{"id":24168,"date":"2019-07-31T16:12:10","date_gmt":"2019-07-31T09:12:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24168"},"modified":"2022-05-31T16:38:21","modified_gmt":"2022-05-31T09:38:21","slug":"2-315-cho-vay-ngang-hang-nhieu-tien-ich-lam-rui-ro","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-315-cho-vay-ngang-hang-nhieu-tien-ich-lam-rui-ro\/","title":{"rendered":"2.315. Cho vay ngang h\u00e0ng: Nhi\u1ec1u ti\u1ec7n \u00edch, l\u1eafm r\u1ee7i ro"},"content":{"rendered":"
(PT) – <\/span>V\u00e0i n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Vi\u1ec7t Nam xu\u1ea5t hi\u1ec7n m\u1ed9t lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 m\u1edbi – cho vay ngang h\u00e0ng (P2P Lending) – \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng gi\u1ea3i b\u00e0i to\u00e1n nan gi\u1ea3i c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u1ed1n. Tuy nhi\u00ean, nhi\u1ec1u chuy\u00ean gia lo ng\u1ea1i r\u1eb1ng, l\u00e3i su\u1ea5t cao d\u1ec5 d\u1eabn \u0111\u1ebfn m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, ng\u01b0\u1eddi vay ti\u1ec1n ph\u1ea3i ch\u1ecbu c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u00f2i n\u1ee3 ki\u1ec3u x\u00e3 h\u1ed9i \u0111en.<\/strong><\/div>\n
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Nhi\u1ec1u ti\u1ec7n \u00edch h\u1ea5p d\u1eabn<\/strong><\/p>\n

Vi\u1ec7t Nam \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t trong nh\u1eefng qu\u1ed1c gia c\u00f3 ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng gi\u00e0u ti\u1ec1m n\u0103ng khi d\u00e2n s\u1ed1 h\u01a1n 96 tri\u1ec7u ng\u01b0\u1eddi, trong \u0111\u00f3 c\u00f3 t\u1edbi 60% n\u1eb1m trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng. Theo b\u00e1o c\u00e1o c\u1ee7a Stoxplus (c\u00f4ng ty chuy\u00ean cung c\u1ea5p th\u00f4ng tin v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 doanh nghi\u1ec7p Vi\u1ec7t Nam), gi\u00e1 tr\u1ecb c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam \u01b0\u1edbc \u0111\u1ea1t 1 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng v\u00e0o n\u0103m 2019.<\/p>\n\n\n\n\n
\"nhieu<\/a><\/em><\/td>\n<\/tr>\n
Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam hi\u1ec7n nay ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng P2P Lending<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Th\u1ebf nh\u01b0ng, m\u1ed9t th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi (WB) ch\u1ec9 ra r\u1eb1ng, 79% ng\u01b0\u1eddi d\u00e2n kh\u00f3 ho\u1eb7c kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u00ednh th\u1ee9c. Ng\u00e2n h\u00e0ng ch\u01b0a h\u1ed7 tr\u1ee3 c\u00e1c d\u1ecbch v\u1ee5 vay v\u1ed1n nh\u1ecf v\u00ec chi ph\u00ed v\u1eadn h\u00e0nh l\u1edbn, kh\u00f4ng c\u00f3 \u0111\u1ee7 m\u1ea1ng l\u01b0\u1edbi ho\u1eb7c ngu\u1ed3n l\u1ef1c con ng\u01b0\u1eddi\u2026 Ch\u00ednh h\u1ea1n ch\u1ebf n\u00e0y \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho t\u00edn d\u1ee5ng \u0111en c\u00f3 c\u01a1 h\u1ed9i \u201cb\u1ee7a v\u00e2y\u201d ng\u01b0\u1eddi d\u00e2n. M\u00f4 h\u00ecnh P2P Lending \u0111\u01b0\u1ee3c xem l\u00e0 gi\u1ea3i ph\u00e1p m\u1edbi c\u00f3 kh\u1ea3 n\u0103ng gi\u1ea3i b\u00e0i to\u00e1n nan gi\u1ea3i \u0111\u00f3.<\/p>\n

