{"id":23222,"date":"2012-11-24T16:13:07","date_gmt":"2012-11-24T09:13:07","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23222"},"modified":"2022-11-12T09:25:13","modified_gmt":"2022-11-12T02:25:13","slug":"235-he-luy-tu-tang-truong-nong-cua-he-thong-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/235-he-luy-tu-tang-truong-nong-cua-he-thong-ngan-hang\/","title":{"rendered":"235. H\u1ec7 l\u1ee5y t\u1eeb t\u0103ng tr\u01b0\u1edfng n\u00f3ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng: Ch\u1ea5t l\u01b0\u1ee3ng ngu\u1ed3n nh\u00e2n l\u1ef1c b\u1ecb xem nh\u1eb9"},"content":{"rendered":"(KT\u0110T) – “Nh\u00e2n s\u1ef1 ng\u00e2n h\u00e0ng hi\u1ec7n v\u1eeba th\u1eeba, v\u1eeba thi\u1ebfu; th\u1eeba nh\u00e2n l\u1ef1c y\u1ebfu v\u00e0 thi\u1ebfu nh\u00e2n l\u1ef1c ch\u1ea5t l\u01b0\u1ee3ng cao. S\u1ef1 t\u0103ng tr\u01b0\u1edfng qu\u00e1 n\u00f3ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng trong th\u1eddi gian tr\u01b0\u1edbc khi\u1ebfn nhi\u1ec1u c\u00e1n b\u1ed9 ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o, th\u1eed th\u00e1ch, ki\u1ec3m nghi\u1ec7m, nh\u01b0ng l\u1ea1i d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c giao nh\u1eefng tr\u1ecdng tr\u00e1ch, ti\u1ec1n b\u1ea1c, n\u00ean d\u1ec5 b\u1ecb x\u00f4 \u0111\u1ea9y, l\u1ee3i d\u1ee5ng”.<\/strong><\/p>\n

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Chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/strong>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/strong>\u00a0<\/em>\u0111\u00e3 chia s\u1ebb nh\u01b0 v\u1eady khi tr\u00f2 chuy\u1ec7n v\u1edbi ph\u00f3ng vi\u00ean b\u00e1o Kinh t\u1ebf & \u0110\u00f4 th\u1ecb v\u1ec1 nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00f3ng trong l\u0129nh v\u1ef1c nh\u00e2n s\u1ef1 ng\u00e2n h\u00e0ng hi\u1ec7n nay.<\/p>\n

Th\u1eeba m\u00e0 thi\u1ebfu<\/strong><\/p>\n

Th\u1eddi gian g\u1ea7n \u0111\u00e2y, d\u01b0 lu\u1eadn r\u1ed9 l\u00ean th\u00f4ng tin v\u1ec1 vi\u1ec7c nhi\u1ec1u ng\u00e2n h\u00e0ng cho th\u00f4i vi\u1ec7c h\u00e0ng lo\u1ea1t nh\u00e2n vi\u00ean do nh\u1eefng kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh. \u00d4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 th\u1ef1c t\u1ebf n\u00e0y?<\/em><\/p>\n

– V\u1ec1 Lu\u1eadt, t\u00f9y t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 m\u1edbi \u0111\u00e1nh gi\u00e1 \u0111\u01b0\u1ee3c vi\u1ec7c ng\u00e2n h\u00e0ng sa th\u1ea3i hay cho nh\u00e2n vi\u00ean th\u00f4i vi\u1ec7c l\u00e0 \u0111\u00fang hay sai. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, t\u00f4i th\u1ea5y vi\u1ec7c sa th\u1ea3i l\u00e0 b\u00ecnh th\u01b0\u1eddng. N\u1ebfu anh kh\u00f4ng l\u00e0m \u0111\u01b0\u1ee3c vi\u1ec7c th\u00ec t\u00f4i sa th\u1ea3i anh. Nh\u00e2n vi\u00ean l\u00e0m vi\u1ec7c t\u1ed1t, kh\u00f4ng \u00f4ng ch\u1ee7 n\u00e0o d\u1ea1i g\u00ec cho th\u00f4i vi\u1ec7c. T\u1ea5t nhi\u00ean, t\u00f4i lo\u1ea1i tr\u1eeb nh\u1eefng tr\u01b0\u1eddng h\u1ee3p v\u00ec m\u00e2u thu\u1eabn c\u00e1 nh\u00e2n. C\u0169ng ph\u1ea3i bi\u1ebft r\u1eb1ng, n\u1ebfu nh\u00e2n vi\u00ean c\u00f3 n\u0103ng l\u1ef1c, tr\u00ecnh \u0111\u1ed9 th\u1ef1c s\u1ef1 b\u1ecb sa th\u1ea3i, s\u1ebd c\u00f3 nh\u1eefng c\u00f4ng ty kh\u00e1c s\u1eb5n s\u00e0ng m\u1eddi ch\u00e0o ngay.<\/p>\n

