{"id":86215,"date":"2023-08-25T11:02:19","date_gmt":"2023-08-25T04:02:19","guid":{"rendered":"https:\/\/corporatecounsels.vn\/?p=86215"},"modified":"2023-08-30T14:58:20","modified_gmt":"2023-08-30T07:58:20","slug":"bao-hiem-nhan-tho-nhieu-van-de-bat-cap-phan-cuoi","status":"publish","type":"post","link":"https:\/\/corporatecounsels.vn\/vi\/bao-hiem-nhan-tho-nhieu-van-de-bat-cap-phan-cuoi\/","title":{"rendered":"B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd – Nhi\u1ec1u V\u1ea5n \u0110\u1ec1 B\u1ea5t C\u1eadp (Ph\u1ea7n Cu\u1ed1i)"},"content":{"rendered":"

B\u00e0i vi\u1ebft g\u1ed1c: B\u00e0i cu\u1ed1i: Y\u00eau c\u1ea7u ch\u1ea5n ch\u1ec9nh to\u00e0n di\u1ec7n<\/a><\/em><\/strong><\/p>\n

B\u00e0i Cu\u1ed1i: <\/strong>Y\u00eau C\u1ea7u Ch\u1ea5n Ch\u1ec9nh To\u00e0n Di\u1ec7n<\/strong><\/h1>\n

Trong n\u0103m 2023, b\u00ean c\u1ea1nh vi\u1ec7c kh\u1ea9n tr\u01b0\u01a1ng ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m, B\u1ed9 T\u00e0i ch\u00ednh s\u1ebd ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n thanh tra, ki\u1ec3m tra chuy\u00ean \u0111\u1ec1 b\u00e1n b\u1ea3o hi\u1ec3m th\u00f4ng qua c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi 10 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m. \u0110\u1ed3ng th\u1eddi, ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd v\u1edbi C\u01a1 quan Thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam trong vi\u1ec7c thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng. Tr\u01b0\u1eddng h\u1ee3p ph\u00e1t hi\u1ec7n vi ph\u1ea1m s\u1ebd x\u1eed l\u00fd nghi\u00eam theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 y\u00eau c\u1ea7u h\u00e0ng lo\u1ea1t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p ch\u1ea5n ch\u1ec9nh to\u00e0n di\u1ec7n \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u00f4ng qua t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. \u0110\u1ed3ng th\u1eddi, kh\u1ea9n tr\u01b0\u01a1ng x\u00e2y d\u1ee5ng quy tr\u00ecnh ki\u1ec3m tra, gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m; ch\u1ee7 \u0111\u1ed9ng ph\u00e1t hi\u1ec7n, x\u1eed l\u00fd c\u00e1c thi\u1ebfu s\u00f3t, vi ph\u1ea1m trong qu\u00e1n tr\u00ecnh tri\u1ec3n khai nghi\u00eam v\u1ee5 b\u1ea3o hi\u1ec3m t\u1ea1i doanh nghi\u1ec7p; h\u1ea1n ch\u1ebf t\u1ed1i \u0111a vi\u1ec7c \u1ea3nh h\u01b0\u1edfng t\u1edbi quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

Sai \u0110\u1ebfn \u0110\u00e2u X\u1eed L\u00fd Nghi\u00eam \u0110\u1ebfn \u0110\u00f3<\/strong><\/h2>\n

