Thực trạng phát triển hoạt động bảo hiểm tiền gửi tại Việt Nam hiện nay.pdf

THirC TRANG P H A T TRIEN HOAT DONG BAO HIEM TIEN GUt TAI VIET NAM H I £ N NAY Nguyen ThiHitctngLan* Nguyin Thi Thu Trang** TOM TAT Trdi qua 15 ndm hogt dong, bdo hiem tien gid Viet Nam (BHTG) da chimg minh duac vai trd ciia minh viec bdo ve nguai giH tien vd ddm bdo an sinh xd koi Tuy nhien, truac boi cdnh doi mai mgnh me ciia he thong tdi chinh - ngdn hdng, nhiiu quy dink phdp lugt dieu chink bdo kiem tien gui a Vi^t Nam Ididng pkii hop vd cdn co su hodn tkien, dgc biet cdc vdn de ve hgn muc chi trd, phi bdo kiem, doi tuang tkam gia cko den nhimg bdt cgp hogt dong nghiep vu cua BHTG Bdi viit tap trung vdo phdn tich, ddnh gid thuc trgng hogt dong pkdt trien BHTG d Viet Nam vd nkimg nguyen nhdn ddn den yeu Icem kogt dong bdo hiem tien giri a Viet Nam Bao hilm tien giri va phat triln hojt dong bao hilm tien giri Bao hilm tiln gui (BHTG) dugc hieu la cam Icit cong Ichai cua t6 chiic BHTG d6i vcri tl chiic tham gia BHTG vl viec to chiic BHTG se tra tiln gui cho nguai gui tiln Ichi tl chiic tham gia BHTG b) ch&n diit ho?t dpng va Ichong co Icha nang toan cho nguoi gui tiln BHTG luon tin tai mli quan he ba ben: Chu thi BHTG (ngucri giri tiln); Chu thi tham gia BHTG; Chu thi dugc chi tra BHTG (tl chiic BHTG) Trong do, chu the tham gia BHTG la cac t l chiic tin dung (TCTD) nhu ngan hang thucmg mai, TCTD phi ngan hang, Quy tin dung nhan dan, to chiic tai chinh vi mo , c6 hoat dong nhan tien gui ' vi " Thgc sT, Khoa Tii chlnh Ngan h^g, Tru6ng Dgi hpc Dgi Nam cila Idiach hang, phai dong phi cho td chiic BHTG Trudng hgp neu TCTD gap phai rui ro dan den v5 hoac pha san thi to chiic BHTG bli hoan cho chu thi nhan tiln gui tai t l chiic tham gia BHTG theo quy dinh cua phap luat Hoat d6ng BHTG co nhieu vai tro quan trgng nhu: Bao ve nguoi giii tiSn, nang cao nilm tin ciia cong chiing doi vol he thong tai chinh - n g ^ hang; Thiic dly huy dpng tien gui tai cac TCTD dugc tSng trucmg on dinh; Gop ph§m dam bao su phat triSn an toan, lanh manh cua he thing ngan hang; Gop ph&i xu iy khiing hoang tai chinh - n g ^ hang Thirc trying phat triln hoat dong bao hiem tien giri Vi^t Nam hifn a Mo hinh li chUc BHTGVN va chinh sdch BHTGVN vi mo hinh tS chuc BHTGVN: Tfp chi nghiin curu CHAU PHI & TRUNG DONG sl 06 (118) thing 6/2015 47 Thut trang phat trien hoat dong Nguyen Thj Hu'dng Lan-Nguyen Thj Thu Trang Tren the gioi co ba mo hinh BHTG dang dan ca so va Quy tin dung nhan dan trung dugc ap dung la: Mo hinh chi tra (Pay uong, to churc tai chinh vi mo; Loai tien box); Mo hinh ehi tra voi quyen ban ma rong duge bao hiem la tien gui bSng dong ViSt (Pay-box with extended powers) va Mo hinh Nam; Han mue chi tra toi da cho moi khoan giam thieu nii ro (Risk minimiser) Mo hinh tien gui ciia moi ca nhan tai mgt to chuc to chiec hien cua BHTGVN la mo hinh tham gia BHTG la 50 trieu dong (bao gom chi trd vai quyen hgn