{"id":2905,"date":"2021-10-05T09:06:17","date_gmt":"2021-10-05T02:06:17","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=2905"},"modified":"2022-05-02T09:52:23","modified_gmt":"2022-05-02T02:52:23","slug":"2-868-rao-ban-cac-khoan-no-khong-tai-san-dam-bao-nen-tro-thanh-thong-le","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-868-rao-ban-cac-khoan-no-khong-tai-san-dam-bao-nen-tro-thanh-thong-le\/","title":{"rendered":"2.868. Rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u00ean tr\u1edf th\u00e0nh th\u00f4ng l\u1ec7"},"content":{"rendered":"(HQ) – Theo chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng \u0111ang t\u0103ng cao nh\u01b0ng l\u1ea1i c\u00f3 nhi\u1ec1u r\u1ee7i ro h\u01a1n so v\u1edbi n\u1ee3 vay c\u1ee7a doanh nghi\u1ec7p, n\u00ean c\u1ea7n ph\u00e1t tri\u1ec3n h\u00ecnh th\u1ee9c mua b\u00e1n n\u1ee3 ti\u00eau d\u00f9ng gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng tr\u00e1nh gia t\u0103ng n\u1ee3 x\u1ea5u.<\/strong><\/p>\n

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TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

N\u1ee3 x\u1ea5u t\u1eeb cho vay ti\u00eau d\u00f9ng c\u00f3 nguy c\u01a1 t\u0103ng l\u00ean, vi\u1ec7c x\u1eed l\u00fd n\u1ee3 c\u00f2n nhi\u1ec1u loay hoay, \u00f4ng \u0111\u00e1nh gi\u00e1 nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 vi\u1ec7c nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng?<\/strong><\/em><\/p>\n\n\n\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span>: Mua b\u00e1n quy\u1ec1n \u0111\u00f2i n\u1ee3<\/em><\/strong><\/p>\n

H\u1ea7u h\u1ebft ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 c\u00f4ng ty mua b\u00e1n v\u00e0 thu h\u1ed3i n\u1ee3. Do \u0111\u00f3, vi\u1ec7c b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 l\u00e0 ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 thu h\u1ed3i n\u1ee3. H\u01a1n n\u1eefa, vi\u1ec7c m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ti\u00eau d\u00f9ng c\u00f2n c\u00f3 th\u1ec3 hi\u1ec3u l\u00e0 mua b\u00e1n quy\u1ec1n \u0111\u00f2i n\u1ee3, m\u00e0 \u1edf \u0111\u00e2y, ch\u1ec9 c\u00f3 c\u00e1c c\u00f4ng ty \u0111\u00f2i n\u1ee3 thu\u00ea m\u1edbi mua b\u00e1n. C\u00f2n v\u1edbi nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c th\u00ec khi mua b\u00e1n, h\u1ecd ph\u1ea3i h\u01b0\u1edbng t\u1edbi c\u00e1c t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m hay nh\u1eb1m t\u1edbi doanh nghi\u1ec7p.<\/em><\/p>\n

TS. C\u1ea5n V\u0103n L\u1ef1c, th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng T\u01b0 v\u1ea5n Ch\u00ednh s\u00e1ch T\u00e0i ch\u00ednh – Ti\u1ec1n t\u1ec7 Qu\u1ed1c gia: B\u0103n kho\u0103n v\u1ec1 m\u1ee9c gi\u00e1 rao b\u00e1n cao<\/strong><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 thu\u00ea n\u00ean chuy\u1ec7n \u0111i b\u00e1n n\u1ee3 cho vay ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, gi\u00e1 tr\u1ecb t\u1eeb v\u00e0i tr\u0103m ngh\u00ecn \u0111\u1ebfn tr\u0103m tri\u1ec7u l\u00e0 \u0111i\u1ec1u d\u1ec5 hi\u1ec3u. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 b\u0103n kho\u0103n l\u00e0 m\u1ee9c gi\u00e1 rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 \u0111ang \u1edf m\u1ee9c cao, b\u1eb1ng v\u1edbi gi\u00e1 s\u1ed5 s\u00e1ch. B\u1edfi th\u00f4ng th\u01b0\u1eddng, n\u1ebfu l\u00e0 mua b\u00e1n n\u1ee3 x\u1ea5u th\u00ec ph\u1ea3i c\u00f3 t\u1ef7 l\u1ec7 chi\u1ebft kh\u1ea5u cho b\u00ean mua, do vi\u1ec7c x\u1eed l\u00fd n\u1ee3 c\u00f2n c\u00f3 r\u1ea5t nhi\u1ec1u chi ph\u00ed ph\u00e1t sinh li\u00ean quan.<\/p>\n

