{"id":11800,"date":"2019-04-17T18:02:21","date_gmt":"2019-04-17T11:02:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=11800"},"modified":"2022-03-06T18:57:40","modified_gmt":"2022-03-06T11:57:40","slug":"2-615-cho-vay-ngang-hang-bien-tuong-kho-luong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-615-cho-vay-ngang-hang-bien-tuong-kho-luong\/","title":{"rendered":"2.615. Cho vay ngang h\u00e0ng bi\u1ebfn t\u01b0\u1edbng kh\u00f3 l\u01b0\u1eddng."},"content":{"rendered":"<strong><em>(NDTV) &#8211; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI tham gia \u0111\u1ed1i tho\u1ea1i tr\u00ean Truy\u1ec1n h\u00ecnh Nh\u00e2n d\u00e2n ng\u00e0y 17-4-2019.<\/em><\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-12405 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2019\/04\/Duc-2019.04.17-NDTV-P2P-01-450x255.jpg\" alt=\"\" width=\"450\" height=\"255\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2019\/04\/Duc-2019.04.17-NDTV-P2P-01-450x255.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2019\/04\/Duc-2019.04.17-NDTV-P2P-01-350x198.jpg 350w, https:\/\/anvilaw.com\/wp-content\/uploads\/2019\/04\/Duc-2019.04.17-NDTV-P2P-01-768x436.jpg 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2019\/04\/Duc-2019.04.17-NDTV-P2P-01.jpg 960w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><strong><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/strong><\/p>\n<p><strong><em>K\u1ecbch b\u1ea3n:<\/em><\/strong><\/p>\n<p><strong><em>Truy\u1ec1n h\u00ecnh Nh\u00e2n D\u00e2n (Th\u01b0\u01a1ng tr\u01b0\u1eddng &amp; Ph\u00e1p lu\u1eadt):<\/em><\/strong><\/p>\n<p>Trung t\u00e2m Truy\u1ec1n h\u00ecnh Nh\u00e2n D\u00e2n<\/p>\n<p>Ph\u00f2ng \u00a0Kinh t\u1ebf<\/p>\n<p><strong>\u0110\u1ec0 C\u01af\u01a0NG <\/strong><strong>CHUY\u00caN M\u1ee4C \u201c<\/strong><strong>TH\u01af\u01a0NG TR\u01af\u1edcNG &amp; PH\u00c1P LU\u1eacT<\/strong><strong>\u201d S\u1ed0 <\/strong><strong>29<\/strong><\/p>\n<p><strong><em>Th\u1eddi l\u01b0\u1ee3ng: <\/em><\/strong><strong><em>30<\/em><\/strong><strong><em>\u2019; Ph\u00e1t s\u00f3ng ng\u00e0y <\/em><\/strong><strong><em>17\/4<\/em><\/strong><strong><em>\/201<\/em><\/strong><strong><em>9<\/em><\/strong><\/p>\n<table style=\"height: 2735px;\" width=\"920\">\n<tbody>\n<tr>\n<td width=\"38\"><strong>STT<\/strong><\/td>\n<td width=\"501\"><strong>N\u1ed9i dung: Cho vay ngang h\u00e0ng bi\u1ebfn t\u01b0\u1edbng kh\u00f3 l\u01b0\u1eddng<\/strong><\/td>\n<td width=\"66\"><strong>H\u00ecnh \u1ea3nh<\/strong><\/td>\n<td width=\"47\"><strong>T<\/strong><strong>L<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"38\">1<\/td>\n<td width=\"501\"><strong>H\u00ecnh hi\u1ec7u Chuy\u00ean m\u1ee5c \u201cTh\u01b0\u01a1ng tr\u01b0\u1eddng &amp; Ph\u00e1p lu\u1eadt\u201d<\/strong><\/td>\n<td width=\"66\">H\u00ecnh hi\u1ec7u<\/td>\n<td width=\"47\"><em>15<\/em><\/td>\n<\/tr>\n<tr>\n<td width=\"38\">2<\/p>\n<p>&nbsp;<\/td>\n<td width=\"501\">Trailer: Cho vay ngang h\u00e0ng (P2P Lending) l\u00e0 m\u00f4 h\u00ecnh kinh doanh m\u1edbi, Khi ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 P2P, ng\u01b0\u1eddi vay