2009

NGN HNG NH NC VIT NAM

BO CO THNG NIN 2009

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NGN HNG NH NC VIETNAM

MC LCLI TA CA THNG C CC V, CC, N V S NGHIP CA NGN HNG NH NC VIT NAM KHI QUT KINH T TH GII KINH T VIT NAM CN CN THANH TON QUC T V TNH HNH XUT NHP KHU DIN BIN TIN T IU HNH CC CNG C CHNH SCH TIN T CHNG TRNH H TR LI SUT QUN L NGOI HI HOT NG THANH TRA, GIM ST NGN HNG CNG NGH NGN HNG V HOT NG THANH TON THNG TIN TN DNG KIM TON NI B CNG TC PHP CH HOT NG I NGOI T CHC CN B PH LC 7 8 10 11 14 17 22 25 28 29 31 32 34 35 37 39 41

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TR S CHNH V CC CHI NHNH TNH, THNH PH

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BAN LNH O NGN HNG NH NC VIT NAM

ng Nguyn Vn Giu Thng c

ng Nguyn ng Tin Ph Thng c

ng Trn Minh Tun Ph Thng c thng trc

ng ng Thanh Bnh Ph Thng c

ng Nguyn Ton Thng Ph Thng c BO CO THNG NIN

ng Nguyn Vn Bnh Ph Thng c NGN HNG NH NC VIETNAM

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BO CO THNG NIN

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LI TA CA THNG Cm 2009, khng hong ti chnh v suy thoi kinh t ton cu tc ng n hu ht cc nc. Nn kinh t Vit Nam hi nhp su rng vo nn kinh t th gii, b nh hng tiu cc ca khng hong v suy thoi ton cu, nht l xut khu, u t, du lch. Mt khc thin tai v dch bnh lin tip xy ra lm trm trng thm nhng kh khn ca nn kinh t. Trong bi cnh , Chnh ph thc hin cc gii php cp bch ngn chn suy gim kinh t, duy tr tng trng, bo m an sinh x hi, kt qu l ngn chn c suy gim kinh t, t tc tng trng 5,32%, gi c n nh kinh t v m, kim ch lm pht v to mi trng thun li cho pht trin kinh t - x hi.

N

m st mc tiu v gii php ca Chnh ph, trong nm 2009, Ngn hng Nh nc iu hnh chnh sch tin t ch ng, linh hot v ni lng thn trng thng qua cc gii php gim li sut, gim t l d tr bt buc v gim gi ng Vit Nam mc hp l, t chc thc hin c ch h tr li sut i vi doanh nghip vay vn, h tr tn dng i vi khu vc nng nghip v nng thn, doanh nghip nh v va, tng cng thanh tra, gim st an ton h thng ngn hng, pht trin dch v tin ch ngn hng, tng cng hp tc quc t, nng cao cht lng cng tc truyn thng v chnh sch tin t v hot ng ngn hng. Vic iu hnh chnh sch tin t v hot ng ngn hng gp phn quan trng v tch cc i vi kt qu t c ca nn kinh t, lu thng tin t v hot ng ca cc t chc tn dng c m bo an ton v hiu qu; Ngn hng Nh nc rt ra c nhiu vn c ngha l lun v thc tin p dng cho vic iu hnh chnh sch tin t v pht trin h thng cc t chc tn dng trong thi gian ti./.

B

Thng c Ngn hng Nh nc Vi Nam Vit

NGUYN VN GIU

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CC V, CC, N V S NGHIP CA NGN HNG NH NC VIT NAM

Tn V, Cc V Chnh sch tin t V Qun l ngoi hi V Thanh ton V Tn dng V D bo, thng k tin t V Hp tc quc t

Chc nng, nhim v Tham mu, gip Thng c xy dng chnh sch tin t quc gia v s dng cc cng c chnh sch tin t theo quy nh ca php lut. Tham mu, gip Thng c thc hin chc nng qun l nh nc v ngoi hi v hot ng ngoi hi theo quy nh ca php lut. Tham mu, gip Thng c thc hin qun l nh nc v lnh vc thanh ton trong nn kinh t quc dn theo quy nh ca php lut. Tham mu, gip Thng c thc hin qun l nh nc v lnh vc tn dng ngn hng v iu hnh th trng tin t theo quy nh ca php lut. Tham mu, gip Thng c thc hin cng tc d bo, thng k tin t theo quy nh ca php lut. Tham mu, gip Thng c thc hin chc nng qun l nh nc v hp tc v hi nhp quc t thuc phm vi qun l ca Ngn hng Nh nc theo quy nh ca php lut. Tham mu, gip Thng c thc hin kim ton ni b hot ng ca cc n v thuc Ngn hng Nh nc. Tham mu, gip Thng c thc hin qun l nh nc bng php lut v tng cng php ch x hi ch ngha trong ngnh Ngn hng. Tham mu, gip Thng c thc hin cng tc ti chnh, k ton, u t xy dng c bn ca Ngn hng Nh nc v qun l nh nc v k ton, u t xy dng c bn ca ngnh Ngn hng theo quy nh ca php lut. Tham mu cho Thng c, Ban cn s ng Ngn hng Nh nc thc hin cng tc t chc, bin ch; qun l, s dng cn b, cng chc, vin chc; ch tin lng v cc ch khc thuc phm vi qun l ca Ngn hng Nh nc theo quy nh ca php lut. Tham mu, gip Thng c qun l nh nc v cng tc thi ua, khen thng trong ngnh Ngn hng theo quy nh ca php lut. Thc hin chc nng thanh tra hnh chnh, thanh tra chuyn ngnh v gim st chuyn ngnh v ngn hng trong cc lnh vc thuc phm vi qun l nh nc ca Ngn hng Nh nc; tham mu, gip Thng c qun l nh nc i vi cc t chc tn dng, t chc ti chnh quy m nh, hot ng ngn hng ca cc t chc khc; thc hin phng, chng ra tin theo quy nh ca php lut.

V Kim ton ni b V Php ch V Ti chnh K ton

V T chc cn b

V Thi ua Khen thng

C quan Thanh tra, gim st ngn hng

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Vn phng

Tham mu, gip Thng c ch o v iu hnh hot ng ngn hng; thc hin cng tc ci cch hnh chnh ca Ngn hng Nh nc; qun l hot ng thng tin, tuyn truyn, bo ch, vn th, lu tr ca ngnh ngn hng theo quy nh ca php lut; thc hin cng tc hnh chnh, l tn, vn th, lu tr ti Tr s chnh Ngn hng Nh nc. Tham mu, gip Thng c thc hin qun l nh nc chuyn ngnh v lnh vc cng ngh tin hc trong phm vi ton ngnh Ngn hng. Tham mu, gip Thng c thc hin chc nng qun l nh nc v chc nng Ngn hng Trung ng v lnh vc pht hnh v kho qu theo quy nh ca php lut. Tham mu, gip Thng c qun l ti sn, ti chnh, c s vt cht k thut, hu cn, bo v an ninh, trt t an ton c quan, chm lo i sng, sc khe cho cn b, cng chc, vin chc v ngi lao ng thuc Tr s chnh Ngn hng Nh nc. Tham mu, gip Thng c thc hin cc nghip v Ngn hng Trung ng. Qun l v thc hin cc d n tn dng quc t do cc t chc ti chnh tin t quc t, nc ngoi ti tr. Tham mu, gip Thng c qun l Nh nc v tin t v hot ng ngn hng trn a bn v thc hin mt s nghip v Ngn hng Trung ng theo y quyn ca Thng c. Thc hin nhim v i din theo s y quyn ca Thng c.

Cc Cng ngh tin hc Cc pht hnh v kho qu

Cc Qun tr S Giao dch Ban qun l cc d n tn dng quc t Cc chi nhnh ti tnh, thnh ph trc thuc trung ng Vn phng i din ti thnh ph H Ch Minh

Cc n v s nghipVin Chin lc ngn hng Trung tm Thng tin tn dng Thi bo Ngn hng Nghin cu v xy dng chin lc, quy hoch, k hoch pht trin ngnh Ngn hng; t chc nghin cu khoa hc v pht trin cng ngh ngn hng phc v cho yu cu qun l nh nc ca Ngn hng Nh nc v tin t v hot ng ngn hng theo quy nh ca php lut. Thu nhn, x l, lu tr, phn tch, d bo thng tin tn dng phc v cho yu cu qun l nh nc ca Ngn hng Nh nc; thc hin cc dch v thng tin ngn hng theo quy nh ca Ngn hng Nh nc v ca php lut. L c quan ngn lun, din n x hi v l cng c tuyn truyn, ph bin ng li, ch trng ca ng, chnh sch, php lut ca Nh nc v hot ng ca ngnh ngn hng theo quy nh ca Ngn hng Nh nc v ca php lut. L c quan ngn lun, din n v l lun nghip v, khoa hc v cng ngh ngn hng; c chc nng tuyn truyn, ph bin ng li, ch trng ca ng, chnh sch v php lut ca Nh nc, hot ng ngn hng v nhng thnh tu v khoa hc, cng ngh ca ngnh Ngn hng v lnh vc lin quan theo quy nh ca Ngn hng Nh nc v ca php lut.

Tp ch Ngn hng

C chc nng o to, bi dng, cp nht kin thc, k nng qun l nh nc v chuyn mn nghip v thuc lnh vc ngn hng phc v yu cu pht trin Trng Bi dng cn v nng cao cht lng i ng cn b, cng chc, vin chc ca Ngn hng Nh b ngn hng nc v ca ngnh Ngn hng theo quy hoch, k hoch c Thng c ph duyt.

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KHI QUT KINH T TH GIIinh t th gii nm 2009 tip tc kh khn, c bit l trong nhng thng u nm v l thi k suy thoi kinh t su nht k t i suy thoi 1929-1933. Theo bo co ca IMF, tng trng kinh t th gii nm 2009 gim 0,8% (nm 2008 tng 3%). Nh c cc bin php cu tr kinh t c thc hin t cui nm 2008, t qu II/2009 kinh t th gii dn phc hi nhng cha chc chn, tim n nhiu ri ro, tht nghip v thm ht ngn sch ti nhiu nc tng ln mc cao so vi nhiu nm trc.

K

trng gia tng do cc nc y mnh cc gi gii php kch thch tng trng kinh t lm gi mt s mt hng thit yu nh du th, thp, xi mng c xu hng tng mnh so vi u nm.

Chnh sch tin ta s NHTW cc nc thc hin CSTT ni lng bng vic ct gim li sut ch o v ni lng nh lng thng qua vic tng cng bm tin vo h thng ngn hng v nn kinh t. Li sut ca FED, NHTW Chu u, Anh v Canada c gim xung mc thp nht trong lch s (gn 0%). Nhiu nc nh M, Chu u, Anh, Nht Bn... lin tip bm tin vo h thng ngn hng thng qua vic mua vo cc thng phiu, tri phiu doanh nghip, tri phiu chnh ph. Tuy nhin, mc bm tin qua knh ny gim dn t thng 8 khi c du hiu phc hi ca nn kinh t v h thng ti chnh ngn hng. T thng 10, trong bi cnh kinh t tng trng, mt s t NHTW tht cht tin t tr li nh c v Nauy tng li sut ch o, Trung Quc tng t l d tr bt buc.

Tng trng kinh t*Kinh t M gim 2,4%, kinh t khu vc ng Euro gim 4,1%, kinh t Nht Bn gim 5,2%. Kinh t cc nc ang pht trin Chu cng chu nh hng ca khng hong ti chnh v suy thoi kinh t th gii do lung chu chuyn vn quc t v thng mi ton cu gim mnh. Kinh t Trung Quc sau khi tng mc thp k lc 6,5% trong qu I/2009, t qu II/2009 kinh t Trung Quc phc hi v tr thnh nc c din bin kinh t kh quan nht th gii: qu II/2009: tng 8,1%; qu III/2009: tng 9,6%; qu IV/2009: tng 11,3%.

Lm phtLm pht ti nhiu quc gia gim mnh trong bi cnh suy thoi. Ti M, lm pht bnh qun l -0,4%, khu vc Euro 0,3%, Nht Bn -1,1%, Trung Quc -0,1%. Gi c nhiu mt hng trn th trng th gii gim, c bit l gi du m v lng thc do s suy gim ca tng trng kinh t ton cu khin cu th gii gim mnh. Tuy nhin, lm pht bnh qun so vi cng k ca M v khu vc ng Euro trong qu IV/2009 t mc dng tr li, trc cc du hiu phc hi ca kinh t th gii, k vng ca th BO CO THNG NIN

* Ngun s liu v tng trng kinh t v lm pht: Thomson Reuters

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KINH T VIT NAMc d tip tc i mt vi nhng kh khn v thch thc ca cuc khng hong ti chnh v suy thoi kinh t th gii, Vit Nam vn l mt trong s t quc gia t c mc tng trng kinh t dng trong nm 2009. Tuy nhin, do nh hng ca suy thoi kinh t th gii tc ng tiu cc n cn cn thng mi v cn cn thanh ton quc t, ng thi thin tai, dch bnh trong nc lin tip xy ra lm suy gim tng trng ca nn kinh t.

M

nng-lm-thu sn l thp nht, ch tng 1,83%; cng nghip-xy dng tng 5,52%; dch v tng 6,63%. Xt v mc ng gp vo GDP, ngnh dch v tip tc l ngnh ng gp nhiu nht vo tc tng trng chung. Ngnh nng-lm-ng nghip tng 1,83%, l mc thp nht trong vng 20 nm qua, trong ngnh nng nghip ch tng 1,32%, lm nghip tng 3,47%. Ngnh thu sn tng 4,28%. Ngnh cng nghip-xy dng tng 5,52%, trong lnh vc cng nghip ch tng khong 3,98%, bng 1/2 tc tng ca nm 2008 do cu trong nc v nc ngoi gim mnh, nhiu doanh nghip phi tm ngng sn xut hoc sn xut cm chng trong nhng thng u nm. Tuy nhin, ngnh xy dng tng mnh t 11,36% nh s phc hi ca th trng bt ng sn, gi nguyn vt liu xy dng nh xi mng, st thp... gim mnh v mc thp so vi nm 2008 ng thi c thm nhiu ngun vn b sung thc hin cc d n u t t gii php kch cu ca Chnh ph.

