{"id":29340,"date":"2015-11-28T14:01:15","date_gmt":"2015-11-28T07:01:15","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29340"},"modified":"2022-06-24T21:58:08","modified_gmt":"2022-06-24T14:58:08","slug":"837-tang-tin-dung-tieu-dung-co-giam-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/837-tang-tin-dung-tieu-dung-co-giam-tin-dung-den\/","title":{"rendered":"837. T\u0103ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, c\u00f3 gi\u1ea3m \u201ct\u00edn d\u1ee5ng \u0111en\u201d?"},"content":{"rendered":"(HQ) – Trong nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2015, t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng t\u0103ng m\u1ea1nh so v\u1edbi th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m 2014. \u0110i\u1ec1u n\u00e0y \u0111ang \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf v\u1ea5n n\u1ea1n “t\u00edn d\u1ee5ng \u0111en” v\u1eabn c\u00f2n nh\u1ee9c nh\u1ed1i hi\u1ec7n nay.<\/strong><\/p>\n

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C\u1ea7n tang c\u01b0\u1eddng c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ec3 h\u1ea1n ch\u1ebf “t\u00edn d\u1ee5ng \u0111en”. \u1ea2nh: Internet<\/p>\n

Theo s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea t\u1eeb V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, trong 7 n\u0103m qua, t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam c\u00f3 m\u1ee9c t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh 20%\/n\u0103m. T\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 9-2015, t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng t\u0103ng m\u1ea1nh 31,49% so v\u1edbi cu\u1ed1i n\u0103m 2014 v\u00e0 chi\u1ebfm t\u1ef7 tr\u1ecdng 8,02% so t\u1ed5ng v\u1edbi d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng to\u00e0n h\u1ec7 th\u1ed1ng (c\u00f9ng k\u1ef3 n\u0103m 2014 l\u00e0 6,31%).<\/p>\n

Nh\u1eadn x\u00e9t v\u1ec1 s\u1ef1 t\u0103ng tr\u01b0\u1edfng n\u00e0y, theo chuy\u00ean gia t\u00e0i ch\u00ednh- ng\u00e2n h\u00e0ng TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111ang d\u1ea7n tr\u1edf th\u00e0nh m\u1ed9t l\u0129nh v\u1ef1c r\u1ea5t quan tr\u1ecdng v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng v\u00ec nhu c\u1ea7u v\u1ec1 t\u00e0i ch\u00ednh, ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n ng\u00e0y m\u1ed9t cao h\u01a1n khi n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n. Ch\u00ednh v\u00ec th\u1ebf, trong 3 n\u0103m qua, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng tr\u1edf th\u00e0nh m\u1ed9t \u0111i\u1ec3m n\u00f3ng khi kh\u00f4ng ch\u1ec9 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh m\u00e0 ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng tham gia v\u00e0o l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

Kh\u1ea3o s\u00e1t m\u1ed9t t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho th\u1ea5y, nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh cho vay \u01b0u \u0111\u00e3i v\u1edbi l\u00e3i su\u1ea5t c\u1ea1nh tranh t\u1eeb 6-8%\/n\u0103m \u0111\u01b0\u1ee3c \u0111\u01b0a ra \u0111\u1ed1i v\u1edbi c\u00e1c nhu c\u1ea7u nh\u01b0 vay mua nh\u00e0, vay x\u00e2y nh\u00e0, vay mua \u00f4 t\u00f4, vay du h\u1ecdc\u2026 H\u01a1n n\u1eefa, nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f2n \u0111\u01b0a ra ch\u00ednh s\u00e1ch cho vay t\u00edn ch\u1ea5p, vay kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o\u2026 \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng.<\/p>\n

Tuy nhi\u00ean, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu c\u1ea3nh b\u00e1o, ch\u1ea5t l\u01b0\u1ee3ng c\u00e1c d\u1ecbch v\u1ee5, \u0111i\u1ec1u ki\u1ec7n cho vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o, \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a s\u1ed1 \u0111\u00f4ng d\u00e2n ch\u00fang. N\u1ebfu kh\u00f4ng, \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u1eabn c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ec3 ph\u00e1t tri\u1ec3n.<\/p>\n

N\u00f3i v\u1ec1 nguy\u00ean nh\u00e2n \u0111\u1ec3 \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u1eabn c\u00f2n t\u1ed3n t\u1ea1i, v\u1ecb chuy\u00ean gia n\u00e0y cho r\u1eb1ng, nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n c\u00f3 nhu c\u1ea7u vay v\u1ed1n nh\u01b0ng l\u1ea1i v\u01b0\u1edbng ph\u1ea3i nhi\u1ec1u th\u1ee7 t\u1ee5c trong c\u00e1c bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro v\u1ed1n vay c\u1ee7a ng\u00e2n h\u00e0ng, ti\u00eau bi\u1ec3u nh\u01b0 y\u00eau c\u1ea7u v\u1ec1 ch\u1ee9ng minh thu nh\u1eadp. Kh\u00e1c v\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng doanh nghi\u1ec7p v\u1edbi t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u00f3 th\u1ec3 l\u00e0 k\u1ebf ho\u1ea1ch kinh doanh, h\u1ee3p \u0111\u1ed3ng mua b\u00e1n… nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n v\u1edbi ng\u00e0nh ngh\u1ec1 \u0111\u1eb7c th\u00f9, kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o th\u00ec \u0111\u00e2y s\u1ebd l\u00e0 y\u00eau c\u1ea7u kh\u00f3, h\u1ecd kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c n\u00ean \u0111\u00e0nh nh\u1edd c\u1eady \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

