{"id":33116,"date":"2019-04-11T14:04:41","date_gmt":"2019-04-11T07:04:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=33116"},"modified":"2022-07-18T14:07:58","modified_gmt":"2022-07-18T07:07:58","slug":"2-235-siet-giai-ngan-truc-tiep-hay-giam-sat-bang-chuan-quan-tri-rui-ro","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-235-siet-giai-ngan-truc-tiep-hay-giam-sat-bang-chuan-quan-tri-rui-ro\/","title":{"rendered":"2.235. Si\u1ebft gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp hay gi\u00e1m s\u00e1t b\u1eb1ng chu\u1ea9n qu\u1ea3n tr\u1ecb r\u1ee7i ro?"},"content":{"rendered":"<strong>(VTC News) &#8211; D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN, trong \u0111\u00f3 c\u00f3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang g\u00e2y tranh c\u00e3i.<\/strong><\/p>\n<p>Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng, vi\u1ec7c ki\u1ec3m so\u00e1t r\u1ee7i ro c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n b\u1eb1ng c\u00e1c bi\u1ec7n ph\u00e1p kh\u00e1c m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u01b0a ra m\u1ec7nh l\u1ec7nh h\u00e0nh ch\u00ednh h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp\u00a0 c\u1ee7a kh\u1ed1i c\u00f4ng ty n\u00e0y.<\/p>\n<p><strong>V\u00f4 hi\u1ec7u h\u00f3a c\u00f4ng c\u1ee5 ch\u1ed1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d<\/strong><\/p>\n<p>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111ang l\u1ea5y \u00fd ki\u1ebfn d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. Theo \u0111\u00f3, s\u1ebd si\u1ebft ch\u1eb7t h\u01a1n ho\u1ea1t \u0111\u1ed9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh. Th\u1ee9 nh\u1ea5t, c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i \u0111\u1ea3m b\u1ea3o t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay (gi\u1ea3i ng\u00e2n ti\u1ec1n m\u1eb7t ho\u1eb7c th\u00f4ng qua t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng) kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty \u0111\u00f3.<\/p>\n<p>Th\u1ee9 hai, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang vay t\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00f3, \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 c\u00f3 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ed1t v\u00e0 kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u.<\/p>\n<p>Nh\u1eefng quy \u0111\u1ecbnh tr\u00ean c\u1ee7a d\u1ef1 th\u1ea3o \u0111ang g\u00e2y ra lo ng\u1ea1i s\u1ebd g\u00e2y kh\u00f3 kh\u0103n cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, tr\u01b0\u1edbc h\u1ebft l\u00e0 ng\u01b0\u1eddi \u0111i vay. Theo th\u1ed1ng k\u00ea c\u1ee7a nhi\u1ec1u t\u1ed5 ch\u1ee9c qu\u1ed1c t\u1ebf, ch\u1ec9 c\u00f3 kho\u1ea3ng 30% ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng. Trong s\u1ed1 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh tr\u00ean th\u1ecb tr\u01b0\u1eddng, c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 h\u1eefu hi\u1ec7u nh\u1ea5t \u0111\u1ec3 ch\u1ed1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u00ec nh\u1eafm t\u1edbi \u0111\u1ed1i \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ee5c v\u1ee5 l\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng \u201cd\u01b0\u1edbi chu\u1ea9n\u201d.