{"id":39882,"date":"2024-06-21T06:59:18","date_gmt":"2024-06-20T23:59:18","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39882"},"modified":"2024-10-01T14:27:21","modified_gmt":"2024-10-01T07:27:21","slug":"3-765-can-them-cong-cu-giam-so-huu-cheo-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-765-can-them-cong-cu-giam-so-huu-cheo-ngan-hang\/","title":{"rendered":"3.765. C\u1ea7n th\u00eam \u2018c\u00f4ng c\u1ee5\u2019 gi\u1ea3m s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng"},"content":{"rendered":"

C\u1ea7n th\u00eam \u2018c\u00f4ng c\u1ee5\u2019 gi\u1ea3m s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(KTSG) \u2013 Vi\u1ec7c k\u1ebft n\u1ed1i d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0, \u0111\u0103ng k\u00fd kinh doanh, c\u00f9ng s\u1ef1 ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, c\u01a1 quan thanh tra, \u0111i\u1ec1u tra, ki\u1ec3m to\u00e1n \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd g\u00f3p ph\u1ea7n gi\u1ea3m r\u1ee7i ro t\u1eeb s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng trong b\u1ed1i c\u1ea3nh kh\u00f3 c\u00f3 quy \u0111\u1ecbnh n\u00e0o c\u00f3 th\u1ec3 x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 v\u1ea5n \u0111\u1ec1.<\/em><\/strong><\/h5>\n
Ch\u01b0a c\u00f3 \u2018li\u1ec1u thu\u1ed1c\u2019 h\u1eefu hi\u1ec7u cho s\u1edf h\u1eefu ch\u00e9o v\u00e0 s\u1edf h\u1eefu \u1ea9n<\/strong><\/h5>\n

S\u1edf h\u1eefu ch\u00e9o l\u00e0 m\u1ed9t m\u1ee5c ti\u00eau t\u00e0ng h\u00ecnh, v\u00ec c\u00e1c \u00f4ng\/b\u00e0 ch\u1ee7 d\u00f9 ch\u1ec9 n\u1eafm v\u00e0i ph\u1ea7n tr\u0103m c\u1ed5 ph\u1ea7n, v\u1eabn c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng chi ph\u1ed1i ho\u1ea1t \u0111\u1ed9ng t\u1ea1i ng\u00e2n h\u00e0ng.<\/p>\n

\"c\u00f4ng<\/p>\n

C\u00e1c th\u00f4ng tin v\u1ec1 SCB \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 v\u00e0 minh b\u1ea1ch t\u1eeb c\u01a1 quan gi\u00e1m s\u00e1t \u0111\u1ebfn c\u00e1c c\u00f4ng ty ki\u1ec3m to\u00e1n \u0111\u1ed9c l\u1eadp. \u1ea2nh: L\u00ca V\u0168<\/p>\n

\u0110\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) s\u1eeda \u0111\u1ed5i, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1-7-2024, \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n \u0111\u00e3 t\u1eeb m\u1ee9c 5% xu\u1ed1ng m\u1ee9c 3%.<\/p>\n

C\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c s\u1edf h\u1eefu v\u01b0\u1ee3t qu\u00e1 10% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng, trong khi tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 15%, tr\u1eeb ng\u00e2n h\u00e0ng b\u1ecb ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t ho\u1eb7c s\u1edf h\u1eefu c\u1ee7a Nh\u00e0 n\u01b0\u1edbc t\u1ea1i ng\u00e2n h\u00e0ng. C\u00f2n nh\u00f3m c\u1ed5 \u0111\u00f4ng v\u00e0 \u201cng\u01b0\u1eddi li\u00ean quan\u201d ch\u1ec9 \u0111\u01b0\u1ee3c s\u1edf h\u1eefu t\u1ed1i \u0111a l\u00e0 15%, trong khi \u0111\u01b0\u1edbc \u0111\u00e2y l\u00e0 20%.<\/p>\n

