{"id":11909,"date":"2019-02-20T09:55:18","date_gmt":"2019-02-20T02:55:18","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=11909"},"modified":"2022-03-10T21:28:05","modified_gmt":"2022-03-10T14:28:05","slug":"2-511-khi-nao-co-the-cong-khai-xep-hang-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-511-khi-nao-co-the-cong-khai-xep-hang-ngan-hang\/","title":{"rendered":"2.511. Khi n\u00e0o c\u00f3 th\u1ec3 c\u00f4ng khai x\u1ebfp h\u1ea1ng ng\u00e2n h\u00e0ng?"},"content":{"rendered":"
\n
(\u0110T) –\u00a0Kh\u00f4ng c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) t\u1ea1i Vi\u1ec7t Nam c\u00f3 th\u1ec3 l\u00e0 b\u01b0\u1edbc \u0111i th\u1eadn tr\u1ecdng c\u1ea7n thi\u1ebft, song c\u1ea7n c\u00f3 l\u1ed9 tr\u00ecnh c\u00f4ng khai c\u00e1c th\u00f4ng tin n\u00e0y \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng b\u1ea5t c\u00e2n x\u1ee9ng th\u00f4ng tin v\u00e0 g\u00f3p ph\u1ea7n c\u1ee7ng c\u1ed1 ni\u1ec1m tin c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/strong><\/div>\n<\/div>\n\n\n\n\n
\"H\u1ec7<\/td>\n<\/tr>\n
H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u1ea7n chu\u1ea9n b\u1ecb s\u1eb5n s\u00e0ng trong qu\u1ea3n tr\u1ecb, \u1ee9ng ph\u00f3 r\u1ee7i ro v\u1ec1 m\u1eb7t th\u00f4ng tin. \u1ea2nh: Minh D\u0169ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Kh\u00f4ng \u0111\u01b0\u1ee3c cung c\u1ea5p k\u1ebft qu\u1ea3 cho b\u00ean th\u1ee9 ba<\/strong><\/p>\n

T\u1eeb n\u0103m 2019, c\u00e1c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i s\u1ebd \u0111\u01b0\u1ee3c x\u1ebfp h\u1ea1ng theo c\u00e1c ti\u00eau ch\u00ed t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. C\u00f3 5 m\u1ee9c x\u1ebfp h\u1ea1ng: A (t\u1ed1t), B (kh\u00e1), C (trung b\u00ecnh), D (y\u1ebfu), E (y\u1ebfu k\u00e9m) t\u01b0\u01a1ng \u1ee9ng v\u1edbi n\u0103ng l\u1ef1c t\u00ednh theo t\u1ed5ng \u0111i\u1ec3m v\u1ec1 c\u00e1c n\u1ed9i dung l\u00e0: v\u1ed1n (tr\u1ecdng s\u1ed1 20%), ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n (30%), qu\u1ea3n tr\u1ecb \u0111i\u1ec1u h\u00e0nh (10%), k\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng kinh doanh (20%), kh\u1ea3 n\u0103ng thanh kho\u1ea3n (15%), m\u1ee9c \u0111\u1ed9 nh\u1ea1y c\u1ea3m \u0111\u1ed1i v\u1edbi r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng (5%).<\/p>\n

Quy \u0111\u1ecbnh r\u1ea5t \u0111\u00e1ng ch\u00fa \u00fd t\u1ea1i Th\u00f4ng t\u01b0 52\/2018\/TT-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/4\/2019 l\u00e0 qu\u1ea3n l\u00fd k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng. Theo \u0111\u00f3, TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng \u0111\u01b0\u1ee3c cung c\u1ea5p k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng cho b\u00ean th\u1ee9 ba (bao g\u1ed3m c\u1ea3 ng\u00e2n h\u00e0ng m\u1eb9 c\u1ee7a chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i) d\u01b0\u1edbi b\u1ea5t k\u1ef3 h\u00ecnh th\u1ee9c n\u00e0o.<\/p>\n

C\u01a1 quan thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng, c\u00e1c \u0111\u01a1n v\u1ecb kh\u00e1c thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c, c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc kh\u00e1c thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c cung c\u1ea5p k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng c\u00e1c TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i theo quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 4 \u0110i\u1ec1u 22 th\u00f4ng t\u01b0 n\u00e0y ph\u1ea3i th\u1ef1c hi\u1ec7n l\u01b0u tr\u1eef v\u00e0 s\u1eed d\u1ee5ng k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 b\u1ea3o v\u1ec7 b\u00ed m\u1eadt nh\u00e0 n\u01b0\u1edbc trong ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft, k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c c\u01a1 quan qu\u1ea3n l\u00fd s\u1eed d\u1ee5ng trong c\u00f4ng t\u00e1c c\u1ea3nh b\u00e1o s\u1edbm, ng\u0103n ng\u1eeba nguy c\u01a1 \u0111\u1ed5 v\u1ee1 c\u1ee7a t\u1eebng TCTD c\u0169ng nh\u01b0 r\u1ee7i ro lan truy\u1ec1n to\u00e0n h\u1ec7 th\u1ed1ng. T\u1eeb \u0111\u00f3 \u0111\u01b0a ra c\u00e1c h\u00e0nh \u0111\u1ed9ng v\u1ec1 ch\u00ednh s\u00e1ch k\u1ecbp th\u1eddi nh\u1eb1m \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh, b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n v\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n.<\/p>\n

