{"id":25502,"date":"2020-06-05T14:23:06","date_gmt":"2020-06-05T07:23:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25502"},"modified":"2022-06-08T14:24:30","modified_gmt":"2022-06-08T07:24:30","slug":"2-566-dinh-vi-tai-chinh-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-566-dinh-vi-tai-chinh-tieu-dung\/","title":{"rendered":"2.566. \u0110\u1ecbnh v\u1ecb t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng"},"content":{"rendered":"(ND) – T\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng vay v\u1ed1n mua nh\u00e0 t\u1ea1i h\u1ed9i ch\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. <\/strong><\/p>\n

\"\"<\/p>\n

\u1ea2nh: SONG SONG<\/p>\n

Ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng (TCTD) \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 \u0111\u00fang v\u1ec1 vai tr\u00f2 v\u00e0 l\u1ee3i \u00edch, song nhu c\u1ea7u vay ti\u00eau d\u00f9ng v\u1eabn c\u00f2n qu\u00e1 l\u1edbn, th\u1ec3 hi\u1ec7n qua n\u1ea1n \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u1eabn nh\u1ee9c nh\u1ed1i. C\u00e1c chuy\u00ean gia cho r\u1eb1ng, t\u0103ng c\u01b0\u1eddng v\u00e0 \u0111\u1ea9y m\u1ea1nh vi\u1ec7c cho vay ch\u00ednh th\u1ed1ng s\u1ebd l\u00e0m l\u00e0nh m\u1ea1nh \u0111\u01b0\u1ee3c th\u1ecb tr\u01b0\u1eddng TCTD. Ch\u00ednh ph\u1ee7 v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) c\u1ea7n ho\u00e0n thi\u1ec7n c\u00e1c c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 v\u1eeba khuy\u1ebfn kh\u00edch, v\u1eeba c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd m\u1ed9t c\u00e1ch ch\u1eb7t ch\u1ebd v\u00e0 minh b\u1ea1ch ho\u1ea1t \u0111\u1ed9ng TCTD.<\/p>\n

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K\u1ef3 3: H\u01b0\u1edbng t\u1edbi th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0nh m\u1ea1nh<\/strong><\/p>\n

(Ti\u1ebfp theo & h\u1ebft)<\/em><\/p>\n

L\u1ea1c quan v\u1ec1 th\u1ecb tr\u01b0\u1eddng TCTD<\/strong><\/p>\n

Trao \u0111\u1ed5i \u00fd ki\u1ebfn t\u1ea1i T\u1ecda \u0111\u00e0m \u201cT\u00e1i kh\u1edfi \u0111\u1ed9ng n\u1ec1n kinh t\u1ebf – C\u01a1 h\u1ed9i cho TCTD\u201d di\u1ec5n ra m\u1edbi \u0111\u00e2y, b\u00e0 Tr\u1ea7n Thanh N\u1eef T\u01b0\u1eddng Vy, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c SHB Finance cho bi\u1ebft, kh\u00e1 l\u1ea1c quan v\u00e0 c\u00f3 ni\u1ec1m tin \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng TCTD. B\u00e0 Tr\u1ea7n Thanh N\u1eef T\u01b0\u1eddng Vy ph\u00e2n t\u00edch, th\u00e0nh c\u00f4ng hi\u1ec7n t\u1ea1i c\u1ee7a Vi\u1ec7t Nam trong c\u00f4ng t\u00e1c ki\u1ec3m so\u00e1t d\u1ecbch Covid-19 \u0111\u00e3 \u0111\u01b0\u1ee3c truy\u1ec1n th\u00f4ng qu\u1ed1c t\u1ebf \u0111\u00e1nh gi\u00e1 cao v\u00e0 c\u00f3 nhi\u1ec1u l\u1eddi khen ng\u1ee3i. T\u1eeb \u0111\u00f3 m\u1edf ra r\u1ea5t nhi\u1ec1u c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam th\u1eddi k\u1ef3 h\u1eadu Covid-19. Tr\u01b0\u1edbc c\u00e1c d\u1ef1 b\u00e1o thu\u1eadn l\u1ee3i v\u1ec1 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf trong ng\u1eafn h\u1ea1n v\u00e0 trung h\u1ea1n sau d\u1ecbch Covid-19, b\u1ee9c tranh ph\u1ee5c h\u1ed3i ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a doanh nghi\u1ec7p (DN) Vi\u1ec7t Nam ng\u00e0y c\u00e0ng r\u00f5 n\u00e9t h\u01a1n.<\/p>\n

