{"id":20859,"date":"2015-11-02T10:36:41","date_gmt":"2015-11-02T03:36:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20859"},"modified":"2022-05-12T11:16:03","modified_gmt":"2022-05-12T04:16:03","slug":"881-cho-vay-tieu-dung-cong-ty-tai-chinh-dang-nam-loi-the","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/881-cho-vay-tieu-dung-cong-ty-tai-chinh-dang-nam-loi-the\/","title":{"rendered":"881. Cho vay ti\u00eau d\u00f9ng: C\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang n\u1eafm l\u1ee3i th\u1ebf"},"content":{"rendered":"(TP) – Nh\u1ea5n m\u1ea1nh \u0111i\u1ec1u n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho bi\u1ebft: D\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 v\u00e0 \u0111ang g\u00f3p ph\u1ea7n quan tr\u1ecdng \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh th\u1ecb tr\u01b0\u1eddng, \u0111\u00e1p \u1ee9ng nhanh, k\u1ecbp th\u1eddi nhu c\u1ea7u ti\u00eau d\u00f9ng c\u1ee7a nh\u00e2n d\u00e2n v\u1edbi \u0111a d\u1ea1ng s\u1ea3n ph\u1ea9m.<\/strong><\/p>\n

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\u00d4ng \u0111\u00e1nh gi\u00e1 nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 vai tr\u00f2 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong vi\u1ec7c th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u00e0 ti\u00eau d\u00f9ng cho n\u1ec1n kinh t\u1ebf?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0So v\u1edbi h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, d\u01b0 n\u1ee3 cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng hi\u1ec7n ch\u01b0a nhi\u1ec1u, b\u1edfi v\u00ec c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng hi\u1ec7n \u0111ang t\u1eadp trung khai th\u00e1c ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng nh\u1ecf l\u1ebb v\u1edbi nh\u1eefng kho\u1ea3n vay c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf, th\u1eadm ch\u00ed t\u1eeb v\u00e0i tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean. Tuy nhi\u00ean, l\u00e2u d\u00e0i, ch\u1eafc ch\u1eafn t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng s\u1ebd t\u0103ng tr\u01b0\u1edfng kh\u00f4ng k\u00e9m g\u00ec h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

C\u00f3 th\u1ec3 n\u00f3i, k\u00eanh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u00e3 g\u00f3p ph\u1ea7n \u0111\u00e1p \u1ee9ng nhanh, k\u1ecbp th\u1eddi nhu c\u1ea7u ti\u00eau d\u00f9ng c\u1ee7a nh\u00e2n d\u00e2n v\u1edbi nh\u1eefng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 \u0111a d\u1ea1ng. Quan tr\u1ecdng h\u01a1n l\u00e0 th\u00f4ng qua k\u00eanh n\u00e0y, x\u00e3 h\u1ed9i \u0111\u00e3 d\u1ea7n \u0111\u1ea9y l\u00f9i \u0111\u01b0\u1ee3c n\u1ea1n \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111ang ho\u00e0nh h\u00e0nh, k\u00edch th\u00edch ti\u00eau d\u00f9ng, s\u1ea3n xu\u1ea5t, kinh doanh, h\u1ee3p l\u00fd h\u00f3a qu\u00e1 tr\u00ecnh lu\u00e2n chuy\u1ec3n h\u00e0ng h\u00f3a tr\u00ean th\u1ecb tr\u01b0\u1eddng. T\u00f3m l\u1ea1i, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng k\u00eanh quan tr\u1ecdng \u0111\u1ec3 th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n n\u1ec1n kinh t\u1ebf – x\u00e3 h\u1ed9i l\u00e0nh m\u1ea1nh v\u00e0 hi\u1ec7u qu\u1ea3.<\/p>\n

