{"id":18939,"date":"2016-12-09T09:51:05","date_gmt":"2016-12-09T02:51:05","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18939"},"modified":"2022-04-23T07:59:57","modified_gmt":"2022-04-23T00:59:57","slug":"1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/","title":{"rendered":"1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang"},"content":{"rendered":"(ND) – Th\u1ef1c t\u1ebf \u0111\u00e3 c\u00f3 r\u1ea5t nhi\u1ec1u tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn m\u00e0 b\u00ean vay cho r\u1eb1ng ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) cho vay v\u1edbi l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 y\u00eau c\u1ea7u gi\u1ea3m l\u00e3i. \u0110\u00e2y l\u00e0 n\u1ed9i dung c\u00f2n c\u00f3 h\u01b0\u1edbng gi\u1ea3i quy\u1ebft ch\u01b0a th\u1ed1ng nh\u1ea5t gi\u1eefa c\u00e1c to\u00e0 \u00e1n.<\/strong><\/p>\n

\"\"<\/p>\n

Tranh ch\u1ea5p t\u1eeb l\u00e3i su\u1ea5t v\u00e0 \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng<\/em><\/strong><\/p>\n

T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng tuy \u0111ang tr\u00ean \u0111\u00e0 ph\u00e1t tri\u1ec3n v\u00e0 c\u00f3 m\u1ee9c t\u0103ng tr\u01b0\u1edfng r\u1ea5t t\u1ed1t, trung b\u00ecnh kho\u1ea3ng 20%\/n\u0103m nh\u01b0ng m\u1ed9t s\u1ed1 CTTC v\u1eabn kh\u00f4ng d\u00e1m m\u1edf r\u1ed9ng quy m\u00f4. S\u1ef1 th\u1eadn tr\u1ecdng n\u00e0y xu\u1ea5t ph\u00e1t t\u1eeb nguy\u00ean nh\u00e2n l\u00e0 do c\u00f2n thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd x\u1eed tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 h\u01b0\u1edbng d\u1eabn ri\u00eang cho ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng.<\/p>\n

Trong th\u1ef1c t\u1ebf, tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng ch\u1ee7 y\u1ebfu c\u00f3 nguy\u00ean nh\u00e2n t\u1eeb l\u00e3i su\u1ea5t v\u00e0 \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng. C\u1ee5 th\u1ec3 nh\u01b0 m\u1edbi \u0111\u00e2y, C\u00f4ng ty Lu\u1eadt Minh Khu\u00ea nh\u1eadn \u0111\u01b0\u1ee3c khi\u1ebfu n\u1ea1i c\u1ee7a m\u1ed9t ng\u01b0\u1eddi d\u00e2n nh\u01b0 sau: “T\u00f4i vay c\u1ee7a CTTC 25 tri\u1ec7u \u0111\u1ed3ng, l\u00e3i su\u1ea5t 4,99 % kh\u00f4ng t\u00ednh theo s\u1ed1 d\u01b0 gi\u1ea3m d\u1ea7n. Th\u1eddi h\u1ea1n tr\u1ea3 l\u00e0 30 th\u00e1ng, m\u1ed7i th\u00e1ng 1,635 tri\u1ec7u \u0111\u1ed3ng, tr\u1ea3 ch\u1eadm b\u1ecb ph\u1ea1t 150.000 \u0111\u1ed3ng cho m\u1ed7i 15 ng\u00e0y. Tr\u01b0\u1edbc khi vay, t\u00f4i \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o ph\u00ed tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n l\u00e0 4%, sau \u0111\u00f3 c\u00f4ng ty l\u1ea1i nh\u1eafn tin th\u00f4ng b\u00e1o ph\u00ed tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n l\u00e0 10%. V\u1eady, xin h\u1ecfi CTTC c\u00f3 vi ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00f4ng, c\u00f3 ph\u1ea3i l\u00e0 cho vay n\u1eb7ng l\u00e3i kh\u00f4ng”?<\/p>\n

