{"id":19112,"date":"2018-06-20T09:21:16","date_gmt":"2018-06-20T02:21:16","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19112"},"modified":"2022-04-25T09:27:08","modified_gmt":"2022-04-25T02:27:08","slug":"2-197-bong-dung-bi-phong-than-no-xau","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-197-bong-dung-bi-phong-than-no-xau\/","title":{"rendered":"2.197. B\u1ed7ng d\u01b0ng b\u1ecb ‘phong th\u1ea7n’ n\u1ee3 x\u1ea5u"},"content":{"rendered":"(TN) – Nhi\u1ec1u kh\u00e1ch h\u00e0ng ph\u1ea3n \u00e1nh h\u1ecd b\u1ecb nh\u1eefng kho\u1ea3n n\u1ee3 \u201ct\u1eeb tr\u00ean tr\u1eddi r\u1edbt xu\u1ed1ng\u201d; c\u00f3 m\u00f3n n\u1ee3 ch\u1ec9 m\u1ed9t v\u00e0i ng\u00e0n \u0111\u1ed3ng; hay kho\u1ea3n vay thanh to\u00e1n ch\u1eadm ch\u01b0a \u0111\u1ea7y 1 th\u00e1ng… c\u0169ng b\u1ecb li\u1ec7t v\u00e0o d\u1ea1ng n\u1ee3 x\u1ea5u, th\u1eadm ch\u00ed n\u1ee3 c\u00f3 nguy c\u01a1 m\u1ea5t v\u1ed1n.<\/strong><\/p>\n

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R\u01a1i v\u00e0o nh\u00f3m nguy hi\u1ec3m v\u00ec n\u1ee3 1.200 \u0111\u1ed3ng<\/strong><\/p>\n

