   !"#$%&' ()*+,)-+&)./ 012 3("4 *56#70     !"#$%&'()!*)+!,- ./010-%&'20%#3'-- % % !4$%&%%(5./06! %&'7893 '":'%&%%/!;-./0 1 7<)=9)!"!"46>883888.?3 @6A;-!%&%%BC-6)D*CE#;  F:-G!./0/ )<9)!"!"4 7>H83888.?32I*1 20%#/ C 6+J/ K;-!;-5  / ;-BL3';;M./0 10- NOP/7;M *! ;Q Thứ nhất, do cách phân loại nợ.'R:*S0 T /)F/IT ;UVMTJ1WVX  1YWV$'O'Z()[\/ 7X #])^ _$`*S;-^a]b>88_b`cd%&%%(3' #]$!4K(/ 7!/ 7e > #XTf- /g%#^$h(/ 7 7e #_$7e#-( / 7!/ BJ7e?)#-3 'B!hi!4TP)1  !T/Rj,6S/! SWTT 4B/0:-)k./0 *!4_9G/ Ck!h3'* 6)i20%#J;Me/M:7S1 0TWVXCX3&0-TWVXCX %&'  20%#0*    !  *MR T!"TT *6)l/ 0/Mm):*S CX*-"C7 10-T$CXj,6)m;-1nj,6(   TVX :P#1:1*6*kM 6A/0-6/S;U TW#Bk/!3 o:7TWVXCX!/ ";i*M !4/!1)pWKMW  *6f--PCqT13c *+ :7S1#V)SWV SKS1r 1n 3 &0*):7S1WV#p !hR AKS1632 *+#X;-CIT ] 0;;)#X-! !/ :7)X$ )  T/ #) /T/ # T(3)0PT JLXG *60#M,sG!#P;;q#B kTWV$#R//()S!h/M0 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  32k)0M #X;-B,f PTW V)+#X;-7*nL  7e?3cC0)  Z%/#-:0 [#I\)TVX/+$;iAu(k?/MsCST C;/0)CT/)*CT:*S -) *;ve/63 ^ Thứ ba, hoạt động thâu tóm, mua bán, sáp nhập, các công ty sân sau, sở hữu chéo trong ngân hàng đã tạo ra những vòng luẩn quẩn của dòng ền.c*G/ AX,#K !jPU/)W#C 7kJ 3'T!",0$>(1afe#e >)>9)!WVje>)_9)YG BT7/ 6! :#PneC7 *Y1%&%%gCX;7GCeg *,6B!R#/ 6!,6h:3%! I*)T7e*JJA   Z0T:0#I3%);v *#XTk   S)/;;v,TVCSK*/6)Z%;7  ,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/ #  Bjf# J#WCqCX3'*6) *6# #X;-CX 4  PR;MI)/I)-/ #:*S1%&%%)1 %&'3!;-/0BC-!;-) #X./0BL7*;nT#Y0T3 _ '#/)ACITT/);iAu) Y00T333/ #7*;   !4 * e3Oi#Y k0  X,6M F;,01 %&%%)0/!BJ-  W ) 0:71F 3On !U/ ! *k0"0- 20%#;v B0:73 8*56#7 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 O1XT-T M0"/)h 7-4A e F#h !Pm7:*!g'TV 7#/;-PM07*#4)xTZ%7# TFf )C! )07 3 = @:B*:7/  ;71%&') OB*#CMX%&%%)OB*C20%# $Zy'O(1@X' F3 OfT7*5)P7*)0#f,6X  $*6: 1:#/( ! BPM3%/  dZ%b*-B7!)# 0B7 ! *6"C7*u#1 :1C7Z%!BPCL:*6n" F;)n:7/l#B32kI*)U//x *Bj/ 0#"/z1 )Z%# f;M#1 % !44#V,6T7!0U//  0P /IT:0WV#4)xTZ%J7 eX*-)?h/mAZ%) * u#;7g'B:U/)  #40,TV/;,*3 20U/:B*:7/  ;71  GP#I// B*1 6 0P{n7*-4 3o*P B*:7/  ;71 )B*P 1X)|# PC ;7?-  3'*6)PB*:7/  ;71 H  U/0:7)f*M"#C{  )#C);M##;v1%&%%)P |6C7-1 P7#! /!B*)B7:*I-3 %CZy'OX@X' FM0)f #X"#C{ kX#C7 1 #40:73 ZWTYT17 )C- 7T/MX/47kk/   /ITB*#CMX%&%%*B*#C:- $yO(T71:*/M)!pCi*6L/l M *)4AC!4T/)4;MTP1S!h# C20%#3 O440U/G)%&'fmx #Y0#47*;C5Q } ;/T/),40T/RB/0 :-3cP/ #!0 * fT7$(& 00 -TWVXCXRK@;R/~~320TW VT7eY6;-/0-6/S;U1F  -! PW!41 ;b7e7*•$€Z(gP7*•$•EZ( <  1•$‚yZ(-! *g?hTV jf6";i1*63O!I*)0T WV#4M;M/ BV1XW V / eYPSR11 3$( /!1T TVX/4 #BkY  XG;M1F 32k)0 0#B kYR!41*6q:7SZ%)7# 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 0-B0B,P7#C70-I 0 :73cSƒXP#01:*ST WV)7#C7/!B,f 5#e n A;;B|*- R1 :1#X)*#!h)/ #;/0:7T)+ :*S*BK3 Về phía doanh nghiệp vay vốn a E7:* ?/ TC0*3cPU/  ?) 0C$TI/p(P?-:* Jk#XkY/6AZ%);UV;7TK#1 G/ / #0*3@6)0#CB,  F)7e:7SZ%)P,:0 WV4 3 Về phía Ngân hàng Nhà nước % 0TT/P e YM0TWVXCX)!4RB/0:-3 „;40*M) 0TWVXCX)f 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 ) WV10-/43o#;!J-L J/K :KCi#X ;- )  1   8 [...]... lý, điểm nghẽn về vốn sẽ được khắc phục, việc tiếp cận vốn của DN sẽ dễ dàng hơn TÀI LIỆU THAM KHẢO 1 Thời báo Kinh tế Sài Gòn số 24, 36 năm 2012; 2 Thời báo Ngân hàng, các bài có liên quan năm 2012; 3 Xếp hạng tín dụng nội bộ - thực trạng và giải pháp, Kỷ yếu Hội thảo tháng 9/2012; 4 Báo cáo kinh tế - xã hội năm 2012 - 2013; 5 Đề án Tái cơ cấu DNNN của Bộ Tài chính, năm 2012 11 . 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. S)/;;v,TVCSK*/6)Z%;7  ,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/. *k0"0- 20%#;v B0:73 8*56#7 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#