Tiếp cận để giảm thiểu rủi ro trong hoạt động của ngân hàng thương mại .pdf

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<small>NANG</small> <i><small>eAO NANGL.1jeQUAN TR~ RiJI RO eUA cAe NGAN HANG THUONG MAl VI~T NAM</small></i>

<i>thztdng mfli; d{ic bi~t la dOl vdicac ngan hang thztdng mfli dnztdc ta hi~n nay trong dieuki~n vita hOfltdi)ng, vita cd caulfli va th1jchi~n hi)i nhtjp. Vand€ rui ro trong hOfltdi)ng nganhang dii dztC/cban thao khanhieu, nhztng van d€ titp cg,ndi qua do co cac giai phapquan If nhiim giam thiiu rui</i>

<i>ro thi. c6n dztC/c titp t1,lc nghien</i>

<i>dtu di lam ro hdn. Bai viet nay</i>

ro trong ho~t d(>ngngan hangc6 th~ phfm thanh 3 lo~i hJnhchfnh, d6 la: (1) rui ro ve tai trg,(2) rui ro ho~t d(>ngva (3) rui rotrong vi~c cung cap cac lo~i

ho~t d(>ngtai trg thJ rui ro gia cadl1dCchia lam 3 loai:

(1) D I^_" ^A' ^", .. 0 al suat;

quat lai thanh 2 loai rUi ro Cd

phl1dng phap khac nhau d~' <small>""</small>

h^'

._I

<small>'</small> (3) Ngan hang thieu nguon

<small>,0.</small>

'

<small>0,,~o</small>

cung cap cac IC vu oal rul ro <small>,""A'A'</small>

k^"'<small>t</small>

._I'"₁

_0" Chung quy I~I, rul ro trn dl,lng

nang chi tra)"

<i>af Rui ro fai</i>

<i>fr{1</i>

(chuyeula

tfn dl,lng) la lo~i rui ro de xay ra

va

thl1C1ng

<i>c6 mUc de)lan, de</i>

gay ra thieu kha nang chi tra

nhan chfnh dan den rui ro nay la

dan den khongthu hoi du vanva do

thay d6i gia ca" Trong

PGS.,TS. Nguy~n Blnh TI! * ^-:r1

phat sinh lai treo ho~c d6ng'b~ng, c6 th~ bj thi~t h~i trongvi~c thu lai.

Rui ro tfn dl,lng

thl1C1ngc6d~c di~m la c6 tfnh tat yeu gan

mang tfnh chat gian tiep, c6 tfnh

chat da d~ng va phUc t~po Bi~u

2

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<small>NANdCAG NANG uJc QUAN TR~ Ria RO CUA cAc NGAN HANG THUONG MA.I VI~T NAM</small>

trong ho~t d9ng cua cac ngan

<i>TrU'Cic</i>

<i>hef, nganhangthuong</i>quan Iy va xli' Iy rui ro, d~c bi~t

nghl~p, thay dOl ke toan va tmh_A' _A?' _A _A d6 c6 phuong phap tiep can d~_. _{quyen phan quyet ,}<small>".,</small> <i><small>K</small></i>

.

thue, thay dOl cong ngh~... dinh IUc;1ngduc;1crui ro t6ng th~ <small>A,.,</small>

<small>UI ro tmI,!ng conay ganva rUi ro Cl,! thephuhc;1P cho.,.'A'A"I"</small>

I vdl n ltng nguyen n an 11p la neng mm. ltdng ltdng m <small>?,A'...</small>

(I^' <small>d</small> h h^'A <small>h</small> ^? ^A h^' d th<small>A?</small> baotlenvay;

ngudl vay a oan ng I~p doan cua ngan ang U<;1c e' <small>'"</small> <i><small>K</small></i> <small>-'</small>

<small>.</small> ho~c khach hang ca nhan) do: hi~n ca trong dai h~n, ca a tltng - Chong bao cap trong lal

<small>~</small> kinh doanh thua 10, do thay d6i thai ky va ca doi vai nhiing lo~i suat;

<small>I</small> .

<small>0</small> ^' <small>th "</small> h^{' A}. ,. ... . gla, p an O~I n. va ~c I~ngay-mat mua... .. bao nhieu,

a

lo~i nghi~p vI,! cac quy dinh ve dl! phong rui roo

3 Nh<small>'~'"</small>

d

<small>A</small>

I

<small>'A</small> nao?

<small>,u.,L.Lg</small> van e len ...' <i>Son Iii</i> thuc hien da dan

quan den quan Iy va xltly<i>Hai Iii, t6 chUctiep can d~</i>

_h <small>'</small>

. <small>.,</small>

.

<small>?</small> . ro rong 0 c u rong sl1 ung

<small>h</small>^' <small>d</small>^A?: ^thuc ^hien ^da ^dang ^hoa ^hoat

la tlt sau khi mo cU'ava chuyen trangbl day du klent I1c e vU'a

<small>,."</small>

:

<i>sang cd c e t I trudng.</i> rudc CO e n an Ie, vl1a p an IC' . "h

--

<small>51996</small> " .

11^' <small>d</small>^'" <small>h</small> ^" <small>d</small>^'" ^? <small>I</small>^". ^{choruirotlthoatdongkhac.}

n Lfng nam - ,rUl ro va v a an gla e quan y rUI <small>'.</small>

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