Cu\u1ed1i n\u0103m 2017, khi l\u00e0m th\u1ee7 t\u1ee5c m\u1edf th\u1ebb, ch\u1ecb Ph\u01b0\u01a1ng ng\u1ee5 Q.2 (TP.HCM) b\u1ecb nh\u00e2n vi\u00ean Ng\u00e2n h\u00e0ng TMCP K\u1ef9 th\u01b0\u01a1ng VN (Techcombank) v\u00e0 Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n (SCB) t\u1ea1i TP.HCM \u0111\u00f2i gi\u1ea3i th\u00edch vi\u1ec7c n\u1eb1m trong danh s\u00e1ch n\u1ee3 nh\u00f3m 2 (n\u1ee3 c\u1ea7n ch\u00fa \u00fd) t\u1ea1i Trung t\u00e2m th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia VN (CIC) thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN). Theo th\u00f4ng tin \u0111\u01b0\u1ee3c cung c\u1ea5p, ch\u1ecb \u0111ang c\u00f2n n\u1ee3 h\u01a1n 300.000 \u0111\u1ed3ng t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. Sau khi \u0111\u1ebfn \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng tr\u00ean (Q.1, TP.HCM), ch\u1ecb m\u1edbi \u201cng\u00e3 ng\u1eeda\u201d r\u1eb1ng kho\u1ea3n n\u1ee3 tr\u00ean ch\u00ednh l\u00e0 ti\u1ec1n ph\u00ed th\u01b0\u1eddng ni\u00ean th\u1ebb ph\u1ee5 c\u1ee7a nh\u00e0 b\u0103ng n\u00e0y.<\/p>\n\n\n\n
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<\/td>\nT\u00f4i ch\u1ec9 n\u1ee3 1.222,32 \u0111\u1ed3ng m\u00e0 t\u00edn d\u1ee5ng c\u1ee7a t\u00f4i b\u1ecb \u0111\u1ea9y l\u00ean nh\u00f3m 5 trong su\u1ed1t h\u01a1n 1 n\u0103m qua v\u00e0 NH n\u00e0y c\u0169ng ch\u01b0a bao gi\u1edd th\u00f4ng b\u00e1o v\u1edbi t\u00f4i v\u1ec1 kho\u1ea3n n\u1ee3 n\u00e0y. T\u00f4i ch\u1ec9 bi\u1ebft vi\u1ec7c n\u00e0y th\u00f4ng qua m\u1ed9t NH kh\u00e1c. N\u1ebfu ai l\u00e0m \u1edf NH c\u0169ng hi\u1ec3u nh\u00f3m 5 n\u00f3 kh\u1ee7ng khi\u1ebfp th\u1ebf n\u00e0o. C\u00f3 ai v\u00ec thi\u1ebfu h\u01a1n 1.000 \u0111\u1ed3ng m\u00e0 ph\u1ea3i ch\u1ecbu nh\u00f3m 5 nh\u01b0 t\u00f4i kh\u00f4ng?<\/em><\/td>\n<\/td>\n<\/tr>\n
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Anh\u00a0Tr\u1ea7n Nh\u1eadt B\u00ecnh<\/strong>\u00a0(ng\u1ee5 Q.1, TP.HCM)<\/td>\n<\/tr>\n
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Tr\u01b0\u1edbc \u0111\u00f3, v\u00e0o n\u0103m 2016, nh\u00e2n vi\u00ean NH n\u01b0\u1edbc ngo\u00e0i li\u00ean t\u1ee5c m\u1eddi ch\u1ecb m\u1edf th\u1ebb t\u00edn d\u1ee5ng v\u1edbi \u01b0u \u0111\u00e3i mi\u1ec5n ph\u00ed th\u01b0\u1eddng ni\u00ean n\u0103m \u0111\u1ea7u ti\u00ean. Khi m\u1edf th\u1ebb, NH n\u00e0y \u0111\u1ed3ng th\u1eddi cung c\u1ea5p th\u00eam cho ch\u1ecb 2 th\u1ebb ph\u1ee5 kh\u00e1c m\u00e0 kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn ph\u00ed, n\u00ean ch\u1ecb Ph\u01b0\u01a1ng kh\u00f4ng h\u1ec1 hay bi\u1ebft. \u201cQuan tr\u1ecdng nh\u1ea5t l\u00e0 nh\u00e2n vi\u00ean kh\u00f4ng h\u1ec1 th\u00f4ng b\u00e1o cho m\u00ecnh bi\u1ebft v\u00e0 m\u00ecnh c\u1ee9 \u0111inh ninh l\u00e0 kh\u00f4ng t\u1ed1n ph\u00ed (th\u1ebb ph\u1ee5 – NV). N\u1ebfu h\u1ecd b\u00e1o th\u00ec m\u00ecnh \u0111\u00e3 \u0111\u00f3ng v\u00ec c\u0169ng kh\u00f4ng bao nhi\u00eau ti\u1ec1n\u201d, ch\u1ecb Ph\u01b0\u01a1ng b\u1ee9c x\u00fac.<\/p>\n

Sau khi ph\u00e1t hi\u1ec7n r\u01a1i v\u00e0o n\u1ee3 nh\u00f3m 2 do thi\u1ebfu ti\u1ec1n ph\u00ed th\u01b0\u1eddng ni\u00ean, ch\u1ecb Ph\u01b0\u01a1ng \u0111\u00e3 \u0111\u00f3ng h\u1ebft t\u1ea5t c\u1ea3 th\u1ebb v\u00e0 ch\u1ea5m d\u1ee9t kh\u00f4ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y. Th\u1ebf nh\u01b0ng, h\u1ec7 l\u1ee5y ch\u01b0a d\u1eebng l\u1ea1i, b\u1edfi sau \u0111\u00f3 m\u1ed7i khi giao d\u1ecbch v\u1edbi NH n\u00e0o th\u00ec ch\u1ecb c\u0169ng \u0111\u1ec1u b\u1ecb y\u00eau c\u1ea7u ph\u1ea3i gi\u1ea3i th\u00edch l\u00fd do t\u1eebng b\u1ecb x\u1ebfp v\u00e0o n\u1ee3 nh\u00f3m 2 v\u00e0 \u0111\u00e3 x\u00f3a n\u1ee3 nh\u01b0 th\u1ebf n\u00e0o. \u201c\u0110\u1ebfn nay c\u1ee9 m\u1ed7i l\u1ea7n c\u00f3 vi\u1ec7c c\u1ea7n l\u00e0 ph\u1ea3i gi\u1ea3i tr\u00ecnh v\u1edbi ng\u00e2n h\u00e0ng\u201d, ch\u1ecb Ph\u01b0\u01a1ng than phi\u1ec1n.<\/p>\n