ma rgng Do la mo ca g6e va lai); Phi BHTG 0,15% tren t6ng s6 hinh ma t6 chiJC BHTG ngoai ehue nang chi du tien gui thupc doi tuprng bao hiem (t6 tra don thuan dugc trao them mpt so chiic tham gia BHTG phai dong) quyen han nhu: ho trg tai chinh cho to chuc b Thu'C trang hoat dpng nghidp vu cua tham gia BHTG gap kho khan BHTG Viet Nam toan, theo dfii va khuyen nghi su can trgng (I) Hogt dgng cdp gidy chimg nhdn vd va phong tranh nii ro doi voi cae to chuc tham gia BHTG, tham gia xir Iy ng va thu qudn ly TCTD tham gia BHTG h6i ng d6i vai to chuc tham gia BHTG bi Viec cap chiing nhan BHTG khlng dinh pha san vai tro cua BHTGVN viee thyc hien nhiem vu bao v^ nguai giii tien, nang cao vi chinh sdch BHTGVN: niem tin eong ehiing vao h§ thSng tai chinh Theo Luat BHTG nam 2012, npi dung ca qu6c gia Chiing nhan BHTG la kenh thong ban cua chinh sach BHTGVN bao gom: Ca tin chinh thiic ve chinh sach BHTG d€n vdi che tham gia BHTG la ca che bit bupc; D6i nguoi giri tien Do do, viee cap va thu h^i tugng tham gia la cac TCTD bao gom: Ngan chiing nhan BHTG da dugc BHTGVN hign hang (trii ngan hang chinh sach), chi nhanh khai nghiem tiie cung voi sy gia tang cua cac ngan hang nuae ngoai, Quy tin dung nhan to chiic tham gia BHTG Hinh 1: So lirgng to chiJC tham gia BHTG giai doan 2000-2013 1400 1200 li> t iJ2 ,,,7 1172 1202 1026 9S-I 9-0 961 969 M O 1024 ' 1000 800 600 400 200 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013N3m Nguon: Bdo hiem tiin giri Viet Nam Trong giai doan 2011-2013, tinh hinh c§p va thu hoi giiy chung nhan BHTG c6 su bien dpng khong d6ng deu giira cac nam S6 48 chung nhan cip moi, cip lai, d p b6 sung nam iin lugt la 810; 3.146 va 433 chung nhan S6 lugng cip mdi va thu h6i Tgp chi nghien cuu CHAU PHI & TRUNG DONG so 06 (118) thang 6/2015 Thu'C trang phat trien hoat dong Nguyen Thj Hifcfng t-an-Nguyen Thj Thu Trang nam 2012 co tang dpt biln so vod nam 2011 theo quy dinh moi BHTGVN se in va giri truoc nam 2012, BHTGVN chi in "Chiing toan bg din tCmg phong giao dich cua ngan nhan BHTG" cho cac chi nhanh d p 1, ciia hang, vay sl lucmg tang len dot biln cac TCTD tham gia BHTG Tir nam 2012, ,, a , a- > u- vu-rr(2) Hogt dong thu phi BHTG Bang I: Tinh hinh thu phi BHTG giai doan 2011-2013 Chi tieu I So to churc tham gia BHTG phai nop phi DVT To chiic Tong phi thu dugc Nam 2012 so v«2011 +/33 2,7 Nam 2013 so v6i 2012 +/(0,24) (3) Nam Nam Nam 2013 1.202 i 1.235 1.232 2.057 2500 430,3 26,45 443 21,54 0,4 36,36 0,5 33,33 1.626,7 % % dong Tone so du tien giil dugc bao hiem Tri^u ty ding 1,1 1,5 Nguon: Bdo hiem tien giri Viit Nam BHTG thyc hi?n thu phi bao hiSm theo quy djnh (ap dung miic phi d6ng hang 0,15%/s6 du ti^n giii bao hi^m) d6 tao lap quy du phdng tai ehinh, b6 sung vao ngu6n v6n boat dpng, dung d^ ehi tra eho nguoi giii tien to chiie tham gia BHTG bi chim diit hogt dgng Bang tren eho thay giai doan 20112013, so phi thu dugc tir to chiic tham gia BHTG