{"id":38578,"date":"2023-12-16T18:20:34","date_gmt":"2023-12-16T11:20:34","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38578"},"modified":"2024-11-18T14:28:53","modified_gmt":"2024-11-18T07:28:53","slug":"4-208-lo-ngai-hieu-ung-nguoc-tu-viec-siet-ty-le-so-huu-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-208-lo-ngai-hieu-ung-nguoc-tu-viec-siet-ty-le-so-huu-ngan-hang\/","title":{"rendered":"4.208. Lo ng\u1ea1i hi\u1ec7u \u1ee9ng ng\u01b0\u1ee3c t\u1eeb vi\u1ec7c si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Lo ng\u1ea1i hi\u1ec7u \u1ee9ng ng\u01b0\u1ee3c t\u1eeb vi\u1ec7c si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(KTSG) \u2013 Vi\u1ec7c si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng v\u1edbi c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 chuy\u00ean gia \u0111\u00e1nh gi\u00e1 l\u00e0 kh\u00f4ng c\u00f3 nhi\u1ec1u hi\u1ec7u qu\u1ea3 trong vi\u1ec7c ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o v\u00e0 thao t\u00fang ng\u00e2n h\u00e0ng, th\u1eadm ch\u00ed c\u00f3 th\u1ec3 g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u00ednh \u1ed5n \u0111\u1ecbnh c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng hi\u1ec7n h\u1eefu, l\u00e0m gi\u1ea3m \u0111\u1ed9ng l\u1ef1c c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i.<\/em><\/strong> C\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u mong \u0111\u01b0\u1ee3c n\u1edbi room ngo\u1ea1i h\u01a1n n\u1eefa nh\u1eb1m c\u00f3 d\u01b0 \u0111\u1ecba cho c\u00e1c ph\u01b0\u01a1ng \u00e1n huy \u0111\u1ed9ng v\u1ed1n trong t\u01b0\u01a1ng lai.<\/h5>\n
\"Lo

\u1ea2nh minh ho\u1ea1: TL<\/p><\/div>\n

Si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu kh\u00f3 ng\u0103n s\u1edf h\u1eefu ch\u00e9o<\/strong><\/p>\n

Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) hi\u1ec7n h\u00e0nh \u0111\u01b0\u1ee3c ban h\u00e0nh c\u00e1ch \u0111\u00e2y 10 n\u0103m, th\u1eddi \u0111i\u1ec3m quy m\u00f4 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam ch\u01b0a l\u1edbn, trung b\u00ecnh ch\u1ec9 v\u00e0i ngh\u00ecn t\u1ec9 \u0111\u1ed3ng cho m\u1ed7i ng\u00e2n h\u00e0ng, TCTD. Trong lu\u1eadt quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n, g\u1ed3m: m\u1ed9t c\u1ed5 \u0111\u00f4ng l\u00e0 c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu v\u01b0\u1ee3t qu\u00e1 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; m\u1ed9t c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu v\u01b0\u1ee3t qu\u00e1 15% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p nh\u01b0 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3 \u0110i\u1ec1u 149 c\u1ee7a Lu\u1eadt n\u00e0y \u0111\u1ec3 x\u1eed l\u00fd t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng g\u1eb7p kh\u00f3 kh\u0103n, b\u1ea3o \u0111\u1ea3m an to\u00e0n h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; S\u1edf h\u1eefu c\u1ed5 ph\u1ea7n nh\u00e0 n\u01b0\u1edbc t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ed5 ph\u1ea7n h\u00f3a; S\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 16 c\u1ee7a Lu\u1eadt n\u00e0y \u2013 PV); c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u1ee7a c\u1ed5 \u0111\u00f4ng \u0111\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu v\u01b0\u1ee3t qu\u00e1 20% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Nh\u1eefng quy \u0111\u1ecbnh n\u00e0y l\u00e0 h\u1ee3p l\u00fd \u0111\u1ec3 g\u00f3p ph\u1ea7n ng\u0103n ch\u1eb7n s\u1edf h\u1eefu ch\u00e9o, s\u1edf h\u1eefu c\u00f3 t\u00ednh ch\u1ea5t chi ph\u1ed1i, thao t\u00fang trong c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Nh\u01b0ng v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf v\u00e0 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, h\u00ecnh th\u00e1i s\u1edf h\u1eefu ch\u00e9o c\u0169ng d\u1ea7n thay \u0111\u1ed5i theo th\u1eddi gian. Ch\u1eb3ng h\u1ea1n, th\u00e0nh l\u1eadp c\u00f4ng ty v\u00e0 s\u1eed d\u1ee5ng quan h\u1ec7 th\u00e0nh vi\u00ean gia \u0111\u00ecnh (ngo\u00e0i c\u00e1c th\u00e0nh vi\u00ean gia \u0111\u00ecnh theo quy \u0111\u1ecbnh Lu\u1eadt C\u00e1c TCTD hi\u1ec7n h\u00e0nh \u2013 PV) \u0111\u1ec3 gi\u00e1n ti\u1ebfp gia t\u0103ng s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n \u1edf ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i m\u00e0 kh\u00f4ng vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n. Ngo\u00e0i ra, s\u1eed d\u1ee5ng doanh nghi\u1ec7p \u201cs\u00e2n sau\u201d \u0111\u1ec3 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu cho ng\u00e2n h\u00e0ng, sau \u0111\u00f3 l\u1ea5y s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c t\u1eeb b\u00e1n tr\u00e1i phi\u1ebfu \u0111\u1ec3 mua l\u1ea1i c\u1ed5 ph\u1ea7n ng\u00e2n h\u00e0ng, qua \u0111\u00f3 s\u1edf h\u1eefu ng\u1ea7m ng\u00e2n h\u00e0ng.<\/p>\n

