TIU LUN: BC TRANH CA H THNG T CHC TN DNG TI VIT NAM TNH N THI IM HIN TI. C IM CA TNG T CHC TN DNG.

I. Tng quan v h thng t chc tn dng ti Vit Nam.1. c im h thng t chc tn dng. 1.1. Khi nim t chc tn dng.T chc tn dngl doanh nghip thc hin mt, mt s hoc tt c cc hot ng ngn hng. T chc tn dng bao gm ngn hng, t chc tn dng phi ngn hng, t chc ti chnh vi m v qu tn dng nhn dn. Hot ng ngn hngl vic kinh doanh, cung ng thng xuyn mt hoc mt s cc nghip v sau y: Nhn tin gi. Nhn tin gi l hot ng nhn tin ca t chc, c nhn di hnh thc tin gi khng k hn, tin gi c k hn, tin gi tit kim, pht hnh chng ch tin gi, k phiu, tn phiu v cc hnh thc nhn tin gi khc theo nguyn tc c hon tr y tin gc, li cho ngi gi tin theo tha thun. Cp tn dng. Cp tn dngl vic tha thun t chc, c nhn s dng mt khon tin hoc cam kt cho php s dng mt khon tin theo nguyn tc c hon tr bng nghip v cho vay, chit khu, cho thu ti chnh, bao thanh ton, bo lnh ngn hng v cc nghip v cp tn dng khc.

Cung ng dch v thanh ton qua ti khon. Cung ng dch v thanh ton qua ti khonl vic cung ng phng tin thanh ton; thc hin dch v thanh ton sc, lnh chi, y nhim chi, nh thu, y nhim thu, th ngn hng, th tn dng v cc dch v thanh ton khc cho khch hng thng qua ti khon ca khch hng. 1.2.1 Ngn hng Thng miNh ncL loi hnh ngn hng c thc hin tt c cc hot ng ngn hng v cc hot ng kinh doanh khc theo quy nh ca Lut ny nhm mc tiu li nhun.

DANH SCH 5 NGN HNG THNG MI NH NC

STTTn ngn hnga chNgy cp phpVn iu l/vn c cp (t ng)

1NH TMCP Ngoi Thng VitNamJoint Stock Commercial Bank for Foreign Trade ofVietnam

198 Trn Quang Khi H Ni286/Q-NH5 ngy 21/9/199623.174

2NH TMCP Cng Thng VitNamVietnam Bank for Industry and Trade

108 Trn Hng o, H Ni142/GP-NHNN ngy 03/7/200920.230

3NH TMCP u T v Pht trin VitNamJoint Stock Commercial Bank for Investment and Development ofVietnam

Thp BIDV 35 Hng Vi, qun Hon Kim, H Ni84/GP-NHNN ngy23/4/201223.011.705.420.000 ng

4NH Nng nghip v Pht trin nng thn VitNamVietnam Bank for Agriculture and Rural Development

36 Nguyn C Thch, khu th M nh I, T Lim, H Ni.280/Q-NH5 ngy 15/01/199620.708

5Ngn hng Pht trin Nh ng Bng Sng Cu LongHousing Bank ofMekongDelta

S 9 V Vn Tn Qun 3- TP. H Ch Minh769/TTg ngy 18/9/19973.055

1.2.2 Ngn hng Thng mi C phn

Ngn hng hot ng kinh doanh, thng mi theo m hnh c phn v tun theo cc lut ring ca Chnh ph v cc quy ch, quy nh ca Ngn hng Nh nc Vit Nam khi hot ng. Gi l ngn hng thng mi c phn phn bit vi cc ngn hng thng mi nh nc v ngn hng thng mi lin doanh v chi nhnh ngn hng thng mi nc ngoi ti Vit Nam.

DANH SCH 34 NGN HNG THNG MI C PHN

STTTN NGN HNGA CHNGY CP GPVn iu l/vn c cp (t ng)

1Hng HiTa nh Sky Tower A-88 Lng H - Qun ng a - H Ni8/6/19918

The Maritime Commercial Joint Stock Bank0001/NHGP

2Si Gn Thng Tn266-268Namk Khi ngha - Q3 - HCM5/12/199110.74

Sacombank0006/NHGP

3ng (EAB)130 Phan ng Lu Qun Ph Nhun- TPHCM27/3/924.5

DONG A Commercial Joint Stock Bank0009/NHGP

4Xut Nhp Khu(Eximbank)Tng 8 Vincom Center 72 L Thnh Tn v 47 L T Trng, Phng Bn Ngh - Q1 - TP.HCM6/4/199212.355

Viet namCommercial Joint Stock0011/NHGP

5Nam (NAMA BANK)201 203 Cnh Mng Thnh Tm, Phng 4 Q3- TP. HCM22/8/923

NamA Commercial Joint Stock Bank0026/NHGP

6 Chu(ACB)442 Nguyn Th Minh Khai-Q3- TP.HCM24/4/939.376

Asia Commercial Joint Stock Bank0032/NHGP

7Si gn cng thngS 2C- Ph c Chnh- Q1- TP.HCM4/5/19933.04

Saigon bank for Industry & Trade0034/ NHGP

8VitNamThnh vng(VPBank)S 8 L Thi T, Q Hon Kim. H Ni12/8/19935.05

0042/ NHGP

9K thng(TECHCOMBANK)191 B Triu (Thp B) - Phng L i Hnh, Q. Hai B Trng H Ni6/8/19938.788

Viet NamTechnologicar and Commercial Joint Stock Bank0040/ NHGP

10Qun i(MB)03 Liu Giai- Qun Ba nh H Ni14/9/947.3

MilitaryCommercial Joint Stock Bank0054/ NHGP

11Bc 117 Quang Trung TP. Vinh- Ngh An1/9/19943

BACA Commercial Joint Stock Bank0052/ NHGP

12Quc T(VIB)198B Ty Sn H Ni25/01/964.25

Vietnam International Commercial Joint Stock Bank0060/ NHGP

13ngNam(SeAbank)25 Trn Hng o, Qun Hon Kim - H Ni25/3/945.334

Sotheast Asia Commercial Joint Stock Bank0051/ NHGP

14Pht trin TP.HCM(HDBank)25 Bis Nguyn Th Minh Khai, Phng aKao - Q1-TP.HCM6/6/19923