S\u1edbm c\u00f4ng khai \u0111\u1ec3 t\u0103ng ni\u1ec1m tin<\/strong><\/p>\n

Th\u1ecb tr\u01b0\u1eddng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam hi\u1ec7n trong giai \u0111o\u1ea1n t\u00e1i c\u01a1 c\u1ea5u v\u1edbi s\u1ef1 v\u00e0o cu\u1ed9c c\u1ee7a c\u1ea3 c\u00e1c TCTD v\u00e0 c\u01a1 quan \u0111i\u1ec1u h\u00e0nh. \u0110\u00e2y \u0111\u01b0\u1ee3c coi l\u00e0 th\u1eddi \u0111i\u1ec3m \u0111\u00e3 b\u01b0\u1edbc qua giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n qu\u00e1 n\u00f3ng, song v\u1eabn ch\u01b0a \u0111\u1ee7 \u201cch\u00edn\u201d x\u00e9t t\u1eeb c\u1ea3 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb c\u1ee7a c\u00e1c TCTD v\u00e0 k\u1ef9 n\u0103ng \u1ee9ng x\u1eed tr\u01b0\u1edbc th\u00f4ng tin b\u1ea5t th\u01b0\u1eddng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng. Do \u0111\u00f3, s\u1ef1 e ng\u1ea1i c\u00f4ng b\u1ed1 th\u00f4ng tin v\u1ec1 x\u1ebfp h\u1ea1ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 l\u00e0 c\u00e1ch m\u00e0 c\u01a1 quan \u0111i\u1ec1u h\u00e0nh ch\u1ecdn l\u1ef1a khi ch\u01b0a ch\u1eafc ch\u1eafn v\u1ec1 hi\u1ec7u \u1ee9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Chia s\u1ebb g\u00f3c nh\u00ecn v\u1ec1 \u0111i\u1ec1u n\u00e0y, m\u1ed9t chuy\u00ean gia trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng n\u00f3i: \u201cN\u1ebfu th\u00f4ng tin kh\u00f4ng t\u00edch c\u1ef1c v\u1ec1 m\u1ed9t ng\u00e2n h\u00e0ng n\u00e0o \u0111\u1ea5y n\u1eb1m \u1edf cu\u1ed1i b\u1ea3ng x\u1ebfp h\u1ea1ng \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, s\u1ebd r\u1ea5t kh\u00f3 l\u01b0\u1eddng v\u1ec1 ph\u1ea3n \u1ee9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng. \u0110\u1eb7c bi\u1ec7t, trong giai \u0111o\u1ea1n t\u00e1i c\u01a1 c\u1ea5u hi\u1ec7n nay, \u201cs\u1ee9c kh\u1ecfe\u201d v\u00e0 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb, \u1ee9ng ph\u00f3 r\u1ee7i ro v\u1ec1 m\u1eb7t th\u00f4ng tin c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u1ea3 h\u1ec7 th\u1ed1ng \u0111\u1ec1u ch\u01b0a h\u1eb3n \u0111\u00e3 v\u1eefng\u201d.<\/p>\n

V\u1edbi nhi\u1ec1u n\u0103m kinh nghi\u1ec7m tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf, chuy\u00ean gia t\u00e0i ch\u00ednh B\u00f9i Ki\u1ebfn Th\u00e0nh cho bi\u1ebft, x\u1ebfp h\u1ea1ng c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 vi\u1ec7c \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n tr\u00ean th\u1ebf gi\u1edbi th\u1ef1c hi\u1ec7n t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc v\u00e0 c\u00f4ng khai th\u00f4ng tin cho ng\u01b0\u1eddi d\u00e2n v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0. \u201cT\u1ea1i M\u1ef9, ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng n\u01b0\u1edbc n\u00e0y th\u1ef1c hi\u1ec7n vi\u1ec7c n\u00e0y v\u00e0 c\u1eadp nh\u1eadt th\u00f4ng tin cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0. Qua \u0111\u00f3, th\u1ecb tr\u01b0\u1eddng s\u1ebd n\u1eafm \u0111\u01b0\u1ee3c th\u1ef1c tr\u1ea1ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng, t\u0103ng t\u00ednh minh b\u1ea1ch tr\u00ean th\u1ecb tr\u01b0\u1eddng. \u0110i\u1ec1u n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n c\u1ee7a l\u0129nh v\u1ef1c n\u00e0y trong th\u1eddi gian t\u1edbi\u201d, \u00f4ng Th\u00e0nh n\u00f3i.<\/p>\n

