{"id":17527,"date":"2022-04-11T21:23:52","date_gmt":"2022-04-11T14:23:52","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=17527"},"modified":"2025-03-05T17:17:39","modified_gmt":"2025-03-05T10:17:39","slug":"3-6xx-phot-cho-vay-ngang-hang-cong-bo-lai-1825-nhung-thu-84-thang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-6xx-phot-cho-vay-ngang-hang-cong-bo-lai-1825-nhung-thu-84-thang\/","title":{"rendered":"3.713. ‘Ph\u1ed1t’ cho vay ngang h\u00e0ng, c\u00f4ng b\u1ed1 l\u00e3i 18,25% nh\u01b0ng thu 84%\/th\u00e1ng"},"content":{"rendered":"
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‘Ph\u1ed1t’ cho vay ngang h\u00e0ng, c\u00f4ng b\u1ed1 l\u00e3i 18,25% nh\u01b0ng thu 84%\/th\u00e1ng<\/span><\/h4>\n
(TN) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang l\u1ea5y \u00fd ki\u1ebfn D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh Quy \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7\u00a0t\u00e0i ch\u00ednh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (Fintech), trong \u0111\u00f3 s\u1ebd c\u1ea5p ph\u00e9p th\u1eed nghi\u1ec7m cho m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c nh\u01b0 ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, cho vay ngang h\u00e0ng…<\/strong><\/h5>\n<\/div>\n
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Qu\u1ea3ng c\u00e1o gian d\u1ed1i, sai s\u1ef1 th\u1eadt<\/strong><\/h5>\n

Theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, s\u1ed1 l\u01b0\u1ee3ng c\u00e1c c\u00f4ng ty c\u00f3 ho\u1ea1t \u0111\u1ed9ng ho\u1eb7c tham gia cung \u1ee9ng d\u1ecbch v\u1ee5, gi\u1ea3i ph\u00e1p Fintech t\u1ea1i VN \u0111\u00e3 t\u0103ng nhanh ch\u00f3ng t\u1eeb kho\u1ea3ng 40 c\u00f4ng ty v\u00e0o cu\u1ed1i n\u0103m 2016 l\u00ean \u0111\u1ebfn kho\u1ea3ng 200 c\u00f4ng ty \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i v\u1edbi nhi\u1ec1u m\u1ea3ng, l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nhau nh\u01b0 thanh to\u00e1n, cho vay ngang h\u00e0ng, ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n… Trong s\u1ed1 \u0111\u00f3, l\u0129nh v\u1ef1c\u00a0cho vay ngang h\u00e0ng (P2P Lending) c\u00f3 kho\u1ea3ng 100 c\u00f4ng ty v\u1edbi nhi\u1ec1u \u0111\u01a1n v\u1ecb c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

“C\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n cho vay n\u1eb7ng l\u00e3i l\u1ee3i d\u1ee5ng h\u00ecnh th\u1ee9c n\u00e0y \u0111\u1ec3 cho vay LS cao ng\u1ea5t ng\u01b0\u1edfng th\u00f4ng qua c\u00e1c lo\u1ea1i ph\u00ed c\u0169ng nh\u01b0 c\u00e1ch t\u00ednh r\u1ed1i r\u1eafm, kh\u00f3 hi\u1ec3u khi\u1ebfn ng\u01b0\u1eddi vay ch\u1ec9 v\u00e0i tri\u1ec7u \u0111\u1ed3ng ban \u0111\u1ea7u m\u00e0 tr\u1ea3 ho\u00e0i kh\u00f4ng h\u1ebft n\u1ee3.” – \u00d4ng Nguy\u1ec5n H\u1eefu Hu\u00e2n, Tr\u01b0\u1edfng b\u1ed9 m\u00f4n t\u00e0i ch\u00ednh\u00a0Tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc\u00a0Kinh t\u1ebf TP.HCM<\/p>\n

