{"id":11060,"date":"2019-12-03T10:05:23","date_gmt":"2019-12-03T03:05:23","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=11060"},"modified":"2022-03-04T10:07:35","modified_gmt":"2022-03-04T03:07:35","slug":"2-834-ngan-chan-nan-doi-no-kieu-khung-bo-thuc-hien-quy-dinh-co-kha-thi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-834-ngan-chan-nan-doi-no-kieu-khung-bo-thuc-hien-quy-dinh-co-kha-thi\/","title":{"rendered":"2.834. Ng\u0103n ch\u1eb7n n\u1ea1n \u0111\u00f2i n\u1ee3 ki\u1ec3u \u201ckh\u1ee7ng b\u1ed1\u201d: Th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh c\u00f3 kh\u1ea3 thi?"},"content":{"rendered":"
(DV) – Kh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, g\u1eedi th\u00f4ng tin v\u1ec1 vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3… \u0110\u00e2y l\u00e0 nh\u1eefng n\u1ed9i dung \u0111\u00e1ng ch\u00fa \u00fd t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 18\/2019 v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ban h\u00e0nh, s\u1eeda b\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 43\/2016 quy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC).<\/strong><\/div>\n
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D\u1eb9p n\u1ea1n \u0111\u00f2i n\u1ee3 \u201ckh\u1ee7ng b\u1ed1\u201d<\/strong><\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 18, CTTC ph\u1ea3i ni\u00eam y\u1ebft c\u00f4ng khai t\u1ea1i tr\u1ee5 s\u1edf ch\u00ednh, chi nh\u00e1nh, \u0111i\u1ec3m gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 v\u00e0 \u0111\u0103ng t\u1ea3i tr\u00ean trang th\u00f4ng tin \u0111i\u1ec7n t\u1eed c\u1ee7a CTTC khung l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng, c\u00e1c lo\u1ea1i ph\u00ed, ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i. CTTC ph\u1ea3i c\u00f3 c\u00e1c h\u00ecnh th\u1ee9c ti\u1ebfp nh\u1eadn g\u00f3p \u00fd, ph\u1ea3n \u00e1nh, khi\u1ebfu n\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng.<\/p>\n

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Nh\u00e2n vi\u00ean m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng v\u1ec1 kho\u1ea3n tay ti\u00eau d\u00f9ng \u00a0(\u1ea3nh minh h\u1ecda). \u1ea2nh:\u00a0T.L<\/p>\n

\u0110\u1ed3ng th\u1eddi, quy \u0111\u1ecbnh, bi\u1ec7n ph\u00e1p \u0111\u00f4n \u0111\u1ed1c, thu h\u1ed3i n\u1ee3 ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c th\u00f9 c\u1ee7a kh\u00e1ch h\u00e0ng, quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 kh\u00f4ng bao g\u1ed3m bi\u1ec7n ph\u00e1p \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Trong \u0111\u00f3, s\u1ed1 l\u1ea7n nh\u1eafc n\u1ee3 t\u1ed1i \u0111a 5 l\u1ea7n\/ng\u00e0y, h\u00ecnh th\u1ee9c nh\u1eafc n\u1ee3, th\u1eddi gian nh\u1eafc n\u1ee3 do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng nh\u01b0ng ph\u1ea3i trong kho\u1ea3ng th\u1eddi gian t\u1eeb 7 \u0111\u1ebfn 21 gi\u1edd.<\/p>\n

CTTC kh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, g\u1eedi th\u00f4ng tin v\u1ec1 vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho CTTC, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt…<\/p>\n

V\u1ec1 quy \u0111\u1ecbnh n\u00e0y, trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean B\u00e1o NTNN, gi\u1edbi ph\u00e2n t\u00edch v\u1ec1 t\u00e0i ch\u00ednh – ti\u1ec1n t\u1ec7 cho r\u1eb1ng, \u0111\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 quy \u0111\u1ecbnh ph\u00f9 h\u1ee3p v\u1edbi b\u1ed1i c\u1ea3nh \u201ccho vay th\u1ea3 ga, \u0111\u00f2i n\u1ee3 kh\u1ee7ng b\u1ed1\u201d di\u1ec5n ra trong th\u1eddi gian v\u1eeba qua m\u00e0 \u0111\u00e2y c\u00f2n l\u00e0 nh\u1eefng quy \u0111\u1ecbnh \u0111\u00e1p \u1ee9ng th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf.<\/p>\n

