BthihtmnLthuytTichnhTint

BthihtmnLthuytTichnhTint..........................................................................1
PhnI:Cuhilachn .........................................................................................................2
Chng2:Tichnhdoanhnghip...........................................................................................5
Chng3:NgnschNhnc...............................................................................................7
Chng5:ThtrngTichnh.............................................................................................10
Chng7:NhngvncbnvLisut ..........................................................................14
Chng8:NgnhngThngmi ........................................................................................20
Chng9:Qutrnhcungngtint.....................................................................................25
Chng10:NgnhngTrungngvChnhschtint......................................................30
Chng11:TichnhQuct ...............................................................................................34
Chng12:Lmphtvnnhtint.................................................................................35
Chng13:CuTint .........................................................................................................37
PhnII:Cuhiphntch,lungii.......................................................................................40
Cu1:Phntchccchcnngcatint.TrongqutrnhtchcvqunlnnkinhtVitNam,
ccchcnngcnhnthcvvndngnhthno?..............................................40
Cu2:Vaitrcatinttrongnnkinhtthtrng.Snhnthcvvndngvaitrcatinttrong
nnkinhtVitNamhinnay?.............................................................................................40
.............................................................................................................................................40
Cu3:LuthngtintVitNamvbinphpkhcphc................................................41
Cu4:QuilutcaluthngtintcaK.Marxvsvndngquilutluthngtinttrongiukin
nnkinhtthtrng. ...........................................................................................................42
Cu5:Thnhphnmccungtintvccnhntnhhngnmccungtinttrongnnkinhtth
trng.nghacavnnghincu. ..................................................................................44
Cu6:Thnhphnmccutintvccnhntnhhngnmccutinttrongnn kinhtth
trng.nghacavnnghincu. ..................................................................................44
Cu7:Nguynnhnvhuqucalmpht........................................................................45
Cu8:VaitrtndngivisphttrinkinhtVitNam. ..........................................46
Cu9:Trongccloihnhquanhtndnghc,nhngloihnhnolphhpvisphttrin
kinhtVitNam?Ccbinphpcngcvhonthin. ...............................................47
Cu10:Lisutvvaitrcalisutivisphttrinkinht........................................48
Cu11:ThctrngcavicqunlviuhnhlisutVitNamvbinphpkhcphc.48
Cu11:Phntchccchcnngcangnhngthngmi. .................................................49
Cu12:Vaitrcangnhngthngmiivisphttrinkinht .................................50
Cu13:Tbngcnitisncangnhngthngmidngnginhytrnhbynghacatin
chovayvvnqunltinchovaycangnhngthngmi.Linhvithctinhotngngn
hngthngmiVitNam .................................................................................................51
Cu14:PhntchcchotngcbncaNHTM.LinhvicchotngNHTMVitNam.
52
Cu15:TrnhbynidungqunlhotngNHTM.LinhthctinvinnkinhtVitNam.
52
Cu16:Phntchskhcbitgiangnhngthngmivicctchctichnhtrunggianphingn
hng.nghacavnnghincu. .....................................................................................53
Cu17:PhntchccchcnngcangnhngTrungng.Lin hvihotngcangnhngnh
ncVitNamvitcchlngnhngTrungng............................................................54
Cu18:VaitrcangnhngTrungngivisphttrinkinht.Linhvihotngcangn
hngNhncVitNam.......................................................................................................56

Page 1

Cu19:PhnbitngnhngTrungngvngnhngthngmi,tnulnnghacacngcuc
imiHthngNgnhngVitNamtnm1988. ........................................................57
Cu20:VaitrcaNgnschNhncivisphttrinkinht.LinhvithctinVitNam.
58
Cu21:Vaitrcathuivisphttrinkinht.Thctrngvccgiiphpkhcphcnhnghn
chcathuVitNam. .......................................................................................................59
Cu22:PhntchthctrngcachitiuNgnschNhncVitNamvbinphpkhcphc.
60
Cu23:Phntchccmctiu,cngcvcchvnhnhcaChnhschTichnhQucgia.Linh
vithctinVitNam. .......................................................................................................61
Cu24:Nidungvyucuqunltichnhtrongccdoanhnghip.LinhvithctinVitNam.
61
Cu25:CcgiiphpkhitngngunvnchoccdoanhnghipVitNam.................62
Cu26:Tgi,vaitrvtcngcatginnnkinht.Ccphngphpxcnhtgiviu
tittgiVitNam. ............................................................................................................63
Cu27:Phntchnidungcacncnthanhtonquct.LinhvithctinVitNam.64
Cu28:ThtrngNgoihi.................................................................................................64
Cu29:ThtrngchngkhonVitNam:Qutrnhhnhthnh,vaitr,thctrnghotngvgii
phpcngc,phttrin. ........................................................................................................65
Cu30:Thtrngtichnh,thctrngvccgiphpphttrinthtrngtichnhVitNam.
66

PhnI:Cuhilachn
1. Mcthanhkhoncamttisncxcnhbi:
a) Chiphthigianchuyntisnthnhtinmt.
b) Chiphtichnhchuynti snthnhtinmt.
c) Khnngtisncthcbnmtcchddngvigithtrng.
d) Ca)vb).
e) Cngisnsngtrmtstinshutisn.
TL:d)theonhnghavLiquidity
2. Trongnnkinhthinvt,mtcongcgibng10 bnhm,mtbnhsacgi
bng5bnhm.Gicamtbnhsatnhtheohnghokhcl:
a) 10 bnhm
b) 2cong
c) Nacong
d) Khngcnong
TL:c)

Page 2

3. Trongcctisnsauy:(1)Tinmt(2)Cphiu(3)Mygitc(4)Nginhcp4.
Trttxpsptheomcthanhkhongimdncacctisnl:
a) 1432
b) 4312
c) 2143
d) Khngccunotrnyng
TL:d)
4. Mccungtintthchinchcnnglmphngtintraoittnhtl:
a) M1.
b) M2.
c) M3.
d) Vngvngoitmnh.
e) Khngcphngnnong.
TL:a)vM1llngtinctnhthanhkhoncaonht.
5. Mnhnokhngngtrongccmnhsauy
a) Gitrcatinllnghnghomtincthmuac
b) Lmphtlmgimgitrcatint
c) Lmphtltnhtrnggictngln
d) Nguynnhncalmphtldogictngln
TL:d)c2yutcngniv1hintngllmpht
6. iukinmthnghocchpnhnltintrongnnkinhtgm:
a) Thunlitrongvicsnxutrahnglotvddngtrongvicxcnhgitr.
b) cchpnhnrngri.
c) Cthchianhvsdngludimkhngbhhng.
d) C3phngntrn.
e) Khngcphngnnong.
TL:d)theolunimcaF.Minshkin(1996),Chng2.
7. Mnhnodiy khngngkhinivcimcachbnvvng?
a) Nhnckhnghnchvicctinvng.
b) Tingiyctdochuyniravngvislngkhnghnch.
c) Tingiyvtinvngcngcluthngkhnghnch.

Page 3

d) C3phngntrnung.
TL:d)Vphngnb)lmtmnh ng.
8. Trongthikchbnvvng:
a) Chtgicnhvxcnhdatrncsnganggivng.
b) Thngmigiaccncckhuynkhch.
c) NgnhngTrungnghontoncthnnhclngtincungng.
d) a)vb)
TL:d)vphngnc)lsai:lngtincungngphthucvodtrvng.
10.Chcnngnocatintcccnhkinhthchiniquannimlchclquantrngnht?
a) Phngtintraoi.
b) Phngtinolngvbiuhingitr.
c) Phngtinlugigitr.
d) Phngtinthanhtonquct.
e) Khngphicctrn.
TL:a)
11.Tnhthanhkhon(tnhlng)camtloitisncxcnhbiccyutdiy:
a) Chiphthigianchuynthnhtisnthnhtinmt
b) Chiphtichnhchuyntisn thnhtinmt
c) Khnngtisncthcbnvigithtrngcan
d) Ca)vb)
e) Ca)vc)
TL:d)
12.Vicchuyntloitintcgitrthc(Commoditiesmoney)sangtinquyc(fiatmoney)cxem
lmtbcphttrintronglchstintbiv:
a)Titkimchiphluthngtint.
b)TngcngkhnngkimsotcacccquanchcnngcaNhncivicchotng
kinht.
c)Chnhvymicthpngnhucucasnxutvtraoihnghotrongnnkinht.
d)Titkimckhilngvngpngchoccmcchsdngkhc.
TL:c)VMV=PY,gisP/Vtthayi,MsphthucvoY.Ykhngngngtngln,khilngv
trlngVngtrnthgiiskhngthpng.

Page 4

13. Gictrongnnkinh ttraoibnghinvt(bartereconomy)ctnhdatrncs:

a)Theocungcuhngho.
b)Theocungcuhnghovsiutitcachnhph.
c)Mtcchngunhin.
d)Theogiccathtrngquct.
TL:c)Vtrongnnkinhthin vt,chaccc yutCung,Cu,siutitcaChnhph vnh
hngcathtrngquctnshnhthnhgic.
14.ThanhtonbngthngnhngcthcphbinrngritrongccnnkinhthinivVitNam
biv:
a) thanhtonbngth ngn hng l hnhthcthanhtonkhngdngtin mtngin,thun
tin,anton,vichiphthpnht.
b) ccncvVitNamciukinutln.
c) ylhnhthcphttrinnhtcathanhtonkhngdngtinmtchonngynay.
d) hnhthcnycthlmchobtkngtinnocngcthcoiltinquct(International
money)vcthcchitiuminthuncngoivislngkhnghnch.
TL:c)
15."Giybcngnhng"thcchtl:
a)Mtloitnt.
b)Tinclmbnggiy.
c)Tincraithngquahotngtndngvghitrnhthngtikhoncangnhng.
d)Tingibanuvtingidoccngnhngthngmitora.
TL:a)

Chng2:Tichnhdoanhnghip

16.Vaitrcavnivi ccdoanhnghipl:
a)iukintin,mbostntinnhvphttrin.
b)iukindoanhnghipraivchinthngtrongcnhtranh.
c)iukinsnxutkinhdoanhdinralintcvnnh
d)iukinutvphttrin.
TL:a)baohm yccvaitrcavniviDN.
17.Vnlungcadoanhnghiptheonguynlchungcthchiul:

Page 5

a)Gitrcatonbtisnlungcadoanhnghip.
b)Gitrcatisnlungvmtstisnkhccthigianlunchuynt5n10nm.
c)Gitrcacngclaongvnguynnhinvtliucthigiansdngngn.
d)Gitrcatisnlung,bngphtminhsngchvccloichngkhonNhnckhc.
TL:a)
18.Vncnhtheonguynlchungcthchiul:
a)Gitrcatonbtisncnh,tai,nhxngvnhngkhonuttichnhdihn
cadoanhnghip.
b)Gitrcamymcthitb,nhxng,vutdihncadoanhnghip.
c)Gitrcatisncnhhuhnhvvhnhcadoanhnghip.
d)Theoquynhcthcatngnctrongmithik.
TL:
19.Skhcnhaucnbncavnlungvvncnhl:
a)Quymvcimlunchuyn.
b)cimlunchuyn,vaitrvhnhthctnti.
c)Quy mvhnhthctnti.
d)cimlunchuyn,hnhthctnti,thigiansdng.
e)Vaitrvcimlunchuyn.
TL:b)lphngnynht.
20.NgunvnquantrngnhtpngnhucuutphttrinvhinihoccdoanhnghipVit
Naml:
a)Chdoanhnghipbthmvnvosnxutkinhdoanh.
b)NgnschNhnchtr.
c)Tndngtrungvdihntccngnhngthngmi,cbitlngnhngthngmiNh
nc.
d)Ngunvnsnctrongcctnglpdnc.
e)Ngun vntncngoi:lindoanh,vay,nhnvintr.
TL:d)
21.nghacavicnghincusphnbitgiavncnhvvnlungcamtdoanhnghipl:
a)Tmraccbinphpqunl,sdngthchinkhuhaotisncnhnhanhchngnht.
b)Tmraccbinphpqunlvtngnhanhvngquaycavnlung.
c)Tmraccbinphptitkimvn.
d)Tmraccbinphpqunlsdnghiuqunhtivimiloi.
Page 6

e)botonvncnhvantontrongsdngvnlung.
TL:d)
22.Vntndngngnhngcnhngvaitrividoanhnghipcthl:
a)Bsungthmvnlungchoccdoanhnghiptheothivvcngchchtonkinht.
b)Tngcnghiuqukinhtvbsungnhucuvvntrongqutrnhsnxutkinhdoanhca
ccdoanhnghip.
c)Bsungthmvncnhchoccdoanhnghip,nhtlccVitNamtronggiaionhinnay.
d)Tngcnghiuqukinhtvkhnngcnhtranhchoccdoanhnghip.
TL:b)

Chng3:NgnschNhnc

23.NhngkhonmcthuthngxuyntrongcniNgnschNhncbaogm:
a) Thu,shutisn,phvlph.
b) Thu,shutisn,phvlph,phthnhtriphiuchnhph.
c) Thu,shutisn,phvlph,litccphncaNhnc.
d) Thu,phvlph,tcckhonvintrchonli.
e) Thu,phvlph,bnvchothutisnthucshucaNhnc.
f) Thu,phvlph,tvayncancngoi.
TL:a)
24.NhngkhonchinodiycaNgnschNhnclchichout phttrinkinhtxhi:
a)ChidtrNhnc,chichuynnhngut
b)ChihtrvnchoDNNN,vutvohtngcscannkinht.
c)Chichmscvbovtrem.
d)Chiutchonghincukhoahc,cngnghvbovmitrng.
e)Chitrgimthngchnhsch.
f) Chigiiquytchtinlngkhihnhchnhsnghip.
TL:b)c)vd)
25.CckhonthunodiyccoilthukhngthngxuyncaNgnschNhncVit
Nam?
a) Thuthunhpcnhnvcckhonvintrkhnghonli.
b) Thulmpht,thuthunhpcnhnvthutcctphthnhcngtri.
c) Thutshutisnvktdngnschnmtrc.

Page 7

d)Vintrkhnghonlivvaynncngoi.
e)Ttcccphngntrnusai.
TL:e)Vtrongmiphngna,b,c,ductnhtmtkhonthuthngxuynhaykhngphilthuca
NgnschNhnc.
26.KhonthunodiychimttrnglnnhttrongtngthuNgnschNhncVitNam:
a)Thu
b)Ph
c)Lph
d)Shutisn:DNNNvcctisnkhc.
TL:a)VThuvnlngunthuchyu,trongkhiccDNNNvvicqunlsdngTisncaNhnc
ukhnghiuqu.
27.VicnghincunhngtcngtiucccaThuctcdng:
a) xy dng k hoch ct gim thu nhm gim thiu gnh nng thu cho cc doanh nghip v
cngchng.
b)xydngchnhschthuti u,mbodoanhthuThuchoNgnschNhnc.
c)kchthchxutkhuhnghorancngoivgimthiugnhnngthuchocngchng.
d)kchthchnhpkhuhnghorancngoivgimthiugnhnngthuchocngchng.
TL:b)VchnhschthuccoiltiutclgimthiunhngtcngtiucccaThuivinn
kinhtnhngvnmbodoanhthuthcaonht.
28.nhhngcathmhtngnschivinnkinhtthngquastcngti:
a) Lisutthtrng.
b) Tngtitkimqucgia.
c) utvcncnthngmiquct.
d) Ca,b,c.
TL:d)
29.Thuccoilcvaitrquantrngivinnkinhtbiv:
a) ThulngunthuchyucaNgnschNhncvlcngcqunlviutitvmnn
KTQD.
b) Thu l cng c kch thch nhp khu v thu ht ut nc ngoi vo Vit Nam, c bit
tronggiai oncngnghipho,hinihohinnay.
c) ChnhschThulmttrongnhngnidungcbncachnhschtichnhqucgia.

