{"id":17765,"date":"2016-11-03T16:04:26","date_gmt":"2016-11-03T09:04:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=17765"},"modified":"2024-10-27T07:17:16","modified_gmt":"2024-10-27T00:17:16","slug":"1-415-cho-vay-nong-qua-the-tin-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/","title":{"rendered":"1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng"},"content":{"rendered":"(ND) – Sau v\u1ee5 vi\u1ec7c qu\u1eb9t th\u1ebb t\u1ea1i m\u1ed9t nh\u00e0 h\u00e0ng m\u1ea5t 700 tri\u1ec7u \u0111\u1ed3ng g\u00e2y x\u00f4n xao d\u01b0 lu\u1eadn, m\u1edbi \u0111\u00e2y, l\u1ea1i xu\u1ea5t hi\u1ec7n hi\u1ec7n t\u01b0\u1ee3ng ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng c\u1ea5u k\u1ebft r\u00fat ti\u1ec1n ngay t\u1ea1i \u0111i\u1ec3m ch\u1ea5p nh\u1eadn thanh to\u00e1n th\u1ebb ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ea1i c\u00e1c m\u00e1y ATM. H\u00e0nh vi n\u00e0y c\u1ee7a c\u00e1c ch\u1ee7 th\u1ebb nh\u1eb1m qua m\u1eb7t ng\u00e2n h\u00e0ng (NH), tr\u1ed1n ph\u00ed r\u00fat ti\u1ec1n m\u1eb7t, c\u00f2n c\u00e1c \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb \u0111\u00e3 l\u1ee3i d\u1ee5ng m\u00e1y qu\u1eb9t th\u1ebb \u0111\u1ec3 chi\u1ebfm d\u1ee5ng v\u1ed1n NH. H\u00e0nh vi n\u00e0y m\u1ed9t l\u1ea7n n\u1eefa c\u1ea3nh b\u00e1o r\u1ee7i ro c\u00f3 th\u1ec3 ph\u00e1t sinh t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng th\u1ebb c\u1ee7a NH, c\u00f3 nguy c\u01a1 l\u00e0m m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/strong><\/p>\n

\"\"<\/p>\n

Kh\u00e1ch h\u00e0ng giao d\u1ecbch t\u1ea1i Ng\u00e2n h\u00e0ng Qu\u1ed1c t\u1ebf VIB. \u1ea2nh: KH\u00c1NH AN<\/em><\/p>\n

