{"id":23896,"date":"2019-01-03T11:07:52","date_gmt":"2019-01-03T04:07:52","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23896"},"modified":"2022-05-30T11:11:33","modified_gmt":"2022-05-30T04:11:33","slug":"2-111-de-tin-dung-tieu-dung-phat-trien-hieu-qua-dung-ban-chat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-111-de-tin-dung-tieu-dung-phat-trien-hieu-qua-dung-ban-chat\/","title":{"rendered":"2.111. \u0110\u1ec3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n hi\u1ec7u qu\u1ea3, \u0111\u00fang b\u1ea3n ch\u1ea5t"},"content":{"rendered":"<strong>(TBNH) &#8211; Thu h\u00fat kh\u00e1ch h\u00e0ng l\u00e0 m\u1ee5c ti\u00eau quan tr\u1ecdng, song v\u1ec1 d\u00e0i h\u1ea1n vi\u1ec7c \u0111\u1ea3m b\u1ea3o qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3 r\u1ee7i ro t\u00edn d\u1ee5ng v\u1eabn lu\u00f4n l\u00e0 \u01b0u ti\u00ean s\u1ed1 m\u1ed9t \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/strong><\/p>\n<p><strong>Ph\u00e2n t\u00e1ch ti\u00eau d\u00f9ng v\u00e0 B\u0110S<\/strong><\/p>\n<p>Th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng c\u1ee7a Vi\u1ec7t Nam g\u1ea7n \u0111\u00e2y ph\u00e1t tri\u1ec3n kh\u00e1 nhanh. \u0110i\u1ec1u n\u00e0y m\u1ed9t m\u1eb7t ph\u1ea3n \u00e1nh xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu trong ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u1edf Vi\u1ec7t Nam khi n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng \u0111\u1ec1u \u1edf t\u1ed1c \u0111\u1ed9 kh\u00e1 cao (n\u0103m 2018 t\u0103ng tr\u01b0\u1edfng 7,08%). M\u1eb7t kh\u00e1c d\u00e2n s\u1ed1 tr\u1ebb, nhu c\u1ea7u vay l\u1edbn, c\u1ed9ng th\u00eam s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb c\u00f4ng ngh\u1ec7 cho ph\u00e9p gi\u1ea3m chi ph\u00ed qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n vay, khi\u1ebfn cho l\u0129nh v\u1ef1c vay ti\u00eau d\u00f9ng c\u00e0ng c\u1ea1nh tranh h\u01a1n.<\/p>\n<table width=\"325\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-23900 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/24-1-450x266.jpg\" alt=\"\" width=\"450\" height=\"266\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/24-1-450x266.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/24-1.jpg 484w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<\/tr>\n<tr>\n<td><em>C\u1ea7n b\u00f3c t\u00e1ch t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u00e0 t\u00edn d\u1ee5ng B\u0110S \u0111\u1ec3 nh\u1eadn di\u1ec7n r\u1ee7i ro<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a NHNN, d\u01b0 n\u1ee3 cho vay \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n mua, s\u1eeda nh\u00e0 v\u1edbi ngu\u1ed3n ti\u1ec1n tr\u1ea3 n\u1ee3 t\u1eeb l\u01b0\u01a1ng \u0111\u01b0\u1ee3c h\u1ea1ch to\u00e1n v\u00e0o cho vay ti\u00eau d\u00f9ng, c\u00f2n cho doanh nghi\u1ec7p vay ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n l\u00e0 cho vay B\u0110S. Tuy nhi\u00ean, th\u1ef1c t\u1ebf cho th\u1ea5y ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng th\u1eddi gian qua xu\u1ea5t hi\u1ec7n bi\u1ebfn t\u01b0\u1edbng, m\u1ed9t ph\u1ea7n