{"id":15640,"date":"2026-09-07T06:47:27","date_gmt":"2026-09-06T23:47:27","guid":{"rendered":"https:\/\/useful.vn\/?p=15640"},"modified":"2026-09-07T06:47:27","modified_gmt":"2026-09-06T23:47:27","slug":"11-dau-hieu-canh-bao-som-ngan-hang-mat-thanh-khoan","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=15640","title":{"rendered":"11 d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o s\u1edbm ng\u00e2n h\u00e0ng m\u1ea5t thanh kho\u1ea3n"},"content":{"rendered":"
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\n11 d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o s\u1edbm ng\u00e2n h\u00e0ng m\u1ea5t thanh kho\u1ea3n <\/h1>\n

15\/15 ng\u00e2n h\u00e0ng t\u1eebng g\u1eb7p s\u1ef1 c\u1ed1 v\u1ec1 thanh kho\u1ea3n, theo FiinRatings, \u0111\u1ec1u xu\u1ea5t hi\u1ec7n d\u1ea5u hi\u1ec7u m\u1ea5t c\u00e2n \u0111\u1ed1i t\u00e0i s\u1ea3n, t\u00edn d\u1ee5ng, ti\u1ec1n g\u1eedi t\u1eeb tr\u01b0\u1edbc.<\/p>\n

H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u1eebng tr\u1ea3i qua c\u00e1c giai \u0111o\u1ea1n c\u0103ng th\u1eb3ng sau kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u n\u0103m 2008 v\u00e0 trong giai \u0111o\u1ea1n 2022-2023. Nh\u1eefng bi\u1ebfn \u0111\u1ed9ng n\u00e0y, theo h\u00e3ng x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m FiinRatings, cho th\u1ea5y r\u1ee7i ro t\u1ea1i m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 t\u00edch t\u1ee5 trong th\u1eddi gian d\u00e0i, sau \u0111\u00f3 lan truy\u1ec1n nhanh v\u00e0 \u0111\u00f2i h\u1ecfi s\u1ef1 can thi\u1ec7p c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd.<\/p>\n

D\u00f9 di\u1ec5n ra trong nh\u1eefng b\u1ed1i c\u1ea3nh kinh t\u1ebf kh\u00e1c nhau, c\u00e1c s\u1ef1 ki\u1ec7n ng\u00e2n h\u00e0ng ti\u1ec7m c\u1eadn ho\u1eb7c m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n \u0111\u1ec1u c\u00f3 \u0111i\u1ec3m chung l\u00e0 th\u01b0\u1eddng kh\u00f4ng suy y\u1ebfu m\u1ed9t c\u00e1ch \u0111\u1ed9t ng\u1ed9t.<\/p>\n

Tr\u01b0\u1edbc khi x\u1ea3y ra c\u00e1c s\u1ef1 ki\u1ec7n t\u00edn d\u1ee5ng nghi\u00eam tr\u1ecdng ho\u1eb7c c\u1ea7n \u0111\u1ebfn s\u1ef1 can thi\u1ec7p c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd, c\u00e1c d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o th\u01b0\u1eddng \u0111\u00e3 xu\u1ea5t hi\u1ec7n th\u00f4ng qua s\u1ef1 suy gi\u1ea3m v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n, kh\u1ea3 n\u0103ng sinh l\u1eddi, thanh kho\u1ea3n, m\u1ee9c \u0111\u1ed9 an to\u00e0n v\u1ed1n, c\u01a1 c\u1ea5u ngu\u1ed3n v\u1ed1n ho\u1eb7c ch\u1ea5t l\u01b0\u1ee3ng qu\u1ea3n tr\u1ecb.<\/p>\n

Qua nghi\u00ean c\u1ee9u 15 ng\u00e2n h\u00e0ng t\u1eebng m\u1ea5t ho\u1eb7c ti\u1ec7m c\u1eadn m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam, h\u00e3ng x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m FiinRatings ch\u1ec9 ra 11 d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o s\u1edbm, g\u1ed3m 5 y\u1ebfu t\u1ed1 \u0111\u1ecbnh l\u01b0\u1ee3ng v\u00e0 6 y\u1ebfu t\u1ed1 \u0111\u1ecbnh t\u00ednh.<\/p>\n

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\u0110\u1ed3 h\u1ecda c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a AI<\/em><\/p>\n<\/figcaption><\/figure>\n

Nh\u1eefng d\u1ea5u hi\u1ec7u \u0111\u1ecbnh l\u01b0\u1ee3ng ph\u1ea3n \u00e1nh b\u1ea5t th\u01b0\u1eddng \u1edf c\u00e1c ng\u00e2n h\u00e0ng trong m\u00f4 h\u00ecnh kinh doanh, c\u01a1 c\u1ea5u t\u00e0i s\u1ea3n – ngu\u1ed3n v\u1ed1n, b\u1ed9 \u0111\u1ec7m v\u1ed1n, ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 thanh kho\u1ea3n.<\/p>\n

