{"id":6245386,"date":"2021-11-03T07:29:43","date_gmt":"2021-11-03T07:29:43","guid":{"rendered":"https:\/\/yp.vn\/?p=6245386"},"modified":"2021-11-03T14:29:43","modified_gmt":"2021-11-03T07:29:43","slug":"de-xuat-noi-room-ngoai-cho-cac-ngan-hang-thuong-mai","status":"publish","type":"post","link":"https:\/\/yp.com.vn\/de-xuat-noi-room-ngoai-cho-cac-ngan-hang-thuong-mai\/","title":{"rendered":"\u0110\u1ec1 xu\u1ea5t n\u1edbi “room” ngo\u1ea1i cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i"},"content":{"rendered":"

Nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 chuy\u00ean gia \u0111\u1ec1 xu\u1ea5t: Nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u00e3 ho\u00e0n th\u00e0nh Basel II, \u0111ang n\u00e2ng cao l\u00ean Basel III c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c n\u00e2ng t\u1ef7 l\u1ec7 g\u00f3p v\u1ed1n c\u1ed5 \u0111\u00f4ng n\u01b0\u1edbc ngo\u00e0i l\u00ean cao h\u01a1n t\u1ef7 l\u1ec7 30%.<\/h3>\n

M\u1edbi \u0111\u00e2y, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA) v\u00e0 c\u00e1c chuy\u00ean gia c\u1ee7a Vi\u1ec7n Nghi\u00ean c\u1ee9u Qu\u1ea3n l\u00fd Kinh t\u1ebf Trung \u01b0\u01a1ng (CIEM) \u0111\u00e3 c\u00f3 bu\u1ed5i l\u00e0m vi\u1ec7c v\u1ec1 d\u1ef1 th\u1ea3o b\u00e1o c\u00e1o “Nghi\u00ean c\u1ee9u t\u00ednh c\u1ea7n thi\u1ebft c\u1ee7a vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh t\u0103ng gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng”.<\/p>\n

T\u1eeb n\u0103m 2017 \u0111\u1ebfn n\u0103m 2020, s\u1ed1 l\u01b0\u1ee3ng c\u1ed5 \u0111\u00f4ng n\u01b0\u1edbc ngo\u00e0i t\u1ea1i 16 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 t\u0103ng t\u1eeb 42 t\u1ed5 ch\u1ee9c l\u00ean x\u1ea5p x\u1ec9 90 t\u1ed5 ch\u1ee9c. H\u1ecd l\u00e0 nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn, ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh m\u1ea1nh, tr\u00ecnh \u0111\u1ed9 qu\u1ea3n tr\u1ecb mang t\u1ea7m v\u00f3c qu\u1ed1c t\u1ebf v\u00e0 khu v\u1ef1c; nh\u1edd \u0111\u00f3 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u0103ng qui m\u00f4 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu, t\u0103ng n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, n\u0103ng l\u1ef1c c\u1ea1nh tranh, \u0111\u1ea9y nhanh ti\u1ebfn \u0111\u1ed9 x\u1eed l\u00fd n\u1ee3 x\u1ea5u.<\/p>\n

Tuy nhi\u00ean. c\u00e1c chuy\u00ean gia cho r\u1eb1ng n\u1ebfu so v\u1edbi con s\u1ed1 31 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111ang hi\u1ec7n di\u1ec7n \u1edf n\u01b0\u1edbc ta th\u00ec s\u1ed1 16 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 c\u1ed5 \u0111\u00f4ng chi\u1ebfn l\u01b0\u1ee3c c\u00f2n r\u1ea5t khi\u00eam t\u1ed1n. Mu\u1ed1n g\u00f3p ph\u1ea7n t\u1ea1o \u0111\u1ed9ng l\u1ef1c ph\u00e1t tri\u1ec3n kinh t\u1ebf x\u00e3 h\u1ed9i, th\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t k\u00eanh g\u1ecdi v\u1ed1n c\u1ef1c k\u1ef3 quan tr\u1ecdng, \u0111\u1eb7c bi\u1ec7t trong th\u1eddi k\u1ef3 c\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u0111\u1ea9y m\u1ea1nh chuy\u1ec3n \u0111\u1ed5i s\u1ed1, t\u0103ng t\u1ed1c \u00e1p d\u1ee5ng ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7 thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i, m\u1edf r\u1ed9ng d\u1ecbch v\u1ee5 ti\u1ec7n \u00edch, ph\u1ed5 c\u1eadp t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n.<\/p>\n

