{"id":23403,"date":"2020-08-07T09:12:56","date_gmt":"2020-08-07T02:12:56","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23403"},"modified":"2022-05-26T09:58:35","modified_gmt":"2022-05-26T02:58:35","slug":"2-612-trung-gian-tai-chinh-va-khoang-trong-phap-ly","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-612-trung-gian-tai-chinh-va-khoang-trong-phap-ly\/","title":{"rendered":"2.612. Trung gian t\u00e0i ch\u00ednh v\u00e0 kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd"},"content":{"rendered":"(TT) – Sau lo\u1ea1t b\u00e0i ph\u1ea3n \u00e1nh v\u00e0 t\u00ecm hi\u1ec3u v\u1ec1 t\u00ednh ph\u00e1p l\u00fd c\u1ee7a Zalo Bank, c\u00f3 th\u1ec3 th\u1ea5y, Zalo Bank kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea5t k\u1ef3 c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc n\u00e0o c\u1ea5p ph\u00e9p trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng.<\/strong><\/p>\n

\u0110i\u1ec1u \u0111\u00e1ng n\u00f3i, Zalo Bank v\u1eabn ngang nhi\u00ean ho\u1ea1t \u0111\u1ed9ng b\u1ea5t ch\u1ea5p nhi\u1ec1u c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u00e3 l\u00ean ti\u1ebfng v\u00e0 truy\u1ec1n th\u00f4ng v\u00e0o cu\u1ed9c. C\u00e2u h\u1ecfi \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0 \u0111\u00e2u l\u00e0 ch\u1ebf t\u00e0i \u0111\u1ec3 c\u00f3 th\u1ec3 x\u1eed l\u00fd v\u00e0 \u0111\u01a1n v\u1ecb n\u00e0o c\u00f3 tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c qu\u1ea3n l\u00fd c\u00e1c m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u1ef1 trong t\u01b0\u01a1ng lai?.<\/p>\n

L\u00e1ch lu\u1eadt \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng?<\/strong><\/p>\n

\"\"<\/p>\n

Zalo m\u1ed9t l\u1ea7n n\u1eefa \u0111\u1ed5i t\u00ean t\u1eeb Zalo@Finance sang Fiza. \u1ea2nh: BNEWS\/TTXVN<\/em><\/p>\n

Sau lo\u1ea1t b\u00e0i ph\u1ea3n \u00e1nh c\u1ee7a TTXVN, m\u1eb7c d\u00f9 nhi\u1ec1u l\u1ea7n nh\u00f3m ph\u00f3ng vi\u00ean li\u00ean h\u1ec7 qua c\u00e1c k\u00eanh kh\u00e1c nhau \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c th\u00f4ng tin ph\u1ea3n h\u1ed3i t\u1eeb ph\u00eda Zalo c\u0169ng nh\u01b0 C\u00f4ng ty ch\u1ee7 qu\u1ea3n l\u00e0 C\u00f4ng ty C\u1ed5 ph\u1ea7n VNG, nh\u01b0ng ph\u00f3ng vi\u00ean v\u1eabn kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi. M\u1eb7c d\u00f9 “b\u1eb7t v\u00f4 \u00e2m t\u00edn” nh\u01b0ng nh\u1eefng \u0111\u1ed9ng th\u00e1i cho th\u1ea5y, Zalo d\u01b0\u1eddng nh\u01b0 \u0111ang mu\u1ed1n “l\u1ea5p li\u1ebfm”, \u0111i c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, l\u0129nh v\u1ef1c ch\u01b0a \u0111\u01b0\u1ee3c c\u01a1 quan ch\u1ee9c n\u0103ng n\u00e0o c\u1ea5p ph\u00e9p v\u00e0 ch\u01b0a d\u1ef1a tr\u00ean c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt n\u00e0o \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

