{"id":17370,"date":"2026-04-13T14:58:26","date_gmt":"2026-04-13T07:58:26","guid":{"rendered":"https:\/\/mb668s.com\/cam-nang-7mb66-xoc-dia\/?p=17370"},"modified":"2026-05-28T12:08:22","modified_gmt":"2026-05-28T05:08:22","slug":"6-nghiep-vu-ngan-hang-thuong-mai","status":"publish","type":"post","link":"https:\/\/mb668s.com\/cam-nang-7mb66-xoc-dia\/tu-van-nghe-nghiep\/6-nghiep-vu-ngan-hang-thuong-mai","title":{"rendered":"6 nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u01a1 b\u1ea3n m\u00e0 b\u1ea1n c\u1ea7n n\u1eafm r\u00f5"},"content":{"rendered":"\n

Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (Commercial Bank) l\u00e0 trung gian t\u00e0i ch\u00ednh quan tr\u1ecdng trong n\u1ec1n kinh t\u1ebf, th\u1ef1c hi\u1ec7n nhi\u1ec1u ch\u1ee9c n\u0103ng t\u1eeb huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ebfn cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n. \u0110\u1ec3 hi\u1ec3u r\u00f5 c\u00e1ch ng\u00e0nh n\u00e0y v\u1eadn h\u00e0nh, b\u1ea1n c\u1ea7n n\u1eafm \u0111\u01b0\u1ee3c 6 nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/strong> c\u01a1 b\u1ea3n nh\u1ea5t. B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd ph\u00e2n t\u00edch t\u1eebng nghi\u1ec7p v\u1ee5, gi\u00fap b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn to\u00e0n di\u1ec7n v\u1ec1 l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n
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T\u1ed5ng quan 6 nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/strong><\/p>\n

\u2013 Nghi\u1ec7p v\u1ee5 huy \u0111\u1ed9ng v\u1ed1n (Deposit Mobilization): thu h\u00fat ti\u1ec1n g\u1eedi t\u1eeb c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c.<\/p>\n

\u2013 Nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng (Credit Operations): cho vay v\u00e0 c\u1ea5p t\u00edn d\u1ee5ng.<\/p>\n

\u2013 Nghi\u1ec7p v\u1ee5 thanh to\u00e1n (Payment Services): chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n trong n\u01b0\u1edbc v\u00e0 qu\u1ed1c t\u1ebf.<\/p>\n

\u2013 Nghi\u1ec7p v\u1ee5 ng\u00e2n qu\u1ef9 (Treasury Operations): qu\u1ea3n l\u00fd ti\u1ec1n m\u1eb7t v\u00e0 t\u00e0i s\u1ea3n c\u00f3 gi\u00e1.<\/p>\n

\u2013 Nghi\u1ec7p v\u1ee5 kinh doanh ngo\u1ea1i h\u1ed1i (Foreign Exchange): mua b\u00e1n ngo\u1ea1i t\u1ec7.<\/p>\n

\u2013 Nghi\u1ec7p v\u1ee5 b\u1ea3o l\u00e3nh (Bank Guarantee): cam k\u1ebft t\u00e0i ch\u00ednh thay cho kh\u00e1ch h\u00e0ng.<\/p>\n<\/div>\n\n\n\n

1. Nghi\u1ec7p v\u1ee5 huy \u0111\u1ed9ng v\u1ed1n<\/h2>\n\n\n\n

Huy \u0111\u1ed9ng v\u1ed1n (Deposit Mobilization) l\u00e0 nghi\u1ec7p v\u1ee5 n\u1ec1n t\u1ea3ng v\u00e0 quan tr\u1ecdng nh\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. \u0110\u00e2y l\u00e0 ho\u1ea1t \u0111\u1ed9ng thu h\u00fat ngu\u1ed3n v\u1ed1n nh\u00e0n r\u1ed7i t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf v\u00e0 c\u00e1 nh\u00e2n trong x\u00e3 h\u1ed9i d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c nhau, t\u1eeb \u0111\u00f3 t\u1ea1o ngu\u1ed3n v\u1ed1n \u0111\u1ec3 ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay v\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n

Theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 (Lu\u1eadt s\u1ed1 32\/2024\/QH15), ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p nh\u1eadn ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 kh\u00f4ng k\u1ef3 h\u1ea1n t\u1eeb t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n; ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 nh\u01b0 ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, tr\u00e1i phi\u1ebfu ng\u00e2n h\u00e0ng; v\u00e0 vay v\u1ed1n t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (State Bank of Vietnam — SBV) ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c.<\/p>\n\n\n\n

\u2013 Ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n (Demand Deposit): kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 r\u00fat b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, l\u00e3i su\u1ea5t th\u1ea5p.<\/p>\n\n\n\n

\u2013 Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n (Time Deposit): g\u1eedi theo th\u1eddi h\u1ea1n c\u1ed1 \u0111\u1ecbnh, l\u00e3i su\u1ea5t cao h\u01a1n.<\/p>\n\n\n\n

\u2013 Ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m (Savings Deposit): d\u00e0nh cho c\u00e1 nh\u00e2n, nhi\u1ec1u k\u1ef3 h\u1ea1n linh ho\u1ea1t.<\/p>\n\n\n\n

\u2013 Ph\u00e1t h\u00e0nh gi\u1ea5y t\u1edd c\u00f3 gi\u00e1: ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi (Certificate of Deposit — CD), tr\u00e1i phi\u1ebfu ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

Ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn nh\u1ea5t trong t\u1ed5ng ngu\u1ed3n v\u1ed1n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng, th\u01b0\u1eddng \u0111\u1ea1t 70-80%. Ch\u00ednh v\u00ec v\u1eady, n\u0103ng l\u1ef1c huy \u0111\u1ed9ng v\u1ed1n ph\u1ea3n \u00e1nh tr\u1ef1c ti\u1ebfp s\u1ee9c m\u1ea1nh v\u00e0 uy t\u00edn c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n

2. Nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng<\/h2>\n\n\n\n

Nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng (Credit Operations) l\u00e0 ho\u1ea1t \u0111\u1ed9ng sinh l\u1eddi ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi\u1ebfm ph\u1ea7n l\u1edbn doanh thu t\u1eeb l\u00e3i. Ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c \u0111\u1ec3 cho vay c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, kho\u1ea3n ch\u00eanh l\u1ec7ch n\u00e0y g\u1ecdi l\u00e0 bi\u00ean l\u00e3i r\u00f2ng (Net Interest Margin — NIM).<\/p>\n\n\n\n

C\u00e1c h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng ph\u1ed5 bi\u1ebfn t\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam bao g\u1ed3m cho vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n (mua nh\u00e0, mua xe, t\u00edn ch\u1ea5p), cho vay s\u1ea3n xu\u1ea5t kinh doanh \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p, cho vay d\u1ef1 \u00e1n v\u00e0 chi\u1ebft kh\u1ea5u th\u01b0\u01a1ng phi\u1ebfu. M\u1ed7i kho\u1ea3n vay \u0111\u1ec1u ph\u1ea3i tr\u1ea3i qua quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng nghi\u00eam ng\u1eb7t, bao g\u1ed3m \u0111\u00e1nh gi\u00e1 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n\n\n\n

N\u1ebfu b\u1ea1n quan t\u00e2m \u0111\u1ebfn s\u1ef1 nghi\u1ec7p trong l\u0129nh v\u1ef1c n\u00e0y, h\u00e3y kh\u00e1m ph\u00e1 vi\u1ec7c l\u00e0m Ng\u00e2n h\u00e0ng – Ch\u1ee9ng kho\u00e1n tr\u00ean CareerLink<\/a><\/em><\/strong> \u0111\u1ec3 n\u1eafm b\u1eaft c\u00e1c c\u01a1 h\u1ed9i tuy\u1ec3n d\u1ee5ng m\u1edbi nh\u1ea5t.<\/p>\n\n\n\n

