{"id":34292,"date":"2022-10-07T15:56:37","date_gmt":"2022-10-07T08:56:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=34292"},"modified":"2025-01-06T10:58:37","modified_gmt":"2025-01-06T03:58:37","slug":"3-257-gui-tiet-kiem-qua-fintech-lai-cao-phap-ly-chua-ro-rang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-258-gui-tiet-kiem-qua-fintech-lai-cao-phap-ly-chua-ro-rang\/","title":{"rendered":"3.258. G\u1eedi ti\u1ebft ki\u1ec7m qua Fintech – l\u00e3i cao, ph\u00e1p l\u00fd ch\u01b0a r\u00f5 r\u00e0ng"},"content":{"rendered":"

G\u1eedi ti\u1ebft ki\u1ec7m qua Fintech – l\u00e3i cao, ph\u00e1p l\u00fd ch\u01b0a r\u00f5 r\u00e0ng<\/span><\/h4>\n
(VNE) – C\u00e1c \u1ee9ng d\u1ee5ng Fintech cung c\u1ea5p “s\u1ea3n ph\u1ea9m t\u00edch l\u0169y” v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n ng\u00e2n h\u00e0ng \u0111ang thu h\u00fat h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi g\u1eedi ti\u1ec1n nh\u01b0ng ph\u00e1p l\u00fd l\u1ea1i ch\u01b0a r\u00f5 r\u00e0ng.<\/h5>\n

Y\u1ebfn Nhi (21 tu\u1ed5i, TP HCM) hay b\u1eaft g\u1eb7p \u0111o\u1ea1n qu\u1ea3ng c\u00e1o v\u1ec1 m\u1ed9t \u1ee9ng d\u1ee5ng “gi\u00fap ng\u01b0\u1eddi d\u00f9ng \u0111\u1ea7u t\u01b0 v\u00e0 t\u00edch l\u0169y t\u1eeb 50.000 \u0111\u1ed3ng”. Ban \u0111\u1ea7u c\u00f4 b\u1ecf qua nh\u01b0ng sau \u0111\u00f3 b\u1eaft \u0111\u1ea7u c\u00e2n nh\u1eafc v\u00e0 t\u00ecm hi\u1ec3u. Sau \u0111\u00f3 hai tu\u1ea7n, c\u00f4 t\u1ea3i v\u1ec1 th\u1eed v\u00e0 r\u00f3t \u0111\u1ec1u \u0111\u1eb7n 500.000 \u0111\u1ed3ng m\u1ed7i th\u00e1ng v\u00e0o m\u1ee5c “t\u00edch l\u0169y”.<\/p>\n

Nhi\u1ec1u \u1ee9ng d\u1ee5ng Fintech nh\u01b0 Finhay, MoMo, ZaloPay, Infina… \u0111ang thu h\u00fat h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi nh\u01b0 Nhi b\u1ecf ti\u1ec1n v\u00e0o c\u00e1c “s\u1ea3n ph\u1ea9m t\u00edch lu\u1ef9” c\u00f3 k\u1ef3 h\u1ea1n ho\u1eb7c kh\u00f4ng k\u1ef3 h\u1ea1n.<\/p>\n

L\u00e3i su\u1ea5t cam k\u1ebft \u0111\u1ecbnh k\u1ef3 h\u1ea5p d\u1eabn h\u01a1n nhi\u1ec1u so v\u1edbi\u00a0g\u1eedi ng\u00e2n h\u00e0ng\u00a0l\u00e0 y\u1ebfu t\u1ed1 ch\u00ednh khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi chu\u1ed9ng b\u1ecf ti\u1ec1n v\u00e0o c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y. N\u1ebfu g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n tr\u00ean c\u00e1c \u1ee9ng d\u1ee5ng Fintech, m\u1ee9c l\u00e3i cam k\u1ebft l\u00ean t\u1edbi 5-6% m\u1ed9t n\u0103m, cao h\u01a1n nhi\u1ec1u so v\u1edbi m\u1eb7t b\u1eb1ng chung ch\u1ec9 0,1-0,2% n\u1ebfu g\u1eedi \u1edf ng\u00e2n h\u00e0ng. V\u1edbi c\u00e1c k\u1ef3 h\u1ea1n 3, 6, 9 v\u00e0 12 th\u00e1ng, l\u00e3i su\u1ea5t m\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y cam k\u1ebft dao \u0111\u1ed9ng t\u1eeb 6-9%, cao h\u01a1n 1-2% (t\u00f9y th\u1eddi \u0111i\u1ec3m) so v\u1edbi g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng.<\/p>\n

