{"id":38443,"date":"2023-12-01T17:19:41","date_gmt":"2023-12-01T10:19:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38443"},"modified":"2024-10-14T15:56:28","modified_gmt":"2024-10-14T08:56:28","slug":"3-625-siet-ty-le-so-huu-ngan-hang-can-can-nhac-that-ky","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-625-siet-ty-le-so-huu-ngan-hang-can-can-nhac-that-ky\/","title":{"rendered":"3.625. Si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng: C\u1ea7n c\u00e2n nh\u1eafc th\u1eadt k\u1ef9"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng: C\u1ea7n c\u00e2n nh\u1eafc th\u1eadt k\u1ef9<\/span><\/h4>\n<h5><strong>(ANTT) &#8211; Theo c\u00e1c chuy\u00ean gia, gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u1ea3n tr\u1edf vi\u1ec7c thu h\u00fat v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i v\u00e0o l\u0129nh v\u1ef1c n\u00e0y, gi\u1eefa l\u00fac h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111ang n\u1ed7 l\u1ef1c n\u00e2ng cao n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, trong khi kh\u00f4ng th\u1ef1c s\u1ef1 ch\u1ea5m d\u1ee9t t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o.<\/strong><\/h5>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid alignnone wp-image-38444 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/12\/Picture1-1-450x281.png\" alt=\"C\u00e2n nh\u1eafc t\u1ef7 l\u1ec7 s\u1edf h\u1eefu\" width=\"450\" height=\"281\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/12\/Picture1-1-450x281.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/12\/Picture1-1-768x480.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/12\/Picture1-1.png 945w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<h5>L\u1ee3i b\u1ea5t c\u1eadp h\u1ea1i<\/h5>\n<p>D\u1ef1 th\u1ea3o Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u1ec1 xu\u1ea5t gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c t\u1eeb m\u1ee9c 5% v\u00e0 15% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng xu\u1ed1ng c\u00f2n 3% v\u00e0 10%. T\u01b0\u01a1ng t\u1ef1, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a nh\u00f3m c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi li\u00ean quan c\u0169ng \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t gi\u1ea3m t\u1eeb 20% xu\u1ed1ng 15%.<\/p>\n<p>\u0110\u1ec1 xu\u1ea5t gi\u1ea3m t\u1ef7 l\u1ec7 n\u00e0y \u0111\u01b0\u1ee3c \u0111\u01b0a ra nh\u1eb1m m\u1ee5c \u0111\u00edch ch\u1ea5m d\u1ee9t t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, gi\u1ea3m xung \u0111\u1ed9t l\u1ee3i \u00edch khi c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 h\u1ea1n ch\u1ebf vi\u1ec7c l\u1ea1m d\u1ee5ng quy\u1ec1n c\u1ed5 \u0111\u00f4ng l\u1edbn t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, t\u1eeb \u0111\u00f3 t\u0103ng t\u00ednh an to\u00e0n cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t.<\/p>\n<p>Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c chuy\u00ean gia, m\u1ee5c ti\u00eau n\u00f3i tr\u00ean l\u00e0 c\u1ea7n thi\u1ebft, tuy nhi\u00ean bi\u1ec7n ph\u00e1p gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau n\u00e0y kh\u00f4ng th\u1ef1c s\u1ef1 c\u00f3 nhi\u1ec1u \u00fd ngh\u0129a, ch\u01b0a n\u00f3i \u0111\u1ebfn vi\u1ec7c c\u00f3 th\u1ec3 t\u1ea1o ra r\u00e0o c\u1ea3n ng\u0103n d\u00f2ng v\u1ed1n ngo\u1ea1i ch\u1ea3y v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng n\u1ed9i.