{"id":4480,"date":"2019-04-04T21:33:44","date_gmt":"2019-04-04T14:33:44","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4480"},"modified":"2024-10-30T14:25:14","modified_gmt":"2024-10-30T07:25:14","slug":"248-cam-khong-bang-mo","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/248-cam-khong-bang-mo\/","title":{"rendered":"248. C\u1ea5m kh\u00f4ng b\u1eb1ng m\u1edf"},"content":{"rendered":"

C\u1ea5m kh\u00f4ng b\u1eb1ng m\u1edf<\/span><\/h4>\n
(KTSG) – Cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t k\u00eanh t\u00edn d\u1ee5ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh trong m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y, nh\u01b0ng v\u1eabn ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a x\u00e3 h\u1ed9i, \u0111\u1ed3ng th\u1eddi c\u0169ng b\u1ed9c l\u1ed9 nh\u1eefng v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp, m\u00e0 \u0111i\u1ec3n h\u00ecnh l\u00e0 c\u00e1ch th\u1ee9c gi\u1ea3i ng\u00e2n v\u00e0 thu n\u1ee3.<\/strong><\/h5>\n
C\u00e1ch th\u1ee9c gi\u1ea3i ng\u00e2n<\/strong><\/h5>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t k\u00eanh t\u00edn d\u1ee5ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh, nh\u01b0ng v\u1eabn ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a x\u00e3 h\u1ed9i. \u1ea2nh: TH\u00c0NH HOA<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Vi\u1ec7c cho vay n\u00f3i chung c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) theo h\u01b0\u1edbng h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t, nh\u1ea5t l\u00e0 gi\u1ea3i ng\u00e2n cho ch\u00ednh kh\u00e1ch h\u00e0ng vay v\u1ed1n. Ri\u00eang vi\u1ec7c cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh theo Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 31-12-2016 th\u00ec l\u1ea1i ch\u01b0a \u0111\u1eb7t ra y\u00eau c\u1ea7u h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t v\u00e0 h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n cho ch\u00ednh kh\u00e1ch h\u00e0ng vay v\u1ed1n. Vi\u1ec7c n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng kh\u00f3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn an to\u00e0n v\u1ed1n v\u00e0 kh\u00f4ng h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t.<\/p>\n

V\u00ec v\u1eady, NHNN \u0111ang d\u1ef1 ki\u1ebfn s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh tr\u00ean theo h\u01b0\u1edbng: Vi\u1ec7c gi\u1ea3i ng\u00e2n cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i ng\u00e2n cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Theo \u0111\u00f3, vi\u1ec7c gi\u1ea3i ng\u00e2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh cho hai \u0111\u1ecba ch\u1ec9, \u0111\u1ea7u ti\u00ean l\u00e0 \u01b0u ti\u00ean gi\u1ea3i ng\u00e2n cho b\u00ean th\u1ee5 h\u01b0\u1edfng (b\u00ean cung \u1ee9ng h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5), sau \u0111\u00f3 m\u1edbi l\u00e0 gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay.<\/p>\n

Vi\u1ec7c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang vay t\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh, \u0111\u01b0\u1ee3c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ed1t v\u00e0 kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ed3ng th\u1eddi t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

C\u00e1ch th\u1ee9c thu n\u1ee3<\/strong><\/h5>\n

Vi\u1ec7c \u0111\u00f2i n\u1ee3 trong th\u1eddi gian qua c\u1ee7a m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i, e-mail, m\u1ea1ng x\u00e3 h\u1ed9i hay tr\u1ef1c ti\u1ebfp, mang t\u00ednh ch\u1ea5t qu\u1ea5y r\u1ed1i, g\u00e2y phi\u1ec1n nhi\u1ec5u, th\u1eadm ch\u00ed \u0111e d\u1ecda, kh\u1ee7ng b\u1ed1 tinh th\u1ea7n, ki\u1ec3u nh\u01b0 g\u1ecdi \u0111i\u1ec7n t\u1ef1 \u0111\u1ed9ng h\u00e0ng tr\u0103m cu\u1ed9c m\u1ed9t ng\u00e0y, g\u00e2y ra s\u1ef1 b\u1ee9c x\u00fac cho nhi\u1ec1u kh\u00e1ch h\u00e0ng. Kh\u00f4ng nh\u1eefng th\u1ebf, c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f2n \u0111\u00f2i n\u1ee3 c\u1ea3 ng\u01b0\u1eddi th\u00e2n quen c\u1ee7a kh\u00e1ch h\u00e0ng, d\u00f9 h\u1ecd kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi \u0111\u1ed3ng tr\u00e1ch nhi\u1ec7m, ng\u01b0\u1eddi b\u1ea3o l\u00e3nh hay c\u00f3 ngh\u0129a v\u1ee5 g\u00ec \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3.<\/p>\n

