Ng\u00e0y 30\/7\/2021, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 11\/2021\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 ph\u00e2n lo\u1ea1i t\u00e0i s\u1ea3n c\u00f3, m\u1ee9c tr\u00edch, ph\u01b0\u01a1ng ph\u00e1p tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro v\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. V\u0103n b\u1ea3n n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/10\/2021.<\/p>\n
Theo \u0111\u00f3, v\u1ec1 nguy\u00ean t\u1eafc, th\u00f4ng t\u01b0 quy \u0111\u1ecbnh to\u00e0n b\u1ed9 d\u01b0 n\u1ee3 c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng t\u1ea1i m\u1ed9t T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD), Chi nh\u00e1nh Ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0o c\u00f9ng m\u1ed9t nh\u00f3m n\u1ee3. TCTD ph\u00e2n lo\u1ea1i n\u1ee3 theo 5 nh\u00f3m:<\/strong><\/span> (i) Nh\u00f3m 1: N\u1ee3 \u0111\u1ee7 ti\u00eau chu\u1ea9n; (ii) Nh\u00f3m 2: N\u1ee3 c\u1ea7n ch\u00fa \u00fd; (iii) Nh\u00f3m 3: N\u1ee3 d\u01b0\u1edbi ti\u00eau chu\u1ea9n; (iv) Nh\u00f3m 4: N\u1ee3 nghi ng\u1edd; (v) Nh\u00f3m 5: N\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n. T\u1ef7 l\u1ec7 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi t\u1eebng nh\u00f3m n\u1ee3 nh\u01b0 sau: (i) Nh\u00f3m 1: 0%; (ii) Nh\u00f3m 2: 5%; (iii) Nh\u00f3m 3: 20%; (iv) Nh\u00f3m 4: 50%; (v) Nh\u00f3m 5: 100%.<\/em><\/p>\n M\u1ee9c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng chung ph\u1ea3i tr\u00edch \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng 0,75% t\u1ed5ng s\u1ed1 d\u01b0 c\u00e1c kho\u1ea3n n\u1ee3 t\u1eeb nh\u00f3m 1 \u0111\u1ebfn nh\u00f3m 4. B\u00ean c\u1ea1nh \u0111\u00f3, T<\/strong>CTD s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro trong tr\u01b0\u1eddng h\u1ee3p sau:<\/strong><\/span> Kh\u00e1ch h\u00e0ng l\u00e0 t\u1ed5 ch\u1ee9c b\u1ecb gi\u1ea3i th\u1ec3, ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n b\u1ecb ch\u1ebft, m\u1ea5t t\u00edch; c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0o nh\u00f3m n\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n.<\/em><\/p>\n Sau th\u1eddi gian t\u1ed1i thi\u1ec3u 5 n\u0103m<\/strong> k\u1ec3 t\u1eeb ng\u00e0y s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro v\u00e0 sau khi \u0111\u00e3 th\u1ef1c hi\u1ec7n t\u1ea5t c\u1ea3 c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ec3 thu h\u1ed3i nh\u01b0ng kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c TCTD \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh xu\u1ea5t to\u00e1n n\u1ee3 \u0111\u00e3 x\u1eed l\u00fd r\u1ee7i ro kh\u1ecfi ngo\u1ea1i bang.<\/p>\n So v\u1edbi Th\u00f4ng t\u01b0 s\u1ed1 02\/2013\/TT-NHNN ng\u00e0y 21\/1\/2013, Th\u00f4ng t\u01b0 09\/2014\/TT-NHNN ng\u00e0y 18\/3\/2014 th\u00ec Th\u00f4ng t\u01b0 s\u1ed1 11\/2021\/TT-NHNN \u0111\u00e3 \u0111\u01b0a ra khung ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n \u0111\u1ec3 ph\u00e2n lo\u1ea1i n\u1ee3 v\u00e0 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng ph\u00f9 h\u1ee3p v\u1edbi b\u1ed1i c\u1ea3nh d\u1ecbch b\u1ec7nh b\u00f9ng ph\u00e1t khi\u1ebfn n\u1ee3 x\u1ea5u ti\u1ec1m \u1ea9n c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng t\u0103ng m\u1ea1nh trong v\u00e0i n\u0103m ti\u1ebfp theo.<\/p>\n","protected":false},"excerpt":{"rendered":" Ng\u00e0y 30\/7\/2021, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 11\/2021\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 ph\u00e2n lo\u1ea1i t\u00e0i s\u1ea3n c\u00f3, m\u1ee9c tr\u00edch, ph\u01b0\u01a1ng ph\u00e1p tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro v\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc […]<\/p>\n","protected":false},"author":3,"featured_media":14680,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-14684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bai-viet"],"_links":{"self":[{"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/posts\/14684","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/comments?post=14684"}],"version-history":[{"count":0,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/posts\/14684\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/media\/14680"}],"wp:attachment":[{"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/media?parent=14684"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/categories?post=14684"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/tags?post=14684"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}