{"id":60153,"date":"2024-01-16T10:42:47","date_gmt":"2024-01-16T03:42:47","guid":{"rendered":"https:\/\/jobsgo.vn\/blog\/?p=60153"},"modified":"2024-10-31T11:27:51","modified_gmt":"2024-10-31T04:27:51","slug":"thuong-tet-ngan-hang-2024","status":"publish","type":"post","link":"https:\/\/jobsgo.vn\/blog\/thuong-tet-ngan-hang-2024\/","title":{"rendered":"Th\u01b0\u1edfng T\u1ebft Ng\u00e2n H\u00e0ng 2024: H\u00e9 L\u1ed9 M\u1ee9c Th\u01b0\u1edfng Kh\u1ee7ng Nh\u1ea5t"},"content":{"rendered":"\n
Th\u01b0\u1edfng T\u1ebft ng\u00e2n h\u00e0ng 2024<\/em><\/strong><\/a> l\u00e0 m\u1ed9t trong nh\u1eefng th\u00f4ng tin \u0111ang \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi quan t\u00e2m v\u00e0 b\u00e0n t\u00e1n. Ai ai c\u0169ng h\u00e1o h\u1ee9ng ch\u1edd \u0111\u1ee3i \u0111\u1ec3 bi\u1ebft c\u00e1c banker s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c bao nhi\u00eau th\u00e1ng l\u01b0\u01a1ng cho \u0111\u1ee3t th\u01b0\u1edfng T\u1ebft Nguy\u00ean \u0111\u00e1n n\u0103m nay.<\/em><\/p>\n M\u1ee5c l\u1ee5c<\/p> Kh\u00f4ng ch\u1ec9 banker m\u00e0 t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u v\u00f4 c\u00f9ng h\u00e0o h\u1ee9ng, tr\u00f4ng ng\u00f3ng th\u00f4ng tin v\u1ec1 th\u01b0\u1edfng T\u1ebft ng\u00e2n h\u00e0ng 2024<\/strong>. L\u00fd do l\u00e0 b\u1edfi s\u1ef1 h\u1ea5p d\u1eabn c\u1ee7a kho\u1ea3n ti\u1ec1n th\u01b0\u1edfng m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng mang \u0111\u1ebfn cho ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u1ed7i d\u1ecbp T\u1ebft \u0111\u1ebfn, xu\u00e2n v\u1ec1.<\/p>\n M\u1ed7i n\u0103m, ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ec1u mang \u0111\u1ebfn k\u1ef7 l\u1ee5c m\u1edbi trong vi\u1ec7c th\u01b0\u1edfng T\u1ebft. Ch\u1ec9 n\u00f3i ri\u00eang trong n\u0103m 2023, m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u00e3 khi\u1ebfn to\u00e0n b\u1ed9 ng\u01b0\u1eddi lao \u0111\u1ed9ng Vi\u1ec7t Nam x\u00f4n xao tr\u01b0\u1edbc th\u00f4ng tin v\u1ec1 vi\u1ec7c th\u01b0\u1edfng hi\u1ec7u su\u1ea5t kinh doanh t\u1edbi 15 th\u00e1ng l\u01b0\u01a1ng, c\u1ed9ng th\u00eam m\u1ed9t th\u00e1ng th\u01b0\u1edfng T\u1ebft. Nh\u01b0 v\u1eady, n\u1ebfu m\u1ed9t nh\u00e2n vi\u00ean c\u00f3 m\u1ee9c l\u01b0\u01a1ng 10 tri\u1ec7u\/th\u00e1ng, th\u00ec s\u1ed1 ti\u1ec1n th\u01b0\u1edfng m\u00e0 ng\u01b0\u1eddi \u0111\u00f3 nh\u1eadn \u0111\u01b0\u1ee3c v\u00e0o k\u1ef3 T\u1ebft 2023 l\u00ean t\u1edbi 160 tri\u1ec7u \u0111\u1ed3ng. \u0110\u00e2y qu\u1ea3 l\u00e0 m\u1ed9t con s\u1ed1 \u201ckh\u1ee7ng\u201d khi\u1ebfn b\u1ea5t k\u1ef3 ai nghe th\u1ea5y c\u0169ng ph\u1ea3i \u201cng\u1ee1 ng\u00e0ng, ng\u01a1 ng\u00e1c\u201d.