{"id":8068,"date":"2021-03-25T13:23:31","date_gmt":"2021-03-25T06:23:31","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=8068"},"modified":"2022-02-22T16:30:03","modified_gmt":"2022-02-22T09:30:03","slug":"2-698-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-698-tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien\/","title":{"rendered":"2.698. ‘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":"

(VTC News) – <\/strong>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.<\/h4>\n

S\u00e1ng 25\/03, B\u00e1o \u0110\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c bu\u1ed5i T\u1ecda \u0111\u00e0m th\u01b0\u1eddng ni\u00ean n\u0103m th\u1ee9 5 v\u1edbi ch\u1ee7 \u0111\u1ec1: \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.<\/p>\n

Tham d\u1ef1 bu\u1ed5i t\u1ecda \u0111\u00e0m c\u00f3 \u0111\u1ea1i di\u1ec7n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 v\u00e0 l\u00e3nh \u0111\u1ea1o c\u00e1c doanh nghi\u1ec7p.<\/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 nh\u1eafc l\u1ea1i c\u00e1c v\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u1eb7t ra t\u1ea1i bu\u1ed5i To\u1ea1 \u0111\u00e0m v\u1ec1 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u1eddi \u0111i\u1ec3m th\u00e1ng 5\/2020, \u0111\u1ed3ng th\u1eddi \u00f4ng Minh kh\u1eb3ng \u0111\u1ecbnh: \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.<\/em><\/p>\n

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\u00d4ng L\u00ea Tr\u1ecdng Minh – T\u1ed5ng bi\u00ean t\u1eadp B\u00e1o \u0110\u1ea7u t\u01b0 ph\u00e1t bi\u1ec3u khai m\u1ea1c t\u1ecda \u0111\u00e0m.<\/em><\/p>\n

\u00d4ng 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.\u00a0Chi\u1ebfn l\u01b0\u1ee3c y\u00eau c\u1ea7u r\u1ea5t r\u00f5 nhi\u1ec7m v\u1ee5\u00a0\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.\u00a0<\/em><\/p>\n

Qua m\u1ed9t n\u0103m th\u1ef1c hi\u1ec7n, \u00f4ng Minh nh\u1eadn \u0111\u1ecbnh:\u00a0“\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”<\/em><\/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. 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

\u0110\u00e1nh gi\u00e1 v\u1ec1 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u00f4ng L\u00ea Tr\u1ecdng Minh cho bi\u1ebft:\u00a0\u201cNh\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\u1ecbtr\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… \u0110i\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\u201d.<\/em><\/p>\n

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Quang c\u1ea3nh bu\u1ed5i t\u1ecda \u0111\u00e0m<\/em>.<\/p>\n

M\u1edf \u0111\u1ea7u tham lu\u1eadn t\u1ea1i bu\u1ed5i t\u1ecda \u0111\u00e0m, 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 – NHNN) cho 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

“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”<\/em>, \u0111\u1ea1i di\u1ec7n NHNN chia s\u1ebb.<\/p>\n

Tr\u00ean c\u01a1 s\u1edf ch\u1ec9 \u0111\u1ea1o c\u1ee7a 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.<\/p>\n

Ngo\u00e0i ra, NHNN hi\u1ec7n \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: \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); \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

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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).<\/em><\/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, \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

\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

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. 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 nh\u01b0: 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; 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; Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i ch\u01b0a \u0111\u01b0\u1ee3c b\u1ed5 sung ngu\u1ed3n v\u1ed1n k\u1ecbp th\u1eddi trong khi nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n l\u00e0 r\u1ea5t l\u1edbn v\u00e0 \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 t\u1ea1o nhi\u1ec1u ti\u1ebfng x\u1ea5u cho ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u1ec3 ph\u00e1t huy c\u00e1c k\u1ebft qu\u1ea3 \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c, B\u00e0 T\u00f9ng n\u00eau ra m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p m\u00e0 NHNN \u0111\u00e3 tri\u1ec3n khai \u0111\u1ed3ng b\u1ed9 \u0111\u1ec3 \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 nh\u01b0 ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd, kh\u01a1i th\u00f4ng d\u00f2ng v\u1ed1n ng\u00e2n h\u00e0ng \u0111\u1ec3 n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1ed1n,\u2026<\/p>\n

