{"id":21409,"date":"2015-03-19T16:45:17","date_gmt":"2015-03-19T09:45:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21409"},"modified":"2022-05-16T16:47:38","modified_gmt":"2022-05-16T09:47:38","slug":"661-lai-nhu-tin-dung-den-dua-nhau-cho-vay-chat-chem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/661-lai-nhu-tin-dung-den-dua-nhau-cho-vay-chat-chem\/","title":{"rendered":"661. L\u00e3i nh\u01b0 \u2018t\u00edn d\u1ee5ng \u0111en\u2019: \u0110ua nhau cho vay ch\u1eb7t ch\u00e9m"},"content":{"rendered":"(VNN) – \u00a0Nhu c\u1ea7u vay ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng l\u1edbn, l\u00e3i su\u1ea5t ch\u1eb7t ch\u00e9m, mang l\u1ea1i l\u1ee3i nhu\u1eadn cao khi\u1ebfn nhi\u1ec1u ng\u00e2n h\u00e0ng t\u00ecm c\u00e1ch nh\u1ea3y v\u00e0o l\u00e3nh \u0111\u1ecba n\u00e0y \u0111\u1ec3 t\u00ecm ki\u1ebfm l\u1ee3i nhu\u1eadn kh\u1ee7ng.<\/strong><\/p>\n

Mi\u1ebfng b\u00e1nh 10 t\u1ef7 \u0111\u00f4<\/strong><\/p>\n

T\u1ea1i Vi\u1ec7t Nam, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng hi\u1ec7n m\u1edbi chi\u1ebfm kho\u1ea3ng 6% t\u1ed5ng d\u01b0 n\u1ee3. Tuy nhi\u00ean, d\u1ecbch v\u1ee5 n\u00e0y \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n m\u1ea1nh do nhu c\u1ea7u chi ti\u00eau c\u1ee7a ng\u01b0\u1eddi d\u00e2n t\u0103ng cao. \u01af\u1edbc t\u00ednh, cho vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 chi\u1ebfm t\u1edbi 10% GDP (tr\u00ean 10 t\u1ef7 USD\/n\u0103m) trong th\u1eddi gian t\u1edbi.<\/p>\n

\u0110\u00e2y ch\u00ednh l\u00e0 mi\u1ebfng b\u00e1nh m\u00e0 nhi\u1ec1u DN v\u00e0 NH \u0111ang t\u1eadp trung ki\u1ebfm l\u1ee3i. Hi\u1ec7n t\u1ea1i, tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 kho\u1ea3ng 20 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang ho\u1ea1t \u0111\u1ed9ng nh\u01b0: PPF (Home Credit), Prudential VN, HDFinance, FE Credit… Nh\u1eefng c\u00f4ng ty \u0111ang “ph\u1ee7 s\u00f3ng” t\u1edbi h\u00e0ng ngh\u00ecn c\u1eeda h\u00e0ng b\u00e1n xe m\u00e1y, c\u00e1c si\u00eau th\u1ecb \u0111i\u1ec7n m\u00e1y… tr\u00ean c\u1ea3 n\u01b0\u1edbc \u0111\u1ec3 cho vay ti\u00eau d\u00f9ng.<\/p>\n

M\u1edbi \u0111\u00e2y, NHNN \u0111\u00e3 ch\u1ea5p thu\u1eadn ch\u1ee7 tr\u01b0\u01a1ng cho Maritime Bank mua l\u1ea1i C\u00f4ng ty t\u00e0i ch\u00ednh D\u1ec7t may, C\u00f4ng ty t\u00e0i ch\u00ednh Vinaconex Viettel s\u00e1p nh\u1eadp v\u00e0o SHB v\u00e0 Techcombank mua l\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh H\u00f3a Ch\u1ea5t, VPBank mua l\u1ea1i C\u00f4ng ty t\u00e0i ch\u00ednh Than Kho\u00e1ng s\u1ea3n Vi\u1ec7t Nam (CMF)… nh\u1eb1m t\u1ea5n c\u00f4ng m\u1ea1nh h\u01a1n v\u00e0o ph\u00e2n kh\u00fac t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n,cho vay ti\u00eau d\u00f9ng.<\/p>\n

