{"id":49753,"date":"2018-10-17T02:41:19","date_gmt":"2018-10-17T02:41:19","guid":{"rendered":"http:\/\/baovietduc.de\/?p=49753"},"modified":"2018-10-17T02:41:19","modified_gmt":"2018-10-17T02:41:19","slug":"do-xo-cho-vay-tieu-dung-nghet-tho-voi-lai-suat","status":"publish","type":"post","link":"https:\/\/baovietduc.de\/2018\/10\/do-xo-cho-vay-tieu-dung-nghet-tho-voi-lai-suat\/","title":{"rendered":"\u0110\u1ed5 x\u00f4 cho vay ti\u00eau d\u00f9ng: Ngh\u1eb9t th\u1edf v\u1edbi l\u00e3i su\u1ea5t!"},"content":{"rendered":"

BVD – Nhi\u1ec1u ng\u01b0\u1eddi vay ti\u1ec1n ph\u1ea3n \u00e1nh l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng (NH) th\u01b0\u01a1ng m\u1ea1i. M\u1ed9t s\u1ed1 kho\u1ea3n vay sau khi t\u00ednh c\u00e1c lo\u1ea1i ph\u00ed c\u00f3 th\u1ec3 l\u00ean t\u1edbi 60%\/th\u00e1ng, ch\u01b0a k\u1ec3 nh\u1eefng kho\u1ea3n ph\u1ea1t h\u1ebft s\u1ee9c v\u00f4 l\u00fd m\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0a ra.<\/strong><\/p>\n

Ch\u01b0a n\u00ean \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t<\/b><\/p>\n

Do \u0111\u00f3, nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1ec1 ngh\u1ecb NH Nh\u00e0 n\u01b0\u1edbc c\u1ea7n ki\u1ec3m so\u00e1t cho vay ti\u00eau d\u00f9ng v\u00e0 \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi vay. Tuy nhi\u00ean, c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh l\u1ea1i kh\u00f4ng \u0111\u1ed3ng t\u00ecnh v\u1edbi \u0111\u1ec1 xu\u1ea5t n\u00e0y.<\/p>\n

Chuy\u00ean gia kinh t\u1ebf – TS \u0110inh Th\u1ebf Hi\u1ec3n cho r\u1eb1ng n\u1ebfu c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh b\u1ecb ki\u1ec3m so\u00e1t cho vay ti\u00eau d\u00f9ng, nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c, ng\u01b0\u1eddi d\u00e2n s\u1ebd chuy\u1ec3n sang vay “t\u00edn d\u1ee5ng \u0111en”. Do \u0111\u00f3 ph\u1ea3i ki\u1ec3m so\u00e1t b\u1eb1ng c\u00e1ch t\u1ea1o s\u1ef1 c\u1ea1nh tranh, minh b\u1ea1ch tr\u00ean th\u1ecb tr\u01b0\u1eddng n\u00e0y v\u00e0 tuy\u00ean truy\u1ec1n cho ng\u01b0\u1eddi d\u00e2n nh\u1eefng ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh, c\u00f3 s\u1ef1 hi\u1ec3u bi\u1ebft khi \u0111i vay, tr\u00e1nh t\u00ecnh tr\u1ea1ng vay xong d\u00f9ng v\u00e0o m\u1ee5c \u0111\u00edch kh\u00e1c ho\u1eb7c kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3\u2026 “\u1ede c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n, vay ti\u00eau d\u00f9ng l\u00e0 \u0111\u1ed9ng l\u1ef1c ph\u00e1t tri\u1ec3n kinh t\u1ebf. V\u1ea5n \u0111\u1ec1 l\u00e0 t\u0103ng t\u00ednh hi\u1ec3u bi\u1ebft, kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi vay” – TS \u0110inh Th\u1ebf Hi\u1ec3n n\u00f3i.<\/p>\n

