{"id":21659,"date":"2023-12-06T02:50:30","date_gmt":"2023-12-06T02:50:30","guid":{"rendered":"https:\/\/masterskills.org\/blog\/he-so-car-la-gi-cong-thuc-tinh-he-so-car.html"},"modified":"2023-12-22T04:55:48","modified_gmt":"2023-12-21T21:55:48","slug":"he-so-car-la-gi-cong-thuc-tinh-he-so-car","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/he-so-car-la-gi-cong-thuc-tinh-he-so-car.html","title":{"rendered":"H\u1ec7 s\u1ed1 CAR l\u00e0 g\u00ec? C\u00f4ng th\u1ee9c t\u00ednh h\u1ec7 s\u1ed1 CAR"},"content":{"rendered":"
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<\/figure>\n

H\u1ec7 s\u1ed1 CAR l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

H\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n (CAR \u2013 Capital Adequacy Ratio) l\u00e0 t\u1ef7 l\u1ec7 v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng so v\u1edbi t\u00e0i s\u1ea3n c\u00f3 tr\u1ecdng s\u1ed1 r\u1ee7i ro v\u00e0 n\u1ee3 ng\u1eafn h\u1ea1n c\u1ee7a ng\u00e2n h\u00e0ng. N\u00f3 \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng \u0111\u1ec3 ng\u0103n ch\u1eb7n c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1eed d\u1ee5ng \u0111\u00f2n b\u1ea9y qu\u00e1 m\u1ee9c v\u00e0 tr\u1edf n\u00ean m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n trong qu\u00e1 tr\u00ecnh n\u00e0y.<\/p>\n

N\u00f3i c\u00e1ch kh\u00e1c, n\u00f3 \u0111o l\u01b0\u1eddng l\u01b0\u1ee3ng v\u1ed1n m\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng s\u1edf h\u1eefu theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m tr\u00ean t\u1ed5ng m\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f3. C\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng th\u1ef1c thi t\u1ef7 l\u1ec7 n\u00e0y \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o k\u1ef7 lu\u1eadt t\u00edn d\u1ee5ng nh\u1eb1m b\u1ea3o v\u1ec7 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 th\u00fac \u0111\u1ea9y s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 hi\u1ec7u qu\u1ea3 trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh.<\/p>\n

H\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n l\u00e0 h\u1ec7 s\u1ed1 x\u00e1c \u0111\u1ecbnh n\u0103ng l\u1ef1c c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c \u0111\u00e1p \u1ee9ng c\u00e1c kho\u1ea3n n\u1ee3 ph\u1ea3i tr\u1ea3 c\u00f3 th\u1eddi h\u1ea1n v\u00e0 c\u00e1c r\u1ee7i ro kh\u00e1c nh\u01b0 r\u1ee7i ro t\u00edn d\u1ee5ng, r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng, r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng v\u00e0 c\u00e1c r\u1ee7i ro kh\u00e1c. N\u00f3 l\u00e0 th\u01b0\u1edbc \u0111o l\u01b0\u1ee3ng v\u1ed1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u00e0i s\u1ea3n r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

V\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 h\u00ecnh th\u1ee9c \u0111\u01a1n gi\u1ea3n nh\u1ea5t, v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 \u201ct\u1ea5m \u0111\u1ec7m\u201d cho nh\u1eefng t\u1ed5n th\u1ea5t ti\u1ec1m \u1ea9n, b\u1ea3o v\u1ec7 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng ho\u1eb7c nh\u1eefng ng\u01b0\u1eddi cho vay kh\u00e1c.<\/p>\n

C\u00f4ng th\u1ee9c t\u00ednh h\u1ec7 s\u1ed1 CAR<\/strong><\/span><\/h2>\n

C\u00f4ng th\u1ee9c \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111o l\u01b0\u1eddng h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n l\u00e0 = V\u1ed1n c\u1ea5p I + V\u1ed1n c\u1ea5p II + V\u1ed1n c\u1ea5p III)\/ T\u00e0i s\u1ea3n c\u00f3 tr\u1ecdng s\u1ed1 r\u1ee7i ro<\/p>\n

Trong \u0111\u00f3 v\u1ed1n c\u1ea5p I l\u00e0 v\u1ed1n c\u1ed1t l\u00f5i c\u1ee7a ng\u00e2n h\u00e0ng bao g\u1ed3m v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u1ed5 \u0111\u00f4ng v\u00e0 l\u1ee3i nhu\u1eadn \u0111\u1ec3 l\u1ea1i; trong khi v\u1ed1n c\u1ea5p II bao g\u1ed3m d\u1ef1 tr\u1eef \u0111\u00e1nh gi\u00e1 l\u1ea1i, c\u00f4ng c\u1ee5 v\u1ed1n h\u1ed7n h\u1ee3p v\u00e0 n\u1ee3 c\u00f3 k\u1ef3 h\u1ea1n d\u01b0\u1edbi.<\/p>\n

V\u1ed1n c\u1ea5p III bao g\u1ed3m v\u1ed1n c\u1ea5p II c\u1ed9ng v\u1edbi c\u00e1c kho\u1ea3n vay c\u1ea5p d\u01b0\u1edbi ng\u1eafn h\u1ea1n.<\/p>\n

