{"id":39936,"date":"2015-02-28T13:57:00","date_gmt":"2015-02-28T06:57:00","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=39936"},"modified":"2023-10-04T06:57:42","modified_gmt":"2023-10-03T23:57:42","slug":"ban-luan-cu-bao-ve-bi-don-trong-vu-an-doi-no","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/ban-luan-cu-bao-ve-bi-don-trong-vu-an-doi-no\/","title":{"rendered":"B\u1ea3n lu\u1eadn c\u1ee9 b\u1ea3o v\u1ec7 b\u1ecb \u0111\u01a1n trong v\u1ee5 \u00e1n \u0111\u00f2i n\u1ee3"},"content":{"rendered":"\n

B\u1ea3n lu\u1eadn c\u1ee9 b\u1ea3o v\u1ec7 b\u1ecb \u0111\u01a1n trong v\u1ee5 \u00e1n \u0111\u00f2i n\u1ee3. Lu\u1eadn c\u1ee9 l\u00e0 b\u1ea3n l\u1eadp lu\u1eadn c\u1ee7a lu\u1eadt s\u01b0 b\u1ea3o v\u1ec7 \u0111\u01b0\u01a1ng s\u1ef1 c\u1ee7a m\u00ecnh tr\u01b0\u1edbc t\u00f2a \u00e1n. V\u1ee5 \u00e1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh quan h\u1ec7 l\u00e0 Tranh ch\u1ea5p \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n l\u00e0 kho\u1ea3n cho vay n\u1ee3 gi\u1eefa b\u00ean cho vay v\u00e0 ng\u01b0\u1eddi vay, tranh ch\u1ea5p d\u1ea1ng n\u00e0y \u0111\u00f4i khi r\u1ea5t ph\u1ee9c t\u1ea1p. Lu\u1eadt s\u01b0 c\u1ee7a b\u1ecb \u0111\u01a1n tr\u00ecnh b\u00e0y quan \u0111i\u1ec3m th\u00ec c\u1ea7n t\u00ecm nh\u1eefng c\u0103n c\u1ee9 \u0111\u1ec3 b\u00e1c b\u1ecf c\u00e1c \u0111\u1ec1 ngh\u1ecb c\u1ee7a nguy\u00ean \u0111\u01a1n nh\u1eb1m b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p cho b\u1ecb \u0111\u01a1n t\u1ed1t nh\u1ea5t.\u00a0<\/p>\n

M\u1eabu b\u1ea3n lu\u1eadn c\u1ee9 b\u1ea3o v\u1ec7 b\u1ecb \u0111\u01a1n v\u1ee5 vi\u1ec7c \u0111\u00f2i n\u1ee3 d\u00e0nh cho lu\u1eadt s\u01b0<\/strong><\/h2>\n

1. Lu\u1eadn c\u1ee9 b\u1ea3o v\u1ec7 b\u1ecb \u0111\u01a1n b\u1ecb \u0111\u00f2i n\u1ee3<\/strong><\/h3>\n

C\u1ed8NG H\u00d2A X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM
<\/strong>\u0110\u1ed9c l\u1eadp \u2013 T\u1ef1 do \u2013 H\u1ea1nh ph\u00fac<\/span><\/p>\n

\u2026\u2026\u2026., ng\u00e0y \u2026 th\u00e1ng \u2026 n\u0103m 20\u2026\u2026<\/em><\/p>\n

B\u1ea2N LU\u1eacN C\u1ee8<\/strong><\/p>\n

K\u00ednh th\u01b0a H\u0110XX<\/p>\n

T\u00f4i l\u00e0 Lu\u1eadt s\u01b0, c\u00f4ng ty lu\u1eadt VAC thu\u1ed9c \u0110o\u00e0n Lu\u1eadt s\u01b0 TP. theo y\u00eau c\u1ea7u c\u1ee7a b\u1ecb \u0111\u01a1n d\u00e2n s\u1ef1 v\u00e0 \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed3ng \u00fd Ch\u1ea5p nh\u1eadn ng\u01b0\u1eddi b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a Qu\u00fd t\u00f2a, h\u00f4m nay, tr\u01b0\u1edbc phi\u00ean T\u00f2a s\u01a1 th\u1ea9m n\u00e0y, t\u00f4i xin \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n vi\u1ec7c b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a th\u00e2n ch\u1ee7 t\u00f4i v\u1edbi c\u00e1c quan \u0111i\u1ec3m v\u00e0 lu\u1eadn c\u1ee9 sau:<\/p>\n