c\u1ea7n c\u00e2n nh\u1eafc tr\u01b0\u1edbc khi vay. B\u1edfi vay ngang h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t cao s\u1ebd d\u1eabn \u0111\u1ebfn nhi\u1ec1u h\u1ec7 l\u1ee5y kh\u00f3 l\u01b0\u1eddng. Theo s\u1ed1 li\u1ec7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, hi\u1ec7n, c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng 40 c\u00f4ng ty P2P \u0111ang ho\u1ea1t \u0111\u1ed9ng. Trong \u0111\u00f3, 10 c\u00f4ng ty c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb Trung Qu\u1ed1c v\u00e0 m\u1ed9t s\u1ed1 c\u00f4ng ty \u0111\u1ebfn t\u1eeb Indonesia v\u00e0 Singapore. B\u00ean c\u1ea1nh nh\u1eefng ti\u1ec7n \u00edch c\u1ee7a P2P, nhi\u1ec1u chuy\u00ean gia kinh t\u1ebf c\u0169ng c\u1ea3nh b\u00e1o nh\u1eefng m\u1eb7t tr\u00e1i c\u1ee7a d\u1ecbch v\u1ee5 cho vay n\u00e0y. B\u1edfi th\u1eddi gian qua, trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng, m\u1ed9t s\u1ed1 c\u00f4ng ty P2P \u0111\u00e3 bi\u1ebfn t\u01b0\u1edbng th\u00e0nh \u0111\u01a1n v\u1ecb huy \u0111\u1ed9ng v\u1ed1n \u0111a c\u1ea5p \u0111\u1ec3 l\u1eeba \u0111\u1ea3o, cho vay v\u1edbi l\u00e3i su\u1ea5t l\u00ean t\u1edbi 700%\/n\u0103m&#8230;<\/td>\n<td width=\"66\"><\/td>\n<td width=\"47\">2<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">3<\/td>\n<td width=\"501\">MC: D\u1eabn v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh, gi\u1edbi thi\u1ec7u kh\u00e1ch m\u1eddi v\u00e0 gi\u1edbi thi\u1ec7u ch\u01b0\u01a1ng tr\u00ecnh<\/td>\n<td width=\"66\">MC<\/td>\n<td width=\"47\">20<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">4<\/td>\n<td width=\"501\"><strong>Ph\u00f3ng s\u1ef1 1: Nguy c\u01a1 bi\u1ebfn t\u01b0\u1edbng<\/strong><\/p>\n<p>60% d\u00e2n s\u1ed1 Vi\u1ec7t Nam \u0111ang \u1edf \u0111\u1ed9 tu\u1ed5i r\u1ea5t tr\u1ebb, m\u1ee9c \u0111\u1ed9 ti\u00eau d\u00f9ng r\u1ea5t l\u1edbn. Nh\u00f3m d\u00e2n s\u1ed1 n\u00e0y lu\u00f4n c\u00f3 nhu c\u1ea7u vay t\u1eeb v\u00e0i tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng ti\u00eau d\u00f9ng. Th\u1ebf nh\u01b0ng, h\u1ecd l\u1ea1i g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n kh\u00e1c c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. T\u1eeb \u0111\u00f3, cho vay ngang h\u00e0ng (P2P &#8211; lo\u1ea1i h\u00ecnh cho vay tr\u1ef1c tuy\u1ebfn k\u1ebft n\u1ed1i ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay, \u0111\u01a1n v\u1ecb cung c\u1ea5p c\u00f4ng ngh\u1ec7 l\u00e0m trung gian thu ph\u00ed d\u1ecbch v\u1ee5) ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n, gi\u1ea3i quy\u1ebft nhu c\u1ea7u vay ti\u1ec1n kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n<p>Hi\u1ec7n l\u00e3i su\u1ea5t cho vay c\u1ee7a lo\u1ea1i h\u00ecnh n\u00e0y v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd theo \u0111\u00fang chu\u1ea9n m\u1ef1c nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ch\u01b0a c\u00f3 s\u1ef1 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd c\u1ee7a c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng chuy\u00ean ng\u00e0nh, n\u00ean cho vay ngang h\u00e0ng x\u1ea3y ra nhi\u1ec1u r\u1ee7i ro. Ng\u01b0\u1eddi \u0111i vay g\u1eb7p r\u1eafc r\u1ed1i khi b\u00ean thu h\u1ed3i n\u1ee3 ch\u01b0a tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt. Th\u1eadm ch\u00ed, ng\u01b0\u1eddi cho vay l\u1eabn c\u00e1c c\u00f4ng ty l\u00e0m trung gian c\u0169ng g\u1eb7p kh\u00f3 kh\u0103n khi h\u1ecd kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3 t\u1eeb ng\u01b0\u1eddi vay.