{"id":33028,"date":"2013-08-16T10:55:16","date_gmt":"2013-08-16T03:55:16","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=33028"},"modified":"2022-07-18T10:58:35","modified_gmt":"2022-07-18T03:58:35","slug":"392-ngan-hang-chua-khai-het-no-xau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/392-ngan-hang-chua-khai-het-no-xau\/","title":{"rendered":"392. Ng\u00e2n h\u00e0ng ch\u01b0a \u201ckhai\u201d h\u1ebft n\u1ee3 x\u1ea5u"},"content":{"rendered":"(L\u0110) – <\/strong>D\u00f9 thu\u1ed9c nh\u00f3m d\u1eabn \u0111\u1ea7u h\u1ec7 th\u1ed1ng v\u1ec1 gi\u00e1 tr\u1ecb tuy\u1ec7t \u0111\u1ed1i l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m, con s\u1ed1 n\u1ee3 x\u1ea5u c\u1ee7a h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng l\u1edbn d\u01b0\u1eddng nh\u01b0 v\u1eabn ch\u01b0a \u0111\u1ee7 v\u00e0 \u1ea9n ch\u1ee9a nhi\u1ec1u r\u1ee7i ro.<\/strong><\/p>\n

\"\"<\/p>\n

Nh\u1eadp nh\u1eb1ng n\u1ee3 x\u1ea5u<\/strong><\/p>\n

Ghi nh\u1eadn con s\u1ed1 l\u1ee3i nhu\u1eadn thu\u1ea7n 2.000 t\u1ec9 \u0111\u1ed3ng trong n\u1eeda \u0111\u1ea7u n\u0103m 2013, BIDV thu\u1ed9c v\u00e0o nh\u00f3m ng\u00e2n h\u00e0ng (NH) d\u1eabn \u0111\u1ea7u v\u1ec1 con s\u1ed1 l\u1ee3i nhu\u1eadn tuy\u1ec7t \u0111\u1ed1i trong s\u1ed1 h\u01a1n 10 nh\u00e0 b\u0103ng v\u1eeba c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3 kinh doanh. M\u1ee9c l\u1ee3i nhu\u1eadn c\u00f3 m\u1ee9c t\u0103ng t\u1edbi 43% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc v\u00e0 c\u00e0ng \u0111\u00e1ng m\u1eebng trong b\u1ed1i c\u1ea3nh l\u1ee3i nhu\u1eadn chung c\u1ee7a to\u00e0n ng\u00e0nh s\u00fat gi\u1ea3m th\u00ea th\u1ea3m.<\/p>\n

Song n\u1ebfu xem x\u00e9t k\u1ef9 h\u01a1n, gi\u1edbi ph\u00e2n t\u00edch ch\u1ec9 ra r\u1eb1ng, s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a BIDV v\u1eabn ch\u01b0a th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3. C\u1ee5 th\u1ec3, t\u00ednh t\u1edbi cu\u1ed1i th\u00e1ng 6.2013, t\u1ec9 l\u1ec7 cho vay\/huy \u0111\u1ed9ng c\u1ee7a BIDV l\u00ean t\u1edbi 109%, cao h\u01a1n nhi\u1ec1u con s\u1ed1 87,3% c\u1ee7a trung b\u00ecnh ng\u00e0nh. Ch\u01b0a k\u1ec3 BIDV v\u1eabn l\u00e0 ng\u01b0\u1eddi \u0111i vay r\u00f2ng tr\u00ean th\u1ecb tr\u01b0\u1eddng li\u00ean NH, v\u1edbi s\u1ed1 d\u01b0 r\u00f2ng \u01b0\u1edbc t\u00ednh \u1edf m\u1ee9c \u00e2m 13.500 t\u1ec9 \u0111\u1ed3ng. \u201cC\u00e1c con s\u1ed1 th\u1ed1ng k\u00ea tr\u00ean th\u1ec3 hi\u1ec7n r\u1eb1ng t\u00ecnh h\u00ecnh thanh kho\u1ea3n c\u1ee7a NH v\u1eabn ch\u01b0a th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c \u1ed5n \u0111\u1ecbnh nh\u01b0 y\u00eau c\u1ea7u\u201d – m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 \u0111\u01b0a nh\u1eadn \u0111\u1ecbnh.<\/p>\n

