{"id":47319,"date":"2025-04-14T15:28:56","date_gmt":"2025-04-14T08:28:56","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=47319"},"modified":"2025-04-17T17:03:34","modified_gmt":"2025-04-17T10:03:34","slug":"4-034-chuyen-giao-bat-buoc-ngan-hang-yeu-kem-ba-luu-y-quan-trong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-036-chuyen-giao-bat-buoc-ngan-hang-yeu-kem-ba-luu-y-quan-trong\/","title":{"rendered":"4.036. Chuy\u1ec3n giao b\u1eaft bu\u1ed9c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m: ba l\u01b0u \u00fd quan tr\u1ecdng."},"content":{"rendered":"

Chuy\u1ec3n giao b\u1eaft bu\u1ed9c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m: ba l\u01b0u \u00fd quan tr\u1ecdng.<\/strong><\/span><\/h4>\n
(KTSG) \u2013 Trong b\u1ed1i c\u1ea3nh ho\u1ea1t \u0111\u1ed9ng t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111ang c\u00f3 b\u01b0\u1edbc ti\u1ebfn m\u1edbi, c\u00e1c chuy\u00ean gia c\u0169ng nh\u1ea5n m\u1ea1nh ba b\u00e0i h\u1ecdc l\u1edbn r\u00fat ra t\u1eeb nh\u1eefng th\u01b0\u01a1ng v\u1ee5 x\u1eed l\u00fd trong giai \u0111o\u1ea1n qua.<\/em><\/strong><\/h5>\n
\"Chuy\u1ec3n

S\u1ef1 ph\u1ee9c t\u1ea1p k\u00e9o d\u00e0i trong ph\u00e1p l\u00fd c\u0169ng l\u00e0 m\u1ed9t nguy\u00ean nh\u00e2n quan tr\u1ecdng khi\u1ebfn c\u00e1c th\u01b0\u01a1ng v\u1ee5 t\u00e1i c\u1ea5u tr\u00fac ng\u00e0nh ng\u00e2n h\u00e0ng c\u00f3 nhi\u1ec1u tranh c\u00e3i. \u1ea2nh: DNCC<\/p><\/div>\n

\u0110\u1ea7u n\u0103m 2025, hai ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m l\u00e0 GPBank v\u00e0 DongABank l\u1ea7n l\u01b0\u1ee3t \u0111\u01b0\u1ee3c chuy\u1ec3n giao b\u1eaft bu\u1ed9c cho VPBank v\u00e0 HDBank, ti\u1ebfp n\u1ed1i s\u1ef1 ki\u1ec7n tr\u01b0\u1edbc \u0111\u00f3 l\u00e0 CBBank v\u00e0 Oceanbank \u0111\u01b0\u1ee3c chuy\u1ec3n giao cho Vietcombank v\u00e0 Ng\u00e2n h\u00e0ng MB. V\u1edbi m\u1ee5c ti\u00eau ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng y\u1ebfu, c\u00e1c ng\u00e2n h\u00e0ng “kh\u1ecfe” s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 l\u1ee3i \u00edch t\u1eeb c\u01a1 quan qu\u1ea3n l\u00fd.<\/p>\n

Cho \u0111\u1ebfn nay, \u0111\u00e3 c\u00f3 ba ng\u00e2n h\u00e0ng \u0111\u1ed5i ph\u00e1p l\u00fd th\u00e0nh ng\u00e2n h\u00e0ng tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n m\u1ed9t th\u00e0nh vi\u00ean, tr\u1edf th\u00e0nh ng\u00e2n h\u00e0ng con; hai ng\u00e2n h\u00e0ng tri\u1ec3n khai chi\u1ebfn l\u01b0\u1ee3c kinh doanh th\u00e0nh ng\u00e2n h\u00e0ng s\u1ed1, bao g\u1ed3m VCBNeo (CBBank \u0111\u1ed5i t\u00ean) v\u00e0 Vikki (DongABank \u0111\u1ed5i t\u00ean).<\/p>\n

