The State Bank is developing a draft Circular amending Circular 52/201 / TT-NHNN on bank ranking, in which many views believe that ranking needs a systematic system and specific criteria aimed at Evaluation of banks is more accurately accurate. New decision on banking ranking contributes to assessing the status of banks more accurately. Ranking of credit institutions, foreign bank branches (collectively referred to as banks) are issued in 2018. According to the Circular 52, the principles and methods of bank ranking need to ensure reflection Full current status of operation and risks of credit institutions, foreign bank branches and comply with the provisions of law. On that establishment, banks are divided into ranking groups
. Group 1 is a large-scale commercial banks (the total value of average quarterly assets in the rating of over VND 100,000 billion); Group 2 is a small-scale commercial banks (the total value of average quarterly assets in the year ranked or lower than VND 100,000 billion) .4 The remaining group includes groups that belong to foreign bank branches , Group of finance companies, financial leasing companies and cooperative banking groups. The banks are ranked according to the criteria system
Each ranking criteria includes quantitative targets and qualitative targets. The group of quantitative targets measure the healthy level of banking operations on the basis of operating data of each bank. The group of calculating targets measures the level of compliance with the law provisions of the Bank. Some orientation orientation of the circular amendments: Based on the basis of legal and practical basis, the draft circular is based on On the following key orientations: - Support the process of restructuring, handling bad debts and improving management, administration and control capacity of credit institutions in the future. - Suitable for playback Development and characteristics in the operation of the types of credit institutions.- Fully reflect the situation and the level of risk in the operation of credit institutions.- Enhancing the efficiency of banking supervision , promptly introduce handling measures for each credit institution to ensure safety and healthy systems. via a implementation period, the State Bank said, the amendment and supplementation Power 52 will further improve the legal basis for ranking credit institutions to fully reflect the situation and the level of risk in the operation of credit institutions. This has an important meaning to enhance the effectiveness of banking supervision, helping to promptly take measures to handle each credit institution to ensure safety and healthy banking systems. According to the general assessment of the drafting agency, the completion of the provisions of the Circular amending and supplementing the Circular No
52 to resolve the difficulties and problems during the ranking of credit institutions Recently. For example, ranking criteria should be built on the basis of fully assessing the actual status of operation and risks of credit institutions in case of not being approved to implement specific mechanisms (muscle Structure of debt and maintaining debt groups, allocation / postponement of risk provisioning, exposure ...). Need to "float" more than the difference of banks with the current regulations of Circular 52 , Commercial banks are classified into 2 groups to rank: the banking group has a total assets of over VND 100 trillion and the banking group has a total asset size of VND 100 trillion or less. According to Mr. Nguyen Thanh Long, Chairman of the Legal Club of Vietnam Banking Association, currently the total assets of banks are uneven and have a huge difference in levels. Banks vary in scale, the way to operate, executive management and business efficiency are very different. Therefore, the regulations on criteria, scores and weight in Circular 52 are not suitable for assessing and ranking for large banks. "To enhance efficiency in assessment, ranking of credit institutions and as a basis for building the appropriate respective evaluation criteria / criteria, grinding banks according to the more detailed levels" , Mr. Long said. Some experts said that the strip of points in the same class would make banks' efforts to improve the score not yet recorded correctly. Accordingly, refer to the evaluation of international credit rating organizations (such as Moody's, Fitch Ratings, Standard . Dịch vụ:
Thiết kế website,
quảng cáo google,
đăng ký website bộ công thương uy tín
