{"id":25964,"date":"2025-01-23T17:18:29","date_gmt":"2025-01-23T10:18:29","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=25964"},"modified":"2025-02-14T10:46:36","modified_gmt":"2025-02-14T03:46:36","slug":"ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/","title":{"rendered":"Ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng th\u1ebf n\u00e0o? T\u1ea5t t\u1ea7n t\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng trong 5 ph\u00fat."},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;25964&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng th\u1ebf n\u00e0o? T\u1ea5t t\u1ea7n t\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng trong 5 ph\u00fat.&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n    <\/div>\n    <\/div>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng \u0111\u00f3ng vai tr\u00f2 trung gian t\u00e0i ch\u00ednh gi\u1eefa ng\u01b0\u1eddi g\u1eedi ti\u1ec1n v\u00e0 ng\u01b0\u1eddi vay ti\u1ec1n, \u0111\u1ed3ng th\u1eddi th\u1ef1c hi\u1ec7n ch\u1ee9c n\u0103ng t\u1ea1o ra ti\u1ec1n.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ch\u1ee9c n\u0103ng ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng bao g\u1ed3m qu\u1ea3n l\u00fd ti\u1ec1n g\u1eedi, cung c\u1ea5p c\u00e1c kho\u1ea3n vay, v\u00e0 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c nh\u01b0 chuy\u1ec3n kho\u1ea3n, \u0111\u1ea7u t\u01b0, v\u00e0 t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">C\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng theo m\u00f4 h\u00ecnh &#8220;d\u1ef1 tr\u1eef ph\u00e2n \u0111o\u1ea1n&#8221; \u2013 ch\u1ec9 gi\u1eef l\u1ea1i m\u1ed9t ph\u1ea7n nh\u1ecf s\u1ed1 ti\u1ec1n g\u1eedi \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o thanh kho\u1ea3n, ph\u1ea7n l\u1edbn c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 cho vay, gi\u00fap t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ngo\u00e0i ra, ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd b\u1edfi c\u00e1c c\u01a1 quan ch\u00ednh ph\u1ee7 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch v\u00e0 an to\u00e0n trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh. V\u1edbi s\u1ef1 \u0111a d\u1ea1ng trong lo\u1ea1i h\u00ecnh v\u00e0 ch\u1ee9c n\u0103ng, m\u1ed7i ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 vai tr\u00f2 ri\u00eang trong vi\u1ec7c th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n kinh t\u1ebf v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 ti\u1ec7n \u00edch cho c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#1_Tong_quan_ve_ngan_hang\" title=\"1. T\u1ed5ng quan v\u1ec1 ng\u00e2n h\u00e0ng\">1. T\u1ed5ng quan v\u1ec1 ng\u00e2n h\u00e0ng<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#11_Phan_biet_ngan_hang_cap_1_va_ngan_hang_cap_2\" title=\"1.1. Ph\u00e2n bi\u1ec7t ng\u00e2n h\u00e0ng c\u1ea5p 1 v\u00e0 ng\u00e2n h\u00e0ng c\u1ea5p 2?\">1.1. Ph\u00e2n bi\u1ec7t ng\u00e2n h\u00e0ng c\u1ea5p 1 v\u00e0 ng\u00e2n h\u00e0ng c\u1ea5p 2?