{"id":3720,"date":"2026-08-08T09:34:26","date_gmt":"2026-08-08T02:34:26","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=3720"},"modified":"2026-08-08T09:34:48","modified_gmt":"2026-08-08T02:34:48","slug":"du-lieu-ngan-hang-viet-nam-2026","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/du-lieu-ngan-hang-viet-nam-2026\/","title":{"rendered":"D\u1eef Li\u1ec7u Ng\u00e2n H\u00e0ng Vi\u1ec7t Nam: V\u00ec Sao H\u01a1n 1.100 Nh\u00e2n S\u1ef1 Ng\u00e2n H\u00e0ng Qu\u1ed1c Doanh Ngh\u1ec9 Vi\u1ec7c N\u0103m 2026"},"content":{"rendered":"

T\u00f3m t\u1eaft:<\/strong> D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f4ng b\u1ed1 tu\u1ea7n n\u00e0y cho th\u1ea5y Agribank, BIDV, VietinBank v\u00e0 Vietcombank \u0111\u00e3 c\u1eaft gi\u1ea3m t\u1ed5ng c\u1ed9ng h\u01a1n 1.100 nh\u00e2n s\u1ef1 trong n\u1eeda \u0111\u1ea7u n\u0103m 2026. D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam cho th\u1ea5y \u0111\u00e2y l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a, kh\u00f4ng ph\u1ea3i d\u1ea5u hi\u1ec7u suy tho\u00e1i ng\u00e0nh.<\/p>\n\n\n\n

D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam m\u1edbi nh\u1ea5t ghi nh\u1eadn m\u1ee9c gi\u1ea3m h\u01a1n 1. 100 nh\u00e2n vi\u00ean t\u1ea1i b\u1ed1n ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n nh\u00e0 n\u01b0\u1edbc trong s\u00e1u th\u00e1ng \u0111\u1ea7u n\u0103m 2026. Tho\u1ea1t nh\u00ecn, vi\u1ec7c c\u1eaft gi\u1ea3m nh\u00e2n s\u1ef1 t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ea7m quan tr\u1ecdng h\u1ec7 th\u1ed1ng c\u00f3 th\u1ec3 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi lo ng\u1ea1i.<\/p>\n\n\n\n

Nh\u01b0ng khi \u0111i s\u00e2u v\u00e0o d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, b\u1ee9c tranh l\u1ea1i kh\u00e1c h\u1eb3n: vi\u1ec7c s\u00e1p nh\u1eadp chi nh\u00e1nh, m\u1edf r\u1ed9ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng t\u1ef1 ph\u1ee5c v\u1ee5 v\u00e0 \u1ee9ng d\u1ee5ng AI trong x\u1eed l\u00fd nghi\u1ec7p v\u1ee5 h\u1eadu ki\u1ec3m \u0111ang \u0111\u1ea3m nh\u1eadn ph\u1ea7n l\u1edbn c\u00f4ng vi\u1ec7c m\u00e0 tr\u01b0\u1edbc \u0111\u00e2y do giao d\u1ecbch vi\u00ean v\u00e0 c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n th\u1ee7 c\u00f4ng. \u0110\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 b\u00ean mua d\u1eef li\u1ec7u doanh nghi\u1ec7p \u0111ang theo d\u00f5i d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, xu h\u01b0\u1edbng nh\u00e2n s\u1ef1 n\u00e0y th\u1ef1c ch\u1ea5t ph\u1ea3n \u00e1nh t\u1ed1c \u0111\u1ed9 tr\u01b0\u1edfng th\u00e0nh c\u1ee7a h\u1ea1 t\u1ea7ng ng\u00e2n h\u00e0ng s\u1ed1 tr\u00ean to\u00e0n th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n

\"D\u1eef<\/figure>\n\n\n\n

D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam n\u00f3i g\u00ec v\u1ec1 \u0111\u1ee3t c\u1eaft gi\u1ea3m nh\u00e2n s\u1ef1 2026?<\/h2>\n\n\n\n