V\u1edbi quy \u0111\u1ecbnh m\u1edbi, 17 c\u1ed5 \u0111\u00f4ng l\u00e0 t\u1ed5 ch\u1ee9c t\u1ea1i 13 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n, m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 m\u1ee9c s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n v\u01b0\u1ee3t t\u1ec9 l\u1ec7 quy \u0111\u1ecbnh t\u1ea1i ng\u00e2n h\u00e0ng (10% theo quy \u0111\u1ecbnh m\u1edbi \u2013 PV) \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c duy tr\u00ec, nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c t\u0103ng th\u00eam c\u1ed5 ph\u1ea7n \u0111\u1ebfn khi tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 t\u1ec9 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n theo quy \u0111\u1ecbnh t\u1ea1i lu\u1eadt, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p nh\u1eadn c\u1ed5 t\u1ee9c b\u1eb1ng c\u1ed5 phi\u1ebfu.<\/p>\n

TS Phan V\u0103n Th\u01b0\u1eddng, gi\u1ea3ng vi\u00ean Tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc qu\u1ed1c t\u1ebf H\u1ed3ng B\u00e0ng cho r\u1eb1ng, quy \u0111\u1ecbnh s\u1eeda \u0111\u1ed5i tr\u00ean ch\u1ec9 c\u00f3 t\u00e1c d\u1ee5ng h\u1ea1n ch\u1ebf, l\u00e0m ch\u1eadm qu\u00e1 tr\u00ecnh c\u00e1c c\u1ed5 \u0111\u00f4ng c\u1ea5u k\u1ebft, \u0111\u1ec3 \u0111\u1ee7 s\u1ee9c chi ph\u1ed1i ng\u00e2n h\u00e0ng n\u00e0o \u0111\u00f3, ch\u1ee9 ch\u01b0a ng\u0103n ch\u1eb7n \u0111\u01b0\u1ee3c s\u1edf h\u1eefu \u1ea9n, gi\u1ea5u m\u1eb7t.<\/p>\n

Theo chuy\u00ean gia n\u00e0y, trong m\u00f4 h\u00ecnh s\u1edf h\u1eefu \u1ea9n, m\u1ee5c \u0111\u00edch trong c\u1ea5u k\u1ebft c\u1ee7a nh\u00f3m c\u1ed5 \u0111\u00f4ng l\u00e0 tu\u00e2n theo c\u00e1c ch\u1ec9 \u0111\u1ea1o c\u1ee7a \u00f4ng\/b\u00e0 ch\u1ee7 ng\u00e2n h\u00e0ng gi\u1ea5u m\u1eb7t. B\u1ea3n th\u00e2n ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thu\u00ea \u0111\u1ee9ng t\u00ean c\u1ed5 \u0111\u00f4ng c\u0169ng c\u00f3 t\u00e2m l\u00fd h\u00e1m l\u1ee3i, n\u00ean s\u1eb5n s\u00e0ng nh\u1eadn m\u1ec7nh l\u1ec7nh t\u1eeb ng\u01b0\u1eddi thu\u00ea.<\/p>\n

V\u1edbi s\u1ee9c m\u1ea1nh chi ph\u1ed1i ng\u00e2n h\u00e0ng g\u1ea7n nh\u01b0 tuy\u1ec7t \u0111\u1ed1i, \u00f4ng\/b\u00e0 ch\u1ee7 ng\u00e2n h\u00e0ng gi\u1ea5u m\u1eb7t s\u1ebd kh\u1ed1ng ch\u1ebf, thao t\u00fang to\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f3. Ch\u1eb3ng h\u1ea1n, trong v\u1ee5 \u00e1n x\u1ea3y t\u1ea1i SCB v\u00e0 V\u1ea1n Th\u1ecbnh Ph\u00e1t, nh\u1edd s\u1edf h\u1eefu \u1ea9n, gi\u1ea5u m\u1eb7t th\u00f4ng qua 27 ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n \u0111\u1ee9ng t\u00ean h\u1ed9 n\u00ean b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan c\u00f3 th\u1ec3 chi ph\u1ed1i SCB v\u1edbi t\u1ef7 l\u1ec7 g\u1ea7n nh\u01b0 tuy\u1ec7t \u0111\u1ed1i l\u00e0 91,5%.<\/p>\n

