{"id":12439,"date":"2019-04-05T21:00:58","date_gmt":"2019-04-05T14:00:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=12439"},"modified":"2022-03-06T21:10:17","modified_gmt":"2022-03-06T14:10:17","slug":"2-600-sua-thong-tu-43-ca-khach-hang-lan-cong-ty-tai-chinh-deu-chiu-thiet","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-600-sua-thong-tu-43-ca-khach-hang-lan-cong-ty-tai-chinh-deu-chiu-thiet\/","title":{"rendered":"2.600. S\u1eeda Th\u00f4ng t\u01b0 43: C\u1ea3 kh\u00e1ch h\u00e0ng l\u1eabn c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec1u ch\u1ecbu thi\u1ec7t?"},"content":{"rendered":"

(CF) – Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, c\u1ea7n ph\u1ea3i h\u1ebft s\u1ee9c c\u00e2n nh\u1eafc s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p nh\u1eb1m gi\u1edbi h\u1ea1n vi\u1ec7c ph\u00e1t tri\u1ec3n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh…<\/strong><\/p>\n

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C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd b\u1ecb si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng h\u01a1n khi Th\u00f4ng t\u01b0 43 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i theo d\u1ef1 th\u1ea3o<\/em><\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang l\u1ea5y \u00fd ki\u1ebfn v\u1ec1 d\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 43 v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Xoay quanh n\u1ed9i dung n\u00e0y \u0111\u00e3 c\u00f3 nhi\u1ec1u \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p tr\u00e1i chi\u1ec1u. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC), Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI c\u0169ng c\u00f3 nh\u1eefng chia s\u1ebb v\u1ec1 c\u00e1c n\u1ed9i dung s\u1eeda \u0111\u1ed5i trong d\u1ef1 th\u1ea3o, \u0111\u1ed3ng th\u1eddi \u0111\u01b0a ra c\u00e1c ki\u1ebfn ngh\u1ecb.<\/p>\n

PV:<\/b>\u00a0Th\u01b0a \u00f4ng, NHNN \u0111ang l\u1ea5y \u00fd ki\u1ebfn v\u1ec1 d\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh v\u1ec1 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, \u00f4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 c\u00e1c thay \u0111\u1ed5i n\u00e0y?<\/b><\/i><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/b>\u00a0Nh\u00ecn chung D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN v\u1ec1 cho vay ti\u00eau d\u00f9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang quy \u0111\u1ecbnh r\u00f5 h\u01a1n c\u00e1c ngh\u0129a v\u1ee5 c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh nh\u1eb1m qu\u1ea3n l\u00fd ch\u1eb7t h\u01a1n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y.<\/p>\n

Tuy nhi\u00ean, c\u1ea7n ph\u1ea3i h\u1ebft s\u1ee9c c\u00e2n nh\u1eafc s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p nh\u1eb1m gi\u1edbi h\u1ea1n vi\u1ec7c ph\u00e1t tri\u1ec3n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t l\u00e0 quy \u0111\u1ecbnh ch\u1ec9 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang vay t\u1ea1i ch\u00ednh c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00f3 v\u00e0 t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh\u2026. \u0110i\u1ec1u n\u00e0y v\u1ec1 m\u1eb7t n\u00e0o \u0111\u00f3, s\u1ebd k\u00ecm h\u00e3m s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0nh m\u1ea1nh v\u00e0 h\u1ee3p ph\u00e1p, trong khi th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng \u0111en l\u1ea1i ch\u01b0a th\u1ec3 ki\u1ec3m so\u00e1t t\u1ed1t v\u00e0 \u0111ang c\u00f3 xu h\u01b0\u1edbng t\u0103ng m\u1ea1nh v\u1edbi nhi\u1ec1u bi\u1ebfn t\u01b0\u1edbng kh\u00e1c nhau.<\/p>\n

N\u00ean ch\u0103ng c\u1ea7n c\u00f3 \u0111\u1ecbnh h\u01b0\u1edbng d\u1ea7n, \u00e1p d\u1ee5ng t\u1eebng b\u01b0\u1edbc. T\u1eeb ch\u1ed7 ch\u01b0a h\u1ec1 c\u00f3 quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00e2y th\u00ec tr\u01b0\u1edbc m\u1eaft gi\u1edbi h\u1ea1n c\u1ea7n t\u00ednh t\u1edbi s\u1ef1 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf hi\u1ec7n nay, b\u1ea3o \u0111\u1ea3m cho c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng m\u1ed9t c\u00e1ch b\u00ecnh th\u01b0\u1eddng.<\/p>\n

