{"id":19579,"date":"2015-12-24T14:21:22","date_gmt":"2015-12-24T07:21:22","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19579"},"modified":"2022-04-27T14:23:48","modified_gmt":"2022-04-27T07:23:48","slug":"933-tin-dung-tieu-dung-cho-but-pha","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/933-tin-dung-tieu-dung-cho-but-pha\/","title":{"rendered":"933. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ch\u1edd b\u1ee9t ph\u00e1"},"content":{"rendered":"<strong>(IFN) &#8211; Chuy\u00ean gia kinh t\u1ebf V\u0169 \u0110\u00ecnh \u00c1nh cho r\u1eb1ng, l\u00e3i su\u1ea5t n\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh l\u00e0 h\u1ee3p l\u00fd. C\u0103n c\u1ee9 v\u00e0o nhu c\u1ea7u th\u1ef1c t\u1ebf v\u00e0 l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn, ng\u01b0\u1eddi \u0111i vay s\u1ebd quy\u1ebft \u0111\u1ecbnh c\u00f3 vay hay kh\u00f4ng.<\/strong><\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-19580 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/29.jpg\" alt=\"\" width=\"419\" height=\"279\" \/><br \/>\n\u0110\u01b0\u1ee3c thay \u00e1o m\u1edbi<\/strong>Hi\u1ec7n nay, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng (CVTD) c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ef1a theo nguy\u00ean t\u1eafc th\u1ecfa thu\u1eadn quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 12\/2010\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam. Tuy nhi\u00ean trong th\u1ef1c t\u1ebf v\u1eabn c\u00f2n tranh c\u00e3i gi\u1eefa v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 l\u00e3i su\u1ea5t th\u1ef1c tr\u00ean th\u1ecb tr\u01b0\u1eddng. B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/01\/2017 \u0111\u00e3 lu\u1eadt h\u00f3a v\u1ea5n \u0111\u1ec1 n\u00e0y, m\u1edf ra nhi\u1ec1u c\u01a1 h\u1ed9i cho ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n<p><em>Lu\u1eadt gia Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c &#8211; C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng vi\u1ec7c quy \u0111\u1ecbnh r\u00f5 v\u1ec1 l\u00e3i su\u1ea5t cho vay trong B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1, c\u1ee5 th\u1ec3 l\u00e0 ch\u1ec9 r\u00f5 c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh d\u00e2n s\u1ef1 c\u00f3 l\u00e3i vay kh\u00f4ng qu\u00e1 20%, tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh b\u1edfi lu\u1eadt kh\u00e1c, l\u00e0 m\u1ed9t \u0111i\u1ec3m m\u1edbi c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1. Nh\u01b0 v\u1eady, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh thu\u1ed9c \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00ean kh\u00f4ng \u00e1p tr\u1ea7n n\u00e0y, lu\u1eadt kh\u00f4ng c\u00f2n \u0111\u1ec3 m\u1eadp m\u1edd khi\u1ebfn c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 r\u01a1i v\u00e0o th\u1ebf ph\u1ea1m lu\u1eadt v\u00e0 th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng mang ti\u1ebfng l\u00e0 cho vay n\u1eb7ng l\u00e3i.