{"id":21776,"date":"2014-07-31T10:47:54","date_gmt":"2014-07-31T03:47:54","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21776"},"modified":"2022-05-18T11:08:42","modified_gmt":"2022-05-18T04:08:42","slug":"533-hong-quy-dinh-bao-ve-nguoi-mua-hang-tra-gop","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/533-hong-quy-dinh-bao-ve-nguoi-mua-hang-tra-gop\/","title":{"rendered":"533. H\u1ed5ng quy \u0111\u1ecbnh b\u1ea3o v\u1ec7 ng\u01b0\u1eddi mua h\u00e0ng tr\u1ea3 g\u00f3p"},"content":{"rendered":"(TV) <\/strong>–\u00a0Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean thoiviet.com.vn, chuy\u00ean gia t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ng\u01b0\u1eddi c\u00f3 kinh nghi\u1ec7m h\u01a1n 20 n\u0103m ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u1ecbnh, hi\u1ec7n ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf ch\u00ednh s\u00e1ch \u0111\u1eb7c bi\u1ec7t v\u1ec1 m\u1eb7t lu\u1eadt ph\u00e1p \u0111\u1ed1i v\u1edbi h\u00ecnh th\u1ee9c mua s\u1eafm tr\u1ea3 g\u00f3p \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/strong><\/p>\n

– Th\u01b0a \u00f4ng, c\u00f3 th\u1ec3 n\u00f3i m\u1ed9t trong nh\u1eefng c\u00f4ng ty ph\u00e1t tri\u1ec3n l\u1edbn m\u1ea1nh b\u1eb1ng h\u00ecnh th\u1ee9c mua s\u1eafm tr\u1ea3 g\u00f3p l\u00e0 C\u00f4ng ty TNHH MTV T\u00e0i ch\u00ednh PPF Vi\u1ec7t Nam (Home Credit), cho kh\u00e1ch vay mua ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n b\u1eb1ng thanh to\u00e1n tr\u1ea3 g\u00f3p. \u00d4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c mua s\u1eafm tr\u1ea3 g\u00f3p hi\u1ec7n nay?<\/em><\/p>\n

– Ph\u01b0\u01a1ng th\u1ee9c cho vay mua s\u1eafm, s\u1ebd gi\u00fap cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u01b0a c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh mua \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m \u01b0ng \u00fd, \u0111\u1ed3ng th\u1eddi n\u00f3 c\u0169ng k\u00edch th\u00edch vi\u1ec7c b\u00e1n h\u00e0ng v\u00e0 ti\u00eau th\u1ee5 h\u00e0ng h\u00f3a.<\/p>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft, hi\u1ec7n v\u1eabn c\u00f2n l\u1ed7 h\u1ed5ng \u0111\u1ed1i v\u1edbi quy \u0111\u1ecbnh b\u1ea3o v\u1ec7 ng\u01b0\u1eddi mua h\u00e0ng tr\u1ea3 g\u00f3p.<\/em><\/p>\n

Ng\u01b0\u1eddi b\u00e1n h\u00e0ng th\u00ec s\u1ebd b\u00e1n \u0111\u01b0\u1ee3c nhi\u1ec1u h\u00e0ng h\u01a1n. N\u1ebfu h\u1ecd \u0111\u1ed3ng th\u1eddi l\u00e0 ng\u01b0\u1eddi \u1ee9ng v\u1ed1n, th\u00ec c\u00f2n \u0111\u01b0\u1ee3c th\u00eam kho\u1ea3n l\u1ee3i nhu\u1eadn t\u1eeb l\u00e3i su\u1ea5t tr\u1ea3 ch\u1eadm.<\/p>\n

\u0110\u01b0\u01a1ng nhi\u00ean m\u1eb7t tr\u00e1i \u0111\u00f3 l\u00e0, ng\u01b0\u1eddi b\u00e1n h\u00e0ng c\u00f3 th\u1ec3 b\u1ecb m\u1ea5t h\u00e0ng, m\u1ea5t v\u1ed1n do kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c h\u00e0ng ho\u00e1, ti\u1ec1n h\u00e0ng.<\/p>\n