\n
\"\u0110\u1ed5<\/div>\n
\n

L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng qu\u00e1 cao khi\u1ebfn ng\u01b0\u1eddi vay \u201cngh\u1eb9t th\u1edf\u201d. Trong \u1ea3nh: Nh\u00e2n vi\u00ean m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng vay mua tr\u1ea3 g\u00f3p.\u1ea2nh: T\u1ea5n Th\u1ea1nh<\/p>\n<\/div>\n<\/div>\n

Ti\u1ebfn s\u0129 – lu\u1eadt s\u01b0 B\u00f9i Quang T\u00edn, chuy\u00ean gia t\u00e0i ch\u00ednh, ph\u00e2n t\u00edch: “Hi\u1ec7n theo quy \u0111\u1ecbnh, ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng b\u1ecb \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t m\u00e0 l\u00e0 l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn. Nh\u01b0ng n\u1ebfu \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng ch\u01b0a ch\u1eafc l\u00e0 gi\u1ea3i ph\u00e1p t\u1ed1t, c\u0169ng kh\u00f4ng t\u1ea1o \u0111\u01b0\u1ee3c th\u1ecb tr\u01b0\u1eddng l\u00e0nh m\u1ea1nh v\u00e0 ng\u01b0\u1eddi vay ch\u01b0a h\u1eb3n c\u00f3 l\u1ee3i. \u0110i\u1ec1u c\u1ea7n l\u00fac n\u00e0y l\u00e0 s\u1ef1 t\u0103ng c\u01b0\u1eddng qu\u1ea3n l\u00fd c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc”.<\/p>\n

\u00d4ng Nguy\u1ec5n Tr\u1ecdng Du, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch an to\u00e0n – C\u01a1 quan Thanh tra gi\u00e1m s\u00e1t NH thu\u1ed9c NH Nh\u00e0 n\u01b0\u1edbc, cho bi\u1ebft cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng gi\u1ed1ng c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay kh\u00e1c. N\u00f3 c\u00f3 khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u1eb7c th\u00f9, chuy\u00ean bi\u1ec7t. V\u00ec n\u1ebfu tu\u00e2n th\u1ee7 qu\u00e1 tr\u00ecnh c\u1ea5p ph\u00e9p, gi\u1edbi h\u1ea1n ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng… s\u1ebd t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn gi\u00e1 th\u00e0nh cho vay. “Tr\u01b0\u1edbc \u0111\u00e2y, m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh ni\u00eam y\u1ebft l\u00e3i su\u1ea5t nh\u00ecn c\u00f3 v\u1ebb th\u1ea5p nh\u01b0ng t\u00ednh ra ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 t\u1ed5ng ti\u1ec1n r\u1ea5t cao. K\u1ec3 t\u1eeb khi c\u00f3 Th\u00f4ng t\u01b0 39 quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay, NH Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 y\u00eau c\u1ea7u c\u00e1c \u0111\u01a1n v\u1ecb ph\u1ea3i \u0111\u01b0a ra m\u1ee9c l\u00e3i su\u1ea5t, c\u00f4ng th\u1ee9c v\u00e0 ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i su\u1ea5t chung \u0111\u1ec3 ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 so s\u00e1nh \u0111\u01b0\u1ee3c, t\u1ea1o s\u1ef1 minh b\u1ea1ch, b\u00ecnh \u0111\u1eb3ng gi\u1eefa c\u00e1c b\u00ean tr\u00ean th\u1ecb tr\u01b0\u1eddng” – \u00f4ng Du n\u00f3i.<\/p>\n

Vay tr\u1ef1c tuy\u1ebfn ch\u01b0a ai qu\u1ea3n<\/b><\/p>\n

Trong khi nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c chuy\u00ean gia t\u1eadp trung v\u00e0o vi\u1ec7c l\u00e0nh m\u1ea1nh h\u00f3a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec m\u1ed9t h\u00ecnh th\u1ee9c kh\u00e1c c\u1ee7a cho vay ti\u00eau d\u00f9ng l\u00e0 cho vay tr\u1ef1c tuy\u1ebfn l\u1ea1i \u0111ang b\u1ecb b\u1ecf ng\u1ecf.<\/p>\n