Th\u1ee9 nh\u1ea5t:<\/strong> Vi\u1ec7c cho vay n\u1ee3 v\u00e0 tr\u1ea3 n\u1ee3 gi\u1eefa nguy\u00ean \u0111\u01a1n (\u00f4ng A) v\u00e0 b\u1ecb \u0111\u01a1n (b\u00e0 B) d\u1ef1a tr\u00ean c\u01a1 s\u1edf s\u1ef1 quen bi\u1ebft th\u00e2n t\u00ecnh \u0111\u1eb7c bi\u1ec7t nh\u01b0 ng\u01b0\u1eddi th\u00e2n trong nh\u00e0, n\u00ean gi\u1ea5y nh\u1eadn n\u1ee3 ch\u1ec9 vi\u1ebft tay (m\u00e0 do ch\u00ednh nguy\u00ean \u0111\u01a1n, t\u1ee9c ch\u1ee7 n\u1ee3 vi\u1ebft, b\u1ecb \u0111\u01a1n ch\u1ec9 c\u1ee9 vi\u1ec7c k\u00fd x\u00e1c nh\u1eadn) hay c\u00f3 tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 trao \u0111\u1ed5i mi\u1ec7ng (nh\u01b0 tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u0111\u01a1n L n\u00f3i c\u00f3 tr\u1ea3 n\u1ee3 g\u1ed1c cho nguy\u00ean \u0111\u01a1n 2 l\u1ea7n: m\u1ed9t l\u1ea7n 150.000.000 \u0111\u1ed3ng v\u00e0o ng\u00e0y 18\/6\/2004 v\u00e0 m\u1ed9t l\u1ea7n 50.000.000 \u0111\u1ed3ng v\u00e0o ng\u00e0y 20\/11\/2006, c\u1ed9ng d\u1ed3n l\u00e0 200 tri\u1ec7u \u0111\u1ed3ng, nh\u01b0ng nguy\u00ean \u0111\u01a1n kh\u00f4ng nh\u1edb).<\/p>\n

Th\u1ee9 hai:<\/strong> Vi\u1ec7c cho m\u01b0\u1ee3n n\u1ee3, thu n\u1ee3, l\u00e3i, \u0111\u1ed1i chi\u1ebfu n\u1ee3 ho\u00e0n to\u00e0n do nguy\u00ean \u0111\u01a1n \u0111\u1ea1o di\u1ec5n, t\u00ednh to\u00e1n, trong khi b\u1ecb \u0111\u01a1n c\u00f3 v\u1ebb th\u1ee5 \u0111\u1ed9ng, kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 \u0111\u1ec1 ngh\u1ecb n\u00e0o v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd (nh\u01b0 vi\u1ebft h\u1ee3p \u0111\u1ed3ng c\u00f3 c\u00f4ng ch\u1ee9ng ho\u1eb7c \u00edt ra h\u1ee3p \u0111\u1ed3ng tay vay n\u1ee3 c\u00f3 nh\u00e2n ch\u1ee9ng v.v\u2026) xu\u1ea5t ph\u00e1t t\u1eeb l\u00fd do l\u00e0 nguy\u00ean \u0111\u01a1n \u00edt h\u1ecdc v\u00e0 d\u1ed1t lu\u1eadt.<\/p>\n

Th\u1ee9 ba:<\/strong> V\u00ec kho\u1ea3n c\u00e1ch bi\u1ec7t trong vi\u1ec7c x\u00e1c nh\u1eadn n\u1ee3 gi\u1eefa 2 b\u00ean l\u00e0 r\u1ea5t l\u1edbn (B\u00ean nguy\u00ean \u0111\u01a1n cho r\u1eb1ng s\u1ed1 n\u1ee3 c\u00f2n l\u1ea1i l\u00ean \u0111\u1ebfn 1.176.134.000 \u0111\u1ed3ng ch\u01b0a t\u00ednh l\u00e3i, trong khi b\u00ean b\u1ecb \u0111\u01a1n x\u00e1c nh\u1eadn s\u1ed1 n\u1ee3 ch\u1ec9 c\u00f2n v\u1ecfn v\u1eb9n kho\u1ea3ng 400 tri\u1ec7u \u0111\u1ed3ng k\u1ec3 c\u1ea3 l\u00e3i t\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m ng\u00e0y 28\/6\/2004, t\u1ee9c l\u00e0 ng\u00e0y m\u00e0 b\u1ecb \u0111\u01a1n tr\u1ea3 n\u1ee3 cho nguy\u00ean \u0111\u01a1n b\u1eb1ng vi\u1ec7c b\u00e1n c\u0103n nh\u00e0 tr\u1ecb gi\u00e1 750 tri\u1ec7u \u0111\u1ed3ng, ngh\u0129a l\u00e0 ti\u1ec1n l\u00e3i ch\u1ec9 thi\u1ebfu t\u1eeb ng\u00e0y n\u00e0y v\u1ec1 sau (c\u00f2n t\u1ea5t c\u1ea3 ti\u1ec1n l\u00e3i tr\u01b0\u1edbc ng\u00e0y 28\/6\/2004 th\u00ec \u0111\u00e3 \u0111\u01b0\u1ee3c thanh to\u00e1n). Cho n\u00ean vi\u1ec7c h\u00f2a gi\u1ea3i gi\u1eefa hai b\u00ean l\u00e0 kh\u00f4ng kh\u1ea3 thi v\u00e0 th\u1ef1c t\u1ebf t\u1ea1i T\u00f2a \u00e1n qua m\u1ea5y l\u1ea7n c\u0169ng kh\u00f4ng h\u00f2a gi\u1ea3i \u0111\u01b0\u1ee3c.<\/p>\n

