{"id":36407,"date":"2023-03-20T11:12:10","date_gmt":"2023-03-20T04:12:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36407"},"modified":"2024-11-29T11:40:07","modified_gmt":"2024-11-29T04:40:07","slug":"4-009-gui-tien-vao-ung-dung-fintech-khach-hang-co-nguy-co-trang-tay","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-009-gui-tien-vao-ung-dung-fintech-khach-hang-co-nguy-co-trang-tay\/","title":{"rendered":"4.009. G\u1eedi ti\u1ec1n v\u00e0o \u1ee9ng d\u1ee5ng Fintech: Kh\u00e1ch h\u00e0ng c\u00f3 nguy c\u01a1 “tr\u1eafng tay”"},"content":{"rendered":"

G\u1eedi ti\u1ec1n v\u00e0o \u1ee9ng d\u1ee5ng Fintech: Kh\u00e1ch h\u00e0ng c\u00f3 nguy c\u01a1 “tr\u1eafng tay”<\/span><\/h4>\n
(\u0110BND) – Theo Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, c\u00f3 r\u1ea5t nhi\u1ec1u \u1ee9ng d\u1ee5ng Fintech (c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh) \u0111ang ho\u1ea1t \u0111\u1ed9ng, m\u1ed9t s\u1ed1 \u0111\u01b0\u1ee3c ph\u00e9p nh\u01b0ng c\u0169ng c\u00f3 nhi\u1ec1u \u1ee9ng d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p. C\u00e1i kh\u00f3 nh\u1ea5t l\u00e0 ng\u01b0\u1eddi d\u00e2n kh\u00f4ng ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c. K\u1ec3 c\u1ea3 nh\u1eefng \u1ee9ng d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p c\u0169ng s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng theo c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty \u0111ang l\u00e0m, nh\u01b0 l\u00e0m \u0111\u01a1n v\u1ecb trung gian thanh to\u00e1n.<\/em><\/strong><\/h5>\n

V\u1eeba qua, B\u00e1o \u0110\u1ea1i bi\u1ec3u Nh\u00e2n D\u00e2n \u0111\u00e3 c\u00f3\u00a0tuy\u1ebfn b\u00e0i v\u1ec1 th\u1ef1c tr\u1ea1ng v\u00e0 r\u1ee7i ro c\u1ee7a c\u00e1c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c P2P Lending v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n th\u00f4ng qua \u1ee9ng d\u1ee5ng Fintech.<\/p>\n

\u0110\u1ec3 c\u00f3 c\u00e1i nh\u00ecn kh\u00e1ch quan, \u0111a chi\u1ec1u,\u00a0\u00a0ph\u00f3ng vi\u00ean \u0111\u00e3 li\u00ean h\u1ec7 ph\u1ecfng v\u1ea5n v\u1edbi 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

\"G\u1eedi

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI.<\/p><\/div>\n

PV:<\/em><\/strong>\u00a0Hi\u1ec7n nay c\u00f3 nhi\u1ec1u c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng v\u1edbi m\u00f4 h\u00ecnh \u0111\u1ea7u t\u01b0, cho vay ngang h\u00e0ng (P2P Lending). \u0110i\u1ec1u n\u00e0y ch\u01b0a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c b\u1ed9 lu\u1eadt hi\u1ec7n h\u00e0nh. \u00d4ng nh\u1eadn \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00eau tr\u00ean?<\/em><\/h5>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/strong>\u00a0Cho vay ngang h\u00e0ng hay c\u00f2n g\u1ecdi l\u00e0 P2P Lending kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt n\u00e0o, ch\u1ec9 c\u1ea7n \u0111\u1ea3m b\u1ea3o ti\u00eau ch\u00ed cho vay trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh. Quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt l\u00e0 \u0111\u1ec3 cho nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay hay kh\u00f4ng c\u00f3 g\u00ec d\u1ef1a v\u00e0o.<\/p>\n

