{"id":38466,"date":"2023-12-04T18:20:11","date_gmt":"2023-12-04T11:20:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38466"},"modified":"2024-10-14T15:10:06","modified_gmt":"2024-10-14T08:10:06","slug":"4-198-chuyen-gia-giam-ty-le-so-huu-cung-kho-ngan-viec-thao-tung-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-629-chuyen-gia-giam-ty-le-so-huu-cung-kho-ngan-viec-thao-tung-ngan-hang\/","title":{"rendered":"3.629. Chuy\u00ean gia: Gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u0169ng kh\u00f3 ng\u0103n vi\u1ec7c thao t\u00fang ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Chuy\u00ean gia: Gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u0169ng kh\u00f3 ng\u0103n vi\u1ec7c thao t\u00fang ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(VNB) – Theo c\u00e1c chuy\u00ean gia quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu kh\u00f4ng ph\u1ea3i l\u00e0 v\u1ea5n \u0111\u1ec1, v\u1ea5n \u0111\u1ec1 ch\u00ednh l\u00e0 minh b\u1ea1ch s\u1edf h\u1eefu v\u00e0 gi\u00e1m s\u00e1t cho vay, b\u00e0i h\u1ecdc nh\u00e3n ti\u1ec1n l\u00e0 v\u1ee5 vi\u1ec7c x\u1ea3y ra t\u1ea1i Ng\u00e2n h\u00e0ng SCB v\u1eeba qua.<\/h5>\n

C\u00e1c quy \u0111\u1ecbnh \u0111\u1ec3 ng\u0103n ch\u1eb7n s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 l\u00e0m n\u00f3ng ngh\u1ecb tr\u01b0\u1eddng k\u1ef3 h\u1ecdp Qu\u1ed1c h\u1ed9i v\u1eeba qua.<\/p>\n

T\u1ea1i D\u1ef1 th\u1ea3o Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i),t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t gi\u1ea3m t\u1eeb m\u1ee9c 5% v\u00e0 15% v\u1ed1n \u0111i\u1ec1u l\u1ec7 xu\u1ed1ng c\u00f2n 3% v\u00e0 10%, \u0111\u1ed3ng th\u1eddi gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a c\u1ee7a c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan t\u1eeb 20% xu\u1ed1ng 15%.<\/p>\n

Quy \u0111\u1ecbnh \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u \u00fd ki\u1ebfn tr\u00e1i chi\u1ec1u t\u1eeb c\u00e1c \u0111\u1ea1i bi\u1ec3u qu\u1ed1c h\u1ed9i. \u0110\u00e1nh gi\u00e1 \u0111\u00e2y l\u00e0 d\u1ef1 th\u1ea3o Lu\u1eadt quan tr\u1ecdng, ph\u1ee9c t\u1ea1p, Ch\u1ee7 t\u1ecbch Qu\u1ed1c h\u1ed9i cho bi\u1ebft Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) s\u1ebd \u0111\u01b0\u1ee3c tr\u00ecnh Qu\u1ed1c h\u1ed9i th\u00f4ng qua t\u1ea1i k\u1ef3 h\u1ecdp sau.<\/p>\n

T\u1ef7 l\u1ec7 s\u1edf h\u1eefu kh\u00f4ng ph\u1ea3i l\u00e0 v\u1ea5n \u0111\u1ec1, v\u1ea5n \u0111\u1ec1 l\u00e0 minh b\u1ea1ch v\u00e0 gi\u00e1m s\u00e1t<\/h5>\n

Theo c\u00e1c chuy\u00ean gia vi\u1ec7c kh\u1ed1ng ch\u1ebf t\u1ef7 l\u1ec7 kh\u00f4ng quan tr\u1ecdng b\u1eb1ng vi\u1ec7c gi\u00e1m s\u00e1t th\u1ef1c thi quy \u0111\u1ecbnh; tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p nh\u1edd \u0111\u1ed1i t\u00e1c, ng\u01b0\u1eddi quen, \u0111\u1ee9ng t\u00ean s\u1edf h\u1eefu h\u1ed9, c\u1ed5 ph\u1ea7n h\u1ed9, d\u00f9 nh\u00f3m n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 “b\u00ean li\u00ean quan” theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, nh\u01b0ng th\u1ef1c t\u1ebf c\u00f3 quen bi\u1ebft, c\u00f9ng nhau n\u1eafm c\u1ed5 ph\u1ea7n chi ph\u1ed1i.<\/p>\n

