{"id":4259,"date":"2021-03-25T09:22:47","date_gmt":"2021-03-25T02:22:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4259"},"modified":"2022-01-27T09:33:10","modified_gmt":"2022-01-27T02:33:10","slug":"3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/","title":{"rendered":"3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n"},"content":{"rendered":"(\u0110T) – 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.<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
T\u1ecda \u0111\u00e0m\u00a0T\u00e0i ch\u00ednh<\/a>\u00a0ti\u00eau d\u00f9ng<\/a>\u00a0s\u00e1ng 25\/3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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.<\/p>\n

T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1edbi tr\u1ee5 c\u1ed9t l\u00e0 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u00e3 th\u1ef1c s\u1ef1 gi\u00fap \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, gi\u00fap nhi\u1ec1u c\u00e1 nh\u00e2n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n t\u00e0i ch\u00ednh ch\u00ednh th\u1ee9c, t\u0103ng ti\u00eau d\u00f9ng x\u00e3 h\u1ed9i v\u00e0 gi\u00e1n ti\u1ebfp th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t trong n\u01b0\u1edbc. \u0110\u1eb7c bi\u1ec7t, khi c\u00e1c ho\u1ea1t \u0111\u1ed9ng\u00a0kinh t\u1ebf<\/a>\u00a0x\u00e3 h\u1ed9i ch\u1ecbu \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c b\u1edfi \u0111\u1ea1i d\u1ecbch Covid-19, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c vai tr\u00f2 h\u1eefu hi\u1ec7u trong c\u1ea3i thi\u1ec7n \u0111\u1eddi s\u1ed1ng d\u00e2n sinh, gi\u00fap nhi\u1ec1u ng\u01b0\u1eddi kh\u1eafc ph\u1ee5c kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh t\u1ea1m th\u1eddi.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Bu\u1ed5i t\u1ecda \u0111\u00e0m nh\u1eb1m cung c\u1ea5p c\u00e1c th\u00f4ng tin h\u1eefu \u00edch t\u1edbi b\u1ea1n \u0111\u1ecdc v\u1ec1 vai tr\u00f2 c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng sau h\u01a1n m\u1ed9t th\u1eadp ni\u00ean ph\u00e1t tri\u1ec3n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nh\u1eb1m cung c\u1ea5p c\u00e1c th\u00f4ng tin h\u1eefu \u00edch t\u1edbi b\u1ea1n \u0111\u1ecdc v\u00e0 c\u1ed9ng \u0111\u1ed3ng v\u1ec1 vai tr\u00f2 v\u00e0 th\u1ef1c tr\u1ea1ng c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng sau h\u01a1n th\u1eadp ni\u00ean ph\u00e1t tri\u1ec3n, c\u0169ng nh\u01b0 nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u1ea7n l\u00e0m s\u00e1ng t\u1ecf, c\u00e1c khung kh\u1ed5 ph\u00e1p l\u00fd c\u1ea7n ho\u00e0n thi\u1ec7n…, B\u00e1o \u0110\u1ea7u t\u01b0 ti\u1ebfp t\u1ee5c t\u1ed5 ch\u1ee9c cu\u1ed9c T\u1ecda \u0111\u00e0m th\u01b0\u1eddng ni\u00ean n\u0103m th\u1ee9 5 v\u1edbi ch\u1ee7 \u0111\u1ec1\u00a0\u201c<\/em>T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u2013 S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n<\/em><\/strong>\u201d.<\/em><\/p>\n

\u00a0<\/em><\/p>\n

03\/25\/2021 09:19<\/p>\n

Ph\u00e1t bi\u1ec3u khai m\u1ea1c t\u1ecda \u0111\u00e0m, \u00f4ng L\u00ea Tr\u1ecdng Minh, T\u1ed5ng bi\u00ean t\u1eadp B\u00e1o \u0110\u1ea7u t\u01b0 cho bi\u1ebft, t\u1ea1i bu\u1ed5i T\u1ecda \u0111\u00e0m v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u00e1ng 5\/2020, c\u0169ng t\u1ea1i h\u1ed9i tr\u01b0\u1eddng n\u00e0y, c\u00e1c chuy\u00ean gia \u0111\u00e3 c\u00f9ng chia s\u1ebb nh\u1eadn th\u1ee9c chung r\u1eb1ng \u0111\u1ea1i d\u1ecbch Covid-19 n\u1ebfu k\u00e9o d\u00e0i s\u1ebd c\u00f3 \u1ea3nh h\u01b0\u1edfng s\u00e2u r\u1ed9ng t\u1edbi nhi\u1ec1u m\u1eb7t c\u1ee7a \u0111\u1eddi s\u1ed1ng kinh t\u1ebf x\u00e3 h\u1ed9i, v\u00e0 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng s\u1ebd l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p h\u1eefu hi\u1ec7u \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00e2n v\u01b0\u1ee3t qua nh\u1eefng kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh tr\u01b0\u1edbc m\u1eaft, c\u00f3 th\u1eddi gian th\u00edch \u1ee9ng h\u01a1n v\u1edbi tr\u1ea1ng th\u00e1i b\u00ecnh th\u01b0\u1eddng m\u1edbi.<\/p>\n

Sau 10 th\u00e1ng k\u1ec3 t\u1eeb cu\u1ed9c t\u1ecda \u0111\u00e0m l\u1ea7n tr\u01b0\u1edbc, d\u1ef1 b\u00e1o c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c chuy\u00ean gia v\u00e0 doanh nghi\u1ec7p v\u1edbi ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong k\u1ecbch b\u1ea3n d\u1ecbch Covid c\u00f2n k\u00e9o d\u00e0i \u0111\u00e3 x\u1ea3y ra tr\u00ean th\u1ef1c t\u1ebf.<\/p>\n

\u0110i\u1ec1u \u0111\u00f3 cho th\u1ea5y gi\u00e1 tr\u1ecb c\u1ee7a nh\u1eefng cu\u1ed9c th\u1ea3o lu\u1eadn nh\u01b0 h\u00f4m nay l\u00e0 r\u1ea5t l\u1edbn. \u201cC\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u00e0 ch\u00fang ta \u0111\u1ec1 c\u1eadp nhi\u1ec1u n\u0103m tr\u01b0\u1edbc nh\u01b0 truy\u1ec1n th\u00f4ng v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, t\u1ef7 l\u1ec7 an to\u00e0n n\u00e0o l\u00e0 ph\u00f9 h\u1ee3p trong c\u01a1 c\u1ea5u cho vay ti\u00eau d\u00f9ng, gi\u1ea3i ph\u00e1p n\u00e0o \u0111\u1ec3 h\u1ed7 tr\u1ee3 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, ph\u01b0\u01a1ng th\u1ee9c thu h\u1ed3i n\u1ee3 h\u1ee3p l\u00fd c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng\u2026, t\u1ea5t c\u1ea3 \u0111\u1ebfn h\u00f4m nay \u0111\u00e3 \u0111\u01b0\u1ee3c hi\u1ec7n th\u1ef1c h\u00f3a trong ch\u00ednh s\u00e1ch v\u00e0 th\u00e0nh c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh c\u1ee5 th\u1ec3 trong h\u00e0nh \u0111\u1ed9ng c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd\u201d, \u00f4ng Minh kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

\u00a0<\/em><\/p>\n

25\/03\/2021 09:24<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u00d4ng L\u00ea Tr\u1ecdng Minh, T\u1ed5ng bi\u00ean t\u1eadp B\u00e1o \u0110\u1ea7u t\u01b0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00d4ng L\u00ea Tr\u1ecdng Minh cho bi\u1ebft, 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 \u2018t\u00edn d\u1ee5ng \u0111en\u2019\u201d.<\/p>\n

“\u0110\u00e2y l\u00e0 nhi\u1ec7m v\u1ee5 v\u00e0 l\u00e0 c\u00f4ng vi\u1ec7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111ang th\u1ef1c hi\u1ec7n t\u00edch c\u1ef1c nhi\u1ec1u n\u0103m qua, v\u00e0 ch\u1eafc ch\u1eafn s\u1ebd c\u00f2n ph\u1ea3i th\u1ef1c hi\u1ec7n t\u1ed1t h\u01a1n n\u1eefa trong th\u1eddi gian t\u1edbi”, T\u1ed5ng bi\u00ean t\u1eadp B\u00e1o \u0110\u1ea7u t\u01b0 nh\u1eadn \u0111\u1ecbnh.<\/p>\n

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

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.<\/p>\n

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. Nh\u01b0ng nh\u01b0 ch\u00fang ta nhi\u1ec1u l\u1ea7n t\u1eebng \u0111\u1ec1 c\u1eadp t\u1ea1i c\u00e1c cu\u1ed9c t\u1ecda \u0111\u00e0m n\u00e0y, v\u1ec1 l\u00e2u d\u00e0i, vai tr\u00f2 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh trong vi\u1ec7c ung c\u1ea5p c\u00e1c kho\u1ea3n vay c\u1ea7n ph\u1ea3i t\u0103ng h\u01a1n n\u1eefa v\u00ec nh\u1eefng \u01b0u \u0111i\u1ec3m ri\u00eang c\u00f3 v\u00e0 s\u1ef1 chuy\u00ean m\u00f4n h\u00f3a cao c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong ph\u1ee5c v\u1ee5 c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n

