{"id":19596,"date":"2015-12-30T14:51:12","date_gmt":"2015-12-30T07:51:12","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19596"},"modified":"2022-04-27T16:58:29","modified_gmt":"2022-04-27T09:58:29","slug":"938-vay-tieu-dung-nghi-cang-ky-quyet-dinh-se-cang-khon-ngoan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/938-vay-tieu-dung-nghi-cang-ky-quyet-dinh-se-cang-khon-ngoan\/","title":{"rendered":"938. Vay ti\u00eau d\u00f9ng: Ngh\u0129 c\u00e0ng k\u1ef9, quy\u1ebft \u0111\u1ecbnh s\u1ebd c\u00e0ng kh\u00f4n ngoan"},"content":{"rendered":"(VOV.vn) – T\u1ea1i Vi\u1ec7t Nam, vay ti\u00eau d\u00f9ng d\u1ea7n tr\u1edf th\u00e0nh ho\u1ea1t \u0111\u1ed9ng thi\u1ebft y\u1ebfu, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u mua s\u1eafm, ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi nh\u00f3m thu nh\u1eadp th\u1ea5p.<\/strong><\/p>\n

V\u1edbi th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, th\u1eddi gian ho\u00e0n th\u00e0nh h\u1ee3p \u0111\u1ed3ng v\u00e0 ch\u1ea5p nh\u1eadn kho\u1ea3n vay nhanh ch\u00f3ng, vay ti\u00eau d\u00f9ng \u0111\u00e3 t\u1ea1o c\u01a1 h\u1ed9i cho ng\u01b0\u1eddi d\u00e2n mua s\u1eafm, k\u00edch c\u1ea7u ti\u00eau d\u00f9ng V\u1edbi th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, th\u1eddi gian ho\u00e0n th\u00e0nh h\u1ee3p \u0111\u1ed3ng v\u00e0 ch\u1ea5p nh\u1eadn kho\u1ea3n vay nhanh ch\u00f3ng, vay ti\u00eau d\u00f9ng \u0111\u00e3 t\u1ea1o c\u01a1 h\u1ed9i cho ng\u01b0\u1eddi d\u00e2n mua s\u1eafm, k\u00edch c\u1ea7u ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n, h\u1ed7 tr\u1ee3 s\u1ea3n xu\u1ea5t kinh doanh.<\/p>\n

Tuy nhi\u00ean, l\u1ee3i d\u1ee5ng s\u1ef1 thu\u1eadn ti\u1ec7n n\u00e0y kh\u00f4ng \u00edt kh\u00e1ch h\u00e0ng \u201cthi\u1ebfu tr\u00e1ch nhi\u1ec7m\u201d v\u1ed9i v\u00e3 vay ti\u00eau d\u00f9ng, khi ch\u01b0a t\u00ecm hi\u1ec3u k\u1ef9 c\u00e0ng v\u1ec1 d\u1ecbch v\u1ee5, \u0111\u1ec3 r\u1ed3i sau \u0111\u00f3 l\u1ea1i d\u1ea5y l\u00ean nh\u1eefng b\u0103n kho\u0103n, kh\u00f4ng h\u00e0i l\u00f2ng v\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00eau trong h\u1ee3p \u0111\u1ed3ng m\u00e0 ch\u00ednh h\u1ecd \u0111\u00e3 \u0111\u1eb7t b\u00fat k\u00fd.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, vay ti\u00eau d\u00f9ng \u0111ang d\u1ea7n tr\u1edf th\u00e0nh ho\u1ea1t \u0111\u1ed9ng c\u01a1 b\u1ea3n v\u00e0 thi\u1ebft y\u1ebfu, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u mua s\u1eafm, ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi nh\u00f3m ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p, h\u1ecdc sinh, sinh vi\u00ean. T\u1eeb mua tivi, t\u1ee7 l\u1ea1nh, m\u00e1y gi\u1eb7t hay mua tr\u1ea3 g\u00f3p \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng, m\u00e1y t\u00ednh b\u1ea3ng\u2026 vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean l\u1ef1a ch\u1ecdn nh\u01b0 m\u1ed9t nhu c\u1ea7u t\u1ea5t y\u1ebfu cho vi\u1ec7c \u201cd\u00f9ng tr\u01b0\u1edbc, tr\u1ea3 sau\u201d.<\/p>\n