P2P Lending \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u00e0 x\u00e2y d\u1ef1ng tr\u00ean n\u1ec1n t\u1ea3ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111\u1ec3 k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp ng\u01b0\u1eddi \u0111i vay v\u1edbi ng\u01b0\u1eddi cho vay kh\u00f4ng th\u00f4ng qua trung gian t\u00e0i ch\u00ednh nh\u01b0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD), chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

M\u1ed9t \u01b0u \u0111i\u1ec3m c\u1ee7a P2P Lending l\u00e0 d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 Big Data, vi\u1ec7c ph\u00e2n t\u00edch \u0111\u00e1nh gi\u00e1 v\u00e0 ki\u1ec3m so\u00e1t t\u1ea5t c\u1ea3 th\u00f4ng tin kh\u00e1ch h\u00e0ng ho\u00e0n to\u00e0n tr\u1ef1c tuy\u1ebfn. Qua \u0111\u00f3, vi\u1ec7c th\u1ea9m \u0111\u1ecbnh th\u00f4ng tin kh\u00e1ch h\u00e0ng s\u1ebd nhanh, hi\u1ec7u qu\u1ea3 v\u00e0 chi ph\u00ed th\u1ea5p h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi h\u00ecnh th\u1ee9c truy\u1ec1n th\u1ed1ng. B\u00ean c\u1ea1nh \u0111\u00f3, l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean c\u01a1 s\u1edf ph\u00e2n t\u00edch th\u00f4ng tin kh\u00e1ch h\u00e0ng, t\u00e0i kho\u1ea3n m\u1ea1ng x\u00e3 h\u1ed9i, t\u00edn nhi\u1ec7m x\u00e3 h\u1ed9i\u2026 v\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c chia th\u00e0nh c\u00e1c nh\u00f3m t\u01b0\u01a1ng \u1ee9ng nh\u01b0 c\u1ee7a ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. H\u01a1n n\u1eefa, nhi\u1ec1u ph\u00e2n t\u00edch cho r\u1eb1ng, P2P Lending \u0111\u01b0\u1ee3c xem l\u00e0 gi\u1ea3i ph\u00e1p gi\u1ea3m thi\u1ec3u t\u00edn d\u1ee5ng \u0111en v\u1edbi l\u00e3i su\u1ea5t \u201cc\u1eaft c\u1ed5\u201d, cho vay tr\u00e1i ph\u00e1p lu\u1eadt.<\/p>\n

Chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Ph\u1ea1m Xu\u00e2n H\u00f2e cho hay, v\u1edbi P2P Lending, ng\u01b0\u1eddi cho vay s\u1ebd thu l\u1ee3i nhu\u1eadn cao h\u01a1n g\u1eedi ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng, ng\u01b0\u1eddi cho vay c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi vay m\u1ed9t l\u00fac, c\u00f3 th\u1ec3 ph\u00e2n t\u00e1n r\u1ee7i ro. Ngo\u00e0i ra, P2P Lending gi\u00fap cho c\u00e1c k\u00eanh d\u1eabn v\u1ed1n tr\u00ean th\u1ecb tr\u01b0\u1eddng tr\u1edf n\u00ean \u0111a d\u1ea1ng, t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n. C\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba, ho\u1eb7c si\u00eau nh\u1ecf khi c\u00f3 nhu c\u1ea7u v\u1ed1n ng\u1eafn h\u1ea1n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn ngu\u1ed3n t\u00edn d\u1ee5ng d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n

\u201cN\u1ebfu m\u00f4 h\u00ecnh P2P Lending \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u1ed1t s\u1ebd th\u00fac \u0111\u1ea9y c\u1ea1nh tranh, \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o cho n\u1ec1n kinh t\u1ebf. Vi\u1ec7c ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 h\u01a1n theo nguy\u00ean t\u1eafc th\u1ecb tr\u01b0\u1eddng\u201d, \u00f4ng Ph\u1ea1m Xu\u00e2n H\u00f2e nh\u1eadn \u0111\u1ecbnh.<\/p>\n