Nh\u00ecn l\u1ea1i 1 n\u0103m kinh t\u1ebf Vi\u1ec7t Nam ch\u1ecbu t\u00e1c \u0111\u1ed9ng c\u1ee7a \u0111\u1ea1i d\u1ecbch Covid-19, v\u00e0 nh\u00ecn d\u00e0i h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n c\u1ee7a l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 th\u1ea5y, ngo\u00e0i nh\u1eefng k\u1ebft qu\u1ea3 r\u1ea5t \u0111\u00e1ng kh\u00edch l\u1ec7 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00ec v\u1eabn c\u1ea7n ph\u1ea3i kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng, s\u1ed1 l\u01b0\u1ee3ng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang ho\u1ea1t \u0111\u1ed9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u01b0a nhi\u1ec1u, t\u1ef7 tr\u1ecdng \u0111\u00f3ng g\u00f3p trong d\u01b0 n\u1ee3 cho vay n\u1ec1n kinh t\u1ebf v\u1eabn c\u00f2n th\u1ea5p, ho\u1ea1t \u0111\u1ed9ng n\u1ed9i t\u1ea1i v\u1eabn c\u1ea7n ph\u1ea3i ho\u00e0n thi\u1ec7n…<\/p>\n

\u00d4ng L\u00ea Tr\u1ecdng Minh cho r\u1eb1ng, \u0111i\u1ec1u n\u00e0y nh\u00ecn \u1edf g\u00f3c \u0111\u1ed9 ph\u00e1t tri\u1ec3n l\u1ea1i g\u1ee3i m\u1edf cho ch\u00fang ta v\u1ec1 m\u1ed9t ti\u1ec1m n\u0103ng th\u1ecb tr\u01b0\u1eddng ch\u01b0a khai th\u00e1c c\u00f2n r\u1ea5t l\u1edbn, ch\u01b0a k\u1ec3 t\u1edbi nhu c\u1ea7u t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi d\u00e2n s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng khi kinh t\u1ebf ph\u00e1t tri\u1ec3n v\u1edbi t\u1ed1c \u0111\u1ed9 cao.<\/p>\n

\u201cT\u1ea5t c\u1ea3 c\u00e1c n\u1ed9i dung m\u00e0 t\u00f4i \u0111\u1ec1 c\u1eadp m\u1edbi ch\u1ec9 l\u00e0 nh\u1eefng n\u00e9t ph\u00e1c h\u1ecda c\u01a1 b\u1ea3n c\u00e1c v\u1ea5n \u0111\u1ec1 c\u01a1 b\u1ea3n v\u00e0 vi\u1ec7c ch\u00fang ta ng\u1ed3i c\u00f9ng v\u1edbi nhau t\u1ea1i \u0111\u00e2y ng\u00e0y h\u00f4m nay kh\u00f4ng ch\u1ec9 l\u00e0 t\u1ed5ng k\u1ebft v\u1ec1 m\u1ed9t ch\u1eb7ng \u0111\u01b0\u1eddng m\u00e0 \u0111i\u1ec1u c\u1ea7n b\u00e0n l\u00e0 l\u00e0m sao \u0111\u1ec3 ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n, \u0111\u00f3ng g\u00f3p l\u1edbn h\u01a1n n\u1eefa v\u00e0o ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, thu h\u00fat th\u00eam c\u00e1c ngu\u1ed3n \u0111\u1ea7u t\u01b0 trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc \u0111\u1ec3 n\u00e2ng cao n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, \u0111\u1ea7u t\u01b0 s\u00e2u cho c\u00f4ng ngh\u1ec7, ho\u00e0n thi\u1ec7n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00ednh m\u00ecnh \u0111\u1ec3 ph\u1ee5c v\u1ee5 t\u1ed1t h\u01a1n n\u1eefa nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi d\u00e2n\u201d, \u00f4ng Minh n\u00f3i.<\/p>\n

\u00d4ng Minh nh\u1ea5n m\u1ea1nh: \u201cCh\u1ee7 \u0111\u1ec1 c\u1ee7a bu\u1ed5i T\u1ecda \u0111\u00e0m ng\u00e0y h\u00f4m nay l\u00e0\u00a0\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<\/em>, th\u1ec3 hi\u1ec7n mong mu\u1ed1n c\u1ee7a B\u00e1o \u0110\u1ea7u t\u01b0 v\u1edbi t\u01b0 c\u00e1ch t\u1edd b\u00e1o kinh t\u1ebf t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u, l\u00e0 g\u00f3p m\u1ed9t ti\u1ebfng n\u00f3i \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c k\u00eanh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u00ednh th\u1ee9c t\u1ea1i Vi\u1ec7t Nam\u201d.<\/p>\n

\u00a0<\/em><\/p>\n

03\/25\/2021 09:35<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Quang c\u1ea3nh t\u1ecda \u0111\u00e0m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Tr\u00ecnh b\u00e0y tham lu\u1eadn t\u1ea1i bu\u1ed5i t\u1ecda \u0111\u00e0m,\u00a0b\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.<\/p>\n

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

Cho vay ti\u00eau d\u00f9ng m\u1ed9t m\u1eb7t gi\u00fap \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n chi ti\u00eau, 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.<\/p>\n

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

Tr\u00ean c\u01a1 s\u1edf 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. C\u1ee5 th\u1ec3:<\/p>\n

Th\u1ee9 nh\u1ea5t,\u00a0c\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.<\/p>\n

Ch\u1eb3ng h\u1ea1n, th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN ng\u00e0y 30\/12\/2016 quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng l\u00e0 vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n \u0111\u1ec3 thanh to\u00e1n c\u00e1c chi ph\u00ed cho m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng, sinh ho\u1ea1t c\u1ee7a c\u00e1 nh\u00e2n \u0111\u00f3, gia \u0111\u00ecnh c\u1ee7a c\u00e1 nh\u00e2n \u0111\u00f3.<\/p>\n

Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 30\/12\/2016 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung b\u1edfi Th\u00f4ng t\u01b0 s\u1ed1 18\/2019\/TT-NHNN ng\u00e0y 4\/11\/2019) quy \u0111\u1ecbnhho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c C\u00f4ng ty t\u00e0i ch\u00ednh<\/p>\n

Ho\u1ea1t \u0111\u1ed9ng cho vay th\u00f4ng qua h\u1ea1n m\u1ee9c qua th\u1ebb t\u00edn d\u1ee5ng nh\u1eb1m m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN ng\u00e0y 30\/6\/2016 v\u00e0 c\u00e1c v\u0103n b\u1ea3ns\u1eeda \u0111\u1ed5i b\u1ed5 sung.<\/p>\n

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: (i) \u0110\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); (ii) \u0110\u1ec1 xu\u1ea5t, tr\u00ecnh Ch\u00ednh ph\u1ee7 Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t cho ho\u1ea1t \u0111\u1ed9ng Fintech; Ngh\u1ecb \u0111\u1ecbnh thay th\u1ebf Quy\u1ebft \u0111\u1ecbnh s\u1ed1 20\/2017\/Q\u0110-TTg v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh vi m\u00f4.<\/p>\n

\u0110\u1ed3ng th\u1eddi, NHNN theo th\u1ea9m quy\u1ec1n \u0111\u00e3 ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd ph\u00f9 h\u1ee3p \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m, m\u00f4 h\u00ecnh, d\u1ecbch v\u1ee5, ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n m\u1edbi g\u1eafn v\u1edbi c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0 nh\u01b0: ng\u00e2n h\u00e0ng s\u1ed1, c\u00f4ng ngh\u1ec7 \u0111\u1ecbnh danh v\u00e0 nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed, quy \u0111\u1ecbnh v\u1ec1 m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a c\u00e1 nh\u00e2n b\u1eb1ng ph\u01b0\u01a1ng th\u1ee9c \u0111i\u1ec7n t\u1eed – eKYC, \u0111ang nghi\u00ean c\u1ee9u, t\u00ecm hi\u1ec3u c\u00f4ng ngh\u1ec7 Blockchain \u1ee9ng d\u1ee5ng trong l\u0129nh v\u1ef1c thanh to\u00e1n; \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 d\u1eef li\u1ec7u l\u1edbn (Big Data), tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) v\u00e0o m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n

Th\u1ee9 hai,\u00a0c\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

C\u1ee5 th\u1ec3, ch\u1ec9 \u0111\u1ea1o TCTD m\u1edf r\u1ed9ng, \u0111a d\u1ea1ng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng, gi\u1ea3m l\u00e3i su\u1ea5t, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c cho vay nh\u1eb1m t\u0103ng c\u01b0\u1eddng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng qua c\u00e1c k\u00eanh ch\u00ednh th\u1ee9c, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi ng\u01b0\u1eddi d\u00e2n \u1edf n\u00f4ng th\u00f4n, v\u00f9ng s\u00e2u, v\u00f9ng xa nh\u01b0: cho vay qua s\u1ed5 t\u00edn d\u1ee5ng, vay v\u1ed1n th\u00f4ng qua c\u00e1c T\u1ed5, nh\u00f3m c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i, cho vay, thu n\u1ee3 ngay t\u1ea1i \u0111\u1ecba b\u00e0n c\u1ee7a ng\u01b0\u1eddi vay, tri\u1ec3n khai \u0111i\u1ec3m giao d\u1ecbch l\u01b0u \u0111\u1ed9ng b\u1eb1ng \u00f4 t\u00f4 chuy\u00ean d\u1ee5ng…<\/p>\n