M\u1ed9t trong nh\u1eefng thay \u0111\u1ed5i \u0111\u00e1ng ch\u00fa \u00fd m\u00e0 \u00f4ng nh\u1eafc \u0111\u1ebfn l\u00e0 h\u1ea1n ch\u1ebf vi\u1ec7c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng kh\u00f4ng qu\u00e1 30% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, \u0111i\u1ec1u n\u00e0y s\u1ebd g\u00e2y kh\u00f3 g\u00ec cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng?<\/b><\/i><\/p>\n

Ph\u00e1p lu\u1eadt hi\u1ec7n nay g\u1ea7n nh\u01b0 kh\u00f4ng b\u1eaft bu\u1ed9c ng\u01b0\u1eddi d\u00e2n ph\u1ea3i thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, t\u1eeb giao d\u1ecbch nh\u1ecf l\u1ebb cho \u0111\u1ebfn vi\u1ec7c mua b\u00e1n nh\u00e0 \u0111\u1ea5t l\u00ean \u0111\u1ebfn h\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Th\u00f3i quan ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch nh\u1ecf l\u1ebb do c\u00e1c ti\u1ec3u th\u01b0\u01a1ng (kh\u00f4ng ph\u1ea3i \u0111\u0103ng k\u00fd kinh doanh) cung c\u1ea5p, l\u00e0 tr\u1ef1c ti\u1ebfp thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t. C\u00e1c n\u1ec1n t\u1ea3ng v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t c\u0169ng ch\u01b0a th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c nhu c\u1ea7u.<\/p>\n

V\u00ec v\u1eady, tr\u00ean th\u1ef1c t\u1ebf, \u0111\u1ea1i \u0111a s\u1ed1 kh\u00e1ch h\u00e0ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec1u mu\u1ed1n nh\u1eadn ti\u1ec1n m\u1eb7t \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng h\u01a1n trong vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 c\u0169ng ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi nhu c\u1ea7u nh\u1eadn ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi b\u00e1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5. Do \u0111\u00f3 \u0111\u1ea7u ti\u00ean l\u00e0 kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vay v\u1ed1n, s\u1ebd b\u1ecb h\u1ea1n ch\u1ebf vay trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, nh\u01b0 l\u00e0 kh\u00f3 c\u00f3 th\u1ec3 nh\u1eadn ti\u1ec1n m\u1eb7t \u0111\u1ec3 l\u00ean m\u1ea1ng mua h\u00e0ng giao t\u1eadn nh\u00e0.<\/p>\n

C\u00f2n kh\u00f3 kh\u0103n cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec sao th\u01b0a \u00f4ng?<\/i><\/b><\/p>\n

V\u1edbi quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng, C\u00f4ng ty t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c c\u00f4ng ty v\u1eeba t\u00e1i c\u01a1 c\u1ea5u, m\u1edbi th\u00e0nh l\u1eadp, c\u00e1c c\u00f4ng ty nh\u1ecf s\u1ebd m\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u00ec m\u1ed9t ph\u1ea7n b\u1ecb kh\u00e1ch “ch\u00ea” kh\u00f4ng vay, \u0111\u1ed3ng th\u1eddi c\u0169ng kh\u00f4ng d\u00e1m ph\u1ee5c v\u1ee5 nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u00ec kh\u00f4ng th\u1ec3 gi\u1ea3i ng\u00e2n \u0111\u01b0\u1ee3c b\u1eb1ng ti\u1ec1n m\u1eb7t. Do \u0111\u00f3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd ph\u1ea3i h\u1ea1n ch\u1ebf c\u00e1c s\u1ea3n ph\u1ea9m cho vay ph\u00f9 h\u1ee3p v\u1edbi th\u00f3i quen v\u00e0 nhu c\u1ea7u th\u1ef1c t\u1ebf c\u1ee7a ng\u01b0\u1eddi d\u00e2n nh\u01b0 \u0111\u00e3 n\u00eau tr\u00ean (gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp ti\u1ec1n m\u1eb7t cho kh\u00e1ch h\u00e0ng vay) v\u00e0 bu\u1ed9c ph\u1ea3i cung c\u1ea5p c\u00e1c d\u00f2ng s\u1ea3n ph\u1ea9m cho vay gi\u1ea3i ng\u00e2n cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng \u2013 l\u00e0 m\u1ea3ng s\u1ea3n ph\u1ea9m \u00edt h\u1ea5p d\u1eabn v\u00e0 \u0111\u00e3 c\u00f3 nhi\u1ec1u C\u00f4ng ty t\u00e0i ch\u00ednh g\u1ea1o c\u1ed9i khai th\u00e1c t\u1eeb l\u00e2u.<\/p>\n

