{"id":3153,"date":"2026-08-04T00:12:23","date_gmt":"2026-08-03T17:12:23","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=3153"},"modified":"2026-08-05T10:41:39","modified_gmt":"2026-08-05T03:41:39","slug":"ty-le-ldr-tien-gui-kho-bac-viet-nam","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/ty-le-ldr-tien-gui-kho-bac-viet-nam\/","title":{"rendered":"T\u1ef7 L\u1ec7 LDR Ti\u1ec1n G\u1eedi Kho B\u1ea1c Vi\u1ec7t Nam: NHNN N\u00e2ng Tr\u1ea7n L\u00ean 50%"},"content":{"rendered":"

T\u00f3m t\u1eaft:<\/strong> Quy \u0111\u1ecbnh m\u1edbi v\u1ec1 t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc n\u00e2ng t\u1ef7 l\u1ec7 t\u00ednh ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc v\u00e0o t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR) t\u1eeb 20% l\u00ean 50%, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/8\/2026 \u0111\u1ebfn h\u1ebft ng\u00e0y 31\/7\/2028.<\/p>\n\n\n\n

Thay \u0111\u1ed5i n\u00e0y m\u1edf th\u00eam d\u01b0 \u0111\u1ecba cho vay t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh \u0111ang n\u1eafm gi\u1eef ph\u1ea7n l\u1edbn trong s\u1ed1 h\u01a1n 492.500 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi Kho b\u1ea1c, trong \u0111\u00f3 Vietcombank, BIDV v\u00e0 VietinBank ch\u1ecbu \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u nh\u1ea5t.<\/p>\n\n\n\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN), c\u01a1 quan qu\u1ea3n l\u00fd ti\u1ec1n t\u1ec7 qu\u1ed1c gia, v\u1eeba ban h\u00e0nh quy\u1ebft \u0111\u1ecbnh v\u1ec1 t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> l\u00e0m thay \u0111\u1ed5i c\u00e1ch c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u00ednh t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR), m\u1ed9t ch\u1ec9 s\u1ed1 thanh kho\u1ea3n c\u1ed1t l\u00f5i gi\u1edbi h\u1ea1n m\u1ee9c cho vay c\u1ee7a ng\u00e2n h\u00e0ng so v\u1edbi l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi h\u1ecd \u0111ang n\u1eafm gi\u1eef. K\u1ec3 t\u1eeb ng\u00e0y 1\/8\/2026, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e9p lo\u1ea1i tr\u1eeb t\u1edbi 50% s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc khi t\u00ednh t\u1ef7 l\u1ec7 n\u00e0y, t\u0103ng so v\u1edbi ng\u01b0\u1ee1ng 20% tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n\n\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed9i ng\u0169 t\u00e0i ch\u00ednh v\u00e0 ng\u01b0\u1eddi mua d\u1eef li\u1ec7u \u0111ang theo d\u00f5i ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, thay \u0111\u1ed5i t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u thanh kho\u1ea3n \u0111\u00e1ng ch\u00fa \u00fd b\u00ean c\u1ea1nh d\u1eef li\u1ec7u l\u1ee3i nhu\u1eadn theo qu\u00fd.<\/p>\n\n\n\n

\"T\u00f2a<\/figure>\n\n\n\n

Quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam thay \u0111\u1ed5i nh\u1eefng g\u00ec?<\/h2>\n\n\n\n

T\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR) \u0111o l\u01b0\u1eddng t\u1ed5ng d\u01b0 n\u1ee3 cho vay c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng so v\u1edbi t\u1ed5ng ti\u1ec1n g\u1eedi, v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd Vi\u1ec7t Nam \u00e1p tr\u1ea7n t\u1ef7 l\u1ec7 n\u00e0y \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng cho vay ph\u00f9 h\u1ee3p v\u1edbi ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng. Theo quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00e2y, ch\u1ec9 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 \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o ph\u1ea7n ti\u1ec1n g\u1eedi c\u1ee7a t\u1ef7 l\u1ec7 n\u00e0y.<\/p>\n\n\n\n

