{"id":47224,"date":"2025-04-11T07:55:19","date_gmt":"2025-04-11T00:55:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=47224"},"modified":"2025-04-14T11:42:22","modified_gmt":"2025-04-14T04:42:22","slug":"4-019-thay-gi-sau-cac-thuong-vu-chuyen-giao-bat-buoc-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-019-thay-gi-sau-cac-thuong-vu-chuyen-giao-bat-buoc-ngan-hang\/","title":{"rendered":"4.019. Th\u1ea5y g\u00ec sau c\u00e1c th\u01b0\u01a1ng v\u1ee5 ‘chuy\u1ec3n giao b\u1eaft bu\u1ed9c’ ng\u00e2n h\u00e0ng?"},"content":{"rendered":"

Th\u1ea5y g\u00ec sau c\u00e1c th\u01b0\u01a1ng v\u1ee5 ‘chuy\u1ec3n giao b\u1eaft bu\u1ed9c’ ng\u00e2n h\u00e0ng?<\/strong><\/span><\/h4>\n

(TP) –\u00a0<\/em><\/strong>Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/em>\u00a0cho bi\u1ebft: “Vi\u1ec7c chuy\u1ec3n giao b\u1eaft bu\u1ed9c tr\u01b0\u1edbc m\u1eaft l\u00e0 \u0111\u1ec3 gi\u1ea3i c\u1ee9u kh\u00f3 kh\u0103n k\u00e9o d\u00e0i, gi\u1ea3i quy\u1ebft t\u00ecnh th\u1ebf bi \u0111\u00e1t, d\u1eebng ho\u00e3n, ng\u0103n ch\u1eb7n nguy c\u01a1 \u0111\u1ed5 v\u1ee1. Trong t\u01b0\u01a1ng lai, \u0111\u1ec3 ti\u1ebfn t\u1edbi \u0111\u00edch h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp hay t\u00e1i c\u1ed5 ph\u1ea7n ho\u00e1, c\u1ea7n gi\u1eef c\u1ed1 \u0111\u1ecbnh m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng m\u1eb9 con m\u1ed9t ch\u1ee7”.\u00a0<\/em><\/strong><\/p>\n

L\u1ecbch s\u1eed ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ch\u1ee9ng ki\u1ebfn nhi\u1ec1u \u0111\u1ee3t t\u00e1i c\u01a1 c\u1ea5u<\/strong><\/h5>\n
\u00d4ng Ph\u00f9ng C\u00f4ng S\u01b0\u1edfng – T\u1ed5ng bi\u00ean t\u1eadp B\u00e1o Ti\u1ec1n Phong:<\/em><\/strong><\/h5>\n

Trong b\u1ed1i c\u1ea3nh ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111ang tr\u1ea3i qua nh\u1eefng giai \u0111o\u1ea1n quan tr\u1ecdng v\u1edbi nhi\u1ec1u n\u1ed7 l\u1ef1c t\u00e1i c\u01a1 c\u1ea5u m\u1ea1nh m\u1ebd, \u0111\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 c\u00f4ng b\u1ed1 v\u00e0 ho\u00e0n t\u1ea5t chuy\u1ec3n giao b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi t\u00edch c\u1ef1c t\u00ecm ki\u1ebfm nh\u00e0 \u0111\u1ea7u t\u01b0 cho Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n (SCB), B\u00e1o Ti\u1ec1n Phong nh\u1eadn th\u1ea5y vai tr\u00f2 thi\u1ebft y\u1ebfu c\u1ee7a vi\u1ec7c t\u1ea1o ra m\u1ed9t di\u1ec5n \u0111\u00e0n chuy\u00ean s\u00e2u – n\u01a1i c\u00e1c b\u00ean li\u00ean quan c\u00f3 th\u1ec3 c\u00f9ng nhau nh\u00ecn nh\u1eadn, \u0111\u00e1nh gi\u00e1 v\u00e0 \u0111\u1ec1 xu\u1ea5t nh\u1eefng gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u cho qu\u00e1 tr\u00ecnh n\u00e0y.<\/p>\n

\"Th\u1ea5y

\u00d4ng Ph\u00f9ng C\u00f4ng S\u01b0\u1edfng – T\u1ed5ng Bi\u00ean t\u1eadp B\u00e1o Ti\u1ec1n Phong.<\/p><\/div>\n

L\u1ecbch s\u1eed ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 ch\u1ee9ng ki\u1ebfn nhi\u1ec1u \u0111\u1ee3t t\u00e1i c\u01a1 c\u1ea5u v\u1edbi nh\u1eefng th\u00e0nh c\u00f4ng v\u00e0 c\u1ea3 b\u00e0i h\u1ecdc kinh nghi\u1ec7m s\u00e2u s\u1eafc. Vi\u1ec7c nghi\u00ean c\u1ee9u, ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng nh\u1eefng ti\u1ec1n l\u1ec7 n\u00e0y l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng \u0111\u1ec3 ch\u00fang ta \u0111\u01b0a ra nh\u1eefng quy\u1ebft s\u00e1ch \u0111\u00fang \u0111\u1eafn, hi\u1ec7u qu\u1ea3 cho giai \u0111o\u1ea1n hi\u1ec7n t\u1ea1i. M\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng kh\u00f4ng ch\u1ec9 l\u00e0 gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n, m\u00e0 c\u00f2n l\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ng\u00e0y c\u00e0ng v\u1eefng m\u1ea1nh, minh b\u1ea1ch v\u00e0 \u0111\u00f3ng g\u00f3p t\u00edch c\u1ef1c v\u00e0o s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p>\n

V\u1edbi tinh th\u1ea7n \u0111\u00f3, ch\u00fang t\u00f4i k\u1ef3 v\u1ecdng H\u1ed9i th\u1ea3o\u00a0“T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao \u0111\u1ea1t hi\u1ec7u qu\u1ea3 t\u1ed1i \u0111a?”<\/em> tr\u1edf th\u00e0nh c\u1ea7u n\u1ed1i gi\u1eefa c\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch, c\u00e1c chuy\u00ean gia h\u00e0ng \u0111\u1ea7u trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

\"Th\u1ea5y

Ban t\u1ed5 ch\u1ee9c t\u1eb7ng hoa c\u00e1c \u0111\u1ea1i bi\u1ec3u, di\u1ec5n gi\u1ea3 tham d\u1ef1 h\u1ed9i th\u1ea3o.<\/p><\/div>\n

Ch\u00fang t\u00f4i tin r\u1eb1ng th\u00f4ng qua nh\u1eefng chia s\u1ebb, th\u1ea3o lu\u1eadn s\u00e2u s\u1eafc t\u1eeb c\u00e1c chuy\u00ean gia, ch\u00fang ta c\u00f3 \u0111\u01b0\u1ee3c g\u00f3c nh\u00ecn \u0111a chi\u1ec1u, ph\u00e2n t\u00edch s\u1eafc b\u00e9n v\u00e0 ki\u1ebfn ngh\u1ecb gi\u00e1 tr\u1ecb, gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u \u0111\u1ec3 t\u00ecm ra \u0111\u1ec3 t\u00ecm ra m\u00f4 h\u00ecnh t\u1ed1i \u01b0u cho c\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch nh\u1eb1m t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 minh b\u1ea1ch: \u0110\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 kh\u1eafc ph\u1ee5c h\u1eadu qu\u1ea3 t\u00e0i ch\u00ednh, gi\u00fap Nh\u00e0 n\u01b0\u1edbc thu h\u1ed3i t\u00e0i s\u1ea3n th\u1ea5t tho\u00e1t, c\u1ee7ng c\u1ed1, ph\u00e1t tri\u1ec3n ni\u1ec1m tin c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 \u0111\u1ed1i t\u00e1c qu\u1ed1c t\u1ebf v\u1ec1 n\u0103ng l\u1ef1c \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch kinh t\u1ebf t\u00e0i ch\u00ednh c\u1ee7a nh\u00e0 n\u01b0\u1edbc.<\/p>\n

11\/04\/2025 09:46<\/p>\n

Th\u01b0\u01a1ng v\u1ee5 t\u00e1i c\u01a1 c\u1ea5u 3 ng\u00e2n h\u00e0ng<\/strong><\/h5>\n
Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu – Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n to\u00e0n c\u1ea7u:<\/em><\/strong><\/h5>\n

N\u0103m 2011, Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n (SCB) \u0111\u01b0\u1ee3c ph\u00e9p th\u00e0nh l\u1eadp tr\u00ean c\u01a1 s\u1edf h\u1ee3p nh\u1ea5t t\u1ef1 nguy\u1ec7n c\u1ee7a Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n (SCB), Ng\u00e2n h\u00e0ng TMCP \u0110\u1ec7 Nh\u1ea5t (Ficombank), Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam T\u00edn Ngh\u0129a (TinNghiaBank).<\/p>\n

Sau t\u00e1i c\u01a1 c\u1ea5u, 10 n\u0103m sau t\u1ed5ng t\u00e0i s\u1ea3n SCB \u0111\u1ea1t 673.000 t\u1ef7 \u0111\u1ed3ng, v\u1ed1n \u0111i\u1ec1u l\u1ec7 h\u01a1n 20.000 t\u1ef7 \u0111\u1ed3ng t\u00ednh \u0111\u1ebfn 30\/9\/2021, v\u1edbi 239 \u0111i\u1ec3m giao d\u1ecbch, SCB c\u00f3 m\u1ea1ng l\u01b0\u1edbi ph\u1ee7 r\u1ed9ng kh\u1eafp 28 t\u1ec9nh\/th\u00e0nh c\u00f9ng \u0111\u1ed9i ng\u0169 nh\u00e2n s\u1ef1 h\u01a1n 7.000 ng\u01b0\u1eddi.<\/p>\n

