{"id":15097,"date":"2018-01-31T09:56:09","date_gmt":"2018-01-31T02:56:09","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15097"},"modified":"2022-03-22T17:04:06","modified_gmt":"2022-03-22T10:04:06","slug":"1-978-day-manh-thanh-toan-khong-dung-tien-mat-gop-phan-minh-bach-hoa-thi-truong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-978-day-manh-thanh-toan-khong-dung-tien-mat-gop-phan-minh-bach-hoa-thi-truong\/","title":{"rendered":"1.978. \u0110\u1ea9y m\u1ea1nh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t: G\u00f3p ph\u1ea7n minh b\u1ea1ch h\u00f3a th\u1ecb tr\u01b0\u1eddng"},"content":{"rendered":"(TBNH) – Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t ph\u1ea3i tr\u1edf th\u00e0nh \u0111i\u1ec1u ki\u1ec7n b\u00e1n h\u00e0ng m\u1edbi h\u1ea1n ch\u1ebf \u201ckinh t\u1ebf ng\u1ea7m\u201d<\/strong><\/p>\n

Thanh to\u00e1n b\u1eb1ng m\u00e3 ph\u1ea3n h\u1ed3i nhanh (QR), m\u1edf r\u1ed9ng c\u00e1c g\u00f3i vay cho h\u1ed9 kinh doanh v\u00e0 tri\u1ec3n khai ng\u00e0y c\u00e0ng nhi\u1ec1u c\u00e1c \u0111i\u1ec3m ng\u00e2n h\u00e0ng l\u01b0u \u0111\u1ed9ng\u2026 l\u00e0 nh\u1eefng c\u00e1ch m\u00e0 c\u00e1c NHTM \u0111ang g\u00f3p s\u1ee9c \u0111\u1ec3 minh b\u1ea1ch h\u00f3a n\u1ec1n kinh t\u1ebf phi ch\u00ednh th\u1ee9c.<\/p>\n

Gi\u00e1 tr\u1ecb \u201ckinh t\u1ebf ng\u1ea7m\u201d r\u1ea5t l\u1edbn<\/strong><\/p>\n

S\u1ef1 vi\u1ec7c C\u1ee5c Thu\u1ebf TP.HCM m\u1edbi \u0111\u00e2y c\u01b0\u1ee1ng ch\u1ebf thu h\u1ed3i h\u01a1n 53,3 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n n\u1ee3 thu\u1ebf c\u1ee7a C\u00f4ng ty TNHH Uber, trong \u0111\u00f3 c\u00f3 g\u1ea7n 41 t\u1ef7 \u0111\u1ed3ng l\u00e0 s\u1ed1 ti\u1ec1n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (VAT) v\u00e0 thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n c\u1ee7a c\u00e1c t\u00e0i x\u1ebf (xe \u00f4m v\u00e0 taxi) m\u00e0 DN n\u00e0y b\u1eaft bu\u1ed9c ph\u1ea3i n\u1ed9p thay l\u00e0 m\u1ed9t v\u00ed d\u1ee5 r\u1ea5t r\u00f5 \u0111\u1ec3 ch\u1ee9ng minh r\u1eb1ng doanh thu t\u1eeb c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf phi ch\u00ednh th\u1ee9c \u0111ang v\u00f4 c\u00f9ng l\u1edbn.<\/p>\n

