{"id":25637,"date":"2020-06-12T15:27:31","date_gmt":"2020-06-12T08:27:31","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25637"},"modified":"2022-06-08T15:29:29","modified_gmt":"2022-06-08T08:29:29","slug":"2-584-tranh-bay-lai-suat-cat-co-khi-vay-von-qua-app","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-584-tranh-bay-lai-suat-cat-co-khi-vay-von-qua-app\/","title":{"rendered":"2.584. Tr\u00e1nh b\u1eaby l\u00e3i su\u1ea5t ”c\u1eaft c\u1ed5” khi vay v\u1ed1n qua app"},"content":{"rendered":"(HNM) – Th\u1eddi gian v\u1eeba qua, h\u00ecnh th\u1ee9c \u201ct\u00edn d\u1ee5ng \u0111en\u201d n\u00fap b\u00f3ng vay qua app (\u1ee9ng d\u1ee5ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh) \u201cb\u00f9ng n\u1ed5\u201d, v\u1edbi nh\u1eefng qu\u1ea3ng c\u00e1o kh\u00e1 \u201cng\u1ecdt\u201d: Vay v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, h\u1ed7 tr\u1ee3 trong v\u00f2ng 24 gi\u1edd\u2026 Th\u1ebf nh\u01b0ng, \u0111\u1eb1ng sau nh\u1eefng l\u1eddi qu\u1ea3ng c\u00e1o \u0111\u00f3, l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho c\u00e1c h\u00ecnh th\u1ee9c vay n\u00e0y c\u00f3 th\u1ec3 l\u00ean t\u1edbi v\u00e0i tr\u0103m ph\u1ea7n tr\u0103m.\u00a0<\/strong><\/p>\n

\"\"<\/p>\n

Ch\u1ecb Nguy\u1ec5n B\u00ecnh An (ph\u1ed1 V\u0103n Mi\u1ebfu, qu\u1eadn \u0110\u1ed1ng \u0110a, H\u00e0 N\u1ed9i) cho bi\u1ebft, \u0111\u1ea7u th\u00e1ng 5-2020, ch\u1ecb \u0111\u0103ng k\u00fd vay tr\u00ean app kho\u1ea3n ti\u1ec1n l\u00e0 3 tri\u1ec7u \u0111\u1ed3ng trong m\u1ed9t tu\u1ea7n. Nh\u01b0ng ngay khi ho\u00e0n th\u00e0nh th\u1ee7 t\u1ee5c vay, s\u1ed1 ti\u1ec1n ch\u1ecb nh\u1eadn \u0111\u01b0\u1ee3c ch\u1ec9 c\u00f2n 1,8 tri\u1ec7u \u0111\u1ed3ng, v\u1edbi l\u00fd do c\u00f4ng ty cho vay qua app tr\u1eeb ph\u00ed c\u1ee7a ng\u01b0\u1eddi vay. S\u1ed1 ti\u1ec1n ch\u1ecb ph\u1ea3i tr\u1ea3 v\u1eabn l\u00e0 3 tri\u1ec7u \u0111\u1ed3ng sau 7 ng\u00e0y.<\/p>\n

H\u00ecnh th\u1ee9c \u201ct\u00edn d\u1ee5ng \u0111en\u201d n\u00fap b\u00f3ng vay qua \u1ee9ng d\u1ee5ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh \u201cb\u00f9ng n\u1ed5\u201d.<\/p>\n

\u0110\u1ebfn h\u1ea1n tr\u1ea3 n\u1ee3, do ch\u01b0a c\u00f3 \u0111\u1ee7 ti\u1ec1n, ch\u1ecb An vay ti\u1ebfp t\u1eeb m\u1ed9t app kh\u00e1c v\u1edbi m\u1ee9c vay l\u00e0 4 tri\u1ec7u \u0111\u1ed3ng, nh\u01b0ng t\u1ed5 ch\u1ee9c n\u00e0y y\u00eau c\u1ea7u ch\u1ecb tr\u1ea3 g\u1ea7n 6 tri\u1ec7u \u0111\u1ed3ng cho kho\u1ea3ng 10 ng\u00e0y. Qu\u00e1 10 ng\u00e0y, ch\u1ecb An ch\u01b0a xoay \u0111\u1ee7 ti\u1ec1n tr\u1ea3 n\u00ean li\u00ean t\u1ee5c nh\u1eadn \u0111\u01b0\u1ee3c tin nh\u1eafn \u0111e d\u1ecda.<\/p>\n

