{"id":23705,"date":"2025-05-05T09:00:00","date_gmt":"2025-05-05T02:00:00","guid":{"rendered":"https:\/\/luathoasen.vn\/?p=23705"},"modified":"2025-05-12T09:10:16","modified_gmt":"2025-05-12T02:10:16","slug":"chinh-phu-dong-y-thi-diem-cho-vay-ngang-hang-trong-2-nam","status":"publish","type":"post","link":"https:\/\/luathoasen.vn\/en\/tin-tuc\/chinh-phu-dong-y-thi-diem-cho-vay-ngang-hang-trong-2-nam\/","title":{"rendered":"Ch\u00ednh ph\u1ee7 \u0111\u1ed3ng \u00fd th\u00ed \u0111i\u1ec3m cho vay ngang h\u00e0ng trong 2 n\u0103m"},"content":{"rendered":"

T\u1eeb 1\/7, ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m trong 2 n\u0103m, c\u00f9ng v\u1edbi ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, chia s\u1ebb d\u1eef li\u1ec7u qua giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng m\u1edf.<\/strong><\/p>\n\n\n\n

Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh 94 ng\u00e0y 29\/4 v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox), c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

Theo \u0111\u00f3, m\u1ed9t trong c\u00e1c gi\u1ea3i ph\u00e1p fintech \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 \u0111\u1ed3ng \u00fd th\u1eed nghi\u1ec7m l\u00e0 cho vay ngang h\u00e0ng (P2P Lending). C\u00f4ng ty cho vay ngang h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c cung c\u1ea5p gi\u1ea3i ph\u00e1p th\u1eed nghi\u1ec7m khi \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p.<\/p>\n\n\n\n

Cho vay ngang h\u00e0ng l\u00e0 h\u00ecnh th\u1ee9c k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay ti\u1ec1n th\u00f4ng qua m\u1ed9t n\u1ec1n t\u1ea3ng tr\u1ef1c tuy\u1ebfn, kh\u00f4ng c\u1ea7n trung gian t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

Ho\u1ea1t \u0111\u1ed9ng th\u1eed nghi\u1ec7m P2P Lending s\u1ebd \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p trong 2 n\u0103m, nh\u01b0ng kh\u00f4ng \u00e1p d\u1ee5ng v\u1edbi c\u00e1c nh\u00e0 b\u0103ng ngo\u1ea1i. C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c tham gia x\u00e9t duy\u1ec7t c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m, song kh\u00f4ng \u0111\u1ed3ng ngh\u0129a vi\u1ec7c h\u1ecd s\u1ebd \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n kinh doanh v\u00e0 \u0111\u1ea7u t\u01b0 khi ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh. K\u1ebft qu\u1ea3 th\u1eed nghi\u1ec7m l\u00e0 c\u0103n c\u1ee9 \u0111\u1ec3 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nghi\u00ean c\u1ee9u, x\u00e2y d\u1ef1ng v\u00e0 ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd li\u00ean quan l\u0129nh v\u1ef1c cho vay n\u00e0y.<\/p>\n\n\n\n

Vi\u1ec7t Nam hi\u1ec7n c\u00f3 kho\u1ea3ng 100 c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c cho vay ngang h\u00e0ng v\u1edbi nhi\u1ec1u \u0111\u01a1n v\u1ecb v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1eebng \u0111\u00e1nh gi\u00e1 m\u1ed9t s\u1ed1 th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean tham gia trong m\u00f4 h\u00ecnh P2P Lending thi\u1ebfu minh b\u1ea1ch, ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf gi\u00e1m s\u00e1t vi\u1ec7c s\u1eed d\u1ee5ng, qu\u1ea3n l\u00fd v\u1ed1n vay c\u1ee7a lo\u1ea1i h\u00ecnh n\u00e0y, n\u00ean c\u00f3 th\u1ec3 d\u1eabn t\u1edbi tranh ch\u1ea5p gi\u1eefa c\u00e1c b\u00ean. Vi\u1ec7c \u0111\u01b0a ra c\u00e1c nguy\u00ean t\u1eafc v\u00e0 quy \u0111\u1ecbnh \u0111\u1ec3 th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t v\u1edbi fintech cho vay ngang h\u00e0ng l\u00e0 c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n

C\u00f9ng v\u1edbi P2P Lending, Vi\u1ec7t Nam c\u00f3 kho\u1ea3ng 200 c\u00f4ng ty fintech v\u00e0 90% s\u1ed1 n\u00e0y ho\u1ea1t \u0111\u1ed9ng trong m\u1ea3ng ng\u00e2n h\u00e0ng (thanh to\u00e1n, \u1ee9ng d\u1ee5ng x\u1ebfp h\u1ea1ng, ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng…). T\u1ea1i Ngh\u1ecb \u0111\u1ecbnh l\u1ea7n n\u00e0y, Ch\u00ednh ph\u1ee7 c\u0169ng cho ph\u00e9p th\u00ed \u0111i\u1ec3m ho\u1ea1t \u0111\u1ed9ng fintech kh\u00e1c, g\u1ed3m ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, chia s\u1ebb d\u1eef li\u1ec7u qua giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng m\u1edf (Open API).<\/p>\n\n\n\n

M\u1ee5c ti\u00eau c\u1ee7a c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00e1c d\u1ecbch v\u1ee5 fintech l\u1ea7n n\u00e0y, theo Ch\u00ednh ph\u1ee7, nh\u1eb1m th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o v\u00e0 hi\u1ec7n \u0111\u1ea1i h\u00f3a l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng v\u00e0 gi\u00fap ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh minh b\u1ea1ch, hi\u1ec7u qu\u1ea3 v\u1edbi chi ph\u00ed th\u1ea5p. Ngo\u00e0i ra, vi\u1ec7c t\u1ea1o l\u1eadp m\u00f4i tr\u01b0\u1eddng th\u1eed nghi\u1ec7m nh\u1eb1m \u0111\u00e1nh gi\u00e1 chi ph\u00ed, l\u1ee3i \u00edch v\u00e0 gi\u00fap h\u1ea1n ch\u1ebf r\u1ee7i ro v\u1edbi kh\u00e1ch h\u00e0ng khi s\u1eed d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p n\u00e0y.<\/p>\n\n\n\n

Ngu\u1ed3n: VNEXPRESS<\/a><\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

T\u1eeb 1\/7, ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m trong 2 n\u0103m, c\u00f9ng v\u1edbi ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, chia s\u1ebb d\u1eef li\u1ec7u qua giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng m\u1edf. Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh 94 ng\u00e0y 29\/4 v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox), c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng<\/p>","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23705","post","type-post","status-publish","format-standard","hentry","category-tin-tuc"],"_links":{"self":[{"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/posts\/23705","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/comments?post=23705"}],"version-history":[{"count":1,"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/posts\/23705\/revisions"}],"predecessor-version":[{"id":23706,"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/posts\/23705\/revisions\/23706"}],"wp:attachment":[{"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/media?parent=23705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/categories?post=23705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luathoasen.vn\/en\/wp-json\/wp\/v2\/tags?post=23705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}