{"id":6686,"date":"2017-07-12T17:53:50","date_gmt":"2017-07-12T10:53:50","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6686"},"modified":"2022-02-14T20:18:21","modified_gmt":"2022-02-14T13:18:21","slug":"287-phat-trien-tai-chinh-tieu-dung-can-no-luc-tong-the","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/287-phat-trien-tai-chinh-tieu-dung-can-no-luc-tong-the\/","title":{"rendered":"287. Ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: C\u1ea7n n\u1ed7 l\u1ef1c t\u1ed5ng th\u1ec3."},"content":{"rendered":"(ANVI) – B\u00e1o \u0110\u1ea7u t\u01b0\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\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 H\u00e0 N\u1ed9i ng\u00e0y 12-7-2017<\/em><\/strong><\/p>\n

Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng<\/strong><\/p>\n

Trong t\u01b0\u01a1ng lai, \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh cho ti\u00eau d\u00f9ng s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n m\u1ea1nh g\u00f3p ph\u1ea7n gi\u1ea3m cho vay n\u1eb7ng l\u00e3i, t\u00edn d\u1ee5ng \u0111en. Theo \u0111\u00f3 c\u1ea7n c\u00f3 nh\u00ecn nh\u1eadn \u0111\u00fang v\u1ec1 vai tr\u00f2 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng t\u1eeb ch\u00ednh nh\u1eefng ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng nh\u01b0 c\u01a1 quan qu\u1ea3n l\u00fd.<\/em><\/p>\n

Vai tr\u00f2 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng<\/strong><\/p>\n

Hi\u1ec7n t\u1ea1i, do d\u1ecbch v\u1ee5 cho vay c\u1ea7m \u0111\u1ed3 ch\u1ee7 y\u1ebfu l\u00e0 cho vay n\u00f3ng v\u00e0 lu\u00f4n ph\u1ea3i y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, c\u00f2n c\u00e1c ng\u00e2n h\u00e0ng \u00edt cho vay ti\u00eau d\u00f9ng, n\u00ean c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c ph\u00e1t tri\u1ec3n t\u00edn d\u1ee5ng v\u00e0 ti\u00eau d\u00f9ng.<\/p>\n

T\u00edn d\u1ee5ng \u0111en ph\u00e1t tri\u1ec3n m\u1ea1nh do v\u1ea5n \u0111\u1ec1 cung c\u1ea7u. Th\u1ee9 nh\u1ea5t, nhu c\u1ea7u vay v\u1ed1n r\u1ea5t l\u1edbn, \u0111a d\u1ea1ng. Th\u1ee9 hai, ng\u00e2n h\u00e0ng c\u0169ng h\u1ea1n ch\u1ebf cho vay ti\u00eau d\u00f9ng nh\u1ecf l\u1ebb v\u00ec nhi\u1ec1u l\u00fd do nh\u01b0 n\u0103ng l\u1ef1c, quan \u0111i\u1ec3m kinh doanh v\u00e0 c\u00e1c nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f2i h\u1ecfi y\u00eau c\u1ea7u cao n\u00ean kh\u00f3 cho vay ti\u00eau d\u00f9ng. c\u00f4ng ty t\u00e0i ch\u00ednh khi tham gia l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u cho vay nhanh, d\u1ecbch v\u1ee5 cung c\u1ea5p ph\u00f9 h\u1ee3p th\u1ecb tr\u01b0\u1eddng nh\u01b0ng l\u00e3i su\u1ea5t th\u01b0\u1eddng cao g\u1ea5p \u0111\u00f4i, g\u1ea5p ba so v\u1edbi ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, l\u00e3i vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh so v\u1edbi t\u00edn d\u1ee5ng \u0111en th\u1ea5p h\u01a1n v\u00e0 \u00edt r\u1ee7i ro h\u01a1n. Vi\u1ec7c cho vay h\u1ee3p ph\u00e1p n\u00e0y n\u1ebfu ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c s\u1ebd \u0111\u00e1p \u1ee9ng nhu c\u1ea7u x\u00e3 h\u1ed9i, h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng \u0111en.<\/p>\n