 V\u1ec1 k\u1ebft qu\u1ea3 thanh tra vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m (ng\u00e0y 30\/6\/2023), B\u1ed9 T\u00e0i ch\u00ednh cho bi\u1ebft: Th\u1eddi gian qua, th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m n\u00f3i chung v\u00e0 k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang c\u00f3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng nhanh. Tuy nhi\u00ean, \u0111\u00e3 xu\u1ea5t hi\u1ec7n t\u00ecnh tr\u1ea1ng nh\u00e2n vi\u00ean c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng gi\u1edbi thi\u1ec7u, ch\u00e0o m\u1eddi, \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m nh\u1eadn th\u1ecd (BHNT), b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 khi kh\u00e1ch h\u00e0ng t\u1edbi g\u1eedi ti\u1ec1n ho\u1eb7c vay v\u1ed1n t\u00edn d\u1ee5ng. Do \u0111\u00f3, ngay trong n\u0103m 2022, l\u00e3nh \u0111\u1ea1o B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean quan kh\u1ea9n tr\u01b0\u01a1ng t\u1ed5 ch\u1ee9c thanh tra, ki\u1ec3m tra vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng. Th\u1ef1c hi\u1ec7n \u00fd ki\u1ebfn ch\u1ec9 \u0111\u1ea1o c\u1ee7a l\u00e3nh \u0111\u1ea1o B\u1ed9 T\u00e0i ch\u00ednh, C\u1ee5c Qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m tr\u1ef1c thu\u1ed9c B\u1ed9 n\u00e0y \u0111\u00e3 ti\u1ebfn h\u00e0nh thanh tra l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng tr\u00ean t\u1ea1i 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m l\u00e0 Prudential, MB Ageas, Sun Life v\u00e0 BIDV Metlife.<\/p>\n

Tr\u00ean tinh th\u1ea7n ch\u1ec9 \u0111\u1ea1o quy\u1ebft li\u1ec7t, minh b\u1ea1ch, \u201csai \u0111\u1ebfn \u0111\u1ea7u x\u1eed l\u00fd nghi\u00eam \u0111\u1ebfn \u0111\u00f3” c\u1ee7a B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh, c\u00e1c \u0111o\u00e0n thanh tra \u0111\u00e3 tri\u1ec3n khai c\u00f4ng t\u00e1c thanh tra nghi\u00eam t\u00fac, kh\u00e1ch quan, trung th\u1ef1c. K\u1ebft qu\u1ea3 c\u00f4ng t\u00e1c thanh tra cho th\u1ea5y, vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua k\u00eanh \u0111\u1ea1i l\u00fd l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 nhi\u1ec1u vi ph\u1ea1m, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00e2u t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng, nh\u00e2n vi\u00ean m\u00f4i gi\u1edbi. M\u1ed9t s\u1ed1 h\u00e0nh vi vi ph\u1ea1m \u0111i\u1ec3n h\u00ecnh nh\u01b0: kh\u00f4ng t\u01b0 v\u1ea5n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng ho\u1eb7c kh\u00f4ng h\u01b0\u1edbng d\u1eabn \u0111\u1ea7y \u0111\u1ee7 th\u1ee7 t\u1ee5c trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n quy tr\u00ecnh, th\u1ee7 t\u1ee5c h\u1ed3 s\u01a1 y\u00eau c\u1ea7u theo quy \u0111\u1ecbnh c\u1ee7a doanh nghi\u1ec7p; kh\u00f4ng b\u1ea3o \u0111\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, d\u1eabn \u0111\u1ebfn kh\u00e1ch h\u00e0ng kh\u00f4ng hi\u1ec3u r\u00f5 v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m; cho ng\u01b0\u1eddi kh\u00e1c (\u0111\u1ea1i l\u00fd c\u00e1 nh\u00e2n kh\u00e1c, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng) s\u1eed d\u1ee5ng IPad, m\u00e3 s\u1ed1 \u0111\u1ea1i l\u00fd \u0111\u1ec3 h\u01b0\u1edbng d\u1eabn kh\u00e1ch h\u00e0ng nh\u1eadp th\u00f4ng tin v\u00e0 kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang bi\u1ec3u ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh ph\u1ee7 chu\u1ea9n…<\/p>\n

\u0110\u00f3 l\u00e0 nh\u1eefng h\u00e0nh vi vi ph\u1ea1m s\u1ebd \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh xem x\u00e9t, x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, b\u1ea3o \u0111\u1ea3m t\u00ednh nghi\u00eam minh v\u00e0 t\u1ea1o s\u1ef1 r\u0103n \u0111e \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p \u0111ang ho\u1ea1t \u0111\u1ed9ng tr\u00ean th\u1ecb tr\u01b0\u1edfng. C\u00e1c quy\u1ebft \u0111\u1ecbnh x\u1eed ph\u1ea1t sau khi ban h\u00e0nh s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng khai v\u1edbi c\u00e1c c\u01a1 quan b\u00e1o ch\u00ed v\u00e0 d\u01b0 lu\u1eadn, nh\u1eb1m b\u1ea3o \u0111\u1ea3m kh\u00e1ch quan, minh b\u1ea1ch.<\/p>\n

