{"id":15674,"date":"2026-05-20T10:17:30","date_gmt":"2026-05-20T03:17:30","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/20\/thong-tu-08-cu-hich-chinh-sach-cho-nhom-ngan-hang-quoc-doanh\/"},"modified":"2026-05-20T10:17:30","modified_gmt":"2026-05-20T03:17:30","slug":"thong-tu-08-cu-hich-chinh-sach-cho-nhom-ngan-hang-quoc-doanh","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/20\/thong-tu-08-cu-hich-chinh-sach-cho-nhom-ngan-hang-quoc-doanh\/","title":{"rendered":"Th\u00f4ng t\u01b0 08: C\u00fa h\u00edch ch\u00ednh s\u00e1ch cho nh\u00f3m ng\u00e2n h\u00e0ng qu\u1ed1c doanh"},"content":{"rendered":"
\n

Th\u00f4ng t\u01b0 08\/2026\/TT-NHNN v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh \u0111\u00e3 t\u1ea1o n\u00ean m\u1ed9t l\u00e0n s\u00f3ng quan t\u00e2m \u0111\u1eb7c bi\u1ec7t trong gi\u1edbi t\u00e0i ch\u00ednh, \u0111\u01b0\u1ee3c v\u00ed nh\u01b0 c\u00fa h\u00edch ch\u00ednh s\u00e1ch quan tr\u1ecdng gi\u00fap n\u1edbi l\u1ecfng “chi\u1ebfc v\u00f2ng kim c\u00f4” v\u1ec1 ch\u1ec9 s\u1ed1 an to\u00e0n v\u1ed1n cho nh\u00f3m ng\u00e2n h\u00e0ng qu\u1ed1c doanh. Vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh c\u01a1 ch\u1ebf t\u00ednh to\u00e1n t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR) kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 m\u1ed9t thay \u0111\u1ed5i k\u1ef9 thu\u1eadt, m\u00e0 c\u00f2n l\u00e0 b\u01b0\u1edbc \u0111i chi\u1ebfn l\u01b0\u1ee3c nh\u1eb1m kh\u01a1i th\u00f4ng d\u00f2ng v\u1ed1n t\u00edn d\u1ee5ng trong b\u1ed1i c\u1ea3nh thanh kho\u1ea3n h\u1ec7 th\u1ed1ng ch\u1ecbu nhi\u1ec1u \u00e1p l\u1ef1c.<\/p>\n

\n \"Th\u00f4ng
\u1ea2nh t\u1eeb ngu\u1ed3n: vneconomy.vn<\/em><\/figcaption><\/figure>\n

B\u1ea3n ch\u1ea5t thay \u0111\u1ed5i c\u1ee7a Th\u00f4ng t\u01b0 08 \u0111\u1ed1i v\u1edbi nh\u00f3m ng\u00e2n h\u00e0ng qu\u1ed1c doanh<\/h2>\n

Tr\u01b0\u1edbc khi Th\u00f4ng t\u01b0 08 \u0111i v\u00e0o hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 15\/5\/2026, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed1i m\u1eb7t v\u1edbi quy \u0111\u1ecbnh kh\u1eaft khe t\u1eeb Th\u00f4ng t\u01b0 26\/2022, trong \u0111\u00f3 lo\u1ea1i b\u1ecf ho\u00e0n to\u00e0n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc khi t\u00ednh to\u00e1n m\u1eabu s\u1ed1 LDR. Th\u1ef1c t\u1ebf t\u1ea1i th\u1eddi \u0111i\u1ec3m qu\u00fd 1\/2026 cho th\u1ea5y, c\u00e1c “\u00f4ng l\u1edbn” g\u1ed3m Vietcombank, BIDV v\u00e0 VietinBank \u0111\u1ec1u \u0111\u00e3 ch\u1ea1m ng\u01b0\u1ee1ng tr\u1ea7n LDR 85%. Khi c\u00e1c ch\u1ec9 s\u1ed1 an to\u00e0n \u0111\u00e3 ti\u1ebfn s\u00e1t gi\u1edbi h\u1ea1n, d\u01b0 \u0111\u1ecba cho vay c\u1ee7a nh\u1eefng ng\u00e2n h\u00e0ng n\u00e0y g\u1ea7n nh\u01b0 c\u1ea1n ki\u1ec7t, b\u1ea5t ch\u1ea5p nhu c\u1ea7u v\u1ed1n t\u1eeb n\u1ec1n kinh t\u1ebf v\u1eabn \u0111ang tr\u00ean \u0111\u00e0 ph\u1ee5c h\u1ed3i m\u1ea1nh m\u1ebd.<\/p>\n