V\u00ec v\u1eady, NHNN c\u0169ng d\u1ef1 ki\u1ebfn s\u1eeda \u0111\u1ed5i n\u1ed9i dung v\u1ec1 c\u00e1ch th\u1ee9c thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh. Theo \u0111\u00f3, ngo\u00e0i quy \u0111\u1ecbnh th\u1eddi gian nh\u1eafc n\u1ee3 ph\u1ea3i trong kho\u1ea3ng t\u1eeb 7 gi\u1edd \u0111\u1ebfn 21 gi\u1edd v\u00e0 kh\u00f4ng bao g\u1ed3m bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, th\u00ec c\u00f2n b\u1ed5 sung quy \u0111\u1ecbnh \u201ckh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho c\u00f4ng ty t\u00e0i ch\u00ednh\u201d.<\/p>\n

Tuy nhi\u00ean, c\u1ea7n ph\u1ea3i xem x\u00e9t quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 h\u01a1n nh\u01b0: Kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f2i n\u1ee3 t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c, n\u01a1i c\u00f4ng c\u1ed9ng, kh\u00f4ng \u0111\u01b0\u1ee3c x\u00fac ph\u1ea1m \u0111\u1ebfn danh d\u1ef1, nh\u00e2n ph\u1ea9m c\u1ee7a kh\u00e1ch h\u00e0ng; kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f2i n\u1ee3 mang t\u00ednh ch\u1ea5t kh\u1ee7ng b\u1ed1, li\u00ean t\u1ee5c qu\u00e1 ba l\u1ea7n m\u1ed7i ng\u00e0y v\u00e0 c\u1ea7n h\u1ea1n ch\u1ebf ch\u1eb7t h\u01a1n \u0111\u1ed1i v\u1edbi ng\u00e0y ngh\u1ec9 cu\u1ed1i tu\u1ea7n, ng\u00e0y ngh\u1ec9 l\u1ec5, T\u1ebft, ng\u00e0y hi\u1ebfu h\u1ec9 c\u1ee7a b\u1ea3n th\u00e2n v\u00e0 c\u1ee7a b\u1ed1, m\u1eb9, v\u1ee3 con kh\u00e1ch h\u00e0ng.<\/p>\n

Gi\u1ea3i ph\u00e1p to\u00e0n di\u1ec7n<\/strong><\/h5>\n

\u0110\u1ec3 gi\u1ea3m thi\u1ec3u t\u00ecnh tr\u1ea1ng cho vay l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 g\u00e2y s\u1ee9c \u00e9p n\u1eb7ng n\u1ec1 khi \u0111\u00f2i n\u1ee3 n\u00f3i chung, nh\u1ea5t l\u00e0 khi t\u00edn d\u1ee5ng \u0111en v\u1eabn c\u00f2n di\u1ec5n ra t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ed5 bi\u1ebfn, th\u00ec c\u1ea7n ph\u1ea3i c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p c\u01a1 b\u1ea3n, tri\u1ec7t \u0111\u1ec3 v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n

T\u00edn d\u1ee5ng v\u00e0 l\u00e3i su\u1ea5t l\u00e0 m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng kinh t\u1ebf, v\u00ec v\u1eady c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c t\u1eadp trung gi\u1ea3i quy\u1ebft b\u1eb1ng gi\u1ea3i ph\u00e1p kinh t\u1ebf. Quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i t\u1ea1o ra l\u1ef1c l\u01b0\u1ee3ng cho vay d\u1ed3i d\u00e0o, h\u00ecnh th\u00e0nh th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng c\u1ea1nh tranh cao, c\u00e2n \u0111\u1ed1i cung c\u1ea7u \u0111\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c t\u1ed1t nh\u1ea5t nhu c\u1ea7u vay v\u1ed1n. C\u1ee5 th\u1ec3, c\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p sau:<\/p>\n