\"Th\u1ea5y

Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu chia s\u1ebb v\u1ec1 th\u01b0\u01a1ng v\u1ee5 t\u00e1i c\u01a1 c\u1ea5u th\u1ea5t b\u1ea1i trong l\u1ecbch s\u1eed ng\u00e0nh ng\u00e2n h\u00e0ng t\u1ea1i h\u1ed9i th\u1ea3o.<\/p><\/div>\n

S\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd nh\u01b0ng ho\u00e0n to\u00e0n b\u1ea5t ng\u1edd khi c\u00e1c c\u01a1 quan \u0111i\u1ec1u tra ph\u00e1t hi\u1ec7n SCB \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh ph\u1ee5c v\u1ee5 b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan v\u00e0 T\u1eadp \u0111o\u00e0n V\u1ea1n Th\u1ecbnh Ph\u00e1t, \u0111\u01b0a \u0111\u1ebfn m\u1ed9t v\u1ee5 \u00e1n l\u1edbn ch\u01b0a t\u00f9ng c\u00f3 trong l\u1ecbch s\u1eed ng\u00e0nh t\u00e0i ch\u00ednh Vi\u1ec7t Nam. Vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u 3 ng\u00e2n h\u00e0ng SCB, Ficombank v\u00e0 Tin Nghia Bank \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t th\u1ea5t b\u1ea1i l\u1edbn nh\u1ea5t trong l\u1ecbch s\u1eed ng\u00e0nh NH c\u1eadn \u0111\u1ea1i.<\/p>\n

V\u1edbi 4 ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng, n\u0103m 2015 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) mua l\u1ea1i b\u1eaft bu\u1ed9c to\u00e0n b\u1ed9 c\u1ed5 ph\u1ea7n c\u1ee7a 3 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i g\u1ed3m OceanBank, X\u00e2y D\u1ef1ng, GPBank. Sau \u0111\u00f3 Ng\u00e2n h\u00e0ng \u0110\u00f4ng \u00c1 c\u0169ng \u0111\u01b0\u1ee3c NHNN mua l\u1ea1i v\u00e0 n\u1eb1m trong di\u1ec7n “ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng”.<\/p>\n

Tr\u01b0\u1edbc khi 3 ng\u00e2n h\u00e0ng n\u00e0y \u0111\u01b0\u1ee3c NHNN mua l\u1ea1i v\u1edbi gi\u00e1 0 \u0111\u1ed3ng, ch\u00ednh t\u00f4i \u0111\u00e3 \u0111\u01b0\u1ee3c m\u1eddi v\u1ec1 tham gia H\u0110QT c\u1ee7a Ocean Bank v\u00e0 sau \u0111\u00f3 tham gia ban \u0111i\u1ec1u h\u00e0nh c\u1ee7a Ng\u00e2n h\u00e0ng X\u00e2y d\u1ef1ng. Nh\u01b0ng khi t\u00f4i v\u1ec1 c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y th\u00ec t\u00ecnh th\u1ebf kh\u00f4ng c\u00f2n c\u00f3 th\u1ec3 c\u1ee9u v\u00e3n. C\u1ea3 Ocean Bank v\u00e0 NH X\u00e2y d\u1ef1ng \u0111\u00e3 l\u1ed7 l\u0169y k\u1ebf h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng v\u00ec cho vay c\u00e1c c\u00f4ng ty s\u00e2n sau, v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u0111\u00e3 \u00e2m \u0111\u1ebfn h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Nh\u01b0ng sau 10 n\u0103m (\u0111\u1ebfn n\u0103m 2024), c\u1ea3 4 ng\u00e2n h\u00e0ng v\u1eabn l\u00e0m \u0103n thua l\u1ed7 v\u00e0 kh\u00f4ng v\u1ef1c l\u1ea1i \u0111\u01b0\u1ee3c.<\/p>\n

11\/04\/2025 09:56<\/p>\n

Chuy\u1ec3n giao ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t<\/strong><\/h5>\n
Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu – Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n to\u00e0n c\u1ea7u:<\/em><\/strong><\/h5>\n

Sau khi Lu\u1eadt s\u1eeda \u0111\u1ed5i Lu\u1eadt T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ban h\u00e0nh n\u0103m 2024 th\u00ec chuy\u1ec3n giao b\u1eaft bu\u1ed9c NH th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t. C\u1ee5 th\u1ec3, NH X\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c chuy\u1ec3n giao cho Vietcombank v\u00e0 \u0111\u1ed5i t\u00ean th\u00e0nh VCBNeo; NH Oceanbank \u0111\u01b0\u1ee3c chuy\u1ec3n giao cho MBBank v\u00e0 \u0111\u1ed5i t\u00ean th\u00e0nh Modern Bank of Vietnam; GPBank \u0111\u01b0\u1ee3c giao cho VPBank th\u1ef1c hi\u1ec7n t\u00e1i c\u01a1 c\u1ea5u nh\u01b0ng h\u00ecnh nh\u01b0 ch\u01b0a \u0111\u1ed5i t\u00ean.<\/p>\n

\u0110\u00f4ng \u00c1 Bank \u0111\u01b0\u1ee3c chuy\u1ec3n giao cho HDBank v\u00e0 \u0111\u1ed5i t\u00ean th\u00e0nh Vikki Bank Ngo\u00e0i 4 NH 0 \u0111\u1ed3ng, c\u00f2n SCB \u0111ang n\u1eb1m trong di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t. Hi\u1ec7n nay, 4 NH \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n giao \u0111ang ho\u1ea1t \u0111\u1ed9ng ra sao, t\u00f4i ch\u01b0a c\u00f3 tin t\u1ee9c c\u1ee5 th\u1ec3, ch\u1ec9 bi\u1ebft h\u1ecd \u0111\u00e3 \u0111\u1ed5i t\u00ean, th\u01b0\u01a1ng hi\u1ec7u m\u1edbi, \u0111\u1ecbnh h\u01b0\u1edbng m\u1edbi, phong c\u00e1ch ph\u1ee5c v\u1ee5 m\u1edbi v\u1edbi k\u1ef9 thu\u1eadt s\u1ed1, ch\u1ee7 y\u1ebfu ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 c\u00e1c doanh nghi\u1ec7p nh\u1ecf.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu th\u00f4ng tin v\u1ec1 vi\u1ec7c m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng t\u1ea1i M\u1ef9.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u1ede M\u1ef9, vi\u1ec7c m\u1edf t\u1ee5c ph\u00e1 s\u1ea3n NH l\u00e0 chuy\u1ec7n th\u01b0\u1eddng xuy\u00ean. Vi\u1ec7c s\u00e1p nh\u1eadp v\u00e0 t\u00e1i c\u01a1 c\u1ea5u c\u00e1c NH ho\u1ea1t \u0111\u1ed9ng t\u1ea1i M\u1ef9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u01b0\u1edbi s\u1ef1 quan s\u00e1t v\u00e0 ki\u1ec3m so\u00e1t c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd li\u00ean bang v\u00e0 ti\u1ec3u bang. Trong \u0111\u00f3, bao g\u1ed3m FED, FDIC, OCC (C\u01a1 quan t\u1ed5ng ki\u1ec3m so\u00e1t ti\u1ec1n t\u1ec7), c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh ti\u1ec3u bang.<\/p>\n

Vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u m\u1ed9t ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m t\u1ea1i M\u1ef9 th\u01b0\u1eddng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua m\u1ed9t qu\u00e1 tr\u00ecnh sau: Khi thanh tra m\u1ed9t NH v\u00e0 x\u00e1c nh\u1eadn h\u1ec7 s\u1ed1 CAR c\u1ee7a NH n\u00e0y t\u1ee5t d\u01b0\u1edbi m\u1ee9c 3% th\u00ec c\u00e1c c\u01a1 quan thanh tra s\u1ebd ph\u00e1t h\u00e0nh l\u1ec7nh C&D (Cease and desist order) v\u00e0 cho NH m\u1ed9t th\u1eddi gian kho\u1ea3ng 3-6 th\u00e1ng \u0111\u1ec3 b\u1ed5 sung v\u1ed1n. Sau th\u1eddi gian n\u00e0y n\u1ebfu v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed5 sung \u0111\u1ebfn m\u1ee9c 8% CAR th\u00ec FDIC s\u1ebd chu\u1ea9n b\u1ecb ti\u1ebfp qu\u1ea3n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o. Sau khi ti\u1ebfp qu\u1ea3n, FDIC s\u1ebd b\u00e1n NH n\u00e0y cho m\u1ed9t NH kh\u00e1c n\u1ebfu c\u00f3 NH mu\u1ed1n mua to\u00e0n ph\u1ea7n ho\u1eb7c t\u1eebng ph\u1ea7n. N\u1ebfu kh\u00f4ng c\u00f3 ai mua, FDIC s\u1ebd ra t\u00f2a xin m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n.<\/p>\n

Vi\u1ec7c m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n NH l\u00e0 chuy\u1ec7n th\u01b0\u1eddng xuy\u00ean \u1edf M\u1ef9 \u0111\u1ec3 lo\u1ea1i b\u1ecf nh\u1eefng ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m. Trong n\u0103m 2023, ba ng\u00e2n h\u00e0ng Silicon Valley Bank (SVB), Silvergate Bank v\u00e0 Signature Bank (SB) tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n.<\/p>\n

11\/04\/2025 10:13<\/p>\n

“Chuy\u1ec3n giao b\u1eaft bu\u1ed9c \u0111\u00e3 c\u00f3 trong lu\u1eadt”<\/strong><\/h5>\n

