{"id":12949,"date":"2019-03-22T21:08:48","date_gmt":"2019-03-22T14:08:48","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=12949"},"modified":"2022-03-10T22:52:11","modified_gmt":"2022-03-10T15:52:11","slug":"2-564-tao-thuan-loi-cho-tin-dung-tieu-dung-lai-suat-se-giam","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-564-tao-thuan-loi-cho-tin-dung-tieu-dung-lai-suat-se-giam\/","title":{"rendered":"2.564. T\u1ea1o thu\u1eadn l\u1ee3i cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: L\u00e3i su\u1ea5t s\u1ebd gi\u1ea3m"},"content":{"rendered":"(\u0110BND) – D\u00f9 kh\u00f4ng \u0111\u1ee7 s\u1ee9c ng\u0103n ch\u1eb7n ho\u00e0n to\u00e0n \u201ct\u00edn d\u1ee5ng \u0111en\u201d nh\u01b0ng n\u1ebfu \u0111\u01b0\u1ee3c t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 ph\u00e1t tri\u1ec3n, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng s\u1ebd \u0111em l\u1ea1i l\u1ee3i \u00edch kh\u00f4ng ch\u1ec9 ng\u01b0\u1eddi d\u00e2n m\u00e0 c\u00f2n gi\u00fap t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.<\/strong><\/p>\n

Tuy\u00ean chi\u1ebfn v\u1edbi \u201ct\u00edn d\u1ee5ng \u0111en\u201d<\/strong><\/p>\n

\u201cT\u00edn d\u1ee5ng \u0111en\u201d s\u1edf d\u0129 c\u00f3 th\u1ec3 n\u1edf r\u1ed9 trong nhi\u1ec1u n\u0103m qua l\u00e0 b\u1edfi m\u1ed9t th\u1eddi gian d\u00e0i, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u00f2n m\u1ecfng, d\u1ecbch v\u1ee5 cho vay ch\u01b0a b\u00e1m s\u00e1t nhu c\u1ea7u ng\u01b0\u1eddi vay, ch\u01b0a ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00e2n \u1edf v\u00f9ng s\u00e2u, v\u00f9ng xa. M\u1eb7t kh\u00e1c, th\u1ee7 t\u1ee5c, quy \u0111\u1ecbnh trong vi\u1ec7c cho vay v\u1ed1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u00f2n r\u01b0\u1eddm r\u00e0, ph\u1ee9c t\u1ea1p. Trong khi \u0111\u00f3 \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u1ea1i ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng r\u1ea5t nhanh, th\u1ee7 t\u1ee5c ng\u1eafn g\u1ecdn, kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p, kh\u00f4ng c\u1ea7n ch\u1ee9ng minh nh\u00e2n d\u00e2n\u2026 C\u0169ng ch\u00ednh b\u1edfi v\u1eady, \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111\u00e3 \u0111\u1ec3 l\u1ea1i r\u1ea5t nhi\u1ec1u h\u1eadu qu\u1ea3 n\u1eb7ng n\u1ec1 cho x\u00e3 h\u1ed9i, t\u1eeb x\u00f3m tr\u1ecd \u0111\u1ebfn khu c\u00f4ng nghi\u1ec7p, th\u1eadm ch\u00ed tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc.<\/p>\n

M\u1edbi \u0111\u00e2y, b\u00e1o ch\u00ed \u0111\u01b0a tin ch\u1ecb L\u00ea Th\u1ecb Thanh T (32 tu\u1ed5i, qu\u00ea Long An) hi\u1ec7n l\u00e0 c\u00f4ng nh\u00e2n C\u00f4ng ty TNHH Pou Yuen Vi\u1ec7t Nam (qu\u1eadn B\u00ecnh T\u00e2n, TP H\u1ed3 Ch\u00ed Minh) \u0111\u01b0\u1ee3c m\u1ed9t \u0111\u1ed3ng nghi\u1ec7p gi\u1edbi thi\u1ec7u vay ti\u1ec1n t\u1eeb m\u1ed9t \u0111\u01b0\u1eddng d\u00e2y cho vay t\u00edn d\u1ee5ng. T\u1eeb s\u1ed1 ti\u1ec1n 30 tri\u1ec7u \u0111\u1ed3ng, ch\u1ec9 2 th\u00e1ng sau, n\u1ee3 c\u1ee7a ch\u1ecb T nh\u1ea3y l\u00ean 110 tri\u1ec7u \u0111\u1ed3ng. Kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c ti\u1ec1n, nh\u00f3m ng\u01b0\u1eddi cho vay ti\u1ec1n \u0111\u00e3 \u201ct\u1ed5 ch\u1ee9c\u201d b\u1eaft c\u00f3c, d\u1ecda d\u1eabm ch\u1ecb \u0111\u1ec3 t\u1ed1ng ti\u1ec1n. V\u1ee5 vi\u1ec7c ch\u1ec9 d\u1eebng l\u1ea1i khi l\u1ef1c l\u01b0\u1ee3ng c\u00f4ng an k\u1ecbp th\u1eddi gi\u1ea3i c\u1ee9u.<\/p>\n