\u0110\u00e1ng l\u01b0u \u00fd, b\u00e0 Lan v\u1ec1 ch\u00ednh danh l\u00e0 c\u1ed5 \u0111\u00f4ng ch\u1ec9 n\u1eafm gi\u1eef x\u1ea5p x\u1ec9 5% v\u1ed1n, nh\u01b0ng c\u00f3 quy\u1ec1n thao t\u00fang to\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng c\u1ee7aSCB trong 10 n\u0103m, tr\u01b0\u1edbc khi b\u1ecb ph\u00e1t gi\u00e1c.<\/p>\n

\u201cT\u1eeb H\u0110QT, ban T\u1ed5ng gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh, ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 \u0111\u1ec1u th\u1ef1c thi ch\u1ee9c tr\u00e1ch v\u00ec m\u1ee5c \u0111\u00edch ph\u1ee5c v\u1ee5 \u00f4ng\/b\u00e0 ch\u1ee7 ng\u00e2n h\u00e0ng, d\u00f9 c\u1ea5u tr\u00fac t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng b\u1ec1 ngo\u00e0i kh\u00f4ng c\u00f3 g\u00ec kh\u00e1c v\u1edbi m\u1ed9t ng\u00e2n h\u00e0ng b\u00ecnh th\u01b0\u1eddng\u201d, \u00f4ng Th\u01b0\u1eddng cho bi\u1ebft.<\/p>\n

C\u0169ng theo v\u1ecb n\u00e0y, quy \u0111\u1ecbnh c\u00f4ng khai th\u00f4ng tin c\u1ed5 \u0111\u00f4ng n\u1eafm gi\u1eef t\u1eeb 1% c\u1ed5 ph\u1ea7n tr\u1edf l\u00ean t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 TCTD s\u1eeda \u0111\u1ed5i kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ng\u0103n ch\u1eb7n c\u1ed5 \u0111\u00f4ng \u0111\u1ee9ng t\u00ean h\u1ed9 \u00f4ng\/b\u00e0 ch\u1ee7 ng\u00e2n h\u00e0ng trong s\u1edf h\u1eefu \u1ea9n.<\/p>\n

Ngo\u00e0i ra, y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng ph\u1ea3i ni\u00eam y\u1ebft, l\u01b0u gi\u1eef th\u00f4ng tin c\u1ed5 \u0111\u00f4ng n\u1eafm gi\u1eef t\u1eeb 1% v\u1ed1n tr\u1edf l\u00ean t\u1ea1i tr\u1ee5 s\u1edf ch\u00ednh s\u1ebd l\u00e0m gi\u1ea3m vai tr\u00f2 gi\u00e1m s\u00e1t c\u1ee7a c\u00f4ng ch\u00fang trong ph\u00e1t hi\u1ec7n c\u1ed5 \u0111\u00f4ng \u0111\u1ee9ng t\u00ean h\u1ed9 s\u1edf h\u1eefu \u1ea9n ng\u00e2n h\u00e0ng, do m\u1ed7i ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh kh\u1eafp c\u1ea3 n\u01b0\u1edbc, nh\u01b0ng ch\u1ec9 c\u00f3 m\u1ed9t tr\u1ee5 s\u1edf ch\u00ednh.<\/p>\n

\u201cN\u1ebfu ng\u00e2n h\u00e0ng n\u00e0o \u0111\u00f3 c\u00f4ng khai th\u00f4ng tin v\u1ec1 c\u1ed5 \u0111\u00f4ng ra c\u00f4ng ch\u00fang \u0111\u1ec3 c\u00f4ng ch\u00fang soi chi\u1ebfu th\u00ec may ra m\u1edbi ph\u00e1t gi\u00e1c \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 c\u1ed5 \u0111\u00f4ng nh\u1ea5t \u0111\u1ecbnh \u0111ang \u0111\u1ee9ng t\u00ean h\u1ed9\u201d, \u00f4ng Tr\u01b0\u1eddng nh\u1ea5n m\u1ea1nh.<\/p>\n

