{"id":4405,"date":"2019-12-26T09:28:16","date_gmt":"2019-12-26T09:28:16","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=4405"},"modified":"2020-02-04T08:50:28","modified_gmt":"2020-02-04T08:50:28","slug":"dinh-huong-phat-trien-nganh-ngan-hang-viet-nam-den-nam-2030","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/dinh-huong-phat-trien-nganh-ngan-hang-viet-nam-den-nam-2030\/","title":{"rendered":"\u0110\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u1ebfn n\u0103m 2030"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Ng\u00e0y 08\/08\/2018, Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam \u0111\u00e3 ph\u00ea duy\u1ec7t chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u1ebfn n\u0103m 2025 v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam l\u00e0 g\u00ec?<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"wp-image-4417 size-full\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/dinh-huong-phat-trien-nganh-ngan-hang-2030_compressed.jpg\" alt=\"Ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t, \u1ed5n \u0111\u1ecbnh gi\u00e1 tr\u1ecb \u0111\u1ed3ng ti\u1ec1n l\u00e0 nhi\u1ec7m v\u1ee5 quan tr\u1ecdng c\u1ee7a ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/dinh-huong-phat-trien-nganh-ngan-hang-2030_compressed.jpg 800w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/dinh-huong-phat-trien-nganh-ngan-hang-2030_compressed-300x240.jpg 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/dinh-huong-phat-trien-nganh-ngan-hang-2030_compressed-768x614.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\u00a0<i>H\u00ecnh \u1ea3nh ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam<\/i><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u1ee7a Vi\u1ec7t Nam tr\u1ef1c thu\u1ed9c Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam l\u00e0 c\u01a1 quan \u0111\u1ea3m tr\u00e1ch vi\u1ec7c qu\u1ea3n l\u00fd ti\u1ec1n t\u1ec7 v\u00e0 tham m\u01b0u c\u00e1c ch\u00ednh s\u00e1ch li\u00ean quan \u0111\u1ebfn ti\u1ec1n t\u1ec7 cho Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam nh\u01b0: ph\u00e1t h\u00e0nh ti\u1ec1n t\u1ec7, ch\u00ednh s\u00e1ch t\u1ef7 gi\u00e1, ch\u00ednh s\u00e1ch v\u1ec1 l\u00e3i su\u1ea5t, qu\u1ea3n l\u00fd d\u1ef1 tr\u1eef ngo\u1ea1i t\u1ec7, so\u1ea1n th\u1ea3o c\u00e1c d\u1ef1 th\u1ea3o lu\u1eadt v\u1ec1 kinh doanh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, xem x\u00e9t vi\u1ec7c th\u00e0nh l\u1eadp c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, qu\u1ea3n l\u00fd c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>\u0110\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u0103m 2030<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong><a href=\"https:\/\/innotech-vn.com\/vie\/dinh-huong-phat-trien-nganh-ngan-hang-viet-nam-den-nam-2030\/\">Ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u0103m 2030<\/a> <\/strong>s\u1ebd x\u00e2y d\u1ef1ng khu\u00f4n kh\u1ed5 ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn m\u1ee5c ti\u00eau \u01b0u ti\u00ean cao nh\u1ea5t l\u00e0 ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t, \u1ed5n \u0111\u1ecbnh gi\u00e1 tr\u1ecb \u0111\u1ed3ng ti\u1ec1n, g\u00f3p ph\u1ea7n gi\u1eef v\u1eefng \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4, t\u0103ng t\u00ednh \u0111\u1ed9c l\u1eadp c\u1ee7a NHNN trong \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7<\/span><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">M\u1ed9t k\u1ebf ho\u1ea1ch to\u00e0n di\u1ec7n \u0111\u1ec3 kh\u00f4ng ch\u1ec9 t\u0103ng c\u01b0\u1eddng t\u00ednh \u0111\u1ed9c l\u1eadp v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, chi\u1ebfn l\u01b0\u1ee3c n\u00e0y c\u00f2n \u0111\u1eb7t ra m\u1ed9t s\u1ed1 m\u1ee5c ti\u00eau ch\u00ednh \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng v\u00e0 t\u0103ng t\u00ednh minh b\u1ea1ch c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc n\u00e0y.