{"id":1330,"date":"2026-03-17T12:21:47","date_gmt":"2026-03-17T11:21:47","guid":{"rendered":"https:\/\/kecser.tasnadi.group\/?p=1330"},"modified":"2026-03-17T12:21:47","modified_gmt":"2026-03-17T11:21:47","slug":"ceges-bankszamla-nyitasa-jogi-kotelezettseg-es-gyakorlati-tudnivalok","status":"publish","type":"post","link":"https:\/\/kecser.tasnadi.group\/vi\/ceges-bankszamla-nyitasa-jogi-kotelezettseg-es-gyakorlati-tudnivalok","title":{"rendered":"M\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng doanh nghi\u1ec7p: ngh\u0129a v\u1ee5 ph\u00e1p l\u00fd v\u00e0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft v\u1ec1 m\u1eb7t th\u1ef1c ti\u1ec5n"},"content":{"rendered":"

Ngh\u0129a v\u1ee5 m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng<\/b><\/h2>\n

Vi\u1ec7c \u0111\u0103ng k\u00fd t\u1ea1i T\u00f2a \u00e1n \u0110\u0103ng k\u00fd Doanh nghi\u1ec7p l\u00e0 m\u1ed9t b\u01b0\u1edbc quan tr\u1ecdng trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p, tuy nhi\u00ean, \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p v\u00e0 su\u00f4n s\u1ebb, doanh nghi\u1ec7p c\u00f2n ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c. Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, ph\u00e1p nh\u00e2n trong n\u01b0\u1edbc ph\u1ea3i c\u00f3 t\u00e0i kho\u1ea3n thanh to\u00e1n trong n\u01b0\u1edbc. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty, vi\u1ec7c c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 l\u00e0 v\u1ea5n \u0111\u1ec1 th\u1ef1c ti\u1ec5n m\u00e0 c\u00f2n l\u00e0 ngh\u0129a v\u1ee5 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Do \u0111\u00f3, vi\u1ec7c ch\u1eadm tr\u1ec5 ho\u1eb7c kh\u00f4ng m\u1edf t\u00e0i kho\u1ea3n c\u00f3 th\u1ec3 g\u00e2y ra nh\u1eefng v\u1ea5n \u0111\u1ec1 th\u1ef1c ti\u1ec5n v\u00e0 ph\u00e1p l\u00fd nghi\u00eam tr\u1ecdng trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty.<\/span><\/p>\n

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Ng\u00e2n h\u00e0ng c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i m\u1edf t\u00e0i kho\u1ea3n kh\u00f4ng?<\/b><\/h2>\n

Trong th\u1ef1c t\u1ebf, c\u00e2u h\u1ecfi th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0: n\u1ebfu ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh doanh nghi\u1ec7p ph\u1ea3i c\u00f3 t\u00e0i kho\u1ea3n thanh to\u00e1n, th\u00ec li\u1ec7u ng\u00e2n h\u00e0ng c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi doanh nghi\u1ec7p \u0111\u00f3 hay kh\u00f4ng. C\u00e2u tr\u1ea3 l\u1eddi ng\u1eafn g\u1ecdn l\u00e0: \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p, kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 m\u1edf t\u00e0i kho\u1ea3n m\u1ed9t c\u00e1ch chung chung v\u00e0 b\u1eaft bu\u1ed9c.<\/span><\/p>\n

Do \u0111\u00f3, ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n d\u1ef1a tr\u00ean c\u00e1c quy \u0111\u1ecbnh n\u1ed9i b\u1ed9, c\u00e1c ti\u00eau ch\u00ed qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 ngh\u0129a v\u1ee5 x\u00e1c minh kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. Do \u0111\u00f3, c\u00f3 th\u1ec3 x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c, ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u th\u00eam c\u00e1c t\u00e0i li\u1ec7u ho\u1eb7c trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, t\u1eeb ch\u1ed1i k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t th\u01b0\u1eddng x\u1ea3y ra khi c\u01a1 c\u1ea5u s\u1edf h\u1eefu ph\u1ee9c t\u1ea1p, kh\u00f3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ch\u1ee7 s\u1edf h\u1eefu th\u1ef1c s\u1ef1 ho\u1eb7c c\u00f3 s\u1ef1 tham gia c\u1ee7a c\u00e1c \u0111\u1ed1i t\u00e1c n\u01b0\u1edbc ngo\u00e0i trong c\u00f4ng ty.<\/span><\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 \u0111\u00e1nh gi\u00e1 n\u1ec1n t\u1ea3ng c\u1ee7a c\u00f4ng ty v\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c m\u00e0 c\u00f2n t\u1eeb g\u00f3c \u0111\u1ed9 r\u1ee7i ro. C\u1ea5u tr\u00fac s\u1edf h\u1eefu ho\u1eb7c ho\u1ea1t \u0111\u1ed9ng c\u00e0ng ph\u1ee9c t\u1ea1p, th\u00ec kh\u1ea3 n\u0103ng c\u1ea7n ph\u1ea3i cung c\u1ea5p h\u1ed3 s\u01a1 chi ti\u1ebft h\u01a1n v\u00e0 ti\u1ebfn h\u00e0nh th\u1ea9m \u0111\u1ecbnh l\u00e2u h\u01a1n c\u00e0ng cao.\u00a0\u00a0<\/span><\/p>\n

