{"id":14522,"date":"2017-12-15T09:16:56","date_gmt":"2017-12-15T02:16:56","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=14522"},"modified":"2022-03-21T09:24:15","modified_gmt":"2022-03-21T02:24:15","slug":"1-928-rui-ro-vay-tien-khong-can-gap-mat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-928-rui-ro-vay-tien-khong-can-gap-mat\/","title":{"rendered":"1.928. R\u1ee7i ro ‘vay ti\u1ec1n kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t'"},"content":{"rendered":"(TN) – S\u00e0n giao d\u1ecbch vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c qu\u1ea3ng b\u00e1 ‘vay ti\u1ec1n kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t’ \u0111\u00e3 thu h\u00fat h\u00e0ng ng\u00e0n ng\u01b0\u1eddi tham gia. Nhi\u1ec1u chuy\u00ean gia c\u1ea3nh b\u00e1o nguy c\u01a1 r\u1ee7i ro cho c\u1ea3 ng\u01b0\u1eddi vay l\u1eabn ng\u01b0\u1eddi cho vay.<\/strong><\/p>\n

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Nh\u00e2n vi\u00ean C\u00f4ng ty Vay M\u01b0\u1ee3n t\u01b0 v\u1ea5n qua email, chat… cho kh\u00e1ch h\u00e0ng \u1ea2nh: NG\u1eccC TH\u1eaeNG<\/em><\/p>\n

Ch\u1ec9 sau 2 tu\u1ea7n ra \u0111\u1eddi, s\u00e0n giao d\u1ecbch vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c qu\u1ea3ng b\u00e1 \u201cvay ti\u1ec1n kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t\u201d \u0111\u00e3 thu h\u00fat h\u00e0ng ng\u00e0n ng\u01b0\u1eddi tham gia. \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 m\u00f4 h\u00ecnh k\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay \u0111\u1ea7u ti\u00ean t\u1ea1i VN, nh\u01b0ng nhi\u1ec1u chuy\u00ean gia c\u1ea3nh b\u00e1o nguy c\u01a1 r\u1ee7i ro cho c\u1ea3 ng\u01b0\u1eddi vay l\u1eabn ng\u01b0\u1eddi cho vay.<\/p>\n

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Ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay th\u1ef1c hi\u1ec7n giao d\u1ecbch qua m\u1ea1ng ho\u1eb7c \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng.\u1ea2NH: \u0110.N.TH\u1ea0CH<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ra m\u1eaft t\u1eeb \u0111\u1ea7u th\u00e1ng 12, C\u00f4ng ty c\u1ed5 ph\u1ea7n Vay M\u01b0\u1ee3n (tr\u1ee5 s\u1edf t\u1ea1i H\u00e0 N\u1ed9i) gi\u1edbi thi\u1ec7u s\u00e0n giao d\u1ecbch Vaymuon.vn ho\u1ea1t \u0111\u1ed9ng theo m\u00f4 h\u00ecnh c\u00f4ng ngh\u1ec7 nh\u01b0 Uber, Grab trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. Theo \u0111\u00f3, th\u00f4ng qua \u1ee9ng d\u1ee5ng \u201cVay M\u01b0\u1ee3n\u201d c\u00e0i \u0111\u1eb7t tr\u00ean \u0110TD\u0110, ng\u01b0\u1eddi vay g\u1eedi y\u00eau c\u1ea7u \u0111\u1ec3 vay m\u1ed9t kho\u1ea3n ti\u1ec1n. C\u00e1c b\u01b0\u1edbc x\u00e9t duy\u1ec7t cho m\u1ed9t kho\u1ea3n vay kh\u00f4ng qu\u00e1 4 gi\u1edd cho l\u1ea7n \u0111\u1ea7u ho\u1eb7c kh\u00f4ng qu\u00e1 30 ph\u00fat cho nh\u1eefng l\u1ea7n sau. Ng\u01b0\u1eddi vay kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n hay gi\u1ea5y t\u1edd v\u00e0 kh\u00f4ng b\u1ecb y\u00eau c\u1ea7u g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp. Ng\u01b0\u1ee3c l\u1ea1i, b\u1ea5t k\u1ef3 ng\u01b0\u1eddi n\u00e0o c\u00f3 ti\u1ec1n nh\u00e0n r\u1ed7i c\u0169ng c\u00f3 th\u1ec3 t\u1ea3i \u1ee9ng d\u1ee5ng \u201cVayMuon – Nh\u00e0 \u0111\u1ea7u t\u01b0\u201d \u0111\u1ec3 tr\u1edf th\u00e0nh ng\u01b0\u1eddi cho vay (g\u1ecdi l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 – N\u0110T). Khi c\u00f3 ng\u01b0\u1eddi g\u1eedi y\u00eau c\u1ea7u vay, N\u0110T s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u00e0 n\u1ebfu ch\u1ea5p thu\u1eadn cho vay, s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c chuy\u1ec3n t\u1eeb v\u00ed \u0111i\u1ec7n t\u1eed li\u00ean k\u1ebft Vimo c\u1ee7a N\u0110T sang t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi vay. \u0110\u1ebfn th\u1eddi \u0111i\u1ec3m \u0111\u00e1o h\u1ea1n, 100% g\u1ed1c v\u00e0 l\u00e3i s\u1ebd \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng ho\u00e0n tr\u1ea3 v\u00e0o v\u00ed \u0111i\u1ec7n t\u1eed Vimo c\u1ee7a N\u0110T.<\/p>\n