H\u01b0\u01a1ng D\u1ecbu (th\u1ef1c hi\u1ec7n)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, k\u1ec3 c\u1ea3 ng\u00e2n h\u00e0ng hay c\u00f4ng ty t\u00e0i ch\u00ednh, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00fac n\u00e0y \u1ea9n ch\u1ee9a r\u1ea5t nhi\u1ec1u r\u1ee7i ro. Nguy\u00ean nh\u00e2n do d\u1ecbch b\u1ec7nh Covid-19 ho\u00e0nh h\u00e0nh khi\u1ebfn nhi\u1ec1u kh\u00e1ch h\u00e0ng gi\u1ea3m thu nh\u1eadp, th\u1eadm ch\u00ed l\u00e0 kh\u00f4ng c\u00f3 thu nh\u1eadp n\u00ean t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n, m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Trong khi \u0111\u00f3, c\u00e1c quy \u0111\u1ecbnh v\u00e0 bi\u1ec7n ph\u00e1p v\u1ec1 c\u01a1 c\u1ea5u n\u1ee3, mi\u1ec5n gi\u1ea3m l\u00e3i su\u1ea5t h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi d\u1ecbch Covid-19 m\u1edbi t\u1eadp trung cho kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p, \u00edt li\u00ean quan \u0111\u1ebfn cho vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh d\u00f9 c\u0169ng c\u00f3 \u0111\u1ed9ng th\u00e1i t\u00ecm c\u00e1ch gi\u00e3n, ho\u00e3n n\u1ee3, c\u01a1 c\u1ea5u n\u1ee3, gi\u1ea3m l\u00e3i su\u1ea5t cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, nh\u01b0ng \u0111\u00f3 \u0111\u1ec1u l\u00e0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u00f2n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 ho\u1eb7c c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u00f3 gi\u00e1 tr\u1ecb. N\u1ebfu kh\u00e1ch h\u00e0ng n\u00e0o m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f3 c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3.<\/p>\n

Nguy\u00ean nh\u00e2n l\u00e0 vay ti\u00eau d\u00f9ng t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay v\u1eabn c\u00f3 nhi\u1ec1u r\u1ee7i ro h\u01a1n so v\u1edbi doanh nghi\u1ec7p. C\u00e1c doanh nghi\u1ec7p c\u00f2n c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o l\u00e0 nh\u00e0 m\u00e1y, thi\u1ebft b\u1ecb c\u0169ng nh\u01b0 h\u1ed3 s\u01a1, gi\u1ea5y t\u1edd \u0111\u1ea7y \u0111\u1ee7, ngh\u0129a l\u00e0 \u201cc\u00f3 t\u00f3c \u0111\u1ec3 n\u1eafm\u201d, trong khi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n th\u00ec th\u01b0\u1eddng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ho\u1eb7c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng c\u1ea7m gi\u1eef l\u00e0 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng n\u00ean kh\u00f3 qu\u1ea3n l\u00fd h\u01a1n. C\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 thu\u00ea n\u00ean m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng hi\u1ec7n \u0111\u00e3 rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ti\u00eau d\u00f9ng, v\u1eeba gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng thu l\u1ea1i m\u1ed9t ph\u1ea7n ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh, v\u1eeba gi\u1ea3m \u00e1p l\u1ef1c n\u1ee3 x\u1ea5u. C\u00e1c kho\u1ea3n n\u1ee3 b\u00e1n \u0111i n\u00e0y th\u01b0\u1eddng c\u00f3 chi\u1ebft kh\u1ea5u theo m\u1ed9t t\u1ef7 l\u1ec7 % nh\u1ea5t \u0111\u1ecbnh, t\u1ef7 l\u1ec7 c\u00e0ng cao \u0111\u1ed1i v\u1edbi nh\u1eefng kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o.<\/p>\n

Theo \u00f4ng, li\u1ec7u \u0111\u00e2y c\u00f3 ph\u1ea3i l\u00e0 xu h\u01b0\u1edbng c\u1ee7a th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay?<\/strong><\/em><\/p>\n