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#12_Cac_loai_hinh_ngan_hang\" title=\"1.2. C\u00e1c lo\u1ea1i h\u00ecnh ng\u00e2n h\u00e0ng\">1.2. C\u00e1c lo\u1ea1i h\u00ecnh ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#13_Chuc_nang_vai_tro_cua_ngan_hang_thuong_mai_trong_nen_kinh_te\" title=\"1.3. Ch\u1ee9c n\u0103ng, vai tr\u00f2 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i trong n\u1ec1n kinh t\u1ebf\u00a0\">1.3. Ch\u1ee9c n\u0103ng, vai tr\u00f2 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i trong n\u1ec1n kinh t\u1ebf\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#131_Ngan_hang_lam_trung_gian_tin_dung\" title=\"1.3.1. Ng\u00e2n h\u00e0ng l\u00e0m trung gian t\u00edn d\u1ee5ng:\">1.3.1. Ng\u00e2n h\u00e0ng l\u00e0m trung gian t\u00edn d\u1ee5ng:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#132_Chuc_nang_lam_trung_gian_thanh_toan\" title=\"1.3.2. Ch\u1ee9c n\u0103ng l\u00e0m trung gian thanh to\u00e1n:\">1.3.2. Ch\u1ee9c n\u0103ng l\u00e0m trung gian thanh to\u00e1n:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#133_Chuc_nang_tao_tien\" title=\"1.3.3. Ch\u1ee9c n\u0103ng t\u1ea1o ti\u1ec1n\">1.3.3. Ch\u1ee9c n\u0103ng t\u1ea1o ti\u1ec1n<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#2_Cac_hoat_dong_cua_ngan_hang\" title=\"2. C\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng\">2. C\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#21_Hoat_dong_nhan_tien_gui\" title=\"2.1. Ho\u1ea1t \u0111\u1ed9ng nh\u1eadn ti\u1ec1n g\u1eedi\">2.1. Ho\u1ea1t \u0111\u1ed9ng nh\u1eadn ti\u1ec1n g\u1eedi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#22_Hoat_dong_cap_tin_dung\" title=\"2.2. Ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng\">2.2. Ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/ngan-hang-hoat-dong-the-nao-tim-hieu-tat-tan-tat-ve-ngan-hang-trong-5-phut-t-la-gi\/#23_Hoat_dong_cung_ung_dich_vu_thanh_toan_qua_tai_khoan\" title=\"2.3. Ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n\">2.3. Ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Tong_quan_ve_ngan_hang\"><\/span><b>1. T\u1ed5ng quan v\u1ec1 ng\u00e2n h\u00e0ng<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"11_Phan_biet_ngan_hang_cap_1_va_ngan_hang_cap_2\"><\/span><b>1.1. Ph\u00e2n bi\u1ec7t ng\u00e2n h\u00e0ng c\u1ea5p 1 v\u00e0 ng\u00e2n h\u00e0ng c\u1ea5p 2?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Tr\u01b0\u1edbc n\u0103m 1991, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ho\u1ea1t \u0111\u1ed9ng theo m\u00f4 h\u00ecnh m\u1ed9t c\u1ea5p, trong \u0111\u00f3 nh\u00e0 n\u01b0\u1edbc tr\u1ef1c ti\u1ebfp qu\u1ea3n l\u00fd v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh. Tuy nhi\u00ean, m\u00f4 h\u00ecnh n\u00e0y c\u00f3 nhi\u1ec1u h\u1ea1n ch\u1ebf nh\u01b0 hi\u1ec7u qu\u1ea3 th\u1ea5p, l\u1ea1m ph\u00e1t t\u0103ng cao v\u00e0 \u1ea3nh h\u01b0\u1edfng kh\u00f4ng t\u00edch c\u1ef1c \u0111\u1ebfn n\u1ec1n kinh t\u1ebf.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ec3 kh\u1eafc ph\u1ee5c nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y, n\u0103m 1991, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac th\u00e0nh hai c\u1ea5p: Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ho\u1eb7c Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng (c\u1ea5p 1), v\u00e0 c\u00e1c Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i (c\u1ea5p 2).