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L\u01b0u \u00fd quan tr\u1ecdng:<\/strong> Nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng ti\u1ec1m \u1ea9n r\u1ee7i ro n\u1ee3 x\u1ea5u (Non-Performing Loan — NPL). Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i duy tr\u00ec t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u d\u01b0\u1edbi 3% theo Th\u00f4ng t\u01b0 11\/2021\/TT-NHNN. Vi\u1ec7c qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00edn d\u1ee5ng l\u00e0 nhi\u1ec7m v\u1ee5 then ch\u1ed1t \u0111\u1ec3 duy tr\u00ec an to\u00e0n h\u1ec7 th\u1ed1ng.<\/p>\n<\/div>\n\n\n\n

3. Nghi\u1ec7p v\u1ee5 thanh to\u00e1n<\/h2>\n\n\n\n

Nghi\u1ec7p v\u1ee5 thanh to\u00e1n (Payment Services) l\u00e0 d\u1ecbch v\u1ee5 trung gian m\u00e0 ng\u00e2n h\u00e0ng cung c\u1ea5p \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n gi\u1eefa c\u00e1c b\u00ean. \u0110\u00e2y l\u00e0 nghi\u1ec7p v\u1ee5 t\u1ea1o ra ngu\u1ed3n thu ph\u00ed d\u1ecbch v\u1ee5 (Fee-based Income) quan tr\u1ecdng v\u00e0 ng\u00e0y c\u00e0ng chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn trong t\u1ed5ng thu nh\u1eadp ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

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Lo\u1ea1i thanh to\u00e1n<\/th>M\u00f4 t\u1ea3<\/th>K\u00eanh th\u1ef1c hi\u1ec7n<\/th><\/tr><\/thead>
Thanh to\u00e1n trong n\u01b0\u1edbc<\/td>Chuy\u1ec3n kho\u1ea3n, \u1ee7y nhi\u1ec7m chi, s\u00e9c, nh\u1edd thu<\/td>Qu\u1ea7y giao d\u1ecbch, Internet Banking, Mobile Banking<\/td><\/tr>\n
Thanh to\u00e1n qu\u1ed1c t\u1ebf<\/td>L\/C (Letter of Credit), T\/T (Telegraphic Transfer), D\/P, D\/A<\/td>SWIFT, h\u1ec7 th\u1ed1ng li\u00ean ng\u00e2n h\u00e0ng qu\u1ed1c t\u1ebf<\/td><\/tr>\n
Thanh to\u00e1n th\u1ebb<\/td>Th\u1ebb ghi n\u1ee3, th\u1ebb t\u00edn d\u1ee5ng n\u1ed9i \u0111\u1ecba v\u00e0 qu\u1ed1c t\u1ebf<\/td>POS, ATM, thanh to\u00e1n tr\u1ef1c tuy\u1ebfn<\/td><\/tr>\n
V\u00ed \u0111i\u1ec7n t\u1eed li\u00ean k\u1ebft<\/td>Thanh to\u00e1n qua v\u00ed MoMo, ZaloPay, VNPay li\u00ean k\u1ebft t\u00e0i kho\u1ea3n<\/td>\u1ee8ng d\u1ee5ng di \u0111\u1ed9ng<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Trong b\u1ed1i c\u1ea3nh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 m\u1ea1nh m\u1ebd, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh nhi\u1ec1u ch\u00ednh s\u00e1ch th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t theo Quy\u1ebft \u0111\u1ecbnh 1813\/Q\u0110-TTg c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7. C\u00e1c ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c n\u00e2ng c\u1ea5p h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7, \u1ee9ng d\u1ee5ng API m\u1edf (Open Banking), QR Code v\u00e0 x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc (Biometric Authentication) \u0111\u1ec3 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n

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“Nghi\u1ec7p v\u1ee5 thanh to\u00e1n l\u00e0 m\u1ea1ch m\u00e1u c\u1ee7a n\u1ec1n kinh t\u1ebf. M\u1ed7i giao d\u1ecbch thanh to\u00e1n th\u00e0nh c\u00f4ng \u0111\u1ec1u g\u00f3p ph\u1ea7n v\u00e0o s\u1ef1 lu\u00e2n chuy\u1ec3n v\u1ed1n v\u00e0 th\u00fac \u0111\u1ea9y ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i.”<\/p>\n<\/blockquote>\n\n\n\n

