{"id":36824,"date":"2023-04-25T20:22:58","date_gmt":"2023-04-25T13:22:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36824"},"modified":"2024-11-27T16:21:01","modified_gmt":"2024-11-27T09:21:01","slug":"3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/","title":{"rendered":"3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng “t\u00edn d\u1ee5ng \u0111en”"},"content":{"rendered":"

\u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng “t\u00edn d\u1ee5ng \u0111en”<\/span><\/h4>\n

(TCDN) – Ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang ng\u00e0y c\u00e0ng tr\u1edf th\u00e0nh k\u00eanh d\u1eabn v\u1ed1n quan tr\u1ecdng cho ng\u01b0\u1eddi y\u1ebfu th\u1ebf. Tuy nhi\u00ean, ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111ang g\u1eb7p nhi\u1ec1u v\u1ea5n \u0111\u1ec1 \u0111\u1eb7c bi\u1ec7t li\u00ean quan \u0111\u1ebfn thu h\u1ed3i n\u1ee3. Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng c\u1ea7n c\u00f3 m\u1ed9t lu\u1eadt ri\u00eang trong l\u0129nh v\u1ef1c n\u00e0y v\u1eeba b\u1ea3o v\u1ec7 c\u00f4ng ty t\u00e0i ch\u00ednh v\u1eeba b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng.<\/strong><\/p>\n

\u0110\u01b0a ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 v\u00e0o qu\u1ea3n l\u00fd<\/strong><\/h5>\n

Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng cho bi\u1ebft, hi\u1ec7n nay tham gia cho vay ph\u1ee5c v\u1ee5 ti\u00eau d\u00f9ng v\u00e0 ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng\u00a0 ngo\u00e0i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i… c\u00f2n c\u00f3 c\u00e1c qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 v\u00e0 c\u00e1c\u00a0c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng\u00a0\u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p, ngo\u00e0i ra c\u00f2n c\u00f3 c\u00e1c c\u00f4ng ty fintech, c\u00e1c c\u00f4ng ty cho vay c\u1ea7m \u0111\u1ed3, c\u00e1c c\u00f4ng ty l\u1ea5y t\u00ean l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh\u2026 c\u0169ng tham gia cho vay ti\u00eau d\u00f9ng song ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt D\u00e2n s\u1ef1, Lu\u1eadt Doanh nghi\u1ec7p.<\/p>\n

\"x\u00e2y

(\u1ea2nh minh h\u1ecda)<\/p><\/div>\n

Theo \u00f4ng L\u00ea Xu\u00e2n \u0110\u1ed3ng, Gi\u00e1m \u0111\u1ed1c \u0110i\u1ec1u h\u00e0nh, Kh\u1ed1i D\u1ecbch v\u1ee5 Nghi\u00ean c\u1ee9u Th\u1ecb tr\u01b0\u1eddng v\u00e0 T\u01b0 v\u1ea5n, FiinGroup, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng phi ch\u00ednh th\u1ee9c (tu\u00e2n theo c\u00e1c quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015) g\u1ed3m: D\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3, P2P, c\u00e1c apps cho vay tr\u1ef1c tuy\u1ebfn, BNPL \u2013 g\u1ed3m: C\u00e1c chu\u1ed7i c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 v\u00e0 c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3 nh\u1ecf l\u1ebb, C\u00e1c c\u00f4ng ty cho vay ngang h\u00e0ng (P2P lenders), C\u00e1c c\u00f4ng ty cho vay trong ng\u00e0y, c\u00e1c apps cho vay (Payday lenders) v\u00e0 C\u00e1c c\u00f4ng ty Fintech cung c\u1ea5p d\u1ecbch v\u1ee5 mua tr\u01b0\u1edbc tr\u1ea3 sau (Buy Now Pay Later – BNPL). Chu\u1ed7i c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3: \u0110\u01b0\u1ee3c c\u1ea5p ph\u00e9p cung c\u1ea5p c\u00e1c kho\u1ea3n vay c\u1ea7m c\u1ed1, c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o nh\u01b0 F88, T99, Tima, Vietmoney, HappyMoney\u2026<\/p>\n

