{"id":22144,"date":"2014-09-29T11:34:30","date_gmt":"2014-09-29T04:34:30","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22144"},"modified":"2022-05-19T14:56:07","modified_gmt":"2022-05-19T07:56:07","slug":"564-vay-tieu-dung-ve-cong-ty-tai-chinh-dung-ep-duyen-khi-tinh-chua-chin","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/564-vay-tieu-dung-ve-cong-ty-tai-chinh-dung-ep-duyen-khi-tinh-chua-chin\/","title":{"rendered":"564. Vay ti\u00eau d\u00f9ng v\u1ec1 c\u00f4ng ty t\u00e0i ch\u00ednh: \u0110\u1eebng \u201c\u00e9p duy\u00ean\u201d khi \u201ct\u00ecnh ch\u01b0a ch\u00edn\u201d"},"content":{"rendered":"(FC) – Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c CTTC \u0111ang \u201ctranh t\u1ed1i, tranh s\u00e1ng\u201d v\u1ec1 l\u00e3i su\u1ea5t, thi\u1ebfu qu\u1ea3n l\u00fd n\u00ean qu\u1ea3n l\u00fd – thu h\u1ed3i n\u1ee3 c\u1ee7a CTTC \u0111ang ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro cho th\u1ecb tr\u01b0\u1eddng<\/strong><\/p>\n

Trong khi d\u1ecbch v\u1ee5 vay ti\u00eau d\u00f9ng (VTD) \u0111ang n\u1edf r\u1ed9 v\u00e0 g\u1eb7t h\u00e1i \u0111\u01b0\u1ee3c nhi\u1ec1u k\u1ebft qu\u1ea3 \u1edf c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM), Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u01b0a ra d\u1ef1 th\u1ea3o y\u00eau c\u1ea7u c\u00e1c NH n\u00e0y ph\u1ea3i l\u1eadp CTTC m\u1edbi \u0111\u01b0\u1ee3c cho vay.\u00a0\u0110\u1ed3ng ngh\u0129a, kh\u00f4ng c\u00f3 c\u00e1c CTTC, NHTM s\u1ebd ph\u1ea3i t\u1ea1m bi\u1ec7t v\u1edbi l\u0129nh v\u1ef1c cho vay n\u00e0y.\u00a0R\u1ea5t nhi\u1ec1u \u00fd ki\u1ebfn tr\u00e1i chi\u1ec1u v\u1ec1 quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra, nghi ng\u1edd t\u00ednh hi\u1ec7u qu\u1ea3 c\u1ea3 v\u1ec1 l\u00fd thuy\u1ebft v\u00e0 th\u1ef1c ti\u1ec5n.<\/p>\n

Hi\u1ec7n c\u00e1c CTTC cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn T\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh PPF qua Home credit; D\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng Kh\u1ed1i T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam Th\u1ecbnh v\u01b0\u1ee3ng (VP Bank) FE Credit v\u00e0 C\u00f4ng ty TNHH Th\u01b0\u01a1ng m\u1ea1i ACS Vi\u1ec7t Nam.<\/p>\n

Ng\u00e2n h\u00e0ng: ch\u00fang t\u00f4i \u0111ang b\u1ecb \u201c\u00e9p duy\u00ean\u201d<\/strong><\/b><\/p>\n

Theo 1 l\u00e3nh \u0111\u1ea1o NHTM l\u1edbn, d\u01b0 \u0111\u1ecba t\u00edn d\u1ee5ng CVTD \u0111ang \u0111\u01b0\u1ee3c tr\u00f4ng ch\u1edd l\u00e0 n\u01a1i h\u1ecd c\u00f3 th\u1ec3 ho\u00e0n th\u00e0nh m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a n\u0103m. L\u0129nh v\u1ef1c n\u00e0y \u0111ang \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng l\u1edbn v\u00e0 r\u1ea5t ti\u1ec1m n\u0103ng n\u1ebfu NH bi\u1ebft ch\u1ecdn l\u1ef1a \u0111\u1ed1i t\u01b0\u1ee3ng cho vay c\u00f9ng c\u00e1c quy \u0111\u1ecbnh c\u1ee7a m\u00ecnh. T\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng t\u0103ng g\u1ea5p 2 th\u1eadm ch\u00ed 3 l\u1ea7n so v\u1edbi t\u00edn d\u1ee5ng doanh nghi\u1ec7p d\u00f9 l\u01b0\u1ee3ng v\u1ed1n gi\u1ea3i ng\u00e2n ch\u1ec9 g\u1ea7n b\u1eb1ng so v\u1edbi c\u00e1c ng\u00e0nh \u201chot\u201d kh\u00e1c,\u0111i\u1ec1u \u0111\u00f3 ch\u1ee9ng t\u1ecf c\u1ea7u l\u0129nh v\u1ef1c n\u00e0y r\u1ea5t l\u1edbn\u201d.<\/p>\n

