{"id":32502,"date":"2019-03-24T09:27:33","date_gmt":"2019-03-24T02:27:33","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=32502"},"modified":"2022-07-08T09:29:05","modified_gmt":"2022-07-08T02:29:05","slug":"2-214-peer-to-peer-va-nhung-he-luy-o-viet-nam","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-214-peer-to-peer-va-nhung-he-luy-o-viet-nam\/","title":{"rendered":"2.214. Peer to Peer v\u00e0 nh\u1eefng h\u1ec7 l\u1ee5y \u1edf Vi\u1ec7t Nam\u00a0"},"content":{"rendered":"<strong>(OH) &#8211; Ch\u01b0a bao gi\u1edd Peer to Peer ( vay ngang h\u00e0ng ) c\u00f9ng nh\u1eefng \u1ee9ng d\u1ee5ng vay ti\u1ec1n tr\u1ef1c tuy\u1ebfn l\u1ea1i ph\u00e1t tri\u1ec3n nh\u01b0 b\u00e3o t\u00e1p t\u1ea1i Vi\u1ec7t Nam th\u1eddi \u0111i\u1ec3m n\u00e0y. Li\u1ec7u Peer to Peer c\u00f3 th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n hay ch\u1ec9 \u0111em l\u1ea1i l\u1ee3i \u00edch cho m\u1ed9t nh\u00f3m ng\u01b0\u1eddi, m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c? V\u00e0 h\u1ec7 l\u1ee5y c\u1ee7a n\u00f3 l\u00e0 g\u00ec?<\/strong><\/p>\n<p>P2P ra \u0111\u1eddi \u0111\u01b0\u1ee3c xem l\u00e0 gi\u1ea3i ph\u00e1p thay th\u1ebf h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng \u0111en v\u1edbi l\u00e3i su\u1ea5t \u201cc\u1eaft c\u1ed5\u201d, l\u00e0m gi\u1ea3m c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay tr\u00e1i ph\u00e1p lu\u1eadt. M\u00f4 h\u00ecnh n\u00e0y \u0111ang ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n, nh\u01b0ng nhi\u1ec1u \u00fd ki\u1ebfn e ng\u1ea1i r\u1eb1ng khi v\u00e0o \u0111\u1ebfn Vi\u1ec7t Nam, cho vay P2P s\u1ebd c\u00f3 nhi\u1ec1u bi\u1ebfn t\u01b0\u1edbng g\u00e2y thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi tham gia.<\/p>\n<p>Xu\u1ea5t hi\u1ec7n l\u1ea7n \u0111\u1ea7u \u1edf Anh, P2P l\u00e0 h\u1ec7 th\u1ed1ng k\u1ebft n\u1ed1i \u0111\u1ea7u t\u01b0 ngang h\u00e0ng tr\u1ef1c tuy\u1ebfn, \u0111\u00f3ng vai tr\u00f2 c\u1ea7u n\u1ed1i gi\u1eefa nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 v\u1ed1n v\u1edbi c\u00e1c c\u00e1 nh\u00e2n c\u1ea7n v\u1ed1n nh\u01b0ng kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n<p>Hi\u1ec3u m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n, \u0111\u00e2y l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c cho vay theo ki\u1ec3u Uber, Grab. N\u0103m 2012, t\u1ed5ng d\u01b0 n\u1ee3 cho vay qua k\u00eanh P2P tr\u00ean to\u00e0n c\u1ea7u \u0111\u1ea1t kho\u1ea3ng 1,2 t\u1ef7 USD, n\u0103m 2015 con s\u1ed1 n\u00e0y l\u00ean t\u1edbi 64 t\u1ef7 USD. V\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng nh\u01b0 th\u1eddi gian qua, d\u1ef1 \u0111o\u00e1n \u0111\u1ebfn n\u0103m 2025, t\u1ed5ng d\u01b0 n\u1ee3 cho vay qua k\u00eanh P2P to\u00e0n th\u1ebf gi\u1edbi s\u1ebd \u0111\u1ea1t h\u01a1n 1.000 t\u1ef7 USD. Lending Club \u2013 doanh nghi\u1ec7p P2P l\u1edbn nh\u1ea5t t\u1ea1i M\u1ef9 \u2013 \u0111\u00e3 cho vay 31 t\u1ef7 USD trong v\u00f2ng 10 n\u0103m qua v\u00e0 \u0111\u00e3 ni\u00eam y\u1ebft tr\u00ean s\u00e0n ch\u1ee9ng kho\u00e1n.