Ng\u00e0y 19\/6\/2014, Qu\u1ed1c h\u1ed9i n\u01b0\u1edbc C\u1ed9ng h\u00f2a x\u00e3 h\u1ed9i ch\u1ee7 ngh\u0129a Vi\u1ec7t Nam kh\u00f3a XIII, k\u1ef3 h\u1ecdp th\u1ee9 7 \u0111\u00e3 th\u00f4ng qua Lu\u1eadt ph\u00e1 s\u1ea3n (s\u1eeda \u0111\u1ed5i). Lu\u1eadt ph\u00e1 s\u1ea3n 2014 \u0111\u01b0\u1ee3c ban h\u00e0nh nh\u1eb1m kh\u1eafc ph\u1ee5c c\u00e1c b\u1ea5t c\u1eadp \u0111\u00e3 n\u1ea3y sinh trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n Lu\u1eadt Ph\u00e1 s\u1ea3n 2004 v\u00e0 t\u1ea1o l\u1eadp c\u01a1 ch\u1ebf m\u1edbi x\u1eed l\u00fd ph\u00e1 s\u1ea3n doanh nghi\u1ec7p hi\u1ec7u qu\u1ea3 h\u01a1n, b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1c b\u00ean li\u00ean quan. \u0110i\u1ec3m m\u1edbi c\u01a1 b\u1ea3n c\u1ee7a Lu\u1eadt ph\u00e1 s\u1ea3n 2014 l\u00e0 \u0111\u00e3 lu\u1eadt h\u00f3a c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ph\u00e1 s\u1ea3n t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD), x\u00e2y d\u1ef1ng c\u01a1 ch\u1ebf x\u1eed l\u00fd ph\u00e1 s\u1ea3n ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c TCTD, bao g\u1ed3m m\u1ed9t s\u1ed1 n\u1ed9i dung c\u01a1 b\u1ea3n sau:<\/p>\n
1. V\u1ec1 n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi TCTD<\/strong><\/p>\n Lu\u1eadt\u00a0Ph\u00e1 s\u1ea3n 2014 \u0111\u00e3 kh\u1eafc ph\u1ee5c b\u1ea5t c\u1eadp tr\u01b0\u1edbc \u0111\u00e2y, quy \u0111\u1ecbnh r\u00f5 h\u01a1n v\u1ec1 vi\u1ec7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi TCTD:<\/p>\n Th\u1ee9 nh\u1ea5t, v\u1ec1 th\u1eddi \u0111i\u1ec3m n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n<\/em>. Kh\u00e1c v\u1edbi th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n doanh nghi\u1ec7p th\u00f4ng th\u01b0\u1eddng, Lu\u1eadt ph\u00e1 s\u1ea3n 2014 quy \u0111\u1ecbnh r\u00f5 vi\u1ec7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi TCTD ch\u1ec9 th\u1ef1c hi\u1ec7n\u00a0sau khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) c\u00f3 m\u1ed9t trong nh\u1eefng v\u0103n b\u1ea3n sau \u0111\u00e2y v\u00e0 TCTD v\u1eabn m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n: (i) V\u0103n b\u1ea3n ch\u1ea5m d\u1ee9t ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, ho\u1eb7c (ii) V\u0103n b\u1ea3n ch\u1ea5m d\u1ee9t \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng thanh to\u00e1n ho\u1eb7c (iii) V\u0103n b\u1ea3n kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng thanh to\u00e1n.<\/p>\n Quy \u0111\u1ecbnh n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c TCTD 2010.Theo \u0111\u00f3, khi TCTD c\u00f3 nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3 ho\u1eb7c kh\u1ea3 n\u0103ng thanh to\u00e1n, NHNN s\u1ebd xem x\u00e9t, quy\u1ebft \u0111\u1ecbnh \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi TCTD \u0111\u00f3; v\u00e0 vi\u1ec7c m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi TCTD s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n khi TCTD kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng kh\u00f4i ph\u1ee5c \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng thanh to\u00e1n v\u00e0 NHNN c\u00f3 v\u0103n b\u1ea3n ch\u1ea5m d\u1ee9t ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t ho\u1eb7c v\u0103n b\u1ea3n ch\u1ea5m d\u1ee9t \u00e1p d\u1ee5ng ho\u1eb7c v\u0103n b\u1ea3n kh\u00f4ng \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng thanh to\u00e1n.