{"id":19134,"date":"2018-06-24T10:22:15","date_gmt":"2018-06-24T03:22:15","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19134"},"modified":"2022-04-25T10:26:20","modified_gmt":"2022-04-25T03:26:20","slug":"2-199-no-ro-mo-hinh-cong-ty-cho-vay-truc-tuyen","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-199-no-ro-mo-hinh-cong-ty-cho-vay-truc-tuyen\/","title":{"rendered":"2.199. N\u1edf r\u1ed9 m\u00f4 h\u00ecnh c\u00f4ng ty cho vay tr\u1ef1c tuy\u1ebfn"},"content":{"rendered":"(VNF) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer \u2013 P2P) tuy ch\u1ec9 m\u1edbi xu\u1ea5t hi\u1ec7n \u1edf Vi\u1ec7t Nam v\u00e0i n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay \u0111\u00e3 c\u00f3 g\u1ea7n ch\u1ee5c doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng cho vay theo m\u00f4 h\u00ecnh n\u00e0y v\u00e0 m\u1ed9t s\u1ed1 c\u00f4ng ty P2P \u1edf Vi\u1ec7t Nam \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ed1i t\u00e1c ngo\u1ea1i r\u00f3t v\u1ed1n \u0111\u1ea7u t\u01b0.<\/strong><\/p>\n

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L\u01b0\u1ee3ng \u0111\u01a1n vay m\u1edbi c\u1ee7a Tima \u0111\u00e3 l\u00ean t\u1edbi h\u01a1n 2.000 \u0111\u01a1n m\u1ed7i ng\u00e0y.<\/p>\n

Th\u00eam m\u1ed9t k\u00eanh ti\u1ebfp c\u1eadn v\u1ed1n m\u1edbi<\/strong><\/p>\n

Xu\u1ea5t hi\u1ec7n l\u1ea7n \u0111\u1ea7u \u1edf Anh, P2P (Peer-to-Peer Lending) l\u00e0 h\u1ec7 th\u1ed1ng k\u1ebft n\u1ed1i \u0111\u1ea7u t\u01b0 ngang h\u00e0ng tr\u1ef1c tuy\u1ebfn, \u0111\u00f3ng vai tr\u00f2 c\u1ea7u n\u1ed1i gi\u1eefa nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 v\u1ed1n v\u1edbi c\u00e1c c\u00e1 nh\u00e2n c\u1ea7n v\u1ed1n nh\u01b0ng kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

M\u00f4 h\u00ecnh P2P<\/strong> c\u0169ng bao g\u1ed3m h\u00ecnh th\u1ee9c cho vay \u0111\u1ea3m b\u1ea3o (th\u1ec3 ch\u1ea5p) v\u00e0 kh\u00f4ng \u0111\u1ea3m b\u1ea3o (t\u00edn ch\u1ea5p) gi\u1ed1ng v\u1edbi h\u00ecnh th\u1ee9c c\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u00e1p d\u1ee5ng hi\u1ec7n nay. Ch\u1ec9 kh\u00e1c l\u00e0 vi\u1ec7c th\u1ea9m \u0111\u1ecbnh s\u1ebd \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh tr\u1ef1c tuy\u1ebfn v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 quy\u1ec1n l\u1ef1a ch\u1ecdn \u0111\u1ed1i t\u00e1c c\u1ea7n vay tr\u00ean n\u1ec1n t\u1ea3ng P2P, c\u0169ng nh\u01b0 theo d\u00f5i ngu\u1ed3n l\u1ee3i nhu\u1eadn t\u1eeb ng\u01b0\u1eddi \u0111\u01b0\u1ee3c cho vay.<\/p>\n

