{"id":30252,"date":"2017-09-28T11:04:23","date_gmt":"2017-09-28T04:04:23","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30252"},"modified":"2022-06-27T11:52:08","modified_gmt":"2022-06-27T04:52:08","slug":"1-558-cho-vay-tieu-dung-se-phat-trien","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-558-cho-vay-tieu-dung-se-phat-trien\/","title":{"rendered":"1.558. Cho vay ti\u00eau d\u00f9ng s\u1ebd ph\u00e1t tri\u1ec3n"},"content":{"rendered":"(TBNH) – Kh\u00f4ng n\u00ean ch\u1ec9 coi cho vay ti\u00eau d\u00f9ng l\u00e0 ti\u00eau d\u00f9ng, m\u00e0 c\u1ea7n ph\u1ea3i coi \u0111\u00f3 c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1eb7c bi\u1ec7t c\u1ee7a t\u00edn d\u1ee5ng h\u01b0\u1edbng t\u1edbi s\u1ea3n xu\u1ea5t, kinh doanh.<\/strong><\/p>\n

C\u1ea7n ti\u1ec1n nh\u01b0ng\u00a0ng\u1ea1i \u0111i\u1ec1u ki\u1ec7n vay<\/strong><\/p>\n

\u201cV\u1edbi th\u1ecb ph\u1ea7n m\u1edbi ch\u1ec9 chi\u1ebfm kho\u1ea3ng 5-10% tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng th\u00ec d\u01b0 \u0111\u1ecba c\u1ee7a th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng (CVTD) \u1edf Vi\u1ec7t Nam\u00a0 c\u00f2n r\u1ea5t l\u1edbn. T\u1ef7 l\u1ec7 n\u00e0y \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n th\u01b0\u1eddng l\u00e0 40-50%\u201d, theo PGS. TS. Ho\u00e0ng V\u0103n H\u1ea3i – Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Qu\u1ea3n tr\u1ecb kinh doanh (QTKD)\u00a0 Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf – \u0110HQGHN. M\u1ed9t nghi\u00ean c\u1ee9u g\u1ea7n \u0111\u00e2y c\u1ee7a vi\u1ec7n n\u00e0y c\u0169ng ch\u1ec9 ra xu h\u01b0\u1edbng m\u1edbi c\u1ee7a h\u00e0nh vi vay ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n. \u0110\u00e2y c\u0169ng l\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean c\u00f3 m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ed9c l\u1eadp \u0111\u00e1nh gi\u00e1 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) CVTD t\u1eeb g\u00f3c \u0111\u1ed9 c\u1ea3m nh\u1eadn c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng (NTD).<\/p>\n