PV:<\/em><\/strong>\u00a0Th\u1eddi gian g\u1ea7n \u0111\u00e2y,\u00a0nhi\u1ec1u c\u00f4ng ty cho ra m\u1eaft c\u00e1c \u1ee9ng d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i. Th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y, ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u \u0111\u1ebfn c\u00e1c g\u00f3i \u0111\u1ea7u t\u01b0, t\u00edch lu\u1ef9 v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao. \u0110\u00e1ng ch\u00fa \u00fd, c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y c\u00f3 d\u1ea5u hi\u1ec7u huy \u0111\u1ed9ng v\u1ed1n,\u00a0\u00f4ng c\u00f3 th\u1ec3 cho bi\u1ebft quan \u0111i\u1ec3m v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y ?<\/em><\/h5>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/strong>\u00a0C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ph\u00e9p cho vay, c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng v\u1ed1n. Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam kh\u00f4ng c\u00f3 lu\u1eadt c\u1ea5m \u0111\u1ed1i v\u1edbi h\u00e0nh vi huy \u0111\u1ed9ng v\u1ed1n.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf c\u00f3 r\u1ea5t nhi\u1ec1u t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi nhi\u1ec1u lo\u1ea1i h\u00ecnh kh\u00e1c nhau. V\u00e0 c\u00e1c doanh nghi\u1ec7p, c\u00e1c c\u00e1 nh\u00e2n \u0111\u1ec1u \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng, \u0111\u1ec1u \u0111\u01b0\u1ee3c ph\u00e9p cho vay. C\u00e1i kh\u00f3 nh\u1ea5t l\u00e0\u00a0ph\u00e2n\u00a0bi\u1ec7t\u00a0th\u1ebf\u00a0n\u00e0o\u00a0l\u00e0\u00a0kinh\u00a0doanh\u00a0ti\u1ec1n\u00a0t\u1ec7\u00a0v\u00e0\u00a0tr\u01b0\u1eddng\u00a0h\u1ee3p\u00a0n\u00e0o\u00a0l\u00e0\u00a0vi\u00a0ph\u1ea1m. B\u00ecnh th\u01b0\u1eddng th\u00ec\u00a0ai c\u0169ng c\u00f3 th\u1ec3 cho vay, ai c\u0169ng c\u00f3 th\u1ec3 huy \u0111\u1ed9ng.<\/p>\n

\u1ede \u0111\u00e2y\u00a0ch\u1ec9 \u0111\u1eb7t ra hai\u00a0v\u1ea5n \u0111\u1ec1.\u00a0M\u1ed9t l\u00e0, kinh doanh ti\u1ec1n t\u1ec7 m\u00e0 kh\u00f4ng c\u00f3 ph\u00e9p. Hai l\u00e0, l\u1eeba \u0111\u1ea3o gian d\u1ed1i, m\u1eafc ph\u1ea3i vi ph\u1ea1m c\u00f3 li\u00ean quan \u0111\u1ebfn thu\u1ebf. Huy \u0111\u1ed9ng v\u1ed1n k\u1ec3 c\u1ea3 qua \u1ee9ng d\u1ee5ng c\u0169ng kh\u00f4ng b\u1ecb c\u1ea5m.<\/p>\n

PV:<\/strong>\u00a0Ghi nh\u1eadn th\u1ef1c t\u1ebf,<\/em>\u00a0m\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng FinTech nh\u01b0 3GANG, Finhay cam k\u1ebft sinh l\u1eddi nh\u01b0ng t\u00ecnh h\u00ecnh kinh doanh li\u00ean t\u1ee5c thua l\u1ed7, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 nguy c\u01a1 g\u1eb7p r\u1ee7i ro cao. \u00d4ng nh\u1eadn \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi vi\u1ec7c n\u00e0y?<\/em><\/h5>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/strong>\u00a0L\u1ed7i \u0111\u1ea7u ti\u00ean c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0, h\u1ecd ch\u1ea5p nh\u1eadn r\u1ee7i ro cao, l\u00e3i su\u1ea5t cao, c\u01a1 h\u1ed9i v\u00e0 nguy c\u01a1 r\u1ee7i ro ngay t\u1eeb khi quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 . Khi n\u00e0o c\u00f3 \u0111\u01a1n t\u1eeb t\u1ed1 c\u00e1o, khi n\u00e0o c\u01a1 quan ch\u1ee9c n\u0103ng xem x\u00e9t x\u1eed l\u00fd th\u00ec vi ph\u1ea1m \u0111\u1ebfn \u0111\u00e2u th\u00ec x\u1eed l\u00fd \u0111\u1ea5y. C\u00f3 r\u1ea5t nhi\u1ec1u \u1ee9ng d\u1ee5ng Fintech\u00a0\u0111ang ho\u1ea1t \u0111\u1ed9ng, m\u1ed9t s\u1ed1 \u0111\u01b0\u1ee3c ph\u00e9p nh\u01b0ng c\u0169ng c\u00f3 nhi\u1ec1u \u1ee9ng d\u1ee5ng\u00a0kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p. C\u00e1i kh\u00f3 nh\u1ea5t l\u00e0 ng\u01b0\u1eddi d\u00e2n\u00a0kh\u00f4ng ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c. K\u1ec3 c\u1ea3 nh\u1eefng \u1ee9ng d\u1ee5ng\u00a0\u0111\u01b0\u1ee3c ph\u00e9p\u00a0c\u0169ng s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng theo c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty \u0111ang l\u00e0m nh\u01b0 l\u00e0m \u0111\u01a1n v\u1ecb trung gian thanh to\u00e1n.<\/p>\n

