{"id":45272,"date":"2024-12-18T21:25:38","date_gmt":"2024-12-18T14:25:38","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=45272"},"modified":"2024-12-20T15:23:25","modified_gmt":"2024-12-20T08:23:25","slug":"3-963-sau-thap-ky-so-phan-nhung-ngan-hang-yeu-kem-di-den-hoi-ket","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-963-sau-thap-ky-so-phan-nhung-ngan-hang-yeu-kem-di-den-hoi-ket\/","title":{"rendered":"3.963. Sau th\u1eadp k\u1ef7, s\u1ed1 ph\u1eadn nh\u1eefng ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111i \u0111\u1ebfn h\u1ed3i k\u1ebft?"},"content":{"rendered":"

Sau th\u1eadp k\u1ef7, s\u1ed1 ph\u1eadn nh\u1eefng ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111i \u0111\u1ebfn h\u1ed3i k\u1ebft?<\/strong><\/span><\/h4>\n
(VNF) – Th\u1ee7 t\u01b0\u1edbng \u0111\u00e3 y\u00eau c\u1ea7u NHNN ph\u1ea3i kh\u1ea9n tr\u01b0\u01a1ng tr\u00ecnh ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n giao b\u1eaft bu\u1ed9c GPBank v\u00e0 DongA Bank tr\u01b0\u1edbc ng\u00e0y 20\/12\/2024. Nh\u01b0 v\u1eady, ch\u1ed1t n\u0103m 2024, ch\u1eb7ng \u0111\u01b0\u1eddng t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m s\u1ebd b\u01b0\u1edbc sang m\u1ed9t ch\u01b0\u01a1ng ho\u00e0n to\u00e0n m\u1edbi.<\/strong><\/h5>\n

\u201cChuy\u1ec3n \u0111\u1ed9ng\u201d trong \u0111\u1ed9i ng\u0169 c\u1ea5p cao c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng d\u1ef1 ki\u1ebfn ti\u1ebfp nh\u1eadn c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m; c\u1ed9ng v\u1edbi vi\u1ec7c Ch\u00ednh ph\u1ee7 \u0111\u01b0a ra \u201cdeadline\u201d tr\u00ecnh ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n giao b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi 2 ng\u00e2n h\u00e0ng l\u00e0 GPBank v\u00e0 DongA Bank khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi k\u1ef3 v\u1ecdng s\u1ebd c\u00f3 nh\u1eefng b\u01b0\u1edbc chuy\u1ec3n m\u1ea1nh m\u1ebd trong t\u00e1i c\u01a1 c\u1ea5u NH y\u1ebfu k\u00e9m.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, Th\u1ee7 t\u01b0\u1edbng \u0111\u00e3 y\u00eau c\u1ea7u NHNN ph\u1ea3i kh\u1ea9n tr\u01b0\u01a1ng tr\u00ecnh ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n giao b\u1eaft bu\u1ed9c GPBank v\u00e0 DongA Bank tr\u01b0\u1edbc ng\u00e0y 20\/12\/2024. NHNN c\u0169ng b\u00e0y t\u1ecf quy\u1ebft t\u00e2m s\u1ebd ho\u00e0n th\u00e0nh vi\u1ec7c chuy\u1ec3n giao 4 ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m trong n\u0103m 2024 n\u00e0y. Nh\u01b0 v\u1eady, ch\u1ed1t n\u0103m 2024, ch\u1eb7ng \u0111\u01b0\u1eddng t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m s\u1ebd b\u01b0\u1edbc sang m\u1ed9t ch\u01b0\u01a1ng ho\u00e0n to\u00e0n m\u1edbi.<\/p>\n

10 n\u0103m ‘v\u1eadt v\u00e3’ v\u1edbi ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng<\/strong><\/h5>\n

K\u1ec3 t\u1eeb khi NHNN mua l\u1ea1i ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng \u0111\u1ea7u ti\u00ean \u2013 Ng\u00e2n h\u00e0ng VNCB (nay l\u00e0 Ng\u00e2n h\u00e0ng TM TNHH MTV X\u00e2y d\u1ef1ng Vi\u1ec7t Nam \u2013 CBBank), h\u00e0nh tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111\u00e3 k\u00e9o d\u00e0i t\u1edbi g\u1ea7n 10 n\u0103m.<\/p>\n

