{"id":23617,"date":"2013-08-24T13:35:03","date_gmt":"2013-08-24T06:35:03","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23617"},"modified":"2022-05-27T13:38:05","modified_gmt":"2022-05-27T06:38:05","slug":"335-thoai-mai-mo-the-tin-dung-khach-pha-san-nh-om-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/335-thoai-mai-mo-the-tin-dung-khach-pha-san-nh-om-no\/","title":{"rendered":"335. Tho\u1ea3i m\u00e1i m\u1edf th\u1ebb t\u00edn d\u1ee5ng: Kh\u00e1ch ph\u00e1 s\u1ea3n, NH \u00f4m n\u1ee3"},"content":{"rendered":"(VNN) – Trong cu\u1ed9c ch\u1ea1y \u0111ua gi\u00e1nh kh\u00e1ch ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng, \u0111\u00e3 c\u00f3 kh\u00f4ng \u00edt \u0111i\u1ec1u ki\u1ec7n r\u00e0ng bu\u1ed9c v\u1ec1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ecb xem nh\u1eb9. Ch\u00ednh v\u00ec th\u1ebf, nguy c\u01a1 ph\u00e1t sinh n\u1ee3 x\u1ea5u t\u1eeb vi\u1ec7c ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng \u1ed3 \u1ea1t c\u0169ng t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 x\u1ea3y ra \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng.<\/strong><\/em><\/p>\n

M\u1ed9t ng\u01b0\u1eddi 3 b\u1ed1n th\u1ebb t\u00edn d\u1ee5ng<\/strong><\/p>\n

\"\"<\/p>\n

M\u1eb7c d\u00f9 kh\u00f4ng c\u00f3 nhu c\u1ea7u chi ti\u00eau nhi\u1ec1u nh\u01b0ng anh Nguy\u1ec5n Minh Khanh (nh\u00e2n vi\u00ean kinh doanh c\u1ee7a m\u1ed9t c\u00f4ng ty B\u0110S \u1edf H\u00e0 \u0110\u00f4ng, H\u00e0 N\u1ed9i) s\u1edf h\u1eefu t\u1edbi 3 th\u1ebb t\u00edn d\u1ee5ng kh\u00e1c nhau c\u1ee7a ng\u00e2n h\u00e0ng v\u1edbi h\u1ea1n m\u1ee9c chi ti\u00eau l\u00ean t\u1edbi h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng. V\u1edbi m\u1ee9c thu nh\u1eadp v\u00e0o h\u00e0ng “kh\u1ee7ng” t\u1eeb kinh doanh B\u0110S, c\u00e1ch \u0111\u00e2y m\u1ea5y n\u0103m anh Khanh \u0111\u01b0\u1ee3c nhi\u1ec1u NH s\u0103n \u0111\u00f3n, \u01b0u \u00e1i trong vi\u1ec7c m\u1edf th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n

Tuy nhi\u00ean, hi\u1ec7n nay, anh \u0111ang th\u1ea5t nghi\u1ec7p \u1edf nh\u00e0, thu nh\u1eadp c\u0169ng kh\u00f4ng \u1ed5n \u0111\u1ecbnh ch\u00ednh v\u00ec th\u1ebf kh\u00f4ng c\u00f3 \u0111\u1ee7 t\u00e0i ch\u00ednh \u0111\u1ec3 chi ti\u00eau th\u1ebb. “M\u1eb7c d\u00f9 m\u00ecnh \u0111\u00e3 c\u00f3 ba th\u1ebb t\u00edn d\u1ee5ng nh\u01b0ng v\u1eabn lu\u00f4n nh\u1eadn \u0111\u01b0\u1ee3c l\u1eddi m\u1eddi m\u1edf th\u1ebb c\u1ee7a kh\u00f4ng \u00edt NH”, anh cho hay.<\/p>\n

