{"id":29863,"date":"2015-10-07T16:15:53","date_gmt":"2015-10-07T09:15:53","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29863"},"modified":"2022-06-24T16:17:28","modified_gmt":"2022-06-24T09:17:28","slug":"793-ba-nam-tai-co-cau-va-xu-ly-no-xau-giu-vung-on-dinh-he-thong-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/793-ba-nam-tai-co-cau-va-xu-ly-no-xau-giu-vung-on-dinh-he-thong-ngan-hang\/","title":{"rendered":"793. Ba n\u0103m t\u00e1i c\u01a1 c\u1ea5u v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u: Gi\u1eef v\u1eefng \u1ed5n \u0111\u1ecbnh h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng"},"content":{"rendered":"(TBNH) – \u0110\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 mua NH v\u1edbi gi\u00e1 0 \u0111\u1ed3ng, TS. L\u00ea Xu\u00e2n Ngh\u0129a \u0111\u00e1nh gi\u00e1 \u0111\u00e2y l\u00e0 c\u00e1ch l\u00e0m nhanh v\u00e0 th\u00f4ng minh c\u1ee7a NHNN trong vi\u1ec7c t\u00e1i c\u1ea5u tr\u00fac nh\u1eefng NH c\u00f3 nguy c\u01a1 \u0111\u1ed5 v\u1ee1.<\/strong><\/p>\n

\u0110\u1ec1 \u00e1n \u201cC\u01a1 c\u1ea5u l\u1ea1i h\u1ec7 th\u1ed1ng c\u00e1c TCTD giai \u0111o\u1ea1n 2011 – 2015\u201d \u0111ang d\u1ea7n \u201cc\u00e1n \u0111\u00edch\u201d theo \u0111\u00fang l\u1ed9 tr\u00ecnh. Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a ph\u1ea7n \u0111\u00f4ng c\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch, c\u01a1 quan qu\u1ea3n l\u00fd, c\u00e1c chuy\u00ean gia kinh t\u1ebf, v\u1ec1 c\u01a1 b\u1ea3n NHNN \u0111\u00e3 ki\u1ec3m so\u00e1t v\u00e0 t\u1eebng b\u01b0\u1edbc x\u1eed l\u00fd \u0111\u01b0\u1ee3c c\u00e1c TCTD y\u1ebfu k\u00e9m, l\u00e0nh m\u1ea1nh h\u00f3a m\u00f4i tr\u01b0\u1eddng kinh doanh NH.<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng<\/em>\u00a0tr\u00e2n tr\u1ecdng g\u1eedi t\u1edbi b\u1ea1n \u0111\u1ecdc nh\u1eefng \u00fd ki\u1ebfn xung quanh v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
PGS-TS. Nguy\u1ec5n Kim Anh<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

PGS-TS. Nguy\u1ec5n Kim Anh, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN:<\/em><\/p>\n

Gi\u1eef v\u1eefng \u1ed5n \u0111\u1ecbnh h\u1ec7 th\u1ed1ng NH<\/strong><\/p>\n

Sau h\u01a1n 3 n\u0103m tri\u1ec3n khai th\u1ef1c hi\u1ec7n \u0110\u1ec1 \u00e1n c\u01a1 c\u1ea5u l\u1ea1i h\u1ec7 th\u1ed1ng c\u00e1c TCTD, c\u00f3 th\u1ec3 n\u00f3i, c\u00e1c TCTD \u0111\u00e3 t\u1eadp trung c\u1ee7ng c\u1ed1, ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng kinh doanh ch\u00ednh, \u0111\u1ed5i m\u1edbi qu\u1ea3n tr\u1ecb NH ph\u00f9 h\u1ee3p h\u01a1n c\u00e1c th\u00f4ng l\u1ec7, chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf.<\/p>\n

Nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u1ed5i c\u1ed9m nh\u01b0: s\u1edf h\u1eefu ch\u00e9o, \u0111\u1ea7u t\u01b0 ch\u00e9o \u0111\u00e3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd m\u1ed9t b\u01b0\u1edbc quan tr\u1ecdng. V\u1ea5n \u0111\u1ec1 s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t, mua l\u1ea1i c\u00e1c TCTD c\u0169ng di\u1ec5n ra m\u1ea1nh m\u1ebd v\u1eeba nh\u1eb1m x\u1eed l\u00fd nh\u1eefng TCTD y\u1ebfu k\u00e9m, v\u1eeba t\u0103ng quy m\u00f4, n\u0103ng l\u1ef1c c\u1ea1nh tranh. Trong giai \u0111o\u1ea1n t\u1eeb n\u0103m 2011 \u0111\u1ebfn nay, s\u1ed1 l\u01b0\u1ee3ng TCTD, chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i \u0111\u00e3 gi\u1ea3m 17 t\u1ed5 ch\u1ee9c th\u00f4ng qua s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t, gi\u1ea3i th\u1ec3, r\u00fat gi\u1ea5y ph\u00e9p.<\/p>\n

Tri\u1ec3n khai \u0110\u1ec1 \u00e1n 254, NHNN \u0111\u00e3 x\u00e2y d\u1ef1ng \u0110\u1ec1 \u00e1n \u201cX\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c TCTD\u201d v\u00e0 \u0110\u1ec1 \u00e1n \u201cTh\u00e0nh l\u1eadp C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD Vi\u1ec7t Nam (VAMC)\u201d. V\u1edbi t\u1ea5t c\u1ea3 n\u1ed7 l\u1ef1c v\u00e0 gi\u1ea3i ph\u00e1p c\u1ee7a ng\u00e0nh NH v\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u00e1c b\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng, m\u1ed9t kh\u1ed1i l\u01b0\u1ee3ng l\u1edbn n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c TCTD \u0111\u00e3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n.<\/p>\n

T\u1eeb n\u0103m 2012 \u0111\u1ebfn h\u1ebft th\u00e1ng 8\/2015, h\u1ec7 th\u1ed1ng c\u00e1c TCTD \u0111\u00e3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c 424,14 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng n\u1ee3 x\u1ea5u (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 91,2% t\u1ed5ng s\u1ed1 n\u1ee3 x\u1ea5u \u01b0\u1edbc t\u00ednh t\u1ea1i th\u1eddi \u0111i\u1ec3m th\u00e1ng 9\/2012), trong \u0111\u00f3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u qua VAMC chi\u1ebfm 41,3%, c\u00f2n l\u1ea1i do c\u00e1c TCTD t\u1ef1 x\u1eed l\u00fd b\u1eb1ng nhi\u1ec1u bi\u1ec7n ph\u00e1p kh\u00e1c nhau nh\u01b0 \u0111\u00f4n \u0111\u1ed1c kh\u00e1ch h\u00e0ng tr\u1ea3 n\u1ee3, s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng r\u1ee7i ro, ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, chuy\u1ec3n n\u1ee3 th\u00e0nh v\u1ed1n g\u00f3p; \u0111\u01b0a t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u1eeb m\u1ee9c r\u1ea5t cao \u1edf nh\u1eefng n\u0103m tr\u01b0\u1edbc \u0111\u00e2y v\u1ec1 m\u1ee9c 3,21% v\u00e0o 31\/8\/2015, \u0111\u1ebfn 30\/9\/2015 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u0111\u00e3 ch\u1ea1m m\u1ee9c 3% v\u00e0 \u0111\u1ebfn cu\u1ed1i n\u0103m NHNN s\u1ebd ho\u00e0n th\u00e0nh m\u1ee5c ti\u00eau \u0111\u1ec1 ra v\u1ec1 n\u1ee3 x\u1ea5u.<\/p>\n