Housing development Commercial Joint Stock Bank0019/ NHGP

15PhngNam279 L Thng Kit Q11-TP HCM17/3/934

Southern Commercial Joint Stock Bank0030/ NHGP

16Bn VitTa nh s 112-114-116-118 ng Hai B Trng, Phng aKao, Qun 1, TP.HCM22/8/923

17Phng ng(OCB)45 L Dun QI- TP.HCM13/4/963

18SiGn(SCB)972 Trn Hng o, Q5, TP.HCM26/12/201110.583,801

Sai Gon Commercial Bank283/GP-NHGP

19Vit (VIETA BANK)115-121 Nguyn Cng Tr QI-TP.HCM9/5/20033.098

Viet A Commercial Joint Stock Bank12/ NHGP

20Si gn H ni(SHB)77 Trn Hng o Hon Kim H Ni0041/NH-GP4.815

Saigon-HanoiCommercial Joint Stock Bank13/11/93

21Du Kh Ton CuCapital Tower s 109 Trn Hng o, phng Ca Nam, qun Hon Kim, H Ni.0043/NH-GP3

Global Petro Commercial Joint Stock Bank13/11/93

31/Q-NHNN

11/1/2006

22An Bnh(ABB)170 Hai B Trng, Phng aKao, Qun 1 - TP.HCM0031/NH-GP4.199

An binh Commercial Joint Stock Bank15/4/93

505/NHNN-CNH

24/5/2005

23NamVit343 Phm Ng Lo Q1- TP.HCM18/9/953.01

Nam Viet Commercial Joint Stock Bank0057/ NHGP

970/Q-NHNN

18/5/2006

24Kin Long44 Phm Hng Thi, TP. Rch Gi, tnh Kin Giang0054/NH-GP3

Kien Long Commercial Joint Stock Bank18/09/95

2434/Q-NHNN

25/12/2006

25VitNamThng tnTng 2 Ta Nh 47 Trn Hng o, TP. Sc Trng,tnh Sc Trng2399/Q-NHNN3

Viet Namthuong Tin Commercial Joint Stock Bank15/12/2006

26NH i Dng199 ng Nguyn Lng Bng, TP. Hi Dng30/12/935

OCEANCommercial Joint Stock Bank0048/ NHGP

104/Q-NHNN

9/1/2007

27Xng du PetrolimexVn phng 5, nh 18T1-18T2 khu th mi Trung Ha-Nhn Chnh, ng L Vn Lng, H Ni.13/11/932

Petrolimex Group Commercial Joint Stock Bank0045/ NHGP

125/Q-NHNN

12/1/2007

28Phng Ty127 L t Trng, phng An Ph, Qun Ninh Kiu, TP Cn Th6/4/19923

Wetern Rural Commercial Joint Stock Bank0061/ NHGP

1199/Q-NHNN

5/6/2007

29i Tn145-147-149 ng Hng Vng, Phng 2 TX Tn An, tnh Long An29/12/933

Great Trust Joint Stock Commercial Bank0047/ NHGP

1931/Q-NHNN

17/8/2007

30i 56-58 Cch mng thng Tm,TP.Bin Ho, ng Nai23/9/933.1

Great Asia Commercial Joint Stock Bank0036/ NHGP

2402/Q-NHNN

11/10/2007

31Bu in Lin Vit32 Nguyn Cng Tr, th x V Thanh, tnh Hu Giang91/GP-NHNN6.4

LienViet Commercial Joint Stock Bank28/3/2008

32Tin PhongTa nh FPT ph Duy Tn, phng Dch Vng Hu, Cu Giy, H Ni123/GP-NHNN3

TienPhong Commercial Joint Stock Bank5/5/2008

33Pht trin M Kng248 Trn Hng o, TX Long xuyn, An Giang12/9/19923.75

Mekong Development Joint Stoct Commercial Bank0022/ NHGP

2037/Q-NHNN

16/9/2008

34NH Bo VitS 8 L Thi T, qun Hon Kim H Ni328/GP-NHNN ngy 11/12/20081.5

Bao Viet Joint Stock Commercial Bank

1.2.3 Chi nhnh Ngn hng nc ngoi : DANH SCH 50 CHI NHNH NGN HNG NC NGOI

STTTN TCTDA CHNGY CP GPVn iu l/vn c cp(Triu USD)

1NATIXIS (Php)173 V th Su, Qun 3 -TP.HCM12/6/199215

06/ NHGP

2ANZ (c)- CN H Ni14 L Thi T H Ni15/6/199220

07/ NHGP

3BIDC TP.HCM110 ng Cch Mng Thng 8, Qun 3 TP.HCM18/12/200915

284/GP-NHNN

4BIDC H Ni10A Hai B Trng, Q. Hon Kim H Ni22/4/201115

88/GP-NHNN

5Crdit Agricole- CN HCM21-23 Nguyn Th Minh Khai -1/4/199245

TP H Ch Minh02/NH-GP

6Crdit Agricole- CN H NiH Ni Tower, 49 Hai B Trng, H Ni.27/5/1992

04/ NHGP

7STANDARD CHARTERED BANK (Anh)Phng s 18F, tng 18, to thp Keangnam Hanoi Landmark ti l E6, khu th mi Cu Giy, x M Tr, huyn T Lim, H Ni1/6/199420

12/ NHGP

8STANDARD CHARTERED BANK (Anh)SaigonTradeCenter, 37 Tn c Thng, Q.I TP.HCM28/12/200515

12/GP-NHNN

9CITI BANK- CN H Ni17 Ng Quyn - H Ni19/12/199420

(M)13/NHGP

10CITI BANK- CN. TP H Ch Minh115 Nguyn Hu - TP.H Ch Minh (CN Ph)22/12/1997

(M)35/NH-GPCN

11TaipeiFubon Bnh ThnhTng 5, cao c vn phng 194 Golden Buiding, 473 in Bin Ph, phng 1 Qun Bnh Thnh, TP.HCM8/1/200819

02/GP-NHNN

12TaipeiFubon H NiTng 22, Ta nh Grand Plaza Charmvit Tower, S 117 Trn Duy Hng, phng Trung Ha, Q.Cu Giy H Ni9/4/199330

11/NHGP

13Taipei Fubon Chi nhnh ph TP.H Ch Minh235 in Bin Ph, Phng 7, Q.3 TP.HCM24/12/1994

07/NH-GPCN

14MAY BANK- CN H Ni63 L Thi T - H Ni15/8/199515

(Malaysia)22/ NHGP

15MAY BANK- CN TP. HCMCao cSunWahTower, 115 Nguyn Hu, Qun 1, Tp.HCM29/3/200515

(Malaysia)05/NHNN-GP

16BANGKOK BANK CN TP. H Ch Minh35 Nguyn Hu - QI TP.HCM15/4/199265

(Thi Lan)03/ NHGP

17Ngn hngBangkok Chi nhnh H NiPhng 3, tng 3, Trung tm Quc t, 17 Ng Quyn, Qun Hon Kim H Ni6/3/200915

