{"id":38862,"date":"2024-01-24T18:48:00","date_gmt":"2024-01-24T11:48:00","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38862"},"modified":"2024-10-10T11:25:14","modified_gmt":"2024-10-10T04:25:14","slug":"3-651-nang-chuan-quan-tri-dieu-hanh-cua-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-651-nang-chuan-quan-tri-dieu-hanh-cua-ngan-hang\/","title":{"rendered":"3.651. N\u00e2ng chu\u1ea9n qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh c\u1ee7a ng\u00e2n h\u00e0ng"},"content":{"rendered":"

N\u00e2ng chu\u1ea9n qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh c\u1ee7a ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(\u0110TCK)\u00a0<\/strong>– <\/strong>Theo gi\u1edbi chuy\u00ean gia,\u00a0Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i)\u00a0khi c\u00f3 hi\u1ec7u l\u1ef1c (t\u1eeb \u0111\u1ea7u n\u0103m 2025) s\u1ebd th\u00fac \u0111\u1ea9y ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n tr\u1ecb v\u00e0 \u0111i\u1ec1u h\u00e0nh h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng minh b\u1ea1ch h\u01a1n, hi\u1ec7u qu\u1ea3 h\u01a1n, ti\u1ec7m c\u1eadn h\u01a1n v\u1edbi c\u00e1c chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf.<\/strong><\/h5>\n

\"N\u00e2ng<\/p>\n

Ng\u0103n ch\u1eb7n l\u1ea1m quy\u1ec1n, thao t\u00fang ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

B\u00ecnh lu\u1eadn v\u1ec1 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eeda \u0111\u1ed5i, lu\u1eadt s\u01b0 Tr\u1ea7n Minh H\u1ea3i, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt Basico cho r\u1eb1ng, Lu\u1eadt h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau n\u00e2ng cao n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh, minh b\u1ea1ch h\u00f3a ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng thao t\u00fang, chi ph\u1ed1i ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u1edbn t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

C\u1ee5 th\u1ec3, Lu\u1eadt \u0111\u00e3 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n theo h\u01b0\u1edbng gi\u1ea3m gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c v\u00e0 c\u1ee7a nh\u00f3m c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan, c\u00f3 l\u1ed9 tr\u00ecnh gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng. Ngo\u00e0i ra, Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung quy \u0111\u1ecbnh v\u1ec1 kh\u00e1i ni\u1ec7m ng\u01b0\u1eddi c\u00f3 li\u00ean quan; b\u1ed5 sung tr\u00e1ch nhi\u1ec7m c\u00f4ng b\u1ed1, c\u00f4ng khai th\u00f4ng tin c\u1ee7a c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tr\u1edf l\u00ean, ng\u01b0\u1eddi qu\u1ea3n l\u00fd, ng\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; b\u1ed5 sung, b\u1ea3o \u0111\u1ea3m quy\u1ec1n c\u1ee7a c\u1ed5 \u0111\u00f4ng thi\u1ec3u s\u1ed1.<\/p>\n

Lu\u1eadt c\u0169ng s\u1eeda \u0111\u1ed5i, b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ti\u00eau chu\u1ea9n, \u0111i\u1ec1u ki\u1ec7n ng\u01b0\u1eddi qu\u1ea3n l\u00fd, \u0111i\u1ec1u h\u00e0nh, n\u00e2ng cao t\u00ednh \u0111\u1ed9c l\u1eadp, chuy\u00ean tr\u00e1ch c\u1ee7a th\u00e0nh vi\u00ean h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb \u0111\u1ed9c l\u1eadp; th\u00e0nh vi\u00ean ban ki\u1ec3m so\u00e1t; t\u0103ng s\u1ed1 l\u01b0\u1ee3ng t\u1ed1i thi\u1ec3u th\u00e0nh vi\u00ean ban ki\u1ec3m so\u00e1t c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, t\u0103ng c\u01b0\u1eddng tr\u00e1ch nhi\u1ec7m c\u1ee7a ban ki\u1ec3m so\u00e1t c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; gia t\u0103ng c\u00e1c gi\u1edbi h\u1ea1n, y\u00eau c\u1ea7u h\u00e0nh ch\u00ednh v\u1ec1 nghi\u1ec7p v\u1ee5 \u0111\u1ed1i v\u1edbi gi\u1edbi ng\u00e2n h\u00e0ng. Ch\u1eb3ng h\u1ea1n, gi\u1edbi h\u1ea1n cho vay v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng xu\u1ed1ng c\u00f2n 10% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a kh\u00e1ch h\u00e0ng, so v\u1edbi t\u1ef7 l\u1ec7 15% tr\u01b0\u1edbc \u0111\u00e2y; gi\u1edbi h\u1ea1n cho vay nh\u00f3m kh\u00e1ch h\u00e0ng t\u1eeb 25% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng xu\u1ed1ng c\u00f2n 15%.<\/p>\n