– \u00d4ng c\u00f3 th\u1ec3 cho bi\u1ebft c\u01a1 s\u1edf ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d \u0111\u1ec3 c\u01a1 c\u1ea5u l\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i?<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/em>, <\/em><\/strong>Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em><\/strong>:<\/em><\/strong><\/h5>\n

\u201cChuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d \u0111\u1ec3 c\u01a1 c\u1ea5u l\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m \u0111\u00e3 c\u00f3 trong Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng t\u1eeb n\u0103m 2017. Tuy nhi\u00ean, cu\u1ed1i n\u0103m 2024 m\u1edbi \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng l\u1ea7n \u0111\u1ea7u ti\u00ean tr\u00ean th\u1ef1c t\u1ebf. C\u00f3 kh\u00e1 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd chung quanh vi\u1ec7c h\u00ecnh th\u00e0nh, th\u1ef1c hi\u1ec7n v\u00e0 l\u00fd gi\u1ea3i v\u1ec1 m\u00f4 h\u00ecnh n\u00e0y.<\/em><\/p>\n

Theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997 v\u00e0 2010 tr\u01b0\u1edbc kia, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i trong n\u01b0\u1edbc ch\u1ec9 \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c d\u01b0\u1edbi m\u00f4 h\u00ecnh c\u00f4ng ty c\u1ed5 ph\u1ea7n, kh\u00f4ng t\u1ed5 ch\u1ee9c d\u01b0\u1edbi m\u00f4 h\u00ecnh c\u00f4ng ty tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n, ngo\u1ea1i tr\u1eeb ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc.<\/em><\/p>\n

\"Th\u1ea5y

Lu\u1eadt s\u01b0\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.<\/p><\/div>\n

T\u1eeb ng\u00e0y 5\/3 \u0111\u1ebfn 7\/7\/2015, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 li\u00ean ti\u1ebfp mua 3 ng\u00e2n h\u00e0ng v\u1edbi gi\u00e1 0 \u0111\u1ed3ng, bao g\u1ed3m Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Ng\u00e2n h\u00e0ng TMCP X\u00e2y d\u1ef1ng Vi\u1ec7t Nam (VNCB), Ng\u00e2n h\u00e0ng TMCP \u0110\u1ea1i D\u01b0\u01a1ng (Ocean Bank) v\u00e0 Ng\u00e2n h\u00e0ng TMCP D\u1ea7u kh\u00ed To\u00e0n c\u1ea7u (G.P Bank).<\/p>\n

Trong giai \u0111o\u1ea1n \u0111\u00f3, vi\u1ec7c mua ng\u00e2n h\u00e0ng v\u1edbi gi\u00e1 0 \u0111\u1ed3ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 mua c\u1ed5 ph\u1ea7n b\u1eaft bu\u1ed9c, kh\u00f4ng b\u1ea3o \u0111\u1ea3m v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u00e0 kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c l\u00e0 mua c\u1ee7a ai. Tuy nhi\u00ean, vi\u1ec7c \u201cmua c\u1ed5 ph\u1ea7n b\u1eaft bu\u1ed9c\u201d theo c\u00e1c quy\u1ebft \u0111\u1ecbnh tr\u00ean ch\u00ednh l\u00e0 ti\u1ec1n \u0111\u1ec1, l\u00e0 \u201cphi\u00ean b\u1ea3n\u201d \u0111\u1ea7u ti\u00ean c\u1ee7a m\u00f4 h\u00ecnh \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d.<\/p>\n

– Nguy\u00ean nh\u00e2n ra \u0111\u1eddi m\u00f4 h\u00ecnh \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d?<\/em><\/p>\n

\u00d4ng <\/em><\/strong>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a>:<\/em><\/strong>\u00a0Khi ng\u00e2n h\u00e0ng r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng kh\u00f4ng b\u1ea3o \u0111\u1ea3m c\u00e1c y\u00eau c\u1ea7u v\u1ec1 an to\u00e0n v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng th\u00ec c\u00f3 th\u1ec3 b\u1ecb \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p \u201ccan thi\u1ec7p s\u1edbm\u201d. N\u1ebfu sau khi \u0111\u00e3 \u0111\u01b0\u1ee3c \u201ccan thi\u1ec7p s\u1edbm\u201d m\u00e0 v\u1eabn kh\u00f4ng kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c th\u00ec s\u1ebd b\u1ecb \u0111\u1eb7t v\u1ea3o t\u00ecnh tr\u1ea1ng \u201cki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t\u201d. Sau m\u1ed9t th\u1eddi gian \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t m\u00e0 v\u1eabn kh\u00f4ng kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c th\u00ec s\u1ebd b\u1ecb ph\u00e1 s\u1ea3n ho\u1eb7c \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d.<\/em><\/h5>\n

11\/04\/2025 10:29<\/p>\n

\u0110\u1ec3 t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng v\u1ed1n ph\u1ea3i \u0111\u1ea3m b\u1ea3o 3.000 t\u1ef7 \u0111\u1ed3ng<\/strong><\/h5>\n

Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu:\u00a0<\/em><\/strong>T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng tr\u00ean c\u01a1 s\u1edf ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n giao b\u1eaft bu\u1ed9c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ee7a Lu\u1eadt s\u1eeda \u0111\u1ed5i Lu\u1eadt t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024, c\u00f3 4 ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n giao g\u1ed3m CBBank, OceanBank, GPBank v\u00e0 DongABank.<\/p>\n

Theo \u0110i\u1ec1u 185 c\u1ee7a Lu\u1eadt t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024, c\u00e1c \u0111i\u1ec3m trong quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean nh\u1eadn chuy\u1ec3n giao nh\u01b0 s\u1edf h\u1eefu 100% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c chuy\u1ec3n giao b\u1eaft bu\u1ed9c, Kh\u00f4ng ph\u1ea3i h\u1ee3p nh\u1ea5t b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c chuy\u1ec3n giao b\u1eaft bu\u1ed9c, \u0111\u01b0\u1ee3c lo\u1ea1i tr\u1eeb ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c chuy\u1ec3n giao b\u1eaft bu\u1ed9c khi t\u00ednh t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n h\u1ee3p nh\u1ea5t.<\/p>\n

\"\"

Quang c\u1ea3nh cu\u1ed9c t\u1ecda \u0111\u00e0m.<\/p><\/div>\n

\u0110\u1ec3 vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng th\u00f4ng qua ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n giao c\u00f3 hi\u1ec7u qu\u1ea3, Ti\u1ebfn s\u0129 Hi\u1ebfu cho r\u1eb1ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c t\u00e1i c\u01a1 c\u1ea5u ph\u1ea3i \u0111\u1ea3m b\u1ea3o 3.000 t\u1ef7 \u0111\u1ed3ng, ng\u00e2n h\u00e0ng m\u1eb9 ph\u1ea3i b\u1ea3o l\u00e3nh ti\u1ec1n kh\u00e1ch h\u00e0ng g\u1eedi t\u1eeb ng\u00e2n h\u00e0ng con.<\/p>\n

Quy\u1ec1n c\u1ee7a c\u1ed5 \u0111\u00f4ng trong quy\u1ebft \u0111inh s\u00e1p nh\u1eadp v\u00e0 theo d\u00f5i ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c s\u00e1p nh\u1eadp. S\u1ef1 quy\u1ebft t\u00e2m v\u00e0 nh\u1ea5t tr\u00ed c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng c\u1ee7a ng\u00e2n h\u00e0ng m\u1eb9 trong vi\u1ec7c h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c s\u00e1p nh\u1eadp. Quy\u1ec1n c\u1ee7a \u0111\u1ea1i ch\u00fang nh\u1eadn th\u00f4ng tin \u0111\u1ecbnh k\u1ef3 v\u1ec1 t\u00ecnh h\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c s\u00e1p nh\u1eadp v\u00e0 vai tr\u00f2 c\u1ee7a C\u00f4ng ty B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi qu\u1ed1c gia trong s\u1ef1 gi\u00e1m s\u00e1t c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c s\u00e1p nh\u1eadp.<\/p>\n

11\/04\/2025 10:37<\/p>\n

B\u1ea3n ch\u1ea5t chuy\u1ec3n giao b\u1eaft bu\u1ed9c 4 ng\u00e2n h\u00e0ng m\u1edbi nh\u1ea5t<\/strong><\/h5>\n
Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a>:<\/em><\/strong><\/h5>\n

V\u1edbi qu\u00e1 tr\u00ecnh \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d \u0111\u1ed1i v\u1edbi 4 ng\u00e2n h\u00e0ng OceanBank, CB, GPBank, DongA Bank, c\u00e1c ng\u00e2n h\u00e0ng tr\u00ean \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c d\u01b0\u1edbi m\u00f4 h\u00ecnh c\u00f4ng ty TNHH m\u1ed9t th\u00e0nh vi\u00ean v\u00e0 100% v\u1ed1n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a 4 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n. X\u00e9t v\u1ec1 b\u1ea3n ch\u1ea5t, b\u1ed1n ng\u00e2n h\u00e0ng b\u1ecb \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d l\u1ea7n th\u1ee9 hai.<\/em><\/p>\n

\"\"

Lu\u1eadt s\u01b0\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c.<\/p><\/div>\n

L\u00fd do d\u1eabn \u0111\u1ebfn ng\u00e2n h\u00e0ng b\u1ecb \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d l\u00e0 c\u00f3 l\u1ed7 l\u0169y k\u1ebf l\u1edbn h\u01a1n 100% gi\u00e1 tr\u1ecb v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u00e0 c\u00e1c qu\u1ef9 d\u1ef1 tr\u1eef, t\u1ee9c th\u1ecb gi\u00e1 c\u1ed5 phi\u1ebfu c\u00f3 th\u1ec3 l\u00e0 0 \u0111\u1ed3ng (c\u1ed5 \u0111\u00f4ng kh\u00f4ng b\u00e1n \u0111\u01b0\u1ee3c).<\/em><\/p>\n

