{"id":33180,"date":"2019-06-13T09:07:45","date_gmt":"2019-06-13T02:07:45","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=33180"},"modified":"2022-07-19T09:10:09","modified_gmt":"2022-07-19T02:10:09","slug":"2-288-siet-cho-vay-tien-mat-cong-ty-tai-chinh-gap-kho","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-288-siet-cho-vay-tien-mat-cong-ty-tai-chinh-gap-kho\/","title":{"rendered":"2.288. Si\u1ebft cho vay ti\u1ec1n m\u1eb7t, c\u00f4ng ty t\u00e0i ch\u00ednh g\u1eb7p kh\u00f3!"},"content":{"rendered":"<strong>(\u0110TCK) &#8211;\u00a0Vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc d\u1ef1 ki\u1ebfn si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng cho vay ti\u1ec1n m\u1eb7t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m l\u1edbn c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn t\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c CTTC.<\/strong><\/p>\n<p><strong>C\u00e1i l\u00fd c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd<\/strong><\/p>\n<p>Hi\u1ec7n nay, nhu c\u1ea7u vay ti\u1ec1n r\u1ea5t l\u1edbn t\u1eeb nh\u1eefng ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p, thu nh\u1eadp kh\u00f4ng \u1ed5n \u0111\u1ecbnh, nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng gi\u00fap d\u01b0 n\u1ee3 c\u1ee7a h\u00ecnh th\u1ee9c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp c\u00f3 m\u1ee9c t\u0103ng tr\u01b0\u1edfng nhanh. Kh\u00e1ch h\u00e0ng c\u1ea7n vay ti\u00eau d\u00f9ng b\u1eb1ng ti\u1ec1n m\u1eb7t s\u1eed d\u1ee5ng cho c\u00e1c m\u1ee5c \u0111\u00edch c\u1ea5p b\u00e1ch, ho\u1eb7c mang t\u00ednh th\u1eddi v\u1ee5 l\u00e0 c\u00e1c c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh.<\/p>\n<p>H\u1ecd l\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 vay t\u1ea1i ng\u00e2n h\u00e0ng, ho\u1eb7c c\u0169ng ch\u01b0a bao gi\u1edd vay c\u00e1c ng\u00e2n h\u00e0ng, nh\u01b0ng lu\u00f4n c\u1ea7n c\u00f3 ti\u1ec1n m\u1eb7t \u0111\u1ec3 s\u1eed d\u1ee5ng t\u1ee9c th\u00ec. \u0110\u00e2y ch\u00ednh l\u00e0 ph\u00e2n kh\u00fac t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c CTTC nh\u1eafm \u0111\u1ebfn \u0111\u1ec3 gi\u1ea3i ng\u00e2n.<\/p>\n<p>Tuy nhi\u00ean, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang x\u00e2y d\u1ef1ng d\u1ef1 th\u1ea3o theo h\u01b0\u1edbng si\u1ebft ho\u1ea1t \u0111\u1ed9ng cho vay ti\u1ec1n m\u1eb7t c\u1ee7a c\u00e1c CTTC.<\/p>\n<p>Theo \u0111\u00f3, D\u1ef1 th\u1ea3o chia ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng th\u00e0nh hai lo\u1ea1i, cho vay gi\u1ea3i ng\u00e2n gi\u00e1n ti\u1ebfp (qua b\u00ean b\u00e1n h\u00e0ng) v\u00e0 cho vay gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho ng\u01b0\u1eddi vay. Theo D\u1ef1 th\u1ea3o, CTTC ch\u1ec9 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng vay c\u00f3 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ed1t, kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u theo k\u1ebft qu\u1ea3 ph\u00e2n lo\u1ea1i n\u1ee3 c\u1ee7a Trung t\u00e2m th\u00f4ng tin t\u00edn d\u1ee5ng Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (CIC) khi k\u00fd h\u1ee3p \u0111\u1ed3ng v\u00e0 t\u1ef7 tr\u1ecdng cho vay ti\u1ec1n m\u1eb7t kh\u00f4ng qu\u00e1 30% t\u1ed5ng d\u01b0 n\u1ee3 cho vay c\u1ee7a c\u00e1c CTTC.