{"id":13166,"date":"2018-09-22T10:42:18","date_gmt":"2018-09-22T03:42:18","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=13166"},"modified":"2022-03-12T15:05:55","modified_gmt":"2022-03-12T08:05:55","slug":"2-335-can-khung-phap-ly-doi-voi-vay-ngang-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-335-can-khung-phap-ly-doi-voi-vay-ngang-hang\/","title":{"rendered":"2.335. C\u1ea7n khung ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi vay ngang h\u00e0ng"},"content":{"rendered":"
\n
(\u0110T) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (peer to peer – P2P lending) \u0111\u00e3 c\u00f3 b\u01b0\u1edbc ti\u1ebfn r\u00f5 r\u1ec7t trong th\u1eddi gian qua v\u00e0 \u0111ang len l\u1ecfi v\u00e0o t\u1eebng ng\u00f5 ph\u1ed1 \u1edf th\u00e0nh th\u1ecb. D\u00f9 \u1ea9n ch\u1ee9a nhi\u1ec1u r\u1ee7i ro, song \u0111\u1ebfn nay m\u00f4 h\u00ecnh n\u00e0y v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd chuy\u00ean bi\u1ec7t.<\/strong><\/div>\n<\/div>\n\n\n\n\n
\"V\u1edbi<\/td>\n<\/tr>\n
V\u1edbi m\u00f4 h\u00ecnh vay ngang h\u00e0ng, ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i th\u00f4ng qua gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7. \u1ea2nh: Ho\u00e0i Anh<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Lo ng\u1ea1i c\u00e1c h\u00ecnh th\u1ee9c bi\u1ebfn t\u01b0\u1edbng<\/strong><\/p>\n

\u0110\u1ebfn ng\u00e0y 21\/9, t\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u00e3 gi\u1ea3i ng\u00e2n th\u00f4ng qua Tima, m\u1ed9t n\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng \u0111\u01b0\u1ee3c ch\u00ednh th\u1ee9c khai tr\u01b0\u01a1ng th\u00e1ng 12\/2017, \u0111\u00e3 \u1edf m\u1ee9c h\u01a1n 43 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. Con s\u1ed1 n\u00e0y t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng n\u0103m 2017 c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n nh\u1ecf.<\/p>\n

Kh\u00f4ng ch\u1ec9 Tima, nhi\u1ec1u t\u00ean tu\u1ed5i m\u1edbi tr\u00ean th\u1ecb tr\u01b0\u1eddng cho vay ngang h\u00e0ng \u0111ang thu h\u00fat s\u1ed1 ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e0y c\u00e0ng t\u0103ng. L\u1ee3i th\u1ebf c\u1ee7a m\u00f4 h\u00ecnh n\u00e0y so v\u1edbi ngu\u1ed3n t\u00edn d\u1ee5ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 thu\u1eadn ti\u1ec7n, nhanh ch\u00f3ng v\u00e0 trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p.<\/p>\n

V\u1edbi h\u00ecnh th\u1ee9c n\u00e0y, c\u00e1c c\u00f4ng ty vay ngang h\u00e0ng ch\u1ec9 \u0111\u00f3ng vai tr\u00f2 l\u00e0 trung gian k\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay th\u00f4ng qua gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7, do \u0111\u00f3, nh\u1eefng c\u00f4ng ty n\u00e0y th\u01b0\u1eddng \u0111\u0103ng k\u00fd kinh doanh v\u1edbi lo\u1ea1i h\u00ecnh l\u00e0 doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7. \u0110\u1ed1i t\u01b0\u1ee3ng \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay c\u00f3 th\u1ec3 l\u00e0 c\u00e1 nh\u00e2n, c\u0169ng c\u00f3 th\u1ec3 l\u00e0 doanh nghi\u1ec7p.<\/p>\n

Do \u0111\u00f3, khi ph\u00e1t sinh tranh ch\u1ea5p, c\u00f4ng ty vay ngang h\u00e0ng g\u1ea7n nh\u01b0 \u201cv\u00f4 can\u201d, ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay t\u1ef1 th\u1ecfa thu\u1eadn gi\u1ea3i quy\u1ebft ho\u1eb7c \u0111\u01b0a ra t\u00f2a theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Trao \u0111\u1ed5i v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho bi\u1ebft, c\u00e1c ki\u1ec3u th\u1ecfa thu\u1eadn gi\u1eefa ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay \u0111\u1ec1u c\u00f3 th\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c theo lu\u1eadt khi c\u00f3 tranh ch\u1ea5p ph\u00e1t sinh.<\/p>\n

