{"id":25700,"date":"2019-12-04T16:00:36","date_gmt":"2019-12-04T09:00:36","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25700"},"modified":"2022-06-09T21:40:13","modified_gmt":"2022-06-09T14:40:13","slug":"2-381-siet-hoat-dong-cho-vay-tieu-dung-the-tin-dung-vi-dien-tu-de-tranh-bien-tuong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-381-siet-hoat-dong-cho-vay-tieu-dung-the-tin-dung-vi-dien-tu-de-tranh-bien-tuong\/","title":{"rendered":"2.381. &#8220;Si\u1ebft&#8221; ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ec3 tr\u00e1nh bi\u1ebfn t\u01b0\u1edbng"},"content":{"rendered":"<strong>(ANTD) &#8211; Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra h\u00e0ng lo\u1ea1t quy \u0111\u1ecbnh m\u1edbi theo h\u01b0\u1edbng si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed. S\u1edf d\u0129 c\u00f3 \u0111\u1ed9ng th\u00e1i n\u00e0y v\u00ec v\u1edbi th\u1ef1c tr\u1ea1ng ho\u1ea1t \u0111\u1ed9ng d\u1ec5 d\u00e3i nh\u01b0 hi\u1ec7n nay, vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed \u0111ang c\u00f3 nguy c\u01a1 bi\u1ebfn t\u01b0\u1edbng th\u00e0nh k\u00eanh cho vay v\u1ed1n, vay ti\u00eau d\u00f9ng&#8230;<\/strong><\/p>\n<p><strong>Cho vay d\u1ec5 d\u00e3i, ti\u1ec1m \u1ea9n r\u1ee7i ro<\/strong><\/p>\n<p>Vay ti\u00eau d\u00f9ng l\u00e0 nh\u1eefng kho\u1ea3n vay nh\u1ecf ph\u1ee5c v\u1ee5 m\u1ee5c ti\u00eau ti\u00eau d\u00f9ng cho c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh. C\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay ho\u1eb7c gi\u1ea3i ng\u00e2n qua b\u00ean th\u1ee5 h\u01b0\u1edfng (b\u00ean cung c\u1ea5p h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5).<\/p>\n<p>\u0110\u00e1ng n\u00f3i, hi\u1ec7n nay \u1edf Vi\u1ec7t Nam, t\u1ef7 l\u1ec7 gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp \u0111ang r\u1ea5t cao. \u0110\u1eb7c bi\u1ec7t, v\u1edbi c\u00e1c &#8220;t\u00e2n binh&#8221; t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, xu h\u01b0\u1edbng cho vay ti\u1ec1n m\u1eb7t v\u1eabn \u0111ang l\u00e0 ch\u1ee7 \u0111\u1ea1o, v\u1edbi t\u1ef7 l\u1ec7 l\u00ean t\u1edbi x\u1ea5p x\u1ec9 90% t\u1ed5ng d\u01b0 n\u1ee3. Nguy\u00ean nh\u00e2n l\u00e0 do th\u1ecb ph\u1ea7n cho vay gi\u1ea3i ng\u00e2n qua b\u00ean th\u1ee5 h\u01b0\u1edfng (nh\u01b0 c\u00e1c \u0111i\u1ec3m b\u00e1n h\u00e0ng \u0111i\u1ec7n t\u1eed, \u0111i\u1ec7n m\u00e1y, xe m\u00e1y, \u00f4 t\u00f4&#8230;) \u0111\u00e3 b\u1ecb c\u00e1c &#8220;\u00f4ng l\u1edbn&#8221; nhanh ch\u00e2n chi\u1ebfm ch\u1ed7 g\u1ea7n h\u1ebft.<\/p>\n<p>Kh\u00f4ng ch\u1ec9 gi\u1ea3i ng\u00e2n ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp, v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f2n ch\u1ea1y \u0111ua ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u1ea9y m\u1ea1nh cho vay qua th\u1ebb. Vi\u1ec7c cho vay d\u1ec5 d\u00e0ng khi\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh ti\u1ec1m \u1ea9n nguy c\u01a1 n\u1ee3 x\u1ea5u, v\u00e0 \u0111i k\u00e8m v\u1edbi \u0111\u00f3 l\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u00f2i n\u1ee3 ki\u1ec3u &#8220;x\u00e3 h\u1ed9i \u0111en&#8221; g\u00e2y m\u1ea5t \u1ed5n \u0111\u1ecbnh, an to\u00e0n x\u00e3 h\u1ed9i.