Vi\u1ec7c c\u1ea5p th\u1ebb t\u00edn d\u1ee5ng kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u0103n c\u1ee9 v\u00e0o vi\u1ec7c kh\u00e1ch h\u00e0ng \u0111\u00e3 c\u00f3 bao nhi\u00eau th\u1ebb. Ch\u1ecb Nguy\u1ec5n Thanh Nga (nh\u00e2n vi\u00ean marketing m\u1ed9t b\u1ec7nh vi\u1ec7n t\u01b0 nh\u00e2n c\u1ee7a H\u00e0 N\u1ed9i) c\u0169ng \u0111\u1ed3ng s\u1edf h\u1eefu t\u1edbi 3 th\u1ebb t\u00edn d\u1ee5ng. Ch\u1ecb Nga cho hay, m\u1eb7c d\u00f9 ch\u1ecb \u0111\u00e3 th\u00f4ng b\u00e1o v\u1edbi nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u1ee7a NH r\u1eb1ng ch\u1ecb \u0111\u00e3 c\u00f3 t\u1edbi 2-3 th\u1ebb t\u00edn d\u1ee5ng nh\u01b0ng v\u1eabn nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi “kh\u00f4ng v\u1ea5n \u0111\u1ec1 g\u00ec, ch\u1ec9 c\u1ea7n ch\u1ecb ch\u1ee9ng minh \u0111\u01b0\u1ee3c thu nh\u1eadp”.<\/p>\n

Ch\u1ecb Nga cho hay, c\u00e1c NH ch\u1ec9 c\u1ea7n kh\u00e1ch h\u00e0ng c\u00f3 b\u1ea3ng sao k\u00ea thu nh\u1eadp h\u00e0ng th\u00e1ng (thanh to\u00e1n qua NH) c\u00f9ng v\u1edbi c\u00e1c gi\u1ea5y t\u1edd ph\u00e1p l\u00fd kh\u00e1c (CMND, h\u1ed9 kh\u1ea9u, h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng,…) l\u00e0 c\u00f3 th\u1ec3 m\u1edf th\u1ebb t\u00edn d\u1ee5ng. Th\u1ee7 t\u1ee5c r\u1ea5t \u0111\u01a1n gi\u1ea3n, th\u1eadm ch\u00ed c\u00f3 NH t\u1edbi t\u1eadn n\u01a1i \u0111\u1ec3 l\u00e0m m\u1ecdi th\u1ee7 t\u1ee5c cho ch\u1ecb.<\/p>\n

\u0110\u1ea1i di\u1ec7n m\u1ed9t NH th\u1eeba nh\u1eadn, m\u1ed7i kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 s\u1edf h\u1eefu nhi\u1ec1u lo\u1ea1i th\u1ebb kh\u00e1c nhau t\u1ea1i c\u00f9ng m\u1ed9t NH v\u00e0 \u1edf c\u00e1c NH kh\u00e1c. Kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n n\u1ed9p h\u1ed3 s\u01a1 g\u1ed3m b\u1ea3n photo h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, CMND, s\u1ed5 h\u1ed9 kh\u1ea9u, sao k\u00ea b\u1ea3ng l\u01b0\u01a1ng 3 th\u00e1ng g\u1ea7n nh\u1ea5t l\u00e0 \u0111\u01b0\u1ee3c c\u1ea5p th\u1ebb sau 5-7 ng\u00e0y v\u1edbi h\u1ea1n m\u1ee9c t\u00f9y theo thu nh\u1eadp h\u1eb1ng th\u00e1ng.<\/p>\n

Nguy c\u01a1 n\u1ee3 x\u1ea5u<\/strong><\/p>\n

T\u00edn d\u1ee5ng c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 xem l\u00e0 m\u1ed9t trong nh\u1eefng bi\u1ec3u hi\u1ec7n t\u00edch c\u1ef1c c\u1ee7a b\u1ed9 m\u1eb7t kinh t\u1ebf. Tuy nhi\u00ean, kh\u00f4ng \u00edt chuy\u00ean gia lo ng\u1ea1i n\u1ee3 x\u1ea5u t\u1eeb th\u1ebb t\u00edn d\u1ee5ng s\u1ebd gia t\u0103ng m\u1ed9t khi n\u1ec1n kinh t\u1ebf c\u00f3 d\u1ea5u hi\u1ec7u ng\u00e0y m\u1ed9t sa s\u00fat nh\u01b0 hi\u1ec7n nay. Ph\u00ed cao, l\u00e3i cao nh\u01b0ng r\u1ee7i ro t\u1eeb cho vay qua th\u1ebb c\u0169ng r\u1ea5t l\u1edbn v\u00ec \u0111\u00e2y l\u00e0 lo\u1ea1i h\u00ecnh cho vay t\u00edn ch\u1ea5p.<\/p>\n

