{"id":10400,"date":"2020-05-20T17:02:37","date_gmt":"2020-05-20T10:02:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=10400"},"modified":"2022-03-02T17:19:55","modified_gmt":"2022-03-02T10:19:55","slug":"2-998-vay-tieu-dung-co-trach-nhiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-998-vay-tieu-dung-co-trach-nhiem\/","title":{"rendered":"2.998. Vay ti\u00eau d\u00f9ng c\u00f3 tr\u00e1ch nhi\u1ec7m"},"content":{"rendered":"

(TN) – Theo C\u1ee5c C\u1ea1nh tranh v\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng B\u1ed9 C\u00f4ng th\u01b0\u01a1ng trong giai \u0111o\u1ea1n 10 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng li\u00ean t\u1ee5c c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cao, trung b\u00ecnh 20%\/n\u0103m \u0111\u1ea1t quy m\u00f4 646.000 t\u1ec9 \u0111\u1ed3ng.<\/h4>\n

\u0110\u1ea1i di\u1ec7n B\u00e1o Thanh Ni\u00ean t\u1eb7ng hoa c\u00e1c kh\u00e1ch m\u1eddi tham gia giao l\u01b0u tr\u1ef1c tuy\u1ebfn<\/p>\n

\"\"<\/p>\n

\u1ea2NH NG\u1eccC TH\u1eaeNG<\/em><\/p>\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft nhu c\u1ea7u vay v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n, \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, \u0111\u00f3ng g\u00f3p cho s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 c\u00f3 nh\u1eefng s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng ho\u00e0n thi\u1ec7n v\u00e0 \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i r\u1ed9ng kh\u1eafp c\u1ea3 n\u01b0\u1edbc. Mong mu\u1ed1n gi\u00fap ng\u01b0\u1eddi d\u00e2n nh\u1eadn th\u1ee9c \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 cho vay ti\u00eau d\u00f9ng, B\u00e1o Thanh Ni\u00ean t\u1ed5 ch\u1ee9c ch\u01b0\u01a1ng tr\u00ecnh giao l\u01b0u tr\u1ef1c tuy\u1ebfn v\u1edbi ch\u1ee7 \u0111\u1ec1 \u201cVay ti\u00eau d\u00f9ng c\u00f3 tr\u00e1ch nhi\u1ec7m\u201d v\u00e0o l\u00fac: 14-16 gi\u1edd ng\u00e0y 20.5.<\/p>\n

Kh\u00e1ch m\u1eddi tham gia ch\u01b0\u01a1ng tr\u00ecnh g\u1ed3m: \u0110\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Tr\u1ecdng t\u00e0i vi\u00ean VIAC – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/i>; Chuy\u00ean gia t\u00e0i ch\u00ednh TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu. C\u00e1c kh\u00e1ch m\u1eddi trong ch\u01b0\u01a1ng tr\u00ecnh s\u1ebd gi\u1ea3i th\u00edch r\u00f5 cho ng\u01b0\u1eddi d\u00e2n b\u1ea3n ch\u1ea5t c\u1ee7a t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u0169ng nh\u01b0 c\u00e1c quy\u1ec1n l\u1ee3i v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi vay ti\u00eau d\u00f9ng.<\/p>\n

M\u1eddi b\u1ea1n \u0111\u1ecdc quan t\u00e2m vui l\u00f2ng \u0111\u1eb7t c\u00e2u h\u1ecfi t\u1ea1i box b\u00ean c\u1ea1nh \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p c\u1ee5 th\u1ec3.<\/p>\n

Lu\u1eadt s\u01b0 c\u00f3 nh\u1eadn \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 m\u1ed1i quan h\u1ec7 vay tr\u1ea3 \u1edf Vi\u1ec7t Nam? Nh\u1ea5t l\u00e0 v\u1edbi nh\u1eefng kho\u1ea3n vay nh\u1ecf l\u1ebb?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

T\u1ea1i Vi\u1ec7t Nam, nh\u00ecn chung m\u1ed1i quan h\u1ec7 vay l\u00e0 s\u00f2ng ph\u1eb3ng, \u0111i vay t\u01b0\u01a1ng \u0111\u1ed1i d\u1ec5 d\u00e0ng, tr\u1ea3 n\u1ee3 t\u01b0\u01a1ng \u0111\u1ed1i nghi\u00eam t\u00fac \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 ngu\u1ed3n t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh, c\u0169ng nh\u01b0 c\u00f3 \u00fd th\u1ee9c r\u00f5 r\u00e0ng \u0111\u1ed1i v\u1edbi vi\u1ec7c chi ti\u00eau v\u00e0 vay n\u1ee3.<\/p>\n

Tuy nhi\u00ean, nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 ch\u00e2y \u00ec, t\u00ecm \u0111\u1ee7 m\u1ecdi c\u00e1ch tho\u00e1i th\u00e1c tr\u00e1ch nhi\u1ec7m. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y ch\u1ec9 t\u00ecm m\u1ecdi c\u00e1ch \u0111\u1ec3 vay \u0111\u01b0\u1ee3c m\u00e0 kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 ngu\u1ed3n ti\u1ec1n, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, th\u1eadm ch\u00ed kh\u00f4ng mu\u1ed1n tr\u1ea3 n\u1ee3.<\/p>\n

C\u00e1c tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng s\u1ebd b\u1ecb v\u1ebft \u0111en, r\u1ea5t kh\u00f3 vay m\u01b0\u1ee3n \u1edf c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Vi\u1ec7c g\u00e2y ra r\u1ee7i ro cho h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng d\u1eabn \u0111\u1ebfn m\u00f4i tr\u01b0\u1eddng kinh doanh b\u1ecb \u1ea3nh h\u01b0\u1edfng x\u1ea5u, l\u00e3i su\u1ea5t b\u1ecb \u0111\u1ea9y l\u00ean cao; \u0111\u1ed3ng th\u1eddi, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng bu\u1ed9c ph\u1ea3i c\u00f3 nh\u1eefng h\u00e0nh \u0111\u1ed9ng “t\u1ef1 v\u1ec7” qu\u00e1 m\u1ee9c c\u1ea7n thi\u1ebft nh\u01b0: t\u0103ng l\u00e3i su\u1ea5t, y\u00eau c\u1ea7u mua b\u1ea3o hi\u1ec3m, s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u00f2i n\u1ee3 c\u0103ng th\u1eb3ng l\u00e0m \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng v\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng n\u00f3i chung.<\/p>\n

XU\u00c2N \u0110\u1ee8C \u00a0TP.H\u1ed3 Ch\u00ed Minh<\/p>\n

Xin \u00f4ng cho bi\u1ebft m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng th\u1eddi gian t\u1edbi?<\/p>\n

\u00d4NG NGUY\u1ec4N TR\u1eccNG DU<\/p>\n

Ph\u00f3 ch\u00e1nh thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

Hi\u1ec7n c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc v\u1ec1 l\u0129nh v\u1ef1c n\u00e0y \u0111ang r\u1ea5t n\u1ed7 l\u1ef1c \u0111\u1ec3 c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng v\u1edbi 2 m\u1ee5c ti\u00eau ch\u00ednh.<\/p>\n

\u0110\u00f3 l\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111i vay v\u00e0 th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a m\u1ecdi ng\u01b0\u1eddi d\u00e2n.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam theo k\u1ecbp v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng th\u1ebf gi\u1edbi, c\u1ea7n ph\u1ea3i ho\u00e0n thi\u1ec7n c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd cho k\u00eanh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u0111\u1ec3 t\u1ea1o n\u1ec1n t\u1ea3ng cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 c\u00e1c CTTC ho\u1ea1t \u0111\u1ed9ng, t\u1ea1o ra m\u1ed9t th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh l\u00e0nh m\u1ea1nh.<\/p>\n

Th\u1eddi gian qua, ng\u00e0nh ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c l\u00e0 c\u01a1 quan d\u1eabn \u0111\u1ea7u v\u1ec1 ch\u1ec9 s\u1ed1 c\u1ea3i c\u00e1ch th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, b\u00ean c\u1ea1nh c\u00e1c ch\u00ednh s\u00e1ch, gi\u1ea3i ph\u00e1p nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ea9y m\u1ea1nh tri\u1ec3n khai, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea7y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

Th\u1eddi gian t\u1edbi, ch\u00fang ta c\u1ea7n ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd, x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng quy \u0111\u1ecbnh qu\u1ea3n l\u00fd th\u1ed1ng nh\u1ea5t, t\u1ea1o l\u1eadp v\u00e0 duy tr\u00ec m\u00f4i tr\u01b0\u1eddng v\u0129 m\u00f4 \u1ed5n \u0111\u1ecbnh. B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea7n ph\u00e1t tri\u1ec3n h\u1ec7 th\u1ed1ng th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u1ec3 gi\u00fap c\u00e1c TCTD c\u00f3 th\u1ec3 truy c\u1eadp v\u00e0 tra c\u1ee9u th\u00f4ng tin v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd. \u0110\u1ed3ng th\u1eddi, c\u1ea7n t\u0103ng c\u01b0\u1eddng c\u00e1c ch\u00ednh s\u00e1ch, bi\u1ec7n ph\u00e1p v\u00e0 vai tr\u00f2 c\u00e1c t\u1ed5 ch\u1ee9c li\u00ean quan trong vi\u1ec7c b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng.<\/p>\n

Ngo\u00e0i ra, c\u1ea7n s\u1ef1 ph\u1ed1i h\u1ee3p c\u1ee7a c\u00e1c b\u1ed9, ng\u00e0nh li\u00ean quan, ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng trong vi\u1ec7c tuy\u00ean truy\u1ec1n, gi\u00e1o d\u1ee5c nh\u1eb1m n\u00e2ng cao hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh, nh\u1eadn th\u1ee9c v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh trong c\u1ed9ng \u0111\u1ed3ng, t\u0103ng c\u01b0\u1eddng c\u00e1c h\u00ecnh th\u1ee9c gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh nh\u1eb1m n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u1edf v\u00f9ng s\u00e2u v\u00f9ng xa, v\u00f9ng kh\u00f3 kh\u0103n, \u0111\u1ed3ng th\u1eddi c\u1ea3nh b\u00e1o v\u1ec1 s\u1ef1 gia t\u0103ng r\u1ee7i ro (n\u1ee3 x\u1ea5u) trong \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n nhanh.<\/p>\n

TR\u1ea6N HOA<\/p>\n

V\u0169ng T\u00e0u<\/p>\n

\u00d4ng vui l\u00f2ng m\u00e1ch n\u01b0\u1edbc cho b\u1ea1n \u0111\u1ecdc nh\u1eefng gi\u1ea3i ph\u00e1p x\u00e2y d\u1ef1ng k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3, c\u00f3 th\u1ec3 tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n khi \u0111i vay ti\u00eau d\u00f9ng?<\/p>\n

TS NGUY\u1ec4N TR\u00cd HI\u1ebeU<\/p>\n

chuy\u00ean gia t\u00e0i ch\u00ednh<\/p>\n

T\u00f4i r\u1ea5t mu\u1ed1n chia s\u1ebb, nh\u01b0ng \u0111\u00e2y l\u00e0 \u0111\u1ec1 t\u00e0i r\u1ea5t r\u1ed9ng, n\u00ean trong khu\u00f4n kh\u1ed5 bu\u1ed5i to\u1ea1 \u0111\u00e0m, t\u00f4i kh\u00f4ng th\u1ec3 \u0111\u00f3ng g\u00f3p r\u1ed9ng r\u00e3i \u0111\u01b0\u1ee3c.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ec3 x\u1eed l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 nh\u1eefng kho\u1ea3n n\u1ee3 c\u1ee7a m\u00ecnh, \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng \u0111\u1ec1 xu\u1ea5t c\u1ee7a t\u00f4i:<\/p>\n

Th\u1ee9 nh\u1ea5t, n\u1ebfu ph\u1ea3i vay n\u1ee3 \u0111\u1ec3 trang tr\u1ea3i, h\u00e3y vay \u00edt nh\u1ea5t c\u00f3 th\u1ec3, d\u1ef1a tr\u00ean m\u1ed9t t\u1ef7 l\u1ec7 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 DTI (DEBT TO INCOME).<\/p>\n

T\u1ef7 l\u1ec7 n\u00e0y th\u1ec3 hi\u1ec7n m\u1ee9c vay tr\u00ean thu nh\u1eadp, kh\u00f4ng n\u00ean v\u01b0\u1ee3t qu\u00e1 60%. N\u1ebfu t\u00f4i c\u00f3 thu nh\u1eadp 10 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng th\u00ec t\u00f4i kh\u00f4ng n\u00ean c\u00f3 t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 cao h\u01a1n 6 tri\u1ec7u \u0111\u1ed3ng. T\u1ef7 l\u1ec7 n\u00e0y b\u1ea3o \u0111\u1ea3m ng\u01b0\u1eddi \u0111i vay c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, trong khi v\u1eabn \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 trang tr\u1ea3i c\u00e1c chi ph\u00ed kh\u00e1c c\u1ee7a \u0111\u1eddi s\u1ed1ng.<\/p>\n

Th\u1ee9 hai, n\u00ean t\u1eadp trung vay t\u1ea1i m\u1ed9t v\u00e0i kho\u1ea3n vay v\u00e0 kh\u00f4ng n\u00ean vay t\u1eeb qu\u00e1 nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng, vi\u1ec7c vay d\u00e0n tr\u1ea3i \u0111\u01b0a \u0111\u1ebfn r\u1ee7i ro m\u1ea5t ki\u1ec3m so\u00e1t, d\u1ec5 v\u1ee1 n\u1ee3.<\/p>\n

Th\u1ee9 ba, tr\u00e1nh t\u00edn d\u1ee5ng \u0111en, h\u00e3y \u0111\u1ebfn v\u1edbi NH v\u00e0 c\u00e1c CTTC n\u1ebfu c\u00f3 th\u1ec3 vay, sau \u0111\u00f3 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn nh\u1eefng c\u00f4ng ty P2P landing l\u00e0m \u0103n ch\u00e2n ch\u00ednh.<\/p>\n

