{"id":13813,"date":"2019-10-04T14:39:07","date_gmt":"2019-10-04T07:39:07","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=13813"},"modified":"2022-03-17T14:41:34","modified_gmt":"2022-03-17T07:41:34","slug":"2-779-ai-quan-ly-cac-chuoi-cam-do-dang-no-ro-lai-suat-tren-100-nam","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-779-ai-quan-ly-cac-chuoi-cam-do-dang-no-ro-lai-suat-tren-100-nam\/","title":{"rendered":"2.779. Ai qu\u1ea3n l\u00fd c\u00e1c chu\u1ed7i c\u1ea7m \u0111\u1ed3 \u0111ang n\u1edf r\u1ed9, l\u00e3i su\u1ea5t tr\u00ean 100%\/n\u0103m?"},"content":{"rendered":"<strong>(Zing) &#8211; L\u00e3nh \u0111\u1ea1o c\u1ea5p V\u1ee5 thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 kh\u00f4ng ph\u1ea3i l\u00e0 cho vay nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00ean kh\u00f4ng thu\u1ed9c qu\u1ea3n l\u00fd c\u1ee7a c\u01a1 quan n\u00e0y m\u00e0 do B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng n\u1eafm.<\/strong><\/p>\n<p>Trao \u0111\u1ed5i v\u1edbi\u00a0<em>Zing.vn<\/em>, c\u00e1c chuy\u00ean gia \u0111\u1ec1u cho r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ea7m \u0111\u1ed3 hi\u1ec7n nay t\u1ed3n t\u1ea1i r\u1ea5t nhi\u1ec1u vi ph\u1ea1m, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c chu\u1ed7i c\u1ea7m \u0111\u1ed3 \u0111ang n\u1edf r\u1ed9 g\u1ea7n \u0111\u00e2y.<\/p>\n<p>Tuy nhi\u00ean, m\u00f4 h\u00ecnh n\u00e0y l\u1ea1i \u0111ang b\u1ecb b\u1ecf ng\u1ecf nhi\u1ec1u kh\u00e2u, ch\u01b0a \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd d\u1eabn t\u1edbi t\u00ecnh tr\u1ea1ng sai ph\u1ea1m tr\u00e0n lan.<\/p>\n<p><strong>C\u1ea3 l\u00e0ng c\u00f9ng sai?<\/strong><\/p>\n<p><em>L\u00e0 nh\u00f3m cho vay theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1, l\u00e3i su\u1ea5t c\u1ee7a cho vay c\u1ea7m \u0111\u1ed3 hi\u1ec7n nay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 con s\u1ed1 20%\/n\u0103m. Tuy nhi\u00ean, theo \u00f4ng LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, h\u1ea7u h\u1ebft c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 hi\u1ec7n nay \u0111\u1ec1u v\u01b0\u1ee3t qu\u00e1 con s\u1ed1 n\u00e0y.<\/em><\/p>\n<p><em>V\u1ecb lu\u1eadt s\u01b0 c\u0169ng ph\u00e2n t\u00edch, c\u1ea7m \u0111\u1ed3 l\u00e0 ho\u1ea1t \u0111\u1ed9ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay qua c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n v\u00e0 \u0111\u1ecbnh gi\u00e1 tr\u00ean c\u01a1 s\u1edf t\u00e0i s\u1ea3n \u0111\u00f3, n\u1ebfu tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec l\u1ea5y \u0111\u1ed3 v\u1ec1, kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c th\u00ec ph\u1ea3i m\u1ea5t \u0111\u1ed3. \u0110\u1ed3ng th\u1eddi, trong cho vay c\u1ea7m \u0111\u1ed3 c\u0169ng kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m thu gi\u1eef, x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/em><\/p>\n<p><em>\u00a0\u201cTh\u1ef1c t\u1ebf ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111ang vi ph\u1ea1m nghi\u00eam tr\u1ecdng c\u00e1c quy \u0111\u1ecbnh v\u1ec1 cho vay d\u00e2n s\u1ef1, th\u1eadm ch\u00ed c\u1ea3 l\u00e0ng c\u00f9ng sai nh\u01b0ng kh\u00f4ng ai \u0111\u1ec3 m\u1eaft t\u1edbi\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n<table width=\"607\">\n<tbody>\n<tr>\n<td width=\"607\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-13814 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/16-3-450x337.jpg\" alt=\"\" width=\"450\" height=\"337\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/16-3-450x337.