{"id":26143,"date":"2017-07-12T09:56:47","date_gmt":"2017-07-12T02:56:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26143"},"modified":"2022-06-10T09:58:36","modified_gmt":"2022-06-10T02:58:36","slug":"1-412-pho-vien-truong-vien-chien-luoc-ngan-hang-can-dua-tai-chinh-tieu-dung-vao-chuong-trinh-hoc-duong-nhu-mot-mon-hoc-chinh-thuc","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-412-pho-vien-truong-vien-chien-luoc-ngan-hang-can-dua-tai-chinh-tieu-dung-vao-chuong-trinh-hoc-duong-nhu-mot-mon-hoc-chinh-thuc\/","title":{"rendered":"1.412. Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng: C\u1ea7n \u0111\u01b0a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh h\u1ecdc \u0111\u01b0\u1eddng nh\u01b0 m\u1ed9t m\u00f4n h\u1ecdc ch\u00ednh th\u1ee9c"},"content":{"rendered":"<strong>(CFF) &#8211; T\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1ee3ng 20-30%\/n\u0103m trong v\u00f2ng 7 n\u0103m li\u00ean t\u1ee5c nh\u01b0ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1eabn ch\u01b0a th\u1ef1c s\u1ef1 t\u01b0\u01a1ng x\u1ee9ng v\u1edbi k\u1ef3 v\u1ecdng v\u00e0 ti\u1ec1m n\u0103ng c\u00f2n r\u1ea5t l\u1edbn c\u1ee7a th\u1ecb tr\u01b0\u1eddng n\u00e0y.<\/strong><\/p>\n<p>T\u1ea1i \u201cT\u1ecda \u0111\u00e0m v\u1ec1 ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh b\u00e1n l\u1ebb, 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 do B\u00e1o \u0110\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c s\u00e1ng nay (12\/7), c\u00e1c \u0111\u1ea1i bi\u1ec3u \u0111\u00e3 c\u00f9ng nhau th\u1ea3o lu\u1eadn v\u1ec1 th\u1ef1c tr\u1ea1ng, ti\u1ec1m n\u0103ng v\u00e0 vai tr\u00f2 c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong s\u1ef1 ph\u00e1t tri\u1ec3n chung c\u1ee7a n\u1ec1n kinh t\u1ebf; gi\u1ea3i th\u00edch c\u0103n nguy\u00ean l\u00e3i su\u1ea5t v\u00e0 c\u00e1c l\u01b0u \u00fd khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng; n\u1ed7 l\u1ef1c \u0111\u1ec3 m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng m\u1ed9t c\u00e1ch to\u00e0n di\u1ec7n v\u00e0 gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n\u2026<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-26144 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/10-2-450x300.jpg\" alt=\"\" width=\"450\" height=\"300\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/10-2-450x300.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/10-2.jpg 650w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>\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. \u1ea2nh: B\u00e1o \u0110\u1ea7u t\u01b0.<\/p>\n<p>Trong \u0111\u00f3, vi\u1ec7c t\u00ecm ki\u1ebfm h\u01b0\u1edbng \u0111i cho th\u1ecb tr\u01b0\u1eddng n\u00e0y \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia v\u00e0 \u0111\u1ea1i bi\u1ec3u tham d\u1ef1 \u0111\u1eb7c bi\u1ec7t quan t\u00e2m v\u00e0 c\u00f9ng chung nh\u1eadn \u0111\u1ecbnh r\u1eb1ng vi\u1ec7c ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ea7n s\u1ef1 n\u1ed7 l\u1ef1c t\u1ed5ng th\u1ec3 t\u1eeb c\u01a1 quan qu\u1ea3n l\u00fd, c\u00e1c CTTC v\u00e0 b\u1ea3n th\u00e2n ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n<p><em>V\u1ec1 ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC), vi\u1ec7c quan tr\u1ecdng nh\u1ea5t c\u1ea7n l\u00e0m l\u00e0 ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd cho CTTC ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng.<\/em><\/p>\n<p><em>Lu\u1eadt s\u01b0 \u0110\u1ee9c cho r\u1eb1ng, h\u00e0nh lang ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u00e3 li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1, \u0111\u1eb7c bi\u1ec7t l\u00e0 sau khi Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 15\/3\/2017 \u0111i\u1ec1u ch\u1ec9nh th\u1ecb tr\u01b0\u1eddng n\u00e0y theo h\u01b0\u1edbng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf h\u01a1n, gi\u00fap c\u00f4ng ty t\u00e0i ch\u00ednh d\u1ec5 d\u00e0ng cho vay, \u0111\u1ed3ng th\u1eddi gi\u00fap ng\u01b0\u1eddi vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 linh ho\u1ea1t vay v\u1ed1n ph\u1ee5c v\u1ee5 nhi\u1ec1u m\u1ee5c \u0111\u00edch, nh\u1eb1m n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng.<\/em><\/p>\n<p><em>Tuy nhi\u00ean, \u201cv\u1ec1 l\u00e2u d\u00e0i, v\u1eabn c\u1ea7n xem x\u00e9t lo\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh ra kh\u1ecfi Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ec3 kh\u00f4ng ph\u1ea3i \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n, ch\u1ebf t\u00e0i ng\u1eb7t ngh\u00e8o nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c d\u1ee5ng\u201d.<\/em><\/p>\n<p><em>V\u1ec1 ph\u00eda CTTC, Lu\u1eadt s\u01b0 \u0110\u1ee9c khuy\u1ebfn c\u00e1o c\u00e1c CTTC c\u1ea7n x\u00e1c \u0111\u1ecbnh kinh doanh ph\u1ea3i uy t\u00edn, b\u00e0i b\u1ea3n. Quan tr\u1ecdng h\u01a1n ph\u1ea3i c\u00f3 c\u00f4ng c\u1ee5, bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m n\u1ed9i dung, c\u00e2u ch\u1eef trong h\u1ee3p \u0111\u1ed3ng kh\u00f4ng g\u00e2y thi\u1ec7t h\u1ea1i \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/em><\/p>\n<p><em>\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi vay c\u1ea7n c\u00e2n nh\u1eafc k\u1ef9 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a m\u00ecnh v\u00e0 t\u00ecm hi\u1ec3u k\u1ef9 l\u01b0\u1ee1ng v\u1ec1 l\u00e3i su\u1ea5t, th\u1eddi h\u1ea1n vay, \u0111i\u1ec1u ki\u1ec7n vay, c\u00f4ng th\u1ee9c t\u00ednh to\u00e1n,&#8230; tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p xung \u0111\u1ed9t khi \u0111\u1ebfn k\u1ef3 h\u1ea1n thanh to\u00e1n.<\/em><\/p>\n<p>\u0110\u1ed3ng quan \u0111i\u1ec3m, \u00f4ng Ph\u1ea1m Xu\u00e2n H\u00f2e, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng c\u00f2n cho r\u1eb1ng &#8211; B\u1ed9 Gi\u00e1o d\u1ee5c v\u00e0 \u0110\u00e0o t\u1ea1o c\u1ea7n \u0111\u01b0a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh h\u1ecdc \u0111\u01b0\u1eddng nh\u01b0 m\u1ed9t m\u00f4n h\u1ecdc ch\u00ednh th\u1ee9c. Hi\u1ec7n \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng t\u01b0 l\u00e0m \u0111\u01b0\u1ee3c vi\u1ec7c n\u00e0y trong khi c\u00e1c tr\u01b0\u1eddng c\u00f4ng ch\u01b0a l\u00e0m \u0111\u01b0\u1ee3c. \u1ede nhi\u1ec1u qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, hay n\u00f3i \u0111\u01a1n gi\u1ea3n h\u01a1n l\u00e0 vi\u1ec7c chi ti\u00eau c\u00e1 nh\u00e2n l\u00e0 m\u1ed9t trong nh\u1eefng b\u00e0i h\u1ecdc c\u01a1 b\u1ea3n c\u1ee7a c\u00e1c em h\u1ecdc sinh, gi\u00fap c\u00e1c b\u1ea1n tr\u1ebb c\u00f3 s\u1ef1 chu\u1ea9n b\u1ecb t\u1ed1t v\u1ec1 k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ngay t\u1eeb khi c\u00f2n ng\u1ed3i tr\u00ean gh\u1ebf nh\u00e0 tr\u01b0\u1eddng.<\/p>\n<p><strong>Mai Ng\u1ecdc &#8211; <\/strong><em>Theo Tr\u00ed th\u1ee9c tr\u1ebb<\/em><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>CafeF (Ng\u00e2n h\u00e0ng) 12-7-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/cafef.vn\/pho-vien-truong-vien-chien-luoc-ngan-hang-can-dua-tai-chinh-tieu-dung-vao-chuong-trinh-hoc-duong-nhu-mot-mon-hoc-chinh-thuc-20170712141003236.chn\">http:\/\/cafef.vn\/pho-vien-truong-vien-chien-luoc-ngan-hang-can-dua-tai-chinh-tieu-dung-vao-chuong-trinh-hoc-duong-nhu-mot-mon-hoc-chinh-thuc-20170712141003236.chn<\/a><\/em><\/p>\n<p><em>(276\/642)<\/em>","protected":false},"excerpt":{"rendered":"<p>(CFF) &#8211; T\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1ee3ng 20-30%\/n\u0103m trong v\u00f2ng 7 n\u0103m li\u00ean t\u1ee5c nh\u01b0ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1eabn ch\u01b0a th\u1ef1c s\u1ef1 t\u01b0\u01a1ng x\u1ee9ng v\u1edbi k\u1ef3 v\u1ecdng v\u00e0 ti\u1ec1m n\u0103ng c\u00f2n r\u1ea5t l\u1edbn c\u1ee7a th\u1ecb tr\u01b0\u1eddng n\u00e0y. T\u1ea1i \u201cT\u1ecda \u0111\u00e0m v\u1ec1 ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh b\u00e1n l\u1ebb, c\u01a1 h\u1ed9i th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng, ph\u1ee5c v\u1ee5 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26144,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26143","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>1.412. Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng: C\u1ea7n \u0111\u01b0a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh h\u1ecdc \u0111\u01b0\u1eddng nh\u01b0 m\u1ed9t m\u00f4n h\u1ecdc ch\u00ednh th\u1ee9c - 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\/1-412-pho-vien-truong-vien-chien-luoc-ngan-hang-can-dua-tai-chinh-tieu-dung-vao-chuong-trinh-hoc-duong-nhu-mot-mon-hoc-chinh-thuc\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.412. 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