{"id":29594,"date":"2016-01-16T10:55:01","date_gmt":"2016-01-16T03:55:01","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29594"},"modified":"2022-06-24T22:02:58","modified_gmt":"2022-06-24T15:02:58","slug":"853-co-hoi-bung-no-cho-tin-dung-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/853-co-hoi-bung-no-cho-tin-dung-tieu-dung\/","title":{"rendered":"853. C\u01a1 h\u1ed9i b\u00f9ng n\u1ed5 cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng"},"content":{"rendered":"(\u0110T) – Cho vay ti\u00eau d\u00f9ng l\u00e0 nhu c\u1ea7u kh\u00f4ng th\u1ec3 thi\u1ebfu trong x\u00e3 h\u1ed9i, kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam m\u00e0 c\u00f2n \u1edf nhi\u1ec1u qu\u1ed1c gia kh\u00e1c tr\u00ean th\u1ebf gi\u1edbi. Th\u1eadm ch\u00ed, theo d\u1ef1 b\u00e1o, trong v\u00f2ng 5 n\u0103m t\u1edbi, d\u1ecbch v\u1ee5 n\u00e0y s\u1ebd b\u00f9ng n\u1ed5 \u1edf th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam.<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
T\u00ecm \u0111\u1ebfn c\u00e1c c\u00f4ng ty\u00a0t\u00e0i ch\u00ednh<\/a>\u00a0ti\u00eau d\u00f9ng<\/a>\u00a0l\u00e0 xu th\u1ebf m\u1edbi hi\u1ec7n nay<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u00ecm \u0111\u1ebfn c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 xu th\u1ebf m\u1edbi hi\u1ec7n nay. V\u00e0 th\u1eadm ch\u00ed, theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh –\u00a0ng\u00e2n h\u00e0ng<\/a>, ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng qua c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh chuy\u00ean cho vay ti\u00eau d\u00f9ng l\u00e0 gi\u1ea3i ph\u00e1p h\u1eefu hi\u1ec7u \u0111\u1ec3 g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, gi\u1ea3m c\u00e1c t\u1ec7 n\u1ea1n trong x\u00e3 h\u1ed9i.<\/p>\n

Theo d\u1ef1 b\u00e1o c\u1ee7a c\u00e1c chuy\u00ean gia, trong v\u00f2ng 5 n\u0103m t\u1edbi, c\u00f9ng v\u1edbi s\u1ef1 ph\u1ee5c h\u1ed3i c\u1ee7a n\u1ec1n\u00a0kinh t\u1ebf<\/a>, d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng c\u1ee7a Vi\u1ec7t Nam c\u00f3 th\u1ec3 \u0111\u1ea1t tr\u00ean 15% t\u1ed5ng d\u01b0 n\u1ee3, t\u1ee9c l\u00e0 t\u0103ng b\u00ecnh qu\u00e2n m\u1ed7i n\u0103m 20%. \u0110i\u1ec1u n\u00e0y h\u1ee9a h\u1eb9n s\u1ef1 b\u00f9ng n\u1ed5 v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng trong th\u1eddi gian t\u1edbi.<\/p>\n

