{"id":47233,"date":"2025-04-11T08:03:16","date_gmt":"2025-04-11T01:03:16","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=47233"},"modified":"2025-04-14T10:29:18","modified_gmt":"2025-04-14T03:29:18","slug":"4-021-tai-co-cau-ngan-hang-lam-sao-cho-hieu-qua","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-021-tai-co-cau-ngan-hang-lam-sao-cho-hieu-qua\/","title":{"rendered":"4.021. T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao cho hi\u1ec7u qu\u1ea3?"},"content":{"rendered":"<h4><span style=\"color: #723918;\">T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao cho hi\u1ec7u qu\u1ea3?<\/span><\/h4>\n<h5><strong>(\u0110TTC) &#8211; \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia b\u00e0n lu\u1eadn t\u1ea1i h\u1ed9i th\u1ea3o &#8220;T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao \u0111\u1ea1t hi\u1ec3u qu\u1ea3 t\u1ed1i \u0111a&#8221; do B\u00e1o Ti\u1ec1n Phong t\u1ed5 ch\u1ee9c t\u1ea1i TPHCM v\u00e0o ng\u00e0y 11-4.<\/strong><\/h5>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-47234 size-medium alignright\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/04\/Picture1-450x338.png\" alt=\"T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao cho hi\u1ec7u qu\u1ea3\" width=\"450\" height=\"338\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/04\/Picture1-450x338.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/04\/Picture1-768x577.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2025\/04\/Picture1.png 908w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>T\u1ea1i h\u1ed9i th\u1ea3o, c\u00e2u chuy\u1ec7n xung quanh v\u1ea5n \u0111\u1ec1 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 (NHTM) c\u1ee7a lu\u1eadt s\u1eeda \u0111\u1ed5i Lu\u1eadt t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024, c\u00f3 4 NH \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n giao g\u1ed3m CBBank, OceanBank, GPBank v\u00e0 DongABank \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean b\u00e0n th\u1ea3o lu\u1eadn.<\/p>\n<h5><em>B\u00ecnh lu\u1eadn v\u1ec1 n\u1ed9i dung n\u00e0y, <\/em><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> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong><\/em><strong><em>, <\/em><\/strong><strong><em>Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em><\/strong><em>, cho r\u1eb1ng v\u1edbi qu\u00e1 tr\u00ecnh \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d \u0111\u1ed1i v\u1edbi 4 NH, c\u00e1c NH 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 NHTM. X\u00e9t v\u1ec1 b\u1ea3n ch\u1ea5t, 4 NH b\u1ecb \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d l\u1ea7n th\u1ee9 2.<\/em><\/h5>\n<p><em>L\u00fd do d\u1eabn \u0111\u1ebfn NH 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). 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).<\/em><\/p>\n<p><em>Gi\u00e1 tr\u1ecb NH 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. 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 NH 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 NH 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<p><em>&#8220;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 NH m\u1eb9 &#8211; con m\u1ed9t ch\u1ee7&#8221;, LS<\/em><em>.<\/em> <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\"><strong><em>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c <\/em><\/strong><\/a><em>n\u00f3i.<\/em><\/p>\n<p>Chia s\u1ebb v\u1ec1 kinh nghi\u1ec7m t\u00e1i c\u01a1 c\u1ea5u NH th\u00f4ng qua s\u00e1p nh\u1eadp t\u1ea1i M\u1ef9, TS. 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, cho r\u1eb1ng 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 (C\u00f4ng ty B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi li\u00ean bang), 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<p>\u1ede Vi\u1ec7t Nam, c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u00f3ng vai tr\u00f2 n\u00e0o trong vi\u1ec7c thanh tra, t\u00e1i c\u01a1 c\u1ea5u NH, nh\u01b0ng t\u1ea1i M\u1ef9, FDIC l\u00e0 ng\u01b0\u1eddi ch\u1ecbu r\u1ee7i ro l\u1edbn nh\u1ea5t. B\u1edfi n\u1ebfu c\u00f3 chuy\u1ec7n g\u00ec x\u1ea3y ra, h\u1ecd s\u1ebd l\u1ea5y ti\u1ec1n c\u1ee7a h\u1ecd \u0111\u1ec3 b\u1ed3i th\u01b0\u1eddng cho kh\u00e1ch h\u00e0ng. Ch\u00ednh v\u00ec r\u1ee7i ro \u0111\u00f3, h\u1ecd l\u00e0 ng\u01b0\u1eddi &#8220;c\u1ea7m tr\u1ecbch&#8221;, \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng nh\u1ea5t trong vi\u1ec7c thanh tra c\u00e1c NH.