{"id":13613,"date":"2018-10-12T12:22:58","date_gmt":"2018-10-12T05:22:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=13613"},"modified":"2022-03-15T20:48:34","modified_gmt":"2022-03-15T13:48:34","slug":"2-354-bai-hoc-tu-trung-quoc-ve-hinh-thuc-cho-vay-ngang-hang-p2p","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-354-bai-hoc-tu-trung-quoc-ve-hinh-thuc-cho-vay-ngang-hang-p2p\/","title":{"rendered":"2.354. B\u00e0i h\u1ecdc t\u1eeb Trung Qu\u1ed1c v\u1ec1 h\u00ecnh th\u1ee9c cho vay ngang h\u00e0ng P2P"},"content":{"rendered":"

(MTG) – V\u1edbi s\u1ef1 n\u1ed5i l\u00ean c\u1ee7a FinTech, m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (P2P) l\u00e0 xu h\u01b0\u1edbng m\u1edbi tr\u00ean th\u1ebf gi\u1edbi trong v\u00e0i n\u0103m nay v\u00e0 Vi\u1ec7t Nam c\u0169ng kh\u00f4ng ph\u1ea3i ngo\u1ea1i l\u1ec7 khi m\u1ed7i ng\u00e0y c\u00f3 h\u00e0ng ngh\u00ecn \u0111\u01a1n xin vay v\u1ed1n.<\/strong><\/p>\n

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\"\"M\u00f4 h\u00ecnh\u00a0cho vay ngang h\u00e0ng<\/a>\u00a0ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n v\u1ec1 ph\u00e1p l\u00fd – \u1ea2nh minh h\u1ecdaH\u00e0ng lo\u1ea1t v\u1ee5 ph\u00e1 s\u1ea3n<\/strong><\/p>\n

Th\u1ecb tr\u01b0\u1eddng cho vay P2P to\u00e0n c\u1ea7u \u01b0\u1edbc t\u00ednh s\u1ebd c\u00f3 m\u1ee9c t\u0103ng tr\u01b0\u1edfng l\u00ean t\u1edbi 53%\/n\u0103m v\u00e0 c\u00f3 th\u1ec3 \u0111\u1ea1t t\u1edbi gi\u00e1 tr\u1ecb 490 t\u1ec9 USD v\u00e0o n\u0103m 2020. Ri\u00eang t\u1ea1i\u00a0Trung Qu\u1ed1c<\/a>\u00a0giai \u0111o\u1ea1n 2014-2017, d\u01b0 n\u1ee3 cho vay P2P \u0111\u00e3 \u0111\u1ea1t x\u1ea5p x\u1ec9 1,3 ngh\u00ecn t\u1ec9 nh\u00e2n d\u00e2n t\u1ec7.<\/p>\n

T\u1ea1i m\u1ed9t h\u1ed9i th\u1ea3o m\u1edbi \u0111\u00e2y, \u00f4ng Maurizio Raffone – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Finetiq Ltd chia s\u1ebb, c\u00f4ng ty P2P \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp t\u1ea1i London (Anh) v\u00e0o n\u0103m 2005. M\u00f4 h\u00ecnh cho vay n\u00e0y sau \u0111\u00f3 \u0111\u00e3 xu\u1ea5t hi\u1ec7n t\u1ea1i Trung Qu\u1ed1c v\u00e0 kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch n\u0103m 2016 \u0111\u1ea1t 2.000 t\u1ec9 Nh\u00e2n d\u00e2n t\u1ec7.<\/p>\n

R\u1ee7i ro c\u1ee7a m\u00f4 h\u00ecnh n\u00e0y b\u1eaft \u0111\u1ea7u xu\u1ea5t hi\u1ec7n t\u1eeb n\u0103m 2016 khi c\u00e1c c\u00f4ng ty P2P \u0111\u00e3 nh\u1eadn 7,6 t\u1ec9 USD t\u1eeb kho\u1ea3ng 900.000 nh\u00e0 \u0111\u1ea7u t\u01b0, nh\u01b0ng c\u0169ng trong n\u0103m n\u00e0y, \u0111\u00e3 xu\u1ea5t hi\u1ec7n 21 v\u1ee5 b\u1eaft gi\u1eef v\u1edbi h\u01a1n 95% d\u1ef1 \u00e1n l\u00e0 gi\u1ea3 m\u1ea1o.<\/p>\n

