{"id":4345,"date":"2019-12-25T09:23:33","date_gmt":"2019-12-25T09:23:33","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=4345"},"modified":"2020-02-04T08:56:04","modified_gmt":"2020-02-04T08:56:04","slug":"tong-hop-cac-loai-ngan-hang-hien-nay","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/tong-hop-cac-loai-ngan-hang-hien-nay\/","title":{"rendered":"T\u1ed5ng h\u1ee3p c\u00e1c lo\u1ea1i ng\u00e2n h\u00e0ng hi\u1ec7n nay"},"content":{"rendered":"<p>Kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 c\u00f9ng m\u1ed9t m\u1ee5c \u0111\u00edch. <strong><a href=\"https:\/\/innotech-vn.com\/vie\/tong-hop-cac-loai-ngan-hang-hien-nay\/\">C\u00e1c lo\u1ea1i ng\u00e2n h\u00e0ng<\/a><\/strong> kh\u00e1c nhau gi\u1eef vai tr\u00f2 v\u00e0 ch\u1ee9c n\u0103ng kh\u00e1c nhau trong n\u1ec1n kinh t\u1ebf.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t t\u1ed5ng h\u1ee3p nh\u1eefng h\u00ecnh th\u1ee9c ng\u00e2n h\u00e0ng hi\u1ec7n c\u00f3:<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u00e0 lo\u1ea1i ng\u00e2n h\u00e0ng c\u00f3 ch\u1ee9c n\u0103ng cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh cho c\u00e1c kh\u00e1ch h\u00e0ng ho\u1eb7c c\u00e1c th\u00e0nh vi\u00ean nh\u01b0 l\u00e0 vay, \u0111\u1ea7u t\u01b0 hay ph\u00e2n ph\u1ed1i v\u1ed1n. N\u00f3 \u0111\u00f3ng vai tr\u00f2 trung gian t\u00e0i ch\u00ednh thu h\u1eb9p kho\u1ea3ng c\u00e1ch c\u00e1 nh\u00e2n mu\u1ed1n ti\u1ebft ki\u1ec7m ti\u1ec1n \u0111\u1ebfn n\u01a1i an to\u00e0n v\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u mu\u1ed1n vay ti\u1ec1n.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"wp-image-4362 size-full\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/dinh-che-tai-chinh-1.png\" alt=\"Vai tr\u00f2 c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/dinh-che-tai-chinh-1.png 600w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/dinh-che-tai-chinh-1-300x125.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/> <em>Vai tr\u00f2 c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh<\/em><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Trong t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng, ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u00f3ng vai tr\u00f2 \u0111\u1ee9ng \u0111\u1ea7u nh\u1eb1m gi\u00e1m s\u00e1t c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, thi\u1ebft l\u1eadp l\u00e3i su\u1ea5t v\u00e0 ki\u1ec3m so\u00e1t d\u00f2ng ti\u1ec1n trong m\u1ed9t qu\u1ed1c gia. M\u1ee5c \u0111\u00edch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng l\u00e0 \u1ed5n \u0111\u1ecbnh gi\u00e1 tr\u1ecb c\u1ee7a ti\u1ec1n t\u1ec7, \u1ed5n \u0111\u1ecbnh cung ti\u1ec1n, ki\u1ec3m so\u00e1t l\u00e3i su\u1ea5t, c\u1ee9u c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 nguy c\u01a1 \u0111\u1ed5 v\u1ee1. N\u1ebfu c\u1ea7n thi\u1ebft, h\u1ecd c\u00f3 th\u1ec3 cho vay ti\u1ec1n trong th\u1eddi k\u1ef3 kinh t\u1ebf kh\u00f3 kh\u0103n \u0111\u1ec3 gi\u1eef cho h\u1ec7 th\u1ed1ng ti\u1ec1n t\u1ec7 kh\u00f4ng b\u1ecb s\u1ee5p \u0111\u1ed5.H\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, nh\u01b0ng v\u1eabn c\u00f3 m\u1ee9c \u0111\u1ed9 \u0111\u1ed9c l\u1eadp nh\u1ea5t \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi Ch\u00ednh ph\u1ee7.T\u1ea1i Hoa K\u1ef3, H\u1ec7 th\u1ed1ng D\u1ef1 tr\u1eef Li\u00ean bang l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng. Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng ch\u00e2u \u00c2u \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf cho 19 qu\u1ed1c gia trong khu v\u1ef1c \u0111\u1ed3ng euro.