{"id":47004,"date":"2025-03-11T18:29:28","date_gmt":"2025-03-11T11:29:28","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=47004"},"modified":"2025-03-13T10:39:21","modified_gmt":"2025-03-13T03:39:21","slug":"4-009-bai-toan-so-huu-cheo-trong-kiem-soat-tai-chinh-ben-vung-goc-nhin-doanh-nghiep-san-sau-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-009-bai-toan-so-huu-cheo-trong-kiem-soat-tai-chinh-ben-vung-goc-nhin-doanh-nghiep-san-sau-ngan-hang\/","title":{"rendered":"4.009. B\u00e0i to\u00e1n \u201cs\u1edf h\u1eefu ch\u00e9o\u201d trong ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng: G\u00f3c nh\u00ecn doanh nghi\u1ec7p \u201cs\u00e2n sau\u201d ng\u00e2n h\u00e0ng."},"content":{"rendered":"<h4><span style=\"color: #723918;\">B\u00e0i to\u00e1n \u201cs\u1edf h\u1eefu ch\u00e9o\u201d trong ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng: G\u00f3c nh\u00ecn doanh nghi\u1ec7p \u201cs\u00e2n sau\u201d ng\u00e2n h\u00e0ng.<\/span><\/h4>\n<h5>(KTMT) &#8211; \u0110\u1ea9y m\u1ea1nh thanh tra ng\u00e2n h\u00e0ng c\u00f3 \u201cs\u00e2n sau\u201d l\u00e0 doanh nghi\u1ec7p s\u1ebd gi\u00fap minh b\u1ea1ch h\u00f3a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng c\u1ea1nh tranh c\u00f4ng b\u1eb1ng gi\u1eefa c\u00e1c doanh nghi\u1ec7p, nh\u00e0 \u0111\u1ea7u t\u01b0, h\u01b0\u1edbng t\u1edbi \u1ed5n \u0111\u1ecbnh, ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh qu\u1ed1c gia&#8230;<\/h5>\n<p>Trong Ngh\u1ecb quy\u1ebft phi\u00ean h\u1ecdp th\u01b0\u1eddng k\u1ef3 th\u00e1ng 2\/2025 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1eeba qua c\u00f3 n\u00eau r\u00f5, ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ea7n n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng thanh tra, ki\u1ec3m tra, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi nh\u1eefng \u0111\u01a1n v\u1ecb c\u00f3 d\u1ea5u hi\u1ec7u li\u00ean k\u1ebft l\u1ee3i \u00edch v\u1edbi doanh nghi\u1ec7p.<\/p>\n<h5><strong>Ch\u1ee7 tr\u01b0\u01a1ng, ch\u00ednh s\u00e1ch ph\u00e1p l\u00fd v\u00e0 ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7<\/strong><\/h5>\n<p>Theo \u0111\u00f3, Ch\u00ednh ph\u1ee7 giao Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Vi\u1ec7t Nam ch\u1ee7 tr\u00ec, ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c c\u01a1 quan, \u0111\u1ecba ph\u01b0\u01a1ng tri\u1ec3n khai quy\u1ebft li\u1ec7t c\u00e1c gi\u1ea3i ph\u00e1p gi\u1ea3m m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7.<\/p>\n<p>NHNN c\u0169ng c\u1ea7n ch\u1ee7 \u0111\u1ed9ng th\u1ef1c hi\u1ec7n \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh b\u1eb1ng c\u00e1c c\u00f4ng c\u1ee5 thu\u1ed9c th\u1ea9m quy\u1ec1n. Theo d\u00f5i, gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, vi\u1ec7c c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 cho vay; nghi\u00eam c\u1ea5m, x\u1eed l\u00fd nghi\u00eam theo ph\u00e1p lu\u1eadt c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ea1nh tranh l\u00e3i su\u1ea5t kh\u00f4ng l\u00e0nh m\u1ea1nh.