Agribank (Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n N\u00f4ng th\u00f4n Vi\u1ec7t Nam), BIDV (Ng\u00e2n h\u00e0ng \u0110\u1ea7u t\u01b0 v\u00e0 Ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam), VietinBank (Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n C\u00f4ng Th\u01b0\u01a1ng Vi\u1ec7t Nam) v\u00e0 Vietcombank (Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam) c\u00f9ng nhau s\u1eed d\u1ee5ng h\u00e0ng tr\u0103m ngh\u00ecn nh\u00e2n vi\u00ean t\u1ea1i h\u00e0ng ngh\u00ecn chi nh\u00e1nh tr\u00ean c\u1ea3 n\u01b0\u1edbc. M\u1ee9c gi\u1ea3m h\u01a1n 1.<\/p>\n\n\n\n

100 v\u1ecb tr\u00ed trong s\u00e1u th\u00e1ng l\u00e0 con s\u1ed1 nh\u1ecf so v\u1edbi t\u1ed5ng nh\u00e2n s\u1ef1, nh\u01b0ng xu h\u01b0\u1edbng m\u1edbi l\u00e0 \u0111i\u1ec1u \u0111\u00e1ng ch\u00fa \u00fd. Vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u n\u1ed9i b\u1ed9 t\u1ea1i c\u1ea3 b\u1ed1n ng\u00e2n h\u00e0ng t\u1eadp trung v\u00e0o s\u00e1p nh\u1eadp c\u00e1c chi nh\u00e1nh tr\u00f9ng l\u1eb7p t\u1ea1i \u0111\u00f4 th\u1ecb, m\u1edf r\u1ed9ng m\u1edf t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn v\u00e0 chuy\u1ec3n c\u00e1c giao d\u1ecbch th\u00f4ng th\u01b0\u1eddng sang \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng v\u00e0 ATM.<\/p>\n\n\n\n

D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u1eeb c\u00e1c b\u00e1o c\u00e1o nh\u00e2n s\u1ef1 v\u00e0 c\u00f4ng b\u1ed1 c\u00f4ng khai cho th\u1ea5y \u0111\u00e2y l\u00e0 xu h\u01b0\u1edbng di\u1ec5n ra trong nhi\u1ec1u n\u0103m ch\u1ee9 kh\u00f4ng ph\u1ea3i s\u1ef1 ki\u1ec7n \u0111\u01a1n l\u1ebb, khi c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh c\u1eaft gi\u1ea3m nh\u00e2n s\u1ef1 tuy\u1ebfn \u0111\u1ea7u nh\u01b0ng v\u1eabn ti\u1ebfp t\u1ee5c tuy\u1ec3n d\u1ee5ng \u1edf m\u1ea3ng c\u00f4ng ngh\u1ec7, qu\u1ea3n tr\u1ecb r\u1ee7i ro v\u00e0 d\u1eef li\u1ec7u. Xem x\u00e9t d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u1edf c\u1ea5p \u0111\u1ed9 t\u1eebng ng\u00e2n h\u00e0ng cho th\u1ea5y s\u1ef1 kh\u00e1c bi\u1ec7t: nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u00e3 ho\u00e0n t\u1ea5t n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00f5i th\u01b0\u1eddng c\u00f3 m\u1ee9c gi\u1ea3m nh\u00e2n s\u1ef1 tuy\u1ebfn \u0111\u1ea7u r\u00f5 r\u1ec7t h\u01a1n, \u0111i k\u00e8m t\u0103ng tr\u01b0\u1edfng nh\u00e2n s\u1ef1 c\u00f4ng ngh\u1ec7 v\u00e0 khoa h\u1ecdc d\u1eef li\u1ec7u.<\/p>\n\n\n\n

\"D\u1eef<\/figure>\n\n\n\n

V\u00ec sao d\u1eef li\u1ec7u nh\u00e2n s\u1ef1 c\u1ea5p chi nh\u00e1nh quan tr\u1ecdng v\u1edbi t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh?<\/h2>\n\n\n\n