Page 8

d) VicquynhnghavnggpvThuthngcphbinthnhLuthaydoBTichnh
trctipbanhnh.
TL:a)
30.Trongcckhonchisau,khonchinolthucchithngxuyn?
a)

ChidnsKHHG.

d)ChitrcpNSchoPhng,X.

b)

Chikhoahc,cngnghvmitrng.

e)Chigiiquytviclm.

c)

Chibgihngchnhsch.

f)Chidtrvtt caNhnc.

TL:a)
31.NguynnhnthtthuThuVitNambaogm:
a)DochnhschThuvnhngbtcptrongchitiucaNgnschNhnc.
b)Dohnchvnhnthccacngchngvmtsquanchc.
c)Donhnghnchcacn bThu.
d)Ttcccnguynnhntrn.
e)Khngphiccnguynnhntrn.
TL:d)
32.ChnnguyntccniNSNNng:
a) ThuNS ChiNS>0
b) ThuNS(khngbaogmthutivay)ChiNSthngxuyn>0
c) ThuNSNN Chithngxuyn=Chiut+trn(ctndngNN)
d) ThuNS=ChiNS
TL:b)
33.CcgiiphptitrthmhtNgnschNhncbaogm:
a)Tngthu,tngphthnhtriphiuChnhphvTnphiuKhobc.
b)Phthnhtin,tngthuthunhpcnhnvphthnhtriphiuChnhph.
c)Tngthu,phthnhtinvtriphiuChnhphvaytindnc.
d)Tngthu,tngphthnhtinvvaynncngoi.
e) Khngcgiiphpnotrny.
TL:c)

Page 9

34.TrongccgiiphpnhmkhcphcthmhtNgnschNhncdiy,giiphpnoscnhh
ngnmccungtint?
a)Phthnhthmtinmtvoluthng.
b)VaydnctrongncthngquaphthnhtriphiuChnhphvTnphiuKhobc.
c)PhthnhtriphiuQuct.
d)PhthnhvbntriphiuChnhphchoccNgnhngThngmi.
TL:a)vd).
35.GiiphpbpthmhtNgnschNhnccchiphchithpnhtl:
a) Chcnphthnhthmtinmtvoluthng.
b) Vaytincadnc.
c) Chcntngthu,cbitthuthunhpdoanhnghip.
d) Chcntngthu,cbitlthuXutNhpkhu.
TL:b)
36.ChnhschTikhochiul:
a)ChnhschTintmrngtheoquanimmi.
b)ChnhschTichnhQucgia.
c)Lchnh schkinhtv m nhmnnh v tngtrngnnkinhtthngquacccngc
Thu,ChiNgnschNhnc.
d)LbphncuthnhchnhschTichnhQucgia,ccccngcThu,ChiNgnschNh
nc,vcccngciutitCungvCutint.
TL:c)

Chng5:ThtrngTichnh

37. ctrngnokhinchoThtrngChngkhonbcoilctnhchtmayrigingvi"sngbc"?
a)Rirocaovttcngithamgiaugiulnmtcchrtnhanhchng.
b)Ttcmitnhtonumangtnhtngi.
c)Rtnhnnhpvhpdn,thchhpvingi athchmohimvphicrtnhiutin.
d)Nucvnlnvbnlnhthsmbothngli.
TL:b)
38. Thtrngchngkhontrnthctchnhl:
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a)Sgiaodchchngkhon.
b)Ttcnhngnidinracchotngmuavbnvntrungvdihn.
c)Ttcnhngnimuavbnchngkhon.
d)Ttcnhngnimuavbncphiuvtriphiu.
TL:c)
39. Thtrngvntrnthctchiul:
a)Thtrngm.
b)Thtrngchngkhon.
c)Thtrngtndngtrung,dihnvthtrngchngkhon.
d)Ttcnhngnidinracchotngmuavbnvnvithihntrnmtnm.
e)Ttcnhngnidinracchotngmuavbnvnvithihntrnmtnmgiaccngn
hngthngmiviccdoanhnghipvdnc.
TL:d)
40. Cnccsdngphnbitthtrngvnvthtrngtintl:
a)Thihnchuyngiaovnvmcriro.
b)Thihn,phngthcchuyngiaovnvccchththamgia.
c)Cngctichnhcsdngvlisut.
d)Ccchththamgiavlisut.
e)Thihnchuyngiaovn.
TL:e)Chcncncvothihnchuyngiaovnmthi.
41.Cccngctichnhnodiylchngkhon:
a) Chngchtingi(CDs).

d)Thngphiu.

b) KphiuNgnhng.

e)TnphiuKhobc.

c) Cphiuthngthng.

f)TriphiuChnhph.

TL:d)Thngphiu(KphiuvHiphiu)lphngtinthanhton,cthchitkhu,nhngcha
iukin(vthunhpvgic)cachngkhon.
42.Ccchththamgiathtrngmbaogm:
a)NgnhngTrungng.
b)Cctchctichnhtrunggianphingnhngvccngnhngthngmithnhvin.
c)Hgianh.

Page 11

d)DoanhnghipNhncdihnhthcccTngcngty.
e)DoanhnghipngoiQucdoanhviquymrtln.
TL:a)vb).
43.Nubnchorngnnkinhtssuyspvonmti,thbnsnmgitisn:
a) Cphiuthngthng.
b) TriphiuChnhph.

d)Btngsn.
e)Ngoitmnh.

c) VngSJC.

f)intvgqu.

TL:c)ve)
44.Spxpthttheomcantoncacccngctichnhsau:
a) Tnphiukhobc

d)TriphiuNH

b) Ngnphiu

e)TriphiuCP

c) Chngchtingi

f)Cphiu

TL:baecdf
45.Phiunchuynil:
a)Cphiuthngthng.
b)Triphiucngty.
c)Triphiucngtyckhnngchuynthnhcphiuthngthng.
d)TriphiuChnhphckhnngchuynithnhcphiucabtccngtycphnno.
e)Khngphiccloigiytcgitrn.
TL:c)
46.ThtrngOTC:
a)Lthtrngvhnh,hotngdinrasutngymvkhpmini.
b)LSgiaodchthhaitrongccnccthtrngchngkhonphttrin.
c)Lthtrnggiaodchccloicphiucaccdoanhnghipvavnh.
d)Lthtrngtdoanhcacccngtychngkhonthnhvin.
e)Lthtrngbnbunccloichngkhon.
TL:d)
47.Cccngctichnhbaogm:

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a)Ccloigiytcgicmuabntrnthtrngtichnh.
b)Cphiuuivphiunchuyni.
c)Thngphiuvnhngbolnhcangnhng(BanksAcceptances).
d)Ccphngtinthanhtonkhngdngtinmt.
TL:a)
48.Chngkhonl:
a)Ccgiytcgicmuabntrnthtrngtichnh.
b)Cphiuvtriphiuccloi.
c)Ccgiytcgi,manglithunhp,quynthamgiashuhocin,vcmuabntrnth
trng.
d)TnphiuKhobcvccloithngphiu.
TL:c)TheoN48/1998.
49.Chcnngcbnnhtcath trngchngkhonl:
a)Cungcpthngtinvnhgiccdoanhnghip.
b)Chuyngiaovn,bintitkimthnhut.
c)Dbosckhocannkinht,knhdntruynvnquantrngbcnhtcannkinhtth
trng.
d)nhgidoanhnghip,cungcpthngtin,tokhnnggimstcaNhnc.
TL:b).Ccnidungkhccthlvaitrhochotngcathtrngchngkhon.
50.Shnhthnhvtntisongsonggiahotngcahthngngnhngvthtrngchngkhonl
v:
a)Haiknhdntruynvnnyscnhtranhtchccvinhau,vknhchiuquhnsc
tntivphttrin.
b)Haiknhnysbsungchonhauvdovypngynhtnhucuvvnutvtho
mnmiitngccimvachungrirocacngchngtrongnnkinht.
c)Thtrngchngkhonlmtctrngcbncannkinhtthtrng.
d)Ccngnhngsbphsnnukhngchotngcathtrngchngkhonvngcli.
TL:b)
51.Chcnngduynhtcathtrngtichnhl:
a)Chuyngiaovn,bintitkimthnhut.
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b)Tchccchotngtichnh.
c)Toiukinchoccdoanhnghipcqungbhotngvsnphm.
d)pngnhucuvayvchovaycaccchthkhcnhautrongnnkinht.
TL:a)

52.

Chng7:NhngvncbnvLisut
Nhngmnhnodiyccoilng:
a) Ccloilisutthngthayicngchiu
b) Trnthtrngcnhiuloilisutkhcnhau
c) Lisutdihnthngcaohnlisutngnhn
d) Ttccccutrnung
TL:d)theoF.Minshkin(1996).

53.

Mttriphiuhintiangcbnvigicaohnmnhgith:
a) Litccatriphiucaohntsutcoupon
b) Litccatriphiubnglisutcoupon
c) Litccatriphiuthphntsutcoupon
d) Khngxcnhclitccatriphiu
TL:c)litctlnghchvigitriphiu

54.

Chnmnhngtrongccmnhsauy:
a) Tsutcouponcatriphiuthnglcnhtrongsutthigiantnticatri
phiu.
b) Litcdotriphiumangliluncnh.
c) Tsutcouponcatriphiubngvimnhgitriphiu.
d) Ticccloitriphiuutrli.
TL:a)

55.

Numttriphiuctsutcoupon(trhngnm)l5%,khn4nm,mnhgi
$1000,cctri phiutngtangcbnvimclitc8%,thgicatriphiu

Page 14

nylbaonhiu?
a) $1000
b) $880,22
c) $900,64
d) $910,35
TL:b)lgitrhinticadngtindotriphiumanglicchitkhu8%
56.

MtTnphiuKhobckhnmtnmmnh gi$100angcbntrnthtrng
vitsutlitcl20%.Gicatnphiucbntrnthtrngl
a) $80.55
b) $83.33
c) $90.00
d) $93.33
TL:b)

57.

Chramnhkhngngtrongccmnhsau:
a) Rirovncngcaothlitccatriphiucngcao
b) Triphiucbnvigicaohnmnhgicchtlngrtcao
c) Triphiuctnhthanhkhoncngkmthlitccngcao
d) Triphiucngtyclitccaohnsovitriphiuchnhph
TL:b)khngphnnhchtlngcatriphiu

58.

Yutnokhngccoilnguncungngngunvnchovay
a) Titkimcahgianh
b) Qukhuhaotisncnhcadoanhnghip
c) ThngdngnschcaChnhphvaphng
d) Cckhonutcadoanhnghip
TL:b)

59.

Theolthuytvdtnhvcutrckhncalisutth:
a) Ccnhutkhngcskhcbitgiavicnmgicctriphiudihnv
ngnhn.
b) Lisutdihnphthucvodtnhcanhutvcclisutngnhntrong
tnglai.
c) Sathchcaccnhutc tchcquytnhlisutdihn.
Page 15

d) Mitrngutinvthtrngphncchlmchocutrckhntrthnhkhng
cngha.
TL:b)
60.

Chnccmnhngtrongccmnhsau:
a) Chngkhoncthanhkhoncngcaothlitccngthp.
b) Khnchngkhoncngdithlitccngcao.
c) Ccchngkhonngnhncrirovgicaohnccchngkhondihn.
d) Ccmnha)vb)lng.
TL:d)

61.Ginhccyutkhckhngthayi,trongiukinnnkinhtthtrng,khinhiungi
munchovayvntrongkhichctngimunivaythlisuts:
a) tng
b) gim
c) khngbnhhng
d) ThayitheochnhschiutitcaNhnc.
TL:b)docungvntng,cuvngim.
62.Ginhccyutkhckhngthayi,khilisuttrnthtrngtng,thgicatriphius:
a) tng
b) gim
c) khngthayi
TL:b)dogivlisuttlnghchvinhau
63.Ginhccyutkhckhngthayi,khilisuttrnthtrnggim,thgicatriphius:
a) tng
b) gim
c) khngthayi
TL:a)
64. Mttriphiuctsutcouponbngvilisuttrnthtrngscbnvigino?
a) Thphnmnhgi.

Page 16

b) Caohnmnhgi.
c) Bngmnhgi.
d) Khngxcnhcgi.
TL:c)
65.Mttriphiuctsutcouponcaohnlisuttrnthtrngscbnvigino?
a) Thphnmnhgi
b) Caohnmnhgi
c) Bngmnhgi
d) Khngxcnhcgi
TL:b)
66.Mttriphiuctsutcouponthphnlisuttrnthtrngscbnvigino?
a) Thphnmnhgi
b) Caohnmnhgi
c) Bngmnhgi
d) Khngxcnhcgi
TL:a)
67. Ginhccyutkhckhngthayicngnhkhngktisutinvsphncchvth
trng,khimcrirocakhonvaycngcaothlisutchovays:
a) cngtng
b) cnggim
c) khngthay i
TL:a)Rirotng,lisuttng
68. Khngkticcyutkhcnh:thtrngphncchhaymitrngutin,khithihnchovay
cngdithlisutchovays:
a) cngcao.
b) cngthp.
c) khngthayi.
d) caogpi.
TL:a)

Page 17

69. Lisutthcscnghal:
a)lisutghitrncchpngkinht.
b)llisutchitkhuhaytichitkhu.
c)llisutdanhnghasaukhiloibtllmpht.
d)llisutLIBOR,SIBORhayPIBOR,v.v...
TL:c)
70. Khilisutgim,trongiukinVitNam,bns:
a)muangoitvvngdtr.
b)bntriphiuChnhphvutvoccdoanhnghip.
c)bntriphiuChnhphangnmgivgitinrancngoivilisutcaohn.
d)tngutvotaihayccbtngsnkhc.
TL:d)
71. NhucuvayvncakhchhngsthayinhthnonuchitiucaChnhphvthugimxung?
a)Tng.
b)Gim.
c)Khngthayi.
d)Khngccsaranhnnh.
TL:d)
72. Phichngttcmingiucngbthithikhilisuttng?
a)ng,nhtlccngnhngthngmi.
b)Sai,vccngnhngthngmislunclidothunhptlisutchovay.
c)50%sngicliv50%sngibthithi.
d)Ttcccnhnnhtrnusai.
TL:a)
73. Vsaocccngtybohimtainnvtisnliutnhiuvotriphiuaphng,trongkhicc
cngtybohimsinhmnglikhnglmnhth?
a)Vsinhmngconngilqunht.
b)VtriphiuaphngcnglmtdngtriphiuChnhphantonnhngkhnghpdn
ivicccngtybohimsinhmng.

