{"id":21805,"date":"2014-08-19T11:10:50","date_gmt":"2014-08-19T04:10:50","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21805"},"modified":"2022-05-18T11:37:26","modified_gmt":"2022-05-18T04:37:26","slug":"543-cho-vay-tin-chap-ngan-hang-co-nguy-co-mat-trang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/543-cho-vay-tin-chap-ngan-hang-co-nguy-co-mat-trang\/","title":{"rendered":"543. Cho vay t\u00edn ch\u1ea5p: Ng\u00e2n h\u00e0ng c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng"},"content":{"rendered":"(TBKD) – \u201cC\u01a1m l\u00e0nh, canh ng\u1ecdt\u201d th\u00ec ch\u1eb3ng sao, nh\u01b0ng khi DN l\u00e0m \u0103n b\u1ebft b\u00e1t, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f2n n\u01b0\u1edbc m\u1ea5t tr\u1eafng n\u1ebfu kh\u00f4ng \u0111\u00f2i \u0111\u01b0\u1ee3c. \u0110\u1ea5y ch\u00ednh l\u00e0 l\u00fd do v\u00ec sao c\u00e1c ng\u00e2n h\u00e0ng r\u1ea5t ng\u1ea1i cho vay t\u00edn ch\u1ea5p, b\u1edfi ch\u1eb3ng bi\u1ebft n\u1eafm v\u00e0o \u0111\u00e2u \u0111\u1ec3 thu h\u1ed3i v\u1ed1n, khi c\u00f3 r\u1ee7i ro x\u1ea3y ra.<\/strong><\/p>\n

Ch\u00ednh ph\u1ee7 v\u1eeba ban h\u00e0nh Ch\u1ec9 th\u1ecb 25 v\u1ec1 vi\u1ec7c \u0111i\u1ec1u h\u00e0nh th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 t\u00e0i ch\u00ednh – ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m, trong \u0111\u00f3 ch\u1ec9 \u0111\u1ea1o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) ch\u1ee7 \u0111\u1ed9ng ti\u1ebfp c\u1eadn DN \u0111\u1ec3 t\u01b0 v\u1ea5n cho vay c\u00e1c d\u1ef1 \u00e1n, ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh c\u00f3 hi\u1ec7u qu\u1ea3. C\u00f2n \u0111\u1ed1i v\u1edbi NHNN, ch\u1ec9 th\u1ecb n\u00eau \u0111\u1ecbnh h\u01b0\u1edbng: khuy\u1ebfn kh\u00edch \u00e1p d\u1ee5ng c\u00e1c h\u00ecnh th\u1ee9c \u0111\u00e1nh gi\u00e1 t\u00edn nhi\u1ec7m \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng cho vay t\u00edn ch\u1ea5p, c\u01a1 c\u1ea5u l\u1ea1i c\u00e1c kho\u1ea3n vay v\u1ed1n l\u00e3i su\u1ea5t cao tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

S\u1ed1t ru\u1ed9t v\u1edbi t\u00edn d\u1ee5ng<\/strong><\/p>\n

Cu\u1ed1i th\u00e1ng 7 v\u1eeba qua, NHNN c\u0169ng \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n y\u00eau c\u1ea7u c\u00e1c TCTD t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng cho vay kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n. \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ed7 l\u1ef1c c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 NHNN trong vi\u1ec7c \u0111\u1ea9y v\u1ed1n ra n\u1ec1n kinh t\u1ebf trong nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m.<\/p>\n

