{"id":3207,"date":"2022-09-28T16:24:24","date_gmt":"2022-09-28T09:24:24","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=3207"},"modified":"2022-10-05T16:31:27","modified_gmt":"2022-10-05T09:31:27","slug":"hoi-thao-pho-bien-ket-qua-nghien-cuu-de-tai-nghien-cuu-hoat-dong-cho-vay-ngang-hang-kinh-nghiem-quoc-te-va-khuyen-nghi-cho-viet-nam","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/hoi-thao-pho-bien-ket-qua-nghien-cuu-de-tai-nghien-cuu-hoat-dong-cho-vay-ngang-hang-kinh-nghiem-quoc-te-va-khuyen-nghi-cho-viet-nam\/","title":{"rendered":"H\u1ed9i th\u1ea3o ph\u1ed5 bi\u1ebfn k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u \u0110\u1ec1 t\u00e0i \u201cNghi\u00ean c\u1ee9u ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng: Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf v\u00e0 khuy\u1ebfn ngh\u1ecb cho Vi\u1ec7t Nam\u201d"},"content":{"rendered":"

S\u00e1ng <\/em>28<\/em>\/<\/em>9\/2022<\/em>, Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c <\/em>N<\/em>g\u00e2n h\u00e0ng<\/em> (CLNH) \u0111\u00e3 <\/em>t\u1ed5 ch\u1ee9c bu\u1ed5i H\u1ed9i th\u1ea3o gi\u1edbi thi\u1ec7u k\u1ebft qu\u1ea3 <\/em>nghi\u00ean c\u1ee9u c\u1ee7a \u0110<\/em>\u1ec1 t\u00e0i khoa h\u1ecdc v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ea5p <\/em>B<\/em>\u1ed9<\/em>:<\/em> \u201cNghi\u00ean c\u1ee9u ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng: Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf v\u00e0 khuy\u1ebfn ngh\u1ecb cho Vi\u1ec7t Nam\u201d<\/em> (m\u00e3 s\u1ed1 \u0110TNH.018\/20)<\/em> do TS. B\u00f9i T\u00edn Ngh\u1ecb – nguy\u00ean Gi\u00e1m \u0111\u1ed1c H\u1ecdc vi\u1ec7n Ng\u00e2n h\u00e0ng l\u00e0m ch\u1ee7 nhi\u1ec7m. <\/em><\/p>\n

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To\u00e0n c\u1ea3nh H\u1ed9i th\u1ea3o <\/em><\/p>\n

Ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o, TS. Ph\u1ea1m Minh T\u00fa \u2013 Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng cho bi\u1ebft, Vi\u1ec7t Nam hi\u1ec7n \u0111ang trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 nhanh ch\u00f3ng, trong \u0111\u00f3 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t trong nh\u1eefng l\u0129nh v\u1ef1c ti\u00ean phong \u0111i \u0111\u1ea7u trong qu\u00e1 tr\u00ecnh n\u00e0y. Nh\u00ecn r\u1ed9ng ra trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u2013 t\u00e0i ch\u00ednh n\u00f3i chung, ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u m\u00f4 h\u00ecnh kinh doanh m\u1edbi ra \u0111\u1eddi d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1, n\u1ed5i l\u00ean l\u00e0 m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (P2P lending).<\/p>\n

Th\u1ef1c t\u1ebf, ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd \u1edf nhi\u1ec1u n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi, t\u1ea1i Vi\u1ec7t Nam m\u00f4 h\u00ecnh n\u00e0y c\u0169ng \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc \u0111i \u0111\u1ea7u ti\u00ean. Ph\u1ea3i nh\u00ecn nh\u1eadn r\u1eb1ng P2P lending l\u00e0 m\u1ed9t xu th\u1ebf t\u1ea5t y\u1ebfu, v\u00ec v\u1eady ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng \u0111ang \u0111\u1eb7t ra y\u00eau c\u1ea7u cho c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM), c\u00f4ng ty Fintech c\u1ea7n ch\u1ee7 \u0111\u1ed9ng c\u00f3 c\u00e1c b\u01b0\u1edbc \u0111i ph\u00f9 h\u1ee3p \u0111\u1ec3 m\u00f4 h\u00ecnh n\u00e0y ph\u00e1t tri\u1ec3n theo h\u01b0\u1edbng t\u00edch c\u1ef1c cho th\u1ecb tr\u01b0\u1eddng v\u00e0 h\u1ea1n ch\u1ebf th\u1ea5p nh\u1ea5t r\u1ee7i ro.<\/p>\n

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TS. Ph\u1ea1m Minh T\u00fa, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng <\/em><\/p>\n

ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o.<\/em><\/p>\n

\u0110\u1ea1i di\u1ec7n nh\u00f3m nghi\u00ean c\u1ee9u, TS. B\u00f9i T\u00edn Ngh\u1ecb – nguy\u00ean Gi\u00e1m \u0111\u1ed1c H\u1ecdc vi\u1ec7n Ng\u00e2n h\u00e0ng \u0111\u00e3 tr\u00ecnh b\u00e0y k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u c\u1ee7a \u0110\u1ec1 t\u00e0i v\u1edbi 04 n\u1ed9i dung ch\u00ednh, bao g\u1ed3m: (i) C\u01a1 s\u1edf l\u00fd lu\u1eadn v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng; (ii) Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng v\u00e0 b\u00e0i h\u1ecdc cho Vi\u1ec7t Nam; (iii) Th\u1ef1c tr\u1ea1ng ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng t\u1ea1i Vi\u1ec7t Nam; (iv) Khuy\u1ebfn ngh\u1ecb \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

Theo \u0111\u00f3, cho vay ngang h\u00e0ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u00e0 x\u00e2y d\u1ef1ng tr\u00ean n\u1ec1n t\u1ea3ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111\u1ec3 k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp ng\u01b0\u1eddi \u0111i vay v\u1edbi ng\u01b0\u1eddi cho vay m\u00e0 kh\u00f4ng th\u00f4ng qua c\u00e1c t\u1ed5 ch\u1ee9c trung gian t\u00e0i ch\u00ednh. To\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng ph\u00ea duy\u1ec7t kho\u1ea3n vay, gi\u1ea3i ng\u00e2n, tr\u1ea3 n\u1ee3 gi\u1eefa ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean n\u1ec1n t\u1ea3ng giao d\u1ecbch tr\u1ef1c tuy\u1ebfn, \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef b\u1eb1ng c\u00e1c b\u1ea3ng ghi \u0111i\u1ec7n t\u1eed, s\u1ed1 h\u00f3a tr\u00ean h\u1ec7 th\u1ed1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u c\u1ee7a c\u00e1c c\u00f4ng ty P2P lending.<\/p>\n

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TS. B\u00f9i T\u00edn Ngh\u1ecb – Ch\u1ee7 nhi\u1ec7m \u0110\u1ec1 t\u00e0i tr\u00ecnh b\u00e0y <\/em>k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u<\/em> t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

K\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t c\u1ee7a nh\u00f3m nghi\u00ean c\u1ee9u ch\u1ec9 ra trong nh\u1eefng n\u0103m v\u1eeba qua, cho vay ngang h\u00e0ng \u0111\u00e3 ph\u00e1t tri\u1ec3n nhanh tr\u00ean th\u1ebf gi\u1edbi. T\u1ea1i Vi\u1ec7t Nam, th\u1ed1ng k\u00ea c\u00f3 kho\u1ea3ng h\u01a1n 100 c\u00f4ng ty \u0111ang cho vay ngang h\u00e0ng v\u1edbi quy m\u00f4 v\u00e0 doanh s\u1ed1 kh\u00f4ng ng\u1eebng t\u0103ng l\u00ean. Ho\u1ea1t \u0111\u1ed9ng P2P lending gi\u00fap t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba, \u0111\u00f3ng g\u00f3p v\u00e0o m\u1ee5c ti\u00eau th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n qu\u1ed1c gia. Tuy nhi\u00ean, \u0111\u1ec3 m\u00f4 h\u00ecnh n\u00e0y ho\u1ea1t \u0111\u1ed9ng m\u1ed9t c\u00e1ch b\u00e0i b\u1ea3n v\u00e0 \u0111\u00fang \u0111\u1ecbnh h\u01b0\u1edbng, v\u1eabn c\u00f2n nhi\u1ec1u kho\u1ea3ng tr\u1ed1ng \u0111\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd.<\/p>\n

Theo nh\u00f3m nghi\u00ean c\u1ee9u, m\u1eb7c d\u00f9 \u0111ang c\u00f3 b\u01b0\u1edbc ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd nh\u01b0ng hi\u1ec7n nay Vi\u1ec7t Nam ch\u01b0a c\u00f3 m\u1ed9t quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u1ee5 th\u1ec3 t\u1eeb ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd li\u00ean quan \u0111\u1ebfn vi\u1ec7c t\u1ea1o l\u1eadp khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng. C\u00f3 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u00f3 li\u00ean quan nh\u01b0ng hi\u1ec7n \u0111ang n\u1eb1m \u201cr\u1ea3i r\u00e1c\u201d v\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 qu\u1ea3n l\u00fd t\u1eadp trung.<\/p>\n