C\u00f3 hai c\u00e2u h\u1ecfi trong di\u1ec5n bi\u1ebfn m\u1edbi n\u00e0y, m\u1ed9t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i kinh doanh hay kh\u00f4ng, hai l\u00e0 k\u1ecbch b\u1ea3n x\u1eed l\u00fd ti\u1ebfp theo c\u1ee7a c\u00e1c nh\u00e0 b\u0103ng nh\u01b0 th\u1ebf n\u00e0o, bao g\u1ed3m c\u1ea3 tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u1ec3 t\u00e1i c\u1ea5u tr\u00fac th\u00e0nh c\u00f4ng. D\u00f9 \u1edf trong tr\u01b0\u1eddng h\u1ee3p n\u00e0o, c\u00e1c chuy\u00ean gia c\u0169ng nh\u1ea5n m\u1ea1nh ba b\u00e0i h\u1ecdc l\u1edbn r\u00fat ra t\u1eeb h\u00e0ng lo\u1ea1t c\u00e1c th\u01b0\u01a1ng v\u1ee5 s\u00e1p nh\u1eadp, t\u00e1i c\u01a1 c\u1ea5u tr\u01b0\u1edbc \u0111\u00e2y, theo chia s\u1ebb 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 m\u1edbi \u0111\u00e2y.<\/p>\n

C\u1ea7n c\u00f3 \u201cti\u1ec1n th\u1eadt\u201d<\/strong><\/h5>\n

Trong 15 n\u0103m qua, Vi\u1ec7t Nam c\u00f3 nhi\u1ec1u th\u01b0\u01a1ng v\u1ee5 t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, tuy nhi\u00ean t\u1eadp trung b\u1ed1n gi\u1ea3i ph\u00e1p bao g\u1ed3m s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t, nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1edbi tham gia v\u00e0 chuy\u1ec3n giao b\u1eaft bu\u1ed9c. C\u00f3 nhi\u1ec1u b\u00e0i h\u1ecdc th\u00e0nh c\u00f4ng nh\u01b0ng c\u0169ng c\u00f3 th\u1ea5t b\u1ea1i.<\/p>\n

C\u00e1c chuy\u00ean gia c\u0169ng l\u01b0u \u00fd r\u1eb1ng v\u1ea5n \u0111\u1ec1 t\u00e1i c\u01a1 c\u1ea5u quan tr\u1ecdng l\u00e0 thi\u1ebfu ngu\u1ed3n l\u1ef1c \u0111\u1ec3 x\u1eed l\u00fd, t\u1eeb \u0111\u00f3 d\u1eabn \u0111\u1ebfn nh\u1eefng sai l\u1ea7m n\u1ed1i ti\u1ebfp khi vay n\u1ee3 m\u1edbi \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u0169 hay t\u0103ng v\u1ed1n, kh\u00f4ng c\u00f3 ngu\u1ed3n thu v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

Theo \u00f4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh, Gi\u1ea3ng vi\u00ean ch\u00ednh s\u00e1ch c\u00f4ng, \u0110\u1ea1i h\u1ecdc Fulbright, \u1edf nh\u1eefng tr\u01b0\u1eddng h\u1ee3p th\u1ea5t b\u1ea1i, l\u00fd do v\u00ec nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1edbi thi\u1ebfu ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh, t\u1eeb \u0111\u00f3 d\u1eabn \u0111\u1ebfn vi\u1ec7c t\u0103ng v\u1ed1n \u1ea3o. \u201cMu\u1ed1n t\u00e1i c\u01a1 c\u1ea5u m\u00e0 kh\u00f4ng d\u00f9ng ngu\u1ed3n l\u1ef1c th\u1ef1c th\u00ec l\u00e0 \u1ea3o, tay kh\u00f4ng b\u1eaft gi\u1eb7t\u201d, \u00f4ng Th\u00e0nh chia s\u1ebb. \u0110i\u1ec1u ki\u1ec7n l\u00e0 ng\u00e2n h\u00e0ng nh\u1eadn s\u00e1p nh\u1eadp s\u1ebd d\u00f9ng ngu\u1ed3n l\u1ef1c c\u1ee7a h\u1ecd \u0111\u1ec3 x\u1eed l\u00fd khi th\u1ea5y \u0111\u01b0\u1ee3c l\u1ee3i \u00edch.<\/p>\n

<\/h6>\n

Trong b\u1ed1i c\u1ea3nh t\u00e1i c\u01a1 c\u1ea5u c\u1ea7n \u201cti\u1ec1n th\u1eadt\u201d, c\u00e1ch gi\u1ea3i quy\u1ebft chung c\u1ee7a ng\u00e0nh l\u00e0 t\u0103ng t\u1ed1c t\u0103ng tr\u01b0\u1edfng nhanh trong 15 n\u0103m qua, t\u1ee9c l\u1ee3i nhu\u1eadn t\u01b0\u01a1ng lai \u0111\u1ec3 b\u00f9 \u0111\u1eafp thua l\u1ed7 qu\u00e1 kh\u1ee9. Tr\u00ean th\u1ef1c t\u1ebf, quy m\u00f4 t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u0103ng b\u00ecnh qu\u00e2n 5 l\u1ea7n trong v\u00f2ng 15 n\u0103m qua, ngay c\u1ea3 \u1edf nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 quy m\u00f4 nh\u1ecf.<\/p>\n