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"size-full wp-image-4419\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/kiem-soat-lam-phat-on-dinh-dong-tien.jpg\" alt=\"Ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t, \u1ed5n \u0111\u1ecbnh gi\u00e1 tr\u1ecb \u0111\u1ed3ng ti\u1ec1n l\u00e0 nhi\u1ec7m v\u1ee5 quan tr\u1ecdng\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/kiem-soat-lam-phat-on-dinh-dong-tien.jpg 660w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/kiem-soat-lam-phat-on-dinh-dong-tien-300x163.jpg 300w\" sizes=\"(max-width: 660px) 100vw, 660px\" \/> <em>Ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t, \u1ed5n \u0111\u1ecbnh gi\u00e1 tr\u1ecb \u0111\u1ed3ng ti\u1ec1n l\u00e0 nhi\u1ec7m v\u1ee5 quan tr\u1ecdng<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">T\u1eeb l\u00e2u, ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ee7a Vi\u1ec7t Nam \u0111\u00e3 b\u1ecb t\u00e1c \u0111\u1ed9ng c\u1ee7a h\u00e0ng lo\u1ea1t c\u00e1c v\u1ea5n \u0111\u1ec1 mang t\u00ednh h\u1ec7 th\u1ed1ng, bao g\u1ed3m c\u1ea3 tham nh\u0169ng v\u00e0 l\u1ee3i d\u1ee5ng ch\u1ee9c quy\u1ec1n. \u0110\u1ec3 ki\u1ec3m so\u00e1t t\u1ed1t v\u1ea5n \u0111\u1ec1 \u0111\u00f3, nhi\u1ec1u n\u0103m qua NHNN \u0111\u00e3 th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch n\u0103m 5, ch\u1ee7 y\u1ebfu t\u00ecm c\u00e1ch l\u00e0m r\u00f5 r\u00e0ng khu v\u1ef1c n\u1ee3 x\u1ea5u b\u1eb1ng c\u00e1ch ti\u1ebfp qu\u1ea3n ho\u1eb7c t\u00e1i c\u01a1 c\u1ea5u c\u00f4ng ty \u0111\u1ec3 c\u1ea3i thi\u1ec7n nh\u1eefng t\u00ecnh h\u00ecnh. T\u1eeb n\u0103m 2013 \u0111\u1ebfn \u0111\u1ea7u n\u0103m 2018, t\u1ef7 l\u1ec7 cho vay kh\u00f4ng ph\u00f9 h\u1ee3p c\u1ee7a ng\u00e0nh \u0111\u00e3 gi\u1ea3m \u0111\u00e1ng k\u1ec3 t\u1eeb 13% xu\u1ed1ng ch\u1ec9 c\u00f2n 2%.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Th\u1ef1c hi\u1ec7n t\u1eebng m\u1ee5c ti\u00eau \u0111\u1ec3 \u0111\u00e1p \u1ee9ng chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n n\u0103m 2025<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">B\u00e2y gi\u1edd theo chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n m\u1edbi n\u00e0y, nhi\u1ec1u m\u1ee5c ti\u00eau \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng h\u01a1n n\u1eefa l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. Ch\u1eb3ng h\u1ea1n, m\u1ed9t m\u1ee5c ti\u00eau l\u00e0 th\u00fac \u0111\u1ea9y khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n th\u00f4ng qua vi\u1ec7c t\u0103ng hi\u1ec7u qu\u1ea3 v\u00e0 n\u0103ng l\u1ef1c ki\u1ec3m tra v\u00e0 gi\u00e1m s\u00e1t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 bao g\u1ed3m c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong ph\u1ea1m vi gi\u00e1m s\u00e1t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 v\u00e0o cu\u1ed1i n\u0103m 2020, \u00edt nh\u1ea5t 12 \u0111\u1ebfn 15 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i n\u00ean \u00e1p d\u1ee5ng c\u00e1c <\/span><strong><a href=\"https:\/\/whatis.techtarget.com\/definition\/Basel-II\">ti\u00eau chu\u1ea9n Basel II<\/a><\/strong><span style=\"font-weight: 400;\"> quy \u0111\u1ecbnh c\u00e1c ng\u01b0\u1ee1ng t\u1ed1i thi\u1ec3u v\u1ec1 v\u1ed1n v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro. V\u00e0 \u0111\u1ebfn n\u0103m 2025, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng n\u00ean tu\u00e2n theo c\u00e1c ti\u00eau chu\u1ea9n \u0111\u00f3.