4. Nghi\u1ec7p v\u1ee5 ng\u00e2n qu\u1ef9<\/h2>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Nghi\u1ec7p v\u1ee5 ng\u00e2n qu\u1ef9 (Treasury Operations) li\u00ean quan \u0111\u1ebfn vi\u1ec7c qu\u1ea3n l\u00fd ti\u1ec1n m\u1eb7t, v\u00e0ng, b\u1ea1c, \u0111\u00e1 qu\u00fd v\u00e0 c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 trong kho qu\u1ef9 c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u00e2y l\u00e0 nghi\u1ec7p v\u1ee5 \u0111\u00f2i h\u1ecfi t\u00ednh ch\u00ednh x\u00e1c cao v\u00e0 tu\u00e2n th\u1ee7 nghi\u00eam ng\u1eb7t c\u00e1c quy \u0111\u1ecbnh v\u1ec1 an to\u00e0n kho qu\u1ef9.<\/p>\n\n\n\n

Nh\u00e2n vi\u00ean ng\u00e2n qu\u1ef9 (Treasury Staff) ph\u1ee5 tr\u00e1ch vi\u1ec7c ki\u1ec3m \u0111\u1ebfm, ph\u00e2n lo\u1ea1i, \u0111\u00f3ng g\u00f3i v\u00e0 b\u1ea3o qu\u1ea3n ti\u1ec1n m\u1eb7t; th\u1ef1c hi\u1ec7n thu chi ti\u1ec1n m\u1eb7t t\u1ea1i qu\u1ea7y; \u0111i\u1ec1u chuy\u1ec3n ti\u1ec1n gi\u1eefa c\u00e1c chi nh\u00e1nh v\u00e0 tr\u1ee5 s\u1edf ch\u00ednh. Ngo\u00e0i ra, b\u1ed9 ph\u1eadn ng\u00e2n qu\u1ef9 c\u00f2n qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, k\u00fd qu\u1ef9 v\u00e0 c\u00e1c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 m\u00e0 kh\u00e1ch h\u00e0ng giao cho ng\u00e2n h\u00e0ng b\u1ea3o qu\u1ea3n.<\/p>\n\n\n\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 qu\u1ea3n l\u00fd kho qu\u1ef9, bao g\u1ed3m ti\u00eau chu\u1ea9n k\u1ef9 thu\u1eadt kho ti\u1ec1n, quy tr\u00ecnh ki\u1ec3m k\u00ea v\u00e0 gi\u00e1m s\u00e1t. M\u1ed7i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i duy tr\u00ec m\u1ee9c t\u1ed3n qu\u1ef9 h\u1ee3p l\u00fd \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u giao d\u1ecbch h\u1eb1ng ng\u00e0y m\u00e0 kh\u00f4ng \u0111\u1ec3 l\u01b0\u1ee3ng ti\u1ec1n m\u1eb7t nh\u00e0n r\u1ed7i qu\u00e1 l\u1edbn, g\u00e2y l\u00e3ng ph\u00ed v\u1ed1n.<\/p>\n\n\n\n

5. Nghi\u1ec7p v\u1ee5 kinh doanh ngo\u1ea1i h\u1ed1i<\/h2>\n\n\n\n

Kinh doanh ngo\u1ea1i h\u1ed1i (Foreign Exchange — Forex) l\u00e0 ho\u1ea1t \u0111\u1ed9ng mua b\u00e1n c\u00e1c lo\u1ea1i ngo\u1ea1i t\u1ec7 v\u00e0 v\u00e0ng tr\u00ean th\u1ecb tr\u01b0\u1eddng nh\u1eb1m ph\u1ee5c v\u1ee5 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 t\u00ecm ki\u1ebfm l\u1ee3i nhu\u1eadn cho ng\u00e2n h\u00e0ng. T\u1ea1i Vi\u1ec7t Nam, ho\u1ea1t \u0111\u1ed9ng n\u00e0y ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo Ph\u00e1p l\u1ec7nh Ngo\u1ea1i h\u1ed1i 2005 (s\u1eeda \u0111\u1ed5i 2013) v\u00e0 c\u00e1c th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn.<\/p>\n\n\n\n

Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch ngo\u1ea1i h\u1ed1i giao ngay (Spot), k\u1ef3 h\u1ea1n (Forward), ho\u00e1n \u0111\u1ed5i (Swap) v\u00e0 quy\u1ec1n ch\u1ecdn (Option). T\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 h\u1eb1ng ng\u00e0y v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ni\u00eam y\u1ebft t\u1ef7 gi\u00e1 mua b\u00e1n trong bi\u00ean \u0111\u1ed9 cho ph\u00e9p. \u0110\u1ec3 tham kh\u1ea3o th\u00eam ki\u1ebfn th\u1ee9c chuy\u00ean s\u00e2u v\u1ec1 ng\u00e0nh, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ecdc b\u00e0i Ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 g\u00ec v\u00e0 c\u01a1 h\u1ed9i ngh\u1ec1 nghi\u1ec7p<\/a><\/em><\/strong>.<\/p>\n\n\n\n

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M\u1eb9o cho ng\u01b0\u1eddi mu\u1ed1n l\u00e0m vi\u1ec7c trong l\u0129nh v\u1ef1c ngo\u1ea1i h\u1ed1i:<\/strong> H\u00e3y trau d\u1ed3i ki\u1ebfn th\u1ee9c v\u1ec1 kinh t\u1ebf v\u0129 m\u00f4, theo d\u00f5i bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf v\u00e0 trang b\u1ecb ch\u1ee9ng ch\u1ec9 ACI Dealing Certificate ho\u1eb7c CFA Level 1 \u0111\u1ec3 t\u0103ng l\u1ee3i th\u1ebf c\u1ea1nh tranh khi \u1ee9ng tuy\u1ec3n.<\/p>\n<\/div>\n\n\n\n

6. Nghi\u1ec7p v\u1ee5 b\u1ea3o l\u00e3nh<\/h2>\n\n\n\n

B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng (Bank Guarantee) l\u00e0 cam k\u1ebft b\u1eb1ng v\u0103n b\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng v\u1edbi b\u00ean nh\u1eadn b\u1ea3o l\u00e3nh v\u1ec1 vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh thay cho kh\u00e1ch h\u00e0ng khi kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 ngh\u0129a v\u1ee5 \u0111\u00e3 cam k\u1ebft. \u0110\u00e2y l\u00e0 nghi\u1ec7p v\u1ee5 t\u1ea1o thu nh\u1eadp ph\u00ed d\u1ecbch v\u1ee5 cho ng\u00e2n h\u00e0ng m\u00e0 kh\u00f4ng c\u1ea7n s\u1eed d\u1ee5ng v\u1ed1n tr\u1ef1c ti\u1ebfp.<\/p>\n\n\n\n

C\u00e1c lo\u1ea1i b\u1ea3o l\u00e3nh ph\u1ed5 bi\u1ebfn trong th\u1ef1c t\u1ebf bao g\u1ed3m b\u1ea3o l\u00e3nh thanh to\u00e1n, b\u1ea3o l\u00e3nh th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng, b\u1ea3o l\u00e3nh d\u1ef1 th\u1ea7u, b\u1ea3o l\u00e3nh t\u1ea1m \u1ee9ng v\u00e0 th\u01b0 t\u00edn d\u1ee5ng d\u1ef1 ph\u00f2ng (Standby L\/C). Nghi\u1ec7p v\u1ee5 n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng trong l\u0129nh v\u1ef1c x\u00e2y d\u1ef1ng, mua s\u1eafm c\u00f4ng v\u00e0 th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c t\u1ebf, n\u01a1i c\u00e1c b\u00ean c\u1ea7n m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh uy t\u00edn \u0111\u1ee9ng ra cam k\u1ebft.<\/p>\n\n\n\n