Th\u00f4ng qua c\u00f4ng ngh\u1ec7 BigData th\u1ef1c hi\u1ec7n vai tr\u00f2 m\u00e3 h\u00f3a, l\u01b0u v\u00e0 ki\u1ec3m so\u00e1t t\u1ea5t c\u1ea3 th\u00f4ng tin kh\u00e1ch h\u00e0ng, cho vay P2P c\u00f3 t\u00ednh b\u1ea3o m\u1eadt kh\u00e1 cao, vi\u1ec7c th\u1ea9m \u0111\u1ecbnh th\u00f4ng tin kh\u00e1ch h\u00e0ng c\u0169ng nhanh v\u00e0 r\u1ebb h\u01a1n h\u00ecnh th\u1ee9c truy\u1ec1n th\u1ed1ng. L\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean c\u01a1 s\u1edf ph\u00e2n t\u00edch th\u00f4ng tin t\u00e0i kho\u1ea3n t\u00edn d\u1ee5ng, t\u00e0i kho\u1ea3n m\u1ea1ng x\u00e3 h\u1ed9i\u2026 v\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c chia th\u00e0nh c\u00e1c d\u1ea1ng t\u01b0\u01a1ng \u1ee9ng gi\u1ed1ng nh\u01b0 c\u1ee7a ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, v\u1edbi l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u00ednh th\u1ee9c kh\u00e1 cao (kho\u1ea3ng 79% theo s\u1ed1 li\u1ec7u t\u1eeb Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi) th\u00ec \u0111\u00e2y \u0111\u01b0\u1ee3c coi nh\u01b0 l\u00e0 m\u1ea3nh \u0111\u1ea5t \u201cm\u00e0u m\u1ee1\u201d cho l\u0129nh v\u1ef1c cho vay P2P ph\u00e1t tri\u1ec3n.<\/p>\n

Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi trong ng\u00e0nh ng\u00e2n h\u00e0ng, P2P tuy ch\u1ec9 m\u1edbi xu\u1ea5t hi\u1ec7n \u1edf Vi\u1ec7t Nam v\u00e0i n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay \u0111\u00e3 c\u00f3 g\u1ea7n ch\u1ee5c doanh nghi\u1ec7p cho vay theo m\u00f4 h\u00ecnh n\u00e0y ra \u0111\u1eddi. M\u1ed9t s\u1ed1 c\u00f4ng ty P2P \u1edf Vi\u1ec7t Nam \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ed1i t\u00e1c ngo\u1ea1i r\u00f3t v\u1ed1n \u0111\u1ea7u t\u01b0.<\/p>\n

Trong c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi h\u00ecnh th\u1ee9c P2P t\u1ea1i Vi\u1ec7t Nam, Tima l\u00e0 m\u1ed9t \u0111\u1ea1i di\u1ec7n xu\u1ea5t hi\u1ec7n s\u1edbm nh\u1ea5t khi tham gia th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh c\u00f4ng ngh\u1ec7 t\u1eeb n\u0103m 2015, v\u1edbi vai tr\u00f2 l\u00e0 nh\u00e0 cung c\u1ea5p P2P \u0111\u1ea7u ti\u00ean t\u1ea1i Vi\u1ec7t Nam v\u1edbi s\u1ed1 v\u1ed1n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u 150 t\u1ef7 \u0111\u1ed3ng, v\u00e0 t\u1eeb th\u00e1ng 6\/2016 b\u1eaft \u0111\u1ea7u tri\u1ec3n khai d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n v\u00e0 k\u1ebft n\u1ed1i t\u00e0i ch\u00ednh, cung c\u1ea5p d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh n\u00e0y. Cu\u1ed1i th\u00e1ng 12\/2017, s\u00e0n k\u1ebft n\u1ed1i t\u00e0i ch\u00ednh Tima ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c ra m\u1eaft.<\/p>\n

Theo \u0111\u1ea1i di\u1ec7n Tima, t\u1ea1i th\u1eddi \u0111i\u1ec3m ra m\u1eaft ch\u00ednh th\u1ee9c v\u00e0o th\u00e1ng 12\/2017, l\u01b0\u1ee3ng \u0111\u01a1n vay m\u1edbi c\u1ee7a Tima \u1edf m\u1ee9c 1.000 \u0111\u01a1n\/ng\u00e0y. T\u1ea1i th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, l\u01b0\u1ee3ng \u0111\u01a1n vay m\u1edbi \u0111\u00e3 l\u00ean t\u1edbi h\u01a1n 2.000 \u0111\u01a1n m\u1ed7i ng\u00e0y. Tima \u0111\u1eb7t m\u1ee5c ti\u00eau s\u1ebd t\u0103ng s\u1ed1 l\u01b0\u1ee3ng n\u00e0y l\u00ean 10.000 \u0111\u01a1n\/ng\u00e0y, \u0111\u1ed3ng th\u1eddi th\u00ed \u0111i\u1ec3m m\u00f4 h\u00ecnh c\u1eeda h\u00e0ng Online to Offline tr\u00ean 63 t\u1ec9nh th\u00e0nh. Hi\u1ec7n, s\u00e0n k\u1ebft n\u1ed1i n\u00e0y m\u1edbi ch\u1ec9 th\u1ef1c hi\u1ec7n vai tr\u00f2 trung gian k\u1ebft n\u1ed1i b\u00ean vay v\u00e0 b\u00ean cho vay, ch\u01b0a th\u1ef1c hi\u1ec7n giao d\u1ecbch cho vay qua s\u00e0n.<\/p>\n