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u1eb7c d\u00f9 \u0111i\u1ec1u n\u00e0y ch\u1eafc ch\u1eafn s\u1ebd l\u00e0 m\u1ed9t k\u1ef3 t\u00edch \u1ea5n t\u01b0\u1ee3ng, tuy nhi\u00ean,<\/span><span style=\"font-weight: 400;\"> Moody<\/span><span style=\"font-weight: 400;\"> l\u01b0u \u00fd r\u1eb1ng h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t th\u00e1ch th\u1ee9c l\u1edbn trong vi\u1ec7c \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau chu\u1ea9n Basel II, \u0111\u1eb7c bi\u1ec7t l\u00e0 do thi\u1ebfu v\u1ed1n trong n\u01b0\u1edbc. Nh\u01b0 v\u1eady, h\u1ea7u h\u1ebft nh\u1eefng ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i t\u00ecm \u0111\u1ebfn c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n. Nh\u01b0ng li\u1ec7u s\u1ed1 ti\u1ec1n huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c cu\u1ed1i c\u00f9ng c\u00f3 \u0111\u1ee7 hay kh\u00f4ng v\u1eabn l\u00e0 c\u00e2u h\u1ecfi ch\u01b0a \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi. C\u01a1 quan x\u1ebfp h\u1ea1ng Fitch \u0111ang k\u1ef3 v\u1ecdng ng\u00e0nh ng\u00e2n h\u00e0ng s\u1ebd thi\u1ebfu kho\u1ea3ng 20 t\u1ef7 \u0111\u00f4 la v\u1ed1n c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1p \u1ee9ng Basel II.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4436 size-full\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ap-dung-basel-II.png\" alt=\"\" width=\"885\" height=\"514\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ap-dung-basel-II.png 885w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ap-dung-basel-II-300x174.png 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/ap-dung-basel-II-768x446.png 768w\" sizes=\"(max-width: 885px) 100vw, 885px\" \/> <em>T\u00ecnh h\u00ecnh ch\u1ea5p h\u00e0nh Basel II c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Nh\u01b0ng \u0111\u00e1ng kh\u00edch l\u1ec7, Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 b\u1ea3y ng\u00e2n h\u00e0ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee7a Basel II tr\u01b0\u1edbc th\u1eddi h\u1ea1n. \u0110\u1ea7u th\u00e1ng 5\/2019, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ch\u1ea5p thu\u1eadn cho Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i Ch\u00e2u \u00c1 (ACB) \u00e1p d\u1ee5ng c\u00e1c ti\u00eau chu\u1ea9n, b\u1ed5 sung v\u00e0o c\u00e1c ph\u00ea duy\u1ec7t \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra cho Vi\u1ec7t Nam, Ng\u00e2n h\u00e0ng Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIB), Ng\u00e2n h\u00e0ng C\u1ed5 ph\u1ea7n Th\u01b0\u01a1ng m\u1ea1i Ph\u01b0\u01a1ng \u0110\u00f4ng (OCB), Ng\u00e2n h\u00e0ng C\u1ed5 ph\u1ea7n Th\u01b0\u01a1ng m\u1ea1i Qu\u00e2n \u0111\u1ed9i (MBBank), Ng\u00e2n h\u00e0ng Ti\u1ec1n Phong (TPBank) v\u00e0 Ng\u00e2n h\u00e0ng C\u1ed5 ph\u1ea7n Th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam th\u1ecbnh v\u01b0\u1ee3ng (VPBank). Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111ang gi\u00fap ng\u00e0nh n\u00e0y tu\u00e2n th\u1ee7 Basel II b\u1eb1ng c\u00e1ch khuy\u1ebfn kh\u00edch c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh tho\u00e1i v\u1ed1n kh\u1ecfi c\u00e1c c\u00f4ng ty cho vay th\u01b0\u01a1ng m\u1ea1i kh\u00e1c.