PHÁP LUẬT VỀ CHO VAY TIÊU DÙNG VÀ THỰC TIỄN ÁP DỤNG TẠI CÁC NGÂN HÀNG THƯƠNG MẠI TẠI VIỆT NAM=Law on consumer lending and the practice of application at commercial banks in Vietnam

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Tác giả: Ngô Xuân Lộc, Nam Bùi Thế

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Khoa học Phát triển nhân lực, 2024

Mô tả vật lý: tr.110

Bộ sưu tập: Metadata

ID: 481938

Thêm vào giỏ

Bài viết phân tích và làm rõ khái niệm, đặc điểm, loại hình, vai trò cho vay tiêu dùng tại các ngân hàng thương mại
khái niệm, đặc điểm pháp luật đối với hoạt động cho vay tiêu dùng tại các ngân hàng thương mại. Đồng thời, bài viết cũng làm rõ các nội dung cơ bản của pháp luật điều chỉnh hoạt động cho vay tiêu dùng tại các ngân hàng thương mại gồm khái niệm, đặc điểm, nội dung pháp luật điều chỉnh
kinh nghiệm pháp luật củamột số quốc gia quy định về lãi suất trần cho vay tín dụng như Nhật Bản, Trung Quốc, Anh Quốc. Qua đó, người viết trình bày kiến nghị, giải pháp nhằm hoàn thiện pháp luật và nâng cao hiệu quả áp dụng pháp luật về cho vay tiêu dùng tại các ngân hàng thương mại, bao gồm: hoàn thiện pháp luật phải phù hợp với chủ trương, chính sách về phát triển hoạt động tín dụng tiêu dùng
hoàn thiện pháp luật hướng đến bảo vệ quyền và lợi ích của các bên trong hoạt động cho vay tiêu dùng
ban hành thông tư quyết định hướng dẫn về hoạt động cho vay tiêu dùng của ngân hàng thương mại
hoàn thiện quyết định về lãi suất cho vay tiêu dùng
bổ sung quyết định về hạn mức cho vay tiêu dùng.The article analyzes and clarifies the concept, characteristics, types, and roles of consumer lending at commercial banks
legal concepts and characteristics of consumer lending activities at commercial banks. At the same time, the article clarifies the basic contents of the law regulating consumer lending activities at commercial banks including concepts, characteristics, and content of the governing law, and experience of some countries such as Japan, China, and the United Kingdom on regulating ceiling interest rates for credit loans. Thereby, the writer presents recommendations and solutions to improving the law and the effectiveness of applying the law on consumer lending at commercial banks, including perfecting the law on the principle of protecting the rights and interests of parties involved in consumer lending activities, promulgating circulars and decisions giving guidance on consumer lending activities at commercial banks,finalizing decisions on consumer loan interest rates, and supplementing decisions on consumer loan limits.

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