- Tien yang vay cac to chat tin (king khfic
42. Chinh sach quan 1ST riii ro lien quan den CAC cling cy tai chinh
Muc tieu cua Ngan hang la toi da h6a gia tri dau tu cua c6 dOng, giu yang roc do tang truerng loi nhuan va tinh hinh tai chinh lanh mph. Do vay, viec sir dung cac cong cu tai chinh, bao g6m nhan teen giri cua khach hang va dau tu vao cac tai san tai chinh co chat luting cao da trer thanh hog dOng mang tinh then ch& giUp Ngfin hang dat dugc mire chenh lech lai suat can thiet. Xet to khia canh quan 1ST rui ro, dieu nay did hoi Ngan hang ket hop mOt cach can dai girra cac cam ket
ngoai bang (nhu bao lanh va thu tin dung) veri cac khoan cho vay (bang dong nOi to cling nhu ngoai te) den ved cac ca nhan va t6 chirc thuoc cac muc dO tin cay khac nhau. Ben canh de, Ngan hang cung dau tu mOt phan von lim do, ng vao cac chimg khoan dau tu hay cho cac ngan hang khac vay. Nhang rui ro lien quan clan trao &Ai ngoai to va thay dal lai suat dirge quan 1ST thong qua ap dung han muc trung thai nham han the str tap trung qua muc &Ong thai tham gia vao cac hog &Ong co tac dung can bang lan nhau de giam thieu rid ro. Thong qua viec nam gift nhieu tai sari la cac cong cu tai chinh co chat luting cao, co c'Au bang can den ke toan hop nhat cua Ngan hang co du kha nang phOng ngira rid ro tong yeu trong qua trinh hoat do, ng kinh doanh va dam bao kha nang thanh khoan. Them vao de, Ngan hang cung tham gia vao nhieu giao dich phOng ngira rui ro lien quan den cac cong cu tai chinh nhu Gee cam kat hoan dai ngoai to cho muc dich quan 1ST rui ro lai suat.
Trong qua trinh quan 11+ rui ro tin dung, Ngan hang da sir dung co hieu qua Cam nang Tin dung trong de ghi chi tier cac chinh sach va thu tic cho vay cling nhu cac huarrig dan thuc hien de chan h6a cac hog d'Ong tin dung cUa Ngan hang. Rid ro thanh khoan (lucre han the thOng qua viec nam gift mot s6 luting 16n tien mat va cac khoan tucmg throng lien clued dang tai khoan Nostro, cac khoan tien giri co lcST han tai Ngan hang Nha nuerc va cac t6 chirc tin dung ldik va cac giay to co gia. Cac tST le an toan co tinh den yeu to rid ro cling duct sir dung de quan 15/ rid ro thanh khoan. Ngan hang thuang tien hanh danh gia chenh lech lai suat, so sanh voi cac thi truerng trong nuot va quac to de co nhang diau chinh kip then. Them vao do, viec ap dung cac quy trinh quan 15, rid ro nOi bo cung trer nen hieu qua hors nher viec trien khai He thong Quan 15T Vim Tap trung va He thong Thanh toan Tap trung, theo do toan b0 cac giao dich von va thanh toan cua Ngan hang dau do Hen so chinh thuc hien. Viec do cho phep Ngan hang giam sat hieu qua hon cac bien dai va vain va giam cac sai sot c6 the xay ra cling nhu nhtmg thii tic phirc tap khong can thiet.