B\u1edfi ch\u1ec9 v\u1edbi tr\u00ean 10.000 t\u00e0i x\u1ebf Uber t\u1ea1i th\u1ecb tr\u01b0\u1eddng TP.HCM doanh thu h\u00e0ng ng\u00e0y \u0111\u00e3 l\u00ean t\u1edbi h\u00e0ng t\u1ef7 \u0111\u1ed3ng. Trong khi \u0111\u00f3 theo s\u1ed1 li\u1ec7u c\u1ee7a T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea hi\u1ec7n nay tr\u00ean c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng 5,1 tri\u1ec7u c\u01a1 s\u1edf s\u1ea3n xu\u1ea5t kinh doanh c\u00e1 th\u1ec3 phi n\u00f4ng nghi\u1ec7p, 77% trong s\u1ed1 n\u00e0y ho\u1ea1t \u0111\u1ed9ng c\u00e1c d\u1ecbch v\u1ee5 xe \u00f4m, xe ba g\u00e1c t\u1ef1 do, b\u00e1n h\u00e0ng rong, bia h\u01a1i v\u1ec9a h\u00e8 v\u00e0 b\u00e1n l\u1ebb h\u00e0ng h\u00f3a \u1edf c\u00e1c ch\u1ee3 c\u00f3c\u2026 N\u1ebfu t\u1ea5t c\u1ea3 s\u1ed1 lao \u0111\u1ed9ng n\u00e0y \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd kinh doanh v\u00e0 th\u1ed1ng k\u00ea doanh thu th\u00ec r\u00f5 r\u00e0ng gi\u00e1 tr\u1ecb kinh t\u1ebf c\u1ee7a b\u1ed9 ph\u1eadn \u201ckinh t\u1ebf v\u1ec9a h\u00e8\u201d n\u00e0y l\u00e0 kh\u00f4ng h\u1ec1 nh\u1ecf.<\/p>\n

Ngo\u00e0i c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf t\u1ef1 do nh\u01b0 k\u1ec3 tr\u00ean, LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (C\u00f4ng ty Lu\u1eadt ANVI) cho r\u1eb1ng, hi\u1ec7n nay th\u00e0nh ph\u1ea7n kinh t\u1ebf h\u1ed9 kinh doanh t\u1ea1i Vi\u1ec7t Nam c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng th\u00e0nh ph\u1ea7n kinh t\u1ebf \u1ea9n ch\u1ee9a nhi\u1ec1u y\u1ebfu t\u1ed1 \u201cng\u1ea7m\u201d c\u1ea3 v\u1ec1 doanh thu v\u00e0 l\u1ee3i nhu\u1eadn.<\/em><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t ph\u1ea3i tr\u1edf th\u00e0nh \u0111i\u1ec1u ki\u1ec7n b\u00e1n h\u00e0ng m\u1edbi h\u1ea1n ch\u1ebf \u201ckinh t\u1ebf ng\u1ea7m\u201d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo LS. \u0110\u1ee9c, hi\u1ec7n nay t\u1ef7 l\u1ec7 \u0111\u00f3ng g\u00f3p c\u1ee7a th\u00e0nh ph\u1ea7n kinh t\u1ebf h\u1ed9 kinh doanh trong c\u01a1 c\u1ea5u c\u1ee7a n\u1ec1n kinh t\u1ebf \u1edf m\u1ee9c v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m. Tuy nhi\u00ean, do c\u00e1c quy \u0111\u1ecbnh qu\u1ea3n l\u00fd, ki\u1ec3m so\u00e1t \u0111\u1ed1i v\u1edbi nh\u00f3m th\u00e0nh ph\u1ea7n kinh t\u1ebf n\u00e0y kh\u00f4ng tu\u00e2n theo m\u1ed9t chu\u1ea9n m\u1ef1c c\u1ee5 th\u1ec3 n\u00e0o. V\u00ec v\u1eady s\u1ef1 kh\u00f4ng minh b\u1ea1ch trong ngu\u1ed3n ti\u1ec1n thu \u2013 chi v\u1eabn \u0111ang r\u1ea5t ph\u1ed5 bi\u1ebfn v\u00e0 c\u00e1c vi ph\u1ea1m trong kinh doanh nh\u01b0 tr\u1ed1n thu\u1ebf, n\u00e9 thu\u1ebf, gian l\u1eadn doanh thu, h\u1ed1i l\u1ed9\u2026 \u1edf kh\u1ed1i kinh t\u1ebf n\u00e0y lu\u00f4n chi\u1ebfm t\u1ef7 l\u1ec7 cao nh\u1ea5t.<\/em><\/p>\n

