2a n\u00e0y \u0111\u00e3 c\u1ed1 t\u00ecnh kh\u00f4ng hi\u1ec3u ho\u1eb7c kh\u00f4ng ch\u1ecbu c\u1eadp nh\u1eadt th\u00f4ng tin khi tr\u01b0\u1edbc \u0111\u00f3, v\u1edbi t\u00ednh ch\u1ea5t v\u1ee5 vi\u1ec7c t\u01b0\u01a1ng t\u1ef1 v\u1edbi NHTMCP Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam (Vietcombank) h\u1ed3i th\u00e1ng 5\/2012, khi To\u00e0 \u00e1n Nh\u00e2n d\u00e2n t\u1ed1i cao t\u1ea1i \u0110\u00e0 N\u1eb5ng \u0111\u00e3 b\u00e1c b\u1ecf to\u00e0n b\u1ed9 b\u1ea3n \u00e1n s\u01a1 th\u1ea9m tuy\u00ean v\u00f4 hi\u1ec7u khi coi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u1ee7a b\u00ean th\u1ee9 ba l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh.<\/p>\n

                        H\u1ed9i \u0111\u1ed3ng x\u00e9t x\u1eed T\u00f2a ph\u00fac th\u1ea9m cho r\u1eb1ng, m\u1eb7c d\u00f9 h\u1ee3p \u0111\u1ed3ng s\u1eed d\u1ee5ng t\u1eeb ng\u1eef \u1edf ph\u1ea7n ti\u00eau \u0111\u1ec1 ch\u01b0a \u0111\u01b0\u1ee3c chu\u1ea9n x\u00e1c, nh\u01b0ng x\u00e9t v\u1ec1 n\u1ed9i dung, b\u00ean th\u1ee9 ba \u0111\u1ec1u l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n l\u00e0 QSD\u0110 \u0111\u00e3 th\u1ecfa thu\u1eadn v\u00e0 c\u00f3 n\u1ed9i dung cam k\u1ebft r\u00f5 trong h\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n r\u1eb1ng: \u0111\u1ed3ng \u00fd th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 QSD\u0110 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ngh\u0129a v\u1ee5 thanh to\u00e1n cho b\u00ean vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng kh\u00f4ng gi\u1edbi h\u1ea1n \u1edf n\u1ee3 g\u1ed1c, n\u1ee3 l\u00e3i, l\u00e3i qu\u00e1 h\u1ea1n v\u00e0 ph\u00ed ph\u00e1t sinh t\u1eeb kho\u1ea3n n\u1ee3 vay ho\u1eb7c li\u00ean quan \u0111\u1ebfn kho\u1ea3n n\u1ee3 vay c\u1ee7a c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c k\u00fd gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 DN.<\/p>\n

                        Nh\u01b0 v\u1eady, b\u00ean th\u1ee9 ba \u0111\u00e3 th\u1ec3 hi\u1ec7n r\u00f5 \u00fd ch\u00ed \u0111\u1ed3ng \u00fd d\u00f9ng t\u00e0i s\u1ea3n l\u00e0 QSD\u0110 c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o l\u00e3nh nh\u1eb1m \u0111\u1ea3m b\u1ea3o cho kho\u1ea3n vay c\u1ee7a DN t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c l\u1eadp th\u00e0nh v\u0103n b\u1ea3n v\u00e0 ba b\u00ean c\u00f9ng k\u00fd tr\u01b0\u1edbc c\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc. \u00c1n s\u01a1 th\u1ea9m x\u1eed tuy\u00ean b\u1ed1 v\u00f4 hi\u1ec7u \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u00f9ng v\u1edbi l\u1eddi ch\u1ee9ng th\u1ef1c c\u1ee7a c\u00f4ng ch\u1ee9ng vi\u00ean v\u00e0 v\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd QSD\u0110 l\u00e0 kh\u00f4ng \u0111\u00fang ph\u00e1p lu\u1eadt.<\/p>\n

                        Hai kh\u00e1i ni\u1ec7m,\u00a0 m\u1ed9t b\u1ea3n ch\u1ea5t<\/strong><\/p>\n

                        H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p hay b\u1ea3o l\u00e3nh \u0111\u1ec1u \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng ph\u1ee5 c\u1ee7a c\u00e1c h\u1ee3p \u0111\u1ed3ng ch\u00ednh v\u1ec1 d\u00e2n s\u1ef1, kinh doanh, th\u01b0\u01a1ng m\u1ea1i, nh\u01b0ng l\u1ea1i c\u00f3 vai tr\u00f2 \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng, nh\u1ea5t l\u00e0 trong ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng. N\u00f3 c\u0169ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng ph\u1ee5 kh\u00e1c \u1edf ch\u1ed7: d\u00f9 h\u1ee3p \u0111\u1ed3ng ch\u00ednh l\u00e0 t\u00edn d\u1ee5ng v\u00f4 hi\u1ec7u nh\u01b0ng h\u1ee3p \u0111\u1ed3ng ph\u1ee5 l\u00e0 th\u1ebf ch\u1ea5p v\u1eabn c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

                        \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m b\u1eb1ng QSD\u0110, d\u00f9 c\u00f3 s\u1eed d\u1ee5ng t\u1eeb b\u1ea3o l\u00e3nh hay th\u1ebf ch\u1ea5p, th\u00ec v\u1ec1 b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd c\u0169ng v\u1eabn ho\u00e0n to\u00e0n nh\u01b0 nhau. \u0110\u00f3 l\u00e0 vi\u1ec7c b\u00ean th\u1ebf ch\u1ea5p ho\u00e0n to\u00e0n t\u1ef1 nguy\u1ec7n cam k\u1ebft d\u00f9ng QSD\u0110 c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a m\u00ecnh ho\u1eb7c c\u1ee7a ng\u01b0\u1eddi kh\u00e1c. V\u1ec1 h\u00ecnh th\u1ee9c v\u00e0 th\u1ee7 t\u1ee5c th\u00ec \u0111\u00e3 \u0111\u01b0\u1ee3c l\u00e0m b\u1eb1ng v\u0103n b\u1ea3n, \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng x\u00e1c nh\u1eadn v\u00e0 v\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd QSD\u0110 \u0111\u0103ng k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p.<\/p>\n

                        V\u00ec v\u1eady, gi\u1ea3 s\u1eed c\u00f3 s\u1ef1 nh\u1ea7m l\u1eabn gi\u1eefa h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh theo quy \u0111\u1ecbnh v\u1edbi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 ch\u1ec9 v\u00ec t\u1eeb ng\u1eef kh\u00e1c nhau \u0111\u00f3 m\u00e0 ph\u1ee7 nh\u1eadn cam k\u1ebft, b\u00e1c b\u1ecf h\u1ee3p \u0111\u1ed3ng, thay \u0111\u1ed5i b\u1ea3n ch\u1ea5t ph\u00e1p l\u00fd. C\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng kh\u00f4ng th\u1ec3 b\u1ecb v\u00f4 hi\u1ec7u ch\u1ec9 v\u00ec vi\u1ebft sai c\u1ee5m t\u1eeb h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 th\u00e0nh h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf. N\u1ebfu ph\u1ee7 nh\u1eadn ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m v\u00ec ch\u1eef b\u1ea3o l\u00e3nh v\u00e0 th\u1ebf ch\u1ea5p, th\u00ec ch\u1eb3ng kh\u00e1c n\u00e0o ph\u00e1p lu\u1eadt khuy\u1ebfn kh\u00edch vi\u1ec7c vi ph\u1ea1m, b\u1ed9i \u01b0\u1edbc; b\u1ea3o v\u1ec7 h\u00e0nh vi gian l\u1eadn, l\u1eeba \u0111\u1ea3o; \u0111\u1ed3ng th\u1eddi ch\u1eb7n \u0111\u1ee9ng kh\u1ea3 n\u0103ng x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ch\u1ee7 n\u1ee3 v\u00e0 v\u00f4 hi\u1ec7u ho\u00e1 quy\u1ec1n \u01b0u ti\u00ean cao nh\u1ea5t c\u1ee7a ch\u1ee7 n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

                        Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c c\u01a1 quan c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p 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 QSD\u0110 n\u00f3i ri\u00eang. T\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m b\u1eb1ng QSD\u0110 hi\u1ec7n nay \u0111\u1ec1u v\u1eabn \u0111\u01b0\u1ee3c ghi l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p theo \u0111\u00fang b\u1ea3n ch\u1ea5t giao d\u1ecbch.<\/p>\n

                        T\u00f2a \u00e1n hi\u1ec3u sai lu\u1eadt?<\/strong><\/p>\n

                        C\u00e1c chuy\u00ean gia ph\u00e1p lu\u1eadt cho r\u1eb1ng, c\u00e1ch \u00e1p d\u1ee5ng lu\u1eadt m\u1ed9t c\u00e1ch m\u00e1y m\u00f3c trong x\u00e9t x\u1eed cho th\u1ea5y ng\u00e0nh T\u00f2a \u00e1n \u0111ang l\u00fang t\u00fang trong c\u00e1ch hi\u1ec3u ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh c\u0169ng nh\u01b0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng. M\u1eb7c d\u00f9 quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o l\u00e3nh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 ch\u01b0a ph\u00e2n bi\u1ec7t th\u1eadt r\u00f5 gi\u1eefa th\u1ebf ch\u1ea5p v\u00e0 c\u1ea7m c\u1ed1, nh\u01b0ng trong Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 \u0111\u01b0\u1ee3c ban h\u00e0nh tr\u01b0\u1edbc \u0111\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u1ea3 vi\u1ec7c th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh b\u1eb1ng QSD\u0110.<\/p>\n

                        Tuy nhi\u00ean, kho\u1ea3n 4, \u0110i\u1ec1u 72 v\u1ec1 \u201cHi\u1ec7u l\u1ef1c thi h\u00e0nh\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29\/12\/2006 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, c\u0169ng nh\u01b0 kho\u1ea3n 1, \u0110i\u1ec1u 31 \u201cQuy \u0111\u1ecbnh chi ti\u1ebft v\u1ec1 vi\u1ec7c th\u1ef1c hi\u1ec7n quy\u1ec1n th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng QSD\u0110 v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 84\/2007\/N\u0110-CP ng\u00e0y 25\/5\/2007 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh b\u1ed5 sung v\u1ec1 vi\u1ec7c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn QSD\u0110, thu h\u1ed3i \u0111\u1ea5t, th\u1ef1c hi\u1ec7n QSD\u0110, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c b\u1ed3i th\u01b0\u1eddng, h\u1ed7 tr\u1ee3, t\u00e1i \u0111\u1ecbnh c\u01b0 khi Nh\u00e0 n\u01b0\u1edbc thu h\u1ed3i \u0111\u1ea5t v\u00e0 gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i v\u1ec1 \u0111\u1ea5t \u0111ai, \u0111\u1ec1u quy \u0111\u1ecbnh r\u00f5: Vi\u1ec7c b\u1ea3o l\u00e3nh b\u1eb1ng QSD\u0110 theo Lu\u1eadt \u0110\u1ea5t \u0111ai v\u00e0 c\u00e1c Ngh\u1ecb \u0111\u1ecbnh li\u00ean quan \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 th\u1ebf ch\u1ea5p b\u1eb1ng QSD\u0110 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c. Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005 c\u0169ng nh\u01b0 t\u1ea5t c\u1ea3 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p, B\u1ed9 T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng, B\u1ed9 T\u00e0i ch\u00ednh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, m\u1eabu v\u0103n b\u1ea3n, c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng, \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, thu ph\u00ed giao d\u1ecbch… c\u0169ng ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c th\u1ebf ch\u1ea5p, ch\u1ee9 kh\u00f4ng h\u1ec1 nh\u1eafc \u0111\u1ebfn t\u1eeb b\u1ea3o l\u00e3nh nh\u01b0 tr\u01b0\u1edbc khi c\u00f3 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n

                        S\u1ef1 nh\u1ea7m l\u1eabn c\u00f3 l\u1ebd l\u00e0 do c\u00e1ch hi\u1ec3u c\u1ee7a m\u1ed9t s\u1ed1 th\u1ea9m ph\u00e1n, ch\u1ee7 t\u1ecda phi\u00ean t\u00f2a theo quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169 n\u0103m 1995, th\u1ebf ch\u1ea5p l\u00e0 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh, b\u1ea3o l\u00e3nh l\u00e0 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c, \u0111\u1ed3ng th\u1eddi b\u1ea3o l\u00e3nh th\u00ec c\u00f3 th\u1ec3 b\u1eb1ng t\u00e0i s\u1ea3n ho\u1eb7c kh\u00f4ng b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee5 th\u1ec3. Trong khi \u0111\u00f3 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hi\u1ec7n h\u00e0nh n\u0103m 2005 \u0111\u00e3 \u0111\u01b0\u1ee3c thay \u0111\u1ed5i kh\u00e1c h\u1eb3n. Th\u1ebf ch\u1ea5p l\u00e0 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho c\u1ea3 ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh v\u00e0 cho ng\u01b0\u1eddi kh\u00e1c, \u0111\u1ed3ng th\u1eddi b\u1ea3o l\u00e3nh th\u00ec kh\u00f4ng b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee5 th\u1ec3.<\/p>\n