Vi\u1ec7n QTKD \u0111\u00e3 nghi\u00ean c\u1ee9u v\u00e0 kh\u1ea3o s\u00e1t h\u01a1n 2.000 NTD tr\u00ean \u0111\u1ecba b\u00e0n 12 t\u1ec9nh\/th\u00e0nh ph\u1ed1 v\u00e0 k\u1ebft qu\u1ea3 cho th\u1ea5y trong khi nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n c\u00f2n c\u00f3 t\u00e2m l\u00fd e ng\u1ea1i khi ti\u1ebfp x\u00fac v\u1edbi d\u1ecbch v\u1ee5 CVTD c\u1ee7a c\u00e1c CTTC nh\u01b0ng m\u1ed9t b\u1ed9 ph\u1eadn NTD, \u0111\u1eb7c bi\u1ec7t l\u00e0 gi\u1edbi tr\u1ebb \u0111ang c\u00f3 nhu c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng l\u00ean \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 n\u00e0y.<\/p>\n\n\n\n\n
\"\"<\/em><\/td>\n<\/tr>\n
Th\u1ecb tr\u01b0\u1eddng c\u00e0ng minh b\u1ea1ch, c\u1ea1nh tranh t\u0103ng l\u00ean l\u00fac \u0111\u00f3 l\u00e3i su\u1ea5t c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00f3 62,4% s\u1ed1 ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t cho bi\u1ebft ch\u01b0a \u0111i vay ti\u00eau d\u00f9ng. L\u00fd do ch\u01b0a vay b\u1edfi h\u1ecd kh\u00f4ng mu\u1ed1n thi\u1ebfu n\u1ee3 v\u00e0 lo ng\u1ea1i v\u1ec1 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n. Nh\u01b0ng c\u0169ng c\u00f3 \u0111\u1ebfn 47,8% s\u1ed1 ng\u01b0\u1eddi ch\u01b0a t\u1eebng \u0111i vay ti\u00eau d\u00f9ng trong tr\u1ea3 l\u1eddi kh\u1ea3o s\u00e1t \u0111\u00e3 b\u00e0y t\u1ecf quan \u0111i\u1ec3m \u201cs\u1eb5n s\u00e0ng ho\u1eb7c ch\u1ea5p nh\u1eadn \u0111i vay \u0111\u1ec3 ti\u00eau d\u00f9ng n\u1ebfu th\u1ea5y c\u1ea7n thi\u1ebft\u201d. C\u00f2n \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 t\u1eebng vay ti\u00eau d\u00f9ng, c\u00e1c nh\u00f3m y\u1ebfu t\u1ed1 s\u1ebd chi ph\u1ed1i \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh l\u1ef1a ch\u1ecdn CTTC \u0111\u1ec3 vay g\u1ed3m: C\u00e1c ch\u00ednh s\u00e1ch cho vay (r\u00f5 r\u00e0ng, minh b\u1ea1ch, d\u1ec5 hi\u1ec3u); Y\u1ebfu t\u1ed1 t\u1ea1o c\u1ea3m gi\u00e1c th\u00e2n thi\u1ec7n (c\u00e1c \u01b0u \u0111\u00e3i, th\u00e1i \u0111\u1ed9 nh\u00e2n vi\u00ean cho vay\u2026); S\u1ef1 thu\u1eadn ti\u1ec7n c\u1ee7a d\u1ecbch v\u1ee5 (kho\u1ea3n vay linh ho\u1ea1t, giao d\u1ecbch nhanh ch\u00f3ng). B\u00ean c\u1ea1nh \u0111\u00f3, mong mu\u1ed1n v\u1ec1 gi\u1ea3m l\u00e3i su\u1ea5t vay v\u00e0 th\u1ee7 t\u1ee5c vay \u0111\u01a1n gi\u1ea3n h\u01a1n c\u0169ng l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 h\u00e0ng \u0111\u1ea7u m\u00e0 kh\u00e1ch h\u00e0ng vay k\u1ef3 v\u1ecdng. B\u00e1o c\u00e1o c\u0169ng ghi nh\u1eadn m\u1ed9t th\u1ef1c t\u1ebf l\u00e0 m\u1ecdi ng\u01b0\u1eddi v\u1eabn gi\u1eef th\u00f3i quen ngh\u0129 ngay \u0111\u1ebfn ng\u01b0\u1eddi th\u00e2n hay ng\u00e2n h\u00e0ng khi c\u00f3 nhu c\u1ea7u ch\u1ee9 \u00edt ngh\u0129 \u0111\u1ebfn vay t\u1ea1i c\u00e1c CTTC.<\/p>\n