Trao th\u00eam quy\u1ec1n \u0111i\u1ec1u tra cho c\u01a1 quan thanh tra \u2013 gi\u00e1m s\u00e1t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p gi\u00fap h\u1ea1n ch\u1ebf r\u1ee7i ro t\u1eeb s\u1edf h\u1eefu ch\u00e9o. \u1ea2nh: N.K<\/h6>\n

Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/a> <\/span>Gi\u00e1m \u0111\u1ed1c <\/span>C\u00f4ng ty Lu\u1eadt<\/a> <\/span>ANVI<\/a><\/span><\/strong> c\u0169ng cho r\u1eb1ng c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt c\u00e1c TCTD s\u1eeda \u0111\u1ed5i m\u1edbi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c 50% y\u00eau c\u1ea7u, c\u00f2n l\u1ea1i ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 li\u00ean quan, \u0111\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c th\u1ef1c thi lu\u1eadt c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng.<\/em><\/p>\n

Theo \u0111\u00f3, nh\u1eefng \u201ckhe h\u1edf\u201d h\u1eefu h\u00ecnh \u0111\u00e3 \u0111\u01b0\u1ee3c l\u1ea5p \u0111\u1ea7y b\u1eb1ng nh\u1eefng quy \u0111\u1ecbnh gi\u1ea3m m\u1ea1nh t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c, c\u00f4ng khai th\u00f4ng tin c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 1% c\u1ed5 ph\u1ea7n tr\u1edf l\u00ean, m\u1edf r\u1ed9ng \u0111\u1ed1i t\u01b0\u1ee3ng l\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan c\u00f9ng v\u1edbi c\u00e1c y\u00eau c\u1ea7u n\u00e2ng cao v\u1ec1 qu\u1ea3n tr\u1ecb, ki\u1ec3m so\u00e1t, \u0111i\u1ec1u h\u00e0nh v\u00e0 thanh, ki\u1ec3m tra. Tuy nhi\u00ean, nh\u1eefng \u2018khe h\u1edf\u2019 v\u00f4 h\u00ecnh l\u1ea1i ph\u1ee5 thu\u1ed9c nhi\u1ec1u v\u00e0o th\u00e1i \u0111\u1ed9, quan \u0111i\u1ec3m c\u1ee7a c\u00e1c nh\u00f3m c\u1ed5 \u0111\u00f4ng l\u1edbn, nh\u1ea5t l\u00e0 nh\u1eefng ng\u01b0\u1eddi ch\u1ee7 th\u1ef1c s\u1ef1 c\u1ee7a ng\u00e2n h\u00e0ng.<\/em><\/p>\n

\u201cN\u1ebfu ng\u0103n ch\u1eb7n, gi\u00e1m s\u00e1t v\u00e0 x\u1eed l\u00fd \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh th\u00ec kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng lo ng\u1ea1i v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt hi\u1ec7n h\u00e0nh. Nh\u01b0ng n\u1ebfu v\u1eabn c\u1ee9 \u0111\u1ec3 di\u1ec5n ra th\u1ef1c tr\u1ea1ng ph\u00e1p lu\u1eadt m\u1ed9t \u0111\u1eb1ng, th\u1ef1c t\u1ebf m\u1ed9t n\u1ebbo th\u00ec kh\u00f4ng nh\u1eefng ch\u1eb3ng tri\u1ec7t \u0111\u1ec3, m\u00e0 c\u00f2n nguy c\u01a1 h\u01a1n v\u00ec \u0111\u1ed9 v\u00eanh c\u00e0ng l\u1edbn trong khi th\u1ef1c t\u1ebf ng\u00e0y c\u00e0ng ph\u1ee9c t\u1ea1p\u201d, \u00f4ng \u0110\u1ee9c l\u01b0u \u00fd.<\/em><\/p>\n

C\u1ea7n th\u00eam \u2018c\u00f4ng c\u1ee5\u2019 ng\u0103n tu\u1ed3n v\u1ed1n v\u00e0o s\u00e2n sau<\/strong><\/h5>\n