Theo kh\u1ea3o s\u00e1t c\u1ee7a SHB Finance \u0111\u1ed1i v\u1edbi h\u01a1n 6.000 DN, th\u00ec t\u1ef7 l\u1ec7 DN ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng trong th\u00e1ng 5 t\u0103ng 13% so th\u00e1ng 4 v\u00e0 chi\u1ebfm h\u01a1n 85%. Nh\u00f3m DN b\u1ecb gi\u1ea3i th\u1ec3, s\u1eafp gi\u1ea3i th\u1ec3, ng\u1eebng ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng dao \u0111\u1ed9ng nhi\u1ec1u gi\u1eefa hai th\u00e1ng, v\u1eabn \u1edf m\u1ee9c d\u01b0\u1edbi 4%. \u0110\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u00ednh l\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng (ph\u00e2n kh\u00fac trung b\u00ecnh th\u1ea5p), \u0111\u00e2y c\u0169ng l\u00e0 nh\u00f3m d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng, m\u1ea5t, gi\u1ea3m thu nh\u1eadp khi DN b\u1ea5t \u1ed5n. Tuy nhi\u00ean, khi DN c\u00f3 th\u1ec3 quay l\u1ea1i ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh v\u00e0 t\u1ea1o vi\u1ec7c l\u00e0m cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, th\u00ec b\u00e0i to\u00e1n d\u1ea7n d\u1ea7n \u0111\u01b0\u1ee3c th\u00e1o g\u1ee1. SHB Finance d\u1ef1 b\u00e1o nhu c\u1ea7u vay v\u1ed1n ti\u00eau d\u00f9ng s\u1ebd t\u0103ng tr\u1edf l\u1ea1i t\u1eeb th\u00e1ng 5-2020. V\u1ea5n \u0111\u1ec1 l\u00e0 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng n\u00e0o c\u00f3 th\u1ec3 \u0111\u1ee7 chu\u1ea9n \u0111\u1ec3 cho vay.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) m\u1edbi gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng trong ba n\u0103m qua th\u00ec th\u00e1ch th\u1ee9c s\u1ebd c\u00f3 nhi\u1ec1u h\u01a1n l\u00e0 c\u01a1 h\u1ed9i. N\u1ebfu DN n\u00e0o ch\u01b0a \u0111\u1ee7 th\u1eddi gian \u0111\u1ec3 thi\u1ebft l\u1eadp b\u1ed9 m\u00e1y nh\u00e2n s\u1ef1 v\u1eadn h\u00e0nh \u1ed5n \u0111\u1ecbnh, ch\u01b0a th\u1ec3 gia t\u0103ng t\u1ed5ng t\u00e0i s\u1ea3n, doanh thu \u0111\u1ec3 t\u1ea1o l\u1ee3i nhu\u1eadn th\u00ec trong b\u1ed1i c\u1ea3nh h\u1eadu Covid-19 r\u1ee7i ro n\u1ee3 x\u1ea5u gia t\u0103ng, huy \u0111\u1ed9ng v\u1ed1n kh\u00f3 kh\u0103n s\u1ebd d\u1ec5 d\u00e0ng \u0111\u01b0a c\u00e1c DN m\u1edbi v\u00e0o ng\u00f5 h\u1eb9p.<\/p>\n