Tuy nhi\u00ean, \u201cc\u00f3 vay, \u1eaft ph\u1ea3i c\u00f3 tr\u1ea3\u201d, ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng nhu c\u1ea7u vay ti\u00eau d\u00f9ng, th\u00ec c\u0169ng c\u1ea7n ph\u1ea3i \u201cc\u00f3 tr\u00e1ch nhi\u1ec7m\u201d khi c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 ho\u00e0n th\u00e0nh nhi\u1ec7m v\u1ee5 cho vay. \u0110\u00e2y ch\u00ednh l\u00e0 \u0111i\u1ec1u t\u1ed1i quan tr\u1ecdng \u0111\u1ec3 g\u1eafn k\u1ebft m\u1ed1i quan h\u1ec7 gi\u1eefa b\u00ean vay v\u00e0 cho vay, \u0111\u1ed3ng th\u1eddi, c\u0169ng l\u00e0 \u0111i\u1ec1u m\u00e0 t\u1ea5t c\u1ea3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh mong mu\u1ed1n \u1edf ng\u01b0\u1eddi vay.<\/p>\n

\u0110\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng l\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ch\u00ednh ng\u01b0\u1eddi ti\u00eau d\u00f9ng<\/em><\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho bi\u1ebft: \u201cTr\u00e1ch nhi\u1ec7m kh\u00e1i qu\u00e1t c\u1ee7a ng\u01b0\u1eddi d\u00e2n khi \u0111i vay l\u00e0 cung c\u1ea5p th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7, tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n v\u00e0 th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c cam k\u1ebft v\u1edbi t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. Tr\u00e1ch nhi\u1ec7m n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh \u0111\u1ea7y \u0111\u1ee7, c\u1ee5 th\u1ec3 \u00a0t\u1ea1i Quy\u1ebft \u0111\u1ecbnh 1627\/2001\/Q\u0110-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 quy ch\u1ebf cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n)\u201d.<\/em><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u00a0Vay ti\u00eau d\u00f9ng d\u1ea7n tr\u1edf th\u00e0nh ho\u1ea1t \u0111\u1ed9ng thi\u1ebft y\u1ebfu, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u mua s\u1eafm, ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nh\u01b0 v\u1eady, tr\u00e1ch nhi\u1ec7m ng\u01b0\u1eddi \u0111i vay tr\u01b0\u1edbc ti\u00ean c\u1ea7n l\u01b0u t\u00e2m t\u1edbi \u0111\u00f3 l\u00e0 xem k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 kho\u1ea3n vay, bao g\u1ed3m: L\u00e3i su\u1ea5t, s\u1ed1 ti\u1ec1n c\u1ea7n tr\u1ea3, \u0111i\u1ec1u kho\u1ea3n thanh to\u00e1n tr\u01b0\u1edbc h\u1ea1n, ph\u00ed ph\u1ea1t thanh to\u00e1n tr\u1ec5 h\u1ea1n, ng\u00e0y \u0111\u1ebfn h\u1ea1n thanh to\u00e1n, t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea3i thanh to\u00e1n cho to\u00e0n b\u1ed9 h\u1ee3p \u0111\u1ed3ng\u2026 B\u1edfi, ngh\u0129 c\u00e0ng k\u1ef9 c\u00e0ng, th\u00ec ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1ebd c\u00f3 nh\u1eefng quy\u1ebft \u0111\u1ecbnh kh\u00f4n ngoan v\u00e0 ch\u1eafc ch\u1eafn h\u01a1n. \u0110\u00e2y c\u0169ng ch\u00ednh l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh khi ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng.<\/em><\/p>\n

Quan tr\u1ecdng l\u00e0 v\u1eady nh\u01b0ng kh\u1ea3o s\u00e1t cho th\u1ea5y, hi\u1ec7n nay, v\u1eabn c\u00f2n kh\u00f4ng \u00edt ng\u01b0\u1eddi v\u00ec mong mu\u1ed1n \u0111\u01b0\u1ee3c vay \u0111\u00e3 v\u1ed9i v\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng khi ch\u01b0a t\u00ecm hi\u1ec3u k\u1ef9 c\u00e0ng v\u1ec1 d\u1ecbch v\u1ee5 vay ti\u00eau d\u00f9ng v\u00e0 xem x\u00e9t k\u1ef9 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. \u0110\u1ec3 r\u1ed3i, \u0111\u1ebfn khi \u0111\u1ebfn h\u1ea1n tr\u1ea3 n\u1ee3 m\u1edbi \u201cng\u00e3 ng\u1eeda\u201d nh\u1eadn ra r\u1eb1ng, l\u00e3i su\u1ea5t vay \u1edf m\u1ee9c t\u01b0\u01a1ng \u0111\u1ed1i cao v\u00e0 kh\u00f4ng \u0111\u1ee7 l\u1ef1c \u0111\u1ec3 chi tr\u1ea3 m\u1ee9c l\u00e3i \u0111\u00f3, th\u00ec \u00f4i th\u00f4i gi\u1ea5y tr\u1eafng m\u1ef1c \u0111en, h\u1ee3p \u0111\u1ed3ng c\u0169ng \u0111\u00e3 k\u00fd k\u1ebft!<\/p>\n