\u0110\u1ed3ng th\u1eddi, c\u0103n c\u1ee9 k\u1ebft qu\u1ea3 thanh tra, B\u1ed9 T\u00e0i ch\u00ednh y\u00eau c\u1ea7u 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m (Prudential, MB Ageas, Sun Life v\u00e0 BIDV Metlife) th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p sau: t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t, ch\u1ea5n ch\u00ednh to\u00e0n di\u1ec7n \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u00f4ng qua t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i; kh\u1ea9n tr\u01b0\u01a1ng x\u00e2y d\u1ef1ng quy tr\u00ecnh ki\u1ec3m tra, gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m; ch\u1ee7 \u0111\u1ed9ng ph\u00e1t hi\u1ec7n, x\u1eed l\u00fd c\u00e1c thi\u1ebfu s\u00f3t, vi ph\u1ea1m trong qu\u00e1 tr\u00ecnh tri\u1ec3n khai nghi\u1ec7p v\u1ee5 b\u1ea3o hi\u1ec3m t\u1ea1i doanh nghi\u1ec7p. h\u1ea1n ch\u1ebf t\u1ed1i \u0111a vi\u1ec7c \u1ea3nh h\u01b0\u1edfng t\u1edbi quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

B\u1ed9 T\u00e0i ch\u00ednh c\u00f2n y\u00eau c\u1ea7u 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m tr\u00ean b\u1ea3o \u0111\u1ea3m cao nh\u1ea5t vi\u1ec7c qu\u1ea3n l\u00fd \u0111\u1ea1i l\u00fd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ch\u1eb7t ch\u1ebf; ng\u0103n ng\u1eeba, ph\u00e1t hi\u1ec7n s\u1edbm c\u00e1c h\u00e0nh vi vi ph\u1ea1m c\u1ee7a \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, c\u00e1 nh\u00e2n thu\u1ed9c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m. C\u00f3 bi\u1ec7n ph\u00e1p ch\u00e2n ch\u1ec9nh c\u00f4ng t\u00e1c \u0111\u00e0o t\u1ea1o, qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m. C\u00e1c \u0111\u1ea1i l\u00fd ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng, th\u1ef1c hi\u1ec7n \u0111\u00fang n\u1ed9i dung, nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. R\u00e0 so\u00e1t c\u00e1c kho\u1ea3n chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, b\u1ea3o \u0111\u1ea3m c\u00e1c kho\u1ea3n chi ph\u00ed ph\u1ea3i ph\u1ee5c v\u1ee5 cho ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m, c\u00f3 \u0111\u1ea7y \u0111\u1ee7 ch\u1ee9ng t\u1eeb, b\u1eb1ng ch\u1ee9ng ch\u1ee9ng minh, ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. T\u0103ng c\u01b0\u1eddng gi\u00e1m s\u00e1t vi\u1ec7c qu\u1ea3n tr\u1ecb r\u1ee7i ro, b\u1ea3o \u0111\u1ea3m c\u00e1c ti\u00eau ch\u00ed an to\u00e0n t\u00e0i ch\u00ednh, an to\u00e0n v\u1ed1n c\u1ee7a doanh nghi\u1ec7p theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