<\/p>\n<p>V\u00ec v\u1eady, vi\u1ec7c c\u1ea5m c\u00e1c c\u00f4ng ty n\u00e0y cho vay kh\u00e1ch h\u00e0ng m\u1edbi v\u00e0 h\u1ea1n ch\u1ebf cho vay ti\u1ec1n m\u1eb7t s\u1ebd l\u00e0m v\u00f4 hi\u1ec7u h\u00f3a ph\u1ea7n n\u00e0o c\u00f4ng c\u1ee5 n\u00e0y trong cu\u1ed9c chi\u1ebfn ch\u1ed1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d. \u0110\u1ed3ng th\u1eddi, ch\u1eb7n c\u1eeda vay v\u1ed1n qua k\u00eanh ch\u00ednh th\u1ed1ng c\u1ee7a r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n<p>Theo b\u1ed9 ph\u1eadn nghi\u00ean c\u1ee9u c\u00f4ng ty ch\u1ee9ng kho\u00e1n HSC, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh hi\u1ec7n n\u00e0y c\u0169ng c\u00f3 m\u1ed9t t\u1ef7 l\u1ec7 \u0111\u00e1ng k\u1ec3 kh\u00e1ch h\u00e0ng vay ti\u1ec1n m\u1eb7t l\u00e0 ng\u01b0\u1eddi m\u1edbi vay l\u1ea7n \u0111\u1ea7u. N\u1ebfu d\u1ef1 th\u1ea3o tr\u00ean c\u00f3 hi\u1ec7u l\u1ef1c, nh\u1eefng ng\u01b0\u1eddi n\u00e0y s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n \u1edf c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. N\u1ebfu kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n qua k\u00eanh ch\u00ednh th\u1ee9c, h\u1ecd s\u1ebd ph\u1ea3i t\u00ecm \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n<p>\u201cN\u1ebfu c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00f4ng ty t\u00e0i ch\u00ednh b\u1ecb kh\u1ed1ng ch\u1ebf 30% gi\u1ea3i ng\u00e2n ti\u1ec1n m\u1eb7t n\u00ean kh\u00f4ng th\u1ec3 gi\u1ea3i ng\u00e2n \u0111\u01b0\u1ee3c th\u00ec c\u00f3 th\u1ec3 h\u1ecd s\u1ebd \u0111\u1ea9y t\u1ec7p kh\u00e1ch h\u00e0ng n\u00e0y v\u00e0o tr\u01b0\u1eddng h\u1ee3p \u0111i vay &#8220;t\u00edn d\u1ee5ng \u0111en&#8221; \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho chi ph\u00ed n\u00f3ng. Ch\u00ednh v\u00ec th\u1ebf, vi\u1ec7c gi\u1edbi h\u1ea1n gi\u1ea3i ng\u00e2n v\u1ec1 ti\u1ec1n m\u1eb7t s\u1ebd kh\u00f4ng h\u1ed7 tr\u1ee3 gi\u1ea3i quy\u1ebft &#8220;t\u00edn d\u1ee5ng \u0111en&#8221; n\u1ebfu ch\u00fang ta c\u00f3 tr\u1ea7n kh\u1ed1ng ch\u1ebf 30%\u201d, chuy\u00ean gia kinh t\u1ebf, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh.<\/p>\n<p><em>\u0110\u1ed3ng t\u00ecnh v\u1edbi \u00fd ki\u1ebfn n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Tr\u1ecdng t\u00e0i vi\u00ean VIAC, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI c\u0169ng cho r\u1eb1ng, c\u00e1c quy \u0111\u1ecbnh tr\u00ean s\u1ebd k\u00ecm h\u00e3m s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0nh m\u1ea1nh v\u00e0 h\u1ee3p ph\u00e1p, trong khi th\u1ecb tr\u01b0\u1eddng \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u1ea1i ch\u01b0a th\u1ec3 ki\u1ec3m so\u00e1t t\u1ed1t v\u00e0 \u0111ang c\u00f3 xu h\u01b0\u1edbng t\u0103ng m\u1ea1nh v\u1edbi nhi\u1ec1u bi\u1ebfn t\u01b0\u1edbng kh\u00e1c nhau.