\u0110\u1eb7c bi\u1ec7t, Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n \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; ch\u01b0\u01a1ng tr\u00ecnh cho vay th\u1ebb th\u1ea5u chi t\u1ea1i th\u1ecb tr\u01b0\u1eddng n\u00f4ng th\u00f4n (s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5).<\/p>\n

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

\u0110\u1ebfn nay, to\u00e0n h\u1ec7 th\u1ed1ng \u0111\u00e3 c\u00f3 183 TCTD v\u00e0 g\u1ea7n 1.200 qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n; 22 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng v\u1edbi 13 chi nh\u00e1nh, 43 v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n v\u00e0 53.516 \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 t\u1ea1i 63\/63 t\u1ec9nh, th\u00e0nh ph\u1ed1; 4 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng v\u1edbi 61 chi nh\u00e1nh, 53 PGD t\u1ea1i 23 t\u1ec9nh, th\u00e0nh ph\u1ed1.<\/p>\n

NHNN c\u0169ng \u0111\u00e3 tr\u00ecnh Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh s\u1ed1 149\/Q\u0110-TTg ng\u00e0y 22\/1\/2020 v\u1ec1 vi\u1ec7c 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, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030, v\u1edbi m\u1ed9t h\u1ec7 th\u1ed1ng c\u00e1c nhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p nh\u1eb1m m\u1ee5c ti\u00eau m\u1ecdi ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p \u0111\u1ec1u \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u00e0 s\u1eed d\u1ee5ng an to\u00e0n, thu\u1eadn ti\u1ec7n c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p nhu c\u1ea7u, v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd, do c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p cung \u1ee9ng m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 b\u1ec1n v\u1eefng.<\/p>\n

Ngo\u00e0i ra, NHNN c\u00f2n tri\u1ec3n khai \u0111\u1ed3ng b\u1ed9 c\u00e1c gi\u1ea3i ph\u00e1p h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00e2n b\u1ecb t\u00e1c \u0111\u1ed9ng b\u1edfi d\u1ecbch Covid-19. Ch\u1eb3ng h\u1ea1n, t\u1eeb \u0111\u1ea7u n\u0103m 2020 \u0111\u1ebfn nay, NHNN \u0111\u00e3 gi\u1ea3m li\u00ean ti\u1ebfp 3 l\u1ea7n gi\u1ea3m c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh v\u1edbi t\u1ed5ng m\u1ee9c gi\u1ea3m t\u1eeb 1,5% – 2%\/n\u0103m, gi\u1ea3m 0,6% – 1,0%\/n\u0103m tr\u1ea7n l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00e1 nh\u00e2n k\u1ef3 h\u1ea1n d\u01b0\u1edbi 6 th\u00e1ng; gi\u1ea3m 1,5% tr\u1ea7n l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n \u0111\u1ed1i v\u1edbi c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean (hi\u1ec7n nay ch\u1ec9 c\u00f2n 4,5%\/n\u0103m) \u0111\u1ec3 gi\u1ea3m m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho kh\u00e1ch h\u00e0ng ti\u1ebfp c\u1eadn v\u1ed1n vay v\u1edbi chi ph\u00ed th\u1ea5p.<\/p>\n

Ban h\u00e0nh Th\u00f4ng t\u01b0 01\/2020\/TT-NHNN v\u1ec1 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, mi\u1ec5n, gi\u1ea3m l\u00e3i, ph\u00ed, gi\u1eef nguy\u00ean nh\u00f3m n\u1ee3 cho kh\u00e1ch h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi d\u1ecbch Covid-19, theo \u0111\u00f3 to\u00e0n ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, mi\u1ec5n, gi\u1ea3m l\u00e3i vay, cho vay m\u1edbi kh\u00f4i ph\u1ee5c s\u1ea3n xu\u1ea5t, kinh doanh, t\u00e1i thi\u1ebft cu\u1ed9c s\u1ed1ng cho ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p, trong \u0111\u00f3 c\u00f3 c\u00e1c kho\u1ea3n cho vay ti\u00eau d\u00f9ng.<\/p>\n

Tri\u1ec3n khai cho vay t\u00e1i c\u1ea5p v\u1ed1n \u0111\u1ec3 cho vay l\u00e3i su\u1ea5t 0% \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng b\u1ecb ng\u1eebng vi\u1ec7c cho d\u1ecbch Covid-19. Ho\u00e0n thi\u1ec7n c\u01a1 ch\u1ebf h\u1ed7 tr\u1ee3 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch ti\u1ebfp c\u1eadn v\u1ed1n: gia h\u1ea1n ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi h\u1ed9 m\u1edbi tho\u00e1t ngh\u00e8o, n\u00e2ng m\u1ee9c cho vay. ch\u1ec9 \u0111\u1ea1o NHCSXH ho\u00e0n thi\u1ec7n Ph\u01b0\u01a1ng \u00e1n m\u1edf r\u1ed9ng cho vay ti\u00eau d\u00f9ng.<\/p>\n

Th\u1eddi gian qua, NHNN c\u0169ng \u0111\u00e3 c\u00f9ng v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng t\u0103ng c\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng truy\u1ec1n th\u00f4ng v\u1ec1 c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch cho vay, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111\u1ebfn \u0111\u00f4ng \u0111\u1ea3o ng\u01b0\u1eddi d\u00e2n, gi\u00fap ng\u01b0\u1eddi d\u00e2n c\u00f3 \u0111\u1ea7y \u0111\u1ee7 ki\u1ebfn th\u1ee9c c\u1ea7n thi\u1ebft, d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng ch\u00ednh th\u1ee9c, g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, NHNN \u0111\u00e3 t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t, ch\u1ec9 \u0111\u1ea1o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng tri\u1ec3n khai \u0111\u1ed3ng b\u1ed9 c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng minh b\u1ea1ch ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, H\u1ed9i \u0111\u1ed3ng Hi\u1ec7p h\u1ed9i ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 ban h\u00e0nh B\u1ed9 chu\u1ea9n m\u1ef1c \u0111\u1ea1o \u0111\u1ee9c ngh\u1ec1 nghi\u1ec7p v\u00e0 quy t\u1eafc \u1ee9ng x\u1eed c\u1ee7a c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng, t\u1eadp trung 3 nhi\u1ec7m v\u1ee5: Truy\u1ec1n th\u00f4ng – V\u1eadn \u0111\u1ed9ng \u2013 \u0110\u00e0o t\u1ea1o (giai \u0111o\u1ea1n 2019-2021).<\/p>\n

\u00a0<\/em><\/p>\n

25\/03\/2021 09:41<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
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)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo b\u00e1o c\u00e1o v\u1ec1 M\u00f4i tr\u01b0\u1eddng kinh doanh 2020 do Nh\u00f3m Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi (WB) c\u00f4ng b\u1ed1, ch\u1ec9 s\u1ed1 Ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a Vi\u1ec7t Nam l\u00e0 1 trong 5 ch\u1ec9 s\u1ed1 \u0111\u01b0\u1ee3c n\u00e2ng h\u1ea1ng, t\u0103ng 5 \u0111i\u1ec3m v\u00e0 t\u0103ng 7 b\u1eadc so v\u1edbi b\u00e1o c\u00e1o tr\u01b0\u1edbc, \u0111\u1ee9ng th\u1ee9 2 trong c\u00e1c n\u01b0\u1edbc ASEAN (sau Brunei), \u0111\u1ee9ng 25\/190 n\u1ec1n kinh t\u1ebf – v\u01b0\u1ee3t m\u1ee5c ti\u00eau \u0111\u1eb7t ra l\u00e0 t\u0103ng \u00edt nh\u1ea5t 1 b\u1eadc.<\/p>\n

Tuy nhi\u00ean, b\u00e0 T\u00f9ng cho bi\u1ebft, qua theo d\u00f5i ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, c\u1ea7n ph\u1ea3i nh\u00ecn nh\u1eadn th\u1ef1c t\u1ebf r\u1eb1ng, m\u1eb7c d\u00f9 ng\u00e0nh ng\u00e2n h\u00e0ng lu\u00f4n ch\u1ee7 \u0111\u1ed9ng th\u1ef1c hi\u1ec7n \u0111\u1ed3ng b\u1ed9 nhi\u1ec1u gi\u1ea3i ph\u00e1p nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u s\u1ea3n xu\u1ea5t, kinh doanh, ti\u00eau d\u00f9ng ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p, nh\u01b0ng qu\u00e1 tr\u00ecnh c\u1ea5p t\u00edn d\u1ee5ng v\u1eabn g\u1eb7p kh\u00f3 kh\u0103n do c\u00e1c nguy\u00ean nh\u00e2n:<\/p>\n