<\/p>\n Nh\u01b0 v\u1eady, quy \u0111\u1ecbnh v\u1ec1 th\u1eddi \u0111i\u1ec3m n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi TCTD theo Lu\u1eadt ph\u00e1 s\u1ea3n 2014 \u0111\u1ea3m b\u1ea3o vi\u1ec7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n khi TCTD th\u1ef1c s\u1ef1 kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i, tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p TCTD b\u1ecb n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u ph\u00e1 s\u1ea3n khi ch\u01b0a th\u1ef1c s\u1ef1 l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, t\u1eeb \u0111\u00f3 g\u00e2y t\u00e2m l\u00fd hoang mang, \u1ea3nh h\u01b0\u1edfng t\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD \u0111\u00f3 n\u00f3i ri\u00eang v\u00e0 h\u1ec7 th\u1ed1ng c\u00e1c TCTD n\u00f3i chung.<\/p>\n Th\u1ee9 hai, v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n<\/em><\/p>\n Lu\u1eadt ph\u00e1 s\u1ea3n 2014 quy \u0111\u1ecbnh r\u00f5\u00a0nh\u1eefng ng\u01b0\u1eddi c\u00f3 quy\u1ec1n n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n TCTD, bao g\u1ed3m: (i)\u00a0Ch\u1ee7 n\u1ee3 kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m, ch\u1ee7 n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m m\u1ed9t ph\u1ea7n n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n khi h\u1ebft th\u1eddi h\u1ea1n 03 th\u00e1ng k\u1ec3 t\u1eeb ng\u00e0y kho\u1ea3n n\u1ee3 \u0111\u1ebfn h\u1ea1n m\u00e0 TCTD kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thanh to\u00e1n; (ii) Ng\u01b0\u1eddi lao \u0111\u1ed9ng, c\u00f4ng \u0111o\u00e0n c\u01a1 s\u1edf, c\u00f4ng \u0111o\u00e0n c\u1ea5p tr\u00ean tr\u1ef1c ti\u1ebfp c\u01a1 s\u1edf \u1edf nh\u1eefng n\u01a1i ch\u01b0a th\u00e0nh l\u1eadp c\u00f4ng \u0111o\u00e0n c\u01a1 s\u1edf n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n khi h\u1ebft th\u1eddi h\u1ea1n 03 th\u00e1ng k\u1ec3 t\u1eeb ng\u00e0y ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 l\u01b0\u01a1ng, c\u00e1c kho\u1ea3n n\u1ee3 kh\u00e1c \u0111\u1ebfn h\u1ea1n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u00e0 TCTD kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thanh to\u00e1n; (iii) C\u1ed5 \u0111\u00f4ng ho\u1eb7c nh\u00f3m c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 20% s\u1ed1 c\u1ed5 ph\u1ea7n ph\u1ed5 th\u00f4ng tr\u1edf l\u00ean trong th\u1eddi gian li\u00ean t\u1ee5c \u00edt nh\u1ea5t 06 th\u00e1ng n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n khi TCTD m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n; C\u1ed5 \u0111\u00f4ng ho\u1eb7c nh\u00f3m c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu d\u01b0\u1edbi 20% s\u1ed1 c\u1ed5 ph\u1ea7n ph\u1ed5 th\u00f4ng trong th\u1eddi gian li\u00ean t\u1ee5c \u00edt nh\u1ea5t 06 th\u00e1ng n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n khi TCTD m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n trong tr\u01b0\u1eddng h\u1ee3p \u0110i\u1ec1u l\u1ec7 TCTD quy \u0111\u1ecbnh; (iv) Th\u00e0nh vi\u00ean\u00a0ho\u1eb7c ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt c\u1ee7a h\u1ee3p t\u00e1c x\u00e3 n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n khi h\u1ee3p t\u00e1c x\u00e3 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n.