{"id":12714,"date":"2019-01-28T14:18:25","date_gmt":"2019-01-28T07:18:25","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=12714"},"modified":"2023-10-28T16:24:55","modified_gmt":"2023-10-28T09:24:55","slug":"tai-san-bao-dam-nhung-chua-chac-da-dam-bao","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/tai-san-bao-dam-nhung-chua-chac-da-dam-bao\/","title":{"rendered":"T\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m nh\u01b0ng ch\u01b0a ch\u1eafc \u0111\u00e3 \u0111\u1ea3m b\u1ea3o"},"content":{"rendered":"\n
Ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng mang t\u00ednh r\u1ee7i ro, ngo\u00e0i ng\u00e0nh ngh\u1ec1 kinh doanh quy \u0111\u1ecbnh trong \u0110i\u1ec1u l\u1ec7 \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt cho ph\u00e9p th\u00ec ho\u1ea1t \u0111\u1ed9ng ch\u1ee7 y\u1ebfu c\u1ee7a Ng\u00e2n h\u00e0ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u00e0 cho vay; ho\u1ea1t \u0111\u1ed9ng cho vay lu\u00f4n ti\u1ec1n \u1ea9n r\u1ee7i ro, kh\u00e1ch h\u00e0ng vay v\u1ed1n v\u00ec nhi\u1ec1u l\u00fd do kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 (bao g\u1ed3m c\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 n\u1ee3 l\u00e3i) d\u1eabn \u0111\u1ebfn Ng\u00e2n h\u00e0ng ph\u1ea3i \u201cg\u1ed3ng m\u00ecnh\u201d v\u1eeba b\u00f9 \u0111\u1eafp cho kho\u1ea3n vay m\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c theo H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd, v\u1eeba ph\u1ea3i tr\u1ea3 l\u00e3i ti\u1ec1n huy \u0111\u1ed9ng t\u1eeb t\u1ed5 ch\u1ee9c v\u00e0 ng\u01b0\u1eddi d\u00e2n d\u1eabn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ng\u00e2n h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng. Cho vay v\u1eeba b\u1ea3o to\u00e0n \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n, v\u1eeba b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c ngh\u1ec1 nghi\u1ec7p lu\u00f4n l\u00e0 y\u1ebfu t\u1ed1 s\u1ed1ng c\u00f2n kh\u00f4ng ch\u1ec9 v\u1edbi ng\u00e2n h\u00e0ng m\u00e0 c\u00f2n \u0111\u1ed1i v\u1edbi c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng t\u1ea1i Ng\u00e2n h\u00e0ng. Ng\u01b0\u1eddi ta th\u01b0\u1eddng n\u00f3i, ngh\u1ec1 t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng lu\u00f4n l\u00e0 ngh\u1ec1 kh\u1eafc nghi\u1ec7t, ranh gi\u1edbi gi\u1eefa \u201canh h\u00f9ng\u201d v\u00e0 \u201ct\u1ed9i ph\u1ea1m\u201d l\u00e0 r\u1ea5t mong manh. Hi\u1ec3u ngh\u1ec1, hi\u1ec3u \u0111\u01b0\u1ee3c nh\u1eefng r\u1ee7i ro trong ngh\u1ec1 nghi\u1ec7p c\u1ee7a m\u00ecnh v\u00e0 bi\u1ebft c\u00e1ch v\u01b0\u1ee3t qua lu\u00f4n l\u00e0 \u0111i\u1ec1u m\u00e0 m\u1ecdi c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng mong h\u01b0\u1edbng \u0111\u1ebfn.\u00a0\u00a0<\/div>\n
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C\u00f3 vay th\u00ec ph\u1ea3i c\u00f3 tr\u1ea3, tuy nhi\u00ean, c\u0169ng v\u00ec nhi\u1ec1u l\u00fd do, ho\u00e0n c\u1ea3nh, m\u00e0 kh\u00e1ch h\u00e0ng vay \u0111\u00e3 kh\u00f4ng th\u1ec3 tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 cho Ng\u00e2n h\u00e0ng d\u1eabn \u0111\u1ebfn c\u00e1c tranh ch\u1ea5p ph\u00e1t sinh m\u00e0 kh\u00f4ng b\u00ean n\u00e0o mong mu\u1ed1n, nh\u01b0ng khi kh\u00e1ch h\u00e0ng \u0111\u00e3 kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec Ng\u00e2n h\u00e0ng bi\u1ebft tr\u00f4ng v\u00e0o g\u00ec \u0111\u1ec3 thu h\u1ed3i n\u1ee3 t\u1eeb kho\u1ea3n vay c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ebfn \u0111\u00e2y th\u00ec m\u1ecdi vi\u1ec7c thu n\u1ee3 \u0111\u1ec1u tr\u00f4ng ch\u1edd v\u00e0o t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kh\u00e1ch h\u00e0ng, c\u0169ng c\u00f3 