Th\u1ee9 t\u01b0, trong tr\u01b0\u1eddng h\u1ee3p r\u01a1i v\u00e0o b\u1eaby t\u00edn d\u1ee5ng \u0111en v\u00e0 ph\u1ea3i \u0111\u1ed1i ph\u00f3 v\u1edbi nh\u1eefng \u0111e d\u1ecda v\u1ec1 th\u1ec3 ch\u1ea5t v\u00e0 tinh th\u1ea7n, th\u00ec n\u00ean b\u00e1o ngay v\u1edbi c\u00e1c c\u01a1 quan an ninh \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7.<\/p>\n

LAN H\u01af\u01a0NG<\/p>\n

H\u1ed3 Ch\u00ed Minh<\/p>\n

Hi\u1ec7n nay, c\u00e1c CTTC \u0111ang ch\u1ee7 \u0111\u1ed9ng n\u00e2ng cao tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c cho vay nh\u01b0 \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7, \u0111\u1ea3m b\u1ea3o c\u00f4ng t\u00e1c th\u1ea9m \u0111\u1ecbnh, t\u01b0 v\u1ea5n r\u00f5 r\u00e0ng, minh b\u1ea1ch v\u00e0 c\u00f4ng khai th\u00f4ng tin v\u1ec1 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng, khung l\u00e3i su\u1ea5t, m\u1ee9c ph\u00ed li\u00ean quan,\u2026Theo \u00f4ng, vi\u1ec7c n\u00e0y s\u1ebd c\u00f3 l\u1ee3i \u00edch nh\u01b0 th\u1ebf n\u00e0o v\u1edbi c\u00e1c CTTC v\u00e0 cho ng\u01b0\u1eddi \u0111i vay?<\/p>\n

TS NGUY\u1ec4N TR\u00cd HI\u1ebeU<\/p>\n

chuy\u00ean gia t\u00e0i ch\u00ednh<\/p>\n

Hi\u1ec7n nay, nhi\u1ec1u CTTC \u00e1p d\u1ee5ng nh\u1eefng \u1ee9ng d\u1ee5ng hi\u1ec7n \u0111\u1ea1i \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi \u0111i vay, nh\u01b0 app v\u00e0 c\u00f4ng c\u1ee5 nh\u1eadn di\u1ec7n hi\u1ec7n \u0111\u1ea1i nh\u01b0 QR code, c\u0169ng nh\u01b0 c\u00e1ch x\u1eed l\u00fd nh\u1eefng h\u1ed3 s\u01a1 vay qua c\u00f4ng ngh\u1ec7.<\/p>\n

T\u1ea5t c\u1ea3 nh\u1eefng ph\u01b0\u01a1ng ti\u1ec7n n\u00e0y l\u00e0m cho vi\u1ec7c \u0111i vay v\u00e0 cho vay nhanh ch\u00f3ng v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n. \u0110\u00e2y l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng r\u1ea5t \u0111\u00e1ng kh\u00edch l\u1ec7 v\u00e0 t\u00edch c\u1ef1c cho s\u1ef1 ph\u00e1t tri\u1ec3n.<\/p>\n

\"\"<\/p>\n\n\n\n
Theo chuy\u00ean gia t\u00e0i ch\u00ednh Nguy\u1ec5n Tr\u00ed Hi\u1ebfu: “Ho\u1ea1t \u0111\u1ed9ng P2Planding \u0111ang ph\u00e1t tri\u1ec3n nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd”<\/p>\n

\u1ea2NH NG\u1eccC TH\u1eaeNG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

B\u00ean c\u1ea1nh nh\u1eefng CTTC ch\u00ednh th\u1ed1ng, trong \u00edt n\u0103m g\u1ea7n \u0111\u00e2y, ch\u00fang ta th\u1ea5y s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a nhi\u1ec1u c\u00f4ng ty Fintech, bao g\u1ed3m c\u00e1c c\u00f4ng ty P2P landing, l\u00e0 nh\u1eefng c\u00f4ng ty s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i \u0111\u1ec3 k\u1ebft n\u1ed1i ng\u01b0\u1eddi c\u00f3 ti\u1ec1n v\u00e0 ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay. Tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay c\u00f3 r\u1ea5t nhi\u1ec1u c\u00f4ng ty B2B landing, bao g\u1ed3m c\u1ea3 nh\u1eefng c\u00f4ng ty \u0111\u00e0ng ho\u00e0ng v\u00e0 c\u1ea3 nh\u1eefng c\u00f4ng ty mang t\u00ednh “x\u00e3 h\u1ed9i \u0111en”, l\u1eeba g\u1ea1t.<\/p>\n

V\u1edbi nh\u1eefng c\u00f4ng ty l\u00e0m \u0103n nghi\u00eam t\u00fac, ch\u00fang ta c\u00f3 th\u1ec3 quan s\u00e1t \u0111\u00e2u \u0111\u00f3 kho\u1ea3ng 50 c\u00f4ng ty, bao g\u1ed3m Lendbiz, Tima, Mofin, Verig, VFL\/VNVON… Nh\u1eefng c\u00f4ng ty l\u00e0m \u0103n ch\u00e2n ch\u00ednh tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt, s\u1eed d\u1ee5ng ph\u1ea7n m\u1ec1m \u0111\u1ec3 k\u1ebft n\u1ed1i nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u01b0\u1eddi \u0111i vay, \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t \u0111\u00fang quy \u0111\u1ecbnh (kh\u00f4ng v\u01b0\u1ee3t 20%\/n\u0103m).<\/p>\n

H\u1ecd c\u0169ng s\u1eed d\u1ee5ng nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p th\u1ea9m \u0111\u1ecbnh kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi \u0111i vay t\u01b0\u01a1ng t\u1ef1 nh\u01b0 NH, th\u1eadm ch\u00ed h\u1ecd s\u1eed dung c\u00e1ch ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng cho ng\u01b0\u1eddi \u0111i vay, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 h\u1ec7 th\u00f4ng x\u1ebfp \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a NH.<\/p>\n

H\u1ecd c\u00f3 nh\u1eefng b\u1ed9 ph\u1eadn t\u01b0 v\u1ea5n kh\u00e1ch h\u00e0ng v\u00e0 c\u00f3 nh\u1eefng app s\u1eed d\u1ee5ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng v\u00e0 chuy\u1ec3n t\u1ea3i th\u00f4ng tin t\u1eeb ng\u01b0\u1eddi \u0111i vay t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u01b0\u1ee3c l\u1ea1i. Tuy nhi\u00ean, t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y, ch\u00fang ta v\u1eabn ch\u01b0a c\u00f3 nh\u1eefng quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt r\u00f5 r\u00e0ng v\u1ec1 h\u00ecnh th\u1ee9c cho vay ngang h\u00e0ng B2B landing.<\/p>\n

Theo th\u00f4ng tin c\u1ee7a t\u00f4i, hi\u1ec7n nay, NHNN \u0111ang chu\u1ea9n b\u1ecb m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh th\u1eed nghi\u1ec7m \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Regulatory sandbox, \u0111\u1ec3 m\u1eddi g\u1ecdi m\u1ed9t s\u1ed1 c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c P2Planding tham gia.<\/p>\n

T\u1eeb \u0111\u00f3, NHNN theo s\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u1ec3 \u0111\u01b0a ra m\u1ed9t d\u1ef1 th\u1ea3o. Ch\u1eebng n\u00e0o d\u1ef1 th\u1ea3o ch\u01b0a \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n v\u00e0 tr\u00ecnh Ch\u00ednh ph\u1ee7, Qu\u1ed1c h\u1ed9i th\u00ec v\u1eabn c\u00f2n l\u00e0 m\u1ed9t c\u00e2u h\u1ecfi. Ch\u00ednh v\u00ec th\u1ebf, c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c n\u00e0y \u0111ang ho\u1ea1t \u0111\u1ed9ng trong m\u1ed9t kho\u1ea3ng ch\u00e2n kh\u00f4ng v\u1ec1 ph\u00e1p l\u00fd, m\u00e0 t\u00f4i g\u1ecdi l\u00e0 Regulatory Vaccum. Ch\u00ednh v\u00ec kho\u1ea3ng ch\u00e2n kh\u00f4ng ph\u00e1p l\u00fd n\u00e0y m\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a B2Blanding ch\u01b0a \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd.<\/p>\n

T\u00f4i mong r\u1eb1ng, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd s\u1edbm ho\u00e0n th\u00e0nh d\u1ef1 th\u1ea3o, tr\u00ecnh Ch\u00ednh ph\u1ee7 \u0111\u1ec3 l\u0129nh v\u1ef1c n\u00e0y \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng ch\u00ednh th\u1ee9c v\u00e0 c\u00f3 chu\u1ea9n m\u1ef1c. Th\u00eam m\u1ed9t \u0111i\u1ec3m n\u1eefa l\u00e0 hi\u1ec7n nay c\u00e1c c\u00f4ng ty n\u00e0y ch\u01b0a \u0111\u01b0\u1ee3c tham gia v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh tham kh\u1ea3o t\u00edn d\u1ee5ng c\u1ee7a C\u00f4ng ty CIC c\u1ee7a NHNN.<\/p>\n

Nh\u01b0 ch\u00fang ta bi\u1ebft, C\u00f4ng ty CIC cung c\u1ea5p th\u00f4ng tin t\u00edn d\u1ee5ng cho c\u00e1c NH v\u00e0 c\u00e1c CTTC bao g\u1ed3m l\u1ecbch s\u1eed vay m\u01b0\u1ee3n cua m\u1ed9t c\u00e1 nh\u00e2n, doanh nghi\u1ec7p, t\u00ecnh h\u00ecnh tr\u1ea3 n\u1ee3… Nh\u1eefng th\u00f4ng tin n\u00e0y l\u00e0 r\u1ea5t quan tr\u1ecdng v\u1edbi c\u00e1c c\u00f4ng ty cho vay, bao g\u1ed3m c\u1ea3 c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c P2Planding. Nh\u01b0ng r\u1ea5t ti\u1ebfc c\u00e1c c\u00f4ng ty n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c tham d\u1ef1 CIC v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp l\u1ea5y th\u00f4ng tin, t\u1ea1o r\u1ee7i ro v\u1ec1 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi \u0111i vay.<\/p>\n

Ho\u1ea1t \u0111\u1ed9ng P2Planding \u0111ang ph\u00e1t tri\u1ec3n nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd. T\u00f4i mong n\u0103m 2020 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh ph\u00e1p ph\u00e1t \u0111\u1ec3 chia s\u1ebb th\u00eam. N\u1ebfu \u0111i\u1ec1u n\u00e0y x\u1ea3y ra, P2Planding l\u00e0 b\u1ed5 sung c\u1ea7n thi\u1ebft cho h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh v\u00ec nh\u1eefng c\u00f4ng ty n\u00e0y k\u1ebft n\u1ed1i \u0111\u01b0\u1ee3c ng\u01b0\u1eddi c\u00f3 ti\u1ec1n v\u00e0 nhu c\u1ea7u m\u00e0 kh\u00f4ng ph\u1ea3i th\u00f4ng qua trung gian t\u00e0i ch\u00ednh l\u00e0 NH v\u00e0 c\u00e1c CTTC.<\/p>\n

H\u1ed2NG KHANG<\/p>\n

Ba V\u00ec, H\u00e0 N\u1ed9i<\/p>\n

Khi nh\u1eafc \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n, ng\u01b0\u1eddi ta th\u01b0\u1eddng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn kh\u00e1i ni\u1ec7m \u201cvay c\u00f3 tr\u00e1ch nhi\u1ec7m\u201d, v\u00ec cho r\u1eb1ng b\u00ean \u0111i vay g\u1eafn li\u1ec1n v\u1edbi ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. Theo lu\u1eadt s\u01b0, tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi \u0111i vay l\u00e0 g\u00ec?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Kh\u00e1i ni\u1ec7m “vay c\u00f3 tr\u00e1ch nhi\u1ec7m” th\u01b0\u1eddng g\u1eafn li\u1ec1n v\u1edbi ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi \u0111i vay.<\/p>\n

Tr\u00e1ch nhi\u1ec7m ch\u1ee7 y\u1ebfu, quan tr\u1ecdng nh\u1ea5t c\u1ee7a ng\u01b0\u1eddi vay l\u00e0 ph\u1ea3i tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 \u0111\u00fang h\u1ea1n c\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0111i\u1ec1u 466 v\u1ec1 \u201cngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay\u201d, b\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015.<\/p>\n\n\n\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/p>\n

\"\"<\/p>\n

\u1ea2NH NG\u1eccC TH\u1eaeNG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

N\u1ebfu kh\u00f4ng tr\u1ea3 n\u1ee3 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 \u0111\u00fang h\u1ea1n th\u00ec ph\u1ea3i tr\u1ea3 l\u00e3i ch\u1eadm tr\u1ea3 theo th\u1ecfa thu\u1eadn v\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Ngo\u00e0i ra, ng\u01b0\u1eddi vay c\u00f3 ngh\u0129a v\u1ee5 s\u1eed d\u1ee5ng ti\u1ec1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch v\u00e0 ph\u1ea3i ch\u1ecbu s\u1ef1 ki\u1ec3m tra c\u1ee7a ng\u01b0\u1eddi cho vay v\u1ec1 vi\u1ec7c n\u00e0y.<\/p>\n

TH\u00c0NH PH\u01af\u01a0NG<\/p>\n

H\u00e0 N\u1ed9i<\/p>\n

Kh\u00e1ch h\u00e0ng hi\u1ec3u l\u00e0 \u0111i\u1ec3m t\u00edn d\u1ee5ng s\u1ebd t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ec1n l\u1ee3i vay ti\u00eau d\u00f9ng c\u1ee7a t\u00f4i. V\u1eady, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 theo d\u00f5i \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh v\u00e0 ng\u01b0\u1eddi th\u00e2n \u0111\u01b0\u1ee3c kh\u00f4ng? N\u1ebfu c\u00f3 t\u00f4i s\u1ebd tra c\u1ee9u th\u00f4ng tin n\u00e0y t\u1ea1i \u0111\u00e2u? Xin c\u1ea3m \u01a1n!<\/p>\n