Th\u1ee9 nh\u1ea5t, 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 \u0111\u1ea3m b\u1ea3o.<\/p>\n

Th\u1ee9 hai, ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng n\u00f3i chung, trong \u0111\u00f3 c\u00f3 cho vay \u0111\u1ed1i v\u1edbi c\u00e1c nhu c\u1ea7u ti\u00eau d\u00f9ng v\u1eabn ph\u1ea3i \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng n\u1ee3, an to\u00e0n v\u1ed1n v\u00e0 an to\u00e0n h\u1ec7 th\u1ed1ng. 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

Th\u1ee9 ba, Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i c\u00f2n ch\u01b0a \u0111\u01b0\u1ee3c b\u1ed5 sung ngu\u1ed3n v\u1ed1n k\u1ecbp th\u1eddi \u0111\u1ec3 cho vay c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng ch\u00ednh s\u00e1ch ph\u1ee5c v\u1ee5 ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi ngh\u00e8o, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh s\u00e1ch, \u0111\u1eb7c bi\u1ec7t l\u00e0 cho vay gi\u1ea3i quy\u1ebft vi\u1ec7c l\u00e0m, cho vay h\u1ecdc sinh, sinh vi\u00ean\u2026 trong khi nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n l\u00e0 r\u1ea5t l\u1edbn.<\/p>\n

Th\u1ee9 t\u01b0, 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. M\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng t\u00ecm \u0111\u1ebfn c\u00e1c k\u00eanh t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c do th\u00f3i quen ti\u00eau d\u00f9ng, m\u1ee5c \u0111\u00edch vay v\u1ed1n kh\u00f4ng h\u1ee3p ph\u00e1p ho\u1eb7c kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n t\u1ea1i c\u00e1c ngu\u1ed3n cung c\u1ea5p t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c, ph\u00e1t s\u1ecbnh nhi\u1ec1u v\u1ee5 vi\u1ec7c tranh ch\u1ea5p, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn danh ti\u1ebfng c\u1ee7a c\u00e1c c\u00f4ng ty ti\u00eau d\u00f9ng do nh\u1ea7m t\u01b0\u1edfng c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n

\u00a0<\/em><\/p>\n

25\/03\/2021 09:41<\/p>\n

B\u00e0 T\u00f9ng cho r\u1eb1ng, \u0111\u1ec3 ph\u00e1t huy c\u00e1c k\u1ebft qu\u1ea3 \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c, trong th\u1eddi gian t\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ed3ng h\u00e0nh v\u00e0 tri\u1ec3n khai quy\u1ebft li\u1ec7t c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ec3 \u0111\u1ea9y m\u1ea1nh \u0111\u1ea7u t\u01b0 t\u00edn d\u1ee5ng c\u00f3 hi\u1ec7u qu\u1ea3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, ti\u00eau d\u00f9ng ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, c\u1ee5 th\u1ec3:<\/p>\n

Th\u1ee9 nh\u1ea5t,\u00a0NHNN 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 ch\u00ednh th\u1ee9c v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i, h\u1ed7 tr\u1ee3 kh\u00f4i ph\u1ee5c n\u1ec1n kinh t\u1ebf sau giai \u0111o\u1ea1n Covid-19; k\u1ecbp th\u1eddi x\u1eed l\u00fd c\u00e1c kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc trong qu\u00e1 tr\u00ecnh cho vay.<\/p>\n

Th\u1ee9 hai, ti\u1ebfp t\u1ee5c r\u00e0 so\u00e1t, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \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

Th\u1ee9 ba,\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

Th\u1ee9 t\u01b0,\u00a0ti\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

\u00a0<\/em><\/p>\n

25\/03\/2021 09:51<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u00d4ng Phan \u0110\u1ee9c Hi\u1ebfu, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng CIEM<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\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 bi\u1ebft, 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 v\u00e0 l\u1ee3i \u00edch r\u1ea5t nhi\u1ec1u.<\/p>\n

C\u00e1ch \u0111\u00e2y 10 n\u0103m ng\u01b0\u1eddi d\u00e2n \u0111\u1ee7 ti\u1ec1n th\u00ec mua c\u00f2n b\u00e2y gi\u1edd l\u00e0 xu h\u01b0\u1edbng vay r\u1ed3i mua ho\u1eb7c th\u1eadm ch\u00ed thu\u00ea v\u1ec1 d\u00f9ng.<\/p>\n

Tuy nhi\u00ean, n\u1ebfu \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en th\u00ec \u00f4ng Hi\u1ebfu cho r\u1eb1ng, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en b\u1edfi c\u00f3 t\u00ednh li\u00ean quan nh\u01b0ng ch\u01b0a ch\u1eafc l\u00e0 c\u00f4ng c\u1ee5 ch\u00ednh.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, \u00f4ng Hi\u1ebfu cho bi\u1ebft, nhi\u1ec1u qu\u1ed1c gia th\u1ed1ng k\u00ea s\u1ed1 li\u1ec7u n\u00e0y h\u00e0ng ng\u00e0y, h\u00e0ng tu\u1ea7n \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh n\u1ec1n kinh t\u1ebf,\u00a0th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t.<\/p>\n

Song theo \u00f4ng Hi\u1ebfu, Nh\u00e0 n\u01b0\u1edbc ki\u1ec3m so\u00e1t c\u00e0ng ch\u1eb7t th\u00ec h\u00ecnh th\u1ee9c phi ch\u00ednh th\u1ee9c c\u00e0ng ph\u00e1t tri\u1ec3n, do \u0111\u00f3 ch\u1ec9 c\u1ea7n \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng n\u00e0y ph\u00e1t tri\u1ec3n t\u1ef1 nhi\u00ean theo nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng l\u00e0 th\u00e0nh c\u00f4ng. “B\u1ea5t k\u1ec3 ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0o c\u0169ng c\u00f3 r\u1ee7i ro, Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng th\u1ec3 can thi\u1ec7p ng\u0103n ch\u1eb7n r\u1ee7i ro n\u00e0y”, \u00f4ng Hi\u1ebfu nh\u1ea5n m\u1ea1nh v\u00e0 l\u00e0m r\u00f5, b\u00ean c\u1ea1nh r\u1ee7i ro c\u1ee7a c\u00e1 nh\u00e2n th\u00ec c\u00f2n c\u00f3 r\u1ee7i ro c\u1ee7a t\u1ed5 ch\u1ee9c.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u00d4ng Hi\u1ebfu cho r\u1eb1ng, n\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n m\u1ed9t c\u00e1ch t\u1ef1 nhi\u00ean<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

T\u1eeb \u0111\u00f3, \u00f4ng Hi\u1ebfu chia s\u1ebb 2 ki\u1ebfn ngh\u1ecb.<\/p>\n

Th\u1ee9 nh\u1ea5t,\u00a0<\/em>\u0111\u1ed1i v\u1edbi vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n n\u00e2ng cao nh\u1eadn th\u1ee9c ng\u01b0\u1eddi d\u00e2n l\u00e0 r\u1ea5t quan tr\u1ecdng. C\u1ea7n ph\u1ea3i \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n g\u00e1nh ch\u1ecbu r\u1ee7i ro \u0111\u1ec3 t\u1ef1 m\u00ecnh nh\u1eadn l\u1ea5y b\u00e0i h\u1ecdc. Ch\u00ednh ph\u1ee7 c\u1ea7n t\u00ednh \u0111\u1ebfn vi\u1ec7c ph\u00e1 s\u1ea3n t\u01b0 nh\u00e2n \u0111\u1ec3 c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft.<\/p>\n

Th\u1ee9 hai,\u00a0<\/em>b\u1ea3o v\u1ec7 t\u1ed5 ch\u1ee9c cho vay. Tranh ch\u1ea5p 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 v\u1ea5n \u0111\u1ec1 s\u1ebd l\u00e0 r\u00e0o c\u1ea3n l\u1edbn. \u201cC\u1ea7n \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n \u0111\u00fang, tho\u1ea3 m\u00e3n nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu s\u1ee9 m\u1ec7nh g\u00ec\u201d, \u00f4ng Hi\u1ebfu n\u00f3i.<\/p>\n

