{"id":6244862,"date":"2021-10-28T04:15:16","date_gmt":"2021-10-28T04:15:16","guid":{"rendered":"https:\/\/yp.vn\/?p=6244862"},"modified":"2021-10-28T11:15:36","modified_gmt":"2021-10-28T04:15:36","slug":"nang-cao-nang-luc-tai-chinh-cua-cac-ngan-hang-thuong-mai-viet-nam","status":"publish","type":"post","link":"https:\/\/yp.vn\/nang-cao-nang-luc-tai-chinh-cua-cac-ngan-hang-thuong-mai-viet-nam\/","title":{"rendered":"N\u00e2ng cao n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam"},"content":{"rendered":"
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B\u1ed1i c\u1ea3nh h\u1ed9i nh\u1eadp s\u00e2u v\u00e0o n\u1ec1n kinh t\u1ebf th\u1ebf gi\u1edbi \u0111ang \u0111\u1eb7t ra kh\u00f4ng \u00edt nh\u1eefng kh\u00f3 kh\u0103n th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/a>. B\u1edfi theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n (CAR) c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i t\u1eeb 9% tr\u1edf l\u00ean, n\u1ebfu t\u1ef7 l\u1ec7 n\u00e0y kh\u00f4ng \u0111\u1ea3m b\u1ea3o, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng, th\u1eadm ch\u00ed c\u00f2n \u0111\u1ee9ng tr\u01b0\u1edbc nguy c\u01a1 ph\u00e1 s\u1ea3n. Do v\u1eady, n\u00e2ng cao n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh s\u1ebd gi\u00fap ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u1ef1c hi\u1ec7n t\u1ed1t c\u00e1c bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba r\u1ee7i ro, \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u1ed1n trong ho\u1ea1t \u0111\u1ed9ng, h\u1ea1n ch\u1ebf \u0111\u1ebfn m\u1ee9c th\u1ea5p nh\u1ea5t nh\u1eefng thi\u1ec7t h\u1ea1i c\u00f3 th\u1ec3 x\u1ea3y ra \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/h3>\n<\/blockquote>\n
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Nh\u1eefng b\u1ea5t c\u1eadp sau 10 n\u0103m gia nh\u1eadp \u201cs\u00e2n ch\u01a1i\u201d WTO<\/strong><\/p>\n

Kh\u1ea3o s\u00e1t cho th\u1ea5y, sau m\u1ed9t th\u1eadp k\u1ef7 tham gia v\u00e0o \u201cs\u00e2n ch\u01a1i\u201d T\u1ed5 ch\u1ee9c Th\u01b0\u01a1ng m\u1ea1i th\u1ebf gi\u1edbi (WTO) (2007-2017), n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam gi\u1edd \u0111\u00e2y \u0111\u00e3 c\u00f3 nh\u1eefng chuy\u1ec3n bi\u1ebfn \u0111\u00e1ng k\u1ec3 v\u1ec1 c\u01a1 c\u1ea5u n\u1ec1n kinh t\u1ebf, qu\u1ea3n l\u00fd x\u00e3 h\u1ed9i v\u00e0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng s\u1ea3n xu\u1ea5t \u2013 kinh doanh.<\/p>\n

S\u1ef1 ti\u1ebfn b\u1ed9 n\u00e0y bi\u1ec3u hi\u1ec7n c\u1ee5 th\u1ec3 qua \u0111\u1ecbnh h\u01b0\u1edbng x\u00e2y d\u1ef1ng kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, s\u1ef1 gia t\u0103ng t\u1ed1c \u0111\u1ed9 c\u1ed5 ph\u1ea7n h\u00f3a doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc (DNNN), \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd doanh nghi\u1ec7p \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3\u2026 Tuy nhi\u00ean, b\u00ean c\u1ea1nh nh\u1eefng th\u00e0nh t\u1ef1u \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c, n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam n\u00f3i chung v\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) v\u1eabn c\u00f2n bi\u1ec3u hi\u1ec7n kh\u00e1 nhi\u1ec1u b\u1ea5t c\u1eadp, c\u1ee5 th\u1ec3:<\/p>\n

Th\u1ee9 nh\u1ea5t,\u00a0<\/i>Vi\u1ec7t Nam v\u1eabn l\u00e0 n\u1ec1n kinh t\u1ebf k\u00e9m ph\u00e1t tri\u1ec3n, n\u0103ng su\u1ea5t lao \u0111\u1ed9ng th\u1ea5p. N\u0103ng su\u1ea5t lao \u0111\u1ed9ng c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t Nam hi\u1ec7n nay ch\u1ec9 b\u1eb1ng 1\/5 c\u1ee7a Th\u00e1i Lan, b\u1eb1ng 1\/15 c\u1ee7a Singapore\u2026 v\u00e0 k\u00e9m xa so v\u1edbi c\u00e1c n\u01b0\u1edbc T\u00e2y \u00c2u. N\u0103ng su\u1ea5t lao \u0111\u1ed9ng th\u1ea5p, l\u00e0m h\u1ea1n ch\u1ebf n\u0103ng l\u1ef1c c\u1ea1nh tranh c\u1ee7a c\u00e1c doanh nghi\u1ec7p n\u00f3i ri\u00eang v\u00e0 n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam n\u00f3i chung.<\/p>\n