Nh\u1edd m\u1ee9c l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn, s\u1ea3n ph\u1ea9m t\u00fai Th\u1ea7n T\u00e0i c\u1ee7a Momo v\u00e0 Finsight c\u00f4ng b\u1ed1 c\u00e1n m\u1ed1c m\u1ed9t tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng h\u1ed3i \u0111\u1ea7u th\u00e1ng 8\/2021, ch\u1ec9 sau g\u1ea7n 10 th\u00e1ng ra m\u1eaft. \u0110\u1ea1i di\u1ec7n Finhay – m\u1ed9t Fintech ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh, cho bi\u1ebft \u1ee9ng d\u1ee5ng \u0111ang c\u00f3 h\u01a1n hai tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng \u1edf t\u1ea5t c\u1ea3 s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0. S\u1ea3n ph\u1ea9m “t\u00edch l\u0169y” c\u1ee7a Infina t\u00edch h\u1ee3p trong v\u00ed \u0111i\u1ec7n t\u1eed ZaloPay c\u00f4ng b\u1ed1 c\u00f3 h\u01a1n 600.000 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng h\u1ed3i th\u00e1ng 8\/2022 sau 4 th\u00e1ng tri\u1ec3n khai.<\/p>\n

S\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed Shopee c\u0169ng v\u1eeba kh\u1ea3o s\u00e1t ng\u01b0\u1eddi d\u00f9ng v\u1ec1 nhu c\u1ea7u s\u1eed d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 sinh l\u00e3i tr\u00ean \u1ee9ng d\u1ee5ng, kh\u00f4ng lo\u1ea1i tr\u1eeb kh\u1ea3 n\u0103ng s\u1ebd s\u1edbm nh\u1ea3y v\u00e0o ng\u00e1ch th\u1ecb tr\u01b0\u1eddng n\u00e0y.<\/p>\n

Th\u1ef1c t\u1ebf, c\u00e1c s\u1ea3n ph\u1ea9m “t\u00edch l\u0169y” m\u00e0 nhi\u1ec1u Fintech qu\u1ea3ng b\u00e1 l\u00e0 m\u1ed9t d\u1ea1ng \u0111\u1ea7u t\u01b0 v\u00e0 \u0111\u1ea7u t\u01b0 th\u00ec bu\u1ed9c \u0111i k\u00e8m r\u1ee7i ro.\u00a0<\/strong><\/h5>\n

C\u00e1c Fintech ch\u1ec9 l\u00e0 trung gian, ph\u00e2n ph\u1ed1i l\u1ea1i s\u1ea3n ph\u1ea9m ho\u1eb7c k\u1ebft h\u1ee3p c\u00e1c s\u1ea3n ph\u1ea9m th\u00e0nh t\u1eebng “g\u00f3i” c\u00f3 l\u1ee3i nhu\u1eadn kh\u00e1c nhau t\u00f9y th\u1eddi gian g\u1eedi ti\u1ec1n. Nhi\u1ec1u Fintech hi\u1ec7n nay chi m\u1ea1nh cho ng\u01b0\u1eddi n\u1ed5i ti\u1ebfng qu\u1ea3ng b\u00e1 s\u1ea3n ph\u1ea9m “t\u00edch l\u0169y” t\u01b0\u01a1ng t\u1ef1 g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh. Ch\u1ec9 khi truy c\u1eadp v\u00e0o trang web ho\u1eb7c \u0111\u1ebfn b\u01b0\u1edbc k\u00fd h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh, kh\u00e1ch h\u00e0ng m\u1edbi \u0111\u01b0\u1ee3c di\u1ec5n gi\u1ea3i r\u00f5 h\u01a1n b\u1ea3n ch\u1ea5t c\u1ee7a s\u1ea3n ph\u1ea9m.<\/p>\n