N\u0103m 2018, sau v\u1ee5 \u0111\u1ed9t k\u00edch c\u00f4ng ty cho vay P2P Tourongjia, 13 nghi ph\u1ea1m b\u1ecb b\u1eaft gi\u1eef v\u00e0 kh\u00f4ng b\u1ed3i th\u01b0\u1eddng cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0\u2026 M\u1ed9t trong nh\u1eefng l\u00fd do l\u00e0 P2P t\u1ea1i Trung Qu\u1ed1c ph\u00e1t tri\u1ec3n m\u1ea1nh nh\u01b0ng kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh qu\u1ea3n l\u00fd cho \u0111\u1ebfn n\u0103m 2016.<\/p>\n

C\u00e1c c\u00f4ng ty ch\u1ec9 \u0111\u0103ng k\u00fd v\u1edbi v\u0103n ph\u00f2ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 ng\u00e0nh \u0111\u1ecba ph\u01b0\u01a1ng, m\u1edf c\u00e1c trang web thu h\u00fat nh\u1eefng ng\u01b0\u1eddi \u0111i vay v\u00e0 cho vay, m\u00e0 kh\u00f4ng c\u00f3 ti\u00eau chu\u1ea9n ch\u00ednh th\u1ee9c, c\u00f4ng b\u1ed1 th\u00f4ng tin v\u00e0 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh qu\u1ea3n l\u00fd ch\u00ednh th\u1ee9c t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e2n d\u00e2n Trung Qu\u1ed1c (PBOC) ho\u1eb7c c\u01a1 quan qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng (CBRC).<\/p>\n

Cho \u0111\u1ebfn ng\u00e0y 24.8.2016, Ch\u00ednh ph\u1ee7 Trung Qu\u1ed1c m\u1edbi c\u00f4ng b\u1ed1 quy \u0111\u1ecbnh c\u00e1c bi\u1ec7n ph\u00e1p t\u1ea1m th\u1eddi qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c trung gian th\u00f4ng tin P2P th\u00ec tr\u01b0\u1edbc \u0111\u00f3, \u0111\u00e3 r\u1ea5t nhi\u1ec1u c\u00f4ng ty P2P lending s\u1ee5p \u0111\u1ed5 do l\u1ee3i d\u1ee5ng h\u00ecnh th\u1ee9c n\u00e0y \u0111\u1ec3 l\u1eeba \u0111\u1ea3o nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

Hi\u1ec7n t\u1ea1i, Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Trung Qu\u1ed1c (PBOC) v\u00e0 CBRC c\u00f9ng ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh m\u1edbi \u0111\u1ed1i v\u1edbi P2P lending. C\u00e1c quy \u0111\u1ecbnh qu\u1ea3n l\u00fd m\u1edbi \u0111\u01b0\u1ee3c \u0111\u01b0a ra \u0111\u00e3 l\u00e0m gi\u1ea3m s\u1ed1 l\u01b0\u1ee3ng c\u00f4ng ty \u0111ang ho\u1ea1t \u0111\u1ed9ng xu\u1ed1ng c\u00f2n kho\u1ea3ng 3.500 c\u00f4ng ty.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng m\u1edbi ch\u1ec9 ph\u00e1t tri\u1ec3n m\u1ea1nh trong h\u01a1n 2 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y. \u0110\u1eb7c bi\u1ec7t, hi\u1ec7n ph\u00e1p lu\u1eadt Vi\u1ec7t Nam ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c cho vay ngang h\u00e0ng v\u00e0 s\u1ef1 t\u1ed3n t\u1ea1i c\u1ee7a d\u1ecbch v\u1ee5 n\u00e0y ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro cho c\u1ea3 ng\u01b0\u1eddi vay l\u1eabn ng\u01b0\u1eddi cho vay.<\/p>\n