Vi\u1ec7c ra \u0111\u1eddi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ea9y m\u1ea1nh cho vay ti\u00eau d\u00f9ng \u0111\u00e3 l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng nhu c\u1ea7u vay ti\u00eau d\u00f9ng m\u00e0 NH b\u1ecf ng\u1ecf. C\u00e1c c\u00f4ng ty n\u00e0y \u0111ang cho vay nh\u1eefng kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 vay NH. Th\u00f4ng th\u01b0\u1eddng, nh\u1eefng kh\u00e1ch h\u00e0ng ch\u1ec9 c\u00f3 th\u1ec3 vay m\u01b0\u1ee3n ng\u01b0\u1eddi th\u00e2n, ho\u1eb7c tham gia “t\u00edn d\u1ee5ng \u0111en”. Nay c\u00f4ng ty t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y c\u00f3 c\u01a1 h\u1ed9i vay v\u1ed1n v\u00e0 th\u1ecb tr\u01b0\u1eddng v\u1ed1n d\u1ea7n \u0111\u01b0\u1ee3c minh b\u1ea1ch h\u00f3a.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Nhu c\u1ea7u vay ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng l\u1edbn, l\u00e3i su\u1ea5t ch\u1eb7t ch\u00e9m, mang l\u1ea1i l\u1ee3i nhu\u1eadn cao<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1eb7c bi\u1ec7t, vay ti\u00eau d\u00f9ng qua c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 th\u1ee7 t\u1ee5c kh\u00e1 \u0111\u01a1n gi\u1ea3n, ch\u1ec9 c\u1ea7n c\u00f3 gi\u1ea5y t\u1edd t\u00f9y th\u00e2n, \u0111i l\u00e0m h\u01b0\u1edfng l\u01b0\u01a1ng, ho\u1eb7c t\u1ef1 kinh doanh… \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c vay. Theo \u0111\u00f3, m\u1ed9t ng\u01b0\u1eddi c\u00f3 vi\u1ec7c l\u00e0m thu nh\u1eadp 4,5 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng, c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c vay t\u1ed1i \u0111a t\u1edbi 500 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian 60 th\u00e1ng. V\u1edbi nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay ti\u1ec1n m\u00e0 kh\u00f4ng th\u1ec3 ti\u1ebfp v\u1ed1n ng\u00e2n h\u00e0ng th\u00ec c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng vay t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111ang gi\u00fap cho m\u1ed9t l\u01b0\u1ee3ng l\u1edbn ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay ti\u1ec1n ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng minh b\u1ea1ch. \u0110\u1ed3ng th\u1eddi, n\u00f3 gi\u00fap \u0111\u1ea9y l\u00f9i n\u1ea1n “t\u00edn d\u1ee5ng \u0111en”. Tuy nhi\u00ean, v\u1edb l\u00e3i su\u1ea5t cho vay cao t\u1edbi g\u1ea7n 100%, g\u1ea5p 10 l\u1ea7n l\u00e3i su\u1ea5t NH \u0111ang khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi cho r\u1eb1ng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay c\u0169ng kh\u00f4ng kh\u00e1c “t\u00edn d\u1ee5ng \u0111en” l\u00e0 bao.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, c\u00f3 c\u00f4ng ty cho kh\u00e1ch h\u00e0ng vay v\u1edbi l\u00e3i su\u1ea5t m\u1ee9c 0,9%\/th\u00e1ng, t\u00ednh theo d\u01b0 n\u1ee3 ban \u0111\u1ea7u, ho\u1eb7c 1,75%\/th\u00e1ng, theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi kho\u1ea3ng 21%\/n\u0103m. Nh\u01b0ng r\u1ea5t \u00edt kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c v\u1edbi l\u00e3i su\u1ea5t n\u00e0y. Ph\u1ea3i l\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 cao, r\u1ee7i ro kho\u1ea3n vay th\u1ea5p. C\u00f2n nh\u01b0 \u0111\u00e3 n\u00f3i, vay t\u00edn ch\u1ea5p ch\u1ee7 y\u1ebfu l\u00e0 ng\u01b0\u1eddi c\u00f3 c\u00f4ng vi\u1ec7c kh\u00f4ng \u1ed5n \u0111\u1ecbnh, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 d\u00e0i h\u1ea1n, n\u00ean h\u1ea7u h\u1ebft ph\u1ea3i ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t r\u1ea5t cao.<\/p>\n

