{"id":19591,"date":"2012-04-23T10:09:40","date_gmt":"2012-04-23T10:09:40","guid":{"rendered":""},"modified":"2012-04-23T10:09:40","modified_gmt":"2012-04-23T10:09:40","slug":"doanh-nghiep-chet-hang-loat-ngan-hang-song-khoe","status":"publish","type":"post","link":"https:\/\/dntieubieuna.vn\/?p=19591","title":{"rendered":"Doanh nghi\u1ec7p ‘ch\u1ebft’ h\u00e0ng lo\u1ea1t, ng\u00e2n h\u00e0ng ‘s\u1ed1ng kh\u1ecfe’"},"content":{"rendered":"

Vi\u1ec7t Nam \u0111ang ch\u1ee9ng ki\u1ebfn m\u1ed9t th\u1ef1c t\u1ebf kh\u00e1 k\u1ef3 l\u1ea1: doanh nghi\u1ec7p \u0111ang ph\u00e1 s\u1ea3n, “ch\u1ebft h\u00e0ng lo\u1ea1t”, trong khi ng\u00e0nh ng\u00e2n h\u00e0ng v\u1eabn “s\u1ed1ng kh\u1ecfe”. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 trong m\u00f9a \u0111\u1ea1i h\u1ed9i c\u1ed5 \u0111\u00f4ng n\u0103m nay. C\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u1ee9ng x\u1eed nh\u01b0 th\u1ebf n\u00e0o tr\u01b0\u1edbc c\u00e2u chuy\u1ec7n t\u00e1i c\u1ea5u tr\u00fac h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam?

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                    Ho\u1ea1t \u0111\u1ed9ng li\u00ean k\u1ebft gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 m\u1ed9t c\u00e1ch 
                               n\u00e2ng cao n\u0103ng l\u1ef1c theo h\u01b0\u1edbng ch\u1ee7 \u0111\u1ed9ng h\u01a1n.
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T\u1eeb n\u0103m 2010, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam n\u1ed5i l\u00ean 2 v\u1ea5n \u0111\u1ec1 l\u1edbn: ngu\u1ed3n v\u1ed1n v\u00e0o s\u1ea3n xu\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c ch\u00fa tr\u1ecdng v\u00e0 thanh kho\u1ea3n y\u1ebfu k\u00e9m. \u0110\u1ec3 kh\u1eafc ph\u1ee5c, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) v\u00e0 Ch\u00ednh ph\u1ee7 \u0111\u00e3 c\u00f3 nhi\u1ec1u ch\u1ec9 \u0111\u1ea1o, ch\u00ednh s\u00e1ch nh\u1eb1m c\u1ea3i t\u1ed5 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, nh\u01b0ng con \u0111\u01b0\u1eddng kh\u00f4ng h\u1ec1 d\u1ec5 d\u00e0ng.<\/FONT><\/P>

Ng\u00e2n h\u00e0ng “s\u1ed1ng kh\u1ecfe”, doanh nghi\u1ec7p y\u1ebfu<\/FONT><\/P>