<\/p>\n Xem th\u00eam: L\u01b0\u01a1ng Th\u00e1ng 13 L\u00e0 G\u00ec? L\u01b0\u01a1ng Th\u00e1ng 13 V\u00e0 Th\u01b0\u1edfng T\u1ebft Gi\u1ed1ng Hay Kh\u00e1c Nhau?<\/a><\/strong><\/p>\n 2023 l\u00e0 m\u1ed9t n\u0103m kh\u00f3 kh\u0103n v\u1edbi n\u1ec1n kinh t\u1ebf n\u00f3i chung v\u00e0 ng\u00e0nh ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang. M\u1eb7c d\u00f9 v\u1eady, t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn t\u1ea1i n\u01b0\u1edbc ta nh\u01b0 Vietinbank, BIDV, Techcombank, SHB, B\u1eafc \u00c1 Bank, MBBank, Ng\u00e2n h\u00e0ng B\u01b0u \u0111i\u1ec7n Li\u00ean Vi\u1ec7t, VPBank, TPBank \u0111\u1ec1u \u0111\u00e3 th\u00f4ng b\u00e1o r\u1eb1ng: nh\u00e2n vi\u00ean v\u1eabn s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c th\u00e1ng l\u01b0\u01a1ng th\u1ee9 13 trong k\u1ef3 th\u01b0\u1edfng T\u1ebft ng\u00e2n h\u00e0ng 2024<\/strong>.<\/p><\/blockquote>\n Th\u00e1ng l\u01b0\u01a1ng 13 kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t kho\u1ea3n ti\u1ec1n m\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u01b0\u1ee3c nh\u1eadn th\u00eam m\u1ed7i d\u1ecbp T\u1ebft \u0111\u1ebfn, m\u00e0 c\u00f2n l\u00e0 bi\u1ec3u t\u01b0\u1ee3ng cho th\u1ea5y doanh nghi\u1ec7p tr\u00e2n tr\u1ecdng v\u00e0 c\u00f4ng nh\u1eadn nh\u1eefng n\u1ed7 l\u1ef1c, \u0111\u00f3ng g\u00f3p kh\u00f4ng ng\u1eebng c\u1ee7a nh\u00e2n vi\u00ean trong su\u1ed1t m\u1ed9t n\u0103m l\u00e0m vi\u1ec7c \u0111\u1ea7y th\u00e1ch th\u1ee9c.<\/p>\n Vi\u1ec7c gi\u1ea3i ng\u00e2n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00f9ng v\u1edbi vi\u1ec7c tr\u1ea3 l\u01b0\u01a1ng th\u00e1ng 1\/2024 ho\u1eb7c tr\u01b0\u1edbc ng\u00e0y ngh\u1ec9 T\u1ebft \u00e2m l\u1ecbch, t\u00f9y thu\u1ed9c v\u00e0o chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng.<\/p>\n Trong ng\u00e0nh ng\u00e2n h\u00e0ng, m\u1ee9c th\u01b0\u1edfng T\u1ebft c\u00f3 s\u1ef1 ch\u00eanh l\u1ec7ch \u0111\u00e1ng k\u1ec3 gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c. Nh\u1eefng \u0111\u01a1n v\u1ecb l\u1edbn nh\u01b0 BIDV, Vietcombank, Agribank, Vietinbank th\u01b0\u1eddng \u00e1p d\u1ee5ng m\u1ee9c th\u01b0\u1edfng 2 – 3 th\u00e1ng l\u01b0\u01a1ng cho T\u1ebft \u00e2m l\u1ecbch t\u1eeb nhi\u1ec1u n\u0103m tr\u01b0\u1edbc. Trong khi \u0111\u00f3, nh\u1eefng ng\u00e2n h\u00e0ng nh\u1ecf th\u01b0\u1eddng \u00e1p d\u1ee5ng m\u1ee9c th\u01b0\u1edfng 1 th\u00e1ng l\u01b0\u01a1ng.