{"id":14788,"date":"2018-08-19T12:50:57","date_gmt":"2018-08-19T05:50:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=14788"},"modified":"2022-03-21T12:55:12","modified_gmt":"2022-03-21T05:55:12","slug":"2-281-can-co-khung-phap-ly-dieu-chinh-mo-hinh-cho-vay-ngang-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-281-can-co-khung-phap-ly-dieu-chinh-mo-hinh-cho-vay-ngang-hang\/","title":{"rendered":"2.281. C\u1ea7n c\u00f3 khung ph\u00e1p l\u00fd \u0111i\u1ec1u ch\u1ec9nh m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng"},"content":{"rendered":"(<\/em><\/strong>VOV.VN) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer – P2P) ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn \u1edf Vi\u1ec7t Nam. Tuy nhi\u00ean, cho vay P2P ti\u1ec1m \u1ea9n kh\u00e1 nhi\u1ec1u r\u1ee7i ro.<\/strong><\/p>\n

Ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay \u0111\u1ec1u b\u1ea5t an<\/strong><\/p>\n

Cho vay P2P kh\u00e1 ph\u1ed5 bi\u1ebfn \u1edf m\u1ed9t s\u1ed1 n\u01b0\u1edbc ph\u00e1t tri\u1ec3n nh\u01b0: Anh, M\u1ef9, Trung. T\u1ea1i Vi\u1ec7t Nam c\u00f3 m\u1ed9t s\u1ed1 c\u00f4ng ty tham gia cho vay tr\u1ef1c tuy\u1ebfn l\u1edbn nh\u01b0: huydong.com (thu\u1ed9c C\u00f4ng ty c\u1ed5 ph\u1ea7n Finsom), Tima, SHA, Mobivi\u2026 L\u00e3i su\u1ea5t cho vay ph\u1ed5 bi\u1ebfn (c\u1ed9ng c\u00e1c lo\u1ea1i ph\u00ed) c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y dao \u0111\u1ed9ng t\u1eeb 20 – 30%\/n\u0103m.<\/p>\n

Tuy nhi\u00ean, cho vay P2P ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro cho c\u00e1c b\u00ean v\u00ec Vi\u1ec7t Nam ch\u01b0a c\u00f3 khung ph\u00e1p l\u00fd cho lo\u1ea1i h\u00ecnh n\u00e0y. Ch\u01b0a k\u1ec3, b\u00ean c\u1ea1nh nh\u1eefng c\u00f4ng ty cho vay P2P ho\u1ea1t \u0111\u1ed9ng \u0111\u00fang m\u00f4 h\u00ecnh s\u1ebd c\u00f3 m\u1ed9t s\u1ed1 c\u00f4ng ty l\u1ee3i d\u1ee5ng m\u00f4 h\u00ecnh n\u00e0y \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Ch\u1ecb Lan Anh \u1edf Long Bi\u00ean, H\u00e0 N\u1ed9i chia s\u1ebb, th\u00e1ng tr\u01b0\u1edbc do gia \u0111\u00ecnh c\u00f3 vi\u1ec7c c\u1ea7n ti\u1ec1n g\u1ea5p, ch\u1ecb \u0111\u00e3 vay P2P t\u00edn ch\u1ea5p theo gi\u1ea5y \u0111\u0103ng k\u00fd xe m\u00e1y. Ch\u1ecb Lan Anh kh\u00e1 ng\u1ea1c nhi\u00ean khi chi\u1ebfc xe m\u00e1y Spacy ch\u1ecb s\u1eed d\u1ee5ng \u0111\u01b0\u1ee3c g\u1ea7n 50 tri\u1ec7u \u0111\u1ed3ng, n\u1ebfu b\u00e1n tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c tr\u00ean d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng, th\u1ebf nh\u01b0ng theo t\u01b0 v\u1ea5n, ch\u1ecb c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c t\u1edbi 50 tri\u1ec7u v\u1edbi th\u1eddi h\u1ea1n 90 ng\u00e0y. Tuy nhi\u00ean, ch\u1ecb th\u1ea5y vay g\u00f3i d\u00e0i h\u01a1i c\u00f3 ph\u1ea7n m\u1ea1o hi\u1ec3m n\u00ean ch\u1ecb ch\u1ec9 vay 20 tri\u1ec7u trong 1 th\u00e1ng v\u1edbi l\u00e3i su\u1ea5t l\u00e0 30%\/n\u0103m.<\/p>\n\n\n\n
\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Cho vay P2P ti\u1ec1m \u1ea9n kh\u00e1 nhi\u1ec1u r\u1ee7i ro khi khung ph\u00e1p l\u00fd ch\u01b0a c\u00f3.<\/em><\/p>\n

