Đa dạng hóa nghiệp vụ kinh doanh của ngân hàng thương mại trong tiến trình hội nhập quốc tế.PDF

DA DANQ HOA NGHIEP Vg KINH DOANH COA N Q A N H A N G THCTdNG MAI TROMG TIEN TRINH HOI NHAP QOOC TE Th.S: Tr^m XuSn Hifcfng Tru&ng Dai hoc Kinh teTP.HCM Hoi nbap qudc te dang la mot trao lUu , bieu hien xu hudng la'l yeu khach quan cua nen kinh te the gidi Cac nUdc sfn sang nhanh chdng hdi nbap mot tbi tnfdng loan cau nba'l, mac du xua'l phal diem cua mdi nUdc khac nhau, di chuycn vdi nbiJug tdc dp khac nhUng tat ca dcu bj loi cudn vao lien Irlnh hoi nhap NH la mot bd phan chu chdl cua nen kinh te , vl vay hoi nbap qudc te la dieu khdng the tranh khdi Mi^e dp md cifa hdi nbap cua NH difdc dinh lUdng bdi miJc dp lif hda lai chinh cua qudc gia, bing vi^c thao dd tifng budc cac rao can khdng can ihiet ddi vdi cdc nUdc khu vifc va the' gidi ddng ihdi phai hoan thien cdc san pham dich vu tai chinh - ngan hang Rgay cang phii hdp vdi ihdng le qudc te Viet Nam dang lien trlnh hdi nbap vdi khu vifc va the gidi dUdc danh dau bdi sif kien lich suf quan trpng, chinh phu Viet Nam da ky ke'l hiep djnb khung ve hdp tdc thifdng mai dich vu (AFTA) cua hiep dinh ASEAN 15/12/1995, Hiep dinh ihUdng mai Viel-My 13/12/2001, va dang chuan bi gia nbap vao WTO , de cd the dat difdc nbifng cam ke'l difa dac biet ITnb vifc hdi nbap NH, vdi 130 nbiTng thach thiJc va thdi cd dang chd ddi d phia tnfdc, van de da dang hda nghiep vu kinh doanh trd tbdnh van de song ddi vdi NHTM nifdc ta hien ThUc trqng He thong NHVN vifa chuyen sang cd che tbi tnfdng tif 1988 den da cd nhifng bifdc chuyen hifdng tich cifc theo chieu hifdng cang on dinh nhanh chdng trd kenh ddn nbap vd'n quan trpng hang dau va chu yeu Ben canh dd, NH cung cap nhiTng san pham tien ich cho nen kinh te, tinh den chiing ta da xay difng difdc mang lifdi NH cd mat khap ndi nifdc vdi nhieu loai hinh sd hiIu,De'n nam 2001,sau thdi gian ed cau lai he thong ngan hang thifdng mai sdt nbap va giai the mot so' ngan hang cd phan chiing ta cd dUdc ngan hang qudc doanh ,39 ngan hang cd phan ,4 ngan hang lien doanh va 26 ngan hang nifdc ngoai cd mat tai Viet Nam Ve cd cau ngan hang qudc doanh chie'm vi tri chu yeu nim giif 50% ngudn vd'n buy ddng ,55% thi phan tin dung ; Ngan hang cd phan nam giiT 29% thi phan ngudn von buy ddng , 27% thi phan tin dung ,trong dd cac ngan hang nude ngoai chi chiem 16% ngudn vd'n buy ddng nhifng lai n^m giif 23% thi phan tin dung De dtfng viTng mdi Uafdng canh tranh kha gay gat, ddi hdi cdc NHTM ludn cai tien nghiep vu kinh doanh, da dang hda san pham tiep can difdc nhu cau thi tnfdng Song, mot dieu khdng the phu nhan ndng life tai chinh cua cac NHVN yeu kem, cdng nghe NH lac hau, san pham NH ban che, chu yeu la cac san pham truyen thong, chifa day manh khai thac san pham mdi, thu nbap tif san pham tin dung chiem ty trpng kha cao 70-80% 131 s6 lUONG N C A N HANC TAI VI$T NAM Co cau von cua hf thong N H • 9% 12% 60^', ONHCP aNHOD