Hi\u1ec7n nay, c\u00f3 th\u1ec3 n\u00f3i l\u00e0 g\u1ea7n nh\u01b0 kh\u00f3 c\u00f3 ai ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c \u0111\u00e2u l\u00e0 \u0111\u00fang, \u0111\u00e2u l\u00e0 sai, \u0111\u00e2u l\u00e0 th\u1eadt \u0111\u00e2u l\u00e0 gi\u1ea3, \u0111\u00e2u l\u00e0 \u0111\u01b0\u1ee3c ph\u00e9p, \u0111\u00e2u l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p. Ch\u00ednh v\u00ec l\u1ebd \u0111\u00f3, nhi\u1ec1u ng\u01b0\u1eddi v\u1eabn\u00a0tham gia c\u00e1c giao d\u1ecbch l\u00e0 l\u00e0m t\u0103ng nguy c\u01a1 r\u1ee7i ro cho b\u1ea3n th\u00e2n khi quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0.<\/p>\n

Nhi\u1ec1u lo\u1ea1i dich v\u1ee5 \u0111\u1ea7u t\u01b0\u00a0\u0111ang\u00a0qu\u1ea3ng c\u00e1o,\u00a0\u0111\u01b0a ra \u0111\u1ee7 th\u00f4ng tin \u0111\u1ec3 d\u1eabn d\u1ee5, \u0111\u1ec3 t\u1ea1o d\u1ef1ng ni\u1ec1m tin cho kh\u00e1ch h\u00e0ng. Ng\u01b0\u1eddi d\u00f9ng n\u1ebfu\u00a0kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u00e2u l\u00e0 th\u1eadt, b\u1ea5t ch\u1ea5p\u00a0tham gia \u0111\u1ea7u t\u01b0, s\u1ebd\u00a0ph\u1ea3i t\u1ef1 ch\u1ecbu khi c\u00f3 r\u1ee7i ro x\u1ea3y ra.<\/p>\n

PV:\u00a0<\/strong>\u0110\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0, cho vay ngang h\u00e0ng (P2P Lending) hi\u1ec7n ch\u01b0a c\u00f3 khung ph\u00e1p l\u00fd ho\u00e0n thi\u1ec7n nh\u01b0ng nhi\u1ec1u c\u00f4ng ty \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng t\u1eeb l\u00e2u. \u00d4ng c\u00f3 khuy\u1ebfn c\u00e1o g\u00ec \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0?\u00a0<\/em><\/h5>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/strong>\u00a0Cho vay ngang h\u00e0ng hay c\u00f2n \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn l\u00e0 P2P Lending tr\u00ean th\u1ef1c t\u1ebf hi\u1ec7n hay l\u00e0 h\u00e0nh vi h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7 nh\u01b0ng c\u00e1i kh\u00f3 l\u00e0 kh\u00f4ng ai bi\u1ebft \u1edf trong l\u00e0 c\u00e1i g\u00ec. \u0110\u01a1n gi\u1ea3n m\u1ed9t v\u00ed d\u1ee5, t\u00f4i cho ng\u01b0\u1eddi n\u00e0y hay ng\u01b0\u1eddi kia vay c\u1ee7a ng\u01b0\u1eddi kh\u00e1c th\u00ec c\u00f3 ch\u1ed7 n\u00e0o b\u1ea3o kh\u00f4ng h\u1ee3p ph\u00e1p.<\/p>\n

