{"id":3317,"date":"2023-03-23T15:45:52","date_gmt":"2023-03-23T08:45:52","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=3317"},"modified":"2023-03-30T15:49:34","modified_gmt":"2023-03-30T08:49:34","slug":"hoi-thao-pho-bien-ket-qua-nghien-cuu-de-tai-khoa-hoc-va-cong-nghe-cap-bo-hoan-thien-he-thong-tieu-chi-xep-hang-to-chuc-tin-dung-cua-ngan-hang-nha-nuoc-viet-nam","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/hoi-thao-pho-bien-ket-qua-nghien-cuu-de-tai-khoa-hoc-va-cong-nghe-cap-bo-hoan-thien-he-thong-tieu-chi-xep-hang-to-chuc-tin-dung-cua-ngan-hang-nha-nuoc-viet-nam\/","title":{"rendered":"H\u1ed9i th\u1ea3o ph\u1ed5 bi\u1ebfn k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u \u0110\u1ec1 t\u00e0i Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 c\u1ea5p B\u1ed9 \u201cHo\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng ti\u00eau ch\u00ed x\u1ebfp h\u1ea1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam\u201d"},"content":{"rendered":"

S\u00e1ng <\/em>23\/3\/2023 t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN)<\/em>, Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c <\/em>N<\/em>g\u00e2n h\u00e0ng<\/em> (CLNH) \u0111\u00e3 <\/em>t\u1ed5 ch\u1ee9c<\/em> H\u1ed9i th\u1ea3o gi\u1edbi thi\u1ec7u k\u1ebft qu\u1ea3 <\/em>nghi\u00ean c\u1ee9u c\u1ee7a \u0110\u1ec1 t\u00e0i Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 c\u1ea5p B\u1ed9 \u201cHo\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng ti\u00eau ch\u00ed x\u1ebfp h\u1ea1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam\u201d (m\u00e3 s\u1ed1 \u0110TNH.002\/20)<\/em> do<\/em> TS. Nguy\u1ec5n Phi L\u00e2n \u2013 Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 \u1ed4n \u0111\u1ecbnh ti\u1ec1n t\u1ec7 – t\u00e0i ch\u00ednh NHNN l\u00e0m ch\u1ee7 nhi\u1ec7m \u0111\u1ec1 t\u00e0i.<\/em><\/p>\n

\"\"<\/a><\/p>\n

To\u00e0n c\u1ea3nh H\u1ed9i th\u1ea3o <\/em><\/p>\n

Ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o, TS. Ph\u1ea1m Minh T\u00fa – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng nh\u1ea5n m\u1ea1nh, x\u1ebfp h\u1ea1ng c\u00e1c TCTD l\u00e0 m\u1ecd\u0302t trong nh\u01b0\u0303ng co\u0302ng cu\u0323 quan tro\u0323ng cu\u0309a NHNN trong co\u0302ng ta\u0301c qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t h\u1ec7 th\u1ed1ng c\u00e1c TCTD.<\/p>\n

\"\"<\/a><\/p>\n

TS. Ph\u1ea1m Minh T\u00fa, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng<\/em><\/p>\n

ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o.<\/em><\/p>\n

Theo TS. Nguy\u1ec5n Phi L\u00e2n – Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 \u1ed4n \u0111\u1ecbnh ti\u1ec1n t\u1ec7 – t\u00e0i ch\u00ednh NHNN \u2013 Ch\u1ee7 nhi\u1ec7m \u0111\u1ec1 t\u00e0i, vi\u1eb9\u0302c \u0111\u00f4\u0309i m\u01a1\u0301i phu\u031bo\u031bng pha\u0301p va\u0300 ca\u0301c co\u0302ng cu\u0323 gia\u0301m sa\u0301t nga\u0302n ha\u0300ng co\u0301 vai tro\u0300 vo\u0302 cu\u0300ng quan tro\u0323ng \u0111\u00f4\u0301i v\u01a1\u0301i vi\u1eb9\u0302c \u0111a\u0309m ba\u0309o an toa\u0300n h\u1eb9\u0302 th\u00f4\u0301ng nga\u0302n ha\u0300ng Vi\u1eb9\u0302t Nam.<\/p>\n

