{"id":25882,"date":"2018-08-23T19:27:22","date_gmt":"2018-08-23T12:27:22","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=25882"},"modified":"2022-06-09T09:37:14","modified_gmt":"2022-06-09T02:37:14","slug":"1-966-bi-to-rui-ro-cao-cong-ty-p2p-len-tieng","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-966-bi-to-rui-ro-cao-cong-ty-p2p-len-tieng\/","title":{"rendered":"1.966. B\u1ecb t\u1ed1 r\u1ee7i ro cao, c\u00f4ng ty P2P l\u00ean ti\u1ebfng"},"content":{"rendered":"(\u0110T) – Cho vay v\u1edbi l\u00e3i su\u1ea5t cao ngang ng\u1eeda t\u00edn d\u1ee5ng \u0111en, ng\u01b0\u1eddi vay v\u1ee1 n\u1ee3 hay ch\u1ee7 s\u00e0n \u00f4m ti\u1ec1n b\u1ecf tr\u1ed1n\u2026 \u0110\u00f3 l\u00e0 nh\u1eefng nguy c\u01a1 c\u1ee7a m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (P2P) \u1edf n\u01b0\u1edbc ta \u0111ang b\u1ecb gi\u1edbi chuy\u00ean gia c\u1ea3nh b\u00e1o. V\u1eady trong m\u1eaft c\u00e1c doanh nghi\u1ec7p P2P, h\u00ecnh th\u1ee9c n\u00e0y li\u1ec7u c\u00f3 \u0111\u00e1ng lo?<\/strong><\/p>\n

Trong b\u1ed1i c\u1ea3nh ph\u1ea7n l\u1edbn d\u00e2n s\u1ed1 ch\u01b0a th\u1ec3 ti\u00eap c\u1eadn \u0111\u01b0\u1ee3c k\u00eanh t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c, th\u00ec P2P l\u00e0 c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh l\u00fd t\u01b0\u1edfng gi\u00fap nhi\u1ec1u kh\u00e1ch h\u00e0ng \u201cd\u01b0\u1edbi chu\u1ea9n\u201d c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn v\u1ed1n<\/p>\n

\"\"<\/p>\n

Nhu c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng l\u00e0 c\u00f3 th\u1ef1c<\/strong><\/p>\n

M\u1edbi xu\u1ea5t hi\u1ec7n hai n\u0103m, song m\u00f4 h\u00ecnh P2P, m\u1ed9t d\u1ea1ng\u00a0kinh t\u1ebf\u00a0chia s\u1ebb nh\u01b0 Uber, Grab – k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp ng\u01b0\u1eddi c\u00f3 v\u1ed1n v\u00e0 ng\u01b0\u1eddi c\u1ea7n vay v\u1ed1n \u0111ang ph\u00e1t tri\u1ec3n kh\u00e1 m\u1ea1nh \u1edf Vi\u1ec7t Nam, ch\u1ee9ng t\u1ecf nhu c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng l\u00e0 r\u1ea5t l\u1edbn.<\/p>\n

Theo \u00f4ng Tr\u1ea7n Th\u1ebf V\u0129nh, T\u1ed5ng gi\u00e1m \u0111\u1ed1c CTCP T\u1eadp \u0111o\u00e0n Tima (S\u00e0n vay m\u01b0\u1ee3n Tima), trung b\u00ecnh m\u1ed7i ng\u00e0y, c\u00f4ng ty n\u00e0y x\u1eed l\u00fd 10.000 \u0111\u01a1n vay m\u01b0\u1ee3n. \u0110\u1ebfn nay, Tima \u0111\u00e3 cho kho\u1ea3ng 1,6 tri\u1ec7u ng\u01b0\u1eddi vay l\u00e0 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 k\u1ebft n\u1ed1i tr\u00ean 32.000 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\u00d4ng Nguy\u1ec5n Vi\u1ec7t H\u01b0ng, Ch\u1ee7 t\u1ecbch H\u0110QT, ki\u00eam Gi\u00e1m \u0111\u1ed1c Lendbiz \u2013 m\u1ed9t c\u00f4ng ty P2P nh\u1eafm t\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng\u00a0doanh nghi\u1ec7p\u00a0nh\u1ecf v\u00e0 v\u1eeba\u00a0 – c\u0169ng cho bi\u1ebft, sau g\u1ea7n 1 n\u0103m ho\u1ea1t \u0111\u1ed9ng, Lendbiz nh\u1eadn th\u1ea5y th\u1ecb tr\u01b0\u1eddng nhi\u1ec1u ti\u1ec1m n\u0103ng b\u1edfi s\u1ed1 l\u01b0\u1ee3ng doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u1ea7n v\u1ed1n v\u00e0 kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay\u00a0ng\u00e2n h\u00e0ng\u00a0l\u00e0 r\u1ea5t l\u1edbn.<\/p>\n

