{"id":19963,"date":"2015-09-17T10:14:31","date_gmt":"2015-09-17T03:14:31","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19963"},"modified":"2022-04-29T10:18:44","modified_gmt":"2022-04-29T03:18:44","slug":"825-day-manh-cho-vay-tieu-dung-la-giai-phap-de-chong-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/825-day-manh-cho-vay-tieu-dung-la-giai-phap-de-chong-tin-dung-den\/","title":{"rendered":"825. \u0110\u1ea9y m\u1ea1nh cho vay ti\u00eau d\u00f9ng l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ec3 ch\u1ed1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d"},"content":{"rendered":"(IFN) – -\u0110\u1ec3 ng\u0103n ng\u1eeba ho\u1ea1t \u0111\u1ed9ng “t\u00edn d\u1ee5ng \u0111en” th\u00ec vi\u1ec7c n\u1ed7 l\u1ef1c th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng CVTD c\u0169ng l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p h\u1ebft s\u1ee9c c\u0103n c\u01a1 c\u1ea7n t\u00ednh \u0111\u1ebfn.<\/strong><\/p>\n

V\u1edbi vi\u1ec7c n\u00e2ng cao c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n (\u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 thu nh\u1eadp th\u1ea5p – nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n th\u01b0\u1eddng b\u1ecb t\u1eeb ch\u1ed1i b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) truy\u1ec1n th\u1ed1ng), cho vay ti\u00eau d\u00f9ng (CVTD) s\u1ebd g\u00f3p ph\u1ea7n l\u00e0m gi\u1ea3m nhu c\u1ea7u \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c, do \u0111\u00f3, h\u1ea1n ch\u1ebf cho vay n\u1eb7ng l\u00e3i. V\u00ec th\u1ebf, \u0111\u1ec3 ng\u0103n ng\u1eeba ho\u1ea1t \u0111\u1ed9ng “t\u00edn d\u1ee5ng \u0111en” th\u00ec vi\u1ec7c n\u1ed7 l\u1ef1c th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng CVTD c\u0169ng l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p h\u1ebft s\u1ee9c c\u0103n c\u01a1 c\u1ea7n t\u00ednh \u0111\u1ebfn<\/p>\n

\u201cT\u00edn d\u1ee5ng \u0111en\u201d bao v\u00e2y d\u00e2n ngh\u00e8o<\/strong><\/p>\n

T\u1ea1i h\u1ed9i th\u1ea3o gi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi \u201cb\u1eaby t\u00edn d\u1ee5ng \u0111en<\/a>\u201d v\u1eeba \u0111\u01b0\u1ee3c Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, c\u00e1c\u00a0c\u00f4ng ty lu\u1eadt<\/a>\u00a0v\u00e0 \u0111\u01a1n v\u1ecb li\u00ean quan ph\u1ed1i h\u1ee3p t\u1ed5 ch\u1ee9c, m\u1edbi \u0111\u00e2y, c\u00e1c chuy\u00ean gia \u0111\u00e3 l\u00ean ti\u1ebfng c\u1ea3nh b\u00e1o h\u1ebft s\u1ee9c m\u1ea1nh m\u1ebd v\u1ec1 v\u1ea5n n\u1ea1n n\u00e0y.<\/p>\n