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-32503 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/4-1-450x299.jpg\" alt=\"\" width=\"450\" height=\"299\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/4-1-450x299.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/4-1.jpg 612w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>\u1ee8ng d\u1ee5ng iDong<\/p>\n<p>T\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay, m\u00f4 h\u00ecnh cho vay\u00a0P2P v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p\u00a0n\u00ean c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c n\u00e0y th\u01b0\u1eddng \u0111\u0103ng k\u00fd l\u00e0\u00a0c\u00f4ng ty t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0. C\u0169ng nh\u01b0 Uber hay Airbnb, m\u00f4 h\u00ecnh cho vay P2P l\u00e0 m\u1ed9t s\u00e1ng t\u1ea1o c\u1ee7a n\u1ec1n kinh t\u1ebf s\u1ed1. \u0110\u00e2y l\u00e0 m\u1ed9t k\u00eanh ti\u1ebfp c\u1eadn v\u1ed1n m\u1edbi, gi\u00fap th\u00eam nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 c\u01a1 h\u1ed9i vay v\u1ed1n.<\/p>\n<p>Tuy nhi\u00ean, nhi\u1ec1u nh\u00e0 kinh doanh khuy\u1ebfn c\u00e1o nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n ph\u1ea3i nh\u1eadn th\u1ee9c r\u00f5 \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 k\u00eanh \u201cg\u1eedi ti\u1ec1n\u201d, m\u00e0 l\u00e0 k\u00eanh \u0111\u1ea7u t\u01b0. \u0110\u00e3 \u0111\u1ea7u t\u01b0 l\u00e0 ph\u1ea3i ch\u1ecbu r\u1ee7i ro, trong \u0111\u00f3 r\u1ee7i ro l\u1edbn nh\u1ea5t l\u00e0 m\u1ea5t ti\u1ec1n. Ch\u01b0a k\u1ec3, b\u00ean c\u1ea1nh nh\u1eefng c\u00f4ng ty P2P ho\u1ea1t \u0111\u1ed9ng \u0111\u00fang m\u00f4 h\u00ecnh kinh t\u1ebf chia s\u1ebb, s\u1ebd c\u00f3 nh\u1eefng \u201cbi\u1ebfn t\u01b0\u1edbng\u201d l\u1ee3i d\u1ee5ng m\u00f4 h\u00ecnh n\u00e0y \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en tr\u00e1 h\u00ecnh ho\u1eb7c l\u1eeba \u0111\u1ea3o.Ngo\u00e0i Doctor \u0110\u1ed3ng, C\u00f4ng ty Easy Fintech Vi\u1ec7t Nam v\u00e0 nhi\u1ec1u c\u00f4ng ty kh\u00e1c c\u0169ng t\u1ea1o ra c\u00e1c \u1ee9ng d\u1ee5ng Evay, i\u0110\u1ed3ng, Sdong\u2026 cho vay tr\u1ef1c tuy\u1ebfn v\u1edbi l\u00e3i su\u1ea5t 36%\/th\u00e1ng.<\/p>\n<p>Th\u00f4ng tin kh\u00e1ch h\u00e0ng m\u00e0 ai c\u0169ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng c\u00f3 \u0111\u01b0\u1ee3c . T\u1ea5m h\u00ecnh n\u00e0y t\u00f4i \u0111\u00e3 che ph\u1ee7 v\u00f9ng th\u00f4ng tin nh\u1ea1y c\u1ea3m. C\u00e1c nguy\u00ean b\u1ea3n kh\u00e1c \u0111\u01b0\u1ee3c c\u00f4ng khai nh\u1eadn d\u1ea1ng.