Theo \u00f4ng, sau khi \u0111\u01b0\u1ee3c Lendbiz th\u1ea9m \u0111\u1ecbnh v\u00e0 \u0111\u01b0\u1ee3c c\u00e1c nh\u00e0\u00a0\u0111\u1ea7u t\u01b0\u00a0h\u1ed7 tr\u1ee3 ngu\u1ed3n v\u1ed1n, c\u00e1c doanh nghi\u1ec7p \u0111\u1ec1u m\u1edf r\u1ed9ng kinh doanh, tr\u1ea3 n\u1ee3 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 \u0111\u00fang h\u1ea1n; nhi\u1ec1u doanh nghi\u1ec7p sau khi tr\u1ea3 h\u1ebft n\u1ee3 \u0111\u00e3 ti\u1ebfp t\u1ee5c t\u00e1i huy \u0111\u1ed9ng. V\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 (b\u00ean cho vay), nhu c\u1ea7u \u0111\u1ea7u t\u01b0 l\u00e0 r\u1ea5t l\u1edbn v\u00e0 \u0111\u1ec1u c\u00f3 chung mong mu\u1ed1n l\u00e0 t\u0103ng th\u00eam thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng m\u1ed9t c\u00e1ch an to\u00e0n.<\/p>\n

Gi\u1edbi chuy\u00ean gia \u01b0\u1edbc t\u00ednh, d\u00f9 ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt th\u1eeba nh\u1eadn v\u00e0 \u0111ang ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi \u201cv\u1ecf\u201d l\u00e0 t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0, song c\u00e1c c\u00f4ng ty P2P \u0111\u00e3 thu h\u00fat \u0111\u01b0\u1ee3c h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi vay v\u00e0 g\u1eedi ti\u1ec1n. T\u1ed5ng doanh s\u1ed1 cho vay theo h\u00ecnh th\u1ee9c P2P t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n l\u00ean t\u1edbi c\u1ea3 tr\u0103m ng\u00e0n t\u1ef7 \u0111\u1ed3ng. M\u1ed9t s\u1ed1 c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng theo m\u00f4 h\u00ecnh P2P ti\u00eau bi\u1ec3u l\u00e0 Huydong, Tima, Vaymuon, SHA, Lendbiz\u2026<\/p>\n

Trong b\u1ed1i c\u1ea3nh ph\u1ea7n l\u1edbn d\u00e2n s\u1ed1 ch\u01b0a th\u1ec3 ti\u00eap c\u1eadn \u0111\u01b0\u1ee3c k\u00eanh t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c, th\u00ec P2P l\u00e0 c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh l\u00fd t\u01b0\u1edfng gi\u00fap nhi\u1ec1u kh\u00e1ch h\u00e0ng \u201cd\u01b0\u1edbi chu\u1ea9n\u201d, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn v\u1ed1n. Tuy nhi\u00ean, sau khi h\u01a1n 100 s\u00e0n P2P \u1edf Trung Qu\u1ed1c \u0111\u1ed5 v\u1ee1, h\u00e0ng lo\u1ea1t chuy\u00ean gia \u0111\u00e3 c\u1ea3nh b\u00e1o v\u1ec1 m\u00f4 h\u00ecnh n\u00e0y \u1edf Vi\u1ec7t Nam.<\/p>\n

