{"id":11068,"date":"2019-12-05T10:12:36","date_gmt":"2019-12-05T03:12:36","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=11068"},"modified":"2022-03-04T10:42:11","modified_gmt":"2022-03-04T03:42:11","slug":"2-836-cho-vay-trai-phep-qua-app-can-ban-tay-sat-quan-ly","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-836-cho-vay-trai-phep-qua-app-can-ban-tay-sat-quan-ly\/","title":{"rendered":"2.836. Cho vay tr\u00e1i ph\u00e9p qua app: C\u1ea7n ‘b\u00e0n tay s\u1eaft’ qu\u1ea3n l\u00fd"},"content":{"rendered":"
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(PL) – Th\u1ea3 c\u1eeda vi\u1ec7c cho vay qua app c\u00e0ng l\u00e2u c\u00e0ng g\u00e2y b\u1ea5t \u1ed5n cho kinh t\u1ebf, x\u00e3 h\u1ed9i.<\/strong><\/div>\n<\/div>\n
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Tr\u00ean c\u00e1c s\u1ed1 b\u00e1o tr\u01b0\u1edbc,\u00a0Ph\u00e1p Lu\u1eadt TP.HCM<\/a><\/i>\u00a0\u0111\u00e3\u00a0ph\u1ea3n \u00e1nh t\u00ecnh tr\u1ea1ng<\/a>\u00a0nhan nh\u1ea3n c\u00e1c app cho vay c\u00f9ng c\u00e1ch\u00a0\u0111\u00f2i n\u1ee3 ki\u1ec3u kh\u1ee7ng b\u1ed1<\/a>\u00a0c\u1ee7a\u00a0nh\u00e2n vi\u00ean c\u00e1c app<\/a>.<\/p>\n

Theo t\u00ecm hi\u1ec3u, ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y d\u01b0\u1eddng nh\u01b0 \u0111ang b\u1ecb c\u01a1 quan ch\u1ee9c n\u0103ng b\u1ecf m\u1eb7c v\u00e0 ch\u01b0a c\u00f3 c\u01a1 quan n\u00e0o c\u00f3 th\u1ec3 th\u1ed1ng k\u00ea n\u1ed5i con s\u1ed1 ch\u00ednh x\u00e1c v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng app cho vay \u0111ang c\u00f3 m\u1eb7t t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

Ho\u1ea1t \u0111\u1ed9ng cho vay qua app l\u00e0 tr\u00e1i ph\u00e9p<\/strong><\/p>\n

\u00d4ng Nguy\u1ec5n Ho\u00e0ng Minh, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Chi nh\u00e1nh TP.HCM, cho hay: B\u1ea5t k\u1ef3 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00e0o mu\u1ed1n th\u1ef1c hi\u1ec7n c\u00e1c nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng nh\u01b0 huy \u0111\u1ed9ng v\u00e0 cho vay, bao g\u1ed3m c\u00e1c h\u00ecnh th\u1ee9c huy \u0111\u1ed9ng v\u00e0 cho vay qua app (hay c\u00f2n g\u1ecdi vay ngang h\u00e0ng – P2P lending), bu\u1ed9c ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NHNN. Ch\u00ednh v\u00ec v\u1eady, nh\u1eefng app th\u1ef1c hi\u1ec7n huy \u0111\u1ed9ng v\u00e0 cho vay khi ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p \u0111\u1ec1u l\u00e0 ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng h\u1ee3p ph\u00e1p.<\/p>\n

