{"id":21260,"date":"2015-01-20T13:16:38","date_gmt":"2015-01-20T06:16:38","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21260"},"modified":"2022-05-16T13:19:16","modified_gmt":"2022-05-16T06:19:16","slug":"633-ma-ngan-hang-khong-con-la-tin-don","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/633-ma-ngan-hang-khong-con-la-tin-don\/","title":{"rendered":"633. M&A ng\u00e2n h\u00e0ng: Kh\u00f4ng c\u00f2n l\u00e0 tin \u0111\u1ed3n"},"content":{"rendered":"(DNSG) – <\/strong>Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Nguy\u1ec5n V\u0103n B\u00ecnh cho r\u1eb1ng, \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n, ngay l\u00fac n\u00e0y c\u00e1c ng\u00e2n h\u00e0ng NH nh\u1ecf ph\u1ea3i ng\u1ed3i l\u1ea1i v\u1edbi nhau \u0111\u1ec3 b\u00e0n \u0111\u1ebfn s\u00e1p nh\u1eadp (M&A). Vi\u1ec5n c\u1ea3nh th\u1ecb tr\u01b0\u1eddng ch\u1ec9 c\u00f2n l\u1ea1i d\u01b0\u1edbi 20 NH kh\u00f4ng c\u00f2n xa.<\/strong><\/p>\n

\"\"<\/p>\n

M\u1ea1nh tay lo\u1ea1i b\u1ecf<\/strong><\/p>\n

T\u00ednh \u0111\u1ebfn nay, h\u1ea7u h\u1ebft c\u00e1c NH \u0111\u00e3 ho\u00e0n th\u00e0nh b\u01b0\u1edbc \u0111\u1ea7u l\u1ed9 tr\u00ecnh c\u01a1 c\u1ea5u l\u1ea1i theo ph\u01b0\u01a1ng \u00e1n \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t. Trong \u0111\u00f3, ph\u01b0\u01a1ng \u00e1n c\u01a1 c\u1ea5u \u0111\u1ec1u \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh tr\u00ean nguy\u00ean t\u1eafc t\u1ef1 nguy\u1ec7n, NHNN ch\u01b0a ph\u1ea3i \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p can thi\u1ec7p b\u1eaft bu\u1ed9c n\u00e0o.<\/p>\n

Nh\u1edd \u0111\u00f3, t\u00ecnh h\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c NH n\u00e0y \u0111\u00e3 \u1ed5n \u0111\u1ecbnh v\u00e0 d\u1ea7n c\u1ea3i thi\u1ec7n so v\u1edbi th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u th\u1ef1c hi\u1ec7n c\u01a1 c\u1ea5u; c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng, kh\u1ea3 n\u0103ng chi tr\u1ea3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n v\u00e0 c\u01a1 b\u1ea3n \u0111\u1ea3m b\u1ea3o quy \u0111\u1ecbnh…<\/p>\n

Tuy nhi\u00ean, ph\u00e1t bi\u1ec3u t\u1ea1i h\u1ed9i ngh\u1ecb t\u1ed5ng k\u1ebft ho\u1ea1t \u0111\u1ed9ng c\u00e1c NH tr\u00ean \u0111\u1ecba b\u00e0n TP.HCM, Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n V\u0103n B\u00ecnh cho r\u1eb1ng, nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a c\u00e1c NH nh\u1ecf l\u00e0 kh\u1ea3 n\u0103ng qu\u1ea3n tr\u1ecb. V\u00ec th\u1ebf, \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n, c\u00e1c NH nh\u1ecf ph\u1ea3i ng\u1ed3i l\u1ea1i v\u1edbi nhau \u0111\u1ec3 b\u00e0n \u0111\u1ebfn vi\u1ec7c h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp.<\/p>\n

Theo Th\u1ed1ng \u0111\u1ed1c, c\u00e1c NH y\u1ebfu k\u00e9m s\u1ebd kh\u00f3 c\u00f3 th\u1ec3 c\u1ea1nh tranh trong th\u1eddi gian t\u1edbi n\u00ean c\u1ea7n thi\u1ebft t\u00ecm \u0111\u1ed1i t\u00e1c \u0111\u1ec3 M&A th\u00ec m\u1edbi c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ee5c ti\u00eau ch\u00ednh c\u1ee7a \u0111\u1ec1 \u00e1n t\u00e1i c\u01a1 c\u1ea5u c\u1ee7a ng\u00e0nh \u0111ang \u0111\u01b0\u1ee3c NHNN \u0111\u1ea9y m\u1ea1nh.<\/p>\n

