{"id":22126,"date":"2013-09-24T11:18:33","date_gmt":"2013-09-24T04:18:33","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22126"},"modified":"2022-05-19T11:22:27","modified_gmt":"2022-05-19T04:22:27","slug":"362-tin-dung-tieu-dung-se-tang-nong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/362-tin-dung-tieu-dung-se-tang-nong\/","title":{"rendered":"362. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng s\u1ebd t\u0103ng \u201cn\u00f3ng\u201d?"},"content":{"rendered":"<strong>(KT\u0110T) &#8211; Trong khi s\u1ee9c c\u1ea7u v\u1eabn y\u1ebfu, doanh nghi\u1ec7p kh\u00f4ng m\u1eb7n m\u00e0 vay v\u1ed1n, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 \u1ed3 \u1ea1t ph\u00e1t tri\u1ec3n k\u00eanh cho vay ti\u00eau d\u00f9ng.<\/strong><\/p>\n<p>Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh t\u0103ng tr\u01b0\u1edfng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng trong l\u0129nh v\u1ef1c ti\u00eau d\u00f9ng t\u0103ng m\u1ea1nh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 c\u1ea3nh b\u00e1o c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i gi\u00e1m s\u00e1t ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay.<br \/>\n<strong><br \/>\n\u0110i vay \u0111\u01b0\u1ee3c ti\u1ec1n<\/strong><\/p>\n<p>T\u00edn d\u1ee5ng \u00ec \u1ea1ch t\u0103ng, th\u1eddi gian g\u1ea7n \u0111\u00e2y, c\u00e1c ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c tung ra c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t, c\u00f3 ng\u00e2n h\u00e0ng m\u1ee9c l\u00e3i su\u1ea5t cho vay \u0111\u00e3 v\u1ec1 k\u1ecbch s\u00e0n 0%\/n\u0103m.<\/p>\n<p>M\u1edbi \u0111\u00e2y nh\u1ea5t, OceanBank \u0111\u00e3 tung ra ch\u01b0\u01a1ng tr\u00ecnh &#8220;ph\u00e1 gi\u00e1 l\u00e3i su\u1ea5t&#8221; c\u00f2n 5,91% cho kh\u00e1ch h\u00e0ng vay mua nh\u00e0, mua xe, vay ti\u00eau d\u00f9ng&#8230; Theo l\u00e3nh \u0111\u1ea1o Oceanbank, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng t\u1eeb 6 &#8211; 7%\/n\u0103m, cho vay 5,91%\/n\u0103m \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u00e3 \u1edf m\u1ee9c d\u01b0\u1edbi gi\u00e1 th\u00e0nh \u0111\u1ea7u v\u00e0o. Hi\u1ec7n, ng\u00e2n h\u00e0ng n\u00e0y \u0111ang \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf duy\u1ec7t vay ph\u1ea3n h\u1ed3i si\u00eau t\u1ed1c trong 8 gi\u1edd v\u00e0 theo d\u00f5i tr\u1ea1ng th\u00e1i h\u1ed3 s\u01a1 qua internet.<\/p>\n<p>Tr\u01b0\u1edbc \u0111\u00f3, h\u00e0ng lo\u1ea1t ch\u01b0\u01a1ng tr\u00ecnh cho vay ti\u00eau d\u00f9ng l\u00e3i su\u1ea5t th\u1ea5p, th\u1eadm ch\u00ed kh\u00e1ch h\u00e0ng c\u00f2n nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n khi \u0111i vay \u0111\u00e3 \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u00e2n h\u00e0ng tri\u1ec3n khai. Techcombank th\u1ef1c hi\u1ec7n ch\u01b0\u01a1ng tr\u00ecnh t\u1eb7ng s\u1ed5 ti\u1ebft ki\u1ec7m tr\u1ecb gi\u00e1 500.000 \u0111\u1ed3ng cho 300 kh\u00e1ch h\u00e0ng gi\u1ea3i ng\u00e2n \u0111\u1ea7u ti\u00ean c\u1ee7a g\u00f3i t\u00edn d\u1ee5ng cho vay h\u1ed9 kinh doanh, vay ti\u00eau d\u00f9ng\u2026<\/p>\n<table>\n<tbody>\n<tr>\n<td><em><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-22128 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/62-1-450x256.jpg\" alt=\"\" width=\"450\" height=\"256\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/62-1-450x256.