Q N H L D & N H N N Q 132 Thifc trang ve tinh hinb phdt trien cac nghiep vu NH difdc bieu hien nhif sau: • Nghiep vu huydgng von: + Nhin chung: ngudn vd'n buy ddng cua NHTM khdng ngifng tang len ve so' lifdng, cac blnh thiJc buy ddng vd'n cang da dang: tien gdi loan, tien gdi khdng ky ban, tien gdi cd ky ban vdi nhieu loai ky ban thang, thang, thang, 12 thang, lanh lai dau ky, cudi ky boac tifng tbdng Phat hanh ky phie'u trai phie'u b^ng VND, boac USD.Dong thdi ke't hdp vdi xd so khen thifdng cd tang qua gia tri cao de thu hut khach hang Hau bet buy ddng cac khoan tien deu cd bao biem tien gdi nhim dam bao quyen Idi khdch hang va an loan cho NH Trong thdi gian gan day cac NH bd sung mot so' san pham mdi nhif tiet kiem tich luy ciia NH Sai gdn thifdng tin vdi nhieu hinh thtfc da dang nhif tiet kiem tich luy giao due, tich luy cho an sinh, tiet kiem tich luy tieu dung, tiet kiem tich luy phifdng tien van chuyen, tiet kiem tich luy du lich, tiet kiem tich luy dat, tiet kiem tich luy tich luy nha dat ; tiet kiem tich luy cua NH Dau tif Phdt trien NH cdng thifdng vdi hinh tbiJe tiet kiem dien tuT thifc chat day la hinh thiic md tai khoan tien gdi tiet kiem cd ky ban khach hang se difdc hudng miJc lai sua't hap dan de giao dich, ngoai cd the chuyen ddi de dang giifa cac hinh thiJc tien gdi khdng can suT dung sd tiet kiem ddng thdi cho phep ket hdp vdi chuyen tien tif ddng suf dung the ATM, the tbdng minb 133 Tiet kiem gdi gdp cua NH cd phan Sai gdn Qudc le Tinh Hinh Buy Ddng Von cua NHTM 1990 - 2001 Ndm S6 lUdng (ty d6ng) Ty Id tang so vdi nam irudc 1991 13.880 18% 1992 16.520 19% 1993 20.799 14% 1994 27.843 59% 1995 31.917 32% 1996 46.332 31% 1997 90.539 31.5% 1998 115.651 25% 1999 147.340 27.4% 2000 191.542 30% 2001 238.470 24.5% Nguon'.Tong hdp bao cao thudng nien cua Ngan hang nha nUdc + Tuy nhien he tbdng NH chifa that sif khai thdc hel tiem nang ve vdn nen kinh te, vdn huy ddng difdc chu yeu la ngudn vd'n ngin ban, nen chifa dap uTng day du nhu cau vd'n trung dai ban Chifa dam bao yeu to linh ddng cho ngUdi gdi lien, cu the gdi mot ndi khdng the nit difdc nhieu ndi, cho tha'y mang lifdi NH thieu sif nd'i ket hod nbap thong nhat, dd d cdc nUdc U-en the gidi dieu ndy da difdc dp dung vao thap nien 80, mot khdch bdng gdi tien vao mot NH cd quyen nil ba't ky NH nao nifdc boac ngoai nifdc ChUa gin lien giifa san pham huy ddng vdn vdi sin 134 pham loan, cdc sd tiet kiem chiJng chi lien gdi, cdc chiJug tif cd gia ban che' chuyen nhifdng todn lam giam di tinh khoan cua nd tren thi tnfdng, chifa tao difdc thdi quen chuyen nhifdng dan cif da anh hifdng khdng it den phat trien thi tnfdng tai chinh tbiJ ca'p d nifdc ta Cac NH vin thu ddng chd ddi khdch hang, chUa chu ddng td cbiJc quang ba sau rdng de ban cac san pham cua minh tren thi trUdng • Ve cho vay: + Hoat ddng cho vay cua NH dap u'ng difdc nhu cau vd'n cho nen kinh te' Cai tien cd cau tin dung theo hifdng tich cifc chu trpng