{"id":461931,"date":"2021-01-01T11:48:26","date_gmt":"2021-01-01T04:48:26","guid":{"rendered":"http:\/\/canhco.net\/?p=461931"},"modified":"2021-01-01T11:48:26","modified_gmt":"2021-01-01T04:48:26","slug":"ngan-hang-viet-nam-2020-qua-nhung-con-so","status":"publish","type":"post","link":"https:\/\/m.canhco.net\/ngan-hang-viet-nam-2020-qua-nhung-con-so-p461931.html","title":{"rendered":"Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2020 qua nh\u1eefng con s\u1ed1"},"content":{"rendered":"

N\u0103m 2020 k\u1ebft th\u00fac v\u1edbi nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, \u201ctham s\u1ed1\u201d l\u1edbn nh\u1ea5t l\u00e0 \u0111\u1ea1i d\u1ecbch Covid-19. B\u1ee9c tranh ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u0169ng d\u1ea7n \u0111\u1ecbnh h\u00ecnh qua nh\u1eefng con s\u1ed1 l\u1ea7n l\u01b0\u1ee3t c\u00f4ng b\u1ed1 v\u00e0 c\u1eadp nh\u1eadt g\u1ea7n nh\u1ea5t.<\/strong><\/p>\n

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

Theo \u0111\u00f3, m\u1ee5c ti\u00eau \u0111\u01b0a t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u n\u1ed9i b\u1ea3ng xu\u1ed1ng d\u01b0\u1edbi 2% v\u00e0 \u0111\u01b0a t\u1ed5ng n\u1ee3 x\u1ea5u v\u1ec1 d\u01b0\u1edbi 3% t\u1ed5ng d\u01b0 n\u1ee3 v\u00e0o trong cu\u1ed1i n\u0103m nay \u0111\u1ec1 ra t\u1eeb \u0111\u1ea7u n\u0103m tr\u1edf n\u00ean kh\u00f3 hi\u1ec7n th\u1ef1c.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, \u00e1p l\u1ef1c n\u1ee3 x\u1ea5u c\u00f2n \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 h\u01a1n trong n\u0103m t\u1edbi, khi l\u01b0\u1ee3ng n\u1ee3 \u0111\u01b0\u1ee3c c\u01a1 c\u1ea5u l\u1ea1i m\u00e0 kh\u00f4ng ph\u1ea3i chuy\u1ec3n nh\u00f3m theo Th\u00f4ng t\u01b0 01 d\u1ea7n \u0111\u00e1o h\u1ea1n.<\/p>\n

Tuy nhi\u00ean, m\u1ed9t chuy\u1ec3n \u0111\u1ed9ng kh\u00e1 t\u00edch c\u1ef1c l\u00e0 cho t\u1edbi th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, \u0111\u00e3 c\u00f3 19 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f4ng b\u1ed1 t\u1ea5t to\u00e1n xong tr\u01b0\u1edbc h\u1ea1n n\u1ee3 x\u1ea5u b\u00e1n sang C\u00f4ng ty Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam (VAMC) tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

3<\/strong> l\u00e0 t\u1ed5ng s\u1ed1 l\u1ea7n NHNN ti\u1ebfn h\u00e0nh \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh, v\u1edbi t\u1ed5ng m\u1ee9c gi\u1ea3m 1,5-2,0%\/n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i, \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn l\u00e0 m\u1ed9t trong nh\u1eefng m\u1ee9c \u0111\u1ed9 \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh trong khu v\u1ef1c.<\/p>\n

L\u1ea7n gi\u1ea3m l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh \u0111\u1ea7u ti\u00ean n\u0103m nay di\u1ec5n ra v\u00e0o gi\u1eefa th\u00e1ng 3, ngay sau khi d\u1ecbch Covid-19 b\u00f9ng ph\u00e1t. C\u00e1c l\u1ea7n c\u1eaft gi\u1ea3m ti\u1ebfp theo \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh v\u00e0o th\u00e1ng 5 v\u00e0 cu\u1ed1i th\u00e1ng 9, khi h\u1ec7 qu\u1ea3 t\u00e1c \u0111\u1ed9ng t\u1eeb \u0111\u1ea1i d\u1ecbch trong n\u1ec1n kinh t\u1ebf th\u1ec3 hi\u1ec7n, c\u0169ng nh\u01b0 tr\u01b0\u1edbc y\u00eau c\u1ea7u gia t\u0103ng h\u1ed7 tr\u1ee3.<\/p>\n

Nh\u1edd \u0111\u00f3, t\u00ednh \u0111\u1ebfn th\u00e1ng 11\/2020, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay gi\u1ea3m b\u00ecnh qu\u00e2n kho\u1ea3ng 1%\/n\u0103m so v\u1edbi cu\u1ed1i n\u0103m 2019; l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n t\u1ed1i \u0111a b\u1eb1ng VND \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u00e0nh, l\u0129nh v\u1ef1c \u01b0u ti\u00ean \u1edf m\u1ee9c 4,5%\/n\u0103m.<\/p>\n