\u201cNh\u1eefng ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m th\u00ec gi\u1eef nguy\u00ean, c\u00f2n l\u1ea1i t\u0103ng r\u1ea5t nhanh \u0111\u1ec3 b\u00f9 \u0111\u1eafp cho nh\u1eefng ng\u00e2n h\u00e0ng c\u00f2n l\u1ea1i. \u0110i\u1ec1u n\u00e0y d\u00f9 mang l\u1ea1i th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi qu\u1ea3n l\u00fd h\u1ec7 th\u1ed1ng, nh\u01b0ng c\u0169ng l\u00e0 c\u01a1 h\u1ed9i, c\u01a1 s\u1edf \u0111\u1ec3 t\u00e1i c\u1ea5u tr\u00fac ng\u00e0nh\u201d, \u00f4ng Th\u00e0nh n\u00f3i.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, v\u1edbi nh\u1eefng th\u01b0\u01a1ng v\u1ee5 chuy\u1ec3n giao b\u1eaft bu\u1ed9c hi\u1ec7n nay, gi\u1edbi qu\u1ea3n l\u00fd k\u1ef3 v\u1ecdng v\u00e0o s\u1ef1 t\u0103ng tr\u01b0\u1edfng nhanh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng nh\u1eadn s\u00e1p nh\u1eadp, ch\u1ea5p nh\u1eadn \u0111\u1ed5i nh\u1eefng c\u01a1 ch\u1ebf \u01b0u \u0111\u00e3i. \u0110i\u1ec1u n\u00e0y c\u0169ng mang \u0111\u1ebfn \u0111\u1ed9ng c\u01a1 th\u1ef1c s\u1ef1 ph\u1ea3i t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m, nh\u01b0ng c\u0169ng ph\u1ea3i cam k\u1ebft trong k\u1ecbch b\u1ea3n kh\u00f4ng x\u1eed l\u00fd \u0111\u01b0\u1ee3c, \u00f4ng Th\u00e0nh n\u00eau.<\/p>\n

Tr\u00e1nh l\u1ee3i \u00edch nh\u00f3m v\u00e0 s\u1edf h\u1eefu ch\u00e9o<\/strong><\/h5>\n

Theo 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, ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m trong di\u1ec7n ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t l\u00e0 r\u1ea5t kh\u00f3, v\u00e0 th\u1ef1c t\u1ebf trong 10 n\u0103m qua k\u1ec3 t\u1eeb khi mua l\u1ea1i ng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng \u0111\u00e3 cho th\u1ea5y th\u1ef1c t\u1ebf c\u00e1ch th\u1ee9c n\u00e0y kh\u00f4ng th\u00e0nh c\u00f4ng.<\/p>\n

S\u1ef1 lo ng\u1ea1i m\u00e0 \u00f4ng Hi\u1ebfu n\u00eau l\u00ean n\u1eb1m \u1edf ch\u1ed7 c\u1ea7n th\u1eadn tr\u1ecdng h\u01a1n v\u1edbi m\u00f4 h\u00ecnh m\u1eb9 – con. R\u1ee7i ro n\u1eb1m \u1edf ch\u1ed7 c\u00e1c ng\u00e2n h\u00e0ng m\u1eb9 c\u00f3 th\u1ec3 \u201c\u0111\u1ea9y\u201d c\u00e1c kho\u1ea3n t\u00e0i s\u1ea3n x\u1ea5u v\u1ec1 ng\u00e2n h\u00e0ng con. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t r\u1ee7i ro h\u01a1n n\u1ebfu nh\u00f3m t\u1eadp \u0111o\u00e0n b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u1eddng l\u00e0 nh\u00f3m l\u1ee3i \u00edch t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 \u0111\u00e3 t\u1eebng g\u00e2y ra nhi\u1ec1u h\u1ec7 l\u1ee5y trong qu\u00e1 kh\u1ee9.<\/p>\n