Tuy nhi\u00ean, v\u1ec1 ph\u00e1p l\u00fd, v\u1ed1n \u0111i\u1ec1u l\u1ec7 kh\u00f4ng bao gi\u1edd l\u00e0 s\u1ed1 \u00e2m (c\u1ed5 \u0111\u00f4ng ph\u1ea3i b\u1ecf th\u00eam ti\u1ec1n ra m\u1edbi b\u00e1n \u0111\u01b0\u1ee3c). Gi\u00e1 tr\u1ecb ng\u00e2n h\u00e0ng tr\u00ean th\u1ef1c t\u1ebf ch\u01b0a ch\u1ea5m d\u1ee9t c\u00f3 th\u1ec3 l\u00e0 r\u1ea5t th\u1ea5p, nh\u01b0ng c\u0169ng v\u1ec1 ph\u00e1p l\u00fd, t\u1ed1i thi\u1ec3u c\u0169ng ph\u1ea3i b\u1eb1ng m\u1ed9t \u0111\u01a1n v\u1ecb ti\u1ec1n t\u1ec7, t\u1ee9c l\u00e0 m\u1ed9t \u0111\u1ed3ng, ch\u1ee9 kh\u00f4ng th\u1ec3 l\u00e0 s\u1ed1 0 v\u00e0 c\u00e0ng kh\u00f4ng th\u1ec3 l\u00e0 s\u1ed1 \u00e2m.<\/em><\/p>\n

Tr\u00ean s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n, s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1ed1i thi\u1ec3u c\u0169ng nh\u01b0 t\u1ed5ng m\u1ec7nh gi\u00e1 c\u1ed5 phi\u1ebfu t\u1ed1i thi\u1ec3u c\u0169ng v\u1eabn b\u1eb1ng m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh 3.000 t\u1ef7 \u0111\u1ed3ng. M\u1ecdi c\u1ed5 \u0111\u00f4ng ng\u00e2n h\u00e0ng v\u1eabn gi\u1eef nguy\u00ean t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u00e0 c\u1ed5 phi\u1ebfu. C\u00e1c c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng c\u0169ng v\u1eabn c\u00f2n nguy\u00ean gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd v\u00e0 kh\u00f4ng b\u1ecb h\u1ee7y b\u1ecf.<\/em><\/p>\n

Vi\u1ec7c chuy\u1ec3n giao b\u1eaft bu\u1ed9c tr\u01b0\u1edbc m\u1eaft l\u00e0 \u0111\u1ec3 gi\u1ea3i c\u1ee9u kh\u00f3 kh\u0103n k\u00e9o d\u00e0i, gi\u1ea3i quy\u1ebft t\u00ecnh th\u1ebf bi \u0111\u00e1t, d\u1eebng ho\u00e3n, ng\u0103n ch\u1eb7n nguy c\u01a1 \u0111\u1ed5 v\u1ee1. Trong t\u01b0\u01a1ng lai, \u0111\u1ec3 ti\u1ebfn t\u1edbi \u0111\u00edch h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp hay t\u00e1i c\u1ed5 ph\u1ea7n ho\u00e1, c\u1ea7n gi\u1eef c\u1ed1 \u0111\u1ecbnh m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng m\u1eb9 con m\u1ed9t ch\u1ee7. T\u1ed1t nh\u1ea5t l\u00e0 kh\u00f4ng n\u00ean ti\u1ebfp t\u1ee5c chuy\u1ec3n giao b\u1eaft bu\u1ed9c ng\u00e2n h\u00e0ng.<\/em><\/p>\n

11\/04\/2025 11:03<\/p>\n

Thu\u1eadt ng\u1eef \u201cng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng\u201d \u0111ang b\u1ecb l\u1ea1m d\u1ee5ng<\/strong><\/h5>\n
PGS, TS. Nguy\u1ec5n \u0110\u1ee9c Trung – Hi\u1ec7u tr\u01b0\u1edfng Tr\u01b0\u1eddng \u0110H Ng\u00e2n h\u00e0ng TPHCM:<\/em><\/strong><\/h5>\n

Thu\u1eadt ng\u1eef \u201cNg\u00e2n h\u00e0ng 0 \u0111\u1ed3ng\u201d \u0111ang b\u1ecb l\u1ea1m d\u1ee5ng. Th\u1ef1c ch\u1ea5t, v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt kh\u00f4ng \u0111\u1ec1 c\u1eadp kh\u00e1i ni\u1ec7m tr\u00ean.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
PGS, TS. Nguy\u1ec5n \u0110\u1ee9c Trung.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00e2u chuy\u1ec7n 0 \u0111\u1ed3ng l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c t\u00e1i c\u01a1 c\u1ea5u 2 n\u0103m nh\u01b0ng kh\u00f4ng \u0111\u1ee7 s\u1ee9c v\u1ef1c d\u1eady, bu\u1ed9c ph\u1ea3i x\u1eed l\u00fd. Ng\u00e2n h\u00e0ng c\u1ee7a M\u1ef9, Trung Qu\u1ed1c th\u1ef1c hi\u1ec7n nh\u1eefng vi\u1ec7c t\u01b0\u01a1ng t\u1ef1. M\u1ee5c \u0111\u00edch c\u01a1 b\u1ea3n l\u00e0 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, c\u00f3 ng\u01b0\u1eddi \u0111\u1ee9ng ra nh\u1eadn tr\u00e1ch nhi\u1ec7m n\u1ebfu ng\u01b0\u1eddi g\u1eedi mu\u1ed1n r\u00fat ti\u1ec1n, kh\u00f4ng ch\u1ec9 \u1edf vi\u1ec7c gi\u00fap ng\u00e2n h\u00e0ng t\u1eeb y\u1ebfu k\u00e9m m\u1ea1nh l\u00ean l\u1eadp t\u1ee9c.<\/p>\n

– \u00d4ng b\u00ecnh lu\u1eadn g\u00ec v\u1ec1 quan \u0111i\u1ec3m t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng kh\u00f4ng th\u00e0nh c\u00f4ng?<\/em><\/p>\n

PGS, TS. Nguy\u1ec5n \u0110\u1ee9c Trung:<\/em><\/strong>\u00a0Th\u00e0nh c\u00f4ng l\u00e0 b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, tr\u00e1i l\u1ea1i g\u00e2y nhi\u1ec5u lo\u1ea1n x\u00e3 h\u1ed9i. \u0110\u1eb7t tr\u01b0\u1eddng h\u1ee3p v\u1eeba kh\u1ecfi s\u1ed1t xu\u1ea5t huy\u1ebft, kh\u00f4ng ai ch\u1ea1y \u0111\u01b0\u1ee3c \u0111\u01b0\u1eddng d\u00e0i. N\u1ebfu \u0111ang y\u1ebfu m\u00e0 ph\u1ee5c h\u1ed3i ngay th\u00ec r\u1ea5t kh\u00f3. \u0110\u1ea5y l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3.<\/p>\n

11\/04\/2025 11:15<\/p>\n

Nguy\u00ean nh\u00e2n ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f4\u0309 ph\u00e2\u0300n r\u01a1i va\u0300o ti\u0300nh tra\u0323ng y\u00ea\u0301u ke\u0301m<\/strong><\/h5>\n
\u00d4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh – Gi\u1ea3ng vi\u00ean ch\u00ednh s\u00e1ch c\u00f4ng, \u0110\u1ea1i h\u1ecdc Fulbright Vi\u1ec7t Nam:<\/em><\/strong><\/h5>\n

Quy m\u00f4 khu v\u1ef1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) hi\u1ec7n c\u00f3 35 ng\u00e2n h\u00e0ng, trong \u0111\u00f3 c\u00f3 5 ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng, y\u1ebfu k\u00e9m v\u00e0 \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t. Nhi\u1ec1u ng\u00e2n h\u00e0ng t\u1ed1t cho c\u1ea1nh tranh, t\u1ed1t cho doanh nghi\u1ec7p ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng, t\u1ed1t cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n; tuy nhi\u00ean c\u0169ng r\u1ea5t th\u00e1ch th\u1ee9c cho vi\u1ec7c qu\u1ea3n l\u00fd, \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng an to\u00e0n b\u1edfi trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng th\u00ec r\u1ee7i ro, th\u1ea5t b\u1ea1i th\u1ecb tr\u01b0\u1eddng r\u1ea5t l\u1edbn.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
\u00d4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh – Gi\u1ea3ng vi\u00ean ch\u00ednh s\u00e1ch c\u00f4ng, \u0110\u1ea1i h\u1ecdc Fulbright Vi\u1ec7t Nam.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u00ednh t\u1eeb n\u0103m 2010, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u00f3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng b\u00f9ng n\u1ed5, th\u1eadm ch\u00ed c\u00f3 ng\u00e2n h\u00e0ng t\u0103ng tr\u01b0\u1edfng t\u1eeb 10-15 l\u1ea7n trong 15 n\u0103m. Vi\u1ec7c n\u00e0y t\u1ea1o ra th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi vi\u1ec7c qu\u1ea3n l\u00fd nh\u01b0ng \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 c\u01a1 h\u1ed9i, l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 ch\u00fang ta t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng.<\/p>\n

Nh\u00ecn v\u00e0o l\u1ecbch s\u1eed t\u00e1i c\u01a1 c\u1ea5u nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i y\u1ebfu k\u00e9m t\u1eeb n\u0103m 2011 \u0111\u1ebfn nay, c\u00f3 c\u00e1c h\u00ecnh th\u1ee9c t\u00e1i c\u01a1 c\u1ea5u nh\u01b0: S\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t, tham gia c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1edbi, chuy\u1ec3n giao b\u1eaft bu\u1ed9c.<\/p>\n

