{"id":6663,"date":"2017-04-05T17:30:27","date_gmt":"2017-04-05T10:30:27","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6663"},"modified":"2022-02-14T21:37:39","modified_gmt":"2022-02-14T14:37:39","slug":"279-binh-luan-du-thao-luat-ho-tro-tai-co-cau-cac-tctd-va-xu-ly-no-xau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/279-binh-luan-du-thao-luat-ho-tro-tai-co-cau-cac-tctd-va-xu-ly-no-xau\/","title":{"rendered":"279. B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Lu\u1eadt h\u1ed7 tr\u1ee3 t\u00e1i c\u01a1 c\u1ea5u c\u00e1c TCTD v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u."},"content":{"rendered":"(ANVI) – H\u1ed9i \u0111\u1ed3ng Th\u1ea9m \u0111\u1ecbnh – B\u1ed9 T\u01b0 ph\u00e1p\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\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 05-4-2017<\/em><\/strong><\/p>\n

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  1. V\u1ec1 t\u00ean Lu\u1eadt:<\/strong><\/li>\n<\/ol>\n

    1.1.\u00a0\u00a0\u00a0\u00a0 D\u1ef1 th\u1ea3o Lu\u1eadt n\u00e0y g\u1ed3m 3 ph\u1ea7n g\u1ea7n nh\u01b0 \u0111\u1ed9c l\u1eadp, kh\u00f4ng li\u00ean quan \u0111\u1ebfn nhau, \u0111\u00f3 l\u00e0: X\u1eed l\u00fd c\u00e1c TCTD y\u1ebfu k\u00e9m, x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c TCTD v\u00e0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec3u c\u1ee7a Lu\u1eadt c\u00e1c TCTD.<\/p>\n

    1.2.\u00a0\u00a0\u00a0\u00a0 T\u00ean D\u1ef1 th\u1ea3o Lu\u1eadt l\u00e0 \u201cLu\u1eadt H\u1ed7 tr\u1ee3 t\u00e1i c\u01a1 c\u1ea5u c\u00e1c TCTD v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u\u201d, v\u1eeba ch\u01b0a bao qu\u00e1t \u0111\u01b0\u1ee3c 3 n\u1ed9i dung tr\u00ean, \u0111\u1ed3ng th\u1eddi c\u1ee5m t\u1eeb \u201cH\u1ed7 tr\u1ee3 t\u00e1i c\u01a1 c\u1ea5u c\u00e1c TCTD\u201d l\u1ea1i r\u1ed9ng h\u01a1n nhi\u1ec1u so v\u1edbi ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh t\u1ea1i ch\u00ednh \u0110i\u1ec1u 1 ch\u1ec9 l\u00e0 “x\u1eed l\u00fd TCTD y\u1ebfu k\u00e9m”.<\/p>\n

    1.3.\u00a0\u00a0\u00a0\u00a0 V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb s\u1eeda t\u00ean Lu\u1eadt th\u00e0nh th\u00e0nh \u201cLu\u1eadt x\u1eed l\u00fd c\u00e1c TCTD y\u1ebfu k\u00e9m, x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00e0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt C\u00e1c TCTD\u201d.<\/p>\n

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    1. V\u1ec1 ph\u1ea1m vi \u00e1p d\u1ee5ng:<\/strong><\/li>\n<\/ol>\n

      2.1.\u00a0\u00a0\u00a0\u00a0 Theo D\u1ef1 th\u1ea3o, quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng l\u00e2u d\u00e0i, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 trong m\u1ed9t giai \u0111o\u1ea1n. V\u1eady th\u00ec c\u1ea7n t\u1eadp h\u1ee3p m\u1ecdi v\u01b0\u1edbng m\u1eafc c\u0169 v\u00e0 m\u1edbi \u0111\u1ec3 x\u1eed l\u00fd. V\u00ed d\u1ee5 nh\u01b0 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 nh\u01b0 sau:<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u01b0\u1ee3c k\u00e9o d\u00e0i th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 c\u1ee7a TCTD nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2011, ch\u1ee9 kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n ch\u1ec9 c\u00f2n 3 n\u0103m nh\u01b0 quy \u0111\u1ecbnh m\u1edbi t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u00f2a \u00e1n \u0111\u01b0\u1ee3c quy\u1ec1n th\u1ee5 l\u00fd, chu\u1ea9n b\u1ecb x\u00e9t x\u1eed v\u00e0 x\u00e9t x\u1eed ho\u00e0n to\u00e0n v\u1eafng m\u1eb7t b\u1ecb \u0111\u01a1n sau khi \u0111\u00e3 t\u1ed1ng \u0111\u1ea1t v\u00e0 ni\u00eam y\u1ebft gi\u1ea5y t\u1edd h\u1ee3p l\u1ec7 \u0111\u1ebfn \u0111\u1ecba ch\u1ec9 c\u01b0 tr\u00fa (l\u00e2u nay quy \u0111\u1ecbnh x\u00e9t x\u1eed theo th\u1ee7 t\u1ee5c chung, nh\u01b0ng v\u1eabn b\u1ebf t\u1eafc \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p v\u1eb1ng m\u1eb7t t\u1eeb \u0111\u1ea7u);<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Vi\u1ec7c th\u1ebf ch\u1ea5p hay b\u1ea3o \u0111\u1ea3m kh\u00e1c trong tr\u01b0\u1eddng h\u1ee3p thi\u1ebfu m\u1ed9t ng\u01b0\u1eddi v\u1ee3 ho\u1eb7c ch\u1ed3ng ho\u1eb7c thi\u1ebfu m\u1ed9t s\u1ed1 ch\u1ee7 s\u1edf h\u1eefu (ch\u1ee7 s\u1eed d\u1ee5ng) chung th\u00ec \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn x\u1eed l\u00fd ph\u1ea7n t\u01b0\u01a1ng \u1ee9ng c\u1ee7a ng\u01b0\u1eddi \u0111\u00e3 \u0111\u1ed3ng \u00fd k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m h\u1ee3p ph\u00e1p (thay v\u00ec v\u00f4 hi\u1ec7u to\u00e0n b\u1ed9 nh\u01b0 hi\u1ec7n nay);<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 TCTD kh\u00f4ng ph\u1ea3i \u201ctr\u00edch l\u1ea1i t\u1eeb s\u1ed1 ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u1ec3 ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n thu\u00ea nh\u00e0 ph\u00f9 h\u1ee3p v\u1edbi gi\u00e1 thu\u00ea nh\u00e0 trung b\u00ecnh t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng trong th\u1eddi h\u1ea1n 01 n\u0103m\u201d trong tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i c\u01b0\u1ee1ng ch\u1ebf giao nh\u00e0 l\u00e0 nh\u00e0 \u1edf duy nh\u1ea5t c\u1ee7a ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 5, \u0110i\u1ec1u 115 v\u1ec1 \u201cC\u01b0\u1ee1ng ch\u1ebf tr\u1ea3 nh\u00e0, giao nh\u00e0 \u201c, 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). V\u00ec tr\u00e1ch nhi\u1ec7m n\u00e0y ph\u1ea3i l\u00e0 c\u1ee7a Nh\u00e0 n\u01b0\u1edbc;<\/p>\n

