{"id":6168,"date":"2014-06-19T14:48:55","date_gmt":"2014-06-19T07:48:55","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6168"},"modified":"2022-02-11T14:35:40","modified_gmt":"2022-02-11T07:35:40","slug":"219-binh-luan-che-dinh-hop-dong-trong-bo-luat-dan-su-lien-quan-den-hoat-dong-ngan-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/219-binh-luan-che-dinh-hop-dong-trong-bo-luat-dan-su-lien-quan-den-hoat-dong-ngan-ngan-hang\/","title":{"rendered":"219. B\u00ecnh lu\u1eadn ch\u1ebf \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ng\u00e2n ng\u00e2n h\u00e0ng."},"content":{"rendered":"<strong><em>(ANVI) &#8211; VPCP &#8211; VIAC &#8211; H\u1ed9i th\u1ea3o Ch\u1ebf \u0111\u1ecbnh H\u1ee3p \u0111\u1ed3ng \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\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 19-6-2014 <\/em><\/strong><\/p>\n<p><strong>B\u00ccNH LU\u1eacN CH\u1ebe \u0110\u1ecaNH H\u1ee2P \u0110\u1ed2NG TRONG B\u1ed8 LU\u1eacT D\u00c2N S\u1ef0 <\/strong><strong>LI\u00caN QUAN \u0110\u1ebeN HO\u1ea0T \u0110\u1ed8NG NG\u00c2N H\u00c0NG<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><strong>M\u1ed8T S\u1ed0 V\u1ea4N \u0110\u1ec0 CHUNG V\u1ec0 H\u1ee2P \u0110\u1ed2NG:<\/strong><\/li>\n<li>C\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005:<\/li>\n<\/ol>\n<ul>\n<li>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 v\u00e0 D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng nh\u01b0 sau:<\/li>\n<\/ul>\n<table style=\"height: 1384px;\" width=\"889\">\n<thead>\n<tr>\n<td width=\"36\"><a name=\"_Toc184551505\"><\/a><a name=\"_Toc157034604\"><\/a><a name=\"_Toc105930256\"><\/a><a name=\"_Toc105302765\"><\/a><strong>TT<\/strong><\/td>\n<td width=\"227\"><strong>H\u1ee3p \u0111\u1ed3ng <\/strong><\/td>\n<td width=\"94\"><strong>BLDS<\/strong><\/td>\n<td width=\"217\"><strong>Ki\u1ebfn ngh\u1ecb<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"36\">1.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\"><\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0<\/td>\n<td width=\"94\">2005<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">2.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng trao \u0111\u1ed5i t\u00e0i s\u1ea3n<\/td>\n<td width=\"94\">2005<\/td>\n<td width=\"217\">C\u1ea7n ti\u1ebfp t\u1ee5c \u0111\u01b0a v\u00e0o BLDS, v\u00ec kh\u00e1c nhi\u1ec1u v\u1edbi h\u1ee3p \u0111\u1ed3ng mua bans<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">3.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng t\u1eb7ng cho t\u00e0i s\u1ea3n<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">4.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">5.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng thu\u00ea t\u00e0i s\u1ea3n<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\"><\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0<\/td>\n<td width=\"94\">2005<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">6.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng thu\u00ea kho\u00e1n t\u00e0i s\u1ea3n<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">7.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng m\u01b0\u1ee3n t\u00e0i s\u1ea3n<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">8.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">9.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng v\u1eadn chuy\u1ec3n<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">10.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng gia c\u00f4ng<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">11.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng g\u1eedi gi\u1eef t\u00e0i s\u1ea3n<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">12.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/td>\n<td width=\"94\">2005<\/td>\n<td width=\"217\"><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">13.<\/td>\n<td width=\"227\">H\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n<\/td>\n<td width=\"94\">2005<\/td>\n<td width=\"217\">C\u1ea7n ti\u1ebfp t\u1ee5c \u0111\u01b0a v\u00e0o BLDS, tuy nhi\u00ean, ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa u\u1ef7 quy\u1ec1n l\u00e0 h\u1ee3p \u0111\u1ed3ng v\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">14.<\/td>\n<td width=\"227\">H\u1ee9a th\u01b0\u1edfng<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\">V\u00ec kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng, n\u00ean \u0111\u1ec1 ngh\u1ecb t\u00e1ch th\u00e0nh m\u1ed9t ch\u01b0\u01a1ng ri\u00eang.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">15.<\/td>\n<td width=\"227\">Thi c\u00f3 gi\u1ea3i<\/td>\n<td width=\"94\">2005 &#8211; 2015<\/td>\n<td width=\"217\">Nh\u01b0 tr\u00ean<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>Qua b\u1ea3ng t\u1ed5ng h\u1ee3p n\u00f3i tr\u00ean, th\u1ea5y c\u00f3 m\u1ea5y v\u1ea5n \u0111\u1ec1 nh\u01b0 sau:<\/li>\n<li>D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 \u0111\u00e3 b\u1ecf H\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 \u1edf v\u00e0 H\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0 \u1edf, v\u00ec \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005. Tuy nhi\u00ean, b\u00ean c\u1ea1nh h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 \u1edf v\u00e0 h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0 \u1edf \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt nh\u00e0 \u1edf, th\u00ec c\u00f2n h\u1ee3p \u0111\u1ed3ng mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 70 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0, c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng\u201d v\u00e0 h\u1ee3p \u0111\u1ed3ng thu\u00ea b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 72 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng thu\u00ea b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u201d, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2006. Nh\u01b0ng D\u1ef1 th\u1ea3o Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014 tr\u00ecnh th\u00f4ng qua k\u1ef3 h\u1ecdp Qu\u1ed1c h\u1ed9i th\u00e1ng 5-2014 \u0111\u00e3 b\u1ecf quy \u0111\u1ecbnh v\u1ec1 H\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0, c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng v\u00e0 H\u1ee3p \u0111\u1ed3ng thu\u00ea b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Nh\u01b0 v\u1eady, n\u1ebfu hi\u1ec7n nay H\u1ee3p \u0111\u1ed3ng mua b\u00e1n ho\u1eb7c H\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 nh\u00e0 \u1edf \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh \u0111\u1ed3ng th\u1eddi trong c\u1ea3 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, th\u00ec s\u1eafp t\u1edbi s\u1ebd kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u1ea3 hai \u0111\u1ea1o lu\u1eadt n\u00e0y;<\/li>\n<li>C\u1ea7n xem x\u00e9t \u0111\u01b0a m\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 c\u00f3 trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 v\u00e0o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, nh\u01b0 H\u1ee3p \u0111\u1ed3ng trao \u0111\u1ed5i t\u00e0i s\u1ea3n, h\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n, v\u00ec ch\u00fang kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, d\u1ecbch v\u1ee5 kh\u00e1c.<\/li>\n<li>N\u1ebfu h\u1ee9a th\u01b0\u1edfng v\u00e0 thi c\u00f3 gi\u1ea3i kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng, th\u00ec c\u1ea7n t\u00e1ch th\u00e0nh m\u1ed9t ch\u01b0\u01a1ng, m\u1ee5c ri\u00eang \u0111\u1ec3 ph\u00e2n bi\u1ec7t r\u00f5 v\u1edbi h\u1ee3p \u0111\u1ed3ng.<\/li>\n<\/ul>\n<ol start=\"2\">\n<li>C\u00e1c h\u1ee3p \u0111\u1ed3ng ch\u01b0a c\u00f3 trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005:<\/li>\n<\/ol>\n<ul>\n<li>\u0110\u1ec1 ngh\u1ecb xem x\u00e9t m\u1ed9t s\u1ed1 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng d\u01b0\u1edbi \u0111\u00e2y, ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, \u0111 \u1ec3 b\u1ed5 sung v\u00e0o D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015:<\/li>\n<\/ul>\n<table style=\"height: 1515px;\" width=\"871\">\n<thead>\n<tr>\n<td width=\"36\"><strong>TT<\/strong><\/td>\n<td width=\"151\"><strong>H\u1ee3p \u0111\u1ed3ng <\/strong><\/td>\n<td width=\"189\"><strong>Lu\u1eadt \u0111\u1ec1 c\u1eadp \u0111\u1ebfn<\/strong><\/td>\n<td width=\"198\"><strong>L\u00fd gi\u1ea3i<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"36\">1.<\/td>\n<td width=\"151\">H\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng t\u00e0i s\u1ea3n<\/td>\n<td width=\"189\">Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i 2005,<\/p>\n<p>Doanh nghi\u1ec7p 2005,<\/p>\n<p>Lu\u1eadt S\u1edf h\u1eefu tr\u00ed tu\u1ec7 2006,<\/p>\n<p>Lu\u1eadt Ch\u1ee9ng kho\u00e1n 2006,<\/p>\n<p>Lu\u1eadt \u0110\u1ea5t \u0111ai 2013,&#8230;<\/td>\n<td width=\"198\">Ch\u01b0a c\u00f3 quy \u0111\u1ecbnh bao qu\u00e1t \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh chung c\u00e1c d\u1ea1ng h\u1ee3p \u0111\u1ed3ng nh\u01b0\u1ee3ng quy\u1ec1n th\u01b0\u01a1ng m\u1ea1i; chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, c\u1ed5 phi\u1ebfu, d\u1ef1 \u00e1n, quy\u1ec1n s\u1edf h\u1eefu c\u00f4ng nghi\u1ec7p,&#8230;<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">2.<\/td>\n<td width=\"151\">H\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd<\/td>\n<td width=\"189\">Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i 2005,<\/p>\n<p>Lu\u1eadt Du l\u1ecbch 2005,<\/p>\n<p>Lu\u1eadt Vi\u1ec5n th\u00f4ng 2009,&#8230;<\/td>\n<td width=\"198\">Kh\u00e1c nhi\u1ec1u v\u1edbi m\u1ecdi h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 v\u00e0 ch\u01b0a c\u00f3 quy \u0111\u1ecbnh bao qu\u00e1t (Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 \u0111i\u1ec1u ch\u1ec9nh c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i).<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">3.<\/td>\n<td width=\"151\">H\u1ee3p \u0111\u1ed3ng \u0111\u1ea5u gi\u00e1<\/td>\n<td width=\"189\">Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i 2005,<\/p>\n<p>N\u0110 17\/2010\/N\u0110-CP,&#8230;<\/td>\n<td width=\"198\">Kh\u00e1c nhi\u1ec1u v\u1edbi h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 v\u00e0 ch\u01b0a c\u00f3 quy \u0111\u1ecbnh bao qu\u00e1t (Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 \u0111i\u1ec1u ch\u1ec9nh c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i).<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">4.