Nh\u00f3m nghi\u00ean c\u1ee9u \u0111\u1ec1 xu\u1ea5t, tr\u01b0\u1edbc m\u1eaft trong th\u1eddi gian ch\u01b0a c\u00f3 c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111\u1ec3 qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng P2P lending, c\u1ea7n s\u1edbm ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 C\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (trong \u0111\u00f3 P2P lending \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh).<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3, do P2P l\u00e0 m\u00f4 h\u00ecnh kinh doanh m\u1edbi n\u00ean c\u1ea7n c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p, tham gia c\u1ee7a nhi\u1ec1u b\u1ed9, ng\u00e0nh \u0111\u1ec3 ti\u1ebfn h\u00e0nh r\u00e0 so\u00e1t, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung nhi\u1ec1u quy \u0111\u1ecbnh c\u00f3 li\u00ean quan t\u1ea1i Lu\u1eadt Doanh nghi\u1ec7p, Lu\u1eadt \u0111\u1ea7u t\u01b0, Lu\u1eadt Giao d\u1ecbch \u0111i\u1ec7n t\u1eed, Lu\u1eadt An ninh m\u1ea1ng, Ph\u00e1p l\u1ec7nh ngo\u1ea1i h\u1ed1i, S\u00e0n giao d\u1ecbch \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 52\/2013\/N\u0110-CP v\u1ec1 th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, Ngh\u1ecb \u0111\u1ecbnh 96\/2016\/N\u0110-CP quy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n v\u1ec1 an ninh, tr\u1eadt t\u1ef1 \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u00e0nh ngh\u1ec1 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n,\u2026<\/p>\n

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Trao \u0111\u1ed5i t\u1ea1i H\u1ed9i th\u1ea3o, c\u00e1c \u0111\u1ea1i bi\u1ec3u \u0111\u1ec1u nh\u1eadn \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng v\u00e0 t\u1ea1o th\u00eam k\u00eanh ti\u1ebfp c\u1eadn ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh cho kh\u00e1ch h\u00e0ng, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng y\u1ebfu th\u1ebf trong x\u00e3 h\u1ed9i (c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn internet), qua \u0111\u00f3 g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i t\u00ecnh tr\u1ea1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

Tuy nhi\u00ean, ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng c\u0169ng ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro (r\u1ee7i ro cho vay, r\u1ee7i ro th\u00f4ng tin, r\u1ee7i ro ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n, r\u1ee7i ro an ninh m\u1ea1ng…) c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng b\u1ea5t l\u1ee3i, b\u1ea5t \u1ed5n \u0111\u1ebfn h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh n\u00f3i chung, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang n\u1ebfu ph\u00e1t tri\u1ec3n kh\u00f4ng c\u00f3 s\u1ef1 ki\u1ec3m so\u00e1t gi\u1ed1ng nh\u01b0 b\u00e0i h\u1ecdc c\u1ee7a th\u1ecb tr\u01b0\u1eddng Trung Qu\u1ed1c.<\/p>\n

Ch\u00ednh v\u00ec v\u1eady, k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u c\u1ee7a \u0110\u1ec1 t\u00e0i c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay, l\u00e0 t\u00e0i li\u1ec7u tham kh\u1ea3o qu\u00fd b\u00e1u cho c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc c\u0169ng nh\u01b0 c\u00e1c TCTD, c\u00f4ng ty Fintech \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng, nh\u1eb1m ph\u00e1t huy t\u1ed1i \u0111a nh\u1eefng l\u1ee3i th\u1ebf c\u1ee7a lo\u1ea1i h\u00ecnh n\u00e0y v\u00e0 ch\u1ee7 \u0111\u1ed9ng c\u00f3 c\u00e1c gi\u1ea3i ph\u00e1p h\u1ea1n ch\u1ebf nh\u1eefng r\u1ee7i ro c\u00f3 th\u1ec3 ph\u00e1t sinh.<\/p>\n

\"\"<\/a><\/p>\n

Tin b\u00e0i & \u1ea2nh: Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng; Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

S\u00e1ng 28\/9\/2022, Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng (CLNH) \u0111\u00e3 t\u1ed5 ch\u1ee9c bu\u1ed5i H\u1ed9i th\u1ea3o gi\u1edbi thi\u1ec7u k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u c\u1ee7a \u0110\u1ec1 t\u00e0i khoa h\u1ecdc v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ea5p B\u1ed9: \u201cNghi\u00ean c\u1ee9u ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng: Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf v\u00e0 khuy\u1ebfn ngh\u1ecb cho Vi\u1ec7t Nam\u201d (m\u00e3 s\u1ed1 \u0110TNH.018\/20) do TS. B\u00f9i T\u00edn …<\/p>\n","protected":false},"author":3,"featured_media":3208,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[57,40],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3207"}],"collection":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/comments?post=3207"}],"version-history":[{"count":1,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3207\/revisions"}],"predecessor-version":[{"id":3212,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/3207\/revisions\/3212"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/3208"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=3207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=3207"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=3207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}