C\u00f3 th\u1ec3 n\u00f3i g\u1ea7n nh\u01b0 ch\u01b0a c\u00f3 s\u1ef1 c\u1ea1nh tranh gi\u1eefa c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00ec tr\u00ean th\u1ef1c t\u1ebf m\u1edbi ch\u1ec9 c\u00f3 g\u1ea7n m\u1ed9t ch\u1ee5c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay ti\u00eau d\u00f9ng, trong \u0111\u00f3 m\u1ed9t s\u1ed1 ch\u1ec9 cho vay chuy\u00ean bi\u1ec7t trong m\u1ed9t l\u0129nh v\u1ef1c nh\u01b0 mua \u00f4 t\u00f4, xe m\u00e1y ho\u1eb7c ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng trong m\u1ed9t t\u1ec9nh v\u00e0 ch\u1ec9 c\u00f3 2 – 3\u00a0 c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng tr\u00ean ph\u1ea1m vi r\u1ed9ng \u00edt nhi\u1ec1u c\u00f3 s\u1ef1 c\u1ea1nh tranh. Nhi\u1ec1u ng\u01b0\u1eddi ph\u1ea3i \u0111i vay t\u1ea1i c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3, th\u1eadm ch\u00ed t\u00ecm \u0111\u1ebfn c\u1ea3 t\u00edn d\u1ee5ng \u0111en v\u1edbi l\u00e3i su\u1ea5t r\u1ea5t cao. Trong khi \u0111\u00f3, hi\u1ec7n th\u1ecb tr\u01b0\u1eddng v\u1edbi 90 tri\u1ec7u d\u00e2n nh\u01b0ng ch\u1ec9 c\u00f3 v\u00e0i c\u00f4ng ty c\u00f4ng ty t\u00e0i ch\u00ednh cho vay th\u00f4i v\u00e0 \u0111\u1ed9 ph\u1ee7 s\u00f3ng, m\u1ea1ng l\u01b0\u1edbi, s\u1ea3n ph\u1ea9m… c\u00f2n h\u1ea1n ch\u1ebf.<\/p>\n

V\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh, l\u00e3i su\u1ea5t s\u1ebd kh\u00f4ng theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c v\u00ec n\u1ebfu \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t c\u0169 hay tr\u1ea7n m\u1edbi \u0111\u1ec1u r\u1ea5t b\u1ea5t c\u1eadp. Theo quy lu\u1eadt c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng c\u1ea7n \u0111\u01b0\u1ee3c d\u1ef1a tr\u00ean c\u01a1 ch\u1ebf th\u1ecfa thu\u1eadn gi\u1eefa b\u00ean \u0111i vay v\u00e0 b\u00ean cho vay. Tuy nhi\u00ean, v\u1edbi m\u1ed9t th\u1ecb tr\u01b0\u1eddng qu\u00e1 l\u1edbn m\u00e0 m\u1edbi ch\u1ec9 c\u00f3 6 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cung c\u1ea5p d\u1ecbch v\u1ee5 th\u00ec \u0111i\u1ec1u n\u00e0y d\u1eabn t\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay b\u1ecb m\u1ea5t \u0111i t\u00ednh c\u1ea1nh tranh. C\u1ea7n ph\u00e1t tri\u1ec3n th\u00eam nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh h\u01a1n n\u1eefa th\u00ec l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng s\u1ebd t\u1ef1 d\u1ea7n \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 m\u1ee9c h\u1ee3p l\u00fd.<\/p>\n

Nh\u1eefng v\u1ea5n \u0111\u1ec1 ng\u01b0\u1eddi d\u00e2n c\u1ea7n l\u01b0u \u00fd khi ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng<\/strong><\/p>\n

T\u1ef1 nguy\u1ec7n k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u1ed3ng \u00fd v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng, nh\u1ea5t l\u00e0 v\u1ec1 th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u00e3i su\u1ea5t trong h\u1ea1n c\u0169ng nh\u01b0 qu\u00e1 h\u1ea1n.<\/p>\n

Kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ecdc k\u1ef9, kh\u00f4ng t\u00ecm hi\u1ec3u v\u1ea5n \u0111\u1ec1 s\u1ebd ngh\u0129 m\u00ecnh b\u1ecb l\u1eeba khi ph\u1ea3i tr\u1ea3 s\u1ed1 n\u1ee3 qu\u00e1 cao. L\u00e3i su\u1ea5t, th\u1eddi h\u1ea1n vay, \u0111i\u1ec1u ki\u1ec7n vay, c\u00f4ng th\u1ee9c t\u00ednh to\u00e1n,… t\u01b0\u01a1ng \u0111\u1ed1i c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng, nh\u01b0ng ng\u01b0\u1eddi vay \u00edt quan t\u00e2m v\u00e0 kh\u00f4ng \u0111\u1ecdc k\u1ef9 th\u00ec s\u1ebd kh\u00f4ng hi\u1ec3u. \u0110\u1ebfn l\u00fac ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i, nh\u1ea5t l\u00e0 ph\u1ea3i \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i ph\u1ea1t tr\u1ea3 ch\u1eadm, t\u1ee9c \u00e1p m\u1ee9c l\u00e3i qu\u00e1 h\u1ea1n, th\u00ec kh\u00e1ch h\u00e0ng m\u1edbi gi\u1eadt m\u00ecnh t\u01b0\u1edfng r\u1eb1ng b\u1ecb l\u1eeba.<\/p>\n

