Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 nhi\u1ec7m v\u1ee5 tr\u1ecdng t\u00e2m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 quan t\u00e2m ch\u1ec9 \u0111\u1ea1o, c\u00e1c B\u1ed9, ng\u00e0nh v\u00e0 c\u01a1 quan li\u00ean quan ph\u1ed1i h\u1ee3p c\u00f9ng tri\u1ec3n khai th\u1ef1c hi\u1ec7n. Tuy nhi\u00ean, qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u00f2n g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc do thi\u1ebfu c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt; do quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt kh\u00f4ng ph\u00f9 h\u1ee3p; do c\u00e1c quy \u0111\u1ecbnh kh\u00f4ng \u0111\u1ed3ng b\u1ed9, g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c tri\u1ec3n khai th\u1ef1c hi\u1ec7n.<\/p>\n
1. Thi\u1ebfu quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt<\/p>\n
M\u1ed9t trong nh\u1eefng b\u1ea5t c\u1eadp l\u1edbn nh\u1ea5t hi\u1ec7n nay \u0111\u1ed1i v\u1edbi qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00f4ng qua ph\u01b0\u01a1ng th\u1ee9c kh\u1edfi ki\u1ec7n, thi h\u00e0nh \u00e1n l\u00e0 th\u1eddi gian k\u00e9o d\u00e0i, g\u00e2y t\u1ed1n k\u00e9m cho TCTD; ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, ch\u1eb7t ch\u1ebd v\u1ec1 c\u00e1c b\u01b0\u1edbc c\u1ee7a qu\u00e1 tr\u00ecnh t\u1ed1 t\u1ee5ng c\u1ee7a B\u1ed9 lu\u1eadt t\u1ee5ng d\u00e2n s\u1ef1 (B\u1ed9 lu\u1eadt TTDS) v\u00e0 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, c\u1ee5 th\u1ec3:<\/p>\n
a) Ch\u01b0a c\u00f3 h\u01b0\u1edbng d\u1eabn v\u1ec1 tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c, th\u1eddi h\u1ea1n T\u00f2a \u00e1n gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n khi l\u00fd do t\u1ea1m \u0111\u00ecnh ch\u1ec9 kh\u00f4ng c\u00f2n<\/p>\n
\u0110i\u1ec1u 191 B\u1ed9 lu\u1eadt TTDS quy \u0111\u1ecbnh \u201cT\u00f2a \u00e1n ti\u1ebfp t\u1ee5c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n khi l\u00fd do t\u1ea1m \u0111\u00ecnh ch\u1ec9 kh\u00f4ng c\u00f2n.\u201d Tuy nhi\u00ean, B\u1ed9 lu\u1eadt TTDS c\u0169ng nh\u01b0 Ngh\u1ecb quy\u1ebft s\u1ed1 05\/2012\/NQ-H\u0110TP kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 th\u1ee7 t\u1ee5c, th\u1eddi h\u1ea1n gi\u1ea3i quy\u1ebft nh\u1eefng v\u1ee5 \u00e1n b\u1ecb t\u1ea1m \u0111\u00ecnh ch\u1ec9 \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c gi\u1ea3i quy\u1ebft nh\u01b0 th\u1ebf n\u00e0o, d\u1eabn \u0111\u1ebfn ch\u1eadm tr\u1ec5 trong vi\u1ec7c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n.<\/p>\n
b) Ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 r\u00fat g\u1ecdn<\/p>\n
Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kh\u00e1ch h\u00e0ng vay l\u00e0 doanh nghi\u1ec7p, khi b\u1ecb ph\u00e1 s\u1ea3n, ng\u01b0\u1eddi lao \u0111\u1ed9ng ng\u1eebng vi\u1ec7c, ch\u1ee7 doanh nghi\u1ec7p b\u1ecf tr\u1ed1n; kh\u00e1ch h\u00e0ng vay l\u00e0 c\u00e1 nh\u00e2n th\u01b0\u1eddng thay \u0111\u1ed5i \u0111\u1ecba ch\u1ec9 li\u00ean l\u1ea1c m\u00e0 kh\u00f4ng th\u00f4ng b\u00e1o cho TCTD, b\u1ea5t h\u1ee3p t\u00e1c, kh\u00f4ng tham gia qu\u00e1 tr\u00ecnh gi\u1ea3i quy\u1ebft c\u1ee7a T\u00f2a \u00e1n. Trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y, vi\u1ec7c tri\u1ec7u t\u1eadp b\u1ecb \u0111\u01a1n tham gia h\u00f2a gi\u1ea3i l\u00e0 kh\u00f4ng th\u1ec3 v\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft. Vi\u1ec7c ban h\u00e0nh tr\u00ecnh t\u1ef1 t\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 r\u00fat g\u1ecdn s\u1ebd gi\u00fap c\u00e1c b\u00ean li\u00ean quan ti\u1ebft ki\u1ec7m chi ph\u00ed, \u0111\u1ea9y nhanh ti\u1ebfn \u0111\u1ed9 thu h\u1ed3i n\u1ee3 th\u00f4ng qua con \u0111\u01b0\u1eddng t\u1ed1 t\u1ee5ng.<\/p>\n
c) Ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 th\u1eddi gian h\u00f2a gi\u1ea3i<\/p>\n
B\u1ed9 lu\u1eadt TTDS v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn c\u1ee7a T\u00f2a \u00e1n nh\u00e2n d\u00e2n t\u1ed1i cao (TANDTC) kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 th\u1eddi gian c\u1ee7a m\u1ed7i phi\u00ean h\u00f2a gi\u1ea3i, s\u1ed1 l\u1ea7n \u0111\u01b0\u1ee3c ho\u00e3n h\u00f2a gi\u1ea3i. Do \u0111\u00f3, th\u1eddi gian h\u00f2a gi\u1ea3i th\u01b0\u1eddng k\u00e9o d\u00e0i, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a c\u00e1c b\u00ean li\u00ean quan.<\/p>\n
d) Ch\u01b0a c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 v\u1ec1 th\u1ee7 t\u1ee5c gi\u1ea3i ch\u1ea5p t\u1eebng ph\u1ea7n<\/p>\n
Trong qu\u00e1 tr\u00ecnh x\u1eed\u00a0 l\u00fd TSB\u0110, m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng n\u1ed9p ti\u1ec1n thanh to\u00e1n \u0111\u1ec1 ngh\u1ecb gi\u1ea3i ch\u1ea5p TSB\u0110 t\u1eebng\u00a0 ph\u1ea7n, m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng \u0111\u1ec1 ngh\u1ecb t\u00e1ch s\u1ed5 nh\u1eb1m chia nh\u1ecf TSB\u0110 l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 b\u00e1n. Tuy nhi\u00ean, do ph\u00e1p lu\u1eadt ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 th\u1ee7 t\u1ee5c gi\u1ea3i ch\u1ea5p t\u1eebng ph\u1ea7n, n\u00ean TCTD g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c th\u1ef1c hi\u1ec7n nh\u1eefng th\u1ee7 t\u1ee5c tr\u00ean.<\/p>\n
e) Ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n kinh doanh \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 mua b\u00e1n n\u1ee3<\/p>\n
Theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt \u0110\u1ea7u t\u01b0 2014, ho\u1ea1t \u0111\u1ed9ng kinh doanh d\u1ecbch v\u1ee5 mua b\u00e1n n\u1ee3 l\u00e0 ng\u00e0nh ngh\u1ec1 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n. Tuy nhi\u00ean, ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi ng\u00e0nh ngh\u1ec1 kinh doanh n\u00e0y. Do v\u1eady, c\u00e1c doanh nghi\u1ec7p kh\u00f4ng th\u1ec3 ti\u1ebfn h\u00e0nh \u0111\u0103ng k\u00fd kinh doanh ng\u00e0nh ngh\u1ec1 n\u00e0y, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng b\u00e1n n\u1ee3 c\u1ee7a TCTD do kh\u00f4ng c\u00f3 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c mua n\u1ee3.<\/p>\n
2. Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt kh\u00f4ng ph\u00f9 h\u1ee3p<\/p>\n
Th\u1ee9 nh\u1ea5t, quy \u0111\u1ecbnh v\u1ec1 ph\u00ed thi h\u00e0nh \u00e1n b\u1ea5t h\u1ee3p l\u00fd<\/p>\n
Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n ph\u1ea3i n\u1ed9p ph\u00ed thi h\u00e0nh \u00e1n v\u1edbi m\u1ee9c 3%. Quy \u0111\u1ecbnh n\u00e0y v\u00f4 h\u00ecnh chung khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n ch\u00e2y \u1ef3, kh\u00f4ng t\u1ef1 nguy\u1ec7n thi h\u00e0nh \u00e1n, k\u00e9o d\u00e0i th\u1eddi gian thi h\u00e0nh \u00e1n, x\u00e2m ph\u1ea1m quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thi h\u00e0nh \u00e1n. Trong b\u1ed1i c\u1ea3nh TCTD kh\u00f4ng th\u1ec3 thu h\u1ed3i \u0111\u1ee7 n\u1ee3, m\u1ee9c ph\u00ed thi h\u00e0nh \u00e1n s\u1ebd g\u00e2y th\u00eam kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh cho TCTD.<\/p>\n
Th\u1ee9 hai, quy \u0111\u1ecbnh v\u1ec1 k\u00ea bi\u00ean t\u00e0i s\u1ea3n \u0111ang c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p<\/p>\n
Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 90 Lu\u1eadt Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1, tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n kh\u00f4ng c\u00f2n t\u00e0i s\u1ea3n n\u00e0o kh\u00e1c ho\u1eb7c c\u00f3 t\u00e0i s\u1ea3n nh\u01b0ng kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 thi h\u00e0nh \u00e1n, Ch\u1ea5p h\u00e0nh vi\u00ean c\u00f3 quy\u1ec1n k\u00ea bi\u00ean, x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n \u0111ang c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p n\u1ebfu gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n \u0111\u00f3 l\u1edbn h\u01a1n ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m v\u00e0 chi ph\u00ed c\u01b0\u1ee1ng ch\u1ebf thi h\u00e0nh \u00e1n. Tuy nhi\u00ean, vi\u1ec7c k\u00ea bi\u00ean t\u00e0i s\u1ea3n \u0111ang c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thi h\u00e0nh \u00e1n kh\u00e1c, x\u00e9t v\u1ec1 m\u1eb7t th\u1ef1c t\u1ebf s\u1ebd x\u00e2m ph\u1ea1m quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m v\u00e0 b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m, c\u1ee5 th\u1ec3 nh\u01b0 sau: (i) TCTD ph\u1ea3i thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n d\u1eabn \u0111\u1ebfn TCTD m\u1ea5t m\u1ed9t kho\u1ea3n doanh thu \u0111\u00e1ng l\u1ebd s\u1ebd thu \u0111\u01b0\u1ee3c theo h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebf ho\u1ea1ch kinh doanh c\u1ee7a TCTD; (ii) Vi\u1ec7c k\u00ea bi\u00ean t\u00e0i s\u1ea3n \u0111ang c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p c\u0169ng s\u1ebd l\u00e0m m\u1ea5t ngu\u1ed3n sinh l\u1eddi t\u1eeb ch\u00ednh TSB\u0110, l\u00e0 ngu\u1ed3n thu c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m v\u00e0 ngu\u1ed3n tr\u1ea3 n\u1ee3 cho TCTD; vi\u1ec7c k\u00ea bi\u00ean c\u0169ng l\u00e0m gi\u1ea3m gi\u00e1 tr\u1ecb c\u1ee7a TSB\u0110 t\u1ea1i TCTD; (iii) Sau khi c\u01a1 quan thi h\u00e0nh \u00e1n k\u00ea bi\u00ean t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p t\u1ea1i TCTD, kh\u00e1ch h\u00e0ng vay th\u01b0\u1eddng kh\u00f4ng c\u00f3 \u0111\u1ed9ng l\u1ef1c \u0111\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u00fang theo h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd k\u1ebft, d\u1eabn t\u1edbi n\u1ee3 x\u1ea5u ph\u00e1t sinh.<\/p>\n
Th\u1ee9 ba, quy \u0111\u1ecbnh v\u1ec1 th\u1ee9 t\u1ef1 \u01b0u ti\u00ean thanh to\u00e1n ti\u1ec1n thi h\u00e0nh \u00e1n<\/p>\n
Kho\u1ea3n 3 \u0110i\u1ec1u 47 Lu\u1eadt thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 2008 quy \u0111\u1ecbnh: \u201cS\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p ho\u1eb7c b\u00e1n t\u00e0i s\u1ea3n m\u00e0 B\u1ea3n \u00e1n, quy\u1ebft \u0111\u1ecbnh tuy\u00ean k\u00ea bi\u00ean \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o thi h\u00e0nh m\u1ed9t ngh\u0129a v\u1ee5 c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c \u01b0u ti\u00ean thanh to\u00e1n cho ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m \u0111\u00f3 sau khi tr\u1eeb c\u00e1c chi ph\u00ed v\u1ec1 thi h\u00e0nh \u00e1n\u201d. Tuy nhi\u00ean, trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, khi x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p m\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p sau khi tr\u1eeb c\u00e1c chi ph\u00ed v\u1ec1 thi h\u00e0nh \u00e1n kh\u00f4ng \u0111\u1ee7 tr\u1ea3 n\u1ee3 vay cho TCTD v\u00e0 ti\u1ec1n \u00e1n ph\u00ed ng\u01b0\u1eddi b\u1ecb ki\u1ec7n ch\u01b0a thi h\u00e0nh, c\u01a1 quan thi h\u00e0nh \u00e1n th\u01b0\u1eddng y\u00eau c\u1ea7u TCTD \u01b0u ti\u00ean thu ti\u1ec1n \u00e1n ph\u00ed tr\u01b0\u1edbc (\u0111\u1ec3 ho\u00e0n th\u00e0nh ngh\u0129a v\u1ee5 thu ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc) d\u1eabn \u0111\u1ebfn TCTD \u0111\u00e3 kh\u00f4ng thu h\u1ed3i \u0111\u1ee7 n\u1ee3 g\u1ed1c l\u1ea1i b\u1ecb tr\u1eeb r\u1ea5t nhi\u1ec1u chi ph\u00ed li\u00ean quan.<\/p>\n
