Cho vay ngang h\u00e0ng (P2P) l\u00e0 m\u1ed9t xu h\u01b0\u1edbng b\u00f9ng n\u1ed5, trong \u0111\u00f3 c\u00e1c c\u00e1 nh\u00e2n cho vay l\u1eabn nhau th\u00f4ng qua c\u00e1c thi\u1ebft b\u1ecb tr\u1ef1c tuy\u1ebfn. H\u00ecnh th\u1ee9c n\u00e0y mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho c\u1ea3 ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi mua m\u1edbi. \u0110\u00f3 l\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh th\u1ea5p h\u01a1n so v\u1edbi ng\u00e2n h\u00e0ng, ng\u00f4n ng\u1eef giao d\u1ecbch \u0111a d\u1ea1ng v\u00e0 chi ph\u00ed kh\u1edfi nghi\u1ec7p c\u1ea1nh tranh. Vi\u1ec7c ti\u1ebfp c\u1eadn v\u00e0 qu\u1ea3n l\u00fd kho\u1ea3n vay c\u0169ng d\u1ec5 d\u00e0ng h\u01a1n th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng c\u00e1 nh\u00e2n. Tuy nhi\u00ean, cho vay P2P c\u0169ng ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh nghi\u00eam ng\u1eb7t \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi mua m\u1edbi.<\/p>\n

Tr\u01b0\u1edbc ti\u00ean, ng\u01b0\u1eddi vay th\u01b0\u1eddng s\u1ebd \u0111i\u1ec1n th\u00f4ng tin v\u00e0o ph\u1ea7n m\u1ec1m tr\u00ean n\u1ec1n t\u1ea3ng v\u00e0 b\u1eaft \u0111\u1ea7u ghi l\u1ea1i t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. Sau khi \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n, n\u1ec1n t\u1ea3ng s\u1ebd t\u00ednh to\u00e1n t\u1ed5ng s\u1ed1 ti\u1ec1n vay v\u00e0 ph\u00ed. Sau \u0111\u00f3, h\u1ecd s\u1ebd xem x\u00e9t c\u00e1c h\u1ed3 s\u01a1 v\u00e0 l\u1ef1a ch\u1ecdn nh\u1eefng h\u1ed3 s\u01a1 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u1eadn h\u1ecdc b\u1ed5ng ho\u1eb7c tr\u1ee3 c\u1ea5p. Khi ng\u01b0\u1eddi vay \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, h\u1ecd b\u1eaft \u0111\u1ea7u thanh to\u00e1n c\u00e1c kho\u1ea3n tr\u1ea3 g\u00f3p \u0111\u00fang h\u1ea1n, bao g\u1ed3m c\u1ea3 kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc v\u00e0 kho\u1ea3n tr\u1ea3 g\u00f3p ban \u0111\u1ea7u. Sau \u0111\u00f3, h\u1ecd s\u1ebd tr\u1ea3 c\u00e1c kho\u1ea3n thanh to\u00e1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh.<\/p>\n

M\u1eb7c d\u00f9 cho vay ngang h\u00e0ng (P2P) c\u00f3 nh\u1eefng \u01b0u \u0111i\u1ec3m ri\u00eang, h\u00e3y \u0111\u1ea3m b\u1ea3o b\u1ea1n nghi\u00ean c\u1ee9u k\u1ef9 l\u01b0\u1ee1ng m\u1ecdi ch\u01b0\u01a1ng tr\u00ecnh v\u00e0 ch\u00fa \u00fd \u0111\u1ebfn nh\u1eefng r\u1ee7i ro li\u00ean quan. V\u00ed d\u1ee5, ng\u01b0\u1eddi vay th\u01b0\u1eddng lo l\u1eafng v\u1ec1 nh\u1eefng ng\u01b0\u1eddi t\u1ef1 nh\u1eadn m\u00ecnh l\u00e0 th\u00e0nh vi\u00ean v\u00e0 b\u1eaft \u0111\u1ea7u g\u00e2y \u00e1p l\u1ef1c bu\u1ed9c h\u1ecd tr\u1ea3 n\u1ee3. C\u00f4ng ngh\u1ec7 n\u00e0y \u0111\u00e3 b\u1ecb \u0111\u1ed5 l\u1ed7i cho nhi\u1ec1u v\u1ee5 t\u1ef1 t\u1eed \u1edf B\u1ec9. Ngo\u00e0i ra, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh P2P kh\u00f4ng c\u00f3 b\u1ea3o m\u1eadt t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi r\u1ee7i ro qu\u00e2n s\u1ef1. Nh\u00e0 \u0111\u1ea7u t\u01b0 c\u0169ng c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c kho\u1ea3n ph\u00ed kh\u00e1c nh\u01b0 ph\u00ed mua h\u00e0ng v\u00e0 ph\u00ed tr\u1ea3 ch\u1eadm.<\/p>\n