B\u1ed1i c\u1ea3nh tr\u00ean khi\u1ebfn c\u00e1c chuy\u00ean gia lo ng\u1ea1i 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, nh\u00f3m c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi li\u00ean quan t\u1eeb m\u1ee9c 5%, 15%, 20% v\u1ed1n \u0111i\u1ec1u l\u1ec7 xu\u1ed1ng c\u00f2n 3%, 10%, 15%, kh\u00f4ng c\u00f3 nhi\u1ec1u \u00fd ngh\u0129a trong ng\u0103n ch\u1eb7n s\u1edf h\u1eefu ch\u00e9o.<\/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> cho r\u1eb1ng gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu kh\u00f4ng ph\u1ea3i l\u00e0 bi\u1ec7n ph\u00e1p tr\u1ecdng y\u1ebfu \u0111\u1ec3 ng\u0103n s\u1edf h\u1eefu ch\u00e9o v\u00ec m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1.<\/em><\/p>\n

Th\u1ee9 nh\u1ea5t, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a c\u1ed5 \u0111\u00f4ng v\u00e0 nh\u00f3m c\u1ed5 \u0111\u00f4ng trong lu\u1eadt hi\u1ec7n nay \u0111\u00e3 l\u00e0 c\u1eadp nh\u1eadt, ph\u00f9 h\u1ee3p th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf. Th\u1ef1c t\u1ebf, n\u1ebfu c\u1ed5 \u0111\u00f4ng v\u00e0 nh\u00f3m c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu kh\u00f4ng qu\u00e1 20% v\u1ed1n ng\u00e2n h\u00e0ng nh\u01b0 quy \u0111\u1ecbnh hi\u1ec7n nay, kh\u00f4ng ai c\u00f3 th\u1ec3 chi ph\u1ed1i \u0111\u01b0\u1ee3c quy\u1ec1n c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng. Song t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng, nh\u00f3m c\u1ed5 \u0111\u00f4ng v\u1eabn s\u1edf h\u1eefu qu\u00e1 50% v\u1ed1n ng\u00e2n h\u00e0ng, l\u00e0m khuynh \u0111\u1ea3o ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Th\u1ee9 hai, hi\u1ec7n nay, m\u1ed9t s\u1ed1 qu\u1ed1c gia ch\u1ea5p nh\u1eadn m\u1ee9c \u0111\u1ed9 s\u1edf h\u1eefu c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c v\u1edbi ng\u00e2n h\u00e0ng r\u1ea5t cao, b\u1edfi h\u1ecd x\u00e1c \u0111\u1ecbnh \u201cs\u1edf h\u1eefu kh\u00f4ng ph\u1ea3i l\u00e0 v\u1ea5n \u0111\u1ec1\u201d, m\u00e0 \u201cgi\u00e1m s\u00e1t cho vay m\u1edbi l\u00e0 v\u1ea5n \u0111\u1ec1\u201d.<\/em><\/p>\n

V\u1edbi hai y\u1ebfu t\u1ed1 tr\u00ean, chuy\u00ean gia n\u00e0y cho r\u1eb1ng \u00f4ng\/b\u00e0 ch\u1ee7 s\u1edf h\u1eefu 70% v\u1ed1n ng\u00e2n h\u00e0ng m\u00e0 ch\u1ec9 \u0111\u1ea1o cho vay \u0111\u00fang th\u00ec v\u1eabn kh\u00f4ng nguy hi\u1ec3m b\u1eb1ng vi\u1ec7c \u00f4ng\/b\u00e0 ch\u1ee7 s\u1edf h\u1eefu 5% v\u1ed1n ng\u00e2n h\u00e0ng, nh\u01b0ng l\u1ea1i cho vay sai nguy\u00ean t\u1eafc. V\u00ec v\u1eady, NHNN c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf \u0111\u1ec3 gi\u00e1m s\u00e1t h\u00e0nh vi cho vay sai tr\u00e1i, \u0111\u1ed3ng th\u1eddi t\u0103ng ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t.<\/em><\/p>\n

