{"id":24364,"date":"2019-09-16T15:03:19","date_gmt":"2019-09-16T08:03:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24364"},"modified":"2022-06-01T15:20:38","modified_gmt":"2022-06-01T08:20:38","slug":"2-344-nguy-co-tin-dung-ma-tu-viec-cho-vay-cam-co-so-tiet-kiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-344-nguy-co-tin-dung-ma-tu-viec-cho-vay-cam-co-so-tiet-kiem\/","title":{"rendered":"2.344. Nguy c\u01a1 \u201ct\u00edn d\u1ee5ng ma\u201d t\u1eeb vi\u1ec7c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m"},"content":{"rendered":"(CAND) – M\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ph\u00e1t \u0111i v\u0103n b\u1ea3n c\u1ea3nh b\u00e1o c\u00e1c ng\u00e2n h\u00e0ng v\u1ec1 vi\u1ec7c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m nh\u01b0ng kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n vay. \u0110\u1ed9ng th\u00e1i n\u00e0y c\u1ee7a nh\u00e0 \u0111i\u1ec1u h\u00e0nh \u201cx\u1edbi\u201d l\u00ean m\u1ed9t g\u00f3c khu\u1ea5t trong ng\u00e0nh t\u00e0i ch\u00ednh m\u00e0 l\u00e2u nay \u0111ang \u00e2m th\u1ea7m g\u00e2y nhi\u1ec1u h\u1ec7 l\u1ee5y…<\/strong><\/p>\n
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\u201cChi\u00eau\u201d c\u1ea1nh tr\u1ea1nh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng<\/strong><\/p>\n

Cho vay c\u1ea7m c\u1ed1 b\u1eb1ng s\u1ed5 ti\u1ebft ki\u1ec7m kh\u00f4ng ph\u1ea3i l\u00e0 nghi\u1ec7p v\u1ee5 m\u1edbi trong ng\u00e0nh ng\u00e2n h\u00e0ng, v\u00e0 n\u00f3 c\u0169ng kh\u00f4ng phi ph\u00e1p. Trong th\u1ef1c t\u1ebf, vi\u1ec7c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 s\u1ea3n ph\u1ea9m ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ecb tr\u01b0\u1eddng, th\u1eadm ch\u00ed, nhi\u1ec1u ng\u00e2n h\u00e0ng cho vay v\u1edbi h\u1ea1n m\u1ee9c l\u00ean t\u1edbi 100% gi\u00e1 tr\u1ecb s\u1ed5.<\/p>\n

C\u00f3 ngh\u0129a, n\u1ebfu s\u1ed5 ti\u1ebft ki\u1ec7m 1 t\u1ef7 \u0111\u1ed3ng, kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay l\u00ean t\u1edbi 1 t\u1ef7 \u0111\u1ed3ng. \u0110\u1eb7c bi\u1ec7t, v\u1edbi h\u00ecnh th\u1ee9c cho vay n\u00e0y, h\u1ea7u h\u1ebft ng\u00e2n h\u00e0ng \u0111\u1ec1u gi\u1ea3i ng\u00e2n ngay l\u1eadp t\u1ee9c m\u00e0 kh\u00f4ng c\u1ea7n h\u1ecfi nhu c\u1ea7u vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng. Th\u1eadm ch\u00ed, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f2n cho ph\u00e9p kh\u00e1ch h\u00e0ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m online. Theo \u0111\u00f3, kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n m\u1edf h\u1ea1n m\u1ee9c v\u00e0 \u0111\u0103ng k\u00fd vay th\u1ea5u chi tr\u00ean internet banking ho\u1eb7c mobile banking l\u00e0 ti\u1ec1n vay v\u1ec1 ngay t\u00e0i kho\u1ea3n, kh\u00f4ng c\u1ea7n k\u00ea khai b\u1ea5t k\u1ef3 \u0111i\u1ec1u g\u00ec v\u1ec1 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng.<\/p>\n