<\/p>\n<p>Lu\u1eadt s\u01b0 \u2013 ti\u1ebfn s\u0129 B\u00f9i Quang T\u00edn (\u0110o\u00e0n Lu\u1eadt s\u01b0 TP HCM) \u0111\u00e1nh gi\u00e1 doanh nghi\u1ec7p cho vay tr\u1ef1c tuy\u1ebfn \u0111\u00e3 vi ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 l\u00e3i su\u1ea5t. V\u00ec theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt D\u00e2n s\u1ef1 2015, l\u00e3i su\u1ea5t cho vay cao nh\u1ea5t ch\u1ec9 20%\/n\u0103m (1,66%\/th\u00e1ng). C\u00f2n Lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015 s\u1eeda \u0111\u1ed5i b\u1ed5 sung n\u0103m 2017 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay g\u1ea5p 5 l\u1ea7n m\u1ee9c l\u00e3i su\u1ea5t m\u00e0 Lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh th\u00ec b\u00ean cho vay \u0111\u00e3 c\u1ea5u th\u00e0nh t\u1ed9i cho vay n\u1eb7ng l\u00e3i v\u00e0 s\u1ebd b\u1ecb c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1.<\/p>\n<p>Theo \u00f4ng Nguy\u1ec5n Ho\u00e0ng Minh, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Chi nh\u00e1nh TP HCM, doanh nghi\u1ec7p cho vay tr\u1ef1c tuy\u1ebfn v\u1edbi l\u00e3i su\u1ea5t v\u01b0\u1ee3t 20%\/n\u0103m (theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt D\u00e2n s\u1ef1 2015) l\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u201c\u0111en\u201d v\u00e0 l\u00e0m n\u1ea3y sinh m\u1ed9t l\u1ef1c l\u01b0\u1ee3ng \u0111\u00f2i n\u1ee3 thu\u00ea b\u1ea5t h\u1ee3p ph\u00e1p, th\u1eadm ch\u00ed c\u1ea3 nh\u1eefng c\u00f4ng ty thu n\u1ee3 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp h\u1ee3p ph\u00e1p c\u0169ng b\u1ecb cu\u1ed1n v\u00e0o v\u00f2ng xo\u00e1y n\u00e0y.<\/p>\n<p>H\u00e0nh vi \u0111\u00f2i n\u1ee3 thu\u00ea theo ki\u1ec3u x\u00e3 h\u1ed9i \u0111en \u0111\u00e3 v\u00e0 \u0111ang g\u00e2y b\u1ea5t \u1ed5n nghi\u00eam tr\u1ecdng t\u1edbi an ninh tr\u1eadt t\u1ef1 v\u00e0 an to\u00e0n x\u00e3 h\u1ed9i, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn t\u00ednh m\u1ea1ng c\u1ee7a ng\u01b0\u1eddi \u0111i vay. C\u00e1ch \u0111\u00e2y \u00edt ng\u00e0y t\u00f4i th\u1ea5y tr\u00ean \u0111\u01b0\u1eddng ph\u1ed1 m\u1ed9t chi\u1ebfc xe b\u00e1n t\u1ea3i c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c thu h\u1ed3i n\u1ee3 treo b\u0103ng r\u00f4n kh\u1ea9u hi\u1ec7u tr\u1ed1ng giong c\u1edd m\u1edf nh\u01b0 v\u1eeba \u0111i \u0111\u00e1nh tr\u1eadn v\u1ec1.<\/p>\n<p>C\u00e1c \u1ee9ng d\u1ee5ng l\u00e9n truy c\u1eadp s\u00e2u v\u00e0o l\u1ecbch s\u1eed cu\u1ed9c g\u1ecdi c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p>V\u00e0 theo nh\u01b0 TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu gi\u1ea3i th\u00edch: \u201d \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111i vay, h\u1ecd c\u00f3 th\u1ec3 vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao. N\u1ebfu nh\u1eefng ng\u01b0\u1eddi n\u00e0y kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 h\u1ecd c\u00f3 th\u1ec3 b\u1ecb