{"id":33245,"date":"2019-06-19T09:29:02","date_gmt":"2019-06-19T02:29:02","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=33245"},"modified":"2022-07-21T09:31:25","modified_gmt":"2022-07-21T02:31:25","slug":"2-294-nguy-co-thu-hep-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-294-nguy-co-thu-hep-tin-dung\/","title":{"rendered":"2.294. Nguy c\u01a1 thu h\u1eb9p t\u00edn d\u1ee5ng"},"content":{"rendered":"(D\u0110DN) – Nhi\u1ec1u chuy\u00ean gia cho r\u1eb1ng, vi\u1ec7c c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc ch\u1eadm t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 s\u1ebd l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng cung \u1ee9ng v\u1ed1n t\u00edn d\u1ee5ng cho n\u1ec1n kinh t\u1ebf, t\u1eeb \u0111\u00f3 \u1ea3nh h\u01b0\u1edfng t\u1edbi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, gi\u1ea3m thu ng\u00e2n s\u00e1ch t\u1eeb thu\u1ebf.<\/strong><\/p>\n

\"\"<\/em><\/p>\n

Hi\u1ec7n t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u (CAR) b\u00ecnh qu\u00e2n c\u1ee7a 4 NHTM Nh\u00e0 n\u01b0\u1edbc c\u0169ng ch\u1ec9 \u1edf m\u1ee9c 9,6%<\/em><\/p>\n

Nhu c\u1ea7u c\u1ea5p b\u00e1ch<\/strong><\/p>\n

Kh\u00f4ng ph\u1ea3i v\u00f4 c\u1edb m\u00e0 v\u1ea5n \u0111\u1ec1 n\u00f3i tr\u00ean li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c n\u00eau ra trong th\u1eddi gian g\u1ea7n \u0111\u00e2y, b\u1edfi d\u00f9 n\u1eb1m trong ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ch\u00ednh ph\u1ee7, song vi\u1ec7c t\u0103ng v\u1ed1n cho c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc \u0111ang r\u1ea5t ch\u1eadm, c\u00f3 nguy c\u01a1 \u0111e d\u1ecda \u0111\u1ebfn s\u1ef1 an to\u00e0n c\u1ee7a c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc v\u00e0 r\u1ed9ng h\u01a1n l\u00e0 c\u1ea3 h\u1ec7 th\u1ed1ng.<\/p>\n

D\u00f9 \u0111\u00e3 \u00e1p d\u1ee5ng \u0111\u1ed3ng b\u1ed9 v\u00e0 t\u1ed1i \u0111a c\u00e1c bi\u1ec7n ph\u00e1p nh\u01b0: ki\u1ec3m so\u00e1t t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng; t\u00e1i c\u01a1 c\u1ea5u danh m\u1ee5c t\u00e0i s\u1ea3n c\u00f3 r\u1ee7i ro theo h\u01b0\u1edbng gi\u1ea3m t\u1ef7 tr\u1ecdng c\u00e1c t\u00e0i s\u1ea3n c\u00f3 h\u1ec7 s\u1ed1 r\u1ee7i ro cao; ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu th\u1ee9 c\u1ea5p t\u0103ng v\u1ed1n c\u1ea5p 2 nh\u1eb1m c\u1ea3i thi\u1ec7n t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n\u2026, nh\u01b0ng ngo\u1ea1i tr\u1eeb Vietcombank, c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc\u00a0c\u00f2n l\u1ea1i \u0111\u1ec1u ch\u01b0a \u0111\u00e1p \u1ee9ng m\u1ee9c v\u1ed1n t\u1ed1i thi\u1ec3u theo chu\u1ea9n Basel II.<\/p>\n

Ngay c\u1ea3 t\u00ednh theo chu\u1ea9n Basel I th\u00ec theo s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea m\u1edbi nh\u1ea5t c\u1ee7a NHNN, hi\u1ec7n t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u (CAR) b\u00ecnh qu\u00e2n c\u1ee7a 4 NHTM Nh\u00e0 n\u01b0\u1edbc c\u0169ng ch\u1ec9 \u1edf m\u1ee9c 9,6%, th\u1ea5p h\u01a1n so v\u1edbi m\u1ee9c b\u00ecnh qu\u00e2n chung c\u1ee7a h\u1ec7 th\u1ed1ng c\u00e1c TCTD l\u00e0 12,19% v\u00e0 ch\u1ec9 nh\u1ec9nh h\u01a1n m\u1ed9t ch\u00fat so v\u1edbi m\u1ee9c t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 36\/2014\/TT-NHNN l\u00e0 9%.<\/p>\n