<\/p>\n Lu\u1eadt ph\u00e1 s\u1ea3n 2014 c\u0169ng quy \u0111\u1ecbnh r\u00f5 ngh\u0129a v\u1ee5 c\u1ee7a TCTD n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n TCTD sau khi NHNN c\u00f3 v\u0103n b\u1ea3n ch\u1ea5m d\u1ee9t ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t ho\u1eb7c v\u0103n b\u1ea3n ch\u1ea5m d\u1ee9t \u00e1p d\u1ee5ng ho\u1eb7c kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng thanh to\u00e1n m\u00e0 TCTD v\u1eabn m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n.<\/p>\n Ngo\u00e0i ra, Lu\u1eadt ph\u00e1 s\u1ea3n 2014 c\u0169ng quy \u0111\u1ecbnh tr\u01b0\u1eddng h\u1ee3p TCTD kh\u00f4ng n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n, NHNN c\u00f3 quy\u1ec1n n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi TCTD \u0111\u00f3.<\/p>\n 2. V\u1ec1 th\u1ee5 l\u00fd \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi TCTD<\/strong><\/p>\n Ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh v\u1ec1 th\u1eddi \u0111i\u1ec3m n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n, Lu\u1eadt ph\u00e1 s\u1ea3n 2014 quy \u0111\u1ecbnh T\u00f2a \u00e1n nh\u00e2n d\u00e2n th\u1ee5 l\u00fd \u0111\u01a1n y\u00eau c\u1ea7u m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n TCTD khi \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n ch\u1ea5m d\u1ee9t ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t ho\u1eb7c v\u0103n b\u1ea3n ch\u1ea5m d\u1ee9t \u00e1p d\u1ee5ng ho\u1eb7c kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a NHNN m\u00e0 TCTD v\u1eabn m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n.<\/p>\n 3. V\u1ec1 ho\u00e0n tr\u1ea3 kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t<\/strong><\/p>\n Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 151 Lu\u1eadt c\u00e1c TCTD 2010, TCTD l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3, \u0111e d\u1ecda \u1ed5n \u0111\u1ecbnh c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c TCTD, TCTD c\u00f3 nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3 do c\u00e1c s\u1ef1 c\u1ed1 nghi\u00eam tr\u1ecdng kh\u00e1c th\u00ec \u0111\u01b0\u1ee3c vay \u0111\u1eb7c bi\u1ec7t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c TCTD kh\u00e1c. Kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t \u0111\u01b0\u1ee3c \u01b0u ti\u00ean ho\u00e0n tr\u1ea3 tr\u01b0\u1edbc t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00e1c, k\u1ec3 c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a TCTD.<\/p>\n Tr\u00ean c\u01a1 s\u1edf t\u00ednh ch\u1ea5t c\u1ee7a kho\u1ea3n vay \u0111\u1eb7c bi\u1ec7t v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt\u00a0c\u00e1c TCTD 2010, Lu\u1eadt ph\u00e1 s\u1ea3n 2014 \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5 kho\u1ea3n cho vay \u0111\u1eb7c bi\u1ec7t \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 TCTD kh\u00e1c tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n vi\u1ec7c ph\u00e2n chia t\u00e0i s\u1ea3n c\u00f2n l\u1ea1i c\u1ee7a TCTD ph\u00e1 s\u1ea3n theo quy \u0111\u1ecbnh.