V\u1ec1 m\u1eb7t l\u00fd thuy\u1ebft c\u0169ng nh\u01b0 th\u1ef1c ti\u1ec5n \u0111\u00e3 ch\u1ec9 r\u00f5: N\u1ee3 x\u1ea5u l\u00e0 ng\u01b0\u1eddi \u0111\u1ed3ng h\u00e0nh b\u1ea5t \u0111\u1eafc d\u0129 c\u1ee7a m\u1ecdi TCTD. V\u00e0 ch\u00fang ta c\u0169ng bi\u1ebft r\u1eb1ng, n\u1ee3 x\u1ea5u do nhi\u1ec1u nguy\u00ean nh\u00e2n g\u00e2y n\u00ean, trong \u0111\u00f3 c\u00f3 nh\u1eefng nguy\u00ean nh\u00e2n nh\u01b0 thi\u00ean tai, m\u00f4i tr\u01b0\u1eddng kinh doanh bi\u1ebfn \u0111\u1ed9ng x\u1ea5u, th\u1ecb tr\u01b0\u1eddng h\u00e0ng h\u00f3a suy gi\u1ea3m, th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3ng b\u0103ng, n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb c\u1ee7a DN y\u1ebfu\u2026<\/p>\n

Do \u0111\u00f3, \u0111\u1ec3 gi\u1ea3i quy\u1ebft t\u1ed1t s\u1ed1 n\u1ee3 x\u1ea5u t\u00edch t\u1ee5 trong h\u1ec7 th\u1ed1ng NH th\u00ec v\u1edbi n\u1ed7 l\u1ef1c ri\u00eang c\u1ee7a h\u1ec7 th\u1ed1ng NH l\u00e0 ch\u01b0a \u0111\u1ee7, m\u00e0 c\u1ea7n c\u00f3 s\u1ef1 tham gia h\u1ed7 tr\u1ee3 t\u00edch c\u1ef1c h\u01a1n n\u1eefa c\u1ee7a c\u00e1c b\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 DN, \u0111\u1ed3ng th\u1eddi c\u1ea7n ph\u1ea3i c\u00f3 c\u01a1 ch\u1ebf ch\u00ednh s\u00e1ch ph\u00f9 h\u1ee3p \u0111\u1ec3 h\u1ed7 tr\u1ee3 x\u1eed l\u00fd nhanh, d\u1ee9t \u0111i\u1ec3m n\u1ee3 x\u1ea5u c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c TCTD.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI:<\/em><\/p>\n

Tr\u01b0\u1edbc h\u1ebft ph\u1ea3i quy tr\u00e1ch nhi\u1ec7m x\u1eed l\u00fd\u00a0n\u1ee3 x\u1ea5u cho DN<\/em><\/strong><\/p>\n

\u0110\u1ec3 th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 c\u1ea5p b\u00e1ch gi\u1ea3i quy\u1ebft n\u1ee3 x\u1ea5u, t\u00f4i c\u00f3 m\u1ea5y ki\u1ebfn ngh\u1ecb.<\/em><\/p>\n

Tr\u01b0\u1edbc h\u1ebft ph\u1ea3i quy tr\u00e1ch nhi\u1ec7m x\u1eed l\u00fd n\u1ee3 x\u1ea5u cho DN n\u1ee3. DN ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ch\u00ednh v\u1ec1 vi\u1ec7c kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 vay, t\u1ee9c v\u1ec1 t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u c\u1ee7a NH. V\u00ec x\u00e3 h\u1ed9i v\u00e0 c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ee9 nghi\u00eang nh\u1ea7m theo h\u01b0\u1edbng r\u1eb1ng, n\u1ee3 x\u1ea5u l\u00e0 c\u1ee7a NH, n\u00ean \u0111\u1ea9y h\u1ebft cho NH ph\u1ea3i t\u1ef1 ch\u1ecbu, t\u1ef1 lo v\u00e0 t\u1ef1 \u201cx\u1eed\u201d, v\u00ec v\u1eady d\u1eabn \u0111\u1ebfn vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u th\u1ef1c ch\u1ea5t b\u1ecb r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng r\u1ea5t kh\u00f3, r\u1ea5t ch\u1eadm v\u00e0 r\u1ea5t x\u1ea5u.<\/em><\/p>\n

