{"id":24714,"date":"2018-10-15T16:16:13","date_gmt":"2018-10-15T09:16:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24714"},"modified":"2022-06-16T14:10:29","modified_gmt":"2022-06-16T07:10:29","slug":"2-015-dich-vu-vay-truc-tuyen-no-ro-can-khung-phap-ly-de-tranh-tin-dung-den-tra-hinh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-015-dich-vu-vay-truc-tuyen-no-ro-can-khung-phap-ly-de-tranh-tin-dung-den-tra-hinh\/","title":{"rendered":"2.015. D\u1ecbch v\u1ee5 vay tr\u1ef1c tuy\u1ebfn n\u1edf r\u1ed9, c\u1ea7n khung ph\u00e1p l\u00fd \u0111\u1ec3 tr\u00e1nh t\u00edn d\u1ee5ng \u0111en tr\u00e1 h\u00ecnh"},"content":{"rendered":"(PTVN) – S\u1ef1 ra \u0111\u1eddi c\u1ee7a c\u00e1c trang web cho vay ti\u1ec1n nhanh v\u1edbi nh\u1eefng l\u1eddi qu\u1ea3ng c\u00e1o h\u1ea5p d\u1eabn \u0111ang thu h\u00fat s\u1ef1 ch\u00fa \u00fd c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi do th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n v\u00e0 hai b\u00ean t\u1ef1 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t. M\u00f4 h\u00ecnh vay tr\u1ef1c tuy\u1ebfn c\u00f2n kh\u00e1 m\u1edbi t\u1ea1i th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t v\u00e0 c\u1ea7n s\u1edbm c\u00f3 khung ph\u00e1p l\u00fd \u0111\u1ec3 m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh n\u00e0y \u0111i \u0111\u00fang h\u01b0\u1edbng, tr\u00e1nh vi\u1ec7c t\u00edn d\u1ee5ng \u0111en tr\u00e1 h\u00ecnh.<\/strong><\/p>\n

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B\u00f9ng n\u1ed5 m\u00f4 h<\/strong>\u00ecnh cho vay tr\u1ef1c tuy\u1ebfn\u00a0<\/strong><\/p>\n

3,14 tri\u1ec7u \u0111\u01a1n xin vay tr\u00ean h\u1ec7 th\u1ed1ng, t\u1ed5ng s\u1ed1 ti\u1ec1n gi\u1ea3i ng\u00e2n h\u01a1n 43.400 t\u1ef7 \u0111\u1ed3ng l\u00e0 nh\u1eefng con s\u1ed1 xu\u1ea5t hi\u1ec7n tr\u00ean website c\u1ee7a Tima ng\u00e0y 20\/9. \u0110\u01a1n v\u1ecb n\u00e0y, c\u00f9ng v\u1edbi m\u1ed9t s\u1ed1 c\u00e1i t\u00ean kh\u00e1c nh\u01b0 Vaymuon.vn, Mofin hay Lenbiz l\u00e0 nh\u1eefng n\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng (P2P) \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

5 n\u0103m g\u1ea7n \u0111\u00e2y v\u1edbi s\u1ef1 b\u00f9ng n\u1ed5 c\u1ee7a c\u00e1c Fintech, c\u1ee7a t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, c\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 v\u1eady r\u1ea5t c\u0169ng n\u1edf r\u1ed9.<\/p>\n

Cho vay ngang h\u00e0ng tr\u1ef1c tuy\u1ebfn\u00a0(P2P: Peer-to-Peer Lending) l\u00e0 h\u00ecnh th\u1ee9c c\u00e1c doanh nghi\u1ec7p, t\u1ed5 ch\u1ee9c thu h\u00fat ti\u1ec1n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0, sau \u0111\u00f3 k\u1ebft n\u1ed1i cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf, c\u00e1 nh\u00e2n kh\u00e1c vay, v\u1edbi cam k\u1ebft l\u1ee3i nhu\u1eadn cao qua trang web ho\u1eb7c n\u1ec1n t\u1ea3ng \u1ee9ng d\u1ee5ng. T\u1ee9c l\u00e0, qua n\u1ec1n t\u1ea3ng n\u00e0y, ng\u01b0\u1eddi c\u00f3 ti\u1ec1n v\u00e0 c\u1ea7n ti\u1ec1n s\u1ebd t\u00ecm \u0111\u1ebfn nhau v\u00e0 giao d\u1ecbch m\u00e0 kh\u00f4ng qua ng\u00e2n h\u00e0ng.<\/p>\n