<\/p>\n<p>Th\u1ef1c t\u1ebf, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty P2P hi\u1ec7n ch\u1ec9 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1. Tuy h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n \u0111\u01b0\u1ee3c xem l\u00e0 h\u1ee3p \u0111\u1ed3ng giao d\u1ecbch d\u00e2n s\u1ef1 gi\u1eefa 2 b\u00ean song c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng v\u1ec1 c\u01a1 b\u1ea3n ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c chu\u1ea9n m\u1ef1c t\u1ed1i thi\u1ec3u c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<p>Ch\u00ednh v\u00ec th\u1ebf m\u1edbi \u0111\u00e2y, Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng V\u01b0\u01a1ng \u0110\u00ecnh Hu\u1ec7 giao Nh\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc so\u1ea1n th\u1ea3o c\u00e1c quy \u0111\u1ecbnh tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng, bao g\u1ed3m c\u00e1c n\u1ed9i dung qu\u1ea3n l\u00fd r\u1ee7i ro, thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ed9, ng\u00e0nh li\u00ean quan \u0111\u1ebfn m\u00f4 h\u00ecnh P2P.<\/p>\n<p>Gi\u1ea3i ph\u00e1p tr\u01b0\u1edbc m\u1eaft l\u00e0 ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c b\u1ed9, ng\u00e0nh n\u00ean ch\u1ecdn l\u1ecdc m\u1ed9t s\u1ed1 doanh nghi\u1ec7p cung c\u1ea5p c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh gi\u00e0u ti\u1ec1m n\u0103ng \u0111\u1ec3 tri\u1ec3n khai th\u00ed \u0111i\u1ec3m P2P, ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh mang t\u00ednh h\u1ed7 tr\u1ee3 ph\u00e1t tri\u1ec3n, \u0111\u1ed3ng th\u1eddi c\u00e1c quy \u0111\u1ecbnh \u0111\u00f3 c\u0169ng ph\u00f9 h\u1ee3p v\u1edbi chu\u1ea9n m\u1ef1c ph\u00e1p lu\u1eadt Vi\u1ec7t Nam. Khi c\u00f3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng P2P, Nh\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc tri\u1ec3n khai cho vay ngang h\u00e0ng r\u1ed9ng r\u00e3i tr\u00ean th\u1ecb tr\u01b0\u1eddng, t\u1eebng b\u01b0\u1edbc ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd lo\u1ea1i h\u00ecnh cho vay n\u00e0y, \u0111em l\u1ea1i an to\u00e0n cho h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng.<\/p>\n<p><strong>PV: Chuy\u00ean gia<\/strong><\/td>\n<td width=\"66\">H\u00ecnh g\u1ea1t<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>MC d\u1eabn v\u00e0 \u0111\u1ecdc Off<\/td>\n<td width=\"47\">&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>5\u2019<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">5<\/td>\n<td width=\"501\"><strong><em>M\u1ee5c hi\u1ec7u ti\u1ec3u m\u1ee5c \u201c<\/em><\/strong><strong><em>\u0110\u1ed1i tho\u1ea1i <\/em><\/strong><strong><em>\u201d<\/em><\/strong><\/td>\n<td width=\"66\">M\u1ee5c hi\u1ec7u<\/td>\n<td