<\/p>\n 4. V\u1ec1 th\u1ee9 t\u1ef1 ph\u00e2n chia t\u00e0i s\u1ea3n<\/strong><\/p>\n Do \u0111\u1eb7c th\u00f9 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, th\u1ee9 t\u1ef1 ph\u00e2n chia t\u00e0i s\u1ea3n trong ph\u00e1 s\u1ea3n TCTD c\u0169ng kh\u00e1c v\u1edbi doanh nghi\u1ec7p th\u00f4ng th\u01b0\u1eddng. \u0110\u1ec3 b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i cho \u0111\u1ed1i t\u01b0\u1ee3ng g\u1eedi ti\u1ec1n t\u1ea1i TCTD v\u00e0 t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi \u0111\u00e3 chi tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, Lu\u1eadt ph\u00e1 s\u1ea3n 2014 quy \u0111\u1ecbnh c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi, kho\u1ea3n ti\u1ec1n t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi ph\u1ea3i tr\u1ea3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n t\u1ea1i TCTD ph\u00e1 s\u1ea3n \u0111\u01b0\u1ee3c \u01b0u ti\u00ean chi tr\u1ea3 tr\u01b0\u1edbc c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi Nh\u00e0 n\u01b0\u1edbc; kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m ph\u1ea3i tr\u1ea3 cho ch\u1ee7 n\u1ee3 trong danh s\u00e1ch ch\u1ee7 n\u1ee3; kho\u1ea3n n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m ch\u01b0a \u0111\u01b0\u1ee3c thanh to\u00e1n do gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00f4ng \u0111\u1ee7 thanh to\u00e1n n\u1ee3. Theo \u0111\u00f3, th\u1ee9 t\u1ef1 ph\u00e2n chia t\u00e0i s\u1ea3n trong ph\u00e1 s\u1ea3n TCTD \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo th\u1ee9 t\u1ef1 nh\u01b0 sau: (i) Chi ph\u00ed ph\u00e1 s\u1ea3n; (ii) Kho\u1ea3n n\u1ee3 l\u01b0\u01a1ng, tr\u1ee3 c\u1ea5p th\u00f4i vi\u1ec7c, b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng, quy\u1ec1n l\u1ee3i kh\u00e1c theo h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng v\u00e0 th\u1ecfa \u01b0\u1edbc lao \u0111\u1ed9ng t\u1eadp th\u1ec3 \u0111\u00e3 k\u00fd k\u1ebft; (iii) Kho\u1ea3n ti\u1ec1n g\u1eedi; kho\u1ea3n ti\u1ec1n t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi ph\u1ea3i tr\u1ea3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n t\u1ea1i TCTD ph\u00e1 s\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi v\u00e0 h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN;(iv) Ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi Nh\u00e0 n\u01b0\u1edbc; kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m ph\u1ea3i tr\u1ea3 cho ch\u1ee7 n\u1ee3 trong danh s\u00e1ch ch\u1ee7 n\u1ee3; kho\u1ea3n n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m ch\u01b0a \u0111\u01b0\u1ee3c thanh to\u00e1n do gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00f4ng \u0111\u1ee7 thanh to\u00e1n n\u1ee3.<\/p>\n Tr\u01b0\u1eddng h\u1ee3p gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 n\u00eau tr\u00ean, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng thu\u1ed9c c\u00f9ng m\u1ed9t th\u1ee9 t\u1ef1 \u01b0u ti\u00ean \u0111\u01b0\u1ee3c thanh to\u00e1n theo t\u1ef7 l\u1ec7\u00a0ph\u1ea7n tr\u0103m t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 n\u1ee3.<\/p>\n 5. V\u1ec1 vi\u1ec7c tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n nh\u1eadn \u1ee7y th\u00e1c, nh\u1eadn gi\u1eef h\u1ed9 khi\u00a0TCTD b\u1ecb tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n v\u00e0 thanh l\u00fd t\u00e0i s\u1ea3n ph\u00e1 s\u1ea3n<\/strong><\/p>\n Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, c\u00e1c TCTD \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng nh\u1eadn \u1ee7y th\u00e1c, gi\u1eef h\u1ed9, qu\u1ea3n l\u00fd, b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n. Theo \u0111\u00f3, kh\u00e1ch