Bất cập trong pháp luật điều chỉnh tổ chức, hoạt động của tổ chức tín dụng với việc hạn chế rủi ro tín dụng hiện nay

BAT CAP TRONG PHAP LUAT DIEU CHINH TO CHU'C,

HOAT DONG CUA Td CHU'C TIN DWfG vOl VIEC

HAN cut RUI RO TIN DUNG HIEN NAY

Pham Thi Giang Thu'

Tom t3t: Trong th&L gian qua, phdp lugt diiu chinh td chiic, hoat dong cm to chuc

tin dung nhdm hgn che rui ro tin dung con nhiiu ke ha. Vi4c cdp tin dung cho khdch

hdtlg, xdc dinh ca sa, trinh tu cdp tin dung vd quan ly tin dung, trdch nhiem cua cdc chu

the doi vai hogt dong cdp tin d^ng dd duac phdp lugt auy dinh nhung vdn con nhiSu ngi

dung cdn tiep tuc ddnh gid dS sica doi, bo sung. Bdi viit de cgp cdc noi dung ca bdn sau:

Khdch hdng dgc biet ciia to chiic tin dttng, dd Id "ngu&i lien quan" v&i td chUc cdp tin

dyng; cdc quy dinh phdp lugt diiu chinh true tiip hogt dgng cdp tin dung cho khdch

hdng; ca sa thvc hien hogt d^ng cap tin dung vd qudn ly rui ro tin dung ngi bo; qudn tri

vd Hgi dong qudn tri lien qugn den cong tdc cdp tin dvng vd qudn ly riii ro tin dung;

hogt dgng cdp tin dung vd qudn tri ritt ro tin dung; ca cdu lgi khodn na vd thu hoi ng.

Abstract: Recently, law and regulation on the organisation and activities of credit

organisations contain loopholes. Credit provision to customers and ground

determination, process and management of and responsibility of stakeholders relating to

such credit provision have been stipulated but are in need of being reviewed and

improved. This article discusses the following issues: special customers of credit

organisations, i.e. credit organisation related persons; law and regulation on credit

provision; grounds of credit provision and internal management of credit provision

risks; roles of the board of managers with respect to credit provision and relevant risk

management; restructure of debt and debt collection.

1. v l "ngirM liSn quan" "t5 chijtc tin d\ing sa hiiu trSn 50% v6n

Biem b khoan 1 Didu 2 LuSt cac T5 <Iieu I? lioSc ttia 50% v6n cA phin co

chile tin dpig 2010 quy dinh cdc ta chile tin quyen bilu quylt; t6 chilo tin dung co

dung g6m co td chile tin dung va c6ng ty quy^n tivc tilp hoic giin tilp b6 nhiem da

con eua t6 chile tin dung. NOi dung nay Hen s6 ho^c tit ca thanh vien Hpi dong quan tri,

quan din thim quyln thanh tra cua eo quan Hpi dong thinh vien hoac Tong giim d6c

thanh tra giim sit d6i voi cdc cong ty con, (Giim die) cua eong ty con; t6 chuc tin

c6ng ty niem yit. Dilu 4 Lu§t cic T6 chuc dung c6 quyln sila dSi, hh sung dilu 1$ cua

tin d\mg quy dinh vl eong ty lien kit (khoan cSng ty con; tl chile tin dung va agabi eo

29) vi c6ng ty con (khoin 30), Dilu 103 vi lien quan cCia tl ehiic tin dung trvc tilp hay

Dilu 110 quy dinh eong ty eon, cdng ty lien gi ^ t'lp Wlm soit vi?c th6ng qua nghi

ket dli vdi ngan hang thucmg mai, cong ty quylt, quyet dinh eua Dai hOi ding c5

tii chinh. Cic cong ty con li c6ng ty cua "Jong, Hpi dong quin tri, H$i d6ng thanh

vien cua c6ng ty con". Nlu xet theo quy

• PGS.TS., Truimg Dji h(,c Lujt Hi Wi. '^V'b, s6 lupng nhom eong ty con, cong ty

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