{"id":18144,"date":"2017-02-22T15:02:47","date_gmt":"2017-02-22T08:02:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18144"},"modified":"2022-04-15T15:06:22","modified_gmt":"2022-04-15T08:06:22","slug":"1-529-canh-tranh-giua-cac-ngan-hang-sao-cho-lanh-manh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-529-canh-tranh-giua-cac-ngan-hang-sao-cho-lanh-manh\/","title":{"rendered":"1.529. C\u1ea1nh tranh gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng: Sao cho l\u00e0nh m\u1ea1nh?"},"content":{"rendered":"(DNSG) – <\/strong>C\u1ea1nh tranh gi\u00e0nh th\u1ecb ph\u1ea7n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng kh\u1ed1c li\u1ec7t. Chuy\u00ean gia kinh t\u1ebf,\u00a0<\/strong>Gi\u00e1m<\/em><\/strong> \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI,\u00a0<\/em><\/strong>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn x\u00e9t: “Ng\u00e2n h\u00e0ng ph\u1ea3i c\u1ea1nh tranh b\u1eb1ng ch\u1ea5t l\u01b0\u1ee3ng, trong \u0111\u00f3 t\u00ednh chuy\u00ean nghi\u1ec7p v\u00e0 th\u00e1i \u0111\u1ed9 \u1ee9ng x\u1eed v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u”.\u00a0<\/strong><\/p>\n

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* L\u1ee3i nhu\u1eadn chung c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng trong n\u0103m 2016 \u0111\u00e3 c\u00f3 s\u1ef1 thay \u0111\u1ed5i ng\u00f4i v\u1ecb. \u00d4ng nh\u1eadn x\u00e9t th\u1ebf n\u00e0o v\u1ec1 \u0111i\u1ec1u n\u00e0y?<\/em><\/strong><\/p>\n

– Con s\u1ed1 l\u1ee3i nhu\u1eadn ph\u1ea3n \u00e1nh t\u01b0\u01a1ng \u0111\u1ed1i ch\u00ednh x\u00e1c quy m\u00f4 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng kinh doanh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. V\u00ec l\u1ee3i nhu\u1eadn v\u1eabn ch\u1ee7 y\u1ebfu \u0111\u1ebfn t\u1eeb t\u00edn d\u1ee5ng, n\u00ean c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 s\u1ed1 l\u1ee3i nhu\u1eadn cao th\u01b0\u1eddng l\u00e0 c\u00f3 d\u01b0 n\u1ee3 cho vay cao.<\/p>\n

Tuy nhi\u00ean, l\u1ee3i nhu\u1eadn t\u0103ng gi\u1ea3m cao trong n\u0103m 2016 l\u1ea1i ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o m\u1ea5y n\u0103m tr\u01b0\u1edbc \u0111\u00f3 c\u00f3 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng nhi\u1ec1u hay \u00edt, h\u1ea1ch to\u00e1n c\u00f3 \u0111\u00fang, c\u00f3 \u0111\u1ee7 hay kh\u00f4ng. Nh\u00ecn chung l\u1ee3i nhu\u1eadn c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng t\u0103ng \u0111\u00e1ng k\u1ec3 nh\u01b0ng hi\u1ec7u qu\u1ea3 kinh doanh v\u1eabn c\u00f2n kh\u00e1 th\u1ea5p, nh\u1ea5t l\u00e0 t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn so v\u1edbi v\u1ed1n \u0111i\u1ec1u l\u1ec7, k\u1ec3 c\u1ea3 \u0111\u1ed1i v\u1edbi m\u1ea5y ng\u00e2n h\u00e0ng c\u00f3 s\u1ed1 l\u1ee3i nhu\u1eadn cao nh\u1ea5t.<\/p>\n

* Theo \u00f4ng, \u0111i\u1ec1u g\u00ec \u0111\u00e3 l\u00e0m n\u00ean th\u00e0nh c\u00f4ng cho c\u00e1c ng\u00e2n h\u00e0ng \u0111ang d\u1eabn \u0111\u1ea7u v\u1ec1 l\u1ee3i nhu\u1eadn?<\/strong><\/em><\/p>\n

