{"id":24165,"date":"2019-07-22T16:11:08","date_gmt":"2019-07-22T09:11:08","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24165"},"modified":"2022-05-31T16:38:40","modified_gmt":"2022-05-31T09:38:40","slug":"2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/","title":{"rendered":"2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao"},"content":{"rendered":"(KT\u0110T) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer – P2P) tuy ch\u1ec9 m\u1edbi xu\u1ea5t hi\u1ec7n \u1edf Vi\u1ec7t Nam v\u00e0i n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay \u0111\u00e3 c\u00f3 40 c\u00f4ng ty cho vay ngang h\u00e0ng t\u1ea1i Vi\u1ec7t Nam. Tuy nhi\u00ean, do thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd n\u00ean ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty theo m\u00f4 h\u00ecnh P2P \u0111ang l\u00e0m d\u1ea5y l\u00ean lo ng\u1ea1i v\u1ec1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c b\u00ean tham gia.<\/strong><\/p>\n

\"\"<\/em><\/p>\n

\u1ea2nh minh h\u1ecda.<\/em><\/p>\n

H\u00ecnh th\u1ee9c cho vay m\u1edbi<\/strong><\/p>\n

P2P l\u00e0 m\u00f4 h\u00ecnh k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi c\u00f3 v\u1ed1n v\u00e0 ng\u01b0\u1eddi c\u1ea7n v\u1ed1n th\u00f4ng qua n\u1ec1n t\u1ea3ng tr\u1ef1c tuy\u1ebfn. C\u00f3 th\u1ec3 h\u00ecnh dung P2P ho\u1ea1t \u0111\u1ed9ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 m\u00f4 h\u00ecnh Uber, Grab trong l\u0129nh v\u1ef1c cho vay. Th\u00f4ng qua k\u00eanh n\u00e0y, c\u00e1c c\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u vay nhanh c\u00e1c kho\u1ea3n ti\u1ec1n nh\u1ecf trong th\u1eddi gian ng\u1eafn c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd qua internet. Kho\u1ea3n vay s\u1ebd \u0111\u01b0\u1ee3c x\u00e9t duy\u1ec7t v\u00e0 gi\u1ea3i ng\u00e2n trong kho\u1ea3ng th\u1eddi gian l\u00e0 4 gi\u1edd l\u00e0m vi\u1ec7c v\u1edbi l\u1ea7n vay \u0111\u1ea7u v\u00e0 30 ph\u00fat v\u1edbi c\u00e1c l\u1ea7n vay sau. Ng\u01b0\u1eddi vay ti\u1ec1n kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n hay gi\u1ea5y t\u1edd v\u00e0 kh\u00f4ng b\u1ecb y\u00eau c\u1ea7u g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp.<\/p>\n\n\n\n
Vi\u1ec7t Nam hi\u1ec7n c\u00f3 40 DN P2P \u0111ang ho\u1ea1t \u0111\u1ed9ng, trong \u0111\u00f3 c\u00f3 10 DN c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb Trung Qu\u1ed1c, m\u1ed9t s\u1ed1 c\u00f4ng ty t\u1eeb Indonesia v\u00e0 Singapore. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft, m\u1ed9t s\u1ed1 c\u00f4ng ty \u0111\u00e3 xu\u1ea5t hi\u1ec7n nh\u1eefng ho\u1ea1t \u0111\u1ed9ng bi\u1ebfn t\u01b0\u1edbng, vi ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng v\u00e0 t\u00edn d\u1ee5ng. Trong khi ch\u01b0a c\u00f3 khung ph\u00e1p l\u00fd ch\u00ednh th\u1ee9c, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc y\u00eau c\u1ea7u c\u00e1c TCTD t\u00ecm hi\u1ec3u, n\u1eafm r\u00f5 c\u00e1c r\u1ee7i ro ph\u00e1t sinh t\u1eeb P2P. Th\u1eadn tr\u1ecdng trong vi\u1ec7c k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty P2P \u0111\u1ec3 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng, uy t\u00edn c\u1ee7a TCTD v\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u1ea1i Vi\u1ec7t Nam, v\u1edbi l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u00ednh th\u1ee9c kh\u00e1 cao (kho\u1ea3ng 79% theo s\u1ed1 li\u1ec7u t\u1eeb Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi), trong khi t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng internet v\u00e0 Smartphone gia t\u0103ng c\u00f9ng v\u1edbi thu nh\u1eadp v\u00e0 ti\u00eau d\u00f9ng gia t\u0103ng th\u00ec \u0111\u00e2y \u0111\u01b0\u1ee3c coi nh\u01b0 l\u00e0 m\u1ea3nh \u0111\u1ea5t \u201cm\u00e0u m\u1ee1\u201d cho l\u0129nh v\u1ef1c cho vay P2P ph\u00e1t tri\u1ec3n.<\/p>\n