kh\u00f4ng nh\u1ecf ch\u1ea1y v\u00e0o B\u0110S, ch\u1ee9ng kho\u00e1n. \u0110\u01a1n c\u1eed nh\u01b0 tr\u01b0\u1eddng h\u1ee3p m\u1ed9t ng\u01b0\u1eddi d\u00e2n \u0111i vay ng\u00e2n h\u00e0ng \u0111\u1ec3 mua B\u0110S, sau \u0111\u00f3 cho thu\u00ea l\u1ea1i th\u00ec B\u0110S \u0111\u00f3 \u0111\u01b0\u1ee3c xem l\u00e0 B\u0110S kinh doanh, tr\u00ean nguy\u00ean t\u1eafc ph\u1ea3i c\u1ed9ng v\u00e0o B\u0110S kinh doanh m\u1eb7c d\u00f9 l\u00e0 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n. Tuy nhi\u00ean, nhi\u1ec1u nh\u00e0 b\u0103ng l\u1ea1i x\u1ebfp tr\u01b0\u1eddng h\u1ee3p cho vay ti\u00eau d\u00f9ng, do ch\u1ee7 th\u1ec3 vay v\u1ed1n l\u00e0 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, \u0111\u1ec3 tr\u00e1nh ph\u1ea3i \u00e1p d\u1ee5ng t\u1ef7 l\u1ec7 t\u00ednh h\u1ec7 s\u1ed1 r\u1ee7i ro cao.<\/p>\n<p>Ch\u00ednh v\u00ec v\u1eady, TS. C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng, th\u00fac \u0111\u1ea9y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0 c\u1ea7n thi\u1ebft, song n\u00ean b\u00f3c t\u00e1ch c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 kinh doanh B\u0110S ra kh\u1ecfi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u1ec3 l\u0129nh v\u1ef1c n\u00e0y ph\u00e1t tri\u1ec3n an to\u00e0n, hi\u1ec7u qu\u1ea3, \u0111\u00fang v\u1edbi b\u1ea3n ch\u1ea5t.<\/p>\n<p>T\u1eeb \u0111\u1ea7u n\u0103m 2019, ch\u1eafc ch\u1eafn d\u00f2ng t\u00edn d\u1ee5ng ch\u1ea3y v\u00e0o l\u0129nh v\u1ef1c B\u0110S s\u1ebd \u0111\u01b0\u1ee3c si\u1ebft ch\u1eb7t h\u01a1n, m\u1ed9t m\u1eb7t do Ch\u00ednh ph\u1ee7, NHNN y\u00eau c\u1ea7u c\u00e1c TCTD ph\u1ea3i ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd t\u00edn d\u1ee5ng ch\u1ea3y v\u00e0o c\u00e1c l\u0129nh v\u1ef1c ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro nh\u01b0 B\u0110S ch\u1ee9ng kho\u00e1n; m\u1eb7t kh\u00e1c khi t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung v\u00e0 d\u00e0i h\u1ea1n gi\u1ea3m c\u00f2n 40% t\u1eeb 1\/1\/2019, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd ph\u1ea3i gi\u1ea3m b\u1edbt cho vay B\u0110S \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u1ed1n. TS. C\u1ea5n V\u0103n L\u1ef1c nh\u1eadn \u0111\u1ecbnh, t\u1ef7 l\u1ec7 cho vay l\u0129nh v\u1ef1c B\u0110S hi\u1ec7n nay \u01b0\u1edbc t\u00ednh ch\u1ec9 kho\u1ea3ng 7,5% t\u1ed5ng d\u01b0 n\u1ee3 to\u00e0n h\u1ec7 th\u1ed1ng. Nh\u01b0ng chuy\u00ean gia n\u00e0y c\u0169ng cho r\u1eb1ng, \u0111\u00e2y ch\u1ec9 l\u00e0 b\u00e1o c\u00e1o ph\u1ea7n cho vay kinh doanh B\u0110S (t\u1eeb ph\u00eda cung) m\u00e0 ch\u01b0a t\u00ednh v\u00e0o c\u00e1c kho\u1ea3n cho vay mua, s\u1eeda nh\u00e0 c\u1ee7a ng\u01b0\u1eddi d\u00e2n (t\u1eeb ph\u00eda c\u1ea7u).<\/p>\n<p>Chuy\u00ean gia cho r\u1eb1ng, \u0111\u1ec3 qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c minh b\u1ea1ch, c\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh v\u00e0 c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng vi\u1ec7c cho vay mua B\u0110S \u0111\u1ec3 \u0111\u1ea7u t\u01b0 hay ph\u1ee5c v\u1ee5 nhu c\u1ea7u c\u00e1 nh\u00e2n. \u201cN\u1ebfu mua\/s\u1eeda nh\u00e0 \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho nhu c\u1ea7u sinh ho\u1ea1t, s\u1ebd ph\u00e2n lo\u1ea1i l\u00e0 ti\u00eau d\u00f9ng, c\u00f2n mua nh\u00e0 \u0111\u1ec3 cho thu\u00ea s\u1ebd bu\u1ed9c ph\u1ea3i x\u1ebfp v\u00e0o \u0111\u1ea7u t\u01b0\u201d, v\u1ecb n\u00e0y cho hay.