X\u1eed l\u00fd n\u1ee3 x\u1ea5u kh\u00f4ng ch\u1ec9 l\u00e0 vi\u1ec7c gi\u00fap cho h\u1ec7 th\u1ed1ng NH, m\u00e0 l\u00e0 c\u1ee9u gi\u00fap c\u1ea3 n\u1ec1n kinh t\u1ebf, v\u00ec th\u1ef1c ch\u1ea5t c\u1ee7a vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u, l\u00e0 \u201cc\u1ea5p c\u1ee9u, \u0111i\u1ec1u tr\u1ecb v\u00e0 d\u01b0\u1ee1ng b\u1ec7nh\u201d cho DN, c\u0169ng nh\u01b0 cho c\u1ea3 n\u1ec1n kinh t\u1ebf.<\/em><\/p>\n

Ti\u1ebfp \u0111\u00f3 l\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3. M\u1eb7c d\u00f9, c\u1ea3 hai b\u00ean trong quan h\u1ec7 t\u00edn d\u1ee5ng l\u00e0 NH v\u00e0 kh\u00e1ch h\u00e0ng vay, \u0111\u1ec1u c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7. Tuy nhi\u00ean, quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n l\u00e0 ti\u1ec1n cho vay c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 h\u01a1n quy\u1ec1n s\u1edf h\u1eefu l\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay. Kh\u00f4ng ph\u1ea3i v\u00f4 c\u1edb m\u00e0 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2004 (\u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2011), \u0111\u00e3 quy \u0111\u1ecbnh: Th\u1eddi hi\u1ec7u \u0111\u1ec3 kh\u1edfi ki\u1ec7n \u0111\u00f2i ti\u1ec1n b\u1ed3i th\u01b0\u1eddng trong c\u00e1c v\u1ee5 vi\u1ec7c tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng ch\u1ec9 c\u00f3 2 n\u0103m, nh\u01b0ng th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n \u0111\u1ec3 ch\u1ee7 n\u1ee3 \u0111\u00f2i l\u1ea1i ti\u1ec1n cho vay \u0111\u01b0\u1ee3c k\u00e9o d\u00e0i v\u0129nh vi\u1ec5n.<\/em><\/p>\n

Theo \u0111u\u1ed5i n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, b\u00ean c\u1ea1nh \u201ccu\u1ed9c chi\u1ebfn\u201d ch\u1ed1ng \u201cgi\u1eb7c t\u00edn d\u1ee5ng \u0111en\u201d b\u1ea5t h\u1ee3p ph\u00e1p b\u00f3c l\u1ed9t ng\u01b0\u1eddi \u0111i vay, vi\u1ec7c c\u0103n b\u1ea3n h\u01a1n l\u00e0 ph\u1ea3i b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c quy\u1ec1n s\u1edf h\u1eefu ti\u1ec1n b\u1ea1c c\u1ee7a ng\u01b0\u1eddi cho vay h\u1ee3p ph\u00e1p. Khi kho\u1ea3n vay c\u00f2n l\u00e0 n\u1ee3 t\u1ed1t th\u00ec kh\u00e1ch h\u00e0ng l\u00e0 \u201cTh\u01b0\u1ee3ng \u0111\u1ebf\u201d, nh\u01b0ng khi \u0111\u00e3 bi\u1ebfn th\u00e0nh n\u1ee3 x\u1ea5u th\u00ec \u201cTh\u01b0\u1ee3ng \u0111\u1ebf\u201d \u0111\u00e3 tr\u1edf th\u00e0nh \u201ct\u1ed9i \u0111\u1ed3\u201d, v\u00ec kh\u00f4ng c\u00f2n mang l\u1ea1i l\u1ee3i nhu\u1eadn, l\u1ee3i \u00edch m\u00e0 mang l\u1ea1i r\u1ee7i ro, nguy hi\u1ec3m cho NH c\u0169ng nh\u01b0 cho n\u1ec1n kinh t\u1ebf. Khi \u0111\u00f3, con n\u1ee3 kh\u00f4ng th\u1ec3 c\u00f9ng v\u1ecb th\u1ebf v\u1edbi ch\u1ee7 n\u1ee3.<\/em><\/p>\n