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Ch\u00ednh v\u1ec1 vi\u1ec7c thi\u1ebfu c\u00e1c c\u01a1 ch\u1ebf, c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c CTTC, s\u1ef1 b\u1eaft\u00a0\u00a0tay h\u00e0ng lo\u1ea1t c\u1ee7a c\u00e1c CTTC v\u1edbi c\u00e1c DN b\u00e1n l\u1ebb \u0111\u00e3 v\u00e0 \u0111ang g\u00e2y h\u1ea1i cho th\u1ecb tr\u01b0\u1eddng v\u00e0 t\u1ed5n th\u01b0\u01a1ng ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/em><\/p>\n

NHNN mu\u1ed1n \u0111\u01b0a: \u201cCCTD v\u00e0o \u201ckhu\u00f4n kh\u1ed5\u201d nh\u1edd v\u00e0o v\u1ec1 CTTC th\u00ec d\u1ec5 cho h\u1ecd, nh\u01b0ng \u0111\u1ea9y kh\u00f3 cho c\u00e1c NHTM, th\u1eadm ch\u00ed c\u00f3 th\u1ec3 gi\u1ebft ch\u1ebft l\u0129nh v\u1ef1c n\u00e0y khi\u1ebfn th\u1ecb tr\u01b0\u1eddng ph\u00e1t sinh nhi\u1ec1u v\u1ea5n \u0111\u1ec1. NHTM l\u1ea1i ph\u1ea3i l\u1eadp CTTC (trong khi \u0111\u00e2u ph\u1ea3i NH n\u00e0o c\u0169ng c\u00f3 s\u1eb5n ho\u1eb7c c\u00f3 l\u1ef1c \u0111\u1ec3 l\u1eadp CTTC). N\u1ebfu mu\u1ed1n \u0111\u1ea9y t\u00edn d\u1ee5ng CVTD l\u1ea1i ph\u1ea3i mua l\u1ea1i c\u00e1c CTTC kh\u00e1c, cu\u1ed9c chi\u1ebfn s\u0103n l\u00f9ng CTTC s\u1ebd quy\u1ebft li\u1ec7t v\u00e0 \u0111\u00e2y l\u00e0 \u0111i\u1ec1u ch\u00fang t\u00f4i kh\u00f4ng mong mu\u1ed1n trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay. Th\u1ee9 hai l\u00e0, c\u00e1c CTTC hi\u1ec7n nay ch\u01b0a c\u00f3 t\u00ean tu\u1ed5i, th\u01b0\u01a1ng hi\u1ec7u v\u00e0 v\u1eabn ho\u1ea1t \u0111\u1ed9ng theo ki\u1ec3u \u201c\u0103n x\u1ed5i\u201d\u2026. gi\u00e1 tr\u1ecb th\u01b0\u01a1ng hi\u1ec7u kh\u00f4ng c\u00f3, n\u00ean r\u1ea5t kh\u00f3 mua b\u00e1n v\u00e0 cho vay n\u1ebfu mua v\u1ec1. Th\u1ee9 ba l\u00e0 s\u1ebd ph\u1ea3i l\u00e0m 1 cu\u1ed9c \u201cc\u00e1ch m\u1ea1ng\u201d \u0111\u1ec3 c\u1ea3i t\u1ed5 c\u00e1c CTTC n\u00e0y \u0111\u1ec3 c\u00f3 th\u1ec3 chu\u1ea9n h\u00f3a ho\u1ea1t \u0111\u1ed9ng CVTD, s\u1ebd r\u1ea5t m\u1ea5t c\u00f4ng, m\u1ea5t th\u1eddi gian v\u00e0 t\u1ed1n ti\u1ec1n c\u1ee7a. Cu\u1ed1i c\u00f9ng, c\u00f3 tr\u00f4ng ch\u1edd v\u00e0 hy v\u1ecdng \u0111\u01b0a CVTD v\u1ec1 CTTC s\u1ebd qu\u1ea3n \u0111\u01b0\u1ee3c ho\u1eb7c tr\u00e1nh r\u1ee7i ro v\u1ed1n, t\u00e1ch n\u1ee3 x\u1ea5u kh\u1ecfi h\u1ec7 th\u1ed1ng NH? \u0110a s\u1ed1 c\u00e1c CTTC hi\u1ec7n non y\u1ebfu v\u00e0 qu\u1ea3n tr\u1ecb k\u00e9m, kh\u00f4ng th\u1ec3 l\u00e0m l\u00e0nh m\u1ea1nh h\u00f3a th\u1ecb tr\u01b0\u1eddng n\u00e0y \u0111\u01b0\u1ee3c, trao cho h\u1ecd h\u1ebft quy\u1ec1n kh\u00e1c g\u00ec t\u1ea1o \u0111\u1ea5t cho h\u1ecd \u201cm\u1eb7c s\u1ee9c di\u1ec5n\u201d.<\/p>\n