\u00d4NG \u0110\u1ed6 HO\u00c0NG PHONG<\/p>\n

T\u1ed5ng gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng (CIC), Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

Theo quy \u0111\u1ecbnh, kh\u00e1ch h\u00e0ng vay \u0111\u01b0\u1ee3c khai th\u00e1c \u0111i\u1ec3m t\u00edn d\u1ee5ng\/B\u00e1o c\u00e1o t\u00edn d\u1ee5ng v\u1ec1 b\u1ea3n th\u00e2n mi\u1ec5n ph\u00ed 1 l\u1ea7n\/n\u0103m v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c khai th\u00e1c th\u00f4ng tin t\u00edn d\u1ee5ng c\u1ee7a c\u00e1 nh\u00e2n kh\u00e1c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 (kho\u1ea3n 5, 6 \u0111i\u1ec1u 10 Th\u00f4ng t\u01b0 03\/2013\/TT-NHNN).<\/p>\n

\u0110\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho kh\u00e1ch h\u00e0ng gi\u00e1m s\u00e1t th\u00f4ng tin t\u00edn d\u1ee5ng b\u1ea3n th\u00e2n, n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh, Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng (CIC) \u0111ang h\u1ed7 tr\u1ee3 cung c\u1ea5p mi\u1ec5n ph\u00ed ho\u00e0n to\u00e0n trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng khai th\u00e1c nhi\u1ec1u l\u1ea7n trong n\u0103m.<\/p>\n

\u0110\u1ec3 n\u1eafm b\u1eaft v\u1ec1 th\u00f4ng tin t\u00edn d\u1ee5ng c\u1ee7a ch\u00ednh m\u00ecnh, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 khai th\u00e1c \u0111i\u1ec3m t\u00edn d\u1ee5ng do CIC cung c\u1ea5p th\u00f4ng qua c\u00e1c h\u00ecnh th\u1ee9c khai th\u00e1c sau: khai th\u00e1c tr\u1ef1c tuy\u1ebfn qua C\u1ed5ng th\u00f4ng tin k\u1ebft n\u1ed1i kh\u00e1ch h\u00e0ng vay qua website: htttps:\/\/cic.gov.vn; ho\u1eb7c tr\u00ean \u1ee9ng d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh CIC Credit Connect.<\/p>\n

Kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 \u0111\u1ebfn tr\u1ee5 s\u1edf v\u00e0 chi nh\u00e1nh c\u1ee7a CIC t\u1ea1i H\u00e0 N\u1ed9i; ho\u1eb7c li\u00ean l\u1ea1c t\u1ed5ng \u0111\u00e0i s\u1ed1 19001082 \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3.<\/p>\n

V\u0168 PHONG<\/p>\n

Qu\u1ea3ng Ninh<\/p>\n

Xin h\u1ecfi lu\u1eadt s\u01b0, ph\u00e1p lu\u1eadt c\u00f3 nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 n\u00e0o \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111i vay c\u00f3 h\u00e0nh vi ti\u00eau c\u1ef1c nh\u01b0 ch\u00e2y \u00ec, tr\u1ed1n n\u1ee3, th\u1eadm ch\u00ed h\u00e0nh hung nh\u00e2n vi\u00ean thu h\u1ed3i n\u1ee3? N\u1ebfu nh\u01b0 kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3, ng\u01b0\u1eddi \u0111i vay s\u1ebd b\u1ecb quy \u0111\u1ecbnh b\u1edfi khung h\u00ecnh ph\u1ea1t nh\u01b0 th\u1ebf n\u00e0o?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Vi\u1ec7c ng\u01b0\u1eddi vay ch\u00e2y \u00ec, tr\u1ed1n tr\u00e1nh tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 th\u00ec s\u1ebd ph\u1ea3i ch\u1ecbu c\u00e1c h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd v\u00e0 kinh t\u1ebf k\u00e8m theo nh\u01b0: ph\u1ea3i tr\u1ea3 n\u1ee3 qu\u00e1 h\u1ea1n v\u1edbi l\u00e3i su\u1ea5t r\u1ea5t cao; b\u1ecb chuy\u1ec3n th\u00e0nh n\u1ee3 x\u1ea5u s\u1ebd kh\u00f3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn vay v\u1ed1n sau \u0111\u00f3; b\u1ecb thu gi\u1eef v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (n\u1ebfu c\u00f3); b\u1ecb kh\u1edfi ki\u1ec7n ra t\u00f2a \u00e1n ho\u1eb7c tr\u1ecdng t\u00e0i \u0111\u00f2i n\u1ee3; ph\u1ea3i tr\u1ea3 \u00e1n ph\u00ed, chi ph\u00ed li\u00ean quan…<\/p>\n

Th\u1eadm ch\u00ed, t\u00ecnh hu\u1ed1ng x\u1ea5u nh\u1ea5t l\u00e0 c\u00f3 th\u1ec3 b\u1ecb y\u00eau c\u1ea7u kh\u1edfi t\u1ed1 h\u00ecnh s\u1ef1 v\u1ec1 t\u1ed9i l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u 175 v\u1ec1 \u201ct\u1ed9i l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d, v\u1edbi m\u1ee9c h\u00ecnh ph\u1ea1t kh\u00f4ng giam gi\u1eef \u0111\u1ebfn 3 n\u0103m, ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 6 th\u00e1ng \u0111\u1ebfn m\u1ee9c t\u1ed1i \u0111a c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 20 n\u0103m t\u00f9, t\u00f9y theo s\u1ed1 ti\u1ec1n chi\u1ebfm \u0111o\u1ea1t.<\/p>\n

Ngo\u00e0i ra, n\u1ebfu c\u00f3 h\u00e0nh vi h\u00e0nh hung ho\u1eb7c h\u00e0nh vi b\u1ea5t h\u1ee3p ph\u00e1p kh\u00e1c x\u00e2m ph\u1ea1m \u0111\u1ebfn danh d\u1ef1, nh\u00e2n ph\u1ea9m, s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng c\u1ee7a ng\u01b0\u1eddi \u0111i vay ho\u1eb7c ng\u01b0\u1eddi kh\u00e1c, th\u00ec s\u1ebd b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh ho\u1eb7c h\u00ecnh s\u1ef1 v\u1ec1 c\u00e1c h\u00e0nh vi t\u01b0\u01a1ng \u1ee9ng.<\/p>\n

NGUY\u1ec4N MINH HO\u00c0N<\/p>\n

B\u1eafc Giang<\/p>\n

C\u00e1ch \u0111\u00e2y h\u01a1n 3 n\u0103m, t\u00f4i \u0111\u00e3 vay c\u1ee7a CTTC \u0111\u1ec3 gi\u1ea3i quy\u1ebft nhu c\u1ea7u chi ti\u00eau c\u00e1 nh\u00e2n, nh\u01b0ng hi\u1ec7n nay t\u00f4i c\u00f2n 7 th\u00e1ng n\u1eefa l\u00e0 h\u1ebft h\u1ee3p \u0111\u1ed3ng th\u00ec b\u1ecb m\u1ea5t vi\u1ec7c v\u00e0 m\u1ea5t thu nh\u1eadp n\u00ean kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y n\u00ean l\u00e0m th\u1ebf n\u00e0o?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u00e1c kho\u1ea3n vay theo th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng, d\u00f9 b\u1ecb m\u1ea5t vi\u1ec7c, m\u1ea5t thu nh\u1eadp hay kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n.<\/p>\n\n\n\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c tr\u1ea3 l\u1eddi \u0111\u1ed9c gi\u1ea3\u00a0Thanh Ni\u00ean<\/em><\/p>\n

\"\"<\/p>\n

\u1ea2NH NG\u1eccC TH\u1eaeNG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n, theo t\u00f4i, m\u1ed9t m\u1eb7t, b\u1ea1n c\u1ed1 g\u1eafng thu x\u1ebfp tr\u1ea3 n\u1ee3, m\u1eb7t kh\u00e1c, c\u1ea7n g\u1eedi \u0111\u01a1n \u0111\u1ec1 ngh\u1ecb CTTC xem x\u00e9t cho gia h\u1ea1n, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 v\u00e0 mi\u1ec5n gi\u1ea3m l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n.<\/p>\n

D\u01af\u01a0NG TH\u1eca MINH<\/p>\n

B\u00ecnh D\u01b0\u01a1ng<\/p>\n

T\u00f4i c\u00f3 nhu c\u1ea7u mua xe m\u00e1y v\u00e0 s\u1ebd d\u00f9ng d\u1ecbch v\u1ee5 vay tr\u1ea3 g\u00f3p c\u1ee7a CTTC, nh\u01b0ng t\u00f4i nghe n\u00f3i c\u1ea7n th\u1eadn tr\u1ecdng v\u1edbi h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng \u0111\u1ec3 tr\u00e1nh sau n\u00e0y ph\u00e1t sinh nhi\u1ec1u ph\u00ed ph\u1ea1t. V\u1eady cho h\u1ecfi, khi k\u00fd h\u1ee3p \u0111\u1ed3ng, t\u00f4i c\u1ea7n l\u01b0u \u00fd nh\u1eefng \u0111i\u1ec1u g\u00ec \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c c\u00e1c l\u1ee3i \u00edch t\u1eeb vi\u1ec7c d\u1ecbch v\u1ee5 cho vay mua s\u1ea3n ph\u1ea9m tr\u1ea3 g\u00f3p c\u1ee7a c\u00e1c CTTC?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Khi k\u00fd h\u1ee3p \u0111\u1ed3ng vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c CTTC, \u0111\u1ec3 tr\u00e1nh nh\u1eefng ph\u00e1t sinh v\u1ec1 sau, ng\u01b0\u1eddi vay c\u1ea7n l\u01b0u \u00fd m\u1ed9t s\u1ed1 \u0111i\u1ec3m sau \u0111\u00e2y:<\/p>\n

Ph\u1ea3i mua \u0111\u00fang s\u1ea3n ph\u1ea9m vay v\u1ed1n, tr\u00e1nh s\u1eed d\u1ee5ng ti\u1ec1n sai m\u1ee5c \u0111\u00edch th\u00ec s\u1ebd vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng, b\u1ecb thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n.<\/p>\n

X\u00e1c \u0111\u1ecbnh r\u00f5 m\u1ee9c l\u00e3i su\u1ea5t, c\u00e1c kho\u1ea3n ph\u00ed li\u00ean quan, nh\u1ea5t l\u00e0 s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p qu\u00e1 h\u1ea1n tr\u1ea3 n\u1ee3.<\/p>\n

Ph\u1ea3i tr\u1ea3 n\u1ee3 \u0111\u00fang k\u1ef3 h\u1ea1n, tr\u00e1nh \u0111\u1ec3 qu\u00e1 h\u1ea1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 qu\u00e1 h\u1ea1n qu\u00e1 90 ng\u00e0y s\u1ebd b\u1ecb chuy\u1ec3n th\u00e0nh n\u1ee3 x\u1ea5u.<\/p>\n

KH\u00c1NH HO\u00c0<\/p>\n

Cao B\u1eb1ng<\/p>\n

Xin cho bi\u1ebft, gi\u1ea3i ph\u00e1p \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng minh b\u1ea1ch, c\u00f4ng khai?<\/p>\n

\u00d4NG NGUY\u1ec4N TR\u1eccNG DU<\/p>\n

Ph\u00f3 ch\u00e1nh thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

Th\u00f4ng t\u01b0 s\u1ed1 18 do NNHH ban h\u00e0nh quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 tr\u00e1ch nhi\u1ec7m c\u1ee7a CTTC trong vi\u1ec7c tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh t\u1ea1i, t\u0103ng c\u01b0\u1eddng cho vay c\u00f3 tr\u00e1ch nhi\u1ec7m c\u1ee7a CTTC.<\/p>\n

C\u1ee5 th\u1ec3, CTCT ph\u1ea3i ni\u00eam y\u1ebft c\u00f4ng khai t\u1ea1i tr\u1ee5 s\u1edf, chi nh\u00e1nh, \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 v\u00e0 \u0111\u0103ng t\u1ea3i tr\u00ean trang th\u00f4ng tin \u0111i\u1ec7n t\u1eed c\u1ee7a CTTC c\u00e1c n\u1ed9i dung: khung l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng, c\u00e1c lo\u1ea1i ph\u00ed, ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i; c\u00e1c h\u00ecnh th\u1ee9c ti\u1ebfp nh\u1eadn g\u00f3p \u00fd, ph\u1ea3n \u00e1nh, khi\u1ebfu n\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a CTTC.<\/p>\n

\u0110\u1ed3ng th\u1eddi, CTTC ph\u1ea3i \u0111\u0103ng t\u1ea3i th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a CTTC, danh s\u00e1ch (t\u00ean, \u0111\u1ecba ch\u1ec9) \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5, nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft v\u1ec1 cho vay ti\u00eau d\u00f9ng, c\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p trong cho vay ti\u00eau d\u00f9ng tr\u00ean trang th\u00f4ng tin \u0111i\u1ec7n t\u1eed c\u1ee7a CTTC.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, CTTC ph\u1ea3i cung c\u1ea5p cho kh\u00e1ch h\u00e0ng d\u1ef1 th\u1ea3o h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng, gi\u1ea3i th\u00edch ch\u00ednh x\u00e1c, \u0111\u1ea7y \u0111\u1ee7, trung th\u1ef1c c\u00e1c n\u1ed9i dung c\u01a1 b\u1ea3n t\u1ea1i h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng, trong \u0111\u00f3 bao g\u1ed3m c\u1ea3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng; c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u00f4n \u0111\u1ed1c, thu h\u1ed3i n\u1ee3, bi\u1ec7n ph\u00e1p x\u1eed l\u00fd trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng v\u00e0 c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ty t\u00e0i ch\u00ednh cung c\u1ea5p th\u00f4ng tin theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n n\u00e0y, \u0111\u1ec3 kh\u00e1ch h\u00e0ng xem x\u00e9t, quy\u1ebft \u0111\u1ecbnh tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng cho vay.<\/p>\n