Vay \u201cn\u00f3ng\u201d t\u1eeb th\u1ebb t\u00edn d\u1ee5ng<\/strong><\/h4>\n

Theo t\u00ecm hi\u1ec3u c\u1ee7a ph\u00f3ng vi\u00ean, th\u1eddi gian qua x\u1ea3y ra t\u00ecnh tr\u1ea1ng khi c\u1ea7n ti\u1ec1n g\u1ea5p, ch\u1ee7 th\u1ebb c\u00f3 th\u1ec3 qu\u1eb9t th\u1ebb t\u00edn d\u1ee5ng t\u1ea1i c\u00e1c m\u00e1y POS (\u0111i\u1ec3m ch\u1ea5p nh\u1eadn thanh to\u00e1n th\u1ebb t\u00edn d\u1ee5ng) c\u1ee7a c\u00e1c c\u1eeda h\u00e0ng l\u00e0 c\u00f3 ngay ti\u1ec1n m\u1eb7t v\u1edbi m\u1ee9c ph\u00ed ch\u1ec9 b\u1eb1ng m\u1ed9t n\u1eeda ho\u1eb7c nh\u1ecf h\u01a1n so v\u1edbi ph\u00ed r\u00fat ti\u1ec1n t\u1ea1i ATM. C\u1ee5 th\u1ec3, sau khi qu\u1eb9t th\u1ebb qua POS, ng\u01b0\u1eddi qu\u1eb9t th\u1ebb (ch\u1ee7 c\u1eeda h\u00e0ng ho\u1eb7c nh\u00e2n vi\u00ean n\u01a1i l\u1eafp \u0111\u1eb7t m\u00e1y POS) s\u1ebd \u0111\u01b0a ngay ti\u1ec1n m\u1eb7t cho ch\u1ee7 th\u1ebb v\u00e0 thu th\u00eam ph\u00ed d\u1ecbch v\u1ee5 t\u1eeb 1,5% \u0111\u1ebfn 2,5% t\u1ed5ng s\u1ed1 ti\u1ec1n (trong khi ph\u00ed r\u00fat ti\u1ec1n c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng t\u1ea1i c\u00e1c m\u00e1y ATM th\u00f4ng th\u01b0\u1eddng l\u00e0 4% t\u1ed5ng s\u1ed1 ti\u1ec1n r\u00fat). \u0110i\u1ec1u \u0111\u00e1ng lo ng\u1ea1i l\u00e0 ng\u01b0\u1eddi r\u00fat ti\u1ec1n c\u00f3 th\u1ec3 r\u00fat to\u00e0n b\u1ed9 h\u1ea1n m\u1ee9c th\u1ebb (c\u00f3 th\u1ebb l\u00ean \u0111\u1ebfn h\u01a1n 1 t\u1ef7 \u0111\u1ed3ng), \u0111\u01b0\u1ee3c mi\u1ec5n l\u00e3i su\u1ea5t trong 45 ng\u00e0y,… Gi\u1ea3n ti\u1ec7n h\u01a1n, d\u1ecbch v\u1ee5 \u201cvay n\u00f3ng\u201d c\u00f2n \u0111\u1ebfn t\u1eadn n\u01a1i kh\u00e1ch h\u00e0ng c\u1ea7n. Ch\u1ec9 c\u1ea7n m\u1ed9t ba-l\u00f4 \u0111\u1ef1ng ti\u1ec1n m\u1eb7t v\u00e0 m\u00e1y qu\u1eb9t th\u1ebb, t\u1ee9c kh\u1eafc c\u00f3 m\u1ed9t \u201cng\u00e2n h\u00e0ng di \u0111\u1ed9ng\u201d s\u1eb5n s\u00e0ng cho kh\u00e1ch h\u00e0ng vay n\u00f3ng.<\/p>\n

\u0110\u00e1nh gi\u00e1 v\u1ec1 h\u00e0nh vi n\u00eau tr\u00ean, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c kh\u1eb3ng \u0111\u1ecbnh: C\u1ea3 ch\u1ee7 th\u1ebb v\u00e0 ng\u01b0\u1eddi qu\u1eb9t th\u1ebb \u0111\u00e3 vi ph\u1ea1m ph\u00e1p lu\u1eadt. Theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), khi mua h\u00e0ng h\u00f3a, ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p s\u1eed d\u1ee5ng th\u1ebb \u0111\u1ec3 thanh to\u00e1n mua h\u00e0ng ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c r\u00fat ti\u1ec1n m\u1eb7t. V\u1ec1 ph\u00eda ng\u01b0\u1eddi qu\u1eb9t th\u1ebb, quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u0169ng ch\u1ec9 cho ph\u00e9p h\u1ecd \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn qu\u1eb9t th\u1ebb c\u1ee7a ng\u01b0\u1eddi mua h\u00e0ng c\u00f3 nhu c\u1ea7u thanh to\u00e1n h\u00e0ng h\u00f3a b\u1eb1ng th\u1ebb. T\u00f3m l\u1ea1i, c\u1ea3 ch\u1ee7 th\u1ebb l\u1eabn ng\u01b0\u1eddi qu\u1eb9t th\u1ebb \u0111\u1ec1u kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p r\u00fat ti\u1ec1n m\u1eb7t b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng.<\/em><\/p>\n