\u201cC\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n nh\u1ea5t \u0111\u1ecbnh trong tri\u1ec3n khai kinh doanh th\u1eddi gian t\u1edbi\u201d, \u00f4ng H\u1ea3i nh\u1eadn \u0111\u1ecbnh v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eeda \u0111\u1ed5i t\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng \u0111i\u1ec1u ch\u1ec9nh tr\u1ef1c ti\u1ebfp.<\/p>\n

Chia s\u1ebb v\u1edbi \u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n, 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>\u00a0cho bi\u1ebft: \u201cLu\u1eadt c\u0169ng b\u1ed5 sung quy \u0111\u1ecbnh \u0111\u1ec3 h\u1ee3p nh\u1ea5t Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed3ng th\u1eddi l\u00e0 Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd doanh nghi\u1ec7p, ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng chung c\u1ee7a \u0110\u1ea3ng, Nh\u00e0 n\u01b0\u1edbc trong vi\u1ec7c c\u1eaft gi\u1ea3m th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n trong ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t – kinh doanh\u201d.<\/em><\/p>\n

C\u00e1c quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia \u0111\u00e1nh gi\u00e1 l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i ch\u1eb7t ch\u1ebd nh\u01b0ng c\u1ea7n thi\u1ebft, gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng x\u00e2y d\u1ef1ng m\u00f4 h\u00ecnh t\u1ed5 ch\u1ee9c ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 v\u00e0 th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng. B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh v\u1ec1 an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng nh\u1eb1m ng\u0103n ng\u1eeba vi\u1ec7c l\u1ea1m d\u1ee5ng quy\u1ec1n qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh, quy\u1ec1n c\u1ed5 \u0111\u00f4ng l\u1edbn \u0111\u1ec3 thao t\u00fang ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, gi\u00fap t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng l\u00e0nh m\u1ea1nh, an to\u00e0n, t\u1ea1o t\u00e2m l\u00fd tin t\u01b0\u1edfng cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. \u0110\u1ec3 h\u1ea1n ch\u1ebf t\u00e1c \u0111\u1ed9ng l\u1edbn t\u1edbi th\u1ecb tr\u01b0\u1eddng khi Lu\u1eadt \u0111\u01b0\u1ee3c ban h\u00e0nh, Lu\u1eadt c\u00f3 quy \u0111\u1ecbnh \u0111i\u1ec1u kho\u1ea3n chuy\u1ec3n ti\u1ebfp \u0111\u1ed1i v\u1edbi nh\u1eefng quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung t\u1ea1i Lu\u1eadt.<\/p>\n

\u0110\u01b0a qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng ti\u1ec7m c\u1eadn chu\u1ea9n qu\u1ed1c t\u1ebf<\/strong><\/h5>\n