Page 18

c)Vloihnhbohimtainnvtisnnhtthitphiclinhun.
d)Vcngtybohimsinhmngmunmrngchovayngnhnchiuquhn.
TL:a)
74. cthnnhlisutmtmcnhtnh,stnglntrongcutintdnnstnglncng
tccacungtintbiv:
a) Cungvcutintlunbinngcngchiuvinhauvcngchiuvilisut.
b) Cungvcutintlunbinngngcchiuvinhauvngcchiuvilisut.
c) Cungvcutintlunbinngcngchiuvinhauvngcchiuvilisut.
d) Lisutphthucvocungvcutint.
TL:d)
75. Lisuttrchotingi(huyngvn)cangnhngphthucvoccyut:
a)nhucuvngunvncangnhngvthihncakhontingi.
b)nhucuvthihnvayvncakhchhng.
c)mcrirocamnvayvthihnsdngvncakhchhng.
d)quymvthihncakhontingi.
TL:a)
76. Trongnnkinhtthtrng,ginhccyutkhckhngthayi,khilmphtcdonstng
lnth:
a)Lisutdanhnghastng.
b) Lisutdanhnghasgim.
c)Lisutthcstng.
d) Lisutthccxuhnggim.
e)Khngccsxcnh.
TL:a)
77. Lisutchovaycangnhngiviccmnvaykhcnhauskhcnhauphthucvo:
a)mcrirocamnvay.
b)thihncamnvaydingnkhcnhau.
c)khchhngvayvnthucitngutin.
d)vtralcakhchhngvayvn.
e)ttccctrnghptrn.
TL:e)

Page 19

78. Nucungtinttng,ginhccyutkhckhngthayi,thgichngkhonscdonl
s:
a)Tng.
b)Gim.
c)Khngi.
TL:a)lisutgimlmgicphiutng

Chng8:NgnhngThngmi

79.Ldokhinchosphsnngnhngccoilnghimtrngivinnkinhtl:
a) Mtngnhngphsnsgynnmilosvsphsncahnglotccngnhngkhc.
b) Cccucphsnngnhnglmgimlngtincungngtrongnnkinht.
c) Mtslngnhtnhccdoanhnghipvcngchngbthithi.
d) Ttccctrnusai.
TL:a)
80.Ngnhngthngmihinicquanniml:
a) cngtycphnthtsln.
b) cngtyaqucgiathucshunhnc.
c) mtTngcngtycbitcchuynmnhovohotngkinhdoanhtndng.
d) mtloihnhtrunggiantichnh.
TL:d)
81.Chitkhuthngphiucthchiul:
a) ngnhngchovayccsbomvcncvogitrthngphiu,vilisutllisut
chitkhutrnthtrng.
b) muatthngphiuhaymtbgiytcginovilisutchitkhu.
c) ngnhngchovaycncvogitrcathngphiuckhchhngcmctingnhng
vngnhngkhngtnhli.
d) mtloichovaycbom,cncvogitrthngphiuvithihnnngyohn
cathngphiu.
TL:d)
82.khcphctnhtrngnxu,ccngnhngthngmicnphi:

Page 20

a) chovaycngtcngtt.
b) chovaycngnhiucngtt.
c) tunthccnguyntcvquytrnhtndng,ngoiraphicbitchtrngvotisnth
chp.
d) khngngngimicngnghvadnghosnphmdchvnhmtngcngkhnng
tipcn,gngivhtrkhchhng.
TL:d)
83. Nquhnltnhtrngchungcaccngnhngthngmibiv:
a)ccngnhnglunchytheorirotiaholinhun.
b)ccngnhngcgngchovaynhiunhtcth.
c)cnhngnguynnhnkhchquanbtkhkhngdnnnquhn.
d)cscanthipqunhiucaChnhph.
TL:c)
84.Tisaomtngnhngcquymlnthngdtoranhiulinhunhnngnhngnh?
a) clithvlichtheoquym.
b) ctimnnglntronghuyngvsdngvn,cuytnvnhiukhchhng.
c) ciukincitincngngh,adnghohotnggimthiuriro.
d) vttcccyuttrn.
TL:d)
85. CccquanqunlNhnccnphihnchkhngchoccngnhngnmgimtsloitisnc
nonhmmcch:
a) toramitrngcnhtranhbnhngtrongnnkinhtvsanton,hiuqukinhdoanh
chochnhbnthnccngnhngny.
b) ccngnhngtptrungvocchotngtruynthng.
c) gimplccnhtranhgiacctrunggian tichnhtrongmtabn.
d) hnchsthmnhpqusucaccngnhngvoccdoanhnghip.
TL:a)

86. Cchotnggiaodchtheokhnivicccngctichnhsctcdng:
a)tngtnhthanhkhonchocccngctichnh.
b)gimthiurirochocccngctichnh.
c)adnghovtngtnhsingcacchotngcathtrngtichnh.
Page 21

d)pngnhucucamiitngthamgiathtrngtichnh.
TL:b)
87. Trongtrnghpnothgitrthtrngcamtngnhngtrthnhkmhngitrtrnssch?
a)Tnhtrngnxunmcnhtnhvnguycthuhinlrtkhkhn.
b)Cduhiuphsnrrng.
c)anglbntrongccvkintng.
d)Ccutisnbthpl.
TL:b)
88. Trongccnhm nguynnhndnnrirotndngth nhm nguyn nhnno ccoi l quan
trngnht?
a)NhmnguynnhnthucvChnhph
b)Nhmnguynnhnthucvhiphingnhngthgii
c)Nhmnguynnhnthucvbnthnngnhngthngmi
d)Nhmnguynnhnthucvkhchhng.
TL:d)
89. Tldtrbtbuciviccngnhngthngminhtthitphi:
a)

bng10%Ngunvnhuyng.

b)

bng10%Ngunvn.

c)

bng10%Doanhschovay.

d)bng10%Tingikhngkhn.
e)theoquynhcaNgnhngTrungngtrongtngthik.
TL:e)
90. Tisnthchpchomtmnvayphipngcctiuchun:
a)cgitrtintvmboccyucuphplcnthit.
b)cthigiansdngludivcnhiungi athch.
c)cgitrtrn5.000.000VNDvcrtnhiungi athch.
d)thucquynshuhpphpcangivayvnvcgitrt200.000VND.
TL:a)
91. Santonvhiuqutrongkinhdoanhcamtngnhngthngmicthchiul:

Page 22

a) tunthmtcchnghimtcttcccquynhcaNgnhngTrungng.
b) ctsutlinhuntrn10%nmvnquhndi8%.
c) khngcnxuvnquhn.
d) hotngtheongquynhcaphplut,clinhunvtlnquhn mcchophp.
TL:d)
92.Ttrngvnchshutrntngtisncamtngnhngthngmiccoilantonkhit
mc:
a)18%
b)12%
c)5.3%
d)8%
TL:d)
93. Phtnvlichcachnhsch''qulnkhngvn''lg?
a)Chiphqunllnnhngckhnngchungtntht,thmchthual.
b)Chiphqunllnnhngddngthchnghivithtrng.
c)Bmycngknhkmhiuqunhngtimlctichnhmnh.
d)Chiphuvolnnhnghotngkinhdoanh nnh.
TL:d)
94.Nquhncamtngnhngthngmicxcnhbng:
a)stinnquhntrntngdn.
b)stinkhchhngkhngtrntrntngdn.
c)stinnquhntrndnthct.
d)stincxontrnsvnvay.
TL:a)
95. Chcnngtrunggiantichnhcamtngnhngthngmicthchiul:
a)lmcunigiangivayvchovaytin.
b)lmcunigiaccitngkhchhngvsgiaodchchngkhon.
c)cungcpttcccdchvtichnhtheoquynhcaphplut.
d)bincckhonvncthihnngnthnhcckhonvnut dihnhn.
TL:c)

Page 23

96. Vsaoccngnhngthngmicphnliphiquynhmcvntithiuivicccng?
a) mboquymvnchshuchoccngnhng,mboantonchokhchhngca
ngnhng.
b) phngchngkhnngphsnvcngbnthocphiu.
c) Nhncddngkimsot.
d) mbokhnnghuyngvncaccngnhngny.
TL:a)
97. Csmtngnhngtinhnhlachnkhchhngbaogm:
a) khchhngthucitngutincaNhncvthngxuyntrnnghn.
b) khchhngccngvicchmngvcnchngccchnhsch ui.
c) cncvomcrirovthunhpcamnvay.
d) khchhngctrnh tihctrln.
TL:c)
98. Ccngnhngcnhtranhvinhauchyudatrncccngc:
a)Gimthplisutchovayvnngcaolisuthuyng.
b)Tngcngcitincngnghvsnphmdchvngnhng.
c)Tranhth tmkimsuicaNhnc.
d)Chytheoccdnlnclichcaodcmohim.
TL:b)
99. Ccngnhngthngminhtthitphictldtrvtqumc:
a)8%trntngtisn.
b)40%trntngngunvn.
c)10%trntngngunvn.
d)tutheocciukinkinhdoanhtngngnhng.
TL:d)
100. Nguynnhncarirotndngbaogm:
a)Syukmcaccngnhngvkhchhngthiuthctgic.
b)SqunllnglocaChnhphvcccquanchcnng.
c)ut saihngvnhngtiucctronghotngtndng.
d)Syukmcangnhng,khchhngvnhngnguynnhnkhchquankhc.

Page 24

TL:d)

101. CcngnhngthngmiVitNamccphpthamgiavohotngkinhdoanhtrnthtr
ngchngkhonhaykhng?
a)Hontonkhng.
b)cthamgiakhnghnch.
c)C,nhngsthamgiarthnch.
d)C,nhngphithngquacngtychngkhonclp.
TL:d)
102. Skhcnhaucnbngiamtngnhngthngmivmtcngtybohiml:
a) Ngnhngthngmikhngcthuphcakhchhng.
b) Ngnhngthngmicphpnhntingivchovaybngtin,trncscthto
tingi,tngkhnngchovaycachthng.
c) Ngnhngthngmikhngcphpdngtingicakhchhngutrungdihn,
trtrnghput trctipvoccdoanhnghip.
d) Ngnhngthngmikhngcphpthamgiahotngkinhdoanhtrnthtrngchng
khon.
TL:b)

Chng9:Qutrnhcungngtint

103. Nutltinmtvtingicthphthnhsctnglncthhmv:
a)Nnkinhtangtngtrngvcthdnntnhtrngnngbng.
b)Nnkinhtangtronggiaionsuythoi.
c)Tcluthnghnghovtinttnggnvistngtrngkinht.
d)NgnhngTrungngphthnhthmtinmtvoluthng.
TL:b)
104. Mccungtintstnglnkhi:
a)tindtrcaccngnhngthngmitng.
b)NgnhngTrungngphthnhthmtinmtvoluthng.
c)tldtrbtbucgimxung.
d)nhucuvnuttrongnnkinhttng.
e)ttccctrnghptrn.

Page 25

TL:b,c,d
105. Cstint(MB)phthucvoccyut:
a) lisut,tldtrbtbuc,khnngchovaycaccngnhngthngmi.
b) mctiutiaholinhuncaccngnhngthngmi.
c) tldtrbtbuc,tldtrvtquvlngtinmttrongluthng.
d) mctiumrngcungtintcaNgnhngTrungng
TL:c)
106. Theoanhchccloibinngsau,binngnonhhngncstint(MB)vitc
nhanhnht:
a) Sgiatngsdngsc
b) Sgiatngtrongtikhontingicthphthnhsc.
c) Lisuttngln.
d) Lisutgimi.
TL:b)
107. Khi cc ngn hngthng mitngt l dtrvtqu(excessreserves) bomkhnng
thanhton,snhntintsthayinhthno?(ginhccyutkhckhngthayi)
a) Tng.
b) Gim.
c) Gimkhngngk.
d) Khngthayi.
TL:b)
108. KhiNgnhngTrungnghlisuttichitkhu,lngtincungng(MS)sthayinhth
no?(ginhccyutkhckhngthayi)
a) chcchnstng.
b) cthstng.
c) cthsgim.
d) khngthayi.
TL:b)
109. Ginhccyutkhckhngthayi,khingnhngTrungngtngtldtr
btbuc,snhntints:
a) Gim
Page 26

b) Tng
c) Khngxcnhc
d) Khngthayi
TL:a)
110. Ginhccyutkhckhngthayi,cstint(MB)sgimxungkhi:
a)CcngnhngthngmirttintNgnhngTrungng.
b)NgnhngTrungngmrngchovayiviccngnhngthngmi.
c)Ngnhngtrungngmuatnphiukhobctrnthtrngm.
d)Khngcphngnnong.
TL:d)
111. Mccungtintstnglnkhi:
a)Tindtrcaccngnhngthngmitng.
b)NgnhngTrungngphthnhthmtinmtvoluthng.
c)Tldtrbtbucgimxung.
d)Nhucuvnut trongnnkinhttng.
e)Ttccctrnghptrn.
TL:e)
112.Lngtincungngthayingcchiuvisthayiccnhnt:
a)Tldtrbtbuc(rr)
b)Tltinmttrntingi(C/D)
c)Tincs(MB)
d)Tldtrvtqu(ER/D)
e)Ttcccphngntrn.
TL:avd
113. Lngtincungngtngquanthunvisthayi:
a)Tldtrbtbuc(rr)
b)Tltinmttrntingi(C/D)
c)Tincs(MB)
d)Tldtrvtqu(ER/D)
e)Ttcccphngntrn.

Page 27

TL:c)
114.MttriuVNDcctkcnmtrongtnhringcabncctnhlmtbphncaM1
khng?
b) Khng,vstinkhngthamgialuthng.
c) C,vstinvnnmtrongluthnghaycngilphngtinluthngtimnng.
d) C,vstinvnlphngtinthanhtondoNgnhngTrungngphthnhravc
ththamgiavoluthngbtklcno.
e) Khng,vM1chtnhringtheotngnm.
TL:c)
115.Cchng migii M vnngrtroritduytro lutGlassSteagall(1933)nhm mc
ch:
a) ccngnhngthngmiphithuhphotngtrongnc.
b) cchngmigiikhngphicnhtranhviccngnhngthngmitrongcchot
ngkinhdoanhchngkhon.
c) cchngmigiiclithhnvmrngcchotngchovayngnhn.
d) cchngmigiiduytrkhnngcquyntronghotngkinhdoanhngoit.
TL:b)
116. Hychobitkinchvnhnnh:"Snhntinnhtthitphilnhn1":
a)ng.
b)Sai.
c)Khngccskhngnhrrngnhnnhlnghaysai.
TL:a)
117. Cstint(MB)sthayinhthnonuNgnhngTrungngbn 200ttriphiuchocc
ngnhngthngmitrnthtrngm?
a)tng.
b)gim.
c)khngi.
d)khngccsxcnhvsthayicacstint.
TL:b)
118. Ginhccyutkhckhngthayi,khiNgnhngTrungnggimtldtrbtbuc,l
ngtincungng(MS)sthayinhthno?
a) Cthtng.

