{"id":26556,"date":"2018-05-18T15:39:27","date_gmt":"2018-05-18T08:39:27","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26556"},"modified":"2022-06-13T15:42:33","modified_gmt":"2022-06-13T08:42:33","slug":"1-829-tin-dung-tieu-dung-can-tac-vo-ay-nay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-829-tin-dung-tieu-dung-can-tac-vo-ay-nay\/","title":{"rendered":"1.829. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: C\u1ea9n t\u1eafc v\u00f4 \u00e1y n\u00e1y"},"content":{"rendered":"<strong>(NH) &#8211; \u201cN\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 l\u00e0 \u0111i\u1ec1u m\u1ea5u ch\u1ed1t \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng\u201d, m\u1ed9t chuy\u00ean gia l\u01b0u \u00fd.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-26560 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/29-3-450x281.jpg\" alt=\"\" width=\"450\" height=\"281\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/29-3-450x281.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/29-3.jpg 650w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>NHNN v\u1eeba c\u00f3 v\u0103n b\u1ea3n s\u1ed1 3436\/NHNN-TTGSNH y\u00eau c\u1ea7u c\u00e1c TCTD, chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, cho vay ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng t\u1ea1i c\u00e1c TCTD. M\u1ee5c \u0111\u00edch \u0111\u1ec3 ng\u0103n ng\u1eeba h\u00e0nh vi gian l\u1eadn, vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 cho vay ti\u00eau d\u00f9ng, cho vay ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng, b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a kh\u00e1ch h\u00e0ng, b\u1ea3o \u0111\u1ea3m an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng cho vay, an to\u00e0n ho\u1ea1t \u0111\u1ed9ng h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh\u2026 Tr\u01b0\u1edbc \u0111\u00f3 c\u01a1 quan \u0111i\u1ec1u h\u00e0nh c\u0169ng \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n y\u00eau c\u1ea7u c\u00e1c TCTD t\u0103ng c\u01b0\u1eddng th\u1ef1c hi\u1ec7n Ch\u1ec9 th\u1ecb s\u1ed1 07\/CT-NHNN \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay trong l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n<p>C\u00e1c chuy\u00ean gia c\u0169ng \u0111\u00e1nh gi\u00e1 cao Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN c\u1ee7a NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 15\/3\/2017 \u0111\u00e3 c\u00f3 nh\u1eefng t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c t\u1edbi 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 c\u00f4ng ty t\u00e0i ch\u00ednh 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.<\/p>\n<p>Li\u00ean ti\u1ebfp c\u00f3 nh\u1eefng ch\u1ea5n ch\u1ec9nh, l\u01b0u \u00fd t\u1eeb ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng nh\u01b0 c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean quan cho th\u1ea5y, d\u00f9 d\u01b0 \u0111\u1ecba th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f2n ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng t\u1ed1t th\u1eddi gian t\u1edbi song \u0111i c\u00f9ng v\u1edbi \u0111\u00f3 v\u1eabn l\u00e0 nh\u1eefng r\u1ee7i ro ti\u1ec1m \u1ea9n m\u00e0 n\u1ebfu kh\u00f4ng t\u1ec9nh t\u00e1o v\u00e0 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t, ng\u01b0\u1eddi ti\u00eau d\u00f9ng r\u1ea5t d\u1ec5 l\u0129nh h\u1eadu qu\u1ea3 kh\u00f4n l\u01b0\u1eddng.