Theo c\u00e1c chuy\u00ean gia, v\u00ec t\u1ea5t c\u1ea3 c\u00e1c b\u00ean \u0111\u1ec1u c\u00f3 l\u1ee3i, cho n\u00ean d\u1ecbch v\u1ee5 \u201ccho vay\u201d t\u1eeb th\u1ebb t\u00edn d\u1ee5ng v\u1eabn ngang nhi\u00ean ho\u1ea1t \u0111\u1ed9ng, b\u1ea5t ch\u1ea5p \u0111\u00e2y l\u00e0 h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt. C\u00f3 th\u1ec3 th\u1ea5y nh\u1eefng l\u1ee3i \u00edch c\u00e1c b\u00ean \u0111\u01b0\u1ee3c h\u01b0\u1edfng: \u0111\u00f3 l\u00e0 chi ph\u00ed r\u00fat ti\u1ec1n qua ng\u01b0\u1eddi qu\u1eb9t th\u1ebb kh\u00e1 th\u1ea5p (ph\u00ed ch\u1ec9 1,5% \u0111\u1ebfn 2,5% trong khi ph\u00ed r\u00fat ti\u1ec1n m\u1eb7t t\u1eeb ATM r\u1ea5t cao, t\u1eeb 4% \u0111\u1ebfn 5% t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch). Ch\u01b0a k\u1ec3, v\u1edbi s\u1ed1 ti\u1ec1n r\u00fat \u0111\u01b0\u1ee3c, ch\u1ee7 th\u1ebb c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng v\u1edbi nhi\u1ec1u m\u1ee5c \u0111\u00edch m\u00e0 kh\u00f4ng b\u1ecb NH ki\u1ec3m so\u00e1t. V\u1edbi s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c r\u00fat ra theo h\u00ecnh th\u1ee9c n\u00eau tr\u00ean, ch\u1ee7 th\u1ebb c\u00f3 th\u1ec3 ch\u1eadm thanh to\u00e1n ti\u1ec1n t\u1eeb 30 \u0111\u1ebfn 45 ng\u00e0y m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 l\u00e3i. Th\u1eadm ch\u00ed c\u00f3 n\u01a1i, kh\u00e1ch h\u00e0ng d\u00f9ng th\u1ebb thanh to\u00e1n c\u00f2n \u0111\u01b0\u1ee3c gi\u1ea3m ph\u00ed. C\u00f2n v\u1ec1 ph\u00eda ng\u01b0\u1eddi b\u00e1n h\u00e0ng, khi qu\u1eb9t th\u1ebb c\u0169ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i \u201ck\u00e9p\u201d: ngay l\u1eadp t\u1ee9c \u0111\u01b0\u1ee3c h\u01b0\u1edfng ph\u00ed ch\u00eanh l\u1ec7ch 1,5% \u0111\u1ebfn 2,5%\/t\u1ed5ng s\u1ed1 ti\u1ec1n vay. Ngo\u00e0i ra, ph\u00eda ng\u00e2n h\u00e0ng c\u0169ng thu \u0111\u01b0\u1ee3c ph\u00ed t\u1eeb 0,8 \u0111\u1ebfn 1,6% cho m\u1ed7i l\u1ea7n qu\u1eb9t th\u1ebb n\u00ean th\u01b0\u1eddng c\u00f3 c\u01a1 ch\u1ebf \u01b0u \u0111\u00e3i cho c\u00e1c \u0111i\u1ec3m ch\u1ea5p nh\u1eadn th\u1ebb doanh thu l\u1edbn.<\/p>\n

Nh\u00ecn nh\u1eadn s\u1ef1 vi\u1ec7c n\u00e0y, Lu\u1eadt s\u01b0 \u0110\u1ee9c c\u0169ng cho r\u1eb1ng, c\u00f3 v\u1ea5n \u0111\u1ec1 gian l\u1eadn thu\u1ebf, h\u00f3a \u0111\u01a1n ch\u1ee9ng t\u1eeb \u1edf \u0111\u00e2y. Theo quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, khi h\u00e0ng h\u00f3a c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 200 ngh\u00ecn \u0111\u1ed3ng tr\u1edf l\u00ean, ng\u01b0\u1eddi b\u00e1n h\u00e0ng ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n, k\u00ea khai b\u00e1o c\u00e1o th\u1ed1ng k\u00ea, v\u00e0o s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n \u0111\u1ea7y \u0111\u1ee7, \u0111i\u1ec1u \u0111\u00f3 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c h\u1ecd ph\u1ea3i n\u1ed9p thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng, thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p. \u201cCh\u1ec9 ri\u00eang th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 n\u1ed9p thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng th\u00ec ng\u01b0\u1eddi b\u00e1n h\u00e0ng ph\u1ea3i n\u1ed9p 10%. Trong khi \u0111\u00f3, h\u1ecd ch\u1ec9 thu t\u1eeb c\u00e1c ch\u1ee7 th\u1ebb 1% \u0111\u1ebfn 2% th\u00ec l\u00e0m sao b\u00f9 l\u1ed7, ch\u01b0a k\u1ec3 c\u00e1c lo\u1ea1i thu\u1ebf thu nh\u1eadp kh\u00e1c\u201d – \u00f4ng \u0110\u1ee9c \u0111\u01b0a ra l\u1eadp lu\u1eadn. M\u1ed9t chuy\u00ean gia kh\u00e1c b\u1ed5 sung, kh\u00f4ng lo\u1ea1i tr\u1eeb h\u00e0nh vi n\u00e0y c\u00f3 s\u1ef1 ti\u1ebfp tay c\u1ee7a \u201cng\u01b0\u1eddi trong nh\u00e0\u201d v\u00ec n\u1ebfu \u0111i\u1ec3m ch\u1ea5p nh\u1eadn th\u1ebb c\u00f3 doanh s\u1ed1 l\u1edbn th\u00ec nh\u00e2n vi\u00ean NH \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00e0nh t\u00edch kinh doanh. C\u00f3 m\u1ed9t th\u1ef1c t\u1ebf hi\u1ec7n nay, khi m\u1edf r\u1ed9ng ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, NH lu\u00f4n khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi b\u00e1n h\u00e0ng s\u1eed d\u1ee5ng POS n\u00ean kh\u00f4ng ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd giao d\u1ecbch thanh to\u00e1n qua POS.<\/em><\/p>\n