Th\u1ef1c ra, nh\u00e2n s\u1ef1 ng\u00e2n h\u00e0ng hi\u1ec7n nay v\u1eeba th\u1eeba, v\u1eeba thi\u1ebfu. Th\u1eeba nh\u00e2n l\u1ef1c non y\u1ebfu v\u00e0 thi\u1ebfu nh\u00e2n l\u1ef1c ch\u1ea5t l\u01b0\u1ee3ng cao. Hi\u1ec7n, nh\u00e2n vi\u00ean b\u1ecb ng\u00e2n h\u00e0ng sa th\u1ea3i r\u1ea5t nhi\u1ec1u. Nh\u01b0ng ng\u01b0\u1ee3c l\u1ea1i, nh\u1eefng nh\u00e2n s\u1ef1 m\u1edbi c\u00f3 tr\u00ecnh \u0111\u1ed9 v\u1eabn \u0111\u01b0\u1ee3c m\u1eddi m\u1ecdc, \u0111\u00f3n ch\u00e0o v\u1edbi ch\u1ebf \u0111\u1ed9 \u0111\u00e3i ng\u1ed9 r\u1ea5t t\u1ed1t.<\/p>\n

Trong b\u1ed1i c\u1ea3nh kh\u00f3 kh\u0103n hi\u1ec7n nay, nh\u1eefng ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u ng\u00e2n h\u00e0ng n\u00ean t\u00ecm hi\u1ec3u, xem x\u00e9t; tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p \u00e1p \u0111\u1eb7t theo ki\u1ec3u ch\u00e8n \u00e9p, g\u00e2y ra nh\u1eefng b\u1ea5t m\u00e3n trong nh\u00e2n vi\u00ean.<\/p>\n

B\u00ean c\u1ea1nh nh\u1eefng nh\u00e2n vi\u00ean lu\u00f4n b\u1ecb “\u00e1n” sa th\u1ea3i \u00e1m \u1ea3nh th\u00ec c\u0169ng c\u00f3 m\u1ed9t th\u1ef1c t\u1ebf kh\u00e1c l\u00e0 nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng mu\u1ed1n ngh\u1ec9 vi\u1ec7c nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c. C\u00e1i l\u00fd c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 anh g\u00e2y ra n\u1ee3 x\u1ea5u, n\u1ee3 kh\u00f3 \u0111\u00f2i th\u00ec ph\u1ea3i \u1edf l\u1ea1i \u0111\u1ec3 gi\u1ea3i quy\u1ebft h\u1eadu qu\u1ea3. \u0110i\u1ec1u n\u00e0y c\u00f3 \u0111\u00fang Lu\u1eadt kh\u00f4ng, th\u01b0a \u00f4ng?<\/em><\/p>\n