      –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u1ea7n vi\u1ebft l\u1ea1i v\u00e0 thay th\u1ebf quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 v\u1ec1 vi\u1ec7c n\u1eafm gi\u1eef b\u1ea5t \u0111\u1ed9ng s\u1ea3n trong 3 n\u0103m \u0111ang \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n <\/a><\/a>3, \u0110i\u1ec1u 132 v\u1ec1 \u201cKinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u201d, Lu\u1eadt c\u00e1c TCTD n\u0103m 2010.<\/p>\n

      2.2.\u00a0\u00a0\u00a0\u00a0 Tuy nhi\u00ean, \u0111\u1ec1 ngh\u1ecb xem x\u00e9t ch\u1ec9 \u00e1p d\u1ee5ng quy \u0111\u1ecbnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u ph\u00e1t sinh trong m\u1ed9t giai \u0111o\u1ea1n nh\u1ea5t \u0111\u1ecbnh (ch\u1eb3ng h\u1ea1n tr\u01b0\u1edbc 31-12-2016), v\u1edbi m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh (ch\u1eb3ng h\u1ea1n 5 n\u0103m). \u0110\u1ed3ng th\u1eddi c\u1ea7n xem x\u00e9t m\u1edf r\u1ed9ng kh\u00f4ng ch\u1ec9 x\u1eed l\u00fd n\u1ee3 x\u1ea5u\u00a0c\u1ee7a c\u00e1c TCTD m\u00e0 l\u00e0 n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c doanh nghi\u1ec7p v\u00e0 n\u1ec1n kinh t\u1ebf. C\u00f2n vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u b\u00ecnh th\u01b0\u1eddng c\u1ee7a c\u00e1c TCTD c\u0169ng nh\u01b0 c\u1ee7a n\u1ec1n kinh t\u1ebf n\u00f3i chung th\u00ec c\u1ea7n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nh\u01b0 b\u00ecnh th\u01b0\u1eddng, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 c\u00f4ng b\u1eb1ng. N\u1ebfu c\u00f3 s\u1ef1u b\u1ea5t h\u1ee3p l\u00fd th\u00ec c\u1ea7n s\u1eeda \u0111\u1ed5i lu\u1eadt chung.<\/p>\n

      2.3.\u00a0\u00a0\u00a0\u00a0 Hi\u1ec7n nay hai ph\u1ea7n x\u1eed l\u00fd c\u00e1c TCTD y\u1ebfu k\u00e9m v\u00e0 ph\u1ea7n x\u1eed l\u00fd n\u1ee3 x\u1ea5u kh\u00f4ng c\u00f3 m\u1ed1i quan h\u1ec7 ch\u1eb7t ch\u1ebd v\u1edbi nhau, n\u00ean c\u00f3 th\u1ec3 t\u00e1ch ra th\u00e0nh 2 \u0111\u1ea1o lu\u1eadt \u0111\u1ed9c l\u1eadp. Tr\u01b0\u1eddng h\u1ee3p gi\u1eef nguy\u00ean th\u00ec trong ph\u1ea7n \u201cx\u1eed l\u00fd c\u00e1c TCTD y\u1ebfu k\u00e9m\u201d \u00edt nh\u1ea5t c\u1ea7n c\u00f3 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n quy \u0111\u1ecbnh r\u00f5 l\u00e0 trong \u0111\u00f3 c\u00f3 vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m s\u1ef1 k\u1ebft n\u1ed1i v\u1edbi ph\u1ea7n \u201cx\u1eed l\u00fd n\u1ee3 x\u1ea5u\u201d, tr\u00e1nh t\u00ecnh tr\u1ea1ng 2 ph\u1ea7n n\u00e0y ho\u00e0n to\u00e0n ri\u00eang bi\u1ec7t, r\u1eddi r\u1ea1c, kh\u00f4ng c\u00f3 l\u00fd do g\u00ec \u0111\u1ec3 quy \u0111\u1ecbnh chung trong m\u1ed9t \u0111\u1ea1o lu\u1eadt m\u00e0 ngay t\u1eeb t\u00ean Lu\u1eadt \u0111\u00e3 ph\u00e2n bi\u1ec7t r\u00f5 2 ph\u1ea7n kh\u00e1c nhau.<\/p>\n

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      1. V\u1ec1 vi\u1ec7c mua to\u00e0n b\u1ed9 v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u1edbi gi\u00e1 0 \u0111\u1ed3ng:<\/strong><\/li>\n<\/ol>\n

        3.1.\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 5, \u0110i\u1ec1u 4 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d; kho\u1ea3n 7, \u0110i\u1ec1u 16 v\u1ec1 \u201cX\u00e2y d\u1ef1ng v\u00e0 ph\u00ea duy\u1ec7t ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i TCTD y\u1ebfu k\u00e9m\u201d; kho\u1ea3n 3, \u0110i\u1ec1u 21 v\u1ec1 \u201cT\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i\u201d; \u0111i\u1ec3m c, kho\u1ea3n 1, \u0110i\u1ec1u 24 v\u1ec1 \u201cH\u00ecnh th\u1ee9c x\u1eed l\u00fd ph\u00e1p nh\u00e2n\u201d; \u0110i\u1ec1u 28 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n mua b\u1eaft bu\u1ed9c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m\u201d v\u00e0 11 \u0111i\u1ec1u kh\u00e1c trong M\u1ee5c 6 v\u1ec1 \u201cX\u00e2y d\u1ef1ng, ph\u00ea duy\u1ec7t v\u00e0 th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n mua b\u1eaft bu\u1ed9c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m\u201d (t\u1eeb \u0110i\u1ec1u 29 \u0111\u1ebfn 39) quy \u0111\u1ecbnh m\u1ed9t trong c\u00e1c h\u00ecnh th\u1ee9c x\u1eed l\u00fd ph\u00e1p nh\u00e2n l\u00e0 \u201cmua to\u00e0n b\u1ed9 v\u1ed1n \u0111i\u1ec1u l\u1ec7\u201d, quy \u0111\u1ecbnh \u201cmua b\u1eaft bu\u1ed9c\u201d, \u201cch\u1ee7 th\u1ec3 mua\u201d, \u201cgi\u00e1 mua 0 \u0111\u1ed3ng\u201d. Tuy nhi\u00ean, c\u1ea7n ph\u1ea3i xem x\u00e9t l\u1ea1i quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c mua to\u00e0n b\u1ed9 v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u1edbi gi\u00e1 0 \u0111\u1ed3ng v\u1edbi 5 l\u00fd do d\u01b0\u1edbi \u0111\u00e2y.<\/p>\n

        3.2.\u00a0\u00a0\u00a0\u00a0 Th\u1ee9 nh\u1ea5t, quy \u0111\u1ecbnh vi\u1ec7c mua 0 \u0111\u1ed3ng l\u00e0 vi Hi\u1ebfn:<\/em><\/strong><\/p>\n

        V\u00ec nh\u01b0 v\u1eady \u0111\u00e3 \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ee7 nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n h\u1ee3p ph\u00e1p c\u1ee7a c\u1ed5 \u0111\u00f4ng, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o TCTD b\u1eb1ng c\u01a1 ch\u1ebf h\u00e0nh ch\u00ednh.<\/p>\n