V\u1edbi tr\u01b0\u1eddng h\u1ee3p tr\u00ean, C\u00f4ng ty Lu\u1eadt Minh Khu\u00ea t\u01b0 v\u1ea5n: Ph\u00e1p lu\u1eadt cho ph\u00e9p c\u00e1c b\u00ean c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t vay nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng. C\u00f3 th\u1ec3 th\u1ea5y r\u1eb1ng, l\u00e3i su\u1ea5t vay c\u1ee7a ng\u01b0\u1eddi vay \u0111\u00e3 v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a NHNN. Do v\u1eady, h\u00e0nh vi c\u1ee7a CTTC \u0111\u00e3 vi ph\u1ea1m Kho\u1ea3n 1 \u0110i\u1ec1u 467 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005, ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 y\u00eau c\u1ea7u t\u00f2a \u00e1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y. Khi \u0111\u00f3, t\u00f2a \u00e1n s\u1ebd gi\u1ea3i quy\u1ebft theo h\u01b0\u1edbng b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi vay b\u1eb1ng vi\u1ec7c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1.<\/p>\n

V\u1ec1 kh\u1ea3 n\u0103ng cho vay n\u1eb7ng l\u00e3i ph\u1ea3i c\u00f3 \u0111\u1ee7 hai y\u1ebfu t\u1ed1: L\u00e3i su\u1ea5t cho vay cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh t\u1eeb 10 l\u1ea7n tr\u1edf l\u00ean (t\u1ee9c l\u00e0 g\u1ea5p 10 l\u1ea7n c\u1ee7a m\u1ed1c 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n) v\u00e0 th\u1ef1c hi\u1ec7n h\u00e0nh vi cho vay n\u1eb7ng l\u00e3i nhi\u1ec1u l\u1ea7n, h\u00e0nh vi mang t\u00ednh chuy\u00ean nghi\u1ec7p, l\u1ea5y vi\u1ec7c cho vay l\u00e3i n\u1eb7ng l\u00e0m m\u1ed9t ngh\u1ec1 ki\u1ebfm s\u1ed1ng v\u00e0 l\u1ea5y k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c ph\u1ea1m t\u1ed9i l\u00e0m ngu\u1ed3n s\u1ed1ng ch\u00ednh. N\u1ebfu h\u00e0nh vi c\u1ee7a CTTC c\u00f3 y\u1ebfu t\u1ed1 c\u1ea5u th\u00e0nh t\u1ed9i cho vay n\u1eb7ng l\u00e3i, ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 tr\u00ecnh b\u00e1o c\u01a1 quan c\u00f4ng an \u0111\u1ec3 c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n kh\u1edfi t\u1ed1 v\u00e0 truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 \u0111\u1ed1i v\u1edbi h\u00e0nh vi n\u00e0y.<\/p>\n

Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng, th\u1ef1c hi\u1ec7n gi\u1ea3i ng\u00e2n \u0111\u01b0\u1ee3c v\u00e0i th\u00e1ng b\u1ed7ng \u201cgi\u1eadt m\u00ecnh\u201d nh\u1eadn ra ngo\u00e0i s\u1ed1 ti\u1ec1n vay c\u00f2n ph\u1ea3i ch\u1ecbu th\u00eam kho\u1ea3n ti\u1ec1n b\u1ea3o hi\u1ec3m, ph\u00ed, l\u00e3i su\u1ea5t t\u00ednh theo th\u00e1ng ch\u1ec9 c\u00f3 h\u01a1n 3% nh\u01b0ng t\u00ednh theo n\u0103m l\u00ean \u0111\u1ebfn g\u1ea7n 40% v\u00e0 m\u00f3n vay tr\u1edf th\u00e0nh g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh k\u00e9o d\u00e0i. Di\u1ec5n bi\u1ebfn ti\u1ebfp theo s\u1ebd c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng: Kh\u00e1ch h\u00e0ng t\u00ecm c\u00e1ch t\u1ea5t to\u00e1n h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc h\u1ea1n; \u0111\u00e2m \u0111\u01a1n khi\u1ebfu ki\u1ec7n; b\u1ecf l\u1eedng kh\u00f4ng tr\u1ea3 n\u1ee3 v\u00ec kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh ho\u1eb7c ch\u00e2y \u1ef3 kh\u00f4ng tr\u1ea3 n\u1ee3\u2026 \u0110\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1edfng h\u1ee3p tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u, CTTC l\u1ea1i l\u00e0 ng\u01b0\u1eddi c\u00f3 th\u1ec3 ki\u1ec7n kh\u00e1ch h\u00e0ng ra to\u00e0 v\u00ec h\u00e0nh vi l\u1eeba \u0111\u1ea3o chi\u1ebfm d\u1ee5ng t\u00e0i s\u1ea3n.<\/p>\n

