{"id":5032,"date":"2024-02-22T10:53:06","date_gmt":"2024-02-22T03:53:06","guid":{"rendered":"https:\/\/vaynhanhonline.com.vn\/?p=5032"},"modified":"2024-02-22T11:21:47","modified_gmt":"2024-02-22T04:21:47","slug":"cic-la-gi","status":"publish","type":"post","link":"https:\/\/vaynhanhonline.com.vn\/cic-la-gi\/","title":{"rendered":"CIC L\u00e0 G\u00ec? T\u1eebng B\u01b0\u1edbc Ki\u1ec3m Tra CIC M\u1edbi Nh\u1ea5t"},"content":{"rendered":"

CIC L\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn trong ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 th\u1ec3 th\u01b0\u1eddng xuy\u00ean nghe nh\u01b0ng ch\u01b0a th\u1ef1c s\u1ef1 hi\u1ec3u CIC l\u00e0 g\u00ec<\/strong>. \u0110\u1ec3 hi\u1ec3u r\u00f5 kh\u00e1i ni\u1ec7m CIC l\u00e0 g\u00ec, b\u1ea1n \u0111\u1ecdc c\u00f3 th\u1ec3 c\u00f9ng vaynhanhonline t\u00ecm hi\u1ec3u chi ti\u1ebft qua b\u00e0i vi\u1ebft sau.<\/span><\/em><\/p>\n

CIC l\u00e0 g\u00ec?<\/span><\/h2>\n
\"CIC
CIC l\u00e0 g\u00ec?<\/figcaption><\/figure>\n

CIC l\u00e0 t\u00ean vi\u1ebft t\u1eaft c\u1ee7a c\u1ee5m t\u1eeb ti\u1ebfng Anh Credit Information Center<\/strong> – Trung t\u00e2m th\u00f4ng tin t\u00edn d\u1ee5ng. \u0110\u00e2y l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c thu\u1ed9c qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam. CIC l\u00e0 n\u01a1i l\u01b0u tr\u1eef thu th\u1eadp, ph\u00e2n t\u00edch v\u00e0 x\u1eed l\u00fd th\u00f4ng tin \u0111\u1ec3 \u0111\u01b0a ra nh\u1eefng d\u1ef1 b\u00e1o v\u1ec1 th\u00f4ng tin t\u00edn d\u1ee5ng d\u00e0nh cho c\u00e1c t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p ho\u1eb7c c\u00e1 nh\u00e2n.\u00a0<\/span><\/p>\n

Nh\u1eefng th\u00f4ng tin \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef t\u1ea1i CIC l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tham kh\u1ea3o l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi vay.T\u1eeb \u0111\u00f3 \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh cho vay h\u1ee3p l\u00fd.\u00a0<\/span><\/p>\n

C\u00e1ch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a CIC nh\u01b0 th\u1ebf n\u00e0o?<\/span><\/h2>\n

CIC ho\u1ea1t \u0111\u1ed9ng b\u1eb1ng c\u00e1ch ti\u1ebfp nh\u1eadn th\u00f4ng tin chi ti\u1ebft v\u1ec1 c\u00e1c kho\u1ea3n vay, th\u00f4ng tin ng\u01b0\u1eddi vay, \u0111\u01a1n v\u1ecb cho vay, s\u1ed1 ti\u1ec1n vay v\u00e0 th\u1eddi h\u1ea1n, qu\u00e1 tr\u00ecnh thanh to\u00e1n ti\u1ec1n vay t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00e1c ng\u00e2n h\u00e0ng g\u1eedi v\u1ec1.\u00a0<\/span><\/p>\n

Sau khi nh\u1eadn \u0111\u01b0\u1ee3c nh\u1eefng th\u00f4ng tin n\u00e0y, CIC s\u1ebd c\u1eadp nh\u1eadt v\u00e0 t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u th\u01b0\u1eddng xuy\u00ean \u0111\u1ec3 cung c\u1ea5p cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng CIC n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a t\u1eebng doanh nghi\u1ec7p, t\u1ed5 ch\u1ee9c ho\u1eb7c c\u00e1 nh\u00e2n.<\/span><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh<\/a> c\u00f3 th\u1ec3 c\u0103n c\u1ee9 v\u00e0o nh\u1eefng th\u00f4ng tin l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ea1i CIC c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1ed5 ch\u1ee9c ho\u1eb7c doanh nghi\u1ec7p \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh c\u00f3 cho vay ti\u1ec1n hay kh\u00f4ng.<\/span><\/p>\n