\u0110\u1ed1i v\u1edbi\u00a0nh\u1eefng \u1ee9ng d\u1ee5ng trung gian, h\u1ecd\u00a0\u0111ang\u00a0\u0111\u1ee9ng hai vai. H\u1ecd l\u00e0 ng\u01b0\u1eddi \u0111i huy \u0111\u1ed9ng ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi n\u00e0y \u0111\u1ec3 cho ng\u01b0\u1eddi kh\u00e1c\u00a0vay v\u1edbi t\u01b0 c\u00e1ch trung gian. N\u1ebfu h\u1ecd ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng s\u1ebd l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n

M\u1eb7c d\u00f9 l\u00e0 tr\u00ean th\u1ef1c t\u1ebf, sau khi \u0111\u1ea7u t\u01b0 v\u00e0o \u1ee9ng d\u1ee5ng Fintech, th\u00f4ng qua \u1ee9ng d\u1ee5ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3\u00a0theo d\u00f5i \u0111\u01b0\u1ee3c h\u1ebft, l\u00e0 ai cho ai vay bao nhi\u00eau, ng\u00e0y n\u00e0o vay, ng\u00e0y n\u00e0o tr\u1ea3 l\u00e3i su\u1ea5t th\u1ebf n\u00e0o. Tuy nhi\u00ean \u0111\u00f3 ch\u1ec9 l\u00e0 minh ho\u1ea1 ch\u1ee9 th\u1ef1c ch\u1ea5t kh\u00f4ng ph\u1ea3i nh\u01b0 th\u1ebf. B\u1edfi l\u1ebd, vi\u1ec7c cho vay qua \u1ee9ng d\u1ee5ng Fintech kh\u00f4ng c\u00f3 c\u00e1i g\u00ec c\u1ee5 th\u1ec3\u00a0\u0111\u1ec3 ch\u1ee9ng minh. Nh\u01b0\u00a0Ng\u00e2n h\u00e0ng, v\u1edbi nh\u1eefng quy \u0111\u1ecbnh\u00a0ch\u1eb7t ch\u1ebd v\u1eabn x\u1ea3y ra\u00a0r\u1ee7i ro, n\u1ee3 x\u1ea5u l\u00e0 m\u1ea5t v\u1ed1n th\u00ec c\u00e1c \u1ee9ng d\u1ee5ng Fintech nguy c\u01a1 n\u00e0y c\u00f2n cao h\u01a1n.<\/p>\n

PV:\u00a0<\/em><\/strong>Tr\u00e1ch nhi\u1ec7m thu\u1ed9c v\u1ec1 c\u01a1 quan qu\u1ea3n l\u00fd n\u00e0o\u00a0khi \u0111\u1ec3 c\u00e1c c\u00f4ng ty\u00a0P2P Lending ho\u1ea1t \u0111\u1ed9ng r\u1ea7m r\u1ed9 nh\u01b0 v\u1eady?<\/em><\/h5>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>:<\/strong>\u00a0Hi\u1ec7n t\u1ea1i, c\u00f3 m\u1ed9t th\u1ef1c t\u1ebf \u0111ang di\u1ec5n ra \u0111\u00f3 l\u00e0, tr\u01b0\u1edbc m\u1ed9t\u00a0hi\u1ec7n t\u01b0\u1ee3ng x\u1ea3y ra qu\u00e1 l\u00e2u, qu\u00e1 ph\u1ed5 bi\u1ebfn, qu\u00e1 nguy c\u01a1 nh\u01b0ng\u00a0kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt\u00a0n\u00e0o quy \u0111\u1ecbnh\u00a0d\u00f9 ch\u1ec9 l\u00e0 t\u1ea1m th\u1eddi.<\/p>\n

\u0110\u1ebfn hi\u1ec7n t\u1ea1i,\u00a0g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 m\u1ed9t v\u0103n b\u1ea3n n\u00e0o. \u0110\u1ed1i v\u1edbi nh\u1eefng ho\u1ea1t \u0111\u1ed9ng n\u00eau tr\u00ean,\u00a0ph\u1ea3i c\u00f3 v\u0103n b\u1ea3n \u0111i\u1ec1u ch\u1ec9nh, c\u00e1i n\u00e0o \u0111\u01b0\u1ee3c c\u00e1i n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c, c\u00e1i n\u00e0o cho, c\u00e1i n\u00e0o kh\u00f4ng cho v\u00e0 cho th\u1ebf n\u00e0o, \u0111\u01b0\u1ee3c th\u1ebf n\u00e0o \u0111\u1ec3 ng\u01b0\u1eddi ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c \u0111\u00f3 c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd, nh\u00e0 \u0111\u1ea7u t\u01b0\u00a0\u0111i vay hay cho vay, c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 qu\u1ea3n l\u00fd.<\/p>\n