\u0110\u01a1n c\u1eed nh\u01b0 Tima – h\u1ec7 th\u1ed1ng cho vay ngang h\u00e0ng \u0111\u1ea7u ti\u00ean t\u1ea1i Vi\u1ec7t Nam. T\u1ea1i th\u1eddi \u0111i\u1ec3m ra m\u1eaft ch\u00ednh th\u1ee9c v\u00e0o th\u00e1ng 12\/2017, l\u01b0\u1ee3ng \u0111\u01a1n vay m\u1edbi c\u1ee7a Tima \u1edf m\u1ee9c 1.000 \u0111\u01a1n\/ng\u00e0y. \u0110\u1ebfn nay, s\u1ed1 li\u1ec7u c\u1eadp nh\u1eadt m\u1edbi nh\u1ea5t t\u1eeb Tima, \u0111\u00e3 k\u1ebft n\u1ed1i cho vay th\u00e0nh c\u00f4ng \u0111\u01b0\u1ee3c h\u01a1n 30.000 t\u1ef7 \u0111\u1ed3ng v\u1edbi g\u1ea7n 1,5 tri\u1ec7u \u0111\u1ed3ng kh\u00e1ch h\u00e0ng. Tima \u0111\u1eb7t m\u1ee5c ti\u00eau th\u00ed \u0111i\u1ec3m m\u00f4 h\u00ecnh c\u1eeda h\u00e0ng online to offline tr\u00ean 63 t\u1ec9nh, TP.<\/p>\n

Trong khi \u0111\u00f3, Vaymuon.vn c\u00f4ng b\u1ed1 ch\u1ec9 cho vay t\u1eeb 1 – 10 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian t\u1eeb 7 – 45 ng\u00e0y. Hay h\u1ec7 th\u1ed1ng Mofin g\u1ecdi v\u1ed1n c\u1ed9ng \u0111\u1ed3ng cung c\u1ea5p c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng, bao g\u1ed3m cho vay sinh vi\u00ean, cho vay mua xe. C\u00f2n HuyDong cung c\u1ea5p c\u00e1c kho\u1ea3n vay cho DN, Lendbiz cung c\u1ea5p c\u00e1c kho\u1ea3n cho vay DN si\u00eau nh\u1ecf.<\/p>\n

C\u1ea7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd ph\u00f9 h\u1ee3p<\/strong><\/p>\n