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"wp-image-4352 size-full\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/he-thong-du-tru-lien-bang.jpg\" alt=\"H\u1ec7 th\u1ed1ng D\u1ef1 tr\u1eef Li\u00ean bang l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng t\u1ea1i Hoa K\u1ef3\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/he-thong-du-tru-lien-bang.jpg 595w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/he-thong-du-tru-lien-bang-300x169.jpg 300w\" sizes=\"(max-width: 595px) 100vw, 595px\" \/> <em>H\u1ec7 th\u1ed1ng D\u1ef1 tr\u1eef Li\u00ean bang l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng t\u1ea1i Hoa K\u1ef3<\/em><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Ng\u00e2n h\u00e0ng h\u1ee3p t\u00e1c x\u00e3<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng h\u1ee3p t\u00e1c x\u00e3 (Co-op Bank) c\u00f3 th\u1ec3 l\u00e0 ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb ho\u1eb7c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. V\u1edbi c\u00e1c d\u1ecbch v\u1ee5 cung c\u1ea5p m\u1edf t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi cho c\u00e1c th\u00e0nh vi\u00ean l\u00e0 Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n c\u0169ng nh\u01b0 nh\u1eadn ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n, c\u00f3 k\u1ef3 h\u1ea1n, ti\u1ec1n g\u1eedi thanh to\u00e1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1 nh\u00e2n. Ngo\u00e0i ra, ng\u00e2n h\u00e0ng n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00e1c nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00e1c nh\u01b0 ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, vay v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7, th\u1ef1c hi\u1ec7n c\u00e1c nghi\u1ec7p v\u1ee5 chi\u1ebft kh\u1ea5u, t\u00e1i chi\u1ebft kh\u1ea5u&#8230;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110i\u1ec1u kh\u00e1c bi\u1ec7t gi\u1eefa h\u1ecd v\u1edbi c\u00e1c th\u1ef1c th\u1ec3 kh\u00e1c trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh l\u00e0 th\u1ef1c t\u1ebf l\u00e0 h\u1ecd th\u01b0\u1eddng l\u00e0 c\u00e1c hi\u1ec7p h\u1ed9i \u0111\u1ecba ph\u01b0\u01a1ng ho\u1eb7c c\u1ed9ng \u0111\u1ed3ng c\u00f3 th\u00e0nh vi\u00ean gi\u00fap x\u00e1c \u0111\u1ecbnh c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p. Ch\u00fang ph\u1ed5 bi\u1ebfn \u1edf c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi v\u00e0 \u1edf Hoa K\u1ef3, ch\u00fang th\u01b0\u1eddng c\u00f3 h\u00ecnh th\u1ee9c c\u00f4ng \u0111o\u00e0n t\u00edn d\u1ee5ng.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb (Retail Banks)<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Khi b\u1ea1n h\u00ecnh dung m\u1ed9t ng\u00e2n h\u00e0ng, m\u1ed9t ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb (retail banks) c\u00f3 th\u1ec3 xu\u1ea5t hi\u1ec7n trong t\u00e2m tr\u00ed. V\u1edbi ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u1ee7 y\u1ebfu cho kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1c c\u00e1 nh\u00e2n, c\u00e1c h\u1ed9 gia \u0111\u00ecnh v\u00e0 c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf. Nh\u01b0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, c\u00e1c kho\u1ea3n vay, th\u1ebb t\u00edn d\u1ee5ng v\u00e0 b\u1ea3o hi\u1ec3m. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, h\u1ecd c\u00f3 th\u1ec3 thi\u1ebft l\u1eadp ki\u1ec3m tra t\u00e0i kho\u1ea3n v\u00e0 cho vay \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p quy m\u00f4 v\u1eeba v\u00e0 nh\u1ecf.