<\/p>\n<p>\u0110\u00e1ng ch\u00fa \u00fd, NHNN \u0111\u1ea9y m\u1ea1nh h\u01a1n n\u1eefa c\u00f4ng t\u00e1c thanh tra, ki\u1ec3m tra, nh\u1ea5t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n c\u00f3 \u201cs\u00e2n sau\u201d l\u00e0 c\u00e1c doanh nghi\u1ec7p, \u0111\u1eb7c bi\u1ec7t l\u00e0 doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-47005 size-medium alignright\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/03\/Picture1-1-450x237.png\" alt=\"B\u00e0i to\u00e1n \u201cs\u1edf h\u1eefu ch\u00e9o\u201d trong ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng: G\u00f3c nh\u00ecn doanh nghi\u1ec7p \u201cs\u00e2n sau\u201d ng\u00e2n h\u00e0ng.\" width=\"450\" height=\"237\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/03\/Picture1-1-450x237.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/03\/Picture1-1-768x404.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/03\/Picture1-1.png 908w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<h5>Vi\u1ec7c s\u1edf h\u1eefu ch\u00e9o gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p c\u1ea7n b\u1ea3o \u0111\u1ea3m \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/h5>\n<p>Ch\u00ednh ph\u1ee7 c\u0169ng y\u00eau c\u1ea7u xem x\u00e9t b\u1ed5 sung ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho c\u00e1c ng\u00e2n h\u00e0ng, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c vay v\u1ed1n nh\u1eb1m th\u00fac \u0111\u1ea9y d\u00f2ng v\u1ed1n t\u00edn d\u1ee5ng v\u00e0o c\u00e1c l\u0129nh v\u1ef1c then ch\u1ed1t c\u1ee7a n\u1ec1n kinh t\u1ebf. B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea7n nghi\u00ean c\u1ee9u v\u00e0 tri\u1ec3n khai c\u00e1c g\u00f3i t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i d\u00e0nh cho ng\u01b0\u1eddi d\u01b0\u1edbi 35 tu\u1ed5i v\u00e0 nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 nh\u00e0 \u1edf.<\/p>\n<p>Ng\u00e0y 18\/01\/2024, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) \u0111\u00e3 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i kh\u00f3a XV th\u00f4ng qua t\u1ea1i K\u1ef3 h\u1ecdp b\u1ea5t th\u01b0\u1eddng l\u1ea7n th\u1ee9 5 v\u1edbi nhi\u1ec1u k\u1ef3 v\u1ecdng. Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 \u0111\u00e3 \u0111\u01b0\u1ee3c ban h\u00e0nh g\u1ed3m 15 ch\u01b0\u01a1ng, 210 \u0111i\u1ec1u, \u0111i\u1ec1u ch\u1ec9nh nhi\u1ec1u v\u1ea5n \u0111\u1ec1 c\u1ed1t l\u00f5i trong \u0111\u00f3 c\u00f3 c\u00e1c v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra nh\u1eb1m \u0111\u1ec3 t\u00edch c\u1ef1c ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng di\u1ec5n ra nh\u1ee9c nh\u1ed1i nhi\u1ec1u n\u0103m qua.