Th\u1ee9 t\u01b0, quy \u0111\u1ecbnh v\u1ec1 n\u1ed9p thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p, thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n<\/p>\n
Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, c\u01a1 quan thu thu\u1ebf th\u01b0\u1eddng th\u1ef1c hi\u1ec7n kh\u1ea5u tr\u1eeb thu\u1ebf ngay tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n \u01b0u ti\u00ean thanh to\u00e1n kho\u1ea3n n\u1ee3 cho TCTD v\u00e0 VAMC. Th\u1ef1c t\u1ebf cho th\u1ea5y, \u0111\u1ed1i v\u1edbi TCTD khi x\u1eed l\u00fd TSB\u0110, kho\u1ea3n ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u00e1n TSB\u0110 th\u01b0\u1eddng kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 tr\u1ea3 n\u1ee3 vay. Th\u1eadm ch\u00ed, tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o \u0111\u1ea3m c\u00f2n n\u1ee3 thu\u1ebf GTGT\/thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p v\u00e0 c\u00e1c thu\u1ebf kh\u00e1c kh\u00f4ng li\u00ean quan \u0111\u1ebfn vi\u1ec7c b\u00e1n TSB\u0110 nh\u01b0ng khi TCTD b\u00e1n TSB\u0110 th\u00ec c\u01a1 quan thu\u1ebf y\u00eau c\u1ea7u ph\u1ea3i tr\u1ea3 n\u1ee3 thu\u1ebf tr\u01b0\u1edbc th\u00ec m\u1edbi x\u00e1c nh\u1eadn ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng t\u00e0i s\u1ea3n. Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c n\u1ed9p thu\u1ebf tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p do c\u00e1c kho\u1ea3n n\u1ee3 TCTD l\u00e0 n\u1ee3 c\u00f3 TSB\u0110, c\u00f3 m\u1ee9c \u0111\u1ed9 \u01b0u ti\u00ean h\u01a1n c\u00e1c kho\u1ea3n n\u1ee3 thu\u1ebf l\u00e0 n\u1ee3 kh\u00f4ng c\u00f3 TSB\u0110. N\u1ebfu ph\u1ea3i n\u1ed9p c\u00e1c kho\u1ea3n thu\u1ebf tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 \u01b0u ti\u00ean thanh to\u00e1n cho b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m l\u00e0 TCTD s\u1ebd g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ed1 n\u1ee3 thu h\u1ed3i \u0111\u01b0\u1ee3c c\u1ee7a TCTD.<\/p>\n
Th\u1ee9 n\u0103m, m\u00e2u thu\u1eabn gi\u1eefa B\u1ed9 lu\u1eadt TTDS v\u00e0 BLDS v\u1ec1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n<\/p>\n
Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 159 B\u1ed9 lu\u1eadt TTDS, th\u1eddi hi\u1ec7u t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m t\u00ednh l\u00e0 ng\u00e0y c\u00e1 nh\u00e2n, c\u01a1 quan, t\u1ed5 ch\u1ee9c bi\u1ebft \u0111\u01b0\u1ee3c quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh b\u1ecb x\u00e2m ph\u1ea1m. Tuy nhi\u00ean, \u0110i\u1ec1u 427 BLDS quy \u0111\u1ecbnh v\u1ec1 th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u01b0\u1ee3c t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n, t\u1ed5 ch\u1ee9c b\u1ecb x\u00e2m ph\u1ea1m. Quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt TTDS l\u00e0 ph\u00f9 h\u1ee3p v\u00e0 \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i c\u00e1c b\u00ean li\u00ean quan. Tuy nhi\u00ean, tr\u01b0\u1eddng h\u1ee3p T\u00f2a \u00e1n \u00e1p d\u1ee5ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n quy \u0111\u1ecbnh t\u1ea1i BLDS th\u00ec s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n kh\u1edfi ki\u1ec7n c\u1ee7a TCTD.<\/p>\n
3. C\u00e1c quy \u0111\u1ecbnh kh\u00f4ng \u0111\u1ed3ng b\u1ed9<\/p>\n
Vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u kh\u00f4ng ch\u1ec9 g\u1eb7p v\u01b0\u1edbng m\u1eafc do c\u01a1 s\u1edf ph\u00e1p l\u00fd ch\u01b0a \u0111\u1ed3ng b\u1ed9, b\u1ea5t c\u1eadp m\u00e0 c\u00f2n g\u1eb7p ph\u1ea3i nh\u1eefng kh\u00f3 kh\u0103n, b\u1ea5t c\u1eadp do ch\u00ednh c\u00e1ch hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 T\u00f2a \u00e1n, Vi\u1ec7n Ki\u1ec3m s\u00e1t. Th\u1ef1c ti\u1ec5n v\u1eeba qua cho th\u1ea5y, nhi\u1ec1u giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u00e1c TCTD th\u1ef1c hi\u1ec7n \u0111\u00fang theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt nh\u01b0ng c\u00f3 nguy c\u01a1 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u do c\u00e1ch hi\u1ec3u kh\u00f4ng \u0111\u00fang c\u1ee7a m\u1ed9t s\u1ed1 T\u00f2a \u00e1n.<\/p>\n
Th\u1ee9 nh\u1ea5t, t\u00f2a \u00e1n hi\u1ec3u sai quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch d\u00e2n s\u1ef1 v\u1edbi ch\u00ednh m\u00ecnh khi m\u1ed9t c\u00e1 nh\u00e2n k\u00fd v\u1edbi hai t\u01b0 c\u00e1ch trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m<\/p>\n
Kho\u1ea3n 5 \u0110i\u1ec1u 144 BLDS quy \u0111\u1ecbnh: \u201cNg\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 v\u1edbi ch\u00ednh m\u00ecnh ho\u1eb7c v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba m\u00e0 m\u00ecnh c\u0169ng l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c\u201d.<\/p>\n
