{"id":23725,"date":"2016-04-01T17:49:29","date_gmt":"2016-04-01T10:49:29","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23725"},"modified":"2022-05-29T17:50:12","modified_gmt":"2022-05-29T10:50:12","slug":"1-024-can-quy-dinh-rieng-cho-tin-dung-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-024-can-quy-dinh-rieng-cho-tin-dung-tieu-dung\/","title":{"rendered":"1.024. C\u1ea7n quy \u0111\u1ecbnh ri\u00eang cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng"},"content":{"rendered":"(\u0110TCK)\u00a0– T\u1ea1i \u0110HC\u0110 th\u01b0\u1eddng ni\u00ean 2016 t\u1ed5 ch\u1ee9c \u0111\u1ea7u tu\u1ea7n n\u00e0y, \u00f4ng Nguy\u1ec5n \u0110\u1ee9c Vinh, T\u1ed5ng gi\u00e1m \u0111\u1ed1c VPBank cho bi\u1ebft, l\u00e3i sau thu\u1ebf c\u1ee7a Ng\u00e2n h\u00e0ng \u0111\u1ea1t 2.396 t\u1ef7 \u0111\u1ed3ng, trong \u0111\u00f3 ri\u00eang C\u00f4ng ty T\u00e0i ch\u00ednh VPBank (FE Credit) \u0111\u00f3ng g\u00f3p g\u1ea7n 960 t\u1ef7 \u0111\u1ed3ng nh\u1edd ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng.<\/p>\n

\"\"<\/strong><\/p>\n

C\u00e1c quy \u0111\u1ecbnh t\u1ea1i Quy ch\u1ebf 1627 \u0111\u00e3 l\u1ea1c h\u1eadu v\u00e0 g\u00e2y b\u1ea5t c\u1eadp \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh<\/em><\/p>\n

Trong 2 n\u0103m g\u1ea7n \u0111\u00e2y, VPBank \u0111\u1ea9y m\u1ea1nh cho vay t\u00edn ch\u1ea5p v\u1edbi m\u1ea3ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 \u0111i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n trong B\u00e1o c\u00e1o th\u01b0\u1eddng ni\u00ean 2015 v\u1edbi d\u01b0 n\u1ee3 c\u00e1c kho\u1ea3n vay t\u00edn ch\u1ea5p c\u1ee7a VPBank t\u0103ng 136%. Ch\u00ednh nh\u1edd ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u1edfi s\u1eafc m\u00e0 s\u1ed1 nh\u00e2n s\u1ef1 t\u1ea1i VPBank t\u0103ng g\u1ea7n 3.500 ng\u01b0\u1eddi trong n\u0103m 2015, trong \u0111\u00f3 ng\u00e2n h\u00e0ng m\u1eb9 tuy\u1ec3n th\u00eam 1.000 ng\u01b0\u1eddi, c\u00f2n l\u1ea1i ph\u1ea7n l\u1edbn l\u00e0 t\u1eeb c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

L\u00fd gi\u1ea3i v\u1ec1 s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a FE Credit kh\u00f4ng kh\u00f3, b\u1edfi th\u1ef1c t\u1ebf nhu c\u1ea7u vay v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh r\u1ea5t \u0111a d\u1ea1ng, bao g\u1ed3m nhu c\u1ea7u c\u1ee7a doanh nghi\u1ec7p, c\u00e1 nh\u00e2n, trung-d\u00e0i h\u1ea1n v\u1edbi m\u1ee5c \u0111\u00edch kinh doanh, ti\u00eau d\u00f9ng\u2026<\/p>\n

