{"id":25197,"date":"2018-08-06T14:07:35","date_gmt":"2018-08-06T07:07:35","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25197"},"modified":"2022-06-07T14:10:02","modified_gmt":"2022-06-07T07:10:02","slug":"1-929-can-trong-voi-cho-vay-ngang-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-929-can-trong-voi-cho-vay-ngang-hang\/","title":{"rendered":"1.929. C\u1ea9n tr\u1ecdng v\u1edbi cho vay ngang h\u00e0ng"},"content":{"rendered":"(TBNH) – Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c 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 s\u1ebd ch\u1ecbu \u201cs\u1ee9c \u00e9p l\u1edbn\u201d khi b\u1ecb \u0111\u00f2i n\u1ee3.<\/strong><\/p>\n

Cho vay ngang h\u00e0ng (P2P lending) 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. T\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 xu\u1ea5t hi\u1ec7n m\u1ed9t s\u1ed1 c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng theo m\u00f4 h\u00ecnh n\u00e0y, song do thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd n\u00ean ho\u1ea1t \u0111\u1ed9ng c\u1ee7a nh\u1eefng c\u00f4ng ty n\u00e0y c\u0169ng g\u00e2y ra nh\u1eefng lo ng\u1ea1i nh\u1ea5t \u0111\u1ecbnh cho c\u00e1c b\u00ean tham gia. M\u1edbi \u0111\u00e2y, nhi\u1ec1u c\u1ea3nh b\u00e1o \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi h\u00ecnh th\u1ee9c n\u00e0y khi x\u1ea3y ra hi\u1ec7n t\u01b0\u1ee3ng h\u00e0ng ng\u00e0n ng\u01b0\u1eddi \u1ed3 \u1ea1t r\u00fat ti\u1ec1n t\u1eeb c\u00e1c trang cho vay ngang h\u00e0ng \u1edf Trung Qu\u1ed1c – ng\u00e0nh c\u00f4ng nghi\u1ec7p P2P l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
C\u1ea7n x\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Trao \u0111\u1ed5i v\u1edbi m\u1ed9t chuy\u00ean gia t\u00e0i ch\u00ednh, \u00f4ng n\u00e0y cho r\u1eb1ng cho vay ngang h\u00e0ng l\u00e0 xu h\u01b0\u1edbng to\u00e0n c\u1ea7u v\u00e0 h\u00ecnh th\u1ee9c n\u00e0y c\u00f3 nhi\u1ec1u \u0111i\u1ec3m thu\u1eadn l\u1ee3i cho n\u1ec1n kinh t\u1ebf. Cho vay ngang h\u00e0ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin, nh\u1eefng DN ho\u1ea1t \u0111\u1ed9ng theo lo\u1ea1i h\u00ecnh n\u00e0y s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 Big Data \u0111\u1ec3 thu th\u1eadp t\u1ea5t c\u1ea3 d\u1eef li\u1ec7u c\u1ee7a c\u1ea3 hai ph\u00eda ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay.<\/p>\n

Vi\u1ec7c th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh tr\u1ef1c tuy\u1ebfn m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 r\u1ebb h\u01a1n h\u00ecnh th\u1ee9c truy\u1ec1n th\u1ed1ng, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 quy\u1ec1n l\u1ef1a ch\u1ecdn \u0111\u1ed1i t\u00e1c mu\u1ed1n vay tr\u00ean n\u1ec1n t\u1ea3ng P2P. \u0110\u00e2y \u0111\u01b0\u1ee3c coi l\u00e0 \u0111i\u1ec3m kh\u00e1 \u01b0u vi\u1ec7t so v\u1edbi h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng c\u1ee7a\u00a0 ng\u00e2n h\u00e0ng, v\u00ec h\u1ecd c\u00f3 th\u1ec3 n\u1eafm gi\u1eef v\u00e0 khai th\u00e1c kh\u1ed1i l\u01b0\u1ee3ng d\u1eef li\u1ec7u th\u00f4ng tin kh\u00e1ch h\u00e0ng c\u1ef1c l\u1edbn, c\u00f3 kh\u1ea3 n\u0103ng k\u1ebft n\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf. V\u1edbi vi\u1ec7c tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o s\u1ebd ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n, gi\u1edbi chuy\u00ean gia d\u1ef1 b\u00e1o xu h\u01b0\u1edbng n\u00e0y s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c nh\u00e2n r\u1ed9ng \u1edf nhi\u1ec1u qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi.<\/p>\n