Thi\u1ebfu h\u00e0nh lang ph\u00e1p l\u00fd x\u1eed tranh ch\u1ea5p vay ti\u00eau d\u00f9ng<\/em><\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, C\u00f4ng ty Lu\u1eadt ANVI cho bi\u1ebft, trong th\u1ef1c t\u1ebf c\u00f3 nhi\u1ec1u tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn m\u00e0 b\u00ean vay cho r\u1eb1ng ng\u00e2n h\u00e0ng, CTTC cho vay v\u1edbi l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 y\u00eau c\u1ea7u gi\u1ea3m l\u00e3i. \u0110\u00e2y l\u00e0 n\u1ed9i dung c\u00f2n c\u00f3 h\u01b0\u1edbng gi\u1ea3i quy\u1ebft ch\u01b0a th\u1ed1ng nh\u1ea5t gi\u1eefa c\u00e1c to\u00e0 \u00e1n. Nguy\u00ean nh\u00e2n xu\u1ea5t ph\u00e1t t\u1eeb s\u1ef1 m\u00e2u thu\u1eabn gi\u1eefa Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. Kho\u1ea3n 2 \u0110i\u1ec1u 91 Lu\u1eadt C\u00e1c TCTD cho ph\u00e9p th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, nh\u01b0ng \u0110i\u1ec1u 476 B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 l\u1ea1i quy \u0111\u1ecbnh kh\u00f4ng \u0111\u01b0\u1ee3c cho vay qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1.<\/em><\/p>\n

Theo c\u01a1 quan so\u1ea1n th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i, \u0111\u00e2y l\u00e0 quy \u0111\u1ecbnh c\u1ee9ng nh\u1eafc, kh\u00f4ng th\u1ef1c t\u1ebf v\u00e0 kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u00fang quy lu\u1eadt cung – c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng. B\u1edfi trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c NHNN \u1ea5n \u0111\u1ecbnh ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 trong t\u1eebng th\u1eddi k\u1ef3. Trong khi \u0111\u00f3, TCTD \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay c\u0103n c\u1ee9 v\u00e0o l\u00e3i su\u1ea5t huy \u0111\u1ed9ng.<\/p>\n

Th\u1ef1c t\u1ebf khi c\u00e1c TCTD ph\u1ea3i huy \u0111\u1ed9ng v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t cao th\u00ec b\u1eaft bu\u1ed9c c\u0169ng ph\u1ea3i \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay t\u01b0\u01a1ng \u1ee9ng. Nh\u1eefng n\u0103m v\u1eeba qua, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p TCTD ph\u1ea3i \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n cho ph\u00f9 h\u1ee3p v\u1edbi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng. M\u1eb7c d\u00f9 c\u00f3 s\u1ef1 th\u1ecfa thu\u1eadn gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 TCTD, kh\u1ea3 n\u0103ng h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng b\u1ecb To\u00e0 \u00e1n tuy\u00ean v\u00f4 hi\u1ec7u l\u00e0 r\u1ea5t l\u1edbn. \u0110i\u1ec1u n\u00e0y t\u1ea1o c\u0103n c\u1ee9 ph\u00e1p l\u00fd n\u1ebfu kh\u00e1ch h\u00e0ng c\u1ee7a TCTD kh\u00f4ng thi\u1ec7n ch\u00ed, kh\u00f4ng mu\u1ed1n tr\u1ea3 l\u00e3i sau th\u1eddi gian \u0111\u00e3 s\u1eed d\u1ee5ng v\u1ed1n vay, s\u1ebd g\u00e2y r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng v\u00e0 thi\u1ec7t h\u1ea1i cho c\u00e1c TCTD.<\/p>\n