Tng trng kinh tTng trng tng sn phm trong nc nm 2009 t 5,32%, thp hn mc tng 6,18% trong nm 2008 v l mc thp nht trong 10 nm qua. Tuy nhin, tc tng trng kinh t c xu hng ci thin dn qua cc qu nh cu u t v tiu dng trong nc dn phc hi bi tc ng ca cc bin php kch thch kinh t ca Chnh ph: Qu I/2009 tng 3,14%; qu II/2009 tng 4,41%; qu III/2009 tng 5,98%; qu IV/2009 tng 6,99%. Tc tng ca cc ngnh nng-lmng nghip, cng nghip-xy dng v dch v u chm li trong tc tng ngnh

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Ngnh dch v tng 6,63%, l ngnh c tc tng trng cao nht so vi cc ngnh trn do chu nh hng ca suy thoi kinh t th gii mc thp.

u tVn u t ton x hi nm 2009 t khong 704,2 nghn t ng, bng 42,8% GDP, trong : vn u t thuc khu vc Nh nc tng 40,5% do Chnh ph thc hin cc bin php kch cu u t mnh ngn chn suy gim kinh t; vn u t thc hin ca khu vc ngoi Nh nc tng 13,9%; vn u t khu vc c vn u t nc ngoi gim 5,8%. V tn dng u t pht trin ca nh nc: gii ngn vn trong nc cho vay u t c t 20,3 nghn t ng, bng 70,3% k hoch nm; gii ngn vn ODA cho vay li t 3,35 nghn t ng, bng 35,3% k hoch nm; d n bnh qun tn dng xut khu t 13,8 nghn t ng, bng 138% k hoch nm.

vic lm mi nm 2009 t khong 1,51 triu ngi, bng 89% k hoch nm 2009 v gim 6,5% so vi nm 2008. T l tht nghip thnh th nm 2009 tng nh ln 4,66% t mc 4,65% ca nm 2008. S lng lao ng i xut khu t khong 73.000 lao ng, gim 16% so vi nm 2008. Thu nhp tnh chung c nm tng do Nh nc iu chnh lng ti thiu t 1/5/2009 tng 20%. Theo kho st ca B Lao ng Thng binh v X hi, nm 2009, tin lng bnh qun ca ngi lao ng trong cc doanh nghip c t 2,75 triu ng/ thng, tng 6,5% so vi nm 2008.

Thu chi Ngn sch Nh ncBi chi NSNN nm 2009 l 6,9%GDP, cao hn so vi mc bi chi 4,48%GDP ca nm 2008 ch yu do tc ng ca suy thoi kinh t th gii v Chnh ph thc hin cc bin php kch thch nn kinh t. Thu NSNN gim 6,3% so vi nm 2008 ch yu do: (i) xut khu st gim hu ht cc mt hng, c bit l du th gim c v lng v gi; (ii) tc ng ca suy gim kinh t khin cho sc tiu th hng ho gp

Lao ng, thu nhpTh trng lao ng: Nhu cu st gim c trong nc v xut khu lao ng. S

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nhiu kh khn; (iii) Chnh ph thc hin cc chnh sch min, gim v gin thu. Chi NSNN tng 8,76% so vi nm 2008 l do: (i) Chnh ph y mnh chi u t pht trin v an sinh x hi nhm thc hin chng trnh kch cu u t v tiu dng (ii) iu chnh tng lng ti thiu i vi khu vc hnh chnh s nghip tc ng lm tng chi thng xuyn.

Din bin lm phtCh s gi tiu dng thng 12/2009 so vi cng k ch tng 6,52%; ch s gi tiu dng bnh qun nm 2009 so vi nm 2008 tng 6,88%; thp hn nhiu so vi mc tng tng ng ca nm 2008 l 19,89% v 22,97%. Lm pht gim trong 3 thng u nm do cc nhn t bn cu (u t v tiu dng tng mc thp), nhn t chi ph gim do tc ng ca suy thoi kinh t th gii v lm pht k vng gim. T thng 4/2009 lm pht c xu hng tng do tc ng tng hp ca cc yu t: (i) Cu ko: u t, tiu dng tng do tc ng ca cc gii php kch cu ca Chnh ph, iu chnh tng lng ti thiu t thng 5/2009 i vi khu vc hng lng v tr cp t ngn sch; th trng ti sn phc hi v k vng lm pht c xu hng gia tng; (ii) Chi ph y: gi mt s mt hng nh nc qun l (in, than, gi nc sch) tng ph hp vi din bin gi th trng, gi cc mt hng c bn th gii c xu hng tng tc ng lm tng gi thnh v mt bng gi trong nc (gi xng trong nc iu chnh tng 9 ln vi tng mc tng 45%).

so vi u nm v bt u phc hi t qu II. Mc vn huy ng th trng nm 2009 t 21.000 t ng; vn ho th trng chim 38%GDP. Kt thc nm 2009, ch s VNIndex t 494,77 im, tng 56,8% so vi cui nm 2008, tng 110% so vi im y ngy 24/2/2009 v t mc cao nht 624,1 im ngy 22/10. Gi tr giao dch trung bnh t 2.800 t ng/phin, cao gp i mc 1.400 t ng/phin ca nm 2008. Gi vng trong nc tng 60% so vi cui nm 2008. Din bin gi vng trong nc bm st theo gi vng th gii v t nh im vo thng 11/2009 mc 29,40 triu ng/lng do cng hng ca yu t gi vng th gii, t gi VND/USD tng v yu t u c. Ti nhiu thi im, gi vng trong nc cao hn so vi gi vng th gii t 2-3 triu ng/lng. T u thng 12 gi vng st gim nhanh chng ch yu do gi vng th gii gim. Th trng bt ng sn ci thin so vi nm 2008 c bit phn khc nh x hi di tc ng ca gi kch cu ca Chnh ph. Gi t tng cc b ti mt s thi im trong thng 5 v thng 6 v t nh im tng 40% vo thng 10/2009 do u c gia tng khi c s thay i quy hoch h tng v k vng v gi khi thu nhp ca dn c tng. ng thi, din bin kinh t v m ci thin gp phn h tr th trng nh t.

Din bin cc th trng chng khon, vng, bt ng snTh trng chng khon trong nc din bin cng chiu vi din bin ca th trng chng khon th gii v din bin kinh t trong nc. Qu I gim mnh (khong 25%) BO CO THNG NIN NGN HNG NH NC VIETNAM

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CN CN THANH TON QUC T V TNH HNH XUT NHP KHUn cn thanh ton tng th nm 2009 thm ht 8,17 t USD do nhng tc ng bt li ca cuc khng hong ti chnh v suy thoi kinh t ton cu, ngun thu t giao dch vng lai v giao dch vn u gim, c bit l xut khu hng ha, FDI, kiu hi.

C

Cn cn vng laiCn cn vng lai thm ht 7,44 t USD tng ng 7,7% GDP, c thu hp ng k so vi nm 2008. Cn cn thng mi thm ht 8,3 t USD, gim 35% so vi nm 2008. Trong xut khu hng ha theo gi FOB gim 8,9%, nhp khu hng ha theo gi FOB gim 13,3% so vi nm 2008. Tuy nhin, thm ht cn cn thng mi vn l mt trong nhng nguyn nhn chnh dn n thm ht cn cn vng lai. Cn cn dch v thm ht 1,13 t USD, cao hn 23,4% so vi nm 2008 do thu dch v gim mnh hn chi dch v. Thu dch v gim 18,1% so vi nm 2008, trong thu t dch v du lch (chim khong 50% tng thu dch v) gim mnh. Cc ngnh dch v

khc nh vn ti, hng khng, bo him u gim. Chi dch v gim 13,3% so vi nm 2008, trong chi ph vn ti v bo him, hin chim t trng ln trong tng chi dch v, cng gim 13,3% so vi nm 2008 do nhp khu st gim. Chi nhp khu ca cc ngnh dch v khc nh ti chnh, vn ti, bo him u gim so vi nm 2008. Chuyn tin mt chiu thng d 6,53 t USD, gim 10,7% so vi nm 2008. Trong chuyn tin mt chiu ca khu vc t nhn gim 11,6%, chuyn tin mt chiu ca khu vc Chnh ph mc tng ng so vi nm 2008. Thu nhp u t thm ht 4,53 t USD, gim 3% so vi nm 2008. Thu nhp gm thu t li tin gi ca h thng ngn hng v thu t li nhun u t ca cc doanh nghip Vit Nam ti nc ngoi c gim 44,6% so vi nm 2008. Chi ca hng mc thu nhp u t gim 8,2% so vi nm 2008 do li nhun nh u t nc ngoi c hng trong lnh vc du kh gim cng vi xu hng gim gi du th trn th trng th gii.

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Cn cn vn v ti chnhCn cn vn v ti chnh thng d 11,45 t USD, gim 7,2% so vi nm 2008. Trong : Vn u t trc tip nc ngoi (FDI) rng vo Vit Nam t 6,9 t USD, gim 25,6% so vi nm 2008. Lung vn vo di hnh thc vay n nc ngoi tng nhng c cu vay n c s thay i theo hng gia tng vay n trung, di hn, gim vay n ngn hn. Thng d vn vay trung v di hn t 4,47 t USD, gp 4,5 ln nm 2008, trong khi thng d vn vay n ngn hn t 256 triu USD ch bng 13% nm 2008. Vn u t gin tip nc ngoi (FII) rng chuyn sang thng d 128 triu USD sau khi thm ht 578 triu USD trong nm 2008. n cui nm 2009, theo c tnh ca y ban Chng khon Nh nc Vit Nam, tng gi tr danh mc u t ca nh u t nc ngoi trn th trng chng khon Vit Nam khong 6,7 t USD, chim khong 20% so vi gi tr vn ha ca th trng chng khon Vit Nam. Tin v tin gi ca h thng ngn hng ti nc ngoi chuyn sang thm ht 305 triu USD so vi mc thng d 677 triu USD ca nm 2008.

Tnh hnh xut, nhp khuNm 2009, do gi hng ha trn th trng th gii st gim lm gim st kim ngch xut, nhp khu hng ha ca Vit Nam. Tng kim ngch xut, nhp khu hng ha nm 2009 t 127 t USD, gim 11,4% so vi nm 2008, trong kim ngch xut khu hng ha t 57 t USD, gim 8,9%; kim ngch nhp khu hng ha (theo gi CIF) l 69,95 t USD, gim 13,3% so vi nm 2008 (tnh theo gi FOB, kim ngch nhp khu hng ha l 65,4 t USD). Thm ht cn cn thng mi1 c thu hp so vi nm 2008, xung cn 8,3 t USD. Nhp siu2 mc 12,85 t USD, tng ng 22,51% kim ngch xut khu hng ha, gim so vi mc 28,76% ca nm 2008. V c cu mt hng xut khu: c 13 mt hng t kim ngch xut khu trn 1 t USD gm thu sn, c ph, go, than , du th, xng du cc loi, cao su, g v sn phm g, dt may, giy dp cc loi, qu kim loi qu v sn phm, my vi tnh sn phm in t v linh kin, my mc thit b, dng c ph tng khc. Kim ngch xut khu dt may vt qua du th v dn u vi tr gi 9,1 t USD. So vi nm 2008, cc mt hng xut khu ch lc ca Vit Nam vn t mc tng trng kh cao v lng,

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nht l mt hng nng sn. Lng go xut khu nm 2009 t 5,96 triu tn, tng 25,4% so vi nm 2008 v l mc cao nht t trc ti nay. V c cu mt hng nhp khu: c 17 mt hng nhp khu t kim ngch nhp khu trn 1 t USD gm thc n gia sc v nguyn liu, xng du, ho cht, sn phm ha cht, dc phm, phn bn, cht do nguyn liu, sn phm t cht do, vi cc loi, nguyn ph liu dt may da giy, st thp cc loi, sn phm t st thp, kim loi thng khc, my vi tnh sn phm in t v linh kin, my mc thit b dng c ph tng khc, t nguyn chic cc loi, linh kin ph tng t. V i tc xut nhp khu: kim ngch thng mi ca Vit Nam vi cc th trng xut nhp khu truyn thng u gim st. So vi nm 2008, kim ngch xut khu ca Vit Nam sang th trng M gim 4,3%, cc nc ASEAN gim 14,1%, khi EU gim 13,6%, Nht Bn gim 26,3%.

Trung Quc tip tc l i tc thng mi ln nht ca Vit Nam vi tng kim ngch hng ho xut nhp khu gia 2 nc t 21,35 t USD, chim 16,8% trong tng kim ngch xut nhp khu ca Vit Nam. Nhp siu ca Vit Nam vi Trung Quc mc 11,53 t USD, chim 89,7% mc nhp siu ca Vit Nam. Xt v th trng xut khu, M tip tc l th trng xut khu ln nht ca Vit Nam. Kim ngch xut khu hng ho sang th trng M trong nm 2009 t 11,36 t USD gim 4,3% so vi cng k nm 2008.

1 Cn cn thng mi l s chnh lch gia kim ngch xut khu hng ha v kim ngch nhp khu hng ha theo gi FOB. 2 Nhp siu l chnh lch gia kim ngch xut khu hng ha theo gi FOB v kim ngch nhp khu hng ha theo gi CIF.

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DIN BIN TIN TTng phng tin thanh tonng phng tin thanh ton tng 28,99% trong nm 2009, cao hn so vi tc tng 20,31% ca nm 2008 ch yu do tn dng i vi nn kinh t tng cao. C cu Tng phng tin thanh ton tip tc chiu hng thay i tch cc vi t trng tin mt t 14,01%, gim so vi mc 14,6% ca nm 2008 (nm 2007 l 16,36% v nm 2006 l 17,21%). iu ny cho thy cc hnh thc thanh ton khng dng tin mt tng mnh hn l cc hnh thc thanh ton bng tin mt. T trng tin gi bng

T

ngoi t trong tng phng tin thanh ton tng nh t mc 20,37% trong nm 2008 ln mc 20,41% trong nm 2009.

Huy ng vn t nn kinh tHuy ng vn ca h thng ngn hng tng 29,88%, cao hn so vi mc 22,84% ca nm 2008. Trong , huy ng vn bng VND tng 30,07% (nm 2008: tng 21,38%), huy ng bng ngoi t tng 29,29% (nm 2008: tng 27,74%). Huy ng vn tng nhanh trong 6 thng u nm, t mc bnh qun trn 3%/thng

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(thng 5/2009 tng mnh nht, mc 4,02%). Tuy nhin, trong 6 thng cui nm, tc tng trng huy ng vn chm li, bnh qun tng 1,67%/thng (thng 8/2009 tng thp nht, mc 0,82%).