48/GP-NHNN ngy

18MIZUHO CORPERATE BANK (Nht)63 L Thi T - H ni3/7/1996133,5

26/ NHGP

19MIZUHO Co. Bank CN TP.HCMTng 18 To nh Sun Wah 115 i l Nguyn Hu, Qun I, TP.HCM30/3/2006 02/GP-NHNN133,5

20BNP (Php)SaigonTower, 29 L Dun, Q1 - TP.HCM5/6/199275

05/NHGP

21HSBC chi nhnh HCM235 ng Khi, Qun 1 TP.HCM22/3/199515

15/NHGP

22UNITED OVERSEAS BANK (UOB) (Singapore)17 L Dun - QI - TP.HCM27/3/199515

18/NHGP

23DEUSTCHE BANK65 L Li Q1- TP.HCM28/6/199550,08

(c)20/NHGP

24BANK OFCHINA,HoChiMinhCityBranch115 Nguyn Hu - QI- TP.HCM24/7/199515

(Trung Quc)21/ NHGP

25BANK OF TOKYO MITSUBISHI UFJ- Chi nhnh TP.H Ch Minh (Nht)5B Tn c Thng - QI - TP.HCM17/02/1996145 (bao gm 15 triu USD ca chi nhnh ph H Ni)

24/ NHGP

26BANK OF TOKYO MITSUBISHI UFJ- Chi nhnh H NiTng 6, Ta nhPacific Place, 83 L Thng Kit - H Ni (CN Ph)5/9/199815

27Mega international Commercial Bank Co, HoChiMinh City Branch.5B Tn c Thng - QI - TP. HCM3/5/199690

(i loan)25/ NHGP

28OCBC (Singapore)Si gn Tower 29 L Dun; Qun I; TP.HCM31.10.9625

27/ NHGP

29WOORIBANK Chi nhnh H Ni360 Kim M - H Ni10/7/199767

(Hn Quc)16/ NHGP

30WOORI BANK- Chi nhnh H Ch Minh115 Nguyn Hu, Qun I, TP.HCM20/12/200567

1854/GP-NHNN

31JP MORGAN CHASEBANK (M)29 L Dun Q1 TP.HCM27/7/199977

09/ NHGP

32KOREA EXCHANGE BANK (Hn Quc)360 Kim m - H Ni29/8/199867

298/ NHGP

33NHLO VIT452 ph X n, qun ng a H Ni23/3/200015

(Lo)05/ NHGP

Lao-Viet Bank,HaNoiBranch

34NHLO VIT HCM181 Hai B Trng, QI. TP.HCM14/4/200315

LAO-VIET BANK, HOCHIMINH CITY BRANCH08/ NHGP

(Lo)

35CHINATRUST COM.BANK, HOCHIMINH CITY BRANCHAsia Plaza Saigon, S 39 ng L Dun, Qun I TP.HCM6/2/200250

(i Loan)04/ NHGP

36FIRST COMMERCIAL BANK, HOCHIMINH CITY BRANCH88ng khi Q1- TP.HCM9/12/200240

(i Loan)09/ NHGP

37FIRST COMMERCIAL BANK H NiTa nh Grand Plaza Charmvit Tower, S 117 Trn Duy Hng, phng Trung Ha, Q.Cu Giy H Ni210/GP-NHNN15

38FENB (M)S 2A-4A, Tn c Thng, Qun I, TP.HCM20/5/200415

03/NHNN-GP

39CATHAY UNITED BANKChuLai Branch,VietNam(i Loan)S 123 Trn Qu Cp, Th x Tam K, Tnh QungNam29/6/200545

08/GP-NHNN

40SUMITOMO (NHT)- CN TP. H Ch MinhLu 1, ta nhIWA Square, 102A-B Cng Qunh, phng Phm Ng Lo, Q1, TP.HCM20/12/2005165

1855/GP-NHNN

41Sumitomo Chi nhnh H NiTng 6, Ta nh Pacific Place, 83 L thng Kit - H Ni4/11/2008335

292/GP-NHNN

42HUA NAN COMMERCIAL BANK, LTD HOCHIMINH CITY BRANCHLu 1, ta nhIWA Square,102A-B Cng Qunh, phng Phm Ng Lo, Q1, TP.HCM23/7/200665

(i loan)07/GP-NHNN

43COMMONWEALTH BANKTng trt v tng 3, ta nh Han Nam, 65 Nguyn Du, Q1, Tp.HCM8/1/200828

03/GP-NHNN

44INDUSTRIAL BANK OFKOREATon nh Hannan 65 ng Nguyn Du, Q1, TP.HCM8/1/2008115

(Hn Quc)04/GP-NHNN

45Industrial and Commercial Bank of China Ltd- CN H NiPhng 0105-0106 tng 1 v Phng 0307-0311 tng 3 Trung tm thng mi Daeha, 360 Kim M, Phng Kim M, qun Ba nh, H Ni10/12/200950

272/GP-NHNN

46China Construction Bank Corporation- CN TP. H Ch MinhPhng 1105-1106 tng 11, Sailing Tower, 111A ng Pasteur, Phng Bn Ngh, Qun 1, TP. H Ch Minh10/12/200930

271/GP-NHNN

47DBS Bank Ltd- CN TP. HCMTng 11, Saigon Centre, 65 l li, Qun 1, TP.HCM12/1/201020

09/GP-NHNN

48The Shanghai Commercial & Savings Bank, Ltd - Chi nhnh ng NaiShop 29, Trung tm thng mi BigC ng Nai, phng Long Bnh Tn, thnh ph Bin Ha, tnh ng Nai23/9/201015

211/GP-NHNN

49Bank of CommunicationTng 17, Vincom center, 72 L Thnh Tng, Q1, TP.HCM22/10/2010236/GP-NHNN50

50KookminKumnoAsiaPlazas 39 ng L Dun, Qun 1 TP.HCM19/1/201116

21/GP-NHNN

1.2.4 Ngn hng Lin doanhNgn hng lin doanh l kt qu ca s hp tc v mt kinh t gia Chnh Ph v Ngn hng Trung ng ca cc nc vi nhau, m ra c hi hp tc gia hai nn kinh t, hai h thng ti chnh.