<\/em><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-33117 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/23-2.jpg\" alt=\"\" width=\"430\" height=\"280\" \/><\/p>\n<p><strong>N\u00ean gi\u00e1m s\u00e1t b\u1eb1ng chu\u1ea9n qu\u1ea3n tr\u1ecb r\u1ee7i ro<\/strong><\/p>\n<p>Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, m\u1ee5c ti\u00eau c\u1ee7a d\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 43 r\u1ea5t t\u1ed1t, c\u1ee5 th\u1ec3 l\u00e0 nh\u1eb1m qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3 h\u01a1n th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng, qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a kh\u1ed1i c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. Tuy nhi\u00ean, c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u01b0a ra l\u1ea1i ch\u01b0a \u1ed5n, mang n\u1eb7ng t\u00ednh h\u00e0nh ch\u00ednh, c\u00f3 th\u1ec3 g\u00e2y m\u00e9o m\u00f3 th\u1ecb tr\u01b0\u1eddng.<\/p>\n<p>M\u1eb7c d\u00f9 cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n kh\u00e1 m\u1ea1nh nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, song t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng c\u1ee7a kh\u1ed1i c\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 chi\u1ebfm kho\u1ea3ng h\u01a1n 90.000 t\u1ef7 \u0111\u1ed3ng, r\u1ea5t nh\u1ecf so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 tr\u00ean 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u1ea3 h\u1ec7 th\u1ed1ng. Con s\u1ed1 cho vay ti\u1ec1n m\u1eb7t c\u00f2n nh\u1ecf h\u01a1n. N\u00f3i c\u00e1ch kh\u00e1c, th\u1ecb ph\u1ea7n cho vay ti\u00eau d\u00f9ng c\u1ee7a kh\u1ed1i c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f2n nh\u1ecf b\u00e9, vi\u1ec7c \u0111\u01b0a ra c\u00e1c quy \u0111\u1ecbnh h\u00e0nh ch\u00ednh \u0111\u1ec3 si\u1ebft qu\u00e1 ch\u1eb7t l\u00e0 ch\u01b0a c\u1ea7n thi\u1ebft .<\/p>\n<p>\u201cTh\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam v\u1eabn \u0111ang \u1edf giai \u0111o\u1ea1n m\u1edbi ph\u00e1t tri\u1ec3n n\u00ean vi\u1ec7c \u0111\u1eb7t ra quy \u0111\u1ecbnh qu\u1ea3n l\u00fd, ki\u1ec3m so\u00e1t r\u1ee7i ro, gi\u00fap l\u00e0nh m\u1ea1nh h\u00f3a l\u00e0 c\u1ea7n thi\u1ebft. Tuy nhi\u00ean, vi\u1ec7c ki\u1ec3m so\u00e1t b\u1eb1ng m\u1ec7nh l\u1ec7nh h\u00e0nh ch\u00ednh ch\u1ec9 n\u00ean th\u1ef1c hi\u1ec7n trong ng\u1eafn h\u1ea1n. C\u00f2n v\u1ec1 l\u00e2u d\u00e0i, khi th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n \u1edf m\u1ee9c \u0111\u1ed9 cao h\u01a1n, minh b\u1ea1ch h\u01a1n, s\u1ed1 h\u00f3a th\u00f4ng tin t\u1ed1t h\u01a1n\u2026 th\u00ec n\u00ean trao quy\u1ec1n quy\u1ebft \u0111\u1ecbnh l\u1ea1i cho th\u1ecb tr\u01b0\u1eddng\u201d, TS. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng khuy\u1ebfn c\u00e1o.<\/p>\n<p>H\u1ea7u h\u1ebft \u00fd ki\u1ebfn \u0111\u1ec1u cho r\u1eb1ng, vi\u1ec7c t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft v\u00ec \u0111\u00e2y l\u00e0 l\u0129nh v\u1ef1c cho vay nh\u1ea1y c\u1ea3m, ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro. Tuy nhi\u00ean, thay v\u00ec c\u00e1c gi\u1ea3i ph\u00e1p h\u00e0nh ch\u00ednh, NHNN n\u00ean qu\u1ea3n l\u00fd th\u00f4ng qua c\u00e1c quy chu\u1ea9n qu\u1ea3n tr\u1ecb nh\u01b0: T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u, t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n, tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng\u2026<\/p>\n<p>Th\u1ef1c t\u1ebf, v\u1edbi c\u00e1c c\u00f4ng ty c\u00f3 qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u1ed1t, cho vay ti\u1ec1n m\u1eb7t 70 &#8211; 80% v\u1eabn \u1ed5n, song v\u1edbi c\u00f4ng ty qu\u1ea3n tr\u1ecb k\u00e9m, cho vay 10% c\u0169ng c\u00f3 th\u1ec3 l\u00e0 m\u1ed1i nguy. Con s\u1ed1 n\u00e0y n\u00ean \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p t\u1ef1 quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean kh\u1ea9u v\u1ecb r\u1ee7i ro v\u00e0 m\u1ee9c \u0111\u1ed9 qu\u1ea3n tr\u1ecb r\u1ee7i ro c\u1ee7a c\u00f4ng ty m\u00ecnh.