Page 28

b) Cthgim.
c) Cthkhngtng.
d) Cthkhnggim.
e) Chcchnstng.
f) Chcchnsgim.
TL:e)
119. Cstint(MB)phthucvoccyut:
a)lisut,tldtrbtbuc,khnngchovaycaccngnhngthngmi.
b)mctiutiaholinhuncaccngnhngthngmi.
c)tldtrbtbuc,tldtrvtquvlngtinmttrongluthng.
d)mctiumrngtintcaNgnhngTrungng
TL:c)
120. LngtincungngsthayinhthnonuNgnhngTrungngthchinccnghipv
muatrnthtrngmvolcmlisutthtrngangtngln?
a)Cthstng.
b)Cthsgim.
c)Cthkhngtng.
d)Chcchnstng.
e)Chcchnsgim.
TL:e)
121.HingthngccaNgnhngNhncquytnhchi100tVNDxydngtrs,vicny
ctcngg ncstint?
a)Tng
b)Gim
c)Khngi
d)Khngccsxcnh
TL:c)
122. NhngtnticaluthngtintVitNambaogm:
a) ttrngtinmtvngoitln,tcluthngchm.
b) scmuacangtinkhngthcsnnhvlngngoitquln.
c) ttrngthanhtonbngtinmtln,ngoittrininhiu,scmuacangtinchathc
snnh.
d) scmuacangtinkhngnnhvlngngoitchuynrancngoiln.

Page 29

TL:c)
123. Khi NgnhngTrungng muavomtlngtnphiu Khobctrnthtrng m, lngtin
cungng(MS)sthayi nhthno?
a)

Cthtng.

b)

Cthgim.

c)

Chcchnstng.

d)

Chcchnsgim.

e)

Khngthayi.

TL:c)

Chng10:NgnhngTrungngvChnhschtint
124. Ginhccyutkhckhngthayi,khiNgnhngTrungngtngtldtrbtbuc,
lngtincungng(MS)sthayinhthno?
a) tng
b) gim
c) khngthayi

TL:b)
125. Ginhccyutkhckhngthayi,khiNgnhngTrungnggimtldtrbtbuc,
lngtincungng(MS)sthayinhthno?
a) tng
b) gim
c) khngthayi
TL:a)
126. KhiNgnhngTrungngmuavomtlngtnphiuKhobctrnthtrngm,lngtin
cungng(MS)sthayinhthno?
a) tng
b) gim
c) khngthayi
TL:a)

Page 30

127. KhiNgnhngTrungngbnramtlngtnphiuKhobctrnthtrngm,lngtin
cungng(MS)sthayinhthno?
a) tng
b) gim
c) khngthayi
TL:b)
128. KhiNgnhngTrungnggimlisuttichitkhu,lngtincungng(MS)sthayi
nhthno?
a) chcchnstng
b) cthstng
c) cthsgim
d) khngthayi
TL:b)

129. KhiNgnhngTrungngtngtldtrbtbuc,lngtincungng(MS)sthayinh
thno?(ginhccyutkhckhngthayi)
a) tng
b) gim
c) khngthayi
TL:b)
130. KhiNgnhngTrungnggimtldtrbtbuc,lngtincungng(MS)sthayinh
thno?(ginhccyutkhckhngthayi)
a) tng
b) gim
c) khngthayi
TL:a)
131. KhiNgnhngTrungngmuavomtlngtnphiuKhobctrnthtrngm,lngtin
cungng(MS)sthayinhthno?(ginhccyutkhckhngthayi)
a) tng
b) gim
c) khngthayi
TL:a)

Page 31

132. KhiNgnhngTrungng bnra mtlngtnphiuKhobctrnthtrng m, lngtin

cungng(MS)sthayinhthno?(ginhccyutkhckhngthayi)
a) tng
b) gim
c) khngthayi
TL:b)
133. KhiNgnhngTrungnghlisuttichitkhu,lngtincungng(MS)sthayinh
thno?(ginhccyutkhckhngthayi)
a) chcchnstng
b) cthstng
c) cthsgim
d) khngthayi
TL:b)
134.L dogkhinchosphsnngnhngccoilnghimtrngivinnkinht?
a) Mtngnhngphsnsgynnmilosvsphsncaccngnhngkhc
b) Cccucphsnngnhnglmgimlngtincungngtrongnnkinht
c) Mtslnglndnchngbthithi
d) Ttccctrnusai
TL:a)
135.Ginhccyutkhckhngthayi,cstint(MB)sgimxungkhino?
a) Ccngnhngthngmirttintngnhngtrungng
b) Ngnhngtrungngmrngchovaychitkhuiviccngnhngthngmi.
c) Ngnhngtrungngmuatnphiukhobctrnthtrngm
d) Khngccunong
TL:c)
135.Khingnhngtrungngtngtldtrbtbuc,snhntintsthayinhthno?(gi
nhccyutkhckhngthay i)
a) tng
b) gim
c) khngthayi
TL:b)

Page 32

136.Khiccngnhngthngmitngtldtrbomkhnngthanhton(dtrvtmc),s
nhntintsthayinhthno?(ginhccyutkhckhngthayi)
a) tng
b) gim
c) khngthayi
TL:b)
137.Trongmtnnkinht,khittrngtinmttrongtngccphngtinthanhtongimxung,s
nhntintsthayinhthno?(ginhccyutkhckhngthayi)
tng
gim
c)khngthayi
TL:a)

138.LisutthothuncpdngtrongtndngngoitvngVitNamcpdngncta
kt:
a)thng7/2001vthng6/2002
b)thng7/2002vthng7/2003
c)thng7/2001vthng7/2002
d)thng7/2002vthng7/2003
TL:a)
139.Cquanqunlhotngngnhngthngmichiuquvantonnhtsphil:
a)NgnhngTrungng.
b)BTichnh.
c)BCngan.
d)BtPhp.
e)Khngphittccccquannitrn.
TL:a)
140.Phthnhtinthngquaknhtndngchoccngnhngtrunggianlnghipvphthnh:
a)tmthi.
b)vnhvin.
c)khngxcnhc.
TL:a)

Page 33

141.ChnhschtintcaNgnhngNhncVitNambaogmccccngcchyunhsau:
a) chnhschdtrbtbuc,chnhschlisut,chnhschtgi,cchotngtrnthtrng
m,chnhschhnchtndng.
b) chnh sch d tr bt buc, chnh sch li sut, chnh sch chit khu v ti chit khu, cc
hotngtrnthtrngm,chnhschhnchtndng.
c) chnhschdtrbtbuc,chnhschlisut,chnhschcngnghipho,cchotngtrn
thtrngm,chnhschhnchtndng.
d) chnhschdtrbtbuc,chnhschlisut,chnhschtgi,cchotngtrnthtrng
m,chnhschtichnhdoanhnghip.
TL:b)

Chng11:TichnhQuct

142.KhiVitNambthintai(boltlmmtma),tgigiangVitNamvlaMsthayi
nh thno?
a)Tng.
b)Gim.
c)Khngi.
d)BinngtnggicholaM.
TL:d)docu$tng,cunghnch
143.KhingPhrngPhptnggi,bnthchungnhiuruvangCaliforniahnhaynhiuruvang
Phphn(bquayutsthch)?
a)RuvangPhp.
b)RuvangCalifornia.
c)Khngccncquytnh.
TL:b)Vkhi ruMstrnnrtngi
144.Thgiicthtintimtnnkinhthpnhtvimthpngtinduynhtckhng?
a)Cthtnaynnm2010,vccnccngngChuulmtvd.
b)Srtkhkhn,vsphttrinvnnkinhtccnckhngngu.
c)Chcchnthnhhinthcvmctiuchungcaccnclnhvy.
d)Chcchn,vtoncuhotrthnhxuthttyu.
TL:b)
145.Cncnthanhtonquctcamtnccthcslcnihaykhng?
Page 34

a)C.
b)Khng.
c)Cnichlngunhintmthi.
d)CnichkhicscanthipcaChnhph.
TL:a)
146.KhihipcsongphnggiaVitNamvM(BTA)cthchin,tgigiangVitNam
vlaMsbinngnhthno?
a)Tng.
b)Gim.
c)Khngi.
d)BinngtnggichonglaM.
e)Chaccskhngnh.
TL:d)vmtdihnttcccyutulmVNDgimgi
147.Chnhschtgicnhctcdngchyu:
a)botrmudchivicccssnxuthnghotrongnc.
b)mbonhucuchitiucangnschNhnc.
c)mbokhnngnnhscmuacangnitvccmctiukinhtxhi.
d)hnchnhhngcathtrngtichnhquct.
TL:d)
148.Thmhtngnschcachnhphcnhhngncncnthanhtonquctkhng?
a)C.
b)Khng.
c)Tutheotngtrnghpcth.
TL:c)

Chng12:Lmphtvnnhtint

149.Trongmtnnkinht,khilmphtcdonstnglnth iugsxyra?
a) Lisutdanhnghastng
b) Lisutdanhnghasgim
c) Lisutthcstng
d) Lisutthcsgim
TL:a)

Page 35

150. VitNamtrongnau nm 1996ctnhtrnggimpht,ngtrngicchnh schtint,

iucnghalg?
a)Cungtintlnhncutint.
b)Lisutqucao.
c)Cungtintnhhncutintdocutinttngqunhanh.
d)CncnthanhtonquctcaVitNambthmhtnghimtrng.
e)Cungtintlnhncutinthct.
TL:d)

151. Khitngsnphmdimctimnng,mtbnggicsmcnonungtngcuvn
khngthayisaumtthigian?
a)Mccao.
b)Mcthp.
c)Lcumcthpsaustngln.
d)Lcumccaosautrvtrngthicnbng.
TL:c)

152.Lmphtphimllmphtmc:
a) Nnkinhtcnbngtrnmctimnng
b) Tllmphtdimc3(ba)chs.
c) Tllmphtmc2(hai)chsnhngdimc3(ba)chs.
d) Nnkinhtcnbngmcditimnng.
TL:c)
153.Theonhlthuytth nctacthiklmphtmc:
a) Phim.
b) Siulmpht.
c) Chmcvaphihaymccthkimsotc.
d)Chabaogiqulmphtphim.
TL:b)
154.Lmphtstcngxun:
a) Thunhpcaccngnhngthngmivcctchctndng.
b) Thunhpcamitnglpdnc.

Page 36

c) Thunhpcaccchuyngiancngoi.
d) Thunhpcnhcanhngngilmcng.
TL:d).
155.Nguynnhndnnlmphtnhiunccthctnghplibaogm:
a) Lmphtdocuko,chiphy,bichiNgnschNhncvstngtrngtintqu
mc.
b) Lmphtdochiphy,cuko,chintranhvthintaixyralintctrongnhiunm.
c) NhngyukmtrongiuhnhcaNgnhngTrungng.
d) Lmphtdocuko,chiphyvnhngbtnvchnhtrnhbochnh.
e) Khngphiccphngntrn.
TL:a)
156.ngktgiclcnthit:
a) Ngnchntmllmphttrongkhinnkinhtchablmpht.
b) Ngnchndinbincanhnghuqusaulmpht.
c) Ngnchntmllmphttrongkhinnkinhtmiblmphtc5nm.
d) Ngnchntmllmphttrongkhinnkinhtbtucduhiublmpht.
e) Ngnchntmllmphttrongkhinnkinhtthotkhitnhtrngtibngnlmpht.
TL:d).

Chng13:CuTint

157. TheoJ.M.Keynes,cutintphthucvonhngnhnt:
a) thunhp,lisut,s achunghngngoinhpvmcantonxhi.
b) thunhp,mcgi,lisutvccyutxhicannkinht.
c) thunhp,nngsutlaong,tcluthngtintvlmpht.
d) sthayitrongchnhschkinhtvmcachnh phvthunhpcacngchng.
TL:b)
158. Nucngchngtnhingitinvoccngnhngnhiuhntrc,gisccyutkhckhng
i,phngtrnhtraoi(MV=PY)cbinngkhng?
a)C.
b)Khng.
c)Lcbanuthcbinngsaustrlicnbngmcc.

Page 37

TL:c)
159.Nghincumiquanhgiacutintsgimvlisuttng:
a)Thngquastcngvolisutiutitcutintgpphnchnglmpht.
b)Thngquastcngvolisutthuhtvnutncngoi.
c)Tcngvolisutiutitcutintvngcli.
d)Tcngvocutinttnglisutnhmtcccmctiunhmongi.
TL:c)
160.nghincuvquanhgiacutintvlisut,ccnhkinhthcvLngcutisn
phnchiatisntrongnnkinhtthnhccdng:
a)Tisnphitichnhvtisntichnh.
b)Tisntichnhvbtngsn.
c)Vng,ngoitmnhvccvtcquhim.
d)Vng,ngoitmnhvngVitNam.
e)Khngphiccdngtrn.
TL:a)

161.TheoccnhkinhthcvLngcutisnthlisutcnhnghal:
a)Chiphchicavichonitisntdngtisntichnhsangtisnphitichnh.
b)Chiphchicavicnmgitin.
c)Chiphcavicsdngvn,ccdchvtichnhvlgiccatndng.
d)Ttcccphngntrnung.
e)Ttcccphngntrnusai.
TL:b).
162.Tisntichnhkhcvitisnphitichnhcim:
a)Hnhthctntivngungchnhthnh.
b)Khnngsinhlivmcliquidity.
c)Sathchvtnhphbintrongcngchng.
d)Khnngchpnhncathtrng.
e)McqunlcaNhncvcccquanchcnngivimiloi.

Page 38

TL:b)
163. CcngnhngthngmiVitNam cphput vocphiumc:
a)

Tial30%vnchshuv15%gitrcacngtycphn.

b)

Tial30%vnchshuv30%gitrcacngtycphn.

c)

Tial30%vnchshuv10%gitrcacngtycphn.

d)

Khnghnch.

TL:c)TheoNghnh48/1998/CPvCKvTTCK.

Page 39

PhnII:Cuhiphntch,lungii

Cu1:Phntchccchcnngcatint.Trongqutrnhtchcvqunlnn
kinhtVitNam,ccchcnngcnhnthcvvndngnhthno?
pn:
1Khiqutvsraicatint
2Phntchccchcnng(theoquanimcaKarlMarx)sauy:
Chcnnglmthcogitr.
Chcnnglmphngtinluthng.
Chcnnglmphngtinthanhton.
Chcnnglmphngtincttr.
Chcnnglmtintthgii.
3LinhvisnhnthcvvndngnnkinhtVitNam.
Ch:
Cu hi ny c th c trnh by theo quanim ca cc nh kinh t khc gm c 3 chc
nng:Phngtintnhtonhaynvolngphngtinhaytrunggiantraoiphng
tincttrhaytchlucaci.Vthccht,cngbaogmccnidungnhccchcnng
cK.Marxtrnhbynhngcslngghpmtschcnngvinhau.
SlinhvithctinVitNamcthtrnhbytheotngchcnnghaytrnhbyphn
cui.