Nhi\u1ec1u r\u1ee7i ro ph\u00e1t sinh<\/strong><\/h4>\n

Tuy s\u1ed1 ti\u1ec1n b\u1ecb l\u1ee3i d\u1ee5ng t\u1eeb h\u00e0nh vi n\u00e0y nh\u00ecn chung kh\u00f4ng qu\u00e1 l\u1edbn, nh\u01b0ng c\u0169ng \u0111\u00e3 c\u1ea3nh b\u00e1o nguy c\u01a1 n\u1ee3 x\u1ea5u ph\u00e1t sinh. Thay v\u00ec mua h\u00e0ng h\u00f3a ti\u00eau d\u00f9ng, s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch, ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng thanh to\u00e1n, th\u00ec vi\u1ec7c d\u1ec5 d\u00e0ng r\u00fat m\u1ed9t kho\u1ea3n ti\u1ec1n h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng v\u00e0o c\u00e1c m\u1ee5c \u0111\u00edch bu\u00f4n b\u00e1n b\u1ea5t h\u1ee3p ph\u00e1p, kinh doanh r\u1ee7i ro,\u2026 n\u1ebfu kh\u00f4ng may th\u00ec ch\u1ee7 th\u1ebb c\u00f3 th\u1ec3 m\u1ea5t tr\u1eafng s\u1ed1 ti\u1ec1n, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. \u201cT\u1ea5t nhi\u00ean, l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi th\u1ebb t\u00edn d\u1ee5ng kh\u00e1 cao, b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c ph\u1ea7n n\u00e0o s\u1ed1 v\u1ed1n kh\u00e1ch h\u00e0ng chi\u1ebfm d\u1ee5ng, nh\u01b0ng khi kh\u00e1ch h\u00e0ng m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec l\u00e3i kh\u00f4ng d\u1ec5 \u0111\u00f2i \u0111\u01b0\u1ee3c\u201d, m\u1ed9t chuy\u00ean gia kh\u00e1c nh\u00ecn nh\u1eadn.<\/p>\n