Bi\u1ebfn t\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111en v\u00e0 nguy c\u01a1 ti\u1ec1n b\u1ed1c h\u01a1i?<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI nh\u1eadn \u0111\u1ecbnh, v\u1edbi m\u00f4 h\u00ecnh P2P, ng\u01b0\u1eddi cho vay kh\u00f4ng bi\u1ebft \u0111\u00e3 cho ai vay, n\u1ebfu b\u00ean vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec vi\u1ec7c khi\u1ebfu ki\u1ec7n c\u0169ng r\u1ea5t kh\u00f3 kh\u0103n do ph\u00eda c\u00f4ng ty P2P ch\u1ec9 l\u00e0 trung gian t\u01b0 v\u1ea5n, kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 kho\u1ea3n vay. Trong khi \u0111\u00f3, ph\u00eda b\u00ean \u0111i vay c\u0169ng ch\u1ecbu r\u1ee7i ro l\u00e3i su\u1ea5t cao, th\u1eadm ch\u00ed c\u00f3 tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty P2P ho\u1ea1t \u0111\u1ed9ng nh\u01b0 t\u00edn d\u1ee5ng \u0111en tr\u00e1 h\u00ecnh, cho vay v\u1edbi l\u00e3i su\u1ea5t tr\u00ean 100%\/n\u0103m.<\/em><\/p>\n

Tuy v\u1eady, nhi\u1ec1u chuy\u00ean gia c\u0169ng cho r\u1eb1ng, P2P l\u00e0 m\u1ed9t s\u00e1ng t\u1ea1o c\u1ee7a n\u1ec1n kinh t\u1ebf s\u1ed1, song thay v\u00ec c\u1ea5m \u0111o\u00e1n v\u00e0 lo ng\u1ea1i r\u1ee7i ro, c\u1ea7n ph\u1ea3i c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 qu\u1ea3n l\u00fd.<\/p>\n

V\u1ec1 ph\u00eda nh\u00e0 \u0111\u1ea7u t\u01b0, khi tham gia cho vay theo h\u00ecnh th\u1ee9c P2P c\u0169ng ph\u1ea3i x\u00e1c \u0111\u1ecbnh, \u0111\u00e2y l\u00e0 m\u1ed9t k\u00eanh \u0111\u1ea7u t\u01b0, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 k\u00eanh g\u1eedi ti\u1ec1n. T\u01b0\u01a1ng t\u1ef1, b\u00ean \u0111i vay c\u0169ng ph\u1ea3i \u0111\u1ecdc k\u1ef9 \u0111i\u1ec1u kho\u1ea3n v\u1ec1 l\u00e3i su\u1ea5t vay, n\u1ebfu kh\u00f4ng mu\u1ed1n s\u1eadp b\u1eaby t\u00edn \u0111\u1ee5ng \u0111en. Tr\u00ean th\u1ef1c t\u1ebf, s\u1ef1 bi\u1ebfn t\u01b0\u1edbng c\u1ee7a c\u00e1c m\u00f4 h\u00ecnh P2P \u1edf Vi\u1ec7t Nam ch\u01b0a c\u00f3 d\u1ea5u hi\u1ec7u r\u00f5 r\u00e0ng.<\/p>\n

V\u1ec1 ph\u00eda ng\u01b0\u1eddi trong cu\u1ed9c, \u00f4ng H\u01b0ng th\u1eeba nh\u1eadn, d\u00f9 P2P l\u00e0 k\u00eanh h\u1eefu hi\u1ec7u \u0111\u1ec3 kh\u01a1i th\u00f4ng ngu\u1ed3n v\u1ed1n cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba, song c\u00f4ng c\u1ee5 n\u00e0y s\u1ebd ch\u1ec9 t\u1ed1t khi \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o tay nh\u1eefng ng\u01b0\u1eddi \u201ct\u1ed1t\u201d. R\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y ra n\u1ebfu m\u1ed9t c\u00f4ng ty P2P kh\u00f4ng c\u00f3 \u0111\u1ee7 n\u0103ng l\u1ef1c \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh ng\u01b0\u1eddi vay ho\u1eb7c s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u00fang m\u1ee5c \u0111\u00edch.<\/p>\n