                        D\u1ef1 th\u1ea3o Lu\u1eadt \u0110\u1ea5t \u0111ai v\u1eeba tr\u00ecnh Qu\u1ed1c h\u1ed9i c\u0169ng ch\u1ec9 c\u00f2n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c th\u1ebf ch\u1ea5p, m\u00e0 kh\u00f4ng c\u00f2n nh\u1eafc \u0111\u1ebfn vi\u1ec7c b\u1ea3o l\u00e3nh b\u1eb1ng QSD\u0110. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y, c\u00e1ch hi\u1ec3u b\u1ea3o l\u00e3nh b\u1eb1ng QSD\u0110 c\u1ee7a To\u00e0 \u00e1n l\u00e0 nh\u1ea7m l\u1eabn, kh\u00f4ng h\u1ee3p l\u00fd. C\u00e1c TCTD (do NHNN qu\u1ea3n l\u00fd), c\u00e1c t\u1ed5 ch\u1ee9c c\u00f4ng ch\u1ee9ng (do B\u1ed9 T\u01b0 ph\u00e1p qu\u1ea3n l\u00fd) v\u00e0 c\u00e1c v\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd QSD\u0110 (do B\u1ed9 T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng qu\u1ea3n l\u00fd) \u0111ang hi\u1ec3u v\u00e0 l\u00e0m \u0111\u00fang lu\u1eadt. Do \u0111\u00f3, kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn l\u00fd do x\u1eed v\u00f4 hi\u1ec7u v\u00ec n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng tr\u00e1i ph\u00e1p lu\u1eadt. C\u00e0ng kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn vi\u1ec7c tuy\u00ean v\u00f4 hi\u1ec7u h\u1ee3p \u0111\u1ed3ng c\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 134 v\u1ec1 \u201cgiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do kh\u00f4ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 h\u00ecnh th\u1ee9c\u201d.<\/p>\n\n\n\n
                        Ph\u00e1n quy\u1ebft c\u1ee7a T\u00f2a \u00e1n ho\u00e0n to\u00e0n b\u1ea5t l\u1ee3i cho c\u00e1c NHTM trong vi\u1ec7c y\u00eau c\u1ea7u b\u00ean th\u1ee9 ba ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a m\u00ecnh trong tr\u01b0\u1eddng h\u1ee3p b\u00ean vay kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 \u0111\u1ed1i v\u1edbi b\u00ean cho vay. Kho\u1ea3n vay c\u1ee7a NHTM c\u00f3 nguy c\u01a1 chuy\u1ec3n sang kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, g\u00e2y thi\u1ec7t h\u1ea1i cho c\u00e1c NHTM v\u00e0 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn b\u1ea5t \u1ed5n l\u1edbn trong n\u1ec1n kinh t\u1ebf.<\/p>\n

                        B\u00e0 Tr\u1ea7n Th\u1ecb H\u1ed3ng H\u1ea1nh<\/strong> – T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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

                        —————–<\/strong><\/p>\n

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

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

                         <\/p>\n

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

                        H\u1ed9i th\u1ea3o s\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 27-6-2013<\/em><\/strong><\/p>\n

                        B\u00ccNH LU\u1eacN V\u1ec0 NH\u1eeeNG B\u1ea4T C\u1eacP C\u1ee6A PH\u00c1P LU\u1eacT<\/strong><\/p>\n

                        GIAO D\u1ecaCH B\u1ea2O \u0110\u1ea2M<\/strong>[9]<\/strong><\/a><\/p>\n

                        Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/p>\n

                        Lu\u1eadt s\u01b0, Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/p>\n

                        B\u00ecnh lu\u1eadn v\u1ec1 30 v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 li\u00ean quan \u0111\u1ebfn b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1, \u0111\u01b0\u1ee3c vi\u1ebft theo \u0111\u1eb7t h\u00e0ng c\u1ee7a C\u1ee5c \u0110\u0103ng k\u00fd qu\u1ed1c gia Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, B\u1ed9 T\u01b0 ph\u00e1p \u0111\u1ec3 tham gia H\u1ed9i th\u1ea3o Khoa h\u1ecdc c\u1ea5p b\u1ed9: \u201cNh\u1eadn di\u1ec7n kh\u00eda c\u1ea1nh ph\u00e1p l\u00fd c\u1ee7a v\u1eadt quy\u1ec1n b\u1ea3o \u0111\u1ea3m v\u00e0 m\u1ed9t s\u1ed1 ki\u1ebfn ngh\u1ecb x\u00e2y d\u1ef1ng, ho\u00e0n thi\u1ec7n B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 Vi\u1ec7t Nam\u201d.<\/em><\/p>\n

                        <\/a>1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng kh\u00e1c:<\/p>\n

                        1.1.\u00a0\u00a0\u00a0\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        <\/a>Vi\u1ec7c c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m do ng\u00e2n h\u00e0ng kh\u00e1c ph\u00e1t h\u00e0nh ch\u01b0a b\u1ea3o \u0111\u1ea3m c\u01a1 s\u1edf ph\u00e1p l\u00fd. Th\u1ee7 t\u1ee5c hi\u1ec7n nay l\u00e0, b\u00ean ph\u00e1t h\u00e0nh th\u1ebb ti\u1ebft ki\u1ec7m x\u00e1c nh\u1eadn \u0111\u1ed3ng \u00fd phong to\u1ea3 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi v\u00e0 x\u00e1c nh\u1eadn h\u1ed7 tr\u1ee3 b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 x\u1eed l\u00fd \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Tuy nhi\u00ean, vi\u1ec7c n\u00e0y d\u01b0\u1eddng nh\u01b0 m\u1edbi ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c h\u1ed7 tr\u1ee3, ch\u1ee9 ch\u01b0a r\u00f5 ngh\u0129a v\u1ee5 l\u00e0 c\u1ee7a B\u00ean ph\u00e1t h\u00e0nh th\u1ebb ti\u1ebft ki\u1ec7m. N\u1ebfu c\u00f3 ngh\u0129a v\u1ee5 thanh to\u00e1n kh\u00e1c, \u0111\u1eb7c bi\u1ec7t n\u1ebfu nh\u01b0 ch\u00ednh l\u00e0 ngh\u0129a v\u1ee5 v\u1edbi ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb ti\u1ebft ki\u1ec7m, th\u00ec ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh c\u00f3 th\u1ec3 \u01b0u ti\u00ean kh\u1ea5u tr\u1eeb s\u1ed1 ti\u1ec1n g\u1eedi tr\u01b0\u1edbc. B\u00ean nh\u1eadn c\u1ea7m c\u1ed1 kh\u00f3 c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 \u0111\u00f2i h\u1ecfi quy\u1ec1n l\u1ee3i.<\/p>\n

                        1.2.\u00a0\u00a0\u00a0\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        C\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p r\u1ea5t \u0111\u1eb7c bi\u1ec7t. B\u00ean nh\u1eadn c\u1ea7m c\u1ed1 kh\u00f4ng \u201ctr\u1ef1c ti\u1ebfp gi\u1eef t\u00e0i s\u1ea3n\u201d, c\u0169ng kh\u00f4ng \u201cu\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi th\u1ee9 ba gi\u1eef t\u00e0i s\u1ea3n\u201d theo quy \u0111\u1ecbnh t\u1ea1i <\/a>\u0110i\u1ec1u 16 \u201cGi\u1eef t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP 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).<\/p>\n

                        <\/a>Ng\u01b0\u1eddi ph\u00e1t h\u00e0nh th\u1ebb ti\u1ebft ki\u1ec7m c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi th\u1ee9 ba gi\u1eef t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 (c\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p). Do \u0111\u00f3, b\u00ean ph\u00e1t h\u00e0nh th\u1ebb ti\u1ebft ki\u1ec7m c\u0169ng kh\u00f4ng c\u00f3 c\u00e1c ngh\u0129a v\u1ee5 theo \u201ch\u1ee3p \u0111\u1ed3ng g\u1eedi gi\u1eef t\u00e0i s\u1ea3n\u201d nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 17 \u201cTr\u00e1ch nhi\u1ec7m c\u1ee7a b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 trong tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 b\u1ecb m\u1ea5t, h\u01b0 h\u1ecfng, m\u1ea5t gi\u00e1 tr\u1ecb ho\u1eb7c gi\u1ea3m s\u00fat gi\u00e1 tr\u1ecb\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP: \u201cTrong tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 l\u00e0 v\u1eadt do ng\u01b0\u1eddi th\u1ee9 ba gi\u1eef m\u00e0 c\u00f3 nguy c\u01a1 b\u1ecb m\u1ea5t, h\u01b0 h\u1ecfng, m\u1ea5t gi\u00e1 tr\u1ecb ho\u1eb7c gi\u1ea3m s\u00fat gi\u00e1 tr\u1ecb th\u00ec quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 gi\u1eefa ng\u01b0\u1eddi th\u1ee9 ba v\u00e0 b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo h\u1ee3p \u0111\u1ed3ng g\u1eedi gi\u1eef t\u00e0i s\u1ea3n<\/em>.\u201d<\/p>\n

                        Ph\u00e1p lu\u1eadt ch\u01b0a quy \u0111\u1ecbnh r\u00f5 ngh\u0129a v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb ti\u1ebft ki\u1ec7m. Kho\u1ea3n 2, \u0110i\u1ec1u 19 \u201cQuy\u1ec1n c\u1ee7a b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 trong tr\u01b0\u1eddng h\u1ee3p nh\u1eadn c\u1ea7m c\u1ed1 v\u1eadn \u0111\u01a1n, th\u1ebb ti\u1ebft ki\u1ec7m, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ch\u1ec9 quy \u0111\u1ecbnh: \u201cb\u00ean nh\u1eadn c\u1ea7m c\u1ed1 c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u t\u1ed5 ch\u1ee9c nh\u1eadn ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m phong to\u1ea3 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u1ee7a b\u00ean c\u1ea7m c\u1ed1<\/em>.\u201d V\u00e0 \u0111o\u1ea1n 2, kho\u1ea3n 3 ti\u1ebfp theo th\u00ec kh\u00f4ng quy \u0111\u1ecbnh ngh\u0129a v\u1ee5 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ph\u00e1t h\u00e0nh th\u1ebb ti\u1ebft ki\u1ec7m, m\u00e0 ch\u1ec9 quy \u0111\u1ecbnh ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1: \u201cTrong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 ho\u1eb7c Trung t\u00e2m l\u01b0u k\u00fd ch\u1ee9ng kho\u00e1n vi ph\u1ea1m cam k\u1ebft \u0111\u1ea3m b\u1ea3o quy\u1ec1n gi\u00e1m s\u00e1t c\u1ee7a b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 m\u00e0 g\u00e2y thi\u1ec7t h\u1ea1i cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 th\u00ec ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c<\/em>.\u201d<\/p>\n

                        1.3.\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP theo h\u01b0\u1edbng, quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c x\u00e1c nh\u1eadn c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m l\u00e0 m\u1ed9t th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi ph\u00e1t h\u00e0nh th\u1ebb ti\u1ebft ki\u1ec7m trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 x\u00e1c nh\u1eadn vi\u1ec7c c\u1ea7m c\u1ed1.<\/p>\n

                        <\/a>2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1ebf ch\u1ea5p h\u00e0ng ho\u00e1 lu\u00e2n chuy\u1ec3n:<\/p>\n

                        2.1.\u00a0\u00a0\u00a0\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        <\/a><\/a><\/a><\/a>T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 h\u00e0ng ho\u00e1 lu\u00e2n chuy\u1ec3n trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t, kinh doanh, d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p v\u00e0 c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn ch\u1ec9 \u0111\u01b0\u1ee3c b\u00e1n khi c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p, nh\u01b0ng b\u00ean th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 b\u00e1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p.<\/p>\n

                        B\u00ean nh\u1eadn th\u1ebf ch\u1ea5p ch\u1ec9 c\u00f3 quy\u1ec1n \u201cy\u00eau c\u1ea7u b\u00ean mua thanh to\u00e1n ti\u1ec1n, s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c ho\u1eb7c t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c tr\u1edf th\u00e0nh t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p thay th\u1ebf cho s\u1ed1 t\u00e0i s\u1ea3n \u0111\u00e3 b\u00e1n<\/em>.\u201d<\/p>\n

                        2.2.\u00a0\u00a0\u00a0\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        <\/a><\/a><\/a>Kho\u1ea3n 3, \u0110i\u1ec1u 349 \u201cQuy\u1ec1n c\u1ee7a b\u00ean th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh: B\u00ean th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u00f3 quy\u1ec1n \u201c\u0110\u01b0\u1ee3c b\u00e1n, thay th\u1ebf t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, n\u1ebfu t\u00e0i s\u1ea3n \u0111\u00f3 l\u00e0 h\u00e0ng ho\u00e1 lu\u00e2n chuy\u1ec3n trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t, kinh doanh.\u201d<\/em><\/p>\n

                        <\/a>Kho\u1ea3n 1, \u0110i\u1ec1u 20 \u201cQuy\u1ec1n c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p trong tr\u01b0\u1eddng h\u1ee3p b\u00ean th\u1ebf ch\u1ea5p b\u00e1n, trao \u0111\u1ed5i, t\u1eb7ng cho t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP c\u0169ng quy \u0111\u1ecbnh b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p ch\u1ec9 c\u00f3 quy\u1ec1n thu h\u1ed3i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u201ctrong tr\u01b0\u1eddng h\u1ee3p b\u00ean th\u1ebf ch\u1ea5p b\u00e1n, trao \u0111\u1ed5i, t\u1eb7ng cho t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng ph\u1ea3i l\u00e0 h\u00e0ng ho\u00e1 lu\u00e2n chuy\u1ec3n trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t, kinh doanh m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p<\/em>\u201d.<\/p>\n

                        C\u00e1c quy \u0111\u1ecbnh tr\u00ean \u0111\u00e3 \u0111\u01b0\u01a1ng nhi\u00ean cho ph\u00e9p b\u00ean th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 lo\u1ea1i tr\u1eeb ho\u00e0n to\u00e0n quy\u1ec1n c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u1ed1i v\u1edbi vi\u1ec7c thu h\u1ed3i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p h\u1ee3p ph\u00e1p b\u1ecb b\u00e1n tr\u00e1i v\u1edbi tho\u1ea3 thu\u1eadn. Nh\u01b0 v\u1eady b\u00ean mua t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p lu\u00f4n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7, kh\u00f4ng c\u1ea7n bi\u1ebft c\u00f3 ngay t\u00ecnh hay kh\u00f4ng v\u00e0 d\u00f9 cho t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 hay kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p.<\/p>\n

                        V\u1edbi nh\u1eefng quy \u0111\u1ecbnh nh\u01b0 tr\u00ean, ph\u00e1p lu\u1eadt \u0111\u00e3 m\u1eb7c nhi\u00ean ph\u1ee7 nh\u1eadn \u00fd ch\u00ed tho\u1ea3 thu\u1eadn c\u1ee7a c\u00e1c b\u00ean v\u00e0 \u0111\u00e3 v\u00f4 hi\u1ec7u ho\u00e1 \u00fd ngh\u0129a, t\u00e1c d\u1ee5ng c\u1ee7a c\u01a1 ch\u1ebf \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 h\u00e0ng ho\u00e1 lu\u00e2n chuy\u1ec3n trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t, kinh doanh.<\/p>\n