Th\u1eddi gian qua, \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 c\u00f4ng ty l\u1ee3i d\u1ee5ng s\u1ef1 thi\u1ebfu ki\u1ebfn th\u1ee9c, hi\u1ec3u bi\u1ebft c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 l\u1eeba b\u1ecbp, gian d\u1ed1i, qu\u1ea3ng c\u00e1o sai s\u1ef1 th\u1eadt, h\u1ee9a h\u1eb9n l\u1ee3i nhu\u1eadn cao,\u00a0l\u00e3i su\u1ea5t (LS) cao \u0111\u1ec3 l\u1eeba \u0111\u1ea3o, chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n b\u1ecf ti\u1ec1n \u0111\u1ea7u t\u01b0 m\u00f4 h\u00ecnh cho vay n\u00e0y ho\u1eb7c l\u1eeba d\u1ed1i ng\u01b0\u1eddi vay v\u1ec1 LS \u201cth\u1ea5p\u201d, \u0111i\u1ec1u ki\u1ec7n vay \u01b0u \u0111\u00e3i trong khi t\u00ednh v\u00e0 \u00e1p d\u1ee5ng m\u1ee9c LS th\u1ef1c t\u1ebf cao \u201cc\u1eaft c\u1ed5\u201d, t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c \u0111\u1ebfn cu\u1ed9c s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n…<\/p>\n<\/div>\n<\/div>\n

\"'Ph\u1ed1t'

Ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p th\u1eed nghi\u1ec7m \u0111\u1ec3 qu\u1ea3n l\u00fd KH\u1ea2 H\u00d2A<\/p><\/div>\n

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Th\u1ef1c t\u1ebf m\u00e0 B\u00e1o\u00a0Thanh Ni\u00ean<\/em>\u00a0\u0111\u00e3 nhi\u1ec1u l\u1ea7n ph\u1ea3n \u00e1nh c\u0169ng cho th\u1ea5y h\u00e0ng lo\u1ea1t ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 g\u1eb7p nhi\u1ec1u r\u1ee7i ro v\u1edbi d\u1ecbch v\u1ee5 cho vay ngang h\u00e0ng th\u1eddi gian qua. C\u00e1c d\u1ecbch v\u1ee5 cho vay n\u00e0y s\u1eed d\u1ee5ng chi\u00eau tr\u00f2 c\u00f4ng b\u1ed1 l\u00e3i cho vay th\u1ea5p nh\u01b0ng c\u1ed9ng th\u00eam r\u1ea5t nhi\u1ec1u lo\u1ea1i ph\u00ed khi\u1ebfn kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 l\u00e3i nhi\u1ec1u h\u01a1n g\u1ed1c. N\u1ebfu ng\u01b0\u1eddi vay ch\u01b0a k\u1ecbp tr\u1ea3 ti\u1ec1n th\u00ec s\u1ebd b\u1ecb c\u00e1c d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 mang t\u00ednh kh\u1ee7ng b\u1ed1, \u0111e d\u1ecda. Ch\u1eb3ng h\u1ea1n, trang Moneyveo c\u00f4ng b\u1ed1 LS cho vay l\u00e0 18,25%\/n\u0103m.<\/p>\n

Nh\u01b0ng khi th\u1eed ch\u1ecdn s\u1ed1 ti\u1ec1n vay 5 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian 10 ng\u00e0y th\u00ec kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 ph\u00ed t\u01b0 v\u1ea5n v\u00e0 LS l\u00e0 1,4 tri\u1ec7u \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 28%. Nh\u01b0 v\u1eady, n\u1ebfu vay l\u00e2u h\u01a1n th\u00ec c\u1ea3 ph\u00ed l\u1eabn l\u00e3i s\u1ebd ph\u1ea3i l\u00ean \u0111\u1ebfn 84%\/th\u00e1ng. Hay trang robocash.vn c\u00f4ng b\u1ed1 LS ch\u1ec9 18,3%\/n\u0103m nh\u01b0ng \u0111\u01b0a ra v\u00ed d\u1ee5 n\u1ebfu vay 6 tri\u1ec7u \u0111\u1ed3ng trong 180 ng\u00e0y (6 th\u00e1ng) th\u00ec t\u1ed5ng s\u1ed1 ti\u1ec1n kh\u00e1ch ph\u1ea3i tr\u1ea3 l\u00e0 8,5 tri\u1ec7u \u0111\u1ed3ng. Trong \u0111\u00f3 LS l\u00e0 540.000 \u0111\u1ed3ng, ph\u00ed t\u01b0 v\u1ea5n 600.000 \u0111\u1ed3ng v\u00e0 ph\u00ed d\u1ecbch v\u1ee5 l\u00e0 1,36 tri\u1ec7u \u0111\u1ed3ng. Nh\u01b0 v\u1eady c\u1ea3 ph\u00ed v\u00e0 l\u00e3i t\u01b0\u01a1ng \u0111\u01b0\u01a1ng c\u0169ng g\u1ea7n 84%\/n\u0103m…<\/p>\n