Th\u1ee9 nh\u1ea5t, \u0111\u1ea9y m\u1ea1nh k\u00eanh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u1ea7n n\u1edbi l\u1ecfng gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u ki\u1ec7n cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, v\u00ec c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1 nh\u00e2n;<\/p>\n

Th\u1ee9 hai, khuy\u1ebfn kh\u00edch c\u00e1c k\u00eanh cho vay h\u1ee3p ph\u00e1p nh\u01b0 cho vay c\u1ea7m \u0111\u1ed3; cho vay ngang h\u00e0ng; cho vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c h\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng;\u2026<\/p>\n

Th\u1ee9 ba, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u1ea7n khuy\u1ebfn kh\u00edch c\u00e1c doanh nghi\u1ec7p, c\u00e1 nh\u00e2n v\u1eabn cho vay l\u1eabn nhau \u0111\u01b0\u1ee3c ph\u00e9p m\u1edf r\u1ed9ng cho vay b\u1eb1ng ch\u00ednh ngu\u1ed3n v\u1ed1n c\u1ee7a h\u1ecd c\u00f9ng v\u1edbi c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0, kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p cho vay, kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n cho vay; kh\u00f4ng ph\u1ea3i n\u1ed9p thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (ch\u1ec9 ph\u1ea3i n\u1ed9p thu\u1ebf thu nh\u1eadp nh\u01b0 hi\u1ec7n nay) v\u00e0 t\u1ef1 ch\u1ecbu m\u1ecdi r\u1ee7i ro b\u1eb1ng ti\u1ec1n v\u1ed1n c\u1ee7a h\u1ecd;<\/p>\n

Th\u1ee9 t\u01b0, c\u1ea7n ph\u1ea3i s\u1eeda \u0111\u1ed5i lu\u1eadt cho ph\u00e9p m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng cho vay \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cao b\u1eb1ng v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u00e2n b\u1eb1ng th\u1ecb tr\u01b0\u1eddng v\u00e0 l\u1ebd c\u00f4ng b\u1eb1ng \u0111\u1ed1i x\u1eed. Hi\u1ec7n nay B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay chung kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t 20%\/n\u0103m, trong khi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n b\u1edfi tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y.<\/p>\n

Th\u1ee9 n\u0103m, ki\u00ean quy\u1ebft x\u1eed l\u00fd nghi\u00eam kh\u1eafc, k\u1ecbp th\u1eddi t\u00edn d\u1ee5ng \u0111en, trong \u0111\u00f3 ch\u1ee7 y\u1ebfu l\u00e0 x\u1eed l\u00fd c\u00e1c h\u00e0nh vi l\u1eeba d\u1ed1i, \u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p kh\u00e1ch h\u00e0ng vay v\u1ed1n v\u00e0 \u0111\u00f2i n\u1ee3 b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n

Do y\u00eau c\u1ea7u \u0111\u1eb7c th\u00f9 c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, n\u00ean c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 h\u1ea1 ti\u00eau chu\u1ea9n cho vay v\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. V\u00ec v\u1eady, c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i quan \u0111i\u1ec3m ch\u00ednh l\u00e0, m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c. Kh\u00f4ng n\u00ean gi\u1ea3i th\u00edch c\u1ee9ng nh\u1eafc r\u1eb1ng, cho vay l\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng n\u00ean ph\u1ea3i \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Ch\u1ec9 n\u00ean t\u1eadp trung v\u00e0o vi\u1ec7c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a d\u00e2n ch\u00fang, nh\u1eb1m tr\u00e1nh \u0111\u1ed5 v\u1ee1, g\u00e2y r\u1ee7i ro cho h\u1ec7 th\u1ed1ng v\u00e0 m\u1ea5t ti\u1ec1n g\u1eedi c\u1ee7a s\u1ed1 \u0111\u00f4ng.<\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3n \u1ee9ng \u201cd\u00e8 d\u1eb7t\u201d<\/strong><\/h5>\n

L\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp nh\u01b0ng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang t\u1ecf ra d\u00e8 d\u1eb7t khi \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng c\u1ee7a d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u00ean ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a m\u00ecnh.<\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng c\u00f4ng b\u1ed1 t\u1ef7 tr\u1ecdng c\u1ee7a m\u1ea3ng cho vay gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp (cho vay ti\u1ec1n m\u1eb7t) hi\u1ec7n nay l\u00e0 bao nhi\u00eau trong t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng; tuy nhi\u00ean, gi\u1edbi quan s\u00e1t cho r\u1eb1ng \u0111\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 con s\u1ed1 nh\u1ecf.<\/p>\n