\u0110\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ti\u00eau ch\u00ed x\u1ebfp h\u1ea1ng hi\u1ec7n t\u1ea1i, \u0111\u1ea1i di\u1ec7n nh\u00f3m nghi\u00ean c\u1ee9u th\u00f4ng tin, nga\u0300y 12\/3\/2008, Th\u00f4\u0301ng \u0111\u00f4\u0301c NHNN \u0111a\u0303 ban ha\u0300nh Quy\u00ea\u0301t \u0111i\u0323nh s\u00f4\u0301 06\/2008\/Q\u0110- NHNN (Quy\u00ea\u0301t \u0111i\u0323nh 06) quy \u0111i\u0323nh x\u00ea\u0301p loa\u0323i ca\u0301c NHTM c\u00f4\u0309 ph\u1ea7n. Vi\u1eb9\u0302c ban ha\u0300nh Quy\u00ea\u0301t \u0111i\u0323nh 06 go\u0301p ph\u00e2\u0300n quan tro\u0323ng trong co\u0302ng ta\u0301c qua\u0309n ly\u0301 nha\u0300 nu\u031b\u01a1\u0301c trong li\u0303nh v\u01b0\u0323c nga\u0302n ha\u0300ng, \u0111\u1ea1\u0306c bi\u1eb9\u0302t la\u0300 co\u0302ng ta\u0301c thanh tra, gia\u0301m sa\u0301t, co\u031b c\u00e2\u0301u la\u0323i ca\u0301c TCTD. Sau nhi\u1ec1u n\u0103m, Quy\u00ea\u0301t \u0111i\u0323nh 06 \u0111a\u0303 kho\u0302ng co\u0300n phu\u0300 h\u01a1\u0323p v\u01a1\u0301i quy mo\u0302, m\u01b0\u0301c \u0111\u1ecd\u0302 pha\u0301t tri\u00ea\u0309n va\u0300 h\u1ecd\u0302i nh\u1ea1\u0302p qu\u00f4\u0301c t\u00ea\u0301 sa\u0302u r\u1ecd\u0302ng cu\u0309a h\u1eb9\u0302 th\u00f4\u0301ng ca\u0301c TCTD. Do v\u1ea1\u0302y, nga\u0300y 31\/12\/2018, Th\u00f4\u0301ng \u0111\u00f4\u0301c NHNN \u0111a\u0303 ban ha\u0300nh Tho\u0302ng tu\u031b s\u00f4\u0301 52\/2018\/TT-NHNN (Tho\u0302ng tu\u031b 52) v\u00ea\u0300 quy \u0111i\u0323nh x\u00ea\u0301p ha\u0323ng ca\u0301c TCTD, chi nha\u0301nh nga\u0302n ha\u0300ng nu\u031b\u01a1\u0301c ngoa\u0300i thay th\u00ea\u0301 Quy\u00ea\u0301t \u0111i\u0323nh 06.<\/p>\n

\"\"<\/a><\/p>\n

TS. Nguy\u1ec5n Phi L\u00e2n, Ch\u1ee7 nhi\u1ec7m \u0110\u1ec1 t\u00e0i trao \u0111\u1ed5i v\u1ec1 k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u.<\/em><\/p>\n

