{"id":34456,"date":"2022-10-18T16:48:52","date_gmt":"2022-10-18T09:48:52","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=34456"},"modified":"2024-12-26T09:58:13","modified_gmt":"2024-12-26T02:58:13","slug":"3-272-cong-ty-tai-chinh-dau-dau-giai-quyet-bai-toan-bi-danh-dong-voi-hoat-dong-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-273-cong-ty-tai-chinh-dau-dau-giai-quyet-bai-toan-bi-danh-dong-voi-hoat-dong-tin-dung-den\/","title":{"rendered":"3.273. C\u00f4ng ty t\u00e0i ch\u00ednh “\u0111au \u0111\u1ea7u” gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n b\u1ecb \u0111\u00e1nh \u0111\u1ed3ng v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en"},"content":{"rendered":"

C\u00f4ng ty t\u00e0i ch\u00ednh “\u0111au \u0111\u1ea7u” gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n b\u1ecb \u0111\u00e1nh \u0111\u1ed3ng v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en<\/span><\/h4>\n
(KTVN) – <\/strong>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1edbi ch\u1ec9 c\u1ea5p ph\u00e9p cho 16 c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng v\u1edbi 17 chi nh\u00e1nh, 41 v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n v\u00e0 74.337 \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 tr\u00ean to\u00e0n qu\u1ed1c…<\/strong><\/h5>\n
\"C\u00f4ng

To\u00e0n c\u1ea3nh h\u1ed9i th\u1ea3o<\/p><\/div>\n

Ng\u00e0y 18\/10\/2022, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ph\u1ed1i h\u1ee3p v\u1edbi V\u1ee5 T\u00edn d\u1ee5ng c\u00e1c ng\u00e0nh kinh t\u1ebf – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, t\u1ed5 ch\u1ee9c h\u1ed9i th\u1ea3o: \u201cT\u00e0i ch\u00ednh Ti\u00eau d\u00f9ng \u2013 K\u00eanh d\u1eabn v\u1ed1n hi\u1ec7u qu\u1ea3 v\u1edbi ng\u01b0\u1eddi y\u1ebfu th\u1ebf\u201d.<\/p>\n

Ph\u00e1t bi\u1ec3u t\u1ea1i h\u1ed9i th\u1ea3o, \u00f4ng \u0110\u00e0o Minh T\u00fa, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, th\u1eeba nh\u1eadn r\u1eb1ng s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam trong nh\u1eefng n\u0103m qua kh\u00f4ng n\u1eb1m ngo\u00e0i xu th\u1ebf \u1edf c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi. Th\u1ef1c t\u1ebf n\u00e0y c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn kh\u00f4ng ch\u1ec9 b\u1edfi s\u1ef1 gia t\u0103ng v\u1ec1 quy m\u00f4 v\u00e0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng m\u00e0 c\u00f2n b\u1edfi nh\u1eefng hi\u1ec7u \u1ee9ng t\u00edch c\u1ef1c \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf x\u00e3 h\u1ed9i.<\/p>\n

Hi\u1ec7n nay, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1edbi ch\u1ec9 c\u1ea5p ph\u00e9p cho 16 c\u00f4ng ty t\u00e0i ch\u00ednh\u00a0 ho\u1ea1t \u0111\u1ed9ng v\u1edbi 17 chi nh\u00e1nh, 41 v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n v\u00e0 74.337 \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 tr\u00ean to\u00e0n qu\u1ed1c.<\/p>\n

T\u00ednh \u0111\u1ebfn 30\/6\/2022, t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a kh\u1ed1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 240.348 t\u1ef7 \u0111\u1ed3ng, t\u0103ng kho\u1ea3ng 7% so v\u1edbi th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m 2021. V\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 31.235 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 3,54% so v\u1edbi th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m 2021, trong \u0111\u00f3 C\u00f4ng ty t\u00e0i ch\u00ednh Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam Th\u1ecbnh v\u01b0\u1ee3ng c\u00f3 m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 cao nh\u1ea5t l\u00e0 10.928 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

“Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p \u0111\u1ec1u tu\u00e2n th\u1ee7 nghi\u00eam ng\u1eb7t quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c c\u00f3 li\u00ean quan trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng”, \u00f4ng T\u00fa nh\u1ea5n m\u1ea1nh.<\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd, m\u1eb7c d\u00f9 \u0111ang t\u00edch c\u1ef1c gi\u00fap ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c c\u00e1c ngu\u1ed3n v\u1ed1n ch\u00ednh th\u1ee9c, qua \u0111\u00f3 g\u00f3p ph\u1ea7n ng\u0103n ch\u1eb7n v\u00e0 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng ho\u1ea1t \u0111\u1ed9ng\/th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p l\u1ea1i \u0111ang b\u1ecb hi\u1ec3u nh\u1ea7m\/\u0111\u00e1nh \u0111\u1ed3ng v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh m\u1ea1o danh, kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hay c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng kh\u00e1c.<\/p>\n