<\/td>\n<td width=\"151\">H\u1ee3p \u0111\u1ed3ng \u0111\u1ea5u th\u1ea7u<\/td>\n<td width=\"189\">Lu\u1eadt \u0110\u1ea5u th\u1ea7u 2005,&#8230;<\/td>\n<td width=\"198\">Kh\u00e1c nhi\u1ec1u v\u1edbi h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 v\u00e0 ch\u01b0a c\u00f3 quy \u0111\u1ecbnh bao qu\u00e1t (Lu\u1eadt \u0110\u1ea5u th\u1ea7u ch\u1ec9 \u0111i\u1ec1u ch\u1ec9nh m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p).<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">5.<\/td>\n<td width=\"151\">H\u1ee3p \u0111\u1ed3ng h\u1ee3p nh\u1ea5t<\/td>\n<td width=\"189\">Lu\u1eadt Doanh nghi\u1ec7p 2005,<\/p>\n<p>N\u0110 123\/2013\/N\u0110-CP.<\/td>\n<td width=\"198\">Kh\u00e1c v\u1edbi m\u1ecdi h\u1ee3p \u0111\u1ed3ng kh\u00e1c v\u00e0 m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt Doanh nghi\u1ec7p. C\u00e1c l\u0129nh v\u1ef1c kh\u00e1c ch\u01b0a c\u00f3 Lu\u1eadt quy \u0111\u1ecbnh.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">6.<\/td>\n<td width=\"151\">H\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c<\/p>\n<p>(trong \u0111\u00f3 h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh, h\u1ee3p \u0111\u1ed3ng li\u00ean doanh)<\/td>\n<td width=\"189\">B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005,<\/p>\n<p>Lu\u1eadt \u0110\u1ea7u t\u01b0 2005,<\/p>\n<p>Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i 2005,<\/p>\n<p>Lu\u1eadt Qu\u1ea3ng c\u00e1o 2012,<\/p>\n<p>Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i 2005,&#8230;<\/td>\n<td width=\"198\">Kh\u00e1c nhi\u1ec1u v\u1edbi h\u1ee3p \u0111\u1ed3ng kh\u00e1c v\u00e0 ch\u01b0a c\u00f3 quy \u0111\u1ecbnh bao qu\u00e1t (B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005 m\u1edbi ch\u1ec9 quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c c\u1ee7a T\u1ed5 h\u1ee3p t\u00e1c).<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">7.<\/td>\n<td width=\"151\">H\u1ee3p \u0111\u1ed3ng s\u00e1p nh\u1eadp<\/td>\n<td width=\"189\">Lu\u1eadt Doanh nghi\u1ec7p 2005,<\/p>\n<p>Lu\u1eadt Ch\u1ee9ng kho\u00e1n 2006,<\/p>\n<p>N\u0110 108\/2006\/N\u0110-CP,<\/p>\n<p>N\u0110 123\/2013\/N\u0110-CP.<\/td>\n<td width=\"198\">Kh\u00e1c v\u1edbi m\u1ecdi h\u1ee3p \u0111\u1ed3ng kh\u00e1c v\u00e0 m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt Doanh nghi\u1ec7p v\u00e0\u00a0 Lu\u1eadt Ch\u1ee9ng kho\u00e1n. C\u00e1c l\u0129nh v\u1ef1c kh\u00e1c ch\u01b0a c\u00f3 Lu\u1eadt quy \u0111\u1ecbnh.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">8.<\/td>\n<td width=\"151\">H\u1ee3p \u0111\u1ed3ng thu\u00ea mua<\/td>\n<td width=\"189\">B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i 2005,<\/p>\n<p>Lu\u1eadt Nh\u00e0 \u1edf 2005,<\/p>\n<p>Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n 2006.<\/td>\n<td width=\"198\">L\u00e0 m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng k\u1ebft h\u1ee3p gi\u1eefa thu\u00ea v\u00e0 mua.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>C\u00e1c h\u1ee3p \u0111\u1ed3ng tr\u00ean c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t kh\u00e1 nhi\u1ec1u so v\u1edbi c\u00e1c d\u1ea1ng h\u1ee3p \u0111\u1ed3ng \u0111ang c\u00f3 trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hi\u1ec7n h\u00e0nh c\u0169ng nh\u01b0 \u0111ang \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Ch\u1eb3ng h\u1ea1n, c\u1ea7n c\u00f3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp \u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf cho c\u00e1c lu\u1eadt chuy\u00ean ng\u00e0nh kh\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp doanh nghi\u1ec7p v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c. Hi\u1ec7n nay ch\u1ec9 c\u00f3 Lu\u1eadt Doanh nghi\u1ec7p quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng h\u1ee3p nh\u1ea5t v\u00e0 s\u00e1p nh\u1eadp doanh nghi\u1ec7p, Lu\u1eadt Ch\u1ee9ng kho\u00e1n quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng s\u00e1p nh\u1eadp (kh\u00f4ng quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p nh\u1ea5t). Trong khi Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2005 kh\u00f4ng quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c n\u00e0y, tuy nhi\u00ean Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 108\/2006\/N\u0110-CP ng\u00e0y 22-9-2006 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 \u0110\u1ea7u t\u01b0 th\u00ec l\u1ea1i quy \u0111\u1ecbnh v\u1ec1 H\u1ee3p \u0111\u1ed3ng s\u00e1p nh\u1eadp doanh nghi\u1ec7p. T\u01b0\u01a1ng t\u1ef1, trong Lu\u1eadt Lu\u1eadt s\u01b0 n\u0103m 2006 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2012), kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng h\u1ee3p nh\u1ea5t v\u00e0 h\u1ee3p \u0111\u1ed3ng s\u00e1p nh\u1eadp c\u00f4ng ty lu\u1eadt. Tuy nhi\u00ean Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 123\/2013\/N\u0110-CP ng\u00e0y 14-10-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 Quy \u0111\u1ecbnh chi ti\u1ebft m\u1ed9t s\u1ed1 \u0111i\u1ec1u v\u00e0 bi\u1ec7n ph\u00e1p thi h\u00e0nh Lu\u1eadt Lu\u1eadt s\u01b0 th\u00ec l\u1ea1i \u0111\u1ec1 c\u1eadp \u0111\u1ebfn 2 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng n\u00e0y.<\/li>\n<\/ul>\n<ol start=\"3\">\n<li>T\u00ean g\u1ecdi c\u00e1c h\u1ee3p \u0111\u1ed3ng:<\/li>\n<\/ol>\n<ul>\n<li>C\u00f3 s\u1ef1 kh\u00f4ng th\u1ed1ng nh\u1ea5t v\u1ec1 c\u00e1ch g\u1ecdi t\u00ean h\u1ee3p \u0111\u1ed3ng nh\u01b0 sau:<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<table style=\"height: 1799px;\" width=\"897\">\n<thead>\n<tr>\n<td width=\"36\"><strong>TT<\/strong><\/td>\n<td width=\"179\"><strong>T\u00ean g\u1ecdi h\u1ee3p \u0111\u1ed3ng <\/strong><\/td>\n<td width=\"161\"><strong>Hai b\u00ean h\u1ee3p \u0111\u1ed3ng<\/strong><\/td>\n<td width=\"198\"><strong>Ph\u00eda g\u1ecdi t\u00ean v\u00e0 \u0111\u1ec1 xu\u1ea5t<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"36\">1.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/td>\n<td width=\"161\">B\u00ean b\u1ea3o hi\u1ec3m \u2013 B\u00ean mua b\u1ea3o hi\u1ec3m<\/td>\n<td width=\"198\">T\u1eeb ph\u00eda B\u00ean cung c\u1ea5p d\u1ecbch v\u1ee5.<\/p>\n<p>V\u00ec v\u1eady c\u1ea7n s\u1eeda B\u00ean b\u1ea3o hi\u1ec3m th\u00e0nh B\u00ean b\u00e1n b\u1ea3o hi\u1ec3m<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">2.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng t\u00e0i s\u1ea3n<\/td>\n<td width=\"161\">B\u00ean chuy\u1ec3n nh\u01b0\u1ee3ng \u2013 B\u00ean nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng t\u00e0i s\u1ea3n<\/td>\n<td width=\"198\">T\u1eeb ph\u00eda B\u00ean chuy\u1ec3n nh\u01b0\u1ee3ng.<\/p>\n<p>V\u00ec v\u1eady c\u1ea7n xem l\u1ea1i t\u00ean h\u1ee3p \u0111\u1ed3ng ho\u1eb7c t\u00ean g\u1ecdi hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">3.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5<\/td>\n<td width=\"161\">B\u00ean cung \u1ee9ng \u2013 B\u00ean thu\u00ea d\u1ecbch v\u1ee5<\/td>\n<td width=\"198\">T\u1eeb hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">4.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd<\/td>\n<td width=\"161\">B\u00ean giao \u2013 B\u00ean nh\u1eadn \u0111\u1ea1i l\u00fd<\/td>\n<td width=\"198\">T\u1eeb hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">5.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng gia c\u00f4ng<\/td>\n<td width=\"161\">B\u00ean \u0111\u1eb7t \u2013 B\u00ean nh\u1eadn gia c\u00f4ng<\/td>\n<td width=\"198\">T\u1eeb hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">6.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng g\u1eedi gi\u1eef t\u00e0i s\u1ea3n<\/td>\n<td width=\"161\">B\u00ean g\u1eedi \u2013 B\u00ean gi\u1eef t\u00e0i s\u1ea3n<\/td>\n<td width=\"198\">T\u1eeb hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">7.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh<\/td>\n<td width=\"161\">B\u00ean h\u1ee3p t\u00e1c \u2013 B\u00ean h\u1ee3p t\u00e1c kinh doanh<\/td>\n<td width=\"198\">T\u1eeb hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">8.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n<\/td>\n<td width=\"161\">B\u00ean mua \u2013 B\u00ean b\u00e1n t\u00e0i s\u1ea3n<\/td>\n<td width=\"198\">T\u1eeb hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">9.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng m\u01b0\u1ee3n t\u00e0i s\u1ea3n<\/td>\n<td width=\"161\">B\u00ean m\u01b0\u1ee3n\u00a0 \u2013 B\u00ean cho m\u01b0\u1ee3n t\u00e0i s\u1ea3n<\/td>\n<td width=\"198\">T\u1eeb ph\u00eda B\u00ean m\u01b0\u1ee3n.<\/p>\n<p>V\u00ec v\u1eady c\u1ea7n s\u1eeda B\u00ean m\u01b0\u1ee3n th\u00e0nh B\u00ean \u0111i m\u01b0\u1ee3n<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">10.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng t\u1eb7ng cho t\u00e0i s\u1ea3n<\/td>\n<td width=\"161\">B\u00ean t\u1eb7ng, cho \u2013 B\u00ean nh\u1eadn t\u1eb7ng, cho t\u00e0i s\u1ea3n<\/td>\n<td width=\"198\">T\u1eeb B\u00ean t\u1eb7ng, cho.<\/p>\n<p>V\u00ec v\u1eady c\u1ea7n xem l\u1ea1i t\u00ean h\u1ee3p \u0111\u1ed3ng ho\u1eb7c t\u00ean g\u1ecdi hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">11.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng trao \u0111\u1ed5i t\u00e0i s\u1ea3n<\/td>\n<td width=\"161\">B\u00ean mua \u2013 B\u00ean b\u00e1n mua t\u00e0i s\u1ea3n v\u00e0<\/p>\n<p>B\u00ean b\u00e1n \u2013 B\u00ean mua t\u00e0i s\u1ea3n<\/td>\n<td width=\"198\">T\u1eeb hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">12.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng thu\u00ea t\u00e0i s\u1ea3n<\/td>\n<td width=\"161\">B\u00ean thu\u00ea \u2013 B\u00ean cho thu\u00ea t\u00e0i s\u1ea3n<\/td>\n<td width=\"198\">T\u1eeb B\u00ean thu\u00ea.<\/p>\n<p>V\u00ec v\u1eady c\u1ea7n s\u1eeda B\u00ean thu\u00ea th\u00e0nh B\u00ean \u0111i thu\u00ea<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">13.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/td>\n<td width=\"161\">B\u00ean c\u1ea5p t\u00edn d\u1ee5ng \u2013 B\u00ean nh\u1eadn t\u00edn d\u1ee5ng<\/td>\n<td width=\"198\">T\u1eeb hai b\u00ean<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">14.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"161\">B\u00ean vay \u2013 B\u00ean cho vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"198\">T\u1eeb ph\u00eda B\u00ean vay.<\/p>\n<p>V\u00ec v\u1eady c\u1ea7n s\u1eeda B\u00ean vay th\u00e0nh B\u00ean \u0111i vay.<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">15.