C\u00f2n \u00f4ng Th\u00e0nh l\u01b0u \u00fd \u0111\u1ebfn vi\u1ec7c mu\u1ed1n t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng th\u00ec c\u1ea7n ph\u1ea3i gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 s\u1edf h\u1eefu ch\u00e9o. \u201cS\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t m\u00e0 kh\u00f4ng thay \u0111\u1ed5i \u0111\u01b0\u1ee3c nh\u00f3m c\u1ed5 \u0111\u00f4ng c\u0169 th\u00ec v\u1eabn th\u1ea5t b\u1ea1i, khi nguy\u00ean nh\u00e2n ch\u1ee7 y\u1ebfu \u0111\u1ebfn t\u1eeb vi\u1ec7c s\u1edf h\u1eefu ch\u00e9o l\u0169ng \u0111o\u1ea1n ng\u00e2n h\u00e0ng\u201d, \u00f4ng Th\u00e0nh nh\u00ecn nh\u1eadn.<\/p>\n

Th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay hi\u1ec7n c\u00f2n l\u1ea1i ng\u00e2n h\u00e0ng SCB sau khi b\u1ed1n ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m giai \u0111o\u1ea1n tr\u01b0\u1edbc \u0111\u00e3 c\u00f3 \u0111\u1ecba ch\u1ec9 m\u1edbi. Th\u00f4ng tin li\u00ean quan g\u1ea7n \u0111\u00e2y cho th\u1ea5y m\u1ed9t t\u1eadp \u0111o\u00e0n t\u01b0 nh\u00e2n, t\u1ee9c doanh nghi\u1ec7p phi t\u00e0i ch\u00ednh, mu\u1ed1n tham gia t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng trong v\u00f2ng 15 n\u0103m. Vi\u1ec7c \u201cchuy\u1ec3n giao b\u1eaft bu\u1ed9c\u201d c\u00f2n g\u00e2y nhi\u1ec1u tranh c\u00e3i, nh\u01b0ng b\u00e0i h\u1ecdc r\u00fat ra l\u00e0 ph\u1ea3i c\u00f3 \u201cth\u1ef1c l\u1ef1c\u201d v\u00e0 kh\u00f4ng thao t\u00fang theo ki\u1ec3u \u201ch\u1ec7 sinh th\u00e1i\u201d.<\/p>\n

Nh\u1eefng lo ng\u1ea1i kh\u00e1c<\/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> n\u00f3i vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng c\u00f3 b\u01b0\u1edbc ti\u1ebfn m\u1edbi quan tr\u1ecdng, khi chuy\u1ec3n m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m sang ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n, \u0111\u1ed3ng th\u1eddi chuy\u1ec3n ph\u00e1p l\u00fd th\u00e0nh ng\u00e2n h\u00e0ng tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n. Tuy nhi\u00ean, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd trong d\u00e0i h\u1ea1n.<\/em><\/h5>\n

Ch\u1eb3ng h\u1ea1n, trong v\u1ea5n \u0111\u1ec1 chuy\u1ec3n giao sang nh\u00f3m ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n th\u00ec l\u1ea1i ch\u01b0a th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u00e2y l\u00e0 m\u1ed1i quan h\u1ec7 ph\u00e1p l\u00fd, kh\u00e1c bi\u1ec7t v\u1edbi vi\u1ec7c chuy\u1ec3n giao \u201c0 \u0111\u1ed3ng\u201d cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. T\u1eeb \u0111\u00f3 d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f3 x\u00e1c \u0111\u1ecbnh m\u1ed1i quan h\u1ec7 kinh t\u1ebf c\u1ee7a ng\u00e2n h\u00e0ng m\u1eb9 – con, theo \u00f4ng \u0110\u1ee9c.<\/em><\/p>\n

\u201cV\u1ea5n \u0111\u1ec1 quan tr\u1ecdng l\u00e0 ph\u1ea3i v\u1eefng v\u1ec1 ph\u00e1p l\u00fd v\u00e0 c\u1ea3 kinh t\u1ebf th\u00ec m\u1edbi c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft hi\u1ec7u qu\u1ea3 vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u ng\u00e0nh ng\u00e2n h\u00e0ng. N\u00ean \u0111\u1ecbnh h\u00ecnh xa h\u01a1n ch\u1ee9 kh\u00f4ng n\u00ean loay hoay v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p ch\u1eefa ch\u00e1y\u201d, \u00f4ng \u0110\u1ee9c nh\u00ecn nh\u1eadn.<\/em><\/p>\n

