{"id":26272,"date":"2017-07-12T19:29:37","date_gmt":"2017-07-12T12:29:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26272"},"modified":"2022-06-19T10:02:35","modified_gmt":"2022-06-19T03:02:35","slug":"1-415-tin-dung-tieu-dung-van-cho-khai-pha-tiem-nang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-415-tin-dung-tieu-dung-van-cho-khai-pha-tiem-nang\/","title":{"rendered":"1.415. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: V\u1eabn ch\u1edd khai ph\u00e1 ti\u1ec1m n\u0103ng"},"content":{"rendered":"<strong>(HQ)-\u00a0Th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam v\u1eabn c\u00f2n nhi\u1ec1u c\u01a1 h\u1ed9i v\u00e0 ti\u1ec1m n\u0103ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n. V\u00ec th\u1ebf, v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng l\u00e0 c\u00e1c c\u00f4ng ty, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh bi\u1ebft n\u1eafm b\u1eaft c\u01a1 h\u1ed9i \u0111\u1ec3 khai th\u00e1c.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-26277 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/14-3-450x300.jpg\" alt=\"\" width=\"450\" height=\"300\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/14-3-450x300.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/14-3.jpg 500w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>Cho vay ti\u00eau d\u00f9ng \u0111ang c\u00f3 t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n m\u1ea1nh nh\u01b0ng c\u1ea7n c\u00f3 c\u00f4ng c\u1ee5 \u0111\u1ec3 qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n. \u1ea2nh: Internet<\/p>\n<p>\u0110\u00e2y l\u00e0 kh\u1eb3ng \u0111\u1ecbnh c\u1ee7a c\u00e1c chuy\u00ean gia t\u1ea1i T\u1ecda \u0111\u00e0m v\u1ec1 \u201cPh\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh b\u00e1n l\u1ebb &#8211; 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 \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c v\u00e0o s\u00e1ng 12\/7 t\u1ea1i H\u00e0 N\u1ed9i.<\/p>\n<p>Theo \u00f4ng Nguy\u1ec5n T\u00fa Anh, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch chi\u1ebfn l\u01b0\u1ee3c, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), cho vay ti\u00eau d\u00f9ng \u0111\u00f3ng g\u00f3p l\u1edbn \u0111\u1ed1i v\u1edbi t\u0103ng tr\u01b0\u1edfng 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. T\u1ef7 l\u1ec7 n\u00e0y \u0111\u1ea1t kho\u1ea3ng 73% v\u00e0o n\u0103m 2016. T\u1ea1i khu v\u1ef1c ch\u00e2u \u00c1, 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>B\u00e1o c\u00e1o n\u0103m 2016 v\u1ec1 t\u1ed5ng quan to\u00e0n ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam do StoxPlus th\u1ef1c hi\u1ec7n, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 ch\u1ee9ng ki\u1ebfn nhi\u1ec1u c\u00fa nh\u1ea3y v\u1ecdt \u0111\u00e1ng kinh ng\u1ea1c trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. Nh\u1ea5t l\u00e0 khi quy m\u00f4 d\u00e2n s\u1ed1 c\u1ee7a Vi\u1ec7t Nam l\u00e0 tr\u00ean 92 tri\u1ec7u d\u00e2n nh\u01b0ng c\u00f3 t\u1edbi 70% d\u00e2n s\u1ed1 \u0111ang trong \u0111\u1ed1 tu\u1ed5i 15-64, trong \u0111\u00f3 kho\u1ea3ng 50-60% d\u00e2n s\u1ed1 c\u00f3 thu nh\u1eadp trung b\u00ecnh th\u1ea5p, n\u00ean c\u00f3 nhu c\u1ea7u cao v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, v\u1ec1 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd, t\u1eeb n\u0103m 2016, NHNN \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. Theo \u00f4ng Nguy\u1ec5n T\u00fa Anh, \u0111i\u1ec1u n\u00e0y kh\u00f4ng nh\u1eefng t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng m\u00e0 c\u00f2n b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111i vay tr\u01b0\u1edbc nguy c\u01a1 v\u1ee1 n\u1ee3 l\u00ean cao, v\u1edbi nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 minh b\u1ea1ch l\u00e3i su\u1ea5t, \u0111\u01b0a ra h\u1ea1n m\u1ee9c vay\u2026<\/p>\n<p><em>C\u0169ng 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 ANVI cho r\u1eb1ng, cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n g\u00f3p ph\u1ea7n gi\u1ea3m cho vay n\u1eb7ng l\u00e3i, t\u00edn d\u1ee5ng \u0111en. Hi\u1ec7n vay ti\u00eau d\u00f9ng c\u00f3 3 k\u00eanh ch\u00ednh l\u00e0: c\u1ea7m \u0111\u1ed3, 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. Tuy v\u1eady, t\u00ednh c\u1ea1nh tranh c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y ch\u01b0a cao. C\u1ea3 n\u01b0\u1edbc ch\u1ec9 c\u00f3 5-6 c\u00f4ng ty cho vay ti\u00eau d\u00f9ng song 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>\u0110\u1eb7c bi\u1ec7t, kh\u00f4ng \u00edt \u00fd ki\u1ebfn ph\u1ea3n \u00e1nh v\u1ec1 vi\u1ec7c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay c\u00f2n kh\u00e1 cao, ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u0111\u1ea1i \u0111a s\u1ed1 nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u01b0\u1eddi d\u00e2n v\u00f9ng n\u00f4ng th\u00f4n.