{"id":396,"date":"2026-03-07T20:40:18","date_gmt":"2026-03-07T13:40:18","guid":{"rendered":"https:\/\/tamsucuocsong.com.vn\/?p=396"},"modified":"2026-03-07T20:40:33","modified_gmt":"2026-03-07T13:40:33","slug":"396","status":"publish","type":"post","link":"https:\/\/tamsucuocsong.com.vn\/index.php\/2026\/03\/07\/396\/","title":{"rendered":"Tin vui m\u1edbi cho to\u00e0n b\u1ed9 ng\u01b0\u1eddi d\u00e2n vay ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh"},"content":{"rendered":"

Th\u00f4ng tin n\u00e0y \u0111\u01b0\u1ee3c b\u00e1o ch\u00ednh th\u1ed1ng \u0111\u0103ng t\u1ea3i r\u1ed3i, m\u00ecnh chia s\u1ebb l\u1ea1i trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y cho m\u1ecdi ng\u01b0\u1eddi c\u00f9ng bi\u1ebft nh\u00e9!<\/p>\n

S\u1eafp t\u1edbi, ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 vay t\u1edbi 400 tri\u1ec7u \u0111\u1ed3ng m\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i cung c\u1ea5p ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi, ch\u1ec9 c\u1ea7n cung c\u1ea5p th\u00f4ng tin t\u1ed1i thi\u1ec3u s\u1eed d\u1ee5ng v\u1ed1n h\u1ee3p ph\u00e1p v\u00e0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh tr\u01b0\u1edbc khi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay v\u1ed1n.<\/strong><\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111ang l\u1ea5y \u00fd ki\u1ebfn c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c v\u1ec1 D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN ng\u00e0y 30 th\u00e1ng 12 n\u0103m 2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n\"h\u00ecnh<\/picture>\n

\u1ea2nh minh h\u1ecda<\/p>\n

Vay d\u01b0\u1edbi 400 tri\u1ec7u kh\u00f4ng ph\u1ea3i cung c\u1ea5p ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi<\/strong><\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec1 xu\u1ea5t nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi t\u1ea1o nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho ng\u01b0\u1eddi vay v\u1ec1 h\u1ea1n m\u1ee9c, vay tr\u1ef1c tuy\u1ebfn v\u00e0 linh ho\u1ea1t ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3.<\/p>\n

C\u1ee5 th\u1ec3, D\u1ef1 th\u1ea3o s\u1eeda \u0111\u1ed5i b\u1ed5 sung: Kho\u1ea3n cho vay c\u00f3 m\u1ee9c gi\u00e1 tr\u1ecb nh\u1ecf l\u00e0 kho\u1ea3n cho vay theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 102 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 400 tri\u1ec7u \u0111\u1ed3ng Vi\u1ec7t Nam t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (tr\u1eeb Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n) v\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 200 tri\u1ec7u \u0111\u1ed3ng Vi\u1ec7t Nam t\u1ea1i c\u00e1c Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n. Theo quy \u0111\u1ecbnh hi\u1ec7n nay, kho\u1ea3n cho vay c\u00f3 m\u1ee9c gi\u00e1 tr\u1ecb nh\u1ecf kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 100 tri\u1ec7u.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay nh\u1ecf, kh\u00e1ch h\u00e0ng kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i cung c\u1ea5p ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi, ch\u1ec9 c\u1ea7n cung c\u1ea5p th\u00f4ng tin t\u1ed1i thi\u1ec3u s\u1eed d\u1ee5ng v\u1ed1n h\u1ee3p ph\u00e1p v\u00e0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh tr\u01b0\u1edbc khi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay v\u1ed1n.<\/p>\n

Ngo\u00e0i ra, NHNN c\u0169ng \u0111\u1ec1 xu\u1ea5t c\u01a1 ch\u1ebf tr\u1ea3 n\u1ee3 linh ho\u1ea1t h\u01a1n. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn v\u1ec1 th\u1ee9 t\u1ef1 thu n\u1ee3 g\u1ed1c, l\u00e3i ti\u1ec1n vay. \u0110\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 vay b\u1ecb qu\u00e1 h\u1ea1n tr\u1ea3 n\u1ee3, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n theo th\u1ee9 t\u1ef1 n\u1ee3 g\u1ed1c thu tr\u01b0\u1edbc, n\u1ee3 l\u00e3i ti\u1ec1n vay thu sau.<\/p>\n