DANH SCH 4 NGN HNG LIN DOANH

TTTNA CHNGY CP GIY PHPVniu l/vnc cp(triuUSD)

1VID PUBLIC BANK53 Quang Trung - H Ni25/3/9262,5

01/ NHGP

2INDOVINA BANK LIMITTED39 Hm Nghi - QI - TP.HCM21/11/90165

135/GP-NHGP

3VIT THI2 Ph c Chnh - QI - TP.HCM20/4/9561

VINASIAM BANK19/ NHGP

4VIT NGAS 1 Yt Kiu, Qun Hon Kim H Ni11/GP-NHNN 30/10/2006168,5

Vietnam-Russia Joint Venture Bank

DANH SCH NGN HNG 100% VN NC NGOI(n 15/6/2012)

STTA CHVn iu l/ vn c cp

TN NGN HNGNGY CP GIY PHP(T ng)

1HSBC235 ng Khi, phng Bn Ngh, qun 1, TP.H Ch Minh235/GP-NHNN ngy 08/9/20083.000

2Standard CharteredTo nh Kengnam, l E6, khu th mi Cu Giy, x M Tr, huyn T Lim, H Ni236/GP-NHNN ngy 08/9/20083.000

3ShinhanVietnam100 Nguyn Th Minh Khai - Phng 6 - Qun 3 - TP.HCM29/12/20087.547,1

341/GP-NHGP

4ANZTa nh Suncity, 13 Hai B Trng, H Ni268/GP-NHNN ngy 09/10/20083.000

5Hong LeongPhng 1203 Si Gn Trade centre, 37 Tn c Thng, qun 1, TP.H Ch Minh342/GP-NHNN ngy 29/12/20083.000

1.2.5 Ngn hng chnh sch : Ngn hng chnh sch x hi Vit Nam (NHCSXHVN) c thnh lp theo quyt nh s 131/2002 Q-TTg ngy 04/10/2002 ca Th tng Chnh ph nhm tch tn dng chnh sch ra khi tn dng thng mi trn c s t chc li Ngn hng, cung cp ti chnh cho ngi ngho v doanh nghip nh. y l n lc rt ln ca Chnh Ph Vit Nam trong vic c cu li h thng Ngn hng nhm thc hin chng trnh mc tiu quc gia v cam kt trc cng ng quc t v xa i gim ngho. Hot ng ca NHCSXHVN khng v mc ch li nhun.

STTTn ngn hnga chNgy cp phpVn iu l/vn c cp (t ng)

1Ngn hng Chnh sch x hi Vit NamKhu CC5 bn o Linh m, Hong Lit, Hong Mai, 131/2002/Q-TTg ngy 04/10/20028.988 t ng

1.2.6 Ngn hng hp tc x L ngn hng ca tt c cc qu tn dng nhn dn do cc qu tn dng nhn dn v mt s php nhn gp vn thnh lp theo quy nh ca Lut ny nhm mc tiu ch yu l lin kt h thng, h tr ti chnh, iu ha vn trong h thng cc qu tn dng nhn dn. (Ngn hng HTX c hnh thnh trn c s ng gp vn t nguyn ca cc HTX l thnh vin, ch yu huy ng vn t thnh vin v ch cho thnh vin vay vn. Cc thnh vin khi s dng cc dch v ti chnh - ngn hng ca Ngn hng HTX s c hng u i v li nhun sau khi ng thu, cc loi qu, trong c qu pht trin HTX s c chia cho cc thnh vin. Ngn hng ny va hot ng theo Lut Cc t chc dng, va hot ng theo Lut HTX, nn c hng cc chnh sch u i v t ai, o to, c bit l c hng thu sut thu thu nhp doanh nghip u i.) 1.2.7 T chc tn dng phi ngn hng: T chc tn dng phi ngn hng trong nc c thnh lp, t chc di hnh thc cng ty c phn, cng ty trch nhim hu hn.T chc tn dng lin doanh, t chc tn dng 100% vn nc ngoi c thnh lp, t chc di hnh thc cng ty trch nhim hu hn.Ngn hng hp tc x, qu tn dng nhn dn c thnh lp, t chc di hnh thc hp tc x.T chc ti chnh vi m c thnh lp, t chc di hnh thc cng ty trch nhim hu hn.

