{"id":11294,"date":"2019-08-09T15:39:29","date_gmt":"2019-08-09T08:39:29","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=11294"},"modified":"2022-03-04T15:45:08","modified_gmt":"2022-03-04T08:45:08","slug":"2-725-bung-no-cho-vay-khong-gap-mat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-725-bung-no-cho-vay-khong-gap-mat\/","title":{"rendered":"2.725. B\u00f9ng n\u1ed5 cho vay kh\u00f4ng g\u1eb7p m\u1eb7t"},"content":{"rendered":"(TN) – Theo Ch\u1ee7 t\u1ecbch T\u1eadp \u0111o\u00e0n NextTech Nguy\u1ec5n H\u00f2a B\u00ecnh, c\u00f3 kho\u1ea3ng 60 – 70 doanh nghi\u1ec7p<\/a>\u00a0cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay ngang h\u00e0ng c\u1ee7a Trung Qu\u1ed1c \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i VN sau khi m\u00f4 h\u00ecnh n\u00e0y \u0111\u1ed5 v\u1ee1 t\u1ea1i n\u01b0\u1edbc s\u1edf t\u1ea1i.<\/strong><\/p>\n

S\u00e0n cho vay ngang h\u00e0ng Tima c\u00f3 nhi\u1ec1u \u0111\u1ecba \u0111i\u1ec3m giao d\u1ecbch kh\u1eafp n\u01a1i<\/p>\n

\"\"<\/p>\n

\u1ea2nh: Kh\u1ea3 H\u00f2a<\/em><\/p>\n

Ch\u1ec9 m\u1ed9t th\u1eddi gian ng\u1eafn, c\u00f3 h\u00e0ng tr\u0103m c\u00f4ng ty trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc tham gia l\u0129nh v\u1ef1c\u00a0cho vay ngang h\u00e0ng, kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t<\/a>\u00a0v\u1edbi m\u1ee9c\u00a0l\u00e3i su\u1ea5t<\/a>\u00a0c\u1ef1c cao, trong \u0111\u00f3 c\u00f3 nhi\u1ec1u c\u00f4ng ty \u0111\u1ebfn t\u1eeb Trung Qu\u1ed1c, \u0111\u1ea5t n\u01b0\u1edbc v\u1eeba tr\u1ea3i qua t\u00ecnh tr\u1ea1ng v\u1ee1 n\u1ee3 h\u00e0ng lo\u1ea1t m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng sau m\u1ed9t th\u1eddi gian n\u1edf r\u1ed9.<\/p>\n

Ch\u1ee7 t\u1ecbch T\u1eadp \u0111o\u00e0n NextTech Nguy\u1ec5n H\u00f2a B\u00ecnh m\u1edbi \u0111\u00e2y \u0111\u00e3 g\u00e2y cho\u00e1ng cho\u00a0th\u1ecb tr\u01b0\u1eddng\u00a0<\/a>t\u00e0i ch\u00ednh<\/a>\u00a0trong n\u01b0\u1edbc khi c\u00f4ng b\u1ed1, c\u00f3 kho\u1ea3ng 60 – 70 doanh nghi\u1ec7p (DN) cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay ngang h\u00e0ng c\u1ee7a Trung Qu\u1ed1c \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i VN sau khi m\u00f4 h\u00ecnh n\u00e0y \u0111\u1ed5 v\u1ee1 t\u1ea1i n\u01b0\u1edbc s\u1edf t\u1ea1i.<\/p>\n

\"\"<\/p>\n\n\n\n
Ho\u1ea1t \u0111\u1ed9ng t\u1ea1i C\u00f4ng ty Vay M\u01b0\u1ee3n – m\u1ed9t trong nhi\u1ec1u c\u00f4ng ty cung c\u1ea5p d\u1ecbch v\u1ee5 P2P t\u1ea1i VN<\/p>\n

