{"id":4413,"date":"2020-07-24T15:12:46","date_gmt":"2020-07-24T08:12:46","guid":{"rendered":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/?p=4413"},"modified":"2022-10-15T22:47:43","modified_gmt":"2022-10-15T15:47:43","slug":"xu-huong-bao-hiem-tien-gui-tai-khu-vuc-chau-a-thai-binh-duong","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/xu-huong-bao-hiem-tien-gui-tai-khu-vuc-chau-a-thai-binh-duong\/","title":{"rendered":"Xu h\u01b0\u1edbng b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi t\u1ea1i khu v\u1ef1c Ch\u00e2u \u00c1 – Th\u00e1i B\u00ecnh D\u01b0\u01a1ng"},"content":{"rendered":"
\u1ee6y ban Khu v\u1ef1c Ch\u00e2u \u00c1 – Th\u00e1i B\u00ecnh D\u01b0\u01a1ng (APRC) l\u00e0 \u1ee7y ban khu v\u1ef1c l\u1edbn th\u1ee9 hai c\u1ee7a Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi qu\u1ed1c t\u1ebf (IADI) v\u1edbi 20 t\u1ed5 ch\u1ee9c th\u00e0nh vi\u00ean.<\/h5>\n
\"S\u00e1ch

Chi tr\u1ea3 BHTG nhanh ch\u00f3ng cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 duy tr\u00ec ni\u1ec1m tin v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh.<\/p><\/div>\n

Theo k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t c\u1ee7a IADI, nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, nhi\u1ec1u th\u00e0nh vi\u00ean APRC \u0111\u00e3 t\u0103ng c\u01b0\u1eddng ch\u1ee9c n\u0103ng, nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a h\u1ec7 th\u1ed1ng B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi (BHTG), nh\u01b0 m\u1edf r\u1ed9ng nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n, t\u0103ng h\u1ea1n m\u1ee9c BHTG, \u0111a d\u1ea1ng ho\u00e1 ngu\u1ed3n v\u1ed1n h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p cho t\u1ed5 ch\u1ee9c BHTG, t\u0103ng c\u01b0\u1eddng vai tr\u00f2 c\u1ee7a t\u1ed5 ch\u1ee9c BHTG trong x\u1eed l\u00fd, r\u00fat ng\u1eafn th\u1eddi gian chi tr\u1ea3 nh\u1eb1m b\u1ea3o v\u1ec7 t\u1ed1t nh\u1ea5t ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, g\u00f3p ph\u1ea7n \u1ed5n \u0111\u1ecbnh h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh.<\/p>\n

T\u0103ng h\u1ea1n m\u1ee9c BHTG<\/strong><\/p>\n

N\u0103m 2017, h\u1ea1n m\u1ee9c BHTG trung b\u00ecnh c\u1ee7a khu v\u1ef1c APRC l\u00e0 70.688 USD cho m\u1ed7i ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, t\u0103ng m\u1ea1nh t\u1eeb 27.625 USD n\u0103m 2008. 5 n\u01b0\u1edbc c\u00f3 h\u1ea1n m\u1ee9c BHTG cao nh\u1ea5t l\u00e0 Th\u00e1i Lan (456.660 USD), Australia (195.000 USD), Indonesia (149.740 USD), \u0110\u00e0i Loan (100.509 USD) v\u00e0 Nh\u1eadt B\u1ea3n (94.127 USD). T\u1ea1i th\u1eddi \u0111i\u1ec3m n\u0103m 2017, t\u1ef7 l\u1ec7 h\u1ea1n m\u1ee9c BHTG tr\u00ean GDP b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi c\u1ee7a c\u00e1c n\u01b0\u1edbc khu v\u1ef1c APRC \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n \u1edf h\u00ecnh sau:<\/p>\n

\"S\u00e1ch

T\u1ef7 l\u1ec7 h\u1ea1n m\u1ee9c BHTG tr\u00ean GDP b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi c\u1ee7a c\u00e1c n\u01b0\u1edbc khu v\u1ef1c APRC.<\/p><\/div>\n