Ti\u1ec1n t\u1eeb s\u1ea3n ph\u1ea9m “t\u00edch lu\u1ef9” \u0111\u01b0\u1ee3c c\u00e1c \u0111\u01a1n v\u1ecb mua v\u00e0 \u0111\u1ee9ng t\u00ean s\u1edf h\u1eefu s\u1ea3n ph\u1ea9m ti\u1ec1n g\u1eedi, ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi,\u00a0ch\u1ee9ng ch\u1ec9 qu\u1ef9\u00a0hay\u00a0tr\u00e1i phi\u1ebfu. Sau \u0111\u00f3, h\u1ecd “b\u00e1n l\u1ebb” l\u1ea1i cho kh\u00e1ch h\u00e0ng v\u1edbi s\u1ed1 ti\u1ec1n nh\u1ecf h\u01a1n, r\u00e0ng bu\u1ed9c b\u1eb1ng h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh. \u0110\u1ed5i l\u1ea1i, c\u00e1c Fintech s\u1ebd thu ph\u00ed qu\u1ea3n l\u00fd ho\u1eb7c ph\u00ed d\u1ecbch v\u1ee5 kho\u1ea3ng 0-1,5% gi\u00e1 tr\u1ecb t\u00e0i kho\u1ea3n, ph\u00ed n\u1ea1p ti\u1ec1n v\u00e0 ph\u00ed r\u00fat ti\u1ec1n v\u1edbi m\u1ee9c 0-1,4% gi\u00e1 tr\u1ecb giao d\u1ecbch.<\/p>\n

K\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a vi\u1ec7c \u0111\u1ea7u t\u01b0 kh\u00f4ng ph\u1ea3i do c\u00e1c \u0111\u01a1n v\u1ecb n\u00e0y qu\u1ea3n l\u00fd v\u00e0 ki\u1ec3m so\u00e1t. Tuy v\u1eady, h\u1ea7u h\u1ebft \u0111\u1ec1u cam k\u1ebft tr\u1ea3 l\u00e3i \u0111\u00fang nh\u01b0 con s\u1ed1 \u0111\u00e3 c\u00f4ng b\u1ed1 v\u00e0 cam k\u1ebft “t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a kh\u00e1ch h\u00e0ng lu\u00f4n t\u0103ng tr\u01b0\u1edfng d\u01b0\u01a1ng”.<\/p>\n

Trong c\u01a1 c\u1ea5u s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh m\u00e0 Fintech mua, tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7, ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi ho\u1eb7c h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi l\u00e0 nh\u1eefng t\u00e0i s\u1ea3n kh\u00f4ng c\u00f3 ho\u1eb7c r\u1ee7i ro r\u1ea5t th\u1ea5p, \u0111i k\u00e8m v\u1edbi m\u1ee9c sinh l\u1eddi th\u1ea5p. C\u00f2n c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 kh\u00e1c \u0111\u1ec1u c\u00f3 r\u1ee7i ro, \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p.<\/p>\n

Ph\u00f3 gi\u00e1m \u0111\u1ed1c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u1ed9t c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 n\u00f3i v\u1edbi\u00a0VnExpress<\/em>, theo quy \u0111\u1ecbnh, c\u00e1c c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u01b0a ra cam k\u1ebft l\u1ee3i nhu\u1eadn, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea7u t\u01b0 t\u00e0i s\u1ea3n thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh (fix income). Tuy nhi\u00ean, quy \u0111\u1ecbnh c\u0169ng y\u00eau c\u1ea7u c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 kh\u00f4ng \u0111\u01b0\u1ee3c d\u00f9ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u0111\u1ec3 b\u00f9 \u0111\u1eafp t\u1ed5n th\u1ea5t cho nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

Khi danh m\u1ee5c \u0111\u1ea7u t\u01b0 kh\u00f4ng thu\u1eadn l\u1ee3i, v\u00ed d\u1ee5 doanh nghi\u1ec7p kh\u00f4ng thanh to\u00e1n \u0111\u00fang h\u1ea1n ho\u1eb7c m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n v\u1edbi tr\u00e1i ch\u1ee7, v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c d\u00f9ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u0111\u1ec3 b\u00f9 \u0111\u1eafp t\u1ed5n th\u1ea5t cho kh\u00e1ch h\u00e0ng n\u00ean nhi\u1ec1u nh\u00e0 qu\u1ea3n l\u00fd qu\u1ef9 uy t\u00edn kh\u00f4ng d\u00e1m cam k\u1ebft l\u1ee3i nhu\u1eadn c\u1ed1 \u0111\u1ecbnh, k\u1ec3 c\u1ea3 khi \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i s\u1ea3n thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh.<\/p>\n