PGS TS. Nguy\u1ec5n H\u1eefu Hu\u00e2n, Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf HCM. (\u1ea2nh:\u00a0VNB<\/em>).<\/p>\n

PGS TS. Nguy\u1ec5n H\u1eefu Hu\u00e2n, Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf HCM, cho r\u1eb1ng r\u1ea5t kh\u00f3 \u0111\u1ec3 x\u1eed l\u00fd s\u1edf h\u1eefu ch\u00e9o v\u00ec n\u00f3 r\u1ea5t tinh vi. K\u1ec3 c\u1ea3 gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a c\u1ee7a m\u1ed7i c\u1ed5 \u0111\u00f4ng ng\u00e2n h\u00e0ng nh\u01b0ng n\u1ebfu c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y c\u1ed1 t\u00ecnh \u0111\u1ee9ng t\u00ean h\u1ed9 th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c.<\/p>\n

B\u00e0i h\u1ecdc nh\u00e3n ti\u1ec1n l\u00e0 v\u1ee5 vi\u1ec7c x\u1ea3y ra t\u1ea1i Ng\u00e2n h\u00e0ng SCB v\u1eeba qua, b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan c\u0169ng s\u1eed d\u1ee5ng h\u00e0ng ch\u1ee5c c\u1ed5 \u0111\u00f4ng \u0111\u1ee9ng t\u00ean h\u1ed9 \u0111\u1ec3 chi ph\u1ed1i ng\u00e2n h\u00e0ng SCB ch\u1ee9 tr\u00ean danh ngh\u0129a b\u00e0 Lan ch\u1ec9 s\u1edf h\u1eefu ch\u01b0a \u0111\u1ebfn 5% c\u1ed5 ph\u1ea7n.<\/p>\n

Theo k\u1ebft lu\u1eadn \u0111i\u1ec1u tra, b\u00e0 Lan ch\u1ec9 \u0111\u1ee9ng t\u00ean h\u01a1n 4% c\u1ed5 ph\u1ea7n, 80% c\u00f2n l\u1ea1i nh\u1edd… 74 ng\u01b0\u1eddi kh\u00e1c \u0111\u1ee9ng t\u00ean nh\u1eb1m tr\u00e1nh quy \u0111\u1ecbnh m\u1ed9t c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu v\u01b0\u1ee3t qu\u00e1 5% c\u1ed5 ph\u1ea7n c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Th\u1ef1c ch\u1ea5t n\u0103m 2018, b\u00e0 Lan s\u1edf h\u1eefu 91,5% c\u1ed5 ph\u1ea7n \u1edf SCB d\u01b0\u1edbi danh ngh\u0129a c\u1ee7a 27 ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n.<\/p>\n

V\u00ec v\u1eady, vi\u1ec7c 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 c\u00f3 th\u1ef1c s\u1ef1 hi\u1ec7u qu\u1ea3 khi t\u00ecnh tr\u1ea1ng \u0111\u1ee9ng t\u00ean h\u1ed9 v\u1eabn x\u1ea3y ra r\u1ea5t ph\u1ed5 bi\u1ebfn, chuy\u00ean gia \u0111\u1eb7t v\u1ea5n \u0111\u1ec1.<\/p>\n

\"Gi\u1ea3m<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>. (\u1ea2nh: <\/em>NVCC<\/em>).<\/em><\/h5>\n

Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>, c\u0169ng nh\u00ecn nh\u1eadn t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng nh\u01b0 quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. Th\u1eadm ch\u00ed, nhi\u1ec1u qu\u1ed1c gia c\u00f2n ch\u1ea5p nh\u1eadn t\u1ef7 l\u1ec7 s\u1edf h\u1eefu cao h\u01a1n Vi\u1ec7t Nam.<\/p>\n