Th\u1ef1c t\u1ebf, P2P Lending \u0111\u00e3 ph\u00e1t tri\u1ec3n \u1edf nhi\u1ec1u n\u01b0\u1edbc k\u1ec3 t\u1eeb khi xu\u1ea5t hi\u1ec7n l\u1ea7n \u0111\u1ea7u \u1edf Anh v\u00e0o n\u0103m 2005. T\u1ea1i Vi\u1ec7t Nam, m\u1eb7c d\u00f9 ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt nh\u01b0ng hi\u1ec7n c\u00f3 40 doanh nghi\u1ec7p P2P Lending \u0111ang ho\u1ea1t \u0111\u1ed9ng, trong \u0111\u00f3 c\u00f3 10 doanh nghi\u1ec7p c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb Trung Qu\u1ed1c, m\u1ed9t s\u1ed1 doanh nghi\u1ec7p t\u1eeb Indonesia v\u00e0 Singapore.<\/p>\n\n\n\n
B\u00e0 D\u01b0\u01a1ng Nguy\u1ec5n – chuy\u00ean gia kinh t\u1ebf Ng\u00e2n h\u00e0ng Ph\u00e1t tri\u1ec3n ch\u00e2u \u00c1 (ADB): \u201cHi\u1ec7n ch\u01b0a c\u00f3 m\u1ed9t chu\u1ea9n m\u1ef1c qu\u1ea3n l\u00fd th\u1ed1ng nh\u1ea5t tr\u00ean to\u00e0n c\u1ea7u \u0111\u1ed1i v\u1edbi P2P Lending. Xu h\u01b0\u1edbng chung l\u00e0 c\u00e1c n\u01b0\u1edbc c\u1ed1 g\u1eafng c\u00e2n b\u1eb1ng gi\u1eefa r\u1ee7i ro v\u00e0 l\u1ee3i \u00edch, gi\u1eefa t\u1ea1o m\u00f4i tr\u01b0\u1eddng thu\u1eadn l\u1ee3i cho \u0111\u1ed5i m\u1edbi, s\u00e1ng t\u1ea1o v\u00e0 s\u1ef1 l\u00e0nh m\u1ea1nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh\u201d.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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N\u00f3i v\u1ec1 nh\u1eefng m\u1eb7t t\u00edch c\u1ef1c c\u1ee7a P2P Lending, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) c\u0169ng t\u1eebng th\u1eeba nh\u1eadn, n\u1ebfu \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u1ed1t, P2P Lending s\u1ebd g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ea1i c\u00e1c \u0111\u1ecba b\u00e0n m\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ch\u01b0a ph\u00e1t tri\u1ec3n, ng\u01b0\u1eddi d\u00e2n, c\u00e1c h\u1ed9 kinh doanh, doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba \u00edt c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng v\u1edbi chi ph\u00ed th\u1ea5p, \u00edt th\u1ee7 t\u1ee5c.<\/p>\n

R\u1ee7i ro kh\u00f3 ki\u1ec3m so\u00e1t<\/strong><\/p>\n

Tuy nhi\u00ean, ph\u00e2n t\u00edch \u1edf kh\u00eda c\u1ea1nh nguy c\u01a1 ti\u1ec1m \u1ea9n c\u1ee7a P2P Lending, nhi\u1ec1u chuy\u00ean gia cho r\u1eb1ng, r\u1ee7i ro kh\u00f4ng h\u1ec1 nh\u1ecf. Ng\u01b0\u1eddi cho vay c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng ti\u1ec1n khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m, h\u00e0nh lang ph\u00e1p l\u00fd b\u1ea3o h\u1ed9. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) m\u1edbi \u0111\u00e2y c\u0169ng \u0111\u00e3 l\u00ean ti\u1ebfng kh\u1eb3ng \u0111\u1ecbnh, ph\u00e1p lu\u1eadt Vi\u1ec7t Nam hi\u1ec7n nay ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 l\u0129nh v\u1ef1c n\u00e0y. V\u00ec th\u1ebf, NHNN 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 Lending, \u0111\u1ed3ng th\u1eddi 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 Lending \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.<\/p>\n