width=\"47\">10\u201d<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">&nbsp;<\/p>\n<p>6<\/td>\n<td width=\"501\"><strong>Kh\u00e1ch m\u1eddi 1: <\/strong><strong>TS. C\u1ea5n V\u0103n L\u1ef1c<\/strong><\/p>\n<p><strong>Kh\u00e1ch m\u1eddi 2: LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/p>\n<p><strong>C\u00e2u h<\/strong><strong>\u1ecfi: <\/strong><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>Lo\u1ea1i h\u00ecnh cho vay ngang h\u00e0ng xu\u1ea5t hi\u1ec7n \u1edf Vi\u1ec7t Nam t\u1eeb bao gi\u1edd?<\/strong><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>Ho\u1ea1t \u0111\u1ed9ng n\u00e0y thu\u1ed9c lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh g\u00ec? Th\u1ef1c hi\u1ec7n theo lu\u1eadt n\u00e0o?<\/strong><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>C\u00f3 y\u1ebfu t\u1ed1 bi\u1ebfn t\u01b0\u1edbng t\u00edn d\u1ee5ng \u0111en? \u0110a c\u1ea5p?<\/strong><\/td>\n<td width=\"66\"><strong>MC <\/strong><strong>v\u00e0 kh\u00e1ch m\u1eddi<\/strong><\/p>\n<p><strong><em>Tranh lu\u1eadn k\u1ecbch t\u00ednh<\/em><\/strong><\/td>\n<td width=\"47\">&nbsp;<\/p>\n<p>10\u2019<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">7<\/td>\n<td width=\"501\"><strong><em>M\u1ee5c hi\u1ec7u ti\u1ec3u m\u1ee5c \u201c Ph\u1ea3n h\u1ed3i\u201d<\/em><\/strong><\/td>\n<td width=\"66\"><\/td>\n<td width=\"47\"><\/td>\n<\/tr>\n<tr>\n<td width=\"38\">8<\/td>\n<td width=\"501\"><strong>\u00a0 \u00a0Ph\u00f3ng s\u1ef1 2: C\u00e1c n\u01b0\u1edbc \u0111ang qu\u1ea3n l\u00fd cho vay ngang h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?<\/strong><\/p>\n<p><strong>T\u1ea1i M\u1ef9,<\/strong>\u00a0c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn cho vay ngang h\u00e0ng t\u1eadp trung \u1edf 4 m\u1ee5c ch\u00ednh. Th\u1ee9 nh\u1ea5t l\u00e0 quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n v\u1ed1n huy \u0111\u1ed9ng. Theo \u0111\u00f3, c\u00f4ng ty P2P ch\u1ec9 \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng t\u1ed1i \u0111a 1,07 tri\u1ec7u USD trong m\u1ed7i n\u0103m t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t c\u1ea7n xin ph\u00e9p ri\u00eang. Khi \u0111\u00f3, s\u1ed1 v\u1ed1n huy \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng t\u1ed5ng v\u1ed1n huy \u0111\u1ed9ng c\u1ee7a to\u00e0n b\u1ed9 c\u00e1c \u0111\u01a1n v\u1ecb do c\u00f4ng ty n\u00e0y n\u1eafm quy\u1ec1n ki\u1ec3m so\u00e1t. Th\u1ee9 hai l\u00e0 quy \u0111\u1ecbnh v\u1ec1 gi\u1edbi h\u1ea1n \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n. Theo \u0111\u00f3, gi\u1edbi h\u1ea1n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng t\u1ed5ng c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00f3 trong v\u00f2ng 12 th\u00e1ng v\u00e0 kh\u00f4ng c\u00f3 tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i t\u1ec7. Gi\u1edbi h\u1ea1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh t\u00f9y v\u00e0o thu nh\u1eadp ho\u1eb7c t\u00e0i s\u1ea3n r\u00f2ng h\u00e0ng n\u0103m c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0. Th\u1ee9 ba l\u00e0 c\u00e1c ti\u00eau chu\u1ea9n c\u1ea5p ph\u00e9p