\u01afu \u0111i\u1ec3m c\u1ee7a h\u00ecnh th\u1ee9c cho vay ngang h\u00e0ng l\u00e0 t\u1ea1o k\u1ebft n\u1ed1i cho hai b\u00ean qua tr\u1ef1c tuy\u1ebfn g\u1eb7p nhau v\u00e0 ra quy\u1ebft \u0111\u1ecbnh nhanh h\u01a1n. Tuy nhi\u00ean, \u0111i k\u00e8m v\u1edbi thu\u1eadn l\u1ee3i, vi\u1ec7c \u0111\u1ea7u t\u01b0 tr\u00ean P2P c\u0169ng c\u00f3 nh\u1eefng r\u1ee7i ro. Ch\u1eb3ng h\u1ea1n m\u1ed9t c\u00f4ng ty P2P \u0111ang gi\u1edbi thi\u1ec7u cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 1,5%\/th\u00e1ng (18%\/n\u0103m), nh\u01b0ng l\u1ea1i th\u00f4ng b\u00e1o v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1ee9c l\u00e3i h\u00e0ng th\u00e1ng 20%\/n\u0103m. Hay m\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb kh\u00f4ng t\u00ednh l\u00e3i m\u00e0 thu ph\u00ed t\u01b0 v\u1ea5n c\u1ed1 \u0111\u1ecbnh 150.000 \u0111\u1ed3ng\/m\u1ed7i kho\u1ea3n vay 1 – 5 tri\u1ec7u \u0111\u1ed3ng, kho\u1ea3n ph\u00ed chuy\u1ec3n ti\u1ec1n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 cho ng\u01b0\u1eddi vay t\u1eeb 50.000 \u0111\u1ed3ng tr\u1edf l\u00ean. Nh\u01b0 v\u1eady, m\u1ed9t kho\u1ea3n vay 1 tri\u1ec7u \u0111\u1ed3ng m\u1ea5t ph\u00ed t\u1ed1i thi\u1ec3u 200.000 \u0111\u1ed3ng, ch\u01b0a k\u1ec3 \u0111a s\u1ed1 kho\u1ea3n vay c\u00f3 th\u1eddi h\u1ea1n ch\u01b0a \u0111\u1ebfn m\u1ed9t th\u00e1ng.<\/p>\n

\u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0, khi tham gia P2P, t\u1ee9c \u0111em ti\u1ec1n \u0111i cho vay \u0111\u1ec3 h\u01b0\u1edfng l\u00e3i su\u1ea5t cao g\u1ea5p 3 – 4 l\u1ea7n g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, l\u00e3i su\u1ea5t cao n\u00ean r\u1ee7i ro c\u0169ng l\u1edbn. M\u1ed9t s\u1ed1 c\u00f4ng ty P2P y\u00eau c\u1ea7u \u0111\u1ec3 tr\u1edf th\u00e0nh ng\u01b0\u1eddi cho vay kh\u00e1ch h\u00e0ng n\u1ed9p ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n b\u1eb1ng c\u00e1ch chuy\u1ec3n kho\u1ea3n qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty s\u1ebd chuy\u1ec3n \u0111\u1ebfn ng\u01b0\u1eddi vay. Ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean t\u00e0i kho\u1ea3n h\u1ec7 th\u1ed1ng ch\u00ednh l\u00e0 gi\u00e1m \u0111\u1ed1c c\u00f4ng ty. H\u1ea7u nh\u01b0 c\u00e1c c\u00f4ng ty P2P \u0111\u1ec1u kh\u1eb3ng \u0111\u1ecbnh s\u1ebd \u0111\u1ea3m b\u1ea3o kho\u1ea3n ti\u1ec1n cho vay nh\u01b0ng giao d\u1ecbch kh\u00f4ng g\u1eb7p m\u1eb7t, ho\u00e0n to\u00e0n th\u00f4ng qua \u1ee9ng d\u1ee5ng n\u00ean v\u1eabn ti\u1ec1m \u1ea9n nh\u1eefng r\u1ee7i ro, v\u00ec P2P v\u1eabn ch\u01b0a ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a quy \u0111\u1ecbnh n\u00e0o.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span>, hi\u1ec7n ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng nh\u01b0 tr\u00ean. \u00d4ng \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh, c\u00e1c c\u00f4ng ty n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) \u0111\u1ec3 ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 ti\u1ec1n cho vay tr\u00e1ch nhi\u1ec7m v\u00e0 r\u1ee7i ro s\u1ebd r\u1ea5t l\u1edbn. Ng\u01b0\u1ee3c l\u1ea1i, r\u1ee7i ro cho ng\u01b0\u1eddi vay c\u0169ng c\u00f3 n\u1ebfu nh\u01b0 d\u1ecbch v\u1ee5 t\u0103ng l\u00e3i su\u1ea5t b\u1ea5t ng\u1edd, thay \u0111\u1ed5i c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho vay v\u00e0 thanh to\u00e1n… \u0110\u1ed3ng th\u1eddi \u0111\u01b0a ra c\u1ea3nh b\u00e1o: \u201cM\u00f4 h\u00ecnh n\u00e0y n\u1ebfu kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, cung ti\u1ec1n cho n\u1ec1n kinh t\u1ebf khi ngu\u1ed3n ti\u1ec1n nh\u00e0n r\u1ed7i b\u1ecb h\u00fat v\u00e0o”.\u00a0<\/em><\/p>\n