Sau CBBank, NHNN ti\u1ebfp t\u1ee5c mua l\u1ea1i 2 ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng kh\u00e1c l\u00e0 Ng\u00e2n h\u00e0ng \u0110\u1ea1i d\u01b0\u01a1ng (OceanBank) v\u00e0 Ng\u00e2n h\u00e0ng D\u1ea7u kh\u00ed to\u00e0n c\u1ea7u (GPBank). \u0110\u1ebfn th\u00e1ng 8\/2015, c\u00f3 th\u00eam Ng\u00e2n h\u00e0ng \u0110\u00f4ng \u00c1 (DongA Bank) r\u01a1i v\u00e0o di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t.<\/p>\n

Trong giai \u0111o\u1ea1n 2016 \u2013 2020, vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m ch\u1ee7 y\u1ebfu g\u1eafn li\u1ec1n v\u1edbi Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1058\/2016\/Q\u0110-TTg, trong \u0111\u00f3 n\u00eau r\u00f5: khuy\u1ebfn kh\u00edch c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i n\u00f3i chung v\u00e0 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh n\u01b0\u1edbc ngo\u00e0i n\u00f3i ri\u00eang mua l\u1ea1i, s\u00e1p nh\u1eadp ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5\u00a0ph\u1ea7n\u00a0y\u1ebfu k\u00e9m\u00a0c\u1ee7a Vi\u1ec7t Nam.<\/p>\n

Ban \u0111\u1ea7u, v\u1edbi nh\u1eefng \u0111i\u1ec1u ki\u1ec7n h\u1ea5p d\u1eabn nh\u01b0 cho ph\u00e9p t\u1ef7 l\u1ec7 s\u1edf h\u1eefu n\u01b0\u1edbc ngo\u00e0i t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m l\u00e0 100% hay h\u1ea1n ch\u1ebf c\u1ea5p ph\u00e9p th\u00e0nh l\u1eadp ng\u00e2n h\u00e0ng 100% v\u1ed1n ngo\u1ea1i,\u2026, \u0111\u00e3 c\u00f3 kh\u00f4ng \u00edt \u0111\u1ed1i t\u00e1c ngo\u1ea1i b\u00e0y t\u1ecf s\u1ef1 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c tham gia t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng.<\/p>\n

D\u1eabu v\u1eady, v\u1eabn ch\u01b0a c\u00f3 m\u1ed9t t\u1ed5 ch\u1ee9c n\u01b0\u1edbc ngo\u00e0i n\u00e0o tham gia v\u00e0o c\u00f4ng cu\u1ed9c t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m. Nh\u1eefng k\u1ef3 v\u1ecdng v\u1ec1 m\u1ed9t th\u01b0\u01a1ng v\u1ee5 M&A \u0111\u1ec3 \u0111\u1eddi tr\u01b0\u1edbc \u0111\u00f3 c\u1ee7a CBBank v\u00e0 T\u1eadp \u0111o\u00e0n J Trust c\u1ee7a Nh\u1eadt B\u1ea3n hay OceanBank v\u1edbi \u0111\u1ed1i t\u00e1c n\u01b0\u1edbc ngo\u00e0i c\u0169ng d\u1ea7n t\u1eaft l\u1ecbm v\u00e0 kh\u00f4ng c\u00f3 ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m n\u00e0o t\u00ecm \u0111\u01b0\u1ee3c \u201cb\u1ebfn \u0111\u1ed7\u201d.<\/p>\n

Th\u1ef1c tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng, ch\u00ednh v\u00ec v\u1eady, c\u0169ng kh\u00f4ng c\u00f3 g\u00ec kh\u1edfi s\u1eafc, th\u1eadm ch\u00ed r\u01a1i v\u00e0o c\u1ea3nh l\u1ed7 ch\u1ed3ng l\u1ed7.<\/h5>\n
\"s\u1ed1