CO xu huang t5ng nhung voi toe dp ch|im Iai Mae dii tong so du tien giii dugc bao hiem tang nam 2012, 2013 vdi t6c 36,36 % va 33,33% nhung t6ng phi thu dugc lai tang o miic thSp hon, tuong iing la 26,45 % va 21,54% B\hi cho thiy, BHTGVN can no Iyc ban nfta vi^c thu phi day dii theo quy dinh d^ t£io l^p quy dy trii tai chinh dap iing tiic thi cho viec xu ly cac don vi yeu kem giai doan ciing c6, thuc hien chinh sach tai chinh quoc gia giai doan mcd (3) Hogt dgng gidm sdt tic xa Bang 2: St lir^mg c^c ngSn hang thmmg mai bi canh bao giai do^n 2011-2013 Nam 2011 Nam 2012 Nim 2013 I Tong so cac ngSn h^ng bi canh bao 32 43 34 11 So Iir9lig ngan h^Dg vi pham tirng chi tieu 59 70 60 Chenh lech thu nh|p- chi phi 40% 1 STT Chi tieu Nguon: Bdo hiem tien gdi Viit Nam Tgp chi nghiin ed'u CHAU PHI & TRUNG DONG SO 06 (118) thang 6/2015 Nguyen Thj Hi/dng Lan-Nguyen Thj Thu Trang BHTGVN da thyc hien giam sat djnh ky d6i voi 100% t6 chiic tham gia BHTG qua cac nam Trong nam 2011 thuc hien giam sat 92 ngan hang thuang mai, 11 TCTD phi ngan hang, 1.098 Quy tin dung nhan dan eo so va Quy tin dung nhan dan trung uang Den nam 2013, s6 ngan hang thuong mai dugc giam sat chi 89 ngan hang (do co mpt s6 ngan hang sap nhap) va 1.142 Quy tin dung nhan dan co so va Quy tin dung nhan dan trung uang Cong tae giam sat ciia BHTGVN bao g6m hai ngi dung: Gidm sdt viec chdp hdnh cdc quy dinh vi BHTG: (Giam sat thyc hi?n chl dp thdng tin bao eao va nop phi BHTG) va Gidm sdt tinh hinh hogt dgng cda cdc to chirc tham gia BHTG Thifc trang phat tnen hoat dgng thap, thj trudng bat dgng san dong bang, chiing khoan sut giam, ng xau tang nhanh, lai suat van cao hon so voi kha nang sinh Igi Clia doanh nghi?p Do do, cac chi tieu an toan ve boat dpng rat nhieu ngan hang khdng dat dugc Sang den nam 2013 nen kinh t6 ed dau hieu tich cue ban, sd lugng ngdn hang vi pham da giam di dang ke (4) Hogt dgng kiim tra tgi cho Thdng qua boat ddng kiem tra tai chd, BHTGVN danh gia dugc tinh hinh thyc hien cac quy dinh ve phap luat BHTG, phat hifn nhiing tdn tai, vi pham ciia td chiic tham gia BHTG dS kiSn nghj xii Iy kip thai Hoat dpng kiem tra tai chd bao gdm hai ndi dung.' Kiim tra ve viec vi phgm nop phi BHTG vd Kiem tra vi phgm cdc hogt dgng khdc cua BHTG (hd so phap ly, viec niem ydt chiing nh|ln BHTG, viec chip h^nh thdng tin bao cao ) Qua nghien ciiu co the thay nam 2012 la nSm kho khan cua nen kinh te nude n6i chung va cua toan he th6ng ngSn hang n6i rieng Niem tin thj trucmg vin eon a miic Hinh 2: Tinh hinh vi pham v^ phi BHTG ciia NHTM qua kilm tra true tiep giai doan 2011-2013 Bffnv) QSarNHTMduVekiamtr • SoNHTMvlphfm Nguon: Bdo hiem tiin gui Viit Nam Qua nam nghien ciiu sd NHTM vi pham ve npp phi bao hilm tiln gui (nop thira va npp thieu) so vai s6 ng5n hang thuang mai duge kilm tra chilm ty h-png ldn tir 75-83% D§e biet nam 2011, sd ngan hang vi pham la m 25/30 ngan hang Qua kilm tra cho thiy, cdng tac