v\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed1i v\u1edbi c\u00f4ng ty P2P &#8211; t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0111i\u1ec1u ki\u1ec7n c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed1i v\u1edbi c\u00f4ng ty qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 t\u1ea1i M\u1ef9. \u0110\u1ed3ng th\u1eddi, c\u00e1c c\u00f4ng ty mu\u1ed1n huy \u0111\u1ed9ng v\u1ed1n t\u1eeb c\u1ed9ng \u0111\u1ed3ng ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau chu\u1ea9n c\u1ee7a S\u1edf giao d\u1ecbch Ch\u1ee9ng kho\u00e1n M\u1ef9 (SEC). Th\u1ee9 t\u01b0 l\u00e0 c\u00e1c ti\u00eau chu\u1ea9n, y\u00eau c\u1ea7u v\u1ec1 c\u00f4ng khai th\u00f4ng tin \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty P2P.<\/p>\n<p><strong>T\u1ea1i Malaysia<\/strong>, \u1ee6y ban ch\u1ee9ng kho\u00e1n qu\u1ed1c gia (SC) gi\u1eef vai tr\u00f2 ch\u00ednh trong vi\u1ec7c qu\u1ea3n l\u00fd m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (do quan ni\u1ec7m \u0111\u00e2y l\u00e0 h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 v\u1ed1n). SC \u0111\u00e3 ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh nghi\u00eam ng\u1eb7t trong vi\u1ec7c qu\u1ea3n l\u00fd c\u00e1c c\u00f4ng ty P2P, trong \u0111\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec3m \u0111\u00e1ng ch\u00fa \u00fd nh\u01b0 l\u00e3i su\u1ea5t cho vay kh\u00f4ng v\u01b0\u1ee3t m\u1ee9c 18%\/n\u0103m, ch\u1ec9 c\u00f3 c\u00e1c c\u00f4ng ty Malaysia v\u1edbi s\u1ed1 v\u1ed1n th\u1ef1c g\u00f3p t\u1ed1i thi\u1ec3u 5 tri\u1ec7u ringgit (kho\u1ea3ng 1,2 tri\u1ec7u USD) m\u1edbi \u0111\u01b0\u1ee3c cung c\u1ea5p n\u1ec1n t\u1ea3ng v\u00e0 d\u1ecbch v\u1ee5 cho vay P2P.<\/p>\n<p><strong>T\u1ea1i Indonesia<\/strong>, vi\u1ec7c qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty P2P v\u00e0 fintech thu\u1ed9c v\u1ec1 C\u01a1 quan Qu\u1ea3n l\u00fd D\u1ecbch v\u1ee5 T\u00e0i ch\u00ednh (OJK). C\u00e1c c\u00f4ng ty P2P (g\u1ed3m c\u1ea3 Fintech tham gia d\u1ecbch v\u1ee5 n\u00e0y) ph\u1ea3i c\u00f3 s\u1ed1 v\u1ed1n t\u1ed1i thi\u1ec3u 1 tri\u1ec7u rupiah (kho\u1ea3ng 67.000 USD) khi \u0111\u0103ng k\u00fd v\u00e0 2,5 tri\u1ec7u rupiah \u0111\u1ec3 \u0111\u01b0\u1ee3c ch\u00ednh th\u1ee9c c\u1ea5p gi\u1ea5y ph\u00e9p kinh doanh. C\u00e1c c\u00f4ng ty P2P n\u00e0y ph\u1ea3i k\u00fd qu\u1ef9 v\u00e0 c\u00f3 t\u00e0i kho\u1ea3n \u0111\u1ecbnh danh t\u1ea1i ng\u00e2n h\u00e0ng trong th\u1eddi gian ho\u1ea1t \u0111\u1ed9ng. Ngo\u00e0i ra, C\u01a1 quan Qu\u1ea3n l\u00fd D\u1ecbch v\u1ee5 T\u00e0i ch\u00ednh c\u0169ng \u0111ang xem x\u00e9t quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi cho vay ngang h\u00e0ng.<\/p>\n<p><strong>T\u1ea1i Trung Qu\u1ed1c<\/strong> v\u00e0o n\u0103m 2011 v\u00e0 nhanh ch\u00f3ng ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd, m\u1ed9t ph\u1ea7n l\u00e0 do t\u1ea1i Trung Qu\u1ed1c, kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 Doanh nghi\u1ec7p r\u1ea5t kh\u00f3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng n\u00ean \u0111\u00e3 t\u00ecm \u0111\u1ebfn k\u00eanh cho vay n\u00e0y. K\u1ebft qu\u1ea3 l\u00e0, cho vay ngang