S\u1ed1 li\u1ec7u nh\u00e2n s\u1ef1 l\u00e0 ch\u1ec9 b\u00e1o s\u1edbm m\u00e0 c\u00e1c b\u00ean mua d\u1eef li\u1ec7u doanh nghi\u1ec7p s\u1eed d\u1ee5ng c\u00f9ng v\u1edbi s\u1ed1 l\u01b0\u1ee3ng chi nh\u00e1nh, t\u0103ng tr\u01b0\u1edfng d\u01b0 n\u1ee3 v\u00e0 m\u1ee9c \u0111\u1ed9 \u00e1p d\u1ee5ng s\u1ed1 h\u00f3a \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 v\u1eadn h\u00e0nh c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng. M\u1ed9t ng\u00e2n h\u00e0ng c\u1eaft gi\u1ea3m nh\u00e2n s\u1ef1 trong khi v\u1eabn duy tr\u00ec ho\u1eb7c t\u0103ng tr\u01b0\u1edfng danh m\u1ee5c cho vay th\u01b0\u1eddng \u0111ang chuy\u1ec3n \u0111\u1ed5i chi ph\u00ed lao \u0111\u1ed9ng sang chi ph\u00ed c\u00f4ng ngh\u1ec7, xu h\u01b0\u1edbng n\u00e0y th\u1ec3 hi\u1ec7n r\u00f5 khi d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u01b0\u1ee3c theo d\u00f5i qua nhi\u1ec1u qu\u00fd thay v\u00ec ch\u1ec9 m\u1ed9t th\u1eddi \u0111i\u1ec3m.<\/p>\n\n\n\n

T\u1ef1 \u0111\u1ed9ng h\u00f3a \u0111ang thay \u0111\u1ed5i ng\u00e2n h\u00e0ng qu\u1ed1c doanh Vi\u1ec7t Nam nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n

T\u1ef1 \u0111\u1ed9ng h\u00f3a trong c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh Vi\u1ec7t Nam \u0111ang \u0111i theo l\u1ed9 tr\u00ecnh quen thu\u1ed9c tr\u00ean to\u00e0n c\u1ea7u: t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh b\u1eb1ng robot cho kh\u00e2u \u0111\u1ed1i chi\u1ebfu h\u1eadu ki\u1ec3m, ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng b\u1eb1ng AI \u0111\u1ec3 \u0111\u1ea9y nhanh quy\u1ebft \u0111\u1ecbnh cho vay, v\u00e0 chatbot h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng cho c\u00e1c y\u00eau c\u1ea7u th\u00f4ng th\u01b0\u1eddng. L\u00e3nh \u0111\u1ea1o Vietcombank t\u1eebng c\u00f4ng khai chia s\u1ebb v\u1ec1 gi\u1edbi h\u1ea1n c\u1ee7a khung qu\u1ea3n tr\u1ecb r\u1ee7i ro truy\u1ec1n th\u1ed1ng khi \u00e1p d\u1ee5ng cho c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n m\u1edbi, cho th\u1ea5y c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y \u0111ang \u0111\u1ed3ng th\u1eddi xem x\u00e9t l\u1ea1i c\u1ea3 nh\u00e2n s\u1ef1 l\u1eabn m\u00f4 h\u00ecnh r\u1ee7i ro.<\/p>\n\n\n\n