\u2013 B\u1ea3o l\u00e3nh d\u1ef1 th\u1ea7u (Bid Bond): cam k\u1ebft ng\u01b0\u1eddi d\u1ef1 th\u1ea7u s\u1ebd k\u00fd h\u1ee3p \u0111\u1ed3ng n\u1ebfu tr\u00fang th\u1ea7u.<\/p>\n\n\n\n

\u2013 B\u1ea3o l\u00e3nh th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng (Performance Bond): cam k\u1ebft nh\u00e0 th\u1ea7u ho\u00e0n th\u00e0nh \u0111\u00fang h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n

\u2013 B\u1ea3o l\u00e3nh thanh to\u00e1n (Payment Guarantee): cam k\u1ebft b\u00ean mua s\u1ebd thanh to\u00e1n \u0111\u00fang h\u1ea1n.<\/p>\n\n\n\n

Nh\u00ecn chung, nghi\u1ec7p v\u1ee5 b\u1ea3o l\u00e3nh th\u1ec3 hi\u1ec7n uy t\u00edn v\u00e0 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi gi\u00fap c\u00e1c giao d\u1ecbch kinh t\u1ebf di\u1ec5n ra thu\u1eadn l\u1ee3i h\u01a1n khi c\u00e1c b\u00ean c\u00f3 s\u1ef1 b\u1ea3o ch\u1ee9ng t\u1eeb t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

7. Th\u1ecb tr\u01b0\u1eddng ngh\u1ec1 Nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i tr\u00ean CareerLink (2026)<\/h2>\n\n\n\n

D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ee9c tranh t\u1ed5ng quan th\u1ecb tr\u01b0\u1eddng tuy\u1ec3n d\u1ee5ng v\u1ecb tr\u00ed nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1eadp nh\u1eadt t\u1eeb CareerLink n\u0103m 2026. S\u1ed1 li\u1ec7u ph\u1ea3n \u00e1nh tin \u0111\u0103ng th\u1ef1c t\u1ebf v\u00e0 l\u00e0 tham chi\u1ebfu h\u1eefu \u00edch cho \u1ee9ng vi\u00ean \u0111\u1ecbnh h\u01b0\u1edbng ngh\u1ec1 nghi\u1ec7p.<\/p>\n\n\n\n\n\n\n
Ch\u1ec9 s\u1ed1<\/th>D\u1eef li\u1ec7u CareerLink 2026<\/th><\/tr>\n<\/thead>\n
T\u1ed5ng s\u1ed1 tin tuy\u1ec3n d\u1ee5ng \u0111ang m\u1edf<\/strong><\/td>306 tin tuy\u1ec3n d\u1ee5ng \u0111ang m\u1edf tr\u00ean CareerLink 2026<\/td><\/tr>\n
M\u1ee9c l\u01b0\u01a1ng tham chi\u1ebfu theo c\u1ea5p b\u1eadc<\/strong><\/td>Teller 9\u201314 tri\u1ec7u | Chuy\u00ean vi\u00ean kh\u00e1ch h\u00e0ng 12\u201322 tri\u1ec7u | Tr\u01b0\u1edfng ph\u00f2ng giao d\u1ecbch 30\u201350 tri\u1ec7u\/th\u00e1ng<\/td><\/tr>\n
Top v\u1ecb tr\u00ed c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c tuy\u1ec3n nhi\u1ec1u<\/strong><\/td>H\u00e0 N\u1ed9i | H\u1ed3 Ch\u00ed Minh | \u0110\u1eafk L\u1eafk | \u0110\u1ed3ng Nai | L\u00e2m \u0110\u1ed3ng<\/td><\/tr>\n
Khu v\u1ef1c tuy\u1ec3n d\u1ee5ng t\u1eadp trung<\/strong><\/td>H\u00e0 N\u1ed9i | H\u1ed3 Ch\u00ed Minh | \u0110\u1eafk L\u1eafk | \u0110\u1ed3ng Nai | L\u00e2m \u0110\u1ed3ng<\/td><\/tr>\n
Doanh nghi\u1ec7p \u0111\u0103ng tuy\u1ec3n ti\u00eau bi\u1ec3u<\/strong><\/td>C\u00d4NG TY TNHH B\u1ea2O HI\u1ec2M NH\u00c2N TH\u1ecc BIDV METLIFE | C\u00d4NG TY TNHH MANULIFE (VI\u1ec6T NAM) | T\u1ed4NG C\u00d4NG TY B\u1ea2O VI\u1ec6T NH\u00c2N TH\u1ecc | FE CREDIT | Chi Nh\u00e1nh C\u00f4ng Ty TNHH Transcosmos Vi\u1ec7t Nam – H\u1ed3 Ch\u00ed Minh<\/td><\/tr>\n
K\u1ef9 n\u0103ng v\u00e0 ch\u1ee9ng ch\u1ec9 \u0111\u01b0\u1ee3c \u01b0u ti\u00ean<\/strong><\/td>TOEIC 650+ | Excel n\u00e2ng cao + tra c\u1ee9u T24\/FCC | Hi\u1ec3u Basel III + IFRS 9 | Ph\u00e2n t\u00edch b\u00e1o c\u00e1o t\u00e0i ch\u00ednh | K\u1ef9 n\u0103ng b\u00e1n h\u00e0ng t\u01b0 v\u1ea5n<\/td><\/tr>\n
Xu h\u01b0\u1edbng tuy\u1ec3n d\u1ee5ng 2026<\/strong><\/td>Ng\u00e0nh ng\u00e2n h\u00e0ng d\u1eabn \u0111\u1ea7u v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng tin tuy\u1ec3n tr\u00ean CareerLink (306 tin). Vai tr\u00f2 Risk v\u00e0 Compliance t\u0103ng c\u1ea7u m\u1ea1nh sau quy \u0111\u1ecbnh Basel III t\u1ea1i Vi\u1ec7t Nam.<\/td><\/tr>\n<\/tbody>\n<\/table>\n\n\n\n
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G\u1ee3i \u00fd t\u1eeb d\u1eef li\u1ec7u CareerLink 2026<\/strong><\/p>\n