<\/p>\n<p><strong>\u0110\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i \u0111\u00f4i b\u00ean<\/strong><\/p>\n<p>Cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng l\u00e0 cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, n\u00ean vi\u1ec7c \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, l\u1ecbch s\u1eed vay, tr\u1ea3 n\u1ee3 v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c c\u1ee7a kh\u00e1ch h\u00e0ng v\u00f4 c\u00f9ng quan tr\u1ecdng. Tuy nhi\u00ean, theo c\u00e1c chuy\u00ean gia, b\u00ean cho vay th\u01b0\u1eddng l\u1ea1i kh\u00f4ng xem x\u00e9t \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y m\u00e0 thi\u00ean v\u1ec1 m\u1edf r\u1ed9ng s\u1ed1 l\u01b0\u1ee3ng cho vay d\u01b0\u1edbi s\u1ee9c \u00e9p c\u1ea1nh tranh th\u1ecb ph\u1ea7n. B\u1edfi v\u1eady, \u0111\u1ec3 cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng kh\u00f4ng ch\u1ec9 c\u1ea7n c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd \u0111\u1ec3 ng\u0103n ng\u1eeba r\u1ee7i ro m\u00e0 c\u0169ng \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng hay h\u1ea1n ch\u1ebf ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ea5p nh\u1eadn r\u1ee7i ro qu\u00e1 m\u1ee9c.<\/p>\n<p><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00eau \u00fd ki\u1ebfn: \u1ede c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u0169ng gi\u1ed1ng h\u01b0\u1edbng Vi\u1ec7t Nam \u0111ang \u0111i, nh\u01b0 kh\u00f4ng c\u00f3 tr\u1ea7n l\u00e3i su\u1ea5t v\u00e0 l\u00e3i su\u1ea5t cho vay c\u0169ng r\u1ea5t cao so v\u1edbi m\u1eb7t b\u1eb1ng chung. Tuy nhi\u00ean, h\u1ecd qu\u1ea3n l\u00fd c\u00e1c d\u1eef li\u1ec7u v\u1ec1 kh\u00e1ch h\u00e0ng r\u1ea5t chu\u1ea9n, nh\u01b0 kh\u00e1ch h\u00e0ng bao nhi\u00eau tu\u1ed5i, s\u1ee9c kho\u1ebb th\u1ebf n\u00e0o, thu nh\u1eadp v\u00e0 \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf ra sao n\u00ean r\u1ee7i ro th\u1ea5p h\u01a1n. Trong khi t\u1ea1i Vi\u1ec7t Nam, m\u1ecdi d\u1eef li\u1ec7u \u0111\u1ec1u ch\u01b0a th\u1eadt s\u1ef1 ch\u00ednh x\u00e1c, n\u1ebfu kh\u00f4ng mu\u1ed1n n\u00f3i l\u00e0 \u1ea3o, kh\u00f4ng chu\u1ea9n n\u00ean c\u00e1c TCTD th\u01b0\u1eddng \u00e1p d\u1ee5ng gi\u1ea3i ph\u00e1p x\u1eed l\u00fd theo h\u01b0\u1edbng \u0111\u1ea9y l\u00e3i su\u1ea5t l\u00ean cao \u0111\u1ec3 b\u00f9 \u0111\u1eafp r\u1ee7i ro cao c\u0169ng nh\u01b0 \u0111\u1eb7t ra c\u00e1c ti\u00eau chu\u1ea9n kh\u1eaft khe h\u01a1n.