ng\u01b0\u1eddi cho vay d\u00f9ng nh\u1eefng bi\u1ec7n ph\u00e1p qua c\u00f4ng ty m\u00f4i gi\u1edbi \u0111\u1ec3 thu h\u1ed3i n\u1ee3 m\u1ed9t c\u00e1ch kh\u00f4ng ch\u00ednh th\u1ed1ng, mang t\u00ednh \u00e9p bu\u1ed9c hay \u0111e do\u1ea1\u2026\u201d<\/p>\n<p>\u0110\u01a1n c\u1eed nh\u01b0 c\u00f4ng ty i\u0110\u1ed3ng, tr\u01b0\u1edbc ng\u00e0y h\u1ea1n tr\u1ea3 n\u1ee3 nh\u00e2n vi\u00ean c\u1ee7a h\u1ecd \u0111\u00e3 g\u1ecdi \u0111i\u1ec7n nh\u1eafc ng\u01b0\u1eddi vay v\u1ec1 kho\u1ea3n n\u1ee3 ph\u1ea3i tr\u1ea3, n\u1ebfu ng\u01b0\u1eddi vay ch\u01b0a tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 \u0111\u00fang h\u1ea1n, ho\u1eb7c g\u1ecdi nhi\u1ec1u r\u00e1t tai m\u00e0 kh\u00f4ng nghe m\u00e1y h\u1ecd s\u1ebd nh\u1eafn tin theo ki\u1ec3u ng\u1ea7m \u0111e d\u1ecda: \u2026.\u201d mong anh (ch\u1ecb ) hi\u1ec3u \u0111i \u0111\u00f3ng ti\u1ec1n gi\u00fap em \u0111\u1ec3 em kh\u1ecfi ph\u1ea3i chuy\u1ec3n l\u1eddi \u0111\u1ebfn ng\u01b0\u1eddi th\u00e2n\u2026\u201d Ho\u1eb7c c\u00f3 nh\u1eefng n\u1ed9i dung tin nh\u1eafn x\u00fac ph\u1ea1m \u0111\u1ebfn ng\u01b0\u1eddi vay coi h\u00e0nh vi ch\u01b0a tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n l\u00e0 \u201d \u2026h\u00e8n h\u1ea1\u2026\u201d Nh\u1eafn tin (sms; Zalo) nh\u01b0 th\u1ebf v\u1eabn \u0111\u01b0\u1ee3c t\u00f4i \u0111\u00e1nh gi\u00e1 cao l\u00e0 l\u1ecbch thi\u1ec7p b\u1edfi m\u1ed9t s\u1ed1 b\u00ean th\u1ee9 3 (thu h\u1ed3i n\u1ee3) nh\u01b0 Olava; Ucash&#8230; n\u00f3i c\u00e2u tr\u01b0\u1edbc ch\u1eedi th\u1ec1 c\u00e2u sau, \u0111e d\u1ecda ch\u1eb7t ch\u00e2n ch\u1eb7t tay n\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u00fang h\u1ea1n.<\/p>\n<p>R\u00f5 r\u00e0ng \u0111\u00e1nh gi\u00e1 v\u00e0 nh\u00ecn nh\u1eadn l\u1ea1i P2P \u1edf Vi\u1ec7t Nam trong l\u00e1t c\u1eaft n\u00e0y v\u00f4 h\u00ecnh trung n\u00f3 \u0111\u00e3 bi\u1ebfn t\u01b0\u1edbng m\u1ed9t c\u00e1ch d\u1ecb d\u1ea1ng khi \u1ee9ng x\u1eed x\u00e3 h\u1ed9i \u0111en pha tr\u1ed9n v\u00e0o c\u00f4ng ngh\u1ec7 s\u1ed1. Nghi\u00eam tr\u1ecdng h\u01a1n m\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng n\u00e0y c\u00f2n truy c\u1eadp s\u00e2u v\u00e0o d\u1eef li\u1ec7u c\u00e1 nh\u00e2n kh\u00e1ch h\u00e0ng, chi\u1ebfm quy\u1ec1n ki\u1ec3m so\u00e1t to\u00e0n b\u1ed9 danh b\u1ea1, tin nh\u1eafn, l\u1ecbch s\u1eed cu\u1ed9c g\u1ecdi, b\u1edfi th\u1ebf h\u1ecd c\u00f3 th\u1ec3 g\u1ecdi \u0111i\u1ec7n cho b\u1ea5t k\u1ef3 ai n\u1ebfu kho\u1ea3n thanh to\u00e1n c\u1ee7a b\u1ea1n ch\u1eadm tr\u1ec5, cho d\u00f9 ng\u01b0\u1eddi \u0111\u00f3 l\u00e0 cha m\u1eb9 b\u1ea1n, \u0111\u1ed3ng nghi\u1ec7p c\u1ee7a b\u1ea1n, b\u1ea1n b\u00e8 c\u1ee7a b\u1ea1n.