Theo chuy\u00ean gia kinh t\u1ebf – TS\u00a0Nguy\u1ec5n Tr\u00ed Hi\u1ebfu<\/a>, t\u1ea1i Vi\u1ec7t Nam ch\u01b0a nghe n\u00f3i \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p ki\u1ec7n c\u00e1o, l\u00f9m x\u00f9m v\u1ec1 cho vay P2P nh\u01b0ng \u0111\u00e3 nghe \u0111\u1ebfn chuy\u1ec7n l\u00e3i su\u1ea5t cao, l\u00ean t\u1edbi 700%. C\u00f3 th\u1ec3 tr\u00ean gi\u1ea5y tr\u1eafng m\u1ef1c \u0111en kh\u00f4ng qu\u00e1 20% nh\u01b0ng c\u1ed9ng c\u00e1c lo\u1ea1i ph\u00ed kh\u00e1c th\u00ec s\u1ebd r\u1ea5t cao. Do \u0111\u00f3, h\u00ecnh th\u1ee9c cho vay n\u00e0y kh\u00f4ng minh b\u1ea1ch, trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p d\u1ec5 \u0111i \u0111\u1ebfn l\u1eeba \u0111\u1ea3o n\u00ean r\u1ea5t c\u1ea7n ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd cho lo\u1ea1i h\u00ecnh n\u00e0y.<\/p>\n

C\u1ea5m hay qu\u1ea3n?<\/strong><\/p>\n

Theo lu\u1eadt s\u01b0\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a> (Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI), t\u1ea5t c\u1ea3 nh\u1eefng kho\u1ea3n thu l\u00e3i l\u00ean 20% l\u00e0 ph\u1ea1m ph\u00e1p. Th\u1ebf nh\u01b0ng kh\u00f4ng c\u00f3 ai x\u1eed l\u00fd m\u00e0 ph\u1ea3i \u0111\u1ebfn l\u00e3i 100% m\u1edbi c\u00f3 ch\u1ebf t\u00e0i h\u00ecnh s\u1ef1. C\u00f2n t\u1eeb 30- 50% th\u00ec hi\u1ec7n kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t. V\u00e0 \u0111\u00e2y l\u00e0 m\u1ed9t l\u1ed7 h\u1ed5ng c\u1ee7a lu\u1eadt ph\u00e1p.<\/p>\n

Tuy nhi\u00ean, lu\u1eadt s\u01b0 \u0110\u1ee9c cho r\u1eb1ng c\u1ea7n ph\u00e2n bi\u1ec7t vi\u1ec7c t\u1ef1 cho nhau vay l\u00e0 \u0111\u00fang theo lu\u1eadt, h\u1ee3p ph\u00e1p, r\u1ee7i ro t\u1ef1 ch\u1ecbu v\u00e0 lo\u1ea1i th\u1ee9 hai l\u00e0 m\u1ed9t c\u00f4ng ty c\u00e1 nh\u00e2n \u0111\u1ee9ng ra m\u00f4i gi\u1edbi. N\u1ebfu ch\u1ec9 \u0111\u01a1n thu\u1ea7n m\u00f4i gi\u1edbi \u1edf m\u1ed9t l\u01b0\u1ee3ng ti\u1ec1n giao d\u1ecbch kh\u00f4ng qu\u00e1 l\u1edbn th\u00ec lu\u1eadt kh\u00f4ng c\u1ea5m.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p nh\u01b0 Trung Qu\u1ed1c b\u1ecb s\u1eadp h\u00e0ng tr\u0103m c\u00f4ng ty cho vay l\u00e0 g\u1ea7n nh\u01b0 c\u00e1c c\u00f4ng ty n\u00e0y thay m\u1eb7t cho ng\u00e2n h\u00e0ng \u0111\u1ec3 l\u00e0m ch\u1ee9c n\u0103ng c\u1ee7a ng\u00e2n h\u00e0ng. H\u1ecd huy \u0111\u1ed9ng cho vay v\u00e0 \u0111\u1ee9ng gi\u1eefa, l\u00e0m h\u1ebft m\u1ecdi kh\u00e2u, t\u1eeb th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 \u0111\u1ebfn cho vay.<\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c cho r\u1eb1ng v\u1ec1 c\u01a1 b\u1ea3n, kh\u00f4ng c\u00f3 r\u1ee7i ro l\u1edbn cho ng\u01b0\u1eddi vay, b\u1edfi ng\u01b0\u1eddi vay \u0111\u00e3 bi\u1ebft r\u00f5 l\u00e3i su\u1ea5t ti\u1ec1n vay l\u00e0 bao nhi\u00eau, kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c s\u1ebd b\u1ecb g\u00e2y s\u1ee9c \u00e9p nh\u01b0 th\u1ebf n\u00e0o\u2026 Tuy nhi\u00ean, nh\u1eefng ng\u01b0\u1eddi cho vay tr\u1ef1c tuy\u1ebfn c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng v\u00ec kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, khi \u0111\u00e3 l\u00e0m chuy\u00ean nghi\u1ec7p, l\u00e0m \u1edf quy m\u00f4 l\u1edbn th\u00ec ch\u1ec9 c\u1ea7n kh\u00f4ng \u01b0ng \u00fd, ng\u01b0\u1eddi ta s\u1ebd \u0111\u1ebfn r\u00fat ti\u1ec1n, c\u00f4ng ty kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 l\u1ea1i, kh\u00f4ng k\u1ecbp thu h\u1ed3i v\u1ed1n th\u00ec s\u1ebd s\u1ee5p \u0111\u1ed5. Trong khi theo lu\u1eadt th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f2i n\u1ee3 ng\u01b0\u1eddi vay tr\u01b0\u1edbc h\u1ea1n, nh\u01b0ng k\u1ec3 c\u1ea3 \u0111\u1ebfn h\u1ea1n c\u0169ng kh\u00f4ng th\u1ec3 \u0111\u00f2i \u0111\u01b0\u1ee3c.<\/p>\n

