Những thách thức đối với ngân hàng nhà nước việt nam trong việc đưa ra chính sách trước bối cảnh kinh tế bất ổn của VN hiện nay

Câu hỏi: Những thách thức đối với Ngân hàng Nhà nước Việt Nam trong việc đưa ra chính sách trước bối cảnh kinh tế bất ổn của VN hiện nay. Nhóm 4: - Ngô Thị Hải Nhung - Lại Thị Thanh Phương - Tăng Thị Thu Phương - Lê Thị Quyến - Ngô Thị Thúy Quỳnh - Lê Thị Minh Tâm - Lê Hanh Tâm - Lê Thị Tâm - Nguyễn Văn Thanh © - Xay Som Boun Tengbriachue Trình bày:   !"#$%#&'()*+# )%,)# -./0! I. Bối cảnh kinh tế Việt Nam 201112,&3  3$%45667 II. Đánh giá chính sách của NHNN trong năm 2011189+$)% (!":; <45667 III. Thách thức và giải pháp1=>2?@/0A+B2 'CD(:// +$E$<E7 Nội dung chính: I. 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Thực trạng NHTM cuối năm 2010: K,,#&'(3$%cD$V&)$ C>:=d7P  g/:@2><455I+"o :=d)Z3Ck+rCk -Ck( v$ƒA3F3( )& +?‡ #k'Zt$V$? #%2#&o7 =[ $A(+%<4565+ ;E6/+6!"w;2+G :=d ^E'/0/(+.H:=d8P+G58  +G655J +GA? 7n o@$Z-" K$c =~+P/777d2"^(:=d@) 0 Dk!"EA"7 =&+"c/#8+PNOD$V-3+E"c$#C kVV7 =+C)V:E"cA&13( 3}/o)A0(: 2,;w) ?c3# ~ :=d D2'k&o74.:=d #2/<3A.555l- <45657d^?K; o!/(/A?)D<3).6`64`4566+ %T`66`4566}vS=d (.555 l-3M&+PZ=)+nNv8VZ+h Y7 h61O":=d/(3$~ STT Ngân hàng Vốn hiện tạSTT Ngân hàng Vốn hiện tại Vốn cần tăng tối thiểu 6 nNv8VZ Mn h$Y 4+SI5 GS5 4 h  Mh [h$Y 6+G55 6+G55 . PZ=) Mˆ["[h$Y 4+555 6+555 S &M† #$Y 4+555 6+555 Tổng S+5S5 (tỷ đồng)V (Nguồn: WSS tổng hợp) Thứ ba là vấn đề thanh khoản trong hệ thống NHTM:~ "o,D D/ $E?c# >C+?;$Vc_, ‚3 :_"E!  Z+ mnO+#&2"+ ^‚3$LD€A@% !$ (:7s%-30 +: 2;"&Bt+F);"&)2 ^;"&A A& 7<4565+;"&)2o064 J+#,6S‰6IJ+EZA6TJ7~;"& )•[ EA 6b‰45J+)$E$< %/g)(O+$ƒ [ " w&,+<@$%#k"B7=,D)}?), %)7 Thứ 4 là tỷ lệ nợ xấu tăng và chất lượng tín dụng thấp7=2<@! ?r$VC+Oo%/g-ŠE; 0$ƒC+$%C/E‚"w& ^/"+) ow&<  :7=low&MP~Y<>6+bJ< 455bA4+GJ <45657^#$ oA4I7555l-A C65:=d ")F)lP~A.+4J7hAD&3 &oFk!?rC),!?r+$  )@|c E2(  #&2"+$ <A$ <4565 M<4.+GJ" <455b+?co 4|c)%64J'?oY •)A?},Dow&A7 Như vậy những vấn đề mà NHNN phải giải quyết trong bối cảnh kinh tế 2011 có thể tóm gọn lại ở những điểm trọng tâm sau: - Tình trạng lạm phát ở mức độ hai con số - Duy trì mức độ tăng trưởng ổn định - Tình trạng bất ổn của hệ thống NHTM ở Việt Nam - Tình trạng đô la hóa đang ngày càng trở nên nghiêm trọng 3. Cơ sở lý thuyết : Oc V@/0A+E&):)/ ^&3&37=)A< rAk(! /( <4566+g/!"(:?cAZ"@ p)%g/rA$3%D/7 $3%D/+:0c!"3€^+ VC.Vr()%1: D2k@+l?c#€#2 l;"&%$&7 Hoạt động thị trường mở D2#8$ ? :c Ak@+CE2%33$%7sD %o3V 3$%+:c#8$  :=d ^ VB7)Vr DC(!" 3,E! !wo30#Z)B$3$%+ )A,cVCC 'Av/r2 (  k7 Thay đổi tỷ lệ dự trữ bắt buộc6Vr$(:78:=d#€ #2/E6$ 3‚D:_?c#€#27s )$V o@; ^0 )+o![ 6l&kA '"3‚($# $< +"c'k( :7sc!"3€^+:E<l?c #€#2+>E"3+D%$$<D 3( :=d+-$< )(:7 8Ktăng lãi suất chiết khấu7~;"&%$&;"&:  :=d)$:=d# 0)(?c[ C)k7 =<;"&%$&"qD%:=d):>E 3 3$%7   c%+:vE"‚?r2 Vr" {rA$3%D/$" D!?r+Cp; "&(:=d7 "‚?rVrkiểm soát hạn mức tín dụngEB/D% D 3C(:=d<'$o3 3$ %7:"‚?rVr)#{C)kD!?r >:=d >$L$+E|:=d9o/ƒ/&/ !?r 3$%#{D!?rC)k7=)A• 0#A{"‚?r!"$" D!?rE  ;"&k<A+D:=d+" Z&0(:=d+•E/"k!0 { "c$" (:+)$E$< %/g( ? /7 =%/[ việc sử dụng công cụ quản lý lãi suất của NHTMc rA(!"3(:XC)k$;"& ^ 0;"& )(:=d7:$" ;"&E2 D%$+0CE2<@$%7(  +# C)3o(:=d+ o/;"&c? o C0$" (,+:"q#C)k;"&0  3);"&" 3‚7%{# C)3o $(:=d,:"qC)k;"& 3‚ ;"& 3)7d2&3•0#%@)$"‚?r Vr)(:E"q!D  D2( :=d7 II. 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