{"id":25578,"date":"2020-06-09T15:00:47","date_gmt":"2020-06-09T08:00:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25578"},"modified":"2022-06-08T15:02:05","modified_gmt":"2022-06-08T08:02:05","slug":"2-573-se-co-app-cho-vay-hop-phap","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-573-se-co-app-cho-vay-hop-phap\/","title":{"rendered":"2.573. S\u1ebd c\u00f3 app cho vay h\u1ee3p ph\u00e1p"},"content":{"rendered":"(PL) – Th\u00ed \u0111i\u1ec3m cho vay qua app nh\u1eb1m h\u1ea1n ch\u1ebf, ng\u0103n ch\u1eb7n ti\u00eau c\u1ef1c v\u00e0 ph\u00e1t huy m\u1eb7t t\u00edch c\u1ef1c c\u1ee7a lo\u1ea1i h\u00ecnh m\u1edbi n\u00e0y.<\/strong><\/p>\n

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Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/a>\u00a0(NHNN) v\u1eeba\u00a0c\u00f4ng b\u1ed1 d\u1ef1 th\u1ea3o<\/a>\u00a0l\u1ea5y\u00a0\u00fd ki\u1ebfn quy \u0111\u1ecbnh<\/a>\u00a0v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. \u0110\u00e1ng ch\u00fa \u00fd, d\u1ef1 th\u1ea3o n\u00eau r\u00f5 s\u1ebd th\u1ef1c hi\u1ec7n gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u00ed \u0111i\u1ec3m nh\u01b0 c\u00f4ng ty fintech\u00a0cung c\u1ea5p d\u1ecbch v\u1ee5<\/a>\u00a0thanh to\u00e1n, t\u00edn d\u1ee5ng, cho vay ngang h\u00e0ng (P2P lending). Th\u1eddi gian th\u1eed nghi\u1ec7m c\u00e1c gi\u1ea3i ph\u00e1p n\u00e0y k\u00e9o d\u00e0i 1-2 n\u0103m.<\/p>\n

\u0110\u00e2y l\u00e0 lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 tr\u00ean n\u1ec1n t\u1ea3ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111\u1ec3 k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp ng\u01b0\u1eddi \u0111i vay v\u1edbi ng\u01b0\u1eddi cho vay m\u00e0 kh\u00f4ng th\u00f4ng qua trung gian t\u00e0i ch\u00ednh nh\u01b0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Ki\u1ec3m so\u00e1t cho vay ngang h\u00e0ng \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro<\/strong><\/p>\n

\u0110\u1ea1i di\u1ec7n NHNN gi\u1ea3i th\u00edch vi\u1ec7c x\u00e2y d\u1ef1ng v\u00e0 ban h\u00e0nh c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3\u00a0ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng<\/a>\u00a0fintech nh\u1eb1m t\u1ea1o l\u1eadp m\u00f4i tr\u01b0\u1eddng th\u1eed nghi\u1ec7m c\u00e1c d\u1ecbch v\u1ee5; \u0111\u1ed3ng th\u1eddi h\u1ea1n ch\u1ebf r\u1ee7i ro x\u1ea3y ra cho kh\u00e1ch h\u00e0ng khi tham gia s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 fintech ch\u01b0a \u0111\u01b0\u1ee3c cho ph\u00e9p ch\u00ednh th\u1ee9c.<\/p>\n

Nhi\u1ec1u \u00fd ki\u1ebfn \u0111\u00e1nh gi\u00e1 cao ch\u1ee7 tr\u01b0\u01a1ng n\u00e0y b\u1edfi vi\u1ec7c cho vay ngang h\u00e0ng, vay qua app \u0111ang ho\u1ea1t \u0111\u1ed9ng r\u1ea7m r\u1ed9 nh\u01b0ng ch\u1ee9a \u0111\u1ef1ng r\u1ea5t nhi\u1ec1u r\u1ee7i ro do thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd. M\u1eb7t kh\u00e1c, ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng n\u1ebfu \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u1ed1t s\u1ebd g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ea1i c\u00e1c \u0111\u1ecba b\u00e0n m\u00e0 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ch\u01b0a ph\u00e1t tri\u1ec3n.<\/p>\n

TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, nh\u00ecn nh\u1eadn \u0111\u1ed1i v\u1edbi c\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng th\u1eed nghi\u1ec7m th\u00ec b\u1ea3n d\u1ef1 th\u1ea3o n\u00e0y \u0111\u00e3 kh\u00e1 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 c\u1ea7n thi\u1ebft trong b\u1ed1i c\u1ea3nh c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng, vay qua app th\u1eddi gian qua bi\u1ebfn t\u01b0\u1edbng v\u1edbi \u0111\u1ee7 chi\u00eau tr\u00f2, g\u00e2y b\u1ea5t \u1ed5n cho x\u00e3 h\u1ed9i. Tuy nhi\u00ean, li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u00e1p d\u1ee5ng th\u1eddi gian th\u1eed nghi\u1ec7m th\u00ec ch\u1ec9 n\u00ean d\u1eebng l\u1ea1i \u1edf m\u1ee9c m\u1ed9t n\u0103m l\u00e0 \u0111\u1ee7 ch\u1ee9 kh\u00f4ng n\u00ean k\u00e9o d\u00e0i c\u00f3 th\u1ec3 \u0111\u1ebfn hai n\u0103m nh\u01b0 d\u1ef1 th\u1ea3o.<\/p>\n

L\u00fd do l\u00e0 sau th\u1eed nghi\u1ec7m m\u1ed9t n\u0103m \u0111\u00e3 c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u01b0\u1ee3c m\u1eb7t n\u00e0o \u0111\u01b0\u1ee3c, m\u1eb7t n\u00e0o b\u1ea5t \u1ed5n \u0111\u1ec3 \u0111\u01b0a ra quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt ch\u00ednh th\u1ee9c ng\u1eb1m qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng. \u201cVi\u1ec7c k\u00e9o d\u00e0i th\u00eam th\u1eddi gian th\u1eed nghi\u1ec7m c\u00e0ng l\u00e2u c\u00e0ng khi\u1ebfn cho h\u00ecnh th\u1ee9c cho vay tr\u00e1 h\u00ecnh, l\u1eeba \u0111\u1ea3o… c\u00f3 c\u01a1 h\u1ed9i g\u00e2y thi\u1ec7t h\u1ea1i n\u1eb7ng n\u1ec1 h\u01a1n cho ng\u01b0\u1eddi d\u00e2n\u201d – TS Hi\u1ebfu n\u00eau quan \u0111i\u1ec3m.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong cho vay ngang h\u00e0ng, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu \u0111\u1ec1 xu\u1ea5t: NHNN c\u00f3 th\u1ec3 xem x\u00e9t b\u1ed5 sung th\u00eam quy \u0111\u1ecbnh cho ph\u00e9p c\u00e1c c\u00f4ng ty tham gia ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng \u0111\u01b0\u1ee3c truy c\u1eadp th\u00f4ng tin t\u00edn d\u1ee5ng t\u1eeb c\u1ed5ng th\u00f4ng tin k\u1ebft n\u1ed1i kh\u00e1ch h\u00e0ng vay c\u1ee7a Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia Vi\u1ec7t Nam (CIC) thu\u1ed9c NHNN. Khi \u0111\u01b0\u1ee3c truy v\u1ea5n th\u00f4ng tin kh\u00e1ch h\u00e0ng tr\u00ean h\u1ec7 th\u1ed1ng n\u00e0y, c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c cho vay ngang h\u00e0ng s\u1ebd bi\u1ebft ng\u01b0\u1eddi vay c\u00f3 b\u1ecb n\u1ee3 x\u1ea5u hay kh\u00f4ng.<\/p>\n

Nh\u1edd \u0111\u00f3, quy\u1ec1n l\u1ee3i an to\u00e0n v\u1ed1n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m t\u1ed1t h\u01a1n v\u00e0 \u0111\u1ed3ng th\u1eddi gi\u00fap ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn k\u00eanh t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c thay v\u00ec ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng \u0111en.<\/p>\n