H\u01a1n n\u1eefa, kh\u00f3 kh\u0103n trong vi\u1ec7c x\u1eed l\u00fd \u201ct\u00edn d\u1ee5ng \u0111en\u201d c\u00f2n \u0111\u1ebfn t\u1eeb c\u01a1 s\u1edf ph\u00e1p l\u00fd, theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a hai y\u1ebfu t\u1ed1 cho vay b\u1ea5t h\u1ee3p ph\u00e1p \u0111i \u0111\u00f4i v\u1edbi \u00e1p \u0111\u1eb7t m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t cao tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Tuy nhi\u00ean, hi\u1ec7n v\u1eabn ch\u01b0a c\u00f3 b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh hay gi\u1ea3i th\u00edch c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 th\u1ebf n\u00e0o l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, m\u1eb7c d\u00f9 v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00f3i \u0111\u1ebfn nhi\u1ec1u trong x\u00e3 h\u1ed9i.<\/em><\/p>\n

Do \u0111\u00f3, \u0111\u1ec3 \u201ct\u00edn d\u1ee5ng \u0111en\u201d kh\u00f4ng c\u00f2n \u201c\u0111\u1ea5t s\u1ed1ng\u201d, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho hay, c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a t\u1eebng b\u1ed9 ph\u1eadn d\u00e2n ch\u00fang, gi\u00fap ng\u01b0\u1eddi d\u00e2n d\u1ec5 ti\u1ebfp c\u1eadn v\u1ed1n vay h\u01a1n.<\/p>\n

H\u01a1n n\u1eefa, hi\u1ec7n lu\u1eadt t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1eabn t\u1eadp trung nhi\u1ec1u h\u01a1n v\u00e0o t\u00edn d\u1ee5ng cho doanh nghi\u1ec7p, ch\u01b0a \u0111\u1ecbnh ngh\u0129a r\u00f5 r\u00e0ng cho vay c\u00e1 nh\u00e2n v\u00e0 bi\u1ec7n ph\u00e1p cho ph\u00e9p ng\u00e2n h\u00e0ng thu h\u1ed3i n\u1ee3 cho vay c\u00e1 nh\u00e2n nh\u01b0 th\u1ebf n\u00e0o\u2026 V\u00ec th\u1ebf, h\u00e0nh lang ph\u00e1p l\u00fd c\u1ea7n c\u00f3 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh ph\u00f9 h\u1ee3p h\u01a1n.<\/p>\n

\u0110i\u1ec1u quan tr\u1ecdng, vi\u1ec7c x\u1eed l\u00fd v\u1ea5n n\u1ea1n n\u00e0y c\u1ea7n s\u1ef1 v\u00e0o cu\u1ed9c m\u1ea1nh m\u1ebd h\u01a1n c\u1ee7a c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng, c\u00f9ng v\u1edbi vi\u1ec7c n\u00e2ng cao nh\u1eadn th\u1ee9c c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1ec1 nh\u1eefng t\u00e1c h\u1ea1i, th\u1ee7 \u0111o\u1ea1n v\u00e0 m\u1eb7t tr\u00e1i ph\u00e1p lu\u1eadt khi vay b\u1eb1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

H\u01b0\u01a1ng D\u1ecbu<\/strong><\/p>\n

——————————————<\/p>\n

H\u1ea3i quan (Kinh t\u1ebf) 28-11-2015:<\/em><\/strong><\/p>\n

http:\/\/www.baohaiquan.vn\/Pages\/Tang-tin-dung-tieu-dung-co-giam-tin-dung-den.aspx<\/em><\/a><\/p>\n

(99\/744)","protected":false},"excerpt":{"rendered":"

(HQ) – Trong nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2015, t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng t\u0103ng m\u1ea1nh so v\u1edbi th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m 2014. \u0110i\u1ec1u n\u00e0y \u0111ang \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf v\u1ea5n n\u1ea1n “t\u00edn d\u1ee5ng \u0111en” v\u1eabn c\u00f2n nh\u1ee9c nh\u1ed1i hi\u1ec7n nay. C\u1ea7n tang c\u01b0\u1eddng c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ec3 h\u1ea1n ch\u1ebf […]<\/p>\n","protected":false},"author":1,"featured_media":29341,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29340","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n837. T\u0103ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, c\u00f3 gi\u1ea3m \u201ct\u00edn d\u1ee5ng \u0111en\u201d? - 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-837-tang-tin-dung-tieu-dung-co-giam-tin-dung-den\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]837. T\u0103ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, c\u00f3 gi\u1ea3m \u201ct\u00edn d\u1ee5ng \u0111en\u201d?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(HQ) – Trong nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2015, t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng t\u0103ng m\u1ea1nh so v\u1edbi th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m 2014. \u0110i\u1ec1u n\u00e0y \u0111ang \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf v\u1ea5n n\u1ea1n “t\u00edn d\u1ee5ng \u0111en” v\u1eabn c\u00f2n nh\u1ee9c nh\u1ed1i hi\u1ec7n nay. 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