Tn dng i vi nn kinh tTng d n tn dng cho nn kinh t ca h thng ngn hng tng 37,53%, cao hn nhiu so vi mc tng 23,38% ca nm 2008 ch yu do tc ng ca cc chnh sch kch thch kinh t, p ng nhu cu vn cho pht trin kinh t ca t nc. Trong , tn dng bng VND tng 43,51%, cao hn nhiu so vi nm 2008 (tng 25,02%), tn dng bng ngoi t tng 15,12%, thp hn so vi nm 2008 (tng 17,62%).

Trong 2 thng u nm 2009, tn dng VND tng thp theo xu hng t na cui nm 2008. T thng 3 n thng 9/2009, tn dng tng mnh tr li hng ng v tranh th chnh sch kch cu, h tr li sut ca Chnh ph nhm ngn chn suy gim kinh t. Tuy nhin, mc tng chm li trong 3 thng cui nm 2009 do mc c h tr li sut gim dn. C cu tn dng ngn hng phn theo cc ngnh kinh t thay i khng nhiu so vi t trng ca nm 2008. T trng tn dng phc v pht trin nng thn chim 22,8% (nm 2008: 28,84%); ngnh thng nghip chim 19,2% (nm 2008: 18,67%). T trng tn dng i vi ngnh khc nh cng nghip

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chim 26,5%; xy dng chim 12,9% ; vn ti, kho bi, thng tin lin lc chim 5,4%, t bin ng so vi nm 2008.

Din bin li sutNm 2009, li sut huy ng v cho vay bng VND c xu hng tng. Trong , li sut huy ng tng cao hn so vi mc tng li sut cho vay, dn n chnh lch gia li sut huy ng-cho vay c xu hng b thu hp. Li sut huy ng VND trong 2 thng u nm 2009 c xu hng gim khong 1-2%/nm so vi cui nm 2008. Tuy nhin, t cui thng 2/2009, li sut huy ng VND lun c sc p tng, ch yu do nhu cu vay vn tn dng ln trin khai cc c ch h tr li sut, cc doanh nghip v h sn xut thc hin cc phng n sn xut kinh doanh, d n u t theo chng trnh kch thch u t ca Chnh ph, cc NHTM kh khn trong vic cn i vn huy ng t th trng cho vay. n 31/12/2009, mt bng li sut huy ng ca cc k hn t 1 thng tr ln mc 10-10,49%/nm. Li sut cho vay VND trong 2 thng u nm 2009 gim khong 1,5-2,5%/nm so vi cui nm 2008 v tng i n nh n ht thng 11/2009, nhng lun st mc

li sut cho vay ti a l 10,5%/nm (150% li sut c bn). T ngy 01/12/2009, sau khi NHNN iu chnh tng li sut c bn t 7%/nm ln 8%/nm, cc TCTD iu chnh li sut cho vay ln mc ti a 12%/nm. i vi cc nhu cu vn phc v i sng v cho vay thng qua nghip v pht hnh v s dng th tn dng, li sut cho vay mc cao hn li sut cho vay thng thng khong 3-5%/nm. n 31/12/2009, li sut cho vay thng thng ph bin mc 12%/ nm, li sut cho vay cc nhu cu vn phc v i sng, cho vay thng qua th tn dng ph bin mc t 15-17%/nm.

Din bin th trng ngoi hiCung cu ngoi t nm 2009 lun c nhng din bin phc tp, to nhiu sc p ln t gi hi oi, nguyn nhn ch yu l do tc ng ca cc yu t: (i) thm ht cn cn thng mi; (ii) khng hong ti chnh ton cu tc ng n tm l gm gi ngoi t: nhiu doanh nghip xut khu gm gi, khng bn ngoi t nn NHTM khng ngoi t iu ho cho nn kinh t. (iii) tc ng ca chnh sch h tr li sut i vi cc doanh nghip vay bng VND: do li sut vay VND thp, phm vi v thi gian cho vay c m rng, mt s doanh nghip c

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ngoi t khng mun bn ngoi t, mun vay VND; (iv) cc ngun thu ngoi t nh t xut khu, kiu hi, du lch, FDI, FII u gim so vi cc nm trc. T gi VND/USD: T gi bnh qun lin ngn hng cui nm 2009 mc 17.941 VND/USD, tng 5,69% so vi u nm. T gi mua - bn VND/USD ca cc ngn hng thng mi tng khong 5,6% so vi thi im u nm, giao dch quanh mc 18.479 VND/USD. T gi VND/EUR: T gi mua - bn VND/EUR tng khong 2.200/2.300 VND/ EUR, tng ng tng 9,2%, t mc 24.200/24.700 VND/EUR thi im ngy 04/01/2009 ln mc 26.400/27.000 VND/ EUR thi im ngy 31/12/2009.

cui nm, do nhu cu vn tng cao p ng cc chng trnh kch thch kinh t ca Chnh ph tc ng lm tng li sut trn th trng lin ngn hng bng VND. Li sut qua m thng 8/2009 t 7,5-8%/nm; thng 12/2009 ph bin t 10,5-11%/nm. Cc TCTD ch yu giao dch cc k hn ngn, cho thy vn vay trn th trng ngn hng ch yu l p ng kh nng thanh khon ca cc TCTD. Quy nh giao dch th trng lin ngn hng: m bo hot ng trn th trng lin ngn hng c n nh, nng cao kh nng qun tr ngun vn, m bo an ton trong hot ng ca cc TCTD, NHNN quy nh cc TCTD giao dch trn th trng lin ngn hng tp trung ti Hi s chnh, khng giao quyn cho chi nhnh ca mnh thc hin huy ng, cho vay i vi cc TCTD khc.

Th trng lin ngn hngQuy m giao dch: tng doanh s giao dch lin ngn hng ca cc TCTD trong nm 2009 t 3.538 nghn t ng, tng 7,3% so vi nm 2008, gp phn h tr v m bo cho hot ng thanh ton ca h thng ngn hng thng sut. Li sut lin ngn hng: tng i n nh trong 6 thng u nm, li sut qua m ph bin t 6-7%/nm. Trong 6 thng

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IU HNH CC CNG C CHNH SCH TIN Tm 2009, NHNN iu hnh CSTT theo hng ni lng thn trng, h tr thanh khon, to iu kin cho cc TCTD m rng tn dng hiu qu gp phn thc hin cc Ngh quyt ca Quc hi v Chnh ph v vic ngn chn suy gim kinh t, n nh kinh t v m, kch cu u t, tiu dng, y mnh xut khu, ch ng phng nga lm pht v m bo an ton h thng.

N

nghip v th trng m khng cao vi doanh s trng thu ch t 74% so vi lng tin cho mua ca NHNN. Khi lng trng thu bnh qun mi phin t khong 1.000 t ng/phin. Na cui nm 2009, nhm p ng nhu cu vn ca cc TCTD c xu hng tng cao theo cc chng trnh kch cu ca Chnh ph, NHNN tng khi lng cho mua qua nghip v th trng m, khi lng trng thu bnh qun cc phin cho mua tng mnh, t 95% khi lng cho mua ca NHNN v t khong 6.000 t ng/phin, gp 6 ln so vi mc 6 thng u nm. c bit trong na u thng 12, NHNN cho mua qua knh nghip v th trng m vi khi lng bnh qun xp x 15.000 t ng/phin h tr thanh khon cho cc TCTD do nhu cu thanh ton tng cao trong dp Tt dng lch. K hn cho mua c thc hin linh hot 7 ngy v 14 ngy vi li sut cho mua tng ng l 7%/nm v 7-8%/nm. ng thi, ch ng kim sot lm pht v iu tit linh hot vn kh dng ca cc TCTD trong h thng, NHNN thc hin cho bn tn phiu NHNN vi nh k 3 phin/tun, k hn 3 thng v 6 thng; phng thc u thu li sut, xt thu thng nht, nhng trong s 68 phin u thu bn tn phiu NHNN ch c 2 phin bn trng thu vi doanh s t 102 t ng. Cng vi vic iu hnh linh hot v thn trng cc cng c CSTT khc, nghip v th trng m gp phn n nh th NGN HNG NH NC VIETNAM

Nghip v th trng mNm 2009, nghip v th trng m c iu hnh linh hot, bm st din bin cung cu vn ca cc TCTD. Cc giao dch nghip v th trng m c thc hin hng ngy, ch yu l cc giao dch mua giy t c gi vi k hn ngn (7, 14 ngy); phng thc u thu khi lng, cng b li sut v khi lng nhm n nh th trng; li sut c iu chnh theo mc tiu iu hnh v pht tn hiu iu hnh ca NHNN; khi lng cho mua ph hp vi mc tiu iu tit linh hot vn kh dng, h tr thanh khon, m bo kh nng thanh ton. Na u nm 2009, NHNN thc hin cc phin cho mua k hn 14 ngy, li sut gim dn t 9%/nm xung 7%/nm cung ng vn ngn hn cho nn kinh t, to iu kin cho cc TCTD p ng nhu cu vn cho cc chng trnh kch thch tng trng kinh t. Tuy nhin, chng trnh kch thch tng trng kinh t ang giai on u, nhu cu vn ca nn kinh t cha cao, ngun vn ca cc TCTD vn c d tha nn nhu cu tham gia cc phin cho mua BO CO THNG NIN

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trng tin t, m bo an ton thanh ton cho h thng cc TCTD; ng thi, li sut giao dch trn th trng lin ngn hng c xu hng xoay quanh li sut cho mua qua nghip v th trng m.

Ngn hng Nng nghip v pht trin nng thn, iu chnh gim t 3% - 2% - 1% i vi k hn di 12 thng v gi nguyn t l DTBB 1% i vi k hn t 12 thng tr ln. T l DTBB bng ngoi t c gi nguyn nh nm 2008, mc 7% i vi tin gi di 12 thng, 3% i vi tin gi t 12 thng tr ln, duy tr n nh li sut ngoi t. Ring Ngn hng Nng nghip v pht trin nng thn, t l DTBB bng ngoi t l 6% i vi tin gi di 12 thng, 2% i vi tin gi t 12 thng tr ln. i vi li sut tin gi DTBB bng VND, NHNN iu chnh gim t 8,5%-3,6%-1,2%/ nm. Li sut i vi tin gi vt DTBB bng ngoi t gim t 0,5%/nm xung 0,1%/nm. Vic iu chnh gim cc mc li sut nh nu trn l ph hp vi cc mc li sut iu hnh khc ca NHNN v khuyn khch cc TCTD s dng c hiu qu ngun vn huy ng t nn kinh t.

Ti cp vnNHNN tip tc s dng cng c ti cp vn nh l hnh thc cp tn dng c bo m ca NHNN nhm cung ng vn ngn hn v phng tin thanh ton cho cc TCTD. Theo , NHNN thc hin ti cp vn vi k hn 1 thng v 3 thng ch yu cung ng phng tin thanh ton cho nn kinh t. Li sut cho vay ti cp vn t 7-8%/nm. Cc TCTD tham gia vay ti cp vn tp trung ch yu vo cui nm 2009 nhm p ng kp thi nhu cu rt tin gi ca cc t chc kinh t v dn c chi tiu trong dp Tt dng lch.

Hon i ngoi tNHNN thc hin hon i ngoi t vi cc TCTD gp kh khn tm thi v ngun vn bng VND, to iu kin cho cc TCTD cn i gia ngun vn v s dng vn VND v ngoi t, gp phn n nh th trng tin t v tng d tr ngoi hi nh nc. K hn giao dch hon i ngoi t c thc hin l 3 thng, 6 thng, 12 thng vi li sut tng ng l 6%/nm; 6,25% v 6,5%/ nm. n cui nm 2009, NHNN ch thc hin giao dch i vi cc k hn 3 thng v 6 thng vi li sut c iu chnh tng tng ng ln mc 7,75%/nm v 8%/nm.

iu hnh li sutNm 2009, NHNN tip tc iu hnh li sut theo c ch li sut c bn, theo cc TCTD n nh li sut huy ng v cho vay bng VND khng qu 150% li sut c bn. Tuy nhin, i vi cc nhu cu vay vn phc v i sng, cho vay thng qua nghip v pht hnh, s dng th tn dng, NHNN ban hnh Thng t s 01/2009/ TT-NHNN ngy 23/1/2009, cho php cc TCTD c thc hin c ch li sut tha thun. gim mt bng li sut cho vay, p ng nhu cu vn cho nn kinh t pht trin, nht l nhng lnh vc u tin, sn xut kinh doanh c hiu qu, thng 2/2009, NHNN iu chnh gim li sut c bn t 8,5% xung 7%/nm, v duy tr n nh n ht thng 11/2009. Li sut ti cp vn c iu chnh gim 2 ln t 9,5%/ nm xung 8%/nm (thng 2) v xung 7%/ nm (ngy 10/4/2009); li sut ti chit khu NGN HNG NH NC VIETNAM

D tr bt bucNgay t u nm 2009, h tr cc TCTD tng cng cung ng vn cho nn kinh t, chng suy gim kinh t, NHNN 2 ln iu chnh gim t l DTBB bng VND i vi k hn di 12 thng: t 6% - 5% 3% v 1 ln iu chnh gim t 2%-1% i vi k hn t 12 thng tr ln; ring i vi BO CO THNG NIN

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c iu chnh gim 2 ln t 7,5% xung 6%/nm (thng 2) v xung 5%/nm (ngy 10/4/2009). Trong thng 12/2009, kim sot cht ch quy m v cht lng tn dng, ph hp vi cc mc tiu kinh t v m theo Ngh quyt ca Quc hi v ch trng ca Chnh ph, ng thi to iu kin cho cc TCTD huy ng cc ngun vn t nn kinh

t m rng kinh doanh v p ng cc nhu cu vn sn xut - kinh doanh c hiu qu, NHNN iu chnh tng li sut c bn t 7%/nm ln 8%/nm, li sut ti cp vn t 7%/nm ln 8%/nm, li sut ti chit khu t 5%/nm ln 6%/nm.

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CHNG TRNH H TR LI SUTm 2009, NHNN t chc ch o trin khai kp thi, quyt lit cc c ch h tr li sut theo cc quyt nh ca Th tng Chnh ph, nhm ngn chn suy gim kinh t, thc y sn xut kinh doanh pht trin v coi y l nhim v trng tm hng u ca ngnh Ngn hng trong nm 2009.

