{"id":20215,"date":"2015-09-30T09:24:46","date_gmt":"2015-09-30T02:24:46","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20215"},"modified":"2022-05-05T09:30:21","modified_gmt":"2022-05-05T02:30:21","slug":"844-tin-dung-tieu-dung-can-theo-quy-luat-cung-cau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/844-tin-dung-tieu-dung-can-theo-quy-luat-cung-cau\/","title":{"rendered":"844. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: C\u1ea7n theo quy lu\u1eadt \u201ccung c\u1ea7u\u201d"},"content":{"rendered":"(G\u0110VN) – M\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay ch\u00ednh l\u00e0 h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0y c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n x\u1ee9ng t\u1ea7m v\u1edbi vai tr\u00f2 c\u1ee7a n\u00f3 trong x\u00e3 h\u1ed9i.<\/strong><\/p>\n

Th\u1ecb tr\u01b0\u1eddng \u0111\u1ea7y ti\u1ec1m n\u0103ng<\/strong><\/p>\n

C\u00e1c b\u00e1o c\u00e1o kh\u1ea3o s\u00e1t cho th\u1ea5y, th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng (CVTD) Vi\u1ec7t Nam hi\u1ec7n \u0111\u1ea1t d\u01b0 n\u1ee3 kho\u1ea3ng h\u01a1n 200 ngh\u00ecn t\u1ef7 (kho\u1ea3ng 10 t\u1ef7 USD; c\u00f3 m\u1ee9c t\u0103ng tr\u01b0\u1edfng kho\u1ea3ng 12%\/n\u0103m v\u00e0 c\u00f3 kho\u1ea3ng 16 tri\u1ec7u ng\u01b0\u1eddi l\u00e0 kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng).<\/p>\n

Theo \u0111\u1eb7c th\u00f9, c\u00e1c NHTM th\u01b0\u1eddng t\u1eadp trung v\u00e0o nh\u00f3m kh\u00e1ch h\u00e0ng \u0111\u1ea1t chu\u1ea9n c\u1ea5p t\u00edn d\u1ee5ng (c\u00f3 thu nh\u1eadp th\u01b0\u1eddng ni\u00ean t\u1eeb kh\u00e1 tr\u1edf l\u00ean, c\u00f3 \u0111i\u1ec3m t\u00edn d\u1ee5ng cao, c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t) v\u00e0 cung c\u1ea5p c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, g\u00f3i vay l\u1edbn (ch\u1ee7 y\u1ebfu l\u00e0 c\u00e1c kho\u1ea3n cho vay mua nh\u00e0, x\u00e2y m\u1edbi ho\u1eb7c s\u1eeda ch\u1eefa nh\u00e0 \u1edf, mua \u00f4 t\u00f4; chi ti\u00eau qua th\u1ebb\u2026). \u0110\u00e2y c\u0169ng l\u00e0 d\u01b0 \u0111\u1ecba chi\u1ebfm h\u1ea7u nh\u01b0 to\u00e0n b\u1ed9 (tr\u00ean 90%) d\u01b0 n\u1ee3 c\u1ee7a CVTD.<\/p>\n

Trong khi \u0111\u00f3, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh h\u01b0\u1edbng \u0111\u1ebfn nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng d\u01b0\u1edbi chu\u1ea9n c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng (ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh ho\u1eb7c th\u1ea5p, kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c thu nh\u1eadp; ch\u01b0a c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng ho\u1eb7c \u0111i\u1ec3m t\u00edn d\u1ee5ng th\u1ea5p…), v\u00e0 cung c\u1ea5p c\u00e1c kho\u1ea3n vay nh\u1ecf, kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, ph\u1ee5c v\u1ee5 nhu c\u1ea7u mua s\u1eafm c\u00e1c s\u1ea3n ph\u1ea9m thi\u1ebft y\u1ebfu cho\u00a0gia \u0111\u00ecnh<\/a>\u00a0nh\u01b0 h\u00e0ng \u0111i\u1ec7n m\u00e1y, gia d\u1ee5ng, xe m\u00e1y v\u00e0 trang thi\u1ebft b\u1ecb\u00a0gia \u0111\u00ecnh<\/a>, ti\u1ec1n m\u1eb7t ph\u1ee5c v\u1ee5 nhu c\u1ea7u nh\u01b0 du l\u1ecbch, c\u01b0\u1edbi h\u1ecfi, h\u1ecdc t\u1eadp\u2026 v\u1edbi th\u1ee7 t\u1ee5c h\u1ebft s\u1ee9c \u0111\u01a1n gi\u1ea3n, x\u00e9t duy\u1ec7t nhanh ch\u00f3ng, c\u00f3 th\u1ec3 gi\u1ea3i ng\u00e2n trong v\u00f2ng 24h.<\/p>\n

