{"id":47347,"date":"2025-04-17T19:59:44","date_gmt":"2025-04-17T12:59:44","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=47347"},"modified":"2025-04-23T11:41:50","modified_gmt":"2025-04-23T04:41:50","slug":"4-038-chuyen-giao-ngan-hang-yeu-kem-can-thuc-chat-hon","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-038-chuyen-giao-ngan-hang-yeu-kem-can-thuc-chat-hon\/","title":{"rendered":"4.038. Chuy\u1ec3n giao ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m c\u1ea7n th\u1ef1c ch\u1ea5t h\u01a1n."},"content":{"rendered":"

Chuy\u1ec3n giao ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m c\u1ea7n th\u1ef1c ch\u1ea5t h\u01a1n.<\/strong><\/span><\/h4>\n
(TN) – C\u00e1c chuy\u00ean gia cho r\u1eb1ng, vi\u1ec7c chuy\u1ec3n giao b\u1eaft bu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m hi\u1ec7n nay ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi, nh\u1eb1m “mua th\u1eddi gian”. \u0110\u1ec3 qu\u00e1 tr\u00ecnh n\u00e0y th\u1eadt s\u1ef1 hi\u1ec7u qu\u1ea3, vi\u1ec7c n\u00e2ng cao t\u00ednh minh b\u1ea1ch, hi\u1ec7u qu\u1ea3 v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro l\u00e0 \u0111i\u1ec1u v\u00f4 c\u00f9ng c\u1ea5p thi\u1ebft.<\/h5>\n
\"Chuy\u1ec3n

Giao d\u1ecbch t\u1ea1i Ng\u00e2n h\u00e0ng Oceanbank. \u1ea2nh: NGUY\u1ec6T ANH<\/p><\/div>\n

M\u1edbi \u0111\u00e2y, b\u1ed1n ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n giao b\u1eaft bu\u1ed9c cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. C\u1ee5 th\u1ec3, Vietcombank ti\u1ebfp nh\u1eadn CBBank v\u00e0 \u0111\u1ed5i t\u00ean th\u00e0nh ng\u00e2n h\u00e0ng s\u1ed1 VCBNeo; HDBank nh\u1eadn chuy\u1ec3n giao DongABank, \u0111\u1ed5i t\u00ean th\u00e0nh Vikki Bank. MB ti\u1ebfp nh\u1eadn Oceanbank v\u00e0 t\u00e1i c\u1ea5u tr\u00fac th\u00e0nh ng\u00e2n h\u00e0ng s\u1ed1 MBV; GPBank \u0111\u01b0\u1ee3c chuy\u1ec3n giao v\u1ec1 VPBank. Tuy nhi\u00ean, c\u00e1c chuy\u00ean gia cho r\u1eb1ng, c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i kh\u00f4ng kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1ch x\u1eed l\u00fd ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m trong 15 n\u0103m qua.<\/p>\n

\u201cB\u00ecnh m\u1edbi, r\u01b0\u1ee3u c\u0169\u201d<\/strong><\/h5>\n

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?”, \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, \u0111\u00e3 chia s\u1ebb r\u1eb1ng, kh\u00e1c v\u1edbi nhi\u1ec1u qu\u1ed1c gia, Vi\u1ec7t Nam mu\u1ed1n gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m m\u00e0 kh\u00f4ng s\u1eed d\u1ee5ng ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc. V\u00ec v\u1eady, trong su\u1ed1t 15 n\u0103m qua, gi\u1ea3i ph\u00e1p ch\u1ee7 y\u1ebfu c\u1ee7a ch\u00fang ta l\u00e0 “mua th\u1eddi gian”.<\/p>\n

L\u00fd gi\u1ea3i nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng y\u1ebfu k\u00e9m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y, \u00f4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh cho r\u1eb1ng, do s\u1ef1 thao t\u00fang t\u1eeb nh\u00f3m c\u1ed5 \u0111\u00f4ng l\u1edbn. Nh\u1eefng c\u1ed5 \u0111\u00f4ng n\u00e0y ki\u1ec3m so\u00e1t ng\u00e2n h\u00e0ng th\u00f4ng qua t\u1ef7 l\u1ec7 s\u1edf h\u1eefu cao v\u00e0 m\u00f4 h\u00ecnh s\u1edf h\u1eefu ch\u00e9o, l\u00e0m suy y\u1ebfu c\u00e1c quy \u0111\u1ecbnh an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n