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/16-3.jpg 654w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<\/tr>\n<tr>\n<td width=\"607\">Trong ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m thu gi\u1eef, x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. \u1ea2nh:\u00a0<em>H\u00e0 Ph\u01b0\u01a1ng.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\u00d4ng \u0110\u1ee9c li\u1ec7t k\u00ea, c\u1ea7m \u0111\u1ed3 online, cho vay t\u00edn ch\u1ea5p, cho vay b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n kh\u00f4ng ph\u1ea3i \u0111\u1ed3 nh\u01b0 b\u1eb1ng c\u1ea5p, ch\u1ee9ng minh nh\u00e2n d\u00e2n, th\u1ebb sinh vi\u00ean\u2026 Th\u1eadm ch\u00ed, cho vay th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf c\u0169ng kh\u00f4ng thu\u1ed9c di\u1ec7n cho vay c\u1ee7a c\u1ea7m \u0111\u1ed3.<\/em><\/p>\n<p><em>\u201c\u0110\u00e3 l\u00e0 c\u1ea7m \u0111\u1ed3 th\u00ec ph\u1ea3i mang \u0111\u1ed3 \u0111\u1ebfn giao cho ng\u01b0\u1eddi c\u1ea7m c\u1ed1, ch\u1ee9 l\u00e0m sao c\u00f3 online. Cho vay t\u00edn ch\u1ea5p l\u00e0 sai ph\u1ea1m nghi\u00eam tr\u1ecdng nh\u01b0ng r\u1ea5t nhi\u1ec1u n\u01a1i v\u1eabn qu\u1ea3ng c\u00e1o c\u00f4ng khai. \u0110\u00e2y l\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u00e1c c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3\u201d &#8211; \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n<p><em>Theo v\u1ecb n\u00e0y, c\u00e1c chu\u1ed7i c\u1ea7m \u0111\u1ed3 chuy\u00ean nghi\u1ec7p hi\u1ec7n nay m\u1ecdc l\u00ean c\u00f3 nhi\u1ec1u nghi\u1ec7p v\u1ee5 cho vay nh\u01b0 ng\u00e2n h\u00e0ng nh\u01b0ng l\u1ea1i qu\u1ea3n l\u00fd theo m\u00f4 h\u00ecnh c\u1ee7a c\u1ea7m \u0111\u1ed3 truy\u1ec1n th\u1ed1ng. \u0110i\u1ec1u n\u00e0y d\u1eabn t\u1edbi nhi\u1ec1u sai ph\u1ea1m, b\u1ea5t c\u1eadp c\u1ee7a ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3.<\/em><\/p>\n<p><strong>Ni\u00eam y\u1ebft l\u00e3i su\u1ea5t 20%, th\u1ef1c t\u1ebf \u0111\u1ec1u v\u01b0\u1ee3t 100%\/n\u0103m<\/strong><\/p>\n<p><em>M\u1ed9t trong nh\u1eefng sai ph\u1ea1m ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ea7m \u0111\u1ed3 hi\u1ec7n nay ch\u00ednh l\u00e0 l\u00e3i su\u1ea5t. Theo lu\u1eadt s\u01b0 \u0110\u1ee9c, d\u00f9 nhi\u1ec1u chu\u1ed7i c\u1ea7m \u0111\u1ed3 tuy\u00ean b\u1ed1 l\u00e3i su\u1ea5t ni\u00eam y\u1ebft d\u01b0\u1edbi 20% nh\u01b0ng con s\u1ed1 th\u1ef1c t\u1ebf \u0111\u1ec1u v\u01b0\u1ee3t tr\u00ean 100%\/n\u0103m.