S\u1ef1 t\u00ednh to\u00e1n r\u00f5 r\u00e0ng gi\u1eefa ng\u00e2n h\u00e0ng m\u1eb9 – con c\u0169ng l\u00e0 \u0111i\u1ec1u \u00f4ng Hi\u1ebfu \u0111\u1eb7t v\u1ea5n \u0111\u1ec1. Ch\u1eb3ng h\u1ea1n n\u1ebfu nh\u01b0 ng\u00e2n h\u00e0ng m\u1eb9 \u0111\u1ea7u t\u01b0 v\u00e0o ng\u00e2n h\u00e0ng con, th\u00ec d\u00f2ng ti\u1ec1n \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c h\u1ea1ch to\u00e1n nh\u01b0 th\u1ebf n\u00e0o, trong b\u1ed1i c\u1ea3nh c\u00e1c ng\u00e2n h\u00e0ng m\u1eb9 \u0111\u01b0\u1ee3c nh\u1eefng \u01b0u \u0111\u00e3i v\u1ec1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh, ch\u1eb3ng h\u1ea1n mi\u1ec5n h\u1ee3p nh\u1ea5t s\u1ed1 li\u1ec7u ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m.<\/p>\n

B\u00ean c\u1ea1nh nghi ng\u1ea1i v\u1ec1 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng con trong b\u1ed1i c\u1ea3nh nhi\u1ec1u ng\u00e2n h\u00e0ng nh\u1ecf c\u0169ng \u0111ang g\u1eb7p kh\u00f3 kh\u0103n, v\u1ea5n \u0111\u1ec1 c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd l\u00e0 ph\u1ea3i t\u0103ng c\u01b0\u1eddng qu\u1ea3n l\u00fd \u0111\u1eb7c bi\u1ec7t. Trong \u0111\u00f3, NHNN kh\u00f4ng ch\u1ec9 gi\u1eef vai tr\u00f2 l\u00e0 ng\u01b0\u1eddi cho vay cu\u1ed1i c\u00f9ng, m\u00e0 c\u1ea7n c\u00f3 khung qu\u1ea3n l\u00fd, thanh tra gi\u00e1m s\u00e1t ph\u00f9 h\u1ee3p. Theo \u0111\u00f3, \u00f4ng Th\u00e0nh nh\u1ea5n m\u1ea1nh c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay \u0111ang ho\u1ea1t \u0111\u1ed9ng nh\u01b0 \u201csi\u00eau th\u1ecb t\u00e0i ch\u00ednh\u201d nhi\u1ec1u d\u1ecbch v\u1ee5, nh\u01b0ng b\u1ea3n th\u00e2n ch\u1ecbu s\u1ef1 ki\u1ec3m so\u00e1t ri\u00eang bi\u1ec7t t\u1eeb ph\u00eda c\u00e1c \u0111\u01a1n v\u1ecb kh\u00e1c nhau, g\u1ed3m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, ch\u1ee9ng kho\u00e1n hay b\u1ea3o hi\u1ec3m.<\/p>\n

D\u0169ng Nguy\u1ec5n<\/strong><\/h5>\n

————-<\/em><\/p>\n

Kinh t\u1ebf S\u00e0i G\u00f2n (Ng\u00e2n h\u00e0ng) ng\u00e0y 14-4-202<\/em><\/strong>5<\/em><\/strong>:<\/em><\/strong><\/p>\n

https:\/\/thesaigontimes.vn\/chuyen-giao-bat-buoc-ngan-hang-yeu-kem-ba-luu-y-quan-trong\/<\/a><\/em><\/p>\n

(175\/1.361)<\/em>","protected":false},"excerpt":{"rendered":"

Chuy\u1ec3n giao b\u1eaft bu\u1ed9c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m: ba l\u01b0u \u00fd quan tr\u1ecdng. (KTSG) \u2013 Trong b\u1ed1i c\u1ea3nh ho\u1ea1t \u0111\u1ed9ng t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111ang c\u00f3 b\u01b0\u1edbc ti\u1ebfn m\u1edbi, c\u00e1c chuy\u00ean gia c\u0169ng nh\u1ea5n m\u1ea1nh ba b\u00e0i h\u1ecdc l\u1edbn r\u00fat ra t\u1eeb nh\u1eefng th\u01b0\u01a1ng v\u1ee5 x\u1eed l\u00fd trong giai \u0111o\u1ea1n qua. […]<\/p>\n","protected":false},"author":2,"featured_media":47320,"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-47319","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":"\n4.036. 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