tap trung vd'n tai trd cho nhifng nganh nghe then chd't trpng diem theo dinh hUdng phdt trien kinh te, nang dan ty le cho vay trung dai ban va cho vay ngoai qudc doanb,manh dan bd trd cho cac doanh nghiep vifa va nbd vdi nhieu blnh tbiJc cho vay kha phong phii nhif tin dung u'ng tru'dc,tai trd xua't nbap khau,cbie't kba'u,cho thue tai chinh ddng tai trd, bao lanh Cac NH da bat dau khai thdc mang lifdi tin dung ban le cho vay cac mdn nbd de md rdng tin dung va phan tan rui ro, mot so' blnh tbiJc tin dung mdi dUa da ngdy cang dap u'ng difdc'yeu cau thi tnfdng nhif : cho vay tieu diing, tin dung sinh vien , tin dung du lich, cho vay phdt hanh va loan the tin dung NH A chau, Sai gdn Thifdng tin md them san pham dich vu nha da't cho vay mua nha tra gdp, sufa chiTa nha Ngan bang Ky thifdng vdi chifdng trlnh mua nha, d td xin, cho vay dau tif chiJng khodn 135 Tinh Hinh dif ncf tin dung 1991-2001 Nam So lupng (ty dong) Ty le tang so vdi nam trudc 1991 10155 24% 1992 16.520 49% 1993 25.426 67% 1994 38.072 49% 1995 45.448 19.3% 1996 82.806 82%% 1997 104.326 1998 124.709 19.5% 1999 139.0016 11.4% 2000 173.770 25% 2001 213.902 23.1% 26% Ngudn: Tdng hc?p bao cao thudng nien cua NgSn hang nha nude 1991-2001 136 Ty 1? ncf qua han cua NHTM 1991 - 2001 Nam 1995 1996 1997 1998 Ty l# no 7.8% 9.3% 12.4% 12% 1999 2000 2001 2002' 13.2% 11.67% 9.1% qua h^n Ngutm: Tap chi ngan hang so chuyen irang 38 nam 2001, bao cao NHnha nUdc200I + Tuy nhien chat lifdng tin dung mot sd' NH cdn ban che, ty le nd qua ban khd cao theo tbdng le qudc te cac NH phai kiem soat nd qud ban khdng qud 5% Da so' cdc NH chifa chu trpng ky thuat phan tdn rui ro bang cdch da dang hda nghiep vu cho vay, tif 80%-90% tap trung vao tin dung i?ng tnfdc, cdn cho thue tai chinh, dong tdi trd,chiet kha'u rat ban che Thau chi cho mdi cho phep dp dung tuT 01/02/2002 ke tif cd hien life cua quyet 1627, nbifng thifc te vIn chifa dp dung ã NghiĐp vu d^u tuf: Hien cac NH d nifdc ta chi dijfng lai vdi nhifng hinh thufc ddn gian nhif gdp vd'n tbdnb lap ngan hang lien doanh, tham gia dau tif chu'ng khoan tren thi trtfdng tai chinh (chi mdi thifc hien nbifng nam gan day thi tnfdng chu'ng khoan Viet Nam ddi), ty le dau tif vao chu'ng khdan cua cdc NH cdn tha'p (chi tif 3%-5% dd d cdc nifdc tren the gidi ty le la tren 20%) 137 • Nghiep vu trung gian + Djch vu toan: Mac du thdi gian qua c6 nhieu cai tie'n,Nghi dinh 64/2001/ND-CP ve boat ddng loan qua cdc to chuTc dich vu loan da difdc Chinh phii ban hanh thay the cho Ngbi dinh 91/CP 25/11/1994 Trien khai hinh thuTc loan hien dai nhif the loan ciia NH Ngoai ThUdng NH Cdng Thifdng, NH Ndng Nghiep,NH A Chau, Eximbank, Sai gdn ThUdng tin Dae biet sau cdng viec ndi mang thi diem todn lien hang cua NH (Ngoai ThUdng, Dau TU, Ndng Nghiep, Cdng ThUdng, A Chau, Eximbank) b^t dau 2/5/2002, thifc hien mot khoan loan khdng qua 10 giay vd mdi vifa qua NH nha nUdc da chap thuan cho 20 ddn vi la chi nhanh