{"id":24686,"date":"2018-10-10T15:36:09","date_gmt":"2018-10-10T08:36:09","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24686"},"modified":"2022-06-16T13:58:51","modified_gmt":"2022-06-16T06:58:51","slug":"2-010-thoi-cua-cho-vay-p2p","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-010-thoi-cua-cho-vay-p2p\/","title":{"rendered":"2.010. Th\u1eddi c\u1ee7a cho vay P2P?"},"content":{"rendered":"(NC\u0110T) – N\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng (P2P) nh\u1eadn c\u01a1 h\u1ed9i t\u1ec9 \u0111\u00f4 v\u1edbi m\u1ed9t \u0111i\u1ec1u ki\u1ec7n ti\u00ean quy\u1ebft: m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd an to\u00e0n.<\/strong><\/p>\n

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Tima, s\u00e0n k\u1ebft n\u1ed1i t\u00e0i ch\u00ednh v\u00e0 cho vay ngang h\u00e0ng (Peer to Peer – P2P), v\u1eeba nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n \u0111\u1ea7u t\u01b0 3 tri\u1ec7u USD \u1edf v\u00f2ng g\u1ecdi v\u1ed1n th\u1ee9 hai (series B) t\u1eeb Qu\u1ef9 \u0111\u1ea7u t\u01b0 ngo\u1ea1i Belt Road Capital Management (BRCM), v\u1edbi \u0111\u1ecbnh gi\u00e1 g\u1ea7n 500 t\u1ec9 \u0111\u1ed3ng. Tr\u01b0\u1edbc \u0111\u00f3, v\u00e0o n\u0103m 2016, Tima c\u0169ng \u0111\u00e3 huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c v\u1ed1n r\u00f3t t\u1eeb c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0 Dunearn Singapore Fund, G Capital. S\u1eafp t\u1edbi, \u00f4ng Tr\u1ea7n Th\u1ebf V\u0129nh, CEO c\u1ee7a Tima, c\u00f2n ti\u1ebft l\u1ed9: \u201cTima c\u00f3 th\u1ec3 s\u1ebd nh\u1eadn th\u00eam kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u00f2ng th\u1ee9 ba\u201d.<\/p>\n

Tima \u0111\u01b0\u1ee3c ch\u1ecdn<\/strong>
\nTima hi\u1ec7n l\u00e0 c\u00f4ng ty Fintech startup, ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c k\u1ebft n\u1ed1i t\u00e0i ch\u00ednh, cho vay ngang h\u00e0ng P2P l\u1edbn nh\u1ea5t Vi\u1ec7t Nam. \u0110\u00e2y l\u00e0 m\u00f4 h\u00ecnh s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 online \u0111\u1ec3 k\u1ebft n\u1ed1i ng\u01b0\u1eddi vay v\u00e0 cho vay. N\u01a1i \u0111\u00e2y cung c\u1ea5p c\u00e1c g\u00f3i s\u1ea3n ph\u1ea9m vay \u0111a d\u1ea1ng, t\u1eeb vay tr\u1ea3 g\u00f3p, vay t\u00edn ch\u1ea5p theo l\u01b0\u01a1ng \u0111\u1ebfn vay c\u00f3 th\u1ebf ch\u1ea5p (s\u1ed5 h\u1ed9 kh\u1ea9u, c\u1ea7m c\u1ed1 xe \u00f4 t\u00f4, gi\u1ea5y \u0111\u0103ng k\u00fd l\u00e1i xe…). Kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u ch\u1ec9 c\u1ea7n \u0111\u0103ng k\u00fd g\u00f3i vay, t\u00ean, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, \u0111\u1ecba ch\u1ec9 l\u00ean webiste\/app Tima.<\/p>\n

