{"id":6321,"date":"2015-10-06T10:23:35","date_gmt":"2015-10-06T03:23:35","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6321"},"modified":"2022-02-15T06:33:47","modified_gmt":"2022-02-14T23:33:47","slug":"251-giai-phap-hanh-dong-xu-ly-no-xau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/251-giai-phap-hanh-dong-xu-ly-no-xau\/","title":{"rendered":"251. Gi\u1ea3i ph\u00e1p &#038; h\u00e0nh \u0111\u1ed9ng x\u1eed l\u00fd n\u1ee3 x\u1ea5u."},"content":{"rendered":"<strong><em>(ANVI) &#8211; H\u1ed9i th\u1ea3o X\u1eed l\u00fd n\u1ee3 x\u1ea5u \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 06-10-2015\u00a0\u00a0\u00a0\u00a0 <\/em><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o \u201c\u0110\u00e1nh gi\u00e1 k\u1ebft qu\u1ea3 t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u\u00a0\u2013 Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf v\u00e0 th\u1ef1c ti\u1ec5n Vi\u1ec7t Nam\u201d\u00a0(do Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf, \u0110\u1ea1i h\u1ecdc Qu\u1ed1c gia H\u00e0 N\u1ed9i t\u1ed5 ch\u1ee9c)<\/p>\n<p><strong><em>C\u00f3 th\u1ec3 n\u00f3i, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u trong ng\u00e0nh Ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f3 1 y\u00eau c\u1ea7u, nh\u01b0ng bao g\u1ed3m 4 nh\u00f3m gi\u1ea3i ph\u00e1p v\u00e0 8 nh\u00f3m h\u00e0nh \u0111\u1ed9ng th\u1ef1c ti\u1ec5n, \u0111ang v\u1ea5p ph\u1ea3i r\u1ea5t nhi\u1ec1u s\u1ef1 nh\u1ea7m l\u1eabn, b\u1ea5t c\u1eadp, kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd.<\/em><\/strong><\/p>\n<ol>\n<li><strong>M\u1ed9t y\u00eau c\u1ea7u x\u1eed l\u00fd n\u1ee3 x\u1ea5u:<\/strong><\/li>\n<\/ol>\n<p>1.1. N\u1ee3 x\u1ea5u (NPL) \u0111ang n\u1eb1m trong ng\u00e0nh Ng\u00e2n h\u00e0ng chi\u1ebfm ph\u1ea7n l\u1edbn n\u1ee3 x\u1ea5u c\u1ee7a c\u1ea3 n\u1ec1n kinh t\u1ebf. Y\u00eau c\u1ea7u x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 m\u1ed9t vi\u1ec7c l\u00e0m c\u1ea7n thi\u1ebft v\u00e0 hi\u1ec7n nay v\u1eabn \u0111ang l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ea5p b\u00e1ch. Theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 02\/2013\/TT-NHNN\u00a0ng\u00e0y 21-01-2013\u00a0c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u201cQuy \u0111\u1ecbnh v\u1ec1 ph\u00e2n lo\u1ea1i t\u00e0i s\u1ea3n c\u00f3, m\u1ee9c tr\u00edch, ph\u01b0\u01a1ng ph\u00e1p tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro v\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a\u00a0t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i\u201d (d\u01b0\u1edbi \u0111\u00e2y g\u1ecdi chung l\u00e0 ng\u00e2n h\u00e0ng), th\u00ec n\u1ee3 qu\u00e1 h\u1ea1n l\u00e0 kho\u1ea3n n\u1ee3 m\u00e0 m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 n\u1ee3 g\u1ed1c v\u00e0 ho\u1eb7c l\u00e3i \u0111\u00e3 qu\u00e1 h\u1ea1n. C\u00f2n n\u1ee3 x\u1ea5u l\u00e0 n\u1ee3 qu\u00e1 h\u1ea1n v\u00e0 c\u1ea3 trong h\u1ea1n thu\u1ed9c c\u00e1c nh\u00f3m 3, 4 v\u00e0 5 nh\u01b0 sau:<\/p>\n<p><em>N\u1ee3 nh\u00f3m 3:<\/em> L\u00e0 n\u1ee3 d\u01b0\u1edbi ti\u00eau chu\u1ea9n, g\u1ed3m 6 tr\u01b0\u1eddng h\u1ee3p, trong \u0111\u00f3 \u0111i\u1ec3n h\u00ecnh l\u00e0 n\u1ee3 \u0111\u00e3 qu\u00e1 h\u1ea1n t\u1eeb 91 ng\u00e0y \u0111\u1ebfn 180 ng\u00e0y v\u00e0 n\u1ee3 ch\u01b0a qu\u00e1 h\u1ea1n nh\u01b0ng \u0111\u00e3 \u0111\u01b0\u1ee3c gia h\u1ea1n l\u1ea7n \u0111\u1ea7u;<\/p>\n<p><em>N\u1ee3 nh\u00f3m 4:<\/em> L\u00e0 n\u1ee3 nghi ng\u1edd, g\u1ed3m 6 tr\u01b0\u1eddng h\u1ee3p, trong \u0111\u00f3 \u0111i\u1ec3n h\u00ecnh l\u00e0 n\u1ee3 \u0111\u00e3 qu\u00e1 h\u1ea1n t\u1eeb 181 ng\u00e0y \u0111\u1ebfn 360 ng\u00e0y v\u00e0 n\u1ee3 ch\u01b0a qu\u00e1 h\u1ea1n nh\u01b0ng \u0111\u00e3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n th\u1ee9 hai;<\/p>\n<p><em>N\u1ee3 nh\u00f3m 5:<\/em> L\u00e0 n\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n, g\u1ed3m 8 tr\u01b0\u1eddng h\u1ee3p, trong \u0111\u00f3 \u0111i\u1ec3n h\u00ecnh l\u00e0 n\u1ee3 \u0111\u00e3 qu\u00e1 h\u1ea1n tr\u00ean 360 ng\u00e0y v\u00e0 n\u1ee3 ch\u01b0a qu\u00e1 h\u1ea1n nh\u01b0ng \u0111\u00e3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n th\u1ee9 ba tr\u1edf l\u00ean.<\/p>\n<p>1.2. Khi n\u00f3i \u0111\u1ebfn vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 \u00e1m ch\u1ec9 vi\u1ec7c x\u1eed l\u00fd c\u00e1c kho\u1ea3n n\u1ee3 v\u1eeba x\u1ea5u v\u1eeba qu\u00e1 h\u1ea1n, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u n\u00f3i chung. Vi\u1ec7c x\u1eed l\u00fd n\u1ee3 \u0111\u1ebfn h\u1ea1n l\u00e0 m\u1ed9t n\u1eeda t\u1ea5t y\u1ebfu c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay; vi\u1ec7c x\u1eed l\u00fd n\u1ee3 qu\u00e1 h\u1ea1n l\u00e0 vi\u1ec7c quan tr\u1ecdng ngang v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay v\u00e0 vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 vi\u1ec7c quan tr\u1ecdng h\u01a1n c\u1ea3 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng. \u0110\u1ec3 ng\u00e2n h\u00e0ng x\u1ea3y ra nhi\u1ec1u n\u1ee3 x\u1ea5u, l\u00e0 m\u1ed9t s\u1ef1 y\u1ebfu k\u00e9m c\u1ee7a n\u1ec1n kinh t\u1ebf. Ch\u1eadm x\u1eed l\u00fd n\u1ee3 x\u1ea5u l\u00e0 m\u1ed9t s\u1ef1 nguy hi\u1ec3m \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf. Kh\u00f4ng m\u1ea1nh d\u1ea1n x\u1eed l\u00fd n\u1ee3 x\u1ea5u, l\u00e0 m\u1ed9t s\u1ef1 sai l\u1ea7m trong n\u1ec1n kinh t\u1ebf. \u0110\u1eb7c bi\u1ec7t th\u1ef1c ch\u1ea5t, n\u1ee3 x\u1ea5u t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf con s\u1ed1 d\u01b0\u1edbi 3% \u0111ang n\u1eb1m trong c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n<ol start=\"2\">\n<li><strong>B\u1ed1n nh\u00f3m gi\u1ea3i ph\u00e1p x\u1eed l\u00fd n\u1ee3 x\u1ea5u:<\/strong><\/li>\n<\/ol>\n<p>2.1. Tr\u00ec ho\u00e3n n\u1ee3:<\/p>\n<p>\u0110\u00e2y l\u00e0 nh\u00f3m gi\u1ea3i ph\u00e1p x\u1eed l\u00fd n\u1ee3 t\u1ea1m th\u1eddi, th\u00f4ng qua vi\u1ec7c c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3, gia h\u1ea1n n\u1ee3, khoanh n\u1ee3; chuy\u1ec3n giao n\u1ee3 cho C\u00f4ng ty Qu\u1ea3n l\u00fd v\u00e0 x\u1eed l\u00fd n\u1ee3 (AMC) c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng m\u00ecnh; b\u00e1n n\u1ee3 t\u1ea1m th\u1eddi (mua b\u00e1n trong m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh) cho ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n kh\u00e1c; b\u00e1n n\u1ee3 kh\u00f4ng \u0111\u1ee9t \u0111o\u1ea1n (ch\u01b0a thu h\u1ed3i \u0111\u01b0\u1ee3c ti\u1ec1n ngay v\u00e0 v\u1eabn ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 kho\u1ea3n n\u1ee3) cho C\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (VAMC); hay c\u00f2n g\u1ecdi l\u00e0 vi\u1ec7c \u0111\u1ea3o n\u1ee3, gi\u00e3n n\u1ee3, ho\u00e3n n\u1ee3, gom