\u201c\u01afu \u0111i\u1ec3m c\u1ee7a vay P2P l\u00e0 gi\u1ea3i ng\u00e2n cho kh\u00e1ch h\u00e0ng r\u1ea5t nhanh ch\u00f3ng, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, kh\u00e1ch h\u00e0ng kh\u00f4ng m\u1ea5t c\u00f4ng \u0111i l\u1ea1i. Th\u1ebf nh\u01b0ng, t\u00f4i c\u1ee9 b\u0103n kho\u0103n, vi\u1ec7c vay m\u01b0\u1ee3n l\u00e0 th\u1ecfa thu\u1eadn gi\u1eefa ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay, trong khi ch\u00fang t\u00f4i kh\u00f4ng quen bi\u1ebft nhau v\u00e0 c\u0169ng kh\u00f4ng g\u1eb7p m\u1eb7t khi ti\u1ebfn h\u00e0nh vay m\u01b0\u1ee3n. V\u1eady trong tr\u01b0\u1eddng h\u1ee3p hai b\u00ean vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng th\u00ec \u0111\u01a1n v\u1ecb n\u00e0o \u0111\u1ee9ng ra gi\u1ea3i quy\u1ebft?\u201d \u2013 ch\u1ecb Lan Anh n\u00f3i.<\/p>\n

C\u00f2n ch\u1ecb L\u00ea Th\u1ee7y (qu\u1eadn 1, TP.HCM) chia s\u1ebb, \u0111ang c\u00f3 trong tay s\u1ed1 v\u1ed1n nh\u00e0n r\u1ed7i, \u0111\u01b0\u1ee3c b\u1ea1n b\u00e8 gi\u1edbi thi\u1ec7u, ch\u1ecb \u0111\u00e1nh li\u1ec1u cho vay P2P v\u00ec l\u00e3i su\u1ea5t cao h\u01a1n g\u1eedi ng\u00e2n h\u00e0ng kh\u00e1 nhi\u1ec1u. N\u1ebfu cho vay t\u00edn ch\u1ea5p th\u00ec \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t cao h\u01a1n nh\u01b0ng ch\u1ecb ch\u1ec9 d\u00e1m cho vay th\u1ebf ch\u1ea5p.<\/p>\n

\u201cSau khi xem x\u00e9t h\u1ed3 s\u01a1, t\u00f4i duy\u1ec7t g\u00f3i cho vay t\u00edn ch\u1ea5p theo s\u1ed5 \u0111\u1ecf nh\u00e0 \u0111\u1ea5t v\u1edbi kho\u1ea3n vay 500 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian 60 th\u00e1ng, k\u1ef3 h\u1ea1n thanh to\u00e1n l\u00e3i su\u1ea5t l\u00e0 15 ng\u00e0y. D\u00f9 \u0111\u00e3 c\u1ea7m s\u1ed5 \u0111\u1ecf c\u1ee7a gia \u0111\u00ecnh ng\u01b0\u1eddi ta nh\u01b0ng t\u00f4i v\u1eabn n\u01a1m n\u1edbp lo s\u1ee3 b\u1ecb ng\u01b0\u1eddi ta x\u00f9 n\u1ee3, l\u00fac \u0111\u00f3 c\u00f4ng ty P2P kh\u00f4ng \u0111\u1ee9ng ra \u0111\u00f2i n\u1ee3 cho m\u00ecnh m\u00e0 ph\u1ea3i t\u1ef1 \u0111i \u0111\u00f2i n\u1ee3 s\u1ebd r\u1ea5t m\u1ec7t m\u1ecfi. Cho vay r\u1ed3i t\u00f4i c\u1ee9 \u0103n ng\u1ee7 kh\u00f4ng y\u00ean. \u0110\u01b0\u1ee3c 1 th\u00e1ng, t\u00f4i th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u1edbi ng\u01b0\u1eddi vay ph\u00e1 b\u1ecf h\u1ee3p \u0111\u1ed3ng, ch\u1ec9 l\u1ea5y ti\u1ec1n v\u1ec1 m\u00e0 kh\u00f4ng l\u1ea5y l\u00e3i\u201d \u2013 ch\u1ecb L\u00ea Th\u1ee7y chia s\u1ebb.<\/p>\n

\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 k\u00eanh g\u1eedi ti\u1ec1n<\/strong><\/p>\n