\u2013 \u1ee8ng vi\u00ean n\u00ean \u0111\u1ed1i chi\u1ebfu k\u1ef9 n\u0103ng v\u00e0 ch\u1ee9ng ch\u1ec9 c\u00e1 nh\u00e2n v\u1edbi y\u00eau c\u1ea7u th\u1ef1c t\u1ebf trong tin \u0111\u0103ng m\u1edbi nh\u1ea5t t\u1ea1i chuy\u00ean m\u1ee5c t\u01b0\u01a1ng \u1ee9ng.<\/p>\n

\u2013 M\u1ee9c l\u01b0\u01a1ng tr\u00ean l\u00e0 d\u1ea3i tham chi\u1ebfu \u2014 thu nh\u1eadp th\u1ef1c t\u1ebf ph\u1ee5 thu\u1ed9c quy m\u00f4 doanh nghi\u1ec7p, v\u1ecb tr\u00ed \u0111\u1ecba l\u00fd v\u00e0 kinh nghi\u1ec7m c\u1ee5 th\u1ec3.<\/p>\n

\u2013 \u0110\u1ea7u t\u01b0 ch\u1ee9ng ch\u1ec9 chuy\u00ean ng\u00e0nh v\u00e0 ngo\u1ea1i ng\u1eef l\u00e0 c\u00e1ch hi\u1ec7u qu\u1ea3 nh\u1ea5t \u0111\u1ec3 v\u01b0\u1ee3t l\u00ean trung v\u1ecb l\u01b0\u01a1ng.<\/p>\n<\/div>\n\n\n\n

8. C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n\n\n\n

1. Nghi\u1ec7p v\u1ee5 n\u00e0o t\u1ea1o ra doanh thu l\u1edbn nh\u1ea5t cho ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i?<\/em><\/strong><\/p>\n\n\n\n

Nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng (cho vay) th\u01b0\u1eddng \u0111\u00f3ng g\u00f3p 60-70% t\u1ed5ng doanh thu c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam th\u00f4ng qua thu nh\u1eadp l\u00e3i thu\u1ea7n. Tuy nhi\u00ean, xu h\u01b0\u1edbng hi\u1ec7n nay c\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u0111\u1ea9y m\u1ea1nh ph\u00e1t tri\u1ec3n thu nh\u1eadp ngo\u00e0i l\u00e3i (Non-Interest Income) t\u1eeb ph\u00ed d\u1ecbch v\u1ee5 thanh to\u00e1n, b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft (Bancassurance) v\u00e0 kinh doanh ngo\u1ea1i h\u1ed1i.<\/p>\n\n\n\n

2. Sinh vi\u00ean ng\u00e0nh n\u00e0o ph\u00f9 h\u1ee3p \u0111\u1ec3 l\u00e0m nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng?<\/em><\/strong><\/p>\n\n\n\n

C\u00e1c ng\u00e0nh ph\u00f9 h\u1ee3p nh\u1ea5t l\u00e0 T\u00e0i ch\u00ednh Ng\u00e2n h\u00e0ng, K\u1ebf to\u00e1n, Kinh t\u1ebf v\u00e0 Qu\u1ea3n tr\u1ecb Kinh doanh. Ngo\u00e0i ra, ng\u00e0nh C\u00f4ng ngh\u1ec7 Th\u00f4ng tin ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng tuy\u1ec3n d\u1ee5ng nhi\u1ec1u cho m\u1ea3ng ng\u00e2n h\u00e0ng s\u1ed1 (Digital Banking) v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u.<\/p>\n\n\n\n

3. Nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng c\u00f3 thay \u0111\u1ed5i nhi\u1ec1u trong th\u1eddi \u0111\u1ea1i s\u1ed1 h\u00f3a kh\u00f4ng?<\/em><\/strong><\/p>\n\n\n\n

B\u1ea3n ch\u1ea5t 6 nghi\u1ec7p v\u1ee5 c\u1ed1t l\u00f5i kh\u00f4ng thay \u0111\u1ed5i, nh\u01b0ng c\u00e1ch th\u1ee9c th\u1ef1c hi\u1ec7n \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i m\u1ea1nh m\u1ebd. Thanh to\u00e1n s\u1ed1, cho vay tr\u1ef1c tuy\u1ebfn (Online Lending), eKYC (x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed) v\u00e0 ng\u00e2n h\u00e0ng m\u1edf (Open Banking) \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i c\u00e1ch ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n

6 nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/strong> bao g\u1ed3m huy \u0111\u1ed9ng v\u1ed1n, t\u00edn d\u1ee5ng, thanh to\u00e1n, ng\u00e2n qu\u1ef9, kinh doanh ngo\u1ea1i h\u1ed1i v\u00e0 b\u1ea3o l\u00e3nh t\u1ea1o n\u00ean b\u1ee9c tranh to\u00e0n di\u1ec7n v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng. M\u1ed7i nghi\u1ec7p v\u1ee5 \u0111\u1ec1u \u0111\u00f3ng vai tr\u00f2 ri\u00eang bi\u1ec7t nh\u01b0ng li\u00ean k\u1ebft ch\u1eb7t ch\u1ebd v\u1edbi nhau trong chu\u1ed7i gi\u00e1 tr\u1ecb t\u00e0i ch\u00ednh. Hi\u1ec3u r\u00f5 nh\u1eefng nghi\u1ec7p v\u1ee5 n\u00e0y s\u1ebd gi\u00fap b\u1ea1n c\u00f3 n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc \u0111\u1ec3 ph\u00e1t tri\u1ec3n s\u1ef1 nghi\u1ec7p trong ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

Minh An<\/strong><\/p>\n\n\n\n

B\u00e0i vi\u1ebft mang t\u00ednh ch\u1ea5t tham kh\u1ea3o, vui l\u00f2ng \u0111\u1ed1i chi\u1ebfu v\u1edbi v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh khi c\u1ea7n th\u00f4ng tin ch\u00ednh x\u00e1c.<\/em><\/p>\n\n\n\n

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