Song tr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e1p \u1ee9ng \u0111\u1ee7 m\u1ecdi nhu c\u1ea7u. \u0110\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi cho vay ti\u00eau d\u00f9ng, lo\u1ea1i h\u00ecnh t\u00edn d\u1ee5ng \u0111\u1eb7c th\u00f9 v\u1edbi y\u00eau c\u1ea7u nhanh trong gi\u1ea3i ng\u00e2n, tho\u00e1ng v\u1ec1 \u0111i\u1ec1u ki\u1ec7n v\u00e0 g\u1ecdn nh\u1eb9 v\u1ec1 th\u1ee7 t\u1ee5c, trong khi nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y l\u1ea1i kh\u00f3 th\u1ef1c hi\u1ec7n v\u1edbi ng\u00e2n h\u00e0ng b\u1edfi c\u00e1c kho\u1ea3n vay ph\u1ea3i qua nhi\u1ec1u qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh ng\u1eb7t ngh\u00e8o\u2026<\/p>\n

Nhu c\u1ea7u vay v\u1ed1n l\u00e0 l\u1edbn, trong khi vi\u1ec7c \u0111\u00e1p \u1ee9ng l\u1ea1i th\u1ea5p n\u00ean th\u1eddi gian qua, s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u1edbi vi\u1ec7c cho vay ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u l\u1edbn c\u1ee7a th\u1ecb tr\u01b0\u1eddng, khi m\u00e0 tr\u01b0\u1edbc \u0111\u00e2y ph\u1ea3i t\u00ecm \u0111\u1ebfn ti\u1ec7m c\u1ea7m \u0111\u1ed3 ho\u1eb7c t\u00edn d\u1ee5ng \u0111en, \u0111\u00e3 t\u1ea1o ra nh\u1eefng b\u01b0\u1edbc ngo\u1eb7t cho c\u1ea3 c\u00f4ng ty t\u00e0i ch\u00ednh l\u1eabn ng\u01b0\u1eddi \u0111i vay. Th\u1ef1c t\u1ebf \u0111\u00e3 ch\u1ee9ng minh s\u1ef1 t\u0103ng tr\u01b0\u1edfng nhanh c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u1eddi gian qua, v\u1edbi \u0111i\u1ec3n h\u00ecnh l\u00e0 FE Credit, c\u0169ng nh\u01b0 m\u1ed9t lo\u1ea1t c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh chu\u1ea9n b\u1ecb \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng trong th\u1eddi gian t\u1edbi. R\u00f5 r\u00e0ng, \u0111\u00e2y l\u00e0 lo\u1ea1i h\u00ecnh cho vay r\u1ea5t \u0111\u00e1ng khuy\u1ebfn kh\u00edch ph\u00e1t tri\u1ec3n.<\/p>\n

M\u1eb7c d\u00f9 kh\u00f4ng \u0111\u1ec1 c\u1eadp tr\u1ef1c di\u1ec7n, nh\u01b0ng d\u01b0\u1edbi c\u00e1c h\u00ecnh th\u1ee9c kh\u00e1c nhau, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang \u201cv\u1eadt v\u00e3\u201d v\u1ec1 \u0111\u01b0\u1eddng h\u01b0\u1edbng ph\u00e1t tri\u1ec3n, b\u1edfi cho vay ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay n\u1eb1m chung trong khu\u00f4n kh\u1ed5 c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh b\u1edfi c\u00e1c TCTD.<\/p>\n

Theo \u0111\u00f3, ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean c\u01a1 s\u1edf c\u00e1c khung ph\u00e1p l\u00fd nh\u01b0: Lu\u1eadt C\u00e1c TCTD, ho\u1ea1t \u0111\u1ed9ng cho vay \u0111\u1eb7c th\u00f9 c\u0103n c\u1ee9 v\u00e0o quy ch\u1ebf cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh 1627\/2001\/Q\u0110-NHNN ng\u00e0y 31\/12\/2001. Ngo\u00e0i ra, tr\u00ean th\u1ef1c t\u1ebf, \u0111\u1ec3 v\u1eadn h\u00e0nh \u0111\u01b0\u1ee3c c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, TCTD ban h\u00e0nh m\u1ed9t s\u1ed1 quy tr\u00ecnh nghi\u1ec7p v\u1ee5, \u0111i\u1ec1u ki\u1ec7n n\u1ed9i b\u1ed9 \u0111\u1ec3 \u00e1p d\u1ee5ng tr\u00ean c\u01a1 s\u1edf khung ph\u00e1p l\u00fd, tuy nhi\u00ean tr\u1ecdng t\u00e2m v\u1eabn l\u00e0 Quy ch\u1ebf cho vay 1627 c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh 1627.<\/p>\n