CTTC c\u0169ng ph\u1ea3i quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi qu\u1ea3n l\u00fd, ph\u1ee5 tr\u00e1ch \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 trong vi\u1ec7c b\u00e1o c\u00e1o, cung c\u1ea5p th\u00f4ng tin, t\u00e0i li\u1ec7u theo y\u00eau c\u1ea7u c\u1ee7a NHNN chi nh\u00e1nh t\u1ec9nh, th\u00e0nh ph\u1ed1 n\u01a1i c\u00f3 \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5.<\/p>\n

Th\u00f4ng t\u01b0 18 c\u0169ng quy \u0111\u1ecbnh CTTC c\u1ea7n th\u01b0\u1eddng xuy\u00ean r\u00e0 so\u00e1t, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng quy tr\u00ecnh tuy\u1ec3n d\u1ee5ng, \u0111\u00e1nh gi\u00e1 nh\u00e2n vi\u00ean, h\u1ea1n ch\u1ebf r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c; t\u1ed5 ch\u1ee9c t\u1eadp hu\u1ea5n, \u0111\u00e0o t\u1ea1o nghi\u1ec7p v\u1ee5, n\u00e2ng cao k\u1ef9 n\u0103ng, ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n kh\u00e1ch h\u00e0ng, \u00fd th\u1ee9c tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9, \u0111\u1ea1o \u0111\u1ee9c ngh\u1ec1 nghi\u1ec7p cho nh\u00e2n vi\u00ean…<\/p>\n

C\u00e1c CTCT ph\u1ea3i ph\u00e1t hi\u1ec7n k\u1ecbp th\u1eddi c\u00e1c b\u1ea5t c\u1eadp, h\u00e0nh vi c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m ph\u00e1p lu\u1eadt trong ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u00f4ng b\u00e1o, c\u1ea3nh b\u00e1o trong h\u1ec7 th\u1ed1ng \u0111\u1ec3 c\u00f3 bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba, h\u1ea1n ch\u1ebf r\u1ee7i ro, c\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt; x\u1eed l\u00fd ho\u1eb7c ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n x\u1eed l\u00fd c\u00e1c tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m ph\u00e1p lu\u1eadt, quy tr\u00ecnh, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 trong ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a kh\u00e1ch h\u00e0ng; c\u00f4ng b\u1ed1 c\u00f4ng khai trong n\u1ed9i b\u1ed9 vi\u1ec7c x\u1eed l\u00fd c\u00e1c vi ph\u1ea1m n\u00e0y.<\/p>\n

NGUY\u1ec4N V\u0102N B\u00ccNH<\/p>\n

Qu\u1ebf V\u00f5, B\u1eafc Ninh<\/p>\n

T\u00f4i c\u00f3 vay c\u1ee7a m\u1ed9t CTTC s\u1ed1 ti\u1ec1n 30 tri\u1ec7u \u0111\u1ed3ng, \u0111\u1ebfn th\u00e1ng 2.2020 t\u00f4i b\u1ecb m\u1ea5t vi\u1ec7c l\u00e0m n\u00ean k\u1ef3 g\u00f3p th\u00e1ng 2 t\u00f4i ch\u01b0a tr\u1ea3 \u0111\u01b0\u1ee3c ti\u1ec1n cho CTTC. T\u00ednh \u0111\u1ebfn ng\u00e0y h\u00f4m nay, t\u00f4i b\u1ecb tr\u1ec5 h\u1ea1n tr\u1ea3 ti\u1ec1n cho CTTC \u1edf c\u1ea3 2 h\u1ee3p \u0111\u1ed3ng l\u00e0 h\u01a1n 60 ng\u00e0y. Xin lu\u1eadt s\u01b0 cho t\u00f4i h\u1ecfi: trong tr\u01b0\u1eddng h\u1ee3p t\u00f4i ch\u1eadm tr\u1ea3 ti\u1ec1n v\u00e0 d\u1eabn \u0111\u1ebfn kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 ti\u1ec1n theo h\u1ee3p \u0111\u1ed3ng cho CTTC th\u00ec c\u00f3 b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 kh\u00f4ng?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

N\u1ebfu nh\u01b0 ng\u01b0\u1eddi \u0111i vay th\u1ef1c s\u1ef1 kh\u00f3 kh\u0103n kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec kh\u00f4ng ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1. Ng\u01b0\u1eddi vay ch\u1ec9 r\u01a1i v\u00e0o 1 trong 2 t\u00ecnh hu\u1ed1ng sau \u0111\u00e2y th\u00ec m\u1edbi b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u 175 v\u1ec1 \u201ct\u1ed9i l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n\u201d, b\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015:<\/p>\n

Th\u1ee9 nh\u1ea5t, \u201cd\u00f9ng th\u1ee7 \u0111o\u1ea1n gian d\u1ed1i ho\u1eb7c b\u1ecf tr\u1ed1n \u0111\u1ec3 chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n \u0111\u00f3, ho\u1eb7c \u0111\u1ebfn th\u1eddi h\u1ea1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n m\u1eb7c d\u00f9 c\u00f3 \u0111i\u1ec1u ki\u1ec7n, kh\u1ea3 n\u0103ng nh\u01b0ng c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3\u201d.<\/p>\n

Th\u1ee9 hai, \u201c\u0111\u00e3 s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n \u0111\u00f3 v\u00e0o m\u1ee5c \u0111\u00edch b\u1ea5t h\u1ee3p ph\u00e1p d\u1eabn \u0111\u1ebfn kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n\u201d.<\/p>\n

V\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee7a anh, anh n\u00ean vi\u1ebft \u0111\u01a1n xin xem x\u00e9t gia h\u1ea1n n\u1ee3 do \u0111i\u1ec1u ki\u1ec7n ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n, k\u00e8m theo c\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng minh nh\u01b0: th\u00f4ng b\u00e1o c\u00f4ng ty cho ngh\u1ec9 vi\u1ec7c, ti\u1ec1n l\u01b0\u01a1ng b\u1ecb suy gi\u1ea3m, ho\u1eb7c gi\u1ea5y t\u1edd li\u00ean quan… g\u1eedi \u0111\u1ebfn CTTC.<\/p>\n

NGUY\u1ec4N S\u0128<\/p>\n

L\u1ea1ng S\u01a1n<\/p>\n

T\u00f4i c\u00f3 nhu c\u1ea7u vay v\u1ed1n m\u1edf qu\u1ea7y b\u00e1n \u0111\u1ed3 \u0103n s\u00e1ng, sau khi nghi\u00ean c\u1ee9u th\u1ea5y l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c CTTC cao h\u01a1n ng\u00e2n h\u00e0ng, m\u00e0 t\u00f4i l\u1ea1i kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00ean kh\u00f4ng vay \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng. V\u1eady v\u00ec sao l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c CTTC l\u1ea1i cao v\u1eady?<\/p>\n

TS NGUY\u1ec4N TR\u00cd HI\u1ebeU<\/p>\n

chuy\u00ean gia t\u00e0i ch\u00ednh<\/p>\n

\u0110\u00e2y l\u00e0 m\u1ed9t c\u00e2u h\u1ecfi m\u00e0 t\u00f4i \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi h\u00e0ng ch\u1ee5c n\u0103m nay, r\u1ea5t l\u00fd th\u00fa: t\u1ea1i sao l\u00e3i su\u1ea5t c\u1ee7a nh\u1eefng CTTC l\u1ea1i cao h\u01a1n ng\u00e2n h\u00e0ng nhi\u1ec1u? T\u00f4i t\u00ecm c\u00e1ch tr\u1ea3 l\u1eddi nh\u01b0 sau:<\/p>\n

Th\u1ee9 nh\u1ea5t, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 nh\u1eefng \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh kinh doanh tr\u00ean nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd r\u1ee7i ro, kh\u00f4ng ch\u1ea5p nh\u1eadn nh\u1eefng giao d\u1ecbch c\u00f3 r\u1ee7i ro m\u1ea5t v\u1ed1n. V\u00e0 ch\u1ec9 th\u1ef1c hi\u1ec7n nh\u1eefng giao d\u1ecbch mang t\u00ednh an to\u00e0n, v\u00ec th\u1ebf, l\u00e3i su\u1ea5t c\u0169ng \u1edf m\u1ee9c th\u1ea5p t\u01b0\u01a1ng x\u1ee9ng v\u1edbi m\u1ee9c \u0111\u1ed9 r\u1ee7i ro th\u1ea5p. C\u00f2n \u0111\u1ed1i v\u1edbi c\u00e1c CTTC, h\u1ecd ch\u1ea5p nh\u1eadn m\u1ee9c r\u1ee7i ro cao, v\u00ec th\u1ebf l\u00e3i su\u1ea5t c\u0169ng cao.<\/p>\n\n\n\n
Chuy\u00ean gia t\u00e0i ch\u00ednh Nguy\u1ec5n Tr\u00ed Hi\u1ebfu<\/p>\n

\"\"<\/p>\n

\u1ea2NH NG\u1eccC TH\u1eaeNG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u00f4i l\u1ea5y 1 v\u00ed d\u1ee5, m\u1ed9t ng\u00e2n h\u00e0ng cho vay v\u1edbi bi\u00ean \u0111\u1ed9 l\u1ee3i nhu\u1eadn kho\u1ea3ng 2% (l\u00e3i su\u1ea5t cho vay tr\u1eeb l\u00e3i su\u1ea5t huy \u0111\u1ed9ng). V\u1edbi bi\u00ean \u0111\u1ed9 l\u1ee3i nhu\u1eadn 2%, th\u00ec khi ng\u00e2n h\u00e0ng m\u1ea5t v\u1ed1n v\u1edbi 1 kh\u00e1ch h\u00e0ng, h\u1ecd c\u1ea7n ph\u1ea3i c\u00f3 50 kh\u00e1ch h\u00e0ng m\u1edbi kh\u00e1c v\u00e0 m\u1ed7i kh\u00e1ch h\u00e0ng cho bi\u00ean \u0111\u1ed9 t\u1ef7 l\u1ec7 l\u1ee3i nhu\u1eadn 2% \u0111\u1ec3 b\u00f9 tr\u1eeb s\u1ed1 ti\u1ec1n m\u1ea5t v\u1ed1n 100%.<\/p>\n

C\u00f2n \u0111\u1ed1i v\u1edbi CTTC, r\u1ee7i ro r\u1ea5t cao v\u00e0 c\u00e1c CTTC c\u00f3 th\u1ec3 c\u00f3 t\u1ef7 l\u1ec7 l\u1ee3i nhu\u1eadn l\u00ean \u0111\u1ebfn 20%. C\u00f3 ngh\u0129a r\u1eb1ng, 1 CTTC khi cho vay m\u00e0 m\u1ea5t v\u1ed1n 100% th\u00ec h\u1ecd ch\u1ec9 c\u1ea7n 5 kh\u00e1ch h\u00e0ng m\u1edbi, m\u1ed7i kh\u00e1ch h\u00e0ng cho h\u1ecd 1 l\u1ee3i nhu\u1eadn 20% \u0111\u1ec3 b\u00f9 l\u1ed7. V\u00ed d\u1ee5 n\u00e0y cho th\u1ea5y, r\u00f5 r\u00e0ng ng\u00e2n h\u00e0ng cho vay v\u1edbi \u0111\u1ed9 r\u1ee7i ro th\u1ea5p v\u00e0 c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p, v\u00ec x\u00e1c su\u1ea5t m\u1ea5t v\u1ed1n r\u1ea5t th\u1ea5p. Trong khi CTTC \u0111\u1ed9 r\u1ee7i ro cao, c\u00e1c kh\u00e1ch h\u00e0ng ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro v\u00e0 do \u0111\u00f3 l\u00e3i su\u1ea5t ph\u1ea3i r\u1ea5t cao \u0111\u1ec3 l\u1ea5y l\u1ea1i v\u1ed1n ch\u1ec9 v\u1edbi 1 v\u00e0i kh\u00e1ch h\u00e0ng m\u1edbi.<\/p>\n

Th\u1ee9 2, c\u00e1c CTTC cho vay nh\u1eefng m\u00f3n r\u1ea5t nh\u1ecf c\u00f3 th\u1ec3 t\u1eeb v\u00e0i tri\u1ec7u g\u1ecdi l\u00e0 cho vay ti\u00eau d\u00f9ng, bao g\u1ed3m \u0111\u1ec3 mua \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng, xe m\u00e1y v\u00e0 chi tr\u1ea3 sinh ho\u1ea1t. Ch\u00ednh v\u00ec nh\u1eefng m\u00f3n vay nh\u1ecf n\u00e0y, l\u00e3i su\u1ea5t ph\u1ea3i r\u1ea5t cao, \u0111\u1ec3 c\u00f3 l\u1ee3i nhu\u1eadn. C\u00f2n c\u00e1c NH, m\u00f3n vay l\u1edbn h\u01a1n nhi\u1ec1u, v\u00ec th\u1ebf l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 th\u1ea5p cho m\u1ed7i m\u00f3n vay, nh\u01b0ng d\u01b0 n\u1ee3 m\u1ed7i m\u00f3n r\u1ea5t l\u1edbn v\u00e0 NH c\u00f3 nhi\u1ec1u kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p v\u1edbi nhu c\u1ea7u t\u00edn d\u1ee5ng l\u00ean \u0111\u1ebfn h\u00e0ng t\u1ec9 \u0111\u1ed3ng. Ch\u00ednh v\u00ec th\u1ebf, l\u00e3i su\u1ea5t c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 r\u1ea5t h\u1ea1, v\u00ec h\u1ecd ki\u1ebfm l\u1eddi t\u1eeb nh\u1eefng m\u00f3n cho vay r\u1ea5t l\u1edbn.<\/p>\n

