{"id":8014,"date":"2021-03-29T13:51:15","date_gmt":"2021-03-29T06:51:15","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=8014"},"modified":"2022-02-24T14:15:19","modified_gmt":"2022-02-24T07:15:19","slug":"2-706-tai-chinh-tieu-dung-cong-cu-day-lui-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-706-tai-chinh-tieu-dung-cong-cu-day-lui-tin-dung-den\/","title":{"rendered":"2.706. T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng – c\u00f4ng c\u1ee5 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en"},"content":{"rendered":"

(CT) – M\u1ed9t trong nh\u1eefng \u0111\u00f3ng g\u00f3p l\u1edbn c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong h\u01a1n 10 n\u0103m qua ch\u00ednh l\u00e0 vai tr\u00f2 trong \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en. \u0110\u00f3 l\u00e0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a c\u00e1c chuy\u00ean gia t\u1ea1i T\u1ecda \u0111\u00e0m \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 v\u1eeba di\u1ec5n ra t\u1ea1i H\u00e0 N\u1ed9i.<\/strong><\/h4>\n

C\u00f4ng c\u1ee5 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en<\/strong><\/p>\n

Nh\u00ecn l\u1ea1i h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n, ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia nh\u1eadn \u0111\u1ecbnh \u0111\u00e3 c\u00f3 giai \u0111o\u1ea1n chuy\u1ec3n m\u00ecnh \u0111\u1ea7y b\u1ee9t t\u1ed1c v\u1edbi ch\u1ec9 s\u1ed1 t\u0103ng tr\u01b0\u1edfng l\u1ea1c quan, h\u1ec7 th\u1ed1ng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh m\u1edf r\u1ed9ng.<\/p>\n

Theo TS. C\u1ea5n V\u0103n L\u1ef1c – Th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng t\u01b0 v\u1ea5n Ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh – Ti\u1ec1n t\u1ec7 qu\u1ed1c gia & Chuy\u00ean gia kinh t\u1ebf tr\u01b0\u1edfng BIDV, ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam trong nh\u1eefng n\u0103m qua c\u00f3 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
C\u00e1c chuy\u00ean gia tham d\u1ef1 to\u1ea1 \u0111\u00e0m “T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng – S\u1ee9c s\u1ed1ng m\u1edbi sau 10 n\u0103m ph\u00e1t tri\u1ec3n”<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u1ec1 quy m\u00f4 th\u1ecb tr\u01b0\u1eddng, 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 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.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, m\u1ed9t trong nh\u1eefng \u0111\u00f3ng g\u00f3p l\u1edbn c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u00ednh l\u00e0 vai tr\u00f2 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en. Chia s\u1ebb t\u1ea1i t\u1ecda \u0111\u00e0m, \u00f4ng 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, c\u00e1ch \u0111\u00e2y 10 n\u0103m, ng\u01b0\u1eddi d\u00e2n \u0111\u1ee7 ti\u1ec1n m\u1edbi mua h\u00e0ng ho\u00e1, 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

V\u1edbi nh\u1eadn \u0111\u1ecbnh n\u00e0y, \u00f4ng Hi\u1ebfu cho r\u1eb1ng, s\u1ef1 ra \u0111\u1eddi c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u00eam ngu\u1ed3n vay \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a \u0111\u1eddi s\u1ed1ng. V\u1ecb chuy\u00ean gia \u0111\u1ebfn t\u1eeb Vi\u1ec7n Qu\u1ea3n l\u00fd kinh t\u1ebf Trung \u01b0\u01a1ng nh\u1ea5n m\u1ea1nh, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, PGS. TS. \u0110inh Tr\u1ecdng Th\u1ecbnh c\u0169ng cho r\u1eb1ng, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 gi\u00fap ng\u01b0\u1eddi d\u00e2n c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n nhanh ch\u00f3ng, thu\u1eadn ti\u1ec7n h\u01a1n. \u0110\u1eb7c bi\u1ec7t, h\u1ecd kh\u00f4ng ph\u1ea3i s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n t\u1eeb ch\u1ee3 \u0111en. Nh\u01b0 v\u1eady, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u00f4ng ch\u1ec9 \u0111\u00f3ng g\u00f3p cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n gi\u1ea3m t\u00edn d\u1ee5ng \u0111en.<\/p>\n

C\u1ea5n V\u0103n L\u1ef1c nh\u1ea5n m\u1ea1nh, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang gi\u00fap n\u1ec1n kinh t\u1ebf c\u00f3 th\u00eam \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng h\u1eefu hi\u1ec7u, gi\u00fap m\u1edf r\u1ed9ng ti\u00eau d\u00f9ng, th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t ph\u00e1t tri\u1ec3n, gia t\u0103ng h\u00e0ng h\u00f3a v\u00e0 ti\u00eau d\u00f9ng n\u1ed9i \u0111\u1ecba, g\u00f3p ph\u1ea7n quan tr\u1ecdng v\u00e0o \u0111\u1ea9y l\u00f9i hi\u1ec7n t\u01b0\u1ee3ng t\u00edn d\u1ee5ng \u0111en, \u1ed5n \u0111\u1ecbnh \u0111\u1eddi s\u1ed1ng x\u00e3 h\u1ed9i c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n