N

phc v sn xut nng nghip v vt liu xy dng nh khu vc nng thn, h tr li sut 4%/nm vi thi hn h tr ti a 12 thng. C ch h tr li sut i vi cc khon vay ti Ngn hng Chnh sch x hi: thc hin h tr li sut 4%/nm i vi tt c cc khon vay pht sinh trong khong thi gian t ngy 01/5/2009 n 31/12/2009, thi hn h tr ti a 24 thng. C ch h tr li sut i vi cc khon vay ti Ngn hng Pht trin Vit Nam, Qu u t pht trin a phng: thc hin h tr li sut 4%/nm i vi cc khon vay trung, di hn pht sinh trong khong thi gian t ngy 01/4/2009 n 31/12/2009, thi hn h tr ti a 24 thng. Theo cc quy nh v c ch h tr li sut, t chc, c nhn vay vn c h tr li sut ti NHTM, cng ty ti chnh theo c ch cho vay thng thng; cc TCTD kin quyt khng c ni lng cc iu kin cho vay; vay vn c h tr li sut ti Ngn hng Pht trin Vit Nam v Ngn hng Chnh sch x hi Vit Nam theo c ch cho vay u i ca Chnh ph; vay vn c h tr li sut ti Qu u t pht trin a phng theo quy nh ca Chnh ph v hng dn ca B Ti chnh. Phng thc h tr li sut l khi cc NHTM, cng ty ti chnh, Ngn hng Chnh sch x hi, Ngn hng Pht trin Vit Nam v Qu u t pht trin a phng thu li tin vay ca khch hng, th gim tr s li tin vay phi tr cho khch hng tng ng vi s li tin vay c h tr li sut.

C ch h tr li sutNHNN phi hp vi cc B, Ngnh lin quan trin khai kp thi cc c ch h tr li sut theo ch o ca Th tng Chnh ph: C ch h tr li sut cho cc t chc, c nhn vay vn ngn hng sn xut kinh doanh: cc NHTM, cng ty ti chnh thc hin h tr li sut 4%/nm i vi cc khon vay ngn hn pht sinh trong khong thi gian t ngy 01/02/2009 n 31/12/2009, thi hn h tr ti a 08 thng. C ch h tr li sut cho cc t chc, c nhn vay vn trung, di hn ngn hng thc hin d n u t mi pht trin sn xut - kinh doanh: cc NHTM, cng ty ti chnh thc hin h tr li sut 4%/nm i vi cc khon vay trung, di hn pht sinh trong khong thi gian t ngy 01/4/2009 n 31/12/2009, thi hn h tr ti a 24 thng. C ch h tr li sut vn vay mua my mc thit b, vt t phc v sn xut nng nghip v vt liu xy dng nh khu vc nng thn: cc NHTM, cng ty ti chnh thc hin h tr li sut i vi cc khon vay pht sinh trong khong thi gian t ngy 01/5/2009 n 31/12/2009; i vi khon vay mua my mc, thit b, h tr 100% li sut tin vay vi thi hn h tr ti a 24 thng; i vi khon vay mua vt t BO CO THNG NIN

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31/12/2009 ca cc NHTM, cng ty ti chnh, Ngn hng Pht trin Vit Nam, Ngn hng Chnh sch x hi t 385.824 t ng. Trong , d n cho vay h tr li sut ca cc NHTM, cng ty ti chnh l 347.594 t ng; d n cho vay h tr li sut ca Ngn hng Pht trin Vit Nam l 12.265 t ng; d n cho vay h tr li sut ca Ngn hng Chnh sch x hi Vit Nam l 25.965 t ng. Trong d n cho vay h tr li sut ca cc NHTM, cng ty ti chnh: (i) Phn theo i tng khch hng vay: doanh nghip Nh nc l 59.548 t ng (chim 17,13%), doanh nghip ngoi Nh nc l 245.105 t ng (70,51%), h sn xut 42.941 t ng (12,35%); (ii) Phn theo vng kinh t: vng ng bng Sng Hng l 107.131 t ng (chim 30,87%), vng ng Bc l 24.822 t ng (chim 7,14%), vng Ty Bc l 3.883 t ng (chim 1,12%), vng Bc Trung B l 17.030 t ng (chim 4,9%),

vng Duyn hi Nam Trung B l 22.912 t ng (chim 6,59%), vng Ty Nguyn l 14.982 t ng (chim 4,31%), vng ng Nam B l 98.750 t ng (chim 28,41%), vng ng bng Sng Cu Long l 59.901 t ng (chim 16,66%). Trong bi cnh nn kinh t nc ta b nh hng tiu cc ca khng hong ti chnh v suy thoi kinh t th gii, vic thc hin c ch h tr li sut t c s nht tr, ng h, ng thun cao ca c h thng chnh tr, ngi dn v cng ng doanh nghip; cc t chc ti chnh, tin t quc t nh gi l gii php mang tnh c th ca Vit Nam. y l mt trong nhng nhng gii php kch thch kinh t c la chn ti u vi chi ph thp, t c mc tiu l h tr doanh nghip, h sn xut duy tr sn xut - kinh doanh, m rng u t, gim gi thnh tng kh nng cnh tranh, to vic lm, gp phn thc hin mc tiu hng u l ngn chn suy gim kinh t.

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Cc vn bn ch o lin quan n chng trnh h tr li sutC ch h tr li sut i vi khon vay ngn hn bng VND: - Quyt nh s 131/Q-TTg ngy 23/1/2009 v/v h tr li sut cho cc t chc, c nhn vay vn ngn hng sn xut - kinh doanh. - Quyt nh s 333/Q-TTg ngy 10/3/2009 sa i, b sung mt s iu ca Quyt nh 131/Q-TTg ngy 23/01/2009 ca Th tng Chnh ph v h tr li sut cho cc t chc, c nhn vay vn ngn hng sn xut- kinh doanh. - Thng t s 02/2009/TT-NHNN ngy 03/02/2009 Quy nh chi tit thi hnh vic h tr li sut cho cc t chc v c nhn vay vn ngn hng sn xut-kinh doanh. - Thng t s 04/TT-NHNN ngy 13/3/2009: Sa i, b sung thng t s 02/2009/TT-NHNN ngy 3/2/2009 quy nh chi tit v h tr li sut cho cc t chc, c nhn. C ch h tr li sut i vi khon vay trung, di hn bng VND: - Quyt nh s 443/Q-TTg ngy 04/04/2009 ca Th tng Chnh ph v vic h tr li sut cho cc t chc, c nhn vay vn trung, di hn ngn hng thc hin u t mi pht trin sn xut - kinh doanh. - Thng t s 05/2009/TT-NHNN ngy 7/4/2009 Quy nh chi tit thi hnh vic h tr li sut i vi t chc, c nhn vay vn trung, di hn ngn hng thc hin u t mi sn xut-kinh doanh. - Thng t s 21/2009/TT-NHNN ngy 9/10/2009 sa i, b sung mt s iu ca Thng t s 05/2009/ TT-NHNN ngy 7/4/2009 ca Ngn hng Nh nc Vit Nam quy nh chi tit thi hnh vic h tr li sut i vi cc t chc, c nhn vay vn trung, di hn ngn hng thc hin u t mi pht trin sn xut kinh doanh. - Thng t s 24/2009/TT-NHNN ngy 14/12/2009 quy nh chi tit thi hnh vic h tr li sut i vi cc t chc, c nhn vay vn trung, di hn Ngn hng Pht trin Vit Nam v Qu u t pht trin a phng thc hin d n u t mi pht trin sn xut - kinh doanh. C ch h tr li sut i vi khon vay bng VND mua my mc, thit b, vt t phc v sn xut nng nghip v vt liu xy dng nh khu vc nng thn: - Quyt nh s 497/Q-TTg v h tr li sut vn vay my mc thit b, vt t phc v sn xut nng nghip v vt liu xy dng nh khu vc nng thn. - Quyt nh 2095/Q-BCT v vic ban hnh Danh mc chi tit hng ho sn phm trong nc c hng h tr li sut vn vay theo Quyt nh s 497/Q-TTg ngy 17/4/2009 ca Th tng Chnh ph. - Thng t s 09/2009/TT-NHNN ngy 05/5/2009 quy nh chi tit thi hnh vic h tr li sut vay vn mua my mc, thit b, vt t phc v sn xut nng nghip v vt liu xy dng nh khu vc nng thn. C ch h tr li sut i vi khon vay bng VND ca ngi ngho v cc i tng chnh sch khc ti NHCSXH: - Quyt nh 579/Q-TTg ngy 06 thng 5 nm 2009 ca Th tng Chnh ph v vic h tr li sut i vi cc khon vay ti Ngn hng Chnh sch x hi. - Quyt nh 622/Q-TTg ngy 17 thng 5 nm 2009 ca Th tng Chnh ph sa i, b sung Quyt nh s 579/Q-TTg ngy 06 thng 5 nm 2009 ca Th tng Chnh ph v vic h tr li sut i vi cc khon vay ti Ngn hng Chnh sch x hi. - Thng t s 14/2009/TT-NHNN Quy nh chi tit thi hnh vic h tr li sut i vi cc khon vay ca ngi ngho v cc i tng chnh sch khc ti Ngn hng Chnh sch x hi. Cc vn bn hng dn vic thc hin c ch h tr li sut: - Cng vn s 1436/NHNN-CSTT ngy 3/3/2009 v cng vn s 2244/NHNN-CSTT ngy 2/4/2009 v hng dn thc hin c ch h tr li sut. - Cng vn s 1183/NHNN-TCKT ngy 23/2/2009 v 4700/NHNN-TCKT ngy 22/6/2009 hng dn hch ton h tr li sut cho NHTM v cng ty ti chnh. Cng vn s 4723/NHNN-TCKT v vic hch ton h tr li sut i vi NH Pht trin Vit Nam.

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QUN L NGOI HIm 2009, NHNN thc hin tt chnh sch qun l ngoi hi lin quan n iu hnh t gi, gim st th trng ngoi t, qun l d tr ngoi hi nh nc, qun l cc giao dch vng lai v qun l cc giao dch vn.

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cc bin php ng b nu trn, th trng ngoi hi c duy tr n nh, thanh khon trn th trng tng ln, nhu cu ngoi t v c bn c bo m.

iu hnh t giiu hnh t gi linh hot, theo tn hiu th trng v phi hp vi chnh sch li sut thng qua vic iu chnh bin t gi v t gi bnh qun lin ngn hng. Can thip cung cu ngoi t trn th trng mc hp l to thanh khon trn th trng, h tr ngoi t cho nhu cu nhp khu hng ha thit yu, phc v hot ng sn xut kinh doanh. Tng cng thanh tra, gim st hot ng kinh doanh ngoi t ca cc TCTD c php. Chn chnh cc TCTD mua bn ngoi t theo ng quy nh. Phi hp vi cc B, Ngnh trin khai cc bin php chng bun bn ngoi t tri php trn th trng ch en. Tng cng phi hp vi cc B, Ngnh, c bit l B Cng thng trong vic kim ch nhp siu, h tr cn bng cung cu ngoi t trong nc. Cng b nhng thng tin v kinh t v m ngi dn v doanh nghip hiu r hn v tnh hnh kinh t t nc v cc chnh sch ca NHNN. n thi im cui nm, trc p lc nhp siu ln v phng nga lm pht cao tr li, ngy 25/11/2009, NHNN iu chnh tng t gi bnh qun trn th trng ngoi t lin ngn hng thm 5,44%, nhng gim bin gia t gi mua, bn giao ngay ca cc TCTD so vi t gi bnh qun ngoi t trn th trng ngoi t lin ngn hng do NHNN thng bo t 5% xung 3%. Vi BO CO THNG NIN

Qun l D tr ngoi hi nh ncD tr ngoi hi nm 2009 c qun l an ton, hiu qu, p ng c cc nhu cu v ngoi t thit yu ca nn kinh t; gp phn h tr cho vic thc thi chnh sch t gi v iu hnh chnh sch tin t ca NHNN. ng thi, hot ng u t d tr ngoi hi vn tip tc sinh li, gp phn hn ch suy gim quy m d tr ngoi hi. thc hin cc mc tiu qun l v hn ch suy gim quy m d tr ngoi hi, NHNN phn tch th trng xy dng c cu, tiu chun, hn mc u t d tr ngoi hi ph hp trong tng thi k; tch cc m phn, k kt, gii ngn cc khon vay t cc chng trnh, d n vay vn, vin tr nc ngoi nhm mua thm ngoi t b sung d tr ngoi hi; xut vi Th tng Chnh ph ban hnh vn bn s 2579/TTg-KTTH ngy 23/12/2009 yu cu mt s Tp on, Tng cng ty Nh nc bn ngoi t di dng tin gi v cc ngun thu vng lai cho cc TCTD v ban hnh Thng t s 26/2009/ TT-NHNN ngy 30/12/2009 hng dn vic mua bn ngoi t trn tng cng ngun ngoi t p ng cc nhu cu ca nn kinh t, gim sc p i vi d tr ngoi hi.

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HOT NG THANH TRA GIM ST NGN HNGTnh hnh pht trin, hot ng ca h thng cc TCTD lng cc TCTD l i tng m NHNN gim st, thanh tra hin nay gm c: 5 NHTM Nh nc trong c 2 ngn hng hon thnh c phn ha l Ngn hng Ngoi thng Vit Nam v Ngn hng Cng thng Vit Nam; Ngn hng Chnh sch x hi; 37 NHTM c phn; 5 ngn hng Lin doanh; 40 chi nhnh Ngn hng nc ngoi; 5 ngn hng 100% vn nc ngoi; 16 cng ty ti chnh; 13 cng ty cho thu ti chnh; 49 vn phng i din TCTD nc ngoi; Qu tn dng nhn dn trung ng v 1.030 qu tn dng nhn dn c s. Tng vn ch s hu ca cc TCTD t 282.611,77 t ng, chim 9,32% tng ti sn, tng 37,43% so vi cui nm 2008. Trong , vn iu l l 200.873 t ng, tng 35,15% so vi cui nm 2008. Kt qu tng trng vn ch s hu v vn iu l cho thy cc TCTD quan tm n ngun ni lc, tng bc nng cao nng lc ti chnh ca mnh. Tng ti sn ca cc TCTD cng tip tc tng ln thng qua cc dch v nh: huy ng vn t cc t chc, c nhn; cp tn dng (cho vay, bo lnh) i vi nn kinh t v cc dch v khc. Nm 2009, tng ti sn ca ton h thng tng 36,39% so vi nm 2008. Khi NHTM Nh nc c Ti sn C chim t trng ln nht trong ton h thng 45,55% (nm 2008: 51,48%). T l n xu so vi tng d n tn dng ca ton h thng cc TCTD l 1,99%, thp hn so vi BO CO THNG NIN mc 2,13% ca cui nm 2008. Kt qu kinh doanh: Cc TCTD u c thu nhp ln hn chi ph, tuy nhin cc ch s ROA, ROE ca cc TCTD gim so vi cui nm 2008 do tc ng ca khng hong ti chnh v suy thoi kinh t ton cu.