Ch\u1ed1ng s\u1edf h\u1eefu ch\u00e9o, nh\u1ea5t l\u00e0 s\u1edf h\u1eefu gi\u00e1n ti\u1ebfp l\u00e0 b\u00e0i to\u00e1n kh\u00f3 v\u1edbi c\u01a1 quan qu\u1ea3n l\u00fd do m\u1ed1i quan h\u1ec7 gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty li\u00ean quan \u0111\u1ebfn c\u1ed5 \u0111\u00f4ng, c\u00e1 nh\u00e2n li\u00ean quan th\u01b0\u1eddng r\u1ea5t ph\u1ee9c t\u1ea1p. Trong \u0111\u00f3, c\u00f3 th\u1ec3 th\u00f4ng qua nhi\u1ec1u k\u00eanh nh\u01b0 cho vay tr\u1ef1c ti\u1ebfp t\u1eeb ng\u00e2n h\u00e0ng, \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p, ph\u00e2n ph\u1ed1i tr\u00e1i phi\u1ebfu cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n c\u1ee7a ng\u00e2n h\u00e0ng, ho\u1eb7c th\u00f4ng qua c\u00f4ng ty con c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0 c\u00f4ng ty ch\u1ee9ng kho\u00e1n.<\/p>\n

Th\u1ef1c t\u1ebf, vi\u1ec7c t\u0103ng c\u01b0\u1eddng s\u1eed d\u1ee5ng n\u1ee3 vay qua c\u00e1c ph\u01b0\u01a1ng th\u1ee9c tr\u00ean nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, k\u1ebft h\u1ee3p v\u1edbi \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng n\u1edbi l\u1ecfng, t\u1ea1o ra nh\u1eefng r\u1ee7i ro t\u00edn d\u1ee5ng nh\u01b0 giai \u0111o\u1ea1n qua.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/span><\/em>\u00a0cho r\u1eb1ng v\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t trong s\u1edf h\u1eefu ng\u00e2n h\u00e0ng hi\u1ec7n nay l\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 \u2018n\u00fap b\u00f3ng\u2019. \u0110\u00e2y c\u0169ng l\u00e0 y\u1ebfu t\u1ed1 khi\u1ebfn s\u1edf h\u1eefu ch\u00e9o v\u00e0 s\u1edf h\u1eefu \u1ea9n kh\u00f3 nh\u1eadn di\u1ec7n.<\/em><\/p>\n

Do \u0111\u00f3, c\u1ea7n t\u0103ng c\u01b0\u1eddng vai tr\u00f2 c\u1ee7a l\u1ef1c l\u01b0\u1ee3ng thanh tra \u2013 gi\u00e1m s\u00e1t NHNN. C\u1ee5 th\u1ec3, n\u00ean cho ph\u00e9p c\u01a1 quan thanh tra \u2013 gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy\u1ec1n \u0111i\u1ec1u tra. B\u1edfi n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c t\u0103ng quy\u1ec1n, c\u01a1 quan thanh tra ng\u00e2n h\u00e0ng r\u1ea5t kh\u00f3 ph\u00e1t hi\u1ec7n \u0111\u01b0\u1ee3c s\u1edf h\u1eefu ch\u00e9o.<\/em><\/p>\n

\u201cHi\u1ec7n nay, do kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p, l\u1ef1c l\u01b0\u1ee3ng thanh tra \u2013 gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 y\u00eau c\u1ea7u c\u00e1c c\u00e1 nh\u00e2n kh\u00f4ng li\u00ean quan \u0111\u1ebfn t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cung c\u1ea5p th\u00f4ng tin, n\u00ean r\u1ea5t kh\u00f3 n\u1eafm b\u1eaft t\u00ecnh h\u00ecnh\u201d, \u00f4ng \u0110\u1ee9c gi\u1ea3i th\u00edch.<\/em><\/p>\n