\u00d4ng \u0110\u1ed3ng nh\u1ea5n m\u1ea1nh, ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay truy\u1ec1n th\u1ed1ng t\u1ed3n t\u1ea1i 100 n\u0103m nay, ph\u1ed5 bi\u1ebfn \u1edf nhi\u1ec1u qu\u1ed1c gia. V\u1ea5n \u0111\u1ec1 ch\u00fang ta ph\u1ea3i \u0111\u01b0a v\u00e0o khu\u00f4n kh\u1ed5 \u0111\u1ec3 qu\u1ea3n l\u00fd. Kh\u00e1ch h\u00e0ng c\u00f3 c\u00f3 nhu c\u1ea7u, th\u00ec ho\u1ea1t \u0111\u1ed9ng n\u00e0y s\u1ebd c\u00f2n t\u1ed3n t\u1ea1i b\u1edfi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u c\u1ee7a c\u00e1c c\u00f4ng ty ch\u00ednh th\u1ed1ng v\u1ea5n \u0111\u1ec1 c\u1ee7a c\u1ea7m \u0111\u1ed3 l\u00e0 v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 thu h\u1ed3i n\u1ee3. L\u00e3i su\u1ea5t \u0111ang ho\u1ea1t \u0111\u1ed9ng theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

Hi\u1ec7n t\u1ea1i, theo \u00f4ng \u0110\u1ed3ng, m\u1ee9c l\u00e3i su\u1ea5t t\u1ea1i quy \u0111\u1ecbnh 20%, kh\u00f4ng quy \u0111\u1ecbnh m\u1ee9c ph\u00ed, \u0111\u00e2y ch\u00ednh l\u00e0 k\u1ebd h\u1edf. H\u1ecd t\u00ednh m\u1ee9c ph\u00ed v\u00e0i tr\u0103m % th\u00ec ng\u01b0\u1eddi vay sao ch\u1ecbu \u0111\u01b0\u1ee3c. Ch\u00fang t\u00f4i c\u00f3 tham kh\u1ea3o, ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 \u1edf c\u00e1c n\u01b0\u1edbc kh\u00e1c \u0111\u1ec1u c\u00f3 m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t, h\u1ea1n ch\u1ebf t\u00e1c \u0111\u1ed9ng cho ng\u01b0\u1eddi y\u1ebfu th\u1ebf. C\u00f2n v\u1ec1 thu h\u1ed3i n\u1ee3, ho\u1ea1t \u0111\u1ed9ng c\u1ea7m \u0111\u1ed3 l\u00e0 c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o nh\u01b0ng th\u1ef1c t\u1ebf, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a chu\u1ed7i c\u1ea7m \u0111\u1ed3, th\u1eadm ch\u00ed l\u00e0 c\u00f4ng ty c\u1ea7m \u0111\u1ed3 l\u1edbn th\u00ec t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o l\u00e0 t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n, c\u00e0 v\u1eb9t \u0111\u0103ng k\u00fd xe. B\u1ea3n ch\u1ea5t ch\u00fang ta kh\u00f4ng c\u1ea7m t\u00e0i s\u1ea3n g\u00ec c\u1ea3.<\/p>\n

\u201cDo \u0111\u00f3, \u0111\u00e2y l\u00e0 \u0111i\u1ec3m y\u1ebfu d\u1eabn \u0111\u1ebfn h\u1ecd \u0111i \u0111\u00f2i n\u1ee3 c\u1ef1c \u0111o\u1ea1n. Ch\u00fang t\u00f4i \u0111\u1ec1 xu\u1ea5t n\u00ean xem x\u00e9t \u0111\u01b0a ho\u1ea1t \u0111\u1ed9ng thu h\u1ed3i n\u1ee3 th\u00e0nh ho\u1ea1t \u0111\u1ed9ng chuy\u00ean nghi\u1ec7p ch\u00ednh th\u1ee9c. V\u00ec v\u1eady, c\u1ea7n c\u00f3 khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y. M\u1ed9t \u0111\u1ec1 xu\u1ea5t n\u1eefa l\u00e0 x\u00e2y d\u1ef1ng khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd cho c\u1ea3 ho\u1ea1t \u0111\u1ed9ng \u0111\u00f2i n\u1ee3 cho t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c phi ch\u00ednh th\u1ee9c. Hi\u1ec7n t\u1ea1i, v\u1ec1 lu\u1eadt quy \u0111\u1ecbnh r\u1ea5t s\u01a1 s\u00e0i, \u0111o\u1ea1t \u0111\u1ed9ng cho vay t\u00e0i s\u1ea3n c\u0169ng nh\u01b0 v\u1eady\u201d, \u00f4ng \u0110\u1ed3ng ki\u1ebfn ngh\u1ecb.<\/p>\n