Quy\u1ebft \u0111\u1ecbnh m\u1edbi c\u1ee7a NHNN v\u1ec1 c\u00f4ng th\u1ee9c t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> n\u00e2ng m\u1ee9c kh\u1ea5u tr\u1eeb l\u00ean 50%, ngh\u0129a l\u00e0 m\u1ed9t ph\u1ea7n l\u1edbn h\u01a1n ti\u1ec1n g\u1eedi Kho b\u1ea1c c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 th\u00eam n\u0103ng l\u1ef1c cho vay m\u00e0 kh\u00f4ng vi ph\u1ea1m tr\u1ea7n LDR. T\u00ednh \u0111\u1ebfn ng\u00e0y 31\/12\/2025, Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc g\u1eedi h\u01a1n 492.500 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc, trong \u0111\u00f3 Vietcombank gi\u1eef h\u01a1n 136.000 t\u1ef7 \u0111\u1ed3ng, c\u00f2n BIDV v\u00e0 VietinBank l\u1ea7n l\u01b0\u1ee3t gi\u1eef kho\u1ea3ng 135.865 t\u1ef7 \u0111\u1ed3ng v\u00e0 134.625 t\u1ef7 \u0111\u1ed3ng.<\/p>\n\n\n\n

Quy \u0111\u1ecbnh c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/8\/2026 \u0111\u1ebfn h\u1ebft ng\u00e0y 31\/7\/2028, t\u1ea1o ra m\u1ed9t khung th\u1eddi gian hai n\u0103m r\u00f5 r\u00e0ng \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1ch \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c cho vay xoay quanh m\u1ee9c t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> m\u1edbi. C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ea7n l\u01b0u \u00fd \u0111\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec1u ch\u1ec9nh mang t\u00ednh k\u1ef9 thu\u1eadt \u0111\u1ed1i v\u1edbi c\u00e1ch t\u00ednh m\u1ed9t ch\u1ec9 s\u1ed1 hi\u1ec7n c\u00f3, kh\u00f4ng ph\u1ea3i l\u00e0 d\u00f2ng v\u1ed1n m\u1edbi hay ti\u1ec1n g\u1eedi m\u1edbi \u0111\u1ed5 v\u00e0o h\u1ec7 th\u1ed1ng.<\/p>\n\n\n\n

\"Tr\u1ee5<\/figure>\n\n\n\n

Ng\u00e2n h\u00e0ng n\u00e0o h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t t\u1eeb t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam?<\/h2>\n\n\n\n

C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc n\u1eafm gi\u1eef s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi Kho b\u1ea1c l\u1edbn nh\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t v\u1ec1 n\u0103ng l\u1ef1c cho vay kh\u1ea3 d\u1ee5ng theo quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> m\u1edbi. Vietcombank, BIDV v\u00e0 VietinBank \u0111\u1ec1u n\u1eafm gi\u1eef h\u01a1n 130.000 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c, n\u00ean vi\u1ec7c n\u00e2ng m\u1ee9c kh\u1ea5u tr\u1eeb t\u1eeb 20% l\u00ean 50% gi\u00fap m\u1edf r\u1ed9ng \u0111\u00e1ng k\u1ec3 ph\u1ea7n ti\u1ec1n g\u1eedi m\u00e0 m\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ghi nh\u1eadn cho m\u1ee5c \u0111\u00edch t\u00ednh LDR.<\/p>\n\n\n\n

Vietcombank l\u00e0 ng\u00e2n h\u00e0ng n\u1eafm gi\u1eef ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc l\u1edbn nh\u1ea5t, v\u1edbi h\u01a1n 136.000 t\u1ef7 \u0111\u1ed3ng t\u00ednh \u0111\u1ebfn cu\u1ed1i n\u0103m 2025. BIDV v\u00e0 VietinBank b\u00e1m s\u00e1t ph\u00eda sau, m\u1ed7i ng\u00e2n h\u00e0ng gi\u1eef tr\u00ean 134.000 t\u1ef7 \u0111\u1ed3ng.<\/p>\n\n\n\n