\u201cNhi\u1ec1u \u00f4ng\/b\u00e0 ch\u1ee7 ng\u00e2n h\u00e0ng \u0111\u1ed3ng th\u1eddi l\u00e0 \u00f4ng\/b\u00e0 ch\u1ee7 c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111ang s\u1edf h\u1eefu h\u00e0ng tr\u0103m c\u00f4ng ty con. Th\u00f4ng qua m\u1ea1ng l\u01b0\u1edbi c\u00f4ng ty n\u00e0y, l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng \u2013 c\u0169ng l\u00e0 c\u1ed5 \u0111\u00f4ng l\u1edbn v\u00e0 l\u00e0 \u00f4ng ch\u1ee7 s\u00e2n sau \u2013 \u0111\u00e3 ph\u00ea duy\u1ec7t c\u00e1c g\u00f3i t\u00edn d\u1ee5ng v\u01b0\u1ee3t quy \u0111\u1ecbnh. \u0110\u1ed3ng th\u1eddi, c\u00e1c c\u00f4ng ty con m\u1eb7c s\u1ee9c ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu b\u00e1n cho ng\u00e2n h\u00e0ng, r\u00fat ru\u1ed9t ng\u00e2n h\u00e0ng\u201d, chuy\u00ean gia n\u00e0y ph\u00e2n t\u00edch.<\/em><\/p>\n

Nh\u01b0 v\u1eady, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n ch\u1ec9 l\u00e0 b\u1ec1 n\u1ed5i c\u1ee7a t\u1ea3ng b\u0103ng ch\u00ecm. T\u1ef7 l\u1ec7 s\u1edf h\u1eefu th\u1ef1c \u0111\u01b0\u1ee3c che d\u1ea5u trong l\u1edbp b\u0103ng ng\u1ea7m ma tr\u1eadn c\u00f4ng ty con v\u00e0 h\u1ec7 sinh th\u00e1i ch\u1eb1ng ch\u1ecbt. Cho \u0111\u1ebfn nay, ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o \u0111\u1ec3 ki\u1ec3m so\u00e1t c\u00e1c t\u1eadp \u0111o\u00e0n c\u00f3 m\u1ed1i li\u00ean h\u1ec7 m\u1eadt thi\u1ebft v\u1edbi ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Th\u1ef1c t\u1ebf, t\u1ea1i k\u1ebft lu\u1eadn v\u1ee5 \u00e1n tham \u00f4 t\u00e0i s\u1ea3n, vi ph\u1ea1m ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, \u0111\u01b0a h\u1ed1i l\u1ed9, nh\u1eadn h\u1ed1i l\u1ed9\u2026 x\u1ea3y ra t\u1ea1i V\u1ea1n Th\u1ecbnh Ph\u00e1t, SCB v\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb, t\u1ed5 ch\u1ee9c li\u00ean quan, C\u01a1 quan C\u1ea3nh s\u00e1t \u0111i\u1ec1u tra B\u1ed9 C\u00f4ng an (C03) cao bu\u1ed9c b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan \u2013 Ch\u1ee7 t\u1ecbch V\u1ea1n Th\u1ecbnh Ph\u00e1t, v\u1edbi th\u1ee7 \u0111o\u1ea1n nh\u1edd ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n, \u0111\u00e3 n\u1eafm gi\u1eef 81,43% c\u1ed5 ph\u1ea7n Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n (c\u0169) d\u01b0\u1edbi t\u00ean c\u1ee7a 32 c\u1ed5 \u0111\u00f4ng; 98,74% c\u1ed5 ph\u1ea7n Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam T\u00edn Ngh\u0129a d\u01b0\u1edbi t\u00ean c\u1ee7a 36 c\u1ed5 \u0111\u00f4ng v\u00e0 80,46% c\u1ed5 ph\u1ea7n Ng\u00e2n h\u00e0ng TMCP \u0110\u1ec7 Nh\u1ea5t d\u01b0\u1edbi t\u00ean c\u1ee7a 24 c\u1ed5 \u0111\u00f4ng t\u1eeb th\u00e1ng 12-2011.<\/p>\n