N\u1ebfu quy \u0111\u1ecbnh s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 43 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng, c\u00e1c C\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd ph\u1ea3i b\u01b0\u1edbc v\u00e0o cu\u1ed9c c\u1ea1nh tranh gay g\u1eaft trong vi\u1ec7c cung c\u1ea5p s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng. C\u00e1c \u0111\u1ed1i t\u00e1c b\u00e1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 c\u00f3 th\u1ec3 l\u1ee3i d\u1ee5ng t\u00ecnh hu\u1ed1ng \u0111\u1ec3 \u00e9p c\u00e1c C\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ea5p nh\u1eadn c\u00e1c \u0111\u00f2i h\u1ecfi v\u1ec1 m\u1ee9c ph\u00ed chi tr\u1ea3, ti\u00eau chu\u1ea9n cho vay… g\u00e2y r\u1ee7i ro cho th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng.<\/p>\n

Ch\u01b0a k\u1ec3 \u0111\u1ebfn, khi tri\u1ec3n khai s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng, C\u00f4ng ty t\u00e0i ch\u00ednh bu\u1ed9c ph\u1ea3i thu th\u1eadp h\u1ed3 s\u01a1 cho vay bao g\u1ed3m c\u1ea3 c\u00e1c h\u00f3a \u0111\u01a1n, ch\u1ee9ng t\u1eeb ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n tr\u01b0\u1edbc khi gi\u1ea3i ng\u00e2n. Trong khi \u0111\u00f3, nhi\u1ec1u nhu c\u1ea7u vay v\u1ed1n nh\u01b0 \u0111\u00f3ng h\u1ecdc ph\u00ed, du l\u1ecbch, hi\u1ebfu h\u1ef7, s\u1eeda ch\u1eefa nh\u00e0 c\u1eeda, trang tr\u1ea3i chi ph\u00ed sinh ho\u1ea1t gia \u0111\u00ecnh, ng\u01b0\u1eddi d\u00e2n kh\u00f4ng c\u00f3 ch\u1ee9ng t\u1eeb ho\u1eb7c ch\u1ec9 c\u00f3 th\u1ec3 ho\u00e0n thi\u1ec7n ch\u1ee9ng t\u1eeb sau gi\u1ea3i ng\u00e2n. Kh\u00e1ch h\u00e0ng theo \u0111\u00f3 khi c\u00f3 nhu c\u1ea7u s\u1ebd t\u00ecm c\u00e1ch h\u1ee3p l\u00fd h\u00f3a ch\u1ee9ng t\u1eeb \u0111\u1ec3 r\u00fat ti\u1ec1n m\u1eb7t, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y r\u1ee7i ro l\u1edbn cho ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng.<\/p>\n

M\u1ed9t quy \u0111\u1ecbnh n\u1eefa c\u0169ng thu h\u00fat s\u1ef1 ch\u00fa \u00fd l\u00e0 d\u1ef1 th\u1ea3o ch\u1ec9 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang vay t\u1ea1i ch\u00ednh c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00f3, xin h\u1ecfi \u00f4ng \u0111i\u1ec1u n\u00e0y c\u00f3 h\u1ee3p l\u00fd?<\/i><\/b><\/p>\n