V\u00ec m\u1ee9c kh\u1ea5u tr\u1eeb theo t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> t\u1ef7 l\u1ec7 thu\u1eadn v\u1edbi quy m\u00f4 ti\u1ec1n g\u1eedi Kho b\u1ea1c c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng, ba ng\u00e2n h\u00e0ng n\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea7n d\u01b0 \u0111\u1ecba cho vay m\u1edbi kh\u00f4ng t\u01b0\u01a1ng x\u1ee9ng so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n nh\u1ecf h\u01a1n h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3 ho\u1eb7c c\u00f3 r\u1ea5t \u00edt ti\u1ec1n g\u1eedi Kho b\u1ea1c.<\/p>\n\n\n\n

NHNN \u0111i k\u00e8m quy \u0111\u1ecbnh n\u00e0y v\u1edbi m\u1ed9t y\u00eau c\u1ea7u gi\u00e1m s\u00e1t: c\u00e1c ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a Kho b\u1ea1c ph\u1ea3i ch\u1ee7 \u0111\u1ed9ng theo d\u00f5i v\u00e0 ki\u1ec3m so\u00e1t ch\u00eanh l\u1ec7ch v\u1ec1 quy m\u00f4 v\u00e0 k\u1ef3 h\u1ea1n gi\u1eefa ngu\u1ed3n v\u1ed1n n\u00e0y v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n, do ti\u1ec1n g\u1eedi Kho b\u1ea1c c\u00f3 th\u1ec3 k\u00e9m \u1ed5n \u0111\u1ecbnh h\u01a1n v\u1ec1 th\u1eddi \u0111i\u1ec3m so v\u1edbi ti\u1ec1n g\u1eedi b\u00e1n l\u1ebb.<\/p>\n\n\n\n

\u0110i\u1ec1u ki\u1ec7n n\u00e0y l\u00e0 s\u1ef1 th\u1eeba nh\u1eadn r\u00f5 r\u00e0ng r\u1eb1ng m\u1ee9c kh\u1ea5u tr\u1eeb theo t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t kho\u1ea3n thanh kho\u1ea3n mi\u1ec5n ph\u00ed; n\u00f3 \u0111i k\u00e8m ngh\u0129a v\u1ee5 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n - n\u1ee3 c\u1ee5 th\u1ec3.<\/p>\n\n\n\n

\"Chi<\/figure>\n\n\n\n

V\u00ec sao t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam quan tr\u1ecdng v\u1edbi ng\u01b0\u1eddi mua d\u1eef li\u1ec7u?<\/h2>\n\n\n\n

\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi mua d\u1eef li\u1ec7u doanh nghi\u1ec7p, nh\u00e0 ph\u00e2n t\u00edch ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c \u0111\u1ed9i t\u00edn d\u1ee5ng, m\u1ed9t gi\u1edbi h\u1ea1n LDR \u0111\u01b0\u1ee3c n\u1edbi l\u1ecfng l\u00e0 ch\u1ec9 b\u00e1o s\u1edbm cho kh\u1ea3 n\u0103ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng li\u00ean quan trong hai n\u0103m t\u1edbi.<\/p>\n\n\n\n

N\u00f3 c\u0169ng thay \u0111\u1ed5i c\u00e1ch d\u1eef li\u1ec7u thanh kho\u1ea3n ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u1ea7n \u0111\u01b0\u1ee3c di\u1ec5n gi\u1ea3i khi so s\u00e1nh theo qu\u00fd: t\u1ef7 l\u1ec7 LDR b\u00e1o c\u00e1o c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 tr\u00f4ng tho\u1ea3i m\u00e1i h\u01a1n sau th\u00e1ng 8\/2026 kh\u00f4ng ph\u1ea3i v\u00ec ti\u1ec1n g\u1eedi t\u0103ng, m\u00e0 v\u00ec b\u1ea3n th\u00e2n c\u00e1ch t\u00ednh t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> \u0111\u00e3 thay \u0111\u1ed5i.<\/p>\n\n\n\n