C\u00e1c chuy\u00ean gia c\u0169ng cho bi\u1ebft \u201ct\u00edn d\u1ee5ng \u0111en\u201d d\u1ecbch v\u1ee5 cho vay n\u1eb7ng l\u00e3i v\u1edbi \u201cmu\u00f4n h\u00ecnh – v\u1ea1n tr\u1ea1ng\u201d t\u1eeb vay n\u00f3ng l\u00e3i su\u1ea5t cao, \u0111\u1ebfn \u201cb\u1ed1c h\u1ecd\u201d, c\u1ea7m \u0111\u1ed3, th\u1ebf ch\u1ea5p… \u0111ang ph\u1ed5 bi\u1ebfn t\u1ea1i c\u00e1c khu nh\u00e0 tr\u1ecd c\u00f4ng nh\u00e2n v\u00e0 qu\u1ea3ng c\u00e1o nhan nh\u1ea3n tr\u00ean Facebook. Ng\u01b0\u1eddi lao \u0111\u1ed9ng ngh\u00e8o kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng do c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh ph\u1ee9c t\u1ea1p, trong khi th\u1ee7 t\u1ee5c TD l\u1ea1i r\u1ea5t nhanh g\u1ecdn, kh\u00f4ng c\u1ea7n h\u1ee3p \u0111\u1ed3ng, ch\u1ec9 c\u1ea7n k\u00fd s\u1ed5.Ch\u00ednh v\u00ec th\u1ebf, h\u1ecd ch\u00ednh l\u00e0 nh\u1eefng n\u1ea1n nh\u00e2n c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d.Th\u01b0\u1ee3ng t\u00e1 Tr\u1ea7n Th\u1ecb Th\u00fay (T\u1ed5ng c\u1ee5c C\u1ea3nh s\u00e1t) cho bi\u1ebft: \u201cT\u1eeb n\u0103m 2010 \u0111\u1ebfn h\u1ebft n\u0103m 2014, li\u00ean ti\u1ebfp x\u1ea3y ra h\u00e0ng tr\u0103m v\u1ee5 v\u1ee1 n\u1ee3 l\u1edbn v\u1edbi thi\u1ec7t h\u1ea1i l\u00ean t\u1edbi h\u00e0ng ng\u00e0n t\u1ec9 \u0111\u1ed3ng. Li\u00ean quan t\u1edbi n\u00f3 l\u00e0 h\u01a1n 6.000 v\u1ee5 vi\u1ec7c trong \u0111\u00f3 41 v\u1ee5 gi\u1ebft ng\u01b0\u1eddi, 318 v\u1ee5 c\u1ed1 \u00fd g\u00e2y th\u01b0\u01a1ng t\u00edch, 588 v\u1ee5 c\u01b0\u1edbp t\u00e0i s\u1ea3n. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 ti\u1ec1n \u00e1n, ti\u1ec1n s\u1ef1, c\u00f4n \u0111\u1ed3 hung h\u00e3n t\u1ee5 t\u1eadp th\u00e0nh b\u0103ng nh\u00f3m b\u1eaft gi\u1eef ng\u01b0\u1eddi tr\u00e1i ph\u00e1p lu\u1eadt \u0111\u1ec3 xi\u1ebft n\u1ee3, \u0111\u00f2i n\u1ee3 thu\u00ea, truy s\u00e1t con n\u1ee3\u2026\u201d<\/p>\n

Theo b\u00e0 Tr\u1ea7n Th\u1ecb H\u1ed3ng H\u1ea1nh – T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng, do TD l\u00e0 t\u00edn d\u1ee5ng \u201cng\u1ea7m\u201d \u1edf th\u1ecb tr\u01b0\u1eddng phi ch\u00ednh th\u1ee9c n\u00ean c\u1ea3 ng\u01b0\u1eddi \u0111i vay v\u00e0 cho vay \u0111\u1ec1u kh\u00f4ng xu\u1ea5t hi\u1ec7n n\u00ean vi\u1ec7c ph\u00e1t hi\u1ec7n x\u1eed l\u00fd r\u1ea5t kh\u00f3 kh\u0103n. Do v\u1eady ph\u01b0\u01a1ng \u00e1n ch\u1ee7 y\u1ebfu l\u00e0 bi\u1ec7n ph\u00e1p ph\u00f2ng, ch\u1ed1ng, ng\u0103n ng\u1eeba. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi ngh\u00e8o y\u1ebfu th\u1ebf trong x\u00e3 h\u1ed9i v\u00ec ho\u00e0n c\u1ea3nh m\u00e0 ph\u1ea3i vay n\u00f3ng, c\u1ea7n n\u00e2ng cao c\u00f4ng t\u00e1c th\u00f4ng tin tuy\u00ean truy\u1ec1n, ph\u1ed5 bi\u1ebfn ph\u00e1p lu\u1eadt. N\u00ean c\u1ee7ng c\u1ed1 v\u00e0 ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p nh\u01b0 Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4, t\u00e0i ch\u00ednh\u00a0 ti\u00eau d\u00f9ng\u2026 \u0111\u1ec3 h\u1ed7 tr\u1ee3 k\u1ecbp th\u1eddi nhu c\u1ea7u vay v\u1ed1n c\u1ee7a t\u1ea7ng l\u1edbp d\u00e2n c\u01b0 thu nh\u1eadp th\u1ea5p.<\/p>\n

Ph\u00e1t tri\u1ec3n CVTD l\u00e0 h\u1ea1n ch\u1ebf \u201ct\u00edn d\u1ee5ng \u0111en\u201d<\/strong><\/p>\n