Cu2:Vaitrcatinttrongnnkinhtthtrng.Snhnthcvvndngvai
trcatinttrongnnkinhtVitNamhinnay?

1Khiqutsraivccchcnngcatint.
Tintrailmtttyukhchquantsphttrincasnxutvtraoihngho(nn
kinht xhi).
Tintthchinccchcnnggipchosnxuttiudnghnghophttrinvvvym
trthnhmttrongcccccngchuhiutchcvqunlnnkinht.
2Vaitrcatinttrongqunlkinhtvm
Lcngcxydngccchnhschvm(CSTT,CSTK,CSTG,CSCNH,CSKTN,v.v)
Litngvcnglmctiucaccchnhschkinhtvm:nnhtintlcscasn
nhkinhtnnhngtin l snnhcannkinht,nnkinhtnnhthphicsn
nhtint.
3Vaitrcatinttrongqunlkinhtvim:
Hnhthnhvncaccdoanhnghipiukincbnvthityutinhnhbtkqutrnhv
loihnhsnxutkinhdoanhno(XutphtthmsnxutP=F(K,L,T)chothyttcccyut
K,L,TucthcchuyngiaohocthomnnunhDNcVn)
Lcncxy dngccchtiunhgihiuqukinhtnhmsosnhchtlnghotngsnxut
kinhdoanhgiaccdoanhnghipkhcnhauvinhau.
Page 40

 L cn c xy dng cc ch tiu nh gi v la chn cc phng n sn xut kinh doanh: tm ra

phngnti u
Lcsthchinvcngchchtonkinht
Lcsthchinphnphivphnphilitrongccdoanhnghipnhmphttrinsnxutv
mboisngxhi.
Cngcphntchkinhtvtichnhdoanhnghip,trncs,tinhnh lachnutng
n.
4LinhvisnhnthcvvndngVitNam:
Trcnhngnmcicchkinht(1980)nhnthcvtintkhngyvchnhxccoinh
ngtindovytintkhngthphthuyvaitrtcdng,trililunbmtgivkhngn
nhgykhkhnvcntrchoqutrnhqunlvsphttrinkinht.
Tnhngnm1980,donhnthclivtint,nhncthchinxobbaocp,thchin
cch mtgi vtntrngngtin vi vaitrxngng lcngctchcvphttrin
kinhtdovymvicsdngtintchiuqukinhtcaohn,pngnhucucaqunl
kinhttheocchthtrng

Cu3:LuthngtintVitNamvbinphpkhcphc.

pn:
1 Khinimvluthngtintvvaitrcaluthngtint
Khinim:Luthngtintlsvnngcatinttrongnnkinht,phcvchoccquanh
vthngmihngho,phnphithunhp,hnhthnhccngunvnvthchinphclicng
cng.
Vaitrcaluthngtint:ivisnnhvtngtrngnnkinht
Luthngtintvchuchuynhngho
Luthngtintvqutrnhphnphivphnphili
Luthngtintvqutrnhhnhthnhccngunvn
2 Thnhphncaluthngtin tgmhnhthc:
Luthngtinmt:Tinvhnghovnngngthi,haytinthchinchcnnglphng
tinluthng.
Luthngkhngdngtinmt:Tinvhnghovnngkhngngthi,haytinthchin
chcnnglphngtinthanh ton.
Sosnhhaihnhthcluthngtint.
3 ThctrngcaluthngtintVitNam
T trng thanh ton khng dng tin mt thp v thanh ton bng tin mt cn cao,tc lu
thngchmldo:
Hthngngnhngcbitlhthngthanhtonchaphttrin.Cngnghngnhng
cin.
Ngnhngmtlngtincngchngtrongthigiandi:Lisutm cngchnggi
tinmtvnthanhtonchm,ngvn,gylngph,nhmlnvtiucctrongthanh
ton
Cng chng cha c thiquen trong giao dch vi ngn hng (m ti khon c nhn v
thanhtonquangnhng)
Phngthcthanhtonnghonn,thtcliphctp.
Page 41

 ngtinmtnnh:lmpht,kclmphtquatndngphbindohotngqunlluthng
tintcn nhiuhnchvchahiuquThiupht19992002lmpht2004.
Tnhtrnglahortphbin:Lnglatrinitrnthtrngln,thanhtontrctipbng
lachim30%tnggitrthanhtontingititkim bnglachimttrng ln.Nguyn
nhnldocngchng,ccngnhngvcnhncucthichang,thmchsngbi
ngla,chatintngvongVitNam.
4Ccgiiphpkhcphc:
Hinihohthngngnhngcbitlhthngthanhton.
Cngclngtincngchngvgiodcnngcaonhnthccacngchngvhotngthanh
tonkhidngtinmt.
Phbinmtikhoncnhnvthanhtonquacctikhon,tngcngdchvngnhngtin
ch.
Cngcvhonthinvicxydngthchinchnhschtintqucgianhmgivngvnnh
gitr scmuacangtin.
KhngkhuynkhchthmchchmdtvicccNHTMNhncnhntingibngngoit.
Banhnhvpdngnghimtc,thngnhtcchnhthckluttrongthanhton.
Cu4:QuilutcaluthngtintcaK.Marxvsvndngquilutluthng
tinttrongiukinnnkinhtthtrng.
pn:
1 Vaitrcaluthngtintvyucuphiqunlluthngtint:
Khinimvluthngtin t:Luthngtintlsvnngcatinttrongnnkinht,phc
v cho cc quan h v thng mi hng ho, phn phi thu nhp, hnh thnh cc ngun vn v
thchinphclicngcng.
Vaitrcaluthngthngtintivisphttrinvnnhcannkinhtthtrng:
Luthngtintvchuchuynhngho
Luthngtintvqutrnhphnphivphnphili
Luthngtintvqutrnhhnhthnhccngunvn
Yucuphiqunlluthngtint:
Xutphttvaitrcaluthngtint.
Xutphttcctrngthikhngnnhcaluthngtintvnhhngtispht
trincannkinht.
Tvicnghincuqunlluthngtint,K.Marxphthinraquylutluthngtin
t.
2 QuilutluthngtintcaK.Marx:
Yucu:M= PQ/V
Nidungquylut:khilngtincnthit(M)choluthngtrongmtthigiannhtnh
phthucvotnggiccahnghocsnxutvavoluthng(SPQ)vtc
luthngtinttrongthigian.
ngha:tnntngchocskhoahcvphngphpluncavicqunlluthngtin
t.
Nhnxt:NhngnggpvhnchcaquylutLTTTcaK.Maxr.
Giiquytcsphngphplunvllunqunlviuholuthngtint,tuy
nhin:

Page 42

 Nhng gi thit khng thc tin: cha c mt nn kinh t no cth tho mn cc iu

kingithitcaK.Marx.
Khngctnhhinthc
3SvndngquilutluthngtintcaK.Marxtrongiukinnnkinhtthtrng:Trongiu
kinnnkinhtthtrng,ccmilinhchyudothtrng(cungvcu)quytnh,kcmi
quanhhnghotint.Vvyluthngtintcngphicqunldatrncsxcnhmc
cungvcutintnhmmbocnbngcungvcutint.
Mccungtintvsxcnhmccungtint:
Khi nim v cung tin t: Tng gi tr ca cc PTTT trong nn kinh t V thc cht l
nhngtisnckhnngchuynhon(liquidity)mcnhtnh.
Thnh phn mc cung tin: c phn nh theo kh nng chuyn hon, bao gm M1 gm
tin mtvnhngtisnccoi nhtin mtM2gmM1v nhngtisnckhnng
chuynhonthphnnhtintitkim,tingitrncctikhonkinhdoanhtrnthtrng
tintM3gmM2vmtstisnkhcckhnngchuynhonthphnvdnhtin
gicacccngtykinhdoanhchngkhonchuynnghip,giychngnhnshubtng
sn,triphiuChnhph.Vcnhvytutheosphttrincahthngtichnhcatng
ncmthnhphncamccungtintcthkodithm.
Ccnhntnhhngtimccungtint:Thunhp,Lisut,Gicvccbinskhc
phnnhsbinngcannkinhtxhi.
Mccutintvsxcnhmccu:
Khinimcutint:Lnhucucacngchnghaynnkinhtivivicnmgitin,
haylnhngtisnctnhthanhkhon.
Thnhphncacutint:Cnhiuquanimkhcnhauvthnhphncngnhccnhn
tnhhngnlngcutint.
Ccnhntnhhngtimccutint:Thunhp,Lisut,Gic,Tnsutthanhton,
Litckvngcavicutvocctisnkhcclinquanntin.
iutitcungvcutint:
Viciutitcungvcutinttrongiukinnnkinhtthtrngphidavocctn
hiuthtrng(mcchunggic,tgihioivtnhhnhtngtrngkinht)saochoMS
Md ,vychnhlsnhnthcvvndngquilutluthngtintcaK.Marx.
4 ThctrngqunlluthngtintVitNam :
Trc1980theoquilutcaK.Maxr:Lmphtvkhngkimsotctnhhnhlmphtdn
nkhnghongtrongluthngtintvonhngnm19801988
Sau 1988, qun l lu thng tin t l mt chc nng ring bit ca ngn hng Trung ng v
chngtaqunltheoccnidung:
Xydngcsphthnhtinvoluthng:
Csphthnhtin:Dtrtisnqucgia
Phthnhphitunthquilutvccquanhkhctrongnnkinht
Ktqubcucavicthchinqunlluthngtint
Snnhgitrcangtin:Lmphtthpvcthkimsotc(trungbnh5,6
7%/nm)
nnhcannkinht
Tngtrngcannkinht
Hnchvyucutiptcimi:
Vicphthnhvndochnhphquytnh.
Vncnphthnhticpvnchoccdoanhnghipqucdoanh.
Honthincchphthnh.

Page 43

 Xydngquychphthnhvqunlluthngtint.
HonthinvymnhcchqunlviuhnhLTTTtheochnhschtintquc
gia.
Cu5:Thnhphnmccungtintvccnhntnhhngnmccungtint
trongnnkinhtthtrng.nghacavnnghincu.
pn:
1Mccungtint
Khinim:Tnggitrcaccphngtinthanhtoncchpnhn(cmcthanhkhon
nhtnh)trongnn kinht
Thnhphn:Tutheotrnhphttrin,ccqucgiacthxcnhtngmccungtinttheo
khnngthanhkhongimdncaccphngtinthanhtonnhsau:
M1 gm:Tinmttrongluthng(C)vtingikhngkhn(D).
M2=M1 +CDs+...
M3 =M2 +...
M4 =M3 +
2Ccnhntnhhngtimccungtint:
Thunhpquanhthun
Mcgi
Lisut quanhthun
Ccyutxhicannkinht.
Hmcungtin:MS = d(g+ ,P,i+,Z)
Trong:
Ylthunhp
Plmcgitrongnnkinht
illisuttrongnnkinht
Zlccyutxhicannkinht
3nghacavnnghincu:
XcnhmccungtintVitNam:Skhcbitviccnckhcvttrngtinmt,song
songlngoitmnhcbitlUSD,vVngcngthamgiavomccungtint.Trongkhi
,tlM2/GDP(FinancialDeepening)lunmcthpsoviccqucgiakhc.
Khcviiukinnnkinhtkhochhotptrung,nnkinhtthtrngihivicxcnh
mccungviutitcungcutinttheocctnhiucathtrng.Cncvonhngdin
binca nnkinht,xhi vthngquaccnhntnhhngkimsotvcnhnggii
phptcngiutitlngtincungng.
Cu6:Thnhphnmccutintvccnhntnhhngnmccutint
trongnnkinhtthtrng.nghacavnnghincu.
1Quannimvcutint:Ltngnhucunmgitincamtnnkinht.
2Thnhphn v nhng nhntnh hng:Khcvi cungtint,ccbphncutincng nhcc
nhntnhhngticcbphnlkhnggingnhau,tuytheoquanimcacctrngphikhc
nhau:
QuanimcaccnhkinhthcCin:MV=PYhayM=P/V(Y).NunhV(tclu
thngtint)tthayitrongngnhnvPctngiuchnhbithtrngthM(cu
tint)lmthmcathunhpM=k*f(Y)chonnphthucvothunhp.

Page 44

QuanimcaccnhkinhthcTncin:Vcbnthngnhtviccnhkinhthc
Cin.M=P/V(Y),songlichracrngcPvVlnhngnhntthayi,thmch
ngayctrongngnhn,dovymMphthuccP,V.Ngoira,ccnhkinhtTncin
cnchorngdngnhlisutcngctcngnM.
QuanimcaJ.M. Keynes:y lquanim cthcoi nhs honchnh hcthuytv
cutint.Thnhphncacutintgm:
Cugiaodch,phthucvothunhp,gic,tnsutthanhton
Cudphng,phthucvothunhpvccyutxhikhc.
Cuuchayut,phthucvothunhp,lisut,vccyutkhc.
VvymhmcutinttheoquanimcaJ.M.Keynes:
Md = d(Y+ ,P,f,i,Z)
Trong:
Ylthunhp
Plmcgi.
ftnsutcnhncckhonthunhp
illisutcannkinht
Zlccyutkhccannkinhtxhi
QuanimcaM.Fiedman:CthcoiylsphttrinquanimcaJ.M.Keynesv
gmhaiphnchnh:
GingquanimcaKeynes:vthnhphnvccnhntnhhngncutint
KhcquanimcaKeynes:cutintcnphthucvolitckvngcaccti
snlinquanntin(cphiu,triphiu,btngsn)vtllmpht.Vdovy
hmcutintcaM.Friedmanl:
Md = d(Y+ ,P,f,i,ia,ib,is,Z)
Trong : ia, ib, is ln lt l li tc k vng khi u t vo bt ng sn, tri
phiuvcphiu.

3nghacavnnghincu:iutitquanhcungcutint
Davotnhiugictrnthtrng
MS >Md gic>gitr ccchsCPI,IPIvEX utng
MS <Md gic<gitr ccchsCPI,IPIvEXugim
iutitquachnhschtint:
iutitquachnhschqunlngoihi:
Ex- MS >Md:cntungngoitrabn
Ex Ms <Md :cnmuangoitv
Davosbinngkhccannkinhtxhi:
Bichingnsch
Tmlthiquencacngchng
Hotngcathtrngtichnh(D.J,Nikei...)
4VitNam:
Xcnhkhilngtincungng:
Xc nh cu tin t: Theo yu cu ca u t pht trin kinh t v hot ng ca h thng
ngnhng.
iutit:Quachsgic,tgivcncnthanhtonquct.