V\u00ec l\u1ebd \u0111\u00f3, theo Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA), n\u1ebfu c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng nhanh ch\u00f3ng t\u0103ng \u0111\u01b0\u1ee3c v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u00ec c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c nh\u00e0 b\u0103ng n\u00e0y v\u00e0 t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c t\u1edbi c\u1ea3 n\u1ec1n kinh t\u1ebf. B\u1edfi \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u00e1c ch\u1ec9 ti\u00eau an to\u00e0n bu\u1ed9c c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i si\u1ebft ch\u1eb7t l\u1ea1i t\u00edn d\u1ee5ng, \u1ea3nh h\u01b0\u1edfng t\u1edbi kh\u1ea3 n\u0103ng cung \u1ee9ng v\u1ed1n cho n\u1ec1n kinh t\u1ebf.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c t\u0103ng v\u1ed1n c\u1ee7a c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc s\u1ebd kh\u00f4ng th\u1ec3 th\u00e0nh c\u00f4ng n\u1ebfu kh\u00f4ng c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, b\u1edfi Nh\u00e0 n\u01b0\u1edbc v\u1eabn \u0111ang n\u1eafm c\u1ed5 ph\u1ea7n chi ph\u1ed1i t\u1ea1i c\u00e1c nh\u00e0 b\u0103ng n\u00e0y.\u00a0\u201cTr\u01b0\u1edbc m\u1eaft,\u00a0c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc mong Nh\u00e0 n\u01b0\u1edbc cho ph\u00e9p \u0111\u01b0\u1ee3c gi\u1eef l\u1ea1i l\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m ho\u1eb7c chia ph\u1ea7n c\u1ed5 t\u1ee9c c\u1ee7a Nh\u00e0 n\u01b0\u1edbc b\u1eb1ng c\u1ed5 phi\u1ebfu \u0111\u1ec3 t\u0103ng v\u1ed1n, gi\u1ea3i quy\u1ebft ph\u1ea7n n\u00e0o nh\u1eefng kh\u00f3 kh\u0103n hi\u1ec7n nay\u201d,<\/em>VNBA ki\u1ebfn ngh\u1ecb.<\/p>\n

B\u00e1n b\u1edbt c\u1ed5 ph\u1ea7n Nh\u00e0 n\u01b0\u1edbc<\/strong><\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, 4 ng\u00e2n h\u00e0ng qu\u1ed1c doanh \u0111ang n\u1eafm gi\u1eef 40% t\u1ed5ng t\u00e0i s\u1ea3n v\u00e0 50% th\u1ecb ph\u1ea7n t\u00edn d\u1ee5ng c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng, n\u00ean gi\u1eef m\u1ed9t vai tr\u00f2 v\u00f4 c\u00f9ng quan tr\u1ecdng trong vi\u1ec7c cung \u1ee9ng v\u1ed1n cho n\u1ec1n kinh t\u1ebf.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>\u00a0cho r\u1eb1ng, n\u1ebfu kh\u00f4ng t\u0103ng \u0111\u01b0\u1ee3c v\u1ed1n \u0111i\u1ec1u l\u1ec7, c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh s\u1ebd ph\u1ea3i gi\u1ea3m t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, t\u0103ng l\u00e3i su\u1ea5t cho vay, t\u1eeb \u0111\u00f3 t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c t\u1edbi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, gi\u1ea3m thu ng\u00e2n s\u00e1ch t\u1eeb thu\u1ebf, \u0111\u1ed3ng th\u1eddi c\u00f3 nguy c\u01a1 vi ph\u1ea1m t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n, \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn an to\u00e0n ho\u1ea1t \u0111\u1ed9ng, m\u1ee9c x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m qu\u1ed1c t\u1ebf…<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p c\u1ee7a VietinBank l\u00e0 m\u1ed9t minh ch\u1ee9ng r\u00f5 n\u00e9t. Do kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed5 sung th\u00eam v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1eeb n\u0103m 2014, trong khi v\u1eabn ph\u1ea3i \u0111\u1ea3m b\u1ea3o cung \u1ee9ng v\u1ed1n cho n\u1ec1n kinh t\u1ebf n\u00ean hi\u1ec7n CAR c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 \u1edf r\u1ea5t s\u00e1t ng\u01b0\u1ee1ng t\u1ed1i thi\u1ec3u. Ch\u00ednh v\u00ec v\u1eady, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o m\u1ee5c ti\u00eau an to\u00e0n v\u1ed1n, trong qu\u00fd 4\/2018 VietinBank \u0111\u00e3 bu\u1ed9c ph\u1ea3i thu h\u1eb9p quy m\u00f4 t\u00edn d\u1ee5ng, h\u1ec7 qu\u1ea3 l\u00e0 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ea3 n\u0103m c\u1ee7a ng\u00e2n h\u00e0ng ch\u1ec9 \u1edf m\u1ee9c 6%, th\u1ea5p nh\u1ea5t trong h\u01a1n 10 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y. D\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a VietinBank ti\u1ebfp t\u1ee5c gi\u1ea3m 0,44% trong qu\u00fd 1\/2019.<\/p>\n

Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng c\u0169ng cho r\u1eb1ng, n\u1ebfu kh\u00f4ng kh\u1ea9n tr\u01b0\u01a1ng t\u0103ng v\u1ed1n cho c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc th\u00ec r\u1ee7i ro ng\u00e0y c\u00e0ng l\u1edbn. Do tu\u00e2n th\u1ee7 theo chu\u1ea9n m\u1ef1c c\u1ee7a Basel II, c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y s\u1ebd ph\u1ea3i h\u1ea1ch to\u00e1n \u0111\u00fang chi ph\u00ed, n\u1ee3 x\u1ea5u v\u00e0 nh\u1eefng kho\u1ea3n vay r\u1ee7i ro s\u1ebd \u201c\u0103n\u201d v\u00e0o v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a kh\u1ed1i NHTM nh\u00e0 n\u01b0\u1edbc, v\u1ed1n \u0111\u00e3 th\u1ea5p s\u1ebd c\u00f2n th\u1ea5p h\u01a1n. Tuy nhi\u00ean, c\u00e1ch t\u0103ng v\u1ed1n b\u1eb1ng c\u00e1ch chia c\u1ed5 t\u1ee9c b\u1eb1ng c\u1ed5 phi\u1ebfu l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd v\u00ec ti\u1ebfp t\u1ee5c l\u00e0m ch\u1eadm qu\u00e1 tr\u00ecnh c\u1ed5 ph\u1ea7n h\u00f3a v\u00e0 t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh.\u00a0\u201cC\u00e1ch t\u1ed1t nh\u1ea5t l\u00e0 b\u00e1n b\u1edbt c\u1ed5 ph\u1ea7n Nh\u00e0 n\u01b0\u1edbc, h\u1ea1 th\u1ea5p t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a c\u1ed5 \u0111\u00f4ng Nh\u00e0 n\u01b0\u1edbc xu\u1ed1ng \u0111\u1ec3 thu h\u00fat c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c n\u01b0\u1edbc ngo\u00e0i. B\u1edfi s\u1ebd kh\u00f4ng c\u00f3 nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00e0o m\u1eb7n m\u00e0 g\u00f3p v\u1ed1n\u00a0v\u00e0o c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh,\u00a0n\u1ebfu Nh\u00e0 n\u01b0\u1edbc c\u1ee9 kh\u01b0 kh\u01b0 n\u1eafm gi\u1eef t\u1ed1i thi\u1ec3u 65% c\u1ed5 ph\u1ea7n t\u1ea1i c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc\u201d,<\/em>\u00a0TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u1ea5n m\u1ea1nh.<\/p>\n

H\u00e0 Anh<\/strong><\/p>\n

————<\/p>\n

Di\u1ec5n \u0111\u00e0n doanh nghi\u1ec7p (Ng\u00e2n h\u00e0ng) 19-6-2019:<\/em><\/strong><\/p>\n

https:\/\/enternews.vn\/nguy-co-thu-hep-tin-dung-152353.html<\/em><\/a><\/p>\n

\u00a0(81\/897)<\/em>","protected":false},"excerpt":{"rendered":"

(D\u0110DN) – Nhi\u1ec1u chuy\u00ean gia cho r\u1eb1ng, vi\u1ec7c c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc ch\u1eadm t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 s\u1ebd l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng cung \u1ee9ng v\u1ed1n t\u00edn d\u1ee5ng cho n\u1ec1n kinh t\u1ebf, t\u1eeb \u0111\u00f3 \u1ea3nh h\u01b0\u1edfng t\u1edbi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, gi\u1ea3m thu ng\u00e2n s\u00e1ch t\u1eeb thu\u1ebf. Hi\u1ec7n t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u (CAR) […]<\/p>\n","protected":false},"author":3,"featured_media":33246,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-33245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.294. 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