th\u1ec3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 c\u1ee7a b\u00ean th\u1ee9 ba ho\u1eb7c c\u1ee7a ch\u00ednh kh\u00e1ch h\u00e0ng v\u00e0 ch\u00fang ta c\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c coi l\u00e0 c\u1ee9u tinh duy nh\u1ea5t cho kho\u1ea3n vay c\u00f3 nguy c\u01a1 m\u1ea5t v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i Ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf kh\u00f4ng ph\u1ea3i t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i Ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c theo \u0111\u00fang quy \u0111\u1ecbnh, c\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p, c\u00f3 nh\u1eefng v\u1ee5 vi\u1ec7c Ng\u00e2n h\u00e0ng nh\u1eadn th\u1ebf ch\u1ea5p, \u0111\u00e3 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean tr\u00ean Gi\u1ea5y nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ed3ng \u00fd giao t\u00e0i s\u1ea3n cho Ng\u00e2n h\u00e0ng \u0111\u1ec3 Ng\u00e2n h\u00e0ng x\u1eed l\u00fd ph\u00e1t m\u1ea1i nh\u01b0ng Ng\u00e2n h\u00e0ng v\u1eabn kh\u00f4ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c v\u00ec t\u00e0i s\u1ea3n l\u1ea1i li\u00ean quan \u0111\u1ebfn m\u1ed9t v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 ho\u1eb7c li\u00ean quan \u0111\u1ebfn m\u1ed9t \u00e1n d\u00e2n s\u1ef1 c\u1ee7a b\u00ean th\u1ee9 ba n\u00e0o \u0111\u00f3 v\u00e0 v\u00ec th\u1ebf \u0111ang t\u1eeb kho\u1ea3n vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m tr\u1edf th\u00e0nh kho\u1ea3n vay kh\u00f4ng \u201c\u0111\u1ea3m b\u1ea3o\u201d. Trong ph\u1ea1m vi b\u00e0i vi\u1ebft, ch\u00fang t\u00f4i xin gi\u1edbi thi\u1ec7u nh\u1eefng b\u00e0i h\u1ecdc th\u1ef1c t\u1ebf li\u00ean quan \u0111\u1ebfn tranh ch\u1ea5p c\u1ee7a b\u00ean th\u1ee9 ba m\u00e0 Ng\u00e2n h\u00e0ng l\u00e0 n\u01a1i b\u1ecb thi\u1ec7t h\u1ea1i m\u1eb7c d\u00f9 v\u1eabn nh\u1eadn th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a kh\u00e1ch h\u00e0ng vay v\u00e0 th\u1ef1c hi\u1ec7n \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u00fang theo quy \u0111\u1ecbnh.\u00a0<\/div>\n
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T\u00ecnh hu\u1ed1ng th\u1ef1c t\u1ebf 1<\/strong><\/div>\n
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B\u00e0 Tr\u1ea7n Th\u1ecb D l\u00e0 ch\u1ee7 s\u1edf h\u1eefu c\u0103n nh\u00e0 v\u00e0 ch\u1ee7 s\u1eed d\u1ee5ng th\u1eeda \u0111\u1ea5t s\u1ed1: 82+86 (1 ph\u1ea7n), t\u1edd b\u1ea3n \u0111\u1ed3 s\u1ed1 28 t\u1ea1i \u0111\u1ecba ch\u1ec9 qu\u1eadn C\u1ea7u Gi\u1ea5y, th\u00e0nh ph\u1ed1 H\u00e0 N\u1ed9i theo Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf v\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t do UBND th\u00e0nh ph\u1ed1 H\u00e0 N\u1ed9i c\u1ea5p. V\u00e0o kho\u1ea3ng n\u0103m 2008 do c\u00f3 vi\u1ec7c c\u1ea7n trong c\u00f4ng vi\u1ec7c, b\u00e0 Tr\u1ea7n Th\u1ecb D c\u00f3 vay c\u1ee7a b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T s\u1ed1 ti\u1ec1n 1.700.000.000 \u0111\u1ed3ng (M\u1ed9t t\u1ef7 b\u1ea3y tr\u0103m tri\u1ec7u \u0111\u1ed3ng ch\u1eb5n). \u0110i\u1ec1u ki\u1ec7n m\u00e0 b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T y\u00eau c\u1ea7u \u0111\u1ec3 b\u00e0 Tr\u1ea7n Th\u1ecb D \u0111\u01b0\u1ee3c vay ti\u1ec1n l\u00e0 ph\u1ea3i th\u1ebf ch\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 k\u00fd H\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n c\u00f4ng ch\u1ee9ng \u0111\u1ec3 b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T l\u00e0m tin. Do kh\u00f4ng hi\u1ec3u bi\u1ebft ph\u00e1p lu\u1eadt v\u00e0 tin t\u01b0\u1edfng ng\u01b0\u1eddi cho vay n\u00ean b\u00e0 Tr\u1ea7n Th\u1ecb D \u0111\u00e3 ch\u1ea5p nh\u1eadn \u0111i\u1ec1u ki\u1ec7n m\u00e0 