N\u00ean Ghi \u00c2m, T\u1ed1 Gi\u00e1c Sai Ph\u1ea1m<\/strong><\/h2>\n

\u0110\u00e3 c\u00f3 b\u1ea1n \u0111\u1ecdc xem lo\u1ea1t b\u00e0i B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd – nhi\u1ec1u v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp<\/em> \u0111\u0103ng tr\u00ean Chuy\u00ean \u0111\u1ec1 C\u00f4ng an TPHCM hai s\u1ed1 b\u00e1o tr\u01b0\u1edbc, ph\u1ea3n \u00e1nh \u0111\u1ebfn t\u00f2a so\u1ea1n v\u1ec1 vi\u1ec7c khi vay ti\u1ec1n ng\u00e2n h\u00e0ng th\u00ec b\u1ecb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u mua g\u00f3i BHNT, m\u00e0 n\u1ebfu kh\u00f4ng mua th\u00ec kh\u00f4ng vay ti\u1ec1n \u0111\u01b0\u1ee3c, m\u1eb7c d\u00f9 c\u00f3 h\u1ed3 s\u01a1 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u00f9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd kh\u00e1c. \u201cCoi nh\u01b0 l\u00e0 ph\u00ed vay ti\u1ec1n v\u1eady, nh\u01b0ng t\u00f4i l\u1ea1i kh\u00f4ng ghi \u00e2m..” – Anh T. cho bi\u1ebft. \u0110\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi vi\u1ec7c b\u1ecb o \u00e9p bu\u1ed9c mua g\u00f3i BHNT l\u00fac kh\u00e1ch h\u00e0ng \u0111i vay ti\u1ec1n ng\u00e2n h\u00e0ng, ng\u01b0\u1eddi d\u00e2n c\u1ea7n ghi \u00e2m n\u1ed9i dung \u0111\u00f3 \u0111\u1ec3 l\u00e0m b\u1eb1ng ch\u1ee9ng t\u1ed1 gi\u00e1c sai ph\u1ea1m \u0111\u1ebfn c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng.<\/p>\n

Theo ph\u00e2n t\u00edch c\u1ee7a m\u1ed9t chuy\u00ean gia, vi\u1ec7c \u0111\u00e0o t\u1ea1o, s\u00e1t h\u1ea1ch \u0111\u1ec3 c\u1ea5p ch\u1ee9ng ch\u1ec9 t\u01b0 v\u1ea5n cho nh\u00e2n vi\u00ean BHNT trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y kh\u00e1 l\u1ecfng l\u1ebbo, th\u1eddi gian \u0111\u00e0o t\u1ea1o r\u00fat ng\u1eafn, v\u1ea5n \u0111\u1ec1 gi\u00e1m s\u00e1t h\u1eadu b\u00e1n h\u00e0ng ch\u01b0a \u0111\u1ea1t, trong khi \u0111\u00e2y l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 th\u1ef1c hi\u1ec7n cu\u1ed9c g\u1ecdi ch\u00e0o m\u1eebng v\u1edbi kh\u00e1ch h\u00e0ng sau khi k\u00fd h\u1ee3p \u0111\u1ed3ng BHNT l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c x\u00e1c nh\u1eadn th\u00f4ng tin, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 x\u00e1c nh\u1eadn qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n c\u1ee7a \u0111\u1ea1i l\u00fd tr\u01b0\u1edbc \u0111\u00f3 l\u00e0 \u0111\u00fang, \u0111\u1ee7. \u0110i\u1ec1u n\u00e0y mang t\u00ednh l\u1eadp l\u1edd, gian d\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. V\u00ec v\u1eady, c\u1ea7n ph\u1ea3i si\u1ebft l\u1ea1i t\u1eeb c\u00f4ng t\u00e1c \u0111\u00e0o t\u1ea1o, s\u00e1t h\u1ea1ch \u0111\u1ed1i v\u1edbi t\u01b0 v\u1ea5n vi\u00ean b\u1ea3o hi\u1ec3m v\u00e0 gi\u00e1m s\u00e1t h\u1eadu b\u00e1n h\u00e0ng c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

Li\u00ean quan \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 \u0111\u1ea1i l\u00fd c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m th\u00ec c\u1ea7n th\u1ef1c hi\u1ec7n cu\u1ed9c thanh tra li\u00ean ng\u00e0nh to\u00e0n di\u1ec7n. N\u1ebfu th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y l\u00e0 r\u1ea5t t\u1ed1t, b\u1edfi so v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng c\u00f3 ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n cao h\u01a1n, kh\u1ea3 n\u0103ng hi\u1ec3u v\u1ec1 h\u1ee3p \u0111\u1ed3ng BHNT nhi\u1ec1u h\u01a1n, \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng tin t\u01b0\u1edfng h\u01a1n, nh\u01b0ng l\u1ea1i kh\u00f4ng t\u01b0 v\u1ea5n \u0111\u00fang, l\u1eeba d\u1ed1i kh\u00e1ch h\u00e0ng th\u00ec tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi l\u00e0m sai v\u00e0 k\u1ec3 c\u1ea3 ng\u00e2n h\u00e0ng c\u00e0ng l\u1edbn h\u01a1n \u0111\u1ea1i l\u00fd th\u00f4ng th\u01b0\u1eddng.<\/p>\n