\u00d4ng ngh\u0129 sao v\u1ec1 mi\u1ebfng b\u00e1nh th\u1ecb ph\u1ea7n trong cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay? Li\u1ec7u r\u1eb1ng, c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u1ebfn l\u00fac ph\u1ea3i c\u1ea1nh tranh?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0Th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng \u0111\u00e3 c\u00f3 s\u1ef1 tham gia c\u1ee7a h\u00e0ng lo\u1ea1t c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, trong \u0111\u00f3 c\u00f3 c\u1ea3 nh\u1eefng c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 v\u1ed1n n\u01b0\u1edbc ngo\u00e0i v\u1edbi nhi\u1ec1u n\u0103m kinh nghi\u1ec7m ho\u1ea1t \u0111\u1ed9ng \u1edf th\u1ecb tr\u01b0\u1eddng n\u01b0\u1edbc ngo\u00e0i. Tuy nhi\u00ean, theo t\u00f4i, c\u00e1c c\u00f4ng ty n\u00e0y hi\u1ec7n nay v\u1eabn ch\u01b0a g\u1eb7p ph\u1ea3i s\u1ef1 c\u1ea1nh tranh quy\u1ebft li\u1ec7t, b\u1edfi th\u1ecb tr\u01b0\u1eddng hi\u1ec7n v\u1eabn c\u00f2n r\u1ea5t r\u1ed9ng l\u1edbn.<\/p>\n

H\u1ea7u nh\u01b0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng hi\u1ec7n m\u1edbi ch\u1ec9 t\u1eadp trung khai th\u00e1c th\u1ecb tr\u01b0\u1eddng ch\u00ednh \u1edf c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn, \u1edf c\u00e1c t\u1ec9nh th\u00e0nh kh\u00e1c, s\u1ed1 l\u01b0\u1ee3ng chi nh\u00e1nh ho\u1eb7c \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1eabn c\u00f2n qu\u00e1 m\u1ecfng. Ngay c\u1ea3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh thu\u1ed9c c\u00e1c t\u1eadp \u0111o\u00e0n kinh t\u1ebf nh\u00e0 n\u01b0\u1edbc g\u1ea7n \u0111\u00e2y c\u0169ng ch\u1ec9 m\u1edbi b\u01b0\u1edbc \u0111\u1ea7u quan t\u00e2m \u0111\u1ebfn vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i sang l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng, c\u00f2n c\u00f4ng ty n\u00e0o \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng mua l\u1ea1i ch\u1eafc ch\u1eafn s\u1ebd t\u0103ng c\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng trong th\u1eddi gian t\u1edbi. \u0110\u00f3 l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3\u00a0 c\u00f3 th\u1ec3 tin t\u01b0\u1edfng r\u1eb1ng, trong t\u01b0\u01a1ng lai, th\u1ecb tr\u01b0\u1eddng n\u00e0y s\u1ebd ng\u00e0y m\u1ed9t s\u00f4i \u0111\u1ed9ng h\u01a1n.<\/p>\n

H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng gi\u1edd \u0111\u00e2y c\u0169ng \u0111\u00e3 ch\u00fa tr\u1ecdng h\u01a1n \u0111\u1ebfn l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng. Tuy nhi\u00ean,\u00a0 m\u1ee9c \u0111\u1ed9 c\u1ea1nh tranh trong cho vay ti\u00eau d\u00f9ng gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng ch\u1eafc ch\u1eafn s\u1ebd gay g\u1eaft h\u01a1n so v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

Th\u1ef1c t\u1ebf, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 c\u00f3 l\u1ee3i th\u1ebf h\u01a1n so v\u1edbi ng\u00e2n h\u00e0ng, b\u1edfi nguy\u00ean t\u1eafc cho vay \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng bao gi\u1edd c\u0169ng ch\u1eb7t ch\u1ebd, th\u1eddi gian x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1 l\u00e2u h\u01a1n.Trong khi, c\u00e1ch l\u00e0m c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1 \u0111\u01a1n gi\u1ea3n, gi\u00fap cho kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c vay trong th\u1eddi gian ng\u1eafn, th\u1ee7 t\u1ee5c kh\u00f4ng ph\u1ee9c t\u1ea1p, d\u1ec5 d\u00e0ng \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u ti\u00eau d\u00f9ng ngay t\u1ea1i ch\u1ed7. Th\u1eadm ch\u00ed, nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p ch\u1ee9ng minh nh\u00e2n, hay h\u1ed9 kh\u1ea9u photo\u2026 l\u00e0 c\u00f3 th\u1ec3 x\u00e9t duy\u1ec7t cho vay.<\/p>\n

