{"id":8160,"date":"2015-08-12T06:59:25","date_gmt":"2015-08-12T06:59:25","guid":{"rendered":"https:\/\/centax.dsoftware.vn\/?p=8160"},"modified":"2016-11-09T06:46:16","modified_gmt":"2016-11-09T06:46:16","slug":"tham-dinh-tai-chinh-du-an-trong-ngan-hang-thuong-mai","status":"publish","type":"post","link":"https:\/\/centax.dsoftware.vn\/?p=8160","title":{"rendered":"Th\u1ea9m \u0111\u1ecbnh t\u00e0i ch\u00ednh d\u1ef1 \u00e1n trong Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i"},"content":{"rendered":"

L\u01afU \u00dd<\/span><\/strong><\/span><\/p>\n

B\u1ea1n \u0111\u1ecdc k\u00e9o xu\u1ed1ng cu\u1ed1i b\u00e0i vi\u1ebft \u1ea5n v\u00e0o ph\u1ea7n t\u1ea3i files<\/span> \u0111\u1ec3 l\u01b0u gi\u1eef t\u1eadp tin v\u1ec1 m\u00e1y t\u00ednh c\u00e1 nh\u00e2n.
\n<\/span><\/strong><\/em><\/span>_____________________________________________<\/strong><\/span><\/p>\n

\"243-03\"<\/a>L\u1edcI N\u00d3I \u0110\u1ea6U<\/span><\/strong><\/span><\/p>\n

 <\/p>\n

Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u00a0l\u00e0 m\u1ed9t doanh nghi\u1ec7p \u0111\u1eb7c bi\u1ec7t, ho\u1ea1t \u0111\u1ed9ng v\u00e0 kinh doanh tr\u00ean l\u0129nh v\u1ef1c ti\u1ec1n t\u1ec7 v\u00e0 t\u00edn d\u1ee5ng, kh\u00f4ng tr\u1ef1c ti\u1ebfp s\u1ea3n xu\u1ea5t ra c\u1ee7a c\u1ea3i v\u1eadt ch\u1ea5t nh\u01b0 c\u00e1c doanh nghi\u1ec7p thu\u1ed9c l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t – kinh doanh nh\u01b0ng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t, l\u01b0u th\u00f4ng v\u00e0 ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m x\u00e3 h\u1ed9i b\u1eb1ng c\u00e1ch cung \u1ee9ng v\u1ed1n t\u00edn d\u1ee5ng, v\u1ed1n \u0111\u1ea7u t\u01b0 cho c\u00e1c doanh nghi\u1ec7p, t\u1ed5 ch\u1ee9c kinh t\u1ebf m\u1edf r\u1ed9ng kinh doanh, g\u00f3p ph\u1ea7n t\u0103ng nhanh t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n kinh t\u1ebf.<\/span><\/p>\n

Theo \u0111\u1ecbnh ngh\u0129a \u1edf Vi\u1ec7t Nam, ph\u00e1p l\u1ec7nh Ng\u00e2n h\u00e0ng, HTX t\u00edn d\u1ee5ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh ng\u00e0y 24\/05\/1990 (\u0110i\u1ec1u I, Kho\u1ea3n 1): “Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i\u00a0 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c kinh doanh ti\u1ec1n t\u1ec7 m\u00e0 ho\u1ea1t \u0111\u1ed9ng ch\u1ee7 y\u1ebfu v\u00e0 th\u01b0\u1eddng xuy\u00ean l\u00e0 nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch d\u01b0\u1edbi nh\u1eefng h\u00ecnh th\u1ee9c kh\u00e1c nhau v\u1edbi tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 v\u00e0 s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 \u0111\u1ec3 cho vay, \u0111\u1ec3 chi\u1ebft kh\u1ea5u v\u00e0\u00a0 \u0111\u1ec3 l\u00e0m ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n”. <\/em>Nh\u01b0 v\u1eady, NHTM s\u1ebd ti\u1ebfn h\u00e0nh ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng nh\u1eefng ngu\u1ed3n v\u1ed1n t\u1ea1m th\u1eddi nh\u00e0n r\u1ed7i c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c c\u00e1 nh\u00e2n chuy\u1ec3n \u0111\u1ebfn nh\u1eefng ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u v\u1ec1 v\u1ed1n cho \u0111\u1ea7u t\u01b0 s\u1ea3n xu\u1ea5t. Hay Ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t doanh nghi\u1ec7p cung c\u1ea5p d\u1ecbch v\u1ee5 cho c\u00f4ng ch\u00fang v\u00e0 doanh nghi\u1ec7p. Th\u00e0nh c\u00f4ng c\u1ee7a Ng\u00e2n h\u00e0ng ph\u1ee5 thu\u1ed9c v\u00e0o n\u0103ng l\u1ef1c x\u00e1c \u0111\u1ecbnh c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh m\u00e0 x\u00e3 h\u1ed9i c\u00f3 nhu c\u1ea7u, th\u1ef1c hi\u1ec7n c\u00e1c d\u1ecbch v\u1ee5 \u0111\u00f3 m\u1ed9t c\u00e1ch c\u00f3 hi\u1ec7u qu\u1ea3. C\u00e1c NHTM ng\u00e0y nay cung c\u1ea5p r\u1ea5t nhi\u1ec1u c\u00e1c lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c nhau, bao g\u1ed3m c\u00e1c ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p d\u1ecbch v\u1ee5 mang t\u00ednh ch\u1ea5t truy\u1ec1n th\u1ed1ng (d\u1ecbch v\u1ee5 trao \u0111\u1ed5i ti\u1ec1n t\u1ec7, cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 u\u1ef7 th\u00e1c,\u2026), v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 m\u1edbi (cho vay ti\u00eau d\u00f9ng, t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh, qu\u1ea3n l\u00fd ti\u1ec1n m\u1eb7t,\u2026). C\u00f3 th\u1ec3 xem x\u00e9t s\u01a1 qua v\u1ec1 m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng c\u01a1 b\u1ea3n c\u1ee7a m\u1ed9t NHTM<\/span><\/p>\n