Tuy nhi\u00ean, cho t\u1edbi th\u1eddi \u0111i\u1ec3m n\u00e0y, tr\u00ean th\u1ecb tr\u01b0\u1eddng m\u1edbi ch\u1ec9 c\u00f3 6 c\u00f4ng ty chuy\u00ean cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, c\u1ed9ng v\u1edbi m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u00e3 nhanh nh\u1ea1y \u201cph\u1ee7 s\u00f3ng d\u1ecbch v\u1ee5\u201d \u0111\u1ebfn c\u00e1c c\u1eeda h\u00e0ng b\u00e1n s\u1ea3n ph\u1ea9m ti\u00eau d\u00f9ng. Con s\u1ed1 n\u00e0y l\u00e0 qu\u00e1 nh\u1ecf, ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u. Kh\u00f4ng ch\u1ec9 v\u1eady, hi\u1ec7n t\u1ea1i, d\u01b0 lu\u1eadn c\u0169ng ch\u01b0a c\u00f3 c\u00e1i nh\u00ecn \u0111\u00fang \u0111\u1eafn v\u1ec1 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. V\u1eabn c\u00f3 nhi\u1ec1u c\u00e1i nh\u00ecn e ng\u1ea1i \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, do l\u00e3i su\u1ea5t cho vay th\u01b0\u1eddng cao h\u01a1n l\u00e3i su\u1ea5t cho vay c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u1ec3 gi\u00fap b\u1ea1n \u0111\u1ecdc c\u00f3 c\u00e1i nh\u00ecn r\u00f5 n\u00e9t h\u01a1n v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, B\u00e1o \u0110\u1ea7u t\u01b0 \u0111\u00e3 trao \u0111\u1ed5i v\u1edbi c\u00e1c chuy\u00ean gia kinh t\u1ebf v\u1ec1 ti\u1ec1m n\u0103ng, c\u01a1 h\u1ed9i c\u0169ng nh\u01b0 nh\u1eefng \u01b0u, nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a m\u00f4 h\u00ecnh n\u00e0y.<\/p>\n

Th\u1ecb tr\u01b0\u1eddng s\u1ebd r\u1ea5t s\u00f4i \u0111\u1ed9ng.<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, 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

S\u1ef1 ra \u0111\u1eddi c\u1ee7a t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u00e1p \u1ee9ng t\u1ed1t h\u01a1n nhu c\u1ea7u v\u1ed1n cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1ed3ng th\u1eddi g\u00f3p ph\u1ea7n ng\u0103n ch\u1eb7n t\u00edn d\u1ee5ng \u0111en, k\u00edch c\u1ea7u ti\u00eau d\u00f9ng, k\u00edch th\u00edch s\u1ea3n xu\u1ea5t ph\u00e1t tri\u1ec3n. Hi\u1ec7n nay, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 to\u00e0n h\u1ec7 th\u1ed1ng m\u1edbi ch\u1ec9 chi\u1ebfm t\u1ef7 l\u1ec7 nh\u1ecf, n\u00ean d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng c\u00f2n r\u1ea5t l\u1edbn. Trong t\u01b0\u01a1ng lai, ch\u1eafc ch\u1eafn l\u0129nh v\u1ef1c n\u00e0y s\u1ebd r\u1ea5t s\u00f4i \u0111\u1ed9ng, nh\u1ea5t l\u00e0 khi t\u1edbi \u0111\u00e2y, th\u1ecb tr\u01b0\u1eddng c\u00f3 th\u00eam nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng tr\u1ef1c thu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng nh\u1eadp cu\u1ed9c.\u00a0<\/em><\/p>\n

S\u1edf d\u0129 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n m\u1ea1nh, v\u00ec th\u1ee7 t\u1ee5c cho vay r\u1ea5t \u0111\u01a1n gi\u1ea3n, trong khi th\u1ee7 t\u1ee5c vay t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng r\u1ea5t ch\u1eb7t ch\u1ebd. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng r\u1ea5t linh ho\u1ea1t trong vi\u1ec7c \u0111\u01b0a ra c\u00e1c s\u1ea3n ph\u1ea9m vay.<\/em><\/p>\n

Tuy mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho ng\u01b0\u1eddi vay, song nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng v\u1eabn qu\u00e1 cao. V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, t\u00f4i cho r\u1eb1ng, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh lu\u00f4n cao h\u01a1n l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00ec m\u1ed9t lo\u1ea1t l\u00fd do nh\u01b0: c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f3 huy \u0111\u1ed9ng v\u1ed1n v\u00e0 th\u01b0\u1eddng ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng cao h\u01a1n ng\u00e2n h\u00e0ng; kho\u1ea3n vay nh\u1ecf n\u00ean chi ph\u00ed cho vay l\u1edbn; cho vay t\u00edn ch\u1ea5p l\u00e0 ch\u1ee7 y\u1ebfu n\u00ean t\u00ednh r\u1ee7i ro cao\u2026\u00a0<\/em><\/p>\n