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc s\u1ebd n\u1eafm vai tr\u00f2 \u0111i\u1ec1u h\u00e0nh v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng, th\u1ef1c hi\u1ec7n ban h\u00e0nh c\u00e1c ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c, l\u00e3i su\u1ea5t, quy \u0111\u1ecbnh <\/span><a href=\"https:\/\/infina.vn\/blog\/room-tin-dung-la-gi\/\"><span style=\"font-weight: 400;\">room t\u00edn d\u1ee5ng<\/span><\/a><span style=\"font-weight: 400;\">. \u0110\u1ed3ng th\u1eddi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ecbu tr\u00e1ch nhi\u1ec7m gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Ngo\u00e0i ra, c\u1ea7n l\u01b0u \u00fd: <\/span><i><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh nh\u01b0 nh\u1eadn ti\u1ec1n g\u1eedi ho\u1eb7c cho vay v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n hay t\u1ed5 ch\u1ee9c.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u1ef1c hi\u1ec7n cung c\u1ea5p v\u1ed1n, t\u00edn d\u1ee5ng, v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh cho c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c, v\u00e0 doanh nghi\u1ec7p theo khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd m\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec1 ra, g\u00f3p ph\u1ea7n duy tr\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Cac_loai_hinh_ngan_hang\"><\/span><b>1.2. C\u00e1c lo\u1ea1i h\u00ecnh ng\u00e2n h\u00e0ng<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i th\u00e0nh ba lo\u1ea1i h\u00ecnh ch\u00ednh, m\u1ed7i lo\u1ea1i c\u00f3 ch\u1ee9c n\u0103ng v\u00e0 m\u1ee5c ti\u00eau ri\u00eang:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i<\/b><span style=\"font-weight: 400;\">: L\u00e0 lo\u1ea1i h\u00ecnh ng\u00e2n h\u00e0ng ph\u1ed5 bi\u1ebfn nh\u1ea5t, th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng nh\u1eb1m m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ee5c v\u1ee5 c\u00e1 nh\u00e2n, doanh nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c v\u1edbi \u0111a d\u1ea1ng s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch<\/b><span style=\"font-weight: 400;\">: L\u00e0 ng\u00e2n h\u00e0ng thu\u1ed9c qu\u1ea3n l\u00fd c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh x\u00e3 h\u1ed9i nh\u01b0 cho vay h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi ngh\u00e8o, ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n, v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i \u0111\u1eb7c th\u00f9.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ng\u00e2n h\u00e0ng H\u1ee3p t\u00e1c x\u00e3<\/b><span style=\"font-weight: 400;\">: L\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp b\u1edfi c\u00e1c qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n v\u00e0 m\u1ed9t s\u1ed1 ph\u00e1p nh\u00e2n kh\u00e1c, nh\u1eb1m h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh, li\u00ean k\u1ebft h\u1ec7 th\u1ed1ng v\u00e0 \u0111i\u1ec1u h\u00f2a v\u1ed1n trong c\u1ed9ng \u0111\u1ed3ng qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">M\u1ed7i lo\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ec1u \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c h\u1ed7 tr\u1ee3 c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, \u0111\u1ed3ng th\u1eddi \u0111\u1ea3m b\u1ea3o s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"13_Chuc_nang_vai_tro_cua_ngan_hang_thuong_mai_trong_nen_kinh_te\"><\/span><b>1.3. Ch\u1ee9c