Th\u1ee9 hai,\u00a0<\/i>t\u1ed1c \u0111\u1ed9 c\u1ed5 ph\u1ea7n h\u00f3a DNNN c\u00f2n ch\u1eadm v\u00e0 kh\u00f4ng tri\u1ec7t \u0111\u1ec3. Nguy\u00ean nh\u00e2n ch\u1ee7 y\u1ebfu l\u00e0 do h\u1ec7 th\u1ed1ng c\u00e1c DN n\u00e0y c\u00f2n qu\u00e1 nhi\u1ec1u b\u1ea5t c\u1eadp, \u0111\u00f3 l\u00e0: n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh k\u00e9m, t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd ch\u01b0a k\u1ecbp \u0111\u00e0 ph\u00e1t tri\u1ec3n c\u1ee7a kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, t\u00ecnh tr\u1ea1ng l\u00e3ng ph\u00ed t\u00e0i nguy\u00ean, nh\u00e2n l\u1ef1c v\u00e0 th\u1ea5t tho\u00e1t t\u00e0i ch\u00ednh c\u00f2n kh\u00e1 ph\u1ed5 bi\u1ebfn.<\/p>\n

Th\u1ee9 ba,\u00a0<\/i>s\u1ed1 l\u01b0\u1ee3ng NHTM Vi\u1ec7t Nam c\u00f2n l\u1edbn. B\u00ean c\u1ea1nh vi\u1ec7c h\u1ed7 tr\u1ee3 \u0111\u1eafc l\u1ef1c cho s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf x\u00e3 h\u1ed9i, h\u1ec7 th\u1ed1ng NHTM c\u0169ng bi\u1ec3u hi\u1ec7n nhi\u1ec1u c\u1ea5p c\u1eadp nh\u01b0: (1) N\u0103ng l\u1ef1c t\u00e0i ch\u00ednh k\u00e9m; (2) Ch\u1ea5t l\u01b0\u1ee3ng nh\u00e2n l\u1ef1c kh\u00f4ng cao; (3) Ph\u00e2n b\u1ed1 kh\u00f4ng h\u1ee3p l\u00fd; (4) N\u0103ng l\u1ef1c c\u1ea1nh tranh y\u1ebfu v\u00e0 kh\u00f4ng l\u00e0nh m\u1ea1nh\u2026 \u0110\u00e2y l\u00e0 nh\u1eefng \u0111i\u1ec3m y\u1ebfu khi Vi\u1ec7t Nam h\u1ed9i nh\u1eadp v\u00e0o n\u1ec1n kinh t\u1ebf th\u1ebf gi\u1edbi.<\/p>\n

Th\u1ee9 t\u01b0,\u00a0<\/i>v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a c\u00e1c NHTM Vi\u1ec7t Nam hi\u1ec7n nay giao \u0111\u1ed9ng quanh ng\u01b0\u1ee1ng t\u1eeb 3.000 \u2013 49.209 t\u1ef7 \u0111\u1ed3ng. Con s\u1ed1 n\u00e0y cho th\u1ea5y, NHTM Vi\u1ec7t Nam ch\u1ec9 nh\u01b0 m\u1ed9t doanh nghi\u1ec7p nh\u1ecf trong \u201cl\u00e0ng NHTM\u201d c\u1ee7a th\u1ebf gi\u1edbi.<\/p>\n

Th\u1ee9 n\u0103m,<\/i>\u00a0n\u1ee3 x\u1ea5u h\u1ec7 th\u1ed1ng NHTM Vi\u1ec7t Nam l\u1edbn, v\u01b0\u1ee3t t\u1ea7m ki\u1ec3m so\u00e1t g\u00e2y b\u1ea5t \u1ed5n \u0111\u1ebfn s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam.<\/p>\n

Nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ea7n t\u1eadp trung th\u1ef1c hi\u1ec7n<\/strong><\/p>\n

Nh\u1eb1m kh\u1eafc ph\u1ee5c nh\u1eefng h\u1ea1n ch\u1ebf, t\u1ed3n t\u1ea1i tr\u00ean, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 c\u00e1c NHTM, ngo\u00e0i vi\u1ec7c n\u00e2ng cao n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, th\u1eddi gian t\u1edbi c\u1ea7n t\u1eadp trung v\u00e0o m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 tr\u1ecdng t\u00e2m sau:<\/p>\n