L loi hnh t chc tn dng c thc hin mt hoc mt s hot ng ngn hng theo quy nh ca Lut Cc T Chc Tn Dng , tr cc hot ng nhn tin gi ca c nhn v cung ng cc dch v thanh ton qua ti khon ca khch hng. T chc tn dng phi ngn hng bao gm cng ty ti chnh, cng ty cho thu ti chnh v cc t chc tn dng phi ngn hng khc.Cng ty cho thu ti chnh l loi hnh cng ty ti chnh c hot ng chnh l cho thu ti chnh theo quy nh ca Lut t chc tn dng.T chc ti chnh vi ml loi hnh t chc tn dng ch yu thc hin mt s hot ng ngn hng nhm p ng nhu cu ca cc c nhn, h gia nh c thu nhp thp v doanh nghip siu nh.Qu tn dng nhn dnl t chc tn dng do cc php nhn, c nhn v h gia nh t nguyn thnh lp di hnh thc hp tc x thc hin mt s hot ng ngn hng theo quy nh ca Lut ny v Lut hp tc x nhm mc tiu ch yu l tng tr nhau pht trin sn xut, kinh doanh v i sng.T chc tn dng nc ngoil t chc tn dng c thnh lp nc ngoi theo quy nh ca php lut nc ngoi.T chc tn dng nc ngoi c hin din thng mi ti Vit Nam di hnh thc vn phng i din, ngn hng lin doanh, ngn hng 100% vn nc ngoi, chi nhnh ngn hng nc ngoi, cng ty ti chnh lin doanh, cng ty ti chnh 100% vn nc ngoi, cng ty cho thu ti chnh lin doanh, cng ty cho thu ti chnh 100% vn nc ngoi.Ngn hng lin doanh, ngn hng 100% vn nc ngoi l loi hnh ngn hng thng mi; cng ty ti chnh lin doanh, cng ty ti chnh 100% vn nc ngoi l loi hnh cng ty ti chnh; cng ty cho thu ti chnh lin doanh, cng ty cho thu ti chnh 100% vn nc ngoi l loi hnh cng ty cho thu ti chnh theo quy nh ca Lut ny. Chi nhnh ngn hng nc ngoil n v ph thuc ca ngn hng nc ngoi, khng c t cch php nhn, c ngn hng nc ngoi bo m chu trch nhim v mi ngha v, cam kt ca chi nhnh ti Vit Nam. II. Bc tranh h thng tn dng hin nay:Trong nhng nm qua, mc d chu tc ng khng nh ca nhng yu t bt li trn th trng quc t, song nhn chung cc NHTM vn gi c mc tng trng n nh c v hot ng tn dng huy ng vn , duy tr c mc tng trng v kh nng sinh li tt bt chp khng hong ti chnh. Ngoi tr mt s ngn hng c phn nh cn hu ht cc ngn hng u t c mc vn iu l theo quy nh ca NHNN. Hu ht cc ngn hng duy tr ch tiu thanh khon m NHNN quy nh nh t l kh nng chi tr, h s an ton vn ti thiu, t l s dng vn ngn hn cho vay trung v di hnTheo IMF, tng ti sn ca ngnh ngn hng Vit Nam tng gp i trong giai on t 2007-2010 , t 1097 ngn t ng ln 2692 ngn t ng, con s ny c d bo s tng ln 3667 ngn t ng vo thi im cui nm 2012. Vit Nam cng nm trong danh sch 10m quc gia c tc tng trng ti sn ngnh ngn hng nhanh nht th gii theo thng k ca The Banker, ng v tr th 2 sau Trung Quc. Trong Eximbank l ngn hng duy nht ca Vit Nam nm trong top 25 ngn hng tng trng nhanh nht v ti sn trong nm 2010 v ng v tr th 3. Kt qu hot ng kinh doanh nm 2011 ca cc NHTM u tng i tt so vi nm 2010. Trong ACB, Eximbank, Saigonbank vt k hoch li nhun ra, trong khi a s cc ngn hng c quy m nh khng hon thnh k hoch li nhun . T l thu nhp li cn bin (NIM) trung bnh ca cc ngn hng nm 2011 l 3,53% so vi mc 2,66% ca nm 2010. Ngn hng c mc thu nhp cn bin cao nht l Saigonbank vi 5,7%, DongAbank l 5,3%, ABB l 5%, STB l 4,6% v HDB l 4,4%. Ch ring PNB v SCB l 2 ngn hng c NIM c mc thu nhp cn bin thp nht vi 0,35% do thu nhp li chim t trng kh thp trong tng thu nhp.n cui thng 4/2012 hot ng ca ton b h thng ni chung c nhiu kh quan. T l tn dng/huy ng ton h thng n 30/4/2012 l 86%, tng i cao so vi t l 80% theo Thng t 13. Tuy nhin vn duy tr c mc an ton, c th l t l an ton vn tnh chung ca h thng l 14,55% ( cao hn kh nhiu mc an ton 9% quy nh ti Thng t 13), trong t l an ton vn ca khi NHTMNN l 10,8%, khi NHTMCP l 14,2%, trong cc khi ngn hng, khi ngn hng lin doanh v nc ngoi t l an ton vn cao nht 32,54% . Nh c cc t tng vn do pht hnh cho c ng nc ngoi v trong nc m vn t c ca khi NHTM nh nc tng 12,5% trong 4 thng, cao hn mc 5,55% ca NHTMCP. D vn tng nhanh nhng t l sinh li ROA v ROE ca NHTM nh nc vn cao, 0,43%, 4,87%, gn gp i so vi ROA v ROE ca khi NHTM-CP ( 0,23% v 2,51%)Bn cnh nhng kt qu, nhng n lc ng ghi nhn, bn cnh nhng c hi cho s pht trin bn vng, th ri ro v nhng din bin phc tp ca n vn lun l s thch thc ca h thng ngn hng Vit Nam.C th ni s lng cc ngn hng Vit Nam trong thi gian qua tng ln kh nhanh, nhng s lng ngn hng c quy m nh cng cn nhiu, hu ht y l ngn hng c xut pht im l cc ngn hng thng mi nng thn nhng li vn ra hot ng thnh th. Mc d ch trng nng cao nng lc ti chnh, hiu qu hot ng ca h thng ngn hng Vit Nam c khi ng t Ngh nh 141/2006/N-CP khi Chnh Ph t ra l trnh tng vn php nh ca cc ngn hng ln mc 3000 t ng vo nm 2010. Bn cnh , l trnh tng vn php nh ln mc 5000 t ng nm 2012 v mc 1000 t ng vo nm 2015 cng nh trong qu trnh xem xt p dng. Tuy nhin, khng phi tt c cc ngn hng u p ng c yu cu ca NHNN ng hn, l trnh tng vn ny phi li li vo ngy 31/12/2011, cho n nay vn cn ngn hng cha vn theo quy nh. Bn cnh tnh trng khng kh quan v mc vn ti thiu th cht lng ti sn ca cc NHTM cng trong tnh trng bo ng n xu gia tng. Trong s 6 ngn hng nim yt cng b bo co ti chnh ring l qu II, Ngn hng thng mi c phn Xut nhp khu (Eximbank) v Ngn hng thng mi c phn Qun i (MB) c t l n xu gim nh nu so vi qu I. y cng l 2 n v c li nhun tng trng mc cao (gn 10-30%) so vi cng k nm 2011.Tuy nhin, nu so vi thi im u nm, n xu ti c 6 nh bng cng b u tng mnh (xem biu ). Ring Ngn hng Ngoi thng Vit Nam (Vietcombank) v Ngn hng thng mi c phn Nam Vit (Navibank) n xu tng ln gn 4%.

So snh t l n xu ti 3 thi im: u nm, cui qu I v cui qu II. S liu:BCTC.

