{"id":28604,"date":"2017-05-09T08:42:28","date_gmt":"2017-05-09T01:42:28","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=28604"},"modified":"2022-06-20T14:58:31","modified_gmt":"2022-06-20T07:58:31","slug":"1-300-bung-no-dich-vu-tai-chinh-tieu-dung-co-hoi-cho-cac-tan-binh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-300-bung-no-dich-vu-tai-chinh-tieu-dung-co-hoi-cho-cac-tan-binh\/","title":{"rendered":"1.300. B\u00f9ng n\u1ed5 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: C\u01a1 h\u1ed9i cho c\u00e1c t\u00e2n binh"},"content":{"rendered":"<strong>(IFM) &#8211; <\/strong><strong>Nhu c\u1ea7u vay v\u1ed1n t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ty fintech \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd b\u00f9ng n\u1ed5 m\u1ea1nh.<\/strong><\/p>\n<p><strong>T\u00edn d\u1ee5ng \u0111en \u00e1p \u0111\u1ea3o k\u00eanh ch\u00ednh th\u1ed1ng<\/strong><\/p>\n<p>B\u00e1o c\u00e1o \u201cT\u1ed5ng quan v\u1ec1 th\u1ecb tr\u01b0\u1eddng cho vay\u00a0ti\u00eau d\u00f9ng\u00a0t\u1ea1i Vi\u1ec7t Nam: Nh\u1eefng thu\u1eadn l\u1ee3i v\u00e0 th\u00e1ch th\u1ee9c\u201d v\u1eeba \u0111\u01b0\u1ee3c Vi\u1ec7n Qu\u1ea3n tr\u1ecb kinh doanh (Tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc\u00a0Kinh t\u1ebf, \u0110\u1ea1i h\u1ecdc Qu\u1ed1c gia H\u00e0 N\u1ed9i) c\u00f4ng b\u1ed1 cho th\u1ea5y, c\u00e1c\u00a0ng\u00e2n h\u00e0ng\u00a0th\u01b0\u01a1ng m\u1ea1i v\u00e0 ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i chi\u1ebfm t\u1edbi 87% trong cung c\u1ea5p t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ch\u00ednh th\u1ee9c hi\u1ec7n nay. Trong khi \u0111\u00f3, c\u00e1c c\u00f4ng ty\u00a0t\u00e0i ch\u00ednh\u00a0chi\u1ebfm 12% v\u00e0 c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) ch\u1ec9 chi\u1ebfm 1%.<\/p>\n<p>\u0110i\u1ec3m \u0111\u00e1ng ch\u00fa \u00fd l\u00e0, tuy b\u00e1o c\u00e1o c\u00f3 \u0111\u1ec1 c\u1eadp k\u00eanh cho vay t\u1eeb c\u00e1c h\u00ecnh th\u1ee9c cho vay ch\u00ednh th\u1ee9c v\u00e0 c\u1ea3 phi ch\u00ednh th\u1ee9c nh\u01b0 h\u1ee5i, h\u1ecd, t\u00edn d\u1ee5ng \u0111en, c\u1ea7m \u0111\u1ed3\u2026, nh\u01b0ng kh\u00f4ng \u0111\u01b0a ra con s\u1ed1 th\u1ed1ng k\u00ea c\u1ee5 th\u1ec3.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-28605 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/1300-450x302.jpg\" alt=\"\" width=\"450\" height=\"302\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/1300-450x302.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/1300.jpg 593w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>B\u00ecnh lu\u1eadn 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, tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i qu\u1ed1c t\u1ebf Vi\u1ec7t Nam \u01b0\u1edbc t\u00ednh, quy m\u00f4 t\u00edn d\u1ee5ng c\u1ea7m \u0111\u1ed3 chi\u1ebfm kho\u1ea3ng 70% th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, trong khi 30% c\u00f2n l\u1ea1i thu\u1ed9c v\u1ec1 th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c.<\/em><\/p>\n<p><em>Lu\u1eadt s\u01b0 \u0110\u1ee9c l\u00fd gi\u1ea3i, ch\u1ec9 ri\u00eang trong m\u1ed9t v\u1ee5 \u00e1n ng\u00e2n h\u00e0ng, t\u00f2a k\u1ebft lu\u1eadn nh\u00f3m cho vay n\u1eb7ng l\u00e3i v\u00e0 ph\u1ea3i n\u1ed9p l\u1ea1i 9.000 t\u1ef7 \u0111\u1ed3ng. \u201cM\u1ed9t v\u1ee5 \u00e1n m\u00e0 \u0111\u00e3 con s\u1ed1 cao nh\u01b0 th\u1ebf, trong khi c\u00f3 h\u00e0ng v\u1ea1n hi\u1ec7u c\u1ea7m \u0111\u1ed3 tr\u00ean c\u1ea3 n\u01b0\u1edbc. T\u00f4i tin l\u00e0 d\u01b0 n\u1ee3 c\u1ee7a c\u1ea7m \u0111\u1ed3 ch\u1eafc ch\u1eafn l\u1edbn h\u01a1n c\u1ee7a t\u00e0i ch\u00ednh\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n<p>PGS-TS Ho\u00e0ng V\u0103n H\u1ea3i, Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Qu\u1ea3n tr\u1ecb kinh doanh cho bi\u1ebft, theo