Ri\u00eang t\u1ea1i TP.HCM, c\u00f3 kho\u1ea3ng 20 tri\u1ec7u th\u1ebb \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh c\u00f3 ngh\u0129a m\u1ed7i ng\u01b0\u1eddi d\u00e2n th\u00e0nh ph\u1ed1 \u0111ang s\u1edf h\u1eefu t\u1eeb 2-3 lo\u1ea1i th\u1ebb. N\u1ee3 x\u1ea5u t\u1eeb th\u1ebb t\u00edn d\u1ee5ng hi\u1ec7n nay ch\u1ec9 chi\u1ebfm 1% t\u1ed5ng n\u1ee3 x\u1ea5u, nh\u01b0ng t\u1ed1c \u0111\u1ed9 gia t\u0103ng nhanh ch\u00f3ng.<\/p>\n

Theo chuy\u00ean gia kinh t\u1ebf Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, khi doanh nghi\u1ec7p \u0111\u00f3ng c\u1eeda, thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng b\u1ecb \u1ea3nh h\u01b0\u1edfng t\u1ee9c th\u00ec. V\u00ec v\u1eady n\u1ebfu h\u1ecd \u0111ang c\u00f3 t\u00edn d\u1ee5ng t\u1ea1i NH th\u00ec h\u1ecd s\u1ebd m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, nguy c\u01a1 n\u1ee3 x\u1ea5u l\u00e0 hi\u1ec7n h\u1eefu.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, \u0111\u1ea1i di\u1ec7n m\u1ed9t ng\u00e2n h\u00e0ng cho r\u1eb1ng, trong b\u1ed1i c\u1ea3nh kinh t\u1ebf kh\u00f3 kh\u0103n, kh\u1ea3 n\u0103ng kh\u00e1ch h\u00e0ng m\u1ea5t vi\u1ec7c l\u00e0m ho\u1eb7c thu nh\u1eadp gi\u1ea3m nh\u01b0ng ng\u00e2n h\u00e0ng kh\u00f4ng x\u00e1c minh l\u1ea1i khi t\u00e1i c\u1ea5p th\u1ebb c\u0169ng l\u00e0 nguy c\u01a1 g\u00e2y n\u1ee3 x\u1ea5u r\u1ea5t l\u1edbn.<\/p>\n

Nhi\u1ec1u s\u1ea3n ph\u1ea9m th\u1ebb \u0111\u01b0\u1ee3c \u0111\u01b0a ra v\u1edbi h\u1ea1n m\u1ee9c t\u1eeb v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ebfn v\u00e0i tr\u0103m tri\u1ec7u, c\u00f3 khi \u0111\u1ebfn c\u1ea3 t\u1ef7 \u0111\u1ed3ng th\u1eadm ch\u00ed kh\u00f4ng gi\u1edbi h\u1ea1n th\u1eddi h\u1ea1n thanh to\u00e1n. Nh\u01b0ng do cu\u1ed9c ch\u1ea1y \u0111ua trong ph\u00e1t h\u00e0nh th\u1ebb, \u0111\u00e3 c\u00f3 kh\u00f4ng \u00edt \u0111i\u1ec1u kho\u1ea3n r\u00e0ng bu\u1ed9c v\u1ec1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc \u0111\u00f3 b\u1ecb xem nh\u1eb9.<\/p>\n

Nhi\u1ec1u kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ec3 tr\u1ea3 l\u01b0\u01a1ng cho nh\u00e2n vi\u00ean, tr\u1ea3 l\u00e3i cho NH d\u00f9 m\u1ee9c ph\u00ed r\u00fat ti\u1ec1n m\u1eb7t l\u00ean t\u1edbi 6-7%\/n\u0103m. Khi kh\u00e1ch h\u00e0ng “nh\u1eafm m\u1eaft” vay b\u1eb1ng m\u1ecdi gi\u00e1 th\u00ec ch\u1eafc ch\u1eafn kh\u1ea3 n\u0103ng thu h\u1ed3i v\u1ed1n se\u0303 kho\u0301 kh\u0103n, n\u1ee3 x\u1ea5u kh\u00f3 x\u1eed l\u00fd v\u00ec kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

