{"id":26844,"date":"2017-07-24T17:04:19","date_gmt":"2017-07-24T10:04:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26844"},"modified":"2022-06-14T17:07:07","modified_gmt":"2022-06-14T10:07:07","slug":"1-441-de-tai-chinh-tieu-dung-phat-trien-dung-tiem-nang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-441-de-tai-chinh-tieu-dung-phat-trien-dung-tiem-nang\/","title":{"rendered":"1.441. \u0110\u1ec3 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n \u0111\u00fang ti\u1ec1m n\u0103ng"},"content":{"rendered":"(ND) – Ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh b\u00e1n l\u1ebb th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ed9ng l\u1ef1c gi\u00fap n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng, 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\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Tuy nhi\u00ean, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng n\u00e0y ho\u1ea1t \u0111\u1ed9ng m\u1ed9t c\u00e1ch l\u00e0nh m\u1ea1nh, hi\u1ec7u qu\u1ea3, c\u1ea7n ho\u00e0n thi\u1ec7n h\u01a1n n\u1eefa khung kh\u1ed5 ph\u00e1p l\u00fd c\u0169ng nh\u01b0 n\u00e2ng cao nh\u1eadn th\u1ee9c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, v\u0103n h\u00f3a ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/strong><\/p>\n

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Ti\u1ec1m n\u0103ng m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng<\/strong><\/p>\n

Theo c\u00e1c chuy\u00ean gia kinh t\u1ebf, 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 r\u1ea5t l\u1edbn 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. Theo Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) Nguy\u1ec5n T\u00fa Anh, 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 v\u00e0 \u0111\u00e3 g\u00f3p ph\u1ea7n kh\u00f4ng nh\u1ecf trong vi\u1ec7c th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng GDP.<\/p>\n

Chuy\u00ean gia kinh t\u1ebf, TS C\u1ea5n V\u0103n L\u1ef1c c\u0169ng 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 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 28 t\u1ef7 USD), chi\u1ebfm 11,7% t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a n\u1ec1n kinh t\u1ebf. 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 m\u1ed9t tri\u1ec7u t\u1ef7 \u0111\u1ed3ng v\u00e0o n\u0103m 2019. M\u1eb7t kh\u00e1c, v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng li\u00ean t\u1ee5c t\u1eeb 20% \u0111\u1ebfn 30%\/n\u0103m t\u1eeb n\u0103m 2010, con s\u1ed1 m\u1ed9t tri\u1ec7u t\u1ef7 \u0111\u1ed3ng c\u00f3 th\u1ec3 s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1edbm h\u01a1n so d\u1ef1 b\u00e1o.<\/p>\n

Tuy \u0111\u1ea1t m\u1ee9c t\u0103ng tr\u01b0\u1edfng nh\u01b0 v\u1eady, nh\u01b0ng theo Gi\u00e1m \u0111\u1ed1c Trung t\u00e2m ti\u1ebfp th\u1ecb FE Credit \u0110\u1eb7ng Thanh H\u00f9ng, t\u1ef7 l\u1ec7 cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam v\u1eabn th\u1ea5p h\u01a1n so m\u1eb7t b\u1eb1ng chung c\u1ee7a c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi. D\u1eabn b\u00e1o c\u00e1o m\u1edbi nh\u1ea5t v\u00e0o th\u00e1ng 6-2017 do Stoxplus th\u1ef1c hi\u1ec7n, \u00f4ng \u0110\u1eb7ng Thanh H\u00f9ng cho bi\u1ebft: Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 b\u01b0\u1edbc t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. C\u1ee5 th\u1ec3, t\u1ed5ng d\u01b0 n\u1ee3\/GDP c\u1ee7a to\u00e0n ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0o n\u0103m 2012 \u0111\u1ea1t 7,3 t\u1ef7 USD v\u00e0 \u0111\u00e3 t\u0103ng ch\u1ea1m ng\u01b0\u1ee1ng 26,55 t\u1ef7 USD v\u00e0o n\u0103m 2016. Tuy v\u1eady, t\u1ef7 l\u1ec7 t\u1ed5ng d\u01b0 n\u1ee3\/GDP c\u1ee7a Vi\u1ec7t Nam c\u0169ng m\u1edbi ch\u1ec9 d\u1eebng \u1edf d\u01b0\u1edbi m\u1ee9c 9,8% v\u00e0o cu\u1ed1i n\u0103m 2016, trong khi \u1edf c\u00e1c n\u01b0\u1edbc kh\u00e1c nh\u01b0 Ma-lai-xi-a, Anh, M\u1ef9 t\u1ed5ng d\u01b0 n\u1ee3\/GDP c\u1ee7a to\u00e0n ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng chi\u1ebfm l\u1ea7n l\u01b0\u1ee3t l\u00e0 14%, 16% v\u00e0 23%. Do \u0111\u00f3 c\u00f3 th\u1ec3 th\u1ea5y, d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u1edf n\u01b0\u1edbc ta v\u1eabn c\u00f2n r\u1ea5t l\u1edbn.<\/p>\n

C\u1ea7n c\u00f3 s\u1ef1 n\u1ed7 l\u1ef1c t\u1ed5ng th\u1ec3<\/strong><\/p>\n

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, nh\u1ea5t 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 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. Vai tr\u00f2 c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn, tuy nhi\u00ean, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng n\u00e0y ph\u00e1t tri\u1ec3n m\u1ed9t c\u00e1ch b\u00e0i b\u1ea3n, l\u00e0nh m\u1ea1nh, v\u1eabn c\u1ea7n c\u00f3 nh\u00ecn nh\u1eadn \u0111\u00fang v\u1ec1 vai tr\u00f2 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC), t\u1eeb ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng nh\u01b0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd.<\/p>\n

