{"id":15008,"date":"2026-05-15T13:42:49","date_gmt":"2026-05-15T06:42:49","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/15\/von-dieu-le-ngan-hang-va-cot-moc-moi-cua-techcombank\/"},"modified":"2026-05-15T13:42:49","modified_gmt":"2026-05-15T06:42:49","slug":"von-dieu-le-ngan-hang-va-cot-moc-moi-cua-techcombank","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/15\/von-dieu-le-ngan-hang-va-cot-moc-moi-cua-techcombank\/","title":{"rendered":"V\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng v\u00e0 c\u1ed9t m\u1ed1c m\u1edbi c\u1ee7a Techcombank"},"content":{"rendered":"
\n

V\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng \u0111ang tr\u1edf th\u00e0nh th\u01b0\u1edbc \u0111o quan tr\u1ecdng cho ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh trong b\u1ed1i c\u1ea3nh c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh t\u1ea1i Vi\u1ec7t Nam li\u00ean t\u1ee5c th\u1ef1c hi\u1ec7n nh\u1eefng b\u01b0\u1edbc \u0111i chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 c\u1ee7ng c\u1ed1 s\u1ee9c m\u1ea1nh n\u1ed9i t\u1ea1i. M\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng TMCP K\u1ef9 th\u01b0\u01a1ng Vi\u1ec7t Nam (Techcombank) \u0111\u00e3 c\u00f4ng b\u1ed1 ngh\u1ecb quy\u1ebft th\u00f4ng qua ph\u01b0\u01a1ng \u00e1n t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 \u0111\u1ea7y tham v\u1ecdng. Vi\u1ec7c chu\u1ea9n b\u1ecb ph\u00e1t h\u00e0nh g\u1ea7n 4,29 t\u1ef7 c\u1ed5 phi\u1ebfu kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 t\u0103ng v\u1ed1n thu\u1ea7n t\u00fay m\u00e0 c\u00f2n \u0111\u00e1nh d\u1ea5u c\u1ed9t m\u1ed1c l\u1ecbch s\u1eed khi nh\u00e0 b\u0103ng n\u00e0y s\u1eafp v\u01b0\u1ee3t ng\u01b0\u1ee1ng 110.000 t\u1ef7 \u0111\u1ed3ng, thi\u1ebft l\u1eadp v\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng ngay c\u1ea3 khi kh\u00f4ng thu\u1ed9c nh\u00f3m “Big 4” truy\u1ec1n th\u1ed1ng.<\/p>\n

\n \"V\u1ed1n
\u1ea2nh t\u1eeb ngu\u1ed3n: cafef.vn<\/em><\/figcaption><\/figure>\n

C\u01a1 c\u1ea5u v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng v\u00e0 chi\u1ebfn l\u01b0\u1ee3c t\u0103ng tr\u01b0\u1edfng<\/h2>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y m\u1ed9t ngh\u1ecbch l\u00fd l\u00e0 trong khi nhi\u1ec1u doanh nghi\u1ec7p \u0111ang ch\u1eadt v\u1eadt t\u00e1i c\u1ea5u tr\u00fac \u0111\u1ec3 t\u1ed3n t\u1ea1i, \u0111i\u1ec3n h\u00ecnh nh\u01b0 nh\u1eefng kh\u00f3 kh\u0103n m\u00e0 Yeah1 v\u00e0 b\u00e0i to\u00e1n t\u00e1i c\u1ea5u tr\u00fac m\u00f4 h\u00ecnh v\u1eadn h\u00e0nh<\/a> \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t, th\u00ec kh\u1ed1i ng\u00e2n h\u00e0ng l\u1ea1i cho th\u1ea5y s\u1ee9c b\u1ec1n \u0111\u00e1ng n\u1ec3 th\u00f4ng qua vi\u1ec7c ch\u1ee7 \u0111\u1ed9ng gia t\u0103ng ngu\u1ed3n l\u1ef1c. Trong ph\u01b0\u01a1ng \u00e1n c\u1ee7a Techcombank, ph\u1ea7n l\u1edbn l\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu ph\u00e1t h\u00e0nh \u0111\u1ebfn t\u1eeb ngu\u1ed3n v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu (4,25 t\u1ef7 c\u1ed5 phi\u1ebfu), b\u00ean c\u1ea1nh m\u1ed9t ph\u1ea7n nh\u1ecf ESOP cho ng\u01b0\u1eddi lao \u0111\u1ed9ng. \u0110\u1ed9ng th\u00e1i n\u00e0y gi\u00fap n\u00e2ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1eeb m\u1ee9c 70.862 t\u1ef7 \u0111\u1ed3ng hi\u1ec7n t\u1ea1i l\u00ean 113.739 t\u1ef7 \u0111\u1ed3ng, v\u01b0\u1ee3t qua h\u00e0ng lo\u1ea1t “\u00f4ng l\u1edbn” nh\u01b0 Vietcombank, MB, VPBank, VietinBank v\u00e0 BIDV \u0111\u1ec3 n\u1eafm gi\u1eef v\u1ecb tr\u00ed qu\u00e1n qu\u00e2n v\u1ec1 v\u1ed1n \u0111i\u1ec1u l\u1ec7.<\/p>\n