G\u1ea7n \u0111\u00e2y, h\u1ed3i \u0111\u1ea7u th\u00e1ng 1.2019, c\u00f4ng an t\u1ec9nh B\u00ecnh \u0110\u1ecbnh \u0111\u00e3 ki\u1ec3m tra v\u00e0 tri\u1ec7u t\u1eadp 8 \u0111\u1ed1i t\u01b0\u1ee3ng li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d cho vay 470 l\u01b0\u1ee3t v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n l\u00e0 6.396 t\u1ef7 \u0111\u1ed3ng ch\u1ec9 trong th\u1eddi gian t\u1eeb 11.11.2018 \u0111\u1ebfn ng\u00e0y 7.1.2019. Tr\u01b0\u1edbc \u0111\u00f3, c\u00f4ng an t\u1ec9nh Thanh H\u00f3a ph\u1ed1i h\u1ee3p v\u1edbi C\u1ee5c C\u1ea3nh s\u00e1t h\u00ecnh s\u1ef1 (B\u1ed9 C\u00f4ng an) tri\u1ec7t ph\u00e1 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111en Nam Long cho vay v\u1edbi l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 1.000%\/n\u0103m, ho\u1ea1t \u0111\u1ed9ng t\u1ea1i 63 t\u1ec9nh, th\u00e0nh. V\u1edbi v\u1ee5 \u00e1n n\u00e0y, c\u00f3 9 b\u1ecb can b\u1ecb kh\u1edfi t\u1ed1, trong \u0111\u00f3, t\u1ea1m giam 4 th\u00e1ng v\u1edbi 7 b\u1ecb can, ph\u00e1t l\u1ec7nh truy n\u00e3 2 k\u1ebb b\u1ecf tr\u1ed1n.<\/p>\n

L\u00fd gi\u1ea3i d\u01b0\u1edbi g\u00f3c \u0111\u1ed9 ngu\u1ed3n v\u1ed1n v\u00e0 nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n, \u00f4ng Nguy\u1ec5n T\u00fa Anh, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc (NHNN) cho bi\u1ebft, g\u1ea7n \u0111\u00e2y, \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111\u00e3 b\u00f9ng ph\u00e1t m\u1ea1nh m\u1ebd \u1edf n\u01b0\u1edbc ta. \u0110i\u1ec1u \u0111\u00f3 cho th\u1ea5y nhu c\u1ea7u v\u1ec1 c\u00e1c kho\u1ea3n vay nh\u1ecf, c\u1ea5p b\u00e1ch c\u1ee7a ng\u01b0\u1eddi d\u00e2n r\u1ea5t l\u1edbn trong khi c\u00e1c kho\u1ea3n cho vay truy\u1ec1n th\u1ed1ng ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c nhu c\u1ea7u n\u00e0y.<\/p>\n\n\n\n
<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nh\u00ecn t\u1eeb v\u0129 m\u00f4, TS. Nguy\u1ec5n \u0110\u00ecnh Cung, Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Nghi\u00ean c\u1ee9u qu\u1ea3n l\u00fd kinh t\u1ebf trung \u01b0\u01a1ng (CIEM) ch\u1ec9 ra r\u1eb1ng: S\u1ef1 n\u1ed5i l\u00ean c\u1ee7a t\u1ea7ng l\u1edbp thu nh\u1eadp trung b\u00ecnh \u1edf Vi\u1ec7t Nam trong th\u1eadp ni\u00ean qua \u0111\u00e3 k\u00e9o theo s\u1ef1 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 v\u1ec1 h\u00e0nh vi ti\u00eau d\u00f9ng, \u00a0\u0111\u00f3 l\u00e0:<\/p>\n

Kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0 \u201cti\u1ebft ki\u1ec7m tr\u01b0\u1edbc, ti\u00eau sau\u201d m\u00e0 c\u00f3 th\u1ec3 l\u00e0 \u201cvay mua tr\u01b0\u1edbc, tr\u1ea3 sau\u201d. Trong khi \u0111\u00f3, t\u00ecnh tr\u1ea1ng thi\u1ebfu h\u1ee5t\u00a0 ngu\u1ed3n cung \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay gi\u00e1 tr\u1ecb nh\u1ecf; vi\u1ec7c ti\u1ebfp c\u1eadn TDTD ch\u00ednh th\u1ee9c c\u00f2n thi\u1ebfu bao tr\u00f9m khi h\u1ecdc sinh, sinh vi\u00ean, n\u00f4ng d\u00e2n \u0111\u01b0\u1ee3c vay r\u1ea5t \u00edt; ngay c\u1ea3 v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay, nhu c\u1ea7u t\u00edn d\u1ee5ng c\u00f2n ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 khi tr\u00ean 50% kh\u00e1ch h\u00e0ng t\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) v\u00e0 60% t\u1ea1i NHTM ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng d\u01b0\u1edbi 2\/3 nhu c\u1ea7u v\u1ed1n, cho th\u1ea5y d\u01b0 \u0111\u1ecba cho th\u1ecb tr\u01b0\u1eddng TCTD l\u00e0 r\u1ea5t l\u1edbn. \u201cNgh\u0129a l\u00e0, ph\u00e1t tri\u1ec3n TCTD kh\u00f4ng ch\u1ec9 \u0111\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d, m\u00e0 c\u00f2n l\u00e0 m\u1ed9t con \u0111\u01b0\u1eddng, m\u1ed9t \u0111\u1ed9ng l\u1ef1c, m\u1ed9t c\u00e1ch th\u1ee9c \u0111\u1ec3 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i, m\u1edf ra m\u1ed9t c\u01a1 h\u1ed9i n\u00e2ng cao ph\u00fac l\u1ee3i cho ng\u01b0\u1eddi d\u00e2n\u201d, TS. Nguy\u1ec5n \u0110\u00ecnh Cung ph\u00e2n t\u00edch.<\/p>\n

Trong khi \u0111\u00f3, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng, kh\u00f3 c\u00f3 th\u1ec3 \u01b0\u1edbc t\u00ednh \u0111\u01b0\u1ee3c quy m\u00f4 \u201ct\u00edn d\u1ee5ng \u0111en hi\u1ec7n\u201d \u0111\u00e3 b\u00e0nh tr\u01b0\u1edbng \u0111\u1ebfn m\u1ee9c \u0111\u1ed9 n\u00e0o, song c\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh l\u00e0 c\u1ef1c k\u1ef3 l\u1edbn. \u201cT\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, k\u00eanh ng\u00e2n h\u00e0ng ch\u00ednh th\u1ed1ng, qu\u1ef9 t\u00edn d\u1ee5ng, gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh vi m\u00f4\u2026 kh\u00f4ng th\u1ec3 ng\u0103n ch\u1eb7n, \u0111\u1ea9y l\u00f9i ho\u00e0n to\u00e0n \u201ct\u00edn d\u1ee5ng \u0111en\u201d b\u1edfi hi\u1ec7n nay n\u00f3 \u0111ang ho\u1ea1t \u0111\u1ed9ng r\u1ea5t m\u1ea1nh m\u1ebd, b\u1ea5t ch\u1ea5p ph\u00e1p lu\u1eadt.<\/em><\/p>\n

Tuy nhi\u00ean, d\u00f9 ch\u1ec9 h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c m\u1ee9c \u0111\u1ed9 n\u00e0o \u0111\u00f3 th\u00ec vi\u1ec7c ph\u00e1t tri\u1ec3n cho vay ti\u00eau d\u00f9ng v\u1eabn c\u1ea7n thi\u1ebft trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay\u201d, \u00f4ng \u0110\u1ee9c nh\u00ecn nh\u1eadn. D\u01b0\u1edbi g\u00f3c \u0111\u1ed9 th\u1ecb tr\u01b0\u1eddng, theo v\u1ecb lu\u1eadt s\u01b0, khi c\u1ea7u c\u00f3 s\u1eb5n v\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i \u1ed5n \u0111\u1ecbnh, vi\u1ec7c ngu\u1ed3n cung v\u1ed1n h\u1ee3p ph\u00e1p ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh s\u1ebd gi\u00fap cho th\u1ecb tr\u01b0\u1eddng c\u00e2n b\u1eb1ng h\u01a1n. \u0110\u1eb7c bi\u1ec7t, \u0111i\u1ec1u n\u00e0y r\u1ea5t c\u00f3 l\u1ee3i cho ng\u01b0\u1eddi d\u00e2n b\u1edfi h\u1ecd \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn kho\u1ea3n vay h\u1ee3p l\u00fd v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea3n th\u00e2n v\u00e0 th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n h\u01a1n.<\/em><\/p>\n