Huy \u0111\u1ed9ng v\u1ed1n l\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u1ea1o v\u1ed1n cho Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, n\u00f3 \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng, \u1ea3nh h\u01b0\u1edfng t\u1edbi ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/span><\/p>\n

Ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a m\u1ed9t Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i bao g\u1ed3m: Nh\u1eadn ti\u1ec1n g\u1eedi, ph\u00e1t h\u00e0nh c\u00e1c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 ra c\u00f4ng ch\u00fang, vay t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c, t\u1ef1 t\u00e0i tr\u1ee3 b\u1eb1ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a ng\u00e2n h\u00e0ng.<\/em><\/span><\/p>\n

Tuy nhi\u00ean, d\u01b0\u1edbi b\u1ea5t k\u1ef3 h\u00ecnh th\u1ee9c huy \u0111\u1ed9ng n\u00e0o th\u00ec Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u ph\u1ea3i tr\u1ea3 m\u1ed9t ch\u00ed ph\u00ed nh\u1ea5t \u0111\u1ecbnh, \u0111\u00f3 l\u00e0 ch\u00ed ph\u00ed huy \u0111\u1ed9ng v\u1ed1n hay c\u00f2n g\u1ecdi l\u00e0 chi ph\u00ed \u0111\u1ea7u v\u00e0o c\u1ee7a ng\u00e2n h\u00e0ng. C\u00e1c chi ph\u00ed n\u00e0y \u0111\u01b0\u1ee3c b\u00f9 \u0111\u1eafp th\u00f4ng qua vi\u1ec7c cho vay v\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee7a ng\u00e2n h\u00e0ng.<\/span><\/p>\n

N\u1ed9i dung c\u1ee7a b\u00e0i g\u1ed3m 3 ch\u01b0\u01a1ng: <\/span><\/p>\n

Ch\u01b0\u01a1ng I: Th\u1ea9m \u0111\u1ecbnh t\u00e0i ch\u00ednh d\u1ef1 \u00e1n trong Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i – Nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u01a1 b\u1ea3n.<\/span><\/em><\/p>\n

Ch\u01b0\u01a1ng II: Th\u1ef1c tr\u1ea1ng ch\u1ea5t l\u01b0\u1ee3ng th\u1ea9m \u0111\u1ecbnh t\u00e0i ch\u00ednh d\u1ef1 \u00e1n trong ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a Ng\u00e2n h\u00e0ng Ngo\u1ea1i Th\u01b0\u01a1ng Vi\u1ec7t Nam.<\/span><\/em><\/p>\n

Ch\u01b0\u01a1ng III: Gi\u1ea3i ph\u00e1p n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng th\u1ea9m \u0111\u1ecbnh t\u00e0i ch\u00ednh d\u1ef1 \u00e1n trong ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a Ng\u00e2n h\u00e0ng Ngo\u1ea1i Th\u01b0\u01a1ng Vi\u1ec7t Nam.<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

K\u1ebf to\u00e1n Centax xin chia s\u1ebb b\u00e0i lu\u1eadn v\u0103n chuy\u00ean \u0111\u1ec1: Th\u1ea9m \u0111\u1ecbnh t\u00e0i ch\u00ednh d\u1ef1 \u00e1n trong Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i<\/p>\n","protected":false},"author":7,"featured_media":9072,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"tags":[992],"_links":{"self":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/posts\/8160"}],"collection":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8160"}],"version-history":[{"count":0,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/posts\/8160\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/media\/9072"}],"wp:attachment":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8160"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}