{"id":665,"date":"2026-03-04T21:41:30","date_gmt":"2026-03-04T14:41:30","guid":{"rendered":"https:\/\/newsyz.com\/?p=665"},"modified":"2026-03-04T21:41:30","modified_gmt":"2026-03-04T14:41:30","slug":"chu-tk-dot-ngot-quadoi-ngan-hang-se-xu-li","status":"publish","type":"post","link":"https:\/\/newsyz.com\/index.php\/2026\/03\/04\/chu-tk-dot-ngot-quadoi-ngan-hang-se-xu-li\/","title":{"rendered":"ch\u1ee7 tk \u0111\u1ed9t ng\u1ed9t quadoi, ng\u00e2n h\u00e0ng s\u1ebd x\u1eed l\u00ed …"},"content":{"rendered":"

Kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng \u0111\u1ed9t ng\u1ed9t qua \u0111\u1eddi nh\u01b0ng ng\u01b0\u1eddi th\u00e2n kh\u00f4ng\u00a0bi\u1ebft s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a ng\u01b0\u1eddi \u0111\u00e3 m\u1ea5t l\u00e0 bao nhi\u00eau. Li\u1ec7u ng\u00e2n h\u00e0ng c\u00f3 ho\u00e0n tr\u1ea3 cho ng\u01b0\u1eddi th\u00e2n hay kh\u00f4ng? N\u1ebfu y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng ho\u00e0n tr\u1ea3 th\u00ec th\u1ee7 t\u1ee5c s\u1ebd nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

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Nhi\u1ec1u \u0111\u1ed9c gi\u1ea3 c\u1ee7a VietNamNet b\u00e0y t\u1ecf s\u1ef1 quan t\u00e2m v\u1ec1 vi\u1ec7c s\u1ed1 d\u01b0 trong\u00a0t\u00e0i kho\u1ea3n thanh to\u00e1n<\/a>\u00a0c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng x\u1eed l\u00fd ra sao trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng may qua \u0111\u1eddi.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi VietNamNet, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c c\u00f4ng ty Lu\u1eadt ANVI – cho hay, tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng qua \u0111\u1eddi v\u00e0 c\u00f3 s\u1ed1 d\u01b0 trong t\u00e0i kho\u1ea3n thanh to\u00e1n, n\u1ebfu ng\u01b0\u1eddi th\u1eeba k\u1ebf theo lu\u1eadt kh\u00f4ng y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng tr\u1ea3 l\u1ea1i, ho\u1eb7c kh\u00f4ng \u0111\u00e1p \u1ee9ng c\u00e1c th\u1ee7 t\u1ee5c v\u1ec1 quy\u1ec1n th\u1eeba k\u1ebf, s\u1ed1 ti\u1ec1n n\u00e0y s\u1ebd \u201cv\u0129nh vi\u1ec5n b\u1ecb treo l\u1ea1i\u201d.<\/p>\n

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\u201cV\u1edbi quy \u0111\u1ecbnh v\u1ec1 th\u1eddi hi\u1ec7u quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n s\u1ebd v\u0129nh vi\u1ec5n b\u1ecb treo trong t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/p>\n

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\"AB<\/picture><\/figure>\n

\n\u1ea2nh minh h\u1ecda: Nam Kh\u00e1nh<\/em><\/figcaption><\/figure>\n

\u0110i\u1ec1u 236 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u1ec1 vi\u1ec7c cho ph\u00e9p x\u00e1c l\u1eadp quy\u1ec1n s\u1edf h\u1eefu theo th\u1eddi hi\u1ec7u quy \u0111\u1ecbnh nh\u01b0 sau: \u201cNg\u01b0\u1eddi chi\u1ebfm h\u1eefu, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c l\u1ee3i v\u1ec1 t\u00e0i s\u1ea3n kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt nh\u01b0ng ngay t\u00ecnh, li\u00ean t\u1ee5c, c\u00f4ng khai trong th\u1eddi h\u1ea1n 10 n\u0103m \u0111\u1ed1i v\u1edbi \u0111\u1ed9ng s\u1ea3n, 30 n\u0103m \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec tr\u1edf th\u00e0nh ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n \u0111\u00f3, k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u chi\u1ebfm h\u1eefu, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p b\u1ed9 lu\u1eadt n\u00e0y, lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d.<\/p>\n

