Sắp xếp lại hệ thống ngân hàng Việt Nam trong bối cảnh tái cơ cấu

iHOtTSONG NGAN HANG NAM 201S, SINH HUdNG NAM 201G -

D

/'? u^^

e an tai co cau he

khong ngdn hdng Viet

Nam theo Quyet dinh

sd 254/2012/QD-CP dd trdi qua

gdn 5 ndm thuc hien vd da dgt

dugc nhirng muc tiiu co bdn nhu

dn dmh sir an todn ciia hi thdng,

trdnh tinh trgng ddng bdng tin

dj^ng vd ddc biet Id ddn tao lap

dugc ky cuong hoat ddng ciia

ngdnh Ngdn hdng. Di cd dugc

nhiing thdnh tuu ndy. bin canh

nhiing nd luc cua Chinh phii,

cdc Bd, ban. ngdnh, cd su dong

gop to ldn cua Ngdn hdng Nhd

nuoc (NHNN) Viet Nam trong

viec dimg ra trien khai cdc

gidi phdp tic hi thdng den cu

thi tieng ngdn hdng. Mdt trong

nhitng gidi phdp md NHNN thuc

hien cd hiiu qud trong giai doan

2011-2015 vica qua chinh la gidi

phdp sdp xip lgi hi thdng ngdn

hdng, cu thi la: tu tdi ca cdu;

mua bdn, sdp nhdp; mua lgi

ngdn hdng 0 ddng. Nghiin cuu

tap trung ddnh gid thuc trgng

thuc hi$n gidi phdp sdp xip lgi

hi thdng ngdn hdng cua NHNN

Viet Nam trong thdi gian qua,

sau dd dua ra mdt sd khuyin

nghi ddi vdi gidi phdp sdp xip

lgih$ thdng ngdn hdng Viet Nam

trong giai doan 2016 - 2020.

1. ThUc trang sap xep lai he

thong ngan hang Viet Nam giai

doan 2011-2015

Gidi phdp sap xep lai he thong

ngdn hdng dugc NHNN Viet

Nara su dyng rat hieu qud hong

giai doan 2011-2015. Thdng

' Pt)D Giam doc Hoc vien Ngan hang

SAP XEP UU H£ THONG NliAN HANG Vi ^ NAM

TRONG BOiciiiiH TAI Cir CAU

1^J»GS., TS. Le Vdn Luyen *

qua cdc hinh thdc nhu NHNN

cho phep cdc ngdn hang ty tdi

CO cdu; tham gia M&A (giiia

ngdn hang vdi ngdn hdng, ngdn

hang vdi doanh nghiep h-ong

hoac ngodi nude, ngdn hang vdi

cdng ty tdi chinh); xu ly sd him

cheo; NHNN mua lai NHTM

vdi gid 0 ddng, ddng thdi chdm

dut quyen cd ddng ddi vdi eae

cd ddng hien hiiu cua ngdn hang

bi mua lai. De tao dieu kien cho

viec thyc hien cdc gidi phdp sdp

xep lai he thdng ngdn hang theo

cdc hinh thuc nhu hen, NHNN

da ban h^ih nhieu van bdn phap

ly kip thdi. (Bdng 1)

Trong sd cdc hinh thuc sdp xep

lai he thdng ngdn hdng nay, giai

phdp de cho cac ngdn hang hr tdi

CO cdu tren cdc ndi dung khuyin

nghi h-ong Dh dn 254. Theo dd,

NHNN da khuyin khich cac

ngan hdng tai co cdu mdt cdch ty

nguyen, chi khi cdc ngdn hai^

qud yeu kem vd cd the gay ant

hudng tieu cyc tdi he thing flij

NHNN mdi thyc hien cdc bifo

phap can thiep bat budc.

Ddi vdi van de xu ly sd huu

cheo, bien phdp gidi quyet tap

trung vdo viec that chiit cac

quy dinh lien quan tdi sd hiiu,

ben canh dd, yeu cau cdc doanli

nghiep, tdng cdng ty, tap doan

nhd nude phdi thodi vdn khdi

cac NHTM. De khdc phuc tinli

trang sd hiru cheo giiia cac ngan

hdng, boat ddng M&A da duoc

khuyin khich nhdm giup ngan

hdng sau hgp nhdt/sap nhdp dki

bao quy dinh ve cau tnic sd hiru.

(Bdng 2, 3)

2. Danh gia ve cac gidi pdai

sap xep lai h$ th^ng ngan hang

Thir nhdt. NHNN da thyc hii

cdc gidi phdp sdp xep lai ii

Bang 1: Tong help giai phap sap xgp [a! he thong ngSn hang ciia NHNN Viet Nam^

Ngi dung nhom

giai phap

Mua ban, sap

nhap cac To

chiJc tin dung

Mua lai NHTM

gia 0 a6ng

Thong ti/04/2010/rT-NHNN;

Phe duyet cac de an M&A ciia

ngan hang

Quyet dinh cuaThong doc NHNN

Luat TCTD 2010

Thong tU36/2014/TT-NHNN

Thong tK 06/2015/NHNN

N6I dung/Di4u khoSn li§n quan

sap nhap, hop nhSt, mua lai TtS chiJc tin

dung

Ngan hang Xay dUng, Ngan him

Duong va Ngfln hSng Dau khlToSn d

fii4u 55,103,110,129,135

Dieu 20' gidfi han NHTM mua c6 phA

khfing quS 2 TCTD khSc (5%); Bilu 18

Quy dmh thdi han, trinh t a thii W

chuyen ti^p d6i vdi sd hOU co phSn vi«

gidi han

Nguon. rang hpp cua

Q TAPCHINGflNHANG|S03+4|THANGZ/2016 1