{"id":18039,"date":"2018-05-16T09:56:51","date_gmt":"2018-05-16T02:56:51","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18039"},"modified":"2022-04-15T10:01:22","modified_gmt":"2022-04-15T03:01:22","slug":"2-165-tram-ty-gui-ngan-hang-bi-mat-tai-khach-sai-het-mat-rang-chiu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-165-tram-ty-gui-ngan-hang-bi-mat-tai-khach-sai-het-mat-rang-chiu\/","title":{"rendered":"2.165. Tr\u0103m t\u1ef7 g\u1eedi ng\u00e2n h\u00e0ng b\u1ecb m\u1ea5t: T\u1ea1i kh\u00e1ch sai h\u1ebft, m\u1ea5t r\u00e1ng ch\u1ecbu!"},"content":{"rendered":"(VNN) – Kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ch\u00ednh v\u1ec1 s\u1ed1 ti\u1ec1n c\u1ee7a m\u00ecnh g\u1eedi v\u00e0o nh\u00e0 b\u0103ng, n\u1ebfu b\u1ed7ng d\u01b0ng m\u1ed9t ng\u00e0y \u201cb\u1ed1c h\u01a1i\u201d?<\/strong><\/p>\n

L\u1ed7i t\u1ea1i kh\u00e1ch h\u00e0ng?<\/strong><\/p>\n

G\u1ea7n \u0111\u00e2y, c\u00f3 nhi\u1ec1u v\u1ee5 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng b\u1ecb \u201cb\u1ed1c h\u01a1i\u201d ti\u1ec1n t\u1ef7. Trong c\u00e1c v\u1ee5 vi\u1ec7c n\u00e0y, h\u1ea7u h\u1ebft kh\u00e1ch h\u00e0ng \u0111\u1ec1u r\u1ea5t m\u1ec7t m\u1ecfi \u0111\u1ec3 \u0111\u00f2i l\u1ea1i s\u1ed1 ti\u1ec1n b\u1ecb m\u1ea5t, th\u1eadm ch\u00ed c\u00f2n ph\u1ea3i ki\u1ec7n ng\u00e2n h\u00e0ng ra t\u00f2a.<\/p>\n

Nhi\u1ec1u \u00fd ki\u1ebfn v\u1eabn \u0111ang tranh c\u00e3i v\u1ec1 c\u00e1ch x\u1eed l\u00fd c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng khi \u0111\u1ec3 m\u1ea5t ti\u1ec1n c\u1ee7a kh\u00e1ch m\u00e0 kh\u00f4ng ch\u1ecbu b\u1ed3i ho\u00e0n ngay. Trao \u0111\u1ed5i v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, m\u1edbi \u0111\u00e2y chuy\u00ean gia ng\u00e2n h\u00e0ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu n\u00eau quan \u0111i\u1ec3m: \u201cT\u00f4i th\u1ea5y c\u00f3 m\u1ed9t l\u1ed7 h\u1ed5ng, trong \u0111\u00f3 c\u01a1 quan qu\u1ea3n l\u00fd, ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u1ec1u c\u00f3 s\u01a1 h\u1edf\u201d.<\/p>\n

\u201cT\u00f4i ngh\u0129 tr\u00e1ch nhi\u1ec7m ch\u00ednh l\u00e0 c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00f3 l\u1ebd 70%, c\u00f2n l\u1ea1i 30% c\u1ee7a ng\u00e2n h\u00e0ng\u201d, \u00f4ng Hi\u1ebfu n\u00eau quan \u0111i\u1ec3m.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Trong vi\u1ec7c m\u1ea5t ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng, kh\u00e1ch h\u00e0ng l\u1ed7i 1 th\u00ec ng\u00e2n h\u00e0ng l\u1ed7i 10 (\u1ea3nh minh h\u1ecda)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Gi\u1ea3i th\u00edch v\u1ec1 quan \u0111i\u1ec3m n\u00e0y, \u00f4ng Hi\u1ebfu cho r\u1eb1ng: n\u1ebfu kh\u00e1ch h\u00e0ng \u0111\u1ebfn ng\u00e2n h\u00e0ng v\u00e0o gi\u1edd l\u00e0m vi\u1ec7c, trao ti\u1ec1n ho\u1eb7c r\u00fat ti\u1ec1n, c\u00f3 s\u1ef1 h\u1ee3p t\u00e1c c\u1ee7a giao d\u1ecbch vi\u00ean, c\u00f3 ch\u1ee9ng gi\u00e1m c\u1ee7a tr\u01b0\u1edfng \u0111\u01a1n v\u1ecb, c\u00f3 ki\u1ec3m so\u00e1t vi\u00ean \u0111\u1ec3 ki\u1ec3m so\u00e1t giao d\u1ecbch th\u00ec ti\u1ec1n v\u00e0o kho qu\u1ef9, ti\u1ec1n xu\u1ea5t kho qu\u1ef9 \u0111\u01b0\u1ee3c h\u1ea1ch to\u00e1n t\u1ee9c th\u00ec. Nh\u01b0 v\u1eady, s\u1ebd kh\u00f4ng c\u00f3 chuy\u1ec7n g\u00ec x\u1ea3y ra.<\/p>\n