Trong m\u1ed9t n\u1ec1n kinh t\u1ebf “kh\u1ecfe m\u1ea1nh”, ng\u00e2n h\u00e0ng b\u01a1m v\u1ed1n v\u00e0o s\u1ea3n xu\u1ea5t, s\u1ea3n xu\u1ea5t sinh ra l\u1ee3i nhu\u1eadn l\u1ea1i \u0111\u1ed5 v\u1ed1n v\u1ec1 ng\u00e2n h\u00e0ng. D\u00f2ng ti\u1ec1n c\u1ee9 th\u1ebf xoay v\u00f2ng v\u00e0 th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n kinh t\u1ebf. Tuy nhi\u00ean, Vi\u1ec7t Nam \u0111ang ch\u1ee9ng ki\u1ebfn m\u1ed9t th\u1ef1c t\u1ebf kh\u00e1 k\u1ef3 l\u1ea1: doanh nghi\u1ec7p \u0111ang ph\u00e1 s\u1ea3n, “ch\u1ebft h\u00e0ng lo\u1ea1t”, trong khi ng\u00e0nh ng\u00e2n h\u00e0ng v\u1eabn “s\u1ed1ng kh\u1ecfe”. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 trong m\u00f9a \u0111\u1ea1i h\u1ed9i c\u1ed5 \u0111\u00f4ng n\u0103m nay, h\u00e0ng lo\u1ea1t c\u00f4ng ty kh\u1ed1i s\u1ea3n xu\u1ea5t b\u00e1o c\u00e1o kh\u00f4ng ho\u00e0n th\u00e0nh ch\u1ec9 ti\u00eau kinh doanh c\u1ee7a n\u0103m 2011, th\u1eadm ch\u00ed thua l\u1ed7, ph\u00e1 s\u1ea3n. Ng\u01b0\u1ee3c l\u1ea1i, h\u1ea7u h\u1ebft ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) \u0111\u1ec1u ho\u00e0n th\u00e0nh ho\u1eb7c v\u01b0\u1ee3t m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn n\u0103m 2011. L\u00fd gi\u1ea3i cho hi\u1ec7n t\u01b0\u1ee3ng n\u00e0y, TS. L\u00ea \u0110\u1ea1t Ch\u00ed c\u1ee7a tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf TP.HCM cho bi\u1ebft, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e2u nay kh\u00f4ng ch\u00fa tr\u1ecdng nhi\u1ec1u v\u00e0o l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t, thay v\u00e0o \u0111\u00f3 l\u1ea1i \u0111\u1ed5 v\u1ed1n v\u00e0o th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 c\u00f3 th\u1ec3 quay v\u00f2ng \u0111\u1ed3ng v\u1ed1n nhanh h\u01a1n. Khi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng kh\u00f4ng h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c kh\u1ed1i doanh nghi\u1ec7p, \u0111\u00f3 l\u00e0 l\u00fac n\u1ec1n kinh t\u1ebf “m\u1eafc b\u1ec7nh” v\u00e0 d\u0129 nhi\u00ean c\u1ea7n \u0111\u01b0\u1ee3c “k\u00ea \u0111\u01a1n, b\u1ed1c thu\u1ed1c”. Hi\u1ec7n nay, c\u0169ng c\u00f3 m\u1ed9t \u00fd ki\u1ebfn kh\u00e1c cho r\u1eb1ng n\u00ean \u0111\u1ec3 cho c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m ph\u00e1 s\u1ea3n. Lu\u1ed3ng \u00fd ki\u1ebfn n\u00e0y cho r\u1eb1ng, x\u00e9t v\u1ec1 t\u1ed5ng th\u1ec3, NHTM c\u0169ng l\u00e0 m\u1ed9t doanh nghi\u1ec7p. V\u1eady t\u1ea1i sao c\u00f3 th\u1ec3 \u0111\u1ec3 doanh nghi\u1ec7p ph\u00e1 s\u1ea3n m\u00e0 kh\u00f4ng \u0111\u1ec3 NHTM ph\u00e1 s\u1ea3n? TS. V\u0169 Th\u00e0nh T\u1ef1 Anh, Gi\u00e1m \u0111\u1ed1c nghi\u00ean c\u1ee9u Ch\u01b0\u01a1ng tr\u00ecnh kinh t\u1ebf c\u1ee7a Fulbright cho r\u1eb1ng, vi\u1ec7c ki\u00ean quy\u1ebft kh\u00f4ng \u0111\u1ec3 x\u1ea3y ra \u0111\u1ed5 v\u1ee1 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, t\u1ee9c l\u00e0 kh\u00f4ng ng\u00e2n h\u00e0ng n\u00e0o b\u1ecb ph\u00e1 s\u1ea3n v\u00e0 kh\u00f4ng c\u00f3 ch\u1ee7 ng\u00e2n h\u00e0ng n\u00e0o b\u1ecb m\u1ea5t v\u1ed1n (theo Quy\u1ebft \u0111\u1ecbnh 254 v\u1ec1 \u0110\u1ec1 \u00e1n t\u00e1i c\u01a1 c\u1ea5u ng\u00e2n h\u00e0ng), s\u1ebd t\u1ea1o ra s\u1ef1 “khuy\u1ebfn kh\u00edch ng\u01b0\u1ee3c”. TS. T\u1ef1 Anh n\u00f3i: “V\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra \u1edf \u0111\u00e2y l\u00e0 \u0111\u1ed9ng c\u01a1, khuy\u1ebfn kh\u00edch t\u00e1i c\u01a1 c\u1ea5u. B\u1edfi th\u1ef1c t\u1ebf tr\u01b0\u1eddng h\u1ee3p h\u1ee3p nh\u1ea5t \u0111\u1ea7u ti\u00ean ch\u1ee7 s\u1edf h\u1eefu kh\u00f4ng h\u1ec1 m\u1ea5t v\u1ed1n v\u00e0 c\u00f2n \u0111\u01b0\u1ee3c b\u01a1m th\u00eam v\u1ed1n t\u1eeb NHNN. \u0110i\u1ec1u \u0111\u00f3 t\u1ea1o ra s\u1ef1 khuy\u1ebfn kh\u00edch ng\u01b0\u1ee3c, h\u1ec7 qu\u1ea3 l\u00e0 nh\u1eefng ng\u00e2n h\u00e0ng kh\u00e1c nh\u00ecn v\u00e0o v\u00e0 cho r\u1eb1ng m\u00ecnh c\u0169ng s\u1ebd l\u00e0m nh\u01b0 v\u1eady. Th\u00f4ng \u0111i\u1ec7p nh\u01b0 v\u1eady s\u1ebd l\u00e0m x\u00f3i m\u00f2n ni\u1ec1m tin v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 n\u1ec1n kinh t\u1ebf”.<\/FONT><\/P>