C\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng cho hay, th\u1eddi gian qua, c\u00e1c h\u00ecnh th\u1ee9c cho vay ti\u00eau d\u00f9ng, vay kinh doanh ng\u1eafn h\u1ea1n tr\u1ea3 g\u00f3p\u2026 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n m\u1ea1nh chi\u1ebfm l\u1ea1i th\u1ecb ph\u1ea7n c\u1ee7a t\u00edn d\u1ee5ng \u0111en, h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng cho vay n\u1eb7ng l\u00e3i.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, m\u1ed9t trong nh\u1eefng l\u00fd do quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u \u0111\u1ec3 t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c \u0111\u00f3ng vai tr\u00f2 thay th\u1ebf t\u00edn d\u1ee5ng \u0111en l\u00e0 l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn, b\u1edfi n\u00f3 ch\u1ee9a \u0111\u1ef1ng \u0111\u1ea7y \u0111\u1ee7 y\u1ebfu t\u1ed1 th\u1ecb tr\u01b0\u1eddng b\u00ean trong hai ch\u1eef “th\u1ecfa thu\u1eadn” \u0111\u00f3. \u00d4ng \u0110\u1ee9c ph\u00e2n t\u00edch, h\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec1u mong mu\u1ed1n ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n. Tuy nhi\u00ean, do \u0111\u1ed3ng th\u1eddi qu\u1ea3n l\u00fd c\u1ea3 nh\u1eefng kho\u1ea3n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c v\u1edbi h\u1ea1n m\u1ee9c l\u1edbn v\u00e0 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo ph\u01b0\u01a1ng th\u1ee9c truy\u1ec1n th\u1ed1ng n\u00ean nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f2i h\u1ecfi \u0111i\u1ec1u ki\u1ec7n, h\u1ed3 s\u01a1 ch\u1eb7t ch\u1ebd, gi\u1ea5y t\u1edd b\u00e0i b\u1ea3n. \u0110\u00f3 c\u0169ng ch\u00ednh l\u00e0 l\u00fd do \u0111\u1ec3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ra \u0111\u1eddi, th\u1ef1c hi\u1ec7n c\u00e1c d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng v\u1edbi c\u00e1c th\u1ee7 t\u1ee5c h\u1ebft s\u1ee9c \u0111\u01a1n gi\u1ea3n, d\u1ec5 d\u00e0ng, linh ho\u1ea1t nh\u1eb1m t\u1eebng b\u01b0\u1edbc \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/em><\/p>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, chuy\u00ean gia Nguy\u1ec5n Tr\u00ed Hi\u1ebfu \u0111\u00e1nh gi\u00e1, c\u1ea7n h\u1ebft s\u1ee9c tr\u00e1nh s\u1ef1 nh\u1ea7m l\u1eabn gi\u1eefa hai kh\u00e1i ni\u1ec7m: l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn gi\u1eefa ng\u01b0\u1eddi cho vay v\u00e0 \u0111i vay tr\u00ean c\u01a1 s\u1edf th\u01b0\u01a1ng m\u1ea1i v\u00e0 l\u00e3i su\u1ea5t \u00e1p \u0111\u1eb7t trong t\u00edn d\u1ee5ng \u0111en, v\u1eabn th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 l\u00e3i su\u1ea5t “c\u1eaft c\u1ed5”.Tr\u01b0\u1edbc nh\u1eefng lo ng\u1ea1i, cho vay ti\u00eau d\u00f9ng hi\u1ec7n \u0111ang c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1 cao v\u00e0 c\u00f3 nguy c\u01a1 tr\u1edf th\u00e0nh \u0111\u1ea7u m\u1ed1i c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d, TS L\u00ea Xu\u00e2n Ngh\u0129a kh\u1eb3ng \u0111\u1ecbnh: \u201cT\u00edn d\u1ee5ng ti\u00eau d\u00f9ng hay CTTC kh\u00f4ng nh\u1eefng kh\u00f4ng ph\u1ea3i l\u00e0 t\u00edn d\u1ee5ng \u0111en, m\u00e0 c\u00f2n l\u00e0 m\u1ed9t c\u1ee9u c\u00e1nh cho nh\u1eefng \u201ckh\u00e1ch h\u00e0ng\u201d c\u1ee7a n\u1ea1n n\u00e0y. C\u00f2n n\u1ebfu mu\u1ed1n n\u00f3i t\u1edbi kh\u00eda c\u1ea1nh l\u00e3i su\u1ea5t cao th\u00ec n\u00ean hi\u1ec3u r\u1eb1ng, r\u1ee7i ro cao s\u1ebd song h\u00e0nh v\u1edbi l\u00e3i su\u1ea5t cao l\u00e0 chuy\u1ec7n \u0111\u01b0\u01a1ng nhi\u00ean.Cao \u1edf \u0111\u00e2y l\u00e0 so v\u1edbi c\u00e1c kho\u1ea3n vay gi\u00e1 tr\u1ecb l\u1edbn, th\u1eddi gian d\u00e0i v\u00e0 c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, ch\u1ee9 n\u1ebfu so v\u1edbi nh\u1eefng r\u1ee7i ro ti\u1ec1m \u1ea9n c\u1ee7a lo\u1ea1i h\u00ecnh vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p th\u00ec l\u00e3i su\u1ea5t n\u00e0y m\u1edbi ch\u1ec9 \u0111\u1ee7 b\u00f9 cho c\u00e1c chi ph\u00ed v\u1eadn h\u00e0nh.\u201d<\/p>\n