                        2.3.\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP theo h\u01b0\u1edbng, quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c gi\u1ea3i quy\u1ebft h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd (quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean th\u1ebf ch\u1ea5p, b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p v\u00e0 b\u00ean th\u1ee9 ba) \u0111\u1ed1i v\u1edbi vi\u1ec7c b\u00ean th\u1ebf ch\u1ea5p b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u00e1i v\u1edbi tho\u1ea3 thu\u1eadn v\u1edbi b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p trong hai tr\u01b0\u1eddng h\u1ee3p c\u00f3 v\u00e0 kh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd giao d\u1ecbch th\u1ebf ch\u1ea5p.<\/p>\n

                        <\/a>3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1ebf ch\u1ea5p xe \u00f4 t\u00f4:<\/p>\n

                        3.1.\u00a0\u00a0\u00a0\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Khi b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p kh\u00f4ng gi\u1eef Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd xe, b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p xe \u00f4 t\u00f4 d\u1ec5 d\u00e0ng b\u00e1n, g\u00e1n n\u1ee3, c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p,… xe \u00f4 t\u00f4 \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p h\u1ee3p ph\u00e1p, v\u00ec h\u1ecd gi\u1eef c\u1ea3 xe v\u00e0 Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd xe.<\/p>\n

                        Tuy ph\u00e1p lu\u1eadt v\u1eabn b\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p, tuy nhi\u00ean \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro qu\u00e1 cao, v\u00ec t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n di chuy\u1ec3n kh\u1eafp n\u01a1i tr\u00ean c\u1ea3 n\u01b0\u1edbc, n\u00ean kh\u00f4ng d\u1ec5 theo d\u00f5i, qu\u1ea3n l\u00fd, nh\u1ea5t l\u00e0 \u01b0\u1edbc t\u00ednh c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 40-50% s\u1ed1 xe \u0111ang l\u01b0u h\u00e0nh \u0111\u01b0\u1ee3c mua b\u00e1n trao tay, kh\u00f4ng l\u00e0m th\u1ee7 t\u1ee5c sang t\u00ean.<\/p>\n

                        Vi\u1ec7c n\u00e0y l\u00e0m cho c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd h\u1ea1n ch\u1ebf t\u1ed1i \u0111a vi\u1ec7c nh\u1eadn th\u1ebf ch\u1ea5p xe \u00f4 t\u00f4, d\u1eabn \u0111\u1ebfn kh\u00f3 kh\u0103n cho giao d\u1ecbch vay v\u1ed1n ph\u00e1t tri\u1ec3n s\u1ea3n xu\u1ea5t, kinh doanh.<\/p>\n

                        3.2.\u00a0\u00a0\u00a0\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        \u0110i\u1ec1u 20a \u201cGi\u1eef gi\u1ea5y t\u1edd v\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP quy \u0111\u1ecbnh: B\u00ean th\u1ebf ch\u1ea5p gi\u1eef b\u1ea3n ch\u00ednh \u201cGi\u1ea5y \u0111\u0103ng k\u00fd ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng trong th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u00f3 hi\u1ec7u l\u1ef1c<\/em>\u201d.<\/p>\n

                        Th\u1ef1c t\u1ebf nhi\u1ec1u n\u0103m tr\u01b0\u1edbc \u0111\u00e2y, ng\u00e2n h\u00e0ng gi\u1eef b\u1ea3n ch\u00ednh Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd xe, ch\u1ec9 c\u1ea5p cho ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n b\u1ea3n sao, th\u00ec vi\u1ec7c l\u01b0u h\u00e0nh v\u1eabn di\u1ec5n ra b\u00ecnh th\u01b0\u1eddng. Th\u1eadm ch\u00ed c\u00f2n x\u1ea3y ra t\u00ecnh tr\u1ea1ng, b\u1ea3n sao ch\u1ec9 \u0111\u01b0\u1ee3c c\u1ea5p trong m\u1ed9t th\u1eddi h\u1ea1n ng\u1eafn, nh\u01b0ng d\u00f9 \u0111\u00e3 h\u1ebft th\u1eddi h\u1ea1n t\u1eeb l\u00e2u, m\u00e0 ch\u1ee7 xe v\u1eabn l\u01b0u h\u00e0nh b\u00ecnh th\u01b0\u1eddng trong nhi\u1ec1u n\u0103m, t\u1ee9c l\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn c\u1ea3 b\u1ea3n ch\u00ednh l\u1eabn b\u1ea3n sao.<\/p>\n

                        3.3.\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP theo h\u01b0\u1edbng, cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u01b0\u1ee3c gi\u1eef (nh\u01b0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 178\/2000\/N\u0110-CP tr\u01b0\u1edbc \u0111\u00e2y) ho\u1eb7c c\u01a1 quan \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p gi\u1eef ho\u1eb7c \u0111\u00e1nh d\u1ea5u tr\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u1ec3 b\u00ean th\u1ee9 ba nh\u1eadn bi\u1ebft \u0111\u01b0\u1ee3c r\u00f5 r\u00e0ng vi\u1ec7c xe \u00f4 t\u00f4 \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1.<\/p>\n

                        <\/a>4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1ebf ch\u1ea5p ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i kh\u00e1c:<\/p>\n

                        4.1.\u00a0\u00a0\u00a0\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/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 l\u00e0 t\u00e0u bay, t\u00e0u bi\u1ec3n, t\u00e0u th\u1ee7y, th\u1eadm ch\u00ed c\u1ea3 t\u00e0u c\u1ea3.<\/p>\n

                        4.2.\u00a0\u00a0\u00a0\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        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\u1ed9i \u0111\u1ecba 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

                        4.3.\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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 v\u00e0 Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng th\u1ee7y n\u1ed9i \u0111\u1ecba theo h\u01b0\u1edbng, quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0u ho\u1ea3 v\u00e0 t\u00e0u s\u00f4ng (kh\u00f4ng c\u1ea7m c\u1ed1).<\/p>\n

                        <\/a>5.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1ebf ch\u1ea5p nh\u00e0 \u1edf:<\/p>\n

                        5.1.\u00a0\u00a0\u00a0\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        C\u00f3 ba kh\u00f3 kh\u0103n v\u01b0\u1edbng m\u1eafc v\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf: Th\u1ee9 nh\u1ea5t l\u00e0, nh\u00e0 \u1edf, d\u00f9 gi\u00e1 tr\u1ecb l\u1edbn \u0111\u1ebfn \u0111\u00e2u c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i m\u1ed9t TCTD, m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i nhi\u1ec1u TCTD. Th\u1ee9 hai l\u00e0, ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho nhi\u1ec1u ngh\u0129a v\u1ee5, \u201cn\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\u201d (\u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m m\u1ed9t ph\u1ea7n ngh\u0129a v\u1ee5). Th\u1ee9 ba l\u00e0, kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p cho c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00e1c ngo\u00e0i TCTD.[10]<\/a><\/p>\n

                        X\u00e9t ri\u00eang vi\u1ec7c quy \u0111\u1ecbnh ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf t\u1ea1i m\u1ed9t TCTD \u0111\u00e3 l\u00e0 m\u1ed9t \u0111i\u1ec1u ng\u1edb ng\u1ea9n, nay l\u1ea1i c\u00f2n \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch theo h\u01b0\u1edbng, c\u1ea5m th\u1ebf th\u1ea5p \u1edf ch\u1ed7 kh\u00e1c n\u1eefa th\u00ec kh\u00e1c n\u00e0o c\u1ea5m ch\u1ee7 s\u1edf h\u1eefu mua b\u00e1n, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111ang thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a h\u1ecd. \u0110\u1ea5t \u0111ai thu\u1ed9c s\u1edf h\u1eefu to\u00e0n d\u00e2n, t\u1eeb ch\u1ed7 b\u1ecb nghi\u00eam c\u1ea5m \u201cph\u00e1t canh thu t\u00f4, cho thu\u00ea, c\u1ea7m c\u1ed1 ho\u1eb7c b\u00e1n nh\u01b0\u1ee3ng \u0111\u1ea5t d\u01b0\u1edbi b\u1ea5t c\u1ee9 h\u00ecnh th\u1ee9c n\u00e0o\u201d, \u0111\u1ebfn nay g\u1ea7n nh\u01b0 \u0111\u00e3 \u0111\u01b0\u1ee3c tha h\u1ed3 mua b\u00e1n, th\u1ebf ch\u1ea5p. V\u1eady m\u00e0 nh\u00e0 \u1edf thu\u1ed9c s\u1edf h\u1eefu t\u01b0 nh\u00e2n, l\u1ea1i b\u1ecb hi\u1ec3u l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p cho c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c ngo\u00e0i TCTD?<\/p>\n

                        5.2.\u00a0\u00a0\u00a0\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/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: \u201cCh\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 TCTD.<\/em>\u201d<\/p>\n

                        5.3.\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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 vi\u1ec7c ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i m\u1ed9t TCTD, \u0111\u1ed3ng th\u1eddi di\u1ec5n \u0111\u1ea1t r\u00f5 \u0111\u1ec3 tr\u00e1nh c\u00e1ch hi\u1ec3u r\u1eb1ng ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf t\u1ea1i TCTD. Tr\u01b0\u1edbc m\u1eaft, \u0111\u1ec1 ngh\u1ecb U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i gi\u1ea3i th\u00edch lu\u1eadt \u0111\u1ec3 ho\u00e1 gi\u1ea3i c\u00e1ch hi\u1ec3u r\u1ea5t v\u00f4 l\u00fd: Ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf t\u1ea1i TCTD.<\/p>\n

                        <\/a>6.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng k\u00e8m theo \u0111\u1ea5t v\u00e0 ng\u01b0\u1ee3c l\u1ea1i<\/p>\n

                        6.1.\u00a0\u00a0\u00a0\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        B\u1ea5t \u0111\u1ed9ng s\u1ea3n tr\u00ean \u0111\u1ea5t v\u00e0 \u0111\u1ea5t l\u00e0 m\u1ed9t kh\u1ed1i t\u00e0i s\u1ea3n chung, kh\u00f4ng th\u1ec3 t\u00e1ch r\u1eddi. N\u1ebfu ch\u1ec9 th\u1ebf ch\u1ea5p m\u1ed9t th\u1ee9, t\u00e0i s\u1ea3n kia kh\u00f4ng th\u1ebf ch\u1ea5p, v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n trong x\u1eed l\u00fd, \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u01b0\u1eddng h\u1ee3p th\u1ebf ch\u1ea5p \u1edf c\u00e1c n\u01a1i kh\u00e1c nhau.<\/p>\n

                        Kh\u00e1c v\u1edbi m\u1ed9t t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p nhi\u1ec1u n\u01a1i, khi m\u1ed9t ngh\u0129a v\u1ee5 \u0111\u1ebfn h\u1ea1n, th\u00ec ngh\u0129a v\u1ee5 kia c\u0169ng \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ebfn h\u1ea1n v\u00e0 c\u00f3 th\u1ec3 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, c\u00f2n vi\u1ec7c th\u1ebf ch\u1ea5p nh\u00e0, b\u1ea5t \u0111\u1ed9ng s\u1ea3n ri\u00eang, \u0111\u1ea5t ri\u00eang, th\u00ec b\u1ecb xung \u0111\u1ed9t ph\u00e1p lu\u1eadt, v\u00ec hai lo\u1ea1i t\u00e0i s\u1ea3n n\u00e0y tuy l\u00e0 m\u1ed9t b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0ng l\u1ea1i c\u00f3 ch\u1ebf \u0111\u1ed9 ph\u00e1p l\u00fd kh\u00e1c nhau.<\/p>\n

                        6.2.\u00a0\u00a0\u00a0\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Ph\u00e1p lu\u1eadt cho ph\u00e9p th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t ri\u00eang v\u00e0 t\u00e0i s\u1ea3n tr\u00ean \u0111\u1ea5t ri\u00eang. <\/a><\/a><\/a>Kho\u1ea3n 2, \u0110i\u1ec1u 716 \u201cPh\u1ea1m vi th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t\u201d: B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh \u201cTr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi s\u1eed d\u1ee5ng \u0111\u1ea5t th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t th\u00ec nh\u00e0, c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng kh\u00e1c, r\u1eebng tr\u1ed3ng, v\u01b0\u1eddn c\u00e2y v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c c\u1ee7a ng\u01b0\u1eddi th\u1ebf ch\u1ea5p g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t ch\u1ec9 thu\u1ed9c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, n\u1ebfu c\u00f3 tho\u1ea3 thu\u1eadn<\/em>.\u201d Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c ch\u1ec9 th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t ho\u1eb7c ch\u1ec9 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t.<\/p>\n

                        6.3.\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i Lu\u1eadt \u0110\u1ea5t \u0111ai v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng, quy \u0111\u1ecbnh r\u00f5 tr\u01b0\u1eddng h\u1ee3p n\u00e0o \u0111\u01b0\u1ee3c nh\u1eadn th\u1ebf ch\u1ea5p ri\u00eang v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t ri\u00eang (ch\u1eb3ng h\u1ea1n m\u1ed9t trong hai lo\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p nh\u01b0 trong tr\u01b0\u1eddng h\u1ee3p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p ho\u1eb7c c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng tr\u00e1i ph\u00e9p). C\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u00f2n l\u1ea1i, th\u00ec vi\u1ec7c th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u1ea3i g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t v\u00e0 ng\u01b0\u1ee3c l\u1ea1i.<\/p>\n

                        <\/a>7.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t:<\/p>\n

                        7.1.\u00a0\u00a0\u00a0\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        R\u1ea5t kh\u00f3 kh\u0103n trong vi\u1ec7c ph\u00e2n bi\u1ec7t tr\u01b0\u1eddng h\u1ee3p n\u00e0o th\u00ec \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p \u0111\u1ed1i v\u1edbi \u0111\u1ea5t nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng, \u0111\u1ea5t giao, \u0111\u1ea5t thu\u00ea, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi \u0111\u1ea5t thu\u1ed9c quy\u1ec1n s\u1eed d\u1ee5ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c. V\u00e0 trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh, ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m nh\u1eefng ngh\u0129a v\u1ee5 kh\u00e1c trong ho\u1eb7c phi s\u1ea3n xu\u1ea5t, kinh doanh.<\/p>\n

