{"id":6332,"date":"2015-11-06T10:50:33","date_gmt":"2015-11-06T03:50:33","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6332"},"modified":"2022-02-14T22:20:31","modified_gmt":"2022-02-14T15:20:31","slug":"255-binh-luan-du-thao-thong-thu-quy-dinh-ve-hoat-dong-cho-vay-cua-cac-tctd","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/255-binh-luan-du-thao-thong-thu-quy-dinh-ve-hoat-dong-cho-vay-cua-cac-tctd\/","title":{"rendered":"255. B\u00ecnh lu\u1eadn d\u1ef1 th\u1ea3o th\u00f4ng th\u01b0 quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c TCTD."},"content":{"rendered":"<strong><em>(ANVI) &#8211; H\u1ed9i th\u1ea3o VNBA\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 06-11-2015\u00a0\u00a0\u00a0\u00a0 <\/em><\/strong><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><a name=\"_Toc184551505\"><\/a><a name=\"_Toc157034604\"><\/a><a name=\"_Toc105930256\"><\/a><a name=\"_Toc105302765\"><\/a> B\u00ecnh lu\u1eadn chung:<\/li>\n<\/ol>\n<h3>D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 c\u00f2n nhi\u1ec1u sai s\u00f3t, nhi\u1ec1u quy \u0111\u1ecbnh ch\u01b0a r\u00f5, ch\u01b0a h\u1ee3p l\u00fd v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 xung \u0111\u1ed9t ph\u00e1p lu\u1eadt, s\u1ebd g\u00e2y kh\u00f3 kh\u0103n \u0111\u1eb7c bi\u1ec7t cho c\u00e1c TCTD, nh\u1ea5t l\u00e0 v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 vi\u1ec7c thu n\u1ee3 tr\u01b0\u1edbc h\u1ea1n.<\/h3>\n<ol start=\"2\">\n<li>V\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d (\u0110i\u1ec1u 3):<\/li>\n<\/ol>\n<ul>\n<li><a name=\"_Toc265570291\"><\/a><a name=\"_Toc265569803\"><\/a> Kho\u1ea3n 2, \u0110i\u1ec1u 3 gi\u1ea3i th\u00edch v\u1ec1 nhu c\u1ea7u v\u1ed1n ch\u01b0a bao qu\u00e1t h\u1ebft nhu c\u1ea7u. V\u00ed d\u1ee5, vay \u0111\u1ec3 tr\u1ea3 ti\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u01b0\u1ee3c nh\u00e0 n\u01b0\u1edbc b\u00e1n \u0111\u1ea5u gi\u00e1 \u0111\u1ea5t, giao \u0111\u1ea5t kh\u00f4ng thu\u1ed9c c\u00e1c nhu c\u1ea7u nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t. Hay vay \u0111\u1ec3 \u0111\u1eb7t c\u1ecdc mua bi\u1ec7t th\u1ef1 ngh\u1ec9 d\u01b0\u1ee1ng, kh\u00f4ng thu\u1ed9c nh\u00f3m nhu c\u1ea7u SXKD, kh\u00f4ng thu\u1ed9c nh\u00f3m nhu c\u1ea7u nh\u00e0 \u0111\u1ea5t theo \u0111i\u1ec3m c, c\u0169ng kh\u00f4ng thu\u1ed9c nh\u00f3m qu\u00e9t \u201cChi ph\u00ed kh\u00e1c cho m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng, sinh ho\u1ea1t trong cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y c\u1ee7a c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh\u201d t\u1ea1i \u0111i\u1ec3m d.<\/li>\n<li>Kho\u1ea3n 6, \u0110i\u1ec1u 3.6, kh\u00e1i ni\u1ec7m \u201c\u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n\u201d kh\u00f4ng th\u1ed1ng nh\u1ea5t (h\u1eb9p h\u01a1n) so v\u1edbi Lu\u1eadt \u0110\u1ea5u th\u1ea7u n\u0103m 2013.