{"id":37826,"date":"2023-09-09T12:56:34","date_gmt":"2023-09-09T05:56:34","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37826"},"modified":"2024-10-21T17:03:34","modified_gmt":"2024-10-21T10:03:34","slug":"3-576-khoang-trong-phap-ly-day-hang-loat-doanh-nghiep-cho-vay-vao-khon-kho-ky-1-vang-thau-lan-lon-ke-co-toc-chiu-don","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-576-khoang-trong-phap-ly-day-hang-loat-doanh-nghiep-cho-vay-vao-khon-kho-ky-1-vang-thau-lan-lon-ke-co-toc-chiu-don\/","title":{"rendered":"3.576. Kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd \u0111\u1ea9y h\u00e0ng lo\u1ea1t DN cho vay v\u00e0o kh\u1ed1n kh\u00f3 – K\u1ef3 1: V\u00e0ng thau l\u1eabn l\u1ed9n, \u201ck\u1ebb c\u00f3 t\u00f3c\u201d ch\u1ecbu \u0111\u00f2n"},"content":{"rendered":"

Kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd \u0111\u1ea9y h\u00e0ng lo\u1ea1t doanh nghi\u1ec7p (DN) cho vay v\u00e0o kh\u1ed1n kh\u00f3 – K\u1ef3 1: V\u00e0ng thau l\u1eabn l\u1ed9n, \u201ck\u1ebb c\u00f3 t\u00f3c\u201d ch\u1ecbu \u0111\u00f2n<\/span><\/h4>\n
(<\/strong>\u0110T<\/strong>) – <\/strong>Sa th\u1ea3i \u0111\u1ebfn 30- 50% nh\u00e2n s\u1ef1, n\u1ee3 x\u1ea5u t\u0103ng 20-30%\u2026, nhi\u1ec1u fintech, c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, chu\u1ed7i c\u1ea7m \u0111\u1ed3 \u0111\u1ee9ng tr\u01b0\u1edbc l\u1ef1a ch\u1ecdn \u201cti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan\u201d: ho\u1ea1t \u0111\u1ed9ng trong khung ph\u00e1p l\u00fd m\u1eadp m\u1edd, r\u1ee7i ro cao, ho\u1eb7c thu h\u1eb9p, th\u1eadm ch\u00ed ch\u1ea5m d\u1ee9t ho\u1ea1t \u0111\u1ed9ng.<\/strong><\/h5>\n

Ti\u00eau d\u00f9ng<\/em>\u00a0\u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t trong ba \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng, c\u00f9ng v\u1edbi\u00a0<\/em>\u0111\u1ea7u t\u01b0<\/em>, xu\u1ea5t kh\u1ea9u. Tuy nhi\u00ean, vi\u1ec7c l\u1eabn l\u1ed9n c\u00e1c c\u00f4ng ty cho vay h\u1ee3p ph\u00e1p v\u1edbi t\u00edn d\u1ee5ng \u0111en v\u00e0 kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd v\u1ec1 thu h\u1ed3i n\u1ee3 \u0111ang \u0111\u1ea9y nhi\u1ec1u\u00a0<\/em>DN<\/em>\u00a0cho vay v\u00e0o c\u1ea3nh thua l\u1ed7, n\u1ee3 x\u1ea5u, ph\u1ea3i thu h\u1eb9p ho\u1ea1t \u0111\u1ed9ng.<\/em><\/p>\n\n\n\n\n
\"DN<\/td>\n<\/tr>\n
B\u00e1o c\u00e1o\u00a0t\u00e0i ch\u00ednh\u00a06 th\u00e1ng \u0111\u1ea7u n\u0103m cho th\u1ea5y, h\u1ea7u h\u1ebft c\u00e1c \u0111\u01a1n v\u1ecb kinh doanh trong l\u0129nh v\u1ef1c t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u1ec1u thua l\u1ed7 ho\u1eb7c s\u00fat gi\u1ea3m l\u1ee3i nhu\u1eadn.\u00a0\u1ea2nh: \u0110.T<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
K\u1ef3 1: V\u00e0ng thau l\u1eabn l\u1ed9n, \u201ck\u1ebb c\u00f3 t\u00f3c\u201d ch\u1ecbu \u0111\u00f2n<\/strong><\/h5>\n