Tuy nhi\u00ean, ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh kh\u00f4ng nh\u1eefng ch\u01b0a kh\u1eb3ng \u0111\u1ecbnh r\u00f5 v\u1ecb th\u1ebf c\u1ee7a ch\u1ee7 n\u1ee3, kh\u00f4ng \u01b0u ti\u00ean b\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3, b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu h\u1ee3p ph\u00e1p b\u1ecb x\u00e2m ph\u1ea1m, m\u00e0 l\u1ea1i coi ch\u1ee7 n\u1ee3 c\u0169ng nh\u01b0 con n\u1ee3, th\u1eadm ch\u00ed c\u00f2n nghi\u00eang v\u1ec1 ph\u00eda b\u1ea3o v\u1ec7 con n\u1ee3.<\/em><\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n ngay t\u1eeb c\u00e1ch g\u1ecdi ng\u01b0\u1eddi c\u00f3 quy\u1ec1n \u0111\u00f2i n\u1ee3 l\u00e0 ch\u1ee7 n\u1ee3, nh\u01b0ng l\u1ea1i kh\u00f4ng g\u1ecdi ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 l\u00e0 con n\u1ee3, m\u00e0 ch\u1ec9 g\u1ecdi l\u00e0 ng\u01b0\u1eddi n\u1ee3, ng\u01b0\u1eddi m\u1eafc n\u1ee3 v\u00e0 th\u1eadm ch\u00ed \u201ct\u00f4n\u201d l\u00ean th\u00e0nh \u201ckh\u00e1ch n\u1ee3\u201d, t\u1ee9c v\u1eabn gi\u1eef ng\u00f4i \u201cTh\u01b0\u1ee3ng \u0111\u1ebf\u201d (c\u00f3 14 Ngh\u1ecb \u0111\u1ecbnh v\u00e0 kho\u1ea3ng tr\u00ean 50 th\u00f4ng t\u01b0, quy\u1ebft \u0111\u1ecbnh s\u1eed d\u1ee5ng t\u1eeb \u201ckh\u00e1ch n\u1ee3\u201d).<\/em><\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
TS. L\u00ea Xu\u00e2n Ngh\u0129a<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

TS. L\u00ea Xu\u00e2n Ngh\u0129a, th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 qu\u1ed1c gia:<\/em><\/p>\n

Thanh kho\u1ea3n c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng NH\u00a0\u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1<\/strong><\/p>\n

Sau 3 n\u0103m th\u1ef1c hi\u1ec7n t\u00e1i c\u01a1 c\u1ea5u h\u1ec7 th\u1ed1ng c\u00e1c TCTD, ch\u00fang ta \u0111\u00e3 c\u1ee7ng c\u1ed1 \u0111\u01b0\u1ee3c thanh kho\u1ea3n c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng NH. Ngo\u00e0i ra, NHNN c\u0169ng th\u1ef1c hi\u1ec7n bi\u1ec7n ph\u00e1p m\u1ea1nh tay nh\u01b0 mua l\u1ea1i 0 \u0111\u1ed3ng c\u00e1c NHTM y\u1ebfu k\u00e9m. \u0110\u1ed3ng th\u1eddi, NHNN ti\u1ebfn h\u00e0nh ch\u01b0\u01a1ng tr\u00ecnh l\u1edbn l\u00e0 l\u00e0nh m\u1ea1nh h\u00f3a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, trong \u0111\u00f3 \u0111\u1eb7c bi\u1ec7t quan t\u00e2m x\u1eed l\u00fd n\u1ee3 x\u1ea5u.<\/p>\n

Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n, v\u1ea5n \u0111\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u00f2n thi\u1ebfu s\u1ef1 \u0111\u1ed3ng thu\u1eadn trong c\u00e1ch x\u1eed l\u00fd, nh\u00ecn nh\u1eadn, kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ng\u00e2n s\u00e1ch, kh\u00f4ng \u0111\u01b0\u1ee3c thay \u0111\u1ed5i v\u1ec1 m\u1ed9t s\u1ed1 lu\u1eadt li\u00ean quan \u0111\u1ebfn tr\u00e1ch nhi\u1ec7m ch\u1ee7 n\u1ee3, quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3, t\u1ed1 t\u1ee5ng, thi h\u00e0nh \u00e1n\u2026 m\u00e0 v\u1eabn \u0111\u01b0a \u0111\u01b0\u1ee3c t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u1eeb h\u01a1n 17% v\u00e0o th\u00e1ng 9\/2012 xu\u1ed1ng 3% \u0111\u1ebfn cu\u1ed1i th\u00e1ng 9 v\u1eeba r\u1ed3i, c\u00f3 th\u1ec3 xem l\u00e0 s\u1ef1 n\u1ed7 l\u1ef1c l\u1edbn c\u1ee7a ng\u00e0nh NH.<\/p>\n