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3 \u1ee9ng d\u1ee5ng c\u00f2n l\u00e9n truy c\u1eadp s\u00e2u v\u00e0o t\u00e0i kho\u1ea3n Portal \u0111\u1ec3 tra c\u1ee9u l\u1ecbch s\u1eed cu\u1ed9c g\u1ecdi t\u1eeb s\u1ed1 \u0111i\u1ec7n tho\u1ea1i m\u00e0 b\u1ea1n \u0111\u0103ng k\u00fd. T\u1ea5t nhi\u00ean khi \u0111\u1ec1 c\u1eadp t\u1edbi t\u00ecnh ti\u1ebft n\u00e0y th\u00ec t\u00f4i \u0111\u00e3 c\u00f3 \u0111\u1ea7y \u0111\u1ee7 b\u1eb1ng ch\u1ee9ng x\u00e1c th\u1ef1c.<\/p>\n<p>Ch\u01b0a k\u1ec3 cam k\u1ebft b\u1ea3o m\u1eadt th\u00f4ng tin cho kh\u00e1ch h\u00e0ng ch\u1ec9 l\u00e0 m\u1ed9t s\u1ef1 h\u1ee9a h\u00e3o b\u1edfi ch\u00ednh t\u00f4i c\u0169ng c\u00f3 th\u1ec3 thu th\u1eadp \u0111\u01b0\u1ee3c c\u00e1c th\u00f4ng tin kh\u00e1ch h\u00e0ng c\u1ee7a m\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng n\u00e0y, \u0111\u1ed3ng th\u1eddi c\u0169ng hi\u1ec3u v\u00ec sao m\u00e0 m\u1ed9t v\u00e0i \u1ee9ng d\u1ee5ng b\u1ed7ng bi\u1ebfn m\u1ea5t tr\u00ean\u00a0app store\u00a0v\u00e0 \u0111\u01a1n v\u1ecb s\u1edf h\u1eefu ph\u1ea3i t\u00e1 h\u1ecfa gi\u1ea3i th\u00edch l\u00e0 \u0111ang n\u00e2ng c\u1ea5p l\u00ean b\u1ea3n m\u1edbi sau \u0111\u00f3 g\u1eedi cho ng\u01b0\u1eddi d\u00f9ng b\u1ea3n c\u00e0i \u0111\u1eb7t d\u1ea1ng apk. (Do b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p t\u1eeb c\u1ed9ng \u0111\u1ed3ng s\u1eed d\u1ee5ng)<\/p>\n<p>\u0110i\u1ec1u \u0111\u00f3 l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c cho ra \u0111\u1eddi nh\u1eefng \u1ee9ng d\u1ee5ng v\u1ed9i v\u00e3 v\u00e0 thi\u1ebfu chuy\u00ean nghi\u1ec7p, m\u1eb7t kh\u00e1c l\u00e0 do nhi\u1ec1u ph\u1ea3n h\u1ed3i x\u1ea5u c\u1ee7a c\u1ed9ng \u0111\u1ed3ng khi \u0111\u1ec3 l\u1ea1i \u0111\u00e1nh gi\u00e1 v\u00e0 nh\u1eadn x\u00e9t tr\u00ean kho \u1ee9ng d\u1ee5ng. T\u1ea1i i\u0110\u1ed3ng kho\u1ea3n vay l\u1ea7n \u0111\u1ea7u c\u1ee7a b\u1ea1n t\u1ed1i \u0111a ch\u1ec9 c\u00f3 th\u1ec3 2 tri\u1ec7u trong v\u00f2ng 14 ng\u00e0y, nh\u01b0ng th\u1ef1c ch\u1ea5t b\u1ea1n ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c 1.600.000 \u0111\u1ed3ng, 400.000 \u0111\u1ed3ng \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb lu\u00f4n v\u00e0o kho\u1ea3n ph\u00ed v\u00e0 l\u00e3i.<\/p>\n<p>N\u1ebfu b\u1ea1n ch\u1eadm thanh to\u00e1n 1 ng\u00e0y \u0111\u1ed3ng ngh\u0129a b\u1ea1n s\u1ebd b\u1ecb ph\u1ea1t 90000 \u0111\u1ed3ng. Ch\u1ec9 c\u1ea7n t\u1ea3i \u1ee9ng d\u1ee5ng v\u1ec1 \u0111i\u1ec7n tho\u1ea1i, qua v\u00e0i thao t\u00e1c nh\u1eadp th\u00f4ng tin m\u00e0 kh\u00f4ng c\u1ea7n ch\u1ee9ng minh thu nh\u1eadp, ch\u1ec9 m\u1ed9t v\u00e0i ng\u00e0y ho\u1eb7c th\u1eadm ch\u00ed ch\u1ec9 30 ph\u00fat sau l\u00e0 ti\u1ec1n vay \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n v\u1ec1 t\u00e0i kho\u1ea3n. Vi\u1ec7c vay ti\u1ec1n qu\u00e1 d\u1ec5 d\u00e0ng li\u1ec7u c\u00f3 ph\u1ea3i l\u00e0 nh\u1eefng \u201cvi\u00ean \u0111\u1ea1n b\u1ecdc \u0111\u01b0\u1eddng\u201d?