C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang Hoa K\u1ef3, c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Fed, \u0111\u00e3 ban h\u00e0nh l\u1ec7nh ng\u1eebng v\u00e0 h\u1ee7y b\u1ecf \u0111\u1ed1i v\u1edbi United Texas Bank. Ng\u00e2n h\u00e0ng c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Dallas n\u00e0y \u0111\u00e3 cung c\u1ea5p d\u1ecbch v\u1ee5 cho c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a, nh\u01b0ng Fed tuy\u00ean b\u1ed1 r\u1eb1ng ng\u00e2n h\u00e0ng kh\u00f4ng tu\u00e2n th\u1ee7 c\u00e1c quy t\u1eafc ch\u1ed1ng r\u1eeda ti\u1ec1n (AML) th\u00edch h\u1ee3p. L\u1ec7nh n\u00e0y l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a cu\u1ed9c \u0111\u00e0n \u00e1p l\u1edbn h\u01a1n c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd Hoa K\u1ef3 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng giao d\u1ecbch v\u1edbi c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a.<\/p>\n\n
United Texas Bank l\u00e0 m\u1ed9t trong s\u1ed1 \u00edt ng\u00e2n h\u00e0ng c\u00f2n l\u1ea1i \u1edf Hoa K\u1ef3 v\u1eabn cung c\u1ea5p d\u1ecbch v\u1ee5 cho ng\u00e0nh ti\u1ec1n m\u00e3 h\u00f3a. Tuy nhi\u00ean, hi\u1ec7n ng\u00e2n h\u00e0ng n\u00e0y ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 gi\u00e1m s\u00e1t nghi\u00eam ng\u1eb7t t\u1eeb Fed do “nh\u1eefng thi\u1ebfu s\u00f3t \u0111\u00e1ng k\u1ec3” trong vi\u1ec7c tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh AML. C\u00e1c lu\u1eadt n\u00e0y \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ng\u0103n ch\u1eb7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p nh\u01b0 r\u1eeda ti\u1ec1n v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ph\u1ea3i tu\u00e2n th\u1ee7 nghi\u00eam ng\u1eb7t c\u00e1c lu\u1eadt n\u00e0y.<\/p>\n\n
\u0110\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi l\u1ec7nh n\u00e0y, ban l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ed3ng \u00fd h\u1ee3p t\u00e1c v\u1edbi Fed. Thay v\u00ec tr\u1ea3i qua m\u1ed9t qu\u00e1 tr\u00ecnh ph\u00e1p l\u00fd d\u00e0i, h\u1ecd \u0111\u00e3 ch\u1ea5p nh\u1eadn l\u1ec7nh ng\u1eebng v\u00e0 h\u1ee7y b\u1ecf. B\u00e2y gi\u1edd, h\u1ecd ph\u1ea3i n\u1ed9p m\u1ed9t k\u1ebf ho\u1ea1ch trong v\u00f2ng 90 ng\u00e0y \u0111\u1ec3 kh\u1eafc ph\u1ee5c c\u00e1c v\u1ea5n \u0111\u1ec1 v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ecd \u0111ang tu\u00e2n th\u1ee7 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c ti\u00eau chu\u1ea9n tu\u00e2n th\u1ee7 AML.<\/p>\n\n
S\u1ef1 li\u00ean quan c\u1ee7a United Texas Bank v\u1edbi c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a \u0111\u00e3 khi\u1ebfn ng\u00e2n h\u00e0ng n\u00e0y tr\u1edf th\u00e0nh t\u00e2m \u0111i\u1ec3m ch\u00fa \u00fd. Khi Fed t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn ti\u1ec1n m\u00e3 h\u00f3a, kh\u00f4ng c\u00f3 g\u00ec ng\u1ea1c nhi\u00ean khi ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 thu h\u00fat s\u1ef1 ch\u00fa \u00fd. C\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a t\u1eeb l\u00e2u \u0111\u00e3 ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 t\u00ecm \u0111\u1ed1i t\u00e1c ng\u00e2n h\u00e0ng \u1edf Hoa K\u1ef3 do lo ng\u1ea1i v\u1ec1 gian l\u1eadn, bi\u1ebfn \u0111\u1ed9ng v\u00e0 r\u1eeda ti\u1ec1n.<\/p>\n\n