Thay \u0111\u1ed5i c\u1ed1t l\u00f5i c\u1ee7a Th\u00f4ng t\u01b0 08 ch\u00ednh l\u00e0 vi\u1ec7c cho ph\u00e9p 20% ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c t\u00ednh tr\u1edf l\u1ea1i v\u00e0o m\u1eabu s\u1ed1 LDR. \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 h\u00e0nh \u0111\u1ed9ng “c\u1edfi tr\u00f3i” k\u1ecbp th\u1eddi cho nh\u00f3m ng\u00e2n h\u00e0ng qu\u1ed1c doanh, nh\u1eefng \u0111\u01a1n v\u1ecb hi\u1ec7n \u0111ang n\u1eafm gi\u1eef t\u1edbi 99% t\u1ed5ng l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc to\u00e0n h\u1ec7 th\u1ed1ng. \u0110\u1ed1i v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb nh\u01b0 VCB hay BID, vi\u1ec7c \u0111\u01b0a 20% l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi n\u00e0y v\u00e0o c\u00f4ng th\u1ee9c t\u00ednh to\u00e1n gi\u00fap gi\u1ea3i ph\u00f3ng m\u1ed9t ngu\u1ed3n l\u1ef1c \u0111\u00e1ng k\u1ec3, t\u1ea1o d\u01b0 \u0111\u1ecba cho vay l\u00fd thuy\u1ebft h\u00e0ng ch\u1ee5c ngh\u00ecn t\u1ef7 \u0111\u1ed3ng m\u00e0 kh\u00f4ng vi ph\u1ea1m c\u00e1c r\u00e0o c\u1ea3n v\u1ec1 an to\u00e0n v\u1ed1n.<\/p>\n

Gi\u1ea3i t\u1ecfa \u0111i\u1ec3m ngh\u1ebdn thanh kho\u1ea3n h\u1ec7 th\u1ed1ng<\/h2>\n

Nh\u00ecn s\u00e2u v\u00e0o b\u1ea3n ch\u1ea5t, vi\u1ec7c ban h\u00e0nh Th\u00f4ng t\u01b0 08 l\u00e0 m\u1ed9t n\u01b0\u1edbc \u0111i linh ho\u1ea1t c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd tr\u01b0\u1edbc \u00e1p l\u1ef1c thanh kho\u1ea3n ng\u00e0y c\u00e0ng gia t\u0103ng. Trong nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2026, d\u00f9 m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u00f3 xu h\u01b0\u1edbng nh\u00edch l\u00ean, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1eabn v\u01b0\u1ee3t xa t\u0103ng tr\u01b0\u1edfng huy \u0111\u1ed9ng v\u1ed1n. S\u1ef1 ch\u00eanh l\u1ec7ch n\u00e0y khi\u1ebfn t\u1ef7 l\u1ec7 LDR c\u1ee7a 27 ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft t\u00ednh \u0111\u1ebfn cu\u1ed1i qu\u00fd 1\/2026 \u0111\u00e3 \u0111\u1ea1t m\u1ee9c 100%, g\u00e2y ra nh\u1eefng lo ng\u1ea1i v\u1ec1 kh\u1ea3 n\u0103ng cung \u1ee9ng v\u1ed1n \u1ed5n \u0111\u1ecbnh cho n\u1ec1n kinh t\u1ebf.<\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd, n\u1ebfu kh\u00f4ng c\u00f3 Th\u00f4ng t\u01b0 08, ba ng\u00e2n h\u00e0ng qu\u1ed1c doanh \u2013 v\u1ed1n chi\u1ebfm t\u1ef7 tr\u1ecdng r\u1ea5t l\u1edbn trong t\u1ed5ng t\u00edn d\u1ee5ng h\u1ec7 th\u1ed1ng \u2013 s\u1ebd bu\u1ed9c ph\u1ea3i si\u1ebft ch\u1eb7t “phanh” gi\u1ea3i ng\u00e2n d\u00f9 ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1eabn c\u00f2n. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y ra nh\u1eefng \u0111\u1ee9t g\u00e3y kh\u00f4ng \u0111\u00e1ng c\u00f3 trong d\u00f2ng ch\u1ea3y v\u1ed1n ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh. Khi th\u1ecb tr\u01b0\u1eddng \u0111ang ch\u1ee9ng ki\u1ebfn s\u1ef1 bi\u1ebfn \u0111\u1ed9ng ph\u1ee9c t\u1ea1p, t\u1eeb nh\u1eefng kh\u00f3 kh\u0103n trong vi\u1ec7c c\u00e2n b\u1eb1ng l\u1ee3i nhu\u1eadn nh\u01b0 b\u00e0i vi\u1ebft v\u1ec1 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng, d\u1ea7u kh\u00ed ch\u1eefng l\u1ea1i tr\u01b0\u1edbc \u00e1p l\u1ef1c ch\u1ed1t l\u1eddi<\/a>, hay c\u00e1c v\u1ebft n\u1ee9t tr\u00ean th\u1ecb tr\u01b0\u1eddng qua nh\u1eefng phi\u00ean x\u1ea3 \u0111\u1ed9t bi\u1ebfn c\u1ed5 phi\u1ebfu d\u1ea7u kh\u00ed, cao su<\/a>, th\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u1eeb nh\u00f3m ng\u00e2n h\u00e0ng qu\u1ed1c doanh tr\u1edf th\u00e0nh tr\u1ee5 c\u1ed9t quan tr\u1ecdng.<\/p>\n

