{"id":29215,"date":"2015-10-28T09:21:05","date_gmt":"2015-10-28T02:21:05","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29215"},"modified":"2022-06-23T09:23:01","modified_gmt":"2022-06-23T02:23:01","slug":"811-bon-nam-dai-phau-ngan-hang-duoc-gi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/811-bon-nam-dai-phau-ngan-hang-duoc-gi\/","title":{"rendered":"811. B\u1ed1n n\u0103m \u201c\u0111\u1ea1i ph\u1eabu\u201d ng\u00e2n h\u00e0ng, \u0111\u01b0\u1ee3c g\u00ec?"},"content":{"rendered":"<strong>(TP) &#8211; Sau 4 n\u0103m t\u00e1i c\u01a1 c\u1ea5u, cu\u1ed9c \u201c\u0111\u1ea1i ph\u1eabu\u201d h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ngo\u00e0i vi\u1ec7c gi\u1ea3m v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng, t\u1eeb 42 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) xu\u1ed1ng ch\u1ec9 c\u00f2n 34, \u0111\u1ebfn nay c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u00f3 ho\u1ea1t \u0111\u1ed9ng l\u00e0nh m\u1ea1nh nh\u01b0 k\u1ef3 v\u1ecdng?<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-29216 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/12-6.jpg\" alt=\"\" width=\"440\" height=\"250\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/12-6.jpg 440w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/12-6-350x198.jpg 350w\" sizes=\"auto, (max-width: 440px) 100vw, 440px\" \/><\/p>\n<p><em>4 n\u0103m t\u00e1i c\u01a1 c\u1ea5u, kh\u00f4ng c\u00f3 ng\u00e2n h\u00e0ng ph\u00e1 s\u1ea3n, ch\u1ec9 b\u1ecb mua l\u1ea1i 0 \u0111\u1ed3ng. \u1ea2nh: Tr\u1ea7n Vi\u1ec7t<\/em><\/p>\n<p><strong>\u0110i qua t\u00e2m b\u00e3o<\/strong><\/p>\n<p>Theo s\u1ed1 li\u1ec7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), \u0111\u1ebfn nay s\u1ed1 l\u01b0\u1ee3ng c\u00e1c TCTD \u0111\u00e3 gi\u1ea3m 17 \u0111\u01a1n v\u1ecb so v\u1edbi 4 n\u0103m tr\u01b0\u1edbc (th\u00f4ng qua c\u00e1c h\u00ecnh th\u1ee9c s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t ho\u1eb7c thanh l\u00fd (c\u00f3 2 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111ang trong qu\u00e1 tr\u00ecnh thanh l\u00fd). C\u00f3 8 c\u00e1i t\u00ean bi\u1ebfn m\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng g\u1ed3m: MDBank, MHB, DaiABank, Ficombank, TinNghiaBank, SouthernBank, WesternBank, Habubank. C\u1ea3 h\u1ec7 th\u1ed1ng ch\u1ec9 c\u00f2n 34 NHTM, thay v\u00ec 42 nh\u01b0 tr\u01b0\u1edbc.<\/p>\n<p>Nh\u00ecn l\u1ea1i 4 n\u0103m t\u00e1i c\u01a1 c\u1ea5u, PGS- TS Tr\u1ea7n Ho\u00e0ng Ng\u00e2n, \u0110\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i nh\u1eadn x\u00e9t: \u201cSau cu\u1ed9c \u201c\u0111\u1ea1i ph\u1eabu\u201d v\u1eeba qua, t\u00f4i \u0111\u00e1nh gi\u00e1 s\u1ed1 l\u01b0\u1ee3ng NHTM \u0111ang t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n \u1edf m\u1ee9c v\u1eeba ph\u1ea3i. V\u1ea5n \u0111\u1ec1 quan tr\u1ecdng kh\u00f4ng ph\u1ea3i th\u1eeba hay thi\u1ebfu, \u00edt