Nguy\u00ean nh\u00e2n l\u00e0m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng y\u1ebfu k\u00e9m: Ng\u00e2n h\u00e0ng b\u1ecb thao t\u00fang b\u1edfi m\u1ed9t nh\u00f3m c\u1ed5 \u0111\u00f4ng n\u1eafm t\u1ef7 l\u1ec7 s\u1edf h\u1eefu l\u1edbn \u0111\u1ec3 t\u1ea1o s\u1ef1 ki\u1ec3m so\u00e1t chi ph\u1ed1i th\u00f4ng qua c\u1ea5u tr\u00fac s\u1edf h\u1eefu ch\u00e9o. C\u01a1 c\u1ea5u s\u1edf h\u1eefu ch\u00e9o gi\u00fap v\u00f4 hi\u1ec7u h\u00f3a c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng an to\u00e0n. Ng\u00e2n h\u00e0ng c\u1ea5p t\u00edn d\u1ee5ng cho c\u00e1c doanh nghi\u1ec7p v\u00e0 d\u1ef1 \u00e1n trong \u201ch\u1ec7 sinh th\u00e1i\u201d kh\u00f4ng c\u00f3 hi\u1ec7u qu\u1ea3 v\u00e0 t\u00edn d\u1ee5ng tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u. T\u1eeb \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m ph\u1ea3i t\u00e1i c\u01a1 c\u1ea5u (h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp).<\/p>\n

C\u00e1c b\u00e0i h\u1ecdc ch\u00ednh s\u00e1ch trong t\u00e1i c\u01a1 c\u1ea5u NHTM g\u1ed3m:<\/h5>\n

Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng \u0111\u00f3ng vai tr\u00f2 \u201cng\u01b0\u1eddi cho vay cu\u1ed1i c\u00f9ng\u201d \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o thanh kho\u1ea3n v\u00e0 ng\u0103n ch\u1eb7n r\u1ee7i ro \u0111\u1ed5 v\u1ee1 mang t\u00ednh h\u1ec7 th\u1ed1ng. T\u00e1i c\u01a1 c\u1ea5u ph\u1ea3i d\u00f9ng ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh th\u1ef1c (t\u1eeb nh\u00e0 n\u01b0\u1edbc v\u00e0\/ hay t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 t\u01b0 nh\u00e2n m\u1edbi).<\/em><\/p>\n

T\u00e1i c\u01a1 c\u1ea5u ph\u1ea3i \u0111i c\u00f9ng v\u1edbi thay \u0111\u1ed5i c\u1ea5u tr\u00fac s\u1edf h\u1eefu theo h\u01b0\u1edbng gi\u1ea3m s\u1edf h\u1eefu ch\u00e9o.<\/em><\/p>\n

C\u1ea7n m\u1ed9t h\u1ec7 th\u1ed1ng thanh tra\/ gi\u00e1m s\u00e1t mang t\u00ednh h\u1ee3p nh\u1ea5t cao h\u01a1n \u0111\u1ec3 ph\u00e1t hi\u1ec7n v\u00e0 ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi kh\u00f4ng tu\u00e2n th\u1ee7 tr\u00ean c\u1ea3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 ch\u1ee9ng kho\u00e1n (t\u1ee9c l\u00e0 tr\u00ean c\u1ea3 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 v\u00e0 th\u1ecb tr\u01b0\u1eddng v\u1ed1n).<\/em><\/p>\n

11\/04\/2025 11:19<\/p>\n

C\u1ea7n xem x\u00e9t \u1edf nhi\u1ec1u g\u00f3c \u0111\u1ed9<\/strong><\/h5>\n

– Ti\u00eau ch\u00ed \u0111\u00e1nh gi\u00e1 ph\u00e2n lo\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m l\u00e0 g\u00ec? \u00d4ng \u0111\u00e1nh gi\u00e1 nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a ti\u00eau ch\u00ed gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o? \u1ea2nh h\u01b0\u1edfng c\u1ee7a n\u00f3 v\u1edbi s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng?<\/em><\/p>\n

PGS, TS. Nguy\u1ec5n \u0110\u1ee9c Trung – Hi\u1ec7u tr\u01b0\u1edfng tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Ng\u00e2n h\u00e0ng TPHCM:<\/em><\/strong><\/h5>\n

Vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng th\u00e0nh c\u00f4ng hay kh\u00f4ng trong 10 n\u0103m qua c\u1ea7n xem x\u00e9t \u1edf nhi\u1ec1u g\u00f3c \u0111\u1ed9. Theo t\u00f4i, khi t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, kh\u00f4ng c\u00f3 cu\u1ed9c xung \u0111\u1ed9t n\u00e0o v\u1edbi ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. \u0110i\u1ec1u \u0111\u00f3 ch\u1ee9ng t\u1ecf vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng \u0111\u00e3 th\u00e0nh c\u00f4ng.<\/p>\n

11\/04\/2025 11:32<\/p>\n

Nhi\u1ec1u b\u0103n kho\u0103n v\u1ec1 h\u00e0nh lang ph\u00e1p l\u00fd<\/strong><\/h5>\n
Nh\u00e0 b\u00e1o Ph\u00f9ng C\u00f4ng S\u01b0\u1edfng<\/em><\/strong>:<\/strong><\/h5>\n

Qua c\u00e1c b\u00e1o c\u00e1o tham lu\u1eadn, t\u00f4i th\u1ea5y c\u00f2n r\u1ea5t nhi\u1ec1u \u0111i\u1ec1u b\u0103n kho\u0103n v\u1ec1 h\u00e0nh lang ph\u00e1p l\u00fd trong vi\u1ec7c c\u01a1 c\u1ea5u c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u0110\u00e2y l\u00e0 cu\u1ed9c h\u1ed9i th\u1ea3o n\u00ean ch\u00fang ta hoan h\u1ec9 ti\u1ebfp nh\u1eadn c\u00e1c \u00fd ki\u1ebfn kh\u00e1c nhau b\u1edfi v\u00ec ch\u00e2n l\u00fd l\u00e0 qu\u00e1 tr\u00ecnh va \u0111\u1eadp \u0111\u1ec3 \u0111i t\u00ecm ra v\u00e0 kh\u00f4ng ai c\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh l\u00e0 m\u00ecnh \u0111\u00fang.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
Nh\u00e0 b\u00e1o Ph\u00f9ng C\u00f4ng S\u01b0\u1edfng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

H\u1ed9i th\u1ea3o c\u1ee7a ch\u00fang ta \u0111\u01b0a ra c\u00e1c v\u1ea5n \u0111\u1ec1 mang t\u00ednh c\u1edfi m\u1edf n\u00ean mong nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c \u00fd ki\u1ebfn tr\u00ean tinh th\u1ea7n x\u00e2y d\u1ef1ng. Room t\u00edn d\u1ee5ng c\u1ee7a ch\u00fang ta n\u0103m 2025 t\u1ed1i \u0111a l\u00e0 16%, l\u00fac \u0111\u1ea7u t\u00f4i c\u00f3 suy ngh\u0129 r\u1eb1ng \u0111\u00e2y l\u00e0 m\u1ed9t m\u1ec7nh l\u1ec7nh h\u00e0nh ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, tuy nhi\u00ean qua chia s\u1ebb c\u1ee7a c\u00e1c chuy\u00ean gia th\u00ec t\u00f4i th\u1ea5y r\u1eb1ng v\u1ea5n \u0111\u1ec1 tr\u00ean \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n b\u1eb1ng c\u00e1c thu\u1eadt to\u00e1n khoa h\u1ecdc kh\u00e1ch quan \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o l\u00e0 v\u1eeba ph\u00e1t tri\u1ec3n \u0111\u1ee7 c\u00e1i t\u00edn d\u1ee5ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n v\u1eeba ki\u1ec1m ch\u1ebf l\u1ea1m ph\u00e1t.<\/p>\n

Nh\u1eefng c\u1ed5 \u0111\u00f4ng c\u00f3 quy\u1ec1n chi ph\u1ed1i quy\u1ec1n ki\u1ec3m so\u00e1t th\u00ec ph\u1ea3i c\u00f3 m\u1ed9t l\u00e0 n\u0103ng l\u1ef1c, th\u1ee9 hai ph\u1ea3i r\u1ea5t l\u00e0 c\u00f3 t\u00e2m n\u1ebfu kh\u00f4ng s\u1ebd d\u1eabn \u0111\u1ebfn s\u1ef1 b\u1ea5t \u1ed5n.<\/p>\n

11\/04\/2025 11:50<\/p>\n

B\u1ea3n ch\u1ea5t c\u1ee7a chuy\u1ec3n giao l\u00e0 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n<\/strong><\/h5>\n

– C\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a ng\u00e2n h\u00e0ng m\u1eb9 \u0111\u1ec3 nh\u1eadn chuy\u1ec3n giao b\u1eaft bu\u1ed9c th\u00e0nh c\u00f4ng, nh\u01b0ng lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (c\u00f3 th\u1ec3 l\u00e0 doanh nghi\u1ec7p, ph\u00e1p nh\u00e2n kh\u00e1c) \u0111\u01b0\u1ee3c nh\u1eadn chuy\u1ec3n giao b\u1eaft bu\u1ed9c m\u1ed9t ng\u00e2n h\u00e0ng. M\u1eddi c\u00e1c \u0111\u1ea1i bi\u1ec3u tranh lu\u1eadn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y!<\/em><\/p>\n

Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu – Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n to\u00e0n c\u1ea7u:<\/em><\/strong><\/h5>\n

Chuy\u1ec3n giao b\u1eaft bu\u1ed9c kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea3i ph\u00e1p. Th\u1ef1c ch\u1ea5t, Vi\u1ec7t Nam \u0111\u00e3 chuy\u1ec3n giao b\u1eaft bu\u1ed9c c\u00e1ch \u0111\u00e2y 10 n\u0103m, ng\u00f4n ng\u1eef d\u00e2n gian l\u00e0 mua ng\u00e2n h\u00e0ng v\u1edbi gi\u00e1 0 \u0111\u1ed3ng. \u201cL\u1ea7n th\u1ee9 2 l\u1ea1i chuy\u1ec3n giao b\u1eaft bu\u1ed9c, nh\u01b0ng ch\u00fang ta kh\u00f4ng c\u00f3 th\u00f4ng tin g\u00ec v\u1ec1 c\u00e1c ng\u00e2n h\u00e0ng m\u1edbi, h\u1ecd l\u00e0m \u0103n ra sao, v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a h\u1ecd nh\u01b0 th\u1ebf n\u00e0o… Kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c chuy\u1ec3n giao s\u1ebd c\u00f3 s\u1ef1 r\u1ee7i ro r\u1ea5t l\u1edbn, ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng \u0111ang \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi qu\u1ed1c gia b\u1ea3o hi\u1ec3m nh\u01b0ng \u1edf m\u1ee9c r\u1ea5t th\u1ea5p.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ec1 ngh\u1ecb ng\u00e2n h\u00e0ng m\u1eb9 n\u00ean b\u1ea3o l\u00e3nh t\u1ea5t c\u1ea3 ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng con. Khi \u0111\u00f3, kh\u00e1ch h\u00e0ng s\u1ebd y\u00ean t\u00e2m v\u00ec ti\u1ec1n g\u1eedi c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o. Song song \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i minh b\u1ea1ch th\u00f4ng tin v\u1ec1 t\u00ecnh h\u00ecnh \u201cs\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh\u201d c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng tr\u00ean website.<\/p>\n

V\u1ec1 nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng, v\u1ea5n \u0111\u1ec1 l\u1ee3i \u00edch nh\u00f3m l\u00e0 t\u00e1c \u0111\u1ed9ng l\u1edbn lao nh\u1ea5t, nh\u1ea5t l\u00e0 nh\u00f3m l\u1ee3i \u00edch b\u1ea5t \u0111\u1ed9ng s\u1ea3n, d\u00f9 nh\u00f3m n\u00e0y c\u00f3 n\u0103ng l\u1ef1c nhi\u1ec1u nh\u1ea5t. H\u1ea7u h\u1ebft v\u1ee5 \u00e1n li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec1u li\u00ean quan \u0111\u1ebfn b\u1ea5t \u0111\u1ed9ng s\u1ea3n. B\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1o n\u00ean nhi\u1ec1u h\u1ec7 l\u1ee5y trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

C\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n theo d\u00f5i, ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n nh\u00f3m l\u1ee3i \u00edch b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Trong qu\u00e1 kh\u1ee9, t\u1eeb V\u1ea1n Th\u1ecbnh Ph\u00e1t, T\u00e2n Ho\u00e0ng Minh\u2026 cho th\u1ea5y b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1o n\u00ean r\u1ea5t nhi\u1ec1u h\u1ec7 l\u1ee5y. C\u1ed5 \u0111\u00f4ng l\u1edbn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 \u0111\u1ea1i gia b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a>:\u00a0<\/em><\/strong>B\u1ea3n ch\u1ea5t c\u1ee7a chuy\u1ec3n giao l\u00e0 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n<\/em><\/h5>\n
\"\"

Lu\u1eadt s\u01b0\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c.<\/p><\/div>\n

T\u00f4i kh\u1eb3ng \u0111\u1ecbnh, ti\u00eau chu\u1ea9n nh\u00e2n s\u1ef1 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111\u1ec1u \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u1ea3 b\u1eb1ng c\u1ea5p, kinh nghi\u1ec7m, \u0111\u1ea1o \u0111\u1ee9c. V\u1ec1 vi\u1ec7c b\u00e1o c\u00e1o c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng n\u1ebfu ch\u1eadm tr\u1ec5 l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd.<\/em><\/p>\n

B\u1ea3n ch\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng mua l\u00e0 \u0111\u00fang nh\u01b0ng b\u1eaft bu\u1ed9c l\u00e0 c\u00f3 v\u1ea5n \u0111\u1ec1. Mua l\u00e0 ph\u00e1p l\u00fd, chuy\u1ec3n giao b\u1eaft bu\u1ed9c ch\u1ec9 l\u00e0 c\u00e1ch di\u1ec5n \u0111\u1ea1t. B\u1ea3n ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1 l\u00e0 vi\u1ec7c s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n. Mu\u1ed1n chuy\u1ec3n giao th\u00ec ph\u1ea3i \u0111\u1ecbnh \u0111o\u1ea1t b\u1eb1ng mua b\u00e1n, t\u1eb7ng cho, th\u1eeba k\u1ebf\u2026 Mua b\u1eaft bu\u1ed9c l\u00e0 c\u01a1 ch\u1ebf. B\u1eaft bu\u1ed9c chuy\u1ec3n giao ph\u1ea3i c\u0103n c\u1ee9 tr\u00ean h\u1ed3 s\u01a1, b\u1ea3n \u00e1n \u0111\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 mang t\u00ednh ph\u00e1p l\u00fd.<\/em><\/p>\n

– Ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c mua l\u1ea1i 0 \u0111\u1ed3ng nh\u01b0ng kh\u00f4ng v\u1ef1c d\u1eady \u0111\u01b0\u1ee3c?<\/em><\/h5>\n
Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu:<\/em><\/strong><\/h5>\n

C\u1ea7n c\u00f3 c\u01a1 ch\u1ebf \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng t\u1ef1 nguy\u1ec7n chuy\u1ec3n giao. C\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m ph\u1ea3i t\u1ef1 \u0111i t\u00ecm ng\u00e2n h\u00e0ng m\u1eb9 \u0111\u1ec3 th\u1ef1c hi\u1ec7n vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u, n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c th\u00ec t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho th\u1ef1c hi\u1ec7n l\u00e0m th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
H\u1ed9i th\u1ea3o thu h\u00fat r\u1ea5t \u0111\u00f4ng kh\u00e1ch m\u1eddi trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Th\u1ef1c t\u1ebf, c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111\u01b0\u1ee3c mua l\u1ea1i 0 \u0111\u1ed3ng nh\u01b0ng kh\u00f4ng v\u1ef1c d\u1eady \u0111\u01b0\u1ee3c, c\u00e0ng l\u00e0m c\u00e0ng l\u1ed7. Ch\u00fang ta \u0111ang ho\u1ea1t \u0111\u1ed9ng trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng th\u00ec h\u00e3y \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh s\u1ed1 ph\u1eadn c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng hi\u1ec7u qu\u1ea3.<\/p>\n

11\/04\/2025 11:58<\/p>\n

C\u1ea7n minh b\u1ea1ch, c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh<\/strong><\/h5>\n
\u00d4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh – Gi\u1ea3ng vi\u00ean ch\u00ednh s\u00e1ch c\u00f4ng, \u0110\u1ea1i h\u1ecdc Fulbright Vi\u1ec7t Nam:<\/em><\/strong><\/h5>\n

\u0110\u00e0o t\u1ea1o \u0111\u00fang chuy\u00ean ng\u00e0nh ng\u00e2n h\u00e0ng ra l\u00e0m l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng c\u0169ng quan tr\u1ecdng nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ea5t c\u1ea3. T\u1eeb th\u1ef1c t\u1ebf, nhi\u1ec1u ng\u01b0\u1eddi h\u1ecdc k\u1ef9 thu\u1eadt v\u1eabn c\u00f3 th\u1ec3 l\u00e0m kinh doanh r\u1ea5t t\u1ed1t.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
\u00d4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u1ea7n c\u00f3 s\u1ef1 minh b\u1ea1ch trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Hi\u1ec7n nay, t\u1ea5t c\u1ea3 Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n n\u1ebfu kh\u00f4ng ni\u00eam y\u1ebft th\u00ec ph\u1ea3i c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u1ecbnh k\u1ef3, tr\u1eeb c\u00e1c ng\u00e2n h\u00e0ng li\u00ean doanh n\u01b0\u1edbc ngo\u00e0i th\u00ec kh\u00f4ng c\u00f4ng b\u1ed1. Tuy nhi\u00ean, c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m c\u0169ng kh\u00f4ng c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh. T\u00f4i cho r\u1eb1ng c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n minh b\u1ea1ch, c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng, minh b\u1ea1ch b\u1edfi mu\u1ed1n gi\u1ea5u th\u00ec ng\u01b0\u1eddi ta c\u0169ng bi\u1ebft.<\/p>\n

11\/04\/2025 12:03<\/p>\n

Quy chu\u1ea9n tr\u00ecnh \u0111\u1ed9 c\u00e1c CEO ng\u00e2n h\u00e0ng<\/strong><\/h5>\n
– Nh\u00e0 b\u00e1o Ph\u00f9ng C\u00f4ng S\u01b0\u1edfng:<\/em><\/strong><\/h5>\n