N\u00f3i v\u1ec1 nguy c\u01a1 \u0111\u1ed5 v\u1ee1 h\u00e0ng lo\u1ea1t c\u1ee7a m\u00f4 h\u00ecnh P2P nh\u01b0 \u0111ang x\u1ea3y ra t\u1ea1i Trung Qu\u1ed1c, \u00f4ng H\u01b0ng cho r\u1eb1ng, quy m\u00f4 th\u1ecb tr\u01b0\u1eddng P2P \u1edf Trung Qu\u1ed1c \u0111\u00e3 l\u00ean t\u1edbi 187 t\u1ef7 USD v\u00e0 tr\u1edf th\u00e0nh k\u00eanh d\u1eabn v\u1ed1n h\u1eefu hi\u1ec7u v\u1edbi n\u1ec1n kinh t\u1ebf n\u01b0\u1edbc n\u00e0y. Di\u1ec5n bi\u1ebfn g\u1ea7n \u0111\u00e2y t\u1ea1i th\u1ecb tr\u01b0\u1eddng P2P Trung Qu\u1ed1c l\u00e0 kh\u1ee7ng ho\u1ea3ng t\u1ea1m th\u1eddi, l\u00e0 b\u1ed9 l\u1ecdc t\u1ea5t y\u1ebfu \u0111\u1ec3 lo\u1ea1i b\u1ecf nh\u1eefng doanh nghi\u1ec7p kh\u00f4ng kinh doanh nghi\u00eam t\u00fac v\u00e0 t\u1ea1o c\u01a1 h\u1ed9i cho nh\u1eefng doanh nghi\u1ec7p uy t\u00edn.<\/p>\n

\u201cT\u00ecnh tr\u1ea1ng kh\u1ee7ng ho\u1ea3ng t\u01b0\u01a1ng t\u1ef1 \u1edf Trung Qu\u1ed1c c\u00f3 x\u1ea3y ra t\u1ea1i Vi\u1ec7t Nam kh\u00f4ng l\u00e0 kh\u00f3 d\u1ef1 \u0111o\u00e1n. Song ch\u1eafc ch\u1eafn, Ch\u00ednh ph\u1ee7 v\u00e0 c\u00e1c doanh nghi\u1ec7p P2P t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh \u0111\u1ec3 r\u00fat ra kinh nghi\u1ec7m cho m\u00ecnh\u201d, \u00f4ng H\u01b0ng n\u00f3i.<\/p>\n

C\u1ea7n s\u1edbm \u0111\u01b0a ra \u0111i\u1ec1u ki\u1ec7n kinh doanh<\/strong><\/p>\n

Theo TS. C\u1ea5n V\u0103n L\u1ef1c, kh\u00f4ng n\u00ean v\u00e0 c\u0169ng kh\u00f4ng th\u1ec3 c\u1ea5m h\u00ecnh th\u1ee9c P2P, v\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m t\u1ea5t y\u1ebfu c\u1ee7a n\u1ec1n kinh t\u1ebf s\u1ed1, nh\u01b0ng c\u1ea7n c\u00f3 bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd \u0111\u1ec3 tr\u00e1nh h\u00ecnh th\u1ee9c n\u00e0y bi\u1ebfn t\u01b0\u1edbng theo ki\u1ec3u t\u00edn d\u1ee5ng \u0111en, \u0111a c\u1ea5p tr\u00e1 h\u00ecnh\u2026<\/p>\n

Gi\u1edbi chuy\u00ean gia th\u00ec cho r\u1eb1ng, m\u00f4 h\u00ecnh P2P \u1edf Trung Qu\u1ed1c s\u1ee5p \u0111\u1ed5 v\u00ec ph\u00e1t tri\u1ec3n qu\u00e1 n\u00f3ng, bi\u1ebfn t\u01b0\u1edbng theo h\u00ecnh th\u1ee9c \u0111a c\u1ea5p, t\u00edn d\u1ee5ng \u0111en qu\u00e1 nhi\u1ec1u d\u1eabn \u0111\u1ebfn kh\u00f3 ki\u1ec3m so\u00e1t.<\/p>\n

\u1ede n\u01b0\u1edbc ta, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, do th\u1ecb ph\u1ea7n c\u00f2n nh\u1ecf, n\u00ean m\u00f4 h\u00ecnh P2P ch\u01b0a t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, ti\u1ec1n t\u1ec7. Th\u1ebf nh\u01b0ng, khi th\u1ecb tr\u01b0\u1eddng n\u00e0y ph\u00ecnh to, n\u1ebfu \u0111\u1ed5 v\u1ee1 x\u1ea3y ra, n\u1ec1n t\u00e0i ch\u00ednh – ti\u1ec1n t\u1ec7 qu\u1ed1c gia s\u1ebd b\u1ecb \u1ea3nh h\u01b0\u1edfng. Do \u0111\u00f3, lu\u1eadt s\u01b0 \u0110\u1ee9c ki\u1ebfn ngh\u1ecb, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) c\u1ea7n c\u00f4ng nh\u1eadn, song c\u0169ng ph\u1ea3i quy \u0111\u1ecbnh \u0111\u00e2y l\u00e0 l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng\u00a0kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n.<\/em><\/p>\n