C\u00f3 th\u1ec3 th\u1ea5y, t\u1ef7 l\u1ec7 h\u1ea1n m\u1ee9c BHTG\/GDP b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi cao nh\u1ea5t trong khu v\u1ef1c APRC l\u00e0 Th\u00e1i Lan, r\u1ed3i \u0111\u1ebfn Indonesia. Vi\u1ec7t Nam c\u00f3 t\u1ef7 l\u1ec7 h\u1ea1n m\u1ee9c\/GDP b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi \u0111\u1ee9ng th\u1ee9 6\/19 t\u1ed5 ch\u1ee9c BHTG, th\u1ea5p h\u01a1n nh\u1eefng n\u01b0\u1edbc l\u00e2n c\u1eadn nh\u01b0 Th\u00e1i Lan, Philippines, Malaysia.<\/p>\n

T\u1eeb n\u0103m 2008 \u0111\u1ebfn n\u0103m 2017, c\u00e1c qu\u1ed1c gia c\u00f3 s\u1ef1 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 nh\u1ea5t trong h\u1ea1n m\u1ee9c BHTG bao g\u1ed3m: \u0110\u00e0i Loan (n\u0103m 2011) t\u1eeb 54.213 USD l\u00ean 100.509 USD, Malaysia (n\u0103m 2011) t\u1eeb 43.639 USD l\u00ean 61.782 USD, Kazakhstan (n\u0103m 2008 v\u00e0 2015) t\u1eeb 6.000 USD l\u00ean 30.091 USD, v\u00e0 Philippines (n\u0103m 2009) t\u1eeb 23.512 USD l\u00ean 37.408 USD.<\/p>\n

T\u0103ng c\u01b0\u1eddng vai tr\u00f2 c\u1ee7a t\u1ed5 ch\u1ee9c BHTG trong x\u1eed l\u00fd<\/strong><\/p>\n

Nhi\u1ec1u th\u00e0nh vi\u00ean APRC \u0111\u00e3 t\u0103ng c\u01b0\u1eddng nhi\u1ec7m v\u1ee5 v\u00e0 quy\u1ec1n h\u1ea1n trong l\u0129nh v\u1ef1c x\u1eed l\u00fd. V\u00ed d\u1ee5, BHTG Indonesia \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c th\u1ea9m quy\u1ec1n x\u1eed l\u00fd, trong khi BHTG Kazakhstan \u0111\u00e3 tr\u1edf th\u00e0nh c\u01a1 quan thanh l\u00fd c\u00e1c ng\u00e2n h\u00e0ng th\u00e0nh vi\u00ean b\u1ecb \u0111\u1ed5 v\u1ee1.<\/p>\n

M\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c BHTG \u1edf APRC c\u00f3 th\u1ea9m quy\u1ec1n x\u00e1c \u0111\u1ecbnh c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ea7m quan tr\u1ecdng mang t\u00ednh h\u1ec7 th\u1ed1ng trong n\u01b0\u1edbc (D-SIBs), x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch x\u1eed l\u00fd v\u00e0 ph\u1ee5c h\u1ed3i (Malaysia v\u00e0 \u0110\u00e0i Loan), \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p mua l\u1ea1i v\u00e0 s\u00e1p nh\u1eadp (P&A), chi tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m (Philippines), ho\u1eb7c \u0111\u00f3ng vai tr\u00f2 l\u1edbn h\u01a1n trong vi\u1ec7c x\u1eed l\u00fd c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (Vi\u1ec7t Nam).<\/p>\n

N\u1ebfu nh\u01b0 n\u0103m 2012 c\u00f3 7 t\u1ed5 ch\u1ee9c kh\u00f4ng tham gia v\u00e0o vi\u1ec7c quy\u1ebft \u0111\u1ecbnh bi\u1ec7n ph\u00e1p x\u1eed l\u00fd th\u00ec t\u1edbi n\u0103m 2017 ch\u1ec9 c\u00f2n 5 t\u1ed5 ch\u1ee9c kh\u00f4ng tham gia v\u00e0o vi\u1ec7c quy\u1ebft \u0111\u1ecbnh bi\u1ec7n ph\u00e1p x\u1eed l\u00fd. C\u00e1c t\u1ed5 ch\u1ee9c BHTG \u00e1p d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c kh\u00e1c theo k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t \u0111\u1ec1u c\u00f3 vai tr\u00f2 trong x\u1eed l\u00fd.<\/p>\n