Ai \u00f4m ng\u00e2n h\u00e0ng x\u1ea5u?<\/FONT><\/P>

Vi\u1ec7c h\u1ee3p nh\u1ea5t 3 ng\u00e2n h\u00e0ng \u0110\u1ec7 Nh\u1ea5t (Ficombank)<\/SPAN>, Vi\u1ec7t Nam T\u00edn Ngh\u0129a (TinNghiaBank) <\/SPAN>v\u00e0 S\u00e0i G\u00f2n (SCB) <\/SPAN>h\u1ed3i th\u00e1ng 12\/2011 l\u00e0 m\u1ed9t kh\u1edfi \u0111\u1ea7u m\u1ea1nh m\u1ebd cho n\u1ed7 l\u1ef1c t\u00e1i c\u1ea5u tr\u00fac ng\u00e2n h\u00e0ng Vi\u1ec7t Nam. M\u1edbi \u0111\u00e2y nh\u1ea5t, tr\u00ean th\u1ecb tr\u01b0\u1eddng xu\u1ea5t hi\u1ec7n th\u00f4ng tin v\u1ec1 k\u1ebf ho\u1ea1ch s\u00e1p nh\u1eadp NHTMCP Nh\u00e0 H\u00e0 N\u1ed9i (Habubank)<\/SPAN> v\u00e0o NHTMCP S\u00e0i G\u00f2n – H\u00e0 N\u1ed9i (SHB)<\/SPAN>. M\u1eb7c d\u00f9 HBB hi\u1ec7n v\u1eabn ph\u1ee7 nh\u1eadn h\u1ecd \u0111\u00e3 k\u00fd bi\u00ean b\u1ea3n ghi nh\u1edb v\u1edbi SHB, nh\u01b0ng c\u00f3 th\u00f4ng tin cho r\u1eb1ng, vi\u1ec7c ho\u00e1n \u0111\u1ed5i c\u1ed5 ph\u1ea7n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong bi\u00ean b\u1ea3n ghi nh\u1edb nh\u01b0 sau: 2 b\u00ean th\u1ed1ng nh\u1ea5t v\u00e0 x\u00e1c \u0111\u1ecbnh t\u1ef7 l\u1ec7 ho\u00e1n \u0111\u1ed5i c\u1ed5 ph\u1ea7n theo m\u1ee9c 1 c\u1ed5 ph\u1ea7n SHB \u0111\u01b0\u1ee3c ho\u00e1n \u0111\u1ed5i ngang v\u1edbi 1,34 c\u1ed5 ph\u1ea7n Habubank. N\u1ebfu nh\u1eefng th\u00f4ng tin n\u00e0y l\u00e0 \u0111\u00fang th\u00ec nh\u1eefng \u0111i\u1ec1u kho\u1ea3n ch\u1ee7 ch\u1ed1t n\u00e0y v\u1eabn c\u00f2n ph\u1ea3i ch\u1edd \u0111\u01b0\u1ee3c \u0111\u1ea1i h\u1ed9i c\u1ed5 \u0111\u00f4ng c\u1ee7a c\u1ea3 2 ng\u00e2n h\u00e0ng ph\u00ea chu\u1ea9n. <\/FONT><\/P>