tuyen truyin, quang ba v^ hudng din thye hidn vl ehinh sach bdo hilm tiln gui tir bao hilm tien giii Viet Nam chua dugc thirc hien t6t Tfp chi nghiin cihi CHAD PHI & TRUNG DONG SO 06 (118) th^ng 6/2015 Thu'C trang phat trien hoat dong , Ngoai ra, vi?c sd phi chenh lech nop thilu lan hon thu thira khiln cho quy BHTG bi that thoat khoan thu, khd dam bao an toan quy va bao ve ngudi giii tiln Nguyen nhan chinh dan den sai sdt cac don vi xac dinh cac loai tiln gui thuge ddi tugng bao hilm khdng ehinh xac (nhim lln tir khau nhap ma khach hang: tir ca nhan sang td chiic va ngugc lai) din din Ioai trir khdng tinh (nen tinh phi BHTG thilu) ho§c tinh thira (nen tinh phi BHTG thira) (5) Hogt dgng tiep nhgn, xu ly, chi trd tien gui duac bdo hiim Trong giai doan 2000-2013, BHTGVN da chi tra cho gan 1.800 ngudi gOri tiln tai 38 Quy tin dung nhan dan b; giai thd bit budc vdi sd tien la 23,321 ty ddng Dac biet nam 2013, BHTGVN da tiln hanh chi tra 4,9 ty dong cho 171 ngudi giii tidn tai Quy tin dung nhSn dan Tran Cao, Hung Yen va dang soat tra tien bao hidm cho 71 ngudi guri tien dam bao dung quy djnh phap luat Sd tiln chi tra bao hidm chua phai ldn nhung vide chi tra tien bao hiem cho ngudi gui tien da thyc sy gdp phan ciing co long tin cua cdng Nguyen Thj Hu'dng Lan-Nguyen Thj Thu Trang thdng ngan hang, nang cao dugc nhan thiic vl chiie nang nhidm vu ciia BHTGVN trudc edng chiing (6) Ho trgr tdi chinh Trudng hgp td ehiic tham gia BHTG co nguy CO mat kha nang chi tra nhung chua den miic dat tinh trang kiem soat dac bidt BHTGVN co thi hd \rg tai chinh dudi cac hinh thirc cho vay, bao I3nh, mua lai ng nhim giiip td chiic tham gia BHTG vugt qua kho khan, dn dinh hoat ddng Tinh din thang 12/2013 da co Quy tin dung nhan dan co sd dugc hd trg vdi tdng sd tidn gan ty ddng B6TL nSm quy da phuc hdi ho£it d^ng, khdng gay hoang mang cho ngudi gui tidn va hoan tra day dii sd tidn dugc vay hd trg eho BHTGVN Duy nhat hi?n tai chi cdn Quy tin dung nhan dan Phuang Tli, Ha Ndi dang qua trinh phuc hdi boat d^ng va chi tra dinh ky cho BHTGVN Trong nam 2013, bdo hilm tidn giii Viet Nam da thu hdi ng luy ke tir khoan cho vay hd trg ddi vdi Qiiy tin dung nhan dan Phuong Tii la 340 trifu ddng trdn sd tidn vay la ty ddng chiing vao sy dn djnh va phat tridn ciia he Bang 3: So don vi dirge hd tro- tai chinh giai doan 2000-2013 TT Nam Ten Qiiy tin dung nhan dan 2005 QTDND Lgc Som- LSm Dong 2006 QTDND Cao Su- Tay Ninh 2007 So tien ho trff(ty dong) Tinh trang 2,6 Da thu hoi het, hoat dgng binh thuang 1,013 D§ thu hoi hit, hoat dOng binh thucmg QTDNH Duong Lilu- Hi Tay 1,5 Da thu h6i het, hoat dgng binh thuong 2008 QTDND Quy Son- Bic Giang 0,832 Da thu hoi het, hoat dgng binh thuang 2009 QTDND Phuang Tu- Ha Npi Tong CQng Dang thu hoi 6,932 Ngudn: Bdo hiem tien giri Viit Nam Tgp chi nghien cuu CHAU PHI & TRUNG BONG SO 06 (118) thang 6/2015 iii Nguyin Tbi Hu'dng Lan-Nguyen Thj Thu Trang Thu'C trang