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Kdt qua giam sat cho tha'y vide chap hanh cac quy dinh vd BHTG, cac quy djnh vd an toan trong hoat ddng ngdn hang cua cac td chUe tham gia BHTG trdn dja ban Chi nhanh quan ly da cd n[r]
(1)HOAT BONG N G A N HANG
Khde phuc kho khan, vung bu6c phat trien
NAM 2008 \A NAM OAY KHO KHAN, THLT THACH 001 VOl HOAT OONG CUA LlNH VUC TAI CHlNH, TIN DUNG NOI CHUNG VA BAO HIEM TIEN GIJI VIET NAM (BHTGVN) NOI RIENG TRONG HOAN CANH 0 , TAP THE' CBVC CHI NHANH BHTG KHU VUC H A NOI OA PHAT HUY TRUYEN THONG OOAN K^T, NANG O O N G , SANG TAO VQI TINH THAN NO LUC CAO NHAT OE THUC HIEN TOT NHIEM VU OUOC GIAO
Nhan thUe dugc tam quan ciJa cdng tdc giam sat ddi vdi cac td ChUc tham gia BHTG, Chi nhanh da dd nhidu bien phap dd tidp can thdng tin dau vdo tU cac ngudn khac Ojnh ky hang quy cd phdn tich danh gia tinh hinh hoat ddng cua 100% td chCre tham gia BHTG trdn dja bdn, tdng hgp ket qua va lap bao cao giam sat djnh ky quy theo dung quy djnh cua BHTGVN Kdt qua giam sat cho tha'y vide chap hanh cac quy dinh vd BHTG, cac quy djnh vd an toan hoat ddng ngdn hang cua cac td chUe tham gia BHTG trdn dja ban Chi nhanh quan ly da cd nhUng chuydn bidn tich cue Trong nam, Chi nhanh da giri 03 eanh bao vd an toan hoat ddng ngdn hang Kidm tra va cap nhat vao chuong trinh phan mdm mdi cua BHTGVN, ddng thdi phan dnh nhUng vudng mac vdi Phdng giam sat 2, Cdng nghe tin hoc cua try sd chinh, gdp phan hodn thien hon pham mdm quan ly vd ngudn thdng tin dau vdo phuc vu cho cdng tac giam sat Bdn eanh hoat ddng gidm sat, C^hi nhanh cdn chu ddng tridn khai edng tac kidm tra tai chd vdi 100% eae td chUe tham gia BHTG tren dja bdn Nhin ehung, cdc don vj dugc kidm tra ddu hoat ddng dn djnh, cd su tang tardng vung chde qua tUng nam, chap hanh tuong ddi tdt eae quy djnh cua Nha nude vd BHTG vd cac quy djnh vd an toan hoat ddng Odi vdi nhUng td chUe cd sai sdt, Chi nhdnh da dd nghi cd bidn phap kh^e phuc va chinh sua kjp thdi Cd thd ndi, hoat ddng kidm tra cua Chi nhdnh da trd mdt kdnh thdng tin quan trong vide danh gia thuc trang hoat ddng va tuan thu quy djnh phap luat cua cdc don vj dugc kidm tra, gdp phan khde phuc sai pham, chan chinh cdng tdc
quan ly, nang cao y thUe chap hanh phap luat cua cac td chuc tham gia BHTG Cdng tac theo ddi nop phi cung dugc thuc hidn tdt Tinh den 31/12/2008, Chi nhanh da thu dugc gan 3,75 ty ddng Vd giam sat ly, Chi nhanh da theo ddi 06 hdi ddng ly quy tfn dung nhdn dan (QTDNO) co so bj giai thd bat bude; tfch cue phdi hgp chat che vdi Chi nhdnh NHNN tinh, phd, chinh quydn dia phuong va cac hdi ddng ly QTDND bj giai thd dd theo ddi sdt tinh hinh ly Mae du hoat ddng ly gap rat nhidu khd khan, vudng mac, nhung vdi quyet tdm va thai dp nghiem tuc edng viec, Chi nhdnh da thu hdi dugc 27,5 trieu ddng tidn bao hidm da chi tra tai 03 hdi ddng ly Ld Lgi, Odng fch vd Thuy Ldi, qua dd gdp phan cung cd ngudn tfch luy tai chfnh dd giai quyet rui ro cho cac td chuc tham gia BHTG tuong lai Mdt sd mat hoat ddng khac nhu hd trg tai chinh, nghidn cuu, thdng tin tuydn truydn, kd todn cung dugc Chi
nhanh thuc hidn tdt
