{"id":37105,"date":"2023-05-25T16:42:37","date_gmt":"2023-05-25T09:42:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37105"},"modified":"2024-11-25T14:41:20","modified_gmt":"2024-11-25T07:41:20","slug":"3-510-khung-phap-ly-can-sat-thuc-tien-hon-de-thuc-day-tin-dung-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-510-khung-phap-ly-can-sat-thuc-tien-hon-de-thuc-day-tin-dung-tieu-dung\/","title":{"rendered":"3.510. Khung ph\u00e1p l\u00fd c\u1ea7n s\u00e1t th\u1ef1c ti\u1ec5n h\u01a1n \u0111\u1ec3 th\u00fac \u0111\u1ea9y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Khung ph\u00e1p l\u00fd c\u1ea7n s\u00e1t th\u1ef1c ti\u1ec5n h\u01a1n \u0111\u1ec3 th\u00fac \u0111\u1ea9y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng<\/span><\/h4>\n<h5>(CP) &#8211; T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng sau 10 n\u0103m h\u00ecnh th\u00e0nh v\u00e0 ph\u00e1t tri\u1ec3n \u0111\u00e3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong nhi\u1ec7m v\u1ee5 x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n t\u1ea1i Vi\u1ec7t Nam. Tuy nhi\u00ean, th\u1ef1c t\u1ebf v\u1eabn n\u1ea3y sinh nh\u1eefng v\u1ea5n \u0111\u1ec1 kh\u00fac m\u1eafc, r\u00e0o c\u1ea3n \u0111\u00f2i h\u1ecfi c\u1ea7n c\u00f3 gi\u1ea3i ph\u00e1p l\u00e2u d\u00e0i \u0111\u1ec3 l\u0129nh v\u1ef1c n\u00e0y ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh v\u00e0 nhanh ch\u00f3ng.<\/h5>\n<p>\u0110\u00e2y l\u00e0 n\u1ed9i dung trao \u0111\u1ed5i t\u1ea1i bu\u1ed5i T\u1ecda \u0111\u00e0m \u201cT\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u2013 S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n\u201d, do B\u00e1o \u0110\u1ea7u t\u01b0 ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean quan t\u1ed5 ch\u1ee9c ng\u00e0y 25\/3 t\u1ea1i H\u00e0 N\u1ed9i.<\/p>\n<p>Theo th\u1ed1ng k\u00ea, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng n\u00f3i chung \u0111\u00e3 \u0111\u1ea1t m\u1ee9c kh\u00e1 cao \u0111\u1ea1t 1,8 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng t\u1edbi n\u0103m 2020, chi\u1ebfm 20% d\u01b0 n\u1ee3 cho vay n\u1ec1n kinh t\u1ebf.<\/p>\n<p>T\u00ednh ri\u00eang nh\u00f3m c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u00ec d\u01b0 n\u1ee3 \u0111\u1ea1t kho\u1ea3ng kho\u1ea3ng 130.000 t\u1ef7 \u0111\u1ed3ng v\u1edbi h\u01a1n 30 tri\u1ec7u kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5. \u0110\u00e2y l\u00e0 con s\u1ed1 \u1ea5n t\u01b0\u1ee3ng v\u1edbi t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f2n non tr\u1ebb t\u1ea1i Vi\u1ec7t Nam. Cho vay ti\u00eau d\u00f9ng n\u00f3i chung hi\u1ec7n \u0111ang th\u1ef1c hi\u1ec7n ch\u1ee7 y\u1ebfu b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n<p>B\u00e0 Ph\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)\u00a0cho bi\u1ebft, ti\u00eau d\u00f9ng l\u00e0 \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng, ph\u00e1t tri\u1ec3n s\u1ea3n xu\u1ea5t v\u00e0 t\u1ea1o c\u00f4ng \u0103n vi\u1ec7c l\u00e0m cho n\u1ec1n kinh t\u1ebf. C\u00f9ng v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf th\u00ec m\u1ee9c ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n ng\u00e0y c\u00e0ng t\u0103ng, theo \u0111\u00f3 nhu c\u1ea7u v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng c\u0169ng t\u0103ng cao. Cho vay ti\u00eau d\u00f9ng l\u00e0 s\u1ea3n ph\u1ea9m cho vay d\u01b0\u1edbi d\u1ea1ng t\u00edn ch\u1ea5p ho\u1eb7c th\u1ebf ch\u1ea5p, nh\u1eb1m h\u1ed7 tr\u1ee3 ngu\u1ed3n t\u00e0i ch\u00ednh cho c\u00e1c nhu c\u1ea7u mua s\u1eafm h\u00e0ng gia d\u1ee5ng, mua xe, du h\u1ecdc, kh\u00e1m ch\u1eefa b\u1ec7nh v\u00e0 c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu kh\u00e1c trong cu\u1ed9c s\u1ed1ng.