M\u1ed9t l\u00e0,\u00a0<\/i>t\u0103ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu – y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh \u0111\u1ec3 m\u1edf r\u1ed9ng kinh doanh: Vi\u1ec7c ti\u1ebfp t\u1ee5c t\u0103ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u00e1c NHTM trong n\u01b0\u1edbc l\u00e0 v\u00f4 c\u00f9ng c\u1ea7n thi\u1ebft nh\u1eb1m n\u00e2ng cao kh\u1ea3 n\u0103ng c\u1ea1nh tranh, gi\u1ea3m thi\u1ec3u r\u1ee7i ro, \u0111\u1eb7c bi\u1ec7t l\u00e0 gi\u00fap NHTM c\u00f3 \u0111i\u1ec1u ki\u1ec7n thu h\u00fat th\u00eam v\u1ed1n, ph\u00e1t tri\u1ec3n nh\u00e2n l\u1ef1c, \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i, m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi, t\u0103ng c\u01b0\u1eddng c\u01a1 s\u1edf v\u1eadt ch\u1ea5t, ti\u1ebfp thu kinh nghi\u1ec7m qu\u1ea3n tr\u1ecb \u0111i\u1ec1u h\u00e0nh theo th\u00f4ng l\u1ec7 v\u00e0 chu\u1ea9n m\u1ef1c qu\u1ed1c t\u1ebf.<\/p>\n

Theo \u0111\u00f3, c\u00e1c NHTM s\u1ebd ph\u1ea3i ch\u1ee7 \u0111\u1ed9ng th\u1ef1c hi\u1ec7n quy m\u00f4 t\u0103ng v\u1ed1n trong th\u1eddi gian t\u1edbi nh\u01b0: T\u0103ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu nh\u1eb1m \u1ee9ng ph\u00f3 v\u1edbi r\u1ee7i ro, \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u v\u1ec1 v\u1ed1n theo khung an to\u00e0n Camel, n\u00e2ng cao kh\u1ea3 n\u0103ng c\u1ea1nh tranh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng li\u00ean doanh v\u00e0 ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam; \u0110\u1ea3m b\u1ea3o \u0111\u00fang nguy\u00ean t\u1eafc t\u00edn d\u1ee5ng, thu h\u1ed3i v\u1ed1n cho vay \u0111\u00fang h\u1ea1n; Ki\u1ec3m tra nghi\u00eam ng\u1eb7t c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, \u0111\u1ea3m b\u1ea3o nguy\u00ean t\u1eafc c\u00f3 l\u1ee3i nhu\u1eadn m\u1edbi \u0111\u1ea7u t\u01b0…<\/p>\n

\u0110\u1ed3ng th\u1eddi, \u0111\u1ea9y m\u1ea1nh vi\u1ec7c tri\u1ec3n khai c\u00e1c ph\u01b0\u01a1ng \u00e1n kinh doanh v\u00e0 n\u00e2ng cao n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh. B\u1edfi v\u00ec, m\u1ee5c ti\u00eau kinh doanh c\u1ee7a NHTM l\u00e0 h\u01b0\u1edbng \u0111\u1ebfn \u1ed5n \u0111\u1ecbnh, t\u00edch c\u1ef1c, n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng kinh doanh; n\u00e2ng cao kh\u1ea3 n\u0103ng c\u1ea1nh tranh, gi\u1eef v\u1eefng vai tr\u00f2 ch\u1ee7 l\u1ef1c tr\u00ean th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7; cung \u1ee9ng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ch\u1ea5t l\u01b0\u1ee3ng cao, ho\u1ea1t \u0111\u1ed9ng kinh doanh t\u0103ng tr\u01b0\u1edfng, an to\u00e0n, hi\u1ec7u qu\u1ea3, b\u1ec1n v\u1eefng.<\/p>\n

C\u00e1c NHTM c\u1ea7n s\u1edbm tri\u1ec3n khai ho\u1ea1t \u0111\u1ed9ng kinh doanh theo h\u01b0\u1edbng l\u1ea5y hi\u1ec7u qu\u1ea3 l\u00e0m m\u1ee5c ti\u00eau tr\u1ecdng t\u00e2m, ph\u1ea5n \u0111\u1ea5u t\u0103ng t\u1ef7 l\u1ec7 thu l\u00e3i n\u1ed9i b\u1ea3ng, thu n\u1ee3 \u0111\u00e3 x\u1eed l\u00fd r\u1ee7i ro, gi\u1ea3m chi ph\u00ed tr\u00edch d\u1ef1 ph\u00f2ng r\u1ee7i ro v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c; N\u00e2ng cao kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh v\u00e0 t\u0103ng l\u1ee3i nhu\u1eadn cho NHTM, \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh v\u00e0 c\u1ea3i thi\u1ec7n thu nh\u1eadp, \u0111\u1eddi s\u1ed1ng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng.<\/p>\n