<\/p>\n<p>\u0110\u1ed1i v\u1edbi 4 NH \u0111\u00e3 chuy\u1ec3n giao b\u1eaft bu\u1ed9c, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu c\u0169ng chia s\u1ebb, t\u00e1i c\u01a1 c\u1ea5u c\u00e1c NH n\u00e0y d\u1ef1a tr\u00ean c\u01a1 s\u1edf ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n giao b\u1eaft bu\u1ed9c NHTM t\u1ea1i \u0111i\u1ec1u 185 c\u1ee7a Lu\u1eadt T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 (s\u1eeda \u0111\u1ed5i). Tuy nhi\u00ean, \u00f4ng \u0111\u00e3 n\u00eau ra m\u1ed9t s\u1ed1 \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 NHTM \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 NHTM \u0111\u01b0\u1ee3c chuy\u1ec3n giao b\u1eaft bu\u1ed9c; \u0111\u01b0\u1ee3c lo\u1ea1i tr\u1eeb NHTM \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<p>Theo chuy\u00ean gia n\u00e0y, nh\u1eefng \u0111i\u1ec1u kho\u1ea3n tr\u00ean kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c nguy\u00ean t\u1eafc k\u1ebf to\u00e1n v\u00e0 th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf v\u00e0 l\u00e0m &#8220;m\u00e9o m\u00f3&#8221; b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a NH nh\u1eadn chuy\u1ec3n giao. \u0110\u1eb7c bi\u1ec7t l\u00e0 kh\u00f4ng h\u1ee3p nh\u1ea5t c\u00e1c kho\u1ea3n l\u1ed7 l\u0169y k\u1ebf c\u1ee7a NH con (n\u1ebfu c\u00f3) v\u00e0o b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n c\u1ee7a c\u1ea3 h\u1ec7 th\u1ed1ng NH nh\u1eadn chuy\u1ec3n giao.<\/p>\n<p>C\u00e1c ch\u1ec9 s\u1ed1 an to\u00e0n v\u1ed1n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n ch\u00ednh x\u00e1c t\u00ednh h\u00ecnh s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a c\u1ea3 h\u1ec7 th\u1ed1ng NH nh\u1eadn chuy\u1ec3n giao. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn l\u00f2ng tin c\u1ee7a c\u1ed5 \u0111\u00f4ng, kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p t\u1ea5t c\u1ea3 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i NH con \u0111\u01b0\u1ee3c NH m\u1eb9 b\u1ea3o l\u00e3nh 100%.<\/p>\n<h5><strong>Y\u00ean<\/strong><strong> Lam<\/strong><\/h5>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>S\u00e0i<\/em><\/strong><strong><em> G\u00f2n \u0110\u1ea7u t\u01b0 t\u00e0i ch\u00ednh<\/em><\/strong><strong><em> (T\u00e0i<\/em><\/strong><strong><em> ch\u00ednh<\/em><\/strong><strong><em>) ng\u00e0y <\/em><\/strong><strong><em>11-4-<\/em><\/strong><strong><em>202<\/em><\/strong><strong><em>5<\/em><\/strong><strong><em>:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/dttc.sggp.org.vn\/tai-co-cau-ngan-hang-lam-sao-cho-hieu-qua-post121938.html\"><em>https:\/\/dttc.sggp.org.vn\/tai-co-cau-ngan-hang-lam-sao-cho-hieu-qua-post121938.html<\/em><\/a><\/p>\n<p><em>(<\/em><em>307\/845<\/em><em>)<\/em>","protected":false},"excerpt":{"rendered":"<p>T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao cho hi\u1ec7u qu\u1ea3? (\u0110TTC) &#8211; \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia b\u00e0n lu\u1eadn t\u1ea1i h\u1ed9i th\u1ea3o &#8220;T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao \u0111\u1ea1t hi\u1ec3u qu\u1ea3 t\u1ed1i \u0111a&#8221; do B\u00e1o Ti\u1ec1n Phong t\u1ed5 ch\u1ee9c t\u1ea1i TPHCM v\u00e0o ng\u00e0y 11-4. T\u1ea1i h\u1ed9i th\u1ea3o, c\u00e2u chuy\u1ec7n xung [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":47234,"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-47233","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":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4.021. T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao cho hi\u1ec7u qu\u1ea3? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"C\u00e1c chuy\u00ean gia b\u00e0n lu\u1eadn t\u1ea1i h\u1ed9i th\u1ea3o &quot;T\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, l\u00e0m sao \u0111\u1ea1t hi\u1ec3u qu\u1ea3 t\u1ed1i \u0111a&quot; do B\u00e1o Ti\u1ec1n Phong t\u1ed5 ch\u1ee9c t\u1ea1i TPHCM v\u00e0o ng\u00e0y 11-4-25\" \/>\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\/tieng-viet-4-021-tai-co-cau-ngan-hang-lam-sao-cho-hieu-qua\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.021. 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