C\u00f4ng an TP.HCM m\u1edbi \u0111\u00e2y kh\u00e1m x\u00e9t tr\u1ee5 s\u1edf C\u00f4ng ty Cashwagon cho vay qua app v\u1edbi l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1.600 %\/n\u0103m (\u1ea3nh l\u1edbn). \u00a0\u0110\u1ec3 \u0111\u00f2i n\u1ee3, nh\u1eefng app cho vay \u0111\u0103ng th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 t\u1ea1o \u00e1p l\u1ef1c (\u1ea3nh nh\u1ecf). \u1ea2nh: T\u1ef0 SANG<\/em><\/p>\n

C\u1ea7n th\u00eam c\u00f4ng c\u1ee5 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00e2n, nh\u00e0 \u0111\u1ea7u t\u01b0<\/strong><\/p>\n

D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t\u00a0c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh<\/a>\u00a0trong l\u0129nh ng\u00e2n h\u00e0ng c\u1ee7a NHNN \u0111\u01b0a ra r\u1ea5t nhi\u1ec1u ti\u00eau ch\u00ed. V\u00ed d\u1ee5 m\u1ed9t app cho vay ngang h\u00e0ng mu\u1ed1n \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m b\u1eaft bu\u1ed9c kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ec1m \u1ea9n r\u1ee7i ro g\u00e2y b\u1ea5t \u1ed5n \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng.<\/p>\n

B\u00ecnh lu\u1eadn v\u1ec1 ti\u00eau ch\u00ed n\u00e0y, chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh \u201cch\u1eafc ch\u1eafn s\u1ebd kh\u00f4ng c\u00f3 app cho vay ngang h\u00e0ng n\u00e0o t\u00ecm ra \u0111\u01b0\u1ee3c gi\u1ea3i ph\u00e1p kh\u00f4ng ti\u1ec1m \u1ea9n r\u1ee7i ro\u201d. Do v\u1eady, n\u1ebfu NHNN \u0111\u1eb7t ra ti\u00eau ch\u00ed n\u00e0y th\u00ec c\u00e1c c\u00f4ng ty cho vay ngang h\u00e0ng kh\u00f4ng th\u1ec3 ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c.<\/p>\n

\u201cCh\u1ec9 c\u00f3 th\u1ec3 \u0111\u01b0a ra ti\u00eau ch\u00ed \u0111\u1ec3 c\u00e1c c\u00f4ng ty fintech ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c cho vay ngang h\u00e0ng ph\u1ea3i qu\u1ea3n l\u00fd, ki\u1ec3m so\u00e1t r\u1ee7i ro \u1edf m\u1ee9c h\u1ee3p l\u00fd m\u00e0 th\u00f4i ch\u1ee9 kh\u00f4ng th\u1ec3 b\u1eaft tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng c\u00f3 r\u1ee7i ro\u201d – \u00f4ng Hi\u1ebfu n\u00f3i.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c th\u00ec \u01b0\u1edbc t\u00ednh hi\u1ec7n c\u00f3 kho\u1ea3ng 50% \u1ee9ng d\u1ee5ng cho vay qua \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c k\u1ebft n\u1ed1i ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay theo h\u00ecnh th\u1ee9c cho vay qua app c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb Trung Qu\u1ed1c. V\u00ec v\u1eady, c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc c\u1ea7n nhanh ch\u00f3ng ban h\u00e0nh khung ph\u00e1p l\u00fd th\u00ed \u0111i\u1ec3m cho c\u00e1c m\u00f4 h\u00ecnh d\u1ecbch v\u1ee5 m\u1edbi n\u00e0y ch\u1ee9 kh\u00f4ng n\u00ean k\u00e9o d\u00e0i, tr\u00e1nh \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u1edf ngo\u00e0i v\u00f2ng ph\u00e1p lu\u1eadt l\u00e2u. Khung ph\u00e1p l\u00fd s\u1ebd t\u1ea1o c\u01a1 h\u1ed9i c\u00f4ng b\u1eb1ng cho c\u00e1c c\u00f4ng ty \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn l\u1eabn tham gia cung \u1ee9ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh qua app.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, nhi\u1ec1u chuy\u00ean gia nh\u00ecn nh\u1eadn hi\u1ec7n nay c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft h\u1ebft t\u1ea5t c\u1ea3 nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi c\u1ea7n vay ti\u1ec1n g\u1ea5p trong th\u1eddi gian ng\u1eafn. V\u00ec v\u1eady, NHNN c\u1ea7n c\u00f3 th\u00eam c\u00e1c c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh mang t\u00ednh linh ho\u1ea1t, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u kho\u1ea3n vay nh\u1ecf t\u1eeb v\u00e0i \u0111\u1ebfn v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng. C\u00f3 nh\u01b0 v\u1eady m\u1edbi c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ea5p b\u00e1ch, b\u1ee9c thi\u1ebft c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 gi\u1ea3m \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng \u0111en ho\u00e0nh h\u00e0nh.<\/p>\n

