{"id":1012,"date":"2025-06-12T04:04:06","date_gmt":"2025-06-11T21:04:06","guid":{"rendered":"https:\/\/www.ckconitsha.com\/vn\/?p=1012"},"modified":"2025-06-12T04:04:10","modified_gmt":"2025-06-11T21:04:10","slug":"no-nhom-1-2-3-4-5-la-gi","status":"publish","type":"post","link":"https:\/\/www.ckconitsha.com\/vn\/no-nhom-1-2-3-4-5-la-gi\/","title":{"rendered":"N\u1ee3 nh\u00f3m 1, 2, 3, 4, 5 l\u00e0 g\u00ec?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ckconitsha.com\/vn\/no-nhom-1-2-3-4-5-la-gi\/#Nhom_no_1_2_3_4_5_trong_he_thong_ngan_hang\" >Nh\u00f3m n\u1ee3 1, 2, 3, 4, 5 trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ckconitsha.com\/vn\/no-nhom-1-2-3-4-5-la-gi\/#Nhom_1_No_du_tieu_chuan\" >Nh\u00f3m 1: N\u1ee3 \u0111\u1ee7 ti\u00eau chu\u1ea9n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ckconitsha.com\/vn\/no-nhom-1-2-3-4-5-la-gi\/#Nhom_2_No_can_chu_y\" >Nh\u00f3m 2: N\u1ee3 c\u1ea7n ch\u00fa \u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ckconitsha.com\/vn\/no-nhom-1-2-3-4-5-la-gi\/#Nhom_3_No_duoi_tieu_chuan\" >Nh\u00f3m 3: N\u1ee3 d\u01b0\u1edbi ti\u00eau chu\u1ea9n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.ckconitsha.com\/vn\/no-nhom-1-2-3-4-5-la-gi\/#Nhom_4_No_nghi_ngo\" >Nh\u00f3m 4: N\u1ee3 nghi ng\u1edd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.ckconitsha.com\/vn\/no-nhom-1-2-3-4-5-la-gi\/#Nhom_5_No_co_kha_nang_mat_von\" >Nh\u00f3m 5: N\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Nhom_no_1_2_3_4_5_trong_he_thong_ngan_hang\"><\/span>Nh\u00f3m n\u1ee3 1, 2, 3, 4, 5 trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Theo Th\u00f4ng t\u01b0 11\/2011\/TT-NHNN, c\u00e1c kho\u1ea3n n\u1ee3 (tr\u1eeb kho\u1ea3n tr\u1ea3 thay theo cam k\u1ebft ngo\u1ea1i b\u1ea3ng) \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i th\u00e0nh 5 nh\u00f3m d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, gi\u00fap t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng qu\u1ea3n l\u00fd v\u00e0 \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh kh\u00e1ch h\u00e0ng. Vi\u1ec7c hi\u1ec3u r\u00f5 c\u00e1c nh\u00f3m n\u1ee3 n\u00e0y r\u1ea5t quan tr\u1ecdng, gi\u00fap ng\u01b0\u1eddi vay ch\u1ee7 \u0111\u1ed9ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 tr\u00e1nh r\u01a1i v\u00e0o nh\u00f3m n\u1ee3 x\u1ea5u.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nhom_1_No_du_tieu_chuan\"><\/span>Nh\u00f3m 1: N\u1ee3 \u0111\u1ee7 ti\u00eau chu\u1ea9n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nh\u00f3m n\u1ee3 n\u00e0y bao g\u1ed3m c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 an to\u00e0n v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i \u0111\u1ea7y \u0111\u1ee7 c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i \u0111\u00fang h\u1ea1n. C\u1ee5 th\u1ec3:<\/p>\n<ul>\n<li>Kho\u1ea3n n\u1ee3 trong h\u1ea1n v\u00e0 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i \u0111\u1ea7y \u0111\u1ee7.<\/li>\n<li>Kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n d\u01b0\u1edbi 10 ng\u00e0y nh\u01b0ng ng\u01b0\u1eddi vay ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i qu\u00e1 h\u1ea1n, \u0111\u1ed3ng th\u1eddi \u0111\u1ea3m b\u1ea3o tr\u1ea3 n\u1ee3 c\u00e1c k\u1ef3 h\u1ea1n ti\u1ebfp theo.<\/li>\n<li>Kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0o nh\u00f3m 1 theo quy \u0111\u1ecbnh t\u1ea1i m\u1ee5c 2 c\u1ee7a Th\u00f4ng t\u01b0 11\/2011\/TT-NHNN.