– V\u1ec1 l\u00fd, trong qu\u00e1 tr\u00ecnh l\u00e0m vi\u1ec7c, anh g\u00e2y h\u1eadu qu\u1ea3 th\u00ec ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m gi\u1ea3i quy\u1ebft h\u1eadu qu\u1ea3 \u0111\u00f3. Tuy nhi\u00ean, trong th\u1ef1c t\u1ebf, theo t\u00f4i, vi\u1ec7c \u00e9p nh\u00e2n vi\u00ean \u1edf l\u1ea1i l\u00e0 kh\u00f4ng n\u00ean. M\u1ed9t khi h\u1ecd \u0111\u00e3 kh\u00f4ng c\u00f2n g\u1eafn b\u00f3 v\u1edbi ng\u00e2n h\u00e0ng n\u1eefa n\u1ebfu b\u1ecb bu\u1ed9c \u1edf l\u1ea1i, h\u1ecd s\u1ebd l\u00e0m vi\u1ec7c theo ki\u1ec3u \u0111\u1ed1i ph\u00f3 c\u0169ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1. Ng\u01b0\u1eddi ta \u1edf l\u1ea1i nh\u01b0ng ng\u01b0\u1eddi ta c\u1ee9 ng\u1ed3i \u0111\u00f3 v\u1edbi t\u00e2m l\u00fd ch\u00e1n n\u1ea3n v\u00e0 ch\u1eafc ch\u1eafn hi\u1ec7u qu\u1ea3 c\u00f4ng vi\u1ec7c c\u0169ng kh\u00f4ng cao.<\/p>\n

Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng gi\u1eef nh\u00e2n vi\u00ean \u1edf l\u1ea1i v\u00ec s\u1ee3 h\u1ecd g\u00e2y ra h\u1eadu qu\u1ea3 g\u00ec m\u00e0 ng\u00e2n h\u00e0ng ch\u01b0a ph\u00e1t hi\u1ec7n ra. Th\u1ebf nh\u01b0ng, n\u1ebfu h\u1ecd g\u00e2y h\u1eadu qu\u1ea3, li\u00ean quan \u0111\u1ebfn ph\u00e1p lu\u1eadt th\u00ec d\u00f9 c\u00f3 chuy\u1ec3n qua ng\u00e2n h\u00e0ng kh\u00e1c hay ngh\u1ec9 vi\u1ec7c \u1edf nh\u00e0, th\u1eadm ch\u00ed \u0111\u00e3 v\u1ec1 h\u01b0u v\u1eabn b\u1ecb tri\u1ec7u t\u1eadp \u0111\u1ec3 \u0111i\u1ec1u tra. Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng A g\u00e2y h\u1eadu qu\u1ea3 d\u00f9 \u0111\u00e3 chuy\u1ec3n sang ng\u00e2n h\u00e0ng B v\u1eabn b\u1ecb c\u01a1 quan c\u00f4ng an tri\u1ec7u t\u1eadp \u0111\u00f3 th\u00f4i. V\u00e0 t\u1ea5t nhi\u00ean, ng\u01b0\u1eddi ta s\u1ebd kh\u00f4ng c\u00f4ng b\u1ed1 th\u00f4ng tin r\u1eb1ng anh \u0111\u00f3 \u1edf ng\u00e2n h\u00e0ng B, m\u00e0 v\u1eabn l\u00e0 c\u1ef1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng A.<\/p>\n

C\u00f2n n\u1ebfu ph\u00e1t hi\u1ec7n ra nh\u00e2n vi\u00ean n\u00e0o c\u00f3 sai ph\u1ea1m th\u1eddi \u0111i\u1ec3m xin ngh\u1ec9 vi\u1ec7c th\u00ec m\u1edbi n\u00ean bu\u1ed9c h\u1ecd \u1edf l\u1ea1i \u0111\u1ec3 gi\u1ea3i quy\u1ebft. Sai v\u1eabn c\u1ee9 ph\u1ea3i x\u1eed l\u00fd, c\u00f2n ch\u01b0a ph\u00e1t hi\u1ec7n ra th\u00ec n\u1ebfu ng\u01b0\u1eddi ta mu\u1ed1n \u0111i n\u00ean t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 h\u1ecd \u0111i. \u0110\u00f3 m\u1edbi l\u00e0 lu\u1eadt ch\u01a1i s\u00f2ng ph\u1eb3ng.<\/p>\n

Nh\u00e2n s\u1ef1 ng\u00e2n h\u00e0ng bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh tr\u01b0\u1edbc s\u1ee9c \u00e9p t\u00e1i c\u01a1 c\u1ea5u, xu h\u01b0\u1edbng mua b\u00e1n v\u00e0 s\u00e1p nh\u1eadp. <\/em><\/p>\n