Trong m\u1ed9t th\u1ed1ng k\u00ea \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 m\u1edbi \u0111\u00e2y c\u1ee7a \u0110\u1ea1i h\u1ecdc Fulbright Vi\u1ec7t Nam, hi\u1ec7n nay 57% l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng x\u00e3 h\u1ed9i c\u1ee7a c\u1ea3 n\u01b0\u1edbc ho\u1ea1t \u0111\u1ed9ng trong c\u00e1c l\u0129nh v\u1ef1c phi ch\u00ednh th\u1ee9c. M\u1ee9c n\u00e0y m\u1eb7c d\u00f9 gi\u1ea3m nh\u1eb9 so v\u1edbi c\u00e1c n\u0103m tr\u01b0\u1edbc, tuy nhi\u00ean n\u1ebfu ph\u00e2n ra gi\u00e1 tr\u1ecb s\u1ea3n xu\u1ea5t, khu v\u1ef1c kinh t\u1ebf n\u00e0y v\u1eabn t\u1ea1o ra kho\u1ea3ng 20-30% GDP cho n\u1ec1n kinh t\u1ebf.<\/p>\n

Ng\u00e2n h\u00e0ng ch\u1ee7 \u0111\u1ed9ng th\u00e2m nh\u1eadp<\/strong><\/p>\n

Th\u1ef1c t\u1ebf, kh\u00f4ng ph\u1ea3i \u0111\u1ee3i \u0111\u1ebfn khi c\u00f3 c\u00e1c s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea v\u1ec1 gi\u00e1 tr\u1ecb s\u1ea3n xu\u1ea5t \u1edf khu v\u1ef1c kinh t\u1ebf phi ch\u00ednh th\u1ee9c m\u00e0 trong nhi\u1ec1u n\u0103m qua, v\u1edbi vai tr\u00f2 cung \u1ee9ng v\u1ed1n h\u1ec7 th\u1ed1ng c\u00e1c TCTD t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 kh\u00e1 ch\u1ee7 \u0111\u1ed9ng trong vi\u1ec7c khai th\u00e1c nh\u1eefng m\u1ea3nh \u0111\u1ea5t m\u00e0u m\u1ee1 t\u1ea1i c\u00e1c m\u1ea3ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Quan s\u00e1t cho th\u1ea5y, trong n\u0103m 2017 h\u00e0ng ch\u1ee5c NHTM \u0111\u00e3 \u00e1p d\u1ee5ng c\u00e1c g\u00f3i t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i d\u00e0nh cho kh\u00e1ch h\u00e0ng h\u1ed9 kinh doanh. Ch\u1eb3ng h\u1ea1n, c\u00e1c g\u00f3i t\u00edn d\u1ee5ng 3.000 t\u1ef7 \u0111\u1ed3ng c\u1ee7a DongABank, Sacombank v\u00e0 OCB \u0111\u1ec1u \u00e1p d\u1ee5ng \u0111\u1ed3ng lo\u1ea1t m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb 5,5%\/n\u0103m ho\u1eb7c 6%\/n\u0103m. C\u00e1c NHTM kh\u00e1c nh\u01b0 BIDV, VietinBank, ABBank, TPBank\u2026 c\u0169ng \u0111\u1ec1u cho vay l\u00e3i su\u1ea5t t\u1eeb 6,5-7%\/n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ed9 kinh doanh v\u00e0 cam k\u1ebft th\u1eddi gian gi\u1ea3i ng\u00e2n nhanh trong v\u00f2ng 2-3 ng\u00e0y.<\/p>\n\n\n\n
\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00e1c th\u1ed1ng k\u00ea \u0111\u1ebfn cu\u1ed1i 2017 cho th\u1ea5y t\u1ef7 l\u1ec7 cho vay v\u00e0o nh\u00f3m h\u1ed9 kinh doanh \u1edf nhi\u1ec1u NHTM \u0111\u1ec1u c\u00f3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh. Ri\u00eang Agribank \u0111\u00e3 cho vay g\u1ea7n 500 ng\u00e0n t\u1ef7 \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi tr\u00ean 4 tri\u1ec7u kh\u00e1ch h\u00e0ng h\u1ed9 s\u1ea3n xu\u1ea5t \u2013 kinh doanh \u1edf l\u0129nh v\u1ef1c n\u00f4ng nghi\u1ec7p \u2013 n\u00f4ng th\u00f4n. Trong khi \u0111\u00f3, Vietcombank c\u0169ng cho vay kho\u1ea3ng 46% t\u1ed5ng d\u01b0 n\u1ee3 \u0111\u1ed1i v\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng h\u1ed9 kinh doanh c\u00e1 th\u1ec3. C\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c nh\u01b0 VPBank, VIB, MB, HDBank t\u1ef7 l\u1ec7 cho vay h\u1ed9 kinh doanh, th\u1ec3 nh\u00e2n c\u0169ng \u1edf m\u1ee9c t\u1eeb 50-70% t\u1ed5ng d\u01b0 n\u1ee3.<\/p>\n

