{"id":37951,"date":"2023-09-26T19:48:45","date_gmt":"2023-09-26T12:48:45","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37951"},"modified":"2024-10-16T17:47:47","modified_gmt":"2024-10-16T10:47:47","slug":"3-586-kho-khan-bua-vay-cac-cong-ty-tai-chinh-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-586-kho-khan-bua-vay-cac-cong-ty-tai-chinh-tieu-dung\/","title":{"rendered":"3.586. Kh\u00f3 kh\u0103n b\u1ee7a v\u00e2y c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng"},"content":{"rendered":"

Kh\u00f3 kh\u0103n b\u1ee7a v\u00e2y c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng<\/span><\/h4>\n
(CFF) – <\/strong>D\u00f9 \u0111ang t\u00edch c\u1ef1c gi\u00fap ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c c\u00e1c ngu\u1ed3n v\u1ed1n ch\u00ednh th\u1ee9c, qua \u0111\u00f3 g\u00f3p ph\u1ea7n ng\u0103n ch\u1eb7n v\u00e0 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n do c\u1ea3 y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd ph\u00f9 h\u1ee3p.<\/strong><\/h5>\n

\"Kh\u00f3<\/p>\n

V\u1edbi d\u00e2n s\u1ed1 g\u1ea7n 100 tri\u1ec7u ng\u01b0\u1eddi, t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng m\u1edbi ch\u1ec9 \u1edf m\u1ee9c th\u1ea5p, c\u1ed9ng th\u00eam chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n qu\u1ed1c gia \u0111ang \u0111\u01b0\u1ee3c t\u1eadp trung \u0111\u1ea9y m\u1ea1nh, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ea3nh \u0111\u1ea5t ti\u1ec1m n\u0103ng v\u1edbi nhi\u1ec1u d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n. Tuy nhi\u00ean t\u1eeb kho\u1ea3ng \u0111\u1ea7u n\u0103m 2020, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c t\u1eeb \u0111\u1ea1i d\u1ecbch Covid-19 v\u00e0 s\u1ef1 suy gi\u1ea3m t\u1ed5ng c\u1ea7u.<\/p>\n

Sau \u0111\u1ea1i d\u1ecbch l\u00e0 v\u1ea5n \u0111\u1ec1 xung \u0111\u1ed9t, c\u0103ng th\u1eb3ng \u0111\u1ecba ch\u00ednh tr\u1ecb gi\u1eefa c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi l\u00e0m cho chu\u1ed7i cung \u1ee9ng, chu\u1ed7i ph\u00e2n ph\u1ed1i \u0111\u1ee9t g\u00e3y khi\u1ebfn c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc va\u0300 doanh nghi\u1ec7p FDI ch\u1ecbu t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c.<\/p>\n

\u0110\u01a1n h\u00e0ng gi\u1ea3m, ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u1ea5t vi\u1ec7c bu\u00f4\u0323c ph\u1ea3i th\u1eaft l\u01b0ng bu\u1ed9c b\u1ee5ng, nhu c\u1ea7u ti\u00eau d\u00f9ng gi\u1ea3m \u0111i, t\u1eeb \u0111\u00f3 \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c t\u1edbi th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. Ng\u01b0\u1eddi d\u00e2n h\u1ea1n ch\u1ebf nhu c\u1ea7u vay m\u1edbi \u0111\u1ec3 chi ti\u00eau. Kh\u00e1ch h\u00e0ng \u0111ang c\u00f3 d\u01b0 n\u1ee3 \u0111\u01b0\u0301ng tr\u01b0\u01a1\u0301c nguy c\u01a1 gia\u0309m l\u01b0\u01a1ng, m\u00e2\u0301t vi\u00ea\u0323c la\u0300m n\u00ean kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/p>\n

Nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng di\u1ec5n ra c\u00f9ng m\u1ed9t l\u00fac khi\u1ebfn th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng r\u01a1i v\u00e0o c\u00fa shock l\u1edbn nh\u1ea5t t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay.<\/p>\n

