{"id":12135,"date":"2019-03-21T12:52:56","date_gmt":"2019-03-21T05:52:56","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=12135"},"modified":"2022-03-06T12:55:11","modified_gmt":"2022-03-06T05:55:11","slug":"2-558-can-don-thuoc-cho-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-558-can-don-thuoc-cho-tin-dung-den\/","title":{"rendered":"2.558. C\u1ea7n \u201c\u0111\u01a1n thu\u1ed1c\u201d cho \u201ct\u00edn d\u1ee5ng \u0111en\u201d"},"content":{"rendered":"
\n
(SGGP) – C\u0103n nguy\u00ean c\u1ee7a c\u0103n b\u1ec7nh tr\u1ea7m kha \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 do nhu c\u1ea7u v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n qu\u00e1 l\u1edbn, trong khi c\u00e1c k\u00eanh cung c\u1ea5p ch\u00ednh th\u1ee9c nh\u01b0 NH, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n\u2026 kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c, c\u00f2n c\u00e1c k\u00eanh m\u1edbi v\u00e0 linh ho\u1ea1t nh\u01b0 cho vay ti\u00eau d\u00f9ng l\u1ea1i ch\u01b0a ph\u1ed5 bi\u1ebfn.<\/strong><\/div>\n<\/header>\n
\n
\n
V\u00ec sao \u201ct\u00edn d\u1ee5ng \u0111en\u201d\u00a0c\u00f3 \u201c\u0111\u1ea5t s\u1ed1ng\u201d?
\n<\/strong><\/div>\n
Theo s\u1ed1 li\u1ec7u c\u1ee7a NH Th\u1ebf gi\u1edbi (WB), m\u1ee9c \u0111\u1ed9 ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam hi\u1ec7n x\u1ea5p x\u1ec9 32%, nh\u01b0ng t\u1ef7 l\u1ec7 c\u00f3 c\u00e1c kho\u1ea3n vay t\u1ea1i t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ch\u1ec9 h\u01a1n 18%. T\u1ee9c c\u1ee9 3 ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay v\u1ed1n m\u1edbi ch\u1ec9 1 ng\u01b0\u1eddi c\u00f3 th\u1ec3 vay th\u00e0nh c\u00f4ng t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh.<\/div>\n
\n\n\n\n
\u00a0C\u1ea7n ph\u1ea3i m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD \u1edf nh\u1eefng \u0111\u1ecba b\u00e0n c\u00f3 m\u1ea1ng l\u01b0\u1edbi NH ch\u01b0a t\u01b0\u01a1ng x\u1ee9ng v\u1edbi nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n, nh\u1ea5t l\u00e0 nh\u1eefng \u0111\u1ecba b\u00e0n \u0111ang l\u00e0 \u0111i\u1ec3m n\u00f3ng v\u1ec1 “t\u00edn d\u1ee5ng \u0111en”.
\nTS. Tr\u1ea7n Kim Anh, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng
\nV\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 – Ban Kinh t\u1ebf Trung \u01b0\u01a1ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nguy\u00ean nh\u00e2n ch\u00ednh \u0111\u01b0\u1ee3c l\u00fd gi\u1ea3i l\u00e0 do c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng cho vay c\u1ee7a h\u1ec7 th\u1ed1ng NH c\u00f2n kh\u1eaft khe nh\u01b0 th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p, quy tr\u00ecnh k\u00e9o d\u00e0i, \u01b0u ti\u00ean c\u00e1c kho\u1ea3n vay s\u1ea3n xu\u1ea5t kinh doanh l\u1edbn, xu\u1ea5t nh\u1eadp kh\u1ea9u ho\u1eb7c b\u1ea5t \u0111\u1ed9ng s\u1ea3n… \u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng, ngu\u1ed3n v\u1ed1n t\u1eeb c\u00e1c NH hay c\u00e1c g\u00f3i h\u1ed7 tr\u1ee3 t\u1eeb Ch\u00ednh ph\u1ee7 l\u1ea1i ch\u1ee7 y\u1ebfu h\u01b0\u1edbng v\u1ec1 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng t\u1eeb trung l\u01b0u tr\u1edf l\u00ean, nh\u01b0ng\u00a0 t\u1eadp trung v\u00e0o vi\u1ec7c cho vay mua nh\u00e0, mua xe \u00f4 t\u00f4.<\/p><\/div>\n