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u1ed9t m\u1ee5c ti\u00eau kh\u00e1c c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n m\u1edbi l\u00e0 c\u00f3 \u00edt nh\u1ea5t hai \u0111\u1ebfn ba ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ee7a m\u00ecnh \u0111\u01b0\u1ee3c \u0111\u1eb7t trong s\u1ed1 100 ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u ch\u00e2u \u00c1 b\u1eb1ng t\u00e0i s\u1ea3n tr\u01b0\u1edbc cu\u1ed1i n\u0103m 2025, c\u0169ng nh\u01b0 c\u00f3 ba \u0111\u1ebfn n\u0103m trong s\u1ed1 \u0111\u00f3 \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft tr\u00ean c\u00e1c s\u00e0n giao d\u1ecbch ch\u1ee9ng kho\u00e1n n\u01b0\u1edbc ngo\u00e0i. Theo nh\u01b0 m\u1ee5c \u0111\u00edch sau c\u1ee7a hai m\u1ee5c ti\u00eau n\u00e0y, hi\u1ec7n ch\u00fang ta \u0111ang ch\u1ee9ng ki\u1ebfn \u200b\u200bng\u00e0y c\u00e0ng nhi\u1ec1u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f4ng b\u1ed1 k\u1ebf ho\u1ea1ch m\u1edf r\u1ed9ng ra qu\u1ed1c t\u1ebf. Ch\u1eb3ng h\u1ea1n, v\u1edbi vi\u1ec7c c\u00e1c c\u00f4ng ty Vi\u1ec7t Nam t\u0103ng c\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 t\u1ea1i B\u1edd Bi\u1ec3n Ng\u00e0, Ng\u00e2n h\u00e0ng C\u1ed5 ph\u1ea7n Th\u01b0\u01a1ng m\u1ea1i S\u00e0i G\u00f2n-H\u00e0 N\u1ed9i (SHB) g\u1ea7n \u0111\u00e2y \u0111\u00e3 n\u00f3i v\u1edbi c\u00e1c c\u1ed5 \u0111\u00f4ng v\u1ec1 k\u1ebf ho\u1ea1ch th\u00e0nh l\u1eadp ng\u00e2n h\u00e0ng con ho\u1eb7c h\u1ed7 tr\u1ee3 cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3 \u1edf qu\u1ed1c gia T\u00e2y Phi n\u00e0y. Vietcombank c\u0169ng \u0111\u00e3 ra m\u1eaft ng\u00e2n h\u00e0ng qu\u1ed1c t\u1ebf \u0111\u1ea7u ti\u00ean v\u00e0o th\u00e1ng 10\/2018 t\u1ea1i L\u00e0o v\u00e0 s\u1ebd s\u1edbm tr\u1edf th\u00e0nh ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam \u0111\u1ea7u ti\u00ean m\u1edf v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n t\u1ea1i Hoa K\u1ef3, \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 ch\u1ea5p thu\u1eadn c\u1ee7a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang Hoa K\u1ef3. Ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n t\u1ea1i Singapore v\u00e0 H\u1ed3ng K\u00f4ng, v\u00e0 n\u00f3 c\u0169ng \u0111ang th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau m\u1edf chi nh\u00e1nh t\u1ea1i \u00dac trong n\u0103m 2019.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">C\u0169ng c\u00f3 kh\u1ea3 n\u0103ng ch\u00ednh ph\u1ee7 gi\u1edbi h\u1ea1n s\u1ed1 l\u01b0\u1ee3ng gi\u1ea5y ph\u00e9p m\u00e0 n\u00f3 trao cho c\u00e1c ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i hi\u1ec7n \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam nh\u01b0 m\u1ed9t c\u00e1ch \u0111\u1ec3 t\u0103ng th\u1ecb ph\u1ea7n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc. Th\u00e1ng 8\/2018, Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng V\u01b0\u01a1ng \u0110\u00ecnh Hu\u1ec7 tuy\u00ean b\u1ed1 r\u1eb1ng Vi\u1ec7t Nam s\u1ebd h\u1ea1n ch\u1ebf nghi\u00eam ng\u1eb7t, ho\u1eb7c c\u00f3 th\u1ec3 d\u1eebng, c\u1ea5p gi\u1ea5y ph\u00e9p m\u1edbi cho c\u00e1c ng\u00e2n h\u00e0ng 100% v\u1ed1n n\u01b0\u1edbc ngo\u00e0i.Nh\u01b0ng t\u00ednh \u0111\u1ebfn hi\u1ec7n nay, Vi\u1ec7t Nam \u0111\u00e3 c\u1ea5p gi\u1ea5y ph\u00e9p cho 10 c\u00f4ng ty cho vay n\u01b0\u1edbc ngo\u00e0i, bao g\u1ed3m HSBC (T\u1eadp \u0111o\u00e0n ng\u00e2n h\u00e0ng H\u1ed3ng K\u00f4ng v\u00e0 Th\u01b0\u1ee3ng H\u1ea3i), Standard Chartered v\u00e0 CIMB (Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c t\u1ebf).