        Kho\u1ea3n 2, \u0110i\u1ec1u 32, Hi\u1ebfn ph\u00e1p n\u0103m 2013 quy \u0111\u1ecbnh, \u201c2. Quy\u1ec1n s\u1edf h\u1eefu t\u01b0 nh\u00e2n v\u00e0 quy\u1ec1n th\u1eeba k\u1ebf \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt b\u1ea3o h\u1ed9<\/em>\u201d. Kho\u1ea3n 3, \u0110i\u1ec1u 32, Hi\u1ebfn ph\u00e1p n\u0103m 2013 quy \u0111\u1ecbnh, \u201c3. Tr\u01b0\u1eddng h\u1ee3p th\u1eadt c\u1ea7n thi\u1ebft v\u00ec l\u00fd do qu\u1ed1c ph\u00f2ng, an ninh ho\u1eb7c v\u00ec l\u1ee3i \u00edch qu\u1ed1c gia, t\u00ecnh tr\u1ea1ng kh\u1ea9n c\u1ea5p, ph\u00f2ng, ch\u1ed1ng thi\u00ean tai, Nh\u00e0 n\u01b0\u1edbc tr\u01b0ng mua ho\u1eb7c tr\u01b0ng d\u1ee5ng c\u00f3 b\u1ed3i th\u01b0\u1eddng t\u00e0i s\u1ea3n c\u1ee7a t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n theo gi\u00e1 th\u1ecb tr\u01b0\u1eddng.<\/em>\u201d<\/p>\n

        D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh mua b\u1eaft bu\u1ed9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a ph\u00e1p nh\u00e2n, nh\u01b0ng C\u1ed3 \u0111\u00f4ng kh\u00f4ng c\u00f3 l\u1ed7i, kh\u00f4ng b\u00e1n c\u1ed5 ph\u1ea7n (d\u00f9 l\u00e0 t\u1ef1 nguy\u1ec7n hay b\u1eaft bu\u1ed9c), nh\u01b0ng b\u1ed7ng d\u01b0ng l\u1ea1i m\u1ea5t quy\u1ec1n s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n. \u0110i\u1ec1u n\u00e0y ho\u00e0n to\u00e0n kh\u00e1c v\u1edbi vi\u1ec7c ch\u1ee7 s\u1edf h\u1eefu bi\u1ec3u quy\u1ebft gi\u1ea3i th\u1ec3 doanh nghi\u1ec7p hay doanh nghi\u1ec7p b\u1ecb tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n.<\/p>\n

        \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0, Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c ph\u00e9p tr\u01b0ng mua v\u00e0 mua t\u00e0i s\u1ea3n theo gi\u00e1 th\u1ecb tr\u01b0\u1eddng, nh\u01b0ng kh\u00f4ng th\u1ec3 \u1ea5n \u0111\u1ecbnh s\u1eb5n l\u00e0 ph\u1ea3i b\u1eb1ng 0 \u0111\u1ed3ng. Vi\u1ec7c mua 3 ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng tr\u01b0\u1edbc \u0111\u00e2y do \u0111\u1ecbnh gi\u00e1 0 \u0111\u1ed3ng. Tuy nhi\u00ean v\u1eabn c\u1eabn ph\u1ea3i gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 th\u1ef1c t\u1ebf l\u00e0 c\u1ed5 ph\u1ea7n, c\u1ed3 phi\u1ebfu c\u1ee7a 3 ng\u00e2n h\u00e0ng tr\u01b0\u1edbc khi b\u1ecb mua 0 \u0111\u1ed3ng v\u1eabn c\u00f3 gi\u00e1 m\u1ed9t v\u00e0i ngh\u00ecn \u0111\u1ed3ng ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 0 d\u1ed3ng.<\/p>\n

        C\u1ea7n ph\u1ea3i quy \u0111\u1ecbnh th\u1ef1c hi\u1ec7n t\u01b0\u01a1ng t\u1ef1 nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 tr\u01b0ng mua t\u00e0i s\u1ea3n. Kho\u1ea3n 2 \u0110i\u1ec1u 18 v\u1ec1 \u201cGi\u00e1 tr\u01b0ng mua t\u00e0i s\u1ea3n\u201d, Lu\u1eadt Tr\u01b0ng mua, tr\u01b0ng d\u1ee5ng t\u00e0i s\u1ea3n n\u0103m 2008 quy \u0111\u1ecbnh: Gi\u00e1 tr\u01b0ng mua t\u00e0i s\u1ea3n do ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n tr\u01b0ng mua v\u00e0 ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh tr\u01b0ng mua t\u00e0i s\u1ea3n th\u1ecfa thu\u1eadn theo nguy\u00ean t\u1eafc x\u00e1c \u0111\u1ecbnh c\u0103n c\u1ee9 v\u00e0o gi\u00e1 ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u00e0 \u0111\u01b0\u1ee3c ghi v\u00e0o quy\u1ebft \u0111\u1ecbnh tr\u01b0ng mua t\u00e0i s\u1ea3n. \u201cTr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c th\u00ec ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh tr\u01b0ng mua t\u00e0i s\u1ea3n quy\u1ebft \u0111\u1ecbnh gi\u00e1 tr\u01b0ng mua t\u00e0i s\u1ea3n; n\u1ebfu ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n tr\u01b0ng mua kh\u00f4ng \u0111\u1ed3ng \u00fd v\u1edbi gi\u00e1 n\u00e0y th\u00ec v\u1eabn ph\u1ea3i ch\u1ea5p h\u00e0nh nh\u01b0ng c\u00f3 quy\u1ec1n khi\u1ebfu n\u1ea1i<\/em>\u201d.<\/p>\n

        V\u00ec v\u1eady, Lu\u1eadt ch\u1ec9 c\u00f3 th\u1ec3 quy \u0111\u1ecbnh, trong tr\u01b0\u1eddng h\u1ee3p NHNN quy\u1ebft \u0111\u1ecbnh gi\u00e1 mua, th\u00ec c\u0103n c\u1ee9 v\u00e0o k\u1ebft qu\u1ea3 th\u1ea9m \u0111\u1ecbnh gi\u00e1.<\/p>\n

        3.3.\u00a0\u00a0\u00a0\u00a0 Th\u1ee9 hai, vi\u1ec7c mua v\u1ed1n \u0111i\u1ec1u l\u1ec7 l\u00e0 tr\u00e1i v\u1edbi nguy\u00ean l\u00fd c\u01a1 b\u1ea3n:<\/em><\/strong><\/p>\n

        \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i c\u00e1c \u0111i\u1ec1u t\u1eeb \u0110i\u1ec1u 192 \u0111\u1ebfn 195 c\u1ee7a Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2014 v\u00e0 c\u00e1c \u0111i\u1ec1u t\u1eeb \u0110i\u1ec1u 88 \u0111\u1ebfn 91 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Theo \u0111\u00f3, ch\u1ec9 c\u00f3 chia, t\u00e1ch, h\u1ee3p nh\u1ea5t v\u00e0 s\u00e1p nh\u1eadp c\u00e1c doanh nghi\u1ec7p l\u00e0 ph\u00e1p nh\u00e2n ch\u1ee9 kh\u00f4ng c\u00f3 vi\u1ec7c mua b\u00e1n ph\u00e1p nh\u00e2n hay mua b\u00e1n v\u1ed1n \u0111i\u1ec1u l\u1ec7.<\/p>\n