Sa th\u1ea3i \u0111\u1ebfn 30- 50% nh\u00e2n s\u1ef1, n\u1ee3 x\u1ea5u t\u0103ng 20-30%\u2026, nhi\u1ec1u fintech, c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, chu\u1ed7i c\u1ea7m \u0111\u1ed3 \u0111\u1ee9ng tr\u01b0\u1edbc l\u1ef1a ch\u1ecdn \u201cti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan\u201d: ho\u1ea1t \u0111\u1ed9ng trong khung ph\u00e1p l\u00fd m\u1eadp m\u1edd, r\u1ee7i ro cao, ho\u1eb7c thu h\u1eb9p, th\u1eadm ch\u00ed ch\u1ea5m d\u1ee9t ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

H\u1ee9ng \u0111\u00f2n k\u00e9p, lo\u1ea1t c\u00f4ng ty cho vay l\u1ed7 n\u1eb7ng<\/strong><\/h5>\n

Th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c chia l\u00e0m 2 ph\u00e2n kh\u00fac: c\u00e1c\u00a0ng\u00e2n h\u00e0ng\u00a0th\u01b0\u01a1ng m\u1ea1i v\u1edbi l\u00e3i su\u1ea5t h\u1ee3p l\u00fd, nh\u01b0ng \u0111i\u1ec1u ki\u1ec7n cho vay ch\u1eb7t ch\u1ebd; c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng nh\u01b0 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech), c\u00e1c chu\u1ed7i c\u1ea7m \u0111\u1ed3\u2026<\/p>\n

Ph\u00e2n kh\u00fac th\u1ee9 hai nh\u1eafm t\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp trung b\u00ecnh, th\u1ea5p, c\u00f3 nhu c\u1ea7u vay v\u1ed1n l\u1edbn, nh\u01b0ng kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n ng\u00e2n h\u00e0ng. Do nh\u1eafm v\u00e0o nhu c\u1ea7u th\u1ef1c c\u1ee7a \u0111\u1ea1i \u0111a s\u1ed1 ng\u01b0\u1eddi lao \u0111\u1ed9ng, ph\u00e2n kh\u00fac n\u00e0y t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd 10 n\u0103m qua tr\u01b0\u1edbc khi b\u1ecb h\u1ee9ng \u201c\u0111\u00f2n k\u00e9p\u201d t\u1eeb Covid-19 v\u00e0 ho\u1ea1t \u0111\u1ed9ng thanh, ki\u1ec3m tra c\u1ee7a l\u1ef1c l\u01b0\u1ee3ng c\u00f4ng an.<\/p>\n

T\u1eeb n\u0103m ngo\u00e1i \u0111\u1ebfn nay, h\u00e0ng lo\u1ea1t c\u00f4ng ty t\u00e0i ch\u00ednh, fintech, chu\u1ed7i c\u1ea7m \u0111\u1ed3 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p r\u01a1i v\u00e0o c\u1ea3nh kh\u00f3 kh\u0103n nh\u1ea5t t\u1eeb tr\u01b0\u1edbc t\u1edbi nay. B\u00e1o c\u00e1o t\u00e0i ch\u00ednh 6 th\u00e1ng \u0111\u1ea7u n\u0103m cho th\u1ea5y, h\u1ea7u h\u1ebft c\u00e1c \u0111\u01a1n v\u1ecb kinh doanh trong l\u0129nh v\u1ef1c n\u00e0y \u0111\u1ec1u thua l\u1ed7 ho\u1eb7c s\u00fat gi\u1ea3m l\u1ee3i nhu\u1eadn.<\/p>\n

