M ire vdn dieu le tdi tliieu 3.000 ddng V a giam ty' le so hiiu tdi da ddi v di ed ddng ca nlian va td chirc duge coi la bien plup manh tay ciia eo quan quan ly nha nude nliam sang [r]
(1)VAN OE HOM NAY
Tang von dieu le:
mpmp(iuan
Mire vdn dieu le tdi tliieu 3.000 ddng V a giam ty' le so hiiu tdi da ddi v di ed ddng ca nlian va td chirc duge coi la bien plup manh tay ciia eo quan quan ly nha nude nliam sang Ige iiliimg ca the yeu kem tiong he thdng ngan hang (NH)
Sau tang vdn tiianh edng van de thach thirc ddi vdi eae NH la su dung V dn thu duge nhu the nao cho hieu qua
Ngay 10/5/2010 vira qua, Ngan i hang Nha nude (NHNN) da cd van ban
yeu cau cac ngan liang thuang mai ed phan (NHTMCP) trinli ho so de nghi cMp thuan tang vdn tinide 30/6/2010
Kien quyet loc
Kien quyet hon so vdi lan tang vdn len 1.000 ty ttong nam 2008, tiong lin thue hien co quan quan ly nha nude cd the khdng cho cac NH them mdt ca hdi tri hoan nao nira Quy md vdn cimg viec kiem soat chat che quyen sd hiiu la nhiing bien phap manh tay nhim Igc he thdng ngan hang
Yen can trinli ke hoach tang vdn dat ap lue Idn len eae NHTMCP hien edn cd mire vdn dudi 3.000 ty ehi edn hon thang de chuan bi hoan tat cho mdt phuong an kha thi Tang bao nhieu vdn? Huy ddng tir ngudn nao? Phuong an sir dung vdn sau tang? Lam dam bao Igi nhuan va Igi tire cho cd ddng? Cai thien nang luc quan tri bang each nao? Dd la nhirng can hdi Idn lam dau dau cac TCTD
Dieu dang ndi \a sd lugng NH chua du dieu kien ve vdn hien cdn kha nhieu Vien Nghien cim Thi tradng gia ca - Bd Tai chinh cho biet, tinh den tiiang 3/2010, VN ed 39 NHTMCP, tiong dd, mdi ehi cd 9/39 cd vdn dieu le tien 3.000 ty ddng Con Igi, ed 21/39 ngan liang dudi 2.000 ty dong; 9/39 NH cd vdn nim ttong khoang 2.000 - 3.000 ty dong
Cir lam mdt phep tinh don gian, gia sir trung hinh von dieu le eua nhdm NH ed vdn dieu le dudi 2.000 ty ddng la 1.500 ty ddng va eua nhdm NH ttong khoang 2.000 - 3.000 ty ddng trung binh la 2.500 ty ddng tlii tong sd vdn tdi thieu can duac huy ddng se la 36.000 ty ddng, tirong duong vdi khoang 20% tdng gia tri vdn dieu le cua san niem yet hien
Trong bdi canh eae NH tang vdn ddng loat dudi sire ep dam bao dimg quy dinh tim kiem co hdi tang vdn la thach thirc Idn ddi vdi tiing TCTD Da phan NH deu chon giai phap phat hanh them cd phieu cho cac cd ddng hien hiru va can bd nhan vien dugc cho la phuong an klia thi hon ca Ngoai ra,
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au 001 odi nm han^
sd it nhd nang luc hoat ddng nhay ben da chao mdi va thu hiit duge su tham gia eua cac ddi tac eliien luge nude ngoai nhu
OCB va Soudiem Bank hay VIB Mdt sd NH niem yet tien san giao dich nhu MB, HabuBank, NH Hang Hai Tuy nhiea kenh huy ddng thudng ehi phat huy hieu qua ddi vdi cae NH ed tinh dai chiing cao Han nira, viec phat hanh tien san niem yet ttong thdi gian tdi eiing se gap khdng it canh ttanh cac "dai gia" eua nganh NH nliu VietinBank, SacomBank hay ACB ciing dang cd ke hoach tang manh von dieu le them 1.500 - 2.000 ty ddng qua kenh NgoM ra, Idng tin vao ed phieu NH thdi gian gan day ed nhieu giam siit, dd, gia khdng edn cao nhu trade
Su-thay doi Ion
Them vao nhirng ap luc tiong viec tim ngudn keu goi vdn, quy dinh chat che hon ve quyen sd hiru co phan ttong cac TCTD cd the that them cho nhirng khd khan ma cac NHTMCP dang phai ddi mat Gan day, Du thao siia ddi Luat cac TCTD da de xuat giam ty le sd hiru tdi da eua cd ddng ca nhan va to chire xudng mire tuong img la 5% va 15% thay vi mire 10% va 20% dang ap dung Ty le giup lam giam quyen ehi phdi va kiem soat ciia mgt sd it ed ddng quy md von tang len 3.000 ty Tuy nhien, nd lai khien cho co hdi ve huy dgng von tii cae cd ddng Idn cua cae NH nhd ciing ttd nen hep hon Sau tang von cdng, vdn de thach thirc doi vdi eae NH la sti dimg vdn thu duge nhu the nao cho hieu qua, dam bao Igi ich ed ddng van duge tri DN san xuat kinh doanh, thi tradng bat dgng san va thi tradng chimg khoan se la nhirng kenh hap thu chinh eua ngudn vdn Ddng tien se chay vao dau va hieu qua dau tu eua timg thi tradng nhu the nao? Dd la bai toan cua nhirng thang cudi nam 2010 va cua nam 2011
Ddi vdi nhung NH khdng the nang du vdn dieu le, viec huge chim dirt tu each phap nhan dugc danh gia la bien phap manh tay doi vdi nhieu NH, nhiing don vi ed quy md nhd nhung hoat dgng hieu qua Thay vao dd, cac TCTD chua du dieu kien nen hi ban che ve quy md eiing nhu linh vuc hoat ddng cho tdi nao nang dii vdn dieu le Cac NH se phai ehgn tap trang dSu tu va khai thac the manh ciing nhu chat lugng dich vu tot de cd the canh tranh hieu qua vdi cae NH khac Neu khdng, tim kiem doi tac mua ban va sap nhap ed the la nd luc cuoi cimg cho su tdn tai •