Vdi nhung ket qua da dat dugc nam 2008, Chi nhanh da vinh du dugc UBND phd Ha Ndi tang Bdng khen cho tap thd va 01 ca nhan
Bude sang nam 2009, Chi nhanh BHTG khu vue Ha Ndi se tap trung tidp nhan, hoan thien hd so trinh Tdng giam ddc cap mdi, bd sung, cap lai giay ehUng nhan BHTG ddi vdi cac td chuc tham gia BHTG lap mdi, md them chi nhanh, didm giao djch; tidp nhan va xCf ly hd so dd nghj cho vay hd trg tai chinh (neu cd) Theo ddi, ddn ddc cdc don vi lap va gCri cac bao cao theo quy djnh cua BHTG Viet Nam, nhap sd lieu tU cac loai bao cao nhan dugc cua cac td ehUc tham gia BHTG; td chUe tdt vi6e theo ddi, ddn ddc cdc td chUe tham gia BHTG trdn dja ban viec tinh va ndp phi BHTG dam bao dung thai gian quy djnh Td chUe giam sat tU xa ddi vdi 100% td chUc tham gia BHTG,
(Xemtieplrang21)
(2)DIENOAN NGHIEN CLTU VE " ^
TAI CHINH TIEN TE ^
Trong dd NHTM qudc doanh Idn nhat VN la VietinBank vUa tien hanh cd phan hda, vdi muc gia phat hanh cd phan lan dau cdng ehung IPO vao dau nam 2009 chi dat d muc tren 20.000 d/1 cd phan, chi gap hai lan so vdi menh gia gdc Neu cau chuyen IPO cua VietinBank dugc thuc hien sdm han, tUc vdo nam 2007 nhu Vietcombank thi gia sd la 100.000 d/ep (gap 10 lan) Hay gia cd phan cua NHTMCP A Chau (ACB) tU muc 260.000 d/ep vao nam 2006, chi cdn 25.000 d/ep vao 5/2/2009, giam 11 lan so vdi thdi ky thjnh vugng nhat Mac du nam 2008, Igi nhuan cua ACB dat tren 2.600 ty ddng, cd tuc 55%, mdt eon sd ky lue it cd ngan hang hay doanh nghiep nao dat dugc, nhung gia cd phieu cua ACB van tiep tuc xudng ddc la mdt minh chUng cho thay khd khan cua he thdng ngan hang nam 2009 khdng nhSng phai ddi mat vdi nhUng khd khan kinh doanh, md cdn phai ddi mat vdi tam ly thj tnrdng dang giam sut Rd rdng nidm tin cua eae nha dau tu dang bj eude khijng hoang tai chinh toan cau ehi phdi, gay khd khan cho cdc ngan hang vide tim kidm lai vj thd cua minh trdn thi tnrdng nude vd qudc te Oac biet la qua trinh cd phan hda cua mdt sd NHTM qudc doanh cdn lai nhu NHOT&PTVN (BIDV), NH Phat tridn nha OBSCL (MHB) se gap rat nhidu khd khan cac NH tien hanh CPH Vi vay eae NHTM can lua chon thdi didm thich hgp dd tidn hanh CPH, vua cd Igi cho Nha nude vUa cd Igi cho NH
Ba la, khd khan se keo theo cdc khd khan khac nhu van de hinh cac Tap
doan tai chinh - ngan hang cua cac NHTM qudc doanh dang bi can trd bdi cac tm cot tao nen Tap doan nhu ehung khoan - bao hiem cung dang bi cudc khung hoang tai chinh nhan chim Theo thdng ke mdi nhat, nam 2008, gan 80% cac cdng ty ehung khoan VN lam an thua Id Oieu ehung td gia tri giao djch tren thi truong ehung khoan nam 2008 giam manh, de doa den su phat trien thi trudng chUng khoan ndi ehung, cac cdng ty ehung khoan
ndi rieng Chae chan he luy se tiep tuc da'y lui tien hinh thdnh cac Tap doan tai chinh - ngan hang ciJa cac NHTM xa hon so vdi ke hoach de
4 N i e m t i n v a o s a l i n h h o o t t r o n g d i e u h a n h c a c c h i n h s a c h k i n h t e vT m o :
Chua cd cudc khiing hoang ndo md ca thd gidllaitu nguyen siet chat tay nhau, xda bd moi phdn bidt vd khoang cdch vd mdu da vd cbiing tOc dd cung chdng khung hoang
