{"id":8020,"date":"2021-03-26T14:54:21","date_gmt":"2021-03-26T07:54:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=8020"},"modified":"2022-02-24T14:15:54","modified_gmt":"2022-02-24T07:15:54","slug":"2-705-tai-chinh-tieu-dung-tro-thanh-cong-cu-day-lui-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-705-tai-chinh-tieu-dung-tro-thanh-cong-cu-day-lui-tin-dung-den\/","title":{"rendered":"2.705. T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en\u00a0"},"content":{"rendered":"<h4>(B\u0110S) &#8211; 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.<\/h4>\n<p>\u0110\u00f3 l\u00e0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a c\u00e1c chuy\u00ean gia t\u1ea1i to\u1ea1 \u0111\u00e0m \u201cT\u00e0i ch\u00ednh ti\u00eau d\u00f9ng &#8211;\u00a0S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n\u201d m\u1edbi di\u1ec5n ra g\u1ea7n \u0111\u00e2y.<\/p>\n<p>C\u00f4ng c\u1ee5 \u0111\u1ec3 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en<\/p>\n<p>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<p>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 to\u1ea1 \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, x\u00e9t v\u1ec1 l\u1ee3i \u00edch, 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. 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<p>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<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-8022 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/73-1-450x300.jpg\" alt=\"\" width=\"450\" height=\"300\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/73-1-450x300.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/73-1.jpg 640w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>\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).<\/em><\/p>\n<p>\u0110\u1ed3ng quan \u0111i\u1ec3m, PGS. TS. \u0110inh Tr\u1ecdng Th\u1ecbnh c\u0169ng cho r\u1eb1ng, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang ph\u00e1t tri\u1ec3n khi nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n ng\u00e0y c\u00e0ng gia t\u0103ng. Theo \u00f4ng Th\u1ecbnh, nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n trong x\u00e3 h\u1ed9i kh\u00f4ng ng\u1eebng gia t\u0103ng v\u1ec1 chi ti\u00eau mua s\u1eafm nh\u01b0 ti vi, m\u00e1y gi\u1eb7t, m\u00e1y l\u1ea1nh\u2026 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<p>Trong khi \u0111\u00f3, TS. C\u1ea5n V\u0103n L\u1ef1c c\u0169ng nh\u1ea5n m\u1ea1nh, ch\u00ednh 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<p>\u201cT\u00e0i ch\u00ednh ti\u00eau d\u00f9ng n\u00f3i ri\u00eang v\u00e0 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng n\u00f3i chung c\u00f3 vay tr\u00f2 t\u00edch c\u1ef1c trong vi\u1ec7c \u0111\u1ea9y l\u00f9i, tan r\u00e3 t\u00edn d\u1ee5ng \u0111en. B\u1edfi v\u00ec kh\u00f4ng c\u00f3 n\u00f3 th\u00ec ng\u01b0\u1eddi d\u00e2n s\u1ebd bi\u1ebft vay ti\u1ec1n \u1edf \u0111\u00e2u?&#8221;,\u00a0TS. C\u1ea5n V\u0103n L\u1ef1c chia s\u1ebb.<\/p>\n<p><em>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, vai tr\u00f2 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n b\u1eb1ng \u0111\u00f3ng g\u00f3p \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, h\u1ed7 tr\u1ee3 s\u1ea3n xu\u1ea5t ph\u00e1t tri\u1ec3n. 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. Th\u1ebf n\u00ean, theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c: &#8220;C\u1ea7n nh\u00ecn nh\u1eadn \u0111\u00e1nh gi\u00e1 kh\u00e1ch quan c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u0111\u1eebng v\u00ec m\u1ed9t s\u1ed1 th\u00f4ng tin ch\u01b0a \u0111\u00fang \u0111\u00e3 c\u00f3 \u0111\u00e1nh gi\u00e1 l\u1ec7ch l\u1ea1c v\u1ec1 vai tr\u00f2 c\u1ee7a c\u00e1c doanh nghi\u1ec7p n\u00e0y\u201d.