{"id":26121,"date":"2017-07-12T09:34:32","date_gmt":"2017-07-12T02:34:32","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26121"},"modified":"2022-06-19T10:01:32","modified_gmt":"2022-06-19T03:01:32","slug":"1-404-tai-chinh-ban-le-co-hoi-tu-thi-truong-30-trieu-khach-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-404-tai-chinh-ban-le-co-hoi-tu-thi-truong-30-trieu-khach-hang\/","title":{"rendered":"1.404. T\u00e0i ch\u00ednh b\u00e1n l\u1ebb: C\u01a1 h\u1ed9i t\u1eeb th\u1ecb tr\u01b0\u1eddng 30 tri\u1ec7u kh\u00e1ch h\u00e0ng"},"content":{"rendered":"<strong>(\u0110TCK) &#8211; V\u1edbi d\u00e2n s\u1ed1 kho\u1ea3ng 95 tri\u1ec7u d\u00e2n, trong \u0111\u00f3 60-65% trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 60 tri\u1ec7u ng\u01b0\u1eddi, trong \u0111\u00f3 kho\u1ea3ng h\u01a1n 30 tri\u1ec7u ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng, c\u00f3 nhu c\u1ea7u t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. Trong khi 10 n\u0103m qua, ng\u00e0nh t\u00e0i ch\u00ednh b\u00e1n l\u1ebb ch\u1ec9 m\u1edbi ph\u1ee5c v\u1ee5 kho\u1ea3ng 10 tri\u1ec7u kh\u00e1ch. Nh\u01b0 v\u1eady, ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f2n r\u1ea5t l\u1edbn.<\/strong><\/p>\n<p>S\u00e1ng nay (12\/7), B\u00e1o \u0110\u1ea7u t\u01b0, c\u01a1 quan c\u1ee7a B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0, s\u1ebd t\u1ed5 ch\u1ee9c T\u1ecda \u0111\u00e0m v\u1ec1 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1edbi ch\u1ee7 \u0111\u1ec1 \u201cPh\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh b\u00e1n l\u1ebb \u2013 c\u01a1 h\u1ed9i th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng, ph\u1ee5c v\u1ee5 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf\u201d.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-26122 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/4-3-450x299.jpg\" alt=\"\" width=\"450\" height=\"299\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/4-3-450x299.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/4-3.jpg 660w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>\u00d4ng L\u00ea Tr\u1ecdng Minh, T\u1ed5ng Bi\u00ean t\u1eadp B\u00e1o \u0110\u1ea7u t\u01b0 ph\u00e1t bi\u1ec3u khai m\u1ea1c bu\u1ed5i T\u1ecda \u0111\u00e0m<\/em><\/p>\n<p>Trong ph\u1ea7n tr\u00ecnh b\u00e0y tham lu\u1eadn, c\u00e1c chuy\u00ean gia, di\u1ec5n gi\u1ea3 \u0111\u00e3 cung c\u1ea5p nh\u1eefng s\u1ed1 li\u1ec7u, hi\u1ec7n tr\u1ea1ng, c\u0169ng nh\u01b0 khung ph\u00e1p l\u00fd li\u00ean quan t\u1edbi th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh b\u00e1n l\u1ebb Vi\u1ec7t Nam.<\/p>\n<p>Nhi\u1ec1u \u00fd ki\u1ebfn \u0111\u00e1nh gi\u00e1 vai tr\u00f2 l\u1edbn c\u1ee7a t\u00e0i ch\u00ednh b\u00e1n l\u1ebb v\u1edbi \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, nh\u1ea5t l\u00e0 v\u1edbi nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ti\u1ebfp c\u1eadn v\u1ed1n vay ng\u00e2n h\u00e0ng.<\/p>\n<p>V\u1edbi d\u00e2n s\u1ed1 95 tri\u1ec7u d\u00e2n, nhi\u1ec1u \u00fd ki\u1ebfn \u0111\u00e1nh gi\u00e1 c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh b\u00e1n l\u1ebb Vi\u1ec7t Nam v\u1eabn r\u1ea5t m\u1ea1nh, v\u1edbi \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng 2 con s\u1ed1 m\u1ed7i n\u0103m trong v\u00f2ng \u00edt nh\u1ea5t 5 n\u0103m t\u1edbi.<\/p>\n<p>Sau 3 ti\u1ebfng \u0111\u1ed3ng h\u1ed3, c\u00e1c chuy\u00ean gia, di\u1ec5n gi\u1ea3 \u0111\u00e3 cung c\u1ea5p nhi\u1ec1u th\u00f4ng tin, s\u1ed1 li\u1ec7u v\u1ec1 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh b\u00e1n l\u1ebb Vi\u1ec7t Nam. \u00a0Nh\u1eefng th\u00f4ng tin, s\u1ed1 li\u1ec7u n\u00e0y gi\u00fap c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, ng\u01b0\u1eddi ti\u00eau d\u00f9ng, doanh nghi\u1ec7p hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n<p>Ngo\u00e0i ra, c\u00e1c s\u1ed1 li\u1ec7u \u0111\u01b0a ra c\u0169ng cho th\u1ea5y ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh b\u00e1n l\u1ebb Vi\u1ec7t Nam c\u00f2n r\u1ea5t l\u1edbn.<\/p>\n<p><strong><em>N\u1ed9i dung chi ti\u1ebft:<\/em><\/strong><\/p>\n<ul>\n<li>11:49 ng\u00e0y 12\/07\/2017<\/li>\n<\/ul>\n<p>Trao \u0111\u1ed5i th\u00eam t\u1ea1i T\u1ecda \u0111\u00e0m,\u00a0<strong>TS. C\u1ea5n V\u0103n L\u1ef1c<\/strong>\u00a0cho r\u1eb1ng, ch\u00fang ta ph\u1ea3i tr\u1ea3 gi\u00e1 nhi\u1ec1u v\u1ec1 c\u00e2u chuy\u1ec7n tr\u1ea7n l\u00e3i su\u1ea5t, t\u1eeb n\u0103m 1993 \u0111\u1ebfn gi\u1edd v\u1ec1 c\u01a1 b\u1ea3n kh\u00f4ng \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t, c\u00e1c n\u01b0\u1edbc \u0111\u00e3 ph\u00e1t tri\u1ec3n nh\u01b0 Nh\u1eadt v\u00e0 M\u1ef9 kh\u00f4ng b\u00e1o gi\u1edd \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t v\u00ec \u0111\u00f3 l\u00e0 phi th\u1ecb tr\u01b0\u1eddng, k\u00ecm h\u00e3m t\u00edn d\u1ee5ng. Khi \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t th\u00ec ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng mu\u1ed1n cho vay, r\u1ea5t r\u1ee7i ro m\u00e0 l\u00e3i su\u1ea5t tr\u1ea7n ch\u1ec9 20-30% th\u00ec ai mu\u1ed1n cho vay.<\/p>\n<ol>\n<li><em><strong> C\u1ea5n V\u0103n L\u1ef1c<\/strong><\/em><\/li>\n<\/ol>\n<p>NHNN v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd nh\u1eefng g\u00ec th\u00e1i qu\u00e1, v\u00ed d\u1ee5 payday t\u1ea1m \u1ee9ng v\u00ec \u0111\u00f3 l\u00e0 h\u00e0nh vi t\u00edn d\u1ee5ng \u0111en tr\u00e1 h\u00ecnh. H\u00ecnh th\u1ee9c c\u1ee7a ng\u01b0\u1eddi th\u1eeba ti\u1ec1n v\u00e0 thi\u1ebfu ti\u1ec1n nh\u01b0 Uber v\u00e0 Grab, Bitcoin v\u1ec1 l\u00e2u v\u1ec1 d\u00e0i s\u1ebd t\u1ed3n t\u1ea1i \u1edf Vi\u1ec7t Nam, \u0111\u00f3 l\u00e0 xu th\u1ebf t\u1ea5t y\u1ebfu. \u0110\u00f3 l\u00e0 s\u00e1ng t\u1ea1o t\u00e0i ch\u00ednh, t\u00e0i ch\u00ednh s\u1ed1, ng\u00e2n h\u00e0ng s\u1ed1. C\u00e1c n\u01b0\u1edbc kh\u00f4ng d\u1ea1i g\u00ec m\u00e0 c\u1ea5m \u0111o\u00e1n, nh\u01b0ng ki\u1ec3m so\u00e1t nh\u01b0 th\u1ebf n\u00e0o m\u00e0 th\u00f4i.<\/p>\n<p>L\u1eddi khuy\u00ean v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng sau nhi\u1ec1u v\u1ee5 vi\u1ec7c x\u1ea3y ra th\u1eddi gian qua:\u00a0<em>Th\u1ee9 nh\u1ea5t<\/em>, kh\u00f4ng n\u00ean t\u00f9y \u00fd t\u00f9y ti\u1ec7n cho b\u1ea1n b\u00e8 ng\u01b0\u1eddi th\u00e2n m\u01b0\u1ee3n gi\u1ea5y t\u1edd t\u00f9y th\u00e2n, k\u00ed thay h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. \u0110\u00e2y l\u00e0 sai l\u1ea7m, \u1edf n\u00f4ng th\u00f4n, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p k\u00ed thay m\u00e0 kh\u00f4ng bi\u1ebft m\u00ecnh k\u00fd thay.\u00a0<em>Th\u1ee9 hai<\/em>, \u0111\u1ecdc k\u0129 nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111i\u1ec1u kho\u1ea3n, thanh to\u00e1n, l\u00e3i su\u1ea5t, thanh to\u00e1n.