<\/p>\n<h5>Trong \u0111\u00f3 c\u00f3 nhi\u1ec1u \u0111i\u1ec3m m\u1edbi:<\/h5>\n<ul>\n<li>Th\u1ee9 nh\u1ea5t,\u00a0Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 c\u1ea5m b\u00e1n b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c v\u1edbi cung \u1ee9ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c.<\/li>\n<li>Th\u1ee9 hai,\u00a0Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 b\u1ed5 sung theo h\u01b0\u1edbng m\u1edf r\u1ed9ng ch\u1ee7 th\u1ec3 ph\u1ea3i cung c\u1ea5p, c\u00f4ng b\u1ed1 v\u00e0 c\u00f4ng khai th\u00f4ng tin;<\/li>\n<li>Th\u1ee9 ba,\u00a0Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 gi\u1ea3m t\u1ec9 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a c\u1ed5 \u0111\u00f4ng trong c\u00e1c TCTD;<\/li>\n<li>Th\u1ee9 t\u01b0,\u00a0Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 b\u1ed5 sung quy \u0111\u1ecbnh v\u1ec1 x\u00e9t duy\u1ec7t c\u1ea5p t\u00edn d\u1ee5ng, ki\u1ec3m tra s\u1eed d\u1ee5ng v\u1ed1n vay, t\u00e0i s\u1ea3n cho thu\u00ea t\u00e0i ch\u00ednh;<\/li>\n<li>Th\u1ee9 n\u0103m,\u00a0Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 quy \u0111\u1ecbnh v\u1ec1 can thi\u1ec7p s\u1edbm c\u00e1c TCTD y\u1ebfu k\u00e9m. Theo \u0111\u00f3, Lu\u1eadt \u0111\u00e3 b\u1ed5 sung m\u1ed9t ch\u01b0\u01a1ng quy \u0111\u1ecbnh d\u00e0nh cho vi\u1ec7c can thi\u1ec7p s\u1edbm c\u00e1c TCTD. C\u00e1c quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n t\u1eeb quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00e2y c\u00f9ng v\u1edbi vi\u1ec7c nghi\u00ean c\u1ee9u, \u0111\u00e1nh gi\u00e1 th\u1ef1c ti\u1ec5n \u00e1p d\u1ee5ng sau h\u01a1n 05 n\u0103m (t\u1eeb n\u0103m 2018 \u0111\u1ebfn nay);<\/li>\n<li>Th\u1ee9 s\u00e1u,\u00a0Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 gi\u1ea3m d\u1ea7n gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng. M\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh s\u1ebd gi\u1ea3m d\u1ea7n qua t\u1eebng n\u0103m, b\u1eaft \u0111\u1ea7u t\u1eeb n\u0103m 2026;<\/li>\n<li>Th\u1ee9 b\u1ea3y,\u00a0Lu\u1eadt C\u00e1c TCTD n\u0103m 2024 b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. [1]<\/li>\n<\/ul>\n<p>Kh\u00e1i ni\u1ec7m s\u1edf h\u1eefu ch\u00e9o trong ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng x\u1ea3y ra khi hai ho\u1eb7c nhi\u1ec1u ng\u00e2n h\u00e0ng t\u01b0\u01a1ng h\u1ed7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a nhau. M\u1ee9c \u0111\u1ed9 s\u1edf h\u1eefu ch\u00e9o c\u00f3 th\u1ec3 kh\u00e1c nhau, s\u1ebd theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m so v\u1edbi v\u1ed1n \u0111i\u1ec1u l\u1ec7 nh\u01b0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt. S\u1edf h\u1eefu ch\u00e9o c\u00f3 th\u1ec3 di\u1ec5n ra gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc, li\u00ean doanh, ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, ho\u1eb7c gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n<p>C\u0169ng theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i), t\u1eeb ng\u00e0y 1\/7\/2024, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f4ng