{"id":36855,"date":"2023-04-27T17:05:32","date_gmt":"2023-04-27T10:05:32","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36855"},"modified":"2024-11-27T15:47:10","modified_gmt":"2024-11-27T08:47:10","slug":"3-487-hoan-thien-phap-luat-ve-tai-chinh-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-487-hoan-thien-phap-luat-ve-tai-chinh-tieu-dung\/","title":{"rendered":"3.487. Ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng"},"content":{"rendered":"

Ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng<\/span><\/h4>\n
(PLVN) –\u00a0Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n, n\u1ee3 x\u1ea5u c\u00f3 xu h\u01b0\u1edbng t\u0103ng. Tr\u01b0\u1edbc th\u1ef1c tr\u1ea1ng \u0111\u00f3, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng c\u1ea7n c\u00f3 m\u1ed9t \u0111\u1ea1o lu\u1eadt ri\u00eang cho t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/strong><\/h5>\n
\"Ho\u00e0n

To\u1ea1 \u0111\u00e0m v\u1ec1 gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p><\/div>\n

\u0110\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) c\u1ea5p ph\u00e9p v\u00e0 ngo\u00e0i tu\u00e2n th\u1ee7 Lu\u1eadt Doanh nghi\u1ec7p, Lu\u1eadt \u0110\u1ea7u t\u01b0, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) c\u00f2n ph\u1ea3i tu\u00e2n th\u1ee7 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD), c\u00e1c gi\u1edbi h\u1ea1n \u0111\u1ea3m b\u1ea3o an to\u00e0n ho\u1ea1t \u0111\u1ed9ng v\u00e0 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c c\u1ee7a NHNN.<\/p>\n

Trong khi \u0111\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 CTTC\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 DN, kh\u00f4ng ch\u1ecbu s\u1ef1 chi ph\u1ed1i b\u1edfi Lu\u1eadt C\u00e1c TCTD v\u00e0 kh\u00f4ng ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c t\u1ef7 l\u1ec7 an to\u00e0n theo quy \u0111\u1ecbnh c\u1ee7a NHNN, tuy nhi\u00ean ch\u1ecbu s\u1ef1 ki\u1ec3m tra gi\u00e1m s\u00e1t v\u1ec1 an ninh tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i c\u1ee7a ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 c\u00f4ng an s\u1edf t\u1ea1i.<\/p>\n

S\u1ed1 li\u1ec7u c\u1ee7a NHNN cho bi\u1ebft, \u0111\u1ebfn nay, m\u1edbi c\u00f3 16 CTTC \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng. \u0110\u1ebfn ng\u00e0y 31\/12\/2022 t\u1ed5ng d\u01b0 n\u1ee3 16 c\u00f4ng ty n\u00e0y \u0111\u1ea1t tr\u00ean 220 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm t\u1ef7 l\u1ec7 1,87% s\u1ed1 t\u1ed5ng d\u01b0 n\u1ee3 to\u00e0n n\u1ec1n kinh t\u1ebf v\u00e0 8,5% d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng to\u00e0n h\u1ec7 th\u1ed1ng. M\u1eb7c d\u00f9 chi\u1ebfm t\u1ef7 l\u1ec7 r\u1ea5t nh\u1ecf so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 n\u1ec1n kinh t\u1ebf v\u00e0 d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng to\u00e0n h\u1ec7 th\u1ed1ng song c\u00e1c doanh nghi\u1ec7p n\u00e0y \u0111\u00e3 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c kho\u1ea3ng 30 tri\u1ec7u ng\u01b0\u1eddi ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n vay v\u1edbi d\u01b0 n\u1ee3 b\u00ecnh qu\u00e2n kho\u1ea3ng 35 – 50 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi.<\/p>\n

T\u1ea1i T\u1ecda \u0111\u00e0m “Th\u1ef1c tr\u1ea1ng v\u00e0 gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam” di\u1ec5n ra m\u1edbi \u0111\u00e2y, \u00f4ng L\u00ea Qu\u1ed1c Ninh – Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c CTTC TNHH MB Shinsei (Mcredit) cho bi\u1ebft, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c CTTC ti\u00eau d\u00f9ng do NHNN c\u1ea5p ph\u00e9p g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n, th\u00e1ch th\u1ee9c.<\/p>\n

Th\u1ef1c t\u1ebf, ng\u01b0\u1eddi d\u00e2n kh\u00f3 c\u00f3 th\u1ec3 bi\u1ebft C\u00f4ng ty n\u00e0o \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p v\u00e0 vi\u1ec7c m\u1ed9t s\u1ed1 c\u00f4ng ty kh\u00f4ng thu\u1ed9c c\u00e1c CTTC \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p l\u1ee3i d\u1ee5ng t\u00ean CTTC m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi v\u00e0o c\u00e1c \u0111\u1ecba b\u00e0n kh\u00f3 kh\u0103n ti\u1ebfp c\u1eadn ng\u01b0\u1eddi d\u00e2n cho vay v\u1ed1n l\u00e3i su\u1ea5t r\u1ea5t cao d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c (cho vay nhanh, cho vay ti\u1ec1n m\u1eb7t v\u00e0o b\u1ea5t c\u1ee9 th\u1eddi \u0111i\u1ec3m n\u00e0o, ch\u00e0o l\u00e3i su\u1ea5t vay r\u1ea5t h\u1ea5p d\u1eabn nh\u01b0ng c\u00e0i c\u1eafm c\u00e1c chi ph\u00ed kh\u00e1c r\u1ea5t cao\u2026). \u0110\u1eb7c bi\u1ec7t, vi\u1ec7c m\u1ed9t s\u1ed1 c\u00f4ng ty d\u00f9ng th\u1ee7 \u0111o\u1ea1n manh \u0111\u1ed9ng \u0111\u1ec3 \u00e9p ng\u01b0\u1eddi d\u00e2n tr\u1ea3 ti\u1ec1n \u0111\u00e3 l\u00e0m \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng \u0111\u1ebfn h\u00ecnh \u1ea3nh, uy t\u00edn c\u1ee7a c\u00e1c CTTC, d\u1eabn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n.<\/p>\n

