{"id":2537,"date":"2026-07-18T11:51:41","date_gmt":"2026-07-18T04:51:41","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=2537"},"modified":"2026-07-18T11:51:46","modified_gmt":"2026-07-18T04:51:46","slug":"thong-tu-25-2026","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/thong-tu-25-2026\/","title":{"rendered":"Th\u00f4ng T\u01b0 25\/2026 L\u00e0 G\u00ec? T\u00e1c \u0110\u1ed9ng \u0110\u1ebfn Th\u1ecb Tr\u01b0\u1eddng T\u00e0i Ch\u00ednh V\u00e0 Nh\u00e0 \u0110\u1ea7u T\u01b0"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>T\u00f3m t\u1eaft nhanh:<\/strong> Th\u00f4ng T\u01b0 25 (Th\u00f4ng t\u01b0 25\/2026\/TT-NHNN) \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) k\u00fd ban h\u00e0nh ng\u00e0y 22\/6\/2026 v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/7\/2026. Th\u00f4ng T\u01b0 25 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 22\/2019\/TT-NHNN v\u00e0 th\u1ef1c hi\u1ec7n hai \u0111i\u1ec1u: n\u00e2ng tr\u1ea7n t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c d\u00f9ng cho vay trung v\u00e0 d\u00e0i h\u1ea1n t\u1eeb 30% l\u00ean 40%, \u0111\u1ed3ng th\u1eddi n\u1edbi c\u00e1ch t\u00ednh ti\u1ec1n g\u1eedi Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc trong t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ee5c ti\u00eau l\u00e0 cho ng\u00e2n h\u00e0ng th\u00eam d\u01b0 \u0111\u1ecba cho vay, gi\u1ea3m \u00e1p l\u1ef1c huy \u0111\u1ed9ng v\u1ed1n v\u00e0 gi\u1eef m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh. Ba ng\u00e2n h\u00e0ng qu\u1ed1c doanh Vietcombank (VCB), BIDV (BID) v\u00e0 VietinBank (CTG) \u0111\u01b0\u1ee3c xem l\u00e0 h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"960\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise.jpg\" alt=\"\u0110\u01b0\u1eddng ch\u00e2n tr\u1eddi khu t\u00e0i ch\u00ednh Th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh l\u00fac b\u00ecnh minh, ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam theo Th\u00f4ng T\u01b0 25\/2026\" class=\"wp-image-2595\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise.jpg 1280w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise-300x225.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise-1024x768.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise-768x576.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise-16x12.jpg 16w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<h2 id=\"toc\" class=\"wp-block-heading\">M\u1ee5c l\u1ee5c<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#la-gi\">Th\u00f4ng T\u01b0 25\/2026 l\u00e0 g\u00ec v\u00e0 do ai ban h\u00e0nh?<\/a><\/li>\n\n\n\n<li><a href=\"#ldr\">T\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR) l\u00e0 g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#thay-doi\">Th\u00f4ng T\u01b0 25 thay \u0111\u1ed5i c\u1ee5 th\u1ec3 nh\u1eefng g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#lich-su\">So v\u1edbi c\u00e1c quy \u0111\u1ecbnh thanh kho\u1ea3n tr\u01b0\u1edbc \u0111\u00e2y th\u00ec sao?<\/a><\/li>\n\n\n\n<li><a href=\"#vi-sao\">V\u00ec sao Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc n\u1edbi quy \u0111\u1ecbnh thanh kho\u1ea3n v\u00e0o l\u00fac n\u00e0y?<\/a><\/li>\n\n\n\n<li><a href=\"#ngan-hang\">Ng\u00e2n h\u00e0ng n\u00e0o h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t?<\/a><\/li>\n\n\n\n<li><a href=\"#nha-dau-tu\">Th\u00f4ng T\u01b0 25 c\u00f3 \u00fd ngh\u0129a g\u00ec v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0?<\/a><\/li>\n\n\n\n<li><a href=\"#doanh-nghiep\">Doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi vay n\u00ean k\u1ef3 v\u1ecdng \u0111i\u1ec1u g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#rui-ro\">R\u1ee7i ro v\u00e0 gi\u1edbi h\u1ea1n c\u1ee7a Th\u00f4ng T\u01b0 25 l\u00e0 g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#du-lieu\">Th\u00f4ng T\u01b0 25 l\u00e0m thay \u0111\u1ed5i nhu c\u1ea7u d\u1eef li\u1ec7u t\u00e0i ch\u00ednh ra sao?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n\n\n\n<li><a href=\"#nguon\">Ngu\u1ed3n tham kh\u1ea3o<\/a><\/li>\n<\/ul>\n\n\n\n<h2 id=\"la-gi\" class=\"wp-block-heading\">Th\u00f4ng T\u01b0 25\/2026 l\u00e0 g\u00ec v\u00e0 do ai ban h\u00e0nh?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng T\u01b0 25 l\u00e0 c\u00e1ch g\u1ecdi t\u1eaft c\u1ee7a Th\u00f4ng t\u01b0 25\/2026\/TT-NHNN, m\u1ed9t quy \u0111\u1ecbnh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN), t\u1ee9c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd ng\u00e0nh ng\u00e2n h\u00e0ng, ban h\u00e0nh. Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 k\u00fd v\u0103n b\u1ea3n n\u00e0y ng\u00e0y 22\/6\/2026 v\u00e0 v\u0103n b\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/7\/2026. Quy \u0111\u1ecbnh n\u00e0y s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 22\/2019\/TT-NHNN, t\u1ee9c v\u0103n b\u1ea3n \u0111\u1eb7t ra c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m an to\u00e0n cho ng\u00e2n h\u00e0ng v\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00f3i m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n, Th\u00f4ng T\u01b0 25 n\u1edbi hai t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n ki\u1ec3m so\u00e1t m\u1ee9c \u0111\u1ed9 ng\u00e2n h\u00e0ng chuy\u1ec3n ti\u1ec1n g\u1eedi ng\u1eafn h\u1ea1n th\u00e0nh c\u00e1c kho\u1ea3n vay d\u00e0i h\u1ea1n h\u01a1n. Khi c\u00f3 hi\u1ec7u l\u1ef1c, quy \u0111\u1ecbnh m\u1edbi c\u0169ng b\u00e3i b\u1ecf hai v\u0103n b\u1ea3n tr\u01b0\u1edbc \u0111\u00f3 l\u00e0 Th\u00f4ng t\u01b0 08\/2020\/TT-NHNN v\u00e0 Th\u00f4ng t\u01b0 08\/2026\/TT-NHNN, gom c\u00e1ch t\u00ednh c\u00e1c t\u1ef7 l\u1ec7 n\u00e0y v\u00e0o m\u1ed9t khu\u00f4n kh\u1ed5 c\u1eadp nh\u1eadt duy nh\u1ea5t. \u0110i\u1ec1u \u0111\u00f3 khi\u1ebfn Th\u00f4ng T\u01b0 25 tr\u1edf th\u00e0nh m\u1ed1c tham chi\u1ebfu m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd d\u00f9ng \u0111\u1ec3 ho\u1ea1ch \u0111\u1ecbnh thanh kho\u1ea3n trong ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a n\u0103m 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u1edbi b\u1ea1n \u0111\u1ecdc m\u1edbi t\u00ecm hi\u1ec3u ch\u1ee7 \u0111\u1ec1 n\u00e0y, NHNN ban h\u00e0nh c\u00e1c th\u00f4ng t\u01b0 \u0111\u1ec3 tinh ch\u1ec9nh c\u00e1ch ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i qu\u1ea3n tr\u1ecb r\u1ee7i ro. M\u1ed9t th\u00f4ng t\u01b0 c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd r\u00e0ng bu\u1ed9c v\u00e0 \u0111\u1ee9ng d\u01b0\u1edbi lu\u1eadt ho\u1eb7c ngh\u1ecb \u0111\u1ecbnh trong h\u1ec7 th\u1ed1ng v\u0103n b\u1ea3n. V\u00ec v\u1eady \u0111\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec1u ch\u1ec9nh k\u1ef9 thu\u1eadt, c\u00f3 m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ed9t \u0111\u1ea1o lu\u1eadt ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n m\u1edbi, nh\u01b0ng t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 t\u1edbi n\u0103ng l\u1ef1c cho vay l\u00e0 \u0111\u00e1ng k\u1ec3 v\u1edbi to\u00e0n ng\u00e0nh.<\/p>\n\n\n\n<h2 id=\"ldr\" class=\"wp-block-heading\">T\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR) l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR) so s\u00e1nh t\u1ed5ng d\u01b0 n\u1ee3 cho vay c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng v\u1edbi t\u1ed5ng ti\u1ec1n g\u1eedi c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f3. M\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 100 \u0111\u01a1n v\u1ecb cho vay v\u00e0 125 \u0111\u01a1n v\u1ecb ti\u1ec1n g\u1eedi s\u1ebd c\u00f3 LDR b\u1eb1ng 80%. C\u01a1 quan qu\u1ea3n l\u00fd \u0111\u1eb7t tr\u1ea7n LDR \u0111\u1ec3 ng\u00e2n h\u00e0ng lu\u00f4n gi\u1eef m\u1ed9t ph\u1ea7n \u0111\u1ec7m ti\u1ec1n g\u1eedi thay v\u00ec cho vay g\u1ea7n h\u1ebft nh\u1eefng g\u00ec huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c. LDR c\u00e0ng th\u1ea5p th\u00ec d\u01b0 \u0111\u1ecba thanh kho\u1ea3n c\u00e0ng l\u1edbn; LDR c\u00e0ng cao th\u00ec ng\u00e2n h\u00e0ng cho vay c\u00e0ng m\u1ea1nh so v\u1edbi n\u1ec1n ti\u1ec1n g\u1eedi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u01a1 ch\u1ebf th\u1ee9 hai trong Th\u00f4ng T\u01b0 25 t\u00e1c \u0111\u1ed9ng qua m\u1eabu s\u1ed1 c\u1ee7a t\u1ef7 l\u1ec7 n\u00e0y. Khi cho ph\u00e9p ng\u00e2n h\u00e0ng t\u00ednh m\u1ed9t ph\u1ea7n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc v\u00e0o t\u1ed5ng ti\u1ec1n g\u1eedi, LDR t\u00ednh ra s\u1ebd gi\u1ea3m, qua \u0111\u00f3 m\u1edf th\u00eam d\u01b0 \u0111\u1ecba cho vay m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 ti\u1ec1n g\u1eedi m\u1edbi c\u1ee7a kh\u00e1ch h\u00e0ng. Hi\u1ec3u \u0111\u01b0\u1ee3c LDR l\u00e0 ch\u00eca kh\u00f3a \u0111\u1ec3 hi\u1ec3u v\u00ec sao thay \u0111\u1ed5i n\u00e0y quan tr\u1ecdng: \u0111\u00f3 l\u00e0 m\u1ed9t \u0111i\u1ec1u ch\u1ec9nh k\u1ebf to\u00e1n l\u1eb7ng l\u1ebd nh\u01b0ng c\u00f3 t\u00e1c \u0111\u1ed9ng th\u1ef1c t\u1ebf l\u00ean ho\u1ea1t \u0111\u1ed9ng cho vay.<\/p>\n\n\n\n<h2 id=\"thay-doi\" class=\"wp-block-heading\">Th\u00f4ng T\u01b0 25 thay \u0111\u1ed5i c\u1ee5 th\u1ec3 nh\u1eefng g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f3 hai thay \u0111\u1ed5i l\u1edbn, c\u1ea3 hai \u0111\u1ec1u \u0111i c\u00f9ng m\u1ed9t h\u01b0\u1edbng: gi\u1ea3i ph\u00f3ng n\u0103ng l\u1ef1c cho vay c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. N\u00e2ng tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n d\u00f9ng cho vay d\u00e0i h\u1ea1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng T\u01b0 25 n\u00e2ng t\u1ef7 l\u1ec7 t\u1ed1i \u0111a ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n m\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 cho vay trung v\u00e0 d\u00e0i h\u1ea1n t\u1eeb 30% l\u00ean 40%. Ng\u01b0\u1eddi g\u1eedi ti\u1ec1n Vi\u1ec7t Nam ch\u1ee7 y\u1ebfu n\u1eafm gi\u1eef ti\u1ec1n g\u1eedi ng\u1eafn h\u1ea1n, trong khi b\u00ean vay, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c d\u1ef1 \u00e1n h\u1ea1 t\u1ea7ng v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, l\u1ea1i c\u1ea7n c\u00e1c kho\u1ea3n vay nhi\u1ec1u n\u0103m. S\u1ef1 l\u1ec7ch pha k\u1ef3 h\u1ea1n \u0111\u00f3 tr\u01b0\u1edbc \u0111\u00e2y b\u1ecb si\u1ebft ch\u1eb7t \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro. B\u1eb1ng c\u00e1ch n\u00e2ng tr\u1ea7n l\u00ean 40%, quy \u0111\u1ecbnh m\u1edbi cho ng\u00e2n h\u00e0ng th\u00eam kho\u1ea3ng m\u1ed9t ph\u1ea7n ba d\u01b0 \u0111\u1ecba \u0111\u1ec3 t\u00e0i tr\u1ee3 c\u00e1c d\u1ef1 \u00e1n d\u00e0i h\u1ea1n t\u1eeb n\u1ec1n ti\u1ec1n g\u1eedi ng\u1eafn h\u1ea1n s\u1eb5n c\u00f3.