{"id":15477,"date":"2017-09-26T11:21:11","date_gmt":"2017-09-26T04:21:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15477"},"modified":"2022-03-23T11:26:10","modified_gmt":"2022-03-23T04:26:10","slug":"1-825-hieu-dung-ve-tai-chinh-tieu-dung-de-thuc-day-su-phat-trien-kinh-te-xa-hoi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-825-hieu-dung-ve-tai-chinh-tieu-dung-de-thuc-day-su-phat-trien-kinh-te-xa-hoi\/","title":{"rendered":"1.825. \u201cHi\u1ec3u \u0111\u00fang v\u1ec1 T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i\u201d."},"content":{"rendered":"

(CFF) – Bu\u1ed5i giao l\u01b0u s\u1ebd \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u1eeb 14h00 \u0111\u1ebfn 16h00 ng\u00e0y 27\/9\/2017 v\u1edbi s\u1ef1 tham gia tr\u1ea3 l\u1eddi c\u1ee7a c\u00e1c di\u1ec5n gi\u1ea3: TS. C\u1ea5n V\u0103n L\u1ef1c – chuy\u00ean gia kinh t\u1ebf t\u00e0i ch\u00ednh; TS \u0110\u1ed7 Ho\u00e0i Linh, Vi\u1ec7n Ng\u00e2n h\u00e0ng T\u00e0i ch\u00ednh \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI; \u0110\u1ea1i di\u1ec7n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 \u0110\u1ea1i di\u1ec7n c\u00f4ng ty t\u00e0i ch\u00ednh Fe Credit.<\/strong><\/p>\n

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T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang tr\u1edf th\u00e0nh thu\u1eadt ng\u1eef kh\u00e1 ph\u1ed5 bi\u1ebfn trong ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng. M\u1ea3ng kinh doanh n\u00e0y c\u0169ng \u0111\u00e3 \u0111em l\u1ea1i nh\u1eefng th\u00e0nh c\u00f4ng b\u01b0\u1edbc \u0111\u1ea7u nh\u01b0ng v\u00f4 c\u00f9ng l\u1eebng l\u1eaby cho m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng, v\u1edbi \u0111i\u1ec3n h\u00ecnh nh\u1ea5t l\u00e0 VPBank. Nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c \u0111ang nh\u1eafm \u0111\u1ebfn t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng nh\u01b0 l\u00e0 m\u1ed9t trong nh\u1eefng chi\u1ebfn l\u01b0\u1ee3c quan kinh doanh tr\u1ecdng nh\u1ea5t.<\/p>\n

T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng h\u01b0\u1edbng \u0111\u1ebfn c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u201cd\u01b0\u1edbi chu\u1ea9n\u201d c\u1ee7a ng\u00e2n h\u00e0ng, t\u1ee9c nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh th\u1ea5p, thu nh\u1eadp kh\u00f4ng \u1ed5n \u0111\u1ecbnh, th\u1eadm ch\u00ed l\u00e0 sinh vi\u00ean mu\u1ed1n vay v\u1ed1n nh\u01b0ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. Theo th\u1ed1ng k\u00ea, l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng m\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ee5c v\u1ee5 nhi\u1ec1u h\u01a1n c\u1ea3 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng, nh\u01b0ng v\u00ec kho\u1ea3n vay ch\u1ec9 r\u1ea5t nh\u1ecf, b\u00ecnh qu\u00e2n l\u00e0 4-6 tri\u1ec7u \u0111\u1ed3ng\/m\u00f3n n\u00ean t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh m\u1edbi ch\u1ec9 kho\u1ea3ng 50 \u2013 70 ngh\u00ecn t\u1ef7, t\u1ee9c b\u1eb1ng 0,01% t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a to\u00e0n n\u1ec1n kinh t\u1ebf.<\/p>\n