\u00a0<\/em><\/p>\n

03\/25\/2021 10:03<\/p>\n

\u0110\u00e1nh gi\u00e1 nh\u1eefng t\u00e1c \u0111\u1ed9ng c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ebfn n\u1ec1n kinh t\u1ebf,\u00a0PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh, Chuy\u00ean gia kinh t\u1ebf cho r\u1eb1ng,\u00a0t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111em l\u1ea1i nhi\u1ec1u c\u01a1 h\u1ed9i h\u01a1n cho c\u00e1c c\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u ti\u00eau d\u00f9ng khi n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 trang tr\u1ea3i nhu c\u1ea7u.<\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o nh\u00f3m kh\u00e1ch h\u00e0ng \u0111\u1ea1t chu\u1ea9n c\u1ea5p t\u00edn d\u1ee5ng, c\u00f3 thu nh\u1eadp th\u01b0\u1eddng ni\u00ean t\u1eeb kh\u00e1 tr\u1edf l\u00ean, c\u00f3 \u0111i\u1ec3m t\u00edn d\u1ee5ng cao, c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t v\u00e0 cung c\u1ea5p c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, g\u00f3i vay l\u1edbn th\u00ec c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u1ea1i ch\u1ecdn ph\u00e2n kh\u00fac m\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng. V\u1edbi nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng d\u01b0\u1edbi chu\u1ea9n, l\u00e0 ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh ho\u1eb7c th\u1ea5p, kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c thu nh\u1eadp, ch\u01b0a c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng ho\u1eb7c \u0111i\u1ec3m t\u00edn d\u1ee5ng th\u1ea5p, kh\u00f3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi ngu\u1ed3n v\u1ed1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cung c\u1ea5p c\u00e1c kho\u1ea3n vay nh\u1ecf, kh\u00f4ng t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, ph\u1ee5c v\u1ee5 nhu c\u1ea7u mua s\u1eafm trang thi\u1ebft b\u1ecb gia \u0111\u00ecnh, xe m\u00e1y, ti\u1ec1n m\u1eb7t ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1ed9t xu\u1ea5t\u2026, v\u1edbi th\u1ee7 t\u1ee5c nhanh ch\u00f3ng, thu\u1eadn ti\u1ec7n \u0111\u00e1p \u1ee9ng nhu c\u1ea7u t\u00e0i ch\u00ednh \u0111a d\u1ea1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, gi\u00fap ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng trong chi ti\u00eau, c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng v\u00e0 gia t\u0103ng c\u00f4ng b\u1eb1ng x\u00e3 h\u1ed9i.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f2n g\u00f3p ph\u1ea7n gia t\u0103ng s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh cho c\u00e1c nh\u00f3m kh\u00e1ch h\u00e0ng m\u1edbi, c\u00f3 thu nh\u1eadp kh\u00f4ng cao, c\u00e1c t\u1ea7ng l\u1edbp d\u00e2n c\u01b0 \u00edt ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng gi\u00fap h\u1ecd qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, c\u0169ng nh\u01b0 t\u1ea1o n\u1ec1n t\u1ea3ng \u0111\u1ec3 h\u1ecd c\u00f3 th\u1ec3 s\u1eb5n s\u00e0ng s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c, bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

B\u1eb1ng c\u00e1ch n\u00e0y, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 gi\u00fap \u0111\u1ea9y m\u1ea1nh qu\u00e1 tr\u00ecnh tri\u1ec3n khai t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n t\u1ea1i Vi\u1ec7t Nam v\u1edbi c\u00e1c h\u1ed9 gia \u0111\u00ecnh, c\u00e1c ch\u1ee7 th\u1ec3 y\u1ebfu th\u1ebf trong n\u1ec1n kinh t\u1ebf.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh, Chuy\u00ean gia kinh t\u1ebf<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ngo\u00e0i ra, khi nhu c\u1ea7u chi ti\u00eau c\u1ee7a x\u00e3 h\u1ed9i t\u0103ng cao t\u1eeb k\u1ebft qu\u1ea3 c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednhti\u00eau d\u00f9ng v\u00e0 c\u00e1c kho\u1ea3n vay nh\u1ecf l\u1ebb v\u1edbi th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n s\u1ebd l\u00e0 l\u1ef1c h\u00fat th\u00fac \u0111\u1ea9y n\u1ec1n s\u1ea3n xu\u1ea5t ph\u00e1t tri\u1ec3n, th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng GDP c\u1ee7a n\u1ec1n kinh t\u1ebf. T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n s\u1ebd k\u00edch th\u00edch h\u1ec7 th\u1ed1ng b\u00e1n l\u1ebb trong n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n, \u0111\u1ed3ng th\u1eddi, s\u1ebd k\u00edch th\u00edch c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p ch\u1ebf bi\u1ebfn ch\u1ebf t\u1ea1o \u00f4 t\u00f4, xe m\u00e1y, \u0111i\u1ec7n t\u1eed, \u0111i\u1ec7n l\u1ea1nh v\u00e0 h\u00e0ng h\u00f3a ti\u00eau d\u00f9ng\u2026ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, trong \u0111i\u1ec1u ki\u1ec7n c\u1ee7a d\u1ecbch b\u1ec7nh COVID-19, nhi\u1ec1u doanh nghi\u1ec7p trong n\u1ec1n kinh t\u1ebf \u0111ang t\u00e1i c\u1ea5u tr\u00fac qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t kinh doanh v\u00e0 h\u01b0\u1edbng m\u1ea1nh v\u00e0o vi\u1ec7c \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u ti\u00eau d\u00f9ng n\u1ed9i \u0111\u1ecba, th\u00ec vi\u1ec7c cho vay ti\u00eau d\u00f9ng, cho vay t\u00edn ch\u1ea5p d\u00e0nh cho nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n m\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang tri\u1ec3n khai l\u00e0 l\u0129nh v\u1ef1c quan tr\u1ecdng, c\u1ea7n khuy\u1ebfn kh\u00edch ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd.<\/p>\n

M\u1ed9t \u0111i\u1ec3m n\u1eefa,\u00a0theo s\u1ed1 li\u1ec7u c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, hi\u1ec7n c\u00f3 kho\u1ea3ng 47% ng\u01b0\u1eddi Vi\u1ec7t tham gia vay ti\u1ec1n, nh\u01b0ng ch\u1ec9 c\u00f3 18,5% l\u00e0 vay t\u1eeb nh\u1eefng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ch\u00ednh th\u1ee9c, ph\u1ea7n c\u00f2n l\u1ea1i l\u00e0 vay t\u1eeb ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8 ho\u1eb7c \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Khi c\u00e1c h\u1ed9 gia \u0111\u00ecnh v\u00e0 c\u00e1c ch\u1ee7 th\u1ec3 c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn k\u00eanh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ti\u00eau d\u00f9ng, nhu c\u1ea7u v\u1ed1n nh\u1ecf l\u1ebb, s\u1ebd h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng \u0111en, t\u00edn d\u1ee5ng ng\u1ea7m tr\u00ean th\u1ecb tr\u01b0\u1eddng, g\u00f3p ph\u1ea7n t\u0103ng thu ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc, tr\u00e1nh \u0111\u01b0\u1ee3c c\u00e1c b\u1ea5t \u1ed5n trong \u0111\u1eddi s\u1ed1ng x\u00e3 h\u1ed9i\u2026<\/p>\n

V\u1ea5n \u0111\u1ec1 n\u1eefa, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang t\u1ea1o ra m\u1ed9t kh\u1ed1i l\u01b0\u1ee3ng l\u1edbn c\u00f4ng \u0103n vi\u1ec7c l\u00e0m v\u1edbi m\u1ed9t l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng c\u00f3 tay ngh\u1ec1 v\u00e0 hi\u1ec3u bi\u1ebft lu\u1eadt ph\u00e1p cao. \u0110\u1ebfn h\u1ebft n\u0103m 2020, \u01b0\u1edbc t\u00ednh c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 t\u1ea1o ra kho\u1ea3ng 51.000 vi\u1ec7c l\u00e0m, trong \u0111\u00f3, ri\u00eang ba c\u00f4ng ty t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u \u0111ang s\u1edf h\u1eefu kho\u1ea3ng g\u1ea7n 40.000 nh\u00e2n vi\u00ean. \u0110\u00e2y c\u0169ng ch\u00ednh l\u00e0 l\u1ef1c l\u01b0\u1ee3ng tuy\u00ean truy\u1ec1n, t\u01b0 v\u1ea5n, k\u1ebft n\u1ed1i v\u00e0 th\u1ea9m \u0111\u1ecbnh \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng v\u00e0 c\u00e1c lo\u1ea1i h\u00e0ng h\u00f3a kh\u00e1c c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n

Cu\u1ed1i c\u00f9ng, l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c t\u01b0\u01a1ng \u0111\u1ed1i m\u1edbi trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ch\u01b0a to\u00e0n di\u1ec7n, c\u1ee5 th\u1ec3. H\u01a1n n\u1eefa, do nh\u1eadn th\u1ee9c cho ng\u01b0\u1eddi d\u00e2n v\u1ec1 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u01b0a cao, vi\u1ec7c h\u1ed7 tr\u1ee3, m\u00f4i gi\u1edbi t\u00edn d\u1ee5ng ch\u01b0a \u0111\u1ea7y \u0111\u1ee7, trong khi t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u01b0\u1eddng c\u00f3 th\u1eddi h\u1ea1n cho vay ng\u1eafn v\u00e0 l\u00e3i su\u1ea5t cao h\u01a1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i n\u00ean c\u00f3 m\u1ed9t thi\u1ec3u s\u1ed1 c\u00e1c ch\u1ee7 th\u1ec3 khi vay \u0111\u00e3 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 khi\u1ebfn c\u00f3 nh\u1eefng v\u1ee5 vi\u1ec7c m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n m\u00f4i gi\u1edbi h\u00e0nh x\u1eed v\u01b0\u1ee3t m\u1ee9c cho ph\u00e9p t\u1ea1o ra b\u1ee9c x\u00fac trong x\u00e3 h\u1ed9i, \u1ea3nh h\u01b0\u1edfng x\u1ea5u t\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n \u1edf Vi\u1ec7t Nam khi n\u1ec1n kinh t\u1ebf m\u1edbi chuy\u1ec3n sang c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh, Chuy\u00ean gia kinh t\u1ebf<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u00f4ng Th\u1ecbnh\u00a0cho r\u1eb1ng, ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam l\u00e0 r\u1ea5t l\u1edbn. V\u1edbi d\u00e2n s\u1ed1 g\u1ea7n 100 tri\u1ec7u ng\u01b0\u1eddi, n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng cao v\u00e0 \u1ed5n \u0111\u1ecbnh, thu nh\u1eadp b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi t\u0103ng nhanh, s\u1ee9c ti\u00eau th\u1ee5 h\u00e0ng h\u00f3a ng\u00e0y c\u00e0ng t\u0103ng c\u00f9ng xu th\u1ebf ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf, Vi\u1ec7t Nam \u0111ang \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 c\u00f3 tri\u1ec3n v\u1ecdng h\u00e0ng \u0111\u1ea7u trong khu v\u1ef1c \u0111\u1ec3 ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n