Khi t\u00e1i c\u1ea5u tr\u00fac c\u00e1c ng\u00e2n h\u00e0ng, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 c\u00e1c t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh v\u00e0 v\u1ecb th\u1ebf c\u1ee7a nh\u1eefng ng\u01b0\u1eddi c\u00f3 n\u0103ng l\u1ef1c, c\u00f3 tr\u00ed tu\u1ec7 ch\u1ee9ng minh \u0111\u01b0\u1ee3c h\u1ecd th\u00e0nh v\u1eadt ch\u1ea5t \u0111\u1ec3 h\u1ecd c\u00f3 quy\u1ec1n ki\u1ec3m so\u00e1t v\u00e0 \u0111i\u1ec1u h\u00e0nh c\u00e1c ng\u00e2n h\u00e0ng? R\u00f5 r\u00e0ng, c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m n\u1ebfu v\u00e0o tay m\u1ed9t ng\u01b0\u1eddi r\u1ea5t gi\u1ecfi th\u00ec \u0111\u00f3 l\u00e0 m\u1ed9t ngu\u1ed3n l\u1ef1c \u0111\u1ec3 t\u00e1i c\u1ea5u tr\u00fac th\u00e0nh c\u00f4ng; c\u0169ng c\u00f3 th\u1ec3 nh\u1eefng ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m v\u00e0o tay nh\u1eefng ng\u01b0\u1eddi r\u1ea5t nhi\u1ec1u ti\u1ec1n nh\u01b0ng ch\u1ea5t l\u01b0\u1ee3ng tr\u00ed th\u1ee9c, hi\u1ec3u bi\u1ebft h\u1ea1n ch\u1ebf khi\u1ebfn ti\u1ec1n m\u1ea5t \u0111i.\u00a0V\u1eady h\u00e0nh lang ph\u00e1p l\u00fd c\u1ee7a m\u00ecnh c\u00f3 d\u00e1m th\u1eeba nh\u1eadn vi\u1ec7c \u0111\u00f3 kh\u00f4ng, \u0111\u00e3 c\u00f3 s\u00e0n n\u00e0o giao d\u1ecbch c\u00e1c \u00fd t\u01b0\u1edfng tr\u1edf th\u00e0nh h\u00e0ng h\u00f3a kh\u00f4ng, kh\u1eb3ng \u0111\u1ecbnh vai tr\u00f2 c\u1ee7a nh\u1eefng ng\u01b0\u1eddi nh\u01b0 v\u1eady?<\/em><\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
Nh\u00e0 b\u00e1o Ph\u00f9ng C\u00f4ng S\u01b0\u1edfng trao \u0111\u1ed5i v\u1edbi c\u00e1c di\u1ec5n gi\u1ea3.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
– PGS, TS. Nguy\u1ec5n \u0110\u1ee9c Trung – Hi\u1ec7u tr\u01b0\u1edfng Tr\u01b0\u1eddng \u0110H Ng\u00e2n h\u00e0ng:\u00a0<\/em><\/strong><\/h5>\n

Th\u1ef1c ra, h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh nh\u1eefng chu\u1ea9n tr\u00ecnh \u0111\u1ed9 v\u1edbi c\u1ea3 CEO c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u1edf Vi\u1ec7t Nam. M\u1ed9t c\u00e2u chuy\u1ec7n \u0111\u1eb7t ra l\u00e0 khi tr\u1edf th\u00e0nh c\u1ed5 \u0111\u00f4ng tham gia l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 n\u0103ng l\u1ef1c, hi\u1ec3u bi\u1ebft r\u00f5 v\u1ec1 ng\u00e0nh ng\u00e2n h\u00e0ng, ngh\u1ec1 ng\u00e2n h\u00e0ng. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 quy chu\u1ea9n \u0111\u01b0\u1ee3c n\u00f3, \u00fd t\u01b0\u1edfng r\u1ea5t hay l\u00e0 c\u00f3 s\u00e0n \u00fd t\u01b0\u1edfng \u0111\u00e1nh gi\u00e1 \u0111i\u1ec1u \u0111\u00f3 l\u00e0 tuy\u1ec7t v\u1eddi.<\/p>\n

Khi ch\u01b0a c\u00f3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3, c\u00f3 l\u1ebd b\u1eaft bu\u1ed9c ph\u1ea3i quay v\u1ec1 v\u1ea5n \u0111\u1ec1 b\u1eb1ng c\u1ea5p th\u1ef1c ch\u1ea5t, ph\u1ea3i c\u00f3 b\u1eb1ng t\u1ed1i thi\u1ec3u n\u00e0o \u0111\u00f3 \u1edf \u0111\u1ea1i h\u1ecdc trong l\u0129nh v\u1ef1c \u0111\u00f3. Vi\u1ec7c \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o b\u00e0i b\u1ea3n r\u1ea5t quan tr\u1ecdng \u1edf Vi\u1ec7t Nam c\u0169ng nh\u01b0 tr\u00ean th\u1ebf gi\u1edbi, b\u1edfi n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o b\u00e0i b\u1ea3n th\u00ec r\u1ea5t d\u1ec5 b\u1ecb l\u1ea1c h\u01b0\u1edbng, nh\u1ea5t l\u00e0 khi \u1edf v\u1ecb tr\u00ed l\u00e3nh \u0111\u1ea1o c\u1ea5p cao \u1edf c\u00e1c ng\u00e2n h\u00e0ng. B\u1edfi v\u00ec l\u00fac \u0111\u00f3 c\u00f3 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi tham m\u01b0u cho m\u00ecnh nh\u01b0ng n\u1ebfu kh\u00f4ng bi\u1ebft l\u1ef1a ch\u1ecdn \u0111\u00fang khi kh\u00f4ng c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t ph\u00f4ng n\u1ec1n t\u1ea3ng chu\u1ea9n. \u1ede \u0111\u00e2y t\u00f4i ngh\u0129 n\u00ean c\u00f3 quy \u0111\u1ecbnh l\u00e0 ph\u1ea3i tham gia c\u00e1c l\u1edbp thu\u1ea7n qu\u1ea3n l\u00fd do Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng t\u1ed5 ch\u1ee9c.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
Hi\u1ec7u tr\u01b0\u1edfng Tr\u01b0\u1eddng \u0110H Ng\u00e2n h\u00e0ng Nguy\u1ec5n \u0110\u1ee9c Trung.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00f3 m\u1ed9t c\u00e2u chuy\u1ec7n th\u00fa v\u1ecb n\u1eefa l\u00e0 khi m\u1ed9t ng\u01b0\u1eddi mu\u1ed1n l\u00ean l\u00e0m t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng th\u00ec bu\u1ed9c ph\u1ea3i tr\u1ea3i qua v\u1ecb tr\u00ed qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc t\u1ea1i ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u1ec3 tr\u00e1nh vi\u1ec7c \u201cl\u00ean\u201d kh\u00f4ng c\u00f3 ng\u01b0\u1eddi gi\u00e1m s\u00e1t. Vi\u1ec7c n\u00e0y nh\u1eb1m \u0111\u1ec3 ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc \u0111\u00e1nh gi\u00e1 n\u0103ng l\u1ef1c c\u1ee7a ng\u01b0\u1eddi n\u00e0y, c\u00f3 \u0111\u1ee7 ti\u00eau chu\u1ea9n, kinh nghi\u1ec7m \u0111\u1ec3 \u0111\u1ea3m nhi\u1ec7m hay kh\u00f4ng th\u00ec m\u1edbi \u0111\u1ea3m b\u1ea3o s\u1ef1 an to\u00e0n t\u1ed1i \u0111a.<\/p>\n

11\/04\/2025 12:06<\/p>\n

T\u00e1i c\u1ea5u tr\u00fac ph\u1ea3i c\u00f3 t\u00ednh b\u1eaft bu\u1ed9c<\/strong><\/h5>\n
\u00d4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh – Gi\u1ea3ng vi\u00ean ch\u00ednh s\u00e1ch c\u00f4ng, \u0110\u1ea1i h\u1ecdc Fulbright Vi\u1ec7t Nam:<\/em><\/strong><\/h5>\n

Trong v\u1ea5n \u0111\u1ec1 t\u00e1i c\u1ea5u tr\u00fac ph\u1ea3i c\u00f3 t\u00ednh ch\u1ea5t b\u1eaft bu\u1ed9c b\u1edfi v\u00ec b\u00ean b\u1ecb th\u00e2u t\u00f3m ch\u1eb3ng bao gi\u1edd ch\u1ecbu t\u1ef1 nguy\u1ec7n. Ng\u00e2n h\u00e0ng b\u1ecb th\u00e2u t\u00f3m kh\u00f4ng ch\u1ea5p nh\u1eadn \u0111\u01a1n v\u1ecb kh\u00e1c ti\u1ebfp nh\u1eadn m\u00e0 kh\u00f4ng tr\u1ea3 ti\u1ec1n, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u00e3 b\u1ecb \u00e2m. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 n\u00e0y n\u1ebfu kh\u00f4ng chuy\u1ec3n giao mang t\u00ednh t\u1ef1 nguy\u1ec7n th\u00ec nh\u00e0 n\u01b0\u1edbc s\u1ebd b\u1eaft bu\u1ed9c ph\u00e1 s\u1ea3n.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
\u00d4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh – Gi\u1ea3ng vi\u00ean ch\u00ednh s\u00e1ch c\u00f4ng, \u0110\u1ea1i h\u1ecdc Fulbright Vi\u1ec7t Nam.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00e1c ng\u00e2n h\u00e0ng sau khi \u0111\u01b0\u1ee3c chuy\u1ec3n giao b\u1eaft bu\u1ed9c xong s\u1ebd \u0111\u1ed5i t\u00ean, \u0111\u00f3 l\u00e0 th\u1ef1c tr\u1ea1ng \u0111ang di\u1ec5n ra \u1edf h\u00e0ng lo\u1ea1t c\u00e1c ng\u00e2n h\u00e0ng. \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c chuy\u1ec3n \u0111\u1ed5i ng\u00e2n h\u00e0ng s\u1ed1 m\u00e0 kh\u00f4ng x\u00f3a s\u1ed5 gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng. \u0110\u00e2y l\u00e0 kinh nghi\u1ec7m Indonesia \u0111\u00e3 l\u00e0m. \u0110\u1ed9ng th\u00e1i chuy\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1 cho th\u1ea5y gi\u00e1 tr\u1ecb th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n m\u00e0 ch\u1ec9 c\u00f2n m\u1ed7i gi\u00e1 tr\u1ecb gi\u1ea5y ph\u00e9p, c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u c\u0169ng \u0111\u00e3 m\u1ea5t v\u1ed1n.<\/p>\n