\u1ea2nh: Ng\u1ecdc Th\u1eafng<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00f2n theo kh\u1ea3o s\u00e1t c\u1ee7a Vi\u1ec7n Nghi\u00ean c\u1ee9u\u00a0ph\u00e1t tri\u1ec3n<\/a>\u00a0c\u00f4ng ngh\u1ec7<\/a>\u00a0ng\u00e2n h\u00e0ng<\/a>\u00a0\u0110\u1ea1i h\u1ecdc Qu\u1ed1c gia TP.HCM, t\u00ednh \u0111\u1ebfn th\u00e1ng 5.2019 c\u00f3 155 c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) \u0111ang ho\u1ea1t \u0111\u1ed9ng \u1edf VN. Trong \u0111\u00f3 t\u1eadp trung nhi\u1ec1u \u1edf m\u1ea3ng ti\u1ec1n s\u1ed1, chuy\u1ec3n ti\u1ec1n, blockchain, ph\u00e2n t\u00edch x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m thanh to\u00e1n v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed. Ri\u00eang s\u1ed1 \u0111\u01a1n v\u1ecb th\u1ef1c hi\u1ec7n cho vay l\u00e0 25 DN. Tr\u01b0\u1edbc \u0111\u00f3, v\u00e0o th\u00e1ng 4, s\u1ed1 li\u1ec7u c\u00f4ng b\u1ed1 kh\u1ea3o s\u00e1t th\u1ecb tr\u01b0\u1eddng c\u1ee7a c\u00e1c b\u1ed9 ng\u00e0nh do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u01b0a ra cho bi\u1ebft t\u1ea1i VN c\u00f3 kho\u1ea3ng 40 c\u00f4ng ty cho vay ngang h\u00e0ng, trong \u0111\u00f3 c\u00f3 kho\u1ea3ng 10 c\u00f4ng ty c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb Trung Qu\u1ed1c, Indonesia, Singapore…<\/p>\n

L\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 600 – 700%\/n\u0103m<\/strong><\/p>\n

Ch\u01b0a bi\u1ebft con s\u1ed1 ch\u00ednh x\u00e1c l\u00e0 bao nhi\u00eau nh\u01b0ng nh\u1eefng s\u00e0n giao d\u1ecbch k\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi c\u00f3 ti\u1ec1n cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay m\u00e0 kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t (hay c\u00f2n g\u1ecdi l\u00e0 cho vay ngang h\u00e0ng – P2P Lending) nh\u01b0 Tima, Vaymuon.vn, Fiin, huydong.com, Doctordong… \u0111\u00e3 \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi bi\u1ebft \u0111\u1ebfn. C\u00e1c g\u00f3i vay \u0111\u01b0\u1ee3c cung c\u1ea5p t\u01b0\u01a1ng t\u1ef1 v\u1edbi nh\u1eefng c\u00f4ng ty t\u00e0i ch\u00ednh, t\u1eeb t\u00edn ch\u1ea5p, th\u1ebf ch\u1ea5p \u0111\u1ebfn mua tr\u1ea3 g\u00f3p nh\u01b0 vay t\u00edn ch\u1ea5p theo l\u01b0\u01a1ng, vay tr\u1ea3 g\u00f3p theo ng\u00e0y, vay theo s\u1ed5 h\u1ed9 kh\u1ea9u, h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc, vay c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, vay c\u1ea7m c\u1ed1 \u00f4 t\u00f4 \u0111ang th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng, vay mua \u00f4 t\u00f4, nh\u00e0 tr\u1ea3 g\u00f3p… \u0111\u1ec1u c\u00f3 l\u00e3i su\u1ea5t \u201cc\u1eaft c\u1ed5\u201d.<\/p>\n

Ch\u1ee7 t\u1ecbch T\u1eadp \u0111o\u00e0n NextTech Nguy\u1ec5n H\u00f2a B\u00ecnh m\u1edbi \u0111\u00e2y \u0111\u00e3 g\u00e2y cho\u00e1ng cho th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh trong n\u01b0\u1edbc khi c\u00f4ng b\u1ed1, c\u00f3 kho\u1ea3ng 60 – 70 doanh nghi\u1ec7p cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay ngang h\u00e0ng c\u1ee7a Trung Qu\u1ed1c \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i VN sau khi m\u00f4 h\u00ecnh n\u00e0y \u0111\u1ed5 v\u1ee1 t\u1ea1i n\u01b0\u1edbc s\u1edf t\u1ea1i<\/p>\n