<\/p>\n<p><em>Th\u1ee9 ba<\/em>, kh\u00f4ng n\u00ean quan ng\u1ea1i khi ti\u1ebfp x\u00fac ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 vay v\u00ec t\u00e2m l\u00fd \u0111\u00f3 l\u00e0 th\u1ee7 t\u1ee5c c\u1ef1c k\u00ec ph\u1ee9c t\u1ea1p.<\/p>\n<p><em>Th\u1ee9 t\u01b0<\/em>, c\u00e2n nh\u1eafc n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, ng\u01b0\u1eddi ch\u1ec9 c\u00f3 thu nh\u1eadp 10 tri\u1ec7u\/th\u00e1ng m\u00e0 vay \u0111\u1ebfn 100 tri\u1ec7u th\u00ec nguy hi\u1ec3m.<\/p>\n<p><em>Th\u1ee9 n\u0103m,<\/em>\u00a0ph\u1ea3i thanh to\u00e1n vay ti\u00eau d\u00f9ng \u0111\u00fang h\u1ea1n v\u00ec n\u1ebfu kh\u00f4ng \u0111\u00fang h\u1ea1n th\u00ec l\u00e3i su\u1ea5t ph\u1ea1t s\u1ebd r\u1ea5t cao.<\/p>\n<ul>\n<li>11:44 ng\u00e0y 12\/07\/2017<\/li>\n<\/ul>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, \u00f4ng Th\u00e1i cho r\u1eb1ng, c\u00f3 m\u1ed1i quan h\u1ec7 t\u01b0\u01a1ng quan gi\u1eefa ph\u00e1t tri\u1ec3n ti\u00eau d\u00f9ng v\u00e0 kinh t\u1ebf. V\u00ed d\u1ee5 cho vay mua nh\u00e0 \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn ph\u00e1t tri\u1ec3n kinh t\u1ebf, \u0111\u1ebfn ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n&#8230; Nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y c\u1ea7n NHNN v\u00e0 c\u00e1c c\u01a1 quan li\u00ean quan nghi\u00ean c\u1ee9u th\u00eam.<\/p>\n<p><em>\u00a0\u00d4ng L\u00ea Tr\u1ecdng Minh, T\u1ed5ng Bi\u00ean t\u1eadp B\u00e1o \u0110\u1ea7u t\u01b0 \u0111i\u1ec1u h\u00e0nh bu\u1ed5i T\u1ecda \u0111\u00e0m\u00a0<\/em><\/p>\n<p>C\u00f4ng ty cho vay t\u00e0i ch\u00ednh cho vay mua xe m\u00e1y: m\u1ed9t gia \u0111\u00ecnh n\u00f4ng th\u00f4n mua m\u1ed9t c\u00e1i xe m\u00e1y l\u00e0 m\u1ed9t m\u00f3n t\u00e0i ch\u00ednh l\u1edbn, khi mua \u0111\u01b0\u1ee3c xe m\u00e1y l\u00e0 kinh t\u1ebf gia \u0111\u00ecnh \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n, cu\u1ed9c s\u1ed1ng t\u1ed1t h\u01a1n.<\/p>\n<p>V\u1ec1 v\u1ea5n \u0111\u1ec1 c\u1ea1nh tranh tr\u00ean th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng, hi\u1ec7n ch\u01b0a c\u00f3 hi\u1ec7p h\u1ed9i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 ti\u1ebfng n\u00f3i chung. C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u1ea1nh tranh \u0111\u1ec3 kh\u00e1ch h\u00e0ng h\u01b0\u1edfng l\u1ee3i, nh\u01b0ng nh\u1eefng c\u1ea1nh tranh kh\u00f4ng l\u00e0nh m\u1ea1nh c\u1ea7n x\u00f3a b\u1ecf d\u1ea7n, do \u0111o c\u1ea7n c\u00f3 m\u1ed9t hi\u1ec7p h\u1ed9i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ec3 l\u00e0m tr\u1ecdng t\u00e0i cho c\u00e1c v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n<ul>\n<li>11:40 ng\u00e0y 12\/07\/2017<\/li>\n<\/ul>\n<p>Theo\u00a0<strong>\u00f4ng \u0110\u00e0m Th\u1ebf Th\u00e1i, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c HD Saison<\/strong>,\u00a0Vi\u1ec7t Nam v\u1edbi d\u00e2n s\u1ed1 tr\u00ean 93 tri\u1ec7u ng\u01b0\u1eddi, trong \u0111\u00f3 60-65% trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng, kho\u1ea3ng 50-60% l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 thu nh\u1eadp trung b\u00ecnh th\u1ea5p d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng. Nh\u01b0ng, g\u1ea7n 10 n\u0103m qua, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng m\u1edbi ph\u1ee5c v\u1ee5 1\/3-1\/4 t\u1ed5ng l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u. M\u00e0 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 r\u1ed3i kh\u00f4ng ph\u1ea3i ng\u00e0y mai s\u1ebd bi\u1ebfn m\u1ea5t m\u00e0 h\u1ecd s\u1ebd ti\u1ebfp t\u1ee5c quay l\u1ea1i vay ti\u1ebfp.<\/p>\n<p>Cho vay ti\u00eau d\u00f9ng c\u00f3 \u00fd ngh\u0129a r\u1ea5t l\u1edbn \u0111\u1ed1i v\u1edbi s\u1ef1 \u1ed5n \u0111\u1ecbnh x\u00e3 h\u1ed9i. Ch\u1eb3ng h\u1ea1n, \u0111\u00e3 c\u00f3 r\u1ea5t nhi\u1ec1u v\u1ee5 vi\u1ec7c th\u01b0\u01a1ng t\u00e2m khi ng\u01b0\u1eddi d\u00e2n \u0111i vay t\u00edn d\u1ee5ng \u0111en v\u00e0 b\u1ecb x\u00e3 h\u1ed9i \u0111en \u0111\u00e1nh \u0111\u1eadp, g\u00e2y ra c\u1ea3nh tan c\u1eeda n\u00e1t nh\u00e0. S\u1ef1 ra \u0111\u1eddi c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd gi\u00fap ng\u01b0\u1eddi d\u00e2n tho\u00e1t \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng \u0111en.<\/p>\n<p><em>\u00a0\u00d4<strong>ng \u0110\u00e0m Th\u1ebf Th\u00e1i, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c HD Saison<\/strong><\/em><\/p>\n<p>Hi\u1ec7n nay, \u01b0\u1edbc t\u00ednh 60-70% doanh s\u1ed1 b\u00e1n h\u00e0ng t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng \u0111i\u1ec7n m\u00e1y l\u00e0 do c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111em l\u1ea1i.<\/p>\n<p>T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ec9 t\u1eadp trung v\u00e0o \u0111i\u1ec7n tho\u1ea1i, \u0111i\u1ec7n m\u00e1y, xe m\u00e1y, nh\u01b0ng \u0111\u1eddi s\u1ed1ng kh\u00f4ng ch\u1ec9 b\u00f3 g\u1ecdn trong nh\u1eefng s\u1ea3n ph\u1ea9m \u0111\u00f3, c\u1ea7n ti\u1ebfp t\u1ee5c h\u1ed7 tr\u1ee3 \u0111\u1ec3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh m\u1edf r\u1ed9ng ra c\u00e1c s\u1ea3n ph\u1ea9m thi\u1ebft y\u1ebfu v\u1edbi cu\u1ed9c s\u1ed1ng.<\/p>\n<p>Trong th\u1eddi gian qua, HD Saison ti\u1ebfp t\u1ee5c b\u1ed5 sung nhi\u1ec1u hinh th\u1ee9ccho vay \u0111a d\u1ea1ng kh\u00e1c nh\u01b0 cho vay \u0111\u1ec3 l\u00e0m \u0111\u00e1m c\u01b0\u1edbi, h\u1ed7 tr\u1ee3 sinh vi\u00ean c\u00e1c tr\u01b0\u1eddng d\u1ea1y ngh\u1ec1, tr\u01b0\u1eddng anh ng\u1eef&#8230;<\/p>\n<p>\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, khi ch\u00fang t\u00f4i c\u00f3 th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7 th\u00ec m\u1edbi c\u00f3 th\u1ec3 gi\u1ea3m th\u1eddi gian th\u1ea9m \u0111\u1ecbnh, c\u00f3 th\u1ec3 gi\u1ea3m l\u00e3i su\u1ea5t v\u00ec th\u1eddi nay c\u00f3 nhi\u1ec1u gian l\u1eadn,\u00a0vi\u1ec7c thu n\u1ee3 kh\u00e1 v\u1ea5t v\u1ea3. M\u1ed9t m\u00f3n vay \u0111\u01b0\u1ee3c ph\u00e1t ra th\u00ec ph\u1ea3i \u0111i \u0111\u00f2i n\u1ee3, g\u1ecdi tr\u1ef1c ti\u1ebfp, r\u1ed3i \u0111\u1ebfn t\u1eebng c\u01a1 s\u1edf, t\u1eebng kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u00f2i n\u00ean chi ph\u00ed \u0111\u01b0\u01a1ng nhi\u00ean s\u1ebd \u0111\u1ea9y l\u00ean.<\/p>\n<ul>\n<li>11:33 ng\u00e0y 12\/07\/2017<\/li>\n<\/ul>\n<p><strong>\u00d4ng \u0110\u1eb7ng Thanh H\u00f9ng, Gi\u00e1m \u0111\u1ed1c Trung t\u00e2m ti\u1ebfp th\u1ecb FE Credit<\/strong>\u00a0cho bi\u1ebft: &#8220;Ch\u00fang t\u00f4i tin t\u01b0\u1edfng ng\u00e0nh h\u00e0ng n\u00e0y s\u1ebd t\u0103ng tr\u01b0\u1edfng 2 con s\u1ed1 trong th\u1eddi gian t\u1edbi v\u00ec Vi\u1ec7t Nam c\u00f3 t\u1ef7 l\u1ec7 d\u00e2n s\u1ed1 tr\u1ebb n\u00ean d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n ng\u00e0nh n\u00e0y r\u1ea5t cao,<\/p>\n<p>\u0110\u1ed1i v\u1edbi FE Credit, h\u01b0\u1edbng kinh doanh l\u00e0 t\u1eadp trung v\u00e0o nh\u00f3m kh\u00e1ch h\u00e0ng trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng, c\u00f3 thu nh\u1eadp trung b\u00ecnh v\u00e0 th\u1ea5p, \u0111a ph\u1ea7n l\u00e0 c\u00f4ng nh\u00e2n, ti\u1ec3u th\u01b0\u01a1ng, kh\u00f4ng ph\u1ea3i nh\u00f3m kh\u00e1ch h\u00e0ng m\u00e0 c\u00e1c NHTM \u0111ang nh\u1eafm t\u1edbi.