T\u1eeb t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf, qua 3 nh\u1eadn \u0111\u1ecbnh tr\u00ean, v\u1edbi t\u01b0 c\u00e1ch ng\u01b0\u1eddi b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p cho b\u1ecb \u0111\u01a1n L, t\u00f4i k\u00ednh \u0111\u1ec1 xu\u1ea5t H\u1ed9i \u0110\u1ed3ng x\u00e9t x\u1eed s\u01a1 th\u1ea9m m\u1ea5y \u0111i\u1ec3m sau:<\/p>\n

I. Ch\u1ea5p nh\u1eadn c\u01a1 s\u1edf th\u1ef1c t\u1ebf<\/strong> v\u00e0 t\u00ednh ph\u00e1p l\u00fd c\u1ee7a b\u1ea3n photo, t\u1ed5ng h\u1ee3p \u0111\u1ed1i chi\u1ebfu n\u1ee3 do b\u1ecb \u0111\u01a1n \u0111\u00e3 k\u00fd x\u00e1c nh\u1eadn v\u1edbi nguy\u00ean \u0111\u01a1n, v\u00ec t\u1ea5t c\u1ea3 m\u1eb7t ch\u1eef v\u00e0 s\u1ed1 li\u1ec7u n\u1ee3 v\u00e0 l\u00e3i \u0111\u1ec1u do nguy\u00ean \u0111\u01a1n ch\u1ea5p b\u00fat v\u00e0 \u0111\u00e2y l\u00e0 c\u01a1 s\u1edf kh\u00e1ch quan nh\u1ea5t so v\u1edbi c\u00e1c ch\u1ee9ng t\u1eeb \u0111\u01b0\u1ee3c xu\u1ea5t tr\u00ecnh (m\u1eb7c d\u00f9 nguy\u00ean \u0111\u01a1n cho r\u1eb1ng \u0111\u00f3 l\u00e0 b\u1ea3n nh\u00e1p v\u00e0 \u0111\u00e3 l\u00e0m m\u1ea5t ho\u1eb7c \u0111\u1ed1t r\u1ed3i, nh\u01b0ng b\u1ecb \u0111\u01a1n \u0111\u00e3 l\u1ee5c t\u00ecm \u0111\u01b0\u1ee3c b\u1ea3n photo). V\u00e0 t\u1eeb b\u1ea3n sao t\u1ed5ng h\u1ee3p \u0111\u1ed1i chi\u1ebfu n\u1ee3 gi\u1eefa 2 b\u00ean n\u00e0y \u0111\u00e3 l\u00e0m r\u00f5 th\u00eam 2 v\u1ea5n \u0111\u1ec1 l\u00e0:<\/p>\n

1) B\u1ecb \u0111\u01a1n \u0111\u00e3 4 l\u1ea7n tr\u1ea3 n\u1ee3 g\u1ed1c (l\u1ea7n I: 50 tri\u1ec7u, l\u1ea7n II: 20 tri\u1ec7u, l\u1ea7n III: 100 tri\u1ec7u (s\u1ed1 V trong b\u1ea3n \u0111\u1ed1i chi\u1ebfu n\u1ee3) v\u00e0 l\u1ea7n IV: c\u1ea5n tr\u1eeb c\u0103n nh\u00e0 b\u00e1n cho ph\u00eda ng\u01b0\u1eddi th\u00e2n c\u1ee7a nguy\u00ean \u0111\u01a1n l\u00e0 750 tri\u1ec7u) t\u1ed5ng c\u1ed9ng l\u00e0: 920 tri\u1ec7u (ch\u00edn tr\u0103m hai ch\u1ee5c tri\u1ec7u). V\u00ec v\u1eady, trong t\u00ednh to\u00e1n n\u1ee3 t\u1ed3n \u0111\u1ecdng c\u1ee7a b\u1ecb \u0111\u01a1n, \u0111\u1ec1 ngh\u1ecb Qu\u00ed T\u00f2a tr\u1eeb kho\u1ea3n n\u00e0y ra.<\/p>\n