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ckconitsha.com\/vn\/wp-content\/uploads\/2025\/03\/phan-loai-nhom-no.jpg\" alt=\"Ph\u00e2n lo\u1ea1i nh\u00f3m n\u1ee3\" width=\"560\" height=\"291\" \/><em class=\"cap-ai\">Ph\u00e2n lo\u1ea1i nh\u00f3m n\u1ee3<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nhom_2_No_can_chu_y\"><\/span>Nh\u00f3m 2: N\u1ee3 c\u1ea7n ch\u00fa \u00fd<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u00e2y l\u00e0 nh\u00f3m n\u1ee3 ti\u1ec1m \u1ea9n r\u1ee7i ro, c\u1ea7n \u0111\u01b0\u1ee3c theo d\u00f5i ch\u1eb7t ch\u1ebd. Bao g\u1ed3m:<\/p>\n<ul>\n<li>N\u1ee3 qu\u00e1 h\u1ea1n t\u1eeb 10 \u0111\u1ebfn 90 ng\u00e0y (tr\u1eeb tr\u01b0\u1eddng h\u1ee3p n\u1ee3 qu\u00e1 h\u1ea1n d\u01b0\u1edbi 10 ng\u00e0y \u0111\u00e3 tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ch\u1ee9ng minh kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u00e1c k\u1ef3 ti\u1ebfp theo).<\/li>\n<li>N\u1ee3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n \u0111\u1ea7u c\u00f2n trong h\u1ea1n (tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 v\u00e0 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0o nh\u00f3m n\u1ee3 c\u00f3 r\u1ee7i ro th\u1ea5p h\u01a1n).<\/li>\n<li>N\u1ee3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0o nh\u00f3m 2 theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2.1, 2.2 c\u1ee7a Th\u00f4ng t\u01b0 11\/2011\/TT-NHNN.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Nhom_3_No_duoi_tieu_chuan\"><\/span>Nh\u00f3m 3: N\u1ee3 d\u01b0\u1edbi ti\u00eau chu\u1ea9n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nh\u00f3m n\u1ee3 n\u00e0y th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 suy gi\u1ea3m. C\u1ee5 th\u1ec3:<\/p>\n<ul>\n<li>N\u1ee3 qu\u00e1 h\u1ea1n t\u1eeb 91 \u0111\u1ebfn 180 ng\u00e0y.<\/li>\n<li>N\u1ee3 gia h\u1ea1n n\u1ee3 l\u1ea7n \u0111\u1ea7u c\u00f2n trong h\u1ea1n (tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 v\u00e0 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0o nh\u00f3m n\u1ee3 c\u00f3 r\u1ee7i ro th\u1ea5p h\u01a1n).<\/li>\n<li>N\u1ee3 \u0111\u01b0\u1ee3c mi\u1ec5n ho\u1eb7c gi\u1ea3m l\u00e3i do kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng tr\u1ea3 l\u00e3i \u0111\u1ea7y \u0111\u1ee7.<\/li>\n<li>N\u1ee3 vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (\u0111\u00e3 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung) v\u00e0 ch\u01b0a thu h\u1ed3i \u0111\u01b0\u1ee3c trong v\u00f2ng 30 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y c\u00f3 quy\u1ebft \u0111\u1ecbnh thu h\u1ed3i.<\/li>\n<li>N\u1ee3 trong th\u1eddi h\u1ea1n thu h\u1ed3i theo k\u1ebft lu\u1eadn thanh tra, ki\u1ec3m tra.<\/li>\n<li>N\u1ee3 ph\u1ea3i thu h\u1ed3i theo quy\u1ebft \u0111\u1ecbnh thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n do kh\u00e1ch h\u00e0ng vi ph\u1ea1m th\u1ecfa thu\u1eadn v\u00e0 ch\u01b0a thu h\u1ed3i \u0111\u01b0\u1ee3c trong v\u00f2ng 30 ng\u00e0y.<\/li>\n<li>C\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, 3 \u0110i\u1ec1u 10 v\u00e0 kho\u1ea3n 4 \u0110i\u1ec1u 8 Th\u00f4ng t\u01b0 11\/2021\/TT-NHNN.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Nhom_4_No_nghi_ngo\"><\/span>Nh\u00f3m 4: N\u1ee3 nghi ng\u1edd<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nh\u00f3m n\u1ee3 n\u00e0y c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n cao. Bao g\u1ed3m:<\/p>\n<ul>\n<li>N\u1ee3 qu\u00e1 h\u1ea1n t\u1eeb 181 \u0111\u1ebfn 360 ng\u00e0y.<\/li>\n<li>N\u1ee3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n \u0111\u1ea7u qu\u00e1 h\u1ea1n \u0111\u1ebfn 90 ng\u00e0y.<\/li>\n<li>N\u1ee3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n th\u1ee9 hai c\u00f2n trong h\u1ea1n (tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0o nh\u00f3m n\u1ee3 c\u00f3 r\u1ee7i ro th\u1ea5p h\u01a1n).