Hai l\u00e0,\u00a0<\/i>n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng: \u0110\u1ec3 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng, c\u00e1c NHTM c\u1ea7n x\u00e2y d\u1ef1ng ri\u00eang cho m\u00ecnh m\u1ed9t h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng ch\u1eb7t ch\u1ebd h\u01a1n, c\u1ee5 th\u1ec3: X\u00e1c l\u1eadp m\u1ee5c ti\u00eau t\u00edn d\u1ee5ng, trong \u0111\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro t\u1eeb ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ph\u1ea3i \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c; \u0111\u1ed3ng th\u1eddi, ch\u1ea5t l\u01b0\u1ee3ng c\u1ee7a d\u1ef1 n\u1ee3 t\u00edn d\u1ee5ng kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c quan t\u00e2m \u1edf t\u00e0i s\u1ea3n c\u00f3 n\u1ed9i b\u1ea3ng, m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u1edf c\u00e1c kho\u1ea3n m\u1ee5c t\u00e0i s\u1ea3n ngo\u1ea1i b\u1ea3ng; X\u00e2y d\u1ef1ng, c\u1eadp nh\u1eadt chi\u1ebfn l\u01b0\u1ee3c v\u00e0 ch\u00ednh s\u00e1ch qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng, ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c quy \u0111\u1ecbnh m\u1edbi ph\u00e1p lu\u1eadt Vi\u1ec7t Nam v\u00e0 v\u1edbi c\u00e1c chu\u1ea9n m\u1ef1c qu\u1ea3n tr\u1ecb r\u1ee7i ro qu\u1ed1c t\u1ebf.<\/p>\n

Ba l\u00e0,\u00a0<\/i>\u0111a d\u1ea1ng h\u00f3a c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng: Tri\u1ec3n khai gi\u1ea3i ph\u00e1p n\u00e0y, th\u1eddi gian t\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n lu\u00f4n \u201cl\u00e0m m\u1edbi\u201d m\u00ecnh \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u h\u1ed9i nh\u1eadp th\u00f4ng qua vi\u1ec7c \u0111a d\u1ea1ng h\u00f3a s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5. B\u00ean c\u1ea1nh vi\u1ec7c duy tr\u00ec c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 truy\u1ec1n th\u1ed1ng, c\u1ea7n \u0111\u1ea9y m\u1ea1nh khai th\u00e1c ph\u00e1t tri\u1ec3n nh\u1eefng s\u1ea3n ph\u1ea9m m\u1edbi nh\u01b0: S\u1ea3n ph\u1ea9m ph\u00e1i sinh, thu h\u00fat ngu\u1ed3n ki\u1ec1u h\u1ed1i tr\u00ean c\u01a1 s\u1edf ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c c\u00f4ng ty xu\u1ea5t kh\u1ea9u lao \u0111\u1ed9ng, c\u00e1c c\u00f4ng ty d\u1ecbch v\u1ee5 ki\u1ec1u h\u1ed1i, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea1i l\u00fd n\u01b0\u1edbc ngo\u00e0i…<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 ch\u00ednh s\u00e1ch khai th\u00e1c v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n ki\u1ec1u h\u1ed1i qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng; tri\u1ec3n khai d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, \u1ee7y th\u00e1c \u0111\u1ea7u t\u01b0, cung c\u1ea5p th\u00f4ng tin v\u00e0 t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng\u2026 \u0110\u1eb7c bi\u1ec7t l\u00e0 ph\u00e1t tri\u1ec3n v\u00e0 m\u1edf r\u1ed9ng c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf giao d\u1ecbch ti\u1ec1n m\u1eb7t b\u1ea5t h\u1ee3p ph\u00e1p, n\u00e2ng cao t\u00ednh thanh kho\u1ea3n c\u1ee7a ti\u1ec1n \u0111\u1ed3ng v\u00e0 hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng v\u1ed1n trong n\u1ec1n kinh t\u1ebf.<\/p>\n

\u0110\u1ed3ng th\u1eddi, \u0111\u1ea9y m\u1ea1nh c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi v\u1edbi th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, an to\u00e0n nh\u1eb1m thu h\u00fat ngu\u1ed3n v\u1ed1n c\u1ee7a c\u00e1 nh\u00e2n trong thanh to\u00e1n v\u00e0 ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 thanh to\u00e1n th\u1ebb, s\u00e9c thanh to\u00e1n, ti\u1ebft ki\u1ec7m…<\/p>\n

