{"id":10650,"date":"2020-06-10T13:41:27","date_gmt":"2020-06-10T06:41:27","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=10650"},"modified":"2022-03-04T13:25:48","modified_gmt":"2022-03-04T06:25:48","slug":"3-047-vay-tien-qua-app-voi-lai-cat-co-chua-co-che-tai-cu-the-kho-xu-ly-vi-pham","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-047-vay-tien-qua-app-voi-lai-cat-co-chua-co-che-tai-cu-the-kho-xu-ly-vi-pham\/","title":{"rendered":"3.047. Vay ti\u1ec1n qua App v\u1edbi l\u00e3i ‘c\u1eaft c\u1ed5’: Ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i c\u1ee5 th\u1ec3, kh\u00f3 x\u1eed l\u00fd vi ph\u1ea1m"},"content":{"rendered":"(CL) – Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a Lu\u1eadt s\u01b0 Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>, vi\u1ec7c xu\u1ea5t hi\u1ec7n t\u00ecnh tr\u1ea1ng cho vay ti\u1ec1n qua App v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5 \u0111ang tr\u00e0n lan hi\u1ec7n nay l\u00e0 do ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i c\u1ee5 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f3 x\u1eed l\u00fd vi ph\u1ea1m.<\/strong><\/p>\n

Tr\u1ea3 kho\u1ea3n n\u1ee3 g\u1ea5p 50 l\u1ea7n s\u1ed1 \u0111\u00e3 vay<\/strong><\/p>\n

Chia s\u1ebb v\u1edbi PV, ch\u1ecb L.N.H (\u0110\u1ed1ng \u0110a, H\u00e0 N\u1ed9i) cho bi\u1ebft, v\u00e0o \u0111\u1ea7u th\u00e1ng 1\/2020 v\u1eeba qua, ch\u1ecb H. \u0111\u00e3 t\u00ecm \u0111\u1ebfn App cho vay \u0111\u01b0\u1ee3c qu\u1ea3ng c\u00e1o tr\u00ean m\u1ea1ng.\u00a0 V\u1edbi s\u1ed1 ti\u1ec1n vay l\u1ea7n \u0111\u1ea7u ch\u1ec9 l\u00e0 1 tri\u1ec7u \u0111\u1ed3ng v\u00e0 \u0111\u01b0\u1ee3c tr\u1ea3 \u0111\u00fang h\u1ea1n n\u00ean h\u1ea1n m\u1ee9c vay c\u1ee7a ch\u1ecb t\u0103ng d\u1ea7n l\u00ean 3 – 5 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

Tuy nhi\u00ean, r\u1eafc r\u1ed1i b\u1eaft \u0111\u1ea7u t\u1eeb th\u1eddi \u0111i\u1ec3m ch\u1ecb kh\u00f4ng tr\u1ea3 \u0111\u00fang h\u1ea1n kho\u1ea3n vay 5 tri\u1ec7u \u0111\u1ed3ng. \u0110\u1ec3 c\u00f3 ti\u1ec1n tr\u1ea3 n\u1ee3, ch\u1ecb H\u00e2n \u0111\u00e3 li\u00ean t\u1ee5c vay ti\u1ec1n<\/a> t\u1eeb h\u01a1n 20 App kh\u00e1c nhau v\u00e0 cu\u1ed1i c\u00f9ng t\u1ed5ng s\u1ed1 ti\u1ec1n m\u00e0 ch\u1ecb b\u1eaft bu\u1ed9c ph\u1ea3i tr\u1ea3 \u0111\u00e3 g\u1ea5p g\u1ea7n 50 l\u1ea7n con s\u1ed1 ban \u0111\u1ea7u.<\/p>\n