Theo NHNN, 7 th\u00e1ng \u0111\u1ea7u n\u0103m, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng m\u1edbi ch\u1ec9 \u1edf m\u1ee9c 3,68%. M\u1ee9c t\u0103ng n\u00e0y qu\u00e1 th\u1ea5p so v\u1edbi ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng tr\u00ean 10% c\u1ee7a NHNN trong n\u0103m 2014.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, \u0111\u1ea1i di\u1ec7n NHNN cho bi\u1ebft \u0111\u1ec3 k\u00edch c\u1ea7u t\u00edn d\u1ee5ng nh\u1eefng th\u00e1ng c\u00f2n l\u1ea1i, NHNN \u0111\u00e3 xem x\u00e9t v\u00e0 cho ph\u00e9p m\u1ed9t s\u1ed1 TCTD \u0111i\u1ec1u ch\u1ec9nh t\u0103ng ch\u1ec9 ti\u00eau t\u00edn d\u1ee5ng n\u0103m 2014 v\u00e0 m\u1edf r\u1ed9ng \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay ngo\u1ea1i t\u1ec7.
\nKh\u00f4ng ch\u1ec9 s\u1ed1t ru\u1ed9t v\u1edbi t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, Ch\u00ednh ph\u1ee7 c\u00f2n lo t\u00ecnh tr\u1ea1ng \u201cd\u1ed3n toa\u201d t\u00edn d\u1ee5ng nh\u01b0 nh\u1eefng n\u0103m tr\u01b0\u1edbc. V\u1eady nh\u01b0ng, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 b\u00e0i to\u00e1n t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ph\u00e1t huy t\u00e1c d\u1ee5ng trong \u0111i\u1ec1u ki\u1ec7n nhu c\u1ea7u v\u1ed1n c\u1ee7a n\u1ec1n kinh t\u1ebf \u0111ang b\u1ecb suy ki\u1ec7t?<\/p>\n

Theo b\u00e1o c\u00e1o c\u1eadp nh\u1eadt c\u1ee7a \u1ee6y ban Gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh Qu\u1ed1c gia, t\u00edn d\u1ee5ng t\u0103ng th\u1ea5p l\u00e0 do DN c\u00f2n kh\u00f3 kh\u0103n, nh\u1ea5t l\u00e0 trong kh\u00e2u ti\u00eau th\u1ee5 s\u1ea3n ph\u1ea9m v\u00e0 chi ph\u00ed v\u1ed1n c\u00f2n cao. \u0110\u1ea7u t\u01b0 t\u01b0 nh\u00e2n trong n\u1eeda \u0111\u1ea7u n\u0103m 2014 ch\u1ec9 \u1edf m\u1ee9c 10,3% GDP, th\u1ea5p h\u01a1n m\u1ee9c 11,1% GDP c\u00f9ng k\u1ef3 n\u0103m 2013. Th\u1ef1c t\u1ebf n\u00e0y cho th\u1ea5y r\u1eb1ng khu v\u1ef1c \u0111\u1ea7u t\u01b0 t\u01b0 nh\u00e2n \u0111ang b\u1ecb ch\u00e8n \u00e9p v\u00e0 s\u1ee5t gi\u1ea3m \u0111\u00e1ng lo ng\u1ea1i.<\/p>\n

V\u1edbi th\u1ef1c tr\u1ea1ng n\u00e0y, gi\u1ea3i ph\u00e1p cho vay t\u00edn ch\u1ea5p c\u00f3 th\u1ec3 k\u00edch c\u1ea7u t\u00edn d\u1ee5ng hay ch\u1ec9 l\u00e0m gia t\u0103ng r\u1ee7i ro n\u1ee3 x\u1ea5u cho ng\u00e2n h\u00e0ng? Theo gi\u1edbi chuy\u00ean gia, gi\u1ea3i ph\u00e1p n\u00e0y c\u0169ng s\u1ebd kh\u00f4ng kh\u1ea3 thi, b\u1edfi \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, Ch\u00ednh ph\u1ee7 c\u1ea7n ph\u1ea3i c\u00f3 ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 \u0111\u1ec3 l\u01b0u th\u00f4ng h\u00e0ng h\u00f3a, th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n.<\/p>\n