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N\u0103ng l\u1ef1c v\u1ed1n y\u1ebfu, thanh kho\u1ea3n k\u00e9m, ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n \u0111i xu\u1ed1ng l\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec3m \u0111\u00e1ng lo ng\u1ea1i nh\u1ea5t c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam<\/FONT><\/P><\/SPAN><\/TD><\/TR><\/TBODY><\/TABLE><\/DIV>

M\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra khi s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 ai s\u1eb5n s\u00e0ng “\u00f4m” nh\u1eefng y\u1ebfu k\u00e9m c\u1ee7a ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac? M\u1ed9t s\u1ed1 nh\u00e0 b\u0103ng l\u1edbn cho bi\u1ebft, h\u1ecd s\u1eb5n s\u00e0ng \u0111\u00f3n nh\u1eadn c\u00e1c ng\u00e2n h\u00e0ng nh\u1ecf khi c\u00f3 ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a NHNN, ho\u1eb7c tr\u00ean tinh th\u1ea7n h\u1ee3p t\u00e1c \u0111\u1ec3 c\u00f9ng nhau ph\u00e1t tri\u1ec3n t\u1ed1t h\u01a1n. \u00d4ng \u0110\u1eb7ng V\u0103n Th\u00e0nh, Ch\u1ee7 t\u1ecbch H\u0110QT Sacombank cho bi\u1ebft, n\u1ebfu c\u00f3 ch\u1ee7 tr\u01b0\u01a1ng ch\u1ec9 \u0111\u1ecbnh s\u00e1p nh\u1eadp c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu k\u00e9m th\u00ec Sacombank s\u1eb5n s\u00e0ng. V\u00ec c\u00e1ch \u0111\u00e2y 10 n\u0103m, Sacombank t\u1eebng s\u00e1p nh\u1eadp th\u00e0nh c\u00f4ng ng\u00e2n h\u00e0ng Th\u1ea1nh Th\u1eafng. <\/FONT><\/P>

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C\u00f2n c\u00f3 m\u1ed9t “c\u1eeda ra” kh\u00e1c cho c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu: Trong \u0111\u1ec1 \u00e1n t\u00e1i c\u1ea5u tr\u00fac h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng giai \u0111o\u1ea1n 2011-2015, Ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 “xem x\u00e9t, cho ph\u00e9p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u01b0\u1edbc ngo\u00e0i mua l\u1ea1i, s\u00e1p nh\u1eadp t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m c\u1ee7a Vi\u1ec7t Nam v\u00e0 t\u0103ng gi\u1edbi h\u1ea1n s\u1edf h\u1eefu c\u1ed5 ph\u1ea7n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u01b0\u1edbc ngo\u00e0i t\u1ea1i c\u00e1c NHTMCP y\u1ebfu k\u00e9m”. \u0110\u00e2y l\u00e0 h\u01b0\u1edbng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c xem l\u00e0 \u0111\u1ee1 \u0111\u01b0\u1ee3c g\u00e1nh n\u1eb7ng chi ph\u00ed cho nh\u00e0 n\u01b0\u1edbc, nh\u01b0ng theo nh\u1eefng ng\u01b0\u1eddi trong ng\u00e0nh th\u00ec kh\u00f4ng d\u1ec5 th\u1ef1c hi\u1ec7n. Chuy\u00ean gia t\u00e0i ch\u00ednh L\u00ea Xu\u00e2n Ngh\u0129a cho r\u1eb1ng, s\u1ebd kh\u00f4ng d\u1ec5 d\u00e0ng g\u00ec \u0111\u1ec3 k\u00eau g\u1ecdi \u0111\u01b0\u1ee3c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i mua c\u1ed5 ph\u1ea7n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng y\u1ebfu. \u00d4ng cho r\u1eb1ng, \u1edf c\u00e1c n\u01b0\u1edbc, th\u01b0\u1eddng th\u00ec ch\u00ednh ph\u1ee7 s\u1ebd b\u1ecf ti\u1ec1n mua c\u1ed5 ph\u1ea7n c\u1ee7a ng\u00e2n h\u00e0ng, r\u1ed3i n\u1eafm quy\u1ec1n ki\u1ec3m so\u00e1t, sau khi l\u00e0m \u0103n c\u00f3 l\u00e3i tr\u1edf l\u1ea1i th\u00ec s\u1ebd b\u00e1n ra cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0, ch\u1ee9 kh\u00f4ng th\u1ec3 k\u00eau g\u1ecdi h\u1ecd b\u1ecf ti\u1ec1n ra mua trong khi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 qu\u00e1 t\u1ec7 h\u1ea1i. <\/FONT><\/P>