\u0110\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 mua NH v\u1edbi gi\u00e1 0 \u0111\u1ed3ng, t\u00f4i \u0111\u00e1nh gi\u00e1 \u0111\u00e2y l\u00e0 c\u00e1ch l\u00e0m nhanh v\u00e0 th\u00f4ng minh c\u1ee7a NHNN trong vi\u1ec7c t\u00e1i c\u1ea5u tr\u00fac nh\u1eefng NH c\u00f3 nguy c\u01a1 \u0111\u1ed5 v\u1ee1. S\u1edf d\u0129 NHNN mua NH v\u1edbi gi\u00e1 0 \u0111\u1ed3ng v\u00ec nh\u1eefng NH y\u1ebfu k\u00e9m n\u00e0y c\u00f3 n\u1ee3 b\u1ecb m\u1ea5t v\u1ed1n v\u01b0\u1ee3t qu\u00e1 v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a h\u1ecd, v\u1ec1 nguy\u00ean t\u1eafc ph\u1ea3i tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n. NHTW c\u00f3 nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0m nh\u01b0 v\u1eady kh\u00f4ng?<\/p>\n

Th\u1ef1c ti\u1ec5n, n\u1ebfu \u0111\u1ec3 m\u1ed9t NH qu\u1ed1c doanh th\u00f4n t\u00ednh th\u00ec r\u1ea5t m\u1ea5t th\u1eddi gian, ni\u1ec1m tin ng\u01b0\u1eddi g\u1eedi ti\u1ec1n b\u1ecb \u1ea3nh h\u01b0\u1edfng\u2026 Ch\u01b0a k\u1ec3, nh\u1eefng NH b\u1ecb s\u00e1p nh\u1eadp mua l\u1ea1i \u0111\u00f3 c\u0169ng kh\u00f4ng d\u1ec5 d\u00e0ng b\u00e1n l\u1ea1i v\u1edbi gi\u00e1 th\u1ea5p. Nh\u01b0 v\u1eady, c\u00e1ch nhanh nh\u1ea5t m\u00e0 NHTW b\u1ea5t \u0111\u1eafc d\u0129 ph\u1ea3i l\u00e0m l\u00e0 mua l\u1ea1i 0 \u0111\u1ed3ng v\u1edbi nh\u1eefng NH y\u1ebfu k\u00e9m nh\u01b0 v\u1eady. Sau \u0111\u00f3 ki\u1ec3m tra l\u1ea1i t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u2026<\/p>\n

Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3 c\u00f3 th\u00f4ng tin, \u0111\u00e1nh gi\u00e1 th\u00ec nh\u1eefng NH quan t\u00e2m c\u00f3 th\u1ec3 mua l\u1ea1i. Ho\u1eb7c NHTW giao l\u1ea1i cho NH qu\u1ed1c doanh tham gia t\u00e1i c\u1ea5u tr\u00fac NH y\u1ebfu k\u00e9m \u0111\u00f3, nh\u1edd \u0111\u00f3 c\u00f3 th\u1ec3 nh\u1eadn ra th\u1ef1c ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
\u00d4ng Nguy\u1ec5n H\u1eefu Ngh\u0129a<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00d4ng Nguy\u1ec5n H\u1eefu Ngh\u0129a, Ch\u00e1nh Thanh tra C\u01a1 quan Thanh tra, gi\u00e1m s\u00e1t NH:<\/em><\/p>\n

\u0110\u1ee7 c\u01a1 s\u1edf \u0111\u1ec3 mua NH gi\u00e1 0 \u0111\u1ed3ng<\/strong><\/p>\n