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vietnam-dong-banknote.jpg\" alt=\"T\u1edd ti\u1ec1n \u0110\u1ed3ng Vi\u1ec7t Nam th\u1ec3 hi\u1ec7n ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng v\u00e0 t\u1ef7 l\u1ec7 LDR theo Th\u00f4ng T\u01b0 25 n\u0103m 2026\" class=\"wp-image-2598\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vietnam-dong-banknote.jpg 1080w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vietnam-dong-banknote-300x300.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vietnam-dong-banknote-1024x1024.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vietnam-dong-banknote-150x150.jpg 150w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vietnam-dong-banknote-768x768.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/vietnam-dong-banknote-12x12.jpg 12w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">2. C\u00e1ch t\u00ednh ti\u1ec1n g\u1eedi Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc trong LDR d\u1ec5 th\u1edf h\u01a1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Thay \u0111\u1ed5i th\u1ee9 hai ch\u1ea1m tr\u1ef1c ti\u1ebfp v\u00e0o t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi. Quy \u0111\u1ecbnh gi\u1eef nguy\u00ean vi\u1ec7c t\u00ednh 20% s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc v\u00e0o t\u1ed5ng ti\u1ec1n g\u1eedi v\u00e0, quan tr\u1ecdng h\u01a1n, cho ph\u00e9p Th\u1ed1ng \u0111\u1ed1c NHNN quy\u1ebft \u0111\u1ecbnh m\u1ed9t t\u1ef7 l\u1ec7 kh\u00e1c trong t\u1eebng th\u1eddi k\u1ef3. V\u00ec n\u1ec1n ti\u1ec1n g\u1eedi l\u1edbn h\u01a1n s\u1ebd k\u00e9o LDR t\u00ednh to\u00e1n xu\u1ed1ng, c\u01a1 ch\u1ebf n\u00e0y cho c\u00e1c ng\u00e2n h\u00e0ng n\u1eafm gi\u1eef ti\u1ec1n Kho b\u1ea1c th\u00eam d\u01b0 \u0111\u1ecba cho vay c\u00f3 ki\u1ec3m so\u00e1t m\u00e0 kh\u00f4ng vi ph\u1ea1m t\u1ef7 l\u1ec7.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u1ed9p l\u1ea1i, hai \u0111\u00f2n b\u1ea9y trong Th\u00f4ng T\u01b0 25 c\u00f9ng \u0111i m\u1ed9t h\u01b0\u1edbng: m\u1edf r\u1ed9ng l\u01b0\u1ee3ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 c\u1ea5p t\u1eeb n\u1ec1n ti\u1ec1n g\u1eedi hi\u1ec7n c\u00f3. \u0110\u00f3 l\u00e0 l\u00fd do gi\u1edbi ph\u00e2n t\u00edch m\u00f4 t\u1ea3 Th\u00f4ng T\u01b0 25 l\u00e0 m\u1ed9t s\u1ef1 n\u1edbi l\u1ecfng thanh kho\u1ea3n v\u1eeba ph\u1ea3i nh\u01b0ng c\u00f3 \u00fd ngh\u0129a, ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ed9t c\u00fa xoay tr\u1ee5c ch\u00ednh s\u00e1ch m\u1ea1nh tay. Thi\u1ebft k\u1ebf n\u00e0y gi\u1eef nguy\u00ean c\u1ea5u tr\u00fac an to\u00e0n trong khi v\u1eb7n to c\u00e1c n\u00fat \u0111i\u1ec1u ch\u1ec9nh m\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd v\u1ed1n \u0111\u00e3 c\u00f3.<\/p>\n\n\n\n<h2 id=\"lich-su\" class=\"wp-block-heading\">So v\u1edbi c\u00e1c quy \u0111\u1ecbnh thanh kho\u1ea3n tr\u01b0\u1edbc \u0111\u00e2y th\u00ec sao?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Chi\u1ec1u h\u01b0\u1edbng thay \u0111\u1ed5i m\u1edbi l\u00e0 \u0111i\u1ec1u \u0111\u00e1ng ch\u00fa \u00fd. Trong nhi\u1ec1u n\u0103m, NHNN \u0111\u00e3 d\u1ea7n h\u1ea1 tr\u1ea7n t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay d\u00e0i h\u1ea1n, k\u00e9o v\u1ec1 m\u1ee9c 30% \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro l\u1ec7ch k\u1ef3 h\u1ea1n sau c\u00e1c giai \u0111o\u1ea1n t\u00edn d\u1ee5ng t\u0103ng n\u00f3ng. Quy \u0111\u1ecbnh m\u1edbi \u0111\u1ea3o ng\u01b0\u1ee3c xu h\u01b0\u1edbng \u0111\u00f3, n\u00e2ng tr\u1ea7n tr\u1edf l\u1ea1i m\u1ee9c 40% l\u1ea7n \u0111\u1ea7u ti\u00ean sau nhi\u1ec1u n\u0103m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ef1 \u0111\u1ea3o chi\u1ec1u \u0111\u00f3 b\u00e1o hi\u1ec7u m\u1ed9t thay \u0111\u1ed5i trong th\u1ee9 t\u1ef1 \u01b0u ti\u00ean. N\u01a1i m\u00e0 \u0111\u1ee3t si\u1ebft tr\u01b0\u1edbc \u0111\u00e2y nh\u1ea5n m\u1ea1nh \u1ed5n \u0111\u1ecbnh v\u00e0 gi\u1ea3m r\u1ee7i ro, th\u00ec thay \u0111\u1ed5i n\u0103m 2026 l\u1ea1i nh\u1ea5n m\u1ea1nh t\u0103ng tr\u01b0\u1edfng v\u00e0 ngu\u1ed3n cung v\u1ed1n. B\u1eb1ng c\u00e1ch b\u00e3i b\u1ecf Th\u00f4ng t\u01b0 08\/2020\/TT-NHNN v\u00e0 Th\u00f4ng t\u01b0 08\/2026\/TT-NHNN, c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng d\u1ecdn g\u1ecdn m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh ch\u1ed3ng ch\u00e9o, n\u00ean ng\u00e2n h\u00e0ng gi\u1edd l\u00e0m vi\u1ec7c theo m\u1ed9t chu\u1ea9n duy nh\u1ea5t r\u00f5 r\u00e0ng. Th\u00f4ng \u0111i\u1ec7p g\u1eedi t\u1edbi th\u1ecb tr\u01b0\u1eddng l\u00e0 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u00e1nh gi\u00e1 h\u1ec7 th\u1ed1ng \u0111\u1ee7 kh\u1ecfe \u0111\u1ec3 cho vay nhi\u1ec1u h\u01a1n.<\/p>\n\n\n\n<h2 id=\"vi-sao\" class=\"wp-block-heading\">V\u00ec sao Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc n\u1edbi quy \u0111\u1ecbnh thanh kho\u1ea3n v\u00e0o l\u00fac n\u00e0y?