{"id":22503,"date":"2012-08-10T14:56:01","date_gmt":"2012-08-10T07:56:01","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22503"},"modified":"2022-08-29T13:35:46","modified_gmt":"2022-08-29T06:35:46","slug":"203-ma-tran-ngan-hang-can-mot-loi-thoat-bai-3","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/203-ma-tran-ngan-hang-can-mot-loi-thoat-bai-3\/","title":{"rendered":"203. “Ma tr\u1eadn” ng\u00e2n h\u00e0ng c\u1ea7n m\u1ed9t l\u1ed1i tho\u00e1t (B\u00e0i 3)"},"content":{"rendered":"(CLVN) – C\u00e1c sai ph\u1ea1m trong ng\u00e2n h\u00e0ng t\u0103ng l\u00ean nhi\u1ec1u l\u00e0 do s\u1ef1 t\u0103ng tr\u01b0\u1edfng n\u00f3ng, ti\u00eau c\u1ef1c n\u00f3i chung c\u1ee7a m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf. Vi\u1ec7c tuy\u1ec3n d\u1ee5ng c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng theo \u0111\u00fang th\u1ef1c l\u1ef1c m\u00e0 c\u00f2n d\u1ef1a v\u00e0o phong bao, phong b\u00ec… <\/strong><\/p>\n

\u0110\u00f3 l\u00e0 \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c chuy\u00ean gia kinh t\u1ebf v\u1ec1 c\u00e1c v\u1ee5 vi ph\u1ea1m ph\u00e1p lu\u1eadt c\u1ee7a c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng th\u1eddi gian qua.<\/p>\n

B\u00e0i 3: C\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng… non v\u00e0 y\u1ebfu<\/strong><\/p>\n

Trao \u0111\u1ed5i v\u1edbi PV Ch\u1ea5t l\u01b0\u1ee3ng Vi\u1ec7t Nam,<\/em> Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c –Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>, \u0111\u1ed3ng th\u1eddi l\u00e0 Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i qu\u1ed1c t\u1ebf, cho r\u1eb1ng c\u00e1c sai ph\u1ea1m trong ng\u00e2n h\u00e0ng t\u0103ng l\u00ean nhi\u1ec1u l\u00e0 do s\u1ef1 t\u0103ng tr\u01b0\u1edfng<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

n\u00f3ng, s\u1ef1 ph\u1ee9c t\u1ea1p, ti\u00eau c\u1ef1c n\u00f3i chung c\u1ee7a m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf v\u00e0 s\u1ef1 non n\u1edbt v\u1ec1 nh\u1eadn th\u1ee9c v\u00e0 kinh nghi\u1ec7m \u1ee9ng x\u1eed c\u1ee7a nh\u00e2n vi\u00ean, c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng.<\/p>\n

\u00d4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng th\u1eddi gian qua? Vi\u1ec7c c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng \u0111\u1ec3 x\u1ea3y ra nhi\u1ec1u sai ph\u1ea1m, theo \u00f4ng nguy\u00ean nh\u00e2n do \u0111\u00e2u?\u00a0<\/em><\/p>\n

Ch\u1ea5t l\u01b0\u1ee3ng chuy\u00ean m\u00f4n nghi\u1ec7p v\u1ee5 c\u1ee7a c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng trong th\u1eddi gian qua \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00e2ng cao h\u01a1n kh\u00e1 nhi\u1ec1u so v\u1edbi tr\u01b0\u1edbc kia, do t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n nhanh, th\u1ecb tr\u01b0\u1eddng phong ph\u00fa, ph\u1ee9c t\u1ea1p v\u00e0 s\u1ef1 c\u1ea1nh tranh m\u1ea1nh m\u1ebd. Nh\u01b0ng c\u00f9ng v\u1edbi \u0111\u00f3, th\u00ec c\u00e1c sai ph\u1ea1m c\u0169ng t\u0103ng l\u00ean nhi\u1ec1u, l\u00e0 do s\u1ef1 t\u0103ng tr\u01b0\u1edfng n\u00f3ng, s\u1ef1 ph\u1ee9c t\u1ea1p, ti\u00eau c\u1ef1c n\u00f3i chung c\u1ee7a m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf v\u00e0 s\u1ef1 non n\u1edbt v\u1ec1 nh\u1eadn th\u1ee9c v\u00e0 kinh nghi\u1ec7m \u1ee9ng x\u1eed.<\/p>\n