cua 12 NH tham gia (3 NH cd phan gom; Ddng A , i^bUdng Ddng, Nam A; hai NH lien doanh gom: Indovina Chohung bank; bay NH nUdc ngoai gom: Bangkok bank, ABN-AMRO bank, China Trust Comercial bank, ANZ, Credit Agicole, indosuez, Chinfon Bank va Wooribank) Tinh den 2/12/2002 da cd 71 ddn vi tham gia, tifdng lai se ga'p nil chuan bi nd'i mang cho loan bp he thong NH ca nifdc Trong ITnh vifc van can nhieu no life de kh^c phuc ty le lien mat nen kinh te' kha cao khoang 40%, cdc cdc nifdc tren the gidi khoang 10 % Cdc blnh ihilfc todn bpc Id nhieu ban che, chu yeu Id siif dung uy nhicm chi chiem tren 80% - 90 % tren tong sd giao dich loan, hinh tbiJc uy nhiem thu va s6c dp dung khd 138 khi^m td'n, s^c tCf 7% nam 1995 giam xud'ng den 2001 chi cdn 2%-3% tren tong sd giao dich toan, cdn ihif tin dung nifdc gan nhif khdng suT dung Cdc quy dinh todn qua NH chu'a phij hdp, cdng chung Viet Nam hay cdn xa la vdi NH, thu tuc nfdm Dac biet cac chu'ng tif todn hau nhu* chifa chuyen nhifdng theo nbif tbdng le qud'c te ngoai trif sec theo ngbi dinh 30/CP 9/5/1996 cho phep difdc chuyen nhu'dng nbu'ng hau nhU' nbiTng ngifdi thu hifdng sec khdng thich chuyen nhifdng Cac chu'ng tif loan nu'dc chu'a la chiJng tif loan qudc te Ve the loan hien gom cd the tin dung qudc te, the todn vd the ATM la mot phifdng tien loan hien tai nhifng chu yeu cdc NH thifdng mai Idn thifc hien nhU NH Ngoai ThUdng, Exim Bank, NH A Chau thifc hien phdt hanh the tin dung qudc te Visa card Master card, cdn cdc NH Cdng Thifdng, NH Ndng Nghiep, NH Dau Tif phdt hanh the ATM va dai ly toan the tin dung qudc te'.Mdt so NH nhuf A Chau, Sai gdn Thu'dng Tin trien khai the todn ket hdp vdi he tbd'ng sieu thi, todn cifdc phi taxi phd' Ho Chi MInh.Tinb den cudi nam 2001 da phdt hanh khoang 10000 the chiem 0.012 % dan sd',ne'u so vdi iO% dan so' tbi cd thu nbap kha trd len thi ty le la 0.6% nhif vay thi tnfdng bd hdn 99% Cac dich vu NH hien dai phat trien khd nhanh nhUng nam gan day, dac biet la dich vu NH bdn le vdi nbu'ng u'ng dung cdng nghe tin hoc internet banking , home banking Tuy nhien cdc loai blnh tren chi mdi dijfng lai d rnHc dp tra ciJu cdc thong tin cd lien quan de'n tai khoan cua khach hang tai NH, vi^c trien khai todn qua may tinh khdch hang tai nha 139 bang hda tham gia tren thi tnfdng kha khiem td'n, tinh den cd 19 cd phie'u cua cdc cdng ty difdc niem ye't vdi tong vd'n dieu le la 878 ly dong, 10 cdng ty chu'ng khdan, 91 nbd dau tif cd td chuTc va 33 nha dau tif nu'dc ngoai gan 1200 tai khoan, hdn 8000 nha dau tif tham gia chiem chifa den 0.1% dan so' Tong so* so' tien dau tU vao chufng khdan cbi chie'm 0.3% GDP so vdi kha nang nhan rdi tien cua cdng chung khoang 6-8 ty USD chie'm 25% GDP Qua so' Heu tren chu'ng minh quy md thi tnfdng tai chinh ra't nbd d vao giai doan sd khai nen chifa thifc sif la ddng life thue day dich vu tai chinh phdt trien Cdc NH chi tbtfc hien mot so' nghiep vu ddn gian nbif: mdi gidi chu'ng