Ngo\u00e0i vi\u1ec7c chuy\u1ec3n h\u01b0\u1edbng th\u00e2m nh\u1eadp m\u1ea1nh v\u00e0o kh\u1ed1i kh\u00e1ch h\u00e0ng h\u1ed9 kinh doanh th\u00ec trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, vi\u1ec7c c\u00e1c NHTM \u0111\u1ea9y m\u1ea1nh ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n qua th\u1ebb v\u00e0 c\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng (bao g\u1ed3m c\u1ea3 vi\u1ec7c li\u00ean k\u1ebft v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb trung gian thanh to\u00e1n) c\u0169ng khi\u1ebfn cho c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf phi ch\u00ednh th\u1ee9c b\u1eaft \u0111\u1ea7u \u201cn\u1ed5i\u201d l\u00ean kh\u00e1 r\u00f5 r\u00e0ng.<\/p>\n

Th\u1ed1ng k\u00ea c\u1ee7a NHNN cho th\u1ea5y, t\u1ef7 l\u1ec7 r\u00fat ti\u1ec1n m\u1eb7t n\u0103m 2017 gi\u1ea3m 5% so v\u1edbi m\u1ee9c 15% c\u1ee7a n\u0103m 2016. Giao d\u1ecbch thanh to\u00e1n qua Internet t\u0103ng tr\u01b0\u1edfng 81%, thanh to\u00e1n qua mobile t\u0103ng g\u1ea7n 70%. V\u00e0 ch\u1ec9 sau 2 n\u0103m c\u00e1c NHTM \u00e1p d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n th\u00f4ng qua m\u00e3 QR, hi\u1ec7n nay \u0111\u00e3 c\u00f3 h\u00e0ng ch\u1ee5c ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 n\u00e0y \u0111\u1ec3 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. \u0110i\u1ec1u n\u00e0y ch\u1ee9ng t\u1ecf c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u00e3 b\u1eaft \u0111\u1ea7u lan t\u1ecfa kh\u00e1 l\u1edbn trong th\u1ecb tr\u01b0\u1eddng v\u00e0 len l\u1ecfi v\u00e0o c\u00e1c khu v\u1ef1c c\u1ee7a kinh t\u1ebf phi ch\u00ednh th\u1ee9c th\u00f4ng qua giao d\u1ecbch ti\u00eau d\u00f9ng c\u1ee7a nh\u00f3m kh\u00e1ch h\u00e0ng tr\u1ebb tu\u1ed5i.<\/p>\n

