{"id":6290,"date":"2015-06-12T23:24:16","date_gmt":"2015-06-12T16:24:16","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6290"},"modified":"2022-02-14T22:28:22","modified_gmt":"2022-02-14T15:28:22","slug":"246-can-tro-phap-ly-doi-voi-viec-xu-ly-no-xau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/246-can-tro-phap-ly-doi-voi-viec-xu-ly-no-xau\/","title":{"rendered":"246. C\u1ea3n tr\u1edf ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u."},"content":{"rendered":"(ANVI) – H\u1ed9i th\u1ea3o \u201cGi\u1ea3m tr\u1eeb v\u00e0 gi\u1ea3i quy\u1ebft n\u1ee3 x\u1ea5u 2015\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\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 12-6-2015\u00a0<\/em><\/strong><\/p>\n

d\u01b0\u1edbi g\u00f3c nh\u00ecn ph\u00e1p l\u00fd\u201d \u2013 H\u1ed9i Lu\u1eadt gia VN<\/em><\/strong><\/p>\n

 <\/p>\n

V\u01b0\u1edbng m\u1eafc l\u1edbn nh\u1ea5t g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng ch\u00ednh l\u00e0 s\u1ef1 c\u1ea3n tr\u1edf ph\u00e1p l\u00fd, v\u1edbi 4 nh\u00f3m nh\u01b0 sau: C\u1ea3n tr\u1edf ph\u00e1p l\u00fd do xung \u0111\u1ed9t ph\u00e1p lu\u1eadt, c\u1ea3n tr\u1edf ph\u00e1p l\u00fd do b\u1ea5t c\u1eadp ph\u00e1p lu\u1eadt, c\u1ea3n tr\u1edf ph\u00e1p l\u00fd do \u00e1p d\u1ee5ng sai lu\u1eadt v\u00e0 c\u1ea3n tr\u1edf ph\u00e1p l\u00fd do b\u1ea5t ch\u1ea5p ph\u00e1p lu\u1eadt. \u00a0\u00a0<\/em><\/p>\n

<\/a><\/a><\/a><\/a>1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea3n tr\u1edf ph\u00e1p l\u00fd do xung \u0111\u1ed9t ph\u00e1p lu\u1eadt:<\/p>\n

1.1.\u00a0\u00a0\u00a0 Quy\u1ec1n c\u00f3 nh\u01b0 kh\u00f4ng:<\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 336 v\u1ec1 \u201cX\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1\u201d, \u0110i\u1ec1u 355 v\u1ec1 \u201cX\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 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 \u201cGiao d\u1ecbch b\u1ea3o \u0111\u1ea3m\u201d (\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 c\u00e1c TCTD c\u00f3 \u0111\u1ea7y \u0111\u1ee7 quy\u1ec1n h\u1ea1n t\u1ef1 m\u00ecnh v\u00e0 ch\u1ee7 \u0111\u1ed9ng x\u1eed l\u00fd n\u1ee3 n\u1ebfu nh\u01b0 \u0111\u00e3 c\u00f3 tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m. \u0110\u00f3 l\u00e0: Thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; nh\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 tr\u1ea3 n\u1ee3;\u2026. Tuy nhi\u00ean, c\u00e1c TCTDh\u1ea7u nh\u01b0 kh\u00f4ng t\u1ef1 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c quy\u1ec1n n\u00e0y tr\u00ean th\u1ef1c t\u1ebf. B\u1edfi c\u00f3 xung \u0111\u1ed9t ph\u00e1p lu\u1eadt do h\u00e0nh \u0111\u1ed9ng x\u1eed l\u00fd n\u1ee3 li\u00ean quan \u0111\u1ebfn nhi\u1ec1u quy \u0111\u1ecbnh kh\u00e1c v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n, quy\u1ec1n b\u1ea5t kh\u1ea3 x\u00e2m ph\u1ea1m v\u1ec1 ch\u1ed7 \u1edf, quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, h\u00ecnh th\u1ee9c v\u00e0 n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng, th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, tr\u00e1ch nhi\u1ec7m li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n v\u00e0 giao d\u1ecbch,\u2026 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Hi\u1ebfn ph\u00e1p, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, Lu\u1eadt Nh\u00e0 \u1edf, Lu\u1eadt \u0110\u1ea5t \u0111ai, Lu\u1eadt C\u00f4ng ch\u1ee9ng,\u2026 V\u00ec th\u1ebf, quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng d\u01b0\u1edbi \u0111\u00e2y nh\u01b0 t\u1ea1i \u0111o\u1ea1n 2, kho\u1ea3n 4, \u0110i\u1ec1u 58 v\u1ec1 \u201cNguy\u00ean t\u1eafc x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung) c\u0169ng g\u1ea7n nh\u01b0 v\u00f4 ngh\u0129a tr\u00ean th\u1ef1c t\u1ebf: \u201cNg\u01b0\u1eddi x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u0103n c\u1ee9 n\u1ed9i dung \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 ti\u1ebfn h\u00e0nh x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 v\u0103n b\u1ea3n \u1ee7y quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m<\/em>.\u201d<\/p>\n

1.2.\u00a0\u00a0\u00a0 M\u1ea5t quy\u1ec1n theo ki\u1ec7n:<\/p>\n

M\u1ed9t trong c\u00e1c c\u00e1ch th\u1ee9c x\u1eed l\u00fd n\u1ee3 ch\u1ee7 y\u1ebfu trong th\u1eddi gian qua l\u00e0 b\u00e1n n\u1ee3 cho c\u00e1c C\u00f4ng ty Qu\u1ea3n l\u00fd n\u1ee3 v\u00e0 khai th\u00e1c t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng (AMC) n\u00f3i chung v\u00e0 C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD (VAMC) n\u00f3i ri\u00eang. Nh\u01b0ng b\u00e1n cho VAMC xong r\u1ed3i, v\u1eabn ph\u1ea3i tr\u00edch l\u1eadp \u0111\u1ee7 d\u1ef1 ph\u00f2ng, c\u01a1 b\u1ea3n v\u1eabn ph\u1ea3i qu\u1ea3n l\u00fd, x\u1eed l\u00fd n\u1ee3 v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m nh\u01b0 ch\u01b0a b\u00e1n n\u1ee3. Nh\u01b0ng khi mu\u1ed1n ra tay x\u1eed l\u00fd th\u1eadt b\u1eb1ng kh\u1edfi ki\u1ec7n ra To\u00e0, th\u00ec l\u1ea1i g\u1eb7p v\u01b0\u1edbng m\u1eafc, v\u00ec To\u00e0 \u00e1n kh\u00f4ng th\u1ee5 l\u00fd v\u1ee5 ki\u1ec7n ho\u1eb7c kh\u00f4ng ch\u1ea5p nh\u1eadn t\u01b0 c\u00e1ch tham gia t\u1ed1 t\u1ee5ng c\u1ee7a c\u00e1c TCTD. L\u00fd do l\u00e0, TCTD \u0111\u00e3 b\u00e1n chuy\u1ec3n t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u00ecnh cho ph\u00e1p nh\u00e2n kh\u00e1c, th\u00ec l\u00e0m g\u00ec c\u00f2n quy\u1ec1n kh\u1edfi ki\u1ec7n? N\u1ebfu VAMC u\u1ef7 quy\u1ec1n cho TCTD kh\u1edfi ki\u1ec7n v\u00e0 tham gia t\u1ed1 t\u1ee5ng, th\u00ec ph\u1ea3i v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a VAMC ki\u1ec7n, ch\u1ee9 sao l\u1ea1i s\u1eed d\u1ee5ng t\u01b0 c\u00e1ch c\u1ee7a TCTD? Ch\u01b0a n\u00f3i, h\u1ec7 th\u1ed1ng To\u00e0 \u00e1n c\u00f2n c\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 r\u00e0ng c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 \u0111\u1ec3 g\u1ea1t b\u1ecf r\u1ea5t v\u00f4 l\u00fd: Ph\u00e1p nh\u00e2n n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p u\u1ef7 quy\u1ec1n cho ph\u00e1p nh\u00e2n kh\u00e1c. Th\u1ebf l\u00e0 lu\u1eadt n\u00e0y l\u00e0m h\u1ea1i lu\u1eadt kh\u00e1c. Lu\u1eadt n\u00e0y c\u1edfi, lu\u1eadt kh\u00e1c tr\u00f3i. Lu\u1eadt n\u00e0y cho, l\u1ec7 kia r\u00fat. Lu\u1eadt n\u00e0y b\u1eaft, lu\u1eadt kh\u00e1c c\u1ea5m. TCTD ch\u1ec9 c\u00f2n bi\u1ebft tr\u00e2n m\u00ecnh ch\u1ecbu tr\u1eadn.<\/p>\n

2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea3n tr\u1edf ph\u00e1p l\u00fd do b\u1ea5t c\u1eadp ph\u00e1p lu\u1eadt:<\/p>\n