\"\"<\/p>\n

\u1ea2nh minh h\u1ecda<\/em><\/p>\n

Nh\u1eefng n\u1ea1n nh\u00e2n ph\u1ea3i g\u00e1nh m\u1ed9t kho\u1ea3n n\u1ee3 kh\u1ed5ng l\u1ed3 sau qu\u00e3ng th\u1eddi gian ng\u1eafn vay ti\u1ec1n qua App nh\u01b0 ch\u1ecb H. kh\u00f4ng ph\u1ea3i l\u00e0 hi\u1ebfm. C\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn nh\u1eefng App vay ti\u1ec1n ph\u1ed5 bi\u1ebfn nh\u01b0: DoctorDong, Scash, Atome, V\u0110\u1ed3ng, Bagang… \u0110i\u1ec3m chung c\u1ee7a nh\u1eefng App n\u00e0y l\u00e0 d\u1ec5 s\u1eed d\u1ee5ng, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n ch\u1ec9 c\u1ea7n ch\u1ee9ng minh nh\u00e2n d\u00e2n ho\u1eb7c s\u1ed5 h\u1ed9 kh\u1ea9u, \u0111\u1ed3ng th\u1eddi qu\u00e1 tr\u00ecnh gi\u1ea3i ng\u00e2n kho\u1ea3n vay c\u0169ng kh\u00e1 nhanh ch\u00f3ng.<\/p>\n

Tuy nhi\u00ean, ng\u01b0\u1eddi vay s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn \u0111\u1ea7y \u0111\u1ee7 s\u1ed1 ti\u1ec1n m\u00ecnh vay m\u00e0 ph\u1ea3i c\u1eaft l\u1ea1i m\u1ed9t kho\u1ea3n g\u1ecdi l\u00e0 ph\u00ed d\u1ecbch v\u1ee5. C\u1ee5 th\u1ec3, n\u1ebfu vay 1,5 tri\u1ec7u \u0111\u1ed3ng, ng\u01b0\u1eddi vay s\u1ebd ch\u1ec9 c\u1ea7m v\u1ec1 t\u1eeb 900.000 – 1.000.000 \u0111\u1ed3ng nh\u01b0ng khi tr\u1ea3 v\u1eabn ph\u1ea3i tr\u1ea3 \u0111\u1ee7 1,5 tri\u1ec7u \u0111\u1ed3ng. Th\u1eddi gian ph\u1ea3i tr\u1ea3 th\u01b0\u1eddng l\u00e0 trong 1 tu\u1ea7n, n\u1ebfu tr\u1ea3 ch\u1eadm s\u1ebd t\u00ednh l\u00e3i su\u1ea5t kho\u1ea3ng 5%\/ng\u00e0y, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi 150%\/th\u00e1ng.<\/p>\n

V\u00e0 khi ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 \u0111\u00fang h\u1ea1n, “c\u01a1n \u00e1c m\u1ed9ng” s\u1ebd th\u1ef1c s\u1ef1 b\u1eaft \u0111\u1ea7u. H\u1ecd s\u1ebd g\u1eb7p t\u00ecnh tr\u1ea1ng l\u00e3i ch\u1ed3ng l\u00e3i v\u00e0 b\u1ecb \u201csi\u1ebft n\u1ee3\u201d, h\u1ecd b\u1ecb x\u00fac ph\u1ea1m nh\u00e2n ph\u1ea9m th\u1eadm ch\u00ed l\u00e0 \u0111e d\u1ecda t\u00ednh m\u1ea1ng n\u1ebfu nh\u01b0 kh\u00f4ng tr\u1ea3 h\u1ebft s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 s\u1ed1 l\u00e3i \u0111\u00e3 vay.<\/p>\n

Ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i c\u1ee5 th\u1ec3<\/strong><\/p>\n

Ph\u00e2n t\u00edch v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em> kh\u1eb3ng \u0111\u1ecbnh, c\u00f3 th\u1ec3 n\u00f3i ch\u1ecb H. l\u00e0 m\u1ed9t n\u1ea1n nh\u00e2n c\u1ee7a t\u00edn d\u1ee5ng \u0111en vay ti\u1ec1n qua App<\/a>. Tr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng c\u00f3 \u0111\u1ecbnh ngh\u0129a n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt<\/a> v\u1ec1 t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00edn d\u1ee5ng \u0111en l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng cho vay th\u01b0\u1eddng l\u00e0 c\u00f3 \u00edt nh\u1ea5t 2 trong s\u1ed1 3 y\u1ebfu t\u1ed1 b\u1ea5t h\u1ee3p ph\u00e1p l\u00e0: cho vay b\u1ea5t h\u1ee3p ph\u00e1p, l\u00e3i su\u1ea5t tr\u00e1i lu\u1eadt v\u00e0 \u0111\u00f2i n\u1ee3 ph\u1ea1m ph\u00e1p.<\/p>\n