n\u0103ng, vai tr\u00f2 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i trong n\u1ec1n kinh t\u1ebf\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"131_Ngan_hang_lam_trung_gian_tin_dung\"><\/span><b>1.3.1. Ng\u00e2n h\u00e0ng l\u00e0m trung gian t\u00edn d\u1ee5ng:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">M\u1ed9t trong nh\u1eefng vai tr\u00f2 quan tr\u1ecdng nh\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 l\u00e0m trung gian t\u00edn d\u1ee5ng. Th\u00f4ng qua ch\u1ee9c n\u0103ng n\u00e0y, ng\u00e2n h\u00e0ng tr\u1edf th\u00e0nh c\u1ea7u n\u1ed1i gi\u1eefa nh\u1eefng ng\u01b0\u1eddi th\u1eeba v\u1ed1n v\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u1ea7n v\u1ed1n. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 ng\u00e2n h\u00e0ng thu h\u00fat c\u00e1c kho\u1ea3n ti\u1ec1n nh\u00e0n r\u1ed7i trong n\u1ec1n kinh t\u1ebf t\u1eeb c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c v\u00e0 bi\u1ebfn ch\u00fang th\u00e0nh ngu\u1ed3n v\u1ed1n cho vay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng v\u1eeba th\u1ef1c hi\u1ec7n vai tr\u00f2 ng\u01b0\u1eddi \u0111i vay (v\u1edbi ng\u01b0\u1eddi g\u1eedi ti\u1ec1n), v\u1eeba l\u00e0 ng\u01b0\u1eddi cho vay (v\u1edbi c\u00e1c c\u00e1 nh\u00e2n, doanh nghi\u1ec7p). Ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay v\u1ed1n trong n\u1ec1n kinh t\u1ebf, gi\u00fap duy tr\u00ec d\u00f2ng ch\u1ea3y t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh v\u00e0 \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch cho c\u1ea3 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, ng\u01b0\u1eddi vay v\u1ed1n v\u00e0 b\u1ea3n th\u00e2n ng\u00e2n h\u00e0ng.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"132_Chuc_nang_lam_trung_gian_thanh_toan\"><\/span><b>1.3.2. Ch\u1ee9c n\u0103ng l\u00e0m trung gian thanh to\u00e1n:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng gi\u1eef vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c k\u1ebft n\u1ed1i c\u00e1c b\u00ean trong giao d\u1ecbch t\u00e0i ch\u00ednh. V\u1edbi ch\u1ee9c n\u0103ng trung gian thanh to\u00e1n, ng\u00e2n h\u00e0ng cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m nh\u01b0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, th\u1ebb t\u00edn d\u1ee5ng, th\u1ebb ghi n\u1ee3,&#8230;\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng c\u0169ng h\u1ed7 tr\u1ee3 c\u00e1c giao d\u1ecbch n\u1ed9i \u0111\u1ecba v\u00e0 qu\u1ed1c t\u1ebf th\u00f4ng qua h\u1ec7 th\u1ed1ng chuy\u1ec3n kho\u1ea3n v\u00e0 thanh to\u00e1n li\u00ean ng\u00e2n h\u00e0ng, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i, d\u1ecbch v\u1ee5, v\u00e0 \u0111\u1ea7u t\u01b0. Trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch thanh to\u00e1n theo y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a b\u00ean \u1ee7y th\u00e1c c\u0169ng nh\u01b0 \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"133_Chuc_nang_tao_tien\"><\/span><b>1.3.3. Ch\u1ee9c n\u0103ng t\u1ea1o ti\u1ec1n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Ngo\u00e0i vi\u1ec7c l\u00e0m trung gian t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00f2n c\u00f3 kh\u1ea3 n\u0103ng t\u1ea1o ti\u1ec1n \u2013 m\u1ed9t ch\u1ee9c n\u0103ng quan tr\u1ecdng gi\u00fap m\u1edf r\u1ed9ng ngu\u1ed3n cung ti\u1ec1n t\u1ec7 trong n\u1ec1n kinh t\u1ebf.