C\u00e1c \u0111\u1ed9i x\u00e2y d\u1ef1ng m\u00f4 h\u00ecnh r\u1ee7i ro t\u00edn d\u1ee5ng, b\u1ea3ng \u0111i\u1ec1u khi\u1ec3n ng\u00e0nh, hay ph\u00e2n t\u00edch d\u00e0nh cho nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1ec1 ng\u00e2n h\u00e0ng Vi\u1ec7t Nam n\u00ean \u0111\u00e1nh d\u1ea5u thay \u0111\u1ed5i t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> n\u00e0y nh\u01b0 m\u1ed9t \u0111i\u1ec3m g\u00e3y c\u1ea5u tr\u00fac trong chu\u1ed7i d\u1eef li\u1ec7u LDR, ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ed9t s\u1ef1 c\u1ea3i thi\u1ec7n thanh kho\u1ea3n th\u1ef1c s\u1ef1, khi so s\u00e1nh c\u00e1c giai \u0111o\u1ea1n tr\u01b0\u1edbc v\u00e0 sau th\u00e1ng 8\/2026. B\u1ecf qua \u0111i\u1ec1u ch\u1ec9nh n\u00e0y c\u00f3 th\u1ec3 khi\u1ebfn m\u00f4 h\u00ecnh \u0111\u00e1nh gi\u00e1 qu\u00e1 cao s\u1ee9c m\u1ea1nh v\u1ed1n th\u1ef1c s\u1ef1 c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

Lo\u1ea1i si\u00eau d\u1eef li\u1ec7u quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0y ch\u00ednh l\u00e0 nh\u1eefng g\u00ec D\u1ecbch v\u1ee5 Company Intelligence<\/a> c\u1ee7a DataCore theo d\u00f5i song song v\u1edbi d\u1eef li\u1ec7u b\u00e1o c\u00e1o t\u00e0i ch\u00ednh, gi\u00fap c\u00e1c nh\u00e0 ph\u00e2n t\u00edch kh\u00f4ng ph\u1ea3i t\u1ef1 t\u00e1i d\u1ef1ng d\u00f2ng th\u1eddi gian ch\u00ednh s\u00e1ch t\u1eeb c\u00e1c th\u00f4ng c\u00e1o b\u00e1o ch\u00ed. D\u1eef li\u1ec7u ch\u00fa th\u00edch ch\u00ednh s\u00e1ch c\u00f3 c\u1ea5u tr\u00fac v\u00e0 ghi r\u00f5 ng\u00e0y th\u00e1ng gi\u00fap ph\u00e2n bi\u1ec7t m\u1ed9t thay \u0111\u1ed5i th\u1ef1c s\u1ef1 trong n\u1ec1n t\u1ea3ng ng\u00e2n h\u00e0ng v\u1edbi m\u1ed9t thay \u0111\u1ed5i trong c\u00e1ch \u0111o l\u01b0\u1eddng m\u1ed9t ch\u1ec9 s\u1ed1.<\/p>\n\n\n\n

\"\u0110\u01b0\u1eddng<\/figure>\n\n\n\n

Nh\u00e0 ph\u00e2n t\u00edch n\u00ean theo d\u00f5i d\u1eef li\u1ec7u t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n