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Nhi\u1ec1u khi\u1ebfu n\u1ea1i v\u1ec1 cho vay ti\u00eau d\u00f9ng<\/a><\/p>\n

C\u1ee5c C\u1ea1nh tranh v\u00e0 B\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng, B\u1ed9 C\u00f4ng th\u01b0\u01a1ng cho bi\u1ebft, g\u1ea7n \u0111\u00e2y c\u00f3 nhi\u1ec1u ph\u1ea3n \u00e1nh, t\u1ed1 c\u00e1o, khi\u1ebfu n\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng li\u00ean quan \u0111\u1ebfn c\u00e1c h\u00e0nh vi c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng.<\/p>\n

\u201cNg\u01b0\u1eddi \u0111\u1ea3m b\u1ea3o\u201d gi\u1ea5u m\u1eb7t !<\/strong><\/p>\n

Tr\u00ean trang ch\u1ee7 Vaymuon.vn, \u0111\u01a1n v\u1ecb n\u00e0y kh\u1eb3ng \u0111\u1ecbnh \u0111\u00e2y kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng, kh\u00f4ng ph\u1ea3i c\u00f4ng ty t\u00e0i ch\u00ednh m\u00e0 ch\u1ec9 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 k\u1ebft n\u1ed1i nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 N\u0110T b\u1eb1ng c\u00e1ch cung c\u1ea5p cho ng\u01b0\u1eddi vay m\u1ee9c gi\u00e1 t\u1ed1t nh\u1ea5t v\u00e0 N\u0110T l\u1ee3i nhu\u1eadn cao nh\u1ea5t. C\u00f4ng ty Vay M\u01b0\u1ee3n \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u00e0n tr\u1ea3 100% c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i cho c\u00e1c N\u0110T tham gia.<\/p>\n