<\/p>\n<p>Kh\u00f4ng \u0111\u1ed3ng t\u00ecnh v\u1edbi quan \u0111i\u1ec3m n\u00e0y, \u00f4ng 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 cho bi\u1ebft, m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh x\u00e9t v\u1ec1 b\u1ea3n ch\u1ea5t l\u00e0 s\u1ef1 \u0111\u00e1p \u1ee9ng quan tr\u1ecdng cho ph\u00e2n kh\u00fac nh\u00f3m kh\u00e1ch h\u00e0ng ti\u00eau d\u00f9ng c\u0169ng nh\u01b0 n\u00f3 l\u00e0 k\u00eanh ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c nh\u00e0 n\u01b0\u1edbc qu\u1ea3n l\u00fd, c\u00f3 thu nh\u1eadp v\u00e0 \u0111\u00f3ng thu\u1ebf, thay v\u00ec \u0111\u1ec3 nh\u00f3m kh\u00e1ch h\u00e0ng ti\u1ebfp c\u1eadn k\u00eanh t\u00edn d\u1ee5ng \u0111en mang \u0111\u1ebfn nhi\u1ec1u r\u1ee7i ro cho tr\u1eadt t\u1ef1 an ninh, x\u00e3 h\u1ed9i.<\/p>\n<p>Ph\u00e2n t\u00edch r\u00f5 h\u01a1n, \u00f4ng H\u00f2e cho r\u1eb1ng, l\u00e3i vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cao h\u01a1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i do \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ee5c v\u1ee5 kh\u00e1c, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng h\u01b0\u1edbng t\u1edbi kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ee7 chu\u1ea9n \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n ng\u00e2n h\u00e0ng, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, thu nh\u1eadp kh\u00f4ng \u1ed5n \u0111\u1ecbnh n\u00ean r\u1ee7i ro cao h\u01a1n. H\u01a1n n\u1eefa, chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cao h\u01a1n v\u00ec kh\u00f4ng huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c v\u1ed1n t\u1eeb d\u00e2n c\u01b0 m\u00e0 ph\u1ea3i l\u00e0 ngu\u1ed3n v\u1ed1n t\u1ef1 c\u00f3, v\u1ed1n \u0111i vay l\u1ea1i, ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu.<\/p>\n<p>Tuy nhi\u00ean, th\u1ef1c t\u1ebf cho th\u1ea5y l\u0129nh v\u1ef1c n\u00e0y v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 bi\u1ebfn t\u01b0\u1edbng, nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p v\u1eabn ho\u1ea1t \u0111\u1ed9ng n\u00ean c\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb c\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n c\u00f3 th\u00eam c\u00f4ng c\u1ee5 \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng. \u0110\u1eb7c bi\u1ec7t, c\u00e1c chuy\u00ean gia \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a vi\u1ec7c n\u00e2ng cao nh\u1eadn th\u1ee9c c\u1ee7a c\u1ed9ng \u0111\u1ed3ng v\u1ec1 t\u00e0i ch\u00ednh, trong \u0111\u00f3 l\u00e0 tri\u1ec3n khai quy\u1ebft li\u1ec7t c\u00e1c nhi\u1ec7m v\u1ee5 c\u1ee7a \u0110\u1ec1 \u00e1n 1726 v\u1ec1 n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t.<\/p>\n<p><strong>H\u01b0\u01a1ng D\u1ecbu<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>H\u1ea3i Quan (Kinh t\u1ebf) 12-7-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/www.baohaiquan.vn\/pages\/tin-dung-tieu-dung-van-cho-khai-pha-tiem-nang.aspx\">http:\/\/www.baohaiquan.vn\/pages\/tin-dung-tieu-dung-van-cho-khai-pha-tiem-nang.aspx<\/a><\/em><\/p>\n<p><em>(103\/833)<\/em>","protected":false},"excerpt":{"rendered":"<p>(HQ)-\u00a0Th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam v\u1eabn c\u00f2n nhi\u1ec1u c\u01a1 h\u1ed9i v\u00e0 ti\u1ec1m n\u0103ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n. V\u00ec th\u1ebf, v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng l\u00e0 c\u00e1c c\u00f4ng ty, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh bi\u1ebft n\u1eafm b\u1eaft c\u01a1 h\u1ed9i \u0111\u1ec3 khai th\u00e1c. Cho vay ti\u00eau d\u00f9ng \u0111ang c\u00f3 t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n m\u1ea1nh nh\u01b0ng c\u1ea7n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26272","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>1.415. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: V\u1eabn ch\u1edd khai ph\u00e1 ti\u1ec1m n\u0103ng - 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\/1-415-tin-dung-tieu-dung-van-cho-khai-pha-tiem-nang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.415. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: V\u1eabn ch\u1edd khai ph\u00e1 ti\u1ec1m n\u0103ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(HQ)-\u00a0Th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam v\u1eabn c\u00f2n nhi\u1ec1u c\u01a1 h\u1ed9i v\u00e0 ti\u1ec1m n\u0103ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n. 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