{"id":25219,"date":"2018-08-09T14:31:22","date_gmt":"2018-08-09T07:31:22","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25219"},"modified":"2022-06-07T14:36:00","modified_gmt":"2022-06-07T07:36:00","slug":"1-935-lo-ngai-bien-tuong-cho-vay-tien-qua-mang-thanh-vay-nang-lai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-935-lo-ngai-bien-tuong-cho-vay-tien-qua-mang-thanh-vay-nang-lai\/","title":{"rendered":"1.935. Lo ng\u1ea1i bi\u1ebfn t\u01b0\u1edbng cho vay ti\u1ec1n qua m\u1ea1ng th\u00e0nh vay n\u1eb7ng l\u00e3i"},"content":{"rendered":"(TT) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer \u2013P2P) t\u1ea1i Vi\u1ec7t Nam kh\u00f4ng h\u1ec1 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p m\u00e0 c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c n\u00e0y th\u01b0\u1eddng \u0111\u0103ng k\u00fd l\u00e0 c\u00f4ng ty t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0, m\u00f4i gi\u1edbi cho vay ti\u1ec1n. V\u00ec v\u1eady, nhi\u1ec1u \u00fd ki\u1ebfn lo ng\u1ea1i t\u00ednh r\u1ee7i ro cao cho c\u1ea3 ng\u01b0\u1eddi vay l\u1eabn cho vay, \u0111\u1eb7c bi\u1ec7t l\u00e0 P2P bi\u1ebfn t\u01b0\u1edbng th\u00e0nh vay n\u1eb7ng l\u00e3i.<\/strong><\/p>\n

Gi\u1ea3i ng\u00e2n \u201csi\u00eau t\u1ed1c\u201d, r\u1ee7i ro cho c\u00e1c b\u00ean<\/strong><\/p>\n

Anh N.T.C\u01b0\u1eddng (ph\u1ed1 H\u00e0ng B\u00fan, H\u00e0 N\u1ed9i) \u0111ang c\u1ea7n g\u1ea5p 30 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 lo vi\u1ec7c gia \u0111\u00ecnh. \u00d4m chi\u1ebfc laptop \u0111\u00e3 c\u0169, anh C\u01b0\u1eddng di chuy\u1ec3n con tr\u1ecf chu\u1ed9t v\u00e0 ch\u1ec9 trong v\u00e0i ph\u00fat, h\u00e0ng lo\u1ea1t c\u00e1c trang web \u0111\u01b0\u1ee3c hi\u1ec3n th\u1ecb ch\u00e0o m\u1eddi cho vay ti\u1ec1n c\u0169ng nh\u01b0 m\u00f4i gi\u1edbi cho vay nh\u01b0: vaymuon.vn, doctordong.vn, tima.vn, huydong.com\u2026<\/p>\n\n\n\n
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Cho vay online ch\u1ec9 trong 30 ph\u00fat. \u1ea2nh: Tin t\u1ee9c\/TTXVN.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ch\u1ec9 trong \u201cm\u1ed9t n\u1ed1t nh\u1ea1c\u201d, anh C\u01b0\u1eddng c\u00f3 th\u1ec3 ho\u00e0n t\u1ea5t c\u00e1c th\u00f4ng tin vay trong h\u1ed3 s\u01a1 \u0111\u1ec3 chuy\u1ec3n \u0111\u1ebfn ng\u01b0\u1eddi cho vay. N\u1ebfu kho\u1ea3n vay \u0111\u01b0\u1ee3c duy\u1ec7t, sau khi k\u00fd h\u1ee3p \u0111\u1ed3ng, anh C\u01b0\u1eddng c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n gi\u1ea3i ng\u00e2n th\u00f4ng qua t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ea1i c\u00e1c \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a \u0111\u1ed1i t\u00e1c.<\/p>\n