Khi \u0111\u01b0\u1ee3c h\u1ecfi l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c v\u1ed1n c\u1ee7a N\u0110T n\u1ebfu nhi\u1ec1u ng\u01b0\u1eddi vay kh\u00f4ng thanh to\u00e1n n\u1ee3, b\u00e0 \u0110\u00e0o Th\u1ecb Trang, T\u1ed5ng gi\u00e1m \u0111\u1ed1c C\u00f4ng ty c\u1ed5 ph\u1ea7n Vay M\u01b0\u1ee3n, cho bi\u1ebft th\u1ef1c t\u1ebf m\u00f4 h\u00ecnh n\u00e0y c\u00f3 4 b\u00ean tham gia. \u0110\u00f3 l\u00e0 N\u0110T, ng\u01b0\u1eddi vay, c\u00f4ng ty vay m\u01b0\u1ee3n v\u00e0 ng\u01b0\u1eddi \u0111\u1ea3m b\u1ea3o. Trong \u0111\u00f3, ng\u01b0\u1eddi \u0111\u1ea3m b\u1ea3o \u0111\u1ee9ng ph\u00eda sau C\u00f4ng ty Vay M\u01b0\u1ee3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay \u0111\u01b0\u1ee3c thu h\u1ed3i v\u00e0 ho\u00e0n tr\u1ea3 \u0111\u1ee7 cho N\u0110T. Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi vay thanh to\u00e1n \u0111\u00fang h\u1ea1n th\u00ec ng\u01b0\u1eddi \u0111\u1ea3m b\u1ea3o s\u1ebd c\u00f3 l\u1eddi. Ng\u01b0\u1ee3c l\u1ea1i, khi ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 n\u1ee3 th\u00ec ng\u01b0\u1eddi \u0111\u1ea3m b\u1ea3o ph\u1ea3i b\u00f9 l\u1ed7 \u0111\u1ec3 tr\u1ea3 l\u1ea1i v\u1ed1n v\u00e0 l\u00e3i cho N\u0110T.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, tr\u01b0\u1edbc khi vaymuon.vn c\u00f4ng b\u1ed1 ho\u1ea1t \u0111\u1ed9ng, c\u00f3 m\u1ed9t s\u00e0n giao d\u1ecbch v\u1edbi m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u1ef1 \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u c\u1ee7a C\u00f4ng ty c\u1ed5 ph\u1ea7n T\u1eadp \u0111o\u00e0n Tima. T\u1ea1i \u0111\u1ecba ch\u1ec9 tima.vn, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd vay ti\u1ec1n ho\u1eb7c l\u00e0m N\u0110T. Tuy nhi\u00ean, kh\u00e1c bi\u1ec7t l\u00e0 \u1edf tima.vn, N\u0110T v\u00e0 ng\u01b0\u1eddi vay t\u1ef1 k\u1ebft n\u1ed1i v\u1edbi nhau, sau \u0111\u00f3 t\u1ef1 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 c\u00e1c th\u1ee7 t\u1ee5c li\u00ean quan. M\u1ed9t nh\u00e2n vi\u00ean c\u1ee7a Tima t\u01b0 v\u1ea5n: N\u0110T s\u1ebd t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 quy\u1ebft \u0111\u1ecbnh cho vay c\u1ee7a m\u00ecnh, c\u00f4ng ty ch\u1ec9 k\u1ebft n\u1ed1i t\u00ecm ki\u1ebfm ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay v\u1edbi nhau v\u00e0 kh\u00f4ng thu ph\u00ed \u0111\u1ed1i v\u1edbi kho\u1ea3n vay. Trang web n\u00e0y c\u00f4ng b\u1ed1 s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n qua tima.vn l\u00ean h\u01a1n 15.334 t\u1ec9 \u0111\u1ed3ng, \u0111\u01a1n vay m\u1edbi trong ng\u00e0y 14.12 l\u00e0 1.453 \u0111\u01a1n trong t\u1ed5ng \u0111\u01a1n vay tr\u00ean h\u1ec7 th\u1ed1ng l\u00e0 1,082 tri\u1ec7u \u0111\u01a1n, s\u1ed1 ng\u01b0\u1eddi \u0111\u0103ng k\u00fd vay l\u00e0 803.442 ng\u01b0\u1eddi, trong khi s\u1ed1 ng\u01b0\u1eddi tham gia cho vay l\u00e0 4.604 ng\u01b0\u1eddi. Danh s\u00e1ch kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd vay c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 5 tri\u1ec7u \u0111\u1ed3ng, 10 tri\u1ec7u \u0111\u1ed3ng, 50 tri\u1ec7u \u0111\u1ed3ng, 100 tri\u1ec7u \u0111\u1ed3ng v\u1edbi c\u00e1c g\u00f3i s\u1ea3n ph\u1ea9m vay t\u00edn ch\u1ea5p, vay tr\u1ea3 g\u00f3p ng\u00e0y, c\u1ea7m c\u1ed1…<\/p>\n

\u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c cho vay ngang h\u00e0ng (Peer-to-Peer Lending), m\u1ed9t m\u00f4 h\u00ecnh kinh t\u1ebf chia s\u1ebb ra \u0111\u1eddi t\u1ea1i Anh n\u0103m 2005 v\u00e0 tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn t\u1ea1i M\u1ef9 sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng kinh t\u1ebf n\u0103m 2008 v\u1edbi c\u00e1c t\u00ean tu\u1ed5i l\u1edbn nh\u01b0 Lending Cub, Prosper… Trong 10 n\u0103m qua, m\u00f4 h\u00ecnh n\u00e0y \u0111\u00e3 nhanh ch\u00f3ng lan ra to\u00e0n th\u1ebf gi\u1edbi v\u1edbi g\u1ea7n 4.000 doanh nghi\u1ec7p.<\/p>\n