S

Hot ng thanh tra, gim st v cng tc phng chng ra tinHot ng thanh tra Nm 2009, C quan Thanh tra, gim st Ngn hng v Thanh tra, gim st Ngn hng Nh nc 63 chi nhnh tnh, thnh ph tin hnh hn 1.000 cuc thanh tra, kim tra cc TCTD, tp trung ch yu vo cc ni dung: (i) thanh tra, kim tra cc TCTD trong vic cho vay h tr li sut, chp hnh ch qun l ngoi hi v tun th cc gii hn an ton trong hot ng ngn hng;(ii) thanh tra cho vay theo li sut tha thun i vi nhu cu vay vn phc v i sng, cho vay qua pht hnh v s dng th tn dng (iii) t chc thanh tra t xut hot ng cho vay TCTD. Cn c kt qu thanh tra, gim st, C quan Thanh tra, gim st ngn hng yu cu n v b kim tra, thanh tra chn chnh, khc phc cc sai phm, tn ti c pht hin. Phi hp cht ch vi cc c quan bo v php lut nm bt tnh hnh v x l kp thi lin quan ti hot ng ca cc TCTD. Hot ng gim st t xa Nghin cu, xy dng h thng gim st t xa c kh nng cnh bo sm i vi cc TCTD c vn v cc ri ro trong hot NGN HNG NH NC VIETNAM

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ng ngn hng: h thng gim st an ton vi m theo phng php CAMELS nhm gim st i vi cc TCTD ring l; h thng gim st an ton v m thc hin gim st cc ri ro, nguy c i vi cc TCTD; kim sot khng hong v cc s c trong hot ng ngn hng. Cng tc phng chng ra tin NHNN tip nhn, phn tch, x l cc giao dch ng ng t cc TCTD chuyn sang cc c quan nh nc c thm quyn thanh tra, iu tra, x l theo quy nh ca php lut. NHNN ban hnh Thng t s 22/2009/TT-NHNN ngy 17/11/2009

hng dn cc t chc c thnh lp v hot ng theo Lut cc t chc tn dng v cc t chc khc c hot ng ngn hng thc hin Ngh nh s 74 ngy 7/6/2005 ca Chnh ph v phng chng ra tin. NHNN thc hin tt vai tr C quan thng trc ca Ban Ch o phng, chng ra tin theo quyt nh s 470/Q-TTg ngy 13/4/2009 ca Th tng Chnh ph.

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CNG NGH NGN HNG V HOT NG THANH TONHin i ha h thng thanh tonm 2009, h thng thanh ton in t lin ngn hng giai on 2 c hon thnh v a vo vn hnh, nh du mt giai on mi ca h thng thanh ton ngn hng vi nhng thay i c bn v k thut, cng ngh tin tin, hiu nng x l v quy trnh nghip v hin i theo thng l quc t, p ng nhu cu thanh ton vi dung lng ngy cng cao ca nn kinh t. y cng l c hi m rng cc dch v ngn hng hin i, thay i t duy kinh doanh ngn hng truyn thng, nng cao hiu qu iu hnh chnh sch tin t. H thng c trin khai ti 63 NHNN chi nhnh tnh, thnh ph, 3 n v thuc NHNN, 81 t chc cung ng dch v thanh ton v trn 700 chi nhnh NHTM trong ton quc vi bnh qun 40.000-44.000 giao dch/ngy, doanh s t khong 70.000 t ng/ngy. H thng sn sng kt ni vi H thng thanh ton ca Kho bc Nh nc v cc h thng cn thit khc. H thng thanh ton b tr in t vn p ng tt cho nhu cu thanh ton ti cc a bn tnh, thnh ph vi chi ph r v hiu qu. Nm 2009, lng giao dch bnh qun t trn 18.000 giao dch/ngy vi gi tr bnh qun trn 8.500 t ng/ngy. pht trin dch v thanh ton th hiu qu p ng nhu cu cp bch hin nay, NHNN trnh v c Th tng Chnh ph ph duyt n xy dng Trung tm chuyn mch th thng nht kt ni cc h thng ATM ca cc lin minh th hin hnh thnh mt h thng thng nht trn ton quc, tng tnh thun tin cho ngi s dng dch v th ngn hng, thc y BO CO THNG NIN

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thanh ton bng th, gp phn thc hin ch trng ca Chnh ph pht trin thanh ton khng dng tin mt.

Hin i ha cc phng tin v dch v thanh tonTrong nm 2009, nhiu phng tin v dch v thanh ton mi, tin li v tin ch da trn nn tng ng dng cng ngh thng tin nh th ngn hng, Internet Banking, Mobile Banking, V in t, xut hin v dn i vo cuc sng. Cng vi vic pht hnh th a tin ch v u t thm POS ti cc n v chp nhn thanh ton th, cc NHTM cng quan tm n an ton, bo mt i vi th thanh ton. Tnh n cui nm 2009 c 46 t chc pht hnh th vi trn 180 thng hiu th. S lng th trong lu thng t trn 21,5 triu th (tng 54% so vi cui nm 2008), vt k hoch ra cho nm 2010 (15 triu th); h thng ATM t trn 9.700 my (tng gn 27% so vi nm 2008) v trn 34.000 POS/ EDC (tng 36% so vi nm 2008). Dch v tr lng qua ti khon c trin khai mnh m, t nhiu kt qu tch cc. n cui nm 2009 c 41,5% n v hng lng t Ngn sch Nh nc vi 1,44 triu cn b, cng chc nhn lng qua ti khon, chim 46% tng s ngi hng lng t Ngn sch Nh nc. Nhiu doanh nghip v t chc khc cng trin khai dch v tr lng qua ti khon.


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THNG TIN TN DNGm 2009, Trung tm thng tin tn dng (CIC) tip tc l knh cung cp thng tin tin cy, ng gp tch cc trong cng tc qun l ca NHNN v bo m hot ng kinh doanh tn dng an ton, hiu qu, gp phn vo vic n nh h thng ngn hng. c bit ti Bo co nh gi mi trng kinh doanh ca Ngn hng Th gii (WB) nm 2010, tip tc nh gi hot ng thng tin tn dng Vit Nam c bc ci thin, ch s v thng tin tn dng c duy tr, gp phn nng cao ch s tip cn tn dng (getting credit) ca Vit Nam ln hng 30/183 nc.

N

bng trong tip cn tn dng vi tt c khch hng vay. n 31/12/2009, CIC k kt hp ng cung cp thng tin vi trn 1000 TCTD, chi nhnh TCTD v cc t chc khc c hot ng ngn hng vi trn 10.000 ngi s dng. Tng s bo co thng tin cung cp nm 2009 l trn 800.000 bn, gp 2 ln nm 2008.

Trao i thng tin quc tCIC k kt v thc hin hp ng trao i thng tin vi cc hng thng tin quc t gip cc TCTD, doanh nghip Vit Nam trong giao dch lm n vi cc doanh nghip nc ngoi. Thng qua knh thng tin ny, CIC pht hin ra mt s cng ty nc ngoi c tnh hnh ti chnh yu hoc ngng hot ng nhng c du hiu la o vo Vit Nam cho cho vay vn, t cnh bo ti cc TCTD, cc doanh nghip trnh tn tht ln v kinh t.

Thu thp thng tinCIC thu thp thng tin v khch hng vay ti tt c cc TCTD hot ng theo Lut cc TCTD, mt s t chc khc c hot ng ngn hng nh Qu u t v pht trin th, Qu bo v mi trng, Qu bo lnh tn dng...Tng s h s khch hng ti kho d liu CIC n 31/12/2009 l gn 18 triu h s, vi tng d n cp nht vo kho d liu t trn 95% tng d n nn kinh t. Quy m kho d liu ca CIC c thit k v xy dng trn nn cng ngh tin hc hin i, c th truy xut thng tin tc thi qua website v kho lu tr d liu lch s duy tr 5 nm, c kim sot cht lng u vo cht ch. y l mt li th ln hot ng thng tin tn dng Vit Nam bc vo hi nhp quc t, h tr cho vic chm im, xp hng tn dng ni b khch hng vay ca cc TCTD.

Bn tin Thng tin tn dngBn thng tin tn dng ca CIC l n phm thng tin ni b trong h thng ngn hng, pht hnh 4 k/thng, xut bn hn 100.000 cun mi nm, cung cp thng tin tham kho v hot ng tn dng ngn hng, c ch chnh sch mi v tn dng, li sut, t gi; cc cnh bo v tnh hnh quan h tn dng ca nhng khch hng vay ti cc TCTD. Nm 2009, CIC chun b ng website cnh bo tn dng cung cp thng tin cnh bo v TCTD v khch hng ca TCTD, gip ngi s dng c c bc tranh ton din v khch hng vay, gp phn ngn nga, hn ch ri ro tn dng ng thi phc v chc nng gim st ca NHNN v hot ng tn dng ca cc TCTD, m bo an ton h thng ngn hng. NGN HNG NH NC VIETNAM

V cung cp thng tinCIC khng ngng ci tin v ra mt cc nhm sn phm a dng, gp phn m bo an ton h thng ngn hng ng thi ngn nga v hn ch ri ro trong hot ng kinh doanh ca cc TCTD, m bo cng BO CO THNG NIN

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KIM TON NI Bm 2009, NHNN trin khai kh ton din trn cc mt hot ng theo hng tip tc i mi hot ng kim ton ph hp vi thng l quc t v yu cu thc tin ca Vit Nam. NHNN thc hin kim ton bo co ti chnh ti 29 n v thuc NHNN (06 n v V, Cc v 23 NHNN chi nhnh tnh, thnh ph); kim ton tun th v hot ng ti 20 n v (09 n v V, Cc v 11 NHNN chi nhnh tnh, thnh ph); kim ton 10 d n u t xy dng (07 d n c Thng c ph duyt quyt ton v 03 d n hon thnh ang trnh Thng c ph duyt quyt ton); kim ton tin hc ti 13 n v NHNN (03 n v V, Cc; 10 n v NHNN chi nhnh tnh, thnh ph); kt hp kim ton bo co ti chnh v kim ton tun th, hot ng ti cc n v NHNN chi nhnh tnh, thnh ph, tin hnh kim ton hot ng kho qu ti 23 n v NHNN chi nhnh tnh, thnh ph c qun l kho tin.

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Nt ni bt trong vic ch o, iu hnh thc hin k hoch kim ton nm 2009 c s i mi ngay t khu lp k hoch, chun b cng v qu trnh thc hin kim ton. Kt qu kim ton phn tch, nh gi c nhng im mnh, tch cc v cng ch ra nhng im tn ti, nhng tim n ri ro trong hot ng; nhng vng mc trong qu trnh thc hin c ch, chnh sch hin hnh. Trn c s , kim ton ni b kin ngh cc n v chnh sa kp thi, ng vai tr thc s l cng c h tr c lc cho cng tc ch o, iu hnh ca NHNN, gp phn hon thnh tt nhim v chnh tr ca NHNN.

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CNG TC PHP CHCng tc xy dng php lut xy dng cc d Lut: Nm 2009, NHNN ch tr son tho, xy dng hai d n Lut Ngn hng Nh nc Vit Nam v Lut Cc T chc tn dng, hon thin khun kh php l i vi hot ng ngn hng vi mc tiu nhm nng cao vai tr trch nhim v tnh ch ng ca NHNN trong thc thi chnh sch tin t v qun l, gim st hot ng ca h thng ngn hng, to mi trng kinh doanh lnh mnh, bnh ng cho cc TCTD, nng cao nng lc qun tr, iu hnh ca cc TCTD. D kin hai d n Lut s c xem xt, thng qua ti k hp th 7 Quc hi Kho XII. V xy dng cc Ngh nh: NHNN ch tr son tho, trnh Chnh ph k ban hnh 04 Ngh nh trong Chng trnh xy dng Ngh nh ca Chnh ph nm 2009 lin quan n iu hnh chnh sch tin t v hot ng ngn hng: (i) t chc v hot ng ca Ngn hng thng mi;(ii) quy nh p dng Lut Ph sn i vi cc t chc tn dng; (iii) hot ng thng tin tn dng; (iv) chnh sch tn dng phc v pht trin nng nghip, nng thn. V xy dng cc vn bn quy phm php lut thuc thm quyn ca Thng c Ngn hng Nh nc: Nm 2009, NHNN ban hnh 27 Thng t v cc Quyt nh ca Thng c v iu hnh chnh sch tin t v hot ng ca NHNN. Tin hnh r sot v h thng ho cc vn bn quy phm php lut do NHNN ban hnh trong nm 2009 m bo cc vn bn ban hnh ng cn c php l, ng quy trnh th tc. ng thi tin hnh kim tra vn bn do cc B, BO CO THNG NIN

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C quan ngang B, Hi ng nhn dn, y ban nhn dn ban hnh c ni dung thuc lnh vc qun l Nh nc ca NHNN gi ti NHNN kim tra v kin ngh c quan son tho, ban hnh chnh sa.

