{"id":4205,"date":"2024-07-18T15:35:49","date_gmt":"2024-07-18T08:35:49","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=4205"},"modified":"2024-07-31T15:42:46","modified_gmt":"2024-07-31T08:42:46","slug":"hoi-thao-khoa-hoc-phat-trien-lanh-manh-tin-dung-tieu-dung-day-lui-tin-dung-den","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/hoi-thao-khoa-hoc-phat-trien-lanh-manh-tin-dung-tieu-dung-day-lui-tin-dung-den\/","title":{"rendered":"H\u1ed9i th\u1ea3o khoa h\u1ecdc: Ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, \u0111\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d"},"content":{"rendered":"

Ng\u00e0y 1<\/em>8<\/em>\/<\/em>7<\/em>\/2024, t\u1ea1i H\u00e0 N\u1ed9i, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) t\u1ed5 ch\u1ee9c <\/em>H\u1ed9i th\u1ea3o khoa h\u1ecdc<\/em> v\u1edbi ch\u1ee7 \u0111\u1ec1: Ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, \u0111\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d. H\u1ed9i th\u1ea3o do Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, NHNN \u0111\u1ea7u m\u1ed1i t\u1ed5 ch\u1ee9c d\u01b0\u1edbi s\u1ef1 ch\u1ee7 tr\u00ec c\u1ee7a Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN \u0110o\u00e0n Th\u00e1i S\u01a1n. H\u1ed9i th\u1ea3o c\u00f3 s\u1ef1 tham d\u1ef1 c\u1ee7a h\u01a1n 100 \u0111\u1ea1i bi\u1ec3u \u0111\u1ebfn t\u1eeb c\u00e1c b\u1ed9, ban, ng\u00e0nh; m\u1ed9t s\u1ed1 v\u1ee5, c\u1ee5c, \u0111\u01a1n v\u1ecb thu\u1ed9c NHNN, chi nh\u00e1nh NHNN t\u1ec9nh, th\u00e0nh ph\u1ed1; c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00f4ng ty t\u00e0i ch\u00ednh; c\u00e1c tr\u01b0\u1eddng, h\u1ecdc vi\u1ec7n, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam; c\u00e1c chuy\u00ean gia, nh\u00e0 khoa h\u1ecdc trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng; c\u00e1c c\u01a1 quan b\u00e1o ch\u00ed, truy\u1ec1n th\u00f4ng trong Ng\u00e0nh.<\/em><\/p>\n

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Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN \u0110o\u00e0n Th\u00e1i S\u01a1n ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o.<\/em><\/p>\n

Ph\u00e1t bi\u1ec3u khai m\u1ea1c H\u1ed9i th\u1ea3o, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN \u0110o\u00e0n Th\u00e1i S\u01a1n \u0111\u00e1nh gi\u00e1, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u00f3 vai tr\u00f2 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf – x\u00e3 h\u1ed9i. B\u00ean c\u1ea1nh vi\u1ec7c \u0111\u00e1p \u1ee9ng nh\u1eefng nhu c\u1ea7u ch\u00ednh \u0111\u00e1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u00f2n k\u00edch c\u1ea7u s\u1ee9c mua, h\u1ed7 tr\u1ee3 s\u1ea3n xu\u1ea5t, kinh doanh, qua \u0111\u00f3 t\u1ea1o \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf. \u0110\u1ea9y m\u1ea1nh cho vay ti\u00eau d\u00f9ng c\u00f2n \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p quan tr\u1ecdng g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n t\u1eeb nh\u1eefng k\u00eanh kh\u00f4ng ch\u00ednh th\u1ee9c, \u0111i\u1ec3n h\u00ecnh l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, gi\u00fap gi\u1ea3m thi\u1ec3u c\u00e1c h\u1ec7 l\u1ee5y v\u00e0 g\u00f3p ph\u1ea7n \u0111\u1ea3m b\u1ea3o an ninh tr\u1eadt t\u1ef1 x\u00e3 h\u1ed9i. D\u00f9 v\u1eady, c\u0169ng c\u1ea7n ph\u1ea3i nh\u00ecn nh\u1eadn th\u1eb3ng th\u1eafn r\u1eb1ng ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1eabn c\u00f2n nh\u1eefng h\u1ea1n ch\u1ebf v\u00e0 g\u1eb7p nhi\u1ec1u th\u00e1ch th\u1ee9c, \u0111\u1eb7c bi\u1ec7t trong b\u1ed1i c\u1ea3nh quy m\u00f4 c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng l\u1edbn. V\u00ec v\u1eady, vi\u1ec7c \u0111\u01b0a ra c\u00e1c gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng Vi\u1ec7t Nam l\u00e0nh m\u1ea1nh, hi\u1ec7u qu\u1ea3 v\u00e0 b\u1ec1n v\u1eefng l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft, g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