C\u00f9ng quan \u0111i\u1ec3m \u1ea5y, \u0111\u1eb7t c\u00e2u h\u1ecfi v\u00e0 r\u1ea5t nhi\u1ec1u b\u0103n kho\u0103n: li\u1ec7u khi chuy\u1ec3n h\u1ebft cho vay ti\u00eau d\u00f9ng v\u1ec1 CTTC, c\u00f3 th\u1ef1c s\u1ef1 d\u1ec5 qu\u1ea3n l\u00fd, kh\u00f4ng ph\u00e1t sinh n\u1ee3 x\u1ea5u? Th\u1ef1c s\u1ef1 NHNN mu\u1ed1n gom v\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd th\u1ecb tr\u01b0\u1eddng n\u00e0y b\u1eb1ng ch\u00ednh s\u00e1ch c\u1ee9ng v\u00e0 lu\u1eadt l\u1ec7 trong b\u1ed1i c\u1ea3nh, cho vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c CTTC \u0111ang d\u1ea7n l\u1ed9 qu\u00e1 nhi\u1ec1u \u0111i\u1ec3m x\u1ea5u, n\u1ebfu kh\u00f4ng n\u00f3i l\u00e0 g\u00e2y b\u1ea5t m\u00e3n cho ng\u01b0\u1eddi vay. Theo quan \u0111i\u1ec3m c\u1ee7a TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu: Hi\u1ec7n, c\u01a1 ch\u1ebf cho vay ti\u00eau d\u00f9ng c\u1ee7a NHTM h\u01a1n \u0111\u1ee9t c\u00e1c CTTC. H\u1ecd c\u00f3 kinh nghi\u1ec7m, c\u00f3 h\u1ec7 th\u1ed1ng th\u1ea9m \u0111\u1ecbnh, c\u00f3 c\u00e1c c\u00f4ng c\u1ee5 ch\u1eb7t ch\u1ebd h\u01a1n c\u00e1c CTTC v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ecd c\u0169ng tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a NHNN. C\u00f2n c\u00e1c CTTC th\u00ec sao? C\u01a1 ch\u1ebf l\u1ecfng l\u1ebbo, vi\u1ec7c qu\u1ea3n l\u00fd n\u1ee3 – thu h\u1ed3i n\u1ee3 \u0111ang r\u1ea5t \u201cnghi\u1ec7p d\u01b0\u201d khi\u1ebfn m\u00e2u thu\u1eabn r\u1ea5t l\u1edbn. N\u1ebfu co r\u1ee5m cho vay ti\u00eau d\u00f9ng v\u1ec1 CTTC, b\u1eaft bu\u1ed9c ch\u00fang ta ph\u1ea3i so\u1ea1n lu\u1eadt, quy \u0111\u1ecbnh v\u00e0 ch\u1ebf t\u00e0i \u0111\u1ed1i v\u1edbi c\u00e1c CTTC, kh\u00f4ng th\u1ec3 \u0111\u1ec3 hi\u1ec7n t\u01b0\u1ee3ng: tranh s\u00e1ng, tranh t\u1ed1i, c\u01a1 h\u1ed9i cho c\u00e1c CTTC mu\u1ed1n l\u00e0m g\u00ec c\u0169ng \u0111\u01b0\u1ee3c.<\/p>\n

