{"id":23608,"date":"2020-05-20T10:10:29","date_gmt":"2020-05-20T03:10:29","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23608"},"modified":"2022-05-27T10:12:18","modified_gmt":"2022-05-27T03:12:18","slug":"2-522-tin-dung-tieu-dung-co-con-la-ga-de-trung-vang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-522-tin-dung-tieu-dung-co-con-la-ga-de-trung-vang\/","title":{"rendered":"2.522. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u00f3 c\u00f2n l\u00e0 &#8220;g\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng&#8221;?"},"content":{"rendered":"<strong>(CFF) &#8211; <\/strong><strong>C\u00e1c s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng nh\u1eafm t\u1edbi ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp th\u1ea5p, nh\u01b0ng c\u0169ng l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng tr\u01b0\u1edbc c\u00e1c c\u00fa s\u1ed1c kinh t\u1ebf. B\u1edfi v\u1eady, kh\u00f4ng \u00edt ng\u01b0\u1eddi nghi ng\u1edd v\u1ec1 kh\u1ea3 n\u0103ng \u0111\u1ed1i m\u1eb7t v\u1edbi n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh h\u1eadu Covid-19 v\u00e0 li\u1ec7u t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u00f3 c\u00f2n l\u00e0 l\u0129nh v\u1ef1c &#8220;g\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng&#8221; nh\u01b0 nh\u1eefng n\u0103m v\u1eeba qua hay kh\u00f4ng.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-23609 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/2522-450x282.png\" alt=\"\" width=\"450\" height=\"282\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/2522-450x282.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/2522.png 489w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>\u0110\u1ea7u th\u00e1ng 4, H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean C\u00f4ng ty t\u00e0i ch\u00ednh TNHH MTV Ng\u00e2n h\u00e0ng S\u00e0i G\u00f2n \u2013 H\u00e0 N\u1ed9i (SHBFC) b\u1ea5t ng\u1edd ra Ngh\u1ecb quy\u1ebft tr\u00ecnh H\u0110QT ng\u00e2n h\u00e0ng m\u1eb9 SHB \u0111\u1ec1 xu\u1ea5t th\u00f4ng qua \u0110H\u0110C\u0110 v\u1ec1 vi\u1ec7c tho\u00e1i v\u1ed1n t\u1ea1i SHBFC cho \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p>Ch\u01b0a r\u00f5 SHB s\u1ebd tho\u00e1i v\u1ed1n m\u1ed9t ph\u1ea7n hay to\u00e0n b\u1ed9 nh\u01b0ng th\u00f4ng tin n\u00e0y g\u00e2y kh\u00f4ng \u00edt b\u1ea5t ng\u1edd, b\u1edfi tr\u01b0\u1edbc \u0111\u00f3, SHB \u0111\u00e3 c\u00f3 nhi\u1ec1u k\u1ebf ho\u1ea1ch \u0111\u1ec3 ph\u00e1t tri\u1ec3n m\u1ea3ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng th\u00f4ng qua m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi c\u00f4ng ty con n\u00e0y.<\/p>\n<p>Trong khi \u0111\u00f3, g\u1ea7n \u0111\u00e2y, Moody\u2019s c\u0169ng \u0111\u00e3 xem x\u00e9t v\u1ec1 vi\u1ec7c h\u1ea1 t\u00edn nhi\u1ec7m 3 c\u00f4ng ty t\u00e0i ch\u00ednh l\u1edbn t\u1ea1i Vi\u1ec7t Nam. Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a Moody\u2019s, c\u00fa s\u1ed1c kinh t\u1ebf do Covid-19 g\u00e2y ra c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n, l\u1ee3i nhu\u1eadn v\u00e0 thanh kho\u1ea3n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00e0y.<\/p>\n<p>Nh\u1eefng c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 c\u00e1c s\u1ea3n ph\u1ea9m cho vay kh\u00f4ng \u0111\u1ea3m b\u1ea3o v\u00e0 nh\u1eafm t\u1edbi ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp th\u1ea5p, nh\u01b0ng c\u0169ng l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng tr\u01b0\u1edbc c\u00e1c c\u00fa s\u1ed1c kinh t\u1ebf. S\u1ef1 gia t\u0103ng th\u1ea5t nghi\u1ec7p, d\u1ef1 ki\u1ebfn s\u1ebd l\u00e0m suy y\u1ebfu kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay trong ph\u00e2n kh\u00fac n\u00e0y, do ngu\u1ed3n thu nh\u1eadp kh\u00f4ng \u1ed5n \u0111\u1ecbnh v\u00e0 h\u1ea1n ch\u1ebf.<\/p>\n<p>B\u1edfi v\u1eady, kh\u00f4ng \u00edt ng\u01b0\u1eddi nghi ng\u1edd v\u1ec1 kh\u1ea3 n\u0103ng \u0111\u1ed1i m\u1eb7t kh\u00f3 kh\u0103n b\u1edfi Covid-19 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 li\u1ec7u t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u00f3 c\u00f2n l\u00e0 l\u0129nh v\u1ef1c &#8220;g\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng&#8221; nh\u01b0 nh\u1eefng n\u0103m v\u1eeba qua hay kh\u00f4ng.<\/p>\n<p>B\u00ecnh lu\u1eadn v\u1ec1 vi\u1ec7c c\u00f3 c\u00f4ng ty t\u00e0i ch\u00ednh mu\u1ed1n tho\u00e1i v\u1ed1n, TS. C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng, kh\u00f4ng qu\u00e1 quan ng\u1ea1i v\u1ec1 \u0111i\u1ec1u \u0111\u00f3. Nguy\u00ean nh\u00e2n tho\u00e1i v\u1ed1n c\u00f3 th\u1ec3 l\u00e0 do ng\u00e2n h\u00e0ng thay \u0111\u1ed5i chi\u1ebfn l\u01b0\u1ee3c kinh doanh, mu\u1ed1n t\u1eadp trung v\u00e0o l\u0129nh v\u1ef1c ch\u00ednh c\u1ee7a m\u00ecnh. Ho\u1eb7c h\u1ecd mu\u1ed1n t\u00e1i c\u1ea5u tr\u00fac, g\u1ea1t b\u1ecf nh\u1eefng r\u1ee7i ro m\u00e0 h\u1ecd kh\u00f4ng ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c b\u1edfi l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng c\u0169ng c\u00f3 th\u1ec3 n\u00f3i l\u00e0 kh\u00e1 r\u1ee7i ro, v\u00e0 g\u1eafn ch\u1eb7t v\u1edbi chu k\u1ef3 kinh t\u1ebf. V\u00e0 khi nh\u1eefng ng\u00e2n h\u00e0ng n\u00e0y c\u00f3 c\u01a1 h\u1ed9i b\u00e1n, c\u00f3 ng\u01b0\u1eddi mua v\u1edbi gi\u00e1 h\u1ee3p l\u00fd th\u00ec tho\u00e1i v\u1ed1n c\u00f3 l\u1eddi trong th\u1eddi \u0111i\u1ec3m c\u1ea7n ti\u1ec1n m\u1eb7t, l\u00e0 \u0111\u00fang l\u00fac. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f3 th\u1ec3 h\u1ecd b\u00e1n, nh\u01b0ng v\u1eabn tham gia m\u1ed9t ph\u1ea7n d\u01b0\u1edbi d\u1ea1ng c\u1ed5 \u0111\u00f4ng, h\u1ee3p t\u00e1c, li\u00ean k\u1ebft.