\"D\u1eef<\/figure>\n\n\n\n

Khi t\u1ef1 \u0111\u1ed9ng h\u00f3a ng\u00e0y c\u00e0ng ho\u00e0n thi\u1ec7n, d\u1eef li\u1ec7u nh\u00e2n s\u1ef1 theo t\u1eebng ng\u00e2n h\u00e0ng v\u00e0 t\u1eebng qu\u00fd s\u1ebd tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng t\u00edn hi\u1ec7u \u0111\u00e1ng tin c\u1eady nh\u1ea5t \u0111\u1ec3 nh\u1eadn bi\u1ebft t\u1ed5 ch\u1ee9c n\u00e0o \u0111ang d\u1eabn \u0111\u1ea7u qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1. D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u1ec1 nh\u00e2n s\u1ef1, khi k\u1ebft h\u1ee3p v\u1edbi d\u1eef li\u1ec7u m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh v\u00e0 kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch s\u1ed1, cho b\u1ee9c tranh \u0111\u1ea7y \u0111\u1ee7 h\u01a1n nhi\u1ec1u so v\u1edbi ch\u1ec9 m\u1ed9t ch\u1ec9 s\u1ed1 \u0111\u01a1n l\u1ebb.<\/p>\n\n\n\n

Nh\u00e0 ph\u00e2n t\u00edch k\u1ebft h\u1ee3p d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u1edbi b\u00e1o c\u00e1o t\u00e0i ch\u00ednh theo qu\u00fd c\u00f3 th\u1ec3 nh\u1eadn ra ng\u00e2n h\u00e0ng n\u00e0o th\u1ef1c s\u1ef1 c\u1ea3i thi\u1ec7n t\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp nh\u1edd c\u00f4ng ngh\u1ec7, so v\u1edbi ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n \u0111\u00f3ng b\u0103ng tuy\u1ec3n d\u1ee5ng.<\/p>\n\n\n\n

Nh\u00e0 ph\u00e2n t\u00edch n\u00ean theo d\u00f5i g\u00ec ti\u1ebfp theo trong d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam?<\/h2>\n\n\n\n

Hai qu\u00fd t\u1edbi c\u1ee7a d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam s\u1ebd cho th\u1ea5y li\u1ec7u xu h\u01b0\u1edbng nh\u00e2n s\u1ef1 hi\u1ec7n t\u1ea1i c\u00f3 ti\u1ebfp t\u1ee5c v\u1edbi t\u1ed1c \u0111\u1ed9 t\u01b0\u01a1ng t\u1ef1 hay t\u0103ng t\u1ed1c khi nhi\u1ec1u ng\u00e2n h\u00e0ng qu\u1ed1c doanh ho\u00e0n t\u1ea5t n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng l\u00f5i. Nh\u00e0 ph\u00e2n t\u00edch n\u00ean theo d\u00f5i ba y\u1ebfu t\u1ed1: tuy\u1ec3n d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0 d\u1eef li\u1ec7u c\u00f3 theo k\u1ecbp c\u1eaft gi\u1ea3m tuy\u1ebfn \u0111\u1ea7u hay kh\u00f4ng, vi\u1ec7c \u0111\u00f3ng chi nh\u00e1nh t\u1eadp trung \u1edf t\u1ec9nh th\u00e0nh n\u00e0o hay d\u00e0n tr\u1ea3i, v\u00e0 li\u1ec7u c\u00e1c ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n quy m\u00f4 nh\u1ecf h\u01a1n c\u00f3 xu\u1ea5t hi\u1ec7n xu h\u01b0\u1edbng t\u01b0\u01a1ng t\u1ef1 b\u1ed1n ng\u00e2n h\u00e0ng qu\u1ed1c doanh l\u1edbn hay kh\u00f4ng.<\/p>\n\n\n\n