Theo \u00f4ng Hi\u1ebfu, s\u1ebd r\u1ea5t kh\u00f3 m\u1edf r\u1ed9ng lo\u1ea1i h\u00ecnh cho vay ti\u00eau d\u00f9ng, n\u1ebfu nh\u01b0 \u1ea5n \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t chung v\u1edbi cho vay b\u00ean ngo\u00e0i v\u1edbi m\u1ed9t m\u1ee9c th\u1ea5p. Tr\u1ea7n l\u00e3i su\u1ea5t d\u1ef1 ki\u1ebfn 20%\/n\u0103m l\u00e0 ho\u00e0n to\u00e0n xa r\u1eddi th\u1ef1c t\u1ebf, s\u1ebd d\u1eabn \u0111\u1ebfn ph\u1ea7n l\u1edbn giao d\u1ecbch ph\u1ea1m lu\u1eadt v\u00e0 h\u1ea1n ch\u1ebf k\u00eanh cho vay ch\u00ednh th\u1ee9c, khuy\u1ebfn kh\u00edch ho\u1ea1t \u0111\u1ed9ng cho vay t\u1ef1 ph\u00e1t, g\u1ed3m c\u1ea3 cho vay n\u1eb7ng l\u00e3i. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t nh\u1eefng \u0111\u1ecbnh ch\u1ebf cho vay chuy\u00ean nghi\u1ec7p, do \u0111\u00f3 cho d\u00f9 \u0111\u01b0\u1ee3c ph\u00e9p th\u1ecfa thu\u1eadn m\u1ee9c l\u00e3i su\u1ea5t th\u00ec h\u1ecd v\u1eabn s\u1ebd gi\u1eef l\u00e3i su\u1ea5t \u1edf m\u1ee9c c\u1ea1nh tranh v\u00e0 h\u1ee3p l\u00fd nh\u1ea5t, m\u1ee9c n\u00e0y ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 c\u00f3 t\u00ednh ch\u1ea5t quy\u1ebft \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t c\u1ee7a th\u1ecb tr\u01b0\u1eddng. V\u00ec v\u1eady, c\u00e1c gi\u1edbi h\u1ea1n \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi cho vay b\u00ean ngo\u00e0i c\u1ea7n tham kh\u1ea3o ngay tr\u00ean m\u1ee9c l\u00e3i su\u1ea5t hi\u1ec7n h\u00e0nh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, b\u1edfi c\u1ea3 hai \u0111\u1ec1u l\u00e0 giao d\u1ecbch h\u1ee3p ph\u00e1p, v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 theo xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Cho vay ti\u00eau d\u00f9ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p c\u00e1c kho\u1ea3n vay cho c\u00e1 nh\u00e2n \u0111\u1ec3 mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 ph\u1ee5c v\u1ee5 cho c\u00e1c m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh, ph\u00e2n bi\u1ec7t v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay th\u01b0\u01a1ng m\u1ea1i nh\u1eb1m h\u01b0\u1edbng \u0111\u1ebfn m\u1ee5c \u0111\u00edch s\u1ea3n xu\u1ea5t, kinh doanh. C\u00e1c kho\u1ea3n cho vay ti\u00eau d\u00f9ng ng\u00e0y nay th\u01b0\u1eddng \u0111\u01b0\u1ee3c cung \u1ee9ng b\u1edfi ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng, d\u01b0\u1edbi c\u00e1c h\u00ecnh th\u1ee9c nh\u01b0 cho vay mua xe, cho vay mua thi\u1ebft b\u1ecb gia \u0111\u00ecnh, cho vay theo l\u01b0\u01a1ng, cho vay qua th\u1ebb t\u00edn d\u1ee5ng\u2026Ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng \u0111\u00e3 s\u1edbm ph\u00e1t tri\u1ec3n trong cu\u1ed9c s\u1ed1ng c\u1ee7a con ng\u01b0\u1eddi v\u00e0 ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi c\u00e1c nhu c\u1ea7u ph\u00e1t tri\u1ec3n c\u1ee7a x\u00e3 h\u1ed9i.<\/p>\n