Ch\u00ednh v\u00ec qu\u00e1 nhi\u1ec1u r\u1ee7i ro cho kh\u00e1ch h\u00e0ng n\u00ean D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh m\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra \u0111\u00e3 d\u00e0nh ri\u00eang m\u1ed9t m\u1ee5c (g\u1ed3m 5 \u0111i\u1ec1u) \u0111\u01b0a ra c\u00e1c quy \u0111\u1ecbnh cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y nh\u01b0 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p th\u1eed nghi\u1ec7m, c\u00e1c d\u1ecbch v\u1ee5 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n hay c\u1ea7n c\u00f3 ph\u01b0\u01a1ng \u00e1n v\u00e0 tri\u1ec3n khai c\u00e1c bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba, x\u1eed l\u00fd r\u1ee7i ro.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, d\u1ef1 th\u1ea3o n\u00eau r\u00f5 c\u00e1c\u00a0doanh nghi\u1ec7p cho vay ngang h\u00e0ng\u00a0ph\u1ea3i c\u00f4ng b\u1ed1 v\u1ec1 th\u00f4ng tin c\u1ee7a c\u00f4ng ty, c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c tri\u1ec3n khai; m\u1ee9c ph\u00ed, LS, \u0111i\u1ec1u ki\u1ec7n tr\u1ea3 g\u1ed1c, l\u00e3i; quy\u1ec1n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng trong qu\u00e1 tr\u00ecnh th\u1eed nghi\u1ec7m (trong \u0111\u00f3, kh\u00e1ch h\u00e0ng l\u00e0 ng\u01b0\u1eddi cho vay ph\u1ea3i cam k\u1ebft s\u1eed d\u1ee5ng ngu\u1ed3n ti\u1ec1n t\u1ef1 c\u00f3 h\u1ee3p ph\u00e1p \u0111\u1ec3 cho vay, t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5n th\u1ea5t n\u1ebfu kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c g\u1ed1c, l\u00e3i, c\u00f3 tr\u00e1ch nhi\u1ec7m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thu\u1ebf theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; kh\u00e1ch h\u00e0ng l\u00e0 ng\u01b0\u1eddi \u0111i vay ph\u1ea3i cam k\u1ebft cung c\u1ea5p th\u00f4ng tin ch\u00ednh x\u00e1c, \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 nh\u00e2n th\u00e2n, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay, cam k\u1ebft s\u1eed d\u1ee5ng v\u1ed1n vay h\u1ee3p ph\u00e1p, kh\u00f4ng \u0111i vay \u0111\u1ec3 cho vay); quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c b\u1ea3o \u0111\u1ea3m an to\u00e0n th\u00f4ng tin, b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng\u2026<\/p>\n

H\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng bi\u1ebfn t\u01b0\u1edbng cho vay<\/strong><\/h5>\n