<\/p>\n<p>Trong khi \u0111\u00f3, <strong>LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/strong><em><strong>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/strong>\u00a0<\/em>c\u0169ng cho r\u1eb1ng \u0111\u00e2y l\u00e0 chuy\u1ec7n b\u00ecnh th\u01b0\u1eddng, khi doanh nghi\u1ec7p kh\u00f4ng l\u00e0m t\u1ed1t \u0111\u01b0\u1ee3c hay kh\u00f4ng mu\u1ed1n l\u00e0m n\u1eefa th\u00ec c\u00f3 quy\u1ec1n b\u00e1n, gi\u1ea3i th\u1ec3 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u00e1p nh\u00e2n m\u1edbi mua l\u00e0 ai, c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh nh\u01b0 th\u1ebf n\u00e0o, c\u00f3 minh b\u1ea1ch kh\u00f4ng, c\u00f3 kinh doanh cho vay chuy\u00ean nghi\u1ec7p kh\u00f4ng, tr\u00e1nh \u1ea9n ch\u1ee9a s\u1ef1 th\u00e2u t\u00f3m, l\u1ee3i d\u1ee5ng s\u00e2n sau&#8230;<\/p>\n<p>\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng cho r\u1eb1ng, n\u0103m nay c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng s\u1ebd g\u1eb7p kh\u00f3, nh\u01b0ng nh\u1eefng n\u0103m t\u1edbi v\u1eabn c\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n. &#8220;N\u0103m nay d\u1ecbch b\u1ec7nh kh\u00f3 kh\u0103n, nh\u01b0ng v\u00e0i n\u0103m t\u1edbi th\u00ec v\u1eabn l\u00e0 con g\u00e0 \u0111\u1ebb nhi\u1ec1u tr\u1ee9ng v\u00e0ng, tr\u1ee9ng r\u1ea5t to&#8221;, \u00f4ng n\u00f3i.<\/p>\n<p>Tuy nhi\u00ean, c\u00e1c chuy\u00ean gia cho r\u1eb1ng, c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng nh\u01b0 c\u00e1c doanh nghi\u1ec7p kh\u00e1c c\u1ea7n c\u00f3 s\u1ef1 thay \u0111\u1ed5i h\u1eadu Covid-19.<\/p>\n<p>\u00d4ng C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng, sau Covid, c\u00e1c doanh nghi\u1ec7p v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u1ebfn l\u00fac r\u00e0 so\u00e1t l\u1ea1i chi\u1ebfn l\u01b0\u1ee3c kinh doanh c\u1ee7a m\u00ecnh. T\u01b0 duy hi\u1ec7n t\u1ea1i \u0111\u00e3 r\u1ea5t kh\u00e1c v\u00ec nhi\u1ec1u xu h\u01b0\u1edbng m\u1edbi, th\u1ecb hi\u1ebfu m\u1edbi xu\u1ea5t hi\u1ec7n v\u00e0 ph\u1ea3i c\u00f3 nh\u1eefng s\u1ea3n ph\u1ea9m m\u1edbi may \u0111o ph\u00f9 h\u1ee3p.<\/p>\n<p>C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng ph\u1ea3i quan t\u00e2m h\u01a1n \u0111\u1ebfn ph\u00e1t tri\u1ec3n n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7. Nhi\u1ec1u c\u00f4ng ty hi\u1ec7n v\u1eabn c\u00f2n qu\u1ea3n l\u00fd th\u1ee7 c\u00f4ng, t\u1ed1n k\u00e9m, d\u1eabn \u0111\u1ebfn bu\u1ed9c ph\u1ea3i \u0111\u1ea9y l\u00e3i su\u1ea5t cao l\u00ean. B\u00ean cho vay c\u1ea7n c\u00e2n \u0111\u1ed1i gi\u1eefa r\u1ee7i ro v\u00e0 l\u00e3i su\u1ea5t, kh\u00f4ng m\u1eb7c \u0111\u1ecbnh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng th\u00ec l\u00e3i su\u1ea5t ph\u1ea3i cao. N\u1ebfu qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3, gi\u1ea3m \u0111\u01b0\u1ee3c c\u00e1c g\u00e1nh n\u1eb7ng trong v\u1eadn h\u00e0nh th\u00ec v\u1eabn \u0111\u01b0a ra \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t h\u1ee3p l\u00fd cho ng\u01b0\u1eddi d\u00e2n, t\u0103ng m\u1ed1i quan h\u1ec7 b\u1ec1n v\u1eefng v\u1edbi ng\u01b0\u1eddi d\u00e2n.