Ph\u00e2n t\u00edch s\u00e2u h\u01a1n, lu\u1eadt s\u01b0 (LS) Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI) n\u00f3i: Vay qua app l\u00e0 c\u00e1ch cho vay tr\u1ef1c ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi cho vay v\u1edbi ng\u01b0\u1eddi vay th\u00f4ng qua n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 k\u1ebft n\u1ed1i tr\u1ef1c tuy\u1ebfn m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 tham gia c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. C\u00e1c app cho vay d\u1ec5 l\u1ea5n s\u00e2n sang m\u1ed9t s\u1ed1 kh\u00e2u thu\u1ed9c v\u1ec1 ch\u1ee9c n\u0103ng, nhi\u1ec7m v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng. Hi\u1ec7n cho vay qua app, d\u1ea5u hi\u1ec7u ph\u1ea1m ph\u00e1p l\u00e0 r\u00f5, c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n ph\u1ea3i ki\u1ec3m tra s\u00e2u v\u00e0o c\u00e1c giao d\u1ecbch m\u1edbi c\u00f3 th\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c. \u201cL\u00e3i su\u1ea5t c\u00e1c app ch\u1ec9 \u0111\u1ec3 m\u1ee9c 19%\/n\u0103m nh\u01b0ng c\u00e1c lo\u1ea1i ph\u00ed c\u1ed9ng d\u1ed3n th\u00ec l\u00e3i su\u1ea5t cao g\u1ea5p nhi\u1ec1u l\u1ea7n\u2026\u201d – LS \u0110\u1ee9c n\u00f3i.<\/p>\n

ThS Nguy\u1ec5n Th\u1ecb Th\u01b0\u01a1ng (gi\u1ea3ng vi\u00ean Tr\u01b0\u1eddng \u0110H Lu\u1eadt TP.HCM) c\u0169ng cho hay l\u00e0 ch\u1ec9 c\u00f3 c\u00e1c t\u1ed5 ch\u1ee9c c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, \u0111\u01b0\u1ee3c NHNN c\u1ea5p gi\u1ea5y ph\u00e9p m\u1edbi \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

\"Cho<\/a>
\nC\u00e1c chuy\u00ean gia \u0111\u1ec1 ngh\u1ecb c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n s\u1edbm qu\u1ea3n l\u00fd vi\u1ec7c cho vay qua app. \u1ea2nh: TT<\/em><\/p>\n

G\u00e2y b\u1ea5t \u1ed5n x\u00e3 h\u1ed9i<\/strong><\/p>\n

LS Nguy\u1ec5n Qu\u1ed1c C\u01b0\u1eddng (\u0110o\u00e0n LS TP.HCM) c\u0169ng cho bi\u1ebft l\u00e0 Vi\u1ec7t Nam hi\u1ec7n ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng P2P lending v\u00e0 m\u1ed9t s\u1ed1 ng\u01b0\u1eddi l\u1ee3i d\u1ee5ng n\u00f3 \u0111\u1ec3 cho vay l\u00e3i n\u1eb7ng tr\u00e1 h\u00ecnh. C\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng nh\u01b0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh cho vay l\u00e3i n\u1eb7ng, t\u1ef1 \u0111\u1ee9ng ra cho vay v\u1edbi l\u00e3i su\u1ea5t r\u1ea5t cao\u2026 g\u00e2y b\u1ea5t \u1ed5n \u0111\u1ebfn an ninh kinh t\u1ebf v\u00e0 \u1ed5n \u0111\u1ecbnh x\u00e3 h\u1ed9i.<\/p>\n

NHNN c\u00f3 v\u0103n b\u1ea3n (s\u1ed1 5228 NHNN-CSTT ng\u00e0y 8-7-2019) kh\u1eb3ng \u0111\u1ecbnh ph\u00e1p lu\u1eadt Vi\u1ec7t Nam hi\u1ec7n nay ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng P2P lending, \u0111\u1ed3ng th\u1eddi c\u1ea3nh b\u00e1o m\u00f4 h\u00ecnh n\u00e0y ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro v\u1ec1 th\u00f4ng tin, r\u1ee7i ro ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n, r\u1ee7i ro an ninh m\u1ea1ng… c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng b\u1ea5t l\u1ee3i, b\u1ea5t \u1ed5n \u0111\u1ebfn an sinh x\u00e3 h\u1ed9i.<\/p>\n