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\u1ea2nh: Tr\u1ea7n Vi\u1ec7t<\/em><\/p>\n

M\u1ed9t v\u00e0i ng\u00e2n h\u00e0ng kh\u00f4ng cho nh\u00e2n vi\u00ean \u0111\u01b0\u1ee3c th\u00f4i vi\u1ec7c c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t c\u00e1ch g\u00e2y kh\u00f3 d\u1ec5 cho nhau th\u00f4i. Anh \u1edf l\u1ea1i, n\u1ebfu l\u00e0m vi\u1ec7c kh\u00f4ng t\u1ed1t, kh\u00f4ng hi\u1ec7u qu\u1ea3 s\u1ebd b\u1ecb sa th\u1ea3i. Khi \u0111\u00e3 sa th\u1ea3i c\u00f3 ngh\u0129a l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c k\u1ef7 lu\u1eadt. “\u00c1n” sa th\u1ea3i s\u1ebd khi\u1ebfn nh\u00e2n vi\u00ean g\u1eb7p r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n trong cu\u1ed9c s\u1ed1ng sau n\u00e0y, nh\u1ea5t l\u00e0 khi \u0111i xin vi\u1ec7c m\u1edbi.<\/p>\n

N\u1ebfu nh\u00ecn nh\u1eadn \u1edf m\u1ed9t g\u00f3c \u0111\u1ed9 kh\u00e1c, vi\u1ec7c m\u1ed9t s\u1ed1 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ecbu n\u1ed5i s\u1ee9c \u00e9p l\u00fac kh\u00f3 kh\u0103n \u0111\u00e3 xin ngh\u1ec9 vi\u1ec7c. \u00d4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 kh\u1ea3 n\u0103ng \u1ee9ng ph\u00f3 v\u1edbi kh\u00f3 kh\u0103n c\u1ee7a nh\u00e2n vi\u00ean ng\u00e0nh n\u00e0y?<\/em><\/p>\n

– V\u1ea5n \u0111\u1ec1 n\u00e0y c\u0169ng t\u00f9y tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec3 \u0111\u00e1nh gi\u00e1. Ng\u00e0nh ng\u00e2n h\u00e0ng ch\u00fang ta \u0111\u00e3 c\u00f3 m\u1ed9t th\u1eddi gian ph\u00e1t tri\u1ec3n qu\u00e1 g\u1ea5p, qu\u00e1 n\u00f3ng. H\u1eadu qu\u1ea3 l\u00e0 tuy\u1ec3n v\u00e0o m\u1ed9t lo\u1ea1t nh\u00e2n vi\u00ean, th\u1eadm ch\u00ed c\u1ea3 nh\u00e2n s\u1ef1 c\u1ea5p cao nh\u01b0 Gi\u00e1m \u0111\u1ed1c, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c c\u00e1c ph\u00f2ng giao d\u1ecbch thi\u1ebfu k\u1ef9 n\u0103ng, tr\u00ecnh \u0111\u1ed9 chuy\u00ean m\u00f4n, d\u1eabn \u0111\u1ebfn vi\u1ec7c l\u00fac th\u1ecb tr\u01b0\u1eddng kh\u00f4ng thu\u1eadn l\u1ee3i, \u0111\u1ed9i ng\u0169 n\u00e0y kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u c\u00f4ng vi\u1ec7c.<\/p>\n

\u0110a s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng khi mu\u1ed1n gi\u1ea3m thi\u1ec3u nh\u00e2n s\u1ef1 \u0111\u1ec1u \u0111\u1ed9ng vi\u00ean nh\u00e2n vi\u00ean ngh\u1ec9. N\u1ebfu t\u1ef1 nguy\u1ec7n, anh s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9 m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u00e3i ng\u1ed9. C\u00f2n n\u1ebfu ch\u1ed1ng \u0111\u1ed1i, anh s\u1ebd b\u1ecb \u00e9p ch\u1ec9 ti\u00eau huy \u0111\u1ed9ng, cho vay r\u1ea5t cao. Kh\u00f4ng ho\u00e0n th\u00e0nh nhi\u1ec7m v\u1ee5, kh\u00f4ng ch\u1ea5p h\u00e0nh k\u1ef7 lu\u1eadt, anh s\u1ebd b\u1ecb sa th\u1ea3i. M\u00e0 c\u00e1i “\u00e1n” sa th\u1ea3i th\u00ec nh\u01b0 t\u00f4i n\u00f3i \u1edf tr\u00ean, l\u00e0 r\u1ea5t gh\u00ea g\u1edbm.<\/p>\n