B\u1edfi l\u1ebd, m\u1ed9t s\u1ed1 c\u00f4ng ty t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh, c\u00f4ng ty \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh, c\u00e1c c\u00f4ng ty kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3, c\u00e1c c\u00f4ng ty fintech cho vay online, c\u00e1c App cho vay (kh\u00f4ng ph\u1ea3i do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p, kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng)… t\u1ef1 \u0111\u1eb7t t\u00ean m\u1eadp m\u1edd l\u00e0 \u201cc\u00f4ng ty t\u00e0i ch\u00ednh\u201d v\u00e0 c\u0169ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng cho vay, d\u1ec5 g\u00e2y hi\u1ec3u nh\u1ea7m nh\u01b0 c\u00f4ng ty t\u00e0i ch\u00ednh do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p.<\/p>\n

Th\u1eadm ch\u00ed, \u00f4ng\u00a0\u0110\u1ed7 Minh Ph\u01b0\u01a1ng, Ph\u00f3 Tr\u01b0\u1edfng Ph\u00f2ng Tr\u1ecdng \u00e1n, C\u1ee5c C\u1ea3nh s\u00e1t H\u00ecnh s\u1ef1, B\u1ed9 C\u00f4ng an, cho hay g\u1ea7n \u0111\u00e2y xu\u1ea5t hi\u1ec7n nhi\u1ec1u \u1ee9ng d\u1ee5ng kh\u00f4ng r\u00f5 ngu\u1ed3n g\u1ed1c v\u1ec1 \u0111\u01a1n v\u1ecb ch\u1ee7 qu\u1ea3n c\u00f3 bi\u1ec3u hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en. C\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y th\u01b0\u1eddng xuy\u00ean thay \u0111\u1ed5i t\u00ean ho\u1eb7c \u0111\u1ec3 \u1ea9n th\u00f4ng tin nh\u1eb1m tr\u00e1nh s\u1ef1 theo d\u00f5i c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng.<\/p>\n

\u0110\u1ed3ng th\u1eddi, khi kh\u00e1ch h\u00e0ng c\u00e0i \u0111\u1eb7t \u1ee9ng d\u1ee5ng vay v\u00e0 \u0111\u1ec3 l\u1ea1i th\u00f4ng tin c\u00e1 nh\u00e2n, s\u1ebd c\u00f3 \u0111\u1ed1i t\u01b0\u1ee3ng li\u00ean h\u1ec7, m\u1eddi ch\u00e0o vay ti\u1ec1n v\u00e0 c\u00e0i \u0111\u1eb7t c\u00e1c \u1ee9ng d\u1ee5ng vay kh\u00e1c. C\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y c\u00f3 kh\u1ea3 n\u0103ng truy c\u1eadp thu th\u1eadp danh b\u1ea1, l\u1ecbch s\u1eed tin nh\u1eafn, cu\u1ed9c g\u1ecdi, th\u00f4ng tin t\u00e0i kho\u1ea3n m\u1ea1ng x\u00e3 h\u1ed9i… c\u1ee7a ng\u01b0\u1eddi vay \u0111\u1ec3 s\u1eed d\u1ee5ng khi \u0111\u00f2i n\u1ee3 ho\u1eb7c cho nh\u1eefng m\u1ee5c \u0111\u00edch tr\u00e1i ph\u00e1p lu\u1eadt kh\u00e1c.<\/p>\n

\"C\u00f4ng<\/p>\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><\/p>\n

“B\u1ea5t k\u1ef3 t\u1ed5 ch\u1ee9c n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p m\u00e0 s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb \u201cc\u00f4ng ty t\u00e0i ch\u00ednh\u201d \u201cho\u1eb7c c\u00e1c c\u1ee5m t\u1eeb, thu\u1eadt ng\u1eef kh\u00e1c trong t\u00ean c\u1ee7a t\u1ed5 ch\u1ee9c, ch\u1ee9c danh ho\u1eb7c trong c\u00e1c ph\u1ea7n ph\u1ee5 th\u00eam c\u1ee7a t\u00ean, ch\u1ee9c danh ho\u1eb7c trong gi\u1ea5y t\u1edd giao d\u1ecbch ho\u1eb7c qu\u1ea3ng c\u00e1o c\u1ee7a m\u00ecnh n\u1ebfu vi\u1ec7c s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb, thu\u1eadt ng\u1eef \u0111\u00f3 c\u00f3 th\u1ec3 g\u00e2y nh\u1ea7m l\u1eabn cho kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c c\u1ee7a m\u00ecnh l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 5 v\u1ec1 \u201cS\u1eed d\u1ee5ng thu\u1eadt ng\u1eef li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng”.<\/em><\/p>\n