<\/p>\n<p><em>\u00a0<strong>\u00d4ng \u0110\u1eb7ng Thanh H\u00f9ng, Gi\u00e1m \u0111\u1ed1c Trung t\u00e2m ti\u1ebfp th\u1ecb FE Credit<\/strong><\/em><\/p>\n<p>N\u1ebfu kh\u00f4ng c\u00f3 FE Credit th\u00ec nh\u00f3m kh\u00e1ch h\u00e0ng n\u00e0y \u0111a ph\u1ea7n tr\u00f4ng v\u00e0o t\u00edn d\u1ee5ng \u0111en. V\u1edbi h\u00e0nh lang ph\u00e1p l\u00fd ng\u00e0y c\u00e0ng th\u00f4ng tho\u00e1ng h\u01a1n, c\u1ee5 th\u1ec3 nh\u01b0 Th\u00f4ng t\u01b0 43, h\u1ea1n m\u1ee9c ti\u00eau d\u00f9ng n\u00e2ng l\u00ean t\u1eeb 10 \u2013 100 tri\u1ec7u \u0111\u1ed3ng\/kho\u1ea3n vay, FE credit c\u00f3 danh m\u1ee5c cho vay kh\u00e1 \u0111\u1ea7y \u0111\u1ee7 t\u1eeb ti\u1ec1n m\u1eb7t, xe m\u00e1y, \u0111i\u1ec7n tho\u1ea1i&#8221;.<\/p>\n<p>\u0110\u1ec1 c\u1eadp \u0111\u1ebfn b\u00ed quy\u1ebft \u0111\u1ec3 FE Credit ph\u00e1t tri\u1ec3n nhanh, \u00f4ng H\u00f9ng cho bi\u1ebft, FE Credit c\u00f3 d\u00f2ng s\u1ea3n ph\u1ea9m \u0111a d\u1ea1ng nh\u1ea5t trong c\u00e1c nh\u00f3m cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay. \u0110\u1ed9i ng\u0169 sale m\u1ea1nh v\u1edbi h\u01a1n 1.000 ng\u01b0\u1eddi, bao ph\u1ee7 th\u1ecb tr\u01b0\u1eddng l\u1edbn. Ngo\u00e0i \u0111\u1ed9i ng\u0169 sale, C\u00f4ng ty h\u1ee3p t\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi 5.500 \u0111\u1ed1i t\u00e1c t\u1ea1i c\u00e1c \u0111\u1ecba \u0111i\u1ec3m b\u00e1n h\u00e0ng nh\u01b0 trung t\u00e2m \u0111i\u1ec7n m\u00e1y, \u0111i\u1ec7n tho\u1ea1i.<\/p>\n<p>\u201cCh\u00fang t\u00f4i ho\u00e0n to\u00e0n hi v\u1ecdng v\u1edbi m\u1ee9c \u0111\u1ea7u t\u01b0 con ng\u01b0\u1eddi, \u0111\u1ed9 ph\u1ee7, ch\u00fang t\u00f4i t\u1ef1 tin c\u00f3 th\u1ec3 n\u00e2ng cao v\u1ecb th\u1ebf trong th\u1eddi gian s\u1eafp t\u1edbi\u201d, \u00f4ng H\u00f9ng n\u00f3i.<\/p>\n<ul>\n<li>11:22 ng\u00e0y 12\/07\/2017<\/li>\n<\/ul>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/strong><em>\u00a0cho r\u1eb1ng: &#8220;Cho vay ti\u00eau d\u00f9ng l\u00e0 cho vay ti\u00eau \u0111i, ch\u1ee9 kh\u00f4ng d\u00f9ng ngu\u1ed3n ti\u1ec1n \u0111\u1ea5y \u0111\u1ec3 tr\u1ea3 n\u1ee3&#8221;.<\/em><\/p>\n<p><em>C\u00f3 3 k\u00eanh cho vay ti\u00eau d\u00f9ng ch\u00ednh h\u1ee3p ph\u00e1p l\u00e0: c\u1ea7m \u0111\u1ed3, hi\u1ec7n nay c\u00f3 t\u00ecnh tr\u1ea1ng l\u00e0 hang c\u00f9ng ng\u00f5 h\u1ebbm \u0111i \u0111\u00e2u c\u0169ng g\u1eb7p vay t\u00edn d\u1ee5ng \u0111en; Ng\u00e2n h\u00e0ng, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n; c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 \u0111\u1ecbnh ch\u1ebf h\u1ee3p ph\u00e1p.<\/em><\/p>\n<p><em>C\u00e1c TCTD n\u00e0y v\u1edbi \u0111i\u1ec1u ki\u1ec7n cho vay ch\u1eb7t ch\u1ebd, r\u1ea5t \u00edt c\u00f3 cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Cho vay c\u1ea7m \u0111\u1ed3, d\u01b0 lu\u1eadn \u00edt hi\u1ec3u v\u00e0 cho r\u1eb1ng b\u1ea5t h\u1ee3p ph\u00e1p. C\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3 \u0111\u1ec1u c\u00f3 gi\u1ea5y ph\u00e9p \u0111\u0103ng k\u00ed kinh doanh. Nh\u01b0ng b\u1ea5t h\u1ee3p ph\u00e1p \u1edf ch\u1ed7 n\u00e0o? Cho vay c\u1ea7m \u0111\u1ed3, c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, kh\u00f4ng c\u00f3 t\u00edn ch\u1ea5p, th\u1ebf ch\u1ea5p&#8230;<\/em><\/p>\n<p><em>T\u00edn d\u1ee5ng \u0111en hi\u1ec7n \u0111ang l\u00e0 v\u1ea5n \u0111\u1ec1 nh\u1ee9c nh\u1ed1i, cho vay n\u00f3ng, cho vay b\u1ea1n b\u00e8 anh em, c\u00f4ng ty v\u1edbi nhau, c\u00f2n l\u1ea1i \u0111a s\u1ed1 l\u00e0 k\u00eanh t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 \u0111\u0103ng k\u00ed kinh doanh. S\u00e2n ri\u00eang c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 cho vay ti\u00eau d\u00f9ng.<\/em><\/p>\n<p><em>\u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/p>\n<p><em>K\u00eanh cho vay ch\u00ednh th\u1ee9c th\u00ec 80-90% qua t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, gi\u00fap h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng s\u1ef1 c\u1ea1nh tranh ch\u01b0a cao, 5-6 c\u00f4ng ty cho vay ti\u00eau d\u00f9ng, nh\u01b0ng ch\u1ec9 c\u00f3 3-4 c\u00f4ng ty l\u00e0 ho\u1ea1t \u0111\u1ed9ng kh\u00e1 m\u1ea1nh m\u1ebd tr\u00ean to\u00e0n qu\u1ed1c.<\/em><\/p>\n<p><em>L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c d\u01b0 lu\u1eadn quan t\u00e2m trong th\u1eddi gian qua, hi\u1ec7n nay \u0111\u00e3 quy \u0111\u1ecbnh t\u01b0\u01a1ng \u0111\u1ed1i r\u00f5 l\u00e0 l\u00e3i su\u1ea5t s\u1ebd t\u00ednh theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n. Lu\u1eadt d\u00e2n s\u1ef1 m\u1edbi ch\u01b0a th\u1ed1ng nh\u1ea5t v\u00e0 t\u00f2a \u0111ang ch\u1edd \u0111\u1ee3i m\u1ee9c l\u00e3i su\u1ea5t cho vay tr\u00ean 20% c\u00f3 h\u1ee3p ph\u00e1p hay kh\u00f4ng h\u1ee3p ph\u00e1p, \u0111\u00fang hay kh\u00f4ng \u0111\u00fang.<\/em><\/p>\n<p><em>V\u1ec1 v\u1ea5n \u0111\u1ec1 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng, ph\u1ea3i \u0111\u0103ng k\u00fd m\u1eabu vay ti\u00eau d\u00f9ng \u1edf C\u1ee5c Qu\u1ea3n l\u00fd c\u1ea1nh tranh, B\u1ed9 C\u00f4ng th\u01b0\u01a1ng nh\u01b0ng d\u01b0\u1eddng nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn ch\u01b0a \u0111\u0103ng k\u00fd, v\u00ec \u0111ang nghe ng\u00f3ng, ch\u1edd Ngh\u1ecb quy\u1ebft 35 c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u1ec3 gi\u1ea3m t\u1ea3i th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh.<\/em><\/p>\n<ul>\n<li>10:54 ng\u00e0y 12\/07\/2017<\/li>\n<\/ul>\n<p><strong>B\u00e0 Nguy\u1ec5n Ph\u01b0\u01a1ng Thanh<\/strong>,<strong>\u00a0Ch\u1ee7 nhi\u1ec7m Cao c\u1ea5p, B\u1ed9 ph\u1eadn T\u01b0 v\u1ea5n D\u1ecbch v\u1ee5 Ng\u00e2n h\u00e0ng T\u00e0i ch\u00ednh, EY Vi\u1ec7t Nam<\/strong>\u00a0\u0111\u1ec1 c\u1eadp \u0111\u1ebfn \u0111\u1ed9 ph\u1ee7 s\u00f3ng c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 d\u1ecbch v\u1ee5 cho vay t\u1ea1i c\u00e1c v\u00f9ng n\u00f4ng th\u00f4n c\u00f2n r\u1ea5t th\u1ea5p.<\/p>\n<p>B\u00e0 Thanh c\u0169ng chia s\u1ebb kinh nghi\u1ec7m ti\u1ebfp c\u1eadn v\u00f9ng n\u00f4ng th\u00f4n t\u1eeb c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi t\u1eeb kh\u1ea3o s\u00e1t c\u1ee7a EY. C\u1ee5 th\u1ec3, t\u1ea1i m\u1ed9t s\u1ed1 qu\u1ed1c gia m\u1edbi n\u1ed5i c\u00f3 t\u1ef7 l\u1ec7 d\u00e2n s\u1ed1 sinh s\u1ed1ng t\u1ea1i n\u00f4ng th\u00f4n cao nh\u01b0 \u1ea4n \u0110\u1ed9, B\u0103ng-la-desh, Tazania, Brazil\u2026 \u0110\u1ec3 c\u00f3 th\u1ec3 cung c\u1ea5p s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 \u0111\u1ebfn c\u00e1c v\u00f9ng n\u00f4ng th\u00f4n, c\u00e1c c\u00f4ng ty t\u1ea1i c\u00e1c n\u01b0\u1edbc n\u00e0y \u0111\u00e3 \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 s\u00e1ng ki\u1ebfn mang t\u00ednh \u0111\u1ed9t ph\u00e1 v\u00e0 \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nhi\u1ec1u th\u00e0nh c\u00f4ng \u0111\u00e1ng ghi nh\u1eadn.