\u0110\u1ec3 tr\u00e1nh ph\u00e1t sinh nh\u1eefng h\u1ec7 l\u1ee5y, Ch\u00ednh ph\u1ee7 c\u1ea7n s\u1edbm ban h\u00e0nh khung ph\u00e1p l\u00fd \u0111\u1ec3 qu\u1ea3n l\u00fd lo\u1ea1i h\u00ecnh n\u00e0y, \u0111\u1ed3ng th\u1eddi c\u1ea3nh b\u00e1o nh\u1eefng nguy c\u01a1, r\u1ee7i ro m\u00e0 ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 P2P lending.<\/p>\n

C\u1ea1nh \u0111\u00f3, c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n gi\u00e1m s\u00e1t, x\u1eed l\u00fd k\u1ecbp th\u1eddi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00fap b\u00f3ng \u0111\u1ec3 cho vay l\u00e3i n\u1eb7ng tr\u00e1 h\u00ecnh\u2026<\/p>\n

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G\u1ea7n nh\u01b0 t\u1ea5t c\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c app \u0111\u1ec1u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua thu\u1eadt to\u00e1n.<\/p>\n

Ch\u1ec9 c\u1ea7n ng\u01b0\u1eddi vay cung c\u1ea5p s\u1ed1 ch\u1ee9ng minh nh\u00e2n d\u00e2n, \u0111i\u1ec7n tho\u1ea1i th\u00ec app \u0111\u00e3 n\u1eafm trong tay t\u1ea5t c\u1ea3 th\u00f4ng tin c\u00e1 nh\u00e2n, b\u1ea1n b\u00e8, danh b\u1ea1 \u0111i\u1ec7n tho\u1ea1i, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u01a1 quan\u2026 Nh\u1eefng app n\u00e0y k\u1ebft n\u1ed1i v\u1edbi Facebook, Twitter, Instagram\u2026 \u0110\u00f3 l\u00e0 l\u00fd do v\u00ec sao m\u00e0 m\u1ed9t ng\u01b0\u1eddi vay nh\u01b0ng \u201cc\u1ea3 h\u1ecd, c\u1ea3 c\u01a1 quan\u201d b\u1ecb \u0111\u00f2i.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

D\u1ea5u hi\u1ec7u h\u00ecnh s\u1ef1<\/strong><\/p>\n

LS T\u1ea1 Minh Tr\u00ecnh (\u0110o\u00e0n LS TP.HCM) cho r\u1eb1ng ngo\u00e0i chuy\u1ec7n ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng ph\u00e9p th\u00ec v\u1edbi l\u00e3i su\u1ea5t kh\u1ee7ng (h\u01a1n 1.600%\/n\u0103m – PV) m\u00e0 c\u00e1c app \u0111ang \u00e1p d\u1ee5ng, b\u00ean cho vay c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a t\u1ed9i cho vay l\u00e3i n\u1eb7ng theo BLHS. Tuy nhi\u00ean, vi\u1ec7c x\u1eed l\u00fd t\u1ed9i danh n\u00e0y kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n v\u00ec h\u1ea7u h\u1ebft giao d\u1ecbch qua \u1ee9ng d\u1ee5ng, c\u01a1 quan t\u1ed1 t\u1ee5ng kh\u00f3 ch\u1ee9ng minh. Mu\u1ed1n x\u1eed l\u00fd ph\u1ea3i c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p \u0111\u1ed3ng b\u1ed9 gi\u1eefa nhi\u1ec1u c\u01a1 quan.<\/p>\n

\u0110\u1ed3ng th\u1eddi vi\u1ec7c b\u00f4i nh\u1ecd, x\u00fac ph\u1ea1m danh d\u1ef1 ng\u01b0\u1eddi vay, qu\u1ea5y r\u1ed1i, l\u00e0m phi\u1ec1n ng\u01b0\u1eddi th\u00e2n trong gia \u0111\u00ecnh c\u1ee7a ng\u01b0\u1eddi vay t\u00f9y t\u1eebng t\u00ednh ch\u1ea5t, m\u1ee9c \u0111\u1ed9 th\u00ec c\u00f3 th\u1ec3 b\u1ecb x\u1eed l\u00fd v\u1ec1 t\u1ed9i l\u00e0m nh\u1ee5c ng\u01b0\u1eddi kh\u00e1c theo \u0110i\u1ec1u 155 v\u00e0 t\u1ed9i x\u00e2m ph\u1ea1m b\u00ed m\u1eadt ho\u1eb7c an to\u00e0n th\u01b0 t\u00edn, \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c h\u00ecnh th\u1ee9c trao \u0111\u1ed5i th\u00f4ng tin ri\u00eang t\u01b0 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c theo \u0110i\u1ec1u 159 BLHS 2015 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017).<\/p>\n