2) C\u00f3 b\u1eb1ng ch\u1ee9ng l\u00e0 nguy\u00ean \u0111\u01a1n \u0111\u00e3 \u0111\u00f4n l\u00e3i v\u00e0o v\u1ed1n t\u1ea5t c\u1ea3 l\u00e0: 103.660.000 \u0111\u1ed3ng (m\u1ed9t tr\u0103m l\u1ebb ba tri\u1ec7u s\u00e1u tr\u0103m s\u00e1u ch\u1ee5c ng\u00e0n \u0111\u1ed3ng), l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi lu\u1eadt ph\u00e1p, v\u00ec nh\u01b0 v\u1eady l\u00e0 c\u00f3 t\u00ecnh tr\u1ea1ng t\u00ednh l\u00e3i ch\u1ed3ng l\u00ean l\u00e3i. Ph\u1ea7n n\u00e0y c\u0169ng \u0111\u1ec1 ngh\u1ecb Qu\u00fd t\u00f2a tr\u1eeb b\u1edbt v\u00e0o n\u1ee3 t\u1ed3n t\u1ea1i (\u0111\u00f3 l\u00e0 ch\u01b0a k\u1ec3 s\u1ed1 l\u00e3i th\u1eb7ng d\u01b0 kh\u00f4ng h\u1ee3p l\u00fd ph\u00e1t sinh t\u1eeb c\u00e1c kho\u1ea3n l\u00e3i c\u1ed9ng d\u1ed3n n\u00e0y m\u00e0 b\u00ean b\u1ecb \u0111\u01a1n \u0111\u00e3 ph\u1ea3i ch\u1ecbu thanh to\u00e1n).<\/p>\n

II. C\u00f4ng nh\u1eadn t\u1ed5ng s\u1ed1 ti\u1ec1n l\u00e3i<\/strong> (v\u1edbi l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn cao ch\u01b0a ph\u00f9 h\u1ee3p v\u1edbi qui \u0111\u1ecbnh lu\u1eadt ph\u00e1p) cho \u0111\u1ebfn tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m 28\/6\/2004 (t\u1ee9c l\u00e0 th\u1eddi \u0111i\u1ec3m b\u1ecb \u0111\u01a1n x\u00e1c nh\u1eadn k\u1ec3 t\u1eeb \u0111\u00f3 v\u1ec1 sau ch\u01b0a tr\u1ea3 l\u00e3i ti\u1ebfp t\u1ee5c, theo bi\u00ean b\u1ea3n k\u1ebft th\u00fac ghi nh\u1eadn trong h\u1ed3 s\u01a1 t\u1ea1i T\u00f2a) v\u1edbi t\u1ed5ng s\u1ed1 l\u00e0 : 273.800.000 \u0111\u1ed3ng (hai tr\u0103m b\u1ea3y m\u01b0\u01a1i ba tri\u1ec7u t\u00e1m tr\u0103m ng\u00e0n \u0111\u1ed3ng) m\u00e0 b\u1ecb \u0111\u01a1n \u0111\u00e3 thanh to\u00e1n cho nguy\u00ean \u0111\u01a1n v\u00e0 \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e0m 13 \u0111\u1ee3t t\u1eeb \u0111\u1ee3t \u0111\u1ea7u v\u00e0o th\u00e1ng 8\/2003 \u0111\u1ebfn \u0111\u1ee3t cu\u1ed1i v\u00e0o th\u00e1ng 4\/2004 theo b\u00fat t\u00edch c\u1ee7a nguy\u00ean \u0111\u01a1n tr\u00ean b\u1ea3n \u0111\u1ed1i chi\u1ebfu. N\u1ebfu \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i theo qui \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1, k\u1ec3 c\u1ea3 B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/7\/1996 v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005 hi\u1ec7n nay, th\u00ec ph\u1ea7n \u0111\u00e3 tr\u1ea3 l\u00e3i vay cao v\u01b0\u1ee3t qui \u0111\u1ecbnh, theo t\u00f4i, c\u0169ng n\u00ean tr\u1eeb b\u1edbt v\u00e0o ph\u1ea7n v\u1ed1n c\u00f2n n\u1ee3 c\u1ee7a b\u1ecb \u0111\u01a1n.<\/p>\n

