HIỆU QUẢ TÁI CẤU TRÚC HỆ THỐNG NGÂN HÀNG VIỆT NAM GIAI ĐOẠN 2006 - 2014=EFFICIENCY OF RESTRUCTURING COMMERCIAL BANKS IN VIETNAM FROM 2006 TO 2014

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Tác giả: Hạnh Bùi Lê Thái, Khôi Phan Đình, Nga Lê Hồng, Trúc Nguyễn Quỳnh Thanh

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Khoa học Kinh tế, 2018

Mô tả vật lý: tr.108

Bộ sưu tập: Metadata

ID: 494995

Thêm vào giỏ

Restructuring policy aims to fundamentally change banking operations in Viet Nam commercial bank system. This study focuses on the relationship between restructuring and factors affecting the profitability of commercial banks in Vietnam. Data were collected from the financial reports of 20 commercial banks in Vietnam for years 2006-2014. The results showed a positive correlation between returns over total asset (ROA) and the ratio of equity over total assets, size of the bank, and economic growth were inversely correlated with the restructuring while ratio of outstanding loans over total assets, nonperforming loans over total loans and inflation were not significant in our model. Returns on equity (ROE) was positively correlated with size of the bank, economic growth, inflation while negatively correlated with ratio of nonperforming loans over total loans, equity over total assets, and bank restructuring. The result showed that commerical banks were underpressured of the bank restructuring policy as banks' profitability recorded a lower rate after the restructuring policy implemented. Keywords: Commercial Bank, restructuring policy, profitability, Vietnam.Tái cấu trúc hệ thống ngân hàng thay đổi cơ bản hoạt động của hệ thống ngân hàng ở Việt Nam giai đoạn hiện nay. Nghiên cứu này phân tích các yếu tố ảnh hưởng đến tỉ suất sinh lợi của các ngân hàng thương mại (NHTM) ở Việt Nam trong giai đoạn trước và sau khi các ngân hàng thực hiện tái cấu trúc theo Đề án 245 của Nghị quyết Trung ương 3 - Khóa XI. Số liệu từ các báo cáo tài chính công bố của 20 NHTM Việt Nam từ năm 2006 đến năm 2014 được sử dụng để ước lượng. Kết quả cho thấy suất sinh lợi của tài sản (ROA) có mối tương quan thuận với tỉ lệ vốn chủ sở hữu/tổng tài sản, quy mô ngân hàng, tăng trường kinh tế
và có mối tương quan nghịch với tái cấu trúc. Đồng thời, suất sinh lợi trên vốn chủ sở hữu (ROE) có mối tương quan thuận với quy mô ngân hàng, tăng trường kinh tế, lạm phát và có mối tương quan nghịch với tỉ lệ nợ xấu/tổng dư nợ, vốn chủ sở hữu/ tổng tài sản, tái cấu trúc. Kết quả nghiên cứu chi ra rằng các ngân hàng phải gánh chịu áp lực trong giai đoạn tái cấu trúc làm giảm khả năng sinh lợi so với giai đoạn trước khi tái cấu trúc. Từ khóa: Ngân hàng thương mại, tái cấu trúc, khả năng sinh lợi, Việt Nam.

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