Sau \u0111\u00f3, Tima s\u1ebd k\u1ebft n\u1ed1i ng\u01b0\u1eddi vay v\u1edbi ng\u01b0\u1eddi cho vay v\u00e0 thu m\u1ed9t kho\u1ea3n ph\u00ed t\u1eeb ng\u01b0\u1eddi cho vay. T\u1eeb l\u00fac n\u00e0y, theo t\u00ecm hi\u1ec3u c\u1ee7a NC\u0110T, b\u00ean cho vay s\u1ebd t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m trao \u0111\u1ed5i v\u1edbi b\u00ean vay, t\u1ef1 th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1, t\u1ef1 th\u01b0\u01a1ng l\u01b0\u1ee3ng l\u00e3i su\u1ea5t, t\u1ef1 ch\u1ecdn \u0111\u1ecba \u0111i\u1ec3m k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u00e0 h\u00ecnh th\u1ee9c chuy\u1ec3n ti\u1ec1n cho vay. V\u00ec th\u1ebf, \u1edf kh\u00eda c\u1ea1nh n\u00e0o \u0111\u00f3, n\u1ebfu b\u00ean vay x\u00f9 n\u1ee3, gi\u1ea3 m\u1ea1o, l\u1eeba d\u1ed1i, ng\u01b0\u1eddi cho vay s\u1ebd \u201cl\u00e3nh \u0111\u1ea1n\u201d.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, trong \u0111i\u1ec1u ki\u1ec7n l\u00e3i g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng th\u1ea5p v\u00e0 c\u00e1c th\u1ee7 t\u1ee5c vay v\u1ed1n ng\u00e2n h\u00e0ng kh\u00f3 kh\u0103n, ph\u1ee9c t\u1ea1p, m\u00f4 h\u00ecnh P2P v\u1edbi l\u00e3i cho vay cao h\u01a1n, th\u1ee7 t\u1ee5c nhanh g\u1ecdn, \u0111i\u1ec1u ki\u1ec7n \u0111\u01a1n gi\u1ea3n, linh ho\u1ea1t h\u01a1n v\u1eabn h\u1ea5p d\u1eabn ng\u01b0\u1eddi vay l\u1eabn ng\u01b0\u1eddi cho vay. Ph\u00eda Tima cho bi\u1ebft, ch\u1ec9 sau h\u01a1n 2 n\u0103m ch\u00ednh th\u1ee9c tri\u1ec3n khai d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n, k\u1ebft n\u1ed1i t\u00e0i ch\u00ednh (th\u00e1ng 6.2016), Tima \u0111\u00e3 c\u00f3 h\u01a1n 23.000 \u0111\u01a1n v\u1ecb, c\u00e1 nh\u00e2n tham gia v\u00e0o vi\u1ec7c cho vay v\u00e0 kho\u1ea3ng 2 tri\u1ec7u ng\u01b0\u1eddi \u0111\u0103ng k\u00fd vay. M\u1ed7i ng\u00e0y, Tima hi\u1ec7n x\u1eed l\u00fd kho\u1ea3ng 1.500 \u0111\u01a1n vay\/ngay. Theo website c\u1ee7a Tima, t\u1ed5ng ti\u1ec1n gi\u1ea3i ng\u00e2n \u0111\u00e3 v\u01b0\u1ee3t tr\u00ean 45.000 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