Cu7:Nguynnhnvhuqucalmpht.

pn:
Page 45

1Nhngvnchungvlmpht:
Ccquanimkhcnhauvlmpht
Phnloilmpht.
2Nguynnhncalmphtnichung:Lmphtxyraccnckhcnhaucthcnhngnguyn
nhnkhcnhau,songnhnchungcbnnhmsau:
Cuko
Chiphy
Bichingnsch
Tngtrngtintqumc
3NguynnhnlmphtVitNam:VitNam,lmphtxyratrongccgiaionkhcnhaucngc
nhngnguynnhnkhcnhau.Ccnguynnhnnyvcbncngcgiithchtccnguynnhn
cbntrn,songcngcnphinithmnhngnguynnhntrctipcamithik:
Giaion19851990v19911992:
Cicchbthplvkhngtrit,bivyukmtrongqunlkinht.
Bichingnschkodivngycngtrmtrng.
Lmphtquatndng.
Phthnhbpchitiu
utvsdngvnkmhiuqu.
Giaion2004:
Ktqucachnh schkchcucuinhngnm19982001
Phthnhpngnhucuchitiu,cbitSEAGMAES22
Scputvphttrintheonhucuhinhp
Khnngkimsotvm
nhhngkhchquan:bnhdch,khnghong,thtrngquct.
4Ccgiiphpchnglmpht(nnhtint).
ngktgic.
VnhnhChnhschTikho:ThtchtNgnschNhnc.
Vnhnhchnhschtintqucgia:Thtchttint.
Hnchtndng:Theoquymdoanhnghipvhnmctndng.
Tunth cc nguyntcphthnh,qun l lu thngtintca ngn hngTrungng v
thchinqunlvmiviccngnhngthngmi.
Thchinccchngtrnh iuchnhccu.
5Vitnam:Ngoiccgiiphptrn,Nhnccnthchinccgiiphpcncvonhngc
imcth:
TiptccicchhnhchnhvspxpliDNNN,gimplctnglng.
Chnchnhhotngcamtslnhvccquyn:nhpkhustthp,xngdu
ChngthamnhngvthchinLutNgnsch.

Cu8:VaitrtndngivisphttrinkinhtVitNam.

pn:
Khiqutchungvtndngkhinim,cimcatndng.
Ccchcnngcatndng:

Page 46

 Huyngvchovayvn
Kimsotvgimcbngngtin
3 Vaitrcatndng:
Gipchoqutrnhsnxutkinhdoanhcaccdoanhnghipclintcvnnh,gpphn
vosnnhcannkinht.
Huyngccngunlc,hnhthnhvbinngunvnthnhut,tngtrngkinht,tora
nhngbcnhyvtvcngngh.
Nngcaomcsngcctnglpdncvccngng.
Lcngciutitvm:iutitnhptngtrng,cculinnkinht
4SlclchsphttrincatndngVitNam.
Ccquanhtndngctluvkhngngngcphttrinnhiuhnhthcvquimkhc
nhau.
Hthngngnhng
Hthngqutitkim
Tndnghptcx:Hptcxtndngthvhptcxtndngnngthn
TndngNhnc:CngtriQucgia,Tnphiukhobc
Tn dng Quc t: Vi cc nc XHCN trc y Vi cc nc khc V vi cc t chc
Quct:IMT,WB,ADB
Thutichnh(Lease/Leasing):ThumuaTSC,TLTDcgitrln
Tndngtiudng:Trgp
Cchiucm.
Tuyvy:Cnnhiuhnch,tiucc,thtthotvn,nkhng cnphiccngcvphttrin.
Cu9:Trongccloihnhquanhtndnghc,nhngloihnhnolphhp
visphttrinkinhtVitNam?Ccbinphpcngcvhonthin.
pn:
1Khinimtndng
2Slclchsphttrinvvaitrcatndng
3Ccloihnhquanhtndngtrongnnkinhtthtrng:Docnhngvaitrquantrngivis
phttrincannkinht,dovytndngcngcchtrngvphttrin.Cncvochthvi
tngcaquanhtndng,chngtacthphnchiatndngthnhccloihnhnhsau:
Tndngthngmi:QuanhmuabnchuhnghogianhngnhSXv KDvinhau.
TndngNhnc:Nhncvaytincacngchng.
Tndng ngn hng:Quan htndngtintgiacc ngn hng viccchthkhcca nn
kinht,trongngnhngvalngiivayvchovay.
Tndngthumua:Quanhgiacccngtychothutichnhviccdoanhnghipdihnh
thcchothuTSC.
Tndngtiudng:Cccngtytichnhbnchuhnghotiudngtheophngthctrgp.
Tndngquct:quanhgiaccchthcaccnnkinhtcaccncvinhau.
4CcloihnhphhpviVitNam:Xutphttnhucuphttrinvcimkinht,xhinc
ta,ccloihnhtndngsauycncnghincucngcvphttrin:
Tndngngnhng.

Page 47

 TndngNhnc.
Thumua,haycngilthutichnh.
TndngQuct.
Ch: VncatndngThngmikhichuynsangcchthtrng.
5Giiphpcngcvphttrinccloihnhtndngncta.

Cu10:Lisutvvaitrcalisutivisphttrinkinht.

pn:
1Khinimvlisutphnbitlisutvccphmtrkinhtkhc
2Ccloilisut phpolng:
Li n
Li suttchhp
Lisuthonvnvtlnihonvbnchtchnhllisuttchhp.
3Ccphnbitvlisut:
Lisutdanhnghavlisutthc
Lisutvlinhunhaylitc
Lisutcbncangnhng
Lisutthtrng.
4Vaitrcalisut:
iukintntivphttrinngnhng,cchotngtint tndng.
nbykinhtcngcvtngcnghchtonkinhtvhiuqucasnxutkinhdoanh.
Cngciutitvmchnhschtintqucgia,iuchnhccu,iutittngtrngthng
quaiutittngut
Thuhtngoitvutncngoi.
Phttrinthtrngtichnhvthtrngchngkhon.
Cu11:ThctrngcavicqunlviuhnhlisutVitNamvbinphp
khcphc.
1Lisutvvaitrcalisut
2Yucuivimtchnhschlisut
3Chnhschlisut
4 Ccyucuivichnhschlisut
5ThctrngcalisutVitNam:
Trcnm1988:Chnhschlisutcnh:
Lisuttrnthp(m)mangtnhchtbaocpquatndng,xarithctincannkinh
txhi.
Khngccchiuhnhvqunllisuthiuqu,phnnhchchquancaChnh
phvNgnhngTrungng.
LisutnginllisutngnhngvcNgnhngTrungngquynh.
Nguynnhn:
DoVitNamtheouichnhschtichnhkimch
Doutinphttrinkinhtqucdoanh
DoVitNamchacthtrngtichnhphttrin

Page 48

 LisutVitNam19891990:Tinbtc:

iuchnhtheoyucuviukincannkinhtxhi:lisutclinhhothn
Phnnhsphttrinkinht,mcdoanhlitrongsnxut kinhdoanh
Hnchvkimsotclmpht
Gpphnhnhthnhvphttrinthtrngtichnh

Nhngtnti:
Chathcsmmdovlinhhot
Chaxydngccchiuhnhchngvccnckhoahcxcng
Vnchbhpllisutngnhng,chaphillisutthtrng
Vnlli nchachnhxcvphnnhchiphsdngvn.
ChnhschLi sutthothun2001v2002tngngvitndngngoitvnit:
Nhngtcngtchcccalisutthni:Sphttrincahthngtichnh,toiu
kinchosphttrinkinht,hinhp.
Nhngnguycvththch:uctichnhvkhnghong,khnngiutitcanh
nc.

6Binphp:
Xydngcchiutitthngnhtvhpl ngnhngTrungngnncchnhschhplhn
Xydngkhungbiuvphngphpxcnhlisuttheoccmcphttrin
Tnhng,li sut
Phnutrthnhlisutthtrng:pdnglisutthothun.

Cu11:Phntchccchcnngcangnhngthngmi.

pn:
1Khinimngnhngthngmi:Ccquannimkhcnhauvngnhngthngmi.
2Ccchcnngcangnhngthngmi
Thqucadoanhnghip:
Nhntingicadoanhnghip
Chovayividoanhnghip
Thanhtonchoccdoanhnghip
Totin:Mtqutrnhtotinquamhnh n(chccgithit).
Trunggiantichnhvtndng
Trunggiantndng:Lmchonguntitkimutgpgvthomnnhucuvvn
Trunggiantichnh:
3 ThctrngvhotngngnhngthngmiVitnam
Ccchcnngcbn:thchintuychacphthuyy.
Hotngbhptrongccchcnngvnghipvngin:Cntrongtnhtrngccanhtndng
Cngnghngin.
Hthngthanhtonchaphttrin.
4Ccgiiphpcngcvphttrin.
Hinihotrangthitbvcsvtcht
Nngcaotrnh cnbcngnhnvin

Page 49

 adnghocchotngcungcpdchv
adnghocchotng Huyngvsdngvn.
Tngcngtchtichnhchoccngnhngthngmi.

Cu12:Vaitrcangnhngthngmiivisphttrinkinht

pn:
1Khinimvccchcnngcangnhngthngmi.
Khinim
Ccchcnngcangnhngthngmi.
3 Khiquthotngcangnhngthngmi:
Hotngngunvn
Hotngsdngvn
Hotngtrunggian,cungcpdchvtichnh
4 Vaitrcangnhngthngmi:
Cungcpnhucuvayvnchosphttrinkinht
Totin:Tovnchosphttrinkinht
Bintitkimthnhut
Nngcaohiuqukinht
Rtngntcluthnghnghovtint
Gpphnlmchosnxutkinhdoanhdinralintckhngbtqungcungcp
vnutvcccngcluthngtndng.
Thcyvcngchchtonkinht
Thamgiavosnnhvphttrincathtrngtichnhvthtrngchngkhon.
Cungcpthngtin,tvnvdchvut.
Tinhnhcungcpccdchvkinhdoanhchngkhon
Thamgiakimsotcchotngkinht
3ThctrngvgiiphphonthinhotngngnhngthngmiVitNam
Thctrng:
Hotngtrnhthpvnghipv,chuynmnniuhnhthchuyng
vchovay
Chapngnhucuvvn,muthuncbngiahintngthavnngn
hngvthiuvncannkinht(ccdoanhnghip).
Nhnghnchvtiucc.
Thiuhotngtrunggiantichnhvcungcpdchvtinch.
Giiphp:
Hinihocsvtchtvthitbphcvchohotngcungcpthngtinv
dchv
Tngcngtnhtchvclphn
Thmnhpvonnkinhtsuhnna
Citinvadnghocchotngchovayvthuncngnhthuhtngun
vn
Nngcaotrnhnghipvvphmchtnghnghipcacnbnhnvinngn
hng

Page 50

 Songsongvivichonthinphplnhngnhng.Ccngnhngthngminn
ymnhcchnhthctnchp.Xydngquanhludivikhchhng,cng
cuytnvikhchhng.
Cu13:Tbngcnitisncangnhngthngmidngnginhytrnh
bynghacatinchovayvvnqunltinchovaycangnhngthngmi.
LinhvithctinhotngngnhngthngmiVitNam
pn:
1Khiqutchungvngnhngthngmi:
Khinimvngnhngthngmi.
Chcnngvvaitrcangnhngthngmi.
2Trnhbybngcnitisn(tngkttisn)cangnhngthngminhtrongbiging
3nghacatinchovay:
Lkhonsdngvnchyu,manglilichkinhtquantrng,quytnhnvictntivpht
trincangnhngthngmi,cbitlccngnhngthngmiVitNam.
Tinchovaycnglsdngvnquantrngpngnhucuvnnnhhotngccdoanh
nghipvphttrinnnkinht.
Song,tinchovaycnglkhonmccmcrirovnguycphsnngnhngcaonht,tc
ngxunsnnhvphttrincatonbnnkinhtxhi.
4Qunlivitinchovay:
Mcch:chngrirovtrhn vthtthotvn,chngriromtkh nngthanhtoncangn
hngthngmi
Ccnguyntcqunltinchovay:
Snglcphnloikhchhng
Chuynmnhovquanhludivikhchhng
Tisnthchpvsdb
Hnchtn dng
Tnghpmun
5VitNam:
CcngnhngthngmiVitNamchovayviccnguyntcsongmichthchinccnguyn
tccatndngngnhngivikhchhng.iuquantrnghnlccnguyntcnyhoclch
tntitrnhnhthchoclcthchinsongkhngccsphplbucmthctrnghotng
cho vay l: n dy da kh i qu ln, c bittrong cc doanh nghip quc doanh Mt vn do
khchhngkhngtrydylachninghchvutsaihngvtrongkhikhchhngcn
vnthcschosnxutkinhdoanhlikhngcgiiquytchovay(thiutisnbom).Ngc
li,cc ngn hngthng mi kinhdoanhkhngchiuquphichung vn hoc lvndo
khngchovayc
Giiphpkhcphc
Vphanhnc:
Cngctngcngphplut
Thngtinichngvccdoanhnghipdnchmtr
Vphangnhngtrungng:
Honthinthltndng
Xydngchinlcvchnhschsdngvniviccngnhngthngmi.
Page 51

iviccngn hngthngmi:
i mi phng php qun l tin cho vay theo cc nguyn tc nu trn. Ci tin
phngthctipcnkhchhngvphngthcchovay
Nngcaotrnh nghipvvphmchtchuynmncacnb
Tntrngvngvphanhngkhchhngcngcvnhucungn
Cu14:PhntchcchotngcbncaNHTM.LinhvicchotngNHTM
VitNam.
pn:
1Khiqutchungvngnhngthngmi:
Khinim
Vaitrvchcnng
2CchotngcbncaNHTMthhin thngquaccnghipvcbn
Hotnghuyngvn(NghipvN):
Ktcuccloingunvn
Nhnxttngkhonmcthnhphn
Hotngsdngvn(Nghipvc):
Ktcuccloisdngvn
Sosnhccloisdngvn,nhnxt
Hotngcungcpdchvtichnh(Nghipvtrunggian):
Chuyntin
Thanhtonkhngdngtinmt,trongncvquct.
Cungcpdchvtichnhvngnhngtinch
3Miquanhgiaccnghipv:Ccnghipvcquanhmtthitvtcngquali lnnhau.
4LinhhotngngnhngVitNam:Nghincuthmcccu11v12.
CcNHTMVitNammichthchinccnghipvthngthngtruynthngNC
vTrunggianthanhtonkhngdngtinmt.TrongccnghipvCchyulchovay.
VvyhotngcangnhngthngmiVitNamcnniuvchachiuqu
vi c nnkinhtv bnthn ngn hngthng mi,trongkhi mcriro lirt
cao.
Khcphc:Nghincuthmcccu11v12.
ymnhcchotngTrunggian:cngcvhonthincchotngthanhton
ymnhcchotngTrunggiantichnhvcungcpdchv.
Cu15:TrnhbynidungqunlhotngNHTM.Linhthctinvinnkinht
VitNam.
pn:
1Khiqutchungvngnhngthngmi:
Khinim
Vaitrvchcnng
CchotngcbncaNHTM