\u201cNh\u01b0ng c\u00f3 l\u1ebd 50\/50 th\u00ec \u0111\u00fang h\u01a1n\u201d, \u00f4ng Hi\u1ebfu sau \u0111\u00f3 nh\u00ecn nh\u1eadn l\u1ea1i khi \u0111\u00e1nh gi\u00e1 v\u1ec1 tr\u00e1ch nhi\u1ec7m gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng, trong c\u00e1c v\u1ee5 ti\u1ec1n g\u1eedi \u201cb\u1ed1c h\u01a1i\u201d.<\/p>\n

Tuy nhi\u00ean, nhi\u1ec1u \u00fd ki\u1ebfn kh\u00f4ng \u0111\u1ed3ng t\u00ecnh v\u1edbi quan \u0111i\u1ec3m tr\u00ean. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho bi\u1ebft, \u00f4ng \u0111\u00e3 \u0111\u1ecdc r\u1ea5t k\u1ef9 quy ch\u1ebf 1160 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, trong \u0111\u00f3 c\u00f3 n\u00f3i r\u1eb1ng, ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n ban h\u00e0nh c\u00e1c th\u1ee7 t\u1ee5c, quy tr\u00ecnh \u0111\u1ea3m b\u1ea3o ti\u1ec1n g\u1eedi cho kh\u00e1ch h\u00e0ng ti\u1ec7n l\u1ee3i, nh\u01b0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o s\u1ef1 ch\u00ednh x\u00e1c v\u00e0 an to\u00e0n.<\/em><\/p>\n

Theo \u00f4ng \u0110\u1ee9c, n\u1ebfu l\u00e0m \u0111\u00fang th\u00ec kh\u00f4ng bao gi\u1edd \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ea1m t\u1ed9i l\u1ea5y \u0111\u01b0\u1ee3c ti\u1ec1n t\u1eeb ng\u00e2n h\u00e0ng, d\u00f9 kh\u00e1ch h\u00e0ng c\u00f3 m\u1ea5t s\u1ed5 ti\u1ebft ki\u1ec7m hay \u0111\u01b0a ch\u1ee9ng minh nh\u00e2n d\u00e2n cho k\u1ebb gian. \u201cKh\u00e1ch h\u00e0ng c\u00f3 l\u1ed7i 1 th\u00ec ng\u00e2n h\u00e0ng c\u00f3 l\u1ed7i 10\u201d, \u00f4ng \u0110\u1ee9c nh\u1eadn x\u00e9t.<\/em><\/p>\n

Ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m, v\u00ec t\u1ea5t c\u1ea3 \u0111\u1ec1u l\u00e0 c\u00e1n b\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng, l\u00e0 ng\u01b0\u1eddi c\u1ee7a ph\u00e1p nh\u00e2n. Kh\u00e1ch h\u00e0ng giao d\u1ecbch ch\u1ec9 bi\u1ebft tin v\u00e0o c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng v\u1edbi quy tr\u00ecnh, v\u1edbi uy t\u00edn ng\u00e2n h\u00e0ng th\u00ec \u201cb\u1ea3o g\u00ec ng\u01b0\u1eddi ta l\u00e0m th\u1ebf\u201d. T\u1ea5t c\u1ea3 lu\u1eadt ch\u01a1i do ng\u00e2n h\u00e0ng \u00e1p \u0111\u1eb7t, ch\u1ee9 kh\u00f4ng kh\u00e1ch h\u00e0ng n\u00e0o m\u00e0 \u00e9p \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng.<\/em><\/p>\n