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng v\u1eadn chuy\u1ec3n<\/td>\n<td width=\"161\">B\u00ean v\u1eadn chuy\u1ec3n \u2013 B\u00ean thu\u00ea v\u1eadn chuy\u1ec3n<\/td>\n<td width=\"198\">T\u1eeb ph\u00eda B\u00ean v\u1eadn chuy\u1ec3n.<\/p>\n<p>V\u00ec v\u1eady c\u1ea7n s\u1eeda B\u00ean v\u1eadn chuy\u1ec3n th\u00e0nh B\u00ean nh\u1eadn v\u1eadn chuy\u1ec3n.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>Nh\u01b0 v\u1eady, c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p th\u00ec g\u1ecdi t\u00ean chung cho c\u1ea3 hai b\u00ean (nh\u01b0 h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, h\u1ee3p \u0111\u1ed3ng gia c\u00f4ng,&#8230;), c\u00f3 tr\u01b0\u1eddng h\u1ee3p th\u00ec g\u1ecdi t\u00ean ch\u1ec9 \u0111\u1ee9ng v\u1ec1 m\u1ed9t ph\u00eda c\u1ee7a h\u1ee3p \u0111\u1ed3ng (nh\u01b0 h\u1ee3p \u0111\u1ed3ng m\u01b0\u1ee3n t\u00e0i s\u1ea3n, h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n,&#8230;). V\u00ec v\u1eady \u0111\u1ec1 ngh\u1ecb x\u1eed l\u00fd th\u1ed1ng nh\u1ea5t c\u00e1ch \u0111\u1eb7t t\u00ean g\u1ecdi v\u00e0 2 b\u00ean ch\u1ee7 th\u1ec3 giao k\u1ebft h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ch\u00ednh x\u00e1c, c\u00f4ng b\u1eb1ng v\u00e0 kh\u00e1ch quan h\u01a1n. V\u00ed d\u1ee5 trong H\u1ee3p \u0111\u1ed3ng m\u01b0\u1ee3n t\u00e0i s\u1ea3n th\u00ec c\u00f3 th\u1ec3 thay B\u00ean m\u01b0\u1ee3n v\u00e0 B\u00ean cho m\u01b0\u1ee3n, b\u1eb1ng B\u00ean <em>\u0111i<\/em> m\u01b0\u1ee3n v\u00e0 B\u00ean cho m\u01b0\u1ee3n; trong H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n th\u00ec c\u00f3 th\u1ec3 thay B\u00ean vay v\u00e0 B\u00ean cho vay th\u00e0nh B\u00ean <em>\u0111i<\/em> vay v\u00e0 B\u00ean cho vay. Th\u1ef1c t\u1ebf c\u0169ng \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt s\u1eed d\u1ee5ng theo h\u01b0\u1edbng n\u00e0y. V\u00ed d\u1ee5, Th\u00f4ng t\u01b0 s\u1ed1 21\/2012\/TT-NHNN ng\u00e0y 18-6-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay,<em> \u0111i <\/em>vay; mua, b\u00e1n c\u00f3 k\u1ef3 h\u1ea1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 gi\u1eefa c\u00e1c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/li>\n<\/ul>\n<ol start=\"4\">\n<li>T\u00ean g\u1ecdi c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m:<\/li>\n<\/ol>\n<ul>\n<li>C\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m (giao d\u1ecbch b\u1ea3o \u0111\u1ea3m) hi\u1ec7n nay \u0111\u01b0\u1ee3c g\u1ecdi t\u00ean nh\u01b0 sau:<\/li>\n<\/ul>\n<table style=\"height: 967px;\" width=\"876\">\n<thead>\n<tr>\n<td width=\"36\"><strong>TT<\/strong><\/td>\n<td width=\"160\"><strong>H\u00e0nh vi ph\u00e1p l\u00fd<\/strong><\/td>\n<td width=\"170\"><strong>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005<\/strong><\/td>\n<td width=\"208\"><strong>D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt <\/strong><\/p>\n<p><strong>D\u00e2n s\u1ef1 2015 <\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"36\">1.<\/td>\n<td width=\"160\">C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n<\/td>\n<td width=\"170\">Ph\u1ea7n ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng<a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a><\/td>\n<td width=\"208\">Ph\u1ea7n v\u1eadt quy\u1ec1n (t\u00e0i s\u1ea3n v\u00e0 quy\u1ec1n s\u1edf h\u1eefu)<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">2.<\/td>\n<td width=\"160\">Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n<\/td>\n<td width=\"170\">Ph\u1ea7n ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng<a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a><\/td>\n<td width=\"208\">Ph\u1ea7n v\u1eadt quy\u1ec1n (t\u00e0i s\u1ea3n v\u00e0 quy\u1ec1n s\u1edf h\u1eefu)<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">3.<\/td>\n<td width=\"160\">B\u1ea3o l\u00e3nh<\/td>\n<td width=\"170\">Ph\u1ea7n ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a><\/td>\n<td width=\"208\">Ph\u1ea7n tr\u00e1i quy\u1ec1n (ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng)<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">4.<\/td>\n<td width=\"160\">\u0110\u1eb7t c\u1ecdc<\/td>\n<td width=\"170\">Ph\u1ea7n ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a><\/td>\n<td width=\"208\">Ph\u1ea7n tr\u00e1i quy\u1ec1n (ngh\u0129a v\u1ee5 h\u1ee3p \u0111\u1ed3ng)<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">5.<\/td>\n<td width=\"160\">K\u00fd c\u01b0\u1ee3c<\/td>\n<td width=\"170\">Ph\u1ea7n ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a><\/td>\n<td width=\"208\">Ph\u1ea7n tr\u00e1i quy\u1ec1n (ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng)<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">6.<\/td>\n<td width=\"160\">K\u00fd qu\u1ef9<\/td>\n<td width=\"170\">Ph\u1ea7n ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a><\/td>\n<td width=\"208\">Ph\u1ea7n tr\u00e1i quy\u1ec1n (ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng)<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">7.<\/td>\n<td width=\"160\">Bi\u1ec7n ph\u00e1p t\u00edn ch\u1ea5p<\/td>\n<td width=\"170\">Ph\u1ea7n ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng<\/td>\n<td width=\"208\">Kh\u00f4ng quy \u0111\u1ecbnh<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">8.<\/td>\n<td width=\"160\">Quy\u1ec1n c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n<\/td>\n<td width=\"170\">Ph\u1ea7n ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng<\/td>\n<td width=\"208\">Ph\u1ea7n v\u1eadt quy\u1ec1n (t\u00e0i s\u1ea3n v\u00e0 quy\u1ec1n s\u1edf h\u1eefu)<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">9.<\/td>\n<td width=\"160\">B\u1ea3o l\u01b0u quy\u1ec1n s\u1edf h\u1eefu<\/td>\n<td width=\"170\">Ph\u1ea7n ngh\u0129a v\u1ee5 v\u00e0 h\u1ee3p \u0111\u1ed3ng<\/td>\n<td width=\"208\">Ph\u1ea7n v\u1eadt quy\u1ec1n (t\u00e0i s\u1ea3n v\u00e0 quy\u1ec1n s\u1edf h\u1eefu)<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">10.<\/td>\n<td width=\"160\">Quy\u1ec1n \u01b0u ti\u00ean<\/td>\n<td width=\"170\">Kh\u00f4ng quy \u0111\u1ecbnh<\/td>\n<td width=\"208\">Ph\u1ea7n v\u1eadt quy\u1ec1n (t\u00e0i s\u1ea3n v\u00e0 quy\u1ec1n s\u1edf h\u1eefu)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>Nh\u01b0 v\u1eady, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 ch\u1ec9 g\u1ecdi 2 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m l\u00e0 h\u1ee3p \u0111\u1ed3ng, \u0111\u00f3 l\u00e0 H\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n v\u00e0 H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n. Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i c\u0169ng g\u1ecdi c\u1ea7m c\u1ed1 l\u00e0 h\u1ee3p \u0111\u1ed3ng. Tuy nhi\u00ean <a href=\"http:\/\/thuvienphapluat.vn\/van-ban\/Lao-dong-Tien-luong\/Luat-nguoi-lao-dong-Viet-Nam-di-lam-viec-o-nuoc-ngoai-theo-hop-dong-2006-72-2006-QH11-15865.aspx\">Lu\u1eadt Ng\u01b0\u1eddi lao \u0111\u1ed9ng Vi\u1ec7t Nam \u0111i l\u00e0m vi\u1ec7c \u1edf n\u01b0\u1edbc ngo\u00e0i theo h\u1ee3p \u0111\u1ed3ng n\u0103m 2006<\/a> g\u1ecdi c\u1ea3 b\u1ea3o l\u00e3nh l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh. V\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 11\/2012\/N\u0110-CP ng\u00e0y 22-02-2012, th\u00ec \u0111\u00e3 g\u1ecdi c\u00e1c bi\u1ec7n ph\u00e1p c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh, \u0111\u1eb7t c\u1ecdc, k\u00fd c\u01b0\u1ee3c v\u00e0 k\u00fd qu\u1ef9 \u0111\u1ec1u l\u00e0 h\u1ee3p \u0111\u1ed3ng. V\u1eady m\u1ed9t s\u1ed1 hay to\u00e0n b\u1ed9 c\u00e1c giao d\u1ecbch n\u00e0y l\u00e0 h\u1ee3p \u0111\u1ed3ng hay kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng v\u00e0 th\u1ed1ng nh\u1ea5t trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt.<\/li>\n<\/ul>\n<ol start=\"5\">\n<li>Ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng:<\/li>\n<\/ol>\n<ul>\n<li><a name=\"_Toc326319857\"><\/a><a name=\"_Toc103888285\"><\/a><a name=\"_Toc102331444\"><\/a> \u0110i\u1ec1u 408 v\u1ec1 \u201cPh\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh \u201c<em> K\u00e8m theo h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 c\u00f3 ph\u1ee5 l\u1ee5c \u0111\u1ec3 quy \u0111\u1ecbnh chi ti\u1ebft m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c nh\u01b0 h\u1ee3p \u0111\u1ed3ng. N\u1ed9i dung c\u1ee7a ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng kh\u00f4ng \u0111\u01b0\u1ee3c tr\u00e1i v\u1edbi n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/em>\u201d Quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 theo h\u01b0\u1edbng, ph\u1ee5 l\u1ee5c \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh c\u00f9ng v\u1edbi th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng, v\u00ec v\u1eady \u201c<em>N\u1ed9i dung c\u1ee7a ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng kh\u00f4ng \u0111\u01b0\u1ee3c tr\u00e1i v\u1edbi n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/em>\u201d. Tuy nhi\u00ean \u0111\u00f3 l\u00e0 \u0111i\u1ec1u ho\u00e0n to\u00e0n kh\u00e1c v\u1edbi th\u1ef1c t\u1ebf l\u00e0, b\u00ean c\u1ea1nh vi\u1ec7c k\u00e8m theo ngay t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng, ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung h\u1ee3p \u0111\u1ed3ng.<\/li>\n<li>V\u00ec v\u1eady kh\u00f4ng ch\u1ec9 s\u1eeda \u0111\u1ed5i b\u1ea5t c\u1eadp tr\u00ean b\u1eb1ng vi\u1ec7c b\u1ecf \u0111o\u1ea1n \u201c<em>N\u1ed9i dung c\u1ee7a ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng kh\u00f4ng \u0111\u01b0\u1ee3c tr\u00e1i v\u1edbi n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/em>\u201d, m\u00e0 c\u1ea7n vi\u1ebft r\u00f5 t\u01b0\u01a1ng t\u1ef1 nh\u01b0 kho\u1ea3n 2, \u0110i\u1ec1u 24 v\u1ec1 \u201cPh\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng\u201d B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng n\u0103m 2012:<\/li>\n<\/ul>\n<p>\u201c<em>2. Ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng quy \u0111\u1ecbnh chi ti\u1ebft m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n ho\u1eb7c \u0111\u1ec3 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng.<\/em><\/p>\n<p><em>Tr\u01b0\u1eddng h\u1ee3p ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng quy \u0111\u1ecbnh chi ti\u1ebft m\u1ed9t s\u1ed1 \u0111i\u1ec1u, kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng m\u00e0 d\u1eabn \u0111\u1ebfn c\u00e1ch hi\u1ec3u kh\u00e1c v\u1edbi h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng th\u00ec th\u1ef1c hi\u1ec7n theo n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng.<\/em><\/p>\n<p><em>Tr\u01b0\u1eddng h\u1ee3p ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng d\u00f9ng \u0111\u1ec3 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng th\u00ec ph\u1ea3i ghi r\u00f5 n\u1ed9i dung nh\u1eefng \u0111i\u1ec1u kho\u1ea3n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung v\u00e0 th\u1eddi \u0111i\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c<\/em>.\u201d<\/p>\n<ol>\n<li><strong>H\u1ee2P \u0110\u1ed2NG TRONG L\u0128NH V\u1ef0C NG\u00c2N H\u00c0NG:<\/strong><\/li>\n<li>C\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng:<\/li>\n<\/ol>\n<ul>\n<li>Ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang v\u00e0 c\u00e1c TCTD n\u00f3i chung (sau \u0111\u00e2y g\u1ecdi l\u00e0 ng\u00e2n h\u00e0ng) c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c. Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 4 v\u1ec1 \u201cGi\u1ea3i th\u00edch kh\u00e1i ni\u1ec7m\u201d, Lu\u1eadt C\u00e1c TCTD n\u0103m 2010 l\u00e0 vi\u1ec7c kinh doanh, cung \u1ee9ng th\u01b0\u1eddng xuy\u00ean 3 nghi\u1ec7p v\u1ee5 sau \u0111\u00e2y: Nh\u1eadn ti\u1ec1n g\u1eedi, c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n, c\u1ee5 th\u1ec3:<\/li>\n<li>Nh\u1eadn ti\u1ec1n g\u1eedi l\u00e0 ho\u1ea1t \u0111\u1ed9ng nh\u1eadn ti\u1ec1n c\u1ee7a t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n d\u01b0\u1edbi h\u00ecnh th\u1ee9c ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n, ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, k\u1ef3 phi\u1ebfu, t\u00edn phi\u1ebfu v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c nh\u1eadn ti\u1ec1n g\u1eedi kh\u00e1c theo nguy\u00ean t\u1eafc c\u00f3 ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 ti\u1ec1n g\u1ed1c, l\u00e3i cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n theo th\u1ecfa thu\u1eadn;<\/li>\n<li>C\u1ea5p t\u00edn d\u1ee5ng l\u00e0 vi\u1ec7c th\u1ecfa thu\u1eadn \u0111\u1ec3 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng m\u1ed9t kho\u1ea3n ti\u1ec1n ho\u1eb7c cam k\u1ebft cho ph\u00e9p s\u1eed d\u1ee5ng m\u1ed9t kho\u1ea3n ti\u1ec1n theo nguy\u00ean t\u1eafc c\u00f3 ho\u00e0n tr\u1ea3 b\u1eb1ng nghi\u1ec7p v\u1ee5 cho vay, chi\u1ebft kh\u1ea5u, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n, b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c;<\/li>\n<li>Cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n l\u00e0 vi\u1ec7c cung \u1ee9ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n; th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n s\u00e9c, l\u1ec7nh chi, u\u1ef7 nhi\u1ec7m chi, nh\u1edd thu, u\u1ef7 nhi\u1ec7m thu, th\u1ebb ng\u00e2n h\u00e0ng, th\u01b0 t\u00edn d\u1ee5ng v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00e1c cho kh\u00e1ch h\u00e0ng th\u00f4ng qua t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/li>\n<li>Ngo\u00e0i ra, ng\u00e2n h\u00e0ng c\u00f2n th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c nh\u01b0 d\u1ecbch v\u1ee5 ki\u1ec1u h\u1ed1i, kinh doanh ngo\u1ea1i h\u1ed1i, ph\u00e1i sinh v\u1ec1 t\u1ef7 gi\u00e1, l\u00e3i su\u1ea5t, ngo\u1ea1i h\u1ed1i, ti\u1ec1n t\u1ec7 v\u00e0 t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh kh\u00e1c (\u0110i\u1ec1u 105, Lu\u1eadt C\u00e1c TCTD); d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd ti\u1ec1n m\u1eb7t, t\u01b0 v\u1ea5n ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh; c\u00e1c 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; t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh doanh nghi\u1ec7p, t\u01b0 v\u1ea5n mua, b\u00e1n, h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp doanh nghi\u1ec7p v\u00e0 t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0; d\u1ecbch v\u1ee5 m\u00f4i gi\u1edbi ti\u1ec1n t\u1ec7; l\u01b0u k\u00fd ch\u1ee9ng kho\u00e1n, kinh doanh v\u00e0ng v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c (\u0110i\u1ec1u 107, Lu\u1eadt C\u00e1c TCTD).<\/li>\n<li>V\u1ec1 nguy\u00ean t\u1eafc, m\u1ed7i ho\u1ea1t \u0111\u1ed9ng n\u00f3i tr\u00ean s\u1ebd \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n b\u1eb1ng m\u1ed9t h\u1ee3p \u0111\u1ed3ng gi\u1eefa ng\u00e2n h\u00e0ng v\u1edbi kh\u00e1ch h\u00e0ng ho\u1eb7c \u0111\u1ed1i t\u00e1c kh\u00e1c. Tuy nhi\u00ean, Lu\u1eadt C\u00e1c TCTD ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn 2 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng l\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng cho thu\u00ea t\u00e0i ch\u00ednh. C\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c \u0111i\u1ec1u ch\u1ec9nh l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u0169ng ch\u1ec9 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng, c\u00f2n l\u1ea1i kh\u00f4ng s\u1eed d\u1ee5ng t\u1eeb h\u1ee3p \u0111\u1ed3ng trong to\u00e0n b\u1ed9 v\u0103n b\u1ea3n.<\/li>\n<\/ul>\n<ol start=\"2\">\n<li>Nh\u00f3m h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/li>\n<\/ol>\n<ul>\n<li>M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng thu\u1ed9c nh\u00f3m h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/li>\n<\/ul>\n<table style=\"height: 1263px;\" width=\"869\">\n<thead>\n<tr>\n<td width=\"36\"><strong>TT<\/strong><\/td>\n<td width=\"179\"><strong>H\u1ee3p \u0111\u1ed3ng<\/strong><\/td>\n<td width=\"170\"><strong>Lo\u1ea1i h\u1ee3p \u0111\u1ed3ng trong BLDS<\/strong><\/td>\n<td width=\"189\"><strong>V\u0103n b\u1ea3n<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"36\">1.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng bao thanh to\u00e1n<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"189\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1096\/2004\/Q\u0110-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">2.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 &#8211; H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n (tu\u1ef3 giai \u0111o\u1ea1n)<\/td>\n<td width=\"189\">Th\u00f4ng t\u01b0 s\u1ed1 28\/2012\/TT-NHNN.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">3.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng c\u1ea5p b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 &#8211; H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n (tu\u1ef3 giai \u0111o\u1ea1n)<\/td>\n<td width=\"189\">Th\u00f4ng t\u01b0 s\u1ed1 28\/2012\/TT-NHNN.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">4.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng h\u1ee3p v\u1ed1n (H\u1ee3p \u0111\u1ed3ng h\u1ee3p v\u1ed1n)<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"189\">Th\u00f4ng t\u01b0 s\u1ed1 42\/2011\/TT-NHNN.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">5.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng chi\u1ebft kh\u1ea5u c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n<\/td>\n<td width=\"189\">Th\u00f4ng t\u01b0 s\u1ed1 04\/2013\/TT-NHNN.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">6.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng cho thu\u00ea t\u00e0i ch\u00ednh<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng thu\u00ea t\u00e0i s\u1ea3n<\/td>\n<td width=\"189\">Lu\u1eadt C\u00e1c TCTD 2010<\/p>\n<p>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 39\/2014\/N\u0110-CP<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">7.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng cho vay<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"189\">Th\u00f4ng t\u01b0 s\u1ed1 21\/2012\/TT-NHNN.<\/p>\n<p>Th\u00f4ng t\u01b0 s\u1ed1 06\/2012\/TT-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">8.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"189\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN<\/p>\n<p>Th\u00f4ng t\u01b0 s\u1ed1 20\/2013\/TT-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">9.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng t\u00e1i c\u1ea5p v\u1ed1n (H\u1ee3p \u0111\u1ed3ng t\u00e1i c\u1ea5p v\u1ed1n)<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"189\">Th\u00f4ng t\u01b0 s\u1ed1 15\/2012\/TT-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">10.<\/td>\n<td width=\"179\">H\u1ee3p \u0111\u1ed3ng vay v\u1ed1n n\u01b0\u1edbc ngo\u00e0i<\/td>\n<td width=\"170\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"189\">Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 219\/2013\/N\u0110-CP<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>Nh\u01b0 v\u1eady, h\u1ea7u nh\u01b0 ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt thu\u1ed9c l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ghi nh\u1eadn l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng, c\u1ee5 th\u1ec3 nh\u01b0 sau:<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng bao thanh to\u00e1n:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1096\/2004\/Q\u0110-NHNN ng\u00e0y 06-9-2004 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ban h\u00e0nh Quy ch\u1ebf Ho\u1ea1t \u0111\u1ed9ng bao thanh to\u00e1n c\u1ee7a c\u00e1c TCTD, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 30\/2008\/Q\u0110-NHNN ng\u00e0y 16-10-2008.<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng, H\u1ee3p \u0111\u1ed3ng c\u1ea5p b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng<\/em>: \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Th\u00f4ng t\u01b0 s\u1ed1 28\/2012\/TT-NHNN ng\u00e0y 03-10-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng h\u1ee3p v\u1ed1n (h\u1ee3p \u0111\u1ed3ng h\u1ee3p v\u1ed1n):<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Th\u00f4ng t\u01b0 s\u1ed1 42\/2011\/TT-NHNN ng\u00e0y 15-12-2011 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng h\u1ee3p v\u1ed1n c\u1ee7a c\u00e1c TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng chi\u1ebft kh\u1ea5u c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Th\u00f4ng t\u01b0 s\u1ed1 04\/2013\/TT-NHNN ng\u00e0y 01-3-2013 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 Ho\u1ea1t \u0111\u1ed9ng chi\u1ebft kh\u1ea5u c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c c\u1ee7a TCTD. Chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng cho thu\u00ea t\u00e0i ch\u00ednh:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 39\/2014\/N\u0110-CP ng\u00e0y 07-5-2014 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 C\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng cho vay:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt sau:<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 06\/2012\/TT-NHNN ng\u00e0y 16-3-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 Cho vay \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi TCTD;<\/li>\n<li>Th\u00f4ng t\u01b0 21\/2012\/TT-NHNN ng\u00e0y 18-6-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay, \u0111i vay; mua, b\u00e1n c\u00f3 k\u1ef3 h\u1ea1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 gi\u1eefa c\u00e1c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt sau:<\/li>\n<li>Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31-12-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ban h\u00e0nh Quy ch\u1ebf Cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 127\/2005\/Q\u0110-NHNN ng\u00e0y 03-2-2005 v\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 783\/2005\/Q\u0110-NHNN ng\u00e0y 31-5-2005 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam;<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 20\/2013\/TT-NHNN ng\u00e0y 09-9-2013 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 Cho vay t\u00e1i c\u1ea5p v\u1ed1n tr\u00ean c\u01a1 s\u1edf tr\u00e1i phi\u1ebfu \u0111\u1eb7c bi\u1ec7t c\u1ee7a C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD Vi\u1ec7t Nam (g\u1ed3m c\u1ea3 H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng t\u00e1i c\u1ea5p v\u1ed1n).