Th\u1ef1c t\u1ebf, trong th\u1eddi gian v\u1eeba qua, cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC trong n\u01b0\u1edbc di\u1ec5n ra ph\u1ee9c t\u1ea1p v\u00e0 ph\u00e1t sinh nhi\u1ec1u bi\u1ebfn t\u01b0\u1edbng ti\u00eau c\u1ef1c. \u0110\u1eb7c bi\u1ec7t, s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi than phi\u1ec1n b\u1ecb c\u00e1c CTTC “kh\u1ee7ng b\u1ed1” \u0111\u1ec3 \u0111\u00f2i n\u1ee3 r\u1ea5t nhi\u1ec1u. \u0110i\u1ec1u \u0111\u00e1ng n\u00f3i, kh\u00f4ng ri\u00eang g\u00ec c\u00e1c CTTC, ngay c\u1ea3 ng\u00e2n h\u00e0ng c\u0169ng v\u1eady. D\u00f9 r\u1eb1ng ng\u01b0\u1eddi vay c\u00f3 l\u1ed7i khi kh\u00f4ng thanh to\u00e1n \u0111\u00fang h\u1ea1n, nh\u01b0ng ng\u00e2n h\u00e0ng \u0111\u00f2i n\u1ee3 m\u1ed9t c\u00e1ch kh\u1ee7ng b\u1ed1, \u0111e d\u1ecda v\u00e0 tr\u1ea5n \u00e1p khi\u1ebfn cho ng\u01b0\u1eddi vay m\u1ea5t uy t\u00edn, \u1ea3nh h\u01b0\u1edfng c\u1ea3 \u0111\u1eddi s\u1ed1ng kinh t\u1ebf x\u00e3 h\u1ed9i.<\/p>\n\n\n\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh\u2008\u0110\u1ee9c cho r\u1eb1ng, v\u1ec1 c\u01a1 b\u1ea3n g\u00e1nh n\u1eb7ng v\u1eabn \u0111\u1eb7t tr\u00ean vai ng\u01b0\u1eddi d\u00e2n. Gi\u1ea3 s\u1eed CTTC c\u00f3 vi ph\u1ea1m, sai tr\u00e1i th\u00ec ng\u01b0\u1eddi d\u00e2n ph\u1ea3i quay phim ch\u1ee5p \u1ea3nh\u2026 \u0111\u1ec3 l\u00e0m b\u1eb1ng ch\u1ee9ng ch\u1ee9ng minh. L\u00fac \u0111\u00f3, ng\u01b0\u1eddi d\u00e2n m\u1edbi c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ch\u1ea5m d\u1ee9t, b\u1ed3i th\u01b0\u1eddng xin l\u1ed7i v\u00e0 x\u1eed ph\u1ea1t.\u00a0<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Kh\u00f4ng ch\u1ec9 \u0111e d\u1ecda, tr\u1ea5n \u00e1p con n\u1ee3, c\u00e1c CTTC c\u00f2n \u201ckh\u1ee7ng b\u1ed1\u201d… ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8 c\u1ee7a h\u1ecd. Nh\u1eefng ho\u1ea1t \u0111\u1ed9ng \u0111\u00f2i n\u1ee3 n\u00e0y kh\u00f4ng k\u1ec3 th\u1ee9 B\u1ea3y, Ch\u1ee7 nh\u1eadt; ng\u00e0y hay \u0111\u00eam. Trung b\u00ecnh nh\u1eefng ng\u01b0\u1eddi n\u00e0y ph\u1ea3i nh\u1eadn t\u1eeb 20 – 30 cu\u1ed9c, \u00edt nh\u1ea5t c\u0169ng 10 cu\u1ed9c g\u1ecdi\/ng\u00e0y t\u1eeb c\u00e1c CTTC khi\u1ebfn cho cu\u1ed9c s\u1ed1ng \u0111\u1ea3o l\u1ed9n b\u1edfi c\u00e1c cu\u1ed9c g\u1ecdi \u0111\u00f2i\u00a0 n\u1ee3 kh\u00f4ng ph\u1ea3i c\u1ee7a m\u00ecnh.<\/p>\n

Ch\u1ee7 m\u1ed9t doanh nghi\u1ec7p \u1edf TP.HCM ph\u1ea3i \u0111\u00f3ng c\u1eeda c\u00f4ng ty, kh\u00f4ng d\u00e1m v\u1ec1 nh\u00e0 v\u00ec b\u1ecb CTTC \u201ckh\u1ee7ng b\u1ed1\u201d b\u1eb1ng c\u00e1ch n\u00e9m g\u1ea1ch \u0111\u00e1, n\u1eb1m v\u1ea1 trong c\u00f4ng ty \u0111\u1ec3 \u0111\u00f2i n\u1ee3.\u00a0 Hay nh\u01b0 tr\u01b0\u1eddng h\u1ee3p c\u1ee7a ch\u1ecb Tr\u1ea7n V (B\u00ecnh Th\u1ea1nh, TP.HCM) c\u00f2n b\u1ecb m\u1ed9t CTTC cho ng\u01b0\u1eddi \u0111\u1ebfn \u0111\u00f2i n\u1ee3 ki\u1ec3u x\u00e3 h\u1ed9i \u0111en, \u0111\u00f2i ch\u00e9m, si\u1ebft \u0111\u1ed3 v\u00ec \u201cc\u1ee5c n\u1ee3\u201d… kh\u00f4ng ph\u1ea3i c\u1ee7a m\u00ecnh.<\/p>\n