– C\u00f3 2 \u0111i\u1ec3m \u0111\u00e1ng ch\u00fa \u00fd. Th\u1ee9 nh\u1ea5t l\u00e0 ng\u00e2n h\u00e0ng n\u00e0o c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p, t\u1ee9c l\u00e0 ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng \u00edt v\u00e0 ho\u00e0n d\u1ef1 ph\u00f2ng nhi\u1ec1u th\u00ec l\u1ee3i nhu\u1eadn cao. V\u00ed v\u1ee5 nh\u01b0 Vietcombank. Th\u1ee9 hai l\u00e0 m\u1ea3ng cho vay ti\u00eau d\u00f9ng l\u00e3i su\u1ea5t r\u1ea5t cao, n\u00ean ng\u00e2n h\u00e0ng n\u00e0o t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ea3ng n\u00e0y th\u00ec c\u00f3 l\u1ee3i nhu\u1eadn cao. V\u00ed d\u1ee5 nh\u01b0 VPBank, kho\u1ea3ng m\u1ed9t n\u1eeda l\u1ee3i nhu\u1eadn l\u00e0 do t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh mang l\u1ea1i.<\/p>\n

VPBank c\u00f2n \u0111\u1ed3ng th\u1eddi thu h\u1ed3i \u0111\u01b0\u1ee3c nhi\u1ec1u n\u1ee3 x\u1ea5u. Doanh thu c\u00f3 \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c kho\u1ea3n n\u1ee3 trong h\u1ea1n s\u1ebd mang l\u1ea1i l\u1ee3i nhu\u1eadn th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi thu \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u, n\u1ebfu tr\u01b0\u1edbc \u0111\u00f3 \u0111\u00e3 tr\u00edch l\u1eadp \u0111\u1ee7 d\u1ef1 ph\u00f2ng theo quy \u0111\u1ecbnh.<\/p>\n

* Kh\u00e1c bi\u1ec7t v\u1ec1 chi\u1ebfn l\u01b0\u1ee3c kinh doanh v\u00e0 “th\u1eddi th\u1ebf\u201d \u0111\u00e3 t\u1ea1o n\u00ean kho\u1ea3ng c\u00e1ch r\u1ea5t l\u1edbn gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng. \u00d4ng n\u00f3i g\u00ec v\u1ec1 \u0111i\u1ec1u n\u00e0y?<\/strong><\/em><\/p>\n

– Kho\u1ea3ng c\u00e1ch r\u1ea5t l\u1edbn gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng h\u1eb3n l\u00e0 do chi\u1ebfn l\u01b0\u1ee3c kinh doanh. V\u00ed d\u1ee5 3 ng\u00e2n h\u00e0ng l\u00e0 Vietcombank, Vietinbank v\u00e0 BIDV c\u00f9ng ra \u0111\u1eddi m\u1ea5y ch\u1ee5c n\u0103m tr\u01b0\u1edbc v\u00e0 lu\u00f4n c\u00f3 nh\u1eefng l\u1ee3i th\u1ebf r\u1ea5t l\u1edbn m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c kh\u00f4ng c\u00f3 \u0111\u01b0\u1ee3c nh\u01b0ng th\u00e0nh qu\u1ea3 kinh doanh l\u1ea1i kh\u00e1c nhau.<\/p>\n