2.1.\u00a0\u00a0\u00a0 Ch\u00e2y \u1ef3 th\u00ec l\u1ee3i:<\/p>\n

C\u00e1c TCTD v\u00e0 ph\u00e1p lu\u1eadt \u0111ang b\u1ea5t l\u1ef1c v\u1edbi vi\u1ec7c ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3 c\u1ee7a con n\u1ee3. Khi \u0111\u00e3 b\u1ecb ki\u1ec7n ra to\u00e0, b\u1ecb \u0111\u01a1n, ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 li\u00ean quan v\u1eabn ti\u1ebfp t\u1ee5c t\u00ecm \u0111\u1ee7 c\u00e1ch \u0111\u1ec3 tr\u00ec ho\u00e3n, k\u00e9o d\u00e0i th\u1eddi h\u1ea1n gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n. Cu\u1ed1i c\u00f9ng, h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd l\u00e0 th\u1eddi h\u1ea1n \u0111\u1ec3 x\u1eed l\u00fd m\u1ed9t kho\u1ea3n n\u1ee3 ph\u1ea3i t\u00ednh b\u1eb1ng nhi\u1ec1u n\u0103m. V\u00e0 \u0111\u00f3 ch\u00ednh l\u00e0 nguy\u00ean nh\u00e2n quan tr\u1ecdng nh\u1ea5t d\u1eabn t\u1edbi t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u t\u00edch t\u1ee5 ch\u1ed3ng ch\u1ea5t qua su\u1ed1t nhi\u1ec1u n\u0103m th\u00e1ng. K\u1ebft qu\u1ea3 x\u1eed l\u00fd n\u1ee3 ph\u1ee5 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o l\u00f2ng t\u1ed1t v\u00e0 thi\u1ec7n ch\u00ed c\u1ee7a con n\u1ee3, v\u00e0o s\u1ef1 ban \u01a1n, gi\u00fap \u0111\u1ee1 c\u1ee7a c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng, thay v\u00ec ph\u1ea3i d\u1ef1a v\u00e0o lu\u1eadt.<\/p>\n

\u201cTh\u1ee7 ph\u1ea1m\u201d ch\u00ednh l\u00e0 h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt l\u1ed9 c\u1ed9, \u0111\u00e3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng khuy\u1ebfn kh\u00edch c\u00e1ch h\u00e0nh x\u1eed tha h\u1ed3 ch\u00e2y \u1ef3, th\u1eadm ch\u00ed c\u00e0ng ch\u00e2y \u1ef3 c\u00e0ng c\u00f3 l\u1ee3i. Quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n l\u00e0 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec1n h\u00ecnh. Ch\u1eb3ng h\u1ea1n, l\u00e3i su\u1ea5t n\u1ee3 vay ng\u00e2n h\u00e0ng trong h\u1ea1n l\u00e0 10%\/n\u0103m, th\u00ec l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n cao nh\u1ea5t l\u00e0 15%\/n\u0103m (theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 11 v\u1ec1 \u201cL\u00e3i su\u1ea5t cho vay\u201d, Quy ch\u1ebf Cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31-12-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) ho\u1eb7c 19%\/n\u0103m (theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 5, \u0110i\u1ec1u 474 v\u1ec1 \u201c<\/a><\/a><\/a>Ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005). Ph\u1ea7n l\u1edbn n\u1ee3 qu\u00e1 h\u1ea1n c\u00f3 \u201cngu\u1ed3n g\u1ed1c\u201d t\u1eeb m\u1ed9t s\u1ed1 n\u0103m tr\u01b0\u1edbc, th\u00ec l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n th\u01b0\u1eddng cao h\u01a1n th\u1ebf, th\u1eadm ch\u00ed l\u00ean \u0111\u1ebfn c\u1ee1 30%\/n\u0103m. Trong khi \u0111\u00f3, n\u1ebfu \u0111\u00e3 ki\u1ec7n ra To\u00e0, th\u00ec sau khi c\u00f3 b\u1ea3n \u00e1n, con n\u1ee3 ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t ch\u1eadm thi h\u00e0nh \u00e1n 9%\/n\u0103m. V\u1eady l\u00e0 l\u00e3i su\u1ea5t n\u00e0y r\u1ebb h\u01a1n c\u1ea3 l\u00e3i su\u1ea5t vay trong h\u1ea1n v\u00e0 t\u1ea5t nhi\u00ean c\u00e0ng th\u1ea5p so v\u1edbi l\u00e3i su\u1ea5t khi b\u1ecb qu\u00e1 h\u1ea1n. H\u1eadu qu\u1ea3 nh\u00e3n ti\u1ec1n c\u1ee7a vi\u1ec7c ch\u1eadm thi h\u00e0nh \u00e1n l\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean, v\u00ec c\u00e0ng ch\u00e2y \u1ef3, tr\u00ec ho\u00e3n c\u00e0ng c\u00f3 l\u1ee3i (so v\u1edbi tr\u01b0\u1edbc khi c\u00f3 b\u1ea3n \u00e1n). V\u1eady ho\u00e1 ra, ch\u00e2y \u1ef3 nhi\u1ec1u khi l\u1ea1i c\u00f3 l\u1ee3i.<\/p>\n

2.2.\u00a0\u00a0\u00a0 Lu\u1eadt l\u1ec7 c\u1ea3n tr\u1edf:<\/p>\n

2.2.1. \u0110i\u1ec3m ngh\u1ebdn ph\u00e1p lu\u1eadt:<\/p>\n

Nhi\u1ec1u khi lu\u1eadt ph\u00e1p \u1edf \u0111\u00e2u \u0111\u00f3, nh\u01b0ng l\u1ea1i l\u00e0m kh\u00f3 x\u1eed l\u00fd n\u1ee3. Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt t\u01b0\u1edfng ch\u1eebng ch\u1eb3ng li\u00ean quan g\u00ec \u0111\u1ebfn vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a ng\u00e2n h\u00e0ng, nh\u01b0ng cu\u1ed1i c\u00f9ng l\u1ea1i tr\u1edf th\u00e0nh nh\u1eefng \u0111i\u1ec3m ngh\u1ebdn ng\u0103n tr\u1edf vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Con \u0111\u01b0\u1eddng c\u01a1 b\u1ea3n nh\u1ea5t, \u0111\u00f3 l\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ch\u00ednh l\u00e0 n\u01a1i b\u1ecb t\u1eafc ngh\u1ebdn nhi\u1ec1u nh\u1ea5t.<\/p>\n

2.2.2. M\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng:<\/p>\n

Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, mu\u1ed1n ph\u00e1t m\u1ea1i \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, th\u00ec l\u1ea1i ph\u1ea3i thay \u0111\u1ed5i m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng \u0111\u1ea5t. \u0110ang t\u1eeb \u0111\u1ea5t \u1edf c\u00f3 gi\u00e1 tr\u1ecb th\u01b0\u01a1ng m\u1ea1i cao nh\u1ea5t, ph\u1ea3i sang \u0111\u1ea5t s\u1ea3n xu\u1ea5t kinh doanh, gi\u00e1 c\u1ea3 th\u1ea5p h\u01a1n nhi\u1ec1u, m\u00e0 c\u1ee7ng r\u1ea5t kh\u00f3 kh\u0103n \u0111\u1ec3 l\u00e0m \u0111i\u1ec1u \u0111\u00f3. Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 34\/2015\/N\u0110-CP ng\u00e0y 31-3-2015 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cS\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 53\/2013\/N\u0110-CP ng\u00e0y 18-5-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Th\u00e0nh l\u1eadp, t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a C\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam\u201d (VAMC) \u00a0\u0111\u00e3 b\u1ed5 sung tr\u00e1ch nhi\u1ec7m c\u1ee7a B\u1ed9 T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng trong vi\u1ec7c ch\u1ec9 \u0111\u1ea1o, h\u01b0\u1edbng d\u1eabn h\u1ed7 tr\u1ee3 vi\u1ec7c th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng \u0111\u1ea5t trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u01b0\u1edbng m\u1eafc c\u1ee7a VAMC, nh\u01b0ng v\u01b0\u1edbng m\u1eafc t\u01b0\u01a1ng t\u1ef1 c\u1ee7a c\u00e1c TCTD th\u00ec kh\u00f4ng d\u00f9ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh n\u00e0y.<\/p>\n