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

Tr\u00ecnh b\u00e0y tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o, TS. Nguy\u1ec5n Th\u1ecb Hi\u1ec1n, Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, NHNN \u0111\u00e1nh gi\u00e1: M\u1ed9t trong nh\u1eefng vai tr\u00f2 to l\u1edbn c\u1ee7a t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0 gi\u00fap ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng y\u1ebfu th\u1ebf, kh\u00f3 c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1edbi ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c nhu c\u1ea7u t\u00e0i ch\u00ednh m\u00e0 kh\u00f4ng ph\u1ea3i t\u00ecm t\u1edbi \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

Theo TS. Nguy\u1ec5n Th\u1ecb Hi\u1ec1n, quan \u0111i\u1ec3m \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam c\u00f3 t\u00ednh xuy\u00ean su\u1ed1t, \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u01b0\u1ee3c kh\u1eb3ng \u0111\u1ecbnh, th\u1ec3 hi\u1ec7n qua Quy\u1ebft \u0111\u1ecbnh s\u1ed1 149\/Q\u0110-TTg c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c 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, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030; Ch\u1ec9 th\u1ecb s\u1ed1 12\/CT-TTg ng\u00e0y 25\/4\/2019 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 t\u0103ng c\u01b0\u1eddng ph\u00f2ng ng\u1eeba, \u0111\u1ea5u tranh v\u1edbi t\u1ed9i ph\u1ea1m v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d. H\u00e0ng n\u0103m, Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u1ec1u ban h\u00e0nh ch\u1ec9 th\u1ecb v\u1ec1 t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5 tr\u1ecdng t\u00e2m c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng, trong \u0111\u00f3 lu\u00f4n quan t\u00e2m \u0111\u1ebfn c\u00e1c nhi\u1ec7m v\u1ee5 v\u1ec1 ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng cho vay ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n

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TS. Nguy\u1ec5n Th\u1ecb Hi\u1ec1n tr\u00ecnh b\u00e0y tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

Theo b\u00e0 Mai Th\u1ecb Trang, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, NHNN, th\u1eddi gian qua NHNN \u0111\u00e3 tri\u1ec3n khai \u0111\u1ed3ng b\u1ed9, c\u00f3 hi\u1ec7u qu\u1ea3 c\u00e1c gi\u1ea3i ph\u00e1p v\u1ec1 \u0111\u1ea9y m\u1ea1nh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, h\u1ea1n ch\u1ebf \u201ct\u00edn d\u1ee5ng \u0111en\u201d, c\u1ee5 th\u1ec3: (i) qu\u00e1n tri\u1ec7t xuy\u00ean su\u1ed1t \u0111\u1ecbnh h\u01b0\u1edbng \u0111i\u1ec1u h\u00e0nh t\u00edn d\u1ee5ng \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 nhu c\u1ea7u v\u1ed1n t\u00edn d\u1ee5ng g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng g\u1eafn v\u1edbi \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4, ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t, an to\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng TCTD; (ii) t\u1eadp trung ho\u00e0n thi\u1ec7n khung kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng; (iii) th\u01b0\u1eddng xuy\u00ean ch\u1ec9 \u0111\u1ea1o TCTD m\u1edf r\u1ed9ng, \u0111a d\u1ea1ng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng, cho vay v\u1edbi l\u00e3i su\u1ea5t h\u1ee3p l\u00fd, \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c cho vay; (iv) t\u0103ng c\u01b0\u1eddng khuy\u1ebfn kh\u00edch c\u00e1c TCTD c\u1ea7n chuy\u1ec3n \u0111\u1ed5i s\u1ed1, \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng khoa h\u1ecdc, c\u00f4ng ngh\u1ec7 nh\u1eb1m \u0111\u1ea9y nhanh t\u1ed1c \u0111\u1ed9, th\u1eddi gian x\u1eed l\u00fd h\u1ed3 s\u01a1 vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ea9y m\u1ea1nh r\u00e0 so\u00e1t, \u0111\u01a1n gi\u1ea3n h\u00f3a quy tr\u00ecnh, th\u1ee7 t\u1ee5c n\u1ed9i b\u1ed9 \u0111\u1ec3 t\u1ea1o thu\u1eadn l\u1ee3i t\u1ed1i \u0111a cho kh\u00e1ch h\u00e0ng vay v\u1ed1n v\u00e0 (v) t\u0103ng c\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng truy\u1ec1n th\u00f4ng v\u1ec1 c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch cho vay, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111\u1ebfn \u0111\u00f4ng \u0111\u1ea3o ng\u01b0\u1eddi d\u00e2n.<\/p>\n

