{"id":30254,"date":"2017-09-28T11:07:27","date_gmt":"2017-09-28T04:07:27","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30254"},"modified":"2022-06-27T11:52:20","modified_gmt":"2022-06-27T04:52:20","slug":"1-560-thay-doi-thoi-quen-tieu-dung-se-thuc-day-thi-truong-cho-vay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-560-thay-doi-thoi-quen-tieu-dung-se-thuc-day-thi-truong-cho-vay\/","title":{"rendered":"1.560. Thay \u0111\u1ed5i th\u00f3i quen ti\u00eau d\u00f9ng s\u1ebd th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng cho vay"},"content":{"rendered":"

(TT) – Theo PGS.TS Ho\u00e0ng V\u0103n H\u1ea3i – Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Qu\u1ea3n tr\u1ecb Kinh doanh (QTKD), Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf (\u0110\u1ea1i h\u1ecdc Qu\u1ed1c gia H\u00e0 N\u1ed9i), qua d\u1ef1 \u00e1n nghi\u00ean c\u1ee9u \u201cTh\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam: Th\u1ef1c tr\u1ea1ng v\u00e0 khuy\u1ebfn ngh\u1ecb cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u201d cho th\u1ea5y, xu h\u01b0\u1edbng thay \u0111\u1ed5i th\u00f3i quen ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y \u0111ang t\u1ea1o ra nh\u1eefng \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng.<\/strong><\/p>\n

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Quang c\u1ea3nh bu\u1ed5i t\u1ecda \u0111\u00e0m.<\/em><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

C\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba cho 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 \u1edf Vi\u1ec7t Nam 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, PGS. TS. Ho\u00e0ng V\u0103n H\u1ea3i n\u00f3i.<\/p>\n

Theo c\u00e1c chuy\u00ean gia kinh t\u1ebf, vi\u1ec7c d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng li\u00ean t\u1ee5c t\u0103ng tr\u01b0\u1edfng 20 – 30%\/n\u0103m k\u1ec3 t\u1eeb 2010 nh\u01b0ng m\u1edbi ch\u1ec9 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c kho\u1ea3ng 1\/4 nhu c\u1ea7u vay v\u1ed1n gi\u00fap th\u1ecb tr\u01b0\u1eddng n\u00e0y c\u00f3 ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n l\u1edbn.<\/p>\n

Trong ph\u1ea1m vi c\u1ee7a nghi\u00ean c\u1ee9u do Vi\u1ec7n QTKD v\u1eeba th\u1ef1c hi\u1ec7n, kh\u1ea3o s\u00e1t \u0111\u1ed1i v\u1edbi h\u01a1n 2.000 ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u00ean \u0111\u1ecba b\u00e0n 12 t\u1ec9nh\/th\u00e0nh ph\u1ed1 \u0111\u00e3 cho th\u1ea5y, v\u1eabn c\u00f2n 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 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Tuy nhi\u00ean \u0111\u1ed1i v\u1edbi gi\u1edbi tr\u1ebb, nhu c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng, c\u00f3 \u0111\u1ebfn 47.8% s\u1ed1 ng\u01b0\u1eddi ch\u01b0a t\u1eebng \u0111i vay ti\u00eau d\u00f9ng khi 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.<\/p>\n

K\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t c\u0169ng cho th\u1ea5y, n\u0103ng l\u1ef1c v\u00e0 th\u00e1i \u0111\u1ed9 c\u1ee7a nh\u00e2n vi\u00ean t\u1ed5 ch\u1ee9c cho vay ti\u00eau d\u00f9ng \u1ea3nh h\u01b0\u1edfng l\u1edbn nh\u1ea5t \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh vay v\u00e0 ti\u1ebfp t\u1ee5c vay c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Nhi\u1ec1u kh\u00e1ch h\u00e0ng t\u1eebng vay c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) \u0111\u00e3 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 th\u1ea5p 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.<\/p>\n

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, c\u00e1c CTTC \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 cao g\u1ed3m HomeCredit, FE Credit, HD Saison. Trong \u0111\u00f3, d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng l\u00e0 Home Credit v\u1edbi \u0111\u00e1nh gi\u00e1 cao c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 s\u1ea3n ph\u1ea9m \u0111a d\u1ea1ng, ch\u00ednh s\u00e1ch v\u1ec1 s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 r\u00f5 r\u00e0ng, minh b\u1ea1ch. Home Credit c\u0169ng \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn l\u00e0 m\u1ed9t c\u00f4ng ty c\u00f3 nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng \u0111\u00f3ng g\u00f3p cho c\u1ed9ng \u0111\u1ed3ng v\u1edbi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n cho c\u1ed9ng \u0111\u1ed3ng trong nhi\u1ec1u n\u0103m qua.<\/p>\n