\u201cTS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh, 70% l\u1ed7i thu\u1ed9c v\u1ec1 kh\u00e1ch h\u00e0ng. C\u00f2n t\u00f4i kh\u1eb3ng \u0111\u1ecbnh 90% l\u00e0 do ng\u00e2n h\u00e0ng, n\u1ebfu nh\u00e0 b\u0103ng l\u00e0m \u0111\u00fang th\u00ec \u0111\u00e3 ch\u1eb3ng\u00a0m\u1ea5t ti\u1ec1n<\/a>\u201d, \u00f4ng \u0110\u1ee9c cho hay.<\/p>\n

Chuy\u00ean gia kinh t\u1ebf Ph\u1ea1m Nam Kim, nguy\u00ean gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng bang Vaud, Thu\u1ef5 S\u1ef9, v\u1edbi kinh nghi\u1ec7m 30 n\u0103m l\u00e0m vi\u1ec7c t\u1ea1i ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, n\u00f3i: \u201cT\u00f4i th\u1ea5y \u1edf m\u1ecdi ng\u00e2n h\u00e0ng, khi kh\u00e1ch h\u00e0ng \u0111\u1ebfn g\u1eedi ti\u1ec1n, h\u1ecd ph\u1ea3i k\u00fd v\u00e0o b\u1ea3n \u2018\u0111i\u1ec1u l\u1ec7\u2019 g\u1eedi ti\u1ec1n, \u0111\u00f3 l\u00e0 h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng. Theo \u0111\u00f3, ng\u00e2n h\u00e0ng cam k\u1ebft gi\u1eef kho\u1ea3n ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch v\u00e0 s\u1ebd ho\u00e0n l\u1ea1i \u0111\u1ea7y \u0111\u1ee7 khi t\u1edbi h\u1ea1n k\u1ef3. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a, ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m to\u00e0n b\u1ed9 v\u1ec1 s\u1ef1 an to\u00e0n c\u1ee7a ti\u1ec1n g\u1eedi. N\u1ebfu c\u00f3 s\u1ef1 c\u1ed1 x\u1ea3y ra, vi\u1ec7c \u0111\u1ea7u ti\u00ean l\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i ho\u00e0n l\u1ea1i ti\u1ec1n cho kh\u00e1ch, sau \u0111\u00f3 m\u1edbi kh\u1edfi ki\u1ec7n, truy t\u1ed1 k\u1ebb g\u00e2y ra s\u1ef1 c\u1ed1 \u0111\u1ec3 l\u1ea5y l\u1ea1i ti\u1ec1n n\u1ebfu c\u00f3 th\u1ec3\u201d.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
T\u00ecnh tr\u1ea1ng chung \u1edf Vi\u1ec7t Nam l\u00e0 khi c\u00e1c v\u1ee5 vi\u1ec7c chuy\u1ec3n sang \u00e1n h\u00ecnh s\u1ef1, vi\u1ec7c \u0111\u1ec1n ti\u1ec1n th\u01b0\u1eddng do t\u1ed9i ph\u1ea1m l\u00e0 c\u00e1 nh\u00e2n ch\u1ecbu.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nh\u1eefng th\u1ea5t tho\u00e1t do nh\u00e2n vi\u00ean, do quy tr\u00ecnh y\u1ebfu k\u00e9m l\u00e0 nh\u1eefng l\u1ed7i qu\u1ea3n l\u00fd c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec ph\u1ea3i ho\u00e0n tr\u1ea3 cho kh\u00e1ch h\u00e0ng. Kh\u00f4ng th\u1ec3 vi\u1ec7n c\u1edb \u0111\u1ee3i \u0111i\u1ec1u tra c\u1ee7a c\u01a1 quan c\u00f4ng an, r\u1ed3i t\u00ednh sau. Th\u1ea5t tho\u00e1t do tin t\u1eb7c, tr\u00e1ch nhi\u1ec7m ho\u00e0n l\u1ea1i ti\u1ec1n g\u1eedi ho\u00e0n to\u00e0n thu\u1ed9c v\u1ec1 ng\u00e2n h\u00e0ng, v\u00ec \u0111\u00f3 l\u00e0 s\u01a1 h\u1edf c\u1ee7a h\u1ecd trong vi\u1ec7c qu\u1ea3n l\u00fd c\u00f4ng ngh\u1ec7 th\u00f4ng tin. Th\u1ea5t tho\u00e1t tr\u00ean th\u1ebb ATM, thanh to\u00e1n hay t\u00edn d\u1ee5ng c\u0169ng l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng, ngo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng th\u00f4ng b\u00e1o m\u1ea5t th\u1ebb hay s\u1eed d\u1ee5ng th\u1ebb kh\u00f4ng \u0111\u00fang v\u1edbi nh\u1eefng ch\u1ec9 d\u1eabn \u0111\u00e3 cam k\u1ebft.<\/p>\n