T\u00e1c \u0111\u1ed9ng t\u1eeb Th\u00f4ng t\u01b0 08 \u0111\u1ebfn d\u01b0 \u0111\u1ecba cho vay<\/h2>\n

Theo \u0111\u00e1nh gi\u00e1 chuy\u00ean m\u00f4n, Th\u00f4ng t\u01b0 08 mang l\u1ea1i t\u00e1c \u0111\u1ed9ng khu bi\u1ec7t, ch\u1ee7 y\u1ebfu h\u1ed7 tr\u1ee3 nh\u00f3m ng\u00e2n h\u00e0ng qu\u1ed1c doanh thay v\u00ec to\u00e0n b\u1ed9 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u01b0 nh\u00e2n. B\u1eb1ng c\u00e1ch gi\u1ea3m t\u1ef7 l\u1ec7 LDR t\u1eeb 1,1% \u0111\u1ebfn 1,5% so v\u1edbi ng\u01b0\u1ee1ng c\u0169, ch\u00ednh s\u00e1ch n\u00e0y \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c nh\u00e0 b\u0103ng l\u1edbn c\u00f3 \u0111\u1ee7 “kh\u00f4ng gian th\u1edf” \u0111\u1ec3 gi\u1ea3i ng\u00e2n \u0111\u1ec1u \u0111\u1eb7n trong n\u1eeda cu\u1ed1i n\u0103m 2026. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 n\u1edbi l\u1ecfng ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 theo ki\u1ec3u \u1ed3 \u1ea1t, m\u00e0 l\u00e0 s\u1ef1 tinh ch\u1ec9nh k\u1ef9 thu\u1eadt \u0111\u1ec3 duy tr\u00ec huy\u1ebft m\u1ea1ch cho n\u1ec1n kinh t\u1ebf.<\/p>\n

Trong b\u1ed1i c\u1ea3nh d\u00f2ng ti\u1ec1n c\u00f3 xu h\u01b0\u1edbng ph\u00e2n b\u1ed5 sang c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 thay th\u1ebf, vi\u1ec7c gi\u1eef cho c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh duy tr\u00ec \u0111\u01b0\u1ee3c tr\u1ea1ng th\u00e1i v\u1eadn h\u00e0nh \u1ed5n \u0111\u1ecbnh l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u. Khi c\u00e1c y\u1ebfu t\u1ed1 v\u0129 m\u00f4 c\u00f2n nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, ch\u1eb3ng h\u1ea1n nh\u01b0 vi\u1ec7c gi\u00e1 v\u00e0ng m\u1eafc k\u1eb9t gi\u1eefa nh\u1eefng bi\u1ebfn \u0111\u1ed9ng tr\u00e1i chi\u1ec1u c\u1ee7a kinh t\u1ebf to\u00e0n c\u1ea7u<\/a>, th\u00ec nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh mang t\u00ednh k\u1ef9 thu\u1eadt nh\u01b0ng s\u00e1t s\u01b0\u1eddn nh\u01b0 Th\u00f4ng t\u01b0 08 l\u1ea1i ph\u00e1t huy vai tr\u00f2 l\u00e0 c\u00f4ng c\u1ee5 gi\u1eef nh\u1ecbp cho th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh trong n\u01b0\u1edbc.<\/p>\n

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

Th\u00f4ng t\u01b0 08\/2026\/TT-NHNN v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh \u0111\u00e3 t\u1ea1o n\u00ean m\u1ed9t l\u00e0n s\u00f3ng quan t\u00e2m \u0111\u1eb7c bi\u1ec7t trong gi\u1edbi t\u00e0i ch\u00ednh, \u0111\u01b0\u1ee3c v\u00ed nh\u01b0 c\u00fa h\u00edch ch\u00ednh s\u00e1ch quan tr\u1ecdng gi\u00fap n\u1edbi l\u1ecfng “chi\u1ebfc v\u00f2ng kim c\u00f4” v\u1ec1 ch\u1ec9 s\u1ed1 an to\u00e0n v\u1ed1n cho nh\u00f3m ng\u00e2n h\u00e0ng qu\u1ed1c doanh. Vi\u1ec7c \u0111i\u1ec1u […]<\/p>\n","protected":false},"author":1,"featured_media":15672,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[44],"tags":[],"class_list":["post-15674","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chung-khoan-viet-nam"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/15674","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=15674"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/15674\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/15672"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=15674"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=15674"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=15674"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}