Quy \u0111\u1ecbnh n\u00e0y c\u00f3 th\u1ec3 ph\u00f9 h\u1ee3p ph\u1ea7n n\u00e0o \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 c\u00f3 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng giao d\u1ecbch l\u1edbn. Song n\u00f3 g\u1ea7n nh\u01b0 ch\u1eb7n \u0111\u1ee9ng kh\u1ea3 n\u0103ng gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t \u0111\u1ed1i v\u1edbi c\u00e1c C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng m\u1edbi tham gia th\u1ecb tr\u01b0\u1eddng.<\/p>\n

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Kh\u00e1ch h\u00e0ng c\u0169ng s\u1ebd b\u1ecb thi\u1ec7t th\u00f2i trong tr\u01b0\u1eddng h\u1ee3p th\u1ef1c s\u1ef1 c\u00f3 nhu c\u1ea7u ch\u00ednh \u0111\u00e1ng v\u1ec1 nh\u1eadn gi\u1ea3i ng\u00e2n ti\u1ec1n m\u1eb7t, nh\u1ea5t l\u00e0 nh\u1eefng kho\u1ea3n ti\u1ec1n nh\u1ecf l\u1ebb, m\u00e0 l\u1ed7i th\u00ec kh\u00f4ng ph\u1ea3i c\u1ee7a h\u1ecd, c\u0169ng kh\u00f4ng ph\u1ea3i l\u1ea3 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh, m\u00e0 ch\u1ec9 v\u00ec quy \u0111\u1ecbnh c\u1ee9ng nh\u1eafc, kh\u00f4ng cho ph\u00e9p.<\/p>\n

V\u1eady theo \u00f4ng Th\u00f4ng t\u01b0 c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh th\u1ebf n\u00e0o cho h\u1ee3p l\u00fd, \u0111\u1ec3 v\u1eeba ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c r\u1ee7i ro, v\u1eeba khuy\u1ebfn kh\u00edch c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n l\u1ea1i v\u1eeba g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en?<\/i><\/b><\/i><\/b><\/p>\n

Vi\u1ec7c ki\u1ec3m so\u00e1t t\u0103ng tr\u01b0\u1edfng v\u00e0 gi\u1ea3i ng\u00e2n cho vay ti\u00eau d\u00f9ng l\u00e0 c\u1ea7n thi\u1ebft. Tuy nhi\u00ean, c\u1ea7n ph\u1ea3i th\u1ef1c s\u1ef1 v\u00ec nhi\u1ec1u m\u1ee5c ti\u00eau l\u00e0 nh\u1eb1m \u0111\u1ea3m b\u1ea3o vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c an to\u00e0n h\u01a1n, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho ng\u01b0\u1eddi vay v\u1ed1n, \u0111\u1ed3ng th\u1eddi t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng, nh\u1ea5t l\u00e0 c\u00e1c c\u00f4ng ty nh\u1ecf, m\u1edbi gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng, \u1ed5n \u0111\u1ecbnh, g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng \u0111en.<\/p>\n

V\u00ec v\u1eady, theo t\u00f4i Th\u00f4ng t\u01b0 n\u00ean \u0111\u1eb7t ra c\u00e1c gi\u1edbi h\u1ea1n ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, \u0111\u1ed3ng th\u1eddi c\u1ea7n t\u1eadp trung theo h\u01b0\u1edbng n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng th\u00f4ng qua y\u00eau c\u1ea7u v\u1ec1 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro, thu h\u1ed3i n\u1ee3.<\/p>\n

\n
\"S\u1eeda<\/a><\/div>\n
\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/p>\n<\/div>\n<\/div>\n

C\u0169ng li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, hi\u1ec7n nay NHNN \u0111\u01b0a ra m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 2019 l\u00e0 14% v\u00e0 \u0111\u00e3 giao c\u1ee5 th\u1ec3 room \u0111\u1ebfn t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, g\u1ed3m c\u1ea3 c\u00f4ng ty t\u00e0i ch\u00ednh, theo \u00f4ng \u00e1p d\u1ee5ng m\u1ed9t room chung cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng nh\u01b0 v\u1eady c\u00f3 h\u1ee3p l\u00fd?<\/i><\/b><\/p>\n

Vi\u1ec7c \u00e1p room t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) l\u00e0 h\u1ee3p l\u00fd, v\u00ec quy m\u00f4 d\u01b0 n\u1ee3 v\u00e0 s\u1ef1 \u1ea3nh h\u01b0\u1edfng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u1ec1n kinh t\u1ebf l\u00e0 kh\u00e1 l\u1edbn.<\/p>\n