Trao \u0111\u1ed5i v\u1ec1 v\u1ea5n \u0111\u1ec1 tr\u00ean, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng: \u201cNguy\u00ean nh\u00e2n d\u1eabn t\u1edbi tr\u01b0\u1eddng h\u1ee3p tr\u00ean, ph\u1ea7n l\u1edbn l\u00e0 do kh\u00e1ch h\u00e0ng v\u1ed9i v\u00e3, kh\u00f4ng \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng v\u00e0 suy t\u00ednh k\u1ef9 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, kh\u00f4ng t\u00ednh to\u00e1n s\u1ed1 l\u00e3i c\u1ee5 th\u1ec3, cho d\u00f9 \u0111\u00e3 bi\u1ebft s\u1ed1 ti\u1ec1n vay v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3. T\u1ee9c l\u00e0 ng\u01b0\u1eddi vay \u0111\u00e3 kh\u00f4ng \u0111\u1ecbnh l\u01b0\u1ee3ng, m\u00e0 ch\u1ec9 theo \u0111\u1ecbnh t\u00ednh, c\u1ea3m t\u00ednh. \u0110\u1ebfn khi \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o s\u1ed1 ti\u1ec1n l\u00e3i th\u00ec l\u1ea1i th\u1ea5y cao h\u01a1n con s\u1ed1 m\u00e0 m\u00ecnh \u0111\u00e3 ngh\u0129. Tr\u00ean th\u1ef1c t\u1ebf, t\u1ea5t c\u1ea3 \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c ghi r\u00f5 tr\u00ean h\u1ee3p \u0111\u1ed3ng\u201d.<\/em><\/p>\n

Nh\u01b0 v\u1eady, kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh, khi vay ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng c\u1ea7n ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi kho\u1ea3n vay. Ngh\u0129a l\u00e0, khi tham kh\u1ea3o th\u00f4ng tin v\u1ec1 d\u1ecbch v\u1ee5 hay \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng c\u1ea7n ph\u1ea3i \u0111\u1ecdc th\u1eadt k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n, t\u1eeb quy\u1ec1n l\u1ee3i, tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u00ean vay v\u00e0 cho vay \u0111\u1ec3 ch\u1eafc ch\u1eafn l\u00e0 \u0111\u00e3 hi\u1ec3u r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3 v\u1ec1 t\u1ea5t c\u1ea3 m\u1ecdi v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn m\u00f3n vay ti\u00eau d\u00f9ng n\u00e0y.<\/p>\n

N\u00ean vay trong kh\u1ea3 n\u0103ng c\u00f3 th\u1ec3 chi tr\u1ea3<\/strong><\/p>\n

Kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh cho kho\u1ea3n vay l\u00e0 \u0111i\u1ec1u c\u1ea7n c\u00e2n nh\u1eafc ti\u1ebfp theo khi ng\u01b0\u1eddi vay \u0111\u00e3 \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng. \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o thanh to\u00e1n ti\u1ec1n l\u00e3i v\u00e0 g\u1ed1c m\u1ed7i th\u00e1ng cho kho\u1ea3n vay, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng c\u1ea7n x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c con s\u1ed1 mu\u1ed1n vay, \u0111\u1ec3 t\u1eeb \u0111\u00f3 nh\u1eadn \u0111\u1ecbnh kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. B\u1edfi l\u1ebd, khi ch\u1eadm tr\u1ec5 trong vi\u1ec7c thanh to\u00e1n th\u00ec ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1ebd ph\u1ea3i ch\u1ecbu m\u1ed9t s\u1ed1 m\u1ee9c ph\u00ed ph\u1ea1t nh\u01b0: Ph\u00ed ph\u1ea1t tr\u1ea3 ch\u1eadm, ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t t\u0103ng cao h\u01a1n ho\u1eb7c b\u1ecb gi\u1ea3m \u0111i\u1ec3m s\u1ed1 t\u00edn d\u1ee5ng v\u00e0 b\u1ecb li\u1ec7t v\u00e0o danh s\u00e1ch \u201c\u0111en\u201d.<\/p>\n

