Vì sao quỹ tín dụng việt nam vẫn an toàn phát triển

NGHIEN CUU-TRAO Ddl

V ; §00 QIIY HN DUNG VIET NAM

van an toioi phat trim^

VAN TAO

Khiing hoang tai chinh

My nd ra ngdy

15/9/2008 , khi nga n

hdng Lehman Brothers sup do',

ddnh dau vu pha san ldn nha t

liii My; Merrill Lynch bi Bank of

America Corp thau tdm;

American International Group -

tap dodn bdo hie'm liin nhd't the'

giiii mdt kha nang thanh todn do

nhifng khoan thua Id lien quan

liii iK.i cam ed. Ddy la ngdy ldi

tc nhd't tiii Phd Wall kd tii' khi

liii tru'dng nay md cifa trii ltd sau

vu khiing bd 2 toa thap ddi ttii

My vdo Ihdng 9 nam 2001 .

Khdng chi cdc ngan hang My ma

cdn nhicu djnh che' Lai chinh eac

iiu'i)c nhu' Anh, Difc, Phap, Nhdt

v.\'... Cling bi qudc hifu hda hotic

phd sdn. Chinh phii cac nudc da

phai bd ra hang ngan ly dd hi

dc niua liii hoiic sap nhtip. 'I'heo

Kcutcrs, lit ddu nam 2009 tiii

thang 9/200 9 cac nha chifc

trach My da lam Lhii tuc giai the

89 ngiin hang d nu'dc nay \'a 25

ngtin hdng bj stip tiem trong

iiiliii 2008. trong dd ngan hang

c(i c|uv nid Uin nhiit la Vaiitus

liiuik \-iii liuig tai siin 458 trieu

USD va quan ly 368 trieu USD

tdi san ciia khach hdng. O Lhdi

diem cudi quy 2, Cd quiin bao

hicm tidn gifi Lien bang My

(Fl)IC) da lie I 416 ngan han g

vat) danh siicli nhiTng nha bang

cii nguy CO' d(") \'o.

Ddi vd'i he thdng lai chinh

Viet Nam tuy khiing hoang ldi

chinh khdng tae dpng tri.fc tidp

nhdng nam 2008 ciing bi lao dao

vi chd'ng lam phdt tang cao. De

tha i chtlL chinh sdch Lien le.

NHNN dd 3 lan lang lai suat cd

ban lif 8.75%) ten 14%;/nam, keo

Iheo lai sua't tin dung tang den

21%i/nam, nhieu ngan hang nhi)

difng tru'iic nguy vd nii ro thanh

khoan do thieii \'d'n, mpt sd Nil

phai huy ddng \'di ldi sua't ctio

len ddn 19.3'Mi/nani, \'ay \-(Vn

tren Ihi tru'dng lien ngfin hang

len ddn ho'n 40','n hotic \'ay

NHNN de dam bao khd nung chi

trti. Du'dc su' chi dt.io kip tlio'i ciia

Chinh phii va true I idp la NHNN.

he lining lai chinh mii chung va

he tilling ngan hang nu'iic ta van

hotit dpng an loan, khdng cii

ngan hang nao bi phti siin, sap

nluip nhu' dif biio ciia mpl si") ti")

chifc nu'iic ngoai. He thdng Quy

tin dung nhan ddn (QTDND) mdt

id vhiiv tin dung thu()c loai qu_\'

mi") nhi) \'(')i tiing ngudn \'(iri loan

he Llid'n.g la ho'n 1.208 trieu

USD. binh ciuaii mdi quy chi ci)

1,1 triiai USD nhifng \'an difng

\'iTng \'a phiil trien Irong ciin bdo

tai chinh toan cau mini 2008.

'I'hco .NIINN ddn cuo'i :iam

2008 ca nu'iic cd 1.015 QTDND

Cl) sii hoiit d()ng trim dia bun 56

tuili. ihanh phd Lang 29 quy so

\i)i nam 2007, Sd Ihdnh \ii'n gia

nh.ip dtn 1.349.804 ngu'di tang

I 10.762 Ihanh vien va 10.427;,;

long sd nguiin viVn dtit 16.674 ly

ddng. Lang 3.042 ly ddng va

\S.2A"/i>. trong dd \-dn didu le dat

779 ly lang 161 ty diaig va

20.66'M). \-rin buy diing dtjt

12.329 ly lang 2.995 ty ddng va

24.29'>'ii. dif nd cho \'ay dtit

14.142 ty lang 2.426 ty ddng vd

17.15'Mi. no xau la 75 ty bdng

0,53'.^i long dif ni.i. ldi nhua n

Iruric Ihue dat 183 ty Lang 20 L.v

so viii nam 2007.

Nam 2008 xdp loai 1 cd 555

Quy chidm ly le 55,06'M.: loai 2

cii 290 Quy. chidm ly Ic 28.77%);

lotii 3 VI) 134 Quv chii'in ty le

13,29':^,; loai 4 cd 21 Quy, chiem

ly le 2.08'!:,; loai 5 cci 8 Quy,

chidm ly le 0.79'Vi... Chi lieu \'d

khii nting chi Ird v() 910 Quv xe'p

loi.ii 1 chiem 90,28%.. loiji 4 vd 5

cii 37 Qui' chidm 3,67'M,. Vc cha'L

lu'i.ing hoal dpng vn 10 quy ton

tai vdu ki'-m dang du'i.ic NH.NN

tir-'p luc chtin chinh. cimg ciV.

Uifdc sang nam 2009.

QTDND khinig nam Irong diVi

tilling du'i.ic cho \'ay lii) tri.i ldi

sutiL, nen lai sud't cho \'ay cao

hiin cac ngan hdng Ihu'iiiig mai

lai suiil huy dpng ti-cn ihi Iru'dng

tidp luc gia Lang, su ci.mh Iranh

trii nen qu_\'ci licl lio'n. giiy khi)

khan cho hi.ial diuig ciia he

IhiVng QTDND nhu'ng nhd phat

huy li.ii the "san nha ' va la to'

chifc di a chinh cac Ihanh vien

nen 6 thdng dau nam 200i) van

di.it du'i.ic thanh tich dang

khich le: SiV lu'i.ing QTDND ^^^

THUUHG MAI So 29/2009 I 1 3