\u0110i\u1ec1u n\u00e0y t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u00e2n h\u00e0ng d\u1ec5 d\u00e0ng c\u1ea5p t\u00edn d\u1ee5ng cho c\u00e1c doanh nghi\u1ec7p v\u00e0 d\u1ef1 \u00e1n trong c\u00f9ng “h\u1ec7 sinh th\u00e1i”, d\u00f9 c\u00e1c ho\u1ea1t \u0111\u1ed9ng n\u00e0y th\u01b0\u1eddng k\u00e9m hi\u1ec7u qu\u1ea3. K\u1ebft qu\u1ea3 l\u00e0 t\u00edn d\u1ee5ng bi\u1ebfn th\u00e0nh n\u1ee3 x\u1ea5u, bu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i t\u00e1i c\u01a1 c\u1ea5u \u0111\u1ec3 tr\u00e1nh nguy c\u01a1 \u0111\u1ed5 v\u1ee1.<\/p>\n

“C\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m s\u00e1p nh\u1eadp v\u00e0 h\u1ee3p nh\u1ea5t \u0111\u1ec3 t\u1ea1o ra m\u1ed9t ng\u00e2n h\u00e0ng l\u1edbn h\u01a1n, nh\u01b0ng v\u1eabn gi\u1eef nguy\u00ean s\u1ef1 y\u1ebfu k\u00e9m. Nh\u00f3m c\u1ed5 \u0111\u00f4ng thi\u1ebfu n\u0103ng l\u1ef1c, nguy\u00ean nh\u00e2n ch\u00ednh d\u1eabn \u0111\u1ebfn s\u1ef1 y\u1ebfu k\u00e9m, v\u1eabn n\u1eafm quy\u1ec1n ki\u1ec3m so\u00e1t. Khi t\u00e1i c\u01a1 c\u1ea5u v\u00e0 s\u00e1p nh\u1eadp m\u00e0 kh\u00f4ng thay \u0111\u1ed5i c\u01a1 c\u1ea5u c\u1ed5 \u0111\u00f4ng, v\u1ea5n \u0111\u1ec1 g\u1ed1c r\u1ec5 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft”, \u00f4ng Nguy\u1ec5n Xu\u00e2n Th\u00e0nh chia s\u1ebb.<\/p>\n

D\u1eabn ch\u1ee9ng m\u1ed9t th\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh v\u1ec1 “sai l\u1ea7m” trong qu\u00e1 tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh, chia s\u1ebb v\u1ec1 vi\u1ec7c Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n (SCB) \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp d\u1ef1a tr\u00ean s\u1ef1 h\u1ee3p nh\u1ea5t t\u1ef1 nguy\u1ec7n gi\u1eefa ba ng\u00e2n h\u00e0ng: SCB, Ng\u00e2n h\u00e0ng TMCP \u0110\u1ec7 Nh\u1ea5t (Ficombank) v\u00e0 Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam T\u00edn Ngh\u0129a (TinNghiaBank).<\/p>\n

Sau 10 n\u0103m t\u00e1i c\u01a1 c\u1ea5u, t\u00ednh \u0111\u1ebfn ng\u00e0y 30\/9\/2021, t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a SCB \u0111\u1ea1t 673.000 t\u1ef7 \u0111\u1ed3ng, v\u1ed1n \u0111i\u1ec1u l\u1ec7 h\u01a1n 20.000 t\u1ef7 \u0111\u1ed3ng, v\u1edbi 239 \u0111i\u1ec3m giao d\u1ecbch, m\u1ea1ng l\u01b0\u1edbi ph\u1ee7 r\u1ed9ng kh\u1eafp 28 t\u1ec9nh, th\u00e0nh ph\u1ed1 v\u00e0 h\u01a1n 7.000 nh\u00e2n vi\u00ean. Tuy nhi\u00ean, \u0111\u1eb1ng sau s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd n\u00e0y l\u00e0 th\u1ef1c t\u1ebf SCB \u0111\u00e3 b\u1ecb ph\u00e1t hi\u1ec7n tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh ph\u1ee5c v\u1ee5 cho b\u00e0 Tr\u01b0\u01a1ng M\u1ef9 Lan v\u00e0 T\u1eadp \u0111o\u00e0n V\u1ea1n Th\u1ecbnh Ph\u00e1t, d\u1eabn \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.<\/p>\n