III. Kh\u00f4ng c\u00f4ng nh\u1eadn s\u1ed1 ti\u1ec1n n\u1ee3<\/strong> 300 tri\u1ec7u (ba tr\u0103m tri\u1ec7u \u0111\u1ed3ng ch\u1eb3n) m\u00e0 nguy\u00ean \u0111\u01a1n giao cho b\u1ecb \u0111\u01a1n ng\u00e0y 16\/6\/2004, v\u00ec \u0111\u00e2y l\u00e0 ti\u1ec1n h\u00f9n v\u1ed1n kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n theo nguy\u00ean t\u1eafc \u201cl\u1eddi \u0103n l\u1ed7 ch\u1ecbu\u201d m\u00e0 th\u1ef1c t\u1ebf l\u00e0 b\u1ecb \u0111\u01a1n \u0111\u00e3 b\u1ecb l\u1ed7 n\u1eb7ng, n\u00ean nguy\u00ean \u0111\u01a1n c\u0169ng ph\u1ea3i c\u00f9ng ch\u1ecbu h\u1eadu qu\u1ea3 thua l\u1ed7 qua vi\u1ec7c g\u00f3p v\u1ed1n l\u00e0m \u0103n n\u00e0y.<\/p>\n

IV. X\u00e1c nh\u1eadn quan h\u1ec7 d\u00e2n s\u1ef1 b\u1ecb v\u00f4 hi\u1ec7u<\/strong> t\u1eeb gi\u1ea5y nh\u1eadn n\u1ee3 ng\u00e0y 24\/01\/2005 v\u1edbi s\u1ed1 n\u1ee3 1.874.000.000 \u0111 (m\u1ed9t t\u1ec9 t\u00e1m tr\u0103m b\u1ea3y m\u01b0\u01a1i b\u1ed1n tri\u1ec7u \u0111\u1ed3ng) do c\u00f3 s\u1ef1 nh\u1ea7m l\u1eabn c\u1ee7a b\u00ean b\u1ecb \u0111\u01a1n v\u00e0 do vi ph\u1ea1m c\u00e1c h\u00ecnh th\u1ee9c v\u0103n b\u1ea3n (d\u00f9 vi\u1ebft tay) gi\u1eefa 2 b\u00ean nh\u01b0: ghi \u201cng\u01b0\u1eddi l\u00e0m ch\u1ee9ng\u201d nh\u01b0ng kh\u00f4ng c\u00f3 ai l\u00e0m ch\u1ee9ng k\u00fd t\u00ean c\u1ea3; ghi \u201cng\u01b0\u1eddi vi\u1ebft gi\u1ea5y nh\u1eadn n\u1ee3 k\u00fd t\u00ean\u201d nh\u01b0ng b\u1ecb \u0111\u01a1n kh\u00f4ng h\u1ec1 ch\u1ea5p b\u00fat, m\u00e0 ch\u00ednh nguy\u00ean \u0111\u01a1n l\u00e0 ch\u1ee7 n\u1ee3 t\u1ef1 vi\u1ebft; ghi \u201cgi\u1ea5y l\u00e0m 2 b\u1ea3n m\u1ed7i ng\u01b0\u1eddi m\u1ed9t b\u1ea3n gi\u00e1 tr\u1ecb nh\u01b0 nhau\u201d nh\u01b0ng th\u1ef1c t\u1ebf ch\u1ec9 c\u00f3 nguy\u00ean \u0111\u01a1n gi\u1eef m\u00e0 b\u1ecb \u0111\u01a1n (t\u1ee9c con n\u1ee3) kh\u00f4ng gi\u1eef b\u1ea3n n\u00e0o.<\/p>\n

Vi\u1ec7c tuy\u00ean b\u1ed1 quan h\u1ec7 d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u<\/strong> \u1edf \u0111\u00e2y d\u1ef1a tr\u00ean c\u01a1 s\u1edf c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a Lu\u1eadt D\u00e2n s\u1ef1 nh\u01b0 sau:<\/p>\n