Sau khi 3 ng\u00e2n h\u00e0ng n\u00e0y \u0111\u01b0\u1ee3c h\u1ee3p nh\u1ea5t v\u00e0o ng\u00e0y 10-1-2012 v\u1edbi t\u00ean g\u1ecdi l\u00e0 Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n (SCB), b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan ti\u1ebfp t\u1ee5c nh\u1edd 73 c\u1ed5 \u0111\u00f4ng \u0111\u1ee9ng t\u00ean s\u1edf h\u1eefu 85,606% c\u1ed5 ph\u1ea7n SCB, \u0111\u1ed3ng th\u1eddi tr\u1ef1c ti\u1ebfp \u0111\u1ee9ng t\u00ean c\u1ed5 ph\u1ea7n t\u1ea1i SCB \u0111\u1ec3 \u0111\u1ea1t t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ea1i ng\u00e2n h\u00e0ng n\u00e0y l\u00ean t\u1edbi 91,545% v\u00e0o ng\u00e0y 1-1-2018.<\/p>\n

T\u00ednh \u0111\u1ebfn th\u00e1ng 10-2022, SCB c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7 h\u01a1n 15.200 t\u1ef7 \u0111\u1ed3ng (t\u01b0\u01a1ng \u1ee9ng 1,523 t\u1ef7 c\u1ed5 ph\u1ea7n), v\u1edbi t\u1ed5ng s\u1ed1 4.129 c\u1ed5 \u0111\u00f4ng. Trong \u0111\u00f3, b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan s\u1edf h\u1eefu, chi ph\u1ed1i 1,394 t\u1ef7 c\u1ed5 ph\u1ea7n (chi\u1ebfm 91,536% v\u1ed1n \u0111i\u1ec1u l\u1ec7 SCB), bao g\u1ed3m tr\u1ef1c ti\u1ebfp s\u1edf h\u1eefu g\u1ea7n 75,89 tri\u1ec7u c\u1ed5 ph\u1ea7n (4,98%), s\u1ed1 c\u00f2n l\u1ea1i do 27 ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n \u0111\u1ee9ng t\u00ean h\u1ed9.<\/p>\n

V\u1edbi vai tr\u00f2 l\u00e0 c\u1ed5 \u0111\u00f4ng ch\u00ednh, d\u00f9 kh\u00f4ng gi\u1eef ch\u1ee9c v\u1ee5, kh\u00f4ng tham gia qu\u1ea3n tr\u1ecb hay \u0111i\u1ec1u h\u00e0nh SCB, nh\u01b0ng th\u00f4ng qua nh\u1eefng ng\u01b0\u1eddi th\u00e2n t\u00edn t\u1ea1i SCB, b\u1ecb can Tr\u01b0\u01a1ng M\u1ef9 Lan v\u1eabn c\u00f3 th\u1ec3 chi ph\u1ed1i, l\u0169ng \u0111o\u1ea1n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y, bi\u1ebfn ng\u00e2n h\u00e0ng th\u00e0nh c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n r\u1ed3i chi\u1ebfm \u0111o\u1ea1t.<\/p>\n

Tr\u01b0\u1edbc khi C03 c\u00f4ng b\u1ed1 k\u1ebft lu\u1eadn v\u1ee5 \u00e1n, t\u1ea1i m\u1ed9t to\u1ea1 \u0111\u00e0m v\u1ec1 s\u1edf h\u1eefu ch\u00e9o, theo GS. TS Tr\u1ea7n Ng\u1ecdc Th\u01a1 t\u1eebng nh\u1ea5n m\u1ea1nh vi\u1ec7c s\u1edf h\u1eefu ch\u00e9o, chi ph\u1ed1i, thao t\u00fang l\u00e0 c\u00e1c th\u1ee7 thu\u1eadt r\u1ea5t tinh vi v\u00e0 th\u01b0\u1eddng l\u00e0 v\u00f4 h\u00ecnh, t\u1ee9c c\u00e1c \u00f4ng\/b\u00e0 ch\u1ee7 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 chi ph\u1ed1i nh\u00e0 b\u0103ng d\u1ec5 d\u00e0ng d\u00f9 ch\u1ec9 n\u1eafm gi\u1eef 1% c\u1ed5 ph\u1ea7n. Do \u0111\u00f3, \u1ee9ng ph\u00f3 v\u1edbi t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o b\u1eb1ng m\u1ed9t h\u1eb1ng s\u1ed1 b\u1ea5t bi\u1ebfn v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i D\u1ef1 th\u1ea3o Lu\u1eadt C\u00e1c TCTD s\u1eeda \u0111\u1ed5i, khi\u1ebfn c\u01a1 quan qu\u1ea3n l\u00fd kh\u00f3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau.<\/p>\n

C\u00f2n Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) cho r\u1eb1ng vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a t\u1ea1i m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng so v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh khi\u1ebfn gi\u1edbi ng\u00e2n h\u00e0ng lo l\u1eafng, v\u00e0 \u0111\u00e1nh gi\u00e1 c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m \u0111\u1ed9ng l\u1ef1c ph\u00e1t tri\u1ec3n.<\/p>\n