<\/p>\n<table width=\"918\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid alignnone wp-image-37106 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/05\/1-1-450x296.png\" alt=\"th\u00fac \u0111\u1ea9y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng\" width=\"450\" height=\"296\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/05\/1-1-450x296.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/05\/1-1.png 618w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<\/tr>\n<tr>\n<td>B\u00e0 Ph\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).\u1ea2nh:VGP\/HT<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ho\u1ea1t \u0111\u1ed9ng n\u00e0y gi\u00fap n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh c\u1ee7a \u0111\u1ea1i b\u1ed9 ph\u1eadn ng\u01b0\u1eddi d\u00e2n, m\u1eb7t kh\u00e1c c\u00f2n c\u00f3 \u00fd ngh\u0129a l\u1edbn trong vi\u1ec7c k\u00edch c\u1ea7u n\u1ec1n kinh t\u1ebf v\u00e0 h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.\u00a0 Trong th\u1eddi gian qua, h\u1ec7 th\u1ed1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) n\u00f3i chung, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd nh\u1eb1m \u0111\u00e1p \u1ee9ng k\u1ecbp th\u1eddi nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, g\u00f3p ph\u1ea7n c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng, gia t\u0103ng c\u00f4ng b\u1eb1ng x\u00e3 h\u1ed9i.<\/p>\n<p>Tuy v\u1eady, theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ee7a Vi\u1ec7t Nam ph\u00e1t tri\u1ec3n v\u1eabn ch\u1eadm n\u1ebfu so v\u1edbi ngay c\u1ea3 nh\u1eefng n\u01b0\u1edbc trong khu v\u1ef1c. Chuy\u00ean gia ng\u00e2n h\u00e0ng C\u1ea5n V\u0103n L\u1ef1c cung c\u1ea5p s\u1ed1 li\u1ec7u, d\u00f9 ph\u00e1t tri\u1ec3n nhanh nh\u01b0ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1eabn ch\u1ec9 chi\u1ebfm kho\u1ea3ng 8,7% t\u1ed5ng d\u01b0 n\u1ee3 n\u1ec1n kinh t\u1ebf\u2026N\u1ebfu so v\u1edbi c\u00e1c n\u01b0\u1edbc n\u01b0\u1edbc trong khu v\u1ef1c nh\u01b0 Malaysia (15%), Th\u00e1i Lan (17%), Indonesia (22,7%), H\u00e0n Qu\u1ed1c (35%) th\u00ec t\u1ef7 l\u1ec7 \u1edf Vi\u1ec7t Nam c\u00f2n qu\u00e1 nh\u1ecf. \u0110\u00e2y c\u0169ng l\u00e0 ch\u1ec9 s\u1ed1 n\u00eau l\u00ean d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n cho l\u0129nh v\u1ef1c n\u00e0y v\u1eabn c\u00f2n r\u1ea5t nhi\u1ec1u cho c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n<p><em>Theo <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong>, trong 10 n\u0103m qua, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n r\u1ea5t m\u1ea1nh, nh\u01b0ng h\u00e0nh lang ph\u00e1p l\u00fd kh\u00f4ng theo theo k\u1ecbp, th\u1eadm ch\u00ed kh\u00f4ng thay \u0111\u1ed5i nhi\u1ec1u, n\u00ean \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n c\u1ea3n tr\u1edf ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/em><\/p>\n<p><em>K\u1ebft qu\u1ea3 l\u00e0 t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en (cho vay b\u1ea5t h\u1ee3p ph\u00e1p, l\u00e3i su\u1ea5t b\u1ea5t h\u1ee3p ph\u00e1p v\u00e0 thu h\u1ed3i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p) kh\u00f4ng nh\u1eefng kh\u00f4ng suy gi\u1ea3m, m\u00e0 c\u00f2n gia t\u0103ng m\u1ed9t c\u00e1ch c\u00e0ng ng\u00e0y ng\u00e0y tr\u1ea7m tr\u1ecdng, v\u1edbi l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf l\u00ean \u0111\u1ebfn h\u00e0ng tr\u0103m % m\u1ed7i n\u0103m.