{"id":14553,"date":"2026-09-02T04:17:58","date_gmt":"2026-09-01T21:17:58","guid":{"rendered":"https:\/\/useful.vn\/?p=14553"},"modified":"2026-09-02T04:17:58","modified_gmt":"2026-09-01T21:17:58","slug":"ngan-hang-quoc-doanh-tiep-tuc-duoc-noi-thanh-khoan","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=14553","title":{"rendered":"Ng\u00e2n h\u00e0ng qu\u1ed1c doanh ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c ‘n\u1edbi thanh kho\u1ea3n’"},"content":{"rendered":"
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\nNg\u00e2n h\u00e0ng qu\u1ed1c doanh ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c ‘n\u1edbi thanh kho\u1ea3n’ <\/h1>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u1ea7n th\u1ee9 hai trong n\u0103m nay \u0111i\u1ec1u ch\u1ec9nh c\u00e1ch t\u00ednh t\u1ef7 l\u1ec7 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi, gi\u00fap nh\u00f3m nh\u00e0 b\u0103ng qu\u1ed1c doanh c\u00f3 th\u00eam d\u01b0 \u0111\u1ecba cung \u1ee9ng v\u1ed1n.<\/p>\n

Ng\u00e0y 30\/7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc thay \u0111\u1ed5i c\u00e1ch t\u00ednh ph\u1ea7n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc trong ngu\u1ed3n v\u1ed1n c\u1ee7a c\u00e1c nh\u00e0 b\u0103ng khi t\u00ednh t\u1ef7 l\u1ec7 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR).<\/p>\n

Theo \u0111\u00f3, c\u01a1 quan n\u00e0y cho ph\u00e9p t\u00ednh m\u1ed9t n\u1eeda s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc v\u00e0o t\u1ed5ng ti\u1ec1n g\u1eedi khi x\u00e1c \u0111\u1ecbnh t\u1ef7 l\u1ec7 LDR t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng. Quy \u0111\u1ecbnh c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/8\/2026 \u0111\u1ebfn h\u1ebft 31\/7\/2028.<\/p>\n

C\u1ee5 th\u1ec3, t\u1ed5ng ti\u1ec1n g\u1eedi \u0111\u1ec3 t\u00ednh LDR s\u1ebd g\u1ed3m: ti\u1ec1n g\u1eedi c\u00e1 nh\u00e2n, ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c (k\u1ec3 c\u1ea3 ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c), huy \u0111\u1ed9ng qua k\u1ef3 phi\u1ebfu, t\u00edn phi\u1ebfu, ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, tr\u00e1i phi\u1ebfu v\u00e0 50% ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

C\u00e1ch \u0111\u00e2y hai th\u00e1ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 n\u1edbi c\u00e1ch t\u00ednh LDR, cho ph\u00e9p c\u00e1c nh\u00e0 b\u0103ng t\u00ednh 20% ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc v\u00e0o t\u1ed5ng ti\u1ec1n g\u1eedi, thay v\u00ec lo\u1ea1i tr\u1eeb ho\u00e0n to\u00e0n nh\u01b0 tr\u01b0\u1edbc.<\/p>\n

\u00d4ng Hu\u1ef3nh Duy Sang, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Ng\u00e2n h\u00e0ng \u00c1 Ch\u00e2u (ACB) cho bi\u1ebft vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh n\u00e0y gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u00eam d\u01b0 \u0111\u1ecba cho vay nh\u01b0ng kh\u00f4ng l\u00e0m thay \u0111\u1ed5i thanh kho\u1ea3n th\u1ef1c t\u1ebf.<\/p>\n

C\u1ee5 th\u1ec3, v\u1edbi 10 \u0111\u1ed3ng ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c, hi\u1ec7n ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh 2 \u0111\u1ed3ng v\u00e0o t\u1ed5ng ngu\u1ed3n v\u1ed1n (m\u1eabu s\u1ed1 LDR), t\u1eeb ng\u00e0y 1\/8 s\u1ebd t\u0103ng l\u00ean 5 \u0111\u1ed3ng. M\u1eabu s\u1ed1 l\u1edbn h\u01a1n gi\u00fap t\u1ef7 l\u1ec7 LDR gi\u1ea3m tr\u01b0\u1edbc khi ch\u1ea1m tr\u1ea7n quy \u0111\u1ecbnh, qua \u0111\u00f3 b\u1edbt \u00e1p l\u1ef1c huy \u0111\u1ed9ng th\u00eam v\u1ed1n t\u1eeb d\u00e2n c\u01b0 v\u00e0 c\u00e1c k\u00eanh kh\u00e1c.<\/p>\n

N\u1ebfu c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c kh\u00f4ng \u0111\u1ed5i, vi\u1ec7c t\u00ednh th\u00eam 30% tr\u00ean kho\u1ea3ng 700.000 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi Kho b\u1ea1c c\u00f3 th\u1ec3 t\u1ea1o ra g\u1ea7n 200.000 t\u1ef7 \u0111\u1ed3ng d\u01b0 \u0111\u1ecba cho vay, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 1% t\u1ed5ng d\u01b0 n\u1ee3 n\u1ec1n kinh t\u1ebf.<\/p>\n

C\u00e1c chuy\u00ean gia cho r\u1eb1ng, nh\u00f3m h\u01b0\u1edfng l\u1ee3i l\u1edbn nh\u1ea5t t\u1eeb quy \u0111\u1ecbnh n\u00e0y l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh, nh\u1eefng \u0111\u01a1n v\u1ecb t\u1eadp trung g\u1ea7n nh\u01b0 to\u00e0n b\u1ed9 ti\u1ec1n g\u1eedi c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc. \u0110\u1ebfn cu\u1ed1i th\u00e1ng 3, s\u1ed1 d\u01b0 t\u1ea1i Vietcombank, BIDV, Agribank v\u00e0 VietinBank chi\u1ebfm h\u01a1n 99% t\u1ed5ng ti\u1ec1n g\u1eedi Kho b\u1ea1c (626.700 t\u1ef7 \u0111\u1ed3ng) tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng.<\/p>\n