b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T \u0111\u01b0a ra (th\u1ebf ch\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 k\u00fd H\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n c\u00f4ng ch\u1ee9ng). H\u00e0ng th\u00e1ng b\u00e0 Tr\u1ea7n Th\u1ecb D v\u1eabn thanh to\u00e1n ti\u1ec1n l\u00e3i theo th\u1ecfa thu\u1eadn cho b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T. Tuy nhi\u00ean, khi c\u00f3 nhu c\u1ea7u l\u1ea5y l\u1ea1i Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, ho\u00e0n tr\u1ea3 l\u1ea1i ti\u1ec1n vay m\u1eb7c d\u00f9 nhi\u1ec1u l\u1ea7n li\u00ean l\u1ea1c v\u1edbi b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T nh\u01b0ng \u0111\u1ec1u kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 h\u1ee3p t\u00e1c t\u1eeb b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T.\u00a0<\/div>\n
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Sau \u0111\u00f3, b\u00e0 Tr\u1ea7n Th\u1ecb D nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o c\u1ee7a Ng\u00e2n h\u00e0ng Z v\u1ec1 vi\u1ec7c y\u00eau c\u1ea7u d\u1eddi chuy\u1ec3n, b\u00ean c\u01b0 tr\u00fa d\u1eddi chuy\u1ec3n to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n ra kh\u1ecfi t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 Ng\u00e2n h\u00e0ng Z ti\u1ebfp nh\u1eadn, ni\u00eam phong to\u00e0n b\u1ed9 gi\u00e1 tr\u1ecb Quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t ph\u00e1t m\u1ea1i thu h\u1ed3i n\u1ee3.\u00a0<\/div>\n
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Sau khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o t\u1eeb Ng\u00e2n h\u00e0ng Z, b\u00e0 Tr\u1ea7n Th\u1ecb D r\u1ea5t ng\u1ea1c nhi\u00ean v\u00ec kh\u00f4ng hi\u1ec3u t\u1ea1i sao Quy\u1ec1n s\u1eed d\u1ee5ng ng\u00f4i nh\u00e0 v\u00e0 s\u1edf h\u1eefu \u0111\u1ea5t \u1edf c\u1ee7a m\u00ecnh \u0111\u00e3 b\u1ecb chuy\u1ec3n t\u00ean sang cho b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T v\u00ec th\u1ef1c t\u1ebf b\u00e0 Tr\u1ea7n Th\u1ecb D v\u00e0 b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T ch\u01b0a k\u00fd b\u1ea5t k\u1ef3 H\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t n\u00e0o \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n tr\u00ean. B\u00ean c\u1ea1nh \u0111\u00f3 th\u1eeda \u0111\u1ea5t n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c gia \u0111\u00ecnh b\u00e0 Tr\u1ea7n Th\u1ecb D s\u1eed d\u1ee5ng \u1ed5n \u0111\u1ecbnh nhi\u1ec1u n\u0103m nay v\u00e0 h\u00e0ng n\u0103m b\u00e0 Tr\u1ea7n Th\u1ecb D v\u1eabn ho\u00e0n th\u00e0nh ngh\u0129a v\u1ee5 thu\u1ebf \u0111\u1ea5t ch\u01b0a n\u0103m n\u00e0o thi\u1ebfu. V\u1eady m\u00e0 hi\u1ec7n t\u1ea1i th\u1eeda \u0111\u1ea5t l\u1ea1i \u0111ang b\u1ecb Ng\u00e2n h\u00e0ng Z x\u1eed l\u00fd do b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T \u0111\u1ee9ng t\u00ean \u0111\u1ec3 th\u1ebf ch\u1ea5p cho m\u1ed9t kho\u1ea3n vay n\u00e0o \u0111\u00f3 m\u00e0 b\u00e0 Tr\u1ea7n Th\u1ecb D kh\u00f4ng bi\u1ebft.<\/div>\n
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Sau khi t\u00ecm hi\u1ec3u t\u1ea1i V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai th\u00ec b\u00e0 Tr\u1ea7n Th\u1ecb D bi\u1ebft \u0111\u01b0\u1ee3c nh\u01b0 sau: L\u1ee3i d\u1ee5ng nhu c\u1ea7u vay ti\u1ec1n v\u00e0 s\u1ef1 thi\u1ebfu hi\u1ec3u bi\u1ebft v\u1ec1 ph\u00e1p lu\u1eadt c\u1ee7a b\u00e0 Tr\u1ea7n Th\u1ecb D, ngay sau khi b\u00e0 Tr\u1ea7n Th\u1ecb D k\u00fd H\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n v\u1edbi b\u00e0 Nguy\u1ec5n Th\u1ecb thu T., b\u00e0 T \u0111\u00e3 l\u00e0m th\u1ee7 t\u1ee5c sang t\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ee9ng t\u00ean m\u00ecnh