2.2.3. Ch\u1ee9ng nh\u1eadn \u0111\u1ea7u t\u01b0:<\/p>\n

N\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t thu\u00ea t\u1ea1i khu c\u00f4ng nghi\u1ec7p, t\u1ee9c l\u00e0 lu\u00f4n \u0111i c\u00f9ng v\u1edbi Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u1ea7u t\u01b0 n\u00e0o \u0111\u00f3. Vi\u1ec7c mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng t\u00e0i s\u1ea3n n\u00e0y r\u1ea5t d\u1ec5 b\u1ebf t\u1eafc n\u1ebfu Gi\u1ea5y ph\u00e9p \u0111\u1ea7u t\u01b0 li\u00ean quan kh\u00f4ng \u0111\u01b0\u1ee3c thu h\u1ed3i, thay \u0111\u1ed5i, c\u1ea5p m\u1edbi. Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 34\/2015\/N\u0110-CP \u0111\u00e3 giao tr\u00e1ch nhi\u1ec7m n\u00e0y cho B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0 \u0111\u1ec3 h\u1ed7 tr\u1ee3 VAMC x\u1eed l\u00fd n\u1ee3. V\u1eady th\u00ec v\u01b0\u1edbng m\u1eafc ti\u1ebfp t\u1ee5c n\u1eb1m l\u1ea1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

2.2.4. Ai l\u00e0m \u1ea5y ch\u1ecbu:<\/p>\n

Nhi\u1ec1u n\u0103m nay, m\u1eb7c nhi\u00ean \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc, ch\u1ec9 c\u1ea7n m\u1ed9t ng\u01b0\u1eddi v\u1ee3 ho\u1eb7c ch\u1ed3ng hay b\u1ea5t k\u1ef3 th\u00e0nh vi\u00ean n\u00e0o trong h\u1ed9 gia \u0111\u1ecbnh kh\u00f4ng k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, th\u00ec h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9. \u0110i\u1ec1u n\u00e0y l\u00e0 r\u1ea5t kh\u00f4ng h\u1ee3p l\u00fd, tr\u00e1i v\u1edbi \u00fd ch\u00ed nguy\u1ec7n v\u1ecdng c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu khi \u0111\u00e3 t\u1ef1 nguy\u1ec7n k\u00fd giao d\u1ecbch \u0111\u1ecbnh \u0111o\u1ea1t, th\u1ebf ch\u1ea5p, khuy\u1ebfn kh\u00edch b\u1ed9i \u01b0\u1edbc, r\u0169 b\u1ecf ngh\u0129a v\u1ee5 \u0111\u00e3 cam k\u1ebft b\u1eb1ng gi\u1ea5y tr\u1eafng, m\u1ef1c \u0111en, \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p. \u0110\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f3 x\u00e1c \u0111\u1ecbnh \u0111\u00fang c\u00e1c th\u00e0nh vi\u00ean c\u00f3 quy\u1ec1n l\u1ee3i li\u00ean quan c\u1ee7a h\u1ed9 gia \u0111\u00ecnh, th\u00ec nguy c\u01a1 v\u00f4 hi\u1ec7u qu\u00e1 l\u1edbn v\u00e0 b\u1ecb l\u1ee3i d\u1ee5ng \u0111\u1ec3 tr\u1ed1n tr\u00e1nh ngh\u0129a v\u1ee5 ph\u00e1p l\u00fd. Khi th\u1ebf ch\u1ea5p th\u00ec kh\u00f4ng c\u00f3 c\u00e1ch n\u00e0o \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m 100% s\u1ed1 th\u00e0nh vi\u00ean c\u1ee7a h\u1ed9 gia \u0111\u00ecnh, nh\u01b0ng khi x\u1ea3y ra tranh ch\u1ea5p th\u00ec To\u00e0 s\u1eb5n s\u00e0ng tuy\u00ean v\u00f4 hi\u1ec7u cho d\u00f9 c\u00f3 \u0111\u1ebfn 9\/10 th\u00e0nh vi\u00ean \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p.<\/p>\n

Vi\u1ec7c c\u1ee9 thi\u1ebfu 1 ch\u1eef k\u00fd l\u00e0 c\u00e1c ch\u1eef k\u00fd kh\u00e1c c\u0169ng b\u1ecb v\u00f4 hi\u1ec7u l\u00e0 c\u0103n c\u1ee9 v\u00e0o quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt H\u00f4n nh\u00e2n v\u00e0 gia \u0111\u00ecnh n\u0103m 2000 v\u00e0 n\u0103m 2014, v\u1ec1 \u201cT\u00e0i s\u1ea3n chung c\u1ee7a v\u1ee3 ch\u1ed3ng thu\u1ed9c s\u1edf h\u1eefu chung h\u1ee3p nh\u1ea5t\u201d. Th\u1ef1c ch\u1ea5t, l\u00fd lu\u1eadn \u201cs\u1edf h\u1eefu chung h\u1ee3p nh\u1ea5t\u201d ch\u1ec9 c\u00f3 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi quan h\u1ec7 c\u1ee7a c\u00e1c \u0111\u1ed3ng s\u1edf h\u1eefu, kh\u00f4ng th\u1ec3 \u00e1p \u0111\u1eb7t v\u1edbi c\u00e1c giao d\u1ecbch kh\u00e1c, \u0111\u1eb7c bi\u1ec7t l\u00e0 giao d\u1ecbch th\u1ebf ch\u1ea5p. C\u1ea3 4 \u0111\u1ea1o lu\u1eadt h\u00f4n nh\u00e2n v\u00e0 gia \u0111\u00ecnh \u0111\u1ec1u quy \u0111\u1ecbnh r\u00f5 c\u00e1ch th\u1ee9c ph\u00e2n chia t\u00e0i s\u1ea3n c\u1ee7a v\u1ee3 ch\u1ed3ng, trong h\u00f4n nh\u00e2n ho\u1eb7c khi ly h\u00f4n hay khi m\u1ed9t ng\u01b0\u1eddi ch\u1ebft, l\u00e0 theo nguy\u00ean t\u1eafc chia \u0111\u00f4i ho\u1eb7c v\u1ee3 ch\u1ed3ng c\u00f3 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 nh\u01b0 nhau. Trong c\u00e1c quan h\u1ec7 ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1, h\u00e0nh ch\u00ednh hay h\u00ecnh s\u1ef1, khi c\u1ea7n quy k\u1ebft tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00e0i s\u1ea3n th\u00ec v\u1eabn ph\u1ea3i ph\u00e2n chia c\u1ee5 th\u1ec3 quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a v\u1ee3 ch\u1ed3ng ho\u1eb7c t\u1eebng th\u00e0nh vi\u00ean trong kh\u1ed1i t\u00e0i s\u1ea3n chung, d\u00f9 l\u00e0 s\u1edf h\u1eefu chung h\u1ee3p nh\u1ea5t hay s\u1edf h\u1eefu chung theo ph\u1ea7n. V\u1eady th\u00ec c\u1ea7n \u0111\u1ebfn l\u00fac thay \u0111\u1ed5i theo m\u1ed9t nguy\u00ean t\u1eafc m\u1edbi, ai \u0111\u00e3 \u0111\u1ecbnh \u0111o\u1ea1t ph\u1ea7n t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh, th\u00ec ng\u01b0\u1eddi \u0111\u00f3 ph\u1ea3i ch\u1ecbu ho\u00e0n to\u00e0n tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c \u0111\u00f3, \u00edt nh\u1ea5t l\u00e0 trong m\u1ed9t s\u1ed1 giao d\u1ecbch, trong \u0111\u00f3 c\u00f3 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m.<\/p>\n

2.2.5. Kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i th\u1ec3:<\/p>\n

Doanh nghi\u1ec7p kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, th\u00ec ph\u1ea3i ph\u00e1 s\u1ea3n. \u0110\u00f3 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p \u0111\u00f2i n\u1ee3, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c xo\u00e1 n\u1ee3 t\u1eadp th\u1ec3. Tuy nhi\u00ean, \u0111\u1ec3 x\u1eed l\u00fd xong m\u1ed9t v\u1ee5 ph\u00e1 s\u1ea3n doanh nghi\u1ec7p th\u00ec ph\u1ea3i m\u1ea5t v\u00e0i n\u0103m tr\u1eddi. Ch\u1ee7 n\u1ee3 c\u00f3 th\u1ec3 \u0111\u1ea1t k\u1ebft qu\u1ea3 t\u01b0\u01a1ng t\u1ef1 nh\u01b0ng \u0111\u01a1n gi\u1ea3n, nhanh g\u1ecdn h\u01a1n nhi\u1ec1u b\u1eb1ng c\u00e1ch \u0111\u1ec3 cho con n\u1ee3 gi\u1ea3i th\u1ec3 v\u00e0 c\u00f9ng chia nhau s\u1ed1 t\u00e0i s\u1ea3n c\u00f2n l\u1ea1i. Tuy nhi\u00ean, Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2005 c\u0169ng nh\u01b0 Lu\u1eadt n\u0103m 2014 s\u1eafp c\u00f3 hi\u1ec7u l\u1ef1c th\u00ec v\u1eabn c\u1ee9 quy \u0111\u1ecbnh c\u1ee9ng: Doanh nghi\u1ec7p mu\u1ed1n gi\u1ea3i th\u1ec3 th\u00ec ph\u1ea3i thanh to\u00e1n \u0111\u1ee7 n\u1ee3 n\u1ea7n. M\u00e0 vi\u1ec7c ch\u1ea5p nh\u1eadn thu m\u1ed9t ph\u1ea7n n\u1ee3, xong r\u1ed3i m\u1edbi xo\u00e1 n\u1ee3, kh\u00e1c nhi\u1ec1u v\u1edbi vi\u1ec7c th\u1eeba nh\u1eadn con n\u1ee3 \u0111\u00e3 thanh to\u00e1n h\u1ebft n\u1ee3 (trong khi ch\u01b0a thu \u0111\u01b0\u1ee3c) \u0111\u1ec3 gi\u1ea3i th\u1ec3 \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