Theo VCCI, s\u1ef1 thay \u0111\u1ed5i n\u00e0y, c\u00f9ng v\u1edbi vi\u1ec7c m\u1edf r\u1ed9ng kh\u00e1i ni\u1ec7m ng\u01b0\u1eddi c\u00f3 li\u00ean quan, \u0111\u01b0\u1ee3c suy \u0111o\u00e1n l\u00e0 nh\u1eb1m ch\u1ed1ng l\u1ea1i t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, t\u0103ng t\u00ednh \u0111\u1ea1i ch\u00fang c\u1ee7a ng\u00e2n h\u00e0ng. T\u1eeb \u0111\u00f3, c\u1ea3i thi\u1ec7n t\u00ednh minh b\u1ea1ch, gi\u1ea3m xung \u0111\u1ed9t l\u1ee3i \u00edch khi c\u1ea5p t\u00edn d\u1ee5ng, t\u0103ng t\u00ednh an to\u00e0n cho ng\u00e2n h\u00e0ng.<\/p>\n

Tuy nhi\u00ean, th\u1ef1c t\u1ebf l\u1ea1i cho th\u1ea5y \u0111i\u1ec1u ng\u01b0\u1ee3c l\u1ea1i. \u0110\u00f3 l\u00e0 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a hi\u1ec7n h\u00e0nh t\u1ea1i Vi\u1ec7t Nam t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p so v\u1edbi nhi\u1ec1u n\u01b0\u1edbc, nh\u01b0ng 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 v\u1eabn th\u01b0\u1eddng xuy\u00ean di\u1ec5n ra, l\u00e0m t\u0103ng r\u1ee7i ro c\u1ee7a h\u1ec7 th\u1ed1ng.<\/p>\n

\u201cD\u01b0\u1eddng nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u1ed1i \u0111a \u0111\u00e3 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\u201d, VCCI nh\u1eadn x\u00e9t.<\/p>\n

B\u00ean c\u1ea1nh nh\u1eadn x\u00e9t c\u1ee7a VCCI, k\u1ebft lu\u1eadn c\u1ee7a Thanh tra Ch\u00ednh ph\u1ee7 \u0111\u1ea7u th\u00e1ng 7-2023 c\u0169ng cho th\u1ea5y t\u00ecnh tr\u1ea1ng c\u1ea5p t\u00edn d\u1ee5ng t\u1eadp trung v\u1eabn di\u1ec5n ra t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng<\/p>\n

Lo ng\u1ea1i hi\u1ec7u \u1ee9ng ng\u01b0\u1ee3c<\/strong><\/p>\n

Kh\u00f4ng ch\u1ec9 \u00edt t\u1ea1o t\u00e1c \u0111\u1ed9ng trong vi\u1ec7c ch\u1ed1ng s\u1edf h\u1eefu ch\u00e9o, vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu khi\u1ebfn nhi\u1ec1u chuy\u00ean gia lo ng\u1ea1i s\u1ebd g\u00e2y t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. N\u1ebfu \u0111\u1ec1 xu\u1ea5t n\u00e0y \u0111\u01b0\u1ee3c th\u00f4ng qua v\u00e0 \u00e1p d\u1ee5ng h\u1ed3i t\u1ed1, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam s\u1ebd b\u1ecb \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn v\u00ec nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn ph\u1ea3i tho\u00e1i v\u1ed1n. \u0110\u1eb7c bi\u1ec7t, quy \u0111\u1ecbnh n\u00e0y s\u1ebd c\u00e0ng l\u00e0m gi\u1ea3m s\u1ee9c h\u1ea5p d\u1eabn c\u1ee7a ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

VCCI \u0111\u00e1nh gi\u00e1 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, v\u00ec c\u00e1c c\u1ed5 \u0111\u00f4ng kh\u00f4ng th\u1ef1c s\u1ef1 g\u1eafn b\u00f3 v\u1edbi vi\u1ec7c kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

\u201cTh\u1ef1c t\u1ebf, 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 nh\u00e0 b\u0103ng ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 h\u01a1n\u201d, VCCI cho bi\u1ebft.<\/p>\n