L\u00e3i kh\u1ee7ng nh\u01b0 t\u00edn d\u1ee5ng \u0111en?<\/strong><\/p>\n

\u00c1p m\u1ee9c l\u00e3i su\u1ea5t cao h\u00e0ng \u0111\u1ea7u tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay c\u00f3 khi l\u00ean \u0111\u1ebfn 70% \u0111\u1ebfn tr\u00ean 80%\/n\u0103m.v\u00e0 r\u1ea5t nhi\u1ec1u kho\u1ea3n l\u00ean t\u1edbi 60%.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Nhi\u1ec1u ng\u00e2n h\u00e0ng t\u00ecm c\u00e1ch nh\u1ea3y v\u00e0o l\u00e3nh \u0111\u1ecba vay ti\u00eau d\u00f9ng \u0111\u1ec3 t\u00ecm ki\u1ebfm l\u1ee3i nhu\u1eadn kh\u1ee7ng.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

L\u00fd gi\u1ea3i v\u1ec1 cho vay l\u00e3i su\u1ea5t cao, \u0111\u1ea1i di\u1ec7n m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh cho bi\u1ebft, v\u00ec chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n v\u00f4 c\u00f9ng \u0111\u1eaft \u0111\u1ecf. Kh\u00e1c v\u1edbi ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng l\u00e3i su\u1ea5t 7-8% t\u1eeb d\u00e2n c\u01b0, ngu\u1ed3n v\u1ed1n s\u1eed d\u1ee5ng ch\u1ee7 y\u1ebfu vay l\u1ea1i t\u1eeb c\u00e1c nh\u00e0 b\u0103ng trong n\u01b0\u1edbc v\u00e0 th\u1ebf gi\u1edbi. H\u01a1n n\u1eefa v\u00ec cho vay t\u00edn ch\u1ea5p, c\u00e1c kho\u1ea3n vay kh\u00f4ng l\u1edbn, ch\u1ec9 t\u1eeb 20-40 tri\u1ec7u \u0111\u1ed3ng n\u00ean chi ph\u00ed b\u1ed9 m\u00e1y v\u00e0 th\u1ee7 t\u1ee5c kh\u00e1 t\u1ed1n k\u00e9m v\u00e0 c\u1ed3ng k\u1ec1nh. C\u00f4ng ty t\u00e0i ch\u00ednh v\u1eabn ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng c\u00e1c kho\u1ea3n cho vay nh\u01b0 ng\u00e2n h\u00e0ng. N\u00ean bu\u1ed9c ph\u1ea3i cho vay cao.<\/p>\n

Tuy nhi\u00ean, c\u00e1c chuy\u00ean gia v\u00e0 lu\u1eadt s\u01b0 v\u1eabn g\u1ecdi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb 50%\/n\u0103m tr\u1edf l\u00ean l\u00e0 ph\u1ea3n c\u1ea3m. Cao nh\u01b0 v\u1eady ch\u1eb3ng kh\u00e1c n\u00e0o \u0111i vay l\u00e3i ng\u00e0y. T\u00ednh theo c\u00e1ch t\u00ednh c\u1ee7a “t\u00edn d\u1ee5ng \u0111en” th\u00ec chi ph\u00ed vay c\u0169ng kho\u1ea3ng 1.500- 2.000 \u0111\u1ed3ng\/ng\u00e0y tr\u00ean m\u1ed9t tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI<\/em> g\u1ecdi \u0111\u00e2y l\u00e0 m\u1ee9c l\u00e3i “kinh kh\u1ee7ng”, b\u1edfi n\u00f3 g\u1ea5p c\u1ea3 ch\u1ee5c l\u1ea7n l\u00e3i cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay. Tuy nhi\u00ean, theo \u00f4ng \u0110\u1ee9c, quy \u0111\u1ecbnh trong Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010 r\u1eb1ng h\u1ecd c\u00f3 th\u1ec3 t\u1ef1 th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t, n\u00ean ch\u1eb3ng th\u1ec3 l\u00e0m g\u00ec \u0111\u01b0\u1ee3c cho d\u00f9 c\u00f3 b\u1ea5t b\u00ecnh.<\/em><\/p>\n