K\u1ec3 t\u1eeb \u0111\u00e2y, b\u1ea5t k\u1ef3 ai theo d\u00f5i thanh kho\u1ea3n ng\u00e2n h\u00e0ng Vi\u1ec7t Nam n\u00ean xem ng\u00e0y 1\/8\/2026 l\u00e0 m\u1ed9t m\u1ed1c c\u1eaft c\u1ee9ng trong b\u1ea5t k\u1ef3 chu\u1ed7i d\u1eef li\u1ec7u LDR n\u00e0o. So s\u00e1nh t\u1ef7 l\u1ec7 LDR c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng v\u00e0o th\u00e1ng 7\/2026 v\u1edbi t\u1ef7 l\u1ec7 LDR v\u00e0o th\u00e1ng 9\/2026 m\u00e0 kh\u00f4ng \u0111i\u1ec1u ch\u1ec9nh theo quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> m\u1edbi s\u1ebd t\u1ea1o ra m\u1ed9t \u0111\u01b0\u1eddng xu h\u01b0\u1edbng g\u00e2y hi\u1ec3u l\u1ea7m, tr\u00f4ng gi\u1ed1ng nh\u01b0 c\u1ea3i thi\u1ec7n thanh kho\u1ea3n trong khi th\u1ef1c ch\u1ea5t ch\u1ec9 l\u00e0 thay \u0111\u1ed5i \u0111\u1ecbnh ngh\u0129a.<\/p>\n\n\n\n

V\u00ec quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> k\u00e9o d\u00e0i \u0111\u1ebfn h\u1ebft ng\u00e0y 31\/7\/2028, c\u0169ng n\u00ean \u0111\u1eb7t l\u1ecbch nh\u1eafc nh\u1edf t\u1eeb tr\u01b0\u1edbc th\u1eddi \u0111i\u1ec3m h\u1ebft h\u1ea1n n\u00e0y. N\u1ebfu NHNN \u0111\u1ec3 m\u1ee9c kh\u1ea5u tr\u1eeb quay v\u1ec1 20%, t\u1ef7 l\u1ec7 LDR b\u00e1o c\u00e1o t\u1ea1i Vietcombank, BIDV v\u00e0 VietinBank c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng th\u1eaft ch\u1eb7t tr\u1edf l\u1ea1i d\u00f9 kh\u00f4ng c\u00f3 g\u00ec kh\u00e1c thay \u0111\u1ed5i trong b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n c\u1ee7a h\u1ecd.<\/p>\n\n\n\n

Quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam so v\u1edbi c\u00e1c bi\u1ec7n ph\u00e1p thanh kho\u1ea3n tr\u01b0\u1edbc \u0111\u00e2y?<\/h2>\n\n\n\n

C\u01a1 quan qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u1eebng s\u1eed d\u1ee5ng c\u00e1c \u0111i\u1ec1u ch\u1ec9nh li\u00ean quan \u0111\u1ebfn LDR \u0111\u1ec3 qu\u1ea3n l\u00fd thanh kho\u1ea3n h\u1ec7 th\u1ed1ng m\u00e0 kh\u00f4ng tr\u1ef1c ti\u1ebfp thay \u0111\u1ed5i l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh. C\u00e1c bi\u1ec7n ph\u00e1p tr\u01b0\u1edbc \u0111\u00e2y t\u1eadp trung v\u00e0o nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf v\u00e0 t\u00e1i c\u1ea5p v\u1ed1n c\u00f3 m\u1ee5c ti\u00eau, trong khi thay \u0111\u1ed5i t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> hi\u1ec7n t\u1ea1i t\u00e1c \u0111\u1ed9ng qua m\u1eabu s\u1ed1 c\u1ee7a m\u1ed9t t\u1ef7 l\u1ec7 an to\u00e0n c\u1ee5 th\u1ec3.<\/p>\n\n\n\n

\u0110\u00e2y l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 h\u1eb9p v\u00e0 tinh vi h\u01a1n: n\u00f3 ch\u1ec9 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi Kho b\u1ea1c \u0111\u00e1ng k\u1ec3, thay v\u00ec to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng.<\/p>\n\n\n\n