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Nh\u00e2n vi\u00ean C\u00f4ng ty Vay M\u01b0\u1ee3n t\u01b0 v\u1ea5n qua email, chat… cho kh\u00e1ch h\u00e0ng\u1ea2NH: NG\u1eccC TH\u1eaeNG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ph\u00ed cao g\u1ea5p 5 l\u1ea7n l\u00e3i su\u1ea5t<\/strong><\/p>\n

Vaymuon.vn c\u00f4ng b\u1ed1 ch\u1ec9 cho vay t\u1eeb 1 – 10 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian t\u1eeb 7 – 45 ng\u00e0y. L\u00e3i su\u1ea5t hi\u1ec7n nay \u00e1p d\u1ee5ng 1,5%\/th\u00e1ng tr\u1ea3 cho N\u0110T, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 18%\/n\u0103m. \u0110\u1ed3ng th\u1eddi ng\u01b0\u1eddi vay c\u00f2n tr\u1ea3 th\u00eam kho\u1ea3n ph\u00ed 2.500 \u0111\u1ed3ng\/1 tri\u1ec7u \u0111\u1ed3ng\/ng\u00e0y. L\u00e3i su\u1ea5t v\u00e0 ph\u00ed n\u00e0y c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo t\u1eebng th\u1eddi \u0111i\u1ec3m v\u00e0 s\u1ebd \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o tr\u01b0\u1edbc khi \u00e1p d\u1ee5ng. Ph\u00ed ph\u1ea1t qu\u00e1 h\u1ea1n b\u1eb1ng 150% l\u00e3i su\u1ea5t trong h\u1ea1n c\u1ed9ng v\u1edbi ph\u00ed gi\u1edbi thi\u1ec7u, thu x\u1ebfp, k\u1ebft n\u1ed1i v\u00e0 qu\u1ea3n l\u00fd kho\u1ea3n vay. Trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 n\u1ee3, c\u00f4ng ty v\u00e0 N\u0110T \u0111\u01b0\u1ee3c quy\u1ec1n s\u1eed d\u1ee5ng m\u1ecdi bi\u1ec7n ph\u00e1p c\u1ea7n thi\u1ebft \u0111\u1ec3 thu h\u1ed3i n\u1ee3 bao g\u1ed3m: c\u00f4ng b\u1ed1 th\u00f4ng tin r\u1ed9ng r\u00e3i, b\u00e1n n\u1ee3 cho b\u00ean th\u1ee9 ba ho\u1eb7c ki\u1ec7n ra t\u00f2a d\u00e2n s\u1ef1.<\/p>\n

B\u00e0 Trang cho r\u1eb1ng l\u00e3i su\u1ea5t v\u00e0 m\u1ee9c ph\u00ed n\u00e0y kh\u00e1 c\u1ea1nh tranh n\u1ebfu so v\u1edbi vi\u1ec7c kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111i vay \u201cch\u1ee3 \u0111en\u201d ho\u1eb7c vay \u1edf c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3. B\u00e0 n\u00e0y c\u0169ng ti\u1ebft l\u1ed9 th\u00eam, ch\u01b0a \u0111\u1ea7y m\u1ed9t th\u00e1ng nh\u01b0ng \u0111\u00e3 c\u00f3 kho\u1ea3ng 30.000 ng\u01b0\u1eddi t\u1ea3i \u1ee9ng d\u1ee5ng \u201cVay M\u01b0\u1ee3n\u201d. H\u1eb1ng ng\u00e0y, nhu c\u1ea7u \u0111i vay \u0111\u01b0\u1ee3c g\u1eedi l\u00ean kh\u00e1 l\u1edbn. Ri\u00eang s\u1ed1 l\u01b0\u1ee3ng N\u0110T tham gia cho vay ti\u1ec1n c\u0169ng nhi\u1ec1u n\u00ean c\u00f4ng ty n\u00e0y ch\u01b0a k\u1ebft n\u1ea1p th\u00eam.<\/p>\n