\u0110\u01b0\u01a1ng nhi\u00ean vi\u1ec7c \u0111\u00f3 l\u00e0 l\u00e0m \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng \u0111\u1ebfn uy t\u00edn c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, g\u00e2y ra s\u1ef1 ho\u00e0i nghi, lo ng\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng trong m\u1ecdi giao d\u1ecbch v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

Theo m\u1ed9t s\u1ed1 chuy\u00ean gia trong l\u0129nh v\u1ef1c kinh t\u1ebf, t\u00e0i ch\u00ednh th\u00ec \u0111\u1ec3 x\u1ea3y ra t\u00ecnh tr\u1ea1ng n\u00e0y m\u1ed9t ph\u1ea7n l\u00e0 do vi\u1ec7c qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9 ng\u00e2n h\u00e0ng c\u00f2n y\u1ebfu k\u00e9m? V\u1eady theo \u00f4ng th\u00ec c\u1ee5 th\u1ec3 l\u00e0 y\u1ebfu \u1edf kh\u00e2u n\u00e0o?<\/em><\/p>\n

M\u1ed9t ph\u1ea7n quan tr\u1ecdng l\u00e0 do s\u1ef1 qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9 ng\u00e2n h\u00e0ng c\u00f2n y\u1ebfu k\u00e9m, nh\u1ea5t l\u00e0 l\u00e0 y\u1ebfu k\u00e9m \u1edf kh\u00e2u tuy\u1ec3n d\u1ee5ng v\u00e0 b\u1ed1 tr\u00ed c\u00e1n b\u1ed9. V\u1edbi s\u1ef1 t\u0103ng tr\u01b0\u1edfng qu\u00e1 n\u00f3ng, c\u00e1n b\u1ed9 ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o, th\u1eed th\u00e1ch, ki\u1ec3m nghi\u1ec7m, nh\u01b0ng \u0111\u00e3 \u0111\u01b0\u1ee3c giao nhi\u1ec1u tr\u1ecdng tr\u00e1ch, quy\u1ec1n h\u00e0nh, ti\u1ec1n b\u1ea1c, n\u00ean d\u1ec5 b\u1ecb x\u00f4 \u0111\u1ea9y, l\u1ee3i d\u1ee5ng. V\u00e0 c\u0169ng v\u00ec ph\u00e1t tri\u1ec3n n\u00f3ng, n\u00ean vi\u1ec7c theo d\u00f5i, gi\u00e1m s\u00e1t, ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd c\u0169ng kh\u00f4ng theo k\u1ecbp c\u1ea3 v\u1ec1 con ng\u01b0\u1eddi c\u0169ng nh\u01b0 c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch.<\/p>\n

S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay kh\u00f4ng ch\u1ec9 \u00a0\u0111\u00e1nh gi\u00e1 qua s\u1ea3n ph\u1ea9m n\u1eefa m\u00e0 c\u00f2n qua ch\u1ea5t l\u01b0\u1ee3ng l\u01b0\u1ee3ng d\u1ecbch v\u1ee5. Quan \u0111i\u1ec3m c\u1ee7a \u00f4ng v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y v\u00e0 c\u00f4ng ngh\u1ec7 c\u00f3 vai tr\u00f2 th\u1ebf n\u00e0o trong vi\u1ec7c t\u1ea1o n\u00ean s\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y?<\/em><\/p>\n