\u0110i\u1ec1u n\u00e0y b\u1eaft ngu\u1ed3n t\u1eeb th\u1ef1c t\u1ebf nhu c\u1ea7u c\u1ee7a ch\u00ednh ng\u01b0\u1eddi d\u00e2n. V\u00ed d\u1ee5, m\u1ed9t ng\u01b0\u1eddi g\u1eedi ti\u1ebft ki\u1ec7m 1 t\u1ef7 \u0111\u1ed3ng, th\u1eddi h\u1ea1n 1 n\u0103m, l\u00e3i su\u1ea5t 7,5%\/n\u0103m. Song m\u1edbi \u0111\u01b0\u1ee3c 11 th\u00e1ng, do \u0111\u1ed9t xu\u1ea5t c\u1ea7n ti\u1ec1n, n\u1ebfu r\u00fat s\u1ed5 ti\u1ebft ki\u1ec7m, h\u1ecd s\u1ebd ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n, kho\u1ea3ng 0,2%\/n\u0103m, th\u00ec coi nh\u01b0 m\u1ea5t tr\u1eafng l\u00e3i su\u1ea5t. N\u1ebfu kh\u00e1ch h\u00e0ng d\u00f9ng ch\u00ednh s\u1ed5 ti\u1ebft ki\u1ec7m vay l\u1ea1i c\u1ee7a ng\u00e2n h\u00e0ng 1 t\u1ef7 \u0111\u1ed3ng trong th\u1eddi h\u1ea1n 1 th\u00e1ng, l\u00e3i su\u1ea5t 10%\/n\u0103m, th\u00ec \u0111\u1ebfn khi \u0111\u00e1o h\u1ea1n s\u1ed5, kh\u00e1ch v\u1eabn c\u00f3 75 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n l\u00e3i, v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 th\u00eam cho ng\u00e2n h\u00e0ng 8 tri\u1ec7u \u0111\u1ed3ng. V\u1edbi c\u00e1ch l\u00e0m n\u00e0y, r\u00f5 r\u00e0ng kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i l\u1edbn, m\u00e0 ph\u00eda ng\u00e2n h\u00e0ng c\u0169ng t\u1ea1o \u0111\u01b0\u1ee3c ni\u1ec1m tin cho kh\u00e1ch trong nh\u1eefng l\u1ea7n g\u1eedi ti\u1ebft ki\u1ec7m ti\u1ebfp theo.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c n\u00e0y kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng n\u00f3i n\u1ebfu nh\u01b0 n\u00f3 kh\u00f4ng qu\u00e1 ph\u1ed5 bi\u1ebfn v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 h\u1ea7u nh\u01b0 ph\u00eda c\u00e1c ng\u00e2n h\u00e0ng khi cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec1u kh\u00f4ng quan t\u00e2m t\u1edbi ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n vay c\u1ee7a kh\u00e1ch h\u00e0ng. \u201cVi\u1ec7c n\u00e0y vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a NHNN v\u1ec1 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay. \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 v\u00e0 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng, NHNN y\u00eau c\u1ea7u c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi c\u1ea1nh tranh kh\u00f4ng l\u00e0nh m\u1ea1nh; ch\u1ea5p h\u00e0nh nghi\u00eam c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 cho vay, v\u1ec1 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng b\u1eb1ng ngo\u1ea1i t\u1ec7, v\u1ec1 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng \u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n vay; ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd kho\u1ea3n vay. \u0110\u1eb7c bi\u1ec7t, ph\u1ea3i ki\u1ec3m so\u00e1t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 gi\u1ea3i ng\u00e2n v\u1ed1n vay \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay \u0111\u1ea3m b\u1ea3o b\u1eb1ng c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m. NHNN s\u1ebd x\u1eed l\u00fd nghi\u00eam c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ed1 t\u00ecnh vi ph\u1ea1m\u201d, NHNN th\u00f4ng b\u00e1o.<\/p>\n\n\n\n\n
\"\"<\/em><\/td>\n<\/tr>\n
Nhi\u1ec1u ng\u00e2n h\u00e0ng cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng. \u1ea2nh minh h\u1ecda.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

R\u1ee7i ro \u201cd\u00e2ng\u201d m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t<\/strong><\/p>\n

L\u00fd gi\u1ea3i v\u1ec1 vi\u1ec7c \u201ctu\u00fdt c\u00f2i\u201d c\u1ee7a NHNN, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span> cho bi\u1ebft, khi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea9y m\u1ea1nh cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m s\u1ebd c\u00f3 hai v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh.<\/p>\n

Th\u1ee9 nh\u1ea5t, n\u1ebfu kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 ngu\u1ed3n g\u1ed1c b\u1ea5t h\u1ee3p ph\u00e1p th\u00ec s\u1ebd r\u1ee7i ro cho ng\u00e2n h\u00e0ng, v\u00ec n\u1ebfu Nh\u00e0 n\u01b0\u1edbc t\u1ecbch thu th\u00ec ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng th\u1ec3 t\u1ea5t to\u00e1n \u0111\u01b0\u1ee3c.<\/p>\n