                        7.2.\u00a0\u00a0\u00a0\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 v\u1ec1 c\u00e1c lo\u1ea1i \u0111\u1ea5t \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p v\u00e0 c\u00f3 s\u1ef1 nh\u1ea7m l\u1eabn v\u1edbi lu\u1eadt c\u0169 t\u1eeb nh\u1eefng n\u0103m 1980 khi c\u1ea5m mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng \u0111\u1ea5t \u0111ai, do \u0111\u00f3 d\u1eabn \u0111\u1ebfn h\u1ec7 qu\u1ea3 l\u00e0 trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 quy \u0111\u1ecbnh vi\u1ec7c th\u1ebf ch\u1ea5p \u0111\u1ea5t \u0111ai t\u1ea1i c\u00e1c TCTD \u0111\u1ec3 vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh.<\/p>\n

                        7.3.\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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 \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 TCTD \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 th\u1ebf ch\u1ea5p cho m\u1ecdi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n v\u00e0 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho m\u1ecdi ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1.<\/p>\n

                        <\/a>8.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai:<\/p>\n

                        8.1.\u00a0\u00a0\u00a0\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/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 th\u00ec 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).[11]<\/sup><\/a> Do v\u1eady, vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai ch\u1ec9 c\u00f3 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n ho\u1eb7c ph\u1ea7n t\u00e0i s\u1ea3n \u0111\u00e3 h\u00ecnh th\u00e0nh xong, nh\u01b0ng ch\u01b0a c\u00f3 gi\u1ea5y t\u1edd s\u1edf h\u1eefu ho\u1eb7c \u0111ang tr\u00ean \u0111\u01b0\u1eddng v\u1eadn chuy\u1ec3n, c\u00f2n s\u1ebd tr\u1edf l\u00ean v\u00f4 ngh\u0129a \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n ch\u01b0a \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh.<\/p>\n

                        V\u01b0\u1edbng m\u1eafc n\u1eefa l\u00e0 kh\u00f4ng c\u00f4ng ch\u1ee9ng, \u0111\u0103ng k\u00fd \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.<\/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,[12]<\/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.[13]<\/sup><\/a><\/p>\n

                        8.2.\u00a0\u00a0\u00a0\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Ch\u01b0a c\u00f3 t\u00e0i s\u1ea3n hi\u1ec7n h\u1eefu th\u00ec vi\u1ec7c b\u1ea3o \u0111\u1ea3m kh\u00f4ng c\u00f2n \u00fd ngh\u0129a th\u1ef1c ti\u1ec5n, c\u00f2n t\u01b0\u01a1ng lai th\u00ec c\u00f3 th\u1ec3 c\u00f3 v\u00e0 c\u00f3 th\u1ec3 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

                        \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 giao d\u1ecbch n\u00f3i chung, th\u1ebf ch\u1ea5p nh\u00e0 \u1edf n\u00f3i ri\u00eang ph\u1ea3i c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t. <\/a>\u0110i\u1ec1u 5 \u201cL\u1eddi ch\u1ee9ng c\u1ee7a c\u00f4ng ch\u1ee9ng vi\u00ean\u201d, Lu\u1eadt C\u00f4ng ch\u1ee9ng n\u0103m 2006 quy \u0111\u1ecbnh: L\u1eddi ch\u1ee9ng c\u1ee7a c\u00f4ng ch\u1ee9ng vi\u00ean ph\u1ea3i ghi r\u00f5 \u201cm\u1ee5c \u0111\u00edch, n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng, giao d\u1ecbch kh\u00f4ng vi ph\u1ea1m ph\u00e1p lu\u1eadt, kh\u00f4ng tr\u00e1i \u0111\u1ea1o \u0111\u1ee9c x\u00e3 h\u1ed9i, \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a h\u1ee3p \u0111\u1ed3ng, giao d\u1ecbch l\u00e0 c\u00f3 th\u1eadt<\/em>\u201d.<\/p>\n

                        8.3.\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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). Ch\u1ec9 n\u00ean ghi nh\u1eadn cam k\u1ebft h\u1ee9a h\u1eb9n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. T\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh \u0111\u1ebfn \u0111\u00e2u th\u00ec m\u1edbi c\u00f3 gi\u00e1 tr\u1ecb b\u1ea3o \u0111\u1ea3m v\u00e0 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p \u0111\u1ebfn \u0111\u00f3.<\/p>\n

                        \u0110\u1ec1 ngh\u1ecb s\u1eeda Lu\u1eadt C\u00f4ng ch\u1ee9ng theo h\u01b0\u1edbng, ch\u1ec9 c\u00f4ng ch\u1ee9ng h\u00ecnh th\u1ee9c.<\/p>\n

                        <\/a>9.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a h\u1ed9 gia \u0111\u00ecnh:<\/p>\n

                        9.1.\u00a0\u00a0\u00a0\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/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 \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.[14]<\/sup><\/a><\/p>\n

                        9.2.\u00a0\u00a0\u00a0\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Vi\u1ec7c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a h\u1ed9 gia \u0111\u00ecnh 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 <\/a><\/a><\/a>\u0111\u1ed3ng \u00fd theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 108 \u201cChi\u1ebfm h\u1eefu, s\u1eed d\u1ee5ng, \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n chung c\u1ee7a h\u1ed9 gia \u0111\u00ecnh\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005: \u201cVi\u1ec7c \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n l\u00e0 t\u01b0 li\u1ec7u s\u1ea3n xu\u1ea5t, t\u00e0i s\u1ea3n chung c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn c\u1ee7a h\u1ed9 gia \u0111\u00ecnh ph\u1ea3i \u0111\u01b0\u1ee3c c\u00e1c th\u00e0nh vi\u00ean t\u1eeb \u0111\u1ee7 m\u01b0\u1eddi l\u0103m tu\u1ed5i tr\u1edf l\u00ean \u0111\u1ed3ng \u00fd; \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n chung kh\u00e1c ph\u1ea3i \u0111\u01b0\u1ee3c \u0111a s\u1ed1 th\u00e0nh vi\u00ean t\u1eeb \u0111\u1ee7 m\u01b0\u1eddi l\u0103m tu\u1ed5i tr\u1edf l\u00ean \u0111\u1ed3ng \u00fd<\/em>.\u201d<\/p>\n

                        Kho\u1ea3n 2, \u0110i\u1ec1u 146 \u201cH\u1ee3p \u0111\u1ed3ng v\u1ec1 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 181\/2004\/N\u0110-CP ng\u00e0y 20-10-2004 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Thi h\u00e0nh Lu\u1eadt \u0110\u1ea5t \u0111ai quy \u0111\u1ecbnh \u201cH\u1ee3p \u0111\u1ed3ng chuy\u1ec3n \u0111\u1ed5i, chuy\u1ec3n nh\u01b0\u1ee3ng, thu\u00ea, thu\u00ea l\u1ea1i quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t; h\u1ee3p \u0111\u1ed3ng ho\u1eb7c v\u0103n b\u1ea3n t\u1eb7ng cho quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t; h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh, g\u00f3p v\u1ed1n b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t thu\u1ed9c quy\u1ec1n s\u1eed d\u1ee5ng chung c\u1ee7a h\u1ed9 gia \u0111\u00ecnh ph\u1ea3i \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh vi\u00ean c\u00f3 \u0111\u1ee7 n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1 trong h\u1ed9 gia \u0111\u00ecnh \u0111\u00f3 th\u1ed1ng nh\u1ea5t v\u00e0 k\u00fd t\u00ean ho\u1eb7c c\u00f3 v\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 d\u00e2n s\u1ef1<\/em>.\u201d<\/p>\n

                        9.3.\u00a0\u00a0\u00a0\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 theo h\u01b0\u1edbng, lo\u1ea1i b\u1ecf ch\u1ee7 th\u1ec3 h\u1ed9 gia \u0111\u00ecnh ra kh\u1ecfi ch\u1ee7 th\u1ec3 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. \u0110\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

                        Tr\u01b0\u1eddng h\u1ee3p c\u00f3 m\u1ed9t s\u1ed1 th\u00e0nh vi\u00ean trong h\u1ed9 gia \u0111\u00ecnh kh\u00f4ng k\u00fd t\u00ean trong h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p th\u00ec h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p ch\u1ec9 v\u00f4 hi\u1ec7u m\u1ed9t ph\u1ea7n.<\/p>\n

                        10.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 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 (th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba):<\/p>\n

                        10.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        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 (th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba) \u0111ang b\u1ecb cu\u1ed1n v\u00e0o cu\u1ed9c chi\u1ebfn r\u1ee7i ro ph\u00e1p l\u00fd r\u1ea5t \u0111\u00e1ng lo ng\u1ea1i, b\u1ecb coi l\u00e0 tr\u00e1i lu\u1eadt v\u00e0 lu\u00f4n c\u00f3 nguy c\u01a1 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u v\u00ec To\u00e0 \u00e1n v\u00e0 nhi\u1ec1u c\u01a1 quan cho r\u1eb1ng ph\u1ea3i g\u1ecdi \u0111\u00fang l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh.[15]<\/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

                        10.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Do nh\u1eadn th\u1ee9c sai v\u00e0 do quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o l\u00e3nh t\u1ea1i \u0110i\u1ec1u 361 \u201c<\/a>B\u1ea3o l\u00e3nh\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 kh\u00f4ng r\u00f5, g\u1ea7n nh\u01b0 kh\u00f4ng kh\u00e1c g\u00ec quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995: \u201cB\u1ea3o l\u00e3nh l\u00e0 vi\u1ec7c ng\u01b0\u1eddi th\u1ee9 ba (say \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean b\u1ea3o l\u00e3nh) cam k\u1ebft v\u1edbi b\u00ean c\u00f3 quy\u1ec1n (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean nh\u1eadn b\u1ea3o l\u00e3nh) s\u1ebd th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thay cho b\u00ean c\u00f3 ngh\u0129a v\u1ee5 (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh), 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. C\u00e1c b\u00ean c\u0169ng c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c b\u00ean b\u1ea3o l\u00e3nh ch\u1ec9 ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 khi b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh.<\/em>\u201d Trong khi \u0111\u00f3 Lu\u1eadt \u0110\u1ea5t \u0111ai hi\u1ec7n h\u00e0nh n\u0103m 2003, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2009 l\u1ea1i nhi\u1ec1u l\u1ea7n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c b\u1ea3o l\u00e3nh b\u00ean c\u1ea1nh vi\u1ec7c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t. Cu\u1ed1n s\u00e1ch \u201cB\u00ecnh lu\u1eadn khoa h\u1ecdc B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005\u201d c\u1ee7a Vi\u1ec7n Khoa h\u1ecdc Ph\u00e1p l\u00fd, B\u1ed9 T\u01b0 ph\u00e1p, do PGS.TS Ho\u00e0ng Th\u1ebf Li\u00ean ch\u1ee7 bi\u00ean, t\u1ea1i trang 157 c\u0169ng gi\u1ea3i th\u00edch \u0110i\u1ec1u 361, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 r\u1eb1ng: \u201c\u0110i\u1ec1u kh\u00e1c nhau c\u01a1 b\u1ea3n gi\u1eefa ch\u1ebf \u0111\u1ecbnh b\u1ea3o l\u00e3nh v\u00e0 c\u00e1c ch\u1ebf \u0111\u1ecbnh b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 n\u00eau tr\u00ean l\u00e0 \u1edf ch\u1ed7 b\u1ea3o l\u00e3nh l\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1, trong \u0111\u00f3 ng\u01b0\u1eddi th\u1ee9 ba d\u00f9ng t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a ch\u00ednh ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n nh\u01b0 c\u00e1c ch\u1ebf \u0111\u1ecbnh b\u1ea3o \u0111\u1ea3m kh\u00e1c<\/em>.\u201d<\/p>\n

                        Kho\u1ea3n 1, \u0110i\u1ec1u 47 \u201cX\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ee7a b\u00ean b\u1ea3o l\u00e3nh\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 vi\u1ec7c c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh th\u00ec t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c x\u1eed l\u00fd theo quy \u0111\u1ecbnh t\u1ea1i Ch\u01b0\u01a1ng IV c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y<\/em>.\u201d \u0111\u00e3 d\u1eabn \u0111\u1ebfn c\u00e1ch hi\u1ec3u, b\u1ea3o l\u00e3nh g\u1ed3m 2 tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0a tr\u01b0\u1edbc v\u00e0 ch\u01b0a \u0111\u01b0a t\u00e0i s\u1ea3n v\u00e0o c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p.<\/p>\n

                        10.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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

                        B\u00e3i b\u1ecf quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 47 \u201cX\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ee7a b\u00ean b\u1ea3o l\u00e3nh\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP.<\/p>\n

                        Tr\u01b0\u1edbc m\u1eaft \u0111\u1ec1 ngh\u1ecb U\u1ef7 ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i gi\u1ea3i th\u00edch r\u00f5 kh\u00e1i ni\u1ec7m b\u1ea3o l\u00e3nh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 \u0111\u1ec1 ngh\u1ecb To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao ch\u1ec9 \u0111\u1ea1o x\u00e9t x\u1eed theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n

                        <\/a>11.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 u\u1ef7 quy\u1ec1n giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        11.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Nhi\u1ec1u ng\u01b0\u1eddi, trong \u0111\u00f3 c\u00f3 m\u1ed9t s\u1ed1 th\u1ea9m ph\u00e1n cho r\u1eb1ng, ch\u1ec9 ch\u1ea5p nh\u1eadn h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n giao d\u1ecbch b\u1ea3o \u0111\u1ea3m 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 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n hay cho ng\u01b0\u1eddi kh\u00e1c.[16]<\/sup><\/a><\/p>\n