C\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 NHNN mua NH trong di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t v\u1edbi gi\u00e1 0 \u0111\u1ed3ng l\u00e0: \u0110i\u1ec1u 149 Lu\u1eadt C\u00e1c TCTD n\u00eau r\u00f5, NHNN c\u00f3 quy\u1ec1n tr\u1ef1c ti\u1ebfp mua ho\u1eb7c ch\u1ec9 \u0111\u1ecbnh TCTD kh\u00e1c mua l\u1ea1i NH y\u1ebfu k\u00e9m, nh\u1eefng NH thu\u1ed9c di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, n\u1ebfu NH \u0111\u00f3 kh\u00f4ng th\u1ef1c thi\u1ec7n \u0111\u01b0\u1ee3c vi\u1ec7c t\u0103ng v\u1ed1n, kh\u00f4ng th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n t\u0103ng v\u1ed1n theo quy \u0111\u1ecbnh c\u1ee7a NHNN.<\/p>\n

Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3 n\u0103m 2013, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh s\u1ed1 48, h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 v\u1ec1 tr\u00ecnh t\u1ef1 th\u1ee7 t\u1ee5c, c\u00e1c h\u00ecnh th\u1ee9c, bi\u1ec7n ph\u00e1p mua l\u1ea1i c\u00e1c NH trong di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t bao g\u1ed3m \u0111\u1ecbnh gi\u00e1 c\u1ed5 phi\u1ebfu, quy\u1ec1n c\u00e1c b\u00ean li\u00ean quan.<\/p>\n

Vi\u1ec7c th\u1ef1c hi\u1ec7n mua NH v\u1edbi gi\u00e1 0 \u0111\u1ed3ng c\u00f2n \u0111\u01b0\u1ee3c d\u1ef1a tr\u00ean c\u01a1 s\u1edf Quy\u1ebft \u0111\u1ecbnh 254 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 C\u01a1 c\u1ea5u l\u1ea1i h\u1ec7 th\u1ed1ng c\u00e1c TCTD giai \u0111o\u1ea1n 2011-2015, qua \u0111\u00f3 n\u00eau r\u00f5 quy\u1ec1n c\u1ee7a NHNN s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, trong \u0111\u00f3 c\u00f3 vi\u1ec7c bu\u1ed9c c\u00e1c TCTD y\u1ebfu k\u00e9m h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, mua l\u1ea1i.<\/p>\n

Ngo\u00e0i ra, Quy\u1ebft \u0111\u1ecbnh s\u1ed1 255 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p b\u1ed5 sung v\u1ec1 t\u00e1i c\u01a1 c\u1ea5u giai \u0111o\u1ea1n 2011-2015, trong \u0111\u00f3 c\u00f3 n\u00eau r\u00f5 ch\u01b0a \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p ph\u00e1 s\u1ea3n theo quy \u0111\u1ecbnh Lu\u1eadt Ph\u00e1 s\u1ea3n \u0111\u1ec3 gi\u1eef v\u1eefng th\u1ecb tr\u01b0\u1eddng, \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4, \u1ed5n \u0111\u1ecbnh ch\u00ednh tr\u1ecb.<\/p>\n

V\u1ea5n \u0111\u1ec1 n\u1eefa l\u00e0 \u0111\u00e3 mua l\u1ea1i NH, th\u00ec ph\u1ea3i c\u00f3 m\u1ee9c gi\u00e1 c\u1ee5 th\u1ec3? Trong Quy\u1ebft \u0111\u1ecbnh 48 c\u00f3 n\u00eau r\u00f5 ph\u1ea3i th\u1ef1c hi\u1ec7n thu\u00ea c\u00e1c t\u1ed5 ch\u1ee9c t\u01b0 v\u1ea5n c\u00f3 ch\u1ee9c n\u0103ng \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh gi\u00e1 tr\u1ecb DN c\u1ee7a NH, tr\u00ean c\u01a1 s\u1edf \u0111\u00f3 x\u00e1c \u0111\u1ecbnh gi\u00e1 tr\u1ecb c\u1ed5 phi\u1ebfu c\u1ee7a c\u00e1c NH m\u1ed9t c\u00e1ch \u0111\u1ed9c l\u1eadp, kh\u00e1ch quan.<\/p>\n