C\u00e1c c\u00f4ng ty, website \u0111\u1ec1u t\u00ednh to\u00e1n c\u00f4ng khai m\u1ee9c l\u00e3i su\u1ea5t cho vay online cao g\u1ea5p nhi\u1ec1u l\u1ea7n cho ph\u00e9p. (\u1ea2nh ch\u1ee5p m\u00e0n h\u00ecnh)<\/p>\n

\u0110i\u1ec3m t\u00edch c\u1ef1c \u0111\u1ea7u ti\u00ean c\u1ee7a m\u00f4 h\u00ecnh P2P l\u00e0 m\u1edf ra c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn v\u1ed1n cho nhi\u1ec1u kh\u00e1ch h\u00e0ng, \u0111\u1eb7c bi\u1ec7t nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng \u0111\u1ee7 ti\u00eau chu\u1ea9n vay v\u1ed1n ng\u00e2n h\u00e0ng. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 vay nhanh t\u1eeb 1 \u0111\u1ebfn 30 tri\u1ec7u \u0111\u1ed3ng, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, ch\u1ec9 c\u1ea7n \u0111i\u1ec1n v\u00e0o m\u1ed9t m\u1eabu \u0111\u01a1n xin vay tr\u1ef1c tuy\u1ebfn c\u00f3 s\u1eb5n, ch\u1ee5p \u1ea3nh m\u1ed9t s\u1ed1 gi\u1ea5y t\u1edd li\u00ean quan, ch\u1edd x\u00e1c nh\u1eadn v\u00e0 kho\u1ea3n vay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t ch\u1ec9 sau 15-30 ph\u00fat. V\u1edbi \u01b0u \u0111i\u1ec3m kh\u00f4ng c\u1ea7n ch\u1ee9ng minh t\u00e0i ch\u00ednh, th\u1eddi gian gi\u1ea3i ng\u00e2n nhanh, s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u1ebfn v\u1edbi c\u00e1c m\u00f4 h\u00ecnh P2P n\u00e0y ng\u00e0y c\u00e0ng nhi\u1ec1u.<\/p>\n

Ngo\u00e0i c\u00e1 nh\u00e2n, m\u1ed9t s\u1ed1 c\u00f4ng ty P2P c\u0169ng nh\u1eafm \u0111\u1ebfn cho vay doanh nghi\u1ec7p, nh\u01b0 Lendbiz.N\u1ec1n t\u1ea3ng P2P n\u00e0y k\u1ebft n\u1ed1i c\u00e1c doanh nghi\u1ec7p v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0.Th\u00f4ng qua Lendbiz, doanh nghi\u1ec7p c\u00f3 th\u1ec3 huy \u0111\u1ed9ng v\u1ed1n t\u1eeb 100 tri\u1ec7u \u0111\u1ebfn 1 t\u1ef7 \u0111\u1ed3ng, k\u1ef3 h\u1ea1n tr\u1ea3 t\u1eeb 3 \u0111\u1ebfn 12 th\u00e1ng.C\u00e1c \u0111\u01a1n xin vay \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t nhanh trong v\u00f2ng 48 gi\u1edd, \u0111\u01b0\u1ee3c tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n n\u1ebfu \u0111\u00e3 s\u1eed d\u1ee5ng v\u1ed1n tr\u00ean 2\/3 th\u1eddi gian.<\/p>\n

C\u0169ng nh\u01b0 c\u00e1c n\u1ec1n t\u1ea3ng P2P h\u01b0\u1edbng t\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, c\u00e1c doanh nghi\u1ec7p c\u0169ng ch\u1ec9 c\u1ea7n \u0111\u0103ng k\u00fd online, Lendbiz s\u1ebd c\u1eed c\u00e1n b\u1ed9 li\u00ean l\u1ea1c, ti\u1ebfp x\u00fac v\u00e0 h\u01b0\u1edbng d\u1eabn th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd nh\u1eadn v\u1ed1n \u0111\u1ea7u t\u01b0. Trong 48 gi\u1edd sau khi \u0111\u00e1nh gi\u00e1, n\u1ec1n t\u1ea3ng n\u00e0y s\u1ebd th\u00f4ng b\u00e1o ch\u1ea5p thu\u1eadn hay kh\u00f4ng v\u1edbi nhu c\u1ea7u huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

Ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro<\/strong><\/p>\n

Xu\u1ea5t hi\u1ec7n l\u1ea7n \u0111\u1ea7u \u1edf Anh, P2P l\u00e0 h\u1ec7 th\u1ed1ng k\u1ebft n\u1ed1i \u0111\u1ea7u t\u01b0 ngang h\u00e0ng tr\u1ef1c tuy\u1ebfn, \u0111\u00f3ng vai tr\u00f2 c\u1ea7u n\u1ed1i gi\u1eefa nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 v\u1ed1n v\u1edbi c\u00e1c c\u00e1 nh\u00e2n c\u1ea7n v\u1ed1n nh\u01b0ng kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

Trong 10 n\u0103m qua, m\u00f4 h\u00ecnh P2P \u0111\u00e3 nhanh ch\u00f3ng lan ra to\u00e0n th\u1ebf gi\u1edbi v\u1edbi g\u1ea7n 4.000 doanh nghi\u1ec7p. Theo th\u1ed1ng k\u00ea, n\u0103m 2012, t\u1ed5ng d\u01b0 n\u1ee3 cho vay qua k\u00eanh P2P tr\u00ean to\u00e0n c\u1ea7u \u0111\u1ea1t kho\u1ea3ng 1,2 t\u1ef7 USD, n\u0103m 2015 con s\u1ed1 n\u00e0y l\u00ean t\u1edbi 64 t\u1ef7 USD. V\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng nh\u01b0 th\u1eddi gian qua, d\u1ef1 \u0111o\u00e1n \u0111\u1ebfn n\u0103m 2025, t\u1ed5ng d\u01b0 n\u1ee3 cho vay qua k\u00eanh P2P to\u00e0n th\u1ebf gi\u1edbi s\u1ebd \u0111\u1ea1t h\u01a1n 1.000 t\u1ef7 USD. Tuy nhi\u00ean, m\u00f4 h\u00ecnh n\u00e0y tuy \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n, nh\u01b0ng nhi\u1ec1u \u00fd ki\u1ebfn e ng\u1ea1i r\u1eb1ng khi v\u00e0o \u0111\u1ebfn Vi\u1ec7t Nam, cho vay P2P s\u1ebd c\u00f3 nhi\u1ec1u bi\u1ebfn t\u01b0\u1edbng g\u00e2y thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi tham gia.<\/p>\n

M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng 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 g\u1ea7n ch\u1ee5c doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng cho vay theo m\u00f4 h\u00ecnh n\u00e0y v\u00e0 m\u1ed9t s\u1ed1 c\u00f4ng ty P2P \u1edf Vi\u1ec7t Nam \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ed1i t\u00e1c ngo\u1ea1i r\u00f3t v\u1ed1n \u0111\u1ea7u t\u01b0.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty lu\u1eadt ANVI, hi\u1ec7n nay ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng nh\u01b0 tr\u00ean. \u00d4ng 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 \u0111\u1ec3 ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), nh\u01b0ng b\u1ea3n ch\u1ea5t h\u00ecnh th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y c\u00f3 n\u01a1i l\u00e0 huy \u0111\u1ed9ng v\u00e0 cho vay, c\u00f3 n\u01a1i l\u00e0 m\u00f4i gi\u1edbi v\u1ec1 ti\u1ec1n t\u1ec7 th\u00ec l\u1ea1i ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a NHNN. \u1ede m\u1ed9t s\u1ed1 n\u01b0\u1edbc, h\u00ecnh th\u1ee9c n\u00e0y kh\u00f4ng c\u1ea5m n\u00ean nhi\u1ec1u c\u00f4ng ty n\u1edf r\u1ed9 l\u00e0m. V\u1edbi t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n v\u1ec1 c\u00f4ng ngh\u1ec7 hi\u1ec7n nay kh\u00e1 nhanh, nh\u1eefng m\u00f4 h\u00ecnh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 ki\u1ec3u Uber, Grab\u2026 s\u1ebd ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n.<\/em><\/p>\n