M\u1eb7c d\u00f9 th\u1eeba nh\u1eadn nh\u1eefng m\u1eb7t t\u00edch c\u1ef1c nh\u01b0ng chuy\u00ean gia Ph\u1ea1m Xu\u00e2n H\u00f2e c\u0169ng ch\u1ec9 ra h\u00e0ng lo\u1ea1t v\u1ea5n \u0111\u1ec1 r\u1eafc r\u1ed1i c\u00f3 th\u1ec3 s\u1ebd x\u1ea3y ra v\u1edbi c\u1ea3 ng\u01b0\u1eddi cho vay l\u1eabn ng\u01b0\u1eddi \u0111i vay. C\u1ee5 th\u1ec3, th\u00f4ng tin ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 b\u1ecb gi\u1ea3 m\u1ea1o, nguy hi\u1ec3m h\u01a1n l\u00e0 kh\u00f4ng th\u1ec3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n n\u00ean c\u00f3 th\u1ec3 d\u1eabn t\u1edbi n\u1ee3 x\u1ea5u. T\u1ec7 h\u01a1n, trong tr\u01b0\u1eddng h\u1ee3p hacker t\u1ea5n c\u00f4ng l\u00e0m s\u1eadp s\u00e0n, m\u1ea5t h\u1ebft d\u1eef li\u1ec7u, h\u1ee3p \u0111\u1ed3ng vay \u0111i\u1ec7n t\u1eed, ch\u1eef k\u00fd s\u1ed1 m\u1ea5t h\u1ebft\u2026 th\u00ec ng\u01b0\u1eddi cho vay l\u1ea5y c\u0103n c\u1ee9 g\u00ec \u0111\u1ec3 \u0111\u00f2i ti\u1ec1n? Ho\u1eb7c \u0111\u1ed1i v\u1edbi c\u00e1c s\u00e0n cho vay \u1ea3o d\u01b0\u1edbi d\u1ea1ng l\u1eeba \u0111\u1ea3o th\u00ec h\u1eadu qu\u1ea3 s\u1ebd ra sao?…<\/p>\n

C\u00f2n v\u1ec1 ph\u00eda ng\u01b0\u1eddi \u0111i vay, theo \u00f4ng H\u00f2e, d\u1ec5 ch\u1ecbu r\u1ee7i ro khi b\u1ecb \u201cch\u1eb7t ch\u00e9m\u201d v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 ph\u00ed cao do thi\u1ebfu hi\u1ec3u bi\u1ebft. Th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi \u0111i vay cung c\u1ea5p c\u00f3 th\u1ec3 b\u1ecb r\u00f2 r\u1ec9, b\u1ecb b\u00e1n. N\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, ng\u01b0\u1eddi vay ti\u1ec1n c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u00f2i n\u1ee3 ki\u1ec3u x\u00e3 h\u1ed9i \u0111en.<\/p>\n

Ph\u00e2n t\u00edch \u1edf m\u1ed9t g\u00f3c \u0111\u1ed9 kh\u00e1c v\u1ec1 nguy c\u01a1, TS C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng, h\u00ecnh th\u1ee9c P2P Lending do \u0111\u00f4i b\u00ean th\u1ecfa thu\u1eadn v\u00e0 kh\u00f4ng theo quy \u0111\u1ecbnh n\u00e0o c\u1ee7a NHNN, do v\u1eady l\u00e3i su\u1ea5t s\u1ebd r\u1ea5t cao. L\u00e3i su\u1ea5t cao d\u1eabn t\u1edbi h\u1ec7 l\u1ee5y l\u00e0 ng\u01b0\u1eddi \u0111i vay kh\u00f4ng \u0111\u1ee7 thu nh\u1eadp trang tr\u1ea3i l\u00e3i su\u1ea5t \u0111\u00fang h\u1ea1n, t\u1eeb \u0111\u00f3 d\u1eabn \u0111\u1ebfn l\u00e3i ch\u1ed3ng l\u00e3i, th\u1eadm ch\u00ed c\u00f3 th\u1ec3 m\u1ea5t nh\u00e0 c\u1eeda, t\u00e0i s\u1ea3n, g\u00e2y n\u00ean nh\u1eefng h\u1eadu qu\u1ea3 x\u00e3 h\u1ed9i kh\u00f4n l\u01b0\u1eddng…<\/p>\n

