{"id":10829,"date":"2020-12-31T20:31:34","date_gmt":"2020-12-31T13:31:34","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=10829"},"modified":"2022-03-04T13:10:25","modified_gmt":"2022-03-04T06:10:25","slug":"3-221-de-cho-vay-ngang-hang-p2p-lending-phat-trien-lanh-manh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-221-de-cho-vay-ngang-hang-p2p-lending-phat-trien-lanh-manh\/","title":{"rendered":"3.221. \u0110\u1ec3 cho vay ngang h\u00e0ng (P2P Lending) ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh."},"content":{"rendered":"<strong>(VOV2) &#8211; Cho vay ngang h\u00e0ng (P2P lending) \u01a1\u0309 Vi\u00ea\u0323t Nam \u0111a\u0303 xu\u00e2\u0301t hi\u00ea\u0323n \u0111\u01b0\u01a1\u0323c khoa\u0309ng 5 n\u0103m nh\u01b0ng hi\u00ea\u0323n nay v\u1eabn ch\u01b0a c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd \u0111i\u1ec1u ch\u1ec9nh lo\u1ea1i h\u00ecnh n\u00e0y.\u00a0<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-10830 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/Screen-Shot-2022-03-03-at-20.34.22-450x297.png\" alt=\"\" width=\"450\" height=\"297\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/Screen-Shot-2022-03-03-at-20.34.22-450x297.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/Screen-Shot-2022-03-03-at-20.34.22.png 467w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>\u1ea2nh Thu H\u1ea3<\/p>\n<p>M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (peer-to-peer lending &#8211; P2P) l\u00e0 m\u1ed9t m\u00f4 h\u00ecnh kinh doanh s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 online \u0111\u1ec3 k\u1ebft n\u1ed1i nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1edbi c\u00e1c c\u00e1 nh\u00e2n hay doanh nghi\u1ec7p c\u00f3 nhu c\u1ea7u vay v\u1ed1n. \u0110\u00e2y l\u00e0 m\u1ed9t xu h\u01b0\u1edbng \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd \u1edf c\u00e1c th\u1ecb tr\u01b0\u1eddng tr\u00ean th\u1ebf gi\u1edbi. \u1ede\u00a0Vi\u00ea\u0323t Nam, hi\u0300nh th\u01b0\u0301c cho vay na\u0300y c\u0169ng \u0111a\u0303 xu\u00e2\u0301t hi\u00ea\u0323n \u0111\u01b0\u01a1\u0323c va\u0300i n\u0103m nay.<\/p>\n<p>Theo truy\u00ea\u0300n th\u00f4\u0301ng, ng\u01b0\u01a1\u0300i mu\u00f4\u0301n vay v\u00f4\u0301n pha\u0309i \u0111\u00ea\u0301n ng\u00e2n ha\u0300ng ho\u0103\u0323c c\u00f4ng ty ta\u0300i chi\u0301nh \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p, nh\u01b0ng\u00a0 khoa\u0309ng chu\u0323c n\u0103m nay, khi c\u00f4ng ngh\u00ea\u0323 th\u00f4ng tin pha\u0301t tri\u00ea\u0309n, \u0111a\u0303 ra \u0111\u01a1\u0300i