<\/p>\n<p><em>\u00a0<strong>B\u00e0 Nguy\u1ec5n Ph\u01b0\u01a1ng Thanh<\/strong>,<strong>\u00a0Ch\u1ee7 nhi\u1ec7m Cao c\u1ea5p, B\u1ed9 ph\u1eadn T\u01b0 v\u1ea5n D\u1ecbch v\u1ee5 Ng\u00e2n h\u00e0ng T\u00e0i ch\u00ednh, EY Vi\u1ec7t Nam<\/strong><\/em><\/p>\n<p>V\u00ed d\u1ee5, t\u1ea1i Tazania v\u00e0 \u1ea4n \u0110\u1ed9, thay v\u00ec s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ty chuy\u00ean b\u00e1n h\u00e0ng v\u00e0 d\u1ecbch v\u1ee5 \u0111\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng m\u1edbi t\u1ea1i khu v\u1ef1c th\u00e0nh th\u1ecb, c\u00e1c c\u00f4ng ty \u0111\u00e3 s\u1eed d\u1ee5ng m\u1ea1ng l\u01b0\u1edbi nh\u00e2n vi\u00ean b\u00e1n h\u00e0ng t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng, hi\u1ec3u bi\u1ebft r\u1ea5t r\u00f5 v\u1ec1 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng n\u00f4ng th\u00f4n c\u0169ng nh\u01b0 \u0111\u1eb7c \u0111i\u1ec3m v\u1ecb tr\u00ed \u0111\u1ecba l\u00fd v\u00f9ng mi\u1ec1n. T\u1ea1i Tanzania, Vodacom \u0111\u00e3 ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c h\u1ee3p t\u00e1c x\u00e3 \u0111\u1ec3 t\u00ecm hi\u1ec3u v\u1ec1 \u0111\u1ecba ph\u01b0\u01a1ng, x\u00e2y d\u1ef1ng m\u1ea1ng l\u01b0\u1edbi nh\u00e2n vi\u00ean b\u00e1n h\u00e0ng chuy\u00ean nghi\u1ec7p v\u00e0 b\u00e1n chuy\u00ean nghi\u1ec7p \u0111\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c kh\u00e1ch h\u00e0ng t\u1ea1i c\u00e1c v\u00f9ng n\u00f4ng th\u00f4n.<\/p>\n<p>C\u00f2n \u1edf \u1ea4n \u0110\u1ed9, n\u01a1i 70% d\u00e2n s\u1ed1 s\u1ed1ng t\u1ea1i n\u00f4ng th\u00f4n, t\u1eeb n\u0103m 2000 \u0111\u1ebfn 2004, C\u00f4ng ty Hindustan Lever thu\u1ed9c T\u1eadp \u0111o\u00e0n Unilever \u0111\u00e3 ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c nh\u00f3m ph\u1ee5 n\u1eef t\u1ea1i c\u00e1c ng\u00f4i l\u00e0ng (v\u1edbi kho\u1ea3ng 2,000 c\u00e1 nh\u00e2n) \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n Shakti, nh\u1eb1m thuy\u1ebft ph\u1ee5c c\u0169ng nh\u01b0 \u0111\u00e0o t\u1ea1o th\u00e0nh vi\u00ean c\u1ee7a c\u00e1c nh\u00f3m ph\u1ee5 n\u1eef n\u00e0y th\u00e0nh c\u00e1c c\u00e1n b\u1ed9 b\u00e1n h\u00e0ng \u0111\u1ec3 ph\u00e2n ph\u1ed1i c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a Unilever. Theo c\u00e1ch n\u00e0y, C\u00f4ng ty \u0111\u00e3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c h\u01a1n 70 tri\u1ec7u l\u01b0\u1ee3t kh\u00e1ch h\u00e0ng n\u00f4ng th\u00f4n.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, b\u00e0 Thanh c\u0169ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 ch\u00ednh c\u1ee7a t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0 Qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. \u0110\u1ec3 c\u00f3 th\u1ec3 v\u1eeba thu h\u00fat kh\u00e1ch h\u00e0ng m\u1edbi, m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n t\u1ea1i khu v\u1ef1c n\u00f4ng th\u00f4n, v\u1eeba qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng hi\u1ec7u qu\u1ea3, \u0111\u1ea3m b\u1ea3o t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u \u1edf m\u1ee9c th\u1ea5p, theo b\u00e0 Thanh, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ea7n ph\u1ea3i \u00e1p d\u1ee5ng nh\u1eefng c\u00e1ch th\u1ee9c ti\u1ebfp c\u1eadn m\u1edbi ngay t\u1eeb vi\u1ec7c \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh cho vay hay kh\u00f4ng.<\/p>\n<p>B\u00ean c\u1ea1nh ph\u1ea7n l\u1edbn d\u00e2n c\u01b0 n\u00f4ng th\u00f4n c\u00f3 thu nh\u1eadp th\u1ea5p, v\u1eabn c\u00f2n m\u1ed9t b\u1ed9 ph\u1eadn d\u00e2n s\u1ed1 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 thu nh\u1eadp kh\u00e1 h\u01a1n v\u00e0 \u1ed5n \u0111\u1ecbnh h\u01a1n. \u0110\u00f3 l\u00e0 nh\u00f3m nh\u1eefng ti\u1ec3u th\u01b0\u01a1ng kinh doanh bu\u00f4n b\u00e1n v\u00e0 c\u00e1c nh\u00e2n vi\u00ean l\u00e0m vi\u1ec7c cho c\u00e1c \u0111\u01a1n v\u1ecb h\u00e0nh ch\u00ednh s\u1ef1 nghi\u1ec7p t\u1ea1i ph\u01b0\u1eddng, x\u00e3, huy\u1ec7n,\u2026 Vi\u1ec7c ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng th\u00e0nh c\u00e1c nh\u00f3m kh\u00e1c nhau s\u1ebd gi\u00fap cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cung c\u1ea5p s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/p>\n<p>V\u00ed d\u1ee5: v\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp kh\u00e1, h\u1ecd c\u00f3 th\u1ec3 vay \u0111\u1ec3 mua \u0111i\u1ec1u h\u00f2a, t\u1ee7 l\u1ea1nh, m\u00e1y gi\u1eb7t,\u2026 trong khi \u0111\u00f3 nh\u00f3m kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp th\u1ea5p th\u00ec ch\u1ec9 c\u00f3 th\u1ec3 vay \u0111\u1ec3 mua c\u00e1c s\u1ea3n ph\u1ea9m nh\u01b0 ti vi, qu\u1ea1t \u0111i\u1ec7n,\u2026 Vi\u1ec7c ph\u00e2n nh\u00f3m kh\u00e1ch h\u00e0ng n\u00f4ng th\u00f4n s\u1ebd h\u1ed7 tr\u1ee3 c\u00e1c c\u00f4ng ty trong vi\u1ec7c quy\u1ebft \u0111\u1ecbnh gi\u00e1 tr\u1ecb kho\u1ea3n vay v\u00e0 s\u1ea3n ph\u1ea9m t\u01b0\u01a1ng \u1ee9ng.<\/p>\n<p>C\u1ee5 th\u1ec3 nh\u01b0, C\u00f4ng ty Casas Bahia t\u1ea1i Brazil \u2013 m\u1ed9t c\u00f4ng ty chuy\u00ean cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m \u0111i\u1ec7n t\u1eed v\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m gia d\u1ee5ng kh\u00e1c cho c\u00e1c kh\u00e1ch h\u00e0ng t\u1ea1i n\u00f4ng th\u00f4n th\u00f4ng qua ph\u01b0\u01a1ng th\u1ee9c cho vay gi\u00e1 tr\u1ecb nh\u1ecf, \u0111\u00e3 th\u00e0nh c\u00f4ng trong vi\u1ec7c \u00e1p d\u1ee5ng ph\u00e2n nh\u00f3m kh\u00e1ch h\u00e0ng n\u00f4ng th\u00f4n cho m\u1ee5c \u0111\u00edch \u0111\u1ecbnh h\u01b0\u1edbng kh\u00e1ch h\u00e0ng vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng c\u1ee7a m\u00ecnh.Ngo\u00e0i ra, c\u00f4ng ty n\u00e0y c\u0169ng \u0111\u00e3 \u00e1p d\u1ee5ng h\u00ecnh th\u1ee9c ph\u1ecfng v\u1ea5n tr\u1ef1c ti\u1ebfp trong vi\u1ec7c \u0111\u00e1nh gi\u00e1 t\u00edn nhi\u1ec7m kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c c\u00e2u h\u1ecfi v\u1ec1 thu nh\u1eadp, cu\u1ed9c s\u1ed1ng c\u0169ng nh\u01b0 c\u00f4ng vi\u1ec7c. Vi\u1ec7c n\u00e0y \u0111\u00e3 gi\u1ea3m \u0111\u00e1ng k\u1ec3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a c\u00f4ng ty, tuy nhi\u00ean,\u0111\u1ec3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c \u0111\u00f2i h\u1ecfi r\u1ea5t cao \u1edf k\u1ef9 n\u0103ng v\u00e0 kinh nghi\u1ec7m c\u1ee7a c\u00e1n b\u1ed9 th\u1ea9m \u0111\u1ecbnh.