C\u1ee5 th\u1ec3, FE Credit t\u1eeb ch\u1ed7 l\u00e3i h\u00e0ng ng\u00e0n t\u1ef7 \u0111\u1ed3ng m\u1ed7i n\u0103m, th\u00ec n\u1eeda \u0111\u1ea7u n\u0103m nay \u0111\u00e3 l\u1ed7 t\u1edbi 2.996 t\u1ef7 \u0111\u1ed3ng. C\u00f4ng ty T\u00e0i ch\u00ednh TNHH MTV Shinhan Vi\u1ec7t Nam (Shinhan Finance) l\u1ed7 246 t\u1ef7 \u0111\u1ed3ng, trong khi c\u00f9ng k\u1ef3 l\u00e3i sau thu\u1ebf 92 t\u1ef7 \u0111\u1ed3ng. C\u00f4ng ty c\u1ed5 ph\u1ea7n T\u00e0i ch\u00ednh T\u00edn Vi\u1ec7t (VietCredit) l\u1ed7 73,6 t\u1ef7 \u0111\u1ed3ng, thay v\u00ec l\u00e3i 42,5 t\u1ef7 \u0111\u1ed3ng v\u00e0o c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i.<\/p>\n

Ch\u01b0a \u0111\u1ebfn m\u1ee9c thua l\u1ed7, song Home Credit b\u00e1o l\u1ee3i nhu\u1eadn 6 th\u00e1ng ch\u1ec9 \u0111\u1ea1t 211 t\u1ef7 \u0111\u1ed3ng (c\u1ea3 n\u0103m 2022 l\u00e3i r\u00f2ng 1.189 t\u1ef7 \u0111\u1ed3ng). Mcredit v\u00e0 HD Saison l\u1ea7n l\u01b0\u1ee3t b\u00e1o l\u1ee3i nhu\u1eadn gi\u1ea3m 32% v\u00e0 48%. T\u01b0\u01a1ng t\u1ef1, chu\u1ed7i c\u1ea7m \u0111\u1ed3 F88 ghi nh\u1eadn l\u1ed7 368 t\u1ef7 \u0111\u1ed3ng n\u1eeda \u0111\u1ea7u n\u0103m nay so v\u1edbi c\u00f9ng k\u1ef3 l\u00e3i 46,27 t\u1ef7 \u0111\u1ed3ng do tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u0103ng \u0111\u1ed9t bi\u1ebfn.<\/p>\n

Kh\u1ed1i fintech cho vay c\u0169ng th\u00ea th\u1ea3m kh\u00f4ng k\u00e9m. Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean B\u00e1o \u0110\u1ea7u t\u01b0, t\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a m\u1ed9t fintech cho hay, c\u00f4ng ty n\u00e0y ph\u1ea3i sa th\u1ea3i 50% nh\u00e2n s\u1ef1, thu h\u1eb9p m\u1ed9t n\u1eeda quy m\u00f4 cho vay v\u00e0 n\u1ee3 x\u1ea5u \u0111ang t\u0103ng 30%. C\u00e1c fintech cho vay kh\u00e1c c\u0169ng \u0111ang trong c\u1ea3nh t\u01b0\u01a1ng t\u1ef1 khi ph\u1ea3i c\u1eaft gi\u1ea3m 30-50% nh\u00e2n s\u1ef1, thu h\u1ed3i n\u1ee3 x\u1ea5u \u0111i nhanh ch\u00f3ng, nhi\u1ec1u c\u00f4ng ty ph\u1ea3i c\u00e2n nh\u1eafc vi\u1ec7c \u0111\u00f3ng c\u1eeda, r\u1eddi kh\u1ecfi Vi\u1ec7t Nam.<\/p>\n

Tuy c\u00f2n nhi\u1ec1u h\u1ea1n ch\u1ebf, song kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn, th\u1eddi gian qua, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, chu\u1ed7i c\u1ea7m \u0111\u1ed3, c\u00e1c fintech cho vay \u0111\u00e3 b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c kho\u1ea3ng tr\u1ed1ng t\u00edn d\u1ee5ng tr\u00ean th\u1ecb tr\u01b0\u1eddng, gi\u00fap h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n t\u00edn d\u1ee5ng. S\u1ef1 gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y c\u0169ng gi\u00fap h\u00ecnh th\u00e0nh th\u00f3i quen vay ti\u00eau d\u00f9ng trong x\u00e3 h\u1ed9i, t\u1eeb \u0111\u00f3 k\u00edch th\u00edch s\u1ea3n xu\u1ea5t, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng\u00a0kinh t\u1ebf.<\/p>\n