Ths. T\u1ea1 Quang \u0110\u00f4n – Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ph\u00e1p ch\u1ebf (NHNN) chia s\u1ebb, m\u00f4 h\u00ecnh thanh to\u00e1n ngang h\u00e0ng – kh\u00f4ng qua trung gian l\u00e0 m\u00f4 h\u00ecnh kh\u00f4ng c\u00f3 s\u1ef1 tham gia c\u1ee7a trung gian t\u00e0i ch\u00ednh cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n trong giao d\u1ecbch gi\u1eefa ng\u01b0\u1eddi thanh to\u00e1n v\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng. Ch\u00ednh b\u1edfi th\u1ebf, ng\u00e0y nay v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0 ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 cho ph\u00e9p c\u00e1c giao d\u1ecbch nh\u01b0 v\u1eady \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nhi\u1ec1u h\u01a1n. Song, \u00f4ng \u0110\u00f4n c\u0169ng l\u01b0u \u00fd vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch nh\u01b0 v\u1eady ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro, nh\u1ea5t l\u00e0 kh\u00f4ng ph\u1ea3i qu\u1ed1c gia n\u00e0o c\u0169ng th\u1eeba nh\u1eadn vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 (nh\u01b0 bitcoin) l\u00e0m ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n h\u1ee3p ph\u00e1p.<\/p>\n

V\u1ea5n \u0111\u1ec1 hi\u1ec7n nay t\u1ea1i Vi\u1ec7t Nam, v\u1eabn ch\u01b0a c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng. B\u1ea3n th\u00e2n cho vay l\u00e0 m\u1ed9t trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng, nh\u01b0ng v\u1edbi h\u00ecnh th\u1ee9c cho vay ngang h\u00e0ng, hi\u1ec7n kh\u00f4ng b\u1ecb \u0111i\u1ec1u ch\u1ec9nh b\u1edfi Lu\u1eadt C\u00e1c TCTD m\u00e0 m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. Th\u1eadm ch\u00ed theo chia s\u1ebb c\u1ee7a m\u1ed9t chuy\u00ean gia, th\u1ef1c t\u1ebf kh\u00f4ng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh chi ti\u1ebft cho vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c n\u00e0o, l\u00e3i su\u1ea5t ra sao, ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3\u2026 m\u00e0 ch\u1ec9 c\u00f3 nh\u1eefng nguy\u00ean t\u1eafc chung trong giao d\u1ecbch gi\u1eefa c\u00e1 nh\u00e2n v\u1edbi nhau n\u00ean hi\u1ec7n t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 kh\u00f4ng \u0111\u1ee7 quy \u0111\u1ecbnh v\u1edbi cho vay ngang h\u00e0ng.<\/p>\n

Ch\u1ec9 ra nh\u1eefng r\u1ee7i ro c\u1ee7a m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng, LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c 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 s\u1ebd ch\u1ecbu \u201cs\u1ee9c \u00e9p l\u1edbn\u201d khi b\u1ecb \u0111\u00f2i n\u1ee3. N\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 TCTD.<\/em><\/p>\n