<\/p>\n<p>Theo gi\u1ea3i th\u00edch c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, c\u0103n c\u1ee9 th\u1ef1c tr\u1ea1ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC t\u1ea1i Vi\u1ec7t Nam cho vay gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay c\u00f3 r\u1ee7i ro cao, kh\u00f3 ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay. V\u00ec v\u1eady, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng, l\u00e0nh m\u1ea1nh, hi\u1ec7u qu\u1ea3, cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay n\u00ean h\u01b0\u1edbng \u0111\u1ebfn kh\u00e1ch h\u00e0ng \u0111\u00e3 vay t\u1ea1i CTTC v\u00e0 c\u00f3 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ed1t, c\u0169ng nh\u01b0 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n cho vay \u1edf m\u1ee9c 30%.<\/p>\n<p>N\u1ebfu quy \u0111\u1ecbnh nh\u01b0 D\u1ef1 th\u1ea3o \u0111\u01b0\u1ee3c ban h\u00e0nh, con \u0111\u01b0\u1eddng ph\u00e1t tri\u1ec3n cho vay ti\u1ec1n m\u1eb7t ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC &#8211; v\u1ed1n \u0111\u01b0\u1ee3c xem l\u00e0 b\u00e9o b\u1edf nh\u1ea5t s\u1ebd b\u1ecb ch\u1eb7n b\u1edbt, nh\u1ea5t l\u00e0 v\u1edbi c\u00e1c CTTC v\u1eeba tham gia th\u1ecb tr\u01b0\u1eddng nh\u01b0 Viet Credit, Easy Credit, SHB Finance&#8230; nh\u1eafm \u0111\u1ebfn m\u1ea3ng cho vay ti\u1ec1n m\u1eb7t \u0111\u1ec3 s\u1edbm chi\u1ebfm l\u0129nh \u0111\u01b0\u1ee3c th\u1ecb ph\u1ea7n.<\/p>\n<p>Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a CTCK TP.HCM (HSC), si\u1ebft cho vay ti\u1ec1n m\u1eb7t s\u1ebd \u0111\u1ed3ng ngh\u0129a c\u00e1c CTTC kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay ti\u1ec1n m\u1eb7t v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 th\u00f4ng tin t\u00edn d\u1ee5ng, \u0111i\u1ec1u n\u00e0y s\u1ebd khi\u1ebfn doanh thu c\u1ee7a c\u00e1c CTTC c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng l\u1edbn.<\/p>\n<p>HSC cho r\u1eb1ng, nh\u1eefng CTTC l\u1edbn tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u1ec1u \u0111ang c\u00f3 t\u1ef7 tr\u1ecdng cho vay ti\u1ec1n m\u1eb7t cao h\u01a1n t\u1ef7 l\u1ec7 m\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc gi\u1edbi h\u1ea1n trong D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 m\u1edbi. T\u1ef7 l\u1ec7 cho vay ti\u1ec1n m\u1eb7t cao nh\u1ea5t, theo t\u00ednh to\u00e1n c\u1ee7a HSC thu\u1ed9c v\u1ec1 FE Credit v\u1edbi kho\u1ea3ng 80%. Hai c\u00f4ng ty gi\u1eef th\u1ecb ph\u1ea7n \u0111\u1ee9ng sau l\u00e0 HD Saison v\u00e0 Home Credit c\u00f3 t\u1ef7 l\u1ec7 l\u1ea7n l\u01b0\u1ee3t kho\u1ea3ng 40% v\u00e0 50%.<\/p>\n<p>Ngo\u00e0i ra, c\u00e1c CTTC n\u00e0y c\u0169ng th\u01b0\u1eddng c\u00f3 m\u1ed9t t\u1ef7 l\u1ec7 kh\u00e1ch h\u00e0ng vay ti\u1ec1n m\u1eb7t l\u00e0 ng\u01b0\u1eddi m\u1edbi vay l\u1ea7n \u0111\u1ea7u, \u0111i\u1ec1u m\u00e0 d\u1ef1 th\u1ea3o \u0111\u1ec1 xu\u1ea5t c\u1ea5m.<\/p>\n<p>HSC nh\u1eadn \u0111\u1ecbnh, m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m nay cho nh\u00f3m CTTC c\u00f3 th\u1ec3 ch\u1ec9 kho\u1ea3ng 12%, v\u1edbi FE Credit kho\u1ea3ng 10% c\u00f2n HD Saison, Home Credit kho\u1ea3ng 15%.