<\/li>\n<\/ul>\n<ol start=\"3\">\n<li>V\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n vay v\u1ed1n\u201d (\u0110i\u1ec1u 7):<\/li>\n<\/ol>\n<ul>\n<li>Kho\u1ea3n 4 quy \u0111\u1ecbnh: \u201c\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay v\u1ed1n \u0111\u1ec3 ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng ph\u1ea3i c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi\u201d. Vay v\u1ed1n ti\u00eau d\u00f9ng l\u00e0 \u201cph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3 kh\u1ea3 thi\u201d ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u201cs\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi\u201d, ch\u1eadm ch\u00ed \u0111\u1ed1i v\u1edbi c\u00e1c C\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec kh\u00f4ng c\u1ea7n c\u1ea3 ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3 kh\u1ea3 thi. \u0110\u00e3 t\u1eebng di\u1ec5n ra vi\u1ec7c v\u00f4 l\u00fd l\u00e0 cho vay c\u1ea7m c\u1ed1 b\u1eb1ng th\u1ebb ti\u1ebft ki\u1ec7m c\u1ee7a ch\u00ednh ng\u01b0\u1eddi vay t\u1ea1i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u00f3 c\u0169ng ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch.<\/li>\n<li>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb t\u00e1ch ri\u00eang \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n \u0111\u1ed1i v\u1edbi 2 lo\u1ea1i h\u00ecnh cho vay SXKD v\u00e0 ti\u00eau d\u00f9ng<\/li>\n<\/ul>\n<ol start=\"4\">\n<li>V\u1ec1 \u201cTh\u1ec3 lo\u1ea1i cho vay\u201d(\u0110i\u1ec1u 8):<\/li>\n<\/ol>\n<ul>\n<li>Quy \u0111\u1ecbnh 3 th\u1ec3 lo\u1ea1i cho vay ng\u1eafn h\u1ea1n, trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n. \u0110i\u1ec1u 20.3.a th\u00ec l\u1ea1i quy \u0111\u1ecbnh \u201clo\u1ea1i cho vay\u201d. V\u00e0 l\u1ea1i c\u00f3 \u0110i\u1ec1u 30 v\u1ec1 \u201cTh\u1eddi h\u1ea1n cho vay\u201d.<\/li>\n<li>V\u00ec v\u1eady, c\u1ea7n s\u1eeda th\u00e0nh th\u1eddi h\u1ea1n cho vay ng\u1eafn h\u1ea1n, trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n, \u0111\u1ed3ng th\u1eddi quy \u0111\u1ecbnh chung trong \u0110i\u1ec1u 30 v\u1ec1 \u201cTh\u1eddi h\u1ea1n cho vay\u201d.<\/li>\n<\/ul>\n<ol start=\"5\">\n<li>V\u1ec1 \u201cL\u00e3i su\u1ea5t cho vay\u201d (\u0110i\u1ec1u 10):<\/li>\n<\/ol>\n<ul>\n<li>Nguy c\u01a1 r\u1ea5t l\u1edbn v\u1edbi TCTD, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh tr\u01b0\u1edbc D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 s\u1ebd \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua v\u00e0o ng\u00e0y 22-11 t\u1edbi v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d nh\u01b0 sau:<\/li>\n<\/ul>\n<p>Theo Ph\u01b0\u01a1ng \u00e1n 1, th\u00ec c\u00e1c TCTD c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay kh\u00f4ng qu\u00e1 20%\/n\u0103m, v\u00ec kh\u00f4ng c\u00f3 lo\u1ea1i tr\u1eeb:<\/p>\n<p>\u201c<em>3. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay<\/em>.