Cho n\u00ean, c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n\u00a0nhanh ch\u00f3ng c\u00f3 v\u0103n b\u1ea3n d\u00f9 l\u00e0 t\u1ea1m th\u1eddi hay s\u01a1 khai v\u1ec1 ho\u1ea1t \u0111\u1ed9ng P2P Lending\u00a0\u0111\u1ec3 qu\u1ea3n l\u00fd. B\u1edfi, P2P Lending\u00a0kh\u00f4ng gi\u1ed1ng b\u1ea5t c\u1ee9 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng n\u00e0o c\u1ea3. N\u00f3 kh\u00f4ng ph\u1ea3i ho\u1ea1t \u0111\u1ed9ng mua h\u00e0ng, kh\u00f4ng ph\u1ea3i ho\u1ea1t \u0111\u1ed9ng cho vay c\u00e1 nh\u00e2n d\u00e2n s\u1ef1. N\u00f3 l\u00e0 m\u1ed9t th\u1ee9 li\u00ean quan \u0111\u1ebfn s\u1ed1 \u0111\u00f4ng c\u00f4ng nh\u1eadn, ph\u1ee9c t\u1ea1p, d\u1ec5 l\u1ee3i d\u1ee5ng, tr\u1ee5c l\u1ee3i, \u0111\u1ed5 v\u1ee1. Th\u1eadm ch\u00ed l\u00e2y lan sang l\u0129nh v\u1ef1c kh\u00e1c.<\/p>\n

<\/h6>\n

Tr\u01b0\u1edbc \u0111\u00f3, B\u00e1o \u0110\u1ea1i bi\u1ec3u Nh\u00e2n d\u00e2n \u0111\u00e3 ph\u1ea3n \u00e1nh v\u1ec1 vi\u1ec7c, C\u00f4ng ty CP Lendbiz Capital \u0111\u01b0\u1ee3c qu\u1ea3ng c\u00e1o l\u00e0 C\u00f4ng ty h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam trong l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 ngang h\u00e0ng (P2P Lending) gi\u00fap k\u1ebft n\u1ed1i gi\u1eefa c\u00e1c Doanh nghi\u1ec7p, H\u1ed9 kinh doanh v\u1edbi c\u1ed9ng \u0111\u1ed3ng c\u00e1c Nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

Doanh nghi\u1ec7p n\u00e0y cho ra \u0111\u1eddi \u1ee9ng d\u1ee5ng\u00a0\u0111\u1ea7u t\u01b0 t\u00ean 3GANG v\u1edbi nh\u1eefng qu\u1ea3ng c\u00e1o “cam k\u1ebft sinh l\u1eddi m\u1ed7i ng\u00e0y, l\u00e3i su\u1ea5t cao h\u01a1n ng\u00e2n h\u00e0ng” nh\u1eb1m “h\u00fat” ti\u1ec1n t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0, v\u1edbi m\u1ee9c \u0111\u1ea7u t\u01b0 nh\u1ecf t\u1edbi 30.000 \u0111\u1ed3ng.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, Finhay l\u00e0 \u1ee9ng d\u1ee5ng Fintech \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n b\u1edfi C\u00f4ng ty C\u1ed5 ph\u1ea7n Finhay Vi\u1ec7t Nam. \u1ee8ng d\u1ee5ng gi\u00fap k\u1ebft n\u1ed1i nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1edbi c\u00e1c k\u00eanh t\u00e0i ch\u00ednh, c\u00e1c k\u00eanh n\u00e0y \u0111\u1ea7u t\u01b0, \u0111\u01b0a ra cam k\u1ebft sinh l\u1eddi v\u00e0 chuy\u1ec3n l\u1ee3i nhu\u1eadn cho kh\u00e1ch h\u00e0ng ch\u1ec9 v\u1edbi s\u1ed1 ti\u1ec1n n\u1ea1p ch\u1ec9 t\u1eeb 50.000 \u0111\u1ed3ng.<\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd, \u0111i\u1ec3m chung c\u1ee7a c\u1ea3 2 c\u00f4ng ty n\u00e0y l\u00e0 \u0111\u1ec1u c\u00f3 ho\u1ea1t \u0111\u1ed9ng kinh doanh thua l\u1ed7. C\u1ee5 th\u1ec3, C\u00f4ng ty CP Lendbiz Capital li\u00ean t\u1ee5c b\u00e1o l\u1ed7 sau thu\u1ebf h\u00e0ng tr\u0103m\u00a0tri\u1ec7u \u0111\u1ed3ng,\u00a0Finhay b\u00e1o l\u1ed7 trong 5 n\u0103m li\u00ean ti\u1ebfp t\u1eeb 2017 \u0111\u1ebfn 2021.<\/p>\n

