{"id":22058,"date":"2013-09-12T10:15:59","date_gmt":"2013-09-12T03:15:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22058"},"modified":"2022-05-19T10:19:47","modified_gmt":"2022-05-19T03:19:47","slug":"357-thu-nhap-tu-5-7-trieu-thang-khong-nen-dung-the-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/357-thu-nhap-tu-5-7-trieu-thang-khong-nen-dung-the-tin-dung\/","title":{"rendered":"357. Thu nh\u1eadp t\u1eeb 5 – 7 tri\u1ec7u\/th\u00e1ng: Kh\u00f4ng n\u00ean d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng"},"content":{"rendered":"(VOV.VN) – Kh\u00e1ch h\u00e0ng kh\u00f4ng quan t\u00e2m t\u1edbi l\u1ec7 ph\u00ed ch\u1eadm tr\u1ea3 v\u00e0 nhi\u1ec1u m\u1ee9c ph\u00ed kh\u00e1c s\u1ebd khi\u1ebfn th\u1ebb t\u00edn d\u1ee5ng l\u00e0 g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh.<\/strong><\/p>\n

S\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng l\u00e0 d\u1ecbch v\u1ee5 thanh to\u00e1n v\u0103n minh v\u00e0 ti\u1ec7n \u00edch hi\u1ec7n nay. T\u00ednh \u0111\u1ebfn 31\/12\/2012, to\u00e0n th\u1ecb tr\u01b0\u1eddng c\u00f3 52 t\u1ed5 ch\u1ee9c tham gia ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng v\u1edbi t\u1ed5ng s\u1ed1 l\u01b0\u1ee3ng th\u1ebb ph\u00e1t h\u00e0nh \u0111\u1ea1t g\u1ea7n 57 tri\u1ec7u th\u1ebb (t\u0103ng 38,5% so v\u1edbi n\u0103m 2011). Trong \u0111\u00f3, th\u1ebb t\u00edn d\u1ee5ng n\u1ed9i \u0111\u1ecba chi\u1ebfm t\u1ef7 tr\u1ecdng h\u01a1n 92%, th\u1ebb qu\u1ed1c t\u1ebf ch\u1ec9 chi\u1ebfm g\u1ea7n 8%.<\/p>\n

\u0110i\u1ec1u n\u00e0y cho th\u1ea5y, vi\u1ec7c s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng \u0111ang c\u00f3 xu h\u01b0\u1edbng gia t\u0103ng t\u1ea1i Vi\u1ec7t Nam. Tuy nhi\u00ean nhi\u1ec1u kh\u00e1ch h\u00e0ng d\u00f9 c\u00f3 th\u1ebb nh\u01b0ng hi\u1ec3u bi\u1ebft v\u1ec1 c\u00e1ch th\u1ee9c s\u1eed d\u1ee5ng th\u1ebb l\u1ea1i r\u1ea5t h\u1ea1n ch\u1ebf.<\/p>\n

Anh Nguy\u1ec5n Kh\u1eafc S\u01a1n, s\u1ed1ng t\u1ea1i qu\u1eadn \u0110\u1ed1ng \u0110a, H\u00e0 N\u1ed9i cho bi\u1ebft, anh \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng m\u1eddi m\u1edf th\u1ebb t\u00edn d\u1ee5ng, v\u1edbi nh\u1eefng quy\u1ec1n l\u1ee3i nh\u01b0 \u0111\u01b0\u1ee3c \u201cti\u00eau ti\u1ec1n tr\u01b0\u1edbc, tr\u1ea3 sau\u201d, \u0111\u1ed3ng th\u1eddi vi\u1ec7c \u0111\u0103ng k\u00fd kh\u00e1 d\u1ec5 d\u00e0ng. Tuy nhi\u00ean khi \u0111\u0103ng k\u00fd, anh S\u01a1n kh\u00f4ng h\u1ec1 \u0111\u01b0\u1ee3c bi\u1ebft v\u1ec1 c\u00e1c m\u1ee9c ph\u00ed kh\u00e1c khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 n\u00e0y.<\/p>\n