Kh\u00f4ng nh\u1eefng v\u1eady, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f2n t\u1ea1o c\u00f4ng \u0103n vi\u1ec7c l\u00e0m cho h\u00e0ng ch\u1ee5c ngh\u00ecn lao \u0111\u1ed9ng, \u0111\u00f3ng g\u00f3p ph\u1ea7n kh\u00f4ng nh\u1ecf v\u00e0o t\u0103ng tr\u01b0\u1edfng n\u1ec1n kinh t\u1ebf.<\/p>\n

Tuy nhi\u00ean t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1eabn c\u00f2n m\u1edbi m\u1ebb v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n v\u00e0 ch\u01b0a th\u1ef1c s\u1ef1 thu h\u00fat \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m \u0111\u00fang m\u1ef1c c\u1ee7a x\u00e3 h\u1ed9i. \u0110\u00e2u \u0111\u00f3 v\u1eabn c\u00f2n nh\u1eefng \u00e1nh nh\u00ecn thi\u1ebfu thi\u1ec7n c\u1ea3m v\u1edbi t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, th\u1eadm ch\u00ed nhi\u1ec1u ng\u01b0\u1eddi c\u00f2n \u0111\u00e1nh \u0111\u1ed3ng v\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 hay t\u00edn d\u1ee5ng \u0111en.<\/p>\n

\u0110\u1ec3 g\u00f3p ph\u1ea7n gi\u00fap ng\u01b0\u1eddi d\u00e2n v\u00e0 x\u00e3 h\u1ed9i nh\u00ecn nh\u1eadn \u0111\u00fang h\u01a1n v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, qua \u0111\u00f3 th\u00fac \u0111\u1ea9y ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n, K\u00eanh th\u00f4ng tin t\u00e0i ch\u00ednh kinh t\u1ebf CafeF ph\u1ed1i h\u1ee3p v\u1edbi B\u00e1o \u0111i\u1ec7n t\u1eed Tr\u00ed th\u1ee9c tr\u1ebb t\u1ed5 ch\u1ee9c bu\u1ed5i giao l\u01b0u tr\u1ef1c tuy\u1ebfn v\u1edbi ch\u1ee7 \u0111\u1ec1:\u00a0Hi\u1ec3u \u0111\u00fang v\u1ec1 T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf- x\u00e3 h\u1ed9i<\/strong><\/p>\n

Bu\u1ed5i giao l\u01b0u s\u1ebd \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u1eeb 14h00 \u0111\u1ebfn 16h00 ng\u00e0y 27\/9\/2017.<\/p>\n

Tham gia bu\u1ed5i giao l\u01b0u c\u00f3 c\u00e1c di\u1ec5n gi\u1ea3:\u00a0TS. C\u1ea5n V\u0103n L\u1ef1c,<\/strong>\u00a0chuy\u00ean gia kinh t\u1ebf t\u00e0i ch\u00ednh\u00a0TS. \u0110\u1ed7 Ho\u00e0i Linh<\/strong>, Vi\u1ec7n Ng\u00e2n h\u00e0ng T\u00e0i ch\u00ednh \u2013 \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n;\u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI;\u00a0\u0110\u1ea1i di\u1ec7n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc;<\/strong>\u00a0v\u00e0\u00a0\u0110\u1ea1i di\u1ec7n c\u00f4ng ty t\u00e0i ch\u00ednh<\/strong>\u00a0Fe Credit \u2013 \u0111\u01a1n v\u1ecb \u0111ang n\u1eafm h\u01a1n 50% th\u1ecb ph\u1ea7n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam.<\/p>\n

———————<\/p>\n

C\u00e2u h\u1ecfi g\u1eedi Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/p>\n

T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t!<\/strong><\/p>\n

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  1. C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ho\u1ea1t \u0111\u1ed9ng theo c\u01a1 s\u1edf ph\u00e1p l\u00fd n\u00e0o?<\/em><\/li>\n<\/ol>\n

    C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ho\u1ea1t \u0111\u1ed9ng tr\u00ean c\u01a1 s\u1edf Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 39\/2014\/N\u0110-CP ng\u00e0y 07-5-2014 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cHo\u1ea1t \u0111\u1ed9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 C\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh\u201d v\u00e0 cho vay theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cQuy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh\u201d.<\/p>\n