Li\u00ean quan \u0111\u1ebfn quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) b\u1ed5 sung m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng m\u1edbi ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng nh\u01b0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n qu\u1ef9, ho\u1ea1t \u0111\u1ed9ng giao \u0111\u1ea1i l\u00fd trong l\u0129nh v\u1ef1c thanh to\u00e1n…; s\u1eeda \u0111\u1ed5i, b\u1ed5 sung quy \u0111\u1ecbnh v\u1ec1 m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u00f5 r\u00e0ng, ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 th\u01b0 t\u00edn d\u1ee5ng, bao thanh to\u00e1n, \u0111\u1ea1i l\u00fd qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n… B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u1ec3 n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung quy \u0111\u1ecbnh v\u1ec1 c\u1ea5p t\u00edn d\u1ee5ng, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c cho c\u00e1c kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng nh\u1ecf l\u1ebb\u2026<\/p>\n

\u201cC\u00e1c quy \u0111\u1ecbnh s\u1eeda \u0111\u1ed5i, b\u1ed5 sung t\u1ea1i Lu\u1eadt \u0111\u1ea3m b\u1ea3o c\u01a1 s\u1edf ph\u00e1p l\u00fd r\u00f5 r\u00e0ng, minh b\u1ea1ch cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, x\u1eed l\u00fd c\u00e1c kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1eddi gian qua, \u0111\u1ed3ng th\u1eddi t\u1ea1o c\u01a1 s\u1edf \u0111\u1ec3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed5i m\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee7a th\u1ef1c ti\u1ec5n v\u00e0 n\u00e2ng cao n\u0103ng l\u1ef1c c\u1ea1nh tranh\u201d, lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

\u0110\u1ed1i v\u1edbi vi\u1ec7c x\u1eed l\u00fd t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 v\u1ea5n \u0111\u1ec1, tr\u00ean c\u01a1 s\u1edf tham kh\u1ea3o kinh nghi\u1ec7m qu\u1ed1c t\u1ebf, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng b\u1ed5 sung quy \u0111\u1ecbnh y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i x\u00e2y d\u1ef1ng ph\u01b0\u01a1ng \u00e1n kh\u1eafc ph\u1ee5c d\u1ef1 ki\u1ebfn trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ecb can thi\u1ec7p s\u1edbm. Quy \u0111\u1ecbnh n\u00e0y nh\u1eb1m y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 s\u1eb5n c\u00e1c k\u1ecbch b\u1ea3n cho tr\u01b0\u1eddng h\u1ee3p b\u1ecb can thi\u1ec7p s\u1edbm. Theo \u0111\u00f3, khi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh th\u00ec tri\u1ec3n khai ngay c\u00e1c gi\u1ea3i ph\u00e1p c\u1ea7n thi\u1ebft, \u0111\u1ea3m b\u1ea3o t\u00ednh k\u1ecbp th\u1eddi.<\/p>\n

Lu\u1eadt c\u0169ng thay \u0111\u1ed5i v\u1ec1 c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u1ed1i v\u1edbi can thi\u1ec7p s\u1edbm t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Theo \u0111\u00f3, can thi\u1ec7p s\u1edbm kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t tr\u1ea1ng th\u00e1i x\u1eed l\u00fd c\u1ee5 th\u1ec3, m\u00e0 tr\u00ean tinh th\u1ea7n t\u1eeb xa, t\u1eeb s\u1edbm. Khi ph\u00e1t hi\u1ec7n c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p can thi\u1ec7p s\u1edbm, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 v\u0103n b\u1ea3n g\u1eedi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c y\u00eau c\u1ea7u, h\u1ea1n ch\u1ebf, x\u00e2y d\u1ef1ng, c\u1eadp nh\u1eadt ph\u01b0\u01a1ng \u00e1n \u0111\u1ec3 kh\u1eafc ph\u1ee5c c\u00e1c v\u1ea5n \u0111\u1ec1 trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00f3 quay tr\u1edf l\u1ea1i ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng. Lu\u1eadt c\u0169ng b\u1ed5 sung c\u00e1c tr\u01b0\u1eddng h\u1ee3p can thi\u1ec7p s\u1edbm so v\u1edbi quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh nh\u01b0 tr\u01b0\u1eddng h\u1ee3p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 l\u1ed7 l\u0169y k\u1ebf l\u1edbn h\u01a1n 15% v\u1ed1n \u0111i\u1ec1u l\u1ec7, v\u1ed1n \u0111\u01b0\u1ee3c c\u1ea5p v\u00e0 c\u00e1c qu\u1ef9 d\u1ef1 tr\u1eef\u2026<\/p>\n