C th, so vi thi im 1/1/2012, t l n xu ca Vietcombank tng t 2,03% vt ln 3,47%, Vietinbank cng tng t 0,74% ln 2,45%. N c kh nng mt vn (n nhm 5 - nhm c nguy c ri ro cao nht) cng tng gn 2.000 t ng. Vi trng hp ca Navibank, n xu tnh n 30/6 l 511 t ng, trong 45% l n c kh nng mt vn (tng ng 231 t ng). Trong khi , theo Thanh tra Ngn hng Nh nc, tnh n ht thng 3, n nhm 5 ca ton ngnh chim khong 40% tng n xu (tng ng 117,7 nghn t ng).Nhiu chuyn gia cho rng ngn hng no cng mnh, trc y cng cho vay nhiu th gi vng n xu cng cao. Do , theo h, t l thun vi quy m, hai "ng ln" Vietcombank v Vietinbank mi c con s n xu tng nhanh nh vy.Bnh lun v con s n xu gn 3% ca Vietinbank v 4% Vietcombank, chuyn gia Bi Kin Thnh cho bit, vi mt ngn hng quc doanh quy m ln, th t l n xu gn 4% l "ng lo ngi". ng cng a ra phng on: "C th n xu ca cc ngn hng quc doanh tng cao do h phi cho vay theo ch nh i vi cc doanh nghip nh nc nhiu".Cn theo l gii ca Tin s L Xun Ngha - nguyn Ph ch tch y ban gim st ti chnh quc gia -vic n xu tng nhanh khng nn li tt c cho ngn hng.Theo ng, cc doanh nghip khng th tr ni trong tnh hnh hin nay nn mi n xu nhiu thm.Theo ng Bi Kin Thnh,mt l do na khin con s n xu qu II tng hn qu I l do trc y cc ngn hng vn khng khai bo ng, v trung thc s n xu."N xu c th cn cao hn nhiu nhng g cc ngn hng ang cng b. Ngn hng khng mun trch lp d phng nn khng khai trung thc", v ny lo ngi.Quyn Chnh Thanh tra Ngn hng Nh nc Nguyn Hu Ngha cng tha nhn vic cha th kim tra c ht cc hp ng ca ngn hng v c tnh trng nhiu nh bng vic nh bng vi phm, che giu n xu. "Vic pht hin nhng vi phm v phn loi n ch c th qua cc on thanh tra ti ch. Tuy nhin, vi hn 100 t chc tn dng, khng th no trong mt nm tin hnh thanh tra ng lot c", ng Ngha cho hay.N xu ton ngnh theo Thanh tra Ngn hng Nh nc mi cng b l 202.000 t ng (chim 8,6% d n) tnh ti 31/3. Chuyn gia ti chnh ngn hng Nguyn Tr Hiu e ngi: "Vi tc gia tng n xu ti t qu I n qu II, con s n xu thc ca ngnh chc chn s vt ln trn 10%. M 10% th r rng l ng bo ng v nguy kch". Trc , hi thng 3, ti din n Quc hi, Thng c Nguyn Vn Bnh cng bo co n xu c th trn 10%.Tn dng tng trng thp. Tng trng tn dng ton h thng ngn hng tnh n 7/9 ch t 1,82%, v ch tiu tng trng tn dng 8-10% trong nm nay c cho l khng tng. Theo s liu t Ngn hng Nh nc, mt s ngn hng ln c tng trng tn dng m hoc rt thp. Tn dng ca Eximbank (Ngn hng TMCP Xut nhp khu Vit Nam) qua 8 thng vn m so vi u nm trong khi Ngn hng TMCP Cng thng Vit Nam (Vietinbank) tng trng tn dng qua 8 thng t 2% so vi cui nm 2011.Nu nh tnh n ht 6 thng, cc ngn hng ln u c tng trng tn dng m th ghi nhn din bin t cc ngn hng ny cho thy, tn dng tng trng nh trong thng 7 song li gim nh trong thng 8. Tr Ngn hng TMCP chu (ACB) c tng trng tn dng m kh ln do khng hong, cc ngn hng c phn ln ti TP.HCM c t l tng trng tn dng rt thp.Nhng mt vi nh bng, con s tng trng tn dng li kh cao. Ngn hng TMCP u t v pht trin Vit Nam (BIDV) qua 8 thng u nm d n tn dng tng 13,5%, rt cao so vi mt bng chung ca h thng. Ngn hng TMCP Qun i (MB) tng trng trn 10%. Song, ng lu l con s d n tn dng ny bao gm u t tri phiu doanh nghip. Nu 'cu' i phn d n u t tri phiu doanh nghip, x l mua n th d n cho vay t chc, c nhn cc ngn hng ny u gim.Ti Ngn hng TMCP Ngoi thng Vit Nam (Vietcombank), qua 8 thng, tng trng tin gi kh n tng vi 13%, trong khi tng trng tn dng ch 7,2% (223.054 t). S chnh lch ny ang gy sc p ln li nhun thun ca ngn hng. Hi u nm, Vietcombank t mc tiu tng li nhun 15% v tn dng 17%, song ban iu hnh ngn hng hin ch mong mc tiu tn dng v tin gi tng trng 12% v 15% trong 2012. "Ch cn tng tn dng 10% l thnh cng rt ln", mt lnh o Vietcombank cho hay.C cu tn dng c s thay i. cc ngn hng quc doanh, d n vay cc lnh vc u tin tng mnh, ni bt BIDV v Agribank (Ngn hng Nng nghip v Pht trin nng thn Vit Nam) vi t l d n cho vay nhm ny chim khong 45% trong tng d n v tng trng mnh, khong 35% so vi cng k nm trc. hu ht cc ngn hng, tn dng doanh nghip nh v va gim mnh, trong khi t l d n ngoi t tng.Trong s tn dng tng trng, s cho vay mi khng nhiu. mt ngn hng quc doanh hin c th phn tn dng 11%, tng d n c x l, c cu li (c cu li thi hn tr n, cho vay c cu ti chnh, min gim li, cho vay b p d n theo mc li sut mi khi tr ht n c) chim ti hn mt na. T trng tn dng cho vay mi khng ng k, thm ch, t l cho vay t chc, c nhn, cho vay bn l gim nh, hoc tri st mnh.Th phn tn dng cng c nhng thay i ln. Th phn tn dng ca cc ngn hng thng mi c phn ang c xu hng st gim trong khi th phn tn dng ca khi ngn hng thng mi quc doanh tng ln, hin chim t trng ln nht (47,5%) trong tng d n tn dng ca ton h thng. Theo Ngn hng Nh nc, th phn tn dng ca khi ngn hng quc doanh c s tng trng mnh m, tng 1,5% so vi u nmNa ming bnh trn cc din th trng tn dng thuc nm ngn hng c t trng c phn nh nc chi phi. Song khng c ngha cc ngn hng ny 'thanh