<\/p>\n<p>V\u1ecb chuy\u00ean gia n\u00e0y cho r\u1eb1ng l\u0129nh v\u1ef1c n\u00e0y v\u1eabn c\u00f3 nhi\u1ec1u ti\u1ec1m n\u0103ng nh\u01b0ng kh\u1ea3 n\u0103ng thu h\u00fat \u0111\u1ea7u t\u01b0 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o quan \u0111i\u1ec3m c\u1ee7a Nh\u00e0 n\u01b0\u1edbc. \u00d4ng C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng Nh\u00e0 n\u01b0\u1edbc n\u00ean c\u1edfi m\u1edf h\u01a1n v\u1edbi c\u00e1c m\u00f4 h\u00ecnh t\u00edn d\u1ee5ng m\u1edbi nh\u01b0ng c\u00f3 ki\u1ec3m so\u00e1t. V\u1edbi kinh t\u1ebf s\u1ed1, c\u00e1c m\u00f4 h\u00ecnh kinh doanh m\u1edbi, bao g\u1ed3m c\u1ea3 t\u00edn d\u1ee5ng s\u1ed1 c\u0169ng ph\u1ea3i nh\u01b0 v\u1eady.<\/p>\n<p>&#8220;M\u1ed9t l\u00e0 ch\u00fang ta c\u1ea7n c\u00f3 khung ph\u00e1p l\u00fd \u0111\u1ec3 ki\u1ec3m so\u00e1t ngay t\u1eeb \u0111\u1ea7u. Hai l\u00e0 \u0111\u1ec3 n\u00f3 t\u1ef1 do ph\u00e1t tri\u1ec3n m\u1ed9t th\u1eddi gian sau \u0111\u00f3 s\u1ebd \u0111i\u1ec1u ch\u1ec9nh v\u00e0o khu\u00f4n kh\u1ed5. Hi\u1ec7n nay, Vi\u1ec7t Nam \u0111ang \u00e1p d\u1ee5ng h\u00ecnh th\u1ee9c s\u1ed1 1, cho ho\u1ea1t \u0111\u1ed9ng th\u00ed \u0111i\u1ec3m trong khu\u00f4n kh\u1ed5 khung ph\u00e1p l\u00fd. C\u00e1i \u0111\u00f3 l\u00e0 c\u00e1ch th\u1ee9c ti\u1ebfp c\u1eadn c\u1edfi m\u1edf v\u00e0 ph\u00f9 h\u1ee3p&#8221;, v\u1ecb chuy\u00ean gia cho bi\u1ebft. \u00d4ng c\u0169ng \u0111\u1ed3ng th\u1eddi c\u0169ng nh\u1ea5n m\u1ea1nh &#8220;Ch\u00fang ta \u0111ang trong m\u1ed9t xu th\u1ebf quan tr\u1ecdng: Kinh t\u1ebf s\u1ed1, c\u00e1c m\u00f4 h\u00ecnh kinh doanh s\u1ed1 c\u00f3 \u0111\u00e0 ph\u00e1t tri\u1ec3n c\u1ef1c m\u1ea1nh sau \u0111\u1ea1i d\u1ecbch. Ch\u00fang ta kh\u00f4ng th\u1ec3 \u0111i ch\u1ec7ch th\u1eddi \u0111\u1ea1i&#8221;.<\/p>\n<p><strong>Thu Th\u1ee7y<\/strong><\/p>\n<p><em>Theo Nh\u1ecbp s\u1ed1ng kinh t\u1ebf<\/em><\/p>\n<p>\u2014\u2014\u2014\u2014\u2014\u2014<\/p>\n<p><strong><em>CafeF (Ng\u00e2n h\u00e0ng) 20-5-2020:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/cafef.vn\/tin-dung-tieu-dung-co-con-la-ga-de-trung-vang-20200520145609572.chn\"><em>https:\/\/cafef.vn\/tin-dung-tieu-dung-co-con-la-ga-de-trung-vang-20200520145609572.chn<\/em><\/a><\/p>\n<p><em>(133\/1.016)<\/em>","protected":false},"excerpt":{"rendered":"<p>(CFF) &#8211; C\u00e1c s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng nh\u1eafm t\u1edbi ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp th\u1ea5p, nh\u01b0ng c\u0169ng l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng tr\u01b0\u1edbc c\u00e1c c\u00fa s\u1ed1c kinh t\u1ebf. B\u1edfi v\u1eady, kh\u00f4ng \u00edt ng\u01b0\u1eddi nghi ng\u1edd v\u1ec1 kh\u1ea3 n\u0103ng \u0111\u1ed1i m\u1eb7t v\u1edbi n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":23609,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-23608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.522. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u00f3 c\u00f2n l\u00e0 &quot;g\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng&quot;? - 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\/2-522-tin-dung-tieu-dung-co-con-la-ga-de-trung-vang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.522. 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