Thị trường tiền tệ - ngân hàng 2015

-HOATOONG NGAN HANG NAM 2015. OjNH HUGNG NAM 2016

N

am 2015 chung kien

nhiing thdnh cdng vugt

trgi cua kinh ti Viet Nam

m tdng trudng GDP, giU dn dinh

n md, kiim sodt thi trudng vd hi

'hong tdi chinh - ngdn hdng, cdi

'hien mdi trudng ddu tu vd phdt

triin kinh ti ddi ngoai, chu dgng

hoi nhdp qudc te... Gdp phdn

lam nin nhimg thdnh cdng ndy

CO su nd luc quyet Hit, linh hoat,

ddng trdn trgng cua ngdnh Ngdn

hdng, dgc biit la su cgng hudng

hi qud hdng loat bien phdp ndi

bdt: Tam dimg cdp phep thdnh

lap ngdn hdng vd TCTD mdi;

Ndi "room" ty le sd hifu cd phdn

td chicc tdi chinh - tin dung cho

ngudi nude ngodi vd ngudi Viet

Nam dinh cu a nude ngodi; Gia

tdng kiim sodt gidm thieu quy

md, mat trdi cua tinh trgng sd hieu

cheo vd tinh trgng sd hOu cdphdn

vugt ty le cho phep, tdng su minh

bach trong hoat dgng kinh doanh

ngdn hdng; Thiic ddy cdc hoat

ddng sdp nhgp, hgp nhdt, mua

lgi cdc TCTD tren nguyen tdc tu

figuy$n vd bdt budc theo quy dinh

cua phdp lugt, diiu chinh ^ gid.

idi sudt tiin giH bdng USD vd dua

ngxdu ngdn hdng xudng dudi 3%

tdng dung...

1. Klii M&A ngan hang vdi gia

Odong

Tdi ca cdu he thdng cdc ngdn

hdng thuang mai (NHTM) va

td churc tin dung (TCTD) la

ndi dung quan tipng ciia qud

tiinh tdi co cau nen kinh te Viet

Nam da dupe xac dinh ro tiong

Quylt dinh 254/QD-TTg ngdy

01/03/2012 cua Thii tudng Chinh

phu thdng qua De dn 254 "Co cdu

lai he thdng cdc td chiic tin dung

giai doan 2011 - 2015"; sau do,

duac khdng dinh lai nhu mot ndi

dung hpp thdnh cua De an tdng

thi tai CO cdu gan vdi chuyen ddi

* Bdo Nhan Dan

** Vien KTSCHG

TH! TRUIMG HEN TE-NliAN HANG 2015

^TS. Nguyin Minh Phong * /. /

Nguyin Tran Minh Tri ** ^""

md hinh tdng tiudng theo hudng

ndng cao chdt lupng, hieu qud

va ndng li^c canh tranh giai doan

2013 - 2020 tiong Quyet dinh so

339/QD-TTg ngdy 19/02/2013

cua Thu tudng Chinh phii.

Trong giai doan 2012 - 2013,

cd 8 ngan hdng yeu kem da tumg

budc thuc hien phuong dn tdi co

cdu la NHTMCP Sdi Gdn (SCB),

NHTMCP De Nhdt (Ficombank),

NHTMCP Viet Nam Tin Nghta

(TinNghiaBank), NHTMCP Nha

Hd Ndi (Habubank), NHTMCP

Tien Phong (TienPhongBank),

NHTMCP Nam Viet (Navibank),

NHTMCP Dai Tin (TrustBank)

vd NHTMCP Phuong Tdy

(Western Bank).

Giai doan nam 2013 - 2014, co

5 TCTD dd th\rc bi^n mua bdn

vd sdp nhdp (M&A); 3 chi nhdnh

ngdn hdng nude ngoai da gidi

the, nit gidy phep va 4 NHTM

nhd nude dupe cd phan hda.

Nam 2015, tiep tuc cd them

nhung thuong vu M&A giiia

NHTMCP Ddu hi vd Phdt triln

Viet Nam (BIDV) vdi NHTMCP

Phat trien Nha Ddng bang sdng

Cuu Long (MHB); NHTMCP

Hdng Hdi Viet Nam (Maritime

Bank) vdi NHTMCP Phdt triln

Me Kdng (MDB); NHTMCP

Cdng Thuong Viet Nam

(VietinBank) vdi NHTMCP

Petiolimex (PGBank); va giiia

NHTMCP Sdi Gdn Thuong Tin

(Sacombank) vdi NHTMCP

Phuong Nam (Southem Bank).

Ddc biet, trong nam 2015, ldn

ddu tien NHNN da mua lai 3

NHTM vdi gid 0 ddng (NHTMCP

Dai Duong - OceanBank - ngdy

25/4/2015; NHTMCP Xdy

dung Viet Nam - VNBC - ngdy

5/3/2015 vd NHTMCP Ddu

khi todn cdu - GPBank - ngdy

7/7/2015).

Sau 4 nam th\rc hien De an

"Co cau lai he thdng cac td chiic

tin dung giai do ^ 2011 - 2015"

ciia NHNN, he thdng ngan hang

Viet Nam dd gidm 17 td chiic,

cdn cd mpt NHTM nha nude

(Ngdn hdng Ndng nghiep va

Phat trien ndng thdn Viet Nam),

37 NHTMCP (kl cd ba NHTM

dd hi NHNN mua lai vdi gid 0

dong), 5 ngdn hang 100% vdn

nude ngodi, 4 ngdn hdng lien

doanh, 01 ngdn hdng chinh sdch

va 01 ngdn hdng hop tdc xd.

Hoat ddng M&A ndi chung,

tiong ITnh vuc tdi chinh - ngan

hdng ndi rieng da, dang vd se

tiip tuc phdt tiien cd be rpng

vd be sau, trong pham vi qudc

gia, cung rihu tien pham vi todn

cdu, khi cd khiing hoang kinh te,

ciing nhu vdo nhiing giai doan

kinh te phdt tiien tdt. M&A 1dm

thay ddi co cdu sd huu, quyin

kiem sodt, dieu hdnh, ndng luc

tdi chinh vd quy md kinh doanh,

tir dd gdp phdn md ra nhtmg co

hdi kinh doanh mdi, tdng cudng

vi the canh tianh vd hieu qud

kinh doanh cua doanh nghiep;

thiic ddy ldn sdng tdi cdu tnic,

cdi thien ca cdu vd dp md, sir

gan ket vd khd nang tham gia

vao chudi cung ling todn cdu

ciia mdi doanh nghiep noi rieng,

cua nen kinh te ndi chung. Hoat

dpng M&A giiip ldnh manh hoa

he thdng ngdn hdng vd tiep tuc

gidm mat bang lai sudt cho vay.

Cdc NHTM tham gia hoat ddng

M&A khdng chi cd them co hpi

vupt qua nguy co bi tuyen bd

phd sdn, ma cdn cd co hdi md

TAP CHi NGAN HANG I SO 3+4 I THANG 2/2016 Q