<\/p>\n<p>Ch\u01b0a bao gi\u1edd Peer to Peer ( vay ngang h\u00e0ng ) c\u00f9ng nh\u1eefng \u1ee9ng d\u1ee5ng vay ti\u1ec1n tr\u1ef1c tuy\u1ebfn l\u1ea1i ph\u00e1t tri\u1ec3n nh\u01b0 b\u00e3o t\u00e1p t\u1ea1i Vi\u1ec7t Nam th\u1eddi \u0111i\u1ec3m n\u00e0y. Li\u1ec7u Peer to Peer c\u00f3 th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n hay ch\u1ec9 \u0111em l\u1ea1i l\u1ee3i \u00edch cho m\u1ed9t nh\u00f3m ng\u01b0\u1eddi, m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c? V\u00e0 h\u1ec7 l\u1ee5y c\u1ee7a n\u00f3 l\u00e0 g\u00ec?<\/p>\n<p><em>Xin \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn \u00fd ki\u1ebfn c\u1ee7a lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u1ec3 kh\u00e9p l\u1ea1i b\u00e0i vi\u1ebft ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay ti\u1ec1n ho\u1eb7c ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u \u0111\u1ea7u t\u01b0 ph\u1ea3i t\u00ecm hi\u1ec3u k\u1ef9 t\u00ednh ph\u00e1p l\u00fd c\u1ee7a nh\u1eefng \u0111\u01a1n v\u1ecb n\u00e0y. \u201c\u0110\u1ea7u ti\u00ean, \u0111\u00e2y l\u00e0 ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p, sau l\u00e0 r\u1ee7i ro qu\u00e1 l\u1edbn. Ch\u1eb3ng c\u00f3 \u0111\u01a1n v\u1ecb n\u00e0o m\u00e0 kh\u00f4ng bi\u1ebft \u201c\u0111\u1ea7u \u0111u\u00f4i xu\u00f4i ng\u01b0\u1ee3c\u201d nh\u01b0 th\u1ebf n\u00e0o l\u1ea1i cho vay m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng nh\u01b0 v\u1eady.<\/em><\/p>\n<p>Nh\u1eefng c\u00e1i t\u00ean c\u00f4ng ty ma, con d\u1ea5u gi\u1ea3 v\u00e0 c\u00e1c ch\u1ee9c danh l\u1eeba b\u1ecbp. ( th\u1ef1c ch\u1ea5t l\u00e0 c\u00f4ng ty TNHH VIET NAM FAST FINTECH)<\/p>\n<p><em>Ch\u1eafc ch\u1eafn m\u1ed9t \u0111i\u1ec1u l\u00e0 l\u00e3i su\u1ea5t s\u1ebd r\u1ea5t cao v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c \u0111\u00f2i n\u1ee3 c\u0169ng s\u1ebd r\u1ea5t kh\u1ee7ng khi\u1ebfp\u201d \u2013 lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ph\u00e2n t\u00edch. <\/em><\/p>\n<p>Gi\u1eefa bu\u1ed5i tranh t\u1ed1i tranh s\u00e1ng, khi m\u00e0 h\u00e0nh lang ph\u00e1p l\u00fd c\u00f2n nhi\u1ec1u b\u1ea5t c\u1eadp l\u1ea1i c\u00f3 nh\u1eefng k\u1ebb m\u00e0 t\u00f4i t\u1ef1 hi\u1ec3u m\u1ed9t c\u00e1ch ph\u1ed5 th\u00f4ng nh\u1ea5t l\u00e0 \u201c\u0111\u00f2i n\u1ee3 thu\u00ea\u201d n\u00f3i c\u00f2n ng\u1ecdng vi\u1ebft c\u00f2n sai l\u1ed7i ch\u00ednh t\u1ea3 t\u1ef1 nh\u1eadn m\u00ecnh\u00a0 l\u00e0 \u201cph\u00f2ng ph\u00e1p l\u00fd\u201d n\u00e0y, \u201cph\u00f2ng ph\u00e1p l\u00fd\u201d kia rao gi\u1ea3ng b\u00e0i h\u1ecdc \u0111\u1ea1o \u0111\u1ee9c v\u00e0 th\u00e1ch \u0111\u1ed1 ng\u01b0\u1eddi vay m\u00e0 t\u00f4i g\u00e1n b\u1eb1ng danh t\u1eeb b\u00ecnh d\u00e2n nh\u1ea5t l\u00e0 \u201ccon n\u1ee3\u201d \u0111\u1ea1i lo\u1ea1i r\u1eb1ng: \u201ct\u1ee5i n\u00e0y ch\u01b0a bao gi\u1edd bi\u1ebft h\u00f9 d\u1ecda ai bao gi\u1edd nh\u00e9\u2026\u201d Th\u1ebf n\u00ean chuy\u1ec7n