\u201d<\/p>\n<p>Theo Ph\u01b0\u01a1ng \u00e1n 2, th\u00ec c\u00f3 quy \u0111\u1ecbnh lo\u1ea1i tr\u1eeb, nh\u01b0ng kh\u00f4ng r\u00f5. C\u1ee5 th\u1ec3 l\u00e0 ph\u1ea3i lo\u1ea1i tr\u1eeb theo Lu\u1eadt, ch\u1ee9 kh\u00f4ng theo quy \u0111\u1ecbnh c\u1ee7a v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt. Trong khi \u0111\u00f3, Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh vi\u1ec7c tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t nh\u01b0ng l\u1ea1i ph\u1ea3i theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<p>\u201c<em>3.<\/em> <em>Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 200% theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f4ng b\u1ed1, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>.\u201d<\/p>\n<ul>\n<li>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb ph\u1ea3i ki\u1ebfn ngh\u1ecb kh\u1ea9n c\u1ea5p v\u1edbi Qu\u1ed1c h\u1ed9i \u0111\u1ec3 thay \u0111\u1ed5i D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/li>\n<\/ul>\n<ol start=\"6\">\n<li>V\u1ec1 \u201cPh\u00ed li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay\u201d(\u0110i\u1ec1u 12):<\/li>\n<\/ol>\n<ul>\n<li>Kho\u1ea3n 1, \u0110i\u1ec1u 12 quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c lo\u1ea1i ph\u00ed l\u00e0 \u201c<em>Ph\u00ed tr\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n<\/em>\u201d. S\u1eed d\u1ee5ng t\u1eeb \u201cph\u00ed\u201d t\u1ea1i \u0110i\u1ec1u n\u00e0y c\u0169ng nh\u01b0 nhi\u1ec1u \u0110i\u1ec1u kh\u00e1c, l\u00e0 tr\u00e1i v\u1edbi Ph\u00e1p l\u1ec7nh (chu\u1ea9n b\u1ecb l\u00e0 Lu\u1eadt) Ph\u00ed v\u00e0 l\u1ec7 ph\u00ed.<\/li>\n<\/ul>\n<p>Quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u0169ng nh\u01b0 \u0110i\u1ec1u 470 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169ng quy \u0111\u1ecbnh \u0111\u00f3 l\u00e0 l\u00e3i ch\u1ee9 kh\u00f4ng ph\u1ea3i ph\u00ed: \u201c<em>2. \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i th\u00ec b\u00ean vay c\u00f3 quy\u1ec1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n, nh\u01b0ng ph\u1ea3i b\u00e1o tr\u01b0\u1edbc cho b\u00ean cho vay m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd, \u0111\u1ed3ng th\u1eddi c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 l\u00e3i theo th\u1ecfa thu\u1eadn<\/em>.\u201d<\/p>\n<ul>\n<li>Vi v\u1eady, \u0111\u1ec1 ngh\u1ecb chuy\u1ec3n t\u1eeb \u201cph\u00ed\u201d t\u1ea1i kho\u1ea3n tr\u00ean th\u00e0nh \u201cl\u00e3i\u201d v\u00e0 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c chuy\u1ec3n th\u00e0nh \u201cchi ph\u00ed\u201d.<\/li>\n<\/ul>\n<ol start=\"7\">\n<li>V\u1ec1 \u201cV\u0103n b\u1ea3n tho\u1ea3 thu\u1eadn v\u1ec1 cho vay\u201d (\u0110i\u1ec1u 21):<\/li>\n<\/ol>\n<ul>\n<li>Tr\u01b0\u1edbc \u0111\u00e2y, do Lu\u1eadt C\u00e1c TCTD v\u00e0 c\u00e1c v\u0103n b\u1ea3n \u0111\u00e3 nh\u1ea7m l\u1eabn gi\u1eefa kh\u00e1i ni\u1ec7m h\u1ee3p \u0111\u1ed3ng cho vay v\u1edbi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ea5p t\u00edn d\u1ee5ng, n\u00ean b\u00e2y gi\u1edd thay v\u00ec