sau \u0111\u00f3 chuy\u1ec3n nh\u01b0\u1ee3ng l\u1ea1i cho v\u1ee3 ch\u1ed3ng \u00f4ng b\u00e0 \u0110inh V\u0103n K v\u00e0 Nguy\u00ean \u0110o\u00e0n S, h\u1ee3p \u0111\u1ed3ng chuy\u1ec3n nh\u01b0\u1ee3ng \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng v\u00e0 ch\u1ee9ng th\u1ef1c t\u1ea1i Ph\u00f2ng c\u00f4ng ch\u1ee9ng. Sau khi chuy\u1ec3n nh\u01b0\u1ee3ng sang cho \u00d4ng \u0110inh V\u0103n K v\u00e0 b\u00e0 Nguy\u1ec5n \u0110o\u00e0n S \u0111\u00e3 th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i Ng\u00e2n h\u00e0ng Z \u0111\u1ec3 vay v\u1ed1n l\u00e0m \u0103n. Tuy nhi\u00ean, sau m\u1ed9t th\u1eddi gian l\u00e0m \u0103n thua l\u1ed7 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, Ng\u00e2n h\u00e0ng Z \u0111\u00e3 ti\u1ebfn h\u00e0nh c\u00e1c th\u1ee7 t\u1ee5c ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n l\u00e0 Quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t n\u00f3i tr\u00ean.\u00a0<\/div>\n
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Sau m\u1ed9t th\u1eddi gian th\u00f4ng b\u00e1o x\u1eed l\u00fd t\u00e0i s\u1ea3n nh\u01b0ng do b\u00e0 Tr\u1ea7n Th\u1ecb D ph\u1ea3n \u0111\u1ed1i v\u00ec cho r\u1eb1ng b\u00e0 b\u1ecb l\u1eeba \u0111\u1ea3o, Ng\u00e2n h\u00e0ng \u0111\u00e3 ti\u1ebfn h\u00e0nh kh\u1edfi ki\u1ec7n \u00f4ng b\u00e0 \u0110inh V\u0103n K, Nguy\u1ec5n \u0110o\u00e0n S ra T\u00f2a \u00e1n nh\u00e2n d\u00e2n c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Hi\u1ec7n t\u1ea1i T\u00f2a \u00e1n nh\u00e2n d\u00e2n c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u00e3 ra quy\u1ebft \u0111\u1ecbnh \u0111\u00ecnh ch\u1ec9 gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n v\u00ec c\u01a1 quan \u0111i\u1ec1u tra \u0111ang th\u1ee5 l\u00fd v\u00e0 gi\u1ea3i quy\u1ebft \u0111\u01a1n t\u1ed1 c\u00e1o \u0111\u1ed1i v\u1edbi b\u00e0 Nguy\u1ec5n Th\u1ecb Thu T v\u1ec1 h\u00e0nh vi l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n<\/a> ch\u00ednh l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf do Ng\u00e2n h\u00e0ng Z \u0111ang ti\u1ebfn h\u00e0nh kh\u1edfi ki\u1ec7n ra T\u00f2a \u00e1n \u0111\u1ec3 x\u1eed l\u00fd thu h\u1ed3i n\u1ee3.\u00a0<\/div>\n
\u00a0<\/strong><\/div>\n
T\u00ecnh hu\u1ed1ng th\u1ef1c t\u1ebf 2<\/strong><\/div>\n
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\u00d4ng A th\u00f4ng qua m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng m\u00f4i gi\u1edbi \u0111\u00e3 vay 1,4 t\u1ef7 \u0111\u1ed3ng c\u1ee7a b\u00e0 B, m\u1ed9t n\u0103m sau s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 l\u00ean \u0111\u1ebfn h\u01a1n 1,86 t\u1ef7 \u0111\u1ed3ng. \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o cho s\u1ed1 n\u1ee3 tr\u00ean, b\u00e0 B y\u00eau c\u1ea7u \u00f4ng A k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n c\u0103n nh\u00e0 do \u00f4ng \u0111ang s\u1edf h\u1eefu (c\u00f3 c\u00f4ng ch\u1ee9ng \u0111\u1ea7y \u0111\u1ee7), \u0111\u1ed3ng th\u1eddi k\u00fd ri\u00eang m\u1ed9t h\u1ee3p \u0111\u1ed3ng \u201ctay\u201d n\u00eau r\u00f5 vi\u1ec7c k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n ch\u1ec9 nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111\u1ea3m b\u1ea3o cho kho\u1ea3n vay. B\u00e0 B kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng gi\u1ea5y t\u1edd nh\u00e0 \u0111\u1ec3 mua b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng d\u01b0\u1edbi b\u1ea5t k\u00ec h\u00ecnh th\u1ee9c n\u00e0o trong th\u1eddi gian c\u00f2n h\u1ea1n tr\u1ea3 n\u1ee3, khi \u00f4ng A tr\u1ea3 h\u1ebft h\u1ebft n\u1ee3, b\u00e0 B s\u1ebd tr\u1ea3 l\u1ea1i gi\u1ea5y t\u1edd nh\u00e0 b\u1eb1ng h\u00ecnh th\u1ee9c b\u00e1n l\u1ea1i ho\u1eb7c cho t\u1eb7ng nh\u00e0.<\/div>\n