TS Phan V\u0103n Th\u01b0\u1eddng cho r\u1eb1ng gi\u1ea3i ph\u00e1p h\u1eefu hi\u1ec7u \u0111\u1ec3 gi\u1ea3m s\u1edf h\u1eefu \u1ea9n ng\u00e2n h\u00e0ng l\u00e0 gi\u00e1m s\u00e1t ch\u1eb7t \u0111\u01b0\u1eddng \u0111i d\u00f2ng ti\u1ec1n mua c\u1ed5 ph\u1ea7n c\u1ee7a c\u1ed5 \u0111\u00f4ng. Tr\u00ean c\u01a1 s\u1edf \u0111\u01b0\u1eddng \u0111i c\u1ee7a d\u00f2ng ti\u1ec1n, x\u00e1c \u0111\u1ecbnh \u0111\u1ecba ch\u1ec9 xu\u1ea5t ph\u00e1t c\u1ee7a n\u00f3, m\u1edbi c\u00f3 th\u1ec3 \u2018ch\u1ec9 m\u1eb7t\u2019 \u0111\u01b0\u1ee3c c\u1ed5 \u0111\u00f4ng ch\u00ednh th\u1ee9c \u0111ang gi\u1ea5u m\u1eb7t.<\/em><\/p>\n

Ngo\u00e0i ra, c\u1ea7n b\u1ed5 sung quy \u0111\u1ecbnh x\u1eed ph\u1ea1t h\u00ecnh s\u1ef1 v\u1edbi m\u1ee9c r\u0103n \u0111e cao v\u1ec1 t\u1ed9i \u0111\u1ee9ng t\u00ean h\u1ed9 c\u1ed5 \u0111\u00f4ng ng\u00e2n h\u00e0ng. B\u1edfi vi\u1ec7c c\u00e1ch c\u1eaft \u0111\u1ee9t \u0111\u01b0\u1eddng \u0111i c\u1ee7a d\u00f2ng ti\u1ec1n nh\u01b0 trong v\u1ee5 \u00e1n x\u1ea3y ra t\u1ea1i SCB v\u00e0 V\u1ea1n Th\u1ecbnh Ph\u00e1t th\u00ec vi\u1ec7c l\u1ea7n ra \u0111\u1ecba ch\u1ec9 xu\u1ea5t ph\u00e1t c\u1ee7a d\u00f2ng ti\u1ec1n l\u00e0 kh\u00f3 kh\u0103n.<\/em><\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0ki\u1ebfn ngh\u1ecb c\u1ea7n nhanh ch\u00f3ng s\u1eeda \u0111\u1ed5i c\u00e1c quy \u0111\u1ecbnh li\u00ean quan, t\u1eeb quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n, y\u00eau c\u1ea7u, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c, tr\u00e1ch nhi\u1ec7m, cho \u0111\u1ebfn ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t.<\/em><\/p>\n

\u201cKhi x\u00e3 h\u1ed9i \u0111\u00e3 \u0111\u1ed3ng thu\u1eadn, \u0111i\u1ec1u lu\u1eadt \u0111\u00e3 r\u00f5 r\u00e0ng, \u0111\u00f2i h\u1ecfi s\u1ef1 tu\u00e2n th\u1ee7 r\u1ea5t cao, th\u00ec c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i quy \u0111\u1ecbnh x\u1eed l\u00fd th\u1eadt m\u1ea1nh tay. Trong \u0111\u00f3 c\u00f3 th\u1ec3 x\u1eed ph\u1ea1t th\u1eadt n\u1eb7ng c\u1ea3 v\u1ec1 h\u00e0nh ch\u00ednh l\u1eabn h\u00ecnh s\u1ef1, kh\u00f4ng lo\u1ea1i tr\u1eeb vi\u1ec7c t\u1ecbch thu s\u1ed1 c\u1ed5 ph\u1ea7n, c\u1ed5 phi\u1ebfu v\u01b0\u1ee3t qu\u00e1 gi\u1eddi h\u1ea1n, vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a lu\u1eadt\u201d, \u00f4ng \u0110\u1ee9c \u0111\u1ec1 xu\u1ea5t.<\/em><\/p>\n