        Ch\u1ec9 c\u00f3 doanh nghi\u1ec7p t\u01b0 nh\u00e2n th\u00ec m\u1edbi c\u00f3 vi\u1ec7c mua b\u00e1n doanh nghi\u1ec7p, v\u00ec doanh nghi\u1ec7p t\u01b0 nh\u00e2n th\u00ec doanh nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n g\u1ea7n nh\u01b0 \u0111\u1ed3ng nh\u1ea5t l\u00e0 m\u1ed9t, c\u00f2n \u0111\u1ed1i v\u1edbi c\u00e1c TCTD th\u00ec lu\u00f4n song h\u00e0nh hai ch\u1ee7 th\u1ec3 l\u00e0 ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n kh\u00e1c l\u00e0 th\u00e0nh vi\u00ean. C\u00f2n mua b\u00e1n hay chuy\u1ec3n nh\u01b0\u1ee3ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u00ec ph\u1ea3i l\u00e0 mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng v\u1edbi ch\u1ee7 s\u1edf h\u1eefu, ch\u1ee9 kh\u00f4ng ph\u1ea3i mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng v\u1edbi TCTD.<\/p>\n

        V\u00ed d\u1ee5 c\u1ee5 th\u1ec3 v\u1ec1 m\u1ed9t TCTD c\u1ed5 ph\u1ea7n, th\u00ec c\u00e1c TCTD kh\u00e1c v\u00e0 NHNN ch\u1ec9 c\u00f3 th\u1ec3 mua, \u0111\u1ed3ng th\u1eddi TCTD y\u1ebfu k\u00e9m ch\u1ec9 c\u00f3 th\u1ec3 b\u00e1n t\u00e0i s\u1ea3n trong tr\u01b0\u1eddng h\u1ee3p sau:<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mua b\u00e1n t\u00e0i s\u1ea3n (g\u1ed3m v\u1eadt, ti\u1ec1n, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 v\u00e0 quy\u1ec1n t\u00e0i s\u1ea3n) c\u1ee7a c\u00f4ng ty, nh\u01b0ng kh\u00f4ng c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7;<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mua b\u00e1n c\u1ed5 ph\u1ea7n ph\u00e1t h\u00e0nh khi c\u00f4ng ty m\u1edbi \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp;<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mua b\u00e1n c\u1ed5 ph\u1ea7n do c\u00f4ng ty ph\u00e1t h\u00e0nh th\u00eam cho c\u1ed5 \u0111\u00f4ng;<\/p>\n

        –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mua b\u00e1n c\u1ed5 phi\u1ebfu qu\u1ef9 (mua b\u00e1n l\u1ea1i c\u1ed5 phi\u1ebfu \u0111\u00e3 ph\u00e1t h\u00e0nh gi\u1eefa c\u00f4ng ty v\u00e0 c\u1ed5 \u0111\u00f4ng).<\/p>\n

        3.4.\u00a0\u00a0\u00a0\u00a0 Th\u1ee9 ba, thi\u1ebfu m\u1ed9t b\u00ean trong quan h\u1ec7 mua b\u00e1n:<\/em><\/strong><\/p>\n

        D\u1ef1 th\u1ea3o Lu\u1eadt quy \u0111\u1ecbnh ch\u1ec9 c\u00f3 b\u00ean mua v\u1ed1n \u0111i\u1ec1u l\u1ec7 (l\u00e0 TCTD kh\u00e1c ho\u1eb7c NHNN), nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u00e2u l\u00e0 b\u00ean b\u00e1n v\u1ed1n \u0111i\u1ec1u l\u1ec7. B\u00ean b\u00e1n, n\u1ebfu c\u00f3 th\u00ec ph\u1ea3i l\u00e0 c\u00e1c c\u1ed5 \u0111\u00f4ng c\u00f4ng ty c\u1ed5 ph\u1ea7n hay th\u00e0nh vi\u00ean c\u00f4ng ty TNHH ho\u1eb7c th\u00e0nh vi\u00ean qu\u1ef9, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ch\u00ednh ph\u00e1p nh\u00e2n.<\/p>\n

        V\u00ed d\u1ee5 trong m\u1ed9t ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n, th\u00ec T\u1ed5ng gi\u00e1m \u0111\u1ed1c, Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb – ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt hay H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, cho \u0111\u1ebfn \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng, c\u0169ng kh\u00f4ng m\u1ed9t ai c\u00f3 quy\u1ec1n b\u00e1n ng\u00e2n h\u00e0ng hay b\u00e1n c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu hay v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a c\u1ed5 \u0111\u00f4ng, d\u00f9 c\u00f3 bi\u1ec3u quy\u1ebft t\u1ef1 nguy\u1ec7n hay b\u1eaft bu\u1ed9c nh\u1ea5t tr\u00ed 100%.<\/p>\n

        S\u1ed1 c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu, v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a c\u00e1c TCTD y\u1ebfu k\u00e9m \u0111ang thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a c\u1ed5 \u0111\u00f4ng th\u00ec ch\u1ec9 c\u1ed5 \u0111\u00f4ng m\u1edbi c\u00f3 quy\u1ec1n b\u00e1n. Ch\u01b0a k\u1ec3, n\u1ebfu g\u1ecdi m\u1ed9t c\u00e1ch th\u1eadt \u0111\u00fang thu\u1eadt ng\u1eef th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c mua b\u00e1n c\u1ed5 phi\u1ebfu tr\u00ean s\u00e0n ch\u1ee9ng kho\u00e1n, ch\u1ee9 \u0111\u1ed1i v\u1edbi c\u1ed3 ph\u1ea7n b\u00ecnh th\u01b0\u1eddng th\u00ec ch\u1ec9 l\u00e0 giao d\u1ecbch chuy\u1ec3n nh\u01b0\u1ee3ng kh\u00f4ng ph\u1ea3i l\u00e0 mua b\u00e1n v\u1ed1n, c\u1ed5 ph\u1ea7n.<\/p>\n

        V\u00ec v\u1eady, n\u1ebfu quy \u0111\u1ecbnh mua b\u1eaft bu\u1ed9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u00ec ph\u1ea3i l\u00e0 mua c\u1ee7a c\u1ed5 \u0111\u00f4ng, ch\u1ee9 kh\u00f4ng th\u1ec3 l\u00e0 mua c\u1ee7a ph\u00e1p nh\u00e2n TCTD.<\/p>\n

        3.5.\u00a0\u00a0\u00a0\u00a0 Th\u1ee9 t\u01b0, vi\u1ec7c mua b\u1eaft bu\u1ed9c l\u00e0 r\u1ea5t t\u1ed1n k\u00e9m:<\/em><\/strong><\/p>\n