\u0110\u01a1n c\u1eed nh\u01b0 hi\u1ec7n nay, s\u1ef1 ch\u00eanh l\u1ec7ch gi\u1eefa l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) v\u1edbi c\u00e1c CTTC \u0111ang khi\u1ebfn cho nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n b\u0103n kho\u0103n. Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Ph\u1ea1m Xu\u00e2n H\u00f2e cho bi\u1ebft: V\u00ec \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 CTTC ti\u00eau d\u00f9ng r\u1ea5t kh\u00e1c NHTM, cho n\u00ean kh\u00f4ng th\u1ec3 so s\u00e1nh m\u1ee9c l\u00e3i su\u1ea5t c\u1ee7a hai t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00e0y v\u1edbi nhau. C\u00e1c NHTM t\u1eadp trung v\u00e0o nh\u00f3m kh\u00e1ch h\u00e0ng \u0111\u1ea1t chu\u1ea9n v\u1ec1 \u0111i\u1ec1u ki\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng v\u00e0 cung c\u1ea5p c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, g\u00f3i vay l\u1edbn n\u00ean r\u1ee7i ro th\u1ea5p h\u01a1n, k\u00e9o theo m\u1ee9c l\u00e3i su\u1ea5t c\u0169ng s\u1ebd th\u1ea5p h\u01a1n. Trong khi \u0111\u00f3, c\u00e1c CTTC h\u01b0\u1edbng \u0111\u1ebfn ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng g\u1ed3m nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng \u201cd\u01b0\u1edbi chu\u1ea9n\u201d, kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng. B\u00ean c\u1ea1nh \u0111\u00f3, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro khi cho vay c\u1ee7a c\u00e1c CTTC cao h\u01a1n n\u00ean ph\u1ea7n b\u00f9 r\u1ee7i ro trong y\u1ebfu t\u1ed1 c\u1ea5u th\u00e0nh l\u00e3i su\u1ea5t t\u0103ng cao. Chi ph\u00ed v\u1ed1n \u0111\u1ea7u v\u00e0o c\u1ee7a c\u00e1c CTTC lu\u00f4n \u1edf m\u1ee9c cao n\u00ean l\u00e3i su\u1ea5t cho vay c\u0169ng cao t\u01b0\u01a1ng \u1ee9ng. Chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng tr\u00ean m\u1ed9t kho\u1ea3n vay c\u0169ng \u1edf m\u1ee9c cao… Do \u0111\u00f3 d\u1eabn \u0111\u1ebfn vi\u1ec7c c\u00e1c CTTC bu\u1ed9c ph\u1ea3i \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n NHTM.<\/p>\n

Tuy nhi\u00ean, m\u1ee9c l\u00e3i su\u1ea5t cao c\u1ee7a c\u00e1c CTTC c\u0169ng g\u00e2y nhi\u1ec1u lo l\u1eafng khi b\u00e0i h\u1ecdc v\u1ec1 s\u1ef1 \u0111\u1ed5 v\u1ee1 c\u1ee7a c\u00e1c CTTC t\u1ea1i nhi\u1ec1u n\u01b0\u1edbc th\u1eddi k\u1ef3 kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh ch\u00e2u \u00c1 n\u0103m 1997 v\u1eabn c\u00f2n \u0111\u00f3. \u0110\u1ec3 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u0111\u1ed3ng ch\u00ed Nguy\u1ec5n T\u00fa Anh \u0111\u1ec1 xu\u1ea5t nhi\u1ec1u gi\u1ea3i ph\u00e1p; trong \u0111\u00f3 nh\u1ea5n m\u1ea1nh 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. \u201cTh\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 vay ti\u00eau d\u00f9ng s\u1ebd ng\u00e0y c\u00e0ng m\u1edf r\u1ed9ng. 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 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 h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt c\u1ea7n quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd 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. 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 cao nh\u1ea5t cho 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\u2026 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\u201d – Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 NHNN Nguy\u1ec5n T\u00fa Anh ki\u1ebfn ngh\u1ecb.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 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 ng\u00e0y 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>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, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc kh\u00f4ng ch\u1ec9 c\u1ea7n ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd m\u00e0 c\u00f2n c\u1ea7n t\u0103ng c\u01b0\u1eddng 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

B\u00e0i v\u00e0 \u1ea3nh: H\u1ed2NG AN<\/em><\/strong><\/p>\n

——————————————-<\/p>\n

Nh\u00e2n D\u00e2n (Kinh t\u1ebf) 24-7-2017:<\/em><\/strong><\/p>\n

http:\/\/www.nhandan.com.vn\/kinhte\/item\/33559702-de-tai-chinh-tieu-dung-phat-trien-dung-tiem-nang.html<\/a><\/em><\/p>\n

(101\/1.389)<\/em>","protected":false},"excerpt":{"rendered":"

(ND) – Ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh b\u00e1n l\u1ebb th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ed9ng l\u1ef1c gi\u00fap n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng, 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\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Tuy nhi\u00ean, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng n\u00e0y ho\u1ea1t \u0111\u1ed9ng m\u1ed9t c\u00e1ch l\u00e0nh […]<\/p>\n","protected":false},"author":1,"featured_media":26845,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.441. \u0110\u1ec3 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n \u0111\u00fang 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\/tieng-viet-1-441-de-tai-chinh-tieu-dung-phat-trien-dung-tiem-nang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.441. \u0110\u1ec3 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n \u0111\u00fang ti\u1ec1m n\u0103ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ND) – Ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh b\u00e1n l\u1ebb th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ed9ng l\u1ef1c gi\u00fap n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng, 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\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d. 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