Quan tr\u1ecdng h\u01a1n, n\u1ebfu t\u00ednh \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng, t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a BIDV trong k\u1ef3 b\u00e1o c\u00e1o \u0111\u01b0\u1ee3c kh\u1ed1ng ch\u1ebf \u1edf m\u1ee9c 2,78%, gi\u1ea3m nh\u1eb9 so v\u1edbi con s\u1ed1 2,93% v\u00e0o cu\u1ed1i n\u0103m 2012. Song t\u1ec9 l\u1ec7 tr\u00ean \u0111\u00e2y d\u01b0\u1eddng nh\u01b0 ch\u01b0a t\u00ednh \u0111\u1ebfn kho\u1ea3n cho vay 4.000 t\u1ec9 \u0111\u1ed3ng cho Vinashin v\u00e0 Vinalines. \u201cN\u1ebfu nh\u1eefng kho\u1ea3n cho vay n\u00e0y \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh, t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a BIDV s\u1ebd v\u00e0o kho\u1ea3ng 3,67% v\u00e0 nh\u01b0 v\u1eady, r\u1ee7i ro t\u00edn d\u1ee5ng c\u1ee7a BIDV v\u1eabn c\u00f2n kh\u00e1 cao\u201d – m\u1ed9t chuy\u00ean gia t\u00e0i ch\u00ednh nh\u1eadn \u0111\u1ecbnh.<\/p>\n

Ng\u01b0\u1ee3c l\u1ea1i v\u1edbi ACB, t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u \u0111\u1ebfn cu\u1ed1i th\u00e1ng 6 v\u1eeba qua l\u1ea1i t\u0103ng l\u00ean 2,99% so v\u1edbi con s\u1ed1 2,88% trong qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2013. \u0110i\u1ec1u \u0111\u00e1ng lo ng\u1ea1i l\u00e0 t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a ACB t\u0103ng ch\u1ee7 y\u1ebfu do t\u0103ng n\u1ee3 nh\u00f3m c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n.<\/p>\n

C\u1ee5 th\u1ec3 d\u00f9 m\u1ee9c t\u0103ng n\u1ee3 x\u1ea5u sau m\u1ed9t qu\u00fd kh\u00f4ng cao, ACB v\u1eabn ph\u1ea3i tr\u00edch l\u1eadp th\u00eam 259 t\u1ec9 \u0111\u1ed3ng d\u1ef1 ph\u00f2ng do n\u1ee3 nh\u00f3m 4 v\u00e0 nh\u00f3m 5 t\u0103ng \u0111\u00e1ng k\u1ec3. S\u1ed1 li\u1ec7u \u0111\u01b0\u1ee3c ACB c\u00f4ng b\u1ed1 t\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m 30.6 cho th\u1ea5y, nh\u00e0 b\u0103ng n\u00e0y c\u00f3 946 t\u1ec9 \u0111\u1ed3ng n\u1ee3 nghi ng\u1edd v\u00e0 1.782 t\u1ec9 \u0111\u1ed3ng n\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n, t\u0103ng l\u1ea7n l\u01b0\u1ee3t 40,6% v\u00e0 55% so v\u1edbi cu\u1ed1i n\u0103m 2012.<\/p>\n

Nh\u00ecn v\u00e0o b\u00e1o c\u00e1o c\u1ee7a ACB, m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 l\u01b0u \u00fd, v\u1eabn c\u00f2n kho\u1ea3n ti\u1ec1n g\u1eedi 719 t\u1ec9 \u0111\u1ed3ng c\u1ee7a ACB t\u1ea1i Vietinbank CTG v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng v\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 h\u01a1n 3.500 t\u1ec9 \u0111\u1ed3ng qu\u00e1 h\u1ea1n c\u1ee7a c\u00e1c Cty li\u00ean quan \u0111\u1ebfn \u00f4ng Nguy\u1ec5n \u0110\u1ee9c Ki\u00ean (\u0111\u01b0\u1ee3c x\u1ebfp v\u00e0o nh\u00f3m 2 h\u1ed3i cu\u1ed1i n\u0103m 2012) c\u0169ng ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch r\u00f5 trong b\u00e1o c\u00e1o m\u1edbi \u0111\u00e2y. \u0110\u1eb7t trong b\u1ed1i c\u1ea3nh n\u00e0y, vi\u1ec7c ACB m\u1edbi \u0111\u00e2y \u0111\u00e1nh ti\u1ebfng mu\u1ed1n b\u00e1n 1.500 t\u1ec9 \u0111\u1ed3ng n\u1ee3 x\u1ea5u cho VAMC \u0111\u01b0\u1ee3c cho l\u00e0 do nh\u00e0 b\u0103ng n\u00e0y ch\u1ee7 \u0111\u1ed9ng mu\u1ed1n gi\u1ea3m t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u hi\u1ec7n t\u1ea1i v\u00e0 nh\u1eb1m t\u0103ng \u201croom\u201d cho vi\u1ec7c h\u1ea1ch to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u ti\u1ec1m n\u0103ng trong t\u01b0\u01a1ng lai.<\/p>\n