C\u00f2n \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, Ph\u00f3 ch\u1ee7 t\u1ecbch, ki\u00eam T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA) \u0111\u00e1nh gi\u00e1, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 gi\u1ea3m t\u1ef7 l\u1ec7 s\u1edf h\u1eefu, gi\u1ea3m gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng, y\u00eau c\u1ea7u s\u1edf h\u1eefu t\u1eeb 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 ph\u1ea3i c\u00f4ng b\u1ed1 th\u00f4ng tin l\u00e0 c\u1ea7n thi\u1ebft, nh\u01b0ng ch\u01b0a \u0111\u1ee7. Theo \u0111\u00f3, c\u1ea7n n\u00e2ng cao vai tr\u00f2 c\u1ee7a H\u0110QT, ban ki\u1ec3m so\u00e1t, t\u0103ng s\u1ed1 l\u01b0\u1ee3ng th\u00e0nh vi\u00ean H\u0110QT \u0111\u1ed9c l\u1eadp.<\/p>\n

Nh\u1ea5n m\u1ea1nh vi\u1ec7c thanh tra, gi\u00e1m s\u00e1t l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 ph\u1ea3i v\u00e0o cu\u1ed9c khi c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng, bi\u1ec3u hi\u1ec7n b\u1ea5t th\u01b0\u1eddng, song \u00f4ng H\u00f9ng cho r\u1eb1ng, kh\u00f4ng th\u1ec3 qu\u00e1 \u0111\u1eb7t n\u1eb7ng kh\u00e2u n\u00e0y m\u00e0 c\u1ea7n ph\u00e1t huy vai tr\u00f2 ban ki\u1ec3m so\u00e1t c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

\u201cVai tr\u00f2 c\u1ee7a ban n\u00e0y r\u1ea5t quan tr\u1ecdng, ban ph\u1ea3i th\u01b0\u1eddng xuy\u00ean theo d\u00f5i, n\u1eafm b\u1eaft t\u00ecnh h\u00ecnh, b\u00e1o c\u00e1o k\u1ecbp th\u1eddi v\u1edbi h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb, th\u1eadm ch\u00ed b\u00e1o c\u00e1o NHNN v\u1ec1 c\u00e1c vi ph\u1ea1m c\u1ee7a H\u0110QT\u201d, \u00f4ng H\u00f9ng n\u00f3i t\u1ea1i m\u1ed9t to\u1ea1 \u0111\u00e0m v\u1ec1 Lu\u1eadt c\u00e1c TCTD s\u1eeda \u0111\u1ed5i.<\/p>\n

B\u00ean c\u1ea1nh nh\u1eefng gi\u1ea3i ph\u00e1p tr\u00ean, c\u00e1c chuy\u00ean gia cho r\u1eb1ng c\u1ea7n c\u00f3 l\u1ed9 tr\u00ecnh x\u1eed l\u00fd t\u1ed5ng th\u1ec3, k\u1ebft h\u1ee3p gi\u1eefa quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt c\u00e1c TCTD v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p kh\u00e1c nh\u01b0: k\u1ebft n\u1ed1i d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0, \u0111\u0103ng k\u00fd kinh doanh, s\u1ef1 ph\u1ed1i h\u1ee3p c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, thanh tra, \u0111i\u1ec1u tra, ki\u1ec3m to\u00e1n.<\/p>\n

V\u00e2n<\/strong> Phong<\/strong><\/p>\n

————-<\/em><\/p>\n

Kinh<\/em><\/strong> t\u1ebf S\u00e0i G\u00f2n (Ng\u00e2n h\u00e0ng) 21-6-2024:<\/em><\/strong><\/p>\n

https:\/\/thesaigontimes.vn\/can-them-cong-cu-giam-so-huu-cheo-ngan-hang\/<\/a> <\/em><\/p>\n

(<\/em>602\/1.802<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

C\u1ea7n th\u00eam \u2018c\u00f4ng c\u1ee5\u2019 gi\u1ea3m s\u1edf h\u1eefu ch\u00e9o ng\u00e2n h\u00e0ng (KTSG) \u2013 Vi\u1ec7c k\u1ebft n\u1ed1i d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0, \u0111\u0103ng k\u00fd kinh doanh, c\u00f9ng s\u1ef1 ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, c\u01a1 quan thanh tra, \u0111i\u1ec1u tra, ki\u1ec3m to\u00e1n \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd g\u00f3p ph\u1ea7n gi\u1ea3m r\u1ee7i ro […]<\/p>\n","protected":false},"author":2,"featured_media":39883,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-39882","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.765. 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