Tín dụng đen giăng bẫy dân nghèo: Điểm tựa của người “khát” vốn

Trong tình huống cấp bách về tiền bạc, những người nghèo khó tiếp cận với ngân hàng nên buộc phải “nhắm mắt” vay nóng, trở thành con nợ “truyền kiếp” của các tổ chức tín dụng đen. Để giúp những người trong lúc túng quẫn, một số ngân hàng và các tổ chức tài chính, đoàn thể đã đưa ra nhiều chương trình cho vay lãi suất thấp hay ứng vốn giúp họ qua cơn ngặt nghèo.

“Phao” cho người đuối vốn

Bà Võ Kim Thoa, Phó Chủ tịch Hội Liên hiệp Phụ nữ (LHPN) TP Cần Thơ, cho biết hội đã xây dựng nhiều chương trình, dự án vay như quỹ hỗ trợ phụ nữ phát triển kinh tế, quỹ chị em tiết kiệm… giúp chị em số vốn nhỏ buôn bán, thoát nghèo… Mức vay từ 1 triệu đến hơn 10 triệu đồng. Lãi suất tùy theo dự án, chương trình vay. Có trường hợp lãi suất chỉ tượng trưng, chủ yếu thu phí để nhân viên cơ sở đi lại liên lạc, thu hồi vốn. Các chương trình, dự án khác thì hầu như phi lợi nhuận.

Tín dụng đen giăng bẫy dân nghèo: Điểm tựa của người khát vốn - Ảnh 1.

Phát vay cho công nhân KCX Tân Thuận. (Nguồn: CEP)

Quỹ hỗ trợ chị em phát triển kinh tế hoạt động cho vay theo mô hình nhóm. Chị em tự lập nhóm (khoảng 5 người trở lên) và cam kết bảo lãnh lẫn nhau trong việc trả nợ. Định kỳ họ tổ chức họp để thu hồi vốn, lãi; người vay vì lý do nào đó không trả được thì những người trong nhóm trả thay. Do đó, họ tự chọn người quen biết, có khả năng trả để vào chung nhóm. Thủ tục vay rất nhanh gọn, theo hình thức tín chấp.

Ngoài ra, từ năm 2010, chương trình “Bàn tay vàng” của hội đã triển khai thí điểm tại huyện Thới Lai, địa bàn có rất nhiều nông dân vay của tín dụng đen để giúp nguồn vốn cho các chị em gặp khó khăn. Đến nay, “Bàn tay vàng” đã nhân rộng, phủ khắp huyện, góp phần hạn chế tình trạng vay tín dụng đen. “Có người vay nóng chỉ vài triệu đồng nhưng trả hoài không hết. Hội luôn tạo điều kiện để chị em phụ nữ tiếp cận các nguồn vốn vay như thế này giúp họ tránh xa cho vay nặng lãi” – bà Thoa nói.

Theo ông Nguyễn Tấn Đạt, Phó Giám đốc Tổ chức Tài chính vi mô CEP (LĐLĐ TP HCM), qua khảo sát, những người nghèo, nhất là khi cần tiền đóng học phí cho con, đi bệnh viện… thường không thể tiếp cận các vốn vay chính thức từ ngân hàng, họ không còn lựa chọn phải vay tín dụng đen. Đồng hành với người lao động nghèo, CEP tham gia góp phần giảm nghèo trong công nhân lao động bằng dịch vụ tài chính vi mô, tín dụng, tiết kiệm và các hoạt động phát triển cộng đồng. Cách hoạt động của CEP là chủ động tiếp cận thành viên, đến từng hộ tìm hiểu khó khăn, nhu cầu vay vốn và tư vấn vay (với mức lãi suất 0,6% – 0,65%/tháng). Chính cách làm này của CEP đã góp phần vào việc giảm nghèo và đẩy lùi một phần tín dụng đen ra khỏi cộng đồng. Mặt khác, CEP luôn khuyến khích thành viên gửi tiết kiệm dù khoản gửi mỗi lần chỉ vài chục đến vài trăm ngàn đồng nhưng các thành viên sẽ có một khoản tiền trong những trường hợp cấp thiết, không cần phải tìm đến các đối tượng vay nặng lãi. Với những thành viên gặp phải rủi ro trong quá trình vay vốn như hỏa hoạn hay tai nạn…, CEP sẽ hỗ trợ bằng cách cung cấp một khoản vay với lãi suất thấp nhất (0,5% tháng).