Tuy nhi\u00ean, \u00f4ng \u0110\u1ee9c c\u0169ng 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. \u0110\u1eb7c bi\u1ec7t, c\u1ea7n c\u1ea3nh b\u00e1o \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi cho vay tham gia h\u00ecnh th\u1ee9c n\u00e0y s\u1ebd g\u1eb7p ph\u1ea3i nhi\u1ec1u r\u1ee7i ro\u201d.<\/em><\/p>\n

Theo chuy\u00ean gia t\u00e0i ch\u00ednh Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, c\u00e1c doanh nghi\u1ec7p l\u00e0m trung gian k\u1ebft n\u1ed1i ch\u1ec9 c\u1ea7n \u0111\u0103ng k\u00fd kinh doanh theo lu\u1eadt Doanh nghi\u1ec7p, kh\u00f4ng gi\u1eef ti\u1ec1n, kh\u00f4ng tham gia qu\u00e1 tr\u00ecnh gi\u1ea3i ng\u00e2n th\u00ec kh\u00f4ng vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 l\u0129nh v\u1ef1c cho vay t\u00e0i ch\u00ednh. Ho\u1ea1t \u0111\u1ed9ng n\u00e0y mang l\u1ea1i l\u1ee3i \u00edch khi t\u1ea1o k\u1ebft n\u1ed1i cho hai b\u00ean c\u00f3 nhu c\u1ea7u g\u1eb7p nhau. Tuy nhi\u00ean, tr\u00e1ch nhi\u1ec7m v\u00e0 r\u1ee7i ro c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 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\u2026\u201d.<\/p>\n

C\u00e1c n\u01b0\u1edbc qu\u1ea3n l\u00fd\u00a0m\u00f4 h\u00ecnh vay tr\u1ef1c tuy\u1ebfn ra sao?<\/strong><\/p>\n

V\u1edbi t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch \u0111\u1ea1t h\u01a1n\u00a0190 t\u1ef7 USD, Trung Qu\u1ed1c hi\u1ec7n l\u00e0 qu\u1ed1c gia c\u00f3 quy m\u00f4 ph\u00e1t tri\u1ec3n nhanh nh\u1ea5t trong l\u0129nh v\u1ef1c cho vay ngang h\u00e0ng P2P tr\u00ean th\u1ebf gi\u1edbi. T\u1eeb th\u1eddi \u0111i\u1ec3m m\u00f4 h\u00ecnh cho vay m\u1edbi n\u00e0y manh nha t\u1ea1i th\u1ecb tr\u01b0\u1eddng Trung Qu\u1ed1c v\u00e0o n\u0103m 2007, \u0111\u00e3 c\u00f3 h\u01a1n 6000 n\u1ec1n t\u1ea3ng cho vay tr\u1ef1c tuy\u1ebfn \u0111\u01b0\u1ee3c m\u1edf ra theo s\u1ed1 li\u1ec7u c\u1ee7a Online Lending House.<\/p>\n

Tuy nhi\u00ean, s\u1ef1 thi\u1ebfu ki\u1ec3m so\u00e1t c\u1ee7a ch\u00ednh ph\u1ee7 Trung Qu\u1ed1c v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay tr\u1ef1c tuy\u1ebfn \u0111\u00e3 d\u1eabn \u0111\u1ebfn vi\u1ec7c h\u00e0ng lo\u1ea1t s\u00e0n giao d\u1ecbch cho vay P2P s\u1ee5p \u0111\u1ed5 ho\u1eb7c bi\u1ebfn m\u1ea5t v\u00e0 t\u00ednh \u0111\u1ebfn th\u00e1ng 2\/2018, ch\u1ec9 c\u00f2n ch\u01b0a \u0111\u1ebfn 2.000 c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

Tr\u01b0\u1edbc l\u00e0n s\u00f3ng gi\u1eadn d\u1eef c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 khi kh\u00f4ng th\u1ec3 \u0111\u00f2i l\u1ea1i \u0111\u01b0\u1ee3c nh\u1eefng kho\u1ea3n ti\u1ec1n \u0111\u00e3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c n\u1ec1n t\u1ea3ng cho vay P2P, ch\u00ednh ph\u1ee7 Trung Qu\u1ed1c bu\u1ed9c ph\u1ea3i \u0111\u01b0a ra nhi\u1ec1u bi\u1ec7n ph\u00e1p si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c s\u00e0n giao d\u1ecbch cho vay P2P.<\/p>\n

