{"id":24647,"date":"2018-10-03T15:00:37","date_gmt":"2018-10-03T08:00:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24647"},"modified":"2022-06-16T13:44:35","modified_gmt":"2022-06-16T06:44:35","slug":"2-005-ngan-hang-nha-nuoc-coi-p2p-la-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-005-ngan-hang-nha-nuoc-coi-p2p-la-tin-dung-den\/","title":{"rendered":"2.005. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc coi P2P l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d?"},"content":{"rendered":"(CFL) – T\u1ea1i phi\u00ean h\u1ecdp b\u00e1o Ch\u00ednh ph\u1ee7 th\u01b0\u1eddng k\u1ef3 th\u00e1ng 9\/2018, khi \u0111\u01b0\u1ee3c h\u1ecfi v\u1ec1 h\u00ecnh th\u1ee9c cho vay online n\u1edf r\u1ed9, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 gi\u00e1n ti\u1ebfp kh\u1eb3ng \u0111\u1ecbnh, \u0111\u00e2y l\u00e0 h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng \u0111en v\u00e0 kh\u00f4ng n\u1eb1m trong ph\u1ea1m vi qu\u1ea3n l\u00fd c\u1ee7a NHNN.<\/strong><\/p>\n

Trong phi\u00ean h\u1ecdp, ph\u00f3ng vi\u00ean \u0111\u1eb7t c\u00e2u h\u1ecfi r\u1eb1ng th\u1eddi gian g\u1ea7n \u0111\u00e2y, vi\u1ec7c cho vay tr\u1ef1c tuy\u1ebfn n\u1edf r\u1ed9 v\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c bi\u1ebfn t\u01b0\u1edbng, th\u1eadm ch\u00ed cho vay v\u1edbi l\u00e3i su\u1ea5t cao. NHNN c\u00f3 bi\u1ec7n ph\u00e1p g\u00ec \u0111\u1ec3 ch\u1ea5n ch\u1ec9nh, qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng n\u00e0y?<\/p>\n

\u0110\u1ea1i di\u1ec7n NHNN, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n Th\u1ecb H\u1ed3ng cho bi\u1ebft trong qu\u00e1 tr\u00ecnh t\u1ed5 ch\u1ee9c \u0111i\u1ec1u h\u00e0nh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, th\u1eddi gian qua NHNN li\u00ean t\u1ee5c r\u00e0 so\u00e1t, ch\u1ec9nh s\u1eeda v\u00e0 b\u1ed5 sung nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 cho vay, trong \u0111\u00f3 c\u00f3 nh\u1eefng v\u0103n b\u1ea3n quy \u0111\u1ecbnh v\u1ec1 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n theo Th\u00f4ng t\u01b0 39, v\u00e0 c\u00f3 ban h\u00e0nh m\u1ed9t v\u0103n b\u1ea3n ri\u00eang \u0111\u1ed1i v\u1edbi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh, c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

\"\"<\/p>\n

Vi\u1ec7c ph\u00e1t tri\u1ec3n v\u00e0 m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y s\u1ebd gi\u00fap ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u1eeb c\u00e1c k\u00eanh ch\u00ednh th\u1ee9c, h\u1ea1n ch\u1ebf v\u00e0 kh\u00f4ng ph\u1ea3i ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng t\u1eeb ngu\u1ed3n t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Ch\u00ednh v\u00ec th\u1ebf, NHNN c\u0169ng t\u0103ng c\u01b0\u1eddng m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t \u1edf v\u00f9ng s\u00e2u v\u00f9ng xa, ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh vi m\u00f4 c\u0169ng nh\u01b0 m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi c\u1ee7a ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i. \u0110\u00e2y l\u00e0 k\u00eanh t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00e2n ngh\u00e8o, ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p v\u00e0 \u1edf v\u00f9ng s\u00e2u v\u00f9ng xa.<\/p>\n

Trong \u0111i\u1ec1u h\u00e0nh h\u1eb1ng n\u0103m, NHNN lu\u00f4n c\u00f3 ch\u1ec9 \u0111\u1ea1o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i th\u1ef1c hi\u1ec7n, ch\u1ea5n ch\u1ec9nh c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng. V\u1edbi c\u00e1ch th\u1ee9c, gi\u1ea3i ph\u00e1p nh\u01b0 th\u1ebf n\u00e0y c\u0169ng s\u1ebd g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Trong quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, NHNN th\u1ef1c hi\u1ec7n ch\u1ee9c n\u0103ng qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. C\u00f2n \u0111\u1ed1i v\u1edbi t\u00edn d\u1ee5ng \u0111en kh\u00f4ng thu\u1ed9c tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd c\u1ee7a NHNN m\u00e0 li\u00ean quan \u0111\u1ebfn m\u1ea3ng qu\u1ea3n l\u00fd tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

