{"id":1112,"date":"2022-06-23T09:22:32","date_gmt":"2022-06-23T02:22:32","guid":{"rendered":"https:\/\/pertoo.com\/tcnh\/?p=1112"},"modified":"2023-10-05T09:41:08","modified_gmt":"2023-10-05T02:41:08","slug":"credit-room-management-at-banks-in-vietnam","status":"publish","type":"post","link":"https:\/\/pertoo.com\/tcnh\/en\/credit-room-management-at-banks-in-vietnam\/","title":{"rendered":"Credit room management at banks in Vietnam"},"content":{"rendered":"\n

Dr. Phung Thai Minh Trang – Dean of the Faculty of Finance – Banking gave an interview on credit room management at banks and forecasted interest rates for the last 6 months of 2022. The interview was published on Cafef.vn: and presented below:<\/p>\n\n\n\n

https:\/\/cafef.vn\/room-tin-dung-han-che-lai-suat-dau-vao-tang-cac-ngan-hang-se-bi-anh-huong-the-nao-20220615231102226.chn <\/p>\n\n\n\n

Theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, \u0111\u1ebfn ng\u00e0y 9\/6\/2022, t\u00edn d\u1ee5ng t\u0103ng 8,15% so v\u1edbi cu\u1ed1i n\u0103m 2021, t\u0103ng 17,09% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2021, ph\u00f9 h\u1ee3p v\u1edbi di\u1ec5n bi\u1ebfn t\u00edch c\u1ef1c h\u01a1n c\u1ee7a n\u1ec1n kinh t\u1ebf. Tr\u01b0\u1edbc \u0111\u00f3, t\u00ednh \u0111\u1ebfn ng\u00e0y 27\/5, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng to\u00e0n h\u1ec7 th\u1ed1ng \u0111\u1ea1t 7,75% so v\u1edbi cu\u1ed1i n\u0103m 2021. <\/p>\n\n\n\n

Nh\u01b0 v\u1eady, t\u00edn d\u1ee5ng to\u00e0n n\u1ec1n kinh t\u1ebf ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng m\u1ea1nh g\u1ea7n \u0111\u00e2y d\u00f9 r\u1eb1ng kh\u00f4ng \u00edt ng\u00e2n h\u00e0ng \u0111\u00e3 ti\u00eau h\u1ebft quota t\u0103ng tr\u01b0\u1edfng t\u1eeb cu\u1ed1i qu\u00fd 1.<\/p>\n\n\n\n

Mong m\u1ecfi \u0111\u01b0\u1ee3c n\u1edbi room t\u00edn d\u1ee5ng<\/strong><\/p>\n\n\n\n

Theo TS. Ph\u00f9ng Th\u00e1i Minh Trang, Tr\u01b0\u1edfng khoa T\u00e0i ch\u00ednh Ng\u00e2n h\u00e0ng \u2013 Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Hoa Sen, vi\u1ec7c h\u1ebft room s\u1edbm t\u1eeb cu\u1ed1i qu\u00fd 1 trong khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eabn ch\u01b0a c\u1ea5p h\u1ea1n m\u1ee9c m\u1edbi s\u1ebd kh\u00f4ng \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u \u0111\u1ebfn k\u1ebft qu\u1ea3 kinh doanh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. V\u00ec b\u00ean c\u1ea1nh ngu\u1ed3n thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, c\u00e1c nh\u00e0 b\u0103ng c\u0169ng \u0111\u00e3 v\u00e0 \u0111ang ph\u00e1t tri\u1ec3n thu nh\u1eadp t\u1eeb c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c.<\/p>\n\n\n\n

