{"id":47275,"date":"2025-04-12T21:04:02","date_gmt":"2025-04-12T14:04:02","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=47275"},"modified":"2025-04-14T11:41:27","modified_gmt":"2025-04-14T04:41:27","slug":"4-034-giai-phap-tai-co-cau-ngan-hang-hieu-qua","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-034-giai-phap-tai-co-cau-ngan-hang-hieu-qua\/","title":{"rendered":"4.034. Gi\u1ea3i ph\u00e1p t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng hi\u1ec7u qu\u1ea3."},"content":{"rendered":"

Gi\u1ea3i ph\u00e1p t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng hi\u1ec7u qu\u1ea3.<\/strong><\/span><\/h4>\n
(TCDL HCM) <\/strong>– <\/strong>C\u00e1c chuy\u00ean gia ch\u1ec9 ra nguy\u00ean nh\u00e2n khi\u1ebfn c\u00e1c th\u01b0\u01a1ng v\u1ee5 t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng kh\u00f4ng th\u00e0nh, \u0111\u1ed3ng th\u1eddi n\u00eau l\u00ean c\u00e1c gi\u1ea3i ph\u00e1p cho v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/strong><\/h5>\n
Nguy\u00ean nh\u00e2n t\u00e1i c\u01a1 c\u1ea5u kh\u00f4ng th\u00e0nh<\/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

T\u1ea1i to\u1ea1 \u0111\u00e0m “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 ng\u00e0y 11\/4 t\u1ea1i TP.HCM, 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 \u0111\u00e1nh gi\u00e1, 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\u1eebng 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 ng\u00e2n h\u00e0ng c\u1eadn \u0111\u1ea1i.<\/p>\n

\"Gi\u1ea3i<\/p>\n

TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u00ecn nh\u1eadn,\u00a0vi\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 ng\u00e2n h\u00e0ng c\u1eadn \u0111\u1ea1i.<\/em><\/h5>\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 – CB, 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

\u201cTr\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 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\u201d, \u00f4ng Hi\u1ebfu n\u00eau.<\/p>\n

V\u1ecb n\u00e0y c\u0169ng nh\u1ea5n m\u1ea1nh, sau 10 n\u0103m (\u0111\u1ebfn n\u0103m 2024), c\u1ea3 4 ng\u00e2n h\u00e0ng n\u00eau tr\u00ean v\u1eabn l\u00e0m \u0103n thua l\u1ed7 v\u00e0 kh\u00f4ng v\u1ef1c l\u1ea1i \u0111\u01b0\u1ee3c.<\/p>\n

T\u1ea1i to\u1ea1 \u0111\u00e0m, \u00f4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh, Gi\u1ea3ng vi\u00ean ch\u00ednh s\u00e1ch c\u00f4ng, \u0110\u1ea1i h\u1ecdc Fulbright Vi\u1ec7t Nam n\u00eau, 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

\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 chia s\u1ebb \u00fd ki\u1ebfn t\u1ea1i to\u1ea1 \u0111\u00e0m<\/em><\/h6>\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

\u201cNguy\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 l\u00e0 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 h\u1ec7 sinh th\u00e1i 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\u201d, chuy\u00ean gia Fulbright Vi\u1ec7t Nam chia s\u1ebb.<\/p>\n

\u0110i t\u00ecm gi\u1ea3i ph\u00e1p t\u00e1i c\u01a1 c\u1ea5u hi\u1ec7u qu\u1ea3<\/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>, <\/em><\/strong>Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em><\/strong> \u0111\u1ec1 c\u1eadp, 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><\/h5>\n

V\u1ecb n\u00e0y ch\u1ec9 ra, 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

\u201cVi\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\u201d, lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00eau quan \u0111i\u1ec3m.<\/em><\/p>\n

Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu \u0111\u1ec1 c\u1eadp, 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

TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu v\u00e0 c\u00e1c chuy\u00ean gia c\u00f9ng n\u00eau gi\u1ea3i ph\u00e1p t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng<\/em><\/h6>\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

\u0110\u00e1ng ch\u00fa \u00fd, Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng, 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

\u201cTh\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\u201d, chuy\u00ean gia cho bi\u1ebft.<\/h6>\n

Trong khi \u0111\u00f3, \u00f4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh ch\u1ec9 ra c\u00e1c b\u00e0i h\u1ecdc ch\u00ednh s\u00e1ch trong t\u00e1i c\u01a1 c\u1ea5u NHTM g\u1ed3m 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 ho\u1eb7c\/v\u00e0 t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 t\u01b0 nh\u00e2n m\u1edbi.<\/p>\n

V\u1ecb n\u00e0y c\u0169ng nh\u1ea5n m\u1ea1nh, 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. \u0110\u1ed3ng th\u1eddi 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.<\/p>\n

Huy\u1ec1n<\/strong> Tr\u00e2m<\/strong><\/h5>\n

————-<\/em><\/p>\n

T\u1ea1p<\/em><\/strong> ch\u00ed Du l\u1ecbch HCM <\/em><\/strong>(<\/em><\/strong>T<\/em><\/strong>in<\/em><\/strong> trong n\u01b0\u1edbc<\/em><\/strong>) ng\u00e0y <\/em><\/strong>12-4<\/em><\/strong>-202<\/em><\/strong>5<\/em><\/strong>:<\/em><\/strong><\/p>\n

https:\/\/tcdulichtphcm.vn\/tin-trong-nuoc\/giai-phap-tai-co-cau-ngan-hang-hieu-qua-c6a94891.html<\/a><\/em><\/p>\n

(<\/em>337\/1.670<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Gi\u1ea3i ph\u00e1p t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng hi\u1ec7u qu\u1ea3. (TCDL HCM) – C\u00e1c chuy\u00ean gia ch\u1ec9 ra nguy\u00ean nh\u00e2n khi\u1ebfn c\u00e1c th\u01b0\u01a1ng v\u1ee5 t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng kh\u00f4ng th\u00e0nh, \u0111\u1ed3ng th\u1eddi n\u00eau l\u00ean c\u00e1c gi\u1ea3i ph\u00e1p cho v\u1ea5n \u0111\u1ec1 n\u00e0y. Nguy\u00ean nh\u00e2n t\u00e1i c\u01a1 c\u1ea5u kh\u00f4ng th\u00e0nh N\u0103m 2011, Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n […]<\/p>\n","protected":false},"author":2,"featured_media":47276,"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-47275","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":"\n4.034. 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