Ngo\u00e0i ra, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng cao m\u1ed9t ph\u1ea7n c\u00f2n do th\u1ecb tr\u01b0\u1eddng ch\u01b0a ph\u00e1t tri\u1ec3n m\u1ea1nh, m\u00f4i tr\u01b0\u1eddng kinh doanh c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh qu\u00e1 r\u1ee7i ro. N\u1ebfu sau n\u00e0y, th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n, c\u1ea1nh tranh h\u01a1n th\u00ec m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t s\u1ebd gi\u1ea3m xu\u1ed1ng.<\/em><\/p>\n

T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng mang l\u1ea1i r\u1ea5t nhi\u1ec1u l\u1ee3i \u00edch.<\/strong><\/p>\n

\u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e, 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)<\/em><\/p>\n

C\u1ea7n ph\u1ea3i th\u1ea5y r\u1eb1ng, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng mang l\u1ea1i r\u1ea5t nhi\u1ec1u l\u1ee3i \u00edch. Th\u1ee9 nh\u1ea5t, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u00e3 n\u00e2ng cao c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 thu nh\u1eadp th\u1ea5p v\u00e0 trung b\u00ecnh – nh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c coi l\u00e0 \u201cd\u01b0\u1edbi chu\u1ea9n\u201d, th\u01b0\u1eddng b\u1ecb ng\u00e2n h\u00e0ng t\u1eeb ch\u1ed1i cho vay.<\/p>\n

Th\u1ee9 hai, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng g\u00f3p ph\u1ea7n gia t\u0103ng s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh cho c\u00e1c nh\u00f3m kh\u00e1ch h\u00e0ng m\u1edbi, t\u1ea7ng l\u1edbp d\u00e2n c\u01b0 \u00edt ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. T\u1eeb \u0111\u00f3, gi\u00fap h\u1ecd qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, c\u0169ng nh\u01b0 t\u1ea1o n\u1ec1n t\u1ea3ng \u0111\u1ec3 h\u1ecd c\u00f3 th\u1ec3 s\u1eb5n s\u00e0ng s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

Th\u1ee9 ba, cho vay ti\u00eau d\u00f9ng g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf cho vay n\u1eb7ng l\u00e3i, \u201ct\u00edn d\u1ee5ng \u0111en\u201d. B\u1edfi r\u00f5 r\u00e0ng, n\u1ebfu kh\u00f4ng vay \u0111\u01b0\u1ee3c v\u1ed1n \u1edf c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, nh\u1eefng kh\u00e1ch h\u00e0ng \u201cd\u01b0\u1edbi chu\u1ea9n\u201d c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3i vay t\u00edn d\u1ee5ng \u0111en v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n r\u1ea5t nhi\u1ec1u l\u1ea7n so v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

Tuy nhi\u00ean, cho vay ti\u00eau d\u00f9ng ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1i nh\u00ecn kh\u00e1ch quan t\u1eeb ng\u01b0\u1eddi d\u00e2n v\u00e0 x\u00e3 h\u1ed9i do l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng cao h\u01a1n l\u00e3i su\u1ea5t cho vay kinh doanh.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam m\u00e0 \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n, l\u00e3i vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p bao gi\u1edd c\u0169ng cao h\u01a1n l\u00e3i su\u1ea5t cho vay th\u1ebf ch\u1ea5p. Ch\u00fang ta kh\u00f4ng th\u1ec3 so s\u00e1nh l\u00e3i su\u1ea5t c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, v\u00ec hai b\u00ean c\u00f3 c\u00e1ch ho\u1ea1t \u0111\u1ed9ng, s\u1ea3n ph\u1ea9m v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng vay ho\u00e0n to\u00e0n kh\u00e1c nhau. Ngo\u00e0i ra, v\u00ec cho vay nh\u1ecf l\u1ebb n\u00ean chi ph\u00ed th\u1ea9m \u0111\u1ecbnh, \u0111\u00f2i n\u1ee3, chi ph\u00ed qu\u1ea3n l\u00fd kho\u1ea3n vay\u2026 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng cao h\u01a1n ng\u00e2n h\u00e0ng r\u1ea5t nhi\u1ec1u.<\/p>\n

C\u00f2n nhi\u1ec1u ti\u1ec1m n\u0103ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n.<\/strong><\/p>\n