M\u1ed9t th\u1eadp k\u1ef7 t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m d\u1ea7n \u0111i \u0111\u1ebfn \u0111\u00edch.<\/p><\/div>\n

M\u1eb7c d\u00f9 kh\u00f4ng c\u1eadp nh\u1eadt b\u00e1o c\u00e1o t\u00e0i ch\u00ednh t\u1eeb khi v\u00e0o di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t nh\u01b0ng theo c\u1eadp nh\u1eadt \u0111\u1ebfn cu\u1ed1i n\u0103m 2019, l\u1ed7 l\u0169y k\u1ebf c\u1ee7a OceanBank l\u00e0 15.412 t\u1ef7 \u0111\u1ed3ng trong khi con s\u1ed1 n\u00e0y t\u1ea1i CBBank v\u00e0 GPBank l\u1ea7n l\u01b0\u1ee3t l\u00e0 31.681 t\u1ef7 \u0111\u1ed3ng v\u00e0 16.280 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Ch\u1eb7ng \u0111\u1ea7u c\u1ee7a h\u00e0nh tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m coi nh\u01b0 ‘l\u1ee1 h\u1eb9n’. B\u00e1o c\u00e1o l\u00ean \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i v\u00e0o n\u0103m 2020, NHNN cho bi\u1ebft nguy\u00ean nh\u00e2n c\u1ee7a l\u1ea7n ‘l\u1ee1 h\u1eb9n’ n\u00e0y do vi\u1ec7c tri\u1ec3n khai c\u01a1 c\u1ea5u l\u1ea1i 3 ng\u00e2n h\u00e0ng mua b\u1eaft bu\u1ed9c l\u00e0 \u201cm\u1ed9t qu\u00e1 tr\u00ecnh kh\u00f3 kh\u0103n, ph\u1ee9c t\u1ea1p, ch\u01b0a c\u00f3 ti\u1ec1n l\u1ec7, ph\u1ea3i ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd v\u00e0 l\u1ea5y \u00fd ki\u1ebfn c\u1ee7a nhi\u1ec1u b\u1ed9, ng\u00e0nh v\u00e0 c\u00e1c c\u01a1 quan li\u00ean quan v\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o k\u1ebft qu\u1ea3 \u0111\u00e0m ph\u00e1n v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0\u201d.<\/p>\n

Gi\u1eefa l\u00fac vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng v\u1eabn \u201cd\u00f9ng d\u1eb1ng\u201d, ch\u01b0a th\u1ec3 v\u1ec1 \u0111\u00edch th\u00ec ng\u00e0nh ng\u00e2n h\u00e0ng l\u1ea1i ph\u1ea3i \u201c\u0111\u00e8o b\u00f2ng\u201d th\u00eam m\u1ed9t \u201cg\u00e1nh n\u1eb7ng\u201d m\u1edbi \u2013 \u0111\u00f3 l\u00e0 Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n S\u00e0i G\u00f2n (SCB). V\u00e0o ng\u00e0y 15\/10\/2022, NHNN c\u00f4ng b\u1ed1 quy\u1ebft \u0111\u1ecbnh ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t \u0111\u1ec3 \u1ed5n \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y sau nh\u1eefng b\u00ea b\u1ed1i li\u00ean quan \u0111\u1ebfn b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan.\u00a0<\/strong>Vi\u1ec7c t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m, t\u1eeb ch\u1ed7 ch\u1ec9 c\u00f3 4 c\u00e1i t\u00ean l\u00e0 CBBank, OceanBank, GPBank, DongA Bank, \u0111\u00e3 c\u00f3 th\u00eam SCB.<\/p>\n