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Tr\u00ean th\u1ef1c t\u1ebf, theo nghi\u00ean c\u1ee9u c\u1ee7a World Bank, \u1edf Vi\u1ec7t Nam c\u00f3 kho\u1ea3ng 79% 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. \u0110\u00e2y ch\u00ednh l\u00e0 m\u1ea3nh \u0111\u1ea5t m\u00e0u m\u1ee1 cho l\u0129nh v\u1ef1c cho vay P2P. C\u00f2n theo s\u1ed1 li\u1ec7u t\u1eeb b\u00e0 D\u01b0\u01a1ng Nguy\u1ec5n, chuy\u00ean gia kinh t\u1ebf khu v\u1ef1c t\u00e0i ch\u00ednh, V\u1ee5 \u0110\u00f4ng Nam \u00c1 c\u1ee7a ADB, \u201cth\u1ecb tr\u01b0\u1eddng cho vay P2P to\u00e0n c\u1ea7u \u01b0\u1edbc t\u00ednh s\u1ebd t\u0103ng tr\u01b0\u1edfng l\u00ean t\u1edbi 53%\/n\u0103m v\u00e0 c\u00f3 th\u1ec3 \u0111\u1ea1t t\u1edbi gi\u00e1 tr\u1ecb 490 t\u1ec9 USD v\u00e0o n\u0103m 2020\u201d.
\nCh\u00ednh v\u00ec th\u1ebf, khi l\u1ea7n \u0111\u1ea7u r\u00f3t v\u1ed1n v\u00e0o Vi\u1ec7t Nam, th\u00f4ng qua kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u00e0o Tima, Belt Road Capital Management \u0111\u00e3 c\u1eed ng\u01b0\u1eddi c\u1ee7a m\u00ecnh tham gia v\u00e0o H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb Tima. \u00d4ng Witt Gatchell, Gi\u00e1m \u0111\u1ed1c \u0110\u1ea7u t\u01b0 c\u1ee7a Belt Road Capital Management, k\u1ef3 v\u1ecdng: \u201cV\u1edbi nh\u1eefng k\u1ebft qu\u1ea3 n\u1ec1n t\u1ea3ng \u0111\u1ea1t \u0111\u01b0\u1ee3c v\u00e0 \u0111\u1ed9i ng\u0169 qu\u1ea3n l\u00fd m\u1ea1nh, Tima s\u1ebd c\u00f3 c\u01a1 h\u1ed9i l\u1edbn trong vi\u1ec7c ph\u00e1t tri\u1ec3n, m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng\u201d.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, \u0111\u1ec3 ng\u01b0\u1eddi cho vay y\u00ean t\u00e2m h\u01a1n, m\u1edbi \u0111\u00e2y Tima c\u0169ng k\u00fd k\u1ebft chi\u1ebfn l\u01b0\u1ee3c v\u1edbi B\u1ea3o hi\u1ec3m VietinBank – VBI. Theo \u0111\u00f3, n\u1ebfu ng\u01b0\u1eddi vay g\u1eb7p ph\u1ea3i nh\u1eefng r\u1ee7i ro kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc, VBI s\u1ebd tr\u1ea3 gi\u00fap h\u1ecd c\u00e1c kho\u1ea3n vay.
\nTr\u00ean th\u1ef1c t\u1ebf, theo nghi\u00ean c\u1ee9u c\u1ee7a World Bank, \u1edf Vi\u1ec7t Nam c\u00f3 kho\u1ea3ng 79% 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. \u0110\u00e2y ch\u00ednh l\u00e0 m\u1ea3nh \u0111\u1ea5t m\u00e0u m\u1ee1 cho l\u0129nh v\u1ef1c cho vay P2P. C\u00f2n theo s\u1ed1 li\u1ec7u t\u1eeb b\u00e0 D\u01b0\u01a1ng Nguy\u1ec5n, chuy\u00ean gia kinh t\u1ebf khu v\u1ef1c t\u00e0i ch\u00ednh, V\u1ee5 \u0110\u00f4ng Nam \u00c1 c\u1ee7a ADB, \u201cth\u1ecb tr\u01b0\u1eddng cho vay P2P to\u00e0n c\u1ea7u \u01b0\u1edbc t\u00ednh s\u1ebd t\u0103ng tr\u01b0\u1edfng l\u00ean t\u1edbi 53%\/n\u0103m v\u00e0 c\u00f3 th\u1ec3 \u0111\u1ea1t t\u1edbi gi\u00e1 tr\u1ecb 490 t\u1ec9 USD v\u00e0o n\u0103m 2020\u201d.
\nCh\u00ednh v\u00ec th\u1ebf, khi l\u1ea7n \u0111\u1ea7u r\u00f3t v\u1ed1n v\u00e0o Vi\u1ec7t Nam, th\u00f4ng qua kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u00e0o Tima, Belt Road Capital Management \u0111\u00e3 c\u1eed ng\u01b0\u1eddi c\u1ee7a m\u00ecnh tham gia v\u00e0o H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb Tima. \u00d4ng Witt Gatchell, Gi\u00e1m \u0111\u1ed1c \u0110\u1ea7u t\u01b0 c\u1ee7a Belt Road Capital Management, k\u1ef3 v\u1ecdng: \u201cV\u1edbi nh\u1eefng k\u1ebft qu\u1ea3 n\u1ec1n t\u1ea3ng \u0111\u1ea1t \u0111\u01b0\u1ee3c v\u00e0 \u0111\u1ed9i ng\u0169 qu\u1ea3n l\u00fd m\u1ea1nh, Tima s\u1ebd c\u00f3 c\u01a1 h\u1ed9i l\u1edbn trong vi\u1ec7c ph\u00e1t tri\u1ec3n, m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng\u201d.<\/p>\n