Trong khi ch\u1edd c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd, \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro cho b\u1ea3n th\u00e2n, \u00f4ng Tr\u1ea7n \u0110\u1ea1i D\u01b0\u01a1ng, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh C\u00f4ng ty c\u1ed5 ph\u1ea7n Interloan – m\u1ed9t startup trong l\u0129nh v\u1ef1c fintech l\u01b0u \u00fd: Trong b\u1ed1i c\u1ea3nh nhi\u1ec1u app cho vay bi\u1ebfn t\u01b0\u1edbng \u0111ang l\u1ed9ng h\u00e0nh th\u00ec c\u00e1ch d\u1ec5 d\u00e0ng nh\u1ea5t \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n ph\u00e2n bi\u1ec7t gi\u1eefa app \u201cma\u201d v\u00e0 app \u201cx\u1ecbn\u201d \u0111\u00f3 l\u00e0 ng\u01b0\u1eddi vay h\u00e3y y\u00eau c\u1ea7u app cho vay c\u00f4ng khai, minh b\u1ea1ch t\u1ed5ng s\u1ed1 ti\u1ec1n c\u1ea7n ph\u1ea3i n\u1ed9p l\u00e0 bao nhi\u00eau. Xem t\u1ed5ng chi ph\u00ed c\u00f3 \u0111\u00fang nh\u01b0 l\u00e3i su\u1ea5t m\u00e0 h\u1ecd c\u00f4ng b\u1ed1 kh\u00f4ng l\u00e0 bi\u1ebft ngay c\u00e1ch l\u00e0m \u0103n c\u1ee7a nh\u1eefng app cho vay n\u00e0y ra sao.<\/p>\n

Hi\u1ec7n l\u00e3i vay c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng \u0111ang dao \u0111\u1ed9ng trong kho\u1ea3ng 10%-13,5%\/n\u0103m, vay t\u00edn ch\u1ea5p kho\u1ea3ng 15%-30%\/n\u0103m. Song c\u00f3 nh\u1eefng app cho vay ngang h\u00e0ng qu\u1ea3ng c\u00e1o m\u1ee9c l\u00e3i su\u1ea5t ch\u1ec9 t\u1eeb 20%\/n\u0103m. Tho\u1ea1t nghe, ng\u01b0\u1eddi vay c\u00f3 c\u1ea3m gi\u00e1c nh\u01b0 m\u1ee9c l\u00e3i su\u1ea5t cho vay qua app qu\u00e1 h\u1ea5p d\u1eabn, th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng c\u1ee7a ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

\u201cTr\u00ean th\u1ef1c t\u1ebf, m\u1ed9t s\u1ed1 app \u201cma\u201d ch\u1ec9 \u0111\u01b0a ra l\u00e3i su\u1ea5t t\u01b0\u1ee3ng tr\u01b0ng, c\u00f2n m\u1ee9c l\u00e3i su\u1ea5t \u1ea9n danh s\u1ebd n\u1eb1m trong c\u00e1c kho\u1ea3n nh\u01b0 ph\u00ed d\u1ecbch v\u1ee5, l\u00e3i ph\u1ea1t cao. Do \u0111\u00f3, khi c\u1ed9ng d\u1ed3n c\u00e1c kho\u1ea3n n\u00e0y th\u00ec l\u00e3i vay th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 s\u1ebd v\u1ecdt t\u1edbi m\u1ea5y tr\u0103m ph\u1ea7n tr\u0103m l\u00e0 chuy\u1ec7n b\u00ecnh th\u01b0\u1eddng\u201d – \u00f4ng D\u01b0\u01a1ng l\u01b0u \u00fd.<\/p>\n\n\n\n
Ph\u00e1 \u0111\u01b0\u1eddng d\u00e2y vay app l\u00e3i su\u1ea5t si\u00eau kh\u1ee7ng<\/strong><\/p>\n

