{"id":31779,"date":"2012-02-24T10:15:59","date_gmt":"2012-02-24T03:15:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31779"},"modified":"2022-07-05T10:20:17","modified_gmt":"2022-07-05T03:20:17","slug":"285-tim-ngan-hang-nhom-4-ngoi-tren-dong-lua-cho-sang-loc","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/285-tim-ngan-hang-nhom-4-ngoi-tren-dong-lua-cho-sang-loc\/","title":{"rendered":"285. T\u00ecm ng\u00e2n h\u00e0ng nh\u00f3m 4: “Ng\u1ed3i tr\u00ean \u0111\u1ed1ng l\u1eeda” ch\u1edd s\u00e0ng l\u1ecdc"},"content":{"rendered":"(IFN) – Trong khi nhi\u1ec1u NH r\u1ea7m r\u1ed9 c\u00f4ng b\u1ed1 \u0111\u01b0\u1ee3c giao ch\u1ec9 ti\u00eau nh\u00f3m I; II (m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 17%, ho\u1eb7c 15%), th\u00ec s\u1ed1 NH c\u00f2n l\u1ea1i im so v\u00ec ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c “tr\u00e1t” t\u1eeb NHNN c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c b\u1ecb x\u1ebfp v\u00e0o nh\u00f3m y\u1ebfu th\u1ebf.<\/strong><\/p>\n

N\u01a1i “r\u00ecnh rang”
\n<\/strong>\u00d4ng Nguy\u1ec5n B\u00e1 Anh \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty TNHH ACB (C\u1ed1ng V\u1ecb – Ba \u0110\u00ecnh – H\u00e0 N\u1ed9i) th\u1edf ph\u00e0o nh\u1eb9 nh\u00f5m khi NH c\u00f4ng ty v\u1eabn vay v\u1ed1n l\u00e2u nay n\u1eb1m trong s\u1ed1 nh\u00e0 b\u0103ng \u0111\u01b0\u1ee3c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u1edf m\u1ee9c 17% trong n\u0103m 2012. “Nh\u01b0 th\u1ebf ngh\u0129a l\u00e0 “c\u1eeda” vay c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng h\u01a1n m\u1ed9t ch\u00fat” \u2013 \u00f4ng B\u00e1 Anh n\u00f3i.
\nTh\u1ef1c t\u1ebf, k\u1ec3 t\u1eeb khi NHNN ch\u00ednh th\u1ee9c c\u00f4ng b\u1ed1 s\u1ebd x\u1ebfp h\u1ea1ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng theo 4 nh\u00f3m (t\u01b0\u01a1ng \u1ee9ng c\u00e1c m\u1ee9c 17%, 15%, 8% v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c t\u0103ng tr\u01b0\u1edfng) nhi\u1ec1u kh\u00e1ch h\u00e0ng l\u00e0 doanh nghi\u1ec7p \u0111ang c\u00f3 \u00fd \u0111\u1ecbnh vay v\u1ed1n t\u1ea1i NH “th\u1ea5p th\u1ecfm lo \u00e2u”. N\u1ebfu NH h\u1ecd g\u1eedi g\u1eafm h\u1ed3 s\u01a1 c\u00f3 \u0111\u01b0\u1ee3c m\u1ee9c ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng cao, \u0111\u1ed3ng ngh\u0129a c\u01a1 h\u1ed9i vay l\u1edbn h\u01a1n. Ng\u01b0\u1ee3c l\u1ea1i, ch\u1eb3ng may NH r\u01a1i v\u00e0o nh\u00f3m th\u1ea5p, c\u1eeda vay s\u1ebd h\u1eb9p l\u1ea1i, th\u1eadm ch\u00ed kh\u00f4ng c\u00f3.
\n“NH b\u1ecb h\u1ea1n ch\u1ebf “room” t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, doanh nghi\u1ec7p l\u1ea1i ph\u1ea3i m\u1ea5t c\u00f4ng l\u00e0m l\u1ea1i th\u1ee7 t\u1ee5c h\u1ed3 s\u01a1, ch\u1edd th\u1eddi gian th\u1ea9m \u0111\u1ecbnh, \u1ea3nh h\u01b0\u1edfng t\u1edbi s\u1ea3n xu\u1ea5t kinh doanh, n\u1ebfu \u0111ang c\u1ea7n v\u1ed1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft t\u00ecnh th\u1ebf tr\u01b0\u1edbc m\u1eaft” \u2013 Gi\u00e1m \u0111\u1ed1c m\u1ed9t c\u00f4ng ty chuy\u00ean s\u1ea3n xu\u1ea5t m\u1eb7t h\u00e0ng ch\u0103n ga- g\u1ed1i \u0111\u1ec7m t\u1ea1i H\u1ea3i D\u01b0\u01a1ng l\u00fd gi\u1ea3i.Cho t\u1edbi h\u00f4m nay, l\u1ea7n l\u01b0\u1ee3t h\u01a1n 20 NH \u0111\u00e3 “b\u1eadt m\u00ed” v\u1ec1 x\u1ebfp h\u1ea1ng ch\u1ec9 ti\u00eau ph\u00e2n b\u1ed5 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a NH m\u00ecnh. Nh\u1eefng NH \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c con s\u1ed1 ch\u1ec9 ti\u00eau ch\u00ednh th\u1ee9c \u0111\u1ec1u ngay l\u1eadp t\u1ee9c tri\u1ec3n khai ngay k\u1ebf ho\u1ea1ch kinh doanh \u0111\u1ec3 c\u00f3 m\u1ee9c t\u0103ng ph\u00f9 h\u1ee3p.<\/p>\n