Trong qu\u00e1 tr\u00ecnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n kh\u1eafc ph\u1ee5c, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 xem x\u00e9t \u0111i\u1ec1u ch\u1ec9nh theo h\u01b0\u1edbng \u00e1p d\u1ee5ng b\u1ed5 sung th\u00eam, k\u00e9o d\u00e0i ho\u1eb7c r\u00fat ng\u1eafn th\u1eddi gian \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p, h\u1ea1n ch\u1ebf \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n kh\u1eafc ph\u1ee5c c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tr\u01b0\u1eddng h\u1ee3p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n th\u00e0nh c\u00f4ng ph\u01b0\u01a1ng \u00e1n kh\u1eafc ph\u1ee5c v\u00e0 tr\u1edf l\u1ea1i ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng th\u00ec vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p h\u1ea1n ch\u1ebf, y\u00eau c\u1ea7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng ch\u1ea5m d\u1ee9t.<\/p>\n

B\u00e0 Tr\u1ea7n Th\u1ecb Kh\u00e1nh Hi\u1ec1n, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Nghi\u00ean c\u1ee9u, C\u00f4ng ty Ch\u1ee9ng kho\u00e1n MB (MBS) nh\u1eadn x\u00e9t: \u201cNh\u1eefng quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft tr\u00ean s\u00e0n ch\u1ee9ng kho\u00e1n, tuy nhi\u00ean s\u1ebd gi\u00fap c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0 c\u00f4ng ch\u00fang s\u1edbm nh\u1eadn ra c\u00e1c r\u1ee7i ro l\u1edbn th\u00f4ng qua b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 c\u1ee7a c\u00e1c TCTD\u201d.<\/p>\n

Tr\u00ean c\u01a1 s\u1edf t\u1ed5ng k\u1ebft qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n Ngh\u1ecb quy\u1ebft 42\/2017\/QH14, Lu\u1eadt C\u00e1c TCTD s\u1eeda \u0111\u1ed5i \u0111\u00e3 \u201clu\u1eadt h\u00f3a\u201d m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 n\u1ee3 x\u1ea5u, x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n n\u1ee3 x\u1ea5u c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 b\u00e1n n\u1ee3 x\u1ea5u v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n n\u1ee3 x\u1ea5u; mua, b\u00e1n n\u1ee3 x\u1ea5u c\u1ee7a t\u1ed5 ch\u1ee9c mua b\u00e1n, x\u1eed l\u00fd n\u1ee3; mua, b\u00e1n kho\u1ea3n n\u1ee3 x\u1ea5u c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai; th\u1ee9 t\u1ef1 \u01b0u ti\u00ean thanh to\u00e1n khi x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u1ee7a kho\u1ea3n n\u1ee3 x\u1ea5u\u2026<\/p>\n