Theo t\u00ecm hi\u1ec3u c\u1ee7a ph\u00f3ng vi\u00ean b\u00e1o Tin t\u1ee9c, t\u1ea1i trang huydong.com, n\u1ebfu kh\u00e1ch h\u00e0ng mu\u1ed1n vay 30 tri\u1ec7u \u0111\u1ed3ng trong 6 th\u00e1ng, s\u1ed1 ti\u1ec1n tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng l\u00e0 5,2 tri\u1ec7u \u0111\u1ed3ng; t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 trong 6 th\u00e1ng l\u00e0 31,3 tri\u1ec7u \u0111\u1ed3ng. C\u00f2n t\u1ea1i vaymuon.vn c\u00f3 l\u00e3i su\u1ea5t t\u1eeb 1,5%\/th\u00e1ng (18%\/n\u0103m). Trang tima.vn c\u00f2n tr\u1ef1c ti\u1ebfp m\u00f4i gi\u1edbi ng\u01b0\u1eddi vay v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0. Theo \u0111\u00f3, hai b\u00ean t\u1ef1 k\u1ebft n\u1ed1i v\u00e0 t\u1ef1 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 c\u00e1c th\u1ee7 t\u1ee5c li\u00ean quan.<\/p>\n

Hi\u1ec7n c\u00e1c c\u00f4ng ty cho vay P2P cung c\u1ea5p c\u00e1c g\u00f3i vay kh\u00e1 \u0111a d\u1ea1ng, t\u1eeb t\u00edn ch\u1ea5p, th\u1ebf ch\u1ea5p \u0111\u1ebfn mua tr\u1ea3 g\u00f3p 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 nh\u00e0 tr\u1ea3 g\u00f3p…<\/p>\n

P2P xu\u1ea5t hi\u1ec7n \u0111\u1ea7u ti\u00ean \u1edf Anh, sau \u0111\u00f3 ph\u00e1t tri\u1ec3n \u1edf nhi\u1ec1u n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi. Tuy nhi\u00ean \u1edf Vi\u1ec7t Nam, ph\u00e1p lu\u1eadt ch\u01b0a c\u00f4ng nh\u1eadn h\u00ecnh th\u1ee9c cho vay n\u00e0y. 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 doanh nghi\u1ec7p 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 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\u00f3 kh\u1ea3 n\u0103ng k\u1ebft n\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean b\u00e1o Tin t\u1ee9c, Lu\u1eadt gia \u0110\u1eb7ng V\u0103n Th\u00e0nh, \u0110o\u00e0n lu\u1eadt s\u01b0 th\u00e0nh ph\u1ed1 H\u00e0 N\u1ed9i cho bi\u1ebft: \u201cN\u1ebfu so s\u00e1nh th\u00ec h\u01a1i kh\u1eadp khi\u1ec5ng nh\u01b0ng \u0111\u1ed9 kh\u00f3 v\u1ec1 qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc c\u0169ng gi\u1ed1ng nh\u01b0 Grab v\u1edbi d\u1ecbch v\u1ee5 v\u1eadn t\u1ea3i h\u00e0nh kh\u00e1ch truy\u1ec1n th\u1ed1ng. Nh\u1eefng c\u00f4ng ty n\u00e0y kh\u00f4ng kinh doanh t\u00edn d\u1ee5ng – cho vay nh\u01b0 ng\u00e2n h\u00e0ng nh\u01b0ng l\u1ea1i c\u0169ng th\u1ea9m \u0111\u1ecbnh, nh\u1eadn ti\u1ec1n, cho vay, thu n\u1ee3… theo h\u00ecnh th\u1ee9c l\u00e0 \u1ee7y th\u00e1c, u\u1ef7 quy\u1ec1n, t\u01b0 v\u1ea5n, h\u01b0\u1edbng d\u1eabn, h\u1ed7 tr\u1ee3 ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 vi\u1ec7c kinh doanh ti\u1ec1n t\u1ec7\u201d.<\/p>\n