Trong cai rui cd cai may dd la cudc khung hoang tai chinh toan cau dang dat cho the gidi cai nhin mdi ve su van dong kinh te mdi trudng todn cau hda Chua cd eude khung hoang nao ma ca the gidi lai tu nguyen siet chat tay nhau, xda bd mpi phan bidt va khoang each vd mau da va ehung tdc, dd eiing chdng khung hoang Od la thuan Igi ehung ma eae qudc gia ddu hudng Igi vi khdng phai tdn nhidu thdi gian tren cac ban dam phan hay thoa thuan nhdm dat dugc cac bien phap chdng khung hoang Trong dd, van de tai cau true
lai nen kinh te the gidi, hay tai cau true lai cac dinh che tai chinh toan cau nhu Quy tien te qudc te (IMF), Ngan hang the g o (WB) cung dang duoc cac qudc gia tren toan the gidi dat Chinh qua trinh tai cau true lai nen kinh te the gidi va cac dinh che tai chinh la mot nhung thuan loi cho VN, qudc gia vua moi gia nhap td chuc thuang mai the gidi (WTO) cd dieu kien thay ddi kip thoi, nhanh chdng cac sach luoc cua minh qua trinh hoi nhap kinh te toan cau, mUc dp tham gia vao cac hiep ude kinh te qudc te cua VN vdi the gidi chua qua sau, va phuc tap dd la dieu ma ehung ta can nam bat dd thich ung vdi hoan eanh kinh te the gidi mdi Hy vpng bdng nhUng trai nghiem quan thdng qua eude chien chdng lam phat nam 2008 vdi gdi giai phap va chan da suy giam kinh te nam 2009 vdi gdi giai phap toan dien, tdng thd, kha thi ma Chinh phu VN dua ra, da va dang dugc cae Bp, Nganh, toan dan quyet liet thuc hien Vi vay nhung khd khan trudc mat chae chdn se tUng bude duoc day lui, tao da phat tridn va tim kiem nhung eo hdi "vang" tien trinh hdi nhap kinh te qudc te cho VN thdng qua cac chinh sach didu hanh kinh td vi md ndi ehung, chinh sach ti6n te ndi ridng, linh hoat hon, hieu qua bona
K h d e p h u c k h o k h a n fr,^pt^ r^w
trdn CO sd ket qua giam sat, tien hanh thdng bao, eanh bao ddi vdi cac td chire cd vi pham quy djnh vd BHTG va quy djnh vd an todn hoat ddng ngan hang Kidm tra tare tidp 52 td chuc tham gia BHTG theo kd hoach da duoc BHTG Viet Nam phe duyet va td chUe kidm tra ddt xuat dua trdn ket qua gidm sat tu xa (ndu xet thay can thidt) Phdi hgp chat che vdi 06 hdi ddng ly quy tfn dung nhdn dan tai phd Ha Ndi, Vinh Phuc, Hung Y6n vd Chi nhanh NHNN cac
tinh, phd tren dja ban dd ndm bat thdng tin, cap nhat sd lieu Nghien ciru, khai thdc va cap nhat cac thdng tin, van ban mdi cua BHTG Viet Nam, NHNN va cdc bd, ngdnh lien quan Oay manh cdng tdc thdng tin, tuydn truydn Hd trg cac OTDND tren dja ban truydn tin va bao cao tdi BHTG Viet Nam didu kien cd thd Tiep tuc nghidn cuu, hodn thien dd tai "Chinh sich BHTG cua My va kinh nghiem doi vdi Viet Nam' va tridn khai dd tdi khoa hoc "Nhi/ng van de ca
ban ve chinh sach BHTG' Td chUe thuc hidn chd dd tai chinh- ke toan, tuan thu quy dinh cua Bd Tai chinh va hudng dan cua BHTG Viet Nam, thuc hanh tiet kiem chdng lang phi Tang cudng edng tac dao tao, bdi dudng nghiep vu cho CBVC nhdm nang cao nang lue chuyen mdn, lam vide sang tao, nang suat, chat lugng, hieu qua
Vdi nhung giai phap phat tndn ddng bd, thiet thuc, Chi nhanh BHTG khu vue Ha Ndi da vuot qua nhieu thach thuc, khd khan, hoan xuat sdc nhidm vu Oay la ndn tang dd Chi nhanh tidp tuc vuon 16n, phat tndn bdn vung thai ky hdi nhapa
LAM SON