\u201cC\u00f4ng ty P2P ch\u1ec9 l\u00e0 trung gian gi\u1eefa t\u01b0 v\u1ea5n, m\u00f4i gi\u1edbi, song c\u0169ng \u0111\u00f3ng vai tr\u00f2 na n\u00e1 nh\u01b0 nh\u00e0 b\u0103ng. V\u00ec v\u1eady, c\u1ea7n ph\u1ea3i quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng v\u00e0 tr\u00e1ch nhi\u1ec7m c\u00e1c b\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, an to\u00e0n\u201d, \u00f4ng \u0110\u1ee9c ki\u1ebfn ngh\u1ecb.<\/em><\/p>\n

Nhi\u1ec1u chuy\u00ean gia c\u0169ng ki\u1ebfn ngh\u1ecb, m\u00f4 h\u00ecnh P2P kh\u00f4ng ch\u1ec9 c\u00f3 r\u1ee7i ro, m\u00e0 c\u00f3 \u00fd ngh\u0129a r\u1ea5t l\u1edbn \u0111\u1ed1i v\u1edbi t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n \u1edf n\u01b0\u1edbc ta. V\u00ec v\u1eady, kh\u00f4ng n\u00ean v\u00ec lo l\u1eafng r\u1ee7i ro m\u00e0 c\u1ea5m \u0111o\u00e1n, thay v\u00e0o \u0111\u00f3 ph\u1ea3i c\u00f3 khung kh\u1ed5 ph\u00e1p l\u00fd r\u00f5 r\u00e0ng.<\/p>\n

Tr\u1ea3 l\u1eddi v\u1ea5n \u0111\u1ec1 n\u00e0y, \u0111\u1ea1i di\u1ec7n V\u1ee5 Thanh to\u00e1n (NHNN) th\u1eeba nh\u1eadn, s\u1ef1 ra \u0111\u1eddi c\u1ee7a m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng, g\u1ecdi v\u1ed1n c\u1ed9ng \u0111\u1ed3ng tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111ang \u0111\u00f2i h\u1ecfi c\u01a1 quan qu\u1ea3n l\u00fd ph\u1ea3i ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh qu\u1ea3n l\u00fd. Hi\u1ec7n t\u1ea1i, NHNN \u0111ang nghi\u00ean c\u1ee9u \u0111\u1ec3 ban h\u00e0nh khung kh\u1ed5 ph\u00e1p l\u00fd th\u1eed nghi\u1ec7m cho c\u00e1c fintech, trong \u0111\u00f3 c\u00f3 m\u00f4 h\u00ecnh P2P.<\/p>\n

D\u01b0\u1edbi g\u00f3c \u0111\u1ed9 m\u1ed9t doanh nghi\u1ec7p, \u00f4ng H\u01b0ng k\u1ef3 v\u1ecdng, c\u01a1 quan qu\u1ea3n l\u00fd s\u1edbm x\u00e2y d\u1ef1ng khung kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 ho\u1ea1t \u0111\u1ed9ng P2P, t\u1eeb \u0111\u00f3 gi\u00fap x\u00e3 h\u1ed9i hi\u1ec3u r\u00f5 h\u01a1n ho\u1ea1t \u0111\u1ed9ng n\u00e0y, t\u1ea1o thu\u1eadn l\u1ee3i cho c\u00e1c doanh nghi\u1ec7p P2P c\u00f3 \u0111i\u1ec1u ki\u1ec7n ph\u00e1t tri\u1ec3n m\u1ea1nh h\u01a1n.<\/p>\n

Th\u00f9y Li\u00ean<\/strong><\/p>\n

—————————————–<\/p>\n

\u0110\u1ea7u t\u01b0 (T\u00e0i ch\u00ednh) 23-8-2018:<\/em><\/strong><\/p>\n

http:\/\/vietnamfinance.vn\/bi-to-rui-ro-cao-cong-ty-p2p-len-tieng-20180504224211979.htm<\/em><\/a><\/p>\n

(231\/1.363)<\/em>","protected":false},"excerpt":{"rendered":"

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