Th\u1ee9 hai l\u00e0 hi\u1ec7n nay nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng s\u1ea3n ph\u1ea9m n\u00e0y \u0111\u1ec3 \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 th\u1eddi \u0111i\u1ec3m chu\u1ea9n b\u1ecb ch\u1ed1t s\u1ed1 li\u1ec7u. Chi\u00eau n\u00e0y \u0111\u01b0\u1ee3c kh\u00f4ng \u00edt ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng, nh\u1ea5t l\u00e0 t\u1eeb khi NHNN \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch giao ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p cho t\u1eebng ng\u00e2n h\u00e0ng.<\/p>\n

\u201cC\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u201cl\u00e1ch lu\u1eadt\u201d, t\u1ea1o m\u1ed9t v\u00f2ng g\u1eedi ti\u1ebft ki\u1ec7m \u2013 c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m vay ti\u1ec1n \u2013 sau \u0111\u00f3 l\u1ea1i g\u1eedi ti\u1ec1n \u2013 r\u1ed3i l\u1ea1i vay ti\u1ec1n\u2026 \u0110i\u1ec1u n\u00e0y \u0111\u00e3 nh\u00e2n h\u1ec7 s\u1ed1 ti\u1ec1n g\u1eedi, ti\u1ec1n vay l\u00ean nhi\u1ec1u l\u1ea7n, d\u1eabn \u0111\u1ebfn d\u01b0 n\u1ee3 \u1ea3o, ch\u1ec9 ti\u00eau kh\u1ed1ng\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c minh h\u1ecda.<\/p>\n

C\u0169ng b\u00e0n lu\u1eadn v\u1ec1 nh\u1eefng r\u1ee7i ro, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia kinh t\u1ebf cho r\u1eb1ng, s\u1ef1 c\u1ea3nh b\u00e1o c\u1ee7a NHNN l\u00e0 h\u1ee3p l\u00fd, v\u00ec vi\u1ec7c vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m c\u0169ng \u0111\u1eb7t ra nhi\u1ec1u v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn r\u1ee7i ro t\u00e0i ch\u00ednh. R\u1ee7i ro th\u1ee9 nh\u1ea5t l\u00e0 t\u1ea1o ra m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n \u1ea3o tr\u00ean s\u1ed5 s\u00e1ch ng\u00e2n h\u00e0ng t\u1ea1i th\u1eddi \u0111i\u1ec3m cho vay.<\/p>\n

V\u00ed d\u1ee5, kh\u00e1ch h\u00e0ng A g\u1eedi 10 t\u1ef7 \u0111\u1ed3ng ti\u1ebft ki\u1ec7m, t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng t\u0103ng l\u00ean 10 t\u1ef7 \u0111\u1ed3ng ti\u1ec1n m\u1eb7t. Ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng 10 t\u1ef7\u00a0 \u0111\u1ed3ng n\u00e0y \u0111\u1ec3 cho vay kh\u00e1ch h\u00e0ng B. Khi \u0111\u00f3, b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n “c\u00e2n b\u1eb1ng” t\u00e0i s\u1ea3n n\u1ee3 v\u1edbi t\u00e0i s\u1ea3n c\u00f3 (10 t\u1ef7 \u0111\u1ed3ng huy \u0111\u1ed9ng c\u1ee7a kh\u00e1ch h\u00e0ng A v\u00e0 10 t\u1ef7 \u0111\u1ed3ng cho vay kh\u00e1ch h\u00e0ng B). Sau \u0111\u00f3, n\u1ebfu kh\u00e1ch h\u00e0ng A vay c\u1ea7m s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 vay v\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ed3ng \u00fd gi\u1ea3i ng\u00e2n th\u00ec ngay t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00f3, ch\u1ec9 v\u1edbi m\u1ed9t b\u00fat to\u00e1n, ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 ngay m\u1ed9t m\u00f3n cho vay m\u1edbi 10 t\u1ef7 \u0111\u1ed3ng v\u00e0 t\u1ed5ng t\u00e0i s\u1ea3n t\u0103ng l\u00ean 10 t\u1ef7 \u0111\u1ed3ng, m\u00e0 th\u1ef1c t\u1ebf ch\u01b0a c\u00f3 ngu\u1ed3n v\u1ed1n m\u1edbi \u0111\u1ec3 c\u00e2n b\u1eb1ng v\u1edbi m\u00f3n cho vay m\u1edbi. D\u0129 nhi\u00ean, sau \u0111\u00f3 ng\u00e2n h\u00e0ng ph\u1ea3i huy \u0111\u1ed9ng v\u1ed1n m\u1edbi \u0111\u1ec3 c\u00e2n b\u1eb1ng m\u00f3n vay m\u1edbi, song tr\u00ean s\u1ed5 s\u00e1ch th\u1eddi \u0111i\u1ec3m cho vay, kho\u1ea3n ti\u1ebft ki\u1ec7m 10 t\u1ef7 \u0111\u1ed3ng \u0111\u00e3 t\u1ea1o ra t\u00e0i s\u1ea3n 20 t\u1ef7 \u0111\u1ed3ng cho vay (10 t\u1ef7 \u0111\u1ed3ng \u0111\u00e3 cho vay v\u00e0 10 t\u1ef7 \u0111\u1ed3ng cho vay m\u1edbi), trong \u0111\u00f3 10 t\u1ef7 \u0111\u1ed3ng cho vay m\u1edbi c\u00f3 th\u1ec3 xem nh\u01b0 m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n \u1ea3o \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng: t\u1ed5ng t\u00e0i s\u1ea3n t\u0103ng m\u00e0 kh\u00f4ng l\u00e0m thay \u0111\u1ed5i l\u1ee3i nhu\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