C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n nh\u1ecf h\u01a1n v\u1edbi \u00edt ho\u1eb7c kh\u00f4ng c\u00f3 ti\u1ec1n g\u1eedi Kho b\u1ea1c s\u1ebd g\u1ea7n nh\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i tr\u1ef1c ti\u1ebfp t\u1eeb m\u1ee9c t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> m\u1edbi, d\u00f9 h\u1ecd v\u1eabn c\u1ea1nh tranh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh trong c\u00f9ng ph\u00e2n kh\u00fac cho vay doanh nghi\u1ec7p v\u00e0 b\u00e1n l\u1ebb. Trong hai n\u0103m t\u1edbi, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u00e2m th\u1ea7m thay \u0111\u1ed5i \u0111\u1ed9ng l\u1ef1c c\u1ea1nh tranh \u1edf c\u00e1c ph\u00e2n kh\u00fac nh\u01b0 cho vay h\u1ea1 t\u1ea7ng v\u00e0 t\u00edn d\u1ee5ng doanh nghi\u1ec7p l\u1edbn.<\/p>\n\n\n\n

C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n\n\n\n

Quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c khi n\u00e0o?<\/h3>\n\n\n

Quy \u0111\u1ecbnh c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/8\/2026 v\u00e0 k\u00e9o d\u00e0i \u0111\u1ebfn h\u1ebft ng\u00e0y 31\/7\/2028, theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam.<\/p>\n\n\n\n

Tr\u01b0\u1edbc \u0111\u00e2y t\u1ef7 l\u1ec7 kh\u1ea5u tr\u1eeb ti\u1ec1n g\u1eedi Kho b\u1ea1c trong LDR l\u00e0 bao nhi\u00eau?<\/h3>\n\n\n

Tr\u01b0\u1edbc \u0111\u00e2y, c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c 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 ph\u1ea7n ti\u1ec1n g\u1eedi khi t\u00ednh LDR; quy \u0111\u1ecbnh m\u1edbi n\u00e2ng m\u1ee9c n\u00e0y l\u00ean 50%.<\/p>\n\n\n\n

Ng\u00e2n h\u00e0ng n\u00e0o \u0111ang gi\u1eef nhi\u1ec1u ti\u1ec1n g\u1eedi Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc nh\u1ea5t?<\/h3>\n\n\n

T\u00ednh \u0111\u1ebfn ng\u00e0y 31\/12\/2025, Vietcombank gi\u1eef s\u1ed1 d\u01b0 l\u1edbn nh\u1ea5t v\u1edbi h\u01a1n 136.000 t\u1ef7 \u0111\u1ed3ng, ti\u1ebfp theo l\u00e0 BIDV v\u1edbi kho\u1ea3ng 135.865 t\u1ef7 \u0111\u1ed3ng v\u00e0 VietinBank v\u1edbi kho\u1ea3ng 134.625 t\u1ef7 \u0111\u1ed3ng.<\/p>\n\n\n\n

Thay \u0111\u1ed5i t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam c\u00f3 ngh\u0129a l\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u00eam thanh kho\u1ea3n kh\u00f4ng?<\/h3>\n\n\n

Kh\u00f4ng h\u1eb3n. N\u00f3 ch\u1ec9 thay \u0111\u1ed5i c\u00e1ch t\u00ednh ti\u1ec1n g\u1eedi Kho b\u1ea1c hi\u1ec7n c\u00f3 trong c\u00f4ng th\u1ee9c LDR, gi\u00fap m\u1edf r\u1ed9ng d\u01b0 \u0111\u1ecba cho vay, nh\u01b0ng NHNN c\u0169ng y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng ch\u1ee7 \u0111\u1ed9ng theo d\u00f5i ch\u00eanh l\u1ec7ch k\u1ef3 h\u1ea1n v\u00e0 ngu\u1ed3n v\u1ed1n li\u00ean quan \u0111\u1ebfn kho\u1ea3n ti\u1ec1n g\u1eedi n\u00e0y.<\/p>\n\n\n\n

C\u00e1c \u0111\u1ed9i d\u1eef li\u1ec7u theo d\u00f5i nh\u1eefng thay \u0111\u1ed5i quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0y song song v\u1edbi d\u1eef li\u1ec7u t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng theo th\u1eddi gian th\u1ef1c c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng b\u00e0i ph\u00e2n t\u00edch l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng Vi\u1ec7t Nam<\/a> v\u00e0 b\u00e0i ph\u00e2n t\u00edch t\u00e1c \u0111\u1ed9ng l\u00e3i su\u1ea5t Fed<\/a> c\u1ee7a DataCore \u0111\u1ec3 th\u1ea5y ch\u00ednh s\u00e1ch thanh kho\u1ea3n v\u00e0 xu h\u01b0\u1edbng l\u1ee3i nhu\u1eadn giao thoa ra sao trong chu k\u1ef3 n\u00e0y.<\/p>\n\n\n\n