2.2.6. Thu\u1ebf VAT:<\/p>\n

Vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 5, \u0110i\u1ec1u <\/a>58 v\u1ec1 \u201cNguy\u00ean t\u1eafc x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP: \u00a0\u201cVi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i n\u1ee3 kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh t\u00e0i s\u1ea3n c\u1ee7a b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m.<\/em>\u201d. V\u00ec v\u1eady, trong nhi\u1ec1u n\u0103m, vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c mi\u1ec5n n\u1ed9p thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (VAT). Nh\u01b0ng ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh th\u00ec r\u1ea5t ph\u1ee9c t\u1ea1p v\u00e0 m\u00e2u thu\u1eabn v\u00e0 k\u1ebft c\u1ee5c l\u00e0 lo\u1ea1i b\u1ecf nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng. C\u1ee5 th\u1ec3 lu\u1eadt, ngh\u1ecb \u0111\u1ecbnh v\u00e0 th\u00f4ng t\u01b0 quy \u0111\u1ecbnh nh\u01b0 sau:<\/p>\n

\u0110i\u1ec1u 5 v\u1ec1 \u201c\u0110\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ch\u1ecbu thu\u1ebf\u201d, Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng n\u0103m 2008, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2013, th\u00ec ch\u1ec9 quy \u0111\u1ecbnh lo\u1ea1i tr\u1eeb vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a VAMC l\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng, t\u1ee9c l\u00e0 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c th\u00ec v\u1eabn ph\u1ea3i ch\u1ecbu thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng.<\/p>\n

\u0110\u1ebfn \u0110i\u1ec1u 3 v\u1ec1 \u201c\u0110\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ch\u1ecbu thu\u1ebf\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 209\/2013\/N\u0110-CP ng\u00e0y 18-12-2013 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \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 Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng\u201d th\u00ec l\u1ea1i h\u01b0\u1edbng d\u1eabn: B\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng (\u0111i\u1ec1u n\u00e0y l\u00e0 kh\u00f4ng \u0111\u00fang), n\u00ean kh\u00f4ng ph\u1ea3i ch\u1ecbu thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng.<\/p>\n

Tuy nhi\u00ean \u0111i\u1ec3m a, kho\u1ea3n 8, \u0110i\u1ec1u 4 v\u1ec1 \u201c\u0110\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ch\u1ecbu thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng\u201d, Th\u00f4ng t\u01b0 s\u1ed1 219\/2013\/TT-BTC ng\u00e0y 31-12-2013 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh \u201cH\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 209\/2013\/N\u0110-CP ng\u00e0y 18-12-2013 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 Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng\u201d th\u00ec l\u1ea1i quy \u0111\u1ecbnh, ch\u1ec9 mi\u1ec5n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng trong tr\u01b0\u1eddng h\u1ee3p \u201cB\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1eb7c do c\u01a1 quan thi h\u00e0nh \u00e1n th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay<\/em>\u201d. T\u1ee9c l\u00e0 doanh nghi\u1ec7p hay b\u00ean c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00e1c b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec v\u1eabn ph\u1ea3i ch\u1ecbu thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng. Trong khi, th\u1ef1c t\u1ebf cho th\u1ea5y, b\u00ean c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m k\u00fd h\u1ee3p \u0111\u1ed3ng, ho\u00e1 \u0111\u01a1n, ch\u1ee9ng t\u1eeb b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec thu\u1eadn l\u1ee3i h\u01a1n nhi\u1ec1u so v\u1edbi b\u00ean TCTD b\u00e1n t\u00e0i s\u1ea3n. N\u1ebfu b\u00ean c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m b\u00e1n t\u00e0i s\u1ea3n, th\u00ec vi\u1ec7c n\u1ed9p thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng thu\u1ed9c v\u1ec1 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean c\u00f3 t\u00e0i s\u1ea3n ph\u1ea3i b\u00e1n. Tuy nhi\u00ean \u0111a s\u1ed1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, th\u00ec th\u01b0\u1eddng kh\u00f4ng thu h\u1ed3i \u0111\u1ee7 n\u1ee3, th\u1eadm ch\u00ed ch\u1ec9 l\u00e0 n\u1ee3 g\u1ed1c, cho TCTD. Do \u0111\u00f3, n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c mi\u1ec5n lo\u1ea1i thu\u1ebf n\u00e0y, th\u00ec vi\u1ec7c thu h\u1ed3i n\u1ee3 qua b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u0169ng th\u01b0\u1eddng b\u1ecb hao h\u1ee5t th\u00eam ch\u1eebng 10%.<\/p>\n

2.2.7. Ph\u00ed thi h\u00e0nh \u00e1n:<\/p>\n

\u0110i\u1ec1u 60 v\u1ec1 \u201cPh\u00ed thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1\u201d, Lu\u1eadt Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 n\u0103m 2006 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.\u201d V\u00e0 kho\u1ea3n 1, \u0110i\u1ec1u 33 v\u1ec1 \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\u00a0 58\/2009\/N\u0110-CP ng\u00e0y 13-7-2009 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \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\u201d \u0111\u00e3 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. T\u1ee9c l\u00e0 v\u1ec1 h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n s\u1ebd b\u1ecb thi\u1ebfu h\u1ee5t 3% c\u1ee7a t\u1ed5ng s\u1ed1 n\u1ee3 \u0111\u1ec3 n\u1ed9p ph\u00ed thi h\u00e0nh \u00e1n. X\u00e9t v\u1ec1 chi\u1ebft l\u00fd, \u0111\u00e2y l\u00e0 m\u1ed9t lo\u1ea1i ph\u00ed m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n ph\u1ea3i g\u00e1nh \u201coan\u201d cho ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n.<\/p>\n

2.2.8. Chi ph\u00ed x\u1eed l\u00fd:<\/p>\n

\u0110i\u1ec3m \u0111, kho\u1ea3n 1, \u0110i\u1ec1u 6 v\u1ec1 \u201cQu\u1ea3n l\u00fd chi ph\u00ed\u201d Th\u00f4ng t\u01b0 s\u1ed1 05\/2013\/TT-BTC ng\u00e0y 09-01-2013 c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh \u201cH\u01b0\u1edbng d\u1eabn ch\u1ebf \u0111\u1ed9 t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i\u201d quy \u0111\u1ecbnh: \u201c\u0110\u1ed1i v\u1edbi kho\u1ea3n chi m\u00f4i gi\u1edbi \u0111\u1ec3 cho thu\u00ea t\u00e0i s\u1ea3n (bao g\u1ed3m c\u1ea3 t\u00e0i s\u1ea3n xi\u1ebft n\u1ee3, g\u00e1n n\u1ee3): m\u1ee9c chi m\u00f4i gi\u1edbi \u0111\u1ec3 cho thu\u00ea t\u00e0i s\u1ea3n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 5% t\u1ed5ng s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb ho\u1ea1t \u0111\u1ed9ng cho thu\u00ea t\u00e0i s\u1ea3n do m\u00f4i gi\u1edbi mang l\u1ea1i trong n\u0103m<\/em>.\u201d v\u00e0 \u201c\u0110\u1ed1i v\u1edbi kho\u1ea3n chi m\u00f4i gi\u1edbi b\u00e1n t\u00e0i s\u1ea3n ch\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1: m\u1ee9c chi hoa h\u1ed3ng m\u00f4i gi\u1edbi b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 1% gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf thu \u0111\u01b0\u1ee3c t\u1eeb ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n qua m\u00f4i gi\u1edbi<\/em>.\u201d Gi\u1edbi h\u1ea1n n\u00e0y gi\u1ed1ng nh\u01b0 ki\u1ec3u chi ph\u00ed qu\u1ea3ng c\u00e1o, khuy\u1ebfn m\u1ea1i,\u2026 v\u00f4 l\u00fd kh\u00f4ng qu\u00e1 15% m\u1edbi b\u1ecb b\u00e3i b\u1ecf. Chi th\u00ec ph\u1ea3i c\u00f3 ho\u00e1 \u0111\u01a1n, ch\u1ee9ng t\u1eeb h\u1ee3p ph\u00e1p, \u0111\u1ed3ng th\u1eddi ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng th\u00ec ph\u1ea3i n\u1ed9p thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng v\u00e0 thu\u1ebf thu nh\u1eadp (doanh nghi\u1ec7p ho\u1eb7c c\u00e1 nh\u00e2n), c\u00f3 khi l\u00ean t\u1edbi 35%. V\u1eady sao ph\u1ea3i gi\u1edbi h\u1ea1n qu\u00e1 ch\u1eb7t ch\u1ebd, c\u1ee5 th\u1ec3 h\u00e0ng ch\u1ee5c n\u0103m nay \u0111\u1ed1i v\u1edbi c\u1ea3 TCTD nh\u00e0 n\u01b0\u1edbc c\u0169ng nh\u01b0 TCTD c\u1ed5 ph\u1ea7n, t\u01b0 nh\u00e2n, g\u00e2y kh\u00f3 cho vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u?<\/p>\n