Ch\u1eb3ng h\u1ea1n, t\u1ea1i HD Saison, theo t\u00ednh to\u00e1n c\u1ee7a VDSC, t\u1ef7 tr\u1ecdng c\u1ee7a cho vay ti\u1ec1n m\u1eb7t trong danh m\u1ee5c \u0111\u01b0\u1ee3c gi\u1eef \u1edf m\u1ee9c 32% n\u0103m 2018 (gi\u1ea3m nh\u1eb9 so v\u1edbi m\u1ee9c 33% c\u1ee7a n\u0103m 2017), trong khi cho vay mua xe m\u00e1y chi\u1ebfm kho\u1ea3ng 41% v\u00e0 cho vay mua h\u00e0ng ti\u00eau d\u00f9ng l\u00e2u b\u1ec1n chi\u1ebfm kho\u1ea3ng 25%.<\/p>\n

Trong b\u1ed1i c\u1ea3nh ho\u1ea1t \u0111\u1ed9ng cho vay tr\u1ea3 g\u00f3p \u0111ang d\u1ea7n tr\u1edf n\u00ean b\u00e3o h\u00f2a v\u1edbi s\u1ef1 g\u00f3p m\u1eb7t c\u1ee7a h\u00e0ng lo\u1ea1t t\u00ean tu\u1ed5i l\u1edbn nh\u01b0 Home Credit, FE Credit, HD Saison… th\u00ec c\u00e1c doanh nghi\u1ec7p m\u1edbi mu\u1ed1n nh\u1ea3y v\u00e0o th\u1ecb tr\u01b0\u1eddng n\u00e0y s\u1ebd bu\u1ed9c ph\u1ea3i \u01b0u ti\u00ean ph\u00e2n kh\u00fac cho vay ti\u1ec1n m\u1eb7t.<\/p>\n

M\u1edbi \u0111\u00e2y nh\u1ea5t, Easy Credit – th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a EVN Finance – khi ra m\u1eaft th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 tung ra g\u00f3i cho vay ti\u1ec1n m\u1eb7t cho kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp ch\u1ec9 t\u1eeb 4,5 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean. Hay tr\u01b0\u1edbc \u0111\u00f3 kh\u00f4ng l\u00e2u, SHB Finance c\u0169ng \u0111\u01b0a ra nhi\u1ec1u g\u00f3i s\u1ea3n ph\u1ea9m vay ti\u1ec1n cho nh\u00f3m kh\u00e1ch h\u00e0ng c\u00f3 m\u1ee9c thu nh\u1eadp trung b\u00ecnh t\u1eeb 3 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean.<\/p>\n

V\u00ec v\u1eady, vi\u1ec7c h\u1ea1n ch\u1ebf t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay (kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh) \u0111\u01b0\u1ee3c cho l\u00e0 \u0111\u1ed9ng th\u00e1i si\u1ebft l\u1ea1i \u0111\u1ec3 h\u1ea1n ch\u1ebf nguy c\u01a1 r\u1ee7i ro t\u1eeb ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng m\u1edf r\u1ed9ng kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Ph\u1ea7n l\u1edbn c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho r\u1eb1ng tr\u01b0\u1edbc m\u1eaft c\u1ea7n r\u00e0 so\u00e1t l\u1ea1i ho\u1ea1t \u0111\u1ed9ng, c\u01a1 c\u1ea5u kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc khi \u0111\u01b0a ra nh\u1eefng \u0111\u00e1nh gi\u00e1 c\u1ee5 th\u1ec3.<\/p>\n

\u0110\u1ea1i di\u1ec7n C\u00f4ng ty T\u00e0i ch\u00ednh HD Saison cho bi\u1ebft, tr\u01b0\u1edbc khi d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 n\u00e0y ra \u0111\u1eddi, ph\u1ea7n l\u1edbn kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c cho vay ti\u1ec1n m\u1eb7t t\u1eeb HD Saison \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n quy \u0111\u1ecbnh trong d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0, t\u1ee9c l\u00e0 kh\u00e1ch h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang vay t\u1ea1i HD Saison v\u00e0 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 c\u00f3 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ed1t theo quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 c\u1ee7a c\u00f4ng ty; \u0111\u1ed3ng th\u1eddi, kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u theo k\u1ebft qu\u1ea3 ph\u00e2n lo\u1ea1i nh\u00f3m n\u1ee3 c\u1ee7a Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia Vi\u1ec7t Nam, t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m g\u1ea7n nh\u1ea5t k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng. Do \u0111\u00f3, quy \u0111\u1ecbnh nh\u01b0 trong d\u1ef1 th\u1ea3o s\u1ebd kh\u00f4ng \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a HD Saison.<\/p>\n