H\u00f4m qua (8.8), d\u1ea1o m\u1ed9t v\u00f2ng qua c\u00e1c s\u00e0n cho vay ngang h\u00e0ng tr\u00ean th\u1ecb tr\u01b0\u1eddng cho th\u1ea5y, l\u00e3i su\u1ea5t v\u1eabn tr\u00ean tr\u1eddi. T\u1ea1i trang doctordong.vn, m\u1ee9c ph\u00ed v\u00e0 l\u00e3i \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u n\u1ebfu kh\u00e1ch vay 1 tri\u1ec7u \u0111\u1ed3ng trong 30 ng\u00e0y th\u00ec t\u1ed5ng s\u1ed1 ti\u1ec1n kh\u00e1ch ph\u1ea3i tr\u1ea3 l\u00e0 1.391.000 \u0111\u1ed3ng. T\u00ednh ra c\u1ea3 l\u00e3i v\u00e0 ph\u00ed t\u01b0\u01a1ng \u1ee9ng 39,1%\/th\u00e1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng g\u1ea7n 470%\/n\u0103m.<\/p>\n

Ch\u01b0a d\u1eebng l\u1ea1i \u1edf \u0111\u00f3, kh\u00e1ch h\u00e0ng c\u00f2n ph\u1ea3i \u0111\u00f3ng th\u00eam ph\u00ed d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh v\u00e0 ph\u00ed qu\u1ea3n l\u00fd kho\u1ea3n vay (ph\u00ed n\u00e0y s\u1ebd c\u1ee5 th\u1ec3 theo gi\u00e1 tr\u1ecb t\u1eebng kho\u1ea3n vay), ph\u00ed b\u1ea3o hi\u1ec3m kho\u1ea3n vay hay s\u1ebd ch\u1ecbu ph\u1ea1t 300.000 \u0111\u1ed3ng\/l\u1ea7n n\u1ebfu thanh to\u00e1n tr\u1ec5 h\u1ea1n… T\u01b0\u01a1ng t\u1ef1, nhi\u1ec1u s\u00e0n cho vay qua m\u1ea1ng kh\u00e1c ch\u1ec9 gi\u1edbi thi\u1ec7u l\u00e3i su\u1ea5t t\u1eeb 1,2 – 2%\/th\u00e1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng t\u1ed1i \u0111a ch\u1ec9 24%\/n\u0103m.<\/p>\n

Nh\u01b0ng h\u00e0ng lo\u1ea1t chi ph\u00ed kh\u00e1c m\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i tr\u1ea3 th\u00eam nh\u01b0 ph\u00ed qu\u1ea3n l\u00fd kho\u1ea3n vay, ph\u00ed ph\u1ea1t tr\u1ec5 h\u1ea1n, ph\u00ed b\u1ea3o hi\u1ec3m, ph\u00ed t\u01b0 v\u1ea5n… th\u00ec ng\u01b0\u1eddi vay ti\u1ec1n qua c\u00e1c d\u1ecbch v\u1ee5 tr\u00ean m\u1ea1ng c\u00f3 th\u1ec3 s\u1ebd tr\u1ea3 t\u1ed5ng c\u1ed9ng v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5 l\u00ean \u0111\u1ebfn 600 – 700%\/n\u0103m.<\/p>\n

L\u00e3i su\u1ea5t c\u1eaft c\u1ed5, cao h\u01a1n c\u1ea3 l\u00e3i \u201cch\u1ee3 \u0111en\u201d nh\u01b0ng d\u1ecbch v\u1ee5 n\u00e0y v\u1eabn thu h\u00fat kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi, b\u1edfi vi\u1ec7c giao d\u1ecbch theo ki\u1ec3u thu\u1eadn mua v\u1eeba b\u00e1n n\u00ean di\u1ec5n ra nhanh ch\u00f3ng v\u00e0 \u0111\u1eb7c bi\u1ec7t gi\u1ea3m h\u00e0ng lo\u1ea1t th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd. \u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0, l\u1ee3i nhu\u1eadn cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi g\u1eedi ti\u1ebft ki\u1ec7m n\u00ean h\u1ecd v\u1eabn b\u1ea5t ch\u1ea5p r\u1ee7i ro h\u00f2ng ki\u1ebfm l\u1ee3i.<\/p>\n