n\u1ee3, nh\u1ed1t n\u1ee3, c\u00f4 l\u1eadp n\u1ee3, ch\u1ebf bi\u1ebfn n\u1ee3, d\u1eebng thu n\u1ee3, bao v\u00e2y n\u1ee3, phong to\u1ea3 n\u1ee3, \u0111\u00f3ng b\u0103ng n\u1ee3,&#8230;<\/p>\n<p>Nh\u00f3m gi\u1ea3i ph\u00e1p n\u00e0y ch\u1ec9 \u0111\u1ea9y l\u00f9i th\u1eddi \u0111i\u1ec3m n\u1ee3 (trong h\u1ea1n v\u00e0 qu\u00e1 h\u1ea1n) b\u1ecb bi\u1ebfn th\u00e0nh n\u1ee3 x\u1ea5u, l\u00e0 x\u1eed l\u00fd nh\u01b0ng kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3, kh\u00f4ng thay \u0111\u1ed5i s\u1ed1 n\u1ee3 (kh\u00f4ng l\u00e0m t\u0103ng, gi\u1ea3m c\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 n\u1ee3 l\u00e3i, ngo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p khoanh n\u1ee3 \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c d\u1eebng t\u00ednh v\u00e0 thu l\u00e3i). Vi\u1ec7c b\u00e1n n\u1ee3 r\u1ea5t th\u00e0nh c\u00f4ng cho VAMC trong th\u1eddi gian qua ch\u1ee7 y\u1ebfu thu\u1ed9c v\u1ec1 nh\u00f3m gi\u1ea3i ph\u00e1p n\u00e0y, th\u00f4ng qua vi\u1ec7c h\u1ea1ch to\u00e1n lo\u1ea1i tr\u1eeb m\u1ed9t ph\u1ea7n hay to\u00e0n b\u1ed9 kho\u1ea3n n\u1ee3 kh\u1ecfi s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n.<\/p>\n<p>2.2. Gi\u1ea3m tr\u1eeb n\u1ee3:<\/p>\n<p>\u0110\u00e2y c\u0169ng l\u00e0 nh\u00f3m gi\u1ea3i ph\u00e1p h\u1ea1ch to\u00e1n lo\u1ea1i tr\u1eeb m\u1ed9t ph\u1ea7n hay to\u00e0n b\u1ed9 kho\u1ea3n n\u1ee3 kh\u1ecfi s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n, th\u00f4ng qua vi\u1ec7c mi\u1ec5n gi\u1ea3m n\u1ee3 g\u1ed1c, n\u1ee3 l\u00e3i, ph\u00ed, ti\u1ec1n ph\u1ea1t v\u00e0 s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng t\u00edn d\u1ee5ng (\u0111\u1ec3 gi\u1ea3m n\u1ee3 g\u1ed1c), hay c\u00f2n g\u1ecdi l\u00e0 gi\u1ea3m n\u1ee3, b\u1edbt n\u1ee3, mi\u1ec5n n\u1ee3, xo\u00e1 n\u1ee3.<\/p>\n<p>Nh\u00f3m gi\u1ea3i ph\u00e1p n\u00e0y c\u0169ng kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3, m\u00e0 ch\u1ec9 l\u00e0 vi\u1ec7c g\u1ea1t b\u1ecf n\u1ee3, \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c t\u0103ng chi ph\u00ed, gi\u1ea3m l\u00e3i, l\u00e0 nh\u1eadn ph\u1ea7n thi\u1ec7t h\u1ea1i v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng. Tr\u01b0\u1eddng h\u1ee3p v\u1eabn ti\u1ebfp t\u1ee5c thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3 sau \u0111\u00f3, th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng h\u1ea1ch to\u00e1n v\u00e0o kho\u1ea3n thu n\u1ee3 t\u00edn d\u1ee5ng, m\u00e0 s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o kho\u1ea3n thu nh\u1eadp kh\u00e1c.<\/p>\n<p>2.3. B\u00f9 tr\u1eeb n\u1ee3:<\/p>\n<p>\u0110\u00e2y l\u00e0 nh\u00f3m gi\u1ea3i ph\u00e1p b\u00f9 tr\u1eeb ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 gi\u1eefa c\u00e1c b\u00ean v\u1edbi nhau, th\u00f4ng qua vi\u1ec7c \u201cnh\u1eadn ch\u00ednh t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thay th\u1ebf cho vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5\u201d tr\u1ea3 n\u1ee3, hay c\u00f2n g\u1ecdi l\u00e0 vi\u1ec7c \u0111\u1ed1i tr\u1eeb, kh\u1ea5u tr\u1eeb, c\u1ea5n tr\u1eeb n\u1ee3. T\u00e0i s\u1ea3n \u0111\u1ec3 b\u00f9 tr\u1eeb ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u00f3 th\u1ec3 l\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay ho\u1eb7c t\u00e0i s\u1ea3n kh\u00e1c c\u1ee7a ng\u01b0\u1eddi vay, t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi b\u1ea3o \u0111\u1ea3m ho\u1eb7c c\u1ee7a ng\u01b0\u1eddi kh\u00e1c. M\u1ed9t d\u1ea1ng n\u1eefa c\u0169ng c\u00f3 th\u1ec3 g\u1ecdi l\u00e0 b\u00f9 tr\u1eeb n\u1ee3, \u0111\u00f3 l\u00e0 vi\u1ec7c chuy\u1ec3n kho\u1ea3n n\u1ee3 th\u00e0nh c\u1ed5 ph\u1ea7n (t\u1ea1i c\u00f4ng ty c\u1ed5 ph\u1ea7n) ho\u1eb7c ph\u1ea7n v\u1ed1n g\u00f3p (t\u1ea1i c\u00f4ng ty TNHH) c\u1ee7a ch\u00ednh c\u00f4ng ty m\u1eafc n\u1ee3.<\/p>\n<p>Nh\u00f3m gi\u1ea3i ph\u00e1p n\u00e0y kh\u00f4ng tr\u1ef1c ti\u1ebfp m\u00e0 l\u00e0 gi\u00e1n ti\u1ebfp thu h\u1ed3i n\u1ee3, b\u1eb1ng c\u00e1ch lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c n\u1ee3 x\u1ea5u t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi s\u1ed1 n\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c b\u00f9 tr\u1eeb. Tr\u01b0\u1eddng h\u1ee3p sau n\u00e0y ng\u00e2n h\u00e0ng b\u00e1n ho\u1eb7c \u00a0h\u01b0\u1edfng l\u1ee3i t\u1eeb t\u00e0i s\u1ea3n, c\u1ed5 ph\u1ea7n, ph\u1ea7n v\u1ed1n g\u00f3p nh\u1eadn b\u00f9 tr\u1eeb n\u1ee3, m\u00e0 thu \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n \u00edt h\u01a1n s\u1ed1 n\u1ee3 \u0111\u00e3 b\u00f9 tr\u1eeb, th\u00ec coi nh\u01b0 l\u00e0 kho\u1ea3n l\u1ed7, kho\u1ea3n \u0111\u1ea7u t\u01b0 kh\u00f4ng hi\u1ec7u qu\u1ea3 \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng mua b\u00e1n t\u00e0i s\u1ea3n hay \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<p>2.4. Thu h\u1ed3i n\u1ee3:<\/p>\n<p>\u0110\u00e2y l\u00e0 nh\u00f3m gi\u1ea3i ph\u00e1p thu h\u1ed3i s\u1ed1 ti\u1ec1n \u0111\u00e3 cho vay, g\u1ed3m thu ti\u1ec1n tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay ho\u1eb7c thu ti\u1ec1n tr\u1ea3 n\u1ee3 t\u1eeb ng\u01b0\u1eddi kh\u00e1c; thu h\u1ed3i n\u1ee3 t\u1eeb vi\u1ec7c b\u00e1n h\u1eb3n n\u1ee3 (b\u00e1n \u0111\u1ee9t \u0111o\u1ea1n, kh\u00f4ng mua l\u1ea1i) cho C\u00f4ng ty TNHH Mua b\u00e1n n\u1ee3 Vi\u1ec7t Nam (DATC) c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, VAMC, c\u00e1c ng\u00e2n h\u00e0ng, AMC c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c, c\u00f4ng ty mua b\u00e1n n\u1ee3 kh\u00f4ng ph\u1ea3i c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n kh\u00e1c; thu h\u1ed3i n\u1ee3 t\u1eeb ti\u1ec1n khai th\u00e1c, s\u1eed d\u1ee5ng, cho thu\u00ea v\u00e0 ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; thu h\u1ed3i n\u1ee3 th\u00f4ng qua vi\u1ec7c thanh l\u00fd t\u00e0i s\u1ea3n khi gi\u1ea3i th\u1ec3, ph\u00e1 s\u1ea3n doanh nghi\u1ec7p.<\/p>\n<p>Vi\u1ec7c x\u1eed l\u00fd n\u1ee3 theo c\u00e1c gi\u1ea3i ph\u00e1p thu h\u1ed3i n\u1ee3 n\u00e0y l\u00e0 x\u1eed l\u00fd n\u1ee3 th\u1eadt s\u1ef1, tri\u1ec7t \u0111\u1ec3, thu h\u1ed3i \u0111\u01b0\u1ee3c ti\u1ec1n th\u1eadt v\u00e0 x\u1eed l\u00fd \u0111\u01b0\u1ee3c ho\u00e0n to\u00e0n, d\u1ee9t \u0111i\u1ec3m (to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n) n\u1ee3 x\u1ea5u.<\/p>\n<p>2.5. Nh\u1eadn x\u00e9t v\u1ec1 c\u00e1c gi\u1ea3i ph\u00e1p:<\/p>\n<p>B\u1ed1n nh\u00f3m gi\u1ea3i ph\u00e1p x\u1eed l\u00fd n\u1ee3 x\u1ea5u n\u00f3i tr\u00ean, v\u1eeba l\u00e0 gi\u1ea3i ph\u00e1p kinh t\u1ebf, v\u1eeba l\u00e0 gi\u1ea3i ph\u00e1p ph\u00e1p l\u00fd. \u0110\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c 4 nh\u00f3m gi\u1ea3i ph\u00e1p x\u1eed l\u00fd n\u1ee3 x\u1ea5u n\u00f3i tr\u00ean, ph\u1ea3i th\u1ef1c hi\u1ec7n \u00edt nh\u1ea5t 8 h\u00e0nh \u0111\u1ed9ng. Ch\u1ee7 n\u1ee3 l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc \u0111\u1ec3 v\u01b0\u1ee3t qua \u0111\u01b0\u1ee3c c\u00e1c quy \u0111\u1ecbnh, th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd v\u00e0 \u0111\u00e1ng ti\u1ebfc l\u00e0 trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kh\u00f4ng c\u00f3 l\u1ed1i tho\u00e1t.