thn'. Ngun thu li thun ca h s tip tc gim trong khi ngun th t dch v, bn l cha ci thin, li sut cho vay vn c k vng tip tc gim. Cc ngn hng ln do c cu d n ri ro hn do t l tri phiu doanh nghip tng i cao s tip tc phi gia tng trch lp d phng. V do , li nhun cc ngn hng tip tc chu p lc ln. Cc ngn hng u c li nhun ph thuc nhiu vo ngun thu nhp li v vn ang gp kh khn trong vic tm kim cc ngun thu nhp khc thay th khi hot ng cho vay khng thun li.V trong khi cc vn trn th trng tn dng cn ngn ngang th mc tiu tng trng tn dng ca c h thng cui nm mc 8-10% l "cc k chng gai", theo li mt lnh o Vietcombank.Trong thi gian gn y H thng Tn dng nc ta ngy cng th hin s bt n v c xu hng pht trin khng bn vng. Th hin r nht l ngy 28/9/2012 t chc xp hng Moody's va thng bo h bc tn nhim ca 8 ngn hng thng mi c phn ca Vit Nam. NHTM Chu xp hng kh nng tn dng c lp b h t E+ xung mc E, tng ng vi mc caa1 trong di hn.Xp hng tin gi di hn bng ni t v ngoi t h t mc B2 xung B3. Xp hng pht hnh bng ni t v ngoi t h t mc B2 xung B3. Xp hng ngn hn khng b nh hng v trin vng vn mc n nh.NHTMCP u t v pht trin Vit Nam (BIDV)Xp hng kh nng tn dng c lp ca BIDV cng b h t E+ xung mc E.Xp hng tin gi di hn bng ni t b gim t B1 xung B2 trong khi xp hng tin gi bng ngoi t b gim t B2 xung B3. Trin vng mc n nh v xp hng ngn hn khng b nh hng.NHTMCP Qun i (MB)Xp hng kh nng tn dng c lp ca MB cng b h t E+ xung mc E.Xp hng tin gi di hn bng ni t v ngoi t u b gim t mc B2 xung B3. Trin vng mc n nh v xp hng ngn hn khng b nh hng.NHTMCP Si Gn H Ni (SHB)Xp hng kh nng tn dng c lp ca SHB cng b h t E+ xung mc E.Xp hng tin gi di hn bng ni t v ngoi t u b gim t mc B2 xung B3. Trin vng mc n nh v xp hng ngn hn khng b nh hng.NHTMCP Si Gn Thng Tn (Sacombank)Xp hng kh nng tn dng c lp cng b h t E+ xung mc E.Xp hng tin gi di hn bng ni t b gim t mc B1 xung B3 trong khi xp hng tin gi di hn bng ngoi t b gim t B2 xung B3. Trin vng mc n nh v xp hng ngn hn khng b nh hng.NHTMCP K Thng Vit Nam (Techcombank)Xp hng kh nng tn dng c lp ca SHB cng b h t E+ xung mc E.Xp hng tin gi di hn bng ni t b gim t mc B1 xung B3 trong khi xp hng tin gi di hn bng ngoi t b gim t B2 xung B3. Trin vng mc n nh v xp hng ngn hn khng b nh hng.NHTMCP Cng thng Vit Nam (Vietinbank). Xp hng kh nng tn dng c lp b h t E+ xung mc E.Xp hng tin gi di hn bng ng ni t gim t B1 xung B2. Xp hng tin gi di hn bng ng ngoi t gim t B2 xung B3. Trin vng mc n nh v xp hng ngn hn khng b nh hng.NHTMCP Quc t Vit Nam (VIB)Xp hng kh nng tn dng c lp b h t E+ xung mc E.Xp hng tin gi di hn bng ng ni t v ngoi t b h t B2 xung B3. Trin vng mc n nh v xp hng ngn hn khng b nh hng.Bn cnh hin tng s hu cho cng ni cm trong thi gian gn y.Mt nghin cu ca Chng trnh ging dy kinh t Fulbright cng b mi y v s hu cho gia NH vi doanh nghip (DN) ti Vit Nam cho thy h thng NH hnh thnh mt mng li s hu cho v cho vay theo quan h rt phc tp, nhm mc ch thu tm ngn hng, thu xp vn cho nhng d n u t cha minh bch.Theo , rt nhiu cng ty ln, c bit l cc tp on kinh t Nh nc v cc tp on c phn, d khng thuc lnh vc ti chnh nhng hin ang u t di hn vi vai tr nh sng lp, nh u t chin lc trong cc NH thng mi. Cha k, cc NH cng s hu c phn ln nhau, c ng ti cc NH thng mi l cc cng ty qun l qu u t vn vo nhng NH khc c tim nng. Hin khng t tp on, tng cng ty Nh nc v t nhn cng ang u t, s hu cho khi h c trong tay kh nhiu NH. Theo y ban Kinh t Quc hi, n nay, gn 40 DN Nh nc v t nhn s hu trn 5% ti cc NH TMCP v cc DN ny li s hu cc cng ty u t ti chnh. V vy, mi quan h gia NH TMCP vi cc tp on t nhn ngy cng phc tp.Theo cc chuyn gia, khng t DN "sn sau" thi gian qua khng ch vay hng nghn t ng t NH m cn tham gia vi cc ng ch ngn hng c quyn iu hnh hay chi phi cc quyt nh ca t chc tn dng c li cho mnh, gy tim n ri ro cho TCTC. Khng t lnh o cc NH tn dng DN "sn sau" gip tng vn. Khi DN c vn gp ln ca cc ng ch ngn hng s ng ra pht hnh tri phiu k hn 3-5 nm. Sau , ngn hng ca cc ng ch trn s b tin ra mua tri phiu ca DN. Khi c tin, DN ny s s dng vn gp vo ng ngn hng va b tin ra mua tri phiu ca mnh tng vn iu l. Nh vy, vn iu l ngn hng ghi trn s s cao nhng thc t l vn o. C quyn lc trong tay cc ng ch ngn hng tip tc lng on qua vic bm vn vo cc DN "sn sau"... Trn thc t, vic tng vn o gip khng t ng ch ngn hng cng mt lc s hu 2-3 NH v y vn vo lnh vc u t bt ng sn, dn n kh khn v thanh khon cho nhng ngn hng nh.Trong ba nm qua hng lot cc NHTMCP nng vn php l ln 3000 t ng. Nhng trn thc t, gn nh khng c ng vn mi no b sung vo h thng ngn hng, nhng do vn php l tng, cc ngn hng c php huy ng tin gi x hi ln hn v hng nghn t ng vn li c trt vo nhng d n sn sau ca chnh cc ng ch ngn hng vng quay thu tm ngn hng tip din.H ly ca s hu cho vthu tm ngn hngVi phng thc s hu cho, cc ngn hng c th "lch" thng qua vic vay vn t ngn hng ny gp cho ngn hng kia v ngc li. Nh vy, s