C\u0169ng theo k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u c\u1ee7a Vi\u1ec7n QTKD cho th\u1ea5y, \u0111a s\u1ed1 kh\u00e1ch h\u00e0ng \u0111\u00e3 vay c\u1ee7a CTTC h\u00e0i l\u00f2ng v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 c\u1ee7a c\u00e1c CTTC. Kh\u00e1ch h\u00e0ng \u0111\u00e3 t\u1eebng vay c\u00e1c CTTC c\u00f3 \u0111\u00e1nh gi\u00e1 t\u01b0\u01a1ng \u0111\u1ed1i t\u1ed1t v\u1ec1 s\u1ea3n ph\u1ea9m, th\u1ee7 t\u1ee5c v\u00e0 quy tr\u00ecnh cho vay c\u1ee7a c\u00e1c CTTC. Tuy nhi\u00ean, m\u1ee9c \u0111\u1ed9 h\u00e0i l\u00f2ng v\u1ec1 chi ph\u00ed vay th\u00ec c\u00f2n t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p h\u01a1n so v\u1edbi s\u1ef1 h\u00e0i l\u00f2ng v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c c\u1ee7a ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5. T\u1eeb g\u00f3c \u0111\u1ed9 \u0111\u00e1nh gi\u00e1 c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 k\u1ebft h\u1ee3p v\u1edbi c\u00e1c ti\u00eau ch\u00ed \u0111\u00e1nh gi\u00e1 n\u0103ng l\u1ef1c cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a CTTC, k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u \u0111\u00e3 cho th\u1ea5y Home Credit \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 c\u00f4ng ty c\u00f3 \u0111i\u1ec3m s\u1ed1 \u0111\u00e1nh gi\u00e1 cao nh\u1ea5t, ti\u1ebfp theo \u0111\u00f3 l\u00e0 FE Credit v\u00e0 HD Saison.<\/p>\n\n\n\n\n
\"\"<\/em><\/td>\n<\/tr>\n
Th\u1ed1ng k\u00ea d\u01b0 n\u1ee3 CVTD v\u00e0 th\u1ecb ph\u1ea7n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Tuy nghi\u00ean c\u1ee9u t\u1eeb ph\u00eda NTD nh\u01b0ng b\u00e1o c\u00e1o n\u00e0y c\u0169ng cung c\u1ea5p th\u00f4ng tin \u0111a chi\u1ec1u cho ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1ec1 c\u1ea3m nh\u1eadn c\u1ee7a NTD, nhu c\u1ea7u v\u00e0 mong mu\u1ed1n c\u1ee7a h\u1ecd. \u201cTh\u00f4ng qua nghi\u00ean c\u1ee9u n\u00e0y, ch\u00fang t\u00f4i mong mu\u1ed1n g\u00f3p ph\u1ea7n thay \u0111\u1ed5i v\u0103n h\u00f3a ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf c\u1ee7a th\u1ebf gi\u1edbi c\u0169ng nh\u01b0 t\u1ea1o ra s\u1ee9c \u00e9p \u0111\u1ec3 NTD n\u0103ng \u0111\u1ed9ng h\u01a1n, t\u1eeb \u0111\u00f3 th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n\u201d, \u00f4ng H\u1ea3i k\u1ef3 v\u1ecdng.<\/p>\n

Cung t\u0103ng bu\u1ed9c l\u00e3i su\u1ea5t s\u1ebd gi\u1ea3m xu\u1ed1ng<\/strong><\/p>\n

Th\u1ef1c t\u1ebf, nhi\u1ec1u NTD d\u00f9 c\u00f3 nhu c\u1ea7u vay chi ti\u00eau nh\u01b0ng \u00edt ti\u1ebfp c\u1eadn v\u1edbi CTTC v\u00ec nhi\u1ec1u l\u00fd do, trong \u0111\u00f3 m\u1ed9t l\u00fd do c\u00f3 th\u1ec3 l\u00e0 h\u1ecd ch\u01b0a c\u00f3 \u0111\u1ee7 th\u00f4ng tin v\u1ec1 l\u00e3i su\u1ea5t c\u0169ng nh\u01b0 c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 c\u1ee7a c\u00f4ng ty,\u00a0 ho\u1eb7c c\u0169ng c\u00f3 th\u1ec3 do c\u00e1ch ti\u1ebfp c\u1eadn\u00a0 kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c CTTC ch\u01b0a th\u1ef1c s\u1ef1 ch\u1ea1m \u0111\u1ebfn x\u00fac c\u1ea3m v\u00e0 nhu c\u1ea7u c\u1ee7a NTD. \u0110i\u1ec1u \u0111\u00f3 c\u0169ng c\u00f3 ngh\u0129a, khi NTD ch\u01b0a th\u1ecfa m\u00e3n v\u1edbi s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 th\u00ec h\u1ecd ch\u01b0a s\u1eb5n s\u00e0ng \u0111\u1ec3 c\u00f3 th\u1ec3 gi\u1edbi thi\u1ec7u cho ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8\u00a0 v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a CTTC.<\/p>\n

Theo \u00f4ng Nguy\u1ec5n \u0110\u00ecnh \u0110\u1ee9c, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c CTTC HD SAISON, CVTD l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 v\u00e0 v\u1ec1 nguy\u00ean t\u1eafc th\u00ec b\u1ea5t k\u1ef3 m\u1ed9t nh\u00e0 s\u1ea3n xu\u1ea5t n\u00e0o (\u1edf \u0111\u00e2y l\u00e0 CTTC) c\u0169ng ph\u1ea3i t\u00ecm m\u1ecdi c\u00e1ch \u0111\u1ec3 h\u1ea1 gi\u00e1 th\u00e0nh s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 c\u1ee7a m\u00ecnh (\u1edf \u0111\u00e2y l\u00e0 l\u00e3i su\u1ea5t). \u201cB\u1ea3n th\u00e2n ch\u00fang t\u00f4i lu\u00f4n t\u00e2m ni\u1ec7m l\u00e0m sao ph\u1ea3i h\u1ea1 \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t b\u1edfi n\u00f3 li\u00ean quan \u0111\u1ebfn y\u1ebfu t\u1ed1 c\u1ea1nh tranh ch\u1ee9 kh\u00f4ng th\u1ec3 m\u1ed9t m\u00ecnh m\u1ed9t ch\u1ee3 \u0111\u01b0\u1ee3c\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/p>\n