T\u1ea5t nhi\u00ean, v\u1edbi c\u00e1ch l\u00e0m nh\u01b0 v\u1eady th\u00ec c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 c\u00f3 th\u1ec3 cho vay nh\u1ecf l\u1ebb. Do v\u1eady, gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh v\u1eabn c\u00f3 th\u1ecb tr\u01b0\u1eddng ri\u00eang, ph\u00e2n kh\u00fac ri\u00eang.<\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay theo \u0111\u00fang ngh\u0129a \u201cvay n\u00f3ng\u201d, gi\u00fap gi\u1ea3i quy\u1ebft nhu c\u1ea7u tr\u01b0\u1edbc m\u1eaft. Ngo\u00e0i ra, do vi\u1ec7c cho vay ti\u00eau d\u00f9ng g\u1eafn ch\u1eb7t v\u1edbi vi\u1ec7c mua b\u00e1n h\u00e0ng h\u00f3a, n\u00ean nhi\u1ec1u c\u00f4ng ty s\u1eb5n s\u00e0ng cho vay v\u1edbi l\u00e3i su\u1ea5t 0% nh\u01b0ng th\u1ef1c ch\u1ea5t h\u1ecd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb ph\u1ea7n tr\u0103m d\u1ecbch v\u1ee5 b\u00e1n h\u00e0ng cho doanh nghi\u1ec7p.<\/p>\n

\u00d4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u1edf khu v\u1ef1c n\u00f4ng th\u00f4n?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0Th\u1ecb tr\u01b0\u1eddng n\u00f4ng th\u00f4n hi\u1ec7n ch\u01b0a nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u00ec nhu c\u1ea7u ti\u00eau d\u00f9ng \u1edf khu v\u1ef1c n\u00e0y c\u00f2n th\u1ea5p. H\u01a1n n\u1eefa, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u1eabn ch\u01b0a \u0111\u1ee7 m\u1ea1nh \u0111\u1ec3 ph\u1ee7 s\u00f3ng \u0111\u1ebfn c\u00e1c v\u00f9ng n\u00f4ng th\u00f4n.Ch\u1ec9 c\u00f3 m\u1ed9t v\u00e0i c\u00f4ng ty t\u00e0i ch\u00ednh l\u1edbn c\u00f3 v\u1ed1n n\u01b0\u1edbc ngo\u00e0i m\u1edbi c\u00f3 l\u1ef1c \u0111\u1ec3 v\u01b0\u01a1n xa ra c\u00e1c t\u1ec9nh l\u1ebb.Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 v\u1ed1n n\u01b0\u1edbc ngo\u00e0i n\u00e0o c\u0169ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 n\u00e0y, b\u1edfi do kh\u00f3 kh\u0103n v\u00e0 v\u01b0\u1edbng m\u1eafc v\u1ec1 quy \u0111\u1ecbnh ph\u00e1p l\u00fd.<\/p>\n

V\u1eady theo \u00f4ng, l\u1ee3i th\u1ebf l\u1edbn nh\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh so v\u1edbi ng\u00e2n h\u00e0ng hi\u1ec7n nay l\u00e0 g\u00ec?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0Theo t\u00f4i, l\u1ee3i th\u1ebf l\u1edbn nh\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh,\u00a0 ch\u00ednh l\u00e0 h\u1ecd ch\u1ea5p nh\u1eadn r\u1ee7i ro cao \u0111\u1ec3 \u0111\u1ed5i l\u1ea1i quy tr\u00ecnh th\u1ee7 t\u1ee5c cho vay nhanh v\u00e0 \u0111\u01a1n gi\u1ea3n, kh\u00f4ng \u0111\u00f2i h\u1ecfi gi\u1ea5y t\u1edd, h\u1ed3 s\u01a1 x\u00e9t duy\u1ec7t ph\u1ee9c t\u1ea1p. \u0110\u1eb7c bi\u1ec7t, quy m\u00f4 nh\u1ecf c\u0169ng gi\u00fap c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh linh ho\u1ea1t h\u01a1n trong ho\u1ea1t \u0111\u1ed9ng v\u00e0 trong vi\u1ec7c \u0111\u01b0a ra c\u00e1c g\u00f3i s\u1ea3n ph\u1ea9m cho vay.<\/p>\n

V\u1eady c\u00f2n v\u1ec1 v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t, theo \u00f4ng l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00ean \u1edf m\u1ee9c n\u00e0o l\u00e0 h\u1ee3p l\u00fd?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0V\u1ec1 v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t n\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u1ef1 quy\u1ebft \u0111\u1ecbnh, kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t tr\u1ea7n cho b\u1ea5t k\u1ef3 m\u1ed9t kho\u1ea3n vay n\u00e0o.<\/p>\n