<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>T\u1ed5ng quan t\u00ecnh h\u00ecnh ng\u00e0nh ng\u00e2n h\u00e0ng trong n\u0103m 2019<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Theo nh\u01b0 tri\u1ec3n v\u1ecdng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f3 li\u00ean quan, b\u1ea3n th\u00e2n c\u00e1c ng\u00e2n h\u00e0ng d\u01b0\u1eddng nh\u01b0 c\u00f3 m\u1ed9t \u0111\u00e1nh gi\u00e1 t\u00edch c\u1ef1c \u0111\u00e1ng k\u1ec3 v\u1ec1 kh\u1ea3 n\u0103ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ecd trong nh\u1eefng th\u00e1ng t\u1edbi. Theo m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u00e0o th\u00e1ng 3 bao g\u1ed3m c\u1ea3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u01b0\u1edbc ngo\u00e0i v\u00e0 trong n\u01b0\u1edbc, h\u01a1n 70% cho r\u1eb1ng t\u00ecnh h\u00ecnh kinh doanh c\u1ee7a h\u1ecd \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n trong qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2019. 14,3% trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00f3, \u0111\u00e3 c\u00f3 s\u1ef1 c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3. V\u00e0 h\u01a1n 80% nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t mong \u0111\u1ee3i k\u1ebft qu\u1ea3 t\u1ed1t h\u01a1n trong qu\u00fd th\u1ee9 hai; 88% d\u1ef1 \u0111o\u00e1n s\u1ebd ti\u1ebfp t\u1ee5c c\u1ea3i thi\u1ec7n trong n\u0103m nay, trong \u0111\u00f3 28%\u00a0 mong \u0111\u1ee3i c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3, v\u00e0 h\u01a1n 60% k\u1ebf ho\u1ea1ch \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng tuy\u1ec3n d\u1ee5ng trong qu\u00fd.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.moodys.com\/\"><strong>Moody<\/strong><\/a> th\u1ea5y tri\u1ec3n v\u1ecdng n\u0103m 2019 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n cho c\u00e1c ng\u00e2n h\u00e0ng c\u1ee7a Vi\u1ec7t Nam. V\u00e0 v\u1edbi vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c l\u00e0m s\u1ea1ch b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n, Rebecca Tan m\u1ed9t th\u00e0nh vi\u00ean c\u1ee7a h\u1ed9i \u0111\u1ed3ng x\u1ebfp h\u1ea1ng c\u0169ng k\u1ef3 v\u1ecdng ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n s\u1ebd \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n, trong khi t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng s\u1ebd v\u1eabn \u1ed5n \u0111\u1ecbnh do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n. \u0110i\u1ec1u \u0111\u00f3 n\u00f3i r\u1eb1ng, Moody \u0111\u00e3 thay \u0111\u1ed5i tri\u1ec3n v\u1ecdng cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u1eeb t\u00edch c\u1ef1c sang \u1ed5n \u0111\u1ecbnh v\u00e0o th\u00e1ng 11. Rebecca Tan l\u01b0u \u00fd r\u1eb1ng r\u1ee7i ro v\u1ec1 t\u00e0i s\u1ea3n v\u1eabn c\u00f2n r\u00f5 r\u1ec7t sau nhi\u1ec1u n\u0103m t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng nhanh ch\u00f3ng v\u00e0 s\u1ef1 s\u1ee5p \u0111\u1ed5 t\u1eeb c\u00e1c tranh ch\u1ea5p th\u01b0\u01a1ng m\u1ea1i gi\u1eefa Hoa K\u1ef3 v\u00e0 Trung Qu\u1ed1c s\u1ebd th\u1ea5y Vi\u1ec7t Nam d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng do t\u0103ng tr\u01b0\u1edfng th\u01b0\u01a1ng m\u1ea1i ch\u1eadm h\u01a1n.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"size-full wp-image-4421\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/moody.jpg\" alt=\"Moody l\u00e0 t\u1ed5 ch\u1ee9c x\u1ebfp h\u1ea1ng c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1edbi vi\u1ec7c d\u1ef1 \u0111o\u00e1n kh\u1ea3 n\u0103ng t\u00edn d\u1ee5ng trong t\u01b0\u01a1ng lai.\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/moody.jpg 650w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2019\/12\/moody-300x187.jpg 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/> <em>Moody l\u00e0 t\u1ed5 ch\u1ee9c x\u1ebfp h\u1ea1ng c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1edbi vi\u1ec7c d\u1ef1 \u0111o\u00e1n kh\u1ea3 n\u0103ng t\u00edn d\u1ee5ng trong t\u01b0\u01a1ng lai.