{"id":27015,"date":"2017-12-18T10:08:26","date_gmt":"2017-12-18T03:08:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27015"},"modified":"2022-06-16T15:07:14","modified_gmt":"2022-06-16T08:07:14","slug":"1-650-can-de-mat-toi-tin-dung-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-650-can-de-mat-toi-tin-dung-tieu-dung\/","title":{"rendered":"1.650. C\u1ea7n \u201c\u0111\u1ec3 m\u1eaft\u201d t\u1edbi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng"},"content":{"rendered":"(TN) – <\/strong>M\u1eb7c d\u00f9 m\u1ee9c l\u00e3i su\u1ea5t lu\u00f4n cao h\u01a1n so t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng, nh\u1ea5t l\u00e0 khi kho\u1ea3n vay \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC), nh\u01b0ng do th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00ean nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u1eabn l\u1ef1a ch\u1ecdn t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng (TDTD), khi\u1ebfn d\u01b0 n\u1ee3 l\u0129nh v\u1ef1c n\u00e0y kh\u00f4ng ng\u1eebng gia t\u0103ng.<\/strong><\/p>\n

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Nhi\u1ec1u ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng cho nhu c\u1ea7u mua s\u1eafm b\u1edfi th\u1ee7 t\u1ee5c vay \u0111\u01a1n gi\u1ea3n. \u1ea2nh: N.NAM<\/em><\/p>\n\n\n\n\n\n
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T\u1ea1i TP H\u1ed3 Ch\u00ed Minh, theo Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) chi nh\u00e1nh TP H\u1ed3 Ch\u00ed Minh Nguy\u1ec5n Ho\u00e0ng Minh, d\u01b0 n\u1ee3 TDTD tr\u00ean \u0111\u1ecba b\u00e0n t\u0103ng m\u1ea1nh trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. C\u1ee5 th\u1ec3, giai \u0111o\u1ea1n t\u1eeb 2012 – 2016, b\u00ecnh qu\u00e2n d\u01b0 n\u1ee3 TDTD c\u1ee7a TP H\u1ed3 Ch\u00ed Minh t\u0103ng t\u1eeb 20 – 22% m\u1ed7i n\u0103m. V\u1ec1 con s\u1ed1 c\u1ee5 th\u1ec3, ri\u00eang 10 th\u00e1ng \u0111\u1ea7u n\u0103m 2017, d\u01b0 n\u1ee3 TDTD chi\u1ebfm 12,2% trong t\u1ed5ng s\u1ed1 h\u01a1n 2 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng d\u01b0 n\u1ee3 c\u1ee7a c\u1ea3 th\u00e0nh ph\u1ed1, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 250.000 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

S\u1ed1 li\u1ec7u t\u1eeb \u1ee6y Ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh qu\u1ed1c gia (UBGSTCQG) c\u0169ng cho th\u1ea5y, TDTD ti\u1ebfp t\u1ee5c \u0111\u00e0 t\u0103ng m\u1ea1nh k\u1ec3 t\u1eeb \u0111\u1ea7u n\u0103m 2017. Trong 10 th\u00e1ng \u0111\u1ea7u n\u0103m 2017, t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng (CVTD) t\u0103ng kho\u1ea3ng 58,6% so cu\u1ed1i n\u0103m 2016. Cho vay ph\u1ee5c v\u1ee5 mua nh\u00e0 \u1edf; thu\u00ea, thu\u00ea mua nh\u00e0 \u1edf; x\u00e2y d\u1ef1ng, s\u1eeda ch\u1eefa nh\u00e0 \u1edf; nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 x\u00e2y nh\u00e0 \u1edf chi\u1ebfm t\u1ef7 tr\u1ecdng 52,9%, cho vay mua trang thi\u1ebft b\u1ecb gia \u0111\u00ecnh chi\u1ebfm 15,3%; cho vay mua ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i chi\u1ebfm 8,3%.<\/p>\n