“Cách giảm thiểu tình trạng người nghèo phải vay nặng lãi, bên cạnh việc tuyên truyền để bà con hiểu được hậu quả thì chính quyền địa phương phải nắm rõ hoàn cảnh từng người dân, giúp họ tiếp cận những nguồn vốn vay có lãi suất thấp và khuyến khích người dân, kể cả những người nghèo nhất gửi tiết kiệm để đề phòng rủi ro” – ông Đạt đề xuất.

Ngân hàng cũng “đặt cược”

Đại diện một ngân hàng ở TP Nha Trang, tỉnh Khánh Hòa, cho biết hiện nay, nhu cầu vay vốn ở mức vừa và nhỏ rất lớn nên đây là mảnh đất dồi dào cho các tiệm cầm đồ, vay nóng, vay trả góp hoạt động. Các ngân hàng cũng “chú ý” đến thị trường này bằng cách lập các thẻ tín dụng cho phép “tiêu trước trả sau”, chỉ tính lãi sau 45 ngày. Bên cạnh đó, nhiều công ty tài chính ra đời như H.C cho vay tiền mặt tới 40 triệu đồng, lãi suất chỉ từ 1,66%/tháng với điều kiện đơn giản như CMND, giấy phép lái xe, hộ khẩu.

Một công ty khác như V.T.A.Z cam kết cho khách hàng vay 1-10 triệu thì chỉ cần CMND; có CMND và hộ khẩu được vay đến 30 triệu đồng; có CMND, sổ hộ khẩu, giấy đăng ký xe có thể vay 50 triệu đồng… Lãi suất từ 0,8%/tháng nếu khách hàng sử dụng tài sản cá nhân để bảo đảm khoản vay hoặc 1,8%/tháng nếu khách hàng vay tín chấp.

Theo ông Phan Ngọc Kính, Giám đốc Ngân hàng TMCP Ngoại Thương (Vietcombank) Chi nhánh TP Nha Trang, nhiều ngân hàng còn thành lập các công ty tài chính để cho vay nóng, vay không thế chấp… Ở kênh này, người vay có thể yên tâm hơn vì các hoạt động của các công ty tài chính đều phải tuân thủ theo đúng pháp luật. Bên cạnh đó, một số ngân hàng cũng liên kết với hộ kinh doanh theo hình thức “đặt cược” giấy phép kinh doanh của các hộ này để cấp số vốn khoảng 100 triệu đồng/mỗi giấy phép để các hộ này cho vay lấy lãi.

Về mô hình rót vốn các cá nhân tự đứng ra cho vay, tại sao ngân hàng với tiềm lực và uy tín về tư cách pháp nhân, không tham gia hết để bảo đảm xóa sổ “cho vay nặng lãi”? Ông Kính lý giải hoạt động của ngân hàng tùy theo chính sách, chủ trương, đối tượng, mức độ tin cậy thì mới có những gói vay tương ứng. Mặt khác, việc xử lý nợ đòi hỏi phải theo dõi chặt chẽ, đốc thúc nếu khách hàng chậm trả nợ. Điều này không đơn giản vì ngân hàng không đủ nhân lực. “Thực tế chỉ có xóm giềng quen biết, tiểu thương kinh doanh với nhau hoặc cho vay những khoản tiền nhỏ thì mới có thể đi thu tiền góp hằng ngày” – ông Kính nêu.

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