\u201cV\u1eabn \u0111ang trong qu\u00e1 tr\u00ecnh l\u1ea5y \u00fd ki\u1ebfn n\u00ean ch\u01b0a th\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a d\u1ef1 th\u1ea3o \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a doanh nghi\u1ec7p. Nh\u01b0ng x\u00e9t v\u1ec1 y\u1ebfu t\u1ed1 t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c, n\u1ebfu d\u1ef1 th\u1ea3o \u0111\u01b0\u1ee3c th\u00f4ng qua, n\u00f3 s\u1ebd gi\u00fap th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng h\u01a1n, gi\u1ea3m r\u1ee7i ro h\u01a1n cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Vi\u1ec7c tr\u01b0\u1edbc m\u1eaft doanh nghi\u1ec7p c\u1ea7n l\u00e0m l\u00e0 r\u00e0 so\u00e1t l\u1ea1i ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh h\u1ee3p l\u00fd. Tr\u00ean tinh th\u1ea7n l\u00e0 doanh nghi\u1ec7p s\u1ebd tu\u00e2n th\u1ee7 m\u1ecdi thay \u0111\u1ed5i v\u1ec1 ch\u00ednh s\u00e1ch n\u1ebfu d\u1ef1 th\u1ea3o \u0111\u01b0\u1ee3c ch\u00ednh th\u1ee9c \u00e1p d\u1ee5ng\u201d , v\u1ecb n\u00e0y cho bi\u1ebft.
\nC\u00f2n theo \u0111\u1ea1i di\u1ec7n C\u00f4ng ty T\u00e0i ch\u00ednh FE Credit, hi\u1ec7n doanh nghi\u1ec7p ch\u1ec9 m\u1edbi ti\u1ebfp nh\u1eadn th\u00f4ng tin ch\u1ee9 ch\u01b0a th\u1ec3 \u0111\u01b0a ra ph\u1ea3n h\u1ed3i n\u00e0o.<\/p>\n

Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 n\u00e0y si\u1ebft ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, v\u00f4 h\u00ecnh trung \u0111\u00e3 t\u1ef1 h\u1ea1n ch\u1ebf m\u1ed9t c\u00f4ng c\u1ee5 h\u1eefu hi\u1ec7u trong vi\u1ec7c ch\u1ed1ng t\u00edn d\u1ee5ng \u0111en. Mu\u1ed1n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en th\u00ec c\u1ea7n \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 m\u1ed9t m\u00f4i tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng t\u1ed1t nh\u1ea5t.
\n\u201cV\u1eeba mu\u1ed1n kh\u1ed1ng ch\u1ebf t\u00edn d\u1ee5ng \u0111en, l\u1ea1i v\u1eeba kh\u1ed1ng ch\u1ebf ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec hai \u0111i\u1ec1u n\u00e0y r\u00f5 r\u00e0ng l\u00e0 m\u00e2u thu\u1eabn v\u1edbi nhau\u201d – chuy\u00ean gia t\u00e0i ch\u00ednh, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh.<\/p>\n

B\u00ecnh Nguy\u00ean<\/em><\/strong>\u00a0\u00a0\u00a0\u00a0<\/em><\/strong><\/h5>\n

Kinh t\u1ebf S\u00e0i G\u00f2n 04-4-2019 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/em><\/strong><\/p>\n

(1.188\/1.188)<\/em><\/p>\n

———
\n<\/em>C\u1ea5m kh\u00f4ng b\u1eb1ng m\u1edf<\/strong><\/h4>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/strong><\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/strong><\/p>\n