<\/p>\n<p>Ngay c\u1ea3 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, v\u1edbi ch\u00ednh s\u00e1ch mi\u1ec5n l\u00e3i 45 &#8211; 55 ng\u00e0y, th\u1ebb t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng c\u0169ng b\u1ecb l\u1ee3i d\u1ee5ng nh\u01b0 m\u1ed9t k\u00eanh vay v\u1ed1n ng\u1eafn h\u1ea1n. Theo \u0111\u00f3, kh\u00e1ch h\u00e0ng c\u1ea5u k\u1ebft v\u1edbi c\u00e1c \u0111i\u1ec3m ch\u1ea5p nh\u1eadn th\u1ebb qu\u1eb9t th\u1ebb &#8220;kh\u1ed1ng&#8221; \u0111\u1ec3 r\u00fat ti\u1ec1n m\u1eb7t, d\u1ecbch v\u1ee5 r\u00fat ti\u1ec1n m\u1eb7t qua th\u1ebb, \u0111\u00e1o h\u1ea1n th\u1ebb t\u00edn d\u1ee5ng nhan nh\u1ea3n kh\u1eafp n\u01a1i.<\/p>\n<p><a class=\"photo\" href=\"https:\/\/photo-cms-anninhthudo.zadn.vn\/Uploaded\/2022\/116\/2019_12_04\/vay_tieu_dung.jpg\" data-desc=\"&quot;Si\u1ebft&quot; ho\u1ea1t \u0111\u1ed9ng th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ec3 tr\u00e1nh bi\u1ebfn t\u01b0\u1edbng\" data-index=\"0\"><img loading=\"lazy\" decoding=\"async\" class=\"center-img cms-photo\" src=\"https:\/\/photo-cms-anninhthudo.zadn.vn\/w660\/Uploaded\/2022\/116\/2019_12_04\/vay_tieu_dung.jpg\" alt=\"&quot;Si\u1ebft&quot; ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ec3 tr\u00e1nh bi\u1ebfn t\u01b0\u1edbng \u1ea3nh 1\" width=\"702\" height=\"367\" data-photo-original-src=\"https:\/\/photo-cms-anninhthudo.zadn.vn\/Uploaded\/2022\/116\/2019_12_04\/vay_tieu_dung.jpg\" \/><\/a><\/p>\n<p><em>Ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng b\u00f9ng n\u1ed5 trong th\u1eddi gian g\u1ea7n \u0111\u00e2y<\/em><\/p>\n<p>C\u00f2n v\u1edbi v\u00ed \u0111i\u1ec7n t\u1eed, th\u1eddi gian g\u1ea7n \u0111\u00e2y, \u0111\u00e3 xu\u1ea5t hi\u1ec7n m\u1ed9t s\u1ed1 v\u00ed \u0111i\u1ec7n t\u1eed ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p, song l\u1ea1i r\u1ea7m r\u1ed9 huy \u0111\u1ed9ng v\u1ed1n tr\u1ea3 l\u00e3i su\u1ea5t cao (nh\u01b0 Payasean)&#8230;<\/p>\n<p><strong>Qu\u1ea3n ch\u1eb7t \u0111\u1ec3 tr\u00e1nh bi\u1ebfn t\u01b0\u1edbng<\/strong><\/p>\n<p>V\u1edbi th\u1ef1c t\u1ebf ti\u1ec1m \u1ea9n r\u1ee7i ro nh\u01b0 v\u1eady, m\u1edbi \u0111\u00e2y Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHN) \u0111\u00e3 ban h\u00e0nh h\u00e0ng lo\u1ea1t quy \u0111\u1ecbnh \u0111\u1ec3 si\u1ebft ch\u1eb7t c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed.<\/p>\n<p>C\u1ee5 th\u1ec3, trong Th\u00f4ng t\u01b0 18\/2019\/TT-NHNN \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh v\u1eeba ban h\u00e0nh, NHNN \u0111\u00e3 y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh gi\u1ea3m t\u1ef7 l\u1ec7 cho vay ti\u1ec1n m\u1eb7t tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng xu\u1ed1ng 70% k\u1ec3 t\u1eeb \u0111\u1ea7u n\u0103m 2021 v\u00e0 k\u00e9o gi\u1ea3m d\u1ea7n xu\u1ed1ng 30% t\u1eeb \u0111\u1ea7u n\u0103m 2024. C\u00e1c c\u00f4ng ty n\u00e0y c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay kh\u00e1ch h\u00e0ng \u0111ang c\u00f3 n\u1ee3 x\u1ea5u v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f2i n\u1ee3 ki\u1ec3u \u0111e d\u1ecda kh\u00e1ch h\u00e0ng.