<\/p>\n<ol start=\"3\">\n<li><strong>T\u00e1m nh\u00f3m h\u00e0nh \u0111\u1ed9ng x\u1eed l\u00fd n\u1ee3 x\u1ea5u:<\/strong><\/li>\n<\/ol>\n<p>3.1. X\u00e1c minh th\u00f4ng tin t\u00e0i s\u1ea3n:<\/p>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt t\u00edn d\u1ee5ng, th\u00ec ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n x\u00e1c minh, \u0111\u00e1nh gi\u00e1, ki\u1ec3m tra c\u00e1c th\u00f4ng tin v\u1ec1 ho\u1ea1t \u0111\u1ed9ng, v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c c\u1ee7a con n\u1ee3, \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh gi\u1ea3i ph\u00e1p x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Vi\u1ec7c n\u00e0y kh\u00e1 thu\u1eadn l\u1ee3i tr\u01b0\u1edbc khi gi\u1ea3i ng\u00e2n v\u00e0 khi con n\u1ee3 c\u00f2n mu\u1ed1n h\u1ee3p t\u00e1c v\u1edbi ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, n\u1ebfu nh\u01b0 n\u1ee3 x\u1ea5u \u0111\u00e3 x\u1ea3y ra m\u00e0 con n\u1ee3 v\u00e0 ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng mu\u1ed1n h\u1ee3p t\u00e1c, th\u00ec ng\u00e2n h\u00e0ng c\u0169ng g\u1ea7n nh\u01b0 b\u1ea5t l\u1ef1c.<\/p>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, th\u00ec giao d\u1ecbch b\u1ea3o \u0111\u1ea3m ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd v\u00e0 c\u00f4ng khai \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro cho c\u00e1c b\u00ean li\u00ean quan. Tuy nhi\u00ean, th\u1eadt kh\u00f3 x\u00e1c minh th\u00f4ng tin n\u00f3i chung, th\u00f4ng tin v\u1ec1 t\u00e0i kho\u1ea3n v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a con n\u1ee3 n\u00f3i ri\u00eang. V\u00ec, theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 6 v\u1ec1 \u201cB\u1ea3o v\u1ec7 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u201d, Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u0103m 2010, th\u00ec \u201c<em>Ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m an to\u00e0n, b\u00ed m\u1eadt th\u00f4ng tin c\u1ee7a m\u00ecnh khi tham gia giao d\u1ecbch, s\u1eed d\u1ee5ng h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n y\u00eau c\u1ea7u<\/em>.\u201d V\u00e0 theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, <a name=\"_Toc265570094\"><\/a><a name=\"_Toc265569606\"><\/a><a name=\"_Toc265567069\"><\/a><a name=\"_Toc265566950\"><\/a>\u0110i\u1ec1u 14 v\u1ec1 \u201cB\u1ea3o m\u1eadt th\u00f4ng tin\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010, th\u00ec \u201c<em>T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng \u0111\u01b0\u1ee3c cung c\u1ea5p th\u00f4ng tin li\u00ean quan \u0111\u1ebfn t\u00e0i kho\u1ea3n, ti\u1ec1n g\u1eedi, t\u00e0i s\u1ea3n g\u1eedi, c\u00e1c giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i cho t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ho\u1eb7c \u0111\u01b0\u1ee3c s\u1ef1 ch\u1ea5p thu\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng<\/em>.\u201d (theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2007, th\u00ec ch\u1ec9 ph\u1ea3i b\u1ea3o m\u1eadt \u201cth\u00f4ng tin li\u00ean quan \u0111\u1ebfn ti\u1ec1n g\u1eedi, t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng\u201d).<\/p>\n<p>M\u1ea5y n\u0103m tr\u01b0\u1edbc, HD Bank \u0111\u00e3 t\u1eebng \u0111\u0103ng m\u1ed9t th\u00f4ng b\u00e1o cho th\u1ea5y n\u1ed7i b\u1ea5t l\u1ef1c c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u00f3 l\u00e0, ai cung c\u1ea5p \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 2 chi\u1ebfc xe \u00f4 t\u00f4 th\u1ebf ch\u1ea5p, s\u1ebd \u0111\u01b0\u1ee3c th\u01b0\u1edfng 50 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n<p>Ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh cho c\u00e1c c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n n\u00f3i chung, cho c\u00e1c ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang v\u1ec1 quy\u1ec1n \u0111\u01b0\u1ee3c x\u00e1c minh th\u00f4ng tin v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c c\u1ee7a con n\u1ee3. Th\u1eadm ch\u00ed ph\u00e1p lu\u1eadt tuy kh\u00f4ng quy \u0111\u1ecbnh c\u1ea5m, nh\u01b0ng l\u00e2u nay v\u1eabn \u201cki\u00eang k\u1ef5\u201d \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111i\u1ec1u tra d\u00e2n s\u1ef1.<\/p>\n<p>3.2. K\u00ea bi\u00ean, thu gi\u1eef t\u00e0i s\u1ea3n:<\/p>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, th\u00ec ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n k\u00ea bi\u00ean, ni\u00eam phong, thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng h\u01b0 h\u1ecfng, th\u1ea5t tho\u00e1t, x\u00e2m ph\u1ea1m \u0111\u1ebfn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c thu h\u1ed3i n\u1ee3. Tuy nhi\u00ean, n\u1ebfu con n\u1ee3 ho\u1eb7c ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng h\u1ee3p t\u00e1c, th\u00ec quy\u1ec1n \u0111\u00f3 c\u00f3 nguy c\u01a1 b\u1ecb ch\u1eb7n \u0111\u1ee9ng v\u00e0 bu\u1ed9c ph\u1ea3i chuy\u1ec3n sang con \u0111\u01b0\u1eddng kh\u1edfi ki\u1ec7n t\u1ea1i To\u00e0 \u00e1n ho\u1eb7c Tr\u1ecdng t\u00e0i theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<p>Nh\u00e0 \u1edf l\u00e0 lo\u1ea1i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 gi\u00e1 tr\u1ecb v\u00e0 ph\u1ed5 bi\u1ebfn nh\u1ea5t, nh\u01b0ng vi\u1ec7c thu gi\u1eef c\u0169ng kh\u00f3 kh\u0103n nh\u1ea5t, n\u1ebfu nh\u01b0 kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ed3ng \u00fd v\u00e0 h\u1ee3p t\u00e1c. Lu\u1eadt b\u1ea5t th\u00e0nh v\u0103n l\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i lo thay ch\u1ed7 \u1edf cho ch\u1ee7 nh\u00e0, ph\u1ea3i di chuy\u1ec3n, b\u1ea3o qu\u1ea3n an to\u00e0n m\u1ecdi th\u1ee9 t\u00e0i s\u1ea3n, ch\u1ee9 kh\u00f4ng th\u1ec3 \u0111\u1ea9y ra \u0111\u01b0\u1eddng (m\u1eb7c d\u00f9 ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh \u0111\u00f3 l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng).<\/p>\n<p>Ph\u00e1p lu\u1eadt cho ph\u00e9p m\u1ed9t t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i nhi\u1ec1u n\u01a1i v\u00e0 quy\u1ec1n \u01b0u ti\u00ean thanh to\u00e1n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo th\u1ee9 t\u1ef1 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y ch\u1ec9 \u0111\u00fang v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c c\u00f3 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu, c\u00f2n \u0111\u1ed1i v\u1edbi h\u00e0ng ho\u00e1 v\u00e0 c\u00e1c t\u00e0i s\u1ea3n c\u00f2n l\u1ea1i, th\u00ec th\u1ee9 t\u1ef1 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3 ngh\u0129a l\u00fd g\u00ec n\u1ebfu ng\u00e2n h\u00e0ng kh\u00f4ng tr\u1ef1c ti\u1ebfp chi ph\u1ed1i, n\u1eafm gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. \u0110i\u1ec1u \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c minh ch\u1ee9ng qua m\u1ed9t lo\u1ea1t v\u1ee5 vi\u1ec7c tranh ch\u1ea5p h\u00e0ng ho\u00e1 l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u1edbi nhau t\u1ea1i m\u1ed9t lo\u1ea1t c\u00f4ng ty b\u1ecb v\u1ee1 n\u1ee3 nh\u01b0: \u00c2u M\u1ef9 (H\u00e0 N\u1ed9i), Tr\u01b0\u1eddng Phong (Th\u00e1i B\u00ecnh), S\u00f4ng H\u1ed3ng (Ph\u00fa th\u1ecd), Th\u00e1i B\u1ea3o (Qu\u1ea3ng Tr\u1ecb), An Khang (C\u1ea7n Th\u01a1), C\u00f4ng Ch\u00ednh (L\u00e2m \u0110\u1ed3ng), Tr\u01b0\u1eddng Ng\u00e2n (B\u00ecnh D\u01b0\u01a1ng), Th\u00e1i S\u01a1n (H\u1ea3i Ph\u00f2ng), Ph\u01b0\u01a1ng Nam (S\u00f3c Tr\u0103ng),\u2026<\/p>\n<p>N\u1ebfu c\u01a1 quan ph\u00e1p lu\u1eadt ti\u1ebfn h\u00e0nh phong to\u1ea3, k\u00ea bi\u00ean, ni\u00eam phong, thu gi\u1eef t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec nh\u1eefng ng\u01b0\u1eddi li\u00ean quan bu\u1ed9c ph\u1ea3i ch\u1ea5p h\u00e0nh (vi ph\u1ea1m s\u1ebd b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh \u00a0ho\u1eb7c h\u00ecnh s\u1ef1). Ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 quy\u1ec1n \u0111\u00f3, nh\u01b0ng n\u1ebfu con n\u1ee3 v\u00e0 ch\u1ee7 t\u00e0i s\u1ea3n vi ph\u1ea1m th\u00ec l\u1ea1i tr\u1edf th\u00e0nh \u201cho\u00e0 c\u1ea3 l\u00e0ng\u201d.<\/p>\n<p>3.3. Phong to\u1ea3, kh\u1ea5u tr\u1eeb t\u00e0i kho\u1ea3n:<\/p>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng v\u1ec1 qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n, th\u00ec ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n phong to\u1ea3, kh\u1ea5u t\u1eeb ti\u1ec1n trong t\u00e0i kho\u1ea3n c\u1ee7a con n\u1ee3 t\u1ea1i ch\u00ednh ng\u00e2n h\u00e0ng m\u00ecnh v\u00e0 t\u1ea1i ng\u00e2n h\u00e0ng kh\u00e1c (n\u1ebfu c\u00f3 tho\u1ea3 thu\u1eadn) \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Tuy nhi\u00ean, n\u1ebfu con n\u1ee3 kh\u00f4ng mu\u1ed1n tr\u1ea3 n\u1ee3, th\u00ec h\u1ecd l\u1eadp t\u1ee9c m\u1edf nhi\u1ec1u t\u00e0i kho\u1ea3n \u1edf ng\u00e2n h\u00e0ng kh\u00e1c. V\u1ec1 l\u00fd thuy\u1ebft, th\u00ec ng\u00e2n h\u00e0ng n\u00e0y v\u1eabn c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng kh\u00e1c kh\u1ea5u tr\u1eeb t\u00e0i kho\u1ea3n, nh\u01b0ng g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c tr\u00ean th\u1ef1c t\u1ebf, v\u00ec ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng ph\u1ea3i b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. Kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt b\u1eaft ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u201cnh\u1edd v\u1ea3\u201d ph\u1ea3i l\u00e0m vi\u1ec7c \u0111\u00f3, n\u1ebfu kh\u00f4ng c\u00f3 quy\u1ebft \u0111\u1ecbnh c\u1ee7a quan c\u00f3 th\u1ea9m quy\u1ec1n.<\/p>\n<p>Th\u1eadm ch\u00ed ngay c\u1ea3 tr\u01b0\u1eddng h\u1ee3p, c\u01a1 quan ph\u00e1p lu\u1eadt ti\u1ebfn h\u00e0nh phong to\u1ea3 t\u00e0i kho\u1ea3n, th\u00ec c\u0169ng d\u1ec5 d\u00e0ng b\u1ecb \u0111\u01a1n v\u1ecb qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n cho \u201cleo c\u00e2y\u201d. V\u00ec th\u1eddi bu\u1ed5i c\u00f4ng ngh\u1ec7 hi\u1ec7n nay, ch\u1ec9 trong v\u00e0i gi\u00e2y l\u00e0 c\u00f3 th\u1ec3 chuy\u1ec3n ti\u1ec1n kh\u1ecfi t\u00e0i kho\u1ea3n tr\u01b0\u1edbc khi l\u1ec7nh phong to\u1ea3 \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn \u0111\u1ecba ch\u1ec9 c\u1ea7n thi\u1ebft. C\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea1m lu\u1eadt, v\u00ec ph\u00e1p lu\u1eadt ch\u1ec9 quy \u0111\u1ecbnh ph\u1ea3i ch\u1ea5p h\u00e0nh l\u1ec7nh phong to\u1ea3 c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng c\u1ea5m th\u1ef1c hi\u1ec7n giao d\u1ecbch khi m\u1edbi c\u00f3 y\u00eau c\u1ea7u x\u00e1c minh hay cung c\u1ea5p th\u00f4ng tin t\u00e0i kho\u1ea3n. Th\u1eadm ch\u00ed theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 n\u0103m 2008 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2014), th\u00ec Quy\u1ebft \u0111\u1ecbnh c\u1ee7a To\u00e0 \u00e1n v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p kh\u1ea9n c\u1ea5p t\u1ea1m th\u1eddi phong to\u1ea3 t\u00e0i kho\u1ea3n c\u00f3 \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn ng\u00e2n h\u00e0ng th\u00ec c\u0169ng ch\u01b0a c\u00f3 gi\u00e1 tr\u1ecb thi h\u00e0nh, m\u00e0 ph\u1ea3i th\u00f4ng qua th\u1ee7 t\u1ee5c c\u1ee7a c\u01a1 quan thi h\u00e0nh \u00e1n. V\u00e0 ph\u00e1p lu\u1eadt c\u0169ng kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh phong to\u1ea3 \u201ctr\u1ecdn g\u00f3i\u201d m\u1ecdi t\u00e0i kho\u1ea3n, m\u1ecdi giao d\u1ecbch, n\u00ean khi b\u1ecb ch\u1eb7n t\u00e0i kho\u1ea3n n\u00e0y th\u00ec con n\u1ee3 v\u1eabn d\u1ec5 d\u00e0ng giao d\u1ecbch h\u1ee3p ph\u00e1p qua nhi\u1ec1u t\u00e0i kho\u1ea3n kh\u00e1c ho\u1eb7c b\u1eb1ng ti\u1ec1n m\u1eb7t.<\/p>\n<p>3.4. Khai th\u00e1c, s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n:<\/p>\n<p>Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 ph\u00e1p lu\u1eadt giao d\u1ecbch b\u1ea3o \u0111\u1ea3m cho ph\u00e9p ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n n\u1eafm gi\u1eef, qu\u1ea3n l\u00fd, khai th\u00e1c, s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Tuy nhi\u00ean, theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u<a name=\"_Toc265570198\"><\/a><a name=\"_Toc265569710\"><\/a> 90 v\u1ec1 \u201cPh\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c ph\u00e9p c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010, th\u00ec \u201c<em>T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh b\u1ea5t k\u1ef3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o ngo\u00e0i c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c ghi trong Gi\u1ea5y ph\u00e9p \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/em>.