<\/p>\n<p>Theo Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1edf c\u00e1c m\u1ee9c 5%, 15% v\u00e0 20% t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p so v\u1edbi nhi\u1ec1u qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi. T\u1ef7 l\u1ec7 th\u1ea5p n\u00e0y kh\u00f4ng l\u00e0m gi\u1ea3m t\u00ecnh tr\u1ea1ng c\u1ea5p t\u00edn d\u1ee5ng t\u1eadp trung cho m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng c\u00f3 li\u00ean quan \u2013 hi\u1ec7n tr\u1ea1ng v\u1eabn \u0111ang di\u1ec5n ra t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng theo k\u1ebft lu\u1eadn c\u1ee7a Thanh tra Ch\u00ednh ph\u1ee7 \u0111\u1ea7u th\u00e1ng 7\/2023, theo \u0111\u00f3 l\u00e0m t\u0103ng r\u1ee7i ro c\u1ee7a h\u1ec7 th\u1ed1ng.<\/p>\n<p>Quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a, trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, kh\u00f4ng th\u1ef1c s\u1ef1 ph\u00e1t huy t\u00e1c d\u1ee5ng, c\u00e1c c\u1ed5 \u0111\u00f4ng d\u00f9 kh\u00f4ng r\u01a1i v\u00e0o tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi c\u00f3 li\u00ean quan theo \u0111\u1ecbnh ngh\u0129a c\u1ee7a lu\u1eadt, v\u1eabn c\u00f3 li\u00ean k\u1ebft ch\u1eb7t ch\u1ebd v\u1edbi nhau \u0111\u1ec3 \u0111\u1ed3ng thu\u1eadn c\u1ea5p t\u00edn d\u1ee5ng r\u1ea5t t\u1eadp trung, theo VCCI.<\/p>\n<p><em>C\u00f9ng chung quan \u0111i\u1ec3m v\u1edbi VCCI, <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a><span style=\"color: #0000ff;\">\u00a0<\/span><a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong>, cho r\u1eb1ng gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu kh\u00f4ng th\u1ef1c s\u1ef1 ng\u0103n ch\u1eb7n s\u1edf h\u1eefu ch\u00e9o, khi nh\u1eefng ng\u01b0\u1eddi ch\u1ee7 ng\u00e2n h\u00e0ng n\u1eafm gi\u1eef 15-20% v\u1ed1n ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 l\u0169ng \u0111o\u1ea1n c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a ch\u00ednh t\u1ed5 ch\u1ee9c \u0111\u00f3. Tr\u00ean th\u1ef1c t\u1ebf, nh\u1eefng tr\u01b0\u1eddng h\u1ee3p sai ph\u1ea1m v\u1eeba qua cho th\u1ea5y t\u1ef7 l\u1ec7 s\u1edf h\u1eefu th\u1ef1c s\u1ef1 c\u1ee7a nh\u1eefng ng\u01b0\u1eddi ch\u1ee7 n\u00e0y cao h\u01a1n r\u1ea5t r\u1ea5t nhi\u1ec1u so v\u1edbi quy \u0111\u1ecbnh, th\u00f4ng qua c\u00e1c c\u00f4ng ty con, c\u00f4ng ty li\u00ean k\u1ebft ho\u1eb7c c\u00e1c c\u00e1 nh\u00e2n \u0111\u1ee9ng t\u00ean h\u1ed9.<\/em><\/p>\n<p><em>L\u1ea5y v\u00ed d\u1ee5 nh\u01b0 tr\u01b0\u1eddng h\u1ee3p c\u1ee7a Ng\u00e2n h\u00e0ng SCB, k\u1ebft lu\u1eadn c\u1ee7a C\u01a1 quan \u0111i\u1ec1u tra B\u1ed9 C\u00f4ng an cho th\u1ea5y, tr\u00ean s\u1ed5 s\u00e1ch, b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan ch\u1ec9 n\u1eafm gi\u1eef 4,98% v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng, nh\u01b0ng th\u1ef1c t\u1ebf b\u00e0 Lan n\u1eafm gi\u1eef t\u1edbi 91% c\u1ed5 ph\u1ea7n c\u1ee7a SCB th\u00f4ng qua 27 ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n \u0111\u1ee9ng t\u00ean h\u1ed9.