Theo quy \u0111\u1ecbnh m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb th\u00e1ng 6\/2018, c\u00e1c c\u00f4ng ty cho vay P2P b\u1ecb nghi\u00eam c\u1ea5m khi t\u1ef1 \u0111\u1ee9ng ra \u0111\u1ea3m b\u1ea3o v\u1ec1 c\u00e1c kho\u1ea3n vay c\u0169ng nh\u01b0 l\u00e3i su\u1ea5t; c\u00e1c c\u00f4ng ty n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn nh\u1eefng giao d\u1ecbch tr\u1ecb gi\u00e1 kh\u00f4ng qu\u00e1 1 tri\u1ec7u Nh\u00e2n d\u00e2n t\u1ec7 (kho\u1ea3ng\u00a0146000 USD) cho c\u00e1 nh\u00e2n v\u00e0 5 tri\u1ec7u Nh\u00e2n d\u00e2n t\u1ec7 cho doanh nghi\u1ec7p v\u00e0 \u0111\u1eb7c bi\u1ec7t ph\u1ea3i \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

Nhi\u1ec1u s\u00e0n cho vay tr\u1ef1c tuy\u1ebfn \u0111\u00e3 ph\u1ea3i \u0111\u00f3ng c\u1eeda khi\u1ebfn h\u00e0ng tri\u1ec7u nh\u00e0 \u0111\u1ea7u t\u01b0 Trung Qu\u1ed1c m\u1ea5t tr\u1eafng. (\u1ea2nh: Reuters)<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, ch\u00ednh ph\u1ee7 Trung Qu\u1ed1c c\u0169ng \u0111\u01b0a ra 10 bi\u1ec7n ph\u00e1p \u0111\u1ec3 gi\u1ea3m thi\u1ec3u c\u00e1c r\u1ee7i ro \u0111\u1ebfn t\u1eeb ho\u1ea1t \u0111\u1ed9ng vay tr\u1ef1c tuy\u1ebfn P2P bao g\u1ed3m vi\u1ec7c c\u00e1c ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng ph\u1ea3i thi\u1ebft l\u1eadp k\u00eanh \u0111\u1ed1i tho\u1ea1i \u0111\u1ec3 ph\u1ea3n h\u1ed3i nh\u1eefng y\u00eau c\u1ea7u c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e3 b\u1ecf ti\u1ec1n v\u00e0o c\u00e1c s\u00e0n giao d\u1ecbch cho vay P2P c\u0169ng nh\u01b0 ti\u1ebfn h\u00e0nh ki\u1ec3m tra ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p n\u00e0y.<\/p>\n

Ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p cho b\u1ea5t k\u00ec c\u00f4ng ty m\u1edbi n\u00e0o ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c vay P2P ho\u1eb7c th\u00e0nh l\u1eadp c\u00e1c n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh online. Nh\u1eefng ng\u01b0\u1eddi vay ti\u1ec1n qua c\u00e1c s\u00e0n cho vay P2P nh\u01b0ng ch\u00e2y \u00ec tr\u1ea3 n\u1ee3 s\u1ebd b\u1ecb \u0111\u01b0a v\u00e0o danh s\u00e1ch \u0111en trong h\u1ec7 th\u1ed1ng x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng Trung Qu\u1ed1c.<\/p>\n

Nhi\u1ec1u qu\u1ed1c gia trong khu v\u1ef1c \u0110\u00f4ng Nam \u00c1 c\u0169ng \u0111\u00e3 v\u00e0 \u0111ang n\u1ed7 l\u1ef1c ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi m\u00f4 h\u00ecnh cho vay P2P nh\u1eb1m \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u1ea3 hai m\u1ee5c ti\u00eau: \u0111\u01b0a ng\u00e0nh kinh doanh n\u00e0y ph\u00e1t tri\u1ec3n nh\u01b0ng v\u1eabn ph\u1ea3i \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch c\u1ee7a nh\u1eefng ng\u01b0\u1eddi tham gia.<\/p>\n