B\u1ed1n l\u00e0,\u00a0<\/i>n\u00e2ng cao n\u0103ng l\u1ef1c ph\u00e1t tri\u1ec3n ngu\u1ed3n nh\u00e2n l\u1ef1c ng\u00e2n h\u00e0ng: Mu\u1ed1n t\u0103ng c\u01b0\u1eddng n\u0103ng l\u1ef1c c\u1ea1nh tranh trong h\u1ed9i nh\u1eadp, nh\u00e2n s\u1ef1 c\u1ee7a c\u00e1c NHTM kh\u00f4ng nh\u1eefng ph\u1ea3i \u0111\u1ea1t y\u00eau c\u1ea7u v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng m\u00e0 c\u00f2n ph\u1ea3i \u0111\u1ea3m b\u1ea3o v\u1ec1 c\u1ea3 ch\u1ea5t l\u01b0\u1ee3ng, kh\u00f4ng ch\u1ec9 \u1edf nh\u00e2n vi\u00ean t\u00e1c nghi\u1ec7p m\u00e0 ngay c\u1ea3 \u0111\u1ed1i v\u1edbi nh\u00e2n s\u1ef1 qu\u1ea3n l\u00fd.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t l\u1ef1c l\u01b0\u1ee3ng nh\u00e2n s\u1ef1 \u0111\u1ea3m b\u1ea3o c\u1ea3 v\u1ec1 ch\u1ea5t v\u00e0 l\u01b0\u1ee3ng, c\u00e1c NHTM c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n ngu\u1ed3n nh\u00e2n l\u1ef1c ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u ph\u00e1t tri\u1ec3n c\u1ee7a \u0111\u01a1n v\u1ecb. Theo \u0111\u00f3, c\u01a1 c\u1ea5u, s\u1eafp x\u1ebfp, b\u1ed1 tr\u00ed c\u00e1n b\u1ed9 c\u00f3 n\u0103ng l\u1ef1c, tr\u00ecnh \u0111\u1ed9, kinh nghi\u1ec7m th\u1ef1c t\u1ebf ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u ho\u1ea1t \u0111\u1ed9ng kinh doanh tr\u01b0\u1edbc m\u1eaft c\u0169ng nh\u01b0 l\u00e2u d\u00e0i.<\/p>\n

\u0110\u1ed3ng th\u1eddi, t\u0103ng c\u01b0\u1eddng tuy\u1ec3n d\u1ee5ng m\u1edbi nh\u1eefng lao \u0111\u1ed9ng tr\u1ebb, n\u0103ng \u0111\u1ed9ng \u0111\u1ec3 g\u00f3p ph\u1ea7n tr\u1ebb ho\u00e1 \u0111\u1ed9i ng\u0169 lao \u0111\u1ed9ng; Nghi\u00ean c\u1ee9u \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin hi\u1ec7n \u0111\u1ea1i trong qu\u1ea3n l\u00fd s\u1eed d\u1ee5ng nh\u00e2n l\u1ef1c c\u00f3 hi\u1ec7u qu\u1ea3, \u0111\u00e1nh gi\u00e1 nh\u00e2n vi\u00ean g\u1eafn li\u1ec1n v\u1edbi ti\u00eau chu\u1ea9n \u0111\u1ea1o \u0111\u1ee9c ngh\u1ec1 nghi\u1ec7p, l\u1ea5y hi\u1ec7u qu\u1ea3 c\u00f4ng vi\u1ec7c l\u00e0m th\u01b0\u1edbc \u0111o ch\u1ee7 y\u1ebfu, coi tr\u1ecdng s\u1eed d\u1ee5ng nh\u00e2n t\u00e0i v\u00e0 khuy\u1ebfn kh\u00edch t\u00e0i n\u0103ng nh\u1eb1m s\u1eed d\u1ee5ng c\u00f3 hi\u1ec7u qu\u1ea3 ngu\u1ed3n nh\u00e2n l\u1ef1c trong t\u1eebng giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n.<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3, t\u1eadp trung \u0111\u00e0o t\u1ea1o, b\u1ed3i d\u01b0\u1ee1ng n\u00e2ng cao tr\u00ecnh \u0111\u1ed9 chuy\u00ean m\u00f4n nghi\u1ec7p v\u1ee5, k\u1ef9 n\u0103ng ngh\u1ec1 nghi\u1ec7p, n\u0103ng l\u1ef1c qu\u1ea3n l\u00fd \u0111i\u1ec1u h\u00e0nh, ki\u1ebfn th\u1ee9c ngo\u1ea1i ng\u1eef, kh\u1ea3 n\u0103ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i\u2026 t\u1eebng b\u01b0\u1edbc n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng ngu\u1ed3n nh\u00e2n l\u1ef1c m\u1ed9t c\u00e1ch \u0111\u1ed3ng \u0111\u1ec1u v\u00e0 v\u1eefng ch\u1eafc theo h\u01b0\u1edbng v\u1eeba chuy\u00ean s\u00e2u v\u1eeba t\u1ed5ng h\u1ee3p, c\u00f3 kh\u1ea3 n\u0103ng c\u1ea1nh tranh cao, lu\u00f4n h\u01b0\u1edbng t\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

Ngo\u00e0i ra, nghi\u00ean c\u1ee9u, c\u1ea3i thi\u1ec7n \u0111\u1ed5i m\u1edbi ch\u00ednh s\u00e1ch duy tr\u00ec ngu\u1ed3n nh\u00e2n l\u1ef1c nh\u01b0 v\u1ec1 ch\u1ebf \u0111\u1ed9 ti\u1ec1n l\u01b0\u01a1ng, ch\u1ebf \u0111\u1ed9 ph\u00fac l\u1ee3i, c\u01a1 h\u1ed9i th\u0103ng ti\u1ebfn\u2026 nh\u1eb1m \u0111\u1ed9ng vi\u00ean nh\u00e2n vi\u00ean t\u1eadn t\u00e2m, nhi\u1ec7t th\u00e0nh v\u1edbi c\u00f4ng vi\u1ec7c, n\u00e2ng cao n\u0103ng su\u1ea5t l\u00e0m vi\u1ec7c.<\/p>\n