\u201d N\u1ebfu ng\u00e2n h\u00e0ng thu gi\u1eef \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 m\u1ed9t con t\u00e0u, to\u00e0 nh\u00e0 hay kh\u00e1ch s\u1ea1n, m\u00e0 khai th\u00e1c con t\u00e0u \u1ea5y th\u00ec kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng kinh doanh v\u1eadn t\u1ea3i, cho thu\u00ea kh\u00e1ch s\u1ea1n th\u00ec kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng kinh doanh l\u01b0u tr\u00fa du l\u1ecbch, cho thu\u00ea to\u00e0 nh\u00e0 th\u00ec kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n. V\u1ec1 nguy\u00ean t\u1eafc, ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng v\u1eadn t\u1ea3i hay cho thu\u00ea ph\u00f2ng ngh\u1ec9, t\u00e0i s\u1ea3n. C\u00e1c ho\u1ea1t \u0111\u1ed9ng n\u00e0y c\u0169ng kh\u00f4ng n\u1eb1m trong 3 tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 \u0111\u01b0\u1ee3c ph\u00e9p kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n theo quy \u0111\u1ecbnh t\u1ea1i <a name=\"_Toc265570258\"><\/a><a name=\"_Toc265569770\"><\/a>\u0110i\u1ec1u 132 v\u1ec1 \u201cKinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010. K\u1ec3 c\u1ea3 vi\u1ec7c ng\u00e2n h\u00e0ng khai th\u00e1c th\u00f4ng qua h\u1ee3p \u0111\u1ed3ng u\u1ef7 th\u00e1c hay h\u1ee3p t\u00e1c kinh doanh, th\u00ec c\u0169ng v\u1eabn c\u00f3 th\u1ec3 b\u1ecb quy k\u1ebft l\u00e0 tr\u00e1i ph\u00e1p lu\u1eadt, v\u00ec v\u1eabn l\u00e0 kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng.<\/p>\n<p>3.5. Ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/p>\n<p>Ph\u00e1p lu\u1eadt giao d\u1ecbch b\u1ea3o \u0111\u1ea3m cho ph\u00e9p ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n t\u1ef1 b\u00e1n, u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c b\u00e1n ho\u1eb7c th\u00f4ng qua t\u1ed5 ch\u1ee9c b\u00e1n \u0111\u1ea5u gi\u00e1 \u0111\u1ec3 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 nh\u00e0 \u0111\u1ea5t, th\u00ec ph\u1ea3i c\u00f3 s\u1ef1 \u201c\u0111\u1ed3ng l\u00f2ng\u201d c\u1ee7a m\u1ea5y \u0111\u1ed1i t\u01b0\u1ee3ng: Ch\u1ee7 t\u00e0i s\u1ea3n, c\u00e1c c\u01a1 quan \u0111\u1ea5u gi\u00e1, c\u00f4ng ch\u1ee9ng v\u00e0 qu\u1ea3n l\u00fd nh\u00e0 \u0111\u1ea5t. Ch\u1ec9 c\u1ea7n m\u1ed9t \u201cm\u1eaft x\u00edch\u201d l\u1eafc \u0111\u1ea7u, th\u00ec c\u0169ng \u00e1ch t\u1eafc. N\u1ebfu ch\u1ee7 t\u00e0i s\u1ea3n kh\u00f4ng k\u00fd v\u00e0 c\u0169ng kh\u00f4ng u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c k\u00fd h\u1ee3p \u0111\u1ed3ng b\u00e1n \u0111\u1ea5u gi\u00e1, th\u00ec ph\u00e1p lu\u1eadt c\u0169ng \u0111\u00e3 ch\u1ec9 r\u00f5 l\u00e0 v\u1eabn c\u00f3 th\u1ec3 ph\u00e1t m\u1ea1i d\u1ef1a v\u00e0o tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, ch\u1ec9 qua m\u1ed9t v\u00ed d\u1ee5 d\u01b0\u1edbi \u0111\u00e2y, \u0111\u00e3 cho th\u1ea5y, quy\u1ec1n ph\u00e1t m\u1ea1i nh\u00e0 \u0111\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 h\u1ebft s\u1ee9c gian nan.<\/p>\n<p>\u0110\u00f3 l\u00e0 m\u1ed9t v\u1ee5 vi\u1ec7c ph\u1ea3i x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 nh\u00e0 \u0111\u1ea5t \u0111\u1ec3 thu h\u1ed3i tr\u00ean 5,5 t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u, \u1edf huy\u1ec7n Thanh Tr\u00ec, H\u00e0 N\u1ed9i m\u00e0 tr\u01b0\u1edbc \u0111\u00f3 kh\u00e1ch h\u00e0ng \u0111\u00e3 vay v\u1ed1n kinh doanh v\u00e0 trong 2 n\u0103m 2009 \u2013 2010, \u0111\u00e3 th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ea5t 4 l\u1ea7n, t\u1ea1i 3 ng\u00e2n h\u00e0ng. Th\u00e1ng 11-2010, ng\u00e2n h\u00e0ng v\u00e0 ch\u1ee7 s\u1edf h\u1eefu \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p nh\u00e0 \u1edf \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho ch\u00ednh ch\u1ee7 s\u1edf h\u1eefu (\u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p h\u1ee3p ph\u00e1p). Ngo\u00e0i ra, hai b\u00ean c\u00f2n k\u00fd th\u00eam h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n (t\u1ea1i V\u0103n ph\u00f2ng C\u00f4ng ch\u1ee9ng) cho Ng\u00e2n h\u00e0ng b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Th\u00e1ng 12-2013, ng\u00e2n h\u00e0ng \u0111\u00e3 th\u00f4ng b\u00e1o thu gi\u1eef v\u00e0 y\u00eau c\u1ea7u b\u00e0n giao t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 ph\u00e1t m\u1ea1i. Th\u00e1ng 3-2014, ng\u00e2n h\u00e0ng \u0111\u00e3 ra Quy\u1ebft \u0111\u1ecbnh thu gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Th\u00e1ng 7-2014, ng\u00e2n h\u00e0ng \u0111\u00e3 thu gi\u1eef, ni\u00eam phong t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u00f3 s\u1ef1 ch\u1ee9ng ki\u1ebfn c\u1ee7a m\u1ed9t Ph\u00f3 Ch\u1ee7 t\u1ecbch UBND x\u00e3. Th\u00e1ng 12-2014, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u00e3 \u0111\u01b0\u1ee3c b\u00e1n \u0111\u1ea5u gi\u00e1 xong. Sau \u0111\u00f3 nh\u00e0 \u0111\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c sang t\u00ean s\u1ed5 \u0111\u1ecf cho ng\u01b0\u1eddi mua \u0111\u1ea5u gi\u00e1. Nh\u01b0ng ch\u1ee7 nh\u00e0 c\u0169 quay l\u1ea1i chi\u1ebfm gi\u1eef nh\u00e0 v\u00e0 kh\u00f4ng b\u00e0n giao cho ch\u1ee7 s\u1edf h\u1eefu m\u1edbi. Cho \u0111\u1ebfn h\u1ebft th\u00e1ng 9-2015 t\u00ecnh h\u00ecnh v\u1eabn \u00e1n binh b\u1ea5t \u0111\u1ed9ng.<\/p>\n<p>\u0110\u1ec3 x\u1eed l\u00fd v\u1ee5 vi\u1ec7c tr\u00ean, b\u00e0i to\u00e1n \u0111\u1eb7t ra l\u00e0, ng\u00e2n h\u00e0ng ph\u1ea3i t\u1ed5 ch\u1ee9c m\u1ed9t l\u1ef1c l\u01b0\u1ee3ng h\u00f9ng h\u1eadu \u0111\u1ec3 gi\u00e0nh l\u1ea1i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p h\u1ee3p ph\u00e1p thu\u1ed9c quy\u1ec1n qu\u1ea3n l\u00fd v\u00e0 x\u1eed l\u00fd c\u1ee7a m\u00ecnh \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1t m\u1ea1i v\u00e0 sang t\u00ean h\u1ee3p ph\u00e1p (nh\u01b0ng ch\u01b0a b\u00e0n giao cho ng\u01b0\u1eddi mua). Ho\u1eb7c l\u00e0 ch\u1ee7 s\u1edf h\u1eefu \u0111\u00e3 mua nh\u00e0 qua \u0111\u1ea5u gi\u00e1 ph\u1ea3i \u0111\u1ee9ng ra \u201cd\u00e0n tr\u1eadn\u201d \u0111\u1ec3 \u201cchi\u1ebfm\u201d l\u1ea1i t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh ho\u1eb7c ph\u1ea3i ki\u1ec7n ra To\u00e0, r\u1ed3i theo \u0111u\u1ed5i v\u1ee5 ki\u1ec7n m\u1ed9t v\u00e0i n\u0103m \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t b\u1ea3n \u00e1n v\u00e0 cu\u1ed1i c\u00f9ng l\u00e0 y\u00eau c\u1ea7u c\u01a1 quan thi h\u00e0nh \u00e1n c\u01b0\u1ee1ng ch\u1ebf \u0111\u1ec3 tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh cho ch\u00ednh m\u00ecnh. Nh\u01b0 v\u1eady, ch\u1eb7ng \u0111\u01b0\u1eddng x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00f4ng qua \u0111\u1ea5u gi\u00e1 \u0111\u1ec3 thu h\u1ed3i n\u1ee3 x\u1ea5u \u0111\u00e3 g\u1ea7n 2 n\u0103m, nay \u0111ang c\u00f3 nguy c\u01a1 ph\u1ea3i c\u1ed9ng th\u00eam m\u1ed9t v\u00e0i n\u0103m n\u1eefa.<\/p>\n<p>3.6. B\u00e1n n\u1ee3:<\/p>\n<p>Ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 c\u0169ng nh\u01b0 ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng \u0111\u1ec1u cho ph\u00e9p ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n b\u00e1n n\u1ee3 \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Tuy nhi\u00ean, n\u1ebfu b\u00e1n t\u00e0i s\u1ea3n kh\u00f3 m\u1ed9t, th\u00ec b\u00e1n n\u1ee3 kh\u00f3 m\u01b0\u1eddi, m\u00e0 l\u00fd do quan tr\u1ecdng nh\u1ea5t l\u00e0 kh\u00f4ng c\u00f3 th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3.