Tr\u01b0\u1edbc nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng NH t\u1eeb hi\u1ec7n t\u01b0\u1ee3ng cho vay “n\u00f3ng” qua th\u1ebb t\u00edn d\u1ee5ng, t\u1ea1i bu\u1ed5i h\u1ecdp b\u00e1o Ch\u00ednh ph\u1ee7 th\u01b0\u1eddng k\u1ef3 th\u00e1ng 10-2016, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Th\u1ecb H\u1ed3ng kh\u1eb3ng \u0111\u1ecbnh, NHNN \u0111\u1ec1u \u0111\u00e3 ban h\u00e0nh c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt, h\u01b0\u1edbng d\u1eabn v\u1ec1 c\u00e1c kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng n\u00f3i chung c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) v\u1edbi kh\u00e1ch h\u00e0ng, c\u0169ng nh\u01b0 h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng cho vay qua th\u1ebb t\u00edn d\u1ee5ng. C\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n, h\u1ed3 s\u01a1, quy tr\u00ecnh th\u1ee7 t\u1ee5c cho vay v\u00e0 c\u1ea3 v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a thanh tra v\u1edbi ho\u1ea1t \u0111\u1ed9ng n\u00e0y. V\u1ec1 nguy\u00ean nh\u00e2n v\u1eabn c\u00f2n \u0111\u1ec3 x\u1ea3y ra t\u00ecnh tr\u1ea1ng n\u00eau tr\u00ean, v\u1edbi g\u00f3c \u0111\u1ed9 c\u01a1 quan qu\u1ea3n l\u00fd, b\u00e0 H\u1ed3ng l\u00fd gi\u1ea3i: Do b\u1ea3n th\u00e2n c\u00e1c TCTD c\u00f3 r\u1ea5t nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng, cho n\u00ean trong qu\u00e1 tr\u00ecnh theo d\u00f5i gi\u00e1m s\u00e1t, c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u01a1 quan thanh tra gi\u00e1m s\u00e1t NH, ch\u1ec9 \u0111\u1ee7 kh\u1ea3 n\u0103ng xem x\u00e9t t\u1eebng v\u1ea5n \u0111\u1ec1, n\u1ed9i dung n\u00e0o c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u1eb7t k\u1ebf ho\u1ea1ch thanh tra th\u00ec c\u01a1 quan thanh tra gi\u00e1m s\u00e1t m\u1edbi ti\u1ebfn h\u00e0nh. \u201cQua th\u00f4ng tin d\u01b0 lu\u1eadn ph\u1ea3n \u00e1nh v\u1ec1 hi\u1ec7n t\u01b0\u1ee3ng cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng, ch\u1eafc ch\u1eafn c\u00e1c \u0111\u01a1n v\u1ecb ch\u1ee9c n\u0103ng c\u1ee7a C\u01a1 quan Thanh tra, gi\u00e1m s\u00e1t NH s\u1ebd theo d\u00f5i, t\u1ed5ng h\u1ee3p, \u0111\u1ec1 xu\u1ea5t c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ec3 vi\u1ec7c th\u1ef1c hi\u1ec7n qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng ti\u1ec1n t\u1ec7 v\u00e0 ng\u00e2n h\u00e0ng theo \u0111\u00fang m\u1ee5c ti\u00eau \u0111\u1ec1 ra\u201d – Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Nguy\u1ec5n Th\u1ecb H\u1ed3ng kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng, n\u1ebfu ng\u01b0\u1eddi b\u00e1n h\u00e0ng v\u00e0 ng\u01b0\u1eddi mua h\u00e0ng c\u1ed1 t\u00ecnh th\u00f4ng \u0111\u1ed3ng \u0111\u1ec3 r\u00fat ti\u1ec1n th\u00ec NH ki\u1ec3m so\u00e1t r\u1ea5t kh\u00f3 kh\u0103n, v\u00ec hi\u1ec7n t\u1ea1i c\u00f3 r\u1ea5t nhi\u1ec1u \u0111i\u1ec3m thanh to\u00e1n POS m\u00e0 nh\u00e2n l\u1ef1c NH kh\u00f4ng th\u1ec3 gi\u00e1m s\u00e1t h\u1ebft \u0111\u01b0\u1ee3c. Nh\u01b0ng v\u1ecb chuy\u00ean gia n\u00e0y c\u0169ng khuy\u1ebfn c\u00e1o, c\u00e1c NH c\u1ea7n thi\u1ebft ph\u1ea3i kh\u1ea9n tr\u01b0\u01a1ng v\u00e0o cu\u1ed9c \u0111\u1ec3 c\u00f3 nh\u1eefng bi\u1ec7n ph\u00e1p m\u1ea1nh tay h\u01a1n, nh\u1eb1m gi\u1ea3m t\u1edbi m\u1ee9c th\u1ea5p nh\u1ea5t c\u00e1c r\u1ee7i ro ph\u00e1t sinh t\u1eeb giao d\u1ecbch qua th\u1ebb. Ngo\u00e0i ra, c\u00f3 \u00fd ki\u1ebfn \u0111\u1ec1 xu\u1ea5t, m\u1ee9c x\u1eed ph\u1ea1t t\u1eeb 15 \u0111\u1ebfn 30 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi h\u00e0nh vi vi ph\u1ea1m b\u1ecb ph\u00e1t hi\u1ec7n c\u00f2n kh\u00e1 nh\u1eb9, c\u1ea7n t\u0103ng n\u1eb7ng m\u1ee9c x\u1eed ph\u1ea1t m\u1edbi \u0111\u1ee7 s\u1ee9c r\u0103n \u0111e. \u0110\u1ed1i v\u1edbi c\u00e1c NH, m\u1ed9t chuy\u00ean gia l\u01b0u \u00fd vi\u1ec7c r\u00e0 so\u00e1t d\u1eef li\u1ec7u tr\u1ef1c quan gi\u1eefa giao d\u1ecbch th\u00f4ng th\u01b0\u1eddng v\u1edbi giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb v\u01b0\u1ee3t tr\u1ed9i, c\u00f3 th\u1ec3 ph\u00e1t hi\u1ec7n nh\u1eefng POS c\u00f3 v\u1ea5n \u0111\u1ec1 b\u1ea5t th\u01b0\u1eddng.<\/p>\n