\u00d4ng \u0110\u00e0o V\u0103n H\u00f9ng, 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<\/em><\/p>\n

T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t th\u1ecb tr\u01b0\u1eddng l\u1edbn, v\u1edbi r\u1ea5t nhi\u1ec1u ti\u1ec1m n\u0103ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n, nh\u1ea5t l\u00e0 trong b\u1ed1i c\u1ea3nh kinh t\u1ebf Vi\u1ec7t Nam \u0111ang h\u1ed3i ph\u1ee5c, nhu c\u1ea7u ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111ang \u0111\u1ea9y m\u1ea1nh. Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, v\u1edbi 90 tri\u1ec7u d\u00e2n m\u00e0 l\u1ea1i ch\u1ec9 c\u00f3 6 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u00ec ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u.<\/p>\n

Khi n\u00f3i v\u1ec1 vi\u1ec7c v\u00ec sao th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam ch\u01b0a ph\u00e1t tri\u1ec3n, c\u1ea7n ph\u1ea3i nh\u00ecn \u1edf c\u1ea3 hai ph\u00eda cung v\u00e0 c\u1ea7u. B\u1ea3n th\u00e2n c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng qu\u1ea3ng b\u00e1 s\u1ea3n ph\u1ea9m c\u00f2n \u00edt, m\u1edbi ch\u1ec9 t\u1eadp trung \u1edf \u0111\u00f4 th\u1ecb, hay ven \u0111\u00f4, trong khi n\u00f4ng th\u00f4n m\u1edbi l\u00e0 n\u01a1i t\u1eadp trung l\u1edbn nhu c\u1ea7u, m\u00e0 \u1edf \u0111\u00e2y s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi ch\u01b0a \u201c\u0111\u1ea1t chu\u1ea9n\u201d vay ng\u00e2n h\u00e0ng l\u00e0 r\u1ea5t l\u1edbn. V\u00e0 th\u1ef1c t\u1ebf l\u00e0 ngay c\u1ea3 nh\u1eefng ng\u01b0\u1eddi c\u00f3 tr\u00ecnh \u0111\u1ed9 c\u0169ng ch\u01b0a hi\u1ec3u h\u1ebft v\u1ec1 d\u1ecbch v\u1ee5 n\u00e0y.<\/p>\n

Cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng c\u00f3 l\u00e3i su\u1ea5t cao h\u01a1n, khi\u1ebfn ng\u01b0\u1eddi d\u00e2n e ng\u1ea1i. Nh\u01b0ng ph\u1ea3i hi\u1ec3u l\u00e0, kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam, m\u00e0 \u1edf t\u1ea5t c\u1ea3 c\u00e1c n\u01b0\u1edbc, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u0111\u1ec1u nh\u01b0 v\u1eady. C\u00f3 nhi\u1ec1u l\u00fd do, trong \u0111\u00f3 c\u00f3 m\u1ed9t l\u00fd do l\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u1eddng \u0111a d\u1ea1ng h\u00f3a s\u1ea3n ph\u1ea9m, h\u1ecd cho vay s\u1ea3n ph\u1ea9m n\u00e0y, nh\u01b0ng c\u00f3 th\u1ec3 thu l\u1ee3i t\u1eeb s\u1ea3n ph\u1ea9m kh\u00e1c. C\u1ea7n ph\u1ea3i hi\u1ec3u r\u00f5 \u0111i\u1ec1u n\u00e0y.<\/p>\n