Cng tc ph bin tuyn truyn php lutCng tc ph bin gio dc php lut ti NHNN gp phn a cc chnh sch ca ng v Nh nc nhanh chng i vo cuc sng, tc ng tch cc n i sng x hi; ng ti cc vn bn quy phm php lut do Chnh ph, Quc hi ban hnh lin quan n hot ng tin t, ngn hng, cc vn bn quy phm php lut do Thng c NHNN ban hnh; ng ti cng gii thiu cc Lut lin quan n hot ng ngn hng, cn b cng chc ca NHNN. Ngoi ra, to iu kin cho c nhn v c quan c tip cn sm vi cc d tho vn bn quy phm php lut ngay t giai on xy dng, NHNN cn ch trng n vic ng ti cc d tho Lut, Ngh nh do NHNN ch tr son tho nh d tho Lut Ngn hng Nh nc Vit Nam v Lut Cc T chc tn dng, cc Ngh nh ca Chnh ph trn trang thng tin in t ca NHNN. Tip tc xy dng v pht trin h thng i thoi doanh nghip, ng dy nng tr li thc mc ca t chc, c nhn ti Vn phng NHNN v Chi nhnh cc tnh, thnh ph gii p kp thi cc vng mc trong qu trnh thc hin hot ng ngn hng, c bit l trong vic thc hin cc chnh sch v h tr li sut. Phi hp vi cc t chc quc t, Vn phng Quc hi, B T php t chc cc hi tho chuyn , to NGN HNG NH NC VIETNAM

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m v hai Lut Ngn hng nhm gip cho qu trnh hon thin ni dung ca d tho hai Lut. Thc hin hot ng t vn php lut cho cc i tng l cc n v thuc NHNN, cc TCTD x l cc vn v php lut Ngn hng, h tr gii p php l doanh nghip, t vn h s cp php, t vn php lut quc t.

Sc, Ucraina, Belarus v pht hnh kin php l i vi mt s hip nh, tho thun a phng v song phng cng nh trin khai mt s Hip nh trong h thng ngn hng. NHNN cng tch cc tham gia vic r sot thc hin cc cam kt v tha thun quc t; r sot v xut danh mc cc cam kt gia nhp WTO p dng trc tip.

Cng tc php lut quc tNHNN tham gia gp cc vn bn lin quan n vic trao i thng tin thanh tra, gim st ngn hng vi Ngn hng trung ng cc nc nh c, Php, Thi Lan,

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HOT NG I NGOI gp phn vo n lc chung trong vic phng chng suy gim kinh t v i ph vi nhng tc ng tiu cc ca cuc khng hong ti chnh v suy thoi kinh t ton cu, thc y qu trnh hi nhp v nng cao v th ca Vit Nam trn trng quc t, nm 2009, NHNN tip tc tng cng hp tc vi cc t chc ti chnh tin t quc t thng qua i thoi chnh sch v huy ng h tr c v ti chnh v k thut. Trong quan h vi IMF, NHNN tch cc hp tc v t vn chnh sch, h tr k thut v o to cho Vit Nam nng cao nng lc, trnh cn b. ng thi NHNN ch ng, tch cc v thng xuyn i thoi chnh sch vi IMF nhm cung cp thng tin, lm r cc nh hng, ch trng, chnh sch ca Nh nc gp phn cng c lng tin ca cng chng v cc nh u t vo nh hng chnh sch v n nh kinh t v m ca Vit Nam. Nm 2009, Vit Nam c phn b tng cng hn 267 triu SDR trong khun kh hai t phn b SDR ca IMF nhm tng d tr ngoi hi cho cc nc hi vin. NHNN m phn, k kt thnh cng vi WB v ADB tng cng 20 chng trnh/ d n vi tng tr gi 3,8 t USD (cao hn nhiu so vi tng tr gi gn 2 t USD ca nm 2008). Trong quan h vi WB, bn cnh vic tip tc l mt trong nhng nc vay u i ln nht t ngun IDA, Vit Nam bc u tip cn vi ngun vn vay IBRD ca WB. m phn thnh cng vi WB khon vay ln th nht Chng trnh Ci cch u t cng (PIR) tr gi 500 triu USD, nm trong Khon vay Chnh sch Pht trin BO CO THNG NIN

Chng trnh Ci cch u t cng c tng tr gi 1 t USD nhm mc tiu h tr Chnh ph tip tc cc n lc ci thin cht lng v hiu qu hot ng u t, c bit l u t cng Vit Nam. Trong quan h vi ADB, NHNN phi hp vi cc B, Ngnh m phn thnh cng Khon vay h tr khc phc tc ng khng hong (CSF) tr gi 500 triu USD h tr Vit Nam khc phc nh hng khng hong ti chnh ton cu. V quan h hp tc song phng, NHNN k vn bn hp tc trao i thng tin thanh tra gim st ngn hng vi 12 c quan qun l ngn hng cc nc v vng lnh th v nhiu tha thun hp tc song phng vi cc i tc nh Nga, Belarus, M. Bn cnh , NHNN tip tc trin khai hiu qu cc chng trnh hp tc do cc i tc nh ATTF, JICA, CIDA, NHTW Thy in ti tr nhm tng cng nng lc cho NHNN v ci cch khu vc ngn hng, cng nh cc hot ng trong khun kh T Cng tc Vit-Nga. Ngoi ra, NHNN trao i v lm vic vi nhiu on ca cc c quan Chnh ph, NHTW, cc t chc tn dng v ti chnh ca nhiu quc gia trn th gii, qua lm cho cc i tc hiu r v cc c ch, chnh sch pht trin kinh t, hot ng ca h thng ngn hng Vit Nam, cng c lng tin ca nh u t nc ngoi vo Vit Nam. Trong quan h vi khu vc ASEAN: NHNN tip tc m rng quan h hp tc trong khun kh ASEAN thng qua vic tham gia cc Hi ngh cp cao v cuc hp cp k thut v hp tc ti chnh tin t nhm mc NGN HNG NH NC VIETNAM

37

tiu xy dng mt cng ng kinh t ASEAN cng pht trin. Trong khun kh hp tc ti chnh tin t ASEAN+3, NHNN tham gia vo tin trnh a phng ho Sng kin Ching Mai (CMIM), sng kin hp tc tin t quan trng ca khu vc nhm h tr kh khn tm thi trong cn cn thanh ton ca cc nc thnh vin vi tng quy m ca qu h tr l 120 t USD. Trong hi nhp quc t ngnh ngn hng, NHNN phi hp vi cc B, Ngnh thc hin nhng cam kt gia nhp WTO lin quan n vic thit lp hin din thng mi ca cc TCTD nc ngoi ti Vit Nam. Bn cnh , NHNN cng tch cc tham gia cc hot ng hp tc ca SEACEN, ch ng xy dng v thc hin K hoch hnh ng quc gia (IAP) trong lnh vc ngn hng trong khun kh hp tc APEC. Giai on 2008 - 2009 nh du bc tin quan trng ca NHNN trong vic nng cao v th ca Vit Nam ni chung v NHNN

ni ring trong cng ng ti chnh tin t quc t. Cui nm 2008, s kin Thng c NHNN Nguyn Vn Giu c ton th Thng c cc nc thnh vin IMF/WB bu gi chc Ch tch Hi ng Thng c IMF/WB nhim k 2008-2009 th hin s ghi nhn v nh gi cao ca cng ng ti chnh tin t quc t i vi nhng thnh tu m Vit Nam t c trong cng cuc pht trin kinh t x hi, cng nh s tn nhim i vi uy tn v v th ca Vit nam trong cng ng quc t. Nm 2009, Thng c NHNN hon thnh xut sc vai tr Ch tch Hi ng Thng c IMF/WB, c bit l ch tr thnh cng phin hp ton th ca Hi ng Thng c ti Hi ngh thng nin IMF/WB t chc ti Th Nh K thng 10/2009.

BO CO THNG NIN

38


T CHC CN BV cng tc t chcrin khai thc hin Quyt nh s 112/2006/Q-TTg ca Th tng Chnh ph ph duyt n pht trin ngnh Ngn hng Vit Nam n nm 2010 v nh hng n nm 2020, NHNN tch cc i mi t chc v hot ng ca theo hng t chc b my tinh gn, chuyn nghip vi trng tm l thc hin chc nng ca ngn hng trung ng trong nn kinh t th trng nh hng x hi ch ngha; m bo ngun lc, nng lc xy dng v thc hin chc nng qun l Nh nc trong lnh vc tin t, tn dng, ngn hng v nng cao nng lc gim st hot ng ca h thng ngn hng. NHNN tch cc phi hp vi cc n v lin quan nghin cu, hon thnh trnh Chnh ph ban hnh Ngh nh 96/2008/NCP quy nh chc nng, nhim v, quyn hn v c cu t chc ca Ngn hng Nh nc Vit Nam v Quyt nh s 83/2009/ Q-TTg quy nh chc nng, nhim v, quyn hn v c cu t chc ca C quan Thanh tra gim st ngn hng, trong : Ti tr s NHNN, hnh thnh mi nhng n v cn thit, ng thi iu chnh chc nng, nhim v ca cc V, Cc trnh s trng lp, chng cho, phn tn hoc b trng nhim v; tp trung qun l, iu hnh, nng cao nng lc nghin cu, phn tch, d bo v tnh chuyn mn ho ca cc n v; xc nh r chc nng, nhim v v quan h phi hp gia cc n v. Theo Quyt nh 83/2009/Q-TTg ca Th tng Chnh ph, b my t chc v hot ng ca C quan Thanh tra, gim st ngn hng c thit lp theo hng BO CO THNG NIN

T

nng cao tnh c lp, thng nht v hot ng nghip v v ch o, iu hnh; t nn mng v tng bc thc hin ng cc nguyn tc, chun mc quc t v gim st ngn hng, p ng yu cu thc tin pht trin h thng ngn hng Vit Nam, gp phn bo m s an ton, n nh ca h thng cc TCTD v chp hnh nghim minh php lut v tin t, hot ng ngn hng, bo v li ch ca cng chng. V mng li Chi nhnh, theo Quyt nh s 2989/Q-NHNN ngy 14/12/2009 ca Thng c NHNN, b my t chc c c cu li theo hng tp trung v khng p dng ng nht mt c cu t chc v chc nng, nhim v i vi tt c cc chi nhnh NHNN. NHNN Chi nhnh Thnh ph H Ni v Thnh ph H Ch Minh c thit k ph hp vi tnh cht, quy m pht trin kinh t ca khu vc nhm tng cng cng tc gim st, gp phn bo m s an ton, n nh ca h thng cc TCTD trn a bn.

ng dng cng ngh v phng php qun tr nhn s miXy dng thnh cng v a vo ng dng h thng thng tin qun l ngun nhn lc (HRMIS); Theo , kho d liu v cn b cng chc c t chc lu gi tp trung, cp nht v khai thc phn tn trn c s phn cp y quyn qun l ca Thng c. Mc d mi ch l thnh cng bc u nhng h thng tr gip c lc cho cng tc cn b ca V T chc cn b cng nh cc n v, c bit l khi NHNN chi nhnh cc tnh, thnh ph c phn cp nhiu v cng tc cn b. i mi cng tc qun tr nhn s; tng NGN HNG NH NC VIETNAM

39

bc p dng phng php qun tr mi thng qua s v tr vic lm v bn m t cng vic, lm c s quan trng gip V T chc cn b v cc n v trong cng tc cn b hoch nh ngun nhn lc, xc nh

bin ch, tuyn dng cn b cho cc n v; phn tch, nh gi tnh hp l trong phn cng lao ng, trn c s sp xp, b tr lao ng v hoch nh chin lc o to.

C cu cn b theo tui v trnh o to

BO CO THNG NIN

40


PH LC

BO CO THNG NIN


41

PH LC 1 CC MC LI SUT DO NHNN CNG B NM 2009 n v tnh: %/nm Thi gian Thng 12/2008 Thng 1/2009 Thng 2/2009 Thng 3/2009 T 1-9/4/2009 T 10-30/4/2009 Thng 5/2009 Thng 6/2009 Thng 7/2009 Thng 8/2009 Thng 9/2009 Thng 10/2009 Thng 11/2009 Thng 12/2009 Li sut c bn 8,5 8,5 7 7 7 7 7 7 7 7 7 7 7 8 Li sut ti cp vn 9,5 9,5 8 8 8 7 7 7 7 7 7 7 7 8 Li sut ti chit khu 7,5 7,5 6 6 6 5 5 5 5 5 5 5 5 6

Ngun s liu: Ngn hng Nh nc Vit Nam

BO CO THNG NIN

42


PH LC 2 HOT NG NGHIP V TH TRNG M 2009 Ch tiu S phin K hn (ngy) S lt thnh vin Doanh s t thu (t ng) Doanh s trng thu (t ng) Li sut (%/nm): - Phng thc u thu khi lng - Phng thc u thu li sut Ngun s liu: Ngn hng Nh nc Vit Nam 6,5-9,0 7,2-7,8 3.085 3.613.860 961.773 406 102 261 7;14 Cho mua Cho bn 68 91;182 11

BO CO THNG NIN


43

PH LC 3 T L D TR BT BUC 2008-2009 n v tnh: % Thi gian Di 12 thng T 12 thng tr ln Di 12 thng T 12 thng tr ln Di 12 thng T 12 thng tr ln Di 12 thng Ngoi t T 12 thng tr ln Di 12 thng T 12 thng tr ln Di 12 thng T 12 thng tr ln 12-2008 3 1 6 2 6 2 7 01-2009 2 1 6 2 5 1 7 03-2009 1 1 6 2 3 1 7 12-2009 1 1 6 2 3 1 7

VND Ngn hng Nng nghip v Pht trin nng thn Vit Nam Ngoi t

NHTM Nh nc, NHTM c phn, Chi nhnh nc ngoi, Ngn hng 100% vn nc ngoi, NH lin doanh, Cng ty TC v cho thu ti chnh.