Ngo\u00e0i ra, c\u0169ng kh\u00f4ng lo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00e2u ch\u1eef trong h\u1ee3p \u0111\u1ed3ng kh\u00f4ng th\u1eadt s\u1ef1 r\u00f5 r\u00e0ng, vi\u1ec7c t\u01b0 v\u1ea5n, gi\u1ea3i th\u00edch kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, n\u00ean kh\u00e1ch h\u00e0ng kh\u00f4ng hi\u1ec3u \u0111\u01b0\u1ee3c ho\u1eb7c hi\u1ec3u nh\u1ea7m n\u00ean c\u0169ng c\u00f3 c\u1ea3m gi\u00e1c nh\u01b0 b\u1ecb l\u1eeba. \u0110i\u1ec1u n\u00e0y th\u01b0\u1eddng hay x\u1ea3y ra \u0111\u1ed1i v\u1edbi ph\u01b0\u01a1ng th\u1ee9c cho vay t\u00ednh l\u00e3i c\u1ed1 \u0111\u1ecbnh tr\u00ean d\u01b0 n\u1ee3 ban \u0111\u1ea7u.<\/p>\n

V\u00ed d\u1ee5, vay 10 tri\u1ec7u trong m\u1ed9t n\u0103m, l\u00e3i 5% m\u1ed9t th\u00e1ng, s\u1ed1 n\u1ee3 g\u1ed1c ch\u1ec9 c\u00f2n m\u1ed9t tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng v\u1eabn ph\u1ea3i tr\u1ea3 l\u00e3i 500.000 \u0111\u1ed3ng m\u1ed9t th\u00e1ng, t\u1ee9c l\u00ean \u0111\u1ebfn 50% m\u1ed9t th\u00e1ng. \u0110i\u1ec1u n\u00e0y kh\u00e1c xa so v\u1edbi tr\u1ea3 l\u00e3i theo s\u1ed1 d\u01b0 th\u1ef1c t\u1ebf, khi d\u01b0 n\u1ee3 ch\u1ec9 c\u00f2n m\u1ed9t tri\u1ec7u th\u00ec ch\u1ec9 ph\u1ea3i tr\u1ea3 50.000 \u0111\u1ed3ng, t\u1ee9c v\u1eabn 5% m\u1ed9t th\u00e1ng.<\/p>\n

Tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi vay c\u1ea7n c\u00e2n nh\u1eafc k\u1ef9 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a m\u00ecnh. N\u1ebfu vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i x\u1eed l\u00fd theo \u0111\u00fang ph\u00e1p lu\u1eadt v\u00e0 th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng. C\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u1edbi l\u00e3i su\u1ea5t 30 – 40% m\u1ed9t n\u0103m hay cao h\u01a1n c\u0169ng \u0111\u01b0\u1ee3c. Nh\u1eefng ch\u1ebf t\u00e0i kh\u00e1c nh\u01b0 l\u00e0 \u0111\u00f4n \u0111\u1ed1c, th\u00fac gi\u1ee5c, ki\u1ec7n ra t\u00f2a, x\u1eed l\u00fd t\u00e0i s\u1ea3n… \u0111\u1ec1u \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt cho ph\u00e9p.<\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i r\u00e1o ri\u1ebft, ph\u1ea3i l\u00e0m m\u1ea1nh nh\u1eb1m thu h\u1ed3i v\u1ed1n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u1ed1n v\u00e0 hi\u1ec7u qu\u1ea3 kinh doanh, ch\u1ee9 kh\u00f4ng th\u1ec3 ch\u00e2m ch\u01b0\u1edbc, \u01b0u \u00e1i cho kh\u00e1ch h\u00e0ng. Cho vay s\u1ea3n xu\u1ea5t kinh doanh th\u00ec l\u00e3i su\u1ea5t th\u1ea5p, c\u00f2n \u0111\u01b0\u1ee3c xem x\u00e9t nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 gia h\u1ea1n, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3, r\u1ed3i mi\u1ec5n gi\u1ea3m l\u00e3i\u2026 C\u00f2n cho vay ti\u00eau d\u00f9ng th\u00ec g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m \u0111\u1ea5y, cho n\u00ean \u0111\u00e3 kh\u00f4ng tr\u1ea3 n\u1ee3 th\u00ec th\u01b0\u1eddng b\u1ecb \u00e1p ch\u1ebf t\u00e0i r\u1ea5t n\u1eb7ng v\u00e0 r\u1ea5t nhanh, \u00edt c\u00f3 \u0111\u1ed9 tr\u1ec5 nh\u01b0 cho vay s\u1ea3n xu\u1ea5t kinh doanh. Ch\u1eadm tr\u1ea3 n\u1ee3 trong cho vay ti\u00eau d\u00f9ng th\u00ec l\u00e3i t\u0103ng th\u00eam r\u1ea5t nhanh, ch\u1eb3ng m\u1ea5y ch\u1ed1c m\u00e0 l\u00e3i nhi\u1ec1u h\u01a1n g\u1ed1c.\u0110\u1eb7c bi\u1ec7t B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u00f2n cho ph\u00e9p thu th\u00eam kho\u1ea3n l\u00e3i 10% t\u00ecnh tr\u00ean s\u1ed1 ti\u1ec1n l\u00e3i ch\u1eadm tr\u1ea3 so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