Ngo\u00e0i ra, do nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 c\u00f4ng t\u00e1c truy\u1ec1n th\u00f4ng ch\u01b0a t\u1ed1t, th\u00f3i quen ti\u00eau d\u00f9ng c\u00f2n l\u1ea1c h\u1eadu, thi\u1ebfu th\u00f4ng tin, thi\u1ebfu ki\u1ebfn th\u1ee9c\u2026 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n c\u00f2n xa l\u1ea1 v\u1edbi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC).<\/div>\n
Th\u1ef1c t\u1ebf, d\u00f9 \u0111\u00e3 xu\u1ea5t hi\u1ec7n tr\u00ean th\u1ecb tr\u01b0\u1eddng h\u01a1n 10 n\u0103m, nh\u01b0ng nh\u1eefng c\u00e1i t\u00ean FE Credit, Home Credit hay HD Saison\u2026 v\u1eabn c\u00f2n xa l\u1ea1 v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, trong khi nh\u1eefng c\u1eeda hi\u1ec7u c\u1ea7m \u0111\u1ed3, nh\u1eefng bi\u1ec3n qu\u1ea3ng c\u00e1o, t\u1edd r\u01a1i gi\u1edbi thi\u1ec7u cho vay theo ng\u00e0y l\u00e3i su\u1ea5t th\u1ea5p m\u1ecdc nhan nh\u1ea3n kh\u1eafp n\u01a1i, th\u1eadm ch\u00ed \u0111\u01b0\u1ee3c d\u00e1n ngay ch\u00e2n c\u1ed9t \u0111i\u1ec7n tr\u01b0\u1edbc c\u1ed5ng nh\u00e0 khi\u1ebfn ng\u01b0\u1eddi d\u00e2n d\u1ec5 b\u1ecb l\u00f4i k\u00e9o v\u00e0o \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

D\u00f9ng CTTC \u0111\u1ea9y l\u00f9i\u00a0\u201ct\u00edn d\u1ee5ng \u0111en\u201d
\n<\/strong><\/div>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI bi\u1ec7n ph\u00e1p gi\u1ea3i quy\u1ebft tri\u1ec7t \u0111\u1ec3 c\u0103n b\u1ec7nh tr\u1ea7m kha \u201ct\u00edn d\u1ee5ng \u0111en\u201d kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1c m\u1ec7nh l\u1ec7nh h\u00e0nh ch\u00ednh hay s\u1ef1 c\u1ea5m \u0111o\u00e1n, m\u00e0 ph\u1ea3i gi\u1ea3i quy\u1ebft b\u1eb1ng b\u00e0i to\u00e1n cung \u2013 c\u1ea7u.<\/div>\n
\n\n\n\n
\u00a0Nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 thu nh\u1eadp trung b\u00ecnh-th\u1ea5p, \u0111\u1eb7c bi\u1ec7t khu v\u1ef1c n\u00f4ng th\u00f4n, l\u00e0 ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay v\u1ed1n ti\u00eau d\u00f9ng \u1edf m\u1ee9c \u0111\u1ed9 c\u1ea5p thi\u1ebft nh\u1ea5t, ph\u1ee5c v\u1ee5 c\u00e1c nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng t\u1ed1i thi\u1ec3u nh\u1ea5t, l\u1ea1i ch\u00ednh l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u00edt c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn c\u00e1c k\u00eanh cung c\u1ea5p v\u1ed1n ch\u00ednh th\u1ee9c nh\u1ea5t. Ch\u00ednh v\u00ec v\u1eady, h\u1ecd bu\u1ed9c ph\u1ea3i t\u00ecm \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d khi c\u1ea7n ti\u1ec1n \u0111\u00f3ng h\u1ecdc ph\u00ed, mua s\u1eafm ph\u01b0\u01a1ng ti\u1ec7n l\u00e0m vi\u1ec7c\u2026\u201d.
\nLu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,
\nGi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