Theo t\u00ecm hi\u1ec3u c\u1ee7a PV, t\u00f9y theo h\u00ecnh th\u1ee9c, s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c duy\u1ec7t vay t\u1ea1i vaymuon.vn kh\u00e1c nhau. Vay theo b\u1ea3ng l\u01b0\u01a1ng th\u00ec t\u1ed1i \u0111a \u0111\u01b0\u1ee3c 10 tri\u1ec7u \u0111\u1ed3ng, vay theo th\u1ebb sinh vi\u00ean th\u00ec t\u1ed1i \u0111a \u0111\u01b0\u1ee3c 5 tri\u1ec7u \u0111\u1ed3ng. V\u00ed d\u1ee5, n\u1ebfu vay 2 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian 30 ng\u00e0y, t\u1ed5ng s\u1ed1 ti\u1ec1n s\u1ebd tr\u1ea3 l\u00e0 2,18 tri\u1ec7u \u0111\u1ed3ng; vay 5 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian 30 ng\u00e0y th\u00ec g\u1ed1c v\u00e0 l\u00e3i l\u00ean 5,45 tri\u1ec7u \u0111\u1ed3ng… T\u1ed5ng c\u1ed9ng ng\u01b0\u1eddi \u0111i vay ph\u1ea3i tr\u1ea3 l\u00e3i v\u00e0 ph\u00ed 450.000 \u0111\u1ed3ng khi vay 5 tri\u1ec7u \u0111\u1ed3ng trong v\u00f2ng 1 th\u00e1ng. Trong \u0111\u00f3, ph\u00eda N\u0110T b\u1ecf ra 5 tri\u1ec7u \u0111\u1ed3ng cho vay ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n l\u00e3i 75.000 \u0111\u1ed3ng; c\u00f2n l\u1ea1i 375.000 \u0111\u1ed3ng l\u00e0 ph\u00ed. T\u00ednh ra, ph\u00ed cao g\u1ea5p 5 l\u1ea7n l\u00e3i su\u1ea5t. Tuy nhi\u00ean, n\u1ebfu l\u00e0 sinh vi\u00ean th\u00ec m\u1ee9c ph\u00ed \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng th\u1ea5p nh\u1ea5t, kho\u1ea3ng 2.000 \u0111\u1ed3ng\/1 tri\u1ec7u\/ng\u00e0y.<\/p>\n

