5.1 \u01afu \u0110i\u1ec3m<\/strong><\/span><\/h3>\nC\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh mang \u0111\u1ebfn gi\u1ea3i ph\u00e1p ti\u1ebfp c\u1eadn v\u1ed1n nhanh ch\u00f3ng v\u00e0 linh ho\u1ea1t cho ng\u01b0\u1eddi d\u00f9ng. \u0110i\u1ec3m n\u1ed5i b\u1eadt l\u00e0 quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh \u0111\u01a1n gi\u1ea3n, th\u1eddi gian gi\u1ea3i ng\u00e2n nhanh ch\u00f3ng ch\u1ec9 t\u1eeb 24-48 gi\u1edd, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ea5p thi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh. V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay online <\/strong>\u0111\u00e3 t\u1ed1i \u01b0u h\u00f3a tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng th\u00f4ng qua n\u1ec1n t\u1ea3ng s\u1ed1, gi\u00fap vi\u1ec7c \u0111\u0103ng k\u00fd v\u00e0 theo d\u00f5i kho\u1ea3n vay tr\u1edf n\u00ean thu\u1eadn ti\u1ec7n h\u01a1n bao gi\u1edd h\u1ebft.<\/p>\nM\u00f4 h\u00ecnh c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay tr\u1ea3 g\u00f3p<\/strong> mang \u0111\u1ebfn ph\u01b0\u01a1ng \u00e1n thanh to\u00e1n ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng l\u1ef1a ch\u1ecdn k\u1ef3 h\u1ea1n tr\u1ea3 g\u00f3p t\u1eeb 6 \u0111\u1ebfn 36 th\u00e1ng, v\u1edbi m\u1ee9c g\u00f3p h\u00e0ng th\u00e1ng h\u1ee3p l\u00fd. \u0110i\u1ec1u n\u00e0y gi\u00fap ng\u01b0\u1eddi vay c\u00e2n \u0111\u1ed1i \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n, kh\u00f4ng g\u00e2y \u00e1p l\u1ef1c t\u00e0i ch\u00ednh qu\u00e1 l\u1edbn trong vi\u1ec7c ho\u00e0n tr\u1ea3 kho\u1ea3n vay.<\/p>\nC\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh tuy\u1ec3n d\u1ee5ng <\/strong>nh\u00e2n s\u1ef1 ch\u1ea5t l\u01b0\u1ee3ng cao, \u0111\u1ea7u t\u01b0 v\u00e0o \u0111\u1ed9i ng\u0169 t\u01b0 v\u1ea5n chuy\u00ean nghi\u1ec7p. Vi\u1ec7c n\u00e0y nh\u1eb1m \u0111\u1ea3m b\u1ea3o kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 t\u1eadn t\u00ecnh, \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m vay ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a m\u00ecnh. C\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y c\u00f2n th\u01b0\u1eddng tri\u1ec3n khai c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i v\u1ec1 l\u00e3i su\u1ea5t, mi\u1ec5n gi\u1ea3m ph\u00ed, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n t\u1ed1t nh\u1ea5t cho ng\u01b0\u1eddi vay ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n v\u1edbi chi ph\u00ed t\u1ed1i \u01b0u.<\/p>\n5.2 Nh\u01b0\u1ee3c \u0110i\u1ec3m<\/strong><\/span><\/h3>\nM\u1ee9c l\u00e3i su\u1ea5t c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng cao h\u01a1n so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. M\u1eb7c d\u00f9 vi\u1ec7c vay ti\u1ec1n c\u00f4ng ty t\u00e0i ch\u00ednh<\/strong> c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng, nhanh ch\u00f3ng h\u01a1n, nh\u01b0ng \u0111i k\u00e8m v\u1edbi \u0111\u00f3 l\u00e0 chi ph\u00ed v\u1ed1n kh\u00e1 cao. