{"id":47241,"date":"2025-04-11T08:10:25","date_gmt":"2025-04-11T01:10:25","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=47241"},"modified":"2025-04-14T10:39:41","modified_gmt":"2025-04-14T03:39:41","slug":"4-024-cach-xu-ly-ngan-hang-0-dong-khong-hieu-qua","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-024-cach-xu-ly-ngan-hang-0-dong-khong-hieu-qua\/","title":{"rendered":"4.024. C\u00e1ch x\u1eed l\u00fd “ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng” kh\u00f4ng hi\u1ec7u qu\u1ea3 (?)"},"content":{"rendered":"

C\u00e1ch x\u1eed l\u00fd “ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng” kh\u00f4ng hi\u1ec7u qu\u1ea3 (?)<\/span><\/h4>\n
(PN<\/strong>) – \u00dd ki\u1ebfn c\u1ee7a nhi\u1ec1u 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?” do b\u00e1o Ti\u1ec1n Phong t\u1ed5 ch\u1ee9c trong s\u00e1ng ng\u00e0y 11\/4.<\/strong><\/h5>\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>Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em> – cho hay, theo quy tr\u00ecnh x\u1eed l\u00fd c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m, c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o y\u00eau c\u1ea7u an to\u00e0n v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng s\u1ebd tr\u1ea3i qua c\u00e1c giai \u0111o\u1ea1n t\u1eeb “can thi\u1ec7p s\u1edbm” \u0111\u1ebfn “ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t<\/em>“.<\/span><\/p>\n

N\u1ebfu t\u00ecnh h\u00ecnh kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n sau giai \u0111o\u1ea1n “ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t”, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u0111\u1ed1i di\u1ec7n v\u1edbi nguy c\u01a1 ph\u00e1 s\u1ea3n ho\u1eb7c “chuy\u1ec3n giao b\u1eaft bu\u1ed9c”.<\/p>\n

\"C\u00e1ch

Quang c\u1ea3nh bu\u1ed5i h\u1ed9i th\u1ea3o (\u1ea2nh: Ti\u1ec1n Phong)<\/p><\/div>\n

“Chuy\u1ec3n giao b\u1eaft bu\u1ed9c” nh\u1eb1m “gi\u1ea3i c\u1ee9u” c\u00e1c ng\u00e2n h\u00e0ng kh\u1ecfi kh\u00f3 kh\u0103n k\u00e9o d\u00e0i, gi\u1ea3i quy\u1ebft t\u00ecnh th\u1ebf c\u1ea5p b\u00e1ch v\u00e0 ng\u0103n ch\u1eb7n nguy c\u01a1 s\u1ee5p \u0111\u1ed5. Tuy nhi\u00ean, v\u1ec1 l\u00e2u d\u00e0i, \u0111\u1ec3 h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp ho\u1eb7c t\u00e1i c\u1ed5 ph\u1ea7n h\u00f3a, vi\u1ec7c duy tr\u00ec m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng m\u1eb9 con m\u1ed9t ch\u1ee7 l\u00e0 c\u1ea7n thi\u1ebft. Lu\u1eadt s\u01b0 \u0110\u1ee9c ki\u1ebfn ngh\u1ecb kh\u00f4ng n\u00ean ti\u1ebfp t\u1ee5c l\u1ea1m d\u1ee5ng bi\u1ec7n ph\u00e1p chuy\u1ec3n giao b\u1eaft bu\u1ed9c.<\/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 – cho bi\u1ebft, l\u1ecbch s\u1eed t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng th\u1ea5t b\u1ea1i kh\u00e1 nhi\u1ec1u. Ch\u1eb3ng h\u1ea1n, tr\u01b0\u1eddng h\u1ee3p h\u1ee3p nh\u1ea5t ba ng\u00e2n h\u00e0ng th\u00e0nh SCB n\u0103m 2011, hay vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) mua l\u1ea1i b\u1eaft bu\u1ed9c OceanBank, X\u00e2y D\u1ef1ng, GPBank n\u0103m 2015, v\u00e0 Ng\u00e2n h\u00e0ng \u0110\u00f4ng \u00c1 sau \u0111\u00f3 c\u0169ng tr\u1edf th\u00e0nh ng\u00e2n h\u00e0ng “0 \u0111\u1ed3ng” tr\u1ef1c thu\u1ed9c NHNN. Theo Ti\u1ebfn s\u0129 Hi\u1ebfu, sau m\u1ed9t th\u1eadp k\u1ef7, \u0111\u1ebfn n\u0103m 2024, c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y v\u1eabn g\u1eb7p kh\u00f3 kh\u0103n v\u00e0 ch\u01b0a th\u1ec3 ph\u1ee5c h\u1ed3i, th\u1eadm ch\u00ed c\u00f2n g\u00e2y thua l\u1ed7 k\u00e9o d\u00e0i.<\/p>\n