Ti\u1ebfp sau ph\u1ea7n tham lu\u1eadn c\u1ee7a \u0111\u1ea1i di\u1ec7n NHNN, \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. 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

\"\"<\/p>\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).<\/em><\/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, th\u00fac \u0111\u1ea9y s\u1ea3n xu\u1ea5t. 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”,\u00a0<\/em>\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

\u00d4ng Hi\u1ebfu cho r\u1eb1ng:\u00a0\u201cCh\u00ednh ph\u1ee7 kh\u00f4ng c\u1ea7n th\u00fac \u0111\u1ea9y b\u1ea5t k\u00ec \u0111i\u1ec1u g\u00ec, ch\u1ec9 c\u1ea7n \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng di\u1ec5n ra t\u1ef1 nhi\u00ean\u201d<\/em>. T\u1eeb \u0111\u00f3, \u00f4ng Hi\u1ebfu chia s\u1ebb 2 ki\u1ebfn ngh\u1ecb:<\/p>\n

Th\u1ee9 nh\u1ea5t<\/em>,\u00a0\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,<\/em>\u00a0b\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.\u00a0\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<\/em>, \u00f4ng Hi\u1ebfu n\u00f3i.<\/p>\n

Theo \u00f4ng Hi\u1ebfu, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u00e0 t\u00edn d\u1ee5ng \u0111en l\u00e0 r\u1ea5t kh\u00e1c nhau, b\u1ea3n ch\u1ea5t c\u1ee7a 2 s\u1ef1 vi\u1ec7c c\u0169ng kh\u00e1c nhau v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111i vay, m\u1ee5c \u0111\u00edch \u0111i vay c\u0169ng nh\u01b0 l\u00e3i su\u1ea5t vay. \u00d4ng cho r\u1eb1ng s\u1ee9 m\u1ec7nh \u0111\u1ea7u ti\u00ean c\u1ee7a t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u1ea3i l\u00e0 \u0111\u01b0\u1ee3c quy\u1ec1n ph\u00e1t tri\u1ec3n ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en. N\u1ebfu g\u1eafn t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1edbi s\u1ee9 m\u1ec7nh \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en th\u00ec v\u00f4 h\u00ecnh chung Nh\u00e0 n\u01b0\u1edbc s\u1ebd ki\u1ec3m so\u00e1t ch\u1eb7t m\u00f4 h\u00ecnh n\u00e0y, l\u00e0m cho c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh th\u1ee9c g\u1eb7p thi\u1ec7t th\u00f2i v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c phi ch\u00ednh th\u1ee9c c\u00e0ng l\u1ea1m d\u1ee5ng.<\/p>\n

Tham gia bu\u1ed5i T\u1ecda \u0111\u00e0m, PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh, Chuy\u00ean gia kinh t\u1ebf c\u0169ng kh\u1eb3ng \u0111\u1ecbnh vai tr\u00f2 quan tr\u1ecdng c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng x\u00e3 h\u1ed9i v\u00e0 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en \u0111\u1ed3ng th\u1eddi \u0111\u01b0a ra \u0111\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 hi\u1ec7n nayy. \u00d4ng cho r\u1eb1ng, t\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

Tr\u00edch s\u1ed1 li\u1ec7u c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, PGS. TS. \u0110inh Tr\u1ecdng Th\u1ecbnh cho bi\u1ebft:\u00a0\u201cHi\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\u201d.<\/em><\/p>\n

G\u00f3p \u00fd gi\u1ea3i ph\u00e1p \u0111\u1ec3 ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n, 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 mang 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, \u0111\u1eb7c bi\u1ec7t l\u00e0 chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/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

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PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh, Chuy\u00ean gia kinh t\u1ebf.<\/em><\/p>\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

Trao \u0111\u1ed5i tham lu\u1eadn t\u1ea1i t\u1ecda \u0111\u00e0m, 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 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

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 \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).<\/p>\n

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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.<\/em><\/p>\n