<\/li>\n<li>C\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u1ee3 nh\u00f3m 3 ch\u01b0a thu h\u1ed3i \u0111\u01b0\u1ee3c t\u1eeb 30 \u0111\u1ebfn 60 ng\u00e0y.<\/li>\n<li>N\u1ee3 ph\u1ea3i thu h\u1ed3i theo k\u1ebft lu\u1eadn thanh tra, ki\u1ec3m tra nh\u01b0ng qu\u00e1 h\u1ea1n \u0111\u1ebfn 60 ng\u00e0y m\u00e0 ch\u01b0a thu h\u1ed3i \u0111\u01b0\u1ee3c.<\/li>\n<li>C\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2.1, 2.2 v\u00e0 kho\u1ea3n 4 \u0110i\u1ec1u 8 Th\u00f4ng t\u01b0 11\/2021\/TT-NHNN.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Nhom_5_No_co_kha_nang_mat_von\"><\/span>Nh\u00f3m 5: N\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u00e2y l\u00e0 nh\u00f3m n\u1ee3 x\u1ea5u nh\u1ea5t, kh\u1ea3 n\u0103ng thu h\u1ed3i g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f2n. Bao g\u1ed3m:<\/p>\n<ul>\n<li>N\u1ee3 qu\u00e1 h\u1ea1n tr\u00ean 360 ng\u00e0y.<\/li>\n<li>N\u1ee3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n \u0111\u1ea7u qu\u00e1 h\u1ea1n t\u1eeb 91 ng\u00e0y tr\u1edf l\u00ean.<\/li>\n<li>N\u1ee3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n th\u1ee9 hai qu\u00e1 h\u1ea1n.<\/li>\n<li>N\u1ee3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n th\u1ee9 ba tr\u1edf l\u00ean (tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0o nh\u00f3m n\u1ee3 c\u00f3 r\u1ee7i ro th\u1ea5p h\u01a1n).<\/li>\n<li>C\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u1ee3 nh\u00f3m 3 ch\u01b0a thu h\u1ed3i \u0111\u01b0\u1ee3c tr\u00ean 60 ng\u00e0y.<\/li>\n<li>N\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1eb7c bi\u1ec7t, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111ang b\u1ecb phong t\u1ecfa v\u1ed1n v\u00e0 t\u00e0i s\u1ea3n.<\/li>\n<li>C\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2.2 v\u00e0 kho\u1ea3n 4 \u0110i\u1ec1u 8 Th\u00f4ng t\u01b0 11\/2021\/TT-NHNN.<\/li>\n<\/ul>\n<p>Ngu\u1ed3n: <a href=\"http:\/\/www.ckconitsha.com\/vn\/\">http:\/\/www.ckconitsha.com\/vn\/<\/a> T\u00e1c gi\u1ea3: <a href=\"https:\/\/www.ckconitsha.com\/vn\/author\/nguyenlandung\">Nguy\u1ec5n L\u00e2n d\u0169ng<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nh\u00f3m n\u1ee3 1, 2, 3, 4, 5 trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Theo Th\u00f4ng t\u01b0 11\/2011\/TT-NHNN, c\u00e1c kho\u1ea3n n\u1ee3 (tr\u1eeb kho\u1ea3n tr\u1ea3 thay theo cam k\u1ebft ngo\u1ea1i b\u1ea3ng) \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i th\u00e0nh 5 nh\u00f3m d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, gi\u00fap t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng qu\u1ea3n l\u00fd v\u00e0 \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh kh\u00e1ch&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1012","post","type-post","status-publish","format-standard","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/posts\/1012","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/comments?post=1012"}],"version-history":[{"count":2,"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/posts\/1012\/revisions"}],"predecessor-version":[{"id":18173,"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/posts\/1012\/revisions\/18173"}],"wp:attachment":[{"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/media?parent=1012"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/categories?post=1012"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ckconitsha.com\/vn\/wp-json\/wp\/v2\/tags?post=1012"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}