3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea3n tr\u1edf ph\u00e1p l\u00fd do \u00e1p d\u1ee5ng sai lu\u1eadt:<\/p>\n

3.1.\u00a0\u00a0\u00a0 \u00c1p d\u1ee5ng lu\u1eadt c\u0169:<\/p>\n

Theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch v\u00e0 th\u1ec3 hi\u1ec7n r\u00f5 trong Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP; Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 83\/2010\/N\u0110-CP ng\u00e0y 23-7-2010 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u0110\u0103ng k\u00fd 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 05\/2012\/N\u0110-CP ng\u00e0y 02-02-2012) v\u00e0 nhi\u1ec1u v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c, th\u00ec t\u1eeb th\u1eddi \u0111i\u1ec3m B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0o 01-7-2006, ch\u1ec9 c\u00f3 giao d\u1ecbch th\u1ebf ch\u1ea5p, kh\u00f4ng c\u00f2n giao d\u1ecbch b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t nh\u01b0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 v\u00e0 Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003. Tuy nhi\u00ean, h\u1ec7 th\u1ed1ng To\u00e0 \u00e1n \u0111ang hi\u1ec3u sai m\u1ed9t c\u00e1ch tr\u1ea7m tr\u1ecdng r\u1eb1ng, quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a ng\u01b0\u1eddi th\u1ee9 3 \u0111\u01b0a v\u00e0o th\u1ebf ch\u1ea5p cho c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng th\u00ec v\u1eabn ph\u1ea3i g\u1ecdi l\u00e0 b\u1ea3o l\u00e3nh. V\u00ec v\u1eady, To\u00e0 \u0111\u00e3 tuy\u00ean m\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a ng\u01b0\u1eddi th\u1ee9 3 l\u00e0 v\u00f4 hi\u1ec7u v\u00e0 v\u1eabn ki\u00ean quy\u1ebft b\u1ea3o v\u1ec7 quan \u0111i\u1ec3m n\u00e0y. Ngay c\u1ea3 tr\u01b0\u1eddng h\u1ee3p t\u1eeb \u201cb\u1ea3o l\u00e3nh\u201d b\u1ecb s\u1eed d\u1ee5ng nh\u1ea7m th\u00e0nh \u201cth\u1ebf ch\u1ea5p\u201d, th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 m\u00e1y m\u00f3c ph\u1ee7 nh\u1eadn ho\u00e0n to\u00e0n v\u1edbi \u00fd ch\u00ed c\u1ee7a c\u00e1c b\u00ean, tr\u00e1i v\u1edbi b\u1ea3n ch\u1ea5t c\u1ee7a giao d\u1ecbch v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3 h\u1ec7 th\u1ed1ng c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c, \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u00f4ng nh\u1eadn m\u1ed9t c\u00e1ch r\u1ea5t \u0111\u00fang lu\u1eadt.<\/p>\n

3.2.\u00a0\u00a0\u00a0 Hi\u1ec3u tr\u00e1i ng\u01b0\u1ee3c lu\u1eadt:<\/p>\n

M\u1ed9t s\u1ed1 To\u00e0 \u00e1n \u0111\u00e3 s\u1ed5 to\u1eb9t h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p k\u00fd 3 b\u00ean, gi\u1eefa ng\u00e2n h\u00e0ng v\u1edbi b\u00ean vay v\u00e0 b\u00ean th\u1ebf ch\u1ea5p, n\u1ebfu nh\u01b0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n b\u00ean vay v\u1ed1n l\u00e0 doanh nghi\u1ec7p \u0111\u1ed3ng th\u1eddi l\u00e0 ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. To\u00e0 cho r\u1eb1ng tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a doanh nghi\u1ec7p d\u00f9ng t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 cho doanh nghi\u1ec7p do m\u00ecnh \u0111\u1ea1i di\u1ec7n \u0111\u1ec3 vay v\u1ed1n l\u00e0 tr\u00e1i ph\u00e1p lu\u1eadt v\u00e0 do \u0111\u00f3 tuy\u00ean h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u. Nh\u01b0 v\u1eady l\u00e0 ch\u1ec9 c\u0103n c\u1ee9 v\u00e0o b\u1ec1 m\u1eb7t c\u00e2u ch\u1eef gi\u1ea3n \u0111\u01a1n, hi\u1ec3u ng\u01b0\u1ee3c tinh th\u1ea7n c\u1ee7a \u0111i\u1ec1u lu\u1eadt, tr\u00e1i h\u1eb3n v\u1edbi b\u1ea3n ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1.<\/p>\n

N\u1ebfu nh\u01b0 th\u1eadt s\u1ef1 c\u00f3 s\u1ef1 xung \u0111\u1ed9t l\u1ee3i \u00edch theo quy \u0111\u1ecbnh c\u1ee7a kho\u1ea3n 5, \u0110i\u1ec1u 144 v\u1ec1 \u201c<\/a>Ph\u1ea1m vi \u0111\u1ea1i di\u1ec7n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 r\u1eb1ng \u201c5. Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n<\/em> 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, th\u00ec c\u0169ng ch\u01b0a ch\u1eafc \u0111\u00e3 b\u1ecb v\u00f4 hi\u1ec7u, v\u00ec khi \u0111\u00f3 Lu\u1eadt Doanh nghi\u1ec7p \u0111\u00e3 cho ph\u00e9p ho\u00e1 gi\u1ea3i \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p giao d\u1ecbch gi\u1eefa c\u00f4ng ty v\u1edbi ng\u01b0\u1eddi c\u00f3 li\u00ean quan t\u1ea1i c\u00e1c \u0111i\u1ec1u: <\/a><\/a>\u0110i\u1ec1u 59 v\u00e8 \u201cH\u1ee3p \u0111\u1ed3ng, giao d\u1ecbch ph\u1ea3i \u0111\u01b0\u1ee3c H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean ch\u1ea5p thu\u1eadn\u201d, <\/a><\/a><\/a>\u0110i\u1ec1u 75 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng, giao d\u1ecbch c\u1ee7a c\u00f4ng ty v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 li\u00ean quan\u201d, <\/a><\/a>\u0110i\u1ec1u 120 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng, giao d\u1ecbch ph\u1ea3i \u0111\u01b0\u1ee3c \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng ho\u1eb7c H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb ch\u1ea5p thu\u1eadn\u201d.<\/p>\n

C\u00f2n trong tr\u01b0\u1eddng h\u1ee3p \u0111ang d\u1ec1 c\u1eadp, th\u00ec vi\u1ec7c m\u1ed9t ng\u01b0\u1eddi k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi 2 t\u01b0 c\u00e1ch, kh\u00f4ng nh\u1eefng kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec tr\u00e1i lu\u1eadt, m\u1edd \u00e1m, l\u1ea1m d\u1ee5ng, xung \u0111\u1ed9t l\u1ee3i \u00edch, m\u00e0 c\u00f2n gi\u00fap cho giao d\u1ecbch gi\u1eefa c\u00e1c b\u00ean li\u00ean quan r\u00f5 r\u00e0ng h\u01a1n, minh b\u1ea1ch h\u01a1n, ch\u1eb7t ch\u1ebd h\u01a1n, kh\u00e1ch quan h\u01a1n, to\u00e0n di\u1ec7n h\u01a1n, h\u1ee3p l\u00fd h\u01a1n. Ng\u01b0\u1eddi ta \u0111\u00e3 b\u1ebb cong m\u1ed9t quy \u0111\u1ecbnh \u0111\u00fang \u0111\u1eafn nh\u1eb1m tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n tr\u1ee5c l\u1ee3i t\u1eeb giao d\u1ecbch c\u00f3 nguy c\u01a1 g\u00e2y thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u0111\u1ea1i di\u1ec7n. \u0110\u00e2y l\u00e0 m\u1ed9t trong h\u00e0ng ch\u1ee5c n\u1ed7i hi\u1ec3m nguy \u201coan u\u1ed5ng\u201d c\u1ee7a c\u00e1c TCTD. H\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m ng\u00e0n t\u1ef7 \u0111\u1ed3ng cho vay c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng n\u1ebfu c\u1ee9 x\u00e1c \u0111\u1ecbnh \u0111\u00f3 l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u.<\/p>\n

