{"id":12467,"date":"2026-05-03T19:45:49","date_gmt":"2026-05-03T12:45:49","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/03\/lai-suat-huy-dong-va-chien-luoc-dieu-tiet-cua-cac-ngan-hang-thuong-mai\/"},"modified":"2026-05-03T19:45:49","modified_gmt":"2026-05-03T12:45:49","slug":"lai-suat-huy-dong-va-chien-luoc-dieu-tiet-cua-cac-ngan-hang-thuong-mai","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/03\/lai-suat-huy-dong-va-chien-luoc-dieu-tiet-cua-cac-ngan-hang-thuong-mai\/","title":{"rendered":"L\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111i\u1ec1u ti\u1ebft c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i"},"content":{"rendered":"
\n

Trong b\u1ed1i c\u1ea3nh d\u00f2ng ti\u1ec1n to\u00e0n c\u1ea7u \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng bi\u1ebfn \u0111\u1ed9ng kh\u00f3 l\u01b0\u1eddng, cu\u1ed9c \u0111\u1ed1i tho\u1ea1i gi\u1eefa c\u00e1c nh\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng v\u1ec1 xu h\u01b0\u1edbng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111ang thu h\u00fat s\u1ef1 ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t. C\u00e2u h\u1ecfi \u0111\u1eb7t ra kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf con s\u1ed1 ph\u1ea7n tr\u0103m tr\u00ean c\u00e1c bi\u1ec3u l\u00e3i su\u1ea5t hi\u1ec7n h\u00e0nh, m\u00e0 l\u00e0 s\u1ef1 t\u00ednh to\u00e1n k\u1ef9 l\u01b0\u1ee1ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i trong vi\u1ec7c duy tr\u00ec thanh kho\u1ea3n khi th\u1ecb tr\u01b0\u1eddng chuy\u1ec3n m\u00ecnh qua nh\u1eefng giai \u0111o\u1ea1n nh\u1ea1y c\u1ea3m. Vi\u1ec7c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ti\u1ebfp t\u1ee5c neo \u1edf m\u1ee9c cao trong ng\u1eafn h\u1ea1n, d\u00f9 t\u1ed1c \u0111\u1ed9 t\u0103ng \u0111\u00e3 c\u00f3 d\u1ea5u hi\u1ec7u h\u00e3m phanh, ph\u1ea3n \u00e1nh t\u01b0 duy ph\u00f2ng th\u1ee7 ch\u1ee7 \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh tr\u01b0\u1edbc nh\u1eefng \u00e1p l\u1ef1c ngo\u1ea1i sinh.<\/p>\n

\n \"L\u00e3i
\u1ea2nh t\u1eeb ngu\u1ed3n: vietnamnet.vn<\/em><\/figcaption><\/figure>\n