C\u00f2n ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u1ebfu kh\u00f4ng b\u1ea3o \u0111\u1ea3m kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh nh\u1ea5t \u0111\u1ecbnh, \u0111\u1ebfn k\u1ef3 h\u1ea1n kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, th\u00ec ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t r\u1ea5t cao, nh\u01b0 m\u1ed9t kho\u1ea3n ph\u1ea1t qu\u00e1 h\u1ea1n. V\u00e0 nh\u01b0 v\u1eady th\u00ec s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n, b\u1ea5t l\u1ee3i cho ng\u01b0\u1eddi mua h\u00e0ng.<\/p>\n

Nh\u1ea5t l\u00e0 tr\u01b0\u1eddng h\u1ee3p n\u1ebfu nh\u00e0 cung c\u1ea5p h\u00e0ng h\u00f3a, s\u1ea3n ph\u1ea9m c\u1ed9ng t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1eb7c c\u00e1c \u0111\u1ed1i t\u00e1c c\u00f3 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, \u0111\u1ec3 cho vay th\u00ec l\u00e3i su\u1ea5t th\u01b0\u1eddng cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t th\u00f4ng th\u01b0\u1eddng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

– Nguy\u00ean nh\u00e2n do \u0111\u00e2u m\u00e0 h\u00ecnh th\u1ee9c mua s\u1eafm tr\u1ea3 g\u00f3p ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n, v\u00e0 tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng xu h\u01b0\u1edbng mua s\u1eafm ti\u00eau d\u00f9ng hi\u1ec7n nay, th\u01b0a \u00f4ng?<\/em><\/p>\n

– Vi\u1ec7c \u00a0mua s\u1eafm tr\u1ea3 g\u00f3p l\u00e0 gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh m\u00e0 c\u00e1c b\u00ean \u0111\u1ec1u th\u1ea5y h\u1ee3p l\u00fd, c\u00e1c b\u00ean c\u00f9ng c\u00f3 l\u1ee3i. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00ec c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng chi tr\u1ea3 h\u01a1n, v\u00ec ngu\u1ed3n thu nh\u1eadp ng\u00e0y m\u1ed9t c\u1ea3i thi\u1ec7n so v\u1edbi tr\u01b0\u1edbc kia. H\u01a1n n\u1eefa, th\u00f3i quen ti\u00eau d\u00f9ng c\u0169ng thay \u0111\u1ed5i, kh\u00f4ng c\u00f2n qu\u00e1 so \u0111o, c\u00e2n nh\u1eafc mua s\u1eafm nh\u01b0 thu\u1edf n\u00e0o.<\/p>\n

Vi\u1ec7c b\u00e1n h\u00e0ng ng\u00e0y nay, \u0111ang ch\u1ecbu s\u1ee9c \u00e9p c\u1ea1nh tranh m\u1ea1nh m\u1ebd do h\u00e0ng ho\u00e1 v\u00f4 c\u00f9ng phong ph\u00fa, nhi\u1ec1u ch\u1ee7ng lo\u1ea1i, nhi\u1ec1u nh\u00e0 cung c\u1ea5p. V\u00ec v\u1eady, n\u1ebfu nh\u01b0 kh\u00f4ng c\u00f3 c\u00e1c h\u00ecnh th\u1ee9c b\u00e1n h\u00e0ng h\u1ea5p d\u1eabn th\u00ec r\u1ea5t kh\u00f3 ti\u00eau th\u1ee5 \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m.<\/p>\n

Trong khi \u0111\u00f3, ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 \u0111\u1ee7 ti\u1ec1n, \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng mua s\u1eafm h\u00e0ng h\u00f3a m\u00e0 m\u00ecnh y\u00eau th\u00edch.<\/p>\n

Thay v\u00ec \u0111i vay ng\u00e2n h\u00e0ng hay vay b\u1ea1n b\u00e8 kh\u00e1 kh\u00f3 kh\u0103n ho\u1eb7c ph\u1ea3i t\u00edch c\u00f3p r\u1ea5t l\u00e2u m\u1edbi c\u00f3 th\u1ec3 mua \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m \u01b0ng \u00fd, th\u00ec h\u1ecd c\u00f3 th\u1ec3 \u00a0d\u00f9ng ngay h\u00e0ng ho\u00e1 c\u1ee7a c\u00e1c h\u00e3ng b\u00e1n h\u00e0ng tr\u1ea3 g\u00f3p.<\/p>\n

