Sử dụng công cụ chính sách tiền tệ vẫn bị động, lúng túng

—iimffTffmiTOm￾Nhan dinh vd tdng quan hoat

dgng cua he thdng ngan

hang (NH), cac ehuyen gia

cho rdng, cai dugc ldn nhat la da

khdng dinh dugc vi the, vai trd

trong dn dinh kinh te vi md, ddng

gdp tich cue cho phat trien ndn

kinh te dat nudc. Quy md cac NH

phat tridn nhanh, nam 2000 cd 89

NH thi nay da cd 120 NH; quy md

tai san tang manh, binh quan dat

30%o/nam, den nay da dat tren

3.593.883 ty dong, tang gap 11.4

ldn nam 2000, tuong duong

133,8% GDP nam 2010; trong

nhung nam gdn day, boat dgng cua

cac NH da an loan, hieu qua.

chuyen nghiep hon; he sd an loan

dugc cai thien tir miic dudi chuan

qudc te (dudi 8%) trong giai doiin

2000-2005, den cudi nam 2010 he

sd dd da dat mirc 11,2%; nang lire

ciinh tranh da tang rd ret, the hien

tieu chf quy mo vd'n tang nhanh;

chai lugng dich vu dugc nang cao;

mirc do tham nhap ihi trudng tang

nhanh; co sd hii tang cdng nghe

lh6ng lin, he th6ng ket ndi phat

trien rat nhanh.

Tuy nhien, phat bidu tiii hoi

thao, eac chuyen gia cho rdng, he

thdng NH hien liii vdn cdn nhidu

hlin che, trong do, hieu qua eiia cac

chinh saeh lrong viec duy ui on

dinh tien te chua cao; viec sir dung

cac c6ng cu chi'nh sach cdn bi

dgng, liing tiing, chua du bao dugc

nhiing tac dgng tii mdi trudng kinh

le; phuong phap, cdng nghe thanh,

kidm Ua cdn lac hau. Cac NH phat

trien nhanh ve so lugng nhung

khong tuong ddng ve chiii lugng,

tdc do tang trudng tien giri khong

theo kip lang tmdng tin dung; nang

lire tai chi'nh, quiin tri cdn nhidu bat

cap. Nguyen nhiin cua tinh Uang

Uen la do tinh ddc lap ciia NHNN

chua cao; chinh sach lidn te phai

cimg llie theo dudi nhieu muc lieu;

chua ed sir phdi hgp ddng bg giiia

chinh sach lien te va chinh sach tai

khoa d ca khau hoach dinh va thuc

thi; he thdng \an ban phap ly thieu

ddng bd, chua theo kip thdng le

qud'c le vii thuc tc hoiit dgng; uong

Sd duny cong cu Ghinh sach tien te

van b| ddng, lung tung

Do la nhan d|nh cua TS Nguyen Thj Kim Thanh, Vien truoing Vien

Chien inofc ngan hang tai hpi thao Hoan thien the che liinh te thj

trirong, nang cao hieu luc, hieu qua quan ly nha nudfc do Vien Chien

luoc phat trien. Bo l(H&DT to chiJfc trong cac ngay 6-7/4 tai Ha Npi.

khi dd, ngudn nhan lire hiin che ca

chai lugng, sd lugng; nang lire phan

tich, du bao tac dgng eiia chinh

sach den didn bien thi trudng tien te

va cac chi so kinh te vi md nhu: lam

phat, tang trudng kinh te, ty Ie that

nghiep deu yeu.

Vi vay, Iheo cac chuyen gia.

muc tieu trong giai doan 2011-

2020 la phai phat trien toan dien,

an loan, ben virng va hien diii,

theo dd phai dam bao tfnh canh

tranh; lanh manh, dn dinh; tfnh

minh bach, cdng khai; kha nang

tiep can de dang va dam bao eac

yeu cdu hgi nhap. O mgt gdc do

khae, TS Nguydn Thi Kim Thanh

cho rang, van dd cdt ldi la phai thu

hiit dugc ngudn tien tiet kiem giri

vao cac TCTD, tir dd ddn vd'n sang

cac nganh kinh te quan trgng.

Mudn vay, cdn dn dinh gia ca vdi

ty le lam phat thap; ty le lai suat

thuc dii cao de thu hiit ngudi giri

tien, neu khdng hgi dii didu kien

dd, ngudi dan se bao loan tai san

bang each mua vang, bat dgng

san, ngoai te. Vdi cac NH, phai

dam bao Idng tin vung chdc vdi

cdng chiing, san pham dich MI tai

chinh da dang; cd chfnh sach bao

ve ngudi giri tien, ngudi sir dung

^ Bai & dnh: VIET TUAIM

1

dich vu NH thdng qua viec hoan

thien he thdng phap ly, he thdng

bao hiem tidn gui, cac chi'nh sach

khuyen khich dau tu dai ban.

Ngoai ra, phai tung budc co ca'u

lai md hinh td chu'c NHNN, tao lap

bg may tinh ggn, chuyen mdn hoa

cao, dam bao hieu lire, hieu qua

trong quan ly didu hanh; cai thien

nhanh hieu qua he thdng co .so ha

tang ky thuat cdng nghe thdng tin;

nang cao chat lugng ngudn nhan

lire; hinh thanh ddng bg khuOn khd

phap ly. Doi vdi cac TCTD, can

phat trien theo hudng da dang hoa

hinh thiic sd huu, cac loai hinh hoat

dgng cd nang luc canh tranh tren

thi trudng tai chfnh ngi dia va qudc

te. Tai co cau cac NHTM cd vdn

nha nudc chi phdi de nang cao sue

canh tranh, phat trien eac NH nay

thanh cac dinh che tai chfnh giu vai

trd chil dao tren thi trudng. Ddi vdi

cac NHTM ed phan, can day qua

trinh tang vd'n, ap dung nghiem

ngat eac quy dinh; tang cudng quan

ly, xir ly cac yeu kem; thiel lap

phuong an sap nhap, chuyen ddi

md hinh, tham chf ddng cira cac

NH nhd, khdng dii didu kien de

dam bao cac TCID hoat dgng hicu

qua trong didu kien hgi nhap •

18 Thue Nha Ntiac • s o I5(32<)-K S 342011