Theo quan \u0111i\u1ec3m c\u1ee7a Chuy\u00ean gia t\u00e0i ch\u00ednh TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, c\u1ea7u v\u1ed1n vay ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t \u0111ang r\u1ea5t l\u1edbn v\u00ec \u0111\u1eddi s\u1ed1ng \u0111ang l\u00ean cao, thu nh\u1eadp t\u0103ng, ng\u01b0\u1eddi ta c\u00f3 quy\u1ec1n ngh\u0129 \u0111\u1ebfn nh\u1eefng c\u00e1i l\u1edbn lao. \u0110\u00e2y c\u0169ng l\u00e0 xu h\u01b0\u1edbng c\u1ee7a c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi. \u201cNh\u01b0ng \u1edf n\u01b0\u1edbc ngo\u00e0i, c\u00e1c NHTM \u0111\u1ec1u \u0111\u01b0\u1ee3c quy\u1ec1n cho vay, c\u1ea3 m\u00f3n to, m\u00f3n nh\u1ecf kh\u00f4ng ph\u00e2n bi\u1ec7t \u0111\u1ed1i t\u01b0\u1ee3ng. Theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf th\u00ec nh\u1eefng m\u00f3n vay l\u1edbn thu\u1ed9c v\u1ec1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, m\u00f3n vay nh\u1ecf d\u00e0nh cho CTTC. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng vay c\u00f3 ch\u1ee9ng minh t\u00e0i ch\u00ednh, thu nh\u1eadp, kh\u00f4ng c\u00f3 l\u1ecbch s\u1eed n\u1ee3 x\u1ea5u, c\u00f3 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ed1t\u2026th\u00ec thu\u1ed9c v\u1ec1 ng\u00e2n h\u00e0ng, c\u00f2n \u1edf b\u00ean c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec h\u1ecd c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn nh\u1eefng c\u00e1 nh\u00e2n c\u00f3 \u0111\u1ed9 r\u1ee7i ro cao h\u01a1n\u201d \u00f4ng Hi\u1ebfu cho bi\u1ebft.<\/p>\n

\u201cT\u00ecnh\u201d c\u00f2n ch\u01b0a ch\u00edn!<\/strong><\/b><\/p>\n

X\u00e9t v\u1ec1 c\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng, kh\u1ea3 n\u0103ng qu\u1ea3n tr\u1ecb, c\u00e1c CTTC t\u1ea1i Vi\u1ec7t Nam c\u00f2n qu\u00e1 non n\u1edbt v\u1ec1 \u0111\u1ed9 tu\u1ed5i c\u0169ng nh\u01b0 v\u1ec1 ch\u1ed7 \u0111\u1ee9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng. Hi\u1ec7n t\u01b0\u1ee3ng cho vay sai \u0111\u1ed1i t\u01b0\u1ee3ng, l\u1ecfng l\u1ebbo trong quy \u0111\u1ecbnh v\u00e0 \u201cch\u1ea1y \u0111ua t\u00edn d\u1ee5ng\u201d \u2013 kh\u00e1 gi\u1ed1ng v\u1edbi vi\u1ec7c giao ch\u1ec9 ti\u00eau gi\u1ea3i ng\u00e2n t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u00edn d\u1ee5ng doanh nghi\u1ec7p t\u1ea1i c\u00e1c NHTM th\u1eddi gian tr\u01b0\u1edbc\u2026 \u0111\u00e3 v\u00e0 \u0111ang khi\u1ebfn th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng bi\u1ebfn t\u01b0\u1edbng.<\/p>\n