tng vn cc ngn hng thc cht l tng o. Nhiu trng hp li tng vn qua trung gian. v ang din ra tnh trng dng tin tri lng vng trong th trng lin NH, trong khi DN khng tip cn c vn vay.Theo vng lun qun ny, dng tin c chy lng vng gia cc NH, cng ty vi nhau ri tun vo bt ng sn, chng khon n khi th trng bt ng sn ng bng, chng khon st gim mnh v ko di cng l lc cc cng ty y thc u t thua l, to ra nhng khon n xu cho chnh cc NH. Chng hn theo bo co ti chnh 2011, mt ngn hng thuc nhm 3, d n tn dng cui nm 2011 khong 13.000 t ng nhng tng s vn cung cp cho cc DN lin quan n c ng l 2.035 t ng. Ngoi ra gn 1.000 t ng vn ca ngn hng ny cng ang c cho cc c nhn lin quan vay. Hay mt ngn hng khc, tng d n cho vay t hn 8.854 t ng. Trong , 2.510 t ng (chim 28% tng d n) c ch n l cc DN lin quan n c ng ca ngn hng ny.Theo cc chuyn gia, ng lo ngi nht l, tnh trng s hu cho gia cc ng ch NH v cc cng ty sn sau s e da tnh an ton ca c h thng.Cnh tranh ngn hng ni ngoi:Hai nm sau khi Vit Nam gia nhp T chc Thng mi th gii (WTO), s xut hin ca cc chi nhnh ngn hng nc ngoi, cc t chc tn dng phi ngn hng nc ngoi v c bit ca ba ngn hng 100% vn nc ngoi trong nm 2008 cho thy sc hp dn ca th trng vn Vit Nam. Sc nng cnh tranh trn lnh vc ti chnh-ngn hng d bo s ngy cng tng ln trong nm 2009.Hin c 5 ngn hng 100% vn nc ngoi c cp php hot ng ti Vit Nam, c i x bnh ng nh ngn hng trong nc theo cam kt WTO. HSBC l ngn hng u tin i vo hot ng ngy trong nhng ngy u tin ca nm mi 2009.Trong 5 ngn hng ny, th ngn hng TNHH mt thnh vin Shinhan Vit Nam (Hn Quc) v Hong Leong Bank Vit Nam (Malaysia) cn kh mi l vi ngi dn Vit Nam, cn ba ci tn HSBC, ANZ v Standard Chartered c kh nhiu ngi bit ti.Theo Ngn hng Nh nc, trong nm 2008, t l n xu ni chung ca c khi ngn hng ngoi tng so vi nm 2007, tuy nhin mc tng khng ng k. V tng thu nhp trc thu, mc d c mt s chi nhnh ngn hng nc ngoi v cng ty ti chnh b l nhng li nhun trc thu ca c khi l 1.418 t ng.Nu nhn vo con s li hn 1.400 t ng so vi s lng cc t chc tn dng nc ngoi c mt ti Vit Nam th khng c g ng ni, nhng iu ng ni y l hu ht cc t chc tn dng ny u mi c mt Vit Nam sau khi Vit Nam chnh thc gia nhp WTO vo ngy 11/1/2007.Thng thng, mt ngn hng mi thnh lp phi b chi ph ln u t, m rng mng li kinh doanh, qung b hnh nh m c li ngay nh cc ngn hng ngoi l iu ng ch .Trong nm 2008, cc ngn hng nc ngoi cng tch cc m rng kinh doanh ti Vit Nam, ch trong 10 thng u nm 2008, tng mc huy ng vn ca h tng gp ri so vi nm 2007.Tuy nhin, con s li nhun ca cc ngn hng ni v ngoi trong nm qua ch ni ln mt phn nh v sc nng cnh tranh ang ngy cng tng ln trong lnh vc ti chnh ngn hng Vit Nam. c bit l trong nm ti, khi cc ngn hng ngoi c th cnh tranh trc tip vi cc ngn hng ni, thay v hot ng b hp khi cn l mt chi nhnh ca ngn hng m nc ngoi.i u trc tip-mi lo di hnTheo s liu ca Ngn hng Nh nc Vit Nam, quy m vn ca cc ngn hng Vit Nam hin vn cn nh, ngay c ngn hng c quy m vn ln nht Vit Nam l Nng nghip v Pht trin Nng thn (Agribank) cng mi ch l 650 triu USD (11.000 t ng), vn thp so vi cc nc trong khu vc. Cn trong s gn 40 ngn hng thng mi c phn, s c vn trn 200 triu USD (3.400 t ng) cng mi m trn u ngn tay v khng nhiu trong s ny c trang b h thng ngn hng li (CoreBanking).Trong khi , n c ngn hng con ca HSBC ti Vit Nam c vn iu l 3.000 t ng, cho h hot ng n ht nm 2010 m khng phi lo tng vn theo nh quy nh ca Ngn hng Nh nc (c vn iu l 3.000 t ng vo cui nm 2010). l cha k ti tim lc ti chnh rt mnh t ngn hng m nc ngoi.Bn cnh , tm l chung ngoi ca ngi Vit Nam cng l mt trong nhng kh khn ca ngn hng ni. Chi nhnh ca Ngn hng ANZ ti ph L Thi T (H Ni), mc d l im giao dch nh nhng vn c rt nhiu khch hng ngi Vit giao dch. Bi nhu cu ca nhiu ngi Vit Nam hin nay khng ch b hp trong phm vi s dng cc dch v thanh ton ti Vit Nam m cn s dng nhng dch v thanh ton quc t, iu ny th nhng ngn hng Vit Nam cha thc s thun tin.Tuy nhin, theo cc chuyn gia ni nh vy khng c ngha l cc ngn hng thng mi Vit Nam s b mt ngay th phn trong nm ti. i mt vi nhng nguy c t bn ngoi, trong nm qua, cc ngn hng Vit Nam cng t nng cao ni lc bng cch lin kt li vi nhau. C th nht l cc ngn hng thng mi thng nht kt ni h thng thanh ton th ATM.Mt khc, mc d gp nhiu kh khn do b nh hng t tnh hnh kinh t trong v ngoi nc, nhng cc ngn hng ni cng lin tc m rng th phn, m thm chi nhnh. Ngn hng Chu (ACB) m thm 185 chi nhnh v phng giao dch trong nm 2008; Ngn hng Si Gn Thng tn (Sacombank) m thm hng chc chi nhnh v hin c 244 chi nhnh, phng giao dch ti Vit Nam, Sacombank cn m thm c chi nhnh bn Lo v vn phng i din ti Trung Quc.Cc ngn hng ni cng tch cc tng vn iu l, n nay Ngn hng Chu (ACB) tng vn ln 6.000 t ng, Eximbank 7.000 t ng, Sacombank trn 5.000 t ng.Theo nguyn Thng c Ngn hng Nh nc Vit Nam Cao S Kim cnh tranh gia ngn hng ni v ngoi l xu th tt yu. 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