Hi\u1ec7n c\u00f3 hai ph\u00e2n kh\u00fac r\u00f5 r\u1ec7t trong TDTD. Kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 chu\u1ea9n, trong khi kh\u00e1ch h\u00e0ng c\u1ee7a CTTC l\u00e0 d\u01b0\u1edbi chu\u1ea9n, kh\u00f4ng quan t\u00e2m nhi\u1ec1u t\u1edbi \u201ct\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u201d, ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3, do v\u1eady c\u1ea7n c\u00f3 nh\u1eefng d\u1ecbch v\u1ee5 chuy\u00ean bi\u1ec7t, \u0111\u1eb7c th\u00f9 v\u00e0 l\u00e3i su\u1ea5t cho vay c\u0169ng cao h\u01a1n. Ch\u00ednh m\u1ee9c l\u00e3i su\u1ea5t CVTD t\u00edn ch\u1ea5p cao g\u1ea5p nhi\u1ec1u l\u1ea7n kho\u1ea3n vay th\u1ebf ch\u1ea5p th\u00f4ng th\u01b0\u1eddng, nh\u1ea5t l\u00e0 \u1edf c\u00e1c CTTC \u0111\u00e3 \u0111\u01b0a TDTD tr\u1edf th\u00e0nh m\u1ed9t k\u00eanh kinh doanh h\u1ea5p d\u1eabn.<\/p>\n

Tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i, b\u1ed1n CTTC g\u1ed3m: FE Credit, Home Credit, HD Saison v\u00e0 Prudential Finance, v\u1ed1n n\u1eafm \u0111\u1ebfn 80% th\u1ecb ph\u1ea7n TDTD, \u0111ang t\u00edch c\u1ef1c ch\u1ea1y \u0111ua trong vi\u1ec7c h\u00ecnh th\u00e0nh li\u00ean k\u1ebft v\u1edbi c\u00e1c doanh nghi\u1ec7p b\u00e1n l\u1ebb. Trong khi m\u1ed9t s\u1ed1 NHTM \u0111\u00e3 v\u00e0 \u0111ang mua l\u1ea1i CTTC \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i ch\u1ee9c n\u0103ng ho\u1ea1t \u0111\u1ed9ng v\u00e0 \u0111\u1ea9y m\u1ea1nh CVTD. S\u1edf d\u0129 l\u00e3i su\u1ea5t CVTD t\u00edn ch\u1ea5p c\u1ee7a c\u00e1c CTTC th\u01b0\u1eddng cao h\u01a1n so c\u00e1c NHTM, th\u1eadm ch\u00ed c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 70%\/n\u0103m, l\u00e0 do chi ph\u00ed v\u1ed1n c\u1ee7a CTTC cao khi kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng huy \u0111\u1ed9ng v\u1ed1n. B\u00ean c\u1ea1nh \u0111\u00f3, gi\u00e1 tr\u1ecb c\u1ee7a kho\u1ea3n vay th\u1ea5p, k\u1ef3 h\u1ea1n ng\u1eafn d\u1eabn \u0111\u1ebfn c\u00e1c chi ph\u00ed thu h\u1ed3i n\u1ee3, qu\u1ea3n l\u00fd kho\u1ea3n vay, chi ph\u00ed ph\u1ee5c v\u1ee5 cao h\u01a1n b\u00ecnh th\u01b0\u1eddng. H\u01a1n n\u1eefa, m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u1ee7a CTTC \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh cho nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c nhau t\u00f9y v\u00e0o ch\u1ea5t l\u01b0\u1ee3ng h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng v\u00e0 m\u1ee9c r\u1ee7i ro c\u1ee7a kho\u1ea3n vay t\u00edn ch\u1ea5p.<\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, C\u00f4ng ty Lu\u1eadt ANVI,<\/span> t\u1ef1 nguy\u1ec7n k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng vay TDTD \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u1ed3ng \u00fd v\u1edbi t\u1ea5t c\u1ea3 \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng, nh\u1ea5t l\u00e0 v\u1ec1 th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u00e3i su\u1ea5t trong h\u1ea1n c\u0169ng nh\u01b0 qu\u00e1 h\u1ea1n. Kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ecdc k\u1ef9, kh\u00f4ng t\u00ecm hi\u1ec3u v\u1ea5n \u0111\u1ec1 s\u1ebd ngh\u0129 m\u00ecnh b\u1ecb l\u1eeba khi ph\u1ea3i tr\u1ea3 m\u1ee9c n\u1ee3 m\u00e0 h\u1ecd kh\u00f4ng h\u1ec1 ngh\u0129 \u0111\u1ebfn. L\u00e3i su\u1ea5t, th\u1eddi h\u1ea1n vay, \u0111i\u1ec1u ki\u1ec7n vay, c\u00f4ng th\u1ee9c t\u00ednh to\u00e1n… t\u01b0\u01a1ng \u0111\u1ed1i c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng nh\u01b0ng ng\u01b0\u1eddi vay \u00edt quan t\u00e2m, kh\u00f4ng \u0111\u1ecdc k\u1ef9 s\u1ebd kh\u00f4ng hi\u1ec3u. \u0110\u1ebfn khi ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i, nh\u1ea5t l\u00e0 ph\u1ea3i \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i ph\u1ea1t tr\u1ea3 ch\u1eadm, t\u1ee9c \u00e1p m\u1ee9c l\u00e3i qu\u00e1 h\u1ea1n th\u00ec kh\u00e1ch h\u00e0ng m\u1edbi \u201cgi\u1eadt m\u00ecnh\u201d.<\/em><\/p>\n