\u0110a\u0301nh gia\u0301 v\u00ea\u0300 h\u1eb9\u0302 th\u00f4\u0301ng tie\u0302u chi\u0301 x\u00ea\u0301p ha\u0323ng ca\u0301c TCTD ta\u0323i NHNN Vi\u1eb9\u0302t Nam tre\u0302n co\u031b s\u01a1\u0309 so sa\u0301nh v\u01a1\u0301i tho\u0302ng l\u1eb9\u0302 qu\u00f4\u0301c t\u00ea\u0301, nh\u00f3m nghi\u00ean c\u1ee9u ch\u1ec9 ra r\u1eb1ng, tu\u031bo\u031bng t\u01b0\u0323 v\u01a1\u0301i phu\u031bo\u031bng pha\u0301p x\u00ea\u0301p ha\u0323ng (\u0111a\u0301nh gia\u0301 ru\u0309i ro) cu\u0309a ca\u0301c nu\u031b\u01a1\u0301c va\u0300 ca\u0301c t\u00f4\u0309 ch\u01b0\u0301c x\u00ea\u0301p ha\u0323ng ti\u0301n nhi\u1eb9\u0302m qu\u00f4\u0301c t\u00ea\u0301, phu\u031bo\u031bng pha\u0301p x\u00ea\u0301p ha\u0323ng cu\u0309a Vi\u1eb9\u0302t Nam cu\u0303ng d\u01b0\u0323a tre\u0302n vi\u1eb9\u0302c lu\u031b\u01a1\u0323ng ho\u0301a m\u01b0\u0301c \u0111\u1ecd\u0302 ru\u0309i ro cu\u0309a ca\u0301c TCTD tho\u0302ng qua vi\u1eb9\u0302c ti\u0301nh \u0111i\u00ea\u0309m ca\u0301c chi\u0309 tie\u0302u theo ca\u0301c tie\u0302u chi\u0301 CAMELS; trong \u0111o\u0301, tro\u0323ng s\u00f4\u0301 cu\u0309a ca\u0301c tie\u0302u chi\u0301 CAMELS \u0111u\u031b\u01a1\u0323c xa\u0301c \u0111i\u0323nh ca\u0306n c\u01b0\u0301 tre\u0302n t\u00e2\u0300m quan tro\u0323ng cu\u0309a ca\u0301c tie\u0302u chi\u0301 na\u0300y trong vi\u1eb9\u0302c pha\u0309n a\u0301nh m\u01b0\u0301c \u0111\u1ecd\u0302 ru\u0309i ro, th\u01b0\u0323c tra\u0323ng hoa\u0323t \u0111\u1ecd\u0302ng cu\u0309a TCTD. T\u01b0\u0300ng tie\u0302u chi\u0301 tre\u0302n se\u0303 bao g\u00f4\u0300m nho\u0301m chi\u0309 tie\u0302u \u0111i\u0323nh lu\u031b\u01a1\u0323ng va\u0300 nho\u0301m chi\u0309 tie\u0302u \u0111i\u0323nh ti\u0301nh. Ca\u0306n c\u01b0\u0301 va\u0300o m\u01b0\u0301c x\u00ea\u0301p ha\u0323ng \u0111a\u0323t \u0111u\u031b\u01a1\u0323c, ca\u0301c nga\u0302n ha\u0300ng \u0111u\u031b\u01a1\u0323c x\u00ea\u0301p va\u0300o m\u1ecd\u0302t trong ca\u0301c ha\u0323ng sau: T\u00f4\u0301t (A); Kha\u0301 (B); Trung bi\u0300nh (C); Y\u00ea\u0301u (D); Y\u00ea\u0301u ke\u0301m (E).<\/p>\n

Tuy v\u1ea1\u0302y, cu\u0303ng c\u00e2\u0300n th\u1ea1\u0302n tro\u0323ng va\u0300 kha\u0301ch quan nhi\u0300n ro\u0303 nh\u01b0\u0303ng t\u00f4\u0300n ta\u0323i, ha\u0323n ch\u00ea\u0301 cu\u0309a h\u1eb9\u0302 th\u00f4\u0301ng x\u00ea\u0301p ha\u0323ng CAMELS khi a\u0301p du\u0323ng ta\u0323i thi\u0323 tru\u031b\u01a1\u0300ng Vi\u1eb9\u0302t Nam. Theo \u0111\u00f3, ca\u0301ch ti\u00ea\u0301p c\u1ea1\u0302n hi\u1eb9\u0302n ta\u0323i \u0111\u00ea\u0309 \u0111a\u0301nh gia\u0301 nga\u0302n ha\u0300ng \u0111u\u031b\u01a1\u0323c Vi\u1eb9\u0302t Nam s\u01b0\u0309 du\u0323ng v\u01a1\u0301i thi\u00ea\u0301t k\u00ea\u0301 CAMELS v\u00ea\u0300 ba\u0309n ch\u00e2\u0301t tua\u0302n thu\u0309 nghie\u0302m ng\u1ea1\u0306t lu\u1ea1\u0302t pha\u0301p va\u0300 quy \u0111i\u0323nh nga\u0302n ha\u0300ng cu\u0309a My\u0303. \u0110i\u00ea\u0300u na\u0300y \u01a1\u0309 m\u1ecd\u0302t m\u01b0\u0301c \u0111\u1ecd\u0302 na\u0300o \u0111o\u0301 kho\u0302ng hoa\u0300n toa\u0300n phu\u0300 h\u01a1\u0323p v\u01a1\u0301i \u0111\u1ea1\u0306c \u0111i\u1ec3m cu\u0309a h\u1eb9\u0302 th\u00f4\u0301ng nga\u0302n ha\u0300ng Vi\u1eb9\u0302t Nam.<\/p>\n