Qua hi\u1ec7n t\u01b0\u1ee3ng n\u00e0y, kh\u00f4ng \u00edt chuy\u00ean gia c\u0169ng l\u00ean ti\u1ebfng c\u1ea3nh b\u00e1o vi\u1ec7c ph\u00e1t h\u00e0nh th\u1ebb qu\u00e1 d\u1ec5 d\u00e3i c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng trong th\u1eddi gian qua nh\u1eb1m ho\u00e0n th\u00e0nh ch\u1ec9 ti\u00eau \u0111\u01b0\u1ee3c giao. \u0110\u00e2y c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n d\u1eabn t\u1edbi nhi\u1ec1u r\u1ee7i ro v\u00ec m\u1ed9t s\u1ed1 ch\u1ee7 th\u1ebb c\u00f3 \u0111\u1ed9 t\u00edn nhi\u1ec7m th\u1ea5p. Do \u0111\u00f3, trong th\u1eddi gian t\u1edbi, vi\u1ec7c ph\u00e1t tri\u1ec3n th\u1ebb NH, thay v\u00ec ch\u1ea1y theo s\u1ed1 l\u01b0\u1ee3ng, c\u00e1c NH c\u1ea7n quan t\u00e2m \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng nhi\u1ec1u h\u01a1n. C\u00f3 nh\u01b0 v\u1eady, m\u1edbi gia t\u0103ng \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb cho c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 NH, \u0111\u1ed3ng th\u1eddi gi\u1ea3m nh\u1eefng r\u1ee7i ro kh\u00f4ng \u0111\u00e1ng c\u00f3.<\/p>\n

VI\u1ec6T PHONG<\/p>\n

——————<\/p>\n

Nh\u00e2n D\u00e2n (Kinh t\u1ebf) 03-11-2016:<\/em><\/strong><\/p>\n

http:\/\/www.nhandan.com.vn\/kinhte\/thoi_su\/item\/31156102-nguy-co-meo-mo-hoat-dong-ngan-hang.html<\/a><\/em><\/p>\n

(324\/1.574)<\/em>","protected":false},"excerpt":{"rendered":"