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi \u0111i\u1ec3m ban h\u00e0nh ph\u1ea3n \u00e1nh hai \u00e1p l\u1ef1c. Th\u1ee9 nh\u1ea5t, Vi\u1ec7t Nam c\u1ea7n r\u1ea5t nhi\u1ec1u v\u1ed1n d\u00e0i h\u1ea1n cho c\u00e1c d\u1ef1 \u00e1n h\u1ea1 t\u1ea7ng quy m\u00f4 l\u1edbn v\u00e0 c\u00e1c d\u1ef1 \u00e1n theo h\u00ecnh th\u1ee9c X\u00e2y d\u1ef1ng v\u00e0 Chuy\u1ec3n giao (BT), trong khi ng\u00e2n h\u00e0ng v\u1eabn l\u00e0 ngu\u1ed3n t\u00e0i tr\u1ee3 ch\u00ednh. N\u00e2ng tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n l\u00ean 40% tr\u1ef1c ti\u1ebfp h\u1ed7 tr\u1ee3 d\u00f2ng d\u1ef1 \u00e1n \u0111\u00f3. Th\u1ee9 hai, c\u1ea1nh tranh huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi \u0111\u00e3 \u0111\u1ea9y chi ph\u00ed v\u1ed1n l\u00ean cao, v\u00e0 NHNN mu\u1ed1n gi\u1eef l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1eb1ng c\u00e1ch n\u1edbi c\u00e1c t\u1ef7 l\u1ec7, Th\u00f4ng T\u01b0 25 gi\u1ea3m b\u1edbt s\u1ee9c \u00e9p bu\u1ed9c ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ea1y \u0111ua huy \u0111\u1ed9ng v\u1edbi l\u00e3i su\u1ea5t ng\u00e0y m\u1ed9t cao. B\u00ecnh lu\u1eadn th\u1ecb tr\u01b0\u1eddng t\u1eeb b\u00e1o Tin Nhanh Ch\u1ee9ng Kho\u00e1n m\u00f4 t\u1ea3 \u0111\u1ed9ng th\u00e1i n\u00e0y l\u00e0 th\u00eam d\u01b0 \u0111\u1ecba cho ng\u00e2n h\u00e0ng v\u00e0 gi\u1ea3m \u00e1p l\u1ef1c l\u00e3i su\u1ea5t. N\u00f3i c\u00e1ch kh\u00e1c, thay \u0111\u1ed5i n\u00e0y li\u00ean quan t\u1edbi gi\u00e1 c\u1ee7a \u0111\u1ed3ng v\u1ed1n nhi\u1ec1u kh\u00f4ng k\u00e9m so v\u1edbi l\u01b0\u1ee3ng t\u00edn d\u1ee5ng, v\u00e0 c\u1ea3 hai hi\u1ec7u \u1ee9ng \u0111\u1ec1u nh\u1eb1m c\u1ee7ng c\u1ed1 l\u1eabn nhau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng c\u1ea7n n\u00f3i r\u00f5 Th\u00f4ng T\u01b0 25 kh\u00f4ng l\u00e0m g\u00ec. N\u00f3 kh\u00f4ng thay \u0111\u1ed5i l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh v\u00e0 kh\u00f4ng x\u00f3a b\u1ecf ho\u00e0n to\u00e0n c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n. N\u00f3 ch\u1ec9 hi\u1ec7u ch\u1ec9nh l\u1ea1i c\u00e1c n\u00fat m\u00e0 NHNN v\u1ed1n \u0111\u00e3 s\u1eed d\u1ee5ng, v\u00e0 \u0111\u00f3 l\u00e0 l\u00fd do ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u00f3 th\u1ec3 tr\u00ecnh b\u00e0y \u0111\u00e2y l\u00e0 m\u1ed9t b\u01b0\u1edbc \u0111i h\u1ed7 tr\u1ee3 nh\u01b0ng v\u1eabn gi\u1eef v\u1eefng h\u00e0ng r\u00e0o an to\u00e0n.<\/p>\n\n\n\n<h2 id=\"ngan-hang\" class=\"wp-block-heading\">Ng\u00e2n h\u00e0ng n\u00e0o h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"675\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-banking-district-night.jpg\" alt=\"\u0110\u01b0\u1eddng ch\u00e2n tr\u1eddi khu ng\u00e2n h\u00e0ng Th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh ban \u0111\u00eam, ch\u00ednh s\u00e1ch thanh kho\u1ea3n theo Th\u00f4ng T\u01b0 25\" class=\"wp-image-2596\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-banking-district-night.jpg 1280w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-banking-district-night-300x158.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-banking-district-night-1024x540.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-banking-district-night-768x405.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-banking-district-night-18x9.jpg 18w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng h\u01b0\u1edfng l\u1ee3i nh\u01b0 nhau. Nh\u1eefng ng\u00e2n h\u00e0ng h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng v\u1ed1n \u0111\u00e3 g\u1ea7n tr\u1ea7n c\u0169 30% ho\u1eb7c n\u1eafm gi\u1eef l\u01b0\u1ee3ng l\u1edbn ti\u1ec1n g\u1eedi Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc. C\u00e1c c\u00f4ng ty ch\u1ee9ng kho\u00e1n trong n\u01b0\u1edbc ch\u1ec9 ra ba ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c doanh l\u1edbn l\u00e0 nh\u00f3m h\u01b0\u1edfng l\u1ee3i r\u00f5 nh\u1ea5t: Vietcombank (VCB), BIDV (BID) v\u00e0 VietinBank (CTG). C\u00e1c ng\u00e2n h\u00e0ng n\u00e0y n\u1eafm s\u1ed1 d\u01b0 Kho b\u1ea1c \u0111\u00e1ng k\u1ec3, n\u00ean c\u1ea3 hai c\u01a1 ch\u1ebf trong Th\u00f4ng T\u01b0 25 c\u00f9ng l\u00fac gi\u00fap \u00edch cho h\u1ecd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ngo\u00e0i b\u1ed9 ba qu\u1ed1c doanh, c\u00e1c ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n v\u1ed1n \u0111ang ch\u1ea1y s\u00e1t tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n c\u0169 c\u0169ng c\u00f3 th\u00eam d\u01b0 \u0111\u1ecba m\u1edbi. Gi\u1edbi ph\u00e2n t\u00edch th\u01b0\u1eddng nh\u1eafc t\u1edbi Ng\u00e2n h\u00e0ng Qu\u00e2n \u0111\u1ed9i (MBBank, MBB), Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng (VPBank, VPB), Techcombank (TCB) v\u00e0 Ng\u00e2n h\u00e0ng Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIB) nh\u01b0 nh\u1eefng \u0111\u01a1n v\u1ecb c\u00f3 v\u1ecb th\u1ebf m\u1edf r\u1ed9ng t\u00edn d\u1ee5ng khi tr\u1ea7n 40% m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u1ede c\u1ea5p \u0111\u1ed9 ng\u00e0nh, c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111ang giao d\u1ecbch quanh m\u1ee9c 1,2 l\u1ea7n gi\u00e1 tr\u00ean gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch d\u1ef1 ph\u00f3ng n\u0103m 2026, th\u1ea5p h\u01a1n m\u1ee9c b\u00ecnh qu\u00e2n l\u1ecbch s\u1eed, trong khi t\u1ef7 su\u1ea5t sinh l\u1eddi tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu (ROE) quanh m\u1ee9c 17%, theo b\u00ecnh lu\u1eadn c\u1ee7a c\u00e1c c\u00f4ng ty ch\u1ee9ng kho\u00e1n t\u1ed5ng h\u1ee3p sau khi quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c ban h\u00e0nh. Ch\u00ednh s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa \u0111\u1ecbnh gi\u00e1 d\u01b0\u1edbi trung b\u00ecnh v\u00e0 m\u1ed9t thay \u0111\u1ed5i h\u1ed7 tr\u1ee3 l\u00e0 l\u00fd do nhi\u1ec1u c\u00f4ng ty ch\u1ee9ng kho\u00e1n tr\u1edf n\u00ean l\u1ea1c quan h\u01a1n v\u1edbi c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng khi c\u00e1c chi ti\u1ebft c\u1ee7a Th\u00f4ng T\u01b0 25 xu\u1ea5t hi\u1ec7n.