R\u00fat ng\u1eafn th\u1eddi gian chi tr\u1ea3<\/strong><\/p>\n

Nh\u00ecn chung, c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c APRC \u0111\u00e3 n\u1ed7 l\u1ef1c r\u00fat ng\u1eafn th\u1eddi gian chi tr\u1ea3 cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. Th\u1eddi gian m\u1ee5c ti\u00eau \u0111\u1ec3 ho\u00e0n th\u00e0nh chi tr\u1ea3 BHTG trung b\u00ecnh c\u1ee7a khu v\u1ef1c APRC l\u00e0 55 ng\u00e0y trong n\u0103m 2015 v\u00e0 2016, gi\u1ea3m xu\u1ed1ng c\u00f2n 40 ng\u00e0y trong n\u0103m 2017.<\/p>\n

C\u00e1c qu\u1ed1c gia nh\u01b0 H\u00e0n Qu\u1ed1c, Malaysia v\u00e0 Th\u00e1i Lan \u0111\u00e3 gi\u1ea3m d\u1ea7n s\u1ed1 ng\u00e0y chi tr\u1ea3 m\u1ee5c ti\u00eau. T\u1ea1i H\u00e0n Qu\u1ed1c, m\u1ee5c ti\u00eau \u0111\u00e3 gi\u1ea3m t\u1eeb ba (3) \u0111\u1ebfn b\u1ed1n (4) th\u00e1ng trong n\u0103m 2012 xu\u1ed1ng c\u00f2n b\u1ea3y (7) ng\u00e0y \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i. T\u1ea1i Malaysia, m\u1eb7c d\u00f9 th\u1eddi gian \u0111\u01b0\u1ee3c lu\u1eadt h\u00f3a \u0111\u1ec3 ho\u00e0n th\u00e0nh vi\u1ec7c ho\u00e0n tr\u1ea3 l\u00e0 90 ng\u00e0y, m\u1ee5c ti\u00eau ho\u1ea1t \u0111\u1ed9ng hi\u1ec7n t\u1ea1i c\u1ee7a c\u00f4ng ty l\u00e0 ba (3) ng\u00e0y; T\u1ea1i Th\u00e1i Lan, m\u1ee5c ti\u00eau \u0111\u00e3 gi\u1ea3m xu\u1ed1ng c\u00f2n 30 ng\u00e0y trong n\u0103m 2017, so v\u1edbi 160 ng\u00e0y trong n\u0103m 2015.<\/p>\n

Chi tr\u1ea3 BHTG nhanh ch\u00f3ng cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 duy tr\u00ec ni\u1ec1m tin v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh. Tuy nhi\u00ean, trong khu v\u1ef1c APRC, ch\u1ec9 kho\u1ea3ng m\u1ed9t ph\u1ea7n t\u01b0 (26%) th\u00e0nh vi\u00ean tu\u00e2n th\u1ee7 Nguy\u00ean t\u1eafc 15 (B\u1ed9 nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n ph\u00e1t tri\u1ec3n h\u1ec7 th\u1ed1ng BHTG hi\u1ec7u qu\u1ea3) v\u1ec1 vi\u1ec7c chi tr\u1ea3 BHTG cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, theo \u0111\u00f3 t\u1ed5 ch\u1ee9c BHTG c\u00f3 th\u1ec3 chi tr\u1ea3 cho ph\u1ea7n l\u1edbn ng\u01b0\u1eddi g\u1eedi ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong v\u00f2ng 7 ng\u00e0y l\u00e0m vi\u1ec7c (Australia, H\u1ed3ng K\u00f4ng, H\u00e0n Qu\u1ed1c, Malaysia v\u00e0 Singapore).<\/p>\n

M\u1ed9t ph\u1ea7n n\u0103m th\u00e0nh vi\u00ean (21%) c\u00f3 m\u1ee5c ti\u00eau chi tr\u1ea3 BHTG trong v\u00f2ng 90 ng\u00e0y, bao g\u1ed3m c\u1ea3 Azerbaijan, Bangladesh, Brunei v\u00e0 Indonesia. N\u0103m (5) th\u00e0nh vi\u00ean kh\u00e1c \u0111\u1eb7t m\u1ee5c ti\u00eau ho\u00e0n th\u00e0nh ho\u00e0n tr\u1ea3 t\u1eeb 10 ng\u00e0y (M\u00f4ng C\u1ed5) \u0111\u1ebfn 60 ng\u00e0y (Vi\u1ec7t Nam). Trong khi \u0111\u00f3, \u0110\u00e0i B\u1eafc c\u1ee7a Trung Qu\u1ed1c v\u00e0 \u1ea4n \u0110\u1ed9 \u0111\u1eb7t m\u1ee5c ti\u00eau chi tr\u1ea3 BHTG c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t.<\/p>\n