K\u1ef3 v\u1ecdng l\u00e3i su\u1ea5t cho vay gi\u1ea3m<\/strong><\/p>\n

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N\u0103ng l\u1ef1c v\u00e0 th\u00e1i \u0111\u1ed9 c\u1ee7a nh\u00e2n vi\u00ean t\u1ed5 ch\u1ee9c cho vay ti\u00eau d\u00f9ng \u1ea3nh h\u01b0\u1edfng l\u1edbn nh\u1ea5t \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh vay v\u00e0 ti\u1ebfp t\u1ee5c vay c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng<\/em>.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Theo Vi\u1ec7n QTKD, th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng s\u1ebd c\u00f3 ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n l\u1edbn trong t\u01b0\u01a1ng lai v\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u s\u1ef1 l\u1ef1a ch\u1ecdn khi ti\u1ebfp x\u00fac v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n kh\u00e1c nhau. Khi c\u00e1c t\u1ed5 ch\u1ee9c cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd, ng\u01b0\u1eddi d\u00e2n s\u1ebd c\u00f3 c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u1eefng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ch\u1ea5t l\u01b0\u1ee3ng ng\u00e0y c\u00e0ng t\u1ed1t h\u01a1n ,l\u00e3i su\u1ea5t s\u1ebd c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m \u0111i.<\/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 cho vay ti\u00eau d\u00f9ng hi\u1ec7n 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.<\/p>\n

\u201cM\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n l\u00e3i su\u1ea5t cao 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\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i. 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.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, cho r\u1eb1ng cho vay ti\u00eau d\u00f9ng 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 cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n nhanh v\u00e0 m\u1ea1nh h\u01a1n n\u1eefa.<\/p><\/div>\n

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\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 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (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 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\u201d, \u00f4ng \u0110\u1ee9c chia s\u1ebb.<\/p>\n

\u00d4ng Nguy\u1ec5n \u0110\u00ecnh \u0110\u1ee9c, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c CTTC HD SAISON cho hay: Cho vay ti\u00eau d\u00f9ng 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 (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

Li\u00ean quan t\u1edbi v\u1ea5n \u0111\u1ec1 n\u00e0y, PGS.TS. L\u00ea Th\u1ecb Kim Nhung, Tr\u01b0\u1edfng khoa T\u00e0i ch\u00ednh – Ng\u00e2n h\u00e0ng (\u0110\u1ea1i h\u1ecdc Th\u01b0\u01a1ng m\u1ea1i) chia s\u1ebb: Th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng 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.<\/p>\n

\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 cho vay ti\u00eau d\u00f9ng 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 n\u00f3i.<\/p>\n<\/div>\n

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Vi\u1ec7n Qu\u1ea3n tr\u1ecb Kinh doanh \u2013 ti\u1ec1n th\u00e2n l\u00e0 Khoa Qu\u1ea3n tr\u1ecb kinh doanh, thu\u1ed9c Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf – \u0110\u1ea1i h\u1ecdc Qu\u1ed1c gia H\u00e0 N\u1ed9i. Trong nh\u1eefng n\u0103m qua, Vi\u1ec7n Qu\u1ea3n tr\u1ecb kinh doanh \u0111\u00e3 lu\u00f4n n\u1ed7 l\u1ef1c th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5 ch\u1ee7 y\u1ebfu g\u1ed3m:<\/p>\n

– Cung c\u1ea5p cho x\u00e3 h\u1ed9i ngu\u1ed3n nh\u00e2n l\u1ef1c ch\u1ea5t l\u01b0\u1ee3ng cao trong l\u0129nh v\u1ef1c qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a x\u00e3 h\u1ed9i v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc.<\/p>\n

– Chuy\u1ec3n giao c\u00e1c k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u, c\u00e1c l\u00fd thuy\u1ebft v\u00e0 t\u01b0 t\u01b0\u1edfng m\u1edbi v\u1ec1 qu\u1ea3n tr\u1ecb cho c\u00e1c doanh nghi\u1ec7p.<\/p>\n

– Cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n ch\u1ea5t l\u01b0\u1ee3ng cao v\u1ec1 qu\u1ea3n tr\u1ecb cho c\u00e1c doanh nghi\u1ec7p v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n

PV<\/strong><\/div>\n

——————<\/p>\n

Tin t\u1ee9c (Kinh t\u1ebf) 28-9-2017:<\/em><\/strong><\/p>\n

http:\/\/baotintuc.vn\/doanh-nghiep-doanh-nhan\/thay-doi-thoi-quen-tieu-dung-se-thuc-day-thi-truong-cho-vay-20170928165225241.htm<\/em><\/a><\/p>\n

(312\/1.287)<\/em>","protected":false},"excerpt":{"rendered":"

(TT) – Theo PGS.TS Ho\u00e0ng V\u0103n H\u1ea3i – Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Qu\u1ea3n tr\u1ecb Kinh doanh (QTKD), Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf (\u0110\u1ea1i h\u1ecdc Qu\u1ed1c gia H\u00e0 N\u1ed9i), qua d\u1ef1 \u00e1n nghi\u00ean c\u1ee9u \u201cTh\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam: Th\u1ef1c tr\u1ea1ng v\u00e0 khuy\u1ebfn ngh\u1ecb cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u201d cho th\u1ea5y, xu h\u01b0\u1edbng thay […]<\/p>\n","protected":false},"author":10,"featured_media":30291,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.560. 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