Th\u1ef1c t\u1ebf, vi\u1ec7c mua b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n l\u00e0 kh\u00f4ng m\u1edbi. Khi m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea1t tr\u1ea7n c\u1ea5p t\u00edn d\u1ee5ng, h\u1ecd s\u1ebd b\u00e1n c\u1ea3 n\u1ee3 x\u1ea5u, n\u1ee3 t\u1ed1t, n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o v\u00e0 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. H\u01a1n n\u1eefa, vi\u1ec7c rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u00ean tr\u1edf th\u00e0nh th\u00f4ng l\u1ec7 v\u00ec c\u00f3 nhi\u1ec1u kho\u1ea3n n\u1ee3 nh\u1ecf ng\u00e2n h\u00e0ng c\u0169ng mu\u1ed1n mua \u0111\u1ee9t b\u00e1n \u0111o\u1ea1n thay v\u00ec ph\u1ea3i m\u1ea5t c\u00f4ng theo d\u00f5i, qu\u1ea3n l\u00fd.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, h\u00ecnh th\u1ee9c nh\u01b0 tr\u00ean ch\u01b0a c\u00f3 th\u00f4ng l\u1ec7 n\u00ean c\u00f3 th\u1ec3 th\u1ea5y kh\u00e1 l\u1ea1. Do \u0111\u00f3, th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 vay ti\u00eau d\u00f9ng s\u1ebd ch\u01b0a th\u1ec3 s\u00f4i n\u1ed5i, nh\u1ea5t l\u00e0 khi c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng gi\u00e1 tr\u1ecb xu\u1ed1ng th\u1ea5p do ng\u01b0\u1eddi vay m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc \u1ea3nh h\u01b0\u1edfng c\u1ee7a Covid-19, n\u00ean \u0111\u00e2y kh\u00f4ng ph\u1ea3i t\u00e0i s\u1ea3n h\u1ea5p d\u1eabn. Tuy nhi\u00ean, c\u00f3 th\u1ec3 s\u1ebd c\u00f3 nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i nh\u00e2n c\u01a1 h\u1ed9i n\u00e0y \u0111\u1ec3 \u201cnh\u1ea3y\u201d v\u00e0o th\u1ecb tr\u01b0\u1eddng mua b\u00e1n n\u1ee3 c\u1ee7a Vi\u1ec7t Nam, n\u1ebfu ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c r\u1ee7i ro, mua c\u00e1c kho\u1ea3n n\u1ee3 v\u1edbi t\u1ef7 l\u1ec7 chi\u1ebft kh\u1ea5u cao.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, \u0111\u00e2u l\u00e0 nh\u1eefng kh\u00f3 kh\u0103n \u0111\u1ec3 vi\u1ec7c mua b\u00e1n n\u1ee3 vay ti\u00eau d\u00f9ng ch\u01b0a th\u1ec3 ho\u1ea1t \u0111\u1ed9ng t\u00edch c\u1ef1c nh\u01b0 nhi\u1ec1u qu\u1ed1c gia kh\u00e1c, th\u01b0a \u00f4ng?<\/strong><\/em><\/p>\n

Nh\u01b0 t\u00f4i \u0111\u00e3 n\u00f3i \u1edf tr\u00ean, vi\u1ec7c mua b\u00e1n t\u00e0i s\u1ea3n kh\u00f4ng c\u00f3 \u0111\u1ea3m b\u1ea3o kh\u00e1 ph\u1ed5 bi\u1ebfn \u1edf c\u00e1c qu\u1ed1c gia ph\u00e1t tri\u1ec3n. T\u1ea1i M\u1ef9, h\u1ecd \u0111\u00e3 ch\u1ee9ng kho\u00e1n h\u00f3a n\u1ee3 x\u1ea5u \u0111\u1ec3 b\u00e1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0. Nh\u01b0ng Vi\u1ec7t Nam l\u1ea1i ch\u01b0a l\u00e0m \u0111\u01b0\u1ee3c nh\u01b0 v\u1eady, do ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 ch\u1ee9ng kho\u00e1n h\u00f3a n\u1ee3 x\u1ea5u.<\/p>\n