Nh\u01b0ng quy m\u00f4 t\u1ed5ng d\u01b0 n\u1ee3 cho vay c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c C\u00f4ng ty m\u1edbi th\u00e0nh l\u1eadp v\u00e0 m\u1edbi tri\u1ec3n khai ho\u1ea1t \u0111\u1ed9ng ch\u1ec9 r\u1ea5t nh\u1ecf so v\u1edbi quy m\u00f4 t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a NHTM (hi\u1ec7n c\u00f3 t\u1ed5ng d\u01b0 n\u1ee3 ch\u1ec9 ch\u01b0a \u0111\u1ebfn 10% d\u01b0 n\u1ee3 c\u1ee7a n\u1ec1n kinh t\u1ebf). Do \u0111\u00f3, \u1ea3nh h\u01b0\u1edfng v\u1ec1 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong n\u1ec1n kinh t\u1ebf l\u00e0 kh\u00f4ng \u0111\u00e1ng k\u1ec3. V\u00ec v\u1eady, vi\u1ec7c \u0111\u1eb7t ra tr\u1ea7n ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi c\u00e1c C\u00f4ng ty t\u00e0i ch\u00ednh, nh\u1ea5t l\u00e0 c\u00e1c c\u00f4ng ty c\u00f3 quy m\u00f4 nh\u1ecf l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft trong m\u1ee5c ti\u00eau ki\u1ec3m so\u00e1t t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p>\n

Ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u00e3 \u0111\u1eb7t ra hai gi\u1edbi h\u1ea1n r\u1ea5t ch\u1eb7t ch\u1ebd l\u00e0: (i) t\u1ed5ng d\u01b0 n\u1ee3 ti\u00eau d\u00f9ng c\u1ee7a 01 kh\u00e1ch h\u00e0ng t\u1ea1i m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 100.000.000 \u0111\u1ed3ng v\u00e0 (ii) t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1ed1i thi\u1ec3u chi\u1ebfm 70% t\u1ed5ng d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng. C\u00e1c quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 \u0111\u1ea3m b\u1ea3o C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u1ea3i \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng v\u00e0 k\u1ebf ho\u1ea1ch t\u0103ng tr\u01b0\u1edfng c\u1ee7a m\u00ecnh. Do v\u1eady, kh\u00f4ng c\u1ea7n ph\u1ea3i quy \u0111\u1ecbnh th\u00eam gi\u1edbi h\u1ea1n t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/p>\n

V\u1edbi nhu c\u1ea7u th\u1ef1c ti\u1ec5n c\u1ee7a th\u1ecb tr\u01b0\u1eddng c\u00f2n r\u1ea5t l\u1edbn th\u00ec vi\u1ec7c \u00e1p d\u1ee5ng room t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng li\u1ec7u s\u1ebd d\u1eabn \u0111\u1ebfn nh\u1eefng h\u1ec7 qu\u1ea3 g\u00ec, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi m\u1ee5c ti\u00eau \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en th\u01b0a \u00f4ng?<\/i><\/b><\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang ph\u1ee5c v\u1ee5 cho nh\u1eefng nhu c\u1ea7u thi\u1ebft th\u1ef1c, th\u01b0\u1eddng xuy\u00ean, kh\u00f4ng l\u1edbn v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi d\u00e2n (nh\u1ea5t l\u00e0 v\u00f9ng s\u00e2u, v\u00f9ng xa, \u0111\u1ed1i t\u01b0\u1ee3ng y\u1ebfu th\u1ebf trong x\u00e3 h\u1ed9i) \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng c\u00e1c ngu\u1ed3n t\u00edn d\u1ee5ng an to\u00e0n, h\u1ee3p ph\u00e1p.<\/p>\n