Theo lu\u1eadt gia \u0110\u1eb7ng V\u0103n Th\u00e0nh, c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u00f3 l\u00e0 ph\u01b0\u01a1ng th\u1ee9c ho\u1ea1t \u0111\u1ed9ng “trung gian m\u00f4i gi\u1edbi gi\u1eefa ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u cho vay, \u0111\u1ea7u t\u01b0 v\u1edbi ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay v\u1ed1n, huy \u0111\u1ed9ng v\u1ed1n th\u00f4ng qua h\u1ec7 th\u1ed1ng k\u1ebft n\u1ed1i b\u1eb1ng ph\u1ea7n m\u1ec1m \u1ee9ng d\u1ee5ng ho\u1eb7c website. C\u0169ng c\u00f3 th\u1ec3 so s\u00e1nh \u0111\u1ec3 l\u00e0m r\u00f5 th\u00eam (ngo\u00e0i so s\u00e1nh nh\u01b0 Uber, Grab trong kinh doanh v\u1eadn t\u1ea3i h\u00e0nh kh\u00e1ch), \u0111\u00f3 l\u00e0 nh\u01b0 c\u00e1c “si\u00eau th\u1ecb \u1ea3o” trong kinh doanh th\u01b0\u01a1ng m\u1ea1i. C\u1ee5 th\u1ec3 l\u00e0 c\u00e1c trang th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed nh\u01b0: Lazada, ch\u1ec9 “cho thu\u00ea gi\u1edbi thi\u1ec7u h\u00ecnh \u1ea3nh m\u1eb7t h\u00e0ng” \u0111\u1ec3 ng\u01b0\u1eddi b\u00e1n v\u00e0 ng\u01b0\u1eddi mua g\u1eb7p nhau, ch\u1ed1t th\u1ecfa thu\u1eadn.<\/p>\n

C\u1ea7n ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd<\/strong><\/p>\n

Chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng, nh\u1eefng c\u00f4ng ty m\u00f4i gi\u1edbi kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng n\u00ean c\u01a1 s\u1edf ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y ch\u1ec9 c\u00f3 Lu\u1eadt d\u00e2n s\u1ef1. Ph\u00eda NHNN c\u0169ng g\u1eb7p nhi\u1ec1u l\u00fang t\u00fang v\u00ec ph\u00e1p lu\u1eadt kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ea5m, ki\u1ec3u nh\u01b0 ho\u1ea1t \u0111\u1ed9ng Grab, kh\u00f4ng c\u1ea5m Grab ho\u1ea1t \u0111\u1ed9ng m\u00e0 s\u1ebd c\u00f3 khung ph\u00e1p l\u00fd quy \u0111\u1ecbnh \u0111\u1ec3 qu\u1ea3n l\u00fd sao cho ph\u00f9 h\u1ee3p.<\/p>\n

“T\u00f4i cho r\u1eb1ng, m\u00f4 h\u00ecnh n\u00e0y r\u1ee7i ro cho c\u1ea3 b\u00ean cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay. H\u1ee3p \u0111\u1ed3ng gi\u1eefa hai b\u00ean c\u00f3 r\u1ea5t nhi\u1ec1u thi\u1ebfu s\u00f3t v\u00e0 kh\u00f4ng tu\u00e2n th\u1ee7 theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt b\u1edfi ng\u01b0\u1eddi \u0111i vay ch\u1ec9 c\u1ea7n c\u00f3 t\u00ean v\u00e0 ch\u1ee9ng minh th\u01b0 nh\u00e2n d\u00e2n. Ph\u00eda ng\u01b0\u1eddi cho vay ch\u1ec9 d\u1ef1a v\u00e0o nh\u1eefng th\u00f4ng tin, \u0111i\u1ec1u tra do c\u00f4ng ty m\u00f4i gi\u1edbi cung c\u1ea5p, kh\u00f4ng th\u1ec3 th\u1ea9m \u0111\u1ecbnh \u0111\u01b0\u1ee3c. V\u1eady c\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0 n\u1ebfu c\u00f4ng ty m\u00f4i gi\u1edbi l\u00e0m \u0103n b\u1eady b\u1ea1 th\u00ec sao, ch\u01b0a k\u1ec3 c\u00f4ng ty c\u00f2n tham gia ho\u1ea1t \u0111\u1ed9ng b\u00e1n h\u00e0ng \u0111a c\u1ea5p,” \u00f4ng Hi\u1ebfu nh\u1ea5n m\u1ea1nh.<\/p>\n