b\u1ed1 th\u00f4ng tin v\u1ec1 c\u1ed5 \u0111\u00f4ng n\u1eafm t\u1eeb 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 tr\u1edf l\u00ean. Quy \u0111\u1ecbnh m\u1edbi k\u1ef3 v\u1ecdng gi\u00fap th\u1ecb tr\u01b0\u1eddng v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 c\u00e1i nh\u00ecn r\u00f5 r\u00e0ng h\u01a1n v\u1ec1 c\u01a1 c\u1ea5u s\u1edf h\u1eefu t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, t\u1eeb \u0111\u00f3 \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c r\u1ee7i ro v\u00e0 ti\u1ec1m n\u0103ng c\u1ee7a t\u1eebng nh\u00e0 b\u0103ng.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) c\u0169ng m\u1edf r\u1ed9ng kh\u00e1i ni\u1ec7m ng\u01b0\u1eddi c\u00f3 li\u00ean quan n\u1eafm c\u1ed5 ph\u1ea7n ng\u00e2n h\u00e0ng c\u1ea7n c\u00f4ng b\u1ed1 c\u00f4ng khai, bao g\u1ed3m c\u1ea3 \u00f4ng, b\u00e0 n\u1ed9i; \u00f4ng, b\u00e0 ngo\u1ea1i; c\u00f4, d\u00ec, ch\u00fa, b\u00e1c, c\u00e1c ch\u00e1u, t\u1ee9c l\u00e0 5 th\u1ebf h\u1ec7.<\/p>\n<h5><strong>G\u00f3c nh\u00ecn th\u1ef1c ti\u1ec5n<\/strong><\/h5>\n<p>Theo c\u00e1c\u00a0chuy\u00ean gia t\u00e0i ch\u00ednh, r\u1ea5t c\u1ea7n\u00a0NHNN\u00a0c\u00f3 k\u1ebf ho\u1ea1ch t\u1ed5 ch\u1ee9c thanh tra (c\u1ea3 \u0111\u1ecbnh k\u1ef3 v\u00e0 ch\u1ebf \u0111\u1ed9 \u0111\u1ed9t xu\u1ea5t) \u0111\u1ed1i v\u1edbi nh\u1eefng\u00a0doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 c\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. C\u00f3 th\u1ec3 th\u1ea5y, b\u00e0i h\u1ecdc \u0111\u1eaft gi\u00e1 nh\u01b0 tr\u01b0\u1eddng h\u1ee3p c\u1ee7a V\u1ea1n Th\u1ecbnh Ph\u00e1t v\u1edbi SCB \u0111\u00e3 th\u1ec3 hi\u1ec7n r\u00f5\u00a0v\u1ea5n \u0111\u1ec1 th\u00e2u t\u00f3m l\u1ee3i \u00edch nh\u00f3m.\u00a0Ho\u1ea1t \u0111\u1ed9ng n\u00e0y\u00a0s\u1ebd gi\u00fap minh b\u1ea1ch th\u1ecb tr\u01b0\u1eddng, s\u1edbm ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi thao t\u00fang, m\u00e0 c\u00f2n c\u1ee7ng c\u1ed1 s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 b\u1ec1n v\u1eefng c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh qu\u1ed1c gia.<\/p>\n<p>Trong nh\u1eefng n\u0103m qua, NHNN c\u00f4ng b\u1ed1 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u1eeb kh\u1ed1i c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n lu\u00f4n \u1edf m\u1ee9c cao. Th\u1ef1c t\u1ebf n\u00e0y cho th\u1ea5y\u00a0c\u00e2u chuy\u1ec7n ph\u00eda sau c\u1ea7n c\u1ea3nh b\u00e1o, \u0111\u00f3 l\u00e0 c\u00e1c m\u1ed1i quan h\u1ec7 &#8220;s\u00e2n sau&#8221; gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn c\u00e1c h\u1ec7 l\u1ee5y ti\u00eau c\u1ef1c nh\u01b0 cho vay d\u01b0\u1edbi chu\u1ea9n, th\u1ea9m \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n kh\u00f4ng kh\u00e1ch quan, che gi\u1ea5u th\u00f4ng tin v\u1ec1 n\u1ee3 x\u1ea5u, v\u00e0 th\u1eadm ch\u00ed l\u00e0 c\u00e1c h\u00e0nh vi l\u1ee3i \u00edch nh\u00f3m. Khi \u1ea5y, n\u1ea1n nh\u00e2n s\u1ebd l\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1ecf l\u1ebb, th\u1ecb tr\u01b0\u1eddng\u00a0b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 nguy c\u01a1 bong b\u00f3ng.