B\u1ea3n ch\u1ea5t c\u1ee7a vi\u1ec7c neo gi\u1eef l\u00e3i su\u1ea5t huy \u0111\u1ed9ng trong giai \u0111o\u1ea1n hi\u1ec7n nay<\/h2>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y m\u1ed9t ngh\u1ecbch l\u00fd l\u00e0 d\u00f9 c\u00e1c ng\u00e2n h\u00e0ng \u0111ang n\u1ed7 l\u1ef1c t\u1ed1i \u01b0u h\u00f3a chi ph\u00ed v\u1ed1n, nh\u01b0ng \u00e1p l\u1ef1c t\u1eeb m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf v\u0129 m\u00f4 bu\u1ed9c h\u1ecd ph\u1ea3i duy tr\u00ec m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u1edf ng\u01b0\u1ee1ng h\u1ee3p l\u00fd \u0111\u1ec3 gi\u1eef ch\u00e2n d\u00f2ng v\u1ed1n nh\u00e0n r\u1ed7i. \u0110i\u1ec1u n\u00e0y ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c khi ch\u00fang ta \u0111\u1eb7t trong b\u1ed1i c\u1ea3nh c\u00e1c nh\u00e0 qu\u1ea3n tr\u1ecb ph\u1ea3i c\u00e2n \u0111\u1ed1i gi\u1eefa vi\u1ec7c h\u1ea1 l\u00e3i su\u1ea5t cho vay \u0111\u1ec3 h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u00e0 vi\u1ec7c \u0111\u1ea3m b\u1ea3o bi\u00ean l\u1ee3i nhu\u1eadn r\u00f2ng (NIM) trong m\u1ed9t c\u1ea5u tr\u00fac v\u1ed1n \u0111ang ch\u1ecbu nhi\u1ec1u t\u00e1c \u0111\u1ed9ng t\u1eeb b\u00ean ngo\u00e0i. Nh\u01b0 \u0111\u00e3 \u0111\u1ec1 c\u1eadp trong c\u00e1c ph\u00e2n t\u00edch v\u1ec1 d\u00f2ng ti\u1ec1n to\u00e0n c\u1ea7u v\u00e0 cu\u1ed9c chi\u1ebfn \u0111\u1ecbnh h\u00ecnh m\u1ecf v\u00e0ng m\u1edbi trong k\u1ef7 nguy\u00ean AI<\/a>, khi c\u00e1c d\u00f2ng v\u1ed1n l\u1edbn \u0111ang t\u00ecm ki\u1ebfm nh\u1eefng b\u1ebfn \u0111\u1ed7 an to\u00e0n ho\u1eb7c l\u1ee3i nhu\u1eadn \u0111\u1ed9t bi\u1ebfn, s\u1ef1 th\u1eadn tr\u1ecdng t\u1eeb ph\u00eda c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc l\u00e0 ho\u00e0n to\u00e0n d\u1ec5 hi\u1ec3u.<\/p>\n

\u00c1p l\u1ef1c ngo\u1ea1i sinh v\u00e0 b\u00e0i to\u00e1n thanh kho\u1ea3n<\/h2>\n

Nh\u00ecn s\u00e2u v\u00e0o b\u1ea3n ch\u1ea5t, xu h\u01b0\u1edbng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng kh\u00f4ng v\u1eadn h\u00e0nh trong m\u1ed9t b\u00ecnh di\u1ec7n t\u00e1ch bi\u1ec7t. C\u00e1c l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng \u0111\u1ec1u nh\u1eadn \u0111\u1ecbnh r\u1eb1ng n\u1ebfu gi\u00e1 d\u1ea7u ti\u1ebfp t\u1ee5c gi\u1eef m\u1ee9c cao g\u00e2y \u00e1p l\u1ef1c l\u00ean l\u1ea1m ph\u00e1t, c\u00f9ng v\u1edbi vi\u1ec7c \u0111\u1ed3ng USD duy tr\u00ec v\u1ecb th\u1ebf m\u1ea1nh l\u00ean so v\u1edbi c\u00e1c \u0111\u1ed3ng ti\u1ec1n n\u1ed9i t\u1ec7, \u00e1p l\u1ef1c bu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i duy tr\u00ec m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u1edf m\u1ee9c cao l\u00e0 r\u1ea5t l\u1edbn. \u0110\u00e2y kh\u00f4ng \u0111\u01a1n thu\u1ea7n l\u00e0 c\u00e2u chuy\u1ec7n c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh, m\u00e0 l\u00e0 ph\u1ea3n \u1ee9ng d\u00e2y chuy\u1ec1n tr\u01b0\u1edbc nh\u1eefng bi\u1ebfn \u0111\u1ed9ng kh\u00f3 l\u01b0\u1eddng c\u1ee7a th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 nh\u1eefng g\u00ec \u0111ang x\u1ea3y ra v\u1edbi gi\u00e1 v\u00e0ng h\u00f4m nay v\u00e0 \u00e1p l\u1ef1c t\u1eeb th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf<\/a>. Khi c\u00e1c y\u1ebfu t\u1ed1 \u0111\u1ea7u v\u00e0o nh\u01b0 chi ph\u00ed nh\u1eadp kh\u1ea9u n\u0103ng l\u01b0\u1ee3ng hay t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i t\u1ea1o s\u1ee9c \u00e9p l\u00ean c\u00e1n c\u00e2n thanh to\u00e1n, ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i gi\u1eef l\u00e3i su\u1ea5t \u1edf m\u1ee9c neo cao \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a h\u1ec7 th\u1ed1ng thanh kho\u1ea3n n\u1ed9i t\u1ea1i.<\/p>\n