Tuy nhi\u00ean, \u00f4ng \u0110\u1ee9c t\u1ecf ra quan ng\u1ea1i v\u1ec1 kh\u1ea3 n\u0103ng bi\u1ebfn t\u01b0\u1edbng c\u1ee7a c\u00e1c doanh nghi\u1ec7p trung gian n\u00e0y. Theo \u0111\u00f3, c\u00e1c c\u00f4ng ty \u201cmang ti\u1ebfng\u201d c\u00f4ng ngh\u1ec7 nh\u01b0ng c\u00f3 th\u1ec3 ph\u00e1t sinh mong mu\u1ed1n l\u00e0m thay nhi\u1ec1u ph\u1ea7n vi\u1ec7c c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0: t\u1ef1 huy \u0111\u1ed9ng v\u1ed1n r\u1ed3i cho vay, th\u1ef1c hi\u1ec7n th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng\u2026 \u201cN\u1ebfu c\u00e1c c\u00f4ng ty n\u00e0y ch\u1ec9 h\u1ed7 tr\u1ee3 cho vay theo ki\u1ec3u l\u00e0m th\u00eam th\u00ec kh\u00f4ng \u0111\u00e1ng lo ng\u1ea1i nh\u01b0ng trong tr\u01b0\u1eddng h\u1ee3p h\u1ecd l\u00e0m d\u1ecbch v\u1ee5 cho vay m\u1ed9t c\u00e1ch chuy\u00ean nghi\u1ec7p nh\u01b0 ng\u00e2n h\u00e0ng th\u00ec l\u1ea1i l\u00e0 chuy\u1ec7n ho\u00e0n to\u00e0n kh\u00e1c. V\u00e0 l\u00fac \u1ea5y, r\u1ee7i ro s\u1ebd l\u1edbn\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/p>\n

Ph\u00e2n t\u00edch v\u1ec1 c\u00e1c r\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y ra khi c\u00e1c h\u00ecnh th\u1ee9c cho vay n\u00e0y \u201cbi\u1ebfn t\u01b0\u1edbng\u201d, \u00f4ng \u0110\u1ee9c cho r\u1eb1ng: \u201cHai \u0111i\u1ec1u \u0111\u00e1ng ng\u1ea1i nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t cao v\u00e0 c\u00e1ch x\u1eed l\u00fd m\u00e2u thu\u1eabn khi b\u00ean vay kh\u00f4ng tr\u1ea3 \u0111\u00fang n\u1ee3. B\u00ean c\u1ea1nh \u0111\u00f3, n\u1ebfu c\u00f4ng ty vay ngang h\u00e0ng t\u1ed5 ch\u1ee9c huy \u0111\u1ed9ng v\u1ed1n cho vay th\u00ec s\u1ebd vi ph\u1ea1m quy \u0111\u1ecbnh b\u1edfi h\u1ecd kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Ho\u1eb7c khi c\u00f4ng ty n\u00e0y huy \u0111\u1ed9ng nh\u01b0ng sau \u0111\u00f3 v\u1ee1 n\u1ee3 th\u00ec c\u1ea3 ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay \u0111\u1ec1u kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 b\u1ea3o v\u1ec7 c\u1ee7a ph\u00e1p lu\u1eadt\u201d.<\/p>\n

Kh\u00f4ng c\u1ea5m nh\u01b0ng c\u1ea7n c\u00f3 khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd<\/strong><\/p>\n

T\u1eeb d\u1ef1 b\u00e1o v\u1ec1 r\u1ee7i ro n\u00eau tr\u00ean, \u00f4ng \u0110\u1ee9c cho r\u1eb1ng, kh\u00f4ng th\u1ec3 c\u1ea5m ho\u1ea1t \u0111\u1ed9ng cho vay theo h\u00ecnh th\u1ee9c n\u00e0y nh\u01b0ng c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1edbi nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 gi\u1edbi h\u1ea1n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a nh\u1eefng doanh nghi\u1ec7p tham gia l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