Nh\u01b0ng c\u00f3 hai thi\u1ebfu s\u00f3t l\u1edbn m\u00e0 n\u01b0\u1edbc ta ch\u01b0a th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c \u0111\u1ec3 thu\u1eadn l\u1ee3i h\u01a1n trong vi\u1ec7c gi\u1ea3i quy\u1ebft n\u1ee3 vay ti\u00eau d\u00f9ng. M\u1ed9t l\u00e0, nhi\u1ec1u qu\u1ed1c gia \u0111\u00e3 c\u00f3 h\u1ec7 th\u1ed1ng x\u1ebfp h\u00e0ng t\u00edn d\u1ee5ng c\u1ea3 doanh nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n, nh\u00e0 \u0111\u1ea7u t\u01b0 mua b\u00e1n n\u1ee3 c\u00f3 th\u1ec3 nh\u00ecn v\u00e0o \u0111i\u1ec3m t\u00edn d\u1ee5ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u1ec1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng. Vi\u1ec7t Nam tuy c\u0169ng \u0111\u00e3 c\u00f3 trung t\u00e2m th\u00f4ng tin t\u00edn d\u1ee5ng nh\u01b0ng \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n l\u1ea1i ch\u01b0a ph\u1ed5 bi\u1ebfn, m\u1ed7i ng\u00e2n h\u00e0ng l\u1ea1i c\u00f3 quy c\u00e1ch t\u00ednh \u0111i\u1ec3m ri\u00eang n\u00ean \u0111\u1ed9 tin c\u1eady ch\u01b0a cao. Hai l\u00e0, Vi\u1ec7t Nam kh\u00f4ng c\u00f3 lu\u1eadt v\u1ec1 ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n, ch\u1ec9 cho doanh nghi\u1ec7p ph\u00e1 s\u1ea3n, n\u00ean nhi\u1ec1u c\u00e1 nh\u00e2n v\u1eabn l\u00e0 con n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh, k\u1ec3 c\u1ea3 khi \u0111\u00e3 ch\u1ebft v\u00e0 kh\u00f4ng c\u00f2n tr\u1ea3 n\u1ee3 n\u00ean tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u.<\/p>\n

\u00d4ng nh\u1eadn \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 s\u1ef1 h\u1ed7 tr\u1ee3 cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c h\u00ecnh th\u1ee9c cho vay ti\u00eau d\u00f9ng m\u1edbi \u0111ang xu\u1ea5t hi\u1ec7n t\u1ea1i Vi\u1ec7t Nam?<\/strong><\/em><\/p>\n

N\u1ebfu so s\u00e1nh gi\u1eefa c\u00e1c h\u00ecnh th\u1ee9c cho vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay th\u00ec c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn l\u00e0 t\u1ed5 ch\u1ee9c cho vay ti\u00eau d\u00f9ng c\u1ea9n th\u1eadn h\u01a1n. B\u1edfi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh v\u00e0 ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, n\u00ean quy tr\u00ecnh v\u00e0 ho\u1ea1t \u0111\u1ed9ng ch\u1eb7t ch\u1ebd h\u01a1n so v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Tuy nhi\u00ean, c\u0169ng kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn t\u00e1c d\u1ee5ng h\u1ed7 tr\u1ee3 v\u1ec1 ngu\u1ed3n v\u1ed1n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay.<\/p>\n

\u0110\u00e2y l\u00e0 nh\u1eefng ngu\u1ed3n b\u1ed5 sung c\u1ea7n thi\u1ebft do kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n th\u01b0\u1eddng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, thu nh\u1eadp th\u1ea5p n\u00ean kh\u00f3 \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng. Ngo\u00e0i ra, m\u1ed9t s\u1ed1 h\u00ecnh th\u1ee9c cho vay m\u1edbi nh\u01b0 cho vay ngang h\u00e0ng (P2P) th\u00ec c\u0169ng t\u1ea1o kh\u00e1 nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n h\u01a1n cho c\u00e1 nh\u00e2n vay v\u1ed1n, b\u1edfi \u0111\u00e2y l\u00e0 h\u1ee3p t\u00e1c d\u00e2n s\u1ef1 gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 cho vay, c\u00e1c c\u00f4ng ty P2P ch\u1ec9 \u0111\u1ee9ng ra \u0111\u1ea3m b\u1ea3o, cung c\u1ea5p gi\u1ea3i ph\u00e1p k\u1ebft n\u1ed1i. Tuy nhi\u00ean, d\u00f9 \u1edf h\u00ecnh th\u1ee9c n\u00e0o, c\u1ea3 ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay \u0111\u1ec1u ph\u1ea3i t\u00ecm ki\u1ebfm s\u1ef1 t\u00edn nhi\u1ec7m c\u0169ng nh\u01b0 \u0111\u1ed9 tin c\u1eady \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3.<\/p>\n