Ghi nh\u1eadn l\u00e3i su\u1ea5t hi\u1ec7n nay cao nh\u01b0ng theo PGS.TS. L\u00ea Th\u1ecb Kim Nhung, Tr\u01b0\u1edfng khoa TC-NH, \u0110\u1ea1i h\u1ecdc Th\u01b0\u01a1ng m\u1ea1i, khi m\u00e0 ch\u00fang ta c\u00f3 th\u1ecb tr\u01b0\u1eddng c\u00e0ng ng\u00e0y c\u00e0ng minh b\u1ea1ch, c\u1ea1nh tranh t\u0103ng l\u00ean th\u00ec l\u00fac \u0111\u00f3 l\u00e3i su\u1ea5t s\u1ebd c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m. \u201cQuy lu\u1eadt c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng l\u00e0 quy lu\u1eadt b\u00ecnh qu\u00e2n h\u00f3a t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn. Theo \u0111\u00f3, n\u1ebfu l\u0129nh v\u1ef1c CVTD c\u00f3 t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cao h\u01a1n c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c b\u1edfi y\u1ebfu t\u1ed1 l\u00e3i su\u1ea5t cao th\u00ec s\u1ebd ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u CTTC tham gia c\u1ea1nh tranh khi\u1ebfn cung t\u0103ng v\u00e0 bu\u1ed9c l\u00e3i su\u1ea5t s\u1ebd gi\u1ea3m xu\u1ed1ng\u201d, b\u00e0 Nhung cho bi\u1ebft.<\/p>\n

LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span> cho r\u1eb1ng, l\u00e3i su\u1ea5t CVTD hi\u1ec7n nay \u0111\u00fang l\u00e0 h\u01a1i cao v\u00e0 n\u1ebfu l\u00e3i su\u1ea5t cao qu\u00e1 th\u00ec c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nguy c\u01a1 nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3. M\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n l\u00e3i su\u1ea5t cao – theo \u00f4ng \u0110\u1ee9c – c\u00f3 th\u1ec3 do c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u00e3 t\u00ednh \u0111\u1ebfn c\u00e1c \u201cr\u1ee7i ro h\u1ebft c\u1ee1\u201d v\u00e0 h\u1ecd \u0111\u1eb7t l\u00e3i su\u1ea5t cao \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c c\u00e1c r\u1ee7i ro \u0111\u00f3.<\/p>\n