\u201cT\u1ef7 l\u1ec7 s\u1edf h\u1eefu kh\u00f4ng ph\u1ea3i l\u00e0 v\u1ea5n \u0111\u1ec1, v\u1ea5n \u0111\u1ec1 ch\u00ednh l\u00e0 minh b\u1ea1ch s\u1edf h\u1eefu v\u00e0 gi\u00e1m s\u00e1t cho vay. N\u1ebfu c\u00e1c \u00f4ng ch\u1ee7 ng\u00e2n h\u00e0ng n\u1eafm 15 – 20% v\u1ed1n ng\u00e2n h\u00e0ng th\u00ec kh\u00f4ng ai c\u00f3 th\u1ec3 l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng. Th\u1ef1c t\u1ebf c\u00e1c tr\u01b0\u1eddng h\u1ee3p khuynh \u0111\u1ea3o ng\u00e2n h\u00e0ng v\u1eeba qua cho th\u1ea5y, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu th\u1ef1c s\u1ef1 c\u1ee7a c\u00e1c \u00f4ng ch\u1ee7 nh\u00e0 b\u0103ng l\u00ean t\u1edbi 80 – 90%\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0kh\u1eb3ng \u0111\u1ecbnh.<\/em><\/p>\n

Gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng l\u1ea1i c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nh\u1eefng x\u00e1o tr\u1ed9n kh\u00f4ng c\u1ea7n thi\u1ebft<\/strong><\/h5>\n

M\u1ed9t \u0111i\u1ec3m m\u1edbi t\u1ea1i D\u1ef1 th\u1ea3o Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) l\u00e0 quy \u0111\u1ecbnh gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng xu\u1ed1ng 10% v\u1ed1n t\u1ef1 c\u00f3 \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 15% v\u1ed1n t\u1ef1 c\u00f3 \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, theo c\u00e1c chuy\u00ean gia quy \u0111\u1ecbnh n\u00e0y c\u0169ng kh\u00f3 c\u00f3 th\u1ec3 x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 t\u00ecnh tr\u1ea1ng “s\u00e2n sau – s\u00e2n tr\u01b0\u1edbc”.<\/p>\n

Thay v\u00ec m\u1ed9t kh\u00e1ch h\u00e0ng vay \u0111\u1ec3 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng t\u00e1ch th\u00e0nh nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u00e0 c\u00f3 m\u1ed1i quan h\u1ec7 m\u1eadt thi\u1ebft v\u1edbi nhau. Nh\u01b0 v\u1ee5 vi\u1ec7c t\u1ea1i Ng\u00e2n h\u00e0ng SCB, b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan s\u1eed d\u1ee5ng h\u00e0ng tr\u0103m ph\u00e1p nh\u00e2n v\u00e0 chi\u1ebfm t\u1edbi 93% d\u01b0 n\u1ee3 c\u1ee7a SCB.<\/p>\n

TS Hu\u00e2n cho bi\u1ebft v\u1ee5 vi\u1ec7cx\u1ea3y ra t\u1ea1i Ng\u00e2n h\u00e0ng SCB cho th\u1ea5y v\u1ea5n \u0111\u1ec1 n\u00e0y\u00a0\u0111ang r\u1ea5t nh\u1ee9c nh\u1ed1i v\u00e0 c\u00f3 th\u1ec3 c\u00f2n x\u1ea3y ra \u1edf m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng kh\u00e1c. Ngay c\u1ea3 tr\u00ean th\u1ebf gi\u1edbi c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng r\u1ea5t kh\u00f3 kh\u0103n trong vi\u1ec7c x\u1eed l\u00fd t\u00ecnh tr\u1ea1ng n\u00e0y ch\u1ee9 kh\u00f4ng ri\u00eang g\u00ec Vi\u1ec7t Nam.<\/p>\n

“Qu\u00e1 tr\u00ecnh ph\u1ea1m t\u1ed9i c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng th\u01b0\u1eddng r\u1ea5t tinh vi m\u00e0 c\u00e1c nghi\u1ec7p v\u1ee5 b\u00ecnh th\u01b0\u1eddng c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd kh\u00f3 ph\u00e1t hi\u1ec7n. Quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i n\u00e2ng cao t\u00ednh minh b\u1ea1ch c\u1ee7a ng\u00e2n h\u00e0ng b\u1edfi c\u00e1c bi\u1ec7n ph\u00e1p ch\u1ec9 mang t\u00ednh h\u1ea1n ch\u1ebf ch\u1ee9 kh\u00f3 c\u00f3 th\u1ec3 x\u1eed l\u00fd tri\u1ec7t”, chuy\u00ean gia n\u00f3i.<\/p>\n