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/62-1-350x198.jpg 350w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/62-1.jpg 500w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/em><\/p>\n<p><em>Nhi\u1ec1u ng\u00e2n h\u00e0ng t\u00edch c\u1ef1c ph\u00e1t tri\u1ec3n k\u00eanh cho vay ti\u00eau d\u00f9ng. Trong \u1ea3nh: Ng\u00e2n h\u00e0ng SacomBank. \u1ea2nh: L\u00e3 Anh<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0110\u00e1ng ch\u00fa \u00fd, TienPhongBank \u0111ang \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t 0% vay ti\u00eau d\u00f9ng cho nh\u1eefng th\u00e1ng \u0111\u1ea7u. C\u1ee5 th\u1ec3, \u0111\u1ed1i v\u1edbi kho\u1ea3n vay mua \u00f4 t\u00f4 v\u00e0 mua ti\u00eau d\u00f9ng th\u1ebf ch\u1ea5p b\u1ea5t \u0111\u1ed9ng s\u1ea3n, kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t 0% trong 3 th\u00e1ng \u0111\u1ea7u cho kho\u1ea3n vay tr\u00ean 24 th\u00e1ng v\u00e0 t\u1eeb 2 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean, v\u00e0 0% trong 1 th\u00e1ng \u0111\u1ea7u cho kho\u1ea3n vay tr\u00ean 24 th\u00e1ng v\u00e0 d\u01b0\u1edbi 2 t\u1ef7 \u0111\u1ed3ng.<\/p>\n<p>Theo s\u1ed1 li\u1ec7u c\u1ee7a NHNN Vi\u1ec7t Nam, \u0111\u1ebfn cu\u1ed1i th\u00e1ng 8\/2013, t\u00edn d\u1ee5ng \u0111\u00e3 t\u0103ng 6,45% so v\u1edbi cu\u1ed1i n\u0103m 2012. \u0110\u00f3ng g\u00f3p v\u00e0o s\u1ef1 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng chung n\u00e0y l\u00e0 m\u1ea3ng cho vay ti\u00eau d\u00f9ng. \u00d4ng Nguy\u1ec5n Ho\u00e0ng Minh &#8211; Ph\u00f3 Gi\u00e1m \u0111\u1ed1c NHNN Chi nh\u00e1nh TP H\u1ed3 Ch\u00ed Minh cho bi\u1ebft, t\u00edn d\u1ee5ng cho vay c\u00e1 nh\u00e2n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng tr\u00ean \u0111\u1ecba b\u00e0n TP H\u1ed3 Ch\u00ed Minh t\u0103ng t\u1edbi 40% so v\u1edbi cu\u1ed1i n\u0103m tr\u01b0\u1edbc.<\/p>\n<p><strong>Gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng<\/strong><\/p>\n<p><em>Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI), cho vay ti\u00eau d\u00f9ng n\u1ebfu \u00e1p d\u1ee5ng \u0111\u00fang v\u00e0 \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n th\u00ec m\u1ee9c \u0111\u1ed9 r\u1ee7i ro r\u1ea5t th\u1ea5p do \u0111\u00e2y th\u01b0\u1eddng l\u00e0 c\u00e1c kho\u1ea3n vay nh\u1ecf, v\u00ec th\u1ebf ph\u00e2n t\u00e1n \u0111\u01b0\u1ee3c r\u1ee7i ro. Th\u00f4ng th\u01b0\u1eddng, kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i th\u1ebf ch\u1ea5p b\u1eb1ng ch\u00ednh t\u00e0i s\u1ea3n \u0111ang mua v\u00e0 ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 m\u1edbi \u0111\u01b0\u1ee3c vay. Tuy nhi\u00ean, \u0111\u00e1ng lo nh\u1ea5t l\u00e0 vi\u1ec7c tu\u00e2n th\u1ee7 ch\u1eb7t c\u00e1c quy tr\u00ecnh cho vay n\u00e0y nh\u01b0 th\u1ebf n\u00e0o. N\u1ebfu c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng x\u00e9t duy\u1ec7t kh\u00f4ng c\u1ea9n th\u1eadn, nguy c\u01a1 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng b\u00f9ng n\u1ed5, t\u0103ng &#8220;n\u00f3ng&#8221; nh\u01b0 nh\u1eefng n\u0103m tr\u01b0\u1edbc s\u1ebd l\u1eb7p l\u1ea1i.