S\u1ed1 li\u1ec7u c\u1eadp nh\u1eadt m\u1edbi nh\u1ea5t t\u1eeb Tima cho hay, Tima \u0111\u00e3 k\u1ebft n\u1ed1i cho vay th\u00e0nh c\u00f4ng \u0111\u01b0\u1ee3c h\u01a1n 30.000 t\u1ef7 \u0111\u1ed3ng v\u1edbi g\u1ea7n 1,5 tri\u1ec7u kh\u00e1ch h\u00e0ng.<\/p>\n

\u0110\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Tima, \u00f4ng Nguy\u1ec5n V\u0103n Th\u1ef1c cho bi\u1ebft, v\u1ed1n m\u1edbi s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho c\u00f4ng ngh\u1ec7 v\u00e0 ph\u00e1t tri\u1ec3n kinh doanh. D\u00f9 kh\u00f4ng ti\u1ebft l\u1ed9 th\u00f4ng tin c\u1ee5 th\u1ec3, nh\u01b0ng \u00f4ng Th\u1ef1c n\u00f3i Tima s\u1ebd s\u1edbm t\u1ea1o m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi m\u1ed9t ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u trong n\u01b0\u1edbc. Theo \u00f4ng Th\u1ef1c, t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m c\u1ee7a v\u00f2ng g\u1ecdi v\u1ed1n A cu\u1ed1i n\u0103m 2016 t\u1eeb m\u1ed9t qu\u1ef9 \u0111\u1ea7u t\u01b0 Singapore, \u0111\u1ebfn nay, doanh thu c\u1ee7a Tima \u0111\u00e3 t\u0103ng g\u1ea7n 10 l\u1ea7n.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, Vaymuon.vn, s\u1ea3n ph\u1ea9m c\u1ee7a C\u00f4ng ty C\u1ed5 ph\u1ea7n Vay M\u01b0\u1ee3n v\u1eeba \u0111\u01b0\u1ee3c ra m\u1eaft \u0111\u1ea7u th\u00e1ng 12\/2017, l\u00e0 s\u00e0n giao d\u1ecbch vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p kh\u00f4ng g\u1eb7p m\u1eb7t \u0111\u1ea7u ti\u00ean t\u1ea1i Vi\u1ec7t Nam, ho\u1ea1t \u0111\u1ed9ng theo m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u1ef1 Uber trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n

Theo nh\u01b0 l\u1eddi gi\u1edbi thi\u1ec7u tr\u00ean website Vaymuon.vn, s\u00e0n giao d\u1ecbch n\u00e0y kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng ph\u1ea3i c\u00f4ng ty t\u00e0i ch\u00ednh. \u0110\u01b0\u1ee3c bi\u1ebft, th\u00f4ng qua s\u00e0n giao d\u1ecbch n\u00e0y, c\u00e1c c\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u vay nhanh c\u00e1c kho\u1ea3n ti\u1ec1n nh\u1ecf trong th\u1eddi gian ng\u1eafn c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd qua m\u1ea1ng internet. Kho\u1ea3n vay s\u1ebd \u0111\u01b0\u1ee3c x\u00e9t duy\u1ec7t v\u00e0 gi\u1ea3i ng\u00e2n trong kho\u1ea3ng th\u1eddi gian l\u00e0 4 gi\u1edd l\u00e0m vi\u1ec7c v\u1edbi l\u1ea7n vay \u0111\u1ea7u v\u00e0 30 ph\u00fat v\u1edbi c\u00e1c l\u1ea7n vay sau. Ng\u01b0\u1eddi vay ti\u1ec1n kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n hay gi\u1ea5y t\u1edd v\u00e0 kh\u00f4ng b\u1ecb y\u00eau c\u1ea7u g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp.<\/p>\n

Vaymuon.vn c\u00f4ng b\u1ed1 ch\u1ec9 cho vay t\u1eeb 1 – 10 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian t\u1eeb 7 – 45 ng\u00e0y. L\u00e3i su\u1ea5t hi\u1ec7n nay \u00e1p d\u1ee5ng 1,5%\/th\u00e1ng tr\u1ea3 cho nh\u00e0 \u0111\u1ea7u t\u01b0, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 18%\/n\u0103m. \u0110\u1ed3ng th\u1eddi ng\u01b0\u1eddi vay c\u00f2n tr\u1ea3 th\u00eam kho\u1ea3n ph\u00ed 2.500 \u0111\u1ed3ng\/1 tri\u1ec7u \u0111\u1ed3ng\/ng\u00e0y. L\u00e3i su\u1ea5t v\u00e0 ph\u00ed n\u00e0y c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo t\u1eebng th\u1eddi \u0111i\u1ec3m v\u00e0 s\u1ebd \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o tr\u01b0\u1edbc khi \u00e1p d\u1ee5ng.<\/p>\n

Ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro<\/strong><\/p>\n

Trong 10 n\u0103m qua, m\u00f4 h\u00ecnh P2P \u0111\u00e3 nhanh ch\u00f3ng lan ra to\u00e0n th\u1ebf gi\u1edbi v\u1edbi g\u1ea7n 4.000 doanh nghi\u1ec7p. Theo th\u1ed1ng k\u00ea, n\u0103m 2012, t\u1ed5ng d\u01b0 n\u1ee3 cho vay qua k\u00eanh P2P tr\u00ean to\u00e0n c\u1ea7u \u0111\u1ea1t kho\u1ea3ng 1,2 t\u1ef7 USD, n\u0103m 2015 con s\u1ed1 n\u00e0y l\u00ean t\u1edbi 64 t\u1ef7 USD. V\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng nh\u01b0 th\u1eddi gian qua, d\u1ef1 \u0111o\u00e1n \u0111\u1ebfn n\u0103m 2025, t\u1ed5ng d\u01b0 n\u1ee3 cho vay qua k\u00eanh P2P to\u00e0n th\u1ebf gi\u1edbi s\u1ebd \u0111\u1ea1t h\u01a1n 1.000 t\u1ef7 USD. Tuy nhi\u00ean, m\u00f4 h\u00ecnh n\u00e0y tuy \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n, nh\u01b0ng nhi\u1ec1u \u00fd ki\u1ebfn e ng\u1ea1i r\u1eb1ng khi v\u00e0o \u0111\u1ebfn Vi\u1ec7t Nam, cho vay P2P s\u1ebd c\u00f3 nhi\u1ec1u bi\u1ebfn t\u01b0\u1edbng g\u00e2y thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi tham gia.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, hi\u1ec7n nay ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng nh\u01b0 tr\u00ean. \u00d4ng nh\u1eadn \u0111\u1ecbnh, c\u00e1c c\u00f4ng ty n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), nh\u01b0ng b\u1ea3n ch\u1ea5t h\u00ecnh th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y c\u00f3 n\u01a1i l\u00e0 huy \u0111\u1ed9ng v\u00e0 cho vay, c\u00f3 n\u01a1i l\u00e0 m\u00f4i gi\u1edbi v\u1ec1 ti\u1ec1n t\u1ec7 th\u00ec l\u1ea1i ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a NHNN. \u1ede m\u1ed9t s\u1ed1 n\u01b0\u1edbc, h\u00ecnh th\u1ee9c n\u00e0y kh\u00f4ng c\u1ea5m n\u00ean nhi\u1ec1u c\u00f4ng ty n\u1edf r\u1ed9 l\u00e0m. V\u1edbi t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n v\u1ec1 c\u00f4ng ngh\u1ec7 hi\u1ec7n nay kh\u00e1 nhanh, nh\u1eefng m\u00f4 h\u00ecnh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 ki\u1ec3u Uber, Grab… s\u1ebd ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n.<\/em><\/p>\n

Tuy nhi\u00ean, \u00f4ng \u0110\u1ee9c c\u0169ng c\u1ea3nh b\u00e1o: \u201cM\u00f4 h\u00ecnh n\u00e0y n\u1ebfu kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, cung ti\u1ec1n cho n\u1ec1n kinh t\u1ebf khi ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i b\u1ecb h\u00fat v\u00e0o. \u0110\u1eb7c bi\u1ec7t, c\u1ea7n c\u1ea3nh b\u00e1o \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi cho vay tham gia h\u00ecnh th\u1ee9c n\u00e0y s\u1ebd g\u1eb7p ph\u1ea3i nhi\u1ec1u r\u1ee7i ro\u201d.<\/em><\/p>\n