Trong khi \u0111\u00f3, vi\u1ec7c gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng l\u1ea1i c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nh\u1eefng x\u00e1o tr\u1ed9n kh\u00f4ng c\u1ea7n thi\u1ebft v\u1edbi n\u1ec1n kinh t\u1ebf, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, khi d\u1ef1 \u00e1n t\u1ed1t c\u1ea7n v\u1ed1n l\u1ea1i kh\u00f4ng th\u1ec3 vay do h\u1ea1n m\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng b\u1ecb gi\u1ea3m hay vi\u1ec7c nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn ph\u1ea3i tho\u00e1i v\u1ed1n v\u00ec quy \u0111\u1ecbnh m\u1edbi.<\/p>\n

C\u1ea7n c\u00f3 quy \u0111\u1ecbnh minh b\u1ea1ch th\u00f4ng tin c\u00e1c ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

C\u00e1c chuy\u00ean gia cho r\u1eb1ng \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i minh b\u1ea1ch to\u00e0n b\u1ed9 thu nh\u1eadp v\u00e0 t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n c\u1ee7a c\u00e1c c\u00e1c nh\u00e2n, t\u1ed5 ch\u1ee9c l\u00e0 c\u1ed5 \u0111\u00f4ng ng\u00e2n h\u00e0ng. C\u1ea7n x\u00e1c \u0111\u1ecbnh ngh\u0129a v\u1ee5 c\u00f4ng b\u1ed1 th\u00f4ng tin v\u1edbi c\u1ed5 \u0111\u00f4ng v\u00e0 nh\u00f3m ng\u01b0\u1eddi c\u00f3 li\u00ean quan s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tr\u00ean m\u1ed9t m\u1ee9c c\u1ee5 th\u1ec3.<\/p>\n

\u00d4ng Tr\u1ecbnh Xu\u00e2n An, \u1ee6y vi\u00ean chuy\u00ean tr\u00e1ch \u1ee6y ban Qu\u1ed1c ph\u00f2ng an ninh c\u1ee7a Qu\u1ed1c h\u1ed9i. (\u1ea2nh:\u00a0C\u1ed5ng TT\u0110T Qu\u1ed1c h\u1ed9i<\/em>).<\/p>\n

Theo \u00f4ng Tr\u1ecbnh Xu\u00e2n An, \u1ee6y vi\u00ean chuy\u00ean tr\u00e1ch \u1ee6y ban Qu\u1ed1c ph\u00f2ng an ninh c\u1ee7a Qu\u1ed1c h\u1ed9i, hi\u1ec7n nay Lu\u1eadt Ch\u1ee9ng kho\u00e1n \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5 v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u00f4ng b\u1ed1 th\u00f4ng tin tuy nhi\u00ean nh\u1eefng c\u00f4ng ty ch\u01b0a ni\u00eam y\u1ebft nh\u01b0 Ng\u00e2n h\u00e0ng SCB l\u1ea1i kh\u00f4ng ph\u1ea3i tu\u00e2n theo quy \u0111\u1ecbnh n\u00e0y. V\u00ec v\u1eady, c\u1ea7n c\u00f3 quy \u0111\u1ecbnh v\u1ec1 minh b\u1ea1ch th\u00f4ng tin v\u1edbi to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng nh\u1edd ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean h\u1ed9, s\u1eed h\u1eefu ch\u00e9o…<\/p>\n

\u00d4ng cho r\u1eb1ng ph\u1ea3i ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n, ngu\u1ed3n ti\u1ec1n g\u00f3p v\u1ed1n th\u00f4ng qua c\u01a1 ch\u1ebf thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 \u00e1p d\u1ee5ng ki\u1ec3m so\u00e1t d\u1eef li\u1ec7u c\u00e1 nh\u00e2n.<\/p>\n

“D\u00f2ng ti\u1ec1n kh\u00f4ng ph\u1ea3i t\u1ef1 nhi\u00ean c\u00f3, ph\u1ea3i t\u1eeb \u0111\u00e2u, c\u00e1 nh\u00e2n n\u00e0o. V\u1ee5 vi\u1ec7c c\u1ee7a V\u1ea1n Th\u1ecbnh Ph\u00e1t cho ta th\u1ea5y b\u00e0i h\u1ecdc r\u1ea5t l\u1edbn, m\u1ed9t c\u00e1 nh\u00e2n kh\u00f4ng \bc\u00f3 thu nh\u1eadp cao, t\u00e0i s\u1ea3n l\u1edbn l\u1ea1i tr\u1edf th\u00e0nh c\u1ed5 \u0111\u00f4ng ng\u00e2n h\u00e0ng th\u00ec c\u1ea7n xem x\u00e9t k\u1ef9”, \u00f4ng n\u00f3i.<\/p>\n