NHNN cho bi\u1ebft, tr\u00ean c\u01a1 s\u1edf th\u1ef1c ti\u1ec5n ho\u1ea1t \u0111\u1ed9ng, m\u1ed9t s\u1ed1 TCTD v\u00e0 NHNN c\u00e1c Khu v\u1ef1c ki\u1ebfn ngh\u1ecb, \u0111\u1ec1 xu\u1ea5t cho ph\u00e9p TCTD v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 th\u1ee9 t\u1ef1 thu n\u1ee3 g\u1ed1c, l\u00e3i ti\u1ec1n vay \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 vay c\u00f3 m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 b\u1ecb qu\u00e1 h\u1ea1n; ch\u1ec9 quy \u0111\u1ecbnh th\u1ee9 t\u1ef1 thu n\u1ee3 g\u1ed1c tr\u01b0\u1edbc, l\u00e3i thu sau. Quy \u0111\u1ecbnh cho ph\u00e9p TCTD v\u00e0 kh\u00e1ch h\u00e0ng ch\u1ee7 \u0111\u1ed9ng th\u1ecfa thu\u1eadn trong vi\u1ec7c thu n\u1ee3 g\u1ed1c, l\u00e3i \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 vay c\u00f3 m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 b\u1ecb qu\u00e1 h\u1ea1n g\u00f3p ph\u1ea7n t\u0103ng t\u00ednh linh ho\u1ea1t, ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf c\u1ee7a kho\u1ea3n n\u1ee3 vay v\u00e0 ngu\u1ed3n tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\"h\u00ecnh<\/picture>\n

\u1ea2nh minh h\u1ecda<\/p>\n

B\u1ecf gi\u1edbi h\u1ea1n vay \u0111i\u1ec7n t\u1eed kh\u00f4ng qu\u00e1 100 tri\u1ec7u<\/strong><\/p>\n

D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 c\u0169ng b\u00e3i b\u1ecf \u0110i\u1ec1u 32c t\u1ea1i Th\u00f4ng t\u01b0 39 v\u1ec1 gi\u1edbi h\u1ea1n d\u01b0 n\u1ee3 cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed; \u0111\u1ed3ng th\u1eddi y\u00eau c\u1ea7u TCTD quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 m\u1ee9c gi\u1edbi h\u1ea1n n\u00e0y t\u1ea1i quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o TCTD t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro d\u1ef1a tr\u00ean kh\u1ea9u v\u1ecb r\u1ee7i ro c\u1ee7a t\u1eebng TCTD v\u00e0 n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb trong tr\u01b0\u1eddng h\u1ee3p TCTD cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed.<\/p>\n

M\u1ed9t s\u1ed1 TCTD ki\u1ebfn ngh\u1ecb NHNN n\u00e2ng m\u1ee9c gi\u1edbi h\u1ea1n d\u01b0 n\u1ee3 cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed ho\u1eb7c kh\u00f4ng quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n \u0111\u1ec3 c\u00e1c TCTD c\u0103n c\u1ee9 tr\u00ean kh\u1ea9u v\u1ecb r\u1ee7i ro, ngu\u1ed3n l\u1ef1c v\u1ec1 c\u00f4ng ngh\u1ec7 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh gi\u1edbi h\u1ea1n v\u00e0 t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi c\u00e1c r\u1ee7i ro ph\u00e1t sinh.<\/p>\n

Trong b\u1ed1i c\u1ea3nh n\u1ec1n kinh t\u1ebf hi\u1ec7n nay, chi ph\u00ed sinh ho\u1ea1t v\u00e0 mua s\u1eafm h\u00e0ng h\u00f3a, d\u1ecbchv\u1ee5 c\u00f3 xu h\u01b0\u1edbng t\u0103ng, d\u1eabn \u0111\u1ebfn nhu c\u1ea7u vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng th\u01b0\u1eddng xuy\u00ean v\u01b0\u1ee3t qu\u00e1 m\u1ee9c 100 tri\u1ec7u \u0111\u1ed3ng. Vi\u1ec7c gi\u1edbi h\u1ea1n m\u1ee9c 100 tri\u1ec7u \u0111\u1ed3ng ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech). Vi\u1ec7c m\u1edf r\u1ed9ng d\u1ecbch v\u1ee5 cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed l\u00e0 xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu trong chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n

M\u1ed9t s\u1ed1 v\u0103n b\u1ea3n quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh \u00e1p d\u1ee5ng m\u1ee9c gi\u00e1 tr\u1ecb tuy\u1ec7t \u0111\u1ed1i l\u1edbn h\u01a1n 100 tri\u1ec7u \u0111\u1ed3ng. Do \u0111\u00f3, vi\u1ec7c \u0111\u1ec1 xu\u1ea5t g\u1ee1 b\u1ecf, kh\u00f4ng quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n d\u01b0 n\u1ee3 cho vay t\u1ea1i Th\u00f4ng t\u01b0 s\u1ebd g\u00f3p ph\u1ea7n h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00e2n d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng h\u1ee3p ph\u00e1p, minh b\u1ea1ch qua k\u00eanh \u0111i\u1ec7n t\u1eed, h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng \u0111en; gi\u00fap kh\u00e1ch h\u00e0ng gi\u1ea3m thi\u1ec3u chi ph\u00ed giao d\u1ecbch, ti\u1ebft ki\u1ec7m th\u1eddi gian \u0111i l\u1ea1i…, t\u0103ng t\u00ednh hi\u1ec7u qu\u1ea3, linh ho\u1ea1t c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay b\u1eb1ng ph\u01b0\u01a1ng th\u1ee9c \u0111i\u1ec7n t\u1eed.<\/p>\n