355 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng<\/strong> l\u00e0 t\u1ed5ng s\u1ed1 d\u01b0 n\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c TCTD c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, b\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 mi\u1ec5n, gi\u1ea3m, h\u1ea1 l\u00e3i su\u1ea5t cho g\u1ea7n 590 ngh\u00ecn kh\u00e1ch h\u00e0ng v\u1edbi d\u01b0 n\u1ee3 tr\u00ean 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, \u0111\u1eb7c bi\u1ec7t c\u00e1c TCTD \u0111\u00e3 cho vay m\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i (th\u1ea5p h\u01a1n ph\u1ed5 bi\u1ebfn t\u1eeb 0,5 \u2013 2,5% so v\u1edbi tr\u01b0\u1edbc d\u1ecbch) v\u1edbi doanh s\u1ed1 l\u0169y k\u1ebf t\u1eeb 23\/1 \u0111\u1ebfn nay \u0111\u1ea1t g\u1ea7n 2,3 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng cho h\u01a1n 390 ngh\u00ecn kh\u00e1ch h\u00e0ng.<\/p>\n

M\u1eb7c d\u00f9 kh\u00f4ng thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Th\u00f4ng t\u01b0 01, nh\u01b0ng NHCSXH \u0111\u00e3 th\u1ef1c hi\u1ec7n gia h\u1ea1n n\u1ee3 cho g\u1ea7n 168 ngh\u00ecn kh\u00e1ch h\u00e0ng v\u1edbi d\u01b0 n\u1ee3 4.183 t\u1ef7 \u0111\u1ed3ng, cho vay m\u1edbi tr\u00ean 2 tri\u1ec7u kh\u00e1ch h\u00e0ng v\u1edbi s\u1ed1 ti\u1ec1n 72.531 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\u01af\u1edbc t\u00ednh t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u00ed d\u1ecbch v\u1ee5 thanh to\u00e1n m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng mi\u1ec5n, gi\u1ea3m cho kh\u00e1ch h\u00e0ng \u0111\u1ebfn h\u1ebft n\u0103m 2020 sau 2 \u0111\u1ee3t gi\u1ea3m ph\u00ed l\u00e0 kho\u1ea3ng 1.004 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

11%<\/strong> l\u00e0 t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u01b0\u1edbc t\u00ednh c\u1ea3 n\u0103m 2020, th\u1ea5p h\u01a1n 3 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi ch\u1ec9 ti\u00eau \u0111\u01b0a ra \u0111\u1ea7u n\u0103m l\u00e0 14%. \u0110\u00e2y c\u0169ng l\u00e0 n\u0103m c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng th\u1ea5p nh\u1ea5t k\u1ec3 t\u1eeb n\u0103m 2012 (7%).<\/p>\n

100 t\u1ef7 USD<\/strong> l\u00e0 m\u1ee9c d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i c\u1ee7a Vi\u1ec7t Nam \u01b0\u1edbc t\u00ednh \u0111\u1ebfn cu\u1ed1i n\u0103m 2020. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ee9c d\u1ef1 tr\u1eef ngo\u1ea1i h\u1ed1i cao nh\u1ea5t t\u1eeb tr\u01b0\u1edbc t\u1edbi nay. Trong \u0111\u00f3, ri\u00eang trong n\u0103m 2020, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 mua v\u00e0o kho\u1ea3ng 31 t\u1ef7 USD.<\/p>\n

4,75%<\/strong> l\u00e0 m\u1ee9c t\u0103ng c\u1ee7a t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng t\u00ednh \u0111\u1ebfn 31\/10\/2020 so v\u1edbi cu\u1ed1i n\u0103m 2019; t\u1ed5ng quy m\u00f4 theo \u0111\u00f3 \u0111\u00e3 v\u01b0\u1ee3t 13 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Trong \u0111\u00f3, t\u1ed5ng t\u00e0i s\u1ea3n c\u00f3 c\u1ee7a kh\u1ed1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc (g\u1ed3m Agribank, VietinBank, Vietcombank, BIDV, Ng\u00e2n h\u00e0ng X\u00e2y d\u1ef1ng, D\u1ea7u kh\u00ed To\u00e0n c\u1ea7u, ng\u00e2n h\u00e0ng \u0110\u1ea1i D\u01b0\u01a1ng) chi\u1ebfm t\u1ef7 tr\u1ecdng 41,3%, \u0111\u1ea1t h\u01a1n 5,4 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Tuy nhi\u00ean, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a nh\u00f3m n\u00e0y ch\u1ec9 \u0111\u1ea1t 0,06%, th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng c\u1ee7a nh\u00f3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n l\u00e0 7,68% (\u0111\u1ea1t h\u01a1n 5,6 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng) v\u00e0 nh\u00f3m ng\u00e2n h\u00e0ng li\u00ean doanh n\u01b0\u1edbc ngo\u00e0i l\u00e0 10,26% (\u0111\u1ea1t g\u1ea7n 1,5 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng).<\/p>\n