C\u00f9ng quan \u0111i\u1ec3m n\u00e0y, chuy\u00ean gia kinh t\u1ebf – t\u00e0i ch\u00ednh L\u00ea Xu\u00e2n Ngh\u0129a cho r\u1eb1ng, ng\u01b0\u1eddi d\u00e2n c\u1ea7n t\u00ednh to\u00e1n k\u1ef9 v\u00e0 n\u1ebfu kh\u00f4ng c\u00f3 nhu c\u1ea7u th\u1eadt s\u1ef1 th\u00ec kh\u00f4ng n\u00ean s\u1eed d\u1ee5ng v\u1ed1n CVTD t\u00edn ch\u1ea5p, b\u1edfi l\u00e3i su\u1ea5t \u1edf m\u1ee9c cao. B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea7n ch\u00fa \u00fd r\u1ee7i ro n\u1ee3 x\u1ea5u n\u1ebfu \u1ed3 \u1ea1t \u0111\u1ea9y m\u1ea1nh TDTD.<\/p>\n

C\u00f2n theo chuy\u00ean gia kinh t\u1ebf Nguy\u1ec5n Ch\u00ed Hi\u1ebfu, TDTD t\u0103ng c\u00f3 \u0111i\u1ec3m t\u00edch c\u1ef1c, b\u1edfi ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 \u0111\u1ea9y m\u1ea1nh chi ti\u00eau v\u00e0 \u0111i\u1ec1u n\u00e0y t\u1ed1t cho n\u1ec1n kinh t\u1ebf, th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng. Tuy nhi\u00ean, vi\u1ec7c TDTD t\u0103ng m\u1ea1nh c\u0169ng s\u1ebd t\u0103ng r\u1ee7i ro cho h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, nh\u1ea5t l\u00e0 khi d\u00f2ng v\u1ed1n n\u00e0y ch\u1ea3y v\u00e0o nh\u1eefng l\u0129nh v\u1ef1c r\u1ee7i ro cao nh\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ch\u1ee9ng kho\u00e1n… Vi\u1ec7c \u0111\u1ea9y m\u1ea1nh cho vay c\u1ee7a c\u00e1c CTTC c\u00f3 th\u1ec3 khi\u1ebfn n\u1ee3 x\u1ea5u c\u1ee7a kh\u1ed1i n\u00e0y cao h\u01a1n n\u1ee3 x\u1ea5u c\u1ee7a kh\u1ed1i NH. Trong khi n\u1ee3 x\u1ea5u c\u1ee7a NH ph\u1ea7n nhi\u1ec1u l\u00e0 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m n\u00ean c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 x\u1eed l\u00fd, c\u00f2n v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u00ec r\u01a1i nhi\u1ec1u v\u00e0o CTTC, v\u00ec ph\u1ea7n l\u1edbn kho\u1ea3n CVTD l\u00e0 t\u00edn ch\u1ea5p, \u0111i\u1ec1u n\u00e0y t\u1ea1o r\u1ee7i ro cho n\u1ec1n kinh t\u1ebf.<\/p>\n