<\/p>\n<p>NHNN gi\u1ea3i th\u00edch, th\u1ef1c tr\u1ea1ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh khi gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch vay th\u01b0\u1eddng r\u1ee7i ro cao v\u00e0 kh\u00f3 ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay. V\u00ec v\u1eady, t\u00e1ch b\u1ea1ch r\u00f5 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n th\u00f4ng qua b\u00ean th\u1ee5 h\u01b0\u1edfng v\u00e0 cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay nh\u1eb1m t\u1ea1o c\u01a1 s\u1edf ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/p>\n<p>TS \u0110\u1ed7 Ho\u00e0i Linh, Vi\u1ec7n Ng\u00e2n h\u00e0ng T\u00e0i ch\u00ednh (\u0110H Kinh t\u1ebf qu\u1ed1c d\u00e2n) cho r\u1eb1ng, quy \u0111\u1ecbnh n\u00e0y l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft, do ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp \u0111ang ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro. Th\u1eadm ch\u00ed, t\u1eeb nguy\u00ean nh\u00e2n cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh t\u1ea1i m\u1ed9t s\u1ed1 qu\u1ed1c gia ch\u00e2u \u00c1 th\u1ebf k\u1ef7 tr\u01b0\u1edbc cho th\u1ea5y, n\u1ebfu kh\u00f4ng c\u00f3 s\u1ef1 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay c\u1ee7a cho vay ti\u00eau d\u00f9ng t\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh, d\u00f2ng v\u1ed1n n\u00e0y s\u1ebd ch\u1ea3y v\u00e0o ch\u1ee9ng kho\u00e1n v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, g\u00e2y bong b\u00f3ng gi\u00e1.<\/p>\n<p>Th\u1eadm ch\u00ed, v\u1ed1n c\u00f3 th\u1ec3 ch\u1ea3y v\u00e0o nh\u1eefng l\u0129nh v\u1ef1c kinh doanh m\u00e0 ph\u00e1p lu\u1eadt c\u1ea5m; ho\u1eb7c ng\u01b0\u1eddi vay kh\u00f4ng d\u00f9ng d\u00f2ng v\u1ed1n cho chi ti\u00eau ti\u00eau d\u00f9ng m\u00e0 &#8220;n\u01b0\u1edbng&#8221; v\u00e0o l\u00f4 \u0111\u1ec1, b\u00e0i b\u1ea1c, nghi\u1ec7n h\u00fat\u2026<\/p>\n<p>Do v\u1eady, m\u1ee5c ti\u00eau c\u1ee7a NHNN khi ban h\u00e0nh quy \u0111\u1ecbnh tr\u00ean l\u00e0 h\u01b0\u1edbng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n theo chi\u1ec1u s\u00e2u, an to\u00e0n v\u00e0 b\u1ec1n v\u1eefng h\u01a1n.<\/p>\n<p>Ngo\u00e0i ra, NHNN c\u0169ng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng \u0111\u00f2i n\u1ee3 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh nh\u01b0 c\u1ea5m bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng; s\u1ed1 l\u1ea7n nh\u1eafc n\u1ee3 t\u1ed1i \u0111a 5 l\u1ea7n\/ng\u00e0y, ph\u1ea3i trong kho\u1ea3ng th\u1eddi gian t\u1eeb 7 \u0111\u1ebfn 21 gi\u1edd.<\/p>\n<p>C\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, g\u1eedi th\u00f4ng tin v\u1ec1 vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho c\u00f4ng ty t\u00e0i ch\u00ednh, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt&#8230;<\/p>\n<p>V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt <span style=\"color: #713817;\">ANVI<\/span> cho r\u1eb1ng, quy \u0111\u1ecbnh m\u1edbi l\u00e0 c\u1ea7n thi\u1ebft nh\u01b0ng vi\u1ec7c th\u1ef1c thi nh\u01b0 th\u1ebf n\u00e0o kh\u00f4ng ph\u1ea3i ri\u00eang NHNN m\u00e0 ph\u1ea3i c\u00f3 s\u1ef1 v\u00e0o cu\u1ed9c c\u1ee7a ch\u00ednh quy\u1ec1n, l\u1ef1c l\u01b0\u1ee3ng ch\u1ee9c n\u0103ng v\u00e0 ng\u01b0\u1eddi d\u00e2n\u2026 &#8220;\u0110\u00e2y l\u00e0 b\u00e0i to\u00e1n kh\u00f3 trong th\u1ef1c thi ph\u00e1p lu\u1eadt &#8211; v\u1ea5n \u0111\u1ec1 m\u00e0 Vi\u1ec7t Nam lu\u00f4n ph\u1ea3i \u0111\u1ed1i m\u1eb7t&#8221; &#8211; v\u1ecb lu\u1eadt s\u01b0 \u0111\u00e1nh gi\u00e1.