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C\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/b><\/h2>\n

C\u00e1c t\u00e0i li\u1ec7u v\u00e0 y\u00eau c\u1ea7u c\u1ea7n thi\u1ebft \u0111\u1ec3 m\u1edf t\u00e0i kho\u1ea3n c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo t\u1eebng ng\u00e2n h\u00e0ng, tuy nhi\u00ean, n\u00f3i chung, c\u1ea7n c\u00f3 gi\u1ea5y t\u1edd t\u00f9y th\u00e2n c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n \u0111\u1ea1i di\u1ec7n, c\u00f9ng v\u1edbi m\u1eabu ch\u1eef k\u00fd \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng vi\u00ean ch\u1ee9ng th\u1ef1c ho\u1eb7c m\u1eabu ch\u1eef k\u00fd \u0111\u01b0\u1ee3c lu\u1eadt s\u01b0 x\u00e1c nh\u1eadn. Ngo\u00e0i ra, c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a c\u00f4ng ty c\u0169ng l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3 thi\u1ebfu, ch\u1eb3ng h\u1ea1n nh\u01b0 quy\u1ebft \u0111\u1ecbnh c\u1ee7a t\u00f2a \u00e1n \u0111\u0103ng k\u00fd doanh nghi\u1ec7p ho\u1eb7c tr\u00edch l\u1ee5c \u0111\u0103ng k\u00fd doanh nghi\u1ec7p kh\u00f4ng qu\u00e1 30 ng\u00e0y v\u00e0 \u0111i\u1ec1u l\u1ec7 th\u00e0nh l\u1eadp. V\u1ec1 h\u00ecnh th\u1ee9c c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u n\u00e0y \u2013 v\u00ed d\u1ee5 nh\u01b0 c\u00f3 th\u1ec3 n\u1ed9p qua h\u00ecnh th\u1ee9c \u0111i\u1ec7n t\u1eed hay ph\u1ea3i xu\u1ea5t tr\u00ecnh b\u1ea3n g\u1ed1c tr\u1ef1c ti\u1ebfp \u2013 c\u1ea7n ph\u1ea3i t\u00ecm hi\u1ec3u th\u00f4ng tin t\u1eeb ng\u00e2n h\u00e0ng c\u1ee5 th\u1ec3.<\/span><\/p>\n

Vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng doanh nghi\u1ec7p l\u00e0 ngh\u0129a v\u1ee5 ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi h\u1ea7u h\u1ebft c\u00e1c doanh nghi\u1ec7p, tuy nhi\u00ean, vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n kh\u00f4ng di\u1ec5n ra t\u1ef1 \u0111\u1ed9ng. Ng\u00e2n h\u00e0ng s\u1ebd quy\u1ebft \u0111\u1ecbnh vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed v\u1ec1 th\u1ea9m \u0111\u1ecbnh kh\u00e1ch h\u00e0ng v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro; do \u0111\u00f3, vi\u1ec7c chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n th\u00e0nh c\u00f4ng. Ch\u00fang t\u00f4i h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng trong vi\u1ec7c chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft trong qu\u00e1 tr\u00ecnh m\u1edf t\u00e0i kho\u1ea3n, nh\u1eb1m \u0111\u1ea3m b\u1ea3o c\u01a1 h\u1ed9i th\u00e0nh c\u00f4ng cao nh\u1ea5t \u0111\u1ec3 vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n di\u1ec5n ra su\u00f4n s\u1ebb v\u00e0 doanh nghi\u1ec7p c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u ho\u1ea1t \u0111\u1ed9ng c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t.<\/span><\/p>\n

<\/div>","protected":false},"excerpt":{"rendered":"

Vi\u1ec7c \u0111\u0103ng k\u00fd th\u00e0nh l\u1eadp c\u00f4ng ty b\u1ea3n th\u00e2n n\u00f3 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n th\u1ef1c t\u1ebf cho ho\u1ea1t \u0111\u1ed9ng kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng. \u0110\u1ec3 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p, c\u1ea7n th\u1ef1c hi\u1ec7n th\u00eam c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, trong \u0111\u00f3 c\u00f3 vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n trong n\u01b0\u1edbc. Tuy nhi\u00ean, li\u1ec7u ng\u00e2n h\u00e0ng c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i m\u1edf t\u00e0i kho\u1ea3n hay kh\u00f4ng, v\u00e0 c\u1ea7n nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o? <\/p>","protected":false},"author":1,"featured_media":124,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[1],"tags":[],"szakteruletek":[6],"class_list":["post-1330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","szakteruletek-tarsasagi-jog"],"_links":{"self":[{"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/posts\/1330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/comments?post=1330"}],"version-history":[{"count":1,"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/posts\/1330\/revisions"}],"predecessor-version":[{"id":1333,"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/posts\/1330\/revisions\/1333"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/media\/124"}],"wp:attachment":[{"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/media?parent=1330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/categories?post=1330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/tags?post=1330"},{"taxonomy":"szakteruletek","embeddable":true,"href":"https:\/\/kecser.tasnadi.group\/vi\/wp-json\/wp\/v2\/szakteruletek?post=1330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}