{"id":6244888,"date":"2021-10-28T07:09:32","date_gmt":"2021-10-28T07:09:32","guid":{"rendered":"https:\/\/yp.vn\/?p=6244888"},"modified":"2021-10-28T14:10:13","modified_gmt":"2021-10-28T07:10:13","slug":"cac-yeu-to-danh-gia-nang-lu%cc%a3c-tai-chinh-cu%cc%89a-ngan-hang-thuong-ma%cc%a3i","status":"publish","type":"post","link":"https:\/\/yp.vn\/cac-yeu-to-danh-gia-nang-lu%cc%a3c-tai-chinh-cu%cc%89a-ngan-hang-thuong-ma%cc%a3i\/","title":{"rendered":"Ca\u0301c y\u00ea\u0301u t\u00f4\u0301 \u0111a\u0301nh gia\u0301 n\u0103ng l\u01b0\u0323c ta\u0300i chi\u0301nh cu\u0309a ng\u00e2n ha\u0300ng th\u01b0\u01a1ng ma\u0323i"},"content":{"rendered":"

M\u1eb7c d\u00f9 v\u1ed1n l\u00e0 y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng, nh\u01b0ng ngo\u00e0i y\u1ebfu t\u1ed1 v\u1ed1n ta c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn h\u00e0ng lo\u1ea1t c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c nh\u01b0: thanh kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng, c\u1ea5u tr\u00fac r\u1ee7i ro t\u00edch s\u1ea3n, t\u00ednh ch\u1ea5t bi\u1ebfn \u0111\u1ed9ng c\u1ee7a c\u00e1c lo\u1ea1i ti\u1ec1n g\u1edfi v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng.<\/strong><\/p>\n

Theo quan \u0111i\u1ec3m c\u1ee7a M\u1ef9 v\u00e0 m\u1ed9t s\u1ed1 n\u01b0\u1edbc ph\u01b0\u01a1ng T\u00e2y, mu\u1ed1n \u0111\u00e1nh gi\u00e1 m\u1ed9t ng\u00e2n h\u00e0ng ng\u01b0\u1eddi ta s\u1eed d\u1ee5ng 5 ch\u1ec9 ti\u00eau<\/strong>:<\/p>\n\n\n\n\n\n\n\n\n
\u00a0 Ch\u1ec9 ti\u00eau<\/strong><\/b><\/td>\n\u00a0 Ghi ch\u00fa<\/strong><\/b><\/td>\n<\/tr>\n
\u00a0 T\u1ec9 l\u1ec7 v\u1ed1n<\/td>\n\u00a0 C\u00e1c t\u1ec9 s\u1ed1 v\u1ec1 v\u1ed1n (V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu\/T\u1ed5ng T\u00e0i s\u1ea3n, V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu\/T\u00e0i s\u1ea3n c\u00f3 \u2026)<\/td>\n<\/tr>\n
\u00a0 Ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n c\u00f3<\/td>\n\u00a0 Ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng v\u00e0 c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0<\/td>\n<\/tr>\n
\u00a0 Ti\u1ec1n l\u00e3i<\/td>\n\u00a0 C\u00e1c t\u1ec9 s\u1ed1 v\u1ec1 thu nh\u1eadp<\/td>\n<\/tr>\n
\u00a0 Thanh kho\u1ea3n<\/td>\n\u00a0 T\u00ednh thanh kho\u1ea3n tr\u00ean t\u00e0i s\u1ea3n, tr\u00ean c\u1ed5 phi\u1ebfu \u2026.<\/td>\n<\/tr>\n
\u00a0 Ch\u1ea5t l\u01b0\u1ee3ng qu\u1ea3n l\u00fd<\/td>\n\u00a0 \u0110\u1ed9i ng\u0169 qu\u1ea3n l\u00fd, nh\u00e2n vi\u00ean, m\u1ea1ng l\u01b0\u1edbi, c\u00f4ng ngh\u1ec7\u2026<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00e1c c\u01a1 quan ng\u00e2n h\u00e0ng c\u0103n c\u1ee9 v\u00e0o c\u00e1c ti\u00eau chu\u1ea9n tr\u00ean \u0111\u1ec3 ch\u1ea5m \u0111i\u1ec3m v\u00e0 ph\u00e2n lo\u1ea1i ng\u00e2n h\u00e0ng t\u1ed1t, kh\u00e1, y\u1ebfu\u2026<\/p>\n

\u0110\u1ed0I V\u1edaI T\u00c0I S\u1ea2N C\u00d3<\/strong><\/b><\/p>\n

Trong qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, c\u00f3 m\u1ed9t m\u1eb7c \u0111\u1ecbnh r\u1eb1ng Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/a> ph\u1ea3i t\u00f4n tr\u1ecdng c\u00e1c t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c, m\u1eb7c kh\u00e1c ph\u1ea3i tr\u00e1nh c\u00e1c r\u1ee7i ro \u0111\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 kinh doanh c\u00f3 l\u00e3i.<\/p>\n