Chia s\u1ebb g\u00f3c nh\u00ecn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI n\u00eau quan \u0111i\u1ec3m: \u201cHo\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 b\u01b0\u1edbc c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 trong th\u1eddi gian v\u1eeba qua x\u00e9t c\u1ea3 v\u1ec1 vi\u1ec7c t\u0103ng quy m\u00f4, c\u00f4ng ngh\u1ec7 v\u00e0 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb. Do \u0111\u00f3, d\u00f9 c\u00f3 th\u1ec3 e ng\u1ea1i v\u1ec1 vi\u1ec7c c\u00f4ng b\u1ed1 th\u00f4ng tin nh\u01b0ng c\u0169ng c\u1ea7n s\u1edbm c\u00f3 l\u1ed9 tr\u00ecnh c\u00f4ng khai ho\u1eb7c c\u1ea3nh b\u00e1o v\u1ec1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ec3 r\u1ee7i ro. C\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i s\u1eb5n s\u00e0ng ch\u1ea5p nh\u1eadn tham gia cu\u1ed9c ch\u01a1i v\u1edbi m\u1ed9t b\u1ea3ng \u201cs\u1ee9c kh\u1ecfe\u201d \u0111\u01b0\u1ee3c x\u1ebfp h\u1ea1ng r\u00f5 r\u00e0ng\u201d. C\u00f3 nh\u01b0 v\u1eady m\u1edbi t\u1ea1o s\u1ee9c \u00e9p \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng n\u00e2ng cao ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh, c\u1ea3i thi\u1ec7n n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb, gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111\u1ec3 n\u00e2ng cao \u0111\u1ecbnh m\u1ee9c t\u00edn nhi\u1ec7m, g\u00f3p ph\u1ea7n l\u00e0nh m\u1ea1nh h\u00f3a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n

M\u1eb7t kh\u00e1c, t\u1eeb g\u00f3c \u0111\u1ed9 quy\u1ec1n l\u1ee3i v\u1ec1 th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 c\u1ed5 \u0111\u00f4ng c\u1ee7a ng\u00e2n h\u00e0ng, b\u00ean c\u1ea1nh th\u00f4ng tin t\u1eeb b\u00e1o c\u00e1o t\u00e0i ch\u00ednh, tin c\u00f4ng b\u1ed1 tr\u00ean truy\u1ec1n th\u00f4ng, vi\u1ec7c c\u00f4ng khai th\u00f4ng tin t\u1eeb c\u01a1 quan ch\u1ee9c n\u0103ng s\u1ebd l\u00e0 ngu\u1ed3n ki\u1ec3m ch\u1ee9ng \u0111\u00e1ng tin c\u1eady v\u00e0 g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng b\u1ea5t c\u00e2n x\u1ee9ng \u00a0th\u00f4ng tin tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Ho\u00e0ng Oanh<\/b><\/p>\n

——————<\/p>\n

B\u00e1o \u0111\u1ea5u th\u1ea7u (T\u00e0i ch\u00ednh) 20-02-2019:<\/b><\/em><\/p>\n

Khi n\u00e0o c\u00f3 th\u1ec3 c\u00f4ng khai x\u1ebfp h\u1ea1ng ng\u00e2n h\u00e0ng? (baodauthau.vn)<\/a><\/p>\n

(158\/994)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110T) –\u00a0Kh\u00f4ng c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) t\u1ea1i Vi\u1ec7t Nam c\u00f3 th\u1ec3 l\u00e0 b\u01b0\u1edbc \u0111i th\u1eadn tr\u1ecdng c\u1ea7n thi\u1ebft, song c\u1ea7n c\u00f3 l\u1ed9 tr\u00ecnh c\u00f4ng khai c\u00e1c th\u00f4ng tin n\u00e0y \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng b\u1ea5t c\u00e2n x\u1ee9ng th\u00f4ng tin v\u00e0 g\u00f3p ph\u1ea7n c\u1ee7ng c\u1ed1 ni\u1ec1m tin c\u1ee7a […]<\/p>\n","protected":false},"author":10,"featured_media":11911,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-11909","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.511. Khi n\u00e0o c\u00f3 th\u1ec3 c\u00f4ng khai x\u1ebfp h\u1ea1ng ng\u00e2n h\u00e0ng? - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/2-511-khi-nao-co-the-cong-khai-xep-hang-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.511. 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