C\u0169ng trong n\u0103m 2022, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t \u0111\u1ec1 \u00e1n \u201cC\u01a1 c\u1ea5u l\u1ea1i h\u1ec7 th\u1ed1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng g\u1eafn v\u1edbi x\u1eed l\u00fd n\u1ee3 x\u1ea5u giai \u0111o\u1ea1n 2021 \u2013 2025\u201d. T\u1eeb c\u01a1 s\u1edf \u0111\u00f3, k\u1ef3 v\u1ecdng x\u1eed l\u00fd ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111\u00e3 chuy\u1ec3n tr\u1ecdng t\u00e2m t\u1eeb c\u00e1c \u0111\u1ed1i t\u00e1c n\u01b0\u1edbc ngo\u00e0i sang c\u00e1c nh\u00e0 b\u0103ng n\u1ed9i. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u1edbn trong n\u01b0\u1edbc l\u00fac b\u1ea5y gi\u1edd nh\u01b0 MB, Vietcombank, VPBank, HDBank,\u2026 \u0111\u01b0\u1ee3c tin t\u01b0\u1edfng \u0111\u00e3 c\u00f3 ngu\u1ed3n l\u1ef1c t\u1ed1t v\u00e0 am hi\u1ec3u th\u1ecb tr\u01b0\u1eddng, s\u1eb5n s\u00e0ng cho ch\u1eb7ng ti\u1ebfp theo trong h\u00e0nh tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m.<\/p>\n

Khi \u0111\u00f3, th\u00f4ng tin ban \u0111\u1ea7u cho bi\u1ebft, OceanBank \u0111\u01b0\u1ee3c MB v\u00e0 CBBank \u0111\u01b0\u1ee3c Vietcombank nh\u1eadn \u0111\u1ec3 th\u1ef1c hi\u1ec7n t\u00e1i c\u01a1 c\u1ea5u giai \u0111o\u1ea1n ti\u1ebfp theo c\u00f2n DongABank \u0111\u01b0\u1ee3c HDBank v\u00e0 GPBank \u0111\u01b0\u1ee3c VPBank nh\u1eadn nhi\u1ec7m v\u1ee5 h\u1ed7 tr\u1ee3.<\/p>\n

Tuy v\u1eady, c\u0169ng ph\u1ea3i \u0111\u1ebfn g\u1ea7n cu\u1ed1i n\u0103m 2024, h\u00e0nh tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m m\u1edbi th\u1ef1c s\u1ef1 c\u00f3 b\u01b0\u1edbc chuy\u1ec3n \u0111\u00e1ng k\u1ec3. Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eeda \u0111\u1ed5i n\u0103m 2024 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/7\/2024 \u0111\u00e3 \u201cc\u1ea5p\u201d th\u00eam nhi\u1ec1u \u201cl\u1ee3i th\u1ebf\u201d cho c\u00e1c nh\u00e0 b\u0103ng nh\u1eadn chuy\u1ec3n giao b\u1eaft bu\u1ed9c, t\u1eeb \u0111\u00f3, g\u00f3p ph\u1ea7n t\u1ea1o n\u00ean m\u1ed9t giai \u0111o\u1ea1n \u201cch\u01b0a t\u1eebng c\u00f3 ti\u1ec1n l\u1ec7\u201d nh\u01b0 Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n Th\u1ecb H\u1ed3ng n\u00f3i.<\/p>\n

V\u00e0o th\u00e1ng 10\/2024, OceanBank v\u00e0 CBBank ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c chuy\u1ec3n giao b\u1eaft bu\u1ed9c cho MB v\u00e0 Vietcombank. Ch\u1ec9 sau h\u01a1n 1 th\u00e1ng v\u1ec1 nh\u00e0 m\u1edbi, nh\u1eefng ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng \u0111\u00e3 b\u1eaft \u0111\u1ea7u c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfn m\u1edbi.<\/p>\n