V\u1ee1 \u1edf Trung Qu\u1ed1c, tr\u00e0n sang VN?<\/strong><\/p>\n

Theo th\u00f4ng tin \u0111\u0103ng tr\u00ean Bloomberg h\u1ed3i \u0111\u1ea7u n\u0103m nay, t\u1ed5ng n\u1ee3 x\u1ea5u c\u1ee7a\u00a0cho vay ngang h\u00e0ng t\u1ea1i Trung Qu\u1ed1c<\/a>\u00a0l\u00ean t\u1edbi 192 t\u1ec9 USD. H\u01a1n 50 tri\u1ec7u ng\u01b0\u1eddi tham gia v\u00e0o s\u00e0n giao d\u1ecbch cho vay tr\u1ef1c tuy\u1ebfn tr\u01b0\u1edbc \u0111\u00f3 \u0111\u00e3 m\u1ea5t tr\u1eafng, n\u1ee3 n\u1ea7n, th\u1eadm ch\u00ed ph\u1ea3i t\u00ecm \u0111\u1ebfn c\u00e1i ch\u1ebft. Do \u0111\u00f3, d\u00f9 kh\u00f4ng c\u00f3 s\u1ed1 li\u1ec7u ch\u00ednh x\u00e1c bao nhi\u00eau c\u00f4ng ty \u0111ang cho vay ngang h\u00e0ng c\u0169ng nh\u01b0 s\u1ed1 l\u01b0\u1ee3ng DN n\u01b0\u1edbc ngo\u00e0i v\u00e0o VN, nh\u01b0ng \u00f4ng Tr\u1ea7n \u0110\u1ea1i D\u01b0\u01a1ng, T\u1ed5ng gi\u00e1m \u0111\u1ed1c C\u00f4ng ty c\u1ed5 ph\u1ea7n Interloan (\u0111\u01a1n v\u1ecb qu\u1ea3n l\u00fd s\u00e0n P2P Interloan v\u1eeba \u0111\u01b0\u1ee3c tri\u1ec3n khai), th\u1eeba nh\u1eadn: B\u00ean c\u1ea1nh nh\u1eefng c\u00f4ng ty trong n\u01b0\u1edbc, tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 xu\u1ea5t hi\u1ec7n m\u1ed9t s\u1ed1 c\u00f4ng ty P2P c\u00f3 v\u1ed1n n\u01b0\u1edbc ngo\u00e0i. Th\u1ecb tr\u01b0\u1eddng P2P c\u1ee7a Trung Qu\u1ed1c c\u0169ng chia th\u00e0nh 2 nh\u00f3m: nh\u00f3m ho\u1ea1t \u0111\u1ed9ng b\u00e0i b\u1ea3n v\u00e0 nh\u00f3m c\u00f2n l\u1ea1i kh\u00f4ng b\u00e0i b\u1ea3n, kh\u00f4ng c\u00f3 bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0 tham gia cho vay, l\u00e3i su\u1ea5t cho vay cao.<\/p>\n

\u201cTrong tr\u01b0\u1eddng h\u1ee3p nh\u1eefng c\u00f4ng ty P2P n\u01b0\u1edbc ngo\u00e0i thu\u1ed9c nh\u00f3m th\u1ee9 2 v\u00e0o s\u1ebd \u1ea3nh h\u01b0\u1edfng x\u1ea5u cho th\u1ecb tr\u01b0\u1eddng. Ch\u00fang t\u00f4i mong ch\u1edd c\u01a1 quan ch\u1ee9c n\u0103ng s\u1edbm c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng \u0111\u1ec3 nh\u1eefng c\u00f4ng ty \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng t\u1ed1t h\u01a1n\u201d, \u00f4ng D\u01b0\u01a1ng c\u1ea3nh b\u00e1o v\u00e0 \u0111\u1ec1 xu\u1ea5t.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, C\u1ee5c C\u1ea1nh tranh v\u00e0 b\u1ea3o v\u1ec7\u00a0ng\u01b0\u1eddi\u00a0<\/a>ti\u00eau d\u00f9ng<\/a>\u00a0(B\u1ed9 C\u00f4ng th\u01b0\u01a1ng) \u0111\u00e3 nhi\u1ec1u l\u1ea7n \u0111\u01b0a ra c\u1ea3nh b\u00e1o v\u1ec1 vi\u1ec7c ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n nghi\u00ean c\u1ee9u k\u1ef9 tr\u01b0\u1edbc khi ch\u1ea5p nh\u1eadn vay qua m\u1ea1ng, \u0111\u1eb7c bi\u1ec7t v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 c\u00e1c lo\u1ea1i ph\u00ed kh\u00e1c. M\u1edbi \u0111\u00e2y v\u00e0o gi\u1eefa th\u00e1ng 7, NHNN c\u0169ng ph\u00e1t \u0111i c\u1ea3nh b\u00e1o v\u1ec1 d\u1ecbch v\u1ee5 cho vay ngang h\u00e0ng t\u1ea1i VN. Theo \u0111\u00f3, m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 th\u1ec3 l\u1ee3i d\u1ee5ng m\u00f4 h\u00ecnh P2P th\u1ef1c hi\u1ec7n h\u00e0nh vi b\u1ea5t h\u1ee3p ph\u00e1p nh\u01b0: t\u00edn d\u1ee5ng \u0111en, cho vay n\u1eb7ng l\u00e3i, cho vay c\u1ea7m \u0111\u1ed3 bi\u1ebfn t\u01b0\u1edbng, ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh \u0111a c\u1ea5p, chi\u1ebfm d\u1ee5ng v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n… Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u00f4ng ty P2P Lending v\u00e0 c\u00f4ng ty c\u1ea7m \u0111\u1ed3 c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng khi th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng d\u01b0\u1edbi h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng. NHNN nh\u1ea5n m\u1ea1nh ph\u00e1p lu\u1eadt VN hi\u1ec7n nay ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng\u00a0P2P Lending<\/a>, n\u00ean ho\u1ea1t \u0111\u1ed9ng n\u00e0y c\u00f3 nguy c\u01a1 b\u1ecb t\u1ea5n c\u00f4ng m\u1ea1ng \u0111\u00e1nh c\u1eafp th\u00f4ng tin g\u00e2y thi\u1ec7t h\u1ea1i cho c\u00e1c b\u00ean tham gia.<\/p>\n