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"wp-image-4356 size-full\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-ban-le.jpg\" alt=\"Top d\u1eabn \u0111\u1ea7u ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb t\u1ea1i Vi\u1ec7t Nam\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-ban-le.jpg 600w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-ban-le-300x188.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/> <em>Top d\u1eabn \u0111\u1ea7u ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb t\u1ea1i Vi\u1ec7t Nam<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0 g\u1eafn li\u1ec1n v\u1edbi c\u00e1c thu\u1eadt ng\u1eef: <strong><a href=\"https:\/\/innotech-vn.com\/vie\/tri-tue-nhan-tao-se-thay-doi-nganh-ngan-hang-nhu-the-nao\/\">Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI)<\/a><\/strong>, D\u1eef li\u1ec7u l\u1edbn (Big Data) hay Block Chain, s\u1ef1 tham gia m\u1ea1nh m\u1ebd c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c phi t\u00e0i ch\u00ednh v\u00e0 c\u00e1c <a href=\"https:\/\/innotech-vn.com\/vie\/software-development\/banking-and-financial-services\/\"><strong>c\u00f4ng ty fintech<\/strong><\/a> th\u00ec c\u00f3 l\u1ebd ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb c\u0169ng \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt c\u1ea3i ti\u1ebfn \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 (Investment bank)<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 (Invesment bank) l\u00e0 m\u1ed9t \u0111\u1ecbnh ch\u1ebf \u0111\u00f3ng vai tr\u00f2 nh\u01b0 m\u1ed9t trung gian t\u00e0i ch\u00ednh \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u00e0ng lo\u1ea1t c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0: l\u00e0m trung gian gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh ch\u1ee9ng kho\u00e1n v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0, t\u01b0 v\u1ea5n gi\u00fap d\u00e0n x\u1ebfp c\u00e1c th\u01b0\u01a1ng v\u1ee5 mua l\u1ea1i v\u00e0 s\u00e1p nh\u1eadp c\u00f9ng c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e1i c\u01a1 c\u1ea5u doanh nghi\u1ec7p kh\u00e1c v\u00e0 m\u00f4i gi\u1edbi cho kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c . \u0110\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c, c\u00f4ng ty v\u00e0 ch\u00ednh ph\u1ee7 kh\u00f4ng ph\u1ea3i l\u00e0 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">C\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 nh\u01b0 <\/span><a href=\"https:\/\/www.morganstanley.com\/\"><span style=\"font-weight: 400;\">Morgan Stanley <\/span><\/a><span style=\"font-weight: 400;\">v\u00e0 <\/span><a href=\"https:\/\/www.goldmansachs.com\/\"><span style=\"font-weight: 400;\">Goldman Sachs<\/span><\/a><span style=\"font-weight: 400;\"> c\u00f3 nhi\u1ec1u tr\u00e1ch nhi\u1ec7m. M\u1ed9t m\u1eb7t, h\u1ecd qu\u1ea3n l\u00fd giao d\u1ecbch c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu v\u00e0 c\u00e1c ch\u1ee9ng kho\u00e1n kh\u00e1c gi\u1eefa c\u00e1c c\u00f4ng ty v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0. M\u1eb7t kh\u00e1c, h\u1ecd c\u00f3 th\u1ec3 t\u1eadp trung n\u0103ng l\u01b0\u1ee3ng v\u00e0o vi\u1ec7c t\u01b0 v\u1ea5n cho c\u00e1c c\u00e1 nh\u00e2n v\u00e0 t\u1eadp \u0111o\u00e0n c\u1ea7n h\u01b0\u1edbng d\u1eabn t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c l\u1ea1i c\u00e1c c\u00f4ng ty th\u00f4ng qua s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i, qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 ho\u1eb7c huy \u0111\u1ed9ng ti\u1ec1n cho m\u1ed9t s\u1ed1 doanh nghi\u1ec7p v\u00e0 ch\u00ednh ph\u1ee7 li\u00ean bang.