{"id":5206,"date":"2020-03-20T10:32:23","date_gmt":"2020-03-20T10:32:23","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=5206"},"modified":"2024-06-04T18:11:05","modified_gmt":"2024-06-04T11:11:05","slug":"anh-huong-cua-covid-19-len-nganh-ngan-hang","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/anh-huong-cua-covid-19-len-nganh-ngan-hang\/","title":{"rendered":"\u1ea2nh H\u01b0\u1edfng c\u1ee7a Covid-19 \u0110\u1ed1i V\u1edbi Ng\u00e0nh Ng\u00e2n H\u00e0ng"},"content":{"rendered":"

Covid-19 \u1ea3nh h\u01b0\u1edfng<\/strong><\/a> nghi\u00eam tr\u1ecdng \u0111\u1ebfn l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, li\u1ec7u r\u1eb1ng m\u1ed9t cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 x\u1ea3y ra hay kh\u00f4ng?<\/span><\/p>\n

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\u1ea2nh h\u01b0\u1edfng c\u1ee7a Covid-19\u00a0<\/strong><\/h2>\n

\u0110\u1ea1i d\u1ecbch do virus Corona g\u00e2y ra \u0111\u00e3 v\u00e0 \u0111ang t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn m\u1ecdi qu\u1ed1c gia v\u00e0 m\u1ecdi ng\u00e0nh c\u00f4ng nghi\u1ec7p. Covid-19 \u0111\u01b0\u1ee3c T\u1ed5 ch\u1ee9c Y t\u1ebf Th\u1ebf gi\u1edbi (WHO) tuy\u00ean b\u1ed1 l\u00e0 m\u1ed9t \u0111\u1ea1i d\u1ecbch to\u00e0n c\u1ea7u c\u00f3 kh\u1ea3 n\u0103ng l\u00e2y lan r\u1ea5t nhanh. T\u00ednh \u0111\u1ebfn ng\u00e0y 20 th\u00e1ng 3, \u0111\u00e3 c\u00f3 \u0111\u1ebfn 245.484 ca d\u01b0\u01a1ng t\u00ednh v\u00e0 h\u01a1n 10.000 ca t\u1eed vong tr\u00ean to\u00e0n th\u1ebf gi\u1edbi.<\/span><\/p>\n

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Gi\u1ed1ng nh\u01b0 nh\u1eefng ng\u00e0nh c\u00f4ng nghi\u1ec7p kh\u00e1c, ng\u00e0nh T\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 ch\u1ecbu \u1ea3nh h\u01b0\u1edfng c\u1ee7a Covid-19. \u0110\u1ebfn cu\u1ed1i th\u00e1ng Hai, gi\u00e1 c\u1ed5 phi\u1ebfu \u0111\u00e3 gi\u1ea3m m\u1ea1nh v\u00e0 gi\u00e1 Bitcoin gi\u1ea3m xu\u1ed1ng m\u1ee9c th\u1ea5p nh\u1ea5t trong ba tu\u1ea7n , gi\u1ea3m xu\u1ed1ng d\u01b0\u1edbi $ 8,700 v\u00e0 c\u00f3 m\u1ee9c gi\u1ea3m g\u1ea7n $ 2.000 ch\u1ec9 trong v\u00f2ng hai tu\u1ea7n.\u00a0<\/span><\/p>\n

Tu\u1ea7n th\u1ee9 2 c\u1ee7a th\u00e1ng 3 \u0111\u01b0\u1ee3c xem l\u00e0 th\u1eddi gian c\u00f3 bi\u1ebfn \u0111\u1ed9ng l\u1edbn nh\u1ea5t \u0111\u01b0\u1ee3c th\u1ea5y \u1edf Ph\u1ed1 Wall v\u00e0 t\u1ea1i c\u00e1c th\u1ecb tr\u01b0\u1eddng Anh k\u1ec3 t\u1eeb cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u0103m 2008. Nh\u1eefng ng\u00e0y h\u1ed7n lo\u1ea1n \u0111\u00f3 \u0111\u00e3 x\u00f3a s\u1ed5 2.000 \u0111i\u1ec3m ch\u1ec9 s\u1ed1 Dow, FTSE c\u00f3 ng\u00e0y t\u1ed3i t\u1ec7 nh\u1ea5t k\u1ec3 t\u1eeb n\u0103m 2008 v\u00e0 gi\u00e1 d\u1ea7u th\u00f4 gi\u1ea3m kho\u1ea3ng 30%.\u00a0<\/span><\/p>\n

T\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y, nh\u1eefng lo ng\u1ea1i v\u1ec1 m\u1ed9t cu\u1ed9c suy tho\u00e1i kinh t\u1ebf c\u00f3 v\u1ebb nh\u01b0 c\u00f2n qu\u00e1 s\u1edbm. Tuy nhi\u00ean, s\u1ef1 gi\u00e1n \u0111o\u1ea1n li\u00ean t\u1ee5c v\u00e0 \u0111\u00f3ng c\u1eeda c\u00e1c n\u1ec1n kinh t\u1ebf to\u00e0n c\u1ea7u c\u00f3 ngh\u0129a l\u00e0 m\u1ed9t cu\u1ed9c suy tho\u00e1i kinh t\u1ebf ho\u00e0n to\u00e0n c\u00f3 kh\u1ea3 n\u0103ng x\u1ea3y ra.\u00a0<\/span><\/p>\n