Ch\u1eb3ng h\u1ea1n chi\u0309 tie\u0302u v\u00ea\u0300 v\u00f4\u0301n, trong qua\u0301 tri\u0300nh xa\u0302y d\u01b0\u0323ng, ban ha\u0300nh khung kh\u00f4\u0309 pha\u0301p ly\u0301 c\u00e2\u0300n thi\u00ea\u0301t hu\u031b\u01a1\u0301ng d\u00e2\u0303n ca\u0301c nga\u0302n ha\u0300ng tri\u00ea\u0309n khai \u0111\u00e2\u0300y \u0111u\u0309 03 tru\u0323 c\u1ecd\u0302t cu\u0309a Basel II, NHNN \u0111a\u0303 ban ha\u0300nh Tho\u0302ng tu\u031b s\u00f4\u0301 41\/2016\/TT-NHNN nga\u0300y 30\/12\/2016 quy \u0111i\u0323nh ty\u0309 l\u1eb9\u0302 an toa\u0300n v\u00f4\u0301n \u0111\u00f4\u0301i v\u01a1\u0301i nga\u0302n ha\u0300ng, chi nha\u0301nh NHNN (Tho\u0302ng tu\u031b s\u00f4\u0301 41). Theo quy \u0111i\u0323nh ta\u0323i Tho\u0302ng tu\u031b 41, ca\u0301c NHTM, chi nha\u0301nh nga\u0302n ha\u0300ng nu\u031b\u01a1\u0301c ngoa\u0300i b\u0103\u0301t \u0111\u00e2\u0300u a\u0301p du\u0323ng ty\u0309 l\u1eb9\u0302 an toa\u0300n v\u00f4\u0301n theo tie\u0302u chu\u00e2\u0309n Basel II t\u01b0\u0300 01\/01\/2020; theo \u0111o\u0301 ty\u0309 l\u1eb9\u0302 CAR t\u00f4\u0301i thi\u00ea\u0309u \u0111u\u031b\u01a1\u0323c quy \u0111i\u0323nh la\u0300 8%, th\u00e2\u0301p ho\u031bn 1% so v\u01a1\u0301i m\u01b0\u0301c ty\u0309 l\u1eb9\u0302 CAR 9% quy \u0111i\u0323nh ta\u0323i Tho\u0302ng tu\u031b s\u00f4\u0301 22\/2019\/TT-NHNN nga\u0300y 15\/11\/2019 quy \u0111i\u0323nh ca\u0301c gi\u01a1\u0301i ha\u0323n, ty\u0309 l\u1eb9\u0302 \u0111a\u0309m ba\u0309o an toa\u0300n trong hoa\u0323t \u0111\u1ecd\u0302ng cu\u0309a nga\u0302n ha\u0300ng, chi nha\u0301nh NHNN (Tho\u0302ng tu\u031b s\u00f4\u0301 22).<\/p>\n

Tuy nhie\u0302n, xu\u00e2\u0301t pha\u0301t t\u01b0\u0300 th\u01b0\u0323c ti\u00ea\u0303n kho\u0301 kha\u0306n cu\u0309a nga\u0300nh Nga\u0302n ha\u0300ng trong giai \u0111oa\u0323n ta\u0301i co\u031b c\u00e2\u0301u, x\u01b0\u0309 ly\u0301 n\u01a1\u0323 x\u00e2\u0301u 2016-2020 va\u0300 a\u0309nh hu\u031b\u01a1\u0309ng cu\u0309a di\u0323ch b\u1eb9\u0302nh COVID-19, \u0111\u00ea\u0301n cu\u00f4\u0301i na\u0306m 2020, m\u1ecd\u0302t s\u00f4\u0301 NHTM v\u00e2\u0303n \u0111ang th\u01b0\u0323c hi\u1eb9\u0302n quy \u0111i\u0323nh v\u00ea\u0300 ty\u0309 l\u1eb9\u0302 an toa\u0300n v\u00f4\u0301n theo Tho\u0302ng tu\u031b 22 va\u0300 chu\u031ba th\u00ea\u0309 a\u0301p du\u0323ng ca\u0301c tie\u0302u chu\u00e2\u0309n cao ho\u031bn ta\u0323i Tho\u0302ng tu\u031b 41. Vi\u1eb9\u0302c xa\u0302y d\u01b0\u0323ng ngu\u031b\u01a1\u0303ng, tro\u0323ng s\u00f4\u0301 \u0111a\u0301nh gia\u0301 v\u00f4\u0301n a\u0301p du\u0323ng rie\u0302ng \u0111\u00f4\u0301i v\u01a1\u0301i NHTM, chi nha\u0301nh NHNN a\u0301p du\u0323ng Tho\u0302ng tu\u031b 41 s\u1ebd giu\u0301p ta\u0323o s\u01b0\u0323 co\u0302ng b\u0103\u0300ng gi\u01b0\u0303a TCTD a\u0301p du\u0323ng Tho\u0302ng tu\u031b s\u00f4\u0301 41 va\u0300 Tho\u0302ng tu\u031b s\u00f4\u0301 22 trong vi\u1eb9\u0302c ti\u0301nh \u0111i\u00ea\u0309m va\u0300 x\u00ea\u0301p ha\u0323ng.<\/p>\n