<\/p>\n<p>S\u1ef1 gi\u1ea3m t\u1ed1c trong ho\u1ea1t \u0111\u1ed9ng kinh doanh, th\u1ef1c t\u1ebf, c\u0169ng b\u1ed9c l\u1ed9 t\u1eeb n\u0103m 2018 v\u1edbi nh\u1eefng doanh nghi\u1ec7p d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng. N\u0103m 2018, h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u01a1 quan \u0111i\u1ec1u h\u00e0nh d\u00e0nh cho 3 CTTC l\u1edbn nh\u1ea5t n\u00f3i tr\u00ean kho\u1ea3ng 26%. Tuy nhi\u00ean, \u0111\u1ebfn cu\u1ed1i n\u0103m 2018, t\u0103ng tr\u01b0\u1edfng th\u1ef1c t\u1ebf ch\u01b0a t\u1edbi 17%. C\u1ee5 th\u1ec3, FE Credit t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ea3 n\u0103m kho\u1ea3ng 18,9% so v\u1edbi h\u1ea1n m\u1ee9c \u0111\u01b0\u1ee3c c\u1ea5p kho\u1ea3ng 20%, trong khi HD Saison, Home Credit ch\u1ec9 t\u0103ng t\u00edn d\u1ee5ng ch\u01b0a t\u1edbi 13% so v\u1edbi h\u1ea1n m\u1ee9c kho\u1ea3ng 35% \u0111\u01b0\u1ee3c c\u1ea5p.<\/p>\n<p>Cho vay ti\u1ec1n m\u1eb7t c\u1ee7a FE Credit v\u1eabn t\u0103ng m\u1ea1nh trong qu\u00fd I\/2019, ghi nh\u1eadn t\u1ed5ng s\u1ed1 h\u1ee3p \u0111\u1ed3ng vay v\u00e0 gi\u1ea3i ng\u00e2n t\u0103ng \u0111\u1ebfn 20% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i. K\u1ebft qu\u1ea3 n\u00e0y \u0111\u01b0\u1ee3c \u0111\u00f3ng g\u00f3p b\u1edfi 55% t\u0103ng tr\u01b0\u1edfng tr\u00ean s\u1ed1 h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n m\u1eb7t theo h\u00ecnh th\u1ee9c b\u00e1n ch\u00e9o v\u00e0 b\u00e1n th\u00eam cho kh\u00e1ch h\u00e0ng hi\u1ec7n t\u1ea1i.<\/p>\n<p>Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c CTTC \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 tr\u1edf th\u00e0nh \u201cc\u00e1nh tay n\u1ed1i d\u00e0i\u201d cho c\u00e1c ng\u00e2n h\u00e0ng khi ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c nh\u1eefng kh\u00e1ch h\u00e0ng ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n ch\u00ednh th\u1ee9c v\u00e0 \u1edf nhi\u1ec1u v\u00f9ng s\u00e2u, v\u00f9ng xa. V\u00ec v\u1eady, D\u1ef1 th\u1ea3o tr\u00ean \u0111\u01b0\u1ee3c cho l\u00e0 s\u1ebd gi\u1edbi h\u1ea1n s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c CTCT, trong khi ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u00e0 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u201c\u0111en\u201d.<\/p>\n<p><strong>\u00dd ki\u1ebfn tr\u00e1i chi\u1ec1u<\/strong><\/p>\n<p>C\u00e1c CTTC cho r\u1eb1ng, \u0111i\u1ec1u ng\u01b0\u1eddi d\u00e2n c\u1ea7n nh\u1ea5t l\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc n\u00ean xem x\u00e9t l\u00e0m sao ch\u1ed1t khung l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC ph\u00f9 h\u1ee3p, tr\u00e1nh m\u1ee9c l\u00e3i su\u1ea5t cho vay qu\u00e1 cao \u0111\u1ec3 g\u1ea7n nh\u01b0 t\u00edn d\u1ee5ng \u201c\u0111en\u201d, ch\u1ee9 kh\u00f4ng n\u00ean si\u1ebft cho vay ti\u1ec1n m\u1eb7t.