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^ B n N H N G Q C
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P dc du Thdng tit08/2007/TTLT-
NHNN-BCA-BTP dUdc ban hdnh dd cho ra ddt mdt cd chd thu hdl nd rieng biet cho cdc Cty eho thue tdi chmh Tuy nhien, khi trien khai vdn con nhieu diem vUdng cdn thdo gd. Ddy cung Id npl dung buoi tpa ddm 'Gidi phdp phdp luat ve thu hdl tdi sdn Cty tdi chinh" md Bp TU phdp Ban Qudn li ehUdng trinh 585 phdt hdp cung vdi Hiep hot Cho thue tdi chinh vUa td chUc.
Tfii sdn ciia m i n h , t h u v i n khd
Gidm ddc Cty Cho thud tdi chinh Ngan hang thtfPng m^i cd phdn Sdi Gdn Thtfdng Tin Nguyen Van Thanh p h a n tich, khi rdi ro tin dung p h a t sinh, tai khodn 5, muc 11, Thdng ttf 08 quy d}nb: "Bdn cho thud cd quydn thu hdl tdi sdn cho thud ngay kbl cd du didu kifn quy d}nh tai khodn 4 thdng ttf nay, md khdng cdn chd phdn quyet cua tda dn". Day cung la quy d}nh tai didm a, khodn 9 Nghi d}nh 65/2005/ND-CP vdi cum td
"thu hdl ngay lap ttfc" Tuy nhidn, t^l diem a, khodn 7 muc II cda thdng ttf ndy Iai quy d}nh, sau 30 ngdy kd td ngdy thdng bdo mdi dUtfc thu hdl. Quy dinh ndy ddn ddn trdn thyc td, khi Cty cho thud tdi chinh dl kidm tra phdt hifn bdn thud dd bd trdn, DN khdng cd ngtfdi qudn Ii.
A ' I I M ?
i tai san cho thue tai chin!)
mdt sd tai sdn da b} di ddi ra khdi nhd xtfdng nhvfng ndu thu hdi thi vi p h a m p h a p ludt ma khdng thu hdl thi b} m a t tdi sdn.
Hdn t h e , vifc de thdi gian thu hdl sau 30 ngdy ke td ngdy thdng bdo dd ddn den linh trang khdch hdng tau tan tdl sdn thue.
Sang d e n vide thu hdl tdi sdn cung lal Id mdt chuyen khdng dd. Hdu bet cdc Cty cho thud tai chinh ddu cho rdng cac cP quan chinh quydn, cdng an va cd quan thl h a n h a n deu thd d vdi cdng vifc "hd trp Cty cho thue tai chinh, ddm bdo an ninh trat ty trong qud trinh thu hdl tdl sdn thud". Gidm ddc Cty cho thud tdi chinh NHTMCP Ngoal thypng Nguyen Minh Sdu, n h a n manh:
"Cdc cd quan ndy khdng hd trp vdi li do khdng thude t h a m quyen mac du Cty cho thud tai chinh da cung cap ddy dd bd sP kem theo cdc van bdn phdp luat cd lidn quan" Vi vay, khi thu bdi tai sdn vdng mat ben thud, cdc bdn lidn quan ddu khdng ki vd dypng nhidn vifc thu hdi tai sdn khdng the tidn hdnh. Dd Id chtfa ke chuyen cac cd quan nay khdng hdp tdc, bdi chinh quyen dia phtfdng lo ngai cd the dan tdl vifc DN ngdng boat ddng, mdt bd p h a n lao ddng mat wee Idm dnh htfdng den an sinh xa hdl d}a phtfPng...
Trtfdng hpp khdng the thu bdi dtfpc, bifn p h a p cudi cung Id nhd tda dn phdn xet. Tdng gidm ddc Cty Cho thue tdi chinh Qudc td Vift Nam Kim Byung Sun cho
bidt, vide kien ra tda, ket qud la Cty cho thud tdl chinh ludn thdng kifn. Song khodng thdi gian de hodn tat vifc xd kifn vd cd quyet d}nh cua tda cung Id thdi gian khd k h a n de Cty bdo toan dtfpc tdi sdn cua minh ma khdng b} mat mdt. Bdi trong thdi gian nay khdch hdng cd the tau t a n tai san bdng vtfc bdn hoac glau di ndi khac. Hdn the, khi tdi sdn khdng cdn thi Cty cung khdng the yeu cau cdc cd quctn thl hdnh dn thi hdnh bdn a n vd neu cd ydu cdu, cd quan thi h a n h dn se trd Idl "khdng cd trdch nhifm xdc minh tdl sdn, khdng cd trach nhifm truy thu tai sdn cung nhtf ydu cdu ngtfdi thd 3 trao trd tai sdn cho Cty cho thud tai chinh..." Dd la chtfa ke thdi gian thtfc thl mdt bdn an cd the keo ddi nhieu nam. Ong Vu The Vac, Vu trtfdng Vu phap
chd NHNN dtfa ra mdt vi du: Cty cho thud tai chinh Kexlm Vift Nam cd mdt bdn dn dtfdc xd td n a m 2000 den nay chtfa dtfpc thtfc thi. Didu nay cho thay, trach nhidm cua cac cP quan thl h a n h an, chinh quyen d}a phypng, cdng an vd cung quan trpng trong cdng tac thu hdl tdl s a n cho thud tai chinh vd kbl cdc cP quan ndy khdng hpp tdc, Cty cho thud tdi chinh khdng the thyc thi cdng vifc ndy trdi chdy.