Ri\u00eang Agribank th\u00ec do \u0111\u1eb7c th\u00f9 l\u00e0 ng\u00e2n h\u00e0ng n\u00f4ng nghi\u1ec7p n\u00ean tuy l\u1edbn nh\u1ea5t nh\u01b0ng l\u1ea1i r\u1ea5t kh\u00f3 \u0111\u1ea1t \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 kinh doanh cao. C\u00f2n c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n th\u00ec k\u1ebft qu\u1ea3 t\u0103ng t\u1ed1c v\u00e0 l\u1ee3i nhu\u1eadn kh\u00e1 th\u1ea5t th\u01b0\u1eddng, thi\u1ebfu b\u1ec1n v\u1eefng. \u0110i\u1ec1u n\u00e0y c\u0169ng ph\u1ea3n \u00e1nh kh\u00e1 trung th\u1ef1c n\u1ec1n kinh t\u1ebf v\u00e0 t\u00ecnh tr\u1ea1ng doanh nghi\u1ec7p Vi\u1ec7t Nam.<\/p>\n

* \u00d4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 s\u1ef1 c\u1ea1nh tranh gi\u00e0nh th\u1ecb ph\u1ea7n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay?<\/strong><\/em><\/p>\n

– V\u1edbi s\u1ed1 l\u01b0\u1ee3ng v\u00e0 quy m\u00f4 ng\u00e2n h\u00e0ng nh\u01b0 hi\u1ec7n nay, vi\u1ec7c c\u1ea1nh tranh th\u1ecb ph\u1ea7n kh\u00e1 c\u0103ng th\u1eb3ng. C\u00e1c ng\u00e2n h\u00e0ng ch\u01b0a th\u1ef1c s\u1ef1 c\u1ea1nh tranh b\u1eb1ng ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, m\u00e0 v\u1eabn c\u00f2n kh\u00e1 ph\u1ed5 bi\u1ebfn t\u00ecnh tr\u1ea1ng c\u1ea1nh tranh b\u1eb1ng l\u00e3i su\u1ea5t (t\u1ee9c c\u1ea1nh tranh gi\u00e1) v\u00e0 b\u1eb1ng c\u00e1ch gi\u1ea3m ti\u00eau chu\u1ea9n c\u1ea5p t\u00edn d\u1ee5ng. S\u1ef1 c\u1ea1nh tranh n\u00e0y gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 kh\u00f4ng c\u00e2n s\u1ee9c v\u00e0 c\u00e0ng nhanh ch\u00f3ng t\u1ea1o ra kho\u1ea3ng c\u00e1ch l\u1edbn h\u01a1n.<\/p>\n

* Theo \u00f4ng, gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p \u0111\u1ec3 t\u1ea1o ra c\u1ea1nh tranh l\u00e0nh m\u1ea1nh gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay n\u00ean l\u00e0 g\u00ec?<\/strong><\/em><\/p>\n

– Sau m\u1ea5y cu\u1ed9c s\u00e0ng l\u1ecdc “th\u1eadp t\u1eed nh\u1ea5t sinh”, ng\u00e0nh ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 “ng\u1ed9\u201d ra nhi\u1ec1u \u0111i\u1ec1u v\u1ec1 kinh doanh ng\u00e2n h\u00e0ng. V\u00ec v\u1eady, c\u1ea1nh tr\u1ea1nh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ebfn giai \u0111o\u1ea1n \u0111i v\u00e0o chi\u1ec1u s\u00e2u, ch\u1ee9 kh\u00f4ng d\u1ef1a qu\u00e1 nhi\u1ec1u v\u00e0o b\u1ec1 n\u1ed5i nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

Mu\u1ed1n thu h\u00fat \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng vay ti\u1ec1n v\u00e0 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5, th\u00ec ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 l\u00e0 y\u1ebfu t\u1ed1 s\u1ed1 1, v\u01b0\u1ee3t tr\u00ean gi\u00e1 c\u1ea3. Ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 g\u1ed3m nhi\u1ec1u y\u1ebfu t\u1ed1, nh\u01b0ng t\u00ednh chuy\u00ean nghi\u1ec7p v\u00e0 th\u00e1i \u0111\u1ed9 \u1ee9ng x\u1eed v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u.<\/p>\n