Theo b\u00e1o c\u00e1o t\u00e0i ch\u00ednh m\u1edbi nh\u1ea5t, United Texas Bank c\u00f3 75 nh\u00e2n vi\u00ean v\u00e0 n\u1eafm gi\u1eef kho\u1ea3ng 1 tri\u1ec7u \u0111\u00f4 la t\u1ed5ng t\u00e0i s\u1ea3n. L\u1ec7nh ng\u1eebng v\u00e0 h\u1ee7y b\u1ecf c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t trong s\u1ed1 \u00edt ng\u00e2n h\u00e0ng v\u1eabn ph\u1ee5c v\u1ee5 ng\u00e0nh ti\u1ec1n m\u00e3 h\u00f3a.<\/p>\n\n
Fed kh\u00f4ng \u0111\u01b0a ra th\u00f4ng tin chi ti\u1ebft v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng \u0111\u00e3 kh\u00f4ng tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh AML nh\u01b0 th\u1ebf n\u00e0o. Tuy nhi\u00ean, r\u00f5 r\u00e0ng l\u00e0 c\u00e1c giao d\u1ecbch c\u1ee7a United Texas Bank v\u1edbi kh\u00e1ch h\u00e0ng ti\u1ec1n m\u00e3 h\u00f3a \u0111\u00e3 khi\u1ebfn ng\u00e2n h\u00e0ng n\u00e0y ph\u1ea3i b\u00e1o \u0111\u1ed9ng. L\u1ec7nh n\u00e0y ch\u1ec9 ra r\u1eb1ng ng\u00e2n h\u00e0ng ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc ngay l\u1eadp t\u1ee9c \u0111\u1ec3 kh\u1eafc ph\u1ee5c nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y v\u00e0 ng\u0103n ch\u1eb7n c\u00e1c v\u1ea5n \u0111\u1ec1 ti\u1ebfp theo.<\/p>\n\n
H\u00e0nh \u0111\u1ed9ng ch\u1ed1ng l\u1ea1i United Texas Bank n\u00e0y ch\u1ec9 l\u00e0 m\u1ed9t v\u00ed d\u1ee5 v\u1ec1 m\u1ed1i lo ng\u1ea1i ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang Hoa K\u1ef3 v\u1ec1 c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng v\u1edbi c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a. Th\u00e1ng tr\u01b0\u1edbc, Customers Bank, m\u1ed9t t\u1ed5 ch\u1ee9c cho vay th\u00e2n thi\u1ec7n v\u1edbi ti\u1ec1n m\u00e3 h\u00f3a kh\u00e1c, c\u0169ng b\u1ecb Fed ch\u1ec9 tr\u00edch. Ng\u00e2n h\u00e0ng c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Pennsylvania \u0111\u00e3 \u0111\u1ed3ng \u00fd ch\u1ecbu s\u1ef1 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd c\u1ee7a Fed sau khi b\u1ecb c\u00e1o bu\u1ed9c kh\u00f4ng tu\u00e2n th\u1ee7 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn kh\u00e1ch h\u00e0ng ti\u1ec1n m\u00e3 h\u00f3a c\u1ee7a m\u00ecnh.<\/p>\n\n
Customers Bank \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn cho ng\u00e0nh ti\u1ec1n m\u00e3 h\u00f3a sau s\u1ef1 s\u1ee5p \u0111\u1ed5 c\u1ee7a Signature Bank v\u00e0 Silvergate Bank v\u00e0o n\u0103m 2023. Hai ng\u00e2n h\u00e0ng n\u00e0y tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 nh\u1eefng \u0111\u01a1n v\u1ecb d\u1eabn \u0111\u1ea7u trong vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng cho c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a, nh\u01b0ng c\u1ea3 hai \u0111\u1ec1u \u0111\u00f3ng c\u1eeda do c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 ph\u00e1p l\u00fd.<\/p>\n\n
V\u1edbi s\u1ef1 ra \u0111i c\u1ee7a Signature v\u00e0 Silvergate, nhi\u1ec1u c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a \u0111\u00e3 ph\u1ea3i ch\u1ea1y \u0111\u00f4n \u0111\u00e1o \u0111\u1ec3 t\u00ecm nh\u1eefng \u0111\u1ed1i t\u00e1c ng\u00e2n h\u00e0ng m\u1edbi. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng, bao g\u1ed3m United Texas Bank v\u00e0 Customers Bank, \u0111\u00e3 v\u00e0o cu\u1ed9c \u0111\u1ec3 l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng n\u00e0y. Tuy nhi\u00ean, nh\u1eefng h\u00e0nh \u0111\u1ed9ng g\u1ea7n \u0111\u00e2y c\u1ee7a Fed cho th\u1ea5y r\u1eb1ng c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd kh\u00f4ng tho\u1ea3i m\u00e1i khi c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y ph\u1ee5c v\u1ee5 ng\u00e0nh ti\u1ec1n m\u00e3 h\u00f3a.<\/p>\n\n