T\u00f4i c\u0169ng mu\u1ed1n nh\u1ea5n m\u1ea1nh th\u00eam l\u00e0, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ngo\u00e0i \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, c\u00f2n c\u00f3 t\u00e1c d\u1ee5ng khuy\u1ebfn kh\u00edch s\u1ea3n xu\u1ea5t c\u1ee7a\u00a0doanh nghi\u1ec7p<\/a>. C\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t ph\u1ea3i b\u00e1n \u0111\u01b0\u1ee3c h\u00e0ng th\u00ec m\u1edbi c\u00f3 \u0111\u1ed9ng l\u1ef1c \u0111\u1ec3 ti\u1ebfp t\u1ee5c\u00a0\u0111\u1ea7u t\u01b0<\/a>\u00a0cho s\u1ea3n xu\u1ea5t – kinh doanh, t\u1eeb \u0111\u00f3 k\u00edch th\u00edch cho t\u0103ng tr\u01b0\u1edfng. Ph\u1ea3i nh\u00ecn t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng tr\u00ean g\u00f3c \u0111\u1ed9 nh\u01b0 v\u1eady th\u00ec ch\u00fang ta m\u1edbi c\u00f3 \u0111\u01b0\u1ee3c ch\u00ednh s\u00e1ch t\u1ed1t cho d\u1ecbch v\u1ee5 n\u00e0y ph\u00e1t tri\u1ec3n.<\/p>\n

L\u00e3i su\u1ea5t cao l\u00e0 \u0111i\u1ec1u d\u1ec5 hi\u1ec3u<\/strong><\/p>\n

\u00d4ng C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia kinh t\u1ebf<\/em><\/p>\n

C\u00f3 4 \u0111i\u1ec3m kh\u00e1c nhau gi\u1eefa vay ng\u00e2n h\u00e0ng v\u00e0 vay c\u00f4ng ty t\u00e0i ch\u00ednh. \u0110\u00f3 l\u00e0 vay c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec th\u1ee7 t\u1ee5c g\u1ecdn nh\u1eb9, nhanh ch\u00f3ng, \u0111\u00e2y l\u00e0 l\u1ee3i th\u1ebf c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh so v\u1edbi ng\u00e2n h\u00e0ng. V\u1edbi ng\u00e2n h\u00e0ng th\u00ec kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u1ee7 chu\u1ea9n, \u0111\u01b0\u1ee3c th\u1ea9m \u0111\u1ecbnh k\u1ef9 c\u00e0ng. M\u1ea1ng l\u01b0\u1edbi c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh r\u1ea5t \u00edt, m\u1ed9t c\u00f4ng ty ch\u1ec9 c\u00f3 3-4 chi nh\u00e1nh, trong khi m\u1ea1ng l\u01b0\u1edbi c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng r\u1ed9ng l\u1edbn h\u01a1n.<\/p>\n

C\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 cho vay \u201c\u0111\u1ed9c canh\u201d, ng\u00e2n h\u00e0ng th\u00ec r\u1ed9ng h\u01a1n, th\u1eadm ch\u00ed c\u00f3 c\u1ea3 \u201cb\u00e1n ch\u00e9o\u201d s\u1ea3n ph\u1ea9m. V\u1ec1 c\u00f4ng ngh\u1ec7 v\u00e0 nh\u00e2n l\u1ef1c th\u00ec r\u00f5 r\u00e0ng ng\u00e2n h\u00e0ng c\u00f3 l\u1ee3i th\u1ebf h\u01a1n. Tuy nhi\u00ean, ch\u00fang ta kh\u00f4ng n\u00ean tr\u00f3i bu\u1ed9c l\u00e0 ch\u1ec9 c\u00f4ng ty t\u00e0i ch\u00ednh m\u1edbi \u0111\u01b0\u1ee3c cho vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, c\u00f2n ng\u00e2n h\u00e0ng th\u00ec kh\u00f4ng, m\u00e0 ph\u1ea3i \u0111\u1ec3 c\u1ea3 hai \u0111\u1ec1u \u0111\u01b0\u1ee3c cung c\u1ea5p d\u1ecbch v\u1ee5 n\u00e0y. T\u1ea5t nhi\u00ean, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd \u0111\u1ee7 th\u00f4ng minh \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh \u0111\u1ec3 c\u00f4ng ty t\u00e0i ch\u00ednh t\u1eadp trung cho vay ti\u00eau d\u00f9ng, c\u00f2n ng\u00e2n h\u00e0ng ch\u1ec9 th\u1ef1c hi\u1ec7n m\u1ed9t ph\u1ea7n. C\u1ea3 c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng c\u00f9ng cung c\u1ea5p d\u1ecbch v\u1ee5 n\u00e0y th\u00ec s\u1ebd \u0111a d\u1ea1ng h\u00f3a s\u1ea3n ph\u1ea9m v\u00e0 c\u00f3 l\u1ee3i cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