C\u00f9ng c\u00f3 quan \u0111i\u1ec3m gi\u1ed1ng nh\u01b0 c\u00e1c chuy\u00ean gia Vi\u1ec7n Nghi\u00ean c\u1ee9u Qu\u1ea3n l\u00fd kinh t\u1ebf Trung \u01b0\u01a1ng, nhi\u1ec1u ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho r\u1eb1ng, vi\u1ec7c t\u00ecm ki\u1ebfm, l\u1ef1a ch\u1ecdn c\u00e1c \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u00e3 kh\u00f3, nh\u01b0ng khi \u0111\u00e0m ph\u00e1n \u0111\u1ec3 \u0111i \u0111\u1ebfn k\u1ebft qu\u1ea3 chung cu\u1ed9c, th\u00ec v\u01b0\u1edbng m\u1eafc l\u1edbn nh\u1ea5t t\u1eadp trung v\u00e0o t\u1ef7 l\u1ec7 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu.<\/p>\n

Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 01\/2014\/N\u0110-CP v\u1ec1 vi\u1ec7c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i mua c\u1ed5 ph\u1ea7n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 20 th\u00e1ng 02 n\u0103m 2014. C\u00f9ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh mang t\u00ednh m\u1edf \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Lu\u1eadt \u0110\u1ea7u t\u01b0, Lu\u1eadt Doanh nghi\u1ec7p th\u00ec hi\u1ec7n nay c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i c\u0169ng r\u1ea5t ch\u00fa \u00fd \u0111\u1ebfn vi\u1ec7c mua c\u1ed5 ph\u1ea7n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam.<\/p>\n

\"Ng\u00e2n<\/div>\n

Theo quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i: C\u00e1 nh\u00e2n n\u01b0\u1edbc ngo\u00e0i: kh\u00f4ng qu\u00e1 5% v\u1ed1n \u0111i\u1ec1u l\u1ec7; T\u1ed5 ch\u1ee9c n\u01b0\u1edbc ngo\u00e0i: kh\u00f4ng qu\u00e1 15% v\u1ed1n \u0111i\u1ec1u l\u1ec7; Nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c: kh\u00f4ng qu\u00e1 20% v\u1ed1n \u0111i\u1ec1u l\u1ec7; Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i + Ng\u01b0\u1eddi c\u00f3 li\u00ean quan: kh\u00f4ng qu\u00e1 20% v\u1ed1n \u0111i\u1ec1u l\u1ec7.<\/p>\n

T\u1ed5ng m\u1ee9c s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam. Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i chuy\u1ec3n \u0111\u1ed5i tr\u00e1i phi\u1ebfu chuy\u1ec3n \u0111\u1ed5i c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam sang c\u1ed5 phi\u1ebfu ph\u1ea3i \u0111\u1ea3m b\u1ea3o t\u1ef7 l\u1ec7 s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n nh\u01b0 tr\u00ean.<\/p>\n