Cho<\/em> vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t k\u00eanh t\u00edn d\u1ee5ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh trong m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y, nh\u01b0ng v\u1eabn ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a x\u00e3 h\u1ed9i, \u0111\u1ed3ng th\u1eddi c\u0169ng b\u1ed9c l\u1ed9 nh\u1eefng v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp, m\u00e0 \u0111i\u1ec3n h\u00ecnh l\u00e0 c\u00e1ch th\u1ee9c gi\u1ea3i ng\u00e2n v\u00e0 thu n\u1ee3.<\/em><\/p>\n

C\u00e1ch th\u1ee9c gi\u1ea3i ng\u00e2n<\/strong><\/h5>\n

Vi\u1ec7c cho vay n\u00f3i chung c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo h\u01b0\u1edbng h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t, nh\u1ea5t l\u00e0 gi\u1ea3i ng\u00e2n cho ch\u00ednh kh\u00e1ch h\u00e0ng vay v\u1ed1n. Ri\u00eang vi\u1ec7c cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh theo Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN ng\u00e0y 31-12-2016 th\u00ec l\u1ea1i ch\u01b0a \u0111\u1eb7t ra y\u00eau c\u1ea7u h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n b\u1eb1ng ti\u1ec1n m\u1eb7t v\u00e0 h\u1ea1n ch\u1ebf gi\u1ea3i ng\u00e2n cho ch\u00ednh kh\u00e1ch h\u00e0ng vay v\u1ed1n. Vi\u1ec7c n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng kh\u00f3 ki\u1ec3m so\u00e1t so\u00e1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn an to\u00e0n v\u1ed1n v\u00e0 kh\u00f4ng h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t.<\/p>\n

V\u00ec v\u1eady, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang d\u1ef1 ki\u1ebfn s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh tr\u00ean theo h\u01b0\u1edbng: Vi\u1ec7c gi\u1ea3i ng\u00e2n cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i ng\u00e2n cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Theo \u0111\u00f3 vi\u1ec7c gi\u1ea3i ng\u00e2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh cho hai \u0111\u1ecba ch\u1ec9, \u0111\u1ea7u ti\u00ean l\u00e0 \u01b0u ti\u00ean gi\u1ea3i ng\u00e2n cho b\u00ean th\u1ee5 h\u01b0\u1edfng (b\u00ean cung \u1ee9ng h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5), sau \u0111\u00f3 m\u1edbi l\u00e0 gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay.<\/p>\n

Vi\u1ec7c gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ed1t v\u00e0 kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ed3ng th\u1eddi t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

C\u00e1ch th\u1ee9c thu n\u1ee3<\/strong><\/h5>\n

Vi\u1ec7c \u0111\u00f2i n\u1ee3 trong th\u1eddi gian qua c\u1ee7a m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i, email, m\u1ea1ng x\u00e3 h\u1ed9i hay tr\u1ef1c ti\u1ebfp, mang t\u00ednh ch\u1ea5t qu\u1ea5y r\u1ed1i, g\u00e2y phi\u1ec1n nhi\u1ec5u, th\u1eadm ch\u00ed \u0111e do\u1ea1, kh\u1ee7ng b\u1ed1 tinh th\u1ea7n, ki\u1ec3u nh\u01b0 g\u1ecdi \u0111i\u1ec7n t\u1ef1 \u0111\u1ed9ng h\u00e0ng tr\u0103m cu\u1ed9c m\u1ed9t ng\u00e0y, g\u00e2y ra s\u1ef1 b\u1ee9c x\u00fac cho nhi\u1ec1u kh\u00e1ch h\u00e0ng. Kh\u00f4ng nh\u1eefng th\u1ebf, c\u00f2n \u0111\u00f2i n\u1ee3 c\u1ea3 ng\u01b0\u1eddi th\u00e2n quen c\u1ee7a kh\u00e1ch h\u00e0ng, d\u00f9 h\u1ecd kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi \u0111\u1ed3ng tr\u00e1ch nhi\u1ec7m, ng\u01b0\u1eddi b\u1ea3o l\u00e3nh hay c\u00f3 ngh\u0129a v\u1ee5 g\u00ec \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3.<\/p>\n

V\u00ec v\u1eady, c\u0169ng d\u1ef1 ki\u1ebfn s\u1eeda \u0111\u1ed5i \u0111\u1ed1i v\u1edbi c\u00e1ch th\u1ee9c thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh. Theo \u0111\u00f3, ngo\u00e0i quy \u0111\u1ecbnh th\u1eddi gian nh\u1eafc n\u1ee3 ph\u1ea3i trong kho\u1ea3ng t\u1eeb 7 gi\u1edd \u0111\u1ebfn 21 gi\u1edd v\u00e0 kh\u00f4ng bao g\u1ed3m bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, th\u00ec c\u00f2n b\u1ed5 sung quy \u0111\u1ecbnh \u201ckh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3 t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho c\u00f4ng ty t\u00e0i ch\u00ednh\u201d.<\/p>\n