TS L\u00ea \u0110\u00ecnh Vinh ph\u00e2n t\u00edch, th\u1ef1c t\u1ebf n\u00e0y gi\u1ed1ng nh\u01b0 vi\u1ec7c ch\u00fang ta c\u00f3 m\u1ed9t B\u0110S m\u00e0 c\u00f3 th\u1ec3 mang th\u1ebf ch\u1ea5p t\u1ea1i nhi\u1ec1u NH v\u00e0 vay \u0111\u01b0\u1ee3c nhi\u1ec1u ti\u1ec1n t\u1ea1i nhi\u1ec1u NH kh\u00e1c nhau. \u0110i\u1ec1u n\u00e0y l\u00e0 r\u1ea5t r\u1ee7i ro v\u1ec1 ph\u00eda NH v\u00ec kh\u00e1ch h\u00e0ng d\u1ec5 m\u1ea5t thanh kho\u1ea3n khi c\u00f9ng c\u00f3 d\u01b0 n\u1ee3 t\u1ea1i nhi\u1ec1u NH.<\/p>\n

\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam) nh\u1eadn \u0111\u1ecbnh, th\u00f4ng th\u01b0\u1eddng NH s\u1ebd c\u1eaft ho\u1eb7c gi\u1ea3m h\u1ea1n m\u1ee9c trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 l\u00e0 \u1edf ch\u1ed7 kh\u00f4ng n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c th\u00f4ng tin k\u1ecbp th\u1eddi, m\u1eb7c d\u00f9 th\u01b0\u1eddng th\u00ec NH hay c\u00f3 c\u00e1c tho\u1ea3 thu\u1eadn v\u1edbi c\u01a1 quan, trong \u0111\u00f3 \u0111\u1ec1 ngh\u1ecb c\u01a1 quan v\u00e0 trong h\u1ee3p \u0111\u1ed3ng th\u01b0\u1eddng y\u00eau c\u1ea7u ng\u01b0\u1eddi m\u1edf th\u1ebb ph\u1ea3i th\u00f4ng ph\u1ea3i khi c\u00f3 s\u1ef1 thay \u0111\u1ed5i nh\u01b0 v\u1eady.<\/em><\/p>\n

“N\u1ebfu kh\u00f4ng c\u00f3 ho\u1eb7c c\u00f3 nh\u01b0ng t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00f4ng ch\u1eafc ch\u1eafn, th\u00ec kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 c\u0169ng r\u1ea5t kh\u00f3 kh\u0103n, m\u1eb7c d\u00f9 th\u01b0\u1eddng ch\u1ec9 l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f4ng l\u1edbn”, \u00f4ng \u0110\u1ee9c cho hay.<\/em><\/p>\n

Ngo\u00e0i vi\u1ec7c gia t\u0103ng t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u th\u00ec nguy c\u01a1 r\u1ee7i ro c\u00f2n c\u00f3 th\u1ec3 \u0111\u1ebfn t\u1eeb nh\u1eefng t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao khi m\u00e0 s\u1ed1 l\u01b0\u1ee3ng th\u1ebb ph\u00e1t h\u00e0nh qu\u00e1 nhi\u1ec1u kh\u00f3 ki\u1ec3m so\u00e1t.<\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng \u0111ang ph\u1ea3i tr\u1ea3 gi\u00e1 cho vi\u1ec7c ch\u1ea1y theo ch\u1ec9 ti\u00eau ph\u00e1t h\u00e0nh th\u1ebb tr\u01b0\u1edbc \u0111\u00f3. H\u1ecd \u0111ang d\u1ea7n si\u1ebft l\u1ea1i \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi m\u1edf th\u1ebb nh\u1eb1m ng\u0103n ng\u1eeba n\u1ee3 x\u1ea5u gia t\u0103ng, si\u1ebft ch\u1eb7t qu\u1ea3n l\u00fd th\u1ebb kh\u00f4ng ph\u1ea3i chuy\u1ec7n ri\u00eang c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0o.<\/p>\n