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 t\u1ea1o g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh kh\u00f4ng nh\u1ecf cho ng\u01b0\u1eddi vay trong d\u00e0i h\u1ea1n, \u0111\u1eb7c bi\u1ec7t khi h\u1ecd kh\u00f4ng t\u00ednh to\u00e1n k\u1ef9 kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a b\u1ea3n th\u00e2n tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh vay.<\/p>\nM\u1ed9t h\u1ea1n ch\u1ebf kh\u00e1c \u0111\u00e1ng quan t\u00e2m l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng th\u01b0\u1eddng ph\u1ee9c t\u1ea1p v\u00e0 c\u00f3 nhi\u1ec1u chi ph\u00ed ph\u00e1t sinh. Ngo\u00e0i l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c kho\u1ea3n ph\u00ed qu\u1ea3n l\u00fd, ph\u00ed b\u1ea3o hi\u1ec3m kho\u1ea3n vay, ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n ho\u1eb7c ph\u00ed ph\u1ea1t ch\u1eadm tr\u1ea3. Nh\u1eefng chi ph\u00ed n\u00e0y \u0111\u00f4i khi \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y b\u1eb1ng ng\u00f4n ng\u1eef chuy\u00ean m\u00f4n kh\u00f3 hi\u1ec3u, d\u1ec5 khi\u1ebfn kh\u00e1ch h\u00e0ng b\u1ecf qua ho\u1eb7c hi\u1ec3u nh\u1ea7m khi k\u00fd k\u1ebft.<\/p>\n
M\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb c\u00f3 ph\u01b0\u01a1ng th\u1ee9c thu h\u1ed3i n\u1ee3 g\u00e2y kh\u00f3 ch\u1ecbu nh\u01b0 g\u1ecdi \u0111i\u1ec7n li\u00ean t\u1ee5c ho\u1eb7c g\u00e2y \u00e1p l\u1ef1c v\u1edbi ng\u01b0\u1eddi th\u00e2n c\u1ee7a con n\u1ee3. Vi\u1ec7c ch\u1eadm tr\u1ea3 ho\u1eb7c kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 kh\u00f4ng ch\u1ec9 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng vay v\u1ed1n trong t\u01b0\u01a1ng lai m\u00e0 c\u00f2n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn c\u00e1c h\u1ec7 l\u1ee5y ph\u00e1p l\u00fd kh\u00f4ng mong mu\u1ed1n. N\u00f3 \u0111\u1eb7c bi\u1ec7t nghi\u00eam tr\u1ecdng khi ng\u01b0\u1eddi vay r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n do c\u00e1c bi\u1ebfn c\u1ed1 kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c.<\/p>\n
6. Quy \u0110\u1ecbnh Ph\u00e1p L\u00fd V\u1ec1 Ho\u1ea1t \u0110\u1ed9ng C\u1ee7a C\u00f4ng Ty T\u00e0i Ch\u00ednh<\/strong><\/span><\/h2>\nTheo quy \u0111\u1ecbnh t\u1ea1i M\u1ee5c 3 Ch\u01b0\u01a1ng IV c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010, c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 sau:<\/p>\n
6.1. Ho\u1ea1t \u0110\u1ed9ng Ng\u00e2n H\u00e0ng C\u1ee7a C\u00f4ng Ty T\u00e0i Ch\u00ednh<\/strong><\/span><\/h3>\n\n- C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng sau \u0111\u00e2y:\n
\n- Nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c;<\/li>\n
- Ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi, k\u1ef3 phi\u1ebfu, t\u00edn phi\u1ebfu, tr\u00e1i phi\u1ebfu \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a t\u1ed5 ch\u1ee9c;<\/li>\n
- Vay v\u1ed1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; vay Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc d\u01b0\u1edbi h\u00ecnh th\u1ee9c t\u00e1i c\u1ea5p v\u1ed1n theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam;<\/li>\n