                        11.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        <\/a>\u0110i\u1ec1u 581\u00a0\u201cH\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh: \u201cH\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n l\u00e0 s\u1ef1 tho\u1ea3 thu\u1eadn gi\u1eefa c\u00e1c b\u00ean, theo \u0111\u00f3 b\u00ean \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n c\u00f3 ngh\u0129a v\u1ee5 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c nh\u00e2n danh b\u00ean u\u1ef7 quy\u1ec1n<\/em>\u201d \u0111\u00e3 b\u1ecb nhi\u1ec1u ng\u01b0\u1eddi hi\u1ec3u sai r\u1eb1ng, m\u1ecdi h\u00e0nh \u0111\u1ed9ng c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n \u0111\u1ec1u ph\u1ea3i v\u00ec l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi \u1ee7y quy\u1ec1n, do \u0111\u00f3 k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 vay v\u1ed1n cho ng\u01b0\u1eddi kh\u00e1c l\u00e0 tr\u00e1i lu\u1eadt.<\/p>\n

                        11.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        Quy \u0111\u1ecbnh, gi\u1ea3i th\u00edch r\u00f5 vi\u1ec7c u\u1ef7 quy\u1ec1n c\u00f3 th\u1ec3 bao g\u1ed3m \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u1ea3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean u\u1ef7 quy\u1ec1n, t\u1ee9c l\u00e0 b\u00ean \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n ho\u00e0n to\u00e0n c\u00f3 quy\u1ec1n k\u00fd h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 cho ch\u00ednh ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n hay cho ng\u01b0\u1eddi kh\u00e1c \u0111\u1ec1u l\u00e0 h\u1ee3p ph\u00e1p.<\/p>\n

                        <\/a>12.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 m\u1ed9t ng\u01b0\u1eddi \u0111\u1ed3ng th\u1eddi k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m v\u1edbi 2 t\u01b0 c\u00e1ch:<\/p>\n

                        <\/a><\/a>12.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Vi\u1ec7c 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 h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m l\u00e0 tr\u01b0\u1eddng h\u1ee3p kh\u00e1 ph\u1ed5 bi\u1ebfn. Ch\u1eb3n h\u1ea1n 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, n\u00f3 l\u1ea1i d\u1eabn \u0111\u1ebfn h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd n\u1eb7ng n\u1ec1, \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

                        12.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Kho\u1ea3n 5, \u0110i\u1ec1u 144 \u201c<\/a>Ph\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.<\/p>\n

                        12.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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.<\/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

                        <\/a>13.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        13.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        H\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 nh\u1eefng n\u1ed9i dung n\u00e0o l\u00e0 v\u1ea5n \u0111\u1ec1 ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh r\u00f5. Ch\u1eb3ng h\u1ea1n gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ed9i dung tr\u1ecdng y\u1ebfu c\u1ee7a c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, nh\u01b0ng theo h\u01b0\u1edbng, d\u1eabn c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p th\u00ec l\u1ea1i kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i ghi trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, tr\u1eeb th\u1ebf ch\u1ea5p nh\u00e0 \u1edf l\u00e0 ph\u1ea3i ghi r\u00f5, do ph\u1ea3i th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 114 \u201c\u0110i\u1ec1u ki\u1ec7n th\u1ebf ch\u1ea5p nh\u00e0 \u1edf, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005. T\u1eeb \u0111\u00f3 C\u00f4ng v\u0103n c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p kh\u1eb3ng \u0111\u1ecbnh \u201cC\u00f4ng ch\u1ee9ng vi\u00ean y\u00eau c\u1ea7u trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ph\u1ea3i c\u00f3 \u0111i\u1ec1u kho\u1ea3n v\u1ec1 gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 kh\u00f4ng \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/em>.\u201d[17]<\/sup><\/a> N\u1ebfu nh\u01b0 v\u1eady, th\u00ec ch\u1eb3ng ho\u00e1 ra, h\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n, n\u1ebfu kh\u00f4ng ghi gi\u00e1 c\u1ea3 v\u00e0 gi\u00e1 tr\u1ecb th\u00ec c\u0169ng kh\u00f4ng tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt?<\/p>\n

                        13.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        \u0110i\u1ec1u 402 \u201c<\/a><\/a><\/a>N\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 ch\u1ec9 quy \u0111\u1ecbnh \u201cTu\u1ef3 theo t\u1eebng lo\u1ea1i h\u1ee3p \u0111\u1ed3ng, c\u00e1c b\u00ean c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn v\u1ec1 nh\u1eefng n\u1ed9i dung sau \u0111\u00e2y\u201d. Nh\u01b0 v\u1eady th\u00ec tr\u1eeb khi ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 \u0111i\u1ec1u kho\u1ea3n b\u1eaft bu\u1ed9c nh\u01b0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m,… c\u00e1c h\u1ee3p \u0111\u1ed3ng kh\u00e1c kh\u00f4ng c\u1ea7n bi\u1ebft c\u00f3 hay kh\u00f4ng c\u00f3 \u0111i\u1ec1u kho\u1ea3n ch\u1ee7 y\u1ebfu (b\u1eaft bu\u1ed9c).<\/p>\n

                        13.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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

                        <\/a>14.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 c\u00e1c th\u1ee7 t\u1ee5c b\u1eaft bu\u1ed9c trong th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n:<\/p>\n

                        14.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc: [18]<\/sup><\/a><\/p>\n

                        Vi\u1ec7c \u0111\u1ed3ng th\u1eddi ph\u1ea3i c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m g\u00e2y ph\u1ee9c t\u1ea1p, t\u1ed1n k\u00e9m kh\u00f4ng c\u1ea7n thi\u1ebft. 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 chia 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.<\/p>\n

                        14.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/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.<\/p>\n

                        14.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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 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

                        <\/a>15.\u00a0\u00a0\u00a0\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

                        15.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/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. \u0110\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p h\u00e0ng ho\u00e1, 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. B\u00ean th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c quy\u1ec1n \u0111\u01b0\u01a1ng nhi\u00ean b\u00e1n h\u1ee3p ph\u00e1p, k\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c b\u00e1n ph\u1ea3i c\u00f3 s\u1ef1 cho ph\u00e9p c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p. Do \u0111\u00f3 nguy\u00ean t\u1eafc th\u1ee9 t\u1ef1 \u01b0u ti\u00ean t\u1ea1i \u0110i\u1ec1u 325 v\u1ec1 \u201cTh\u1ee9 t\u1ef1 \u01b0u ti\u00ean thanh to\u00e1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f2n \u00fd ngh\u0129a tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

                        15.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Ph\u00e1p lu\u1eadt cho ph\u00e9p b\u00ean th\u1ebf ch\u1ea5p t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c quy\u1ec1n b\u00e1n, kh\u00f4ng c\u1ea7n c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean th\u1ebf ch\u1ea5p.[19]<\/a> V\u1edbi m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd hi\u1ec7n nay, n\u1ebfu \u0111\u00e3 cho b\u00ean th\u1ebf ch\u1ea5p b\u00e1n h\u00e0ng kh\u00f4ng c\u1ea7n c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p, th\u00ec quy\u1ec1n b\u1ea3o \u0111\u1ea3m c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p g\u1ea7n nh\u01b0 l\u00e0 v\u00f4 ngh\u0129a.<\/p>\n

                        15.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP theo h\u01b0\u1edbng, \u0111\u00e3 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p r\u1ed3i, th\u00ec m\u1ecdi vi\u1ec7c mua b\u00e1n, trao \u0111\u1ed5i, t\u1eb7ng cho h\u00e0ng ho\u00e1 m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u1ec1u l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n

                        <\/a>16.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        <\/a><\/a><\/a><\/a>16.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/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.[20]<\/a> 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 b\u00ean th\u1ee9 nh\u1ea5t v\u00e0 b\u00ean 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

                        16.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        V\u1edbi m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh li\u00ean quan d\u01b0\u1edbi \u0111\u00e2y c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 \u0111\u00e3, d\u1eabn \u0111\u1ebfn c\u00e1ch hi\u1ec3u ph\u1ed5 bi\u1ebfn l\u00e0, c\u1ee9 kh\u00f4ng c\u00f4ng ch\u1ee9ng ho\u1eb7c kh\u00f4ng \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1eaft bu\u1ed9c ph\u1ea3i th\u1ef1c hi\u1ec7n th\u00ec \u0111\u1ec1u l\u00e0 v\u00f4 hi\u1ec7u:<\/p>\n

                        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 122 \u201c<\/a>\u0110i\u1ec1u ki\u1ec7n c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1\u201d 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;<\/p>\n

                        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec1u 134 \u201c<\/a><\/a><\/a>Giao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do kh\u00f4ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 h\u00ecnh th\u1ee9c\u201d quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh h\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 m\u00e0 c\u00e1c b\u00ean kh\u00f4ng tu\u00e2n theo th\u00ec theo y\u00eau c\u1ea7u c\u1ee7a m\u1ed9t ho\u1eb7c c\u00e1c b\u00ean, To\u00e0 \u00e1n, c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n kh\u00e1c quy\u1ebft \u0111\u1ecbnh bu\u1ed9c c\u00e1c b\u00ean th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh v\u1ec1 h\u00ecnh th\u1ee9c c\u1ee7a giao d\u1ecbch trong m\u1ed9t th\u1eddi h\u1ea1n; qu\u00e1 th\u1eddi h\u1ea1n \u0111\u00f3 m\u00e0 kh\u00f4ng th\u1ef1c hi\u1ec7n th\u00ec giao d\u1ecbch v\u00f4 hi\u1ec7u<\/em>\u201d;<\/p>\n

                        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 3, \u0110i\u1ec1u 323 \u201c<\/a>\u0110\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m\u201d, 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

                        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110o\u1ea1n 2, kho\u1ea3n 2, \u0110i\u1ec1u 401 \u201c<\/a>H\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1\u201d, 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.<\/p>\n

                        16.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng, kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, \u0111\u1ed3ng th\u1eddi quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c kh\u00f4ng c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng, trong tr\u01b0\u1eddng h\u1ee3p b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng, c\u0169ng kh\u00f4ng b\u1ecb v\u00f4 hi\u1ec7u, m\u00e0 ch\u1ec9 l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh. T\u01b0\u01a1ng t\u1ef1, vi\u1ec7c kh\u00f4ng \u0111\u0103ng k\u00fd giao d\u1ecbch b\u00e0o \u0111\u1ea3m th\u00ec c\u00e0ng 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).<\/p>\n

                        <\/a>17.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 bi\u1ec7n ph\u00e1p thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd:<\/p>\n

                        17.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        V\u1ec1 nguy\u00ean l\u00fd chung, trong tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o \u0111\u1ea3m kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang ngh\u0129a v\u1ee5 \u0111\u00e3 giao k\u1ebft, b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m c\u00f3 quy\u1ec1n truy \u0111\u00f2i, thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd. Tuy nhi\u00ean, do vi\u1ec7c chuy\u1ec3n giao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m cho b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c b\u00ean b\u1ea3o \u0111\u1ea3m b\u1ecb m\u1ea5t t\u00e0i s\u1ea3n \u0111\u00f3, n\u00ean b\u00ean b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng c\u00f3 th\u00e1i \u0111\u1ed9 b\u1ea5t h\u1ee3p t\u00e1c, ch\u00e2y \u1ef3 v\u00e0 t\u00ecm c\u00e1ch tr\u00ec ho\u00e3n vi\u1ec7c chuy\u1ec3n giao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

                        17.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Kho\u1ea3n 5, \u0110i\u1ec1u 63 \u201cThu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 x\u1eed l\u00fd\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP \u0111\u00e3 quy \u0111\u1ecbnh v\u1ec1 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a UBND c\u1ea5p x\u00e3 v\u00e0 c\u01a1 quan C\u00f4ng an \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, nh\u01b0ng ch\u1ec9 c\u00f3 nhi\u1ec7m v\u1ee5 \u201cgi\u1eef g\u00ecn an ninh, tr\u1eadt t\u1ef1, b\u1ea3o \u0111\u1ea3m cho ng\u01b0\u1eddi x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ef1c hi\u1ec7n quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d.<\/p>\n

                        17.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 quy\u1ec1n h\u1ea1n, tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc (UBND, c\u01a1 quan C\u00f4ng an v\u00e0 c\u01a1 quan kh\u00e1c) h\u1ed7 tr\u1ee3 ho\u1ea1t \u0111\u1ed9ng x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m trong c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

                        <\/a>18.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1ee7 t\u1ee5c gi\u1ea3i ch\u1ea5p t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        18.1.\u00a0 V\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, sang t\u00ean t\u00e0i s\u1ea3n th\u00ec ph\u1ea3i ti\u1ebfn h\u00e0nh th\u1ee7 t\u1ee5c gi\u1ea3i ch\u1ea5p t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Trong m\u1ed9t kho\u1ea3ng th\u1eddi gian t\u01b0\u01a1ng \u0111\u1ed1i d\u00e0i, c\u00f3 khi h\u00e0ng n\u0103m, kho\u1ea3n n\u1ee3 \u0111ang t\u1eeb c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u1edf th\u00e0nh kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m tr\u1edf th\u00e0nh kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf giao d\u1ecbch, g\u00e2y ra r\u1ee7i ro l\u1edbn cho b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m. Th\u1eadm ch\u00ed, c\u01a1 quan thi h\u00e0nh \u00e1n c\u00f3 th\u1ec3 ra quy\u1ebft \u0111\u1ecbnh c\u01b0\u1ee1ng ch\u1ebf, k\u00ea bi\u00ean t\u00e0i s\u1ea3n trong kho\u1ea3ng th\u1eddi gian n\u00e0y, th\u00ec b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p s\u1ebd m\u1ea5t quy\u1ec1n \u01b0u ti\u00ean.<\/p>\n

                        18.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Do kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh r\u00f5, n\u00ean c\u00e1c t\u1ed5 ch\u1ee9c c\u00f4ng ch\u1ee9ng v\u00e0 c\u00e1c c\u01a1 quan \u0111ang hi\u1ec3u theo nguy\u00ean t\u1eafc r\u1eb1ng, t\u00e0i s\u1ea3n \u0111ang \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5, th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p giao d\u1ecbch, chuy\u1ec3n nh\u01b0\u1ee3ng, d\u00f9 ch\u00ednh b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m \u0111\u1ed3ng \u00fd.<\/p>\n