V\u1edbi c\u00e1c \u201cng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng\u201d, k\u1ec3 t\u1eeb khi \u0111\u01b0\u1ee3c mua l\u1ea1i t\u1eeb n\u0103m 2015, OceanBank v\u00e0 Ng\u00e2n h\u00e0ng X\u00e2y d\u1ef1ng \u0111\u00e3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi kho\u1ea3n l\u1ed7 l\u0169y k\u1ebf l\u00ean \u0111\u1ebfn h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, ch\u1ee7 y\u1ebfu do c\u00e1c kho\u1ea3n vay \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty s\u00e2n sau, khi\u1ebfn v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y \u00e2m t\u1edbi h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. Sau 10 n\u0103m, t\u00ednh \u0111\u1ebfn n\u0103m 2024, c\u1ea3 b\u1ed1n ng\u00e2n h\u00e0ng n\u00e0y v\u1eabn kh\u00f4ng th\u1ec3 h\u1ed3i ph\u1ee5c v\u00e0 ti\u1ebfp t\u1ee5c thua l\u1ed7.<\/p>\n

TS Hi\u1ebfu c\u0169ng b\u00e0y t\u1ecf lo ng\u1ea1i v\u1ec1 v\u1ea5n \u0111\u1ec1 minh b\u1ea1ch v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c nguy\u00ean t\u1eafc t\u00e0i ch\u00ednh khi s\u1ed1 li\u1ec7u t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ee3p nh\u1ea5t v\u00e0o \u0111\u01a1n v\u1ecb nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng. Trong khi \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng chuy\u1ec3n giao. \u0110\u1eb7c bi\u1ec7t, c\u00f3 th\u1ec3 x\u1ea3y ra t\u00ecnh tr\u1ea1ng c\u00e1c ng\u00e2n h\u00e0ng m\u1eb9 “\u0111\u1ea9y” c\u00e1c t\u00e0i s\u1ea3n x\u1ea5u v\u1ec1 ng\u00e2n h\u00e0ng con, g\u00e2y ra nhi\u1ec1u h\u1ec7 l\u1ee5y nghi\u00eam tr\u1ecdng.<\/p>\n

C\u00f9ng quan \u0111i\u1ec3m, <\/em>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>\u00a0cho r\u1eb1ng, vi\u1ec7c chuy\u1ec3n giao b\u1eaft bu\u1ed9c 4 ng\u00e2n h\u00e0ng g\u1ea7n \u0111\u00e2y kh\u00f4ng kh\u00e1c bi\u1ec7t so v\u1edbi ph\u01b0\u01a1ng \u00e1n “Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc mua l\u1ea1i 0 \u0111\u1ed3ng” t\u1eebng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng h\u00e0ng ch\u1ee5c n\u0103m tr\u01b0\u1edbc. \u0110\u00e2y ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p t\u00ecnh th\u1ebf, kh\u00f4ng ph\u1ea3i gi\u1ea3i ph\u00e1p l\u00e2u d\u00e0i. Th\u1ef1c t\u1ebf cho th\u1ea5y, \u0111\u1ebfn nay c\u00e1c \u201cng\u00e2n h\u00e0ng 0 \u0111\u1ed3ng\u201d v\u1eabn thi\u1ebfu th\u00f4ng tin c\u00f4ng khai v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 ho\u1ea1t \u0111\u1ed9ng.<\/em><\/h5>\n
C\u1ea7n gi\u1ea3i ph\u00e1p d\u00e0i h\u1ea1n<\/strong><\/h5>\n