- Cho vay, bao g\u1ed3m c\u1ea3 cho vay tr\u1ea3 g\u00f3p, cho vay ti\u00eau d\u00f9ng;<\/li>\n
- B\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng;<\/li>\n
- Chi\u1ebft kh\u1ea5u, t\u00e1i chi\u1ebft kh\u1ea5u c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng, c\u00e1c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c;<\/li>\n
- Ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng, bao thanh to\u00e1n, cho thu\u00ea t\u00e0i ch\u00ednh v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng kh\u00e1c sau khi \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ea5p thu\u1eadn.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
\n- Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00f4ng ty t\u00e0i ch\u00ednh th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng quy \u0111\u1ecbnh.<\/li>\n<\/ul>\n
6.2. M\u1edf T\u00e0i Kho\u1ea3n C\u1ee7a C\u00f4ng Ty T\u00e0i Ch\u00ednh<\/strong><\/span><\/h3>\n\n- C\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 nh\u1eadn ti\u1ec1n g\u1eedi ph\u1ea3i m\u1edf t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 duy tr\u00ec tr\u00ean t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi n\u00e0y s\u1ed1 d\u01b0 b\u00ecnh qu\u00e2n kh\u00f4ng th\u1ea5p h\u01a1n m\u1ee9c d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c.<\/li>\n
- C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/li>\n
- C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ngo\u1ea1i h\u1ed1i.<\/li>\n
- C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi, t\u00e0i kho\u1ea3n qu\u1ea3n l\u00fd ti\u1ec1n vay cho kh\u00e1ch h\u00e0ng.<\/li>\n<\/ul>\n
6.3. G\u00f3p V\u1ed1n, Mua C\u1ed5 Ph\u1ea7n C\u00f4ng Ty T\u00e0i Ch\u00ednh<\/strong><\/span><\/h3>\n\n- C\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 \u0111\u01b0\u1ee3c d\u00f9ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u00e0 qu\u1ef9 d\u1ef1 tr\u1eef \u0111\u1ec3 g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n theo quy \u0111\u1ecbnh.<\/li>\n
- C\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c g\u00f3p v\u1ed1n, mua c\u1ed5 ph\u1ea7n c\u1ee7a doanh nghi\u1ec7p, qu\u1ef9 \u0111\u1ea7u t\u01b0.<\/li>\n
- C\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp, mua l\u1ea1i c\u00f4ng ty con, c\u00f4ng ty li\u00ean k\u1ebft ho\u1ea1t \u0111\u1ed9ng trong c\u00e1c l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m, ch\u1ee9ng kho\u00e1n, qu\u1ea3n l\u00fd n\u1ee3 v\u00e0 khai th\u00e1c t\u00e0i s\u1ea3n sau khi \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ea5p thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n.<\/li>\n
- Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111i\u1ec1u ki\u1ec7n, h\u1ed3 s\u01a1, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c ch\u1ea5p thu\u1eadn vi\u1ec7c th\u00e0nh l\u1eadp c\u00f4ng ty con, c\u00f4ng ty li\u00ean k\u1ebft c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n