Trong khi \u0111\u00f3, theo 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>\u00a0t\u00edn d\u1ee5ng c\u1ea7m \u0111\u1ed3 c\u0169ng l\u00e0 ch\u00ednh th\u1ed1ng b\u1edfi h\u1ecd ho\u1ea1t \u0111\u1ed9ng theo s\u1ef1 cho ph\u00e9p c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc.<\/em><\/h5>\n

\u201cV\u1ea5n \u0111\u1ec1 ch\u00fang ta c\u1ea7n \u0111\u1eb7t ra \u1edf \u0111\u00e2y l\u00e0 c\u00e1c doanh nghi\u1ec7p ti\u00eau d\u00f9ng c\u0169ng nh\u01b0 d\u1ecbch v\u1ee5 cho vay c\u1ea7m \u0111\u1ed3 g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c cho vay, l\u00e0 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t ph\u00ed, c\u0169ng nh\u01b0 thu h\u1ed3i n\u1ee3 th\u00ec c\u1ea7n nh\u00ecn nh\u1eadn vi\u1ec7c qu\u1ea3n l\u00fd nh\u01b0 th\u1ebf n\u00e0o, h\u00e0nh lang ph\u00e1p l\u00fd cho c\u00e1c m\u00f4 h\u00ecnh \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n hay ch\u01b0a. C\u00e1i kh\u00f3 nh\u1ea5t trong t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 \u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p th\u00ec ch\u00fang ta c\u1ea7n nghi\u00ean c\u1ee9u \u0111\u1ec3 c\u00f3 gi\u1ea3i ph\u00e1p. Trong \u0111\u00f3, ph\u1ea3i chuy\u00ean nghi\u1ec7p h\u00f3a trong vi\u1ec7c \u0111\u00f2i n\u1ee3 v\u00e0 c\u1ea7n c\u00f3 \u0111\u1ea1o lu\u1eadt x\u1eed l\u00fd n\u1ee3 x\u1ea5u \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Thu h\u1ed3i n\u1ee3 th\u1ebf n\u00e0o?<\/strong><\/h5>\n

\u00d4ng Phan \u0110\u1ee9c Hi\u1ebfu, \u1ee6y vi\u00ean Th\u01b0\u1eddng tr\u1ef1c \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i.<\/em><\/p>\n

PGS-TS. Ho\u00e0ng Xu\u00e2n Qu\u1ebf, Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Ng\u00e2n h\u00e0ng – T\u00e0i ch\u00ednh, Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf qu\u1ed1c d\u00e2n cho r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f2n khi\u00eam t\u1ed1n. Nguy\u00ean nh\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t m\u00e0 \u1edf \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n, ti\u1ebfp c\u1eadn v\u1ed1n. Nh\u1eefng t\u1ed5 ch\u1ee9c kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p th\u1ecfa m\u00e3n nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi y\u1ebfu th\u1ebf khi h\u1ecd kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n \u0111\u00f3 t\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p.<\/p>\n

Do v\u1eady, theo \u00f4ng Ho\u00e0ng Xu\u00e2n Qu\u1ebf, c\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n xem x\u00e9t v\u1ec1 h\u00ecnh th\u1ee9c t\u1ed5 ch\u1ee9c \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n khi h\u1ecd c\u1ea7n ti\u1ec1n \u0111\u1ec3 x\u1eed l\u00fd v\u1ea5n \u0111\u1ec1 c\u1ea5p thi\u1ebft.<\/p>\n

