{"id":8468,"date":"2023-02-09T14:39:37","date_gmt":"2023-02-09T07:39:37","guid":{"rendered":"http:\/\/atslegal.vn\/vn\/?p=7390"},"modified":"2023-06-16T15:23:16","modified_gmt":"2023-06-16T08:23:16","slug":"sua-quy-dinh-lien-quan-ty-le-bao-dam-an-toan-trong-hoat-dong-cua-ngan-hang","status":"publish","type":"post","link":"https:\/\/atslegal.vn\/vn\/sua-quy-dinh-lien-quan-ty-le-bao-dam-an-toan-trong-hoat-dong-cua-ngan-hang\/","title":{"rendered":"S\u1eecA QUY \u0110\u1ecaNH LI\u00caN QUAN T\u1ef6 L\u1ec6 B\u1ea2O \u0110\u1ea2M AN TO\u00c0N TRONG HO\u1ea0T \u0110\u1ed8NG C\u1ee6A NG\u00c2N H\u00c0NG"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/atslegal.vn\/vn\/wp-content\/uploads\/sites\/5\/2023\/06\/pexels-pixabay-259200-min-1024x683-1.jpg\" alt=\"\" class=\"wp-image-8827\" srcset=\"https:\/\/atslegal.vn\/vn\/wp-content\/uploads\/sites\/5\/2023\/06\/pexels-pixabay-259200-min-1024x683-1.jpg 1024w, https:\/\/atslegal.vn\/vn\/wp-content\/uploads\/sites\/5\/2023\/06\/pexels-pixabay-259200-min-1024x683-1-300x200.jpg 300w, https:\/\/atslegal.vn\/vn\/wp-content\/uploads\/sites\/5\/2023\/06\/pexels-pixabay-259200-min-1024x683-1-768x512.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p>Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\nban h\u00e0nh Th\u00f4ng t\u01b0 26\/2022\/TT-NHNN ng\u00e0y 31\/12\/2022 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0\n22\/2019\/TT-NHNN quy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a\nng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n\n\n\n<p>Trong \u0111\u00f3, t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho\nvay so v\u1edbi t\u1ed5ng ti\u1ec1n g\u1eedi v\u1eabn t\u00ednh theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh t\u1ea1i Th\u00f4ng t\u01b0\n22\/2019\/TT-NHNN nh\u01b0ng c\u00f3 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 t\u1ed5ng ti\u1ec1n g\u1eedi.<\/p>\n\n\n\n<p>C\u1ee5 th\u1ec3, ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i (bao g\u1ed3m c\u1ea3 ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i kh\u00e1c), tr\u1eeb c\u00e1c kho\u1ea3n sau \u0111\u00e2y:<\/p>\n\n\n\n<p>(i) Ti\u1ec1n k\u00fd qu\u1ef9 v\u00e0 ti\u1ec1n g\u1eedi v\u1ed1n chuy\u00ean d\u00f9ng c\u1ee7a kh\u00e1ch h\u00e0ng;<\/p>\n\n\n\n<p>(ii) Ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc;<\/p>\n\n\n\n<p>(iii) Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc theo l\u1ed9 tr\u00ecnh sau \u0111\u00e2y:<\/p>\n\n\n\n<ul><li>T\u1eeb ng\u00e0y 01\/01\/2020 \u0111\u1ebfn 31\/12\/2023: 50% s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc;<\/li><li>T\u1eeb ng\u00e0y 01\/01\/2024 \u0111\u1ebfn 31\/12\/2024: 60% s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc;<\/li><li>T\u1eeb ng\u00e0y 01\/01\/2025 \u0111\u1ebfn 31\/12\/2025: 80% s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc;<\/li><li>T\u1eeb ng\u00e0y 01\/01\/2026: 100% s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc.<\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Hi\u1ec7n h\u00e0nh, Th\u00f4ng t\u01b0 22\/2019\/TT-NHNN quy \u0111\u1ecbnh ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i (bao g\u1ed3m c\u1ea3 ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i kh\u00e1c), tr\u1eeb c\u00e1c kho\u1ea3n sau \u0111\u00e2y:<\/p>\n\n\n\n<p>(i) Ti\u1ec1n g\u1eedi c\u00e1c lo\u1ea1i c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc;<\/p>\n\n\n\n<p>(ii) Ti\u1ec1n k\u00fd qu\u1ef9 v\u00e0 ti\u1ec1n g\u1eedi v\u1ed1n chuy\u00ean d\u00f9ng c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<p>Chi ti\u1ebft t\u1ea1i Th\u00f4ng t\u01b0 26\/2022\/TT-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 31\/12\/2022.<\/p>\n\n\n\n<p class=\"has-text-align-right\"><a href=\"https:\/\/drive.google.com\/file\/d\/1fN23Dj-7WHMV3FjuO2xNYoE8CPJbGKSx\/view?usp=share_link\" target=\"_blank\" rel=\"noopener\"><strong><em>Th\u00f4ng t\u01b0 26\/2022\/TT-NHNN<\/em><\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh Th\u00f4ng t\u01b0 26\/2022\/TT-NHNN ng\u00e0y 31\/12\/2022 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 22\/2019\/TT-NHNN quy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. Trong \u0111\u00f3, t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay so v\u1edbi t\u1ed5ng ti\u1ec1n g\u1eedi v\u1eabn [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8827,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,6],"tags":[],"_links":{"self":[{"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/posts\/8468"}],"collection":[{"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/comments?post=8468"}],"version-history":[{"count":2,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/posts\/8468\/revisions"}],"predecessor-version":[{"id":8828,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/posts\/8468\/revisions\/8828"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/media\/8827"}],"wp:attachment":[{"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/media?parent=8468"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/categories?post=8468"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/tags?post=8468"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}