\u0110\u1eb7t c\u00e2u h\u1ecfi v\u1ec1 t\u00ednh kh\u1ea3 thi?<\/strong><\/p>\n

\u0110\u00e1nh gi\u00e1 cao nh\u1eefng quy \u0111\u1ecbnh nh\u01b0 kh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, g\u1eedi th\u00f4ng tin v\u1ec1 vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c NHNN quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 18 ban h\u00e0nh m\u1edbi \u0111\u00e2y, song anh N.V.T (Ho\u00e0i \u0110\u1ee9c, H\u00e0 N\u1ed9i) – m\u1ed9t ng\u01b0\u1eddi t\u1eebng b\u1ecb \u0111e d\u1ecda \u0111\u00f2i n\u1ee3 c\u1ee7a m\u1ed9t CTTC tr\u00ean \u0111\u1ecba b\u00e0n v\u1eabn nghi ng\u1ea1i v\u1ec1 t\u00ednh th\u1ef1c t\u1ebf c\u1ee7a quy \u0111\u1ecbnh n\u00e0y.<\/p>\n

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Quy \u0111\u1ecbnh v\u1ec1 t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng\u00a0so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

Anh T cho r\u1eb1ng, nh\u1eefng ng\u01b0\u1eddi \u0111i vay nh\u01b0 anh l\u00e0 nh\u1eefng ng\u01b0\u1eddi y\u1ebfu th\u1ebf, vi\u1ec7c \u0111\u1ee9ng ra \u0111\u1ec3 t\u1ed1 c\u00e1o h\u00e0nh vi \u0111\u00f2i n\u1ee3 vi ph\u1ea1m quy \u0111\u1ecbnh l\u00e0 \u0111i\u1ec1u ch\u01b0a bao gi\u1edd anh ngh\u0129 \u0111\u1ebfn. Anh T lo s\u1ee3, vi\u1ec7c ki\u1ec7n c\u00e1o s\u1ebd m\u1ea5t th\u1eddi gian m\u00e0 kh\u00f4ng bi\u1ebft k\u1ebft qu\u1ea3 nh\u01b0 th\u1ebf n\u00e0o nh\u01b0ng c\u00f3 th\u1ec3 g\u00e2y nguy hi\u1ec3m \u0111\u1ebfn t\u00ednh m\u1ea1ng cho c\u1ea3 anh v\u00e0 nh\u1eefng ng\u01b0\u1eddi th\u00e2n.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00e2y, NHNN \u0111\u00e3 t\u1eebng l\u00ean ti\u1ebfng \u201cc\u1ea3nh b\u00e1o\u201d c\u00e1c ng\u00e2n h\u00e0ng, CTTC y\u00eau c\u1ea7u ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, trong \u0111\u00f3 nghi\u00eam c\u1ea5m h\u00e0nh vi \u0111\u00f2i n\u1ee3 ki\u1ec3u \u0111e d\u1ecda, kh\u1ee7ng b\u1ed1 kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, t\u1eeb \u0111\u00f3 \u0111\u1ebfn nay t\u00ecnh tr\u1ea1ng n\u00e0y v\u1eabn di\u1ec5n ra v\u00e0 c\u00e2u h\u1ecfi v\u1ec1 t\u00ednh kh\u1ea3 thi c\u1ee7a quy \u0111\u1ecbnh n\u00e0y l\u1ea1i m\u1ed9t l\u1ea7n n\u1eefa \u0111\u01b0\u1ee3c \u0111\u1eb7t ra.<\/p>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng, quy \u0111\u1ecbnh \u0111\u1ec3 \u201cvui\u201d l\u00e0 ch\u00ednh, c\u00f2n vi\u1ec7c th\u1ef1c thi c\u00f3 hi\u1ec7u qu\u1ea3 hay kh\u00f4ng th\u00ec kh\u00f4ng ch\u1ec9 ph\u1ee5 thu\u1ed9c v\u00e0o NHNN m\u00e0 c\u1ea7n s\u1ef1 v\u00e0o cu\u1ed9c c\u1ee7a c\u1ea3 h\u1ec7 th\u1ed1ng ch\u00ednh tr\u1ecb. \u201cKh\u00f4ng quy \u0111\u1ecbnh th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c, c\u00f2n n\u1ebfu quy \u0111\u1ecbnh m\u00e0 th\u1ef1c thi tri\u1ec3n khai nh\u01b0 th\u1ebf n\u00e0o th\u00ec vi\u1ec7c \u0111\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 c\u1ee7a NHNN m\u00e0 l\u00e0 c\u1ee7a ch\u00ednh quy\u1ec1n, c\u00f4ng an v\u00e0 ng\u01b0\u1eddi d\u00e2n\u2026 \u0110\u00e2y l\u00e0 b\u00e0i to\u00e1n kh\u00f3 trong th\u1ef1c thi ph\u00e1p lu\u1eadt – v\u1ea5n \u0111\u1ec1 m\u00e0 Vi\u1ec7t Nam lu\u00f4n ph\u1ea3i \u0111\u1ed1i m\u1eb7t. Tuy nhi\u00ean, c\u00f3 quy \u0111\u1ecbnh c\u00f2n h\u01a1n kh\u00f4ng\u201d – \u00f4ng \u0110\u1ee9c \u0111\u1ec1 c\u1eadp.<\/p>\n