V\u1ec1 g\u00f3c \u0111\u1ed9 qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, B\u1ed9 TT&TT c\u1ea7n c\u00f3 gi\u1ea3i ph\u00e1p ch\u1eb7n c\u00e1c \u1ee9ng d\u1ee5ng cho vay n\u00e0y v\u00e0 h\u1ea1n ch\u1ebf t\u1ed1i \u0111a vi\u1ec7c qu\u1ea3ng c\u00e1o, ti\u1ebfp c\u1eadn \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00f9ng Internet. C\u01a1 quan ch\u1ee9c n\u0103ng ph\u1ea3i x\u1eed l\u00fd nghi\u00eam khi ph\u00e1t hi\u1ec7n c\u00f3 \u1ee9ng d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ch\u1ee9c n\u0103ng ng\u00e0nh ngh\u1ec1 doanh nghi\u1ec7p \u0111\u00e3 \u0111\u0103ng k\u00fd, \u0111\u1eb7c bi\u1ec7t ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng khi kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh.<\/p>\n

\u0110\u1ed1i v\u1edbi NHNN v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n c\u00f3 c\u01a1 ch\u1ebf cho vay linh ho\u1ea1t, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p s\u1edbm ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c vi\u1ec7c vay v\u1ed1n. Song song \u0111\u00f3 l\u00e0 c\u1ea7n tuy\u00ean truy\u1ec1n r\u1ed9ng r\u00e3i \u0111\u1ebfn ng\u01b0\u1eddi d\u00e2n v\u1ec1 lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 n\u00e0y \u0111\u1ec3 h\u1ecd hi\u1ec3u v\u00e0 h\u1ea1n ch\u1ebf vi\u1ec7c s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 \u0111\u1ec3 kh\u00f4ng r\u01b0\u1edbc h\u1ecda v\u00e0o th\u00e2n.<\/p>\n

ThS Nguy\u1ec5n Th\u1ecb Th\u01b0\u01a1ng (gi\u1ea3ng vi\u00ean Tr\u01b0\u1eddng \u0110H Lu\u1eadt) cho bi\u1ebft theo Ngh\u1ecb \u0111\u1ecbnh 96\/2014 (s\u1ebd \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng Ngh\u1ecb \u0111\u1ecbnh 88\/2019 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 31-12-2019), vi\u1ec7c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p s\u1ebd b\u1ecb ph\u1ea1t t\u1eeb 400 tri\u1ec7u \u0111\u1ebfn 500 tri\u1ec7u \u0111\u1ed3ng c\u00f9ng h\u00e0ng lo\u1ea1t h\u00ecnh th\u1ee9c ph\u1ea1t b\u1ed5 sung kh\u00e1c.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp d\u01b0\u1edbi d\u1ea1ng c\u00f4ng ty t\u00e0i ch\u00ednh (l\u00e0 lo\u1ea1i h\u00ecnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng – PV) c\u00f3 \u0111\u1ee7 gi\u1ea5y ph\u00e9p th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng trong qu\u00e1 tr\u00ecnh thu h\u1ed3i n\u1ee3, s\u1ed1 l\u1ea7n nh\u1eafc n\u1ee3 kh\u00f4ng qu\u00e1 n\u0103m l\u1ea7n\/ng\u00e0y (trong kho\u1ea3ng th\u1eddi gian 7-21 gi\u1edd; 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\u2026<\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh vi ph\u1ea1m trong vi\u1ec7c nh\u1eafc n\u1ee3 s\u1ebd b\u1ecb ph\u1ea1t t\u1eeb 20 tri\u1ec7u \u0111\u1ebfn 30 tri\u1ec7u \u0111\u1ed3ng (tr\u01b0\u1edbc ng\u00e0y 31-12-2019 th\u00ec kh\u00f4ng c\u00f3 c\u00e1c quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1 trong c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh v\u1ec1 x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng).<\/p>\n