Theo chuy\u00ean gia t\u00e0i ch\u00ednh Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, c\u00e1c doanh nghi\u1ec7p l\u00e0m trung gian k\u1ebft n\u1ed1i ch\u1ec9 c\u1ea7n \u0111\u0103ng k\u00fd kinh doanh theo lu\u1eadt Doanh nghi\u1ec7p, kh\u00f4ng gi\u1eef ti\u1ec1n, kh\u00f4ng tham gia qu\u00e1 tr\u00ecnh gi\u1ea3i ng\u00e2n th\u00ec kh\u00f4ng vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 l\u0129nh v\u1ef1c cho vay t\u00e0i ch\u00ednh. Ho\u1ea1t \u0111\u1ed9ng n\u00e0y mang l\u1ea1i l\u1ee3i \u00edch khi t\u1ea1o k\u1ebft n\u1ed1i cho hai b\u00ean c\u00f3 nhu c\u1ea7u g\u1eb7p nhau. Tuy nhi\u00ean, tr\u00e1ch nhi\u1ec7m v\u00e0 r\u1ee7i ro c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd r\u1ea5t l\u1edbn. Ng\u01b0\u1ee3c l\u1ea1i, r\u1ee7i ro cho ng\u01b0\u1eddi vay c\u0169ng c\u00f3 n\u1ebfu nh\u01b0 d\u1ecbch v\u1ee5 t\u0103ng l\u00e3i su\u1ea5t b\u1ea5t ng\u1edd, thay \u0111\u1ed5i c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho vay v\u00e0 thanh to\u00e1n…\u201d.<\/p>\n

    \n
  1. B\u00f9i Quang T\u00edn, Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Ng\u00e2n h\u00e0ng TP. HCM th\u00ec nh\u1eadn \u0111\u1ecbnh, l\u00e3i su\u1ea5t c\u1ee7a m\u1ed9t s\u1ed1 c\u00f4ng ty cho vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c P2P hi\u1ec7n nay c\u00f3 th\u1ec3 c\u1ea1nh tranh v\u1edbi l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng, kh\u00e1ch h\u00e0ng n\u00e0o r\u1ee7i ro cao m\u1edbi c\u1ed9ng th\u00eam l\u00e3i su\u1ea5t.<\/li>\n<\/ol>\n

    Tuy nhi\u00ean, ph\u00e1p l\u00fd c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh, c\u00e1c c\u00f4ng ty cho vay P2P hi\u1ec7n nay ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi h\u00ecnh th\u1ee9c t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh l\u00e0 ch\u1ee7 y\u1ebfu. N\u1ebfu ho\u1ea1t \u0111\u1ed9ng t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh v\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng v\u1ed1n v\u00e0 cho vay, c\u00e1c c\u00f4ng ty n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng v\u00e0 cho vay r\u1ed9ng r\u00e3i nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng. \u201c\u0110\u1eb7t tr\u01b0\u1eddng h\u1ee3p c\u00e1c c\u00f4ng ty n\u00e0y l\u00e0 doanh nghi\u1ec7p b\u00ecnh th\u01b0\u1eddng, kh\u00f4ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a NHNN, th\u1ef1c hi\u1ec7n t\u01b0 v\u1ea5n huy \u0111\u1ed9ng v\u1ed1n v\u00e0 cho vay d\u01b0\u1edbi g\u00f3c \u0111\u1ed9 quan h\u1ec7 d\u00e2n s\u1ef1, \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u0169ng kh\u00f4ng \u0111\u00fang, v\u00ec ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c c\u00f4ng ty n\u00e0y kh\u00f4ng b\u00ecnh th\u01b0\u1eddng\u201d, \u00f4ng n\u00f3i.<\/p>\n

    B\u1ea3o Duy<\/strong><\/p>\n

    ——-<\/p>\n

    Vietnam Finace (T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng) 24-6-2018:<\/em><\/strong><\/p>\n

    http:\/\/vietnamfinance.vn\/no-ro-mo-hinh-cong-ty-cho-vay-truc-tuyen-20180504224208557.htm<\/a><\/em><\/p>\n

    (195\/1.576)<\/em>","protected":false},"excerpt":{"rendered":"

    (VNF) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer \u2013 P2P) tuy ch\u1ec9 m\u1edbi xu\u1ea5t hi\u1ec7n \u1edf Vi\u1ec7t Nam v\u00e0i n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay \u0111\u00e3 c\u00f3 g\u1ea7n ch\u1ee5c doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng cho vay theo m\u00f4 h\u00ecnh n\u00e0y v\u00e0 m\u1ed9t s\u1ed1 c\u00f4ng ty P2P \u1edf Vi\u1ec7t Nam \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ed1i t\u00e1c […]<\/p>\n","protected":false},"author":3,"featured_media":19140,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19134","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.199. N\u1edf r\u1ed9 m\u00f4 h\u00ecnh c\u00f4ng ty cho vay tr\u1ef1c tuy\u1ebfn - 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\/2-199-no-ro-mo-hinh-cong-ty-cho-vay-truc-tuyen\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.199. 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