\u201cNg\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 th\u00ec c\u0169ng kh\u00f4ng th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c g\u00ec. Ng\u00e2n h\u00e0ng ngo\u00e0i vi\u1ec7c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd c\u00f2n ph\u1ea3i gi\u1edbi h\u1ea1n t\u1ef7 l\u1ec7 an to\u00e0n. R\u1ed3i ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc, b\u1ea3o hi\u1ec3m\u2026 \u0111\u1ee9ng ra g\u00e1nh \u0111\u1ee1, gi\u1ea3i quy\u1ebft ch\u1ee9 nh\u1eefng d\u1ea1ng cho vay tr\u1ef1c tuy\u1ebfn th\u00ec nguy c\u01a1 s\u1ebd s\u1ee5p \u0111\u1ed5 trong nh\u00e1y m\u1eaft\u201d, \u00f4ng \u0110\u1ee9c ph\u00e2n t\u00edch.<\/p>\n

Ngo\u00e0i ra theo lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0 – C\u00f4ng ty Lu\u1eadt SBLaw, ngo\u00e0i thi\u1ebfu m\u1ed9t khung ph\u00e1p l\u00fd, c\u00e1c P2P Vi\u1ec7t Nam c\u0169ng kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng \u00e1n ph\u00f2ng ng\u1eeba r\u1ee7i ro v\u00e0 ph\u1ea7n l\u1edbn \u0111\u1ec1u c\u00f3 ngu\u1ed3n v\u1ed1n nh\u1ecf, ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh r\u1ea5t khi\u00eam t\u1ed1n so v\u1edbi quy m\u00f4 k\u1ebft n\u1ed1i kho\u1ea3n vay.<\/p>\n

\u201c\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111i vay, m\u1eb7c d\u00f9 th\u1ee7 t\u1ee5c vay kh\u00e1 \u0111\u01a1n gi\u1ea3n v\u00e0 thu\u1eadn l\u1ee3i nh\u01b0ng h\u1ecd s\u1ebd ph\u1ea3i vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t r\u1ea5t cao. N\u1ebfu nh\u1eefng ng\u01b0\u1eddi n\u00e0y kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 h\u1ecd c\u00f3 th\u1ec3 b\u1ecb ng\u01b0\u1eddi cho vay d\u00f9ng nh\u1eefng bi\u1ec7n ph\u00e1p qua c\u00f4ng ty m\u00f4i gi\u1edbi \u0111\u1ec3 thu h\u1ed3i n\u1ee3 m\u1ed9t c\u00e1ch kh\u00f4ng ch\u00ednh th\u1ed1ng, mang t\u00ednh \u00e9p bu\u1ed9c hay \u0111e do\u1ea1\u201d, \u00f4ng H\u00e0 n\u00f3i.<\/p>\n