Li\u00ean h\u1ec7 v\u1edbi Vi\u1ec7t Nam<\/strong><\/p>\n

C\u00f9ng v\u1edbi xu h\u01b0\u1edbng chung c\u1ee7a khu v\u1ef1c, th\u1eddi gian qua BHTGVN c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c t\u0103ng c\u01b0\u1eddng vai tr\u00f2 trong x\u1eed l\u00fd, c\u1ee5 th\u1ec3 Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt C\u00e1c TCTD \u0111\u00e3 giao th\u00eam m\u1ed9t s\u1ed1 nhi\u1ec7m v\u1ee5 m\u1edbi cho BHTGVN, nh\u01b0 tham gia ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, \u0111\u00e1nh gi\u00e1 t\u00ednh kh\u1ea3 thi c\u1ee7a ph\u01b0\u01a1ng \u00e1n ph\u1ee5c h\u1ed3i \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u1ebfu k\u00e9m, cho vay h\u1ed7 tr\u1ee3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, mua tr\u00e1i phi\u1ebfu d\u00e0i h\u1ea1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3…<\/p>\n

T\u1eeb kinh nghi\u1ec7m chung c\u1ee7a c\u00e1c th\u00e0nh vi\u00ean trong khu v\u1ef1c APRC, \u0111\u1ec3 th\u1ef1c hi\u1ec7n t\u1ed1t nh\u1ea5t vai tr\u00f2 c\u1ee7a m\u00ecnh, BHTGVN n\u00ean xem x\u00e9t:<\/p>\n

Th\u1ee9 nh\u1ea5t,\u00a0t\u0103ng h\u1ea1n m\u1ee9c BHTG do h\u1ea1n m\u1ee9c BHTG t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p so v\u1edbi c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c;<\/p>\n

Th\u1ee9 hai,\u00a0n\u1ed7 l\u1ef1c r\u00fat ng\u1eafn th\u1eddi gian chi tr\u1ea3 BHTG nh\u1eb1m duy tr\u00ec ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh;<\/p>\n

Th\u1ee9 ba,\u00a0nghi\u00ean c\u1ee9u \u0111\u1ec1 xu\u1ea5t th\u00eam c\u00e1c bi\u1ec7n ph\u00e1p x\u1eed l\u00fd TCTD y\u1ebfu k\u00e9m nh\u01b0 P&A, ng\u00e2n h\u00e0ng b\u1eafc c\u1ea7u v\u00e0 h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng m\u1edf;<\/p>\n

Th\u1ee9 t\u01b0,\u00a0nghi\u00ean c\u1ee9u b\u1ed5 sung ngu\u1ed3n v\u1ed1n h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p cho t\u1ed5 ch\u1ee9c BHTG nh\u01b0 vay t\u1eeb ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng.<\/p>\n

Theo T\u1ea1p ch\u00ed t\u00e0i ch\u00ednh.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u1ee6y ban Khu v\u1ef1c Ch\u00e2u \u00c1 – Th\u00e1i B\u00ecnh D\u01b0\u01a1ng (APRC) l\u00e0 \u1ee7y ban khu v\u1ef1c l\u1edbn th\u1ee9 hai c\u1ee7a Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi qu\u1ed1c t\u1ebf (IADI) v\u1edbi…<\/p>\n","protected":false},"author":14,"featured_media":4415,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[147,143],"tags":[165,167,166,159],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bizuni.vn\/kien-thuc-quan-tri\/wp-content\/uploads\/2020\/07\/bhtg.jpg?fit=800%2C450&ssl=1","_links":{"self":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/posts\/4413"}],"collection":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/comments?post=4413"}],"version-history":[{"count":0,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/posts\/4413\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/media\/4415"}],"wp:attachment":[{"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/media?parent=4413"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/categories?post=4413"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/wp-json\/wp\/v2\/tags?post=4413"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}