<\/em><\/p>\n<p>D\u01b0\u1edbi g\u00f3c \u0111\u1ed9 qu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc, b\u00e0 Ph\u1ea1m Th\u1ecb Thanh T\u00f9ng cho r\u1eb1ng, nguy\u00ean nh\u00e2n c\u1ee7a nh\u1eefng h\u1ea1n ch\u1ebf l\u00e0 c\u00e1c nhu c\u1ea7u vay v\u1ed1n ti\u00eau d\u00f9ng c\u1ea5p b\u00e1ch th\u01b0\u1eddng kh\u00f3 ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3; qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh c\u1ea5p t\u00edn d\u1ee5ng kh\u00f3 kh\u0103n do ngu\u1ed3n th\u00f4ng tin kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, \u0111\u1ed9 ch\u00ednh x\u00e1c kh\u00f4ng b\u1ea3o \u0111\u1ea3m. Th\u1eddi gian qua, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, \u0111\u1eb7c bi\u1ec7t t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh b\u1ed9c l\u1ed9 m\u1ed9t s\u1ed1 r\u1ee7i ro ti\u1ec1m \u1ea9n v\u1ec1 n\u1ee3 x\u1ea5u.<\/p>\n<p>M\u1ed9t b\u1ed9 ph\u1eadn ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u01b0\u1eddi d\u00e2n t\u1ea1i c\u00e1c v\u00f9ng s\u00e2u, v\u00f9ng xa, do ch\u01b0a c\u00f3 nhi\u1ec1u th\u00f4ng tin v\u1ec1 t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng n\u00ean b\u1ecb c\u00e1c k\u00eanh cho vay kh\u00f4ng ch\u00ednh th\u1ee9c ti\u1ebfp c\u1eadn cho vay v\u1edbi l\u00e3i su\u1ea5t cao.<\/p>\n<p>\u00d4ng Phan \u0110\u1ee9c Hi\u1ebfu, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Qu\u1ea3n l\u00fd Kinh t\u1ebf Trung \u01b0\u01a1ng (CIEM) cho r\u1eb1ng, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, x\u00e9t v\u1ec1 l\u1ee3i \u00edch th\u00ec ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 c\u00f3 nhu c\u1ea7u t\u1eeb r\u1ea5t l\u00e2u n\u00ean c\u00f3 c\u00e1ch th\u1ee9c qu\u1ea3n l\u00fd b\u1ea3o \u0111\u1ea3m theo quy lu\u1eadt kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng t\u1ef1 nhi\u00ean.<\/p>\n<p>\u201cTr\u01b0\u1edbc khi \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c s\u1ee9 m\u1ec7nh cao h\u01a1n nh\u01b0 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en\u2026 c\u1ea7n ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh khung ph\u00e1p l\u00fd \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n thu\u1eadn theo quy lu\u1eadt, th\u1ecfa m\u00e3n nhu c\u1ea7u ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u201d, \u00f4ng Hi\u1ebfu n\u00f3i.<\/p>\n<p><strong>C\u1ea7n c\u00f3 t\u01b0 duy thi\u1ebft k\u1ebf ch\u00ednh s\u00e1ch m\u1edbi<\/strong><\/p>\n<p>N\u0103m 2020, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 c\u00f3 Quy\u1ebft \u0111\u1ecbnh 149\/Q\u0110-TTg ph\u00ea duy\u1ec7t Chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n qu\u1ed1c gia \u0111\u1ebfn n\u0103m 2025 v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng t\u1edbi n\u0103m 2030. Chi\u1ebfn l\u01b0\u1ee3c n\u00e0y y\u00eau c\u1ea7u r\u1ea5t r\u00f5 nhi\u1ec7m v\u1ee5 l\u00e0 \u201cPh\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng ti\u00eau d\u00f9ng, c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t h\u1ee3p l\u00fd, g\u00f3p ph\u1ea7n ng\u0103n ng\u1eeba t\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n<p>R\u00f5 r\u00e0ng, \u0111\u00e2y l\u00e0 nhi\u1ec7m v\u1ee5 v\u00e0 l\u00e0 c\u00f4ng vi\u1ec7c c\u00e1c TCTD b\u00ean c\u1ea1nh nhi\u1ec7m v\u1ee5 kinh doanh thu\u1ea7n thu\u00fd ph\u1ea3i t\u00ednh \u0111\u1ebfn \u0111\u1ec3 c\u00f3 tr\u00e1ch nhi\u1ec7m x\u00e3 h\u1ed9i t\u1ed1t h\u01a1n trong th\u1eddi gian t\u1edbi.<\/p>\n<p>B\u00e0 Ph\u1ea1m Th\u1ecb Thanh T\u00f9ng cho bi\u1ebft, th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, th\u1eddi gian qua, NHNN \u0111\u00e3 tri\u1ec3n khai \u0111\u1ed3ng b\u1ed9 c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ea9y m\u1ea1nh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, g\u00f3p ph\u1ea7n n\u00e2ng cao \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en.