<br \/>\n<\/em><br \/>\nTr\u01b0\u1edbc t\u00ecnh h\u00ecnh t\u0103ng tr\u01b0\u1edfng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng trong l\u0129nh v\u1ef1c ti\u00eau d\u00f9ng t\u0103ng m\u1ea1nh, NHNN \u0111\u00e3 c\u1ea3nh b\u00e1o c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd v\u00e0 gi\u00e1m s\u00e1t ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay c\u00e1 nh\u00e2n. C\u1ee5 th\u1ec3, c\u01a1 quan n\u00e0y \u0111\u00e3 c\u00f3 C\u00f4ng v\u0103n s\u1ed1 5461\/NHNN-TTGSNH g\u1eedi NHNN chi nh\u00e1nh c\u00e1c t\u1ec9nh, TP v\u1ec1 vi\u1ec7c ki\u1ec3m tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng t\u1ea1i c\u00e1c ph\u00f2ng giao d\u1ecbch, chi nh\u00e1nh, \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng tr\u00ean \u0111\u1ecba b\u00e0n. C\u00f4ng v\u0103n quy \u0111\u1ecbnh, c\u00e1c ph\u00f2ng giao d\u1ecbch, chi nh\u00e1nh gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i c\u00f4ng khai bi\u1ec3u l\u00e3i su\u1ea5t chi ti\u1ebft \u00e1p d\u1ee5ng cho t\u1eebng nh\u00f3m s\u1ea3n ph\u1ea9m, t\u1eebng lo\u1ea1i s\u1ea3n ph\u1ea9m cho vay.V\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p sai ph\u1ea1m b\u1ecb ph\u00e1t hi\u1ec7n, NHNN chi nh\u00e1nh t\u1ec9nh, TP ph\u1ed1i h\u1ee3p v\u1edbi c\u01a1 quan thanh tra, gi\u00e1m s\u00e1t c\u1ee7a NHNN x\u1eed l\u00fd nghi\u00eam \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 h\u1ea1n ch\u1ebf r\u1ee7i ro n\u1ee3 x\u1ea5u.<\/p>\n<p><strong>\u0110inh Nguy\u1ec5n<\/strong><\/p>\n<p>(\u0110o\u00e0n Lan H\u01b0\u01a1ng)<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Kinh t\u1ebf \u0110\u00f4 th\u1ecb 24-9-2013:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/www.ktdt.vn\/kinh-te\/thi-truong-tai-chinh\/2013\/09\/8101ffd3\/tin-dung-tieu-dung-se-tang-nong\/\">http:\/\/www.ktdt.vn\/kinh-te\/thi-truong-tai-chinh\/2013\/09\/8101ffd3\/tin-dung-tieu-dung-se-tang-nong\/<\/a><\/em><\/p>\n<p><em>(115\/675)<\/em>","protected":false},"excerpt":{"rendered":"<p>(KT\u0110T) &#8211; Trong khi s\u1ee9c c\u1ea7u v\u1eabn y\u1ebfu, doanh nghi\u1ec7p kh\u00f4ng m\u1eb7n m\u00e0 vay v\u1ed1n, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 \u1ed3 \u1ea1t ph\u00e1t tri\u1ec3n k\u00eanh cho vay ti\u00eau d\u00f9ng. Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh t\u0103ng tr\u01b0\u1edfng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng trong l\u0129nh v\u1ef1c ti\u00eau d\u00f9ng t\u0103ng m\u1ea1nh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 c\u1ea3nh b\u00e1o c\u00e1c ng\u00e2n h\u00e0ng [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":22128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>362. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng s\u1ebd t\u0103ng \u201cn\u00f3ng\u201d? - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/tieng-viet-362-tin-dung-tieu-dung-se-tang-nong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]362. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng s\u1ebd t\u0103ng \u201cn\u00f3ng\u201d?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(KT\u0110T) &#8211; Trong khi s\u1ee9c c\u1ea7u v\u1eabn y\u1ebfu, doanh nghi\u1ec7p kh\u00f4ng m\u1eb7n m\u00e0 vay v\u1ed1n, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 \u1ed3 \u1ea1t ph\u00e1t tri\u1ec3n k\u00eanh cho vay ti\u00eau d\u00f9ng. 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