\u0110i\u1ec1u ki\u1ec7n, tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c th\u00e0nh l\u1eadp c\u00f4ng ty con, c\u00f4ng ty li\u00ean k\u1ebft c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan.<\/p>\n
6.4. C\u00e1c Ho\u1ea1t \u0110\u1ed9ng Kinh Doanh Kh\u00e1c C\u1ee7a C\u00f4ng Ty T\u00e0i Ch\u00ednh<\/strong><\/span><\/h3>\n\n- Ti\u1ebfp nh\u1eadn v\u1ed1n \u1ee7y th\u00e1c c\u1ee7a Ch\u00ednh ph\u1ee7, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c d\u1ef1 \u00e1n s\u1ea3n xu\u1ea5t, kinh doanh, c\u1ea5p t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p; \u1ee7y th\u00e1c v\u1ed1n cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng. Vi\u1ec7c ti\u1ebfp nh\u1eadn v\u1ed1n \u1ee7y th\u00e1c c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 \u1ee7y th\u00e1c v\u1ed1n cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea5p t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/li>\n
- Tham gia th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7.<\/li>\n
- Mua, b\u00e1n tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7, tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p.<\/li>\n
- B\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu Ch\u00ednh ph\u1ee7, tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p; \u0111\u1ea1i l\u00fd ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu, c\u1ed5 phi\u1ebfu v\u00e0 c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 kh\u00e1c.<\/li>\n
- Kinh doanh, cung \u1ee9ng d\u1ecbch v\u1ee5 ngo\u1ea1i h\u1ed1i theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/li>\n
- L\u00e0m \u0111\u1ea1i l\u00fd kinh doanh b\u1ea3o hi\u1ec3m.<\/li>\n
- Cung \u1ee9ng d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh, \u0111\u1ea7u t\u01b0.<\/li>\n
- Cung \u1ee9ng d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd, b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/li>\n<\/ul>\n
7. Danh S\u00e1ch C\u00e1c C\u00f4ng Ty T\u00e0i Ch\u00ednh \u1ede Vi\u1ec7t Nam<\/strong><\/span><\/h2>\nD\u01b0\u1edbi \u0111\u00e2y l\u00e0 danh s\u00e1ch c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u1edf Vi\u1ec7t Nam uy t\u00edn nh\u1ea5t:<\/p>\n
7.1 C\u00f4ng Ty Mirae Asset Vi\u1ec7t Nam<\/strong><\/span><\/h3>\nC\u00f4ng ty Mirae Asset Vi\u1ec7t Nam l\u00e0 m\u1ed9t \u0111\u01a1n v\u1ecb th\u00e0nh vi\u00ean c\u1ee7a t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u H\u00e0n Qu\u1ed1c – Mirae Asset. K\u1ec3 t\u1eeb khi ch\u00ednh th\u1ee9c gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam v\u00e0o n\u0103m 2011, doanh nghi\u1ec7p \u0111\u00e3 kh\u00f4ng ng\u1eebng kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf trong l\u0129nh v\u1ef1c cho vay t\u00e0i ch\u00ednh th\u00f4ng qua vi\u1ec7c cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh linh ho\u1ea1t, \u0111\u00e1p \u1ee9ng \u0111a