        Vi\u1ec7c mua 0 \u0111\u1ed3ng ch\u00ec l\u00e0 t\u01b0\u1ee3ng tr\u01b0ng, c\u00f2n mu\u1ed1n duy tr\u00ec \u0111\u01b0\u1ee3c TCTD y\u1ebfu k\u00e9m, \u00e2m v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u00ec r\u1ea5t ph\u1ee9c t\u1ea1p, t\u1ed1n k\u00e9m, d\u00f9 l\u00e0 h\u1ed7 tr\u1ee3 tr\u1ef1c ti\u1ebfp hay gi\u00e1n ti\u1ebfp.<\/p>\n

        Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 31 v\u1ec1 \u201cBi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 TCTD y\u00eau k\u00e9m \u0111\u01b0\u1ee3c mua b\u1eaft bu\u1ed9c\u201d C\u00e1c TCTD \u0111\u01b0\u1ee3c mua b\u1eaft bu\u1ed9c \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng 1 trong 7 bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 sau \u0111\u00e2y:<\/p>\n

        (1)\u00a0\u00a0\u00a0 Bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 th\u1ee9 nh\u1ea5t,<\/em> g\u1ed3m c\u00e1c bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 th\u1ef1c tr\u1ea1ng ho\u1ea1t \u0111\u1ed9ng (\u0110i\u1ec1u 19) v\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh (\u0110i\u1ec1u 20) (tu\u1ef7 thu\u1ed9c l\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00f4ng ty t\u00e0i ch\u00ednh, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4) bao g\u1ed3m:<\/p>\n

        (1a)\u00a0\u00a0\u00a0\u00a0 Trong th\u1eddi h\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, TCTD y\u1ebfu k\u00e9m kh\u00f4ng ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c TCTD v\u00e0 h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN;<\/p>\n

        (2a)\u00a0\u00a0\u00a0\u00a0 Trong th\u1eddi h\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, TCTD y\u1ebfu k\u00e9m th\u1ef1c hi\u1ec7n c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t;<\/p>\n

        (3a)\u00a0\u00a0\u00a0\u00a0 Vi\u1ec7c x\u00e1c \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a TCTD y\u1ebfu k\u00e9m \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ef1a tr\u00ean v\u1ed1n \u0111i\u1ec1u l\u1ec7 danh ngh\u0129a ho\u1eb7c s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 \u0111\u01b0\u1ee3c g\u00f3p th\u00eam v\u00e0o TCTD y\u1ebfu k\u00e9m;<\/p>\n

        (4a)\u00a0\u00a0\u00a0\u00a0 Vi\u1ec7c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro c\u1ee7a TCTD y\u1ebfu k\u00e9m \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c tr\u1ea1ng k\u1ebft qu\u1ea3 ch\u00eanh l\u1ec7ch thu chi trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD y\u1ebfu k\u00e9m trong t\u1eebng th\u1eddi k\u1ef3<\/p>\n

        (5a)\u00a0\u00a0\u00a0\u00a0 TCTD y\u1ebfu k\u00e9m l\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 sau:<\/p>\n

        (6a)\u00a0\u00a0\u00a0\u00a0 B\u00e1n n\u1ee3 x\u1ea5u kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ho\u1eb7c n\u1ee3 x\u1ea5u c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111ang b\u1ecb k\u00ea bi\u00ean theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt cho VAMC.<\/p>\n

        (7a)\u00a0\u00a0\u00a0\u00a0 Vay t\u00e1i c\u1ea5p v\u1ed1n, vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a NHNN theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t;<\/p>\n

        (8a)\u00a0\u00a0\u00a0\u00a0 \u0110\u01b0\u1ee3c mi\u1ec5n ho\u1eb7c gi\u1ea3m t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 th\u1eddi h\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t.<\/p>\n

        (9a)\u00a0\u00a0\u00a0\u00a0 \u0110\u01b0\u1ee3c h\u1ea1ch to\u00e1n d\u1ea7n v\u00e0o chi ph\u00ed \u0111\u1ed1i v\u1edbi ph\u1ea7n ch\u00eanh l\u1ec7ch gi\u1eefa gi\u00e1 b\u00e1n n\u1ee3\/kho\u1ea3n ph\u1ea3i thu\/kho\u1ea3n \u0111\u1ea7u t\u01b0 g\u00f3p v\u1ed1n v\u1edbi gi\u00e1 tr\u1ecb ghi s\u1ed5 c\u1ee7a c\u00e1c kho\u1ea3n tr\u00ean ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a TCTD y\u1ebfu k\u00e9m theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 10 n\u0103m;<\/p>\n

        (10a)\u00a0 Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 \u0111\u01b0\u1ee3c vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi Vi\u1ec7t Nam v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 0% theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 th\u1eddi h\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t;<\/p>\n

        (11a)\u00a0 C\u00f4ng ty t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 \u0111\u01b0\u1ee3c vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 0% theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 th\u1eddi h\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t.<\/p>\n

        (12a)\u00a0 C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c h\u1ea1ch to\u00e1n d\u1ea7n v\u00e0o chi ph\u00ed \u0111\u1ed1i v\u1edbi ph\u1ea7n ch\u00eanh l\u1ec7ch gi\u1eefa gi\u00e1 b\u00e1n n\u1ee3\/kho\u1ea3n ph\u1ea3i thu\/kho\u1ea3n \u0111\u1ea7u t\u01b0 g\u00f3p v\u1ed1n v\u1edbi gi\u00e1 tr\u1ecb ghi s\u1ed5 c\u1ee7a c\u00e1c kho\u1ea3n tr\u00ean ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 10 n\u0103m.<\/p>\n

        (13a)\u00a0 Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n nh\u1eadn ti\u1ec1n g\u1eedi ho\u1eb7c vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a Ng\u00e2n h\u00e0ng H\u1ee3p t\u00e1c x\u00e3 Vi\u1ec7t Nam v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 th\u1eddi h\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t.<\/p>\n

        (14a)\u00a0 C\u00e1c bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 kh\u00e1c theo Ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t ph\u00f9 h\u1ee3p th\u1ef1c tr\u1ea1ng c\u1ee7a TCTD y\u1ebfu k\u00e9m.<\/p>\n

        (2)\u00a0\u00a0\u00a0 Bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 th\u1ee9 hai:<\/em> \u0110\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 c\u1ea5p v\u1ed1n \u0111\u1ec3 b\u1ed5 sung v\u1ed1n \u0111i\u1ec1u l\u1ec7;<\/p>\n

        (3)\u00a0\u00a0\u00a0 Bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 th\u1ee9 ba:<\/em> \u0110\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 cho vay d\u00e0i h\u1ea1n v\u1edbi l\u00e3i su\u1ea5t \u0111\u1ebfn 0%;<\/p>\n

        (4)\u00a0\u00a0\u00a0 Bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 th\u1ee9 t\u01b0:<\/em> Vay t\u00e1i c\u1ea5p v\u1ed1n c\u1ee7a NHNN v\u1edbi l\u00e3i su\u1ea5t \u0111\u1ebfn 0% trong th\u1eddi gian theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 th\u1eddi h\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t. H\u00ecnh th\u1ee9c cho vay t\u00e1i c\u1ea5p v\u1ed1n bao g\u1ed3m: cho vay l\u1ea1i theo h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng; cho vay t\u00e1i c\u1ea5p v\u1ed1n d\u01b0\u1edbi h\u00ecnh th\u1ee9c cho vay c\u1ea7m c\u1ed1 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1; cho vay t\u00e1i c\u1ea5p v\u1ed1n tr\u00ean c\u01a1 s\u1edf tr\u00e1i phi\u1ebfu \u0111\u1eb7c bi\u1ec7t do VAMC ph\u00e1t h\u00e0nh \u0111\u1ec3 mua n\u1ee3 v\u1edbi s\u1ed1 d\u01b0 t\u1ed1i \u0111a b\u1eb1ng t\u1ed5ng m\u1ec7nh gi\u00e1 tr\u00e1i phi\u1ebfu \u0111\u1eb7c bi\u1ec7t;<\/p>\n