T\u00ecm hi\u1ec3u t\u1ea1i c\u00e1c c\u00f4ng ty cho vay online \u1edf Vi\u1ec7t Nam th\u00ec th\u1ea5y c\u00e1c c\u00f4ng ty n\u00e0y th\u01b0\u1eddng c\u00f3 hai g\u00f3i s\u1ea3n ph\u1ea9m cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng l\u1ef1a ch\u1ecdn l\u00e0 vay t\u00edn ch\u1ea5p: theo l\u01b0\u01a1ng, theo s\u1ed5 h\u1ed9 kh\u1ea9u, theo \u0111\u0103ng k\u00fd xe m\u00e1y, \u00f4 t\u00f4, Icloud Iphone;\u00a0 v\u00e0 vay th\u1ebf ch\u1ea5p: theo m\u00e1y t\u00ednh, \u0111i\u1ec7n tho\u1ea1i, \u00f4 t\u00f4, s\u1ed5 h\u1ed9 kh\u1ea9u, \u0111\u00e1 qu\u00fd, \u0111\u1ed3ng h\u1ed3, trang s\u1ee9c\u2026<\/p>\n

\u0110\u1ec3 c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n vay, kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n ho\u00e0n t\u1ea5t b\u1ea3ng \u0111i\u1ec1n th\u00f4ng tin, ho\u00e0n thi\u1ec7n h\u1ed3 s\u01a1, \u0111\u1ee3i x\u00e9t duy\u1ec7t v\u00e0 nh\u1eadn kho\u1ea3n ti\u1ec1n vay qua t\u00e0i kho\u1ea3n ho\u1eb7c t\u1ea1i c\u1eeda h\u00e0ng Viettel Post tr\u00ean to\u00e0n qu\u1ed1c. C\u00f2n ng\u01b0\u1eddi cho vay ch\u1ec9 c\u1ea7n \u0111\u0103ng k\u00fd t\u00e0i kho\u1ea3n tr\u00ean trang web c\u1ee7a c\u00f4ng ty, nh\u1eadn \u0111\u01a1n xin vay c\u1ee7a kh\u00e1ch h\u00e0ng, t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng v\u1ec1 g\u00f3i vay, \u0111i\u1ec1u ki\u1ec7n vay, l\u00e3i su\u1ea5t, gi\u1ea3i ng\u00e2n qua chuy\u1ec3n kho\u1ea3n ho\u1eb7c nh\u1eadn ti\u1ec1n m\u1eb7t.<\/p>\n

Trong vai m\u1ed9t ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u cho vay ti\u1ec1n, li\u00ean h\u1ec7 theo s\u1ed1 \u0111i\u1ec7n tho\u1ea1i h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng c\u1ee7a Tima.vn, \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n h\u01b0\u1edbng d\u1eabn: vi\u1ec7c \u0111\u1ea7u ti\u00ean l\u00e0 c\u1ea7n t\u1ea1o l\u1eadp m\u1ed9t t\u00e0i kho\u1ea3n tr\u00ean Tima. Sau khi c\u00f3 t\u00e0i kho\u1ea3n, kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c Tima b\u00e1n \u0111\u01a1n c\u1ee7a nh\u1eefng ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay v\u1ed1n v\u1edbi gi\u00e1 t\u1eeb 2.000 – 40.000 \u0111\u1ed3ng\/\u0111\u01a1n. Nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u01a1n, kh\u00e1ch h\u00e0ng t\u1ef1 th\u1ea9m \u0111\u1ecbnh \u0111\u01a1n, t\u1ef1 th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t, ph\u01b0\u01a1ng th\u1ee9c chuy\u1ec3n ti\u1ec1n v\u00e0 thu h\u1ed3i v\u1ed1n.<\/p>\n

Chuy\u00ean gia kinh t\u1ebf, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu khuy\u1ebfn c\u00e1o, ng\u01b0\u1eddi cho vay c\u1ea7n nh\u1eadn th\u1ee9c r\u00f5 \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 k\u00eanh g\u1eedi ti\u1ec1n, m\u00e0 l\u00e0 k\u00eanh \u0111\u1ea7u t\u01b0 n\u00ean ph\u1ea3i ch\u1ea5p nh\u1eadn nhi\u1ec1u r\u1ee7i ro, m\u00e0 r\u1ee7i ro l\u1edbn nh\u1ea5t l\u00e0 m\u1ea5t ti\u1ec1n. C\u00f2n ng\u01b0\u1eddi \u0111i vay c\u00f3 th\u1ec3 ch\u1ecbu r\u1ee7i ro m\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao v\u00e0 khi 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 s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p thu h\u1ed3i n\u1ee3 kh\u00f4ng ch\u00ednh th\u1ed1ng mang t\u00ednh \u0111e d\u1ecda.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Trung t\u00e2m tr\u1ecdng t\u00e0i qu\u1ed1c t\u1ebf Vi\u1ec7t Nam, khi ng\u01b0\u1eddi d\u00e2n g\u1eedi ti\u1ec1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, s\u1ed1 ti\u1ec1n \u0111\u00f3 \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd v\u1edbi nh\u1eefng y\u00eau c\u1ea7u kh\u1eaft khe m\u00e0 v\u1eabn c\u00f3 r\u1ee7i ro n\u00ean c\u00e1c t\u1ed5 ch\u1ee9c\u00a0 n\u00e0y ph\u1ea3i mua b\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