                        18.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        H\u01b0\u1edbng d\u1eabn v\u00e0 quy \u0111\u1ecbnh r\u00f5 cho ph\u00e9p k\u00fd h\u1ee3p \u0111\u1ed3ng v\u00e0 sang t\u00ean, \u0111\u1ed5i ch\u1ee7 t\u00e0i s\u1ea3n trong th\u1eddi gian ch\u01b0a gi\u1ea3i ch\u1ea5p, n\u1ebfu b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m \u0111\u1ed3ng \u00fd ho\u1eb7c quy \u0111\u1ecbnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n cho kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd t\u1eeb th\u1eddi \u0111i\u1ec3m gi\u1ea3i ch\u1ea5p \u0111\u1ebfn khi t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u00e3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd xong.<\/p>\n

                        <\/a>19.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1ea9m quy\u1ec1n b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        19.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u00f3 \u0111i\u1ec1u kho\u1ea3n tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c quy\u1ec1n b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, th\u1eadm ch\u00ed ghi nh\u1eadn r\u00f5 vi\u1ec7c b\u00ean th\u1ebf ch\u1ea5p u\u1ef7 quy\u1ec1n cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, h\u1ea7u h\u1ebft c\u00f4ng ch\u1ee9ng vi\u00ean, t\u1ed5 ch\u1ee9c b\u00e1n \u0111\u1ea5u gi\u00e1 v\u00e0 c\u01a1 quan \u0111\u0103ng k\u00fd sang t\u00ean b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u1ec9 ch\u1ea5p nh\u1eadn th\u1ecfa thu\u1eadn t\u1ea1i th\u1eddi \u0111i\u1ec3m b\u00e1n t\u00e0i s\u1ea3n, m\u00e0 kh\u00f4ng ch\u1ea5p nh\u1eadn th\u1ecfa thu\u1eadn t\u1eeb tr\u01b0\u1edbc trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, m\u00e0 \u0111\u00f2i h\u1ecfi b\u00ean th\u1ebf ch\u1ea5p ph\u1ea3i k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n ho\u1eb7c h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Vi\u1ec7c n\u00e0y \u0111\u00e3 l\u00e0m cho qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng ph\u1ea3i \u0111\u01b0a ra To\u00e0 \u00e1n, b\u1ecb k\u00e9o d\u00e0i, t\u1ed1n k\u00e9m v\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c h\u1ea1ch to\u00e1n, n\u1ed9p thu\u1ebf kh\u00f4ng \u0111\u00fang v\u1edbi b\u1ea3n ch\u1ea5t giao d\u1ecbch.<\/p>\n

                        M\u1ed9t s\u1ed1 TCTD \u0111\u00e3 \u0111\u1ed1i ph\u00f3 v\u1edbi vi\u1ec7c n\u00e0y b\u1eb1ng c\u00e1ch: L\u00e0m h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n b\u00e1n t\u00e0i s\u1ea3n c\u00f9ng th\u1eddi \u0111i\u1ec3m v\u1edbi vi\u1ec7c k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p. \u0110i\u1ec1u n\u00e0y l\u00e0 b\u1ea5t h\u1ee3p l\u00fd v\u00e0 c\u0169ng ch\u1ec9 m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c c\u00f4ng ch\u1ee9ng ch\u1ea5p nh\u1eadn.<\/p>\n

                        19.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        \u0110i\u1ec1u 64a \u201cB\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d v\u00e0 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP cho ph\u00e9p b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c b\u00e1n ho\u1eb7c y\u00eau c\u1ea7u t\u1ed5 ch\u1ee9c b\u00e1n \u0111\u1ea5u gi\u00e1 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo th\u1ecfa thu\u1eadn. Kho\u1ea3n 2, \u0110i\u1ec1u 70 \u201cChuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP \u0111\u00e3 quy \u0111\u1ecbnh: \u201cTrong tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh vi\u1ec7c chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n ph\u1ea3i c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu, h\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n gi\u1eefa ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n ho\u1eb7c ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n v\u1edbi ng\u01b0\u1eddi mua t\u00e0i s\u1ea3n v\u1ec1 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 thay th\u1ebf cho c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0y<\/em>.\u201d<\/p>\n

                        Tuy nhi\u00ean do ch\u01b0a c\u00f3 s\u1ef1 th\u1ed1ng nh\u1ea5t v\u1edbi Lu\u1eadt \u0110\u1ea5t \u0111ai, Lu\u1eadt Nh\u00e0 \u1edf v\u00e0 ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3.<\/p>\n

                        19.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        Ban h\u00e0nh Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 kho\u1ea3n 2, \u0110i\u1ec1u 70, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP.<\/p>\n

                        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, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 70, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP.<\/p>\n

                        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

                        <\/a>20.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 nh\u1eadn t\u00e0i s\u1ea3n thay th\u1ebf ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 (g\u00e1n n\u1ee3);<\/p>\n

                        20.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean nh\u1eadn ch\u00ednh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u00f3i ri\u00eang, c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c ph\u1ea3i \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu n\u00f3i chung, \u0111\u1ec3 thay th\u1ebf cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 (g\u00e1n n\u1ee3) th\u00ec l\u1ea1i ph\u1ea3i l\u1eadp h\u1ee3p \u0111\u1ed3ng mua b\u00e1n th\u00ec m\u1edbi \u0111\u01b0\u1ee3c sang t\u00ean.<\/p>\n

                        20.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        \u0110i\u1ec1u 64b \u201cNh\u1eadn ch\u00ednh t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thay th\u1ebf cho vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP \u0111\u00e3 quy \u0111\u1ecbnh nh\u01b0ng B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 th\u00ec ch\u01b0a \u0111\u1ec1 c\u1eadp \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p n\u00e0y v\u00e0 c\u00e1c th\u00f4ng t\u01b0, th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 li\u00ean quan th\u00ec ch\u1ec9 h\u01b0\u1edbng d\u1eabn th\u1ee7 t\u1ee5c mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng, t\u1eb7ng cho t\u00e0i s\u1ea3n, m\u00e0 kh\u00f4ng c\u00f3 tr\u01b0\u1eddng h\u1ee3p nh\u1eadn ch\u00ednh t\u00e0i s\u1ea3n thay th\u1ebf cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3.<\/p>\n

                        20.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        H\u01b0\u1edbng d\u1eabn c\u00e1c t\u1ed5 ch\u1ee9c c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd sang t\u00ean b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u1ea5p nh\u1eadn h\u00ecnh th\u1ee9c nh\u1eadn ch\u00ednh t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thay th\u1ebf cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3, thay v\u00ec ph\u1ea3i l\u00e0m h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng t\u00e0i s\u1ea3n.<\/p>\n

                        S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 theo h\u01b0\u1edbng, quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 vi\u1ec7c n\u00e0y.<\/p>\n

                        <\/a>21.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        21.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Th\u1ef1c ti\u1ec5n x\u1eed l\u00fd n\u1ee3 cho th\u1ea5y TCTD ph\u1ea3i s\u1eed d\u1ee5ng nhi\u1ec1u gi\u1ea3i ph\u00e1p \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3, nh\u01b0ng n\u1ebfu kh\u00f4ng \u0111em l\u1ea1i hi\u1ec7u qu\u1ea3 th\u00ec kh\u1edfi ki\u1ec7n ra T\u00f2a \u00e1n \u0111\u1ec3 thu h\u1ed3i n\u1ee3 s\u1ebd l\u00e0 gi\u1ea3i ph\u00e1p cu\u1ed1i c\u00f9ng. Tuy nhi\u00ean, qu\u00e1 tr\u00ecnh n\u00e0y th\u01b0\u1eddng m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian (To\u00e0 \u00e1n gi\u1ea3i quy\u1ebft xong m\u1ed9t v\u1ee5 \u00e1n th\u01b0\u1eddng m\u1ea5t m\u1ed9t v\u00e0i n\u0103m) v\u00e0 chi ph\u00ed c\u1ee7a TCTD. \u0110\u1eb7c bi\u1ec7t, mu\u1ed1n x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c kh\u1edfi ki\u1ec7n th\u1eb3ng b\u00ean c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, m\u00e0 ph\u1ea3i ki\u1ec7n b\u00ean vay v\u1ed1n (\u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng)..<\/p>\n

                        21.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        C\u01a1 ch\u1ebf, th\u1ee7 t\u1ee5c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u00f2n r\u01b0\u1eddm r\u00e0, ph\u1ee9c t\u1ea1p v\u00e0 ph\u1ee5 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o \u00fd ch\u00ed c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m (b\u00ean c\u00f3 ngh\u0129a v\u1ee5 thanh to\u00e1n n\u1ee3) nh\u01b0 ng\u01b0\u1eddi b\u1ecb ki\u1ec7n, ng\u01b0\u1eddi c\u00f3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 li\u00ean quan b\u1ecf tr\u1ed1n kh\u1ecfi n\u01a1i c\u01b0 tr\u00fa, c\u1ed1 \u00fd tr\u00ec ho\u00e3n v\u1eafng m\u1eb7t nhi\u1ec1u l\u1ea7n \u1edf phi\u00ean to\u00e0… C\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi vay v\u1ed1n, ng\u01b0\u1eddi th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh vay v\u1ed1n b\u1ecb kh\u1edfi t\u1ed1, \u0111i\u1ec1u tra x\u1eed l\u00fd trong m\u1ed9t v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 kh\u00e1c kh\u00f4ng li\u00ean quan \u0111\u1ebfn vi\u1ec7c ng\u01b0\u1eddi vay v\u1ed1n, b\u00ean th\u1ebf ch\u1ea5p, b\u00ean b\u1ea3o l\u00e3nh vay v\u1ed1n t\u1ea1i TCTD, nh\u01b0ng T\u00f2a \u00e1n v\u1eabn ra quy\u1ebft \u0111\u1ecbnh t\u1ea1m \u0111\u00ecnh ch\u1ec9 vi\u1ec7c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n \u0111\u1ec3 ch\u1edd k\u1ebft qu\u1ea3 gi\u1ea3i quy\u1ebft c\u1ee7a c\u01a1 quan \u0111i\u1ec1u tra. Ho\u1eb7c TCTD c\u0169ng ph\u1ea3i ch\u1edd \u0111\u1ee3i khi T\u00f2a \u00e1n quy\u1ebft \u0111\u1ecbnh t\u1ea1m \u0111\u00ecnh ch\u1ec9 vi\u1ec7c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n \u0111\u1ec3 \u0111\u1ee3i c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n tr\u1ea3 l\u1eddi v\u1ec1 n\u1ed9i dung T\u00f2a \u00e1n c\u00f3 v\u0103n b\u1ea3n h\u1ecfi.<\/p>\n

                        21.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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 gi\u1ea3i quy\u1ebft 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, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng, 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

                        <\/a>22.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ec1 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1:<\/p>\n

                        22.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n ng\u1eafn v\u00e0 \u0111\u01b0\u1ee3c t\u00ednh \u201ct\u1eeb ng\u00e0y quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n, c\u00e1c ch\u1ee7 th\u1ec3 kh\u00e1c b\u1ecb x\u00e2m ph\u1ea1m<\/em>\u201d kh\u00f4ng b\u1ea3o \u0111\u1ea3m quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i b\u1ecb x\u00e2m ph\u1ea1m.<\/p>\n

                        22.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        \u0110i\u1ec1u 427 \u201cTh\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n v\u1ec1 h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh: \u201cTh\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ec3 y\u00eau c\u1ea7u To\u00e0 \u00e1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 l\u00e0 hai n\u0103m, k\u1ec3 t\u1eeb ng\u00e0y quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n, c\u00e1c ch\u1ee7 th\u1ec3 kh\u00e1c b\u1ecb x\u00e2m ph\u1ea1m<\/em>\u201d.<\/p>\n

                        22.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 theo h\u01b0\u1edbng k\u00e9o d\u00e0i th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n t\u1eeb 2 n\u0103m l\u00ean 3 n\u0103m, nh\u01b0 \u0111\u00e3 t\u1eebng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 n\u0103m 1991, \u0111\u1ed3ng th\u1eddi thay th\u1ebf quy \u0111\u1ecbnh \u201ck\u1ec3 t\u1eeb ng\u00e0y quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n, c\u00e1c ch\u1ee7 th\u1ec3 kh\u00e1c b\u1ecb x\u00e2m ph\u1ea1m<\/em>\u201d b\u1eb1ng quy \u0111\u1ecbnh \u201ck\u1ec3 t\u1eeb ng\u00e0y bi\u1ebft ho\u1eb7c ph\u1ea3i bi\u1ebft quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh b\u1ecb x\u00e2m ph\u1ea1m.<\/em>\u201d.<\/p>\n

                        <\/a>23.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 sau khi b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        <\/a><\/a>23.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Sau khi b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba \u0111\u1ec3 tr\u1ea3 n\u1ee3, n\u1ebfu v\u1eabn kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 tr\u1ea3 n\u1ee3, th\u00ec b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m hay b\u00ean b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 hay c\u1ea3 hai b\u00ean c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 l\u00e0 \u0111i\u1ec1u kh\u00f4ng r\u00f5 r\u00e0ng, d\u1eabn \u0111\u1ebfn vi\u1ec7c tranh c\u00e3i ph\u1ee9c t\u1ea1p v\u1ec1 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3.<\/p>\n

                        23.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        \u0110i\u1ec1u 338 <\/a>\u201cThanh to\u00e1n ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1\u201d v\u00e0 \u0110i\u1ec1u 355 <\/a>\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: 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

                        23.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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

                        <\/a>24.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 c\u00f4ng khai th\u00f4ng tin giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        24.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Th\u00f4ng tin v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, \u0111\u1eb7c bi\u1ec7t th\u00f4ng tin v\u1ec1 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, ph\u1ea3i \u0111\u01b0\u1ee3c c\u00f4ng khai r\u1ed9ng r\u00e3i th\u00ec m\u1edbi ph\u00e1t huy \u0111\u01b0\u1ee3c \u00fd ngh\u0129a, t\u00e1c d\u1ee5ng. Tuy nhi\u00ean, hi\u1ec7n nay trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p \u0111ang h\u1ea1n ch\u1ebf c\u00f4ng khai c\u00e1c th\u00f4ng tin giao d\u1ecbch k\u00fd qu\u1ef9, c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh c\u1ee7a kh\u00e1ch h\u00e0ng, v\u00ec quy \u0111\u1ecbnh ph\u1ea3i b\u1ea3o m\u1eadt th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