\u201cC\u1ea7u th\u1ecb tr\u01b0\u1eddng ph\u1ea3i t\u0103ng th\u00ec DN m\u1edbi b\u00e1n \u0111\u01b0\u1ee3c h\u00e0ng v\u00e0 m\u1edbi ph\u00e1t sinh nhu c\u1ea7u vay v\u1ed1n. Ng\u00e2n h\u00e0ng c\u0169ng nh\u00ecn th\u1ea5y s\u1ef1 tr\u00f4i ch\u1ea3y m\u1edbi d\u00e1m \u0111\u1ea9y m\u1ea1nh cho vay, ch\u1ee9 c\u00f3 khuy\u1ebfn kh\u00edch ki\u1ec3u g\u00ec m\u00e0 c\u1ea7u kh\u00f4ng c\u00f3 th\u00ec c\u0169ng r\u1ea5t kh\u00f3 \u0111\u1ea9y m\u1ea1nh cho vay\u201d, m\u1ed9t chuy\u00ean gia ng\u00e2n h\u00e0ng b\u00ecnh lu\u1eadn.<\/p>\n

\"\"<\/p>\n

DN c\u00f3 vay \u0111\u01b0\u1ee3c hay kh\u00f4ng h\u00e3y c\u1ee9 \u0111\u1ec3 cho quy lu\u1eadt th\u1ecb tr\u01b0\u1eddng t\u1ef1 quy\u1ebft \u0111\u1ecbnh<\/em><\/p>\n

B\u00ecnh lu\u1eadn v\u1ec1 khuy\u1ebfn kh\u00edch cho vay t\u00edn ch\u1ea5p c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 NHNN, gi\u1edbi chuy\u00ean gia cho r\u1eb1ng m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay \u0111ang \u1edf m\u1ee9c th\u1ea5p v\u00e0 c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng s\u1ebd gi\u1ea3m ti\u1ebfp, c\u00f2n n\u1ec1n kinh t\u1ebf \u0111ang c\u00f3 nh\u1eefng chuy\u1ec3n bi\u1ebfn v\u1ec1 ch\u1ea5t, th\u1ecb tr\u01b0\u1eddng k\u1ef3 v\u1ecdng v\u1ec1 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay t\u00edn ch\u1ea5p. Tuy nhi\u00ean, \u0111\u1ec3 m\u1edf r\u1ed9ng cho vay t\u00edn ch\u1ea5p trong \u0111i\u1ec1u ki\u1ec7n hi\u1ec7n nay th\u00ec c\u00e1c TCTD ch\u01b0a th\u1ec3, v\u00ec c\u00f2n qu\u00e1 nhi\u1ec1u r\u1ee7i ro.<\/p>\n

Nguy c\u01a1 m\u1ea5t tr\u1eafng?<\/strong><\/p>\n

\u201cTrong \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf c\u00f2n ph\u1ee5c h\u1ed3i ch\u1eadm v\u00e0 \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u r\u1ee7i ro th\u00ec kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n hi\u1ec7u qu\u1ea3 d\u1ef1 \u00e1n kinh doanh c\u1ee7a DN c\u0169ng \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u r\u1ee7i ro. Quan tr\u1ecdng h\u01a1n, khi ho\u1ea1t \u0111\u1ed9ng cho vay t\u00edn ch\u1ea5p, c\u00e1c TCTD kh\u00f4ng bi\u1ebft ph\u1ea3i thu th\u1eadp th\u00f4ng tin v\u00e0 \u0111\u00e1nh gi\u00e1 t\u00edn nhi\u1ec7m kh\u00e1ch h\u00e0ng \u1edf t\u1ed5 ch\u1ee9c \u0111\u00e1nh gi\u00e1 t\u00edn nhi\u1ec7m n\u00e0o\u201d, v\u1ecb n\u00e0y b\u00ecnh lu\u1eadn.<\/em><\/p>\n

Theo v\u1ecb n\u00e0y, hi\u1ec7n c\u00e1c TCTD Vi\u1ec7t Nam ch\u1ec9 c\u00f3 k\u00eanh ch\u00ednh th\u1ed1ng l\u00e0 s\u1eed d\u1ee5ng k\u1ebft qu\u1ea3 x\u1ebfp h\u1ea1ng kh\u00e1ch h\u00e0ng do Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia cung c\u1ea5p, nh\u01b0ng k\u00eanh n\u00e0y ch\u1ec9 c\u00f3 \u00fd ngh\u0129a tham kh\u1ea3o v\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 ho\u1eb7c b\u1ea3o l\u00e3nh, t\u00ecnh tr\u1ea1ng vay n\u1ee3 c\u1ee7a DN ch\u1ee9 kh\u00f4ng ph\u1ea3i th\u00f4ng tin v\u1ec1 ch\u1ec9 s\u1ed1 n\u0103ng l\u1ef1c, t\u00edn nhi\u1ec7m.\u00a0<\/em><\/p>\n