\u0110\u1ed3ng th\u1eddi, ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111am cho ph\u00e9p m\u1ed9t ng\u01b0\u1eddi d\u00f9ng t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 ng\u01b0\u1eddi kh\u00e1c. Trong ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng, tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a doanh nghi\u1ec7p (b\u00ean b\u1ea3o \u0111\u1ea3m) d\u00f9ng t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a doanh nghi\u1ec7p do m\u00ecnh l\u00e0m \u0111\u1ea1i di\u1ec7n (b\u00ean vay v\u1ed1n), khi k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, c\u00e1c b\u00ean th\u01b0\u1eddng th\u1ecfa thu\u1eadn c\u1ea3 ba b\u00ean k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m g\u1ed3m b\u00ean b\u1ea3o \u0111\u1ea3m, b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m v\u00e0 b\u00ean vay v\u1ed1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch. Vi\u1ec7c k\u00fd h\u1ee3p \u0111\u1ed3ng ba b\u00ean n\u00e0y kh\u00f4ng tr\u00e1i v\u1edbi quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 5 \u0110i\u1ec1u 144 BLDS v\u00ec giao d\u1ecbch b\u1ea3o \u0111\u1ea3m l\u00e0 giao d\u1ecbch gi\u1eefa b\u00ean b\u1ea3o \u0111\u1ea3m v\u00e0 b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m, b\u00ean vay v\u1ed1n kh\u00f4ng c\u00f3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m, quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean vay v\u1ed1n \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n
Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf\u00a0nhi\u1ec1u T\u00f2a \u00e1n l\u1ea1i cho r\u1eb1ng tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a doanh nghi\u1ec7p d\u00f9ng t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 cho doanh nghi\u1ec7p do m\u00ecnh \u0111\u1ea1i di\u1ec7n \u0111\u1ec3 vay v\u1ed1n l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 5 \u0110i\u1ec1u 144 BLDS n\u0103m 2005 v\u00e0 tuy\u00ean v\u00f4 hi\u1ec7u h\u1ee3p \u0111\u1ed3ng n\u00e0y d\u1eabn \u0111\u1ebfn kho\u1ea3n vay c\u1ee7a TCTD t\u1eeb b\u1ea3o \u0111\u1ea3m tr\u1edf th\u00e0nh kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m.<\/p>\n
Th\u1ee9 hai, t\u00f2a \u00e1n kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p kh\u1ea9n c\u1ea5p t\u1ea1m th\u1eddi theo quy \u0111\u1ecbnh<\/p>\n
Theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u00e2t TTDS, TCTD c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u T\u00f2a \u00e1n \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p kh\u1ea9n c\u1ea5p t\u1ea1m th\u1eddi. Tuy nhi\u00ean, vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p n\u00e0y th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o \u00fd ch\u00ed c\u1ee7a Th\u1ea9m ph\u00e1n. Do \u0111\u00f3, tr\u00ean th\u1ef1c t\u1ebf, trong qu\u00e1 tr\u00ecnh T\u00f2a \u00e1n x\u00e9t x\u1eed v\u1ee5 \u00e1n d\u00e2n s\u1ef1, b\u1ecb \u0111\u01a1n c\u00f3 h\u00e0nh vi t\u1ea9u t\u00e1n t\u00e0i s\u1ea3n \u0111\u1ec3 tr\u1ed1n tr\u00e1nh ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. Song vi\u1ec7c TCTD y\u00eau c\u1ea7u T\u00f2a \u00e1n \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p kh\u1ea9n c\u1ea5p t\u1ea1m th\u1eddi theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 102 B\u1ed9 lu\u1eadt TTDS l\u00e0 r\u1ea5t kh\u00f3 kh\u0103n, d\u1eabn \u0111\u1ebfn kh\u00f4ng ph\u1ea3i tr\u01b0\u1eddng h\u1ee3p n\u00e0o nguy\u00ean \u0111\u01a1n c\u0169ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c quy\u1ec1n ng\u0103n ch\u1eb7n b\u1ecb \u0111\u01a1n t\u1ea9u t\u00e1n t\u00e0i s\u1ea3n.<\/p>\n
Th\u1ee9 ba, t\u00f2a \u00e1n \u00e1p d\u1ee5ng kh\u00f4ng \u0111\u00fang v\u1ec1 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n v\u00e0 ph\u1ea1t vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/p>\n
Vi\u1ec7c TCTD v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u1ed1i v\u1edbi h\u00e0nh vi vi ph\u1ea1m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 g\u1ed1c, ph\u1ea1t ch\u1eadm tr\u1ea3\u00a0\u0111\u1ed1i v\u1edbi n\u1ee3 l\u00e3i v\u00e0 ph\u1ea1t vi ph\u1ea1m c\u00e1c ngh\u0129a v\u1ee5 kh\u00e1c theo h\u1ee3p \u0111\u1ed3ng l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a BLDS v\u00e0 c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u1ee7a NHNN. Vi\u1ec7c th\u1ecfa thu\u1eadn c\u00e1c bi\u1ec7n ph\u00e1p n\u00e0y l\u00e0 ho\u00e0n to\u00e0n c\u1ea7n thi\u1ebft, b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a m\u1ed7i b\u00ean khi tham gia h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, mang c\u00e1c m\u1ee5c \u0111\u00edch kh\u00e1c nhau.<\/p>\n
Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf c\u00e1c T\u00f2a \u00e1n c\u00f3 c\u00e1c c\u00e1ch hi\u1ec3u kh\u00e1c nhau v\u1ec1 ph\u1ea1t ch\u1eadm tr\u1ea3. Theo \u0111\u00f3, c\u00f3 T\u00f2a \u00e1n kh\u00f4ng ch\u1ea5p nh\u1eadn vi\u1ec7c TCTD v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn \u00e1p d\u1ee5ng c\u1ea3 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u1ed1i v\u1edbi n\u1ee3 g\u1ed1c v\u00e0 ph\u1ea1t vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ngh\u0129a v\u1ee5 ch\u1eadm tr\u1ea3 l\u00e3i, c\u00f3 T\u00f2a \u00e1n ch\u1ea5p nh\u1eadn th\u1ecfa thu\u1eadn n\u00e0y, g\u00e2y kh\u00f3 kh\u0103n cho TCTD trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3.<\/p>\n
Th\u1ee9 t\u01b0, t\u00f2a \u00e1n hi\u1ec3u kh\u00f4ng \u0111\u00fang v\u1ec1 bi\u1ec7n ph\u00e1p th\u1ebf ch\u1ea5p v\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o l\u00e3nh<\/p>\n