T\u1ea1i c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 k\u00eanh cung c\u1ea5p v\u1ed1n kh\u00e1 l\u1edbn, c\u00f3 t\u1ef7 tr\u1ecdng \u0111\u00f3ng g\u00f3p cao v\u00e0o t\u0103ng tr\u01b0\u1edfng GDP. Trong khi t\u1ea1i Vi\u1ec7t Nam, t\u1ef7 tr\u1ecdng n\u00e0y v\u1eabn c\u00f2n kh\u00e1 khi\u00eam t\u1ed1n, ch\u01b0a t\u01b0\u01a1ng x\u1ee9ng v\u1edbi m\u1ee9c \u0111\u1ed9 k\u1ef3 v\u1ecdng.<\/p>\n

\u00a0<\/em><\/p>\n

03\/25\/2021 10:20<\/p>\n

Trao \u0111\u1ed5i t\u1ea1i t\u1ecda \u0111\u00e0m, TS. C\u1ea5n V\u0103n L\u1ef1c, Chuy\u00ean gia Kinh t\u1ebf tr\u01b0\u1edfng c\u1ee7a BIDV cho r\u1eb1ng, \u0111\u00e1nh gi\u00e1 ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam trong nh\u1eefng n\u0103m qua c\u00f3 th\u1ec3 th\u1ea5y nhi\u1ec1u b\u01b0\u1edbc ph\u00e1t tri\u1ec3n t\u00edch c\u1ef1c v\u1ec1 c\u1ea3 khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd, quy m\u00f4 th\u1ecb tr\u01b0\u1eddng, s\u1ea3n ph\u1ea9m – d\u1ecbch v\u1ee5 v\u00e0 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
TS. C\u1ea5n V\u0103n L\u1ef1c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u1ec1 quy m\u00f4 th\u1ecb tr\u01b0\u1eddng, trong v\u00f2ng 10 n\u0103m qua, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng (TDTD) t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 b\u01b0\u1edbc ph\u00e1t tri\u1ec3n nh\u1ea3y v\u1ecdt. D\u01b0 n\u1ee3 TDTD cu\u1ed1i n\u0103m 2020 \u0111\u1ea1t kho\u1ea3ng 1,8 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm kho\u1ea3ng 20% t\u1ed5ng d\u01b0 n\u1ee3 n\u1ec1n kinh t\u1ebf, g\u1ea5p 2,5 l\u1ea7n so v\u1edbi n\u0103m 2012 (kho\u1ea3ng 8%). Trong \u0111\u00f3, \u0111\u1ed1i v\u1edbi t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u00e0 \u1edf \u0111\u1ea1t kho\u1ea3ng 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng (chi\u1ebfm kho\u1ea3ng 55,5%), theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7, t\u1eeb n\u0103m 2019, lo\u1ea1i t\u00edn d\u1ee5ng n\u00e0y \u0111\u01b0\u1ee3c th\u1ed1ng k\u00ea v\u00e0o nh\u00f3m t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n). Trong 5 n\u0103m qua, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng (g\u1ed3m c\u1ea3 t\u00edn d\u1ee5ng B\u0110S nh\u00e0 \u1edf) t\u0103ng tr\u01b0\u1edfng kho\u1ea3ng 20%\/n\u0103m – l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i t\u00edch c\u1ef1c so v\u1edbi t\u00edn d\u1ee5ng to\u00e0n ng\u00e0nh (t\u0103ng kho\u1ea3ng 15,4%). Tuy nhi\u00ean, n\u1ebfu b\u00f3c t\u00e1ch ph\u1ea7n t\u00edn d\u1ee5ng B\u0110S nh\u00e0 \u1edf, th\u00ec t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam ch\u1ec9 kho\u1ea3ng 800 ng\u00e0n t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm kho\u1ea3ng 8,7% t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a n\u1ec1n kinh t\u1ebf, th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi c\u00e1c n\u01b0\u1edbc nh\u01b0 Malaysia, Trung Qu\u1ed1c, Th\u00e1i Lan, Indonesia, H\u00e0n Qu\u1ed1c\u2026 v\u1edbi t\u1ef7 tr\u1ecdng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng (kh\u00f4ng bao g\u1ed3m t\u00edn d\u1ee5ng B\u0110S nh\u00e0 \u1edf) chi\u1ebfm kho\u1ea3ng 15-35%\/t\u1ed5ng d\u01b0 n\u1ee3 th\u00ec ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng n\u00e0y t\u1ea1i Vi\u1ec7t Nam l\u00e0 c\u00f2n r\u1ea5t l\u1edbn.<\/p>\n

Trong \u0111\u00f3, t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 c\u1ee7a c\u00e1c CTTC trong t\u1ed5ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng gia t\u0103ng \u0111\u00e1ng k\u1ec3 so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y, t\u1eeb m\u1ee9c d\u01b0\u1edbi 1% v\u00e0o n\u0103m 2011 \u0111\u1ebfn t\u1ef7 tr\u1ecdng 16,3% n\u0103m 2020 (kho\u1ea3ng 130.000 t\u1ef7 \u0111\u1ed3ng), c\u00f2n l\u1ea1i l\u00e0 c\u00e1c NHTM, qu\u1ef9 t\u00edn d\u1ee5ng (chi\u1ebfm kho\u1ea3ng 75%) v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c (kho\u1ea3ng 8,7%). Theo th\u00f4ng tin c\u00f4ng b\u1ed1 tr\u00ean website c\u1ee7a ri\u00eang 3 c\u00f4ng ty l\u1edbn nh\u1ea5t th\u1ecb tr\u01b0\u1eddng l\u00e0 FE Credit, Home Credit v\u00e0 HD Saison, t\u1ed5ng s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng giao d\u1ecbch \u0111\u00e3 l\u00ean \u0111\u1ebfn 30 tri\u1ec7u t\u1ea1i 37.000 \u0111i\u1ec3m b\u00e1n.<\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd l\u00e0, c\u00e1c CTTC \u0111\u00e3 x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c m\u1ea1ng l\u01b0\u1edbi kh\u00e1ch h\u00e0ng th\u00e2n thi\u1ebft, th\u01b0\u1eddng xuy\u00ean s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ch\u1ee9ng t\u1ecf th\u00f3i quen ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 c\u00f3 s\u1ef1 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3.<\/p>\n

M\u1eb7c d\u00f9 v\u1eady, th\u1ecb tr\u01b0\u1eddng TCTD c\u00f2n c\u00f3 m\u1ed9t s\u1ed1 b\u1ea5t c\u1eadp nh\u01b0 quy m\u00f4 c\u00f2n nh\u1ecf, th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n c\u00f2n t\u1eadp trung ch\u1ee7 y\u1ebfu v\u00e0o 1 s\u1ed1 c\u00f4ng ty l\u1edbn (3 c\u00f4ng ty h\u00e0ng \u0111\u1ea7u chi\u1ebfm \u0111\u1ebfn h\u01a1n 75% th\u1ecb ph\u1ea7n); ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh-t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u00f2n h\u1ea1n ch\u1ebf; thi\u1ebfu th\u00f4ng tin minh b\u1ea1ch, d\u1eef li\u1ec7u chu\u1ea9n v\u1ec1 kh\u00e1ch h\u00e0ng; b\u1ea3n th\u00e2n c\u00e1c CTTC c\u00f2n kh\u00f3 kh\u0103n v\u1ec1 huy \u0111\u1ed9ng v\u1ed1n (do th\u1ecb tr\u01b0\u1eddng v\u1ed1n c\u00f2n ch\u01b0a ph\u00e1t tri\u1ec3n), th\u00f4ng tin \u0111\u00f4i khi c\u00f2n thi\u1ebfu minh b\u1ea1ch, n\u0103ng l\u1ef1c nh\u00e2n vi\u00ean v\u00e0 tr\u00ecnh \u0111\u1ed9 c\u00f4ng ngh\u1ec7 kh\u00f4ng \u0111\u1ed3ng \u0111\u1ec1u, b\u1ed9 m\u00e1y c\u1ed3ng k\u1ec1nh d\u1eabn \u0111\u1ebfn chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng c\u00f2n cao\u2026<\/p>\n