D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u01b0\u1ee3c thu th\u1eadp nh\u1ea5t qu\u00e1n gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c, thay v\u00ec ch\u1eafp v\u00e1 t\u1eeb c\u00e1c th\u00f4ng c\u00e1o b\u00e1o ch\u00ed r\u1eddi r\u1ea1c, m\u1edbi l\u00e0 y\u1ebfu t\u1ed1 gi\u00fap vi\u1ec7c so s\u00e1nh theo qu\u00fd tr\u1edf n\u00ean kh\u1ea3 thi. C\u00e1c doanh nghi\u1ec7p x\u00e2y d\u1ef1ng m\u00f4 h\u00ecnh r\u1ee7i ro t\u00edn d\u1ee5ng, th\u1ef1c hi\u1ec7n th\u1ea9m \u0111\u1ecbnh ng\u00e0nh hay t\u01b0 v\u1ea5n M&A t\u00e0i ch\u00ednh \u0111\u1ec1u c\u1ea7n m\u1ed9t ngu\u1ed3n d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam duy nh\u1ea5t, \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c, thay v\u00ec ph\u1ea3i \u0111\u1ed1i chi\u1ebfu s\u1ed1 li\u1ec7u t\u1eeb h\u00e0ng ch\u1ee5c c\u00f4ng b\u1ed1 ri\u00eang l\u1ebb.<\/p>\n\n\n\n

\"D\u1eef<\/figure>\n\n\n\n

So v\u1edbi xu h\u01b0\u1edbng t\u1ef1 \u0111\u1ed9ng h\u00f3a ng\u00e2n h\u00e0ng to\u00e0n c\u1ea7u th\u00ec sao?<\/h2>\n\n\n\n

D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u1ec1 c\u1eaft gi\u1ea3m nh\u00e2n s\u1ef1 ph\u1ea3n \u00e1nh m\u00f4 h\u00ecnh \u0111\u00e3 xu\u1ea5t hi\u1ec7n t\u1ea1i c\u00e1c th\u1ecb tr\u01b0\u1eddng ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n h\u01a1n. T\u1ea1i M\u1ef9 v\u00e0 m\u1ed9t ph\u1ea7n ch\u00e2u \u00c2u, c\u00e1c ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb l\u1edbn \u0111\u00e3 d\u00e0nh c\u1ea3 th\u1eadp k\u1ef7 \u0111\u1ec3 \u0111\u00f3ng chi nh\u00e1nh v\u00e0 chuy\u1ec3n nh\u00e2n s\u1ef1 t\u1eeb vai tr\u00f2 giao d\u1ecbch vi\u00ean, h\u00e0nh ch\u00ednh sang c\u00f4ng ngh\u1ec7, tu\u00e2n th\u1ee7 v\u00e0 khoa h\u1ecdc d\u1eef li\u1ec7u.<\/p>\n\n\n\n

D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam cho th\u1ea5y c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh trong n\u01b0\u1edbc \u0111ang \u0111i theo qu\u1ef9 \u0111\u1ea1o t\u01b0\u01a1ng t\u1ef1, nh\u01b0ng xu\u1ea5t ph\u00e1t t\u1eeb m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh v\u1eadt l\u00fd l\u1edbn h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c \u0111\u1ed9 s\u1ed1 h\u00f3a, ngh\u0129a l\u00e0 qu\u00e1 tr\u00ecnh \u0111i\u1ec1u ch\u1ec9nh nh\u00e2n s\u1ef1 c\u00f3 th\u1ec3 c\u00f2n k\u00e9o d\u00e0i th\u00eam nhi\u1ec1u n\u0103m tr\u01b0\u1edbc khi \u0111\u1ea1t \u0111i\u1ec3m c\u00e2n b\u1eb1ng m\u1edbi.<\/p>\n\n\n\n

M\u1ed9t \u0111i\u1ec3m kh\u00e1c bi\u1ec7t \u0111\u00e1ng ch\u00fa \u00fd trong d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam: s\u1edf h\u1eefu nh\u00e0 n\u01b0\u1edbc khi\u1ebfn c\u00e1c quy\u1ebft \u0111\u1ecbnh nh\u00e2n s\u1ef1 n\u00e0y c\u00f2n mang chi\u1ec1u k\u00edch ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i m\u00e0 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n thu\u1ea7n t\u00fay \u00edt g\u1eb7p ph\u1ea3i h\u01a1n. Agribank \u0111\u1eb7c bi\u1ec7t duy tr\u00ec m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh n\u00f4ng th\u00f4n d\u00e0y \u0111\u1eb7c \u0111\u1ec3 ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng vay v\u1ed1n n\u00f4ng nghi\u1ec7p, nh\u00f3m c\u00f3 th\u1ec3 kh\u00f4ng c\u00f3 k\u1ebft n\u1ed1i internet \u1ed5n \u0111\u1ecbnh.<\/p>\n\n\n\n