\"\"<\/em><\/h2>\n

Cho vay ti\u00eau du\u0300ng \u0111ang \u0111\u01b0\u01a1\u0323c khuy\u00ea\u0301n khi\u0301ch va\u0300 d\u01b0\u0323a tr\u00ean quy lu\u00e2\u0323t cung – c\u00e2\u0300u<\/em><\/p>\n

L\u1ee3i \u00edch ch\u00ednh c\u1ee7a ho\u1ea1t \u0111\u1ed9ng CVTD l\u00e0: Gi\u00fap 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\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n; G\u00f3p ph\u1ea7n gia t\u0103ng s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh cho c\u00e1c nh\u00f3m kh\u00e1ch h\u00e0ng m\u1edbi; L\u00e0m gi\u1ea3m cho vay n\u1eb7ng l\u00e3i, \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u00e0 k\u00edch c\u1ea7u ti\u00eau d\u00f9ng n\u00e2ng cao \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n… Theo c\u00e1c chuy\u00ean gia kinh t\u1ebf, \u0111\u00e2y l\u00e0 ph\u00e2n kh\u00fac c\u1ea7n \u0111\u01b0\u1ee3c ch\u00fa \u00fd b\u1edfi cho \u0111\u1ebfn nay nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n h\u1ea7u nh\u01b0 ch\u01b0a \u0111\u01b0\u1ee3c c\u00e1c NHTM cho v\u00e0o \u201ct\u1ea7m ng\u1eafm\u201d trong danh m\u1ee5c c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng cung c\u1ea5p d\u1ecbch v\u1ee5.<\/p>\n

Th\u1ef1c t\u1ebf, hi\u1ec7n c\u1ea3 n\u01b0\u1edbc m\u1edbi ch\u1ec9 c\u00f3 kho\u1ea3ng 6 c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c n\u00e0y v\u00e0\u00a0 th\u1ecb ph\u1ea7n c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y c\u0169ng m\u1edbi ch\u1ec9 \u0111\u1ea1t 6% d\u01b0 n\u1ee3 to\u00e0n kh\u1ed1i. Nguy\u00ean nh\u00e2n \u0111\u01b0\u1ee3c ch\u1ec9 ra l\u00e0 do v\u1eabn c\u00f2n nh\u1eefng \u201cl\u1ea5n c\u1ea5n\u201d trong \u0111\u1ecbnh h\u01b0\u1edbng v\u00e0 nh\u1eefng b\u0103n kho\u0103n v\u1ec1 v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t c\u00f9ng s\u1ef1 thi\u1ebfu ki\u1ebfn th\u1ee9c, thi\u1ebfu th\u00f4ng tin v\u1ec1 lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 n\u00e0y c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n

C\u1ea7n m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng<\/strong><\/p>\n

N\u00f3i nh\u01b0 lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI th\u00ec 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 nhi\u00eau kh\u00ea. \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, t\u00e1ch bi\u1ec7t h\u1eb3n c\u00e1c ho\u1ea1t \u0111\u1ed9ng mang t\u00ednh truy\u1ec1n th\u1ed1ng c\u1ee7a c\u00e1c NHTM, \u0111\u1ed3ng th\u1eddi 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

Tuy nhi\u00ean, mu\u1ed1n \u0111\u1ec3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n s\u00e2u r\u1ed9ng, \u201cph\u1ee7 s\u00f3ng\u201d \u0111\u1ebfn t\u1ea5t c\u1ea3 ng\u01b0\u1eddi d\u00e2n, d\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, h\u01b0\u1edbng \u0111\u1ebfn ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh, hi\u1ec7u qu\u1ea3 th\u00ec \u0111i\u1ec1u c\u1ea7n quan t\u00e2m 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.<\/em><\/p>\n