M\u1edbi \u0111\u00e2y, NHNN \u0111\u00e3 c\u00f4ng b\u1ed1 ho\u00e0n t\u1ea5t vi\u1ec7c chuy\u1ec3n giao b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi 4 ng\u00e2n h\u00e0ng: Ng\u00e2n h\u00e0ng X\u00e2y d\u1ef1ng (chuy\u1ec3n giao cho Vietcombank v\u00e0 \u0111\u1ed5i t\u00ean th\u00e0nh VCB Neo), Ng\u00e2n h\u00e0ng Oceanbank (chuy\u1ec3n giao cho MBBank v\u00e0 \u0111\u1ed5i t\u00ean th\u00e0nh MB), GPBank (chuy\u1ec3n giao cho VPBank), v\u00e0 Ng\u00e2n h\u00e0ng \u0110\u00f4ng \u00c1 (chuy\u1ec3n giao cho HDBank v\u00e0 \u0111\u1ed5i t\u00ean th\u00e0nh HDBank Plus). Ri\u00eang SCB hi\u1ec7n v\u1eabn \u0111ang trong di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t.<\/p>\n

Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu b\u00e0y t\u1ecf lo ng\u1ea1i r\u1eb1ng, chuy\u1ec3n giao b\u1eaft bu\u1ed9c kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea3i ph\u00e1p c\u0103n c\u01a1 cho c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m. \u00d4ng cho r\u1eb1ng, vi\u1ec7c thi\u1ebfu th\u00f4ng tin minh b\u1ea1ch v\u1ec1 t\u00ecnh h\u00ecnh ho\u1ea1t \u0111\u1ed9ng v\u00e0 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng sau chuy\u1ec3n giao t\u1ea1o ra r\u1ee7i ro l\u1edbn cho kh\u00e1ch h\u00e0ng. M\u1eb7c d\u00f9 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1edfi B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi Vi\u1ec7t Nam, m\u1ee9c b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i v\u1eabn c\u00f2n th\u1ea5p.<\/p>\n

\u00d4ng nh\u1ea5n m\u1ea1nh s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a c\u01a1 ch\u1ebf chuy\u1ec3n giao t\u1ef1 nguy\u1ec7n, khuy\u1ebfn kh\u00edch c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m ch\u1ee7 \u0111\u1ed9ng t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c t\u00e1i c\u01a1 c\u1ea5u ho\u1eb7c ti\u1ebfn h\u00e0nh th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n n\u1ebfu kh\u00f4ng th\u00e0nh c\u00f4ng. Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, \u00f4ng cho r\u1eb1ng n\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u1ef1 \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng k\u00e9m hi\u1ec7u qu\u1ea3.<\/p>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, ti\u1ebfn s\u0129 Hi\u1ebfu \u0111\u1ec1 xu\u1ea5t c\u00e1c ng\u00e2n h\u00e0ng m\u1eb9 n\u00ean b\u1ea3o l\u00e3nh to\u00e0n b\u1ed9 ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng con \u0111\u1ec3 t\u1ea1o s\u1ef1 an t\u00e2m cho kh\u00e1ch h\u00e0ng. \u0110\u1ed3ng th\u1eddi, NHNN c\u1ea7n t\u0103ng c\u01b0\u1eddng minh b\u1ea1ch th\u00f4ng tin v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng tr\u00ean trang web ch\u00ednh th\u1ee9c.<\/p>\n

Ph\u00e2n t\u00edch nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng, ti\u1ebfn s\u0129 Hi\u1ebfu cho r\u1eb1ng l\u1ee3i \u00edch nh\u00f3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00f3m l\u1ee3i \u00edch b\u1ea5t \u0111\u1ed9ng s\u1ea3n, c\u00f3 t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn. H\u1ea7u h\u1ebft c\u00e1c v\u1ee5 \u00e1n li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 y\u1ebfu t\u1ed1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