B\u1eb1ng ch\u1ee9ng cho th\u1ea5y, sau khi b\u1ecb ph\u1ea3n \u00e1nh vi\u1ec7c s\u1eed d\u1ee5ng m\u1eadp m\u1edd t\u00ean g\u1ecdi Zalo Bank cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh, ph\u00eda Zalo \u0111\u00e3 \u00e2m th\u1ea7m \u0111\u1ed5i t\u00ean sang Finance @ Zalo. Nh\u01b0ng d\u01b0\u1eddng nh\u01b0 s\u1ef1 \u0111\u1ed5i t\u00ean \u0111\u00f3 v\u1eabn c\u00f3 th\u1ec3 g\u00e2y nh\u1ea7m l\u1eabn cho kh\u00e1ch h\u00e0ng khi chuy\u1ec3n t\u1eeb “Bank” sang “Finance”, Zalo l\u1ea1i m\u1ed9t l\u1ea7n n\u1eefa \u00e2m th\u1ea7m \u0111\u1ed5i sang c\u00e1i t\u00ean ho\u00e0n to\u00e0n kh\u00e1c l\u1ea1: Fiza.<\/p>\n

\u0110i\u1ec1u \u0111\u00e1ng n\u00f3i, m\u1eb7c d\u00f9 t\u00ean g\u1ecdi kh\u00e1c nhau, nh\u01b0ng Zalo v\u1eabn s\u1eed d\u1ee5ng \u1ee9ng\u00a0 d\u1ee5ng \u0111\u00f3 tr\u00ean n\u1ec1n t\u1ea3ng c\u1ee7a m\u00ecnh \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng. “B\u00ecnh m\u1edbi” nh\u01b0ng “r\u01b0\u1ee3u” v\u1eabn c\u0169, c\u00e1c t\u00ednh n\u0103ng c\u1ee7a Finance@ Zalo hay Fiza kh\u00f4ng h\u1ec1 thay \u0111\u1ed5i so v\u1edbi Zalo Bank tr\u01b0\u1edbc \u0111\u00e2y v\u00e0 ng\u01b0\u1eddi d\u00f9ng v\u1eabn c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c kho\u1ea3n vay t\u1eeb c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ee7a trang nh\u01b0 FE Credit, UOB hay Shinhan Bank.<\/p>\n

Vi\u1ec7c Zalo cung c\u1ea5p c\u00e1c g\u00f3i cho vay ti\u00eau d\u00f9ng tr\u00ean Finance @Zalo (Fiza) \u0111ang \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u01b0\u1edbi d\u1ea1ng h\u1ee3p t\u00e1c kinh doanh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh th\u1ef1c ch\u1ea5t l\u00e0 c\u00e1ch “l\u00e1ch” c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 ph\u00e1p lu\u1eadt. B\u1edfi hi\u1ec7n Zalo kh\u00f4ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh tr\u00ean n\u1ec1n t\u1ea3ng tr\u1ef1c tuy\u1ebfn. Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, \u0111\u00e2y v\u1ed1n l\u00e0 l\u0129nh v\u1ef1c kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n, ch\u1ecbu s\u1ef1 r\u00e0ng bu\u1ed9c ph\u00e1p l\u00fd r\u1ea5t ch\u1eb7t ch\u1ebd v\u1ec1 m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, nh\u00e2n l\u1ef1c, c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, c\u00f4ng ngh\u1ec7 v\u00e0 b\u1eaft bu\u1ed9c tu\u00e2n th\u1ee7 quy tr\u00ecnh cho vay, \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng cho vay, ki\u1ec3m so\u00e1t n\u1ee3 x\u1ea5u.<\/p>\n

\u0110\u01a1n c\u1eed, c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u1ea3i c\u00f3 v\u1ed1n ph\u00e1p \u0111\u1ecbnh t\u1ed1i thi\u1ec3u 500 t\u1ef7 \u0111\u1ed3ng, \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n nghi\u1ec7p v\u1ee5 \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, quy \u0111\u1ecbnh v\u1ec1 t\u1ec9 l\u1ec7 d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng\u2026<\/p>\n