Nh\u01b0 v\u1eady, c\u0103n c\u1ee9 theo c\u00e1c quy \u0111\u1ecbnh tr\u00ean c\u1ee7a ph\u00e1p lu\u1eadt, \u0111\u1ec3 x\u00e1c l\u1eadp quy\u1ec1n s\u1edf h\u1eefu theo th\u1eddi hi\u1ec7u c\u1ea7n ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u01b0 sau:<\/p>\n

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Vi\u1ec7c chi\u1ebfm h\u1eefu t\u00e0i s\u1ea3n kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt nh\u01b0ng ph\u1ea3i ngay t\u00ecnh, t\u1ee9c l\u00e0 ng\u01b0\u1eddi chi\u1ebfm h\u1eefu kh\u00f4ng bi\u1ebft ho\u1eb7c kh\u00f4ng th\u1ec3 bi\u1ebft vi\u1ec7c chi\u1ebfm h\u1eefu t\u00e0i s\u1ea3n \u0111\u00f3 l\u00e0 kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt; vi\u1ec7c chi\u1ebfm h\u1eefu t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong m\u1ed9t th\u1eddi gian m\u00e0 kh\u00f4ng c\u00f3 tranh ch\u1ea5p (chi\u1ebfm h\u1eefu li\u00ean t\u1ee5c); vi\u1ec7c chi\u1ebfm h\u1eefu \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch minh b\u1ea1ch, kh\u00f4ng gi\u1ea5u gi\u1ebfm (chi\u1ebfm h\u1eefu c\u00f4ng khai); th\u1eddi gian ph\u1ea3i l\u00e0 10 n\u0103m \u0111\u1ed1i v\u1edbi \u0111\u1ed9ng s\u1ea3n v\u00e0 30 n\u0103m \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

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Do \u0111\u00f3, vi\u1ec7c x\u00e1c l\u1eadp quy\u1ec1n s\u1edf h\u1eefu theo th\u1eddi hi\u1ec7u \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi chi\u1ebfm h\u1eefu kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u01b0 n\u00eau tr\u00ean \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn.<\/p>\n

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Theo \u0111\u1ea1i di\u1ec7n m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n, th\u1ef1c t\u1ebf t\u1ea1i ng\u00e2n h\u00e0ng hi\u1ec7n nay s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 ch\u1ebft, t\u00e0i kho\u1ea3n \u201cng\u1ee7 qu\u00ean\u201d (t\u00e0i kho\u1ea3n kh\u00f4ng ph\u00e1t sinh giao d\u1ecbch ch\u1ee7 \u0111\u1ed9ng trong th\u1eddi h\u1ea1n quy \u0111\u1ecbnh c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng) v\u1eabn \u0111\u01b0\u1ee3c \u201ctreo\u201d l\u1ea1i.<\/p>\n

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\u201cG\u1ecdi l\u00e0 treo v\u0129nh vi\u1ec5n nh\u01b0ng th\u1ef1c t\u1ebf s\u1ebd \u0111\u01b0\u1ee3c tr\u1eeb d\u1ea7n v\u00e0o ph\u00ed qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n cho \u0111\u1ebfn khi h\u1ebft ti\u1ec1n th\u00ec th\u00f4i\u201d, \u0111\u1ea1i di\u1ec7n ng\u00e2n h\u00e0ng th\u00f4ng tin.<\/p>\n

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V\u1ecb \u0111\u1ea1i di\u1ec7n n\u00e0y cho r\u1eb1ng, b\u1ea5t c\u1eadp hi\u1ec7n nay khi m\u1edf t\u00e0i kho\u1ea3n l\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng \u0111i\u1ec1n th\u00f4ng tin v\u1ec1 ng\u01b0\u1eddi th\u00e2n\/ng\u01b0\u1eddi th\u1eeba k\u1ebf, n\u00ean khi t\u00e0i kho\u1ea3n \u201cng\u1ee7 qu\u00ean\u201d trong th\u1eddi gian d\u00e0i ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng th\u1ec3 li\u00ean h\u1ec7 v\u1edbi ng\u01b0\u1eddi th\u00e2n\/ng\u01b0\u1eddi th\u1eeba k\u1ebf.<\/p>\n