Kh\u00f4ng ai qu\u1ea3n l\u00fd s\u00e0n cho vay<\/strong><\/p>\n

H\u1ea7u h\u1ebft nh\u1eefng c\u00f4ng ty \u0111ang cung c\u1ea5p d\u1ecbch v\u1ee5 vay qua m\u1ea1ng \u0111\u1ec1u c\u00f4ng b\u1ed1 \u0111\u0103ng k\u00fd gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng qua s\u1edf k\u1ebf ho\u1ea1ch – \u0111\u1ea7u t\u01b0 c\u00e1c t\u1ec9nh, th\u00e0nh. V\u00ed d\u1ee5 s\u00e0n octordong.vn c\u00f3 \u0111\u01a1n v\u1ecb ch\u1ee7 qu\u1ea3n l\u00e0 C\u00f4ng ty TNHH MTV t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh LGC \u0111\u01b0\u1ee3c S\u1edf K\u1ebf ho\u1ea1ch – \u0110\u1ea7u t\u01b0 TP.HCM c\u1ea5p ng\u00e0y 25.12.2015.<\/p>\n

Theo th\u00f4ng tin tr\u00ean c\u1ed5ng th\u00f4ng tin qu\u1ed1c gia v\u1ec1 \u0111\u0103ng k\u00fd DN, \u0111\u00e2y l\u00e0 c\u00f4ng ty c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i. Ng\u00e0nh ngh\u1ec1 \u0111\u0103ng k\u00fd\u00a0kinh doanh<\/a>\u00a0ch\u00ednh l\u00e0 h\u1ed7 tr\u1ee3 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e2n v\u00e0o \u0111\u00e2u (tr\u1eeb b\u1ea3o hi\u1ec3m v\u00e0 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i). B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f2n \u0111\u0103ng k\u00fd ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nh\u01b0 \u0111i\u1ec1u h\u00e0nh c\u00e1c website s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ecm ki\u1ebfm; L\u1eadp tr\u00ecnh m\u00e1y vi t\u00ednh; X\u1eed l\u00fd d\u1eef li\u1ec7u, cho thu\u00ea v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan…<\/p>\n