<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng h\u1ee3p v\u1ed1n:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Th\u00f4ng t\u01b0 s\u1ed1 42\/2011\/TT-NHNN ng\u00e0y 15-12-2011 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN H\u01b0\u1edbng d\u1eabn v\/v c\u1ea5p t\u00edn d\u1ee5ng h\u1ee3p v\u1ed1n c\u1ee7a c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng t\u00e1i c\u1ea5p v\u1ed1n (H\u1ee3p \u0111\u1ed3ng t\u00e1i c\u1ea5p v\u1ed1n): <\/em>\u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Th\u00f4ng t\u01b0 s\u1ed1 15\/2012\/TT-NHNN ng\u00e0y 04-5-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c NHNN Vi\u1ec7t Nam t\u00e1i c\u1ea5p v\u1ed1n d\u01b0\u1edbi h\u00ecnh th\u1ee9c cho vay l\u1ea1i theo h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c TCTD;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng vay v\u1ed1n n\u01b0\u1edbc ngo\u00e0i:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 219\/2013\/N\u0110-CP ng\u00e0y 26-12-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Qu\u1ea3n l\u00fd vay, tr\u1ea3 n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a doanh nghi\u1ec7p kh\u00f4ng \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh.<\/li>\n<li>H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng:<\/li>\n<\/ul>\n<p>Lu\u1eadt C\u00e1c TCTD n\u0103m 1997 c\u0169ng nh\u01b0 c\u00e1c gi\u00e1o tr\u00ecnh, t\u00e0i li\u1ec7u trong su\u1ed1t nhi\u1ec1u n\u0103m tr\u01b0\u1edbc \u0111\u00e2y \u0111\u1ec1u g\u1ecdi c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i tr\u1ee3 v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. Nh\u01b0ng c\u00f3 l\u1ebd v\u00ec ho\u1ea1t \u0111\u1ed9ng t\u00e0i tr\u1ee3 v\u1ed1n ch\u1ee7 y\u1ebfu l\u00e0 cho vay, cho n\u00ean nhi\u1ec1u khi \u0111\u00e3 b\u1ecb \u0111\u00e1nh \u0111\u1ed3ng gi\u1eefa h\u1ee3p \u0111\u1ed3ng cho vay v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. Do \u0111\u00f3, m\u1eb7c d\u00f9 NHNN ban h\u00e0nh Quy ch\u1ebf v\u1edbi t\u00ean g\u1ecdi r\u1ea5t r\u00f5 r\u00e0ng l\u00e0 \u201cQuy ch\u1ebf Cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d (k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31-12-2001), nh\u01b0ng l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 H\u1ee3p \u0111\u1ed3ng vay v\u1ed1n hay H\u1ee3p \u0111\u1ed3ng cho vay, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, m\u00e0 l\u1ea1i \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. V\u00e0 nh\u01b0 \u0111\u00e3 n\u00eau \u1edf tr\u00ean, c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh kh\u00f4ng th\u1ed1ng nh\u1ea5t v\u1ec1 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng n\u00e0y, c\u1ee5 th\u1ec3 c\u00f3 \u00edt nh\u1ea5t 1 v\u0103n b\u1ea3n g\u1ecdi l\u00e0 H\u1ee3p \u0111\u1ed3ng vay v\u1ed1n, 2 v\u0103n b\u1ea3n g\u1ecdi l\u00e0 H\u1ee3p \u0111\u1ed3ng cho vay v\u00e0 4 v\u0103n b\u1ea3n g\u1ecdi l\u00e0 H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n<p>Vi\u1ec7c g\u1ecdi h\u1ee3p \u0111\u1ed3ng cho vay l\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd. H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng chung, bao g\u1ed3m c\u00e1c h\u1ee3p \u0111\u1ed3ng (ho\u1ea1t \u0111\u1ed9ng) c\u1ee5 th\u1ec3 l\u00e0 cho vay, b\u1ea3o l\u00e3nh, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n, chi\u1ebft kh\u1ea5u v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c. H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 c\u00f3 hai b\u00ean, g\u1ed3m b\u00ean c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 b\u00ean nh\u1eadn t\u00edn d\u1ee5ng, ch\u1ee9 ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n ph\u1ea3i thay th\u1ebf b\u1eb1ng m\u1ed9t c\u1ee5m t\u1eeb kh\u00e1c, \u0111\u00f3 l\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng, c\u0169ng g\u1ed3m hai b\u00ean l\u00e0 b\u00ean c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 b\u00ean \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng. \u0110\u00e1ng ti\u1ebfc l\u00e0 Lu\u1eadt C\u00e1c TCTD \u0111\u00e3 lu\u1eadt ho\u00e1 s\u1ef1 sai l\u1ea7m n\u00e0y, ch\u00ednh th\u1ee9c ghi nh\u1eadn m\u1ed9t thu\u1eadt ng\u1eef m\u1edbi kh\u00f4ng ch\u00ednh x\u00e1c v\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\n<p>V\u00e0 do v\u1eady, ch\u00ednh NHNN c\u0169ng \u0111\u00e3 song song s\u1eed d\u1ee5ng hai c\u1ee5m t\u1eeb \u0111\u1ec3 ch\u1ec9 m\u1ed9t d\u1ea1ng giao d\u1ecbch t\u01b0\u01a1ng t\u1ef1, \u0111\u00f3 l\u00e0 \u201cH\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng\u201d trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN v\u00e0 nhi\u1ec1u v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c, \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb \u201cH\u1ee3p \u0111\u1ed3ng cho vay\u201d trong Th\u00f4ng t\u01b0 s\u1ed1 06\/2012\/TT-NHNN ng\u00e0y 16-3-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 Cho vay \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi TCTD v\u00e0 Th\u00f4ng t\u01b0 21\/2012\/TT-NHNN ng\u00e0y 18-6-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay, \u0111i vay; mua, b\u00e1n c\u00f3 k\u1ef3 h\u1ea1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 gi\u1eefa c\u00e1c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<ul>\n<li>H\u1ee3p \u0111\u1ed3ng chi\u1ebft kh\u1ea5u c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1:<\/li>\n<\/ul>\n<p>B\u1ea3n ch\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng n\u00e0y l\u00e0 H\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n (l\u00e0 c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c), theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Vi\u1ec7c mua b\u00e1n c\u00f3 th\u1ec3 l\u00e0 \u0111\u1ee9t \u0111o\u1ea1n ho\u1eb7c trong m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh. Tuy nhi\u00ean trong l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nghi\u00eang v\u1ec1 H\u1ee3p \u0111\u1ed3ng cho vay v\u1ed1n c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c.<\/p>\n<ul>\n<li>H\u1ee3p \u0111\u1ed3ng cho thu\u00ea t\u00e0i ch\u00ednh:<\/li>\n<\/ul>\n<p>B\u1ea3n ch\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng n\u00e0y l\u00e0 H\u1ee3p \u0111\u1ed3ng thu\u00ea t\u00e0i s\u1ea3n (l\u00e0 m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb ho\u1eb7c t\u00e0i s\u1ea3n kh\u00e1c) theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Tuy nhi\u00ean trong l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng th\u00ec l\u1ea1i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nghi\u00eang v\u1ec1 H\u1ee3p \u0111\u1ed3ng cho vay v\u1ed1n.<\/p>\n<ol start=\"3\">\n<li>Nh\u00f3m h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/li>\n<\/ol>\n<ul>\n<li>Nh\u00f3m h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 kh\u00e1c trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng bao g\u1ed3m c\u00e1c h\u1ee3p \u0111\u1ed3ng sau (th\u1ed1ng k\u00ea ch\u01b0a \u0111\u1ea7y \u0111\u1ee7):<\/li>\n<\/ul>\n<table style=\"height: 1839px;\" width=\"887\">\n<thead>\n<tr>\n<td width=\"36\"><strong>TT<\/strong><\/td>\n<td width=\"157\"><strong>H\u1ee3p \u0111\u1ed3ng<\/strong><\/td>\n<td width=\"127\"><strong>Lo\u1ea1i h\u1ee3p \u0111\u1ed3ng trong BLDS<\/strong><\/td>\n<td width=\"255\"><strong>V\u0103n b\u1ea3n<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"36\">1.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng chuy\u1ec3n N\u1ee3<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5<\/td>\n<td width=\"255\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 457\/2003\/Q\u0110-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">2.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"255\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n, h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">3.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng h\u1ee3p nh\u1ea5t<\/td>\n<td width=\"127\">Ch\u01b0a c\u00f3 quy \u0111\u1ecbnh<\/td>\n<td width=\"255\">Th\u00f4ng t\u01b0 s\u1ed1 04\/2010\/TT-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">4.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng li\u00ean k\u1ebft v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng<\/td>\n<td width=\"127\">Ch\u01b0a c\u00f3 quy \u0111\u1ecbnh<\/td>\n<td width=\"255\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 20\/2007\/Q\u0110-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">5.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5<\/td>\n<td width=\"255\">Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 101\/2012\/N\u0110-CP<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">6.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng m\u00f4i gi\u1edbi ti\u1ec1n t\u1ec7<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5<\/td>\n<td width=\"255\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 351\/2004\/Q\u0110-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">7.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n n\u1ee3<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n<\/td>\n<td width=\"255\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 59\/2006\/Q\u0110-NHNN Th\u00f4ng t\u01b0 s\u1ed1 19\/2013\/TT-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">8.