<\/p>\n<p><em>\u00a0To\u00e0n c\u1ea3nh bu\u1ed5i T\u1ecda \u0111\u00e0m<\/em><\/p>\n<p>M\u1ed9t h\u00ecnh th\u1ee9c kh\u00e1c kh\u00e1 hi\u1ec7u qu\u1ea3, \u0111\u00e3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i t\u1ea1i B\u0103ng-la-\u0111\u00e9t v\u00e0 \u1ea4n \u0110\u1ed9 l\u00e0 h\u00ecnh th\u1ee9c cho vay theo nh\u00f3m (self-help group). Ng\u00e2n h\u00e0ng Grameen t\u1ea1i B\u0103ng-la-\u0111et l\u00e0 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh cho h\u00ecnh th\u1ee9c n\u00e0y. \u0110\u00e2y l\u00e0 ng\u00e2n h\u00e0ng th\u00e0nh c\u00f4ng nh\u1ea5t trong vi\u1ec7c cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh vi m\u00f4 v\u1edbi s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng l\u1edbn v\u00e0 \u0111\u01b0\u1ee3c nhi\u1ec1u qu\u1ed1c gia h\u1ecdc t\u1eadp.<\/p>\n<p>C\u1ee5 th\u1ec3, Ng\u00e2n h\u00e0ng cho vay theo nh\u00f3m, theo \u0111\u00f3, m\u1ed7i nh\u00f3m g\u1ed3m 5 th\u00e0nh vi\u00ean \u0111\u01b0\u1ee3c vay m\u1ed9t kho\u1ea3n ti\u1ec1n, nh\u01b0ng c\u1ea3 nh\u00f3m s\u1ebd b\u1ecb t\u1eeb ch\u1ed1i nh\u1eadn\u00a0t\u00edn d\u1ee5ng ti\u1ebfp n\u1ebfu m\u1ed9t th\u00e0nh vi\u00ean\u00a0b\u1ecb v\u1ee1 n\u1ee3. Vi\u1ec7c n\u00e0y t\u1ea1o ra \u00e1p l\u1ef1c nh\u00f3m, t\u1ea1o \u0111\u1ed9ng l\u1ef1c cho nh\u00f3m ho\u1ea1t \u0111\u1ed9ng c\u00f3 tr\u00e1ch nhi\u1ec7m, v\u00e0 l\u00e0m t\u0103ng t\u1ef7 l\u1ec7 ho\u00e0n v\u1ed1n l\u00ean t\u1edbi 98%.Ngo\u00e0i ra, s\u1ea3n ph\u1ea9m c\u00f2n c\u00f3 c\u00e1c \u0111\u1eb7c t\u00ednh sau: k\u1ef3 h\u1ea1n kho\u1ea3n vay ng\u1eafn: trung b\u00ecnh 1,5 n\u0103m; kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u00f3ng 5% gi\u00e1 tr\u1ecb kho\u1ea3n vay; kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u00f3ng m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh v\u00e0o qu\u1ef9 c\u1ee7a nh\u00f3m h\u00e0ng tu\u1ea7n v\u00e0 c\u00e1c th\u00e0nh vi\u00ean trong nh\u00f3m kh\u00f4ng \u0111\u01b0\u1ee3c r\u00fat ti\u1ec1n t\u1eeb qu\u1ef9 c\u1ee7a nh\u00f3m nh\u01b0ng c\u00f3 th\u1ec3 vay t\u1eeb qu\u1ef9 n\u00e0y.<\/p>\n<p>\u201cM\u1eb7c d\u00f9 \u0111\u00e2y l\u00e0 h\u00ecnh th\u1ee9c ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh vi m\u00f4 nh\u01b0ng trong m\u1ed9t kh\u00eda c\u1ea1nh n\u00e0o \u0111\u00f3 c\u0169ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng. C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 cho vay c\u00e1c c\u00e1 nh\u00e2n nh\u01b0ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o tr\u1ea3 n\u1ee3 b\u1edfi m\u1ed9t nh\u00f3m t\u1ef1 qu\u1ea3n ho\u1eb7c m\u1ed9t t\u1ed5 ch\u1ee9c, \u0111o\u00e0n th\u1ec3 nh\u1eb1m gi\u1ea3m thi\u1ec3u kh\u1ea3 n\u0103ng v\u1ee1 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng\u201d, b\u00e0 Thanh n\u00f3i.<\/p>\n<ul>\n<li>10:44 ng\u00e0y 12\/07\/2017<\/li>\n<li><strong>L\u00ea Xu\u00e2n Ngh\u0129a, Chuy\u00ean gia kinh t\u1ebf c<\/strong>ho r\u1eb1ng:<\/li>\n<\/ul>\n<p>Th\u1ee9 nh\u1ea5t, t\u1ed1c \u0111\u1ed9 t\u0103ng cho vay ti\u00eau d\u00f9ng tr\u00ean GDP 70% l\u00e0 qu\u00e1 nhanh, trong khi \u0111\u00f3 ti\u1ebft ki\u1ec7m l\u00e0 \u00edt. T\u0103ng tr\u01b0\u1edfng ti\u00eau d\u00f9ng t\u1ed1t, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ee7a Vi\u1ec7t Nam cao h\u01a1n ch\u00e2u \u00c2u, M\u1ef9 l\u00e0 kh\u00f4ng b\u00ecnh th\u01b0\u1eddng, ch\u1ee7 y\u1ebfu vay n\u1ee3 n\u01b0\u1edbc ngo\u00e0i. T\u1ed1c \u0111\u1ed9 ti\u00eau d\u00f9ng \u0111i l\u00ean nhanh th\u00ec t\u1ed1c \u0111\u1ed9 ti\u00eau d\u00f9ng v\u0103n h\u00f3a c\u0169ng xu\u1ed1ng nhanh. C\u1ea7n ph\u1ea3i c\u00f3 t\u1ef7 l\u1ec7 an to\u00e0n v\u0129 m\u00f4.<\/p>\n<p>Th\u1ee9 hai, c\u00f2n v\u00f4 v\u00e0n c\u00e2u chuy\u1ec7n cho vay t\u00edn d\u1ee5ng \u0111en ch\u01b0a \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd r\u1ed1t r\u00e1o, ch\u1eb3ng h\u1ea1n nh\u01b0 nh\u1eefng v\u1ee5 cho vay v\u1edbi doanh s\u1ed1 cho vay n\u0103m ngo\u00e1i th\u1ea5p nh\u1ea5t 300 t\u1ef7 cao nh\u1ea5t 800 t\u1ef7 \u0111\u1ed3ng tr\u00ean \u0111\u1ecba b\u00e0n th\u1ecb tr\u1ea5n l\u1edbn c\u1ee7a H\u00e0 T\u0129nh nh\u01b0ng kh\u00f4ng c\u00f3 ai qu\u1ea3n l\u00fd. Ng\u01b0\u1eddi m\u1edf qu\u00e1n, bu\u00f4n th\u00fang b\u00e1n m\u1eb9t khi b\u1ecb b\u1eaft m\u1edbi l\u1ed9 ra vi\u1ec7c cho vay t\u00edn d\u1ee5ng \u0111en h\u00e0ng tr\u0103m t\u1ef7 \u0111\u1ed3ng.<\/p>\n<p><em><strong>L\u00ea Xu\u00e2n Ngh\u0129a<\/strong><\/em><\/p>\n<p>Th\u01b0 ba, c\u1ea7n ph\u1ea3i ph\u00e1t tri\u1ec3n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng m\u1ed9t c\u00e1ch b\u00e0i b\u1ea3n, \u00edt nh\u1ea5t l\u00e0 m\u1ed9t d\u1ea1ng kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n, \u0111\u0103ng l\u00fd, k\u1ebf to\u00e1n, n\u1ed9p thu\u1ebf, gi\u1ea3m s\u00e1t, \u0111i\u1ec1u ki\u1ec7n t\u1ed1i thi\u1ec3u, l\u00e3i su\u1ea5t cho t\u1ef1 do.<\/p>\n<p>Th\u01b0 t\u01b0, c\u0169ng c\u1ea7n ph\u1ea3i xem x\u00e9t l\u1ea1i m\u1ed9t v\u00e0i th\u00e0nh t\u1ef1u trong nh\u1eefng n\u0103m qua v\u1ec1 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. Ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y t\u1ea1i Vi\u1ec7t Nam ch\u1ee7 y\u1ebfu th\u1eddi gian qua l\u00e0 mua nh\u00e0 v\u00e0 \u00f4 t\u00f4 nh\u01b0ng m\u1ed9t s\u1ed1 t\u1eadp \u0111o\u00e0n b\u1ea5t \u0111\u1ed9ng s\u1ea3n bi\u1ebfn t\u01b0\u1edbng cho c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean vay mua nh\u00e0 c\u1ee7a ch\u00ednh m\u00ecnh, kh\u00f4ng t\u1ea1o ra thanh kho\u1ea3n th\u1ef1c s\u1ef1 tr\u00ean th\u1ecb tr\u01b0\u1eddng. N\u1ebfu kh\u00f4ng \u0111i v\u00e0o gi\u00e1m s\u00e1t vi m\u00f4 b\u00e0i b\u1ea3n s\u1ebd c\u00f3 nhi\u1ec1u ng\u00e1ch, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng len l\u1ecfi v\u00e0o m\u1ed9t m\u1ee9c \u0111\u1ed9 n\u00e0o \u0111\u00f3.<\/p>\n<p>Theo \u00f4ng Ngh\u0129a, c\u00e0ng ch\u00ednh th\u1ee9c h\u00f3a ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng s\u1ebd h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en.<\/p>\n<ul>\n<li>10:36 ng\u00e0y 12\/07\/2017<\/li>\n<\/ul>\n<p><strong>\u00d4ng Ph\u1ea1m Xu\u00e2n Ho\u00e8, Ph\u00f3 vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, NHNN<\/strong>\u00a0cho bi\u1ebft, giai \u0111o\u1ea1n t\u1eeb 1993 \u0111\u1ebfn nay c\u00f3 th\u1ec3 r\u00fat ra m\u1ed9t s\u1ed1 k\u1ebft lu\u1eadn\u00a0:<\/p>\n<p><em>M\u1ed9t l\u00e0<\/em>, v\u1ec1 c\u01a1 b\u1ea3n trong c\u01a1 ch\u1ebf \u0111i\u1ec1u h\u00e0nh l\u00e3i su\u1ea5t c\u1ee7a NHNN \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c TCTD Vi\u1ec7t Nam xuy\u00ean su\u1ed1t qua c\u00e1c th\u1eddi k\u1ef3 l\u00e0 c\u01a1 ch\u1ebf l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn (th\u1ea3 n\u1ed5i theo cung c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng) b\u00ecnh \u0111\u1eb3ng v\u1ec1 l\u1ee3i \u00edch, ng\u00e0y c\u00e0ng c\u00f4ng khai, minh b\u1ea1ch v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t, ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i.