C\u0169ng t\u1ea1i t\u1ecda \u0111\u00e0m, d\u01b0\u1edbi g\u00f3c \u0111\u1ed9 ph\u00e1p l\u00fd, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u0169ng kh\u1eb3ng \u0111\u1ecbnh, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ho\u1ea1t \u0111\u1ed9ng d\u1ef1a tr\u00ean ph\u00e1p lu\u1eadt, \u0111\u00e3 g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, h\u1ed7 tr\u1ee3 s\u1ea3n xu\u1ea5t ph\u00e1t tri\u1ec3n.<\/em><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Theo c\u00e1c chuy\u00ean gia, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ch\u00ednh l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u1ea7n gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y ng\u00e0nh t\u00e0i ch\u00ednh t\u00edn d\u1ee5ng<\/strong><\/p>\n

Theo 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), 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 thi\u1ebft y\u1ebfu trong cu\u1ed9c s\u1ed1ng. 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 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 – \u0111\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u00e2n t\u00edch.<\/p>\n

Li\u00ean quan \u0111\u1ebfn gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, PGS. TS \u0110inh Tr\u1ecdng Th\u1ecbnh cho r\u1eb1ng, trong \u0111i\u1ec1u ki\u1ec7n c\u1ee7a \u0111\u1ea1i d\u1ecbch Covid-19 v\u00e0 cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng ngh\u1ec7 4.0, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i r\u00e0 so\u00e1t l\u1ea1i chi\u1ebfn l\u01b0\u1ee3c kinh doanh \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i cho ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh m\u1edbi, ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb tr\u01b0\u1eddng, th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i s\u1ed1; \u0111\u1eb7c bi\u1ec7t, gi\u00e1o d\u1ee5c v\u00e0 n\u00e2ng cao nh\u1eadn th\u1ee9c cho ng\u01b0\u1eddi d\u00e2n l\u00e0 gi\u1ea3i ph\u00e1p r\u1ea5t quan tr\u1ecdng.<\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m \u0111\u00f3, \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu c\u0169ng cho hay, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n, vi\u1ec7c n\u00e2ng cao nh\u1eadn th\u1ee9c c\u1ee7a ng\u01b0\u1eddi d\u00e2n r\u1ea5t quan tr\u1ecdng. Ngo\u00e0i ra, Nh\u00e0 n\u01b0\u1edbc n\u00ean b\u1ea3o v\u1ec7 t\u1ed5 ch\u1ee9c cho vay v\u00ec doanh nghi\u1ec7p \u0111\u1ee9ng tr\u01b0\u1edbc nhi\u1ec1u r\u1ee7i ro trong l\u0129nh v\u1ef1c cho vay t\u00edn ch\u1ea5p.<\/p>\n

Th\u1ef1c t\u1ebf, khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt v\u00e0 ho\u00e0n thi\u1ec7n h\u01a1n; nh\u1eadn th\u1ee9c c\u1ee7a c\u00e1c ch\u1ee7 th\u1ec3 tham gia th\u1ecb tr\u01b0\u1eddng \u0111\u01b0\u1ee3c n\u00e2ng cao h\u01a1n, tuy nhi\u00ean, \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n, theo \u00f4ng Nguy\u1ec5n Th\u00e0nh Ph\u00fac – Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c FE CREDIT, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh r\u1ea5t c\u1ea7n s\u1ef1 ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd gi\u1eefa c\u00e1c b\u00ean li\u00ean quan \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n.<\/p>\n

Ho\u00e0ng Minh<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n

C\u00f4ng th\u01b0\u01a1ng (Ng\u00e2n h\u00e0ng) 29-3-2021:<\/em><\/p>\n

https:\/\/congthuong.vn\/tai-chinh-tieu-dung-cong-cu-day-lui-tin-dung-den-154337.html<\/em><\/a><\/p>\n

(44\/1.051)<\/em>","protected":false},"excerpt":{"rendered":"

(CT) – M\u1ed9t trong nh\u1eefng \u0111\u00f3ng g\u00f3p l\u1edbn c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong h\u01a1n 10 n\u0103m qua ch\u00ednh l\u00e0 vai tr\u00f2 trong \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en. \u0110\u00f3 l\u00e0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a c\u00e1c chuy\u00ean gia t\u1ea1i T\u1ecda \u0111\u00e0m \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 v\u1eeba […]<\/p>\n","protected":false},"author":1,"featured_media":8015,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-8014","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.706. T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng - c\u00f4ng c\u1ee5 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en - 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\/2-706-tai-chinh-tieu-dung-cong-cu-day-lui-tin-dung-den\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.706. 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