khdan, bao lanh phdt hanh chu'ng khdan, quan ly chu'ng khdan Mpt so' chi tieu ve thi tri^oTng chiing khoan Viet Nam nam qua Thang7 2000 Thang 2002 S6' c6ng ly churng khoan 10 S(5 IU(?ng chUng khoan da(?c niSm y^t 19 S6' lU(?ng trai phie'u dU0c n\6rr\ y6't 141 Cac dich vu khac: Kinh doanh ngoai hdi da so cbi difng lai giao dich mua ban ngoai le \di khach hang nUdc cac loai nghiep vu nhif : spot, forward, swap giup cac ngan hang can dd'i ngoai te nh^m phuc vu cho todn xua't nbap khau Cdc nghiep vu kinh doanh ngoai bdi tren tbi tnfdng hdi doai qudc le chi dp dung mot sd' it NH nhif Vietcombank, Eximbank, A chau,Ddng A Tiiy theo dieu kien kinh doanh cua minh cdc NH khai thac them mot sd' san pham dac thij cua minh, md them mpt so' dich vu tif n ich nhi/: Quan ly vo'n tflp trung: danh cho khdch hang cd nhieu tai khoan boat ddng tren nhieu dja ban se du*dc quan ly ve mot tai khoan chinh tranh lang phi vdn va nang cao ndng life dieu hanh Dich vu dau tif tif dong: Tren cd sd thoa ihuan giCa ddi ben, sd' dtf tai khoan loan cua doanh nghiep vUdt mufc quy dinh, phan tien vu'dt se difdc tif ddng chuyen vao tai khoan dau lU vdi lai sual cao hdn va ngifdc lai va tif ddng se dUdc chuyen vai tai khoan todn doanh nghiep cd nhu cau rut vd'n U2 • % • Trd luang cho nhan vien cua cdc cdng ty , todn tien dien nude cho cd nhan • Dich vu Electronic Banking: Khach hang cd the truy cap tbdng tin 24/24 nhif la'y ty gid, bieu phi, lai sua't Kiem ira so' dif tai khoan, la'y so' phdt sinh la'y sd phu ke lai theo yeu cau, mang lai nbifng tien ich cho khdch bang la khdng phai den NH de giao djch, khdng bi le tbudc gid gia'c lam viec, kiem sodt difdc tbdng tin ttfc thdi • Dich vu ATM: diing de kiem tra so' dif tai kboan,rut tien mat 24/24, chi tra tien dien nifdc,dien thoai,cbuyen khoan he thong VCB • Ngoai ra, NH Phifdng Nam cd them san pham cho thue kho gdi hang dong thdi nhan cam cd' cdc bien lai gdi hang Mot so' san pham mdi nhif mdi gidi tien te, mua ban nd tren thi tnfdng nd, factoring, option, future vIn chifa thifc hien Qua thifc trang tren cho tha'y thdi gian vifa qua cdc NH cbii trpng den viec ddi mdi san pham de thu hiit khdch hang, ludn tuf the san sang vao cupc, nhung ddnh gid chung trlnh dp nghiep vu NH nifdc ta chi d miJc trung blnh so vdi cdc nifdc khu vifc van cdn nhieu bat 143 cap han che, NH chifa thifc sif la ngifdi ban dong hanh ciia cdng chiing • Nguyen nhan: * 144 • He tbdng phap luat cbifa hoan chinh dong bd va tbdng nhat, nhieu van ban cdn chdng cheo, cdn chiu sif can thiep qua sau cua NH Nha nifdc vao ddi sd'ng cua cdc NHTM chu'a tao dUdc mdi tnfdng kinh doanh lanh manh, blnh dang giifa cdc loai blnh NH • ChUa chu trpng xay difng chinh sdch khach hang hdp ly, thu ddng ngdi chd khach hang, cdng tdc marketing yeu kem • Quy md vd'n tif cd cua NH tha'p, cac NH qudc doanh ndm giiT 60% thi phan tin dung ca nUdc (NH Cdng thUdng, NH Dau Tif Phdt Trien, NH Ngoai ThUdng 1100 ly cdn NH Ndng