Nh\u01b0ng v\u1ec1 c\u01a1 h\u1ed9i, sau giai \u0111o\u1ea1n d\u1ecbch s\u1ebd m\u1edf ra nhi\u1ec1u \u0111\u1ecbnh h\u01b0\u1edbng m\u1edbi trong ph\u00e1t tri\u1ec3n kinh doanh, l\u00e0 d\u1ecbp \u0111\u1ec3 c\u00e1c DN m\u1edbi c\u1ea5u tr\u00fac l\u1ea1i m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng v\u00e0 nhanh ch\u00f3ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111\u1ec3 ti\u1ebft gi\u1ea3m chi ph\u00ed, \u0111\u00e1p \u1ee9ng xu h\u01b0\u1edbng cho vay ti\u00eau d\u00f9ng (CVTD) m\u1edbi.<\/p>\n

L\u00e0nh m\u1ea1nh h\u00f3a th\u1ecb tr\u01b0\u1eddng<\/strong><\/p>\n

V\u1ec1 ki\u1ebfn ngh\u1ecb v\u00e0 g\u1ee3i \u00fd h\u01b0\u1edbng t\u1edbi ho\u00e0n thi\u1ec7n th\u1ecb tr\u01b0\u1eddng TCTD, b\u00e0 Tr\u1ea7n Thanh N\u1eef T\u01b0\u1eddng Vy cho bi\u1ebft, hi\u1ec7n nay Trung t\u00e2m t\u00edn d\u1ee5ng (CIC) l\u00e0 n\u01a1i thu nh\u1eadn, l\u01b0u tr\u1eef, ph\u00e2n t\u00edch, x\u1eed l\u00fd, d\u1ef1 b\u00e1o th\u00f4ng tin t\u00edn d\u1ee5ng c\u1ee7a c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c nh\u1eb1m ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NH, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u0110\u1ec3 c\u00e1c CTTC c\u00f3 nhi\u1ec1u d\u1eef li\u1ec7u trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh v\u00e0 duy\u1ec7t vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng th\u00ec vi\u1ec7c \u1ee9ng d\u1ee5ng big data (d\u1eef li\u1ec7u l\u1edbn) r\u1ea5t quan tr\u1ecdng. N\u1ebfu CIC c\u00f3 th\u1ec3 c\u1eadp nh\u1eadt th\u00eam v\u1ec1 d\u1eef li\u1ec7u th\u1ec3 hi\u1ec7n h\u00e0nh vi thanh to\u00e1n chi ph\u00ed ti\u00eau d\u00f9ng c\u1ee7a kh\u00e1ch h\u00e0ng nh\u01b0 th\u00f4ng tin b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, th\u00f4ng tin n\u1ed9p thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n, th\u00f4ng tin thanh to\u00e1n\/n\u1ee3 h\u00f3a \u0111\u01a1n\u2026 th\u00ec c\u00e1c th\u00f4ng tin n\u00e0y r\u1ea5t h\u1eefu d\u1ee5ng cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ho\u1ea1t \u0111\u1ed9ng cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng, t\u1eeb \u0111\u00f3 h\u1ea1n ch\u1ebf th\u1ea5p nh\u1ea5t n\u1ee3 x\u1ea5u.<\/p>\n