\u00d4ng ki\u1ebfn ngh\u1ecb c\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n theo d\u00f5i v\u00e0 ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n nh\u00f3m l\u1ee3i \u00edch n\u00e0y, \u0111\u1ed3ng th\u1eddi l\u01b0u \u00fd \u0111\u1ebfn r\u1ee7i ro t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng s\u1ed1 \u0111ang trong giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n ban \u0111\u1ea7u. Vi\u1ec7c kh\u00f4ng h\u1ee3p nh\u1ea5t b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng con v\u00e0o b\u00e1o c\u00e1o c\u1ee7a ng\u00e2n h\u00e0ng m\u1eb9 c\u0169ng ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro cho \u0111\u1ed1i t\u00e1c v\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n.<\/p>\n

C\u00f9ng quan \u0111i\u1ec3m, \u00f4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh – Gi\u1ea3ng vi\u00ean ch\u00ednh s\u00e1ch c\u00f4ng t\u1ea1i \u0110\u1ea1i h\u1ecdc Fulbright Vi\u1ec7t Nam – cho bi\u1ebft, hi\u1ec7n c\u00f3 5 ng\u00e2n h\u00e0ng trong s\u1ed1 35 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111ang thu\u1ed9c di\u1ec7n “0 \u0111\u1ed3ng”, y\u1ebfu k\u00e9m v\u00e0 ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t. Nguy\u00ean nh\u00e2n ch\u1ee7 y\u1ebfu l\u00e0 do s\u1ef1 thao t\u00fang c\u1ee7a nh\u00f3m c\u1ed5 \u0111\u00f4ng l\u1edbn th\u00f4ng qua s\u1edf h\u1eefu ch\u00e9o, v\u00e0 vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng hi\u1ec7u qu\u1ea3 cho c\u00e1c doanh nghi\u1ec7p trong h\u1ec7 sinh th\u00e1i li\u00ean quan, d\u1eabn \u0111\u1ebfn n\u1ee3 x\u1ea5u.<\/p>\n

\u00d4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh nh\u1ea5n m\u1ea1nh s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a t\u00ednh minh b\u1ea1ch trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n ch\u01b0a ni\u00eam y\u1ebft ph\u1ea3i c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u1ecbnh k\u1ef3, ngo\u1ea1i tr\u1eeb c\u00e1c ng\u00e2n h\u00e0ng li\u00ean doanh n\u01b0\u1edbc ngo\u00e0i. Tuy nhi\u00ean, nhi\u1ec1u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m v\u1eabn kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 n\u00e0y. \u00d4ng cho r\u1eb1ng vi\u1ec7c c\u00f4ng khai b\u00e1o c\u00e1o t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng v\u00e0 minh b\u1ea1ch l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft, b\u1edfi th\u00f4ng tin cu\u1ed1i c\u00f9ng v\u1eabn s\u1ebd \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn.<\/p>\n

Thanh Hoa<\/strong><\/h5>\n

————-<\/em><\/p>\n

Ph\u1ee5<\/em><\/strong> n\u1eef HCM<\/em><\/strong> (T\u00e0i<\/em><\/strong> ch\u00ednh)<\/em><\/strong> ng\u00e0y <\/em><\/strong>11-4<\/em><\/strong>-202<\/em><\/strong>5<\/em><\/strong>:<\/em><\/strong><\/p>\n

https:\/\/www.phunuonline.com.vn\/cach-xu-ly-ngan-hang-0-dong-khong-hieu-qua-a1546902.html<\/em><\/a><\/p>\n

(<\/em>138\/946<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

C\u00e1ch x\u1eed l\u00fd “ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng” kh\u00f4ng hi\u1ec7u qu\u1ea3 (?) (PN) – \u00dd ki\u1ebfn c\u1ee7a nhi\u1ec1u 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?” do b\u00e1o Ti\u1ec1n Phong t\u1ed5 ch\u1ee9c trong s\u00e1ng ng\u00e0y 11\/4. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, […]<\/p>\n","protected":false},"author":2,"featured_media":47239,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[32,39,36,29],"class_list":["post-47241","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","tag-truong-thanh-duc"],"acf":[],"yoast_head":"\n4.024. C\u00e1ch x\u1eed l\u00fd "ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng" kh\u00f4ng hi\u1ec7u qu\u1ea3 (?) - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"C\u00e1ch x\u1eed l\u00fd "ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng" kh\u00f4ng hi\u1ec7u qu\u1ea3 | Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ki\u1ebfn ngh\u1ecb kh\u00f4ng n\u00ean ti\u1ebfp t\u1ee5c l\u1ea1m d\u1ee5ng bi\u1ec7n ph\u00e1p chuy\u1ec3n giao b\u1eaft bu\u1ed9c.\" \/>\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-4-024-cach-xu-ly-ngan-hang-0-dong-khong-hieu-qua\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.024. 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