<\/p>\n<p>C\u1ee5 th\u1ec3, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 cho vay ti\u00eau d\u00f9ng lu\u00f4n \u0111\u01b0\u1ee3c NHNN ho\u00e0n thi\u1ec7n, b\u1ed5 sung ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c th\u00f9 cho vay ti\u00eau d\u00f9ng, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng an to\u00e0n, l\u00e0nh m\u1ea1nh, hi\u1ec7u qu\u1ea3, g\u00f3p ph\u1ea7n b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng. Hi\u1ec7n nay, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi nhi\u1ec1u v\u0103n b\u1ea3n nh\u01b0 Th\u00f4ng t\u01b0 39, 43, 18\u2026quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, quy \u0111\u1ecbnh v\u1ec1 c\u00f4ng ty t\u00e0i ch\u00ednh\u2026<\/p>\n<p>Ngo\u00e0i ra, hi\u1ec7n nay, NHNN \u0111ang nghi\u00ean c\u1ee9u tr\u00ecnh c\u1ea5p c\u00f3 th\u1ea9m quy\u1ec1n ban h\u00e0nh nhi\u1ec1u ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng nh\u01b0, \u0111\u1ec1 xu\u1ea5t, tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 xem x\u00e9t, ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh v\u1ec1 tri\u1ec3n khai th\u00ed \u0111i\u1ec3m d\u00f9ng t\u00e0i kho\u1ea3n vi\u1ec5n th\u00f4ng thanh to\u00e1n cho c\u00e1c h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf (Mobile Money)\u2026<\/p>\n<p>C\u00f9ng v\u1edbi vi\u1ec7c ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd cho vay ti\u00eau d\u00f9ng, NHNN \u0111\u00e3 tri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p kh\u01a1i th\u00f4ng d\u00f2ng v\u1ed1n ng\u00e2n h\u00e0ng, n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n<p>C\u00e1c TCTD nh\u01b0 Agribank \u0111\u00e3 tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng 5.000 t\u1ef7 \u0111\u1ed3ng, theo \u0111\u00f3 kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u vay v\u1ed1n ch\u00ednh \u0111\u00e1ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n ngay trong ng\u00e0y v\u1edbi s\u1ed1 ti\u1ec1n cho vay t\u1ed1i \u0111a 30 tri\u1ec7u \u0111\u1ed3ng, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p\u2026<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, NHNN c\u0169ng \u0111\u00e3 ch\u1ea5p thu\u1eadn cho c\u00e1c TCTD m\u1edf r\u1ed9ng, ph\u00e1t tri\u1ec3n m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD, c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 ph\u1ee7 kh\u1eafp c\u00e1c v\u00f9ng mi\u1ec1n, t\u1eeb \u0111\u00f3 gia t\u0103ng ti\u1ebfp c\u1eadn \u0111\u1ebfn ng\u01b0\u1eddi d\u00e2n, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay v\u1ed1n ch\u00ednh \u0111\u00e1ng, h\u1ee3p ph\u00e1p c\u1ee7a nh\u00e2n d\u00e2n.<\/p>\n<p>B\u00e0 Ph\u1ea1m Th\u1ecb Thanh T\u00f9ng n\u00eau l\u00ean m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p, trong \u0111\u00f3 nh\u1ea5n m\u1ea1nh, NHNN s\u1ebd ti\u1ebfp t\u1ee5c ch\u1ec9 \u0111\u1ea1o c\u00e1c TCTD t\u1eadp trung ngu\u1ed3n v\u1ed1n, \u0111\u00e1p \u1ee9ng k\u1ecbp th\u1eddi, \u0111\u1ea7y \u0111\u1ee7 nhu c\u1ea7u vay v\u1ed1n h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi d\u00e2n; \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng khoa h\u1ecdc, c\u00f4ng ngh\u1ec7, ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 cho vay, thanh to\u00e1n tr\u1ef1c tuy\u1ebfn, g\u1eafn v\u1edbi c\u1ea3i c\u00e1ch th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, \u0111\u01a1n gi\u1ea3n quy tr\u00ecnh, th\u1ee7 t\u1ee5c vay v\u1ed1n \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho m\u1ecdi t\u1ea7ng l\u1edbp nh\u00e2n d\u00e2n d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng.<\/p>\n<p>M\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c TCTD \u1edf nh\u1eefng \u0111\u1ecba b\u00e0n c\u00f3 m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng ch\u01b0a t\u01b0\u01a1ng x\u1ee9ng v\u1edbi nhu c\u1ea7u ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, \u0111\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng ti\u00eau c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n<p>NHNN s\u1ebd\u00a0t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c 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 t\u00edn d\u1ee5ng t\u1eeb c\u00e1c k\u00eanh cung c\u1ea5p t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c.<\/p>\n<p>Ti\u1ebfp t\u1ee5c t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd, thanh tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, cho vay ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng c\u1ee7a c\u00e1c TCTD, \u0111\u1eb7c bi\u1ec7t c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, b\u1ea3o \u0111\u1ea3m tu\u00e2n th\u1ee7 \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<p><strong>\u0110\u1ec1 xu\u1ea5t quy \u0111\u1ecbnh v\u1ec1 &#8220;ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n&#8221;<\/strong><\/p>\n<p>Chuy\u00ean gia Phan \u0110\u1ee9c Hi\u1ebfu cho r\u1eb1ng, ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o c\u0169ng c\u00f3 r\u1ee7i ro, bao g\u1ed3m c\u1ee7a t\u1ed5 ch\u1ee9c v\u00e0 c\u1ea3 c\u00e1 nh\u00e2n. Nh\u00e0 n\u01b0\u1edbc can thi\u1ec7p ng\u0103n ch\u1eb7n r\u1ee7i ro, gi\u1ea3m thi\u1ec3u vi\u1ec7c \u0111\u1ec3 ph\u00e1 s\u1ea3n, tuy nhi\u00ean, \u0111\u00e2y l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng t\u1ef1 nhi\u00ean c\u1ee7a m\u1ecdi n\u1ec1n kinh t\u1ebf \u0111\u00f2i h\u1ecfi c\u00e1c ch\u1ee7 th\u1ec3 ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m h\u01a1n trong ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, ph\u1ea3i t\u00ednh \u0111\u1ebfn c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u201cph\u00e1 s\u1ea3n t\u01b0 nh\u00e2n \u0111\u1ec3 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft\u201d.<\/p>\n<p>B\u00eanh c\u1ea1nh \u0111\u00f3, \u00f4ng Hi\u1ebfu nh\u1ea5n m\u1ea1nh v\u1ec1 hi\u1ec7u qu\u1ea3 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p \u201ch\u1eadu\u201d cho vay.<\/p>\n<p>\u201cN\u1ebfu \u0111\u1ec3 c\u00e1c v\u1ee5 vi\u1ec7c k\u00e9o d\u00e0i 2-3 n\u0103m, nhi\u1ec1u n\u0103m ho\u1eb7c kh\u00f4ng c\u00f3 c\u01a1 h\u1ed9i gi\u1ea3i quy\u1ebft \u0111\u00e2y s\u1ebd l\u00e0 r\u00e0o c\u1ea3n l\u1edbn cho s\u1ef1 ph\u00e1t tri\u1ec3n\u201d, \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu n\u00f3i.<\/p>\n<p>C\u00f3 c\u00f9ng quan \u0111i\u1ec3m tr\u00ean, chuy\u00ean gia kinh t\u1ebf \u0110inh Tr\u1ecdng Th\u1ecbnh cho bi\u1ebft, \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n vi\u1ec7c ph\u00e1 s\u1ea3n c\u00e1 nh\u00e2n c\u0169ng l\u00e0 chuy\u1ec7n b\u00ecnh th\u01b0\u1eddng, \u00f4ng Th\u1ecbnh d\u1eabn s\u1ed1 li\u1ec7u t\u1edbi 80% ng\u01b0\u1eddi M\u1ef9 \u00edt nh\u1ea5t m\u1ed9t l\u1ea7n ph\u00e1 s\u1ea3n trong \u0111\u1eddi. Kh\u00f3 c\u00f3 th\u1ec3 so s\u00e1nh, tuy nhi\u00ean, th\u1ef1c t\u1ebf Vi\u1ec7t Nam v\u1eabn qu\u1ea3n l\u00fd theo h\u01b0\u1edbng \u201cbao c\u1ea5p h\u01a1i nhi\u1ec1u\u201d cho ng\u01b0\u1eddi d\u00e2n, ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p, r\u1ea5t e ng\u1ea1i c\u1ee5m t\u1eeb \u201cph\u00e1 s\u1ea3n\u201d, n\u1ebfu v\u1eady th\u00ec s\u1ebd r\u1ea5t kh\u00f3 ph\u00e2n lo\u1ea1i \u0111\u00e1nh gi\u00e1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 r\u1ee7i ro.