<\/p>\n<p>C\u00f3 th\u1ec3 n\u00f3i, trong b\u1ed1i c\u1ea3nh t\u00ecnh h\u00ecnh m\u1edbi c\u1ee7a n\u1ec1n kinh t\u1ebf, song h\u00e0nh v\u1edbi c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n, th\u00ec b\u1ea5t \u0111\u1ed9ng s\u1ea3n lu\u00f4n l\u00e0 t\u00e0i s\u1ea3n thu\u1ed9c ph\u00e2n kh\u00fac top \u0111\u1ea7u m\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1ef1a ch\u1ecdn. Ch\u00ednh v\u00ec v\u1eady, vi\u1ec7c c\u00e1c c\u00f4ng ty b\u1ea5t \u0111\u1ed9ng s\u1ea3n g\u1eafn b\u00f3 m\u1eadt thi\u1ebft\u00a0v\u1edbi\u00a0ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 \u0111i\u1ec1u t\u1ea5t y\u1ebfu, kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi, b\u1edfi l\u00e3nh \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng v\u1edbi r\u1ea5t nhi\u1ec1u ch\u1ee7 t\u1ecbch h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb\u00a0l\u1ea1i\u00a0l\u00e0 gi\u1edbi doanh nh\u00e2n trong b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Th\u1ef1c t\u1ebf n\u00e0y y\u00eau c\u1ea7u c\u1ea7n c\u00f3 ch\u00ednh s\u00e1ch theo k\u1ecbp, \u0111\u1ed3ng b\u1ed9 \u0111\u1ec3 ki\u1ec3m so\u00e1t c\u00e1c h\u1ec7 l\u1ee5y, r\u1ee7i ro v\u1ec1\u00a0nh\u00f3m l\u1ee3i \u00edch v\u00e0 quy\u1ec1n l\u1ef1c.<\/p>\n<p>C\u00e1c ch\u00ednh s\u00e1ch thanh ki\u1ec3m tra v\u00e0 c\u00f4ng c\u1ee5 ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh l\u00e0 \u0111\u1eb7c bi\u1ec7t c\u1ea7n thi\u1ebft. Theo\u00a0Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i)\u00a0th\u00ec\u00a0t\u1eeb ng\u00e0y 1\/7\/2024, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f4ng b\u1ed1 th\u00f4ng tin v\u1ec1 c\u1ed5 \u0111\u00f4ng n\u1eafm t\u1eeb 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 tr\u1edf l\u00ean.\u00a0V\u00e0 tr\u00ean th\u1ef1c t\u1ebf, ngay t\u1ea1i th\u1eddi \u0111i\u1ec3m th\u00e1ng 7\/2024 n\u00e0y, k\u1ec3 c\u1ea3 tr\u01b0\u1edbc v\u00e0 sau \u0111\u00f3, \u0111\u00e3 c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng c\u00f4ng b\u1ed1 danh s\u00e1ch c\u1ed5 \u0111\u00f4ng l\u00e0 doanh nh\u00e2n, doanh nghi\u1ec7p s\u1edf h\u1eefu tr\u00ean 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng.<\/p>\n<h6>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u1eeb kh\u1ed1i doanh nghi\u1ec7p s\u1edf h\u1eefu d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1eabn \u1edf m\u1ee9c cao. \u1ea2nh minh h\u1ecda.<\/h6>\n<p>Trong th\u00e1ng 7\/2024,\u00a0Ng\u00e2n h\u00e0ng Ph\u01b0\u01a1ng \u0110\u00f4ng (OCB) c\u00f4ng b\u1ed1 danh s\u00e1ch 20 c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu tr\u00ean 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng, trong \u0111\u00f3 g\u1ed3m 3 c\u1ed5 \u0111\u00f4ng ngo\u1ea1i l\u00e0 Aozora Bank (15%), Portal Global Limited (3%) v\u00e0 Pyn Elite Fund (2,4%). 