Ph\u00f2ng C\u1ea3nh s\u00e1t h\u00ecnh s\u1ef1 (PC02) C\u00f4ng an TP.HCM m\u1edbi \u0111\u00e2y \u0111\u00e3 tri\u1ec7t ph\u00e1 \u0111\u01b0\u1eddng d\u00e2y cho vay l\u00e3i n\u1eb7ng th\u00f4ng qua app (\u1ee9ng d\u1ee5ng) do ng\u01b0\u1eddi Trung Qu\u1ed1c c\u1ea7m \u0111\u1ea7u nh\u01b0ng thu\u00ea ng\u01b0\u1eddi \u0111ang \u1edf TP.HCM \u0111\u1ee9ng t\u00ean gi\u1ea5y ph\u00e9p kinh doanh v\u00e0 \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt.<\/p>\n

\u0110\u01b0\u1eddng d\u00e2y n\u00e0y cho vay ti\u1ec1n th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i nh\u01b0 Vaytocdo, Moreloan, VD online\u2026 \u0110\u1ebfn nay, nh\u00f3m ng\u01b0\u1eddi Trung Qu\u1ed1c \u0111\u00e3 cho h\u01a1n 60.000 ng\u01b0\u1eddi \u1edf nhi\u1ec1u \u0111\u1ecba ph\u01b0\u01a1ng vay kho\u1ea3ng 100 t\u1ec9 \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t t\u1eeb h\u01a1n 1.000% \u0111\u1ebfn 2.000%\/n\u0103m.<\/p>\n

Khi kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n, b\u1ed9 ph\u1eadn thu h\u1ed3i n\u1ee3 \u0111e d\u1ecda, ch\u1eedi b\u1edbi, tung \u1ea3nh ng\u01b0\u1eddi vay v\u00e0 c\u1ea3 nh\u1eefng ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8 l\u00ean m\u1ea1ng.<\/p>\n

Ch\u1ee7 t\u1ecbch T\u1eadp \u0111o\u00e0n NextTech Nguy\u1ec5n H\u00f2a B\u00ecnh kh\u1eb3ng \u0111\u1ecbnh: Qua nghi\u00ean c\u1ee9u v\u00e0 theo d\u00f5i cho th\u1ea5y hi\u1ec7n c\u00f3 kho\u1ea3ng 60-70 doanh nghi\u1ec7p cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay c\u1ee7a Trung Qu\u1ed1c \u0111\u00e3 tr\u00e0n sang Vi\u1ec7t Nam sau khi m\u00f4 h\u00ecnh n\u00e0y b\u1ecb si\u1ebft ch\u1eb7t t\u1ea1i Trung Qu\u1ed1c.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

TH\u00d9Y LINH<\/strong><\/p>\n

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

Ph\u00e1p lu\u1eadt TP HCM (Kinh t\u1ebf) 09-6-2020:<\/em><\/strong><\/p>\n

https:\/\/plo.vn\/kinh-te\/quan-ly\/se-co-app-cho-vay-hop-phap-917424.html<\/em><\/a><\/p>\n

(110\/1.479)<\/em>","protected":false},"excerpt":{"rendered":"

(PL) – Th\u00ed \u0111i\u1ec3m cho vay qua app nh\u1eb1m h\u1ea1n ch\u1ebf, ng\u0103n ch\u1eb7n ti\u00eau c\u1ef1c v\u00e0 ph\u00e1t huy m\u1eb7t t\u00edch c\u1ef1c c\u1ee7a lo\u1ea1i h\u00ecnh m\u1edbi n\u00e0y. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0(NHNN) v\u1eeba\u00a0c\u00f4ng b\u1ed1 d\u1ef1 th\u1ea3o\u00a0l\u1ea5y\u00a0\u00fd ki\u1ebfn quy \u0111\u1ecbnh\u00a0v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) trong l\u0129nh v\u1ef1c ng\u00e2n […]<\/p>\n","protected":false},"author":3,"featured_media":25579,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-25578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.573. 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