\u201cC\u00f3 th\u1ec3 th\u1ea5y, ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng n\u00f3i chung v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u00ednh th\u1ed1ng n\u00f3i ri\u00eang \u0111\u00e3 c\u00f3 vai tr\u00f2 r\u1ea5t l\u1edbn \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1eddi s\u1ed1ng, qua \u0111\u00f3 th\u1ef1c hi\u1ec7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en\u201d, \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (VNBA) kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

H\u1eadu n\u1edf bung l\u00e0 si\u1ebft qu\u00e1 ch\u1eb7t<\/strong><\/h5>\n

Do ph\u00e1t tri\u1ec3n qu\u00e1 nhanh, cho vay ti\u00eau d\u00f9ng th\u1eddi gian qua ph\u00e1t sinh nhi\u1ec1u h\u1ec7 l\u1ee5y, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u00ecnh tr\u1ea1ng nh\u00e2n vi\u00ean m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh, chu\u1ed7i c\u1ea7m \u0111\u1ed3, c\u00f4ng ty \u0111\u00f2i n\u1ee3 thu\u00ea c\u00f3 h\u00e0nh vi \u0111\u00f2i n\u1ee3 kh\u1ee7ng b\u1ed1, g\u00e2y ph\u1ea3n c\u1ea3m trong x\u00e3 h\u1ed9i. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f3 t\u00ecnh tr\u1ea1ng nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111en m\u1ea1o danh c\u00f4ng ty t\u00e0i ch\u00ednh, fintech\u2026 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p \u0111\u1ec3 \u201cb\u1eaby\u201d ng\u01b0\u1eddi ti\u00eau d\u00f9ng. S\u1ef1 nh\u1eadp nh\u00e8m gi\u1eefa t\u00edn d\u1ee5ng \u0111en v\u00e0 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u1ea7m l\u1eabn.<\/p>\n

Ch\u00ednh v\u00ec v\u1eady, vi\u1ec7c ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft. Tuy nhi\u00ean, si\u1ebft ch\u1eb7t th\u00e1i qu\u00e1, coi c\u00f4ng ty t\u00e0i ch\u00ednh, chu\u1ed7i c\u1ea7m \u0111\u1ed3, fintech \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p nh\u01b0 t\u00edn d\u1ee5ng \u0111en l\u1ea1i c\u00e0ng b\u1ea5t \u1ed5n, c\u00f3 th\u1ec3 d\u1eabn t\u1edbi suy y\u1ebfu th\u1ecb tr\u01b0\u1eddng n\u00e0y, l\u00e0m t\u00edn d\u1ee5ng \u0111en b\u00f9ng ph\u00e1t.<\/p>\n

Th\u1ef1c t\u1ebf, \u0111ang r\u1ed9 l\u00ean t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3 n\u1ee3 c\u00f4ng ty t\u00e0i ch\u00ednh, fintech, chu\u1ed7i c\u1ea7m \u0111\u1ed3, v\u00ec cho r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb n\u00e0y l\u00e0 ph\u1ea1m ph\u00e1p. Vi\u1ec7c c\u00e1c h\u1ed9i nh\u00f3m chia s\u1ebb c\u00e1ch th\u1ee9c b\u00f9ng ti\u1ec1n vay n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng di\u1ec5n ra tr\u00e0n lan tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i, thu h\u00fat h\u00e0ng tr\u0103m ng\u00e0n th\u00e0nh vi\u00ean tham gia, t\u1ea1o t\u00e2m l\u00fd \u201cb\u00f9ng n\u1ee3 t\u1eadp th\u1ec3\u201d, khi\u1ebfn n\u1ee3 x\u1ea5u c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb cho vay kh\u00e1c v\u1ecdt t\u0103ng.<\/p>\n