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B\u00e0 Mai Th\u1ecb Trang tr\u00ecnh b\u00e0y tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

\u0110\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n Vi\u1ec7t Nam (Agribank), \u00f4ng L\u00ea H\u1ed3ng Ph\u00fac, Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c cho bi\u1ebft, Agribank lu\u00f4n \u0111i \u0111\u1ea7u trong th\u1ef1c hi\u1ec7n c\u00e1c ch\u1ee7 tr\u01b0\u01a1ng, ch\u00ednh s\u00e1ch c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, \u0111\u1eb7c bi\u1ec7t l\u00e0 ch\u00ednh s\u00e1ch cho vay ti\u00eau d\u00f9ng, \u0111\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d nh\u1edd ph\u00e1t huy th\u1ebf m\u1ea1nh m\u1ea1ng l\u01b0\u1edbi r\u1ed9ng kh\u1eafp, \u0111\u1eb7c bi\u1ec7t t\u1ea1i khu v\u1ef1c n\u00f4ng th\u00f4n, v\u00f9ng s\u00e2u, v\u00f9ng xa. Th\u1eddi gian qua, Agribank \u0111\u00e3 tri\u1ec3n khai nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh cho vay ti\u00eau d\u00f9ng v\u00e0 mang l\u1ea1i hi\u1ec7u qu\u1ea3 kinh doanh c\u0169ng nh\u01b0 \u0111em l\u1ea1i l\u1ee3i \u00edch cho ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u1ed9ng \u0111\u1ed3ng. T\u1ea1i H\u1ed9i th\u1ea3o, \u00f4ng L\u00ea H\u1ed3ng Ph\u00fac \u0111\u00e3 tr\u00ecnh b\u00e0y m\u1ed9t s\u1ed1 ki\u1ebfn ngh\u1ecb c\u1ee7a Agribank \u0111\u1ed1i v\u1edbi c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n nh\u1eb1m n\u00e2ng cao hi\u1ec7u qu\u1ea3 trong ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n tr\u00ean \u0111\u1ecba b\u00e0n n\u00f4ng th\u00f4n.<\/p>\n

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\u00d4ng L\u00ea H\u1ed3ng Ph\u00fac tr\u00ecnh b\u00e0y tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o. <\/em><\/p>\n

