No xau khong dep nhu cong bo

Lan dau tien Ngan hang Nha nuoc (NHNN) chinh thuc thua nhan con so no xau cong bo chua phan anh dung thuc chat chat luong tin dung, hoat dong cua cac ngan hang.

Rui ro phan loai no

Theo con so do Thanh tra NHNN cong bo, den nay he thong NH da cho vay cac to chuc kinh te va dan cu khoang 2,5 trieu ti dong, trong do no xau chiem 3,39%, tuong duong 85.300 ti dong. So voi muc 2,19% nam ngoai, no xau da tang 1,2% tuong duong 35.000 ti dong - muc tang duoc coi la dot bien.

So voi thong le quoc te, no duoc coi la van an toan khi nam nguong khong qua 5% tong du no xau, the nhung no cua cac NH hien nay lai tiem an day rui ro. Tai hoi nghi nganh NH cuoi tuan truoc, ong Tran Minh Tuan - Pho thong doc NHNN - thua nhan con so tren phan anh chua dung thuc chat rui ro tin dung cua cac NH do tieu chuan phan loai no hien nay con bat cap va cac to chuc tin dung thuong khong phan loai dung theo quy dinh.

Cu the, ke tu nam 2008, NHNN yeu cau tat ca cac NH thuong mai phai phan loai va trich lap du phong theo chuan moi. Theo do, NH phai phan loai no cua DN theo hon 50 tieu chi, phan anh day du va toan dien ve thoi gian, kha nang tra no. Neu ap dung quy dinh nay, no xau cua NH chac chan se tang len gap vai ba lan, keo theo khoan trich lap du phong rui ro khong nho. Do la ly do, du NHNN da ra lenh tu 2008, nhung toi nay moi chi co BIDV, Vietcombank, Techcombank thuc hien, so con lai van dung chuan cu ma the gioi da bo hang chuc nam nay.

Suot tu nam 2008 den nay, Chinh phu nom nop lo mot so ngan hang hoat dong yeu kem, thanh khoan thap bi do vo. Thoi gian toi phai giai quyet dut diem, khong duoc de tinh trang nay ton tai

Thu tuong Nguyen Tan Dung

TGD mot NH thuong mai cho rang viec ap chuan cu khien no xau be ngoai nhin thi dep nhung ben trong rat nhieu “mui”. Neu chi can cu vao thoi han tra no thi den han khach hang vay nong, xoay xo cho nay, cho kia de tra, mot khi het cua xoay se dan toi mat kha nang tra, NH trang von. Viec nay dan toi tinh trang nhieu NH con tu van, ho tro cho khach hang vay them tien de dao han, tranh no xau tang. Noi them ve viec tai sao cac NH cu chay i tu nam nay qua nam khac khong chiu phan no theo chuan moi, TGD tren cho biet, ly do don gian la neu ap dung chuan moi, chac chan no xau phai tang len it nhat 2-3 lan so voi con so cong bo. Khi do so tien trich lap du phong rui ro le ra 1.000 ti, phai tang len 2.000-3.000 ti dong. “Trich lon nhu vay thi chac chan loi nhuan cua NH se bi giam manh, tham chi am chu khong the lai khung nhu hang loat NH vua cong bo thoi gian qua”, TGD nay noi.

No xau khong dep nhu cong bo

Phai yeu cau tat ca cac ngan hang thuc hien theo tieu chuan moi ve no xau.

Can mot chuan muc chung

Ke tu 2008 den nay, quy dinh da co nhung trong ca tram to chuc tin dung, chi co 3 NH thuc hien. La lung hon, du biet rat ro nhung co quan quan ly cung khong nhac nho hay co che tai bat cu NH nao. Su tho o nay khien mot so NH mai me lam dep no xau, dan toi mat thanh khoan, phai hop nhat, sap nhap.

Toi day, theo ong Tran Minh Tuan, no xau van dang tiep tuc gia tang do doanh nghiep gap nhieu kho khan, hieu qua kinh doanh giam sut. Ngoai ra, mot so NH co chat luong cong tac tham dinh chua cao, tai san the chap khong dam bao tinh phap ly, gia tri phat mai chuyen nhuong thap, dao duc, kinh nghiem cua can bo tin dung suy giam. Ong Tuan cho biet, nam 2012 Thanh tra NHNN se thuong xuyen den cac NH bi xep vao nhom hoat dong kem an toan, doi tuong 2 nam tro len chua duoc thanh tra, cac doi tuong co dien bien bat thuong trong to chuc va hoat dong, cac doi tuong moi duoc cap phep va di vao hoat dong.

The nhung, ong Tran Bac Ha - Chu tich Hoi dong quan tri BIDV, cho rang viec xac dinh, kiem soat no xau chi thong qua vai cuoc thanh, kiem tra se khong giai quyet duoc triet de, boi thuc te, hien nay khong co mot chuan muc chung cho he thong, moi NH lam mot kieu.

Cung theo ong Ha, neu phan theo chuan moi, no cua NH chac chan se cao hon. Truoc kia, BIDV di tien phong, no len toi hon 30%, nhung den nam 2011 giam xuong chi con 2,8% tong du no. Ong Ha kien nghi viec quan trong nhat la phai dua tieu chuan no xau ve mat bang chung, co tieu chi ro rang va kiem soat chat che, yeu cau tat ca cac NH phai thuc hien theo chuan chung do.

NHNN chua khang dinh ro lo trinh yeu cau cac NH phan loai theo chuan no moi, the nhung van de nay cung duoc Thu tuong Nguyen Tan Dung khong duoi 2 lan nhac lai phai chan chinh, xu ly dut diem no xau va cac NH yeu kem. “Suot tu nam 2008 den nay, Chinh phu nom nop lo mot so NH hoat dong yeu kem, thanh khoan thap bi do vo. Thoi gian toi phai giai quyet dut diem, khong duoc de tinh trang nay ton tai” - Thu tuong chi dao.

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