\u0110\u1ec3 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, c\u1ea7n c\u00f3 m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh<\/strong><\/p>\n

M\u1eb7c d\u00f9 Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN \u0111\u01b0\u1ee3c ban h\u00e0nh ng\u00e0y 30\/12\/2016 c\u00f3 nh\u1eefng t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, b\u1edfi \u0111\u00e2y l\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean c\u00f3 quy \u0111\u1ecbnh ph\u00e1p l\u00fd ri\u00eang \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng lo\u1ea1i h\u00ecnh cho vay n\u00e0y c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh. Th\u00f4ng t\u01b0 \u0111\u00e3 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh \u0111\u01a1n gi\u1ea3n v\u00e0 h\u1ee3p l\u00fd, ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, gi\u00fap c\u00f4ng ty t\u00e0i ch\u00ednh d\u1ec5 d\u00e0ng cho vay, \u0111\u1ed3ng th\u1eddi gi\u00fap ng\u01b0\u1eddi vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 linh ho\u1ea1t vay v\u1ed1n ph\u1ee5c v\u1ee5 nhi\u1ec1u m\u1ee5c \u0111\u00edch, nh\u1eb1m n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng. Nh\u00ecn chung, Th\u00f4ng t\u01b0 43 v\u1eeba b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng, v\u1eeba t\u1ea1o m\u00f4i tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh cho th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam. Tuy nhi\u00ean, v\u1ec1 l\u00e2u d\u00e0i, c\u1ea7n xem x\u00e9t lo\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh ra kh\u1ecfi Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ec3 kh\u00f4ng ph\u1ea3i \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n, ch\u1ebf t\u00e0i ng\u1eb7t ngh\u00e8o nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c d\u1ee5ng.<\/p>\n

\u1ede c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u0169ng gi\u1ed1ng h\u01b0\u1edbng Vi\u1ec7t Nam \u0111ang \u0111i, nh\u01b0 kh\u00f4ng c\u00f3 tr\u1ea7n l\u00e3i su\u1ea5t v\u00e0 l\u00e3i su\u1ea5t cho vay c\u0169ng r\u1ea5t cao so v\u1edbi m\u1eb7t b\u1eb1ng chung.Nh\u01b0ng h\u1ecd qu\u1ea3n l\u00fd c\u00e1c d\u1eef li\u1ec7u v\u1ec1 ti\u00eau chu\u1ea9n, bi\u1ec7n ph\u00e1p, con s\u1ed1 r\u1ea5t chu\u1ea9n, nh\u01b0 kh\u00e1ch h\u00e0ng bao nhi\u00eau tu\u1ed5i, s\u1ee9c kh\u1ecfe th\u1ebf n\u00e0o, thu nh\u1eadp v\u00e0 \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf ra sao n\u00ean r\u1ee7i ro th\u1ea5p h\u01a1n. Trong khi t\u1ea1i Vi\u1ec7t Nam, m\u1ecdi d\u1eef li\u1ec7u \u0111\u1ec1u l\u00e0 con s\u1ed1 \u1ea3o, kh\u00f4ng chu\u1ea9n n\u00ean \u00e1p d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p x\u1eed l\u00fd theo h\u01b0\u1edbng r\u1ee7i ro cao nh\u01b0 l\u00e3i su\u1ea5t cao, ti\u00eau chu\u1ea9n \u0111\u01b0\u1ee3c vay cao h\u01a1n.<\/p>\n

Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ban h\u00e0nh quy \u0111\u1ecbnh v\u1ec1 khung l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u00e1p d\u1ee5ng th\u1ed1ng nh\u1ea5t trong to\u00e0n h\u1ec7 th\u1ed1ng, trong t\u1eebng th\u1eddi k\u1ef3, bao g\u1ed3m m\u1ee9c l\u00e3i su\u1ea5t cho vay cao nh\u1ea5t, m\u1ee9c l\u00e3i su\u1ea5t cho vay th\u1ea5p nh\u1ea5t \u0111\u1ed1i v\u1edbi t\u1eebng s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng v\u00e0 \u0111\u01b0\u1ee3c quy\u1ec1n th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t v\u1edbi t\u1eebng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng. Theo quy lu\u1eadt cung c\u1ea7u v\u00e0 quy lu\u1eadt c\u1ea1nh tranh, s\u1ebd kh\u00f4ng c\u00f3 s\u1ef1 kh\u00e1c nhau qu\u00e1 l\u1edbn v\u1ec1 l\u00e3i su\u1ea5t cho vay v\u1edbi kho\u1ea3n vay cho c\u00e1c s\u1ea3n ph\u1ea9m t\u01b0\u01a1ng t\u1ef1 nhau. C\u0169ng gi\u1ed1ng nh\u01b0 cho vay n\u00f3i chung, l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng kho\u1ea3n vay v\u00e0 t\u1eebng kh\u00e1ch h\u00e0ng. Kh\u00e1ch h\u00e0ng c\u00e0ng c\u00f3 nhi\u1ec1u th\u00f4ng tin minh b\u1ea1ch v\u00e0 tin c\u1eady ch\u1ee9ng minh kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a m\u00ecnh th\u00ec m\u1ee9c l\u00e3i su\u1ea5t cho vay s\u1ebd c\u00e0ng th\u1ea5p.<\/p>\n

V\u00ec cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng nh\u1ecf l\u1ebb v\u00e0 ng\u1eafn h\u1ea1n, n\u00ean kh\u00e1ch h\u00e0ng \u00edt quan t\u00e2m \u0111\u1ebfn l\u00e3i su\u1ea5t ghi trong h\u1ee3p \u0111\u1ed3ng, m\u00e0 ch\u1ee7 y\u1ebfu ch\u1ec9 quan t\u00e2m \u0111\u1ebfn kho\u1ea3n ti\u1ec1n c\u1ee5 th\u1ec3 ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng. Tr\u01b0\u1edbc \u0111\u00e2y, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi t\u1eebng kho\u1ea3n vay theo tu\u1ea7n, theo th\u00e1ng, nh\u01b0ng kh\u00f4ng gi\u1ea3i th\u00edch r\u00f5, n\u00ean t\u1ea1o c\u1ea3m gi\u00e1c l\u00e3i su\u1ea5t th\u1ea5p, trong khi th\u1ef1c ch\u1ea5t l\u1ea1i kh\u00e1 cao. V\u00ed d\u1ee5, c\u00f9ng c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t 1%\/th\u00e1ng \u0111\u1ed1i v\u1edbi kho\u1ea3n vay 10 tri\u1ec7u \u0111\u1ed3ng trong 12 th\u00e1ng, tr\u1ea3 g\u1ed1c m\u1ed7i th\u00e1ng 1 tri\u1ec7u, nh\u01b0ng n\u1ebfu ph\u1ea3i tr\u1ea3 l\u00e3i theo s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c c\u1ed1 \u0111\u1ecbnh ban \u0111\u1ea7u th\u00ec l\u00e3i su\u1ea5t s\u1ebd l\u00ean \u0111\u1ebfn kho\u1ea3ng 22%, kh\u00f4ng c\u00f2n l\u00e0 12% n\u1eefa. L\u00e3i su\u1ea5t cho vay th\u1ef1c c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 20 – 30%\/n\u0103m, th\u1eadm ch\u00ed c\u00f3 nh\u1eefng kho\u1ea3n \u0111\u1eb7c bi\u1ec7t l\u00ean \u0111\u1ebfn 60 – 70%\/n\u0103m.<\/p>\n

\u0110\u1ec3 b\u1ea3o \u0111\u1ea3m ph\u1ea3n \u00e1nh \u0111\u00fang m\u1eb7t b\u1eb1ng v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t cho vay n\u00f3i chung, tr\u00e1nh t\u00ecnh tr\u1ea1ng con s\u1ed1 l\u00e3i su\u1ea5t c\u00f4ng b\u1ed1 gi\u1ed1ng nhau nh\u01b0ng th\u1ef1c ch\u1ea5t l\u1ea1i kh\u00e1c nhau r\u1ea5t l\u1edbn gi\u1eefa c\u00e1c ph\u01b0\u01a1ng th\u1ee9c t\u00ednh l\u00e3i, Th\u00f4ng t\u01b0 s\u1ed1 43\/2016\/TT-NHNN \u0111\u00e3 y\u00eau c\u1ea7u l\u00e3i su\u1ea5t ph\u1ea3i \u0111\u01b0\u1ee3c \u201cquy \u0111\u1ed5i theo t\u1ef7 l\u1ec7 %\/n\u0103m\u201d, \u0111\u1ed3ng th\u1eddi ph\u1ea3i \u201ct\u00ednh theo s\u1ed1 d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf v\u00e0 th\u1eddi gian duy tr\u00ec s\u1ed1 d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf \u0111\u00f3\u201d. Nh\u01b0 v\u1eady, trong v\u00ed d\u1ee5 n\u00eau tr\u00ean, b\u00ean c\u1ea1nh vi\u1ec7c c\u00f4ng b\u1ed1 1%\/th\u00e1ng, c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf 22%\/n\u0103m.<\/p>\n

