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nhn t nh hng
TS. V Vn Long 1
Nguyn tc xc nh hn mc BHTG
Ngoi ra, han m c bo him thc t hiu qu c th gia m theo thi gian v
phi c xem xt thng xuyn. Theo thi gian, lm pht c th lm gim gi tr
thc ca hn mc BHTG, cu phn v quy m ca cc khon tin gi c th thay i
v cc cng c ti n g i mi c th c cung cp. Do o , vic nh gi mc ph
hp ca phm vi v han mc ba o hi m nh k l cn thit.
Cc yu t nh hng n hn mc BHTG
Trong giai on kinh t pht trin khng n nh, suy thoi, h thng ngn hng
gp kh khn, th nim tin ngi gi tin ng vai tr quan trng trong vic n nh
tnh hnh ti chnh ngn hng. Nu nim tin y b lung lay hay suy gim, iu s
ko theo nhng tc hi to ln i vi h thng ngn hng vn suy yu nh tnh
trng rt tin hng lot. V vy, lc ny hn mc BHTG c tc dng cng c nim tin
ngi gi tin, gip h an tm, bnh tnh v s an ton cc khon tin ca h ti cc
ngn hng trong h thng.