Nghiep phdt trien ndng thdn 2270 ly) cdn NH cd phan vd'n dieu le ti^ 20 ty den 350 ty Ty le vdn tif c6 chiem lif 3%-4%/Tdng Ngudn vdn ciia NHTM d cdc nifdc tren the' gidi trung binh Id 8%-10% So vdi cac nifdc khu vifc, nhif Thdi Lan, Singapore, Han qudc vdn dieu le cua NH nifdc ta chi khoang ti^ 20-30% vdn dieu le ciia NH cdc nifdc Tiem life tai chinh nho khdng tifdng xiJng yeu cau tdc dp phdt Uien kinh te giai doan hdi nbap, long mij'c tin dung cung UTng cho n^n kinh te' chUa vifdt qud 35% GDP, d cdc nifdc khu vifc ty le phai tren 60% • Cdng nghe toan NH chu'a cd sif dau tif diing mufc dong bp va tbdng nhat, chu'a bien dai hda , cdc thao tdc cdn mang tinh-thu cdng chifa thifc sif tao difdc hap din vdi cdng chung • Ky nang quan tri ciia NH cdn yeu kem cdn mang nang tinh bao cap chu'a biet each khai nbiTng Idi the vd'n cd ciia minh ve cd sd vat cha't mang lifdi, ngudn nhan life • Thieu ban mot thi tnfdng tai chinh linh ddng, so' lifdng cdc dinh che tai chinh trung gian chie'm ty qua khiem td'n, hang hda tren tbi tnfdng cdn it chifa tao difdc siJc bat cho thi tnfdng • Thu nbap ciia ngifdi dan Viet Nam tha'p, chifa cd thdi quen giao dich vdi NH cdng vdi nbu'ng quy dinh todn cdn ru*dm nen cdng chiing e ngai den vdi NH • • Cdc bi^n phap da dang hda cdc nghiep vu NH tien trinh hgi nhqp: Trong tien trlnh bdi nbap ve phia Viet Nam phai thifc c hien day dii cdc cam ket Hiep dinh thifdng mai Viet- My, ve dich vu tai chinh ngan hdng chifdng III va 145 phu luc G va F nhin chung difdc the hien qua mot sd vd'n de cdban sau: • Cdc loai hinh dich vu tai chinh hoa ky dUdc phep kinh doanh tai VN: + Nhan lien gdi va cdc khoan chiing tiet kiem ti^ cdng + Cho vay cdc blnh thtfc bao gom tin dung lieu dung,tin dung the chap, bao tieu cdc giao dich ihUdng mai khac + Thue mua tai chinh + Tat ca cdc giao dich todn va chuyen lien bao gom cdc the tin dung gbi nd,bdo nd,sec du lich, vd hdi phieu NH + Bao lanh va cam ket + Mdi gidi lien te + Quan ly tai san nhif quan ly lien mat quan ly danh muc dau tif,mpi blnh ibifc quan ly dau tif tap the, quan ly hifu lri,cdc dich vu trdng coi bao quan l\i\x giif va liy thdc .»/ + Cdc dich vu loan vd quyet todn ddi vdi cdc tai san tai chinh bao gom cdc cbii'ng khdan cdc san pham tdi chinh phdt sinh vd cdc cdng cu todn khdc M6 + Cung cap tbdng tin tai chinh va xtT ly dif lieu tai chinh cdc phan mem ciia cdc nha cung cap cac dich vu tai chinh khdc + Tif trung gian mdi gidi vd cdc dich vu tai chinh phu trd khdc lien quan den den cac boat ddng neu tren,tif van va ngbien ciJu dau tif cdc danh muc dau tif, tif van ve thu dac,chie'n lUdc cdng ty + Budn ban cho tai khoan ciia minh hay cho tai khoan ciia khach hang tai sd giao dich chuTng khdan,tren thi IrUdng OTC bay tren cdc thi tnfdng khac vdi cdc san pham sau: Cac san pham tren thi tnfdng lien te ba gom sec hdi phie'u chuTng chi tien gdi ; ngoai bdi ; cdc san pham tai chinh phdt sinh, cac hdp dong giao djch Future, option ; cac cbii'ng kbddn cd the chuyen nhifdng difdc ; cac cdng cu cd the loan va tai san tai chinh khdc ke ca vang nen + Tham gia ke ca bao theo each cung cap 5'' hanhdd • vao viec phat hanh mpi chu'ng khdan, lanh phat hanh va chao ban nhif dai ly ( cdng khai boac tbda thuan rieng ) va cdc dich vu lien quan den viec phat Ve tii cdch phdp ly cua cdc to chtic tdi chinh Hoa ky hoat dQUg kinh doanh ngan hdng tai Viet Nam : + Chi nbdnb Ngan hang hoa ky tai Viet Nam 147 + Ngan hang lien doanh Viet nam -Hoa ky + Ngan hang 100% vdn Hoa ky + Cdng ty cho thue tdi chinh 100% vd'n hoa ky Cdc dinh che taichinh - tin dung tren cua Hoa ky phai tuan thu cdc quy dinh sau day boat ddng tai Viet Nam + Doi vdi chi nhdnh NH hoa ky phai cd vdn phap dinh NH me cap tdi thieu la 15 trieu USD va NH me cd van ban chiu mpi trdch nhiem boat ddng nhiing cam ke'l ciia cbi nhdnh tai Viet nam + Dd'i vdi NH lien doanh Viet Nam - Hoa Ky hay NH 100% vdn Hoa ky vdn dieu le tdi thieu 10 trieu USD + Ddi vdi cdng ty thue mua tai chinh 100% vdn hoa ky va cdng ty thue mua lai chinh lien doanh Viet Nam - Hoa Ky thi chu dau tUphaikih doanh lien tuc ndm phai cd lai, vd'n 4ieu le ddn vi tdi thieu la trieu USD • Ve Id trinh thUc hien cdc cam ket hi^p dinh: Cd cot mdc Id trinh trien khai thifc hien cdc dich vu tai chinh Hoa Ky tai Viet Nam: + Thur nha't: Trong vdng ndm ke tif hiep dinh c6 bieu life, blnh ibuTc phap ly nhat Id cdc nha cung cap dich 148 vu Hoa Ky cd the cung cap cdc dich vu tdi chinh tai Viet Nam vd lien doanh vdi cdc dd'i tdc tai Viet Nam sau nam.Sau dd ban che se difdc bai bd + Thif bai: Sau 9*nam ke tijf hiep dinh cd bieu li/c cdc NH hoa Ky difdc phep lap NH 100% vdn Hoa ky tai Viet Nam Trong thdi gian nam dd cdc NH Hoa Ky cd the lap NH lien doanh vdi Viet Nam dd phan gdp vd'n ciia Hoa ky khdng thap hdn 30% nhifng khdng vifdl qud 49% vd'n phdp dinh ciia lien doanh + Thvt ba: Trong vdng nam dau ke tif hiep dinh cd bieu lLfc,Viet Nam cd ban che quyen ciia mot chi nhdnh.NH Hoa Ky nhan lien gdi bang Viet nam ddng tif tif cdch phdp nhan Viet nam md NH khdng cd quan be tin dung theo miJc vd'n phdp dinh ciia chi nhanh phii hdp vdi bieu sau.Sau thdi gian dd cac cdc ban che se difdc bai bd Nam thu' I: 50% (Von phap dinh chuyen vao) Namthu'2: 100% Namtbur3:250% Nam tbiJ 4: 400% Namthii'5:600% Ndm tbi? 6: 700% Namtbur7:900% 149 ... xoa sach bdi virus hay h a c k e r Thanh toan quo''c te: Trong giai doan nen kinh te bao cap tnfdc day Vietcombank la NH nhal ddc quyen kinh doanh linh vifc Khi chuyen sang cd che tbi tnfdng cdc... nbap khau Cdc nghiep vu kinh doanh ngoai bdi tren tbi tnfdng hdi doai qudc le chi dp dung mot sd'' it NH nhif Vietcombank, Eximbank, A chau,Ddng A Tiiy theo dieu kien kinh doanh cua minh cdc NH... chiing ta cd dUdc ngan hang qudc doanh ,39 ngan hang cd phan ,4 ngan hang lien doanh va 26 ngan hang nifdc ngoai cd mat tai Viet Nam Ve cd cau ngan hang qudc doanh chie''m vi tri chu yeu nim giif