\u201cTh\u1ebb t\u00edn d\u1ee5ng r\u1ea5t ti\u1ec7n cho m\u00ecnh \u0111i mua s\u1eafm. Tuy nhi\u00ean t\u00f4i ch\u01b0a hi\u1ec3u r\u00f5 \u0111\u01b0\u1ee3c m\u1ee9c ph\u00ed ph\u1ea3i tr\u1ea3 nh\u01b0 th\u1ebf n\u00e0o. B\u1edfi khi l\u00e0m th\u1ebb th\u00ec nh\u00e2n vi\u00ean ch\u1ec9 cho m\u00ecnh t\u1edd khai v\u00e0 \u0111i\u1ec1n v\u00e0o \u0111\u00f3 nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean nh\u1eafc \u0111\u1ebfn m\u1ee9c ph\u00ed khi s\u1eed d\u1ee5ng\u201d, anh S\u01a1n n\u00f3i.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Th\u1ebb t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c vay n\u1ee3 \u201cti\u00eau tr\u01b0\u1edbc, tr\u1ea3 sau\u201d.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, ch\u1ecb B\u00f9i Tuy\u1ebft Nga s\u1ed1ng t\u1ea1i qu\u1eadn Hai B\u00e0 Tr\u01b0ng, H\u00e0 N\u1ed9i cho r\u1eb1ng, m\u1ed7i ng\u01b0\u1eddi n\u00ean bi\u1ebft c\u00e1ch d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng. Hi\u1ec7n nay, m\u1ee9c ph\u00ed ng\u00e2n h\u00e0ng \u0111\u01b0a ra v\u1eabn cao h\u01a1n m\u1ee9c ph\u00ed \u0111i vay v\u00ec v\u1eady ph\u1ea3i c\u00e2n nh\u1eafc trong kh\u1ea3 n\u0103ng c\u1ee7a m\u00ecnh\u201d, ch\u1ecb Nga cho bi\u1ebft.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p nh\u01b0 c\u1ee7a anh S\u01a1n ch\u1ec9 l\u00e0 m\u1ed9t trong r\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng nh\u01b0ng kh\u00f4ng h\u1ec1 bi\u1ebft \u0111\u1ebfn c\u00e1c m\u1ee9c ph\u00ed th\u01b0\u1eddng ni\u00ean ph\u1ea3i tr\u1ea3 \u0111\u1ec3 duy tr\u00ec th\u1ebb.<\/p>\n

\u00d4ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, Chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Ocean Bank cho bi\u1ebft, th\u00f4ng th\u01b0\u1eddng khi s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng, kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i tr\u1ea3 3 lo\u1ea1i ph\u00ed \u0111\u00f3 l\u00e0 ph\u00ed m\u1edf th\u1ebb, ph\u00ed duy tr\u00ec th\u1ebb v\u00e0 ph\u00ed ch\u1eadm n\u1ed9p ngo\u00e0i ra c\u00f2n c\u00f3 c\u00e1c ph\u1ee5 ph\u00ed kh\u00e1c.<\/p>\n

Tuy nhi\u00ean ph\u00ed c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c nhau, t\u00f9y theo lo\u1ea1i th\u1ebb v\u00e0 d\u1ecbch v\u1ee5 cung c\u1ea5p. \u0110\u01a1n c\u1eed, theo bi\u1ec3u ph\u00ed th\u1ebb t\u00edn d\u1ee5ng Maritime Bank Platinum, ri\u00eang m\u1ee9c ph\u00ed th\u01b0\u1eddng ni\u00ean \u0111\u1ed1i v\u1edbi m\u1ed7i th\u1ebb \u0111\u00e3 l\u00ean t\u1edbi 1,2 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m. Kh\u00e1ch h\u00e0ng mu\u1ed1n truy v\u1ea5n h\u1ea1n m\u1ee9c t\u1ea1i ATM l\u00e0 5.000 \u0111\u1ed3ng\/giao d\u1ecbch v\u00e0 m\u1ee9c ph\u00ed r\u00fat ti\u1ec1n m\u1eb7t, kho\u1ea3ng 3% t\u1ed5ng s\u1ed1 ti\u1ec1n giao d\u1ecbch.<\/p>\n

V\u1edbi Th\u1ebb t\u00edn d\u1ee5ng Techcombank Visa th\u00ec m\u1ee9c ph\u00ed r\u00fat 4%\/ t\u1ed5ng s\u1ed1 ti\u1ec1n r\u00fat. B\u00ean c\u1ea1nh \u0111\u00f3, kh\u00e1ch h\u00e0ng c\u00f2n ph\u1ea3i ch\u1ecbu ph\u00ed kh\u00e1c nh\u01b0 c\u1ea5p l\u1ea1i m\u00e3 pin 30.000 \u0111\u1ed3ng\/l\u1ea7n, ph\u00ed th\u00f4ng b\u00e1o th\u1ea5t l\u1ea1c 100.000 \u0111\u1ed3ng, ph\u00ed c\u1ea5p b\u1ea3n sao k\u00ea 80.000 \u0111\u1ed3ng\/l\u1ea7n, ph\u00ed x\u00e1c nh\u1eadn h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng 80.000 \u0111\u1ed3ng\/l\u1ea7n v\u00e0 m\u1ee9c ph\u00ed ch\u1eadm n\u1ed9p c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 6%\/ng\u00e0y t\u1ed5ng s\u1ed1 ti\u1ec1n ch\u1eadm thanh to\u00e1n.<\/p>\n