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng mua l\u1ea1i<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n<\/td>\n<td width=\"255\">Th\u00f4ng t\u01b0 s\u1ed1 04\/2010\/TT-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">9.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng s\u00e1p nh\u1eadp<\/td>\n<td width=\"127\">Ch\u01b0a c\u00f3 quy \u0111\u1ecbnh<\/td>\n<td width=\"255\">Th\u00f4ng t\u01b0 s\u1ed1 04\/2010\/TT-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">10.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng s\u1eed d\u1ee5ng th\u1ebb<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5<\/td>\n<td width=\"255\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 20\/2007\/Q\u0110-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">11.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng thanh to\u00e1n th\u1ebb<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5<\/td>\n<td width=\"255\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 20\/2007\/Q\u0110-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">12.<\/td>\n<td width=\"157\">H\u1ee3p \u0111\u1ed3ng u\u1ef7 th\u00e1c cho vay<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n<\/td>\n<td width=\"255\">Th\u00f4ng t\u01b0 s\u1ed1 04\/2012\/TT-NHNN<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">13.<\/td>\n<td width=\"157\">Ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed5i ngo\u1ea1i t\u1ec7<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng trao \u0111\u1ed5i t\u00e0i s\u1ea3n<\/td>\n<td width=\"255\">Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i 2006<\/p>\n<p>Quy\u1ebft \u0111\u1ecbnh s\u1ed1 21\/2008\/Q\u0110-NHNN kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng \u0111\u1ed5i ngo\u1ea1i t\u1ec7.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">14.<\/td>\n<td width=\"157\">Ho\u1ea1t \u0111\u1ed9ng g\u1eedi ti\u1ebft ki\u1ec7m<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/td>\n<td width=\"255\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng vay ho\u1eb7c g\u1eedi gi\u1eef t\u00e0i s\u1ea3n.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">15.<\/td>\n<td width=\"157\">Ho\u1ea1t \u0111\u1ed9ng ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n<\/td>\n<td width=\"255\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 07\/2008\/Q\u0110-NHNN kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng mua b\u00e1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">16.<\/td>\n<td width=\"157\">Ho\u1ea1t \u0111\u1ed9ng v\u1ec1 c\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng<\/td>\n<td width=\"127\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n t\u00e0i s\u1ea3n (s\u00e9c) v\u00e0 H\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 (thanh to\u00e1n)<\/td>\n<td width=\"255\">Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng 2005<\/p>\n<p>Quy\u1ebft \u0111\u1ecbnh s\u1ed1 30\/2006\/Q\u0110-NHNN kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng trong l\u0129nh v\u1ef1c n\u00e0y<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>Nh\u01b0 v\u1eady, b\u00ean c\u1ea1nh m\u1ed9t s\u1ed1 giao d\u1ecbch kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 h\u1ee3p \u0111\u1ed3ng, th\u00ec c\u00f2n m\u1ed9t s\u1ed1 giao d\u1ecbch ch\u01b0a \u0111\u01b0\u1ee3c c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt thu\u1ed9c l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ghi nh\u1eadn l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng, c\u1ee5 th\u1ec3 nh\u01b0 sau:<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng chuy\u1ec3n N\u1ee3:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 457\/2003\/Q\u0110-NHNN ng\u00e0y 12-5-2003 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, ban h\u00e0nh Quy tr\u00ecnh k\u1ef9 thu\u1eadt nghi\u1ec7p v\u1ee5 thanh to\u00e1n b\u00f9 tr\u1eeb \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 23\/2011\/TT-NHNN ng\u00e0y 31-8-2011;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng h\u1ee3p nh\u1ea5t, H\u1ee3p \u0111\u1ed3ng mua l\u1ea1i, H\u1ee3p \u0111\u1ed3ng s\u00e1p nh\u1eadp: <\/em>\u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Th\u00f4ng t\u01b0 s\u1ed1 04\/2010\/TT-NHNN ng\u00e0y 11-02-2010 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t, mua l\u1ea1i TCTD;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng li\u00ean k\u1ebft v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng, H\u1ee3p \u0111\u1ed3ng s\u1eed d\u1ee5ng th\u1ebb, H\u1ee3p \u0111\u1ed3ng thanh to\u00e1n th\u1ebb: <\/em>\u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 20\/2007\/Q\u0110-NHNN ng\u00e0y 15-5-2007 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Ban h\u00e0nh Quy ch\u1ebf ph\u00e1t h\u00e0nh, thanh to\u00e1n, s\u1eed d\u1ee5ng v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 23\/2011\/TT-NHNN ng\u00e0y 31-8-2011;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 101\/2012\/N\u0110-CP ng\u00e0y 22-11-2012 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng m\u00f4i gi\u1edbi ti\u1ec1n t\u1ec7:\u00a0<\/em>\u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 351\/2004\/Q\u0110-NHNN ng\u00e0y 07-4-2004 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN v\u1ec1 vi\u1ec7c Ban h\u00e0nh Quy ch\u1ebf v\u1ec1 M\u00f4i gi\u1edbi ti\u1ec1n t\u1ec7;<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng mua b\u00e1n n\u1ee3:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong c\u00e1c v\u0103n b\u1ea3n sau:<\/li>\n<li>Quy\u1ebft \u0111\u1ecbnh s\u1ed1 59\/2006\/Q\u0110-NHNN ng\u00e0y 21-12-2006 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ban h\u00e0nh Quy ch\u1ebf Mua b\u00e1n n\u1ee3 c\u1ee7a c\u00e1c TCTD;<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 19\/2013\/TT-NHNN ng\u00e0y 06-09-2013 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c mua, b\u00e1n v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD Vi\u1ec7t Nam.<\/li>\n<li><em>H\u1ee3p \u0111\u1ed3ng u\u1ef7 th\u00e1c cho vay:<\/em> \u0110\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn trong Th\u00f4ng t\u01b0 s\u1ed1 04\/2012\/TT-NHNN ng\u00e0y 08-3-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 nghi\u1ec7p v\u1ee5 nh\u1eadn u\u1ef7 th\u00e1c v\u00e0 u\u1ef7 th\u00e1c c\u1ee7a TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i;<\/li>\n<li><em>Ho\u1ea1t \u0111\u1ed9ng ch\u1ea5p nh\u1eadn, b\u1ea3o l\u00e3nh, chuy\u1ec3n nh\u01b0\u1ee3ng, c\u1ea7m c\u1ed1, nh\u1edd thu, thanh to\u00e1n c\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng (g\u1ed3m gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 l\u00e0 h\u1ed1i phi\u1ebfu \u0111\u00f2i n\u1ee3, h\u1ed1i phi\u1ebfu nh\u1eadn n\u1ee3, s\u00e9c, c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng kh\u00e1c):<\/em> Ch\u01b0a \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 h\u1ee3p \u0111\u1ed3ng trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt sau:<\/li>\n<li>Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng n\u0103m 2005;<\/li>\n<li>Quy\u1ebft \u0111\u1ecbnh s\u1ed1 30\/2006\/Q\u0110-NHNN ng\u00e0y 11-7-2006 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, ban h\u00e0nh Quy ch\u1ebf Cung \u1ee9ng v\u00e0 s\u1eed d\u1ee5ng s\u00e9c, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 23\/2011\/TT-NHNN ng\u00e0y 31-8-2011.<\/li>\n<li><em>Ho\u1ea1t \u0111\u1ed9ng ch\u1ebf t\u00e1c, gia c\u00f4ng, mua b\u00e1n, s\u1ea3n xu\u1ea5t v\u00e0ng:<\/em> Ch\u01b0a \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 h\u1ee3p \u0111\u1ed3ng ch\u1ebf t\u00e1c, gia c\u00f4ng, g\u1eedi gi\u1eef, mua b\u00e1n, s\u1ea3n xu\u1ea5t v\u00e0ng trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt sau \u0111\u00e2y:<\/li>\n<li>Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 24\/2012\/N\u0110-CP ng\u00e0y 03-4-2012 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0ng;<\/li>\n<li>Th\u00f4ng t\u01b0 s\u1ed1 16\/2012\/TT-NHNN ng\u00e0y 25-5-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN H\u01b0\u1edbng d\u1eabn m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 24\/2012\/N\u0110-CP.<\/li>\n<li><em>Ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 t\u00e0i kho\u1ea3n:<\/em> Ch\u01b0a \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 h\u1ee3p \u0111\u1ed3ng m\u1edf t\u00e0i kho\u1ea3n ho\u1eb7c h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n, h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN ng\u00e0y 21-11-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, ban h\u00e0nh Quy ch\u1ebf M\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i NHNN v\u00e0 TCTD, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 23\/2011\/TT-NHNN ng\u00e0y 31-8-2011;<\/li>\n<li><em>Ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch ngo\u1ea1i t\u1ec7:<\/em> Ch\u01b0a \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u1ed5i (ho\u1eb7c mua b\u00e1n) ngo\u1ea1i t\u1ec7 trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt sau:<\/li>\n<li>Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i n\u0103m 2005, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2013;<\/li>\n<li>Quy\u1ebft \u0111\u1ecbnh s\u1ed1 21\/2008\/Q\u0110-NHNN ng\u00e0y 11-7-2008 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ban h\u00e0nh Quy ch\u1ebf \u0110\u1ea1i l\u00fd \u0111\u1ed5i ngo\u1ea1i t\u1ec7, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 25\/2011\/TT-NHNN ng\u00e0y 31-08-2011.