C\u0169ng theo b\u00e0 Tr\u1ea7n Thanh N\u1eef T\u01b0\u1eddng Vy, c\u1ea7n khuy\u1ebfn kh\u00edch t\u1ea5t c\u1ea3 CTTC tham gia Hi\u1ec7p h\u1ed9i NH Vi\u1ec7t Nam, ph\u00e2n nh\u00f3m CTTC v\u00e0 c\u00f3 di\u1ec5n \u0111\u00e0n chuy\u00ean \u0111\u1ec1 ri\u00eang cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. B\u00ean c\u1ea1nh \u0111\u00f3, t\u1ea1o m\u1ed9t s\u00e2n ch\u01a1i m\u1edbi, li\u00ean k\u1ebft ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c CTTC \u0111\u1ec3 chia s\u1ebb th\u00f4ng tin kh\u00e1ch h\u00e0ng gian l\u1eadn, nh\u00f3m nh\u00e2n vi\u00ean gian l\u1eadn c\u1ea5u k\u1ebft kh\u00e1ch h\u00e0ng tr\u1ee5c l\u1ee3i CTTC\u2026 Th\u1ef1c t\u1ebf, m\u1ed9t s\u1ed1 CTTC \u0111\u00e3 n\u1edbi l\u1ecfng quy \u0111\u1ecbnh, cho kh\u00e1ch h\u00e0ng vay th\u00eam d\u00f9 kh\u00e1ch h\u00e0ng \u0111ang c\u00f3 nhi\u1ec1u kho\u1ea3n n\u1ee3 t\u1ea1i c\u00e1c CTTC kh\u00e1c, d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n n\u1ee3 do vay qu\u00e1 nhi\u1ec1u, ph\u00e1t sinh n\u1ee3 x\u1ea5u. \u0110\u00e2y c\u0169ng l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ea7n \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd.<\/p>\n

TS \u0110\u1eb7ng Ng\u1ecdc \u0110\u1ee9c, nguy\u00ean Vi\u1ec7n tr\u01b0\u1edfng NH t\u00e0i ch\u00ednh, \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n c\u0169ng cho r\u1eb1ng, v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi ph\u00e1t tri\u1ec3n TCTD trong th\u1eddi gian t\u1edbi. Th\u1ee9 nh\u1ea5t, CVTD lu\u00f4n ph\u1ea3i \u0111\u1ed1i di\u1ec7n nguy c\u01a1 r\u1ee7i ro cao. B\u1edfi \u1edf Vi\u1ec7t Nam ch\u1ee7 y\u1ebfu l\u00e0 cho vay t\u00edn ch\u1ea5p. V\u1edbi nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a NHNN, CVTD t\u00edn ch\u1ea5p \u1edf Vi\u1ec7t Nam ph\u1ea7n l\u1edbn do c\u00e1c CTTC tri\u1ec3n khai v\u00e0 lu\u00f4n ti\u1ec1m \u1ea9n r\u1ee7i ro. Th\u1ee9 hai, \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n \u1edf ch\u00e2u \u00c2u v\u00e0 M\u1ef9, CVTD th\u01b0\u1eddng t\u1eadp trung v\u00e0o nhi\u1ec1u s\u1ea3n ph\u1ea9m, nh\u01b0ng \u1edf Vi\u1ec7t Nam ch\u1ec9 c\u00f3 hai s\u1ea3n ph\u1ea9m ph\u1ed5 bi\u1ebfn l\u00e0 cho vay \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n (B\u0110S), s\u1eeda nh\u00e0 chi\u1ebfm t\u1ef7 l\u1ec7 g\u1ea7n 50% d\u01b0 n\u1ee3 TCTD v\u00e0 vay \u0111\u1ec3 mua \u00f4-t\u00f4 ch\u1ec9 kho\u1ea3ng 10%. \u0110i\u1ec1u \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 s\u1ef1 t\u1eadp trung ch\u1ee7 y\u1ebfu v\u00e0o B\u0110S v\u00e0 mua \u00f4-t\u00f4, c\u00f3 th\u1ec3 xu\u1ea5t hi\u1ec7n th\u00eam t\u00ecnh tr\u1ea1ng vay v\u1ed1n c\u1ee7a nhi\u1ec1u t\u1eadp \u0111o\u00e0n B\u0110S. Do \u0111\u00f3, CVTD c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd \u0111\u1ec3 kh\u00f4ng x\u1ea3y ra r\u1ee7i ro v\u00e0 ti\u1ec1m \u1ea9n kh\u1ea3 n\u0103ng v\u1ee1 n\u1ee3. Th\u1ee9 ba, TCTD t\u1eadp trung v\u00e0o nhu c\u1ea7u mua v\u00e0 s\u1eeda nh\u00e0, mua \u00f4-t\u00f4, c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i v\u00e0 mua h\u00e0ng \u0111i\u1ec7n m\u00e1y, \u0111i\u1ec7n t\u1eed nh\u01b0ng vi\u1ec7c m\u1edf r\u1ed9ng d\u01b0 n\u1ee3 nh\u1eefng s\u1ea3n ph\u1ea9m cho vay n\u00e0y \u0111ang g\u1eb7p m\u1ed9t s\u1ed1 kh\u00f3 kh\u0103n. Th\u1ee9 t\u01b0, ngo\u00e0i c\u00e1c kho\u1ea3n vay tr\u00ean, c\u00e1c kho\u1ea3n vay c\u00f3 m\u1ee5c \u0111\u00edch kh\u00e1c hi\u1ec7n v\u1eabn chi\u1ebfm t\u1ef7 tr\u1ecdng kh\u00e1 khi\u00eam t\u1ed1n, m\u1ed9t ph\u1ea7n do y\u00eau c\u1ea7u nhi\u1ec1u ngu\u1ed3n l\u1ef1c h\u01a1n trong ph\u00e1t tri\u1ec3n quan h\u1ec7 v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p, ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng v\u00e0 x\u1eed l\u00fd th\u1ee7 t\u1ee5c vay. Th\u1ee9 n\u0103m, kh\u00f4ng th\u1ec3 kh\u00f4ng k\u1ec3 \u0111\u1ebfn t\u00e1c \u0111\u1ed9ng c\u1ee7a d\u1ecbch Covid-19 \u0111\u00e3 g\u00e2y ra nh\u1eefng t\u00e1c \u0111\u1ed9ng h\u1ebft s\u1ee9c nghi\u00eam tr\u1ecdng. Covid-19 kh\u00f4ng ch\u1ec9 l\u00e0m suy tho\u00e1i kinh t\u1ebf m\u00e0 c\u00f2n thay \u0111\u1ed5i c\u1ea3 th\u00f3i quen v\u00e0 \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, do v\u1eady s\u1ebd g\u00e2y ra t\u00e1c \u0111\u1ed9ng k\u00e9p \u0111\u1ed1i v\u1edbi TCTD, c\u1ea3 v\u1ec1 nhu c\u1ea7u s\u1ee5t gi\u1ea3m v\u00e0 kh\u1ea3 n\u0103ng thu n\u1ee3 c\u1ee7a c\u00e1c CTTC v\u00e0 NHTM.<\/p>\n