Cho vay \u0111\u00e3 kh\u00f3, vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1c CTTC c\u00e0ng kh\u00f3 h\u01a1n khi Lu\u1eadt \u0110\u1ea7u t\u01b0 2020 c\u1ea5m d\u1ecbch v\u1ee5 \u0111\u00f2i n\u1ee3 thu\u00ea, trong khi c\u01a1 ch\u1ebf kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 hi\u1ec7n kh\u00f3 th\u1ef1c thi v\u00ec th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p, k\u00e9o d\u00e0i, trong khi gi\u00e1 tr\u1ecb m\u1ed7i kho\u1ea3n vay kh\u00f4ng l\u1edbn\u2026 Theo th\u00f4ng tin t\u1eeb \u00f4ng L\u00ea Qu\u1ed1c Ninh, \u0111\u1ebfn 31\/12\/2022, n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c CTTC \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p t\u0103ng 23,09% so v\u1edbi th\u1eddi \u0111i\u1ec3m 31\/12\/2021 v\u00e0 c\u00f3 xu h\u01b0\u1edbng t\u0103ng cao trong th\u1eddi gian t\u1edbi.<\/p>\n

Theo \u00fd ki\u1ebfn c\u00e1c chuy\u00ean gia, kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn vai tr\u00f2 c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, nh\u1ea5t l\u00e0 trong vi\u1ec7c g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d. M\u1ed9t c\u00e2u h\u1ecfi \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1eb7t ra l\u00e0\u201d \u201cL\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 CTTC thu h\u1ed3i n\u1ee3 hi\u1ec7u qu\u1ea3?\u201d<\/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> nh\u00ecn nh\u1eadn, c\u1ea7n thi\u1ebft ph\u1ea3i xem l\u1ea1i lu\u1eadt \u0111\u1ec3 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 thu h\u1ed3i n\u1ee3 cho ph\u00f9 h\u1ee3p. C\u0169ng theo Lu\u1eadt s\u01b0 \u0110\u1ee9c, hi\u1ec7n \u0111ang c\u00f3 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 ch\u01b0a r\u1ea1ch r\u00f2i, r\u00f5 r\u00e0ng. \u201cC\u00f3 \u00fd ki\u1ebfn \u0111\u1eb7t ra v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u00ednh th\u1ed1ng, trong \u0111\u00f3 c\u00f3 16 CTTC ch\u00ednh th\u1ed1ng, do NHNN c\u1ea5p ph\u00e9p nh\u01b0ng quan \u0111i\u1ec3m c\u1ee7a t\u00f4i th\u00ec t\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\u2026\u201d – l\u1eddi Lu\u1eadt s\u01b0.<\/em><\/p>\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 cho bi\u1ebft, d\u1ef1 ki\u1ebfn Ch\u00ednh ph\u1ee7 s\u1ebd tr\u00ecnh Qu\u1ed1c h\u1ed9i Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) v\u00e0o k\u1ef3 h\u1ecdp th\u00e1ng 5 n\u00e0y. Theo \u00f4ng Hi\u1ebfu, Ch\u00ednh ph\u1ee7 \u0111\u00e3 nh\u1eadn th\u1ee9c r\u1ea5t s\u00e2u s\u1eafc Chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n 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.<\/p>\n

\u201cV\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t hi\u1ec7n nay l\u00e0 thi h\u00e0nh nh\u01b0 th\u1ebf n\u00e0o? C\u00f3 3 v\u1ea5n \u0111\u1ec1 n\u1ed5i l\u00ean: M\u1ed9t l\u00e0 thi\u1ebfu khung ph\u00e1p l\u00fd; Hai l\u00e0 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); V\u00e0 ba 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 (TCTD, CTTC v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c)..,\u201d – \u00f4ng Hi\u1ebfu th\u00f4ng tin.<\/p>\n

Thanh Thanh<\/strong><\/h5>\n

———-<\/em><\/p>\n

Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam (Kinh t\u1ebf) ng\u00e0y 27-4-2023:<\/em><\/strong><\/p>\n

https:\/\/baophapluat.vn\/hoan-thien-phap-luat-ve-tai-chinh-tieu-dung-post473818.html<\/a> <\/em><\/p>\n

(99\/949) #TCTD<\/em>","protected":false},"excerpt":{"rendered":"

Ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng (PLVN) –\u00a0Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n, n\u1ee3 x\u1ea5u c\u00f3 xu h\u01b0\u1edbng t\u0103ng. Tr\u01b0\u1edbc th\u1ef1c tr\u1ea1ng \u0111\u00f3, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng c\u1ea7n c\u00f3 m\u1ed9t \u0111\u1ea1o lu\u1eadt ri\u00eang cho t\u00e0i ch\u00ednh […]<\/p>\n","protected":false},"author":2,"featured_media":36848,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[50,44,36],"class_list":["post-36855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-dan-su","tag-luat-su-dau-tu","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.487. Ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n, c\u1ea7n ho\u00e0n thi\u1ec7n ph\u00e1p lu\u1eadt v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng...\" \/>\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\/vi\/3-487-hoan-thien-phap-luat-ve-tai-chinh-tieu-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.487. 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