Theo chuy\u00ean gia Kinh t\u1ebf B\u00f9i Ki\u1ebfn Th\u00e0nh: t\u00ecnh tr\u1ea1ng nh\u00e1 nhem l\u00e3i su\u1ea5t, ng\u01b0\u1eddi ti\u00eau d\u00f9ng m\u1eadp m\u1edd v\u1edbi h\u1ee3p \u0111\u1ed3ng vay, c\u00e1ch t\u00ednh l\u00e3i \u0111ang l\u00e0 \u201c\u0111i\u1ec3m b\u1eaby\u201d c\u1ef1c k\u1ef3 nguy h\u1ea1i cho \u0111\u1eddi s\u1ed1ng t\u00e0i ch\u00ednh c\u0169ng nh\u01b0 ni\u1ec1m tin ng\u01b0\u1eddi d\u00e2n. C\u00e1c CTTC hi\u1ec7n nay kh\u00f4ng b\u1ecb qu\u1ea3n th\u00fac b\u1edfi Lu\u1eadt T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1ec1 l\u00e3i su\u1ea5t n\u00ean h\u1ea7u h\u1ebft \u00e1p l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng. T\u00ecnh tr\u1ea1ng n\u00e0y khi\u1ebfn m\u1ea1nh ai n\u1ea5y l\u00e0m, ho\u1ea1t \u0111\u1ed9ng l\u1ed9n x\u1ed9n, b\u00e1t nh\u00e1o khi\u1ebfn th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC kh\u00f4ng bi\u1ebft \u0111\u1ecbnh ngh\u0129a nh\u01b0 n\u00e0o cho chu\u1ea9n: Qu\u00e1 b\u00e1t nh\u00e1o v\u00e0 g\u00e2y m\u1ea7m b\u1ec7nh v\u1ec1 sau cho n\u1ec1n t\u00e0i ch\u00ednh. B\u00ean c\u1ea1nh \u0111\u00f3, ng\u01b0\u1eddi \u0111i vay – \u0111\u1ed1i t\u01b0\u1ee3ng ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1ed1n hi\u1ec7n v\u1eabn ch\u01b0a hi\u1ec3u r\u00f5 nh\u1eefng nguy c\u01a1 r\u1ee7i ro t\u1eeb l\u00e3i su\u1ea5t, c\u01a1 ch\u1ebf tr\u1ea3 n\u1ee3 l\u00e3i g\u1ed9p (l\u00e3i g\u1ed1c+ l\u00e3i tr\u1ea3 h\u00e0ng th\u00e1ng) n\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u00fang h\u1eb9n.<\/p>\n