<\/p>\n<p>Theo c\u00e1c CTTC, vi\u1ec7c si\u1ebft cho vay ti\u1ec1n m\u1eb7t c\u1ee7a CTTC l\u00e0 h\u1ea1n ch\u1ebf ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh vi m\u00f4. Ngo\u00e0i vay mua h\u00e0ng h\u00f3a tr\u1ea3 g\u00f3p nh\u01b0 mua xe m\u00e1y, mua \u0111i\u1ec7n tho\u1ea1i&#8230;, kh\u00e1ch h\u00e0ng c\u1ea7n vay ti\u00eau d\u00f9ng l\u00e0 c\u00e1c c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh nh\u1ecf l\u1ebb v\u1edbi kho\u1ea3n vay ph\u1ed5 bi\u1ebfn 5 &#8211; 10 tri\u1ec7u \u0111\u1ed3ng ho\u1eb7c 20 tri\u1ec7u \u0111\u1ed3ng. Kho\u1ea3n vay \u0111\u00f3 c\u00f3 th\u1ec3 \u0111\u1ec3 l\u00e0m v\u1ed1n l\u01b0u \u0111\u1ed9ng trong bu\u00f4n b\u00e1n hay s\u1ea3n xu\u1ea5t nh\u1ecf, mang t\u00ednh th\u1eddi v\u1ee5, nh\u01b0ng h\u1ecd kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng. V\u00ec v\u1eady, c\u00e1c kh\u00e1ch h\u00e0ng n\u00e0y c\u0169ng c\u00f3 nhu c\u1ea7u vay ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp.<\/p>\n<p>Ngo\u00e0i ra, vi\u1ec7c y\u00eau c\u1ea7u ch\u1ec9 cho vay ti\u1ec1n m\u1eb7t v\u1edbi kh\u00e1ch h\u00e0ng c\u0169, c\u0169ng g\u00e2y kh\u00f3 kh\u0103n cho ng\u01b0\u1eddi vay. B\u1edfi ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay t\u00edn d\u1ee5ng \u0111en th\u01b0\u1eddng ch\u01b0a bao gi\u1edd \u0111i vay t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng hay CTTC tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n<p>Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, <em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>, D\u1ef1 th\u1ea3o n\u00e0y \u0111\u00e3 c\u00f3 nh\u1eefng \u0111i\u1ec3m kh\u00e1 t\u00edch c\u1ef1c, nh\u1eb1m l\u00e0nh m\u1ea1nh h\u00f3a th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng, nh\u01b0 quy \u0111\u1ecbnh r\u00f5 c\u00e1c h\u00ecnh th\u1ee9c gi\u1ea3i ng\u00e2n cho vay ti\u00eau d\u00f9ng; quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u00f4n \u0111\u1ed1c, thu h\u1ed3i n\u1ee3 nh\u1eb1m h\u1ea1n ch\u1ebf m\u1ed9t s\u1ed1 h\u00e0nh \u0111\u1ed9ng \u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p l\u00fd&#8230;<\/p>\n<p>Tuy nhi\u00ean, theo \u00f4ng \u0110\u1ee9c, quy \u0111\u1ecbnh si\u1ebft ch\u1eb7t vi\u1ec7c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng m\u1ea1nh \u0111\u1ebfn CTTC v\u00e0 h\u1ea1n ch\u1ebf quy\u1ec1n l\u1ef1a ch\u1ecdn c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p>\u201cCh\u00fang ta kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn th\u1ef1c t\u1ebf th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay l\u00e0 \u0111\u1ea1i b\u1ed9 ph\u1eadn ng\u01b0\u1eddi d\u00e2n v\u1eabn quen ti\u00eau d\u00f9ng b\u1eb1ng ti\u1ec1n m\u1eb7t v\u00e0 nhi\u1ec1u kho\u1ea3n ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 ch\u1ee9ng t\u1eeb, h\u00f3a \u0111\u01a1n, c\u00e1c kho\u1ea3n chi ti\u00eau nh\u1ecf nh\u01b0 \u0103n u\u1ed1ng, du l\u1ecbch, mua qu\u1ea7n \u00e1o t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng nh\u1ecf\u2026 V\u00ec th\u1ebf, vi\u1ec7c th\u1eaft ch\u1eb7t gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng c\u0169ng s\u1ebd h\u1ea1n ch\u1ebf quy\u1ec1n l\u1ef1a ch\u1ecdn ti\u00eau d\u00f9ng c\u1ee7a nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u00e0 c\u1ea3n tr\u1edf s\u1ef1 ti\u1ebfp c\u1eadn v\u1ed1n vay c\u1ee7a kh\u00e1ch h\u00e0ng t\u1eeb c\u00e1c CTTC. T\u1eeb \u0111\u00f3, kh\u00e1ch h\u00e0ng s\u1ebd quay l\u01b0ng l\u1ea1i v\u1edbi t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, t\u00ecm \u0111\u1ebfn nh\u1eefng n\u01a1i cho vay kh\u00f4ng ch\u00ednh th\u1ed1ng. \u0110i\u1ec1u n\u00e0y v\u00f4 h\u00ecnh trung s\u1ebd t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho t\u00edn d\u1ee5ng \u0111en ph\u00e1t tri\u1ec3n\u201d, \u00f4ng \u0110\u1ee9c cho bi\u1ebft.