D\u1ef1a tr\u00ean kinh nghi\u1ec7m t\u1eeb qu\u00e1 tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m, \u00f4ng Th\u00e0nh cho r\u1eb1ng Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n gi\u1eef vai tr\u00f2 “ng\u01b0\u1eddi cho vay cu\u1ed1i c\u00f9ng” \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m thanh kho\u1ea3n v\u00e0 duy tr\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh cho h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh. Qu\u00e1 tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u c\u1ea7n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ef1a tr\u00ean ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh th\u1ef1c ch\u1ea5t, c\u00f3 th\u1ec3 \u0111\u1ebfn t\u1eeb Nh\u00e0 n\u01b0\u1edbc ho\u1eb7c c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u01b0 nh\u00e2n, thay v\u00ec ch\u1ec9 mang t\u00ednh h\u00ecnh th\u1ee9c.<\/p>\n

M\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng kh\u00e1c l\u00e0 c\u1ea7n gi\u1ea3m d\u1ea7n t\u00ecnh tr\u1ea1ng s\u1edf h\u1eefu ch\u00e9o trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u1ec3 n\u00e2ng cao t\u00ednh minh b\u1ea1ch v\u00e0 hi\u1ec7u qu\u1ea3 trong qu\u1ea3n tr\u1ecb. \u0110\u1ed3ng th\u1eddi, c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng thanh tra v\u00e0 gi\u00e1m s\u00e1t c\u00f3 t\u00ednh h\u1ee3p nh\u1ea5t cao, \u0111\u1ee7 n\u0103ng l\u1ef1c ki\u1ec3m so\u00e1t \u0111\u1ed3ng th\u1eddi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 th\u1ecb tr\u01b0\u1eddng v\u1ed1n, t\u1eeb \u0111\u00f3 ph\u00e1t hi\u1ec7n s\u1edbm v\u00e0 ng\u0103n ng\u1eeba c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n.<\/p>\n

Trong khi \u0111\u00f3, <\/em>Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a> cho r\u1eb1ng, c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd c\u1ea7n t\u00ecm ki\u1ebfm nh\u1eefng gi\u1ea3i ph\u00e1p d\u00e0i h\u1ea1n nh\u01b0 h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, ho\u1eb7c th\u1eadm ch\u00ed t\u00e1i c\u1ed5 ph\u1ea7n h\u00f3a, v\u00e0 khi c\u1ea7n thi\u1ebft, l\u00e0 ph\u00e1 s\u1ea3n, \u0111\u1ec3 tr\u00e1nh l\u00e3ng ph\u00ed th\u1eddi gian m\u00e0 kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 trong t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m.<\/em><\/h5>\n

V\u1edbi kinh nghi\u1ec7m qu\u1ed1c t\u1ebf, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho bi\u1ebft, vi\u1ec7c ph\u00e1 s\u1ea3n ng\u00e2n h\u00e0ng \u1edf M\u1ef9 l\u00e0 chuy\u1ec7n di\u1ec5n ra th\u01b0\u1eddng xuy\u00ean. Quy tr\u00ecnh s\u00e1p nh\u1eadp v\u00e0 t\u00e1i c\u01a1 c\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i M\u1ef9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t v\u00e0 ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd li\u00ean bang v\u00e0 ti\u1ec3u bang, bao g\u1ed3m FED, FDIC v\u00e0 OCC (C\u01a1 quan T\u1ed5ng ki\u1ec3m so\u00e1t ti\u1ec1n t\u1ec7). T\u1ea1i M\u1ef9, khi m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 h\u1ec7 s\u1ed1 CAR d\u01b0\u1edbi 3%, c\u00e1c c\u01a1 quan thanh tra s\u1ebd ph\u00e1t h\u00e0nh l\u1ec7nh C&D (Cease and desist order) v\u00e0 y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng b\u1ed5 sung v\u1ed1n trong v\u00f2ng 3-6 th\u00e1ng.<\/p>\n