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\u0110\u1ebfn h\u1ea1n tr\u1ea3 \u00f4ng A c\u00f3 li\u00ean h\u1ec7 v\u1edbi b\u00e0 B nh\u01b0ng b\u00e0 B lu\u00f4n t\u00ecm c\u00e1ch tr\u00ec ho\u00e3n, th\u1eadm ch\u00ed r\u1eddi kh\u1ecfi n\u01a1i c\u01b0 tr\u00fa \u0111\u1ec3\u2026 kh\u00f4ng nh\u1eadn ti\u1ec1n tr\u1ea3 n\u1ee3 t\u1eeb \u00f4ng A. \u201cTrong kho\u1ea3ng th\u1eddi gian n\u00e0y \u00f4ng A v\u1eabn s\u1ed1ng b\u00ecnh th\u01b0\u1eddng t\u1ea1i c\u0103n nh\u00e0 c\u1ee7a m\u00ecnh\u201d.\u00a0<\/div>\n
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03 th\u00e1ng sau, \u00f4ng A b\u1ea5t ng\u1edd \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o ph\u1ea3i di d\u1eddi nh\u00e0 m\u00ecnh \u0111ang \u1edf \u0111\u1ec3 Ng\u00e2n h\u00e0ng l\u00e0m th\u1ee7 t\u1ee5c ph\u00e1t m\u1ea1i v\u00ec li\u00ean quan \u0111\u1ebfn kho\u1ea3n vay c\u1ee7a C\u00f4ng ty Y v\u00e0 C\u00f4ng ty Y \u0111\u01b0\u1ee3c B\u00e0 B b\u1ea3o l\u00e3nh b\u1eb1ng ch\u00ednh quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t m\u00e0 tr\u01b0\u1edbc kia \u0111\u1ee9ng t\u00ean \u00f4ng A.\u00a0<\/div>\n
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T\u1ed5ng gi\u00e1 tr\u1ecb nh\u00e0 v\u00e0 \u0111\u1ea5t l\u00fac n\u00e0y \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng B \u0111\u1ecbnh gi\u00e1 kho\u1ea3ng 12 t\u1ef7 \u0111\u1ed3ng, sau \u0111\u00f3 Ng\u00e2n h\u00e0ng cho C\u00f4ng ty c\u1ed5 ph\u1ea7n Y vay 8 t\u1ef7 \u0111\u1ed3ng.\u0110\u1ebfn h\u1ea1n nh\u01b0ng C\u00f4ng ty Y kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3. Do \u0111\u00f3, Ng\u00e2n h\u00e0ng \u0111\u00e3 kh\u1edfi ki\u1ec7n ra TAND y\u00eau c\u1ea7u ph\u00e1t m\u00e3i nh\u00e0 c\u1ee7a \u00f4ng A \u0111\u1ec3 thu h\u1ed3i n\u1ee3 v\u1edbi s\u1ed1 ti\u1ec1n c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i l\u00ean \u0111\u1ebfn h\u01a1n 9 t\u1ef7 \u0111\u1ed3ng.<\/div>\n
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T\u1ea1i phi\u00ean t\u00f2a x\u00e9t x\u1eed s\u01a1 th\u1ea9m TAND nh\u1eadn \u0111\u1ecbnh, c\u00e1c b\u00ean \u0111\u1ec1u bi\u1ebft h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 l\u00e0 gi\u1ea3 t\u1ea1o nh\u1eb1m che \u0111\u1eady h\u1ee3p \u0111\u1ed3ng vay m\u01b0\u1ee3n ti\u1ec1n. Ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 th\u1ea9m \u0111\u1ecbnh khi c\u1ea5p ph\u00e1t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng nh\u01b0ng kh\u00f4ng th\u1ea9m \u0111\u1ecbnh \u0111\u00fang theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 94 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00ean ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 l\u1ed7i trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y. Cu\u1ed1i c\u00f9ng, t\u00f2a tuy\u00ean v\u00f4 hi\u1ec7u h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t gi\u1eefa Ng\u00e2n h\u00e0ng v\u1edbi C\u00f4ng ty CP Y v\u00e0 \u00f4ng A.<\/div>\n
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T\u1ea1i phi\u00ean t\u00f2a ph\u00fac th\u1ea9m TAND cho r\u1eb1ng, giao d\u1ecbch n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 giao d\u1ecbch gi\u1ea3 t\u1ea1o. \u0110\u1ed3ng th\u1eddi cho r\u1eb1ng, trong h\u1ee3p \u0111\u1ed3ng th\u1ecfa thu\u1eadn v\u1edbi \u00f4ng A ch\u1ec9 b\u1ecb h\u1ea1n ch\u1ebf quy\u1ec1n kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng, mua b\u00e1n nh\u01b0ng kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf quy\u1ec1n \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n. To\u00e0 c\u1ea5p ph\u00fac th\u1ea9m \u0111\u00e3 tuy\u00ean Ng\u00e2n h\u00e0ng B th\u1eafng ki\u1ec7n, cho ph\u00e9p Ng\u00e2n h\u00e0ng B \u0111\u01b0\u1ee3c ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n \u0111\u1ec3 thu h\u1ed3i n\u1ee3.<\/div>\n