Tuy nhi\u00ean, v\u1edbi k\u1ebft qu\u1ea3 kinh doanh \u0111\u01b0\u1ee3c ghi nh\u1eadn l\u00e0 kh\u00e1 t\u00edch c\u1ef1c c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng th\u1eddi gian v\u1eeba qua th\u00ec c\u00f3 th\u1ec3 c\u00e1c r\u1ee7i ro kh\u00f4ng ph\u1ea3i \u1edf m\u1ee9c cao nh\u01b0 v\u1eady. Do \u0111\u00f3, d\u00f9 l\u00e2u nay \u0111\u00e3 c\u00f3 ng\u01b0\u1eddi \u0111\u1eb7t ra c\u00e2u h\u1ecfi l\u00e0 c\u00f3 n\u00ean \u0111\u1eb7t tr\u1ea7n l\u00e3i su\u1ea5t CVTD hay kh\u00f4ng v\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean t\u1ea1i H\u1ed9i th\u1ea3o n\u00e0y, chuy\u00ean gia n\u00e0y \u0111\u01b0a ra quan \u0111i\u1ec3m\u00a0 \u201cc\u00f3 th\u1ec3 \u0111\u1eb7t tr\u1ea7n l\u00e3i su\u1ea5t v\u1edbi m\u1ee9c tr\u1ea7n c\u00f3 th\u1ec3 l\u00e0 35 \u0111\u1ebfn 40%\u201d. L\u00fd gi\u1ea3i cho \u0111i\u1ec1u n\u00e0y, LS. \u0110\u1ee9c cho bi\u1ebft v\u00ec hi\u1ec7n nay theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, ch\u00fang ta v\u1eabn \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t 20%. \u0110\u1ebfn khi b\u1ecf tr\u1ea7n n\u00e0y, th\u1ecb tr\u01b0\u1eddng th\u1ef1c s\u1ef1 t\u1ef1 do c\u1ea1nh tranh th\u00ec c\u0169ng kh\u00f4ng c\u1ea7n \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t CVTD\u00a0n\u1eefa.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, cho r\u1eb1ng CVTD s\u1ebd l\u00e0 k\u00eanh cung c\u1ea5p v\u1ed1n nhanh ch\u00f3ng, ti\u1ec7n l\u1ee3i, c\u00f3 hi\u1ec7u qu\u1ea3 v\u00e0 c\u1ef1c k\u1ef3 ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf ph\u00e1t tri\u1ec3n hi\u1ec7n \u0111\u1ea1i, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c th\u1ebf h\u1ec7 tr\u1ebb hi\u1ec7n nay, LS. \u0110\u1ee9c cho r\u1eb1ng, \u0111\u00e3 \u0111\u1ebfn l\u00fac c\u1ea7n \u0111\u1ec3 cho CVTD ph\u00e1t tri\u1ec3n nhanh v\u00e0 m\u1ea1nh h\u01a1n n\u1eefa. \u201cC\u1ea7n ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng theo h\u01b0\u1edbng c\u1ea3i c\u00e1ch m\u1ea1nh m\u1ebd, c\u1edfi m\u1edf, th\u00f4ng tho\u00e1ng Lu\u1eadt C\u00e1c TCTD v\u00e0 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. Th\u1eadm ch\u00ed c\u1ea7n xem x\u00e9t c\u1ea3 kh\u1ea3 n\u0103ng \u0111\u01b0a CTTC ti\u00eau d\u00f9ng ra kh\u1ecfi lo\u1ea1i h\u00ecnh TCTD \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh l\u1ea1i \u0111\u00fang vai tr\u00f2 c\u1ee7a \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh n\u00e0y. B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u00e3 \u0111\u1ebfn l\u00fac kh\u00f4ng n\u00ean ch\u1ec9 coi CVTD l\u00e0 ti\u00eau d\u00f9ng, m\u00e0 c\u1ea7n ph\u1ea3i coi \u0111\u00f3 c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1eb7c bi\u1ec7t c\u1ee7a t\u00edn d\u1ee5ng h\u01b0\u1edbng t\u1edbi s\u1ea3n xu\u1ea5t, kinh doanh\u201d, \u00f4ng \u0110\u1ee9c n\u00eau quan \u0111i\u1ec3m.<\/p>\n\n\n\n
\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ed7 L\u00ea<\/strong><\/p>\n

——————<\/p>\n

Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (Ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb) 28-9-2017:<\/em><\/strong><\/p>\n

http:\/\/thoibaonganhang.vn\/cho-vay-tieu-dung-se-phat-trien-67985.html<\/a><\/em><\/p>\n

(400\/1.442)<\/em>","protected":false},"excerpt":{"rendered":"

(TBNH) – Kh\u00f4ng n\u00ean ch\u1ec9 coi cho vay ti\u00eau d\u00f9ng l\u00e0 ti\u00eau d\u00f9ng, m\u00e0 c\u1ea7n ph\u1ea3i coi \u0111\u00f3 c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1eb7c bi\u1ec7t c\u1ee7a t\u00edn d\u1ee5ng h\u01b0\u1edbng t\u1edbi s\u1ea3n xu\u1ea5t, kinh doanh. C\u1ea7n ti\u1ec1n nh\u01b0ng\u00a0ng\u1ea1i \u0111i\u1ec1u ki\u1ec7n vay \u201cV\u1edbi th\u1ecb ph\u1ea7n m\u1edbi ch\u1ec9 chi\u1ebfm kho\u1ea3ng 5-10% tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng th\u00ec […]<\/p>\n","protected":false},"author":10,"featured_media":30289,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.558. 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