Chia s\u1ebb g\u00f3c nh\u00ecn v\u1ec1 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a m\u00f4 h\u00ecnh n\u00e0y, b\u00e0 Nguy\u1ec5n Th\u00f9y D\u01b0\u01a1ng, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ernst & Young Vi\u1ec7t Nam, Ph\u00f3 Ch\u1ee7 t\u1ecbch CLB VietFinTech cho bi\u1ebft, \u0111\u00e2y l\u00e0 m\u00f4 h\u00ecnh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) m\u1edbi, d\u00f9 ch\u01b0a c\u00f3 h\u00e0ng lang ph\u00e1p l\u00fd c\u1ee5 th\u1ec3 nh\u01b0ng l\u00e0 m\u00f4 h\u00ecnh ti\u00ean ti\u1ebfn \u0111\u00e3 xu\u1ea5t hi\u1ec7n \u1edf nhi\u1ec1u n\u01b0\u1edbc kh\u00e1c tr\u00ean th\u1ebf gi\u1edbi, bao g\u1ed3m nh\u1eefng n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1 nh\u01b0 Singapore, Malaysia, Th\u00e1i Lan, Indonesia. Nh\u1eefng n\u01b0\u1edbc n\u00e0y \u00edt nhi\u1ec1u ho\u1eb7c \u0111\u00e3 c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd cho fintech n\u00f3i chung ho\u1eb7c quy \u0111\u1ecbnh ph\u00e1p l\u00fd th\u1eed nghi\u1ec7m \u0111\u1ed1i v\u1edbi m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng n\u00f3i ri\u00eang.<\/p>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y c\u00e1c xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0 k\u00e8m theo \u0111\u00f3 l\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 tr\u00ean n\u1ec1n c\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n nhanh h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd. Ngay c\u1ea3 nh\u1eefng n\u01b0\u1edbc \u0111\u00e3 ph\u00e1t tri\u1ec3n thu\u1ed9c kh\u1ed1i EU, M\u1ef9… c\u0169ng ph\u1ea3i l\u1eadp ra c\u00e1c \u1ee7y ban chuy\u00ean nghi\u00ean c\u1ee9u vi\u1ec7c th\u00edch \u1ee9ng c\u1ee7a c\u00e1c lu\u1eadt, quy \u0111\u1ecbnh v\u1edbi nh\u1eefng thay \u0111\u1ed5i \u0111\u1ed9t ph\u00e1 tr\u00ean th\u1ebf gi\u1edbi m\u00e0 c\u00f3 t\u00e1c \u0111\u1ed9ng ng\u01b0\u1ee3c l\u1ea1i \u0111\u1ebfn lu\u1eadt ph\u00e1p.<\/p>\n

\u201cC\u00f3 th\u1ec3 vay ngang h\u00e0ng l\u00e0 m\u1edbi v\u1edbi Vi\u1ec7t Nam v\u00e0 v\u1eabn c\u00f2n nhi\u1ec1u ho\u00e0i nghi th\u1ebf n\u00e0o l\u00e0 \u0111\u00fang. Nh\u00ecn chung, th\u1ef1c t\u1ebf ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng cho th\u1ea5y, c\u00f3 nh\u1eefng s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh ban \u0111\u1ea7u r\u1ea5t xa l\u1ea1 v\u00e0 t\u01b0\u1edfng ch\u1eebng kh\u00f4ng mang l\u1ea1i hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng cho ng\u01b0\u1eddi d\u00e2n. Song th\u1eddi gian sau \u0111\u00f3, c\u00e1c s\u1ea3n ph\u1ea9m n\u00e0y l\u1ea1i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng t\u00edch c\u1ef1c, n\u1ebfu \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh v\u00e0 qu\u1ea3n l\u00fd r\u00f5 r\u00e0ng\u201d, b\u00e0 Nguy\u1ec5n Th\u00f9y D\u01b0\u01a1ng n\u00f3i.<\/p>\n

C\u0169ng theo b\u00e0 D\u01b0\u01a1ng, vi\u1ec7c qu\u1ea3n l\u00fd l\u0129nh v\u1ef1c n\u00e0y m\u1ed9t c\u00e1ch th\u1eadn tr\u1ecdng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft, tuy nhi\u00ean, \u0111\u1ec3 c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd h\u01a1n l\u0129nh v\u1ef1c ti\u1ec1m n\u0103ng n\u00e0y, c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd \u0111\u1ec3 c\u00e1c s\u1ea3n ph\u1ea9m n\u00e0y nhanh ch\u00f3ng \u0111\u1ebfn v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y c\u1ed9ng \u0111\u1ed3ng c\u00e1c doanh nghi\u1ec7p kh\u1edfi nghi\u1ec7p (startup) trong l\u0129nh v\u1ef1c fintech n\u00f3i chung v\u00e0 startup trong cho vay ngang h\u00e0ng n\u00f3i ri\u00eang ph\u00e1t tri\u1ec3n.<\/p>\n

Ho\u00e0ng Oanh<\/b><\/p>\n

——————<\/p>\n

B\u00e1o \u0111\u1ea5u th\u1ea7u (T\u00e0i ch\u00ednh) 24-09-2018:<\/b><\/em><\/p>\n

C\u1ea7n khung ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi vay ngang h\u00e0ng (baodauthau.vn)<\/a><\/p>\n

(363\/1.027)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110T) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (peer to peer – P2P lending) \u0111\u00e3 c\u00f3 b\u01b0\u1edbc ti\u1ebfn r\u00f5 r\u1ec7t trong th\u1eddi gian qua v\u00e0 \u0111ang len l\u1ecfi v\u00e0o t\u1eebng ng\u00f5 ph\u1ed1 \u1edf th\u00e0nh th\u1ecb. D\u00f9 \u1ea9n ch\u1ee9a nhi\u1ec1u r\u1ee7i ro, song \u0111\u1ebfn nay m\u00f4 h\u00ecnh n\u00e0y v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi m\u1ed9t h\u00e0nh […]<\/p>\n","protected":false},"author":10,"featured_media":13168,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-13166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.335. 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