VND

3

3

3

3

1 1 6 2

1 1 6 2

1 1 6 2

1 1 6 2

VND NHTM c phn nng thn, hp tc, Qy tn dng nhn dn TW Ngoi t


BO CO THNG NIN

44


PH LC 4 CN CN THANH TON 2007 -7.092 -10.438 48.561 58.999 62.765 -894 6.030 6.924 6.430 6.180 250 -2.190 1.166 3.356 17.730 6.516 6.700 184 2.269 3.640 1.371 1.371 79 1.404 1.325 1.325 6.243 2.623 -439 10.199 -10.199 -10.199 -10.180 -19 0 19 0 0 0 n v: triu USD 2008 2009 -10.787 -7.440 -12.782 -8.306 62.685 57.096 75.467 65.402 80.713 69.949 -915 -1.129 7.041 5.766 7.956 6.895 7.311 6.527 6.804 6.018 507 509 -4.401 -4.532 1.357 752 5.758 5.284 12.341 9.279 9.579 8.960 619 300 992 2.441 1.449 1.449 1.971 11.414 9.443 9.443 -578 677 -1.081 473 -473 -473 -434 -39 0 39 0 0 0 11.452 6.900 7.600 6.369 1.231 700 4.473 6.140 1.667 1.667 256 5.588 5.332 5.332 128 -305 -12.178 -8.166 8.166 8.166 8.204 -38 0 38 0 0 0

A. TI KHON VNG LAI 1. Cn cn thng mi Xut khu (FOB) Nhp Khu (FOB) Nhp Khu (CIF) 2. Dch v (rng) Thu Chi 3. Chuyn tin (rng) T nhn (rng) Nh nc (rng) 4. Thu nhp t u t (rng) Thu Chi B. TI KHON VN V TI CHNH 5. u t trc tip u t trc tip vo Vit Nam Ti sn Vn vay u t trc tip ca Vit Nam ra nc ngoi 6. Vay tr n trung v di hn Vay N gc n hn tr (s thc thanh ton) 7. Vay tr n ngn hn Vay N gc n hn tr (s thc thanh ton) 8. u t giy t c gi 9. Tin v tin gi C. LI V SAI ST D. CN CN TNG TH (=-E) E. TI TR 10. Thay i ti sn c nc ngoi rng (-;incr) Thay i NIR (-;incr) Tn dng ca IMF Mua Mua li 11. Thay i v chm tr n v c cu li n Thay i v chm tr n C cu li n Ngun s liu: Ngn hng Nh nc Vit Nam

BO CO THNG NIN


45

PH LC 5 MT S CH TIU TIN T, TN DNG S tuyt i n v: T ng 2008 Tng phng tin thanh ton Tng huy ng vn t t chc v c nhn trong nc Tng d n tn dng 1.622,130 1.385.282 1.275.048 Q1/09 1.748.226 1.467.599 1.351.631 Q2/09 1.907.523 1.629.408 1.531.107 Q3/09 1.986.084 1.710.090 1.667.854 Q4/09 2.092.447 1.799.222 1.753.600

Tc tng trng so vi cng k nm trc (%) 2008 Tng phng tin thanh ton Tng huy ng vn t t chc v c nhn trong nc Tng d n tn dng 20,3 22,8 23,4 Q1/09 25,0 24,9 15,9 Q2/09 35,8 34,6 26,1 Q3/09 36,1 33,6 37,3 Q4/09 29,0 29,9 37,5


BO CO THNG NIN

46


PH LC 6 T GI GIA LA M V NG VIT NAM NM 2009 n v tnh: ng/USD T gi ngy cui thng Thi gian T gi bnh qun trn th trng ngoi t lin ngn hng 16.975 16.971 16.954 16.937 16.938 16.953 16.967 16.974 16.991 17.011 17.956 17.941 Ngn hng ngoi thng Vit Nam Mua 17.475 17.480 17.720 17.784 17.783 17.801 17.815 17.823 17.841 17.862 18.485 18.465 Bn 17.484 17.480 17.802 17.784 17.785 17.801 17.815 17.823 17.841 17.862 18.495 18.479 T gi bnh qun trong thng T gi bnh qun trn th trng ngoi t lin ngn hng 16.973 16.976 16.973 16.938 16.938 16.949 16.961 16.968 16.985 17.002 17.155 17.942 Ngn hng ngoi thng Vit Nam Mua 17.458 17.484 17.541 17.773 17.784 17.795 17.809 17.816 17.834 17.852 17.959 18.471 Bn 17.482 17.485 17.572 17.785 17.785 17.796 17,809 17.816 17.834 17.852 17.960 18.480

Thng 1 Thng 2 Thng 3 Thng 4 Thng 5 Thng 6 Thng 7 Thng 8 Thng 9 Thng 10 Thng 11 Thng 12


BO CO THNG NIN


47

PH LC 7 GI VNG TH TRNG TRONG NC 2009 n v: Nghn ng/ch Thi gian Thng 1 Thng 2 Thng 3 Thng 4 Thng 5 Thng 6 Thng 7 Thng 8 Thng 9 Thng 10 Thng 11 Thng 12 Gi ngy cui thng Mua vo 1.815 1.950 1.960 1.944 2.063 2.079 2.088 2.109 2.190 2.368 2.770 2.605 Bn ra 1.847 1.970 1.985 1.967 2.083 2.099 2.105 2.126 2.210 2.388 2.805 2.650 Gi trung bnh thng Mua vo 1.756 1.900 1.933 1.950 2.005 2.086 2.076 2.107 2.183 2.317 2.619 2.683 Bn ra 1.778 1.922 1.963 1.968 2.025 2.108 2.094 2.124 2.201 2.335 2.660 2.718


BO CO THNG NIN

48


PH LC 8 CH S GI TIU DNG n v tnh: % Thng 10 Thng 128,4 0,8 8,4 6,6 0,5 6,6 12,6 2,9 12,6 19,9 -0,7 19,9 6,52 1,38 6,52

Nm

Thi gian

So vi thng 12 nm trc 2005 So vi thng trc So vi cng k So vi thng 12 nm trc 2006 So vi thng trc So vi cng k So vi thng 12 nm trc 2007 So vi thng trc So vi cng k So vi thng 12 nm trc 2008 So vi thng trc So vi cng k So vi thng 12 nm trc 2009 So vi thng trc So vi cng k

1,1 1,1 9,7 1,2 1,2 8,8 1,1 1,1 6,5 2,4 2,4 14,1 0,32 0,32 17,48

3,6 2,5 9,1 3,3 2,1 8,4 3,2 2,2 6,5 6,0 3,6 15,7 1,49 1,17 14,78

3,7 0,1 8,4 2,8 -0,5 7,7 3,0 -0,2 6,8 9,2 3,0 19,4 1,32 -0,17 11,25

4,3 0,6 8,5 3,0 0,2 7,4 3,5 0,5 7,2 11,6 2,2 21,4 1,68 0,35 9,23

4,8 0,5 8,1 3,6 0,6 7,5 4,3 0,8 7,3 16,0 3,9 25,2 2,12 0,44 5,58

5,2 0,4 7,6 4,0 0,4 7,6 5,2 0,8 7,8 18,4 2,1 26,8 2,68 0,55 3,94

5,6 0,4 7,5 4,4 0,4 7,5 6,2 0,9 8,4 19,8 1,1 27,0 3,22 0,52 3,31

6,0 0,4 7,3 4,8 0,4 7,5 6,8 0,5 8,6 21,7 1,6 28,3 3,47 0,24 1,97

6,8 0,8 7,8 5,1 0,3 6,9 7,3 0,5 8,8 21,9 0,2 27,9 4,11 0,62 2,42

7,2 0,4 8,3 5,4 0,2 6,7 8,1 0,7 9,3 21,6 -0,2 26,7 4,49 0,37 2,99

7,6 0,4 8,5 6,0 0,6 6,9 9,5 1,2 10,0 20,7 -0,8 24,2 5,07 0,55 4,35

Ngun s liu: Tng cc Thng k

BO CO THNG NIN


Thng 11

Thng 1

Thng 2

Thng 3

Thng 4

Thng 5

Thng 6

Thng 7

Thng 8

Thng 9

49

PH LC 9 TNG SN PHM TRONG NC (GDP), 1999-2009 Nm 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 GDP theo gi so snh 1994 (t ng) 256.272 273.666 292.535 313.247 336.242 362.435 393.031 425.373 461.443 490.181 515.909 GDP theo gi hin hnh (t ng) 399.942 441.646 481.295 535.762 613.443 715.307 839.211 974.266 1.144.015 1.478.695 1.645.481 Mc tng trng GDP (%) 5,76 6,79 6,84 7,08 7,34 7,79 8,44 8,23 8,48 6,18 5, 32

Ngun s liu: Tng cc Thng k.

BO CO THNG NIN

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APPENDIX 9GROSS DOMESTIC PRODUCT (GDP), 1999-2009 Year 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 GDP at constant price (VND billion) 256,272 273,666 292,535 313,247 336,242 362,435 393,031 425,373 461,443 490,181 515,909 GDP at current price (VND billion) 399,942 441,646 481,295 535,762 613,443 715,307 839,211 974,266 1,144,015 1,478,695 1,645,481 GDP growth rate (%) 5.76 6.79 6.84 7.08 7.34 7.79 8.44 8.23 8.48 6.18 5.32

Source: General Statistics Ofce (GSO)

ANNUAL REPORT 2009

50

STATE BANK OF VIETNAM

APPENDIX 8 CONSUMER PRICE INDEX (CPI) Unit: %

SEPTEMBER

NOVEMBER7.6 0.4 8.5 6.0 0.6 6.9 9.5 1.2 10.0 20.7 -0.8 24.2 5.07 0.55 4.35

YEAR

TIME

2005

Compare to last December Compare to last month Year on year Compare to last December Compare to last month Year on year Compare to last December Compare to last month Year on year Compare to last December Compare to last month Year on year

1.1 1.1 9.7 1.2 1.2 8.8 1.1 1.1 6.5 2.4 2.4 14.1

3.6 2.5 9.1 3.3 2.1 8.4 3.2 2.2 6.5 6.0 3.6 15.7 1.49 1.17 14.78

3.7 0.1 8.4 2.8 -0.5 7.7 3.0 -0.2 6.8 9.2 3.0 19.4 1.32 -0.17 11.3

4.3 0.6 8.5 3.0 0.2 7.4 3.5 0.5 7.2 11.6 2.2 21.4 1.68 0.35 9.23

4.8 0.5 8.1 3.6 0.6 7.5 4.3 0.8 7.3 16.0 3.9 25.2 2.12 0.44 5.58

5.2 0.4 7.6 4.0 0.4 7.6 5.2 0.8 7.8 18.4 2.1 26.8 2.68 0.55 3.94

5.6 0.4 7.5 4.4 0.4 7.5 6.2 0.9 8.4 19.8 1.1 27.0 3.22 0.52 3.31

6.0 0.4 7.3 4.8 0.4 7.5 6.8 0.5 8.6 21.7 1.6 28.3 3.47 0.24 1.97

6.8 0.8 7.8 5.1 0.3 6.9 7.3 0.5 8.8 21.9 0.2 27.9 4.11 0.62 2.42

7.2 0.4 8.3 5.4 0.2 6.7 8.1 0.7 9.3 21.6 -0.2 26.7 4.49 0.37 2.99

8.4 0.8 8.4 6.6 0.5 6.6 12.6 2.9 12.6 19.9 -0.7 19.9 6.52 1.38 6.52

2006

2007

2008

2009

Compare to 0.32 last December Compare to 0.32 last month Year on year17.5

Source: General Statistics Ofce (GSO)

ANNUAL REPORT 2009


DECEMBER

OCTORBER

FEBRUARY

JANUARY

AUGUST

MARCH

APRIL

JUNE

JULY

MAY

49

APPENDIX 7 DOMESTIC MARKET GOLD PRICE IN 2009 Unit: 1000 VND/Tael End of month Period Buying Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09 1,815 1,950 1,960 1,944 2,063 2,079 2,088 2,109 2,190 2,368 2,770 2,605 Selling 1,847 1,970 1,985 1,967 2,083 2,099 2,105 2,126 2,210 2,388 2,805 2,650 Buying 1,756 1,900 1,933 1,950 2,005 2,086 2,076 2,107 2,183 2,317 2,619 2,683 Selling 1,778 1,922 1,963 1,968 2,025 2,108 2,094 2,124 2,201 2,335 2,660 2,718 Monthly average

Source: State Bank of Vietnam

ANNUAL REPORT 2009

48


APPENDIX 6 EXCHANGE RATE BETWEEN VND USD IN 2009 Unit: VND/USD End of Month Period Interbank average exchange rate 16,975 16,971 16,954 16,937 16,938 16,953 16,967 16,974 16,991 17,011 17,956 17,941 Vietcombank Buying 17,475 17,480 17,720 17,784 17,783 17,801 17,815 17,823 17,841 17,862 18,485 18,465 Selling 17,484 17,480 17,802 17,784 17,785 17,801 17,815 17,823 17,841 17,862 18,495 18,479 Monthly average Interbank average exchange rate 16,973 16,976 16,973 16,938 16,938 16,949 16,961 16,968 16,985 17,002 17,155 17,942 Vietcombank Buying 17,458 17,484 17,541 17,773 17,784 17,795 17,809 17,816 17,834 17,852 17,959 18,471 Selling 17,482 17,485 17,572 17,785 17,785 17,796 17,809 17,816 17,834 17,852 17,960 18,480

Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09


ANNUAL REPORT 2009


47

APPENDIX 5 Monetary Indicators Unit : Billion VND 2008 Total Liquidity Capital mobilization from the economy Credit to the economy 1,622,130 Q1/09 1,748,226 Q2/09 1,907,523 Q3/09 1,986,084 Q4/09 2,092,447

1,385,282

1,467,599

1,629,408

1,710,090

1,799,222 1,753,600

1,275,048

1,351,631

1,531,107

1,667,854

Year on year growth rate (%)

2008

Q1/09

Q2/09

Q3/09

Q4/09

Total Liquidity Capital mobilization from the economy

20.3

25.0

35.8

36.1

29.0

22.8

24.9

34.6

33.6

29.9

Credit to the economy Source: State Bank of Vietnam

23.4

15.9

26.1

37.3

37.5

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APPENDIX 4 BALANCE OF PAYMENTS Unit: million of USD A. CURRENT ACCOUNT 1. Trade balance Exports (FOB) Imports (FOB) Imports (CIF) 2. Non factor services(Net) Receipts Payments 3. Transfers(Net) Private transfers(Net) Offcial transfers(Net) 4. Investment income (Net) Receipts Payments B. FINANCIAL AND CAPPITAL ACCOUNT 5. Foreign Direct Invesment FDI in Viet Nam Equity Loans Viet Nams FDI abroad 6. Medium and long term loans Disbursments Scheduled Amortization (Actual payments) 7. Short term loans Disbursments Scheduled Amortization (Actual payments) 8. Portfolio 9. Money and deposits C. ERRORS AND OMISSIONS D. OVERALL BALANCE (=-E) E. FINANCING 10. Change in NFA (-;incr) Change in NIR (-;incr) Use of IMF credit Purchases Repurchases 11. Change in arrears and rescheduling Change in arrears Rescheduling Source: State Bank of Vietnam 2007 -7,092 -10,438 48,561 58,999 62,765 -894 6,030 6,924 6,430 6,180 250 -2,190 1166 3,356 17,730 6,516 6,700 184 2,269 3,640 1,371 1,371 79 1,404 1,325 1,325 6,243 2,623 -439 10,199 -10,199 -10,199 -10180 -19 0 19 0 0 0 2008 -10,787 -12,782 62,685 75,467 80,713 -915 7,041 7,956 7,311 6,804 507 -4,401 1357 5,758 12,341 9,279 9,579 8,960 619 300 992 2,441 1,449 1,449 1,971 11,414 9,443 9,443 -578 677 -1,081 473 -473 -473 -434 -39 0 39 0 0 0 2009 -7,440 -8,306 5,710 65,402 69,949 -1,129 5,766 6,895 6,527 6,018 509 -4,532 752 5,284 11,452 6,900 7,600 6,369 1,231 700 4,473 6,140 1,667 1,667 256 5,588 5,332 5,332 128 -305 -12,178 -8,166 8,166 8,166 8,204 -38 0 38 0 0 0