H\u01b0\u1edbng t\u1edbi s\u1ef1 \u1ed5n \u0111\u1ecbnh khi \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng c\u1ea3i thi\u1ec7n<\/h2>\n

D\u1eabu v\u1eady, c\u00e1c chuy\u00ean gia qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng v\u1eabn tin r\u1eb1ng khi \u0111i\u1ec1u ki\u1ec7n thanh kho\u1ea3n \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 \u00e1p l\u1ef1c ngo\u1ea1i bi\u00ean d\u1ea7n h\u1ea1 nhi\u1ec7t, t\u1ed1c \u0111\u1ed9 t\u0103ng c\u1ee7a l\u00e3i su\u1ea5t huy \u0111\u1ed9ng s\u1ebd ch\u1eadm l\u1ea1i v\u00e0 s\u1edbm \u0111i v\u00e0o qu\u1ef9 \u0111\u1ea1o \u1ed5n \u0111\u1ecbnh. S\u1ef1 ch\u1ee7 \u0111\u1ed9ng trong vi\u1ec7c \u0111i\u1ec1u ti\u1ebft kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd gi\u1eef l\u00e3i su\u1ea5t \u1edf m\u1ee9c \u0111\u1ec9nh m\u00e3i m\u00e3i. \u0110\u00f3 l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh d\u1ecbch chuy\u1ec3n tinh t\u1ebf, n\u01a1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u1ea3i ch\u1ee9ng minh n\u0103ng l\u1ef1c th\u00edch \u1ee9ng v\u1edbi nh\u1eefng thay \u0111\u1ed5i v\u1ec1 ch\u00ednh s\u00e1ch v\u00e0 d\u00f2ng v\u1ed1n. Vi\u1ec7c hi\u1ec3u r\u00f5 c\u01a1 ch\u1ebf v\u1eadn h\u00e0nh n\u00e0y gi\u00fap ch\u00fang ta c\u00f3 c\u00e1i nh\u00ecn c\u00f4ng t\u00e2m h\u01a1n v\u1ec1 c\u00e1c quy\u1ebft \u0111\u1ecbnh l\u00e3i su\u1ea5t, tr\u00e1nh nh\u00ecn nh\u1eadn phi\u1ebfn di\u1ec7n nh\u01b0 tr\u01b0\u1eddng h\u1ee3p c\u00e1c doanh nghi\u1ec7p r\u01a1i v\u00e0o c\u00e1i b\u1eaby t\u1ef1 th\u00e2n khi th\u1ef1c hi\u1ec7n gi\u1ea3m gi\u00e1 30% \u0111\u1ec3 k\u00e9o kh\u00e1ch<\/a> m\u00e0 kh\u00f4ng t\u00ednh \u0111\u1ebfn c\u00e1c t\u00e1c \u0111\u1ed9ng s\u00e2u r\u1ed9ng h\u01a1n \u0111\u1ebfn gi\u00e1 tr\u1ecb n\u1ed9i t\u1ea1i c\u1ee7a ch\u00ednh m\u00ecnh.<\/p>\n

B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u00ean t\u1eadp l\u1ea1i t\u1eeb ngu\u1ed3n: vietnamnet.vn<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Trong b\u1ed1i c\u1ea3nh d\u00f2ng ti\u1ec1n to\u00e0n c\u1ea7u \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng bi\u1ebfn \u0111\u1ed9ng kh\u00f3 l\u01b0\u1eddng, cu\u1ed9c \u0111\u1ed1i tho\u1ea1i gi\u1eefa c\u00e1c nh\u00e0 qu\u1ea3n tr\u1ecb ng\u00e2n h\u00e0ng v\u1ec1 xu h\u01b0\u1edbng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111ang thu h\u00fat s\u1ef1 ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t. C\u00e2u h\u1ecfi \u0111\u1eb7t ra kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf con s\u1ed1 ph\u1ea7n tr\u0103m tr\u00ean c\u00e1c […]<\/p>\n","protected":false},"author":1,"featured_media":12466,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[58],"tags":[],"class_list":["post-12467","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-doanh-nghiep-va-doanh-nhan"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/12467","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/comments?post=12467"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/12467\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/12466"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=12467"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=12467"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=12467"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}