Kh\u1eafp Vi\u1ec7t Nam, c\u00e1c ng\u00e2n h\u00e0ng P2P v\u00e0 nh\u1eefng ng\u01b0\u1eddi kinh doanh cho vay ngang h\u00e0ng ho\u1ea1t \u0111\u1ed9ng trong c\u00e1c ng\u00f5 h\u1ebbm \u0111en t\u1ed1i. M\u1ed9t s\u1ed1 ng\u01b0\u1eddi ti\u1ebfp c\u1eadn c\u00e1c kho\u1ea3n vay kh\u00e1 d\u1ec5 d\u00e0ng b\u1eb1ng c\u00e1ch thu th\u1eadp th\u00f4ng tin c\u00e1 nh\u00e2n, trong khi nh\u1eefng ng\u01b0\u1eddi kh\u00e1c \u0111\u01b0\u1ee3c cho l\u00e0 t\u00ednh l\u00e3i su\u1ea5t c\u1eaft c\u1ed5 v\u00e0 s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p t\u00e0i ch\u00ednh b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n

Shinhan Monetary cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng th\u00f4ng qua Zalo, m\u1ed9t \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn t\u1ea1i Vi\u1ec7t Nam. \u1ee8ng d\u1ee5ng n\u00e0y gi\u00fap ng\u01b0\u1eddi d\u00f9ng \u0111\u0103ng k\u00fd nh\u1eadn ti\u1ec1n th\u01b0\u1edfng tr\u1ef1c tuy\u1ebfn m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng.<\/p>\n

Tien Oi<\/h2>\n

Ph\u1ea7n m\u1ec1m vay v\u1ed1n tr\u1ef1c tuy\u1ebfn Tien Oi c\u00f3 c\u00e1c t\u00ednh n\u0103ng n\u1ed5i b\u1eadt v\u00e0 cho ph\u00e9p vay v\u1ed1n d\u1ec5 d\u00e0ng v\u1edbi m\u1ee9c gi\u00e1 l\u00ean \u0111\u1ebfn g\u1ea7n 5 t\u1ef7 VND. Quy tr\u00ecnh ph\u1ea7n m\u1ec1m \u0111\u01a1n gi\u1ea3n v\u00e0 ph\u00ed l\u00e3i su\u1ea5t 0% ban \u0111\u1ea7u khi\u1ebfn n\u00f3 tr\u1edf th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n h\u1ea5p d\u1eabn cho nh\u1eefng ng\u01b0\u1eddi c\u1ea7n ti\u1ec1n m\u1eb7t ngay l\u1eadp t\u1ee9c. Tuy nhi\u00ean, ng\u01b0\u1eddi vay c\u1ea7n th\u1eadn tr\u1ecdng khi l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn. H\u1ecd n\u00ean t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh, th\u00f4ng tin, ng\u00e0nh ngh\u1ec1 v\u00e0 kh\u1ea3 n\u0103ng ph\u00e1t tri\u1ec3n. Ngo\u00e0i ra, h\u1ecd n\u00ean x\u00e1c nh\u1eadn c\u00e1c ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh v\u00e0 ch\u00ednh s\u00e1ch hoa h\u1ed3ng c\u1ee7a ng\u00e2n h\u00e0ng tr\u01b0\u1edbc khi vay th\u00eam ti\u1ec1n.<\/p>\n

M\u1ed9t l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ngang h\u00e0ng (P2P) t\u1eeb Vi\u1ec7t Nam s\u1ebd ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd, nh\u01b0ng nhi\u1ec1u ph\u1ea7n m\u1ec1m d\u01b0\u1edbi \u0111\u00e2y c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd. Nhi\u1ec1u trong s\u1ed1 ch\u00fang th\u01b0\u1eddng b\u1ecb ki\u1ec7n v\u00ec qu\u1ea3ng c\u00e1o c\u00e1c kho\u1ea3n ph\u00ed cho vay n\u1eb7ng l\u00e3i. Ngo\u00e0i ra, c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c nh\u1eefng ng\u01b0\u1eddi \u0111am m\u00ea s\u1eed d\u1ee5ng \u0111\u1ec3 qu\u1ea5y r\u1ed1i ng\u01b0\u1eddi vay. M\u1ed9t s\u1ed1 th\u1eadm ch\u00ed g\u1ea7n \u0111\u00e2y c\u00f2n b\u1ecb li\u00ean quan \u0111\u1ebfn r\u1eeda ti\u1ec1n v\u00e0 l\u1eeba \u0111\u1ea3o. Qu\u00e2n \u0111\u1ed9i H\u00e0n Qu\u1ed1c \u0111ang thu th\u1eadp th\u00f4ng tin \u0111\u1ec3 qu\u1ea3n l\u00fd ng\u00e0nh c\u00f4ng nghi\u1ec7p m\u1edbi n\u1ed5i n\u00e0y, v\u00e0 m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh P2P c\u00f3 ti\u1ebfng x\u1ea5u.<\/p>\n

\u0110\u1ec3 qu\u1ea3n l\u00fd vi\u1ec7c gia t\u0103ng c\u1ed5 ph\u1ea7n, B\u1ed9 T\u00e0i ch\u00ednh Vi\u1ec7t Nam \u0111\u00e3 t\u00ecm \u0111\u1ebfn EmbedIT \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 v\u00e0 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee5 th\u1ec3 v\u1ec1 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng cho ng\u01b0\u1eddi d\u00f9ng. C\u00f4ng ty n\u00e0y d\u1ef1 \u0111\u1ecbnh x\u00e2y d\u1ef1ng m\u1ed9t n\u1ec1n t\u1ea3ng \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng m\u1ea1nh m\u1ebd v\u00e0 an to\u00e0n, c\u00f3 kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a m\u1ed9t n\u1ec1n kinh t\u1ebf \u0111ang ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng. B\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng ngu\u1ed3n nh\u00e2n l\u1ef1c c\u00f3 kinh nghi\u1ec7m trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a EmbedIT, c\u00f4ng ty c\u00f3 th\u1ec3 gi\u1ea3m chi ph\u00ed ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng t\u1eeb 20%. Th\u00eam v\u00e0o \u0111\u00f3, c\u00e1c t\u00ednh n\u0103ng b\u1ea3o m\u1eadt c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh gi\u00fap b\u1ea3o v\u1ec7 th\u00f4ng tin t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. K\u1ebft qu\u1ea3 cu\u1ed1i c\u00f9ng s\u1ebd l\u00e0 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh di \u0111\u1ed9ng c\u00e1 nh\u00e2n c\u00f3 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng, th\u00e2n thi\u1ec7n v\u1edbi ng\u01b0\u1eddi d\u00f9ng v\u00e0 h\u01b0\u1edbng \u0111\u1ebfn doanh nghi\u1ec7p, d\u00e0nh cho B\u1ed9 T\u00e0i ch\u00ednh Vi\u1ec7t Nam.<\/p>\n