hay nhi\u1ec1u m\u00e0 l\u00e0 ki\u1ec3m so\u00e1t b\u1ed9 m\u00e1y ho\u1ea1t \u0111\u1ed9ng l\u00e0m sao hi\u1ec7u qu\u1ea3, an to\u00e0n\u201d. V\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng, \u00f4ng Ng\u00e2n ph\u00e2n t\u00edch: C\u00e1c TCTD y\u1ebfu k\u00e9m v\u1ec1 c\u01a1 b\u1ea3n \u0111\u1ec1u ph\u1ee5c h\u1ed3i kh\u00e1 t\u1ed1t theo ph\u01b0\u01a1ng \u00e1n \u0111\u01b0\u1ee3c duy\u1ec7t, t\u1eebng b\u01b0\u1edbc x\u1eed l\u00fd l\u1ed7 l\u0169y k\u1ebf, n\u1ee3 x\u1ea5u, t\u0103ng tr\u01b0\u1edfng t\u1ed1t v\u00e0 kinh doanh c\u00f3 l\u00e3i, m\u1ee9c \u0111\u1ed9 an to\u00e0n, t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh.<\/p>\n<p>TS Tr\u01b0\u01a1ng V\u0103n Ph\u01b0\u1edbc, Ph\u00f3 Ch\u1ee7 t\u1ecbch \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh Qu\u1ed1c gia cho r\u1eb1ng, d\u00f9 v\u1eabn g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd n\u1ee3, nh\u01b0ng h\u1ec7 th\u1ed1ng TCTD v\u1eabn \u0111\u1ea3m b\u1ea3o sinh l\u1eddi. Ngo\u1ea1i tr\u1eeb 3 TCTD thua l\u1ed7, l\u1ee3i nhu\u1eadn sau thu\u1ebf c\u1ee7a c\u1ea3 ng\u00e0nh ng\u00e2n h\u00e0ng n\u0103m 2014 kho\u1ea3ng 34 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, t\u0103ng 5,3% so v\u1edbi 2013 v\u00e0 t\u0103ng 13,8% so v\u1edbi 2012. \u201cH\u1ec7 th\u1ed1ng TCTD v\u1eabn duy tr\u00ec v\u00e0 \u0111\u1ea3m b\u1ea3o ngh\u0129a v\u1ee5 \u0111\u00f3ng g\u00f3p \u0111\u1ed1i v\u1edbi NSNN\u201d, \u00f4ng cho bi\u1ebft.<\/p>\n<p><strong>Ng\u00e2n h\u00e0ng ph\u00e1 s\u1ea3n,\u00a0t\u1ea1i sao kh\u00f4ng?\u00a0<\/strong><\/p>\n<p>N\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y NHNN ch\u1ec9 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n \u1edf 5 ng\u00e2n h\u00e0ng Agribank, Vietcombank, BIDV, Vietinbank v\u00e0 MHB, \u0111\u1ebfn nay con s\u1ed1 \u1ea5y \u0111\u00e3 t\u0103ng l\u00ean g\u1ea5p \u0111\u00f4i (g\u1ed3m s\u1edf h\u1eefu th\u00eam 100% v\u1ed1n c\u1ee7a 3 ng\u00e2n h\u00e0ng mua l\u1ea1i 0 \u0111\u1ed3ng l\u00e0 VNCB, OceanBank v\u00e0 GP.Bank).<\/p>\n<p><em><strong>\u201cQu\u00e1 tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u, x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00e0nh c\u00f4ng nh\u1ea5t \u0111\u1ecbnh, ph\u00f9 h\u1ee3p v\u1edbi \u201cth\u1ec3 tr\u1ea1ng\u201d, t\u00ecnh h\u00ecnh kinh t\u1ebf c\u1ee7a n\u01b0\u1edbc ta. Trong b\u1ed1i c\u1ea3nh kh\u00f4ng c\u00f3 \u201cti\u1ec1n t\u01b0\u01a1i, th\u00f3c th\u1eadt\u201d, c\u00e1ch t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1eb7t an to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00ean h\u00e0ng \u0111\u1ea7u l\u00e0 ph\u01b0\u01a1ng \u00e1n t\u1ed1i \u01b0u\u201d.