h\u00e0ng t\u1ea1i Trung Qu\u1ed1c thu h\u00fat t\u1edbi 50 tri\u1ec7u ng\u01b0\u1eddi tham gia \u0111\u1ea7u t\u01b0 v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb 10%\/n\u0103m tr\u1edf l\u00ean, cao h\u01a1n g\u1ea5p \u0111\u00f4i m\u1ee9c l\u00e3i su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng. T\u00ednh \u0111\u1ebfn th\u00e1ng 6\/2018, th\u1ecb tr\u01b0\u1eddng cho vay ngang h\u00e0ng c\u1ee7a Trung Qu\u1ed1c c\u00f3 gi\u00e1 tr\u1ecb g\u1ea7n 218 t\u1ef7 USD.<\/p>\n<p>Tuy nhi\u00ean, do thi\u1ebfu ki\u1ec3m so\u00e1t c\u1ee7a Ch\u00ednh ph\u1ee7, c\u00e1c c\u00f4ng ty P2P t\u1ea1i Trung Qu\u1ed1c ng\u00e0y c\u00e0ng ho\u1ea1t \u0111\u1ed9ng bi\u1ebfn t\u01b0\u1edbng v\u1edbi h\u00ecnh th\u1ee9c huy \u0111\u1ed9ng v\u1ed1n b\u1ea5t h\u1ee3p ph\u00e1p ho\u1eb7c theo m\u00f4 h\u00ecnh \u0111\u1ea7u t\u01b0 \u0111a c\u1ea5p. H\u1eadu qu\u1ea3 l\u00e0 h\u00e0ng lo\u1ea1t c\u00f4ng ty P2P ph\u00e1 s\u1ea3n, ch\u1ee7 c\u00e1c c\u00f4ng ty n\u00e0y \u00f4m ti\u1ec1n ch\u1ea1y tr\u1ed1n. Ch\u1ec9 trong v\u00f2ng 2 th\u00e1ng k\u1ec3 t\u1eeb th\u00e1ng 6\/2018, h\u01a1n 400 c\u00f4ng ty P2P \u0111\u00e3 d\u1eebng ho\u1ea1t \u0111\u1ed9ng v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng th\u1ec3 \u0111\u00f2i l\u1ea1i ti\u1ec1n. Vi\u1ec7c n\u00e0y \u0111\u00e3 tr\u1edf th\u00e0nh v\u1ea5n n\u1ea1n x\u00e3 h\u1ed9i khi nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00ecnh c\u00f4ng, bi\u1ec3u t\u00ecnh y\u00eau c\u1ea7u Ch\u00ednh ph\u1ee7 Trung Qu\u1ed1c ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a h\u1ecd.<\/p>\n<p>Nguy\u00ean nh\u00e2n c\u01a1 b\u1ea3n nh\u1ea5t d\u1eabn \u0111\u1ebfn cu\u1ed9c kh\u1ee7ng ho\u1ea3ng n\u00e0y l\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn sai c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng n\u00e0y. Trung Qu\u1ed1c \u0111\u00e3 coi cho vay ngang h\u00e0ng l\u00e0 &#8220;h\u1ec7 th\u1ed1ng trao \u0111\u1ed5i th\u00f4ng tin kho\u1ea3n vay&#8221;. C\u00e1ch hi\u1ec3u n\u00e0y \u0111\u00e3 khi\u1ebfn c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Trung Qu\u1ed1c r\u1ea5t l\u1ecfng l\u1ebbo t\u1ea1o k\u1ebd h\u1edf cho c\u00e1c vi ph\u1ea1m v\u00e0 bi\u1ebfn t\u01b0\u1ee3ng d\u1eabn \u0111\u1ebfn h\u1ec7 l\u1ee5y \u0111\u00e3 x\u1ea3y ra. Sau h\u00e0ng lo\u1ea1t v\u1ee5 vi\u1ec7c \u0111\u1ed5 v\u1ee1 nh\u01b0 n\u00eau tr\u00ean, Ch\u00ednh ph\u1ee7 Trung Qu\u1ed1c \u0111\u00e3 b\u1ed5 sung 10 bi\u1ec7n ph\u00e1p t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t nh\u01b0 c\u1ea5m m\u1edf th\u00eam c\u00e1c website cho vay tr\u1ef1c tuy\u1ebfn, y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty P2P c\u00f2n ho\u1ea1t \u0111\u1ed9ng ph\u1ea3i d\u1ee1 b\u1ecf c\u00e1c r\u00e0o c\u1ea3n \u0111\u1ed1i v\u1edbi vi\u1ec7c kh\u00e1ch h\u00e0ng khi\u1ebfu n\u1ea1i, t\u0103ng c\u01b0\u1eddng h\u00ecnh ph\u1ea1t \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty P2P c\u00f3 h\u00e0nh vi l\u1eeba \u0111\u1ea3o; thi\u1ebft l\u1eadp ch\u01b0\u01a1ng tr\u00ecnh b\u1ed3i th\u01b0\u1eddng cho nh\u00e0 \u0111\u1ea7u t\u01b0 khi c\u00e1c c\u00f4ng ty