“D\u00f9 \u0111\u01a1n v\u1ecb Fintech cam k\u1ebft l\u1ee3i nhu\u1eadn c\u1ed1 \u0111\u1ecbnh nh\u01b0ng nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n \u00fd th\u1ee9c r\u00f5, \u0111\u00e2y v\u1eabn l\u00e0 m\u1ed9t k\u00eanh \u0111\u1ea7u t\u01b0 r\u1ee7i ro v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 \u0111\u00fang nh\u01b0 cam k\u1ebft”, \u0111\u1ea1i di\u1ec7n c\u1ee7a c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 n\u00f3i. Vi\u1ec7c c\u00e1c Fintech ph\u00e2n ph\u1ed1i c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 t\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 \u0111i\u1ec1u hoan ngh\u00eanh nh\u01b0ng theo v\u1ecb n\u00e0y, c\u00e1ch ti\u1ebfp c\u1eadn sai l\u1ec7ch \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng b\u1eb1ng c\u00e1ch cam k\u1ebft l\u1ee3i nhu\u1eadn c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t l\u1ea1i.<\/p>\n

\u00d4ng H\u1ed3 Qu\u1ed1c Tu\u1ea5n – Gi\u1ea3ng vi\u00ean \u0110\u1ea1i h\u1ecdc Bristol (Anh) c\u0169ng cho r\u1eb1ng Fintech c\u1ea7n gi\u1ea3i th\u00edch r\u1ee7i ro m\u1ed9t c\u00e1ch \u0111\u00fang b\u1ea3n ch\u1ea5t cho kh\u00e1ch h\u00e0ng. Theo chuy\u00ean gia, c\u00e1c \u0111\u01a1n v\u1ecb n\u00e0y c\u1ea7n ph\u1ea3i minh b\u1ea1ch h\u01a1n n\u1eefa v\u1ec1 h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 v\u00e0 r\u1ee7i ro \u0111i k\u00e8m thay v\u00ec qu\u1ea3ng c\u00e1o t\u1edbi ng\u01b0\u1eddi d\u00f9ng b\u1eb1ng c\u00e1ch kh\u00e1i ni\u1ec7m d\u1ec5 hi\u1ec3u nh\u1ea7m l\u00e0 an to\u00e0n nh\u01b0 “g\u1eedi ti\u1ebft ki\u1ec7m” hay “t\u00edch lu\u1ef9” v\u1edbi l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh.<\/p>\n

M\u00f4 h\u00ecnh nh\u00e0 m\u00f4i gi\u1edbi (broker) ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 \u0111\u00e3 ph\u1ed5 bi\u1ebfn, Vi\u1ec7t Nam c\u0169ng kh\u00f4ng c\u1ea5m ho\u1ea1t \u0111\u1ed9ng tr\u00ean nh\u01b0ng khung ph\u00e1p l\u00fd ch\u01b0a r\u00f5 r\u00e0ng.<\/strong><\/h5>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong> cho r\u1eb1ng c\u00e1c Fintech ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng tr\u00e1i lu\u1eadt. \u0110\u00e2y l\u00e0 c\u00e1ch l\u00e0m m\u1edbi, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 trong \u0111\u1ea7u t\u01b0. N\u1ebfu l\u00e0m b\u00e0i b\u1ea3n v\u00e0 nghi\u00eam t\u00fac, “t\u00edch l\u0169y” s\u1ebd l\u00e0 m\u1ed9t d\u1ecbch v\u1ee5 gi\u00fap kh\u00e1ch h\u00e0ng \u0111a d\u1ea1ng h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0, ph\u00e2n t\u00e1n r\u1ee7i ro, s\u1eed d\u1ee5ng v\u1ed1n linh ho\u1ea1t, hi\u1ec7u qu\u1ea3 v\u00e0 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn.<\/em><\/p>\n