Gi\u1ea3i ph\u00e1p th\u1ee9 hai \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia \u0111\u01b0a ra l\u00e0 c\u1ea7n n\u00e2ng cao tr\u00e1ch nhi\u1ec7m gi\u00e1m s\u00e1t c\u1ee7a c\u00e1c ch\u1ee7 th\u1ec3 trong x\u00e3 h\u1ed9i. Chia s\u1ebb tr\u00ean\u00a0VTV<\/em>, Chuy\u00ean gia H\u1ed3 Qu\u1ed1c Tu\u1ea5n, Gi\u1ea3ng vi\u00ean Cao c\u1ea5p chuy\u00ean ng\u00e0nh T\u00e0i ch\u00ednh, K\u1ebf to\u00e1n, \u0110\u1ea1i h\u1ecdc Bristol, Anh cho hay \u1edf c\u00e1c n\u01b0\u1edbc, do h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t c\u00f3 th\u1ec3 t\u1ed5 ch\u1ee9c th\u00e0nh song song, n\u00ean c\u00f3 th\u1ec3 gi\u00e1m s\u00e1t ch\u00e9o l\u1eabn nhau.<\/p>\n

“T\u1ee9c l\u00e0 c\u00f3 m\u1ed9t t\u1ed5 ch\u1ee9c gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh, h\u1ecd gi\u00e1m s\u00e1t ch\u00e9o ph\u00eda b\u00ean ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc v\u00e0 ng\u01b0\u1ee3c l\u1ea1i ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t ch\u00e9o l\u1ea1i t\u1ed5 ch\u1ee9c gi\u00e1m s\u00e1t xem \u0111\u00e3 th\u1ef1c hi\u1ec7n \u0111\u00fang ch\u01b0a”, \u00f4ng Tu\u1ea5n n\u00f3i.<\/p>\n

Kh\u00f4ng ch\u1ec9 c\u01a1 quan c\u00f3 tr\u00e1ch nhi\u1ec7m gi\u00e1m s\u00e1t tr\u1ef1c ti\u1ebfp nh\u01b0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u00e0 nh\u1eefng ch\u1ee7 th\u1ec3 gi\u00e1m s\u00e1t \u0111\u1ed9c l\u1eadp nh\u01b0 \u0111\u1ea1i bi\u1ec3u qu\u1ed1c h\u1ed9i v\u00e0 truy\u1ec1n th\u00f4ng c\u0169ng c\u1ea7n t\u0103ng c\u01b0\u1eddng gi\u00e1m s\u00e1t th\u00f4ng qua h\u1ec7 th\u1ed1ng th\u00f4ng tin minh b\u1ea1ch c\u00f4ng khai.<\/p>\n

H\u1ea1<\/strong> An<\/strong><\/p>\n

—————<\/p>\n

Vietnam<\/em><\/strong> Biz<\/em><\/strong> (T\u00e0i<\/em><\/strong> ch\u00ednh<\/em><\/strong>) ng\u00e0y <\/em><\/strong>04-12<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/vietnambiz.vn\/chuyen-gia-giam-ty-le-so-huu-cung-kho-ngan-viec-thao-tung-ngan-hang-2023124154021261.htm<\/a><\/em><\/p>\n

(<\/em>143\/1.409<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Chuy\u00ean gia: Gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u0169ng kh\u00f3 ng\u0103n vi\u1ec7c thao t\u00fang ng\u00e2n h\u00e0ng (VNB) – Theo c\u00e1c chuy\u00ean gia quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu kh\u00f4ng ph\u1ea3i l\u00e0 v\u1ea5n \u0111\u1ec1, v\u1ea5n \u0111\u1ec1 ch\u00ednh l\u00e0 minh b\u1ea1ch s\u1edf h\u1eefu v\u00e0 gi\u00e1m s\u00e1t cho vay, b\u00e0i h\u1ecdc nh\u00e3n ti\u1ec1n l\u00e0 v\u1ee5 vi\u1ec7c x\u1ea3y ra […]<\/p>\n","protected":false},"author":1,"featured_media":38467,"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-38466","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":"\n3.629. 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