Trong b\u00f4\u0301i ca\u0309nh nga\u0300nh Nga\u0302n ha\u0300ng h\u1ecd\u0302i nh\u1ea1\u0302p qu\u00f4\u0301c t\u00ea\u0301 nga\u0300y ca\u0300ng sa\u0302u r\u1ecd\u0302ng, vi\u1eb9\u0302c ba\u0309o \u0111a\u0309m s\u01b0\u0323 pha\u0301t tri\u00ea\u0309n an toa\u0300n, la\u0300nh ma\u0323nh cu\u0309a h\u1eb9\u0302 th\u00f4\u0301ng ca\u0301c TCTD cu\u0303ng nhu\u031b hoa\u0300n thi\u1eb9\u0302n th\u00ea\u0309 ch\u00ea\u0301 trong hoa\u0323t \u0111\u1ecd\u0302ng thanh tra, gia\u0301m sa\u0301t nga\u0302n ha\u0300ng nh\u0103\u0300m go\u0301p ph\u00e2\u0300n na\u0302ng cao hi\u1eb9\u0302u qua\u0309, hi\u1eb9\u0302u l\u01b0\u0323c qua\u0309n ly\u0301 nha\u0300 nu\u031b\u01a1\u0301c trong li\u0303nh v\u01b0\u0323c ti\u00ea\u0300n t\u1eb9\u0302 va\u0300 nga\u0302n ha\u0300ng la\u0300 h\u00ea\u0301t s\u01b0\u0301c c\u00e2\u0300n thi\u00ea\u0301t. Ch\u00ednh v\u00ec v\u1eady, nh\u00f3m nghi\u00ean c\u1ee9u n\u00eau ra m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p ho\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng ti\u00eau ch\u00ed x\u1ebfp h\u1ea1ng c\u00e1c TCTD c\u1ee7a NHNN.<\/p>\n