Theo \u0111\u00f3, lu\u1eadt s\u01b0 n\u00e0y khuy\u1ebfn c\u00e1o, tr\u01b0\u1edbc khi vay ti\u1ec1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y, ng\u01b0\u1eddi vay ph\u1ea3i t\u00ecm hi\u1ec3u r\u1ea5t k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 d\u1ecbch v\u1ee5 cho vay ti\u1ec1n, tr\u00e1ch nhi\u1ec7m v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a h\u1ecd l\u00e0 g\u00ec, t\u00ednh ph\u00e1p l\u00fd c\u1ee7a \u0111\u01a1n v\u1ecb cho vay v\u00e0 n\u1ed9i dung th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng vay \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro khi vay ti\u1ec1n.<\/p>\n

TS.Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng Ch\u00ednh ph\u1ee7 c\u1ea7n ph\u1ea3i c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, th\u1eadm ch\u00ed c\u1ea7n \u0111\u01b0a ra Qu\u1ed1c h\u1ed9i, n\u00e2ng l\u00ean t\u1ea7m lu\u1eadt. Tr\u01b0\u1edbc khi c\u00f3 lu\u1eadt th\u00ec Ch\u00ednh ph\u1ee7 c\u1ea7n \u0111\u01b0a ra nh\u1eefng ngh\u1ecb \u0111\u1ecbnh, s\u1eafc l\u1ec7nh quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng, l\u00e3i su\u1ea5t, ph\u00ed, c\u00e1ch th\u1ee9c thu n\u1ee3, tr\u1ea3 n\u1ee3, quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 cho vay…tr\u00e1nh t\u00ecnh tr\u1ea1ng bi\u1ebfn t\u01b0\u1edbng, g\u00e2y h\u1eadu qu\u1ea3 x\u1ea5u.<\/p>\n

\u201cCh\u00fang ta \u0111\u1ee9ng tr\u01b0\u1edbc 2 l\u1ef1a ch\u1ecdn: m\u1ed9t l\u00e0 c\u1ea5m, hai l\u00e0 h\u1ee3p th\u1ee9c h\u00f3a. Vi\u1ec7c c\u1ea5m th\u00ec g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3. V\u1eady c\u1ea7n h\u1ee3p th\u1ee9c h\u00f3a th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3, tr\u00e1nh n\u00e0y sinh nh\u01b0ng h\u1eadu qu\u1ea3 \u0111\u00e1ng ti\u1ebfc cho ng\u01b0\u1eddi d\u00e2n l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n k\u0129 l\u01b0\u1ee1ng v\u00e0 s\u1edbm c\u00f3 quy \u0111\u1ecbnh ph\u00e1p l\u00fd r\u00f5 r\u00e0ng\u201d, \u00f4ng Hi\u1ebfu n\u00f3i.<\/p>\n

Ho\u00e0i Phong<\/strong><\/p>\n<\/div>\n

——————<\/p>\n

M\u1ed9t th\u1ebf gi\u1edbi (Kinh t\u1ebf) <\/strong> 12-10-2018:<\/b><\/em><\/p>\n

https:\/\/1thegioi.vn\/bai-hoc-tu-trung-quoc-ve-hinh-thuc-cho-vay-ngang-hang-p2p-22239.html<\/p>\n

(355\/1.294)<\/em>","protected":false},"excerpt":{"rendered":"

(MTG) – V\u1edbi s\u1ef1 n\u1ed5i l\u00ean c\u1ee7a FinTech, m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (P2P) l\u00e0 xu h\u01b0\u1edbng m\u1edbi tr\u00ean th\u1ebf gi\u1edbi trong v\u00e0i n\u0103m nay v\u00e0 Vi\u1ec7t Nam c\u0169ng kh\u00f4ng ph\u1ea3i ngo\u1ea1i l\u1ec7 khi m\u1ed7i ng\u00e0y c\u00f3 h\u00e0ng ngh\u00ecn \u0111\u01a1n xin vay v\u1ed1n. M\u00f4 h\u00ecnh\u00a0cho vay ngang h\u00e0ng\u00a0ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro n\u1ebfu kh\u00f4ng […]<\/p>\n","protected":false},"author":10,"featured_media":13614,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-13613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.354. 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