B\u1ee9c x\u00fac h\u01a1n, anh Tr\u1ea7n Nh\u1eadt B\u00ecnh ng\u1ee5 Q.1 (TP.HCM) k\u1ec3 b\u1ed7ng d\u01b0ng anh nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t th\u00f4ng b\u00e1o t\u1eeb Eximbank r\u1eb1ng anh \u0111ang thu\u1ed9c nh\u00f3m n\u1ee3 5 (c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n) t\u1ea1i CIC, v\u1edbi m\u1ee9c n\u1ee3 l\u00e0 1.222,32 \u0111\u1ed3ng (m\u1ed9t ng\u00e0n hai tr\u0103m hai m\u01b0\u01a1i hai \u0111\u1ed3ng, ba m\u01b0\u01a1i hai xu) v\u00e0 \u0111\u01a1n v\u1ecb ghi n\u1ee3 qu\u00e1 h\u1ea1n l\u00e0 NH C. Qu\u00e1 b\u1ea5t ng\u1edd, anh B\u00ecnh cung c\u1ea5p \u1ea3nh ch\u1ee5p \u0111\u00e3 x\u00e1c nh\u1eadn \u0111\u00f3ng th\u1ebb v\u00e0 thanh to\u00e1n h\u1ebft ti\u1ec1n t\u1ea1i NH C. t\u1eeb th\u00e1ng 3.2017.<\/p>\n

Hi\u1ec7n nay anh B\u00ecnh v\u1eabn ch\u01b0a bi\u1ebft ch\u00ednh x\u00e1c m\u00ecnh b\u1ecb n\u1ee3 s\u1ed1 ti\u1ec1n g\u00ec v\u00e0 kho\u1ea3n n\u1ee3 n\u00e0y t\u1eeb \u0111\u00e2u ra. \u201cT\u00f4i ch\u1ec9 n\u1ee3 1.222,32 \u0111\u1ed3ng m\u00e0 t\u00edn d\u1ee5ng c\u1ee7a t\u00f4i b\u1ecb \u0111\u1ea9y l\u00ean nh\u00f3m 5 trong su\u1ed1t h\u01a1n 1 n\u0103m qua v\u00e0 NH n\u00e0y c\u0169ng ch\u01b0a bao gi\u1edd th\u00f4ng b\u00e1o v\u1edbi t\u00f4i v\u1ec1 kho\u1ea3n n\u1ee3 n\u00e0y. T\u00f4i ch\u1ec9 bi\u1ebft vi\u1ec7c n\u00e0y th\u00f4ng qua m\u1ed9t NH kh\u00e1c. N\u1ebfu ai l\u00e0m \u1edf NH c\u0169ng hi\u1ec3u nh\u00f3m 5 n\u00f3 kh\u1ee7ng khi\u1ebfp th\u1ebf n\u00e0o. C\u00f3 ai v\u00ec thi\u1ebfu h\u01a1n 1.000 \u0111\u1ed3ng m\u00e0 ph\u1ea3i ch\u1ecbu nh\u00f3m 5 nh\u01b0 t\u00f4i kh\u00f4ng?\u201d, anh B\u00ecnh b\u1ee9c x\u00fac.<\/p>\n\n\n\n
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Vay l\u00e3i su\u1ea5t g\u1ea5p \u0111\u00f4i v\u00ec tr\u1ea3 ch\u1eadm 24 ng\u00e0y<\/strong><\/p>\n