Th\u1ebf nh\u01b0ng, g\u1ea7n m\u1ed9t n\u0103m qua, Zalo v\u1eabn b\u1eaft tay v\u1edbi Shinhan Bank, FE Credit, Easy Credit\u2026 \u0111\u1ec3 cho vay ti\u00eau d\u00f9ng tr\u00ean Zalo Bank, ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh “tr\u00e1 h\u00ecnh” b\u1ea5t ch\u1ea5p c\u00e1c quy \u0111\u1ecbnh c\u1ea5m c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. V\u00e0 khi ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt qu\u1ea3n l\u00fd th\u00ec c\u00e1c ho\u1ea1t \u0111\u1ed9ng r\u1ea5t d\u1ec5 bi\u1ebfn t\u01b0\u1edbng v\u00e0 ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro cho c\u00e1c b\u00ean li\u00ean quan.<\/p>\n

Vi\u1ec7c th\u1ef1c hi\u1ec7n tr\u00ean n\u1ec1n t\u1ea3ng s\u1ed1 nh\u1eb1m m\u1ee5c \u0111\u00edch li\u00ean k\u1ebft ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay, ho\u1ea1t \u0111\u1ed9ng vay ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o \u00fd ch\u00ed c\u1ee7a hai b\u00ean. Do \u0111\u00f3 \u0111\u00e2y c\u00f3 th\u1ec3 coi thu\u1ea7n t\u00fay l\u00e0 m\u1ed9t giao d\u1ecbch d\u00e2n s\u1ef1 b\u00ecnh th\u01b0\u1eddng, nh\u01b0ng n\u1ebfu x\u1ea3y ra s\u1ef1 c\u1ed1 r\u1ea5t kh\u00f3 truy c\u1ee9u tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u00ean cung c\u1ea5p n\u1ec1n t\u1ea3ng s\u1ed1. \u0110\u1eb7c bi\u1ec7t, v\u00ec t\u1ea5t c\u1ea3 th\u00f4ng tin \u0111\u1ec1u \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef v\u00e0 th\u1ef1c hi\u1ec7n tr\u00ean kh\u00f4ng gian m\u1ea1ng, n\u00ean c\u00f3 kh\u1ea3 n\u0103ng b\u1ecb c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng x\u1ea5u l\u1ee3i d\u1ee5ng thay \u0111\u1ed5i, ti\u1ebft l\u1ed9 c\u00e1c s\u1ed1 li\u1ec7u hi\u1ec3n th\u1ecb, c\u00e1c th\u00f4ng tin c\u1ee7a c\u00e1c b\u00ean li\u00ean quan ho\u1eb7c th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p c\u00f4ng ngh\u1ec7 \u0111\u1ec3 l\u00e0m gi\u00e1n \u0111o\u1ea1n c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111ang x\u1ea3y ra h\u00f2ng chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n.<\/p>\n

\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi vay, th\u1ef1c t\u1ebf g\u1ea7n \u0111\u00e2y cho th\u1ea5y, c\u00e1c h\u00ecnh th\u1ee9c cho vay ti\u1ec1n online hay th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng \u0111\u00e3 v\u00e0 \u0111ang \u0111\u1ec3 l\u1ea1i h\u1ec7 l\u1ee5y kh\u00f3 l\u01b0\u1eddng, nh\u1ea5t l\u00e0 khi vay ti\u1ec1n qua trung gian t\u00e0i ch\u00ednh k\u1ebft n\u1ed1i t\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng. V\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho vay d\u1ec5 d\u00e0ng, khi ng\u01b0\u1eddi vay ch\u1eadm tr\u1ea3 n\u1ee3 ho\u1eb7c m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, c\u00e1c “\u00f4ng ch\u1ee7” cho \u0111\u00f2i n\u1ee3 th\u00f4ng qua “l\u1ef1c l\u01b0\u1ee3ng \u0111\u00f2i n\u1ee3 thu\u00ea”, t\u1eeb \u0111\u00f3 ph\u00e1t sinh c\u00e1c h\u00e0nh vi tr\u00e1i lu\u1eadt nh\u01b0 \u0111e d\u1ecda, c\u01b0\u1ee1ng \u0111o\u1ea1t t\u00e0i s\u1ea3n, c\u1ed1 \u00fd g\u00e2y th\u01b0\u01a1ng t\u00edch, b\u1eaft gi\u1eef ng\u01b0\u1eddi tr\u00e1i ph\u00e1p lu\u1eadt…<\/p>\n