\u2013 \u0110i\u1ec1u 139 B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 n\u01b0\u1edbc CHXHCN VN ng\u00e0y 09\/11\/1995 v\u1ec1 \u201cGiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do kh\u00f4ng tu\u00e2n th\u1ee7 qui \u0111\u1ecbnh v\u1ec1 h\u00ecnh th\u1ee9c\u201d v\u00e0 \u0110i\u1ec1u 141 B\u1ed9 Lu\u1eadt tr\u00ean v\u1ec1 \u201cgiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do b\u1ecb nh\u1ea7m l\u1eabn\u201d \u1edf kho\u1ea3n 2 qui \u0111\u1ecbnh: \u201cKhi giao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do nh\u1ea7m l\u1eabn, th\u00ec b\u00ean c\u00f3 l\u1ed7i trong vi\u1ec7c \u0111\u1ec3 x\u1ea3y ra nh\u1ea7m l\u1eabn ph\u1ea3i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i\u201d. \u1ede \u0111\u00e2y, b\u00ean c\u00f3 l\u1ed7i ch\u00ednh l\u00e0 nguy\u00ean \u0111\u01a1n, v\u00ec ch\u00ednh nguy\u00ean \u0111\u01a1n ch\u1ea5p b\u00fat v\u00e0 \u0111\u01b0a ra c\u00e1c qui \u0111\u1ecbnh h\u00ecnh th\u1ee9c g\u00e2y nh\u1ea7m l\u1eabn cho b\u1ecb \u0111\u01a1n, v\u00ec b\u1ecb \u0111\u01a1n l\u00e0 ng\u01b0\u1eddi \u00edt h\u1ecdc, d\u1ed1t lu\u1eadt ph\u00e1p.<\/p>\n

V\u00ec ch\u00ednh \u0110i\u1ec1u 400 B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/7\/1996 n\u00e0y c\u0169ng qui \u0111\u1ecbnh: \u201cKhi c\u00e1c b\u00ean giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1eb1ng h\u00ecnh th\u1ee9c nh\u1ea5t \u0111\u1ecbnh, th\u00ec h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u00e3 giao k\u1ebft khi \u0111\u00e3 tu\u00e2n theo h\u00ecnh th\u1ee9c \u0111\u00f3\u201d, nh\u01b0ng \u1edf \u0111\u00e2y quan h\u1ec7 d\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n sai h\u00ecnh th\u1ee9c \u0111\u00e3 th\u1ecfa thu\u1eadn.<\/p>\n

V\u00e0 ngay c\u1ea3 khi v\u1eadn d\u1ee5ng h\u1ed3i t\u1ed1 B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/01\/2006 \u1edf \u0110i\u1ec1u 131 v\u1ec1 \u201cgiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do b\u1ecb nh\u1ea7m l\u1eabn\u201d v\u00e0 \u0110i\u1ec1u 134 v\u1ec1 \u201cgiao d\u1ecbch d\u00e2n s\u1ef1 v\u00f4 hi\u1ec7u do kh\u00f4ng tu\u00e2n th\u1ee7 qui \u0111\u1ecbnh v\u1ec1 h\u00ecnh th\u1ee9c\u201d c\u0169ng c\u00f3 n\u1ed9i dung qui \u0111\u1ecbnh v\u1ec1 v\u00f4 hi\u1ec7u t\u01b0\u01a1ng t\u1ef1 nh\u01b0 tr\u00ean v\u1ec1 giao d\u1ecbch d\u00e2n s\u1ef1.<\/p>\n

H\u01a1n n\u1eefa, gi\u1ea5y nh\u1eadn n\u1ee3 ng\u00e0y 24\/01\/2005 v\u1ec1 kho\u1ea3n n\u1ee3 1.874.000.000 \u0111\u1ed3ng c\u00f2n vi ph\u1ea1m y\u1ebfu t\u1ed1 trung th\u1ef1c, v\u00ec theo nh\u00e2n ch\u1ee9ng t\u00ecnh c\u1edd L (\u0111\u00e3 c\u00f3 b\u1ea3n khai t\u1ea1i h\u1ed3 s\u01a1 v\u1ee5 ki\u1ec7n), th\u00ec b\u1ecb \u0111\u01a1n L k\u00fd x\u00e1c nh\u1eadn tr\u01b0\u1edbc r\u1ed3i, nguy\u00ean \u0111\u01a1n m\u1edbi ghi n\u1ed9i dung ph\u1ea7n sau, trong \u0111\u00f3 c\u00f3 vi\u1ec7c ghi th\u00eam s\u1ed1 n\u1ee3 1.874.000.000 \u0111\u1ed3ng.<\/p>\n