P2P ph\u00e1 s\u1ea3n\u2026<\/td>\n<td width=\"66\">MC<\/td>\n<td width=\"47\">4\u2019<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">9<\/td>\n<td width=\"501\"><strong><em>M\u1ee5c hi\u1ec7u ti\u1ec3u m\u1ee5c \u201cPh\u1ea3n h\u1ed3i\u201d<\/em><\/strong><\/td>\n<td width=\"66\"><\/td>\n<td width=\"47\">10\u201d<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">10<\/td>\n<td width=\"501\"><strong>Kh\u00e1ch m\u1eddi 1: <\/strong><strong>TS. C\u1ea5n V\u0103n L\u1ef1c<\/strong><\/p>\n<p><strong>Kh\u00e1ch m\u1eddi 2: LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/p>\n<p><strong>C\u00e2u h\u1ecfi: <\/strong><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>V\u1ea5n \u0111\u1ec1 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng n\u00e0y?<\/strong><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>C\u00e2u chuy\u00ean cho vay ngang h\u00e0ng t\u1ea1i Trung Qu\u1ed1c v\u00e0 b\u00e0i h\u1ecdc cho ch\u00fang ta?<\/strong><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>Tr\u00e1ch nhi\u1ec7m c\u1ee7a Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc trong ho\u1ea1t \u0111\u1ed9ng n\u00e0y?<\/strong><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>Quan \u0111i\u1ec3m c\u1ee7a chuy\u00ean gia v\u00e0 lu\u1eadt s\u01b0?<\/strong><\/td>\n<td width=\"66\"><strong><em>MC: <\/em><\/strong><\/td>\n<td width=\"47\">4\u20193<\/td>\n<\/tr>\n<tr>\n<td width=\"38\">11<\/td>\n<td width=\"501\"><strong>MC: D\u1eabn k\u1ebft:<\/strong><\/td>\n<td width=\"66\">Mc<\/td>\n<td width=\"47\">30\u2019<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>K\u1ecbch b\u1ea3n: V\u0169 T\u00e2n<\/p>\n<p>Quay phim m\u00e1y l\u1ebb:<\/p>\n<p>MC: Minh Anh<\/p>\n<p>K\u1ef9 thu\u1eadt h\u1eadu k\u1ef3: H\u1eefu T\u00fa<\/p>\n<p><strong>\u00a0\u00a0\u00a0 \u00a0PH\u00d2NG\u00a0 <\/strong><strong>KINH T\u1ebe<\/strong><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><strong>L\u00c3NH \u0110\u1ea0O TRUNG T\u00c2M DUY\u1ec6T<\/strong>","protected":false},"excerpt":{"rendered":"<p>(NDTV) &#8211; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI tham gia \u0111\u1ed1i tho\u1ea1i tr\u00ean Truy\u1ec1n h\u00ecnh Nh\u00e2n d\u00e2n ng\u00e0y 17-4-2019. &#8212;&#8212;&#8212;&#8212;- K\u1ecbch b\u1ea3n: Truy\u1ec1n h\u00ecnh Nh\u00e2n D\u00e2n (Th\u01b0\u01a1ng tr\u01b0\u1eddng &amp; Ph\u00e1p lu\u1eadt): Trung t\u00e2m Truy\u1ec1n h\u00ecnh Nh\u00e2n D\u00e2n Ph\u00f2ng \u00a0Kinh t\u1ebf \u0110\u1ec0 C\u01af\u01a0NG CHUY\u00caN M\u1ee4C \u201cTH\u01af\u01a0NG TR\u01af\u1edcNG &amp; PH\u00c1P LU\u1eacT\u201d S\u1ed0 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":12405,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-11800","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 v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.615. Cho vay ngang h\u00e0ng bi\u1ebfn t\u01b0\u1edbng kh\u00f3 l\u01b0\u1eddng. - 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\/2-615-cho-vay-ngang-hang-bien-tuong-kho-luong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.615. 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