<\/p>\n C\u0169ng c\u1ea7n l\u01b0u \u00fd th\u00eam r\u1eb1ng, m\u1ee9c th\u01b0\u1edfng T\u1ebft ng\u00e2n h\u00e0ng 2024<\/strong> kh\u00f4ng ch\u1ec9 ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh h\u00ecnh kinh doanh chung c\u1ee7a ng\u00e0nh m\u00e0 c\u00f2n d\u1ef1a v\u00e0o hi\u1ec7u qu\u1ea3 kinh doanh c\u1ee7a t\u1eebng chi nh\u00e1nh v\u00e0 t\u1eebng nh\u00e2n s\u1ef1. Nh\u01b0 v\u1eady, c\u00f9ng l\u00e0 nh\u00e2n vi\u00ean l\u00e0m vi\u1ec7c cho m\u1ed9t ng\u00e2n h\u00e0ng, nh\u01b0ng anh A c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c 5 th\u00e1ng th\u01b0\u1edfng T\u1ebft, trong khi \u0111\u00f3 ch\u1ecb B c\u00f3 th\u1ec3 ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c n\u1eeda th\u00e1ng khuy\u1ebfn kh\u00edch.<\/p>\n Quy tr\u00ecnh t\u00ednh th\u01b0\u1edfng T\u1ebft cho nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng di\u1ec5n ra m\u1ed9t c\u00e1ch minh b\u1ea1ch. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng \u00e1p d\u1ee5ng c\u00e1c b\u01b0\u1edbc sau \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh c\u00f4ng b\u1eb1ng v\u00e0 \u0111\u1ed3ng \u0111\u1ec1u trong vi\u1ec7c ph\u00e2n ph\u1ed1i ng\u00e2n s\u00e1ch th\u01b0\u1edfng T\u1ebft:<\/p>\n Hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c kh\u1ed1i kinh doanh v\u00e0 chi nh\u00e1nh c\u1ee7a ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 theo c\u00e1c m\u1ee9c \u0111\u1ed9 kh\u00e1c nhau, bao g\u1ed3m:<\/p>\n Hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1eebng \u0111\u01a1n v\u1ecb \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n d\u1ef1a tr\u00ean nhi\u1ec1u ti\u00eau ch\u00ed, ch\u1eb3ng h\u1ea1n nh\u01b0: l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf, t\u1ed5ng huy \u0111\u1ed9ng v\u1ed1n, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u, t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay, t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay,… T\u00f9y theo m\u1ee9c \u0111\u1ed9 ho\u00e0n th\u00e0nh m\u1ee5c ti\u00eau m\u00e0 nh\u00e2n vi\u00ean c\u1ee7a t\u1eebng kh\u1ed1i kinh doanh v\u00e0 chi nh\u00e1nh s\u1ebd c\u00f3 h\u1ec7 s\u1ed1 th\u01b0\u1edfng T\u1ebft kh\u00e1c nhau.<\/p>\n Nh\u00e2n s\u1ef1 l\u00e0m vi\u1ec7c trong c\u00e1c \u0111\u01a1n v\u1ecb th\u00e0nh vi\u00ean c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng \u0111\u01b0\u1ee3c x\u1ebfp lo\u1ea1i t\u01b0\u01a1ng \u1ee9ng d\u1ef1a tr\u00ean hi\u1ec7u su\u1ea5t l\u00e0m vi\u1ec7c c\u00e1 nh\u00e2n (KPI c\u00e1 nh\u00e2n) trong n\u0103m. Ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u1ebfp lo\u1ea1i v\u00e0o c\u00e1c h\u1ea1ng m\u1ee9c nh\u01b0 xu\u1ea5t s\u1eafc, ho\u00e0n th\u00e0nh t\u1ed1t, ho\u00e0n th\u00e0nh, ho\u1eb7c kh\u00f4ng ho\u00e0n th\u00e0nh. V\u1edbi m\u1ed7i m\u1ee9c \u0111\u1ed9, ng\u01b0\u1eddi lao \u0111\u1ed9ng s\u1ebd nh\u1eadn m\u1ed9t h\u1ec7 s\u1ed1 th\u01b0\u1edfng ri\u00eang bi\u1ec7t.<\/p>\n M\u1ee9c th\u01b0\u1edfng T\u1ebft ng\u00e2n h\u00e0ng 2024<\/strong> cho t\u1eebng nh\u00e2n vi\u00ean s\u1ebd ph\u1ee5 thu\u1ed9c tr\u1ef1c ti\u1ebfp v\u00e0o x\u1ebfp h\u1ea1ng c\u00e1 nh\u00e2n v\u00e0 \u0111\u00e1nh gi\u00e1 hi\u1ec7u su\u1ea5t c\u1ee7a \u0111\u01a1n v\u1ecb kinh doanh m\u00e0 h\u1ecd \u0111ang l\u00e0m vi\u1ec7c. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng c\u00f3 ch\u00ednh s\u00e1ch th\u01b0\u1edfng \u0111\u1eb7c bi\u1ec7t cho nh\u1eefng nh\u00e2n s\u1ef1 xu\u1ea5t s\u1eafc, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong nh\u1eefng n\u0103m c\u00f3 k\u1ebft qu\u1ea3 kinh doanh t\u1ed1t. Th\u01b0\u1edfng T\u1ebft cho nh\u1eefng ng\u01b0\u1eddi n\u00e0y c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 6 t\u1edbi 8 th\u00e1ng l\u01b0\u01a1ng, th\u1eadm ch\u00ed h\u01a1n 10 th\u00e1ng l\u01b0\u01a1ng, t\u00f9y thu\u1ed9c v\u00e0o \u0111\u00f3ng g\u00f3p c\u1ee7a m\u1ed7i c\u00e1 nh\u00e2n.<\/p>\n V\u1edbi gi\u00e1m \u0111\u1ed1c c\u1ea5p cao, gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh, hay nh\u1eefng nh\u00e2n s\u1ef1 ch\u1ee7 ch\u1ed1t, m\u1ee9c th\u01b0\u1edfng T\u1ebft c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn h\u00e0ng t\u1ef7 \u0111\u1ed3ng v\u00e0o nh\u1eefng n\u0103m ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3. Ng\u01b0\u1ee3c l\u1ea1i, \u0111\u1ed1i v\u1edbi nh\u1eefng \u0111\u01a1n v\u1ecb kh\u00f4ng \u0111\u1ea1t ch\u1ec9 ti\u00eau \u0111\u00e3 \u0111\u1ec1 ra v\u00e0 v\u1edbi nh\u1eefng nh\u00e2n s\u1ef1 kh\u00f4ng ho\u00e0n th\u00e0nh KPI c\u00e1 nh\u00e2n, th\u01b0\u1edfng T\u1ebft s\u1ebd \u1edf m\u1ee9c th\u1ea5p, th\u1eadm ch\u00ed \u201ckh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 \u0103n T\u1ebft\u201d.