Lo\u1ea1i h\u00ecnh cho vay n\u00e0y m\u1edbi xu\u1ea5t hi\u1ec7n t\u1ea1i Vi\u1ec7t Nam trong v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y c\u00f9ng v\u1edbi s\u1ef1 b\u00f9ng n\u1ed5 c\u1ee7a \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh, thanh to\u00e1n tr\u1ef1c tuy\u1ebfn, m\u1ea1ng x\u00e3 h\u1ed9i v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o. Theo \u0111\u00f3, ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u vay th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c vay s\u1ed1 ti\u1ec1n nh\u1ecf t\u1eeb 1-10 tri\u1ec7u \u0111\u1ed3ng\/l\u1ea7n trong th\u1eddi h\u1ea1n kh\u00f4ng qu\u00e1 30 ng\u00e0y.<\/p>\n

B\u00ean cho vay th\u01b0\u1eddng l\u00e0 m\u1ed9t doanh nghi\u1ec7p (DN) c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 \u0111\u01a1n v\u1ecb gi\u1ea3i ng\u00e2n. Ho\u1eb7c DN Fintech ch\u1ec9 \u0111\u00f3ng vai tr\u00f2 trung gian k\u1ebft n\u1ed1i ng\u01b0\u1eddi vay th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng (app) tr\u00ean \u0111i\u1ec7n tho\u1ea1i, c\u00f2n b\u00ean cho vay \u0111\u00edch th\u1ef1c l\u00e0 m\u1ed9t DN kh\u00e1c. Khi c\u00f3 ng\u01b0\u1eddi vay, b\u00ean cho vay lu\u00f4n \u0111\u01b0a ra m\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u1ee3ng tr\u01b0ng, ph\u1ea7n c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c chuy\u1ec3n h\u00f3a th\u00e0nh ph\u00ed d\u1ecbch v\u1ee5 ho\u1eb7c m\u1ed9t kho\u1ea3n ph\u00ed n\u00e0o \u0111\u00f3 nh\u01b0ng khi t\u00ednh t\u1ed5ng l\u1ea1i cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t c\u00f4ng b\u1ed1, c\u00f3 khi l\u00ean t\u1edbi 720%\/n\u0103m.<\/p>\n

Ch\u01b0a k\u1ec3, ng\u01b0\u1eddi vay bu\u1ed9c ph\u1ea3i cung c\u1ea5p r\u1ea5t nhi\u1ec1u th\u00f4ng tin c\u00e1 nh\u00e2n \u0111\u1ec3 b\u00ean cho vay x\u00e9t duy\u1ec7t. Ngo\u00e0i ra, \u1ee9ng d\u1ee5ng cho vay c\u00f2n \u00e2m th\u1ea7m thu th\u1eadp c\u00e1c th\u00f4ng tin tr\u00ean \u0111i\u1ec7n tho\u1ea1i c\u1ee7a kh\u00e1ch nh\u01b0 danh b\u1ea1, ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8 tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i \u0111\u1ec3 nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3 khi \u0111\u1ebfn h\u1ea1n.<\/p>\n

Theo t\u00ecm hi\u1ec3u c\u1ee7a ph\u00f3ng vi\u00ean, tr\u00ean th\u1ebf gi\u1edbi, cho vay tr\u1ef1c tuy\u1ebfn lu\u00f4n c\u00f3 m\u1ed9t DN l\u00e0m trung gian cung c\u1ea5p c\u00f4ng ngh\u1ec7 \u0111\u1ec3 k\u1ebft n\u1ed1i ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay. Theo \u0111\u00f3, b\u00ean cho vay v\u00e0 b\u00ean vay t\u1ef1 th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t, c\u00f2n \u0111\u01a1n v\u1ecb l\u00e0m trung gian thu \u0111\u01b0\u1ee3c ph\u00ed d\u1ecbch v\u1ee5. Th\u1ebf nh\u01b0ng t\u1ea1i Vi\u1ec7t Nam, do DN cho vay tr\u1ef1c tuy\u1ebfn kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00ean NH Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 qu\u1ea3n l\u00fd c\u00e1c c\u00f4ng ty n\u00e0y d\u01b0\u1edbi v\u1ecb th\u1ebf trung gian thanh to\u00e1n, c\u00f2n c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c nh\u01b0 l\u00e3i su\u1ea5t, ngu\u1ed3n v\u1ed1n, ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f2i n\u1ee3\u2026 kh\u00f4ng c\u00f3 c\u01a1 quan n\u00e0o gi\u00e1m s\u00e1t. V\u00ec v\u1eady cho vay tr\u1ef1c tuy\u1ebfn d\u1ec5 bi\u1ebfn t\u01b0\u1edbng th\u00e0nh t\u00edn d\u1ee5ng \u0111en.<\/p>\n