phat Wen hoat dgng manh de bao ve ngucri gui tign trudng Sau gSn 15 nam hoat dong, bp may hoat hpp to chiic tham gia BHTG bi v& dong truySn thong cua BHTGVN da mang Thu ba, boat dpng nghiep vy BHTG co tinh bai ban va chuyen nghiep Hoat dpng ban dap iing dupc nhiem vu de ra: Cap va thong tin tuyen truyen nhan manh thu hdi chiing nhan bao hiem ddi vdi cac td vai tro ciia BHTGVN d5i voi nguoi giii tiSn, chiic tham gia BHTG dSy du v4 kip thdi; tri su phat triSn an toan lanh manh ciia Tong so phi thu dupc cang tang; Cdng h§ thong ngan hang dupc phan anh qua viec tac giam sat tit xa va kiSm tra true tiSp dupc phat hanh tap chi "Thong tin BHTG", t6 thuc hien thudng xuyen, lien tuc; Thuc hifn chiic cupc thi "Tim hiSu vi BHTG va hoat chi tra kip thdi cho ngudi giii tien dam bap dpng cua BHTG"; cac talkshow tren "Ban tran an ngudi gui tien, khdng de xay tinh tin tai chinh" ctia Dai truySn hinh Viet Nam, trang nit tien hang loat; Hpat ddng hd trp tai "Dien dan kinh te" cua Dai phat va chinh dupc thuc hien tren ca sd than trpng truyen hinh Ha Npi diing ddi tupng; Hoat dpng thdng tin tuyen truyen dupc thuc hien da dang hda nhim Danh gia vifc phat trien hoat dong nang cao hieu biet ve vai tro bao ve ngudi BHTG t^i Vift Nam thoi gian qua giri tiSn cua BHTGVN 3.1 Ket qud dgt dirac Jliu ttr, he thdng cdng nghe thdng tin timg Thic nhdt, ca so phap ly cao nhat ve budc dupc chu trpng dau tu, timg budc dap BHTG da dupc ban hanh (Luat BHTG nam ling dupc yeu ciu co ban vi quan ly cung 2012) Cac van ban dudi luat dang dupc nhu muc tieu phat trien cua BHTGVN hoan thi$n timg bupc n§ng cao hoat dpng 3.2 NhOng tdn tgi Clia t6 chiic BHTGVN Thu nhdt, thieu co sd phap ly hudng din Thu hai, nang Iyc tai chinh cua BHTGVN timg bupc dupc t3ng cuong d6 dam nhiem chi ti^t Nghi dinh 68/ND-CP giup BHTGVN cac nghiep vu ma BHTGVN da dupc giao thuc hien tot nhiem vu dupc giap d cac Quy du trii tai chinh cua BHTGVN thai gian nghiep vu cu thi (7) Hogt dong thong tin tuyen tmyen qua CP xu huong tJng trudng, thu nhap tir hoat dpng dau tu tai chinh va thu phi BHTG tSng dSu qua cac n5m, tich luy dupc cac ngu6n luc du dap ling yeu chu dam bao an toan h? th6ng cac TCTD Dam bao can d6i thu - chi tai chinh, khpng sii dung phi BHTG vao chi hpat dpng Sau 13 n5m boat dpng tong ngu6n v6n ciia BHTGV da len tdi gin 20.000 ty ddng, gop ph&l giiip BHTGVN co tiSm luc tai chinh Thli hai, nang lire tai chmh chua tupng xiing vdi chirc nang nhigm vu cua BHTGVN BHTGVN cip vdn tir ngan sdch nha nudc la 5.000 ty ddng va tdng ngudn vdn hien cua BHTGVN la 20.000 ty ddng nam 2013 khdng dam bao chi iri dupc cho ngudi giM tidn t?i TCTD cd quy mo trung binh (vdi tdng tai san 15.000 ty ddng) neu td chiic dd vd Thu ba, vi hoat ddng nghiep v\y Tgp chi nghien ciru CHAU PHI & TRUNG DONG SO 06 (118) thing 6/2015 Thtfc trang phat trien hoat ddng (1) Tich luy Quy BHTG thip tinh phi ddng hang: Tir nam 2000 ddn BHTGVN van thu phi theo miic "cao blng" Phi BHTG duge ap dung ddng hang 0,15% trdn tdng sd du tidn gui dugc bao hiem Viec xac dinh miic phi ridng biet ddi vdi tung td chuc tham gia BHTG da dugc quy dinh Luat BHTG nam 2012 nhung ehua dugc ap dung chua co van ban hudng dan Ngoai ty Id phi thap chua phii hgp vdi miic dO nii ro; vide tinh phi BHTG ciia cac td chiic tham gia BHTG cdn nhidu nhhm lan, dan ddn sy thua, thidu phi ddng theo quy dinh cua Luat BHTG Do dd, tich lily quy BHTG chua dap ung dugc yeu clu bao vd ngudi gui tidn giai doan hidn Nguyen Thi Htfdng Lan-Nguyen Thj Thu Trang cau (BB) Nghiep vu tidp nhan xir Iy nhat dugc tridn khai d Viet Nam la cho vay hd trg tai chinh va cung chi diing Iai d muc thi didm, chua xay dyng dugc quy trinh chuhn tSc cho hoat dgng nghidp vu Do do, so vdi thdng Id qudc te cilng nhu nhiem vu dugc giao, hoat dgng d Viet Nam mdi chi dung lai d miic so khai Khi cac TCTD dd vo, BHTGVN khdng CO su lya chgn nao khac dd xii Iy cac td chuc ngoai viec chi tra tidn gdi cho ngudi gui tidn va tham gia vao qua trinh ly tai san dd thu hdi vdn cho nha nudc Trong do, cdng tac ly cung gap nhidu khd khan vudng mac co che, che tai khdng hidu qua Ben canh do, che tai xu phat ddi vdi (4) Han miic chi tra tien bao hiem cdn TCTD tham gia BHTG nop cham phi chua that su nghidm minh, khien cho viec nop thap, chua tao duge niem tin vdi ngudi gui cham phi ciia cac TCTD lien tuc tiep dien tidn Han miic tra tidn bao hiem anh hudng true tiep tdi hanh vi ngudi giri tien Han miic qua cac nSm tra tidn bao hiem qua thap khd tri nidm (2) Cdng tac kiem tra, giam sat chi dimg tin Clia ngudi giii tidn va cd sy cd xay lgi d cac canh bao lidn quan ddn phi BHTG, thudng khd tranh khdi hien tugng nit tidn chua dua dugc canh bao lien quan ddn an toan hoat ddng he thdng ngan hang Kdt qua hang loat giam sat ciia BHTGVN mdi chi phan anh dugc bd ndi tinh hinh h^ thdng cac to chiic tham gia BHTG, chua phan tich, danh gia dugc toan didn boat ddng ciia cac td chuc tham gia BHTG ciing nhu chua danh gia duge tdng thd nii ro cua timg TCTD va toan he thong TCTD, l^p danh sach nhiing td chiic cd d4u hidu bat thudng, xdp hang eho tdng TCTD Hoat d0ng kidm tra tryc tidp chua cd kdt qua nhu mong dgi chd tai xii phat td chiic tham gia BHTG vi pham chua nghidm Miic chi tra BHTG hidn d miic thap (50 tridu ddng), khdng phii hgp vdi thu nhap binh quan dau ngudi ciia Viet Nam, din ddn hidu qua chinh sach BHTG cung khdng dugc nhu mong dgi, khdng thyc sy tran an dugc ngudi gdi tien Han muc duge ap dyng td n^m 2005, ddn nay, lam phat da dan den gia tri thyc cua han muc chi tra BHTG giam di nhieu, dd thu nhap binh qudn dau ngudi ciia Viet Nam da tang Idn dang kd GDP binh quan dau ngudi (3) Chua cd nghi?p vu xu ly hien dai nhu nam 2013 tinh bang USD theo ty gia thyc te Tiep nhan mua lai (P&A); Ngan hang bac dat 1.960 USD (so li^u tinh tai thdi didm Tgp chi nghiin ciru CHAU PHI & TRUNG DONG so 06 (118) thang 6/2015 53 