L\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c CIC chia th\u00e0nh 5 nh\u00f3m kh\u00e1c nhau.<\/span><\/p>\n

\"N\u1ee3
N\u1ee3 x\u1ea5u t\u1ea1i CIC<\/figcaption><\/figure>\n

Nh\u00f3m 1: Nh\u00f3m n\u1ee3 \u0111\u1ee7 ti\u00eau chu\u1ea9n<\/span><\/h3>\n

\u0110\u00e2y l\u00e0 nh\u1eefng kho\u1ea3n n\u1ee3 c\u00f3 th\u1eddi gian tr\u1ec5 h\u1ea1n thanh to\u00e1n t\u1eeb 1 – 10 ng\u00e0y v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i v\u1ed1n cao. Nh\u1eefng kho\u1ea3n n\u1ee3 thu\u1ed9c nh\u00f3m 1 s\u1ebd b\u1ecb ph\u1ea1t l\u00e3i su\u1ea5t<\/span><\/p>\n

Nh\u00f3m 2: Nh\u00f3m n\u1ee3 ch\u00fa \u00fd<\/span><\/h3>\n

Nh\u00f3m n\u1ee3 n\u00e0y c\u00f3 th\u1eddi gian tr\u1ec5 h\u1ea1n thanh to\u00e1n t\u1eeb 10 – 90 ng\u00e0y. Nh\u1eefng kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u1ea7n \u0111\u1ea7u ti\u00ean<\/span><\/p>\n

Nh\u00f3m 3: Nh\u00f3m n\u1ee3 d\u01b0\u1edbi ti\u00eau chu\u1ea9n<\/span><\/h3>\n

Nh\u00f3m n\u1ee3 n\u00e0y l\u00e0 nh\u00f3m c\u00f3 kh\u1ea3 n\u0103ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, ti\u1ec1n l\u00e3i theo h\u1ee3p \u0111\u1ed3ng cho vay. Th\u1eddi gian tr\u1ec5 h\u1ea1n thanh to\u00e1n t\u1eeb 91 – 180 ng\u00e0y<\/span><\/p>\n

Nh\u00f3m 4: Nh\u00f3m n\u1ee3 nghi ng\u1edd<\/span><\/h3>\n

L\u00e0 nh\u00f3m n\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c gia h\u1ea1n th\u1eddi gian thanh to\u00e1n l\u1ea7n th\u1ee9 2. Th\u1eddi gian thanh to\u00e1n ch\u1eadm tr\u1ec5 l\u00e0 t\u1eeb 181 – 360 ng\u00e0y. Nh\u1eefng kh\u00e1ch h\u00e0ng r\u01a1i v\u00e0o nh\u00f3m n\u1ee3 n\u00e0y c\u00f3 th\u1ec3 b\u1ecb t\u1ecbch thu t\u00e0i s\u1ea3n<\/span><\/p>\n

Nh\u00f3m 5: Nh\u00f3m n\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n cao<\/span><\/h3>\n

\u0110\u00e2y l\u00e0 nh\u00f3m n\u1ee3 x\u1ea5u<\/a> nh\u1ea5t v\u1edbi th\u1eddi gian tr\u1ec5 h\u1ea1n thanh to\u00e1n tr\u00ean 360 ng\u00e0y \u0111\u00e3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi gian tr\u1ea3 n\u1ee3 3 l\u1ea7n.<\/span><\/p>\n

H\u01b0\u1edbng d\u1eabn c\u00e1ch ki\u1ec3m tra CIC m\u1edbi nh\u1ea5t\u00a0<\/span><\/h2>\n
\"C\u00e1ch
C\u00e1ch ki\u1ec3m tra CIC m\u1edbi nh\u1ea5t<\/figcaption><\/figure>\n

Kh\u00e1ch c\u00f3 nhu c\u1ea7u ki\u1ec3m tra n\u1ee3 x\u1ea5u tr\u00ean CIC<\/strong> c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n theo m\u1ed9t s\u1ed1 c\u00e1ch d\u01b0\u1edbi \u0111\u00e2y:<\/span><\/p>\n

Ki\u1ec3m tra CIC online qua website<\/span><\/h3>\n

\u0110\u1ec3 ki\u1ec3m tra CIC online<\/strong> qua website, b\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n theo c\u00e1c b\u01b0\u1edbc sau:<\/span><\/p>\n