T\u00e1c \u0111\u1ed9ng c\u1ee7a t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam \u0111\u1ebfn chi ph\u00ed v\u1ed1n ng\u00e2n h\u00e0ng<\/h2>\n\n\n\n

M\u1ed9t kh\u00eda c\u1ea1nh \u00edt \u0111\u01b0\u1ee3c ch\u00fa \u00fd c\u1ee7a quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> l\u00e0 t\u00e1c \u0111\u1ed9ng gi\u00e1n ti\u1ebfp \u0111\u1ebfn chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh. Khi m\u1ed9t ph\u1ea7n l\u1edbn h\u01a1n ti\u1ec1n g\u1eedi Kho b\u1ea1c \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o c\u01a1 s\u1edf ti\u1ec1n g\u1eedi cho m\u1ee5c \u0111\u00edch LDR, ng\u00e2n h\u00e0ng c\u00f3 th\u00eam d\u01b0 \u0111\u1ecba \u0111\u1ec3 huy \u0111\u1ed9ng th\u00eam ti\u1ec1n g\u1eedi kh\u00e1ch h\u00e0ng ho\u1eb7c ph\u00e1t h\u00e0nh th\u00eam t\u00edn d\u1ee5ng m\u00e0 kh\u00f4ng ph\u1ea3i t\u0103ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111\u1ec3 thu h\u00fat v\u1ed1n m\u1edbi.<\/p>\n\n\n\n

\u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m \u00e1p l\u1ef1c c\u1ea1nh tranh l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh v\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n trong ng\u1eafn h\u1ea1n, \u0111\u1eb7c bi\u1ec7t trong b\u1ed1i c\u1ea3nh nhu c\u1ea7u t\u00edn d\u1ee5ng c\u1ee7a n\u1ec1n kinh t\u1ebf \u0111ang ph\u1ee5c h\u1ed3i. Tuy nhi\u00ean, hi\u1ec7u \u1ee9ng n\u00e0y ch\u1ec9 mang t\u00ednh t\u1ea1m th\u1eddi trong khung th\u1eddi gian hai n\u0103m c\u1ee7a quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong>, v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn c\u1ea7n chi\u1ebfn l\u01b0\u1ee3c huy \u0111\u1ed9ng v\u1ed1n d\u00e0i h\u1ea1n kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o ti\u1ec1n g\u1eedi Kho b\u1ea1c.<\/p>\n\n\n\n

Doanh nghi\u1ec7p d\u1eef li\u1ec7u n\u00ean chu\u1ea9n b\u1ecb g\u00ec tr\u01b0\u1edbc thay \u0111\u1ed5i t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam?<\/h2>\n\n\n\n

C\u00e1c doanh nghi\u1ec7p cung c\u1ea5p d\u1eef li\u1ec7u t\u00e0i ch\u00ednh v\u00e0 ph\u00e2n t\u00edch ng\u00e0nh ng\u00e2n h\u00e0ng n\u00ean c\u1eadp nh\u1eadt m\u00f4 h\u00ecnh d\u1eef li\u1ec7u c\u1ee7a m\u00ecnh \u0111\u1ec3 ph\u1ea3n \u00e1nh \u0111\u00fang b\u1ea3n ch\u1ea5t c\u1ee7a thay \u0111\u1ed5i t\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam<\/strong> n\u00e0y. C\u1ee5 th\u1ec3, c\u1ea7n th\u00eam m\u1ed9t tr\u01b0\u1eddng si\u00eau d\u1eef li\u1ec7u \u0111\u00e1nh d\u1ea5u ng\u00e0y 1\/8\/2026 l\u00e0 \u0111i\u1ec3m thay \u0111\u1ed5i \u0111\u1ecbnh ngh\u0129a trong chu\u1ed7i th\u1eddi gian LDR, t\u01b0\u01a1ng t\u1ef1 c\u00e1ch c\u00e1c nh\u00e0 cung c\u1ea5p d\u1eef li\u1ec7u qu\u1ed1c t\u1ebf x\u1eed l\u00fd thay \u0111\u1ed5i chu\u1ea9n k\u1ebf to\u00e1n ho\u1eb7c thay \u0111\u1ed5i ph\u01b0\u01a1ng ph\u00e1p lu\u1eadn th\u1ed1ng k\u00ea.<\/p>\n\n\n\n