T\u01b0\u01a1ng t\u1ef1, C\u00f4ng ty c\u1ed5 ph\u1ea7n T\u1eadp \u0111o\u00e0n Tima (s\u1edf h\u1eefu s\u00e0n cho vay tima.vn) \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p kinh doanh b\u1edfi S\u1edf K\u1ebf ho\u1ea1ch – \u0110\u1ea7u t\u01b0 TP.H\u00e0 N\u1ed9i v\u1edbi c\u00e1c ng\u00e0nh ngh\u1ec1 ho\u1ea1t \u0111\u1ed9ng g\u1ed3m \u0111\u1ea1i l\u00fd m\u00f4i gi\u1edbi, \u0111\u1ea5u gi\u00e1 h\u00e0ng h\u00f3a; T\u01b0 v\u1ea5n, m\u00f4i gi\u1edbi, \u0111\u1ea5u gi\u00e1\u00a0b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/a>, \u0111\u1ea5u gi\u00e1 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t; L\u1eadp tr\u00ecnh m\u00e1y vi t\u00ednh; X\u1eed l\u00fd d\u1eef li\u1ec7u, cho thu\u00ea v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan…<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, nh\u1eadn \u0111\u1ecbnh c\u00e1c DN th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 P2P hi\u1ec7n nay \u0111\u0103ng k\u00fd qua c\u00e1c ng\u00e0nh ngh\u1ec1 l\u00e0m d\u1ecbch v\u1ee5, t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh th\u00ec kh\u00f4ng ph\u1ea3i l\u00e0 ng\u00e0nh kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n. V\u00ec v\u1eady, c\u00e1c DN c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd 10 ng\u00e0nh ngh\u1ec1, nh\u01b0ng c\u0169ng c\u00f3 th\u1ec3 l\u00ean 400 ng\u00e0nh kh\u00e1c nhau m\u00e0 kh\u00f4ng ai c\u1ea5m.<\/em><\/p>\n

V\u00e0 th\u1ef1c t\u1ebf sau \u0111\u00f3, DN ho\u1ea1t \u0111\u1ed9ng th\u1ebf n\u00e0o, c\u00f3 \u0111\u00fang ng\u00e0nh ngh\u1ec1 kinh doanh hay kh\u00f4ng th\u00ec kh\u00f4ng ai bi\u1ebft. Ch\u1ec9 khi n\u00e0o c\u00f3 khi\u1ebfu ki\u1ec7n th\u00ec m\u1edbi \u00e1p d\u1ee5ng c\u00e1c lu\u1eadt li\u00ean quan x\u1eed l\u00fd. H\u01a1n n\u1eefa, c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a VN v\u1eabn cho ph\u00e9p nhi\u1ec1u t\u1ed5 ch\u1ee9c cho vay nh\u01b0 ti\u1ec7m c\u1ea7m \u0111\u1ed3. Tuy nhi\u00ean, P2P l\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u00f3 s\u1ef1 pha tr\u1ed9n gi\u1eefa nhi\u1ec1u lo\u1ea1i h\u00ecnh kh\u00e1c nhau. N\u1ebfu NHNN xem n\u00f3 l\u00e0 m\u1ed9t ng\u00e0nh kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n th\u00ec c\u1ea7n s\u1edbm ban h\u00e0nh khung ph\u00e1p l\u00fd \u0111\u1ec3 c\u00f3 s\u1ef1 qu\u1ea3n l\u00fd, tr\u00e1nh nh\u1eefng r\u1ee7i ro lan truy\u1ec1n khi\u1ebfn h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi b\u1ecb m\u1ea5t ti\u1ec1n.<\/em><\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, theo TS Nguy\u1ec5n Kh\u1eafc B\u1ea3o, Tr\u01b0\u1edfng khoa T\u00e0i ch\u00ednh (Tr\u01b0\u1eddng \u0110H Kinh t\u1ebf TP.HCM), nhi\u1ec1u n\u01b0\u1edbc v\u00e0 VN v\u1eabn kh\u00e1 l\u00fang t\u00fang trong vi\u1ec7c qu\u1ea3n l\u00fd c\u00e1c lo\u1ea1i h\u00ecnh kinh doanh m\u1edbi. Nh\u00e0 n\u01b0\u1edbc c\u1ea7n ph\u1ea3i \u0111\u01b0a ra th\u00f4ng \u0111i\u1ec7p r\u00f5 r\u00e0ng h\u01a1n. \u0110\u00f3 l\u00e0 c\u1ea7n t\u1ea1o ra h\u00e0nh lang ph\u00e1p l\u00fd li\u00ean quan \u0111\u1ec3 DN y\u00ean t\u00e2m ho\u1ea1t \u0111\u1ed9ng, h\u1ea1n ch\u1ebf r\u1ee7i ro cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