Kh\u00f4ng khuy\u1ebfn kh\u00edch cho vay ti\u00eau d\u00f9ng th\u00ec l\u00e0m sao kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng \u0111\u01b0\u1ee3c. Theo t\u00f4i, c\u1ea7n khuy\u1ebfn kh\u00edch c\u00e1c t\u1ed5 ch\u1ee9c cho vay phi ng\u00e2n h\u00e0ng nh\u01b0 c\u00f4ng ty t\u00e0i ch\u00ednh, chu\u1ed7i c\u1ea7m \u0111\u1ed3, fintech\u2026 Ch\u00fang ta n\u00ean c\u00f3 c\u00e1i nh\u00ecn c\u1edfi m\u1edf h\u01a1n, kh\u00f4ng n\u00ean qu\u1ea3n ch\u1eb7t qu\u00e1, kh\u00f4ng n\u00ean coi fintech, c\u00f4ng ty t\u00e0i ch\u00ednh\u2026 nh\u01b0 m\u1ed9t ng\u00e2n h\u00e0ng v\u00e0 l\u1ea5y ti\u00eau ch\u00ed ng\u00e2n h\u00e0ng ra \u0111\u1ec3 \u00e1p d\u1ee5ng qu\u1ea3n l\u00fd.<\/strong><\/em><\/h5>\n

– Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/em><\/p>\n

\u201cVi\u1ec7c \u0111\u00f2i n\u1ee3 sai lu\u1eadt l\u00e0 h\u00e0nh vi c\u1ea7n l\u00ean \u00e1n, c\u00f4ng ty cho vay ti\u00eau d\u00f9ng vi ph\u1ea1m c\u1ea7n b\u1ecb x\u1eed l\u00fd nghi\u00eam, th\u1eadm ch\u00ed r\u00fat gi\u1ea5y ph\u00e9p \u0111\u1ec3 t\u1ea1o s\u1ef1 c\u00f4ng b\u1eb1ng, minh b\u1ea1ch cho th\u1ecb tr\u01b0\u1eddng. Nh\u01b0ng ng\u01b0\u1ee3c l\u1ea1i, nh\u1eefng c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng theo \u0111\u00fang Lu\u1eadt Doanh nghi\u1ec7p v\u00e0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec ph\u1ea3i \u0111\u1ec3 h\u1ecd ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng\u201d, \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng \u0111\u1ec1 ngh\u1ecb.<\/p>\n

Theo l\u00e3nh \u0111\u1ea1o VNBA, th\u1eddi gian qua, t\u1ea1i m\u1ed9t s\u1ed1 \u0111\u1ecba ph\u01b0\u01a1ng, khi c\u01a1 quan ch\u1ee9c n\u0103ng ki\u1ec3m tra h\u00e0nh ch\u00ednh, s\u1ef1 ra qu\u00e2n nhi\u1ec1u l\u1ef1c l\u01b0\u1ee3ng c\u00f3 th\u1ec3 g\u00e2y ra nh\u1eefng h\u1eadu qu\u1ea3 kh\u00f4ng nh\u01b0 mong mu\u1ed1n. Hi\u1ec7n t\u01b0\u1ee3ng r\u1ee7 nhau b\u00f9ng n\u1ee3 gia t\u0103ng khi\u1ebfn c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u00f4ng \u0111\u00f2i \u0111\u01b0\u1ee3c n\u1ee3, c\u00e1c nh\u00e2n vi\u00ean thu h\u1ed3i n\u1ee3 xin ngh\u1ec9 vi\u1ec7c h\u00e0ng lo\u1ea1t, \u201ccon n\u1ee3\u201d tr\u1edf th\u00e0nh \u201c\u00f4ng ch\u1ee7\u201d g\u00e2y \u00e1p l\u1ef1c v\u1edbi ch\u1ee7 n\u1ee3.<\/p>\n

Ch\u01b0a c\u1eadp nh\u1eadt s\u1ed1 li\u1ec7u m\u1edbi, song theo VNBA, t\u00ednh \u0111\u1ebfn h\u1ebft n\u0103m 2022, n\u1ee3 x\u1ea5u c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh t\u0103ng 23,09% so v\u1edbi n\u0103m 2021.<\/h5>\n