So v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00f4ng ty t\u00e0i ch\u00ednh b\u1ecb h\u1ea1n ch\u1ebf m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 v\u00e0 \u0111i\u1ec1u ki\u1ec7n n\u00ean ph\u1ea3i c\u1ea1nh tranh v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u1ed1c li\u1ec7t h\u01a1n. Ngo\u00e0i ra, c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f2n g\u1eb7p kh\u00f3 v\u1ec1 ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng. C\u00f2n ph\u00eda ng\u00e2n h\u00e0ng c\u00f3 \u0111\u1ee7 l\u1ee3i th\u1ebf nh\u01b0ng kh\u00f3 tri\u1ec3n khai h\u01a1n c\u00f4ng ty t\u00e0i ch\u00ednh v\u00ec kh\u00f4ng th\u1ec3 kinh doanh d\u00e0n tr\u1ea3i. B\u1edfi ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 cho vay s\u1ea3n xu\u1ea5t kinh doanh n\u00ean t\u1eadp trung v\u00e0o vay ti\u00eau d\u00f9ng r\u1ea5t kh\u00f3, v\u00ec l\u0129nh v\u1ef1c n\u00e0y c\u1ea7n c\u00f3 s\u1ef1 chuy\u00ean s\u00e2u.<\/p>\n

\u0110\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng ph\u1ea3i c\u00f3 quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng. B\u1ea3n th\u00e2n c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng x\u00e1c \u0111\u1ecbnh kinh doanh ph\u1ea3i uy t\u00edn, b\u00e0i b\u1ea3n. Quan tr\u1ecdng h\u01a1n ph\u1ea3i c\u00f3 c\u00f4ng c\u1ee5, bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m n\u1ed9i dung, c\u00e2u ch\u1eef trong h\u1ee3p \u0111\u1ed3ng kh\u00f4ng g\u00e2y thi\u1ec7t h\u1ea1i \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 sau khi Ngh\u1ecb quy\u1ebft 35 n\u0103m 2017 c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u00e3 y\u00eau c\u1ea7u b\u00e3i b\u1ecf vi\u1ec7c \u0111\u0103ng k\u00fd m\u1eabu h\u1ee3p \u0111\u1ed3ng ti\u00eau d\u00f9ng v\u1edbi B\u1ed9 C\u00f4ng th\u01b0\u01a1ng.<\/p>\n

(2.072\/2.072)<\/em><\/p>\n

—————————–<\/em><\/p>\n

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

\u0110C:\u00a0<\/em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em>ANVI, ph\u00f2ng 406, T\u00f2a nh\u00e0 Savina, s\u1ed1 1 \u0110inh L\u1ec5, ph\u1ed1 Tr\u00e0ng Ti\u1ec1n, qu\u1eadn Ho\u00e0n Ki\u1ebfm,\u00a0<\/em>HN<\/em><\/p>\n

FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n

E-mail: duc.tt\u00a0@anvilaw.com<\/em><\/p>\n

Web: www.anvilaw.com<\/em><\/p>\n

\u0110T: 090.345.9070<\/em><\/p>\n

\u00a0<\/strong><\/p>\n

H\u1ed9i th\u1ea3o T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng<\/strong><\/p>\n

VIR 12-7-2017<\/p>\n

3 \u00fd ki\u1ebfn c\u1ee7a t\u00f4i \u0111\u00e3 ph\u00e1t bi\u1ec3u t\u1ea1i H\u1ed9i th\u1ea3o:<\/p>\n