Nh\u01b0 th\u1ebf, c\u00e1c CTTC \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u vay ti\u00eau d\u00f9ng nhi\u1ec1u h\u01a1n so v\u1edbi c\u00e1c NH. \u1ede M\u1ef9, c\u00e1c NH kh\u00f4ng cho vay ti\u00eau d\u00f9ng ch\u1ec9 tr\u1eeb m\u1ed9t v\u00e0i NH chuy\u00ean v\u1ec1 ti\u00eau d\u00f9ng nh\u01b0 Citibank. Cho vay ti\u00eau d\u00f9ng t\u1ea1i M\u1ef9 l\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c CTTC, trong khi t\u1ea1i Vi\u1ec7t Nam, c\u00e1c NH l\u1edbn b\u00e9 \u0111\u1ec1u c\u00f3 ch\u01b0\u01a1ng tr\u00ecnh cho vay ti\u00eau d\u00f9ng, nh\u01b0ng nh\u1eefng m\u00f3n cho vay c\u0169ng t\u01b0\u01a1ng \u0111\u1ed1i l\u1edbn. Nh\u1eefng m\u00f3n cho vay ti\u00eau d\u00f9ng nh\u1ecf l\u1ebb v\u00e0i tri\u1ec7u \u0111\u1ed3ng kh\u00f4ng ph\u1ea3i l\u00e0 th\u1ef1c \u0111\u01a1n c\u1ee7a c\u00e1c NH.<\/p>\n

S\u1ef8 H\u1ea2I<\/p>\n

B\u1eafc Giang<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng t\u1eebng vay ti\u1ec1n m\u1eb7t t\u1ea1i m\u1ed9t CTTC, nh\u01b0ng do m\u1ed9t th\u1eddi gian kh\u00f3 kh\u0103n n\u00ean kh\u00e1ch h\u00e0ng tr\u1ea3 ch\u1eadm so v\u1edbi ng\u00e0y ghi trong h\u1ee3p \u0111\u1ed3ng. Nh\u01b0 v\u1eady, \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00f3 c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng kh\u00f4ng? N\u1ebfu c\u00f3, mong NHNN c\u00f3 th\u1ec3 t\u01b0 v\u1ea5n gi\u00fap t\u00f4i l\u00e0m nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 c\u1ea3i thi\u1ec7n \u0111i\u1ec3m t\u00edn d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p tr\u00ean?<\/p>\n

\u00d4NG \u0110\u1ed6 HO\u00c0NG PHONG<\/p>\n

T\u1ed5ng gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng (CIC), Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

Khi kh\u00e1ch h\u00e0ng ch\u1eadm thanh to\u00e1n kho\u1ea3n vay, l\u1ecbch s\u1eed ch\u1eadm thanh to\u00e1n s\u1ebd \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u1ea1i. Do v\u1eady, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng \u0111\u00f3 s\u1ebd c\u00f3 \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng.<\/p>\n

Ch\u00ednh v\u00ec v\u1eady, \u0111\u1ec3 c\u1ea3i thi\u1ec7n v\u00e0 duy tr\u00ec \u0111i\u1ec3m t\u00edn d\u1ee5ng \u1edf m\u1ee9c cao, kh\u00e1ch h\u00e0ng c\u1ea7n t\u1ea1o th\u00f3i quen ki\u1ec3m so\u00e1t kho\u1ea3n vay, kho\u1ea3n chi ti\u00eau c\u1ee7a m\u00ecnh th\u01b0\u1eddng xuy\u00ean, \u0111\u1ea3m b\u1ea3o thanh to\u00e1n \u0111\u00fang h\u1ea1n \u0111\u1ec3 tr\u00e1nh ph\u00e1t sinh n\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 x\u1ea5u.<\/p>\n

\u0110\u1eb7c bi\u1ec7t l\u01b0u \u00fd ch\u1ec9 vay ng\u00e2n h\u00e0ng v\u00e0 m\u1edf th\u00eam th\u1ebb t\u00edn d\u1ee5ng khi c\u1ea7n thi\u1ebft; n\u00ean duy tr\u00ec d\u01b0 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng \u1edf m\u1ee9c v\u1eeba ph\u1ea3i so v\u1edbi h\u1ea1n m\u1ee9c; qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd gi\u1ea5y t\u1edd c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh, gi\u1ea3m thi\u1ec3u c\u00e1c nguy c\u01a1 b\u1ecb \u0111\u00e1nh c\u1eafp danh t\u00ednh, gi\u1ea5y t\u1edd c\u00e1 nh\u00e2n v\u00e0 ph\u00e1t sinh c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u ngo\u00e0i \u00fd mu\u1ed1n, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng.<\/p>\n

Ngo\u00e0i ra, kh\u00e1ch h\u00e0ng c\u1ea7n th\u1ef1c hi\u1ec7n ki\u1ec3m tra \u0111i\u1ec3m t\u00edn d\u1ee5ng th\u01b0\u1eddng xuy\u00ean \u0111\u1ec3 h\u1ea1n ch\u1ebf sai s\u00f3t d\u1eef li\u1ec7u th\u00f4ng tin t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n.<\/p>\n

TR\u1ea6N TH\u1eca D\u01af<\/p>\n

Qu\u1ed1c Oai, H\u00e0 N\u1ed9i<\/p>\n

C\u00e1ch \u0111\u00e2y 1 n\u0103m, t\u00f4i \u0111ang r\u01a1i v\u00e0o t\u00ecnh th\u1ebf b\u1ecb m\u1ea5t th\u1ebb c\u0103n c\u01b0\u1edbc t\u00ecm kh\u00f4ng th\u1ea5y n\u00ean \u0111\u00e3 l\u00e0m l\u1ea1i th\u1ebb c\u0103n c\u01b0\u1edbc m\u1edbi. \u0110\u1ebfn nay, t\u00f4i bi\u1ebft \u0111\u01b0\u1ee3c m\u1ed9t \u0111\u1ed3ng nghi\u1ec7p c\u1ee7a m\u00ecnh \u0111\u00e3 d\u00f9ng th\u1ebb c\u0103n c\u01b0\u1edbc t\u00f4i \u0111\u00e1nh m\u1ea5t \u0111\u00f3 \u0111\u1ec3 vay ti\u1ec1n c\u1ee7a CTTC. Hi\u1ec7n t\u1ea1i, CTTC kh\u00f4ng li\u00ean l\u1ea1c kh\u00f4ng \u0111\u01b0\u1ee3c v\u1edbi s\u1ed1 \u0111i\u1ec7n tho\u1ea1i ch\u1ee7 nh\u00e2n vay n\u1ee3 \u0111\u00e3 ghi trong h\u1ee3p \u0111\u1ed3ng n\u00ean \u0111\u00e3 g\u1eedi gi\u1ea5y \u0111\u00f2i n\u1ee3 t\u1edbi qu\u00ea t\u00f4i th\u00f4ng qua ch\u1ee9ng minh nh\u00e2n d\u00e2n c\u1ee7a t\u00f4i. Xin h\u1ecfi, v\u1eady t\u00f4i c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng g\u00ec kh\u00f4ng, c\u00f3 ph\u1ea3i tr\u1ea3 n\u1ee3 s\u1ed1 ti\u1ec1n vay m\u00e0 m\u00ecnh kh\u00f4ng h\u1ec1 hay bi\u1ebft?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Vi\u1ec7c cho vay c\u1ee7a CTTC nh\u01b0 v\u1eady l\u00e0 sai, v\u00ec kh\u00f4ng \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng. B\u1ea1n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 m\u00e0 m\u00ecnh kh\u00f4ng h\u1ec1 vay.<\/p>\n

Tuy nhi\u00ean, b\u1ea1n c\u00f3 th\u1ec3 g\u1eb7p r\u1eafc r\u1ed1i v\u00ec t\u1ea1m th\u1eddi b\u1ecb g\u1eafn t\u00ean v\u1edbi kho\u1ea3n n\u1ee3, nh\u1ea5t l\u00e0 khi \u0111\u00f3 l\u00e0 n\u1ee3 x\u1ea5u th\u00ec s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u1ecbch s\u1eed t\u00edn d\u1ee5ng.<\/p>\n

V\u00ec v\u1eady, b\u1ea1n c\u1ea7n \u0111\u1ec1 ngh\u1ecb CTTC s\u1eeda ch\u1eefa sai l\u1ea7m, lo\u1ea1i b\u1ecf t\u00ean b\u1ea1n ra kh\u1ecfi kho\u1ea3n vay.<\/p>\n

B\u1eaeC B\u00ccNH<\/p>\n

H\u00e0 Nam<\/p>\n

T\u00f4i c\u00f3 \u00fd \u0111\u1ecbnh vay ti\u1ec1n c\u1ee7a c\u00e1c CTTC \u0111\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u chi ti\u00eau c\u00e1 nh\u00e2n v\u00ec th\u1eddi gian duy\u1ec7t vay r\u1ea5t nhanh. V\u1eady t\u00f4i c\u1ea7n \u0111\u1ecdc quy \u0111\u1ecbnh n\u00e0o li\u00ean quan t\u1edbi vay ti\u00eau d\u00f9ng \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng h\u01a1n trong vi\u1ec7c vay ti\u1ec1n CTTC?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Tr\u01b0\u1edbc khi c\u00f3 \u00fd \u0111\u1ecbnh vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c CTTC, ng\u01b0\u1eddi vay c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c th\u1ee7 t\u1ee5c vay v\u1ed1n v\u00e0 c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1\u00a043\/2016\/TT-NHNN ng\u00e0y 30.12.2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN; \u201cQuy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh\u201d \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 18\/2019\/TT-NHNN ng\u00e0y 4.11.2019.<\/p>\n

Trong Th\u00f4ng t\u01b0 n\u00e0y, ng\u01b0\u1eddi vay t\u00ecm hi\u1ec3u k\u1ef9 \u0111i\u1ec1u 10 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng\u201d, c\u00f3 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t nh\u01b0 sau: \u201cL\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng theo th\u1ecfa thu\u1eadn va\u0300 m\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng quy \u0111\u1ed5i theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m\/n\u0103m (1 n\u0103m l\u00e0 365 ng\u00e0y) t\u00ednh theo s\u1ed1 d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf v\u00e0 th\u1eddi gian duy tr\u00ec s\u1ed1 d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf \u0111\u00f3; nguy\u00ean t\u1eafc v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t, th\u1eddi \u0111i\u1ec3m x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cho vay c\u00f3 \u0111i\u1ec1u ch\u1ec9nh; l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi d\u01b0 n\u1ee3 g\u1ed1c b\u1ecb qu\u00e1 h\u1ea1n; l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi l\u00e3i ch\u1eadm tr\u1ea3; ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i ti\u1ec1n vay; lo\u1ea1i ph\u00ed v\u00e0 m\u1ee9c ph\u00ed \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kho\u1ea3n vay<\/em>\u201d.<\/p>\n

THU HO\u00c0I<\/p>\n

C\u1ea7n Th\u01a1<\/p>\n

\u00d4ng c\u00f3 nh\u1eadn \u0111\u1ecbnh g\u00ec v\u1ec1 th\u00f3i quen trong h\u00e0nh vi vay – tr\u1ea3 c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t Nam?<\/p>\n

TS NGUY\u1ec4N TR\u00cd HI\u1ebeU<\/p>\n

chuy\u00ean gia t\u00e0i ch\u00ednh<\/p>\n

Ph\u1ea7n \u0111\u00f4ng ng\u01b0\u1eddi \u0111i vay Vi\u1ec7t Nam \u0111\u1ec1u c\u00f3 \u00fd th\u1ee9c tr\u1ea3 n\u1ee3 m\u1ed9t c\u00e1ch tr\u00e1ch nhi\u1ec7m. Ph\u1ea7n l\u1edbn nh\u1eefng ng\u01b0\u1eddi \u0111i vay \u0111\u1ec1u mang tinh th\u1ea7n c\u00f4ng b\u1eb1ng, x\u00e3 h\u1ed9i c\u00f3 vay c\u00f3 tr\u1ea3 v\u00e0 th\u00f4ng th\u01b0\u1eddng kh\u00f4ng ai mu\u1ed1n tr\u1ed1n n\u1ee3 v\u00e0 x\u00f9 n\u1ee3.<\/p>\n

Tuy nhi\u00ean, m\u1ed9t thi\u1ec3u s\u1ed1 ng\u01b0\u1eddi d\u00e2n khi g\u1eb7p kh\u00f3 kh\u0103n th\u00ec c\u00f3 th\u1ec3 t\u00ecm nh\u1eefng bi\u1ec7n ph\u00e1p \u0111\u1ec3 ch\u00e2y \u00ec n\u1ee3, x\u00f9 n\u1ee3.<\/p>\n

T\u00f4i quan s\u00e1t trong 10 n\u0103m v\u1eeba qua khi v\u1ec1 l\u00e0m vi\u1ec7c t\u1ea1i Vi\u1ec7t Nam, v\u1edbi m\u1ed9t b\u1ed9 ph\u1eadn n\u00e0o \u0111\u00f3 trong x\u00e3 h\u1ed9i, t\u00ednh tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt ch\u01b0a cao. T\u00ednh tu\u00e2n th\u1ee7 nh\u1eefng cam k\u1ebft v\u1edbi c\u00e1c th\u00e0nh ph\u1ea7n kh\u00e1c trong x\u00e3 h\u1ed9i c\u00f2n th\u1ea5p. Nh\u1eefng th\u00e0nh ph\u1ea7n n\u00e0y \u0111\u00e3 l\u00e0m t\u1ed5n th\u01b0\u01a1ng uy t\u00edn c\u1ee7a \u0111\u1ea1i b\u1ed9 ph\u1eadn ng\u01b0\u1eddi d\u00e2n.<\/p>\n

Ch\u00ednh v\u00ec th\u1ebf, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 m\u1ed9t ng\u01b0\u1eddi \u0111\u00e3 l\u00e0m vi\u1ec7c trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh nhi\u1ec1u n\u0103m, t\u00f4i mong m\u1ecfi m\u1ecdi ng\u01b0\u1eddi n\u00e2ng cao tinh th\u1ea7n tr\u00e1ch nhi\u1ec7m v\u1edbi to\u00e0n th\u1ec3 x\u00e3 h\u1ed9i, tr\u00e1ch nhi\u1ec7m v\u1edbi ng\u01b0\u1eddi \u0111\u00e3 cho m\u00ecnh vay, tr\u00ean nguy\u00ean t\u1eafc c\u00f4ng b\u1eb1ng v\u00e0 nh\u00e2n \u0111\u1ea1o.<\/p>\n

