{"id":17382,"date":"2024-07-04T14:44:11","date_gmt":"2024-07-04T14:44:11","guid":{"rendered":"https:\/\/bizlawyer.vn\/?p=17382"},"modified":"2024-07-04T14:45:04","modified_gmt":"2024-07-04T14:45:04","slug":"cam-ban-san-pham-bao-hiem-khong-bat-buoc-voi-viec-cung-ung-san-pham-dich-vu-ng-n-hang","status":"publish","type":"post","link":"https:\/\/bizlawyer.vn\/vi\/cam-ban-san-pham-bao-hiem-khong-bat-buoc-voi-viec-cung-ung-san-pham-dich-vu-ng-n-hang","title":{"rendered":"C\u1ea4M B\u00c1N S\u1ea2N PH\u1ea8M B\u1ea2O HI\u1ec2M KH\u00d4NG B\u1eaeT BU\u1ed8C V\u1edaI VI\u1ec6C CUNG \u1ee8NG S\u1ea2N PH\u1ea8M, D\u1ecaCH V\u1ee4 NG\u00c2N H\u00c0NG"},"content":{"rendered":"

Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) n\u0103m 2024 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua ng\u00e0y 18\/01\/2024 v\u00e0 ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y 01\/7\/2024. N\u1ed9i dung Lu\u1eadt c\u00f3 nhi\u1ec1u \u0111i\u1ec3m m\u1edbi t\u00edch c\u1ef1c, \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 s\u1ebd g\u00f3p ph\u1ea7n \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c TCTD ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, \u1ed5n \u0111\u1ecbnh.<\/span><\/i><\/p>\n

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TCTD \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c kh\u01a1i th\u00f4ng, v\u1eadn h\u00e0nh n\u1ec1n kinh t\u1ebf. Do \u0111\u00f3, c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn c\u00e1c TCTD lu\u00f4n \u0111\u01b0\u1ee3c ch\u00fa tr\u1ecdng, quan t\u00e2m v\u00e0 ho\u00e0n thi\u1ec7n. Lu\u1eadt c\u00e1c TCTD 2024, k\u1ec3 t\u1eeb ng\u00e0y 01\/7\/2024, s\u1ebd thay th\u1ebf hi\u1ec7u l\u1ef1c c\u1ee7a Lu\u1eadt c\u00e1c TCTD 2010, s\u1eeda \u0111\u1ed5i b\u1ed5 sung n\u0103m 2017. M\u1ed9t s\u1ed1 quy \u0111\u1ecbnh m\u1edbi \u0111\u00e1ng ch\u00fa \u00fd nh\u01b0 sau:<\/span><\/p>\n

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Th\u1ee9 nh\u1ea5t<\/i><\/b>, <\/span><\/i>Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 c\u1ea5m b\u00e1n b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c v\u1edbi cung \u1ee9ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c.\u00a0\u00a0<\/span><\/p>\n

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Th\u1ee9 hai,<\/i><\/b> Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 m\u1edf r\u1ed9ng ch\u1ee7 th\u1ec3 ph\u1ea3i cung c\u1ea5p, c\u00f4ng b\u1ed1 v\u00e0 c\u00f4ng khai th\u00f4ng tin nh\u1eb1m ki\u1ec3m so\u00e1t v\u00e0 tr\u00e1nh t\u00ecnh tr\u1ea1ng thao t\u00fang, s\u1edf h\u1eefu ch\u00e9o. T\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 49 c\u1ee7a Lu\u1eadt quy \u0111\u1ecbnh: C\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 01% v\u1ed1n \u0111i\u1ec1u l\u1ec7 tr\u1edf l\u00ean c\u1ee7a TCTD ph\u1ea3i cung c\u1ea5p cho TCTD c\u00e1c th\u00f4ng tin: a) H\u1ecd v\u00e0 t\u00ean; s\u1ed1 \u0111\u1ecbnh danh c\u00e1 nh\u00e2n; qu\u1ed1c t\u1ecbch, s\u1ed1 h\u1ed9 chi\u1ebfu, ng\u00e0y v\u00e0 n\u01a1i c\u1ea5p c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i; s\u1ed1 Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd doanh nghi\u1ec7p\/gi\u1ea5y t\u1edd ph\u00e1p l\u00fd t\u01b0\u01a1ng \u0111\u01b0\u01a1ng c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c; ng\u00e0y c\u1ea5p, n\u01a1i c\u1ea5p c\u1ee7a gi\u1ea5y t\u1edd n\u00e0y; b) Th\u00f4ng tin v\u1ec1 ng\u01b0\u1eddi c\u00f3 li\u00ean quan theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt; c) S\u1ed1 l\u01b0\u1ee3ng, t\u1ec9 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a m\u00ecnh t\u1ea1i TCTD \u0111\u00f3; d) S\u1ed1 l\u01b0\u1ee3ng, t\u1ec9 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a ng\u01b0\u1eddi c\u00f3 li\u00ean quan t\u1ea1i TCTD \u0111\u00f3.<\/span><\/p>\n

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Th\u1ee9 ba<\/i><\/b>,<\/span><\/i> Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 gi\u1ea3m t\u1ec9 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1ed1i \u0111a c\u1ee7a c\u1ed5 \u0111\u00f4ng trong c\u00e1c TCTD. C\u1ee5 th\u1ec3, m\u1ed9t c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t TCTD; C\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u1ee7a c\u1ed5 \u0111\u00f4ng \u0111\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 15% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t TCTD. C\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ee7a m\u1ed9t TCTD v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u1ee7a c\u1ed5 \u0111\u00f4ng \u0111\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1eeb 05% v\u1ed1n \u0111i\u1ec1u l\u1ec7 tr\u1edf l\u00ean c\u1ee7a m\u1ed9t TCTD kh\u00e1c.\u00a0<\/span><\/p>\n