<\/em><\/p>\n<p><em>\u201cL\u00e3i su\u1ea5t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u00f3 quy \u0111\u1ecbnh r\u1ea5t r\u00f5, nh\u01b0ng trong ho\u1ea1t \u0111\u1ed9ng cho vay d\u00e2n s\u1ef1 d\u01b0\u1eddng nh\u01b0 ch\u01b0a c\u00f3 \u0111i\u1ec1u g\u00ec r\u00f5 r\u00e0ng. V\u1ec1 nguy\u00ean t\u1eafc, to\u00e0n b\u1ed9 chi ph\u00ed vay c\u1ea7m \u0111\u1ed3 \u0111\u1ec1u ph\u1ea3i coi l\u00e0 l\u00e3i su\u1ea5t ch\u1ee9 kh\u00f4ng ph\u1ea3i chi ph\u00ed ngo\u00e0i l\u00e3i\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n<p><em><strong>L\u00e3i su\u1ea5t vay c\u1ea7m \u0111\u1ed3 so v\u1edbi c\u00e1c lo\u1ea1i h\u00ecnh vay kh\u00e1c:<\/strong><\/em><\/p>\n<table width=\"501\">\n<tbody>\n<tr>\n<td><strong>Lo\u1ea1i h\u00ecnh vay<\/strong><\/td>\n<td><strong>L\u00e3i su\u1ea5t\u00a0(%\/n\u0103m)<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Vay ng\u00e2n h\u00e0ng ng\u1eafn h\u1ea1n<\/td>\n<td>6-9<\/td>\n<\/tr>\n<tr>\n<td>Vay ng\u00e2n h\u00e0ng trung, d\u00e0i h\u1ea1n<\/td>\n<td>9-11<\/td>\n<\/tr>\n<tr>\n<td>Vay ti\u00eau d\u00f9ng (b\u00ecnh qu\u00e2n)<\/td>\n<td>36-50<\/td>\n<\/tr>\n<tr>\n<td>B\u00ecnh qu\u00e2n FE Credit<\/td>\n<td>43,6<\/td>\n<\/tr>\n<tr>\n<td>B\u00ecnh qu\u00e2n HD Saison<\/td>\n<td>0-80,9<\/td>\n<\/tr>\n<tr>\n<td>C\u1ea7m \u0111\u1ed3 truy\u1ec1n th\u1ed1ng<\/td>\n<td>180-324<\/td>\n<\/tr>\n<tr>\n<td>Chu\u1ed7i c\u1ea7m \u0111\u1ed3<\/td>\n<td>72-108<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\u201cL\u00e3i su\u1ea5t tr\u00ean 100% th\u00ec g\u1ecdi l\u00e0 qu\u00e1 \u0111\u00e1ng, trong khi \u0111\u00f3 vay c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh h\u1ee3p ph\u00e1p l\u00e3i su\u1ea5t \u0111\u00e3 l\u00e0 50-70%\u201d, \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n<p>C\u00f2n theo LS B\u00f9i Quang T\u00edn, \u0110\u1ea1i h\u1ecdc Ng\u00e2n h\u00e0ng TP.HCM, l\u00e3i c\u1ed9ng ph\u00ed l\u00e0 m\u1ed9t c\u00e1ch gi\u1ea3i th\u00edch Lu\u1eadt kh\u00f4ng \u0111\u00fang. L\u00e3i su\u1ea5t trong B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 l\u00e0 l\u00e3i su\u1ea5t c\u1ed9ng v\u1edbi t\u1ea5t c\u1ea3 kho\u1ea3n ph\u00ed, l\u1ec7 ph\u00ed \u0111i k\u00e8m ch\u1ee9 kh\u00f4ng ph\u1ea3i ni\u00eam y\u1ebft l\u00e3i ri\u00eang r\u1ed3i c\u1ed9ng th\u00eam nhi\u1ec1u kho\u1ea3n ph\u00ed \u0111\u1ec3 l\u00e1ch lu\u1eadt. \u0110\u1ed1i v\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a cho vay c\u1ea7m \u0111\u1ed3 l\u00e0 20%\/n\u0103m, d\u00f9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ee9c h\u1ee3p l\u00fd so v\u1edbi m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng nh\u01b0ng \u0111\u00e3 l\u00e0 ph\u00e1p lu\u1eadt th\u00ec ph\u1ea3i tu\u00e2n theo.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, h\u1ea7u h\u1ebft c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 hi\u1ec7n nay \u0111\u1ec1u \u0111\u01b0a ra m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t tr\u1ea7n quy \u0111\u1ecbnh 20%. Tuy nhi\u00ean, c\u00e1c \u0111\u01a1n v\u1ecb n\u00e0y \u0111\u1ec1u l\u1ea5y l\u00fd do s\u1ed1 thu kh\u00e1ch h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 l\u00e3i su\u1ea5t m\u00e0 bao g\u1ed3m c\u1ea3 c\u00e1c kho\u1ea3n ph\u00ed nh\u01b0 t\u01b0 v\u1ea5n, b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n, b\u1ea3o hi\u1ec3m kho\u1ea3n vay\u2026 c\u00f2n th\u1ef1c t\u1ebf l\u00e3i su\u1ea5t kho\u1ea3n vay v\u1eabn d\u01b0\u1edbi 20%.<\/p>\n<p><strong>Ai qu\u1ea3n l\u00fd cho vay c\u1ea7m \u0111\u1ed3?