H\u1ea2I LONG<\/p>\n

C\u1ea7n Th\u01a1<\/p>\n

Vi\u1ec7c quy\u1ebft \u0111\u1ecbnh gi\u1ea3i ng\u00e2n c\u1ee7a c\u00e1c TCTD c\u0103n c\u1ee9 r\u1ea5t nhi\u1ec1u v\u00e0o \u201c\u0111i\u1ec3m t\u00edn d\u1ee5ng\u201d v\u00e0 \u201ch\u1ed3 s\u01a1 t\u00edn d\u1ee5ng\u201d. \u00d4ng c\u00f3 th\u1ec3 gi\u1ea3i th\u00edch r\u00f5 \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ch\u1ea5m d\u1ef1a tr\u00ean nh\u1eefng ti\u00eau ch\u00ed n\u00e0o?<\/p>\n

\u00d4NG \u0110\u1ed6 HO\u00c0NG PHONG<\/p>\n

T\u1ed5ng gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng (CIC), Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

\u0110i\u1ec3m t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t \u0111i\u1ec3m s\u1ed1 do m\u1ed9t c\u01a1 quan th\u00f4ng tin t\u00edn d\u1ee5ng \u0111\u1ed9c l\u1eadp ho\u1eb7c c\u00e1c TCTD ch\u1ea5m \u0111i\u1ec3m d\u1ef1a v\u00e0o l\u1ecbch s\u1eed t\u00edn d\u1ee5ng v\u00e0 c\u00e1c th\u00f4ng tin kh\u00e1c c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

\u0110i\u1ec3m t\u00edn d\u1ee5ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u00e1c TCTD s\u1eed d\u1ee5ng \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng trong t\u01b0\u01a1ng lai.<\/p>\n

\u0110i\u1ec3m s\u1ed1 c\u00e0ng cao, m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u00e0ng cao, kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u0103ng l\u00ean.<\/p>\n

V\u00ec v\u1eady, c\u00e1c TCTD c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111i\u1ec3m t\u00edn d\u1ee5ng \u0111\u1ec3 ra quy\u1ebft \u0111\u1ecbnh t\u00edn d\u1ee5ng, x\u00e1c \u0111\u1ecbnh h\u1ea1n m\u1ee9c, l\u00e3i su\u1ea5t, th\u1eddi h\u1ea1n\u2026 c\u1ee7a kho\u1ea3n vay c\u1ea5p cho kh\u00e1ch h\u00e0ng.<\/p>\n

Th\u00f4ng tin ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 t\u00ednh to\u00e1n \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n bao g\u1ed3m: th\u00f4ng tin \u0111\u1ecbnh danh (\u0111\u1ed9 tu\u1ed5i, ngh\u1ec1 nghi\u1ec7p, n\u01a1i c\u01b0 tr\u00fa, tr\u00ecnh \u0111\u1ed9\u2026); s\u1ed1 l\u01b0\u1ee3ng v\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n t\u00edn d\u1ee5ng b\u1ea1n c\u00f3 (c\u00e1c kho\u1ea3n vay th\u00f4ng th\u01b0\u1eddng nh\u01b0 vay mua nh\u00e0, mua xe, vay ti\u00eau d\u00f9ng,\u2026 th\u1ebb t\u00edn d\u1ee5ng\u2026); d\u01b0 n\u1ee3 v\u00e0 t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng hi\u1ec7n t\u1ea1i; l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3, thanh to\u00e1n; th\u1eddi gian quan h\u1ec7 t\u00edn d\u1ee5ng; th\u00f4ng tin c\u00f3 li\u00ean quan kh\u00e1c; l\u1ecbch s\u1eed tra c\u1ee9u th\u00f4ng tin v\u1ec1 b\u1ea1n.<\/p>\n

XU\u00c2N QUANG<\/p>\n

Thanh H\u00f3a<\/p>\n

Xin \u00f4ng cho bi\u1ebft, ng\u01b0\u1eddi \u0111i vay n\u00ean ch\u00fa \u00fd nh\u1eefng \u0111i\u1ec1u g\u00ec khi quy\u1ebft \u0111\u1ecbnh vay ti\u1ec1n c\u1ee7a c\u00e1c CTTC?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

Khi vay ti\u1ec1n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, ng\u01b0\u1eddi \u0111i vay ph\u1ea3i ch\u00fa \u00fd nh\u1eefng v\u1ea5n \u0111\u1ec1 sau:<\/p>\n

– L\u00e3i su\u1ea5t v\u00e0 ph\u00ed c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1 cao so v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

– Ng\u01b0\u1eddi vay ph\u1ea3i ch\u1ea5p nh\u1eadn nhi\u1ec1u r\u00e0ng bu\u1ed9c c\u1ee7a h\u1ee3p \u0111\u1ed3ng do kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o.<\/p>\n

– Ngo\u00e0i ra, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u00fac \u00e9p kh\u00e1ch h\u00e0ng tr\u1ea3 n\u1ee3 kh\u00e1 c\u0103ng th\u1eb3ng.<\/p>\n\n\n\n
Cho vay ti\u00eau d\u00f9ng \u0111ang ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn v\u00e0 ti\u1ec7n l\u1ee3i<\/p>\n

\"\"<\/p>\n

\u1ea2NH NG\u1eccC TH\u1eaeNG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u00ec v\u1eady, ng\u01b0\u1eddi vay c\u1ea7n th\u1eadn tr\u1ecdng khi quy\u1ebft \u0111\u1ecbnh vay ti\u1ec1n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, nh\u1ea5t l\u00e0 nh\u1eefng kho\u1ea3n vay l\u1edbn m\u00e0 kh\u00f3 c\u00f3 ngu\u1ed3n tr\u1ea3 n\u1ee3 nh\u01b0 l\u00e0 mua nh\u00e0, mua xe \u00f4 t\u00f4…v\u00e0 nh\u1eefng kho\u1ea3n vay kh\u00f4ng th\u1eadt s\u1ef1 c\u1ea7n thi\u1ebft, c\u1ea5p b\u00e1ch.<\/p>\n

C\u00f2n n\u1ebfu vay \u0111\u1ec3 mua s\u1eafm \u0111\u1ed3 gia d\u1ee5ng trong gia \u0111\u00ecnh v\u1edbi s\u1ed1 ti\u1ec1n kh\u00f4ng qu\u00e1 l\u1edbn th\u00ec kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 vay t\u1eeb c\u00e1c CTTC.<\/p>\n

\u0110\u1eaeC LAM<\/p>\n

Long An<\/p>\n

Nhi\u1ec1u ng\u01b0\u1eddi trong x\u00e3 h\u1ed9i c\u00f3 g\u00f3c nh\u00ecn phi\u1ebfn di\u1ec7n, \u201c\u00e1c c\u1ea3m\u201d v\u1edbi c\u00e1c CTTC, TCTD trong c\u00f4ng t\u00e1c thu h\u1ed3i n\u1ee3. Tuy nhi\u00ean, th\u1ef1c t\u1ebf ghi nh\u1eadn r\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p CTTC g\u1eb7p ph\u1ea3i ng\u01b0\u1eddi ch\u00e2y \u00ec, tr\u1ed1n n\u1ee3, v\u1ee9t b\u1ecf sim \u0111i\u1ec7n tho\u1ea1i, tr\u1ed1n kh\u1ecfi n\u01a1i c\u01b0 tr\u00fa, th\u1eadm ch\u00ed h\u00e0nh hung nh\u00e2n vi\u00ean thu h\u1ed3i n\u1ee3. Theo \u00f4ng, \u0111\u00e2y c\u00f3 ph\u1ea3i l\u00e0 r\u00e0o c\u1ea3n l\u1edbn nh\u1ea5t cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c CTTC kh\u00f4ng?<\/p>\n

TS NGUY\u1ec4N TR\u00cd HI\u1ebeU<\/p>\n

chuy\u00ean gia t\u00e0i ch\u00ednh<\/p>\n

V\u1edbi c\u00e1c CTTC truy\u1ec1n th\u1ed1ng, vi\u1ec7c thu h\u1ed3i n\u1ee3 ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo lu\u1eadt \u0111\u1ecbnh v\u00e0 th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf.<\/p>\n

C\u1ee5 th\u1ec3, c\u00e1c TCTD ch\u1ec9 c\u00f3 th\u1ec3 g\u1ecdi \u0111i\u1ec7n trong nh\u1eefng gi\u1edd nh\u1ea5t \u0111\u1ecbnh, kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p g\u1ecdi v\u00e0o \u0111\u00eam khi m\u1ecdi ng\u01b0\u1eddi c\u1ea7n s\u1ef1 ngh\u1ec9 ng\u01a1i, ng\u00e0y cu\u1ed1i tu\u1ea7n. Kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p g\u1ecdi cho ng\u01b0\u1eddi th\u00e2n c\u1ee7a ng\u01b0\u1eddi \u0111i vay \u0111\u1ec3 l\u00e0m phi\u1ec1n, t\u1ea1o \u00e1p l\u1ef1c cho ng\u01b0\u1eddi \u0111i vay.<\/p>\n

T\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y, khi m\u1ed9t s\u1ed1 ng\u01b0\u1eddi d\u00e2n m\u1ea5t vi\u1ec7c l\u00e0m, thu nh\u1eadp suy gi\u1ea3m th\u00ec kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u0169ng xu\u1ed1ng th\u1ea5p.<\/p>\n

\u0110u\u0301ng la\u0300 xa\u0303 ho\u0323\u0302i cu\u0303ng \u0111a\u0303 xua\u0302\u0301t hie\u0323\u0302n mo\u0323\u0302t so\u0302\u0301 tru\u031bo\u031b\u0300ng ho\u031b\u0323p ngu\u031bo\u031b\u0300i \u0111i vay thie\u0302\u0301u tra\u0301ch nhie\u0323\u0302m trong vie\u0323\u0302c vay mu\u031bo\u031b\u0323n, chu\u031b\u0301 kho\u0302ng chi\u0309 du\u031b\u0300ng o\u031b\u0309 vie\u0323\u0302c thie\u0302\u0301u tra\u0301ch nhie\u0323\u0302m trong vie\u0323\u0302c tra\u0309 no\u031b\u0323.<\/p>\n

Mo\u0323\u0302t pha\u0302\u0300n nguye\u0302n nha\u0302n la\u0300 do hie\u0302\u0309u bie\u0302\u0301t ve\u0302\u0300 ta\u0300i chi\u0301nh cu\u0309a ngu\u031bo\u031b\u0300i da\u0302n co\u0300n ha\u0323n che\u0302\u0301, ra\u0302\u0301t nhie\u0302\u0300u ngu\u031bo\u031b\u0300i kho\u0302ng co\u0301 kie\u0302\u0301n thu\u031b\u0301c co\u031b ba\u0309n ve\u0302\u0300 ta\u0300i chi\u0301nh ca\u0301 nha\u0302n, da\u0302\u0303n \u0111e\u0302\u0301n vie\u0323\u0302c xa\u0302y du\u031b\u0323ng va\u0300 thu\u031b\u0323c thi ke\u0302\u0301 hoa\u0323ch chi tie\u0302u tu\u031b\u0300 nga\u0306\u0301n ha\u0323n cho \u0111e\u0302\u0301n trung da\u0300i ha\u0323n kho\u0302ng co\u0301, khie\u0302\u0301n vie\u0323\u0302c vay mu\u031bo\u031b\u0323n nga\u0302\u0303u hu\u031b\u0301ng, vay mu\u031bo\u031b\u0323n ma\u0300 kho\u0302ng co\u0301 ke\u0302\u0301 hoa\u0323ch tra\u0309 no\u031b\u0323, kho\u0302ng ti\u0301nh \u0111e\u0302\u0301n tru\u031bo\u031b\u0300ng ho\u031b\u0323p xa\u0302\u0301u nha\u0302\u0301t la\u0300 vo\u031b\u0303 no\u031b\u0323 se\u0303 ra sao\u2026<\/p>\n

\u0110ie\u0302\u0300u na\u0300y da\u0302\u0303n \u0111e\u0302\u0301n he\u0323\u0302 qua\u0309 la\u0300 cha\u0302y i\u0300, tro\u0302\u0301n no\u031b\u0323, vu\u031b\u0301t bo\u0309 sim \u0111ie\u0323\u0302n thoa\u0323i, tro\u0302\u0301n kho\u0309i no\u031bi cu\u031b tru\u0301, tha\u0323\u0302m chi\u0301 ha\u0300nh hung nha\u0302n vie\u0302n thu ho\u0302\u0300i no\u031b\u0323, ga\u0302y kho\u0301 kha\u0306n cho ca\u0301c CTTC.<\/p>\n

\u0110a\u0302y cu\u0303ng la\u0300 ra\u0300o ca\u0309n pha\u0301t trie\u0302\u0309n cho ca\u0301c CTTC. Ha\u0300nh lang pha\u0301p ly\u0301 ne\u0302n hoa\u0300n thie\u0323\u0302n theo hu\u031bo\u031b\u0301ng ba\u0309o ve\u0323\u0302 \u0111u\u031bo\u031b\u0323c ngu\u031bo\u031b\u0300i \u0111i vay la\u0302\u0303n be\u0302n cho vay, nha\u0306\u0300m pha\u0301t trie\u0302\u0309n thi\u0323 tru\u031bo\u031b\u0300ng ta\u0300i chi\u0301nh tie\u0302u du\u0300ng la\u0300nh ma\u0323nh, be\u0302\u0300n vu\u031b\u0303ng.<\/p>\n

\u0110\u1ec3 ph\u00e1t tri\u1ec3n, c\u00e1c TCTD c\u1ea7n ph\u1ea3i r\u00e0 so\u00e1t c\u00e1c ph\u01b0\u01a1ng ph\u00e1p thu h\u1ed3i n\u1ee3 \u0111\u1ec3 tr\u01b0\u1edbc nh\u1ea5t, tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 t\u1ea1o s\u1ef1 \u1ed5n \u0111\u1ecbnh cho x\u00e3 h\u1ed9i.<\/p>\n