Th\u1ee9 nh\u1ea5t, cho vay b\u1ea5t h\u1ee3p ph\u00e1p l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay th\u01b0\u1eddng xuy\u00ean, v\u1edbi m\u1ee5c \u0111\u00edch kinh doanh<\/a>, nh\u01b0ng kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh v\u1ec1 d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ho\u1eb7c d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 v\u00e0 k\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p tuy \u0111\u01b0\u1ee3c ph\u00e9p cho vay, nh\u01b0ng l\u1ea1i cho vay v\u01b0\u1ee3t ph\u1ea1m vi \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

Cho vay b\u1ea5t h\u1ee3p ph\u00e1p c\u0169ng c\u00f3 th\u1ec3 l\u00e0 vi\u1ec7c l\u1eeba d\u1ed1i, \u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p ng\u01b0\u1eddi vay l\u00e0m cho kh\u00e1ch h\u00e0ng nh\u1eadn th\u1ee9c nh\u1ea7m r\u1eb1ng vi\u1ec7c \u0111i vay l\u00e0 s\u1ef1 t\u1ef1 nguy\u1ec7n th\u1ecfa thu\u1eadn, vi\u1ec7c cho vay v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n k\u00e8m theo l\u00e0 h\u1ee3p ph\u00e1p.<\/p>\n

Th\u1ee9 hai, l\u00e3i su\u1ea5t tr\u00e1i lu\u1eadt l\u00e0 m\u1ee9c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Tuy nhi\u00ean, t\u00edn d\u1ee5ng \u0111en th\u00ec th\u01b0\u1eddng l\u00e0 l\u00e3i su\u1ea5t cao g\u1ea5p \u0111\u00f4i m\u1ee9c n\u00e0y tr\u1edf l\u00ean. T\u1eeb 05\/11\/2010 \u0111\u1ebfn 31\/12\/2016, l\u00e3i su\u1ea5t tr\u00e1i lu\u1eadt l\u00e0 v\u01b0\u1ee3t qu\u00e1 13,5%\/n\u0103m (qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n).<\/p>\n

Th\u1ee9 ba, \u0111\u00f2i n\u1ee3 ph\u1ea1m ph\u00e1p l\u00e0 vi\u1ec7c b\u00ean cho vay ho\u1eb7c th\u00f4ng qua b\u00ean th\u1ee9 ba \u0111\u00f2i n\u1ee3 b\u1eb1ng c\u00e1ch g\u00e2y s\u1ee9c \u00e9p ki\u1ec3u \u0111e do\u1ea1, c\u01b0\u1ee1ng \u00e9p, kh\u1ee7ng b\u1ed1 tinh th\u1ea7n, x\u00fac ph\u1ea1m danh d\u1ef1, nh\u00e2n ph\u1ea9m, s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 th\u00e2n nh\u00e2n h\u1ecd.<\/p>\n

C\u0169ng theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, m\u1ed9t trong c\u00e1c c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en l\u00e0 l\u1eadp l\u1edd s\u1eed d\u1ee5ng c\u00e1c c\u1ee5m t\u1eeb \u201cc\u00f4ng ty t\u00e0i ch\u00ednh\u201d ho\u1eb7c \u201cd\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh\u201d \u0111\u00e3 vi ph\u1ea1m v\u00e0o quy \u0111\u1ecbnh, n\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec \u201ckh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb ho\u1eb7c thu\u1eadt ng\u1eef \u201cc\u00f4ng ty t\u00e0i ch\u00ednh\u201d.<\/p>\n

Ngo\u00e0i c\u00e1c l\u00fd do nh\u01b0 nhu c\u1ea7u vay v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n r\u1ea5t l\u1edbn, l\u1ee3i nhu\u1eadn t\u00edn d\u1ee5ng \u0111en r\u1ea5t cao hay th\u01b0\u1eddng c\u00f3 s\u1ef1 b\u1ea3o k\u00ea, v.v.. th\u00ec c\u00f2n m\u1ed9t trong c\u00e1c nguy\u00ean nh\u00e2n ch\u00ednh d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en ho\u00e0nh h\u00e0nh l\u00e0 do c\u00f3 ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i c\u1ee5 th\u1ec3, d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f3 x\u1eed l\u00fd vi ph\u1ea1m, c\u1ea3 h\u00e0nh ch\u00ednh c\u0169ng nh\u01b0 h\u00ecnh s\u1ef1.<\/p>\n