Th\u1ef1c t\u1ebf kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y ch\u1ee7 y\u1ebfu l\u00e0 h\u1ecdc sinh, sinh vi\u00ean, c\u00f4ng nh\u00e2n vi\u00ean, ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p c\u1ea7n vay m\u1ed9t kho\u1ea3n ti\u1ec1n kho\u1ea3ng v\u00e0i tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian ng\u1eafn m\u00e0 kh\u00f4ng mu\u1ed1n th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c vay t\u1ea1i ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

“Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ec3 \u00fd ho\u1eb7c b\u1ecf qua c\u00e1c th\u00f4ng tin quy \u0111\u1ecbnh r\u00e0ng bu\u1ed9c v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed, ti\u1ec1n ph\u1ea1t d\u1eabn \u0111\u1ebfn m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea3i tr\u1ea3 cao h\u01a1n nhi\u1ec1u l\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng, d\u1eabn \u0111\u1ebfn vi\u1ec7c vay c\u1ee7a \u1ee9ng d\u1ee5ng sau tr\u1ea3 l\u00e3i cho \u1ee9ng d\u1ee5ng tr\u01b0\u1edbc”, \u00f4ng Ph\u01b0\u01a1ng n\u00f3i.<\/p>\n

Theo \u00f4ng Nguy\u1ec5n Th\u00e0nh Ph\u00fac, Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0110\u1ed1c FE Credit, th\u1ef1c tr\u1ea1ng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh b\u1ecb hi\u1ec3u nh\u1ea7m l\u00e0 t\u00edn d\u1ee5ng \u0111en \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng t\u1edbi c\u00f4ng t\u00e1c thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00f4ng ty. \u0110\u1eb7c bi\u1ec7t, khi nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng x\u1ea5u l\u1ee3i d\u1ee5ng s\u1ef1 c\u1ea3 tin v\u00e0 ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh h\u1ea1n ch\u1ebf c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 d\u1ee5 d\u1ed7 cho vay sau \u0111\u00f3 l\u1ea1i x\u01b0ng danh c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111\u00f2i n\u1ee3 b\u1eb1ng nh\u1eefng h\u00e0nh vi thi\u1ebfu chu\u1ea9n m\u1ef1c. \u0110i\u1ec1u n\u00e0y khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n lo s\u1ee3, m\u1ea5t l\u00f2ng tin v\u00e0 kh\u00f4ng d\u00e1m l\u1ef1a ch\u1ecdn vay v\u1ed1n t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

“Nhi\u1ec1u kh\u00e1ch h\u00e0ng mu\u1ed1n vay c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ch\u00ednh th\u1ed1ng qua app nh\u01b0ng kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t v\u00e0 l\u1ef1a ch\u1ecdn \u0111\u01b0\u1ee3c app cho vay uy t\u00edn. Ngo\u00e0i ra, \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p nghi ng\u1edd gian l\u1eadn, nh\u00e2n vi\u00ean c\u00f4ng ty c\u0169ng kh\u00f4ng th\u1ec3 li\u00ean h\u1ec7 \u0111\u1ec3 x\u00e1c minh, x\u1eed l\u00fd khi\u1ebfu n\u1ea1i cho kh\u00e1ch h\u00e0ng v\u00ec kh\u00e1ch h\u00e0ng cho r\u1eb1ng \u0111\u00f3 l\u00e0 c\u00e1c cu\u1ed9c g\u1ecdi l\u1eeba \u0111\u1ea3o. V\u00ec v\u1eady, c\u00f4ng ty \u0111ang r\u1ea5t loay hoay \u0111\u1ec3 gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n n\u00e0y”, \u00f4ng Ph\u00fac chia s\u1ebb.<\/p>\n