N\u0103m l\u00e0,<\/i>\u00a0b\u1ea3o to\u00e0n v\u00e0 n\u00e2ng cao th\u01b0\u01a1ng hi\u1ec7u: NHTM c\u1ea7n c\u00f3 k\u1ebf ho\u1ea1ch v\u00e0 l\u1ed9 tr\u00ecnh \u0111\u1ec3 b\u1ed3i d\u01b0\u1ee1ng, c\u1eadp nh\u1eadt c\u00e1c ch\u00ednh s\u00e1ch m\u1edbi, \u0111\u1ed3ng th\u1eddi, quan t\u00e2m \u0111\u00e0o t\u1ea1o c\u00e1c k\u1ef9 n\u0103ng m\u1ec1m cho c\u00e1n b\u1ed9 t\u00e1c nghi\u1ec7p, \u0111\u1ec3 \u0111\u00f3n tr\u01b0\u1edbc th\u1eddi c\u01a1 m\u1edf r\u1ed9ng giao d\u1ecbch v\u1edbi kh\u00e1ch.<\/p>\n

K\u1ef9 n\u0103ng chuy\u00ean nghi\u1ec7p cho \u0111\u1ed9i ng\u0169 giao d\u1ecbch vi\u00ean v\u00e0 chuy\u00ean vi\u00ean quan h\u1ec7 kh\u00e1ch h\u00e0ng t\u1ea1i NHTM c\u0169ng r\u1ea5t quan tr\u1ecdng, do v\u1eady, c\u00e1c NHTM c\u1ea7n coi tr\u1ecdng vi\u1ec7c \u0111a d\u1ea1ng h\u00f3a ph\u01b0\u01a1ng th\u1ee9c \u0111\u00e0o t\u1ea1o, quan t\u00e2m th\u00edch \u0111\u00e1ng \u0111\u1ebfn h\u00ecnh th\u1ee9c \u0111\u00e0o t\u1ea1o tr\u1ef1c tuy\u1ebfn, \u0111\u00e0o t\u1ea1o t\u1eeb xa nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u \u0111a d\u1ea1ng c\u1ee7a ng\u01b0\u1eddi h\u1ecdc v\u1ec1 ki\u1ebfn th\u1ee9c, v\u1ec1 kh\u00f4ng gian, th\u1eddi gian.<\/p>\n

H\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin hi\u1ec7n \u0111\u1ea1i kh\u00f4ng nh\u1eefng h\u1ed7 tr\u1ee3 cho c\u00f4ng t\u00e1c qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh v\u00e0 kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng m\u00e0 c\u00f2n \u0111em l\u1ea1i l\u1ee3i \u00edch cho kh\u00e1ch h\u00e0ng.<\/p>\n

C\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i \u0111\u00e3 t\u1ea1o ra m\u1ed9t b\u01b0\u1edbc \u0111\u1ed9t ph\u00e1 m\u1edbi trong khai th\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 c\u1ea3 v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng, mang l\u1ea1i s\u1ef1 ti\u1ec7n d\u1ee5ng cho kh\u00e1ch h\u00e0ng, \u0111\u1ed3ng th\u1eddi t\u0103ng l\u1ee3i nhu\u1eadn v\u00e0 kh\u1ea3 n\u0103ng c\u1ea1nh tranh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c, qua \u0111\u00f3 kh\u1eb3ng \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u1eb3ng c\u1ea5p, t\u00ean tu\u1ed5i, h\u00ecnh \u1ea3nh c\u1ee7a ng\u00e2n h\u00e0ng. D\u01b0\u1edbi g\u00f3c \u0111\u1ed9 qu\u1ea3n l\u00fd, nh\u1edd c\u00f3 c\u00f4ng ngh\u1ec7 th\u00f4ng tin m\u00e0 vi\u1ec7c qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9 trong ng\u00e2n h\u00e0ng ch\u1eb7t ch\u1ebd h\u01a1n v\u00e0 c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd \u0111i\u1ec1u h\u00e0nh c\u1ee7a Ban gi\u00e1m \u0111\u1ed1c s\u1ebd t\u1ed1t h\u01a1n.<\/p>\n