Ng\u00e2n h\u00e0ng ph\u1ee7i tay?<\/strong><\/p>\n

Kh\u00f4ng ph\u1ea3i l\u00e0 ng\u00e2n h\u00e0ng ch\u1ecbu thi\u1ec7t th\u00f2i trong v\u1ea5n \u0111\u1ec1 n\u00e0y. Ng\u01b0\u1eddi qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng b\u00ecnh th\u01b0\u1eddng \u0111\u00e3 \u01b0\u1edbc t\u00ednh x\u00e1c su\u1ea5t x\u1ea3y ra nh\u1eefng th\u1ea5t tho\u00e1t tr\u00ean. R\u1ee7i ro n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c t\u00ednh trong ph\u00ed qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n hay trong ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t (margin) gi\u1eefa ti\u1ec1n g\u1eedi v\u00e0 ti\u1ec1n vay.<\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u1ea7n theo \u0111\u00fang th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf v\u00e0 b\u1ea3o \u0111\u1ea3m an to\u00e0n ti\u1ec1n g\u1eedi c\u0169ng nh\u01b0 uy t\u00edn c\u1ee7a m\u00ecnh. Ng\u00e2n h\u00e0ng s\u1ed1ng nh\u1edd v\u00e0o ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 mu\u1ed1n huy \u0111\u1ed9ng v\u1ed1n hi\u1ec7u qu\u1ea3, ph\u1ea3i t\u1ea1o d\u1ef1ng l\u00f2ng tin c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0o s\u1ef1 an to\u00e0n v\u00e0 b\u1ec1n v\u1eefng c\u1ee7a h\u1ec7 th\u1ed1ng.<\/p>\n

Nh\u1eefng th\u00f4ng tin v\u1ec1 th\u1ea5t tho\u00e1t ti\u1ec1n g\u1eedi, tr\u00e1ch nhi\u1ec7m c\u0169ng \u0111\u1ed5 l\u00ean kh\u00e1ch h\u00e0ng th\u00ec s\u1ef1 hoang mang c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n s\u1ebd gia t\u0103ng. N\u1ebfu ng\u01b0\u1eddi g\u1eedi ti\u1ec1n kh\u00f4ng c\u00f2n tin t\u01b0\u1edfng th\u00ec h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng s\u1ebd g\u1eb7p kh\u00f3 kh\u0103n.<\/p>\n

N\u00f3i v\u1ec1 vi\u1ec7c kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn giao d\u1ecbch t\u1ea1i nh\u00e0, ngo\u00e0i gi\u1edd, \u00f4ng Kim cho r\u1eb1ng, \u0111\u00f3 l\u00e0 chuy\u1ec7n thu\u1ed9c v\u1ec1 qu\u1ea3n l\u00fd ng\u00e2n h\u00e0ng. V\u1edbi ng\u01b0\u1eddi g\u1eedi s\u1ed1 ti\u1ec1n l\u1edbn, c\u00e1c h\u00e0ng v\u1eabn cho ph\u00e9p nh\u00e2n vi\u00ean mang c\u1ea3 \u00f4 t\u00f4 \u0111\u1ebfn t\u1eadn nh\u00e0 \u0111\u1ec3 nh\u1eadn ti\u1ec1n. \u0110\u1ec3 nh\u00e2n vi\u00ean l\u1ea5y ti\u1ec1n c\u1ee7a kh\u00e1ch th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m. \u0110\u00f3 l\u00e0 do kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd t\u1ed3i.<\/p>\n