N\u1ebfu sau th\u1eddi gian n\u00e0y ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u1ea1t m\u1ee9c CAR 8%, FDIC s\u1ebd ti\u1ebfp qu\u1ea3n ng\u00e2n h\u00e0ng. Sau khi ti\u1ebfp qu\u1ea3n, FDIC s\u1ebd b\u00e1n ng\u00e2n h\u00e0ng cho b\u00ean mua ho\u1eb7c, n\u1ebfu kh\u00f4ng c\u00f3 ng\u01b0\u1eddi mua, s\u1ebd ti\u1ebfn h\u00e0nh th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n. Vi\u1ec7c m\u1edf th\u1ee7 t\u1ee5c ph\u00e1 s\u1ea3n l\u00e0 m\u1ed9t ph\u01b0\u01a1ng \u00e1n ph\u1ed5 bi\u1ebfn \u1edf M\u1ef9 \u0111\u1ec3 lo\u1ea1i b\u1ecf c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m. Trong n\u0103m 2023, ba ng\u00e2n h\u00e0ng l\u1edbn nh\u01b0 Silicon Valley Bank (SVB), Silvergate Bank v\u00e0 Signature Bank \u0111\u00e3 tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n.<\/p>\n

\u00d4ng Hi\u1ebfu c\u0169ng ch\u1ec9 ra m\u1ed9t s\u1ed1 b\u1ea5t c\u1eadp hi\u1ec7n nay trong c\u00e1c quy \u0111\u1ecbnh li\u00ean quan t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng. \u0110\u1ec3 qu\u00e1 tr\u00ecnh chuy\u1ec3n giao ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m \u0111\u1ea1t hi\u1ec7u qu\u1ea3, \u00f4ng cho r\u1eb1ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a ng\u00e2n h\u00e0ng t\u00e1i c\u01a1 c\u1ea5u c\u1ea7n ph\u1ea3i t\u1ed1i thi\u1ec3u \u0111\u1ea1t 3.000 t\u1ef7 \u0111\u1ed3ng v\u00e0 ph\u1ea3i c\u00f3 s\u1ef1 b\u1ea3o l\u00e3nh t\u1eeb ng\u00e2n h\u00e0ng m\u1eb9 \u0111\u1ed1i v\u1edbi to\u00e0n b\u1ed9 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i ng\u00e2n h\u00e0ng con.<\/p>\n

Theo \u0110i\u1ec1u 185 c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024, b\u00ean nh\u1eadn chuy\u1ec3n giao s\u1edf h\u1eefu to\u00e0n b\u1ed9 v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng c\u1ea7n ph\u1ea3i h\u1ee3p nh\u1ea5t b\u00e1o c\u00e1o t\u00e0i ch\u00ednh, c\u0169ng nh\u01b0 kh\u00f4ng t\u00ednh ng\u00e2n h\u00e0ng con v\u00e0o t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n h\u1ee3p nh\u1ea5t. Tuy nhi\u00ean, \u00f4ng Hi\u1ebfu cho r\u1eb1ng quy \u0111\u1ecbnh n\u00e0y ch\u01b0a ph\u00f9 h\u1ee3p th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf v\u00e0 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u00e1o c\u00e1o t\u00e0i ch\u00ednh b\u1ecb b\u00f3p m\u00e9o, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi kh\u00f4ng ghi nh\u1eadn c\u00e1c kho\u1ea3n l\u1ed7 l\u0169y k\u1ebf. Vi\u1ec7c kh\u00f4ng ph\u1ea3n \u00e1nh ch\u00ednh x\u00e1c t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m ni\u1ec1m tin c\u1ee7a c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. \u0110\u1ed3ng th\u1eddi, c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng chuy\u1ec3n giao hi\u1ec7n ch\u1ec9 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u1edf m\u1ee9c r\u1ea5t h\u1ea1n ch\u1ebf, g\u00e2y ra nguy c\u01a1 r\u1ee7i ro l\u1edbn \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00e2n.<\/p>\n