T\u1ea1i H\u1ed9i th\u1ea3o, b\u00e0 Tr\u1ea7n Th\u1ecb Thanh H\u00e0, \u1ee6y vi\u00ean \u0110o\u00e0n Ch\u1ee7 t\u1ecbch, Tr\u01b0\u1edfng Ban Quan h\u1ec7 lao \u0111\u1ed9ng, T\u1ed5ng Li\u00ean \u0111o\u00e0n Lao \u0111\u1ed9ng Vi\u1ec7t Nam (L\u0110L\u0110) \u0111\u00e3 tr\u00ecnh b\u00e0y kh\u00e1i qu\u00e1t v\u1ec1 th\u1ef1c tr\u1ea1ng, nguy\u00ean nh\u00e2n khi\u1ebfn ng\u01b0\u1eddi lao \u0111\u1ed9ng ti\u1ebfp c\u1eadn v\u1edbi \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u00e0 nh\u1eefng h\u1ec7 l\u1ee5y h\u1ebft s\u1ee9c n\u1eb7ng n\u1ec1. B\u00e0 Tr\u1ea7n Th\u1ecb Thanh H\u00e0 cho bi\u1ebft, nh\u1eb1m gi\u1ea3i quy\u1ebft v\u1ea5n n\u1ea1n n\u00e0y, T\u1ed5ng L\u0110L\u0110 \u0111\u00e3 \u0111\u1ea9y m\u1ea1nh c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi lao \u0111\u1ed9ng ti\u1ebfp c\u1eadn v\u1edbi ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c, \u0111\u1eb7c bi\u1ec7t l\u00e0 ho\u1ea1t \u0111\u1ed9ng ph\u1ed1i h\u1ee3p v\u1edbi 02 c\u00f4ng ty t\u00e0i ch\u00ednh HD Saison v\u00e0 FE Credit. Trong th\u1eddi gian t\u1edbi, T\u1ed5ng L\u0110L\u0110 v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd ti\u1ebfp t\u1ee5c ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd \u0111\u1ec3 tri\u1ec3n khai hi\u1ec7u qu\u1ea3 c\u00e1c g\u00f3i vay \u01b0u \u0111\u00e3i cho c\u00f4ng nh\u00e2n, ng\u01b0\u1eddi lao \u0111\u1ed9ng.<\/p>\n

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B\u00e0 Tr\u1ea7n Th\u1ecb Thanh H\u00e0 tr\u00ecnh b\u00e0y tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

\u0110\u1ea1i di\u1ec7n C\u1ee5c C\u1ea3nh s\u00e1t qu\u1ea3n l\u00fd h\u00e0nh ch\u00ednh v\u1ec1 tr\u1eadt t\u1ef1 x\u00e3 h\u1ed9i (C06), B\u1ed9 C\u00f4ng an, \u00f4ng Phan \u0110\u1ee9c Hi\u1ec7p, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Nghi\u00ean c\u1ee9u – \u1ee9ng d\u1ee5ng d\u1eef li\u1ec7u d\u00e2n c\u01b0 v\u00e0 c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n, Trung t\u00e2m D\u1eef li\u1ec7u Qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0 cho bi\u1ebft, t\u00ecnh h\u00ecnh v\u1ec1 t\u1ed9i ph\u1ea1m \u201ct\u00edn d\u1ee5ng \u0111en\u201d \u0111ang ng\u00e0y c\u00e0ng bi\u1ebfn t\u01b0\u1edbng, tinh vi v\u00e0 kh\u00f3 ki\u1ec3m so\u00e1t do \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i. Trong b\u1ed1i c\u1ea3nh nh\u01b0 v\u1eady, vi\u1ec7c c\u00e1c TCTD \u1ee9ng d\u1ee5ng c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0, c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n, \u0111\u1ecbnh danh \u0111i\u1ec7n t\u1eed trong qu\u00e1 tr\u00ecnh ra quy\u1ebft \u0111\u1ecbnh cho vay l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh h\u01a1n n\u1eefa trong th\u1eddi gian t\u1edbi. Bi\u1ec7n ph\u00e1p n\u00e0y s\u1ebd h\u1ed7 tr\u1ee3 c\u00e1c TCTD trong ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5, gi\u1ea3i quy\u1ebft t\u1eadn g\u1ed1c v\u1ea5n \u0111\u1ec1 \u0111\u1ecbnh danh c\u00e1 nh\u00e2n, gi\u00fap kh\u00e1ch h\u00e0ng ti\u1ebfp c\u1eadn v\u1ed1n vay nhanh ch\u00f3ng, thu\u1eadn l\u1ee3i.<\/p>\n

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\u00d4ng Phan \u0110\u1ee9c Hi\u1ec7p tr\u00ecnh b\u00e0y tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