        (5)\u00a0\u00a0\u00a0 Bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 th\u1ee9 n\u0103m:<\/em> Vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a NHNN v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ebfn 0% trong th\u1eddi gian theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 th\u1eddi h\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t;<\/p>\n

        (6)\u00a0\u00a0\u00a0 Bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 th\u1ee9 s\u00e1u:<\/em> Nh\u1eadn ti\u1ec1n g\u1eedi ho\u1eb7c vay c\u1ee7a TCTD h\u1ed7 tr\u1ee3 v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i trong th\u1eddi gian theo Ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nh\u01b0ng kh\u00f4ng qu\u00e1 th\u1eddi h\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t;<\/p>\n

        (7)\u00a0\u00a0\u00a0 Bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 th\u1ee9 b\u1ea3y:<\/em> Mua n\u1ee3, tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 \u0111ang \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i nh\u00f3m n\u1ee3 \u0111\u1ee7 ti\u00eau chu\u1ea9n theo quy \u0111\u1ecbnh c\u1ee7a NHNN.<\/p>\n

        Nh\u01b0 v\u1eady, v\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 v\u00f4 c\u00f9ng to l\u1edbn k\u1ec3 tr\u00ean, th\u00ec ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 chi tr\u1ea3 cho c\u00f4ng ch\u00fang g\u1eedi ti\u1ec1n, \u0111\u1ed3ng th\u1eddi v\u1edbi vi\u1ec7c ti\u1ebfn h\u00e0nh gi\u1ea3i th\u1ec3, ph\u00e1 s\u1ea3n doanh nghi\u1ec7p. Ph\u00e1 s\u1ea3n trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, k\u1ec3 c\u1ea3 qua ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, \u00edt nh\u1ea5t l\u00e0 3 n\u0103m, nhi\u1ec1u l\u00e0 5 \u2013 10 n\u0103m, n\u00ean ho\u00e0n to\u00e0n kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng, kh\u00f4ng \u0111\u1ec3 TCTD qu\u00e1 y\u1ebfu k\u00e9m v\u1eabn n\u00edu k\u00e9o, t\u1ed3n t\u1ea1i d\u1eb7t d\u1eb9o, g\u00e2y kh\u00f3 kh\u0103n cho NHNN v\u00e0 c\u00e1c TCTD kh\u00e1c, kh\u00f4ng mang ti\u1ebfng oan cho nh\u00e0 n\u01b0\u1edbc mua 0 \u0111\u1ed3ng \u0111\u1ec3 r\u1ed3i sau \u0111\u00f3 b\u00e1n l\u1ea1i v\u1edbi gi\u00e1 cao, kh\u00f4ng hao ti\u1ec1n t\u1ed1n s\u1ee9c \u0111\u1ec3 v\u1ef1c d\u1eady nh\u1eefng TCTD c\u1ea7n ph\u1ea3i \u201dch\u1ebft\u201d. Th\u1ef1c t\u1ebf nh\u1eefng n\u0103m qua c\u0169ng \u0111\u00e3 t\u1eebng x\u1eed l\u00fd ki\u1ec3u gi\u1ea3i th\u1ec3 nh\u01b0ng th\u1ef1c ch\u1ea5t nh\u01b0 ph\u00e1 s\u1ea3n m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng nh\u01b0 Vi\u1ec7t Hoa, APBank,\u2026 trong th\u1eddi gian h\u00e0ng ch\u1ee5c n\u0103m.<\/p>\n

        3.6.\u00a0\u00a0\u00a0\u00a0 Th\u1ee9 n\u0103m, vi\u1ec7c mua b\u1eaft bu\u1ed9c l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft:<\/em><\/strong><\/p>\n

        C\u00e1c TCTD, nh\u1ea5t l\u00e0 TCTD c\u00f3 quy m\u00f4 l\u1edbn, ch\u1ec9 t\u1ea1m th\u1eddi kh\u00f3 kh\u0103n, nguy hi\u1ec3m, m\u1ea5t kh\u1ea3 n\u0103ng thanh kho\u1ea3n, c\u00f3 th\u1ec3 b\u1ecb tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n theo Lu\u1eadt ph\u00e1 s\u1ea3n. N\u1ebfu \u0111\u1ec3 ph\u00e1 s\u1ea3n ngay, ph\u00e1 s\u1ea3n b\u1ea5t ng\u1edd th\u00ec s\u1ebd \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Khi \u0111\u00f3 c\u1ea7n ph\u1ea3i c\u1ee9u, trong \u0111\u00f3 c\u00f3 bi\u1ec7n ph\u00e1p mua b\u1eaft bu\u1ed9c l\u00e0 ho\u00e0n to\u00e0n h\u1ee3p l\u00fd. Tuy nhi\u00ean gi\u00e1 mua khi \u0111\u00f3 th\u00ec s\u1ebd kh\u00f4ng \u0111\u01a1n gi\u1ea3n l\u00e0 0 \u0111\u1ed3ng. V\u00e0 tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 mua TCTD kh\u00f4ng ph\u1ea3i l\u00e0 y\u1ebfu k\u00e9m \u0111\u1ed3ng th\u1eddi v\u1edbi 2 m\u1ee5c ti\u00eau gi\u1eef an to\u00e0n h\u1ec7 th\u1ed1ng v\u00e0 c\u1ee9u m\u1ed9t TCTD t\u1ed1t.<\/p>\n

        Nh\u01b0ng ph\u00e1p lu\u1eadt Vi\u1ec7t Nam quy \u0111\u1ecbnh, m\u1ed9t TCTD y\u1ebfu k\u00e9m s\u1ebd \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t \u0111\u1eb7c bi\u1ec7t, r\u1ed3i ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t trong v\u00e0i n\u0103m. Sau qu\u00e1 tr\u00ecnh \u0111\u00f3 m\u00e0 v\u1eabn c\u1ee9 ti\u1ebfp t\u1ee5c qu\u00e1 y\u1ebfu k\u00e9m, kh\u00f4ng th\u1ec3 kh\u00f4i ph\u1ee5c \u0111\u01b0\u1ee3c th\u00ec m\u1edbi chuy\u1ec3n sang th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n. V\u00e0 c\u0169ng ch\u1ec9 khi \u0111\u00f3 th\u00ec m\u1edbi t\u00ednh \u0111\u1ebfn vi\u1ec7c b\u1ecb mua b\u1eaft bu\u1ed9c 0 \u0111\u1ed3ng.<\/p>\n