g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng nh\u01b0 tr\u01b0\u1edbc l\u1ea1i g\u1ecdi l\u00e0 \u201cV\u0103n b\u1ea3n tho\u1ea3 thu\u1eadn v\u1ec1 cho vay\u201d, r\u1ea5t kh\u00f4ng h\u1ee3p l\u00fd, trong khi \u0111\u00f3 r\u00f5 r\u00e0ng l\u00e0 m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng. R\u1ed3i c\u00e1c quy \u0111\u1ecbnh d\u01b0\u1edbi \u0111\u00f3 c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u kh\u00e1c th\u00ec l\u1ea1i v\u1eabn g\u1ecdi l\u00e0 \u201ch\u1ee3p \u0111\u1ed3ng\u201d.<\/li>\n<li>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb s\u1eeda c\u1ee5m t\u1eeb \u201cV\u0103n b\u1ea3n tho\u1ea3 thu\u1eadn v\u1ec1 cho vay\u201d th\u00e0nh \u201cH\u1ee3p \u0111\u1ed3ng cho vay\u201d.<\/li>\n<\/ul>\n<ol start=\"8\">\n<li>V\u1ec1 \u201cPh\u1ea1t vi ph\u1ea1m v\u00e0 b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i\u201d(\u0110i\u1ec1u 22):<\/li>\n<\/ol>\n<ul>\n<li>Kho\u1ea3n 1, \u0110i\u1ec1u 22 quy \u0111\u1ecbnh: \u201c<em> TCTD v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c ph\u1ea1t vi ph\u1ea1m \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c l\u00e3i ti\u1ec1n vay \u0111\u00fang h\u1ea1n<\/em>\u201d. \u0110\u00f3 l\u00e0 ph\u1ea1t, l\u00e0 t\u00ednh l\u00e3i tr\u00ean l\u00e3i. Tuy nhi\u00ean \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd, v\u00ec kho\u1ea3n 4, \u0110i\u1ec1u 466 v\u1ec1 \u201cNgh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh: \u201c<em>4. Tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 n\u1ee3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean cho vay c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u tr\u1ea3 ti\u1ec1n l\u00e3i v\u1edbi m\u1ee9c 0,03%\/ng\u00e0y t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/em>\u201d T\u1ee9c l\u00e0 ch\u1ec9 trong tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i, th\u00ec m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p t\u00ednh l\u00e3i tr\u00ean l\u00e3i ch\u1eadm tr\u1ea3, t\u1ee9c l\u00e0 vay c\u00f3 l\u00e3i, th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh l\u00e3i tr\u00ean s\u1ed1 l\u00e3i ch\u1eadm tr\u1ea3. Tr\u00ean th\u1ef1c t\u1ebf, vi\u1ec7c t\u00ednh l\u00e3i ch\u1ed3ng l\u00ean l\u00e3i c\u1ee7a c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111ang b\u1ecb c\u00e1c To\u00e0 \u00e1n b\u00e1c b\u1ecf v\u00e0 To\u00e0 \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao ph\u1ea3n \u0111\u1ed1i. Ngo\u00e0i ra, th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf c\u0169ng kh\u00f4ng th\u1eeba nh\u1eadn c\u00e1ch t\u00ednh l\u00e3i trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y.<\/li>\n<li>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb b\u1ecf quy \u0111\u1ecbnh t\u00ednh l\u00e3i su\u1ea5t tr\u00ean l\u00e3i ch\u1eadm tr\u1ea3 nh\u01b0 tr\u00ean.