C\u00f3 th\u1ec3 n\u00f3i, ho\u1ea1t \u0111\u1ed9ng n\u00e0y kh\u00f4ng ch\u1ec9 c\u00f3 \u00fd ngh\u0129a v\u1edbi t\u1eebng c\u00e1 nh\u00e2n, m\u00e0 c\u00f2n mang l\u1ea1i nh\u1eefng t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c cho to\u00e0n x\u00e3 h\u1ed9i. B\u00ean c\u1ea1nh \u00fd ngh\u0129a n\u00e2ng cao c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n (\u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 thu nh\u1eadp th\u1ea5p, kh\u00f4ng c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng \u2013 \u0111\u00e2y l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n th\u01b0\u1eddng b\u1ecb t\u1eeb ch\u1ed1i b\u1edfi c\u00e1c NHTM truy\u1ec1n th\u1ed1ng), th\u00ec n\u00f3 c\u00f2n l\u00e0m gi\u1ea3m nhu c\u1ea7u \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c, do \u0111\u00f3, h\u1ea1n ch\u1ebf cho vay n\u1eb7ng l\u00e3i v\u00e0 k\u00edch c\u1ea7u ti\u00eau d\u00f9ng, qua \u0111\u00f3 l\u00e0m t\u0103ng s\u1ea3n l\u01b0\u1ee3ng v\u00e0 t\u1ea1o th\u00eam c\u00e1c c\u01a1 h\u1ed9i vi\u1ec7c l\u00e0m, \u0111\u00f3ng g\u00f3p v\u00e0o t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf c\u1ee7a qu\u1ed1c gia. Ch\u00ednh v\u00ec th\u1ebf, \u0111\u1ec3 ng\u0103n ng\u1eeba ho\u1ea1t \u0111\u1ed9ng “t\u00edn d\u1ee5ng \u0111en”, b\u00ean c\u1ea1nh vi\u1ec7c c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n \u0111\u01b0a ra c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ed3ng b\u1ed9, t\u1eeb tuy\u00ean truy\u1ec1n cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1ebfn vi\u1ec7c ban h\u00e0nh c\u00e1c ch\u1ebf t\u00e0i m\u1ea1nh \u0111\u1ee7 s\u1ee9c r\u0103n \u0111e v\u1edbi l\u1ed1i l\u00e0m \u0103n phi ph\u00e1p th\u00ec vi\u1ec7c n\u1ed7 l\u1ef1c th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng TCTD c\u0169ng l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p h\u1ebft s\u1ee9c c\u0103n c\u01a1 c\u1ea7n t\u00ednh \u0111\u1ebfn.<\/p>\n

Nguy\u00ean Trang<\/strong><\/p>\n

——-<\/p>\n

Infonet (Ti\u1ec1n t\u1ec7) 17-9-2015:<\/em><\/strong><\/p>\n

http:\/\/infonet.vn\/day-manh-cvtd-la-giai-phap-de-chong-tin-dung-den-post175819.info<\/em><\/strong><\/a><\/p>\n

(171\/1.527)<\/strong>","protected":false},"excerpt":{"rendered":"

(IFN) – -\u0110\u1ec3 ng\u0103n ng\u1eeba ho\u1ea1t \u0111\u1ed9ng “t\u00edn d\u1ee5ng \u0111en” th\u00ec vi\u1ec7c n\u1ed7 l\u1ef1c th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng CVTD c\u0169ng l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p h\u1ebft s\u1ee9c c\u0103n c\u01a1 c\u1ea7n t\u00ednh \u0111\u1ebfn. V\u1edbi vi\u1ec7c n\u00e2ng cao c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n (\u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 […]<\/p>\n","protected":false},"author":3,"featured_media":19964,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n825. \u0110\u1ea9y m\u1ea1nh cho vay ti\u00eau d\u00f9ng l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ec3 ch\u1ed1ng \u201ct\u00edn d\u1ee5ng \u0111en\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\/825-day-manh-cho-vay-tieu-dung-la-giai-phap-de-chong-tin-dung-den\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]825. \u0110\u1ea9y m\u1ea1nh cho vay ti\u00eau d\u00f9ng l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ec3 ch\u1ed1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(IFN) – -\u0110\u1ec3 ng\u0103n ng\u1eeba ho\u1ea1t \u0111\u1ed9ng “t\u00edn d\u1ee5ng \u0111en” th\u00ec vi\u1ec7c n\u1ed7 l\u1ef1c th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng CVTD c\u0169ng l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p h\u1ebft s\u1ee9c c\u0103n c\u01a1 c\u1ea7n t\u00ednh \u0111\u1ebfn. 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