Hi\u1ec7n nay, c\u00e1c CTTC \u0111ang \u0111i s\u00e2u v\u00e0o chu\u1ed7i b\u00e1n l\u1ebb \u0111i\u1ec7n m\u00e1y, \u0111\u1ed3 ti\u00eau d\u00f9ng, \u0111\u1ed3 gia d\u1ee5ng \u1edf kh\u1eafp c\u00e1c si\u00eau th\u1ecb tr\u00ean c\u1ea3 n\u01b0\u1edbc. CTTC c\u00f3 c\u01a1 h\u1ed9i gi\u1ea3i ng\u00e2n v\u1ed1n, DN b\u00e1n l\u1ebb, ph\u00e2n ph\u1ed1i tranh th\u1ee7 l\u01b0\u1ee3ng v\u1ed1n tr\u00ean \u0111\u1ec3 khuy\u1ebfn kh\u00edch s\u1ee9c mua. N\u1ebfu \u0111\u01a1n thu\u1ea7n, vi\u1ec7c k\u1ebft h\u1ee3p n\u00e0y \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn tuy nhi\u00ean, trong th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay, ph\u1ea7n \u0111\u00f4ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ebfn c\u00e1c trung t\u00e2m \u0111i\u1ec7n m\u00e1y\u2026 h\u1ecd kh\u00f4ng \u0111\u1ec3 \u00fd \u0111\u1ebfn c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t, cho\u00e1ng ng\u1ee3p v\u1edbi c\u00e1c t\u01b0 v\u1ea5n, thuy\u1ebft ph\u1ee5c n\u00ean v\u00f4 t\u00ecnh \u201cm\u1eafc b\u1eaby\u201d v\u00e0o tr\u00f2 ch\u01a1i v\u1ed1n r\u1ebb c\u1ee7a c\u00e1c CTTC.<\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng x\u00e9t v\u1ec1 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd, trong c\u00e1c th\u1ee7 t\u1ee5c h\u00f3a \u0111\u01a1n vay v\u1ed1n, ch\u1ee9ng t\u1eeb vay v\u00e0 cho vay v\u1ed1n ti\u00eau d\u00f9ng, c\u00e1c h\u00e3ng \u0111i\u1ec7n m\u00e1y v\u00f4 can v\u00ec h\u1ecd kh\u00f4ng tr\u1ef1c ti\u1ebfp \u0111\u00fang ra gi\u00e0n x\u1ebfp v\u00e0 kh\u00f4ng l\u00e0 b\u00ean n\u00e0o trong h\u1ee3p \u0111\u1ed3ng vay, b\u00ean A v\u00e0 B ch\u1ec9 l\u00e0 ng\u01b0\u1eddi vay v\u00e0 CTTC. Tuy nhi\u00ean, c\u1ea7n xem l\u1ea1i s\u1ef1 h\u1ee3p t\u00e1c c\u1ee7a c\u00e1c CTTC t\u1ea1i c\u00e1c h\u00e3ng \u0111i\u1ec7n m\u00e1y xem \u0111\u00e3 ph\u00f9 h\u1ee3p v\u1edbi ph\u00e1p lu\u1eadt hay ch\u01b0a, c\u00e1c h\u00e3ng \u0111i\u1ec7n m\u00e1y \u0111ang \u0111\u1ee9ng \u0111\u1eb1ng sau, gi\u00e1n ti\u1ebfp khi\u1ebfn 1 b\u1ed9 ph\u1eadn ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ecbu thi\u1ec7t t\u1eeb nh\u1eefng h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n ti\u00eau d\u00f9ng m\u00e0 ph\u1ea7n \u0111a ng\u01b0\u1eddi d\u00e2n \u0111\u1ec1u hoa m\u1eaft n\u00ean k\u00fd v\u1ed9i.<\/p>\n

V\u1ec1 g\u00f3c \u0111\u1ed9 ng\u01b0\u1eddi ti\u00eau d\u00f9ng l\u00e0 v\u1eady, c\u00f2n v\u1ec1 g\u00f3c \u0111\u1ed9 CTTC th\u00ec sao? R\u00f5 r\u00e0ng vi\u1ec7c d\u1ec5 cho vay th\u00ec c\u0169ng d\u1ec5 b\u1ecb b\u00f9ng v\u1ed1n. C\u01a1 ch\u1ebf vay t\u00edn ch\u1ea5p, vay th\u1ea5u chi theo th\u1ebb d\u1ef1a v\u00e0o 1 s\u1ed1 quy \u0111\u1ecbnh nh\u01b0: l\u00e0m vi\u1ec7c \u1ed5n \u0111\u1ecbnh, thu nh\u1eadp t\u0103ng \u0111\u1ec1u, s\u1ed1 ch\u1ee9ng minh th\u01b0, s\u1ed5 h\u1ed9 kh\u1ea9u v\u00e0 c\u00e1c gi\u1ea5y t\u1edb c\u00f3 gi\u00e1 tr\u1ecb ri\u00eang nh\u01b0: h\u00f3a \u0111\u01a1n ti\u1ec1n \u0111i\u1ec7n trong gia \u0111\u00ecnh trong 3 th\u00e1ng li\u00ean ti\u1ebfp, h\u00f3a \u0111\u01a1n \u0111i\u1ec7n tho\u1ea1i\u2026 ch\u01b0a c\u00f3 g\u00ec \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u1ed1n, v\u00e0 1 s\u1ed1 CTTC \u0111\u00e3 b\u1ecb l\u1eeba v\u00e0 con n\u1ee3 kh\u00f4ng c\u00e1nh m\u00e0 bay.<\/p>\n