B\u00e1o c\u00e1o k\u1ebft qu\u1ea3 kinh doanh m\u1edbi \u0111\u00e2y cho th\u1ea5y m\u1ed9t b\u1ee9c tranh kh\u00f4ng m\u1ea5y s\u00e1ng s\u1ee7a c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh khi l\u1ee3i nhu\u1eadn c\u1ee7a nhi\u1ec1u \u0111\u01a1n v\u1ecb s\u1ee5t gi\u1ea3m s\u00e2u, th\u1eadm ch\u00ed l\u1ed7 l\u1edbn.<\/p>\n

Trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2023, FE Credit \u2013 doanh nghi\u1ec7p c\u00f3 th\u1ecb ph\u1ea7n l\u1edbn nh\u1ea5t th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng – ghi nh\u1eadn kho\u1ea3n l\u1ed7 sau thu\u1ebf t\u1edbi 2.996 t\u1ef7 \u0111\u1ed3ng, v\u01b0\u1ee3t xa t\u1ed5ng l\u1ed7 sau thu\u1ebf c\u1ea3 n\u0103m 2022 l\u00e0 2.376 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

L\u1ee3i nhu\u1eadn sau thu\u1ebf Home Credit Vi\u1ec7t Nam trong n\u1eeda \u0111\u1ea7u n\u0103m c\u0169ng ch\u1ec9 \u0111\u1ea1t 211,5 t\u1ef7 \u0111\u1ed3ng. Tr\u01b0\u1edbc \u0111\u00f3, Home Credit b\u00e1o l\u00e3i 1.189 t\u1ef7 \u0111\u1ed3ng cho c\u1ea3 n\u0103m 2022.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, l\u1ee3i nhu\u1eadn sau thu\u1ebf c\u1ee7a MCredit gi\u1ea3m 32% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2022, xu\u1ed1ng c\u00f2n 328 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

C\u00f4ng ty HD Saison v\u1edbi b\u1ec1 d\u00e0y 15 n\u0103m ho\u1ea1t \u0111\u1ed9ng trong ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u kh\u00f3 kh\u0103n. Theo c\u00f4ng b\u1ed1 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2023 t\u1eeb HDBank, l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf c\u1ee7a HD Saison s\u1ee5t gi\u1ea3m, ch\u1ec9 \u0111\u1ea1t 314 t\u1ef7 \u0111\u1ed3ng, b\u1eb1ng m\u1ed9t n\u1eeda so v\u1edbi con s\u1ed1 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2022.<\/p>\n

Kh\u00f4ng ch\u1ec9 \u0111i l\u00f9i v\u1ec1 l\u1ee3i nhu\u1eadn, quy m\u00f4 d\u01b0 n\u1ee3 v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng c\u00f3 xu h\u01b0\u1edbng thu h\u1eb9p v\u00e0 n\u1ee3 x\u1ea5u gia t\u0103ng. Theo s\u1ed1 li\u1ec7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, cho thu\u00ea \u0111\u00e3 gi\u1ea3m 5,58% trong n\u1eeda \u0111\u1ea7u n\u0103m xu\u1ed1ng c\u00f2n 293.537 t\u1ef7 \u0111\u1ed3ng. Trong khi t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u theo \u01b0\u1edbc t\u00ednh c\u1ee7a Fitch Ratings \u0111\u00e3 t\u0103ng l\u00ean 13% t\u1eeb m\u1ee9c 11% v\u00e0o cu\u1ed1i n\u0103m 2022.<\/p>\n

“Kh\u1ed1n \u0111\u1ed1n” v\u00ec thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd<\/strong><\/p>\n

Ngo\u00e0i c\u00e1c y\u1ebfu t\u1ed1 mang t\u00ednh v\u0129 m\u00f4 v\u00e0 chu k\u1ef3 kinh t\u1ebf, m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n quan tr\u1ecdng khi\u1ebfn c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng g\u1eb7p kh\u00f3 trong th\u1eddi gian qua l\u00e0 vi\u1ec7c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng v\u00e0 quan \u0111i\u1ec3m kh\u00f4ng t\u00edch c\u1ef1c c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