c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u00ea\u0323 ta\u0300i chi\u0301nh (Fintech) co\u0301 nhi\u00ea\u0323m vu\u0323 ch\u0103\u0301p n\u00f4\u0301i gi\u01b0\u0303a ng\u01b0\u01a1\u0300i co\u0301 ti\u00ea\u0300n (hay co\u0300n go\u0323i la\u0300 nha\u0300 \u0111\u00e2\u0300u t\u01b0) \u0111\u00ea\u0309 cho ng\u01b0\u01a1\u0300i co\u0301 nhu c\u00e2\u0300u vay v\u00f4\u0301n. Loa\u0323i hi\u0300nh na\u0300y kh\u00f4ng hoa\u0323t \u0111\u00f4\u0323ng gi\u00f4\u0301ng nh\u01b0 h\u00ea\u0323 th\u00f4\u0301ng ng\u00e2n ha\u0300ng ma\u0300 se\u0303 k\u00ea\u0301t n\u00f4\u0301i gi\u01b0\u0303a ng\u01b0\u01a1\u0300i vay v\u01a1\u0301i ng\u01b0\u01a1\u0300i \u0111i vay qua \u01b0\u0301ng du\u0323ng c\u00f4ng ngh\u00ea\u0323 th\u00f4ng tin. Ca\u0301ch vay na\u0300y r\u00e2\u0301t \u0111\u01a1n gia\u0309n va\u0300 thu\u00e2\u0323n ti\u00ea\u0323n.<\/p>\n<p>Du\u0300 m\u01a1\u0301i xu\u00e2\u0301t hi\u00ea\u0323n \u01a1\u0309 n\u01b0\u01a1\u0301c ta \u0111\u01b0\u01a1\u0323c khoa\u0309ng 5 n\u0103m, nh\u01b0ng c\u00e1c c\u00f4ng ty finteech \u0111a\u0303 c\u00f3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng va\u0300 kh\u00e1ch h\u00e0ng. Co\u0301 nhi\u00ea\u0300u ly\u0301 do \u0111\u00ea\u0309 ng\u01b0\u01a1\u0300i d\u00e2n ti\u0300m \u0111\u00ea\u0301n ca\u0301c c\u00f4ng ty P2P. N\u00ea\u0301u nh\u01b0 vay ti\u00ea\u0300n ta\u0323i ng\u00e2n ha\u0300ng, ng\u01b0\u1eddi vay\u00a0pha\u0309i co\u0301 ta\u0300i sa\u0309n ba\u0309o \u0111a\u0309m v\u01a1\u0301i nhi\u00ea\u0300u thu\u0309 tu\u0323c r\u01b0\u01a1\u0300m ra\u0300, th\u01a1\u0300i gian ch\u01a1\u0300 \u0111\u01a1\u0323i l\u00e2u thi\u0300 vay v\u00f4\u0301n qua ca\u0301c c\u00f4ng ty c\u00f4ng ngh\u00ea\u0323 se\u0303 ch\u1ec9 m\u1ea5t khoa\u0300ng va\u0300i chu\u0323c phu\u0301t, th\u00e2\u0323m chi\u0301 i\u0301t h\u01a1n l\u00e0 ng\u01b0\u1eddi vay \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n vay.<\/p>\n<p>Chuy\u00ean gia kinh t\u1ebf Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho bi\u1ebft, c\u00e1c c\u00f4ng ty fintech \u0111\u01b0\u01a1\u0323c chia la\u0300m 4 loa\u0323i ho\u1eb7c 4 c\u1ea5p \u0111\u1ed9 ho\u1ea1t \u0111\u1ed9ng: Th\u01b0\u0301 nh\u00e2\u0301t, ca\u0301c c\u00f4ng ty Finteech la\u0300 ng\u01b0\u01a1\u0300i \u0111\u01b0\u0301ng gi\u01b0\u0303a, du\u0300ng c\u00f4ng ngh\u00ea\u0323 \u0111\u00ea\u0309 k\u00ea\u0301t n\u00f4\u0301i va\u0300 nh\u01b0\u0303ng ng\u01b0\u01a1\u0300i \u0111\u00e2\u0300u t\u01b0 va\u0300 nh\u01b0\u0303ng ng\u01b0\u01a1\u0300i co\u0301 nhu c\u00e2\u0300u \u0111i vay ti\u00ea\u0300n. Th\u01b0\u0301 2 la\u0300 c\u00f4ng ty