Xin c\u1ea3m \u01a1n \u00f4ng!<\/strong><\/em><\/p>\n\n\n\n
T\u1ea1i phi\u00ean th\u1ea9m tra v\u1ec1 t\u00ecnh h\u00ecnh kinh t\u1ebf – x\u00e3 h\u1ed9i do \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i ti\u1ebfn h\u00e0nh ng\u00e0y 29\/9, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Kim Anh cho bi\u1ebft, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u n\u1ed9i b\u1ea3ng v\u00e0 n\u1ee3 x\u1ea5u ti\u1ec1m \u1ea9n cu\u1ed1i n\u0103m nay d\u1ef1 ki\u1ebfn s\u1ebd \u1edf m\u1ee9c t\u1eeb 7,1-7,7%, x\u1ea5p x\u1ec9 8% khi c\u00e1c ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3, gi\u00e3n ho\u00e3n theo Th\u00f4ng t\u01b0 01, Th\u00f4ng t\u01b0 03 v\u00e0 Th\u00f4ng t\u01b0 14 c\u1ee7a NHNN.<\/strong><\/p>\n

Theo V\u1ee5 T\u00edn d\u1ee5ng c\u00e1c ng\u00e0nh kinh t\u1ebf, NHNN, \u0111\u1ebfn cu\u1ed1i th\u00e1ng 3\/2021, d\u01b0 n\u1ee3 cho vay ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng \u0111\u1ea1t 1,867 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng 1,2% so v\u1edbi cu\u1ed1i n\u0103m ngo\u00e1i. C\u00f2n theo m\u1ed9t th\u1ed1ng k\u00ea m\u1edbi \u0111\u00e2y c\u1ee7a Ng\u00e2n h\u00e0ng HSBC t\u1ea1i 4 ng\u00e2n h\u00e0ng l\u1edbn (Vietcombank, VietinBank, BIDV, Agribank), t\u1ef7 l\u1ec7 cho vay h\u1ed9 gia \u0111\u00ecnh \u0111\u00e3 t\u0103ng l\u00ean 46% t\u1ed5ng d\u01b0 n\u1ee3 n\u0103m 2020. Ri\u00eang n\u1ee3 ti\u00eau d\u00f9ng \u0111\u00e3 t\u0103ng t\u1eeb m\u1ee9c 41% thu nh\u1eadp (tr\u00ean m\u1ed7i lao \u0111\u1ed9ng) trong n\u0103m 2013 l\u00ean m\u1ee9c h\u01a1n 100% v\u00e0o n\u0103m 2020.<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

H\u01b0\u01a1ng D\u1ecbu (th\u1ef1c hi\u1ec7n)<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014<\/em><\/p>\n

H\u1ea3i quan (Kinh t\u1ebf) 05-10-2021:<\/em><\/p>\n

https:\/\/haiquanonline.com.vn\/rao-ban-cac-khoan-no-khong-tai-san-dam-bao-nen-tro-thanh-thong-le-153492-153492.html<\/em><\/a><\/p>\n

(111\/1.607)<\/em>","protected":false},"excerpt":{"rendered":"

(HQ) – Theo chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, c\u00e1c kho\u1ea3n n\u1ee3 vay ti\u00eau d\u00f9ng \u0111ang t\u0103ng cao nh\u01b0ng l\u1ea1i c\u00f3 nhi\u1ec1u r\u1ee7i ro h\u01a1n so v\u1edbi n\u1ee3 vay c\u1ee7a doanh nghi\u1ec7p, n\u00ean c\u1ea7n ph\u00e1t tri\u1ec3n h\u00ecnh th\u1ee9c mua b\u00e1n n\u1ee3 ti\u00eau d\u00f9ng gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng tr\u00e1nh gia t\u0103ng […]<\/p>\n","protected":false},"author":1,"featured_media":8606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-2905","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.868. Rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u00ean tr\u1edf th\u00e0nh th\u00f4ng l\u1ec7 - 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\/2-868-rao-ban-cac-khoan-no-khong-tai-san-dam-bao-nen-tro-thanh-thong-le\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.868. Rao b\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o n\u00ean tr\u1edf th\u00e0nh th\u00f4ng l\u1ec7[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(HQ) – Theo chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng TS. 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