C\u00e1n b\u1ed9 ph\u1ee5 tr\u00e1ch thu n\u1ee3 c\u1ee7a m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh cho hay: \u201cT\u1ef7 l\u1ec7 thu h\u1ed3i n\u1ee3 c\u1ee7a nh\u00f3m t\u00f4i gi\u1ea3m t\u1edbi 80%. Nhi\u1ec1u kh\u00e1ch h\u00e0ng th\u00e2n thi\u1ebft v\u1edbi c\u00f4ng ty, nhi\u1ec1u n\u0103m c\u1ee9 vay r\u1ed3i l\u1ea1i tr\u1ea3 \u0111\u1ec1u \u0111\u1eb7n b\u1ed7ng d\u01b0ng d\u1eebng tr\u1ea3 n\u1ee3, \u0111\u1ed5 cho ch\u00fang t\u00f4i l\u00e0 t\u00edn d\u1ee5ng \u0111en. Nh\u00e2n vi\u00ean thu h\u1ed3i n\u1ee3 \u0111i l\u00e0m c\u00f3 h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng \u0111\u00e0ng ho\u00e0ng, nh\u01b0ng \u0111\u1ebfn nh\u00e0 kh\u00e1ch h\u00e0ng \u0111\u00f2i n\u1ee3, ch\u01b0a k\u1ecbp tr\u00ecnh b\u00e0y, \u0111\u00e3 b\u1ecb kh\u00e1ch h\u00e0ng h\u00f4 ng\u01b0\u1eddi nh\u00e0 ra ch\u00e9m. C\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, ch\u00fang t\u00f4i t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec1 ngh\u1ecb ch\u1ec9 tr\u1ea3 n\u1ee3 g\u1ed1c m\u00e0 kh\u00e1ch h\u00e0ng c\u0169ng kh\u00f4ng ch\u1ecbu, h\u1ecd mu\u1ed1n chi\u1ebfm \u0111o\u1ea1t lu\u00f4n ti\u1ec1n c\u1ee7a c\u00f4ng ty. \u0110\u00e2y l\u00e0 l\u00fd do t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay, nhi\u1ec1u c\u00f4ng ty gi\u1ea3m m\u1ed9t n\u1eeda cho vay m\u1edbi\u201d.<\/p>\n

Theo l\u00e3nh \u0111\u1ea1o nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ngh\u0129a v\u1ee5, tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi \u0111i vay qu\u00e1 l\u1ecfng v\u00e0 h\u00e0nh vi ti\u00eau d\u00f9ng ch\u01b0a chu\u1ea9n m\u1ef1c c\u1ee7a ng\u01b0\u1eddi vay l\u00e0 nguy\u00ean nh\u00e2n khi\u1ebfn c\u00e1c doanh nghi\u1ec7p cho vay ph\u1ea3i t\u1ed1n r\u1ea5t nhi\u1ec1u chi ph\u00ed cho ho\u1ea1t \u0111\u1ed9ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, d\u1eabn \u0111\u1ebfn l\u00e3i su\u1ea5t cao.<\/p>\n

Trong khi \u0111\u00f3, vi\u1ec7c kh\u1edfi ki\u1ec7n ra t\u00f2a \u0111\u1ec3 \u0111\u00f2i n\u1ee3 v\u1edbi kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng g\u1ea7n nh\u01b0 b\u1ea5t kh\u1ea3 thi do c\u00e1c kho\u1ea3n n\u1ee3 gi\u00e1 tr\u1ecb th\u1ea5p, qu\u00e1 tr\u00ecnh theo \u0111u\u1ed5i v\u1ee5 ki\u1ec7n k\u00e9o d\u00e0i v\u00e0 chi ph\u00ed kh\u00f4ng nh\u1ecf. \u0110\u00e2y ch\u00ednh l\u00e0 m\u1ed9t trong c\u00e1c nguy\u00ean nh\u00e2n d\u1eabn t\u1edbi t\u1ef7 l\u1ec7 kh\u00e1ch vay kh\u00f4ng tr\u1ea3 n\u1ee3 ng\u00e0y c\u00e0ng cao.<\/p>\n