<\/li>\n<\/ul>\n<ol start=\"9\">\n<li>V\u1ec1 \u201cQuy\u1ec1n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a TCTD\u201d (\u0110i\u1ec1u 23)<\/li>\n<\/ol>\n<ul>\n<li>\u0110i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 23 quy \u0111\u1ecbnh, TCTD c\u00f3 quy\u1ec1n \u201c<em>a) Ki\u1ec3m tra, gi\u00e1m s\u00e1t qu\u00e1 tr\u00ecnh vay v\u1ed1n, s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng<\/em>\u201d. Tuy nhi\u00ean, kho\u1ea3n 1, \u0110i\u1ec1u 32 v\u1ec1 \u201cKi\u1ec3m tra, gi\u00e1m s\u00e1t v\u1ed1n vay\u201d, th\u00ec l\u1ea1i quy \u0111\u1ecbnh \u201c<em> TCTD c\u00f3 quy\u1ec1n, <strong>ngh\u0129a v\u1ee5<\/strong> ki\u1ec3m tra, gi\u00e1m s\u00e1t vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng<\/em>\u201d. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady l\u00e0 \u0110i\u1ec1u 38.<\/li>\n<li>V\u00ec v\u1eady \u0111\u1ec1 ngh\u1ecb x\u00e1c \u0111\u1ecbnh r\u00f5 vi\u1ec7c ki\u1ec3m tra, gi\u00e1m s\u00e1t v\u1ed1n vay l\u00e0 quy\u1ec1n, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c TCTD.<\/li>\n<\/ul>\n<ol start=\"10\">\n<li>V\u1ec1 K\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o:<\/li>\n<\/ol>\n<ul>\n<li>Kh\u00f4ng h\u1ee3p l\u00fd v\u1ec1 c\u00e1ch b\u1ed1 c\u1ee5c ch\u01b0\u01a1ng:<\/li>\n<\/ul>\n<p>B\u1ed1 c\u1ee5c D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 \u0111\u01b0\u1ee3c chia th\u00e0nh 3 ch\u01b0\u01a1ng, g\u1ed3m: \u201cQuy \u0111\u1ecbnh chung\u201d, \u201cQuy \u0111\u1ecbnh c\u1ee5 th\u1ec3\u201d v\u00e0 \u201c\u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh\u201d l\u00e0 r\u1ea5t kh\u00f4ng h\u1ee3p l\u00fd, kh\u00f4ng c\u00f3 \u00fd ngh\u0129a c\u1ea3 v\u1ec1 khoa h\u1ecdc c\u0169ng nh\u01b0 tr\u00ean th\u1ef1c t\u1ebf. V\u00ec Ch\u01b0\u01a1ng I v\u00e0 III lu\u00f4n l\u00e0 c\u00e1c ch\u01b0\u01a1ng mang t\u00ednh c\u00f4ng th\u1ee9c, th\u1ee7 t\u1ee5c m\u1edf \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac c\u1ee7a v\u0103n b\u1ea3n m\u1eabu, Ch\u01b0\u01a1ng c\u00f2n l\u1ea1i \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 to\u00e0n b\u1ed9 n\u1ed9i dung ch\u00ednh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh.<\/p>\n<p>Vi\u1ec7c ph\u00e2n chia Ch\u01b0\u01a1ng nh\u01b0 v\u1eady, g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c gi\u1eefa c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong Ch\u01b0\u01a1ng \u201cQuy \u0111\u1ecbnh chung\u201d v\u00e0 Ch\u01b0\u01a1ng \u201cQuy \u0111\u1ecbnh c\u1ee5 th\u1ec3\u201d kh\u00e1c nhau nh\u01b0 th\u1ebf n\u00e0o. Hay n\u00f3i c\u00e1ch kh\u00e1c, kh\u00f4ng th\u1ebf x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ed9t \u0111i\u1ec1u c\u1ee5 th\u1ec3 t\u1ea1i sao l\u1ea1i \u0111\u1eb7t \u1edf Ch\u01b0\u01a1ng \u201cQuy \u0111\u1ecbnh chung\u201d m\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 \u1edf Ch\u01b0\u01a1ng \u201cQuy \u0111\u1ecbnh c\u1ee5 th\u1ec3\u201d v\u00e0 ng\u01b0\u1ee3c l\u1ea1i. V\u00ed d\u1ee5 \u0110i\u1ec1u 7 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n