Ri\u00eang \u0111\u1ec3 c\u1ea1nh tranh v\u1ec1 ti\u1ec1n g\u1eedi di\u1ec5n ra kh\u00e1ch quan, s\u00f2ng ph\u1eb3ng, theo t\u00f4i, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n s\u1edbm d\u1ee1 b\u1ecf m\u1ecdi tr\u1ea7n l\u00e3i su\u1ea5t, c\u00f9ng v\u1edbi vi\u1ec7c th\u00f4ng tin c\u00f4ng khai, r\u1ed9ng r\u00e3i, ch\u00ednh x\u00e1c v\u1ec1 k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi \u0111\u1ec1 ra l\u1ed9 tr\u00ecnh ch\u1ea5p nh\u1eadn vi\u1ec7c ph\u00e1 s\u1ea3n \u0111\u1ec3 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n c\u00e2n nh\u1eafc tr\u01b0\u1edbc vi\u1ec7c g\u1eedi theo m\u1ee9c l\u00e3i su\u1ea5t cao hay th\u1ea5p.<\/p>\n

* \u00d4ng d\u1ef1 b\u00e1o th\u1ebf n\u00e0o v\u1ec1 vi\u1ec7c kinh doanh c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng trong n\u0103m 2017?<\/strong><\/em><\/p>\n

– Xu th\u1ebf chung l\u00e0 t\u1ed1t h\u01a1n, b\u00e0i b\u1ea3n h\u01a1n, th\u1ef1c ch\u1ea5t h\u01a1n v\u00e0 t\u1eed t\u1ebf h\u01a1n. V\u00e0 nh\u01b0 v\u1eady th\u00ec s\u1ef1 ph\u00e2n ho\u00e1 gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd c\u00e0ng r\u00f5 n\u00e9t. \u0110\u00e2y s\u1ebd l\u00e0 n\u0103m g\u1ea7n nh\u01b0 ng\u00e3 ng\u0169 ghi d\u1ea5u k\u1ebb th\u1eafng ng\u01b0\u1eddi thua tr\u00ean “\u0111\u1ea5u tr\u01b0\u1eddng nh\u00e0 b\u0103ng” \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh s\u1ed1 ph\u1eadn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng trong ch\u1eb7ng \u0111\u01b0\u1eddng ti\u1ebfp theo.<\/p>\n

* C\u00e1m \u01a1n \u00f4ng!<\/strong><\/em><\/p>\n

H\u1ea2I V\u00c2N th\u1ef1c hi\u1ec7n<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2013<\/strong><\/p>\n

Doanh Nh\u00e2n S\u00e0i G\u00f2n (Di\u1ec5n \u0111\u00e0n) 22-02-2017:<\/em><\/p>\n

http:\/\/www.doanhnhansaigon.vn\/van-de\/canh-tranh-giua-cac-ngan-hang-sao-cho-lanh-manh\/1102813\/<\/em><\/a><\/p>\n

(9<\/em>31<\/em>\/9<\/em>31<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

(DNSG) – C\u1ea1nh tranh gi\u00e0nh th\u1ecb ph\u1ea7n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng kh\u1ed1c li\u1ec7t. Chuy\u00ean gia kinh t\u1ebf,\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI,\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1eadn x\u00e9t: “Ng\u00e2n h\u00e0ng ph\u1ea3i c\u1ea1nh tranh b\u1eb1ng ch\u1ea5t l\u01b0\u1ee3ng, trong \u0111\u00f3 t\u00ednh chuy\u00ean nghi\u1ec7p v\u00e0 th\u00e1i \u0111\u1ed9 \u1ee9ng x\u1eed v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u”.\u00a0 […]<\/p>\n","protected":false},"author":3,"featured_media":18092,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.529. C\u1ea1nh tranh gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng: Sao cho l\u00e0nh m\u1ea1nh? - 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\/1-529-canh-tranh-giua-cac-ngan-hang-sao-cho-lanh-manh\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.529. C\u1ea1nh tranh gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng: Sao cho l\u00e0nh m\u1ea1nh?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(DNSG) – C\u1ea1nh tranh gi\u00e0nh th\u1ecb ph\u1ea7n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng kh\u1ed1c li\u1ec7t. 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