Nguyen Thj HtfiJng Lan-Nguyen Thj Thu Trang Thtfc trang phat trien hoat dpng 31/12/2013), gap hon lan so vdi nam 2005 (645 USD) So vdi thd gidi, ban miic chi tra la thap (ban muc chi tra d My la 250.000 USD; Malaysia khoang 82.500 USD; Han Qudc khoang 44.000 USD ) Bdn canh dd ty Id "Han muc chi tra/GDP binh quan dau ngudi" da xudng thap dudi Ian', thap nhat khu vyc Ddng Nam A va thap hon ngudng tdi thidu theo khuydn nghi Hidp hgi BHTG qudc td lADl nii ro he thdng, BHTG khd tranh khdi nguy CO mat kha nang toan Dieu cho th4y vdi nang Iyc tai chinh hidn tai thi td chdc BHTG khd cd thd thyc hidn tdt nhiem vu dang va se phai ganh vac Vdn cua BHTG nhd Theo thdng kd sau 13 nam boat ddng, tdng vdn cua BHTG chi khoang 20.000 ty dong Trong do, sd lugng td chuc tham gia BHTG d nudc ta nam 2013 la 1.232 td chuc Vi vay, ndu xay Thd tu, cdng tac thdng tin tuyen truydn ve boat ddng BHTG cdn chua phong phii, da dang: an pham chua day du, chua phan nhdm ddi tugng cdng chiing de tuyen truydn Thii hai, co cau bd may td chdc dang qua h'inh cai tidn va chua thyc su hieu qua, ngudn nhan lye chua dap ung dugc ydu cau phat tridn Qua trinh tai cau tnic cua BHTGVN da dugc thye hidn d pham vi chi Mac dil Luat BHTG khdng quy dinh cu nhanh khu vyc va mgt phan tai try sd chinh the ban mdc chi tra tien bao hidm ma giao M^c du da dat dugc kdt qua budc dau, cho Thli tudng Chinh phii quy dinh theo de nhidn, bd may td chuc cua BHTGVN dugc nghj Clia NHNN timg thdi ky Den danh gia la chua van hanh thyc su hieu qua nay, han muc chi tra van dang qua Co che phdi hgp giira try sd chinh va chi nhanh mdt sd trudng hgp chua thuc sir trinh dugc NHNN nghien cuu, de xuat rd rang, gay cham tidn giai quydt cac sy (5) Hoat ddng thdng tin tuydn truydn chua viec cu the Ben canh do, chdc nang nhidm phat huy dugc hidu qua cao do mdc vu Clia mdt sd Phdng, Ban tai tru sd chinh hieu biet cua cdng chung ve BHTG han trung lap, mdt sd nghidp vu dugc chia chd Mac dil BHTGVN nhung nam nhd nhieu Phdng thyc hidn ndn tinh trach gan day da rat chii trgng cdng tac thdng tin nhidm khdng cao tuydn truyen, song hieu bidt cua cdng chung Thif ba, he thdng cdng nghd thdng tin vd boat ddng BHTG cdn nhieu ban che Mdt bd phan ldn la cdng chiing chua thyc su nam chua dap ung dugc ydu cau phat tridn bat dugc chinh sach BHTG va boat ddng cua Thdng tin du lieu cdn ngheo nan, chua xay dyng dugc he thdng thdng tin va cap nhat dQ BHTGVN lieu chuan myc hidn dai He thdng cac chi 3.3 Nguyen nhan chd quan tieu danh gia chuan myc chat lugng hoat Thic nhdt, nang lye tai chinh cdn ydu so dgng cac td chuc nhan tien gui khdng thdng vdi nhiem vu Tinh ddn 31/12/2013 Quy nhat, cd nhidu bidn ddng, gay khd khan cho BHTGVN trdn tdng sd du tidn gui la 1% (ty vide danh gia td chuc tham gia BHTG va I? dy trCr) Trdn the gidi, ty Id thudng la vide xay dyng chuan phan mdm phan tich, 2,5% -3% tdng hgp chi tidu danh gia 54 Tgp chi nghien cuu CHAU PHI & TRUNG