3.3.\u00a0\u00a0\u00a0 N\u1ed7i s\u1ee3 oan sai:<\/p>\n

M\u1ed9t m\u1eb7t, c\u00e1c TCTD mong mu\u1ed1n nhanh ch\u00f3ng kh\u1edfi ki\u1ec7n, ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n, thu h\u1ed3i n\u1ee3, nh\u01b0ng m\u1eb7t kh\u00e1c nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p r\u1ea5t s\u1ee3 vi\u1ec7c \u0111\u1ea9y nhanh k\u1ebft qu\u1ea3 x\u1eed l\u00fd n\u1ee3, v\u00ec\u00a0 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi kh\u1ea3 n\u0103ng kh\u00f4ng thu h\u1ed3i \u0111\u1ee7 v\u1ed1n, l\u00e0 \u0111\u1ed3ng ngh\u0129a v\u1edbi nguy c\u01a1 b\u1ecb h\u00ecnh s\u1ef1 ho\u00e1 quan h\u1ec7 t\u00edn d\u1ee5ng. Tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng l\u00e0 n\u1ea1n nh\u00e2n b\u1ecb l\u1ea1m d\u1ee5ng, l\u1eeba \u0111\u1ea3o, nh\u01b0ng r\u1ed3i l\u1ea1i b\u1ecb quy k\u1ebft l\u00e0 t\u1ed9i ph\u1ea1m vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 cho vay ho\u1eb7c t\u1ed9i ph\u1ea1m c\u1ed1 \u00fd l\u00e0m tr\u00e1i. B\u00e1n h\u1ebft t\u00e0i s\u1ea3n m\u00e0 kh\u00f4ng thu \u0111\u1ee7 n\u1ee3, th\u00ec c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u0111\u1ec1u lo s\u1ee3 b\u1ecb truy t\u1ed9i l\u00e0m th\u1ea5t tho\u00e1t ti\u1ec1n vay, b\u1ea5t lu\u1eadn l\u00fd do g\u00ec. Th\u1ebf l\u00e0 n\u1ea3y sinh t\u00e2m l\u00fd n\u1ea5n n\u00e1 k\u00e9o d\u00e0i ng\u00e0y th\u00e1ng hi\u1ec3n th\u1ecb k\u1ebft qu\u1ea3 t\u1ed5n th\u1ea5t ti\u1ec1n vay.[1]<\/a><\/p>\n

3.4.\u00a0\u00a0\u00a0 K\u00e9o d\u00e0i v\u00f4 h\u1ea1n:<\/p>\n

Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004, th\u1eddi h\u1ea1n gi\u1ea3i quy\u1ebft m\u1ed9t v\u1ee5 \u00e1n t\u1ea1i To\u00e0 \u00e1n l\u00e0 t\u1eeb 2 – 4 th\u00e1ng, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf th\u00ec th\u01b0\u1eddng g\u1ea5p 5 \u2013 10 th\u1eddi h\u1ea1n n\u00e0y. Nh\u1eadn \u0111\u1ecbnh c\u00e1ch \u0111\u00e2y 16 n\u0103m c\u1ee7a \u00f4ng V\u0169 M\u1ea1nh H\u1ed3ng, Ch\u00e1nh To\u00e0 Kinh t\u1ebf, TANDTC \u0111\u01b0\u1ee3c \u0111\u0103ng tr\u00ean B\u00e1o Kinh doanh & Ph\u00e1p lu\u1eadt ng\u00e0y 06-5-1999 \u0111\u1ebfn nay v\u1ea5n h\u1ea7u nh\u01b0 v\u1eabn kh\u00f4ng c\u00f3 g\u00ec bi\u1ebfn chuy\u1ec3n: \u201cTheo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u1eddi h\u1ea1n \u0111\u1ec3 to\u00e0 c\u1ea5p s\u01a1 th\u1ea9m th\u1ee5 l\u00fd m\u1ed9t v\u1ee5 \u00e1n kinh t\u1ebf l\u00e0 2 th\u00e1ng, nh\u1eefng v\u1ee5 ph\u1ee9c t\u1ea1p l\u00e0 4 th\u00e1ng. Tuy nhi\u00ean, kho\u1ea3ng th\u1eddi gian t\u1ed1 t\u1ee5ng \u0111\u01b0\u1ee3c k\u00e9o d\u00e0i v\u00f4 h\u1ea1n \u0111\u1ecbnh. D\u00f9 c\u00f3 ch\u1ee7 \u00fd hay kh\u00f4ng th\u00ec c\u0169ng kh\u00f4ng c\u00f3 ai t\u1eeb ph\u00eda to\u00e0 \u00e1n ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m<\/em>\u201d.<\/p>\n

4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea3n tr\u1edf ph\u00e1p l\u00fd do b\u1ea5t ch\u1ea5p ph\u00e1p lu\u1eadt:<\/p>\n

4.1.\u00a0\u00a0\u00a0 Quy\u1ec1n nh\u01b0ng kh\u00f4ng l\u1ef1c:<\/p>\n

Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u0169ng nh\u01b0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP, th\u00ec B\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c quy\u1ec1n thu gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 x\u1eed l\u00fd thu h\u1ed3i n\u1ee3. Quy\u1ec1n c\u1ee7a b\u00ean n\u00e0y ch\u00ednh l\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean kia. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, ngh\u0129a v\u1ee5 b\u00e0n giao t\u00e0i s\u1ea3n d\u01b0\u1eddng nh\u01b0 b\u1eb1ng kh\u00f4ng. Th\u00edch th\u00ec b\u00e0n giao, th\u00ec k\u00fd gi\u1ea5y t\u1edd, kh\u00f4ng mu\u1ed1n th\u00ec v\u00f4 hi\u1ec7u ho\u00e1 quy\u1ec1n c\u1ee7a b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p. B\u00ean nh\u1eadn th\u1ebf ch\u1ea5p kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p l\u00e0m \u0111i\u1ec1u g\u00ec kh\u00e1c ngo\u00e0i vi\u1ec7c kh\u1edfi ki\u1ec7n v\u00e0 ch\u1edd \u0111\u1ee3i m\u00f2n m\u1ecfi. B\u00ean nh\u1eadn th\u1ebf ch\u1ea5p g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c quy\u1ec1n n\u00e0y tr\u00ean th\u1ef1c t\u1ebf. V\u1ee5 vi\u1ec7c VP Bank ti\u1ebfn h\u00e0nh thu gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 nh\u00e0 \u1edf t\u1ea1i H\u00e0 N\u1ed9i v\u00e0o th\u00e1ng 3-2015 v\u1eeba qua l\u00e0 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh, d\u00f9 \u0111\u00e3 c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 t\u00edch c\u1ef1c, \u0111\u00fang lu\u1eadt c\u1ee7a ch\u00ednh quy\u1ec1n v\u00e0 c\u00f4ng an \u0111\u1ecba ph\u01b0\u01a1ng. C\u00f2n \u0111a s\u1ed1 kh\u00f4ng c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 h\u1ed7 tr\u1ee3 n\u00e0y, th\u00ec quy\u1ec1n thu gi\u1eef c\u00e0ng tr\u1edf l\u00ean xa v\u1eddi.<\/p>\n

<\/a><\/a>4.2.\u00a0\u00a0\u00a0 L\u00fd s\u1ef1 Ch\u00ed ph\u00e8o:<\/p>\n

Kh\u00e1 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 nh\u00e0 \u0111\u1ea5t c\u00f3 s\u1ef1 kh\u00e1c nhau gi\u1eefa hi\u1ec7n tr\u1ea1ng v\u00e0 gi\u1ea5y t\u1edd ph\u00e1p l\u00fd. T\u00ecnh tr\u1ea1ng x\u00e2y m\u1edbi, c\u01a1i n\u1edbi, thay \u0111\u1ed5i c\u00f4ng tr\u00ecnh kh\u00f4ng \u0111\u00fang v\u1edbi gi\u1ea5y ph\u00e9p c\u00f2n ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ef1c t\u1ebf. Vi\u1ec7c \u0111\u00f3 c\u00f3 th\u1ec3 x\u1ea3y ra l\u00e0 tr\u01b0\u1edbc ho\u1eb7c sau th\u1eddi \u0111i\u1ec3m th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n. \u0110\u1eb7c bi\u1ec7t l\u00e0 h\u00e0ng tri\u1ec7u c\u0103n nh\u00e0 \u1edf n\u00f4ng th\u00f4n, ch\u1ec9 c\u00f3 \u201cs\u1ed5 \u0111\u1ecf\u201d, m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ghi nh\u1eadn t\u00e0i s\u1ea3n tr\u00ean \u0111\u1ea5t. Trong khi h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00e0 vi\u1ec7c \u0111\u0103ng k\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec ph\u1ea3i l\u1ec7 thu\u1ed9c ho\u00e0n to\u00e0n v\u00e0o c\u00e1c gi\u1ea5y t\u1edd ph\u00e1p l\u00fd, ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p m\u00f4 t\u1ea3 t\u00e0i s\u1ea3n theo th\u1ef1c t\u1ebf. \u0110\u1ebfn c\u00f4ng \u0111o\u1ea1n ph\u1ea3i ph\u1ea3i x\u1eed t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, th\u00ec r\u1ea5t d\u1ec5 ph\u1ee9c t\u1ea1p tr\u00ean th\u1ef1c t\u1ebf. B\u00ean th\u1ebf ch\u1ea5p \u00e1p d\u1ee5ng lu\u1eadt Ch\u00ed ph\u00e8o, cho r\u1eb1ng kh\u00f4ng th\u1ebf ch\u1ea5p ph\u1ea7n t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u01b0\u1ee3c ghi nh\u1eadn r\u00f5 tr\u00ean s\u1ed5 \u0111\u1ecf c\u0169ng nh\u01b0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, cho d\u00f9 h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 tho\u1ea3 thu\u1eadn r\u00f5 r\u00e0ng: T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p bao g\u1ed3m c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng (b\u1ed5 sung, n\u00e2ng c\u1ea5p, c\u1ea3i t\u1ea1o, s\u1eeda ch\u1eefa) \u0111\u00e3 v\u00e0 s\u1ebd x\u00e2y d\u1ef1ng trong t\u01b0\u01a1ng lai g\u1eafn li\u1ec1n v\u1edbi nh\u00e0 \u0111\u1ea5t th\u1ebf ch\u1ea5p. C\u00e1c TCTD \u0111i\u00eau \u0111\u1ee9ng, kh\u1ed1n kh\u1ed5 v\u1ec1 \u0111i\u1ec1u v\u00f4 l\u00fd n\u00e0y.<\/p>\n