Song, d\u00f9 gi\u1ea3 \u0111\u1ecbnh ACB s\u1ebd b\u00e1n th\u00e0nh c\u00f4ng 1.500 t\u1ec9 \u0111\u1ed3ng n\u1ee3 x\u1ea5u cho VAMC, m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ea7u t\u01b0 b\u00e0y t\u1ecf quan \u0111i\u1ec3m v\u1eabn kh\u00f4ng k\u1ef3 v\u1ecdng t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a ACB s\u1ebd gi\u1ea3m m\u1ea1nh do kh\u1ea3 n\u0103ng n\u1ee3 x\u1ea5u m\u1edbi s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t sinh.<\/p>\n

N\u1ee3 x\u1ea5u ch\u01b0a \u0111\u00fang th\u1ef1c t\u1ebf<\/strong><\/p>\n

D\u00f9 kh\u00f4ng ph\u1ea3n \u00e1nh t\u00ecnh h\u00ecnh n\u1ee3 x\u1ea5u chung c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng song c\u00e1c ph\u00e2n t\u00edch v\u1ec1 con s\u1ed1 n\u1ee3 x\u1ea5u c\u1ee7a BIDV v\u00e0 ACB tr\u00ean \u0111\u00e2y ch\u1ec9 ra r\u1eb1ng, th\u1ef1c t\u1ebf n\u1ee3 x\u1ea5u ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u00f2n \u201cbi \u0111\u00e1t\u201d h\u01a1n nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1.<\/p>\n

Trong bu\u1ed5i l\u00e0m vi\u1ec7c m\u1edbi \u0111\u00e2y nh\u1eb1m t\u00ecm ra gi\u1ea3i ph\u00e1p cho v\u1ea5n \u0111\u1ec1 n\u1ee3 x\u1ea5u t\u1ea1i VN, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng cho r\u1eb1ng s\u1ed1 li\u1ec7u n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c nh\u00e0 b\u0103ng ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh ch\u00ednh x\u00e1c. \u00d4ng n\u00e0y nh\u00ecn nh\u1eadn t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u 4,65% t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 5.2013 theo s\u1ed1 li\u1ec7u c\u1ee7a NHNN l\u00e0 con s\u1ed1 kh\u00e1 \u0111\u1eb9p v\u00e0 n\u1ebfu \u0111\u00fang nh\u01b0 v\u1eady, s\u1ebd kh\u00f4ng c\u1ea7n \u0111\u1ebfn Cty qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c TCTD (VACM) nh\u1eb1m ph\u1ee5c v\u1ee5 m\u1ee5c \u0111\u00edch x\u1eed l\u00fd n\u1ee3 x\u1ea5u.
\n<\/em>
\nTrong khi \u0111\u00f3, b\u00e0 Tr\u1ea7n H\u1ed3ng H\u1ea1nh – T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng (VNBA) \u0111\u00e1nh gi\u00e1, vi\u1ec7c che gi\u1ea5u n\u1ee3 x\u1ea5u s\u1ebd ph\u1ea3n \u00e1nh kh\u00f4ng \u0111\u00fang th\u1ef1c tr\u1ea1ng c\u1ee7a NH v\u00e0 t\u1eeb \u0111\u00f3 khi\u1ebfn c\u00e1c gi\u1ea3i ph\u00e1p \u00e1p d\u1ee5ng \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3 x\u1ea5u s\u1ebd kh\u00f4ng ph\u00f9 h\u1ee3p v\u00e0 k\u00e9o d\u00e0i th\u1eddi gian tr\u00ec tr\u1ec7, thua l\u1ed7 c\u1ee7a c\u00e1c nh\u00e0 b\u0103ng.<\/p>\n