Ch\u1ee7 \u0111\u1ed9ng li\u00ean k\u1ebft- m\u1ed9t gi\u1ea3i ph\u00e1p?<\/FONT><\/P>

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\u1ede c\u00e1c n\u01b0\u1edbc, th\u01b0\u1eddng th\u00ec ch\u00ednh ph\u1ee7 s\u1ebd b\u1ecf ti\u1ec1n mua c\u1ed5 ph\u1ea7n<\/FONT><\/P><\/SPAN>

c\u1ee7a ng\u00e2n h\u00e0ng,<\/SPAN> r\u1ed3i n\u1eafm quy\u1ec1n ki\u1ec3m so\u00e1t, sau khi l\u00e0m \u0103n c\u00f3 l\u00e3i tr\u1edf l\u1ea1i th\u00ec s\u1ebd b\u00e1n ra cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0, ch\u1ee9 kh\u00f4ng th\u1ec3 k\u00eau g\u1ecdi h\u1ecd b\u1ecf ti\u1ec1n ra mua trong khi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 qu\u00e1 t\u1ec7 h\u1ea1i.<\/FONT><\/P><\/SPAN><\/TD><\/TR><\/TBODY><\/TABLE><\/DIV>

Tr\u00ean th\u1ef1c t\u1ebf, vi\u1ec7c s\u00e1p nh\u1eadp, h\u1ee3p nh\u1ea5t lu\u00f4n b\u1ecb c\u00e1c ng\u00e2n h\u00e0ng coi nh\u01b0 “b\u01b0\u1edbc \u0111\u01b0\u1eddng c\u00f9ng” b\u1edfi n\u00f3 lu\u00f4n k\u00e9o theo nhi\u1ec1u v\u1ea5n \u0111\u1ec1 ph\u1ee9c t\u1ea1p v\u1ec1 qu\u1ea3n l\u00fd, c\u00f4ng n\u1ee3, kh\u00e1ch h\u00e0ng, ti\u1ec1n g\u1eedi\u2026 Ngo\u00e0i ra, ph\u00e1p lu\u1eadt v\u1ec1 mua b\u00e1n s\u00e1p nh\u1eadp ng\u00e2n h\u00e0ng \u0111\u1ebfn nay c\u0169ng ch\u01b0a r\u00f5 r\u00e0ng. V\u00ec v\u1eady, nhi\u1ec1u ng\u00e2n h\u00e0ng ch\u1ecdn c\u00e1ch li\u00ean k\u1ebft m\u1ed9t ph\u1ea7n v\u1edbi nh\u1eefng ng\u00e2n h\u00e0ng kh\u00e1c h\u01a1n l\u00e0 h\u1ee3p nh\u1ea5t to\u00e0n b\u1ed9 v\u00e0 \u0111i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 x\u1ea3y ra \u1edf c\u00e1c ng\u00e2n h\u00e0ng nh\u1ecf, y\u1ebfu k\u00e9m m\u00e0 \u1edf c\u1ea3 nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn, kh\u1ecfe m\u1ea1nh nh\u01b0 m\u1ed9t c\u00e1ch \u0111\u1ec3 gia t\u0103ng s\u1ee9c m\u1ea1nh c\u1ee7a ng\u00e2n h\u00e0ng. <\/FONT><\/P>