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\u0110\u1ed1i v\u1edbi c\u00e1c c\u1ed5 \u0111\u00f4ng \u0111ang s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u01b0\u1ee3t t\u1ec9 l\u1ec7 so v\u1edbi quy \u0111\u1ecbnh m\u1edbi, k\u1ec3 t\u1eeb ng\u00e0y Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh, c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u01b0\u1ee3t t\u1ec9 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n quy \u0111\u1ecbnh m\u1edbi \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c duy tr\u00ec c\u1ed5 ph\u1ea7n nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c t\u0103ng th\u00eam c\u1ed5 ph\u1ea7n cho \u0111\u1ebfn khi tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 t\u1ec9 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c TCTD n\u0103m 2024, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p nh\u1eadn c\u1ed5 t\u1ee9c b\u1eb1ng c\u1ed5 phi\u1ebfu.<\/span><\/p>\n

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Th\u1ee9 t\u01b0,<\/i><\/b> Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 b\u1ed5 sung quy \u0111\u1ecbnh v\u1ec1 x\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng. Theo \u0111\u00f3, TCTD ph\u1ea3i c\u00f3 t\u1ed1i thi\u1ec3u th\u00f4ng tin v\u1ec1 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n h\u1ee3p ph\u00e1p, kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng c\u00f3 m\u1ee9c gi\u00e1 tr\u1ecb nh\u1ecf g\u1ed3m :a) Kho\u1ea3n cho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng qua th\u1ebb c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i; b) Kho\u1ea3n cho thu\u00ea t\u00e0i ch\u00ednh, kho\u1ea3n cho vay ti\u00eau d\u00f9ng, kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng qua th\u1ebb c\u1ee7a TCTD phi ng\u00e2n h\u00e0ng; c) Kho\u1ea3n cho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng c\u1ee7a qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n; d) Kho\u1ea3n cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4.<\/span><\/p>\n

Th\u1ee9 n\u0103m<\/i><\/b>, <\/span><\/i>Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 quy \u0111\u1ecbnh v\u1ec1 can thi\u1ec7p s\u1edbm c\u00e1c TCTD y\u1ebfu k\u00e9m. Theo \u0111\u00f3, Lu\u1eadt \u0111\u00e3 b\u1ed5 sung m\u1ed9t ch\u01b0\u01a1ng quy \u0111\u1ecbnh d\u00e0nh cho vi\u1ec7c can thi\u1ec7p s\u1edbm c\u00e1c TCTD.<\/span><\/p>\n

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Th\u1ee9 s\u00e1u<\/i><\/b>,<\/span><\/i> Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 gi\u1ea3m d\u1ea7n gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng. M\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh s\u1ebd gi\u1ea3m d\u1ea7n qua t\u1eebng n\u0103m, b\u1eaft \u0111\u1ea7u t\u1eeb n\u0103m 2026. Quy \u0111\u1ecbnh n\u00e0y m\u1ed9t m\u1eb7t l\u00e0m gi\u1ea3m nguy c\u01a1 s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng, m\u1ed9t m\u1eb7t l\u1ea1i \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n c\u1ee7a doanh nghi\u1ec7p. Do \u0111\u00f3, t\u1eeb th\u1eddi \u0111i\u1ec3m sau khi Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c \u0111\u1ebfn n\u0103m 2026 (th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u \u00e1p d\u1ee5ng vi\u1ec7c gi\u1ea3m d\u1ea7n m\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng), c\u00e1c doanh nghi\u1ec7p c\u1ea7n c\u00f3 nh\u1eefng ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0, kinh doanh gi\u1ea3m d\u1ea7n vi\u1ec7c ph\u1ee5 thu\u1ed9c m\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a TCTD, \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh l\u00e2u d\u00e0i c\u1ee7a m\u00ecnh.<\/span><\/p>\n

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Th\u1ee9 b\u1ea3y<\/i><\/b> Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/span><\/p>\n

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B\u1ea3n tin n\u00e0y ch\u1ec9 nh\u1eb1m m\u1ee5c \u0111\u00edch th\u00f4ng tin v\u1ec1 nh\u1eefng quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt m\u1edbi ban h\u00e0nh, kh\u00f4ng d\u00f9ng \u0111\u1ec3 t\u01b0 v\u1ea5n hay \u00e1p d\u1ee5ng cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3.<\/span><\/i><\/p>\n

Bizlawyer h\u00e2n h\u1ea1nh \u0111\u01b0\u1ee3c \u0111\u1ed3ng h\u00e0nh c\u00f9ng Qu\u00fd B\u1ea1n \u0111\u1ecdc!<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"

Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) n\u0103m 2024 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua ng\u00e0y 18\/01\/2024 v\u00e0 ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y 01\/7\/2024. N\u1ed9i dung Lu\u1eadt c\u00f3 nhi\u1ec1u \u0111i\u1ec3m m\u1edbi t\u00edch c\u1ef1c, \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 s\u1ebd g\u00f3p ph\u1ea7n \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c TCTD ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, \u1ed5n […]<\/p>\n","protected":false},"author":14,"featured_media":17381,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17382","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\/17382","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\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/comments?post=17382"}],"version-history":[{"count":0,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/posts\/17382\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/media\/17381"}],"wp:attachment":[{"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/media?parent=17382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/categories?post=17382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizlawyer.vn\/vi\/wp-json\/wp\/v2\/tags?post=17382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}