Nh\u00ecn chung, t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng l\u00e0 qu\u00e1 tr\u00ecnh d\u00e0i h\u1ea1n, \u0111\u00f2i h\u1ecfi s\u1ef1 ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd gi\u1eefa c\u01a1 quan qu\u1ea3n l\u00fd, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 x\u00e3 h\u1ed9i. N\u1ebfu kh\u00f4ng minh b\u1ea1ch v\u00e0 hi\u1ec7u qu\u1ea3, qu\u00e1 tr\u00ecnh n\u00e0y kh\u00f3 c\u00f3 th\u1ec3 t\u1ea1o ra thay \u0111\u1ed5i th\u1ef1c ch\u1ea5t v\u00e0 b\u1ec1n v\u1eefng cho to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng qu\u1ed1c gia.<\/p>\n

Hi\u1ec7n nay, nhi\u1ec1u ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc \u0111ang chuy\u1ec3n m\u00ecnh theo m\u00f4 h\u00ecnh t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh, v\u1edbi ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng ch\u1ec9 gi\u1edbi h\u1ea1n trong l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng, m\u00e0 c\u00f2n m\u1edf r\u1ed9ng sang c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 b\u1ea3o hi\u1ec3m, ch\u1ee9ng kho\u00e1n v\u00e0 \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. V\u00ec v\u1eady, c\u1ea7n thi\u1ebft ph\u1ea3i c\u00f3 m\u1ed9t c\u01a1 ch\u1ebf ph\u1ed1i h\u1ee3p gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd, to\u00e0n di\u1ec7n v\u00e0 linh ho\u1ea1t h\u01a1n, nh\u1eb1m ph\u00e1t hi\u1ec7n v\u00e0 ng\u0103n ch\u1eb7n k\u1ecbp th\u1eddi c\u00e1c h\u00e0nh vi vi ph\u1ea1m trong c\u1ea3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng l\u1eabn 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

Thu\u1ef3 Linh<\/strong><\/p>\n

————-<\/em><\/p>\n

Th\u1eddi<\/em><\/strong> nay<\/em><\/strong> (Kinh<\/em><\/strong> t\u1ebf<\/em><\/strong>) ng\u00e0y <\/em><\/strong>17-4<\/em><\/strong>-202<\/em><\/strong>5<\/em><\/strong>:<\/em><\/strong><\/p>\n

https:\/\/nhandan.vn\/chuyen-giao-ngan-hang-yeu-kem-can-thuc-chat-hon-post873159.html<\/a><\/em><\/p>\n

(<\/em>149\/1.706<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Chuy\u1ec3n giao ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m c\u1ea7n th\u1ef1c ch\u1ea5t h\u01a1n. (TN) – C\u00e1c chuy\u00ean gia cho r\u1eb1ng, vi\u1ec7c chuy\u1ec3n giao b\u1eaft bu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m hi\u1ec7n nay ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi, nh\u1eb1m “mua th\u1eddi gian”. \u0110\u1ec3 qu\u00e1 tr\u00ecnh n\u00e0y th\u1eadt s\u1ef1 hi\u1ec7u qu\u1ea3, vi\u1ec7c n\u00e2ng cao t\u00ednh minh b\u1ea1ch, hi\u1ec7u qu\u1ea3 […]<\/p>\n","protected":false},"author":2,"featured_media":47348,"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-47347","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":"\n4.038. Chuy\u1ec3n giao ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m c\u1ea7n th\u1ef1c ch\u1ea5t h\u01a1n. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Chuy\u1ec3n giao ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m c\u1ea7n th\u1ef1c ch\u1ea5t h\u01a1n | Vi\u1ec7c n\u00e2ng cao t\u00ednh minh b\u1ea1ch, hi\u1ec7u qu\u1ea3 v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro l\u00e0 \u0111i\u1ec1u v\u00f4 c\u00f9ng c\u1ea5p thi\u1ebft.\" \/>\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\/vi\/4-038-chuyen-giao-ngan-hang-yeu-kem-can-thuc-chat-hon\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.038. 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