<\/em><\/p>\n<p>Chuy\u00ean gia kinh t\u1ebf V\u0169 \u0110\u00ecnh \u00c1nh cho bi\u1ebft, c\u00f4ng ty t\u00e0i ch\u00ednh cho vay \u0111\u1ed1i v\u1edbi c\u00e1c nhu c\u1ea7u mang t\u00ednh ch\u1ea5t b\u1ea5t th\u01b0\u1eddng m\u00e0 ng\u01b0\u1eddi \u0111i vay ch\u01b0a k\u1ecbp thu x\u1ebfp v\u1ec1 t\u00e0i ch\u00ednh \u0111\u1ec3 s\u1edf h\u1eefu nh\u1eefng t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u0111\u1ed1i l\u1edbn d\u01b0\u1edbi d\u1ea1ng vay tr\u1ea3 g\u00f3p. Trong \u0111\u00f3, b\u00ean cho vay l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh li\u00ean k\u1ebft v\u1edbi nh\u00e0 cung c\u1ea5p h\u00e0ng h\u00f3a v\u00e0 d\u1ecbch v\u1ee5 c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng ti\u1ebfp c\u1eadn v\u1edbi nh\u1eefng h\u00e0ng h\u00f3a v\u00e0 d\u1ecbch v\u1ee5 \u0111\u00f3. L\u00e3i vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp theo nguy\u00ean t\u1eafc \u0111\u1ea3m b\u1ea3o l\u00e3i su\u1ea5t b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c chi ph\u00ed \u0111\u1ea7u v\u00e0o, chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, chi ph\u00ed r\u1ee7i ro, t\u1ec9 l\u1ec7 l\u1ee3i nhu\u1eadn nh\u1ea5t \u0111\u1ecbnh v\u00e0 c\u00f2n c\u00f3 y\u1ebfu t\u1ed1 cung c\u1ea7u th\u1ecb tr\u01b0\u1eddng, mang t\u00ednh c\u1ea1nh tranh. Do \u0111\u00f3, v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t n\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh l\u00e0 h\u1ee3p l\u00fd. C\u0103n c\u1ee9 v\u00e0o nhu c\u1ea7u th\u1ef1c t\u1ebf v\u00e0 l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn, ng\u01b0\u1eddi \u0111i vay s\u1ebd quy\u1ebft \u0111\u1ecbnh c\u00f3 vay hay kh\u00f4ng.<\/p>\n<p>Theo c\u00e1c chuy\u00ean gia, vi\u1ec7c qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh b\u1eb1ng bi\u1ec7n ph\u00e1p h\u00e0nh ch\u00ednh s\u1ebd g\u00e2y r\u1ee7i ro, l\u00e0m m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t khung ph\u00e1p l\u00fd sao cho th\u1ecb tr\u01b0\u1eddng v\u1eadn h\u00e0nh th\u00f4ng su\u1ed1t, hi\u1ec7u qu\u1ea3, \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay. C\u1ea7n quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng cho vay, tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u1ea3 hai b\u00ean \u0111\u1ec3 tr\u00e1nh nh\u1eefng khi\u1ebfu ki\u1ec7n sau n\u00e0y v\u00e0 nh\u1eefng ph\u00e1t sinh l\u00e0m t\u1ed5n th\u01b0\u01a1ng cho b\u00ean y\u1ebfu th\u1ebf.<\/p>\n<p><strong>\u0110\u00e1p \u1ee9ng nhu c\u1ea7u ng\u01b0\u1eddi d\u00e2n<\/strong><\/p>\n<p>M\u1eb7c d\u00f9 \u0111\u00e3 c\u00f3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng ngo\u1ea1n m\u1ee5c trong v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y v\u1edbi s\u1ef1 ra \u0111\u1eddi v\u00e0 xu\u1ea5t hi\u1ec7n c\u1ee7a h\u00e0ng lo\u1ea1t c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ed9c l\u1eadp ho\u1eb7c tr\u1ef1c thu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, song th\u1ecb ph\u1ea7n CVTD hi\u1ec7n c\u00f2n r\u1ea5t nh\u1ecf so v\u1edbi ti\u1ec1m n\u0103ng, ch\u1ec9 chi\u1ebfm kho\u1ea3ng 8% t\u1ed5ng d\u01b0 n\u1ee3 trong khi con s\u1ed1 n\u00e0y \u1edf c\u00e1c n\u1ec1n kinh t\u1ebf kh\u00e1c ph\u1ed5 bi\u1ebfn l\u00e0 15-25%.