<\/p>\n<p>Quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 r\u00e0ng, l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c tuy\u00ean truy\u1ec1n, gi\u1ea3i th\u00edch, h\u01b0\u1edbng d\u1eabn, n\u00ean h\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi, doanh nghi\u1ec7p v\u00e0 c\u01a1 quan nh\u00e0 n\u01b0\u1edbc \u0111\u1ec1u nh\u1ea7m l\u1eabn, cho r\u1eb1ng ch\u1ec9 doanh nghi\u1ec7p c\u00f3 ch\u1ee9c n\u0103ng mua b\u00e1n n\u1ee3 m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p mua b\u00e1n n\u1ee3. G\u1ea7n nh\u01b0 to\u00e0n b\u1ed9 c\u00e1c ph\u00f2ng \u0111\u0103ng k\u00fd kinh doanh tr\u00ean c\u1ea3 n\u01b0\u1edbc kh\u00f4ng cho \u0111\u0103ng k\u00fd kinh doanh ho\u1ea1t \u0111\u1ed9ng mua b\u00e1n n\u1ee3. Th\u1eadm ch\u00ed c\u00f3 t\u1ec9nh s\u00e1t H\u00e0 N\u1ed9i, \u0111\u00e3 c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh xong c\u00f2n g\u1eedi C\u00f4ng v\u0103n y\u00eau c\u1ea7u doanh nghi\u1ec7p r\u00fat l\u1ea1i ho\u1ea1t \u0111\u1ed9ng n\u00e0y. V\u00ec v\u1eady, tr\u00ean C\u1ed5ng th\u00f4ng tin \u0111\u0103ng k\u00fd qu\u1ed1c gia v\u00e0o ng\u00e0y 28-9-2015, ch\u1ec9 th\u1ea5y xu\u1ea5t hi\u1ec7n 10 C\u00f4ng ty mua b\u00e1n n\u1ee3 t\u1ea1i 3 t\u1ec9nh tr\u00ean c\u1ea3 n\u01b0\u1edbc (ngo\u00e0i c\u00e1c C\u00f4ng ty c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i); trong \u0111\u00f3 ri\u00eang Long An c\u00f3 6 c\u00f4ng ty v\u00e0 kh\u00f4ng c\u00f3 c\u00f4ng ty n\u00e0o \u1edf 2 \u0111\u1ecba b\u00e0n S\u00e0i G\u00f2n v\u00e0 H\u00e0 N\u1ed9i, l\u00e0 n\u01a1i chi\u1ebfm kho\u1ea3ng m\u1ed9t n\u1eeda t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ea3 n\u01b0\u1edbc.<\/p>\n<p>Trong khi kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt n\u00e0o ng\u0103n c\u1ea5m, h\u1ea1n ch\u1ebf hay \u0111\u1eb7t ra \u0111i\u1ec1u ki\u1ec7n kinh doanh \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng mua b\u00e1n n\u1ee3, m\u00e0 r\u00f5 nh\u1ea5t l\u00e0 Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2014. Ch\u1ec9 c\u00f3 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng quy \u0111\u1ecbnh v\u1ec1 c\u00e1c \u0111i\u1ec1u ki\u1ec7n, th\u1ee7 t\u1ee5c, y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty mua b\u00e1n n\u1ee3 tr\u1ef1c thu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng. Ngay ch\u00ednh trong c\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng mua b\u00e1n n\u1ee3 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u01b0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 140\/1999\/Q\u0110-NHNN14 ng\u00e0y 19-4-1999, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 59\/2006\/Q\u0110-NHNN ng\u00e0y 21-12-2006, Th\u00f4ng t\u01b0 s\u1ed1 09\/2015\/TT-NHNN ng\u00e0y 17-7-2015 c\u0169ng \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5 b\u00ean mua n\u1ee3 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 t\u1ea5t c\u1ea3 c\u00e1c c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 c\u00f4ng ty c\u00f3 ch\u1ee9c n\u0103ng mua b\u00e1n n\u1ee3.<\/p>\n<p>3.7. Kh\u1edfi ki\u1ec7n ra To\u00e0 \u00e1n, Tr\u1ecdng t\u00e0i:<\/p>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004, Lu\u1eadt Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i n\u0103m 2010 c\u0169ng nh\u01b0 c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c, n\u1ebfu kh\u00f4ng \u0111\u1ed3ng \u00fd v\u1edbi con n\u1ee3, ch\u1ee7 t\u00e0i s\u1ea3n ho\u1eb7c \u0111\u00e3 kh\u1ea5u tr\u1eeb t\u00e0i kho\u1ea3n; khai th\u00e1c, s\u1eed d\u1ee5ng, ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; b\u00e1n n\u1ee3 v\u00e0 \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p kh\u00e1c m\u00e0 v\u1eabn kh\u00f4ng gi\u1ea3i quy\u1ebft xong n\u1ee3 x\u1ea5u (kh\u00f4ng gi\u1ea3m tr\u1eeb, b\u00f9 tr\u1eeb ho\u1eb7c thu h\u1ed3i h\u1ebft n\u1ee3), th\u00ec ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n ra To\u00e0 \u00e1n ho\u1eb7c Tr\u1ecdng t\u00e0i \u0111\u1ec3 y\u00eau c\u1ea7u c\u00e1c c\u01a1 quan n\u00e0y gi\u1ea3i quy\u1ebft tranh ch\u1ea5p d\u00e2n s\u1ef1 ho\u1eb7c ph\u00e1 s\u1ea3n doanh nghi\u1ec7p, nh\u1eb1m thu h\u1ed3i n\u1ee3 th\u00f4ng qua vi\u1ec7c thi h\u00e0nh c\u00e1c b\u1ea3n \u00e1n, quy\u1ebft \u0111\u1ecbnh hay ph\u00e1n quy\u1ebft c\u1ee7a To\u00e0 \u00e1n ho\u1eb7c Tr\u1ecdng t\u00e0i. N\u00f3i c\u00e1ch kh\u00e1c, n\u1ebfu kh\u00f4ng \u201ct\u1ef1 x\u1eed\u201d \u0111\u01b0\u1ee3c vi\u1ec7c tr\u1ea3 n\u1ee3 v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i \u201cm\u01b0\u1ee3n tay\u201d c\u01a1 quan ph\u00e1p lu\u1eadt ra m\u1ed9t ph\u00e1n quy\u1ebft c\u00f4ng nh\u1eadn n\u1ee3 n\u1ea7n v\u00e0 th\u1eeba nh\u1eadn quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n<p>Ngo\u00e0i s\u1ed1 \u00edt v\u1ee5 vi\u1ec7c th\u1ef1c s\u1ef1 c\u00f3 tranh ch\u1ea5p ho\u1eb7c c\u00f3 t\u00ednh ch\u1ea5t ph\u1ee9c t\u1ea1p, \u0111a s\u1ed1 v\u1ee5 vi\u1ec7c vay n\u1ee3 ng\u00e2n h\u00e0ng \u0111\u1ec1u kh\u00e1 r\u00f5 r\u00e0ng, \u0111\u01a1n gi\u1ea3n, ch\u1eb7t ch\u1ebd, \u0111\u1ea7y \u0111\u1ee7 ch\u1ee9ng c\u1ee9. Tuy nhi\u00ean, d\u00f9 kh\u00f4ng c\u00f3 tranh ch\u1ea5p g\u00ec v\u1ec1 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, nh\u01b0ng v\u1eabn ph\u1ea3i g\u1ecdi \u0111\u00f3 l\u00e0 y\u00eau c\u1ea7u gi\u1ea3i quy\u1ebft tranh ch\u1ea5p v\u00e0 r\u01a1i v\u00e0o v\u00f2ng quay t\u1ed1 t\u1ee5ng r\u1ea5t ph\u1ee9c t\u1ea1p, d\u00e0i d\u00f2ng, ch\u1eadm tr\u1ec5, t\u1ed1n k\u00e9m, v\u00ec To\u00e0 \u00e1n kh\u00f4ng c\u00f3 th\u1ee7 t\u1ee5c r\u00fat g\u1ecdn cho v\u1ee5 ki\u1ec7n kinh doanh, th\u01b0\u01a1ng m\u1ea1i n\u00f3i chung, v\u1ee5 vi\u1ec7c ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang. C\u00f9ng v\u1edbi th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng To\u00e0 \u00e1n, l\u00e0 c\u00f4ng \u0111o\u1ea1n thi h\u00e0nh \u00e1n, ti\u1ebfp t\u1ee5c l\u00e0 n\u1ed7i \u00e1m \u1ea3nh s\u1ee3 h\u00e3i \u0111\u1ed1i v\u1edbi vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. \u0110\u00f3 ch\u00ednh l\u00e0 nh\u1eefng t\u00e1c nh\u00e2n \u201cgi\u00fap s\u1ee9c\u201d cho n\u1ee3 x\u1ea5u c\u1ee9 t\u00edch t\u1ee5 cao th\u00eam v\u00e0 ch\u1eadm \u0111\u01b0\u1ee3c h\u1ea1 xu\u1ed1ng.<\/p>\n<p>H\u1ec7 th\u1ed1ng quy \u0111\u1ecbnh, gi\u1ea5y t\u1edd, th\u1ee7 t\u1ee5c ph\u00e1p lu\u1eadt mu\u00f4n v\u00e0n s\u1ef1 v\u00f4 l\u00fd, b\u1ea5t c\u1eadp, y\u1ebfu k\u00e9m, kh\u00f4ng ch\u1ec9 g\u00e2y bao tai ho\u1ea1 cho ng\u00e2n h\u00e0ng, m\u00e0 c\u00e1c c\u01a1 quan To\u00e0 \u00e1n, Tr\u1ecdng t\u00e0i, Thi h\u00e0nh \u00e1n, C\u00f4ng ch\u1ee9ng, \u0110\u1ea5u gi\u00e1,\u2026 c\u0169ng \u0111\u1ec1u lo ng\u1ea1i, kh\u1ed1n kh\u1ed5. Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t (S\u1ed5 \u0111\u1ecf) l\u00e0 lo\u1ea1i gi\u1ea5y t\u1edd s\u1edf h\u1eefu t\u00e0i s\u1ea3n b\u00e0i b\u1ea3n v\u00e0 quan tr\u1ecdng nh\u1ea5t, nh\u01b0ng v\u1eabn c\u00f2n qu\u00e1 nhi\u1ec1u sai s\u00f3t, phi l\u00fd v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00f4ng ghi nh\u1eadn c\u1ee5 th\u1ec3 c\u00e1c th\u00e0nh vi\u00ean c\u1ee7a h\u1ed9 gia \u0111\u00ecnh. Qu\u00e1 nhi\u1ec1u s\u1ed5 \u0111\u1ecf ghi nh\u1eadn th\u00f4ng tin sai l\u1ec7ch hay ch\u1ec9 ghi nh\u1eadn m\u1ed9t ph\u1ea7n t\u00e0i s\u1ea3n th\u1ef1c t\u1ebf (nh\u01b0 ch\u1ec9 ghi \u0111\u1ea5t, kh\u00f4ng ghi nh\u1eadn ho\u1eb7c kh\u00f4ng ghi \u0111\u1ee7 nh\u00e0 \u1edf, t\u00e0i s\u1ea3n tr\u00ean \u0111\u1ea5t, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00e0 \u1edf t\u1ea1i n\u00f4ng th\u00f4n). Th\u1ebf l\u00e0 d\u1eabn \u0111\u1ebfn m\u1ed9t chu\u1ed7i bu\u1ed9c ph\u1ea3i sai l\u1ec7ch ti\u1ebfp theo trong bi\u00ean b\u1ea3n \u0111\u1ecbnh gi\u00e1, c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng, \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p,\u2026 Cu\u1ed1i c\u00f9ng l\u00e0 mu\u00f4n v\u00e0n r\u00e0o c\u1ea3n, kh\u00f3 kh\u0103n, tr\u1edf ng\u1ea1i, b\u1ebf t\u1eafc khi ph\u1ea3i x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n<p>3.8. Khi\u1ebfu n\u1ea1i, t\u1ed1 c\u00e1o vi ph\u1ea1m:<\/p>\n<p>Trong to\u00e0n b\u1ed9 \u201ch\u00e0nh tr\u00ecnh \u0111au kh\u1ed5\u201d x\u1eed l\u00fd n\u1ee3 x\u1ea5u n\u00f3i tr\u00ean, b\u1ea5t c\u1ee9 giai \u0111o\u1ea1n n\u00e0o, ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 khi\u1ebfu n\u1ea1i, t\u1ed1 c\u00e1o h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 t\u1ed1 gi\u00e1c t\u1ed9i ph\u1ea1m h\u00ecnh s\u1ef1 \u0111\u1ec3 y\u00eau c\u1ea7u c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng x\u1eed l\u00fd con n\u1ee3 v\u00e0 c\u00e1c c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n li\u00ean quan, \u0111\u1ed3ng th\u1eddi h\u1ed7 tr\u1ee3 thu h\u1ed3i n\u1ee3 cho ch\u1ee7 n\u1ee3.<\/p>\n<p>M\u1eb7c d\u00f9 v\u1ec1 nguy\u00ean t\u1eafc, khi\u1ebfu n\u1ea1i, t\u1ed1 c\u00e1o h\u00e0nh ch\u00ednh kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t k\u00eanh ch\u00ednh th\u1ee9c trong \u201ccu\u1ed9c chi\u1ebfn\u201d thu h\u1ed3i n\u1ee3 x\u1ea5u, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, qua vi\u1ec7c khi\u1ebfu n\u1ea1i, t\u1ed1 c\u00e1o nh\u1eefng h\u00e0nh vi sai tr\u00e1i c\u1ee7a con n\u1ee3 v\u00e0 ng\u01b0\u1eddi kh\u00e1c g\u00e2y tr\u1edf ng\u1ea1i, thi\u1ec7t h\u1ea1i \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 t\u00e1c d\u1ee5ng r\u1ea5t \u0111\u00e1ng k\u1ec3 trong vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u. Tuy nhi\u00ean, v\u1edbi nhi\u1ec1u l\u00fd do kh\u00e1c nhau, c\u00e0ng l\u00fac c\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng quan t\u00e2m, xem x\u00e9t.<\/p>\n<p>\u1ede m\u1ee9c \u0111\u1ed9 cao h\u01a1n, ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 quy\u1ec1n t\u1ed1 gi\u00e1c t\u1ed9i ph\u1ea1m \u0111\u1ec3 thu h\u1ed3i n\u1ee3 x\u1ea5u th\u00f4ng qua vi\u1ec7c \u0111i\u1ec1u tra, truy t\u1ed1, x\u00e9t x\u1eed v\u1ee5 \u00e1n h\u00ecnh s\u1ef1, nh\u01b0 con n\u1ee3 l\u1eeba \u0111\u1ea3o hay l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n, th\u1ea9m ph\u00e1n ra b\u1ea3n \u00e1n sai ph\u00e1p lu\u1eadt hay ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 kh\u00f4ng ch\u1ea5p h\u00e0nh b\u1ea3n \u00e1n,\u2026 Tuy nhi\u00ean, ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng run s\u1ee3 tr\u01b0\u1edbc t\u00ecnh tr\u1ea1ng, n\u1ea1n nh\u00e2n c\u1ee7a n\u1ee3 x\u1ea5u l\u1ea1i bi\u1ebfn th\u00e0nh t\u1ed9i ph\u1ea1m, t\u1ee9c l\u00e0 b\u1ecb \u201ch\u00ecnh s\u1ef1 ho\u00e1\u201d quan h\u1ec7 t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng. Ng\u01b0\u1ee3c l\u1ea1i, do s\u1ee3 tr\u00e1ch nhi\u1ec7m, s\u1ee3 nguy c\u01a1 \u201ch\u00ecnh s\u1ef1 ho\u00e1\u201d quan h\u1ec7 kinh t\u1ebf, d\u00e2n s\u1ef1 \u0111\u1ed1i v\u1edbi con n\u1ee3, n\u00ean c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt c\u0169ng kh\u00f4ng d\u00e1m m\u1ea1nh tay kh\u1edfi t\u1ed1, truy t\u1ed1, k\u1ebft t\u1ed9i nh\u1eefng k\u1ebb l\u1eeba \u0111\u1ea3o, l\u1ea1m d\u1ee5ng chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<ol start=\"4\">\n<li><strong>K\u1ebft lu\u1eadn v\u00e0 ki\u1ebfn ngh\u1ecb:<\/strong><\/li>\n<\/ol>\n<p>4.1. Tr\u00e1ch nhi\u1ec7m x\u1eed l\u00fd n\u1ee3 x\u1ea5u:<\/p>\n<p>Con n\u1ee3, m\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 c\u00e1c doanh nghi\u1ec7p, ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ch\u00ednh v\u1ec1 vi\u1ec7c kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 vay, t\u1ee9c v\u1ec1 t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u c\u1ee7a ng\u00e2n h\u00e0ng. V\u00ec x\u00e3 h\u1ed9i v\u00e0 c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ee9 nghi\u00eang nh\u1ea7m theo h\u01b0\u1edbng r\u1eb1ng, n\u1ee3 x\u1ea5u l\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng, n\u00ean \u0111\u1ea9y h\u1ebft cho ng\u00e2n h\u00e0ng ph\u1ea3i t\u1ef1 ch\u1ecbu, t\u1ef1 lo v\u00e0 t\u1ef1 \u201cx\u1eed\u201d, n\u00ean d\u1eabn \u0111\u1ebfn vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u m\u1ed9t c\u00e1ch th\u1ef1c ch\u1ea5t b\u1ecb r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng r\u1ea5t kh\u00f3, r\u1ea5t ch\u1eadm v\u00e0 r\u1ea5t x\u1ea5u.<\/p>\n<p>X\u1eed l\u00fd n\u1ee3 x\u1ea5u kh\u00f4ng ch\u1ec9 l\u00e0 vi\u1ec7c gi\u00fap cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, m\u00e0 l\u00e0 c\u1ee9u gi\u00fap c\u1ea3 n\u1ec1n kinh t\u1ebf, v\u00ec th\u1ef1c ch\u1ea5t c\u1ee7a vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u, l\u00e0 \u201cc\u1ea5p c\u1ee9u, \u0111i\u1ec1u tr\u1ecb v\u00e0 d\u01b0\u1ee1ng b\u1ec7nh\u201d cho doanh nghi\u1ec7p, c\u0169ng nh\u01b0 cho c\u1ea3 n\u1ec1n kinh t\u1ebf.<\/p>\n<p>4.2. B\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3:<\/p>\n<p>C\u1ea3 hai b\u00ean trong quan h\u1ec7 n\u1ee3 x\u1ea5u t\u00edn d\u1ee5ng l\u00e0 ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng, \u0111\u1ec1u c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7. Tuy nhi\u00ean, quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n l\u00e0 ti\u1ec1n cho vay c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 h\u01a1n quy\u1ec1n s\u1edf h\u1eefu l\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay. Kh\u00f4ng ph\u1ea3i v\u00f4 c\u1edb m\u00e0 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004 (\u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2011), \u0111\u00e3 quy \u0111\u1ecbnh: Th\u1eddi hi\u1ec7u \u0111\u1ec3 kh\u1edfi ki\u1ec7n \u0111\u00f2i ti\u1ec1n b\u1ed3i th\u01b0\u1eddng trong c\u00e1c v\u1ee5 vi\u1ec7c tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng ch\u1ec9 c\u00f3 2 n\u0103m, nh\u01b0ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ec3 ch\u1ee7 n\u1ee3 \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay \u0111\u01b0\u1ee3c k\u00e9o d\u00e0i v\u0129nh vi\u1ec5n.