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Kh\u00f4ng \u0111\u1ed3ng \u00fd v\u1edbi b\u1ea3n \u00e1n ph\u00fac th\u1ea9m, \u00f4ng A l\u00e0m \u0111\u01a1n kh\u00e1ng ngh\u1ecb gi\u00e1m \u0111\u1ed1c th\u1ea9m v\u00e0 VKSND C\u1ea5p cao \u0111\u00e3 c\u00f3 quy\u1ebft \u0111\u1ecbnh kh\u00e1ng ngh\u1ecb theo h\u01b0\u1edbng h\u1ee7y to\u00e0n b\u1ed9 hai b\u1ea3n \u00e1n s\u01a1, ph\u00fac th\u1ea9m \u0111\u1ec3 xem x\u00e9t l\u1ea1i.<\/div>\n
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Quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan<\/strong><\/div>\n
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V\u1ec1 nguy\u00ean t\u1eafc c\u1ee7a Lu\u1eadt t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 tr\u01b0\u1edbc kia n\u0103m 2005 v\u00e0 b\u00e2y gi\u1edd l\u00e0 2015 \u0111\u1ec1u quy \u0111\u1ecbnh kh\u00e1ch h\u00e0ng vay ph\u1ea3i th\u1ef1c hi\u1ec7n \u0111\u00fang ngh\u0129a v\u1ee5 \u0111\u00e3 cam k\u1ebft trong H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng (hay c\u00f2n g\u1ecdi l\u00e0 H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n), tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang, th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, Ng\u00e2n h\u00e0ng c\u00f3 to\u00e0n quy\u1ec1n ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 thu h\u1ed3i n\u1ee3. T\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/ND-CP v\u00e0 c\u00e1c v\u0103n b\u1ea3n s\u1eeda \u0111\u1ed5i, b\u1ed5 sung c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u00f3 quy \u0111\u1ecbnh b\u00ean nh\u1eadn ba\u0309o \u0111a\u0309m c\u00f3 quy\u1ec1n thu gi\u1eef TSB\u0110 khi b\u00ean gi\u1eef t\u00e0i s\u1ea3n kh\u00f4ng ch\u1ecbu giao TSB\u0110 m\u1eb7c d\u00f9 \u0111\u00e3 qu\u00e1 th\u1eddi h\u1ea1n trong th\u00f4ng b\u00e1o v\u1ec1 x\u1eed l\u00fd TSB\u0110. Tuy nhi\u00ean, n\u1ebfu kh\u00f4ng c\u00f3 s\u1ef1 h\u1ee3p t\u00e1c c\u1ee7a b\u00ean ba\u0309o \u0111a\u0309m trong vi\u1ec7c ba\u0300n giao t\u00e0i s\u1ea3n th\u00ec b\u00ean nh\u1eadn ba\u0309o \u0111a\u0309m c\u0169ng kh\u00f4ng th\u1ec3 ti\u1ebfn h\u00e0nh thu gi\u1eef TSB\u0110. B\u1edfi b\u00ean nh\u1eadn ba\u0309o \u0111a\u0309m kh\u00f4ng c\u00f3 quy\u1ec1n c\u01b0\u1ee1ng ch\u1ebf, t\u1ecbch thu hay k\u00ea bi\u00ean t\u00e0i s\u1ea3n. M\u0103\u0323c d\u00f9 c\u00f3 quy \u0111\u1ecbnh r\u1eb1ng b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u \u1ee6y ban nh\u00e2n d\u00e2n x\u00e3, ph\u01b0\u1eddng, th\u1ecb tr\u1ea5n v\u00e0 c\u01a1 quan C\u00f4ng an n\u01a1i ti\u1ebfn h\u00e0nh thu gi\u1eef TSB\u0110 \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt \u0111\u1ec3 gi\u1eef g\u00ecn an ninh, tr\u1eadt t\u1ef1, b\u1ea3o \u0111\u1ea3m cho ng\u01b0\u1eddi x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ef1c hi\u1ec7n quy\u1ec1n thu gi\u1eef TSB\u0110, nh\u01b0ng th\u1ef1c ti\u1ec5n cho th\u1ea5y kh\u00f4ng th\u1ef1c s\u1ef1 hi\u1ec7u qu\u1ea3 vi\u0300 th\u1eadt ra h\u1ecd c\u0169ng ch\u1ec9 th\u1ef1c hi\u1ec7n c\u00e1c c\u00f4ng vi\u1ec7c c\u00f3 t\u00edch ch\u1ea5t \u201ch\u1ed7 tr\u1ee3\u201d ch\u1ee9 kh\u00f4ng c\u00f3 t\u00ednh quy\u1ebft \u0111\u1ecbnh \u0111\u1ec3 bu\u1ed9c b\u00ean ba\u0309o \u0111a\u0309m ph\u1ea3i ba\u0300n giao t\u00e0i s\u1ea3n cho ng\u00e2n h\u00e0ng; T\u1ea1i B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1 quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi c\u00e1c tranh ch\u1ea5p d\u00e2n s\u1ef1 c\u00f3 li\u00ean quan \u0111\u1ebfn h\u00ecnh s\u1ef1 th\u00ec ph\u1ea3i gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 tr\u01b0\u1edbc xong m\u1edbi gi\u1ea3i quy\u1ebft \u0111\u1ebfn v\u1ee5 \u00e1n d\u00e2n s\u1ef1.\u00a0<\/div>\n