N\u1ed5i b\u1eadt nh\u1ea5t l\u00e0 Oceanbank, (nay \u0111\u1ed5i t\u00ean th\u00e0nh Ng\u00e2n h\u00e0ng TNHH MTV Vi\u1ec7t Nam Hi\u1ec7n \u0110\u1ea1i, g\u1ecdi t\u1eaft l\u00e0 MBV), ch\u1ec9 t\u1eeb ng\u00e0y 17\/10 \u2013 13\/12, t\u0103ng tr\u01b0\u1edfng huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ea1t 1.229 t\u1ef7 \u0111\u1ed3ng, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng th\u00eam 555 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Ngo\u00e0i ra, theo chia s\u1ebb c\u1ee7a \u00f4ng L\u01b0u Trung Th\u00e1i, Ch\u1ee7 t\u1ecbch MB, MB v\u00e0 MBV c\u0169ng \u0111\u00e3 tri\u1ec3n khai c\u00e1c kho\u1ea3n b\u00e1n n\u1ee3 v\u1edbi quy m\u00f4 g\u1ea7n 6.000 t\u1ef7 \u0111\u1ed3ng. \u0110\u1ed3ng th\u1eddi, b\u1ed9 m\u00e1y nh\u00e2n s\u1ef1 ch\u1ee7 ch\u1ed1t c\u1ee7a MBV c\u0169ng \u0111\u01b0\u1ee3c ki\u1ec7n to\u00e0n v\u1edbi 80 nh\u00e2n s\u1ef1 c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng cao, d\u00e0y d\u1eb7n kinh nghi\u1ec7m \u0111\u01b0\u1ee3c MB l\u1ef1a ch\u1ecdn.<\/p>\n

Trong khi OceanBank c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfn m\u1edbi, 2 ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m c\u00f2n l\u1ea1i l\u00e0 GPBank v\u00e0 DongA Bank c\u0169ng d\u1ef1 ki\u1ebfn s\u1ebd s\u1edbm \u0111\u01b0\u1ee3c chuy\u1ec3n giao cho c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c. Tr\u01b0\u1eddng h\u1ee3p c\u1ee7a SCB c\u0169ng \u0111ang \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 \u0111\u1ed1c th\u00fac v\u00e0 kh\u1eb3ng \u0111\u1ecbnh \u201ckh\u00f4ng \u0111\u1ec3 ch\u1eadm tr\u1ec5 h\u01a1n \u0111\u01b0\u1ee3c n\u1eefa\u201d, m\u1edf \u0111\u01b0\u1eddng cho qu\u00e1 tr\u00ecnh t\u00e1i c\u1ea5u tr\u00fac m\u1ea1nh m\u1ebd h\u01a1n v\u00e0o n\u0103m 2025.<\/p>\n

G\u00e1nh n\u1eb7ng nh\u1ea5t \u1edf ph\u00eda tr\u01b0\u1edbc<\/h5>\n

Theo Ngh\u1ecb quy\u1ebft s\u1ed1 233\/NQ-CP, NHNN s\u1ebd ph\u1ea3i tr\u00ecnh ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n giao b\u1eaft bu\u1ed9c 2 ng\u00e2n h\u00e0ng GPBank v\u00e0 DongA Bank tr\u01b0\u1edbc ng\u00e0y 20\/12\/2024. M\u1ed9t ph\u1ea7n t\u01b0\u01a1ng lai c\u1ee7a GPBank v\u00e0 Dong A Bank \u0111ang d\u1ea7n \u0111\u01b0\u1ee3c s\u00e1ng t\u1ecf.<\/p>\n

D\u1eabu v\u1eady, d\u00f9 c\u1ea3 4 ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m c\u00f3 \u0111\u01b0\u1ee3c chuy\u1ec3n giao trong n\u0103m 2024 nh\u01b0 l\u00e3nh \u0111\u1ea1o NHNN k\u1ef3 v\u1ecdng th\u00ec ng\u00e0nh ng\u00e2n h\u00e0ng v\u1eabn ch\u01b0a th\u1ec3 v\u1ed9i m\u1eebng b\u1edfi c\u00f2n r\u1ea5t nhi\u1ec1u nhi\u1ec7m v\u1ee5 th\u00e1ch th\u1ee9c h\u01a1n \u0111ang ch\u1edd \u1edf ph\u00eda tr\u01b0\u1edbc.<\/p>\n

Kh\u00f3 kh\u0103n tr\u01b0\u1edbc m\u1eaft ch\u00ednh l\u00e0 c\u00e2u chuy\u1ec7n c\u1ee7a ng\u00e2n h\u00e0ng SCB b\u1edfi \u0111\u00e2y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p t\u00e1i c\u01a1 c\u1ea5u ph\u1ee9c t\u1ea1p nh\u1ea5t trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh Vi\u1ec7t Nam trong l\u1ecbch s\u1eed.<\/p>\n