Th\u00e1ng t\u00e0i ch\u00ednh<\/h2>\n

Ng\u00e2n h\u00e0ng Fiscal \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t trong nh\u1eefng t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ch\u1ee7 ch\u1ed1t c\u1ee7a Vi\u1ec7t Nam, v\u1edbi m\u1ee5c ti\u00eau \u0111\u00e1p \u1ee9ng v\u00f4 s\u1ed1 nhu c\u1ea7u. \u0110\u00f3 l\u00e0 ngu\u1ed3n thu nh\u1eadp cho c\u00e1 nh\u00e2n b\u1ea1n, b\u1ea5t k\u1ec3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng v\u00e0 thu nh\u1eadp ban \u0111\u1ea7u c\u1ee7a b\u1ea1n. H\u1ecd c\u0169ng t\u1eadp trung v\u00e0o c\u00e1c chi\u1ebfn l\u01b0\u1ee3c do ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00fac \u0111\u1ea9y v\u00e0 kh\u1edfi \u0111\u1ea7u s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng. Do \u0111\u00f3, lo\u1ea1i h\u00ecnh t\u1ea1o ra thu nh\u1eadp c\u1ee7a ph\u1ee5 n\u1eef r\u1ea5t \u0111a d\u1ea1ng v\u00e0 b\u1eaft \u0111\u1ea7u \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau ch\u00ed to\u00e0n c\u1ea7u trong ch\u00ednh ph\u1ee7 v\u00e0 qu\u1ea3n l\u00fd. T\u1ed5 ch\u1ee9c n\u00e0y \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi Fiserv \u0111\u1ec3 ph\u00e1t tri\u1ec3n FirstVision, ch\u01b0\u01a1ng tr\u00ecnh th\u00fac \u0111\u1ea9y xu h\u01b0\u1edbng m\u1edbi n\u1ed5i, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0 th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng c\u00f4ng nghi\u1ec7p b\u1ec1n v\u1eefng.<\/p>\n

V\u1edbi n\u1ec1n t\u1ea3ng n\u00e0y, Further Education Monetary \u0111\u00e3 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi hi\u1ec7n \u0111\u1ea1i nh\u01b0 cho vay t\u00edn d\u1ee5ng th\u1ebb, l\u1ea7n \u0111\u1ea7u ti\u00ean t\u1ea1i Vi\u1ec7t Nam. \u0110i\u1ec1u n\u00e0y c\u0169ng gi\u00fap c\u00e1c th\u00e0nh vi\u00ean d\u1ec5 d\u00e0ng gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 b\u1eaft \u0111\u1ea7u \u0111\u00fang h\u01b0\u1edbng. Ch\u01b0\u01a1ng tr\u00ecnh \u0111a ch\u1ee9c n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd, Further Education Online 2.no, bao g\u1ed3m quy tr\u00ecnh \u0111\u0103ng k\u00fd nhanh ch\u00f3ng v\u00e0 \u0111\u01a1n gi\u1ea3n, h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd kho\u1ea3n vay to\u00e0n di\u1ec7n tr\u00ean th\u1ebb t\u00edn d\u1ee5ng Further Education v\u00e0 m\u1edf t\u00e0i kho\u1ea3n \u0111i\u1ec7n t\u1eed Ubank, b\u00e1o c\u00e1o b\u00e1n h\u00e0ng, v\u00e0 nhi\u1ec1u h\u01a1n n\u1eefa.<\/p>\n

S\u1ef1 ki\u00ean tr\u00ec h\u01b0\u1edbng \u0111\u1ebfn s\u1ef1 b\u1ec1n v\u1eefng c\u1ee7a Monetary c\u00f2n \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 trong x\u00e3 h\u1ed9i hi\u1ec7n \u0111\u1ea1i c\u1ee7a t\u1eadp \u0111o\u00e0n v\u00e0 vi\u1ec7c kh\u1edfi x\u01b0\u1edbng c\u00e1c h\u1ec7 th\u1ed1ng ph\u00e1t minh d\u00e0nh cho nh\u00e2n vi\u00ean. C\u00f4ng ty t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho nh\u00e2n vi\u00ean t\u1ef1 c\u1eadp nh\u1eadt ki\u1ebfn \u200b\u200bth\u1ee9c th\u00f4ng qua vi\u1ec7c tham gia th\u1eed v\u00e0 sai (th\u1ef1c h\u00e0nh trong c\u00f4ng vi\u1ec7c, tham gia c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh, v.v.), tham gia c\u00e1c ho\u1ea1t \u0111\u1ed9ng x\u00e3 h\u1ed9i (thi\u1ebft k\u1ebf ngh\u1ec1 nghi\u1ec7p, \u0111\u00e0o t\u1ea1o, c\u1ed1 v\u1ea5n) v\u00e0 tham gia c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn (\u0111\u00e0o t\u1ea1o nh\u00f3m, h\u1ed9i th\u1ea3o v\u00e0 c\u00e1c cu\u1ed9c h\u1ecdp nh\u00f3m). \u0110i\u1ec1u n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a nh\u00e2n vi\u00ean. Ngo\u00e0i ra, c\u00f4ng ty c\u00f2n c\u00f3 c\u00e1c n\u1ed7 l\u1ef1c t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 t\u1ed5 ch\u1ee9c c\u00e1c ho\u1ea1t \u0111\u1ed9ng tr\u00e1ch nhi\u1ec7m x\u00e3 h\u1ed9i doanh nghi\u1ec7p (CSR) h\u00e0ng n\u0103m.<\/p>\n