Trong 2 n\u0103m qua, h\u1ec7 th\u1ed1ng NH gi\u1ea3m 5 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) th\u00f4ng qua M&A, gi\u1ea3i th\u1ec3, \u0111\u1ed3ng th\u1eddi r\u00fat gi\u1ea5y ph\u00e9p 3 chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i, c\u1ed5 ph\u1ea7n h\u00f3a 4 NHTM nh\u00e0 n\u01b0\u1edbc. K\u1ebft qu\u1ea3 n\u00e0y m\u1edf \u0111\u1ea7u cho l\u00e0n s\u00f3ng M&A NH trong n\u0103m 2015 v\u00ec c\u00f2n r\u1ea5t nhi\u1ec1u NH \u0111ang t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c tr\u00ean tinh th\u1ea7n t\u1ef1 nguy\u1ec7n.<\/p>\n

M\u1edf \u0111\u1ea7u cho M&A n\u0103m m\u1edbi l\u00e0 Vietcombank s\u00e1p nh\u1eadp v\u1edbi Saigonbank. Ti\u1ebfp theo \u0111\u00f3 c\u00f3 th\u1ec3 c\u00f3 th\u00eam 6 th\u01b0\u01a1ng v\u1ee5 h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp gi\u1eefa c\u00e1c NH nh\u01b0 BIDV – MHB, VietinBank – OceanBank ho\u1eb7c PGBank, Southern Bank – Sacombank, MDB – Maritime Bank, GPBank – LienVietPostBank.<\/p>\n

NamA Bank ch\u01b0a c\u00f3 \u0111\u1ed1i t\u00e1c r\u00f5 r\u00e0ng nh\u01b0ng kh\u1ea3 n\u0103ng s\u00e1p nh\u1eadp l\u00e0 ch\u1eafc ch\u1eafn. \u0110\u00e2y c\u0169ng l\u00e0 h\u00e0nh \u0111\u1ed9ng r\u00f5 nh\u1ea5t c\u1ee7a nh\u00e0 qu\u1ea3n l\u00fd \u0111\u1ec3 \u0111\u1ebfn n\u0103m 2017 \u0111\u01b0a s\u1ed1 NH gi\u1ea3m m\u1ed9t n\u1eeda so v\u1edbi hi\u1ec7n nay.<\/p>\n

L\u00e0m sao gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c l\u1ee3i \u00edch c\u00e1c b\u00ean?<\/strong><\/p>\n

V\u1ec1 l\u00fd thuy\u1ebft, c\u00e1c NH \u0111ang c\u1ed1 t\u1ea1o ra nh\u1eefng th\u00f4ng tin nh\u01b0 m\u00ecnh l\u00e0 \u0111\u01a1n v\u1ecb ch\u1ee7 \u0111\u1ed9ng s\u00e1p nh\u1eadp \u0111\u1ec3 \u1ed5n \u0111\u1ecbnh t\u00e2m l\u00fd kh\u00e1ch h\u00e0ng. Ch\u1eb3ng h\u1ea1n, Nam A Bank cho bi\u1ebft \u0111ang t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c \u0111\u1ec3 s\u00e1p nh\u1eadp. B\u1edfi vi\u1ec7c s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t, theo l\u00e3nh \u0111\u1ea1o c\u1ee7a Nam A Bank, s\u1ebd \u0111em l\u1ea1i gi\u00e1 tr\u1ecb gia t\u0103ng l\u1edbn h\u01a1n so v\u1edbi khi c\u00e1c NH \u0111\u1ee9ng ri\u00eang r\u1ebd.<\/p>\n

Hay n\u00f3i c\u00e1ch kh\u00e1c, khi h\u1ee3p nh\u1ea5t, NH \u0111\u01b0\u1ee3c l\u1ee3i \u00edch kinh t\u1ebf theo quy m\u00f4 l\u1edbn h\u01a1n, t\u0103ng uy t\u00edn, th\u01b0\u01a1ng hi\u1ec7u, gi\u1ea3m chi ph\u00ed, khai th\u00e1c t\u1ed1i \u0111a l\u1ee3i th\u1ebf kinh doanh c\u1ee7a c\u00e1c b\u00ean tham gia, ph\u00e1t tri\u1ec3n c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 m\u1ea1ng l\u01b0\u1edbi ph\u00e2n ph\u1ed1i… Tuy nhi\u00ean, c\u0169ng c\u00f3 th\u00f4ng tin b\u00ean l\u1ec1 cho r\u1eb1ng, Nam A Bank \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh s\u00e1p nh\u1eadp v\u1edbi Oceanbank.<\/p>\n