        Khi \u0111\u00f3, c\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e0, kh\u00f4ng th\u1ec3 v\u1ea3 kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 l\u00fd do g\u00ec ph\u1ea3i c\u1ee9u TCTD \u0111\u00e3 qu\u00e1 y\u1ebfu k\u00e9m \u0111\u1ebfn m\u1ee9c kh\u00f4ng th\u1ec3 n\u00e0o duy tr\u00ec, kh\u00f4ng th\u1ec3 n\u00e0o kh\u00f4i ph\u1ee5c \u0111\u01b0\u1ee3c. Kh\u00f4ng nh\u1eefng th\u1ee9c th\u1ebf, c\u00e1c TCTD \u0111\u01b0\u1ee3c mua 0 \u0111\u1ed3ng \u0111\u01b0\u1ee3c kh\u1eb3ng \u0111\u1ecbnh l\u00e0 y\u1ebfu k\u00e9m nh\u1ea5t nh\u01b0ng v\u1eabn \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c duy tr\u00ec, c\u00f2n d\u1eabn \u0111\u1ebfn s\u1ef1 m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng, s\u1ebd ti\u1ebfp t\u1ee5c g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 an to\u00e0n v\u00e0 l\u00e0nh m\u1ea1nh c\u1ee7a h\u1ec7 th\u1ed1ng.<\/p>\n

        V\u1eady th\u00ec m\u1ee5c \u0111\u00edch mua b\u1eaft bu\u1ed9c 0 \u0111\u1ed3ng r\u00f5 r\u00e0ng l\u00e0 nh\u1eb1m b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a nh\u1eefng c\u00e1 nh\u00e2n ng\u01b0\u1eddi d\u00e2n g\u1eedi ti\u1ec1n, b\u1ea3o v\u1ec7 d\u00e2n ch\u00fang, ch\u1ee9 kh\u00f4ng nh\u1eb1m c\u1ee9u doanh nghi\u1ec7p g\u1eedi ti\u1ec1n, c\u1ee9u c\u1ed5 \u0111\u00f4ng – nh\u00e0 \u0111\u1ea7u t\u01b0, c\u1ee9u gi\u1edbi ch\u1ee7 ng\u00e2n h\u00e0ng, c\u1ee9u ph\u00e1p nh\u00e2n hay c\u1ee9u c\u00e1c TCTD y\u1ebfu k\u00e9m.<\/p>\n

        V\u1eady th\u00ec t\u1ed1t nh\u1ea5t l\u00e0 c\u1ee9u v\u00e0 h\u1ed7 tr\u1ee3 b\u1eb1ng c\u00e1ch kh\u00e1c hi\u1ec7u qu\u1ea3 h\u01a1n, h\u1ee3p l\u00fd h\u01a1n. \u0110\u00f3 l\u00e0 nh\u1eb1m th\u1eb3ng, \u0111\u00fang v\u00e0 tr\u00fang m\u1ee5c ti\u00eau, gi\u1ea3i c\u1ee9u \u0111\u00fang n\u1ea1n nh\u00e2n thay v\u00ec c\u1ee9u TCTD chung chung.<\/p>\n

        H\u00e3y chuy\u1ec3n t\u1ea5t c\u1ea3 ngu\u1ed3n l\u1ef1c \u0111\u1ec3 c\u1ee9u TCTD sang c\u1ee9u ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi g\u1eedi ti\u1ec1n nh\u1ecf l\u1ebb, ng\u01b0\u1eddi kh\u00f4ng gi\u00e0u. Ngu\u1ed3n l\u1ef1c \u0111\u00f3 l\u00e0 vai tr\u00f2 chi tr\u1ea3 c\u1ee7a b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi, h\u1ed7 tr\u1ee3 thanh kho\u1ea3n c\u1ee7a c\u00e1c TCTD kh\u00e1c, c\u1ee7a NHNN v\u00e0 c\u1ee7a Ch\u00ednh ph\u1ee7,\u2026 theo \u0111\u00fang nh\u01b0 \u0111\u00e3 l\u00e0m tr\u00ean th\u1ef1c t\u1ebf v\u00e0 \u0111ang quy \u0111\u1ecbnh t\u1ea1i D\u1ef1 th\u1ea3o Lu\u1eadt n\u00e0y, nh\u1eb1m gi\u00fap c\u00e1c TCTD \u201c\u0111\u00e1ng ch\u1ebft\u201d ph\u1ea3i \u201cch\u1ebft\u201d, nh\u01b0ng kh\u00f4ng \u0111\u1ec3 \u201cch\u1ebft\u201d \u0111\u1ed9t ng\u1ed9t, b\u1ea5t \u0111\u1eafc k\u1ef3 t\u1eeb, m\u00e0 \u0111i v\u00e0o c\u00e1i \u201cch\u1ebft\u201d m\u1ed9t c\u00e1ch t\u1eeb t\u1eeb, nh\u1eb9 nh\u00e0ng, \u201cch\u1ebft\u201d c\u00f3 ki\u1ec3m so\u00e1t, ch\u1ebft\u201d an to\u00e0n.<\/p>\n

        B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi hi\u1ec7n nay ch\u1ec9 chi tr\u1ea3 t\u1ed1i thi\u1ec3u 50 tri\u1ec7u (n\u1ebfu c\u00f2n kh\u1ea3 n\u0103ng th\u00ec chi cao h\u01a1n) cho m\u1ed7i ng\u01b0\u1eddi g\u1eedi ti\u1ec1n t\u1ea1i m\u1ed9t TCTD. Nh\u01b0ng b\u1eb1ng bi\u1ec7n ph\u00e1p mua b\u1eaft bu\u1ed9c 0 \u0111\u1ed3ng, th\u1ef1c ch\u1ea5t Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 cam k\u1ebft \u201cchi tr\u1ea3 b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi\u201d kh\u00f4ng gi\u1edbi h\u1ea1n, t\u1ee9c l\u00e0 b\u1ea3o to\u00e0n ti\u1ec1n g\u1eedi. Nh\u01b0 v\u1eady, c\u0169ng g\u00e2y ra t\u00ecnh tr\u1ea1ng r\u1ea5t b\u1ea5t h\u1ee3p l\u00fd l\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n kh\u00f4ng th\u00e8m quan t\u00e2m \u0111\u1ebfn s\u1ef1 an to\u00e0n ti\u1ec1n g\u1eedi c\u1ee7a m\u00ecnh.<\/p>\n