\u0110\u1ea7u ti\u00ean ph\u1ea3i k\u1ec3 \u0111\u1ebfn vi\u1ec7c SCB l\u00e0 ng\u00e2n h\u00e0ng c\u00f3 quy m\u00f4 l\u1edbn nh\u1ea5t trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng \u0111ang t\u00e1i c\u01a1 c\u1ea5u, v\u1edbi t\u1ed5ng t\u00e0i s\u1ea3n v\u01b0\u1ee3t 750.000 t\u1ef7 \u0111\u1ed3ng (theo b\u00e1o c\u00e1o tr\u01b0\u1edbc khi r\u01a1i v\u00e0o di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t v\u00e0o th\u00e1ng 10\/2022). Ch\u01b0a k\u1ec3, SCB c\u00f2n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u “b\u00e0i to\u00e1n kh\u00f3”, t\u1eeb danh m\u1ee5c tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p r\u1ee7i ro cao, c\u00e1c kho\u1ea3n vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n ti\u1ec1m \u1ea9n nguy c\u01a1 m\u1ea5t v\u1ed1n, \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd g\u1eafn li\u1ec1n v\u1edbi c\u1ed5 \u0111\u00f4ng l\u1edbn nh\u01b0 T\u1eadp \u0111o\u00e0n V\u1ea1n Th\u1ecbnh Ph\u00e1t.<\/p>\n

V\u1edbi quy m\u00f4 t\u00e0i s\u1ea3n l\u1edbn, kh\u1ed1i n\u1ee3 x\u1ea5u kh\u1ee7ng, s\u1ef1 ph\u1ee9c t\u1ea1p v\u1ec1 ph\u00e1p l\u00fd v\u00e0 t\u00e0i ch\u00ednh, c\u0169ng nh\u01b0 \u00e1p l\u1ef1c duy tr\u00ec ni\u1ec1m tin th\u1ecb tr\u01b0\u1eddng, vi\u1ec7c x\u1eed l\u00fd SCB ph\u1ea3i v\u00f4 c\u00f9ng c\u1ea9n tr\u1ecdng v\u00e0 \u0111\u01b0\u1ee3c xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng nh\u1eb1m tr\u00e1nh g\u00e2y r\u1ee7i ro lan t\u1ecfa cho to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Ch\u1ec9 m\u1ed9t sai s\u00f3t nh\u1ecf trong x\u1eed l\u00fd SCB c\u0169ng c\u00f3 th\u1ec3 g\u00e2y ra \u201chi\u1ec7u \u1ee9ng domino\u201d, \u0111e d\u1ecda \u0111\u1ebfn s\u1ef1 \u1ed5n \u0111\u1ecbnh h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i trong n\u01b0\u1edbc.<\/p>\n

B\u00e0i h\u1ecdc t\u1eeb ng\u00e2n h\u00e0ng SCB v\u1eabn c\u00f2n \u0111\u00f3.<\/strong><\/h5>\n

Trong khi \u0111\u00f3, ch\u1eb7ng \u0111\u01b0\u1eddng m\u1edbi c\u1ee7a 4 ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m kh\u00e1c ngo\u00e0i SCB sau chuy\u1ec3n giao b\u1eaft bu\u1ed9c c\u0169ng c\u00f2n nhi\u1ec1u l\u1eafng lo v\u00e0 tr\u0103n tr\u1edf. B\u1edfi theo TS. V\u00f5 Tr\u00ed Th\u00e0nh, nguy\u00ean Ph\u00f3 vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Nghi\u00ean c\u1ee9u qu\u1ea3n l\u00fd kinh t\u1ebf Trung \u01b0\u01a1ng (CIEM), vi\u1ec7c chuy\u1ec3n giao b\u1eaft bu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m hi\u1ec7n m\u1edbi ch\u1ec9 x\u1eed l\u00fd \u0111\u01b0\u1ee3c \u201cph\u1ea7n n\u1ed5i c\u1ee7a t\u1ea3ng b\u0103ng ch\u00ecm\u201d. Nh\u1eefng y\u1ebfu t\u1ed1 \u201cgieo m\u1ea7m\u201d cho s\u1ef1 h\u00ecnh th\u00e0nh n\u00ean c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o, cho vay s\u00e2n sau,\u2026v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft tri\u1ec7t \u0111\u1ec3.<\/p>\n