<\/p>\n<p>Theo \u0111u\u1ed5i n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, b\u00ean c\u1ea1nh \u201ccu\u1ed9c chi\u1ebfn\u201d ch\u1ed1ng \u201cgi\u1eb7c t\u00edn d\u1ee5ng \u0111en\u201d b\u1ea5t h\u1ee3p ph\u00e1p b\u00f3c l\u1ed9t ng\u01b0\u1eddi \u0111i vay, vi\u1ec7c c\u0103n b\u1ea3n h\u01a1n l\u00e0 ph\u1ea3i b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c quy\u1ec1n s\u1edf h\u1eefu ti\u1ec1n b\u1ea1c c\u1ee7a ng\u01b0\u1eddi cho vay h\u1ee3p ph\u00e1p. Khi kho\u1ea3n vay c\u00f2n l\u00e0 n\u1ee3 t\u1ed1t, th\u00ec kh\u00e1ch h\u00e0ng l\u00e0 \u201cTh\u01b0\u1ee3ng \u0111\u1ebf\u201d, nh\u01b0ng khi \u0111\u00e3 bi\u1ebfn th\u00e0nh n\u1ee3 x\u1ea5u, th\u00ec \u201cTh\u01b0\u1ee3ng \u0111\u1ebf\u201d \u0111\u00e3 tr\u1edf th\u00e0nh \u201ct\u1ed9i \u0111\u1ed3\u201d, v\u00ec kh\u00f4ng c\u00f2n mang l\u1ea1i l\u1ee3i nhu\u1eadn, l\u1ee3i \u00edch m\u00e0 mang l\u1ea1i r\u1ee7i ro, nguy hi\u1ec3m cho ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 cho n\u1ec1n kinh t\u1ebf. Khi \u0111\u00f3, con n\u1ee3 kh\u00f4ng th\u1ec3 c\u00f9ng v\u1ecb th\u1ebf v\u1edbi ch\u1ee7 n\u1ee3. Tuy nhi\u00ean, ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh kh\u00f4ng nh\u1eefng ch\u01b0a kh\u1eb3ng \u0111\u1ecbnh r\u00f5 v\u1ecb th\u1ebf c\u1ee7a ch\u1ee7 n\u1ee3, kh\u00f4ng \u01b0u ti\u00ean b\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3, b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu h\u1ee3p ph\u00e1p b\u1ecb x\u00e2m ph\u1ea1m, m\u00e0 l\u1ea1i coi ch\u1ee7 n\u1ee3 c\u0169ng nh\u01b0 con n\u1ee3, th\u1eadm ch\u00ed c\u00f2n nghi\u00eang v\u1ec1 ph\u00eda b\u1ea3o v\u1ec7 con n\u1ee3.<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><\/p>\n<p>4.3. S\u1eeda \u0111\u1ed5i h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt:<\/p>\n<p>V\u1edbi h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt kh\u00f4ng \u0111\u1ee7 m\u1ea1nh m\u1ebd v\u00e0 r\u00f5 r\u00e0ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u nh\u01b0 \u0111\u00e3 n\u00eau \u1edf c\u00e1c ph\u1ea7n tr\u00ean, c\u00f9ng v\u1edbi nhi\u1ec1u v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp kh\u00e1c,<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a> th\u00ec ch\u1eb3ng kh\u00e1c n\u00e0o dung t\u00fang, khuy\u1ebfn kh\u00edch vi ph\u1ea1m, b\u1ed9i \u01b0\u1edbc, ch\u00e2y \u1ef3, tr\u1ed1n tr\u00e1nh ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3; ti\u1ebfp tay cho vi\u1ec7c l\u1ea5y t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi n\u00e0y chia cho ng\u01b0\u1eddi kh\u00e1c; h\u1eadu qu\u1ea3 l\u00e0 n\u1ee3 x\u1ea5u s\u1ebd d\u1ec5 b\u1ecb gia t\u0103ng v\u00e0 ng\u00e0y c\u00e0ng kh\u00f3 x\u1eed l\u00fd.<\/p>\n<p>N\u1ebfu v\u00ed h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt \u0111ang v\u1eadn h\u00e0nh nh\u01b0 m\u1ed9t c\u1ed7 m\u00e1y, th\u00ec ho\u1ea1t \u0111\u1ed9ng x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111ang gi\u1ed1ng v\u1edbi vi\u1ec7c ph\u1ea3i b\u00f4i tr\u01a1n, h\u00e0n g\u1eafn, ch\u1eafp n\u1ed1i, v\u00e1 v\u00edu v\u00e0 v\u1eadn h\u00e0nh m\u1ed9t c\u1ed7 m\u00e1y r\u1ec7u r\u00e3, h\u01b0 h\u1ecfng. V\u00ec v\u1eady, vi\u1ec7c c\u1ea5p b\u00e1ch c\u0169ng nh\u01b0 l\u00e2u d\u00e0i l\u00e0 ph\u1ea3i r\u00e0 so\u00e1t, b\u00e3i b\u1ecf c\u00e1c quy \u0111\u1ecbnh, th\u1ee7 t\u1ee5c c\u1ea3n tr\u1edf; s\u1eeda sai c\u00e1c quy \u0111\u1ecbnh, th\u1ee7 t\u1ee5c v\u00f4 l\u00fd; b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh, th\u1ee7 t\u1ee5c c\u1ea7n thi\u1ebft trong c\u00e1c \u0111\u1ea1o lu\u1eadt v\u00e0 v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u00f4ng cu\u1ed9c x\u1eed l\u00fd n\u1ee3 x\u1ea5u nhanh ch\u00f3ng, hi\u1ec7u qu\u1ea3 v\u00e0 tri\u1ec7t \u0111\u1ec3.<\/p>\n<p>&nbsp;<\/p>\n<p><em>\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/em><\/p>\n<p><strong><em>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 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><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><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u00a0 \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n ngay t\u1eeb c\u00e1ch g\u1ecdi ng\u01b0\u1eddi c\u00f3 quy\u1ec1n \u0111\u00f2i n\u1ee3 l\u00e0 ch\u1ee7 n\u1ee3, nh\u01b0ng l\u1ea1i kh\u00f4ng g\u1ecdi ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 l\u00e0 con n\u1ee3, m\u00e0 ch\u1ec9 g\u1ecdi l\u00e0 ng\u01b0\u1eddi n\u1ee3, ng\u01b0\u1eddi m\u1eafc n\u1ee3 v\u00e0 th\u1eadm ch\u00ed \u201ct\u00f4n\u201d l\u00ean th\u00e0nh \u201ckh\u00e1ch n\u1ee3\u201d, t\u1ee9c v\u1eabn gi\u1eef \u201cng\u00f4i Th\u01b0\u1ee3ng \u0111\u1ebf\u201d (c\u00f3 14 Ngh\u1ecb \u0111\u1ecbnh v\u00e0 kho\u1ea3ng tr\u00ean 50 th\u00f4ng t\u01b0, quy\u1ebft \u0111\u1ecbnh s\u1eed d\u1ee5ng t\u1eeb \u201ckh\u00e1ch n\u1ee3\u201d).<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> \u00a0 Xem th\u00eam tham lu\u1eadn \u201cC\u1ea3n tr\u1edf ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u\u201d tr\u00ean www.anvi.com.vn.","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; H\u1ed9i th\u1ea3o X\u1eed l\u00fd n\u1ee3 x\u1ea5u \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 06-10-2015\u00a0\u00a0\u00a0\u00a0 &nbsp; Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o \u201c\u0110\u00e1nh gi\u00e1 k\u1ebft qu\u1ea3 t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u\u00a0\u2013 Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf v\u00e0 th\u1ef1c ti\u1ec5n Vi\u1ec7t Nam\u201d\u00a0(do Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf, \u0110\u1ea1i h\u1ecdc Qu\u1ed1c gia H\u00e0 N\u1ed9i t\u1ed5 ch\u1ee9c) C\u00f3 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6322,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6321","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 v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>251. Gi\u1ea3i ph\u00e1p &amp; h\u00e0nh \u0111\u1ed9ng 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\/251-giai-phap-hanh-dong-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]251. Gi\u1ea3i ph\u00e1p &amp; h\u00e0nh \u0111\u1ed9ng x\u1eed l\u00fd n\u1ee3 x\u1ea5u. 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