    Ngo\u00e0i ra, vi\u1ec7c cho vay c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f2n ph\u1ea3i tu\u00e2n theo Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cquy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, Chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d v\u00e0 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan kh\u00e1c.<\/p>\n

    V\u1ec1 T\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng n\u00f3i chung c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u00ec theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015,\u2026<\/p>\n

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    1. C\u00e1c l\u0129nh v\u1ef1c, d\u1ecbch v\u1ee5 m\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c tri\u1ec3n khai?<\/em><\/li>\n<\/ol>\n

      C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng theo 3 l\u0129nh v\u1ef1c, d\u1ecbch v\u1ee5 l\u00e0: Nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c (g\u1ed3m c\u1ea3 ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, k\u1ef3 phi\u1ebfu, t\u00edn phi\u1ebfu, tr\u00e1i phi\u1ebfu \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a t\u1ed5 ch\u1ee9c; vay v\u1ed1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i); chi\u1ebft kh\u1ea5u, t\u00e1i chi\u1ebft kh\u1ea5u c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng, c\u00e1c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c; v\u00e0 cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng (g\u1ed3m c\u1ea3 cho vay tr\u1ea3 g\u00f3p, ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng th\u00f4ng qua nghi\u1ec7p v\u1ee5 ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay kh\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt).<\/p>\n

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      1. C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cho vay v\u1edbi l\u00e3i su\u1ea5t r\u1ea5t cao, g\u1ea5p 3-4 l\u1ea7n ng\u00e2n h\u00e0ng, vi\u1ec7c n\u00e0y c\u00f3 vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t kh\u00f4ng? <\/em>H\u1ecd x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay tr\u00ean c\u01a1 s\u1edf n\u00e0o?<\/em><\/li>\n<\/ol>\n

        N\u1ebfu hi\u1ec3u ch\u1eb7t theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, th\u00ec l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 20%\/n\u0103m. Tuy nhi\u00ean, nh\u1eefng n\u0103m qua c\u0169ng nh\u01b0 t\u1ea1i th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay, th\u00ec \u0111ang \u0111\u01b0\u1ee3c hi\u1ec3u r\u1eb1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, trong \u0111\u00f3 c\u00f3 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u0111\u01b0\u1ee3c ph\u00e9p cho vay theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn m\u00e0 kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n m\u1ee9c tr\u1ea7n 20%\/n\u0103m.<\/p>\n

        Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, \u0110i\u1ec1u 9 v\u1ec1 \u201cL\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng\u201d, Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN th\u00ec C\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i d\u1ef1a v\u00e0o c\u1ee5 th\u1ec3 c\u00e1c y\u1ebfu t\u1ed1, nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n x\u00e1c \u0111\u1ecbnh khung l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng (l\u00e3i su\u1ea5t cao nh\u1ea5t v\u00e0 th\u1ea5p nh\u1ea5t \u0111\u1ed1i v\u1edbi t\u1eebng s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng), c\u00e1c y\u1ebfu t\u1ed1 v\u1ec1 chi ph\u00ed v\u1ed1n, chi ph\u00ed r\u1ee7i ro, l\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n, l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng v\u00e0 b\u1ea3o \u0111\u1ea3m b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c c\u00e1c chi ph\u00ed, r\u1ee7i ro li\u00ean quan, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

          \n
        1. C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng \u0111\u1ec3 cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng kh\u00f4ng ch\u1ec9 c\u1ea7n c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd b\u1ea3o v\u1ec7 c\u00e1c TCTD m\u00e0 c\u00f2n ph\u1ea3i \u0111\u1eb7t y\u00eau c\u1ea7u b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111i vay tr\u01b0\u1edbc nguy c\u01a1 v\u1ee1 n\u1ee3 l\u00ean cao, theo \u00f4ng th\u00ec sao?<\/em><\/li>\n<\/ol>\n

