{"id":29255,"date":"2015-11-12T10:04:20","date_gmt":"2015-11-12T03:04:20","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29255"},"modified":"2022-06-24T21:49:18","modified_gmt":"2022-06-24T14:49:18","slug":"820-vay-tieu-dung-qua-cong-ty-tai-chinh-khac-voi-vay-ngan-hang-the-nao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/820-vay-tieu-dung-qua-cong-ty-tai-chinh-khac-voi-vay-ngan-hang-the-nao\/","title":{"rendered":"820. Vay ti\u00eau d\u00f9ng qua c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1c v\u1edbi vay ng\u00e2n h\u00e0ng th\u1ebf n\u00e0o?"},"content":{"rendered":"(VOV.vn) – D\u1ecbch v\u1ee5 vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 nh\u1eefng \u0111i\u1ec3m kh\u00e1c c\u0103n b\u1ea3n v\u1edbi vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/strong><\/p>\n

Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng nh\u01b0 c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f9ng tham gia cho vay ti\u00eau d\u00f9ng khi\u1ebfn kh\u00f4ng \u00edt ng\u01b0\u1eddi th\u1eafc m\u1eafc s\u1ef1 kh\u00e1c nhau gi\u1eefa s\u1ea3n ph\u1ea9m c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 g\u00ec, n\u00ean vay \u1edf \u0111\u00e2u v\u00e0 c\u1ea7n ch\u00fa \u00fd nh\u1eefng g\u00ec khi vay? Ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng v\u00e0 lu\u1eadt s\u01b0 chuy\u00ean ng\u00e0nh nh\u1eb1m \u0111\u1ec3 l\u00e0m r\u00f5 h\u01a1n v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n

\"\"<\/p>\n

PV: Vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1c v\u1edbi vay ti\u00eau d\u00f9ng t\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ra sao, ng\u01b0\u1eddi \u0111i vay c\u00f3 th\u1ec3 vay \u1edf nh\u1eefng l\u0129nh v\u1ef1c n\u00e0o?<\/em><\/p>\n

\u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e<\/strong>, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc: D\u1ecbch v\u1ee5 vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 nh\u1eefng \u0111i\u1ec3m kh\u00e1c c\u0103n b\u1ea3n v\u1edbi vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Th\u1ee9 nh\u1ea5t, th\u1ee7 t\u1ee5c vay v\u1ed1n qua c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01a1n gi\u1ea3n, nhanh ch\u00f3ng, ch\u1ec9 c\u1ea7n c\u00f3 ch\u1ee9ng minh th\u01b0, s\u1ed5 h\u1ed9 kh\u1ea9u l\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t cho vay. C\u00f2n vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u00ec th\u1ee7 t\u1ee5c l\u1ea1i \u0111\u00f2i h\u1ecfi nhi\u1ec1u h\u01a1n nh\u01b0 ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, c\u00e1c kho\u1ea3n vay l\u1edbn ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay ti\u00eau d\u00f9ng kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

Th\u1ee9 hai, l\u00e0 s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 m\u1ee9c cho vay. C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e1p \u1ee9ng c\u00e1c kho\u1ea3n vay nh\u1ecf, \u0111a d\u1ea1ng t\u1eeb m\u1ee9c v\u00e0i tri\u1ec7u \u0111\u1ebfn v\u00e0i ch\u1ee5c tri\u1ec7u, trong khi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng cho vay c\u00e1c kho\u1ea3n l\u1edbn.<\/p>\n

Th\u1ee9 ba, l\u00e0 s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n. S\u1ea3n ph\u1ea9m vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e1p \u1ee9ng r\u1ed9ng r\u00e3i nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c v\u1eadt d\u1ee5ng d\u00f9ng cho c\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh, t\u1eeb chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i, \u1ea5m \u0111i\u1ec7n, t\u1ee7 l\u1ea1nh… \u0111\u1ebfn nh\u1eefng s\u1ea3n ph\u1ea9m l\u1edbn nh\u01b0 \u00f4 t\u00f4, xe m\u00e1y. Trong khi, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u1ea1i ch\u1ec9 th\u01b0\u1eddng cho vay c\u00e1c kho\u1ea3n l\u1edbn h\u01a1n nh\u01b0 cho vay nh\u00e0 th\u1ebf ch\u1ea5p, s\u1eeda ch\u1eefa nh\u00e0, mua \u00f4 t\u00f4…<\/p>\n