    \n
  1. L\u00ea Xu\u00e2n Ngh\u0129a cho r\u1eb1ng, t\u00e2m l\u00fd c\u1ee7a c\u00e1c NH l\u00e0 kh\u00f4ng mu\u1ed1n s\u00e1p nh\u1eadp, m\u00e0 n\u1ebfu mu\u1ed1n s\u00e1p nh\u1eadp th\u00ec ai c\u0169ng gi\u00e0nh quy\u1ec1n qu\u1ea3n l\u00fd. Cho n\u00ean s\u00e1p nh\u1eadp l\u00e0 kh\u00f4ng tr\u00e1nh kh\u1ecfi, song r\u00f5 r\u00e0ng c\u00e1c cu\u1ed9c \u0111\u00e0m ph\u00e1n n\u1ed9i b\u1ed9 s\u1eafp t\u1edbi \u0111\u00e2y s\u1ebd r\u1ea5t c\u0103ng th\u1eb3ng.<\/li>\n<\/ol>\n

    Tr\u1eeb khi NH \u0111\u00f3 th\u1ef1c s\u1ef1 l\u1edbn m\u1ea1nh th\u00ec c\u00e1c NH nh\u1ecf ph\u1ea3i d\u1ef1a v\u00e0o \u0111\u1ec3 t\u1ed3n t\u1ea1i. C\u00f2n n\u1ebfu hai NH ngang nhau th\u00ec \u0111\u00e0m ph\u00e1n c\u00e0ng tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n. Tuy nhi\u00ean, c\u0169ng c\u1ea7n nh\u00ecn nh\u1eadn c\u00e1c NH y\u1ebfu k\u00e9m \u0111\u00e3 \u0111\u1ebfn l\u00fac c\u1ea7n ph\u1ea3i s\u00e1p nh\u1eadp, v\u00ec c\u00e0ng n\u1ea5n n\u00e1 c\u00e0ng b\u1ea5t l\u1ee3i.<\/p>\n

    C\u00f9ng quan \u0111i\u1ec3m, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty TNHH ANVI<\/em>, chia s\u1ebb, M&A NH t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y c\u00f3 hai \u00fd ngh\u0129a: Tr\u01b0\u1edbc h\u1ebft l\u00e0 nh\u1eb1m gi\u1ea3m chi ph\u00ed, gi\u1ea3m l\u1ed7, duy tr\u00ec v\u00e0 t\u0103ng c\u01b0\u1eddng n\u0103ng l\u1ef1c kinh doanh, kh\u1ea3 n\u0103ng c\u1ea1nh tranh trong l\u00fac th\u1ecb tr\u01b0\u1eddng c\u00f2n r\u1ea5t kh\u00f3 kh\u0103n.<\/em><\/p>\n

    Th\u1ee9 hai, s\u1ed1 NH \u0111ang g\u1ea7n nh\u01b0 m\u1ea5t thanh kho\u1ea3n, n\u1ee3 x\u1ea5u t\u0103ng cao so v\u1edbi s\u1ed1 NH \u0111ang ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng, n\u00ean kh\u00f3 tr\u00e1nh kh\u1ecfi suy lu\u1eadn vi\u1ec7c s\u00e1p nh\u1eadp nh\u1eb1m l\u00e0m s\u1ea1ch b\u1ea3ng c\u00e2n \u0111\u1ed1i t\u00e0i s\u1ea3n. Vi\u1ec7c n\u00e0y, n\u1ebfu c\u00f3 th\u00ec c\u0169ng l\u00e0 ch\u00ednh \u0111\u00e1ng v\u00e0 h\u1ee3p l\u00fd, nh\u1eb1m tr\u00e1nh t\u00ecnh tr\u1ea1ng l\u1ed7, v\u00e0 \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh t\u00e2m l\u00fd cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n.<\/em><\/p>\n

    “C\u00e1i kh\u00f3 nh\u1ea5t l\u00e0 d\u00e0n x\u1ebfp b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i c\u1ee7a hai b\u00ean. Kh\u00f4ng m\u1ea5y khi c\u00f3 vi\u1ec7c s\u00e1p nh\u1eadp gi\u1eefa hai NH ngang ng\u1eeda nhau v\u1ec1 m\u1ecdi m\u1eb7t, m\u00e0 th\u01b0\u1eddng th\u00ec m\u1ed9t NH y\u1ebfu h\u01a1n s\u00e1p nh\u1eadp v\u1edbi NH m\u1ea1nh h\u01a1n. V\u00ec v\u1eady, NH k\u00e9m h\u01a1n s\u1ebd c\u00f3 l\u1ee3i h\u01a1n, nh\u01b0ng ng\u01b0\u1ee3c l\u1ea1i, NH t\u1ed1t h\u01a1n l\u1ea1i c\u00f3 th\u1ec3 b\u1ecb thi\u1ec7t h\u01a1n”, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