Nh\u01b0 \u00f4ng v\u1eeba n\u00f3i, c\u00f3 v\u1ebb nh\u01b0 s\u1ef1 t\u0103ng tr\u01b0\u1edfng qu\u00e1 n\u00f3ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng m\u1ed9t th\u1eddi c\u0169ng g\u00e2y nhi\u1ec1u h\u1ec7 l\u1ee5y v\u1ec1 nh\u00e2n s\u1ef1, th\u01b0a \u00f4ng?<\/em><\/p>\n

– \u0110\u00fang v\u1eady, s\u1ef1 t\u0103ng tr\u01b0\u1edfng qu\u00e1 n\u00f3ng \u0111\u00e3 khi\u1ebfn nhi\u1ec1u 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 \u201cn\u00f3ng\u201d, 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\u1ed1c l\u1ea1i \u0111\u1ed9i ng\u0169 s\u1ebd g\u00f3p ph\u1ea7n t\u00edch c\u1ef1c t\u00e1i c\u01a1 c\u1ea5u l\u1ea1i ng\u00e2n h\u00e0ng<\/strong><\/p>\n

Th\u1ef1c t\u1ebf l\u00e0 nhi\u1ec1u nh\u00e2n vi\u00ean d\u00f9 b\u1ecb ng\u00e2n h\u00e0ng \u00e9p ngh\u1ec9 nh\u01b0ng kh\u00f4ng d\u00e1m l\u00ean ti\u1ebfng. T\u1ea1i sao, th\u01b0a \u00f4ng?<\/em><\/p>\n

– M\u1ed7i ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 \u0111\u1ed9i ng\u0169 ph\u00e1p ch\u1ebf am hi\u1ec3u r\u00e0nh r\u1ebd ph\u00e1p lu\u1eadt n\u00ean vi\u1ec7c nh\u00e2n vi\u00ean “ki\u1ec7n” ng\u00e2n h\u00e0ng ch\u1eb3ng kh\u00e1c g\u00ec “con ki\u1ebfn ki\u1ec7n c\u1ee7 khoai”. H\u01a1n n\u1eefa, ng\u00e2n h\u00e0ng lu\u00f4n “c\u1ea7m \u0111\u1eb1ng chu\u00f4i” trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng. V\u00ed d\u1ee5, h\u1ecd gi\u1eef l\u1ea1i c\u00e1c lo\u1ea1i b\u1eb1ng c\u1ea5p chuy\u00ean m\u00f4n trong th\u1ecfa thu\u1eadn h\u1ee3p \u0111\u1ed3ng v\u1edbi nh\u00e2n vi\u00ean. V\u1ec1 lu\u1eadt, c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean ph\u1ea3i tu\u00e2n th\u1ee7 m\u1ecdi s\u1ef1 s\u1eafp x\u1ebfp, thuy\u00ean chuy\u1ec3n c\u1ee7a c\u01a1 quan s\u1eed d\u1ee5ng lao \u0111\u1ed9ng. Tuy nhi\u00ean, n\u1ebfu ai \u0111\u00f3 \u0111ang c\u00f3 gia \u0111\u00ecnh, ch\u1ed3ng con, b\u1ed1 m\u1eb9 \u1edf H\u00e0 N\u1ed9i, sao c\u00f3 th\u1ec3 “kh\u0103n g\u00f3i” v\u00e0o Ngh\u1ec7 An hay sang Campuchia l\u00e0m vi\u1ec7c \u0111\u01b0\u1ee3c. V\u1ec1 l\u00fd, \u0111\u01b0\u01a1ng nhi\u00ean l\u00e0 ng\u00e2n h\u00e0ng \u0111\u00fang. Nh\u01b0ng n\u1ebfu c\u0103n c\u1ee9 v\u00e0o th\u1ef1c t\u1ebf th\u00ec vi\u1ec7c thuy\u00ean chuy\u1ec3n n\u00e0y l\u00e0 b\u1ea5t kh\u1ea3 kh\u00e1ng.<\/p>\n