TS C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia kinh t\u1ebf tr\u01b0\u1edfng Ng\u00e2n h\u00e0ng BIDV, nh\u1eadn \u0111\u1ecbnh th\u1eddi gian qua, nh\u1eefng bi\u1ebfn t\u01b0\u1edbng c\u1ee7a h\u00ecnh th\u1ee9c cho vay nh\u01b0 c\u00f4ng ty P2P l\u1eeba \u0111\u1ea3o, \u00e1p d\u1ee5ng LS v\u00e0 ph\u00ed cao ng\u1ea5t ng\u01b0\u1edfng b\u1ea5t ch\u1ea5p kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay; ho\u1eb7c b\u00ean vay tr\u1ed1n tr\u00e1nh tr\u1ea3 n\u1ee3 d\u1eabn \u0111\u1ebfn b\u00ean cho vay ho\u1eb7c c\u00f4ng ty P2P d\u00f9ng m\u1ecdi bi\u1ec7n ph\u00e1p k\u1ec3 c\u1ea3 thu\u00ea x\u00e3 h\u1ed9i \u0111en \u0111\u00f2i n\u1ee3; nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng hi\u1ec3u r\u00f5 m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng v\u00e0 khi m\u1ea5t v\u1ed1n k\u00e9o \u0111\u1ebfn c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u1ec3 \u0111\u00f2i ti\u1ec1n… k\u00e9o theo nhi\u1ec1u h\u1ec7 l\u1ee5y kinh t\u1ebf v\u00e0 x\u00e3 h\u1ed9i kh\u00f3 l\u01b0\u1eddng.<\/p>\n

V\u00ec v\u1eady, vi\u1ec7c c\u1ea5p ph\u00e9p th\u1eed nghi\u1ec7m cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay ngang h\u00e0ng s\u1ebd h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng l\u1ee3i d\u1ee5ng m\u00f4 h\u00ecnh n\u00e0y \u0111\u1ec3 cho vay LS cao, l\u1eeba \u0111\u1ea3o qu\u00e1 nhi\u1ec1u trong th\u1eddi gian qua. Trong qu\u00e1 tr\u00ecnh c\u1ea5p ph\u00e9p th\u1eed nghi\u1ec7m, c\u1ea7n xem x\u00e9t b\u1ed5 sung th\u00eam m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh nh\u01b0 v\u1ed1n \u0111i\u1ec1u l\u1ec7, gi\u1edbi h\u1ea1n v\u1ed1n huy \u0111\u1ed9ng, y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty P2P l\u1eadp qu\u1ef9 d\u1ef1 ph\u00f2ng r\u1ee7i ro.<\/p>\n