D\u1ea5u hi\u1ec7u \u0111\u1ecbnh l\u01b0\u1ee3ng xu\u1ea5t hi\u1ec7n ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 s\u1ef1 m\u1ea5t c\u00e2n x\u1ee9ng gi\u1eefa t\u0103ng tr\u01b0\u1edfng t\u1ed5ng t\u00e0i s\u1ea3n, d\u01b0 n\u1ee3 cho vay v\u00e0 ti\u1ec1n g\u1eedi kh\u00e1ch h\u00e0ng, ghi nh\u1eadn \u1edf c\u1ea3 15 nh\u00e0 b\u0103ng t\u1eebng ti\u1ec7m c\u1eadn ho\u1eb7c m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n.<\/p>\n

Ch\u1eb3ng h\u1ea1n, m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 t\u1ed5ng t\u00e0i s\u1ea3n t\u0103ng 288% v\u00e0o n\u0103m 2009, ch\u1ee7 y\u1ebfu nh\u1edd ti\u1ec1n g\u1eedi v\u00e0 cho vay c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c, trong khi d\u01b0 n\u1ee3 kh\u00e1ch h\u00e0ng ch\u1ec9 t\u0103ng 31%. M\u1ed9t n\u0103m sau, t\u1ed5ng t\u00e0i s\u1ea3n gi\u1ea3m 9% nh\u01b0ng cho vay kh\u00e1ch h\u00e0ng l\u1ea1i t\u0103ng 122%. Ng\u00e2n h\u00e0ng n\u00e0y ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng nhanh, t\u00edn d\u1ee5ng t\u1eadp trung v\u00e0o nh\u00f3m kh\u00e1ch h\u00e0ng li\u00ean quan, tr\u01b0\u1edbc khi ph\u1ea3i s\u00e1p nh\u1eadp b\u1eaft bu\u1ed9c n\u0103m 2013.<\/p>\n

S\u1ef1 ch\u00eanh l\u1ec7ch k\u00e9o d\u00e0i gi\u1eefa t\u0103ng tr\u01b0\u1edfng cho vay v\u00e0 ti\u1ec1n g\u1eedi c\u0169ng ph\u1ea3n \u00e1nh m\u1ea5t c\u00e2n \u0111\u1ed1i trong huy \u0111\u1ed9ng v\u00e0 s\u1eed d\u1ee5ng v\u1ed1n. N\u1ebfu t\u00edn d\u1ee5ng t\u0103ng nhanh h\u01a1n ti\u1ec1n g\u1eedi, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ph\u1ea3i b\u00f9 \u0111\u1eafp b\u1eb1ng nh\u1eefng ngu\u1ed3n v\u1ed1n k\u00e9m \u1ed5n \u0111\u1ecbnh, l\u00e0m t\u0103ng r\u1ee7i ro thanh kho\u1ea3n v\u00e0 t\u00e1i c\u1ea5p v\u1ed1n. Ng\u01b0\u1ee3c l\u1ea1i, ti\u1ec1n g\u1eedi t\u0103ng v\u01b0\u1ee3t xa cho vay c\u00f3 th\u1ec3 cho th\u1ea5y ngu\u1ed3n v\u1ed1n ch\u01b0a \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 ho\u1eb7c \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 sang c\u00e1c t\u00e0i s\u1ea3n r\u1ee7i ro h\u01a1n.<\/p>\n

M\u1ed9t tr\u01b0\u1eddng h\u1ee3p kh\u00e1c \u0111\u01b0\u1ee3c FiinRatings l\u1ea5y v\u00ed d\u1ee5 c\u00f3 d\u01b0 n\u1ee3 cho vay t\u0103ng 9% trong n\u0103m 2011 trong khi ti\u1ec1n g\u1eedi kh\u00e1ch h\u00e0ng gi\u1ea3m c\u00f9ng m\u1ee9c. \u0110\u1ebfn n\u0103m 2012, t\u00edn d\u1ee5ng t\u0103ng ti\u1ebfp 37%, cao h\u01a1n \u0111\u00e1ng k\u1ec3 m\u1ee9c t\u0103ng 12% c\u1ee7a ti\u1ec1n g\u1eedi. Ng\u00e2n h\u00e0ng n\u00e0y \u0111\u1ed3ng th\u1eddi t\u1eadp trung c\u1ea5p v\u1ed1n cho c\u00e1c doanh nghi\u1ec7p li\u00ean quan v\u00e0 ph\u1ea3i huy \u0111\u1ed9ng v\u1edbi chi ph\u00ed cao, tr\u01b0\u1edbc khi m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n.<\/p>\n