\u0110\u00e1ng ng\u1ea1i nh\u1ea5t, theo Lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0, C\u00f4ng ty Lu\u1eadt SBLAW, vi\u1ec7c “th\u1ea3 l\u1ecfng” \u0111i\u1ec1u ki\u1ec7n x\u00e9t duy\u1ec7t kho\u1ea3n vay, c\u1ea5p h\u1ea1n m\u1ee9c cho vay, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o\u2026 \u0111\u1ed1i v\u1edbi h\u00e0ng tri\u1ec7u kho\u1ea3n vay th\u00f4ng qua Zalo kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng, s\u1ebd ti\u1ec1m \u1ea9n r\u1ee7i ro n\u1ee3 x\u1ea5u c\u00f3 th\u1ec3 l\u00ean t\u1edbi c\u1ea3 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng cho c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh tham gia h\u1ec7 th\u1ed1ng cho vay “chui” n\u00e0y.<\/p>\n

Ch\u1ebf t\u00e0i n\u00e0o \u0111\u1ec3 x\u1eed l\u00fd?<\/strong><\/p>\n

C\u00f3 th\u1ec3 th\u1ea5y, trong b\u1ed1i c\u1ea3nh c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh, m\u00f4 h\u00ecnh l\u00e0m trung gian t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng cho vay, hay th\u1eadm ch\u00ed h\u00ecnh th\u1ee9c cho vay ngang h\u00e0ng (P2P) v\u1edbi vi\u1ec7c ng\u00e0y c\u00e0ng nhi\u1ec1u c\u00e1c c\u00f4ng ty Fintech ra \u0111\u1eddi \u0111ang l\u00e0 m\u1ed9t xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n m\u1ea1nh \u1edf c\u00e1c th\u1ecb tr\u01b0\u1eddng tr\u00ean th\u1ebf gi\u1edbi ch\u1ee9 kh\u00f4ng ri\u00eang \u1edf Vi\u1ec7t Nam.<\/p>\n

Theo Lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0, C\u00f4ng ty Lu\u1eadt SBLAW trung gian t\u00e0i ch\u00ednh th\u1ef1c hi\u1ec7n cho vay online \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo 2 h\u00ecnh th\u1ee9c: K\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi vay v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng v\u00e0 k\u1ebft n\u1ed1i ng\u01b0\u1eddi vay v\u1edbi c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c ng\u01b0\u1eddi cho vay. \u0110\u00e2y \u0111\u01b0\u1ee3c coi l\u00e0 m\u00f4 h\u00ecnh kinh doanh m\u1edbi, d\u1ecbch v\u1ee5 s\u00e1ng t\u1ea1o d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 s\u1ed1 k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp ng\u01b0\u1eddi \u0111i vay v\u1edbi ng\u01b0\u1eddi cho vay (nh\u00e0 \u0111\u1ea7u t\u01b0)\u2026 \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 m\u1edf ra m\u1ed9t k\u00eanh ti\u1ebfp c\u1eadn v\u1ed1n m\u1edbi, linh ho\u1ea1t, thu\u1eadn ti\u1ec7n, gi\u00fap th\u00eam nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 c\u01a1 h\u1ed9i vay v\u1ed1n v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 th\u00f4ng qua \u0111\u00f3 ti\u1ebfp c\u1eadn d\u1ec5 d\u00e0ng h\u01a1n \u0111\u1ebfn c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd.<\/p>\n

Tuy nhi\u00ean n\u1ebfu c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng th\u00ec ch\u01b0a c\u00f3 c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng. V\u1ec1 b\u1ea3n ch\u1ea5t, \u0111\u00e2y l\u00e0 ho\u1ea1t \u0111\u1ed9ng m\u00f4i gi\u1edbi t\u00edn d\u1ee5ng, l\u00e0 nghi\u1ec7p v\u1ee5 thu\u1ed9c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Nh\u01b0ng \u0111\u00e2y l\u00e0 m\u1ed9t kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd l\u1edbn hi\u1ec7n nay khi Vi\u1ec7t Nam ch\u01b0a c\u00f3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u1ee5 th\u1ec3 n\u00e0o cho ph\u00e9p hay kh\u00f4ng cho ph\u00e9p c\u00e1c \u1ee9ng d\u1ee5ng tr\u00ean tri\u1ec3n khai.<\/p>\n

Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2016\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7 ng\u00e0y 1\/7\/2016 quy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1 \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u00e0nh, ngh\u1ec1 \u0111\u1ea7u t\u01b0 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n, m\u1edbi ch\u1ec9 quy \u0111\u1ecbnh danh m\u1ee5c c\u1ea7m \u0111\u1ed3, \u0111\u00f2i n\u1ee3 trong khi kinh doanh t\u00e0i ch\u00ednh, h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh, cho vay kh\u00f4ng c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, cho vay ngang h\u00e0ng, vay tr\u1ef1c tuy\u1ebfn (v\u00ed d\u1ee5 P2P, Lending, Fintech..) l\u1ea1i \u0111\u1ee9ng ngo\u00e0i danh m\u1ee5c Ngh\u1ecb \u0111\u1ecbnh tr\u00ean.<\/p>\n

Theo Lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0, \u0111i\u1ec1u n\u00e0y c\u0169ng khi\u1ebfn c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng g\u1eb7p kh\u00f3 trong nh\u1eadn di\u1ec7n v\u00e0 x\u1eed l\u00fd c\u00e1c m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/p>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, \u1edf Vi\u1ec7t Nam hi\u1ec7n v\u1eabn ch\u01b0a c\u00f3 v\u0103n b\u1ea3n ph\u00e1p l\u00fd quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 lo\u1ea1i h\u00ecnh kinh doanh d\u1ecbch v\u1ee5 n\u00e0y. Do v\u1eady, m\u1ed9t s\u1ed1 c\u00f4ng ty l\u1ee3i d\u1ee5ng k\u1ebd h\u1edf c\u1ee7a ph\u00e1p lu\u1eadt, \u0111\u1ec3 kinh doanh li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, m\u00e0 Zalo l\u00e0 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec3n h\u00ecnh.<\/p>\n

Quay tr\u1edf l\u1ea1i c\u00e2u chuy\u1ec7n c\u1ee7a Zalo, m\u1eb7c d\u00f9 ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng cho Finance@Zalo (Fiza) nh\u01b0ng g\u1ea7n 1 n\u0103m qua Zalo v\u1eabn th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng trung gian t\u00e0i ch\u00ednh k\u1ebft n\u1ed1i vi\u1ec7c cho vay.<\/p>\n

Sau lo\u1ea1t b\u00e0i TTXVN ph\u1ea3n \u00e1nh, ph\u00f3ng vi\u00ean li\u00ean h\u1ec7 v\u1edbi c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ec3 t\u00ecm c\u00e2u tr\u1ea3 l\u1eddi v\u1ec1 ch\u1ebf t\u00e0i x\u1eed l\u00fd v\u1ee5 vi\u1ec7c nh\u01b0ng v\u1ea5n \u0111\u1ec1 v\u1eabn l\u00e0 kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd.<\/p>\n