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1edbi \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh \u0111\u1eb7c tr\u01b0ng l\u00e0 cung c\u1ea5p \u0111a d\u1ea1ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u1edbi nghi\u1ec7p v\u1ee5 c\u01a1 b\u1ea3n l\u00e0 nh\u1eadn ti\u1ec1n g\u1eedi, cho vay v\u00e0 cung \u1ee9ng c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n gi\u1eefa kh\u00e1ch h\u00e0ng v\u1edbi ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1ee3c l\u1ea1i. Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i gi\u00fap ng\u01b0\u1eddi ti\u00eau d\u00f9ng h\u00e0ng ng\u00e0y v\u00e0 c\u1ea3 t\u1eadp trung v\u00e0o h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p. C\u1ea3 c\u00e1c t\u1eadp \u0111o\u00e0n l\u1edbn v\u00e0 doanh nghi\u1ec7p nh\u1ecf \u0111\u1ec1u c\u00f3 th\u1ec3 l\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i n\u1ebfu h\u1ecd c\u1ea7n m\u1edf t\u00e0i kho\u1ea3n s\u00e9c ho\u1eb7c ti\u1ebft ki\u1ec7m, vay ti\u1ec1n, ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng ho\u1eb7c chuy\u1ec3n ti\u1ec1n cho c\u00e1c c\u00f4ng ty \u1edf th\u1ecb tr\u01b0\u1eddng n\u01b0\u1edbc ngo\u00e0i.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"wp-image-4358 size-full\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-thuong-mai_compressed.jpg\" alt=\"Top 10 Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam uy t\u00edn n\u0103m 2019\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-thuong-mai_compressed.jpg 1754w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-thuong-mai_compressed-300x212.jpg 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-thuong-mai_compressed-1024x724.jpg 1024w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-thuong-mai_compressed-768x543.jpg 768w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-thuong-mai_compressed-1536x1086.jpg 1536w\" sizes=\"(max-width: 1754px) 100vw, 1754px\" \/> <em>Top 10 Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam uy t\u00edn n\u0103m 2019<\/em><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Ng\u00e2n h\u00e0ng trong b\u00f3ng t\u1ed1i (Shadow banking)<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">C\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng trong b\u00f3ng t\u1ed1i (shadow banking system) bao g\u1ed3m t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh m\u00e0 kh\u00f4ng b\u1ecb r\u00e0ng bu\u1ed9c b\u1edfi c\u00e1c quy t\u1eafc nghi\u00eam ng\u1eb7t c\u00f9ng v\u00e0 quy \u0111\u1ecbnh r\u1eb1ng c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c ph\u1ea3i tu\u00e2n th\u1ee7. Kh\u00f4ng gi\u1ed1ng nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng quy \u0111\u1ecbnh ti\u00eau chu\u1ea9n, c\u00e1c ng\u00e2n h\u00e0ng b\u00f3ng t\u1ed1i x\u1eed l\u00fd t\u00edn d\u1ee5ng v\u00e0 c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n kh\u00e1c nhau. C\u1ee5m t\u1eeb \u201cng\u00e2n h\u00e0ng trong b\u00f3ng t\u1ed1i\u201d \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 ch\u1ec9 nh\u1eefng s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 \u1ea9n ch\u1ee9a nhi\u1ec1u r\u1ee7i ro, ho\u1ea1t \u0111\u1ed9ng cho vay t\u01b0 nh\u00e2n gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n, ti\u1ec7m c\u1ea7m \u0111\u1ed3 v\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay \u201cc\u1eaft c\u1ed5\u201d \u1edf c\u00e1c th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i. Ng\u00e2n h\u00e0ng trong b\u00f3ng t\u1ed1i c\u0169ng bao g\u1ed3m nh\u1eefng ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c coi tr\u1ecdng h\u01a1n nh\u01b0 giao d\u1ecbch ph\u00e1i sinh, c\u00e1c qu\u1ef9 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7, cho vay ch\u1ee9ng kho\u00e1n v\u00e0 th\u1ecfa thu\u1eadn mua l\u1ea1i gi\u1eefa c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh \u1edf ch\u00e2u \u00c2u v\u00e0 M\u1ef9.