<\/em><\/p>\n<p>Theo VCCI, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a m\u1ed9t s\u1ed1 c\u1ed5 \u0111\u00f4ng cao kh\u00f4ng ph\u1ea3i l\u00e0 v\u1ea5n \u0111\u1ec1 tr\u1ef1c ti\u1ebfp g\u00e2y m\u1ea5t an to\u00e0n h\u1ec7 th\u1ed1ng. Trong khi \u0111\u00f3, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a qu\u00e1 th\u1ea5p c\u0169ng kh\u00f4ng th\u1ef1c s\u1ef1 t\u1ed1t cho vi\u1ec7c qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng. Khi s\u1edf h\u1eefu t\u1ef7 l\u1ec7 v\u1ed1n qu\u00e1 th\u1ea5p, c\u00e1c c\u1ed5 \u0111\u00f4ng s\u1ebd kh\u00f4ng th\u1ef1c s\u1ef1 g\u1eafn b\u00f3 v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng. C\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn th\u01b0\u1eddng kh\u00f4ng ch\u1ec9 \u0111\u1ea7u t\u01b0 ti\u1ec1n b\u1ea1c m\u00e0 c\u00f2n mang theo c\u1ea3 c\u00f4ng ngh\u1ec7, quy tr\u00ecnh qu\u1ea3n tr\u1ecb v\u00e0o c\u00e1c ng\u00e2n h\u00e0ng, gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n<p>Th\u1eadm ch\u00ed, nh\u01b0 l\u1eddi m\u1ed9t chuy\u00ean gia \u0111\u1ec1 ngh\u1ecb kh\u00f4ng n\u00eau t\u00ean, vi\u1ec7c t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u1ed1n qu\u00e1 th\u1ea5p s\u1ebd d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng kh\u00f4ng c\u00f3 ng\u01b0\u1eddi l\u00e0m ch\u1ee7 th\u1ef1c s\u1ef1 c\u1ee7a ng\u00e2n h\u00e0ng, qua \u0111\u00f3 khi\u1ebfn cho ho\u1ea1t \u0111\u1ed9ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi c\u00e1c c\u1ed5 \u0111\u00f4ng &#8220;kh\u00f4ng ai ch\u1ecbu ai, n\u00f3i kh\u00f4ng c\u00f3 ng\u01b0\u1eddi nghe&#8221;. T\u00ecnh tr\u1ea1ng n\u00e0y \u0111\u00e3 v\u00e0 \u0111ang di\u1ec5n ra t\u1edbi g\u1ea7n ch\u1ee5c n\u0103m \u1edf m\u1ed9t ng\u00e2n h\u00e0ng, khi\u1ebfn cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 b\u1ee9t ph\u00e1 l\u00ean \u0111\u01b0\u1ee3c trong khi c\u00e1c nh\u00e0 b\u0103ng kh\u00e1c c\u00f3 c\u00f9ng quy m\u00f4 b\u0103ng b\u0103ng ti\u1ebfn v\u1ec1 ph\u00eda tr\u01b0\u1edbc.<\/p>\n<h5><strong>R\u00e0o c\u1ea3n nh\u00e0 \u0111\u1ea7u t\u01b0 ngo\u1ea1i<\/strong><\/h5>\n<p>L\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng c\u1ee7a Vi\u1ec7t Nam lu\u00f4n n\u1eb1m trong t\u1ea7m ng\u1eafm c\u1ee7a nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 ngo\u1ea1i, bao g\u1ed3m c\u1ea3 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n v\u00e0 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf l\u1edbn t\u1eeb nhi\u1ec1u n\u0103m nay nh\u1edd ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n d\u1ed3i d\u00e0o v\u00e0 phong ph\u00fa. Tuy nhi\u00ean \u0111\u00e2y l\u00e0 l\u0129nh v\u1ef1c c\u00f3 gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 s\u1edf h\u1eefu n\u01b0\u1edbc ngo\u00e0i, hay c\u00f2n g\u1ecdi l\u00e0 room ngo\u1ea1i, v\u00e0 nhi\u1ec1u ng\u00e2n h\u00e0ng lu\u00f4n trong t\u00ecnh tr\u1ea1ng k\u00edn room \u2013 g\u00e2y nu\u1ed1i ti\u1ebfc cho kh\u00f4ng \u00edt nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c.