V\u1ea5n \u0111\u1ec1 quan tr\u1ecdng nh\u1ea5t l\u00e0 t\u00e2m l\u00fd ng\u01b0\u1eddi Vi\u1ec7t Nam. \u1ede n\u01b0\u1edbc ngo\u00e0i, vi\u1ec7c sa th\u1ea3i l\u00e0 r\u1ea5t b\u00ecnh th\u01b0\u1eddng. Nh\u01b0ng \u1edf Vi\u1ec7t Nam, “\u0111\u1ecbnh ki\u1ebfn” x\u00e3 h\u1ed9i v\u1edbi c\u00e1c th\u00e0nh ph\u1ea7n “n\u1ed5i lo\u1ea1n” khi\u1ebfn nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng d\u00f9 c\u00f3 b\u1ecb \u00e9p ngh\u1ec9 c\u0169ng kh\u00f4ng d\u00e1m l\u00ean ti\u1ebfng. H\u01a1n n\u1eefa, nh\u1eefng h\u1ed3 s\u01a1 c\u00f3 “\u00e1n sa th\u1ea3i” c\u0169ng d\u1ec5 m\u1ea5t \u0111i\u1ec3m khi \u0111i xin vi\u1ec7c m\u1edbi.<\/p>\n

C\u0169ng c\u00f3 m\u1ed9t nguy\u00ean nh\u00e2n n\u1eefa l\u00e0 nhi\u1ec1u khi “ch\u1edd \u0111\u01b0\u1ee3c m\u1ea1 th\u00ec m\u00e1 \u0111\u00e3 s\u01b0ng”. B\u1edfi v\u1eady, h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt ph\u1ea3i l\u00e0m sao khuy\u1ebfn kh\u00edch v\u00e0 b\u1ea3o v\u1ec7 nh\u1eefng ng\u01b0\u1eddi d\u00e1m n\u00f3i l\u00ean s\u1ef1 th\u1eadt. Th\u1eddi kh\u00f3 kh\u0103n, vi\u1ec7c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng b\u1ecb b\u1eaft, b\u1ecb t\u1ea1m gi\u1eef… kh\u00f4ng c\u00f2n l\u00e0 chuy\u1ec7n hi\u1ebfm. \u00d4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 v\u1ea5n \u0111\u1ec1 \u0111\u1ea1o \u0111\u1ee9c \u1edf ng\u00e0nh ng\u00e2n h\u00e0ng – m\u1ed9t ng\u00e0nh v\u1ed1n r\u1ea5t c\u1ea7n s\u1ef1 minh b\u1ea1ch?<\/em><\/p>\n

– Th\u1ef1c ra, c\u00e2u chuy\u1ec7n \u0111\u1ea1o \u0111\u1ee9c c\u00e1n b\u1ed9 \u0111\u00e2u ch\u1ec9 n\u00f3ng \u1edf ri\u00eang l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. \u0110\u1ea1o \u0111\u1ee9c con ng\u01b0\u1eddi l\u00e0 t\u1ed5ng h\u00f2a c\u1ee7a b\u1ea3n ch\u1ea5t, qu\u00e1 tr\u00ecnh \u0111\u00e0o t\u1ea1o, gi\u00e1o d\u1ee5c v\u00e0 qu\u1ea3n l\u00fd. Tuy nhi\u00ean, \u0111i\u1ec1u \u0111\u00e1ng n\u00f3i l\u00e0 nhi\u1ec1u khi c\u01a1 ch\u1ebf h\u00e0nh ch\u00ednh kh\u00f4ng ph\u00f9 h\u1ee3p l\u1ea1i t\u1ea1o ra k\u1ebd h\u1edf cho nh\u00e2n vi\u00ean “l\u00e0m li\u1ec1u”.<\/p>\n