<\/p>\n<p>V\u1edbi v\u00ed \u0111i\u1ec7n t\u1eed, trong Th\u00f4ng t\u01b0 23\/2019\/TT-NHNN m\u1edbi ban h\u00e0nh (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 7\/1\/2020), NHNN nghi\u00eam c\u1ea5m vi\u1ec7c s\u1eed d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch cho c\u00e1c m\u1ee5c \u0111\u00edch r\u1eeda ti\u1ec1n, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1, l\u1eeba \u0111\u1ea3o, gian l\u1eadn. NHNN c\u0169ng nghi\u00eam c\u1ea5m vi\u1ec7c thu\u00ea, cho thu\u00ea, m\u01b0\u1ee3n, cho m\u01b0\u1ee3n v\u00ed \u0111i\u1ec7n t\u1eed ho\u1eb7c mua, b\u00e1n th\u00f4ng tin v\u00ed \u0111i\u1ec7n t\u1eed.<\/p>\n<p>Ngo\u00e0i ra, c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng v\u00ed \u0111i\u1ec7n t\u1eed c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng ho\u1eb7c cho vay qua v\u00ed. Vi\u1ec7c n\u1ea1p ti\u1ec1n v\u00e0o v\u00ed \u0111i\u1ec7n t\u1eed ph\u1ea3i qua t\u00e0i kho\u1ea3n thanh to\u00e1n, th\u1ebb ghi n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng ho\u1eb7c nh\u1eadn ti\u1ec1n t\u1eeb v\u00ed \u0111i\u1ec7n t\u1eed kh\u00e1c do c\u00f9ng t\u1ed5 ch\u1ee9c cung c\u1ee9ng.<\/p>\n<p>Ngo\u00e0i ra, li\u00ean quan qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng th\u1ebb, NHNN \u0111ang x\u00e2y d\u1ef1ng D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u t\u1ea1i Th\u00f4ng t\u01b0 19\/2016 \/TT-NHNN (quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng). Theo \u0111\u00f3, ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n kho\u1ea3n v\u00e0o t\u00e0i kho\u1ea3n thanh to\u00e1n, th\u1ebb tr\u1ea3 tr\u01b0\u1edbc; c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1eb7c t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ng\u01b0\u1eddi kh\u00e1c th\u1ef1c hi\u1ec7n giao d\u1ecbch gian l\u1eadn, gi\u1ea3 m\u1ea1o; giao d\u1ecbch thanh to\u00e1n kh\u1ed1ng\u2026<\/p>\n<p><strong>\u00a0<span class=\"cms-author\">Linh Nh\u1eadt<\/span><\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>An ninh th\u1ee7 \u0111\u00f4 (Kinh doanh) 4-12-2019:<\/em><\/strong><\/p>\n<p><em>https:\/\/www.anninhthudo.vn\/siet-hoat-dong-cho-vay-tieu-dung-the-tin-dung-vi-dien-tu-de-tranh-bien-tuong-post415374.antd<\/em><\/p>\n<p><em>(80\/1.252)\u00a0<\/em>","protected":false},"excerpt":{"rendered":"<p>(ANTD) &#8211; Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra h\u00e0ng lo\u1ea1t quy \u0111\u1ecbnh m\u1edbi theo h\u01b0\u1edbng si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed. S\u1edf d\u0129 c\u00f3 \u0111\u1ed9ng th\u00e1i n\u00e0y v\u00ec v\u1edbi th\u1ef1c tr\u1ea1ng ho\u1ea1t \u0111\u1ed9ng d\u1ec5 d\u00e3i nh\u01b0 hi\u1ec7n nay, vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":25723,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-25700","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.381. &quot;Si\u1ebft&quot; ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ec3 tr\u00e1nh bi\u1ebfn t\u01b0\u1edbng - 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\/2-381-siet-hoat-dong-cho-vay-tieu-dung-the-tin-dung-vi-dien-tu-de-tranh-bien-tuong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.381. &quot;Si\u1ebft&quot; ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ec3 tr\u00e1nh bi\u1ebfn t\u01b0\u1edbng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANTD) &#8211; Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra h\u00e0ng lo\u1ea1t quy \u0111\u1ecbnh m\u1edbi theo h\u01b0\u1edbng si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, th\u1ebb t\u00edn d\u1ee5ng, v\u00ed \u0111i\u1ec7n t\u1eed. 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