C\u00e1c doanh nghi\u1ec7p cho vay (c\u00f4ng ty t\u00e0i ch\u00ednh, fintech, chu\u1ed7i c\u1ea7m \u0111\u1ed3\u2026) cho r\u1eb1ng, c\u1ea7n c\u00f3 ch\u1ebf t\u00e0i m\u1ea1nh h\u01a1n v\u1edbi kh\u00e1ch vay c\u1ed1 t\u00ecnh ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3. \u0110\u1ed3ng th\u1eddi, c\u0169ng c\u1ea7n c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd ph\u00f9 h\u1ee3p h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c cho vay phi ng\u00e2n h\u00e0ng.<\/h5>\n

Hi\u1ec7n nay, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) qu\u1ea3n l\u00fd, song nhi\u1ec1u quy \u0111\u1ecbnh \u00e1p d\u1ee5ng chung gi\u1eefa c\u00f4ng ty t\u00e0i ch\u00ednh v\u1edbi ng\u00e2n h\u00e0ng l\u00e0 b\u1ea5t h\u1ee3p l\u00fd. \u0110\u1eb7c bi\u1ec7t, l\u00e3i su\u1ea5t c\u1ee7a nh\u00f3m c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c \u0111em ra so s\u00e1nh v\u1edbi l\u00e3i su\u1ea5t cho vay ng\u00e2n h\u00e0ng c\u0169ng r\u1ea5t phi l\u00fd, b\u1edfi hai nh\u00f3m t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00e0y c\u00f3 gi\u00e1 v\u1ed1n, chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ee5c v\u1ee5\u2026 r\u1ea5t kh\u00e1c nhau. Th\u1ef1c t\u1ebf, nhi\u1ec1u th\u1eddi \u0111i\u1ec3m, v\u1edbi m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m cho vay t\u00edn ch\u1ea5p c\u1ee7a ng\u00e2n h\u00e0ng (nh\u01b0 cho vay qua th\u1ebb t\u00edn d\u1ee5ng), l\u00e3i su\u1ea5t c\u0169ng cao ngang ng\u1eeda l\u00e3i vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

Ri\u00eang fintech v\u00e0 chu\u1ed7i c\u1ea7m \u0111\u1ed3 hi\u1ec7n kh\u00f4ng n\u1eb1m trong ph\u1ea1m vi qu\u1ea3n l\u00fd c\u1ee7a NHNN. D\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 l\u00e0 ng\u00e0nh\u00a0kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n, B\u1ed9 C\u00f4ng an qu\u1ea3n l\u00fd v\u1ec1 an ninh, tr\u1eadt t\u1ef1 (Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 96\/2016\/N\u0110-CP), ho\u1ea1t \u0111\u1ed9ng thu h\u1ed3i n\u1ee3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

Trong khi \u0111\u00f3, fintech cho vay v\u1eabn \u0111ang trong v\u00f9ng tr\u0169ng ph\u00e1p l\u00fd, d\u00f9 D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (sandbox) \u0111\u00e3 \u0111\u01b0\u1ee3c tr\u00ecnh Ch\u00ednh ph\u1ee7 c\u00e1ch \u0111\u00e2y nhi\u1ec1u n\u0103m. \u00d4ng Ph\u1ea1m Anh Tu\u1ea5n, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n (NHNN) k\u1ef3 v\u1ecdng, sandbox s\u1ebd \u0111\u01b0\u1ee3c ban h\u00e0nh trong qu\u00fd III\/2023. Sau khi ngh\u1ecb \u0111\u1ecbnh \u0111\u01b0\u1ee3c k\u00fd, NHNN s\u1ebd ch\u00ednh th\u1ee9c ban h\u00e0nh c\u00e1c th\u00f4ng t\u01b0 li\u00ean quan, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/1\/2024.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, v\u01b0\u1edbng m\u1eafc chung li\u00ean quan \u0111\u1ebfn thu h\u1ed3i n\u1ee3 c\u1ee7a t\u1ea5t c\u1ea3 \u0111\u01a1n v\u1ecb cho vay phi ng\u00e2n h\u00e0ng \u0111\u1ec1u xu\u1ea5t ph\u00e1t t\u1eeb B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u00f2n nhi\u1ec1u k\u1ebd h\u1edf. Theo nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh, fintech, hi\u1ec7n nay, cho vay v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng d\u01b0\u1edbi chu\u1ea9n gi\u1ed1ng nh\u01b0 \u201ctay kh\u00f4ng b\u1eaft gi\u1eb7c\u201d, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, ch\u1ec9 tr\u00f4ng ch\u1edd v\u00e0o \u00fd th\u1ee9c tr\u1ea3 n\u1ee3.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, n\u1ebfu n\u00fat th\u1eaft th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u00f4ng \u0111\u01b0\u1ee3c th\u00e1o g\u1ee1, \u201c\u00e1n\u201d t\u00edn d\u1ee5ng \u0111en v\u1eabn l\u01a1 l\u1eedng tr\u00ean \u0111\u1ea7u c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, fintech, chu\u1ed7i c\u1ea7m \u0111\u1ed3 v\u00e0 l\u00e0n s\u00f3ng c\u1ed1 t\u00ecnh \u201cb\u00f9ng n\u1ee3\u201d s\u1ebd c\u00f2n k\u00e9o d\u00e0i. M\u1ed9t khi th\u1ecb tr\u01b0\u1eddng n\u00e0y b\u1ecb co h\u1eb9p, c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n, nh\u1ea5t l\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng, c\u00f4ng nh\u00e2n \u1edf c\u00e1c khu c\u00f4ng nghi\u1ec7p s\u1ebd ng\u00e0y c\u00e0ng th\u1ea5p.<\/p>\n