<\/li>\n<li><em>Ho\u1ea1t \u0111\u1ed9ng g\u1eedi ti\u1ec1n: <\/em>Ch\u01b0a \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n (ho\u1eb7c nh\u1eadn g\u1eedi gi\u1eef t\u00e0i s\u1ea3n) trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1284\/2002\/Q\u0110-NHNN ng\u00e0y 21-11-2002 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, ban h\u00e0nh Quy ch\u1ebf M\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i NHNN v\u00e0 TCTD, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 23\/2011\/TT-NHNN ng\u00e0y 31-8-2011;<\/li>\n<li><em>Ho\u1ea1t \u0111\u1ed9ng g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m:<\/em> Ch\u01b0a \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1160\/2004\/Q\u0110-NHNN ng\u00e0y 13-9-2004 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN v\u1ec1 vi\u1ec7c ban h\u00e0nh Quy ch\u1ebf v\u1ec1 Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 47\/2006\/Q\u0110-NHNN ng\u00e0y 25-9-2006 v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 04\/2011\/TT-NHNN ng\u00e0y 10-3-2011;<\/li>\n<li><em>Ho\u1ea1t \u0111\u1ed9ng mua b\u00e1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1:<\/em> Ch\u01b0a \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 h\u1ee3p \u0111\u1ed3ng mua b\u00e1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 07\/2008\/Q\u0110-NHNN ng\u00e0y 24-3-2008 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN ban h\u00e0nh Quy ch\u1ebf Ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 trong n\u01b0\u1edbc c\u1ee7a TCTD, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 16\/2009\/TT-NHNN ng\u00e0y 11-8-2009 v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 26\/2011\/TT-NHNN ng\u00e0y 31-08-2012.<\/li>\n<li>H\u1ee3p \u0111\u1ed3ng k\u00fd qu\u1ef9:<\/li>\n<\/ul>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 360 v\u1ec1 \u201c<a name=\"_Toc326319802\"><\/a>K\u00fd qu\u1ef9\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh:<\/p>\n<p>\u201c<em>1. K\u00fd qu\u1ef9 l\u00e0 vi\u1ec7c b\u00ean c\u00f3 ngh\u0129a v\u1ee5 g\u1eedi m\u1ed9t kho\u1ea3n ti\u1ec1n ho\u1eb7c kim kh\u00ed qu\u00fd, \u0111\u00e1 qu\u00fd ho\u1eb7c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c v\u00e0o t\u00e0i kho\u1ea3n phong to\u1ea3 t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1<\/em>.<\/p>\n<ol start=\"2\">\n<li><em> Trong tr\u01b0\u1eddng h\u1ee3p b\u00ean c\u00f3 ngh\u0129a v\u1ee5 kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang ngh\u0129a v\u1ee5 th\u00ec b\u00ean c\u00f3 quy\u1ec1n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng n\u01a1i k\u00fd qu\u1ef9 thanh to\u00e1n, b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do b\u00ean c\u00f3 ngh\u0129a v\u1ee5 g\u00e2y ra, sau khi tr\u1eeb chi ph\u00ed d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. \u201d<\/em><\/li>\n<\/ol>\n<p>Theo quy \u0111\u1ecbnh n\u00e0y, th\u00ec giao d\u1ecbch k\u00fd qu\u1ef9 ph\u1ea3i c\u00f3 3 b\u00ean, trong \u0111\u00f3 c\u00f3 m\u1ed9t b\u00ean l\u00e0 ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf h\u1ea7u h\u1ebft c\u00e1c giao d\u1ecbch k\u00fd qu\u1ef9 t\u1ea1i ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 2 b\u00ean, \u0111\u00f3 l\u00e0 b\u00ean k\u00fd qu\u1ef9 v\u00e0 b\u00ean ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi l\u00e0 b\u00ean nh\u1eadn k\u00fd qu\u1ef9. Ch\u01b0a k\u1ec3 c\u00e1c TCTD phi ng\u00e2n h\u00e0ng c\u0169ng v\u1eabn nh\u1eadn k\u00fd qu\u1ef9. V\u1eady th\u00ec c\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 s\u1ef1 kh\u00e1c nhau gi\u1eefa giao d\u1ecbch k\u00fd qu\u1ef9 v\u00e0 c\u1ea7m c\u1ed1, nh\u1ea5t l\u00e0 theo D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, th\u00ec c\u1ea7m c\u1ed1 thu\u1ed9c ph\u1ea7n v\u1eadt quy\u1ec1n, c\u00f2n k\u00fd qu\u1ef9 th\u00ec l\u1ea1i thu\u1ed9c ph\u1ea7n tr\u00e1i quy\u1ec1n?<\/p>\n<p>Ngo\u00e0i ra, \u0110i\u1ec1u 104 v\u1ec1 \u201cC\u00f4ng b\u1ed1 th\u00f4ng tin c\u1ee7a c\u00f4ng ty ch\u1ee9ng kho\u00e1n, c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9\u201d, Lu\u1eadt Ch\u1ee9ng kho\u00e1n n\u0103m 2006, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2010 c\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn giao d\u1ecbch k\u00fd qu\u1ef9 c\u1ee7a c\u00f4ng ty ch\u1ee9ng kho\u00e1n. Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3, Quy ch\u1ebf H\u01b0\u1edbng d\u1eabn giao d\u1ecbch k\u00fd qu\u1ef9 ch\u1ee9ng kho\u00e1n, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 637\/Q\u0110-UBCK ng\u00e0y 30-8-2011 c\u1ee7 \u1ee6y ban Ch\u1ee9ng kho\u00e1n Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng m\u1edf t\u00e0i kho\u1ea3n giao d\u1ecbch k\u00fd qu\u1ef9. Tuy nhi\u00ean, trong giao d\u1ecbch k\u00fd qu\u1ef9 n\u00e0y, ch\u1ec9 c\u00f3 hai b\u00ean l\u00e0 B\u00ean k\u00fd qu\u1ef9 l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 B\u00ean nh\u1eadn k\u00fd qu\u1ef9 l\u00e0 C\u00f4ng ty ch\u1ee9ng kho\u00e1n, m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<p>Nh\u01b0 v\u1eady quy \u0111\u1ecbnh v\u1ec1 k\u00fd qu\u1ef9 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u1ea1i \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 bao qu\u00e1t trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, nh\u01b0 \u0111\u00f3 c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng hay kh\u00f4ng, c\u1ea7n t\u1ed1i thi\u1ec3u m\u1ea5y b\u00ean v\u00e0 c\u00f3 nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00f3 s\u1ef1 tham gia c\u1ee7a ng\u00e2n h\u00e0ng hay kh\u00f4ng?<\/p>\n<ol start=\"4\">\n<li>C\u1ea5p \u0111\u1ed9 v\u0103n b\u1ea3n \u0111i\u1ec1u ch\u1ec9nh c\u00e1c h\u1ee3p \u0111\u1ed3ng trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/li>\n<\/ol>\n<ul>\n<li>N\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, m\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng nh\u01b0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, h\u1ee3p \u0111\u1ed3ng cho thu\u00ea t\u00e0i ch\u00ednh v\u00e0 quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean trong quan h\u1ec7 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt C\u00e1c TCTD n\u0103m 1997, th\u00ec hi\u1ec7n nay \u0111\u00e3 kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt C\u00e1c TCTD n\u0103m 2010. Nhi\u1ec1u quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00e1c v\u00e0 th\u1eadm ch\u00ed tr\u00e1i v\u1edbi quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, nh\u01b0ng hi\u1ec7n nay \u0111\u00e3 kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt C\u00e1c TCTD. Hi\u1ec7n nay, v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt \u0111i\u1ec1u ch\u1ec9nh c\u00e1c h\u1ee3p \u0111\u1ed3ng trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ch\u1ee7 y\u1ebfu l\u00e0 c\u00e1c Th\u00f4ng t\u01b0 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN, v\u0103n b\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd th\u1ea5p nh\u1ea5t trong h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt. N\u1ebfu c\u1ee9 theo \u0111\u00fang nguy\u00ean t\u1eafc \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt, th\u00ec nhi\u1ec1u n\u1ed9i dung thu\u1ed9c v\u1ec1 c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng b\u1ea3o \u0111\u1ea3m c\u01a1 s\u1edf ph\u00e1p l\u00fd. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng gi\u1ea3m hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/li>\n<li>Do \u0111\u00f3, khi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c, th\u1eadm ch\u00ed tr\u00e1i ng\u01b0\u1ee3c v\u1edbi H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 nh\u01b0 m\u1ed9t s\u1ed1 v\u00ed d\u1ee5 d\u01b0\u1edbi \u0111\u00e2y, th\u00ec s\u1ebd kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 ph\u00e1p l\u00fd \u0111\u1ec3 \u01b0u ti\u00ean \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng t<a name=\"_Toc279669528\"><\/a>heo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 83 v\u1ec1 \u201c\u00c1p d\u1ee5ng v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt\u201d, Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 2008:<\/li>\n<\/ul>\n<table style=\"height: 572px;\" width=\"834\">\n<thead>\n<tr>\n<td width=\"36\"><strong>TT<\/strong><\/td>\n<td width=\"157\"><strong>N\u1ed9i dung<\/strong><\/td>\n<td width=\"193\"><strong>Quy ch\u1ebf 1627\/2001\/ <\/strong><\/p>\n<p><strong>Q\u0110-NHNN<\/strong><\/td>\n<td width=\"189\"><strong>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 <\/strong><\/p>\n<p><strong>n\u0103m 2005<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"36\">1.<\/td>\n<td width=\"157\">M\u1ee5c \u0111\u00edch vay v\u1ed1n.<\/td>\n<td width=\"193\">Ph\u1ea3i cho vay v\u00e0 s\u1eed d\u1ee5ng v\u1ed1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch.<\/td>\n<td width=\"189\">Kh\u00f4ng quy \u0111\u1ecbnh.<\/td>\n<\/tr>\n<tr>\n<td width=\"36\">2.<\/td>\n<td width=\"157\">L\u00e3i su\u1ea5t cho vay.<\/td>\n<td width=\"193\">Kh\u00f4ng b\u1ecb kh\u1ed1ng ch\u1ebf, tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p.<\/td>\n<td width=\"189\">Kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (13,5%\/n\u0103m).<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">3.<\/td>\n<td width=\"157\">L\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n.<\/td>\n<td width=\"193\">Kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t trong h\u1ea1n.<\/td>\n<td width=\"189\">Theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (9%\/n\u0103m)<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">4.<\/td>\n<td width=\"157\">Thu n\u1ee3 tr\u01b0\u1edbc h\u1ea1n.<\/td>\n<td width=\"193\">\u0110\u01b0\u1ee3c ph\u00e9p theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c TCTD.<\/td>\n<td width=\"189\">Kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p, tr\u1eeb ngo\u1ea1i l\u1ec7.<a href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a><\/td>\n<\/tr>\n<tr>\n<td width=\"36\">5.<\/td>\n<td width=\"157\">C\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 (\u0111\u1ea3o n\u1ee3).<\/td>\n<td width=\"193\">Ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n v\u1edbi nh\u1eefng \u0111i\u1ec1u ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh.<\/td>\n<td width=\"189\">Kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li><a name=\"_Toc265570203\"><\/a><a name=\"_Toc265569715\"><\/a> Trong 5 n\u1ed9i dung k\u1ec3 tr\u00ean c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, th\u00ec ch\u1ec9 c\u00f3 vi\u1ec7c thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 95 v\u1ec1 \u201cCh\u1ea5m d\u1ee9t c\u1ea5p t\u00edn d\u1ee5ng, x\u1eed l\u00fd n\u1ee3, mi\u1ec5n, gi\u1ea3m l\u00e3i su\u1ea5t\u201d, Lu\u1eadt C\u00e1c TCTD n\u0103m 2010: \u201c<em> TCTD c\u00f3 quy\u1ec1n ch\u1ea5m d\u1ee9t vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng, thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n khi ph\u00e1t hi\u1ec7n kh\u00e1ch h\u00e0ng cung c\u1ea5p th\u00f4ng tin sai s\u1ef1 th\u1eadt, vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng<\/em>.