k\u1ebft qu\u1ea3 m\u00e0 nh\u00f3m nghi\u00ean c\u1ee9u th\u1ef1c hi\u1ec7n, gi\u00e1 tr\u1ecb ti\u1ec1m n\u0103ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam l\u00ean \u0111\u1ebfn 15 t\u1ef7 USD\/n\u0103m v\u00e0 ch\u1ee7 y\u1ebfu \u0111\u1ebfn t\u1eeb th\u1ecb tr\u01b0\u1eddng m\u1ee5c ti\u00eau, v\u1edbi g\u1ea7n 30 tri\u1ec7u ng\u01b0\u1eddi trong \u0111\u1ed9 tu\u1ed5i 20 &#8211; 59. T\u1ef7 l\u1ec7 cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam m\u1edbi chi\u1ebfm 5 &#8211; 10% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng, trong khi c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n, t\u1ef7 l\u1ec7 n\u00e0y l\u00e0 40 &#8211; 50%.<\/p>\n<p><strong>C\u01a1 h\u1ed9i cho c\u00e1c \u201ct\u00e2n binh\u201d<\/strong><\/p>\n<p>T\u1ea1i \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng th\u01b0\u1eddng ni\u00ean n\u0103m 2017 c\u1ee7a Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n &#8211; H\u00e0 N\u1ed9i (SHB) v\u1eeba qua, ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 c\u00f4ng b\u1ed1 m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn 100 t\u1ef7 \u0111\u1ed3ng ngay trong n\u0103m 2017 t\u1eeb C\u00f4ng ty T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng SHB, d\u1ef1 ki\u1ebfn ho\u1ea1t \u0111\u1ed9ng ch\u00ednh th\u1ee9c t\u1eeb qu\u00fd III\/2017, v\u1edbi v\u1ed1n \u0111i\u1ec1u l\u1ec7 1.000 t\u1ef7 \u0111\u1ed3ng.<\/p>\n<p>Theo \u00f4ng \u0110\u1ed7 Quang Hi\u1ec3n, Ch\u1ee7 t\u1ecbch H\u0110QT Ng\u00e2n h\u00e0ng SHB, l\u1ee3i \u00edch c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh h\u1ed7 tr\u1ee3 r\u1ea5t t\u1ed1t cho ho\u1ea1t \u0111\u1ed9ng b\u00e1n l\u1ebb c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 \u0111\u00f3ng g\u00f3p \u0111\u00e1ng k\u1ec3 v\u00e0o l\u1ee3i nhu\u1eadn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00ec c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng d\u1ec5 d\u00e0ng h\u01a1n ng\u00e2n h\u00e0ng trong vi\u1ec7c cho vay.<\/p>\n<p>B\u00e1o c\u00e1o c\u1ee7a Vi\u1ec7n Qu\u1ea3n tr\u1ecb kinh doanh ph\u00e2n t\u00edch, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang c\u00f3 nhi\u1ec1u l\u1ee3i th\u1ebf tr\u00ean th\u1ecb tr\u01b0\u1eddng. T\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, th\u1ee7 t\u1ee5c vay r\u1ea5t linh ho\u1ea1t, h\u1ed3 s\u01a1 \u0111\u01a1n gi\u1ea3n, gi\u1ea3i ng\u00e2n nhanh ch\u00f3ng (th\u1eadm ch\u00ed ch\u1ec9 m\u1ea5t 15 ph\u00fat), l\u00e3i su\u1ea5t t\u1eeb 1,46 &#8211; 1,6%\/th\u00e1ng, th\u1eadm ch\u00ed c\u00f3 n\u01a1i cho vay 0%.<\/p>\n<p>C\u00e1c chuy\u00ean gia t\u1eeb Vi\u1ec7n Qu\u1ea3n tr\u1ecb kinh doanh \u0111\u00e1nh gi\u00e1, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd \u0111\u00f3ng m\u1ed9t vai tr\u00f2 trung t\u00e2m cho qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i c\u1ee7a Vi\u1ec7t Nam sang m\u1ed9t n\u1ec1n kinh t\u1ebf ph\u1ee5 thu\u1ed9c nhi\u1ec1u h\u01a1n v\u00e0o ti\u00eau d\u00f9ng.<\/p>\n<p>Tuy nhi\u00ean, TS. H\u1ed3 Ch\u00ed D\u0169ng (Vi\u1ec7n Qu\u1ea3n tr\u1ecb kinh doanh) cho r\u1eb1ng, y\u1ebfu t\u1ed1 c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh \u201cl\u00f4i k\u00e9o\u201d \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng t\u1eeb c\u00e1c k\u00eanh t\u00edn d\u1ee5ng \u0111en kh\u00f4ng ch\u1ec9 l\u00e0 l\u00e3i su\u1ea5t.<\/p>\n<p>\u201cKhi l\u1ef1a ch\u1ecdn v\u00e0 \u0111\u00e1nh gi\u00e1 c\u00e1c t\u1ed5 ch\u1ee9c cho vay ti\u00eau d\u00f9ng, ng\u01b0\u1eddi d\u00e2n quan t\u00e2m nh\u1ea5t \u0111\u1ebfn l\u00e3i su\u1ea5t v\u00e0 th\u1ee7 t\u1ee5c. Tuy nhi\u00ean, \u0111\u00e1nh gi\u00e1 t\u1ed5ng th\u1ec3 th\u00ec h\u1ecd quan t\u00e2m \u0111\u1ebfn 3 y\u1ebfu t\u1ed1, g\u1ed3m: ch\u00ednh s\u00e1ch, nh\u1eefng y\u1ebfu t\u1ed1 t\u1ea1o c\u1ea3m gi\u00e1c g\u1ea7n g\u0169i, th\u00e2n thi\u1ec7n v\u00e0 s\u1ef1 thu\u1eadn ti\u1ec7n c\u1ee7a d\u1ecbch v\u1ee5\u201d, \u00f4ng D\u0169ng ph\u00e2n t\u00edch.