(ND) – Sau v\u1ee5 vi\u1ec7c qu\u1eb9t th\u1ebb t\u1ea1i m\u1ed9t nh\u00e0 h\u00e0ng m\u1ea5t 700 tri\u1ec7u \u0111\u1ed3ng g\u00e2y x\u00f4n xao d\u01b0 lu\u1eadn, m\u1edbi \u0111\u00e2y, l\u1ea1i xu\u1ea5t hi\u1ec7n hi\u1ec7n t\u01b0\u1ee3ng ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng c\u1ea5u k\u1ebft r\u00fat ti\u1ec1n ngay t\u1ea1i \u0111i\u1ec3m ch\u1ea5p nh\u1eadn thanh to\u00e1n th\u1ebb ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ea1i c\u00e1c m\u00e1y ATM. H\u00e0nh vi n\u00e0y c\u1ee7a c\u00e1c […]<\/p>\n","protected":false},"author":1,"featured_media":17767,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-17765","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ND) – Sau v\u1ee5 vi\u1ec7c qu\u1eb9t th\u1ebb t\u1ea1i m\u1ed9t nh\u00e0 h\u00e0ng m\u1ea5t 700 tri\u1ec7u \u0111\u1ed3ng g\u00e2y x\u00f4n xao d\u01b0 lu\u1eadn, m\u1edbi \u0111\u00e2y, l\u1ea1i xu\u1ea5t hi\u1ec7n hi\u1ec7n t\u01b0\u1ee3ng ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng c\u1ea5u k\u1ebft r\u00fat ti\u1ec1n ngay t\u1ea1i \u0111i\u1ec3m ch\u1ea5p nh\u1eadn thanh to\u00e1n th\u1ebb ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ea1i c\u00e1c m\u00e1y ATM. H\u00e0nh vi n\u00e0y c\u1ee7a c\u00e1c […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2016-11-03T09:04:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-27T00:17:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/67.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"650\" \/>\n\t<meta property=\"og:image:height\" content=\"433\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\",\"datePublished\":\"2016-11-03T09:04:26+00:00\",\"dateModified\":\"2024-10-27T00:17:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/\"},\"wordCount\":2392,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/67.jpg\",\"articleSection\":[\"Ph\u1ecfng v\u1ea5n\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/\",\"name\":\"[:vi]1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/67.jpg\",\"datePublished\":\"2016-11-03T09:04:26+00:00\",\"dateModified\":\"2024-10-27T00:17:16+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/67.jpg\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/67.jpg\",\"width\":650,\"height\":433},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-415-cho-vay-nong-qua-the-tin-dung\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\",\"name\":\"administrator\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"caption\":\"administrator\"},\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/administrator\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng[:] - ANVI Law Firm","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng[:] - ANVI Law Firm","og_description":"(ND) – Sau v\u1ee5 vi\u1ec7c qu\u1eb9t th\u1ebb t\u1ea1i m\u1ed9t nh\u00e0 h\u00e0ng m\u1ea5t 700 tri\u1ec7u \u0111\u1ed3ng g\u00e2y x\u00f4n xao d\u01b0 lu\u1eadn, m\u1edbi \u0111\u00e2y, l\u1ea1i xu\u1ea5t hi\u1ec7n hi\u1ec7n t\u01b0\u1ee3ng ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng c\u1ea5u k\u1ebft r\u00fat ti\u1ec1n ngay t\u1ea1i \u0111i\u1ec3m ch\u1ea5p nh\u1eadn thanh to\u00e1n th\u1ebb ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ea1i c\u00e1c m\u00e1y ATM. H\u00e0nh vi n\u00e0y c\u1ee7a c\u00e1c […]","og_url":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2016-11-03T09:04:26+00:00","article_modified_time":"2024-10-27T00:17:16+00:00","og_image":[{"width":650,"height":433,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/67.jpg","type":"image\/jpeg"}],"author":"administrator","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"administrator","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"9 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/"},"author":{"name":"administrator","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b"},"headline":"1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng","datePublished":"2016-11-03T09:04:26+00:00","dateModified":"2024-10-27T00:17:16+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/"},"wordCount":2392,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/67.jpg","articleSection":["Ph\u1ecfng v\u1ea5n","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/","url":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/","name":"[:vi]1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/67.jpg","datePublished":"2016-11-03T09:04:26+00:00","dateModified":"2024-10-27T00:17:16+00:00","breadcrumb":{"@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/67.jpg","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/67.jpg","width":650,"height":433},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/vi\/1-415-cho-vay-nong-qua-the-tin-dung\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"1.415. Cho vay n\u00f3ng qua th\u1ebb t\u00edn d\u1ee5ng: Nguy c\u01a1 m\u00e9o m\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b","name":"administrator","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","caption":"administrator"},"url":"https:\/\/anvilaw.com\/vi\/author\/administrator\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/17765","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=17765"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/17765\/revisions"}],"predecessor-version":[{"id":42976,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/17765\/revisions\/42976"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/17767"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=17765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=17765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=17765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}