Chia s\u1ebb t\u1ea1i m\u1ed9t di\u1ec5n \u0111\u00e0n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng g\u1ea7n \u0111\u00e2y, l\u00e3nh \u0111\u1ea1o c\u00f4ng ty t\u00e0i ch\u00ednh cho bi\u1ebft: Hi\u1ec7n nay , kh\u00e1ch h\u00e0ng \u0111ang c\u00f3 xu h\u01b0\u1edbng ti\u00eau c\u1ef1c h\u00f3a tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng d\u01b0\u1edbi c\u1ea3 g\u00f3c \u0111\u1ed9 ch\u1ee7 quan l\u1eabn kh\u00e1ch quan. V\u1ec1 ch\u1ee7 quan, c\u00f3 \u0111\u1ed1i t\u01b0\u1ee3ng gian l\u1eadn l\u1eeba \u0111\u1ea3o, c\u00f3 nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ed5 x\u00fay tr\u00ean truy\u1ec1n th\u00f4ng v\u1ec1 qu\u1ef5t n\u1ee3\u2026 \u1ede g\u00f3c \u0111\u1ed9 kh\u00e1ch quan, c\u00f3 nh\u00f3m kh\u00e1ch h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi Covid-19 m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, c\u00f2n kh\u00e1ch h\u00e0ng t\u1ed1t v\u1ed1n \u0111\u00e3 hi\u1ebfm r\u1ed3i c\u00f2n b\u1ecb thu h\u1eb9p b\u1edfi c\u1ea1nh tranh\u2026<\/p>\n

\u0110\u1ea1i di\u1ec7n c\u00f4ng ty tr\u00ean nh\u00ecn nh\u1eadn, di\u1ec5n bi\u1ebfn n\u00e0y d\u1eabn \u0111\u1ebfn nguy c\u01a1 c\u00e1c nh\u00f3m kh\u00e1ch h\u00e0ng chuy\u1ec3n d\u1ecbch ng\u00e0y m\u1ed9t x\u1ea5u h\u01a1n. Trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay, kh\u00e1ch h\u00e0ng r\u1ea5t d\u1ec5 h\u00ecnh th\u00e0nh suy ngh\u0129 t\u1ea1i sao m\u00ecnh ph\u1ea3i tr\u1ea3 n\u1ee3 trong khi nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng tr\u1ea3 n\u1ee3 v\u1eabn kh\u00f4ng b\u1ecb ph\u1ea1t g\u00ec?<\/p>\n

\u201cDoanh nghi\u1ec7p ph\u1ea3i \u0111\u1ee9ng tr\u01b0\u1edbc c\u00e2u h\u1ecfi v\u1ec1 vi\u1ec7c c\u00f3 n\u00ean ti\u1ebfp t\u1ee5c cho vay v\u1edbi nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y kh\u00f4ng? N\u1ebfu c\u00f4ng ty kh\u00f4ng ti\u1ebfp t\u1ee5c cho vay th\u00ec nh\u00e2n vi\u00ean s\u1ebd m\u1ea5t vi\u1ec7c nhi\u1ec1u. Ng\u00e2n h\u00e0ng ch\u00ednh th\u1ed1ng kh\u00f4ng d\u00e1m cho vay, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111en s\u1ebd nh\u00e2n c\u01a1 h\u1ed9i \u0111\u1ec3 b\u00f9ng l\u00ean\u201d, l\u00e3nh \u0111\u1ea1o c\u00f4ng ty t\u00e0i ch\u00ednh n\u00e0y chia s\u1ebb.<\/p>\n