Theo \u0111\u00f3, nho\u0301m ki\u00ea\u0301n nghi\u0323 s\u01b0\u0309a \u0111\u00f4\u0309i, b\u00f4\u0309 sung Khoa\u0309n 1, 2, 3 \u0110i\u00ea\u0300u 20 theo hu\u031b\u01a1\u0301ng pha\u0302n ha\u0323ng chi ti\u00ea\u0301t ho\u031bn \u0111\u00f4\u0301i v\u01a1\u0301i ca\u0301c ha\u0323ng A, B, C. Nho\u0301m nghie\u0302n c\u01b0\u0301u c\u0169ng ki\u00ea\u0301n nghi\u0323 s\u01b0\u0309a \u0111\u00f4\u0309i \u0110i\u00ea\u0300u 14 theo h\u01b0\u01a1\u0301ng: b\u00f4\u0309 sung ngu\u031b\u01a1\u0303ng, tro\u0323ng s\u00f4\u0301 cu\u0309a ca\u0301c chi\u0309 tie\u0302u v\u00ea\u0300 v\u00f4\u0301n \u0111\u00f4\u0301i v\u01a1\u0301i ca\u0301c NHTM, chi nha\u0301nh ng\u00e2n h\u00e0ng nu\u031b\u01a1\u0301c ngoa\u0300i a\u0301p du\u0323ng Tho\u0302ng tu\u031b s\u00f4\u0301 41. Ngo\u00e0i ra, gia\u0309m tro\u0323ng s\u00f4\u0301 \u0111\u00f4\u0301i v\u01a1\u0301i NHTM (quy mo\u0302 l\u01a1\u0301n, nho\u0309) t\u01b0\u0300 45% xu\u00f4\u0301ng 40% va\u0300 ta\u0306ng ngu\u031b\u01a1\u0303ng cu\u0309a t\u00e2\u0301t ca\u0309 ca\u0301c nho\u0301m \u0111\u00f4\u0300ng ha\u0323ng \u0111\u00f4\u0301i v\u01a1\u0301i ty\u0309 l\u1eb9\u0302 n\u01a1\u0323 x\u00e2\u0301u, n\u01a1\u0323 x\u00e2\u0301u \u0111a\u0303 ba\u0301n cho VAMC chu\u031ba x\u01b0\u0309 ly\u0301 \u0111u\u031b\u01a1\u0323c va\u0300 n\u01a1\u0323 co\u031b c\u00e2\u0301u ti\u00ea\u0300m \u00e2\u0309n tr\u01a1\u0309 tha\u0300nh n\u01a1\u0323 x\u00e2\u0301u so v\u01a1\u0301i t\u00f4\u0309ng n\u01a1\u0323 c\u1ecd\u0302ng the\u0302m ca\u0301c khoa\u0309n n\u01a1\u0323 x\u00e2\u0301u \u0111a\u0303 ba\u0301n cho VAMC chu\u031ba x\u01b0\u0309 ly\u0301 \u0111u\u031b\u01a1\u0323c, ta\u0306ng ngu\u031b\u01a1\u0303ng cu\u0309a t\u00e2\u0301t ca\u0309 ca\u0301c nho\u0301m \u0111\u00f4\u0300ng ha\u0323ng \u0111\u00f4\u0301i v\u01a1\u0301i ty\u0309 l\u1eb9\u0302 n\u01a1\u0323 Nho\u0301m 2 so v\u01a1\u0301i t\u00f4\u0309ng n\u01a1\u0323.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u00ea\u0309 khuy\u00ea\u0301n khi\u0301ch vi\u1eb9\u0302c TCTD ta\u0306ng cu\u031b\u01a1\u0300ng co\u0302ng ta\u0301c ki\u00ea\u0309m soa\u0301t, ki\u00ea\u0309m toa\u0301n n\u1ecd\u0302i b\u1ecd\u0302 nh\u0103\u0300m t\u01b0\u0323 pha\u0301t hi\u1eb9\u0302n ca\u0301c ha\u0300nh vi vi pha\u0323m (n\u00ea\u0301u co\u0301) trong qua\u0301 tri\u0300nh hoa\u0323t \u0111\u1ecd\u0302ng, t\u01b0\u0300 \u0111o\u0301 ki\u0323p th\u01a1\u0300i co\u0301 ca\u0301c bi\u1eb9\u0302n pha\u0301p x\u01b0\u0309 ly\u0301, nho\u0301m Nghie\u0302n c\u01b0\u0301u \u0111\u00ea\u0300 xu\u00e2\u0301t s\u01b0\u0309a \u0111\u00f4\u0309i, b\u00f4\u0309 sung nguye\u0302n t\u0103\u0301c tr\u01b0\u0300 \u0111i\u00ea\u0309m ta\u0323i Khoa\u0309n 2, Khoa\u0309n 3 \u0110i\u00ea\u0300u 16 Tho\u0302ng tu\u031b s\u00f4\u0301 52.<\/p>\n