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\u201cNgo\u00e0i ra, form (m\u1eabu) m\u1edf t\u00e0i kho\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 m\u1ee5c ghi th\u00f4ng tin b\u00e1o cho ng\u01b0\u1eddi th\u1eeba k\u1ebf\/ng\u01b0\u1eddi th\u00e2n… \u0111\u1ed3ng th\u1eddi, ch\u01b0a c\u00f3 quy \u0111\u1ecbnh trong tr\u01b0\u1eddng h\u1ee3p m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh (c\u00f3 th\u1ec3 l\u00e0 6 th\u00e1ng ho\u1eb7c 1 n\u0103m) t\u00e0i kho\u1ea3n \u1edf tr\u1ea1ng th\u00e1i kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng, ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i g\u1eedi tin nh\u1eafn\/th\u01b0 \u0111\u1ea3m b\u1ea3o th\u00f4ng b\u00e1o cho ng\u01b0\u1eddi th\u00e2n v\u1ec1 vi\u1ec7c \u0111\u00f3ng t\u00e0i kho\u1ea3n\/phong t\u1ecfa t\u00e0i kho\u1ea3n kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng\u201d, \u0111\u1ea1i di\u1ec7n c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i n\u00f3i.<\/p>\n

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Theo quy \u0111\u1ecbnh hi\u1ec7n nay c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng, t\u00e0i kho\u1ea3n \u201cng\u1ee7 qu\u00ean\u201d t\u1eeb 6-48 th\u00e1ng, n\u1ebfu s\u1ed1 d\u01b0 b\u1eb1ng 0 ho\u1eb7c th\u1ea5p h\u01a1n s\u1ed1 d\u01b0 t\u1ed1i thi\u1ec3u s\u1ebd b\u1ecb ng\u00e2n h\u00e0ng kho\u00e1 l\u1ea1i.<\/p>\n

Do v\u1eady, d\u00f9 t\u00e0i kho\u1ea3n \u1edf tr\u1ea1ng th\u00e1i \u201cng\u1ee7 qu\u00ean\u201d nh\u01b0ng v\u1eabn c\u00f2n s\u1ed1 d\u01b0, ng\u00e2n h\u00e0ng s\u1ebd ti\u1ebfp t\u1ee5c duy tr\u00ec t\u00e0i kho\u1ea3n v\u00e0 tr\u1eeb ph\u00ed qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n theo \u0111\u1ecbnh k\u1ef3, ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n \u201cng\u1ee7\u201d cho \u0111\u1ebfn khi s\u1ed1 d\u01b0 b\u1eb1ng 0.<\/p>\n

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\u0110i\u1ec1u 623 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 v\u1ec1 \u201cTh\u1eddi hi\u1ec7u th\u1eeba k\u1ebf\u201d:<\/strong><\/p>\n

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\u201c1. Th\u1eddi hi\u1ec7u \u0111\u1ec3 ng\u01b0\u1eddi th\u1eeba k\u1ebf y\u00eau c\u1ea7u chia di s\u1ea3n l\u00e0 30 n\u0103m \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n, 10 n\u0103m \u0111\u1ed1i v\u1edbi \u0111\u1ed9ng s\u1ea3n, k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m m\u1edf th\u1eeba k\u1ebf. H\u1ebft th\u1eddi h\u1ea1n n\u00e0y th\u00ec di s\u1ea3n thu\u1ed9c v\u1ec1 ng\u01b0\u1eddi th\u1eeba k\u1ebf \u0111ang qu\u1ea3n l\u00fd di s\u1ea3n \u0111\u00f3. Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 ng\u01b0\u1eddi th\u1eeba k\u1ebf \u0111ang qu\u1ea3n l\u00fd di s\u1ea3n th\u00ec di s\u1ea3n \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft nh\u01b0 sau:<\/p>\n