S\u1ea3n ph\u1ea9m ng\u00e2n h\u00e0ng th\u01b0\u1eddng l\u00e0 nh\u1eefng ho\u1ea1t \u0111\u1ed9ng c\u01a1 b\u1ea3n, truy\u1ec1n th\u1ed1ng l\u00e2u \u0111\u1eddi, \u0111\u00e3 \u0111\u1ecbnh h\u00ecnh r\u00f5 n\u00e9t v\u00e0 d\u1ec5 h\u1ecdc h\u1ecfi, b\u1eaft ch\u01b0\u1edbc, n\u00ean kh\u00f3 t\u1ea1o ra s\u1ef1 kh\u00e1c bi\u1ec7t. C\u00f2n ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 th\u00ec m\u1edbi th\u1ef1c s\u1ef1 l\u00e0 c\u1ed1t l\u00f5i, l\u00e0 ph\u1ea7n ch\u1ea5t c\u1ee7a s\u1ea3n ph\u1ea9m, \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 ngh\u1ec1, c\u00f3 t\u1ea7m th\u1eadt s\u1ef1 m\u1edbi kh\u1eb3ng \u0111\u1ecbnh v\u00e0 duy tr\u00ec \u0111\u01b0\u1ee3c. V\u00e0 \u0111\u1eb7c bi\u1ec7t, ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng g\u1ea7n nh\u01b0 g\u1eafn li\u1ec1n v\u1edbi c\u00f4ng ngh\u1ec7 th\u00f4ng tin.<\/p>\n

M\u1ed9t s\u1ea3n ph\u1ea9m r\u1ea5t kh\u00f3 c\u00f3 s\u1ef1 kh\u00e1c nhau v\u1ec1 m\u00f4 t\u1ea3 v\u00e0 th\u1ec3 hi\u1ec7n ra b\u00ean ngo\u00e0i, nh\u01b0ng n\u00f3 s\u1ebd ho\u00e0n to\u00e0n kh\u00e1c bi\u1ec7t v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng, v\u1ec1 hi\u1ec7u qu\u1ea3, v\u1ec1 kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng v\u00e0 ph\u00e1t tri\u1ec3n khi \u0111\u01b0\u1ee3c khai th\u00e1c, \u1ee9ng d\u1ee5ng b\u1eb1ng c\u00e1c gi\u1ea3i ph\u00e1p v\u00e0 tr\u00ecnh \u0111\u1ed9 c\u00f4ng ngh\u1ec7 kh\u00e1c nhau. C\u00f3 th\u1ec3 n\u00f3i, ch\u1ea5t l\u01b0\u1ee3ng r\u1ea5t nhi\u1ec1u s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng quy\u1ebft \u0111\u1ecbnh b\u1edfi ch\u1ea5t l\u01b0\u1ee3ng c\u00f4ng ngh\u1ec7.<\/p>\n

Th\u1ef1c t\u1ebf c\u00f3 r\u1ea5t nhi\u1ec1u ph\u00e0n n\u00e0n t\u1eeb ph\u00eda ng\u01b0\u1eddi s\u1eed d\u1ee5ng v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay. \u0110\u1ed1i v\u1edbi doanh nghi\u1ec7p h\u1ecd cho r\u1eb1ng th\u1ee7 t\u1ee5c c\u00f2n phi\u1ec1n h\u00e0, g\u00e2y kh\u00f3 kh\u0103n cho h\u1ecd khi vay v\u1ed1n. \u00d4ng c\u00f3 c\u00f9ng quan \u0111i\u1ec3m v\u1edbi h\u1ecd?<\/em><\/p>\n

Ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c thay \u0111\u1ed5i, c\u1ea3i ti\u1ebfn v\u00e0 n\u00e2ng cao r\u00f5 r\u1ec7t so v\u1edbi v\u00e0i n\u0103m tr\u01b0\u1edbc do \u0111\u00e3 th\u1ef1c s\u1ef1 c\u00f3 c\u1ea1nh tranh. Tuy nhi\u00ean, v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 th\u1ea7n k\u1ef3 nh\u01b0 th\u1eddi gian qua, th\u00ec \u0111\u00fang l\u00e0 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn c\u00f2n ch\u1eadm ch\u00e2n, v\u1eabn c\u00f2n nhi\u1ec1u h\u1ea1n ch\u1ebf v\u00e0 c\u00f2n ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o n\u01b0\u1edbc ngo\u00e0i. Ri\u00eang ch\u1ea5t l\u01b0\u1ee3ng trong nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng th\u00ec c\u00f2n \u00edt thay \u0111\u1ed5i.<\/p>\n