Theo \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), th\u1eddi \u0111i\u1ec3m n\u00e0y l\u00e0 giai \u0111o\u1ea1n kh\u00f3 kh\u0103n nh\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh sau khi ng\u1ea5m \u0111\u00f2n t\u1eeb d\u1ecbch Covid-19 v\u00e0 h\u1ec7 l\u1ee5y do kh\u00f3 kh\u0103n c\u1ee7a kinh t\u1ebf k\u00e9o d\u00e0i t\u1eeb n\u0103m ngo\u00e1i \u0111\u1ebfn nay, nh\u1ea5t l\u00e0 ho\u1ea1t \u0111\u1ed9ng thu n\u1ee3.<\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd, t\u1ec9 l\u1ec7 kh\u00e1ch vay kh\u00f4ng tr\u1ea3 n\u1ee3, th\u1eadm ch\u00ed r\u1ee7 nhau “b\u00f9ng n\u1ee3” ng\u00e0y c\u00e0ng cao trong khi ch\u1ebf t\u00e0i v\u1edbi kh\u00e1ch h\u00e0ng n\u00e0y ch\u01b0a c\u00f3 v\u00e0 vi\u1ec7c kh\u1edfi ki\u1ec7n c\u00e0ng kh\u00f3 th\u1ef1c hi\u1ec7n v\u00ec \u0111a s\u1ed1 c\u00e1c kho\u1ea3n n\u1ee3 gi\u00e1 tr\u1ecb th\u1ea5p. Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh hi\u1ec7n kh\u00f4ng d\u00e1m m\u1ea1nh tay cho vay ti\u00eau d\u00f9ng v\u00ec lo kh\u00f3 thu h\u1ed3i n\u1ee3.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, hi\u1ec7n nay th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam v\u1eabn \u0111ang thi\u1ebfu m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ee7 s\u1ee9c v\u1eeba ch\u1ebf t\u00e0i, qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c vi\u1ec7c c\u00e1c doanh nghi\u1ec7p cho vay sai quy \u0111\u1ecbnh c\u0169ng nh\u01b0 v\u1eeba b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c nh\u1eefng doanh nghi\u1ec7p l\u00e0m \u0111\u00fang, t\u1ea1o ra s\u1ef1 ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n

Theo 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>, t\u1eeb nh\u1eefng di\u1ec5n bi\u1ebfn tr\u00ean th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng th\u1eddi gian qua, c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n t\u00e1ch b\u1ea1ch ho\u1ea1t \u0111\u1ed9ng \u0111\u00f2i n\u1ee3 thu\u00ea sai ph\u1ea1m v\u00e0 d\u1ecbch v\u1ee5 thu h\u1ed3i n\u1ee3 b\u00ecnh th\u01b0\u1eddng c\u0169ng nh\u01b0 c\u1ea7n chuy\u00ean nghi\u1ec7p ho\u00e1 \u0111\u1ec3 qu\u1ea3n l\u00fd, thay v\u00ec c\u1ea5m. C\u1ea7n ch\u1ea5p thu\u1eadn thu h\u1ed3i n\u1ee3 nh\u01b0 m\u1ed9t d\u1ecbch v\u1ee5 ch\u00ednh th\u1ee9c, \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt qu\u1ea3n l\u00fd, \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi vay ti\u1ec1n v\u00e0 c\u1ea3 doanh nghi\u1ec7p cho vay.<\/em><\/p>\n

“C\u1ea7n chuy\u00ean nghi\u1ec7p ho\u00e1 \u0111\u1ec3 qu\u1ea3n l\u00fd, thay v\u00ec c\u1ea5m \u0111\u1ec3 x\u1ea3y ra bi\u1ebfn t\u01b0\u1edbng trong ho\u1ea1t \u0111\u1ed9ng thu h\u1ed3i n\u1ee3” , Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0n\u00eau quan \u0111i\u1ec3m.<\/em><\/p>\n