M\u1ed9t bi\u1ec3u hi\u1ec7n kh\u00e1c c\u0169ng cho th\u1ea5y, hi\u1ec7n nay c\u00e1c NHTM \u0111ang r\u1ea5t ch\u1ee7 \u0111\u1ed9ng trong vi\u1ec7c ch\u00ednh th\u1ee9c h\u00f3a kh\u1ed1i \u201ckinh t\u1ebf ng\u1ea7m\u201d \u0111\u00f3 l\u00e0 h\u1ea1n ch\u1ebf s\u1ef1 b\u00e0nh tr\u01b0\u1edbng c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c.<\/p>\n

Ghi nh\u1eadn cho th\u1ea5y, th\u1eddi gian v\u1eeba qua Agribank \u0111\u00e3 tri\u1ec3n khai h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng di \u0111\u1ed9ng tr\u00ean \u00f4 t\u00f4 t\u1ea1i c\u00e1c t\u1ec9nh Thanh H\u00f3a, Qu\u1ea3ng Ng\u00e3i v\u00e0 \u0110\u1ed3ng Nai \u0111\u1ec3 len l\u1ecfi v\u00e0o c\u00e1c \u0111\u1ecba b\u00e0n v\u00f9ng s\u00e2u v\u00f9ng xa. Trong khi \u0111\u00f3, LienVietPostBank c\u0169ng \u0111\u00e3 \u00e1p d\u1ee5ng s\u1ea3n ph\u1ea9m v\u00ed \u0111i\u1ec7n t\u1eed V\u00ed Vi\u1ec7t \u0111\u1ec3 ph\u1ee5c v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u1edf khu v\u1ef1c n\u00f4ng th\u00f4n. \u0110i\u1ec1u n\u00e0y, r\u00f5 r\u00e0ng t\u1ea1o ra nhi\u1ec1u c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn, s\u1eed d\u1ee5ng c\u00e1c k\u00eanh t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c, thay v\u00ec ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng \u0111en, cho vay n\u1eb7ng l\u00e3i v\u1ed1n ph\u1ed5 bi\u1ebfn \u1edf c\u00e1c khu v\u1ef1c n\u00f4ng th\u00f4n, v\u00f9ng s\u00e2u, v\u00f9ng xa.<\/p>\n

Th\u1ea1ch B\u00ecnh<\/strong><\/p>\n

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

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (Th\u1ef1c ti\u1ec5n) 31-01-2018:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/day-manh-thanh-toan-khong-dung-tien-mat-gop-phan-minh-bach-hoa-thi-truong-72628.html<\/a><\/em><\/p>\n

(157\/1.164)<\/em>","protected":false},"excerpt":{"rendered":"

(TBNH) – Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t ph\u1ea3i tr\u1edf th\u00e0nh \u0111i\u1ec1u ki\u1ec7n b\u00e1n h\u00e0ng m\u1edbi h\u1ea1n ch\u1ebf \u201ckinh t\u1ebf ng\u1ea7m\u201d Thanh to\u00e1n b\u1eb1ng m\u00e3 ph\u1ea3n h\u1ed3i nhanh (QR), m\u1edf r\u1ed9ng c\u00e1c g\u00f3i vay cho h\u1ed9 kinh doanh v\u00e0 tri\u1ec3n khai ng\u00e0y c\u00e0ng nhi\u1ec1u c\u00e1c \u0111i\u1ec3m ng\u00e2n h\u00e0ng l\u01b0u \u0111\u1ed9ng\u2026 l\u00e0 nh\u1eefng c\u00e1ch m\u00e0 c\u00e1c […]<\/p>\n","protected":false},"author":1,"featured_media":15099,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-15097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.978. \u0110\u1ea9y m\u1ea1nh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t: G\u00f3p ph\u1ea7n minh b\u1ea1ch h\u00f3a th\u1ecb tr\u01b0\u1eddng - 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