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Ch\u00fang ta quay tr\u1edf l\u1ea1i v\u1edbi hai t\u00ecnh hu\u1ed1ng th\u1ef1c t\u1ebf tr\u00ean, n\u1ebfu c\u0103n c\u1ee9 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, vi\u1ec7c Ng\u00e2n h\u00e0ng \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u00fang theo quy \u0111\u1ecbnh nh\u01b0ng v\u1eabn kh\u00f4ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p khi kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang cam k\u1ebft v\u00f4 h\u00ecnh chung Ng\u00e2n h\u00e0ng l\u1ea1i l\u00e0 b\u00ean b\u1ecb thi\u1ec7t h\u1ea1i m\u1eb7c d\u00f9 khi th\u1ea9m \u0111\u1ecbnh, cho vay v\u00e0 gi\u1ea3i ng\u00e2n \u0111\u1ec1u \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh, \u0111\u00fang quy tr\u00ecnh. V\u1eady c\u00e2u h\u1ecfi \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0 n\u1ebfu th\u1ebf Ng\u00e2n h\u00e0ng c\u1ea7n gi\u1ea3i quy\u1ebft nh\u01b0 th\u1ebf n\u00e0o, c\u00f3 thu \u0111\u01b0\u1ee3c n\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y kh\u00f4ng, c\u00f3 ph\u00e1t m\u1ea1i \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n kh\u00f4ng, n\u1ebfu c\u1ee9 di\u1ec5n ra t\u00ecnh tr\u1ea1ng n\u00e0y th\u00ec l\u00e0m sao \u0111\u1ec3 Ng\u00e2n h\u00e0ng cho vay khi m\u1ecdi th\u1ee7 t\u1ee5c, quy tr\u00ecnh \u0111\u1ec1u \u0111\u00e3 th\u1ef1c hi\u1ec7n \u0111\u00fang v\u00e0 ng\u01b0\u1eddi k\u00fd th\u1ebf ch\u1ea5p c\u0169ng \u0111\u1ee9ng t\u00ean tr\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.\u00a0<\/div>\n
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\u0110\u1ec3 c\u00e1c Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u1ee9ng ph\u00f3 v\u00e0 l\u1eadp lu\u1eadn \u0111\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p t\u01b0\u01a1ng t\u1ef1, ch\u00fang t\u00f4i xin \u0111\u01b0a ra m\u1ed9t s\u1ed1 c\u00e1c gi\u1ea3i ph\u00e1p cho c\u00e1c t\u00ecnh hu\u1ed1ng t\u01b0\u01a1ng t\u1ef1.<\/div>\n
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M\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p<\/strong><\/div>\n
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\nTh\u1ee9 nh\u1ea5t<\/strong>: C\u00e1c Ng\u00e2n h\u00e0ng ch\u00fa \u00fd khi th\u1ea9m \u0111\u1ecbnh cho vay nh\u1ea5t thi\u1ebft ph\u1ea3i ch\u1ee5p \u1ea3nh v\u00e0 quay phim \u0111\u1ec3 ghi l\u1ea1i qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t n\u00ean th\u00f4ng qua Trung t\u00e2m th\u1ea9m \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp. Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u00f4ng qua th\u1ea9m \u0111\u1ecbnh gi\u00e1 th\u00ec n\u00ean c\u0103n c\u1ee9 v\u00e0o gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng t\u1ea1i th\u1eddi \u0111i\u1ec3m th\u1ea9m \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ecbnh gi\u00e1.\u00a0<\/div>\n
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\nTh\u1ee9 hai:<\/strong>\u00a0Tr\u01b0\u1eddng h\u1ee3p n\u1ebfu Ng\u00e2n h\u00e0ng kh\u1edfi ki\u1ec7n v\u00e0 khi tranh ch\u1ea5p t\u1ea1i T\u00f2a \u00e1n th\u00ec l\u01b0u \u00fd c\u1ea7n tranh lu\u1eadn b\u1ea3o v\u1ec7 quan \u0111i\u1ec3m n\u1ebfu c\u00f3 th\u1ecfa thu\u1eadn gi\u1eefa nh\u1eefng ng\u01b0\u1eddi c\u00f3 li\u00ean quan v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111ang \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i Ng\u00e2n h\u00e0ng th\u00ec theo h\u01b0\u1edbng th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean l\u00e0 th\u1ecfa thu\u1eadn kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf quy\u1ec1n \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p t\u1ea1i Ng\u00e2n h\u00e0ng.\u00a0<\/div>\n