C\u00f2n theo chuy\u00ean gia kinh t\u1ebf B\u00f9i Ki\u1ebfn Th\u00e0nh, d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng r\u1ea5t quan tr\u1ecdng b\u1edfi n\u00f3 chi\u1ebfm \u0111\u1ebfn 80% nhu c\u1ea7u t\u00edn d\u1ee5ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng. V\u00ec v\u1eady, b\u00ean c\u1ea1nh vi\u1ec7c tuy\u00ean chi\u1ebfn v\u1edbi \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u00e0 mang l\u1ea1i l\u1ee3i \u00edch cho ng\u01b0\u1eddi d\u00e2n, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u00f2n gi\u00fap ph\u00e1t tri\u1ec3n n\u1ec1n kinh t\u1ebf ti\u00eau d\u00f9ng, gi\u00fap t\u0103ng tr\u01b0\u1edfng c\u1ee7a n\u1ec1n kinh t\u1ebf gi\u1ea3m l\u1ec7 thu\u1ed9c v\u00e0o kh\u1ed1i xu\u1ea5t kh\u1ea9u nh\u01b0 hi\u1ec7n nay.<\/p>\n

Th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh l\u00e3i su\u1ea5t<\/em><\/strong><\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, v\u1edbi \u00fd ngh\u0129a kh\u00f4ng nh\u1ecf c\u1ee7a t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, c\u1ea7n t\u1ea1o h\u00e0nh lang th\u00f4ng tho\u00e1ng cho lo\u1ea1i h\u00ecnh cho vay n\u00e0y ph\u00e1t tri\u1ec3n. \u201cN\u1ebfu c\u1ee9 h\u00f4 h\u00e0o ng\u0103n ch\u1eb7n \u201ct\u00edn d\u1ee5ng \u0111en\u201d m\u00e0 kh\u00f4ng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho h\u00ecnh th\u1ee9c h\u1ee3p ph\u00e1p \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng th\u00ec kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 g\u00ec. C\u00e2u chuy\u1ec7n \u1edf \u0111\u00e2y l\u00e0 cung – c\u1ea7u. Khi \u0111\u01b0\u1ee3c t\u1ea1o \u0111i\u1ec1u ki\u1ec7n, c\u1ea7u v\u00e0 cung g\u1eb7p nhau, nh\u00e0 \u0111\u1ea7u t\u01b0 th\u1ea5y m\u00f4i tr\u01b0\u1eddng thu\u1eadn l\u1ee3i s\u1ebd lao v\u00e0o l\u00e0m d\u1ecbch v\u1ee5 \u0111\u00f3, t\u1ea5t y\u1ebfu s\u1ebd h\u1ea1 l\u00e3i su\u1ea5t \u0111\u1ec3 c\u1ea1nh tranh, c\u00f3 l\u1ee3i cho ng\u01b0\u1eddi vay\u201d, lu\u1eadt s\u01b0 \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n

\u00d4ng c\u0169ng g\u00f3p \u00fd m\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng nh\u01b0 hi\u1ec7n nay c\u0169ng \u0111ang ph\u00f9 h\u1ee3p. Cho vay ti\u00eau d\u00f9ng n\u00ean \u0111\u01b0\u1ee3c ph\u00e9p c\u00f3 d\u1ea3i l\u00e3i su\u1ea5t \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee9c 50%, b\u1edfi n\u1ebfu kh\u00f4ng s\u1ebd \u201cph\u1ea3n t\u00e1c d\u1ee5ng\u201d, khi\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d c\u00f3 c\u01a1 h\u1ed9i n\u1edf r\u1ed9 h\u01a1n.<\/em> Chuy\u00ean gia B\u00f9i Ki\u1ebfn Th\u00e0nh \u0111\u1ed3ng t\u00ecnh n\u00ean \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn trong ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng. Tuy nhi\u00ean, \u00f4ng cho r\u1eb1ng c\u1ea7n c\u00f3 bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng \u0111\u1ea9y l\u00e3i su\u1ea5t l\u00ean qu\u00e1 cao. \u00d4ng Th\u00e0nh n\u00eau quan \u0111i\u1ec3m: \u201cT\u1ea1o h\u00e0nh lang th\u1ef1c s\u1ef1 th\u00f4ng tho\u00e1ng cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0 r\u1ea5t \u0111\u00fang \u0111\u1eafn nh\u01b0ng NHNN c\u1ea7n c\u00f3 c\u00e1ch qu\u1ea3n l\u00fd nghi\u00eam t\u00fac \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u1edf m\u1ee9c h\u1ee3p l\u00fd. Hi\u1ec7n, Ph\u00e1p hay m\u1ed9t s\u1ed1 ti\u1ec3u bang c\u1ee7a M\u1ef9 \u0111\u1ec1u c\u00f3 d\u1ea3i l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng h\u1ee3p l\u00fd, \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd v\u00e0 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho c\u1ea3 b\u00ean cho vay v\u00e0 b\u00ean \u0111i vay. Ch\u00fang ta r\u1ea5t n\u00ean h\u1ecdc t\u1eadp\u201d.<\/p>\n