Tr\u00ean th\u1ef1c t\u1ebf, m\u1ed9t s\u1ed1 T\u00f2a \u00e1n, Vi\u1ec7n ki\u1ec3m s\u00e1t c\u00e1c c\u1ea5p c\u00f2n c\u00f3 c\u00e1ch hi\u1ec3u ch\u01b0a ch\u00ednh x\u00e1c v\u1ec1 bi\u1ec7n ph\u00e1p th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh. Khi x\u00e9t x\u1eed, m\u1ed9t s\u1ed1 th\u1ea9m ph\u00e1n, ki\u1ec3m s\u00e1t vi\u00ean cho r\u1eb1ng bi\u1ec7n ph\u00e1p th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 ng\u01b0\u1eddi kh\u00e1c l\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o l\u00e3nh v\u00e0 tuy\u00ean v\u00f4 hi\u1ec7u c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 ng\u01b0\u1eddi kh\u00e1c d\u00f9 c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9c, \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, d\u1eabn \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng t\u1eeb c\u00f3 TSB\u0110 th\u00e0nh kh\u00f4ng c\u00f3 TSB\u0110 v\u00e0 c\u00f3 nguy c\u01a1 l\u00e0m v\u00f4 hi\u1ec7u h\u00e0ng lo\u1ea1t h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p QSD\u0110 c\u1ee7a b\u00ean th\u1ee9 ba trong to\u00e0n h\u1ec7 th\u1ed1ng c\u00e1c TCTD.<\/p>\n
Vi\u1ec7c T\u00f2a \u00e1n ra ph\u00e1n quy\u1ebft H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a b\u00ean th\u1ee9 ba gi\u1eefa b\u00ean th\u1ebf ch\u1ea5p v\u00e0 b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p v\u00f4 hi\u1ec7u l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 th\u1ebf ch\u1ea5p b\u1eb1ng QSD\u0110 c\u1ee7a B\u00ean th\u1ee9 ba, \u0111i\u1ec1u n\u00e0y \u0111\u00e3, \u0111ang v\u00e0 s\u1ebd g\u00e2y n\u00ean s\u1ef1 x\u00e1o tr\u1ed9n l\u1edbn trong \u0111\u1eddi s\u1ed1ng x\u00e3 h\u1ed9i v\u00e0 g\u00e2y b\u1ea5t l\u1ee3i cho c\u00e1c TCTD.<\/p>\n
Th\u1ee9 n\u0103m, t\u00f2a \u00e1n \u00e1p d\u1ee5ng kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd TSB\u0110 c\u1ee7a b\u00ean th\u1ee9 ba khi doanh nghi\u1ec7p b\u1ecb ph\u00e1 s\u1ea3n<\/p>\n
C\u0103n c\u1ee9 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 355 BLDS,\u00a0trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 \u0111\u1ebfn h\u1ea1n th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 m\u00e0 b\u00ean c\u00f3 ngh\u0129a v\u1ee5 kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang ngh\u0129a v\u1ee5 th\u00ec t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c x\u1eed l\u00fd theo ph\u01b0\u01a1ng th\u1ee9c th\u1ecfa thu\u1eadn ho\u1eb7c b\u00e1n \u0111\u1ea5u gi\u00e1 theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5. Vi\u1ec7c x\u1eed l\u00fd TSB\u0110 kh\u00f4ng ph\u00e2n bi\u1ec7t l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a b\u00ean ch\u00ednh b\u00ean vay hay c\u1ee7a b\u00ean th\u1ee9 ba.<\/p>\n
Tuy nhi\u00ean, tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p vay b\u1ecb ph\u00e1 s\u1ea3n, TCTD y\u00eau c\u1ea7u T\u00f2a \u00e1n x\u1eed l\u00fd c\u1ea3 TSB\u0110 c\u1ee7a b\u00ean th\u1ee9 ba th\u00ec T\u00f2a \u00e1n t\u1eeb ch\u1ed1i v\u00e0\u00a0\u0111\u1ec1 ngh\u1ecb kh\u1edfi ki\u1ec7n t\u1ea1i m\u1ed9t v\u1ee5 \u00e1n kh\u00e1c. Khi \u0111\u00e3 c\u00f3 quy\u1ebft \u0111\u1ecbnh tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n doanh nghi\u1ec7p, TCTD ti\u1ebfp t\u1ee5c kh\u1edfi ki\u1ec7n y\u00eau c\u1ea7u x\u1eed l\u00fd TSB\u0110 c\u1ee7a b\u00ean th\u1ee9 ba nh\u1eb1m thu h\u1ed3i v\u1ed1n c\u00f3 T\u00f2a \u00e1n l\u1ea1i kh\u00f4ng th\u1ee5 l\u00fd v\u1edbi l\u00fd do ngh\u0129a v\u1ee5 (kho\u1ea3n n\u1ee3) kh\u00f4ng c\u00f2n t\u1ed3n t\u1ea1i (do doanh nghi\u1ec7p kh\u00f4ng c\u00f2n t\u1ed3n t\u1ea1i v\u00e0 theo lu\u1eadt \u0111\u00e3 \u0111\u01b0\u1ee3c xo\u00e1 n\u1ee3). \u0110i\u1ec1u n\u00e0y \u0111\u00e3 t\u01b0\u1edbc b\u1ecf quy\u1ec1n h\u1ee3p ph\u00e1p v\u00e0 g\u00e2y thi\u1ec7t h\u1ea1i cho TCTD, c\u1ea7n \u0111\u01b0\u1ee3c s\u1edbm th\u00e1o g\u1ee1.<\/p>\n
Th\u1ee9 s\u00e1u, v\u01b0\u1edbng m\u1eafc do T\u00f2a \u00e1n hi\u1ec3u kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a BLDS v\u1ec1 m\u1ed9t t\u00e0i s\u1ea3n c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o cho nhi\u1ec1u ngh\u0129a v\u1ee5 t\u00edn d\u1ee5ng<\/p>\n
C\u0103n c\u1ee9 c\u00e1c quy \u0111\u1ecbnh n\u00eau tr\u00ean, vi\u1ec7c c\u00e1c b\u00ean th\u1ecfa thu\u1eadn ngh\u0129a v\u1ee5\u00a0\u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m bao g\u1ed3m c\u1ea3 c\u00e1c ngh\u0129a v\u1ee5 ph\u00e1t sinh trong t\u01b0\u01a1ng lai (c\u00e1c ngh\u0129a v\u1ee5 t\u1ea1i c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c k\u00fd k\u1ebft sau ng\u00e0y k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m) l\u00e0 ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n
Khi ph\u00e1t sinh tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn y\u00eau c\u1ea7u ph\u00e1t m\u00e3i TSB\u0110 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho ngh\u0129a v\u1ee5 c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c k\u00fd sau ng\u00e0y k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p th\u00ec th\u1ea9m ph\u00e1n kh\u00f4ng ch\u1ea5p nh\u1eadn v\u00ec cho r\u1eb1ng h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o cho h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft v\u00e0o th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p. Vi\u1ec7c c\u00e1c Th\u1ea9m ph\u00e1n kh\u00f4ng ch\u1ea5p nh\u1eadn m\u1ed9t TSB\u0110 cho c\u00e1c ngh\u0129a v\u1ee5 c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c k\u00fd k\u1ebft sau ng\u00e0y k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 344 BLDS quy \u0111\u1ecbnh: \u201cTh\u1eddi h\u1ea1n th\u1ebf ch\u1ea5p do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn, n\u1ebfu kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn th\u00ec vi\u1ec7c th\u1ebf ch\u1ea5p c\u00f3 th\u1eddi h\u1ea1n \u0111\u1ebfn khi ch\u1ea5m d\u1ee9t ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m\u201d v\u00e0 Kho\u1ea3n 5 \u0110i\u1ec1u 3 Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m bao g\u1ed3m c\u1ea3 ngh\u0129a v\u1ee5 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.<\/p>\n