L\u00e0m sao \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng s\u1ed1 ph\u00e1t tri\u1ec3n t\u1ed1t th\u00ec c\u00e1i l\u1ee3i cho ng\u00e2n h\u00e0ng chuy\u1ec3n giao b\u1eaft bu\u1ed9c l\u00e0 l\u00e3i su\u1ea5t c\u1ee7a nh\u00e0 n\u01b0\u1edbc th\u1ea5p h\u01a1n s\u1ebd t\u1ea1o c\u01a1 h\u1ed9i cho c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n. \u0110\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p h\u1ed7 tr\u1ee3 c\u1ee7a nh\u00e0 n\u01b0\u1edbc.<\/p>\n

11\/04\/2025 12:08<\/p>\n

R\u1ee7i ro b\u1ea3o m\u1eadt th\u00f4ng tin \u1edf ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu:<\/em><\/strong>\u00a0Ng\u00e2n h\u00e0ng s\u1ed1 \u1edf Vi\u1ec7t Nam \u0111ang trong b\u01b0\u1edbc kh\u1edfi \u0111\u1ea7u mong manh, g\u1eb7p nhi\u1ec1u r\u1ee7i ro v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin. B\u00ean c\u1ea1nh \u0111\u00f3, n\u1ebfu b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n, k\u1ebft qu\u1ea3 kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng con kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ee3p nh\u1ea5t v\u1edbi b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng m\u1eb9 s\u1ebd d\u1eabn \u0111\u1ebfn nhi\u1ec1u r\u1ee7i ro cho \u0111\u1ed1i t\u00e1c, kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n.<\/p>\n

11\/04\/2025 12:18<\/p>\n

Ta\u0301i c\u00e2\u0301u tru\u0301c ng\u00e2n ha\u0300ng l\u00e0 gi\u1ea3i ph\u00e1p to\u00e0n di\u1ec7n<\/strong><\/h5>\n
\u00d4ng Nguy\u1ec5n Qu\u1ed1c Tu\u1ea5n – Gi\u00e1m \u0111\u1ed1c Ban D\u1ef1 \u00e1n chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng TMCP Ph\u00e1t tri\u1ec3n TPHCM:<\/em><\/strong><\/h5>\n

Vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e2n \u0111o \u0111ong \u0111\u1ebfm r\u1ea5t nhi\u1ec1u t\u1eeb c\u00e1c b\u1ed9, ban, ng\u00e0nh nh\u1eb1m \u0111\u01b0a ra gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p cho t\u1eebng giai \u0111o\u1ea1n.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
\u00d4ng Nguy\u1ec5n Qu\u1ed1c Tu\u1ea5n.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ec3 th\u1ef1c hi\u1ec7n chuy\u1ec3n giao b\u1eaft bu\u1ed9c, t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng tham gia \u0111\u1ec1u c\u00f3 ph\u01b0\u01a1ng \u00e1n c\u1ee5 th\u1ec3 nh\u01b0 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c b\u00ean tham gia, m\u1ee9c \u0111\u1ed9 an to\u00e0n cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. T\u1ea5t c\u1ea3 ph\u01b0\u01a1ng \u00e1n nh\u1eb1m \u0111\u1ea1t m\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng l\u00e0 \u0111\u1ec3 ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng, d\u1ef1a tr\u00ean ph\u00ea duy\u1ec7t theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Trong qu\u00e1 tr\u00ecnh tham gia, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c b\u1ed9, ban, ng\u00e0nh c\u00f3 c\u00e2n nh\u1eafc \u0111\u1ebfn vi\u1ec7c gi\u1ea3i th\u1ec3 ng\u00e2n h\u00e0ng nh\u01b0ng c\u00e2n nh\u1eafc y\u1ebfu t\u1ed1 n\u1ec1n kinh t\u1ebf, an ninh tr\u1eadt t\u1ef1 x\u00e3 h\u1ed9i, cho n\u00ean \u0111\u00e3 l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n t\u1ed1i \u01b0u l\u00e0 t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng.<\/p>\n

Quan \u0111i\u1ec3m c\u00e1 nh\u00e2n t\u00f4i, v\u1edbi s\u1ef1 quy\u1ebft t\u00e2m m\u1ea1nh m\u1ebd c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 c\u00e1c b\u00ean li\u00ean quan, vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng s\u1ebd \u0111\u1ea1t k\u1ebft qu\u1ea3 t\u1ed1t \u0111\u1eb9p. \u1ede g\u00f3c \u0111\u1ed9 c\u00e1 nh\u00e2n, t\u00f4i \u0111\u00e1nh gi\u00e1 t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng l\u00e0 gi\u1ea3i ph\u00e1p to\u00e0n di\u1ec7n.<\/p>\n

11\/04\/2025 12:23<\/p>\n

G\u00f3c nh\u00ecn \u0111a chi\u1ec1u v\u00e0 nhi\u1ec1u b\u00e0i h\u1ecdc, kinh nghi\u1ec7m qu\u00fd b\u00e1u<\/strong><\/h5>\n

B\u1ebf m\u1ea1c h\u1ed9i th\u1ea3o,\u00a0T\u1ed5ng Bi\u00ean t\u1eadp B\u00e1o Ti\u1ec1n Phong Ph\u00f9ng C\u00f4ng S\u01b0\u1edfng<\/em><\/strong>\u00a0g\u1eedi l\u1eddi c\u1ea3m \u01a1n \u0111\u1ebfn c\u00e1c chuy\u00ean gia t\u1ea1i “H\u1ed9i th\u1ea3o: T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao \u0111\u1ea1t hi\u1ec7u qu\u1ea3 t\u1ed1i \u0111a?”.<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
T\u1ed5ng Bi\u00ean t\u1eadp B\u00e1o Ti\u1ec1n Phong Ph\u00f9ng C\u00f4ng S\u01b0\u1edfng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Qua g\u1ea7n 4 gi\u1edd \u0111\u1ed3ng h\u1ed3, c\u00e1c chuy\u00ean gia trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng c\u00f9ng th\u1ea3o lu\u1eadn, chia s\u1ebb nh\u1eefng b\u00e0i h\u1ecdc kinh nghi\u1ec7m qu\u00fd b\u00e1u trong qu\u00e1 tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam.<\/p>\n

H\u1ed9i th\u1ea3o \u0111\u00e3 mang \u0111\u1ebfn cho nh\u1eefng g\u00f3c nh\u00ecn \u0111a chi\u1ec1u, ph\u00e2n t\u00edch s\u00e2u s\u1eafc v\u1ec1 th\u00e1ch th\u1ee9c v\u00e0 c\u01a1 h\u1ed9i m\u00e0 ng\u00e0nh ng\u00e2n h\u00e0ng \u0111ang \u0111\u1ed1i m\u1eb7t, \u0111\u1ed3ng th\u1eddi \u0111\u01b0a ra nh\u1eefng gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u \u0111\u1ec3 gi\u1ea3i c\u1ee9u ng\u00e2n h\u00e0ng, \u1ed5n \u0111\u1ecbnh th\u1ecb tr\u01b0\u1eddng, gi\u00fap ng\u01b0\u1eddi g\u1eedi ti\u1ec1n y\u00ean t\u00e2m\u2026 T\u1ea5t c\u1ea3 nh\u1eb1m g\u00f3p ph\u1ea7n v\u00e0o s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam.<\/p>\n

————-<\/em><\/p>\n

Ti\u1ec1n<\/em><\/strong> phong<\/em><\/strong> (Kinh<\/em><\/strong> t\u1ebf<\/em><\/strong>) ng\u00e0y <\/em><\/strong>11-4<\/em><\/strong>-202<\/em><\/strong>5<\/em><\/strong>:<\/em><\/strong><\/h5>\n

https:\/\/tienphong.vn\/thay-gi-sau-cac-thuong-vu-chuyen-giao-bat-buoc-ngan-hang-post1732688.tpo<\/em><\/a><\/p>\n

(<\/em>747\/5.423<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Th\u1ea5y g\u00ec sau c\u00e1c th\u01b0\u01a1ng v\u1ee5 ‘chuy\u1ec3n giao b\u1eaft bu\u1ed9c’ ng\u00e2n h\u00e0ng? (TP) –\u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0cho bi\u1ebft: “Vi\u1ec7c chuy\u1ec3n giao b\u1eaft bu\u1ed9c tr\u01b0\u1edbc m\u1eaft l\u00e0 \u0111\u1ec3 gi\u1ea3i c\u1ee9u kh\u00f3 kh\u0103n k\u00e9o d\u00e0i, gi\u1ea3i quy\u1ebft t\u00ecnh th\u1ebf bi \u0111\u00e1t, d\u1eebng ho\u00e3n, ng\u0103n ch\u1eb7n nguy c\u01a1 \u0111\u1ed5 v\u1ee1. Trong […]<\/p>\n","protected":false},"author":2,"featured_media":47226,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[32,39,36],"class_list":["post-47224","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-anvi","tag-cong-ty-luat-anvi","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.019. 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