Page 52

2Yucucavicqunlcahotngcangnhngthngmi
PhngchngrirodnnsphsncaNHTMcthdntikhnghongtichnhv
khnghongkinht.
NgnngahuqucthxyranunhccNHTMtoratingivihscaovmt
khnngthanhton chovayvtngun.
NhmphthuyvaitrcaNHTMivisphttrinkinht.
3Nidungqunl:
QunlTisnNcnglqunlkhnngthanhton:XcnhHskhnngthanh
ton,bomsantonngnhng
Sbinngcangunvn:Ngunvnanton
QunlquymTisnN
Qunldtr
Dtrbtbuc(rr)
D tr vt qu (ER): Tin mtti qu v Tin mt trong qu trnhthu, tin gi ti
NgnhngTrungng.
Qunltinchovay
Qunlrirodolisut:
Khilisutbindngcthgyrariro
Giiphpkhcphcrirodolisutgyra:khehlisut,ccnghipvSWAP
vOPTIONSlisut.
Qunlrirohioi:
Khitgibinnggyrathithichoccngnhng
Giiphpkhcphcrirotgi:khehtgi,ccnghipvSWAPvHEDGING
vOPTIONStgi.
4LinhviqunlhotngngnhngthngmiVitNam:
Nidungthchinqunl:
Qunltinmt:Thngquaccnhmc
Qun ltisn n:Thngquaquinh vqui mtisn n=20 ln vnca ngn
hng
Qun ltinchovay:Thngquacc nguyntcchovaycatndng ngn hngv
quychcaNgnhngTrungng.
Hn ch:
Ccquynhqunlchdnglitrnlthuyt,phithctinvbtcpvihinthc
(ccnguyntcvquytrnhchovay,tisnbomtinchovay)
Trcykhngtvnqunlrirodolisutvlisutdohthngngnhng
(NHTU)quinhkhngphilisutthtrng.
Vvytiuccnhiu,hotngcangnhngthngmiVitNamcmcri
ro cao v cn nhiu hn ch: gy nh hng xu n kinh t v lng tin ca cng
chng v nn kinh t. Qun l hot ng ngn hng lc th qu lng lo, lc li qu
cngnhckhngpngcnhucuphttrinkinht.
Cu16:Phntchskhcbitgiangnhngthngmivicctchctichnh
trunggianphingnhng.nghacavnnghincu.
pn:

Page 53

1 Khiqutchungvccloihnhtrunggiantichnh:
HthngtichnhtrongccnnKTTT:Cctrunggiantichnh
Ccngnhngthngmi
Cctrunggiantichnhphingnhng
2 PhnbitvngunvngiaccNHTMvccTGTCphingnhng:
Ngunvncangnhngthngmi:cimvngunhnhthnh
NgunvncaccTGTCphingnhng
3 Phnbitvhotng:
Hotngcbncaccngnhngthngmi
HotngcamtsTGTCphingnhnginhnh
4 Vkhnngtotin:
Ccngnhngthngmickhnngtotingi
CcTGTCphingnhngkhngth.
5 nghacavnnghincu
SphttrincahthngtichnhVitNam:ccTGTCphingnhngraivbcu
phttrin.
Nhnghnchcahthngngnhng.
SchngchoccchcnngcahailoihnhTGTCny.
Hthngphpliutit.
Cu17:PhntchccchcnngcangnhngTrungng.Linhvihotng
cangnhngnhncVitNamvitcchlngnhngTrungng.
pn:
1Slcvsraivkhinimngn hngTrungng
2CcchcnngcangnhngTrungng:
Phthnhvqunlluthngtinttrongcnc
Phthnhtin mttintheongha hpphcv luthngtin mtv lm cscho
qutrnhcungngtint.
nnhmccungtint(MS)thngquacccngcchnhschgipchohthngcc
NHTMtoratinmrngpngnhucuvvnchonnkinht
Qun l ton b qu trnh lu thng tin t, ging nh mt chic bm bm hay
htlngtinivinnkinhtsaochombomi quanhcnbnggiaMS v
Md cngnhmbonhngyucuvmctiuphttrinkhccannkinhtx
hi(quaCSTTQG).
LngnhngcaccngnhngNgichovaycuicngcannkinhtvlbnhng
caccngnhngthngmi:
Ngn hng Trung ng nhn tin gi ca cc ngn hng thng mi di cc hnh thc
khcnhau:DtrbtbucTingithanhtonNhmmcchmbosantonv
khnngthanhtoncaccngnhngthngmi.
Tchciuchuynvn(dn xpcc nhucu vvn)giacc ngn hngthng mi
hotngcbncathtrngtintlinngnhng.

Page 54

 Ngnhngtrungngchovayiviccngnhngthngmidicchnhthc(hn
mc,ti chitkhu...)nhm mcchm bo kh nngthanhtonchocc ngn hng
thngmivthngquangnhngthngmicungcpvnchonnkinht,mrng
lngtincungng(MS)tutheonhngthikkhcnhau.
Ngnhngtrungngthchinthanhtonbtrchoccngnhngthngmi:Trong
hthngcangnhngtrungnggmnhiuchinhnhhocphngidincthbtr
theokhuvc(Mvccnckhc)hoctheoagiihnhchnh(VitNam),michi
nhnhhocphngidinlmttrungtmthanhtonbtrvthchinccchcnng
cangnhngtrungngtiaphnghaykhuvc.
Ngnhngtrungnglngnhngnhnc,khngphichvinghathucshunh
ncmnhnmnhvoccnidung:
Nhntingivchongnschnhncvaytindihnhthclmilphhnhcng
triqucgiavtnphiukhobc.
Thanhtonkhngdngtinmtchohthngkhobc
Qunlchitiucachnhph,cbitnhngncchachthngkhobcphttrin.
Thaymtnhncthchinqunlvmivitonbhthngtichnh,ccTCTD,
cchotngvtint,tndng,lisutivitonbccTCTD,vccloihnhtchc
kinhdoanhtint,tndngkhctrongnnkinht.
Xydngccdnvayvnncngoi,qunlsdngtheodihontrnncngoi,
thchin ccnghavtichnhtintquct.
3LinhvithctinhotngcangnhngnhncVitNam
NgnhngnhncVitNamthcsngvaitrlngnhngthngmitnm1988
vnhtltkhicphplnhngnhng1990.thchin ccchcnng:
Phthnhvqunlluthngtinttrongcnc
LngnhngcaccngnhngVitNam
LngnhngcaNhnc
Tnti:
HotngiuhnhvqunlLTTTchacquychthngnhtvhonchnhnncha
thcschngvhiuqu.
BlthucnngnvoChnhph
Nnglctichnhcnhnch
Qunliviccngnhngthngmivcctchctndngtintkhcchatheo
quinhthngnht(lc lng, lcchtqu)gykhkhnchohotngcacctchc
ny.
Mi quanhgiangnhngnhncviccngnhngthngmicharrng,mc
canthipliqusu:bnchththngmtcp.
Giiphpkhcphc:
Xydngquichhotngnhmxcnhrmiquanhgia:NgnhngTrungngv
ChnhphNgn hngTrungng v BTichnhNgn hngTrungng vicc ngn
hngthngmi.
Cngcvtrtichnhcangnhngtrungng
Xydngquichiutitluthngtint,tgi,hotngcaccngnhngthngmi,
cctchckinhdoanhtintvtichnhvvithtrngtichnhnichung.Kcchnh
schlisut,dtrbtbucv.v
Page 55

 Cculihotngccvchcnng.
Cu18:VaitrcangnhngTrungngivisphttrinkinht.Linhvi
hotngcangnhngNhncVitNam
pn:
1KhiqutvngnhngTrungng
HiuvNgnhngTrungng
CcchcnngcaNgnhngTrungng

2 KhiqutcchotngcbncaNgnhngTrungng:
Phthnhvmbolngtincholuthng.
ChovayccNgnhngthngmi.
Canthipvothtrngtichnh.
ThanhtravkimsothotngngnhngthngmivccTCTDkhc.
TchchotngthtrngM.

3VaitrcangnhngTrungng:
nnhnnkinht:
nnhtint:Chnhschtintqucgiavsnnhtint
nnhtgi:Qubnhnhioivscanthipngoihi
nnhthtrngtichnh:Cung,cutint,sbinngcalisut,tgivthgi
chngkhon.
iuchnhccukinht
iuchnhquymvccuvniuchnhkhilngvccuutlmthayi
nhptngtrngvccunnkinht.
iu tit, nh hng hot ng cath trng chng khon v hot ng ca cc ngn
hngthngmi.
Tngtrngkinht:
Tovnpngnhucuutphttrin kinhtvsgiatngcaGDP.
Kchthchstngtrngkinhtthngquaiutitmccungtint(MS)vchnhsch
lisut.
TngcngutcaNhncthngquacchotngcungcptndngchoChnh
ph(lmilphthnhtriphiu,tnphiu)nhmtngchitiucachnhph,thuht
uttnhn,tngtngcuvthunhpqucdn.
Nngcaohiuquuttheodn:Xydngphntchlachnvkhuynkhchut
voccdnphttrinctrinvnghiuqu.
Ccchnhschthuhtutncngoi.
4HotngcangnhngNhncVitNamtrongvicphthuynhngvaitrny:
Chnglmpht,kimsotlmpht
Canthipnhmnnhthtrngngoitvvnggivngtgivgivngtrongthtrng
ctnhchtlmcsnnhthtrngtdocatnhn

Page 56

 Cungcpvnviutitvntndngchonnkinhtthngquaiutitlisut,hnmctn
dngcacc ngn hngthng mi:k cchovaytrctipthng xuyn vchovaytichit
khu
Phthnhvqunlphngtinthanhtonmi
Cungcpvnchochnhphthngquaviclmilphthnhvtchcluthngtnphiu
khobcNhnc.
Tuyvy:
Qui ch iu tit cha c xc nh thng nht dn n vic iu hnh v can thip vo th
trngcnchachngkpthi snnhthiuchcchn
TimlctichnhhnchnnphthucvochnhphvBTichnhmclnhnscn
thit.
Cccngcluthngtndngvcngctichnhcnnghonn, niuchonnchathuht
ctimlctichnhcsntrongnc,cbittrongdncvsphttrincathtrngti
chnhquchmtrongkhinhucuvnrtlnvcpbch.
Cu19:PhnbitngnhngTrungngvngnhngthngmi,tnuln
nghacacngcucimiHthngNgnhngVitNamtnm1988.
pn:
1Khiqutmhnhngnhnghaicp:
NgnhngTrungng
Ngnhngthngmi
Hthngngnhnghaicp(tuthk20nay)
2Skhcnhau:
Khcnhauvchcnngvnghipv
Khcnhauvmcchhotng
Khcnhauvvtrvvaitrtrongnnkinht:Ngnhngtrungnglmtcquaniutit
tmvm.LycsnnhkinhtvmiutitcaccNgnhngthngmivcct
chctndng.Trongkhi,ccngnhngthngmilmtloihnhdoanhnghipcnghah
trchosphttrinkinht.
3QuanhgiaNgnhngTrungngvngnhngthngmi:
NgnhngTrungnglngiqunlvmtNhnciviccngnhngthngmi.
NgnhngTrungngngthicnglbnhngcaccngnngnhngthngmi.
4nghacavicimihthngngnhngVitNamtnm1988:
Hthngngnhngtrcnm1988(trcimi):Lhthngngnhngmtcp(hnhv).
Nhvythcchtcncchcmtngnhngduynht,khngcsphnbitgiaNgnhng
Trung ng v ngn hng thng mi. Mt ngn hng va thc hin chc nng ca ngn hng
Trungngvathchinchcnngcangnhngthngmikhngcsphnbitgiangi
qunlvngithchinkinhdoanhtintkhngcsphnbitgiangunvnqunl(pht
hnh) v ngun vn kinh doanh (tin gi, to tin ghi s...) Do vy, Hot ng ca ngn hng
khngchiuqukhngthphthuycvaitrvchcnngcangnhngivinnkinh
t.Khngckhnngchnglmphtvnnhtintvtgihioidokhngthxydng
chnhschtichnhqucgia.Hthngngnhng,cptrciminginchlqutint

Page 57

caNhncphcvchocchbaocpnngnvvniviccdoanhnghipqucdoanh
nhmthchinccchtiuphplnhcaNhnc.
H thng ngn hng Vit Nam sau i mi 1988 (Hnh v). C s phn bit gia ngn hng
thngmivngnhngTrungngtrongccngnhngthngmicnhiuloihnhshu
khcnhaukccngnhngncngoi.Csphnnhtrchnhim,quynhn,phmvivi
tnghotnggiangnhngthngmivngnhngTrungng.Csphnbitvmc
chvccnghipv.Cthxydngvvnhnhchnhschtintqucgia.
NhnguthcaHthngNgnhngVitNamsauimi:
Hotngngnhngchiuqukinhtcaohnvthcyccdoanhnghiphchton
kinhtthiuqukinhtcaohn.
Cthkimsotclmphtviuholuthngtint,nnhtintvtgihi
oi.
HthngNgnhngbcuchonthinvthchinccchcnng,phthuy
vaitrlcngcnnhvphttrinkinht.
Thtrngtichnhchnhthnhvphttrincbitlthtrngtintlinngn
hngvtrungtmgiaodchngoit.
Tiptcimi:
Tngcngtnhclptngitronghotngkinhdoanhtintvpdnglisut
choccngnhngthngmi,gimhtslthucvongnhngthngmi.
XcnhrmiquanhngnhngthngmivngnhngTrungng.
Xydngquychiutitvcanthipngmc.
Cu20:VaitrcaNgnschNhncivisphttrinkinht.Linhvi
thctinVitNam.
pn:
1KhinimvNgnschNhnccshnhthnh
2ThunhpcangnschNhnc
3ChtiucangnschNhnc
4VaitrcangnschNhnc
iviNhncvstntibmyNhnc:ChimuacaNhnc.
ivisnnhcannkinht:
iutitchitiukimchlmpht
nnhcngnviclm,khcphcchukkinhdoanh
Thchincngbngxhi
iuchnhcchkinht:Thngquaiuchnhccuvttrongcckhonthuvchicangn
schNhnc
Phttrinkinht
Tovn ut:
utcachnhph
Thuhtuttnhn
Tosphttrinvmtxhi:
Vnhogiodc
Ytvchmscsckho
Phclicngcng

Page 58

5HotngcangnschNhncVitNam
Vaitr:
utphttrinkinhtqucdoanh:CSVCvKT
Bovnnclpchquyn
Gignanninhchnhtrvtrttanninhxhi
XydngvphttrinnnkinhtthtrngVitNam
Cngctngcngquanhingoi
Tnti:
Chitiucangnschchahiuqu,lngphvchahplgiaccu,tlchocc
ngnhcclnhvccaisngxhivkinht.
Cn nhiu biu hin tiu cc trong chi tiu, thtthotti sn, th hin qun l km
hiuquctgimtutin.
Chitiuchacngbng,chathhinbntnh uvitvdovymcngchngcha
thythitthc,cntngmnhtrongnhnthc
Thungnschbthtthuqulnvkmhiuqu
Thungnschvnchacchnhschvquitciuchnh(mc,tlthunhpvtr
cp).
Khcphc:
Giodcnngcaotrnhcnbtichnh,nngcaonhnthccacnbTichnh
vcctnglpcngchng.
Khochhovlachnmctiucchotngtichnhmtcchhiuqu,pdng
mhnhqunltintin.
Nngcaochtlngthmnhnhgidnutcngnhnhngchngtrnhchi
tiutichnh.
Ci tin chnh sch thu nhp v phn phi. Xy dng c ch iu tit thng nht v
khoahc.pngccnhucuiutit(tnggim)mtcchngncngbngv
hpl.
Chtrngccchngtrnhgiodc,ytvphcli
Honthinhthnglutphpnhmloitrtiucctrongcchotngthunhpv
chitiungnschNhnc.
Cu21:Vaitrcathuivisphttrinkinht.Thctrngvccgiiphp
khcphcnhnghnchcathuVitNam.
pn:
1Khiqutchungvthu
Khinimvcim.
Mtsloithuchyu.
2Vaitr(tchcc)cathu:
Thu l ngunthuch yuca ngn schNh nc, liukinthc hin vaitrca ngn
schNhncivisphttrinkinht.
iutitvhngdnsnxut tiudngthngquasphnbvsdngccngunlc.
Cngbngxhi gimchnhlchmcsng,mbotchluchophclicngcng.
Thucnlnbykinhtquantrng,kchthchhiuqusnxutkinhdoanh.