D\u1ef1a tr\u00ean gi\u00e1 tr\u1ecb th\u1ef1c v\u1ec1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a qu\u1ef9 d\u1ef1 tr\u1eef c\u00f2n l\u1ea1i c\u1ee7a c\u00e1c NH trong di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t th\u00ec NHNN s\u1ebd quy\u1ebft \u0111\u1ecbnh mua l\u1ea1i tr\u00ean c\u01a1 s\u1edf \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp. NHNN c\u0169ng y\u00eau c\u1ea7u c\u00e1c ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u00e1c TCTD \u0111\u00f3 th\u1ef1c hi\u1ec7n vi\u1ec7c t\u0103ng v\u1ed1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng chu\u1ea9n m\u1ef1c v\u1ec1 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u. N\u1ebfu TCTD kh\u00f4ng t\u0103ng \u0111\u01b0\u1ee3c v\u1ed1n th\u00ec NHNN s\u1ebd mua. C\u00f2n mua gi\u00e1 n\u00e0o th\u00ec ph\u1ea3i d\u1ef1a tr\u00ean c\u01a1 s\u1edf gi\u00e1 tr\u1ecb DN \u0111\u00e3 \u0111\u01b0\u1ee3c NHNN quy\u1ebft \u0111\u1ecbnh.<\/p>\n

C\u00e1c NH \u0111\u01b0\u1ee3c NHNN mua th\u1eddi gian v\u1eeba qua ho\u00e0n to\u00e0n do c\u00f4ng ty \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp t\u00ednh to\u00e1n \u0111\u1ecbnh gi\u00e1. Gi\u00e1 tr\u1ecb c\u1ed5 phi\u1ebfu c\u1ee7a c\u00e1c NH n\u00e0y th\u1eadm ch\u00ed l\u00e0 \u00e2m \u0111\u1ed3ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i 0 \u0111\u1ed3ng. V\u00e0 vi\u1ec7c NHNN mua l\u1ea1i c\u1ed5 phi\u1ebfu c\u1ee7a c\u00e1c NH y\u1ebfu k\u00e9m th\u1eddi gian qua kh\u00f4ng ph\u1ea3i \u00e9p bu\u1ed9c m\u00e0 ho\u00e0n to\u00e0n tr\u00ean c\u01a1 s\u1edf \u0111\u1ecbnh gi\u00e1 DN, gi\u00e1 tr\u1ecb c\u1ed5 phi\u1ebfu, \u0111\u00e1nh gi\u00e1 \u0111\u1ed9c l\u1eadp kh\u00e1ch quan v\u00e0 l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh gi\u00e1.<\/p>\n

\u0110\u1ee9c Nghi\u00eam \u2013 Linh Chi ghi<\/strong><\/p>\n

————————————<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u1ec9nh \u2013 Ti\u1ec1n t\u1ec7) 07-10-2015:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/giu-vung-on-dinh-he-thong-ngan-hang-40221.html<\/em><\/p>\n

(529\/2.113)","protected":false},"excerpt":{"rendered":"

(TBNH) – \u0110\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 mua NH v\u1edbi gi\u00e1 0 \u0111\u1ed3ng, TS. L\u00ea Xu\u00e2n Ngh\u0129a \u0111\u00e1nh gi\u00e1 \u0111\u00e2y l\u00e0 c\u00e1ch l\u00e0m nhanh v\u00e0 th\u00f4ng minh c\u1ee7a NHNN trong vi\u1ec7c t\u00e1i c\u1ea5u tr\u00fac nh\u1eefng NH c\u00f3 nguy c\u01a1 \u0111\u1ed5 v\u1ee1. \u0110\u1ec1 \u00e1n \u201cC\u01a1 c\u1ea5u l\u1ea1i h\u1ec7 th\u1ed1ng c\u00e1c TCTD giai \u0111o\u1ea1n 2011 – 2015\u201d \u0111ang […]<\/p>\n","protected":false},"author":3,"featured_media":29864,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n793. 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