\n\n\n\n
C\u00e1ch th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t, l\u00e3i ph\u1ea1t\u2026 c\u0169ng theo quan \u0111i\u1ec3m \u201c\u0111i v\u1edbi b\u1ee5t m\u1eb7c \u00e1o c\u00e0 sa, \u0111i v\u1edbi ma m\u1eb7c \u00e1o gi\u1ea5y\u201d. T\u1ee9c l\u00e3i su\u1ea5t s\u1ebd theo t\u1eebng \u0111\u1ed1i t\u01b0\u1ee3ng, t\u1eebng ho\u00e0n c\u1ea3nh gia \u0111\u00ecnh ch\u1ee9 kh\u00f4ng h\u1ec1 c\u1ed1 \u0111\u1ecbnh.<\/p>\n

Th\u1eddi gian qua, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i thu\u00ea ng\u01b0\u1eddi Vi\u1ec7t Nam \u0111\u1ee9ng t\u00ean mua \u0111\u1ea5t, x\u00e2y d\u1ef1ng nh\u00e0 x\u01b0\u1edfng, c\u01a1 s\u1edf kinh doanh, t\u1ed5 ch\u1ee9c \u0111\u00e1nh b\u1ea1c… di\u1ec5n ra \u1edf nhi\u1ec1u \u0111\u1ecba ph\u01b0\u01a1ng\u2026 C\u1eed tri \u0111\u1ec1 ngh\u1ecb Ch\u00ednh ph\u1ee7 ch\u1ec9 \u0111\u1ea1o c\u00e1c b\u1ed9, ng\u00e0nh li\u00ean quan, UBND c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi vi\u1ec7c nh\u1eadp c\u1ea3nh, c\u01b0 tr\u00fa c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i tr\u00ean \u0111\u1ecba b\u00e0n. \u0110\u1ed3ng th\u1eddi x\u1eed l\u00fd nghi\u00eam nh\u1eefng ng\u01b0\u1eddi Vi\u1ec7t m\u00f3c n\u1ed1i, che gi\u1ea5u, ti\u1ebfp tay cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

C\u1eed tri c\u0169ng \u0111\u1ec1 ngh\u1ecb Ch\u00ednh ph\u1ee7 ch\u1ec9 \u0111\u1ea1o B\u1ed9 C\u00f4ng an, B\u1ed9 T\u00e0i ch\u00ednh, B\u1ed9 TT&TT ph\u1ed1i h\u1ee3p ki\u1ec3m tra, x\u1eed l\u00fd c\u00e1c n\u1ec1n t\u1ea3ng d\u1ecbch v\u1ee5 cho vay online tr\u00ean c\u00e1c thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed th\u00f4ng minh c\u00f3 t\u00ednh ch\u1ea5t \u201ct\u00edn d\u1ee5ng \u0111en\u201d hi\u1ec7n nay.<\/p>\n

V\u0103n b\u1ea3n c\u1ee7a V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7 g\u1eedi B\u1ed9 C\u00f4ng an truy\u1ec1n \u0111\u1ea1t \u00fd ki\u1ebfn c\u1ee7a Th\u1ee7 t\u01b0\u1edbng tr\u1ea3 l\u1eddi ki\u1ebfn ngh\u1ecb c\u1ee7a c\u1eed tri\u00a0t\u1ea1i k\u1ef3 h\u1ecdp th\u1ee9 8, Qu\u1ed1c h\u1ed9i kh\u00f3a XIV<\/i><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

\n\n\n\n
C\u1ea7n s\u1edbm \u0111\u01b0a v\u00e0o khu\u00f4n kh\u1ed5<\/p>\n

\u2022 TS C\u1ea4N V\u0102N L\u1ef0C,\u00a0<\/b>Gi\u00e1m \u0111\u1ed1c Tr\u01b0\u1eddng \u0110\u00e0o t\u1ea1o BIDV:<\/i>\u00a0N\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 cho vay qua app l\u00e0 xu th\u1ebf t\u1ea5t y\u1ebfu trong b\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng s\u1ed1 v\u00e0 t\u00e0i ch\u00ednh s\u1ed1 ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n.<\/p>\n