Theo b\u00e0 Hi\u1ec1n, vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy\u1ec1n chuy\u1ec3n nh\u01b0\u1ee3ng m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o l\u00e0 d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 thu h\u1ed3i n\u1ee3 s\u1ebd gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u00eam ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd c\u00e1c d\u1ef1 \u00e1n l\u1edbn v\u1edbi m\u1ed9t ph\u1ea7n nh\u1ecf trong \u0111\u00f3 b\u1ecb v\u01b0\u1edbng ph\u00e1p l\u00fd, t\u1eeb \u0111\u00f3 gi\u00fap d\u00f2ng ti\u1ec1n c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c kh\u01a1i th\u00f4ng v\u00e0 gi\u1ea3m n\u1ee3 x\u1ea5u cho c\u00e1c ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00f3m ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft c\u00f3 t\u1ef7 l\u1ec7 cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n cao nh\u01b0 Techcombank, MB, VPBank, SHB, HDBank\u2026<\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c chia s\u1ebb k\u1ef3 v\u1ecdng, v\u1edbi quy \u0111\u1ecbnh m\u1edbi n\u00e0y, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd chuy\u00ean nghi\u1ec7p h\u01a1n, c\u00f9ng v\u1edbi \u0111\u00f3 th\u00fac \u0111\u1ea9y c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean quan c\u00f3 nh\u1eefng \u0111\u1ed9ng th\u00e1i m\u1ea1nh m\u1ebd h\u01a1n trong vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1ec3 h\u1ed7 tr\u1ee3 th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf.<\/em><\/p>\n

Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng b\u1ed5 sung quy \u0111\u1ecbnh c\u1ea5m t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u01b0\u1eddi qu\u1ea3n l\u00fd, ng\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh, nh\u00e2n vi\u00ean c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng g\u1eafn vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c v\u1edbi vi\u1ec7c cung \u1ee9ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c.<\/em><\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>, \u201c\u0111i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m b\u1edbt s\u1ef1 b\u1ee9c x\u00fac, r\u1ee7i ro cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng, h\u1ea1n ch\u1ebf x\u1ea3y ra nh\u1eefng vi\u1ec7c kh\u00f4ng \u0111\u00e1ng ch\u00ednh \u0111\u00e1ng, b\u1edfi khi \u0111\u00e3 c\u1ea5m th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m v\u00e0 ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n\u201d.<\/em><\/p>\n

Tuy nhi\u00ean, b\u00e0 Tr\u1ea7n Th\u1ecb Kh\u00e1nh Hi\u1ec1n nh\u1eadn \u0111\u1ecbnh, \u0111i\u1ec1u n\u00e0y s\u1ebd khi\u1ebfn t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp t\u1eeb m\u1ea3ng bancassurance c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng ch\u1eadm l\u1ea1i so v\u1edbi giai \u0111o\u1ea1n 2019 \u2013 2021, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi nh\u00f3m ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 tr\u1ecdng thu nh\u1eadp bancassurance trong t\u1ed5ng thu nh\u1eadp ngo\u00e0i l\u00e3i cao nh\u01b0 VIB, ACB…<\/p>\n

H\u1ed3ng<\/strong> Dung<\/strong><\/p>\n

————-<\/em><\/p>\n

\u0110\u1ea7u<\/em><\/strong> t\u01b0 ch\u1ee9ng kho\u00e1n (T\u00e0i ch\u00ednh) 24-01-2024:<\/em><\/strong><\/p>\n

https:\/\/www.tinnhanhchungkhoan.vn\/nang-chuan-quan-tri-dieu-hanh-cua-ngan-hang-post338183.html<\/a> <\/em><\/p>\n

(312\/1.737)<\/em>","protected":false},"excerpt":{"rendered":"

N\u00e2ng chu\u1ea9n qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh c\u1ee7a ng\u00e2n h\u00e0ng (\u0110TCK)\u00a0– Theo gi\u1edbi chuy\u00ean gia,\u00a0Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i)\u00a0khi c\u00f3 hi\u1ec7u l\u1ef1c (t\u1eeb \u0111\u1ea7u n\u0103m 2025) s\u1ebd th\u00fac \u0111\u1ea9y ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n tr\u1ecb v\u00e0 \u0111i\u1ec1u h\u00e0nh h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng minh b\u1ea1ch h\u01a1n, hi\u1ec7u qu\u1ea3 h\u01a1n, ti\u1ec7m c\u1eadn h\u01a1n v\u1edbi c\u00e1c chu\u1ea9n m\u1ef1c […]<\/p>\n","protected":false},"author":2,"featured_media":38863,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[42],"class_list":["post-38862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-dat-dai"],"acf":[],"yoast_head":"\n3.651. 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