\u201cN\u1ebfu t\u00ecnh tr\u1ea1ng ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3 k\u00e9o d\u00e0i, ti\u1ec1n kh\u00f4ng quay l\u1ea1i c\u00e1c doanh nghi\u1ec7p cho vay, th\u00ec ch\u1eafc ch\u1eafn t\u1edbi \u0111\u00e2y, nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1ed1n, v\u00ec c\u00e1c c\u00f4ng ty n\u00e0y s\u1ebd si\u1ebft ch\u1eb7t \u0111i\u1ec1u ki\u1ec7n cho vay. \u0110i\u1ec1u n\u00e0y \u0111i ng\u01b0\u1ee3c l\u1ea1i v\u1edbi m\u1ee5c ti\u00eau ph\u1ee7 s\u00f3ng t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n m\u00e0 Ch\u00ednh ph\u1ee7 \u0111ang h\u01b0\u1edbng t\u1edbi\u201d, l\u00e3nh \u0111\u1ea1o VNBA c\u1ea3nh b\u00e1o.<\/p>\n

(C\u00f2n ti\u1ebfp)<\/p>\n

Tr\u1ea7n M\u1ea1nh<\/strong><\/p>\n

————-<\/em><\/p>\n

\u0110\u1ea7u t\u01b0 (T\u00e0i ch\u00ednh) 09-9-2023:<\/em><\/strong><\/p>\n

https:\/\/baodautu.vn\/khoang-trong-phap-ly-day-hang-loat-doanh-nghiep-cho-vay-vao-khon-kho—ky-1-vang-thau-lan-lon-ke-co-toc-chiu-don-d198073.html<\/em><\/a><\/p>\n

(<\/em>87\/2.165<\/em>) #Fintech<\/em>","protected":false},"excerpt":{"rendered":"

Kho\u1ea3ng tr\u1ed1ng ph\u00e1p l\u00fd \u0111\u1ea9y h\u00e0ng lo\u1ea1t doanh nghi\u1ec7p (DN) cho vay v\u00e0o kh\u1ed1n kh\u00f3 – K\u1ef3 1: V\u00e0ng thau l\u1eabn l\u1ed9n, \u201ck\u1ebb c\u00f3 t\u00f3c\u201d ch\u1ecbu \u0111\u00f2n (\u0110T) – Sa th\u1ea3i \u0111\u1ebfn 30- 50% nh\u00e2n s\u1ef1, n\u1ee3 x\u1ea5u t\u0103ng 20-30%\u2026, nhi\u1ec1u fintech, c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, chu\u1ed7i c\u1ea7m \u0111\u1ed3 \u0111\u1ee9ng tr\u01b0\u1edbc l\u1ef1a ch\u1ecdn […]<\/p>\n","protected":false},"author":1,"featured_media":37827,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[44,36],"class_list":["post-37826","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":"\n3.576. 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