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vi\u1ec7c \u201ct\u1ea1o ra ti\u1ec1n\u201d \u1edf \u0111\u00e2y kh\u00f4ng ph\u1ea3i ho\u1ea1t \u0111\u1ed9ng \u201cph\u00e1t h\u00e0nh ti\u1ec1n\u201d c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u00e0 l\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c nghi\u1ec7p v\u1ee5 nh\u01b0 nh\u1eadn ti\u1ec1n g\u1eedi v\u00e0 cho vay \u0111\u1ec3 m\u1edf r\u1ed9ng cung ti\u1ec1n. C\u1ee5 th\u1ec3, khi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c (ti\u1ec1n g\u1eedi) \u0111\u1ec3 cho vay ho\u1eb7c th\u1ef1c hi\u1ec7n thanh to\u00e1n, s\u1ed1 ti\u1ec1n cho vay th\u01b0\u1eddng \u0111\u01b0\u1ee3c chuy\u1ec3n kho\u1ea3n v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi nh\u1eadn t\u1ea1i ng\u00e2n h\u00e0ng kh\u00e1c, t\u1eeb \u0111\u00f3 tr\u1edf th\u00e0nh ti\u1ec1n g\u1eedi m\u1edbi. Qu\u00e1 tr\u00ecnh n\u00e0y l\u1eb7p \u0111i l\u1eb7p l\u1ea1i trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, gi\u00fap t\u0103ng l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi thanh to\u00e1n v\u00e0 m\u1edf r\u1ed9ng l\u01b0\u1ee3ng cung ti\u1ec1n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kh\u1ea3 n\u0103ng t\u1ea1o ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c (s\u1ed1 ti\u1ec1n ng\u00e2n h\u00e0ng ph\u1ea3i gi\u1eef l\u1ea1i theo quy \u0111\u1ecbnh), t\u1ef7 l\u1ec7 ti\u1ec1n m\u1eb7t so v\u1edbi ti\u1ec1n g\u1eedi, v\u00e0 t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef qu\u00e1 m\u1ee9c. Khi ng\u00e2n h\u00e0ng cung \u1ee9ng t\u00edn d\u1ee5ng, l\u01b0\u1ee3ng ti\u1ec1n cung \u1ee9ng trong n\u1ec1n kinh t\u1ebf t\u0103ng l\u00ean; ng\u01b0\u1ee3c l\u1ea1i, khi kh\u00e1ch h\u00e0ng ho\u00e0n tr\u1ea3 c\u00e1c kho\u1ea3n vay, l\u01b0\u1ee3ng ti\u1ec1n cung \u1ee9ng gi\u1ea3m.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vi\u1ec7c t\u1ea1o ti\u1ec1n kh\u00f4ng ch\u1ec9 gi\u00fap \u0111\u00e1p \u1ee9ng nhu c\u1ea7u s\u1eed d\u1ee5ng ti\u1ec1n c\u1ee7a x\u00e3 h\u1ed9i m\u00e0 c\u00f2n gi\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0o ti\u1ec1n m\u1eb7t, ti\u1ebft ki\u1ec7m chi ph\u00ed l\u01b0u th\u00f4ng, v\u00e0 th\u00fac \u0111\u1ea9y c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf. Nh\u1edd \u0111\u00f3, ng\u00e2n h\u00e0ng tr\u1edf th\u00e0nh trung t\u00e2m c\u1ee7a \u0111\u1eddi s\u1ed1ng kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>V\u00ed d\u1ee5 minh h\u1ecda:<\/b><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">C\u00f4ng th\u1ee9c t\u00ednh l\u01b0\u1ee3ng cung ti\u1ec1n:<\/span><\/i><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-25965 size-full\" src=\"http:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/01\/c\u00f4ng-th\u1ee9c-t\u00ednh-l\u01b0\u1ee3ng-cung-ti\u1ec1n.png\" alt=\"c\u00f4ng th\u1ee9c t\u00ednh l\u01b0\u1ee3ng cung ti\u1ec1n\" width=\"512\" height=\"59\" title=\"\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/01\/c\u00f4ng-th\u1ee9c-t\u00ednh-l\u01b0\u1ee3ng-cung-ti\u1ec1n.png 512w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/01\/c\u00f4ng-th\u1ee9c-t\u00ednh-l\u01b0\u1ee3ng-cung-ti\u1ec1n-300x35.png 