<\/p>\n\n\n\n<h2 id=\"nha-dau-tu\" class=\"wp-block-heading\">Th\u00f4ng T\u01b0 25 c\u00f3 \u00fd ngh\u0129a g\u00ec v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu, thay \u0111\u1ed5i n\u00e0y l\u00e0 t\u00edn hi\u1ec7u cho th\u1ea5y c\u01a1 quan qu\u1ea3n l\u00fd mu\u1ed1n t\u00edn d\u1ee5ng ch\u1ea3y d\u1ec5 d\u00e0ng h\u01a1n v\u00e0o n\u1ec1n kinh t\u1ebf trong n\u1eeda cu\u1ed1i n\u0103m 2026. Th\u00eam d\u01b0 \u0111\u1ecba cho vay c\u00f3 th\u1ec3 chuy\u1ec3n th\u00e0nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng nhanh h\u01a1n, qua \u0111\u00f3 h\u1ed7 tr\u1ee3 thu nh\u1eadp l\u00e3i thu\u1ea7n t\u1ea1i nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 v\u1ecb th\u1ebf t\u1ed1t nh\u1ea5t \u0111\u1ec3 t\u1eadn d\u1ee5ng. \u0110\u00f3 l\u00e0 lu\u1eadn \u0111i\u1ec3m t\u00edch c\u1ef1c c\u1ed1t l\u00f5i m\u00e0 c\u00e1c c\u00f4ng ty ch\u1ee9ng kho\u00e1n trong n\u01b0\u1edbc d\u1ef1ng l\u00ean quanh Th\u00f4ng T\u01b0 25 khi c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00e1c \u0111\u1ed9ng lan t\u1ecfa v\u01b0\u1ee3t ra ngo\u00e0i nh\u00f3m ng\u00e2n h\u00e0ng. C\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 x\u00e2y d\u1ef1ng v\u1ed1n d\u1ef1a v\u00e0o t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng trung v\u00e0 d\u00e0i h\u1ea1n c\u0169ng h\u01b0\u1edfng l\u1ee3i gi\u00e1n ti\u1ebfp, b\u1edfi tr\u1ea7n 40% cao h\u01a1n gi\u00fap ng\u00e2n h\u00e0ng d\u1ec5 t\u00e0i tr\u1ee3 d\u1ef1 \u00e1n c\u1ee7a h\u1ecd h\u01a1n. Nh\u00e0 \u0111\u1ea7u t\u01b0 theo d\u00f5i chu k\u1ef3 t\u00edn d\u1ee5ng Vi\u1ec7t Nam v\u00ec th\u1ebf n\u00ean xem quy \u0111\u1ecbnh n\u00e0y l\u00e0 m\u1ed9t trong nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ea7u v\u00e0o, b\u00ean c\u1ea1nh h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u00e0 l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t l\u1eddi nh\u1eafc v\u1ec1 k\u1ef7 lu\u1eadt \u0111\u1ea7u t\u01b0: m\u1ed9t thay \u0111\u1ed5i quy \u0111\u1ecbnh kh\u00f4ng b\u1ea3o \u0111\u1ea3m l\u1ee3i nhu\u1eadn cao h\u01a1n. T\u00e1c \u0111\u1ed9ng s\u1ebd hi\u1ec7n ra d\u1ea7n trong s\u1ed5 s\u00e1ch cho vay v\u00e0 bi\u00ean l\u00e3i t\u1eebng qu\u00fd, ch\u1ee9 kh\u00f4ng ph\u1ea3i sau m\u1ed9t \u0111\u00eam. Nh\u00e0 \u0111\u1ea7u t\u01b0 mu\u1ed1n \u0111o l\u01b0\u1eddng hi\u1ec7u \u1ee9ng n\u00ean theo d\u00f5i t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n v\u00e0 LDR th\u1ef1c t\u1ebf c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng qua c\u00e1c qu\u00fd thay v\u00ec giao d\u1ecbch theo ti\u00eau \u0111\u1ec1. \u0110\u1ec3 hi\u1ec3u r\u1ed9ng h\u01a1n v\u1ec1 c\u00e1ch c\u00e1c th\u01b0\u1edbc \u0111o \u0111\u1ecbnh gi\u00e1 c\u00f3 th\u1ec3 g\u00e2y hi\u1ec3u l\u1ea7m, xem b\u00e0i gi\u1ea3i th\u00edch c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 <a href=\"https:\/\/blog.datacore.vn\/vi\/von-hoa-thi-truong-blue-chip-small-cap-2026\/\">v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng nh\u01b0 m\u1ed9t th\u01b0\u1edbc \u0111o n\u0103m 2026<\/a>.<\/p>\n\n\n\n<h2 id=\"doanh-nghiep\" class=\"wp-block-heading\">Doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi vay n\u00ean k\u1ef3 v\u1ecdng \u0111i\u1ec1u g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u1edbi c\u00e1c doanh nghi\u1ec7p \u0111i vay, k\u1ef3 v\u1ecdng th\u1ef1c t\u1ebf l\u00e0 ti\u1ebfp c\u1eadn v\u1ed1n vay d\u00e0i h\u1ea1n d\u1ec5 h\u01a1n v\u00e0, theo th\u1eddi gian, l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh h\u01a1n. C\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 h\u1ea1 t\u1ea7ng, nh\u00e0 s\u1ea3n xu\u1ea5t t\u00e0i tr\u1ee3 nh\u00e0 m\u00e1y m\u1edbi v\u00e0 doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 nh\u00f3m h\u01b0\u1edfng l\u1ee3i t\u1ef1 nhi\u00ean v\u00ec d\u1ef1 \u00e1n c\u1ee7a h\u1ecd c\u1ea7n v\u1ed1n nhi\u1ec1u n\u0103m m\u00e0 ng\u00e2n h\u00e0ng nay c\u00f3 th\u1ec3 cung c\u1ea5p d\u1ec5 h\u01a1n theo Th\u00f4ng T\u01b0 25. Doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u00f3 th\u1ec3 c\u1ea3m nh\u1eadn t\u00e1c \u0111\u1ed9ng gi\u00e1n ti\u1ebfp khi c\u00e1c ng\u00e2n h\u00e0ng c\u1ea1nh tranh nhau \u0111\u1ec3 gi\u00e0nh kh\u00e1ch vay t\u1ed1t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00f9 v\u1eady, ng\u01b0\u1eddi vay n\u00ean ti\u1ebft ch\u1ebf k\u1ef3 v\u1ecdng. Gi\u1edbi ph\u00e2n t\u00edch t\u1ea1i 24H Money m\u00f4 t\u1ea3 thay \u0111\u1ed5i n\u00e0y l\u00e0 s\u1ef1 n\u1edbi nh\u1eb9 d\u00f2ng ti\u1ec1n ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0n s\u00f3ng t\u00edn d\u1ee5ng gi\u00e1 r\u1ebb. Ng\u00e2n h\u00e0ng v\u1eabn \u00e1p d\u1ee5ng chu\u1ea9n t\u00edn d\u1ee5ng ri\u00eang, v\u00e0 m\u1ed9t b\u1ea3ng c\u00e2n \u0111\u1ed1i l\u00e0nh m\u1ea1nh, b\u00e1o c\u00e1o t\u00e0i ch\u00ednh minh b\u1ea1ch c\u00f9ng d\u1eef li\u1ec7u ki\u1ec3m ch\u1ee9ng \u0111\u01b0\u1ee3c s\u1ebd v\u1eabn quan tr\u1ecdng nh\u01b0 tr\u01b0\u1edbc khi \u0111\u00e0m ph\u00e1n \u0111i\u1ec1u kho\u1ea3n. Quy \u0111\u1ecbnh m\u1edf r\u1ed9ng c\u00e1nh c\u1eeda nh\u01b0ng kh\u00f4ng lo\u1ea1i b\u1ecf s\u1ef1 th\u1ea9m \u0111\u1ecbnh c\u1ee7a b\u00ean cho vay.