C\u0169ng li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 \u201cM\u1eb7c d\u00f9 Lu\u1eadt C\u00e1c TCTD quy \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t l\u00e0 do th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean, nh\u01b0ng nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c CTTC khi kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 l\u1ea1i th\u01b0\u1eddng k\u00eau ca l\u00e3i su\u1ea5t cao v\u00e0 vi\u1ec7n \u0111\u1ebfn B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1edbi quy \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u1ec3 ki\u1ec7n\u201d, chuy\u00ean gia kinh t\u1ebf, TS. \u0110inh Th\u1ebf Hi\u1ec3n, cho r\u1eb1ng: \u0110\u00fang l\u00e0 \u0111\u00e3 c\u00f3 nh\u1eefng nh\u1ea7m l\u1eabn nh\u01b0 v\u1eady, nh\u01b0ng ch\u00fang ta c\u1ea7n ph\u1ea3i hi\u1ec3u c\u00e1c s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh t\u00edn d\u1ee5ng \u0111\u1ec1u ph\u1ea3i xin ph\u00e9p v\u00e0 \u0111\u01b0\u1ee3c NHNH ch\u1ea5p nh\u1eadn. Vi\u1ec7c th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c CTTC \u0111\u01b0\u1ee3c xem x\u00e9t v\u00e0 qu\u1ea3n l\u00fd r\u1ea5t nghi\u00eam ng\u1eb7t v\u00e0 h\u1ecd ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 theo lu\u1eadt chuy\u00ean ng\u00e0nh.<\/p>\n

Tr\u01b0\u1edbc nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u1edbi n\u1ea3y sinh trong th\u1ef1c ti\u1ec5n, m\u1ed9t s\u1ed1 t\u00f2a \u00e1n nh\u00e2n d\u00e2n qu\u1eadn, huy\u1ec7n \u0111\u00e3 \u0111\u1ec1 ngh\u1ecb c\u00e1c Chi nh\u00e1nh NHNN x\u00e1c \u0111\u1ecbnh r\u00f5 m\u1ee9c l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 x\u00e9t x\u1eed c\u00e1c v\u1ee5 \u00e1n li\u00ean quan \u0111\u1ebfn tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng n\u00f3i chung v\u00e0 cho vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang.<\/p>\n

K\u1ecbp th\u1eddi gi\u1ea3i \u0111\u00e1p nh\u1eefng v\u01b0\u1edbng m\u1eafc tr\u00ean, hi\u1ec7n C\u01a1 quan Thanh tra gi\u00e1m s\u00e1t c\u1ee7a NHNN c\u0169ng \u0111\u00e3 y\u00eau c\u1ea7u V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 ch\u1ee7 tr\u00ec, l\u00e0m \u0111\u1ea7u m\u1ed1i nghi\u00ean c\u1ee9u, x\u00e2y d\u1ef1ng bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 gi\u1ea3i quy\u1ebft nh\u1eefng v\u01b0\u1edbng m\u1eafc \u0111ang ph\u00e1t sinh trong th\u1ef1c t\u1ebf.<\/p>\n

B\u00cdCH NG\u00c2N – VI\u1ec6T PHONG<\/strong><\/p>\n

————————————–<\/p>\n

Nh\u00e2n D\u00e2n (Kinh t\u1ebf) 09-12-2016:<\/em><\/strong><\/p>\n

http:\/\/www.nhandan.com.vn\/kinhte\/nhan-dinh\/item\/31503102-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung.html<\/em><\/a><\/p>\n

(134\/1.304)<\/em>","protected":false},"excerpt":{"rendered":"