c i n phfin dinh t r d c h n h i ^ m rd rfing vfi ciji thi
Dd Id dieu md Vu tnfdng Vy Phdp chd Dfin sy-Klnh td, Phd tnfdng b a n chi dao
TMmGMII Stf 20/2011 123
PHJiP lUAT - AM NINM THDONG MAI
chypng trinh hd trp p h a p Ii lien nganh d a n h cho DN giai doan 2010 2014 (chypng trinh 585) Dydng Dang Huf n h a n m a n h sau khi nghe nhdng bdc xuc eda eae Cty cho thue tai chinh. Mac du chi la mdt van b a n t h a p n h a t trong hf thdng cac van b a n phap Ii, nhifng cac Cty cbo thud tai chinh cbo rang, de cdng tac thu hdi n p dtfdc t h u a n Ipi thi cd the khdp cac h a n h vl cda b e n thud nhtf tau tan, ban, khdng cho thu hdi tai sdn vao tdl chiem doat tdi s a n vd xem day nhtf mdt h a n h vi vl p h a m p h a p luat Hinh sy. Trdn cd sd dd, cd quan thyc thl p h a p luat cd the n h a n h chdng ctfdng che, khdi td vu an.
Hdn t h e , edn p h a n d}nh rd t r a c h nhidm cua cac cd quan tham gia thu hdl xd li tai s a n trong dd trdch nhifm cu the cua Cty cbo thud tai chinh, cdng an chinh quydn d}a phtfdng va cac cd quan b a n b chinh, t r a n h ndi chung chung hai chd "hd trd"
nhtf trong Thdng ttf 08. Cd nhtf vay, cdng tac thu hdi tdi sdn cda Cty cho thud tdi chinh mdi n h a n dtfpc bd trp thyc sy cda cac cd quan lidn quan. Thdi gian b a n tai sdn cung can dypc ndi rdng td cham n h a t sau kbl thu hdi la 60 ngdy n a n g Idn td 4 d e n 6 thdng. Tham chi la dai hPn n h a t la vdi nhdng tai sdn gid tri Idn n h y tdu thuy, may mdc thiet b}.
Ddng thdi, cdn ddm bdo quydn ldi chu sd hdu hdn ntfa cbo Cty cho thud tdl chinh trong tnfdng hdp cd "ben thd 3 gitf tdl sdn cho thud Id ngtfdi chiem hiiu khdng cd cdn ctf nhifng ngay tinh" Thdm chi mdt dai difn cda Cty cho thud tdi chinh Ngdn hang Ndng nghifp vd Phdt trien
2 4 ! THMNCMfl Stf 20/2011
ndng thdn Viet Nam cdn cbo rang, diem h trong khodn 7 eda Thdng ttf 0 8 la mdt btfdc di tut ldi. Bdi rd rang tdi s a n la eda Cty cbo thud tai chinh va bdn thd 3 du ngay tinh thi cung la ndm gitf khdng hdp p h a p . Trong kbl do, theo quyet d}nh nay Cty cho thud tai chinh mudn thu hdi tai sdn lai phdi
khdi kien ra tda va chd b a n a n hoac quydt dutb cd hifu Itfc cda tda a n mdi cd the thu bdi dypc tai sdn. Cbya ke trtfdng hdp bdn thtf 3 khdi kifn bdn cbo thud khidn tda dn quydt d}nh dp dung bifn phdp k h a n cap t a m ddi vdi tdl sdn thud khidn Cty cbo thue tai chinh khdng the thu bdi tai sdn. Day cung la 11 do Gidm ddc Cty cho thud tdi chinh Ngdn h a n g A Chdu, Chau Nguyen Quang Hien cho rdng, cdn bd sung ndi dung "tda dn b a n h a n h ngay quyet d}nh huy bd Quyet d}nh dp dung b i f n p h d p k h a n cap t a m thdi (kd bidn tdi sdn) neu cd chdng cd chdng minh tdi sdn dang t r a n h c h a p thupc quyen sd hdu hpp phdp cua b e n cho thud.
Theo dng Vu The Vdc, tdi ddy 3 bd se xem xet sda ddi Thdng ty 08 cho phu hpp vdi nhiing van
Anh mang tinh chai minh hoa.
b a n phdp luat mdi. Didu do co nghia nhdng nut that trong boat ddng thu hdl tai sdn cho thue tdl chinh se dtfpc thdo gd. Tuy nhidn, t h a o dtfpc d e n dau phu thupc vao chinh cdc ddi ttfdng cb}u stf didu chinh cda thdng ttf la cdc Cty cho thud tdl chinh.
Ong Dtfdng Dang Huf, nhan m a n h , Hlfp bdi cho thud tai chinh khdng chi ndu ra nhdng khd k h a n cu thd, ma quan trpng bPn cd Id phdi dtfa ra dddc nhiing gldl phdp de thdo gd ddng gdp vdo vifc s d a ddi thdng ttf.
Dieu n a y cung ddng nghla, se cdn nhieu hdl thdo de hda gldl van de nay. Vd nhtf dng Hud ndi cd the thdng ttf n a y se rdt dai chd khdng chi id ndu ra vai nguydn tdc song cdng cu the, chl tiet bao nhidu, cdng tdc thu hdl tdi sdn cho thue tdi chinh se dd ddng bdy nhidu khi cd hdnh lang p h a p Ii ttfdng trp •