        N\u1ebfu v\u1eabn kh\u00f4ng mu\u1ed1n cho TCTD ph\u00e1 s\u1ea3n, th\u00ec thay v\u00ec mua b\u1eaft bu\u1ed9c 0 \u0111\u1ed3ng, tr\u01b0\u1eddng h\u1ee3p n\u00e0y Nh\u00e0 n\u01b0\u1edbc c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd h\u01a1n, ch\u1ee7 \u0111\u1ed9ng h\u01a1n, r\u00f5 r\u00e0ng h\u01a1n, d\u1ee9t \u0111i\u1ec3m h\u01a1n. Ch\u1eb3ng h\u1ea1n ch\u1ec9 c\u1ea7n Nh\u00e0 n\u01b0\u1edbc tuy\u00ean b\u1ed1 v\u1eabn b\u1ea3o \u0111\u1ea3m chi tr\u1ea3 ti\u1ec1n g\u1eedi, nh\u01b0ng ph\u1ea3i \u0111\u1ebfn h\u1ea1n chi tr\u1ea3 v\u00e0 th\u1eadm ch\u00ed c\u00f3 th\u1ec3 k\u00e9o d\u00e0i trong v\u00e0i n\u0103m, ch\u1ee9 kh\u00f4ng tr\u1ea3 ngay to\u00e0n b\u1ed9 m\u1ed9t l\u00fac. Hay Nh\u00e0 n\u01b0\u1edbc cam k\u1ebft ch\u1ec9 tr\u1ea3 \u0111\u1ee7 trong ph\u1ea1m vi 5 t\u1ef7, th\u1eadm ch\u00ed 500 tri\u1ec7u (k\u1ec3 c\u1ea3 s\u1eafp t\u1edbi c\u00f3 t\u0103ng gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi t\u1ed1i thi\u1ec3u).<\/p>\n

        Trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, th\u1eddi gian x\u1eed l\u00fd TCTD v\u1eabn ph\u1ea3i k\u00e9o d\u00e0i, nh\u01b0ng kh\u00f4ng ph\u1ea3i \u0111\u1ec3 t\u00e1i c\u01a1 c\u1ea5u, \u0111\u1ec3 kh\u00f4i ph\u1ee5c TCTD y\u1ebfu k\u00e9m, m\u00e0 l\u00e0 \u0111\u1ec3 thu h\u1ed3i n\u1ee3 cho vay, thanh l\u00fd t\u00e0i s\u1ea3n. Th\u1eadm ch\u00ed c\u1ea7n thi\u1ebft, v\u1eabn duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng, nh\u01b0ng gi\u1ea3m d\u1ea7n cho \u0111\u1ebfn khi ch\u1ea5m d\u1ee9t. Trong th\u1eddi gian \u1ea5y, TCTD y\u1ebfu k\u00e9m v\u1eabn c\u00f3 th\u1ec3 vay v\u1ed1n NHNN v\u00e0 c\u00e1c TCTD kh\u00e1c v\u00ec \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh c\u00e1c kho\u1ea3n cho vay n\u00e0y \u0111\u01b0\u1ee3c \u01b0u ti\u00ean tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc tr\u01b0\u1edbc t\u1ea5t c\u1ea3 (D\u1ef1 th\u1ea3o n\u00e0y l\u00e0 Lu\u1eadt th\u1ee9 3 ghi nh\u1eadn quy \u0111\u1ecbnh n\u00e0y).<\/p>\n

          \n
        1. V\u1ec1 t\u1eeb ng\u1eef v\u00e0 k\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o:<\/strong><\/li>\n<\/ol>\n

          4.1.\u00a0\u00a0\u00a0\u00a0\u00a0 Vi\u1ebft \u201ctrong th\u1eddi h\u1ea1n t\u1ed1i \u0111a\u201d l\u00e0 th\u1eeba t\u1eeb \u201ct\u1ed1i \u0111a\u201d, v\u00ec trong th\u1eddi h\u1ea1n \u0111\u00e3 bao g\u1ed3m ngh\u0129a t\u1ed1i \u0111a, t\u1ea1i<\/p>\n

          4.2.\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00e1c kho\u1ea3n 1 v\u00e0 2, \u0110i\u1ec1u 14 v\u1ec1 \u201c\u0110\u00e1nh gi\u00e1 th\u1ef1c tr\u1ea1ng c\u1ee7a TCTD y\u1ebfu k\u00e9m\u201d;<\/p>\n

          4.3.\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00e1c kho\u1ea3n 2 v\u00e0 3, \u0110i\u1ec1u 15 v\u1ec1 \u201c\u0110\u1ec1 xu\u1ea5t\u00a0 v\u00e0 ph\u00ea duy\u1ec7t ch\u1ee7 tr\u01b0\u01a1ng x\u1eed l\u00fd t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m\u201d;<\/p>\n

          4.4.\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00e1c kho\u1ea3n 1, 3, 4, 5 v\u00e0 6, \u0110i\u1ec1u 16 v\u1ec1 \u201cX\u00e2y d\u1ef1ng v\u00e0 ph\u00ea duy\u1ec7t ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m\u201d;<\/p>\n

          4.5.\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 1, \u0110i\u1ec1u 32 v\u1ec1 \u201cPh\u00ea duy\u1ec7t v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ph\u01b0\u01a1ng \u00e1n mua b\u1eaft bu\u1ed9c\u201d.<\/p>\n

          4.6.\u00a0\u00a0\u00a0\u00a0\u00a0 Vi\u1ebft \u201ct\u1ed1i \u0111a kh\u00f4ng qu\u00e1\u201d, l\u00e0 th\u1eeba 1 trong 2 t\u1eeb \u201ct\u1ed1i \u0111a\u201d ho\u1eb7c \u201ckh\u00f4ng qu\u00e1\u201d t\u1ea1i c\u00e1c \u0111i\u1ec1u sau:<\/p>\n

          –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110i\u1ec3m c v\u00e0 d kho\u1ea3n 1; c\u00e1 \u0111i\u1ec3m b, c, d v\u00e0 \u0111 kho\u1ea3n 2, \u0110i\u1ec1u 20 v\u1ec1 \u201cC\u00e1c bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh\u201d;<\/p>\n

          –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 3, \u0110i\u1ec1u 25 v\u1ec1 \u201cC\u00e1c bi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 \u0111\u1ed1i v\u1edbi ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd ph\u00e1p nh\u00e2n d\u01b0\u1edbi h\u00ecnh th\u1ee9c h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, b\u00e1n to\u00e0n b\u1ed9 v\u1ed1n \u0111i\u1ec1u l\u1ec7\u201d;<\/p>\n

          –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 C\u00e1c kho\u1ea3n 4, 5 v\u00e0 6, \u0110i\u1ec1u 31 v\u1ec1 \u201cBi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m \u0111\u01b0\u1ee3c mua b\u1eaft bu\u1ed9c\u201d;<\/p>\n

          –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kho\u1ea3n 2, \u0110i\u1ec1u 48 v\u1ec1 \u201cPh\u00e2n b\u1ed5 l\u00e3i d\u1ef1 thu, ch\u1ec7ch l\u1ec7ch khi b\u00e1n kho\u1ea3n n\u1ee3 x\u1ea5u c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, VAMC\u201d.<\/p>\n

          4.7.\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng \u0111\u1ec3 m\u1ed9t s\u1ed1 \u0111o\u1ea1n v\u0103n kh\u00f4ng thu\u1ed9c kho\u1ea3n n\u00e0o trong c\u00e1c \u0111i\u1ec1u lu\u1eadt \u0111\u01b0\u1ee3c b\u1ed1 c\u1ee5c theo kh\u1ea3on, \u0111i\u1ec3m, nh\u01b0 \u0110i\u1ec1u 31 v\u1ec1 \u201cBi\u1ec7n ph\u00e1p h\u1ed7 tr\u1ee3 TCTD y\u1ebfu k\u00e8m \u0111\u01b0\u1ee3c mua b\u1eaft bu\u1ed9c\u201d.<\/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

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