C\u1ee5 th\u1ec3, TCTD kho\u0302ng co\u0301 ha\u0300nh vi vi pha\u0323m quy \u0111i\u0323nh pha\u0301p lu\u1ea1\u0302t \u0111u\u031b\u01a1\u0323c pha\u0301t hi\u1eb9\u0302n trong na\u0306m x\u00ea\u0301p ha\u0323ng va\u0300 ca\u0301c vi pha\u0323m pha\u0301t hi\u1eb9\u0302n tru\u031b\u01a1\u0301c na\u0306m x\u00ea\u0301p ha\u0323ng \u0111a\u0303 kh\u0103\u0301c phu\u0323c xong ta\u0323i t\u01b0\u0300ng chi\u0309 tie\u0302u trong nho\u0301m chi\u0309 tie\u0302u \u0111i\u0323nh ti\u0301nh thi\u0300 \u0111u\u031b\u01a1\u0323c \u0111i\u00ea\u0309m 5 (m\u01b0\u0301c \u0111i\u00ea\u0309m t\u00f4\u0301i \u0111a). Ca\u0301c ha\u0300nh vi vi pha\u0323m do TCTD t\u01b0\u0323 pha\u0301t hi\u1eb9\u0302n va\u0300 ba\u0301o ca\u0301o nhu\u031bng chu\u031ba kh\u0103\u0301c phu\u0323c xong se\u0303 bi\u0323 tr\u01b0\u0300 0,05 \u0111i\u00ea\u0309m (theo quy \u0111i\u0323nh ta\u0323i Tho\u0302ng tu\u031b s\u00f4\u0301 52 la\u0300 tr\u01b0\u0300 0,1 \u0111i\u00ea\u0309m) \u0111\u00f4\u0301i v\u01a1\u0301i m\u00f4\u0303i vi pha\u0323m (a\u0301p du\u0323ng t\u01b0\u0300 l\u00e2\u0300n vi pha\u0323m th\u01b0\u0301 hai tr\u01a1\u0309 le\u0302n \u0111\u00f4\u0301i v\u01a1\u0301i TCTD nhi\u00ea\u0300u vi pha\u0323m); ca\u0301c ha\u0300nh vi vi pha\u0323m do TCTD t\u01b0\u0323 pha\u0301t hi\u1eb9\u0302n, ba\u0301o ca\u0301o va\u0300 \u0111a\u0303 kh\u0103\u0301c phu\u0323c xong theo \u0111a\u0301nh gia\u0301 cu\u0309a NHNN se\u0303 kho\u0302ng bi\u0323 tr\u01b0\u0300 \u0111i\u00ea\u0309m.<\/p>\n

\"\"<\/a><\/p>\n

C\u00e1c \u0111\u1ea1i bi\u1ec3u trao \u0111\u1ed5i \u00fd ki\u1ebfn v\u00e0 th\u1ea3o lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

Trao \u0111\u1ed5i t\u1ea1i H\u1ed9i th\u1ea3o, c\u00e1c \u0111\u1ea1i bi\u1ec3u tham d\u1ef1 \u0111\u1ec1u cho r\u1eb1ng vi\u1eb9\u0302c hoa\u0300n thi\u1eb9\u0302n h\u1eb9\u0302 th\u00f4\u0301ng tie\u0302u chi\u0301 x\u00ea\u0301p ha\u0323ng ca\u0301c TCTD ha\u0300ng na\u0306m \u0111\u1ec3 nh\u1ea1\u0302n di\u1eb9\u0302n, pha\u0301t hi\u1eb9\u0302n ca\u0301c TCTD y\u00ea\u0301u ke\u0301m \u0111o\u0301ng vai tro\u0300 vo\u0302 cu\u0300ng quan tro\u0323ng trong co\u0302ng ta\u0301c qua\u0309n ly\u0301 nha\u0300 nu\u031b\u01a1\u0301c c\u1ee7a li\u0303nh v\u01b0\u0323c nga\u0302n ha\u0300ng. V\u00ec v\u1eady, nh\u1eefng k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u v\u00e0 \u0111\u1ec1 xu\u1ea5t, ki\u1ebfn ngh\u1ecb c\u1ee7a \u0110\u1ec1 t\u00e0i c\u00f3 \u00fd ngh\u0129a thi\u1ebft th\u1ef1c trong vi\u1ec7c \u0111\u1ed5i m\u1edbi, ho\u00e0n thi\u1ec7n c\u00e1c ph\u01b0\u01a1ng ph\u00e1p v\u00e0 c\u00f4ng c\u1ee5 gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng trong th\u1eddi gian t\u1edbi.<\/p>\n

Tin b\u00e0i & \u1ea2nh: Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng; Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

S\u00e1ng 23\/3\/2023 t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN), Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng (CLNH) \u0111\u00e3 t\u1ed5 ch\u1ee9c H\u1ed9i th\u1ea3o gi\u1edbi thi\u1ec7u k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u c\u1ee7a \u0110\u1ec1 t\u00e0i Khoa h\u1ecdc v\u00e0 C\u00f4ng ngh\u1ec7 c\u1ea5p B\u1ed9 \u201cHo\u00e0n thi\u1ec7n h\u1ec7 th\u1ed1ng ti\u00eau ch\u00ed x\u1ebfp h\u1ea1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t …<\/p>\n","protected":false},"author":3,"featured_media":3318,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[57,40],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3317"}],"collection":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/comments?post=3317"}],"version-history":[{"count":1,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3317\/revisions"}],"predecessor-version":[{"id":3322,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3317\/revisions\/3322"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/3318"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=3317"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=3317"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=3317"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}