vay v\u1ed1n\u201d, \u0110i\u1ec1u 10 v\u1ec1 \u201cL\u00e3i su\u1ea5t cho vay\u201d hay \u0110i\u1ec1u 16 v\u1ec1 \u201cTr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay\u201d c\u0169ng nh\u01b0 nhi\u1ec1u \u0110i\u1ec1u kh\u00e1c \u0111ang \u0111\u1ec3 \u1edf Ch\u01b0\u01a1ng \u201cQuy \u0111\u1ecbnh chung\u201d, th\u00ec ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 chuy\u1ec3n sang Ch\u01b0\u01a1ng \u201cQuy \u0111\u1ecbnh c\u1ee5 th\u1ec3\u201d. Ng\u01b0\u1ee3c l\u1ea1i, \u0110i\u1ec1u 28 v\u1ec1 \u201cNh\u1eefng nhu c\u1ea7u v\u1ed1n kh\u00f4ng \u0111\u01b0\u1ee3c cho vay\u201d (nh\u1ea5t l\u00e0 l\u1ea1i c\u00f3 2 \u0110i\u1ec1u ri\u00eang) hay \u0110i\u1ec1u 29 v\u1ec1 \u201cPh\u01b0\u01a1ng th\u1ee9c cho vay\u201d c\u0169ng nh\u01b0 nhi\u1ec1u \u0110i\u1ec1u kh\u00e1c ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 chuy\u1ec3n sang Ch\u01b0\u01a1ng \u201cQuy \u0111\u1ecbnh chung\u201d. Kh\u00f4ng th\u1ebf ch\u1ea5p nh\u1eadn b\u1ed1 c\u1ee5c Th\u00f4ng t\u01b0 ch\u1ec9 c\u00f3 3 Ch\u01b0\u01a1ng trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p.<\/p>\n<p>V\u00ec v\u1eady ho\u1eb7c l\u00e0 c\u1ea7n ph\u1ea3i b\u1ecf h\u1eb3n c\u00e1c Ch\u01b0\u01a1ng, ch\u1ec9 c\u00f3 b\u1ed1 c\u1ee5c \u0110i\u1ec1u. Ho\u1eb7c l\u00e0 c\u1ea7n ph\u1ea3i b\u1ed1 c\u1ee5c \u00edt nh\u1ea5t th\u00e0nh 4 Ch\u01b0\u01a1ng, v\u00ed d\u1ee5 t\u00e1ch Ch\u01b0\u01a1ng II th\u00e0nh 2 Ch\u01b0\u01a1ng, trong \u0111\u00f3 Ch\u01b0\u01a1ng II l\u00e0 \u201cHo\u1ea1t \u0111\u1ed9ng cho vay \u0111\u1ed1i v\u1edbi c\u00e1c nhu c\u1ea7u v\u1ed1n ho\u1ea1t \u0111\u1ecdng kinh doanh\u2026\u201d v\u00e0 Ch\u01b0\u01a1ng III l\u00e0 \u201cHo\u1ea1t \u0111\u1ed9ng cho vay \u0111\u1ed1i v\u1edbi c\u00e1c nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 ti\u00eau d\u00f9ng\u201d.<\/p>\n<ul>\n<li>Kh\u00f4ng h\u1ee3p l\u00fd trong c\u00e1ch b\u1ed1 c\u1ee5c \u0110i\u1ec1u:<\/li>\n<\/ul>\n<p>C\u00f3 nhi\u1ec1u \u0111i\u1ec1u 2 \u0111i\u1ec1u \u0111ang \u0111\u1ec3 m\u1ed9t \u0111o\u1ea1n v\u0103n l\u01a1 l\u1eedng kh\u00f4ng thu\u1ed9c kh\u00f4ng thu\u1ed9c kho\u1ea3n n\u00e0o trong c\u00e1c \u0111i\u1ec1u \u0111\u01b0\u1ee3c b\u1ed1 c\u1ee5c theo kho\u1ea3n \u0111i\u1ec3m, nh\u01b0 c\u00e1c \u0111i\u1ec1u 7, 8, 17, 28, 29, 33, 34, 39, 40, 41.<\/p>\n<p>\u0110i\u1ec1u \u0111\u00f3 l\u00e0 tr\u00e1i v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 5 v\u1ec1 \u201cNg\u00f4n ng\u1eef, k\u1ef9 thu\u1eadt v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt\u201d, Lu\u1eadt Ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt n\u0103m 2008: \u201c<em>3. V\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u00f3 ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh r\u1ed9ng th\u00ec t\u00f9y theo n\u1ed9i dung c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ed1 c\u1ee5c theo ph\u1ea7n, ch\u01b0\u01a1ng, m\u1ee5c, \u0111i\u1ec1u, kho\u1ea3n, \u0111i\u1ec3m; \u0111\u1ed1i v\u1edbi v\u0103n b\u1ea3n c\u00f3 ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh h\u1eb9p th\u00ec b\u1ed1 c\u1ee5c theo c\u00e1c \u0111i\u1ec1u, kho\u1ea3n, \u0111i\u1ec3m<\/em>.