C\u0169ng r\u01a1i v\u00e0o t\u00ecnh c\u1ea3nh nh\u01b0 ch\u1ecb An, anh Nguy\u1ec5n V\u0103n D\u0169ng (qu\u00ea Ph\u00fa Th\u1ecd;\u00a0hi\u1ec7n l\u00e0m nh\u00e2n vi\u00ean pha ch\u1ebf \u0111\u1ed3 u\u1ed1ng tr\u00ean ph\u1ed1 T\u00f4 Ng\u1ecdc V\u00e2n, qu\u1eadn T\u00e2y H\u1ed3, H\u00e0 N\u1ed9i) cho bi\u1ebft, v\u00ec ph\u1ea3i tr\u1ea3 ti\u1ec1n thu\u00ea nh\u00e0 sau th\u1eddi k\u1ef3 x\u1ea3y ra d\u1ecbch Covid-19, anh \u0111\u00e3 vay ti\u1ec1n qua app, v\u1edbi th\u00f4ng tin l\u00e3i su\u1ea5t kho\u1ea3ng 20%\/n\u0103m. Song th\u1ef1c t\u1ebf, sau khi nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n vay g\u1eedi v\u00e0o t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n, anh D\u0169ng \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 200%\/n\u0103m. \u201cVay qua app nh\u01b0 m\u1ed9t ma tr\u1eadn. M\u1eb7c d\u00f9 t\u00ecm hi\u1ec3u th\u00f4ng tin t\u1eeb kh\u00e1 nhi\u1ec1u app cho vay, t\u00f4i v\u1eabn b\u1ecb l\u1eeba\u201d, anh D\u0169ng than th\u1edf.<\/p>\n

Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c app cho vay hi\u1ec7n ch\u01b0a c\u00f3 s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng, n\u00ean ch\u1ec9 c\u1ea7n b\u1ecf kho\u1ea3ng v\u00e0i tr\u0103m ngh\u00ecn \u0111\u1ed3ng m\u1ed7i th\u00e1ng l\u00e0 c\u00f3 th\u1ec3 s\u1edf h\u1eefu m\u1ed9t app. Ch\u1ec9 c\u1ea7n g\u00f5 t\u1eeb kh\u00f3a \u201ccho vay\u201d tr\u00ean app, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 t\u00ecm \u0111\u01b0\u1ee3c h\u00e0ng ch\u1ee5c app c\u00f3 n\u1ed9i dung n\u00e0y.<\/p>\n

Sau khi t\u1ea3i v\u1ec1, ng\u01b0\u1eddi vay d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn th\u00f4ng tin qu\u1ea3ng c\u00e1o l\u00e3i su\u1ea5t ch\u1ec9 20%\/n\u0103m, th\u1eadm ch\u00ed th\u1ea5p h\u01a1n, v\u1edbi th\u1ee7 t\u1ee5c vay \u0111\u01a1n gi\u1ea3n:\u00a0Ch\u1ec9 c\u1ea7n ch\u1ee9ng minh th\u01b0, th\u1ebb c\u0103n c\u01b0\u1edbc\u2026 M\u1eb7c d\u00f9 c\u00f3 kh\u00f4ng \u00edt app \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp b\u1edfi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u1edbi n\u1ed9i dung kh\u00e1 minh b\u1ea1ch, nh\u01b0ng ph\u1ea7n l\u1edbn app \u0111\u01b0\u1ee3c \u0111i\u1ec1u h\u00e0nh b\u1edfi nh\u1eefng t\u1ed5 ch\u1ee9c “x\u00e3 h\u1ed9i \u0111en”, ho\u1eb7c c\u00e1c c\u00f4ng ty n\u01b0\u1edbc ngo\u00e0i n\u00fap b\u00f3ng\u00a0d\u01b0\u1edbi t\u00ean c\u00e1 nh\u00e2n ng\u01b0\u1eddi Vi\u1ec7t Nam.<\/p>\n

Do th\u1ee7 t\u1ee5c d\u1ec5 d\u00e0ng v\u00e0 \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n trong th\u1eddi gian ng\u1eafn, kh\u00f4ng \u00edt ng\u01b0\u1eddi \u0111\u00e3 t\u00ecm \u0111\u1ebfn vay v\u1ed1n qua c\u00e1c app, \u0111\u1ec3 sau \u0111\u00f3 m\u1edbi bi\u1ebft th\u1ef1c t\u1ebf l\u00e3i su\u1ea5t v\u00e0 ph\u00ed cho vay ph\u1ea3i tr\u1ea3 qu\u00e1 cao, c\u00f3 th\u1ec3 \u0111\u1ea9y ng\u01b0\u1eddi vay r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3.<\/p>\n