Theo quy \u0111\u1ecbnh, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i gi\u1eef t\u1ef7 l\u1ec7 LDR kh\u00f4ng qu\u00e1 85% (t\u1ee9c huy \u0111\u1ed9ng 10 \u0111\u1ed3ng, cho vay kh\u00f4ng qu\u00e1 85 \u0111\u1ed3ng). Trong khi \u0111\u00f3, t\u1ef7 l\u1ec7 n\u00e0y t\u1ea1i nh\u00f3m qu\u1ed1c doanh \u0111\u1ec1u ti\u1ebfn s\u00e1t tr\u1ea7n. Vietcombank c\u00f3 LDR cao nh\u1ea5t, \u1edf m\u1ee9c 84,5%, ti\u1ebfp \u0111\u1ebfn l\u00e0 VietinBank 83,5%, Agribank 83% v\u00e0 BIDV 82,9% (t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 3).<\/p>\n

“Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho ph\u00e9p t\u00ednh 50% ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc v\u00e0o ngu\u1ed3n v\u1ed1n gi\u00fap t\u1ef7 l\u1ec7 LDR c\u1ee7a c\u00e1c nh\u00e0 b\u0103ng qu\u1ed1c doanh gi\u1ea3m xu\u1ed1ng, t\u1ee9c h\u1ecd c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng d\u01b0 \u0111\u1ecba cho vay m\u00e0 kh\u00f4ng c\u1ea7n h\u1ea1 chu\u1ea9n an to\u00e0n v\u1ed1n”, m\u1ed9t l\u00e3nh \u0111\u1ea1o OCB \u0111\u00e1nh gi\u00e1.<\/p>\n

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B\u00ean ngo\u00e0i tr\u1ee5 s\u1edf Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1ea1i H\u00e0 N\u1ed9i. \u1ea2nh: Giang Huy<\/em><\/p>\n<\/figcaption><\/figure>\n

\nVi\u1ec7c li\u00ean ti\u1ebfp \u0111i\u1ec1u ch\u1ec9nh c\u00e1ch t\u00ednh ti\u1ec1n g\u1eedi Kho b\u1ea1c di\u1ec5n ra trong b\u1ed1i c\u1ea3nh nhu c\u1ea7u v\u1ed1n c\u1ee7a n\u1ec1n kinh t\u1ebf gia t\u0103ng \u0111\u1ec3 ph\u1ee5c v\u1ee5 m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng hai ch\u1eef s\u1ed1. T\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh t\u1ea1o th\u00eam \u00e1p l\u1ef1c l\u00ean thanh kho\u1ea3n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc y\u00eau c\u1ea7u c\u00e1c nh\u00e0 b\u0103ng nh\u1eadn ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c ki\u1ec3m so\u00e1t ch\u00eanh l\u1ec7ch v\u1ec1 quy m\u00f4, k\u1ef3 h\u1ea1n gi\u1eefa ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng v\u00e0 s\u1eed d\u1ee5ng v\u1ed1n. C\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m kh\u1ea3 n\u0103ng thanh kho\u1ea3n, chi tr\u1ea3, k\u1ec3 c\u1ea3 khi Kho b\u1ea1c r\u00fat ti\u1ec1n tr\u01b0\u1edbc h\u1ea1n, \u0111\u1ed3ng th\u1eddi duy tr\u00ec \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n.<\/p>\n

Cu\u1ed1i th\u00e1ng 6, Ch\u00ednh ph\u1ee7 c\u0169ng trao quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng h\u01a1n cho B\u1ed9 T\u00e0i ch\u00ednh quy\u1ebft \u0111\u1ecbnh h\u1ea1n m\u1ee9c s\u1eed d\u1ee5ng ng\u00e2n qu\u1ef9 nh\u00e0 n\u01b0\u1edbc t\u1ea1m th\u1eddi nh\u00e0n r\u1ed7i \u0111\u1ec3 g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Khi c\u1ea7n thi\u1ebft, h\u1ea1n m\u1ee9c g\u1eedi Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 v\u01b0\u1ee3t 50% ngu\u1ed3n ng\u00e2n qu\u1ef9 t\u1ea1m th\u1eddi nh\u00e0n r\u1ed7i nh\u01b0 \u0111ang \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh.<\/p>\n

Qu\u1ef3nh Trang<\/strong><\/p>\n<\/article>\n

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https:\/\/vnexpress.net\/ngan-hang-quoc-doanh-tiep-tuc-duoc-noi-thanh-khoan-5103806.html<\/p>\n","protected":false},"excerpt":{"rendered":"

Ng\u00e2n h\u00e0ng qu\u1ed1c doanh ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c ‘n\u1edbi thanh kho\u1ea3n’ Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u1ea7n th\u1ee9 hai trong n\u0103m nay \u0111i\u1ec1u ch\u1ec9nh c\u00e1ch t\u00ednh t\u1ef7 l\u1ec7 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi, gi\u00fap nh\u00f3m nh\u00e0 b\u0103ng qu\u1ed1c doanh c\u00f3 th\u00eam d\u01b0 \u0111\u1ecba cung \u1ee9ng v\u1ed1n. Ng\u00e0y 30\/7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc thay \u0111\u1ed5i c\u00e1ch t\u00ednh<\/p>\n","protected":false},"author":1,"featured_media":14554,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-14553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/14553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14553"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/14553\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/14554"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}