d\u1ea1ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. D\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng kinh nghi\u1ec7m d\u00e0y d\u1eb7n c\u1ee7a t\u1eadp \u0111o\u00e0n m\u1eb9 v\u1edbi m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng r\u1ed9ng kh\u1eafp t\u1ea1i 16 qu\u1ed1c gia, Mirae Asset Vi\u1ec7t Nam \u0111\u00e3 x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c uy t\u00edn v\u1eefng ch\u1eafc nh\u1edd quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh chuy\u00ean nghi\u1ec7p c\u00f9ng ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 v\u01b0\u1ee3t tr\u1ed9i.<\/p>\n
C\u00f4ng Ty Mirae Asset Vi\u1ec7t Nam<\/center<\/center><\/figcaption><\/figure>\nC\u00f4ng ty c\u00f3 chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng th\u00f4ng qua vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1 v\u00e0o ho\u1ea1t \u0111\u1ed9ng kinh doanh. Mirae Asset Vi\u1ec7t Nam ti\u00ean phong trong vi\u1ec7c s\u1ed1 h\u00f3a quy tr\u00ecnh cho vay, t\u1eeb kh\u00e2u ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1 \u0111\u1ebfn gi\u1ea3i ng\u00e2n, gi\u00fap kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n m\u1ecdi l\u00fac m\u1ecdi n\u01a1i ch\u1ec9 v\u1edbi v\u00e0i thao t\u00e1c \u0111\u01a1n gi\u1ea3n tr\u00ean \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh. Doanh nghi\u1ec7p c\u00f2n ch\u00fa tr\u1ecdng \u0111\u1ea7u t\u01b0 v\u00e0o \u0111\u1ed9i ng\u0169 nh\u00e2n s\u1ef1 ch\u1ea5t l\u01b0\u1ee3ng cao v\u00e0 kh\u00f4ng ng\u1eebng c\u1ea3i ti\u1ebfn s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 nh\u1eb1m mang \u0111\u1ebfn tr\u1ea3i nghi\u1ec7m t\u00e0i ch\u00ednh th\u00f4ng minh, an to\u00e0n, thu\u1eadn ti\u1ec7n cho ng\u01b0\u1eddi d\u00f9ng Vi\u1ec7t Nam.<\/p>\n
\n- Tr\u1ee5 s\u1edf ch\u00ednh:T\u00f2a nh\u00e0 Mekong 91 Pasteur, Ph\u01b0\u1eddng B\u1ebfn Ngh\u00e9, Qu\u1eadn 1, TP.HCM.<\/li>\n
- V\u0103n ph\u00f2ng B\u00ecnh D\u01b0\u01a1ng: 230 \u0110\u1ea1i L\u1ed9 B\u00ecnh D\u01b0\u01a1ng, Ph\u01b0\u1eddng Ph\u00fa H\u00f2a, Th\u1ee7 D\u1ea7u M\u1ed9t, B\u00ecnh D\u01b0\u01a1ng.<\/li>\n<\/ul>\n
7.2 C\u00f4ng Ty T\u00e0i Ch\u00ednh Th\u01b0\u01a1ng M\u1ea1i ACS Vi\u1ec7t Nam<\/strong><\/span><\/h3>\nC\u00f4ng ty T\u00e0i ch\u00ednh Th\u01b0\u01a1ng m\u1ea1i ACS Vi\u1ec7t Nam l\u00e0 th\u00e0nh vi\u00ean c\u1ee7a AEON Group – t\u1eadp \u0111o\u00e0n b\u00e1n l\u1ebb h\u00e0ng \u0111\u1ea7u \u0111\u1ebfn t\u1eeb x\u1ee9 s\u1edf hoa anh \u0111\u00e0o. K\u1ec3 t\u1eeb khi ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng v\u00e0o n\u0103m 2008, ACS Vi\u1ec7t Nam \u0111\u00e3 kh\u00f4ng ng\u1eebng ph\u00e1t tri\u1ec3n v\u00e0 kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u1ea1i th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam. V\u1edbi th\u1ebf m\u1ea1nh v\u1ec1 m\u1ea3ng mua b\u00e1n tr\u1ea3 g\u00f3p c\u00e1c s\u1ea3n ph\u1ea9m \u0111i\u1ec7n m\u00e1y, \u0111i\u1ec7n t\u1eed, \u0111i\u1ec7n l\u1ea1nh, \u0111i\u1ec7n gia d\u1ee5ng, n\u1ed9i th\u1ea5t, c\u00f4ng ty \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m ch\u1ea5t l\u01b0\u1ee3ng th\u00f4ng qua h\u00ecnh th\u1ee9c thanh to\u00e1n linh ho\u1ea1t.<\/p>\n