\u00d4ng Nguy\u1ec5n Ch\u00ed Hi\u1ebfu cho r\u1eb1ng, b\u1ea5t c\u1ee9 m\u1ed9t n\u1ec1n kinh t\u1ebf n\u00e0o, trong m\u1ed9t n\u0103m m\u00e0 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a m\u1ed9t l\u0129nh v\u1ef1c \u0111\u1ea1t h\u01a1n 10% \u0111\u1ec1u \u0111\u01b0\u1ee3c coi l\u00e0 t\u0103ng nhanh, \u0111\u1ed3ng ngh\u0129a r\u1ee7i ro l\u1edbn. Vi\u1ec7c TDTD t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 t\u0103ng t\u1edbi g\u1ea7n 60% ch\u1ec9 trong 11 th\u00e1ng l\u00e0 qu\u00e1 nhanh, c\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n ph\u1ea3i gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u00e1c CTTC kinh doanh trong m\u1ee9c \u0111\u1ed9 r\u1ee7i ro h\u1ee3p l\u00fd. \u1ede c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c CTTC ch\u1ec9 l\u00e0 1%, c\u00f2n \u1edf c\u00e1c n\u01b0\u1edbc \u0111ang ph\u00e1t tri\u1ec3n, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u1eeb 3-5% l\u00e0 cao song v\u1eabn ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c, nh\u01b0ng n\u1ebfu h\u01a1n 5% l\u00e0 trong t\u00ecnh tr\u1ea1ng b\u00e1o \u0111\u1ed9ng.<\/p>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, theo Th\u1ed1ng \u0111\u1ed1c NHNN L\u00ea Minh H\u01b0ng, c\u00f4ng t\u00e1c thanh tra t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 nhi\u1ec7m v\u1ee5 quan tr\u1ecdng s\u1ebd \u0111\u01b0\u1ee3c NHNN t\u0103ng c\u01b0\u1eddng trong th\u1eddi gian t\u1edbi \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m ho\u1ea1t \u0111\u1ed9ng CVTD c\u1ee7a c\u00e1c CTTC ti\u00eau d\u00f9ng l\u00e0 minh b\u1ea1ch, \u0111\u00fang ph\u00e1p lu\u1eadt. Ngo\u00e0i ra, trong c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc v\u1ec1 ti\u00eau d\u00f9ng, NHNN \u0111\u00e3 c\u00f3 nh\u00f3m gi\u1ea3i ph\u00e1p ri\u00eang \u0111\u1ec3 c\u01a1 c\u1ea5u l\u1ea1i c\u00e1c CTTC, c\u0169ng nh\u01b0 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1eb6NG H\u00c0 MY<\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/strong><\/p>\n

Th\u1eddi nay (Kinh t\u1ebf) 18-12-2107:<\/em><\/strong><\/p>\n

http:\/\/www.nhandan.com.vn\/baothoinay\/baothoinay-kinhte\/item\/35035502-can-%E2%80%9Cde-mat%E2%80%9D-toi-tin-dung-tieu-dung.html<\/a><\/em><\/p>\n

(137\/1.111)<\/em>","protected":false},"excerpt":{"rendered":"

(TN) – M\u1eb7c d\u00f9 m\u1ee9c l\u00e3i su\u1ea5t lu\u00f4n cao h\u01a1n so t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng, nh\u1ea5t l\u00e0 khi kho\u1ea3n vay \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC), nh\u01b0ng do th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00ean nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u1eabn l\u1ef1a ch\u1ecdn t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng (TDTD), khi\u1ebfn […]<\/p>\n","protected":false},"author":3,"featured_media":27019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.650. 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