<\/p>\n<p>Ngo\u00e0i ra, theo TS. Nguy\u1ec5n \u0110\u1ee9c Ki\u00ean, Ph\u00f3 Ch\u1ee7 nhi\u1ec7m \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i, kh\u00f4ng n\u00ean \u0111\u00e1nh \u0111\u1ed3ng qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh nh\u01b0 nhau, v\u00ec \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ee5c v\u1ee5 c\u1ee7a hai b\u00ean l\u00e0 r\u1ea5t kh\u00e1c nhau. V\u1ec1 l\u00e2u d\u00e0i, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n, ch\u1ed1ng l\u1ea1i \u201ct\u00edn d\u1ee5ng \u0111en\u201d, c\u1ea7n ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd cho l\u0129nh v\u1ef1c n\u00e0y. \u201cR\u1ea5t c\u1ea7n ban h\u00e0nh m\u1ed9t \u0111\u1ea1o lu\u1eadt ri\u00eang \u2013 ho\u1eb7c \u00edt nh\u1ea5t c\u0169ng ph\u1ea3i ban h\u00e0nh m\u1ed9t Ph\u00e1p l\u1ec7nh &#8211; \u0111\u1ec3 qu\u1ea3n l\u00fd l\u0129nh v\u1ef1c n\u00e0y\u201d, \u00f4ng Ki\u00ean n\u00f3i.<\/p>\n<p>Trong b\u1ed1i c\u1ea3nh \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111ang gia t\u0103ng v\u00e0 ng\u00e0y c\u00e0ng bi\u1ebfn t\u01b0\u1edbng kh\u00f3 l\u01b0\u1eddng, vi\u1ec7c ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, trong \u0111\u00f3 khuy\u1ebfn kh\u00edch s\u1ef1 ra \u0111\u1eddi c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng m\u1edbi nh\u1eb1m gia t\u0103ng kh\u1ea3 n\u0103ng c\u1ea1nh tranh tr\u00ean th\u1ecb tr\u01b0\u1eddng l\u00e0 c\u1ea7n thi\u1ebft. Tuy nhi\u00ean, d\u1ef1 th\u1ea3o tr\u00ean c\u00f3 th\u1ec3 b\u00f3p ngh\u1eb9t c\u00e1c c\u00f4ng ty non tr\u1ebb v\u1eeba h\u00ecnh th\u00e0nh.<\/p>\n<p><em>Ch\u00ednh v\u00ec v\u1eady, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, c\u01a1 quan so\u1ea1n th\u1ea3o Th\u00f4ng t\u01b0 n\u00ean nghi\u00ean c\u1ee9u l\u1ea1i \u0111\u1ec3 \u0111\u1eb7t ra c\u00e1c gi\u1edbi h\u1ea1n ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, c\u1ea7n t\u1eadp trung theo h\u01b0\u1edbng n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng th\u00f4ng qua y\u00eau c\u1ea7u v\u1ec1 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro, thu h\u1ed3i n\u1ee3 thay v\u00ec \u0111\u01b0a ra c\u00e1c m\u1ec7nh l\u1ec7nh h\u00e0nh ch\u00ednh si\u1ebft cho vay ti\u1ec1n m\u1eb7t.<\/em><\/p>\n<p>\u0110\u1ed3ng quan \u0111i\u1ec3m, TS. C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng: \u201cN\u1ebfu c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u01b0a ra m\u1ed9t t\u1ef7 l\u1ec7 kh\u1ed1ng ch\u1ebf ph\u00f9 h\u1ee3p (c\u00f3 l\u1ed9 tr\u00ecnh) th\u00ec ch\u1eafc ch\u1eafn kh\u00f4ng nh\u1eefng th\u00fac \u0111\u1ea9y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh m\u00e0 c\u00f2n kh\u00f4ng h\u1ec1 t\u00e1c \u0111\u1ed9ng t\u1edbi vi\u1ec7c gia t\u0103ng &#8220;t\u00edn d\u1ee5ng \u0111en&#8221;.