\u0110\u1ed3ng th\u1eddi nghi\u00ean c\u1ee9u quy \u0111\u1ecbnh, bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro h\u1ec7 th\u1ed1ng, r\u1ee7i ro lan truy\u1ec1n tr\u00ean\u00a0th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh\u00a0– ti\u1ec1n t\u1ec7 (gi\u1eefa th\u1ecb tr\u01b0\u1eddng cho vay ngang h\u00e0ng v\u1edbi th\u1ecb tr\u01b0\u1eddng ng\u00e2n h\u00e0ng v\u00e0 ch\u1ee9ng kho\u00e1n nh\u1eb1m ng\u0103n ch\u1eb7n nh\u1eefng r\u1ee7i ro h\u1ec7 th\u1ed1ng, lan truy\u1ec1n c\u00f3 th\u1ec3 x\u1ea3y ra\u2026) \u0111\u1ec3 ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y\u2026 TS C\u1ea5n V\u0103n L\u1ef1c c\u0169ng cho r\u1eb1ng c\u1ea7n n\u00e2ng cao tr\u00e1ch nhi\u1ec7m v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a vi\u1ec7c ph\u1ed1i h\u1ee3p c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng, hi\u1ec7p h\u1ed9i, gi\u1edbi truy\u1ec1n th\u00f4ng v\u00e0 t\u1ed5 ch\u1ee9c d\u00e2n s\u1ef1 kh\u00e1c m\u1edbi c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o qu\u1ea3n l\u00fd th\u00f4ng su\u1ed1t, hi\u1ec7u qu\u1ea3 nh\u1eefng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh m\u1edbi n\u00f3i chung v\u00e0 cho vay ngang h\u00e0ng n\u00f3i ri\u00eang.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, \u00f4ng Nguy\u1ec5n H\u1eefu Hu\u00e2n, Tr\u01b0\u1edfng b\u1ed9 m\u00f4n t\u00e0i ch\u00ednh Tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc Kinh t\u1ebf TP.HCM, cho r\u1eb1ng c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n cho vay n\u1eb7ng l\u00e3i l\u1ee3i d\u1ee5ng h\u00ecnh th\u1ee9c n\u00e0y \u0111\u1ec3 cho vay LS cao ng\u1ea5t ng\u01b0\u1edfng th\u00f4ng qua c\u00e1c lo\u1ea1i ph\u00ed c\u0169ng nh\u01b0 c\u00e1ch t\u00ednh r\u1ed1i r\u1eafm, kh\u00f3 hi\u1ec3u khi\u1ebfn ng\u01b0\u1eddi vay ch\u1ec9 v\u00e0i tri\u1ec7u \u0111\u1ed3ng ban \u0111\u1ea7u m\u00e0 tr\u1ea3 ho\u00e0i kh\u00f4ng h\u1ebft n\u1ee3. Th\u1ef1c tr\u1ea1ng vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1c P2P n\u00fap b\u00f3ng cho vay n\u1eb7ng l\u00e3i th\u1eddi gian qua c\u00f3 s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a nh\u1eefng c\u00f4ng ty c\u00f3 v\u1ed1n t\u1eeb Trung Qu\u1ed1c, \u0110\u00f4ng \u00c2u th\u00f4ng qua app g\u00e2y m\u1ea5t tr\u1eadt t\u1ef1 an ninh, ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f2i n\u1ee3 v\u00f4 c\u00f9ng ph\u1ee9c t\u1ea1p. \u00d4ng k\u1ef3 v\u1ecdng khi \u0111\u00e3 tri\u1ec3n khai c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m cho vay P2P th\u00ec c\u00e1c doanh nghi\u1ec7p kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p s\u1ebd b\u1ecb \u201csi\u1ebft\u201d l\u1ea1i v\u00e0 \u0111\u1ea9y l\u00f9i \u0111\u01b0\u1ee3c nhi\u1ec1u d\u1ecbch v\u1ee5 n\u00fap b\u00f3ng tr\u00ean th\u1ecb tr\u01b0\u1eddng. Tuy nhi\u00ean, c\u1ea7n b\u1ed5 sung th\u00eam m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y nh\u01b0 v\u1ed1n ph\u00e1p \u0111\u1ecbnh, LS cho vay, \u0111\u1eb7c bi\u1ec7t ph\u1ea7n thu h\u1ed3i n\u1ee3 ph\u1ea3i theo quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 n\u01b0\u1edbc.<\/p>\n

C\u00f2n theo Lu\u1eadt s\u01b0<\/span><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <\/span>C\u00f4ng ty Lu\u1eadt<\/a>ANVI<\/a><\/strong>, ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng \u0111\u00e3 xu\u1ea5t hi\u1ec7n t\u1ea1i VN t\u1eeb nhi\u1ec1u n\u0103m nay v\u00e0 tr\u1edf th\u00e0nh xu th\u1ebf, nhu c\u1ea7u t\u1ea5t y\u1ebfu c\u1ee7a cu\u1ed9c s\u1ed1ng. Do \u0111\u00f3, c\u1ea7n s\u1edbm ban h\u00e0nh quy \u0111\u1ecbnh th\u1eed nghi\u1ec7m, qu\u1ea3n l\u00fd. C\u00e1c doanh nghi\u1ec7p tham gia xin gi\u1ea5y ph\u00e9p th\u1ef1c hi\u1ec7n c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m nh\u1eb1m qu\u1ea3n l\u00fd, ch\u1ee9 kh\u00f4ng c\u00f3 ngh\u0129a c\u00e1c \u0111\u01a1n v\u1ecb kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng. N\u1ebfu c\u1ea5m th\u00ec ph\u1ea3i s\u1eeda lu\u1eadt \u0110\u1ea7u t\u01b0 quy \u0111\u1ecbnh r\u00f5 ng\u00e0nh ngh\u1ec1 n\u00e0y b\u1ecb c\u1ea5m \u0111\u1ea7u t\u01b0, kinh doanh v\u00e0 ph\u1ea3i \u0111\u01b0a ra c\u1ea3nh b\u00e1o nh\u00e0 \u0111\u1ea7u t\u01b0, ng\u01b0\u1eddi vay khi tham gia m\u00f4 h\u00ecnh n\u00e0y. \u0110\u1eb7c bi\u1ec7t, LS c\u1ea7n \u0111\u01b0\u1ee3c c\u00f4ng khai r\u00f5 r\u00e0ng, minh b\u1ea1ch, tr\u00e1nh g\u00e2y nh\u1ea7m l\u1eabn. Hi\u1ec7n nay, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay ti\u00eau d\u00f9ng \u0111\u01b0a ra l\u00e3i su\u1ea5t t\u1eeb 50 – 70%\/n\u0103m. Trong khi \u0111\u00f3, theo lu\u1eadt D\u00e2n s\u1ef1 th\u00ec LS cho vay tr\u00ean 20% l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 x\u00e1c \u0111\u1ecbnh cho vay n\u1eb7ng l\u00e3i. Ch\u00ednh v\u00ec v\u1eady, khi th\u1eed nghi\u1ec7m P2P trong ho\u1ea1t \u0111\u1ed9ng th\u00ec LS cho vay c\u0169ng c\u1ea7n cao h\u01a1n m\u1ee9c quy \u0111\u1ecbnh trong lu\u1eadt m\u1edbi c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c…<\/em><\/p>\n