DONG SO 06 (118) thang 6/2015 Nguyen Thj HtfOng Lan-Nguyen Thi Thu Trang Thu'C trang phat trien hoat ddng Thu nam, co sd ting phap Iy cdn ydu Co sd ting phap Iy didu chinh boat dgng BHTG cdn thidu va ydu, chua tuong xiing vdi chuc nang, nhidm vu Chinh phu giao cho BHTGVN va khdng phu hgp vdi thdng le qudc td vd BHTG Luat BHTG mdi dugc ban hanh nam 2012, tuc la sau td chdc BHTG di vao boat ddng chinh thuc 12 nam Cac van ban nhu thdng tu hirdng dan cu the vide thi hanh Luat BHTG va Nghj djnh 68/ND-CP van dang qua trinh soan thao va hoan thidn nham bao vd tdt nhlt quydn va lgi ich hgp phap cho ngudi guri tidn tai cac td chuc tham gia BHTG, gop phan tri long tin cua ngudi gui tidn ddi vdi he thdng tai chinh tidn td qudc gia va gdp phan tri dn dinh cua he thdng ngan hang Tuy nhien, trudc ydu cau phat tridn giai doan mdi, BHTGVN da bgc Id nhdng mat ban che vide thyc hidn chiic nang, nhifm vu chinh phu giao la bao vd tdt nhat ngudi gdi tidn va dam bao an toan tai chinh Trdn co sd phan tich nhimg tdn tai boat ddng BHTGVN thdi gian vda qua, ddng thdi chi dugc nhimg kdt qua dat dugc va nguydn nhan cua han chd, thdi gian tdi BHTGVN cln cd nhdng sy thay ddi toan dien hon nda trdn tat ca cac phuong dien, dac bidt la vide nang cao nang Iyc tai chinh va thay ddi md hinh hoat ddng theo xu hudng chung cua thd gidi (md hinh giam thidu nil ro) Cd nhu vay BHTGVN mdi dap ling dugc nhung ydu cau giai doan mdi, thyc sy la td chdc bao vd tdt nhlt cho KET LU^N ngudi gdi tidn va dam bao an toan tai chinh Trong 15 nam chinh thdc di vao ho^t qudc gia ddng, BHTGVN da di dung muc tieu dat Thic sdu, md hinh BHTG hien tai chua phii hgp vdi muc tidu chinh sach Md hinh td chuc hidn cua BHTGVN la md hinh chi tra vdi quydn han md rdng Md hinh phii hgp vdi giai doan dau mdi lap cua BHTGVN Cac nghi?p vu hd trg td chuc tham gia BHTG va tham gia quan ly, ly tai san cua td chuc tham gia BHTG bj pha san hlu nhu chua dugc phat sinh va trien khai Tai lieu tham khao BHTG Vi?t Nam (2009), Bdo cdo tdng kit 10 ndm hogt dgng vd phuang hu&ng phdt triin th&i gian t&i cua BHTGVN, Ha Npi Qu6c hpi (2012), Lugt BHTG so 06/2012/QH13 ban hanh 18/6/2012 lADI (2006), General Guidance to Promote Effective Interrelationships among Financial Safety Net Participants Tgp chi nghiin cuu CHAU PHI & TRUNG DONG so 06 (118) thfing 6/2015 ... BHTG phai nop phi DVT To chiic Tong phi thu dugc Nam 2012 so v«2011 +/33 2,7 Nam 2013 so v6i 2012 +/(0,24) (3) Nam Nam Nam 2013 1.202 i 1.235 1.232 2.057 2500 430,3 26,45 443 21,54 0,4 36,36 0,5... hoat dong Nguyen Thj Hifcfng t-an-Nguyen Thj Thu Trang nam 2012 co tang dpt biln so vod nam 2011 theo quy dinh moi BHTGVN se in va giri truoc nam 2012, BHTGVN chi in "Chiing toan bg din tCmg phong... tiin giri Viet Nam Trong giai doan 2011-2013, tinh hinh c§p va thu hoi giiy chung nhan BHTG c6 su bien dpng khong d6ng deu giira cac nam S6 48 chung nhan cip moi, cip lai, d p b6 sung nam iin lugt