<\/p>\n\n\n\n<h2 id=\"rui-ro\" class=\"wp-block-heading\">R\u1ee7i ro v\u00e0 gi\u1edbi h\u1ea1n c\u1ee7a Th\u00f4ng T\u01b0 25 l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1edbi l\u1ecfng lu\u00f4n \u0111i k\u00e8m \u0111\u00e1nh \u0111\u1ed5i. Cho ph\u00e9p ng\u00e2n h\u00e0ng t\u00e0i tr\u1ee3 nhi\u1ec1u kho\u1ea3n vay d\u00e0i h\u1ea1n h\u01a1n t\u1eeb ti\u1ec1n g\u1eedi ng\u1eafn h\u1ea1n l\u00e0m t\u0103ng r\u1ee7i ro l\u1ec7ch k\u1ef3 h\u1ea1n, ch\u00ednh l\u00e0 r\u1ee7i ro m\u00e0 tr\u1ea7n c\u0169 30% \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ki\u1ec1m ch\u1ebf. N\u1ebfu ti\u1ec1n g\u1eedi r\u1eddi h\u1ec7 th\u1ed1ng nhanh, c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng s\u00e1t tr\u1ea7n 40% m\u1edbi theo Th\u00f4ng T\u01b0 25 s\u1ebd \u0111\u1ed1i m\u1eb7t v\u1edbi thanh kho\u1ea3n c\u0103ng h\u01a1n tr\u01b0\u1edbc, \u0111\u00fang k\u1ecbch b\u1ea3n m\u00e0 \u0111\u1ee3t si\u1ebft tr\u01b0\u1edbc \u0111\u00e2y c\u1ed1 tr\u00e1nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u00e2n t\u00edch trong n\u01b0\u1edbc t\u1eeb 24H Money l\u01b0u \u00fd r\u1eb1ng quy \u0111\u1ecbnh ch\u1ec9 h\u00edch nh\u1eb9 d\u00f2ng ti\u1ec1n ch\u1ee9 kh\u00f4ng m\u1edf toang van t\u00edn d\u1ee5ng, n\u00ean c\u00e1c ng\u00e0nh k\u1ef3 v\u1ecdng m\u1ed9t c\u00fa b\u1eadt t\u00edn d\u1ee5ng l\u1edbn nh\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 x\u00e2y d\u1ef1ng c\u00f3 th\u1ec3 ch\u1ec9 th\u1ea5y m\u1ee9c c\u1ea3i thi\u1ec7n khi\u00eam t\u1ed1n h\u01a1n so v\u1edbi ti\u00eau \u0111\u1ec1. Theo c\u00e1ch hi\u1ec3u \u0111\u00f3, quy \u0111\u1ecbnh c\u1ea3i thi\u1ec7n ngu\u1ed3n cung v\u1ed1n \u1edf bi\u00ean nh\u01b0ng t\u1ef1 n\u00f3 kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c c\u1ea7u y\u1ebfu hay r\u1ee7i ro \u1edf c\u1ea5p d\u1ef1 \u00e1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f2n c\u00f3 r\u1ee7i ro th\u1ef1c thi. V\u00ec v\u0103n b\u1ea3n cho ph\u00e9p Th\u1ed1ng \u0111\u1ed1c NHNN \u0111i\u1ec1u ch\u1ec9nh t\u1ef7 l\u1ec7 ti\u1ec1n g\u1eedi Kho b\u1ea1c trong t\u1eebng th\u1eddi k\u1ef3, m\u1ee9c h\u01b0\u1edfng l\u1ee3i ch\u00ednh x\u00e1c c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo th\u1eddi gian. Ng\u00e2n h\u00e0ng v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n theo d\u00f5i h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN thay v\u00ec cho r\u1eb1ng c\u00e1c thi\u1ebft l\u1eadp ban \u0111\u1ea7u l\u00e0 v\u0129nh vi\u1ec5n. T\u00f3m l\u1ea1i, Th\u00f4ng T\u01b0 25 mang t\u00ednh h\u1ed7 tr\u1ee3, nh\u01b0ng l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u01b0\u1ee3c hi\u1ec7u ch\u1ec9nh m\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 th\u1ec3 tinh ch\u1ec9nh l\u1ea1i b\u1ea5t c\u1ee9 khi n\u00e0o \u0111i\u1ec1u ki\u1ec7n thay \u0111\u1ed5i.<\/p>\n\n\n\n<h2 id=\"du-lieu\" class=\"wp-block-heading\">Th\u00f4ng T\u01b0 25 l\u00e0m thay \u0111\u1ed5i nhu c\u1ea7u d\u1eef li\u1ec7u t\u00e0i ch\u00ednh ra sao?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u1eefng quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0y v\u1eadn h\u00e0nh d\u1ef1a tr\u00ean c\u00e1c con s\u1ed1 thay \u0111\u1ed5i m\u1ed7i qu\u00fd: t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng, LDR, s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi Kho b\u1ea1c v\u00e0 c\u01a1 c\u1ea5u cho vay theo k\u1ef3 h\u1ea1n. \u0110\u1ec3 \u0111\u00e1nh gi\u00e1 ai th\u1ef1c s\u1ef1 h\u01b0\u1edfng l\u1ee3i t\u1eeb Th\u00f4ng T\u01b0 25, gi\u1edbi ph\u00e2n t\u00edch c\u1ea7n d\u1eef li\u1ec7u s\u1ea1ch, k\u1ecbp th\u1eddi v\u00e0 chu\u1ea9n h\u00f3a v\u1ec1 t\u1ea5t c\u1ea3 c\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y tr\u00ean m\u1ecdi ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 b\u00ecnh lu\u1eadn ti\u00eau \u0111\u1ec1 v\u00e0o ng\u00e0y quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 l\u00fac d\u1eef li\u1ec7u t\u00e0i ch\u00ednh c\u00f3 c\u1ea5u tr\u00fac tr\u1edf n\u00ean quan tr\u1ecdng. D\u1ecbch v\u1ee5 <a href=\"https:\/\/datacore.vn\/vi\/services\/company-trial\" target=\"_blank\" rel=\"noopener\">Company Intelligence Service<\/a> c\u1ee7a DataCore t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u doanh nghi\u1ec7p v\u00e0 t\u00e0i ch\u00ednh chu\u1ea9n h\u00f3a v\u1ec1 c\u00e1c c\u00f4ng ty ni\u00eam y\u1ebft Vi\u1ec7t Nam, gi\u00fap gi\u1edbi ph\u00e2n t\u00edch theo d\u00f5i c\u00e1ch ng\u00e2n h\u00e0ng ph\u1ea3n \u1ee9ng theo th\u1eddi gian. K\u1ebft h\u1ee3p \u0111i\u1ec1u \u0111\u00f3 v\u1edbi th\u1ef1c h\u00e0nh ch\u1ecdn nh\u00e0 cung c\u1ea5p c\u00f3 k\u1ef7 lu\u1eadt, nh\u01b0 tr\u00ecnh b\u00e0y trong h\u01b0\u1edbng d\u1eabn v\u1ec1 <a href=\"https:\/\/blog.datacore.vn\/vi\/?p=2532\">5 c\u00e2u h\u1ecfi ph\u1ea3i h\u1ecfi nh\u00e0 cung c\u1ea5p d\u1eef li\u1ec7u t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/a>, s\u1ebd gi\u00fap c\u00e1c \u0111\u1ed9i x\u00e2y m\u1ed9t b\u1ee9c tranh \u0111\u00e1ng tin c\u1eady v\u00e0 c\u00f3 th\u1ec3 ki\u1ec3m to\u00e1n v\u1ec1 b\u1ed1i c\u1ea3nh m\u1edbi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ed1i c\u1ea3nh r\u1ed9ng h\u01a1n c\u0169ng quan tr\u1ecdng. Vi\u1ec7t Nam \u0111ang \u0111\u00e0o s\u00e2u th\u1ecb tr\u01b0\u1eddng v\u1ed1n, t\u1eeb vi\u1ec7c <a href=\"https:\/\/blog.datacore.vn\/vi\/?p=2529\">\u0111\u01b0\u1ee3c n\u00e2ng h\u1ea1ng l\u00ean th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i FTSE<\/a> \u0111\u1ebfn h\u1ea1 t\u1ea7ng th\u1ecb tr\u01b0\u1eddng m\u1edbi nh\u01b0 <a href=\"https:\/\/blog.datacore.vn\/vi\/san-giao-dich-carbon-viet-nam-2026\/\">s\u00e0n giao d\u1ecbch carbon qu\u1ed1c gia<\/a>, v\u00e0 c\u00e1c t\u00edn hi\u1ec7u v\u1ec1 s\u1ee9c kh\u1ecfe ng\u00e0nh nh\u01b0 ph\u00e2n t\u00edch <a href=\"https:\/\/blog.datacore.vn\/vi\/ngan-hang-viet-nam-h1-2026-rui-ro-tin-dung\/\">r\u1ee7i ro t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam n\u1eeda \u0111\u1ea7u 2026<\/a>. Th\u00f4ng T\u01b0 25 n\u1eb1m trong n\u1ed7 l\u1ef1c r\u1ed9ng l\u1edbn h\u01a1n nh\u1eb1m d\u1eabn v\u1ed1n nhi\u1ec1u h\u01a1n, hi\u1ec7u qu\u1ea3 h\u01a1n v\u00e0o n\u1ec1n kinh t\u1ebf th\u1ef1c, v\u00e0 m\u1ed7i b\u01b0\u1edbc \u0111i \u0111\u1ec1u l\u00e0m t\u0103ng gi\u00e1 tr\u1ecb c\u1ee7a d\u1eef li\u1ec7u t\u00e0i ch\u00ednh \u0111\u00e1ng tin c\u1eady.<\/p>\n\n\n\n<h2 id=\"faq\" class=\"wp-block-heading\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Th\u00f4ng T\u01b0 25\/2026 c\u00f3 hi\u1ec7u l\u1ef1c khi n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng T\u01b0 25 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam k\u00fd ng\u00e0y 22\/6\/2026 v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/7\/2026. T\u1eeb ng\u00e0y \u0111\u00f3, tr\u1ea7n v\u1ed1n ng\u1eafn h\u1ea1n 40% cao h\u01a1n v\u00e0 c\u00e1ch t\u00ednh LDR c\u1eadp nh\u1eadt b\u1eaft \u0111\u1ea7u \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Thay \u0111\u1ed5i ch\u00ednh trong Th\u00f4ng T\u01b0 25 l\u00e0 g\u00ec?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Thay \u0111\u1ed5i l\u1edbn nh\u1ea5t l\u00e0 n\u00e2ng tr\u1ea7n t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n d\u00f9ng cho vay trung v\u00e0 d\u00e0i h\u1ea1n t\u1eeb 30% l\u00ean 40%, c\u00f9ng v\u1edbi c\u00e1ch t\u00ednh ti\u1ec1n g\u1eedi Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc trong t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi d\u1ec5 th\u1edf h\u01a1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ng\u00e2n h\u00e0ng n\u00e0o h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh Vietcombank (VCB), BIDV (BID) v\u00e0 VietinBank (CTG) \u0111\u01b0\u1ee3c xem l\u00e0 h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t v\u00ec n\u1eafm gi\u1eef l\u01b0\u1ee3ng l\u1edbn ti\u1ec1n g\u1eedi Kho b\u1ea1c. C\u00e1c ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n g\u1ea7n tr\u1ea7n c\u0169 nh\u01b0 MBBank, VPBank, Techcombank v\u00e0 VIB c\u0169ng c\u00f3 th\u00eam d\u01b0 \u0111\u1ecba cho vay.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Th\u00f4ng T\u01b0 25 c\u00f3 thay \u0111\u1ed5i l\u00e3i su\u1ea5t kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Th\u00f4ng T\u01b0 25 kh\u00f4ng thay \u0111\u1ed5i l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh m\u1ed9t c\u00e1ch tr\u1ef1c ti\u1ebfp. B\u1eb1ng c\u00e1ch n\u1edbi c\u00e1c t\u1ef7 l\u1ec7 thanh kho\u1ea3n, n\u00f3 nh\u1eb1m gi\u1ea3m \u00e1p l\u1ef1c t\u0103ng l\u00ean l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay, nh\u01b0ng NHNN quy\u1ebft \u0111\u1ecbnh l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh qua c\u00e1c quy\u1ebft \u0111\u1ecbnh ri\u00eang.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Th\u00f4ng T\u01b0 25 thay th\u1ebf nh\u1eefng v\u0103n b\u1ea3n n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng T\u01b0 25 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 22\/2019\/TT-NHNN v\u00e0 b\u00e3i b\u1ecf Th\u00f4ng t\u01b0 08\/2020\/TT-NHNN c\u00f9ng Th\u00f4ng t\u01b0 08\/2026\/TT-NHNN, gom c\u00e1ch t\u00ednh c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n n\u00e0y v\u00e0o m\u1ed9t quy \u0111\u1ecbnh c\u1eadp nh\u1eadt duy nh\u1ea5t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0110\u00e2y c\u00f3 ph\u1ea3i l\u00e0 thay \u0111\u1ed5i v\u0129nh vi\u1ec5n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u1ea7n 40% \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong v\u0103n b\u1ea3n, nh\u01b0ng Th\u1ed1ng \u0111\u1ed1c NHNN c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh t\u1ef7 l\u1ec7 ti\u1ec1n g\u1eedi Kho b\u1ea1c trong t\u1eebng th\u1eddi k\u1ef3. Ng\u00e2n h\u00e0ng v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean ch\u1edd h\u01b0\u1edbng d\u1eabn ti\u1ebfp theo c\u1ee7a NHNN thay v\u00ec cho r\u1eb1ng m\u1ecdi tham s\u1ed1 l\u00e0 c\u1ed1 \u0111\u1ecbnh m\u00e3i m\u00e3i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>K\u1ebft lu\u1eadn:<\/strong> Th\u00f4ng T\u01b0 25 l\u00e0 m\u1ed9t \u0111i\u1ec1u ch\u1ec9nh c\u00f3 m\u1ee5c ti\u00eau, \u01b0u ti\u00ean t\u0103ng tr\u01b0\u1edfng \u0111\u1ed1i v\u1edbi quy \u0111\u1ecbnh thanh kho\u1ea3n ng\u00e2n h\u00e0ng Vi\u1ec7t Nam. N\u00f3 s\u1ebd kh\u00f4ng l\u00e0m thay \u0111\u1ed5i ng\u00e0nh sau m\u1ed9t \u0111\u00eam, nh\u01b0ng nghi\u00eang s\u00e2n ch\u01a1i v\u1ec1 ph\u00eda c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 n\u1ec1n ti\u1ec1n g\u1eedi m\u1ea1nh v\u00e0 quan h\u1ec7 Kho b\u1ea1c t\u1ed1t. V\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 gi\u1edbi ph\u00e2n t\u00edch, vi\u1ec7c th\u1ef1c t\u1ebf b\u00e2y gi\u1edd l\u00e0 \u0111o l\u01b0\u1eddng t\u00e1c \u0111\u1ed9ng theo t\u1eebng ng\u00e2n h\u00e0ng, t\u1eebng qu\u00fd, b\u1eb1ng d\u1eef li\u1ec7u t\u00e0i ch\u00ednh \u0111\u00e1ng tin c\u1eady thay v\u00ec theo ti\u00eau \u0111\u1ec1.