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%).\u00a0\u201cTuy 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\u201d<\/em>, TS. C\u1ea5n V\u0103n L\u1ef1c nh\u1ea5n m\u1ea1nh.<\/p>\n

S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng h\u01a1n 10 n\u0103m qua 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. \u0110\u1ed3ng th\u1eddi, th\u1ecb tr\u01b0\u1eddng TCTD g\u00f3p ph\u1ea7n ph\u00e1t tri\u1ec3n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh Vi\u1ec7t Nam c\u00f9ng v\u1edbi vi\u1ec7c ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n\u2026<\/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, \u0111\u1ed3ng th\u1eddi \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

Tham gia v\u00e0o bu\u1ed5i tham lu\u1eadn, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI nh\u1eadn x\u00e9t 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

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Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI.<\/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. 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

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.\u00a0<\/em><\/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.\u00a0“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”<\/em>, \u00f4ng n\u00f3i.<\/p>\n

\"\"<\/p>\n

\u00d4ng Nguy\u1ec5n Th\u00e0nh Ph\u00fac, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c FE Credit.<\/em><\/p>\n

G\u00f3p \u00fd ch\u00ednh s\u00e1ch, \u00f4ng 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, \u00e1p d\u1ee5ng nhi\u1ec1u quy \u0111\u1ecbnh lu\u1eadt ph\u00e1p ch\u01b0a ph\u00f9 h\u1ee3p th\u00ec c\u00e0ng g\u00e2y kh\u00f3 kh\u0103n, b\u00f3p m\u00e9o th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay g\u1ea7n nh\u01b0 to\u00e0n b\u1ed9 l\u00e0 cho vay t\u00edn ch\u1ea5p, v\u1eady th\u00ec \u0111\u00f2i n\u1ee3 th\u1ebf n\u00e0o. Kh\u00e1c v\u1edbi cho vay th\u1ebf ch\u1ea5p, n\u1ebfu kh\u00f4ng g\u1ecdi \u0111i\u1ec7n tho\u1ea1i th\u00ec cho vay t\u00edn ch\u1ea5p l\u00e0m sao \u0111\u00f2i n\u1ee3 \u0111\u01b0\u1ee3c.<\/p>\n

“Trong v\u1ea5n \u0111\u1ec1 \u0111\u00f2i n\u1ee3, t\u1eebng nh\u00e2n vi\u00ean \u0111\u00f4i khi c\u00f3 h\u00e0nh vi kh\u00f4ng \u0111\u00fang, nh\u01b0ng t\u1ed5ng th\u1ec3, kh\u00f4ng m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hay c\u00f4ng ty t\u00e0i ch\u00ednh n\u00e0o vi ph\u1ea1m ph\u00e1p lu\u1eadt”<\/em>, \u00f4ng Ph\u00fac kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

Ph\u00e1t bi\u1ec3u k\u1ebft lu\u1eadn bu\u1ed5i 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.\u00a0\u201cCh\u1ee7 \u0111\u1ec1 c\u1ee7a bu\u1ed5i T\u1ecda \u0111\u00e0m ng\u00e0y h\u00f4m nay l\u00e0 \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, 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<\/em>.<\/p>\n

Tr\u1ea7n<\/strong> Nguy\u00ean<\/strong><\/p>\n

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

VTCNews<\/em> (Doanh nghi\u1ec7p \u2013 Doanh nh\u00e2n) 25-3-2021:<\/em><\/p>\n

https:\/\/vtc.vn\/tai-chinh-tieu-dung-suc-song-moi-sau-hon-10-nam-phat-trien-ar603007.html<\/em><\/a><\/p>\n

(199\/3.576)<\/em>","protected":false},"excerpt":{"rendered":"

(VTC News) – 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. S\u00e1ng 25\/03, B\u00e1o \u0110\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c bu\u1ed5i T\u1ecda \u0111\u00e0m th\u01b0\u1eddng ni\u00ean n\u0103m th\u1ee9 5 v\u1edbi ch\u1ee7 \u0111\u1ec1: […]<\/p>\n","protected":false},"author":1,"featured_media":8069,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-8068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.698. 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