B\u1edfi n\u1ebfu ngu\u1ed3n cung v\u1ed1n ch\u00ednh th\u1ee9c c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n, t\u1ef1 kh\u1eafc h\u1ecd s\u1ebd t\u1eeb b\u1ecf \u201ct\u00edn d\u1ee5ng \u0111en\u201d. \u0110\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3, n\u1ebfu ch\u1ec9 c\u00f3 c\u00e1c k\u00eanh cung c\u1ea5p h\u1ea1n ch\u1ebf nh\u01b0 NH s\u1ebd kh\u00f4ng \u0111\u1ee7, m\u00e0 c\u00f2n c\u1ea7n s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb c\u00e1c CTTC v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m \u0111a d\u1ea1ng, linh ho\u1ea1t t\u1eeb cho vay ti\u1ec1n m\u1eb7t, vay mua xe m\u00f4 t\u00f4, \u0111i\u1ec7n m\u00e1y gia d\u1ee5ng, ch\u1eefa b\u1ec7nh, du l\u1ecbch…<\/p><\/div>\n

Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 th\u1ea5y c\u00e1c CTTC c\u00f3 vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Tuy nhi\u00ean, theo lu\u1eadt s\u01b0 \u0110\u1ee9c, do v\u01b0\u1edbng nhi\u1ec1u quy \u0111\u1ecbnh kh\u1eaft khe nh\u1eb1m \u0111\u1ea3m b\u1ea3o s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh nh\u01b0 h\u1ea1n ch\u1ebf th\u00e0nh l\u1eadp m\u1edbi, m\u1edf chi nh\u00e1nh, huy \u0111\u1ed9ng ngu\u1ed3n v\u1ed1n, h\u1ea1n ch\u1ebf kho\u1ea3n ti\u1ec1n cho vay t\u1ed1i \u0111a l\u00e0 100 tri\u1ec7u \u0111\u1ed3ng\u2026 n\u00ean c\u00e1c CTTC lu\u00f4n b\u1ecb \u0111\u00e1nh gi\u00e1 l\u00e0 ph\u00e1t tri\u1ec3n d\u01b0\u1edbi m\u1ee9c ti\u1ec1m n\u0103ng su\u1ed1t nhi\u1ec1u n\u0103m qua. \u201cAn to\u00e0n l\u00e0 c\u1ea7n thi\u1ebft, nh\u01b0ng an to\u00e0n qu\u00e1 th\u00ec kh\u00f3 ph\u00e1t tri\u1ec3n\u201d- Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/div>\n
Lu\u1eadt s\u01b0 \u0110\u1ee9c cho r\u1eb1ng, c\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u1ea7n \u0111\u00e1nh gi\u00e1 \u0111\u00fang v\u00e0 kh\u00e1ch quan h\u01a1n vai tr\u00f2 c\u1ee7a c\u00e1c CTTC, kh\u00f4ng n\u00ean ch\u1ec9 coi \u0111\u00e2y l\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh, kinh doanh ti\u1ec1n t\u1ec7 th\u00f4ng th\u01b0\u1eddng, m\u00e0 n\u00ean xem x\u00e9t c\u1ea3 kh\u00eda c\u1ea1nh tr\u00e1ch nhi\u1ec7m x\u00e3 h\u1ed9i. Ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC c\u0169ng c\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh \u0111\u1ed9c l\u1eadp v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a NH; \u0111\u1ed3ng th\u1eddi c\u1ea7n s\u1ef1 n\u1edbi l\u1ecfng linh ho\u1ea1t \u0111\u1ec3 c\u00e1c CTTC c\u00f3 th\u1ec3 ph\u00e1t huy h\u1ebft n\u0103ng l\u1ef1c c\u0169ng nh\u01b0 vai tr\u00f2 c\u1ee7a m\u00ecnh.<\/div>\n
\n
\"C\u1ea7n<\/a>C\u00e1c CTTC ngo\u00e0i vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t vay c\u00f2n \u0111\u1ea9y m\u1ea1nh c\u00f4ng ngh\u1ec7 t\u1ef1 \u0111\u1ed9ng h\u00f3a
\n\u0111\u1ec3 \u0111\u1ea9y l\u00f9i d\u1ea7n “t\u00edn d\u1ee5ng \u0111en”.\u00a0<\/span><\/div>\n