T\u1ea1i h\u1ed9i th\u1ea3o, b\u00e0\u00a0Ph\u1ea1m Th\u1ecb Thanh T\u00f9ng, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 T\u00edn d\u1ee5ng c\u00e1c ng\u00e0nh kinh t\u1ebf Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho hay, \u0111\u1ec3 ti\u1ebfp t\u1ee5c \u0111\u1ea9y m\u1ea1nh ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ti\u00eau d\u00f9ng ch\u00ednh \u0111\u00e1ng, h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi d\u00e2n, g\u00f3p ph\u1ea7n c\u00f9ng c\u00e1c c\u1ea5p, c\u00e1c ng\u00e0nh \u0111\u1ea5u tranh, ng\u0103n ng\u1eeba, h\u1ea1n ch\u1ebf \u201ct\u00edn d\u1ee5ng \u0111en\u201d, th\u1eddi gian t\u1edbi, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc s\u1ebd ti\u1ebfp t\u1ee5c t\u1eadp trung tri\u1ec3n khai nhi\u1ec1u gi\u1ea3i ph\u00e1p.<\/p>\n

Trong \u0111\u00f3, m\u1ed9t m\u1eb7t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1eb7c bi\u1ec7t t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u00e1t tri\u1ec3n m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0nh m\u1ea1nh.<\/p>\n

M\u1eb7t kh\u00e1c,\u00a0\u0111\u1ea9y m\u1ea1nh truy\u1ec1n th\u00f4ng v\u1ec1 c\u00e1c c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng \u0111\u1ebfn m\u1ecdi t\u1ea7ng l\u1edbp nh\u00e2n d\u00e2n, gi\u00fap ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p hi\u1ec3u v\u1ec1 l\u1ee3i \u00edch t\u00edn d\u1ee5ng t\u1eeb c\u00e1c k\u00eanh cung c\u1ea5p t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c, g\u00f3p ph\u1ea7n chuy\u1ec3n t\u1ea3i v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng \u0111\u1ebfn ng\u01b0\u1eddi d\u00e2n m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 nh\u1ea5t, c\u0169ng nh\u01b0 gi\u00fap h\u1ecd th\u1ea5y \u0111\u01b0\u1ee3c c\u00e1c h\u1ec7 l\u1ee5y, h\u1eadu qu\u1ea3 c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

Trong 05 n\u0103m g\u1ea7n \u0111\u00e2y, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n kho\u1ea3ng 20%\/n\u0103m. \u0110\u1ebfn ng\u00e0y 30\/6\/2022, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng to\u00e0n n\u1ec1n kinh t\u1ebf \u0111\u1ea1t 11,4 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng 9,35% so v\u1edbi cu\u1ed1i n\u0103m 2021, trong \u0111\u00f3 cho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, ti\u00eau d\u00f9ng \u0111\u1ea1t kho\u1ea3ng 2,32 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm kho\u1ea3ng 22,22% d\u01b0 n\u1ee3 to\u00e0n n\u1ec1n kinh t\u1ebf, t\u0103ng 11,56% so v\u1edbi cu\u1ed1i n\u0103m 2021.<\/p>\n

C\u0169ng t\u00ednh \u0111\u1ebfn ng\u00e0y 30\/6\/2022, t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ea1t 140.257,6 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 11,1% so v\u1edbi cu\u1ed1i n\u0103m 2021; trong \u0111\u00f3 d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng v\u00e0 d\u01b0 n\u1ee3 ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng t\u0103ng l\u1ea7n l\u01b0\u1ee3t l\u00e0 10% v\u00e0 19% so v\u1edbi cu\u1ed1i n\u0103m 2021.<\/p>\n

\u0110\u00e0o V\u0169 <\/strong><\/h5>\n

————<\/em><\/p>\n

T\u1ea1p ch\u00ed Kinh t\u1ebf VN (Ng\u00e2n h\u00e0ng) 18-10-2022:<\/em><\/strong><\/p>\n

https:\/\/vneconomy.vn\/cong-ty-tai-chinh-dau-dau-giai-quyet-bai-toan-bi-danh-dong-voi-hoat-dong-tin-dung-den.htm<\/em><\/a><\/p>\n

(122\/1.420)<\/em><\/p>\n

#t\u00e0i ch\u00ednh","protected":false},"excerpt":{"rendered":"

C\u00f4ng ty t\u00e0i ch\u00ednh “\u0111au \u0111\u1ea7u” gi\u1ea3i quy\u1ebft b\u00e0i to\u00e1n b\u1ecb \u0111\u00e1nh \u0111\u1ed3ng v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en (KTVN) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1edbi ch\u1ec9 c\u1ea5p ph\u00e9p cho 16 c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng v\u1edbi 17 chi nh\u00e1nh, 41 v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n v\u00e0 74.337 \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 tr\u00ean to\u00e0n […]<\/p>\n","protected":false},"author":2,"featured_media":34457,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[39,37,34,36],"class_list":["post-34456","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-cong-ty-luat-anvi","tag-kinh-doanh-sanh-luat","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.273. 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