Nhi\u1ec1u n\u0103m nay, b\u00e0 Nguy\u1ec5n Ng\u1ecdc Th\u00fay, thu\u1ed9c Ban Ch\u1ee7 nhi\u1ec7m H\u1ee3p t\u00e1c x\u00e3 (HTX) Ba Nh\u1ea5t (TP.HCM), b\u1ee9c x\u00fac v\u00ec b\u1ecb CIC ghi nh\u1eadn n\u1ee3 nh\u00f3m 5 m\u00e0 kh\u00f4ng th\u1ec3 n\u00e0o \u0111i\u1ec1u ch\u1ec9nh \u0111\u01b0\u1ee3c. Chuy\u1ec7n l\u00e0 n\u0103m 2012, do kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn v\u1edbi ph\u00eda \u0111\u1ed1i t\u00e1c n\u01b0\u1edbc ngo\u00e0i t\u1ea1i M\u1ef9, nh\u01b0ng l\u01b0\u1ee3ng h\u00e0ng t\u1ed3n \u0111\u1ecdng l\u1edbn t\u1ea1i \u0111\u1ed1i t\u00e1c, n\u00ean HTX \u0111\u00e3 g\u1eedi th\u00f4ng b\u00e1o \u0111\u1ebfn HSBC xin t\u00e1i c\u01a1 c\u1ea5u kho\u1ea3n n\u1ee3 m\u00e0 ph\u00eda NH \u0111\u00e3 t\u00e0i tr\u1ee3 xu\u1ea5t kh\u1ea9u. Th\u00e1ng 3.2013, HSBC \u0111\u1ed3ng \u00fd cho HTX thanh to\u00e1n theo th\u1ecfa thu\u1eadn \u0111\u1ebfn ng\u00e0y 30.1.2014 l\u00e0 d\u1ee9t \u0111i\u1ec3m n\u1ee3. Tuy nhi\u00ean, do kh\u00f3 kh\u0103n, HTX ch\u1eadm thanh to\u00e1n cho HSBC 3 tu\u1ea7n so v\u1edbi th\u1ecfa thu\u1eadn. L\u1ebd ra, theo ph\u00e2n lo\u1ea1i n\u1ee3, Ba Nh\u1ea5t thu\u1ed9c n\u1ee3 nh\u00f3m 2. Th\u1ebf nh\u01b0ng, CIC l\u1ea1i ghi nh\u1eadn HTX c\u00f3 l\u1ecbch s\u1eed n\u1ee3 nh\u00f3m 5 l\u00e0 nh\u00f3m c\u00f3 nguy c\u01a1 m\u1ea5t v\u1ed1n.<\/p>\n

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\u201cTrong kinh doanh c\u00f3 nh\u1eefng kh\u00f3 kh\u0103n b\u1ea5t kh\u1ea3 kh\u00e1ng nh\u01b0ng ch\u00fang t\u00f4i c\u0169ng c\u1ed1 g\u1eafng h\u1ebft s\u1ee9c \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u1edbi NH. Th\u1ebf nh\u01b0ng CIC l\u1ea1i ghi nh\u1eadn ch\u00fang t\u00f4i c\u00f3 l\u1ecbch s\u1eed n\u1ee3 nh\u00f3m 5 d\u00f9 ch\u00fang t\u00f4i \u0111\u00e3 tr\u1ea3 to\u00e0n b\u1ed9 s\u1ed1 n\u1ee3 theo th\u1ecfa thu\u1eadn. Khi b\u1ecb ghi nh\u1eadn l\u1ecbch s\u1eed th\u1ebf n\u00e0y, ch\u00fang t\u00f4i kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n vay \u1edf c\u00e1c NH kh\u00e1c. C\u00f2n n\u1ebfu NH \u0111\u1ed3ng \u00fd cho vay th\u00ec l\u1ea1i \u1ea5n m\u1ee9c l\u00e3i vay cao h\u01a1n\u201d, b\u00e0 Th\u00fay n\u00f3i.<\/p>\n