C\u0169ng theo c\u01a1 quan n\u00e0y, ph\u01b0\u01a1ng \u00e1n gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu s\u1ebd khi\u1ebfn m\u1ed9t s\u1ed1 c\u1ed5 \u0111\u00f4ng hi\u1ec7n h\u1eefu ph\u1ea3i b\u00e1n l\u1ea1i c\u1ed5 ph\u1ea7n c\u1ee7a h\u1ecd. \u0110i\u1ec1u n\u00e0y kh\u00f4ng b\u1ea3o \u0111\u1ea3m nguy\u00ean t\u1eafc b\u1ea3o v\u1ec7 quy\u1ec1n t\u00e0i s\u1ea3n theo Hi\u1ebfn ph\u00e1p.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, c\u00e1c lu\u1eadt s\u01b0 c\u1ee7a C\u00f4ng ty Lu\u1eadt Baker McKenzie Vi\u1ec7t Nam \u0111\u00e1nh gi\u00e1 vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn c\u00e1c c\u1ed5 \u0111\u00f4ng hi\u1ec7n h\u1eefu, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c c\u1ed5 \u0111\u00f4ng chi\u1ebfn l\u01b0\u1ee3c.<\/p>\n

B\u00e0 Ph\u1ea1m Th\u1ecb Th\u00fay V\u00e2n \u2013 Lu\u1eadt s\u01b0 c\u1ea5p cao C\u00f4ng ty Lu\u1eadt Baker McKenzie Vi\u1ec7t Nam v\u00e0 \u00f4ng Nguy\u1ec5n Vi\u1ebft Trung \u2013 Lu\u1eadt s\u01b0 C\u00f4ng ty Lu\u1eadt Baker McKenzie Vi\u1ec7t Nam, cho r\u1eb1ng vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn c\u00e1c c\u1ed5 \u0111\u00f4ng hi\u1ec7n h\u1eefu, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c c\u1ed5 \u0111\u00f4ng chi\u1ebfn l\u01b0\u1ee3c. C\u1ee5 th\u1ec3, c\u00e1c c\u1ed5 \u0111\u00f4ng s\u1ebd ph\u1ea3i t\u00ecm ph\u01b0\u01a1ng \u00e1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh v\u1ec1 gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n, g\u00e2y t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 \u2013 kinh doanh c\u1ee7a ch\u00ednh c\u1ed5 \u0111\u00f4ng \u0111\u00f3.<\/p>\n

Ngo\u00e0i ra, vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu s\u1ebd l\u00e0m gi\u1ea3m s\u1ee9c \u1ea3nh h\u01b0\u1edfng c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng chi\u1ebfn l\u01b0\u1ee3c trong qu\u1ea3n tr\u1ecb n\u1ed9i b\u1ed9 c\u1ee7a TCTD khi h\u1ecd ph\u1ea3i t\u00ecm ph\u01b0\u01a1ng \u00e1n \u0111\u1ec3 c\u00f3 th\u1ec3 th\u00f4ng qua c\u00e1c v\u1ea5n \u0111\u1ec1 thu\u1ed9c th\u1ea9m quy\u1ec1n c\u1ee7a \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng c\u1ee7a TCTD khi ti\u1ebfn h\u00e0nh bi\u1ec3u quy\u1ebft.<\/p>\n

\u201cX\u00e9t m\u1ed9t c\u00e1ch to\u00e0n di\u1ec7n, vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n ph\u1ea3i c\u00e2n nh\u1eafc t\u00ednh \u1ed5n \u0111\u1ecbnh c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng hi\u1ec7n h\u1eefu, v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng m\u1ed9t c\u00e1ch t\u1ed5ng th\u1ec3\u201d, hai v\u1ecb lu\u1eadt s\u01b0 l\u01b0u \u00fd.<\/p>\n

Th\u1ef1c t\u1ebf, \u0111i\u1ec7p kh\u00fac \u201ct\u1ed5 ch\u1ee9c h\u1ecdp \u0110H\u0110C\u0110 b\u1ea5t th\u00e0nh\u201d t\u1eebng l\u1eb7p l\u1ea1i li\u00ean t\u1ee5c t\u1ea1i c\u00e1c cu\u1ed9c h\u1ecdp th\u01b0\u1eddng ni\u00ean c\u1ee7a Eximbank giai \u0111o\u1ea1n 2019-2022, do nh\u1eefng b\u1ea5t \u0111\u1ed3ng gi\u1eefa nh\u00f3m c\u1ed5 \u0111\u00f4ng l\u1edbn \u2013 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n chi ph\u1ed1i v\u1edbi H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb (H\u0110QT). Vi\u1ec7c n\u00e0y t\u1eebng khi\u1ebfn H\u0110QT nhi\u1ec7m k\u1ef3 m\u1edbi c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 b\u1ea7u v\u00e0 k\u1ebf ho\u1ea1ch kinh doanh n\u0103m 2020, 2021 kh\u00f4ng th\u1ec3 th\u00f4ng qua.<\/p>\n