<\/p>\n<p><em>Hai l\u00e0<\/em>, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u1edf c\u00e1c giai \u0111o\u1ea1n lu\u00f4n cao h\u01a1n so m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay kinh doanh trong n\u1ec1n kinh t\u1ebf. M\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi nh\u1eefng m\u00f3n nh\u1ecf v\u00e0 c\u1ee7a nh\u1eefng kh\u00e1ch h\u00e0ng thu nh\u1eadp th\u1ea5p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m c\u00f3 r\u1ee7i ro cao th\u01b0\u1eddng cao h\u01a1n v\u00e0i l\u1ea7n so m\u1ee9c l\u00e3i su\u1ea5t cho vay kinh doanh.<\/p>\n<p><em>Ba l\u00e0<\/em>, trong giai \u0111o\u1ea1n \u0111\u1ea7u l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng ch\u01b0a \u0111\u01b0\u1ee3c quan t\u00e2m nhi\u1ec1u, c\u00e0ng v\u1ec1 sau th\u00ec c\u00f4ng lu\u1eadn v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd c\u00e0ng \u0111\u1ec3 m\u1eaft nhi\u1ec1u h\u01a1n \u0111\u1ebfn l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng.<\/p>\n<p><em>B\u1ed1n l\u00e0<\/em>, \u0111\u1ebfn cu\u1ed1i n\u0103m 2016, ch\u00ednh s\u00e1ch v\u1ec1 cho vay ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u01b0\u1ee3c t\u00e1ch b\u1ea1ch h\u01a1n.<\/p>\n<p><strong><em>\u00d4ng Ph\u1ea1m Xu\u00e2n Ho\u00e8, Ph\u00f3 vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, NHNN tr\u00ecnh b\u00e0y tham lu\u1eadn t\u1ea1i bu\u1ed5i T\u1ecda \u0111\u00e0m<\/em><\/strong><em>\u00a0<\/em><\/p>\n<p><em>N\u0103m l\u00e0,<\/em>\u00a0xu h\u01b0\u1edbng b\u00e1n l\u1ebb c\u1ee7a NHTM gia t\u0103ng m\u1ea1nh \u0111ang tr\u1edf th\u00e0nh k\u00eanh c\u1ea1nh tranh quan tr\u1ecdng cho c\u00e1c ng\u00e2n h\u00e0ng t\u00ecm ki\u1ebfm l\u1ee3i nhu\u1eadn t\u1eeb k\u00eanh cho vay ti\u00eau d\u00f9ng.V\u00ec m\u1ee9c ROE cao h\u01a1n, \u1ed5n \u0111\u1ecbnh h\u01a1n, m\u1ee9c \u0111\u1ed9 ph\u00e2n t\u00e1n r\u1ee7i ro cho danh m\u1ee5c cho vay c\u0169ng t\u1ed1t h\u01a1n.<\/p>\n<p><em>S\u00e1u l\u00e0,<\/em>\u00a0s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng (CTTCTD) \u0111\u00e3 \u0111\u01b0a \u0111\u1ebfn ngu\u1ed3n cung t\u00edn d\u1ee5ng cho nh\u00f3m kh\u00e1ch h\u00e0ng nh\u1ecf l\u1ebb c\u00f3 nhu c\u1ea7u ti\u00eau d\u00f9ng nh\u01b0ng kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng t\u1eeb c\u00e1c NHTM l\u00e0m phong ph\u00fa h\u01a1n cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam.<\/p>\n<p>\u00d4ng H\u00f2e c\u0169ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a CTTCTD t\u1ea1i sao th\u01b0\u1eddng l\u00e0 cao. Theo \u00f4ng H\u00f2e, c\u0103n nguy\u00ean c\u1ee7a v\u1ea5n \u0111\u1ec1 l\u00e0:<\/p>\n<p><em>Th\u1ee9 nh\u1ea5t<\/em>, \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng ph\u1ee5c v\u1ee5 v\u00e0 ph\u01b0\u01a1ng th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a CTTCTD kh\u00e1c xa so v\u1edbi NHTM. \u0110\u00e2y l\u00e0 b\u1ea3n ch\u1ea5t c\u1ee7a vi\u1ec7c d\u1eabn \u0111\u1ebfn m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a kho\u1ea3n vay c\u0169ng kh\u00e1c.<\/p>\n<p><em>Th\u1ee9 hai<\/em>, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao n\u00ean ph\u1ea7n b\u00f9 r\u1ee7i ro trong y\u1ebfu t\u1ed1 c\u1ea7u th\u00e0nh l\u00e3i su\u1ea5t t\u0103ng cao. CTTCTD cung c\u1ea5p c\u00e1c kho\u1ea3n vay nh\u1ecf, kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, ph\u1ee5c v\u1ee5 nhu c\u1ea7u mua s\u1eafm trang thi\u1ebft b\u1ecb gia \u0111\u00ecnh, xe m\u00e1y, ti\u1ec1n m\u1eb7t ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1ed9t xu\u1ea5t\u2026 th\u1ee7 t\u1ee5c l\u1ea1i ph\u1ea3i r\u1ea5t nhanh ch\u00f3ng, thu\u1eadn ti\u1ec7n.<\/p>\n<p><em>Th\u1ee9 ba<\/em>, chi ph\u00ed v\u1ed1n \u0111\u1ea7u v\u00e0o cao c\u1ee7a c\u00e1c CTTCTD xu\u1ea5t ph\u00e1t t\u1eeb vi\u1ec7c h\u1ecd ph\u1ea3i ho\u1ea1t \u0111\u1ed9ng b\u1eb1ng v\u1ed1n t\u1ef1 c\u00f3 c\u1ed9ng v\u1edbi ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu cho c\u00e1c ph\u00e1p nh\u00e2n l\u00e0 ng\u01b0\u1eddi mua, \u0111i vay c\u00e1c NHTM m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp huy \u0111\u1ed9ng v\u1ed1n t\u1eeb d\u00e2n c\u01b0 (kh\u00f4ng l\u1ee3i d\u1ee5ng \u0111\u01b0\u1ee3c m\u1ea1ng l\u01b0\u1edbi \u0111\u1ec3 huy \u0111\u1ed9ng \u0111\u1ec3 c\u00f3 v\u1ed1n r\u1ebb l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n nh\u01b0 NHTM). V\u00ec b\u1ea3n th\u00e2n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a CTTCTD r\u1ee7i ro r\u1ea5t cao n\u00ean Lu\u1eadt TCTD kh\u1ed1ng ch\u1ebf kh\u00f4ng cho h\u1ecd ho\u1ea1t \u0111\u1ed9ng huy \u0111\u1ed9ng ti\u1ec1n t\u1eeb d\u00e2n c\u01b0. Do v\u1eady \u0111\u00e2y c\u0169ng l\u00e0 y\u1ebfu t\u1ed1 l\u00e0m cho l\u00e3i su\u1ea5t cho vay c\u1ee7a CTTCTD th\u01b0\u1eddng cao h\u01a1n kh\u00e1 nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t cho vay\u00a0c\u1ee7a NHTM.<\/p>\n<p><em>\u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e tr\u1ea3 l\u1eddi ph\u00f3ng v\u1ea5n b\u00e1o ch\u00ed b\u00ean l\u1ec1 bu\u1ed5i T\u1ecda \u0111\u00e0m\u00a0<\/em><\/p>\n<p><em>Th\u1ee9 t\u01b0<\/em>, chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng t\u00ednh ra tr\u00ean m\u1ed9t kho\u1ea3n vay l\u00e0 kh\u00e1 cao. V\u00ec v\u1edbi kho\u1ea3n vay gi\u00e1 tr\u1ecb nh\u1ecf, k\u1ef3 h\u1ea1n ng\u1eafn (kho\u1ea3ng 6 &#8211; 18 th\u00e1ng) n\u00ean chi ph\u00ed th\u1ea9m \u0111\u1ecbnh, l\u00e0m h\u1ed3 s\u01a1 th\u1ee7 t\u1ee5c c\u0169ng nh\u01b0 m\u1ed9t kho\u1ea3n vay th\u00f4ng th\u01b0\u1eddng; b\u00ean c\u1ea1nh \u0111\u00f3 chi ph\u00ed \u00a0thu h\u1ed3i n\u1ee3, qu\u1ea3n l\u00fd, ph\u00ed ph\u1ee5c v\u1ee5 \u0111\u1ec1u cao h\u01a1n b\u00ecnh th\u01b0\u1eddng\u2026 d\u1eabn \u0111\u1ebfn vi\u1ec7c h\u1ecd bu\u1ed9c ph\u1ea3i \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cao.<\/p>\n<p>\u00d4ng H\u00f2e, c\u0169ng \u0111\u01b0a ra g\u1ee3i \u00fd, c\u1ea7n c\u00f3 quan \u0111i\u1ec3m v\u00e0 c\u00e1ch nh\u00ecn \u0111\u00fang v\u1edbi\u00a0 v\u1ec1 th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng; Gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh h\u1ecdc \u0111\u01b0\u1eddng cho tr\u1ebb em Vi\u1ec7t Nam; C\u00f3 BigData v\u1ec1 l\u00fd l\u1ecbch t\u01b0 ph\u00e1p c\u00f4ng d\u00e2n \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n thu\u1eadn l\u1ee3i cho vay ti\u00eau d\u00f9ng<\/p>\n<ul>\n<li>10:28 ng\u00e0y 12\/07\/2017<\/li>\n<\/ul>\n<p><strong>\u00d4ng Nguy\u1ec5n T\u00fa Anh, Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 NHNN<\/strong>\u00a0cho bi\u1ebft, t\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng tr\u00ean GDP c\u1ee7a Vi\u1ec7t Nam t\u0103ng r\u1ea5t nhanh t\u1eeb 52,5% v\u00e0o n\u0103m 2005 l\u00ean \u0111\u1ebfn \u0111\u1ec9nh \u0111i\u1ec3m 77,7% v\u00e0o n\u0103m 2009. Giai \u0111o\u1ea1n 2010-2016 n\u1ec1n kinh t\u1ebf r\u01a1i v\u00e0o giai \u0111o\u1ea1n suy gi\u1ea3m t\u0103ng tr\u01b0\u1edfng v\u00e0 t\u1ef7 l\u1ec7 ti\u00eau tr\u00ean GDP c\u0169ng suy gi\u1ea3m \u0111\u1ebfn \u0111\u00e1y v\u00e0o n\u0103m 2012 nh\u01b0ng t\u1eeb n\u0103m 2013 \u0111\u1ebfn nay t\u1ef7 l\u1ec7 n\u00e0y li\u00ean t\u1ee5c t\u0103ng cao v\u00e0 \u0111\u1ea1t 78,34% v\u00e0o n\u0103m 2016.