V\u00ed d\u1ee5 nh\u01b0 vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t. N\u1ebfu anh c\u00f3 1 – 2 t\u1ef7 \u0111\u1ed3ng, m\u1ed7i ng\u00e0y anh ph\u1ea3i nh\u1eadn \u0111\u01b0\u1ee3c ch\u1ee5c cu\u1ed9c \u0111i\u1ec7n tho\u1ea1i m\u1eddi ch\u00e0o l\u00e3i su\u1ea5t t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng c\u1ea1nh tranh, th\u1eadm ch\u00ed l\u00e0 gi\u00e0nh gi\u1eadt nhau. C\u00f3 v\u01b0\u1ee3t tr\u1ea7n, t\u1ee9c l\u00e0 c\u00f3 hai ch\u1ebf \u0111\u1ed9 s\u1ed5 s\u00e1ch \u0111\u1ec3 h\u1ee3p th\u1ee9c h\u00f3a kho\u1ea3n v\u01b0\u1ee3t tr\u1ea7n \u0111\u00f3.<\/p>\n

\u0110\u00e2y ch\u1ec9 l\u00e0 m\u1ed9t trong r\u1ea5t nhi\u1ec1u v\u00ed d\u1ee5 v\u1ec1 vi\u1ec7c “chi\u1ebfc \u00e1o” h\u00e0nh ch\u00ednh qu\u00e1 ch\u1eadt n\u00ean m\u1edbi c\u00f3 nh\u1eefng k\u1ebd h\u1edf cho nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng l\u00e1ch.<\/p>\n

T\u1ea5t nhi\u00ean, kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn r\u1eb1ng, nh\u1eefng sai ph\u1ea1m trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng t\u0103ng l\u00ean l\u00e0 do s\u1ef1 non n\u1edbt v\u1ec1 tr\u00ecnh \u0111\u1ed9 nghi\u1ec7p v\u1ee5, nh\u1eadn th\u1ee9c, kinh nghi\u1ec7m \u1ee9ng x\u1eed v\u00e0 b\u1ea3n l\u0129nh nh\u00e2n vi\u00ean tr\u01b0\u1edbc nh\u1eefng c\u00e1m d\u1ed7.<\/p>\n

N\u0103m 2012 c\u00f3 th\u1ec3 n\u00f3i l\u00e0 m\u1ed9t n\u0103m n\u1edf r\u1ed9 nh\u00e2n s\u1ef1 “ngo\u1ea1i” trong \u0111\u1ed9i ng\u0169 l\u00e3nh \u0111\u1ea1o cao c\u1ea5p c\u1ee7a ng\u00e2n h\u00e0ng. C\u00f3 ph\u1ea3i v\u00ec nh\u00e2n s\u1ef1 trong n\u01b0\u1edbc ch\u01b0a \u0111\u1ee7 ni\u1ec1m tin \u0111\u1ec3 H\u0110QT ng\u00e2n h\u00e0ng m\u1eddi v\u00e0o nh\u1eefng v\u1ecb tr\u00ed ch\u1ee7 ch\u1ed1t kh\u00f4ng, th\u01b0a \u00f4ng?<\/em><\/p>\n

– Th\u1ef1c ra, nh\u00e2n s\u1ef1 n\u1ed9i hay ngo\u1ea1i \u0111\u1ec1u c\u00f3 nh\u1eefng \u01b0u, khuy\u1ebft \u0111i\u1ec3m c\u1ee7a n\u00f3. Nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1edbn t\u1ea1i Vi\u1ec7t Nam, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c, Ph\u00f3 T\u1ed5ng \u0111\u1ec1u l\u00e0 ng\u01b0\u1eddi Vi\u1ec7t Nam nh\u01b0ng v\u1eabn ho\u1ea1t \u0111\u1ed9ng t\u1ed1t \u0111\u1ea5y th\u00f4i. Theo t\u00f4i \u0111i\u1ec1u quan tr\u1ecdng hi\u1ec7n nay l\u00e0 ph\u1ea3i c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p ch\u1ea5n ch\u1ec9nh ngay nh\u1eefng y\u1ebfu k\u00e9m, s\u1ed1c l\u1ea1i ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1ed9i ng\u0169 nh\u00e2n l\u1ef1c ng\u00e0nh ng\u00e2n h\u00e0ng. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ed9i dung quan tr\u1ecdng t\u00e1i c\u01a1 c\u1ea5u l\u1ea1i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111ang \u0111\u01b0\u1ee3c tri\u1ec3n khai.<\/p>\n