R\u1ee7i ro v\u1edbi c\u1ea3 ng\u01b0\u1eddi vay v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0<\/strong><\/p>\n\n\n\n
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<\/td>\nM\u00f4 h\u00ecnh n\u00e0y n\u1ebfu kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, cung ti\u1ec1n cho n\u1ec1n kinh t\u1ebf khi ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i b\u1ecb h\u00fat v\u00e0o. \u0110\u1eb7c bi\u1ec7t, c\u1ea7n c\u1ea3nh b\u00e1o \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi cho vay tham gia h\u00ecnh th\u1ee9c n\u00e0y s\u1ebd g\u1eb7p ph\u1ea3i nhi\u1ec1u r\u1ee7i ro<\/em><\/td>\n<\/td>\n<\/tr>\n
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Lu\u1eadt s\u01b0\u00a0Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/td>\n<\/tr>\n
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Theo TS Nguy\u1ec5n V\u0103n Thu\u1eadn, Tr\u01b0\u1eddng \u0110H T\u00e0i ch\u00ednh – Marketing, \u0111\u00e2y l\u00e0 m\u1ed9t d\u1ea1ng c\u1ee7a m\u00f4 h\u00ecnh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00f4ng ngh\u1ec7 (fintech) \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh. Tuy nhi\u00ean \u1edf nhi\u1ec1u n\u01b0\u1edbc, m\u1ed7i c\u00e1 nh\u00e2n \u0111\u1ec1u c\u00f3 h\u1ec7 s\u1ed1 t\u00edn nhi\u1ec7m \u0111\u01b0\u1ee3c x\u1ebfp lo\u1ea1i. N\u1ebfu h\u1ec7 s\u1ed1 t\u00edn nhi\u1ec7m th\u1ea5p th\u00ec khi vay ti\u1ec1n s\u1ebd b\u1ecb l\u00e3i su\u1ea5t cao, th\u1eadm ch\u00ed b\u1ecb t\u1eeb ch\u1ed1i cho vay. Do v\u1eady \u0111a s\u1ed1 c\u00e1 nh\u00e2n s\u1ee3 b\u1ecb x\u1ebfp h\u1ea1ng \u0111i\u1ec3m th\u1ea5p n\u00ean s\u1ebd tu\u00e2n th\u1ee7 tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n. Trong khi \u0111\u00f3 \u1edf VN, ch\u1ee7 y\u1ebfu d\u1ef1a tr\u00ean s\u1ef1 x\u00e1c minh th\u00f4ng tin c\u00e1 nh\u00e2n v\u00ec vi\u1ec7c cho vay b\u1eb1ng t\u00edn ch\u1ea5p s\u1ebd r\u1ee7i ro cao h\u01a1n cho ng\u01b0\u1eddi b\u1ecf ti\u1ec1n ra. \u201cTuy nhi\u00ean, khi c\u00f4ng ngh\u1ec7 ph\u00e1t tri\u1ec3n, \u00e1p d\u1ee5ng trong nhi\u1ec1u l\u0129nh v\u1ef1c th\u00ec c\u0169ng kh\u00f4ng n\u00ean c\u1ea5m m\u00f4 h\u00ecnh n\u00e0y. Thay v\u00e0o \u0111\u00f3, c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc c\u1ea7n nghi\u00ean c\u1ee9u \u0111\u1ec3 \u0111\u01b0a ra h\u00e0nh lang ph\u00e1p l\u00fd nh\u1eb1m \u0111\u1ea3m b\u1ea3o an to\u00e0n cho N\u0110T, \u0111\u1ea3m b\u1ea3o th\u1ecb tr\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng minh b\u1ea1ch, \u1ed5n \u0111\u1ecbnh\u201d, TS Thu\u1eadn khuy\u1ebfn ngh\u1ecb.<\/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 hay hi\u1ec7n nay ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng nh\u01b0 tr\u00ean. \u201cC\u00e1c c\u00f4ng ty n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), nh\u01b0ng b\u1ea3n ch\u1ea5t h\u00ecnh th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y c\u00f3 n\u01a1i l\u00e0 huy \u0111\u1ed9ng v\u00e0 cho vay, c\u00f3 n\u01a1i l\u00e0 m\u00f4i gi\u1edbi v\u1ec1 ti\u1ec1n t\u1ec7 th\u00ec l\u1ea1i ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a NHNN. \u1ede m\u1ed9t s\u1ed1 n\u01b0\u1edbc, h\u00ecnh th\u1ee9c n\u00e0y kh\u00f4ng c\u1ea5m n\u00ean nhi\u1ec1u c\u00f4ng ty n\u1edf r\u1ed9 l\u00e0m. V\u1edbi t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n v\u1ec1 c\u00f4ng ngh\u1ec7 hi\u1ec7n nay kh\u00e1 nhanh, nh\u1eefng m\u00f4 h\u00ecnh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 ki\u1ec3u Uber, Grab… s\u1ebd ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n. M\u00f4 h\u00ecnh n\u00e0y n\u1ebfu kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, cung ti\u1ec1n cho n\u1ec1n kinh t\u1ebf khi ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i b\u1ecb h\u00fat v\u00e0o. \u0110\u1eb7c bi\u1ec7t, c\u1ea7n c\u1ea3nh b\u00e1o \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi cho vay tham gia h\u00ecnh th\u1ee9c n\u00e0y s\u1ebd g\u1eb7p ph\u1ea3i nhi\u1ec1u r\u1ee7i ro\u201d, lu\u1eadt s\u01b0 \u0110\u1ee9c c\u1ea3nh b\u00e1o.<\/em><\/p>\n

C\u00f2n chuy\u00ean gia t\u00e0i ch\u00ednh Nguy\u1ec5n Tr\u00ed Hi\u1ebfu ph\u00e2n t\u00edch: C\u00e1c doanh nghi\u1ec7p l\u00e0m trung gian k\u1ebft n\u1ed1i ch\u1ec9 c\u1ea7n \u0111\u0103ng k\u00fd kinh doanh theo lu\u1eadt Doanh nghi\u1ec7p, kh\u00f4ng gi\u1eef ti\u1ec1n, kh\u00f4ng tham gia qu\u00e1 tr\u00ecnh gi\u1ea3i ng\u00e2n th\u00ec kh\u00f4ng vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 l\u0129nh v\u1ef1c cho vay t\u00e0i ch\u00ednh. Ho\u1ea1t \u0111\u1ed9ng n\u00e0y mang l\u1ea1i l\u1ee3i \u00edch khi t\u1ea1o k\u1ebft n\u1ed1i cho hai b\u00ean c\u00f3 nhu c\u1ea7u g\u1eb7p nhau. Tuy nhi\u00ean, tr\u00e1ch nhi\u1ec7m v\u00e0 r\u1ee7i ro c\u1ee7a N\u0110T s\u1ebd r\u1ea5t l\u1edbn. Ng\u01b0\u1ee3c l\u1ea1i, r\u1ee7i ro cho ng\u01b0\u1eddi vay c\u0169ng c\u00f3 n\u1ebfu nh\u01b0 d\u1ecbch v\u1ee5 t\u0103ng l\u00e3i su\u1ea5t b\u1ea5t ng\u1edd, thay \u0111\u1ed5i c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho vay v\u00e0 thanh to\u00e1n…<\/p>\n