Hi\u1ec7n nay, kh\u00e1 nhi\u1ec1u doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i v\u00e0o th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam kinh doanh cho vay ti\u1ec1n online. \u0110\u1eb7c \u0111i\u1ec3m chung r\u1ea5t \u0111\u00e1ng lo ng\u1ea1i l\u00e0 c\u00e1c doanh nghi\u1ec7p n\u00e0y kh\u00f4ng h\u1ec1 c\u00f3 ho\u1ea1t \u0111\u1ed9ng k\u00eau g\u1ecdi ng\u01b0\u1eddi cho vay, m\u00e0 ch\u1ec9 qu\u1ea3ng b\u00e1 k\u00eau g\u1ecdi ng\u01b0\u1eddi vay. L\u00e3i su\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y th\u01b0\u1eddng r\u1ea5t cao.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>, 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 c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb n\u01b0\u1edbc ngo\u00e0i, trong khi\u00a0lo\u1ea1i h\u00ecnh kinh doanh m\u1edbi n\u00e0y ch\u01b0a c\u00f3 quy \u0111\u1ecbnh qu\u1ea3n l\u00fd c\u1ee5 th\u1ec3. \u0110\u00e2y c\u0169ng l\u00e0 l\u00fd do khi\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d n\u00fap b\u00f3ng, cho vay l\u00e3i su\u1ea5t c\u1eaft c\u1ed5.<\/p>\n

\u201cV\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 m\u00f4 h\u00ecnh d\u1ecbch v\u1ee5 m\u1edbi n\u00e0y. M\u1eb7t kh\u00e1c, 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, tham gia cung \u1ee9ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh qua app m\u1ed9t c\u00e1ch minh b\u1ea1ch, b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u201d, lu\u1eadt s\u01b0\u00a0\u0110\u1ee9c n\u00f3i.<\/p>\n

\u0110\u1ec3 qu\u1ea3n l\u00fd, \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay qua app, m\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 c\u00f4ng b\u1ed1 d\u1ef1 th\u1ea3o l\u1ea5y \u00fd ki\u1ebfn quy \u0111\u1ecbnh v\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. Theo d\u1ef1 th\u1ea3o, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc s\u1ebd gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u00ed \u0111i\u1ec3m nh\u01b0 c\u00f4ng ty fintech cung c\u1ea5p d\u1ecbch v\u1ee5 thanh 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

Theo Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Nguy\u1ec5n Th\u1ecb H\u1ed3ng, ho\u1ea1t \u0111\u1ed9ng cho vay c\u00f4ng ngh\u1ec7 m\u1edbi\u00a0c\u00f3 \u0111i\u1ec3m thu\u1eadn l\u1ee3i l\u00e0 gi\u1ea3i ng\u00e2n nhanh, nh\u01b0ng c\u0169ng c\u00f3 m\u1eb7t ti\u00eau c\u1ef1c,\u00a0c\u00f3 th\u1ec3 g\u00e2y ra h\u1ec7 l\u1ee5y\u00a0cho ng\u01b0\u1eddi tham gia do ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t. Vi\u1ec7c x\u00e2y d\u1ef1ng v\u00e0 ban h\u00e0nh c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m n\u00f3i tr\u00ean c\u0169ng ch\u00ednh l\u00e0 nh\u1eb1m\u00a0h\u1ea1n ch\u1ebf r\u1ee7i ro x\u1ea3y ra cho kh\u00e1ch h\u00e0ng.<\/p>\n

Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1, d\u1ef1 th\u1ea3o 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. Sau th\u1eddi gian th\u1eed nghi\u1ec7m, c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1eb7t \u0111\u01b0\u1ee3c, m\u1eb7t ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ec3 \u0111\u01b0a ra quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt ch\u00ednh th\u1ee9c nh\u1eb1m qu\u1ea3n l\u00fd c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay c\u00f4ng ngh\u1ec7 m\u1edbi.<\/p>\n

H\u00c0 LINH<\/a>dientu@hanoimoi.com.vn<\/a><\/p>\n

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

H\u00e0 N\u1ed9i m\u1edbi (Kinh t\u1ebf) 12-6-2020:<\/em><\/strong><\/p>\n

http:\/\/hanoimoi.com.vn\/tin-tuc\/Kinh-te\/969916\/tranh-bay-lai-suat-cat-co-khi-vay-von-qua-app<\/em><\/a><\/p>\n

(147\/1.013)<\/em>","protected":false},"excerpt":{"rendered":"

(HNM) – Th\u1eddi gian v\u1eeba qua, h\u00ecnh th\u1ee9c \u201ct\u00edn d\u1ee5ng \u0111en\u201d n\u00fap b\u00f3ng vay qua app (\u1ee9ng d\u1ee5ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh) \u201cb\u00f9ng n\u1ed5\u201d, v\u1edbi nh\u1eefng qu\u1ea3ng c\u00e1o kh\u00e1 \u201cng\u1ecdt\u201d: Vay v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, h\u1ed7 tr\u1ee3 trong v\u00f2ng 24 gi\u1edd\u2026 Th\u1ebf nh\u01b0ng, \u0111\u1eb1ng sau nh\u1eefng l\u1eddi qu\u1ea3ng c\u00e1o […]<\/p>\n","protected":false},"author":3,"featured_media":25642,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-25637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.584. Tr\u00e1nh b\u1eaby l\u00e3i su\u1ea5t ''c\u1eaft c\u1ed5'' khi vay v\u1ed1n qua app - 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\/2-584-tranh-bay-lai-suat-cat-co-khi-vay-von-qua-app\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.584. 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