– Kh\u00f4ng \u00edt kh\u00e1ch h\u00e0ng ph\u1ea3n \u00e1nh r\u1eb1ng, vi\u1ec7c ng\u01b0\u1eddi ti\u00eau d\u00f9ng vay ti\u1ec1n \u0111\u1ec3 mua s\u1eafm c\u00e1 nh\u00e2n, th\u1eadm ch\u00ed l\u00e0 vay mua nh\u00e0 mua xe l\u00e0 m\u1ed9t trong c\u00e1ch vay n\u1eb7ng l\u00e3i. B\u1edfi h\u1ecd ch\u1ecbu m\u1ee9c ph\u00ed ph\u1ea1t r\u1ea5t n\u1eb7ng n\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u00fang v\u00e0 \u0111\u1ee7 s\u1ed1 ti\u1ec1n h\u00e0ng th\u00e1ng. \u00dd ki\u1ebfn c\u1ee7a \u00f4ng v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

– C\u00f3 th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh \u0111\u00fang l\u00e0 nh\u01b0 th\u1ebf. V\u00ec v\u1eady, v\u1ec1 ph\u00eda ng\u01b0\u1eddi ti\u00eau d\u00f9ng, h\u1ecd c\u1ea7n xem x\u00e9t k\u1ef9 \u0111\u1ed1i t\u01b0\u1ee3ng b\u00e1n h\u00e0ng tr\u1ea3 g\u00f3p xem m\u1ee5c ti\u00eau ch\u00ednh c\u1ee7a h\u1ecd l\u00e0 g\u00ec.<\/p>\n

N\u1ebfu ch\u1ee7 y\u1ebfu h\u1ecd nh\u1eafm \u0111\u1ebfn m\u1ee5c ti\u00eau l\u00e0 b\u00e1n h\u00e0ng, th\u00ec \u0111\u00f3 l\u00e0 k\u00eanh b\u00e1n h\u00e0ng hi\u1ec7u qu\u1ea3 v\u00e0 s\u1ebd \u00edt g\u00e2y s\u1ee9c \u00e9p v\u1edbi ng\u01b0\u1eddi mua. Ng\u01b0\u1ee3c l\u1ea1i, m\u1ee5c ti\u00eau c\u1ee7a h\u1ecd nh\u1eafm t\u1edbi l\u00e3i su\u1ea5t, th\u00ec ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n ph\u1ea3i c\u1ef1c k\u1ef3 th\u1eadn tr\u1ecdng.<\/p>\n

N\u1ebfu l\u00e3i su\u1ea5t cao, th\u00ec r\u1ea5t c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng kh\u00f4ng nh\u1eefng ph\u1ea3i tr\u1ea3 l\u1ea1i h\u00e0ng, v\u00ec kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng thanh to\u00e1n, m\u00e0 c\u00f2n m\u1ea5t oan th\u00eam m\u1ed9t s\u1ed1 ti\u1ec1n cho vi\u1ec7c mua h\u00e0ng v\u00e0 tr\u1ea3 l\u00e3i.<\/p>\n

Do \u0111\u00f3, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n t\u1ef1 x\u00e1c \u0111\u1ecbnh, ch\u1ec9 khi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh \u0111\u1ee7 s\u1ee9c thanh to\u00e1n, th\u00ec m\u1edbi n\u00ean mua h\u00e0ng tr\u1ea3 g\u00f3p. N\u1ebfu ch\u01b0a bi\u1ebft l\u1ea5y g\u00ec tr\u1ea3 n\u1ee3, th\u00ec \u0111\u00f3 s\u1ebd l\u00e0 m\u1ed9t tai h\u1ecda.<\/p>\n

Ph\u1ea3i l\u01b0\u1eddng tr\u01b0\u1edbc ngu\u1ed3n ti\u1ec1n tr\u1ea3 n\u1ee3 g\u1ed1c, c\u0169ng nh\u01b0 tr\u1ea3 l\u00e3i v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i tr\u1ea3 ti\u1ec1n ph\u1ea1t ch\u1eadm tr\u1ea3. Khi \u0111\u00f3 th\u00ec \u0111\u00fang l\u00e0 kh\u00f4ng kh\u00e1c n\u00e0o \u0111i vay n\u1eb7ng l\u00e3i.<\/p>\n