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\u201cVN kh\u00f4ng n\u00ean c\u1ea5m nh\u01b0ng c\u0169ng kh\u00f4ng n\u00ean khuy\u1ebfn kh\u00edch ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 \u0111\u1ea1i tr\u00e0. Nh\u00e0 n\u01b0\u1edbc n\u00ean xem x\u00e9t c\u00f3 th\u1ec3 cho m\u1ed9t v\u00e0i c\u00f4ng ty l\u1edbn, c\u00f3 \u0111\u1ee7 th\u1ef1c l\u1ef1c v\u1ec1 t\u00e0i ch\u00ednh, c\u00f3 uy t\u00edn \u0111\u1ec3 th\u1ef1c hi\u1ec7n th\u00ed \u0111i\u1ec3m d\u1ecbch v\u1ee5. B\u1edfi c\u00f4ng ngh\u1ec7 th\u00f4ng tin k\u1ebft n\u1ed1i ch\u1ec9 t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u g\u1eb7p nhau. C\u00f2n nh\u1eefng r\u1ee7i ro v\u00e0 h\u1ec7 l\u1ee5y trong m\u00f4 h\u00ecnh n\u00e0y cho nhi\u1ec1u gia \u0111\u00ecnh t\u01b0\u01a1ng t\u1ef1 nh\u01b0 vi\u1ec7c cho vay ki\u1ec3u t\u00edn d\u1ee5ng \u0111en tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 c\u00f3 l\u00e2u nay\u201d, \u00f4ng Hi\u1ebfu n\u00f3i.<\/p>\n\n\n\n
Th\u1ecb tr\u01b0\u1eddng cho vay tri\u1ec7u t\u1ec9 \u0111\u1ed3ng<\/strong><\/p>\n

Theo b\u00e1o c\u00e1o c\u1ee7a C\u00f4ng ty ch\u1ee9ng kho\u00e1n B\u1ea3n Vi\u1ec7t (VCSC), quy m\u00f4 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng VN \u0111\u1ea1t g\u1ea7n 600.000 t\u1ec9 \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 26 t\u1ec9 USD trong n\u0103m 2016, chi\u1ebfm g\u1ea7n 10% GDP. VCSC d\u1ef1 b\u00e1o quy m\u00f4 th\u1ecb tr\u01b0\u1eddng s\u1ebd ti\u1ebfn t\u1edbi m\u1ed1c 1 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng v\u00e0o n\u0103m 2019 v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n 29% m\u1ed7i n\u0103m. C\u00f2n theo s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea c\u1ee7a NHNN, t\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng tr\u00ean GDP c\u1ee7a VN t\u0103ng r\u1ea5t nhanh, t\u1eeb 52,5% v\u00e0o n\u0103m 2005 l\u00ean \u0111\u1ebfn \u0111\u1ec9nh \u0111i\u1ec3m 77,7% v\u00e0o n\u0103m 2009. Giai \u0111o\u1ea1n 2010 -2016 n\u1ec1n kinh t\u1ebf r\u01a1i v\u00e0o suy gi\u1ea3m t\u0103ng tr\u01b0\u1edfng v\u00e0 t\u1ef7 l\u1ec7 ti\u00eau d\u00f9ng tr\u00ean GDP c\u0169ng gi\u1ea3m \u0111\u1ebfn \u0111\u00e1y v\u00e0o n\u0103m 2012; nh\u01b0ng t\u1eeb n\u0103m 2013 \u0111\u1ebfn nay t\u1ef7 l\u1ec7 n\u00e0y li\u00ean t\u1ee5c t\u0103ng cao v\u00e0 \u0111\u1ea1t 78,34% v\u00e0o n\u0103m 2016.<\/p>\n