Tuy nhi\u00ean, c\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ea7n ph\u1ea3i l\u01b0u \u00fd, \u0111\u00f3 l\u00e0 trong b\u1ed1i c\u1ea3nh n\u1ec1n kinh t\u1ebf ph\u1ee5c h\u1ed3i sau \u0111\u1ea1i d\u1ecbch, vi\u1ec7c h\u1ebft room c\u00f3 th\u1ec3 t\u1ea1o ra nh\u1eefng kh\u00f3 kh\u0103n nh\u1ea5t \u0111\u1ecbnh cho c\u00e1c doanh nghi\u1ec7p trong vi\u1ec7c ti\u1ebfp c\u1eadn v\u1edbi ngu\u1ed3n t\u00edn d\u1ee5ng \u0111\u1ec3 nhanh ch\u00f3ng quay l\u1ea1i s\u1ea3n xu\u1ea5t. T\u1eeb \u0111\u00f3, gi\u00e1n ti\u1ebfp t\u1ea1o ra \u00e1p l\u1ef1c l\u00ean ch\u1ea5t l\u01b0\u1ee3ng c\u1ee7a c\u00e1c kho\u1ea3n vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc trong n\u0103m ngo\u00e1i \u0111\u1eb7t k\u1ebf ho\u1ea1ch t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00e0 12% v\u00e0 c\u0169ng \u0111\u00e3 c\u00f3 m\u1ed9t \u0111\u1ee3t n\u1edbi room \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c ch\u1ec9 ti\u00eau n\u00e0y. Trong n\u0103m nay, m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00e0 14%, \u0111\u00e2y l\u00e0 m\u1ee9c t\u0103ng \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 t\u01b0\u01a1ng \u0111\u1ed1i cao trong nhi\u1ec1u n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y. V\u00ec th\u1ebf, chuy\u00ean gia tin t\u01b0\u1edfng r\u1eb1ng c\u00f3 th\u1ec3 s\u1ebd ti\u1ebfp t\u1ee5c c\u00f3 m\u1ed9t \u0111\u1ee3t n\u1edbi room trong th\u1eddi gian t\u1edbi.<\/p>\n\n\n\n

\"\bRoom<\/a><\/figure>\n\n\n\n

TS.Ph\u00f9ng Th\u00e1i Minh Trang<\/p>\n\n\n\n

“N\u0103m 2022, n\u1ec1n kinh t\u1ebf Vi\u1ec7t nam d\u1ea7n ph\u1ee5c h\u1ed3i sau \u0111\u1ea1i d\u1ecbch COVID-19. C\u00e1c doanh nghi\u1ec7p c\u1ea7n v\u1ed1n \u0111\u1ec3 ph\u00e1t tri\u1ec3n s\u1ea3n xu\u1ea5t v\u00e0 kinh doanh. Do \u0111\u00f3, vi\u1ec7c \u0111\u1ec1 xu\u1ea5t NHNN n\u1edbi room t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho ng\u00e2n h\u00e0ng l\u00e0 c\u1ea7n thi\u1ebft. Tuy nhi\u00ean, vi\u1ec7c n\u1edbi room s\u1ebd ph\u1ea3i di\u1ec5n ra theo nguy\u00ean t\u1eafc \u0111\u1ea3m b\u1ea3o ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t, \u1ed5n \u0111\u1ecbnh v\u0129 m\u00f4. Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p th\u00eam quota nhi\u1ec1u hay \u00edt s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 v\u00e0 t\u00f9y ng\u00e2n h\u00e0ng. Theo quan s\u00e1t h\u1ed3i n\u0103m ngo\u00e1i, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 ho\u1ea1t \u0111\u1ed9ng an to\u00e0n v\u00e0 l\u00e0nh m\u1ea1nh s\u1ebd c\u00f3 \u01b0u th\u1ebf h\u01a1n trong vi\u1ec7c n\u1edbi room” – B\u00e0 Trang nh\u1eadn \u0111\u1ecbnh v\u1ec1 t\u00ecnh h\u00ecnh room t\u00edn d\u1ee5ng th\u1eddi gian t\u1edbi.<\/p>\n\n\n\n