Th\u1ee9 b\u1ea3y, t\u1ed5 ch\u1ee9c b\u00e1n \u0111\u1ea5u gi\u00e1 y\u00eau c\u1ea7u vi\u1ec7c b\u00e1n \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ph\u1ea3i c\u00f3 v\u0103n b\u1ea3n\u00a0 \u1ee7y quy\u1ec1n b\u00e1n \u0111\u1ea5u gi\u00e1<\/p>\n
Kho\u1ea3n 4 \u0110i\u1ec1u 58 Ngh\u1ecb\u00a0\u0111\u1ecbnh 163\/2006\/N\u0110-CP (\u0111\u00e3\u00a0\u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh 11\/2012\/N\u0110-CP) quy \u0111\u1ecbnh: \u201cNg\u01b0\u1eddi x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u0103n c\u1ee9 n\u1ed9i dung \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 ti\u1ebfn h\u00e0nh x\u1eed l\u00fd TSB\u0110 m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 v\u0103n b\u1ea3n \u1ee7y quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m\u201d.<\/p>\n
Tuy nhi\u00ean, c\u00e1c trung t\u00e2m b\u00e1n \u0111\u1ea5u gi\u00e1 v\u1eabn y\u00eau c\u1ea7u vi\u1ec7c b\u00e1n TSB\u0110 ph\u1ea3i c\u00f3\u00a0\u0111\u1ed3ng \u00fd c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m. Do \u0111\u00f3, tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng b\u1ecf tr\u1ed1n, kh\u00f4ng h\u1ee3p t\u00e1c, kh\u00f4ng k\u00fd h\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n b\u00e1n \u0111\u1ea5u gi\u00e1 th\u00ec TCTD kh\u00f4ng th\u1ec3 k\u00fd h\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n b\u00e1n \u0111\u1ea5u gi\u00e1 v\u1edbi Trung t\u00e2m b\u00e1n \u0111\u1ea5u gi\u00e1. Do \u0111\u00f3, vi\u1ec7c b\u00e1n \u0111\u1ea5u gi\u00e1 kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a TCTD.<\/p>\n
Th\u1ee9 t\u00e1m, v\u01b0\u1edbng m\u1eafc trong vi\u1ec7c chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n<\/p>\n
Theo quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 2 \u0110i\u1ec1u 12 Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch 16\/2014\/TTLT-BTP-BTNMT-NHNN ng\u00e0y 06\/6\/2014 h\u01b0\u1edbng d\u1eabn m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 x\u1eed l\u00fd TSB\u0110 (Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch 16), b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c k\u00fd c\u00e1c h\u1ee3p \u0111\u1ed3ng, gi\u1ea5y t\u1edd, t\u00e0i li\u1ec7u chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n n\u1ebfu b\u1ebfn b\u1ea3o \u0111\u1ea3m kh\u00f4ng t\u1ef1 nguy\u1ec7n k\u00fd c\u00e1c gi\u1ea5y t\u1edd n\u00e0y. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, m\u1ed9t s\u1ed1 c\u00f4ng ch\u1ee9ng vi\u00ean v\u1eabn y\u00eau c\u1ea7u TCTD ch\u1ec9 \u0111\u01b0\u1ee3c k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi t\u01b0 c\u00e1ch l\u00e0 b\u00ean b\u00e1n TSB\u0110 n\u1ebfu c\u00f3 v\u0103n b\u1ea3n \u1ee7y quy\u1ec1n h\u1ee3p ph\u00e1p c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n v\u00e0 gi\u00e1 b\u00e1n ph\u1ea3i \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 g\u00e2y kh\u00f3 kh\u0103n cho TCTD v\u00ec kh\u00e1ch h\u00e0ng th\u01b0\u1eddng kh\u00f4ng h\u1ee3p t\u00e1c v\u00e0 kh\u00f4ng \u0111\u1ed3ng \u00fd k\u00fd v\u0103n b\u1ea3n \u1ee7y quy\u1ec1n d\u1eabn \u0111\u1ebfn t\u00e0i s\u1ea3n kh\u00f4ng th\u1ec3 sang t\u00ean cho ng\u01b0\u1eddi mua.<\/p>\n
Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch 16 c\u0169ng quy \u0111\u1ecbnh tr\u01b0\u1eddng h\u1ee3p nh\u1eadn ch\u00ednh TSB\u0110\u00a0\u0111\u1ec3 thay th\u1ebf vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m th\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ho\u1eb7c v\u0103n b\u1ea3n th\u1ecfa thu\u1eadn kh\u00e1c v\u1ec1 vi\u1ec7c nh\u1eadn ch\u00ednh TSB\u0110\u00a0\u0111\u1ec3 thay th\u1ebf vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng thay th\u1ebf h\u1ee3p \u0111\u1ed3ng, gi\u1ea5y t\u1edd, t\u00e0i li\u1ec7u chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n s\u1eed d\u1ee5ng TSB\u0110. Tuy nhi\u00ean, c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu\/quy\u1ec1n s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n kh\u00f4ng ch\u1ea5p nh\u1eadn c\u00e1c gi\u1ea5y t\u1edd chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu\/quy\u1ec1n s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n do b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m k\u00fd trong tr\u01b0\u1eddng h\u1ee3p b\u00ean b\u1ea3o \u0111\u1ea3m kh\u00f4ng t\u1ef1 nguy\u1ec7n k\u00fd c\u00e1c gi\u1ea5y t\u1edd n\u00e0y m\u00e0 y\u00eau c\u1ea7u ph\u1ea3i qua h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng gi\u1eefa b\u00ean b\u1ea3o \u0111\u1ea3m v\u00e0 b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m.<\/p>\n