VND Nh\u1eadp v\u00e0o<\/h2>\n

Ch\u1ec9 \u0111\u01a1n gi\u1ea3n b\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng l\u01b0\u1ee3ng ti\u00eau d\u00f9ng l\u1edbn t\u1eeb sinh vi\u00ean \u0111\u1ea1i h\u1ecdc v\u00e0 m\u1ee9c ti\u00eau th\u1ee5 th\u1ea5p tr\u00ean \u0111\u1ea7u ng\u01b0\u1eddi, ng\u01b0\u1eddi s\u00e1ng l\u1eadp ki\u00eam gi\u00e1m s\u00e1t vi\u00ean kh\u1edfi nghi\u1ec7p c\u1ee7a c\u00f4ng ty, \u00f4ng Zhou Guanya, kh\u1eb3ng \u0111\u1ecbnh sinh vi\u00ean Vi\u1ec7t Nam \u201cc\u00f3 kh\u1ea3 n\u0103ng chi ti\u00eau nhi\u1ec1u h\u01a1n so v\u1edbi sinh vi\u00ean Trung Qu\u1ed1c\u201d. VND khai th\u00e1c m\u1ecdi m\u00f4i tr\u01b0\u1eddng thanh to\u00e1n \u0111\u1ecba ph\u01b0\u01a1ng, t\u00edch c\u1ef1c t\u01b0\u01a1ng t\u00e1c trong khu\u00f4n vi\u00ean tr\u01b0\u1eddng v\u00e0 b\u1eaft \u0111\u1ea7u cung c\u1ea5p nhi\u1ec1u h\u00ecnh th\u1ee9c t\u00edn d\u1ee5ng cho sinh vi\u00ean. \u0110i\u1ec1u n\u00e0y gi\u00fap d\u1ecbch v\u1ee5 n\u00e0y tr\u1edf th\u00e0nh m\u1ed9t doanh nghi\u1ec7p quan tr\u1ecdng, \u0111\u1ed3ng th\u1eddi gi\u00fap ph\u00e1t tri\u1ec3n nh\u1eadn th\u1ee9c v\u1ec1 s\u1ef1 \u0111a d\u1ea1ng trong sinh vi\u00ean.<\/p>\n

M\u1ed9t lo\u1ea1i ti\u1ec1n t\u1ec7 m\u1edbi c\u1ee7a Nh\u1eadt B\u1ea3n \u0111ang ho\u1ea1t \u0111\u1ed9ng trong m\u1ed9t n\u1ec1n kinh t\u1ebf m\u1edbi d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7, tuy nhi\u00ean, c\u00e1c kho\u1ea3n chi ti\u00eau k\u1ef9 thu\u1eadt s\u1ed1 \u0111i\u1ec7n t\u1eed n\u00f3i chung v\u1eabn \u0111ang ph\u00e1t tri\u1ec3n b\u1ea5t ch\u1ea5p s\u1ee9c h\u00fat ng\u00e0y c\u00e0ng t\u0103ng. V\u00ec ng\u00e0nh c\u00f4ng nghi\u1ec7p \u0111o l\u01b0\u1eddng \u0111ang ph\u00e1t tri\u1ec3n, m\u1ed9t lo\u1ea1i h\u00ecnh kinh t\u1ebf n\u01b0\u1edbc ngo\u00e0i m\u1edbi ch\u1eafc ch\u1eafn ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn r\u1ed9ng r\u00e3i cho c\u1ea3 nh\u00e0 \u1edf v\u00e0 c\u00e1c y\u00eau c\u1ea7u v\u01b0\u1ee3t gi\u1edbi h\u1ea1n, th\u00fac \u0111\u1ea9y t\u1ef1 do c\u00e1 nh\u00e2n v\u00e0 b\u1eaft \u0111\u1ea7u tr\u1eeb khi b\u1ea1n s\u1edf h\u1eefu.<\/p>\n