D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u1ec1 \u0111\u00f3ng chi nh\u00e1nh n\u00f4ng th\u00f4n, n\u1ebfu x\u1ea3y ra tr\u00ean di\u1ec7n r\u1ed9ng, s\u1ebd l\u00e0 ch\u1ec9 b\u00e1o nh\u1ea1y c\u1ea3m h\u01a1n nhi\u1ec1u so v\u1edbi vi\u1ec7c s\u00e1p nh\u1eadp chi nh\u00e1nh \u0111\u00f4 th\u1ecb, v\u00ec li\u00ean quan \u0111\u1ebfn ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n ch\u1ee9 kh\u00f4ng ch\u1ec9 hi\u1ec7u qu\u1ea3 v\u1eadn h\u00e0nh.<\/p>\n\n\n\n

\u0110i\u1ec1u n\u00e0y c\u00f3 \u00fd ngh\u0129a g\u00ec v\u1edbi h\u1ee3p t\u00e1c fintech v\u00e0 t\u00edch h\u1ee3p API?<\/h2>\n\n\n\n

Khi c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c doanh Vi\u1ec7t Nam gi\u1ea3m nh\u00e2n s\u1ef1 tuy\u1ebfn \u0111\u1ea7u v\u00e0 d\u1ef1a nhi\u1ec1u h\u01a1n v\u00e0o k\u00eanh s\u1ed1, c\u01a1 h\u1ed9i h\u1ee3p t\u00e1c fintech v\u00e0 t\u00edch h\u1ee3p qua API c\u0169ng t\u0103ng l\u00ean. Nh\u1eefng ng\u00e2n h\u00e0ng \u0111ang \u0111\u1ea7u t\u01b0 m\u1ea1nh v\u00e0o nh\u00e2n s\u1ef1 c\u00f4ng ngh\u1ec7, ngay c\u1ea3 khi c\u1eaft gi\u1ea3m t\u1ed5ng th\u1ec3, th\u01b0\u1eddng c\u1edfi m\u1edf h\u01a1n v\u1edbi t\u00edch h\u1ee3p d\u1eef li\u1ec7u b\u00ean th\u1ee9 ba, h\u1ee3p t\u00e1c t\u00e0i ch\u00ednh nh\u00fang v\u00e0 s\u00e1ng ki\u1ebfn ng\u00e2n h\u00e0ng m\u1edf so v\u1edbi ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n \u0111\u00f3ng b\u0103ng tuy\u1ec3n d\u1ee5ng to\u00e0n di\u1ec7n.<\/p>\n\n\n\n

D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u1ec1 xu h\u01b0\u1edbng tuy\u1ec3n d\u1ee5ng theo t\u1eebng m\u1ea3ng ch\u1ee9c n\u0103ng, ch\u1ee9 kh\u00f4ng ch\u1ec9 t\u1ed5ng nh\u00e2n s\u1ef1, v\u00ec v\u1eady l\u00e0 t\u00edn hi\u1ec7u h\u1eefu \u00edch \u0111\u1ec3 c\u00e1c c\u00f4ng ty fintech quy\u1ebft \u0111\u1ecbnh n\u00ean ti\u1ebfp c\u1eadn ng\u00e2n h\u00e0ng qu\u1ed1c doanh n\u00e0o tr\u01b0\u1edbc.<\/p>\n\n\n\n

C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p<\/h2>\n\n\n\n

Ng\u00e2n h\u00e0ng n\u00e0o c\u1eaft gi\u1ea3m nhi\u1ec1u nh\u00e2n s\u1ef1 nh\u1ea5t n\u1eeda \u0111\u1ea7u 2026?<\/h3>\n\n\n\n