<\/p>\n<p>Theo s\u1ed1 li\u1ec7u c\u1ee7a c\u01a1 quan th\u00f4ng tin kinh t\u1ebf EIU c\u1ee7a T\u1ea1p ch\u00ed The economists th\u00ec t\u1ed5ng m\u1ee9c ti\u00eau d\u00f9ng c\u1ee7a h\u1ed9 gia \u0111\u00ecnh v\u00e0 c\u00e1 nh\u00e2n \u1edf Vi\u1ec7t Nam n\u0103m 2015 chi\u1ebfm kho\u1ea3ng 67% GDP. T\u1ef7 l\u1ec7 n\u00e0y cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n nh\u01b0 Singapore l\u00e0 37%, Anh l\u00e0 65%, \u0110\u1ee9c l\u00e0 54% v\u00e0 Nh\u1eadt B\u1ea3n l\u00e0 59%. T\u1ea1i c\u00e1c n\u01b0\u1edbc Ch\u00e2u \u00c1 th\u00ec Vi\u1ec7t Nam thu\u1ed9c nh\u00f3m n\u01b0\u1edbc c\u00f3 t\u1ef7 l\u1ec7 ti\u00eau d\u00f9ng tr\u00ean GDP cao nh\u1ea5t.<\/p>\n<p>\u00d4ng T\u00fa Anh cho bi\u1ebft, th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng c\u1ee7a Vi\u1ec7t Nam \u0111ang ph\u00e1t tri\u1ec3n kh\u00e1 nhanh, trong \u0111\u00f3 c\u00e1c NHTM chi\u1ebfm vai tr\u00f2 ch\u1ee7 \u0111\u1ea1o. N\u1ebfu t\u00ednh c\u1ea3 c\u00e1c kho\u1ea3n vay \u0111\u1ec3 mua nh\u00e0 th\u00ec c\u00e1c NHTM chi\u1ebfm 90% th\u1ecb ph\u1ea7n cho vay ti\u00eau d\u00f9ng; n\u1ebfu kh\u00f4ng t\u00ednh c\u00e1c kho\u1ea3n vay n\u00e0y th\u00ec c\u00e1c NHTM c\u0169ng chi\u1ebfm \u0111\u1ebfn 80% th\u1ecb ph\u1ea7n. T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n \u0111\u1ea1t kho\u1ea3ng 38,12% trong giai \u0111o\u1ea1n 2011-2015, trong \u0111\u00f3 ri\u00eang n\u0103m 2015 \u0111\u1ea1t kho\u1ea3ng 59,1%.<\/p>\n<p>M\u1eb7c d\u00f9 cu\u1ed1i 2016 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh hai th\u00f4ng t\u01b0 quan tr\u1ecdng l\u00e0 Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay, trong \u0111\u00f3 c\u00f3 cho vay ti\u00eau d\u00f9ng nh\u01b0ng v\u1eabn c\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra v\u1edbi c\u01a1 quan qu\u1ea3n l\u00fd.<\/p>\n<p><em>\u00a0<strong>\u00d4ng Nguy\u1ec5n T\u00fa Anh, Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 NHNN<\/strong><\/em><\/p>\n<p>C\u1ee5 th\u1ec3:\u00a0Cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng l\u00e0 cho vay kh\u00f4ng b\u1ea3o \u0111\u1ea3m do \u0111\u00f3 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, l\u1ecbch s\u1eed vay v\u00e0 tr\u1ea3 n\u1ee3, c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c l\u00e0 r\u1ea5t quan tr\u1ecdng. Tuy nhi\u00ean, ng\u01b0\u1eddi cho vay th\u01b0\u1eddng l\u1ea1i kh\u00f4ng xem x\u00e9t \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y m\u00e0 thi\u00ean v\u1ec1 m\u1edf r\u1ed9ng s\u1ed1 l\u01b0\u1ee3ng cho vay d\u01b0\u1edbi s\u1ee9c \u00e9p c\u1ea1nh tranh gi\u00e0nh th\u1ecb ph\u1ea7n. \u0110i\u1ec1u n\u00e0y s\u1ebd \u0111\u1eb7t g\u00e1nh n\u1eb7ng n\u1ee3 n\u1ea7n l\u00ean ng\u01b0\u1eddi \u0111i vay khi h\u1ecd kh\u00f4ng \u0111\u1ee7 ki\u1ebfn th\u1ee9c \u0111\u1ec3 hi\u1ec3u h\u1ebft c\u00e1c r\u1ee7i ro trong c\u00e1c kho\u1ea3n vay v\u00e0 khi h\u1ecd kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec h\u1ecd b\u1ecb sa v\u00e0o b\u1eaby n\u1ee3 n\u1ea7n.<\/p>\n<p>B\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n c\u00f3 c\u00e1c quy \u0111\u1ecbnh \u0111\u1ec3 h\u1ea1n ch\u1ebf ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ea5p nh\u1eadn r\u1ee7i ro qu\u00e1 m\u1ee9c. Quy \u0111\u1ecbnh c\u1ee7a Malaysia \u0111\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng: h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 2 l\u1ea7n thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a ch\u1ee7 th\u1ebb,\u00a0 s\u1ed1 th\u1ebb \u0111\u01b0\u1ee3c s\u1edf h\u1eefu tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee9c thu nh\u1eadp ch\u1ee7 th\u1ebb (36.000RM\/n\u0103m th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c m\u1edf qu\u00e1 2 th\u1ebb), Brunei t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng t\u1ea1i t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 60% thu nh\u1eadp h\u00e0ng n\u0103m.. Singapore quy \u0111\u1ecbnh c\u00e1c TCTD ph\u1ea3i th\u00f4ng b\u00e1o \u0111\u1ea7y \u0111\u1ee7 c\u00e1c r\u1ee7i ro trong vi\u1ec7c cho vay quay v\u00f2ng, cho vay mua nh\u00e0 th\u1ebf ch\u1ea5p\u2026.<\/p>\n<p>C\u00e1c n\u01b0\u1edbc c\u0169ng y\u00eau c\u1ea7u c\u00e1c th\u00f4ng tin tr\u00ean h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ph\u1ea3i r\u00f5 r\u00e0ng, d\u1ec5 hi\u1ec3u v\u00e0 ph\u1ea3i \u0111\u1ea3m b\u1ea3o ng\u01b0\u1eddi vay n\u1ee3 hi\u1ec3u h\u1ebft c\u00e1c \u0111i\u1ec1u kho\u1ea3n ghi trong h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi c\u1ea7m b\u00fat k\u00fd vay n\u1ee3. H\u1ea7u h\u1ebft c\u00e1c n\u01b0\u1edbc \u0111\u1ec1u quy \u0111\u1ecbnh c\u1ea5m \u0111\u01b0a c\u00e1c th\u00f4ng tin kh\u00f3 hi\u1ec3u, m\u1eadp m\u1edd ho\u1eb7c sai l\u1ec7ch \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n<p>Th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n m\u1ea1nh \u1edf Vi\u1ec7t Nam. Kh\u00e1ch h\u00e0ng cho vay ti\u00eau d\u00f9ng s\u1ebd ng\u00e0y c\u00e0ng m\u1edf r\u1ed9ng v\u00e0 s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng nh\u01b0 n\u00f4ng d\u00e2n, v\u00e0 nh\u1eefng ng\u01b0\u1eddi b\u00ecnh th\u01b0\u1eddng v\u1edbi ki\u1ebfn th\u1ee9c \u00edt \u1ecfi v\u1ec1 ph\u00e1p lu\u1eadt v\u00e0 t\u00e0i ch\u00ednh s\u1ebd tr\u1edf th\u00e0nh r\u1ea5t d\u1ec5 t\u1ed5n th\u01b0\u01a1ng tr\u01b0\u1edbc c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ea1nh tranh cho vay ti\u00eau d\u00f9ng. \u0110i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi ph\u00e1p lu\u1eadt c\u1ea7n ph\u1ea3i c\u1ea9n tr\u1ecdng h\u01a1n trong vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111i vay v\u00e0 l\u1ee3i \u00edch ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi cho vay.