Qu\u1ea3 v\u1eady, hi\u1ec7n \u1edf Vi\u1ec7t Nam, ch\u1ec9 c\u00f3 ng\u00e2n h\u00e0ng m\u1edbi c\u00f3 quy\u1ec1n huy \u0111\u1ed9ng ti\u1ec1n c\u1ee7a d\u00e2n ch\u00fang, c\u00e1c c\u00f4ng ty P2P ch\u1ec9 c\u00f3 nhi\u1ec7m v\u1ee5 li\u00ean k\u1ebft trung gian. Th\u1ebf nh\u01b0ng c\u00e1c chuy\u00ean gia cho r\u1eb1ng c\u0169ng kh\u00f4ng lo\u1ea1i tr\u1eeb kh\u1ea3 n\u0103ng s\u1ebd c\u00f3 th\u1ec3 n\u1ea3y sinh nh\u1eefng c\u00f4ng ty huy \u0111\u1ed9ng v\u1ed1n b\u1eb1ng nhi\u1ec1u c\u00e1ch, d\u00f9ng v\u1ed1n \u0111\u00f3 cho vay \u0111\u1ed1i v\u1edbi c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf kh\u00e1c, khi h\u00e0nh lang ph\u00e1p l\u00fd ch\u01b0a ho\u00e0n thi\u1ec7n.<\/p>\n

V\u00ec v\u1eady, c\u00e1c chuy\u00ean gia cho r\u1eb1ng, c\u1ea7n nhanh ch\u00f3ng x\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng n\u00e0y; ho\u1eb7c c\u00f3 th\u1ec3 \u0111\u01b0a ra gi\u1ea3i ph\u00e1p s\u1ebd c\u00f3 khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd th\u1eed nghi\u1ec7m (sandbox). Khi \u0111\u01b0a v\u00e0o sandbox ch\u1eafc ch\u1eafn s\u1ebd \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh nhanh, an to\u00e0n h\u01a1n v\u00ec theo chuy\u00ean gia \u201ckh\u00f4ng n\u00ean c\u1ee9 th\u1ea5y m\u1edbi l\u00e0 ng\u1ea1i vi\u1ec7c r\u1ee7i ro, n\u1ebfu c\u00f3 th\u1ec3 \u0111\u01b0a \u0111\u01b0\u1ee3c v\u00e0o sanbox th\u00ec r\u1ee7i ro s\u1ebd trong t\u1ea7m ki\u1ec3m so\u00e1t c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc, ch\u1ee9 kh\u00f4ng th\u1ec3 n\u00e0o \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng nh\u01b0 hi\u1ec7n nay\u201d.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
D\u1ef1 \u0111o\u00e1n \u0111\u1ebfn n\u0103m 2025, t\u1ed5ng d\u01b0 n\u1ee3 cho vay qua P2P to\u00e0n th\u1ebf gi\u1edbi s\u1ebd \u0111\u1ea1t h\u01a1n 1.000 t\u1ef7 USD<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c nhi\u1ec1u qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi tri\u1ec3n khai. Vi\u1ec7t Nam c\u0169ng kh\u00f4ng th\u1ec3 n\u00e0o ph\u00e1t tri\u1ec3n sao c\u0169ng \u0111\u01b0\u1ee3c n\u00ean vi\u1ec7c \u0111\u01b0a v\u00e0o sandbox cho ph\u00f9 h\u1ee3p v\u1edbi \u0111i\u1ec1u ki\u1ec7n Vi\u1ec7t Nam l\u00e0 ho\u00e0n to\u00e0n h\u1ee3p l\u00fd. Tuy nhi\u00ean, v\u1ecb chuy\u00ean gia n\u00e0y c\u0169ng nh\u1eadn th\u1ea5y vi\u1ec7c th\u1eed nghi\u1ec7m kh\u00f4ng n\u00ean k\u00e9o d\u00e0i \u0111\u1ec3 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng ch\u00ednh th\u1ee9c v\u00e0 nh\u00e2n r\u1ed9ng m\u00f4 h\u00ecnh n\u00e0y m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 nh\u1ea5t.<\/p>\n