Theo \u00f4ng Hi\u1ebfu, c\u0169ng gi\u1ed1ng nh\u01b0 Uber, Grab l\u00e0 k\u1ebft n\u1ed1i ng\u01b0\u1eddi c\u00f3 xe \u00f4t\u00f4 r\u1ea3nh r\u1ed7i v\u1edbi ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u di chuy\u1ec3n, th\u00ec \u1edf \u0111\u00e2y nh\u1eefng ng\u01b0\u1eddi c\u00f3 ti\u1ec1n nh\u00e0n r\u1ed7i ch\u1ec9 c\u1ea7n t\u1ea3i \u1ee9ng d\u1ee5ng, \u0111\u0103ng k\u00fd t\u00e0i kho\u1ea3n \u0111\u1ec3 tr\u1edf th\u00e0nh nh\u00e0 \u0111\u1ea7u t\u01b0. Khi c\u00f3 m\u1ed9t kho\u1ea3n vay \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t, nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o c\u1ee7a \u1ee9ng d\u1ee5ng. N\u1ebfu ch\u1ea5p thu\u1eadn cho vay, kho\u1ea3n ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n t\u1eeb t\u00e0i kho\u1ea3n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 sang t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi vay. C\u00f2n v\u1edbi ng\u01b0\u1eddi \u0111i vay, ch\u1ec9 c\u1ea7n c\u00e0i \u1ee9ng d\u1ee5ng, \u0111\u0103ng k\u00fd sau \u0111\u00f3 t\u1ea3i l\u00ean \u1ea3nh ch\u1ee5p m\u1ed9t s\u1ed1 gi\u1ea5y t\u1edd li\u00ean quan l\u00e0 \u0111\u00e3 ho\u00e0n t\u1ea5t m\u1ed9t y\u00eau c\u1ea7u vay ti\u1ec1n.<\/p>\n

Chia s\u1ebb v\u1edbi ph\u00f3ng vi\u00ean b\u00e1o Tin t\u1ee9c, m\u1ed9t c\u00e1n b\u1ed9 c\u1ee7a NHNN cho hay, m\u00f4 h\u00ecnh cho vay P2P v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p n\u00ean c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c n\u00e0y th\u01b0\u1eddng \u0111\u0103ng k\u00fd l\u00e0 c\u00f4ng ty t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0. C\u00e1c c\u00f4ng ty n\u00e0y c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp huy \u0111\u1ed9ng hay cho vay n\u00ean kh\u00f4ng n\u1eb1m trong \u0111\u1ed1i t\u01b0\u1ee3ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u00e0 thu\u1ed9c ph\u1ea1m vi qu\u1ea3n l\u00fd c\u1ee7a B\u1ed9 C\u00f4ng an v\u00e0 an ninh m\u1ea1ng. Do v\u1eady, khi c\u00f3 r\u1ee7i ro x\u1ea3y ra (nh\u01b0 c\u00e1c s\u00e0n giao d\u1ecbch k\u1ebft n\u1ed1i n\u00e0y ng\u1eebng ho\u1ea1t \u0111\u1ed9ng, b\u1ecb \u0111\u00e1nh c\u1eafp ti\u1ec1n ho\u1eb7c th\u1eadm ch\u00ed l\u00e0 l\u1eeba \u0111\u1ea3o kh\u00e1ch h\u00e0ng) th\u00ec r\u1ea5t kh\u00f3 \u0111\u1ec3 x\u1eed l\u00fd do thi\u1ebfu c\u01a1 s\u1edf ph\u00e1p l\u00fd.<\/p>\n

Ch\u1ec9 ra nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng, r\u1ee7i ro t\u1eadp trung v\u1ec1 ph\u00eda ng\u01b0\u1eddi cho vay, n\u1ebfu c\u00f4ng ty trung gian l\u00e0m thay ch\u1ee9c n\u0103ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng huy \u0111\u1ed9ng v\u00e0 l\u00e0 ng\u01b0\u1eddi cho vay th\u00ec r\u1ee7i s\u1ebd r\u1ea5t l\u1edbn. C\u00f2n ng\u01b0\u1eddi \u0111i vay r\u1ee7i ro l\u00e0 g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 nh\u01b0ng s\u1ebd b\u1ecb s\u1ee9c \u00e9p tr\u1ea3 n\u1ee3, s\u1ee9c \u00e9p l\u00e3i su\u1ea5t cao, ng\u01b0\u1eddi cho vay c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ec3 thu gi\u1eef s\u1ed1 t\u00e0i s\u1ea3n c\u00f2n l\u1ea1i v\u00e0 kh\u1edfi ki\u1ec7n ra t\u00f2a n\u1ebfu ng\u01b0\u1eddi \u0111i vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, th\u1eadm ch\u00ed l\u00e0 c\u1ea3 “\u0111e d\u1ecda”.<\/em><\/p>\n