Kh\u00f4ng ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn t\u00e0i ch\u00ednh, ho\u1ea1t \u0111\u1ed9ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed tr\u00ean Zalo (Zalo Shop) c\u0169ng v\u1eabn ngang nhi\u00ean ho\u1ea1t \u0111\u1ed9ng khi ch\u01b0a \u0111\u01b0\u1ee3c B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng c\u1ea5p ph\u00e9p. \u0110i\u1ec1u \u0111\u00e1ng n\u00f3i, theo \u00f4ng \u0110\u1eb7ng Ho\u00e0ng H\u1ea3i, C\u1ee5c tr\u01b0\u1edfng C\u1ee5c Th\u01b0\u01a1ng m\u1ea1i \u0110i\u1ec7n t\u1eed v\u00e0 Kinh t\u1ebf s\u1ed1, B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng cho bi\u1ebft: Trong th\u00e1ng 7-8 n\u0103m 2019, C\u1ee5c Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 Kinh t\u1ebf s\u1ed1 \u0111\u00e3 3 l\u1ea7n m\u1eddi C\u00f4ng ty c\u1ed5 ph\u1ea7n VNG (C\u00f4ng ty VNG) c\u1eed ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo ph\u00e1p lu\u1eadt ho\u1eb7c ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n theo \u1ee7y quy\u1ec1n \u0111\u1ebfn l\u00e0m vi\u1ec7c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed qua \u1ee9ng d\u1ee5ng Zalo. Tuy nhi\u00ean, C\u00f4ng ty c\u1ed5 ph\u1ea7n VNG kh\u00f4ng h\u1ee3p t\u00e1c v\u1edbi C\u1ee5c Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 Kinh t\u1ebf s\u1ed1 \u0111\u1ec3 l\u00e0m r\u00f5 c\u00e1c vi ph\u1ea1m li\u00ean quan. K\u1ebf \u0111\u00f3, ng\u00e0y 5\/9\/2019, C\u1ee5c Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 Kinh t\u1ebf s\u1ed1 \u0111\u00e3 c\u00f3 C\u00f4ng v\u0103n s\u1ed1 32\/TM\u0110T-QL g\u1eedi C\u1ee5c An ninh m\u1ea1ng v\u00e0 Ph\u00f2ng, ch\u1ed1ng t\u1ed9i ph\u1ea1m s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 cao (A05) – B\u1ed9 C\u00f4ng An \u0111\u1ec3 x\u1eed l\u00fd theo th\u1ea9m quy\u1ec1n.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, t\u1eeb \u0111\u00f3 \u0111\u1ebfn nay, Zalo Shop hay Finance@ Zalo v\u1eabn ngang nhi\u00ean ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

Theo TS C\u1ea5n V\u0103n L\u1ef1c, Chuy\u00ean gia v\u1ec1 t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, n\u1ebfu Finance@ Zalo ch\u01b0a \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng th\u00ec Zalo c\u00f2n ch\u01b0a \u0111\u01b0\u1ee3c coi l\u00e0 c\u00f4ng ty Fintech, h\u1ecd ch\u1ec9 l\u00e0 c\u00f4ng ty b\u00ecnh th\u01b0\u1eddng. M\u00e0 c\u00f4ng ty b\u00ecnh th\u01b0\u1eddng l\u1ea1i th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn trung gian, m\u00f4i gi\u1edbi t\u00edn d\u1ee5ng cho vay nh\u01b0 v\u1eady l\u00e0 kh\u00f4ng \u0111\u00fang lu\u1eadt. Nh\u01b0 v\u1eady, \u0111\u1ec3 x\u1eed l\u00fd tr\u00e1ch nhi\u1ec7m th\u00ec c\u01a1 quan c\u1ea5p ph\u00e9p cho Zalo ph\u1ea3i v\u00e0o cu\u1ed9c, ki\u1ec3m tra xem Zalo c\u00f3 ho\u1ea1t \u0111\u00fang v\u1edbi gi\u1ea5y ph\u00e9p hay kh\u00f4ng, t\u1eeb \u0111\u00f3 m\u1edbi c\u00f3 ch\u1ebf t\u00e0i \u0111\u1ec3 x\u1eed l\u00fd.<\/p>\n

Vi\u1ec7c ph\u00e1t tri\u1ec3n m\u1ed9t lo\u1ea1i h\u00ecnh cho vay theo nhu c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 xu h\u01b0\u1edbng n\u1ec1n t\u1ea3ng s\u1ed1 l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3 ng\u0103n c\u1ea3n. Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng v\u00e0 qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd ho\u1ea1t \u0111\u1ed9ng cho vay theo lo\u1ea1i h\u00ecnh n\u00e0y, c\u1ea7n ph\u1ea3i nhanh ch\u00f3ng c\u00f3 m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd c\u1ee5 th\u1ec3 \u0111\u1ec3 Nh\u00e0 n\u01b0\u1edbc ki\u1ec3m so\u00e1t v\u00e0 c\u00f3 c\u01a1 ch\u1ebf gi\u1ea3i quy\u1ebft c\u00e1c r\u1ee7i ro, tranh ch\u1ea5p ph\u00e1t sinh. Tr\u01b0\u1eddng h\u1ee3p ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t qu\u1ea3n l\u00fd, c\u00e1c ban ng\u00e0nh li\u00ean quan c\u1ea7n khuy\u1ebfn c\u00e1o \u0111\u1ec3 h\u1ea1n ch\u1ebf s\u1ef1 tham gia c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0o lo\u1ea1i h\u00ecnh n\u00e0y.<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eabn \u0111ang trong qu\u00e1 tr\u00ecnh x\u00e2y d\u1ef1ng Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m (sandbox) Fintech trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, trong \u0111\u00f3 c\u00f3 ho\u1ea1t \u0111\u1ed9ng P2P.<\/p>\n