–\u00a0L\u00e0 ng\u01b0\u1eddi \u0111\u00e3 t\u1eebng \u1edf c\u01b0\u01a1ng v\u1ecb Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng l\u1edbn, theo \u00f4ng, c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng cho vay tr\u1ea3 g\u00f3p nh\u01b0 Home Credit li\u1ec7u c\u00f3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i ph\u00e1p l\u00fd cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng?<\/em><\/p>\n

– Ng\u01b0\u1eddi ti\u00eau d\u00f9ng r\u1ea5t kh\u00f3 b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh, n\u1ebfu nh\u01b0 nh\u00e0 cung c\u1ea5p s\u1ea3n ph\u1ea9m tr\u1ea3 g\u00f3p \u00a0kh\u00f4ng th\u1ef1c s\u1ef1 s\u00f2ng ph\u1eb3ng v\u00e0 kh\u00f4ng ch\u01a1i \u0111\u1eb9p.<\/p>\n

M\u1eb7c d\u00f9 ph\u00e1p lu\u1eadt \u0111\u00e3 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c n\u00e0y, nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c mua tr\u1ea3 ch\u1eadm, tr\u1ea3 d\u1ea7n c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, hay quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi mua h\u00e0ng theo Lu\u1eadt b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u0103m 2010. Tuy nhi\u00ean, \u0111\u00f3 m\u1edbi ch\u1ec9 l\u00e0 v\u1ec1 ph\u00e1p l\u00fd \u0111\u01a1n thu\u1ea7n, v\u1edbi nh\u1eefng quy \u0111\u1ecbnh r\u1ea5t chung chung, ch\u01b0a \u0111i\u1ec1u ch\u1ec9nh c\u1ee5 th\u1ec3 quan h\u1ec7 mua b\u00e1n h\u00e0ng tr\u1ea3 g\u00f3p.<\/p>\n

\"\"<\/p>\n

Kh\u00e1ch h\u00e0ng c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 khi giao d\u1ecbch mua s\u1eafm b\u1ea5t k\u1ef3 s\u1ea3n ph\u1ea9m n\u00e0o. \u1ea2nh N.H<\/em><\/p>\n

C\u00f3 th\u1ec3 n\u00f3i, m\u1ed9t trong nh\u1eefng thi\u1ebfu s\u00f3t hi\u1ec7n nay, \u0111\u00f3 l\u00e0 s\u1ef1 s\u01a1 h\u1edf, thi\u1ebfu s\u00f3t v\u1ec1 ph\u00e1p lu\u1eadt. Ng\u01b0\u1eddi b\u00e1n h\u00e0ng l\u00e0 nh\u1eefng nh\u00e0 kinh doanh chuy\u00ean nghi\u1ec7p, r\u1ea5t kh\u00f3 \u0111\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u1eafng \u0111\u01b0\u1ee3c khi x\u1ea3y ra tranh ch\u1ea5p.<\/p>\n

N\u1ebfu nh\u01b0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n mua s\u1ea3n ph\u1ea9m h\u00e0ng h\u00f3a, hay ch\u1ec9 \u0111\u01a1n thu\u1ea7n vay v\u1ed1n t\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh, th\u00ec \u0111\u00e3 c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd r\u00f5 r\u00e0ng.<\/p>\n

Tuy nhi\u00ean, h\u00ecnh th\u1ee9c k\u1ebft h\u1ee3p gi\u1eefa vi\u1ec7c cho vay v\u00e0 b\u00e1n h\u00e0ng nh\u01b0 d\u1ecbch v\u1ee5 mua s\u1eafm tr\u1ea3 g\u00f3p, l\u00e0 \u0111i\u1ec1u t\u01b0\u01a1ng \u0111\u1ed1i m\u1edbi v\u00e0 g\u1ea7n nh\u01b0 ph\u00e1p lu\u1eadt c\u00f2n b\u1ecf ng\u1ecf. Vi\u1ec7c b\u00e1n h\u00e0ng tr\u1ea3 g\u00f3p v\u1edbi c\u00e1ch t\u00ednh gi\u00e1 cao, m\u00e0 th\u1ef1c ch\u1ea5t l\u00e0 l\u00e3i su\u1ea5t cao, th\u00ec ch\u01b0a c\u00f3 lu\u1eadt ph\u00e1p quy \u0111\u1ecbnh r\u00f5 r\u00e0ng.<\/p>\n