\u201cNguy\u00ean t\u1eafc khi d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng l\u00e0 m\u1ed7i m\u1ed9t th\u1ebb t\u00edn d\u1ee5ng m\u00ecnh ph\u1ea3i tr\u1ea3 cho ng\u00e2n h\u00e0ng v\u1edbi m\u1ed9t s\u1ed1 ti\u1ec1n bao nhi\u00eau \u0111\u00f3. S\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u c\u1ed9ng t\u1ea5t c\u1ea3 c\u00e1c th\u1ebb v\u00e0 c\u00e1c s\u1ed1 n\u1ee3 kh\u00e1c nh\u01b0 n\u1ee3 mua nh\u00e0, n\u1ee3 mua xe v\u00e0 c\u00e1c n\u1ee3 kh\u00e1c k\u1ec3 c\u1ea3 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng kh\u00f4ng n\u00ean qu\u00e1 50% thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a m\u1ed7i ng\u01b0\u1eddi. Nh\u1eefng ng\u01b0\u1eddi n\u00e0o tr\u1ea3 th\u1ebb t\u00edn d\u1ee5ng tr\u00ean 50% thu nh\u1eadp s\u1ebd l\u00e0 r\u1ea5t nguy hi\u1ec3m, c\u00f3 th\u1ec3 \u0111\u01b0a m\u00ecnh \u0111\u1ebfn t\u00ecnh tr\u1ea1ng ph\u00e1 s\u1ea3n v\u00e0 n\u1ee3 n\u1ea7n\u201d, \u00f4ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu \u0111\u01b0a ra c\u1ea3nh b\u00e1o.<\/p>\n

\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI cho r\u1eb1ng, vi\u1ec7c khuy\u1ebfn kh\u00edch s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng l\u00e0 ch\u00ednh \u0111\u00e1ng nh\u01b0ng kh\u00f4ng ph\u1ea3i kh\u00e1ch h\u00e0ng n\u00e0o c\u0169ng th\u00edch h\u1ee3p s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng.<\/em><\/p>\n

Hi\u1ec7n nay, do ch\u1ea1y theo doanh s\u1ed1 n\u00ean nhi\u1ec1u Ng\u00e2n h\u00e0ng d\u1ec5 d\u00e3i trong vi\u1ec7c m\u1edf th\u1ebb t\u00edn d\u1ee5ng, ch\u1ec9 cung c\u1ea5p nh\u1eefng \u01b0u \u0111i\u1ec3m c\u1ee7a s\u1ea3n ph\u1ea9m m\u00e0 qu\u00ean \u0111i nh\u1eefng nh\u01b0\u1ee3c \u0111i\u1ec3m. Ch\u00ednh v\u00ec v\u1eady kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7 \u0111\u1ec3 c\u00e2n nh\u1eafc vi\u1ec7c s\u1eed d\u1ee5ng th\u1ebb, d\u1eabn \u0111\u1ebfn nhi\u1ec1u h\u1ec7 l\u1ee5y.<\/em><\/p>\n

V\u00ec v\u1eady, theo \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, hi\u1ec7n nay, t\u1ea1i Vi\u1ec7t Nam th\u1ebb t\u00edn d\u1ee5ng ch\u1ec9 th\u00edch h\u1ee3p v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao v\u00e0 \u1ed5n \u0111\u1ecbnh v\u00e0 th\u01b0\u1eddng xuy\u00ean \u0111i mua s\u1eafm \u1edf nh\u1eefng n\u01a1i s\u1eed d\u1ee5ng th\u1ebb.<\/em><\/p>\n