Tuy nhi\u00ean, c\u1ea7n ph\u1ea3i xem x\u00e9t quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 h\u01a1n nh\u01b0: Kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f2i n\u1ee3 t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c, n\u01a1i c\u00f4ng c\u1ed9ng, kh\u00f4ng \u0111\u01b0\u1ee3c x\u00fac ph\u1ea1m \u0111\u1ebfn danh d\u1ef1, nh\u00e2n ph\u1ea9m c\u1ee7a kh\u00e1ch h\u00e0ng; kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f2i n\u1ee3 mang t\u00ednh ch\u1ea5t kh\u1ee7ng b\u1ed1, li\u00ean t\u1ee5c qu\u00e1 3 l\u1ea7n m\u1ed7i ng\u00e0y v\u00e0 c\u1ea7n h\u1ea1n ch\u1ebf ch\u1eb7t h\u01a1n \u0111\u1ed1i v\u1edbi ng\u00e0y ngh\u1ec9 cu\u1ed1i tu\u1ea7n, ng\u00e0y ngh\u1ec9 l\u1ec5, t\u1ebft, ng\u00e0y hi\u1ebfu h\u1ec9 c\u1ee7a b\u1ea3n th\u00e2n v\u00e0 c\u1ee7a b\u1ed1, m\u1eb9, v\u1ee3 con kh\u00e1ch h\u00e0ng.<\/p>\n

\u00a0<\/strong>Gi\u1ea3i ph\u00e1p to\u00e0n di\u1ec7n<\/strong><\/p>\n

\u0110\u1ec3 gi\u1ea3m thi\u1ec3u t\u00ecnh tr\u1ea1ng cho vay l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 g\u00e2y s\u1ee9c \u00e9p n\u1eb7ng n\u1ec1 khi \u0111\u00f2i n\u1ee3, nh\u1ea5t l\u00e0 t\u00edn d\u1ee5ng \u0111en v\u1eabn c\u00f2n di\u1ec5n ra t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ed5 bi\u1ebfn, th\u00ec c\u1ea7n ph\u1ea3i c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p c\u01a1 b\u1ea3n, tri\u1ec7t \u0111\u1ec3 v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n

T\u00edn d\u1ee5ng v\u00e0 l\u00e3i su\u1ea5t l\u00e0 m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng kinh t\u1ebf, v\u00ec v\u1eady c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c t\u1eadp trung gi\u1ea3i quy\u1ebft b\u1eb1ng gi\u1ea3i ph\u00e1p kinh t\u1ebf. Quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i t\u1ea1o ra l\u1ef1c l\u01b0\u1ee3ng cho vay d\u1ed3i d\u00e0o, h\u00ecnh th\u00e0nh th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng c\u1ea1nh tranh cao, c\u00e2n \u0111\u1ed1i cung c\u1ea7u \u0111\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c t\u1ed1t nh\u1ea5t nhu c\u1ea7u vay v\u1ed1n. C\u1ee5 th\u1ec3, c\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p sau:<\/p>\n

Th\u1ee9 nh\u1ea5t<\/em>, \u0111\u1ea9y m\u1ea1nh k\u00eanh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u1ea7n n\u1edbi l\u1ecfng gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u ki\u1ec7n cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, v\u00ec kh\u00f4ng huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a c\u00e1 nh\u00e2n;<\/p>\n

Th\u1ee9 hai<\/em>, khuy\u1ebfn kh\u00edch c\u00e1c k\u00eanh cho vay h\u1ee3p ph\u00e1p nh\u01b0 cho vay c\u1ea7m \u0111\u1ed3; cho vay ngang h\u00e0ng; cho vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c h\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1edfng;\u2026<\/p>\n