<\/strong><\/p>\n<p>M\u1ed9t l\u00e3nh \u0111\u1ea1o c\u1ea5p V\u1ee5 thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho hay, b\u1ea3n ch\u1ea5t ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 kh\u00f4ng ph\u1ea3i l\u00e0 cho vay nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00ean ho\u1ea1t \u0111\u1ed9ng n\u00e0y thu\u1ed9c qu\u1ea3n l\u00fd c\u1ee7a B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng ch\u1ee9 kh\u00f4ng li\u00ean quan t\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng.<\/p>\n<p>C\u0169ng theo v\u1ecb n\u00e0y, c\u1ea7m \u0111\u1ed3 d\u00f9 l\u00e0 c\u00e1c c\u1eeda h\u00e0ng truy\u1ec1n th\u1ed1ng hay chu\u1ed7i l\u1edbn \u0111\u1ec1u thu\u1ed9c nh\u00f3m quan h\u1ec7 cho vay d\u00e2n s\u1ef1, v\u00e0 tu\u00e2n theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 2015. Trong \u0111\u00f3 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m.<\/p>\n<p>N\u00f3i v\u1ec1 tr\u01b0\u1eddng h\u1ee3p c\u00e1c c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 cho vay v\u01b0\u1ee3t l\u00e3i su\u1ea5t quy \u0111\u1ecbnh, v\u1ecb l\u00e3nh \u0111\u1ea1o cho hay \u0111\u1ec3 l\u00e0m r\u00f5 b\u1ea3n ch\u1ea5t ph\u1ea3i c\u1ea7n th\u00eam th\u00f4ng tin t\u1eeb B\u1ed9 T\u01b0 ph\u00e1p. Tr\u00ean th\u1ef1c t\u1ebf, cho vay d\u00e2n s\u1ef1 \u0111\u1ec1u ph\u1ea3i tu\u00e2n theo tr\u1ea7n l\u00e3i su\u1ea5t 20%\/n\u0103m, b\u1ea5t k\u1ef3 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n n\u00e0o cho vay v\u01b0\u1ee3t qu\u00e1 s\u1ed1 tr\u00ean \u0111\u1ec1u coi l\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n<table width=\"635\">\n<tbody>\n<tr>\n<td width=\"635\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-13815 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/17-3-450x315.jpg\" alt=\"\" width=\"450\" height=\"315\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/17-3-450x315.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/17-3.jpg 607w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<\/tr>\n<tr>\n<td width=\"635\">M\u00f4 h\u00ecnh chu\u1ed7i c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 \u0111ang n\u1edf r\u1ed9 g\u1ea7n \u0111\u00e2y. \u1ea2nh minh h\u1ecda:\u00a0<em>Ng\u1ecdc D\u01b0\u01a1ng.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>TS LS B\u00f9i Quang T\u00edn c\u0169ng cho bi\u1ebft c\u00e1c c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 c\u00f3 th\u1ec3 c\u00f3 nhi\u1ec1u \u0111\u01a1n v\u1ecb c\u1ea5p ph\u00e9p kh\u00e1c nhau t\u00f9y theo ph\u00e1p nh\u00e2n \u0111\u1ea1i di\u1ec7n.<\/p>\n<p>\u201cN\u1ebfu \u0111\u1ea1i di\u1ec7n l\u00e0 c\u00f4ng ty th\u00ec s\u1ebd xin gi\u1ea5y ph\u00e9p c\u1ee7a S\u1edf k\u1ebf ho\u1ea1ch \u0110\u1ea7u t\u01b0 nh\u01b0 m\u1ed9t doanh nghi\u1ec7p b\u00ecnh th\u01b0\u1eddng ch\u1ee9 kh\u00f4ng thu\u1ed9c di\u1ec7n qu\u1ea3n l\u00fd c\u1ee7a NHNN. Tr\u01b0\u1eddng h\u1ee3p l\u00e0 m\u1ed9t h\u1ed9 kinh doanh c\u00e1 th\u1ec3 th\u00ec s\u1ebd xin ph\u00e9p t\u1eeb qu\u1eadn, th\u1eadm ch\u00ed nh\u1ecf h\u01a1n n\u1eefa th\u00ec xin ph\u00e9p t\u1eeb ph\u01b0\u1eddng\u201d, \u00f4ng T\u00edn n\u00f3i.<\/p>\n<p><em>LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho hay ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 kh\u00f4ng li\u00ean quan t\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng.<\/em><\/p>\n<p><em>Tr\u01b0\u1edbc \u0111\u00e2y, NHNN t\u1eebng k\u1ebft h\u1ee3p v\u1edbi B\u1ed9 Th\u01b0\u01a1ng m\u1ea1i ban h\u00e0nh v\u0103n b\u1ea3n qu\u1ea3n l\u00fd, nh\u01b0ng t\u1eeb l\u00e2u ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u00e3 thu\u1ed9c v\u1ec1 B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng.<\/em><\/p>\n<p><em>\u201cHi\u1ec7n nay c\u00f3 v\u00e0i ch\u1ee5c lo\u1ea1i h\u00ecnh cho vay kh\u00e1c nhau t\u1eeb Nh\u00e0 n\u01b0\u1edbc, doanh nghi\u1ec7p cho \u0111\u1ebfn c\u00e1 nh\u00e2n kh\u00f4ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u00ed d\u1ee5 nh\u01b0 qu\u1ef9 \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n \u0111\u1ecba ph\u01b0\u01a1ng c\u0169ng l\u00e0 cho vay nh\u01b0ng l\u1ea1i thu\u1ed9c di\u1ec7n qu\u1ea3n l\u00fd c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 NHNN kh\u00f4ng c\u1ea5p ph\u00e9p\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n<p><strong>Quang Th\u1eafng<\/strong><\/p>\n<p><strong><em> \u2014\u2014\u2014\u2014-<\/em><\/strong><\/p>\n<p><strong><em>Zing (Kinh doanh) 04-10-2019:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/news.zing.vn\/ai-quan-ly-cac-chuoi-cam-do-dang-no-ro-lai-suat-tren-100-nam-post997210.html\"><em>https:\/\/news.zing.vn\/ai-quan-ly-cac-chuoi-cam-do-dang-no-ro-lai-suat-tren-100-nam-post997210.html<\/em><\/a><\/p>\n<p><em>(559\/1.207)<\/em>","protected":false},"excerpt":{"rendered":"<p>(Zing) &#8211; L\u00e3nh \u0111\u1ea1o c\u1ea5p V\u1ee5 thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 kh\u00f4ng ph\u1ea3i l\u00e0 cho vay nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00ean kh\u00f4ng thu\u1ed9c qu\u1ea3n l\u00fd c\u1ee7a c\u01a1 quan n\u00e0y m\u00e0 do B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng n\u1eafm. Trao \u0111\u1ed5i v\u1edbi\u00a0Zing.vn, c\u00e1c chuy\u00ean gia \u0111\u1ec1u cho r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng cho [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13814,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-13813","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.779. 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Trao \u0111\u1ed5i v\u1edbi\u00a0Zing.vn, c\u00e1c chuy\u00ean gia \u0111\u1ec1u cho r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng cho [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/2-779-ai-quan-ly-cac-chuoi-cam-do-dang-no-ro-lai-suat-tren-100-nam\/\" \/>\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=\"2019-10-04T07:39:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-17T07:41:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/16-3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"654\" \/>\n\t<meta property=\"og:image:height\" content=\"490\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\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=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/vi\/2-779-ai-quan-ly-cac-chuoi-cam-do-dang-no-ro-lai-suat-tren-100-nam\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/2-779-ai-quan-ly-cac-chuoi-cam-do-dang-no-ro-lai-suat-tren-100-nam\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"2.779. 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