Nhi\u1ec1u ng\u01b0\u1eddi e ng\u1ea1i chuy\u1ec7n l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh cao h\u01a1n c\u1ee7a ng\u00e2n h\u00e0ng, \u0111i\u1ec1u \u0111\u00f3 d\u1ec5 hi\u1ec3u v\u00e0 xu\u1ea5t ph\u00e1t t\u1eeb hai nguy\u00ean nh\u00e2n. \u0110\u00f3 l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh th\u1eadm ch\u00ed ch\u1ea5p nh\u1eadn cho vay d\u01b0\u1edbi chu\u1ea9n, n\u00ean r\u1ee7i ro h\u01a1n, m\u00e0 trong kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng th\u00ec khi r\u1ee7i ro cao, l\u00e3i su\u1ea5t c\u0169ng cao.<\/p>\n

L\u00fd do th\u1ee9 hai, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u1ec1 c\u01a1 b\u1ea3n ch\u1ee7 y\u1ebfu l\u1ea5y ti\u1ec1n t\u1eeb ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu, ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p nh\u1eadn ti\u1ec1n g\u1eedi t\u1eeb kh\u00e1ch h\u00e0ng, trong khi ng\u00e2n h\u00e0ng c\u00f3 l\u1ee3i th\u1ebf h\u01a1n, c\u00f3 th\u1ec3 huy \u0111\u1ed9ng v\u1ed1n nh\u00e0n r\u1ed7i trong d\u00e2n v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n. V\u00ec hai l\u00fd do \u0111\u00f3, l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng cao h\u01a1n l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng, nh\u01b0ng d\u00f9 sao v\u1eabn th\u1ea5p h\u01a1n l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Tr\u1ea7n M\u1ea1nh – Nh\u00e3 Nam<\/strong><\/p>\n

———————————————<\/p>\n

\u0110\u1ea7u t\u01b0 (Ng\u00e2n h\u00e0ng) 16-01-2016:<\/em><\/strong><\/p>\n

http:\/\/baodautu.vn\/co-hoi-bung-no-cho-tin-dung-tieu-dung-d38129.html<\/a><\/em><\/p>\n

(341\/1.849)","protected":false},"excerpt":{"rendered":"

(\u0110T) – Cho vay ti\u00eau d\u00f9ng l\u00e0 nhu c\u1ea7u kh\u00f4ng th\u1ec3 thi\u1ebfu trong x\u00e3 h\u1ed9i, kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam m\u00e0 c\u00f2n \u1edf nhi\u1ec1u qu\u1ed1c gia kh\u00e1c tr\u00ean th\u1ebf gi\u1edbi. Th\u1eadm ch\u00ed, theo d\u1ef1 b\u00e1o, trong v\u00f2ng 5 n\u0103m t\u1edbi, d\u1ecbch v\u1ee5 n\u00e0y s\u1ebd b\u00f9ng n\u1ed5 \u1edf th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam. T\u00ecm \u0111\u1ebfn c\u00e1c c\u00f4ng […]<\/p>\n","protected":false},"author":1,"featured_media":29598,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29594","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n853. C\u01a1 h\u1ed9i b\u00f9ng n\u1ed5 cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng - 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\/853-co-hoi-bung-no-cho-tin-dung-tieu-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]853. C\u01a1 h\u1ed9i b\u00f9ng n\u1ed5 cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110T) – Cho vay ti\u00eau d\u00f9ng l\u00e0 nhu c\u1ea7u kh\u00f4ng th\u1ec3 thi\u1ebfu trong x\u00e3 h\u1ed9i, kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam m\u00e0 c\u00f2n \u1edf nhi\u1ec1u qu\u1ed1c gia kh\u00e1c tr\u00ean th\u1ebf gi\u1edbi. Th\u1eadm ch\u00ed, theo d\u1ef1 b\u00e1o, trong v\u00f2ng 5 n\u0103m t\u1edbi, d\u1ecbch v\u1ee5 n\u00e0y s\u1ebd b\u00f9ng n\u1ed5 \u1edf th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam. 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