          \u00dd ki\u1ebfn \u0111\u00f3 c\u0169ng ho\u00e0n to\u00e0n h\u1ee3p l\u00fd, c\u1ea7n ph\u1ea3i xem x\u00e9t. N\u1ebfu nh\u01b0 l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 \u0111i\u1ec1u ki\u1ec7n tr\u1ea3 n\u1ee3 kh\u00f4ng kh\u1ea3 thi, th\u00ec s\u1ebd d\u1eabn \u0111\u1ebfn nh\u1eefng kh\u00f3 kh\u0103n, thi\u1ec7t th\u00f2i cho ng\u01b0\u1eddi \u0111i vay, l\u00e0m cho h\u1ecd r\u1ea5t kh\u00f3 tr\u1ea3 n\u1ee3 v\u00e0 d\u1ec5 b\u1ecb r\u01a1i v\u00e0o t\u00ecnh th\u1ebf bi \u0111\u00e1t, v\u1ee1 n\u1ee3. V\u00e0 n\u1ebfu nh\u01b0 c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi \u0111i vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, th\u00ec c\u0169ng s\u1ebd d\u1eabn \u0111\u1ebfn nguy c\u01a1 m\u1ea5t an to\u00e0n cho ch\u00ednh c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng.<\/p>\n

            \n
          1. L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng cao h\u01a1n nhi\u1ec1u l\u00e3i vay NH l\u00e0 hi\u1ec3n nhi\u00ean nh\u01b0ng l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u1ea3m \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay?\u00a0<\/em><\/li>\n<\/ol>\n

            L\u00e3i su\u1ea5t l\u00e0 k\u1ebft qu\u1ea3 t\u01b0\u01a1ng \u0111\u1ed1i m\u1eb7c \u0111\u1ecbnh c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng, trong \u0111\u00f3 c\u00f3 v\u1ea5n \u0111\u1ec1 cung c\u1ea7u. V\u00ec v\u1eady, mu\u1ed1n gi\u1ea3m l\u00e3i su\u1ea5t th\u00ec ph\u1ea3i d\u1ef1a v\u00e0o th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, \u00edt r\u1ee7i ro. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o r\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1 v\u00e0 c\u00f3 t\u00ednh ch\u1ea5t l\u00e2u d\u00e0i.<\/p>\n

            C\u00f2n v\u1edbi t\u1ea7m nh\u00ecn ng\u1eafn h\u01a1n, th\u00ec c\u1ea7n cho m\u1edf ra, cho nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh tham gia th\u1ecb tr\u01b0\u1eddng n\u00e0y, \u0111\u1ed3ng th\u1eddi t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u1ea9y m\u1ea1nh vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n v\u00e0 t\u0103ng tr\u01b0\u1edfng cho vay. Quan tr\u1ecdng nh\u1ea5t l\u00e0 t\u0103ng ngu\u1ed3n cung c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 t\u0103ng c\u01b0\u1eddng s\u1ef1 c\u1ea1nh tranh th\u00ec l\u00e3i su\u1ea5t s\u1ebd gi\u1ea3m xu\u1ed1ng m\u1ee9c h\u1ee3p l\u00fd nh\u1ea5t.<\/p>\n

              \n
            1. Ngo\u00e0i \u0111\u01b0\u1eddng c\u00f3 r\u1ea5t nhi\u1ec1u c\u00e1c t\u1edd r\u01a1i qu\u1ea3ng c\u00e1o t\u00edn d\u1ee5ng \u0111en d\u00e1n kh\u1eafp n\u01a1i m\u00e0 kh\u00f4ng th\u1ea5y ai gi\u00e1m s\u00e1t, x\u1eed l\u00fd. Vi\u1ec7c n\u00e0y theo \u00f4ng thu\u1ed9c v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a ai?<\/em><\/li>\n<\/ol>\n

              C\u00e1c t\u1edd r\u01a1i qu\u1ea3ng c\u00e1o \u0111\u00f3 c\u00f3 th\u1ec3 ch\u1ec9 l\u00e0 ho\u1ea1t \u0111\u1ed9ng m\u00f4i gi\u1edbi d\u1eabn \u0111\u1ebfn c\u00e1c \u0111\u1ecba ch\u1ec9 cho vay l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1eb7c d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 h\u1ee3p ph\u00e1p, nh\u01b0ng r\u1ea5t c\u00f3 th\u1ec3 l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, t\u1ee9c l\u00e0 t\u00edn d\u1ee5ng \u0111en.<\/p>\n