Vi\u1ec7c h\u1ea1n ch\u1ebf qu\u00e1 ch\u1eb7t ch\u1ebd ph\u00e1t tri\u1ec3n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng s\u1ebd h\u1ea1n ch\u1ebf ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n n\u00e0y. Trong b\u1ed1i c\u1ea3nh nhu c\u1ea7u vay v\u1ed1n ti\u00eau d\u00f9ng trong x\u00e3 h\u1ed9i ng\u00e0y c\u00e0ng l\u1edbn, th\u00ec s\u1ebd bu\u1ed9c ng\u01b0\u1eddi d\u00e2n ph\u1ea3i t\u00ecm \u0111\u1ebfn c\u00e1c h\u00ecnh th\u1ee9c cho vay r\u1ee7i ro cao ho\u1eb7c phi ph\u00e1p (vay n\u1eb7ng l\u00e3i, t\u00edn d\u1ee5ng \u0111en\u2026) g\u00e2y b\u1ea5t \u1ed5n cho x\u00e3 h\u1ed9i.<\/p>\n

H\u01a1n n\u1eefa, C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng r\u1ea5t h\u1eb9p, k\u1ebft qu\u1ea3 kinh doanh ph\u1ee5 thu\u1ed9c h\u1ea7u h\u1ebft v\u00e0o ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng. N\u1ebfu giao cho c\u00e1c C\u00f4ng ty t\u00e0i ch\u00ednh m\u1ed9t t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng qu\u00e1 ch\u1eb7t s\u1ebd h\u1ea1n ch\u1ebf “quy\u1ec1n trong t\u1ef1 ch\u1ee7 ho\u1ea1t \u0111\u1ed9ng kinh doanh” theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 7 Lu\u1eadt C\u00e1c TCTD v\u00e0 ch\u1eb7n \u0111\u1ee9ng kh\u1ea3 n\u0103ng t\u0103ng tr\u01b0\u1edfng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ch\u00ednh \u0111\u00e1ng, h\u1ee3p l\u00fd c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Vi\u1ec7c h\u1ea1n ch\u1ebf n\u00e0y c\u00f2n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn ch\u1eb7n \u0111\u1ee9ng kh\u1ea3 n\u0103ng gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng c\u1ee7a c\u00f4ng ty m\u1edbi, c\u00f2n c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh nh\u1ecf th\u00ec ph\u1ea3i thu h\u1eb9p, th\u1eadm ch\u1ec9 d\u1eebng ho\u1ea1t \u0111\u1ed9ng do kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng c\u1ea1nh tranh. Nh\u01b0 v\u1eady, v\u00f4 h\u00ecnh trung s\u1ebd t\u1ea1o ra s\u1ef1 b\u1ea5t b\u00ecnh \u0111\u1eb3ng trong c\u1ea1nh tranh, \u1ea3nh h\u01b0\u1edfng x\u1ea5u t\u1edbi quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng trong vi\u1ec7c ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng.<\/p>\n

Xin c\u1ea3m \u01a1n nh\u1eefng chia s\u1ebb c\u1ee7a \u00f4ng!<\/b><\/i><\/p>\n<\/div>\n

Ph\u01b0\u01a1ng Huy\u1ec1n<\/strong><\/p>\n

Theo Nh\u1ecbp s\u1ed1ng kinh t\u1ebf<\/em><\/p>\n

——————<\/p>\n

CafeF (Ng\u00e2n h\u00e0ng) 05-04-2019:<\/b><\/em><\/p>\n

S\u1eeda Th\u00f4ng t\u01b0 43: C\u1ea3 kh\u00e1ch h\u00e0ng l\u1eabn c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec1u ch\u1ecbu thi\u1ec7t? (cafef.vn)<\/a>","protected":false},"excerpt":{"rendered":"

(CF) – Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, c\u1ea7n ph\u1ea3i h\u1ebft s\u1ee9c c\u00e2n nh\u1eafc s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p nh\u1eb1m gi\u1edbi h\u1ea1n vi\u1ec7c ph\u00e1t tri\u1ec3n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh… C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd b\u1ecb si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng h\u01a1n khi Th\u00f4ng t\u01b0 43 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i theo d\u1ef1 […]<\/p>\n","protected":false},"author":10,"featured_media":12446,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-12439","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.600. S\u1eeda Th\u00f4ng t\u01b0 43: C\u1ea3 kh\u00e1ch h\u00e0ng l\u1eabn c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec1u ch\u1ecbu thi\u1ec7t? - 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\/en\/2-600-sua-thong-tu-43-ca-khach-hang-lan-cong-ty-tai-chinh-deu-chiu-thiet\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.600. 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