V\u1ecb lu\u1eadt s\u01b0 c\u0169ng ch\u1ec9 ra r\u1eb1ng, v\u1ec1 c\u01a1 b\u1ea3n g\u00e1nh n\u1eb7ng v\u1eabn \u0111\u1eb7t tr\u00ean vai ng\u01b0\u1eddi d\u00e2n. Gi\u1ea3 s\u1eed CTTC c\u00f3 vi ph\u1ea1m, sai tr\u00e1i th\u00ec ng\u01b0\u1eddi d\u00e2n ph\u1ea3i quay phim ch\u1ee5p \u1ea3nh\u2026 \u0111\u1ec3 l\u00e0m b\u1eb1ng ch\u1ee9ng ch\u1ee9ng minh. L\u00fac \u0111\u00f3, ng\u01b0\u1eddi d\u00e2n m\u1edbi c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ch\u1ea5m d\u1ee9t, b\u1ed3i th\u01b0\u1eddng xin l\u1ed7i v\u00e0 x\u1eed ph\u1ea1t.<\/p>\n

C\u0169ng c\u00f3 quan \u0111i\u1ec3m cho r\u1eb1ng, d\u00f9 ch\u01b0a th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh t\u00ednh kh\u1ea3 thi c\u1ee7a Th\u00f4ng t\u01b0 18 nh\u01b0ng vi\u1ec7c \u0111\u01b0a ra quy \u0111\u1ecbnh l\u00e0 c\u1ea7n thi\u1ebft. \u201cTuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 hi\u1ec7n nay c\u1ee7a ch\u00fang ta l\u00e0 quy \u0111\u1ecbnh, lu\u1eadt l\u1ec7 nhi\u1ec1u nh\u01b0ng th\u1ef1c thi qu\u00e1 l\u1ecfng l\u1ebbo, x\u1eed l\u00fd kh\u00f4ng nghi\u00eam. D\u1eabn t\u1edbi t\u00ecnh tr\u1ea1ng nhi\u1ec1u quy \u0111\u1ecbnh nh\u01b0ng kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c. Khi n\u00e0o ch\u00fang ta gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y th\u00ec nh\u1eefng ch\u00ednh s\u00e1ch n\u00e0y m\u1edbi th\u1ef1c s\u1ef1 \u0111i v\u00e0o th\u1ef1c ti\u1ec5n\u201d – m\u1ed9t chuy\u00ean gia t\u00e0i ch\u00ednh khuy\u1ebfn ngh\u1ecb.<\/p>\n<\/div>\n<\/div>\n

L\u00ea Th\u00fay<\/strong><\/p>\n

——————<\/p>\n

D\u00e2n Vi\u1ec7t (Ph\u00e1p lu\u1eadt) 03-12-2019:<\/b><\/em><\/p>\n

Ng\u0103n ch\u1eb7n n\u1ea1n \u0111\u00f2i n\u1ee3 ki\u1ec3u \u201ckh\u1ee7ng b\u1ed1\u201d: Th\u1ef1c hi\u1ec7n quy \u0111\u1ecbnh c\u00f3 kh\u1ea3 thi? (danviet.vn)<\/a><\/p>\n

(336\/1.312)<\/em>","protected":false},"excerpt":{"rendered":"

(DV) – Kh\u00f4ng nh\u1eafc n\u1ee3, \u0111\u00f2i n\u1ee3, g\u1eedi th\u00f4ng tin v\u1ec1 vi\u1ec7c thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3… \u0110\u00e2y l\u00e0 nh\u1eefng n\u1ed9i dung \u0111\u00e1ng ch\u00fa \u00fd t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 18\/2019 v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ban h\u00e0nh, s\u1eeda b\u1ed5i, b\u1ed5 […]<\/p>\n","protected":false},"author":10,"featured_media":11065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-11060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.834. 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