{"id":15722,"date":"2017-02-16T16:01:19","date_gmt":"2017-02-16T09:01:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15722"},"modified":"2022-03-23T16:02:53","modified_gmt":"2022-03-23T09:02:53","slug":"1-517-chuan-hoa-cho-vay-tieu-dung-chat-truoc-de-tranh-hau-qua-sau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-517-chuan-hoa-cho-vay-tieu-dung-chat-truoc-de-tranh-hau-qua-sau\/","title":{"rendered":"1.517. Chu\u1ea9n h\u00f3a cho vay ti\u00eau d\u00f9ng: Ch\u1eb7t tr\u01b0\u1edbc \u0111\u1ec3 tr\u00e1nh h\u1eadu qu\u1ea3 sau"},"content":{"rendered":"<strong>(KT&amp;DT) &#8211; Quy \u0111\u1ecbnh c\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 \u0111\u01b0\u1ee3c cho vay ti\u00eau d\u00f9ng t\u1ed1i \u0111a 100 tri\u1ec7u \u0111\u1ed3ng, \u0111\u1ed3ng th\u1eddi ph\u1ea3i th\u1ef1c hi\u1ec7n m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh nghi\u00eam ng\u1eb7t v\u1ec1 h\u1ee3p \u0111\u1ed3ng, trao \u0111\u1ed5i v\u1edbi kh\u00e1ch h\u00e0ng theo Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 k\u1ecbp th\u1eddi tr\u01b0\u1edbc di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng s\u00f4i \u0111\u1ed9ng v\u00e0o n\u0103m 2017.<\/strong><\/p>\n<p><strong>H\u1ea1n m\u1ee9c \u0111\u00e3 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u<\/strong><\/p>\n<p>Ch\u1ee7 \u0111\u1ea1i l\u00fd m\u1ed9t c\u1eeda h\u00e0ng xe m\u00e1y t\u1ea1i H\u00e0 \u0110\u00f4ng cho bi\u1ebft, n\u0103m 2016, c\u00f4ng ty anh h\u1ee3p t\u00e1c v\u1edbi 2 &#8211; 3 c\u00f4ng ty t\u00e0i ch\u00ednh l\u1edbn \u0111\u1ec3 t\u00e0i tr\u1ee3 cho c\u00e1c kh\u00e1ch h\u00e0ng mua xe tr\u1ea3 g\u00f3p. N\u1ebfu kh\u00f4ng b\u00e1n h\u00e0ng theo h\u00ecnh th\u1ee9c n\u00e0y, doanh s\u1ed1 ch\u1eafc ch\u1eafn kh\u00f4ng th\u1ec3 c\u1ea1nh tranh v\u1edbi c\u00e1c c\u1eeda h\u00e0ng kh\u00e1c. Tuy nhi\u00ean, vi\u1ec7c cho vay d\u1ea1ng n\u00e0y ch\u01b0a \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd, c\u1ee5 th\u1ec3 l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng, ch\u1ee7 y\u1ebfu l\u00e0 c\u00f3 ch\u1ee9ng minh Nh\u00e2n d\u00e2n b\u1ea3n g\u1ed1c v\u00e0 k\u00fd s\u1ed5 c\u1ee7a \u0111\u1ea1i l\u00fd. Trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 khi\u1ebfu ki\u1ec7n x\u1ea3y ra do ng\u01b0\u1eddi mua kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c ti\u1ec1n ho\u1eb7c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay v\u00e0o c\u00e1c m\u1ee5c \u0111\u00edch kh\u00e1c, h\u1ea7u nh\u01b0 kh\u00f3 c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-15724 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/1517.png\" alt=\"\" width=\"427\" height=\"268\" \/><\/p>\n<table>\n<tbody>\n<tr>\n<td>Kh\u00e1ch h\u00e0nh tham kh\u1ea3o th\u00f4ng tin m\u1eb7t h\u00e0ng c\u00f3 h\u1ed7 tr\u1ee3 tr\u1ea3 g\u00f3p, vay ti\u00eau d\u00f9ng t\u1ea1i h\u1ec7 th\u1ed1ng Th\u1ebf gi\u1edbi Di \u0111\u1ed9ng. \u1ea2nh: Ph\u1ea1m H\u00f9ng<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Vi\u1ec7c b\u00f9ng n\u1ed5 d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u0103m qua c\u0169ng kh\u00f4ng lo\u1ea1i tr\u1eeb c\u00e1c kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n vay ti\u1ec1n kh\u00f4ng nh\u1eb1m m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng m\u00e0 \u0111\u1ec3 \u0111\u1ea7u t\u01b0 kinh doanh\u2026 Ki\u1ec3m so\u00e1t n\u1ee3 x\u1ea5u trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y kh\u00f4ng \u0111\u01a1n gi\u1ea3n, v\u00e0 nguy c\u01a1 g\u00e2y ra ph\u1ea3n \u1ee9ng d\u00e2y chuy\u1ec1n l\u00e0 c\u00f3 b\u1edfi kh\u00f4ng \u00edt c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 c\u00f4ng ty con c\u1ee7a ng\u00e2n h\u00e0ng. C\u0169ng c\u00f3 nh\u1eefng lo ng\u1ea1i v\u1ec1 vi\u1ec7c ng\u00e2n h\u00e0ng r\u00f3t v\u1ed1n qua c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 t\u00e0i tr\u1ee3 v\u1ed1n cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh v\u00e0 c\u1ea1nh tranh kh\u00f4ng l\u00e0nh m\u1ea1nh. <em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, <\/em><em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI <\/em><em>cho r\u1eb1ng, \u0111\u00e2y l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c c\u00f3 ti\u1ec1m n\u0103ng v\u00e0 s\u1ebd r\u1ea5t s\u00f4i \u0111\u1ed9ng nh\u01b0ng h\u00e0nh lang ph\u00e1p l\u00fd c\u00f2n kh\u00e1 m\u1ecfng.