Sau khi ho\u00e0n th\u00e0nh th\u1eed nghi\u1ec7m trong m\u00f4i tr\u01b0\u1eddng sandbox, theo \u00f4ng Nguy\u1ec5n H\u01b0ng – T\u1ed5ng gi\u00e1m \u0111\u1ed1c TPBank, \u0111\u01a1n v\u1ecb th\u1eed nghi\u1ec7m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c cho ph\u00e9p tri\u1ec3n khai th\u00ed \u0111i\u1ec3m trong ph\u1ea1m vi r\u1ed9ng h\u01a1n, v\u1edbi \u0111i\u1ec1u ki\u1ec7n k\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m tho\u1ea3 m\u00e3n m\u1ee5c ti\u00eau \u0111\u1ec1 ra t\u1eeb ban \u0111\u1ea7u v\u00e0 \u0111\u01a1n v\u1ecb c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd li\u00ean quan.<\/p>\n

M\u1eb7t kh\u00e1c, trong tr\u01b0\u1eddng h\u1ee3p k\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m cho th\u1ea5y c\u1ea7n c\u00f3 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh, b\u1ed5 sung h\u00e0nh lang ph\u00e1p l\u00fd, c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 c\u00f9ng t\u1ed5 tham v\u1ea5n nghi\u00ean c\u1ee9u, tri\u1ec3n khai th\u1eed nghi\u1ec7m s\u00e2u h\u01a1n \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh ph\u00f9 h\u1ee3p v\u1edbi m\u00f4 h\u00ecnh sandbox, c\u1ea3 \u0111\u01a1n v\u1ecb th\u1eed nghi\u1ec7m v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc \u0111\u1ec1u c\u00f3 kh\u1ea3 n\u0103ng gi\u00e1m s\u00e1t c\u00f4ng ngh\u1ec7 m\u1edbi trong m\u00f4i tr\u01b0\u1eddng g\u1ea7n v\u1edbi th\u1ef1c t\u1ebf tri\u1ec3n khai. T\u1eeb \u0111\u00f3 x\u00e2y d\u1ef1ng c\u00e1i nh\u00ecn t\u1ed5ng quan v\u00e0 \u0111\u01b0a ra \u0111\u00e1nh gi\u00e1 kh\u00e1ch quan v\u1ec1 c\u00e1c r\u1ee7i ro, t\u00ednh kh\u1ea3 thi v\u00e0 hi\u1ec7u qu\u1ea3 c\u1ee7a gi\u1ea3i ph\u00e1p. Ban ch\u1ec9 \u0111\u1ea1o Fintech c\u1ee7a NHNN c\u0169ng \u0111\u00e3 x\u00e1c \u0111\u1ecbnh nhi\u1ec7m v\u1ee5 quan tr\u1ecdng nh\u1ea5t tr\u01b0\u1edbc m\u1eaft l\u00e0 x\u00e2y d\u1ef1ng khung ph\u00e1p l\u00fd cho l\u0129nh v\u1ef1c Fintech, t\u1eadp trung v\u00e0o m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c, trong \u0111\u00f3 c\u00f3 cho vay ngang h\u00e0ng\u2026<\/p>\n

Minh Kh\u00f4i<\/strong><\/p>\n

———————————————————————-<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7) 06-8-2018:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/can-trong-voi-cho-vay-ngang-hang-78587.html<\/em><\/a><\/p>\n

(149\/1.260)<\/em>","protected":false},"excerpt":{"rendered":"

(TBNH) – Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c 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 s\u1ebd ch\u1ecbu \u201cs\u1ee9c \u00e9p l\u1edbn\u201d khi b\u1ecb \u0111\u00f2i n\u1ee3. Cho vay ngang h\u00e0ng (P2P lending) l\u00e0 m\u00f4 h\u00ecnh k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp […]<\/p>\n","protected":false},"author":1,"featured_media":25198,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-25197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.929. 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