\u201cThu nh\u1eadp ph\u1ea3i h\u00e0ng ch\u1ee5c tri\u1ec7u\/th\u00e1ng v\u00e0 th\u01b0\u1eddng xuy\u00ean mua s\u1eafm t\u1ea1i c\u00e1c trung t\u00e2m l\u1edbn, gi\u00e1 c\u1ea3 h\u00e0ng h\u00f3a t\u01b0\u01a1ng \u0111\u1ed1i chu\u1ea9n v\u00e0 c\u00f3 thi\u1ebft b\u1ecb \u0111\u1ec3 \u0111\u1ecdc c\u00f3 h\u00f3a \u0111\u01a1n ch\u1ee9ng t\u1eeb b\u1ea3o \u0111\u1ea3m ch\u00ednh th\u1ed1ng ch\u00ednh ng\u1ea1ch th\u00ec m\u1edbi c\u00f3 t\u00e1c d\u1ee5ng. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng thu nh\u1eadp 5-7 tri\u1ec7u\/th\u00e1ng th\u00ec kh\u00f4ng n\u00ean d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng, th\u1eadm ch\u00ed nhi\u1ec1u n\u01a1i ng\u01b0\u1eddi ta ch\u1ea5p nh\u1eadn thanh to\u00e1n th\u1ebb c\u00f3 khi ng\u01b0\u1eddi ta l\u1ea1i c\u1ed9ng th\u00eam ph\u00ed n\u1eefa th\u00ec t\u1ef1 d\u01b0ng \u0111\u00e3 \u00edt ti\u1ec1n r\u1ed3i l\u1ea1i c\u1ed9ng th\u00eam v\u00e0i ph\u1ea7n tr\u0103m cho vi\u1ec7c s\u1eed d\u1ee5ng th\u1ebb n\u1eefa th\u00ec \u0111i\u1ec1u \u0111\u1ea5y r\u1ea5t c\u00e2n nh\u1eafc\u201d, \u00f4ng \u0110\u1ee9c cho hay.<\/em><\/p>\n

S\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c vay n\u1ee3 \u201cti\u00eau tr\u01b0\u1edbc, tr\u1ea3 sau\u201d, r\u1ea5t d\u1ec5 \u0111\u1ebfn t\u00e2m l\u00fd chi ti\u00eau tho\u1ea3i m\u00e1i. Do \u0111\u00f3, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n t\u00ednh to\u00e1n k\u1ef9 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, v\u00ec n\u1ebfu kh\u00f4ng thanh to\u00e1n \u0111\u01b0\u1ee3c \u0111\u00fang h\u1ea1n, th\u00ec s\u1ebd ph\u1ea3i ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t cao g\u1ea5p r\u01b0\u1ee1i, th\u1eadm ch\u00ed g\u1ea5p \u0111\u00f4i vay n\u1ee3 th\u00f4ng th\u01b0\u1eddng.<\/em><\/p>\n

Ngo\u00e0i ra, ng\u01b0\u1eddi vay c\u00f2n c\u00f3 th\u1ec3 b\u1ecb r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng c\u00f3 n\u1ee3 x\u1ea5u, s\u1ebd b\u1ecb m\u1ea5t \u0111i\u1ec3m khi c\u1ea7n vay v\u1ed1n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng c\u0169ng c\u1ea7n ph\u1ed5 bi\u1ebfn v\u00e0 h\u01b0\u1edbng d\u1eabn cho m\u1ed7i kh\u00e1ch h\u00e0ng bi\u1ebft chi\u1ebfc th\u1ebb m\u00e0 h\u1ecd \u0111ang s\u1edf h\u1eefu c\u00f3 ch\u1ee9c n\u0103ng g\u00ec, ph\u1ea3i tr\u1ea3 ph\u00ed c\u1ee5 th\u1ec3 nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng th\u1ebb t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh g\u00e1nh n\u1eb7ng cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng.\/.<\/em><\/p>\n

H\u1ea3i Y\u1ebfn\/VOV – Trung t\u00e2m Tin<\/strong><\/p>\n

—————–<\/p>\n

VOV ng\u00e0y 12-9-2013:<\/em><\/strong><\/p>\n

http:\/\/vov.vn\/Kinh-te\/Thu-nhap-tu-5-7-trieuthang-Khong-nen-dung-the-tin-dung\/280338.vov<\/a><\/em><\/p>\n

(393\/1.095)<\/em>","protected":false},"excerpt":{"rendered":"

(VOV.VN) – Kh\u00e1ch h\u00e0ng kh\u00f4ng quan t\u00e2m t\u1edbi l\u1ec7 ph\u00ed ch\u1eadm tr\u1ea3 v\u00e0 nhi\u1ec1u m\u1ee9c ph\u00ed kh\u00e1c s\u1ebd khi\u1ebfn th\u1ebb t\u00edn d\u1ee5ng l\u00e0 g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh. S\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng l\u00e0 d\u1ecbch v\u1ee5 thanh to\u00e1n v\u0103n minh v\u00e0 ti\u1ec7n \u00edch hi\u1ec7n nay. T\u00ednh \u0111\u1ebfn 31\/12\/2012, to\u00e0n th\u1ecb tr\u01b0\u1eddng c\u00f3 52 t\u1ed5 ch\u1ee9c tham […]<\/p>\n","protected":false},"author":3,"featured_media":22061,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n357. 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