Fintech th\u00e2\u0309m \u0111i\u0323nh ng\u01b0\u01a1\u0300i \u0111i vay ti\u00ea\u0300n va\u0300 gi\u01a1\u0301i thi\u00ea\u0323u cho ng\u01b0\u01a1\u0300i cho vay ti\u00ea\u0300n. Th\u01b0\u0301 3 la\u0300 c\u00f4ng ty Fintech th\u00e2\u0309m \u0111i\u0323nh v\u00ea\u0300 la\u0303i, th\u01a1\u0300i ha\u0323n, ph\u01b0\u01a1ng pha\u0301p tra\u0309 n\u01a1\u0323 va\u0300 c\u00e2\u0301p cao nh\u00e2\u0301t la\u0300 c\u00f4ng ty Fintech kh\u00f4ng chi\u0309 ch\u0103\u0301p n\u00f4\u0301i ma\u0300 ho\u0323 co\u0300n la\u0300m ch\u01b0\u0301c n\u0103ng nh\u01b0 m\u00f4\u0323t ng\u00e2n ha\u0300ng la\u0300 huy \u0111\u00f4\u0323ng v\u00f4\u0301n va\u0300 cho vay. M\u00f4\u0303i c\u00e2\u0301p b\u00e2\u0323c co\u0301 ru\u0309i ro ri\u00eang, th\u00e2\u0323m chi\u0301 ng\u01b0\u1eddi cho vay co\u0301 th\u00ea\u0309 m\u00e2\u0301t ti\u00ea\u0300n n\u00ea\u0301u ng\u01b0\u01a1\u0300i vay kh\u00f4ng th\u01b0\u0323c hi\u00ea\u0323n \u0111u\u0301ng cam k\u00ea\u0301t.<\/p>\n<p>&#8220;Tr\u00ean th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam hi\u1ec7n co\u0301 khoa\u0309ng 100 c\u00f4ng ty fintech oa\u0323t \u0111\u00f4\u0323ng \u0111u\u0301ng nghi\u0303a va\u0300 40 c\u00f4ng ty hoa\u0323t \u0111\u00f4\u0323ng trong khu\u00f4n kh\u00f4\u0309 pha\u0301p lu\u00e2\u0323t nh\u01b0ng th\u01b0\u0323c t\u00ea\u0301 co\u0301 t\u01a1\u0301i va\u0300i tr\u0103m c\u00f4ng ty P2P hoa\u0323t \u0111\u00f4\u0323ng cho vay mang ti\u0301nh ch\u00e2\u0301t l\u01b0\u0300a \u0111a\u0309o, chi\u00ea\u0301m \u0111oa\u0323t ti\u00ea\u0300n nha\u0300 \u0111\u00e2\u0300u t\u01b0 v\u01a1\u0301i la\u0303i c\u0103\u0301t c\u00f4\u0309, n\u00ea\u0301u kh\u00f4ng tra\u0309 \u0111\u01b0\u01a1\u0323c se\u0303 s\u01b0\u0309 du\u0323ng xa\u0303 h\u00f4\u0323i \u0111en \u0111\u00ea\u0309 thu h\u00f4\u0300i ti\u00ea\u0300n va\u0300 c\u01b0\u01a1\u0303ng \u0111oa\u0323t ta\u0300i sa\u0309n\u201d. \u2013 Ti\u00ea\u0301n sy\u0303 Nguy\u00ea\u0303n Tri\u0301 Hi\u00ea\u0301u no\u0301i.<\/p>\n<p>Hi\u00ea\u0323n ta\u0323i, vi\u00ea\u0323c cho vay gi\u01b0\u0303a ca\u0301 nh\u00e2n v\u01a1\u0301i nhau \u0111\u01b0\u01a1\u0323c \u0111i\u00ea\u0300u theo quy \u0111i\u0323nh ta\u0323i B\u00f4\u0323 lu\u00e2\u0323t d\u00e2n s\u01b0\u0323 v\u01a1\u0301i la\u0303i su\u00e2\u0301t t\u00f4\u0301i \u0111a kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%. Tuy nhi\u00ean, m\u1edbi c\u00f3 khung pha\u0301p ly\u0301 cho vi\u00ea\u0323c cho vay th\u00f4ng th\u01b0\u01a1\u0300ng ma\u0300 ch\u01b0a co\u0301 quy \u0111i\u0323nh na\u0300o \u0111i\u00ea\u0300u chi\u0309nh vi\u00ea\u0323c cho vay ngang ha\u0300ng.