{"id":21800,"date":"2014-08-06T11:10:45","date_gmt":"2014-08-06T04:10:45","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21800"},"modified":"2022-05-18T11:22:16","modified_gmt":"2022-05-18T04:22:16","slug":"538-lai-suat-cho-vay-nen-dan-chieu-phap-luat-chuyen-nganh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/538-lai-suat-cho-vay-nen-dan-chieu-phap-luat-chuyen-nganh\/","title":{"rendered":"538. L\u00e3i su\u1ea5t cho vay: N\u00ean d\u1eabn chi\u1ebfu ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh"},"content":{"rendered":"<p class=\"detail-sapo\"><strong>(TBNH) &#8211; \u0110\u1ed1i v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u1ea7n c\u00f3 l\u00e3i su\u1ea5t tham chi\u1ebfu, tham kh\u1ea3o th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, \u0111\u1ec1 ngh\u1ecb B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 t\u1ea1i ch\u00ednh \u0111i\u1ec1u kho\u1ea3n c\u1ea7n l\u00e3i su\u1ea5t tham chi\u1ebfu. \u0110\u1ed3ng th\u1eddi, quy \u0111\u1ecbnh nguy\u00ean t\u1eafc, th\u1ea9m quy\u1ec1n thay \u0111\u1ed5i m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 n\u00e0y trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n thi\u1ebft.<\/strong><\/p>\n<div class=\"category article-content __MASTERCMS_CONTENT __MB_CONTENT_FOR_PRINTER\">\n<div id=\"__MB_MASTERCMS_EL_3\" class=\"__MB_MASTERCMS_EL item-content\">\n<p>M\u1ed9t trong nh\u1eefng \u0111i\u1ec3m nh\u1ea5n quan tr\u1ecdng t\u1ea1i D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i) \u0111ang l\u1ea5y \u00fd ki\u1ebfn l\u1ea7n n\u00e0y li\u00ean quan \u0111\u1ebfn c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t. Trong \u0111\u00f3, m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, v\u1ed1n g\u00e2y nhi\u1ec1u tranh c\u00e3i trong th\u1eddi gian qua, \u0111\u00e3 \u0111\u01b0\u1ee3c lo\u1ea1i b\u1ecf.<\/p>\n<p>C\u1ee5 th\u1ec3, ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay \u0111ang \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 474 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005, trong tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i n\u1ee3 qu\u00e1 h\u1ea1n theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/thoibaonganhang.vn\/stores\/news_dataimages\/tbnh\/082014\/06\/09\/53e18e5a38ffb-medium20141117222642.4817330.jpg\" alt=\"\" width=\"485\" \/><br \/>\n<em>L\u00e3i su\u1ea5t lu\u00f4n l\u00e0 c\u00f4ng c\u1ee5 quan tr\u1ecdng \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7<\/em><\/p>\n<p>Tuy nhi\u00ean, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh, trong tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n trung b\u00ecnh c\u1ee7a c\u00e1c NHTM tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1ea1i th\u1eddi \u0111i\u1ec3m thanh to\u00e1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c, ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n<p>B\u00ecnh lu\u1eadn v\u1ec1 quy \u0111\u1ecbnh m\u1edbi n\u00e0y trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho bi\u1ebft, v\u1eabn c\u00f2n nhi\u1ec1u tranh c\u00e3i kh\u00e1c nhau xung quanh vi\u1ec7c quy \u0111\u1ecbnh l\u00e3i su\u1ea5t n\u00e0y c\u00f3 \u00e1p d\u1ee5ng chung cho t\u1ea5t c\u1ea3 c\u00e1c quan h\u1ec7 d\u00e2n s\u1ef1 hay ch\u1ec9 \u00e1p d\u1ee5ng cho ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n<p>\u00d4ng \u0110\u1ee9c \u0111\u1ec1 ngh\u1ecb xem l\u1ea1i quy \u0111\u1ecbnh trong tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n trung b\u00ecnh c\u1ee7a c\u00e1c NHTM. Quy \u0111\u1ecbnh nh\u01b0 v\u1eady r\u1ea5t kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00e2n, v\u00ec g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ch\u00ednh x\u00e1c m\u1ee9c l\u00e3i su\u1ea5t, trong khi tranh ch\u1ea5p d\u00e2n s\u1ef1 v\u1ec1 l\u00e3i su\u1ea5t l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ed5 bi\u1ebfn, v\u1edbi quy m\u00f4 l\u1edbn nh\u1ecf kh\u00e1c nhau, n\u00ean c\u0103n c\u1ee9 n\u00e0y c\u0169ng s\u1ebd g\u00e2y ra nhi\u1ec1u kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc.<\/p>\n<p>\u201cQuy \u0111\u1ecbnh n\u00e0y ch\u1ec9 kh\u1ea3 thi v\u00e0 h\u1ee3p l\u00fd n\u1ebfu nh\u01b0 giao cho m\u1ed9t c\u01a1 quan n\u00e0o \u0111\u00f3 t\u00ednh to\u00e1n c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t trung b\u00ecnh theo \u0111\u1ecbnh k\u1ef3 \u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf cho ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt th\u1ef1c hi\u1ec7n\u201d, \u00f4ng \u0110\u1ee9c cho bi\u1ebft.<\/p>\n<p>Ph\u00eda NHNN c\u0169ng nh\u1ea5t tr\u00ed v\u1edbi vi\u1ec7c b\u1ecf quy \u0111\u1ecbnh s\u1eed d\u1ee5ng l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u1ec3 tham chi\u1ebfu trong c\u00e1c quan h\u1ec7 d\u00e2n s\u1ef1, v\u00ec theo th\u00f4ng l\u1ec7, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n ch\u1ec9 l\u00e0 m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t chung v\u1edbi m\u1ee5c \u0111\u00edch \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7.<\/p>\n<p>Tuy nhi\u00ean, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u01b0a ra l\u00e3i su\u1ea5t tham chi\u1ebfu l\u00e0 l\u00e3i su\u1ea5t trung b\u00ecnh c\u1ee7a c\u00e1c NHTM l\u00e0 r\u1ea5t kh\u00f3 kh\u0103n khi \u00e1p d\u1ee5ng, v\u00ec s\u1ed1 l\u01b0\u1ee3ng c\u00e1c NHTM r\u1ea5t l\u1edbn, m\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 nhi\u1ec1u m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1c nhau \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i k\u1ef3 h\u1ea1n, kh\u00e1ch h\u00e0ng, th\u1eddi \u0111i\u1ec3m kh\u00e1c nhau. Ngo\u00e0i ra, l\u00e3i su\u1ea5t n\u00e0y do c\u00e1c NHTM quy\u1ebft \u0111\u1ecbnh v\u00e0 c\u00f3 th\u1ec3 th\u01b0\u1eddng xuy\u00ean bi\u1ebfn \u0111\u1ed9ng. M\u1eb7t kh\u00e1c, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169ng kh\u00f4ng quy \u0111\u1ecbnh &#8220;c\u00e1c NHTM&#8221; l\u00e0 bao nhi\u00eau ng\u00e2n h\u00e0ng.<\/p>\n<p>Do \u0111\u00f3, \u0111\u1ed1i v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u1ea7n c\u00f3 l\u00e3i su\u1ea5t tham chi\u1ebfu, tham kh\u1ea3o th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, \u0111\u1ec1 ngh\u1ecb B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 t\u1ea1i ch\u00ednh \u0111i\u1ec1u kho\u1ea3n c\u1ea7n l\u00e3i su\u1ea5t tham chi\u1ebfu. \u0110\u1ed3ng th\u1eddi, quy \u0111\u1ecbnh nguy\u00ean t\u1eafc, th\u1ea9m quy\u1ec1n thay \u0111\u1ed5i m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 n\u00e0y trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n thi\u1ebft.<\/p>\n<p>Li\u00ean quan \u0111\u1ebfn quy \u0111\u1ecbnh v\u1ec1 l\u00e3i n\u1ee3 qu\u00e1 h\u1ea1n, NHNN \u0111\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh theo h\u01b0\u1edbng v\u1edbi tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 n\u1ee3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 theo th\u1ecfa thu\u1eadn, tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c th\u00ec \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 do B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh. L\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n t\u1ed1i \u0111a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh b\u1eb1ng 150% l\u00e3i su\u1ea5t \u0111\u00e3 th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng vay ban \u0111\u1ea7u \u0111\u1ec3 thu\u1eadn ti\u1ec7n trong vi\u1ec7c \u00e1p d\u1ee5ng, x\u00e1c \u0111\u1ecbnh l\u00e3i n\u1ee3 qu\u00e1 h\u1ea1n.<\/p>\n<p>\u0110\u1ed1i v\u1edbi l\u00e3i su\u1ea5t cho vay, NHNN \u0111\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i theo h\u01b0\u1edbng lo\u1ea1i tr\u1eeb quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay t\u1ea1i \u0110i\u1ec1u n\u00e0y \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c TCTD. N\u00f3i c\u00e1ch kh\u00e1c, quy \u0111\u1ecbnh theo h\u01b0\u1edbng d\u1eabn chi\u1ebfu ph\u00e1p lu\u1eadt chuy\u00ean ng\u00e0nh \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c TCTD.