Tuy nhi\u00ean, t\u00f4i cho r\u1eb1ng \u0111i\u1ec1u n\u00e0y th\u00ec l\u1ea1i kh\u00f4ng n\u00ean o\u00e1n tr\u00e1ch ng\u00e2n h\u00e0ng. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 s\u1ef1 canh tranh m\u1ea1nh m\u1ebd, s\u00f2ng ph\u1eb3ng, c\u00e1c ng\u00e2n h\u00e0ng lu\u00f4n ph\u1ea3i gi\u00e0nh gi\u1eadt nhau t\u1eebng kh\u00e1ch h\u00e0ng, c\u1ea3 g\u1eedi ti\u1ec1n l\u1eabn vay ti\u1ec1n, m\u00e0 kh\u00e1ch h\u00e0ng vay v\u1ed1n v\u1eabn cho r\u1eb1ng th\u1ee7 t\u1ee5c c\u00f2n phi\u1ec1n h\u00e0, kh\u00f3 kh\u0103n, th\u00ec v\u1ea5n \u0111\u1ec1 kh\u00f4ng c\u00f2n l\u00e0 \u1edf ph\u00eda ng\u00e2n h\u00e0ng n\u1eefa.<\/p>\n

Th\u1ef1c ch\u1ea5t c\u1ee7a c\u00e2u chuy\u1ec7n l\u00e0 v\u1ea5n \u0111\u1ec1 n\u1ec1n kinh t\u1ebf n\u00f3i chung v\u00e0 doanh nghi\u1ec7p n\u00f3i ri\u00eang \u0111\u00e3 ph\u1ee5 thu\u1ed9c qu\u00e1 nhi\u1ec1u v\u00e0o v\u1ed1n vay ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ef1 qu\u00e1 ph\u1ee9c t\u1ea1p, th\u1eadm ch\u00ed \u0111\u1ebfn m\u1ee9c h\u1ed7n lo\u1ea1n v\u1ec1 m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd, m\u00f4i tr\u01b0\u1eddng x\u00e3 h\u1ed9i v\u00e0 m\u00f4i tr\u01b0\u1eddng kinh doanh qu\u00e1 x\u1ea5u, \u0111\u00e3 d\u1eabn \u0111\u1ebfn r\u1ee7i ro qu\u00e1 l\u1edbn, b\u1ed9i \u01b0\u1edbc qu\u00e1 nhi\u1ec1u, l\u00f2ng tin qu\u00e1 thi\u1ebfu, r\u1ee7i ro qu\u00e1 l\u1edbn, n\u00ean th\u1ee7 t\u1ee5c, \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n kh\u00f4ng th\u1ec3 d\u1ec5 d\u00e0ng cho vay. Th\u1ef1c t\u1ebf \u0111\u00f2i h\u1ecfi nhi\u1ec1u th\u1ee7 t\u1ee5c, \u0111i\u1ec1u ki\u1ec7n r\u1ea5t ch\u1eb7t ch\u1ebd, b\u00ean c\u1ea1nh \u0111\u00f3 h\u1ea7u nh\u01b0 \u0111\u1ec1u ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, nh\u01b0ng r\u1ed3i cu\u1ed1i c\u00f9ng n\u1ee3 x\u1ea5u, kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n v\u1eabn r\u1ea5t cao. Do \u0111\u00f3, n\u1ebfu cho vay d\u1ec5 d\u00e3i th\u00ec kh\u00f4ng bi\u1ebft h\u1eadu qu\u1ea3 c\u00f2n \u0111\u1ebfn m\u1ee9c n\u00e0o n\u1eefa.<\/p>\n

Theo \u00f4ng, \u0111\u00e2u l\u00e0 gi\u1ea3i ph\u00e1p c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng, ch\u1ea5t l\u01b0\u1ee3ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng, c\u0169ng nh\u01b0 vi\u1ec7c b\u1ea3o m\u1eadt th\u00f4ng tin th\u1ebf n\u00e0o \u0111\u1ec3 ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng y\u00ean t\u00e2m h\u01a1n?<\/em><\/p>\n

C\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng, kh\u00f4ng g\u00ec b\u1eb1ng t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng c\u1ea1nh tranh m\u1ed9t c\u00e1ch s\u00f2ng ph\u1eb3ng, c\u00f4ng khai. Ch\u1ec9 c\u00f3 c\u1ea1nh tranh th\u00ec m\u1edbi c\u00f3 s\u1ee9c \u00e9p v\u00e0 ch\u00fa tr\u1ecdng \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng. Tuy nhi\u00ean, ph\u1ea3i l\u00e0 s\u1ef1 c\u1ea1nh tranh an to\u00e0n, l\u00e0nh m\u1ea1nh v\u00e0 th\u1ef1c ch\u1ea5t, ng\u0103n ch\u1eb7n ph\u00e1t tri\u1ec3n n\u00f3ng.<\/p>\n