Page 59

3Tcngcathu:
Lngph:ccngunlcsnckhngcsdngtritvosnxutkinhdoanh(kcthu
iviSXKDtrongncvthuXNKtrongthngmiquct).
Mtilichxhivcthgynhnghiungthayth.
Vvy:Xy dngchnhschthuhpllcnthitvcnghaquantrng
4ThctrngthuVitNam:
Nnglcthuthp:ChimttrngcnhnchtrongtngthunhpcangnschNhnc:
khong60%trongkhiccnckhcchuutrn90%trongkhuvcBcutrn95%.
Thtthuln.
Cnnhiubtcp,vtiucc
5Nguynnhn:
Chnhschthuchahpl:quphctp,chadhiuvdpdng.
Trnh chuynmnvnhnthccacnbthuthpdimccnthittnhtonthu
ng,trongkhiphmchtnghnghipchattchonncntiptay,bokchotthng.
Sphttrincannkinhtmcthpgykhkhnchovictnhtonthuthu:Hthngk
ton,kimtonvsschchngtcnchaphttrin.
ChitiucaNgn schNhncchachothythulquynli.
Nhnthccacngchngcnhnch.
Phplutkhngnghimcht.
6Ccgiiphpkhcphc:Cncvoccnguynnhnxydngccgiiphp.
Citinvhonthinchnhschthu,hthnglutphpnichungvLutthuniring.
Kinquytchngthtthu:Nngcaotrnh nghipvvnhnthccamicnbthuthu.
Hthnghosschchngt,hotngktonvkimton.
Tuyntruyngiodcnngcaonhnthccaitngchuthukthpvithchinquynli
cavicngthu.
Cu22:PhntchthctrngcachitiuNgnschNhncVitNamvbin
phpkhcphc.
pn:
1 KhiqutchungvNgnschNhnc:
KhinimvNgnschNhnc.
KhiqutchungvhotngcaNgnschNhnc.
VaitrcaNgnschNhnc.
2 ChitiuNgnschNhnc:
Nidungcchotng(khonmc)chitiucaNgnschNhncvnghacacchot
ngchitiu.
PhngthcxcnhccuchitiucaNgnschNhnc.
3 ThctrngchitiucaNgnschNhncVitNam:
Lachninghch,khnghiuqutrongccdnutcacaNgnschNhnc.
Nhngbtcptrongccuchitiuvhuqucanhngbtcpny.
Bichi,lmchivphthnhbpchitiunctartphbin.

Page 60

 Tiucc,thamnhngkhpmini,micngtrnh.
Qunlkmhiuqu.
4 Ccbinphpkhcphc:
Mhnhhovicxcnhccuchitiu.
Lutphphoqunlchitiu.
Xlnghimminhccvvictiucclmbihc.
CngkhaidnchthcstrongvicqunlsdngNgnschNhnc.
Cu23:Phntchccmctiu,cngcvcchvnhnhcaChnhschTichnh
Qucgia.LinhvithctinVitNam.
pn:
1 KhiqutchungvChnhschTichnhqucgia:
KhinimvnhnthcvChnhschTichnhqucgia.
VtrvccbphncuthnhChnhschTichnhqucgia.
2 MctiucaChnhschTichnhqucgia:
Nhmmctiuvnnh:45mctiu.
Nhmmctiuvtngtrng:2mctiu
Miquanhgiaccmctiutrongminhmvgiahainhm.
3 Cngcvcchvnhnhcacccngc:
CccngccaChnhschTint.
CccngccaChnhschTikho.
Mtcchvnhnhcacccngctrongnhngtnhhunglmphthaythiupht.
4 ThctrngvicxydngvvnhnhChnhschTichnhqucgiaVitNam
ChnhschTint:ncta,ngoi3cngcnitrn,cncccngckhctheoLutNgn
hngNh ncVitNam1998.Tuy vychaccchthng nhtvn hnh viuchnh
vnmangtnhchtsv,thiuchng.
ChnhschTiKho:michhnchchnhschThu(thu)vchnhschChitiu.Tuy
nhinvicxcnhcckhonmctrongccchnhschcnnhiubtcp.Khcvichnh
schTint,chnh schTikhocxydngmangnngtnhchtvmctiuthchin
chvcnrtmnhtVitNam.
Cu24:Nidungvyucuqunltichnhtrongccdoanhnghip.Linhvi
thctinVitNam.
pn:
1Khiqutchungvtichnhdoanhnghip:
Khinim.
Ccquanhtichnhbaohmtrongkhutichnhdoanhnghip.
Vaitrcatichnhdoanhnghip
2Nidungqunltichnhdoanhnghip
Page 61

 Qunlvncnh(TSC)
Ccphngphpxcnhkhuhao.
HshiusutsdngMMTB.
Qunlvnlung(TSL)
Ccchtiuqunlhiuqusdngvnlung
Ccphngphpnngcaohiuqusdngvnlung
QunlDoanhthuvLinhun:
Doanhthu:trongquimsnxutkinhdoanhvtiuth.
Linhun:Chtiuchtlngquantrng,tnglinhunphigimchi.phsnxutv
tngkhnngtiuthhnghovmrngthtrng.
QunlChiphsnxutvGithnh:
Chiphsnxut Githnhsnphm.
Phnloivqunlccloichiph.
Hgithnhsn phm:Vnvnut.
Lachnquymvphngnsnxutkinhdoanhphhp.
3QunltichnhdoanhnghipVitNam:
ThctrnghotngtichnhdoanhnghipVitNam:
Hotngsnxutkinhdoanhvihiuqukinhtthp.
Lngph thtthotvnrtln:SDMMTB,N.V.Liu,.SDSLng.
Thiuvn,ngcli,sdngvnkmhiuqu.
Cchqunlchaphhp,mmhnhlachnmichlngunhin.
Ccdoanhnghipqucdoanhlvnlphbin,nngnhngkhngckhnngthanhton.
Mymcthitbcnlchuhocchangb,trnh snxutthp.Nngsutlaong
thp.
Giiphp:
Kinquytxobbaocpsongsongviviclachnmhnhtchcvcngnghqunl
mi,thcycphnhoccDNNN.
Mrngvkhitngngunvncbitlvntrongdnc,kthpvitngcnghiuqu
sdngvnsnc.
pdngccnbyvcngnghqunlsaochoymnhhiuqusdngvnlung,
nngcaohiusutmymcthitb.
Giodctitkim nguynvtliu,thigianlaongsongsongvivicxydngquychv
klutlaong.
nhmclivn,ccnhmckinhdoanhqunl kthut.
Gimbinchhnhchnhvchitiukhnglinquannsnxutvqunlsnxutkinh
doanh.

Cu25:CcgiiphpkhitngngunvnchoccdoanhnghipVitNam.

pn:
1Nhngvnchungvvn
Khinimvvn
Phnloitheomtstiuthc:cimtunhonvcchnhthctnti
Vaitrcavnivicchotngsnxutkinhdoanhvsphttrincaccdoanhnghip
2Ngunhnhthnhvnchodoanhnghip:Vnchshu.
Page 62

3nhgiccngunvnphcvutphttrinccdoanhnghipVitNam
NgnschNhnc
Tbsungttchlucabnthnccdoanhnghip
Vnvaytngnhng
Nhnutlindoanhvincngoi,vayncngoi
Vnhuyngtrongdncquathtrngchngkhon
Ngunvnti u:tdnctrongncvhuyngquathtrngchngkhon
4CcbinphpkhitngngunvnchoDNVN:
Xutphttthctrngvtichnhcaccdoanhnghip
XutphttnhucuphttrincaDNVNvnnkinhtthtrng
VitNam,ccbinphpsauycnlu:
Cphnhonnkinht:BinDNQDthnhcngtycphn
Phthnhtriphiuvcphiuthuhtvntcngchng
Hnhthnhvphttrinthtrngchngkhontrongnc
Tngcngsdngvnsnc
Cu26:Tgi,vaitrvtcngcatginnnkinht.Ccphngphpxc
nhtgiviutittgiVitNam.
pn:
1 Nhngvnchungvtgi:
Khinim
Chcnngvvaitrcatgi
2 Ccphngthc(ch)xcnhtgi:
Nganggivng
Tgicnh(BrettonWoods19441971)
HthngtintcaCngngChuu(EU)
Tgithni
Tgithniciutit
3 Ccnhntnhhngtitgitrongiukinnnkinhtthtrng:

Cungvcungoit
Litckvng:Lisut,lmpht,tsutlitc
Nngsutlaong
Tmlcngchng
Sbinngcathtrngtichnhquct

4 iutittgiVitNamBindaong:
Trcnm1988:cquynvngoihivngoithng
Saunm1988:Nilngvcquynvqunltgi.
Tcuithk20nnay:Thniciutitvbindaong

Page 63

 Nhnghnch:Cchxcnhviuhnhthtrngngoichaphttrin,trongkhith
trngtdortphbin.
Cu27:Phntchnidungcacncnthanhtonquct.Linhvithctin
VitNam.
pn:
1 Nhngvnchungvcncnthanhtonquct:
Khinimvcn cnthanhtonquct.
Phnloivvaitrcamiloi.
2 Nidungcckhonmctrongcncnthanhtonquct:
Nidungcckhonmctrongcncnthngmi.
Nidungcckhonmctrongcncn(dichuyn)vn.
Miquanhgiacckhonmctrongcncnthanhtonquct.
3 Cnbngcncnthanhtonquct:
Cctnhtrngcncnthanhtonquctvtcngivinnkinht.
Ccbinphpcnbngkhicncnthanhtonquctbithu.
Ccbinphpcnbngkhicncnthanhtonquctthmht.
4 CncnthanhtonquctcaVitNam:
Thmhtlctrngtnhtrngcncnthanhtonquctncta.
Tnhtrngnhpsiutronghuhtccthikvthiimnghincu.
Vntncngoi:uttrctipvcckhonvaynncngoi.
Khnngqunlvtrnncngoi:
Nhngkhkhnvthunli.
Sdngvnkmhiuqu.
Nguntrn

Cu28:ThtrngNgoihi.

pn:
1 Nhngvncbnvthtrngngoihi:
Khinimvthtrngngoihi
cimcathtrngngoihi
Vaitrcathtrngngoihi
2 Cutrccathtrngngoihi
Ccchththamgiathtrngngoihi
Ccbphncuthnhthtrngngoihi
Cccquankimsotviutitthtrng.
3 Ccnghipvcbncathtrngngoihi:
Mcchthamgiaccnghipvtrnthtrngngoihi.
Ccnghipvcbnkinhdoanhngoitviukinpdng.
Page 64

4 ThctrnghotngcathtrngngoihiVitNam.
QutrnhhnhthnhthtrngngoihiVitNamtsau1988.
ThctrnghotngcathtrngngoihiVitNam:
Giaion19901999:sraicahaitrungtmGDNTlinngnhngHni
vthnhphHChMinh.
Giaion2000nay:HotngkinhdoanhngoitcaccNHTMvccchth
khc.
SqunliutitcaNgnhngTrungngvNhnc.
Nhngvntnticnsmcgiiquyt:
Ngoittriningoiskimsot.
HotngkinhdoanhcaccNgnhng.
Cchcanthipviutitthtrng.
Tmlsngbingoitnngn.
Cu29:ThtrngchngkhonVitNam:Qutrnhhnhthnh,vaitr,thctrng
hotngvgiiphpcngc,phttrin.
pn:
1 Nhngvnchungvthtrngchngkhon(TTCK):
KhinimvchngkhonvTTCK.
ChcnngcaTTCK.
VtrcaTTCKtrongTTTCvnnkinhtthtrng.
2 CutrccaTTCK:
Sgiaodchchngkhon.
ThtrngchngkhonOTC.
Thtrngchngkhonvhnh.
Ccchththamgiavhthnggiaodch.
3 VaitrcaTTCKivisphttrincannkinhtVitNam:
BsungmtknhthuhtvnrtphhpvicimvmtsiukincaVitNam.
Tcdngivichuyndchccukinhtvcngnghipho.
Nngcaohiuqunnkinht.
ThcycphnhoDNNN.
ThcyhinhpquctvcngccchthtrngVitNam.
4 ThctrnghotngvccgiiphpcngcvphttrinTTCK:
QutrnhvnnghnhthnhthtrngcpIIchnhthc
SraicaTTGDCKthnhphHCM.
ThnhtubcucaTTGDthnhphHCMvTTCKVitNam.
Nhngtntivhnch.
5 Phnghngvccbinphpthcy:
Tiptcduytrvthcysphttrin:Rtkinhnghimvhchi.
Huyngsvocuccaccchth,cbitlccNHTM.
CphnhovxctinacphiuccNHTMln,chiuquvonimytvgiaodch.
XctinhotngcathtrngOTC.
Xydngquychphplviutitthtrngvhnh.

Page 65

 Thcysvocuccanhutncngoi:ccNHTMncngoi.
Cu30:Thtrngtichnh,thctrngvccgiphpphttrinthtrngtichnh
VitNam.
pn:
1 Tngquanvthtrngtichnh(TTTC):
CcquanimkhcnhauvTTTC.
ChcnngcaTTTC.
Chcnngcathtrngtichnh.
2 CutrccaTTTCtccgicnghincukhcnhau:

Theothihnchuyngiaovn.
Theomccanthipcachnhph.
Theotnhchtcccngctichnh.
Theoqutrnhphthnhvluthngcccngctichnh.

3 Cngccathtrngtichnh:
Cncvothigianohn:cccngctichnhcathtrngvnvthtrngtin t.
Cncvotnhchtthunhp:cccngctichnhvithunhpcnh,binivcchnh
thchnhp.
4 ThctrngsphtthtrngtichnhvthtrngchngkhonVitNam
ThctrngvsphttrincathtrngngnhngVitNam(Xemcccut1119).
ThtrngchngkhonVN(Xemcu29).
5 CcgiiphpcngcvphttrinTTTCVitNam
CcgiiphpcngcvphttrinthtrngchngkhonVitNam(Xemcu29).
CcgiiphpphttrinvhinihoHthngNgnhngVitNam(Xemcccu1119).
Hinhpquctvngnhngtichnh.

Page 66