<\/em><\/p>\n<p>V\u1ec1 ph\u00eda c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u0111\u1ec3 m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n \u0111\u1ed3ng th\u1eddi qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng hi\u1ec7u qu\u1ea3, \u0111\u1ea3m b\u1ea3o t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u1edf m\u1ee9c th\u1ea5p, c\u1ea7n ph\u1ea3i \u00e1p d\u1ee5ng nh\u1eefng c\u00e1ch th\u1ee9c ti\u1ebfp c\u1eadn m\u1edbi ngay t\u1eeb vi\u1ec7c \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh cho vay hay kh\u00f4ng. Trong \u0111\u00f3, vi\u1ec7c ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng th\u00e0nh c\u00e1c nh\u00f3m kh\u00e1c nhau s\u1ebd gi\u00fap cho c\u00e1c \u0111\u01a1n v\u1ecb cho vay (ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh&#8230;) cung c\u1ea5p s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Ph\u00e2n nh\u00f3m kh\u00e1ch h\u00e0ng c\u0169ng h\u1ed7 tr\u1ee3 trong vi\u1ec7c quy\u1ebft \u0111\u1ecbnh gi\u00e1 tr\u1ecb kho\u1ea3n vay v\u00e0 s\u1ea3n ph\u1ea9m t\u01b0\u01a1ng \u1ee9ng.<\/p>\n<p>Thu h\u00fat kh\u00e1ch h\u00e0ng l\u00e0 m\u1ee5c ti\u00eau quan tr\u1ecdng, song v\u1ec1 d\u00e0i h\u1ea1n vi\u1ec7c \u0111\u1ea3m b\u1ea3o qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3 r\u1ee7i ro t\u00edn d\u1ee5ng v\u1eabn lu\u00f4n l\u00e0 \u01b0u ti\u00ean s\u1ed1 m\u1ed9t \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n<p><strong>Minh Khu\u00ea<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u00ednh \u2013 Ti\u1ec1n t\u1ec7) 03-01-2019:<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/thoibaonganhang.vn\/de-tin-dung-tieu-dung-phat-trien-hieu-qua-dung-ban-chat-83720.html\"><em>http:\/\/thoibaonganhang.vn\/de-tin-dung-tieu-dung-phat-trien-hieu-qua-dung-ban-chat-83720.html<\/em><\/a><\/p>\n<p><em>(138\/1.051)<\/em>","protected":false},"excerpt":{"rendered":"<p>(TBNH) &#8211; Thu h\u00fat kh\u00e1ch h\u00e0ng l\u00e0 m\u1ee5c ti\u00eau quan tr\u1ecdng, song v\u1ec1 d\u00e0i h\u1ea1n vi\u1ec7c \u0111\u1ea3m b\u1ea3o qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3 r\u1ee7i ro t\u00edn d\u1ee5ng v\u1eabn lu\u00f4n l\u00e0 \u01b0u ti\u00ean s\u1ed1 m\u1ed9t \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Ph\u00e2n t\u00e1ch ti\u00eau d\u00f9ng v\u00e0 B\u0110S [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":23900,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-23896","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 v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.111. \u0110\u1ec3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n hi\u1ec7u qu\u1ea3, \u0111\u00fang b\u1ea3n ch\u1ea5t - 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\/2-111-de-tin-dung-tieu-dung-phat-trien-hieu-qua-dung-ban-chat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.111. \u0110\u1ec3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n hi\u1ec7u qu\u1ea3, \u0111\u00fang b\u1ea3n ch\u1ea5t[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TBNH) &#8211; Thu h\u00fat kh\u00e1ch h\u00e0ng l\u00e0 m\u1ee5c ti\u00eau quan tr\u1ecdng, song v\u1ec1 d\u00e0i h\u1ea1n vi\u1ec7c \u0111\u1ea3m b\u1ea3o qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3 r\u1ee7i ro t\u00edn d\u1ee5ng v\u1eabn lu\u00f4n l\u00e0 \u01b0u ti\u00ean s\u1ed1 m\u1ed9t \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. 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