              \u0110\u00fang l\u00e0 hi\u1ec7n nay quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 tr\u00e1ch nhi\u1ec7m n\u00e0y thu\u1ed9c v\u1ec1 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, ng\u00e0nh C\u00f4ng th\u01b0\u01a1ng hay C\u00f4ng an. Theo t\u00f4i, n\u1ed9i dung c\u1ee7a vi\u1ec7c ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y n\u00ean thu\u1ed9c v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd th\u1ecb tr\u01b0\u1eddng c\u1ee7a ng\u00e0nh C\u00f4ng th\u01b0\u01a1ng, v\u00ec \u0111\u00f3 ch\u00ednh l\u00e0 m\u1ed9t d\u1ea1ng ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

                \n
              1. C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng n\u1ebfu \u0111i\u1ec1u ki\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u01b0\u1ee3c th\u00f4ng tho\u00e1ng h\u01a1n, m\u1edf r\u1ed9ng \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 ngu\u1ed3n v\u1ed1n \u0111\u1ea7u v\u00e0o c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u1ea5p h\u01a1n th\u00ec l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng s\u1ebd t\u1ef1 d\u1ea7n \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 m\u1ee9c h\u1ee3p l\u00fd. \u00dd ki\u1ebfn c\u1ee7a \u00f4ng th\u1ebf n\u00e0o?<\/em><\/li>\n<\/ol>\n

                \u0110\u1ea5y ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t. Cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng kinh doanh mang \u0111\u1eadm t\u00ednh th\u1ecb tr\u01b0\u1eddng, n\u00ean c\u1ea7n ph\u1ea3i \u0111i\u1ec3u ch\u1ec9nh b\u1eb1ng c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng. Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u00edt \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 an to\u00e0n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, ti\u00ean t\u1ec7, v\u00ec v\u1eady c\u1ea7n \u0111\u01b0\u1ee3c n\u1edbi l\u1ecfng h\u01a1n, nh\u1ea5t l\u00e0 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf, ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u1ee7a c\u00f4ng ch\u00fang.<\/p>\n

                  \n
                1. Theo \u00f4ng c\u00f3 n\u00ean \u0111\u1ec3 l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng t\u1ef1 do, th\u1ea3 n\u1ed5i theo nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng hay \u00e1p tr\u1ea7n?<\/em><\/li>\n<\/ol>\n

                  N\u1ebfu th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng th\u1ef1c s\u1ef1 ph\u00e1t tri\u1ec3n v\u00e0 c\u00f3 t\u00ednh c\u1ea1nh tranh cao, th\u00ec ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n thi\u1ebft \u0111\u1eb7t ra tr\u1ea7n l\u00e3i su\u1ea5t. Nh\u01b0ng v\u1edbi nh\u1eefng g\u00ec \u0111ang di\u1ec5n ra trong th\u1eddi gian v\u1eeba qua, theo t\u00f4i, c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t t\u1ed1i \u0111a. Trong quan h\u1ec7 d\u00e2n s\u1ef1, kinh t\u1ebf \u0111\u00e3 \u1ea5n \u0111\u1ecbnh m\u1ee9c kh\u00f4ng qu\u00e1 20%\/n\u0103m, th\u00ec trong l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng, ch\u1eb3ng c\u00f3 l\u00fd do g\u00ec v\u01b0\u1ee3t qu\u00e1 nhi\u1ec1u. M\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi cho vay ti\u00eau d\u00f9ng t\u1ed1i \u0111a ch\u1ec9 n\u00ean l\u00e0 30%, c\u00f9ng l\u1eafm l\u00e0 40%\/n\u0103m, thay v\u00ec 50%, th\u1eadm ch\u1ec9 cao h\u01a1n nh\u01b0 l\u00e2u nay.<\/p>\n