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M\u1edbi \u0111\u00e2y nh\u1ea5t, NHTMCP \u00c1 ch\u00e2u (ACB) <\/SPAN>\u0111\u00e3 k\u00fd k\u1ebft bi\u00ean b\u1ea3n ghi nh\u1edb v\u1edbi Ng\u00e2n h\u00e0ng Standard Chartered. Theo \u0111\u00f3, kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n c\u1ee7a ACB s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng th\u00eam r\u1ea5t nhi\u1ec1u quy\u1ec1n l\u1ee3i v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a Standard Chartered. Theo gi\u1ea3i th\u00edch c\u1ee7a \u00f4ng L\u00fd Xu\u00e2n H\u1ea3i, T\u1ed5ng gi\u00e1m \u0111\u1ed1c ACB, vi\u1ec7c li\u00ean k\u1ebft xu\u1ea5t ph\u00e1t t\u1eeb 3 nguy\u00ean nh\u00e2n. M\u1ed9t l\u00e0, c\u1ea3 hai c\u00f9ng nhau khai th\u00e1c th\u1ecb tr\u01b0\u1eddng ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb \u0111\u1ea7y ti\u1ec1m n\u0103ng c\u1ee7a Vi\u1ec7t Nam. Hai l\u00e0 Standard Chartered th\u1ef1c hi\u1ec7n c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 v\u1ec1 qu\u1ea3n tr\u1ecb – \u0111i\u1ec1u h\u00e0nh, chuy\u1ec3n giao c\u00f4ng ngh\u1ec7 qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng hi\u1ec7n \u0111\u1ea1i v\u00e0 h\u1ed7 tr\u1ee3 nh\u00e2n s\u1ef1 c\u00f3 chuy\u00ean m\u00f4n cao. Ba l\u00e0 c\u1ea3 hai c\u00f3 th\u1ec3 c\u00f9ng nhau khai th\u00e1c th\u1ebf m\u1ea1nh nh\u1eb1m ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng c\u1ee7a nhau m\u1ed9t c\u00e1ch tr\u1ecdn g\u00f3i theo s\u1ea3n ph\u1ea9m v\u00e0 m\u1edf r\u1ed9ng theo khu v\u1ef1c \u0111\u1ecba l\u00fd.<\/FONT><\/P>

Sacombank t\u1eebng k\u00fd k\u1ebft th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c kinh doanh to\u00e0n di\u1ec7n v\u1edbi Habubank v\u00e0 Ng\u00e2n h\u00e0ng Qu\u00e2n \u0111\u1ed9i ho\u1eb7c Agribank k\u00fd th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi Ng\u00e2n h\u00e0ng An B\u00ecnh v\u00e0 Sacombank. V\u1ec1 m\u1ed9t ph\u01b0\u01a1ng di\u1ec7n n\u00e0o \u0111\u00f3, gi\u1edbi chuy\u00ean m\u00f4n cho r\u1eb1ng, ho\u1ea1t \u0111\u1ed9ng li\u00ean k\u1ebft gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 m\u1ed9t c\u00e1ch n\u00e2ng cao n\u0103ng l\u1ef1c theo h\u01b0\u1edbng ch\u1ee7 \u0111\u1ed9ng h\u01a1n.

                                                               Theo Di\u1ec5n \u0111\u00e0n Doanh nghi\u1ec7p<\/EM><\/STRONG><\/FONT><\/DIV><\/p>\n","protected":false},"excerpt":{"rendered":"

Vi\u1ec7t Nam \u0111ang ch\u1ee9ng ki\u1ebfn m\u1ed9t th\u1ef1c t\u1ebf kh\u00e1 k\u1ef3 l\u1ea1: doanh nghi\u1ec7p \u0111ang ph\u00e1 s\u1ea3n, “ch\u1ebft h\u00e0ng lo\u1ea1t”, trong khi ng\u00e0nh ng\u00e2n h\u00e0ng v\u1eabn “s\u1ed1ng kh\u1ecfe”. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 trong m\u00f9a \u0111\u1ea1i h\u1ed9i c\u1ed5 \u0111\u00f4ng n\u0103m nay. C\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u1ee9ng x\u1eed nh\u01b0 th\u1ebf n\u00e0o tr\u01b0\u1edbc c\u00e2u chuy\u1ec7n t\u00e1i c\u1ea5u tr\u00fac […]<\/p>\n","protected":false},"author":2,"featured_media":19584,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[65],"tags":[],"_links":{"self":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/19591"}],"collection":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=19591"}],"version-history":[{"count":0,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/19591\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/media\/19584"}],"wp:attachment":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}