4.1.\u00a0\u00a0\u00a0 K\u1ebb th\u1ee9 ba ph\u00e1:<\/p>\n

B\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u00e3 l\u00e0m h\u1ebft l\u00fd v\u00e0 h\u1ebft c\u00e1ch, nh\u01b0 \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng c\u00f4ng ch\u1ee9ng, \u0111\u00e3 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, \u0111\u00e3 gi\u1eef gi\u1ea5y t\u1edd s\u1edf h\u1eefu c\u1ee7a t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, nh\u01b0ng nhi\u1ec1u khi v\u1eabn thua \u0111au. N\u1ebfu nh\u01b0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u1ea1i xu\u1ea5t hi\u1ec7n ng\u01b0\u1eddi th\u1ee9 ba \u0111ang thu\u00ea, \u0111ang chi\u1ebfm gi\u1eef tr\u00ean th\u1ef1c t\u1ebf, k\u1ec3 c\u1ea3 \u201c\u0111\u00f3ng \u0111\u00f4\u201d, h\u1ee3p ph\u00e1p hay b\u1ea5t h\u1ee3p ph\u00e1p ki\u1ec3u b\u1eaft n\u1ee3, \u0103n v\u1ea1, b\u1eaft b\u00ed, th\u00ec c\u0169ng lu\u00f4n tr\u1edf th\u00e0nh \u0111\u1ed1i th\u1ee7 n\u1eb7ng k\u00fd tranh gi\u00e0nh quy\u1ec1n l\u1ee3i ngang ng\u1eeda v\u1edbi c\u00e1c TCTD. N\u1ebfu ng\u01b0\u1eddi thu\u00ea \u0111\u00e3 tr\u1ea3 \u0111\u1ea7u t\u01b0, c\u1ea3i t\u1ea1o, s\u1eeda ch\u1eefa b\u1ea5t \u0111\u1ed9ng s\u1ea3n thu\u00ea ho\u1eb7c \u0111\u00e3 tr\u1ea3 tr\u01b0\u1edbc ti\u1ec1n thu\u00ea, th\u00ec quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a c\u00e1c TCTD s\u1ebd r\u1ea5t lung lay. B\u00ean th\u1ee9 3 c\u00e0ng c\u00e0ng \u0111\u1ea7u t\u01b0 nhi\u1ec1u ti\u1ec1n, c\u00e0ng tr\u1ea3 ti\u1ec1n tr\u01b0\u1edbc nhi\u1ec1u th\u1eddi gian, th\u00ec quy\u1ec1n c\u1ee7a TCTD c\u00e0ng h\u1ea1n ch\u1ebf, th\u1eadm ch\u00ed g\u1ea7n nh\u01b0 b\u1ecb m\u1ea5t \u0111i.<\/p>\n

4.3.\u00a0\u00a0\u00a0 Con n\u1ee3 nh\u1edfn nh\u01a1:<\/p>\n

N\u1ebfu To\u00e0 \u0111\u00e3 d\u1ef1ng \u0111\u01b0\u1ee3c b\u1ed9 h\u1ed3 s\u01a1 v\u1ee5 \u00e1n \u0111\u00f2i n\u1ee3 h\u00f2m h\u00f2m, th\u00ec con n\u1ee3 \u0111\u1eebng h\u00f2ng gi\u1edf b\u00e0i b\u1ecf tr\u1ed1n, v\u1eafng m\u1eb7t, gi\u1ea5u \u0111\u1ecba ch\u1ec9, v\u00ec Lu\u1eadt cho ph\u00e9p To\u00e0 x\u1eed v\u1eafng m\u1eb7t \u0111\u01b0\u01a1ng s\u1ef1. Tuy nhi\u00ean, v\u1ea1n s\u1ef1 kh\u1edfi \u0111\u1ea7u nan, n\u1ebfu con n\u1ee3 tr\u1ed1n tr\u00e1nh t\u1eeb \u0111\u1ea7u, th\u00ec ng\u00e2n h\u00e0ng, c\u00f4ng an, to\u00e0 \u00e1n, vi\u1ec7n ki\u1ec3m s\u00e1t, ch\u1eb3ng l\u00e0m g\u00ec n\u1ed5i. Nguy c\u01a1 r\u1ea5t cao l\u00e0 To\u00e0 \u00e1n s\u1ebd kh\u00f4ng th\u1ee5 l\u00fd, tr\u1ea3 l\u1ea1i \u0111\u01a1n kh\u1edfi ki\u1ec7n hay t\u1ea1m \u0111\u00ecnh ch\u1ec9 v\u1ee5 ki\u1ec7n v\u00f4 th\u1eddi h\u1ea1n. Ng\u00e0y nay, c\u0169ng kh\u00f4ng d\u1ec5 g\u00ec \u0111\u00f2i n\u1ee3 theo c\u00e1ch \u201ch\u00ecnh s\u1ef1 ho\u00e1\u201d quan h\u1ec7 kinh t\u1ebf, d\u00e2n s\u1ef1 nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y. Ph\u00e1p lu\u1eadt \u0111ang b\u00f3 tay v\u1edbi v\u1ee5 \u00e1n c\u00f3 th\u1ec3 b\u1ecb k\u00e9o d\u00e0i v\u00f4 \u0111\u1ecbnh. N\u1ebfu m\u1ed9t v\u1ee5 vi\u1ec7c, ngo\u00e0i b\u00ean vay c\u00f2n b\u00ean th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh, th\u00ec t\u00ecnh h\u00ecnh c\u00f2n bi \u0111\u00e1t h\u01a1n n\u1eefa.<\/p>\n

Th\u1eadm ch\u00ed, ph\u00e1p lu\u1eadt, v\u1edbi h\u1ebft ngh\u1ecb \u0111\u1ecbnh n\u00e0y \u0111\u1ebfn th\u00f4ng t\u01b0 kia, long tr\u1ecdng g\u1ecdi \u201ccon n\u1ee3\u201d l\u00e0 \u201ckh\u00e1ch n\u1ee3\u201d, th\u00ec kh\u00e1c n\u00e0o y\u00eau c\u1ea7u ch\u1ee7 n\u1ee3 ph\u1ea3i \u0111\u1ed1i \u0111\u00e3i con n\u1ee3 nh\u01b0 kh\u00e1ch? Ch\u1ec9 c\u00f3 \u0111\u00e3i kh\u00e1ch ch\u1ee9 l\u00e0m gi c\u00f3 \u0111\u00f2i kh\u00e1ch?<\/p>\n

5.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 B\u00ecnh lu\u1eadn k\u1ebft th\u00fac:<\/p>\n