Trong khi \u0111\u00f3, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Ph\u1ea1m Xu\u00e2n H\u00f2e cho r\u1eb1ng, m\u00f4 h\u00ecnh P2P l\u00e0 s\u1ea3n ph\u1ea9m s\u00e1ng t\u1ea1o c\u1ee7a th\u1ecb tr\u01b0\u1eddng, kh\u00f4ng n\u00ean c\u1ea5m m\u00e0 ph\u1ea3i \u1ee7ng h\u1ed9 s\u1ef1 s\u00e1ng t\u1ea1o. Gi\u1ea3i ph\u00e1p \u0111\u1ec3 \u1ee7ng h\u1ed9 l\u00e0 x\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd th\u1eed nghi\u1ec7m cho lo\u1ea1i h\u00ecnh n\u00e0y ho\u1ea1t \u0111\u1ed9ng l\u00e0nh m\u1ea1nh, ng\u0103n ch\u1eb7n v\u00e0 lo\u1ea1i b\u1ecf c\u00e1c c\u00f4ng ty P2P ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en tr\u00e1 h\u00ecnh. \u0110\u01b0\u1ee3c bi\u1ebft, hi\u1ec7n Ch\u00ednh ph\u1ee7 \u0111ang giao c\u00e1c b\u1ed9, ng\u00e0nh kh\u1ea3o s\u00e1t, \u0111\u00e1nh gi\u00e1 th\u1ef1c tr\u1ea1ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty P2P Lending t\u1ea1i Vi\u1ec7t Nam \u0111\u1ec3 x\u00e2y d\u1ef1ng khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd cho l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

(134\/1.100)<\/em><\/p>\n

Tr\u00e2m Anh<\/strong><\/p>\n

——————<\/p>\n

Kinh t\u1ebf & \u0110\u00f4 th\u1ecb (Kinh t\u1ebf) 22-7-2019:<\/em><\/strong><\/p>\n

http:\/\/kinhtedothi.vn\/bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao-348383.html<\/em><\/a><\/p>\n

(134\/1.100)<\/em>","protected":false},"excerpt":{"rendered":"