Li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng thu h\u1ed3i n\u1ee3, \u00f4ng Qu\u1ebf kh\u1eb3ng \u0111\u1ecbnh, ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m \u0111\u00f2i n\u1ee3, ch\u1ec9 c\u1ea5m h\u00ecnh th\u1ee9c \u0111\u00f2i n\u1ee3 kh\u00f4ng h\u1ee3p ph\u00e1p nh\u01b0 kh\u1ee7ng b\u1ed1, x\u00e3 h\u1ed9i \u0111en. V\u00ec v\u1eady c\u1ea7n thi\u1ebft ph\u1ea3i c\u00f3 s\u1ef1 tham gia c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc, h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt ph\u1ea3i \u0111\u1ed3ng b\u1ed9 t\u1eeb vi\u1ec7c x\u1eed l\u00fd n\u1ee3, c\u00f3 ch\u1ebf t\u00e0i r\u00f5 r\u00e0ng vi\u1ec7c thi h\u00e0nh \u00e1n c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u00f9ng n\u1ee3.<\/p>\n

Theo \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu, \u1ee6y vi\u00ean Th\u01b0\u1eddng tr\u1ef1c \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i, Chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, kh\u00f4ng ph\u1ea3i Ch\u00ednh ph\u1ee7 ch\u01b0a nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c m\u00e0 \u0111\u00e3 nh\u1eadn th\u1ee9c r\u1ea5t s\u00e2u s\u1eafc khi thi\u1ebft k\u1ebf Chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n t\u1ea7m nh\u00ecn \u0111\u1ebfn 2025 v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn 2030 v\u1edbi nhi\u1ec7m v\u1ee5 ch\u00ednh l\u00e0 \u0111\u1ea3m b\u1ea3o c\u00f4ng b\u1eb1ng, to\u00e0n di\u1ec7n, b\u1ea3o v\u1ec7 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a c\u1ea3 ng\u01b0\u1eddi \u0111i vay v\u00e0 cho vay. V\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t hi\u1ec7n nay l\u00e0 thi h\u00e0nh nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n

\u00d4ng Hi\u1ebfu cho r\u1eb1ng, hi\u1ec7n nay c\u00f3 3 v\u1ea5n \u0111\u1ec1 n\u1ed5i l\u00ean l\u00e0 thi\u1ebfu khung ph\u00e1p l\u00fd; th\u1ef1c thi, n\u1ebfu th\u1ef1c thi c\u00f3 hi\u1ec7u qu\u1ea3 quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh \u0111\u00e3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c ph\u1ea7n l\u1edbn hi\u1ec7n tr\u1ea1ng; th\u1ee9 3 l\u00e0 s\u1ef1 c\u00f4ng b\u1eb1ng – m\u1ed9t m\u00f4i tr\u01b0\u1eddng kinh doanh c\u00f4ng b\u1eb1ng, hi\u1ec7u qu\u1ea3 cho c\u00e1c ch\u1ee7 th\u1ec3 kh\u00e1c nhau (t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c), c\u1ea7n m\u00f4i tr\u01b0\u1eddng c\u1ea1nh tranh, c\u00f4ng b\u1eb1ng, minh b\u1ea1ch.<\/p>\n

Theo \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu, v\u1ec1 l\u00e2u d\u00e0i c\u00f3 th\u1ec3 h\u01b0\u1edbng \u0111\u1ebfn \u0111\u1ea1o lu\u1eadt ho\u1eb7c quy \u0111\u1ecbnh ri\u00eang cho l\u0129nh v\u1ef1c \u0111\u00f2i n\u1ee3. Tuy nhi\u00ean \u0111\u00f3 l\u00e0 m\u1ed9t vi\u1ec7c c\u1ea7n th\u1eddi gian v\u00e0 xem x\u00e9t t\u00ednh kh\u1ea3 thi. Do \u0111\u00f3, trong ng\u1eafn h\u1ea1n, \u00f4ng Hi\u1ebfu cho r\u1eb1ng, hai v\u1ea5n \u0111\u1ec1 c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 x\u1eed l\u00fd n\u1ee3 x\u1ea5u c\u00f3 th\u1ec3 ki\u1ebfn ngh\u1ecb v\u00e0 \u0111\u01b0a v\u00e0o trong d\u1ef1 th\u1ea3o Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eeda \u0111\u1ed5i.<\/p>\n

Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng ki\u1ebfn ngh\u1ecb\u00a0Ch\u00ednh ph\u1ee7 ti\u1ebfp t\u1ee5c ch\u1ec9 \u0111\u1ea1o c\u00e1c B\u1ed9, ng\u00e0nh, UBND t\u1ec9nh, th\u00e0nh ph\u1ed1 th\u1ef1c hi\u1ec7n Ch\u1ec9 th\u1ecb 12\/CT-TTg ng\u00e0y 25\/4\/2019 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 t\u0103ng c\u01b0\u1eddng ph\u00f2ng ng\u1eeba, \u0111\u1ea5u tranh v\u1edbi t\u1ed9i ph\u1ea1m v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d, trong \u0111\u00f3, \u0111\u01b0a c\u00f4ng t\u00e1c truy\u1ec1n th\u00f4ng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng.<\/p>\n

Ch\u1ec9 \u0111\u1ea1o c\u00e1c B\u1ed9, ng\u00e0nh ph\u1ed1i h\u1ee3p \u0111\u1ec3 th\u1ef1c hi\u1ec7n t\u1ed1t c\u00e1c ch\u00ednh s\u00e1ch v\u1ec1 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, ph\u00e1t tri\u1ec3n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, ph\u1ed1i h\u1ee3p \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c g\u00f3i h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t cho n\u00f4ng d\u00e2n, c\u00f4ng nh\u00e2n v\u00e0 ng\u01b0\u1eddi d\u00e2n lao \u0111\u1ed9ng c\u00f3 thu nh\u1eadp th\u1ea5p; ti\u1ebfp t\u1ee5c si\u1ebft ch\u1eb7t, ki\u1ec3m tra v\u00e0 x\u1eed l\u00fd c\u00e1c doanh nghi\u1ec7p c\u00f3 ho\u1ea1t \u0111\u1ed9ng cho vay, thu h\u1ed3i n\u1ee3 kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n

Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng \u0111\u1ec1 ngh\u1ecb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd, x\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch, c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd ri\u00eang theo \u0111\u1eb7c th\u00f9 ng\u00e0nh \u0111\u1ed1i v\u1edbi m\u1ea3ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. T\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 m\u00f4i tr\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng th\u00f4ng tho\u00e1ng, an to\u00e0n v\u00e0 tu\u00e2n th\u1ee7 \u0111\u1ec3 c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd h\u01a1n trong t\u01b0\u01a1ng lai.<\/p>\n

Huy\u1ec1n Ch\u00e2u<\/strong><\/h5>\n

———-<\/em><\/p>\n

T\u00e0i<\/em><\/strong> ch\u00ednh Doanh nghi\u1ec7p <\/em><\/strong>(T\u00e0i<\/em><\/strong> ch\u00ednh<\/em><\/strong>) ng\u00e0y <\/em><\/strong>25-4<\/em><\/strong>-202<\/em><\/strong>3<\/em><\/strong>:<\/em><\/strong><\/p>\n

https:\/\/taichinhdoanhnghiep.net.vn\/de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den-d38581.html<\/a><\/em><\/p>\n

(<\/em>149\/1.493<\/em>) #TCTD #TDTD<\/em>","protected":false},"excerpt":{"rendered":"