h\u00e0ng chuy\u1ec3n giao t\u00e0i s\u1ea3n cho TCTD gi\u1eef h\u1ed9, qu\u1ea3n l\u00fd h\u1ed9 theo h\u1ee3p \u0111\u1ed3ng cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a TCTD ho\u1eb7c chuy\u1ec3n giao t\u00e0i s\u1ea3n cho TCTD theo h\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c. T\u00e0i s\u1ea3n n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 t\u00e0i s\u1ea3n c\u1ee7a TCTD m\u00e0 ph\u1ea3i tr\u1ea3 l\u1ea1i cho ch\u1ee7 t\u00e0i s\u1ea3n khi TCTD b\u1ecb ph\u00e1 s\u1ea3n. Do \u0111\u00f3, \u0110i\u1ec1u 102 Lu\u1eadt Ph\u00e1 s\u1ea3n 2014 quy \u0111\u1ecbnh: trong th\u1eddi h\u1ea1n 10 ng\u00e0y l\u00e0m vi\u1ec7c k\u1ec3 t\u1eeb ng\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh tuy\u00ean b\u1ed1 TCTD ph\u00e1 s\u1ea3n, ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n \u1ee7y th\u00e1c cho TCTD, g\u1eedi TCTD gi\u1eef h\u1ed9, giao TCTD qu\u1ea3n l\u00fd th\u00f4ng qua h\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c, gi\u1eef h\u1ed9, qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n ph\u1ea3i xu\u1ea5t tr\u00ecnh gi\u1ea5y t\u1edd ch\u1ee9ng minh quy\u1ec1n s\u1edf h\u1eefu v\u00e0 h\u1ed3 s\u01a1, gi\u1ea5y t\u1edd li\u00ean quan v\u1edbi c\u01a1 quan thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 \u0111\u1ec3 nh\u1eadn l\u1ea1i t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh.<\/p>\n 6. V\u1ec1 giao d\u1ecbch c\u1ee7a\u00a0TCTD trong giai \u0111o\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t<\/strong><\/p>\n \u0110i\u1ec1u 59 Lu\u1eadt ph\u00e1 s\u1ea3n 2014, quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch b\u1ecb coi v\u00f4 hi\u1ec7u nh\u1eb1m ng\u0103n ch\u1eb7n tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p c\u1ed1 t\u00ecnh t\u1ea9u t\u00e1n t\u00e0i s\u1ea3n tr\u01b0\u1edbc ph\u00e1 s\u1ea3n, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho c\u00e1c ch\u1ee7 n\u1ee3 c\u1ee7a t\u1ed5 ch\u1ee9c b\u1ecb ph\u00e1 s\u1ea3n. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi TCTD trong giai \u0111o\u1ea1n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, c\u00e1c giao d\u1ecbch TCTD \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u01b0\u1edbi s\u1ef1 ki\u1ec3m so\u00e1t c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc l\u00e0 NHNN v\u00e0 \u0111\u1ec1u l\u00e0 nh\u1eefng giao d\u1ecbch c\u1ea7n thi\u1ebft cho vi\u1ec7c \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a TCTD. Do \u0111\u00f3, \u0110i\u1ec1u 103 Lu\u1eadt ph\u00e1 s\u1ea3n 2014 quy \u0111\u1ecbnh giao d\u1ecbch c\u1ee7a TCTD th\u1ef1c hi\u1ec7n trong giai \u0111o\u1ea1n NHNN \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t ho\u1eb7c \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng thanh to\u00e1n d\u01b0\u1edbi s\u1ef1 ki\u1ec3m so\u00e1t c\u1ee7a NHNN s\u1ebd kh\u00f4ng \u00e1p d\u1ee5ng quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch v\u00f4 hi\u1ec7u quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 59 c\u1ee7a Lu\u1eadt ph\u00e1 s\u1ea3n 2014.