Theo \u00f4ng C\u1ea5n V\u0103n L\u1ef1c, Ngh\u1ecb \u0111\u1ecbnh tr\u00ean c\u1ea7n l\u00e0m r\u00f5 v\u1ec1 ch\u1ee9c n\u0103ng nhi\u1ec7m v\u1ee5 c\u1ee7a c\u00e1c b\u00ean li\u00ean quan, nh\u1ea5t l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c b\u00ean trung gian l\u00e0 Fintech,\u00a0c\u00e1c c\u00f4ng ty cung c\u1ea5p n\u1ec1n t\u1ea3ng thanh to\u00e1n,\u00a0v\u00ec trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 r\u1ee7i ro m\u1ea5t ti\u1ec1n, h\u1ecd ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m. C\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u1ea7n c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p ch\u00ednh s\u00e1ch th\u1eadt t\u1ed1t, \u0111\u1eb7c bi\u1ec7t li\u00ean quan \u0111\u1ebfn c\u01a1 s\u1edf d\u1eef li\u1ec7u \u0111\u1ecbnh danh qu\u1ed1c gia \u0111\u1ec3 \u0111\u1ecbnh danh c\u00e1 nh\u00e2n \u0111i\u1ec7n t\u1eed v\u00e0 \u0111\u1ea3m b\u1ea3o ch\u00ednh x\u00e1c.<\/p>\n

Tr\u01b0\u1edbc khi c\u00f3 m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd ho\u00e0n ch\u1ec9nh, l\u1eddi khuy\u00ean c\u1ee7a gi\u1edbi chuy\u00ean gia l\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n \u0111\u1ecdc v\u00e0 t\u00ecm hi\u1ec3u k\u1ef9 th\u00f4ng tin tr\u01b0\u1edbc khi cung c\u1ea5p d\u1eef li\u1ec7u c\u00e1 nh\u00e2n hay quy\u1ebft \u0111\u1ecbnh vay v\u1ed1n th\u00f4ng qua c\u00e1c trung gian t\u00e0i ch\u00ednh \u0111\u1ec3 tr\u00e1nh nh\u1eefng m\u00e2u thu\u1eabn ph\u00e1t sinh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng c\u1ee7a m\u00ecnh.<\/p>\n

Qu\u1ed1c Huy<\/strong>\u00a0(TTXVN)<\/em><\/strong><\/p>\n

————–<\/p>\n

Tin t\u1ee9c (Kinh t\u1ebf) 07-8-2020:<\/em><\/strong><\/p>\n

https:\/\/baotintuc.vn\/kinh-te\/trung-gian-tai-chinh-va-khoang-trong-phap-ly-20200807120649474.htm<\/em><\/a><\/p>\n

(67\/2.165)<\/em>","protected":false},"excerpt":{"rendered":"

(TT) – Sau lo\u1ea1t b\u00e0i ph\u1ea3n \u00e1nh v\u00e0 t\u00ecm hi\u1ec3u v\u1ec1 t\u00ednh ph\u00e1p l\u00fd c\u1ee7a Zalo Bank, c\u00f3 th\u1ec3 th\u1ea5y, Zalo Bank kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea5t k\u1ef3 c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc n\u00e0o c\u1ea5p ph\u00e9p trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng. \u0110i\u1ec1u \u0111\u00e1ng n\u00f3i, Zalo Bank v\u1eabn ngang nhi\u00ean ho\u1ea1t \u0111\u1ed9ng b\u1ea5t ch\u1ea5p nhi\u1ec1u […]<\/p>\n","protected":false},"author":3,"featured_media":23413,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-23403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.612. 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