<\/p>\n<p>V\u1edbi quy \u0111\u1ecbnh 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 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a CTTC, \u00f4ng \u0110\u1ee9c cho r\u1eb1ng, \u0111\u1ed1i v\u1edbi c\u00e1c CTTC c\u00f3 s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u00f2n \u00edt, d\u01b0 n\u1ee3 c\u00f2n r\u1ea5t nh\u1ecf, c\u00e1c c\u00f4ng ty m\u1edbi ho\u1ea1t \u0111\u1ed9ng, th\u00ec s\u1ef1 kh\u1ed1ng ch\u1ebf n\u00e0y g\u1ea7n nh\u01b0 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng.<\/p>\n<p>\u00d4ng \u0110\u1ee9c ki\u1ebfn ngh\u1ecb, c\u01a1 quan ch\u1ee9c n\u0103ng n\u00ean xem x\u00e9t v\u00e0 tham kh\u1ea3o kinh nghi\u1ec7m tr\u00ean th\u1ebf gi\u1edbi qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay ti\u1ec1n m\u1eb7t th\u00f4ng qua y\u00eau c\u1ea7u v\u1ec1 qu\u1ea3n l\u00fd r\u1ee7i ro, minh b\u1ea1ch th\u00f4ng tin v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng, thay v\u00ec \u0111\u01b0a ra m\u1ed9t \u0111i\u1ec1u ki\u1ec7n gi\u1ea3i ng\u00e2n c\u1ee5 th\u1ec3 b\u1eb1ng ti\u1ec1n m\u1eb7t. \u0110\u1eb7c bi\u1ec7t, c\u1ea7n l\u01b0u \u00fd \u0111\u1ebfn vi\u1ec7c t\u1ea1o \u0111i\u1ec1u ki\u1ec7n ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, khuy\u1ebfn kh\u00edch c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0, nh\u1ea5t l\u00e0 n\u01b0\u1edbc ngo\u00e0i \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c CTTC.<\/p>\n<p>Trong khi \u0111\u00f3, PGS.TS. Nguy\u1ec5n Th\u1ecb M\u00f9i, chuy\u00ean gia t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng \u0111\u01b0a ra nh\u1eadn \u0111\u1ecbnh, vi\u1ec7c cho vay tr\u1ef1c ti\u1ebfp b\u1eb1ng ti\u1ec1n m\u1eb7t \u0111\u1ebfn kh\u00e1ch h\u00e0ng lu\u00f4n ti\u1ec1m \u1ea9n r\u1ee7i ro cao do c\u00e1c t\u1ed5 ch\u1ee9c cho vay v\u00e0 r\u1ea5t kh\u00f3 ki\u1ec3m so\u00e1t vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 \u0111\u00fang m\u1ee5c \u0111\u00edch vay v\u1ed1n kh\u00f4ng. Trong th\u1eddi gian qua, c\u00e1c CTTC t\u1eebng b\u01b0\u1edbc m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n t\u1ea1i ph\u00e2n kh\u00fac cho vay ti\u00eau d\u00f9ng, coi \u0111\u00e2y nh\u01b0 l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1ec3 c\u1ea1nh tranh. V\u00ec th\u1ebf, vi\u1ec7c gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf c\u00e1c m\u00f3n vay nh\u1ecf, l\u1ebb, m\u00e0 m\u1ed9t s\u1ed1 c\u00f4ng ty c\u00f2n cho vay b\u1eb1ng ti\u1ec1n m\u1eb7t \u0111\u1ebfn h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng. Do \u0111\u00f3, \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, hi\u1ec7u qu\u1ea3 v\u00e0 b\u1ec1n v\u1eefng h\u01a1n, vi\u1ec7c quy \u0111\u1ecbnh m\u1ed9t t\u1ef7 l\u1ec7 gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t trong t\u1ed5ng d\u01b0 n\u1ee3 l\u00e0 c\u1ea7n thi\u1ebft, \u0111i \u0111\u00f4i v\u1edbi t\u0103ng c\u01b0\u1eddng gi\u00e1m s\u00e1t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 ki\u1ec3m tra, ki\u1ec3m so\u00e1t