Trong khi \u0111\u00f3, vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t s\u1ebd khi\u1ebfn c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f3 ph\u00e1t huy h\u1ebft vai tr\u00f2 c\u1ee7a m\u00ecnh trong vi\u1ec7c tung c\u00e1c s\u1ea3n ph\u1ea9m m\u1edbi, \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi nh\u1eefng ch\u00ednh s\u00e1ch ph\u00f9 h\u1ee3p v\u00e0 l\u00e3i su\u1ea5t c\u1ea1nh tranh. Nh\u01b0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a TS. C\u1ea5n V\u0103n L\u1ef1c: \u201cTheo t\u00f4i, kh\u00f4ng n\u00ean \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t, v\u00ec trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, b\u00ean cho vay v\u00e0 b\u00ean vay \u0111\u00e3 c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t. N\u1ebfu cho vay ti\u00eau d\u00f9ng \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t trong \u0111i\u1ec1u ki\u1ec7n r\u1ee7i ro s\u1ebd kh\u00f4ng ai d\u00e1m cho vay, t\u1ee9c v\u00f4 h\u00ecnh chung b\u00f3p ngh\u1eb9t cho vay ti\u00eau d\u00f9ng. Th\u1ef1c t\u1ebf \u1edf Anh c\u0169ng \u0111\u00e3 ch\u1ee9ng minh \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t l\u00e0m m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng\u201d.<\/p>\n

PV<\/strong><\/p>\n

———–<\/p>\n

\u0110\u1ea1i bi\u1ec3u Nh\u00e2n d\u00e2n <\/em><\/strong>(Kinh t\u1ebf) 18-3-2019:<\/em><\/strong><\/p>\n

http:\/\/daibieunhandan.vn\/default.aspx?tabid=75&NewsId=417976<\/em><\/a><\/p>\n

(254\/1.409)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110BND) – D\u00f9 kh\u00f4ng \u0111\u1ee7 s\u1ee9c ng\u0103n ch\u1eb7n ho\u00e0n to\u00e0n \u201ct\u00edn d\u1ee5ng \u0111en\u201d nh\u01b0ng n\u1ebfu \u0111\u01b0\u1ee3c t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 ph\u00e1t tri\u1ec3n, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng s\u1ebd \u0111em l\u1ea1i l\u1ee3i \u00edch kh\u00f4ng ch\u1ec9 ng\u01b0\u1eddi d\u00e2n m\u00e0 c\u00f2n gi\u00fap t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf. Tuy\u00ean chi\u1ebfn v\u1edbi \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u201cT\u00edn d\u1ee5ng \u0111en\u201d s\u1edf d\u0129 […]<\/p>\n","protected":false},"author":2,"featured_media":12950,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-12949","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.564. 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Tuy\u00ean chi\u1ebfn v\u1edbi \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u201cT\u00edn d\u1ee5ng \u0111en\u201d s\u1edf d\u0129 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/2-564-tao-thuan-loi-cho-tin-dung-tieu-dung-lai-suat-se-giam\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-22T14:08:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-10T15:52:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/B925C67A-4947-44E9-9D43-CB83721E834B.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"565\" \/>\n\t<meta property=\"og:image:height\" content=\"365\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/2-564-tao-thuan-loi-cho-tin-dung-tieu-dung-lai-suat-se-giam\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/2-564-tao-thuan-loi-cho-tin-dung-tieu-dung-lai-suat-se-giam\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"2.564. 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