B\u00e0i h\u1ecdc t\u1eeb SCB l\u00e0 minh ch\u1ee9ng r\u00f5 n\u00e9t nh\u1ea5t cho h\u1ec7 qu\u1ea3 c\u1ee7a s\u1edf h\u1eefu ch\u00e9o kh\u00f4ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd. Ti\u1ec1n th\u00e2n c\u1ee7a ng\u00e2n h\u00e0ng SCB l\u00e0 s\u1ef1 h\u1ee3p nh\u1ea5t gi\u1eefa ba ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n, nh\u01b0ng ph\u1ea7n l\u1edbn c\u1ed5 ph\u1ea7n sau \u0111\u00f3 l\u1ea1i b\u1ecb th\u00e2u t\u00f3m b\u1edfi nh\u00f3m c\u1ed5 \u0111\u00f4ng l\u1edbn li\u00ean quan \u0111\u1ebfn T\u1eadp \u0111o\u00e0n V\u1ea1n Th\u1ecbnh Ph\u00e1t.<\/p>\n

Ch\u00ednh s\u1ef1 chi ph\u1ed1i qu\u00e1 m\u1ee9c n\u00e0y \u0111\u00e3 bi\u1ebfn SCB th\u00e0nh m\u1ed9t c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh ph\u1ee5c v\u1ee5 cho l\u1ee3i \u00edch c\u1ee7a c\u1ed5 \u0111\u00f4ng l\u1edbn, m\u00e0 \u0111i\u1ec3n h\u00ecnh l\u00e0 c\u00e1c kho\u1ea3n vay kh\u1ed5ng l\u1ed3 ph\u1ee5c v\u1ee5 \u201cs\u00e2n sau\u201d nh\u01b0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i.<\/p>\n

H\u1ec7 l\u1ee5y c\u1ee7a s\u1edf h\u1eefu ch\u00e9o kh\u00f4ng d\u1eebng l\u1ea1i \u1edf m\u1ed9t t\u1ed5 ch\u1ee9c m\u00e0 c\u00f2n t\u1ea1o hi\u1ec7u \u1ee9ng d\u00e2y chuy\u1ec1n t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn c\u1ea3 h\u1ec7 th\u1ed1ng. Nh\u00ecn r\u1ed9ng h\u01a1n, s\u1edf h\u1eefu ch\u00e9o khi\u1ebfn r\u1ee7i ro b\u1ecb lan truy\u1ec1n qua c\u00e1c m\u1ed1i li\u00ean k\u1ebft l\u1ee3i \u00edch trong ng\u00e0nh ng\u00e2n h\u00e0ng, g\u00e2y m\u1ea5t an to\u00e0n h\u1ec7 th\u1ed1ng.<\/p>\n

M\u1eb7c d\u00f9 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eeda \u0111\u1ed5i n\u0103m 2024 \u0111\u00e3 ph\u1ea7n n\u00e0o \u0111\u01b0a nh\u1eefng c\u1ed5 \u0111\u00f4ng th\u00e2n t\u00edn, ti\u1ec1m \u1ea9n l\u1ee3i \u00edch nh\u00f3m \u201cra \u00e1nh s\u00e1ng\u201d nh\u1edd gi\u1ea3m t\u1ec9 l\u1ec7 s\u1edf h\u1eefu c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n\/t\u1ed5 ch\u1ee9c. Song, nh\u01b0 Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/a> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/em>\u00a0<\/em><\/strong>n\u00f3i, nh\u00f3m c\u1ed5 \u0111\u00f4ng v\u1eabn c\u00f3 th\u1ec3 \u201cl\u00e1ch lu\u1eadt\u201d b\u1eb1ng nhi\u1ec1u c\u00e1ch, ch\u1eb3ng h\u1ea1n nh\u01b0 nh\u1edd \u0111\u1ee9ng t\u00ean h\u1ed9, \u0111\u1ec3 duy tr\u00ec quy\u1ec1n ki\u1ec3m so\u00e1t \u201c\u1ea9n danh\u201d.<\/em><\/p>\n