<\/p>\n\n\n\n<h2 id=\"nguon\" class=\"wp-block-heading\">Ngu\u1ed3n tham kh\u1ea3o<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>LuatVietnam: \"Th\u00f4ng t\u01b0 25\/2026\/TT-NHNN: S\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 22\/2019\/TT-NHNN v\u1ec1 an to\u00e0n ng\u00e2n h\u00e0ng\", th\u00e1ng 6\/2026: <a href=\"https:\/\/luatvietnam.vn\/tai-chinh\/thong-tu-25-2026-tt-nhnn-sua-doi-thong-tu-22-2019-tt-nhnn-ve-an-toan-ngan-hang-438234-d1.html\" target=\"_blank\" rel=\"noopener\">luatvietnam.vn<\/a><\/li>\n\n\n\n<li>C\u1ed5ng Th\u00f4ng tin C\u00f4ng b\u00e1o Ch\u00ednh ph\u1ee7: to\u00e0n v\u0103n Th\u00f4ng t\u01b0 25\/2026\/TT-NHNN: <a href=\"https:\/\/congbao.chinhphu.vn\/van-ban\/thong-tu-so-25-2026-tt-nhnn-469825.htm\" target=\"_blank\" rel=\"noopener\">congbao.chinhphu.vn<\/a><\/li>\n\n\n\n<li>Tin Nhanh Ch\u1ee9ng Kho\u00e1n: \"Th\u00f4ng t\u01b0 25: Th\u00eam d\u01b0 \u0111\u1ecba cho ng\u00e2n h\u00e0ng, gi\u1ea3m \u00e1p l\u1ef1c l\u00e3i su\u1ea5t\", th\u00e1ng 6\/2026: <a href=\"https:\/\/www.tinnhanhchungkhoan.vn\/thong-tu-25-them-du-dia-cho-ngan-hang-giam-ap-luc-lai-suat-post392868.html\" target=\"_blank\" rel=\"noopener\">tinnhanhchungkhoan.vn<\/a><\/li>\n\n\n\n<li>CafeF: \"Nhi\u1ec1u c\u1ed5 phi\u1ebfu \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb quy \u0111\u1ecbnh m\u1edbi c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng\", th\u00e1ng 6\/2026: <a href=\"https:\/\/cafef.vn\/nhieu-co-phieu-duoc-huong-loi-tu-quy-dinh-moi-cua-nganh-ngan-hang-188260630212733737.chn\" target=\"_blank\" rel=\"noopener\">cafef.vn<\/a><\/li>\n\n\n\n<li>24H Money: \"Th\u00f4ng t\u01b0 25 ch\u1ec9 n\u1edbi nh\u1eb9 d\u00f2ng ti\u1ec1n: B\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 x\u00e2y d\u1ef1ng li\u1ec7u c\u00f3 \u0111\u1ee7 l\u1ef1c b\u1eadt l\u00ean?\", th\u00e1ng 6\/2026: <a href=\"https:\/\/24hmoney.vn\/news\/thong-tu-25-chi-noi-nhe-dong-tien-bat-dong-san-va-xay-dung-lieu-co-du-luc-bat-len-c4a2798850.html\" target=\"_blank\" rel=\"noopener\">24hmoney.vn<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Th\u00f4ng t\u01b0 25\/2026\/TT-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/7\/2026 n\u00e2ng tr\u1ea7n t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n t\u1eeb 30% l\u00ean 40%, m\u1edf ra kho\u1ea3ng 1.150.000 t\u1ef7 \u0111\u1ed3ng n\u0103ng l\u1ef1c t\u00edn d\u1ee5ng m\u1edbi. \u0110\u00e2y l\u00e0 \u0111i\u1ec1u \u0111\u00f3 c\u00f3 \u00fd ngh\u0129a g\u00ec v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>","protected":false},"author":19,"featured_media":2595,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_uag_custom_page_level_css":"","_swt_meta_header_display":false,"_swt_meta_footer_display":false,"_swt_meta_site_title_display":false,"_swt_meta_sticky_header":false,"_swt_meta_transparent_header":false,"footnotes":""},"categories":[19,82],"tags":[1744,1762,1765,1768,1753],"class_list":["post-2537","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","category-cong-nghe-vi","tag-fintech-viet-nam-vi","tag-quy-dinh-ngan-hang-vi","tag-thong-tu-25-2026-vi","tag-ty-le-thanh-khoan-vi","tag-w29-2026-vi"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise.jpg",1280,960,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise-300x225.jpg",300,225,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise-768x576.jpg",768,576,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise-1024x768.jpg",1024,768,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise.jpg",1280,960,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise.jpg",1280,960,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/07\/hcmc-skyline-sunrise-16x12.jpg",16,12,true]},"uagb_author_info":{"display_name":"DataCore Marketing","author_link":"https:\/\/blog.datacore.vn\/vi\/author\/datacore_marketing\/"},"uagb_comment_info":0,"uagb_excerpt":"Th\u00f4ng t\u01b0 25\/2026\/TT-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/7\/2026 n\u00e2ng tr\u1ea7n t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n t\u1eeb 30% l\u00ean 40%, m\u1edf ra kho\u1ea3ng 1.150.000 t\u1ef7 \u0111\u1ed3ng n\u0103ng l\u1ef1c t\u00edn d\u1ee5ng m\u1edbi. \u0110\u00e2y l\u00e0 \u0111i\u1ec1u \u0111\u00f3 c\u00f3 \u00fd ngh\u0129a g\u00ec v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0.","_links":{"self":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/2537","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/comments?post=2537"}],"version-history":[{"count":6,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/2537\/revisions"}],"predecessor-version":[{"id":2612,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/2537\/revisions\/2612"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media\/2595"}],"wp:attachment":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media?parent=2537"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/categories?post=2537"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/tags?post=2537"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}