<\/p>\n Sau khi k\u1ebft th\u00fac n\u0103m d\u01b0\u01a1ng l\u1ecbch, c\u00e1c kh\u1ed1i kinh doanh v\u00e0 chi nh\u00e1nh s\u1ebd bi\u1ebft \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng trong n\u0103m qua c\u1ee7a \u0111\u01a1n v\u1ecb m\u00ecnh \u1edf m\u1ee9c n\u00e0o d\u1ef1a tr\u00ean c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3 kinh doanh c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Th\u00f4ng b\u00e1o n\u00e0y th\u01b0\u1eddng \u0111i k\u00e8m v\u1edbi vi\u1ec7c c\u00f4ng b\u1ed1 c\u00e1c kho\u1ea3n th\u01b0\u1edfng T\u1ebft ng\u00e2n h\u00e0ng 2024<\/strong> t\u01b0\u01a1ng \u1ee9ng cho t\u1eebng \u0111\u01a1n v\u1ecb. Ti\u1ebfp \u0111\u00f3, c\u00e1c \u0111\u01a1n v\u1ecb s\u1ebd t\u1ef1 ph\u00e2n ph\u1ed5 th\u01b0\u1edfng T\u1ebft cho t\u1eebng nh\u00e2n vi\u00ean.<\/p>\n Ng\u00e2n h\u00e0ng s\u1ebd th\u1ef1c hi\u1ec7n quy tr\u00ecnh ph\u00e2n ph\u1ed1i th\u01b0\u1edfng T\u1ebft cho t\u1eebng \u0111\u01a1n v\u1ecb, c\u00e1 nh\u00e2n d\u1ef1a tr\u00ean c\u00e1c m\u1ee9c \u0111\u1ed9 v\u00e0 x\u1ebfp lo\u1ea1i \u0111\u00e3 \u0111\u00e1nh gi\u00e1. Nh\u00e2n vi\u00ean s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n ti\u1ec1n th\u01b0\u1edfng t\u01b0\u01a1ng x\u1ee9ng v\u1edbi \u0111\u00f3ng g\u00f3p v\u00e0 hi\u1ec7u su\u1ea5t l\u00e0m vi\u1ec7c c\u1ee7a h\u1ecd trong n\u0103m qua.<\/p>\n Quy tr\u00ecnh n\u00e0y kh\u00f4ng ch\u1ec9 t\u1ea1o ra s\u1ef1 c\u00f4ng b\u1eb1ng trong vi\u1ec7c t\u00ednh th\u01b0\u1edfng T\u1ebft m\u00e0 c\u00f2n t\u1ea1o \u0111\u1ed9ng l\u1ef1c cho nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u1ec3 h\u1ecd n\u1ed7 l\u1ef1c \u0111\u1ea1t \u0111\u01b0\u1ee3c v\u00e0 v\u01b0\u1ee3t qua c\u00e1c m\u1ee5c ti\u00eau kinh doanh \u0111\u1ec1 ra. N\u00f3 c\u0169ng th\u1ec3 hi\u1ec7n s\u1ef1 minh b\u1ea1ch trong quy tr\u00ecnh qu\u1ea3n l\u00fd nh\u00e2n s\u1ef1 v\u00e0 \u0111\u00e1nh gi\u00e1 hi\u1ec7u su\u1ea5t l\u00e0m vi\u1ec7c.<\/p>\n1. Th\u01b0\u1edfng T\u1ebft Ng\u00e2n H\u00e0ng L\u00fac N\u00e0o C\u0169ng \u0110\u01b0\u1ee3c Mong Ng\u00f3ng<\/strong><\/span><\/h2>\n
2. H\u1ea7u H\u1ebft C\u00e1c Ng\u00e2n H\u00e0ng \u0110\u1ec1u C\u00f3 L\u01b0\u01a1ng Th\u00e1ng 13 N\u0103m 2024<\/strong><\/span><\/h2>\n
3. Th\u01b0\u1edfng T\u1ebft Ng\u00e2n H\u00e0ng 2024 \u0110\u01b0\u1ee3c T\u00ednh Th\u1ebf N\u00e0o?<\/strong><\/span><\/h2>\n
3.1. \u0110\u00e1nh Gi\u00e1 Hi\u1ec7u Su\u1ea5t Kinh Doanh C\u1ee7a T\u1eebng \u0110\u01a1n V\u1ecb Th\u00e0nh Vi\u00ean<\/strong><\/span><\/h3>\n
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3.2. X\u1ebfp Lo\u1ea1i Nh\u00e2n vi\u00ean<\/strong><\/span><\/h3>\n
3.3. T\u00ednh To\u00e1n Th\u01b0\u1edfng Theo Hi\u1ec7u Su\u1ea5t<\/strong><\/span><\/h3>\n
3.4. C\u00f4ng B\u1ed1 K\u1ebft Qu\u1ea3 Kinh Doanh<\/strong><\/span><\/h3>\n
3.5. Ph\u00e2n Ph\u1ed1i Th\u01b0\u1edfng T\u1ebft<\/strong><\/span><\/h3>\n