<\/p>\n<p>C\u00e1c v\u1ea5n \u0111\u1ec1 nh\u01b0 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng, h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng so v\u1edbi thu nh\u1eadp c\u1ee7a kh\u00e1ch h\u00e0ng, s\u1ed1 l\u01b0\u1ee3ng th\u1ebb t\u00edn d\u1ee5ng t\u1ed1i \u0111a m\u1ed9t kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 c\u00f3, tr\u1ea7n l\u00e3i su\u1ea5t cho vay \u0111\u1ec3 h\u1ea1n ch\u1ebf m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng v.v\u2026 \u0111ang l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ea7n ph\u1ea3i \u0111\u00e1nh gi\u00e1 xem x\u00e9t c\u1ea9n tr\u1ecdng \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u01b0a v\u00e0o c\u00e1c quy ph\u1ea1m ph\u00e1p lu\u1eadt nh\u1eb1m b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111i vay m\u00e0 cu\u1ed1i c\u00f9ng ch\u00ednh l\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi cho vay v\u00e0 to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng.<\/p>\n<p>Nh\u1eadn \u0111\u1ecbnh v\u1ec1 \u0111\u1eb7c \u0111i\u1ec3m t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam, TS. C\u1ea5n V\u0103n L\u1ef1c chuy\u00ean gia kinh t\u1ebf cho bi\u1ebft, \u0111\u00f3 l\u00e0 kh\u00e1ch h\u00e0ng vay: c\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh v\u1edbi m\u1ee5c \u0111\u00edch: ph\u1ee5c v\u1ee5 nhu c\u1ea7u ti\u00eau d\u00f9ng c\u1ee7a c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh kh\u00f4ng ph\u1ea3i xu\u1ea5t ph\u00e1t t\u1eeb m\u1ee5c \u0111\u00edch kinh doanh. Quy m\u00f4 kho\u1ea3n vay: th\u01b0\u1eddng nh\u1ecf (100 tri\u1ec7u \u0111\u1ed3ng\/kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi C\u00f4ng ty t\u00e0i ch\u00ednh; tr\u1eeb nh\u1eefng h\u1ee3p \u0111\u1ed3ng thu\u00ea mua, vay \u0111\u1ec3 tr\u1ea3 l\u00e3i t\u00edn d\u1ee5ng mua nh\u00e0 \u1edf, vay mua \u00f4 t\u00f4\u2026.). Th\u1eddi h\u1ea1n th\u01b0\u1eddng l\u00e0 ng\u1eafn v\u00e0 trung h\u1ea1n (\u0111a s\u1ed1 t\u1ed1i \u0111a kho\u1ea3ng 5 n\u0103m)\u2026<\/p>\n<p>TS L\u1ef1c cho r\u1eb1ng, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam v\u1eabn c\u00f2n \u00edt do nh\u1eadn th\u1ee9c, v\u0103n h\u00f3a (th\u00f3i quen) vay ti\u00eau d\u00f9ng h\u1ea1n ch\u1ebf, s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ch\u01b0a \u0111a d\u1ea1ng, ch\u01b0a ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p; ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c \u0110CTC v\u1edbi kh\u1ea9u v\u1ecb r\u1ee7i ro th\u1eadn tr\u1ecdng \u00a0Th\u1ee7 t\u1ee5c c\u00f2n ph\u1ee9c t\u1ea1p, th\u1ee7 c\u00f4ng c\u00f2n nhi\u1ec1u&#8230; \u00a0Khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd c\u00f2n ch\u01b0a \u0111\u1ed3ng b\u1ed9, ch\u01b0a nh\u1ea5t qu\u00e1n. Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh (g\u1ed3m c\u1ea3 t\u00e0i ch\u00ednh vi m\u00f4) ch\u01b0a ph\u00e1t tri\u1ec3n. H\u1ec7 th\u1ed1ng c\u00e1c TCTD \u0111ang t\u00e1i c\u01a1 c\u1ea5u. Quan ni\u1ec7m v\u1ec1 t\u00edn d\u1ee5ng ch\u01b0a theo th\u00f4ng l\u1ec7\u2026<\/p>\n<p>\u201c\u0110\u1eb7c bi\u1ec7t, \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m nh\u01b0ng \u1edf Vi\u1ec7t Nam nh\u1eadn th\u1ee9c, th\u01b0\u1ee3ng t\u00f4n ph\u00e1p lu\u1eadt c\u1ee7a ng\u01b0\u1eddi \u0111i vay c\u00f2n h\u1ea1n ch\u1ebf\u201d, \u00f4ng L\u1ef1c n\u00f3i.<\/p>\n<p>L\u1ef1c c\u0169ng \u0111\u00e3 g\u1ee3i \u00fd gi\u1ea3i ph\u00e1p Ch\u00ednh ph\u1ee7, NHNN, B\u1ed9 T\u00e0i ch\u00ednh nh\u01b0 x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c qu\u1ed1c gia v\u1ec1 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n v\u00e0 th\u1ef1c hi\u1ec7n t\u1ed1t \u0110\u1ec1 \u00e1n 1726 (th\u00e1ng 9\/2016) v\u1ec1 ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. Ho\u00e0n thi\u1ec7n, \u0111i\u1ec1u ch\u1ec9nh Th\u00f4ng t\u01b0 43 v\u1ec1 cho vay ti\u00eau d\u00f9ng c\u1ee7a CTTC v\u00e0 khung ph\u00e1p l\u00fd cho c\u00e1c Fintech. N\u00e2ng cao nh\u1eadn th\u1ee9c, v\u0103n h\u00f3a vay ti\u00eau d\u00f9ng (g\u00f3p ph\u1ea7n gi\u1ea3m t\u00edn d\u1ee5ng \u0111en).<\/p>\n<p>Gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh (financial education). \u0110\u1ecbnh h\u01b0\u1edbng ph\u00e2n b\u1ed5 k\u00eanh ph\u00e2n ph\u1ed1i h\u1ee3p l\u00fd (chi nh\u00e1nh, PGD, ATMs, NH \u0111i\u1ec7n t\u1eed, CTTC, Fintech \u2026) \u00a0Ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh c\u00e2n b\u1eb1ng h\u01a1n (nh\u1ea5t l\u00e0 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, tr\u00e1i phi\u1ebfu, ph\u00e1i sinh, t\u00e0i ch\u00ednh vi m\u00f4..), nh\u1eb1m gi\u1ea3m t\u1ea3i cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. \u0110\u1ecbnh h\u01b0\u1edbng v\u00e0 th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1 v\u00e0 Fintech. Ph\u1ed1i h\u1ee3p c\u00e1c b\u1ed9, ng\u00e0nh th\u00e1o g\u1ee1 k\u1ecbp th\u1eddi c\u00e1c v\u01b0\u1eddng m\u1eafc (v\u1ec1 TS\u0110B, th\u1ee7 t\u1ee5c, c\u1ea5p ph\u00e9p\u2026).<\/p>\n<p><strong>H\u1ed3ng Dung<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>\u0110\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n (Ti\u1ec1n t\u1ec7) 12-7-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/tinnhanhchungkhoan.vn\/tu-van-tai-chinh\/tai-chinh-ban-le-co-hoi-tu-thi-truong-30-trieu-khach-hang-193927.html\">http:\/\/tinnhanhchungkhoan.vn\/tu-van-tai-chinh\/tai-chinh-ban-le-co-hoi-tu-thi-truong-30-trieu-khach-hang-193927.html<\/a><\/em><\/p>\n<p><em>(362\/5.266)<\/em>","protected":false},"excerpt":{"rendered":"<p>(\u0110TCK) &#8211; V\u1edbi d\u00e2n s\u1ed1 kho\u1ea3ng 95 tri\u1ec7u d\u00e2n, trong \u0111\u00f3 60-65% trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 60 tri\u1ec7u ng\u01b0\u1eddi, trong \u0111\u00f3 kho\u1ea3ng h\u01a1n 30 tri\u1ec7u ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng, c\u00f3 nhu c\u1ea7u t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. Trong khi 10 n\u0103m qua, ng\u00e0nh t\u00e0i ch\u00ednh b\u00e1n l\u1ebb [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26122,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26121","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>1.404. T\u00e0i ch\u00ednh b\u00e1n l\u1ebb: C\u01a1 h\u1ed9i t\u1eeb th\u1ecb tr\u01b0\u1eddng 30 tri\u1ec7u kh\u00e1ch h\u00e0ng - 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\/1-404-tai-chinh-ban-le-co-hoi-tu-thi-truong-30-trieu-khach-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.404. T\u00e0i ch\u00ednh b\u00e1n l\u1ebb: C\u01a1 h\u1ed9i t\u1eeb th\u1ecb tr\u01b0\u1eddng 30 tri\u1ec7u kh\u00e1ch h\u00e0ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110TCK) &#8211; V\u1edbi d\u00e2n s\u1ed1 kho\u1ea3ng 95 tri\u1ec7u d\u00e2n, trong \u0111\u00f3 60-65% trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 60 tri\u1ec7u ng\u01b0\u1eddi, trong \u0111\u00f3 kho\u1ea3ng h\u01a1n 30 tri\u1ec7u ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng, c\u00f3 nhu c\u1ea7u t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. 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