Trong khi cho vay P2P, b\u00ean \u0111i vay kh\u00f4ng ch\u1ecbu s\u1ef1 ki\u1ec3m so\u00e1t n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt n\u00ean r\u1ee7i ro c\u1ee7a b\u00ean cho vay l\u00e0 kh\u1ea3 n\u0103ng m\u1ea5t ti\u1ec1n cao. C\u00f2n r\u1ee7i ro c\u1ee7a b\u00ean \u0111i vay l\u00e0 ph\u1ea3i vay v\u1edbi l\u00e3i su\u1ea5t cao. Th\u1ef1c th\u1ebf c\u00f3 kh\u00f4ng \u00edt ng\u01b0\u1eddi vay \u0111\u00e3 ph\u1ea3i vay v\u1edbi l\u00e3i su\u1ea5t cao g\u1ea5p 3-5 l\u1ea7n so v\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/em><\/p>\n

Theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, ch\u1ec9 c\u00f3 t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng, t\u00edn d\u1ee5ng m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng v\u1ed1n v\u00e0 cho vay. \u0110i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c trung gian kh\u00f4ng \u0111\u00f3ng vai tr\u00f2 ch\u1ee9c n\u0103ng nh\u01b0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u00ec v\u1eady, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n ph\u1ea3i c\u1ea3nh b\u00e1o cho ng\u01b0\u1eddi d\u00e2n bi\u1ebft vi\u1ec7c \u0111i vay v\u00e0 cho vay theo P2P ti\u1ec1m \u1ea9n nh\u1eefng r\u1ee7i ro g\u00ec, \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng nguy c\u01a1 ra sao.<\/em><\/p>\n

\u201cC\u1ea7n c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u1ec3 c\u00e1c b\u00ean bi\u1ebft c\u00e1ch th\u1ef1c hi\u1ec7n v\u00ec n\u00f3 kh\u00f4ng \u0111\u01a1n thu\u1ea7n l\u00e0 kinh doanh h\u00e0ng h\u00f3a b\u00ecnh th\u01b0\u1eddng, m\u00e0 n\u00f3 l\u00e0 c\u00e2u chuy\u1ec7n t\u00e0i ch\u00ednh. Cho vay P2P kh\u00f4ng ch\u1ec9 t\u1ea1o r\u1ee7i ro cho hai b\u00ean m\u00e0 c\u00f2n ti\u1ec1m \u1ea9n r\u1ee7i ro x\u00e3 h\u1ed9i, cho th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7, th\u1eadm ch\u00ed cho ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf n\u1ebfu quy m\u00f4 c\u1ee7a lo\u1ea1i h\u00ecnh n\u00e0y l\u1edbn\u201d – lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.\/.<\/em><\/p>\n

Minh Th\u01b0\/B\u00e1o TNVN<\/p>\n

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

VOV.VN <\/em><\/strong>(Kinh t\u1ebf) <\/em><\/strong>19-8-2018:<\/em><\/strong><\/p>\n

https:\/\/vov.vn\/kinh-te\/can-co-khung-phap-ly-dieu-chinh-mo-hinh-cho-vay-ngang-hang-801805.vov<\/a><\/em><\/p>\n

 <\/p>\n

(303\/1.204)<\/em>","protected":false},"excerpt":{"rendered":"

(VOV.VN) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer – P2P) ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn \u1edf Vi\u1ec7t Nam. Tuy nhi\u00ean, cho vay P2P ti\u1ec1m \u1ea9n kh\u00e1 nhi\u1ec1u r\u1ee7i ro. Ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay \u0111\u1ec1u b\u1ea5t an Cho vay P2P kh\u00e1 ph\u1ed5 bi\u1ebfn \u1edf m\u1ed9t s\u1ed1 n\u01b0\u1edbc ph\u00e1t tri\u1ec3n nh\u01b0: Anh, […]<\/p>\n","protected":false},"author":3,"featured_media":14790,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-14788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.281. 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