<\/p>\n<p>G\u00f3p \u00fd m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0nh m\u1ea1nh, b\u1ec1n v\u1eefng, TS C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng, \u0111\u1ed1i v\u1edbi c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, c\u1ea7n ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd trong vi\u1ec7c qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t c\u00e1c \u00a0c\u00f4ng ty t\u00e0i ch\u00ednh, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh quy m\u00f4 v\u1eeba v\u00e0 nh\u1ecf ph\u00e1t tri\u1ec3n.<\/p>\n<p>C\u1ea7n ch\u00fa tr\u1ecdng ph\u00e1t tri\u1ec3n c\u00e1c n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 ph\u1ee5c v\u1ee5 cho vay ti\u00eau d\u00f9ng, gi\u1ea3m chi ph\u00ed, t\u0103ng n\u0103ng su\u1ea5t lao \u0111\u1ed9ng, ph\u1ed1i h\u1ee3p ph\u00e1t tri\u1ec3n c\u00e1c m\u00f4 h\u00ecnh kinh doanh m\u1edbi (Fintech, cho vay ngang h\u00e0ng, Mobile money\u2026); ch\u00fa tr\u1ecdng qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00edn d\u1ee5ng v\u00e0 ti\u1ebft gi\u1ea3m chi ph\u00ed \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a ho\u1ea1t \u0111\u1ed9ng, c\u00e2n \u0111\u1ed1i ph\u00f9 h\u1ee3p gi\u1eefa r\u1ee7i ro v\u00e0 l\u00e3i su\u1ea5t cho vay.<\/p>\n<p>\u201cC\u1ea7n \u0111\u1ea9y m\u1ea1nh gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 x\u00e2y d\u1ef1ng \u0111\u1ed9i ng\u0169 nh\u00e2n s\u1ef1 cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n hi\u1ec7u qu\u1ea3, b\u1ec1n v\u1eefng\u201d, \u00f4ng C\u1ea5n V\u0103n L\u1ef1c khuy\u1ebfn ngh\u1ecb.<\/p>\n<p><strong>Huy Th\u1eafng<\/strong><\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>Ch\u00ednh ph\u1ee7 (Kinh t\u1ebf) ng\u00e0y 25-5-2023:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/baochinhphu.vn\/khung-phap-ly-can-sat-thuc-tien-hon-de-thuc-day-tin-dung-tieu-dung-102289705.htm\">https:\/\/baochinhphu.vn\/khung-phap-ly-can-sat-thuc-tien-hon-de-thuc-day-tin-dung-tieu-dung-102289705.htm<\/a><\/em><\/p>\n<p><em>(106\/2.081) #TDTD<\/em>","protected":false},"excerpt":{"rendered":"<p>Khung ph\u00e1p l\u00fd c\u1ea7n s\u00e1t th\u1ef1c ti\u1ec5n h\u01a1n \u0111\u1ec3 th\u00fac \u0111\u1ea9y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng (CP) &#8211; T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng sau 10 n\u0103m h\u00ecnh th\u00e0nh v\u00e0 ph\u00e1t tri\u1ec3n \u0111\u00e3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong nhi\u1ec7m v\u1ee5 x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n t\u1ea1i Vi\u1ec7t Nam. Tuy nhi\u00ean, th\u1ef1c t\u1ebf [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":37106,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-37105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.510. Khung ph\u00e1p l\u00fd c\u1ea7n s\u00e1t th\u1ef1c ti\u1ec5n h\u01a1n \u0111\u1ec3 th\u00fac \u0111\u1ea9y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng sau 10 n\u0103m h\u00ecnh th\u00e0nh v\u00e0 ph\u00e1t tri\u1ec3n \u0111\u00e3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng, tuy nhi\u00ean \u0111\u1ec3 th\u00fac \u0111\u1ea9y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng th\u00ec...\" \/>\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\/3-510-khung-phap-ly-can-sat-thuc-tien-hon-de-thuc-day-tin-dung-tieu-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.510. 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