Do \u0111\u00f3, trong th\u1eddi gian qua, NHNN \u0111\u00e3 ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c b\u1ed9, ng\u00e0nh li\u00ean quan r\u00e0 so\u00e1t, n\u1eafm b\u1eaft t\u00ecnh tr\u1ea1ng c\u1ee7a t\u00edn d\u1ee5ng \u0111en v\u00e0 c\u0169ng \u0111\u00e3 c\u00f3 b\u00e1o c\u00e1o Ch\u00ednh ph\u1ee7, ki\u1ebfn ngh\u1ecb \u0111\u1ec3 Ch\u00ednh ph\u1ee7 ch\u1ec9 \u0111\u1ea1o c\u00e1c b\u1ed9, ban, ng\u00e0nh c\u00f3 gi\u1ea3i ph\u00e1p qu\u1ea3n l\u00fd chung \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng, tr\u00e1nh hi\u1ec7n t\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111en tr\u00e0n lan.<\/p>\n

P2P n\u00ean qu\u1ea3n hay c\u1ea5m?<\/strong><\/h2>\n

P2P l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c cho vay tr\u1ef1c tuy\u1ebfn m\u00e0 ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t v\u1eabn c\u00f3 th\u1ec3 ph\u00ea duy\u1ec7t c\u00e1c kho\u1ea3n vay, ti\u1ec1n chuy\u1ec3n t\u1edbi t\u00e0i kho\u1ea3n. Ng\u01b0\u1eddi vay ti\u1ec1n v\u00e0 ng\u01b0\u1eddi c\u00f3 ti\u1ec1n k\u1ebft n\u1ed1i th\u00f4ng qua \u1ee9ng d\u1ee5ng tr\u1ef1c tuy\u1ebfn tr\u00ean di \u0111\u1ed9ng ho\u1eb7c m\u00e1y t\u00ednh. C\u00e1c c\u00f4ng ty P2P \u0111\u00e3 xu\u1ea5t hi\u1ec7n \u0111\u01b0\u1ee3c 2 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y v\u00e0 c\u00e1c lo\u1ea1i\u00a0g\u00f3i vay<\/strong>\u00a0c\u0169ng kh\u00e1 \u0111a d\u1ea1ng t\u1eeb cho vay t\u00edn ch\u1ea5p, th\u1ebf ch\u1ea5p \u0111\u1ebfn mua tr\u1ea3 g\u00f3p.<\/p>\n

Ch\u1eb3ng h\u1ea1n nh\u01b0 vay t\u00edn ch\u1ea5p theo l\u01b0\u01a1ng; vay tr\u1ea3 g\u00f3p theo ng\u00e0y; vay theo s\u1ed5 h\u1ed9 kh\u1ea9u, h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc, \u0111\u0103ng k\u00fd xe m\u00e1y, \u00f4t\u00f4; vay c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, vay c\u1ea7m c\u1ed1 \u00f4t\u00f4 \u0111ang th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng; vay mua \u00f4t\u00f4, nh\u00e0 tr\u1ea3 g\u00f3p…<\/p>\n

Tuy nhi\u00ean, cho \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i ch\u01b0a c\u00f3 m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd cho h\u00ecnh th\u1ee9c P2P. \u0110a s\u1ed1 c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh t\u1ecf ra lo ng\u1ea1i v\u1ec1 r\u1ee7i ro m\u00e0 h\u00ecnh th\u1ee9c n\u00e0y c\u00f3 th\u1ec3 mang t\u1edbi cho c\u1ea3 ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay khi h\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7.<\/p>\n