K\u1ebft th\u00fac phi\u00ean tham lu\u1eadn, \u00f4ng Nguy\u1ec5n \u0110\u00ecnh \u0110\u1ee9c, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c C\u00f4ng ty T\u00e0i ch\u00ednh HD Saison \u0111\u00e3 tr\u00ecnh b\u00e0y th\u1ef1c tri\u1ec5n tri\u1ec3n khai ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a HD Saison tr\u00ean c\u00e1c kh\u00eda c\u1ea1nh: (i) \u0111\u1ed5i m\u1edbi, \u0111a d\u1ea1ng h\u00f3a s\u1ea3n ph\u1ea9m k\u1ebft h\u1ee3p v\u1edbi th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i s\u1ed1 \u0111\u1ec3 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, t\u0103ng c\u01b0\u1eddng tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 (ii) th\u1ef1c h\u00e0nh cho vay c\u00f3 tr\u00e1ch nhi\u1ec7m th\u1ec3 hi\u1ec7n b\u1eb1ng vi\u1ec7c tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, b\u1ea3o \u0111\u1ea3m quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ec1 cao tr\u00e1ch nhi\u1ec7m x\u00e3 h\u1ed9i.<\/p>\n

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\u00d4ng Nguy\u1ec5n \u0110\u00ecnh \u0110\u1ee9c tr\u00ecnh b\u00e0y tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

T\u1ea1i phi\u00ean trao \u0111\u1ed5i th\u1ea3o lu\u1eadn, c\u00e1c \u0111\u1ea1i bi\u1ec3u v\u00e0 \u0111\u1ea1i di\u1ec7n c\u00e1c \u0111\u01a1n v\u1ecb \u0111\u00e3 \u0111\u01b0a ra nhi\u1ec1u \u00fd ki\u1ebfn xoay quanh ch\u1ee7 \u0111\u1ec1 H\u1ed9i th\u1ea3o, trong \u0111\u00f3 t\u1eadp trung v\u00e0o c\u00e1c v\u1ea5n \u0111\u1ec1: (i) ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 an to\u00e0n, qu\u1ea3n tr\u1ecb r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u00e0 m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p c\u1ea7n th\u1ef1c hi\u1ec7n trong th\u1eddi gian t\u1edbi; (ii) th\u1ebf kh\u00f3 c\u1ee7a c\u00e1c TCTD tr\u01b0\u1edbc th\u1ef1c tr\u1ea1ng ng\u01b0\u1eddi \u0111i vay b\u00f9ng n\u1ee3, nh\u1eefng h\u00e0nh \u0111\u1ed9ng th\u1ef1c t\u1ebf c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh nh\u1eb1m h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi \u0111i vay th\u1ef1c hi\u1ec7n \u0111\u00fang tr\u00e1ch nhi\u1ec7m v\u1edbi kho\u1ea3n vay; (iii) c\u00f4ng t\u00e1c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ho\u1ea1t \u0111\u1ed9ng cho vay; (iv) v\u1ea5n \u0111\u1ec1 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh v\u00e0 (v) c\u00f4ng t\u00e1c tuy\u00ean truy\u1ec1n, gi\u00e1o d\u1ee5c v\u1ec1 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111i vay, h\u1eadu qu\u1ea3 c\u1ee7a “t\u00edn d\u1ee5ng \u0111en”, k\u1ebft qu\u1ea3 \u0111\u1ea5u tranh, x\u1eed l\u00fd c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ec3 n\u00e2ng cao nh\u1eadn th\u1ee9c v\u00e0 \u00fd th\u1ee9c c\u1ea3nh gi\u00e1c c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n

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Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c \u0110o\u00e0n Th\u00e1i S\u01a1n ch\u1ee7 tr\u00ec phi\u00ean th\u1ea3o lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o.<\/em><\/p>\n

Ph\u00e1t bi\u1ec3u k\u1ebft lu\u1eadn, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c \u0110o\u00e0n Th\u00e1i S\u01a1n \u0111\u00e1nh gi\u00e1 cao c\u00e1c b\u00e0i tham lu\u1eadn v\u00e0 \u00fd ki\u1ebfn trao \u0111\u1ed5i, th\u1ea3o lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o. Trong th\u1eddi gian t\u1edbi, \u0111\u1ec3 khai th\u00e1c \u0111\u01b0\u1ee3c ti\u1ec1m n\u0103ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u00e0 gi\u1ea3i quy\u1ebft nh\u1eefng t\u1ed3n t\u1ea1i, th\u00e1ch th\u1ee9c, c\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p tr\u1ecdng t\u00e2m sau:<\/p>\n