<\/p>\n<p>Th\u1ef1c t\u1ebf cho th\u1ea5y, trong c\u00e1c ph\u01b0\u01a1ng th\u1ee9c, th\u1ee7 \u0111o\u1ea1n cho vay theo h\u00ecnh th\u1ee9c tr\u1ef1c tuy\u1ebfn c\u1ee7a t\u1ed9i ph\u1ea1m v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en th\u00ec cho vay qua m\u00f4 h\u00ecnh P2P Lending \u0111ang di\u1ec5n bi\u1ebfn ph\u1ee9c t\u1ea1p h\u01a1n c\u1ea3. Cho vay ngang h\u00e0ng c\u0169ng d\u1ec5 tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 cho m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng ti\u1ebfn h\u00e0nh tr\u1ed1n thu\u1ebf, r\u1eeda ti\u1ec1n\u2026 v\u00ec c\u00e1c c\u01a1 quan kh\u00f3 ki\u1ec3m tra ngu\u1ed3n g\u1ed1c, ki\u1ec3m so\u00e1t d\u00f2ng ti\u1ec1n, danh t\u00ednh, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay. Lu\u00e2\u0323t s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u01b0\u0301c, <em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em> chi\u0309 ra nguy\u00ean nh\u00e2n l\u00e0 do h\u00e0nh lang ph\u00e1p l\u00fd \u0111i\u1ec1u ch\u1ec9nh lo\u1ea1i h\u00ecnh n\u00e0y ho\u00e0n to\u00e0n ch\u01b0a c\u00f3. V\u1edbi lo\u1ea1i h\u00ecnh kinh t\u1ebf m\u1edbi, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh. C\u0169ng gi\u1ed1ng nh\u01b0 kh\u00f4ng th\u1ec3 \u0111em c\u00e1c quy \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh lo\u1ea1i h\u00ecnh taxi truy\u1ec1n th\u1ed1ng \u0111\u1ec3 \u00e1p d\u1ee5ng cho lo\u1ea1i h\u00ecnh taxi c\u00f4ng ngh\u1ec7 nh\u01b0 Grab hay Gojek, Uber.<\/p>\n<p>Kh\u00f4ng co\u0301 ha\u0300nh lang pha\u0301p ly\u0301, kh\u00f4ng co\u0301 quy \u0111i\u0323nh c\u00e2\u0301m, ng\u0103n ca\u0309n hay \u0111i\u00ea\u0300u ki\u00ea\u0323n kinh doanh thi\u0300 kh\u00f4ng co\u0301 b\u00e2\u0301t c\u01b0\u0301 ly\u0301 do gi\u0300 ng\u0103n c\u00e2\u0301m ng\u01b0\u01a1\u0300i ta hoa\u0323t \u0111\u00f4\u0323ng. Chuy\u00ean gia kinh t\u00ea\u0301 Vu\u0303 \u0110i\u0300nh A\u0301nh cho r\u0103\u0300ng: Khi ch\u01b0a co\u0301 n\u00ea\u0300n ta\u0309ng pha\u0301p ly\u0301 ma\u0300 ca\u0301c \u0111i\u00ea\u0300u ki\u00ea\u0323n v\u00ea\u0300 thi\u0323 tr\u01b0\u01a1\u0300ng va\u0300 c\u00f4ng ngh\u00ea\u0323 cho phe\u0301p thi\u0300 c\u00f4ng d\u00e2n \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m. V\u1edbi lo\u1ea1i h\u00ecnh cho vay ngang h\u00e0ng, n\u1ec1n t\u1ea3ng ho\u1ea1t \u0111\u1ed9ng d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 n\u00ean mang nhi\u1ec1u n\u00e9t c\u1ee7a lo\u1ea1i h\u00ecnh cho vay phi ch\u00ednh th\u1ee9c\u201d.