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\nTh\u1ee9 ba:<\/strong> Ng\u00e2n h\u00e0ng c\u1ea7n ch\u1ee9ng minh vi\u1ec7c c\u00e1c b\u00ean vay ti\u1ec1n l\u1eabn nhau, Ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 bi\u1ebft v\u00e0 kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m ph\u1ea3i bi\u1ebft, vi\u1ec7c c\u1ee7a Ng\u00e2n h\u00e0ng l\u00e0 th\u1ea9m \u0111\u1ecbnh cho vay v\u00e0 gi\u1ea3i ng\u00e2n khi kh\u00e1ch h\u00e0ng \u0111\u00e3 h\u1ed9i \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, c\u1ee7a Ng\u00e2n h\u00e0ng.<\/div>\n
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\nTh\u1ee9 t\u01b0:<\/strong>\u00a0Tr\u01b0\u1eddng h\u1ee3p c\u1ea7n thi\u1ebft, Ng\u00e2n h\u00e0ng khi kh\u1edfi ki\u1ec7n v\u00e0 tham gia phi\u00ean t\u00f2a c\u00f3 th\u1ec3 y\u00eau c\u1ea7u T\u00f2a \u00e1n tri\u1ec7u t\u1eadp C\u01a1 quan c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u1ea1i di\u1ec7n c\u1ee7a \u0111\u01a1n v\u1ecb c\u1ea5p \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 \u0111\u1ed1i ch\u1ea5t v\u00e0 ch\u1ee9ng minh cho vi\u1ec7c Ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh, \u0111\u00fang quy tr\u00ecnh khi nh\u1eadn th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.\u00a0<\/div>\n
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\nTh\u1ee9 n\u0103m:\u00a0<\/strong>C\u00e1c Ng\u00e2n h\u00e0ng n\u00ean c\u00e2n nh\u1eafc \u00fd h\u00e3y thu\u00ea d\u1ecbch v\u1ee5 ph\u00e1p l\u00fd v\u00e0 lu\u1eadt s\u01b0 \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh n\u1ebfu ph\u1ea3i kh\u1edfi ki\u1ec7n ra T\u00f2a \u00e1n.\u00a0<\/div>\n
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theo Trang H\u00e0 \u2013 Agribank \u0110\u1ed1ng \u0110a<\/em><\/div>\n
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\u00bb\u00a0H\u1ee3p \u0111\u1ed3ng gi\u1ea3 c\u00e1ch b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u \u2013 n\u1ee3 ti\u1ec1n l\u1ea5y nh\u00e0 \u0111\u1ea5t<\/a>\n<\/div>\n
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\u00bb Lu\u1eadt s\u01b0 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1ea3o l\u00e3nh vay v\u1ed1n Ng\u00e2n h\u00e0ng<\/a>\n<\/div>\n
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Lu\u1eadt s\u01b0 t\u01b0 v\u1ea5n v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m:<\/div>\n","protected":false},"excerpt":{"rendered":"

Ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng mang t\u00ednh r\u1ee7i ro, ngo\u00e0i ng\u00e0nh ngh\u1ec1 kinh doanh quy \u0111\u1ecbnh trong \u0110i\u1ec1u l\u1ec7 \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt cho ph\u00e9p th\u00ec ho\u1ea1t \u0111\u1ed9ng ch\u1ee7 y\u1ebfu c\u1ee7a Ng\u00e2n h\u00e0ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u00e0 cho vay; ho\u1ea1t \u0111\u1ed9ng cho vay lu\u00f4n ti\u1ec1n \u1ea9n r\u1ee7i ro, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[261],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/12714"}],"collection":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/comments?post=12714"}],"version-history":[{"count":1,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/12714\/revisions"}],"predecessor-version":[{"id":40617,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/12714\/revisions\/40617"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=12714"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=12714"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=12714"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}