Bi\u1ec7n ph\u00e1p l\u00e2u d\u00e0i nh\u1ea5t \u0111\u1ec3 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng v\u1ed1n vay hi\u1ec7u qu\u1ea3, c\u00f3 k\u1ebf ho\u1ea1ch chi ti\u00eau v\u00e0 ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3 r\u00f5 r\u00e0ng, c\u00f3 k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh, theo \u00f4ng Ph\u1ea1m Xu\u00e2n H\u00f2e, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng (NHNN Vi\u1ec7t Nam), l\u00e0 ph\u1ea3i \u0111\u1eb7c bi\u1ec7t coi tr\u1ecdng v\u1ea5n \u0111\u1ec1 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n cho NTD. C\u00e1c CTTC, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00ean c\u00f4ng b\u1ed1 \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n ng\u01b0\u1eddi vay, t\u00edch h\u1ee3p c\u00e1c y\u1ebfu t\u1ed1 t\u00ednh \u0111i\u1ec3m chu\u1ea9n \u0111\u1ec3 gia t\u0103ng tr\u00e1ch nhi\u1ec7m ng\u01b0\u1eddi vay v\u00e0 khuy\u1ebfn c\u00e1o kh\u00e1ch h\u00e0ng kh\u00f4ng vay b\u1eb1ng m\u1ecdi gi\u00e1. C\u00f3 tr\u00e1ch nhi\u1ec7m v\u1edbi kho\u1ea3n vay ch\u00ednh l\u00e0 c\u00e1ch gi\u00fap kh\u00e1ch h\u00e0ng n\u00e2ng \u0111i\u1ec3m t\u00edn d\u1ee5ng, c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn v\u1ed1n l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n, h\u1ea1n m\u1ee9c cao h\u01a1n.<\/p>\n

Ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd & minh b\u1ea1ch<\/strong><\/p>\n

Theo PGS, TS \u0110\u1eb7ng Ng\u1ecdc \u0110\u1ee9c, \u0111\u1ed1i v\u1edbi NHNN v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd (CQQL), Ch\u00ednh ph\u1ee7 v\u00e0 NHNN c\u1ea7n ho\u00e0n thi\u1ec7n c\u00e1c c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 v\u1eeba khuy\u1ebfn kh\u00edch, v\u1eeba c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd m\u1ed9t c\u00e1ch ch\u1eb7t ch\u1ebd v\u00e0 minh b\u1ea1ch ho\u1ea1t \u0111\u1ed9ng TCTD. Tr\u01b0\u1edbc h\u1ebft l\u00e0 vi\u1ec7c nghi\u00ean c\u1ee9u v\u00e0 c\u00f4ng b\u1ed1 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh CVTD h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00e2n c\u00f3 nhu c\u1ea7u v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n sau d\u1ecbch Covid-19.<\/p>\n

Nhi\u1ec1u chuy\u00ean gia t\u00e0i ch\u00ednh v\u00e0 c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd khi \u0111\u01b0\u1ee3c h\u1ecfi v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u1ec1u th\u1ed1ng nh\u1ea5t r\u1eb1ng, vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tri\u1ec3n khai c\u00e1c s\u1ea3n ph\u1ea9m CVTD \u0111\u1eb7c bi\u1ec7t, h\u01b0\u1edbng t\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u1eb7c bi\u1ec7t l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p c\u01a1 b\u1ea3n c\u1ea7n \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb nh\u1eb1m m\u1edf r\u1ed9ng quy m\u00f4 v\u00e0 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng TCTD. Song song v\u1edbi ho\u00e0n thi\u1ec7n c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh v\u1ec1 TCTD, theo TS \u0110\u1eb7ng Ng\u1ecdc \u0110\u1ee9c, CQQL c\u1ea7n b\u1ed5 sung th\u00eam m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh m\u1edbi, sao cho c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 v\u1ec1 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng CVTD. Ngo\u00e0i ra, tr\u00ean c\u01a1 s\u1edf tham kh\u1ea3o, h\u1ecdc t\u1eadp kinh nghi\u1ec7m c\u1ee7a m\u1ed9t s\u1ed1 qu\u1ed1c gia trong vi\u1ec7c ph\u00e1t tri\u1ec3n TCTD, c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 NHNN c\u1ea7n th\u1ec3 hi\u1ec7n s\u1ef1 khuy\u1ebfn kh\u00edch h\u1ed7 tr\u1ee3 r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng t\u1ef1 c\u00e2n \u0111\u1ed1i, hay cho ph\u00e9p t\u00e1ch CVTD v\u00e0 cho vay s\u1ea3n xu\u1ea5t, kinh doanh, quy \u0111\u1ecbnh v\u1ec1 h\u1ea1ch to\u00e1n ri\u00eang v\u1ec1 thu nh\u1eadp v\u00e0 r\u1ee7i ro t\u00edn d\u1ee5ng\u2026 \u0110\u1eb7c bi\u1ec7t l\u00e0 vai tr\u00f2 c\u1ee7a ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c \u0111o\u00e0n th\u1ec3 bao g\u1ed3m c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i, t\u1ed5 ch\u1ee9c qu\u1ea7n ch\u00fang, h\u1ed9i ngh\u1ec1 nghi\u1ec7p\u2026 l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi vi\u1ec7c ph\u00e1t tri\u1ec3n TCTD t\u00edn ch\u1ea5p.<\/p>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0<\/em>cho bi\u1ebft, th\u1ef1c t\u1ebf nhu c\u1ea7u vay ti\u00eau d\u00f9ng b\u00ean ngo\u00e0i v\u1eabn c\u00f2n qu\u00e1 l\u1edbn, th\u1ec3 hi\u1ec7n qua n\u1ea1n \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u1eabn nh\u1ee9c nh\u1ed1i. K\u00eanh cho vay ch\u00ednh th\u1ed1ng v\u1eabn ti\u1ec1m n\u0103ng, nhi\u1ec1u \u0111i\u1ec3m s\u00e1ng, c\u00f3 nhi\u1ec1u \u01b0u th\u1ebf, \u1ed5n \u0111\u1ecbnh v\u00e0 ph\u00e1t tri\u1ec3n trong th\u1eddi gian t\u1edbi. Ngo\u00e0i ra, v\u1edbi c\u00f4ng ngh\u1ec7 hi\u1ec7n nay, ch\u00fang ta c\u00f3 th\u1ec3 \u0111\u01b0a v\u00e0o nh\u1eefng s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng, t\u01b0\u01a1ng t\u00e1c nhi\u1ec1u h\u01a1n v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Hi\u1ec7n nay, lu\u1eadt c\u01a1 b\u1ea3n s\u1eed d\u1ee5ng l\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u00e1p cho TCTD trong khi c\u00e1c qu\u1ed1c gia kh\u00e1c kh\u00f4ng \u1ee9ng x\u1eed nh\u01b0 v\u1eady. TCTD s\u1ebd g\u1eafn v\u1edbi vi\u1ec7c l\u00e0m, h\u00e0nh vi l\u1ed1i s\u1ed1ng, ni\u1ec1m tin, r\u1ee7i ro t\u00e0i ch\u00ednh c\u1ea3 v\u0129 m\u00f4 v\u00e0 vi m\u00f4. V\u1ec1 d\u00e0i h\u1ea1n, Vi\u1ec7t Nam c\u1ea7n c\u00f3 m\u1ed9t b\u1ed9 lu\u1eadt b\u1ea3o v\u1ec7 ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh \u0111\u1ec3 thi\u1ebft l\u1eadp m\u1ed9t khung.<\/p>\n