(118\/1.061)<\/p>\n

Th\u1ebb t\u00edn d\u1ee5ng: L\u1ee3i nh\u00e0 gi\u1ea7u, \u0111au nh\u00e0 ngh\u00e8o!<\/strong><\/p>\n

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  1. V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng li\u1ec7u c\u00f3 gia t\u0103ng n\u1ee3 x\u1ea5u?<\/li>\n<\/ol>\n

    – M\u1edf th\u1ebb t\u00edn d\u1ee5ng ch\u00ednh l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c cho vay. V\u00ec v\u1eady, n\u1ebfu kh\u00f4ng th\u1ea9m \u0111\u1ecbnh k\u1ef9 t\u01b0 c\u00e1ch v\u00e0 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng, th\u00ec nguy c\u01a1 n\u1ee3 x\u1ea5u l\u00e0 ch\u1eafc ch\u1eafn. Th\u1eddi h\u1ea1n cho vay \u0111\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng c\u0169ng ng\u1eafn h\u01a1n cho vay th\u00f4ng th\u01b0\u1eddng, cho n\u00ean n\u1ee3 x\u1ea5u c\u0169ng s\u1ebd \u1eadp \u0111\u1ebfn nhanh h\u01a1n. N\u1ebfu kh\u00f4ng c\u00f3 ho\u1eb7c c\u00f3 nh\u01b0ng t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00f4ng ch\u1eafc ch\u1eafn, th\u00ec kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 c\u0169ng r\u1ea5t kh\u00f3 kh\u0103n, m\u1eb7c d\u00f9 th\u01b0\u1eddng ch\u1ec9 l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f4ng l\u1edbn.<\/p>\n

      \n
    1. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, anh c\u00f3 l\u1eddi khuy\u00ean g\u00ec v\u1edbi h\u1ecd khi quy\u1ebft \u0111\u1ecbnh m\u1edf c\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng?<\/li>\n<\/ol>\n

      – Th\u1ebb t\u00edn d\u1ee5ng r\u1ea5t ti\u1ec7n d\u1ee5ng \u0111\u1ec3 mua h\u00e0ng ho\u00e1, d\u1ecbch v\u1ee5, nh\u1ea5t l\u00e0 khi ra n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u00f2n c\u00f3 th\u1ec3 d\u00f9ng \u0111\u1ec3 r\u00fat ti\u1ec1n m\u1eb7t. Tuy nhi\u00ean, n\u1ebfu d\u00f9ng \u0111\u1ec3 r\u00fat ti\u1ec1n m\u1eb7t th\u00ec s\u1ebd ph\u1ea3i tr\u1ea3 m\u1ed9t m\u1ee9c ph\u00ed cao h\u01a1n nhi\u1ec1u so v\u1edbi r\u00fat ti\u1ec1n b\u1eb1ng th\u1ebb ATM (ch\u1ec9 m\u1ea5t m\u1ed9t v\u00e0i ngh\u00ecn, th\u1eadm ch\u00ed \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed). B\u1ea3n ch\u1ea5t c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng l\u00e0 d\u00e0nh cho ng\u01b0\u1eddi c\u00f3 ti\u1ec1n nh\u01b0ng nh\u1ea5t th\u1eddi b\u1ecb thi\u1ebfu h\u1ee5t ho\u1eb7c kh\u00f4ng mu\u1ed1n ti\u00eau ti\u1ec1n m\u1eb7t. V\u00ec v\u1eady, n\u1ebfu kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh, chi ti\u00eau qu\u00e1 \u00edt ho\u1eb7c th\u1ef1c s\u1ef1 c\u00f3 nhu c\u1ea7u, th\u00ec s\u1ebd kh\u00f4ng hi\u1ec7u qu\u1ea3. Th\u1eadm ch\u00ed, s\u1ebd c\u1ea3m th\u1ea5y \u0111\u1eaft v\u00ec m\u1ea5t oan chi ph\u00ed th\u01b0\u1eddng ni\u00ean \u0111\u1ec3 duy tr\u00ec th\u1ebb (cao h\u01a1n nhi\u1ec1u so v\u1edbi th\u1ebb ATM).<\/p>\n