C\u00f4ng ty B\u1ea3o hi\u1ec3m Ti\u1ec1n g\u1eedi Li\u00ean bang (FDIC) c\u0169ng b\u00e0y t\u1ecf lo ng\u1ea1i v\u1ec1 vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a. Theo FDIC, c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi t\u1eeb c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a c\u00f3 th\u1ec3 r\u1ea5t bi\u1ebfn \u0111\u1ed9ng v\u00e0 g\u00e2y ra r\u1ee7i ro \u0111\u00e1ng k\u1ec3 cho s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. S\u1ef1 bi\u1ebfn \u0111\u1ed9ng n\u00e0y c\u00f3 th\u1ec3 g\u00e2y ra c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 thanh kho\u1ea3n, khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng kh\u00f3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh h\u01a1n.<\/p>\n\n
Nh\u1eefng m\u1ed1i quan ng\u1ea1i n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn vi\u1ec7c t\u0103ng c\u01b0\u1eddng gi\u00e1m s\u00e1t c\u00e1c ng\u00e2n h\u00e0ng cung c\u1ea5p d\u1ecbch v\u1ee5 cho c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 bu\u1ed9c ph\u1ea3i c\u1eaft gi\u1ea3m ho\u1eb7c ng\u1eebng ho\u00e0n to\u00e0n c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn ti\u1ec1n m\u00e3 h\u00f3a c\u1ee7a m\u00ecnh. V\u00ed d\u1ee5, n\u0103m ngo\u00e1i, Metropolitan Bank c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i New York \u0111\u00e3 tuy\u00ean b\u1ed1 s\u1ebd \u0111\u00f3ng c\u1eeda m\u1ea3ng kinh doanh ti\u1ec1n m\u00e3 h\u00f3a c\u1ee7a m\u00ecnh. Quy\u1ebft \u0111\u1ecbnh n\u00e0y \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng l\u1edbn, bao g\u1ed3m c\u1ea3 s\u00e0n giao d\u1ecbch ti\u1ec1n m\u00e3 h\u00f3a n\u1ed5i ti\u1ebfng Crypto.com.<\/p>\n\n
Nhi\u1ec1u c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a hi\u1ec7n \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t tr\u1eadn chi\u1ebfn kh\u00f3 kh\u0103n khi t\u00ecm ki\u1ebfm c\u00e1c ng\u00e2n h\u00e0ng s\u1eb5n s\u00e0ng h\u1ee3p t\u00e1c v\u1edbi h\u1ecd. M\u1ed9t s\u1ed1 c\u00f4ng ty \u0111\u00e3 bu\u1ed9c ph\u1ea3i t\u00ecm \u0111\u1ed1i t\u00e1c ng\u00e2n h\u00e0ng \u1edf n\u01b0\u1edbc ngo\u00e0i, trong khi nh\u1eefng c\u00f4ng ty kh\u00e1c ph\u1ea3i h\u1ee3p nh\u1ea5t xung quanh m\u1ed9t s\u1ed1 \u00edt ng\u00e2n h\u00e0ng c\u00f2n l\u1ea1i \u1edf Hoa K\u1ef3 v\u1eabn ch\u1ea5p nh\u1eadn kh\u00e1ch h\u00e0ng ti\u1ec1n m\u00e3 h\u00f3a.<\/p>\n\n
C\u00e1c l\u1ec7nh ng\u1eebng v\u00e0 h\u1ee7y b\u1ecf nh\u01b0 l\u1ec7nh \u0111\u00e3 ban h\u00e0nh \u0111\u1ed1i v\u1edbi United Texas Bank l\u00e0 nh\u1eefng h\u00e0nh \u0111\u1ed9ng ph\u00e1p l\u00fd nghi\u00eam tr\u1ecdng. Khi m\u1ed9t ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t l\u1ec7nh nh\u01b0 v\u1eady, ng\u00e2n h\u00e0ng \u0111\u00f3 ph\u1ea3i ng\u1eebng m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng nh\u1ea5t \u0111\u1ecbnh v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 kh\u1eafc ph\u1ee5c m\u1ecdi v\u1ea5n \u0111\u1ec1 m\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd x\u00e1c \u0111\u1ecbnh. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, United Texas Bank ph\u1ea3i gi\u1ea3i quy\u1ebft nh\u1eefng thi\u1ebfu s\u00f3t c\u1ee7a m\u00ecnh trong vi\u1ec7c tu\u00e2n th\u1ee7 lu\u1eadt AML.<\/p>\n\n