B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh, ng\u01b0\u1eddi n\u00e0o trong giao d\u1ecbch d\u00e2n s\u1ef1 m\u00e0 cho vay v\u1edbi l\u00e3i su\u1ea5t g\u1ea5p 05 l\u1ea7n tr\u1edf l\u00ean c\u1ee7a m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (t\u1ee9c 100%), thu l\u1ee3i b\u1ea5t ch\u00ednh t\u1eeb 30 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean, ho\u1eb7c \u0111\u00e3 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u1ec1 h\u00e0nh vi n\u00e0y ho\u1eb7c \u0111\u00e3 b\u1ecb k\u1ebft \u00e1n v\u1ec1 t\u1ed9i n\u00e0y, ch\u01b0a \u0111\u01b0\u1ee3c x\u00f3a \u00e1n t\u00edch m\u00e0 c\u00f2n vi ph\u1ea1m, th\u00ec b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 50 tri\u1ec7u – 1 t\u1ef7 \u0111\u1ed3ng ho\u1eb7c ph\u1ea1t c\u1ea3i t\u1ea1o kh\u00f4ng giam gi\u1eef \u0111\u1ebfn 03 n\u0103m ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 06 th\u00e1ng \u0111\u1ebfn 03 n\u0103m.<\/p>\n

Theo chia s\u1ebb t\u1eeb Ph\u00f3 Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed Vi\u1ec7t Nam Nguy\u1ec5n Ng\u1ecdc D\u0169ng, v\u1ec1 b\u1ea3n ch\u1ea5t, m\u00f4 h\u00ecnh cho vay qua App l\u00e0 r\u1ea5t ti\u1ec7n. Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf, vay qua App \u0111ang b\u1ecb bi\u1ebfn t\u01b0\u1edbng th\u00e0nh t\u00edn d\u1ee5ng \u0111en v\u1edbi kho\u1ea3n l\u00e3i vay c\u00f3 th\u1ec3 l\u00ean t\u1edbi tr\u00ean 1.000%\/n\u0103m. V\u00ec v\u1eady, m\u00f4 h\u00ecnh n\u00e0y c\u1ea7n c\u00f3 s\u1ef1 gi\u00e1m s\u00e1t k\u1ecbp th\u1eddi t\u1eeb c\u01a1 quan ch\u1ee9c n\u0103ng nh\u1eb1m b\u1ea3o \u0111\u1ea3m s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a lo\u1ea1i h\u00ecnh n\u00e0y c\u0169ng nh\u01b0 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi vay.<\/p>\n

T. Nhi<\/strong><\/p>\n

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

C\u00f4ng l\u00fd (Doanh nghi\u1ec7p) 10-6-2020:<\/em><\/strong><\/p>\n

https:\/\/congly.vn\/kinh-doanh\/doanh-nghiep\/vay-tien-qua-app-voi-lai-cat-co-chua-co-che-tai-cu-the-kho-xu-ly-vi-pham-346590.html<\/em><\/a><\/p>\n

(607\/1.073)<\/em>","protected":false},"excerpt":{"rendered":"

(CL) – Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a Lu\u1eadt s\u01b0 Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, vi\u1ec7c xu\u1ea5t hi\u1ec7n t\u00ecnh tr\u1ea1ng cho vay ti\u1ec1n qua App v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5 \u0111ang tr\u00e0n lan hi\u1ec7n nay l\u00e0 do ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i c\u1ee5 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f3 x\u1eed l\u00fd vi ph\u1ea1m. Tr\u1ea3 kho\u1ea3n n\u1ee3 […]<\/p>\n","protected":false},"author":1,"featured_media":10652,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-10650","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n3.047. Vay ti\u1ec1n qua App v\u1edbi l\u00e3i 'c\u1eaft c\u1ed5': Ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i c\u1ee5 th\u1ec3, kh\u00f3 x\u1eed l\u00fd vi ph\u1ea1m - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/tieng-viet-3-047-vay-tien-qua-app-voi-lai-cat-co-chua-co-che-tai-cu-the-kho-xu-ly-vi-pham\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.047. 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