V\u00e0 r\u00f5 r\u00e0ng m\u1ed9t khi quan h\u1ec7 d\u00e2n s\u1ef1 b\u1ecb v\u00f4 hi\u1ec7u, th\u00ec quan h\u1ec7 \u0111\u00f3 m\u1ea5t gi\u00e1 tr\u1ecb v\u00e0 kh\u00f4ng t\u1ed3n t\u1ea1i, ho\u00e0n to\u00e0n kh\u00f4ng th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ngh\u0129a v\u1ee5 b\u00ean b\u1ecb \u0111\u01a1n (t\u1ee9c con n\u1ee3) v\u00ec b\u1ecb \u0111\u01a1n l\u00e0 ng\u01b0\u1eddi ngay t\u00ecnh, do nh\u1ea7m l\u1eabn. V\u00e0 b\u1ecb \u0111\u01a1n c\u0169ng ph\u1ee7 nh\u1eadn ho\u00e0n to\u00e0n l\u00e0 kh\u00f4ng h\u1ec1 c\u00f3 nh\u1eadn kho\u1ea3ng n\u1ee3 n\u00e0y.\u00a0<\/p>\n

T\u00f3m l\u1ea1i,<\/strong> tr\u00ean c\u01a1 s\u1edf c\u00e1c lu\u1eadn c\u1ee9 vi\u1ec7n d\u1eabn tr\u00ean, v\u1edbi t\u01b0 c\u00e1ch lu\u1eadt s\u01b0 b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p cho b\u1ecb \u0111\u01a1n, ch\u00fang t\u00f4i ki\u1ebfn ngh\u1ecb H\u1ed9i \u0110\u1ed3ng x\u00e9t x\u1eed ch\u1ea5p nh\u1eadn y\u00eau c\u1ea7u ph\u00eda b\u1ecb \u0111\u01a1n \u0111\u1ec3 tuy\u00ean x\u00e1c nh\u1eadn s\u1ed1 n\u1ee3 c\u00f2n t\u1ed3n \u0111\u1ecdng m\u00e0 b\u1ecb \u0111\u01a1n c\u00f3 ngh\u0129a v\u1ee5 ph\u1ea3i tr\u1ea3 l\u00e0 400.000.000 \u0111 (b\u1ed1n tr\u0103m tri\u1ec7u \u0111\u1ed3ng ch\u1eb3n) v\u00e0 s\u1ed1 l\u00e3i ph\u00e1t sinh k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m ng\u00e0y 28\/6\/2004 v\u1ec1 sau nh\u01b0 b\u1ecb \u0111\u01a1n \u0111\u00e3 th\u00e0nh th\u1eadt khai b\u00e1o tr\u01b0\u1edbc T\u00f2a h\u00f4m nay.<\/p>\n

V\u00e0 c\u0103n c\u1ee9 theo \u0110i\u1ec1u 476 kho\u1ea3n 1 (v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n) c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 (m\u1ee5c 4 ch\u01b0\u01a1ng XVIII) c\u00f3 ghi r\u00f5: \u201c L\u00e3i su\u1ea5t cho vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng\u201d. Trong qu\u00e1 tr\u00ecnh vay v\u00e0 tr\u1ea3 n\u1ee3, l\u00e3i c\u1ee7a b\u1ecb \u0111\u01a1n L c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh thu\u1ed9c lo\u1ea1i h\u00ecnh vay v\u1ed1n l\u01b0u \u0111\u1ed9ng trung h\u1ea1n, v\u00e0 c\u0103n c\u1ee9 theo c\u00e1c t\u00e0i li\u1ec7u th\u00f4ng b\u00e1o c\u1ee7a Ng\u00e2n h\u00e0ng, th\u00ec trong c\u00e1c kho\u1ea3n th\u1eddi gian \u0111\u00f3 l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng bi\u1ebfn \u0111\u1ed9ng t\u1eeb 0,8%\/th\u00e1ng cho \u0111\u1ebfn cao nh\u1ea5t l\u00e0 1,1%, t\u1ee9c l\u00e0 b\u1ecb \u0111\u01a1n ch\u1ec9 ph\u1ea3i thanh to\u00e1n l\u00e3i t\u1ed1i \u0111a 1,65%\/th\u00e1ng (t\u1ee9c 1,1% x 150%). Nh\u01b0ng trong qu\u00e1 tr\u00ecnh thanh to\u00e1n l\u00e3i , b\u1ecb \u0111\u01a1n L \u0111\u00e3 ch\u1ecbu thi\u1ec7t h\u1ea1i v\u00ec ph\u1ea3i thanh to\u00e1n l\u00e3i t\u1eeb th\u1ea5p nh\u1ea5t l\u00e0 2%\/th\u00e1ng \u0111\u1ebfn m\u1ee9c cao l\u00e0 3%\/th\u00e1ng v\u00e0 th\u1eadm ch\u00ed c\u00f2n ph\u1ea3i tr\u1ea3 l\u00e3i ch\u1ed3ng l\u00ean l\u00e3i (do nguy\u00ean \u0111\u01a1n c\u1ed9ng n\u1ee3 l\u00e3i v\u00e0o v\u1ed1n \u0111\u1ec3 t\u00ednh l\u00e3i ti\u1ebfp). V\u00ec v\u1eady, ch\u00fang t\u00f4i c\u0169ng ki\u1ebfn ngh\u1ecb H\u1ed9i \u0110\u1ed3ng x\u00e9t x\u1eed s\u01a1 th\u1ea9m cho \u00e1p d\u1ee5ng theo \u0111\u00fang l\u00e3i su\u1ea5t cho vay hi\u1ec7n nay c\u1ee7a Ng\u00e2n h\u00e0ng (l\u00e0 1,1% \u0111\u1ebfn cao nh\u1ea5t l\u00e0 1,2%\/th\u00e1ng) \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 400 tri\u1ec7u \u0111\u1ed3ng c\u00f2n l\u1ea1i k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m 28\/6\/2004 \u0111\u1ebfn ng\u00e0y kh\u1edfi ki\u1ec7n c\u1ee7a nguy\u00ean \u0111\u01a1n. K\u00ednh mong \u0111\u01b0\u1ee3c Qu\u00ed T\u00f2a nghi\u00ean c\u1ee9u ch\u1ea5p nh\u1eadn c\u00e1c lu\u1eadn c\u1ee9 v\u00e0 c\u00e1c ki\u1ebfn ngh\u1ecb c\u1ee5 th\u1ec3 h\u1ee3p t\u00ecnh, h\u1ee3p l\u00fd v\u00e0 th\u1ecfa \u0111\u00e1ng n\u00f3i tr\u00ean, \u0111\u1ec3 cho th\u00e2n ch\u1ee7 t\u00f4i kh\u00f4ng b\u1ecb qu\u00e1 thi\u1ec7t h\u1ea1i.<\/p>\n