T\u1ea1i Malaysia, \u1ee6y ban ch\u1ee9ng kho\u00e1n qu\u1ed1c gia (SC) gi\u1eef vai tr\u00f2 ch\u00ednh trong vi\u1ec7c qu\u1ea3n l\u00fd m\u00f4 h\u00ecnh cho vay P2P. T\u1eeb n\u0103m 2016, SC \u0111\u00e3 ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh nghi\u00eam ng\u1eb7t trong vi\u1ec7c qu\u1ea3n l\u00fd c\u00e1c n\u1ec1n t\u1ea3ng cho vay P2P t\u1ea1i Malaysia.<\/p>\n

C\u00f2n \u1edf Indonesia \u2013\u00a0 n\u1ec1n kinh t\u1ebf l\u1edbn nh\u1ea5t c\u1ee7a ASEAN, vi\u1ec7c qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty cho vay P2P n\u00f3i ri\u00eang v\u00e0 c\u00e1c doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7 \u2013 t\u00e0i ch\u00ednh (fintech) n\u00f3i chung thu\u1ed9c v\u1ec1 C\u01a1 quan Qu\u1ea3n l\u00fd D\u1ecbch v\u1ee5 T\u00e0i ch\u00ednh (OJK).<\/p>\n

Nh\u1eefng c\u00f4ng ty fintech mu\u1ed1n v\u1eadn h\u00e0nh n\u1ec1n t\u1ea3ng cho vay P2P ph\u1ea3i \u0111\u0103ng k\u00ed v\u00e0 ch\u1edd \u0111\u1ee3i s\u1ef1 ch\u1ea5p thu\u1eadn c\u1ee7a OJK. \u0110\u01b0\u1ee3c th\u00f4ng qua v\u00e0o cu\u1ed1i th\u00e1ng 12\/2016, quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c c\u00e1c c\u00f4ng ty fintech t\u1ea1i Indonesia ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c cho vay P2P ph\u1ea3i c\u00f3 s\u1ed1 v\u1ed1n t\u1ed1i thi\u1ec3u 1 tri\u1ec7u rupiahs (kho\u1ea3ng\u00a067.000 USD) khi \u0111\u0103ng k\u00ed v\u1edbi OJK v\u00e0 2,5 tri\u1ec7u rupiahs \u0111\u1ec3 \u0111\u01b0\u1ee3c ch\u00ednh th\u1ee9c c\u1ea5p gi\u1ea5y ph\u00e9p kinh doanh. V\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t, OJK kh\u00f4ng \u0111\u01b0a ra m\u1ed9t con s\u1ed1 c\u1ee5 th\u1ec3. C\u0169ng theo quy \u0111\u1ecbnh n\u00e0y, c\u00e1c c\u00f4ng ty cho vay P2P ph\u1ea3i k\u00ed qu\u1ef9 v\u00e0 c\u00f3 t\u00e0i kho\u1ea3n \u0111\u1ecbnh danh t\u1ea1i ng\u00e2n h\u00e0ng trong th\u1eddi gian ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

T\u00ednh t\u1edbi th\u00e1ng 6\/2018, \u0111\u00e3 c\u00f3 64 c\u00f4ng ty cho vay P2P \u0111\u0103ng k\u00ed ho\u1ea1t \u0111\u1ed9ng v\u1edbi OJK. Tuy nhi\u00ean, c\u00f9ng l\u00fac \u0111\u00f3, c\u00f3 t\u1edbi 227 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay P2P t\u1ea1i Indonesia ch\u01b0a c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh v\u00e0 \u00edt nh\u1ea5t m\u1ed9t n\u1eeda trong s\u1ed1 \u0111\u00f3 c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb Trung Qu\u1ed1c, theo s\u1ed1 li\u1ec7u c\u1ee7a ch\u00ednh c\u01a1 quan n\u00e0y. V\u00e0 s\u1ed1 l\u01b0\u1ee3ng c\u00e1c n\u1ec1n t\u1ea3ng cho vay P2P ho\u1ea1t \u0111\u1ed9ng tr\u00e1i ph\u00e9p \u0111\u01b0\u1ee3c OJK c\u1eadp nh\u1eadt t\u1edbi \u0111\u1ea7u th\u00e1ng 9 \u0111\u00e3 l\u00ean t\u1edbi 407.<\/p>\n