c\u1ee7a ch\u00ednh c\u00e1c t\u1ed5 ch\u1ee9c cho vay, nh\u1eb1m h\u1ea1n ch\u1ebf n\u1ee3 x\u1ea5u t\u1eeb ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/p>\n<p>Theo b\u00e0 M\u00f9i, \u0111\u1ebfn nay, ch\u01b0a c\u00f3 con s\u1ed1 th\u1ed1ng k\u00ea n\u1ee3 x\u1ea5u c\u1ee7a ri\u00eang ho\u1ea1t \u0111\u1ed9ng cho vay b\u1eb1ng ti\u1ec1n m\u1eb7t, nh\u01b0ng m\u1ed9t th\u1ef1c t\u1ebf l\u00e0 n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c CTTC \u0111ang gia t\u0103ng, t\u00ecnh tr\u1ea1ng \u0111\u00f2i n\u1ee3 \u201cki\u1ec3u x\u00e3 h\u1ed9i \u0111en\u201d c\u1ee7a m\u1ed9t s\u1ed1 nh\u00e2n vi\u00ean c\u00e1c CTTC th\u1eddi gian qua \u0111\u1ee7 th\u1ea5y c\u1ea5p thi\u1ebft ph\u1ea3i ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u00e0y theo h\u01b0\u1edbng l\u00e0nh m\u1ea1nh, hi\u1ec7u qu\u1ea3, m\u00e0 vi\u1ec7c quy \u0111\u1ecbnh m\u1ed9t t\u1ef7 l\u1ec7 gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t trong t\u1ed5ng d\u01b0 n\u1ee3 l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p c\u1ea7n thi\u1ebft.<\/p>\n<p>B\u01b0\u1edbc \u0111\u1ea7u c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c CTTC c\u00f3 t\u1ef7 l\u1ec7 cho vay b\u1eb1ng ti\u1ec1n m\u1eb7t r\u1ea5t cao, nh\u01b0ng kh\u00f4ng m\u00e2u thu\u1eabn v\u1edbi ch\u1ee7 tr\u01b0\u01a1ng ch\u1ed1ng t\u00edn d\u1ee5ng \u0111en c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, quy \u0111\u1ecbnh n\u00e0y ch\u1ec9 nh\u1eb1m l\u00e0nh m\u1ea1nh h\u00f3a ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC hi\u1ec7n nay.<\/p>\n<p>Theo\u00a0<strong>Ph\u01b0\u01a1ng Minh<\/strong><br \/>\n<em>\u0110\u1eb7c san To\u00e0n c\u1ea3nh Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2019<\/em><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p><strong><em>\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n (T\u01b0 v\u1ea5n t\u00e0i ch\u00ednh) 13-6-2019:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/tinnhanhchungkhoan.vn\/tu-van-tai-chinh\/siet-cho-vay-tien-mat-cong-ty-tai-chinh-gap-kho-269108.html\"><em>https:\/\/tinnhanhchungkhoan.vn\/tu-van-tai-chinh\/siet-cho-vay-tien-mat-cong-ty-tai-chinh-gap-kho-269108.html<\/em><\/a><\/p>\n<p><em>(409\/1.885)<\/em>","protected":false},"excerpt":{"rendered":"<p>(\u0110TCK) &#8211;\u00a0Vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc d\u1ef1 ki\u1ebfn si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng cho vay ti\u1ec1n m\u1eb7t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m l\u1edbn c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn t\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c CTTC. C\u00e1i l\u00fd c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd [&hellip;]<\/p>\n","protected":false},"author":3,"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-33180","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>2.288. Si\u1ebft cho vay ti\u1ec1n m\u1eb7t, c\u00f4ng ty t\u00e0i ch\u00ednh g\u1eb7p kh\u00f3! - 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\/2-288-siet-cho-vay-tien-mat-cong-ty-tai-chinh-gap-kho\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.288. 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