Xin c\u1ea3m \u01a1n \u00f4ng!<\/em><\/p>\n

\u0110inh Nguy\u1ec5n th\u1ef1c hi\u1ec7n <\/strong><\/p>\n

1\/4 trang nh\u1ea5t v\u00e0 c\u1ea3 trang 3 (A3)<\/em><\/p>\n

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

Kinh t\u1ebf v\u00e0 \u0110\u00f4 th\u1ecb 24-11-2012:<\/strong><\/em><\/p>\n

http:\/\/ktdt.com.vn\/news\/detail\/349625\/chat-luong-nguon-nhan-luc-bi-xem-nhe.aspx<\/u><\/em><\/p>\n

(1.796\/1.796)<\/em>","protected":false},"excerpt":{"rendered":"

(KT\u0110T) – “Nh\u00e2n s\u1ef1 ng\u00e2n h\u00e0ng hi\u1ec7n v\u1eeba th\u1eeba, v\u1eeba thi\u1ebfu; th\u1eeba nh\u00e2n l\u1ef1c y\u1ebfu v\u00e0 thi\u1ebfu nh\u00e2n l\u1ef1c ch\u1ea5t l\u01b0\u1ee3ng cao. S\u1ef1 t\u0103ng tr\u01b0\u1edfng qu\u00e1 n\u00f3ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng trong th\u1eddi gian tr\u01b0\u1edbc khi\u1ebfn nhi\u1ec1u c\u00e1n b\u1ed9 ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o, th\u1eed th\u00e1ch, ki\u1ec3m nghi\u1ec7m, nh\u01b0ng l\u1ea1i d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c giao nh\u1eefng tr\u1ecdng […]<\/p>\n","protected":false},"author":3,"featured_media":23223,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-23222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n235. H\u1ec7 l\u1ee5y t\u1eeb t\u0103ng tr\u01b0\u1edfng n\u00f3ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng: Ch\u1ea5t l\u01b0\u1ee3ng ngu\u1ed3n nh\u00e2n l\u1ef1c b\u1ecb xem nh\u1eb9 - 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\/235-he-luy-tu-tang-truong-nong-cua-he-thong-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]235. H\u1ec7 l\u1ee5y t\u1eeb t\u0103ng tr\u01b0\u1edfng n\u00f3ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng: Ch\u1ea5t l\u01b0\u1ee3ng ngu\u1ed3n nh\u00e2n l\u1ef1c b\u1ecb xem nh\u1eb9[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(KT\u0110T) – “Nh\u00e2n s\u1ef1 ng\u00e2n h\u00e0ng hi\u1ec7n v\u1eeba th\u1eeba, v\u1eeba thi\u1ebfu; th\u1eeba nh\u00e2n l\u1ef1c y\u1ebfu v\u00e0 thi\u1ebfu nh\u00e2n l\u1ef1c ch\u1ea5t l\u01b0\u1ee3ng cao. S\u1ef1 t\u0103ng tr\u01b0\u1edfng qu\u00e1 n\u00f3ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng trong th\u1eddi gian tr\u01b0\u1edbc khi\u1ebfn nhi\u1ec1u c\u00e1n b\u1ed9 ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o, th\u1eed th\u00e1ch, ki\u1ec3m nghi\u1ec7m, nh\u01b0ng l\u1ea1i d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c giao nh\u1eefng tr\u1ecdng […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/235-he-luy-tu-tang-truong-nong-cua-he-thong-ngan-hang\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-24T09:13:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-12T02:25:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/235.png\" \/>\n\t<meta property=\"og:image:width\" content=\"704\" \/>\n\t<meta property=\"og:image:height\" content=\"406\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/vi\/235-he-luy-tu-tang-truong-nong-cua-he-thong-ngan-hang\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/235-he-luy-tu-tang-truong-nong-cua-he-thong-ngan-hang\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"235. 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