\u201cTuy nhi\u00ean, Quy ch\u1ebf 1627 ch\u1ec9 l\u00e0 quy \u0111\u1ecbnh cho vay s\u1ea3n xu\u1ea5t kinh doanh, m\u00e0 g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o d\u00e0nh cho vi\u1ec7c cho vay ti\u00eau d\u00f9ng. Th\u1eadm ch\u00ed sau n\u00e0y, NHNN c\u00f2n h\u01b0\u1edbng d\u1eabn vi\u1ec7c cho vay, c\u1ea7m c\u1ed1 b\u1eb1ng gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 c\u0169ng ph\u1ea3i x\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch vay v\u1ed1n nh\u01b0 \u0111\u1ed1i v\u1edbi cho vay s\u1ea3n xu\u1ea5t kinh doanh\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m<\/em> \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, <\/em>n\u00f3i.<\/em><\/p>\n

\u0110\u01b0\u01a1ng nhi\u00ean, Lu\u1eadt C\u00e1c TCTD \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 chung, c\u00f2n c\u00e1c quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i quy \u0111\u1ecbnh ph\u00e1p l\u00fd v\u00e0 g\u1ed1c c\u1ee7a khung ph\u00e1p l\u00fd v\u1eabn l\u00e0 Quy ch\u1ebf 1627, nh\u01b0ng quy \u0111\u1ecbnh n\u00e0y l\u1ea1i d\u00e0nh cho t\u1ea5t c\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng vay trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u1ee7a c\u00e1c TCTD n\u00f3i chung v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh n\u00f3i ri\u00eang. <\/em><\/p>\n

\u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a r\u1eb1ng, c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 TCTD \u0111\u1ec1u ph\u1ee5 thu\u1ed9c v\u00e0o Quy ch\u1ebf 1627, cho d\u00f9 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 TCTD l\u00e0 kh\u00e1c nhau. B\u00ean c\u1ea1nh \u0111\u00f3, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng ch\u1ec9 m\u1edbi b\u00f9ng ph\u00e1t trong v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y, trong khi Quy ch\u1ebf 1627 \u0111\u00e3 ban h\u00e0nh t\u1eeb n\u0103m 2001 cho th\u1ea5y t\u00ednh ch\u1ea5t c\u1ee7a c\u00e1c quy \u0111\u1ecbnh \u0111\u00e3 l\u1ed7i th\u1eddi, b\u1ea5t c\u1eadp v\u00e0 l\u1ea1c h\u1eadu so v\u1edbi ho\u1ea1t \u0111\u1ed9ng th\u1ef1c t\u1ebf.<\/em><\/p>\n

C\u0169ng theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, c\u00f4ng ty t\u00e0i ch\u00ednh cho vay ti\u00eau d\u00f9ng s\u1ebd ph\u1ea3i th\u1ef1c hi\u1ec7n \u0111\u00fang theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u00e0 Quy ch\u1ebf 1627 v\u1ec1 c\u00e1c nguy\u00ean t\u1eafc, \u0111i\u1ec1u ki\u1ec7n, th\u1ee7 t\u1ee5c cho vay ch\u1ee9 kh\u00f4ng th\u1ec3 kh\u00e1c. Hi\u1ec3n nhi\u00ean, \u0111i\u1ec1u n\u00e0y s\u1ebd l\u00e0m t\u0103ng th\u00eam kh\u00f3 kh\u0103n, ph\u1ee9c t\u1ea1p kh\u00f4ng c\u1ea7n thi\u1ebft, g\u00e2y t\u1ed1n k\u00e9m th\u1eddi gian, chi ph\u00ed. <\/em><\/p>\n