D\u1ecbch v\u1ee5 n\u00e0y n\u00ean c\u1ea7n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd, ph\u1ea3i s\u1edbm \u0111\u01b0a ra c\u00e1c quy \u0111\u1ecbnh li\u00ean quan. V\u00ed d\u1ee5 nh\u01b0 ch\u1ec9 cho vay t\u1ed1i \u0111a bao nhi\u00eau? Ho\u1eb7c ng\u01b0\u1eddi tham gia cho vay t\u1ed1i \u0111a l\u00e0 bao nhi\u00eau? Kh\u00f4ng th\u1ec3 c\u1ee9 c\u1ea3nh b\u00e1o chung chung m\u00e3i c\u00f2n c\u00e1c d\u1ecbch v\u1ee5 v\u1eabn ph\u00e1t tri\u1ec3n v\u00e0 h\u1ec7 l\u1ee5y s\u1ebd kh\u00f3 l\u01b0\u1eddng cho c\u1ea3 n\u1ec1n kinh t\u1ebf.<\/em><\/p>\n

Lu\u1eadt s\u01b0\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/em><\/p>\n

T\u1ed5ng gi\u00e1 tr\u1ecb cho vay \u01b0\u1edbc \u0111\u1ebfn n\u0103m 2019 kho\u1ea3ng 181 t\u1ec9 USD v\u00e0 \u0111\u1ebfn n\u0103m 2023 v\u00e0o kho\u1ea3ng 290 t\u1ec9 USD v\u1edbi 51 tri\u1ec7u kho\u1ea3n vay, Trung Qu\u1ed1c \u0111ang d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng cho vay ngang h\u00e0ng tr\u00ean to\u00e0n c\u1ea7u. C\u00e1c lo\u1ea1i h\u00ecnh P2P Lending ph\u1ed5 bi\u1ebfn hi\u1ec7n nay l\u00e0 cho DN vay (kinh doanh, mua t\u00e0i s\u1ea3n, c\u00e1c kho\u1ea3n ph\u1ea3i thu, n\u00f4ng nghi\u1ec7p) v\u00e0 cho c\u00e1 nh\u00e2n vay (ti\u00eau d\u00f9ng, mua \u00f4 t\u00f4, mua nh\u00e0, c\u1ea7m \u0111\u1ed3). T\u1ea1i VN, s\u1ef1 t\u0103ng tr\u01b0\u1edfng c\u00e1c d\u1ecbch v\u1ee5 P2P Lending kh\u00e1 nhanh ch\u00f3ng. N\u0103m 2019 kho\u1ea3ng 32 tri\u1ec7u kho\u1ea3n vay, v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng 5,8% th\u00ec \u0111\u1ebfn n\u0103m 2023 s\u1ebd c\u00f3 kho\u1ea3ng 41 tri\u1ec7u kho\u1ea3n vay.<\/p>\n

\u00d4ng\u00a0Bradley C.Lalonde<\/strong>\u00a0(\u0111\u1ed3ng s\u00e1ng l\u1eadp, th\u00e0nh vi\u00ean \u0111i\u1ec1u h\u00e0nh C\u00f4ng ty qu\u1ea3n l\u00fd Qu\u1ef9 \u0111\u1ea7u t\u01b0 Vietnam Partners)<\/p>\n

 <\/p>\n

Mai Ph\u01b0\u01a1ng – Thanh Xu\u00e2n<\/strong><\/p>\n

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

Thanh ni\u00ean (T\u00e0i ch\u00ednh KD) 09-8-2019:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/tai-chinh-kinh-doanh\/bung-no-cho-vay-khong-gap-mat-1112577.html<\/em><\/a><\/p>\n

(251\/1.930)<\/em>","protected":false},"excerpt":{"rendered":"

(TN) – Theo Ch\u1ee7 t\u1ecbch T\u1eadp \u0111o\u00e0n NextTech Nguy\u1ec5n H\u00f2a B\u00ecnh, c\u00f3 kho\u1ea3ng 60 – 70 doanh nghi\u1ec7p\u00a0cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay ngang h\u00e0ng c\u1ee7a Trung Qu\u1ed1c \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i VN sau khi m\u00f4 h\u00ecnh n\u00e0y \u0111\u1ed5 v\u1ee1 t\u1ea1i n\u01b0\u1edbc s\u1edf t\u1ea1i. S\u00e0n cho vay ngang h\u00e0ng Tima c\u00f3 nhi\u1ec1u \u0111\u1ecba \u0111i\u1ec3m giao […]<\/p>\n","protected":false},"author":1,"featured_media":11295,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-11294","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.725. 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