M\u1eb7t kh\u00e1c, c\u1ea7n xem x\u00e9t, y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng t\u00e1ch ri\u00eang b\u1ed9 ph\u1eadn b\u00e1n BHNT \u0111\u1ed9c l\u1eadp v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c. Ho\u1ea1t \u0111\u1ed9ng t\u01b0 v\u1ea5n BHNT cho kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t ch\u1eb7t (qua ghi \u00e2m, ghi h\u00ecnh). \u0110\u1eb7c bi\u1ec7t, kh\u00f4ng n\u00ean b\u00e1n s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 cho kh\u00e1ch h\u00e0ng \u0111ang vay ti\u1ec1n. Ng\u01b0\u1eddi \u0111ang vay ti\u1ec1n n\u00ean ch\u0103ng ch\u1ec9 c\u00f3 th\u1ec3 tham gia kho\u1ea3n vay hay b\u1ea3o hi\u1ec3m t\u1eed k\u1ef3 l\u00e0 ph\u00f9 h\u1ee3p h\u01a1n, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c thanh to\u00e1n n\u1ee3 c\u0169ng nh\u01b0 gi\u1ea3m r\u1ee7i ro cho c\u1ea3 ng\u00e2n h\u00e0ng. H\u01a1n n\u1eefa, vi\u1ec7c l\u1eeba d\u1ed1i khi\u1ebfn kh\u00e1ch h\u00e0ng m\u1ea5t ti\u1ec1n khi b\u1ecf ngang h\u1ee3p \u0111\u1ed3ng BHNT c\u0169ng g\u1ea7n ngang v\u1edbi h\u00e0nh vi l\u1eeba \u0111\u1ea3o, n\u00ean c\u1ea7n x\u1eed ph\u1ea1t nghi\u00eam, th\u1eadm ch\u00ed xem x\u00e9t truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1.<\/p>\n

Nh\u1eefng sai ph\u1ea1m x\u1ea3y ra trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c thanh tra, ch\u1ea5n ch\u1ec9nh s\u1edbm, \u0111\u1ec3 tr\u00e1nh h\u1eadu qu\u1ea3, thi\u1ec7t h\u1ea1i cho kh\u00e1ch h\u00e0ng v\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m l\u1eabn n\u1ec1n kinh t\u1ebf n\u00f3i chung. Ch\u00ednh v\u00ec si\u00eau l\u1ee3i nhu\u1eadn m\u00e0 kh\u00f4ng \u00edt ng\u01b0\u1eddi d\u1ec5 b\u1ea5t ch\u1ea5p t\u1ea5t c\u1ea3, th\u1eadm ch\u00ed vi ph\u1ea1m ph\u00e1p lu\u1eadt, n\u1ebfu t\u1eeb nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec1u “nh\u1eafm m\u1eaft” ch\u1ea1y theo con s\u1ed1 t\u0103ng tr\u01b0\u1edfng v\u1ec1 kh\u00e1ch h\u00e0ng, h\u1ee3p \u0111\u1ed3ng…<\/p>\n