<\/p>\n<p>Nay, n\u1ebfu t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c b\u1ecb si\u1ebft, c\u00f3 l\u1ebd s\u1ee9c h\u1ea5p d\u1eabn c\u1ee7a l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng Vi\u1ec7t trong m\u1eaft nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i s\u1ebd \u00edt nhi\u1ec1u suy gi\u1ea3m. B\u1edfi l\u1ebd vi\u1ec7c si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng, c\u00f3 th\u1ec3 &#8220;l\u00e0m kh\u00f3&#8221; cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ngo\u1ea1i mu\u1ed1n r\u00f3t v\u1ed1n v\u00e0o c\u00e1c ng\u00e2n h\u00e0ng n\u1ed9i. V\u00e0 \u1edf chi\u1ec1u ng\u01b0\u1ee3c l\u1ea1i, n\u1ed7 l\u1ef1c c\u1ea3i thi\u1ec7n n\u1ec1n t\u1ea3ng v\u1ed1n, n\u00e2ng cao n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh trong d\u00e0i h\u1ea1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng n\u1ed9i c\u0169ng tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n khi h\u1ecd kh\u00f4ng th\u1ec3 ch\u00e0o b\u00e1n m\u1ed9t t\u1ef7 l\u1ec7 c\u1ed5 ph\u1ea7n \u0111\u1ee7 h\u1ea5p d\u1eabn v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 ngo\u1ea1i.<\/p>\n<p>\u0110\u00f3 l\u00e0 ch\u01b0a k\u1ec3 \u0111\u1ebfn, ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Nh\u00e0 n\u01b0\u1edbc l\u00e0 khuy\u1ebfn kh\u00edch c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i tham gia h\u1ed7 tr\u1ee3 ti\u1ebfn tr\u00ecnh ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng n\u00f3i chung, ho\u1ea1t \u0111\u1ed9ng t\u00e1i c\u01a1 c\u1ea5u c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m n\u00f3i ri\u00eang. Nhi\u1ec1u \u0111\u1ec1 xu\u1ea5t v\u1eeba qua c\u00f2n mong mu\u1ed1n n\u1edbi room ngo\u1ea1i l\u00ean m\u1ee9c cao h\u01a1n so v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh (t\u1edbi 49%) \u0111\u1ec3 h\u1ea5p d\u1eabn nh\u00e0 \u0111\u1ea7u t\u01b0 ngo\u1ea1i v\u00e0o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m. Nay n\u1ebfu t\u1ef7 l\u1ec7 s\u1edf h\u1eefu b\u1ecb si\u1ebft ch\u1eb7t, s\u1ef1 quan t\u00e2m c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 ngo\u1ea1i \u0111\u1ebfn ng\u00e2n h\u00e0ng Vi\u1ec7t ch\u1eafc ch\u1eafn kh\u00f3 tr\u00e1nh kh\u1ecfi s\u1ef1 \u1ea3nh h\u01b0\u1edfng khi d\u00f2ng v\u1ed1n b\u1ecb c\u1ea3n tr\u1edf nh\u01b0 v\u1eady.<\/p>\n<p>Tr\u1edf l\u1ea1i c\u00e2u chuy\u1ec7n gia t\u0103ng n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh cho c\u00e1c ng\u00e2n h\u00e0ng, t\u1eeb nhi\u1ec1u n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, t\u00ecm ki\u1ebfm ngu\u1ed3n l\u1ef1c qu\u1ed1c t\u1ebf v\u1edbi m\u1ee5c \u0111\u00edch t\u0103ng v\u1ed1n lu\u00f4n \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng n\u1ed9i t\u00edch c\u1ef1c tri\u1ec3n khai, trong n\u1ed7 l\u1ef1c t\u0103ng c\u01b0\u1eddng ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh, m\u1edf r\u1ed9ng quy m\u00f4 v\u00e0 c\u1ea3i thi\u1ec7n c\u00e1c h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n (CAR) theo chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf, nh\u01b0 Basel. H\u1ec7 s\u1ed1 CAR c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng hi\u1ec7n v\u1eabn \u0111ang \u1edf m\u1ee9c th\u1ea5p