300w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><i><span style=\"font-weight: 400;\">Trong \u0111\u00f3:<\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M l\u00e0 t\u1ed5ng l\u01b0\u1ee3ng cung ti\u1ec1n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H l\u00e0 ti\u1ec1n c\u01a1 s\u1edf\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C l\u00e0 l\u01b0\u1ee3ng ti\u1ec1n m\u1eb7t<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D l\u00e0 l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R l\u00e0 l\u01b0\u1ee3ng ti\u1ec1n c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i d\u1ef1 tr\u1eef t\u1ea1i Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">V\u00ec ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 d\u1ef1 tr\u1eef m\u1ed9t ph\u1ea7n R nh\u1ecf h\u01a1n t\u1ed5ng s\u1ed1 ti\u1ec1n g\u1eedi D, n\u00ean m lu\u00f4n l\u1edbn h\u01a1n 1, gi\u00fap t\u1ed5ng l\u01b0\u1ee3ng cung ti\u1ec1n M t\u0103ng nhi\u1ec1u h\u01a1n s\u1ed1 ti\u1ec1n c\u01a1 s\u1edf H.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">H\u00e3y c\u00f9ng xem x\u00e9t c\u00e1ch m\u1ed9t kho\u1ea3n ti\u1ec1n g\u1eedi ban \u0111\u1ea7u \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng trong v\u00ed d\u1ee5 c\u1ee5 th\u1ec3 d\u01b0\u1edbi \u0111\u00e2y:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(1) Khi b\u1ea1n g\u1eedi 1 t\u1ef7 \u0111\u1ed3ng v\u00e0o ng\u00e2n h\u00e0ng, ng\u00e2n h\u00e0ng s\u1ebd gi\u1eef l\u1ea1i 10% c\u1ee7a s\u1ed1 ti\u1ec1n n\u00e0y, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 100 tri\u1ec7u \u0111\u1ed3ng, l\u00e0m d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c. Ph\u1ea7n c\u00f2n l\u1ea1i, t\u1ee9c 900 tri\u1ec7u \u0111\u1ed3ng, \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng cho vay. Ng\u01b0\u1eddi vay s\u1eed d\u1ee5ng kho\u1ea3n ti\u1ec1n n\u00e0y \u0111\u1ec3 mua h\u00e0ng h\u00f3a ho\u1eb7c d\u1ecbch v\u1ee5, v\u00e0 s\u1ed1 ti\u1ec1n \u0111\u00f3 l\u1ea1i \u0111\u01b0\u1ee3c g\u1eedi v\u00e0o m\u1ed9t ng\u00e2n h\u00e0ng kh\u00e1c.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(2) Ng\u00e2n h\u00e0ng th\u1ee9 hai ti\u1ebfp t\u1ee5c gi\u1eef l\u1ea1i 10% c\u1ee7a 900 tri\u1ec7u \u0111\u1ed3ng (t\u1ee9c 90 tri\u1ec7u \u0111\u1ed3ng) l\u00e0m d\u1ef1 tr\u1eef, sau \u0111\u00f3 cho vay 810 tri\u1ec7u \u0111\u1ed3ng c\u00f2n l\u1ea1i. Ng\u01b0\u1eddi nh\u1eadn kho\u1ea3n vay n\u00e0y c\u0169ng s\u1eed d\u1ee5ng ti\u1ec1n \u0111\u1ec3 thanh to\u00e1n, v\u00e0 s\u1ed1 ti\u1ec1n \u0111\u00f3 l\u1ea1i \u0111\u01b0\u1ee3c g\u1eedi v\u00e0o m\u1ed9t ng\u00e2n h\u00e0ng kh\u00e1c. Qu\u00e1 tr\u00ecnh n\u00e0y c\u1ee9 ti\u1ebfp di\u1ec5n, m\u1ed7i l\u1ea7n ng\u00e2n h\u00e0ng gi\u1eef l\u1ea1i m\u1ed9t ph\u1ea7n nh\u1ecf l\u00e0m d\u1ef1 tr\u1eef v\u00e0 s\u1eed d\u1ee5ng ph\u1ea7n c\u00f2n l\u1ea1i \u0111\u1ec3 cho vay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(3) K\u1ebft qu\u1ea3 c\u1ee7a qu\u00e1 tr\u00ecnh n\u00e0y l\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng t\u0103ng l\u00ean nhi\u1ec1u l\u1ea7n so v\u1edbi s\u1ed1 ti\u1ec1n g\u1eedi ban \u0111\u1ea7u. Trong v\u00ed d\u1ee5 n\u00e0y, v\u1edbi t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c 