S\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 phong ph\u00fa \u0111a d\u1ea1ng d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin hi\u1ec7n \u0111\u1ea1i, mang l\u1ea1i nhi\u1ec1u ti\u1ec7n \u00edch cho kh\u00e1ch h\u00e0ng. C\u00e1c s\u1ea3n ph\u1ea9m \u0111\u00e3 tri\u1ec3n khai \u0111\u1ec1u \u0111\u01b0\u1ee3c ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e1nh gi\u00e1 c\u00f3 gi\u00e1 tr\u1ecb c\u1ea1nh tranh: s\u1ea3n ph\u1ea9m th\u1ebb, chuy\u1ec3n ti\u1ec1n trong n\u01b0\u1edbc d\u1ef1a v\u00e0o l\u1ee3i th\u1ebf c\u1ea1nh tranh ri\u00eang c\u00f3 v\u1ec1 m\u1ea1ng l\u01b0\u1edbi v\u00e0 m\u00e1y r\u00fat ti\u1ec1n ATM r\u1ed9ng kh\u1eafp to\u00e0n qu\u1ed1c.<\/p>\n

Quy tr\u00ecnh th\u1ef1c hi\u1ec7n giao d\u1ecbch th\u1ed1ng nh\u1ea5t c\u0169ng \u0111\u00e3 ph\u1ea7n n\u00e0o \u0111\u01a1n gi\u1ea3n ho\u00e1 c\u00e1c gi\u1ea5y t\u1edd, th\u1ee7 t\u1ee5c g\u00e2y phi\u1ec1n h\u00e0 cho kh\u00e1ch h\u00e0ng. Vi\u1ec7c th\u1ef1c hi\u1ec7n theo \u0111\u00fang quy tr\u00ecnh khi\u1ebfn cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng di\u1ec5n ra nhanh ch\u00f3ng, ch\u00ednh x\u00e1c v\u00e0 chu\u1ea9n h\u00f3a t\u1ed1i \u0111a; C\u00e1c sai s\u00f3t d\u1ec5 \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n v\u00e0 k\u1ecbp th\u1eddi kh\u1eafc ph\u1ee5c.<\/p>\n

Ch\u1ea5t l\u01b0\u1ee3ng ph\u1ee5c v\u1ee5 c\u1ee7a NHTM c\u1ea7n \u0111\u01b0\u1ee3c n\u00e2ng cao t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u c\u01a1 h\u1ed9i l\u1ef1a ch\u1ecdn c\u00e1c d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p. Tuy nhi\u00ean, kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng hi\u1ec7n \u0111\u1ea1i th\u01b0\u1eddng c\u00f3 xu th\u1ebf \u00edt trung th\u00e0nh h\u01a1n so v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, do v\u1eady, NHTM ph\u1ea3i nghi\u00eam t\u00fac \u0111\u1ed5i m\u1edbi s\u1ea3n ph\u1ea9m \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng v\u00e0 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1ed9i ng\u0169 giao d\u1ecbch vi\u00ean nh\u01b0 l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 t\u1ea5t y\u1ebfu \u0111\u1ec3 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng, b\u1ea3o \u0111\u1ea3m s\u1ef1 ph\u00e1t tri\u1ec3n \u1ed5n \u0111\u1ecbnh v\u00e0 b\u1ec1n v\u1eefng.<\/p>\n

S\u00e1u l\u00e0,<\/i>\u00a0ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i: Trong b\u1ed1i c\u1ea3nh h\u1ed9i nh\u1eadp, vi\u1ec7c \u00e1p d\u1ee5ng ng\u00e2n h\u00e0ng s\u1ed1, l\u00e0 b\u01b0\u1edbc \u0111i b\u1eaft bu\u1ed9c trong t\u01b0\u01a1ng lai g\u1ea7n \u0111\u1ed1i v\u1edbi c\u00e1c NHTM. Tuy nhi\u00ean, \u0111\u1ec3 ti\u1ebfn t\u1edbi tr\u1edf th\u00e0nh Digitan Banking, c\u00e1c NHTM c\u1ea7n m\u1edf r\u1ed9ng c\u00e1c d\u1ecbch v\u1ee5 Internet Banking, Mobile Banking (E.Banking)\u2026 \u0111\u1ec3 n\u00e2ng cao tr\u00ecnh \u0111\u1ed9 nghi\u1ec7p v\u1ee5 cho c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng v\u00e0 quan tr\u1ecdng h\u01a1n l\u00e0 m\u1edf r\u1ed9ng \u0111\u01b0\u1ee3c th\u1ecb tr\u01b0\u1eddng \u2013 kh\u00e1ch h\u00e0ng, gi\u1ea3m thi\u1ec3u chi ph\u00ed v\u00e0 gia t\u0103ng l\u1ee3i nhu\u1eadn.<\/p>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 4 v\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 \u0111i\u1ec1u khi\u1ec3n c\u00e1c ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t \u2013 kinh doanh, trong \u0111\u00f3 c\u00f3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c NHTM \u0111\u00e3 tr\u1edf th\u00e0nh hi\u1ec7n th\u1ef1c \u1edf nhi\u1ec1u qu\u1ed1c gia; M\u1edf ra tri\u1ec3n v\u1ecdng t\u0103ng doanh thu, gi\u1ea3m chi ph\u00ed, n\u00e2ng cao kh\u1ea3 n\u0103ng c\u1ea1nh tranh c\u1ee7a nhi\u1ec1u NHTM \u1edf c\u00e1c qu\u1ed1c gia c\u00f3 n\u1ec1n c\u00f4ng nghi\u1ec7p ph\u00e1t tri\u1ec3n.<\/p>\n