\u00a0<\/em><\/p>\n

25\/03\/2021 10:32<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u00d4ng L\u1ef1c cho r\u1eb1ng, m\u1eb7c d\u00f9 c\u00f3 b\u01b0\u1edbc ph\u00e1t tri\u1ec3n t\u00edch c\u1ef1c, nh\u01b0ng th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u0169ng c\u00f2n m\u1ed9t s\u1ed1 t\u1ed3n t\u1ea1i b\u1ea5t c\u1eadp<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u1ec1 \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, theo \u00f4ng C\u1ea5n V\u0103n L\u1ef1c, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng s\u1ebd \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, nh\u1ea5t l\u00e0 ph\u1ee5c v\u1ee5 c\u00e1c nh\u00f3m d\u00e2n c\u01b0 ch\u01b0a ho\u1eb7c \u00edt ti\u1ebfp c\u1eadn v\u1edbi d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng \u1edf v\u00f9ng n\u00f4ng th\u00f4n, v\u00f9ng s\u00e2u v\u00f9ng xa, v\u00f9ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf – x\u00e3 h\u1ed9i kh\u00f3 kh\u0103n…<\/p>\n

Do \u1ea3nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch Covid-19 \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf, t\u1eeb th\u00e1ng 6\/2020 \u0111\u1ebfn nay, ch\u1ee7 tr\u01b0\u01a1ng k\u00edch c\u1ea7u th\u1ecb tr\u01b0\u1eddng n\u1ed9i \u0111\u1ecba th\u00f4ng qua th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t trong nh\u1eefng nhi\u1ec7m v\u1ee5 tr\u1ecdng t\u00e2m c\u1ee7a Ch\u00ednh ph\u1ee7. Theo \u0111\u00f3, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng g\u00f3p ph\u1ea7n ph\u1ee5c h\u1ed3i v\u00e0 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i, th\u1ec3 hi\u1ec7n qua ba ph\u01b0\u01a1ng di\u1ec7n: (i) g\u00f3p ph\u1ea7n t\u0103ng s\u1ee9c mua, k\u00edch th\u00edch ti\u00eau d\u00f9ng, nh\u1ea5t l\u00e0 giai \u0111o\u1ea1n sau d\u1ecbch b\u1ec7nh; t\u1eeb \u0111\u00f3, th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t v\u00e0 cu\u1ed1i c\u00f9ng l\u00e0 h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf; (ii) G\u00f3p ph\u1ea7n ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n t\u1ea1i Vi\u1ec7t Nam khi t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u1eadp trung v\u00e0o ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n, nh\u1ecf l\u1ebb, kh\u00f3 ho\u1eb7c ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng; (iii) t\u1ea1o vi\u1ec7c l\u00e0m cho x\u00e3 h\u1ed9i v\u1edbi nhu c\u1ea7u v\u1ec1 nh\u00e2n l\u1ef1c t\u00e0i ch\u00ednh, t\u01b0 v\u1ea5n kh\u00e1ch h\u00e0ng, qu\u1ea3n tr\u1ecb h\u1ec7 th\u1ed1ng\u2026v.v.<\/p>\n

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, nh\u1eb1m t\u0103ng t\u00ednh c\u1ea1nh tranh th\u00f4ng qua vi\u1ec7c thu h\u00fat v\u1ed1n t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i, ti\u1ebfp nh\u1eadn ngu\u1ed3n v\u1ed1n \u01b0u \u0111\u00e3i qu\u1ed1c t\u1ebf; s\u1edbm ho\u00e0n thi\u1ec7n c\u01a1 s\u1edf d\u1eef li\u1ec7u d\u00e2n c\u01b0 qu\u1ed1c gia.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, c\u1ea7n r\u00e0 so\u00e1t, \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c kinh doanh; ph\u00e1t tri\u1ec3n m\u00f4 h\u00ecnh kinh doanh m\u1edbi ph\u00f9 h\u1ee3p v\u1edbi xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng trong v\u00e0 sau d\u1ecbch b\u1ec7nh.<\/p>\n

\u0110\u1ed3ng th\u1eddi, 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

Cu\u1ed1i c\u00f9ng, \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 \u0111\u1ec3 ph\u00e1t tri\u1ec3n hi\u1ec7u qu\u1ea3, b\u1ec1n v\u1eefng l\u00e0 nh\u1eefng gi\u1ea3i ph\u00e1p m\u00e0 \u00f4ng L\u1ef1c cho r\u1eb1ng c\u1ea7n ph\u1ea3i t\u1eadp trung.<\/p>\n

03\/25\/2021 10:40<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, 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 th\u00ec 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

V\u1ec1 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 cho vay, lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 thay \u0111\u1ed5i, ngo\u1ea1i tr\u1eeb quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay.<\/em><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, s\u1ed1 l\u01b0\u1ee3ng c\u00f4ng ty t\u00e0i ch\u00ednh trong 10 n\u0103m qua g\u1ea7n nh\u01b0 kh\u00f4ng thay \u0111\u1ed5i, nhi\u1ec1u n\u0103m g\u1ea7n \u0111\u00e2y v\u00e0 \u0111\u1ebfn 31\/12\/2020 v\u1eabn ch\u1ec9 c\u00f3 16 c\u00f4ng ty t\u00e0i ch\u00ednh, trong \u0111\u00f3 nhi\u1ec1u kh\u00f4ng ty kh\u00f4ng cho vay ti\u00eau d\u00f9ng.<\/em><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Tuy ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng n\u00f3i chung, cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i ri\u00eang ph\u00e1t tri\u1ec3n kh\u00e1 m\u1ea1nh trong 10 n\u0103m qua, nh\u01b0ng v\u1eabn ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u th\u1ef1c t\u1ebf.<\/em><\/p>\n

\u0110\u1eb7c bi\u1ec7t, theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, 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

\u00a0<\/em><\/p>\n

03\/25\/2021 11:45<\/p>\n

L\u00e0 di\u1ec5n gi\u1ea3 \u0111\u1ea7u ti\u00ean chia s\u1ebb trong ph\u1ea7n th\u1ea3o lu\u1eadn,\u00a0\u00f4ng Nguy\u1ec5n Th\u00e0nh Ph\u00fac, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c FE Credit\u00a0cho bi\u1ebft, kh\u1edfi \u0111\u1ea7u v\u1edbi s\u1ea3n ph\u1ea9m vay tr\u1ea3 g\u00f3p xe m\u00e1y, t\u1edbi nay, \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u \u0111a d\u1ea1ng c\u1ee7a kh\u00e1ch h\u00e0ng, FE Credit \u0111\u00e3 m\u1edf r\u1ed9ng th\u00eam s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 cho vay ti\u1ec1n m\u1eb7t. “FE Credit l\u00e0 c\u00f4ng ty \u0111\u1ea7u ti\u00ean cho vay ti\u1ec1n m\u1eb7t, \u0111\u00e1p \u1ee9ng nhi\u1ec1u nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n”, \u00f4ng n\u00f3i.<\/p>\n

N\u0103m 2017, tr\u01b0\u1edbc xu h\u01b0\u1edbng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed ph\u00e1t tri\u1ec3n, FE Credit \u0111\u00e3\u00a0ra m\u1eaft s\u1ea3n ph\u1ea9m th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf v\u00e0 c\u0169ng l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ea7u ti\u00ean ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng. \u0110\u1ebfn nay, FE Credit c\u00f3 2,2 tri\u1ec7u kh\u00e1ch h\u00e0ng, 19.500 \u0111i\u1ec3m d\u1ecbch v\u1ee5, ph\u1ee5c v\u1ee5 tr\u00ean 11 tri\u1ec7u l\u01b0\u1ee3t vay.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u00d4ng Nguy\u1ec5n Th\u00e0nh Ph\u00fac, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c FE Credit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u1ea5n \u0111\u1ec1 ti\u1ebfp theo l\u00e0 “ti\u1ec1n \u0111\u00e2u cho vay”, b\u1edfi l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh, ch\u00fang t\u00f4i kh\u00f4ng \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng ti\u1ec1n c\u00e1 nh\u00e2n. Th\u1ecb tr\u01b0\u1eddng l\u00fac \u0111\u00f3, h\u1ecd ch\u01b0a bi\u1ebft FE l\u00e0 ai, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u1ea1i qu\u00e1 r\u1ee7i ro, kh\u00f4ng ng\u00e2n h\u00e0ng n\u00e0o cho ch\u00fang t\u00f4i vay ti\u1ec1n. Ch\u00fang t\u00f4i vay ti\u1ec1n \u0111\u1ea7u ti\u00ean t\u1eeb ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. Sau khi nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t cho vay th\u00ec c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam m\u1edbi cho ch\u00fang t\u00f4i vay ti\u1ec1n, \u00f4ng cho hay.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, FE Credit c\u00f2n \u0111\u1ea9y m\u1ea1nh tri\u1ec3n khai s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft t\u1edbi cho kh\u00e1ch h\u00e0ng.\u00a0Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u0169ng thay \u0111\u1ed5i c\u00e1ch giao d\u1ecbch v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