Nhi\u1ec1u chuy\u00ean gia kinh t\u1ebf c\u0169ng cho r\u1eb1ng: \u0111\u1ed5 l\u1ed7i cho c\u00e1 nh\u00e2n c\u00e1n b\u1ed9 sai ph\u1ea1m, th\u1edd \u01a1 tr\u01b0\u1edbc quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, vi\u1ec7n l\u00fd do ch\u1edd T\u00f2a \u00e1n gi\u1ea3i quy\u1ebft l\u00e0 c\u00e1ch c\u00e2u gi\u1edd, l\u00e0m kh\u00f3. Khi c\u00e1c v\u1ee5 vi\u1ec7c chuy\u1ec3n sang \u00e1n h\u00ecnh s\u1ef1, vi\u1ec7c \u0111\u1ec1n ti\u1ec1n th\u01b0\u1eddng do t\u1ed9i ph\u1ea1m l\u00e0 c\u00e1 nh\u00e2n ch\u1ecbu. Do \u0111\u00f3, kh\u00f4ng d\u1ea1i g\u00ec ng\u00e2n h\u00e0ng\u00a0\u0111\u1ee9ng ra\u00a0\u0111\u1ec1n, h\u1ecd ch\u1edd ph\u00e1n quy\u1ebft c\u1ee7a t\u00f2a.<\/p>\n

Tuy nhi\u00ean, tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng b\u1eaft \u0111\u01b0\u1ee3c \u0111\u1ed1i t\u01b0\u1ee3ng l\u1eeba \u0111\u1ea3o ho\u1eb7c b\u1eaft \u0111\u01b0\u1ee3c nh\u01b0ng \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00e3 \u201cti\u00eau\u201d h\u1ebft ti\u1ec1n th\u00ec kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f4ng bao gi\u1edd \u0111\u00f2i l\u1ea1i \u0111\u01b0\u1ee3c.<\/p>\n

\u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 t\u1ea1o nguy c\u01a1 r\u1ee7i ro l\u1edbn trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, b\u1edfi khi c\u00e1n b\u1ed9 l\u00e0m sai, ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 h\u00e0nh vi sai tr\u00e1i c\u1ee7a c\u00e1n b\u1ed9 \u0111\u00f3, ch\u1ee9 kh\u00f4ng th\u1ec3 \u0111\u1ed5 cho tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1 nh\u00e2n c\u00e1n b\u1ed9 v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c.<\/p>\n

Tr\u1ea7n Th\u1ee7y<\/strong><\/p>\n

——-<\/p>\n

Vietnamnet (T\u00e0i ch\u00ednh) 16-5-2018:<\/em><\/strong><\/p>\n

http:\/\/vietnamnet.vn\/vn\/kinh-doanh\/tai-chinh\/tien-gui-boc-hoi-loi-tai-khach-hay-ngan-hang-phui-tay-450973.html<\/em><\/a><\/p>\n

(190\/1.214)<\/em>","protected":false},"excerpt":{"rendered":"

(VNN) – Kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ch\u00ednh v\u1ec1 s\u1ed1 ti\u1ec1n c\u1ee7a m\u00ecnh g\u1eedi v\u00e0o nh\u00e0 b\u0103ng, n\u1ebfu b\u1ed7ng d\u01b0ng m\u1ed9t ng\u00e0y \u201cb\u1ed1c h\u01a1i\u201d? L\u1ed7i t\u1ea1i kh\u00e1ch h\u00e0ng? G\u1ea7n \u0111\u00e2y, c\u00f3 nhi\u1ec1u v\u1ee5 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng b\u1ecb \u201cb\u1ed1c h\u01a1i\u201d ti\u1ec1n t\u1ef7. Trong c\u00e1c v\u1ee5 vi\u1ec7c n\u00e0y, h\u1ea7u h\u1ebft […]<\/p>\n","protected":false},"author":3,"featured_media":18041,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18039","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.165. 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