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Ng\u00e0nh ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u th\u00e1ch th\u1ee9c\u00a0<\/strong><\/h2>\n

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Ph\u00eda tr\u01b0\u1edbc l\u00e0 m\u1ed9t con \u0111\u01b0\u1eddng \u0111\u1ea7y kh\u00f3 kh\u0103n v\u00e0 ch\u00f4ng gai. \u0110\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c tr\u00ean, m\u1ed9t lo\u1ea1t c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 ng\u00e0nh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u00e1p d\u1ee5ng bao g\u1ed3m c\u00e1c b\u01b0\u1edbc k\u00edch th\u00edch t\u00e0i ch\u00ednh, gi\u1ea3m t\u1ef7 l\u1ec7, v\u00e0 n\u1edbi l\u1ecfng c\u00e1c quy t\u1eafc v\u1ed1n.\u00a0\u00a0\u00a0<\/span><\/p>\n

McKinsey tuy\u00ean b\u1ed1 r\u1eb1ng c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u1ed5n \u0111\u1ecbnh h\u1ec7 th\u1ed1ng. Gi\u1ea3i quy\u1ebft t\u00ecnh hu\u1ed1ng s\u1ebd y\u00eau c\u1ea7u h\u00e0nh \u0111\u1ed9ng to\u00e0n c\u1ea7u h\u01a1n n\u1eefa v\u00e0 s\u1ef1 ph\u1ed1i h\u1ee3p ri\u00eang t\u01b0 c\u1ee7a c\u1ed9ng \u0111\u1ed3ng. C\u00e1c ng\u00e2n h\u00e0ng s\u1ebd \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c n\u00e0y \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, nh\u00e2n vi\u00ean c\u1ee7a h\u1ecd v\u00e0 cho n\u1ec1n kinh t\u1ebf n\u00f3i chung. D\u1ecbch v\u1ee5 ti\u1ec1n m\u1eb7t v\u00e0 ti\u1ec1n g\u1eedi, gia h\u1ea1n t\u00edn d\u1ee5ng, t\u1ea1o thu\u1eadn l\u1ee3i thanh to\u00e1n v\u00e0 t\u1ea1o th\u1ecb tr\u01b0\u1eddng l\u00e0 t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 thi\u1ebft y\u1ebfu.<\/span><\/p>\n

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Khuy\u1ebfn ngh\u1ecb c\u1ee7a McKinsey d\u00e0nh cho c\u00e1c ng\u00e2n h\u00e0ng<\/strong><\/h2>\n

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McKinsey<\/strong> khuy\u1ebfn ngh\u1ecb r\u1eb1ng, tr\u01b0\u1edbc m\u1eaft c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n l\u00ean k\u1ebf ho\u1ea1ch cho giai \u0111o\u1ea1n c\u1ea5p t\u00ednh c\u1ee7a nhi\u1ec1u th\u00e1ng, v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c b\u00ean li\u00ean quan. H\u1ecd c\u0169ng n\u00ean nh\u1ea5n m\u1ea1nh ph\u1ea3i ki\u1ec3m tra c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, kh\u1ea3 n\u0103ng v\u00e0 quy tr\u00ecnh \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 \u00fd ngh\u0129a chi\u1ebfn l\u01b0\u1ee3c l\u00e2u d\u00e0i v\u1edbi Covid-19.<\/span><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u1ea7n c\u00f3 nh\u1eefng h\u00e0nh \u0111\u1ed9ng nh\u01b0 kh\u00f4ng gi\u1edbi h\u1ea1n \u1edf vi\u1ec7c th\u00e0nh l\u1eadp m\u1ed9t \u0111\u1ed9i \u0111\u1eb7c nhi\u1ec7m trung \u01b0\u01a1ng, \u0111\u00ecnh ch\u1ec9 c\u00e1c cu\u1ed9c t\u1ee5 h\u1ecdp v\u00e0 gi\u1ea3m vi\u1ec7c \u0111i l\u1ea1i, s\u1eafp x\u1ebfp \u0111\u1ec3 l\u00e0m vi\u1ec7c t\u1eeb xa v\u00e0 l\u00e0m m\u1edbi ch\u00ednh s\u00e1ch t\u01b0\u01a1ng t\u00e1c c\u1ee7a nh\u00e0 cung c\u1ea5p.<\/span><\/p>\n

Ngo\u00e0i ra<\/strong>, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng n\u00ean th\u1ef1c hi\u1ec7n ba b\u01b0\u1edbc ngay l\u1eadp t\u1ee9c:\u00a0<\/span><\/p>\n