\"\"<\/p>\n

Vay ti\u00eau d\u00f9ng qua c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1c v\u1edbi vay ng\u00e2n h\u00e0ng th\u1ebf n\u00e0o?<\/a><\/strong><\/p>\n

VOV.VN -D\u1ecbch v\u1ee5 vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 nh\u1eefng \u0111i\u1ec3m kh\u00e1c c\u0103n b\u1ea3n v\u1edbi vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Ngo\u00e0i ra, khi l\u1ef1a ch\u1ecdn kho\u1ea3n vay, ng\u01b0\u1eddi vay c\u0169ng ph\u1ea3i \u0111\u1eb7c bi\u1ec7t ch\u00fa \u00fd \u0111\u1ebfn l\u00e3i su\u1ea5t, c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t v\u00e0 th\u1eafc m\u1eafc xem c\u00f3 b\u1ea5t k\u1ef3 s\u1ef1 thay \u0111\u1ed5i hay bi\u1ebfn \u0111\u1ed9ng n\u00e0o trong l\u00e3i su\u1ea5t hay kh\u00f4ng? Ng\u01b0\u1eddi vay c\u0169ng c\u1ea7n \u0111\u1ecdc k\u1ef9 v\u00e0 hi\u1ec3u r\u00f5 v\u1ec1 c\u00e1c con s\u1ed1 \u0111\u1ec3 kh\u00f4ng c\u00f2n l\u1ea5n c\u1ea5n, b\u0103n kho\u0103n v\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng, th\u1ee7 t\u1ee5c vay\u2026 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i t\u1ed1i thi\u1ec3u nh\u1ea5t c\u1ee7a m\u00ecnh. B\u1edfi v\u00ec, khi \u0111\u00e3 \u0111\u1eb7t b\u00fat k\u00fd \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u01b0\u1eddi vay \u0111\u1ed3ng \u00fd v\u1edbi t\u1ea5t c\u1ea3 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng.<\/p>\n

Song song v\u1edbi vi\u1ec7c n\u00e2ng cao \u201ctr\u00e1ch nhi\u1ec7m\u201d c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00ec c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng c\u1ea7n n\u00e2ng cao n\u0103ng l\u1ef1c c\u1ee7a c\u00e1c t\u01b0 v\u1ea5n vi\u00ean \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong th\u1ef1c hi\u1ec7n \u201ctr\u00e1ch nhi\u1ec7m\u201d c\u1ee7a m\u00ecnh.<\/p>\n

Hi\u1ec7n nay, nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 cam k\u1ebft \u0111\u1ea7u t\u01b0 l\u00e2u d\u00e0i v\u00e0 t\u1ef1 minh b\u1ea1ch cho m\u00ecnh b\u1eb1ng nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c. V\u00ed d\u1ee5 nh\u01b0 x\u00e1c l\u1eadp c\u00e1c quy tr\u00ecnh, nguy\u00ean t\u1eafc v\u00e0 chu\u1ea9n m\u1ef1c cho m\u1ecdi nh\u00e2n vi\u00ean khi giao d\u1ecbch v\u1edbi kh\u00e1ch h\u00e0ng ho\u1eb7c c\u00f3 nh\u1eefng ch\u01b0\u01a1ng tr\u00ecnh nh\u01b0 \u201cCh\u01b0\u01a1ng tr\u00ecnh h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1eb1ng ho\u00e0n tr\u1ea3 v\u1ed1n vay\u201d, cho ph\u00e9p kh\u00e1ch h\u00e0ng h\u1ee7y h\u1ee3p \u0111\u1ed3ng vay v\u00e0 chuy\u1ec3n sang h\u00ecnh th\u1ee9c mua th\u1eb3ng m\u00f3n h\u00e0ng trong v\u00f2ng 14 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y k\u00fd h\u1ee3p \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi c\u00e1c m\u1eb7t h\u00e0ng xe g\u1eafn m\u00e1y v\u00e0 h\u00e0ng ti\u00eau d\u00f9ng m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 th\u00eam b\u1ea5t k\u1ef3 kho\u1ea3n chi ph\u00ed n\u00e0o.\/.<\/p>\n

CTV L\u00ea An\/VOV.VN<\/strong><\/p>\n

————————————-<\/p>\n

VOV.vn (Kinh t\u1ebf) 30-12-2015:<\/em><\/strong><\/p>\n

http:\/\/vov.vn\/kinh-te\/thi-truong\/vay-tieu-dung-nghi-cang-ky-quyet-dinh-se-cang-khon-ngoan-464043.vov<\/em><\/a><\/p>\n

(337\/1.290)<\/em>","protected":false},"excerpt":{"rendered":"

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