B\u1ea3n th\u00e2n\u00a0app cho vay<\/a>\u00a0c\u0169ng c\u00f3 nhi\u1ec1u \u01b0u \u0111i\u1ec3m, \u0111\u00f3 l\u00e0 chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng th\u1ea5p, ti\u1ec7n l\u1ee3i, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, \u0111\u00e1p \u1ee9ng m\u1ecdi n\u01a1i, m\u1ecdi l\u00fac v\u00e0 bao g\u1ed3m c\u1ea3 kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n. Tuy nhi\u00ean, th\u1eddi gian v\u1eeba qua x\u1ea3y ra t\u00ecnh tr\u1ea1ng app bi\u1ebfn t\u01b0\u1edbng, tr\u00e1 h\u00ecnh t\u00edn d\u1ee5ng \u0111en, l\u00e0m \u1ea3nh h\u01b0\u1edfng chung \u0111\u1ebfn c\u1ea3 th\u1ecb tr\u01b0\u1eddng cho vay. Do v\u1eady c\u1ea7n c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd cho lo\u1ea1i h\u00ecnh n\u00e0y.<\/p>\n

Ph\u00eda kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 l\u1ed7i l\u00e0 ch\u01b0a t\u00ecm hi\u1ec3u k\u1ef9 th\u00f4ng tin v\u1ec1 app, th\u1ea5y d\u1ec5 l\u00e0 vay m\u00e0 kh\u00f4ng c\u1ea7n xem x\u00e9t h\u1eadu qu\u1ea3.<\/p>\n

\u2022\u00a0<\/b>\u00d4ng\u00a0ARTEM ANDREEV,\u00a0<\/b>Ch\u1ee7 t\u1ecbch C\u00f4ng ty T\u01b0 v\u1ea5n t\u00e0i ch\u00ednh LGC:<\/i>\u00a0C\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n quy \u0111\u1ecbnh c\u00e1c c\u00f4ng ty cho vay ngang h\u00e0ng ph\u1ea3i k\u1ebft h\u1ee3p v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0, kh\u00e1ch h\u00e0ng vay. \u0110\u1ed3ng th\u1eddi c\u1ea7n c\u00f3 quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ch\u1ec9 cung c\u1ea5p cho nh\u00e0 \u0111\u1ea7u t\u01b0 khi kh\u00e1ch h\u00e0ng vi ph\u1ea1m ngh\u0129a v\u1ee5 thanh to\u00e1n, nh\u1eb1m h\u1ea1n ch\u1ebf c\u00e1c b\u00ean kh\u00f4ng li\u00ean quan ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng.<\/p>\n

\u2022 LS TR\u01af\u01a0NG THANH \u0110\u1ee8C:<\/b>\u00a0S\u1ef1 ch\u1eadm tr\u1ec5 qu\u1ea3n l\u00fd c\u00f3 th\u1ec3 g\u00e2y n\u00ean r\u1ee7i ro h\u1ec7 th\u1ed1ng v\u00e0 s\u1ef1 b\u1ea5t \u1ed5n cho n\u1ec1n kinh t\u1ebf – x\u00e3 h\u1ed9i. Hi\u1ec7n s\u1ef1 ph\u1ed1i h\u1ee3p c\u1ee7a c\u00e1c c\u01a1 quan ban ng\u00e0nh c\u00f2n ch\u1ed3ng ch\u00e9o, thi\u1ebfu \u0111\u1ed3ng b\u1ed9 \u0111\u1ec3 c\u00f3 th\u1ec3 ban h\u00e0nh m\u1ed9t khung ph\u00e1p l\u00fd ho\u00e0n ch\u1ec9nh cho ho\u1ea1t \u0111\u1ed9ng P2P lending.<\/p>\n