Theo \u00f4ng \u0110\u1ee9c, v\u1ec1 nguy\u00ean t\u1eafc, m\u1ecdi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n \u0111\u1ec1u b\u00ecnh \u0111\u1eb3ng tr\u01b0\u1edbc ph\u00e1p lu\u1eadt, vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00e2n, c\u1ee5 th\u1ec3 ng\u01b0\u1eddi \u0111i vay l\u00e0 c\u1ea7n thi\u1ebft, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, nh\u01b0ng c\u0169ng c\u1ea7n b\u1ea3o v\u1ec7 c\u1ea3 ng\u01b0\u1eddi cho vay v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3, t\u1ee9c c\u00e1c doanh nghi\u1ec7p cho vay. V\u1ea5n \u0111\u1ec1 to\u00e0n ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng hi\u1ec7n \u0111ang g\u1eb7p v\u01b0\u1edbng l\u00e0 t\u00ednh ph\u00e1p l\u00fd trong thu h\u1ed3i n\u1ee3.<\/em><\/p>\n

Trong m\u1ed9t b\u00e1o c\u00e1o g\u1ea7n \u0111\u00e2y, t\u1ed5 ch\u1ee9c x\u1ebfp h\u1ea1ng qu\u1ed1c t\u1ebf Fitch Ratings c\u0169ng nh\u1eadn \u0111\u1ecbnh: Vi\u1ec7c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng v\u00e0 h\u00ecnh th\u1ee9c thu h\u1ed3i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p c\u00f3 th\u1ec3 gi\u00fap c\u1ee7ng c\u1ed1 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong trung-d\u00e0i h\u1ea1n. Tuy nhi\u00ean, v\u1edbi s\u1ef1 gia t\u0103ng ho\u1ea1t \u0111\u1ed9ng b\u00f9ng n\u1ee3 c\u1ee7a m\u1ed9t b\u1ed9 ph\u1eadn ng\u01b0\u1eddi \u0111i vay trong th\u1eddi gian v\u1eeba qua \u2013 l\u1ee3i d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng thanh\/ki\u1ec3m tra c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 sai ph\u1ea1m \u0111\u1ec3 \u0111\u00e1nh \u0111\u1ed3ng ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng v\u1edbi t\u00edn d\u1ee5ng \u0111en nh\u1eb1m tr\u1ed1n tr\u00e1nh tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3, ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng s\u1ebd ti\u1ebfp t\u1ee5c g\u1eb7p kh\u00f3 kh\u0103n. Tri\u1ec3n v\u1ecdng thu h\u1ed3i n\u1ee3 \u0111\u1ed1i v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng c\u1ed1 t\u00ecnh ch\u00e2y \u1ef3 kh\u00f4ng tr\u1ea3 n\u1ee3 g\u1ea7n b\u1eb1ng kh\u00f4ng, khi t\u00ednh ch\u1ea5t c\u1ee7a c\u00e1c kho\u1ea3n vay l\u00e0 t\u00edn ch\u1ea5p, nh\u1ecf l\u1ebb, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o v\u00e0 c\u00e1c th\u00e1ch th\u1ee9c g\u1eb7p ph\u1ea3i khi kh\u1edfi ki\u1ec7n c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y.<\/p>\n

M\u1ea1nh \u0110\u1ee9c<\/strong><\/p>\n

————-<\/em><\/p>\n

CafeF (Ng\u00e2n<\/em><\/strong> h\u00e0ng<\/em><\/strong>) ng\u00e0y <\/em><\/strong>26-9<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/cafef.vn\/kho-khan-bua-vay-cac-cong-ty-tai-chinh-tieu-dung-188230926185827142.chn<\/a> <\/em><\/p>\n

(<\/em>202\/1.477<\/em>) #TCTD #Fintech<\/em>","protected":false},"excerpt":{"rendered":"

Kh\u00f3 kh\u0103n b\u1ee7a v\u00e2y c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng (CFF) – D\u00f9 \u0111ang t\u00edch c\u1ef1c gi\u00fap ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c c\u00e1c ngu\u1ed3n v\u1ed1n ch\u00ednh th\u1ee9c, qua \u0111\u00f3 g\u00f3p ph\u1ea7n ng\u0103n ch\u1eb7n v\u00e0 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n do […]<\/p>\n","protected":false},"author":1,"featured_media":37952,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[36],"class_list":["post-37951","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":"\n3.586. 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