– M\u1ed9t th\u1ef1c t\u1ebf, kh\u00e1ch h\u00e0ng khi mua s\u1eafm tr\u1ea3 g\u00f3p n\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u00fang s\u1ed1 ti\u1ec1n h\u00e0ng th\u00e1ng, s\u1ebd b\u1ecb t\u00ednh th\u00eam \u00a0m\u1ee9c ph\u00ed g\u1ecdi l\u00e0 ch\u1eadm n\u1ed9p ph\u1ea1t. Kh\u00e1ch h\u00e0ng n\u1ed9p ch\u1eadm s\u1ebd b\u1ecb ph\u1ea1t t\u1eeb 250- 450 ngh\u00ecn \u0111\u1ed3ng m\u1ed7i th\u00e1ng. \u00a0S\u1ed1 ph\u1ea1t n\u00e0y c\u00f2n \u0111\u01b0\u1ee3c nh\u00e2n l\u00ean nh\u1eefng th\u00e1ng ti\u1ebfp theo. V\u1eady theo \u00f4ng c\u01a1 quan, t\u1ed5 ch\u1ee9c n\u00e0o s\u1ebd \u0111\u1ee9ng ra b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, trong tr\u01b0\u1eddng h\u1ee3p h\u1ecd ch\u1ecbu m\u1ee9c ph\u1ea1t qu\u00e1 n\u1eb7ng nh\u01b0 tr\u00ean?<\/em><\/p>\n

-Nh\u01b0 v\u1eady, kh\u00f4ng kh\u00e1c g\u00ec cho vay n\u1eb7ng l\u00e3i ki\u1ec3u x\u00e3 h\u1ed9i \u0111en ch\u1ee9 kh\u00f4ng ph\u1ea3i cho vay th\u00f4ng th\u01b0\u1eddng. Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1, th\u00ec l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 13,5%\/n\u0103m v\u00e0 t\u00ednh th\u00eam l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n th\u00ec kh\u00f4ng qu\u00e1 9%\/n\u0103m.<\/p>\n

Ri\u00eang l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng, d\u00f9 v\u1ec1 c\u01a1 b\u1ea3n kh\u00f4ng c\u00f3 kh\u1ed1ng ch\u1ebf, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf th\u01b0\u1eddng c\u0169ng ch\u1ec9 chung quanh m\u1ee9c \u0111\u00f3.<\/p>\n

Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p giao d\u1ecbch v\u1edbi l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 50 \u2013 70%, th\u1eadm ch\u00ed v\u00e0i tr\u0103m ph\u1ea7n tr\u0103m m\u1ed7i n\u0103m.<\/p>\n

V\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao nh\u01b0 th\u1ebf, th\u00ec c\u00f3 th\u1ec3 ph\u1ea1m v\u00e0o t\u1ed9i cho vay n\u1eb7ng l\u00e3i. Kh\u00f4ng nh\u1eefng th\u1ebf, vi\u1ec7c t\u00ednh l\u00e3i k\u1eb9p, t\u1ee9c l\u00e3i ch\u1ed3ng l\u00ean l\u00e3i, l\u00e3i m\u1eb9 \u0111\u1ebb l\u00e3i con c\u0169ng r\u1ea5t b\u1ea5t h\u1ee3p l\u00fd, g\u00e2y thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

To\u00e0 \u00e1n Nh\u00e2n d\u00e2n T\u1ed1i cao c\u0169ng \u0111\u00e3 t\u1eebng c\u00f3 v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn, \u0111\u1ed1i v\u1edbi vi\u1ec7c cho vay m\u01b0\u1ee3n b\u00ean ngo\u00e0i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00f9ng l\u1eafm ch\u1ec9 ch\u1ea5p nh\u1eadn m\u1ed9t l\u1ea7n nh\u1eadp g\u1ed1c v\u00e0o l\u00e3i.<\/p>\n