Kho\u1ea3n 5 \u0110i\u1ec1u 12 Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch 16 cho ph\u00e9p c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng, giao d\u1ecbch chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n s\u1eed d\u1ee5ng tr\u01b0\u1edbc khi x\u00f3a \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf c\u00e1c v\u0103n ph\u00f2ng QSD\u0110 \u0111\u1ec1u y\u00eau c\u1ea7u TCTD ph\u1ea3i x\u00f3a \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p tr\u01b0\u1edbc. Vi\u1ec7c x\u00f3a \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi chuy\u1ec3n nh\u01b0\u1ee3ng d\u1eabn \u0111\u1ebfn kho\u1ea3n n\u1ee3 c\u1ee7a TCTD t\u1eeb c\u00f3 TSB\u0110 th\u00e0nh kh\u00f4ng c\u00f3 TSB\u0110.<\/p>\n
Th\u1ee9 ch\u00edn, ch\u1ea5p h\u00e0nh vi\u00ean ch\u01b0a th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh v\u1ec1 c\u00e1c th\u1eddi h\u1ea1n trong thi h\u00e0nh \u00e1n<\/p>\n
Lu\u1eadt thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 2008 \u0111\u00e3 c\u00f3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1eddi h\u1ea1n ra quy\u1ebft \u0111\u1ecbnh thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1, th\u1eddi h\u1ea1n ra quy\u1ebft \u0111\u1ecbnh thi h\u00e0nh quy\u1ebft \u0111\u1ecbnh \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p kh\u1ea9n c\u1ea5p t\u1ea1m th\u1eddi (\u0110i\u1ec1u 36), th\u1eddi h\u1ea1n th\u00f4ng b\u00e1o thi h\u00e0nh \u00e1n (\u0110i\u1ec1u 39), th\u1eddi h\u1ea1n c\u01b0\u1ee1ng ch\u1ebf (\u0110i\u1ec1u 46). Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf v\u00ec nhi\u1ec1u l\u00fd do kh\u00e1c nhau, v\u1eabn c\u00f2n t\u1ed3n t\u1ea1i c\u00e1c tr\u01b0\u1eddng h\u1ee3p, Ch\u1ea5p h\u00e0nh vi\u00ean ch\u01b0a th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1eddi h\u1ea1n trong thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1\u00a0 d\u1eabn \u0111\u1ebfn vi\u1ec7c thi h\u00e0nh \u00e1n h\u1ebft s\u1ee9c ch\u1eadm tr\u1ec5, k\u00e9o d\u00e0i.<\/p>\n
Ngo\u00e0i ra, khi tham gia v\u00e0o qu\u00e1 tr\u00ecnh t\u1ed1 t\u1ee5ng, TCTD c\u00f2n g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n kh\u00e1c do c\u00e1ch \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt kh\u00f4ng \u0111\u00fang nh\u01b0 T\u00f2a \u00e1n tuy\u00ean t\u1ea1m \u0111\u00ecnh ch\u1ec9 gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh; T\u00f2a \u00e1n tr\u1ea3 l\u1ea1i \u0111\u01a1n kh\u1edfi ki\u1ec7n, \u0111\u00ecnh ch\u1ec9 v\u1ee5 \u00e1n v\u1edbi c\u0103n c\u1ee9 kh\u00f4ng \u0111\u00fang c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt; T\u00f2a \u00e1n y\u00eau c\u1ea7u TCTD cung c\u1ea5p \u0111\u1ecba ch\u1ec9 c\u1ee7a nh\u1eefng ng\u01b0\u1eddi hi\u1ec7n \u0111ang s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p t\u1ea1i th\u1eddi \u0111i\u1ec3m TCTD n\u1ed9p h\u1ed3 s\u01a1 kh\u1edfi ki\u1ec7n; T\u00f2a \u00e1n y\u00eau c\u1ea7u \u0111\u01b0\u01a1ng s\u1ef1 cung c\u1ea5p t\u00e0i li\u1ec7u ch\u1ee9ng c\u1ee9 \u0111\u1ec3 ch\u1ee9ng minh v\u1ec1 v\u1ea5n \u0111\u1ec1 m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh kh\u00f4ng ph\u1ea3i ch\u1ee9ng minh; C\u01a1 quan thi h\u00e0nh \u00e1n t\u1eeb ch\u1ed1i k\u00ea bi\u00ean t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n
3. M\u1ed9t s\u1ed1 khuy\u1ebfn ngh\u1ecb<\/p>\n
T\u1eeb nh\u1eefng v\u01b0\u1edbng m\u1eafc, b\u1ea5t c\u1eadp n\u00eau tr\u00ean, ch\u00fang t\u00f4i xin \u0111\u01b0a ra m\u1ed9t s\u1ed1 khuy\u1ebfn ngh\u1ecb nh\u1eb1m ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd, g\u00f3p ph\u1ea7n n\u00e2ng cao hi\u1ec7u qu\u1ea3 x\u1eed l\u00fd\u00a0n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c TCTD nh\u01b0 sau:<\/p>\n
– \u0110\u1ec3 kh\u1eafc ph\u1ee5c b\u1ea5t c\u1eadp \u0111\u00e3 n\u1ea3y sinh, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c x\u1eed l\u00fd n\u1ee3 c\u1ee7a TCTD, B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 c\u1ea7n \u0111\u01b0\u1ee3c b\u1ed5 sung, s\u1eeda \u0111\u1ed5i c\u00e1c quy \u0111\u1ecbnh sau \u0111\u00e2y: (i) Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 h\u01a1n v\u1ec1 ch\u1ee7 th\u1ec3 \u1ee7y quy\u1ec1n v\u00e0 \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n l\u00e0 c\u00e1c c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n; (ii) B\u1ed5 sung quy \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 v\u1ec1 c\u00e1c ti\u00eau ch\u00ed x\u00e1c \u0111\u1ecbnh H\u1ed9 gia \u0111\u00ecnh, th\u00e0nh vi\u00ean H\u1ed9 gia \u0111\u00ecnh t\u1ea1i \u0110i\u1ec1u 106 BLDS v\u00e0 th\u1ed1ng nh\u1ea5t v\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan (Lu\u1eadt \u0110\u1ea5t \u0111ai); (iii) B\u1ed5 sung quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 cho ph\u00e9p b\u00ean b\u1ea3o \u0111\u1ea3m (b\u00ean th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1) c\u00f3 th\u1ec3 d\u00f9ng t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c.<\/p>\n
– \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c x\u1eed l\u00fd TSB\u0110 \u0111\u01b0\u1ee3c di\u1ec5n ra nhanh ch\u00f3ng, thu\u1eadn l\u1ee3i, B\u1ed9 lu\u1eadt TTDS c\u1ea7n b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh v\u1ec1 (i) Tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c T\u00f2a \u00e1n ti\u1ebfp t\u1ee5c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n khi l\u00fd do t\u1ea1m \u0111\u00ecnh ch\u1ec9 t\u1ea1i \u0110i\u1ec1u 191 kh\u00f4ng c\u00f2n; (ii) Tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n theo tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c r\u00fat g\u1ecdn; (iii) Th\u1eddi h\u1ea1n m\u1ed7i phi\u00ean h\u00f2a gi\u1ea3i, s\u1ed1 l\u1ea7n ho\u00e3n h\u00f2a gi\u1ea3i trong t\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 v\u00e0o \u0110i\u1ec1u 184; (iv) Tr\u00e1ch nhi\u1ec7m c\u1ee7a Th\u1ea9m ph\u00e1n trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p kh\u1ea9n c\u1ea5p t\u1ea1m th\u1eddi theo quy \u0111\u1ecbnh d\u1eabn \u0111\u1ebfn thi\u1ec7t h\u1ea1i cho b\u00ean y\u00eau c\u1ea7u t\u1ea1i \u0110i\u1ec1u 99; (v) Quy \u0111\u1ecbnh v\u1ec1 \u1ee7y quy\u1ec1n cho ph\u00e1p nh\u00e2n, k\u1ebf th\u1eeba quy\u1ec1n, ngh\u0129a v\u1ee5 trong t\u1ed1 t\u1ee5ng.<\/p>\n