Trong c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng trong m\u00f4i tr\u01b0\u1eddng \u0111\u1ea7y r\u1ee7i ro v\u00e0 kh\u00f4ng ch\u1eafc ch\u1eafn, c\u0169ng nh\u01b0 l\u00e3i su\u1ea5t t\u01b0\u01a1ng lai v\u00e0 gi\u00e1 c\u1ea3 c\u00e1c lo\u1ea1i ch\u1ee9ng kho\u00e1n s\u1ebd ra sao l\u00e0 nh\u1eefng \u0111i\u1ec1u kh\u00f3 l\u01b0\u1eddng tr\u01b0\u1edbc. V\u00ec th\u1ebf, nh\u1eefng nh\u00e0 qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 t\u1ea7m nh\u00ecn xa h\u01a1n nh\u1eefng l\u00fd do ki\u1ebfm l\u1eddi \u0111\u01a1n thu\u1ea7n.<\/p>\n

\u0110\u1ec3 duy tr\u00ec kh\u1ea3 n\u0103ng thanh to\u00e1n, m\u1ed9t m\u1eb7t, Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/strong> <\/a>ph\u1ea3i \u0111\u1ea3m b\u1ea3o to\u00e0n b\u1ed9 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u00f3 ph\u1ea3i l\u1edbn h\u01a1n c\u00e1c kho\u1ea3n n\u1ee3 ph\u1ea3i thanh to\u00e1n \u1edf m\u1ecdi th\u1eddi \u0111i\u1ec3m. Co\u0301 \u00a0tr\u01b0\u1eddng h\u1ee3p m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng tr\u1eeb n\u1ee3 nh\u01b0ng l\u1ea1i thi\u1ebfu thanh kho\u1ea3n \u0111\u1ec3 trang tr\u1ea3i c\u00e1c n\u1ee3 t\u1ee9c th\u1eddi, c\u0169ng coi nh\u01b0 ng\u00e2n h\u00e0ng \u0111\u00f3 thi\u1ebfu kh\u1ea3 n\u0103ng thanh to\u00e1n v\u00e0 c\u00f3 nguy c\u01a1 d\u1eabn \u0111\u1ebfn ph\u00e1 s\u1ea3n.<\/p>\n

Trong kinh doanh, mu\u1ed1n \u0111\u1ee9ng v\u1eefng v\u00e0 c\u1ea1nh tranh \u0111\u01b0\u1ee3c th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i gi\u1eef r\u1ee7i ro trong gi\u1edbi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh, ph\u1ea3i \u0111\u1eabm b\u1ea3o thanh kho\u1ea3n theo m\u1ee9c \u0111\u1ed9 c\u1ea7n thi\u1ebft trong k\u1ebft c\u1ea5u t\u00e0i s\u1ea3n c\u00f3 v\u00e0 m\u1ee9c \u0111\u1ed9 sinh l\u00e3i c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. N\u1ebfu qu\u00e1 ch\u00fa tr\u1ecdng \u0111\u1ebfn y\u1ebfu t\u1ed1 n\u00e0y ho\u1eb7c y\u1ebfu t\u1ed1 kh\u00e1c th\u00ec s\u1ebd \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn k\u1ebft qu\u1ea3 kinh doanh.<\/p>\n

Khi qu\u1ea3n l\u00fd k\u1ebft c\u1ea5u t\u00e0i s\u1ea3n c\u00f3, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng t\u00ednh to\u00e1n v\u00e0 s\u1eafp x\u1ebfp th\u1ee9 t\u1ef1 \u01b0u ti\u00ean nh\u01b0 sau:<\/p>\n

D\u1ef1 tr\u1eef th\u1ee9 c\u1ea5p:<\/strong><\/b>\u00a0bao g\u1ed3m c\u00e1c lo\u1ea1i ch\u1ee9ng kho\u00e1n c\u00f3 kh\u1ea3 n\u0103ng chuy\u1ec3n th\u00e0nh ti\u1ec1n d\u1ec3 d\u00e0ng nh\u01b0: tr\u00e1i phi\u1ebfu kho b\u1ea1c, gi\u1ea5y ch\u1ea5p nh\u1eadn tr\u1ea3 ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng… D\u1ef1 tr\u1eef th\u1ee9 c\u1ea5p \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 h\u1ed5 tr\u1ee3 cho d\u1ef1 tr\u1eef s\u01a1 c\u1ea5p v\u1ec1 c\u00e1c nhu c\u1ea7u r\u00fat ti\u1ec1n, thanh to\u00e1n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 vay m\u01b0\u1ee3n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn tr\u01b0\u1edbc.<\/p>\n