Vi\u1ec7c n\u00e0y gi\u00fap kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1eef li\u1ec7u tr\u00e1nh \u0111\u01b0\u1ee3c sai l\u1ea7m ph\u1ed5 bi\u1ebfn l\u00e0 so s\u00e1nh tr\u1ef1c ti\u1ebfp c\u00e1c con s\u1ed1 LDR tr\u01b0\u1edbc v\u00e0 sau thay \u0111\u1ed5i m\u00e0 kh\u00f4ng hi\u1ec3u r\u00f5 nguy\u00ean nh\u00e2n k\u1ef9 thu\u1eadt \u0111\u1eb1ng sau s\u1ef1 thay \u0111\u1ed5i \u0111\u00f3, t\u1eeb \u0111\u00f3 \u0111\u01b0a ra k\u1ebft lu\u1eadn sai v\u1ec1 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh th\u1ef1c s\u1ef1 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng li\u00ean quan.<\/p>","protected":false},"excerpt":{"rendered":"

T\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam t\u0103ng t\u1eeb 20% l\u00ean 50% t\u1eeb 1\/8\/2026, m\u1edf th\u00eam d\u01b0 \u0111\u1ecba cho vay t\u1ea1i Vietcombank, BIDV v\u00e0 VietinBank theo quy\u1ebft \u0111\u1ecbnh m\u1edbi c\u1ee7a NHNN.<\/p>","protected":false},"author":5,"featured_media":3145,"comment_status":"open","ping_status":"open","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":[2353,2176,968,697],"class_list":["post-3153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","category-cong-nghe-vi","tag-chinh-sach-tien-te-vi","tag-kinh-te-viet-nam-2026-vi","tag-nhnn-vi","tag-ngan-hang-viet-nam-vi"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-ldr-treasury-datacore.jpg",1280,720,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-ldr-treasury-datacore-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-ldr-treasury-datacore-300x169.jpg",300,169,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-ldr-treasury-datacore-768x432.jpg",768,432,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-ldr-treasury-datacore-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-ldr-treasury-datacore.jpg",1280,720,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-ldr-treasury-datacore.jpg",1280,720,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-ldr-treasury-datacore-18x10.jpg",18,10,true]},"uagb_author_info":{"display_name":"Mike","author_link":"https:\/\/blog.datacore.vn\/vi\/author\/mike\/"},"uagb_comment_info":0,"uagb_excerpt":"T\u1ef7 l\u1ec7 LDR ti\u1ec1n g\u1eedi Kho b\u1ea1c Vi\u1ec7t Nam t\u0103ng t\u1eeb 20% l\u00ean 50% t\u1eeb 1\/8\/2026, m\u1edf th\u00eam d\u01b0 \u0111\u1ecba cho vay t\u1ea1i Vietcombank, BIDV v\u00e0 VietinBank theo quy\u1ebft \u0111\u1ecbnh m\u1edbi c\u1ee7a NHNN.","_links":{"self":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/3153","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/comments?post=3153"}],"version-history":[{"count":2,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/3153\/revisions"}],"predecessor-version":[{"id":3299,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/3153\/revisions\/3299"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media\/3145"}],"wp:attachment":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media?parent=3153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/categories?post=3153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/tags?post=3153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}