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Qu\u1ef9 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 v\u00e0 qu\u1ef9 ph\u00f2ng h\u1ed9 l\u00e0 hai lo\u1ea1i ng\u00e2n h\u00e0ng trong b\u00f3ng t\u1ed1i. G\u1ea7n \u0111\u00e2y, ch\u00fang l\u00e0 ngu\u1ed3n g\u00e2y tranh c\u00e3i cho kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi. Nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1ed5 l\u1ed7i cho ng\u00e0nh c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng trong b\u00f3ng t\u1ed1i \u00edt \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u00e3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 trong cu\u1ed9c kh\u1ee7ng ho\u1ea3ng th\u1ebf ch\u1ea5p d\u1eabn \u0111\u1ebfn cu\u1ed9c <\/span><span style=\"font-weight: 400;\">\u0110\u1ea1i suy tho\u00e1i<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"size-full wp-image-4360\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-trong-bong-toi.jpg\" alt=\"Ng\u00e2n h\u00e0ng trong b\u00f3ng t\u1ed1i \u00edt \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t g\u00f3p ph\u1ea7n d\u1eabn \u0111\u1ebfn kh\u1ee7ng ho\u1ea3ng\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-trong-bong-toi.jpg 650w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ngan-hang-trong-bong-toi-300x169.jpg 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/> <em>Ng\u00e2n h\u00e0ng trong b\u00f3ng t\u1ed1i \u00edt \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t g\u00f3p ph\u1ea7n d\u1eabn \u0111\u1ebfn kh\u1ee7ng ho\u1ea3ng<\/em><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng (Credit Unions)<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Gi\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng, li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng (Credit Unions) ph\u00e1t h\u00e0nh c\u00e1c kho\u1ea3n vay, cung c\u1ea5p c\u00e1c kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00e0 ki\u1ec3m tra t\u00e0i kho\u1ea3n v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u t\u00e0i ch\u00ednh kh\u00e1c cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 doanh nghi\u1ec7p. S\u1ef1 kh\u00e1c bi\u1ec7t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 c\u00e1c c\u00f4ng ty v\u00ec l\u1ee3i nhu\u1eadn trong khi c\u00e1c li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng th\u00ec kh\u00f4ng. Nh\u1eefng \u0111\u1ecbnh ch\u1ebf n\u00e0y \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0 \u0111i\u1ec1u h\u00e0nh b\u1edfi c\u00e1c th\u00e0nh vi\u00ean c\u1ee7a m\u00ecnh v\u00e0 l\u1ee3i nhu\u1eadn \u0111\u01b0\u1ee3c chia gi\u1eefa nh\u1eefng ng\u01b0\u1eddi s\u1edf h\u1eefu.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"size-full wp-image-4354\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/lien-hiep-tin-dung_compressed_compressed.jpg\" alt=\"Li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng t\u1ea1i Hoa K\u1ef3\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/lien-hiep-tin-dung_compressed_compressed.jpg 1944w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/lien-hiep-tin-dung_compressed_compressed-300x200.jpg 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/lien-hiep-tin-dung_compressed_compressed-1024x683.jpg 1024w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/lien-hiep-tin-dung_compressed_compressed-768x512.jpg 