\"\"
\nNhi\u1ec1u NH \u0111\u00e3 c\u00f4ng b\u1ed1 ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, ph\u1ea7n l\u1edbn \u0111\u1ec1u thu\u1ed9c nh\u00f3m I, II
\n\u1ea2nh: Qu\u1ef3nh Anh<\/p>\n

Ch\u1ed7 th\u1ea5p th\u1ecfm lo \u00e2u
\n<\/strong>Tuy nhi\u00ean, khi h\u01a1n n\u1eeda s\u1ed1 NHTM \u0111ang r\u00ecnh rang \u201ckhoe\u201d ch\u1ec9 ti\u00eau t\u00edn d\u1ee5ng cao c\u1ee7a m\u00ecnh, s\u1ed1 \u00edt NH c\u00f2n l\u1ea1i s\u1ebd \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 NH nh\u00f3m III \u2013 IV, nh\u00f3m NH y\u1ebfu k\u00e9m.
\nD\u00f9 t\u00e1n th\u00e0nh v\u1edbi vi\u1ec7c ph\u00e2n lo\u1ea1i t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng theo “s\u1ee9c kh\u1ecfe” c\u1ee7a 4 nh\u00f3m nh\u01b0ng \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI v\u1eabn t\u1ecf ra h\u01a1i th\u1ea5t v\u1ecdng khi l\u1ea7n n\u00e0y NHNN kh\u00f4ng c\u00f4ng b\u1ed1 c\u00f4ng khai s\u1ed1 NH nh\u00f3m y\u1ebfu. “NHNN n\u00ean c\u00f4ng khai danh s\u00e1ch t\u1eebng nh\u00f3m, c\u1ea3 t\u1ed1t – x\u1ea5u \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng minh b\u1ea1ch, ch\u1ee9 kh\u00f4ng n\u00ean n\u1eeda k\u00edn, n\u1eeda h\u1edf. T\u1eeb \u0111\u00f3 h\u01b0\u1edbng t\u1edbi c\u00f4ng khai b\u1ea3ng x\u1ebfp h\u1ea1ng NH”- \u00f4ng \u0110\u1ee9c n\u00f3i.
\n<\/em>T\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t NHTMCP c\u1ee1 v\u1eeba t\u1ea1i H\u00e0 N\u1ed9i th\u1ed5 l\u1ed9, t\u1edbi th\u1eddi \u0111i\u1ec3m n\u00e0y NH v\u1eabn ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o ch\u00ednh th\u1ee9c t\u1eeb NHNN. N\u1ebfu theo quy \u0111\u1ecbnh th\u00ec c\u00f3 th\u1ec3 NH n\u00e0y s\u1ebd thu\u1ed9c nh\u00f3m 1, nh\u01b0ng c\u0169ng ch\u01b0a l\u1ea5y g\u00ec l\u00e0m ch\u1eafc ch\u1eafn, b\u1edfi th\u1ef1c t\u1ebf c\u00f3 nh\u1eefng NH m\u1ee9c t\u00e0i s\u1ea3n l\u1edbn v\u1eabn \u0111\u01b0\u1ee3c quy v\u00e0o nh\u00f3m 2.
\nNgo\u1ea1i tr\u1eeb nh\u1eefng NH “n\u1eafm ch\u1eafc m\u01b0\u1eddi m\u01b0\u01a1i” s\u1ebd n\u1eb1m \u1edf nh\u00f3m 1 (d\u00f9 ch\u01b0a \u0111\u01b0\u1ee3c nh\u1eadn th\u00f4ng b\u00e1o) th\u00ec c\u0169ng c\u00f3 nh\u1eefng NH kh\u00f4ng thu\u1ed9c nh\u00f3m G12 c\u0169ng “l\u1ecdt” v\u00e0o h\u00e0ng top tr\u00ean, nh\u01b0 NHPh\u00e1t tri\u1ec3n nh\u00e0 \u0110\u1ed3ng B\u1eb1ng S\u00f4ng C\u1eedu Long (MHB), NH \u0110\u00f4ng Nam \u00c1 (SeABank) … \u0111\u00e3 g\u00e2y b\u1ea5t ng\u1edd trong gi\u1edbi t\u00e0i ch\u00ednh. R\u00f5 r\u00e0ng, c\u00e1ch x\u1ebfp h\u1ea1ng