BHNT v\u1ed1n l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m r\u1ea5t nh\u00e2n v\u0103n. Th\u1ebf nh\u01b0ng c\u00f3 m\u1ed9t \u0111i\u1ec1u r\u1ea5t v\u00f4 l\u00fd nh\u01b0ng l\u1ea1i th\u1ef1c t\u1ebf, \u0111\u00f3 l\u00e0 ch\u00ednh s\u00e1ch tr\u1ea3 ph\u00ed hoa h\u1ed3ng cao ng\u1ea5t ng\u01b0\u1edfng, v\u1eady ti\u1ec1n \u1edf \u0111\u1ea7u ra? Th\u01b0\u1eddng nh\u1eefng h\u1ee3p \u0111\u1ed3ng BHNT b\u00e1n qua k\u00eanh ng\u00e2n h\u00e0ng c\u00f3 th\u1eddi gian r\u1ea5t d\u00e0i (t\u1eeb 5 n\u0103m tr\u1edf l\u00ean), t\u00e2m l\u00fd ng\u01b0\u1eddi \u0111i vay v\u1ed1n coi nh\u01b0 m\u1ed9t lo\u1ea1i \u201cph\u00ed” \u0111\u1ec3 vay \u0111\u01b0\u1ee3c ti\u1ebfn n\u00ean h\u1ecd ch\u1ea5p nh\u1eadn, r\u1ed3i b\u1ecf lu\u00f4n h\u1ee3p \u0111\u1ed3ng BHNT \u0111\u00e3 mua. \u1ede \u0111\u00e2y, nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng ch\u1ec9 \u0111\u00f3ng n\u0103m \u0111\u1ea7u ti\u00ean r\u1ed3i b\u1ecf l\u00e0 c\u00f3 th\u1ec3 th\u1ea5y h\u1ecd kh\u00f4ng h\u1ec1 m\u1eb7n m\u00e0 v\u1edbi vi\u1ec7c mua b\u1ea3o hi\u1ec3m v\u00e0 c\u00f3 th\u1ec3 vi\u1ec7c mua b\u1ea3o hi\u1ec3m l\u00e0 kh\u00f4ng ph\u1ea3i do t\u1ef1 nguy\u1ec7n. V\u00ec v\u1eady, c\u1ea7n thanh tra to\u00e0n di\u1ec7n v\u1ec1 ho\u1ea1t \u0111\u1ed9ng b\u1ea3n BHNT c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Nh\u01b0ng h\u00e3y \u0111\u1ec3 ng\u00e0nh b\u1ea3o hi\u1ec3m ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed9c l\u1eadp, d\u00f9 c\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng n\u00ean c\u1ea5m h\u00ecnh th\u1ee9c li\u00ean k\u1ebft v\u1edbi ng\u00e2n h\u00e0ng v\u00ec c\u00f2n c\u00f3 m\u1ed1i li\u00ean h\u1ec7 n\u00e0y th\u00ec s\u1ebd c\u00f2n nhi\u1ec1u bi\u1ebfn t\u01b0\u1edbng, m\u1eb7c d\u00f9 \u0111\u01b0\u1ee3c thanh tra, ki\u1ec3m tra. Ch\u01b0a k\u1ec3 s\u1ebd c\u00f2n nh\u1eefng chuy\u1ec7n b\u1ee9c x\u00fac, nh\u1ee9c nh\u1ed1i trong x\u00e3 h\u1ed9i, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00f4ng \u00edt ng\u01b0\u1eddi kh\u00f3 kh\u0103n \u0111i vay v\u1ed1n ng\u00e2n h\u00e0ng m\u00e0 l\u1ea1i b\u1ecb o \u00e9p bu\u1ed9c mua BHNT l\u00e0 ho\u00e0n to\u00e0n m\u1ea5t t\u00ednh nh\u00e2n v\u0103n.<\/p>\n

(C\u00f2n ti\u1ebfp)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

B\u00e0i vi\u1ebft g\u1ed1c: B\u00e0i cu\u1ed1i: Y\u00eau c\u1ea7u ch\u1ea5n ch\u1ec9nh to\u00e0n di\u1ec7n B\u00e0i Cu\u1ed1i: Y\u00eau C\u1ea7u Ch\u1ea5n Ch\u1ec9nh To\u00e0n Di\u1ec7n Trong n\u0103m 2023, b\u00ean c\u1ea1nh vi\u1ec7c kh\u1ea9n tr\u01b0\u01a1ng ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m, B\u1ed9 T\u00e0i ch\u00ednh s\u1ebd ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n thanh tra, ki\u1ec3m tra chuy\u00ean \u0111\u1ec1 b\u00e1n b\u1ea3o hi\u1ec3m […]<\/p>\n","protected":false},"author":55,"featured_media":86238,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[],"tags":[],"_links":{"self":[{"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/posts\/86215"}],"collection":[{"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/users\/55"}],"replies":[{"embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/comments?post=86215"}],"version-history":[{"count":3,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/posts\/86215\/revisions"}],"predecessor-version":[{"id":86276,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/posts\/86215\/revisions\/86276"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/media\/86238"}],"wp:attachment":[{"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/media?parent=86215"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/categories?post=86215"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/tags?post=86215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}