Ngo\u00e0i ra vi\u1ec7c ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p th\u00ec t\u00ednh ph\u00e1p l\u00fd c\u1ee7a h\u1ee3p \u0111\u1ed3ng giao d\u1ecbch \u0111i\u1ec7n t\u1eed c\u0169ng \u0111ang b\u1ecb b\u1ecf ng\u1ecf. \u00d4ng Ph\u1ea1m Xu\u00e2n Ho\u00e8, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng cho r\u1eb1ng, c\u1ea7n ph\u1ea3i nh\u00ecn nh\u1eadn l\u1ea1i h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 tr\u00ean g\u00f3c \u0111\u1ed9 k\u00fd k\u1ebft giao d\u1ecbch tr\u00ean m\u1ea1ng \u0111i\u1ec7n t\u1eed, c\u00e1c ch\u1ee9ng t\u1eeb \u0111i\u1ec7n t\u1eed \u0111\u00f3 \u0111\u01b0\u1ee3c l\u01b0u gi\u1eef tr\u00ean c\u00e1c c\u01a1 s\u1edf gi\u1eef li\u1ec7u \u0111\u1ea5y. Nh\u01b0ng c\u00e2u chuy\u1ec7n v\u1ec1 ch\u00ednh s\u00e1ch v\u1eabn \u0111ang c\u00f2n m\u1ed9t kho\u1ea3ng tr\u1ed1ng r\u1ea5t l\u1edbn, c\u1ea7n ph\u1ea3i b\u00f9 \u0111\u1eafp. Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, ch\u1ec9 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng v\u00e0 cho vay v\u1ed1n. Khi v\u1eabn n\u1eb1m \u201cngo\u00e0i v\u00f2ng ph\u00e1p lu\u1eadt\u201d, th\u00ec 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 khi c\u00f3 tranh ch\u1ea5p x\u1ea3y ra.<\/p>\n

Tuy nhi\u00ean quan \u0111i\u1ec3m c\u1ee7a chuy\u00ean gia C\u1ea5n V\u0103n L\u1ef1c l\u00e0 NHNN c\u1ea7n c\u00f3 bi\u1ec7n ph\u00e1p \u0111\u1ec3 ch\u1eb7n c\u00e1c c\u00f4ng ty P2P ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en tr\u00e1 h\u00ecnh ch\u1ee9 kh\u00f4ng n\u00ean c\u1ea5m. \u0110\u00e2y l\u00e0 m\u1ed9t xu th\u1ebf t\u1ea5t y\u1ebfu, l\u00e0 m\u1ed9t s\u00e1ng t\u1ea1o c\u1ee7a th\u1eddi \u0111\u1ea1i ng\u00e2n h\u00e0ng s\u1ed1. Ch\u00fang ta c\u1ea7n ph\u1ea3i ch\u1ea5p nh\u1eadn v\u00e0 c\u00f3 bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro cho c\u00e1c b\u00ean tham gia.<\/p>\n

Minh Ph\u01b0\u01a1ng\/B\u00e1o Tin t\u1ee9c<\/strong><\/p>\n

————————————–<\/p>\n

Tin t\u1ee9c (Kinh t\u1ebf) 09-8-2018:<\/em><\/strong><\/p>\n

https:\/\/baotintuc.vn\/thi-truong-tai-chinh\/lo-ngai-bien-tuong-cho-vay-tien-qua-mang-thanh-vay-nang-lai-20180809134529790.htm<\/a><\/em><\/p>\n

(125\/1.558)<\/em>","protected":false},"excerpt":{"rendered":"

(TT) – M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (Peer to Peer \u2013P2P) t\u1ea1i Vi\u1ec7t Nam kh\u00f4ng h\u1ec1 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p m\u00e0 c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c n\u00e0y th\u01b0\u1eddng \u0111\u0103ng k\u00fd l\u00e0 c\u00f4ng ty t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0, m\u00f4i gi\u1edbi cho vay ti\u1ec1n. V\u00ec v\u1eady, nhi\u1ec1u \u00fd ki\u1ebfn lo […]<\/p>\n","protected":false},"author":1,"featured_media":25220,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-25219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.935. Lo ng\u1ea1i bi\u1ebfn t\u01b0\u1edbng cho vay ti\u1ec1n qua m\u1ea1ng th\u00e0nh vay n\u1eb7ng l\u00e3i - 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\/1-935-lo-ngai-bien-tuong-cho-vay-tien-qua-mang-thanh-vay-nang-lai\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.935. 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