<\/strong><\/em><\/p>\n<p><strong>PGS. TS\u00a0Tr\u1ea7n Ho\u00e0ng Ng\u00e2n<\/strong><\/p>\n<p>C\u00e2u chuy\u1ec7n mua ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng \u0111\u1ebfn nay v\u1eabn \u201cn\u00f3ng\u201d v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd. \u0110\u00e2y l\u00e0 bi\u1ec7n ph\u00e1p x\u1eed l\u00fd m\u1ea1nh tay, kh\u1eb3ng \u0111\u1ecbnh quy\u1ebft t\u00e2m c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 NHNN trong vi\u1ec7c ki\u00ean quy\u1ebft x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m. Tuy nhi\u00ean, kh\u00f4ng \u00edt th\u1eafc m\u1eafc v\u1ec1 vi\u1ec7c nhi\u1ec1u c\u1ed5 \u0111\u00f4ng b\u1ed7ng ch\u1ed1c m\u1ea5t v\u1ed1n.<\/p>\n<p><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng, qu\u00e1 tr\u00ecnh x\u1eed l\u00fd 3 ng\u00e2n h\u00e0ng n\u00f3i tr\u00ean \u1ea3nh h\u01b0\u1edfng kh\u00e1 m\u1ea1nh \u0111\u1ebfn t\u00e2m l\u00fd c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00f3i chung, c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang. \u201cR\u1ea5t c\u1ea7n thi\u1ebft ph\u1ea3i c\u00f4ng b\u1ed1 th\u00f4ng tin m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3, \u0111\u1ea7y \u0111\u1ee7, k\u1ecbp th\u1eddi, minh b\u1ea1ch v\u00e0 gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng, ch\u00ednh x\u00e1c v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd, c\u0169ng nh\u01b0 th\u1ef1c tr\u1ea1ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng b\u1ecb mua v\u1edbi gi\u00e1 0 \u0111\u1ed3ng\u201d, \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n<p>B\u00e0 L\u00ea Th\u1ecb Nga, Ph\u00f3 Ch\u1ee7 nhi\u1ec7m \u1ee6y ban T\u01b0 ph\u00e1p c\u1ee7a Qu\u1ed1c h\u1ed9i c\u0169ng l\u01b0u \u00fd, Qu\u1ef9 Ti\u1ec1n t\u1ec7 qu\u1ed1c t\u1ebf t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 \u0111\u00e1nh gi\u00e1 gi\u1ea3i ph\u00e1p NHNN mua l\u1ea1i ch\u1ec9 n\u00ean l\u00e0 b\u01b0\u1edbc \u0111i \u0111\u1ea7u ti\u00ean h\u01b0\u1edbng \u0111\u1ebfn khu\u00f4n kh\u1ed5 ph\u00f9 h\u1ee3p v\u1ec1 thanh l\u00fd v\u00e0 ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng. Th\u00f4ng qua \u0111\u00f3, nguy\u00ean t\u1eafc k\u1ef7 lu\u1eadt th\u1ecb tr\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u0103ng c\u01b0\u1eddng \u0111\u1ed1i v\u1edbi c\u1ea3 c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n.<strong>\u00a0<\/strong>\u201c\u0110\u1ec3 m\u1ed9t ng\u00e2n h\u00e0ng ph\u00e1 s\u1ea3n s\u1ebd l\u00e0 m\u1ed9t b\u00e0i h\u1ecdc t\u1ed1t cho c\u1ea3 gi\u1edbi ng\u00e2n h\u00e0ng l\u1eabn ng\u01b0\u1eddi d\u00e2n g\u1eedi ti\u1ec1n, m\u1ed9t bi\u1ec7n ph\u00e1p h\u1eefu hi\u1ec7u ch\u1ed1ng l\u1ea1i th\u00f3i \u201c\u1ef7 th\u1ebf l\u00e0m li\u1ec1u\u201d c\u1ee7a c\u1ea3 hai b\u00ean. H\u01a1n n\u1eefa, \u0111\u1ec3 c\u00e1c TCTD y\u1ebfu k\u00e9m ph\u00e1 s\u1ea3n s\u1ebd c\u00f4ng b\u1eb1ng h\u01a1n, v\u00ec nh\u01b0 v\u1eady Nh\u00e0 n\u01b0\u1edbc s\u1ebd kh\u00f4ng ph\u1ea3i can thi\u1ec7p gi\u1ea3i c\u1ee9u d\u1ef1a tr\u00ean ti\u1ec1n thu\u1ebf t\u1eeb nh\u1eefng ng\u01b0\u1eddi d\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c l\u1ee3i g\u00ec t\u1eeb nh\u1eefng ng\u00e2n h\u00e0ng n\u00e0y\u201d, b\u00e0 Nga khuy\u1ebfn ngh\u1ecb.