Cu\u1ed1i c\u00f9ng, to\u00e0 \u00e1n l\u00e0 n\u01a1i \u0111\u1ec3 x\u1eed l\u00fd nh\u1eefng tranh ch\u1ea5p. N\u1ebfu ch\u00fang ta x\u00e2y d\u01b0ng \u0111\u01b0\u1ee3c m\u1ed9t h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh v\u00e0 nh\u00e2n b\u1ea3n, th\u00ec \u0111\u00e2y l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n kinh t\u1ebf.<\/p>\n

THU\u00dd H\u1eb0NG<\/p>\n

H\u1ea3i D\u01b0\u01a1ng<\/p>\n

Th\u01b0a \u00f4ng, vi\u1ec7c thu h\u1ed3i c\u00e1c kho\u1ea3n n\u1ee3, h\u00ecnh th\u1ee9c thu h\u1ed3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o?<\/p>\n

\u00d4NG NGUY\u1ec4N TR\u1eccNG DU<\/p>\n

Ph\u00f3 ch\u00e1nh thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

V\u1ec1 quy \u0111\u1ecbnh thu h\u1ed3i n\u1ee3, gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng, Th\u00f4ng t\u01b0 18 do NHNN ban h\u00e0nh quy \u0111\u1ecbnh: bi\u1ec7n ph\u00e1p \u0111\u00f4n \u0111\u1ed1c, thu h\u1ed3i n\u1ee3 ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c th\u00f9 c\u1ee7a kh\u00e1ch h\u00e0ng, quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 kh\u00f4ng bao g\u1ed3m bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

Trong \u0111\u00f3, s\u1ed1 l\u1ea7n nh\u1eafc n\u1ee3 t\u1ed1i \u0111a 5 l\u1ea7n\/ng\u00e0y; h\u00ecnh th\u1ee9c nh\u1eafc n\u1ee3, th\u1eddi gian nh\u1eafc n\u1ee3 do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng, nh\u01b0ng ph\u1ea3i trong kho\u1ea3ng th\u1eddi gian t\u1eeb 7 gi\u1edd \u0111\u1ebfn 21 gi\u1edd.<\/p>\n

Kh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, g\u1eedi th\u00f4ng tin v\u1ec1 vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho c\u00f4ng ty t\u00e0i ch\u00ednh, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

B\u00d9I VI\u1ec6T C\u01af\u1edcNG<\/p>\n

B\u1eafc Ninh<\/p>\n

Th\u01b0a \u00f4ng, khi \u0111\u00e3 c\u00f3 l\u1ecbch s\u1eed n\u1ee3 x\u1ea5u th\u00ec kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f3 vay v\u1ed1n t\u1eeb c\u00e1c TCTD. Nh\u01b0ng nhu c\u1ea7u vay ti\u1ec1n lu\u00f4n cao, v\u1eady n\u1ee3 x\u1ea5u tr\u00ean CIC trong th\u1eddi gian bao l\u00e2u \u0111\u01b0\u1ee3c x\u00f3a, sau khi kh\u00e1ch h\u00e0ng ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c thanh to\u00e1n kho\u1ea3n n\u1ee3 x\u1ea5u \u0111\u00f3?<\/p>\n

\u00d4NG \u0110\u1ed6 HO\u00c0NG PHONG<\/p>\n

T\u1ed5ng gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng (CIC), Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

Theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, th\u1eddi gian l\u01b0u tr\u1eef th\u00f4ng tin t\u00edn d\u1ee5ng n\u00f3i chung v\u00e0 th\u00f4ng tin t\u00edn d\u1ee5ng ti\u00eau c\u1ef1c n\u00f3i ri\u00eang \u1edf m\u1ed7i n\u01b0\u1edbc l\u00e0 kh\u00e1c nhau, c\u00f3 n\u01b0\u1edbc 5 n\u0103m, c\u00f3 n\u01b0\u1edbc d\u00e0i h\u01a1n l\u00e0 7 n\u0103m, 10 n\u0103m; \u0111\u1ed1i v\u1edbi Vi\u1ec7t Nam l\u00e0 5 n\u0103m, t\u00ednh t\u1eeb ng\u00e0y t\u1ea5t to\u00e1n kho\u1ea3n vay.<\/p>\n

Quy \u0111\u1ecbnh n\u00e0y l\u00e0 \u0111\u1ec3 n\u00e2ng cao tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng vay v\u1edbi c\u00e1c TCTD, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng vay.<\/p>\n\n\n\n
\u00d4ng \u0110\u1ed7 Ho\u00e0ng Phong, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng (CIC)<\/p>\n

\"\"<\/p>\n

\u1ea2NH TI\u00caU PHONG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Tuy nhi\u00ean, \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho kh\u00e1ch h\u00e0ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng, CIC \u0111\u00e3 tr\u00ecnh v\u00e0 \u0111\u01b0\u1ee3c Th\u1ed1ng \u0111\u1ed1c NHNN cho ph\u00e9p kh\u00f4ng cung c\u1ea5p l\u1ecbch s\u1eed n\u1ee3 x\u1ea5u c\u1ee7a nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 m\u1ee9c d\u01b0 n\u1ee3 x\u1ea5u nh\u1ecf d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng \u0111\u00e3 t\u1ea5t to\u00e1n, ho\u00e0n th\u00e0nh ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3; r\u00fat ng\u1eafn th\u1eddi gian s\u1eed d\u1ee5ng th\u00f4ng tin l\u1ecbch s\u1eed n\u1ee3 x\u1ea5u \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00f3 n\u1ee3 x\u1ea5u t\u1eeb tr\u00ean 10 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn 50 tri\u1ec7u \u0111\u1ed3ng xu\u1ed1ng 1 n\u0103m; v\u00e0 t\u1eeb tr\u00ean 50 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn 100 tri\u1ec7u \u0111\u1ed3ng xu\u1ed1ng 2 n\u0103m.<\/p>\n

NGUY\u1ec4N B\u00ccNH MINH<\/p>\n

Nam \u0110\u1ecbnh<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft, v\u1ed1n vay t\u1ea1i CTTC l\u00e0 m\u1ed9t trong nh\u1eefng ngu\u1ed3n v\u1ed1n ch\u00ednh th\u1ed1ng, \u0111\u01b0\u1ee3c s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc. \u00d4ng \u0111\u00e1nh gi\u00e1 nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 gi\u1ea3i ph\u00e1p c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111ang t\u1eebng b\u01b0\u1edbc \u0111i\u1ec1u ch\u1ec9nh c\u00e1c ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00fd \u0111\u1ec3 c\u00e1c CTTC th\u1ef1c hi\u1ec7n ch\u1ee9c n\u0103ng, vai tr\u00f2 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3?<\/p>\n

TS NGUY\u1ec4N TR\u00cd HI\u1ebeU<\/p>\n

chuy\u00ean gia t\u00e0i ch\u00ednh<\/p>\n

C\u00e1c TCTD v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1edfi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1edfi NHNN.<\/p>\n

NHNN qu\u1ea3n l\u00fd c\u00e1c TCTD m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 qua vi\u1ec7c gi\u00e1m s\u00e1t vi\u1ec7c th\u1ef1c thi nh\u1eefng quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n

Tuy nhi\u00ean, v\u1edbi nh\u1eefng TCTD \u0111en ho\u1eb7c nh\u1eefng t\u1ed5 ch\u1ee9c kinh t\u1ebf ng\u1ea7m, th\u00ec NHNN v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd r\u1ea5t kh\u00f3 ki\u1ec3m so\u00e1t.<\/p>\n\n\n\n
Vay ti\u00eau d\u00f9ng th\u1ee7 t\u1ee5c nhanh g\u1ecdn, gi\u1ea3i ng\u00e2n nhanh<\/p>\n

\"\"<\/p>\n

\u1ea2NH NG\u1eccC TH\u1eaeNG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Nh\u1eefng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD \u0111en, mang t\u00ednh h\u00ecnh s\u1ef1 v\u00e0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u01a1 quan an ninh theo d\u00f5i v\u00e0 x\u1eed l\u00fd. NHNN v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd kh\u00e1c kh\u00f3 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh n\u00e0y.<\/p>\n

Nh\u01b0ng ch\u00ednh l\u0129nh v\u1ef1c mang t\u00ednh b\u1ea5t h\u1ee3p ph\u00e1p l\u1ea1i c\u00e0ng ng\u00e0y c\u00e0ng c\u00f3 c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n, \u0111\u1eb7c bi\u1ec7t trong b\u1ed1i c\u1ea3nh nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf gi\u1ea3m thu nh\u1eadp do nhu c\u1ea7u vay t\u0103ng cao.<\/p>\n

\u0110\u1ec3 \u0111\u1ea9y l\u00f9i nh\u1eefng ho\u1ea1t \u0111\u1ed9ng cho vay n\u1eb7ng l\u00e3i v\u00e0 ph\u1ea1m ph\u00e1p, ch\u1ec9 c\u00f3 th\u1ec3 d\u00f9ng c\u01a1 quan an ninh \u0111\u1ec3 theo d\u00f5i v\u00e0 ch\u1ea5n ch\u1ec9nh.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, h\u1ec7 th\u1ed1ng to\u00e0 \u00e1n c\u0169ng ph\u1ea3i v\u00e0o cu\u1ed9c m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd \u0111\u1ec3 truy t\u1ed1 t\u1ed9i ph\u1ea1m v\u00e0 x\u1eed l\u00fd h\u00ecnh s\u1ef1 nh\u1eefng c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c mang t\u00ean t\u00edn d\u1ee5ng \u0111en.<\/p>\n

MINH PH\u01af\u01a0NG<\/p>\n

\u0110\u1ed3ng Nai<\/p>\n

Xin lu\u1eadt s\u01b0 cho bi\u1ebft, cho vay ti\u00eau d\u00f9ng kh\u00f4ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u00f3 an to\u00e0n cho ng\u01b0\u1eddi \u0111i vay kh\u00f4ng? Khi c\u00f3 nhu c\u1ea7u, t\u00f4i c\u1ea7n ch\u00fa \u00fd t\u1edbi nh\u1eefng \u0111i\u1ec1u g\u00ec \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c kho\u1ea3n vay ti\u00eau d\u00f9ng h\u1ee3p l\u00fd v\u00e0 tr\u00e1nh t\u00ecnh tr\u1ea1ng g\u00e1nh n\u1eb7ng tr\u1ea3 n\u1ee3 h\u00e0ng th\u00e1ng?<\/p>\n

LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C<\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/p>\n

C\u1ea3m \u01a1n b\u1ea1n \u0111\u00e3 g\u1eedi c\u00e2u h\u1ecfi t\u1edbi ch\u01b0\u01a1ng tr\u00ecnh. Khi vay ti\u00eau d\u00f9ng, ng\u01b0\u1eddi \u0111i vay ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n hay kh\u00f4ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec1u kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c an to\u00e0n, v\u00ec \u0111\u1ec1u ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3.<\/p>\n

V\u1ea5n \u0111\u1ec1 ch\u1ec9 kh\u00e1c nhau l\u00e0 vay c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p m\u00e0 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec s\u1ebd ph\u1ea3i x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. C\u00f2n tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec ph\u1ea3i x\u1eed l\u00fd b\u1eb1ng t\u00e0i s\u1ea3n kh\u00e1c theo th\u1ecfa thu\u1eadn ho\u1eb7c ph\u00e1n quy\u1ebft c\u1ee7a t\u00f2a \u00e1n (n\u1ebfu c\u00f3).<\/p>\n

\u0110\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng g\u00e1nh n\u1eb7ng tr\u1ea3 n\u1ee3 h\u00e0ng th\u00e1ng, tr\u01b0\u1edbc h\u1ebft, b\u1ea1n ph\u1ea3i x\u00e1c \u0111\u1ecbnh c\u00f3 nhu c\u1ea7u trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n thi\u1ebft. Ngo\u00e0i ra, b\u1ea1n ph\u1ea3i t\u00ednh kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 theo \u0111\u00fang cam k\u1ebft, sau khi \u0111\u00e3 \u0111\u1ec3 l\u1ea1i c\u00e1c kho\u1ea3n chi ph\u00ed t\u1ed1i thi\u1ec3u cho cu\u1ed9c s\u1ed1ng.<\/p>\n

N\u1ebfu m\u1ee9c thu nh\u1eadp c\u1ee7a b\u1ea1n kh\u00f4ng qu\u00e1 cao, kinh nghi\u1ec7m cho th\u1ea5y, kho\u1ea3n tr\u1ea3 n\u1ee3 kh\u00f4ng n\u00ean qu\u00e1 m\u1ed9t n\u1eeda s\u1ed1 thu nh\u1eadp.<\/p>\n

M\u1ed9t l\u01b0u \u00fd quan tr\u1ecdng khi vay ti\u00eau d\u00f9ng, ng\u01b0\u1eddi vay ph\u1ea3i lu\u00f4n ch\u00fa \u00fd tr\u1ea3 n\u1ee3 \u0111\u1ec1u \u0111\u1eb7n, \u0111\u00fang h\u1ea1n, tr\u00e1nh b\u1ecb d\u1ed3n l\u1ea1i kho\u1ea3n n\u1ee3 l\u1edbn, r\u1ea5t kh\u00f3 cho kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh v\u00e0 nguy c\u01a1 b\u1ecb t\u00ednh l\u00e3i n\u1ee3 qu\u00e1 h\u1ea1n cao.<\/p>\n

VI\u1ec6T H\u00d9NG<\/p>\n

TP.H\u1ed3 Ch\u00ed Minh<\/p>\n

Vi\u1ec7c \u0111\u1ea9y m\u1ea1nh cho vay ti\u00eau d\u00f9ng th\u00f4ng qua c\u00e1c CTTC c\u00f3 h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en hay kh\u00f4ng th\u01b0a \u00f4ng?<\/p>\n