Trong khi \u0111\u00f3, ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a ng\u00e2n h\u00e0ng v\u1ed1n nhi\u1ec1u r\u1ee7i ro, nh\u1eefng TCTD r\u1ea5t kh\u00f3 thu h\u1ed3i n\u1ee3, ngay c\u1ea3 tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, m\u00e0 nguy\u00ean nh\u00e2n \u0111\u01a1n gi\u1ea3n l\u00e0 do kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng thanh to\u00e1n, vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u0169ng m\u1ea5t nhi\u1ec1u th\u1eddi gian. V\u1eady n\u00ean cho vay t\u00edn ch\u1ea5p c\u00f2n r\u1ee7i ro h\u01a1n nhi\u1ec1u \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, trong tr\u01b0\u1eddng h\u1ee3p DN vay t\u00edn ch\u1ea5p c\u1ee7a ng\u00e2n h\u00e0ng m\u00e0 b\u1ecb ph\u00e1 s\u1ea3n th\u00ec t\u00e0i s\u1ea3n thanh l\u00fd c\u0169ng kh\u00f4ng \u01b0u ti\u00ean cho kho\u1ea3n vay n\u00e0y.
\n\u201cTr\u01b0\u1edbc h\u1ebft l\u00e0 chi ph\u00ed ph\u00e1 s\u1ea3n, chi ph\u00ed cho ng\u01b0\u1eddi lao \u0111\u1ed9ng sau \u0111\u00f3 m\u1edbi \u0111\u1ebfn chi ph\u00ed cho c\u00e1c kho\u1ea3n n\u1ee3. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi chi ph\u00ed cho c\u00e1c kho\u1ea3n n\u1ee3 th\u00ec nh\u1eefng kho\u1ea3n n\u1ee3 c\u00f3 \u0111\u1ea3m b\u1ea3o s\u1ebd \u0111\u01b0\u1ee3c \u01b0u ti\u00ean x\u1eed l\u00fd tr\u01b0\u1edbc r\u1ed3i m\u1edbi \u0111\u1ebfn nh\u1eefng kho\u1ea3n n\u1ee3 th\u01b0\u1eddng. [1]<\/strong><\/a> Do v\u1eady, nh\u1eefng kho\u1ea3n vay t\u00edn ch\u1ea5p n\u00e0y n\u1ebfu mu\u1ed1n \u0111\u00f2i \u0111\u01b0\u1ee3c th\u00ec ph\u1ea3i kh\u1edfi ki\u1ec7n, nh\u01b0ng th\u1eafng ki\u1ec7n r\u1ed3i \u0111\u1ec3 l\u00e0m g\u00ec khi m\u00e0 DN kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3?\u201d, \u00f4ng \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n

Tuy v\u1eady, \u0111\u1ec3 \u0111\u1ea9y m\u1ea1nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nhi\u1ec1u ng\u00e2n h\u00e0ng v\u1eabn xem x\u00e9t cho vay t\u00edn ch\u1ea5p nh\u01b0ng tr\u00ean c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng th\u00e2n thi\u1ebft \u0111ang c\u00f3 kho\u1ea3n n\u1ee3 t\u1ea1i ng\u00e2n h\u00e0ng v\u00e0 c\u00f3 ph\u01b0\u01a1ng \u00e1n kinh doanh t\u1ed1t, thi\u1ebfu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.\u00a0<\/em><\/p>\n