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  1. Vai tr\u00f2 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh:<\/li>\n<\/ol>\n
      \n
    • Cho vay ti\u00eau d\u00f9ng l\u00e0 cho vay ti\u00eau v\u1ed1n, d\u00f9ng v\u1ed1n m\u1ea5t \u0111i & d\u00f9ng ngu\u1ed3n ti\u1ec1n ho\u00e0n to\u00e0n kh\u00e1c \u0111\u1ec3 tr\u1ea3 n\u1ee3.<\/li>\n
    • G\u00f3p ph\u1ea7n t\u00edch c\u1ef1c v\u00e0o vi\u1ec7c ti\u00eau th\u1ee5 h\u00e0ng ho\u00e1, s\u1ea3n ph\u1ea9m, ph\u00e1t tri\u1ec3n s\u1ea3n xu\u1ea5t, kinh doanh, t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf.<\/li>\n
    • C\u00e1c k\u00eanh cho vay ti\u00eau d\u00f9ng h\u1ee3p ph\u00e1p g\u1ed3m 3 k\u00eanh ch\u00ednh: C\u1ea7m \u0111\u1ed3 v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00e1c TCTD kh\u00e1c<\/li>\n
    • Ng\u00e2n h\u00e0ng, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n, c\u00f4ng ty t\u00e0i ch\u00ednh vi m\u00f4, cho vay ti\u00eau d\u00f9ng r\u1ea5t \u00edt, theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ch\u1ec9 cho vay ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng (th\u1ef1c ch\u1ea5t c\u0169ng l\u00e0 ti\u00eau d\u00f9ng), v\u1edbi \u0111i\u1ec1u ki\u1ec7n cho vay kh\u00e1 ch\u1eb7t ch\u1ebd, kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay ti\u00eau d\u00f9ng.<\/li>\n
    • C\u1ea7m \u0111\u1ed3 ph\u1ea3i c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, n\u1ebfu cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 ho\u1eb7c th\u1ebf ch\u1ea5p nh\u00e0, xe th\u00ec c\u00f3 th\u1ec3 coi l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p<\/li>\n
    • Ngo\u00e0i ra, t\u00edn d\u1ee5ng \u0111en cho vay n\u00f3ng, \u0111a s\u1ed1 b\u1ea5t h\u1ee3p ph\u00e1p, th\u1eadm ch\u00ed ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 cho vay l\u00e3i n\u1eb7ng.<\/li>\n
    • S\u00e2n ri\u00eang c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. 80 – 90% cho vay ti\u00eau d\u00f9ng h\u1ee3p ph\u00e1p \u0111\u00e3 v\u00e0 s\u1ebd l\u00e0 vai tr\u00f2 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/li>\n
    • Hy v\u1ecdng c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 \u0111\u1ed1i th\u1ee7 \u0111\u1ea7y l\u00f9i t\u00edn d\u1ee5ng \u0111en.<\/li>\n
    • Tuy nhi\u00ean, s\u1ef1 c\u1ea1nh tranh c\u00f2n ch\u01b0a cao, v\u00ec ch\u1ec9 m\u1edbi c\u00f3 kho\u1ea3ng g\u1ea7n 1 ch\u1ee5c c\u00f4ng ty cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, trong \u0111\u00f3 ch\u1ec9 c\u00f3 v\u00e0i c\u00f4ng ty ho\u1ea1t d\u1ed9ng tr\u00ean ph\u1ea1m vi to\u00e0n qu\u1ed1c v\u00e0 chi\u1ebfm ph\u1ea7n l\u1edbn th\u1ecb ph\u1ea7n.<\/li>\n<\/ul>\n

       <\/p>\n

        \n
      1. L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng:<\/li>\n<\/ol>\n
          \n
        • 2 c\u00e1ch t\u00ednh l\u00e3i t\u00ednh theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n v\u00e0 d\u01b0 n\u1ee3 ban \u0111\u1ea7u, nh\u01b0ng NHNN \u0111\u00e3 quy \u0111\u1ecbnh m\u1ecdi tr\u01b0\u1eddng h\u01a1p ph\u1ea3i. M\u1ee9c su\u1ea5t g\u1ea5p 2 -3 l\u1ea7n so v\u1edbi cho vay SXKD, th\u1eadm ch\u00ed cao h\u01a1n n\u1eefa.<\/li>\n
        • T\u00f4i \u1ee7ng h\u1ed9 t\u1ef1 do ho\u00e1 l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00e1c TCTD n\u0103m 2010 & NHNN, v\u00ec r\u1ee7i ro cao, v\u00ec l\u00e0 k\u1ebft qu\u1ea3 t\u1ea5t y\u1ebfu c\u1ee7a c\u1ea1nh tranh th\u1ecb tr\u01b0\u1eddng. Tuy nhi\u00ean, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt kh\u1eb3ng \u0111\u1ecbnh r\u00f5.<\/li>\n
        • V\u1ea5n \u0111\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t 20%\/n\u0103m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/li>\n
        • V\u1eabn c\u00f2n tranh c\u00e3i:<\/li>\n<\/ul>\n