<\/p>\n<p>\u0110\u1ec3 d\u1ef1 th\u1ea3o th\u1ef1c s\u1ef1 \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng c\u0169ng nh\u01b0 t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng c\u00f4ng b\u1eb1ng, c\u1ea1nh tranh l\u00e0nh m\u1ea1nh; vi\u1ec7c h\u01b0\u1edbng d\u1eabn tri\u1ec3n khai chi ti\u1ebft, th\u00e1o g\u1ee1 v\u01b0\u1edbng m\u1eafc k\u1ecbp th\u1eddi, t\u0103ng c\u01b0\u1eddng ki\u1ec3m tra, gi\u00e1m s\u00e1t, \u0111\u1ea3m b\u1ea3o \u0111\u00fang v\u00e0 tr\u00fang l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft. C\u00f3 nh\u01b0 v\u1eady, Th\u00f4ng t\u01b0 m\u1edbi \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u1ec1 ra; \u0111\u1ed3ng th\u1eddi, g\u00f3p ph\u1ea7n t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, qua \u0111\u00f3 gi\u1ea3m b\u1edbt t\u1ec7 n\u1ea1n t\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n<p><strong>QU\u1ef2NH CHI<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p><strong><em>VTCNews (Doanh nghi\u1ec7p \u2013 Doanh nh\u00e2n) 11-4-2019:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/vtc.vn\/siet-giai-ngan-truc-tiep-hay-giam-sat-bang-chuan-quan-tri-rui-ro-d468706.html\">https:\/\/vtc.vn\/siet-giai-ngan-truc-tiep-hay-giam-sat-bang-chuan-quan-tri-rui-ro-d468706.html<\/a><\/p>\n<p><em>(147\/1.445)<\/em>","protected":false},"excerpt":{"rendered":"<p>(VTC News) &#8211; D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN, trong \u0111\u00f3 c\u00f3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang g\u00e2y tranh c\u00e3i. Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng, vi\u1ec7c ki\u1ec3m so\u00e1t r\u1ee7i ro c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":33117,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-33116","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>2.235. 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Si\u1ebft gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp hay gi\u00e1m s\u00e1t b\u1eb1ng chu\u1ea9n qu\u1ea3n tr\u1ecb r\u1ee7i ro?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(VTC News) &#8211; D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN, trong \u0111\u00f3 c\u00f3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang g\u00e2y tranh c\u00e3i. Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng, vi\u1ec7c ki\u1ec3m so\u00e1t r\u1ee7i ro c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/2-235-siet-giai-ngan-truc-tiep-hay-giam-sat-bang-chuan-quan-tri-rui-ro\/\" \/>\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=\"2019-04-11T07:04:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-18T07:07:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/23-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"430\" \/>\n\t<meta property=\"og:image:height\" content=\"280\" \/>\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=\"11 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-235-siet-giai-ngan-truc-tiep-hay-giam-sat-bang-chuan-quan-tri-rui-ro\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/2-235-siet-giai-ngan-truc-tiep-hay-giam-sat-bang-chuan-quan-tri-rui-ro\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"2.235. 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