V\u1ec1 d\u00e0i h\u1ea1n, hai v\u1ecb lu\u1eadt s\u01b0 cho r\u1eb1ng vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n s\u1ebd gi\u1ea3m \u0111\u1ed9ng l\u1ef1c cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tham gia \u0111\u1ea7u t\u01b0 v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng \u1edf Vi\u1ec7t Nam, d\u1eabn \u0111\u1ebfn vi\u1ec7c h\u1ea1n ch\u1ebf ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0, c\u0169ng nh\u01b0 vi\u1ec7c ti\u1ebfp nh\u1eadn kinh nghi\u1ec7m c\u1ee7a c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh n\u01b0\u1edbc ngo\u00e0i c\u00f3 t\u00ean tu\u1ed5i tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

C\u1ee5 th\u1ec3, v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 c\u00f4ng ty \u0111\u1ea1i ch\u00fang ho\u1eb7c c\u00f4ng ty ni\u00eam y\u1ebft \u2013 theo Lu\u1eadt Ch\u1ee9ng kho\u00e1n 2019, m\u1ee9c s\u1edf h\u1eefu c\u1ee7a m\u1ed9t c\u1ed5 \u0111\u00f4ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u00e1o c\u00e1o l\u00e0 5%. Do \u0111\u00f3, quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u1edbi c\u00e1 nh\u00e2n ch\u1ec9 l\u00e0 3%, s\u1ebd gi\u00e1n ti\u1ebfp t\u00e1c \u0111\u1ed9ng t\u1edbi t\u00ednh minh b\u1ea1ch c\u1ee7a th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, v\u00ec c\u00e1c c\u1ed5 \u0111\u00f4ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch mua \u0111i \u2013 b\u00e1n l\u1ea1i c\u1ed5 ph\u1ea7n \u1edf c\u00e1c m\u1ed1c 1% m\u00e0 c\u00f3 th\u1ec3 kh\u00f4ng r\u01a1i v\u00e0o tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i b\u00e1o c\u00e1o giao d\u1ecbch c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u1edbn theo quy \u0111\u1ecbnh t\u1ea1i c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 ch\u1ee9ng kho\u00e1n.<\/p>\n

\u0110\u1ec3 th\u00e1o g\u1ee1 v\u01b0\u1edbng m\u1eafc, VCCI cho r\u1eb1ng c\u01a1 quan so\u1ea1n th\u1ea3o n\u00ean quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n v\u1ec1 \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1ee7 t\u1ee5c c\u1ea5p t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng li\u00ean quan v\u1edbi c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 3% tr\u1edf l\u00ean \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n, 5% \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c v\u00e0 10% v\u1edbi nh\u00f3m c\u1ed5 \u0111\u00f4ng, thay v\u00ec gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu. Trong tr\u01b0\u1eddng h\u1ee3p v\u1eabn mu\u1ed1n gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu th\u00ec kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng h\u1ed3i t\u1ed1 \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n tr\u01b0\u1edbc ng\u00e0y lu\u1eadt c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

C\u00f2n hai lu\u1eadt s\u01b0 c\u1ee7a Baker McKenzie Vi\u1ec7t Nam ki\u1ebfn ngh\u1ecb c\u01a1 quan so\u1ea1n th\u1ea3o c\u00e2n nh\u1eafc, b\u1ed5 sung th\u00eam quy \u0111\u1ecbnh v\u1ec1 chi ph\u1ed1i nh\u1eb1m \u0111\u00e1nh gi\u00e1 to\u00e0n di\u1ec7n t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng, g\u1ed3m c\u1ea3 c\u01a1 s\u01a1 \u0111\u1ec3 t\u00ednh t\u1ef7 l\u1ec7 s\u1edf h\u1eefu gi\u00e1n ti\u1ebfp c\u1ee7a c\u1ed5 \u0111\u00f4ng, thay v\u00ec ph\u01b0\u01a1ng \u00e1n gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu. Theo \u0111\u00f3, c\u1ea7n c\u00f3 m\u1ed9t c\u01a1 ch\u1ebf v\u00e0 c\u00e1c ti\u00eau ch\u00ed x\u00e1c \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 chi ph\u1ed1i c\u1ee7a c\u00e1 nh\u00e2n \u0111\u00f3 trong m\u1ed9t doanh nghi\u1ec7p, qua \u0111\u00f3 gi\u00e1n ti\u1ebfp t\u00e1c \u0111\u1ed9ng l\u00ean ho\u1ea1t \u0111\u1ed9ng c\u1ee7a TCTD.<\/p>\n

