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WorksheetsP2P Lending Assessment
Total questions: 10
Worksheet time: 5mins
Which operational model acts as a direct connector of lending and borrowing on a digital platform?
Customer funnel model
Pure P2P intermediary model
Private consulting registration model
Tied service model with embedded operations
Which group is primarily supported by P2P Lending as a tool for accessing financial resources?
Government management agencies
National economic conglomerates
Only foreign credit organizations
Vulnerable groups and small and medium enterprises
By SBV recognition in 2020, most P2P firms in Vietnam had what capital scale?
No registered capital at all
From 50 to 100 billion VND
Often under 1 billion VND or within 1–10 billion VND
Above 100 billion VND
How do digital ‘black credit’ schemes usually bypass civil interest rate caps?
Require settlement in foreign currency
Impose service fee structures such as appraisal and management
Route funds through credit institutions
Extend loan terms to many decades
How is P2P Lending currently classified under Vietnamese law?
Lacking specific regulation and not recognized as a credit institution
Regulated as an insurance business line
Covered by a dedicated adjustment framework
Listed among fully prohibited activities
Which document serves as a temporary coordination tool to flag potential banking-related violations tied to P2P?
National Security Law
Official Letter 5228/NHNN-CSTT
Decree on pawn business operations
Investment Law 2020
What conduct do credit institution laws explicitly forbid regarding P2P Lending?
Advertising financial applications online
Charging consulting service fees
Operating firms with capital under 1 billion VND
Non-credit entities conducting banking activities such as lending
What should credit institutions ensure when signing cooperation agreements with P2P companies, per SBV recommendations?
Transfer all legal risks onto the P2P company
Maintain transparency and disclose the true nature of the partnership
Keep absolute secrecy with partners and clients
Only partner with foreign joint-stock companies
What is the strategic purpose of building a Regulatory Sandbox for P2P Lending?
Completely remove domestic fintech companies
Convert P2P firms into traditional pawn shops
Build a transparent, safe market and complete the capital structure
Let firms freely set uncapped interest rates
Which cybersecurity risk can occur in P2P Lending operations?
Increase enterprise charter capital
Accelerate SBV licensing processes
Reduce government supervisory burden
Steal user data and run misleading promotions to capture funds