Ban l\u00e3nh \u0111\u1ea1o c\u1ee7a ng\u00e2n h\u00e0ng ph\u1ea3i l\u1eadp k\u1ebf ho\u1ea1ch h\u00e0nh \u0111\u1ed9ng chi ti\u1ebft v\u00e0 n\u1ed9p cho Fed trong v\u00f2ng 90 ng\u00e0y. K\u1ebf ho\u1ea1ch n\u00e0y s\u1ebd ph\u00e1c th\u1ea3o c\u00e1ch th\u1ee9c ng\u00e2n h\u00e0ng d\u1ef1 \u0111\u1ecbnh c\u1ea3i thi\u1ec7n vi\u1ec7c tu\u00e2n th\u1ee7 AML c\u1ee7a m\u00ecnh v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c v\u1ea5n \u0111\u1ec1 t\u01b0\u01a1ng t\u1ef1 kh\u00f4ng ph\u00e1t sinh trong t\u01b0\u01a1ng lai. Kh\u00f4ng tu\u00e2n th\u1ee7 k\u1ebf ho\u1ea1ch n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn c\u00e1c h\u00ecnh ph\u1ea1t th\u1eadm ch\u00ed nghi\u00eam kh\u1eafc h\u01a1n.<\/p>\n\n
\u0110\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u00e2n thi\u1ec7n v\u1edbi ti\u1ec1n m\u00e3 h\u00f3a nh\u01b0 United Texas Bank, \u00e1p l\u1ef1c ph\u00e1p l\u00fd ki\u1ec3u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y t\u00e0n ph\u00e1. Nhi\u1ec1u ng\u00e2n h\u00e0ng v\u1ed1n \u0111\u00e3 d\u00e8 d\u1eb7t khi h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a do nh\u1eefng r\u1ee7i ro li\u00ean quan. G\u00e1nh n\u1eb7ng b\u1ed5 sung l\u00e0 ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh nghi\u00eam ng\u1eb7t khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng c\u00e0ng kh\u00f3 bi\u1ec7n minh h\u01a1n cho vi\u1ec7c duy tr\u00ec m\u1ed1i quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng ti\u1ec1n m\u00e3 h\u00f3a.<\/p>\n\n
Cu\u1ed9c \u0111\u00e0n \u00e1p c\u00e1c ng\u00e2n h\u00e0ng th\u00e2n thi\u1ec7n v\u1edbi ti\u1ec1n m\u00e3 h\u00f3a \u0111\u00e3 t\u1ea1o ra nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u00e1ng k\u1ec3 cho ng\u00e0nh ti\u1ec1n m\u00e3 h\u00f3a \u1edf Hoa K\u1ef3. N\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c \u0111\u1ed1i t\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e1ng tin c\u1eady, nhi\u1ec1u c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a \u0111ang ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, x\u1eed l\u00fd thanh to\u00e1n v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh thi\u1ebft y\u1ebfu kh\u00e1c. T\u00ecnh h\u00ecnh n\u00e0y ch\u1ec9 tr\u1edf n\u00ean t\u1ed3i t\u1ec7 h\u01a1n khi ng\u00e0y c\u00e0ng nhi\u1ec1u ng\u00e2n h\u00e0ng h\u1ea1n ch\u1ebf ti\u1ebfp x\u00fac v\u1edbi l\u0129nh v\u1ef1c ti\u1ec1n m\u00e3 h\u00f3a.<\/p>\n\n
S\u1ef1 s\u1ee5p \u0111\u1ed5 c\u1ee7a Signature Bank v\u00e0 Silvergate Bank l\u00e0 m\u1ed9t b\u01b0\u1edbc ngo\u1eb7t \u0111\u1ed1i v\u1edbi ng\u00e0nh ti\u1ec1n m\u00e3 h\u00f3a. C\u00e1c ng\u00e2n h\u00e0ng n\u00e0y t\u1eebng \u0111\u01b0\u1ee3c coi l\u00e0 x\u01b0\u01a1ng s\u1ed1ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ti\u1ec1n m\u00e3 h\u00f3a Hoa K\u1ef3, cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 quan tr\u1ecdng cho nhi\u1ec1u c\u00f4ng ty l\u1edbn nh\u1ea5t trong ng\u00e0nh. Tuy nhi\u00ean, s\u1ef1 s\u1ee5p \u0111\u1ed5 c\u1ee7a h\u1ecd \u0111\u00e3 n\u00eau b\u1eadt nh\u1eefng r\u1ee7i ro li\u00ean quan \u0111\u1ebfn vi\u1ec7c ng\u00e2n h\u00e0ng cho c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a v\u00e0 th\u00fac \u0111\u1ea9y c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd \u00e1p d\u1ee5ng l\u1eadp tr\u01b0\u1eddng c\u1ee9ng r\u1eafn h\u01a1n.<\/p>\n\n