<\/p>\n<p>\u0110\u1ed1i v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c h\u1ee3p \u0111\u1ed3ng d\u00e2n s\u1ef1 kh\u00e1c, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u00ean \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i theo h\u01b0\u1edbng: trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn th\u00ec \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn. Quy \u0111\u1ecbnh n\u00e0y nh\u1eb1m t\u00f4n tr\u1ecdng quy\u1ec1n t\u1ef1 do, t\u1ef1 th\u1ecfa thu\u1eadn v\u00e0 t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c b\u00ean trong quan h\u1ec7 d\u00e2n s\u1ef1, m\u00e0 kh\u00f4ng n\u00ean kh\u1ed1ng ch\u1ebf m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn. N\u1ebfu cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 cao th\u00ec \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 \u0111\u1ec3 x\u1eed l\u00fd (\u0110i\u1ec1u 163 T\u1ed9i cho vay l\u00e3i n\u1eb7ng). Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn ho\u1eb7c kh\u00f4ng th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c th\u00ec \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 do B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh.<\/p>\n<p>Ngo\u00e0i ra, NHNN c\u0169ng \u0111\u1ec1 ngh\u1ecb b\u1ecf quy \u0111\u1ecbnh giao NHNN h\u01b0\u1edbng d\u1eabn quy \u0111\u1ecbnh v\u00ec kh\u00f4ng thu\u1ed9c ph\u1ea1m vi qu\u1ea3n l\u00fd c\u1ee7a NHNN. NHNN ch\u1ec9 qu\u1ea3n l\u00fd \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c TCTD, kh\u00f4ng qu\u1ea3n l\u00fd \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay d\u00e2n s\u1ef1. M\u1eb7t kh\u00e1c, vi\u1ec7c quy \u0111\u1ecbnh nh\u01b0 t\u1ea1i D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 th\u00ec NHNN kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 \u0111\u1ec3 h\u01b0\u1edbng d\u1eabn.<\/p>\n<table border=\"1\" align=\"center\">\n<tbody>\n<tr>\n<td>V\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi nghi\u00ean c\u1ee9u, \u00f4ng Ph\u1ea1m Xu\u00e2n Ho\u00e8, Ph\u00f3 v\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 (NHNN) cho r\u1eb1ng, n\u00ean quy \u0111\u1ecbnh h\u1eb3n v\u00e0o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 v\u1ea5n \u0111\u1ec1 v\u1ec1 l\u00e3i su\u1ea5t. C\u1ee5 th\u1ec3, l\u00e3i su\u1ea5t \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 t\u00ednh khi ph\u1ea1t qu\u00e1 h\u1ea1n gi\u1eefa c\u00e1c b\u00ean c\u00f3 th\u1ec3 c\u0103n c\u1ee9 v\u00e0o l\u00e3i su\u1ea5t t\u00edn phi\u1ebfu kho b\u1ea1c v\u00e0 l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu kho b\u1ea1c c\u00f9ng th\u1eddi \u0111i\u1ec3m. L\u00fd do l\u00e0 v\u00ec m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ea5u th\u1ea7u ho\u1eb7c \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh quy \u0111\u1ecbnh. Nh\u01b0ng \u0111i\u1ec3m quan tr\u1ecdng nh\u1ea5t l\u00e0 n\u00f3 c\u00f3 l\u1ee3i cho c\u00e1c b\u00ean. \u0110\u00e3 tranh ch\u1ea5p qu\u00e1 h\u1ea1n r\u1ed3i th\u00ec b\u00ean c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 s\u1ebd kh\u00f4ng ch\u1ecbu \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t cao. Ngo\u00e0i ra, v\u00ec \u0111\u00f3 c\u00f2n l\u00e0 n\u1ec1n t\u1ea3ng c\u1ee7a \u0111\u01b0\u1eddng cong l\u00e3i su\u1ea5t c\u1ee7a Vi\u1ec7t Nam.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><strong>D\u01b0\u01a1ng C\u00f4ng Chi\u1ebfn<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Th\u1eddi b\u00e1o Ng\u00e2n h\u00e0ng (Ti\u1ec1n t\u1ec7) 06-8-2014:<\/em><\/strong><\/p>\n<p>https:\/\/thoibaonganhang.vn\/lai-suat-cho-vay-nen-dan-chieu-phap-luat-chuyen-nganh-4327.html<\/p>\n<p><em>(216\/1.251)<\/em>","protected":false},"excerpt":{"rendered":"<p>(TBNH) &#8211; \u0110\u1ed1i v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u1ea7n c\u00f3 l\u00e3i su\u1ea5t tham chi\u1ebfu, tham kh\u1ea3o th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, \u0111\u1ec1 ngh\u1ecb B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 t\u1ea1i ch\u00ednh \u0111i\u1ec1u kho\u1ea3n c\u1ea7n l\u00e3i su\u1ea5t tham chi\u1ebfu. \u0110\u1ed3ng th\u1eddi, quy \u0111\u1ecbnh nguy\u00ean t\u1eafc, th\u1ea9m quy\u1ec1n [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":21817,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>538. 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