Cho vay ngang h\u00e0ng n\u1ebfu ho\u1ea1t \u0111\u1ed9ng nghi\u00eam t\u00fac s\u1ebd g\u00f3p ph\u1ea7n tri\u1ec7t ti\u00eau t\u00edn d\u1ee5ng \u0111en. Nh\u01b0ng \u0111\u1ec3 m\u00f4 h\u00ecnh n\u00e0y ph\u00e1t huy hi\u1ec7u qu\u1ea3 th\u00ec c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n s\u1edbm \u0111\u01b0a v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn v\u00e0 c\u00f3 bi\u1ec7n ph\u00e1p ch\u1ebf t\u00e0i, h\u00e0nh lang ph\u00e1p l\u00fd r\u00f5 r\u00e0ng, minh b\u1ea1ch v\u00e0 cung c\u1ea5p th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7 cho ng\u01b0\u1eddi vay v\u00e0 c\u1ea3 nh\u00e0 \u0111\u1ea7u t\u01b0. Ch\u1ec9 khi n\u00e0o c\u00f3 quy \u0111\u1ecbnh x\u1eed l\u00fd c\u1ee5 th\u1ec3 th\u00ec cho vay qua app n\u00fap b\u00f3ng t\u00edn d\u1ee5ng \u0111en m\u1edbi b\u1ecb ch\u1ea5m d\u1ee9t ho\u1ea1t \u0111\u1ed9ng ho\u1eb7c r\u00fat lui kh\u1ecfi th\u1ecb tr\u01b0\u1eddng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n

Th\u00f9y Linh – Y\u1ebfn Ch\u00e2u<\/strong><\/p>\n

——————<\/p>\n

B\u00e1o Ph\u00e1p lu\u1eadt TP. HCM (Th\u1eddi s\u1ef1) 05-12-2019:<\/b><\/em><\/p>\n

Cho vay tr\u00e1i ph\u00e9p qua app: C\u1ea7n ‘b\u00e0n tay s\u1eaft’ qu\u1ea3n l\u00fd | Th\u1eddi s\u1ef1 | PLO<\/a><\/p>\n

(291\/1.851)<\/em>","protected":false},"excerpt":{"rendered":"

(PL) – Th\u1ea3 c\u1eeda vi\u1ec7c cho vay qua app c\u00e0ng l\u00e2u c\u00e0ng g\u00e2y b\u1ea5t \u1ed5n cho kinh t\u1ebf, x\u00e3 h\u1ed9i. Tr\u00ean c\u00e1c s\u1ed1 b\u00e1o tr\u01b0\u1edbc,\u00a0Ph\u00e1p Lu\u1eadt TP.HCM\u00a0\u0111\u00e3\u00a0ph\u1ea3n \u00e1nh t\u00ecnh tr\u1ea1ng\u00a0nhan nh\u1ea3n c\u00e1c app cho vay c\u00f9ng c\u00e1ch\u00a0\u0111\u00f2i n\u1ee3 ki\u1ec3u kh\u1ee7ng b\u1ed1\u00a0c\u1ee7a\u00a0nh\u00e2n vi\u00ean c\u00e1c app. Theo t\u00ecm hi\u1ec3u, ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y d\u01b0\u1eddng nh\u01b0 \u0111ang […]<\/p>\n","protected":false},"author":10,"featured_media":11070,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-11068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.836. Cho vay tr\u00e1i ph\u00e9p qua app: C\u1ea7n 'b\u00e0n tay s\u1eaft' qu\u1ea3n l\u00fd - 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\/vi\/2-836-cho-vay-trai-phep-qua-app-can-ban-tay-sat-quan-ly\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.836. Cho vay tr\u00e1i ph\u00e9p qua app: C\u1ea7n 'b\u00e0n tay s\u1eaft' qu\u1ea3n l\u00fd[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(PL) – Th\u1ea3 c\u1eeda vi\u1ec7c cho vay qua app c\u00e0ng l\u00e2u c\u00e0ng g\u00e2y b\u1ea5t \u1ed5n cho kinh t\u1ebf, x\u00e3 h\u1ed9i. 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