Theo \u00f4ng Ph\u00fac, \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf v\u00e0 x\u00e3 h\u1ed9i ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n hi\u1ec7n nay, th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau c\u00f2n ti\u1ec1m n\u0103ng r\u1ea5t l\u1edbn, \u0111\u00f3ng g\u00f3p v\u00e0o ph\u00e1t tri\u1ec3n x\u00e3 h\u1ed9i.<\/p>\n

\u00a0<\/em><\/p>\n

03\/25\/2021 11:51<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
G\u00f3p \u00fd ch\u00ednh s\u00e1ch, \u00f4ng Nguy\u1ec5n Th\u00e0nh Ph\u00fac nh\u1ea5n m\u1ea1nh quan \u0111i\u1ec3m, h\u00e3y \u0111\u1ec3 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n theo th\u1ecb tr\u01b0\u1eddng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/em><\/p>\n

03\/25\/2021 13:07<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u00d4ng Nguy\u1ec5n M\u1ea1nh Khang, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i c\u00f4ng ngh\u1ec7 th\u00f4ng tin MCredit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

N\u00f3i v\u1ec1 c\u00e2u chuy\u1ec7n chuy\u1ec3n \u0111\u1ed5i s\u1ed1, \u00f4ng Nguy\u1ec5n M\u1ea1nh Khang, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i c\u00f4ng ngh\u1ec7 th\u00f4ng tin MCredit cho bi\u1ebft, c\u00e1ch \u0111\u00e2y kho\u1ea3ng 3 n\u0103m, c\u00e1c ng\u00e2n h\u00e0ng n\u00f3i nhi\u1ec1u v\u1ec1 c\u00e2u chuy\u1ec7n c\u1ea1nh tranh v\u1edbi c\u00e1c c\u00f4ng ty Fintech, P2P. Tuy nhi\u00ean g\u1ea7n \u0111\u00e2y, quan \u0111i\u1ec3m n\u00e0y \u0111\u00e3 thay \u0111\u1ed5i.<\/p>\n

Hi\u1ec7n nay, m\u1ecdi ng\u01b0\u1eddi \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i ch\u1ee9 kh\u00f4ng n\u00f3i v\u1ec1 v\u1ea5n \u0111\u1ec1 \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh. Quan \u0111i\u1ec3m c\u1ee7a MCredit l\u00e0 v\u1eabn song h\u00e0nh c\u00f9ng c\u00e1c c\u00f4ng ty Fintech, P2P, ng\u00e2n h\u00e0ng, \u00f4ng Khang n\u00f3i.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng, c\u1ea7n c\u00f3 th\u1eddi gian \u0111\u1ec3 thay \u0111\u1ed5i t\u01b0 duy ng\u01b0\u1eddi d\u00e2n, ti\u1ebfp c\u1eadn ng\u01b0\u1eddi d\u00e2n. N\u1ebfu c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u1ed1i h\u1ee3p th\u00eam v\u1edbi c\u00f4ng ty vi\u1ec5n th\u00f4ng \u0111\u1ec3 ti\u1ebfp c\u1eadn ng\u01b0\u1eddi d\u00e2n, ra \u0111\u1eddi c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ph\u1ee5c v\u1ee5 th\u00ec truy\u1ec1n th\u00f4ng s\u1ebd t\u1ed1t h\u01a1n, ng\u01b0\u1eddi d\u00e2n s\u1ebd bi\u1ebft v\u1ec1 c\u00f4ng ty d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, t\u1eeb \u0111\u00f3 s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng s\u1ebd t\u0103ng l\u00ean.<\/p>\n

\u00a0<\/em><\/p>\n

03\/25\/2021 12:04<\/p>\n

\"\"<\/p>\n\n\n\n\n
<\/td>\n<\/tr>\n
\u00d4ng L\u00ea Tr\u1ecdng Minh, T\u1ed5ng bi\u00ean t\u1eadp B\u00e1o \u0110\u1ea7u t\u01b0 ph\u00e1t bi\u1ec3u k\u1ebft lu\u1eadn t\u1ecda \u0111\u00e0m<\/p>\n

(239\/6.931)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

K\u1ebft lu\u1eadn t\u1ecda \u0111\u00e0m, \u00f4ng L\u00ea Tr\u1ecdng Minh, T\u1ed5ng bi\u00ean t\u1eadp B\u00e1o \u0110\u1ea7u t\u01b0 cho r\u1eb1ng, cu\u1ed9c t\u1ecda \u0111\u00e0m h\u00f4m nay \u0111\u00e3 nh\u00ecn l\u1ea1i 10 n\u0103m ph\u00e1t tri\u1ec3n r\u1ef1c r\u1ee1 c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u0111\u1ed3ng th\u1eddi th\u1ea3o lu\u1eadn m\u1ed9t ph\u1ea7n nh\u1ecf l\u00e0m sao \u0111\u1ec3 n\u00f3 c\u00f3 s\u1ee9c s\u1ed1ng m\u1edbi h\u01a1n, thu\u1eadn l\u1ee3i h\u01a1n, \u0111\u00f3ng g\u00f3p nhi\u1ec1u h\u01a1n, \u0111em l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch h\u01a1n cho c\u00f4ng ch\u00fang.<\/p>\n

\u0110\u00e2y l\u00e0 nh\u1eefng th\u00f4ng tin \u0111\u1ea7u v\u00e0o, d\u1eef li\u1ec7u tham kh\u1ea3o h\u1eefu \u00edch trong qu\u00e1 tr\u00ecnh x\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch cho c\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh.<\/p>\n

K\u1ef3 Th\u00e0nh – Ch\u00ed C\u01b0\u1eddng<\/p>\n

—————-<\/p>\n

\u0110\u1ea7u<\/em><\/strong> t\u01b0 (T\u00e0i ch\u00ednh \u2013 Ch\u1ee9ng kho\u00e1n) 25-3-2021:<\/em><\/strong><\/p>\n

https:\/\/baodautu.vn\/toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien-d139926.html<\/em><\/a>","protected":false},"excerpt":{"rendered":"

(\u0110T) – 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. T\u1ecda \u0111\u00e0m\u00a0T\u00e0i ch\u00ednh\u00a0ti\u00eau d\u00f9ng\u00a0s\u00e1ng 25\/3 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 […]<\/p>\n","protected":false},"author":1,"featured_media":4261,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-4259","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n - ANVI Law Firm<\/title>\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\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110T) – 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. T\u1ecda \u0111\u00e0m\u00a0T\u00e0i ch\u00ednh\u00a0ti\u00eau d\u00f9ng\u00a0s\u00e1ng 25\/3 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 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/\" \/>\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=\"2021-03-25T02:22:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-01-27T02:33:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"506\" \/>\n\t<meta property=\"og:image:height\" content=\"337\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"54 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n\",\"datePublished\":\"2021-03-25T02:22:47+00:00\",\"dateModified\":\"2022-01-27T02:33:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/\"},\"wordCount\":10869,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#organization\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg\",\"articleSection\":[\"Ph\u1ecfng v\u1ea5n\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/\",\"url\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/\",\"name\":\"[:vi]3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg\",\"datePublished\":\"2021-03-25T02:22:47+00:00\",\"dateModified\":\"2022-01-27T02:33:10+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#primaryimage\",\"url\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg\",\"contentUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg\",\"width\":506,\"height\":337},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/anvilaw.com\/vi\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n\"}]},{\"@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:\/\/anvilaw.com\/vi\/#\/schema\/person\/image\/\",\"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]3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n[:] - ANVI Law Firm","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\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n[:] - ANVI Law Firm","og_description":"(\u0110T) – 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. T\u1ecda \u0111\u00e0m\u00a0T\u00e0i ch\u00ednh\u00a0ti\u00eau d\u00f9ng\u00a0s\u00e1ng 25\/3 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 […]","og_url":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2021-03-25T02:22:47+00:00","article_modified_time":"2022-01-27T02:33:10+00:00","og_image":[{"width":506,"height":337,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg","type":"image\/jpeg"}],"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":"54 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/"},"author":{"name":"administrator","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b"},"headline":"3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n","datePublished":"2021-03-25T02:22:47+00:00","dateModified":"2022-01-27T02:33:10+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/"},"wordCount":10869,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg","articleSection":["Ph\u1ecfng v\u1ea5n","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/","url":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/","name":"[:vi]3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg","datePublished":"2021-03-25T02:22:47+00:00","dateModified":"2022-01-27T02:33:10+00:00","breadcrumb":{"@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2021\/03\/12.jpg","width":506,"height":337},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/vi\/3-296-toa-dam-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"3.296. T\u1ecda \u0111\u00e0m T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n"}]},{"@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:\/\/anvilaw.com\/vi\/#\/schema\/person\/image\/","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\/4259","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=4259"}],"version-history":[{"count":0,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/4259\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/4261"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=4259"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=4259"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=4259"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}