11,65%<\/strong> l\u00e0 t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n (CAR) c\u1ee7a nh\u00f3m ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng Th\u00f4ng t\u01b0 41 t\u00ednh \u0111\u1ebfn 31\/10\/2020, trong \u0111\u00f3, CAR c\u1ee7a nh\u00f3m NHTMNN l\u00e0 9,54% v\u00e0 c\u1ee7a NHTMCP l\u00e0 10,83%.<\/p>\n

25,43%<\/strong> l\u00e0 t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung, d\u00e0i h\u1ea1n c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 10\/2020, ti\u1ebfp t\u1ee5c gi\u1ea3m so v\u1edbi m\u1ee9c 27,35% h\u1ed3i cu\u1ed1i n\u0103m 2019, c\u0169ng nh\u01b0 n\u1eb1m r\u1ea5t s\u00e2u d\u01b0\u1edbi ng\u01b0\u1ee1ng cho ph\u00e9p hi\u1ec7n nay l\u00e0 40% v\u00e0 th\u1eadm ch\u00ed \u0111i tr\u01b0\u1edbc c\u1ea3 ng\u01b0\u1ee1ng 30% m\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u1eadp l\u1ed9 tr\u00ecnh si\u1ebft l\u1ea1i trong n\u0103m t\u1edbi.<\/p>\n

Tuy nhi\u00ean, t\u1ef7 l\u1ec7 tr\u00ean \u1edf m\u1ee9c th\u1ea5p do t\u00ednh b\u00ecnh qu\u00e2n v\u1edbi tham s\u1ed1 k\u00e9o xu\u1ed1ng b\u1edfi nh\u00f3m ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i do nh\u00f3m n\u00e0y kh\u00f4ng d\u00f9ng v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n.<\/p>\n

Trong khi \u0111\u00f3, t\u1ef7 l\u1ec7 n\u00e0y t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc l\u00e0 29,75% v\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n l\u00e0 27,69%; t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, cho thu\u00ea t\u00e0i ch\u00ednh l\u00e0 35,22%.<\/p>\n

18<\/strong> l\u00e0 s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u00ednh th\u1ee9c c\u00f4ng nh\u1eadn \u0111\u00e3 \u00e1p d\u1ee5ng Basel II (theo Th\u00f4ng t\u01b0 41), trong \u0111\u00f3 c\u00f3 7 th\u00e0nh vi\u00ean c\u00f4ng b\u1ed1 \u0111\u00e3 \u00e1p d\u1ee5ng c\u1ea3 ba tr\u1ee5 c\u1ed9t c\u1ee7a Basel II.<\/p>\n

6<\/strong> l\u00e0 s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00ean s\u00e0n th\u00e0nh c\u00f4ng trong n\u0103m nay. Trong \u0111\u00f3, VietCapitalBank, SaigonBank, PG Bank, NamABank v\u00e0 ABBank l\u00ean s\u00e0n Upcom, ri\u00eang MSB ni\u00eam y\u1ebft th\u1eb3ng tr\u00ean HOSE.<\/p>\n

TR\u1ea6N TH\u00daY\/BL<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

N\u0103m 2020 k\u1ebft th\u00fac v\u1edbi nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, \u201ctham s\u1ed1\u201d l\u1edbn nh\u1ea5t l\u00e0 \u0111\u1ea1i d\u1ecbch Covid-19. B\u1ee9c tranh ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u0169ng d\u1ea7n \u0111\u1ecbnh h\u00ecnh qua nh\u1eefng con s\u1ed1 l\u1ea7n l\u01b0\u1ee3t c\u00f4ng b\u1ed1 v\u00e0 c\u1eadp nh\u1eadt g\u1ea7n nh\u1ea5t. Theo \u0111\u00f3, m\u1ee5c ti\u00eau \u0111\u01b0a t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u n\u1ed9i b\u1ea3ng xu\u1ed1ng d\u01b0\u1edbi 2% v\u00e0 […]<\/p>\n","protected":false},"author":42,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[4],"tags":[9727],"topics":[],"longform":[],"members":[140617],"story":[],"thematic":[],"_links":{"self":[{"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/posts\/461931"}],"collection":[{"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/users\/42"}],"replies":[{"embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/comments?post=461931"}],"version-history":[{"count":1,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/posts\/461931\/revisions"}],"predecessor-version":[{"id":461932,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/posts\/461931\/revisions\/461932"}],"wp:attachment":[{"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/media?parent=461931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/categories?post=461931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/tags?post=461931"},{"taxonomy":"topics","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/topics?post=461931"},{"taxonomy":"longform","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/longform?post=461931"},{"taxonomy":"members","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/members?post=461931"},{"taxonomy":"story","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/story?post=461931"},{"taxonomy":"thematic","embeddable":true,"href":"https:\/\/m.canhco.net\/wp-json\/wp\/v2\/thematic?post=461931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}