Sau h\u01a1n 15 n\u0103m ho\u1ea1t \u0111\u1ed9ng, ACS Vi\u1ec7t Nam \u0111\u00e3 x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c m\u1ea1ng l\u01b0\u1edbi \u0111\u1ed1i t\u00e1c r\u1ed9ng kh\u1eafp tr\u00ean to\u00e0n qu\u1ed1c, mang \u0111\u1ebfn cho kh\u00e1ch h\u00e0ng nh\u1eefng tr\u1ea3i nghi\u1ec7m mua s\u1eafm thu\u1eadn ti\u1ec7n v\u00e0 \u0111\u00e1ng tin c\u1eady. \u0110i\u1ec3m \u0111\u1eb7c bi\u1ec7t c\u1ee7a doanh nghi\u1ec7p l\u00e0 quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 nhanh ch\u00f3ng, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n c\u00f9ng m\u1ee9c l\u00e3i su\u1ea5t h\u1ee3p l\u00fd. C\u00e1c g\u00f3i vay \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111a d\u1ea1ng, ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng kh\u00e1c nhau, t\u1eeb ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh \u0111\u1ebfn nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp khi\u00eam t\u1ed1n. V\u1edbi ph\u01b0\u01a1ng ch\u00e2m l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m tr\u1ecdng t\u00e2m, ACS Vi\u1ec7t Nam lu\u00f4n n\u1ed7 l\u1ef1c c\u1ea3i ti\u1ebfn d\u1ecbch v\u1ee5 v\u00e0 mang \u0111\u1ebfn nh\u1eefng gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh t\u1ed1i \u01b0u cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng Vi\u1ec7t Nam.<\/p>\n
\n- Tr\u1ee5 s\u1edf ch\u00ednh: T\u00f2a nh\u00e0 Vimedimex, 246 C\u1ed1ng Qu\u1ef3nh, Ph\u1ea1m Ng\u0169 L\u00e3o, Qu\u1eadn 1, TP.HCM.<\/li>\n
- Chi nh\u00e1nh H\u00e0 N\u1ed9i: T\u00f2a nh\u00e0 Mercury Building, 444 Ho\u00e0ng Hoa Th\u00e1m, Qu\u1eadn T\u00e2y H\u1ed3, H\u00e0 N\u1ed9i.<\/li>\n<\/ul>\n
7.3 C\u00f4ng Ty T\u00e0i ch\u00ednh C\u1ed5 ph\u1ea7n \u0110i\u1ec7n L\u1ef1c (EVNFinance)<\/strong><\/span><\/h3>\nC\u00f4ng ty T\u00e0i ch\u00ednh C\u1ed5 ph\u1ea7n \u0110i\u1ec7n l\u1ef1c (EVNFinance) l\u00e0 m\u1ed9t \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh chuy\u00ean nghi\u1ec7p \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0o n\u0103m 2008, \u0111\u00e1nh d\u1ea5u m\u1ed9t b\u01b0\u1edbc ti\u1ebfn quan tr\u1ecdng trong vi\u1ec7c qu\u1ea3n l\u00fd, ph\u00e1t tri\u1ec3n ngu\u1ed3n v\u1ed1n cho ng\u00e0nh \u0111i\u1ec7n Vi\u1ec7t Nam. V\u1edbi vai tr\u00f2 l\u00e0 \u0111\u01a1n v\u1ecb \u0111\u1ea7u m\u1ed1i qu\u1ea3n tr\u1ecb v\u1ed1n cho c\u00e1c d\u1ef1 \u00e1n thu\u1ed9c T\u1eadp \u0111o\u00e0n \u0110i\u1ec7n l\u1ef1c Vi\u1ec7t Nam (EVN), EVNFinance \u0111\u00e3 th\u1ec3 hi\u1ec7n n\u0103ng l\u1ef1c v\u01b0\u1ee3t tr\u1ed9i trong vi\u1ec7c huy \u0111\u1ed9ng, ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3. C\u00f4ng ty kh\u00f4ng ch\u1ec9 t\u1eadp trung v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i tr\u1ee3 v\u1ed1n cho l\u0129nh v\u1ef1c n\u0103ng l\u01b0\u1ee3ng m\u00e0 c\u00f2n m\u1edf r\u1ed9ng ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng sang nhi\u1ec1u ph\u00e2n kh\u00fac kh\u00e1c nh\u01b0 cho vay doanh nghi\u1ec7p v\u00e0 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/p>\n