N\u1ebfu kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 n\u00e0y m\u1ed9t c\u00e1ch tri\u1ec7t \u0111\u1ec3, 5 ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m sau chuy\u1ec3n giao r\u1ea5t d\u1ec5 tr\u1edf th\u00e0nh m\u1ed9t SCB th\u1ee9 hai, th\u1ee9 ba.<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y s\u1ebd g\u1eb7p ph\u1ea3i v\u00f4 v\u00e0n th\u00e1ch th\u1ee9c trong vi\u1ec7c kh\u1eafc ph\u1ee5c n\u1ee3 x\u1ea5u, kh\u00f4i ph\u1ee5c ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng, t\u00e1i c\u1ea5u tr\u00fac ho\u1ea1t \u0111\u1ed9ng v\u00e0 gi\u1eef v\u1eefng v\u1ecb th\u1ebf tr\u00ean th\u1ecb tr\u01b0\u1eddng ng\u00e0y c\u00e0ng c\u1ea1nh tranh. D\u1eabu v\u1eady, s\u1ef1 quy\u1ebft t\u00e2m t\u1eeb c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, s\u1ef1 c\u1ea3i thi\u1ec7n trong khung ph\u00e1p l\u00fd, c\u00f9ng v\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 m\u1ea1nh m\u1ebd t\u1eeb h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng s\u1ebd l\u00e0 \u201cng\u00f4i sao hy v\u1ecdng\u201d \u0111\u01b0a c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y tr\u1edf l\u1ea1i \u1ed5n \u0111\u1ecbnh v\u00e0 ph\u00e1t tri\u1ec3n.<\/p>\n

Kh\u00e1nh<\/strong> T\u00fa<\/strong><\/h5>\n

————-<\/em><\/p>\n

Vietnam<\/em><\/strong> Finance<\/em><\/strong> (Ng\u00e2n<\/em><\/strong> h\u00e0ng<\/em><\/strong>) ng\u00e0y <\/em><\/strong>18-12<\/em><\/strong>-2024:<\/em><\/strong><\/p>\n

https:\/\/vietnamfinance.vn\/sau-thap-ky-so-phan-nhung-ngan-hang-yeu-kem-di-den-hoi-ket-d120218.html<\/a><\/em><\/p>\n

(<\/em>34\/2.006<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Sau th\u1eadp k\u1ef7, s\u1ed1 ph\u1eadn nh\u1eefng ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111i \u0111\u1ebfn h\u1ed3i k\u1ebft? (VNF) – Th\u1ee7 t\u01b0\u1edbng \u0111\u00e3 y\u00eau c\u1ea7u NHNN ph\u1ea3i kh\u1ea9n tr\u01b0\u01a1ng tr\u00ecnh ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n giao b\u1eaft bu\u1ed9c GPBank v\u00e0 DongA Bank tr\u01b0\u1edbc ng\u00e0y 20\/12\/2024. Nh\u01b0 v\u1eady, ch\u1ed1t n\u0103m 2024, ch\u1eb7ng \u0111\u01b0\u1eddng t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m s\u1ebd b\u01b0\u1edbc […]<\/p>\n","protected":false},"author":2,"featured_media":45273,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-45272","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":"\n3.963. Sau th\u1eadp k\u1ef7, s\u1ed1 ph\u1eadn nh\u1eefng ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111i \u0111\u1ebfn h\u1ed3i k\u1ebft? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"S\u1ed1 ph\u1eadn nh\u1eefng ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111i \u0111\u1ebfn h\u1ed3i k\u1ebft | Kh\u1ea9n tr\u01b0\u01a1ng tr\u00ecnh ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n giao b\u1eaft bu\u1ed9c GPBank v\u00e0 DongA Bank tr\u01b0\u1edbc ng\u00e0y 20\/12\/2024\" \/>\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\/en\/3-963-sau-thap-ky-so-phan-nhung-ngan-hang-yeu-kem-di-den-hoi-ket\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.963. 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