\u201d C\u00f2n vi\u1ec7c \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cho vay, tuy \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u <a name=\"_Toc265570199\"><\/a><a name=\"_Toc265569711\"><\/a>91 v\u1ec1 \u201cL\u00e3i su\u1ea5t, ph\u00ed trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a TCTD\u201d, Lu\u1eadt C\u00e1c TCTD,<a href=\"#_ftn13\" name=\"_ftnref13\">[13]<\/a> nh\u01b0ng c\u0169ng kh\u00f4ng th\u1ec3 hi\u1ec7n r\u00f5 n\u1ed9i dung \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Tr\u00ean th\u1ef1c t\u1ebf th\u00ec l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n kh\u00e1c. M\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t trong h\u1ea1n, th\u00ec c\u00f3 th\u1ec3 cao h\u01a1n nhi\u1ec1u ho\u1eb7c th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n trong h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 (theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n 9%\/n\u0103m).<\/li>\n<\/ul>\n<ol start=\"5\">\n<li>K\u1ebft lu\u1eadn:<\/li>\n<\/ol>\n<ul>\n<li>C\u1ea7n xem x\u00e9t b\u1ed5 sung m\u1ed9t s\u1ed1 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng v\u00e0o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, nh\u01b0 h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng t\u00e0i s\u1ea3n, h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c, h\u1ee3p \u0111\u1ed3ng thu\u00ea mua, h\u1ee3p \u0111\u1ed3ng trao \u0111\u1ed5i t\u00e0i s\u1ea3n,&#8230; v\u00ec s\u1ef1 kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00eau trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hi\u1ec7n h\u00e0nh c\u0169ng nh\u01b0 D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m t\u00ednh bao qu\u00e1t v\u00e0 l\u00e0m c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt quy \u0111\u1ecbnh c\u1ee5 th\u1ec3.<\/li>\n<li>C\u1ea7n xem x\u00e9t th\u1ed1ng nh\u1ea5t v\u00e0 \u0111i\u1ec1u ch\u1ec9nh t\u00ean g\u1ecdi c\u00e1c h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1c b\u00ean trong trong h\u1ee3p \u0111\u1ed3ng, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 h\u1ee3p l\u00fd v\u1ec1 t\u00ean g\u1ecdi v\u00e0 v\u1ec1 c\u00e1c b\u00ean tham gia h\u1ee3p \u0111\u1ed3ng, trong \u0111\u00f3 c\u00f3 vi\u1ec7c kh\u1eafc ph\u1ee5c s\u1ef1 nh\u1ea7m l\u1eabn gi\u1eefa h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng.<\/li>\n<li>C\u1ea7n xem x\u00e9t x\u00e1c \u0111\u1ecbnh r\u00f5 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m n\u00e0o hay to\u00e0n b\u1ed9 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m l\u00e0 hay kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng, \u0111\u1ed3ng th\u1eddi th\u1ed1ng nh\u1ea5t t\u00ean g\u1ecdi trong c\u00e1c \u0111\u1ea1o lu\u1eadt c\u0169ng nh\u01b0 v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt.<\/li>\n<li>C\u1ea7n xem x\u00e9t x\u00e1c \u0111\u1ecbnh l\u1ea1i t\u00ednh ch\u1ea5t, \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf v\u00e0 B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng n\u0103m 2012, g\u1ed3m hai lo\u1ea1i l\u00e0 t\u00e0i li\u1ec7u k\u00e8m theo ngay t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng v\u00e0 v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung h\u1ee3p \u0111\u1ed3ng.<\/li>\n<li>C\u1ea7n xem l\u1ea1i vi\u1ec7c nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u00f3i chung v\u00e0 v\u0103n b\u1ea3n trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang \u0111\u1ecbnh danh l\u00e0 h\u1ee3p \u0111\u1ed3ng v\u00e0 ch\u01b0a c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd t\u1eeb B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u00f3i ri\u00eang v\u00e0 c\u00e1c \u0111\u1ea1o lu\u1eadt kh\u00e1c n\u00f3i chung.<\/li>\n<li>C\u1ea7n xem l\u1ea1i vi\u1ec7c nhi\u1ec1u n\u1ed9i dung trong c\u00e1c h\u1ee3p \u0111\u1ed3ng thu\u1ed9c l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (nh\u01b0 m\u1ee5c \u0111\u00edch vay v\u1ed1n, l\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n, thu n\u1ee3 tr\u01b0\u1edbc h\u1ea1n,&#8230; trong h\u1ee3p \u0111\u1ed3ng cho vay &#8211; h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng) kh\u00f4ng b\u1ea3o \u0111\u1ea3m gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd, v\u00ec m\u00e2u thu\u1eabn v\u1edbi quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 nh\u01b0ng l\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt, ch\u1ee7 y\u1ebfu l\u00e0 c\u00e1c Th\u00f4ng t\u01b0 c\u1ee7a NHNN.<\/li>\n<\/ul>\n<p><em>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/p>\n<p><em>\u0110C:\u00a0<\/em><em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em><em>ANVI, t\u1ea7ng 2, T\u00f2a nh\u00e0 Savina, s\u1ed1 1 \u0110inh L\u1ec5, ph\u1ed1 Tr\u00e0ng Ti\u1ec1n, qu\u1eadn Ho\u00e0n Ki\u1ebfm,\u00a0<\/em><em>HN<\/em><\/p>\n<p><em>FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n<p><em>E-mail: duc.tt\u00a0@anvilaw.com<\/em><\/p>\n<p><em>Web: www.anvilaw.com<\/em><\/p>\n<p><em>\u0110T: 090.345.9070<\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u00a0 B\u00e0i th\u1ee9 17 trong lo\u1ea1t b\u00e0i tham gia x\u00e2y d\u1ef1ng B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> \u00a0 Th\u00f4ng t\u01b0 s\u1ed1 21\/2012\/TT-NHNN ng\u00e0y 18-6-2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay, \u0111i vay; mua, b\u00e1n c\u00f3 k\u1ef3 h\u1ea1n gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 gi\u1eefa c\u00e1c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> \u00a0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 v\u00e0 ch\u1ec9 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, kh\u00f4ng c\u1ea7m c\u1ed1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. C\u0169ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 H\u1ee3p \u0111\u1ed3ng t\u1ea1i Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 2005.<\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> \u00a0 D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh c\u1ea3 vi\u1ec7c c\u1ea7m c\u1ed1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> \u00a0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p. C\u0169ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u1ea1i Lu\u1eadt B\u1ea3o v\u1ec7 v\u00e0 ph\u00e1t tri\u1ec3n r\u1eebng n\u0103m 2004, B\u1ed9 lu\u1eadt H\u00e0ng h\u1ea3i n\u0103m 2005, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2005, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i n\u0103m 2005, Lu\u1eadt C\u00f4ng ch\u1ee9ng n\u0103m 2006, Lu\u1eadt H\u00e0ng kh\u00f4ng d\u00e2n d\u1ee5ng n\u0103m 2006, Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2013.<\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> \u00a0 \u0110\u01b0\u1ee3c g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh trong <a href=\"http:\/\/thuvienphapluat.vn\/van-ban\/Lao-dong-Tien-luong\/Luat-nguoi-lao-dong-Viet-Nam-di-lam-viec-o-nuoc-ngoai-theo-hop-dong-2006-72-2006-QH11-15865.aspx\">Lu\u1eadt Ng\u01b0\u1eddi lao \u0111\u1ed9ng Vi\u1ec7t Nam \u0111i l\u00e0m vi\u1ec7c \u1edf n\u01b0\u1edbc ngo\u00e0i theo h\u1ee3p \u0111\u1ed3ng n\u0103m 2006<\/a>.<\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> \u00a0 \u0110\u01b0\u1ee3c g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u1eb7t c\u1ecdc theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 11\/2012\/N\u0110-CP ng\u00e0y 22-02-2012.<\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> \u00a0 \u0110\u01b0\u1ee3c g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng k\u00fd c\u01b0\u1ee3c theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 11\/2012\/N\u0110-CP ng\u00e0y 22-02-2012.<\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> \u00a0 \u0110\u01b0\u1ee3c g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng k\u00fd qu\u1ef9 theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 11\/2012\/N\u0110-CP ng\u00e0y 22-02-2012.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> Kho\u1ea3n 1, \u0110i\u1ec1u 476 v\u1ec1 \u201c<a name=\"_Toc326319940\"><\/a>L\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> Kho\u1ea3n 1, \u0110i\u1ec1u 476 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> Kho\u1ea3n 3, \u0110i\u1ec1u 473 v\u1ec1 \u201c<a name=\"_Toc326319937\"><\/a>Ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean cho vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n<p><a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> \u201c<em>\u0110i\u1ec1u 91. L\u00e3i su\u1ea5t, ph\u00ed trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a TCTD<\/em><\/p>\n<ol>\n<li><em> TCTD \u0111\u01b0\u1ee3c quy\u1ec1n \u1ea5n \u0111\u1ecbnh v\u00e0 ph\u1ea3i ni\u00eam y\u1ebft c\u00f4ng khai m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1ed1n, m\u1ee9c ph\u00ed cung \u1ee9ng d\u1ecbch v\u1ee5 trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a TCTD.<\/em><\/li>\n<li><em> TCTD v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a TCTD theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. <\/em><\/li>\n<li><em> Trong tr\u01b0\u1eddng h\u1ee3p ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u00f3 di\u1ec5n bi\u1ebfn b\u1ea5t th\u01b0\u1eddng, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng TCTD, NHNN c\u00f3 quy\u1ec1n quy \u0111\u1ecbnh c\u01a1 ch\u1ebf x\u00e1c \u0111\u1ecbnh ph\u00ed, l\u00e3i su\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a TCTD.<\/em>\u201d<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; VPCP &#8211; VIAC &#8211; H\u1ed9i th\u1ea3o Ch\u1ebf \u0111\u1ecbnh H\u1ee3p \u0111\u1ed3ng \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\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 19-6-2014 B\u00ccNH LU\u1eacN CH\u1ebe \u0110\u1ecaNH H\u1ee2P \u0110\u1ed2NG TRONG B\u1ed8 LU\u1eacT D\u00c2N S\u1ef0 LI\u00caN QUAN \u0110\u1ebeN HO\u1ea0T \u0110\u1ed8NG NG\u00c2N H\u00c0NG[1] &nbsp; M\u1ed8T S\u1ed0 V\u1ea4N \u0110\u1ec0 CHUNG V\u1ec0 H\u1ee2P \u0110\u1ed2NG: C\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005: B\u1ed9 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6235,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6168","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>219. B\u00ecnh lu\u1eadn ch\u1ebf \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ng\u00e2n ng\u00e2n h\u00e0ng.  - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/219-binh-luan-che-dinh-hop-dong-trong-bo-luat-dan-su-lien-quan-den-hoat-dong-ngan-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]219. B\u00ecnh lu\u1eadn ch\u1ebf \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ng\u00e2n ng\u00e2n h\u00e0ng. 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