\u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng “t\u00edn d\u1ee5ng \u0111en” (TCDN) – Ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang ng\u00e0y c\u00e0ng tr\u1edf th\u00e0nh k\u00eanh d\u1eabn v\u1ed1n quan tr\u1ecdng cho ng\u01b0\u1eddi y\u1ebfu th\u1ebf. Tuy nhi\u00ean, ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111ang g\u1eb7p nhi\u1ec1u v\u1ea5n \u0111\u1ec1 \u0111\u1eb7c bi\u1ec7t li\u00ean quan \u0111\u1ebfn thu h\u1ed3i […]<\/p>\n","protected":false},"author":1,"featured_media":36825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[44,36],"class_list":["post-36824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-dau-tu","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng "t\u00edn d\u1ee5ng \u0111en" - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"C\u1ea7n x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng "t\u00edn d\u1ee5ng \u0111en" b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi y\u1ebfu th\u1ebf v\u00e0 tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i\" \/>\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\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng "t\u00edn d\u1ee5ng \u0111en"[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"C\u1ea7n x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng "t\u00edn d\u1ee5ng \u0111en" b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi y\u1ebfu th\u1ebf v\u00e0 tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/\" \/>\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=\"2023-04-25T13:22:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-27T09:21:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-17.png\" \/>\n\t<meta property=\"og:image:width\" content=\"945\" \/>\n\t<meta property=\"og:image:height\" content=\"527\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng “t\u00edn d\u1ee5ng \u0111en”\",\"datePublished\":\"2023-04-25T13:22:58+00:00\",\"dateModified\":\"2024-11-27T09:21:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/\"},\"wordCount\":2312,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/Picture1-17.png\",\"keywords\":[\"Lu\u1eadt s\u01b0 \u0110\u1ea7u t\u01b0\",\"Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng\"],\"articleSection\":[\"Tr\u00edch d\u1eabn\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/\",\"name\":\"[:vi]3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \\\"t\u00edn d\u1ee5ng \u0111en\\\"[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/Picture1-17.png\",\"datePublished\":\"2023-04-25T13:22:58+00:00\",\"dateModified\":\"2024-11-27T09:21:01+00:00\",\"description\":\"C\u1ea7n x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \\\"t\u00edn d\u1ee5ng \u0111en\\\" b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi y\u1ebfu th\u1ebf v\u00e0 tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/Picture1-17.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/Picture1-17.png\",\"width\":945,\"height\":527,\"caption\":\"x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \\\"t\u00edn d\u1ee5ng \u0111en\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"(Ti\u1ebfng Vi\u1ec7t) 3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng “t\u00edn d\u1ee5ng \u0111en”\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\",\"name\":\"administrator\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"caption\":\"administrator\"},\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/administrator\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \"t\u00edn d\u1ee5ng \u0111en\"[:] - ANVI Law Firm","description":"C\u1ea7n x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \"t\u00edn d\u1ee5ng \u0111en\" b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi y\u1ebfu th\u1ebf v\u00e0 tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \"t\u00edn d\u1ee5ng \u0111en\"[:] - ANVI Law Firm","og_description":"C\u1ea7n x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \"t\u00edn d\u1ee5ng \u0111en\" b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi y\u1ebfu th\u1ebf v\u00e0 tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i","og_url":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2023-04-25T13:22:58+00:00","article_modified_time":"2024-11-27T09:21:01+00:00","og_image":[{"width":945,"height":527,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-17.png","type":"image\/png"}],"author":"administrator","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"administrator","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"9 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/"},"author":{"name":"administrator","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b"},"headline":"3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng “t\u00edn d\u1ee5ng \u0111en”","datePublished":"2023-04-25T13:22:58+00:00","dateModified":"2024-11-27T09:21:01+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/"},"wordCount":2312,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-17.png","keywords":["Lu\u1eadt s\u01b0 \u0110\u1ea7u t\u01b0","Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng"],"articleSection":["Tr\u00edch d\u1eabn","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/","url":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/","name":"[:vi]3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \"t\u00edn d\u1ee5ng \u0111en\"[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-17.png","datePublished":"2023-04-25T13:22:58+00:00","dateModified":"2024-11-27T09:21:01+00:00","description":"C\u1ea7n x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \"t\u00edn d\u1ee5ng \u0111en\" b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi y\u1ebfu th\u1ebf v\u00e0 tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i","breadcrumb":{"@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-17.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-17.png","width":945,"height":527,"caption":"x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng \"t\u00edn d\u1ee5ng \u0111en"},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/en\/3-483-de-xuat-xay-dung-luat-voi-linh-vuc-tai-chinh-tieu-dung-chong-tin-dung-den\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"(Ti\u1ebfng Vi\u1ec7t) 3.483. \u0110\u1ec1 xu\u1ea5t x\u00e2y d\u1ef1ng lu\u1eadt v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u1ed1ng “t\u00edn d\u1ee5ng \u0111en”"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b","name":"administrator","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","caption":"administrator"},"url":"https:\/\/anvilaw.com\/vi\/author\/administrator\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/36824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=36824"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/36824\/revisions"}],"predecessor-version":[{"id":44258,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/36824\/revisions\/44258"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/36825"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=36824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=36824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=36824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}