Theo c\u00e1c chuy\u00ean gia, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng CVTD, \u0111\u1eb7c bi\u1ec7t l\u00e0 ph\u00e2n kh\u00fac \u201cc\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh\u201d ph\u00e1t tri\u1ec3n th\u00ec c\u1ea7n h\u01b0\u1edbng lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 n\u00e0y ho\u1ea1t \u0111\u1ed9ng theo quy lu\u1eadt cung c\u1ea7u. B\u1edfi l\u1ebd, m\u1ecdi d\u1ecbch v\u1ee5 sinh ra \u0111\u1ec1u b\u1eaft ngu\u1ed3n t\u1eeb nhu c\u1ea7u cu\u1ed9c s\u1ed1ng v\u00e0 s\u1ef1 t\u1ed3n t\u1ea1i, ph\u00e1t tri\u1ec3n c\u1ee7a m\u1ed7i lo\u1ea1i h\u00ecnh \u0111\u1ec1u c\u00f3 l\u00fd do ri\u00eang. D\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng c\u0169ng v\u1eady, kh\u00f4ng ph\u1ea3i ng\u1eabu nhi\u00ean m\u00e0 n\u00f3 \u0111\u00e3 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n tr\u00ean th\u1ebf gi\u1edbi t\u1eeb h\u00e0ng ch\u1ee5c n\u0103m nay, cho d\u00f9 l\u00e3i su\u1ea5t lu\u00f4n cao so v\u1edbi nh\u1eefng lo\u1ea1i h\u00ecnh t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng. N\u1ebfu h\u1ea1n ch\u1ebf l\u00e3i su\u1ea5t CVTD c\u0169ng \u0111\u1ed3ng ngh\u0129a l\u00e0 \u0111ang nh\u01b0\u1eddng \u201ctr\u1eadn \u0111\u1ecba\u201d cho t\u00edn d\u1ee5ng \u0111en ph\u00e1t tri\u1ec3n.<\/p>\n

N\u00f3i nh\u01b0 TS.Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, \u201cc\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\u201d. M\u1ed9t khi th\u1ea3 n\u1ed5i l\u00e3i su\u1ea5t, t\u1ef1 kh\u1eafc th\u1ecb tr\u01b0\u1eddng s\u1ebd \u0111\u1ecbnh h\u00ecnh ra m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t, h\u1ee3p l\u00fd nh\u1ea5t, c\u1ea1nh tranh nh\u1ea5t v\u00e0 kh\u00f4ng c\u00f3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00e0o d\u00e1m \u0111\u01b0a ra m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 cao, v\u00ec nh\u01b0 v\u1eady kh\u00e1ch h\u00e0ng s\u1ebd b\u1ecf h\u1ecd v\u00e0 h\u1ecd \u0111\u00e3 t\u1ef1 c\u1eaft \u0111i ngu\u1ed3n s\u1ed1ng c\u1ee7a m\u00ecnh.<\/p>\n

N\u1ebfu ch\u00fang ta c\u1ee9 \u201cbao bi\u1ec7n\u201d l\u00e0 c\u1ea7n b\u1ea3o v\u1ec7 ng\u01b0\u1eddi vay b\u1eb1ng nh\u1eefng bi\u1ec7n ph\u00e1p h\u1ea1n ch\u1ebf, r\u00e0ng bu\u1ed9c t\u1ed5 ch\u1ee9c cho vay, b\u1eb1ng nh\u1eefng gi\u1ea3i ph\u00e1p h\u00e0nh ch\u00ednh th\u00ec th\u1ecb tr\u01b0\u1eddng s\u1ebd kh\u00f4ng ph\u00e1t tri\u1ec3n v\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1ebd m\u00e3i l\u00e0 nh\u1eefng \u201c\u0111\u1ee9a tr\u1ebb\u201d. \u0110\u00e3 \u0111\u1ebfn l\u00fac, ch\u00fang ta c\u1ea7n ph\u1ea3i \u0111\u1ec3 quy lu\u1eadt th\u1ecb tr\u01b0\u1eddng t\u1ef1 quy\u1ebft \u0111\u1ecbnh s\u1ef1 t\u1ed3n t\u1ea1i c\u1ee7a c\u00e1c lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 v\u00e0 ng\u01b0\u1eddi d\u00e2n ph\u1ea3i hi\u1ec3u quy\u1ec1n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh.V\u00e0 \u1edf \u201cs\u00e2n ch\u01a1i\u201d th\u1ecb tr\u01b0\u1eddng \u1ea5y, nh\u00e0 n\u01b0\u1edbc \u0111\u00f3ng vai tr\u00f2 l\u00e0 tr\u1ecdng t\u00e0i gi\u00e1m s\u00e1t \u201ccu\u1ed9c ch\u01a1i\u201d, lo\u1ea1i b\u1ecf nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ea1m lu\u1eadt, thi\u1ebfu \u201cfair play\u201d khi c\u1ea7n thi\u1ebft.<\/p>\n

