In 2010, credit growth was estimated at 27.65%. In 2011, when inflation rose to 18.13%, the State Bank began to allocate credit growth limits and thanks to this tool, credit growth across the system was pulled back to 12%, contributing to macroeconomic stability. However, after more than a decade, credit limits have revealed many limitations, especially when the market needs a flexible management mechanism, suitable to the capacity of each bank.
After 12 years of restructuring, the health of the banking system has stabilized. Statistics show that 90% of banks now have a capital safety ratio of over 10%, many large joint stock commercial banks have reached 15%. This shows that the quality of operations and the ability to withstand credit risks have improved significantly. Financial experts say that the market now has enough tools to control the safety of banking operations, gradually replacing previous administrative measures.
According to experts, when market tools are adequate, it is important to strengthen supervision and ensure banks comply with strict regulations.
Source: https://quangngaitv.vn/bo-han-muc-tin-dung-tang-chu-dong-cho-ngan-hang-6504917.html
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