<\/p>\n<p>Theo t\u00ecm hi\u1ec3u, \u0111\u01b0\u1ee3c bi\u1ebft, \u0111\u1ec3 c\u00e2n \u0111\u1ed1i ho\u1ea1t \u0111\u1ed9ng, NHNN \u0111\u00e3 ph\u1ea3i tr\u00ecnh xin Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 m\u1ed9t c\u01a1 ch\u1ebf \u0111\u1eb7c bi\u1ec7t: cho ba ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng m\u1ed9t m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 danh ngh\u0129a. Theo k\u1ecbch b\u1ea3n c\u1ee7a NHNN, n\u1ebfu c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u01a1 ch\u1ebf ch\u00ednh s\u00e1ch, s\u1ef1 ph\u1ed1i h\u1ee3p c\u1ee7a c\u00e1c ban ng\u00e0nh ch\u1ee9c n\u0103ng, tri\u1ec3n khai ph\u01b0\u01a1ng \u00e1n kinh doanh m\u1edbi ch\u1eb7t ch\u1ebd, \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng kh\u00f4ng qu\u00e1 x\u1ea5u \u0111i, ba ng\u00e2n h\u00e0ng tr\u00ean c\u00f3 th\u1ec3 h\u1ed3i l\u1ea1i \u0111\u01b0\u1ee3c m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u1ef1c trong v\u00f2ng 5 n\u0103m. C\u00f2n hi\u1ec7n t\u1ea1i, v\u1ed1n \u0111i\u1ec1u l\u1ec7 l\u00e0 danh ngh\u0129a, \u0111\u1ec3 tham chi\u1ebfu cho c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1ec1 gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng. V\u00ec \u0111\u1ec3 nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u00f3 ho\u1ea1t \u0111\u1ed9ng v\u00e0 t\u00ecm c\u00e1ch kh\u1eafc ph\u1ee5c nh\u1eefng t\u1ed3n t\u1ea1i, h\u1ecd ph\u1ea3i \u0111\u01b0\u1ee3c cho vay m\u1edbi.<\/p>\n<p><strong>Kh\u00e1nh Huy\u1ec1n<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p><strong><em>Ti\u1ec1n phong (Kinh t\u1ebf) 28-10-2015:<\/em><\/strong><\/p>\n<p><em>http:\/\/www.tienphong.vn\/Kinh-Te\/bon-nam-dai-phau-ngan-hang-duoc-gi-926043.tpo<\/em><\/p>\n<p>(90\/959)","protected":false},"excerpt":{"rendered":"<p>(TP) &#8211; Sau 4 n\u0103m t\u00e1i c\u01a1 c\u1ea5u, cu\u1ed9c \u201c\u0111\u1ea1i ph\u1eabu\u201d h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ngo\u00e0i vi\u1ec7c gi\u1ea3m v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng, t\u1eeb 42 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) xu\u1ed1ng ch\u1ec9 c\u00f2n 34, \u0111\u1ebfn nay c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u00f3 ho\u1ea1t \u0111\u1ed9ng l\u00e0nh m\u1ea1nh nh\u01b0 k\u1ef3 v\u1ecdng? 4 n\u0103m t\u00e1i c\u01a1 c\u1ea5u, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29216,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>811. B\u1ed1n n\u0103m \u201c\u0111\u1ea1i ph\u1eabu\u201d ng\u00e2n h\u00e0ng, \u0111\u01b0\u1ee3c g\u00ec? - 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\/811-bon-nam-dai-phau-ngan-hang-duoc-gi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]811. 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