\u201c\u0110\u00f3 l\u00e0 ch\u01b0a k\u1ec3 \u0111\u1ebfn nh\u1eefng bi\u1ebfn t\u01b0\u1edbng c\u1ee7a P2P Lending nh\u01b0 t\u00edn d\u1ee5ng \u0111en tr\u00e1 h\u00ecnh ho\u1eb7c l\u1eeba \u0111\u1ea3o. Trong khi \u0111\u00f3, ng\u01b0\u1eddi cho vay l\u1ea1i kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng th\u1ea9m \u0111\u1ecbnh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi \u0111i vay, c\u00f2n c\u00e1c c\u00f4ng ty m\u00f4i gi\u1edbi ch\u1ec9 \u0111\u1ee9ng ra thu th\u1eadp th\u00f4ng tin gi\u1eefa hai b\u00ean, ho\u00e0n to\u00e0n kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m g\u00ec \u0111\u1ed1i v\u1edbi k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c vay m\u01b0\u1ee3n n\u00e0y. Gi\u1eefa c\u00e1c b\u00ean vay v\u00e0 cho vay l\u1ea1i ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng, kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn, v\u00ec v\u1eady r\u1ee7i ro r\u1ea5t l\u1edbn \u0111\u1ed5 l\u00ean \u0111\u1ea7u c\u1ea3 b\u00ean cho vay v\u00e0 b\u00ean vay\u201d – TS C\u1ea5n V\u0103n L\u1ef1c cho bi\u1ebft.<\/p>\n

Lo l\u1eafng nh\u1eefng r\u1ee7i ro \u1edf t\u1ea7m v\u0129 m\u00f4, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span> – c\u1ea3nh b\u00e1o: C\u00e1c c\u00f4ng ty P2P Lending kh\u00f4ng ph\u1ea3i l\u00e0 TCTD \u0111\u1ec3 ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a NHNN. 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… M\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 P2P Lending.<\/p>\n

M\u1eb7c d\u00f9 ch\u1ec9 ra nh\u1eefng nguy c\u01a1 l\u1edbn nh\u01b0ng v\u1eabn kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn nh\u1eefng l\u1ee3i \u00edch m\u00e0 P2P Lending mang l\u1ea1i. \u0110\u1ec3 P2P Lending ho\u1ea1t \u0111\u1ed9ng minh b\u1ea1ch, gi\u1ea3m thi\u1ec3u r\u1ee7i ro, nhi\u1ec1u chuy\u00ean gia cho r\u1eb1ng, c\u1ea7n ph\u1ea3i c\u00f3 khung ph\u00e1p l\u00fd v\u00e0 gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng ch\u1eb7t ch\u1ebd \u0111\u1ec3 kh\u00f4ng x\u1ea3y ra bi\u1ebfn t\u01b0\u1edbng, g\u00e2y nhi\u1ec1u h\u1ec7 l\u1ee5y cho x\u00e3 h\u1ed9i.<\/p>\n

TS C\u1ea5n V\u0103n L\u1ef1c khuy\u1ebfn ngh\u1ecb: \u0110\u1ec3 P2P Lending \u0111i v\u00e0o khu\u00f4n kh\u1ed5 c\u00f3 3 vi\u1ec7c ph\u1ea3i l\u00e0m: X\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c h\u1ec7 th\u1ed1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u l\u1edbn (Big Data) \u0111\u1ec3 nh\u1eadn di\u1ec7n m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng; c\u00f3 khung ph\u00e1p l\u00fd cho c\u00e1c c\u00f4ng ty fintech; c\u00f3 m\u1ed9t ngh\u1ecb \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd cho vay ngang h\u00e0ng.<\/p>\n<\/div>\n

\u0110\u1ee9c Minh<\/strong><\/p>\n<\/div>\n<\/div>\n

——————<\/p>\n

Petrolimex (Kinh t\u1ebf) 31-7-2019:<\/em><\/strong><\/p>\n

https:\/\/petrotimes.vn\/nhieu-tien-ich-lam-rui-ro-544518.html<\/em><\/a><\/p>\n

(118\/1.580)<\/em>","protected":false},"excerpt":{"rendered":"

(PT) – V\u00e0i n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Vi\u1ec7t Nam xu\u1ea5t hi\u1ec7n m\u1ed9t lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 m\u1edbi – cho vay ngang h\u00e0ng (P2P Lending) – \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng gi\u1ea3i b\u00e0i to\u00e1n nan gi\u1ea3i c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u1ed1n. Tuy nhi\u00ean, nhi\u1ec1u chuy\u00ean gia lo ng\u1ea1i r\u1eb1ng, l\u00e3i su\u1ea5t cao d\u1ec5 d\u1eabn […]<\/p>\n","protected":false},"author":10,"featured_media":24183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24168","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.315. 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