\u00c1p l\u1ef1c t\u0103ng l\u00e3i su\u1ea5t cho vay <\/strong><\/p>\n\n\n\n

\u1ede m\u1ed9t di\u1ec5n bi\u1ebfn kh\u00e1c, d\u00f9 r\u1eb1ng vi\u1ec7c h\u1ebft room t\u00edn d\u1ee5ng di\u1ec5n ra \u1edf kh\u00f4ng \u00edt c\u00e1c ng\u00e2n h\u00e0ng, tuy nhi\u00ean m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng l\u1ea1i \u0111\u01b0\u1ee3c \u0111\u1ea9y l\u00ean trong kho\u1ea3ng 2 th\u00e1ng tr\u1edf l\u1ea1i \u0111\u00e2y. Hi\u1ec7n l\u00e3i su\u1ea5t t\u1edbi 7%\/n\u0103m cho c\u00e1c k\u1ef3 h\u1ea1n d\u00e0i \u0111\u00e3 kh\u00f4ng c\u00f2n hi\u1ebfm g\u1eb7p, th\u1eadm ch\u00ed c\u00f2n t\u1edbi 7,5%\/n\u0103m.<\/p>\n\n\n\n

TS. Ph\u00f9ng Th\u00e1i Minh Trang cho r\u1eb1ng, vi\u1ec7c t\u0103ng l\u00e3i su\u1ea5t th\u1eddi gian qua kh\u00f4ng ch\u1ec9 di\u1ec5n ra \u1edf l\u00e3i su\u1ea5t huy \u0111\u1ed9ng m\u00e0 c\u00f2n c\u1ea3 \u1edf l\u00e3i su\u1ea5t \u0111\u1ea7u ra.<\/p>\n\n\n\n

C\u1ee5 th\u1ec3, vi\u1ec7c l\u00e3i su\u1ea5t \u0111\u1ea7u v\u00e0o t\u0103ng ch\u1ee7 y\u1ebfu l\u00e0 do c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00f3n \u0111\u1ea7u d\u00f2ng ti\u1ec1n r\u1eddi kh\u1ecfi th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ch\u1ee9ng kho\u00e1n khi c\u00e1c th\u1ecb tr\u01b0\u1eddng n\u00e0y kh\u00f4ng c\u00f2n qu\u00e1 m\u00e0u m\u1ee1 nh\u01b0 tr\u01b0\u1edbc.<\/p>\n\n\n\n

Vi\u1ec7c l\u00e3i su\u1ea5t \u0111\u1ea7u ra t\u0103ng m\u1ed9t ph\u1ea7n c\u0169ng l\u00e0 do quy lu\u1eadt cung c\u1ea7u. T\u00edn d\u1ee5ng nh\u01b0 m\u1ed9t lo\u1ea1i h\u00e0ng h\u00f3a \u0111\u1eb7c bi\u1ec7t. Th\u1eddi gian qua, ngu\u1ed3n cung c\u1ee7a lo\u1ea1i h\u00e0ng h\u00f3a n\u00e0y kh\u00f4ng c\u00f2n r\u1ed9ng r\u00e3i nh\u01b0 tr\u01b0\u1edbc. Ch\u00ednh v\u00ec th\u1ebf m\u00e0 ng\u01b0\u1eddi mua ph\u1ea3i s\u1eb5n s\u00e0ng tr\u1ea3 cao h\u01a1n \u0111\u1ec3 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ch\u00fang.<\/p>\n\n\n\n

B\u00ean c\u1ea1nh c\u00e1c y\u1ebfu t\u1ed1 cung c\u1ea7u, l\u1ea1m ph\u00e1t c\u0169ng l\u00e0 m\u1ed9t t\u00e1c nh\u00e2n th\u00fac \u0111\u1ea9y l\u00e3i su\u1ea5t nh\u00edch l\u00ean th\u1eddi gian qua.<\/p>\n\n\n\n