C\u00f4ng Ty T\u00e0i ch\u00ednh C\u1ed5 ph\u1ea7n \u0110i\u1ec7n L\u1ef1c (EVNFinance)<\/center<\/center><\/figcaption><\/figure>\nSau h\u01a1n m\u1ed9t th\u1eadp k\u1ef7 ph\u00e1t tri\u1ec3n, EVNFinance \u0111\u00e3 kh\u1eb3ng \u0111\u1ecbnh \u0111\u01b0\u1ee3c v\u1ecb th\u1ebf c\u1ee7a m\u00ecnh trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh Vi\u1ec7t Nam th\u00f4ng qua vi\u1ec7c kh\u00f4ng ng\u1eebng \u0111\u1ed5i m\u1edbi, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5. V\u1edbi \u0111\u1ed9i ng\u0169 nh\u00e2n s\u1ef1 gi\u00e0u kinh nghi\u1ec7m c\u00f9ng h\u1ec7 th\u1ed1ng qu\u1ea3n tr\u1ecb hi\u1ec7n \u0111\u1ea1i, c\u00f4ng ty \u0111\u00e3 x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c danh m\u1ee5c s\u1ea3n ph\u1ea9m \u0111a d\u1ea1ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng kh\u00e1c nhau. Chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u1ee7a EVNFinance h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng c\u00f4ng ty t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u t\u1ea1i Vi\u1ec7t Nam, song song v\u1edbi vi\u1ec7c \u0111\u1ea3m b\u1ea3o an to\u00e0n, hi\u1ec7u qu\u1ea3 trong ho\u1ea1t \u0111\u1ed9ng kinh doanh.<\/p>\n
\n- Tr\u1ee5 s\u1edf ch\u00ednh: T\u00f2a nh\u00e0 EVN, S\u1ed1 11 C\u1eeda B\u1eafc, Qu\u1eadn Ba \u0110\u00ecnh, TP. H\u00e0 N\u1ed9i.<\/li>\n
- Chi nh\u00e1nh TP.HCM: T\u00f2a nh\u00e0 Sunwah Tower, 115 \u0110\u1ea1i l\u1ed9 Nguy\u1ec5n Hu\u1ec7, Ph\u01b0\u1eddng B\u1ebfn Ngh\u00e9, Qu\u1eadn 1, TP.HCM.<\/li>\n<\/ul>\n
7.4 C\u00f4ng Ty T\u00e0i Ch\u00ednh MB Shinsei (MCredit)<\/strong><\/span><\/h3>\nC\u00f4ng ty T\u00e0i ch\u00ednh MB Shinsei (MCredit) ra \u0111\u1eddi v\u00e0o n\u0103m 2016, \u0111\u00e1nh d\u1ea5u s\u1ef1 h\u1ee3p t\u00e1c chi\u1ebfn l\u01b0\u1ee3c gi\u1eefa Ng\u00e2n h\u00e0ng TMCP Qu\u00e2n \u0111\u1ed9i (MBBank) v\u00e0 \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u Nh\u1eadt B\u1ea3n – SBI Shinsei Bank. S\u1ef1 k\u1ebft h\u1ee3p n\u00e0y kh\u00f4ng ch\u1ec9 t\u1ea1o n\u00ean m\u1ed9t th\u01b0\u01a1ng hi\u1ec7u t\u00e0i ch\u00ednh v\u1eefng m\u1ea1nh m\u00e0 c\u00f2n mang \u0111\u1ebfn cho th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam nh\u1eefng gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i, \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh b\u1edfi c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn t\u1eeb \u0111\u1ea5t n\u01b0\u1edbc m\u1eb7t tr\u1eddi m\u1ecdc. V\u1edbi n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 s\u1ed1 xu\u1ea5t s\u1eafc c\u00f9ng quy tr\u00ecnh v\u1eadn h\u00e0nh chu\u1ea9n m\u1ef1c, MCredit \u0111\u00e3 v\u00e0 \u0111ang kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng h\u00e0ng \u0111\u1ea7u t\u1ea1i Vi\u1ec7t Nam.<\/p>\n