768w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/lien-hiep-tin-dung_compressed_compressed-1536x1024.jpg 1536w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/lien-hiep-tin-dung_compressed_compressed-272x182.jpg 272w\" sizes=\"(max-width: 1944px) 100vw, 1944px\" \/> RTP &#8211; <em>Li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng t\u1ea1i Hoa K\u1ef3<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Th\u00f4ng th\u01b0\u1eddng, c\u00e1c li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng ch\u1ec9 ph\u1ee5c v\u1ee5 nh\u1eefng ng\u01b0\u1eddi li\u00ean k\u1ebft v\u1edbi m\u1ed9t nh\u00f3m c\u1ee5 th\u1ec3, nh\u01b0 nh\u1eefng ng\u01b0\u1eddi s\u1ed1ng trong c\u00f9ng khu v\u1ef1c, th\u00e0nh vi\u00ean thu nh\u1eadp th\u1ea5p c\u1ee7a c\u1ed9ng \u0111\u1ed3ng ho\u1eb7c qu\u00e2n \u0111\u1ed9i. Vi\u1ec7c h\u1ecd c\u00f3 xu h\u01b0\u1edbng thu ph\u00ed th\u1ea5p h\u01a1n v\u00e0 l\u00e3i su\u1ea5t cho vay th\u1ea5p h\u01a1n l\u00e0 hai <\/span><span style=\"font-weight: 400;\">l\u00fd do<\/span><span style=\"font-weight: 400;\"> t\u1ed1t \u0111\u1ec3 xem x\u00e9t m\u1edf t\u00e0i kho\u1ea3n t\u1ea1i m\u1ed9t li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng .<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Hi\u1ec7p h\u1ed9i ti\u1ebft ki\u1ec7m v\u00e0 cho vay (Savings and loan association)<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">V\u1ec1 m\u1eb7t k\u1ef9 thu\u1eadt, c\u00e1c hi\u1ec7p h\u1ed9i ti\u1ebft ki\u1ec7m v\u00e0 cho vay kh\u00f4ng ph\u1ea3i l\u00e0 ng\u00e2n h\u00e0ng. Th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 ti\u1ebft ki\u1ec7m ho\u1eb7c S &amp; Ls, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp d\u01b0\u1edbi h\u00ecnh th\u1ee9c t\u01b0\u01a1ng h\u1ed7 hay c\u1ed5 ph\u1ea7n nh\u1eadn ti\u1ebft ki\u1ec7m t\u1eeb d\u00e2n c\u01b0 v\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee7 y\u1ebfu v\u00e0o c\u00e1c kho\u1ea3n cho vay th\u1ebf ch\u1ea5p, cho vay t\u00e1i c\u1ea5p v\u1ed1n v\u00e0 c\u00e1c kho\u1ea3n vay mua nh\u00e0 kh\u00e1c m\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e2y d\u1ef1ng ho\u1eb7c c\u1ea3i t\u1ea1o nh\u00e0. M\u1ed9t s\u1ed1 ti\u1ebft ki\u1ec7m c\u00f3 ch\u1ee9c n\u0103ng b\u1ed5 sung v\u00e0 m\u1ed9t s\u1ed1 l\u00e0 c\u00e1c c\u00f4ng ty giao d\u1ecbch c\u00f4ng khai.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tr\u01b0\u1edbc \u0111\u00e2y, S &amp; Ls ch\u1ee7 y\u1ebfu ho\u1ea1t \u0111\u1ed9ng nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c h\u1ee3p t\u00e1c. C\u00e1c th\u00e0nh vi\u00ean \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a S &amp; L v\u00e0 ki\u1ebfm \u0111\u01b0\u1ee3c nhi\u1ec1u ti\u1ec1n l\u00e3i t\u1eeb kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a h\u1ecd h\u01a1n so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Trong m\u1ed9t th\u1eddi gian, S &amp; L kh\u00f4ng \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh, nh\u01b0ng b\u00e2y gi\u1edd V\u0103n ph\u00f2ng gi\u00e1m s\u00e1t ti\u1ebft ki\u1ec7m li\u00ean bang gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ecd.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 c\u00f9ng m\u1ed9t m\u1ee5c \u0111\u00edch. C\u00f3 nhi\u1ec1u lo\u1ea1i t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 m\u1ed7i lo\u1ea1i \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng theo m\u1ed9t c\u00e1ch ri\u00eang. Khi b\u1ea1n bi\u1ebft s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c lo\u1ea1i ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng \u0111o\u00e0n t\u00edn d\u1ee5ng, b\u1ea1n s\u1ebd c\u00f3 th\u1ec3 hi\u1ec3u t\u1ea1i sao ch\u00fang l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng trong h\u1ec7 th\u1ed1ng kinh t\u1ebf.