      \u0110\u1eb7c bi\u1ec7t vi\u1ec7c s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng kh\u00e1 d\u1ec5 d\u00e0ng, kh\u00f4ng c\u1ea7n m\u1eadt kh\u1ea9u, n\u00ean r\u1ea5t d\u1ec5 b\u1ecb l\u1ee3i d\u1ee5ng, gian l\u1eadn n\u1ebfu \u0111\u1ec3 ng\u01b0\u1eddi kh\u00e1c (k\u1ec3 c\u1ea3 c\u00e1c \u0111i\u1ec3m thanh to\u00e1n th\u1ebb kh\u00f4ng tin c\u1eady) bi\u1ebft \u0111\u01b0\u1ee3c d\u00e3y s\u1ed1 in c\u00f4ng khai tr\u00ean th\u1ebb.<\/p>\n

      S\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c vay n\u1ee3 “\u0103n tr\u01b0\u1edbc, tr\u1ea3 sau”, 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. 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.<\/p>\n

      Do \u0111\u00f3 th\u1ebb t\u00edn d\u1ee5ng ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao v\u00e0 th\u01b0\u1eddng xuy\u00ean c\u00f3 nhu c\u1ea7u mua s\u1eafm \u1edf nh\u1eefng n\u01a1i ch\u00e1p nh\u1eadn thanh to\u00e1n th\u1ebb. Ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp kh\u00f4ng cao v\u00e0 ng\u01b0\u1eddi \u00edt mua s\u1eafm th\u00ec ch\u01b0a n\u00ean s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng v\u00e0 n\u1ebfu c\u00f3, th\u00ec c\u0169ng n\u00ean c\u00e2n nh\u1eafc kh\u00f4ng s\u1eed d\u1ee5ng nhi\u1ec1u th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n

      Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng\u00a0Thanh \u0110\u1ee9c<\/p>\n

      Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/p>\n

      Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/p>\n

      \n

      Di\u1ec5n \u0111\u00e0n kinh t\u1ebf Vi\u1ec7t Nam VEF thu\u1ed9c VNN 24-8-2013:<\/em><\/p>\n

      http:\/\/vef.vn\/tranh-luan-online\/2013-08-23-thoai-mai-mo-the-tin-dung-khach-pha-san-nh-om-no<\/a><\/em><\/p>\n

       <\/p>\n

       <\/p>\n

       ","protected":false},"excerpt":{"rendered":"

      (VNN) – Trong cu\u1ed9c ch\u1ea1y \u0111ua gi\u00e1nh kh\u00e1ch ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng, \u0111\u00e3 c\u00f3 kh\u00f4ng \u00edt \u0111i\u1ec1u ki\u1ec7n r\u00e0ng bu\u1ed9c v\u1ec1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ecb xem nh\u1eb9. Ch\u00ednh v\u00ec th\u1ebf, nguy c\u01a1 ph\u00e1t sinh n\u1ee3 x\u1ea5u t\u1eeb vi\u1ec7c ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng \u1ed3 \u1ea1t c\u0169ng t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 […]<\/p>\n","protected":false},"author":1,"featured_media":23618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[29],"class_list":["post-23617","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-truong-thanh-duc"],"acf":[],"yoast_head":"\n335. 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Ch\u00ednh v\u00ec th\u1ebf, nguy c\u01a1 ph\u00e1t sinh n\u1ee3 x\u1ea5u t\u1eeb vi\u1ec7c ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng \u1ed3 \u1ea1t c\u0169ng t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/335-thoai-mai-mo-the-tin-dung-khach-pha-san-nh-om-no\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2013-08-24T06:35:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-27T06:38:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/credit-card.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/vi\/335-thoai-mai-mo-the-tin-dung-khach-pha-san-nh-om-no\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/335-thoai-mai-mo-the-tin-dung-khach-pha-san-nh-om-no\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"335. 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