(ND) – Th\u1ef1c t\u1ebf \u0111\u00e3 c\u00f3 r\u1ea5t nhi\u1ec1u tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn m\u00e0 b\u00ean vay cho r\u1eb1ng ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) cho vay v\u1edbi l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 y\u00eau c\u1ea7u gi\u1ea3m l\u00e3i. \u0110\u00e2y l\u00e0 n\u1ed9i dung c\u00f2n c\u00f3 h\u01b0\u1edbng gi\u1ea3i quy\u1ebft ch\u01b0a […]<\/p>\n","protected":false},"author":1,"featured_media":18943,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang - 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\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ND) – Th\u1ef1c t\u1ebf \u0111\u00e3 c\u00f3 r\u1ea5t nhi\u1ec1u tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn m\u00e0 b\u00ean vay cho r\u1eb1ng ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) cho vay v\u1edbi l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 y\u00eau c\u1ea7u gi\u1ea3m l\u00e3i. \u0110\u00e2y l\u00e0 n\u1ed9i dung c\u00f2n c\u00f3 h\u01b0\u1edbng gi\u1ea3i quy\u1ebft ch\u01b0a […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/\" \/>\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=\"2016-12-09T02:51:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-04-23T00:59:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"630\" \/>\n\t<meta property=\"og:image:height\" content=\"420\" \/>\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=\"10 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang\",\"datePublished\":\"2016-12-09T02:51:05+00:00\",\"dateModified\":\"2022-04-23T00:59:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/\"},\"wordCount\":2019,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#organization\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.jpg\",\"articleSection\":[\"Ph\u1ecfng v\u1ea5n\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/\",\"url\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/\",\"name\":\"[:vi]1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.jpg\",\"datePublished\":\"2016-12-09T02:51:05+00:00\",\"dateModified\":\"2022-04-23T00:59:57+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#primaryimage\",\"url\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.jpg\",\"contentUrl\":\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.jpg\",\"width\":630,\"height\":420},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/anvilaw.com\/vi\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"(Ti\u1ebfng Vi\u1ec7t) 1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang\"}]},{\"@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:\/\/anvilaw.com\/vi\/#\/schema\/person\/image\/\",\"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]1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang[:] - 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\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang[:] - ANVI Law Firm","og_description":"(ND) – Th\u1ef1c t\u1ebf \u0111\u00e3 c\u00f3 r\u1ea5t nhi\u1ec1u tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn m\u00e0 b\u00ean vay cho r\u1eb1ng ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) cho vay v\u1edbi l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 y\u00eau c\u1ea7u gi\u1ea3m l\u00e3i. \u0110\u00e2y l\u00e0 n\u1ed9i dung c\u00f2n c\u00f3 h\u01b0\u1edbng gi\u1ea3i quy\u1ebft ch\u01b0a […]","og_url":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2016-12-09T02:51:05+00:00","article_modified_time":"2022-04-23T00:59:57+00:00","og_image":[{"width":630,"height":420,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.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":"10 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/"},"author":{"name":"administrator","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b"},"headline":"1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang","datePublished":"2016-12-09T02:51:05+00:00","dateModified":"2022-04-23T00:59:57+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/"},"wordCount":2019,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.jpg","articleSection":["Ph\u1ecfng v\u1ea5n","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/","url":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/","name":"[:vi]1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.jpg","datePublished":"2016-12-09T02:51:05+00:00","dateModified":"2022-04-23T00:59:57+00:00","breadcrumb":{"@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.jpg","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/18.jpg","width":630,"height":420},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/en\/tieng-viet-1-451-xu-tranh-chap-tin-dung-cho-vay-tieu-dung-toa-an-cung-con-lung-tung\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"(Ti\u1ebfng Vi\u1ec7t) 1.451. X\u1eed tranh ch\u1ea5p t\u00edn d\u1ee5ng cho vay ti\u00eau d\u00f9ng: T\u00f2a \u00e1n c\u0169ng c\u00f2n l\u00fang t\u00fang"}]},{"@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:\/\/anvilaw.com\/vi\/#\/schema\/person\/image\/","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\/18939","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=18939"}],"version-history":[{"count":0,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/18939\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/18943"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=18939"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=18939"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=18939"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}