                  T\u1eeb 01-01-2018 t\u1edbi \u0111\u00e2y, n\u1ebfu l\u00e3i su\u1ea5t 100%\/n\u0103m l\u00e0 \u0111\u1ebfn m\u1ee9c ph\u1ea1m t\u1ed9i cho vay l\u00e3i n\u1eb7ng. N\u1ebfu c\u1ee9 ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t cho vay trong h\u1ea1n l\u00ean \u0111\u1ebfn 70%, th\u00ec l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n h\u1ee3p ph\u00e1p s\u1ebd l\u00e0 105%, ch\u01b0a k\u1ec3 l\u1ea1i c\u00f2n \u0111\u01b0\u1ee3c ph\u00e9p t\u00ednh th\u00eam 10% \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u00e3i ch\u1eadm tr\u1ea3.<\/p>\n

                    \n
                  1. \u0110\u1ec3 tr\u00e1nh nh\u1eefng \u0111i\u1ec1u \u0111\u00e1ng ti\u1ebfc x\u1ea3y ra nh\u01b0 b\u1ecb \u00e1p l\u00e3i su\u1ea5t cao ho\u1eb7c b\u1ecb ph\u1ea1t, b\u1ecb v\u1ee1 n\u1ee3, ng\u01b0\u1eddi d\u00e2n c\u1ea7n l\u01b0u \u00fd g\u00ec tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh vay?<\/em><\/li>\n<\/ol>\n

                    Quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u1ea7n t\u00ednh to\u00e1n, c\u00e2n nh\u1eafc kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc khi \u0111i vay. L\u00e3i su\u1ea5t trong h\u1ea1n t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p c\u1ee7a cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay l\u00e0 kho\u1ea3ng 30%, m\u00e0 b\u1ecb qu\u00e1 h\u1ea1n th\u00ec l\u1eadp t\u1ee9c s\u1ebd t\u0103ng l\u00ean 45% th\u00ec s\u1ebd r\u1ea5t kh\u00f3 tr\u1ea3 n\u1ee3.<\/p>\n

                    N\u1ebfu l\u00e3i su\u1ea5t trong h\u1ea1n m\u00e0 \u0111\u00e3 l\u00e0 45 \u2013 50%, th\u00ec c\u00e0ng c\u1ea7n ph\u1ea3i th\u1eadn tr\u1ecdng khi vay c\u00e1c kho\u1ea3n l\u1edbn, th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 d\u00e0i. \u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay nh\u1ecf l\u1ebb, d\u1ec5 d\u00e0ng tr\u1ea3 n\u1ee3 th\u00ec ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t cao.<\/p>\n

                      \n
                    1. V\u1edbi c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay \u0111\u00e3 th\u00f4ng tho\u00e1ng h\u01a1n trong vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u nh\u1edd Ngh\u1ecb quy\u1ebft 42\/2017\/QH14. Nh\u01b0ng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec x\u1eed l\u00fd n\u1ee3 x\u1ea5u th\u1ebf n\u00e0o khi kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o?<\/em><\/li>\n<\/ol>\n

                      C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u01b0\u1eddng cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, v\u00ec v\u1eady kh\u00f4ng bao gi\u1edd tr\u00f4ng ch\u1edd v\u00e0o vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. H\u1ecd ph\u1ea3i t\u00ednh to\u00e1n thu h\u1ed3i v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u b\u1eb1ng c\u00e1ch kh\u00e1c, nh\u01b0 t\u0103ng c\u01b0\u1eddng \u0111\u00f4n \u0111\u1ed1c tr\u1ea3 n\u1ee3 v\u00e0 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro. Ngo\u00e0i ra c\u00f2n ph\u1ea3i thu\u00ea d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 v\u00e0 ph\u1ea3i chi ph\u00ed \u0111\u00e1ng k\u1ec3 cho ho\u1ea1t \u0111\u1ed9ng \u0111\u00f2i n\u1ee3. V\u00e0 \u0111\u00f3 ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng l\u00fd do quan tr\u1ecdng d\u1eabn \u0111\u1ebfn vi\u1ec7c cho vay l\u00e3i su\u1ea5t cao \u0111\u1ec3 b\u00f9 \u0111\u1eafp cho nhi\u1ec1u kho\u1ea3n n\u1ee3 kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c.<\/p>\n