Ch\u1eb3ng h\u1ea1n, c\u1ed5 \u0111\u00f4ng \u0111\u00f3 s\u1edf h\u1eefu bao nhi\u00eau ph\u1ea7n tr\u0103m t\u1ea1i doanh nghi\u1ec7p \u0111ang n\u1eafm c\u1ed5 ph\u1ea7n c\u1ee7a TCTD, ho\u1eb7c th\u1ea9m quy\u1ec1n c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n t\u1ea1i doanh nghi\u1ec7p m\u00e0 c\u00f3 th\u1ec3 chi ph\u1ed1i ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p \u0111\u00f3.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, trong qu\u00e1 tr\u00ecnh g\u00f3p \u00fd x\u00e2y d\u1ef1ng Lu\u1eadt C\u00e1c TCTD s\u1eeda \u0111\u1ed5i, Ng\u00e2n h\u00e0ng qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIB) c\u0169ng ki\u1ebfn ngh\u1ecb c\u01a1 quan so\u1ea1n th\u1ea3o quy \u0111\u1ecbnh r\u00f5, ho\u1eb7c h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 h\u01a1n v\u1ec1 c\u00e1ch t\u00ednh s\u1edf h\u1eefu gi\u00e1n ti\u1ebfp th\u00f4ng qua ng\u01b0\u1eddi c\u00f3 li\u00ean quan, c\u01a1 s\u1edf \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh s\u1edf h\u1eefu gi\u00e1n ti\u1ebfp v\u00e0 vi\u1ec7c lo\u1ea1i tr\u1eeb ph\u1ea7n s\u1edf h\u1eefu gi\u00e1n ti\u1ebfp \u0111\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3.<\/p>\n

Ch\u1eb3ng h\u1ea1n, \u00f4ng A s\u1edf h\u1eefu 4% v\u1ed1n c\u1ed5 ph\u1ea7n c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft c\u1ee7a TCTD X, \u0111\u1ed3ng th\u1eddi s\u1edf h\u1eefu 20% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a C\u00f4ng ty c\u1ed5 ph\u1ea7n B, nh\u01b0ng kh\u00f4ng tham gia H\u0110QT, Ban ki\u1ec3m so\u00e1t, Ban \u0111i\u1ec1u h\u00e0nh C\u00f4ng ty B. C\u00f2n C\u00f4ng ty B s\u1edf h\u1eefu 5% v\u1ed1n c\u1ed5 ph\u1ea7n c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft c\u1ee7a TCTD X, theo quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 h\u1ee3p ph\u00e1p c\u1ee7a H\u0110QT C\u00f4ng ty B.<\/p>\n

\u201cV\u1eady c\u00f3 th\u1ec3 hi\u1ec3u \u00f4ng A th\u00f4ng qua ng\u01b0\u1eddi c\u00f3 li\u00ean quan \u0111\u1ec3 s\u1edf h\u1eefu th\u00eam 1% v\u1ed1n c\u1ed5 ph\u1ea7n c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft c\u1ee7a TCTD X v\u00e0 \u00f4ng A \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 c\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ee7a TCTD X hay kh\u00f4ng?\u201d, VIB n\u00eau v\u1ea5n \u0111\u1ec1.<\/p>\n

V\u00e2n<\/strong> Phong (Th\u1eafng)<\/strong><\/p>\n

————————-<\/p>\n

Kinh<\/em><\/strong> t\u1ebf S\u00e0i G\u00f2n<\/em><\/strong> (Ng\u00e2n<\/em><\/strong> h\u00e0ng<\/em><\/strong>) ng\u00e0y <\/em><\/strong>16-12<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/thesaigontimes.vn\/lo-ngai-hieu-ung-nguoc-tu-viec-siet-ty-le-so-huu-ngan-hang\/<\/a> <\/em><\/p>\n

(<\/em>375\/2.763<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Lo ng\u1ea1i hi\u1ec7u \u1ee9ng ng\u01b0\u1ee3c t\u1eeb vi\u1ec7c si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng (KTSG) \u2013 Vi\u1ec7c si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng v\u1edbi c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 chuy\u00ean gia \u0111\u00e1nh gi\u00e1 l\u00e0 kh\u00f4ng c\u00f3 nhi\u1ec1u hi\u1ec7u qu\u1ea3 trong vi\u1ec7c ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o v\u00e0 thao t\u00fang ng\u00e2n […]<\/p>\n","protected":false},"author":1,"featured_media":38579,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[36],"class_list":["post-38578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.208. Lo ng\u1ea1i hi\u1ec7u \u1ee9ng ng\u01b0\u1ee3c t\u1eeb vi\u1ec7c si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Lo ng\u1ea1i hi\u1ec7u \u1ee9ng ng\u01b0\u1ee3c t\u1eeb vi\u1ec7c si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng: Vi\u1ec7c si\u1ebft t\u1ef7 l\u1ec7 s\u1edf h\u1eefu ng\u00e2n h\u00e0ng v\u1edbi c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1....\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/4-208-lo-ngai-hieu-ung-nguoc-tu-viec-siet-ty-le-so-huu-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.208. 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