Tr\u00e2n tr\u1ecdng k\u00ednh ki\u1ebfn ngh\u1ecb v\u00e0 k\u00ednh c\u1ea3m \u01a1n H\u1ed9i \u0110\u1ed3ng x\u00e9t x\u1eed.\u00a0<\/p>\n

\u00bb T\u01b0 v\u1ea5n thu h\u1ed3i n\u1ee3 cho c\u00e1 nh\u00e2n<\/a><\/p>\n

2. Lu\u1eadn c\u1ee9 b\u1ea3o v\u1ec7 v\u1ee5 \u0111\u00f2i n\u1ee3 cho b\u1ecb \u0111\u01a1n<\/strong><\/h3>\n

C\u1ed8NG H\u00d2A X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM
<\/strong>\u0110\u1ed9c l\u1eadp \u2013 T\u1ef1 do \u2013 H\u1ea1nh ph\u00fac<\/span><\/p>\n

\u2026\u2026\u2026, ng\u00e0y \u2026 th\u00e1ng \u2026 n\u0103m 20\u2026<\/em><\/p>\n

Quan \u0111i\u1ec3m c\u1ee7a lu\u1eadt s\u01b0<\/strong><\/p>\n

K\u00ednh th\u01b0a H\u1ed9i \u0111\u1ed3ng x\u00e9t x\u1eed<\/p>\n

\u0110ang c\u1eadp nh\u1eadt\u2026.<\/p>\n

3. M\u1eabu b\u1ea3n lu\u1eadn c\u1ee9 b\u1ea3o v\u1ec7 b\u1ecb \u0111\u01a1n v\u1ee5 \u00e1n d\u00e2n s\u1ef1<\/strong><\/a><\/h3>\n","protected":false},"excerpt":{"rendered":"

B\u1ea3n lu\u1eadn c\u1ee9 b\u1ea3o v\u1ec7 b\u1ecb \u0111\u01a1n trong v\u1ee5 \u00e1n \u0111\u00f2i n\u1ee3. Lu\u1eadn c\u1ee9 l\u00e0 b\u1ea3n l\u1eadp lu\u1eadn c\u1ee7a lu\u1eadt s\u01b0 b\u1ea3o v\u1ec7 \u0111\u01b0\u01a1ng s\u1ef1 c\u1ee7a m\u00ecnh tr\u01b0\u1edbc t\u00f2a \u00e1n. V\u1ee5 \u00e1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh quan h\u1ec7 l\u00e0 Tranh ch\u1ea5p \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n l\u00e0 kho\u1ea3n cho vay n\u1ee3 gi\u1eefa b\u00ean cho vay v\u00e0 ng\u01b0\u1eddi […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[171],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/39936"}],"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=39936"}],"version-history":[{"count":8,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/39936\/revisions"}],"predecessor-version":[{"id":40157,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/39936\/revisions\/40157"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=39936"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=39936"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=39936"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}