                        24.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        <\/a><\/a><\/a><\/a>Kho\u1ea3n 2, \u0110i\u1ec1u 14 \u201cB\u1ea3o m\u1eadt th\u00f4ng tin\u201d, Lu\u1eadt C\u00e1c TCTD n\u0103m 2010 quy \u0111\u1ecbnh: \u201c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i b\u1ea3o \u0111\u1ea3m b\u00ed m\u1eadt th\u00f4ng tin li\u00ean quan \u0111\u1ebfn t\u00e0i kho\u1ea3n, ti\u1ec1n g\u1eedi, t\u00e0i s\u1ea3n g\u1eedi v\u00e0 c\u00e1c giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i<\/em>.\u201d Kho\u1ea3n 1, \u0110i\u1ec1u 6 \u201cB\u1ea3o v\u1ec7 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u201d, Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u0103m 2010 quy \u0111\u1ecbnh: \u201cNg\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m an to\u00e0n, b\u00ed m\u1eadt th\u00f4ng tin c\u1ee7a m\u00ecnh khi tham gia giao d\u1ecbch, s\u1eed d\u1ee5ng h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n y\u00eau c\u1ea7u<\/em>.\u201d Nh\u01b0 v\u1eady, trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, th\u00f4ng tin v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u00f3 th\u1ec3 l\u00e0 th\u00f4ng tin m\u1eadt, do \u0111\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cung c\u1ea5p, ph\u1ed5 bi\u1ebfn r\u1ed9ng r\u00e3i.<\/p>\n

                        24.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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 TCTD 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

                        \u0110\u1ed3ng th\u1eddi, \u0111\u1ec1 ngh\u1ecb nhanh ch\u00f3ng x\u00e2y d\u1ef1ng H\u1ec7 th\u1ed1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u chung trong c\u1ea3 n\u01b0\u1edbc v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m gi\u00fap truy c\u1eadp, \u0111\u0103ng k\u00fd nhanh v\u00e0 cung c\u1ea5p th\u00f4ng tin ch\u00ednh x\u00e1c, k\u1ecbp th\u1eddi v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m<\/p>\n

                        <\/a>25.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p b\u1ecb t\u1ecbch thu:<\/p>\n

                        25.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p b\u1ecb thu gi\u1eef ho\u1eb7c t\u1ecbch thu theo t\u1ed1 t\u1ee5ng h\u00e0nh ch\u00ednh ho\u1eb7c h\u00ecnh s\u1ef1, d\u1eabn \u0111\u1ebfn b\u00ean nh\u1eadn c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p m\u1ea5t quy\u1ec1n \u01b0u ti\u00ean x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thanh to\u00e1n n\u1ee3.<\/p>\n

                        25.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng h\u00ecnh s\u1ef1 n\u0103m 2003 v\u00e0 Lu\u1eadt X\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh n\u0103m 2012 quy \u0111\u1ecbnh thu gi\u1eef v\u00e0 x\u1eed l\u00fd sung c\u00f4ng c\u00e1c t\u00e0i s\u1ea3n l\u00e0 c\u00f4ng c\u1ee5, ph\u01b0\u01a1ng ti\u1ec7n ph\u1ea1m t\u1ed9i, vi ph\u1ea1m h\u00e0nh ch\u00ednh.<\/p>\n

                        25.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (ho\u1eb7c Lu\u1eadt ri\u00eang v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m), B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng h\u00ecnh s\u1ef1 v\u00e0 Lu\u1eadt T\u1ed1 t\u1ee5ng h\u00e0nh ch\u00ednh theo h\u01b0\u1edbng, x\u1eed l\u00fd xung \u0111\u1ed9t trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y. V\u1ec1 nguy\u00ean t\u1eafc, ph\u1ea3i \u01b0u ti\u00ean cho b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m, c\u0169ng nh\u01b0 ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n n\u1ebfu h\u1ecd kh\u00f4ng vi ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 r\u01a1i v\u00e0o tr\u01b0\u1eddng h\u1ee3p b\u1ecb t\u1ecbch thu t\u00e0i s\u1ea3n.<\/p>\n

                        <\/a>26.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng khi b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        26.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u1ec3 thu h\u1ed3i n\u1ee3, tuy kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng kinh doanh, nh\u01b0ng v\u1eabn ph\u1ea3i n\u1ed9p thu\u1ebf GTGT (kh\u00f4ng \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf nh\u01b0 \u0111\u00e3 t\u1eebng th\u1ef1c hi\u1ec7n nhi\u1ec1u n\u0103m tr\u01b0\u1edbc \u0111\u00e2y). Quy \u0111\u1ecbnh n\u00e0y l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd v\u00e0 kh\u00f4ng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho vi\u1ec7c x\u1eed l\u00fd n\u1ee3 c\u1ee7a c\u00e1c TCTD, nh\u1ea5t l\u00e0 trong giai \u0111o\u1ea1n n\u00e0y v\u00e0 tr\u00ean th\u1ef1c t\u1ebf \u0111a s\u1ed1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p, s\u1ed1 ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 tr\u1ea3 n\u1ee3.<\/p>\n

                        26.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Lu\u1eadt v\u00e0 Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (GTGT) kh\u00f4ng quy \u0111\u1ecbnh cho mi\u1ec5n thu\u1ebf GTGT \u0111\u1ed1i v\u1edbi vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Tv\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn, \u0111\u1eb7c bi\u1ec7t t\u1ea1i \u0111i\u1ec3m a, kho\u1ea3n 8, \u0110i\u1ec1u 4 \u201c\u0110\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ch\u1ecbu thu\u1ebf GTGT\u201d, Th\u00f4ng t\u01b0 s\u1ed1 06\/2012\/TT-BTC ng\u00e0y 11-01-2012 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh quy \u0111\u1ecbnh: \u201cT\u00e0i s\u1ea3n s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ti\u1ec1n vay c\u1ee7a ng\u01b0\u1eddi n\u1ed9p thu\u1ebf GTGT ho\u1eb7c \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu sang b\u00ean cho vay khi b\u00e1n ph\u1ea3i ch\u1ecbu thu\u1ebf GTGT, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p l\u00e0 h\u00e0ng ho\u00e1 kh\u00f4ng ch\u1ecbu thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 4 Th\u00f4ng t\u01b0 n\u00e0y\u201d<\/em><\/p>\n

                        26.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        \u0110\u1ec1 xu\u1ea5t v\u1edbi B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c mi\u1ec5n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng khi b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m nh\u01b0 \u0111\u00e3 t\u1eebng quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00e2y t\u1ea1i kho\u1ea3n 7, \u0110i\u1ec1u 4 \u201c\u0110\u1ed1i t\u01b0\u1ee3ng thu\u1ed9c di\u1ec7n kh\u00f4ng ch\u1ecbu thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 158\/2003\/N\u0110-CP ng\u00e0y 10-12-2003. Vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u1ec3 thu h\u1ed3i n\u1ee3 ch\u1ec9 n\u00ean thu thu\u1ebf \u0111\u1ed1i v\u1edbi ph\u1ea7n gi\u00e1 tr\u1ecb v\u01b0\u1ee3t qu\u00e1 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c thu thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c x\u1eed l\u00fd n\u1ee3 c\u1ee7a c\u00e1c TCTD, nh\u1ea5t l\u00e0 trong giai \u0111o\u1ea1n n\u00e0y h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, s\u1ed1 ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 tr\u1ea3 n\u1ee3.<\/p>\n

                        <\/a>27.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 ph\u00ed thi h\u00e0nh \u00e1n:<\/p>\n

                        27.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        V\u1edbi th\u1eddi gian x\u00e9t x\u1eed qu\u00e1 d\u00e0i, c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ch\u1eadm tr\u1ea3 v\u00e0 l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n nh\u01b0 l\u00e2u nay (ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i l\u00e3i qu\u00e1 h\u1ea1n theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, th\u1ea5p h\u01a1n l\u00e3i su\u1ea5t n\u1ee3 g\u1ed1c), b\u00ean \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n c\u00f2n ph\u1ea3i n\u1ed9p ph\u00ed thi h\u00e0nh \u00e1n th\u00ec qu\u00e1 b\u1ea5t h\u1ee3p l\u00fd. Nh\u01b0 v\u1eady, l\u00e0 khuy\u1ebfn kh\u00edch b\u00ean ph\u1ea3i thi h\u00e0nh \u00e1n ch\u00e2y \u1ef3, k\u00e9o d\u00e0i, kh\u00f4ng t\u1ef1 nguy\u1ec7n thi h\u00e0nh \u00e1n. D\u00f9 con (kh\u00e1ch) n\u1ee3 c\u00f3 th\u1eeba kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u00f3 th\u1eeba gi\u00e1 tr\u1ecb, nh\u01b0ng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n c\u0169ng kh\u00f4ng bao gi\u1edd thu \u0111\u1ee7 s\u1ed1 ti\u1ec1n n\u1ee3 (lu\u00f4n b\u1ecb thi\u1ebfu t\u1eeb 1 \u2013 200 tri\u1ec7u \u0111\u1ed3ng ph\u1ea3i tr\u1ea3 ph\u00ed thi h\u00e0nh \u00e1n).<\/p>\n

                        27.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        \u0110i\u1ec1u 60 \u201cPh\u00ed thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1\u201d, Lu\u1eadt Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 n\u0103m 2008 quy \u0111\u1ecbnh \u201cNg\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n ph\u1ea3i n\u1ed9p ph\u00ed thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1<\/em>.\u201d Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3, kho\u1ea3n 1, \u0110i\u1ec1u 33 \u201cM\u1ee9c ph\u00ed, th\u1ee7 t\u1ee5c thu n\u1ed9p, qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng ph\u00ed thi h\u00e0nh \u00e1n\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 58\/2009\/N\u0110-CP ng\u00e0y 13-7-2009 c\u1ee7a Ch\u00ednh ph\u1ee7 Quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 v\u1ec1 th\u1ee7 t\u1ee5c thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 quy \u0111\u1ecbnh: \u201cM\u1ee9c ph\u00ed thi h\u00e0nh \u00e1n l\u00e0 3% (ba ph\u1ea7n tr\u0103m) tr\u00ean s\u1ed1 ti\u1ec1n ho\u1eb7c gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ef1c nh\u1eadn nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 200 tri\u1ec7u \u0111\u1ed3ng\/01 \u0111\u01a1n y\u00eau c\u1ea7u thi h\u00e0nh \u00e1n<\/em>.\u201d<\/p>\n

                        27.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        S\u1eeda \u0111\u1ed5i Lu\u1eadt Thi h\u00e1nh \u00e1n d\u00e2n s\u1ef1 theo h\u01b0\u1edbng, y\u00eau c\u1ea7u b\u00ean ph\u1ea3i thi h\u00e0nh \u00e1n ch\u1ecbu to\u00e0n b\u1ed9 ph\u00ed thi h\u00e0nh \u00e1n, \u0111\u1ed3ng th\u1eddi n\u00ean \u00e1p d\u1ee5ng th\u00eam nh\u1eefng ch\u1ebf t\u00e0i \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u1ed1 t\u00ecnh k\u00e9o d\u00e0i th\u1eddi gian thi h\u00e0nh \u00e1n nh\u01b0 bu\u1ed9c ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t tr\u1ea3 ch\u1eadm b\u1eb1ng 150% l\u00e3i su\u1ea5t vay v\u1ed1n, ph\u1ea1t th\u00eam m\u1ed9t kho\u1ea3n ti\u1ec1n,… ph\u00ed thi h\u00e0nh \u00e1n. Tr\u01b0\u1edbc m\u1eafc c\u1ea7n s\u1eeda Ngh\u1ecb \u0111\u1ecbnh 58\/2009\/N\u0110-CP theo h\u01b0\u1edbng, ch\u1ec9 t\u00ednh ph\u00ed thi h\u00e0nh \u00e1n kh\u00f4ng qu\u00e1 1% v\u00e0 m\u1ee9c t\u1ed1i \u0111a l\u00e0 20 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

                        <\/a>28.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n:<\/p>\n

                        28.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Trong qu\u00e1 tr\u00ecnh nh\u1eadn v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, xu\u1ea5t hi\u1ec7n m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m b\u1ecb ng\u01b0\u1eddi kh\u00e1c c\u1ea7m gi\u1eef. Do \u0111\u00f3 ph\u1ea3i \u0111\u1eb7t ra v\u1ea5n \u0111\u1ec1 thanh to\u00e1n v\u00e0 \u01b0u ti\u00ean thanh to\u00e1n nh\u01b0 th\u1ebf n\u00e0o cho ng\u01b0\u1eddi c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n, kh\u00f4ng ch\u1ec9 ti\u1ec1n b\u1ea3o qu\u1ea3n, gi\u1eef g\u00ecn t\u00e0i s\u1ea3n, m\u00e0 c\u00f2n bao g\u1ed3m c\u1ea3 c\u00e1c ngh\u0129a v\u1ee5 kh\u00e1c c\u1ee7a b\u00ean c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi b\u00ean \u0111ang c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n. Tuy nhi\u00ean quy\u1ec1n quy\u1ec1n \u01b0u ti\u00ean c\u1ee7a b\u00ean c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n nh\u01b0 th\u1ebf n\u00e0o, th\u00ec ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh r\u00f5.<\/p>\n

                        28.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        <\/a><\/a><\/a>\u0110i\u1ec1u 325 \u201cTh\u1ee9 t\u1ef1 \u01b0u ti\u00ean thanh to\u00e1n\u201d, \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 ch\u1ec9 quy \u0111\u1ecbnh: Ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n ngh\u0129a v\u1ee5 cho b\u00ean nh\u1eadn c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p 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 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, m\u00e0 kh\u00f4ng c\u00f3 m\u1ed1i li\u00ean h\u1ec7 v\u1edbi \u0110i\u1ec1u 416 \u201cC\u1ea7m gi\u1eef t\u00e0i s\u1ea3n trong h\u1ee3p \u0111\u1ed3ng song v\u1ee5\u201d.<\/p>\n