<\/p>\n 7. V\u1ec1 quy\u1ebft \u0111\u1ecbnh tuy\u00ean b\u1ed1 TCTD ph\u00e1 s\u1ea3n<\/strong><\/p>\n Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c TCTD 2010, khi TCTD c\u00f3 nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3, m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, NHNN s\u1ebd xem x\u00e9t \u00e1p d\u1ee5ng th\u1ee7 t\u1ee5c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi TCTD. Trong qu\u00e1 tr\u00ecnh \u00e1p d\u1ee5ng th\u1ee7 t\u1ee5c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, NHNN \u00e1p d\u1ee5ng nhi\u1ec1u bi\u1ec7n ph\u00e1p \u0111\u1ec3 ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng c\u1ee7a TCTD nh\u01b0ng TCTD kh\u00f4ng ph\u1ee5c h\u1ed3i \u0111\u01b0\u1ee3c, NHNN c\u00f3 v\u0103n b\u1ea3n\u00a0g\u1eedi T\u00f2a \u00e1n \u0111\u1ec3 ph\u00e1 s\u1ea3n.\u00a0Do \u0111\u00f3, khi m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n \u0111\u1ed1i v\u1edbi TCTD, Lu\u1eadt ph\u00e1 s\u1ea3n 2014 quy \u0111\u1ecbnh T\u00f2a \u00e1n kh\u00f4ng \u00e1p d\u1ee5ng th\u1ee7 t\u1ee5c H\u1ed9i ngh\u1ecb ch\u1ee7 n\u1ee3 v\u00e0 th\u1ee7 t\u1ee5c ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng kinh doanh.\u00a0Trong th\u1eddi h\u1ea1n 30 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y Qu\u1ea3n t\u00e0i vi\u00ean, doanh nghi\u1ec7p qu\u1ea3n l\u00fd, thanh l\u00fd t\u00e0i s\u1ea3n l\u1eadp xong danh s\u00e1ch ch\u1ee7 n\u1ee3, danh s\u00e1ch ng\u01b0\u1eddi m\u1eafc n\u1ee3, b\u1ea3ng k\u00ea t\u00e0i s\u1ea3n c\u1ee7a TCTD, T\u00f2a \u00e1n nh\u00e2n d\u00e2n ra quy\u1ebft \u0111\u1ecbnh tuy\u00ean b\u1ed1 TCTD ph\u00e1 s\u1ea3n. Quy \u0111\u1ecbnh n\u00e0y nh\u1eb1m \u0111\u1ea9y nhanh ti\u1ebfn \u0111\u1ed9 gi\u1ea3i quy\u1ebft ph\u00e1 s\u1ea3n TCTD, \u0111\u1ea3m b\u1ea3o quy\u1ec1n v\u00e0 l\u1ee3i \u00edch cho c\u00e1c ch\u1ee7 n\u1ee3 c\u1ee7a TCTD v\u00e0 ph\u00f9 h\u1ee3p \u0111\u1eb7c th\u00f9 c\u1ee7a TCTD.<\/p>\n Lu\u1eadt\u00a0ph\u00e1 s\u1ea3n 2014 s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/01\/2015, \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd h\u1ea1n ch\u1ebf \u0111\u1ebfn m\u1ee9c th\u1ea5p nh\u1ea5t nh\u1eefng h\u1eadu qu\u1ea3 do ph\u00e1 s\u1ea3n g\u00e2y ra, b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1c b\u00ean tham gia quan h\u1ec7 kinh t\u1ebf tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro trong kinh doanh .<\/p>\n Nguy\u1ec5n L\u01b0\u01a1ng Tr\u00e0 – PC – Theo SBV<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Ng\u00e0y 19\/6\/2014, Qu\u1ed1c h\u1ed9i n\u01b0\u1edbc C\u1ed9ng h\u00f2a x\u00e3 h\u1ed9i ch\u1ee7 ngh\u0129a Vi\u1ec7t Nam kh\u00f3a XIII, k\u1ef3 h\u1ecdp th\u1ee9 7 \u0111\u00e3 th\u00f4ng qua Lu\u1eadt ph\u00e1 s\u1ea3n (s\u1eeda \u0111\u1ed5i). Lu\u1eadt ph\u00e1 s\u1ea3n 2014 \u0111\u01b0\u1ee3c ban h\u00e0nh nh\u1eb1m kh\u1eafc ph\u1ee5c c\u00e1c b\u1ea5t c\u1eadp \u0111\u00e3 n\u1ea3y sinh trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n Lu\u1eadt Ph\u00e1 s\u1ea3n 2004 v\u00e0 t\u1ea1o l\u1eadp …<\/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\/979"}],"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=979"}],"version-history":[{"count":3,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/979\/revisions"}],"predecessor-version":[{"id":1307,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/979\/revisions\/1307"}],"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=979"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=979"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=979"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}