Th\u1ee9 t\u01b0, l\u00e0 v\u1ea5n \u0111\u1ec1 v\u1ec1 l\u00e3i su\u1ea5t. L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng cao h\u01a1n so v\u1edbi l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong>, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI: V\u1ec1 c\u01a1 b\u1ea3n vay ti\u00eau d\u00f9ng t\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng l\u00e0 gi\u1ed1ng nhau, ch\u1ec9 kh\u00e1c m\u1ed9t b\u00ean l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh, m\u1ed9t b\u00ean l\u00e0 ng\u00e2n h\u00e0ng. Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, v\u1ec1 l\u00e3i su\u1ea5t, \u0111i\u1ec1u ki\u1ec7n, \u0111\u1ed1i t\u01b0\u1ee3ng cho vay, l\u00e3i qu\u00e1 h\u1ea1n \u0111\u1ec1u gi\u1ed1ng nhau. \u0110i\u1ec3m kh\u00e1c nhau l\u00e0 \u1edf ch\u00ednh s\u00e1ch c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n ch\u1eb7t ch\u1ebd, ph\u1ee9c t\u1ea1p h\u01a1n n\u00ean l\u00e3i su\u1ea5t th\u01b0\u1eddng th\u1ea5p h\u01a1n so v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh.<\/em><\/p>\n

PV: Kh\u00f4ng \u00edt kh\u00e1ch h\u00e0ng \u0111\u00e1nh gi\u00e1 vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t cao. Vi\u1ec7c c\u00e1c c\u00f4ng ty \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cao nh\u01b0 v\u1eady c\u00f3 h\u1ee3p l\u00fd v\u00e0 nguy\u00ean nh\u00e2n do \u0111\u00e2u?<\/em><\/p>\n

\u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e<\/strong>, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc: Kh\u00f4ng th\u1ec3 so s\u00e1nh m\u1ee9c l\u00e3i su\u1ea5t s\u1ea3n ph\u1ea9m cho vay t\u00edn ch\u1ea5p ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t c\u00e1c s\u1ea3n ph\u1ea9m cho vay c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, v\u00ec \u0111\u00f3 l\u00e0 nh\u1eefng s\u1ea3n ph\u1ea9m ho\u00e0n to\u00e0n kh\u00e1c nhau. C\u00f3 nh\u1eefng y\u1ebfu t\u1ed1 sau \u0111\u00e2y \u0111\u00f3ng g\u00f3p v\u00e0o gi\u00e1 c\u1ee7a kho\u1ea3n vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 khi\u1ebfn gi\u00e1 c\u1ee7a s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng cao h\u01a1n.<\/p>\n

Th\u1ee9 nh\u1ea5t, ngu\u1ed3n v\u1ed1n cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng cao h\u01a1n so v\u1edbi chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, b\u1edfi do c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng v\u1ed1n t\u1eeb d\u00e2n c\u01b0.<\/p>\n

Th\u1ee9 hai, l\u00e0 chi ph\u00ed b\u00f9 \u0111\u1eafp r\u1ee7i ro c\u1ee7a kho\u1ea3n vay, cho vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 cho vay d\u1ef1a tr\u00ean uy t\u00edn c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 b\u1edfi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng d\u00e0nh cho m\u1ed9t kh\u00e1ch h\u00e0ng m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n. Ch\u00ednh v\u00ec v\u1eady, cho vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p c\u00f3 r\u1ee7i ro cao, n\u00ean l\u00e3i su\u1ea5t ph\u1ea3i cao h\u01a1n so v\u1edbi cho vay ti\u00eau d\u00f9ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Th\u1ee9 ba, gi\u00e1 tr\u1ecb c\u1ee7a kho\u1ea3n vay nh\u1ecf l\u1ebb, k\u1ef3 h\u1ea1n vay ng\u1eafn (kho\u1ea3ng t\u1eeb 6 – 8 th\u00e1ng, th\u1eadm ch\u00ed 4-5 th\u00e1ng) d\u1eabn \u0111\u1ebfn c\u00e1c chi ph\u00ed th\u1ea9m \u0111\u1ecbnh, chi ph\u00ed \u0111\u00f2i n\u1ee3, chi ph\u00ed qu\u1ea3n l\u00fd kho\u1ea3n vay, chi ph\u00ed ph\u1ee5c v\u1ee5 cao h\u01a1n b\u00ecnh th\u01b0\u1eddng.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong>, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI: L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang, cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00f3i chung lu\u00f4n cao h\u01a1n l\u00e3i su\u1ea5t cho vay s\u1ea3n xu\u1ea5t kinh doanh, v\u00ec m\u1ed9t lo\u1ea1t l\u00fd do nh\u01b0 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n h\u01a1n ng\u00e2n h\u00e0ng, n\u00ean th\u01b0\u1eddng ph\u1ea3i tr\u1ea3 l\u00e3i cao h\u01a1n. Ti\u1ec1n cho kh\u00e1ch h\u00e0ng vay \u0111\u01b0\u1ee3c ti\u00eau d\u00f9ng h\u1ebft v\u00e0 tr\u1ea3 n\u1ee3 b\u1eb1ng ngu\u1ed3n kh\u00e1c, n\u00ean t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f3 n\u1eafm b\u1eaft v\u00e0 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n. Ngo\u00e0i ra, c\u00e1c kho\u1ea3n vay th\u01b0\u1eddng nh\u1ecf, n\u00ean chi ph\u00ed cao. C\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 nguy\u00ean nh\u00e2n do t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f3 x\u1eed l\u00fd, n\u00ean r\u1ee7i ro l\u1edbn…\u00a0<\/em><\/p>\n