\u00d4NG NGUY\u1ec4N TR\u1eccNG DU<\/p>\n

Ph\u00f3 ch\u00e1nh thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

Tr\u00ean th\u1ecb tr\u01b0\u1eddng, c\u00f3 nhi\u1ec1u k\u00eanh ch\u00ednh th\u1ee9c \u0111\u1ec3 kh\u00e1ch h\u00e0ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng nh\u01b0 th\u00f4ng qua c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i, CTTC, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4.<\/p>\n\n\n\n
\u00d4ng Nguy\u1ec5n Tr\u1ecdng Du, Ph\u00f3 ch\u00e1nh Thanh tra, C\u01a1 quan thanh tra v\u00e0 gi\u00e1m s\u00e1t, Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc<\/p>\n

\"\"<\/p>\n

\u1ea2NH TI\u00caU PHONG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh, NHNN \u0111ang khuy\u1ebfn kh\u00edch c\u00e1c lo\u1ea1i h\u00ecnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00eau tr\u00ean m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c, th\u00f4ng qua nhi\u1ec1u k\u00eanh kh\u00e1c nhau, \u0111a d\u1ea1ng h\u00f3a s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 \u0111i \u0111\u00f4i v\u1edbi n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng t\u1ed1t h\u01a1n y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng vay \u1edf c\u00e1c ph\u00e2n kh\u00fac kh\u00e1c nhau c\u1ee7a th\u1ecb tr\u01b0\u1eddng, g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en.<\/p>\n

MINH HOA<\/p>\n

H\u00f2a B\u00ecnh<\/p>\n

\u00d4ng c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 v\u1ec1 nhu c\u1ea7u v\u1ed1n trong d\u00e2n c\u01b0 hi\u1ec7n nay, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh v\u00e0 th\u1ea5p, kh\u00f4ng \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n ng\u00e2n h\u00e0ng?<\/p>\n

TS NGUY\u1ec4N TR\u00cd HI\u1ebeU<\/p>\n

chuy\u00ean gia t\u00e0i ch\u00ednh<\/p>\n

Nhu c\u1ea7u v\u1ed1n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y r\u1ea5t l\u1edbn. Tr\u01b0\u1edbc h\u1ebft, n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam ph\u00e1t tri\u1ec3n m\u1ea1nh, n\u0103m 2019, GDP c\u1ee7a Vi\u1ec7t Nam t\u0103ng 7,02% v\u00e0 n\u1ebfu kh\u00f4ng c\u00f3 d\u1ecbch Covid-19, n\u1ec1n kinh t\u1ebf d\u1ef1 ki\u1ebfn s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng \u1edf m\u1ee9c \u0111\u1ed9 6,8%. Tuy nhi\u00ean, v\u1edbi \u0111\u1ea1i d\u1ecbch Covid-19, GDP c\u1ee7a Vi\u1ec7t Nam n\u0103m nay d\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng ch\u1ec9 kho\u1ea3ng 5%.<\/p>\n

Ngay c\u1ea3 GDP t\u0103ng tr\u01b0\u1edfng \u1edf m\u1ee9c th\u1ea5p h\u01a1n n\u0103m ngo\u00e1i, n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam v\u1eabn \u0111\u01b0\u1ee3c xem l\u00e0 ph\u00e1t tri\u1ec3n m\u1ea1nh so v\u1edbi nhi\u1ec1u qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi. V\u1edbi s\u1ef1 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf \u1edf m\u1ee9c \u0111\u1ed9 cao, nhu c\u1ea7u vay ti\u00eau d\u00f9ng c\u0169ng s\u1ebd t\u0103ng cao.<\/p>\n

T\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y, khi d\u1ecbch b\u1ec7nh c\u00f2n \u0111ang di\u1ec5n bi\u1ebfn nghi\u00eam tr\u1ecdng, nh\u1eefng ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf c\u1ee7a c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf tuy c\u00f3 suy gi\u1ea3m, nh\u01b0ng d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u01b0\u1ee3c ph\u1ee5c h\u1ed3i sau \u0111\u1ea1i d\u1ecbch. Ch\u00ednh v\u00ec v\u1eady, nhu c\u1ea7u vay ti\u00eau d\u00f9ng t\u0103ng cao, m\u00e0 cho vay ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t trong nh\u1eefng ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf r\u1ea5t s\u00f4i n\u1ed5i v\u00e0 r\u1ea5t \u0111\u00e1ng \u0111\u01b0\u1ee3c quan t\u00e2m.<\/p>\n

Trong 2 th\u00e1ng qua, v\u00ec nh\u1eefng bi\u1ec7n ph\u00e1p c\u00e1ch ly x\u00e3 h\u1ed9i, nhi\u1ec1u doanh nghi\u1ec7p \u0111\u00f3ng c\u1eeda, hay gi\u1ea3m ho\u1ea1t \u0111\u1ed9ng, nhi\u1ec1u ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u1ea5t vi\u1ec7c l\u00e0m ho\u1eb7c doanh thu b\u1ecb gi\u1ea3m thi\u1ec3u \u0111\u00e1ng k\u1ec3. V\u1edbi nh\u1eefng th\u00e0nh ph\u1ea7n n\u00e0y, nhu c\u1ea7u t\u00e0i ch\u00ednh t\u0103ng \u0111\u1ed9t bi\u1ebfn, trong khi thu nh\u1eadp b\u1ecb gi\u1ea3m do nh\u1eefng chi ph\u00ed sinh ho\u1ea1t h\u00e0ng ng\u00e0y v\u1eabn duy tr\u00ec, g\u1ed3m ti\u1ec1n thu\u00ea nh\u00e0, chi ph\u00ed cho sinh ho\u1ea1t, di chuy\u1ec3n, \u0103n \u1edf v\u00e0 nh\u1eefng chi ph\u00ed kh\u00e1c cho gia \u0111\u00ecnh, con c\u00e1i.<\/p>\n

Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, c\u00e1c CTTC c\u0169ng r\u1ea5t n\u1ed7 l\u1ef1c \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, c\u00e1c CTTC tr\u1edf n\u00ean r\u1ea5t th\u1eadn tr\u1ecdng, v\u00ec nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp suy gi\u1ea3m c\u00f3 nhu c\u1ea7u vay cao, trong khi kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 gi\u1ea3m.<\/p>\n

C\u00f9ng l\u00fac \u0111\u00f3, c\u00e1c k\u00eanh vay kh\u00f4ng ch\u00ednh th\u1ed1ng bao g\u1ed3m t\u00edn d\u1ee5ng \u0111en, \u0111ang ph\u00e1t tri\u1ec3n r\u1ea5t m\u1ea1nh m\u1ebd v\u00e0 hi\u1ec7n t\u1ea1i \u0111ang tr\u1edf th\u00e0nh hi\u1ec7n t\u01b0\u1ee3ng r\u1ea5t ti\u00eau c\u1ef1c, \u0111\u00e1ng quan ng\u1ea1i.<\/p>\n

\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh th\u1ea5p, kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n ng\u00e2n h\u00e0ng, t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y l\u1ea1i c\u00e0ng kh\u00f3 kh\u0103n h\u01a1n.<\/p>\n

Ch\u00ednh v\u00ec th\u1ebf, \u0111\u00e2y c\u0169ng l\u00e0 s\u1ef1 quan t\u00e2m c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, l\u00e0m sao \u0111\u1ec3 gi\u00fap nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p c\u00f3 th\u1ec3 vay m\u01b0\u1ee3n \u0111\u01b0\u1ee3c.<\/p>\n

THU H\u00c0<\/p>\n

H\u00e0 N\u1ed9i<\/p>\n

T\u00f4i mu\u1ed1n vay ti\u00eau d\u00f9ng \u0111\u1ec3 kh\u00e1m ch\u1eefa b\u1ec7nh, mua nh\u00e0\u2026 Hi\u1ec7n, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vay ti\u00eau d\u00f9ng c\u00f3 gi\u1edbi h\u1ea1n m\u1ee9c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng?<\/p>\n

\u00d4NG NGUY\u1ec4N TR\u1eccNG DU<\/p>\n

Ph\u00f3 ch\u00e1nh thanh tra Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

Ng\u00e0y 4.11.2019, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 18\/2019\/TT-NHNN s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 30.12.2016 quy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

Trong \u0111\u00f3, c\u00f3 nh\u1eefng quy \u0111\u1ecbnh m\u1edbi, c\u1ee5 th\u1ec3 nh\u01b0 v\u1ec1 gi\u1edbi h\u1ea1n cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng, t\u1ea1i Th\u00f4ng t\u01b0 18 quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn (tr\u00ean 20 tri\u1ec7u \u0111\u1ed3ng).<\/p>\n

Theo \u0111\u00f3, kh\u00f4ng h\u1ea1n ch\u1ebf \u0111\u1ed1i v\u1edbi nhu c\u1ea7u m\u00f3n vay nh\u1ecf d\u01b0\u1edbi 20 tri\u1ec7u \u0111\u1ed3ng, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay v\u1ed1n ch\u00ednh \u0111\u00e1ng, h\u1ee3p ph\u00e1p ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng, ti\u00eau d\u00f9ng c\u1ee7a nh\u00e2n d\u00e2n, g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u c\u1ee7a Ch\u1ec9 th\u1ecb s\u1ed1 12 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u00e0 Ch\u1ec9 th\u1ecb 01 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN.<\/p>\n

M\u1eb7t kh\u00e1c, quy \u0111\u1ecbnh l\u1ed9 tr\u00ecnh \u0111\u1ebfn ng\u00e0y 1.1.2024, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) m\u1edbi ph\u1ea3i tu\u00e2n th\u1ee7 t\u1ef7 l\u1ec7 cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng t\u1ed1i \u0111a 30% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. Do v\u1eady, kh\u00f4ng t\u00e1c \u0111\u1ed9ng nhi\u1ec1u \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC, do \u0111\u00e3 c\u00f3 th\u1eddi gian chuy\u1ec3n ti\u1ebfp \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 c\u00e1c t\u1ef7 l\u1ec7 theo l\u1ed9 tr\u00ecnh.<\/p>\n

Ngo\u00e0i ra, theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 39\/2014\/N\u0110-CP v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a CTTC, c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh, th\u00ec CTTC \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng (g\u1ed3m: cho vay ti\u00eau d\u00f9ng – cho vay gi\u1ea3i ng\u00e2n cho b\u00ean cung \u1ee9ng h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 v\u00e0 cho vay gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng v\u00e0 ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng; cho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng trong gi\u1edbi h\u1ea1n 30% t\u1ed5ng d\u01b0 n\u1ee3).<\/p>\n

Do v\u1eady, n\u1ebfu t\u00ednh c\u1ea3 d\u01b0 n\u1ee3 cho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng th\u00ec t\u1ef7 l\u1ec7 cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp th\u1ef1c t\u1ebf (cho vay ti\u00eau d\u00f9ng, cho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng) tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3 c\u00f2n cao h\u01a1n m\u1ee9c 30%.<\/p>\n

C\u00e1c quy \u0111\u1ecbnh tr\u00ean nh\u1eb1m tri\u1ec3n khai th\u1ef1c hi\u1ec7n Ch\u1ec9 th\u1ecb s\u1ed1 12\/CT-TTg ng\u00e0y 25.4.2019 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u00e0 Ch\u1ec9 th\u1ecb 01 ng\u00e0y 8.1.2019 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN v\u1ec1 t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p tr\u1ecdng t\u00e2m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng trong n\u0103m 2019, tr\u00ean c\u01a1 s\u1edf m\u1ee5c ti\u00eau qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, l\u1ed9 tr\u00ecnh th\u1ef1c hi\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 NHNN.<\/p>\n

Qua \u0111\u00f3, v\u1eeba th\u00fac \u0111\u1ea9y vai tr\u00f2 c\u1ee7a c\u00e1c CTTC ti\u00eau d\u00f9ng, \u0111\u1ed3ng th\u1eddi ph\u1ea3i c\u00f3 ki\u1ec3m so\u00e1t \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro ph\u00e1t sinh t\u1eeb vi\u1ec7c c\u00e1c CTTC t\u1eadp trung cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp trong th\u1eddi gian qua.<\/p>\n

H\u01a1n n\u1eefa, c\u00e1c quy \u0111\u1ecbnh n\u00e0y c\u0169ng nh\u1eb1m \u0111a d\u1ea1ng h\u00f3a s\u1ea3n ph\u1ea9m, h\u01b0\u1edbng t\u1edbi kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u vay ti\u00eau d\u00f9ng th\u1ef1c s\u1ef1, t\u1eeb \u0111\u00f3 gi\u1ea3m r\u1ee7i ro, khi\u1ebfu n\u1ea1i, tranh ch\u1ea5p t\u1eeb kh\u00e1ch h\u00e0ng, gi\u1ea3m l\u00e3i su\u1ea5t cho vay, b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a kh\u00e1ch h\u00e0ng. V\u00e0 cu\u1ed1i c\u00f9ng l\u00e0 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n an to\u00e0n, b\u1ec1n v\u1eefng, l\u00e0nh m\u1ea1nh.<\/p>\n

Do \u0111\u00f3, vi\u1ec7c quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng l\u00e0 c\u1ea7n thi\u1ebft trong giai \u0111o\u1ea1n hi\u1ec7n nay.<\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n

Thanh ni\u00ean (Giao l\u01b0u tr\u1ef1c tuy\u1ebfn) 20-5-2020:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/tai-chinh-kinh-doanh\/giao-luu-truc-tuyen-vay-tieu-dung-co-trach-nhiem-1225443.html<\/a><\/p>\n

(1.705\/8.867)<\/em>","protected":false},"excerpt":{"rendered":"

(TN) – Theo C\u1ee5c C\u1ea1nh tranh v\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng B\u1ed9 C\u00f4ng th\u01b0\u01a1ng trong giai \u0111o\u1ea1n 10 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng li\u00ean t\u1ee5c c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cao, trung b\u00ecnh 20%\/n\u0103m \u0111\u1ea1t quy m\u00f4 646.000 t\u1ec9 \u0111\u1ed3ng. \u0110\u1ea1i di\u1ec7n B\u00e1o Thanh Ni\u00ean t\u1eb7ng hoa c\u00e1c kh\u00e1ch […]<\/p>\n","protected":false},"author":1,"featured_media":10402,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-10400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.998. 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