<\/div>\n

Theo kh\u1ea3o s\u00e1t c\u1ee7a ph\u00f3ng vi\u00ean, th\u1ecb tr\u01b0\u1eddng hi\u1ec7n c\u00f3 kho\u1ea3ng 38 \u1ee9ng d\u1ee5ng cho vay tr\u1ef1c tuy\u1ebfn. Tuy nhi\u00ean, do ph\u00e1p lu\u1eadt ch\u01b0a c\u00f4ng nh\u1eadn lo\u1ea1i h\u00ecnh cho vay n\u00e0y v\u00e0 c\u0169ng kh\u00f4ng c\u1ea5m n\u00ean khi c\u00f3 khi\u1ebfu n\u1ea1i v\u1ec1 d\u1ea5u hi\u1ec7u cho vay tr\u1ef1c tuy\u1ebfn bi\u1ebfn t\u01b0\u1edbng th\u00e0nh t\u00edn d\u1ee5ng \u0111en th\u00ec c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng kh\u00f4ng c\u00f3 c\u01a1 s\u1edf x\u1eed l\u00fd v\u00ec lu\u1eadt ch\u01b0a quy \u0111\u1ecbnh.<\/p>\n

Theo chuy\u00ean gia t\u00e0i ch\u00ednh – TS C\u1ea5n V\u0103n L\u1ef1c, nhu c\u1ea7u vay ti\u1ec1n tr\u1ef1c tuy\u1ebfn l\u00e0 r\u1ea5t l\u1edbn, th\u1eadm ch\u00ed t\u1ea1i TP HCM, m\u1ed9t DN cho vay tr\u1ef1c tuy\u1ebfn ti\u1ebfp nh\u1eadn 2.000 kh\u00e1ch h\u00e0ng\/ng\u00e0y. “Lo\u1ea1i h\u00ecnh vay n\u00e0y m\u1edbi xu\u1ea5t hi\u1ec7n n\u00ean c\u1ea7n s\u1edbm c\u00f3 khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u1ec3 gi\u00e1m s\u00e1t, tr\u00e1nh g\u00e2y h\u1ec7 l\u1ee5y l\u00e2u d\u00e0i. Theo \u0111\u00f3, nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 ch\u1ec9 \u0111\u1ecbnh m\u1ed9t b\u1ed9, ng\u00e0nh nh\u1ea5t \u0111\u1ecbnh \u0111\u1ec3 qu\u1ea3n l\u00fd theo h\u01b0\u1edbng DN cho vay tr\u1ef1c tuy\u1ebfn ph\u1ea3i c\u00f3 m\u1ed9t s\u1ed1 v\u1ed1n nh\u1ea5t \u0111\u1ecbnh, ban h\u00e0nh quy \u0111\u1ecbnh h\u1ea1n m\u1ee9c huy \u0111\u1ed9ng v\u1ed1n k\u1ec3 c\u1ea3 h\u1ea1n m\u1ee9c ng\u01b0\u1eddi d\u00e2n g\u1eedi ti\u1ec1n cho DN cho vay tr\u1ef1c tuy\u1ebfn, h\u1ea1n m\u1ee9c gi\u1ea3i ng\u00e2n \u0111\u1ed1i v\u1edbi b\u00ean cho vay, ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f2i n\u1ee3 ph\u00f9 h\u1ee3p ph\u00e1p lu\u1eadt” – \u00f4ng L\u1ef1c \u0111\u1ec1 xu\u1ea5t.<\/p>\n

