{"id":26149,"date":"2017-07-12T10:03:40","date_gmt":"2017-07-12T03:03:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26149"},"modified":"2022-06-19T10:02:11","modified_gmt":"2022-06-19T03:02:11","slug":"1-414-phat-trien-tai-chinh-ban-le-co-hoi-thuc-day-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-414-phat-trien-tai-chinh-ban-le-co-hoi-thuc-day-tieu-dung\/","title":{"rendered":"1.414. Ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh b\u00e1n l\u1ebb, c\u01a1 h\u1ed9i th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng"},"content":{"rendered":"(\u0111c) – Ng\u00e0y 12\/7, t\u1ea1i H\u00e0 N\u1ed9i \u0111\u00e3 di\u1ec5n ra T\u1ecda \u0111\u00e0m “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 Vi\u1ec7t Nam\u201d do B\u00e1o \u0110\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c.<\/strong><\/p>\n

\"\"<\/p>\n

Quang c\u1ea3nh bu\u1ed5i t\u1ecda \u0111\u00e0m (\u1ea2nh: K.D)<\/p>\n

T\u1ea1i t\u1ecda \u0111\u00e0m, 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 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

Th\u1ef1c tr\u1ea1ng, ti\u1ec1m n\u0103ng, vai tr\u00f2 c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng<\/strong><\/p>\n

Theo c\u00e1c chuy\u00ean gia, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n v\u00e0ng nh\u1edd nh\u1eefng \u0111i\u1ec1u ki\u1ec7n l\u00fd t\u01b0\u1edfng nh\u01b0: N\u1ec1n kinh t\u1ebf \u0111ang trong giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n, quy m\u00f4 d\u00e2n s\u1ed1 \u0111\u1ea1t ng\u01b0\u1ee1ng g\u1ea7n 95 tri\u1ec7u d\u00e2n v\u1edbi t\u1ef7 l\u1ec7 d\u00e2n s\u1ed1 trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng chi\u1ebfm 52%; Nh\u00f3m lao \u0111\u1ed9ng c\u00f3 xu h\u01b0\u1edbng chi ti\u00eau v\u01b0\u1ee3t m\u1ee9c l\u01b0\u01a1ng, \u0111\u1ed3ng th\u1eddi chuy\u1ec3n \u0111\u1ed5i h\u00e0nh vi t\u1eeb ti\u1ebft ki\u1ec7m sang mua s\u1eafm v\u00e0 chuy\u1ec3n t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t sang t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng.<\/p>\n

T.S C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia kinh t\u1ebf cho bi\u1ebft, t\u00ednh \u0111\u1ebfn cu\u1ed1i n\u0103m 2016, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0 646.000 t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm 11,7% t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a n\u1ec1n kinh t\u1ebf. C\u00f2n theo d\u1ef1 b\u00e1o m\u1edbi nh\u1ea5t c\u1ee7a C\u00f4ng ty ch\u1ee9ng kho\u00e1n B\u1ea3n Vi\u1ec7t (VCSC), quy m\u00f4 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng s\u1ebd \u0111\u1ea1t m\u1ed1c 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng v\u00e0o n\u0103m 2019. Tuy nhi\u00ean, v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng li\u00ean t\u1ee5c 20% – 30%\/n\u0103m t\u1eeb n\u0103m 2010, con s\u1ed1 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng c\u00f3 th\u1ec3 s\u1ebd c\u00f2n \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1edbm h\u01a1n so v\u1edbi d\u1ef1 b\u00e1o.<\/p>\n

\u00d4ng Nguy\u1ec5n T\u00fa Anh, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, NHNN cho hay, c\u00f9ng v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf, t\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng trong t\u1ed5ng GDP c\u1ee7a Vi\u1ec7t Nam li\u00ean t\u1ee5c t\u0103ng cao. C\u1ee5 th\u1ec3, t\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng trong t\u1ed5ng GDP c\u1ee7a Vi\u1ec7t Nam \u0111\u00e3 t\u0103ng phi m\u00e3 t\u1eeb 52,5% v\u00e0o n\u0103m 2005 l\u00ean \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 khi\u1ebfn ch\u1ec9 s\u1ed1 n\u00e0y 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. Tuy nhi\u00ean, theo b\u00e1o c\u00e1o m\u1edbi nh\u1ea5t v\u00e0o th\u00e1ng 6\/2017 c\u1ee7a Stoxplus, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a Vi\u1ec7t Nam (9,8%) v\u1eabn c\u00f2n th\u1ea5p so v\u1edbi c\u00e1c n\u01b0\u1edbc kh\u00e1c nh\u01b0 Malaysia (14%), Anh (16%), M\u1ef9 (23%) n\u00ean d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n v\u1eabn c\u00f2n r\u1ea5t l\u1edbn.<\/p>\n

\"\"<\/p>\n

Ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh b\u00e1n l\u1ebb, c\u01a1 h\u1ed9i th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng (\u1ea2nh: K.D)<\/p>\n