Tuy nhi\u00ean, n\u1ebfu ng\u01b0\u1eddi l\u00e0m \u0111\u1ea7u m\u1ed1i cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00f4ng c\u00f3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1ed1t, kh\u00f4ng ch\u00fa tr\u1ecdng vi\u1ec7c ki\u1ec3m so\u00e1t r\u1ee7i ro, kh\u00f4ng s\u1eed d\u1ee5ng v\u1ed1n \u0111\u00fang m\u1ee5c \u0111\u00edch v\u00e0 kh\u00f4ng tu\u00e2n th\u1ee7 \u0111\u00fang cam k\u1ebft, s\u1ebd mang l\u1ea1i r\u1ee7i ro l\u1edbn cho nh\u00e0 \u0111\u1ea7u t\u01b0, k\u1ec3 c\u1ea3 vi\u1ec7c m\u1ea5t tr\u1eafng c\u1ea3 v\u1ed1n l\u1eabn l\u00e3i. Ngo\u00e0i ra, b\u1ea3n th\u00e2n nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng s\u1edf h\u1eefu ri\u00eang gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 n\u00e0o m\u00e0 s\u1edf h\u1eefu chung v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi n\u00ean kh\u00f4ng d\u1ec5 th\u1ef1c hi\u1ec7n quy\u1ec1n c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu.<\/em><\/p>\n

\"G\u1eedi

M\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng Fintech c\u00f3 “s\u1ea3n ph\u1ea9m t\u00edch l\u0169y” hi\u1ec7n nay. \u1ea2nh:\u00a0T\u1ea5t \u0110\u1ea1t<\/p><\/div>\n

Tr\u01b0\u1edbc khi b\u1ecf ti\u1ec1n v\u00e0o c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 \u0111ang k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi \u0111\u1ed1i t\u00e1c n\u00e0o. Theo quy \u0111\u1ecbnh, ch\u1ec9 c\u00e1c c\u00f4ng ty c\u00f3 gi\u1ea5y ph\u00e9p qu\u1ea3n l\u00fd qu\u1ef9 ho\u1eb7c qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p gom ti\u1ec1n t\u1eeb kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh. Do kh\u00f4ng c\u00f3 lu\u1eadt c\u1ea5m, nhi\u1ec1u Fintech d\u00f9 kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p qu\u1ea3n l\u00fd qu\u1ef9 ho\u1eb7c qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0, v\u1eabn c\u00f3 th\u1ec3 gom ti\u1ec1n t\u1eeb kh\u00e1ch h\u00e0ng d\u01b0\u1edbi h\u00ecnh th\u1ee9c h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0 ho\u1eb7c h\u1ee3p t\u00e1c kinh doanh.<\/p>\n

V\u1edbi c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng hi\u1ec7n nay, c\u0169ng theo \u00f4ng H\u1ed3 Qu\u1ed1c Tu\u1ea5n, khi c\u00f3 tranh ch\u1ea5p x\u1ea3y ra ho\u1eb7c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u1ed1 t\u00ecnh l\u1ea9n tr\u00e1nh tr\u00e1ch nhi\u1ec7m, nh\u00e0 \u0111\u1ea7u t\u01b0 “t\u1ef1 ch\u01a1i t\u1ef1 ch\u1ecbu” v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 theo c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 ch\u1ee9ng kho\u00e1n.<\/p>\n

\u0110\u00f3 c\u0169ng l\u00e0 l\u00fd do \u1ee6y ban ch\u1ee9ng kho\u00e1n g\u1ea7n \u0111\u00e2y \u0111\u01b0a ra khuy\u1ebfn c\u00e1o. M\u1ed9t s\u1ed1 doanh nghi\u1ec7p thi\u1ebft l\u1eadp c\u00e1c website, \u1ee9ng d\u1ee5ng giao d\u1ecbch (Passion Invest, Finhay, Tikop, Infina, Savenow, Buff…) huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u01b0\u1edbi h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh, c\u00f3 d\u1ea5u hi\u1ec7u ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00fd qu\u1ef9 v\u00e0 qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c \u1ee6y ban ch\u1ee9ng kho\u00e1n Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p, gi\u00e1m s\u00e1t. Do \u0111\u00f3, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 g\u1eb7p r\u1ee7i ro khi c\u00f3 tranh ch\u1ea5p x\u1ea3y ra m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt v\u1ec1 ch\u1ee9ng kho\u00e1n b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch c\u1ee7a m\u00ecnh.<\/p>\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft r\u1ee7i ro ph\u00e1p l\u00fd, m\u1ed9t v\u00e0i doanh nghi\u1ec7p ch\u1ecdn c\u00e1ch mua l\u1ea1i c\u00f4ng ty ch\u1ee9ng kho\u00e1n. Trong \u0111\u00f3\u00a0Finhay\u00a0\u0111\u00e3 th\u00e2u t\u00f3m 96,62% C\u00f4ng ty c\u1ed5 ph\u1ea7n Ch\u1ee9ng kho\u00e1n Vina (VNSC),\u00a0Momo\u00a0hi\u1ec7n n\u1eafm gi\u1eef 49% C\u00f4ng ty c\u1ed5 ph\u1ea7n Ch\u1ee9ng kho\u00e1n CV (CVS).<\/p>\n