Chi ti\u1ebft h\u01a1n, chuy\u00ean gia cho bi\u1ebft, khi l\u1ea1m ph\u00e1t x\u1ea3y ra, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i c\u00e2n nh\u1eafc \u0111\u1ebfn nh\u1eefng h\u00e0nh \u0111\u1ed9ng \u0111\u1ec3 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, m\u1ed9t trong s\u1ed1 \u0111\u00f3 s\u1ebd l\u00e0 t\u0103ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng. \u0110\u1ec3 duy tr\u00ec \u0111\u01b0\u1ee3c bi\u00ean l\u1ee3i nhu\u1eadn, c\u00e1c nh\u00e0 b\u0103ng s\u1ebd ph\u1ea3i t\u00ednh \u0111\u1ebfn vi\u1ec7c n\u00e2ng l\u00e3i su\u1ea5t \u0111\u1ea7u ra cho vay. Tuy nhi\u00ean, vi\u1ec7c n\u00e0y s\u1ebd c\u00f3 m\u1ed9t \u0111\u1ed9 tr\u1ec5 v\u00e0 gi\u1edbi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh.<\/p>\n\n\n\n

M\u1eb7t kh\u00e1c, vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh t\u0103ng l\u00e3i su\u1ea5t c\u0169ng c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi \u0111i vay. T\u1eeb \u0111\u00f3 m\u00e0 ch\u1ea5t l\u01b0\u1ee3ng danh m\u1ee5c cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 kh\u1ea3 n\u0103ng b\u1ecb \u1ea3nh h\u01b0\u1edfng.<\/p>\n\n\n\n

B\u00ean c\u1ea1nh \u0111\u00f3, l\u1ea1m ph\u00e1t t\u0103ng cao c\u0169ng c\u00f3 nh\u1eefng \u1ea3nh h\u01b0\u1edfng nh\u1ea5t \u0111\u1ecbnh \u0111\u1ebfn n\u1ec1n kinh t\u1ebf nh\u01b0 ti\u00eau d\u00f9ng gi\u1ea3m v\u00ec gi\u00e1 c\u1ea3 t\u0103ng cao d\u1eabn \u0111\u1ebfn doanh nghi\u1ec7p thu h\u1eb9p s\u1ea3n xu\u1ea5t, k\u00e9o theo th\u1ea5t nghi\u1ec7p t\u0103ng, nhu c\u1ea7u t\u00edn d\u1ee5ng gi\u1ea3m\u2026 C\u00e1c ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 gi\u00e1n ti\u1ebfp b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi c\u00e1c di\u1ec5n bi\u1ebfn v\u0129 m\u00f4 b\u1ea5t l\u1ee3i n\u00e0y.<\/p>\n","protected":false},"excerpt":{"rendered":"

Dr. Phung Thai Minh Trang – Dean of the Faculty of Finance – Banking gave an interview on credit room management at banks and forecasted interest rates for the last 6 months of 2022. The interview was published on Cafef.vn: and presented below: https:\/\/cafef.vn\/room-tin-dung-han-che-lai-suat-dau-vao-tang-cac-ngan-hang-se-bi-anh-huong-the-nao-20220615231102226.chn Theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, \u0111\u1ebfn ng\u00e0y 9\/6\/2022, t\u00edn d\u1ee5ng t\u0103ng 8,15% so v\u1edbi cu\u1ed1i n\u0103m 2021, t\u0103ng 17,09% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2021, ph\u00f9 h\u1ee3p v\u1edbi di\u1ec5n bi\u1ebfn t\u00edch c\u1ef1c h\u01a1n c\u1ee7a n\u1ec1n kinh t\u1ebf. Tr\u01b0\u1edbc \u0111\u00f3, t\u00ednh \u0111\u1ebfn ng\u00e0y 27\/5, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng to\u00e0n h\u1ec7 th\u1ed1ng \u0111\u1ea1t 7,75% so v\u1edbi cu\u1ed1i n\u0103m…<\/p>\n","protected":false},"author":65,"featured_media":1113,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54,66,70,123,62,127],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/posts\/1112"}],"collection":[{"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/users\/65"}],"replies":[{"embeddable":true,"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/comments?post=1112"}],"version-history":[{"count":1,"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/posts\/1112\/revisions"}],"predecessor-version":[{"id":1114,"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/posts\/1112\/revisions\/1114"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/media\/1113"}],"wp:attachment":[{"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/media?parent=1112"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/categories?post=1112"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pertoo.com\/tcnh\/wp-json\/wp\/v2\/tags?post=1112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}