5.1.\u00a0\u00a0\u00a0 Nguy c\u01a1 n\u1ee3 x\u1ea5u:<\/p>\n

N\u1ee3 x\u1ea5u l\u00e0 m\u1ed9t lo\u1ea1i h\u00e0ng ho\u00e1 t\u1ed3n kho, \u1ee9 \u0111\u1ecdng \u0111\u1eb7c bi\u1ec7t, m\u00e0 n\u00f3i nh\u01b0 d\u00e2n d\u00e3 l\u00e0 kh\u00f4ng ai mu\u1ed1n \u00f4m c\u1ee5c n\u1ee3. Mu\u1ed1n x\u1eed l\u00fd n\u1ee3 x\u1ea5u hi\u1ec7u qu\u1ea3 th\u00ec c\u1ea7n ph\u1ea3i c\u00f3 th\u1ecb tr\u01b0\u1eddng. Tr\u01b0\u1edbc \u0111\u00e2y \u0111\u00e3 kh\u00f4ng c\u00f3 ho\u1eb7c n\u00f3i \u0111\u00fang h\u01a1n l\u00e0 th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 ch\u1ee7 y\u1ebfu l\u00e0 l\u00f2ng v\u00f2ng, b\u1eaft tay nhau x\u1eed l\u00fd v\u1ec1 k\u1ef9 thu\u1eadt. \u0110\u1ebfn nay v\u1eabn g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3. Th\u1ecb tr\u01b0\u1eddng s\u1ea3n xu\u1ea5t kinh doanh n\u00f3i chung, th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u00f3i ri\u00eang c\u00f2n trong c\u01a1n \u1ed1m y\u1ebfu, n\u00ean ch\u01b0a t\u1ea1o c\u1eeda cho th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3. Nh\u00e0 \u0111\u1ea7u t\u01b0 trong n\u01b0\u1edbc th\u00ec suy ki\u1ec7t, kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh. Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i c\u0169ng ch\u01b0a nh\u00ecn th\u1ea5y t\u01b0\u01a1ng lai c\u1ee7a th\u1ecb tr\u01b0\u1eddng m\u00e0 ch\u1ec9 th\u1ea5y h\u1ec7 th\u1ed1ng r\u00e0o c\u1ea3n \u0111\u1ed1i v\u1edbi x\u1eed l\u00fd n\u1ee3 x\u1ea5u. K\u1ebft qu\u1ea3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u1eabn r\u1ea5t t\u1ed1t, n\u1ebfu nh\u00ecn tr\u00ean nh\u1eefng con s\u1ed1. Con s\u1ed1 l\u00e0 th\u1eadt, nh\u01b0ng k\u1ebft qu\u00e1 x\u1eed l\u00fd th\u00ec ch\u1ee7 y\u1ebfu m\u1edbi ch\u1ec9 l\u00e0 tr\u00ean s\u1ed5 s\u00e1ch. Nguy c\u01a1 r\u1ea5t l\u1edbn cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u1ea3 n\u1ec1n kinh t\u1ebf v\u1eabn c\u00f2n \u0111\u00f3.<\/p>\n

5.2.\u00a0\u00a0\u00a0 Ph\u00e1p lu\u1eadt b\u1ea5t c\u1eadp:<\/p>\n

\u01af\u1edbc l\u01b0\u1ee3ng kh\u00f4ng d\u01b0\u1edbi 70% r\u00e0o c\u1ea3n x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 do v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd. Lu\u1eadt th\u00ec ch\u1ec9 c\u00f3 lo\u00e1ng tho\u00e1ng m\u1ed9t v\u00e0i \u00fd. C\u00f2n bao nhi\u00eau ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 tr\u1ef1c ti\u1ebfp \u0111i\u1ec1u ch\u1ec9nh vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u0169ng kh\u00f4ng v\u01b0\u1ee3t n\u1ed5i c\u00e1c ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 li\u00ean quan, ch\u1ee9 ch\u01b0a n\u00f3i g\u00ec \u0111\u1ebfn m\u00e2u thu\u1eabn, v\u01b0\u1edbng m\u1eafc v\u1edbi h\u00e0ng ch\u1ee5c \u0111\u1ea1o lu\u1eadt c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd cao h\u01a1n. V\u00ec v\u1eady, \u0111\u1ec3 th\u00e1o g\u1ee1 xung \u0111\u1ed9t, th\u1eadm ch\u00ed l\u00e0 b\u1ebf t\u1eafc trong m\u1ed9t r\u1eebng lu\u1eadt hi\u1ec7n nay, th\u00ec c\u1ea7n ph\u1ea3i c\u00f3 m\u1ed9t \u0111\u1ea1o lu\u1eadt x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Cu\u1ed9c kh\u1ee7ng ho\u1ea3ng ng\u00e2n h\u00e0ng l\u1ea7n tr\u01b0\u1edbc, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u00e3 t\u1eebng ph\u1ea3i d\u1ef1a v\u00e0o \u201cb\u1ea3o b\u1ed1i\u201d l\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 149\/2001\/Q\u0110-TTg ng\u00e0y 05-10-2001 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 Ph\u00ea duy\u1ec7t \u0110\u1ec1 \u00e1n c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Tr\u01b0\u1edbc ch\u1ec9 c\u1ea7n quy\u1ebft \u0111\u1ecbnh, nh\u01b0ng b\u00e2y gi\u1edd th\u00ec ph\u1ea3i l\u00e0 lu\u1eadt. Tr\u01b0\u1edbc l\u00e0 v\u0103n b\u1ea3n ph\u00e1p quy b\u00ed m\u1eadt th\u00ec nay c\u1ea7n ph\u1ea3i l\u00e0 lu\u1eadt c\u00f4ng khai.<\/p>\n

5.3.\u00a0\u00a0\u00a0 Quan \u0111i\u1ec3m ph\u00e1p l\u00fd:<\/p>\n

\u0110\u00e3 \u0111\u1ebfn l\u00fac lu\u1eadt ph\u00e1p v\u00e0 h\u00e0nh ph\u00e1p ph\u1ea3i xoay chi\u1ec1u cho ph\u00f9 h\u1ee3p v\u1edbi nguy\u00ean l\u00fd c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng. \u0110\u00f3 l\u00e0, ph\u1ea3i \u01b0u ti\u00ean tr\u01b0\u1edbc h\u1ebft b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ch\u1ee7 n\u1ee3 thay v\u00ec con n\u1ee3, t\u1ee9c b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu tr\u1ecdn v\u1eb9n l\u00e0 \u0111\u1ed3ng ti\u1ec1n cho vay, thay v\u00ec b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu h\u1ea1n ch\u1ebf l\u00e0 \u0111\u1ed3ng ti\u1ec1n \u0111i vay hay t\u00e0i s\u1ea3n \u0111\u00e3 \u0111\u01b0a v\u00e0o b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. \u0110i\u1ec1u n\u00e0y c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c c\u1ee5 th\u1ec3 ho\u00e1 trong c\u00e1c \u0111\u1ea1o lu\u1eadt li\u00ean quan \u0111\u1ebfn quan h\u1ec7 vay n\u1ee3, th\u1ebf ch\u1ea5p v\u00e0 x\u1eed l\u00fd h\u1ec7 qu\u1ea3 ph\u00e1p l\u00fd.<\/p>\n

—————————–<\/em><\/p>\n

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

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

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

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

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

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

 <\/p>\n

[1]<\/a> \u00a0 Xem b\u00e0i \u201cCo\u0301 hay kh\u00f4ng vi\u00ea\u0323c h\u00ecnh s\u1ef1 ho\u00e1 trong li\u0303nh v\u01b0\u0323c ng\u00e2n ha\u0300ng va\u0300 nh\u01b0\u0303ng bi\u00ea\u0323n pha\u0301p tha\u0301o g\u01a1\u0303\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, T\u1ea1p ch\u00ed Ph\u00e1p l\u00fd ng\u00e0y 02-10-2014: http:\/\/phaply.net.vn\/dien-dan\/co-hay-khong-vie%CC%A3c-hinh-su-hoa-trong-li%CC%83nh-vu%CC%A3c-ngan-hang-va-nhu%CC%83ng-bie%CC%A3n-phap-thao-go%CC%83-bai-1.html<\/p>\n

\u201cN\u1ee3 x\u1ea5u s\u1ebd c\u00e0ng x\u1ea5u n\u1ebfu h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng ng\u00e0y 24-10-2014: http:\/\/thoibaonganhang.vn\/tin-tuc\/2-no-xau-se-cang-xau-neu-hinh-su-hoa-quan-he-tin-dung-26402.html<\/a>.","protected":false},"excerpt":{"rendered":"

(ANVI) – H\u1ed9i th\u1ea3o \u201cGi\u1ea3m tr\u1eeb v\u00e0 gi\u1ea3i quy\u1ebft n\u1ee3 x\u1ea5u 2015\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\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 12-6-2015\u00a0 d\u01b0\u1edbi g\u00f3c nh\u00ecn ph\u00e1p l\u00fd\u201d \u2013 H\u1ed9i Lu\u1eadt gia VN   V\u01b0\u1edbng m\u1eafc l\u1edbn nh\u1ea5t g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng ch\u00ednh l\u00e0 s\u1ef1 c\u1ea3n tr\u1edf ph\u00e1p l\u00fd, v\u1edbi 4 nh\u00f3m nh\u01b0 sau: C\u1ea3n […]<\/p>\n","protected":false},"author":7,"featured_media":6158,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n246. C\u1ea3n tr\u1edf ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. - 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\/246-can-tro-phap-ly-doi-voi-viec-xu-ly-no-xau\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]246. C\u1ea3n tr\u1edf ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. 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