Vi\u1ec7c t\u0103ng v\u1ed1n kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 l\u00e0m d\u00e0y b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n m\u00e0 c\u00f2n l\u00e0 s\u1ef1 chu\u1ea9n b\u1ecb c\u1ea7n thi\u1ebft cho c\u00e1c k\u1ebf ho\u1ea1ch kinh doanh d\u00e0i h\u1ea1n. Khi quy m\u00f4 v\u1ed1n \u0111\u1ea1t ng\u01b0\u1ee1ng ba con s\u1ed1 ngh\u00ecn t\u1ef7, n\u0103ng l\u1ef1c h\u1ea5p th\u1ee5 r\u1ee7i ro v\u00e0 d\u01b0 \u0111\u1ecba cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng s\u1ebd \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng t\u01b0\u01a1ng \u1ee9ng. \u0110\u00e2y c\u0169ng l\u00e0 th\u1eddi \u0111i\u1ec3m nh\u1ea1y c\u1ea3m c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh khi s\u1ef1 ph\u00e2n h\u00f3a gi\u1eefa c\u00e1c \u0111\u01a1n v\u1ecb \u0111ang di\u1ec5n ra m\u1ea1nh m\u1ebd, v\u00ed d\u1ee5 nh\u01b0 tr\u01b0\u1eddng h\u1ee3p c\u00e1c m\u00e3 c\u1ed5 phi\u1ebfu nh\u01b0 DDG \u0111\u1ed1i di\u1ec7n nguy c\u01a1 h\u1ee7y ni\u00eam y\u1ebft trong b\u1ed1i c\u1ea3nh kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh<\/a>, t\u1ea1o n\u00ean nh\u1eefng m\u1ea3ng m\u00e0u \u0111\u1ed1i l\u1eadp tr\u00ean b\u1ea3ng \u0111i\u1ec7n t\u1eed.<\/p>\n

\u0110\u1ed9ng l\u1ef1c t\u1eeb c\u00f4ng ngh\u1ec7 v\u00e0 h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh<\/h3>\n