                        \n
                      1. \u00d4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 vai tr\u00f2 c\u1ee7a t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1edbi kinh t\u1ebf v\u00e0 x\u00e3 h\u1ed9i Vi\u1ec7t Nam hi\u1ec7n nay?<\/em><\/li>\n<\/ol>\n

                        T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111ang v\u00e0 s\u1ebd l\u00e0 m\u1ed9t k\u00eanh b\u00e1n h\u00e0ng nhanh ch\u00f3ng, ti\u1ec7n l\u1ee3i, c\u00f3 hi\u1ec7u qu\u1ea3, r\u1ea5t ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf ph\u00e1t tri\u1ec3n hi\u1ec7n \u0111\u1ea1i, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi l\u1ef1c l\u01b0\u1ee3ng tr\u1ebb.<\/p>\n

                        T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u0169ng \u0111ang v\u00e0 s\u1ebd l\u00e0m thay \u0111\u1ed5i quan ni\u1ec7m ng\u00e0n \u0111\u1eddi \u0111\u00e3 \u0103n s\u00e2u v\u00e0o t\u00e2m tr\u00ed c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t Nam l\u00e0 ph\u1ea3i d\u00e0nh d\u1ee5m, ch\u1eaft b\u00f3p, d\u00e8 x\u1ebbn \u0103n ti\u00eau, s\u1ee3 ki\u1ec3u nh\u01b0 \u201c\u0103n tr\u01b0\u1edbc, tr\u1ea3 sau, \u0111au h\u01a1n ho\u1ea1n\u201d. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u00f3 t\u00e1c d\u1ee5ng th\u00fac \u0111\u1ea9y chi ti\u00eau, mua s\u1eafm, t\u1eeb \u0111\u00f3 t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn s\u1ea3n xu\u1ea5t v\u00e0 ti\u00eau th\u1ee5 h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5, ph\u00e1t tri\u1ec3n n\u1ec1n kinh t\u1ebf. Ng\u01b0\u1eddi \u0111i vay s\u1ebd ch\u1ecbu s\u1ee9c \u00e9p tr\u1ea3 n\u1ee3, n\u00ean c\u0169ng n\u0103ng \u0111\u1ed9ng, t\u00edch c\u1ef1c, ch\u1ecbu kh\u00f3 h\u01a1n trong qu\u00e1 tr\u00ecnh l\u00e0m vi\u1ec7c, s\u1ea3n xu\u1ea5t, kinh doanh, trao \u0111\u1ed5i, giao l\u01b0u, t\u1ea1o ra n\u0103ng xu\u1ea5t cao h\u01a1n v\u00e0 nhi\u1ec1u s\u1ea3n ph\u1ea9m h\u01a1n, t\u1ea1o ra s\u1ef1 n\u0103ng \u0111\u1ed9ng c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p>\n

                        V\u00e0 nh\u00ecn chung, k\u1ebft qu\u1ea3 c\u1ea3 tr\u01b0\u1edbc m\u1eaft c\u0169ng nh\u01b0 l\u00e2u d\u00e0i s\u1ebd l\u00e0 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t c\u00f3 \u00fd ngh\u0129a nhi\u1ec1u h\u01a1n \u0111\u1ed1i v\u1edbi l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng tr\u1ebb, c\u00f3 s\u1ee9c kh\u1ecfe, c\u00f3 ki\u1ebfn th\u1ee9c v\u00e0 c\u0169ng c\u00f3 nhi\u1ec1u nhu c\u1ea7u. N\u00f3 c\u00f2n gi\u00e1n ti\u1ebfp h\u1ea1n ch\u1ebf b\u1edbt t\u00ecnh tr\u1ea1ng qu\u00e1 nhi\u1ec1u ng\u01b0\u1eddi \u0111ang sung s\u1ee9c ng\u1ed3i ch\u01a1i, x\u01a1i n\u01b0\u1edbc, bu\u00f4n chuy\u1ec7n, ch\u00e9m gi\u00f3, th\u1eadm ch\u00ed nh\u00e0n c\u01b0 vi b\u1ea5t thi\u1ec7n.<\/p>\n