Chuy\u00ean gia t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho bi\u1ebft s\u1ed1 v\u1ed1n m\u00e0 h\u1ea7u h\u1ebft DN cho vay tr\u1ef1c tuy\u1ebfn hi\u1ec7n nay c\u00f3 \u0111\u01b0\u1ee3c l\u00e0 nh\u1edd huy \u0111\u1ed9ng t\u1eeb ng\u01b0\u1eddi d\u00e2n th\u00f4ng qua h\u00ecnh th\u1ee9c h\u1ee3p t\u00e1c kinh doanh ho\u1eb7c l\u00e0 v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a DN. Th\u1eddi gian t\u1edbi, n\u1ebfu cho vay tr\u1ef1c tuy\u1ebfn b\u00f9ng ph\u00e1t d\u1eef d\u1ed9i nh\u01b0ng ch\u01b0a c\u00f3 m\u1ed9t \u0111\u1ea7u m\u1ed1i n\u00e0o qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd th\u00ec lo\u1ea1i h\u00ecnh cho vay n\u00e0y c\u00f3 th\u1ec3 “v\u1ee1 tr\u1eadn” gi\u1ed1ng nh\u01b0 c\u00e1c DN cho vay tr\u1ef1c tuy\u1ebfn \u1edf Trung Qu\u1ed1c.<\/p>\n

\n
\n

V\u1eabn \u0111ang x\u00e2y d\u1ef1ng khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd<\/b><\/p>\n

M\u1ed9t s\u1ed1 chuy\u00ean gia t\u00e0i ch\u00ednh cho bi\u1ebft hi\u1ec7n nay, Singapore \u0111\u00e3 \u0111\u01b0a quy \u0111\u1ecbnh cho vay tr\u1ef1c tuy\u1ebfn v\u00e0o Lu\u1eadt Ch\u1ee9ng kho\u00e1n v\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u00e1i sinh, Lu\u1eadt T\u01b0 v\u1ea5n t\u00e0i ch\u00ednh. Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Th\u00e1i Lan c\u0169ng \u0111\u00e3 ban h\u00e0nh C\u1ea9m nang tri\u1ec3n khai Khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd th\u1eed nghi\u1ec7m cho vay tr\u1ef1c tuy\u1ebfn. C\u01a1 quan Qu\u1ea3n l\u00fd d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a Indonesia ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh v\u1ec1 cho vay tr\u1ef1c tuy\u1ebfn…<\/p>\n

Trong khi \u0111\u00f3, Ban Ch\u1ec9 \u0111\u1ea1o Fintech c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1eabn \u0111ang ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd tr\u00ecnh Ch\u00ednh ph\u1ee7 cho ph\u00e9p DN Fintech th\u1eed nghi\u1ec7m cho vay tr\u1ef1c tuy\u1ebfn d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro cho c\u00e1c b\u00ean.<\/p>\n

 <\/p>\n

(NLD)<\/em><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

BVD – Nhi\u1ec1u ng\u01b0\u1eddi vay ti\u1ec1n ph\u1ea3n \u00e1nh l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng (NH) th\u01b0\u01a1ng m\u1ea1i. M\u1ed9t s\u1ed1 kho\u1ea3n vay sau khi t\u00ednh c\u00e1c lo\u1ea1i ph\u00ed c\u00f3 th\u1ec3 l\u00ean t\u1edbi 60%\/th\u00e1ng, ch\u01b0a k\u1ec3 nh\u1eefng kho\u1ea3n ph\u1ea1t h\u1ebft s\u1ee9c v\u00f4 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[118,113,136,111,114],"tags":[8366],"_links":{"self":[{"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/posts\/49753"}],"collection":[{"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/comments?post=49753"}],"version-history":[{"count":1,"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/posts\/49753\/revisions"}],"predecessor-version":[{"id":49755,"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/posts\/49753\/revisions\/49755"}],"wp:attachment":[{"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/media?parent=49753"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/categories?post=49753"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baovietduc.de\/wp-json\/wp\/v2\/tags?post=49753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}