<\/em><\/p>\n<p>C\u1ea7n gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y ng\u00e0nh t\u00e0i ch\u00ednh t\u00edn d\u1ee5ng<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-8023 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/74-1-450x300.jpg\" alt=\"\" width=\"450\" height=\"300\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/74-1-450x300.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/02\/74-1.jpg 640w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>\u00d4ng Nguy\u1ec5n Th\u00e0nh Ph\u00fac, Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c FE CREDIT.<\/em><\/p>\n<p>T\u1ea1i to\u1ea1 \u0111\u00e0m, \u00f4ng Nguy\u1ec5n Th\u00e0nh Ph\u00fac &#8211;\u00a0Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c FE CREDIT \u0111\u00e3 b\u1eaft \u0111\u1ea7u chia s\u1ebb b\u1eb1ng c\u00e2u chuy\u1ec7n c\u1ee7a ch\u00ednh doanh nghi\u1ec7p m\u00ecnh. \u201cTr\u01b0\u1edbc h\u1ebft, t\u00f4i mu\u1ed1n chia s\u1ebb c\u00e2u chuy\u1ec7n c\u1ee7a ng\u01b0\u1eddi trong cu\u1ed9c, h\u01a1n 10 n\u0103m qua ch\u00fang t\u00f4i \u0111\u00e3 l\u00e0m nh\u01b0 th\u1ebf n\u00e0o? \u0110\u1ea7u ti\u00ean, th\u1ecb tr\u01b0\u1eddng xe m\u00e1y \u1edf Vi\u1ec7t Nam r\u1ea5t c\u00f3 ti\u1ec1m n\u0103ng, tuy nhi\u00ean nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n kh\u00f4ng ch\u1ec9 c\u00f3 xe m\u00e1y m\u00e0 c\u00f2n mu\u1ed1n ti\u00eau d\u00f9ng \u1edf nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nhau, n\u00ean ch\u00fang t\u00f4i \u0111\u00e3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m cho vay ti\u1ec1n m\u1eb7t.<\/p>\n<p>N\u0103m 2017, nh\u1eadn th\u1ea5y vi\u1ec7c cho vay ti\u1ec1n m\u1eb7t c\u00f3 nhu c\u1ea7u r\u1ea5t l\u1edbn n\u00ean ch\u00fang t\u00f4i \u0111\u00e3 cho ra \u0111\u1eddi th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf. V\u00e0 \u0111\u1ebfn h\u00f4m nay, ch\u00fang t\u00f4i c\u00f3 2,2 tri\u1ec7u kh\u00e1ch h\u00e0ng. Ng\u01b0\u1eddi d\u00e2n khi vay \u0111\u01b0\u1ee3c thanh to\u00e1n tr\u01b0\u1edbc 45 ng\u00e0y mi\u1ec5n ph\u00ed\u201d,\u00a0\u00f4ng Ph\u00fac chia s\u1ebb.<\/p>\n<p>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, 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. \u201cH\u00e3y \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n c\u00f3 tr\u00e1ch nhi\u1ec7m v\u1edbi quy\u1ebft \u0111\u1ecbnh c\u1ee7a ch\u00ednh m\u00ecnh v\u00e0 ngh\u0129a v\u1ee5 v\u1edbi kho\u1ea3n vay c\u1ee7a m\u00ecnh h\u01a1n\u201d, v\u1ecb chuy\u00ean gia n\u00e0y kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n<p>\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 \u0111\u00f3 l\u00e0 doanh nghi\u1ec7p \u0111\u1ee9ng tr\u01b0\u1edbc nhi\u1ec1u r\u1ee7i ro trong l\u0129nh v\u1ef1c cho vay t\u00edn ch\u1ea5p n\u00e0y.\/.<\/p>\n<p><b>H\u1ea3i Nam &#8211; Nguy\u1ec5n Th\u01b0\u01a1ng<\/b><\/p>\n<p>\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n<p><em>B\u1ea5t<\/em><em> \u0111\u1ed9ng s\u1ea3n (Ng\u00e2n h\u00e0ng) 26-3-2021:<\/em><\/p>\n<p><a href=\"https:\/\/reatimes.vn\/tai-chinh-tieu-dung-tro-thanh-cong-cu-day-lui-tin-dung-den-20201224000002231.html\"><em>https:\/\/reatimes.vn\/tai-chinh-tieu-dung-tro-thanh-cong-cu-day-lui-tin-dung-den-20201224000002231.html<\/em><\/a><\/p>\n<p><em>(98\/946)<\/em>","protected":false},"excerpt":{"rendered":"<p>(B\u0110S) &#8211; 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 to\u1ea1 \u0111\u00e0m \u201cT\u00e0i ch\u00ednh ti\u00eau d\u00f9ng &#8211;\u00a0S\u1ee9c s\u1ed1ng m\u1edbi sau h\u01a1n 10 n\u0103m ph\u00e1t tri\u1ec3n\u201d m\u1edbi di\u1ec5n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8022,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-8020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.705. T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en\u00a0 - 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\/2-705-tai-chinh-tieu-dung-tro-thanh-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]2.705. 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