R\u00f5 r\u00e0ng, c\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 tr\u00e1i lu\u1eadt v\u00e0 b\u1ea5t h\u1ee3p l\u00fd \u0111\u1ed1i v\u1edbi vi\u1ec7c mua s\u1eafm tr\u1ea3 g\u00f3p, \u0111ang di\u1ec5n ra m\u1ed9t c\u00e1ch c\u00f4ng khai, ph\u1ed5 bi\u1ebfn. Th\u1ebf nh\u01b0ng hi\u1ec7n kh\u00f4ng c\u00f3 s\u1ef1 ch\u1ea5n ch\u1ec9nh c\u1ee7a c\u1ee7a c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc \u00a0\u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng. \u0110\u00f3 l\u00e0 m\u1ed9t trong thi\u1ebfu s\u00f3t, b\u1ea5t c\u1eadp trong l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

– \u00d4ng c\u00f3 t\u01b0 v\u1ea5n g\u00ec \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, tr\u01b0\u1edbc khi h\u1ecd quy\u1ebft \u0111\u1ecbnh \u00e1p d\u1ee5ng h\u00ecnh th\u1ee9c mua s\u1eafm tr\u1ea3 g\u00f3p?<\/em><\/p>\n

– Theo t\u00f4i, ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u00ean t\u1ec9nh t\u00e1o, b\u1edfi bao gi\u1edd c\u0169ng v\u1eady, \u0111\u1eb1ng sau nh\u1eefng l\u1ee3i \u00edch \u0111\u01a1n gi\u1ea3n, d\u1ec5 d\u00e0ng s\u1ebd l\u00e0 nh\u1eefng c\u1ea1m b\u1eaby r\u1ee7i ro.<\/p>\n

Kh\u00e1ch h\u00e0ng c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9, khi giao d\u1ecbch mua s\u1eafm b\u1ea5t k\u1ef3 s\u1ea3n ph\u1ea9m n\u00e0o, \u0111\u1ec3 xem c\u00f3 h\u1ee3p l\u00fd kh\u00f4ng v\u00e0 nh\u00e0 cung c\u1ea5p c\u00f3 th\u1ef1c s\u1ef1 \u0111\u00e1ng tin c\u1eady hay kh\u00f4ng.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n c\u00e2n \u0111\u1ed1i kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, \u0111\u1ec3 c\u00f3 th\u1ec3 tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i. N\u1ebfu b\u1ecb \u0111\u1ed9ng v\u1ec1 t\u00e0i ch\u00ednh th\u00ec s\u1ebd r\u1ea5t d\u1ec5 ph\u1ea3i tr\u1ea3 gi\u00e1 v\u1ec1 ti\u1ec1n b\u1ea1c.<\/p>\n

Xin tr\u00e2n tr\u1ecdng c\u1ea3m \u01a1n \u00f4ng!<\/em><\/p>\n

Ng\u1ecdc Hu\u1ec7 – H\u1ea3i Anh<\/strong><\/p>\n

——————<\/p>\n

Th\u1eddi Vi\u1ec7t (Kinh t\u1ebf) 31-7-2014:<\/em><\/strong><\/p>\n

http:\/\/thoiviet.com.vn\/kinh-te\/bai-4-hong-quy-dinh-bao-ve-nguoi-mua-hang-tra-gop-c10a376223.html<\/em><\/p>\n

(1.614\/1.614)<\/em>","protected":false},"excerpt":{"rendered":"

(TV) –\u00a0Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean thoiviet.com.vn, chuy\u00ean gia t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ng\u01b0\u1eddi c\u00f3 kinh nghi\u1ec7m h\u01a1n 20 n\u0103m ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u1ecbnh, hi\u1ec7n ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf ch\u00ednh s\u00e1ch \u0111\u1eb7c bi\u1ec7t v\u1ec1 m\u1eb7t lu\u1eadt ph\u00e1p \u0111\u1ed1i v\u1edbi h\u00ecnh th\u1ee9c mua s\u1eafm tr\u1ea3 g\u00f3p […]<\/p>\n","protected":false},"author":10,"featured_media":21794,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n533. 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