THU TH\u1ee6Y, H\u00c0 MY<\/p>\n

\u2014\u2014\u2014\u2014\u2014<\/p>\n

Nh\u00e2n D\u00e2n (Kinh t\u1ebf) 05-6-2020:<\/em><\/strong><\/p>\n

https:\/\/www.nhandan.com.vn\/baothoinay\/baothoinay-kinhte\/item\/44746902-d\u1ecbnh-v\u1ecb-tai-chinh-tieu-d\u00f9ng.html<\/em><\/p>\n

(170\/1.886)<\/em>","protected":false},"excerpt":{"rendered":"

(ND) – T\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng vay v\u1ed1n mua nh\u00e0 t\u1ea1i h\u1ed9i ch\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. \u1ea2nh: SONG SONG Ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng (TCTD) \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 \u0111\u00fang v\u1ec1 vai tr\u00f2 v\u00e0 l\u1ee3i \u00edch, song nhu c\u1ea7u vay ti\u00eau d\u00f9ng v\u1eabn c\u00f2n qu\u00e1 l\u1edbn, th\u1ec3 hi\u1ec7n qua n\u1ea1n \u201ct\u00edn d\u1ee5ng \u0111en\u201d […]<\/p>\n","protected":false},"author":3,"featured_media":25503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-25502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.566. \u0110\u1ecbnh v\u1ecb t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng - 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\/tieng-viet-2-566-dinh-vi-tai-chinh-tieu-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.566. \u0110\u1ecbnh v\u1ecb t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng[:] - 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