\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft ngay c\u1ea3 khi \u00e1p d\u1ee5ng c\u00e1c\u00a0ch\u00ednh s\u00e1ch, bi\u1ec7n ph\u00e1p tr\u00ean, vi\u1ec7c ki\u1ec3m so\u00e1t, tri\u1ec7t ti\u00eau ho\u00e0n to\u00e0n c\u00e1c r\u1ee7i ro x\u1ea3y ra trong qu\u00e1 tr\u00ecnh th\u1eed nghi\u1ec7m l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3. Do \u0111\u00f3, trong qu\u00e1 tr\u00ecnh tham gia th\u1eed nghi\u1ec7m, c\u00e1c t\u1ed5 ch\u1ee9c th\u1eed nghi\u1ec7m s\u1ebd ph\u1ea3i \u0111\u01b0\u1ee3c theo d\u00f5i, gi\u00e1m s\u00e1t, \u0111\u00e1nh gi\u00e1 m\u1ed9t c\u00e1ch ch\u1eb7t ch\u1ebd b\u1edfi c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, qua \u0111\u00f3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c r\u1ee7i ro ph\u00e1t sinh (n\u1ebfu c\u00f3), b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n, \u0111\u1ed3ng th\u1eddi tr\u00e1nh \u0111\u01b0\u1ee3c t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c so v\u1edbi vi\u1ec7c tri\u1ec3n khai tr\u00ean quy m\u00f4 r\u1ed9ng, th\u1eddi gian d\u00e0i.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

Mai Ph\u01b0\u01a1ng – <\/a>Thanh Xu\u00e2n<\/a><\/strong><\/h5>\n

——————<\/p>\n

Thanh ni\u00ean (T\u00e0i ch\u00ednh – kinh doanh) 11-04-2022:<\/b><\/em><\/p>\n

https:\/\/thanhnien.vn\/siet-tin-dung-den-nup-bong-vay-ngang-hang-post1447463.html<\/p>\n

(210\/1.619)<\/em><\/p>\n

 ","protected":false},"excerpt":{"rendered":"

‘Ph\u1ed1t’ cho vay ngang h\u00e0ng, c\u00f4ng b\u1ed1 l\u00e3i 18,25% nh\u01b0ng thu 84%\/th\u00e1ng (TN) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang l\u1ea5y \u00fd ki\u1ebfn D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh Quy \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7\u00a0t\u00e0i ch\u00ednh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (Fintech), trong \u0111\u00f3 s\u1ebd c\u1ea5p ph\u00e9p th\u1eed nghi\u1ec7m cho […]<\/p>\n","protected":false},"author":10,"featured_media":17528,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[36,43],"class_list":["post-17527","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-ngan-hang","tag-luat-su-thuong-mai-dien-tu"],"acf":[],"yoast_head":"\n3.713. 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