C\u00f2n v\u1edbi nh\u1eefng DN c\u00f3 n\u1ee3 x\u1ea5u m\u00e0 c\u00f3 ph\u01b0\u01a1ng \u00e1n kinh doanh t\u1ed1t nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00e0 kh\u00e1ch h\u00e0ng th\u00e2n thi\u1ebft th\u00ec c\u0169ng r\u1ea5t kh\u00f3 vay, v\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n c\u1ee7a DN \u0111\u00f3. Th\u1ef1c t\u1ebf, c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn ch\u01b0a d\u00e1m li\u1ec1u l\u0129nh m\u1edf r\u1ed9ng cho vay t\u00edn ch\u1ea5p m\u1ed9t c\u00e1ch \u1ed3 \u1ea1t b\u1edfi nhi\u1ec1u l\u00fd do kh\u00e1ch quan v\u00e0 ch\u1ee7 quan.
\nTuy nhi\u00ean, t\u1eeb g\u00f3c \u0111\u1ed9 chuy\u00ean gia, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 cho vay hay kh\u00f4ng, DN c\u00f3 vay \u0111\u01b0\u1ee3c hay kh\u00f4ng h\u00e3y c\u1ee9 \u0111\u1ec3 cho quy lu\u1eadt th\u1ecb tr\u01b0\u1eddng t\u1ef1 quy\u1ebft \u0111\u1ecbnh. Ng\u00e2n h\u00e0ng r\u1ea5t mu\u1ed1n cho vay nh\u01b0ng h\u1ecd kh\u00f4ng tin t\u01b0\u1edfng kh\u00e1ch h\u00e0ng n\u00ean kh\u00f4ng d\u00e1m cho vay.
\nN\u1ebfu mu\u1ed1n DN vay \u0111\u01b0\u1ee3c v\u1ed1n theo t\u00edn ch\u1ea5p, Ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 \u0111\u01b0a ra ch\u00ednh s\u00e1ch khuy\u1ebfn kh\u00edch h\u1ed7 tr\u1ee3 c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, DN ch\u1ee9 ch\u1ec9 k\u00eau g\u1ecdi nh\u01b0 hi\u1ec7n nay th\u00ec s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n v\u00ec n\u1ee3 x\u1ea5u m\u00e0 t\u0103ng l\u00ean, v\u1ed1n m\u1ea5t th\u00ec ch\u1ec9 c\u00f3 ng\u00e2n h\u00e0ng ch\u1ecbu.<\/em><\/p>\n

Hu\u1ec7 V\u0103n<\/strong><\/p>\n

[1]<\/a> \u0110\u00fang ra \u0111\u00e3 n\u00f3i: N\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c \u01b0u ti\u00ean \u0111\u1ea7u ti\u00ean.<\/p>\n

——————<\/p>\n

Th\u1eddi b\u00e1o Kinh doanh (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 19-8-2014:<\/em><\/strong><\/p>\n

http:\/\/thoibaokinhdoanh.vn\/tai-chinh-ngan-hang\/cho-vay-tin-chap-ngan-hang-co-nguy-co-mat-trang.html<\/em><\/p>\n

(573\/1.275)<\/em>","protected":false},"excerpt":{"rendered":"

(TBKD) – \u201cC\u01a1m l\u00e0nh, canh ng\u1ecdt\u201d th\u00ec ch\u1eb3ng sao, nh\u01b0ng khi DN l\u00e0m \u0103n b\u1ebft b\u00e1t, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec ng\u00e2n h\u00e0ng ch\u1ec9 c\u00f2n n\u01b0\u1edbc m\u1ea5t tr\u1eafng n\u1ebfu kh\u00f4ng \u0111\u00f2i \u0111\u01b0\u1ee3c. \u0110\u1ea5y ch\u00ednh l\u00e0 l\u00fd do v\u00ec sao c\u00e1c ng\u00e2n h\u00e0ng r\u1ea5t ng\u1ea1i cho vay t\u00edn ch\u1ea5p, b\u1edfi ch\u1eb3ng bi\u1ebft n\u1eafm v\u00e0o […]<\/p>\n","protected":false},"author":10,"featured_media":21824,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n543. 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