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a) Di s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a ng\u01b0\u1eddi \u0111ang chi\u1ebfm h\u1eefu theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 236 c\u1ee7a b\u1ed9 lu\u1eadt n\u00e0y;<\/p>\n

b) Di s\u1ea3n thu\u1ed9c v\u1ec1 Nh\u00e0 n\u01b0\u1edbc, n\u1ebfu kh\u00f4ng c\u00f3 ng\u01b0\u1eddi chi\u1ebfm h\u1eefu quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m a kho\u1ea3n n\u00e0y\u201d.<\/p>\n<\/div>\n

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\"Mu\u1ed1n<\/picture><\/a><\/article>\n
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Mu\u1ed1n r\u00fat 600.000 \u0111\u1ed3ng t\u1eeb t\u00e0i kho\u1ea3n ng\u01b0\u1eddi th\u00e2n qua \u0111\u1eddi, m\u1ea5t 2 tri\u1ec7u ph\u00ed c\u00f4ng ch\u1ee9ng<\/a><\/h3>\n

Th\u1ee7 t\u1ee5c r\u00fat ti\u1ec1n t\u1eeb s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u00e2n \u0111\u00e3 qua \u0111\u1eddi \u0111\u00f2i h\u1ecfi ng\u01b0\u1eddi th\u1eeba k\u1ebf ph\u1ea3i chi \u0111\u1ebfn 2 tri\u1ec7u \u0111\u1ed3ng ph\u00ed c\u00f4ng ch\u1ee9ng gi\u1ea5y t\u1edd. M\u1ee9c ph\u00ed n\u00e0y khi\u1ebfn ng\u01b0\u1eddi nh\u00e0 \u0111\u00e0nh b\u1ecf cu\u1ed9c do s\u1ed1 d\u01b0 kh\u00f4ng \u0111\u1ee7 l\u1edbn.<\/p>\n<\/div>\n<\/article>\n

\"Kh\u00e1ch<\/picture><\/a><\/p>\n
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Kh\u00e1ch h\u00e0ng qua \u0111\u1eddi, ng\u00e2n h\u00e0ng tr\u1ea3 l\u1ea1i ti\u1ec1n trong t\u00e0i kho\u1ea3n th\u1ebf n\u00e0o?<\/a><\/h3>\n

Tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 t\u00e0i kho\u1ea3n m\u1ea5t ho\u1eb7c h\u1ea1n ch\u1ebf n\u0103ng l\u1ef1c h\u00e0nh vi, s\u1ed1 d\u01b0 s\u1ebd \u0111\u01b0\u1ee3c chi tr\u1ea3 cho ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt ho\u1eb7c ng\u01b0\u1eddi gi\u00e1m h\u1ed9 theo quy \u0111\u1ecbnh.<\/p>\n<\/div>\n<\/article>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng \u0111\u1ed9t ng\u1ed9t qua \u0111\u1eddi nh\u01b0ng ng\u01b0\u1eddi th\u00e2n kh\u00f4ng\u00a0bi\u1ebft s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a ng\u01b0\u1eddi \u0111\u00e3 m\u1ea5t l\u00e0 bao nhi\u00eau. Li\u1ec7u ng\u00e2n h\u00e0ng c\u00f3 ho\u00e0n tr\u1ea3 cho ng\u01b0\u1eddi th\u00e2n hay kh\u00f4ng? N\u1ebfu y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng ho\u00e0n tr\u1ea3 th\u00ec th\u1ee7 t\u1ee5c s\u1ebd nh\u01b0 th\u1ebf n\u00e0o?     Nhi\u1ec1u […]<\/p>\n","protected":false},"author":1,"featured_media":662,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chua-phan-loai"],"_links":{"self":[{"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/posts\/665","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/comments?post=665"}],"version-history":[{"count":1,"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/posts\/665\/revisions"}],"predecessor-version":[{"id":666,"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/posts\/665\/revisions\/666"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/media\/662"}],"wp:attachment":[{"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/media?parent=665"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/categories?post=665"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsyz.com\/index.php\/wp-json\/wp\/v2\/tags?post=665"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}