Ch\u1ea5t l\u01b0\u1ee3ng s\u1ebd b\u1ecb gi\u1ea3m s\u00fat n\u1ebfu gi\u1ea3m b\u1edbt 2\/3 s\u1ed1 l\u01b0\u1ee3ng ng\u00e2n h\u00e0ng nh\u1ecf nh\u01b0 ch\u1ee7 tr\u01b0\u01a1ng, thay v\u00ec c\u1ea7n gi\u1ea3m b\u1edbt s\u1ed1 ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m. C\u0169ng nh\u01b0 v\u1eady, n\u1ebfu c\u1ee9 duy tr\u00ec c\u00e1c tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c, thay v\u00ec t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t \u0111\u1ec3 \u0111i v\u00e0o l\u00e3i su\u1ea5t th\u1ef1c ch\u1ea5t c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Ri\u00eang vi\u1ec7c b\u1ea3o m\u1eadt th\u00f4ng tin c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, th\u00ec ng\u01b0\u1eddi s\u1eed d\u1ee5ng c\u00f3 th\u1ec3 y\u00ean t\u00e2m, v\u00ec kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 ch\u1ea5t l\u01b0\u1ee3ng n\u1eefa, m\u00e0 l\u00e0 nh\u1eefng \u0111\u00f2i h\u1ecfi kh\u1eaft khe m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

C\u1ea3m \u01a1n \u00f4ng v\u1ec1 cu\u1ed9c trao \u0111\u1ed5i!<\/em><\/p>\n\n\n\n
Chuy\u00ean gia kinh t\u1ebf B\u00f9i Ki\u1ebfn Th\u00e0nh:\u00a0<\/strong>Tuy\u1ec3n nh\u00e2n vi\u00ean c\u00f2n d\u1ef1a v\u00e0o phong b\u00ec!<\/em><\/p>\n

“\u0110\u1ec3 x\u1ea3y ra nh\u1eefng v\u1ee5 vi\u1ec7c vi ph\u1ea1m k\u1ec3 tr\u00ean l\u00e0 do tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng. C\u1ee5 th\u1ec3, m\u1ed9t b\u1ed9 ph\u1eadn c\u00e1n b\u1ed9 NH l\u00e0 c\u00f2n \u0111i l\u1ea5y phong b\u00ec c\u1ee7a ng\u01b0\u1eddi vay v\u1ed1n \u0111\u1ec3 n\u00e2ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a h\u1ecd l\u00ean cao h\u01a1n. B\u1edfi ng\u00e2n h\u00e0ng th\u01b0\u1eddng ch\u1ec9 cho vay 50% c\u1ee7a gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cho n\u00ean nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng n\u00e2ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00ean v\u00ed d\u1ee5 l\u00e0m hai l\u1ea7n Hay m\u00f3c n\u1ed1i v\u1edbi ng\u01b0\u1eddi vay l\u00e0m nh\u1eefng d\u1ef1 \u00e1n kh\u1ea3 thi k\u1ebf ho\u1ea1ch kinh doanh \u201c\u1ea3o\u201d khi\u1ebfn r\u1ee7i ro cho ng\u00e2n h\u00e0ng t\u0103ng th\u00eam. Do \u0111\u00f3, quy c\u1ee7 v\u00e0 ph\u00e1p lu\u1eadt l\u00e0m nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng ph\u1ea3i s\u1eafp x\u1ebfp ph\u1ea3i kh\u00e1ch quan kh\u00f4ng \u0111\u1ec3 x\u1ea3y ra ti\u00eau c\u1ef1c.<\/p>\n