Tr\u01b0\u1edbc th\u1ef1c tr\u1ea1ng kinh doanh li\u00ean ti\u1ebfp thua l\u1ed7, n\u1ee3 cao g\u1ea5p nhi\u1ec1u l\u1ea7n v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu, nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 b\u0103n kho\u0103n li\u1ec7u Lendbiz v\u00e0 Finhay c\u00f3 \u0111\u1ee7 “s\u1ee9c kh\u1ecfe” \u0111\u1ec3 th\u1ef1c hi\u1ec7n cam k\u1ebft “sinh l\u1eddi” nh\u01b0 qu\u1ea3ng c\u00e1o c\u1ee7a m\u00ecnh\u00a0hay kh\u00f4ng? V\u00e0 n\u1ebfu x\u1ea3y ra r\u1ee7i ro, l\u1ea5y g\u00ec l\u00e0m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m?<\/p>\n

L\u00fd Y\u00ean (th\u1ef1c hi\u1ec7n)<\/strong><\/h5>\n

—————<\/p>\n

\u0110\u1ea1i bi\u1ec3u Nh\u00e2n d\u00e2n (T\u00e0i ch\u00ednh) 20-3-2023:<\/em><\/strong><\/p>\n

https:\/\/daibieunhandan.vn\/tai-chinh-doanh-nghiep\/gui-tien-vao-ung-dung-fintech-khach-hang-co-nguy-co-trang-tay-i319089\/<\/a><\/em><\/p>\n

\u00a0<\/em>(1.243\/1.529) #P2P #Fintech<\/em><\/p>\n

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

G\u1eedi ti\u1ec1n v\u00e0o \u1ee9ng d\u1ee5ng Fintech: Kh\u00e1ch h\u00e0ng c\u00f3 nguy c\u01a1 “tr\u1eafng tay” (\u0110BND) – Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, c\u00f3 r\u1ea5t nhi\u1ec1u \u1ee9ng d\u1ee5ng Fintech (c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh) \u0111ang ho\u1ea1t \u0111\u1ed9ng, m\u1ed9t s\u1ed1 \u0111\u01b0\u1ee3c ph\u00e9p nh\u01b0ng c\u0169ng c\u00f3 nhi\u1ec1u \u1ee9ng d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p. C\u00e1i kh\u00f3 nh\u1ea5t l\u00e0 ng\u01b0\u1eddi d\u00e2n kh\u00f4ng ph\u00e2n […]<\/p>\n","protected":false},"author":2,"featured_media":36441,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[36,43],"class_list":["post-36407","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-ngan-hang","tag-luat-su-thuong-mai-dien-tu"],"acf":[],"yoast_head":"\n4.009. 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G\u1eedi ti\u1ec1n v\u00e0o \u1ee9ng d\u1ee5ng Fintech: Kh\u00e1ch h\u00e0ng c\u00f3 nguy c\u01a1 "tr\u1eafng tay"[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"G\u1eedi ti\u1ec1n v\u00e0o \u1ee9ng d\u1ee5ng: Kh\u00e1ch h\u00e0ng c\u00f3 nguy c\u01a1 "tr\u1eafng tay" | C\u00e1i kh\u00f3 nh\u1ea5t l\u00e0 ng\u01b0\u1eddi d\u00e2n kh\u00f4ng ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c app n\u00e0o c\u00f3 ph\u00e9p, app n\u00e0o kh\u00f4ng?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/4-009-gui-tien-vao-ung-dung-fintech-khach-hang-co-nguy-co-trang-tay\/\" \/>\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=\"2023-03-20T04:12:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-29T04:40:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/z4206806822252_65c0643ed9185bbfa2e6d9dce0eec2f1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"867\" \/>\n\t<meta property=\"og:image:height\" content=\"637\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\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=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-009-gui-tien-vao-ung-dung-fintech-khach-hang-co-nguy-co-trang-tay\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/4-009-gui-tien-vao-ung-dung-fintech-khach-hang-co-nguy-co-trang-tay\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"4.009. 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