Tuy nhi\u00ean, b\u1ea5t k\u1ef3 h\u00ecnh th\u1ee9c chuy\u1ec3n \u0111\u1ed5i h\u1ea1n ch\u1ebf n\u00e0o c\u1ee7a VND \u0111\u1ec1u g\u00e2y ra r\u1eafc r\u1ed1i li\u00ean quan \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng to\u00e0n c\u1ea7u. C\u00e1c nh\u00e0 bu\u00f4n n\u00ean l\u00ean k\u1ebf ho\u1ea1ch thanh to\u00e1n b\u1eb1ng VND tr\u01b0\u1edbc ti\u00ean, b\u1ea5t k\u1ec3 h\u1ecd t\u1eadp trung v\u00e0o ngu\u1ed3n nh\u00e2n l\u1ef1c trong n\u01b0\u1edbc hay kh\u00f4ng, nh\u01b0ng c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu ph\u00ed chuy\u1ec3n \u0111\u1ed5i qu\u1ed1c t\u1ebf v\u00e0 b\u1eaft \u0111\u1ea7u bi\u1ebfn \u0111\u1ed9ng khi ti\u1ebfp th\u1ecb v\u00e0 qu\u1ea3ng c\u00e1o tr\u00ean to\u00e0n th\u1ebf gi\u1edbi.<\/p>\n

\u0110\u1ec3 ch\u1ea5m d\u1ee9t s\u1ef1 ph\u1ee9c t\u1ea1p ngay t\u1ea1i \u0111\u00e2y, c\u00e1c c\u1eeda h\u00e0ng c\u1ea7n b\u1ed5 sung c\u00e1c lo\u1ea1i c\u1ed5ng thanh to\u00e1n \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n h\u01a1n n\u1eefa ph\u01b0\u01a1ng ph\u00e1p c\u1ee7a h\u1ecd, \u0111\u1ea3m b\u1ea3o ph\u1ea1m vi ti\u1ebfp c\u1eadn t\u1ed1i \u01b0u v\u00e0 b\u1eaft \u0111\u1ea7u t\u0103ng t\u1ed1c. H\u1ecd c\u0169ng n\u00ean h\u1ee3p t\u00e1c v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n (PSP) \u0111\u1ec3 b\u1eaft \u0111\u1ea7u hi\u1ec3u r\u00f5 khung ph\u00e1p l\u00fd c\u1ee7a Malaysia n\u1ebfu mu\u1ed1n h\u1ee3p l\u00fd h\u00f3a c\u00e1c ch\u1ee9c n\u0103ng v\u00e0 b\u1eaft \u0111\u1ea7u t\u0103ng chi ph\u00ed m\u00e0 kh\u00f4ng l\u00e0m gi\u1ea3m tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng. Ngo\u00e0i ra, c\u00e1c c\u1eeda h\u00e0ng n\u00ean xem x\u00e9t b\u1ed5 sung c\u00e1c ph\u01b0\u01a1ng ph\u00e1p nh\u1eadn di\u1ec7n r\u1ee7i ro hi\u1ec7n \u0111\u1ea1i \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u00e1c tuy\u00ean b\u1ed1 c\u1ee7a m\u00ecnh khi tu\u00e2n th\u1ee7 lu\u1eadt ph\u00e1p Malaysia. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m t\u00ecnh tr\u1ea1ng b\u1ecf container v\u00e0 b\u1eaft \u0111\u1ea7u t\u0103ng t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i cho c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t c\u1ee7a h\u1ecd.<\/p>\n","protected":false},"excerpt":{"rendered":"

B\u00e0i vi\u1ebft M\u1ee5c \u0111\u00edch t\u00e0i tr\u1ee3 ngang h\u00e0ng (P2P) Th\u00e1ng t\u00e0i ch\u00ednh VND Nh\u1eadp v\u00e0o N\u1ec1n t\u1ea3ng Vdong tr\u1ef1c tuy\u1ebfn l\u00e0 m\u1ed9t n\u1ec1n t\u1ea3ng hi\u1ec7n \u0111\u1ea1i cung c\u1ea5p c\u00e1c g\u00f3i…<\/p>\n","protected":false},"author":17,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-208617","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/posts\/208617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/comments?post=208617"}],"version-history":[{"count":1,"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/posts\/208617\/revisions"}],"predecessor-version":[{"id":208618,"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/posts\/208617\/revisions\/208618"}],"wp:attachment":[{"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/media?parent=208617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/categories?post=208617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.startmetricservices.com\/blog\/wp-json\/wp\/v2\/tags?post=208617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}