V\u1ec1 m\u1eb7t t\u00edch c\u1ef1c, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng, h\u1ee3p l\u00fd h\u00f3a qu\u00e1 tr\u00ecnh lu\u00e2n chuy\u1ec3n h\u00e0ng h\u00f3a tr\u00ean th\u1ecb tr\u01b0\u1eddng; Gi\u00fap t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n vay ng\u00e2n h\u00e0ng, g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d; Gi\u00fap ng\u01b0\u1eddi ngh\u00e8o, ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p c\u00f3 \u0111i\u1ec1u ki\u1ec7n t\u00edch l\u0169y t\u00e0i s\u1ea3n\u2026 nh\u1edd s\u1ef1 linh ho\u1ea1t, \u0111\u00e1p \u1ee9ng nhanh, k\u1ecbp th\u1eddi nhu c\u1ea7u ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh v\u1edbi nhi\u1ec1u s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 \u0111a d\u1ea1ng, phong ph\u00fa.<\/p>\n

Gi\u1ea3i ph\u00e1p m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng<\/strong><\/p>\n

C\u00e1c \u0111\u1ea1i bi\u1ec3u tham d\u1ef1 t\u1ecda \u0111\u00e0m c\u0169ng ghi nh\u1eadn nh\u1eefng n\u1ed7 l\u1ef1c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong nh\u1eefng n\u0103m v\u1eeba qua.<\/p>\n

Trong \u0111\u00f3, \u0111\u00e1ng k\u1ec3 nh\u1ea5t l\u00e0 vi\u1ec7c l\u00e3i su\u1ea5t cho vay trung b\u00ecnh t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) \u0111\u00e3 gi\u1ea3m m\u1ea1nh so v\u1edbi giai \u0111o\u1ea1n \u0111\u1ea7u. C\u00e1c CTTC c\u0169ng h\u1ee3p t\u00e1c v\u1edbi nhi\u1ec1u nh\u00e0 b\u00e1n l\u1ebb \u0111\u1ec3 \u0111\u1ed3ng lo\u1ea1t tri\u1ec3n khai nhi\u1ec1u s\u1ea3n ph\u1ea9m \u01b0u \u0111\u00e3i d\u00e0nh cho kh\u00e1ch h\u00e0ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t r\u1ea5t th\u1ea5p, th\u1eadm ch\u00ed c\u00f3 c\u1ea3 nh\u1eefng s\u1ea3n ph\u1ea9m v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 0% trong su\u1ed1t th\u1eddi h\u1ea1n vay, gi\u00fap k\u00edch c\u1ea7u v\u00e0 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u00e1n l\u1ebb m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd.<\/p>\n

\u0110\u1ec1 xu\u1ea5t c\u00e1c gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u00f4ng Nguy\u1ec5n T\u00fa Anh \u0111\u1eb7c bi\u1ec7t nh\u1ea5n m\u1ea1nh \u0111\u1ebfn vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro v\u1ee1 n\u1ee3. C\u00e1c CTTC c\u1ea7n n\u00e2ng cao quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh, \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, l\u1ecbch s\u1eed vay v\u00e0 tr\u1ea3 v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 tr\u00e1nh nh\u1eefng xung \u0111\u1ed9t x\u00e3 h\u1ed9i.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng c\u0169ng cho r\u1eb1ng: Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 15\/3\/2017 c\u00f3 nh\u1eefng t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, gi\u00fap b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ed3ng th\u1eddi t\u1ea1o m\u00f4i tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh cho th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam. Tuy nhi\u00ean, c\u00e1c CTTC v\u1eabn c\u1ea7n x\u00e1c \u0111\u1ecbnh kinh doanh ph\u1ea3i uy t\u00edn,b\u00e0i b\u1ea3n v\u00e0 lu\u00f4n \u0111\u1eb7t quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u1edf m\u1ee9c cao nh\u1ea5t.<\/em><\/p>\n

TS C\u1ea5n V\u0103n L\u1ef1c c\u0169ng nh\u1ea5n m\u1ea1nh, mu\u1ed1n ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, NHNN, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc\u2026 kh\u00f4ng ch\u1ec9 c\u1ea7n ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd m\u00e0 c\u00f2n ph\u1ea3i t\u0103ng c\u01b0\u1eddng gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh, n\u00e2ng cao nh\u1eadn th\u1ee9c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 v\u0103n h\u00f3a ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n theo xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n chung c\u1ee7a th\u1ebf gi\u1edbi.\/.<\/p>\n

Kim Dung<\/strong><\/p>\n

————————————————–<\/p>\n

\u0110\u1ea3ng C\u1ed9ng s\u1ea3n (Kinh t\u1ebf) 12-7-2017:<\/em><\/strong><\/p>\n

http:\/\/www.dangcongsan.vn\/kinh-te\/phat-trien-tai-chinh-ban-le-co-hoi-thuc-day-tieu-dung-445655.html<\/a><\/em><\/p>\n

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

(\u0111c) – Ng\u00e0y 12\/7, t\u1ea1i H\u00e0 N\u1ed9i \u0111\u00e3 di\u1ec5n ra T\u1ecda \u0111\u00e0m “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 Vi\u1ec7t Nam\u201d do B\u00e1o \u0110\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c. Quang c\u1ea3nh bu\u1ed5i t\u1ecda \u0111\u00e0m (\u1ea2nh: K.D) T\u1ea1i t\u1ecda \u0111\u00e0m, c\u00e1c \u0111\u1ea1i bi\u1ec3u \u0111\u00e3 c\u00f9ng nhau th\u1ea3o […]<\/p>\n","protected":false},"author":1,"featured_media":26151,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26149","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.414. 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