<\/p>\n<p>Tr\u01b0\u01a1\u0301c ti\u0300nh tra\u0323ng cho vay ngang ha\u0300ng n\u01a1\u0309 r\u00f4\u0323 nh\u01b0 hi\u00ea\u0323n nay, \u0111i\u1ec1u \u0111\u1ea7u ti\u00ean l\u00e0 ph\u1ea3i t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c tuy\u00ean truy\u1ec1n nh\u1eb1m n\u00e2ng cao hi\u1ec3u bi\u1ebft c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1ec1 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc li\u00ean quan t\u1edbi\u00a0vay v\u00e0 cho vay c\u0169ng nh\u01b0\u00a0nh\u1eefng nguy c\u01a1 ti\u1ec1m \u1ea9n t\u1eeb m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (P2P Lending), t\u0103ng c\u01b0\u1eddng c\u01a1 ch\u1ebf ph\u00e1p l\u00fd b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi cho vay khi tham gia m\u00f4 h\u00ecnh P2P Lending. \u0110i\u00ea\u0300u quan tro\u0323ng nh\u00e2\u0301t la\u0300 c\u00e2\u0300n pha\u0309i x\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p lu\u1eadt qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng. Co\u0301 nh\u01b0 v\u00e2\u0323y m\u01a1\u0301i ha\u0323n ch\u00ea\u0301 t\u00f4\u0301i \u0111a ti\u0300nh tra\u0323ng vi pha\u0323m pha\u0301p lu\u00e2\u0323t trong hoa\u0323t \u0111\u00f4\u0323ng ta\u0300i chi\u0301nh khi cho vay ngang ha\u0300ng nh\u01b0 \u0111a\u0303 va\u0300 \u0111ang xa\u0309y ra.<\/p>\n<p><strong>THU H\u00c0<\/strong><\/p>\n<hr \/>\n<p><strong><em>VOV2 (Ph\u00e1p lu\u1eadt) 31-12-2020:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/vov2.vov.vn\/phap-luat\/de-cho-vay-ngang-hang-p2p-lending-phat-trien-lanh-manh-23793.vov2\"><em>https:\/\/vov2.vov.vn\/phap-luat\/de-cho-vay-ngang-hang-p2p-lending-phat-trien-lanh-manh-23793.vov2<\/em><\/a><\/p>\n<p><em>(120\/1.021)<\/em><\/p>\n<p><strong><em>\u00a0<\/em><\/strong><\/p>\n<p><strong><em>\u00a0<\/em><\/strong><\/p>\n<p><em>\u00a0<\/em>","protected":false},"excerpt":{"rendered":"<p>(VOV2) &#8211; Cho vay ngang h\u00e0ng (P2P lending) \u01a1\u0309 Vi\u00ea\u0323t Nam \u0111a\u0303 xu\u00e2\u0301t hi\u00ea\u0323n \u0111\u01b0\u01a1\u0323c khoa\u0309ng 5 n\u0103m nh\u01b0ng hi\u00ea\u0323n nay v\u1eabn ch\u01b0a c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd \u0111i\u1ec1u ch\u1ec9nh lo\u1ea1i h\u00ecnh n\u00e0y.\u00a0 \u1ea2nh Thu H\u1ea3 M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (peer-to-peer lending &#8211; P2P) l\u00e0 m\u1ed9t m\u00f4 h\u00ecnh kinh doanh s\u1eed d\u1ee5ng c\u00e1c [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":10830,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-10829","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - 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