<\/p>\n<p>Vay ti\u00eau d\u00f9ng th\u01b0\u1eddng l\u00e0 cho vay kh\u00f4ng b\u1ea3o \u0111\u1ea3m, b\u1edfi th\u1ebf vi\u1ec7c \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, l\u1ecbch s\u1eed vay c\u0169ng nh\u01b0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng. Theo chuy\u00ean gia, tranh ch\u1ea5p s\u1ebd d\u1ec5 x\u1ea3y ra c\u00f3 y\u1ebfu t\u1ed1 t\u1eeb c\u1ea3 hai ph\u00eda: khi ng\u01b0\u1eddi cho vay \u0111\u1eb7t n\u1eb7ng vi\u1ec7c m\u1edf r\u1ed9ng s\u1ed1 l\u01b0\u1ee3ng cho vay, c\u1ea1nh tranh v\u1ec1 th\u1ecb ph\u1ea7n v\u00e0 b\u1ecf qua xem x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 c\u1ee7a kh\u00e1ch h\u00e0ng vay. Ng\u01b0\u1ee3c l\u1ea1i, \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ph\u1ea7n nhi\u1ec1u kh\u00f4ng trang b\u1ecb \u0111\u1ee7 ki\u1ebfn th\u1ee9c \u0111\u1ec3 hi\u1ec3u h\u1ebft c\u00e1c r\u1ee7i ro m\u00e0 kho\u1ea3n vay c\u00f3 th\u1ec3 mang t\u1edbi, d\u1eabn \u0111\u1ebfn n\u1ee3 n\u1ea7n.<\/p>\n<p>M\u1ed9t chuy\u00ean gia c\u0169ng th\u1eb3ng th\u1eafn nh\u00ecn nh\u1eadn, tr\u00ean th\u1ef1c t\u1ebf c\u00f3 m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh c\u1ed1 t\u00ecnh khi\u1ebfn cho h\u1ee3p \u0111\u1ed3ng ph\u1ee9c t\u1ea1p, s\u1eed d\u1ee5ng nhi\u1ec1u thu\u1eadt ng\u1eef t\u00e0i ch\u00ednh cao c\u1ea5p, d\u1eabn t\u1edbi kh\u00f3 hi\u1ec3u cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Hay ph\u1ed5 bi\u1ebfn kh\u00f4ng r\u00f5 r\u00e0ng v\u1ec1 m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng cho vay.<\/p>\n<p>M\u1edbi \u0111\u00e2y C\u1ee5c C\u1ea1nh tranh v\u00e0 B\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng (B\u1ed9 C\u00f4ng th\u01b0\u01a1ng) \u0111\u01b0a ra m\u1ed9t s\u1ed1 c\u1ea3nh b\u00e1o v\u1edbi kh\u00e1ch h\u00e0ng khi tham gia s\u1eed d\u1ee5ng cho vay ti\u00eau d\u00f9ng. Trong \u0111\u00f3 c\u00f3 r\u1ee7i ro khi tham gia g\u00f3i h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh v\u1edbi l\u00e3i su\u1ea5t 0%, ch\u1ec9 ph\u1ea3i tr\u1ea3 g\u00f3p ti\u1ec1n g\u1ed1c h\u00e0ng th\u00e1ng. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng l\u1ea7m t\u01b0\u1edfng m\u00ecnh c\u00f3 \u0111\u01b0\u1ee3c m\u00f3n vay \u01b0u \u0111\u00e3i n\u00ean d\u1ec5 d\u00e0ng quy\u1ebft \u0111\u1ecbnh \u0111\u1eb7t b\u00fat k\u00fd vay ti\u1ec1n trong khi ch\u01b0a th\u1eadt s\u1ef1 hi\u1ec3u v\u1ec1 t\u1ed5ng gi\u00e1 tr\u1ecb kho\u1ea3n vay c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111i k\u00e8m, hay n\u00f3i c\u00e1ch kh\u00e1c l\u00e0 kh\u00f4ng l\u01b0\u1eddng \u0111\u01b0\u1ee3c n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n so v\u1edbi gi\u00e1 tr\u1ecb c\u1ee7a kho\u1ea3n vay.<\/p>\n<p>Vi\u1ec7c th\u1eddi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng vay v\u00e0 l\u00e3i su\u1ea5t tr\u00ean t\u1eebng th\u1eddi h\u1ea1n c\u0169ng th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 cho kh\u00e1ch h\u00e0ng. Nh\u01b0 tr\u01b0\u1eddng h\u1ee3p n\u00f3i tr\u00ean, l\u00e3i su\u1ea5t h\u1ed7 tr\u1ee3 0%, nh\u01b0ng th\u01b0\u1eddng l\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng t\u1eeb 3-6 th\u00e1ng \u0111\u1ea7u, sau th\u1eddi gian n\u00e0y kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i ch\u1ecbu l\u00e3i r\u1ea5t cao. S\u1ed1 l\u00e3i n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n vay ban \u0111\u1ea7u, ch\u1ee9 kh\u00f4ng ph\u1ea3i tr\u00ean d\u01b0 n\u1ee3 \u0111\u00e3 gi\u1ea3m d\u1ea7n.<\/p>\n<p>\u201cKh\u00e1ch h\u00e0ng c\u0169ng ph\u1ea3i hi\u1ec3u r\u1eb1ng m\u1ee9c l\u00e3i su\u1ea5t s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 c\u00e2n b\u1eb1ng v\u1edbi r\u1ee7i ro tu\u1ef3 v\u00e0o s\u1ea3n ph\u1ea9m vay, th\u1eddi h\u1ea1n, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1eebng kh\u00e1ch h\u00e0ng c\u1ee5 th\u1ec3. V\u1edbi kh\u00e1ch h\u00e0ng c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t \u0111\u01b0\u1ee3c ghi nh\u1eadn t\u1ea1i CIC, h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7 r\u00f5 r\u00e0ng s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i h\u01a1n. Vay \u0111\u1ec3 s\u1ea3n xu\u1ea5t kinh doanh l\u00e3i su\u1ea5t s\u1ebd th\u1ea5p h\u01a1n vay ti\u00eau d\u00f9ng. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i bi\u1ebft \u0111i\u1ec1u n\u00e0y \u0111\u1ec3 tr\u00e1nh ph\u00e1t sinh c\u00e1c r\u1ee7i ro tranh ch\u1ea5p, khi\u1ebfu n\u1ea1i khi thanh to\u00e1n v\u1ec1 sau\u201d, m\u1ed9t chuy\u00ean gia khuy\u1ebfn ngh\u1ecb.<\/p>\n<p><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c chia s\u1ebb,\u00a0th\u01b0\u1eddng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh lu\u00f4n m\u1ea1nh tay h\u01a1n trong vi\u1ec7c thu h\u1ed3i v\u1ed1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u1ed1n v\u00e0 hi\u1ec7u qu\u1ea3 kinh doanh. Kh\u00e1ch h\u00e0ng vay s\u1ea3n xu\u1ea5t kinh doanh, trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gia h\u1ea1n, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n n\u1ee3\u2026 nh\u01b0ng v\u1edbi vay ti\u00eau d\u00f9ng g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m n\u00e0y. \u0110\u1ebfn h\u1ea1n m\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 n\u1ee3 th\u01b0\u1eddng b\u1ecb \u00e1p ch\u1ebf t\u00e0i n\u1eb7ng v\u00e0 nhanh, \u00edt c\u00f3 \u0111\u1ed9 tr\u1ec5.<\/em><\/p>\n<p><em>\u201cCh\u1eadm tr\u1ea3 n\u1ee3 trong vay ti\u00eau d\u00f9ng th\u00ec l\u00e3i t\u0103ng th\u00eam r\u1ea5t nhanh, ch\u1eb3ng m\u1ea5y ch\u1ed1c m\u00e0 l\u00e3i nhi\u1ec1u h\u01a1n g\u1ed1c. \u0110\u1eb7c bi\u1ec7t l\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u00f2n cho ph\u00e9p thu th\u00eam kho\u1ea3n l\u00e3i 10% t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n l\u00e3i ch\u1eadm tr\u1ea3 so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y\u201d, \u00f4ng \u0110\u1ee9c cho bi\u1ebft.<\/em><\/p>\n<p><strong>Khu\u00ea Nguy\u1ec5n<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (T\u00e0i ch\u1ec9nh \u2013 Ti\u1ec1n t\u1ec7) 18-5-2018:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/thoibaonganhang.vn\/tin-dung-tieu-dung-can-tac-vo-ay-nay-75891.html\">http:\/\/thoibaonganhang.vn\/tin-dung-tieu-dung-can-tac-vo-ay-nay-75891.html<\/a><\/em><\/p>\n<p><em>(140\/958)<\/em>","protected":false},"excerpt":{"rendered":"<p>(NH) &#8211; \u201cN\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 l\u00e0 \u0111i\u1ec1u m\u1ea5u ch\u1ed1t \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng\u201d, m\u1ed9t chuy\u00ean gia l\u01b0u \u00fd. NHNN v\u1eeba c\u00f3 v\u0103n b\u1ea3n s\u1ed1 3436\/NHNN-TTGSNH y\u00eau c\u1ea7u c\u00e1c TCTD, chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i ch\u1ea5n ch\u1ec9nh [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":26560,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26556","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>1.829. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: C\u1ea9n t\u1eafc v\u00f4 \u00e1y n\u00e1y - 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\/1-829-tin-dung-tieu-dung-can-tac-vo-ay-nay\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.829. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: C\u1ea9n t\u1eafc v\u00f4 \u00e1y n\u00e1y[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(NH) &#8211; \u201cN\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 l\u00e0 \u0111i\u1ec1u m\u1ea5u ch\u1ed1t \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng\u201d, m\u1ed9t chuy\u00ean gia l\u01b0u \u00fd. 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