PV: Tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tranh ch\u1ea5p gi\u1eefa b\u00ean vay v\u00e0 b\u00ean cho vay do nh\u1eefng b\u1ea5t \u0111\u1ed3ng v\u1ec1 l\u00e3i su\u1ea5t, c\u00e1ch th\u1ee9c tr\u1ea3 n\u1ee3\u2026 V\u1eady tr\u01b0\u1edbc khi vay ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n ch\u00fa \u00fd nh\u1eefng g\u00ec?<\/em><\/p>\n

\u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e<\/strong>, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc: \u1ede n\u01b0\u1edbc ta, k\u00eanh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1eabn \u0111ang trong giai \u0111o\u1ea1n s\u01a1 khai v\u00e0 90 – 95% kh\u00e1ch h\u00e0ng l\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng m\u1edbi – nh\u1eefng ng\u01b0\u1eddi tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u1ea7n \u0111\u1ea7u ti\u00ean. Nh\u1eefng tr\u1edf ng\u1ea1i v\u1ec1 ki\u1ebfn th\u1ee9c n\u00e0y n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c quan t\u00e2m \u0111\u00fang \u0111\u1eafn c\u00f3 th\u1ec3 khi\u1ebfn m\u1ed9t s\u1ed1 ng\u01b0\u1eddi d\u00e2n ng\u1ea7n ng\u1ea1i khi ti\u1ebfp c\u1eadn v\u1edbi vay ti\u00eau d\u00f9ng v\u00e0 d\u1eabn \u0111\u1ebfn nh\u1eefng khi\u1ebfu n\u1ea1i, tranh lu\u1eadn \u0111\u00e1ng ti\u1ebfc sau n\u00e0y gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 b\u00ean cho vay. V\u00ec v\u1eady, ng\u01b0\u1eddi vay c\u1ea7n n\u1eafm v\u1eefng c\u00e1c thu\u1eadt ng\u1eef v\u00e0 kh\u00e1i ni\u1ec7m \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng khi vay ti\u00eau d\u00f9ng.<\/p>\n

Th\u1ef1c t\u1ebf, khi v\u01b0\u1edbng ph\u1ea3i b\u1ea5t k\u1ef3 th\u1eafc m\u1eafc n\u00e0o trong qu\u00e1 tr\u00ecnh th\u1ecfa thu\u1eadn \u0111\u1ec3 \u0111\u01b0\u1ee3c vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n, bao g\u1ed3m c\u1ea3 thu\u1eadt ng\u1eef t\u00e0i ch\u00ednh, ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n tr\u1ef1c ti\u1ebfp gi\u1ea3ng gi\u1ea3i \u0111\u1ec3 hi\u1ec3u r\u00f5 nh\u1eefng n\u1ed9i dung m\u00ecnh s\u1ebd \u0111\u1eb7t b\u00fat k\u00fd.<\/p>\n

Tr\u01b0\u1edbc khi k\u00fd x\u00e1c nh\u1eadn c\u00e1c cam k\u1ebft \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng, kh\u00e1ch h\u00e0ng c\u1ea7n quan t\u00e2m \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o hi\u1ec3u r\u00f5 c\u00e1c quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c n\u00eau.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong>, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI:<\/em><\/p>\n

Khi vay ti\u00eau d\u00f9ng, c\u1ea7n ch\u00fa \u00fd v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t, c\u00e1c kho\u1ea3n ph\u00ed v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n tr\u1ea3 n\u1ee3 kh\u00e1c. M\u1eb7t kh\u00e1c, th\u1eddi h\u1ea1n vay c\u00e0ng ng\u1eafn c\u00e0ng t\u1ed1t, n\u1ebfu vay d\u00e0i th\u00ec l\u00e3i su\u1ea5t s\u1ebd cao h\u01a1n v\u00e0 r\u1ee7i ro v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 tr\u1ea3 n\u1ee3 c\u0169ng l\u1edbn h\u01a1n. Tuy nhi\u00ean, c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.\/.<\/em><\/p>\n

PV\/VOV.VN<\/strong><\/p>\n

————————————<\/p>\n

VOV (Kinh t\u1ebf) 12-11-2015:<\/em><\/strong><\/p>\n

http:\/\/vov.vn\/kinh-te\/thi-truong\/vay-tieu-dung-qua-cong-ty-tai-chinh-khac-voi-vay-ngan-hang-the-nao-449381.vov<\/em><\/p>\n

(358\/1.396)","protected":false},"excerpt":{"rendered":"

(VOV.vn) – D\u1ecbch v\u1ee5 vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 nh\u1eefng \u0111i\u1ec3m kh\u00e1c c\u0103n b\u1ea3n v\u1edbi vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng nh\u01b0 c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f9ng tham gia cho vay ti\u00eau d\u00f9ng khi\u1ebfn kh\u00f4ng \u00edt ng\u01b0\u1eddi th\u1eafc m\u1eafc s\u1ef1 […]<\/p>\n","protected":false},"author":1,"featured_media":29256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29255","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n820. 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