c\u1ee7a NHNN n\u0103m nay kh\u00f4ng c\u00f2n theo c\u00e1ch ph\u00e2n lo\u1ea1i A-B-C-D nh\u01b0 n\u0103m ngo\u00e1i, m\u00e0 \u0111\u00e3 c\u00f3 s\u1ef1 linh ho\u1ea1t h\u01a1n, d\u1ef1a s\u00e1t theo ti\u00eau ch\u00ed: t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o; qu\u1ea3n tr\u1ecb \u0111i\u1ec1u h\u00e0nh r\u1ee7i ro, ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n n\u1ee3 – c\u00f3…
\n“Trong gi\u1edbi NH v\u1eabn bi\u1ebft t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m nay ch\u1eafc ch\u1eafn th\u1ea5p h\u01a1n n\u0103m ngo\u00e1i. Nh\u01b0ng th\u00f4ng tin ch\u00ednh th\u1ee9c t\u1eeb NHNN \u0111\u1ebfn c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t, NH s\u1ebd \u0111\u1ee1 lo h\u01a1n v\u00e0 c\u00f2n tri\u1ec3n khai k\u1ebf ho\u1ea1ch kinh doanh c\u1ee7a c\u1ea3 n\u0103m”- v\u1ecb n\u00e0y ti\u1ebft l\u1ed9.
\nGi\u00e1m \u0111\u1ed1c chi nh\u00e1nh NHTMCP nh\u1ecf v\u1eeba t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 cu\u1ed1i n\u0103m 2011 cho bi\u1ebft, c\u00f3 th\u00eam v\u1ed1n v\u00e0 c\u1ed5 \u0111\u00f4ng chi\u1ebfn l\u01b0\u1ee3c ch\u1eafc ch\u1eafn NH \u00f4ng s\u1ebd kh\u00f4ng b\u1ecb li\u1ec7t v\u00e0o nh\u00f3m “c\u1eeda t\u1eed” \u2013 nh\u00f3m IV, m\u00e0 c\u00f3 th\u1ec3 l\u00e0 nh\u00f3m III. T\u0103ng tr\u01b0\u1edfng \u00edt – 8%, c\u0169ng l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 NH c\u1ee7ng c\u1ed1 l\u1ea1i c\u00e1c d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng, ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ea3ng NH \u0111i\u1ec7n t\u1eed – v\u1ed1n l\u00e0 th\u1ebf m\u1ea1nh c\u1ee7a nh\u00e0 b\u0103ng n\u00e0y ngay ng\u00e0y \u0111\u1ea7u th\u00e0nh l\u1eadp. “M\u1ecdi d\u1ef1 \u0111o\u00e1n kh\u00f4ng c\u00f3 g\u00ec l\u00e0 ch\u00ednh x\u00e1c, c\u1ee9 ph\u1ea3i c\u1ea7m th\u00f4ng b\u00e1o tr\u00ean tay m\u1edbi th\u1edf ph\u00e0o \u0111\u01b0\u1ee3c” – v\u1ecb gi\u00e1m \u0111\u1ed1c n\u1ecd n\u00f3i gi\u1ecdng kh\u00f4ng gi\u1ea5u v\u1ebb lo l\u1eafng.
\nPh\u00f3 th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n \u0110\u1ed3ng Ti\u1ebfn kh\u1eb3ng \u0111\u1ecbnh, hi\u1ec7n “c\u00f3 kho\u1ea3ng m\u01b0\u01a1i NH y\u1ebfu k\u00e9m”, nh\u01b0ng s\u1ed1 n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng khai danh t\u00ednh m\u00e0 NHNN g\u1eedi tr\u1ef1c ti\u1ebfp danh s\u00e1ch t\u1edbi t\u1eebng NH. Ch\u00ednh \u0111i\u1ec1u n\u00e0y \u0111\u00e3 khi\u1ebfn d\u01b0 lu\u1eadn \u0111ua nhau “\u0111o\u00e1n gi\u00e0 \u0111o\u00e1n non” v\u1ec1 