Trong khi \u0111\u00f3, nh\u00f3m d\u1ea5u hi\u1ec7u \u0111\u1ecbnh t\u00ednh ghi nh\u1eadn \u1edf c\u00e1c nh\u00e0 b\u0103ng kh\u00f3 kh\u0103n ph\u1ea3n \u00e1nh m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro, ph\u01b0\u01a1ng th\u1ee9c huy \u0111\u1ed9ng v\u1ed1n, c\u01a1 c\u1ea5u s\u1edf h\u1eefu v\u00e0 qu\u1ea3n tr\u1ecb.<\/p>\n

Nh\u1eefng d\u1ea5u hi\u1ec7u ph\u1ed5 bi\u1ebfn v\u00e0 nh\u1ea5t qu\u00e1n nh\u1ea5t l\u00e0 r\u1ee7i ro t\u1eadp trung t\u00edn d\u1ee5ng, l\u1ecbch s\u1eed sai ph\u1ea1m v\u1ec1 qu\u1ea3n tr\u1ecb v\u00e0 tu\u00e2n th\u1ee7, c\u00f9ng quy\u1ec1n ki\u1ec3m so\u00e1t t\u1eadp trung v\u00e0o nh\u00f3m c\u1ed5 \u0111\u00f4ng c\u00e1 nh\u00e2n li\u00ean quan.<\/p>\n

N\u1ebfu c\u00e1c ch\u1ec9 ti\u00eau \u0111\u1ecbnh l\u01b0\u1ee3ng ch\u1ee7 y\u1ebfu ph\u1ea3n \u00e1nh h\u1ec7 qu\u1ea3 c\u1ee7a r\u1ee7i ro \u0111\u00e3 t\u00edch t\u1ee5, nh\u1eefng y\u1ebfu t\u1ed1 \u0111\u1ecbnh t\u00ednh c\u00f3 th\u1ec3 cho th\u1ea5y nguy\u00ean nh\u00e2n khi\u1ebfn r\u1ee7i ro h\u00ecnh th\u00e0nh t\u1eeb b\u00ean trong ng\u00e2n h\u00e0ng. Ch\u00fang c\u00f3 kh\u1ea3 n\u0103ng xu\u1ea5t hi\u1ec7n s\u1edbm h\u01a1n nh\u01b0ng kh\u00f3 nh\u1eadn di\u1ec7n do kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n tr\u1ef1c ti\u1ebfp tr\u00ean b\u00e1o c\u00e1o t\u00e0i ch\u00ednh.<\/p>\n

Khi ki\u1ec3m th\u1eed b\u1ed9 ch\u1ec9 b\u00e1o tr\u00ean 12 ng\u00e2n h\u00e0ng \u0111ang ho\u1ea1t \u0111\u1ed9ng, s\u1eed d\u1ee5ng d\u1eef li\u1ec7u giai \u0111o\u1ea1n 2020-2025, nh\u00f3m x\u1ebfp h\u1ea1ng cao ghi nh\u1eadn t\u01b0\u01a1ng \u0111\u1ed1i \u00edt d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o. T\u1ea7n su\u1ea5t xu\u1ea5t hi\u1ec7n c\u00f3 xu h\u01b0\u1edbng t\u0103ng r\u00f5 r\u1ec7t \u1edf nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng th\u1ea5p h\u01a1n.<\/p>\n

Tuy nhi\u00ean, FiinRatings l\u01b0u \u00fd s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a m\u1ed9t ho\u1eb7c m\u1ed9t v\u00e0i d\u1ea5u hi\u1ec7u kh\u00f4ng ph\u1ea3i b\u1eb1ng ch\u1ee9ng tr\u1ef1c ti\u1ebfp cho th\u1ea5y ng\u00e2n h\u00e0ng c\u00f3 nguy c\u01a1 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n. C\u00e1c ch\u1ec9 b\u00e1o c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 trong m\u1ed1i li\u00ean h\u1ec7 v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng v\u00e0 b\u1ed1i c\u1ea3nh c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

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

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https:\/\/vnexpress.net\/11-dau-hieu-canh-bao-som-ngan-hang-mat-thanh-khoan-5105047.html<\/p>\n","protected":false},"excerpt":{"rendered":"

11 d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o s\u1edbm ng\u00e2n h\u00e0ng m\u1ea5t thanh kho\u1ea3n 15\/15 ng\u00e2n h\u00e0ng t\u1eebng g\u1eb7p s\u1ef1 c\u1ed1 v\u1ec1 thanh kho\u1ea3n, theo FiinRatings, \u0111\u1ec1u xu\u1ea5t hi\u1ec7n d\u1ea5u hi\u1ec7u m\u1ea5t c\u00e2n \u0111\u1ed1i t\u00e0i s\u1ea3n, t\u00edn d\u1ee5ng, ti\u1ec1n g\u1eedi t\u1eeb tr\u01b0\u1edbc. H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u1eebng tr\u1ea3i qua c\u00e1c giai \u0111o\u1ea1n c\u0103ng th\u1eb3ng sau kh\u1ee7ng<\/p>\n","protected":false},"author":1,"featured_media":15641,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-15640","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\/15640","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=15640"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/15640\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/15641"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15640"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15640"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}