17 c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p trong n\u01b0\u1edbc c\u00f2n l\u1ea1i n\u1eafm gi\u1eef h\u01a1n 60% v\u1ed1n \u0111i\u1ec1u l\u1ec7.<\/p>\n<p>V\u1edbi nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n, \u00f4ng Tr\u1ecbnh V\u0103n Tu\u1ea5n, Ch\u1ee7 t\u1ecbch OCB c\u00f9ng ng\u01b0\u1eddi c\u00f3 li\u00ean quan, n\u1eafm gi\u1eef t\u1ed5ng c\u1ed9ng 19,9% v\u1ed1n \u0111i\u1ec1u l\u1ec7. M\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n kh\u00e1c n\u1eafm gi\u1eef l\u01b0\u1ee3ng l\u1edbn c\u1ed5 phi\u1ebfu OCB g\u1ed3m b\u00e0 Tr\u1ecbnh Mai Linh, Tr\u1ecbnh Mai V\u00e2n, \u00f4ng Nguy\u1ec5n \u0110\u1ee9c To\u00e0n, b\u00e0 Cao Th\u1ecb Qu\u1ebf Anh, b\u00e0 Tr\u1ecbnh Th\u1ecb Mai Anh, \u00f4ng Phan Trung.<\/p>\n<p>V\u1ec1 ph\u00eda t\u1ed5 ch\u1ee9c, ngo\u00e0i V\u0103n ph\u00f2ng Th\u00e0nh u\u1ef7 s\u1edf h\u1eefu 3,65% v\u1ed1n, 9 doanh nghi\u1ec7p \u0111ang n\u1eafm gi\u1eef 31,6% c\u1ed5 ph\u1ea7n Ng\u00e2n h\u00e0ng Ph\u01b0\u01a1ng \u0110\u00f4ng.<\/p>\n<p>Nh\u00f3m n\u00e0y g\u1ed3m T\u1ed5ng c\u00f4ng ty B\u1ebfn Th\u00e0nh &#8211; TNHH MTV (4,96%), C\u00f4ng ty c\u1ed5 ph\u1ea7n \u0111\u1ea7u t\u01b0 B\u00ecnh An House (4,7%), C\u00f4ng ty c\u1ed5 ph\u1ea7n Greenwave Capital (4,4%), C\u00f4ng ty c\u1ed5 ph\u1ea7n \u0110\u1ea7u t\u01b0 HVR (3,85%), C\u00f4ng ty c\u1ed5 ph\u1ea7n Ph\u00e1t tri\u1ec3n h\u1ea1 t\u1ea7ng khu c\u00f4ng nghi\u1ec7p T\u00e2y Ninh (3,2%), C\u00f4ng ty c\u1ed5 ph\u1ea7n N\u0103ng l\u01b0\u1ee3ng t\u00e1i t\u1ea1o Hve (3,1%), C\u00f4ng ty c\u1ed5 ph\u1ea7n Next Green Capital (2,89%), C\u00f4ng ty c\u1ed5 ph\u1ea7n \u0110\u1ea7u t\u01b0 v\u00e0 X\u00e2y l\u1eafp \u0111i\u1ec7n s\u1ed1 (3,26%), C\u00f4ng ty TNHH \u0110\u1ea7u t\u01b0 TQA (1,1%).<\/p>\n<p>Hay m\u1ed9t ng\u00e2n h\u00e0ng kh\u00e1c l\u00e0\u00a0Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i Vi\u1ec7t Nam (MSB), c\u00f3 11 c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu t\u1eeb 1% v\u1ed1n \u0111i\u1ec1u l\u1ec7 tr\u1edf l\u00ean. Trong \u0111\u00f3, VNPT l\u00e0 c\u1ed5 \u0111\u00f4ng chi\u1ebfn l\u01b0\u1ee3c, hi\u1ec7n n\u1eafm g\u1ea7n 121 tri\u1ec7u c\u1ed5 phi\u1ebfu MSB, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 6,05% v\u1ed1n \u0111i\u1ec1u l\u1ec7. Theo l\u1ed9 tr\u00ecnh \u0111\u00e3 ph\u00ea duy\u1ec7t, \u0111\u1ebfn h\u1ebft n\u0103m 2025, VNPT s\u1ebd tho\u00e1i v\u1ed1n t\u1ea1i MSB. C\u00e1c c\u1ed5 \u0111\u00f4ng l\u1edbn c\u00f2n l\u1ea1i l\u00e0 3 doanh nghi\u1ec7p trong h\u1ec7 sinh th\u00e1i ROX Group (tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 TNG Holdings) n\u1eafm gi\u1eef g\u1ea7n 5,4% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a MSB, bao g\u1ed3m: C\u00f4ng ty CP ROX Key Holdings n\u1eafm 2,43%; C\u00f4ng ty CP \u0110\u1ea7u