                        28.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        Chuy\u1ec3n <\/a><\/a><\/a>\u0110i\u1ec1u 416 \u201cC\u1ea7m gi\u1eef t\u00e0i s\u1ea3n trong h\u1ee3p \u0111\u1ed3ng song v\u1ee5\u201d n\u00f3i tr\u00ean ch\u01b0\u01a1ng m\u1ee5c \u201cH\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1\u201d sang ch\u01b0\u01a1ng m\u1ee5c \u201cGiao d\u1ecbch b\u1ea3o \u0111\u1ea3m\u201d, v\u00ec n\u00f3 t\u01b0\u01a1ng t\u1ef1 nh\u01b0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5. \u0110\u1ed3ng th\u1eddi c\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u1ec1 th\u1ee9 t\u1ef1 \u01b0u ti\u00ean thanh to\u00e1n li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n.<\/p>\n

                        <\/a>29.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 bi\u1ec7n ph\u00e1p t\u00edn ch\u1ea5p:<\/p>\n

                        29.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        B\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 b\u1eb1ng bi\u1ec7n ph\u00e1p t\u00edn ch\u1ea5p c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i ho\u00e0n to\u00e0n v\u00f4 ngh\u0129a v\u1ec1 t\u00e0i s\u1ea3n v\u00e0 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd.<\/p>\n

                        29.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        <\/a>\u0110i\u1ec1u 372 \u201cB\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p c\u1ee7a t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh: \u201cT\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i t\u1ea1i c\u01a1 s\u1edf c\u00f3 th\u1ec3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00edn ch\u1ea5p cho c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh ngh\u00e8o vay m\u1ed9t kho\u1ea3n ti\u1ec1n t\u1ea1i ng\u00e2n h\u00e0ng ho\u1eb7c TCTD kh\u00e1c \u0111\u1ec3 s\u1ea3n xu\u1ea5t, kinh doanh, l\u00e0m d\u1ecbch v\u1ee5 theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7.<\/em>\u201d<\/p>\n

                        29.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/p>\n

                        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) v\u00e0 kh\u00f4ng coi \u0111\u00e2y l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5. 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 nh\u01b0 tr\u01b0\u1edbc khi c\u00f3 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n

                        <\/a>30.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m:<\/p>\n

                        30.1.\u00a0 Kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        H\u1ec7 th\u1ed1ng c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m hi\u1ec7n nay c\u00f2n t\u1ea3n m\u1ea1n, ch\u1ed3ng ch\u00e9o, ph\u1ee9c t\u1ea1p, m\u00e2u thu\u1eabn, kh\u00f3 cho vi\u1ec7c theo d\u00f5i, th\u1ef1c hi\u1ec7n.<\/p>\n

                        30.2.\u00a0 Nguy\u00ean nh\u00e2n kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc:<\/p>\n

                        Quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i nhi\u1ec1u v\u0103n b\u1ea3n nh\u01b0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i, Lu\u1eadt H\u00e0ng kh\u00f4ng d\u00e2n d\u1ee5ng,…<\/p>\n

                        30.3.\u00a0 \u0110\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb gi\u1ea3i ph\u00e1p:<\/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 l\u1ea7n l\u01b0\u1ee3t nh\u01b0 sau:<\/p>\n

                        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 S\u1eeda \u0111\u1ed5i t\u1eadp trung c\u00e1c quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, \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;<\/p>\n

                        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ban h\u00e0nh m\u1ed9t \u0111\u1ea1o lu\u1eadt ri\u00eang v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m;<\/p>\n

                        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 S\u1eeda \u0111\u1ed5i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c s\u1eeda \u0111\u1ed5i c\u00e1c \u0111\u1ea1o lu\u1eadt li\u00ean quan (gi\u1eef nguy\u00ean nh\u01b0 hi\u1ec7n nay).<\/p>\n

                        —————–<\/strong><\/p>\n

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

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

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

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

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

                        \u00a0<\/em><\/p>\n

                        [1]<\/a> B\u00e0i vi\u1ebft th\u1ee9 17 \u0111\u0103ng tr\u00ean TBKTSG. \u0110\u01b0\u1ee3c gi\u1edbi thi\u1ec7u \u0111\u1ea7u ti\u00ean trong s\u1ed1 6 b\u00e0i tr\u00ean B\u00eca 1.<\/p>\n

                        [2]<\/a> \u0110o\u1ea1n n\u00e0y do T\u00f2a so\u1ea1n th\u00eam v\u00e0o v\u00e0 b\u1ecf b\u1edbt \u0111o\u1ea1n \u201c\u0110\u1ed1i v\u1edbi ng\u00e0nh Ng\u00e2n h\u00e0ng\u201d tr\u01b0\u1edbc \u201cl\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ch\u1ec9 l\u00e0 con s\u1ed1\u2026\u201d<\/p>\n

                        [3]<\/a> T\u00f2a so\u1ea1n thay th\u1ebf \u0111o\u1ea1n \u201cth\u1ee7 ph\u1ea1m ch\u00f4n v\u00f9i l\u1ebd ph\u1ea3i, \u0111\u00f9a c\u1ee3t c\u00f4ng l\u00fd v\u00e0 ph\u1ee7 nh\u1eadn \u0111\u1ea1o l\u00fd v\u1ec1 l\u00e3i su\u1ea5t\u201d b\u1eb1ng \u0111o\u1ea1n \u201cth\u1ee7 ph\u1ea1m c\u1ee7a nhi\u1ec1u v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t\u201d.<\/p>\n

                        [4]<\/a> T\u00f2a so\u1ea1n b\u1ecf \u0111o\u1ea1n \u201ct<\/em>h\u1ea5y qu\u00e1 phi th\u1ef1c t\u1ebf, kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. Do \u0111\u00f3, C\u01a1 quan n\u00e0y \u0111\u00e3<\/em>\u201d.<\/p>\n

                        [5]<\/a> T\u00f2a so\u1ea1n b\u1ecf c\u00e2u n\u00e0y.<\/p>\n

                        [6]<\/a> T\u00f2a so\u1ea1n b\u1ecf 2 c\u00e2u n\u00e0y.<\/p>\n

                        [7]<\/a> T\u00f2a so\u1ea1n b\u1ecf \u0111o\u1ea1n n\u00e0y.<\/p>\n

                        [8]<\/a> T\u00ean \u0111\u1eb7t: Theo To\u00e0 v\u00f4 gi\u00e1 tr\u1ecb, theo B\u1ed9 v\u00f4 hi\u1ec7u l\u1ef1c.<\/p>\n

                        [9]<\/a> B\u00e0i b\u00ecnh lu\u1eadn n\u00e0y (n\u1ed9p th\u00e1ng 4-2013 – b\u00e0i th\u1ee9 12 trong lo\u1ea1t b\u00e0i b\u00ecnh lu\u1eadn x\u00e2y d\u1ef1ng B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015) c\u00f3 s\u1eed d\u1ee5ng m\u1ed9t s\u1ed1 n\u1ed9i dung trong b\u00e0i \u201cB\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\u201d, 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.<\/p>\n

                        [10]<\/a> B\u00e0i Gi\u1ea3i th\u00edch v\u1ec1 vi\u1ec7c m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c c\u00f4ng ch\u1ee9ng v\u00e0 c\u01a1 quan \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m kh\u00f4ng ch\u1ea5p nh\u1eadn vi\u1ec7c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c phi TCTD ho\u1eb7c th\u1ebf ch\u1ea5p cho c\u00e1 nh\u00e2n, m\u1ed9t l\u00e3nh \u0111\u1ea1o V\u1ee5 Ph\u00e1p ch\u1ebf B\u1ed9 X\u00e2y d\u1ef1ng cho r\u1eb1ng: \u201cc\u1ea7n hi\u1ec3u l\u00e0 ch\u1ec9 c\u00f3 TCTD m\u1edbi \u0111\u01b0\u1ee3c nh\u1eadn th\u1ebf ch\u1ea5p nh\u00e0 \u1edf, ri\u00eang c\u00e1 nh\u00e2n th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn th\u1ebf ch\u1ea5p nh\u00e0 \u1edf. C\u00f2n vi\u1ec7c B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 kh\u00f4ng c\u1ea5m c\u00e1 nh\u00e2n nh\u1eadn th\u1ebf ch\u1ea5p nh\u00e0 \u1edf, Lu\u1eadt \u0110\u1ea5t \u0111ai kh\u00f4ng c\u1ea5m c\u00e1 nh\u00e2n nh\u1eadn th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t th\u00ec \u0111\u1ec3 c\u00e1c c\u01a1 quan gi\u1ea3i th\u00edch hai lu\u1eadt tr\u00ean l\u00fd gi\u1ea3i<\/em>\u201d (\u201cTh\u1ebf ch\u1ea5p nh\u00e0: N\u00ean hi\u1ec3u c\u00f3 l\u1ee3i cho d\u00e2n\u201d, B\u00e1o Ph\u00e1p lu\u1eadt TP HCM ng\u00e0y 03-4-2013). Ph\u00e1t ng\u00f4n n\u00e0y c\u0169ng na n\u00e1 c\u00e1ch l\u1eadp lu\u1eadn c\u1ee7a B\u1ed9 X\u00e2y d\u1ef1ng d\u1eabn \u0111\u1ebfn vi\u1ec7c c\u1ea5m c\u00e1 nh\u00e2n cho thu\u00ea nh\u00e0 \u1edf nh\u01b0 sau: Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2006 quy \u0111\u1ecbnh vi\u1ec7c cho thu\u00ea nh\u00e0 \u1edf l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n. M\u00e0 c\u00e1 nh\u00e2n th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, v\u00ec ph\u1ea3i th\u00e0nh l\u1eadp doanh nghi\u1ec7p ho\u1eb7c h\u1ee3p t\u00e1c x\u00e3, v\u1edbi m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh 6 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

                        [11]<\/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

                        [12]<\/a> Kho\u1ea3n 2, \u0110i\u1ec1u 320 \u201c<\/a>V\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

                        <\/a><\/a>\u00a0\u00a0\u00a0 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 TCTD \u0111\u1ec3 vay v\u1ed1n<\/em>.\u201d<\/p>\n

                        [13]<\/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

                        [14]<\/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

                        [15]<\/a> V\u1ee5 vi\u1ec7c v\u00e0 quan \u0111i\u1ec3m:<\/p>\n

                        \u0640\u00a0\u00a0\u00a0\u00a0 B\u1ea3n \u00e1n s\u01a1 th\u1ea9m s\u1ed1 26\/2011\/KT-ST ng\u00e0y 05-8-2011 c\u1ee7a TAND t\u1ec9nh Qu\u1ea3ng Ng\u00e3i;<\/p>\n

                        \u0640\u00a0\u00a0\u00a0\u00a0 B\u1ea3n \u00e1n s\u01a1 th\u1ea9m ng\u00e0y 22-9-2011 c\u1ee7a TAND t\u1ec9nh Qu\u1ea3ng Ng\u00e3i;<\/p>\n

                        \u0640\u00a0\u00a0\u00a0\u00a0 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

                        \u0640\u00a0\u00a0\u00a0\u00a0 B\u1ea3n \u00e1n ph\u00fac th\u1ea9m s\u1ed1 \/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

                        \u0640\u00a0\u00a0\u00a0\u00a0 \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

                        \u0640\u00a0\u00a0\u00a0\u00a0 Th\u1ea1c s\u0129 L\u00ea Th\u1ecb B\u00edch Lan, th\u1ea9m ph\u00e1n TAND th\u00e0nh ph\u1ed1 H\u00e0 N\u1ed9i t\u1ea1i 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

                        \u0640\u00a0\u00a0\u00a0\u00a0 Lu\u1eadt s\u01b0 L\u01b0 Quang Vinh – Trang Web Thongtinphapluatdansu ng\u00e0y 05-8-2011;…<\/p>\n

                        [16]<\/a> 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; \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 v\u00e0 nhi\u1ec1u \u00fd ki\u1ebfn kh\u00e1c.<\/p>\n

                        [17]<\/a> Kho\u1ea3n 2, C\u00f4ng v\u0103n s\u1ed1 2506\/BTP-\u0110KGDB\u0110 ng\u00e0y 31-7-2009 c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p v\/v tr\u1ea3 l\u1eddi v\u01b0\u1edbng m\u1eafc trong l\u0129nh v\u1ef1c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c v\u00e0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m.<\/p>\n

                        [18]<\/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.<\/p>\n

                        [19]<\/a> Xem M\u1ee5c 2 c\u1ee7a B\u00ecnh lu\u1eadn n\u00e0y.<\/p>\n

                        [20]<\/a> Ngh\u1ecb quy\u1ebft s\u1ed1 02\/2004\/NQ-H\u0110TP ng\u00e0y 10-8-2004 c\u1ee7a H\u1ed9i \u0111\u1ed3ng Th\u1ea9m ph\u1ea3n TAND TC H\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt trong vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ee5 \u00e1n d\u00e2n s\u1ef1, h\u00f4n nh\u00e2n v\u00e0 gia \u0111\u00ecnh ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p h\u00ecnh th\u1ee9c c\u1ee7a h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt t\u1ea1i th\u1eddi \u0111i\u1ec3m giao k\u1ebft h\u1ee3p \u0111\u1ed3ng.","protected":false},"excerpt":{"rendered":"

                        (ANVI) – H\u00e0 N\u1ed9i, 8 \u2013 12 gi\u1edd ng\u00e0y 04-7-2013 Th\u1eddi gian N\u1ed9i dung Ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n 08h00 \u2013 08h30 \u0640\u00a0\u00a0\u00a0 \u0110\u00f3n ti\u1ebfp \u0111\u1ea1i bi\u1ec3u. \u0640\u00a0\u00a0\u00a0 Tuy\u00ean b\u1ed1 l\u00fd do, gi\u1edbi thi\u1ec7u \u0111\u1ea1i bi\u1ec3u. \u0640\u00a0\u00a0\u00a0 Th\u01b0\u1eddng tr\u1ef1c CLB 08h30 \u2013 08h45 \u0640\u00a0\u00a0\u00a0 B\u00e1o c\u00e1o \u0111\u1ec1 d\u1eabn c\u00e1c n\u1ed9i dung c\u1ea7n t\u1eadp trung trao \u0111\u1ed5i, th\u1ea3o […]<\/p>\n","protected":false},"author":7,"featured_media":6075,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n185. 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