so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng trong khu v\u1ef1c. Theo s\u1ed1 li\u1ec7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, h\u1ec7 s\u1ed1 CAR trung b\u00ecnh c\u1ee7a nh\u00f3m ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc, t\u00ednh t\u1edbi cu\u1ed1i th\u00e1ng 9 v\u1eeba qua, ghi nh\u1eadn \u1edf m\u1ee9c 9.25%, nh\u00f3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n \u1edf m\u1ee9c 11,50%, th\u1ea5p h\u01a1n nhi\u1ec1u so ng\u00e2n h\u00e0ng trong khu v\u1ef1c (CAR b\u00ecnh qu\u00e2n c\u1ee7a Indonesia l\u00e0 22,6%; Philippines l\u00e0 17,2%; Singapore l\u00e0 17,1%; Th\u00e1i Lan 19,6%; Malaysia 18,5%).<\/p>\n<p>Trong khi c\u00e1c ng\u00e2n h\u00e0ng trong khu v\u1ef1c \u0111\u00e3 th\u1ef1c hi\u1ec7n \u00e1p d\u1ee5ng Basel III ho\u1eb7c m\u1ed9t ph\u1ea7n c\u1ee7a Basel III, th\u00ec c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam m\u1edbi \u0111ang trong giai \u0111o\u1ea1n tri\u1ec3n khai Basel II, ti\u1ec7m c\u1eadn Basel III. Vi\u1ec7c ti\u1ebfp t\u1ee5c t\u0103ng v\u1ed1n \u0111\u1ec3 n\u00e2ng cao n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng. V\u00e0 t\u0103ng v\u1ed1n th\u00f4ng qua b\u00e1n c\u1ed5 ph\u1ea7n cho nh\u00e0 \u0111\u1ea7u t\u01b0 ngo\u1ea1i, theo c\u00e1c chuy\u00ean gia l\u00e0 cung \u0111\u01b0\u1eddng ng\u1eafn nh\u1ea5t gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng n\u1ed9i \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch c\u1ee7ng c\u1ed1 b\u1ed9 \u0111\u1ec7m v\u1ed1n \u2013 nh\u01b0ng \u0111i\u1ec1u n\u00e0y c\u0169ng ch\u1ec9 thu\u1eadn l\u1ee3i khi t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 ngo\u1ea1i c\u00f3 s\u1ef1 h\u1ea5p d\u1eabn nh\u1ea5t \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf.<\/p>\n<p><strong>Thanh B\u00ecnh<\/strong><\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><em>&#8211;<\/em><\/p>\n<p><strong><em>An<\/em><\/strong> <strong><em>ninh ti\u1ec1n t\u1ec7<\/em><\/strong> <strong><em>(Cafe<\/em><\/strong> <strong><em>Land<\/em><\/strong><strong><em>) ng\u00e0y <\/em><\/strong><strong><em>01-12<\/em><\/strong><strong><em>-2023:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/antt.nguoiduatin.vn\/siet-ty-le-so-huu-ngan-hang-can-can-nhac-that-ky-6304.html\">https:\/\/antt.nguoiduatin.vn\/siet-ty-le-so-huu-ngan-hang-can-can-nhac-that-ky-6304.html<\/a> <\/em><\/p>\n<p><em>(<\/em><em>169\/1.449<\/em><em>)<\/em>","protected":false},"excerpt":{"rendered":"<p>Si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng: C\u1ea7n c\u00e2n nh\u1eafc th\u1eadt k\u1ef9 (ANTT) &#8211; Theo c\u00e1c chuy\u00ean gia, gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u1ea3n tr\u1edf vi\u1ec7c thu h\u00fat v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i v\u00e0o l\u0129nh v\u1ef1c n\u00e0y, gi\u1eefa l\u00fac h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":38444,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[41,34,36],"class_list":["post-38443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-chung-khoan","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.625. 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