\u201d<\/p>\n<p>V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb \u0111\u1ec1 ngh\u1ecb x\u1eed l\u00fd c\u1eaft b\u1ecf c\u00e1c \u0111o\u1ea1n v\u0103n l\u1eedng l\u01a1 l\u1eedng n\u00f3i tr\u00ean. Trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, vi\u1ec7c n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng m\u1ed9t trong 3 c\u00e1ch th\u1ee9c c\u01a1 b\u1ea3n nh\u01b0 sau:<\/p>\n<ul>\n<li><em>C\u00e1ch th\u1ee9 nh\u1ea5t:<\/em> B\u1ecf \u0111o\u1ea1n v\u0103n d\u1eabn d\u1eaft kh\u00f4ng thu\u1ed9c kho\u1ea3n n\u00e0o, \u0111\u1ed3ng th\u1eddi gi\u1eef nguy\u00ean c\u00e1c n\u1ed9i dung kh\u00e1c;<\/li>\n<li><em>C\u00e1ch th\u1ee9 hai:<\/em> B\u1ecf \u0111o\u1ea1n v\u0103n d\u1eabn d\u1eaft kh\u00f4ng thu\u1ed9c kho\u1ea3n n\u00e0o, \u0111\u1ed3ng th\u1eddi \u0111\u1ed5i t\u00ean \u0111i\u1ec1u cho ph\u00f9 h\u1ee3p;<\/li>\n<li><em>C\u00e1ch th\u1ee9 ba:<\/em> Chuy\u1ec3n \u0111o\u1ea1n v\u0103n d\u1eabn d\u1eaft kh\u00f4ng thu\u1ed9c kho\u1ea3n n\u00e0o th\u00e0nh m\u1ed9t kho\u1ea3n chung, c\u00e1c kho\u1ea3n c\u00f2n l\u1ea1i s\u1ebd tr\u1edf th\u00e0nh m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 kho\u1ea3n quy \u0111\u1ecbnh c\u1ee5 th\u1ec3.<\/li>\n<\/ul>\n<p>M\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n kh\u00e1c c\u1ea7n xem l\u1ea1i, t\u00e1ch nh\u1eadp, chuy\u1ec3n \u0111\u1ed5i. V\u00ed d\u1ee5 2 \u0110i\u1ec1u v\u1ec1 \u201cNh\u1eefng nhu c\u1ea7u v\u1ed1n kh\u00f4ng \u0111\u01b0\u1ee3c cho vay\u201d c\u1ea7n nh\u1eadp v\u00e0o th\u00e0nh 1 \u0110i\u1ec1u.<\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/p>\n<p><em>\u0110C:\u00a0<\/em><em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em><em>ANVI, t\u1ea7ng 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>","protected":false},"excerpt":{"rendered":"<p>(ANVI) &#8211; H\u1ed9i th\u1ea3o VNBA\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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 06-11-2015\u00a0\u00a0\u00a0\u00a0 &nbsp; B\u00ecnh lu\u1eadn chung: D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 c\u00f2n nhi\u1ec1u sai s\u00f3t, nhi\u1ec1u quy \u0111\u1ecbnh ch\u01b0a r\u00f5, ch\u01b0a h\u1ee3p l\u00fd v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 xung \u0111\u1ed9t ph\u00e1p lu\u1eadt, s\u1ebd g\u00e2y kh\u00f3 kh\u0103n \u0111\u1eb7c bi\u1ec7t cho c\u00e1c TCTD, nh\u1ea5t l\u00e0 v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 vi\u1ec7c thu n\u1ee3 tr\u01b0\u1edbc [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6333,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6332","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>255. 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