Agribank, BIDV, VietinBank v\u00e0 Vietcombank, b\u1ed1n ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n nh\u00e0 n\u01b0\u1edbc, \u0111\u00e3 c\u00f9ng nhau gi\u1ea3m h\u01a1n 1.100 v\u1ecb tr\u00ed nh\u00e2n s\u1ef1 trong s\u00e1u th\u00e1ng \u0111\u1ea7u n\u0103m 2026, theo d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u1eeb c\u00f4ng b\u1ed1 c\u00f4ng khai.<\/p>\n\n\n\n

Vi\u1ec7c c\u1eaft gi\u1ea3m nh\u00e2n s\u1ef1 c\u00f3 ph\u1ea3n \u00e1nh kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh kh\u00f4ng?<\/h3>\n\n\n\n

Kh\u00f4ng. D\u01b0 n\u1ee3 v\u00e0 huy \u0111\u1ed9ng v\u1ed1n t\u1ea1i c\u1ea3 b\u1ed1n ng\u00e2n h\u00e0ng v\u1eabn ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng. D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam cho th\u1ea5y m\u1ee9c gi\u1ea3m t\u1eadp trung \u1edf vai tr\u00f2 tuy\u1ebfn \u0111\u1ea7u v\u00e0 h\u00e0nh ch\u00ednh chi nh\u00e1nh, \u0111ang \u0111\u01b0\u1ee3c thay th\u1ebf b\u1edfi k\u00eanh ng\u00e2n h\u00e0ng s\u1ed1, kh\u00f4ng ph\u1ea3i d\u1ea5u hi\u1ec7u suy gi\u1ea3m n\u0103ng l\u1ef1c.<\/p>\n\n\n\n

D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam gi\u00fap g\u00ec cho b\u00ean mua d\u1eef li\u1ec7u doanh nghi\u1ec7p?<\/h3>\n\n\n\n

Theo d\u00f5i theo th\u1eddi gian, d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u1ec1 nh\u00e2n s\u1ef1, s\u1ed1 chi nh\u00e1nh v\u00e0 m\u1ee9c \u0111\u1ed9 s\u1ed1 h\u00f3a gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c v\u00e0 \u0111\u1ed1i t\u00e1c fintech so s\u00e1nh hi\u1ec7u qu\u1ea3 v\u1edbi \u0111\u1ed1i th\u1ee7 v\u00e0 nh\u1eadn di\u1ec7n ng\u00e2n h\u00e0ng n\u00e0o \u0111ang chuy\u1ec3n \u0111\u1ed5i s\u1ed1 nhanh nh\u1ea5t.<\/p>\n\n\n\n

T\u00ecm d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e1ng tin c\u1eady \u1edf \u0111\u00e2u?<\/h3>\n\n\n\n

C\u00f4ng b\u1ed1 c\u00f4ng khai c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 truy\u1ec1n th\u00f4ng nh\u00e0 n\u01b0\u1edbc cung c\u1ea5p s\u1ed1 li\u1ec7u t\u1ed5ng quan, nh\u01b0ng c\u1ea7n d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f3 c\u1ea5u tr\u00fac, \u0111\u00e3 x\u00e1c th\u1ef1c qua nhi\u1ec1u qu\u00fd \u0111\u1ec3 theo d\u00f5i xu h\u01b0\u1edbng v\u00e0 so s\u00e1nh nh\u1ea5t qu\u00e1n gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c. Xem th\u00eam ph\u00e2n t\u00edch c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 d\u1eef li\u1ec7u th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam \u0111\u1eb1ng sau d\u1ef1 b\u00e1o VN-Index 2026<\/a>.<\/p>\n\n\n\n