10%, kho\u1ea3n ti\u1ec1n g\u1eedi ban \u0111\u1ea7u 1 t\u1ef7 \u0111\u1ed3ng c\u00f3 th\u1ec3 t\u1ea1o ra t\u1ed5ng c\u1ed9ng 10 t\u1ef7 \u0111\u1ed3ng trong n\u1ec1n kinh t\u1ebf. \u0110\u00e2y ch\u00ednh l\u00e0 c\u00e1ch m\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i m\u1edf r\u1ed9ng l\u01b0\u1ee3ng cung ti\u1ec1n th\u00f4ng qua ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Hay \u00e1p d\u1ee5ng c\u00f4ng th\u1ee9c c\u0169ng cho ra k\u1ebft qu\u1ea3 t\u01b0\u01a1ng t\u1ef1: <\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u1ed1 ti\u1ec1n d\u1ef1 tr\u1eef l\u00e0 1.000.000.000 \u00d7 10% = 100.000.000 \u0111\u1ed3ng.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u1ed1 ti\u1ec1n cho vay l\u00e0 1.000.000.000 &#8211; 100.000.000 = 900.000.000 \u0111\u1ed3ng.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u1ed1 nh\u00e2n ti\u1ec1n \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 m = 1 \/ t\u1ef7 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c = 1 \/ 10% = 10.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T\u1ed5ng l\u01b0\u1ee3ng ti\u1ec1n ng\u00e2n h\u00e0ng t\u1ea1o ra th\u00f4ng qua qu\u00e1 tr\u00ecnh cho vay l\u00e0 m \u00d7 s\u1ed1 ti\u1ec1n cho vay = 10 \u00d7 900.000.000 = 9.000.000.000 \u0111\u1ed3ng.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">K\u1ebft qu\u1ea3, t\u1eeb kho\u1ea3n ti\u1ec1n g\u1eedi ban \u0111\u1ea7u 1 t\u1ef7 \u0111\u1ed3ng, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1ea1o th\u00eam 9 t\u1ef7 \u0111\u1ed3ng qua ho\u1ea1t \u0111\u1ed9ng cho vay, n\u00e2ng t\u1ed5ng l\u01b0\u1ee3ng ti\u1ec1n trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00ean 10 t\u1ef7 \u0111\u1ed3ng (bao g\u1ed3m 1 t\u1ef7 \u0111\u1ed3ng ban \u0111\u1ea7u).<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Cac_hoat_dong_cua_ngan_hang\"><\/span><b>2. C\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Theo Kho\u1ea3n 12, 13, 14, 15 \u0110i\u1ec1u 4 Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010<\/span><span style=\"font-weight: 400;\">,\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng<\/span><\/i><span style=\"font-weight: 400;\"> l\u00e0 vi\u1ec7c kinh doanh, cung \u1ee9ng th\u01b0\u1eddng xuy\u00ean m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 c\u00e1c nghi\u1ec7p v\u1ee5 sau \u0111\u00e2y:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\">a) Nh\u1eadn ti\u1ec1n g\u1eedi;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">b) C\u1ea5p t\u00edn d\u1ee5ng;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">c) Cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n.<\/span><\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"21_Hoat_dong_nhan_tien_gui\"><\/span><b>2.1. Ho\u1ea1t \u0111\u1ed9ng nh\u1eadn ti\u1ec1n g\u1eedi<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Nh\u1eadn ti\u1ec1n g\u1eedi l\u00e0 ho\u1ea1t \u0111\u1ed9ng nh\u1eadn ti\u1ec1n c\u1ee7a t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n d\u01b0\u1edbi h\u00ecnh th\u1ee9c ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n, ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m, ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, k\u1ef3 phi\u1ebfu, t\u00edn phi\u1ebfu v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c nh\u1eadn ti\u1ec1n g\u1eedi kh\u00e1c theo nguy\u00ean t\u1eafc c\u00f3 ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 ti\u1ec1n g\u1ed1c, l\u00e3i cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n theo th\u1ecfa thu\u1eadn.