Vay ng\u00e2n h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u00fang th\u1eddi h\u1ea1n th\u00ec sao<\/strong><\/p>\n

Vay ti\u1ec1n ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c ph\u1ed5 bi\u1ebfn \u0111\u1ec3 gi\u1ea3i quy\u1ebft nhu c\u1ea7u t\u00e0i ch\u00ednh nh\u01b0 mua nh\u00e0, mua xe, kinh doanh ho\u1eb7c chi ti\u00eau c\u00e1 nh\u00e2n. Tuy nhi\u00ean, n\u1ebfu \u0111\u1ebfn th\u1eddi h\u1ea1n thanh to\u00e1n m\u00e0 ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 n\u1ee3 \u0111\u00fang nh\u01b0 cam k\u1ebft trong h\u1ee3p \u0111\u1ed3ng th\u00ec s\u1ebd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u h\u1ec7 qu\u1ea3 kh\u00f4ng mong mu\u1ed1n.<\/p>\n

Tr\u01b0\u1edbc h\u1ebft, kho\u1ea3n vay s\u1ebd b\u1ecb t\u00ednh l\u00e3i qu\u00e1 h\u1ea1n. M\u1ee9c l\u00e3i n\u00e0y th\u01b0\u1eddng cao h\u01a1n so v\u1edbi l\u00e3i su\u1ea5t ban \u0111\u1ea7u, khi\u1ebfn s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 ng\u00e0y c\u00e0ng t\u0103ng l\u00ean theo th\u1eddi gian. Ngo\u00e0i ra, ng\u00e2n h\u00e0ng s\u1ebd li\u00ean h\u1ec7 nh\u1eafc nh\u1edf v\u00e0 y\u00eau c\u1ea7u ng\u01b0\u1eddi vay nhanh ch\u00f3ng thanh to\u00e1n \u0111\u1ec3 tr\u00e1nh ph\u00e1t sinh th\u00eam chi ph\u00ed.<\/p>\n

M\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00e1c l\u00e0 th\u00f4ng tin ch\u1eadm tr\u1ea3 n\u1ee3 c\u00f3 th\u1ec3 b\u1ecb c\u1eadp nh\u1eadt l\u00ean h\u1ec7 th\u1ed1ng l\u1ecbch s\u1eed t\u00edn d\u1ee5ng. Khi b\u1ecb ghi nh\u1eadn n\u1ee3 x\u1ea5u, ng\u01b0\u1eddi vay s\u1ebd g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n trong vi\u1ec7c vay v\u1ed1n sau n\u00e0y, th\u1eadm ch\u00ed c\u00f3 th\u1ec3 b\u1ecb t\u1eeb ch\u1ed1i khi mu\u1ed1n vay ti\u1ec1n \u1edf c\u00e1c ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p k\u00e9o d\u00e0i m\u00e0 ng\u01b0\u1eddi vay v\u1eabn kh\u00f4ng tr\u1ea3 n\u1ee3, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p ph\u00e1p l\u00fd theo quy \u0111\u1ecbnh. V\u00ec v\u1eady, tr\u01b0\u1edbc khi vay ti\u1ec1n, m\u1ed7i ng\u01b0\u1eddi n\u00ean c\u00e2n nh\u1eafc k\u1ef9 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh v\u00e0 ch\u1ee7 \u0111\u1ed9ng trao \u0111\u1ed5i v\u1edbi ng\u00e2n h\u00e0ng n\u1ebfu g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n.<\/p>\n","protected":false},"excerpt":{"rendered":"

Th\u00f4ng tin n\u00e0y \u0111\u01b0\u1ee3c b\u00e1o ch\u00ednh th\u1ed1ng \u0111\u0103ng t\u1ea3i r\u1ed3i, m\u00ecnh chia s\u1ebb l\u1ea1i trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y cho m\u1ecdi ng\u01b0\u1eddi c\u00f9ng bi\u1ebft nh\u00e9! S\u1eafp t\u1edbi, ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 vay t\u1edbi 400 tri\u1ec7u \u0111\u1ed3ng m\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i cung c\u1ea5p ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi, ch\u1ec9 c\u1ea7n cung c\u1ea5p th\u00f4ng […]<\/p>\n","protected":false},"author":1,"featured_media":13,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chua-phan-loai"],"_links":{"self":[{"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/posts\/396","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/comments?post=396"}],"version-history":[{"count":2,"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/posts\/396\/revisions"}],"predecessor-version":[{"id":398,"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/posts\/396\/revisions\/398"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/media\/13"}],"wp:attachment":[{"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/media?parent=396"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/categories?post=396"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tamsucuocsong.com.vn\/index.php\/wp-json\/wp\/v2\/tags?post=396"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}