C\u0169ng v\u00ec c\u00f3 \u00edt c\u00f4ng ty tham gia trong khi nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng l\u1edbn, n\u00ean ch\u1ec9 trong th\u1eddi gian ng\u1eafn, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 chi\u1ebfm l\u0129nh th\u1ecb tr\u01b0\u1eddng r\u1ea5t nhanh. C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho bi\u1ebft, hi\u1ec7n c\u00f3 h\u00e0ng ngh\u00ecn kh\u00e1ch h\u00e0ng m\u1edbi k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n m\u1ed7i th\u00e1ng. H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty \u0111\u1ec1u c\u00f3 t\u1eeb 300.000 kh\u00e1ch h\u00e0ng tr\u1edf l\u00ean, th\u1eadm ch\u00ed c\u00f3 c\u00f4ng ty hi\u1ec7n c\u00f3 t\u1edbi 1,5 tri\u1ec7u kh\u00e1ch h\u00e0ng.<\/p>\n

D\u00f9 ho\u1ea1t \u0111\u1ed9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng “ng\u00e1ch” v\u1edbi c\u00e1c kho\u1ea3n vay nh\u1ecf, t\u1eeb v\u00e0i tri\u1ec7u \u0111\u1ebfn v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng, nh\u01b0ng do \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t “tr\u00ean tr\u1eddi”, l\u1ee3i nhu\u1eadn thu v\u1ec1 c\u1ee7a m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh “\u0103n \u0111\u1ee9t” nhi\u1ec1u ng\u00e2n h\u00e0ng b\u1ec1 th\u1ebf. D\u00f9 r\u1ea5t hi\u1ebfm c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f4ng b\u1ed1 l\u1ee3i nhu\u1eadn nh\u01b0ng con s\u1ed1 ng\u00e0n t\u1ef7 \u0111\u00e3 \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn.<\/p>\n

M\u1eb7c d\u00f9 n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1 cao, \u0111\u1ec1u \u1edf m\u1ee9c tr\u00ean 5%, th\u1eadm ch\u00ed c\u00f3 c\u00f4ng ty t\u1edbi 30%, nh\u01b0ng kh\u00f4ng c\u00f3 chuy\u1ec7n c\u00e1c DN n\u00e0y thua l\u1ed7. Nh\u1eadn \u0111\u1ecbnh t\u1eeb gi\u1edbi t\u00e0i ch\u00ednh cho r\u1eb1ng, cho vay ti\u00eau d\u00f9ng, l\u1ee3i nhu\u1eadn hi\u1ec7n nay th\u1ea5p nh\u1ea5t c\u0169ng \u1edf m\u1ee9c 8-10%\/n\u0103m, c\u00f2n l\u1ea1i \u0111\u1ec1u r\u1ea5t cao, kh\u00f4ng c\u00f3 ngh\u1ec1 kinh doanh n\u00e0o l\u1ea1i ph\u00e1t sinh t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cao nh\u01b0 v\u1eady.<\/p>\n

Tr\u1ea7n Th\u1ee7y<\/strong><\/p>\n

\u2014\u2014\u2014\u2014<\/p>\n

Vietnamnet (Kinh t\u1ebf) 19-3-2015:<\/em><\/strong><\/p>\n

http:\/\/m.vietnamnet.vn\/vn\/kinh-te\/226352\/lai-nhu–tin-dung-den—dua-nhau-cho-vay-chat-chem.html<\/a><\/em><\/p>\n

(68\/1.131)","protected":false},"excerpt":{"rendered":"

(VNN) – \u00a0Nhu c\u1ea7u vay ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng l\u1edbn, l\u00e3i su\u1ea5t ch\u1eb7t ch\u00e9m, mang l\u1ea1i l\u1ee3i nhu\u1eadn cao khi\u1ebfn nhi\u1ec1u ng\u00e2n h\u00e0ng t\u00ecm c\u00e1ch nh\u1ea3y v\u00e0o l\u00e3nh \u0111\u1ecba n\u00e0y \u0111\u1ec3 t\u00ecm ki\u1ebfm l\u1ee3i nhu\u1eadn kh\u1ee7ng. Mi\u1ebfng b\u00e1nh 10 t\u1ef7 \u0111\u00f4 T\u1ea1i Vi\u1ec7t Nam, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng hi\u1ec7n m\u1edbi chi\u1ebfm kho\u1ea3ng 6% t\u1ed5ng d\u01b0 […]<\/p>\n","protected":false},"author":3,"featured_media":21411,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n661. 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