C\u00e1c t\u00e0i s\u1ea3n c\u00f3 tr\u1ecdng s\u1ed1 r\u1ee7i ro c\u00f3 t\u00ednh \u0111\u1ebfn r\u1ee7i ro t\u00edn d\u1ee5ng, r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng v\u00e0 r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

K\u1ec3 t\u1eeb n\u0103m nay, theo Basel III, v\u1ed1n c\u1ea5p 1 v\u00e0 c\u1ea5p 2 c\u1ee7a ng\u00e2n h\u00e0ng \u00edt nh\u1ea5t ph\u1ea3i b\u1eb1ng 8% t\u00e0i s\u1ea3n c\u00f3 tr\u1ecdng s\u1ed1 r\u1ee7i ro. H\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n t\u1ed1i thi\u1ec3u (bao g\u1ed3m c\u1ea3 v\u00f9ng \u0111\u1ec7m b\u1ea3o to\u00e0n v\u1ed1n) l\u00e0 10,5%. Khuy\u1ebfn ngh\u1ecb v\u1ec1 v\u00f9ng \u0111\u1ec7m b\u1ea3o to\u00e0n v\u1ed1n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 x\u00e2y d\u1ef1ng v\u1ed1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, v\u1ed1n m\u00e0 h\u1ecd c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng trong th\u1eddi k\u1ef3 kh\u00f3 kh\u0103n.<\/p>\n

\n

\u201cCAR l\u00e0 ngu\u1ed3n v\u1ed1n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng tr\u00edch l\u1eadp \u0111\u1ec3 l\u00e0m t\u1ea5m \u0111\u1ec7m cho ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi r\u1ee7i ro li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng.\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n

T\u1ea7m quan tr\u1ecdng c\u1ee7a h\u1ec72<\/strong>\u00a0c\u1ee7a h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n<\/strong><\/span><\/h2>\n

\u01afu \u0111i\u1ec3m<\/strong><\/p>\n

CAR gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng duy tr\u00ec v\u1ed1n d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a m\u1ed7i kho\u1ea3n vay. V\u00ed d\u1ee5, hai ng\u00e2n h\u00e0ng c\u00f3 c\u00f9ng quy m\u00f4 s\u1ed5 cho vay nh\u01b0ng m\u1ee9c \u0111\u1ed9 r\u1ee7i ro danh m\u1ee5c \u0111\u1ea7u t\u01b0 kh\u00e1c nhau s\u1ebd \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u \u0111\u1ec3 duy tr\u00ec v\u1ed1n ng\u00e2n h\u00e0ng t\u01b0\u01a1ng \u1ee9ng. R\u1ee7i ro c\u00e0ng cao th\u00ec v\u1ed1n y\u00eau c\u1ea7u c\u00e0ng cao.<\/p>\n

H\u1ec7 s\u1ed1 n\u00e0y l\u00e0 m\u1ed9t ch\u1ec9 s\u1ed1 t\u1ed1t \u0111\u1ec3 nh\u00e0 \u0111\u1ea7u t\u01b0 hi\u1ec3u \u0111\u01b0\u1ee3c r\u1ee7i ro t\u1ed5ng th\u1ec3 c\u1ee7a s\u1ed5 cho vay c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng.<\/p>\n

Nh\u01b0\u1ee3c \u0111i\u1ec3m<\/strong><\/p>\n

M\u1ed9t h\u1ea1n ch\u1ebf ch\u00ednh c\u1ee7a h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n l\u00e0 n\u00f3 kh\u00f4ng th\u1ec3 t\u00ednh \u0111\u1ebfn nh\u1eefng t\u1ed5n th\u1ea5t d\u1ef1 ki\u1ebfn c\u00f3 th\u1ec3 l\u00e0m bi\u1ebfn d\u1ea1ng ngu\u1ed3n v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng trong b\u1ea5t k\u1ef3 cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u00e0o.<\/p>\n

V\u00ec v\u1eady, h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n l\u00e0 m\u1ed9t th\u01b0\u1edbc \u0111o r\u1ee7i ro \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, gi\u00fap c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd theo d\u00f5i ch\u1eb7t ch\u1ebd m\u1ee9c \u0111\u1ed9 r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

Hi v\u1ecdng qua nh\u1eefng gi\u1ea3i th\u00edch tr\u00ean \u0111\u00e2y, b\u1ea1n \u0111\u00e3 hi\u1ec3u \u0111\u01b0\u1ee3c h\u1ec7 s\u1ed1 CAR l\u00e0 g\u00ec v\u00e0 t\u1ea7m quan tr\u1ecdng c\u1ee7a n\u00f3 trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.\u00a0<\/strong><\/p>\n

Tr\u00e2m Nguy\u1ec5n<\/strong><\/p>\n

<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

H\u1ec7 s\u1ed1 CAR l\u00e0 g\u00ec? H\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n (CAR \u2013 Capital Adequacy Ratio) l\u00e0 t\u1ef7 l\u1ec7 v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng so v\u1edbi t\u00e0i s\u1ea3n c\u00f3 tr\u1ecdng s\u1ed1 r\u1ee7i ro v\u00e0 n\u1ee3 ng\u1eafn h\u1ea1n c\u1ee7a ng\u00e2n h\u00e0ng. N\u00f3 \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd ng\u00e2n […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[429],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21659"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=21659"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21659\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=21659"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=21659"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=21659"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}