          + C\u00f2n nhi\u1ec1u \u00fd ki\u1ebfn c\u1ee7a th\u00e0nh vi\u00ean T\u1ed5 so\u1ea1n th\u1ea3o BLDS 2015, chuy\u00ean gia & cho r\u1eb1ng ph\u1ea3i \u00e1p d\u1ee5ng tr\u1ea7n 20%<\/p>\n

          + 3 tu\u1ea7n tr\u01b0\u1edbc 1 nguy\u00ean Th\u1ee9 tr\u01b0\u1edfng B\u1ed9 TP cho r\u1eb1ng ph\u1ea3i \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t chung 20%<\/p>\n

          + TANDTC \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n gi\u1ea3i th\u00edch c\u00e1c h\u1ee3p \u0111\u1ed3ng cho vay tr\u01b0\u1edbc n\u0103m 2017 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn cao h\u01a1n tr\u1ea7n l\u00e3i su\u1ea5t 13,5% theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n

          + Nh\u01b0ng t\u1eeb n\u0103m 2017 tr\u1edf \u0111i, c\u00f3 \u0111\u01b0\u1ee3c v\u01b0\u1ee3t tr\u1ea7n 20%\/n\u0103m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN v\u00e0 43\/2016\/TT-NHNN hay kh\u00f4ng th\u00ec ch\u01b0a r\u00f5.<\/p>\n

          + Hi\u1ec7n nay TANDTC \u0111ang l\u1ea5y \u00fd ki\u1ebfn v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t. Bao gi\u1edd To\u00e0 \u00e1n c\u00f3 quan \u0111i\u1ec3m ch\u00ednh th\u1ee9c th\u00ec m\u1edbi ch\u1ed1t l\u1ea1i v\u1ea5n \u0111\u1ec1, v\u00ec \u0111\u00f3 m\u1edbi l\u00e0 c\u01a1 quan cu\u1ed1i c\u00f9ng kh\u1eb3ng \u0111\u1ecbnh \u00e1p d\u1ee5ng lu\u1eadt th\u1ebf n\u00e0o v\u00f2 th\u1ef1c t\u1ebf.<\/p>\n

           <\/p>\n

            \n
          1. B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng:<\/li>\n<\/ol>\n
              \n
            • Hi\u1ec7n nay, ph\u1ea3i \u0111\u0103ng k\u00fd m\u1eabu H\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng t\u1ea1i C\u1ee5c QLCT, B\u1ed9 CT.<\/li>\n
            • Nh\u01b0ng Ngh\u1ecb quy\u1ebft 19\/2017\/NQ-CP ng\u00e0y 06-02-2017 c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u00e3 y\u00eau c\u1ea7u b\u00e3i b\u1ecf vi\u1ec7c n\u00e0y.<\/li>\n
            • V\u1eady c\u1ea7n c\u00f3 bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u01b0\u1eddi ti\u00eau d\u00f9ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u0103m 2010.<\/li>\n
            • Vai tr\u00f2 c\u1ee7a B\u1ed9 CT, NHNN v\u00e0 truy\u1ec1n th\u00f4ng.<\/li>\n<\/ul>\n

               <\/p>\n

               ","protected":false},"excerpt":{"rendered":"

              (ANVI) – B\u00e1o \u0110\u1ea7u t\u01b0\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\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 H\u00e0 N\u1ed9i ng\u00e0y 12-7-2017 Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Trong t\u01b0\u01a1ng lai, \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh cho ti\u00eau d\u00f9ng s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n m\u1ea1nh g\u00f3p ph\u1ea7n gi\u1ea3m cho vay n\u1eb7ng l\u00e3i, t\u00edn d\u1ee5ng \u0111en. Theo \u0111\u00f3 c\u1ea7n c\u00f3 nh\u00ecn nh\u1eadn \u0111\u00fang v\u1ec1 vai tr\u00f2 c\u1ee7a […]<\/p>\n","protected":false},"author":7,"featured_media":6687,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n287. Ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: C\u1ea7n n\u1ed7 l\u1ef1c t\u1ed5ng th\u1ec3. - 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\/en\/287-phat-trien-tai-chinh-tieu-dung-can-no-luc-tong-the\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]287. Ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: C\u1ea7n n\u1ed7 l\u1ef1c t\u1ed5ng th\u1ec3.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) – B\u00e1o \u0110\u1ea7u t\u01b0\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\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 H\u00e0 N\u1ed9i ng\u00e0y 12-7-2017 Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Trong t\u01b0\u01a1ng lai, \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh cho ti\u00eau d\u00f9ng s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n m\u1ea1nh g\u00f3p ph\u1ea7n gi\u1ea3m cho vay n\u1eb7ng l\u00e3i, t\u00edn d\u1ee5ng \u0111en. 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