CEO Finhay Nghi\u00eam Xu\u00e2n Huy cho bi\u1ebft, th\u1eddi gian t\u1edbi kh\u00e1ch h\u00e0ng khi giao d\u1ecbch tr\u00ean Fintech s\u1ebd k\u00fd h\u1ee3p \u0111\u1ed3ng tr\u1ef1c ti\u1ebfp v\u1edbi VNSC, thay v\u00ec \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u1ee7y th\u00e1c qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 cho c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 \u0111\u1ed1i t\u00e1c. B\u01b0\u1edbc chuy\u1ec3n \u0111\u1ed5i n\u00e0y c\u00f3 th\u1ec3 gi\u00fap kh\u1eafc ph\u1ee5c r\u1ee7i ro v\u1ec1 ph\u00e1p l\u00fd v\u00e0 \u0111\u1ea3m b\u1ea3o kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 d\u01b0\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt ch\u1ee9ng kho\u00e1n hi\u1ec7n nay.<\/p>\n

Hi\u1ec7n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00f4ng ch\u00fang (ng\u00e2n h\u00e0ng, c\u00f4ng ty qu\u1ef9, doanh nghi\u1ec7p ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu) \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ho\u1eb7c B\u1ed9 T\u00e0i ch\u00ednh qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd. Trong khi \u0111\u00f3, c\u00e1c Fintech \u0111ang \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m v\u00e0 khuy\u1ebfn kh\u00edch, nh\u01b0ng Nh\u00e0 n\u01b0\u1edbc qu\u1ea3n l\u00fd ch\u01b0a s\u00e1t, theo chuy\u00ean gia t\u00e0i ch\u00ednh L\u00e2m Minh Ch\u00e1nh. \u00d4ng cho r\u1eb1ng n\u1ebfu kh\u00f4ng c\u00f3 bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd , tr\u00e1nh t\u00ecn tr\u1ea1ng “tr\u0103m hoa \u0111ua n\u1edf”, ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i cu\u1ed1i c\u00f9ng s\u1ebd l\u00e0 ng\u01b0\u1eddi d\u00e2n.<\/p>\n

T\u1ea5t \u0110\u1ea1t – Qu\u1ef3nh Trang<\/strong><\/h5>\n

—————–<\/p>\n

Vietnam Express (Kinh doanh) 07-10-2022:<\/em><\/strong><\/p>\n

https:\/\/vnexpress.net\/nhieu-nguoi-chuong-gui-tiet-kiem-qua-ung-dung-fintech-4511443.html<\/a><\/em><\/p>\n

(166\/1.708)<\/em><\/p>\n

#Finhay<\/p>\n

#Fintech","protected":false},"excerpt":{"rendered":"

G\u1eedi ti\u1ebft ki\u1ec7m qua Fintech – l\u00e3i cao, ph\u00e1p l\u00fd ch\u01b0a r\u00f5 r\u00e0ng (VNE) – C\u00e1c \u1ee9ng d\u1ee5ng Fintech cung c\u1ea5p “s\u1ea3n ph\u1ea9m t\u00edch l\u0169y” v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n ng\u00e2n h\u00e0ng \u0111ang thu h\u00fat h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi g\u1eedi ti\u1ec1n nh\u01b0ng ph\u00e1p l\u00fd l\u1ea1i ch\u01b0a r\u00f5 r\u00e0ng. Y\u1ebfn Nhi (21 tu\u1ed5i, TP HCM) hay b\u1eaft […]<\/p>\n","protected":false},"author":1,"featured_media":34293,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[32,37,41,36,29],"class_list":["post-34292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-anvi","tag-kinh-doanh-sanh-luat","tag-luat-su-chung-khoan","tag-luat-su-ngan-hang","tag-truong-thanh-duc"],"acf":[],"yoast_head":"\n3.258. 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