<\/p>\n<p>Ch\u00ednh s\u1ef1 nghi ng\u1edd c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u1ec1 l\u00e3i su\u1ea5t cao c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n khi\u1ebfn ng\u01b0\u1eddi \u0111i vay c\u00f2n e d\u00e8, c\u00f2n c\u00e1c ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p ch\u01b0a c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 \u201cbung\u201d t\u00edn d\u1ee5ng.<\/p>\n<p>TS Cao S\u1ef9 Ki\u00eam, Th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng t\u01b0 v\u1ea5n Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 qu\u1ed1c gia ph\u00e2n t\u00edch, hi\u1ec7n nay, c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf \u0111\u00e3 c\u00f3 ch\u1ebf \u0111\u1ed9 t\u00edn d\u1ee5ng ri\u00eang \u0111\u1ec3 ph\u00e1t tri\u1ec3n, ri\u00eang ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u01b0a c\u00f3 ch\u1ebf \u0111\u1ed9 t\u00edn d\u1ee5ng r\u00f5 r\u00e0ng. Trong khi \u0111\u00f3, CVTD ch\u00ednh l\u00e0 ngu\u1ed3n t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111\u1eddi s\u1ed1ng c\u1ee7a m\u1ed9t b\u1ed9 ph\u1eadn ng\u01b0\u1eddi d\u00e2n, t\u1eeb nhu c\u1ea7u vay qua \u0111\u00eam \u0111\u1ed1i v\u1edbi c\u00e1c m\u00f3n vay c\u01b0\u1edbi h\u1ecfi, du l\u1ecbch, kh\u00e1m b\u1ec7nh hay mua s\u1eafn c\u00e1c v\u1eadt d\u1ee5ng thi\u1ebft y\u1ebfu cho cu\u1ed9c s\u1ed1ng nh\u01b0 h\u00e0ng gia d\u1ee5ng, \u0111i\u1ec7n m\u00e1y\u2026 V\u1edbi c\u00e1c kho\u1ea3n vay n\u00e0y, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t cao h\u01a1n m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng. Th\u1ef1c t\u1ebf n\u00e0y \u0111\u00f2i h\u1ecfi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ea7n t\u0103ng l\u00ean v\u1ec1 quy m\u00f4 v\u00e0 \u0111a d\u1ea1ng h\u01a1n v\u1ec1 s\u1ea3n ph\u1ea9m.<\/p>\n<p><strong>Tu\u1ea5n H\u01b0ng<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Infonet (Ti\u1ec1n t\u1ec7) 24-12-2015:<\/em><\/strong><\/p>\n<p><em>http:\/\/infonet.vn\/tin-dung-tieu-dung-cho-but-pha-post186749.info<\/em><\/p>\n<p>(117\/835)","protected":false},"excerpt":{"rendered":"<p>(IFN) &#8211; Chuy\u00ean gia kinh t\u1ebf V\u0169 \u0110\u00ecnh \u00c1nh cho r\u1eb1ng, l\u00e3i su\u1ea5t n\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh l\u00e0 h\u1ee3p l\u00fd. C\u0103n c\u1ee9 v\u00e0o nhu c\u1ea7u th\u1ef1c t\u1ebf v\u00e0 l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn, ng\u01b0\u1eddi \u0111i vay s\u1ebd quy\u1ebft \u0111\u1ecbnh c\u00f3 vay hay kh\u00f4ng. \u0110\u01b0\u1ee3c thay \u00e1o m\u1edbiHi\u1ec7n nay, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19580,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19579","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>933. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ch\u1edd b\u1ee9t ph\u00e1 - 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\/en\/tieng-viet-933-tin-dung-tieu-dung-cho-but-pha\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]933. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ch\u1edd b\u1ee9t ph\u00e1[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(IFN) &#8211; Chuy\u00ean gia kinh t\u1ebf V\u0169 \u0110\u00ecnh \u00c1nh cho r\u1eb1ng, l\u00e3i su\u1ea5t n\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh l\u00e0 h\u1ee3p l\u00fd. 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