Th\u1ee9 ba<\/em>, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u1ea7n khuy\u1ebfn kh\u00edch c\u00e1c doanh nghi\u1ec7p, c\u00e1 nh\u00e2n v\u1eabn cho vay l\u1eabn nhau \u0111\u01b0\u1ee3c ph\u00e9p m\u1edf r\u1ed9ng cho vay b\u1eb1ng ch\u00ednh ngu\u1ed3n v\u1ed1n c\u1ee7a h\u1ecd c\u00f9ng v\u1edbi c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0, kh\u00f4ng c\u1ea7n ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p cho vay, kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n cho vay; kh\u00f4ng ph\u1ea3i n\u1ed9p thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (ch\u1ec9 ph\u1ea3i n\u1ed9p thu\u1ebf thu nh\u1eadp nh\u01b0 hi\u1ec7n nay) v\u00e0 t\u1ef1 ch\u1ecbu m\u1ecdi r\u1ee7i ro b\u1eb1ng ti\u1ec1n v\u1ed1n c\u1ee7a h\u1ecd;<\/p>\n

Th\u1ee9 t\u01b0<\/em>, c\u1ea7n ph\u1ea3i s\u1eeda \u0111\u1ed5i lu\u1eadt cho ph\u00e9p m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng cho vay \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cao b\u1eb1ng v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m c\u00e2n b\u1eb1ng th\u1ecb tr\u01b0\u1eddng v\u00e0 l\u1ebd c\u00f4ng b\u1eb1ng \u0111\u1ed1i x\u1eed. Hi\u1ec7n nay B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay chung kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t 20%\/n\u0103m, trong khi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n b\u1edfi tr\u1ea7n l\u00e3i su\u1ea5t n\u00e0y;<\/p>\n

Th\u1ee9 n\u0103m<\/em>, ki\u00ean quy\u1ebft x\u1eed l\u00fd nghi\u00eam kh\u1eafc, k\u1ecbp th\u1eddi t\u00edn d\u1ee5ng \u0111en, trong \u0111\u00f3 ch\u1ee7 y\u1ebfu l\u00e0 x\u1eed l\u00fd c\u00e1c h\u00e0nh vi l\u1eeba d\u1ed1i, \u0111e do\u1ea1, c\u01b0\u1ee1ng \u00e9p kh\u00e1ch h\u00e0ng vay v\u1ed1n.<\/p>\n

Do y\u00eau c\u1ea7u \u0111\u1eb7c th\u00f9 c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng, n\u00ean c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 h\u1ea1 ti\u00eau chu\u1ea9n cho vay v\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. V\u00ec v\u1eady, c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i qu\u1ea3n \u0111i\u1ec3m ch\u00ednh l\u00e0, m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c. Kh\u00f4ng n\u00ean gi\u1ea3i th\u00edch c\u1ee9ng nh\u1eafc r\u1eb1ng, cho vay l\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng n\u00ean ph\u1ea3i \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Ch\u1ec9 n\u00ean t\u1eadp trung v\u00e0o vi\u1ec7c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a d\u00e2n ch\u00fang, nh\u1eb1m tr\u00e1nh \u0111\u1ed5 v\u1ee1, g\u00e2y r\u1ee7i cho cho h\u1ec7 th\u1ed1ng v\u00e0 m\u1ea5t ti\u1ec1n g\u1eedi c\u1ee7a s\u1ed1 \u0111\u00f4ng.<\/p>\n

 <\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014<\/p>\n

TB<\/em><\/strong> Kinh t\u1ebf SG<\/em><\/strong> (Ti\u1ec1n t\u1ec7) 04-4-2019 (ng\u00e0y 12-4 m\u1edbi l\u00ean m\u1ea1ng):<\/em><\/strong><\/p>\n

https:\/\/www.thesaigontimes.vn\/286976\/a.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

C\u1ea5m kh\u00f4ng b\u1eb1ng m\u1edf (KTSG) – Cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t k\u00eanh t\u00edn d\u1ee5ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh trong m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y, nh\u01b0ng v\u1eabn ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a x\u00e3 h\u1ed9i, \u0111\u1ed3ng th\u1eddi c\u0169ng b\u1ed9c l\u1ed9 nh\u1eefng v\u1ea5n \u0111\u1ec1 b\u1ea5t c\u1eadp, m\u00e0 \u0111i\u1ec3n h\u00ecnh l\u00e0 c\u00e1ch th\u1ee9c gi\u1ea3i ng\u00e2n v\u00e0 […]<\/p>\n","protected":false},"author":7,"featured_media":4481,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[44,36],"class_list":["post-4480","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dau-tu","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n248. 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