                          \n
                        1. \u0110\u1ec3 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng nhi\u1ec1u h\u01a1n, theo \u00f4ng ch\u00ednh s\u00e1ch c\u1ea7n c\u00f3 nh\u1eefng h\u1ed7 tr\u1ee3 g\u00ec, \u0111\u1eb7c bi\u1ec7t v\u1ec1 lu\u1eadt?<\/em><\/li>\n<\/ol>\n

                          Theo t\u00f4i, c\u1ea7n ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n theo h\u01b0\u1edbng c\u1ea3i c\u00e1ch m\u1ea1nh m\u1ebd, c\u1edfi m\u1edf, th\u00f4ng tho\u00e1ng Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. Th\u1eadm ch\u1ec9 c\u1ea7n xem x\u00e9t c\u1ea3 kh\u1ea3 n\u0103ng \u0111\u01b0a c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ra kh\u1ecfi lo\u1ea1i h\u00ecnh t\u1ed1 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh l\u1ea1i \u0111\u00fang vai tr\u00f2 c\u1ee7a \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh n\u00e0y.<\/p>\n

                          \u0110\u00e3 \u0111\u1ebfn l\u00fac Kh\u00f4ng ch\u1ec9 coi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0 ti\u00eau d\u00f9ng, m\u00e0 c\u1ea7n ph\u1ea3i coi \u0111\u00f3 c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1eb7c bi\u1ec7t c\u1ee7a t\u00edn d\u1ee5ng h\u01b0\u1edbng t\u1edbi s\u1ea3n xu\u1ea5t, kinh doanh.<\/p>\n<\/div>\n

                          ——————<\/p>\n

                          CafeF (Ng\u00e2n h\u00e0ng) 26-09-2017:<\/b><\/em><\/p>\n

                          https:\/\/cafef.vn\/giao-luu-truc-tuyen-hieu-dung-ve-tai-chinh-tieu-dung-de-thuc-day-su-phat-trien-kinh-te-xa-hoi-20170925140633413.chn<\/p>\n

                          (1.998\/1.998)<\/em>","protected":false},"excerpt":{"rendered":"

                          (CFF) – Bu\u1ed5i giao l\u01b0u s\u1ebd \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u1eeb 14h00 \u0111\u1ebfn 16h00 ng\u00e0y 27\/9\/2017 v\u1edbi s\u1ef1 tham gia tr\u1ea3 l\u1eddi c\u1ee7a c\u00e1c di\u1ec5n gi\u1ea3: TS. C\u1ea5n V\u0103n L\u1ef1c – chuy\u00ean gia kinh t\u1ebf t\u00e0i ch\u00ednh; TS \u0110\u1ed7 Ho\u00e0i Linh, Vi\u1ec7n Ng\u00e2n h\u00e0ng T\u00e0i ch\u00ednh \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n; Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh […]<\/p>\n","protected":false},"author":10,"featured_media":15480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-15477","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.825. \u201cHi\u1ec3u \u0111\u00fang v\u1ec1 T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf - x\u00e3 h\u1ed9i\u201d. - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/1-825-hieu-dung-ve-tai-chinh-tieu-dung-de-thuc-day-su-phat-trien-kinh-te-xa-hoi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.825. \u201cHi\u1ec3u \u0111\u00fang v\u1ec1 T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf - x\u00e3 h\u1ed9i\u201d.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(CFF) – Bu\u1ed5i giao l\u01b0u s\u1ebd \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u1eeb 14h00 \u0111\u1ebfn 16h00 ng\u00e0y 27\/9\/2017 v\u1edbi s\u1ef1 tham gia tr\u1ea3 l\u1eddi c\u1ee7a c\u00e1c di\u1ec5n gi\u1ea3: TS. 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