Quan \u0111i\u1ec3m c\u1ee7a nhi\u1ec1u chuy\u00ean gia kinh t\u1ebf c\u0169ng cho r\u1eb1ng, \u0111\u1ec3 TCTD ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ea7n nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n v\u1edbi h\u00e0nh lang ph\u00e1p l\u00fd th\u00f4ng tho\u00e1ng. NHNN c\u0169ng n\u00ean nghi\u00ean c\u1ee9u k\u1ef9 \u0111\u1ec3 c\u00f3 m\u1ed9t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ee7 r\u1ed9ng cho c\u00e1c CTTC ph\u00e1t tri\u1ec3n.<\/p><\/div>\n

B\u1edfi theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, nhi\u1ec1u n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi \u0111\u00e3 b\u1ecf room t\u00edn d\u1ee5ng, v\u00ec \u0111\u00e2y l\u00e0 m\u1ec7nh l\u1ec7nh h\u00e0nh ch\u00ednh (kh\u00f4ng n\u00ean c\u00f3 trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng) v\u00e0 l\u00e0 r\u00e0o c\u1ea3n l\u1edbn \u0111\u1ec3 c\u00e1c TCTD c\u00f3 n\u0103ng l\u1ef1c ch\u1ee7 \u0111\u1ed9ng ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a m\u00ecnh. Khi c\u01a1 h\u1ed9i r\u1ed9ng m\u1edf s\u1ebd c\u00f3 th\u00eam nhi\u1ec1u CTTC tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng, t\u1ea1o n\u00ean quy lu\u1eadt c\u1ea1nh tranh l\u00e0nh m\u1ea1nh. Khi \u0111\u00f3, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i l\u00e0 kh\u00e1ch h\u00e0ng v\u00e0 n\u1ec1n kinh t\u1ebf.<\/div>\n
V\u1ec1 ph\u00eda c\u00e1c CTTC, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, s\u1ef1 n\u1ed7 l\u1ef1c thay \u0111\u1ed5i, tinh gi\u1ea3n b\u1ed9 m\u00e1y, gi\u1ea3m chi ph\u00ed \u0111\u1ea7u v\u00e0o \u0111\u1ec3 gi\u1ea3m l\u00e3i su\u1ea5t cho vay, t\u0103ng c\u01b0\u1eddng t\u00ednh minh b\u1ea1ch \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ch\u00fa tr\u1ecdng h\u01a1n \u0111\u1ebfn khu v\u1ef1c n\u00f4ng th\u00f4n v\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 t\u00e0i ch\u00ednh\u2026 l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t quy\u1ebft \u0111\u1ecbnh s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c CTTC trong t\u01b0\u01a1ng lai.<\/div>\n
\u0110\u1ea1i di\u1ec7n c\u00e1c CTTC, nh\u1eefng t\u1ed5 ch\u1ee9c \u0111ang d\u1eabn \u0111\u1ea7u v\u1ec1 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng hi\u1ec7n nay, cho r\u1eb1ng \u0111\u1ea9y m\u1ea1nh c\u00f4ng ngh\u1ec7 t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh, s\u00e1ng t\u1ea1o c\u00e1c s\u1ea3n ph\u1ea9m m\u1edbi l\u00e0 m\u1ea5u ch\u1ed1t \u0111\u1ec3 t\u1ea1o s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u1ec3 c\u1ea1nh tranh v\u1edbi “t\u00edn d\u1ee5ng \u0111en”.<\/div>\n

THANH T\u00c2M<\/strong><\/p>\n<\/div>\n<\/div>\n

——————<\/p>\n

S\u00e0i G\u00f2n \u0111\u1ea7u t\u01b0 (Ng\u00e2n h\u00e0ng) 21-03-2019:<\/b><\/em><\/p>\n

C\u1ea7n \u201c\u0111\u01a1n thu\u1ed1c\u201d cho \u201ct\u00edn d\u1ee5ng \u0111en\u201d | Ng\u00e2n h\u00e0ng | B\u00e1o S\u00e0i G\u00f2n \u0110\u1ea7u T\u01b0 T\u00e0i Ch\u00ednh (saigondautu.com.vn)<\/a><\/p>\n

(516\/1.151)<\/em>","protected":false},"excerpt":{"rendered":"

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