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APPENDIX 3 RESERVE REQUIREMENT RATIONS Unit: % Period Vietnam Bank for Agriculture and rural Development VND Foreign currency VND State-owned commercial banks, urban joint-stock commercial banks, branch of foreign banks, nance companies 12 months 12 months 12 months 12 months 3 3 3 3

Rural Joint stock commercial banks, cooperative banks, Central Peoples Credit Fund

VND

12 months 12 months


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APPENDIX 2 OPEN MARKET OPERATIONS IN 2009 INDICATOR Number of sessions Maturities (days) Batch of participants Bid volume (VND billion) Bid winning volume (VND billion) Interest rate (%/year): - Uniform interest rate-based - Volume-based Source: State Bank of Vietnam 6.5-9.0 7.2-7.8 3,085 3,613,860 961,773 406 102 261 7;14 BUYING SELLING 68 91;182 11

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APPENDIX 1 Interest rates of State Bank of Vienam Unit: %/year Period Dec-08 Jan-09 Feb-09 Mar-09 1st - 9th Apr 09 10th - 30th Apr 09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09 Source: State Bank of Vietnam Base interest rate 8.5 8.5 7 7 7 7 7 7 7 7 7 7 7 8 Renancing interest rate 9.5 9.5 8 8 8 7 7 7 7 7 7 7 7 8 Discount interest rate 7.5 7.5 6 6 6 5 5 5 5 5 5 5 5 6

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APPENDIXES

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preliminary step, the system had effectively supported the personnel management of the Personnel Department, as well as other units especially the branches that were assigned with function closely linked with personnel management. The SBV has also reformed the personnel management by gradually appling a new governance methodology of using the position chart and jobs description. This has

created an important background for the Personnel Department and other units in personnel management, including the development of the human resources plan and determination of work force and recruitment, the analysis and assessing of the appropriateness in jop assignment, thus contributing to the allocations of human resources and the development of training strategy.

Human resources structure by ages

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PERSONNELOrganisational structuren implementing the Prime Ministers Decision No. 112/2006/Q-TTg approving the Vietnams Banking Sector Development Plan until 2010 and direction into 2020, the SBV has actively reformed its organisation and operations into a streamlined and professional institution, in which the functions of a central bank in a socialism-oriented market economy would be put at the centre, efficient resources and capacity would be ensured for the development and conducting of the state management function in monetary, credit and banking sector, and the capacity for supervision of the banking sector would be enhanced. The SBV has worked closely with relevant agencies to develop and submit for Governments approval and issuance of Resolution No. 96/2008/N-CP regulating functions, tasks, powers and organisational structure of the SBV and Decision No. 83/2009/QTTg regulating functions, tasks, power and organisational structure of the Banking Supervisory Agency, according to which at the SBVs headquarters, only essential units would be added and at the same time functions and tasks of existing departments/units would be revised to avoid overlap, dispersal or gap, and the capacity of building up such tasks as researching analysis, and forecasts as well as the specialisation of each department/units functions would be focused; and functions and tasks of departments/units and the relationship and cooperation between them would be claried. According to the Prime Ministers Decision No. 83/2009/Q-TTg, organisational ANNUAL REPORT 2009

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structure and operations of the Banking Supervisory Agency would be designed in the direction of enhancing the independence and uniformity in terms of its professional operations and governance; to set background for the gradual implementation of international rules and standards on banking supervision, for the purpose of meeting the practical demands of the developing Vietnams banking system, thus contributing to ensuring the safety and stability of the credit institution system and the strict observance of rules and regulations on monetary and banking operations, and protecting public interests. In regards to the SBVs network, according to the Governors Decision No. 2989/ Q-NHNN, dated 14/12/2009, the organisational structure would be restructured to consolidate the branch network and no unique organization, function and task would be applied to all SBVs branches. SBVs branches in Hanoi and Hochiminh citys would be designed in line with the economic development features and scale of each city in order to strengthen the supervision, ensuring the safety and stability of the local credit institutions.

Application of new technologies and methodologies on personnel managementThe SBV successfully developed and applied the human resources management information system (HRMIS); based on which the personnel database has been centrally stored and updated and used by relevant units according to the decentralised authorization prescribed by the Governor. Despite a STATE BANK OF VIETNAM

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tion under the ASEAN framework through the participation into the Summits and technical meetings on nancial and monetary cooperation which aimed at establishing a jointly-growing ASEAN commumity. Under the framework of ASEAN+3 nancial and monetary cooperation, the SBV participated in Chiang Mai Initiative Multilateralisation (CMIM) an important regional monetary cooperation initiative to support member countries facing temporary difculties in balance of payments with the total funding sources of USD 120 billion. In regards to the international integration of the banking sector, the SBV cooperated with relevant ministries/agencies to implement WTOs commitments relating to the establishment of commercial representative of foreign credit institutions in Vietnam. Besides, the SBV has actively joined in the SEACENs cooperation activities, and pioneered in developing and implementing the Initial Action Plan (IAP) in the banking sector under the framework of APEC cooperation.

The period between 2008 and 2009 marked an important achievement of the SBV in enhancing the voice of Vietnam in general, and of the SBV in particular in international nancial and monetary community. At the end of 2008, Governor Nguyen Van Giau was appointed by all Governors of IMF/WB member countries as Chairman of IMF/WB Board of Governors for the period of 2008-2009, which showed the international monetary and nancial communitys acknowledgement and appreciation of Vietnams achievements in the course of social economic development, as well as the country creditworthiness and position in international community. In 2009, the Governor fullled successfully his chairmanship at the IMF/WB Board of Governors, especially his remarkably success in chairing the plenary session of the Board of Governors during the IMF/WB Annual Meetings held in Istanbul, Turkey in October 2009.

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INTERNATIONAL COOPERATIONn a joined effort to prevent economic slowdown and to cope with negative impacts of the global financial crisis and economic recession, and in order to accelerate the integration process and improve Vietnams position in the international arena, in 2009, the SBV enhanced the cooperation with international financial and monetary organizations via the channels of policy dialogues, financial supports and technical assistances. In regard to the relation with the IMF, the SBV actively cooperated in the elds of policy consultation, technical assistances and training in order to improve the capacity and skills of Vietnams staffs. Besides, the SBV held policy dialogues with the IMF in an active, regular and positive manner to provide information, to clarify the States directions and policies, and at the same time, to call for supports and policy consultation on policy measures aiming at overcoming crisis impacts, contributing to the enhancement of the publics and investors condence in Vietnam policy directions and macroeconomic stability. In 2009, Vietnam was allocated a total of more than SDR 267 million under the IMFs two SDR allocations aiming at increasing foreign reserves of member countries. In 2009, the SBV successfully negotiated and signed with the WB and ADB agreements for 20 programs/projects totaling around USD 3.8 billion (much higher than the total value of USD 2 billion in 2008). Specically, in regard to the relation with the WB, while continued to be one of biggest concessional borrowers from the IDA, Vietnam had gradually accessed to the WBs IBRD resource. Accordingly, the SBV, in cooperation with relevant ministries and ANNUAL REPORT 2009

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agencies, successfully negotiated with the WB the First Loan of the Public Investment Reform Program totaling USD 500 million under the IBRD borrowing conditions. This loan belongs to the Development Policy Loan for the Public Investment Reform Program with the total value of USD 1 billion, which aimed at supporting the Government in further improving the quality and efciency of investment, especially public investment in Vietnam. In terms of the relation with the ADB, the SBV, in cooperation with relevant ministries and agencies, successfully negotiated the Loan for Crisis Support Facility (CSF) with the total value of USD 500 million. In bilateral cooperation, the SBV signed cooperation documents for exchange of information on banking inspection and supervision with banking authorities of 12 countries and territories, and bilateral cooperation arrangements with such partners as Russia, Belarus, and the United States. In addition, the SBV continued to effectively implement the cooperation programs sponsored by ATTF, JICA, CIDA, and central bank of Sweden in order to enhance the capacity of the SBV and to reform the banking sector, as well as the activities within the framework of the Vietnam-Russian Working Team. Besides, the SBV met and discussed with delegations of governmental agencies, central banks, and credit and nancial institutions of many countries in the world, hence providing a clearer picture of Vietnams directions and policies for economic and banking sector development, thus enhancing foreign investors condence in Vietnam. In 2009, the SBV widened the cooperaSTATE BANK OF VIETNAM

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environment, licensing documents and international laws.

International Legal ActivitiesThe SBV provided comments on documents relating to the exchange of information on banking inspection and supervision with central banks of such countries as Germany, France, Thailand, Czech, Ukraine and Belarus and issued legal opinions on several multilateral and bilateral agreements and ar-

rangements as well as implemented some agreements in the banking sector. The SBV also actively joined in reviewing the implementation of international commitments and arrangements; and reviewed and proposed lists of WTO accession commitments which were directly applied.

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LEGAL ACTIVITIESDevelopment of legal documentaw drafting: In 2009, the SBV chaired the development and drafting of two draft laws namely the Law on the SBV of Vietnam and the Law on Credit Institutions in order to improve the legal framework for banking activities, thus enhancing the roles, responsibilities and activeness of the SBV in its management of monetary policies, management and supervision of banking sector, creation of sound and fair business environment for credit institutions, and enhancement of governance capacity of credit institutions. The two draft laws were scheduled to be considered and passed at the 7th session of the XII National Assembly. Development of Decrees: under the Governments 2009 program for Decree Development, the SBV chaired the drafting and submission to the Government for signing and issuance of 4 Decrees in the areas of monetary policy management and banking sector activities, including: (i) organization and operation of commercial banks; (ii) the application of Bankruptcy Law on credit institutions; (iii) credit information activities; (iv) Credit policy for the agricultural and rural development. Development of legal documents within the Governors authority: In 2009, the SBV issued 27 Circulars and Governors Decisions on monetary policy management and SBVs operations. Furthermore, the SBV reviewed and systemized legal documents issued by the SBV in 2009 in order to ensure that they were issued appropriately in terms of legal background, prescribed procedures The SBV also reviewed the ofcial documents issued by other ministries, minANNUAL REPORT 2009

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isterial agencies, Peoples Committees and Peoples Councils which covered issues belong to the state management functions of the SBV, and recommended for revision if necessary.

Legal communicationThe SBVs promulgation of legal documents contributed to the prompt realization of the Partys and the States policies and brought about positive impacts on the society, for example, the publishment of the legal documents issued issued by the SBV Governor, as well as the summary of the Laws relating to the banking activities and to staffs of the SBV. Furthermore, in order to facilitate individuals and agencies promptly access to legal documents right at the drafting stage, the SBV paid attention to the publishment on the SBVs website of draft laws and decrees of which the SBV chaired the development like the Draft Laws on the SBV and on Credit Institutions and the Governments Resolutions. In further developing and improving the dialogue network with business community, hot lines were set up at the SBVs Ofce and SBVs branches to respond to the questions relating to banking activities, especially the implementation of the interest rate subsidy. The SBV also cooperated with international organizations, National Assemblys Ofce and Ministry of Justice in organizing workshops and conferences on the two banking laws, aiming at improving the two draft laws. In addition, the SBV provided legal consultation to the SBVs subsidiaries and credit institutions to handle the legal issues relating to the banking activities, business legal STATE BANK OF VIETNAM

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INTERNAL AUDITn 2009, the SBV furthered the reforms of audit activities in a quite comprehensive manner on all of its operational aspects to bring internal audit in line with international practices and Vietnams practical requirements. The SBV conducted the audit of nancial statements of 29 subsidiaries (including 06 headquarter departments and 23 branches), compliance and operation audits of 20 units (09 departments and 11 branches); audits of 10 construction projects (of which 07 projects settlement reports were approved by the Governor, while those of 03 other completed projects were pending to the Governors approval); IT audits in 13 units (03 departments and 10 branches); audits of both nancial statements and compliance and operation of SBVs branches; and audits of treasury- and vault-related activities in 23 concerned branches.

I

The highlight in the management and implementation of the 2009 audit plan was the comprehensive reforms right from the stages of planning and outlining to the audit process. The audit result helped to analyze and evaluate strengths as well as shortcomings and potential operational risks, and to point out obstacles in implementing the current mechanisms and policies. Accordingly, internal audit made relevant recommendations for related units to have timely solutions, thus becoming an effective supportive tool for the SBVs management and operations, contributing to the SBVs accomplishment of political mandates.

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Fund, etc. There were nearly 18 mn customer les at CICs database as of December 31, 2009, with the amount of loan outstanding being updated to the database accounted for more than 95% of the economys total loan outstanding. The CIC database, which was designed and built on the background of modern information technology, and was capable of providing real time information via website and the 5-year historical data database, whose input quality was strictly supervised. This was a great advantage for internationalizing Vietnams credit information activities and facilitating the grading and internal credit rating of credit institutions customers.

International Information ExchangeCIC signed and executed information exchange contracts with international information rms to support Vietnams enterprises and credit institutions in their business with foreign partners. Through this channel, CIC discovered some foreign companies that were in weak nancial situation or even closed but fraudulently offered loans in Vietnam, thereby sending warnings to CIs and enterprises to avoid large economic losses.

Credit Information BulletinThe CICs credit information bulletin was an internal information publication of the banking system, issued 4 editions per month with more than 100,000 copies annually, and contained various referential information on banking and credit activities, new policies on credit, interest rate, and exchange rate, alert information on the credit relationship of borrowers at CI

Documents

2009