Th\u1ef1c t\u1ebf, \u0111\u1ed1i v\u1edbi nh\u1eefng doanh nghi\u1ec7p c\u00f3 ngu\u1ed3n USD nh\u01b0 HTX th\u00f4ng th\u01b0\u1eddng s\u1ebd \u0111\u01b0\u1ee3c NH cho vay l\u00e3i su\u1ea5t 3%\/n\u0103m, nh\u01b0ng ch\u1ec9 v\u00ec c\u00f3 l\u1ecbch s\u1eed n\u1ee3 nh\u00f3m 5, Ba Nh\u1ea5t ph\u1ea3i vay 4,5%\/n\u0103m, th\u1eadm ch\u00ed l\u00e0 6%\/n\u0103m. Th\u1ea5y kh\u00f4ng th\u1ecfa \u0111\u00e1ng, HTX Ba Nh\u1ea5t \u0111\u00e3 c\u00f3 c\u00f4ng v\u0103n g\u1eedi CIC ph\u1ea3n \u00e1nh v\u1ec1 \u0111i\u1ec1u n\u00e0y. CIC c\u0169ng \u0111\u00e3 c\u00f3 c\u00f4ng v\u0103n g\u1eedi HSBC ki\u1ec3m tra, r\u00e0 so\u00e1t l\u1ea1i vi\u1ec7c ph\u1ed1i h\u1ee3p v\u1edbi kh\u00e1ch h\u00e0ng trong c\u01a1 c\u1ea5u n\u1ee3, \u0111\u1ed3ng th\u1eddi b\u00e1o c\u00e1o gi\u1ea3i tr\u00ecnh l\u00fd do, c\u01a1 s\u1edf \u0111\u00e1nh gi\u00e1 ph\u00e2n lo\u1ea1i n\u1ee3. Tr\u01b0\u1eddng h\u1ee3p x\u00e1c \u0111\u1ecbnh k\u1ebft qu\u1ea3 ph\u00e2n lo\u1ea1i n\u1ee3 c\u1ee7a HSBC d\u1ef1a v\u00e0o y\u1ebfu t\u1ed1 ch\u1ee7 quan c\u1ee7a c\u00e1n b\u1ed9, ho\u1eb7c ph\u1ea3n \u00e1nh kh\u00f4ng \u0111\u00fang th\u1ef1c tr\u1ea1ng kh\u00e1ch h\u00e0ng, y\u00eau c\u1ea7u HSBC c\u00f3 v\u0103n b\u1ea3n \u0111\u1ec1 ngh\u1ecb CIC \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i l\u1ecbch s\u1eed ph\u00e2n lo\u1ea1i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

\u201cTh\u1ebf nh\u01b0ng t\u1eeb \u0111\u00f3 cho \u0111\u1ebfn nay, kh\u00f4ng bi\u1ebft HSBC ph\u1ea3n h\u1ed3i cho CIC ch\u01b0a m\u00e0 ch\u00fang t\u00f4i v\u1eabn b\u1ecb ghi n\u1ee3 nh\u00f3m 5, ch\u1ecbu nhi\u1ec1u \u1ea3nh h\u01b0\u1edfng t\u00edn nhi\u1ec7m trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng kinh doanh\u201d, b\u00e0 Th\u00fay ngao ng\u00e1n.<\/p>\n

Ng\u00e2n h\u00e0ng l\u00e0m sai, kh\u00e1ch h\u00e0ng l\u00e3nh h\u1eadu qu\u1ea3<\/strong><\/p>\n

TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh, ph\u00e2n t\u00edch t\u00e1c \u0111\u1ed9ng c\u1ee7a vi\u1ec7c tr\u1edf th\u00e0nh ng\u01b0\u1eddi c\u00f3 n\u1ee3 x\u1ea5u s\u1ebd khi\u1ebfn kh\u00e1ch h\u00e0ng g\u1eb7p kh\u00f3 kh\u0103n trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng v\u1edbi h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh NH. \u0110\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi n\u1ee3 nh\u00f3m 5 l\u00e0 n\u1ee3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh qu\u00e1 th\u1eddi h\u1ea1n thanh to\u00e1n tr\u00ean 1 n\u0103m v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n 100%, c\u00e1c NH s\u1ebd \u201cb\u1ecf ch\u1ea1y\u201d v\u00e0 kh\u00f4ng bao gi\u1edd mu\u1ed1n cho kh\u00e1ch h\u00e0ng vay ti\u1ec1n hay cung c\u1ea5p h\u1ea1n m\u1ee9c th\u1ebb t\u00edn d\u1ee5ng… M\u1eb7c d\u00f9 s\u1ed1 ti\u1ec1n n\u1ee3 d\u00f9 r\u1ea5t nh\u1ecf, ch\u1ec9 v\u00e0i ng\u00e0n \u0111\u1ed3ng th\u00ec t\u1ef1 \u0111\u1ed9ng theo b\u00e1o c\u00e1o x\u1ebfp lo\u1ea1i t\u1eeb c\u00e1c NH l\u00ean CIC c\u00f3 th\u1ec3 \u0111\u01b0a v\u00e0o c\u00e1c nh\u00f3m n\u1ee3 c\u00f3 nguy c\u01a1 cao.<\/p>\n

Tuy nhi\u00ean, v\u1ecb chuy\u00ean gia n\u00e0y cho r\u1eb1ng c\u00e1c nh\u00e0 b\u0103ng v\u00e0 ngay c\u1ea3 CIC c\u0169ng nh\u01b0 NHNN ph\u1ea3i xem x\u00e9t l\u1ea1i khi cung c\u1ea5p danh s\u00e1ch n\u1ee3 x\u1ea5u c\u1ee7a kh\u00e1ch h\u00e0ng. V\u00ed d\u1ee5 \u0111\u1ed1i v\u1edbi nh\u1eefng lo\u1ea1i ph\u00ed nh\u01b0 ph\u00ed th\u01b0\u1eddng ni\u00ean, ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n, ph\u00ed s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5… b\u1ea3n ch\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 n\u1ee3. Nh\u1eefng lo\u1ea1i ph\u00ed th\u00f4ng th\u01b0\u1eddng h\u1ea7u h\u1ebft ch\u1ec9 l\u00e0 s\u1ed1 ti\u1ec1n nh\u1ecf, t\u1eeb v\u00e0i ng\u00e0n \u0111\u1ed3ng \u0111\u1ebfn v\u00e0i tr\u0103m ng\u00e0n \u0111\u1ed3ng. Trong khi \u0111\u00f3, m\u1ee5c ti\u00eau c\u1ee7a CIC l\u00e0 chia s\u1ebb danh s\u00e1ch kh\u00e1ch h\u00e0ng v\u1edbi l\u1ecbch s\u1eed t\u00edn d\u1ee5ng cho c\u00e1c NH.<\/p>\n

V\u00ec v\u1eady, c\u1ea7n xem x\u00e9t lo\u1ea1i b\u1ecf nh\u1eefng ng\u01b0\u1eddi \u0111ang thi\u1ebfu ho\u1eb7c ch\u01b0a thanh to\u00e1n ph\u00ed ra kh\u1ecfi danh s\u00e1ch n\u1ee3 x\u1ea5u hay n\u1ee3 qu\u00e1 h\u1ea1n. Theo \u00f4ng Hi\u1ebfu, t\u1ea1i M\u1ef9, tr\u01b0\u1edbc khi c\u00f3 b\u00e1o c\u00e1o \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng, ph\u00eda nh\u00e0 b\u0103ng s\u1ebd ch\u1ee7 \u0111\u1ed9ng vi\u1ebft th\u01b0 c\u1ea3nh b\u00e1o v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y. Sau \u0111\u00f3, ph\u00eda NH c\u00f3 th\u1ec3 \u0111\u1ec3 cho h\u1ecd m\u1ed9t kho\u1ea3ng th\u1eddi gian \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thanh to\u00e1n, tr\u1ea3 n\u1ee3 nh\u1eb1m kh\u00f4ng b\u1ecb b\u00e1o c\u00e1o x\u1ea5u.<\/p>\n\n\n\n
\"\"<\/p>\n