<\/span><\/p>\n<p style=\"text-align: right;\"><i><span style=\"font-weight: 400;\">Ngu\u1ed3n d\u1ecbch t\u1eeb smartasset.com<\/span><\/i><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/innotech-vn.com\/vie\/\"><b>Innotech Vietnam<\/b><\/a><span style=\"font-weight: 400;\"> lu\u00f4n n\u1ed7 l\u1ef1c \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5, gi\u1ea3i ph\u00e1p ch\u1ea5t l\u01b0\u1ee3ng nh\u1ea5t. V\u00ec v\u1eady ch\u00fang t\u00f4i \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 tin t\u01b0\u1edfng t\u1eeb c\u00e1c c\u00f4ng ty l\u1edbn nh\u01b0 ACB, Tyme Bank, Unifimoney, Manulife, Commonwealth Bank,\u2026 \u1ee9ng d\u1ee5ng gi\u1ea3i ph\u00e1p do Innotech Vietnam cung c\u1ea5p.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t c\u00f4ng ty Fintech Outsourcing \u0111\u1ec3 cung c\u1ea5p gi\u1ea3i ph\u00e1p cho c\u00f4ng ty c\u1ee7a b\u1ea1n. Li\u00ean h\u1ec7 v\u1edbi c\u00e1c chuy\u00ean gia t\u1ea1i Innotech Vietnam \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p m\u1ecdi th\u1eafc m\u1eafc v\u1ec1 <\/span><a href=\"https:\/\/innotech-vn.com\/vie\/software-development\/banking-and-financial-services\/\"><b>Fintech software Outsourcing<\/b><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:info@innotech-vn.com\"><span style=\"font-weight: 400;\">info@innotech-vn.com<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>Share your information<\/h2>\n<p>&nbsp;<\/p>\n\n\t\t\t\t\t<script>\n\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\tportalId: 6619918,\n\t\t\t\t\t\t\t\tformId: \"b4a8f47d-4168-452e-bb6a-9012b6fd35b9\",\n\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1732262181000-9328072079\",\n\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t})});\n\t\t\t\t\t<\/script>\n\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1732262181000-9328072079\"><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 c\u00f9ng m\u1ed9t m\u1ee5c \u0111\u00edch. C\u00e1c lo\u1ea1i ng\u00e2n h\u00e0ng kh\u00e1c nhau gi\u1eef vai tr\u00f2 v\u00e0 ch\u1ee9c n\u0103ng kh\u00e1c nhau trong n\u1ec1n kinh t\u1ebf. &nbsp; D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t t\u1ed5ng h\u1ee3p nh\u1eefng h\u00ecnh th\u1ee9c ng\u00e2n h\u00e0ng hi\u1ec7n c\u00f3: &nbsp; T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u00e0 g\u00ec? &nbsp; T\u1ed5 ch\u1ee9c t\u00e0i [&hellip;]<\/p>","protected":false},"author":7,"featured_media":4348,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"yst_prominent_words":[581,674,780,762,778,787,776,785,779,563,781,777,772,786,775,773,784,774,577,791],"publishpress_future_action":{"enabled":false,"date":"2024-11-29 14:56:21","action":"draft","terms":[],"taxonomy":"category"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/4345"}],"collection":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/comments?post=4345"}],"version-history":[{"count":0,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/4345\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media\/4348"}],"wp:attachment":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media?parent=4345"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/categories?post=4345"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/tags?post=4345"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/yst_prominent_words?post=4345"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}