    Do \u0111\u00f3, x\u00e1c \u0111\u1ecbnh ph\u1ea7n gi\u00e1 tr\u1ecb c\u1ed5 phi\u1ebfu (\u0111\u1ed1i v\u1edbi NHTM c\u1ed5 ph\u1ea7n) nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 c\u1ea3 hai b\u00ean th\u1ea5y ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c, kh\u00f4ng b\u00ean n\u00e0o thi\u1ec7t nhi\u1ec1u m\u00e0 c\u0169ng kh\u00f4ng b\u00ean n\u00e0o l\u1ee3i qu\u00e1. R\u1ed3i sau \u0111\u00f3 l\u00e0 v\u1ea5n \u0111\u1ec1 c\u00f4ng ngh\u1ec7, nh\u00e2n s\u1ef1…<\/em><\/p>\n

    T\u1ea5t c\u1ea3 \u0111ang c\u00f3 \u0111\u1ea7y \u0111\u1ee7 b\u1ed9 m\u00e1y, ai s\u1ebd th\u00f4i vi\u1ec7c, th\u00f4i ch\u1ee9c v\u1ee5, ai s\u1ebd gi\u1eef nguy\u00ean v\u1ecb tr\u00ed… Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, NH kh\u00f4ng ph\u1ea3i l\u00e0 s\u00e1p nh\u1eadp, m\u00e0 l\u00e0 h\u1ee3p nh\u1ea5t, nh\u01b0ng c\u0169ng kh\u00f4ng n\u1eb1m ngo\u00e0i t\u00ecnh tr\u1ea1ng \u0111\u00f3.<\/em><\/p>\n

    C\u0169ng theo \u00f4ng \u0110\u1ee9c, nh\u00ecn \u1edf g\u00f3c \u0111\u1ed9 nh\u00e0 \u0111i\u1ec1u h\u00e0nh, c\u00f3 c\u00e2u h\u1ecfi \u0111\u1eb7t ra, li\u1ec7u m\u1ee5c \u0111\u00edch th\u1ef1c s\u1ef1 c\u1ee7a NHNN trong c\u00e1c th\u01b0\u01a1ng v\u1ee5 s\u00e1p nh\u1eadp \u1edf \u0111\u00e2y l\u00e0 g\u00ec, ch\u1eafc ch\u1eafn kh\u00f4ng ch\u1ec9 l\u00e0 vi\u1ec7c c\u1ed9ng d\u1ed3n c\u01a1 h\u1ecdc \u0111\u1ec3 gi\u1ea3m s\u1ed1 l\u01b0\u1ee3ng NH, nh\u1eb1m \u0111\u1ea1t m\u1ee5c ti\u00eau ch\u00ednh s\u00e1ch c\u1ee7a nh\u00e0 qu\u1ea3n l\u00fd. Khi \u0111\u00e3 l\u00fd gi\u1ea3i \u0111\u01b0\u1ee3c h\u1ebft m\u1ecdi th\u1eafc m\u1eafc, vi\u1ec7c s\u00e1p nh\u1eadp m\u1edbi di\u1ec5n ra tr\u00f4i ch\u1ea3y \u0111\u01b0\u1ee3c.<\/em><\/p>\n

    LINH CHI<\/strong><\/p>\n

    \u2014\u2014\u2014\u2014<\/em><\/p>\n

    Doanh nh\u00e2n S\u00e0i G\u00f2n (Di\u1ec5n \u0111\u00e0n) 20-01-2015:<\/em><\/strong><\/p>\n

    http:\/\/m.doanhnhansaigon.vn\/van-de\/m-a-ngan-hang-khong-con-la-tin-don\/1086324\/<\/em><\/p>\n

    (356\/1.059)<\/p>\n

     ","protected":false},"excerpt":{"rendered":"

    (DNSG) – Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Nguy\u1ec5n V\u0103n B\u00ecnh cho r\u1eb1ng, \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n, ngay l\u00fac n\u00e0y c\u00e1c ng\u00e2n h\u00e0ng NH nh\u1ecf ph\u1ea3i ng\u1ed3i l\u1ea1i v\u1edbi nhau \u0111\u1ec3 b\u00e0n \u0111\u1ebfn s\u00e1p nh\u1eadp (M&A). Vi\u1ec5n c\u1ea3nh th\u1ecb tr\u01b0\u1eddng ch\u1ec9 c\u00f2n l\u1ea1i d\u01b0\u1edbi 20 NH kh\u00f4ng c\u00f2n xa. M\u1ea1nh […]<\/p>\n","protected":false},"author":3,"featured_media":21266,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21260","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n633. 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