Kh\u00e1ch h\u00e0ng c\u1ea7n l\u01b0u \u00fd nh\u1eefng kho\u1ea3n n\u1ee3 ph\u00ed t\u1eeb th\u1ebb t\u00edn d\u1ee5ng c\u00f3 th\u1ec3 b\u1ecb nh\u1ea3y nh\u00f3m n\u1ee3<\/p>\n

\u1ea2NH: NG\u1eccC D\u01af\u01a0NG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, C\u00f4ng ty Lu\u1eadt ANVI, c\u0169ng nh\u1eadn \u0111\u1ecbnh h\u1ea7u nh\u01b0 nhi\u1ec1u v\u1ee5 vi\u1ec7c hi\u1ec7n nay d\u00f9 NH l\u00e0m sai th\u00ec tr\u01b0\u1edbc m\u1eaft h\u1eadu qu\u1ea3 kh\u00e1ch h\u00e0ng ph\u1ea3i g\u00e1nh ch\u1ecbu. C\u00f3 khi\u1ebfu n\u1ea1i th\u00ec l\u1ecbch s\u1eed \u0111en t\u1ed1i \u0111\u00f3 c\u0169ng s\u1ebd t\u1ed3n t\u1ea1i m\u1ed9t th\u1eddi gian kh\u00e1 d\u00e0i. \u0110\u1eb7c bi\u1ec7t trong vi\u1ec7c ch\u1ea1y \u0111ua m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n, thu h\u00fat kh\u00e1ch h\u00e0ng, nhi\u1ec1u nh\u00e2n vi\u00ean NH \u0111\u00e3 c\u1ed1 t\u00ecnh l\u00e0m sai quy tr\u00ecnh, m\u1eadp m\u1edd kh\u00f4ng gi\u1ea3i th\u00edch r\u00f5 v\u1edbi kh\u00e1ch h\u00e0ng v\u1ec1 c\u00e1c \u0111i\u1ec1u ki\u1ec7n hay m\u1ee9c ph\u00ed. B\u1ea3n th\u00e2n NH c\u0169ng l\u00e0m ng\u01a1 kh\u00f4ng gi\u00e1m s\u00e1t, ki\u1ec3m tra hay th\u1edd \u01a1 v\u1edbi ch\u00ednh kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh.<\/em><\/p>\n

Mai Ph\u01b0\u01a1ng<\/strong><\/p>\n

——-<\/p>\n

Thanh ni\u00ean (T\u00e0i ch\u00ednh \u2013 Kinh doanh) 20-6-2018:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/tai-chinh-kinh-doanh\/bong-dung-bi-phong-than-no-xau-975036.html<\/em><\/a><\/p>\n

(112\/1.551<\/em>","protected":false},"excerpt":{"rendered":"

(TN) – Nhi\u1ec1u kh\u00e1ch h\u00e0ng ph\u1ea3n \u00e1nh h\u1ecd b\u1ecb nh\u1eefng kho\u1ea3n n\u1ee3 \u201ct\u1eeb tr\u00ean tr\u1eddi r\u1edbt xu\u1ed1ng\u201d; c\u00f3 m\u00f3n n\u1ee3 ch\u1ec9 m\u1ed9t v\u00e0i ng\u00e0n \u0111\u1ed3ng; hay kho\u1ea3n vay thanh to\u00e1n ch\u1eadm ch\u01b0a \u0111\u1ea7y 1 th\u00e1ng… c\u0169ng b\u1ecb li\u1ec7t v\u00e0o d\u1ea1ng n\u1ee3 x\u1ea5u, th\u1eadm ch\u00ed n\u1ee3 c\u00f3 nguy c\u01a1 m\u1ea5t v\u1ed1n. R\u01a1i v\u00e0o nh\u00f3m nguy hi\u1ec3m […]<\/p>\n","protected":false},"author":3,"featured_media":19123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19112","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.197. 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