Do \u0111\u00f3, n\u1ebfu c\u00e1c NHTM Vi\u1ec7t Nam \u1ee9ng d\u1ee5ng \u0111\u01b0\u1ee3c k\u1ef9 thu\u1eadt ng\u00e2n h\u00e0ng s\u1ed1 (Digital Banking), th\u00ec s\u1ebd tr\u1edf th\u00e0nh l\u00e0 ng\u00e2n h\u00e0ng ho\u00e0n h\u1ea3o trong giai \u0111o\u1ea1n C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0 v\u1edbi nhi\u1ec1u t\u00ednh n\u0103ng d\u1ecbch v\u1ee5 nh\u01b0: Chuy\u1ec3n ti\u1ec1n trong v\u00e0 ngo\u00e0i h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng; Thanh to\u00e1n c\u00e1c lo\u1ea1i h\u00f3a \u0111\u01a1n c\u1ee7a kh\u00e1ch h\u00e0ng; X\u1eed l\u00fd c\u00e1c d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng; Gi\u1ea3i quy\u1ebft nhu c\u1ea7u g\u1eedi ti\u1ec1n c\u1ee7a d\u00e2n c\u01b0 v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf – x\u00e3 h\u1ed9i; Th\u1ef1c hi\u1ec7n c\u00e1c d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd do c\u00e1c t\u1ed5 ch\u1ee9c v\u00e0 th\u1ec3 nh\u00e2n \u1ee7y quy\u1ec1n\u2026<\/p>\n

\n

T\u00e0i li\u1ec7u tham kh\u1ea3o<\/em><\/strong><\/p>\n<\/div>\n

1. TS. Nguy\u1ec5n Tr\u1ecdng T\u00e0i, C\u1ea1nh tranh c\u1ee7a c\u00e1c NHTM \u2013 Nh\u00ecn t\u1eeb g\u00f3c \u0111\u1ed9 l\u00fd lu\u1eadn v\u00e0 th\u1ef1c ti\u1ec5n;<\/em><\/p>\n

2. T\u1ea1p ch\u00ed K\u1ebf to\u00e1n, Chi\u1ebfn l\u01b0\u1ee3c cho c\u00e1c NHTM Vi\u1ec7t Nam trong ti\u1ebfn tr\u00ecnh h\u1ed9i nh\u1eadp qu\u1ed1c t\u1ebf;<\/em><\/p>\n

3. Vi\u1ec7n nghi\u00ean c\u1ee9u Khoa h\u1ecdc ng\u00e2n h\u00e0ng, N\u00e2ng cao n\u0103ng l\u1ef1c c\u1ea1nh tranh c\u1ee7a h\u1ec7 th\u1ed1ng NHTM Vi\u1ec7t Nam trong ti\u1ebfn tr\u00ecnh h\u1ed9i nh\u1eadp;<\/em><\/p>\n

4. TS. V\u00f5 Tr\u00ed Th\u00e0nh, TS. L\u00ea Xu\u00e2n Sang, T\u00e1i c\u1ea5u tr\u00fac h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh Vi\u1ec7t Nam: v\u1ea5n \u0111\u1ec1 v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng nh\u1eefng gi\u1ea3i ph\u00e1p c\u01a1 b\u1ea3n;<\/em><\/p>\n

5. C\u00e1c website: sbv.gov.vn, mof.gov.vn, sav.gov.vn, tapchitaichinh.vn\u2026<\/em><\/p>\n

Ngu\u1ed3n: T\u1ea1p ch\u00ed t\u00e0i ch\u00ednh<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

B\u1ed1i c\u1ea3nh h\u1ed9i nh\u1eadp s\u00e2u v\u00e0o n\u1ec1n kinh t\u1ebf th\u1ebf gi\u1edbi \u0111ang \u0111\u1eb7t ra kh\u00f4ng \u00edt nh\u1eefng kh\u00f3 kh\u0103n th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. B\u1edfi theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n (CAR) c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i t\u1eeb 9% tr\u1edf… Xem b\u00e0i vi\u1ebft<\/a><\/p>\n","protected":false},"author":175,"featured_media":6244661,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"footnotes":""},"categories":[2499],"tags":[],"class_list":["post-6244862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh-ngan-hang"],"acf":[],"_links":{"self":[{"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/posts\/6244862","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/users\/175"}],"replies":[{"embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/comments?post=6244862"}],"version-history":[{"count":0,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/posts\/6244862\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/media\/6244661"}],"wp:attachment":[{"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/media?parent=6244862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/categories?post=6244862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/tags?post=6244862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}