N\u00f3i t\u00f3m l\u1ea1i, th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u00e0o c\u0169ng c\u00f3 nh\u1eefng b\u01b0\u1edbc ch\u1eadp ch\u1eefng. Vi\u1ec7c c\u1ea7n l\u00e0m l\u00fac n\u00e0y l\u00e0 t\u00ecm c\u00e1ch n\u00e2ng cao nh\u1eadn th\u1ee9c c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 CVTD m\u1ed9t c\u00e1ch t\u00edch c\u1ef1c v\u00e0 \u0111\u00fang \u0111\u1eafn h\u01a1n; trang b\u1ecb cho ng\u01b0\u1eddi d\u00e2n nh\u1eefng ki\u1ebfn th\u1ee9c, k\u1ef9 n\u0103ng tham gia th\u1ecb tr\u01b0\u1eddng v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a m\u1ed9t ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00f4ng th\u00e1i. L\u00e0 n\u1ed7 l\u1ef1c v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 h\u00ecnh th\u00e0nh m\u1ed9t th\u1ecb tr\u01b0\u1eddng minh b\u1ea1ch, c\u1ea1nh tranh. \u0110\u00f3 l\u00e0 c\u00e1ch \u0111\u1ec3 ch\u00fang ta gi\u00fap ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi nh\u1eefng s\u1ea3n ph\u1ea9m t\u1ed1i \u01b0u, d\u1ecbch v\u1ee5 t\u1ed1t h\u01a1n c\u0169ng nh\u01b0 v\u1edbi m\u1ee9c gi\u00e1, m\u1ee9c l\u00e3i su\u1ea5t c\u1ea1nh tranh h\u01a1n.<\/p>\n

Ch\u00ednh s\u00e1ch, ph\u00e1p lu\u1eadt kinh doanh n\u00f3i chung lu\u00f4n c\u1ea7n bi\u1ebfn \u0111\u1ed5i theo th\u1eddi gian \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n cu\u1ed9c s\u1ed1ng v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf. V\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, r\u1ee7i ro l\u1edbn nh\u1ea5t c\u1ee7a d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 thu\u1ed9c v\u1ec1 s\u1ea3n ph\u1ea9m n\u00e0y, m\u00e0 ch\u00ednh l\u00e0 h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0y c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n x\u1ee9ng t\u1ea7m v\u1edbi vai tr\u00f2 c\u1ee7a n\u00f3 trong x\u00e3 h\u1ed9i.<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft, v\u1edbi vi\u1ec7c x\u00e2y d\u1ef1ng nh\u1eefng h\u00e0nh lang ph\u00e1p l\u00fd ri\u00eang cho ho\u1ea1t \u0111\u1ed9ng CVTD v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111ang \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng n\u00e0y theo h\u01b0\u1edbng\u00a0 l\u00e0nh m\u1ea1nh, hi\u1ec7u qu\u1ea3, nh\u1eb1m cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng t\u1ed1t nh\u1ea5t \u0111\u1ebfn \u0111a s\u1ed1 ng\u01b0\u1eddi d\u00e2n. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 quy\u1ec1n k\u1ef3 v\u1ecdng th\u1ecb tr\u01b0\u1eddng CVTD s\u1ebd minh b\u1ea1ch, r\u00f5 r\u00e0ng h\u01a1n khi nh\u1eefng ch\u00ednh s\u00e1ch \u0111\u00f3 s\u1edbm \u0111\u01b0\u1ee3c ban h\u00e0nh v\u00e0 \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng.<\/p>\n

Vi\u1ec7t H\u00e0<\/strong><\/p>\n

——-<\/p>\n

Gia \u0111\u00ecnh Vi\u1ec7t Nam (T\u00e0i ch\u00ednh) 30-9-2015:<\/em><\/strong><\/p>\n

http:\/\/www.giadinhvietnam.com\/tin-dung-tieu-dung-can-theo-quy-luat-cung-cau-d71942.html<\/em><\/p>\n

(214\/1.386)","protected":false},"excerpt":{"rendered":"

(G\u0110VN) – M\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay ch\u00ednh l\u00e0 h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0y c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n x\u1ee9ng t\u1ea7m v\u1edbi vai tr\u00f2 c\u1ee7a n\u00f3 trong x\u00e3 h\u1ed9i. Th\u1ecb tr\u01b0\u1eddng \u0111\u1ea7y ti\u1ec1m n\u0103ng C\u00e1c b\u00e1o c\u00e1o […]<\/p>\n","protected":false},"author":3,"featured_media":20216,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-20215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n844. 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