ch\u1eb7t ch\u00e2n ch\u1eb7t tay kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 l\u00e0 s\u1ef1 th\u1eadt v\u1ec1 m\u1ed9t Peer to Peer v\u00e0 nh\u1eefng h\u1ec7 l\u1ee5y \u1edf Vi\u1ec7t Nam<\/p>\n<p><a href=\"https:\/\/www.ohay.tv\/profile\/hohuy\">Huy Ph\u01b0\u1edbc<\/a><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><strong><em>Ohay.TV (T\u1ed5ng h\u1ee3p) 24-3-2019:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/www.ohay.tv\/view\/peer-to-peer-va-nhung-he-luy-o-viet-nam\/5c9722a079\"><em>https:\/\/www.ohay.tv\/view\/peer-to-peer-va-nhung-he-luy-o-viet-nam\/5c9722a079<\/em><\/a><\/p>\n<p><em>(109\/1.714)<\/em>","protected":false},"excerpt":{"rendered":"<p>(OH) &#8211; Ch\u01b0a bao gi\u1edd Peer to Peer ( vay ngang h\u00e0ng ) c\u00f9ng nh\u1eefng \u1ee9ng d\u1ee5ng vay ti\u1ec1n tr\u1ef1c tuy\u1ebfn l\u1ea1i ph\u00e1t tri\u1ec3n nh\u01b0 b\u00e3o t\u00e1p t\u1ea1i Vi\u1ec7t Nam th\u1eddi \u0111i\u1ec3m n\u00e0y. Li\u1ec7u Peer to Peer c\u00f3 th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n hay ch\u1ec9 \u0111em l\u1ea1i l\u1ee3i \u00edch cho m\u1ed9t nh\u00f3m ng\u01b0\u1eddi, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":32503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-32502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.214. Peer to Peer v\u00e0 nh\u1eefng h\u1ec7 l\u1ee5y \u1edf Vi\u1ec7t Nam\u00a0 - 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\/2-214-peer-to-peer-va-nhung-he-luy-o-viet-nam\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.214. Peer to Peer v\u00e0 nh\u1eefng h\u1ec7 l\u1ee5y \u1edf Vi\u1ec7t Nam\u00a0[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(OH) &#8211; Ch\u01b0a bao gi\u1edd Peer to Peer ( vay ngang h\u00e0ng ) c\u00f9ng nh\u1eefng \u1ee9ng d\u1ee5ng vay ti\u1ec1n tr\u1ef1c tuy\u1ebfn l\u1ea1i ph\u00e1t tri\u1ec3n nh\u01b0 b\u00e3o t\u00e1p t\u1ea1i Vi\u1ec7t Nam th\u1eddi \u0111i\u1ec3m n\u00e0y. Li\u1ec7u Peer to Peer c\u00f3 th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n hay ch\u1ec9 \u0111em l\u1ea1i l\u1ee3i \u00edch cho m\u1ed9t nh\u00f3m ng\u01b0\u1eddi, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/2-214-peer-to-peer-va-nhung-he-luy-o-viet-nam\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-24T02:27:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-08T02:29:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/4-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"612\" \/>\n\t<meta property=\"og:image:height\" content=\"406\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-214-peer-to-peer-va-nhung-he-luy-o-viet-nam\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-214-peer-to-peer-va-nhung-he-luy-o-viet-nam\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"2.214. 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