D\u1ef1 tr\u1eef s\u01a1 c\u1ea5p:<\/strong><\/b>\u00a0l\u00e0 c\u00e1c kho\u1ea3n m\u1ee5c v\u1ec1 ng\u00e2n qu\u1ef9 ti\u1ec1n m\u1eb7t, ti\u1ec1n g\u1edfi \u1edf Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng, ti\u1ec1n g\u1edfi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c. C\u00e1c kho\u1ea3n d\u1ef1 tr\u1eef n\u00e0y \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 d\u1ef1 tr\u1eef theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng v\u00e0 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u b\u1ea5t th\u01b0\u1eddng v\u1ec1 ti\u1ec1n m\u1eb7t cho kh\u00e1ch h\u00e0ng ho\u1eb7c \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c kho\u1ea3n thanh to\u00e1n cho ng\u00e2n h\u00e0ng kh\u00e1c trong vi\u1ec7c thanh to\u00e1n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u1ed0I V\u1edaI T\u00c0I S\u1ea2N N\u1ee2<\/strong><\/b><\/p>\n

Ng\u00e0y nay c\u00e1c nh\u00e0 ng\u00e2n h\u00e0ng \u0111\u00e3 b\u1eaft \u0111\u1ea7u quan t\u00e2m nhi\u1ec1u \u0111\u1ebfn t\u00e0i s\u1ea3n n\u1ee3 v\u00e0 coi vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n n\u1ee3 nh\u01b0 l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd, c\u0169ng nh\u01b0 t\u0103ng ngu\u1ed3n b\u1ed5 sung \u0111\u1ed1i v\u1edbi kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n n\u1ee3 t\u1ee9c l\u00e0 s\u1eed d\u1ee5ng c\u00e1c nghi\u1ec7p v\u1ee5 b\u00ean n\u1ee3 c\u1ee7a b\u1ea3ng t\u1ed5ng k\u1ebft t\u00e0i s\u1ea3n \u0111\u1ec3 m\u1edf r\u1ed9ng c\u00e1c qu\u1ef9 nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u thanh to\u00e1n nh\u01b0 b\u00f9 \u0111\u1eafp c\u00e1c kho\u1ea3n d\u1ef1 tr\u1eef, ho\u1eb7c \u0111i\u1ec1u ti\u1ebft nh\u1eefng nhu c\u1ea7u m\u1edbi v\u1ec1 t\u00edn d\u1ee5ng. Nh\u01b0 v\u1eady, vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n n\u1ee3 l\u00e0 vi\u1ec7c thu h\u00fat nhanh ch\u00f3ng c\u00e1c kho\u1ea3n ti\u1ec1n t\u1ec7 tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 t\u1ea1o kh\u1ea3 n\u0103ng thanh to\u00e1n<\/p>\n

K\u1ef9 thu\u1eadt qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n n\u1ee3 l\u00e0 nh\u1eb1m khai th\u00e1c c\u00e1c ngu\u1ed3n b\u1ed5 sung quan tr\u1ecdng v\u1ec1 kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, vi\u1ec7c qu\u1ea3n l\u00fd n\u00e0y ch\u1ec9 l\u00e0 b\u1ed5 sung, ch\u1ee9 n\u00f3 kh\u00f4ng thay th\u1ebf cho vi\u1ec7c qu\u1ea3n l\u00fd cho t\u00e0i s\u1ea3n c\u00f3. N\u1ebfu nh\u01b0 ch\u00fa tr\u1ecdng qu\u00e1 \u0111\u1ebfn vi\u1ec7c khai th\u00e1c c\u00e1c ngu\u1ed3n b\u1ed5 sung m\u00e0 xem th\u01b0\u1eddng c\u00e1c kho\u1ea3n d\u1ef1 tr\u1eef thu\u1ed9c t\u00e0i s\u1ea3n c\u00f3 s\u1ebd c\u00f3 h\u1eadu qu\u1ea3 x\u1ea5u trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng, c\u00f3 th\u1ec3 d\u1ea9n \u0111\u1ebfn kh\u1ee7ng ho\u1ea3ng tr\u1ea7m tr\u1ecdng.<\/p>\n

Ngu\u1ed3n: S\u01b0u t\u1ea7m<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u1eb7c d\u00f9 v\u1ed1n l\u00e0 y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng, nh\u01b0ng ngo\u00e0i y\u1ebfu t\u1ed1 v\u1ed1n ta c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn h\u00e0ng lo\u1ea1t c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c nh\u01b0: thanh kho\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng, c\u1ea5u tr\u00fac r\u1ee7i ro t\u00edch s\u1ea3n, t\u00ednh ch\u1ea5t bi\u1ebfn \u0111\u1ed9ng c\u1ee7a c\u00e1c lo\u1ea1i ti\u1ec1n g\u1edfi… Xem b\u00e0i vi\u1ebft<\/a><\/p>\n","protected":false},"author":175,"featured_media":6244889,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"footnotes":""},"categories":[2499],"tags":[],"class_list":["post-6244888","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\/6244888","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=6244888"}],"version-history":[{"count":0,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/posts\/6244888\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/media\/6244889"}],"wp:attachment":[{"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/media?parent=6244888"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/categories?post=6244888"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/tags?post=6244888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}