(KT\u0110T) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer – P2P) tuy ch\u1ec9 m\u1edbi xu\u1ea5t hi\u1ec7n \u1edf Vi\u1ec7t Nam v\u00e0i n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay \u0111\u00e3 c\u00f3 40 c\u00f4ng ty cho vay ngang h\u00e0ng t\u1ea1i Vi\u1ec7t Nam. Tuy nhi\u00ean, do thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd n\u00ean ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty theo […]<\/p>\n","protected":false},"author":10,"featured_media":24180,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24165","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao - 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\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(KT\u0110T) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer – P2P) tuy ch\u1ec9 m\u1edbi xu\u1ea5t hi\u1ec7n \u1edf Vi\u1ec7t Nam v\u00e0i n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay \u0111\u00e3 c\u00f3 40 c\u00f4ng ty cho vay ngang h\u00e0ng t\u1ea1i Vi\u1ec7t Nam. Tuy nhi\u00ean, do thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd n\u00ean ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty theo […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/\" \/>\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=\"2019-07-22T09:11:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-31T09:38:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"450\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\" \/>\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=\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/2d150c4ef033c94d530c391731b640b9\"},\"headline\":\"2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao\",\"datePublished\":\"2019-07-22T09:11:08+00:00\",\"dateModified\":\"2022-05-31T09:38:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/\"},\"wordCount\":1652,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg\",\"articleSection\":[\"Tr\u00edch d\u1eabn\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/\",\"name\":\"[:vi]2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg\",\"datePublished\":\"2019-07-22T09:11:08+00:00\",\"dateModified\":\"2022-05-31T09:38:40+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg\",\"width\":750,\"height\":450},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"(Ti\u1ebfng Vi\u1ec7t) 2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/2d150c4ef033c94d530c391731b640b9\",\"name\":\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/48c13c33fcaee5c68ce1912665eb14ad7e85ea7575821e274a185c42319818d0?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/48c13c33fcaee5c68ce1912665eb14ad7e85ea7575821e274a185c42319818d0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/48c13c33fcaee5c68ce1912665eb14ad7e85ea7575821e274a185c42319818d0?s=96&d=mm&r=g\",\"caption\":\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\"},\"sameAs\":[\"http:\\\/\\\/anvilaw.com\"],\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/hoangtv\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao[:] - ANVI Law Firm","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao[:] - ANVI Law Firm","og_description":"(KT\u0110T) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer – P2P) tuy ch\u1ec9 m\u1edbi xu\u1ea5t hi\u1ec7n \u1edf Vi\u1ec7t Nam v\u00e0i n\u0103m qua nh\u01b0ng \u0111\u1ebfn nay \u0111\u00e3 c\u00f3 40 c\u00f4ng ty cho vay ngang h\u00e0ng t\u1ea1i Vi\u1ec7t Nam. Tuy nhi\u00ean, do thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd n\u00ean ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty theo […]","og_url":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2019-07-22T09:11:08+00:00","article_modified_time":"2022-05-31T09:38:40+00:00","og_image":[{"width":750,"height":450,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg","type":"image\/jpeg"}],"author":"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"8 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/"},"author":{"name":"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/2d150c4ef033c94d530c391731b640b9"},"headline":"2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao","datePublished":"2019-07-22T09:11:08+00:00","dateModified":"2022-05-31T09:38:40+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/"},"wordCount":1652,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg","articleSection":["Tr\u00edch d\u1eabn","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/","url":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/","name":"[:vi]2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg","datePublished":"2019-07-22T09:11:08+00:00","dateModified":"2022-05-31T09:38:40+00:00","breadcrumb":{"@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/37b1d721-4a1b-48e7-b1ad-bdb2df1308a9.jpg","width":750,"height":450},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/en\/2-312-bung-no-mo-hinh-cho-vay-p2p-tiem-nang-lon-nhung-rui-ro-cao\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"(Ti\u1ebfng Vi\u1ec7t) 2.312. B\u00f9ng n\u1ed5 m\u00f4 h\u00ecnh cho vay P2P: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro cao"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/2d150c4ef033c94d530c391731b640b9","name":"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/48c13c33fcaee5c68ce1912665eb14ad7e85ea7575821e274a185c42319818d0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/48c13c33fcaee5c68ce1912665eb14ad7e85ea7575821e274a185c42319818d0?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/48c13c33fcaee5c68ce1912665eb14ad7e85ea7575821e274a185c42319818d0?s=96&d=mm&r=g","caption":"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng"},"sameAs":["https:\/\/anvilaw.com"],"url":"https:\/\/anvilaw.com\/vi\/author\/hoangtv\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/24165","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=24165"}],"version-history":[{"count":0,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/24165\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/24180"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=24165"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=24165"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=24165"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}