H\u00e0nh lang ni\u1ec1m tin<\/strong>
\nTima kh\u00f4ng ph\u1ea3i l\u00e0 t\u00ean tu\u1ed5i duy nh\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng P2P \u1edf Vi\u1ec7t Nam. Trong l\u0129nh v\u1ef1c n\u00e0y c\u00f2n c\u00f3 h\u00e0ng ch\u1ee5c doanh nghi\u1ec7p tham gia nh\u01b0 Finsom (huydong.com), SHA, Mobivi, Vay M\u01b0\u1ee3n, Lenbiz… D\u00f9 \u0111\u00e3 thu h\u00fat nhi\u1ec1u \u0111\u01a1n v\u1ecb d\u1ea5n b\u01b0\u1edbc nh\u01b0ng P2P v\u1eabn c\u00f2n ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, C\u00f4ng ty Lu\u1eadt ANVI, cho r\u1eb1ng: \u201cN\u1ebfu c\u00e1c c\u00f4ng ty P2P ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 m\u00f4i gi\u1edbi, k\u1ebft n\u1ed1i th\u00ec khi r\u1eafc r\u1ed1i x\u1ea3y ra, tr\u00e1ch nhi\u1ec7m 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 t\u00edn d\u1ee5ng\u201d. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, gi\u1ea3 s\u1eed c\u00f4ng ty ph\u00e1 s\u1ea3n ho\u1eb7c \u00f4m ti\u1ec1n b\u1ecf tr\u1ed1n, c\u1ea3 ng\u01b0\u1eddi vay l\u1eabn ng\u01b0\u1eddi cho vay \u0111\u1ec1u kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7.<\/em><\/p>\n

Ng\u01b0\u1eddi d\u00e2n Trung Qu\u1ed1c \u0111ang th\u1ea5m th\u00eda \u0111i\u1ec1u n\u00e0y h\u01a1n ai h\u1ebft. Khi PPMiao ph\u00e1 s\u1ea3n, kho\u1ea3ng 4.000 ng\u01b0\u1eddi \u0111\u00e3 m\u1ea5t t\u1ed5ng c\u1ed9ng 117 tri\u1ec7u USD. Th\u1ef1c t\u1ebf, \u1edf nh\u1eefng qu\u1ed1c gia ph\u00e1t tri\u1ec3n nh\u01b0 Anh (v\u1edbi c\u00e1c c\u00f4ng ty Zopa, Funding Circle), M\u1ef9 (Lending Club, Prosper, SoFi, OnDeck, Avant)…, \u0111\u1ec3 th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng P2P l\u1edbn m\u1ea1nh, \u0111\u1ec1u c\u1ea7n m\u1ed9t n\u1ec1n t\u1ea3ng ch\u00ednh s\u00e1ch, h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh minh b\u1ea1ch v\u00e0 \u0111\u1ea7y \u0111\u1ee7.<\/p>\n

\"\"<\/p>\n

V\u1ec1 ch\u00ednh s\u00e1ch, m\u00f4 h\u00ecnh P2P \u0111\u00fang ngh\u0129a l\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u00f3ng vai tr\u00f2 m\u00f4i gi\u1edbi, k\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay, ch\u1ee9 kh\u00f4ng huy \u0111\u1ed9ng v\u1ed1n, tr\u1ea3 l\u00e3i nh\u01b0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u1ede c\u00e1c n\u01b0\u1edbc c\u0169ng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 phong t\u1ecfa ngu\u1ed3n v\u1ed1n ch\u01b0a gi\u1ea3i ng\u00e2n, nh\u1eb1m ng\u0103n ch\u1eb7n vi\u1ec7c c\u00f4ng ty P2P \u00f4m ti\u1ec1n b\u1ecf tr\u1ed1n. M\u1ed9t s\u1ed1 c\u00f4ng ty P2P tr\u00ean th\u1ebf gi\u1edbi (nh\u01b0 Zopa) c\u00f2n th\u00e0nh l\u1eadp qu\u1ef9 d\u1ef1 ph\u00f2ng \u0111\u1ec3 c\u00f3 ngu\u1ed3n ho\u00e0n tr\u1ea3 cho nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1ebfu ph\u00e1t sinh n\u1ee3 x\u1ea5u. Nhi\u1ec1u c\u00f4ng ty c\u0169ng quy \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m cho kho\u1ea3n vay \u0111\u1ec3 ph\u00f2ng ng\u1eeba tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi vay v\u1ee1 n\u1ee3, qua \u0111\u1eddi ho\u1eb7c m\u1ea5t vi\u1ec7c.<\/p>\n