Theo l\u1eddi \u201cthanh minh\u201d c\u1ee7a m\u1ed9t \u0111\u1ea1i di\u1ec7n c\u1ee7a 1 CTTC \u0111ang hi\u1ec7n di\u1ec7n \u1edf nhi\u1ec1u h\u00e3ng b\u00e1n l\u1ebb tr\u00ean c\u1ea3 n\u01b0\u1edbc: c\u01a1 ch\u1ebf cho vay d\u1ec5 c\u0169ng l\u00e0 s\u1ef1 \u0111\u00e1nh \u0111\u1ed5i b\u1edfi h\u1ecd ph\u1ea3i ch\u1ecbu \u00e1p l\u1ef1c gi\u1ea3i ng\u00e2n v\u1ed1n, c\u1ea1nh tranh v\u1edbi c\u01a1 ch\u1ebf cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c NHTM. N\u1ebfu ng\u1eb7t ngh\u00e8o, t\u00ednh \u0111\u1ed9 an to\u00e0n cao ch\u1eafc ch\u1eafn kh\u00f4ng ai t\u00ecm \u0111\u1ebfn. B\u00ean c\u1ea1nh d\u00f3, l\u00e3i su\u1ea5t cao, qu\u1ea3n l\u00fd n\u1ee3 k\u00e9m c\u0169ng l\u00e0 v\u00ec c\u00e1c CTTC kh\u00f4ng s\u1eb5n v\u1ed1n, ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 b\u1ea5t ch\u1ea5p t\u1ea5t c\u1ea3 \u0111\u1ec3 ch\u00e2y \u00ec n\u1ee3. L\u00e3i su\u1ea5t l\u00e0 th\u1ecfa thu\u1eadn, n\u1ebfu th\u1ef1c hi\u1ec7n \u0111\u00fang h\u1ee3p \u0111\u1ed3ng, kh\u00f4ng c\u00f3 chuy\u1ec7n \u201cl\u00e3i su\u1ea5t\u201d gi\u00e1 c\u1eaft c\u1ed5, l\u00e3i su\u1ea5t cao ch\u1ec9 x\u1ea3y ra khi ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 n\u1ee3 trong nhi\u1ec1u th\u00e1ng, l\u00e3i g\u1ed9p n\u00ean m\u1edbi cao.<\/p>\n

Nguy\u1ec5n Tuy\u1ec1n<\/strong><\/b><\/p>\n

——————<\/p>\n

FICA (D\u00e2n tr\u00ed – Ti\u1ec1n v\u00e0 h\u00e0ng) 29-09-2014:<\/em><\/strong><\/p>\n

http:\/\/fica.vn\/tien-va-hang\/vay-tieu-dung-ve-cong-ty-tai-chinh-dung-ep-duyen-khi-tinh-chua-chin–20707.html<\/em><\/p>\n

(136\/1.679)<\/em>","protected":false},"excerpt":{"rendered":"

(FC) – Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c CTTC \u0111ang \u201ctranh t\u1ed1i, tranh s\u00e1ng\u201d v\u1ec1 l\u00e3i su\u1ea5t, thi\u1ebfu qu\u1ea3n l\u00fd n\u00ean qu\u1ea3n l\u00fd – thu h\u1ed3i n\u1ee3 c\u1ee7a CTTC \u0111ang ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro cho th\u1ecb tr\u01b0\u1eddng Trong khi d\u1ecbch v\u1ee5 vay ti\u00eau d\u00f9ng (VTD) \u0111ang n\u1edf r\u1ed9 v\u00e0 g\u1eb7t h\u00e1i \u0111\u01b0\u1ee3c nhi\u1ec1u k\u1ebft qu\u1ea3 \u1edf […]<\/p>\n","protected":false},"author":10,"featured_media":22156,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n564. Vay ti\u00eau d\u00f9ng v\u1ec1 c\u00f4ng ty t\u00e0i ch\u00ednh: \u0110\u1eebng \u201c\u00e9p duy\u00ean\u201d khi \u201ct\u00ecnh ch\u01b0a ch\u00edn\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\/vi\/564-vay-tieu-dung-ve-cong-ty-tai-chinh-dung-ep-duyen-khi-tinh-chua-chin\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]564. 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