Ngo\u00e0i ra c\u00f2n do kh\u00e2u tuy\u1ec3n d\u1ee5ng ng\u00e2n h\u00e0ng c\u00f3 v\u1ea5n \u0111\u1ec1, \u1edf Vi\u1ec7t Nam nhi\u1ec1u ng\u00e2n h\u00e0ng thi\u1ebfu tr\u00e1ch nhi\u1ec7m trong \u0111\u00e0o t\u1ea1o nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng cho c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean, ch\u01b0a l\u1ef1a ch\u1ecdn \u0111\u01b0\u1ee3c nh\u1eefng c\u00e1n b\u1ed9 c\u00f3 \u0111\u1ee9c, t\u00e2m l\u1eabn t\u00e0i. Tuy\u1ec3n d\u1ee5ng c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng theo \u0111\u00fang th\u1ef1c l\u1ef1c m\u00e0 c\u00f2n d\u1ef1a v\u00e0o phong bao, phong b\u00ec, tuy\u1ec3n d\u1ee5ng theo ki\u1ec3u \u201cb\u00e1n ch\u1ed7 l\u00e0m trong ng\u00e2n h\u00e0ng\u201d. Do v\u1eady, \u1edf \u0111\u00f3 s\u1ebd t\u1ed3n t\u1ea1i th\u1ef1c tr\u1ea1ng kh\u00f4ng tuy\u1ec3n d\u1ee5ng \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean m\u00e0 h\u1ecd c\u1ea7n d\u00f9ng.<\/p>\n

Ng\u00e2n h\u00e0ng ph\u1ea3i qu\u1ea3n l\u00fd r\u1ee7i ro, tr\u01b0\u1edbc khi cho vay ph\u1ea3i th\u1ea9m \u0111\u1ecbnh k\u1ef9 d\u1ef1 \u00e1n c\u1ee7a ng\u01b0\u1eddi vay \u0111\u1ec3 xem d\u1ef1 \u00e1n c\u00f3 kh\u1ea3 thi hay kh\u00f4ng?\u2026C\u00f2n ng\u01b0\u1eddi m\u00e0 xem x\u00e9t cho vay c\u0169ng ph\u1ea3i \u0111\u1ee7 kinh nghi\u1ec7m \u0111\u1ec3 gi\u00e1m \u0111\u1ecbnh m\u1ed7i h\u1ee3p \u0111\u1ed3ng cho vay? Nhi\u1ec1u khi ng\u00e2n h\u00e0ng Vi\u1ec7t Nam kh\u00f4ng c\u1ea7n bi\u1ebft d\u1ef1 \u00e1n n\u00e0o \u0111\u1ec3 l\u00e0m g\u00ec ch\u1ec9 c\u1ea7n nh\u00ecn h\u1ecd \u0111em t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p r\u1ed3i nh\u00ecn v\u00e0o \u0111\u00f3 l\u00e0 \u1ea5n \u0111\u1ecbnh cho vay bao nhi\u00eau %. Nh\u01b0 v\u1eady, l\u00e0 r\u1ea5t nguy hi\u1ec3m, b\u1edfi kh\u00f4ng th\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c ng\u01b0\u1eddi ta s\u1eed d\u1ee5ng v\u1ed1n th\u1ebf n\u00e0o?”<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

D\u01b0\u01a1ng V\u0169 Minh <\/em><\/strong>(th\u1ef1c hi\u1ec7n)<\/em><\/p>\n

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

Ch\u1ea5t l\u01b0\u1ee3ng Vi\u1ec7t Nam 10-8-2012:<\/em><\/strong><\/p>\n

http:\/\/vietq.vn\/kinh-doanh\/tai-chinh-dau-tu\/183-ma-tran-ngan-hang-can-mot-loi-thoat-bai-3<\/a><\/em><\/p>\n

(1.179\/1.615)<\/em>","protected":false},"excerpt":{"rendered":"

(CLVN) – C\u00e1c sai ph\u1ea1m trong ng\u00e2n h\u00e0ng t\u0103ng l\u00ean nhi\u1ec1u l\u00e0 do s\u1ef1 t\u0103ng tr\u01b0\u1edfng n\u00f3ng, ti\u00eau c\u1ef1c n\u00f3i chung c\u1ee7a m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf. Vi\u1ec7c tuy\u1ec3n d\u1ee5ng c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng theo \u0111\u00fang th\u1ef1c l\u1ef1c m\u00e0 c\u00f2n d\u1ef1a v\u00e0o phong bao, phong b\u00ec… \u0110\u00f3 l\u00e0 \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c chuy\u00ean […]<\/p>\n","protected":false},"author":3,"featured_media":22497,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n203. 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