Trong vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n, ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay c\u00f9ng th\u1ed1ng nh\u1ea5t v\u1edbi nhau v\u1ec1 l\u00e3i su\u1ea5t, theo ki\u1ec3u \u201cthu\u1eadn mua v\u1eeba b\u00e1n\u201d.<\/p>\n

Nh\u01b0 v\u1eady kh\u00f4ng h\u1ec1 c\u00f3 s\u1ef1 \u0111\u1ed9c quy\u1ec1n, kh\u00f4ng ai chi ph\u1ed1i \u1edf \u0111\u00e2y. V\u1eady t\u1ea1i sao l\u1ea1i ph\u1ea3i \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t tr\u1ea7n?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0<\/strong>L\u00e3i su\u1ea5t cao l\u00e0 do th\u1ecb tr\u01b0\u1eddng ch\u01b0a ph\u00e1t tri\u1ec3n m\u1ea1nh, m\u00f4i tr\u01b0\u1eddng kinh doanh c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh qu\u00e1 r\u1ee7i ro. T\u1ea5t nhi\u00ean ch\u00fang ta v\u1eabn c\u00f3 c\u1ea3m gi\u00e1c l\u00e0 l\u00e3i su\u1ea5t h\u01a1i qu\u00e1 cao, cho n\u00ean c\u0169ng c\u1ea7n ph\u00e2n lo\u1ea1i r\u00f5 r\u00e0ng. B\u1ea3n th\u00e2n v\u1edbi c\u00e1c kho\u1ea3n vay c\u00f3 r\u1ee7i ro cao th\u00ec m\u1ee9c l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 60-70% l\u00e0 c\u0169ng c\u00f3 l\u00fd c\u1ee7a h\u1ecd, nh\u01b0ng v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp t\u1eeb l\u01b0\u01a1ng \u0111\u1ec1u \u0111\u1eb7n, c\u00f3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c thu nh\u1eadp th\u00ec ch\u1ec9 n\u00ean \u0111\u01b0a l\u00e3i su\u1ea5t v\u1ec1 m\u1ee9c 30% l\u00e0 h\u1ee3p l\u00fd.<\/p>\n

N\u1ebfu \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t 20%\/n\u0103m c\u00f3 th\u1ec3 s\u1ebd t\u1ea1o ra nh\u1eefng t\u00e1c \u0111\u1ed9ng kh\u00f4ng t\u1ed1t \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng, ho\u1eb7c l\u00e0 m\u1ee9c tr\u1ea7n \u0111\u01b0a ra kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb \u00e1p d\u1ee5ng trong th\u1ef1c t\u1ebf do kh\u00f4ng \u0111\u1ee7 b\u00f9 \u0111\u1eafp chi ph\u00ed cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ho\u1eb7c l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 s\u1ebd thu h\u1eb9p ph\u1ea1m vi \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng.<\/p>\n

Kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, kh\u00f4ng c\u1ea7n gi\u1ea5y t\u1edd ch\u1ee9ng minh thu nh\u1eadp m\u00e0 v\u1eabn vay \u0111\u01b0\u1ee3c v\u00e0i ch\u1ee5c tri\u1ec7u, th\u1eadm ch\u00ed c\u1ea3 tr\u0103m tri\u1ec7u th\u00ec r\u00f5 r\u00e0ng c\u1ea7n ph\u1ea3i \u0111\u1ec3 cho h\u1ecd quy\u1ebft \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t ph\u00f9 h\u1ee3p, ph\u1ea3i \u0111\u1ea3m b\u1ea3o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c chi ph\u00ed v\u00e0 c\u01a1 l\u1ee3i nhu\u1eadn h\u1ee3p l\u00fd trong c\u00e1c lo\u1ea1i cho vay!<\/p>\n

Xin c\u1ea3m \u01a1n \u00f4ng!<\/em><\/p>\n

——-<\/p>\n

Ti\u1ec1n phong (Kinh t\u1ebf) 02-11-2015:<\/em><\/strong><\/p>\n

http:\/\/www.tienphong.vn\/Kinh-Te\/cho-vay-tieu-dung-cong-ty-tai-chinh-dang-nam-loi-the-927785.tpo<\/em><\/p>\n

(1.384\/1.384)","protected":false},"excerpt":{"rendered":"

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