s\u1ed1 \u00edt NH y\u1ebfu n\u00e0y. Theo gi\u1ea3i th\u00edch c\u1ee7a Ph\u00f3 th\u1ed1ng \u0111\u1ed1c Ti\u1ebfn, “m\u01b0\u01a1i” kh\u00f4ng ph\u1ea3i l\u00e0 “m\u01b0\u1eddi”, n\u00ean c\u00f3 kh\u1ea3 n\u0103ng s\u1ed1 l\u01b0\u1ee3ng NH y\u1ebfu v\u01b0\u1ee3t con s\u1ed1 10 nh\u01b0 ph\u1ecfng \u0111o\u00e1n l\u00fac \u0111\u1ea7u, m\u00e0 c\u00f3 th\u1ec3 l\u00e0 h\u01a1n.
\nT\u1eeb nay \u0111\u1ebfn h\u1ebft qu\u00fd I\/2012, danh s\u00e1ch t\u1eebng NHNN s\u1ebd \u0111\u01b0\u1ee3c g\u1eedi v\u1ec1 t\u1edbi t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Khi c\u00e1c NH nh\u00f3m I, II \u0111\u00e3 l\u1ed9 di\u1ec7n, th\u00ec ch\u1eafc ch\u1eafn s\u1ed1 c\u00f2n l\u1ea1i, d\u00f9 c\u1ed1 gi\u1eef k\u00edn th\u00f4ng tin t\u1edbi m\u1ee9c n\u00e0o c\u0169ng s\u1ebd “phanh phui” danh t\u00ednh.
\nNg\u01b0\u1ee3c l\u1ea1i, \u00f4ng Ph\u00ed \u0110\u0103ng Minh \u2013 nguy\u00ean Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Qu\u1ea3n l\u00fd Ngo\u1ea1i h\u1ed1i (NHNN) l\u00e0 vi\u1ec7c l\u00e0m “kh\u00f4n ngoan” trong th\u1eddi \u0111i\u1ec3m nh\u1ea1y c\u1ea3m n\u00e0y. “Qu\u00e1 tr\u00ecnh n\u00e0y s\u1ebd khi\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh s\u00e0ng l\u1ecdc \u0111\u01b0\u1ee3c s\u1ee9c kh\u1ecfe c\u1ee7a t\u1eebng TCTD. Sau m\u1ed9t th\u1eddi gian qua “tr\u00e1t t\u00edn d\u1ee5ng” nh\u1eefng anh n\u00e0o y\u1ebfu s\u1ebd d\u1ea7n l\u1ed9 di\u1ec7n, t\u00e1i c\u01a1 c\u1ea5u l\u1ea1i h\u1ec7 th\u1ed1ng NH v\u00ec th\u1ebf c\u0169ng \u0111\u1ea9y nhanh h\u01a1n” \u2013 \u00f4ng Minh nh\u1eadn x\u00e9t.<\/p>\n

Tr\u01b0\u1eddng Giang<\/strong><\/p>\n

————————————<\/p>\n

Infonet 24-2-2012:<\/em><\/strong><\/p>\n

http:\/\/infonet.vn\/tien-te\/tim-ngan-hang-nhom-4-ngoi-tren-dong-lua-cho-sang-loc\/a14993.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

(IFN) – Trong khi nhi\u1ec1u NH r\u1ea7m r\u1ed9 c\u00f4ng b\u1ed1 \u0111\u01b0\u1ee3c giao ch\u1ec9 ti\u00eau nh\u00f3m I; II (m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 17%, ho\u1eb7c 15%), th\u00ec s\u1ed1 NH c\u00f2n l\u1ea1i im so v\u00ec ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c “tr\u00e1t” t\u1eeb NHNN c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c b\u1ecb x\u1ebfp v\u00e0o nh\u00f3m y\u1ebfu th\u1ebf. N\u01a1i “r\u00ecnh rang” \u00d4ng Nguy\u1ec5n […]<\/p>\n","protected":false},"author":3,"featured_media":31782,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n285. 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