<\/p>\n<p>Nh\u1eadn bi\u1ebft nh\u1eefng thay \u0111\u1ed5i trong xu h\u01b0\u1edbng ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n hi\u1ec7n nay, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang t\u1eadp trung\u00a0\u0111\u1ea7u t\u01b0\u00a0nhi\u1ec1u h\u01a1n v\u00e0o vi\u1ec7c ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 v\u00e0 s\u1ea3n ph\u1ea9m \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn d\u1ec5 d\u00e0ng h\u01a1n v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c cho vay ti\u00eau d\u00f9ng ch\u00ednh th\u1ee9c.<\/p>\n<p>Theo nh\u00f3m nghi\u00ean c\u1ee9u c\u1ee7a Vi\u1ec7n Qu\u1ea3n tr\u1ecb kinh doanh, cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 4 v\u1edbi s\u1ef1 thay \u0111\u1ed5i nhanh ch\u00f3ng v\u1ec1 c\u00f4ng ngh\u1ec7 s\u1ebd k\u1ebft n\u1ed1i ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay theo c\u00f4ng ngh\u1ec7 m\u1edbi, kh\u00f4ng c\u1ea7n \u0111\u1ebfn c\u00e1c \u0111i\u1ec3m giao d\u1ecbch. \u0110\u1ed3ng th\u1eddi, nhu c\u1ea7u vay t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00e1c c\u00f4ng ty fintech s\u1ebd b\u00f9ng n\u1ed5 m\u1ea1nh m\u1ebd. Trong t\u01b0\u01a1ng lai, th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng s\u1ebd c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo h\u01b0\u1edbng l\u00e3i su\u1ea5t gi\u1ea3m, ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 t\u0103ng, c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i, giao d\u1ecbch thu\u1eadn ti\u1ec7n v\u00e0 m\u1ee9c \u0111\u1ed9 b\u1ea3o m\u1eadt cao. Nh\u01b0 v\u1eady, ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1ebd c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn h\u01a1n trong vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/p>\n<p><strong>K\u1ef3 Th\u00e0n<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>InfoMoney (Moneynews) 10-5-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/infomoney.vn\/bung-no-dich-vu-tai-chinh-tieu-dung-co-hoi-cho-cac-tan-binh-d63213.html\">http:\/\/infomoney.vn\/bung-no-dich-vu-tai-chinh-tieu-dung-co-hoi-cho-cac-tan-binh-d63213.html<\/a><\/em><\/p>\n<p><em>(126\/924)<\/em>","protected":false},"excerpt":{"rendered":"<p>(IFM) &#8211; Nhu c\u1ea7u vay v\u1ed1n t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ty fintech \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd b\u00f9ng n\u1ed5 m\u1ea1nh. T\u00edn d\u1ee5ng \u0111en \u00e1p \u0111\u1ea3o k\u00eanh ch\u00ednh th\u1ed1ng B\u00e1o c\u00e1o \u201cT\u1ed5ng quan v\u1ec1 th\u1ecb tr\u01b0\u1eddng cho vay\u00a0ti\u00eau d\u00f9ng\u00a0t\u1ea1i Vi\u1ec7t Nam: Nh\u1eefng thu\u1eadn l\u1ee3i v\u00e0 th\u00e1ch th\u1ee9c\u201d v\u1eeba \u0111\u01b0\u1ee3c Vi\u1ec7n Qu\u1ea3n tr\u1ecb kinh [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":28605,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-28604","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>1.300. B\u00f9ng n\u1ed5 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: C\u01a1 h\u1ed9i cho c\u00e1c t\u00e2n binh - 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\/vi\/1-300-bung-no-dich-vu-tai-chinh-tieu-dung-co-hoi-cho-cac-tan-binh\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.300. B\u00f9ng n\u1ed5 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: C\u01a1 h\u1ed9i cho c\u00e1c t\u00e2n binh[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(IFM) &#8211; Nhu c\u1ea7u vay v\u1ed1n t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ty fintech \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd b\u00f9ng n\u1ed5 m\u1ea1nh. 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