t\u01b0 v\u00e0 Cho thu\u00ea T\u00e0i s\u1ea3n TNL: 1,08%; v\u00e0 C\u00f4ng ty CP \u0110\u1ea7u t\u01b0 X\u00e2y d\u1ef1ng ROX Cons: 1,87%. Ba doanh nghi\u1ec7p kh\u00e1c, m\u1ed7i doanh nghi\u1ec7p s\u1edf h\u1eefu g\u1ea7n 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng n\u00e0y g\u1ed3m: C\u00f4ng ty TNHH Khu ngh\u1ec9 d\u01b0\u1ee1ng B\u00e3i D\u00e0i: 4,96% v\u00e0 C\u00f4ng ty TNHH Th\u00e0nh ph\u1ed1 C\u00f4ng ngh\u1ec7 Xanh H\u00e0 N\u1ed9i: 4,97%; C\u00f4ng ty X\u00e2y d\u1ef1ng v\u00e0 Kinh doanh C\u01a1 s\u1edf H\u1ea1 t\u1ea7ng KCN H\u00e0 N\u1ed9i &#8211; \u0110\u00e0i T\u01b0: 4,98%. C\u00f4ng ty CP \u0110\u1ea7u t\u01b0 Ti\u1ebfn An s\u1edf h\u1eefu 1,11%; C\u00f4ng ty CP \u0110\u1ea7u t\u01b0 Ricohomes s\u1edf h\u1eefu 2,64%.<\/p>\n<p>V\u1edbi kh\u1ed1i ngo\u1ea1i, qu\u1ef9 Buenavista Holdings n\u1eafm gi\u1eef 2,02% v\u1ed1n c\u1ee7a MSB. C\u00f2n ph\u00eda nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n, ch\u1ec9 c\u00f3 \u00f4ng Nilesh Ratilal Banglorewala n\u1eafm gi\u1eef 3,32% v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng.<\/p>\n<p>B\u00ean c\u1ea1nh c\u00e1c\u00a0doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n, kh\u1ed1i\u00a0ng\u00e2n h\u00e0ng c\u00f2n h\u1ea5p d\u1eabn nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nh\u01b0 b\u1ea3o hi\u1ec3m, doanh nghi\u1ec7p b\u00e1n l\u1ebb, d\u1ea7u kh\u00ed, h\u00f3a ch\u1ea5t, khu c\u00f4ng nghi\u1ec7p\u2026 Trong ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m, \u0111i\u1ec3n h\u00ecnh nh\u01b0\u00a0Prudential Vi\u1ec7t Nam, doanh nghi\u1ec7p\u00a0n\u00e0y s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1ea1i 3 ng\u00e2n h\u00e0ng (MBB, Vietinbank, ACB)\u2026<\/p>\n<h5><em>Theo <\/em><strong><em><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a> <\/em><\/strong><em>khuy\u1ebfn ngh\u1ecb, c\u1ea7n c\u00f4ng khai t\u1ea5t c\u1ea3 danh s\u00e1ch c\u1ed5 \u0111\u00f4ng thay v\u00ec t\u1ef7 l\u1ec7 s\u1edf h\u1eefu 1% m\u1edbi c\u00f4ng b\u1ed1 th\u00f4ng tin, v\u00ec ch\u1ec9 c\u00f3 c\u00f4ng khai minh b\u1ea1ch th\u00ec m\u1edbi th\u1ef1c s\u1ef1 gi\u00e1m s\u00e1t \u0111\u01b0\u1ee3c.<\/em><\/h5>\n<p>Th\u1ef1c t\u1ebf cho th\u1ea5y, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng lu\u00f4n \u0111\u01b0\u1ee3c kh\u1ed1ng ch\u1ebf r\u1ea5t ch\u1eb7t nh\u01b0ng v\u1eabn ch\u01b0a th\u1ec3 ng\u0103n ch\u1eb7n tri\u1ec7t \u0111\u1ec3 t\u00ecnh tr\u1ea1ng thao t\u00fang.<\/p>\n<p>Do \u0111\u00f3, c\u00e1c v\u0103n b\u1ea3n quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh lu\u1eadt c\u1ea7n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ki\u1ec3m so\u00e1t ch\u1eb7t ngu\u1ed3n ti\u1ec1n g\u00f3p v\u1ed1n c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng. Ngo\u00e0i ra, c\u00f4ng t\u00e1c thanh tra, gi\u00e1m s\u00e1t c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c t\u0103ng c\u01b0\u1eddng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1ef1c thi \u0111\u00fang.