Theo d\u00f5i xu h\u01b0\u1edbng nh\u00e2n s\u1ef1 ng\u00e2n h\u00e0ng v\u00e0 d\u1eef li\u1ec7u doanh nghi\u1ec7p v\u1edbi ngu\u1ed3n \u0111\u00e3 x\u00e1c th\u1ef1c.<\/strong> D\u1ecbch v\u1ee5 Company Intelligence c\u1ee7a DataCore<\/a> cung c\u1ea5p cho t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 nh\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f3 c\u1ea5u tr\u00fac, \u0111\u00e3 x\u00e1c th\u1ef1c, gi\u00fap b\u1ea1n nh\u1eadn di\u1ec7n xu h\u01b0\u1edbng tr\u01b0\u1edbc khi ch\u00fang xu\u1ea5t hi\u1ec7n tr\u00ean b\u00e1o ch\u00ed. Xem th\u00eam b\u00e0i vi\u1ebft li\u00ean quan v\u1ec1 d\u1eef li\u1ec7u bi\u1ebfn \u0111\u1ed9ng nh\u00e2n s\u1ef1 ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u00e0 l\u00e0n s\u00f3ng ngh\u1ec9 vi\u1ec7c t\u1ea1i Eximbank<\/a> v\u00e0 ph\u00e2n t\u00edch c\u1eaft margin c\u1ed5 phi\u1ebfu Vi\u1ec7t Nam<\/a>.<\/p>\n\n\n\n

Ngu\u1ed3n Tham Kh\u1ea3o<\/h2>\n\n\n\n
    \n
  • CafeF - \"C\u1ea3 ngh\u00ecn nh\u00e2n vi\u00ean t\u1ea1i Vietcombank, VietinBank, BIDV v\u00e0 Agribank ngh\u1ec9 vi\u1ec7c trong n\u1eeda \u0111\u1ea7u n\u0103m 2026\" (07-08-2026)<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

    D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam cho th\u1ea5y h\u01a1n 1.100 nh\u00e2n s\u1ef1 b\u1ecb c\u1eaft gi\u1ea3m t\u1ea1i 4 ng\u00e2n h\u00e0ng qu\u1ed1c doanh n\u1eeda \u0111\u1ea7u 2026, ph\u1ea3n \u00e1nh l\u00e0n s\u00f3ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>","protected":false},"author":19,"featured_media":3704,"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],"tags":[2617,2172,697],"class_list":["post-3720","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","tag-chuyen-doi-so-ngan-hang-vi","tag-du-lieu-ngan-hang-vi","tag-ngan-hang-viet-nam-vi"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/bank-office-vietnam-datacore.jpg",1200,630,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/bank-office-vietnam-datacore-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/bank-office-vietnam-datacore-300x158.jpg",300,158,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/bank-office-vietnam-datacore-768x403.jpg",768,403,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/bank-office-vietnam-datacore-1024x538.jpg",1024,538,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/bank-office-vietnam-datacore.jpg",1200,630,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/bank-office-vietnam-datacore.jpg",1200,630,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/bank-office-vietnam-datacore-18x9.jpg",18,9,true]},"uagb_author_info":{"display_name":"DataCore Marketing","author_link":"https:\/\/blog.datacore.vn\/vi\/author\/datacore_marketing\/"},"uagb_comment_info":0,"uagb_excerpt":"D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam cho th\u1ea5y h\u01a1n 1.100 nh\u00e2n s\u1ef1 b\u1ecb c\u1eaft gi\u1ea3m t\u1ea1i 4 ng\u00e2n h\u00e0ng qu\u1ed1c doanh n\u1eeda \u0111\u1ea7u 2026, ph\u1ea3n \u00e1nh l\u00e0n s\u00f3ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1.","_links":{"self":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/3720","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=3720"}],"version-history":[{"count":4,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/3720\/revisions"}],"predecessor-version":[{"id":3746,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/3720\/revisions\/3746"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media\/3704"}],"wp:attachment":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media?parent=3720"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/categories?post=3720"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/tags?post=3720"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}