C\u00f4ng Ty T\u00e0i Ch\u00ednh MB Shinsei (MCredit)<\/center<\/center><\/figcaption><\/figure>\nTrong h\u00e0nh tr\u00ecnh ph\u00e1t tri\u1ec3n c\u1ee7a m\u00ecnh, MCredit kh\u00f4ng ng\u1eebng \u0111a d\u1ea1ng h\u00f3a c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ng\u00e0y c\u00e0ng cao c\u1ee7a kh\u00e1ch h\u00e0ng. Danh m\u1ee5c s\u1ea3n ph\u1ea9m c\u1ee7a c\u00f4ng ty bao g\u1ed3m c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh linh ho\u1ea1t nh\u01b0 cho vay ti\u1ec1n m\u1eb7t, cho vay tr\u1ea3 g\u00f3p v\u00e0 d\u1ecbch v\u1ee5 th\u1ebb t\u00edn d\u1ee5ng. \u0110\u1eb7c tr\u01b0ng trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a MCredit l\u00e0 quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh kho\u1ea3n vay \u0111\u01b0\u1ee3c t\u1ed1i \u01b0u h\u00f3a, mang l\u1ea1i tr\u1ea3i nghi\u1ec7m thu\u1eadn ti\u1ec7n cho kh\u00e1ch h\u00e0ng v\u1edbi th\u1eddi gian x\u1eed l\u00fd nhanh ch\u00f3ng. B\u00ean c\u1ea1nh \u0111\u00f3, ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t c\u1ea1nh tranh c\u00f9ng \u0111\u1ed9i ng\u0169 nh\u00e2n vi\u00ean chuy\u00ean nghi\u1ec7p \u0111\u00e3 gi\u00fap MCredit chi\u1ebfm \u0111\u01b0\u1ee3c ni\u1ec1m tin v\u00e0 tr\u1edf th\u00e0nh \u0111\u1ed1i t\u00e1c t\u00e0i ch\u00ednh tin c\u1eady c\u1ee7a h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam.<\/p>\n
\n- Tr\u1ee5 s\u1edf ch\u00ednh: T\u00f2a nh\u00e0 MB Bank, S\u1ed1 21 C\u00e1t Linh, Ph\u01b0\u1eddng C\u00e1t Linh, Qu\u1eadn \u0110\u1ed1ng \u0110a, H\u00e0 N\u1ed9i.<\/li>\n
- V\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n \u1edf TP.HCM: L\u1ea7u 9 T\u00f2a nh\u00e0 Scetpa, S\u1ed1 19A \u0110\u01b0\u1eddng C\u1ed9ng H\u00f2a, Qu\u1eadn T\u00e2n B\u00ecnh, TP.HCM.<\/li>\n<\/ul>\n
7.5 C\u00f4ng Ty T\u00e0i ch\u00ednh Lotte Vi\u1ec7t Nam<\/strong><\/span><\/h3>\nC\u00f4ng ty T\u00e0i ch\u00ednh Lotte Vi\u1ec7t Nam (Lotte Finance) l\u00e0 \u0111\u01a1n v\u1ecb th\u00e0nh vi\u00ean c\u1ee7a T\u1eadp \u0111o\u00e0n Lotte – m\u1ed9t trong nh\u1eefng t\u1eadp \u0111o\u00e0n kinh t\u1ebf h\u00e0ng \u0111\u1ea7u c\u1ee7a H\u00e0n Qu\u1ed1c v\u1edbi h\u1ec7 sinh th\u00e1i \u0111a d\u1ea1ng trong nhi\u1ec1u l\u0129nh v\u1ef1c nh\u01b0 th\u01b0\u01a1ng m\u1ea1i, d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 c\u00f4ng ngh\u1ec7. K\u1ec3 t\u1eeb khi ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam v\u00e0o th\u00e1ng 9\/2018, Lotte \u0111\u00e3 kh\u00f4ng ng\u1eebng ph\u00e1t tri\u1ec3n v\u00e0 kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf c\u1ee7a m\u00ecnh trong th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. C\u00f4ng ty \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn nh\u01b0 Big Data, FinTech v\u00e0o quy tr\u00ecnh v\u1eadn h\u00e0nh, gi\u00fap t\u1ed1i \u01b0u h\u00f3a tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng, n\u00e2ng cao hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd r\u1ee7i ro.<\/p>\n