<\/p>\n<p>\u0110\u00e3 \u0111\u1ebfn l\u00fac, c\u1ea7n b\u1ea3o \u0111\u1ea3m b\u1eb1ng c\u00e1c c\u00f4ng c\u1ee5 ch\u1ebf t\u00e0i minh b\u1ea1ch h\u01a1n \u0111\u1ed1i v\u1edbi vi\u1ec7c cho c\u00e1c doanh nghi\u1ec7p &#8220;s\u00e2n sau&#8221; vay \u01b0u \u0111\u00e3i, t\u1ea1o ra s\u1ef1 b\u00ecnh \u0111\u1eb3ng trong ti\u1ebfp c\u1eadn v\u1ed1n, tr\u00e1nh t\u00ecnh tr\u1ea1ng b\u00f3p m\u00e9o c\u1ea1nh tranh, b\u1edfi v\u1ec1 l\u00e2u d\u00e0i, h\u1ec7 qu\u1ea3 ti\u00eau c\u1ef1c v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng\u00a0s\u1ebd k\u00e9o theo \u0111\u00e0 suy tho\u00e1i c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n<p><strong>Nh\u00f3m PV Chuy\u00ean \u0111\u1ec1 th\u1ecb tr\u01b0\u1eddng<\/strong><\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>Kinh<\/em><\/strong> <strong><em>t\u1ebf m\u00f4i tr\u01b0\u1eddng (Ti\u00eau \u0111i\u1ec3m) 11-3-2025:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/kinhtemoitruong.vn\/bai-toan-so-huu-cheo-trong-kiem-soat-tai-chinh-ben-vung-goc-nhin-doanh-nghiep-san-sau-ngan-hang-97120.html\">https:\/\/kinhtemoitruong.vn\/bai-toan-so-huu-cheo-trong-kiem-soat-tai-chinh-ben-vung-goc-nhin-doanh-nghiep-san-sau-ngan-hang-97120.html<\/a><\/em><\/p>\n<p><em>(<\/em><em>49\/2.093<\/em><em>)<\/em>","protected":false},"excerpt":{"rendered":"<p>B\u00e0i to\u00e1n \u201cs\u1edf h\u1eefu ch\u00e9o\u201d trong ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng: G\u00f3c nh\u00ecn doanh nghi\u1ec7p \u201cs\u00e2n sau\u201d ng\u00e2n h\u00e0ng. (KTMT) &#8211; \u0110\u1ea9y m\u1ea1nh thanh tra ng\u00e2n h\u00e0ng c\u00f3 \u201cs\u00e2n sau\u201d l\u00e0 doanh nghi\u1ec7p s\u1ebd gi\u00fap minh b\u1ea1ch h\u00f3a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng c\u1ea1nh tranh c\u00f4ng b\u1eb1ng gi\u1eefa c\u00e1c doanh [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":47005,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[34,36],"class_list":["post-47004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4.009. B\u00e0i to\u00e1n \u201cs\u1edf h\u1eefu ch\u00e9o\u201d trong ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng: G\u00f3c nh\u00ecn doanh nghi\u1ec7p \u201cs\u00e2n sau\u201d ng\u00e2n h\u00e0ng. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"B\u00e0i to\u00e1n \u201cs\u1edf h\u1eefu ch\u00e9o\u201d trong ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng | \u0110\u1ea9y m\u1ea1nh thanh tra NH c\u00f3 \u201cs\u00e2n sau\u201d l\u00e0 DN s\u1ebd gi\u00fap minh b\u1ea1ch h\u00f3a th\u1ecb tr\u01b0\u1eddng...\" \/>\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\/4-009-bai-toan-so-huu-cheo-trong-kiem-soat-tai-chinh-ben-vung-goc-nhin-doanh-nghiep-san-sau-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.009. 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