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Trong \u0111\u00f3, <\/span><a href=\"https:\/\/infina.vn\/blog\/cac-san-pham-pho-bien-cua-ngan-hang-casa-tiet-kiem-chung-chi-quy-t-la-gi\/\"><span style=\"font-weight: 400;\">c\u00e1c s\u1ea3n ph\u1ea9m ph\u1ed5 bi\u1ebfn c\u1ee7a ng\u00e2n h\u00e0ng<\/span><\/a><span style=\"font-weight: 400;\"> s\u1ebd g\u1ed3m c\u00f3 T\u00e0i kho\u1ea3n CASA, T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00e0 ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"22_Hoat_dong_cap_tin_dung\"><\/span><b>2.2. Ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">C\u1ea5p t\u00edn d\u1ee5ng l\u00e0 vi\u1ec7c th\u1ecfa thu\u1eadn \u0111\u1ec3 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng m\u1ed9t kho\u1ea3n ti\u1ec1n ho\u1eb7c cam k\u1ebft cho ph\u00e9p s\u1eed d\u1ee5ng m\u1ed9t kho\u1ea3n ti\u1ec1n theo nguy\u00ean t\u1eafc c\u00f3 ho\u00e0n tr\u1ea3 b\u1eb1ng nghi\u1ec7p v\u1ee5 cho vay, chi\u1ebft kh\u1ea5u, cho thu\u00ea t\u00e0i ch\u00ednh, bao thanh to\u00e1n, b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c nghi\u1ec7p v\u1ee5 c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"23_Hoat_dong_cung_ung_dich_vu_thanh_toan_qua_tai_khoan\"><\/span><b>2.3. Ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n l\u00e0 vi\u1ec7c cung \u1ee9ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n; th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n s\u00e9c, l\u1ec7nh chi, \u1ee7y nhi\u1ec7m chi, nh\u1edd thu, \u1ee7y nhi\u1ec7m thu, th\u1ebb ng\u00e2n h\u00e0ng, th\u01b0 t\u00edn d\u1ee5ng v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00e1c cho kh\u00e1ch h\u00e0ng th\u00f4ng qua t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ng&acirc;n h&agrave;ng &#273;&oacute;ng vai tr&ograve; trung gian t&agrave;i ch&iacute;nh gi&#7919;a ng&#432;&#7901;i g&#7917;i ti&#7873;n v&agrave; ng&#432;&#7901;i vay ti&#7873;n, &#273;&#7891;ng th&#7901;i th&#7921;c hi&#7879;n ch&#7913;c n&#259;ng t&#7841;o ra ti&#7873;n.&nbsp; Ch&#7913;c n&#259;ng ch&iacute;nh c&#7911;a ng&acirc;n h&agrave;ng bao g&#7891;m qu&#7843;n l&yacute; ti&#7873;n g&#7917;i, cung c&#7845;p c&aacute;c kho&#7843;n vay, v&agrave; cung c&#7845;p c&aacute;c d&#7883;ch v&#7909; t&agrave;i ch&iacute;nh kh&aacute;c nh&#432; chuy&#7875;n kho&#7843;n, [&hellip;]<\/p>\n","protected":false},"author":39,"featured_media":25962,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1235],"tags":[],"class_list":{"0":"post-25964","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ngan-hang"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=25964"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25964\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/25962"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=25964"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=25964"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=25964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}