\u201cTuy nhi\u00ean, trong tr\u01b0\u1eddng h\u1ee3p l\u00e0m kh\u00f4ng th\u1eadt \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh, th\u00ec c\u01a1 quan thanh-ki\u1ec3m tra c\u0169ng \u2018t\u1eb7c l\u01b0\u1ee1i\u2019 d\u1ec5 d\u00e0ng b\u1ecf qua h\u01a1n so v\u1edbi cho vay s\u1ea3n xu\u1ea5t kinh doanh\u201d, Lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 nh\u1ee9c nh\u1ed1i nh\u1ea5t c\u1ea7n ch\u1ec9nh s\u1eeda \u0111\u00f3 l\u00e0 c\u01a1 ch\u1ebf l\u00e3i su\u1ea5t xoay quanh ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng. N\u1ebfu theo quy \u0111\u1ecbnh hi\u1ec7n nay, r\u00e0o c\u1ea3n th\u1ef1c t\u1ebf cho m\u1ecdi ho\u1ea1t \u0111\u1ed9ng cho vay n\u1eb1m \u1edf B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, l\u0129nh v\u1ef1c ngo\u00e0i ng\u00e0nh ng\u00e2n h\u00e0ng. B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hi\u1ec7n h\u00e0nh quy \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, trong khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u1edbi s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0o n\u0103m 2017 c\u0169ng \u0111\u01b0a ra m\u1ee9c l\u00e3i su\u1ea5t k\u1ecbch tr\u1ea7n l\u00ean t\u1edbi 20%\/n\u0103m v\u00e0 l\u01b0u \u00fd cho ph\u00e9p tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n

\u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a r\u1eb1ng, l\u1ea1i ph\u1ea3i tr\u00f4ng ch\u1edd v\u00e0o ng\u00e2n h\u00e0ng. N\u00ean v\u1ec1 c\u01a1 b\u1ea3n, Lu\u1eadt C\u00e1c TCTD n\u00ean ch\u00fa \u00fd t\u1ea1o ra h\u00e0nh lang ph\u00e1p l\u00fd an to\u00e0n v\u1ec1 l\u00e3i su\u1ea5t cho l\u0129nh v\u1ef1c n\u00e0y, n\u1ebfu kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u1ea1i vi ph\u1ea1m lu\u1eadt.<\/p>\n

Nhu\u1ec7 M\u1eabn<\/strong><\/p>\n

————–<\/p>\n

\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n (Ti\u1ec1n t\u1ec7) 01-4-2016:<\/em><\/strong><\/p>\n

http:\/\/tinnhanhchungkhoan.vn\/tien-te\/can-quy-dinh-rieng-cho-tin-dung-tieu-dung-147046.html<\/a><\/em><\/p>\n

(335\/1.100)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110TCK)\u00a0– T\u1ea1i \u0110HC\u0110 th\u01b0\u1eddng ni\u00ean 2016 t\u1ed5 ch\u1ee9c \u0111\u1ea7u tu\u1ea7n n\u00e0y, \u00f4ng Nguy\u1ec5n \u0110\u1ee9c Vinh, T\u1ed5ng gi\u00e1m \u0111\u1ed1c VPBank cho bi\u1ebft, l\u00e3i sau thu\u1ebf c\u1ee7a Ng\u00e2n h\u00e0ng \u0111\u1ea1t 2.396 t\u1ef7 \u0111\u1ed3ng, trong \u0111\u00f3 ri\u00eang C\u00f4ng ty T\u00e0i ch\u00ednh VPBank (FE Credit) \u0111\u00f3ng g\u00f3p g\u1ea7n 960 t\u1ef7 \u0111\u1ed3ng nh\u1edd ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng. C\u00e1c […]<\/p>\n","protected":false},"author":2,"featured_media":23726,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-23725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.024. 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