\u0110\u00e1ng ch\u00fa \u00fd, \u0111\u1eb1ng sau con s\u1ed1 t\u0103ng tr\u01b0\u1edfng v\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng l\u00e0 s\u1ef1 thay \u0111\u1ed5i v\u1ec1 t\u01b0 duy qu\u1ea3n tr\u1ecb. Ban l\u00e3nh \u0111\u1ea1o Techcombank nh\u1ea5n m\u1ea1nh vi\u1ec7c \u1ee9ng d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) to\u00e0n di\u1ec7n trong v\u1eadn h\u00e0nh v\u00e0o n\u0103m 2026. C\u00f4ng ngh\u1ec7 kh\u00f4ng c\u00f2n l\u00e0 c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 m\u00e0 \u0111ang tr\u1edf th\u00e0nh “x\u01b0\u01a1ng s\u1ed1ng” c\u1ee7a h\u1ec7 th\u1ed1ng, cho ph\u00e9p c\u00e1 nh\u00e2n h\u00f3a tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 duy tr\u00ec s\u1ef1 k\u1ebft n\u1ed1i li\u00ean t\u1ee5c 24\/7. \u0110i\u1ec1u n\u00e0y t\u01b0\u01a1ng \u0111\u1ed3ng v\u1edbi xu th\u1ebf chuy\u1ec3n d\u1ecbch trong d\u00f2ng ch\u1ea3y t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u, n\u01a1i c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00e0i s\u1ea3n h\u1eefu h\u00ecnh m\u00e0 c\u00f2n d\u1ef1a v\u00e0o kh\u1ea3 n\u0103ng t\u00edch h\u1ee3p h\u1ec7 sinh th\u00e1i s\u1ed1.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c m\u1edf r\u1ed9ng ra ngo\u00e0i khu\u00f4n kh\u1ed5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng th\u00f4ng qua c\u00e1c n\u1ec1n t\u1ea3ng th\u1ecb tr\u01b0\u1eddng v\u1ed1n, qu\u1ea3n l\u00fd gia s\u1ea3n v\u00e0 thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi cho th\u1ea5y t\u1ea7m nh\u00ecn v\u01b0\u1ee3t tho\u00e1t kh\u1ecfi m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng thu\u1ea7n t\u00fay. Nh\u1eefng b\u01b0\u1edbc \u0111i n\u00e0y, c\u00f9ng v\u1edbi vi\u1ec7c duy tr\u00ec chi tr\u1ea3 c\u1ed5 t\u1ee9c b\u1eb1ng ti\u1ec1n m\u1eb7t cho th\u1ea5y ng\u00e2n h\u00e0ng \u0111ang n\u1ed7 l\u1ef1c c\u00e2n b\u1eb1ng gi\u1eefa vi\u1ec7c gi\u1eef ch\u00e2n c\u1ed5 \u0111\u00f4ng v\u00e0 \u0111\u1ea7u t\u01b0 cho t\u01b0\u01a1ng lai. Trong m\u1ed9t b\u1ee9c tranh v\u0129 m\u00f4 \u0111\u1ea7y bi\u1ebfn \u0111\u1ed9ng, n\u01a1i c\u00e1c y\u1ebfu t\u1ed1 ngo\u1ea1i giao v\u00e0 d\u00e0n t\u1ef7 ph\u00fa n\u1ed5i ti\u1ebfng th\u1ebf gi\u1edbi \u0111\u1ed3ng h\u00e0nh c\u00f9ng T\u1ed5ng th\u1ed1ng M\u1ef9 t\u1edbi Trung Qu\u1ed1c<\/a> c\u0169ng c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng gi\u00e1n ti\u1ebfp \u0111\u1ebfn d\u00f2ng v\u1ed1n \u0111\u1ea7u t\u01b0, th\u00ec s\u1ef1 t\u1ef1 ch\u1ee7 v\u1ec1 ngu\u1ed3n l\u1ef1c l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t \u0111\u1ec3 b\u1ea5t k\u1ef3 \u0111\u1ecbnh ch\u1ebf n\u00e0o gi\u1eef v\u1eefng v\u1ecb th\u1ebf tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

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

V\u1ed1n \u0111i\u1ec1u l\u1ec7 ng\u00e2n h\u00e0ng \u0111ang tr\u1edf th\u00e0nh th\u01b0\u1edbc \u0111o quan tr\u1ecdng cho ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh trong b\u1ed1i c\u1ea3nh c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh t\u1ea1i Vi\u1ec7t Nam li\u00ean t\u1ee5c th\u1ef1c hi\u1ec7n nh\u1eefng b\u01b0\u1edbc \u0111i chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 c\u1ee7ng c\u1ed1 s\u1ee9c m\u1ea1nh n\u1ed9i t\u1ea1i. M\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng TMCP K\u1ef9 th\u01b0\u01a1ng Vi\u1ec7t Nam (Techcombank) \u0111\u00e3 […]<\/p>\n","protected":false},"author":1,"featured_media":15006,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[43],"tags":[],"class_list":["post-15008","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tong-quan-thi-truong"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/15008","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=15008"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/15008\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/15006"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=15008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=15008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=15008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}