V\u1ec1 ph\u00eda ng\u00e0nh Ng\u00e2n h\u00e0ng, c\u1ea7n: (i) ti\u1ebfp t\u1ee5c r\u00e0 so\u00e1t, ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, cho vay ti\u00eau d\u00f9ng, \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u th\u1ef1c ti\u1ec5n; (ii) t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd, thanh tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, cho vay ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng c\u1ee7a c\u00e1c TCTD, \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt; (iii) ti\u1ebfp t\u1ee5c ho\u00e0n thi\u1ec7n c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch v\u1ec1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng, h\u01b0\u1edbng d\u1eabn vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin, s\u1ed1 h\u00f3a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 TCTD \u0111a d\u1ea1ng h\u00f3a s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, b\u00e1m s\u00e1t v\u1edbi nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng, \u0111\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 ph\u00f2ng ng\u1eeba, ng\u0103n ch\u1eb7n t\u1ed9i ph\u1ea1m \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao; (iv) t\u0103ng c\u01b0\u1eddng ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, c\u1ea5p \u1ee7y, ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng trong vi\u1ec7c tuy\u00ean truy\u1ec1n c\u00e1c c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng \u0111\u1ebfn m\u1ecdi t\u1ea7ng l\u1edbp nh\u00e2n d\u00e2n \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n hi\u1ec3u \u0111\u00fang v\u1ec1 c\u00e1c k\u00eanh t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c c\u0169ng nh\u01b0 th\u1ea5y \u0111\u01b0\u1ee3c c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d; (v) c\u00e1c TCTD c\u1ea7n r\u00e0 so\u00e1t, \u0111\u1ed5i m\u1edbi ph\u01b0\u01a1ng th\u1ee9c cung c\u1ea5p th\u00f4ng tin, c\u00e1ch th\u1ee9c ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng vay \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n hi\u1ec3u \u0111\u00fang, \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, \u0111\u1ed3ng th\u1eddi c\u1ea7n ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb c\u1ee7a B\u1ed9 C\u00f4ng an trong k\u1ebft n\u1ed1i, khai th\u00e1c d\u1eef li\u1ec7u th\u00f4ng tin t\u1eeb c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0, \u0111\u1ea9y m\u1ea1nh c\u00e1c gi\u1ea3i ph\u00e1p \u1ee9ng d\u1ee5ng d\u1eef li\u1ec7u n\u00e0y trong ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng.<\/p>\n

V\u1ec1 ph\u00eda c\u00e1c b\u1ed9, ng\u00e0nh v\u00e0 \u0111\u1ecba ph\u01b0\u01a1ng, c\u1ea7n ti\u1ebfp t\u1ee5c tri\u1ec3n khai hi\u1ec7u qu\u1ea3 c\u00e1c nhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p t\u1ea1i Ch\u1ec9 th\u1ecb s\u1ed1 12\/CT-TTg ng\u00e0y 25\/4\/2019 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 t\u0103ng c\u01b0\u1eddng ph\u00f2ng ng\u1eeba, \u0111\u1ea5u tranh v\u1edbi t\u1ed9i ph\u1ea1m vi ph\u1ea1m ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

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Tin b\u00e0i & \u1ea2nh: V\u1ee5 Truy\u1ec1n th\u00f4ng; Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng; T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng; Vi\u1ec7n CLNH<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Ng\u00e0y 18\/7\/2024, t\u1ea1i H\u00e0 N\u1ed9i, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) t\u1ed5 ch\u1ee9c H\u1ed9i th\u1ea3o khoa h\u1ecdc v\u1edbi ch\u1ee7 \u0111\u1ec1: Ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, \u0111\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d. H\u1ed9i th\u1ea3o do Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, NHNN \u0111\u1ea7u m\u1ed1i t\u1ed5 ch\u1ee9c d\u01b0\u1edbi s\u1ef1 ch\u1ee7 tr\u00ec c\u1ee7a Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c …<\/p>\n","protected":false},"author":1,"featured_media":4207,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[221,57,40],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/4205"}],"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\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/comments?post=4205"}],"version-history":[{"count":1,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/4205\/revisions"}],"predecessor-version":[{"id":4216,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/4205\/revisions\/4216"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/4207"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=4205"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=4205"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=4205"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}