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tuy nhi\u00ean, trong th\u1eddi gian t\u1edbi, th\u00e1ch th\u1ee9c tr\u01b0\u1edbc m\u1eaft \u0111\u1ed1i v\u1edbi nhi\u1ec1u ng\u00e2n h\u00e0ng l\u00e0 t\u0103ng v\u1ed1n tr\u01b0\u1edbc cu\u1ed1i n\u0103m nay \u0111\u1ec3 \u0111\u00e1p \u1ee9ng ng\u01b0\u1ee1ng Basel II c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. N\u1ebfu h\u1ecd l\u00e0m nh\u01b0 v\u1eady, th\u00ec h\u1ecd m\u1edbi \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u1eadn h\u1ea1n ng\u1ea1ch t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng t\u1eeb ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u1ec3 cho ph\u00e9p h\u1ecd \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn h\u01a1n n\u1eefa. H\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn t\u1ea1o ra ph\u1ea7n l\u1edbn l\u1ee3i nhu\u1eadn c\u1ee7a h\u1ecd th\u00f4ng qua t\u00edn d\u1ee5ng v\u00e0 do \u0111\u00f3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi kh\u1ea3 n\u0103ng gi\u1ea3m m\u1ea1nh v\u1ec1 l\u1ee3i nhu\u1eadn n\u1ebfu h\u1ecd kh\u00f4ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u v\u1ec1 v\u1ed1n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, nh\u01b0 tr\u01b0\u1eddng h\u1ee3p n\u0103m 2018. Cu\u1ed9c \u0111ua n\u00e0y \u0111\u00e3 khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng thu h\u00fat \u0111\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 t\u0103ng m\u1ee9c v\u1ed1n h\u00f3a c\u1ee7a h\u1ecd.<\/span><\/p>\n<p style=\"text-align: right;\"><i><span style=\"font-weight: 400;\">Ngu\u1ed3n d\u1ecbch <\/span><\/i><i><span style=\"font-weight: 400;\">t\u1eeb <\/span><\/i><i>Nicholas Larsen<\/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-1749095744000-5210465939\",\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-1749095744000-5210465939\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Ng\u00e0y 08\/08\/2018, Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam \u0111\u00e3 ph\u00ea duy\u1ec7t chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u1ebfn n\u0103m 2025 v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030. &nbsp; Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam l\u00e0 g\u00ec? &nbsp; \u00a0H\u00ecnh \u1ea3nh ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam &nbsp; Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam l\u00e0 ng\u00e2n [&hellip;]<\/p>","protected":false},"author":7,"featured_media":4417,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[1,190],"tags":[],"yst_prominent_words":[739,674,834,844,840,831,836,833,837,830,835,832,828,829,772,842,841,838,839,75],"publishpress_future_action":{"enabled":false,"date":"2025-06-12 10:55:44","action":"draft","terms":[],"taxonomy":"category"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/4405"}],"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=4405"}],"version-history":[{"count":1,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/4405\/revisions"}],"predecessor-version":[{"id":4435,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/4405\/revisions\/4435"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media\/4417"}],"wp:attachment":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media?parent=4405"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/categories?post=4405"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/tags?post=4405"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/yst_prominent_words?post=4405"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}