– Nh\u1eb1m khuy\u1ebfn kh\u00edch c\u00e1c TCTD th\u1ef1c hi\u1ec7n x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00e0 khuy\u1ebfn kh\u00edch s\u1ef1 h\u1ee3p t\u00e1c c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m khi tham gia qu\u00e1 tr\u00ecnh x\u1eed l\u00fd t\u00e0i s\u1ea3n, Lu\u1eadt thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 c\u1ea7n s\u1eeda \u0111\u1ed5i b\u1ed5 sung nh\u01b0 sau: (i) S\u1eeda \u0111\u1ed5i Kho\u1ea3n 3 \u0110i\u1ec1u 47 theo h\u01b0\u1edbng: S\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p ph\u1ea3i \u0111\u01b0\u1ee3c \u01b0u ti\u00ean thanh to\u00e1n cho ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m tr\u01b0\u1edbc khi tr\u1eeb c\u00e1c chi ph\u00ed v\u1ec1 thi h\u00e0nh \u00e1n; (ii) S\u1eeda quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 90 theo h\u01b0\u1edbng: Vi\u1ec7c k\u00ea bi\u00ean t\u00e0i s\u1ea3n \u0111ang c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n khi ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m \u0111\u1ebfn h\u1ea1n, kho\u1ea3n ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u00e1n TSB\u0110 ph\u1ea3i \u01b0u ti\u00ean thanh to\u00e1n ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m; (iii) s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 60 theo h\u01b0\u1edbng: Quy \u0111\u1ecbnh ng\u01b0\u1eddi ph\u1ea3i thi h\u00e0nh \u00e1n ch\u1ecbu to\u00e0n b\u1ed9 ph\u00ed thi h\u00e0nh \u00e1n, \u0111\u1ed3ng th\u1eddi \u00e1p d\u1ee5ng th\u00eam c\u00e1c ch\u1ebf t\u00e0i \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u1ed1 t\u00ecnh k\u00e9o d\u00e0i th\u1eddi gian thi h\u00e0nh \u00e1n nh\u01b0 bu\u1ed9c ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t tr\u1ea3 ch\u1eadm…<\/p>\n
– B\u1ed5 sung quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m quy \u0111\u1ecbnh v\u1ec1 th\u1ee7 t\u1ee5c gi\u1ea3i ch\u1ea5p t\u1eebng ph\u1ea7n \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n l\u00e0 QSD\u0110 v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t.<\/p>\n
– B\u1ed9 T\u00e0i ch\u00ednh c\u1ea7n xem x\u00e9t s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 17 Th\u00f4ng t\u01b0 78\/2014\/TT-BTC, \u0110i\u1ec1u 26 Th\u00f4ng t\u01b0 111\/2013\/TT-BTC theo h\u01b0\u1edbng s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u00e1n TSB\u0110 s\u1ebd \u0111\u01b0\u1ee3c n\u1ed9p thu\u1ebf sau khi thanh to\u00e1n ngh\u0129a v\u1ee5 v\u1edbi b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m.<\/p>\n
– Ch\u00ednh ph\u1ee7 c\u1ea7n kh\u1ea9n tr\u01b0\u01a1ng ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n kinh doanh d\u1ecbch v\u1ee5 mua b\u00e1n n\u1ee3 \u0111\u1ec3 t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd cho c\u00e1c doanh nghi\u1ec7p \u0111\u0103ng k\u00fd kinh doanh \u0111\u1ed1i v\u1edbi ng\u00e0nh ngh\u1ec1 n\u00e0y, \u0111\u1ed3ng th\u1eddi t\u1ea1o c\u01a1 s\u1edf ph\u00e1p l\u00fd cho s\u1ef1 ra \u0111\u1eddi v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a s\u00e0n giao d\u1ecbch mua b\u00e1n n\u1ee3.<\/p>\n
– N\u00e2ng cao h\u01a1n hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1. Trong \u0111\u00f3 c\u1ea7n t\u1eadp trung t\u1ed5 ch\u1ee9c thi h\u00e0nh c\u00e1c b\u1ea3n \u00e1n, quy\u1ebft \u0111\u1ecbnh \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt, c\u00f3\u00a0\u0111i\u1ec1u ki\u1ec7n thi h\u00e0nh c\u1ee7a c\u00e1c TCTD. Vi\u1ec7c thi h\u00e0nh \u00e1n c\u00f3 hi\u1ec7u qu\u1ea3 s\u1ebd gi\u00fap l\u00e0m gi\u1ea3m th\u1ef1c ch\u1ea5t n\u1ee3 x\u1ea5u c\u1ee7a TCTD.<\/p>\n
\u0110o\u00e0n Th\u00e1i S\u01a1n – PC<\/p>\n","protected":false},"excerpt":{"rendered":"
Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 nhi\u1ec7m v\u1ee5 tr\u1ecdng t\u00e2m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 quan t\u00e2m ch\u1ec9 \u0111\u1ea1o, c\u00e1c B\u1ed9, ng\u00e0nh v\u00e0 c\u01a1 quan li\u00ean quan ph\u1ed1i h\u1ee3p c\u00f9ng tri\u1ec3n khai th\u1ef1c hi\u1ec7n. Tuy nhi\u00ean, qu\u00e1 …<\/p>\n","protected":false},"author":1,"featured_media":996,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[50],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1308"}],"collection":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/comments?post=1308"}],"version-history":[{"count":1,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1308\/revisions"}],"predecessor-version":[{"id":1309,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1308\/revisions\/1309"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/996"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=1308"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=1308"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=1308"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}