<\/em><\/p>\n<p><em>Theo \u00f4ng \u0110\u1ee9c, so v\u1edbi d\u1ef1 th\u1ea3o tr\u01b0\u1edbc \u0111\u00e2y, quy \u0111\u1ecbnh h\u1ea1n m\u1ee9c cho vay ti\u00eau d\u00f9ng t\u1ed1i \u0111a ch\u1ec9 10 tri\u1ec7u \u0111\u1ed3ng th\u00ec m\u1ee9c 100 tri\u1ec7u \u0111\u1ed3ng \u0111\u01b0\u1ee3c coi l\u00e0 h\u1ee3p l\u00fd. N\u1ebfu h\u1ea1n m\u1ee9c qu\u00e1 th\u1ea5p, s\u1ebd kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ng\u00e0y m\u1ed9t gia t\u0103ng, k\u00e9o theo ng\u01b0\u1eddi vay s\u1ebd t\u00ecm \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en. Trong khi n\u1ebfu cho vay h\u1ea1n m\u1ee9c cao s\u1ebd r\u1ee7i ro cho c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh do kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Do h\u00ecnh th\u1ee9c cho vay n\u00e0y kh\u00e1 \u0111\u1eb7c th\u00f9, ch\u1ee7 y\u1ebfu d\u1ef1a tr\u00ean t\u00edn ch\u1ea5p, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u00ean c\u00f3 \u0111\u1ed9 r\u1ee7i ro cao h\u01a1n so v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng.<\/em><\/p>\n<p><strong>T\u1ef1 do l\u00e3i su\u1ea5t song\u00a0v\u1eabn ph\u1ea3i \u0111\u1ea3m b\u1ea3o an to\u00e0n<\/strong><\/p>\n<p>T\u1ea1i C\u00f4ng ty t\u00e0i ch\u00ednh Home Credit Vi\u1ec7t Nam, s\u1ed1 h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n m\u1eb7t ph\u1ed5 bi\u1ebfn t\u1eeb 30 &#8211; 50 tri\u1ec7u \u0111\u1ed3ng, chi\u1ebfm 71% t\u1ed5ng s\u1ed1 h\u1ee3p \u0111\u1ed3ng, c\u00f2n d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng ch\u1ec9 chi\u1ebfm 10%. Li\u00ean quan \u0111\u1ebfn ngh\u0129a v\u1ee5 minh b\u1ea1ch, b\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean &#8211; th\u00e0nh vi\u00ean H\u0110TV Home Credit Vi\u1ec7t Nam cho r\u1eb1ng: &#8220;Th\u00f4ng t\u01b0 c\u1ee7a NHNN v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 ngh\u0129a v\u1ee5 minh b\u1ea1ch c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 nh\u1eefng th\u00f4ng tin m\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh c\u1ea7n cung c\u1ea5p cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi c\u1ea5p kho\u1ea3n vay\/k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng l\u00e0 m\u1ed9t \u0111\u1ed5i m\u1edbi quan tr\u1ecdng, g\u00f3p ph\u1ea7n l\u00e0nh m\u1ea1nh h\u00f3a th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi vay&#8221;.<\/p>\n<p>L\u00e3i su\u1ea5t cho vay c\u0169ng \u0111\u01b0\u1ee3c NHNN \u0111\u01b0a ra theo h\u01b0\u1edbng linh ho\u1ea1t nh\u01b0ng v\u1eabn \u0111\u1ea3m b\u1ea3o an to\u00e0n tr\u00e1nh nh\u1eefng tranh ch\u1ea5p ph\u00e1t sinh. C\u1ee5 th\u1ec3, m\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng do c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a NHNN v\u1ec1 l\u00e3i su\u1ea5t cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tuy nhi\u00ean, v\u1edbi c\u00e1c kho\u1ea3n d\u01b0 n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n do c\u00f4ng ty t\u00e0i ch\u00ednh th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng trong h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t cho vay trong h\u1ea1n. Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng tr\u1ea3 l\u00e3i ti\u1ec1n vay \u0111\u00fang h\u1ea1n, kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 cho c\u00f4ng ty t\u00e0i ch\u00ednh ti\u1ec1n l\u00e3i \u0111\u1ed1i v\u1edbi s\u1ed1 l\u00e3i ti\u1ec1n vay ch\u1eadm tr\u1ea3 theo m\u1ee9c l\u00e3i su\u1ea5t do c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 10%\/n\u0103m t\u00ednh tr\u00ean s\u1ed1 l\u00e3i ti\u1ec1n vay ch\u1eadm tr\u1ea3 trong th\u1eddi gian ch\u1eadm tr\u1ea3.<\/p>\n<p>T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng r\u1ea5t quan tr\u1ecdng cho t\u0103ng tr\u01b0\u1edfng GDP c\u1ee7a m\u1ed9t qu\u1ed1c gia. T\u1ea1i Vi\u1ec7t\u00a0Nam, l\u0129nh v\u1ef1c vay ti\u00eau d\u00f9ng c\u00f2n nhi\u1ec1u ti\u1ec1m n\u0103ng khi d\u01b0 n\u1ee3 m\u1edbi chi\u1ebfm 10%, trong khi v\u1edbi c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n l\u00e0 20 &#8211; 30%. V\u1edbi vi\u1ec7c ch\u00ednh th\u1ee9c ra \u0111\u1eddi h\u00e0nh lang ph\u00e1p l\u00fd cho l\u0129nh v\u1ef1c n\u00e0y, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 s\u1ef1 li\u00ean th\u00f4ng v\u1edbi t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd m\u1ea1nh m\u1ebd trong n\u0103m 2017. \u0110\u1eb7c bi\u1ec7t khi h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea7u t\u01b0 l\u1edbn cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. S\u1ef1 t\u0103ng tr\u01b0\u1edfng ngo\u1ea1n m\u1ee5c c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 l\u1ee3i nhu\u1eadn h\u1ee3p nh\u1ea5t v\u1edbi ng\u00e2n h\u00e0ng m\u1eb9 c\u00f3 th\u1ec3 l\u00e0 l\u00fd do ngu\u1ed3n l\u1ef1c l\u1edbn t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng ch\u1ea3y v\u00e0o \u0111\u00e2y.<\/p>\n<table width=\"550\">\n<tbody>\n<tr>\n<td>N\u0103m 2017 l\u00e0 n\u0103m b\u1ea3n l\u1ec1 v\u1edbi vi\u1ec7c h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng nh\u1ea3y v\u00e0o l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng b\u1eb1ng c\u00e1ch th\u00e0nh l\u1eadp c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Di\u1ec5n bi\u1ebfn n\u00e0y c\u1ea7n khuy\u1ebfn kh\u00edch nh\u01b0ng c\u0169ng ph\u1ea3i gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd.<\/p>\n<p><em>Chuy\u00ean gia kinh t\u1ebf<\/em><\/p>\n<p><strong>V\u0169 \u0110\u00ecnh \u00c1nh<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a href=\"http:\/\/www.kinhtedothi.vn\/chuan-hoa-cho-vay-tieu-dung-chat-truoc-de-tranh-hau-qua-sau-280533.html\">TH\u1ea2O NGUY\u00caN<\/a><\/p>\n<p>\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n<p><strong><em>Kinh t\u1ebf &amp; \u0110\u00f4 th\u1ecb (Kinh t<\/em><\/strong><strong><em>\u1ebf<\/em><\/strong><strong><em>) 16-02-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/www.kinhtedothi.vn\/chuan-hoa-cho-vay-tieu-dung-chat-truoc-de-tranh-hau-qua-sau-280533.html\">http:\/\/www.kinhtedothi.vn\/chuan-hoa-cho-vay-tieu-dung-chat-truoc-de-tranh-hau-qua-sau-280533.html<\/a><\/em><\/p>\n<p><em>(157\/1.016)<\/em>","protected":false},"excerpt":{"rendered":"<p>(KT&amp;DT) &#8211; Quy \u0111\u1ecbnh c\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 \u0111\u01b0\u1ee3c cho vay ti\u00eau d\u00f9ng t\u1ed1i \u0111a 100 tri\u1ec7u \u0111\u1ed3ng, \u0111\u1ed3ng th\u1eddi ph\u1ea3i th\u1ef1c hi\u1ec7n m\u1ed9t lo\u1ea1t quy \u0111\u1ecbnh nghi\u00eam ng\u1eb7t v\u1ec1 h\u1ee3p \u0111\u1ed3ng, trao \u0111\u1ed5i v\u1edbi kh\u00e1ch h\u00e0ng theo Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":15724,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-15722","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>1.517. Chu\u1ea9n h\u00f3a cho vay ti\u00eau d\u00f9ng: Ch\u1eb7t tr\u01b0\u1edbc \u0111\u1ec3 tr\u00e1nh h\u1eadu qu\u1ea3 sau - 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\/1-517-chuan-hoa-cho-vay-tieu-dung-chat-truoc-de-tranh-hau-qua-sau\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.517. 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