Trong khi \u0111\u00f3, Vi\u1ec7t Nam hi\u1ec7n ch\u01b0a c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd cho P2P. N\u0103m ngo\u00e1i, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 th\u00e0nh l\u1eadp Ban ch\u1ec9 \u0111\u1ea1o l\u0129nh v\u1ef1c Fintech. T\u1ed5 ch\u1ee9c n\u00e0y h\u01b0\u1edbng \u0111\u1ebfn xem x\u00e9t nh\u1eefng gi\u1ea3i ph\u00e1p ho\u00e0n thi\u1ec7n h\u1ec7 sinh th\u00e1i, k\u1ec3 c\u1ea3 ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd, \u0111\u1ec3 t\u1ea1o thu\u1eadn l\u1ee3i cho doanh nghi\u1ec7p Fintech, g\u1ed3m c\u1ea3 doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng cho vay P2P ph\u00e1t tri\u1ec3n.V\u1ec1 ch\u00ednh s\u00e1ch, m\u00f4 h\u00ecnh P2P \u0111\u00fang ngh\u0129a l\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u00f3ng vai tr\u00f2 m\u00f4i gi\u1edbi, k\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay, ch\u1ee9 kh\u00f4ng huy \u0111\u1ed9ng v\u1ed1n, tr\u1ea3 l\u00e3i nh\u01b0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u1ede c\u00e1c n\u01b0\u1edbc c\u0169ng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 phong t\u1ecfa ngu\u1ed3n v\u1ed1n ch\u01b0a gi\u1ea3i ng\u00e2n, nh\u1eb1m ng\u0103n ch\u1eb7n vi\u1ec7c c\u00f4ng ty P2P \u00f4m ti\u1ec1n b\u1ecf tr\u1ed1n. M\u1ed9t s\u1ed1 c\u00f4ng ty P2P tr\u00ean th\u1ebf gi\u1edbi (nh\u01b0 Zopa) c\u00f2n th\u00e0nh l\u1eadp qu\u1ef9 d\u1ef1 ph\u00f2ng \u0111\u1ec3 c\u00f3 ngu\u1ed3n ho\u00e0n tr\u1ea3 cho nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1ebfu ph\u00e1t sinh n\u1ee3 x\u1ea5u. Nhi\u1ec1u c\u00f4ng ty c\u0169ng quy \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m cho kho\u1ea3n vay \u0111\u1ec3 ph\u00f2ng ng\u1eeba tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi vay v\u1ee1 n\u1ee3, qua \u0111\u1eddi ho\u1eb7c m\u1ea5t vi\u1ec7c.<\/p>\n

Nh\u01b0ng nh\u01b0 \u0111\u1ec1 c\u1eadp, n\u00fat th\u1eaft quan tr\u1ecdng v\u1eabn l\u00e0 Vi\u1ec7t Nam thi\u1ebfu c\u00e1c c\u01a1 s\u1edf \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh uy t\u00edn v\u00e0 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. M\u1ed9t th\u1ebb \u0111i\u1ec3m t\u00edn d\u1ee5ng s\u1ebd gi\u00fap m\u00f4 h\u00ecnh P2P \u1edf Vi\u1ec7t Nam tri\u1ec3n khai d\u1ec5 d\u00e0ng h\u01a1n, ho\u1ea1t \u0111\u1ed9ng \u0111\u00fang ngh\u0129a, gi\u1ea3m r\u1ee7i ro, b\u1edbt b\u00e1t nh\u00e1o, t\u0103ng ni\u1ec1m tin v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho \u0111\u00f4i b\u00ean.<\/p>\n

Vi\u1ebft Nguy\u00ean<\/strong><\/p>\n

——————————<\/p>\n

Nh\u1ecbp c\u1ea7u \u0111\u1ea7u t\u01b0 (Th\u01b0\u01a1ng tr\u01b0\u1eddng) 10-10-2018:<\/em><\/strong><\/p>\n

https:\/\/nhipcaudautu.vn\/thuong-truong\/thoi-cua-cho-vay-p2p-3326271\/<\/em><\/a><\/p>\n

(93\/1.151)<\/em>","protected":false},"excerpt":{"rendered":"

(NC\u0110T) – N\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng (P2P) nh\u1eadn c\u01a1 h\u1ed9i t\u1ec9 \u0111\u00f4 v\u1edbi m\u1ed9t \u0111i\u1ec1u ki\u1ec7n ti\u00ean quy\u1ebft: m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd an to\u00e0n. Tima, s\u00e0n k\u1ebft n\u1ed1i t\u00e0i ch\u00ednh v\u00e0 cho vay ngang h\u00e0ng (Peer to Peer – P2P), v\u1eeba nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n \u0111\u1ea7u t\u01b0 3 tri\u1ec7u USD \u1edf v\u00f2ng g\u1ecdi […]<\/p>\n","protected":false},"author":3,"featured_media":24687,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.010. 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