Con s\u1ed1 \u0111\u01b0\u1ee3c V\u1ee5 D\u1ef1 b\u00e1o th\u1ed1ng k\u00ea ti\u1ec1n t\u1ec7 (NHNN) kh\u1ea3o s\u00e1t m\u1edbi \u0111\u00e2y cho th\u1ea5y, trong s\u1ed1 124 TCTD tham gia kh\u1ea3o s\u00e1t, c\u00f3 kho\u1ea3ng 30 TCTD khai b\u00e1o t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u \u1edf m\u1ee9c tr\u00ean 3%, chi\u1ebfm kho\u1ea3ng 1\/4 s\u1ed1 l\u01b0\u1ee3ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hi\u1ec7n nay. Ch\u01b0a h\u1ebft, c\u00f3 tr\u00ean 50% TCTD d\u1ef1 ki\u1ebfn t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u t\u1ea1i th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m 2013 s\u1ebd kh\u00f4ng \u0111\u1ed5i ho\u1eb7c t\u0103ng so v\u1edbi cu\u1ed1i n\u0103m 2012.<\/p>\n

Trong khi \u0111\u00f3, theo quy \u0111\u1ecbnh, c\u00e1c TCTD c\u00f3 t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u tr\u00ean 3% s\u1ebd b\u1eaft bu\u1ed9c ph\u1ea3i tham gia mua b\u00e1n n\u1ee3 v\u1edbi VAMC. Ngo\u00e0i c\u00e2u chuy\u1ec7n ph\u1ea3i t\u0103ng tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng t\u01b0\u01a1ng \u1ee9ng v\u1edbi m\u1ee9c gia t\u0103ng c\u1ee7a n\u1ee3 x\u1ea5u, m\u1ed9t s\u1ed1 chuy\u00ean gia c\u0169ng nh\u00ecn nh\u1eadn, vi\u1ec7c che gi\u1ea5u con s\u1ed1 n\u1ee3 x\u1ea5u th\u1ef1c t\u1ebf c\u0169ng c\u00f3 th\u1ec3 do m\u1ed9t s\u1ed1 nh\u00e0 b\u0103ng e ng\u1ea1i vi\u1ec7c ph\u1ea3i b\u00e1n n\u1ee3 x\u1ea5u cho VAMC c\u0169ng nh\u01b0 nh\u1eb1m tr\u00e1nh nh\u1eefng th\u00f4ng tin kh\u00f4ng m\u1ea5y t\u00edch c\u1ef1c t\u1edbi th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng.<\/p>\n

 <\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014-<\/p>\n

Lao \u0110\u1ed9ng 16-8-2013 (M\u1ee5c v\u1ea5n \u0111\u1ec1 v\u00e0 s\u1ef1 ki\u1ec7n):<\/em><\/strong><\/p>\n

http:\/\/laodong.com.vn\/Tai-chinh\/Ngan-hang-chua-khai-het-no-xau\/133165.bld<\/a><\/em><\/p>\n

(98\/1.045)","protected":false},"excerpt":{"rendered":"

(L\u0110) – D\u00f9 thu\u1ed9c nh\u00f3m d\u1eabn \u0111\u1ea7u h\u1ec7 th\u1ed1ng v\u1ec1 gi\u00e1 tr\u1ecb tuy\u1ec7t \u0111\u1ed1i l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m, con s\u1ed1 n\u1ee3 x\u1ea5u c\u1ee7a h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng l\u1edbn d\u01b0\u1eddng nh\u01b0 v\u1eabn ch\u01b0a \u0111\u1ee7 v\u00e0 \u1ea9n ch\u1ee9a nhi\u1ec1u r\u1ee7i ro. Nh\u1eadp nh\u1eb1ng n\u1ee3 x\u1ea5u Ghi nh\u1eadn con s\u1ed1 l\u1ee3i nhu\u1eadn thu\u1ea7n […]<\/p>\n","protected":false},"author":3,"featured_media":33029,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-33028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n392. 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