V\u00e0o gi\u1eefa th\u00e1ng 7 n\u0103m nay, OJK tuy\u00ean b\u1ed1 s\u1ebd s\u1edbm ban h\u00e0nh th\u00eam c\u00e1c quy \u0111\u1ecbnh m\u1edbi v\u1ec1 qu\u1ea3n l\u00fd th\u1ecb tr\u01b0\u1eddng cho vay P2P sau khi \u0111\u01b0\u1ee3c B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 Quy\u1ec1n Con ng\u01b0\u1eddi Indonesia th\u00f4ng qua.<\/p>\n

M\u1ed9t s\u1ed1 qu\u1ed1c gia kh\u00e1c c\u0169ng \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc \u0111i \u0111\u1ec3 \u0111\u01b0a ho\u1ea1t \u0111\u1ed9ng cho vay P2P v\u00e0o khu\u00f4n kh\u1ed5 nh\u01b0 C\u01a1 quan qu\u1ea3n l\u00fd ti\u1ec1n t\u1ec7 Singapore \u0111\u00e3 b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh qu\u1ea3n l\u00fd cho vay P2P v\u00e0o trong Lu\u1eadt Ch\u1ee9ng kho\u00e1n v\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u00e1i sinh v\u00e0 Lu\u1eadt t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh; Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Th\u00e1i Lan \u0111\u00e3 ban h\u00e0nh C\u1ea9m nang tri\u1ec3n khai Khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd th\u1eed nghi\u1ec7m cho vay P2P v\u00e0o n\u0103m 2016.<\/p>\n

\u201cM\u1eb7c d\u00f9 ch\u00fang ta c\u00f3 th\u1ec3 n\u00f3i r\u1eb1ng s\u1ef1 th\u00edch \u1ee9ng c\u1ee7a c\u00e1c n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1 \u0111\u1ec3 qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay P2P v\u1eabn c\u00f2n kh\u00e1 ch\u1eadm, nh\u01b0ng n\u1ebfu nh\u00ecn xuy\u00ean su\u1ed1t l\u1ecbch s\u1eed, \u0111\u00e2y r\u00f5 r\u00e0ng l\u00e0 m\u1ed9t trong nh\u1eefng ti\u1ebfn tr\u00ecnh thay \u0111\u1ed5i ph\u00e1p l\u00fd nhanh nh\u1ea5t trong ng\u00e0nh t\u00e0i ch\u00ednh\u201d, Gi\u00e1m \u0111\u1ed1c Kinh doanh khu v\u1ef1c ch\u00e2u \u00c1 c\u1ee7a t\u1eadp \u0111o\u00e0n Beehive nh\u1eadn x\u00e9t.<\/p>\n

D\u01b0\u01a1ng Ho\u00e0<\/strong><\/p>\n

————————–<\/p>\n

Ph\u00e1t tri\u1ec1n Vi\u1ec7t Nam 15-10-2018:<\/em><\/strong><\/p>\n

http:\/\/phattrien.vn\/dich-vu-vay-truc-tuyen-no-ro-can-khung-phap-ly-de-tranh-tin-dung-den-tra-hinh<\/a><\/em><\/p>\n

(195\/2.058)<\/em>","protected":false},"excerpt":{"rendered":"

(PTVN) – S\u1ef1 ra \u0111\u1eddi c\u1ee7a c\u00e1c trang web cho vay ti\u1ec1n nhanh v\u1edbi nh\u1eefng l\u1eddi qu\u1ea3ng c\u00e1o h\u1ea5p d\u1eabn \u0111ang thu h\u00fat s\u1ef1 ch\u00fa \u00fd c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi do th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n v\u00e0 hai b\u00ean t\u1ef1 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t. M\u00f4 h\u00ecnh vay tr\u1ef1c tuy\u1ebfn c\u00f2n kh\u00e1 m\u1edbi t\u1ea1i th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t […]<\/p>\n","protected":false},"author":3,"featured_media":24715,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24714","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.015. D\u1ecbch v\u1ee5 vay tr\u1ef1c tuy\u1ebfn n\u1edf r\u1ed9, c\u1ea7n khung ph\u00e1p l\u00fd \u0111\u1ec3 tr\u00e1nh t\u00edn d\u1ee5ng \u0111en tr\u00e1 h\u00ecnh - 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\/2-015-dich-vu-vay-truc-tuyen-no-ro-can-khung-phap-ly-de-tranh-tin-dung-den-tra-hinh\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.015. 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