Chuy\u00ean gia c\u1ee7a Vi\u1ec7n Nghi\u00ean c\u1ee9u qu\u1ea3n l\u00fd kinh t\u1ebf Trung \u01b0\u01a1ng v\u00e0 Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng cho r\u1eb1ng, d\u01b0\u1eddng nh\u01b0 t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u1ed1n tr\u00ean \u0111ang l\u00e0m kh\u00f3 c\u01a1 h\u1ed9i t\u00ecm ki\u1ebfm c\u1ed5 \u0111\u00f4ng chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. C\u00e1c chuy\u00ean gia \u0111\u1ec1 xu\u1ea5t ki\u1ebfn ngh\u1ecb v\u1edbi c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc: C\u00e2n nh\u1eafc c\u00e1ch ti\u1ebfp c\u1eadn m\u1edf vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh t\u0103ng gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, v\u1ec1 ph\u00e1t tri\u1ec3n fintech; c\u1eadp nh\u1eadt quan \u0111i\u1ec3m v\u1ec1 m\u1ee9c \u0111\u1ed9 tham gia c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngoai; c\u1ea3i thi\u1ec7n khung ph\u00e1p l\u00fd \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u1ea1nh tranh b\u00ecnh \u0111\u1eb3ng m\u1ecdi th\u00e0nh ph\u1ea7n kinh t\u1ebf trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh; \u0111\u1ed1i tho\u1ea1i c\u1edfi m\u1edf h\u01a1n v\u1edbi c\u1ed9ng \u0111\u1ed3ng doanh nghi\u1ec7p v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn c\u01a1 c\u1ea5u s\u1edf h\u1eefu t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Theo \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng – T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng, b\u00ean c\u1ea1nh c\u00e1c ng\u00e2n h\u00e0ng t\u1ef1 ch\u1ee7 \u0111\u1ed9ng kh\u1eafc ph\u1ee5c kh\u00f3 kh\u0103n do nguy\u00ean nh\u00e2n ch\u1ee7 quan nh\u01b0: n\u00e2ng cao n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb r\u1ee7i ro, \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7, x\u1eed l\u00fd n\u1ee3 x\u1ea5u\u2026 \u0111\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfn l\u01b0\u1ee3c ti\u1ec1m n\u0103ng, th\u00ec v\u1ea5n \u0111\u1ec1 ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd theo h\u01b0\u1edbng ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, \u1ed5n \u0111\u1ecbnh l\u00e2u d\u00e0i, nh\u1ea5t qu\u00e1n l\u00e0 \u0111i\u1ec1u r\u1ea5t c\u1ea7n thi\u1ebft. Vi\u1ec7c quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 \u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a c\u1ed5 \u0111\u00f4ng n\u01b0\u1edbc ngo\u00e0i c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i theo nh\u00f3m, \u0111\u1ed1i v\u1edbi nh\u00f3m c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 n\u1edbi room t\u00f9y theo \u0111\u00e1nh gi\u00e1 x\u1ebfp lo\u1ea1i c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 ho\u00e0n th\u00e0nh Basel II, \u0111ang ti\u1ebfp t\u1ee5c n\u00e2ng cao Basel III c\u00f3 th\u1ec3 n\u00e2ng t\u1ef7 l\u1ec7 g\u00f3p v\u1ed1n c\u1ed5 \u0111\u00f4ng n\u01b0\u1edbc ngo\u00e0i l\u00ean cao h\u01a1n t\u1ef7 l\u1ec7 30% nh\u01b0 \u0111\u00e3 quy \u0111\u1ecbnh.<\/p>\n

Tuy nhi\u00ean, \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng c\u0169ng n\u00eau r\u00f5, vi\u1ec7c xem x\u00e9t t\u0103ng t\u1ef7 l\u1ec7 s\u1edf h\u1eefu v\u1ed1n c\u1ed5 ph\u1ea7n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i l\u00e0 c\u1ea7n thi\u1ebft, song ph\u1ea3i \u0111\u1ea3m b\u1ea3o h\u00e0i h\u00f2a l\u1ee3i \u00edch, nhu c\u1ea7u c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1edbi vai tr\u00f2 qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc. Ch\u00ednh s\u00e1ch r\u00f5 r\u00e0ng, nh\u1ea5t qu\u00e1n ngay t\u1eeb \u0111\u1ea7u s\u1ebd h\u1ed7 tr\u1ee3 r\u1ea5t nhi\u1ec1u cho c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ea9y nhanh ti\u1ebfn tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u, h\u1ed9i nh\u1eadp.<\/p>\n

Ngu\u1ed3n: cafef.vn<\/p>\n","protected":false},"excerpt":{"rendered":"

Nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 chuy\u00ean gia \u0111\u1ec1 xu\u1ea5t: Nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u00e3 ho\u00e0n th\u00e0nh Basel II, \u0111ang n\u00e2ng cao l\u00ean Basel III c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c n\u00e2ng t\u1ef7 l\u1ec7 g\u00f3p v\u1ed1n c\u1ed5 \u0111\u00f4ng n\u01b0\u1edbc ngo\u00e0i l\u00ean cao h\u01a1n t\u1ef7 l\u1ec7 30%. M\u1edbi \u0111\u00e2y, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA) v\u00e0 c\u00e1c chuy\u00ean gia c\u1ee7a Vi\u1ec7n… Xem b\u00e0i vi\u1ebft<\/a><\/p>\n","protected":false},"author":8,"featured_media":6245389,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"footnotes":""},"categories":[2499],"tags":[],"class_list":["post-6245386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh-ngan-hang"],"acf":[],"_links":{"self":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts\/6245386","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/comments?post=6245386"}],"version-history":[{"count":0,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts\/6245386\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/media\/6245389"}],"wp:attachment":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/media?parent=6245386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/categories?post=6245386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/tags?post=6245386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}