S\u1ed1 li\u1ec7u t\u1eeb \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia cho th\u1ea5y t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng t\u00ednh \u0111\u1ebfn th\u00e1ng 11.2017 t\u0103ng 59% so v\u1edbi cu\u1ed1i n\u0103m 2016. Trong \u0111\u00f3, vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u mua nh\u00e0 \u0111\u1ec3 \u1edf, thu\u00ea, thu\u00ea mua nh\u00e0 \u1edf, x\u00e2y d\u1ef1ng, s\u1eeda ch\u1eefa nh\u00e0 \u1edf, nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 \u1edf chi\u1ebfm t\u1ef7 tr\u1ecdng 52,9%, t\u0103ng 3,4% so v\u1edbi cu\u1ed1i n\u0103m 2016; cho vay mua trang thi\u1ebft b\u1ecb gia \u0111\u00ecnh chi\u1ebfm 15,3% v\u00e0 cho vay mua ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i chi\u1ebfm 8,3%.<\/p>\n

Ngo\u00e0i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng hi\u1ec7n nay, th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng c\u00f2n c\u00f3 s\u1ef1 tham gia c\u1ee7a h\u00e0ng tr\u0103m ng\u00e0n c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 cung c\u1ea5p ngu\u1ed3n t\u00edn d\u1ee5ng nh\u1ecf t\u1eeb v\u00e0i tri\u1ec7u \u0111\u1ebfn h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng v\u00e0 hi\u1ec7n gi\u1edd l\u00e0 h\u00ecnh th\u1ee9c k\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n\n\n\n
\u1ea2nh h\u01b0\u1edfng t\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng<\/strong><\/p>\n

\u00d4ng Nguy\u1ec5n Ho\u00e0ng Minh, Ph\u00f3 gi\u00e1m \u0111\u1ed1c NHNN chi nh\u00e1nh TP.HCM, cho bi\u1ebft c\u00e1c ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u1ed1n v\u00e0 cho vay l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n, ph\u1ea3i \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p. \u0110\u1ed1i v\u1edbi h\u00ecnh th\u1ee9c c\u00f4ng ty \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 ph\u1ea7n m\u1ec1m k\u1ebft n\u1ed1i ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay l\u00e0 m\u00f4 h\u00ecnh m\u1edbi v\u00e0 \u0111ang c\u00f3 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n g\u1ea7n \u0111\u00e2y, NHNN chi nh\u00e1nh TP.HCM ghi nh\u1eadn t\u00ecnh h\u00ecnh n\u00e0y v\u00e0 b\u00e1o c\u00e1o l\u00ean NHNN T.\u01af. Tuy nhi\u00ean, d\u01b0\u1edbi g\u00f3c \u0111\u1ed9 l\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd, \u00f4ng Minh cho r\u1eb1ng m\u00f4 h\u00ecnh n\u00e0y s\u1ebd \u1ea3nh h\u01b0\u1edfng ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, \u0111\u1ed3ng th\u1eddi ng\u01b0\u1eddi c\u00f3 ti\u1ec1n cho vay \u0111\u1ee9ng tr\u01b0\u1edbc r\u1ee7i ro m\u1ea5t ti\u1ec1n hi\u1ec7n h\u1eefu.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Mai Ph\u01b0\u01a1ng – Thanh Xu\u00e2n<\/strong><\/p>\n

\u2014\u2014\u2014\u2014-<\/p>\n

Thanh ni\u00ean (Th\u1eddi s\u1ef1) 15-12-2017:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/thoi-su\/rui-ro-vay-tien-khong-can-gap-mat-909897.html<\/a><\/em><\/p>\n

(253\/2.391)<\/em>","protected":false},"excerpt":{"rendered":"

(TN) – S\u00e0n giao d\u1ecbch vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c qu\u1ea3ng b\u00e1 ‘vay ti\u1ec1n kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t’ \u0111\u00e3 thu h\u00fat h\u00e0ng ng\u00e0n ng\u01b0\u1eddi tham gia. Nhi\u1ec1u chuy\u00ean gia c\u1ea3nh b\u00e1o nguy c\u01a1 r\u1ee7i ro cho c\u1ea3 ng\u01b0\u1eddi vay l\u1eabn ng\u01b0\u1eddi cho vay. Nh\u00e2n vi\u00ean C\u00f4ng ty Vay M\u01b0\u1ee3n t\u01b0 v\u1ea5n qua email, chat… cho kh\u00e1ch […]<\/p>\n","protected":false},"author":1,"featured_media":14523,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-14522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.928. 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