\u0110\u1ee9ng tr\u01b0\u1edbc th\u1ef1c t\u1ebf ph\u00e1t tri\u1ec3n n\u1edf r\u1ed9 c\u1ee7a P2P, \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, NHNN v\u1eabn \u0111ang \u201cnghi\u00ean c\u1ee9u\u201d v\u00e0 l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng c\u00e1ch \u1ee9ng x\u1eed v\u1edbi lo\u1ea1i h\u00ecnh kinh doanh m\u1edbi n\u00e0y.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (C\u00f4ng ty Lu\u1eadt ANVI) cho r\u1eb1ng, r\u1ee7i ro l\u1edbn nh\u1ea5t c\u1ee7a m\u00f4 h\u00ecnh P2P l\u00e0 l\u00e3i su\u1ea5t cao v\u00e0 n\u1ebfu kh\u00f4ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n kh\u00e1ch h\u00e0ng s\u1ebd ch\u1ecbu \u201cs\u1ee9c \u00e9p l\u1edbn\u201d khi b\u1ecb \u0111\u00f2i n\u1ee3.<\/em><\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3, \u201cn\u1ebfu c\u00e1c c\u00f4ng ty P2P ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 m\u00f4i gi\u1edbi, k\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay, th\u00ec khi r\u1eafc r\u1ed1i x\u1ea3y ra, tr\u00e1ch nhi\u1ec7m ho\u00e0n to\u00e0n do hai b\u00ean t\u1ef1 gi\u1ea3i quy\u1ebft. Nh\u01b0ng n\u1ebfu c\u00f4ng ty P2P t\u1ed5 ch\u1ee9c huy \u0111\u1ed9ng v\u1ed1n cho vay th\u00ec s\u1ebd vi ph\u1ea1m quy \u0111\u1ecbnh cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c\u00a0t\u00edn d\u1ee5ng\u201d, \u00f4ng \u0110\u1ee9c l\u01b0u \u00fd.<\/em><\/p>\n

Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u1edbi \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng v\u00e0 cho vay v\u1ed1n. V\u00ec v\u1eady, khi tranh ch\u1ea5p x\u1ea3y ra, c\u1ea3 ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay \u0111\u1ec1u kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 b\u1ea3o v\u1ec7 c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Trong th\u1eddi gian g\u1ea7n \u0111\u00e2y, \u1edf Trung Qu\u1ed1c h\u00e0ng lo\u1ea1t c\u00e1c c\u00f4ng ty P2P \u0111\u00e3 ph\u00e1 s\u1ea3n, v\u1ee1 n\u1ee3, \u00f4ng ch\u1ee7 \u00f4m ti\u1ec1n b\u1ecf ch\u1ea1y. C\u00e1c c\u00f4ng ty P2P \u1edf Trung Qu\u1ed1c ho\u1ea1t \u0111\u1ed9ng bi\u1ebfn t\u01b0\u1edbng v\u1edbi h\u00ecnh th\u1ee9c huy \u0111\u1ed9ng v\u1ed1n b\u1ea5t h\u1ee3p ph\u00e1p ho\u1eb7c theo m\u00f4 h\u00ecnh l\u1eeba \u0111\u1ea3o kim t\u1ef1 th\u00e1p, ng\u01b0\u1eddi cho vay v\u00ec ham l\u00e3i su\u1ea5t cao m\u00e0 hi\u1ec7n ti\u1ec1n m\u1ea5t t\u1eadt mang.<\/p>\n

\u0110\u00ecnh V\u0169<\/strong><\/p>\n

————————–<\/p>\n

CafeLand (Ph\u00e2n t\u00edch) 03-10-2018:<\/em><\/strong><\/p>\n

https:\/\/cafeland.vn\/phan-tich\/ngan-hang-nha-nuoc-coi-p2p-la-tin-dung-den-75932.html<\/em><\/a><\/p>\n

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

(CFL) – T\u1ea1i phi\u00ean h\u1ecdp b\u00e1o Ch\u00ednh ph\u1ee7 th\u01b0\u1eddng k\u1ef3 th\u00e1ng 9\/2018, khi \u0111\u01b0\u1ee3c h\u1ecfi v\u1ec1 h\u00ecnh th\u1ee9c cho vay online n\u1edf r\u1ed9, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 gi\u00e1n ti\u1ebfp kh\u1eb3ng \u0111\u1ecbnh, \u0111\u00e2y l\u00e0 h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng \u0111en v\u00e0 kh\u00f4ng n\u1eb1m trong ph\u1ea1m vi qu\u1ea3n l\u00fd c\u1ee7a NHNN. Trong phi\u00ean […]<\/p>\n","protected":false},"author":3,"featured_media":24651,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.005. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc coi P2P l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d? - 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\/vi\/2-005-ngan-hang-nha-nuoc-coi-p2p-la-tin-dung-den\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.005. 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