Thực trạng và giải pháp giải quyết nợ xấu tại các ngân hàng Việt Nam

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012 3("4
*56#70
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 
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%&'7893
'":'%&%%/!;-./0
1 7<)=9)!"!"46>883888.?3
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 / ;-BL3';;M./0
10- NOP/7;M *!
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120%#J3
Thứ hai, thông n về khách hàng vừa thiếu, vừa không chuẩn
xác.c **BFe 0/IT
:0WV3
t20%#)6a89/ Z%L n)BFZ%C
 FBK)/B:P#3%*7-4

Z%/4!P#k;MI#sBC-C F
G!/!P#!G*e
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[#I\)TVX/+$;iAu(k?/MsCST
C;/0)CT/)*CT:*S -)
*;ve/63
^
Thứ ba, hoạt động thâu tóm, mua bán, sáp nhập, các công ty sân
sau, sở hữu chéo trong ngân hàng đã tạo ra những vòng luẩn quẩn
của dòng ền.c*G/ AX,#K
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Z0T:0#I3%);v *#XTk
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 ,TI!-3
Thứ tư, nợ xấu còn có nguyên nhân sâu xa từ đạo đức nghề
nghiệp của một số cán bộ ngân hàng và khách hàng3o
 M6;M,I* #YXW0#k/ #
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*6# #X;-CX 4
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#X./0BL7*;nT#Y0T3

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Y00T333/ #7*; 
 !4 * e3Oi#Y k0
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0:71F 3On !U/
! *k0"0- 20%#;v
B0:73
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Về phía các ngân hàng thương mại
c-4-G)%&'fQ
wU/n?F/ITMTJ1R:*S3'k##m
C0TTP/bT# ;7C77#7
P?3
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7-4A e F#h
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C7T{0#ACXTI/6:0
:7/1gX/F/ -/{P7#P
7*;XWV3
E#;0P YVTWV
XP7#P15#7#C70-TWV
Bn! 0 /!)JLT
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:73cSƒXP#01:*ST
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A;;B|*- R1
:1#X)*#!h)/ #;/0:7T)+
:*S*BK3
Về phía doanh nghiệp vay vốn
a
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?) 0C$TI/p(P?-:*
Jk#XkY/6AZ%);UV;7TK#1

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 F)7e:7SZ%)P,:0
WV4 3
Về phía Ngân hàng Nhà nước
% 0TT/P e
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F;TP"STWVX/IT/ #";i
#BTWV3o0#1
!4M*)0TPYT
WVB% !4:7/P0T-1
Y*/ #;/0:7T/ :m
XWV1 3
%U/ACX1#X;-
 )#;J,/*PXCX 3c*/
#XA*6"C7/ #0- /BC
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J/K :KCi#X ;- )  1  
8
!"#0!U/)P#v-;v!q
TV)0,TI-1Z%;vs "3

9:;:<=>?@A>BC
3 Thời báo Kinh tế Sài Gòn số 24, 36 năm 2012;
>3 Thời báo Ngân hàng, các bài có liên quan năm 2012;
]3 Xếp hạng Cn dụng nội bộ - thực trạng và giải pháp, Kỷ yếu Hội
thảo tháng 9/2012;
^3 Báo cáo kinh tế - xã hội năm 2012 - 2013;
_3 Đề án Tái cơ cấu DNNN của Bộ Tài chính, năm 2012.
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