B\u00e2y gi\u1edd, v\u1edbi \u00edt ng\u00e2n h\u00e0ng h\u01a1n s\u1eb5n s\u00e0ng l\u00e0m \u0103n v\u1edbi h\u1ecd, nhi\u1ec1u c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a \u0111ang chuy\u1ec3n sang c\u00e1c ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd. M\u1eb7c d\u00f9 \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p t\u1ea1m th\u1eddi, nh\u01b0ng n\u00f3 c\u0169ng \u0111i k\u00e8m v\u1edbi r\u1ee7i ro ri\u00eang. C\u00e1c ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 kh\u00f4ng cung c\u1ea5p m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 ho\u1eb7c gi\u00e1m s\u00e1t ph\u00e1p l\u00fd t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Hoa K\u1ef3, khi\u1ebfn ch\u00fang tr\u1edf th\u00e0nh l\u1ef1a ch\u1ecdn k\u00e9m \u1ed5n \u0111\u1ecbnh h\u01a1n cho c\u00e1c c\u00f4ng ty ti\u1ec1n m\u00e3 h\u00f3a.<\/p>\n\n
T\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng ti\u1ec1n m\u00e3 h\u00f3a t\u1ea1i Hoa K\u1ef3 v\u1eabn kh\u00f4ng ch\u1eafc ch\u1eafn. Khi c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u01b0 C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang v\u00e0 FDIC ti\u1ebfp t\u1ee5c \u0111\u00e0n \u00e1p c\u00e1c ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 ng\u00e0nh ti\u1ec1n m\u00e3 h\u00f3a, c\u00e1c c\u00f4ng ty n\u00e0y s\u1ebd ng\u00e0y c\u00e0ng kh\u00f3 t\u00ecm \u0111\u01b0\u1ee3c \u0111\u1ed1i t\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e1ng tin c\u1eady.<\/p>\n\n
Hi\u1ec7n t\u1ea1i, m\u1ed9t s\u1ed1 \u00edt ng\u00e2n h\u00e0ng c\u00f2n l\u1ea1i v\u1eabn h\u1ee3p t\u00e1c v\u1edbi kh\u00e1ch h\u00e0ng ti\u1ec1n m\u00e3 h\u00f3a ph\u1ea3i \u0111i\u1ec1u h\u01b0\u1edbng m\u1ed9t b\u1ed1i c\u1ea3nh ph\u00e1p l\u00fd \u0111\u1ea7y th\u00e1ch th\u1ee9c. H\u1ecd ph\u1ea3i c\u00e2n b\u1eb1ng gi\u1eefa c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd v\u1edbi nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng ti\u1ec1n m\u00e3 h\u00f3a c\u1ee7a h\u1ecd, \u0111\u1ed3ng th\u1eddi qu\u1ea3n l\u00fd nh\u1eefng r\u1ee7i ro v\u1ed1n c\u00f3 c\u1ee7a th\u1ecb tr\u01b0\u1eddng ti\u1ec1n m\u00e3 h\u00f3a.<\/p>\n\n
Kinh nghi\u1ec7m c\u1ee7a United Texas Bank l\u00e0 m\u1ed9t l\u1eddi c\u1ea3nh t\u1ec9nh cho c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c trong l\u0129nh v\u1ef1c n\u00e0y<\/p>","protected":false},"excerpt":{"rendered":"
C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang Hoa K\u1ef3 c\u00f3 h\u00e0nh \u0111\u1ed9ng ch\u1ed1ng l\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng \u1edf Texas v\u00ec giao d\u1ecbch ti\u1ec1n m\u00e3 h\u00f3a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang Hoa K\u1ef3,…<\/p>\n","protected":false},"author":4,"featured_media":1910,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1909","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/posts\/1909","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/comments?post=1909"}],"version-history":[{"count":1,"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/posts\/1909\/revisions"}],"predecessor-version":[{"id":1911,"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/posts\/1909\/revisions\/1911"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/media\/1910"}],"wp:attachment":[{"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/media?parent=1909"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/categories?post=1909"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bitcoinnewscrypto.com\/vi\/wp-json\/wp\/v2\/tags?post=1909"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}