\u00d4ng Hi\u1ebfu cho bi\u1ebft, tr\u00ean th\u1ebf gi\u1edbi, h\u00ecnh th\u1ee9c cho vay n\u00e0y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201ct\u00edn d\u1ee5ng ma\u201d v\u00e0 nhi\u1ec1u n\u01b0\u1edbc ti\u00ean ti\u1ebfn c\u1ea5m cho vay lo\u1ea1i n\u00e0y.<\/p>\n

R\u1ee7i ro th\u1ee9 hai l\u00e0 nguy c\u01a1 k\u00e9o m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t t\u0103ng. Quay l\u1ea1i v\u00ed d\u1ee5 tr\u00ean, ng\u00e2n h\u00e0ng huy \u0111\u1ed9ng 10 t\u1ef7 \u0111\u1ed3ng c\u1ee7a kh\u00e1ch h\u00e0ng A v\u00e0 \u0111\u00e3 cho vay 10 t\u1ef7 n\u00e0y v\u1edbi kh\u00e1ch h\u00e0ng B, kho\u1ea3n ti\u1ec1n n\u00e0y tr\u00ean b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng khi \u0111\u00f3 c\u00e2n b\u1eb1ng.<\/p>\n

N\u1ebfu ch\u1ee7 s\u1edf h\u1eefu s\u1ed5 ti\u1ebft ki\u1ec7m c\u1ea7m cu\u1ed1n s\u1ed5 n\u00e0y \u0111\u1ec3 vay c\u1ea7m c\u1ed1 10 t\u1ef7 \u0111\u1ed3ng th\u00ec b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng b\u1ecb h\u1ee5t ngay 10 t\u1ef7 \u0111\u1ed3ng v\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i huy \u0111\u1ed9ng ngay th\u00eam 10 t\u1ef7 ti\u1ec1n m\u1eb7t \u0111\u1ec3 b\u00f9 \u0111\u1eafp kho\u1ea3ng tr\u1ed1ng tr\u00ean b\u1ea3ng c\u00e2n \u0111\u1ed1i t\u00e0i s\u1ea3n. \u0110i\u1ec1u n\u00e0y b\u1eaft bu\u1ed9c c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ea5p nh\u1eadn tr\u1ea3 l\u00e3i su\u1ea5t cao \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n b\u00f9 \u0111\u1eafp v\u00e0o kho\u1ea3n cho vay m\u1edbi.<\/p>\n

H\u00e0 An<\/strong><\/p>\n<\/div>\n

——————<\/p>\n

C\u00f4ng an Nh\u00e2n d\u00e2n (Th\u1ecb tr\u01b0\u1eddng) 16-9-2019:<\/em><\/strong><\/p>\n

http:\/\/cand.com.vn\/Thi-truong\/Nguy-co-tin-dung-ma-tu-viec-cho-vay-cam-co-so-tiet-kiem-561731\/<\/em><\/a><\/p>\n

(194\/1.273)<\/em>","protected":false},"excerpt":{"rendered":"

(CAND) – M\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ph\u00e1t \u0111i v\u0103n b\u1ea3n c\u1ea3nh b\u00e1o c\u00e1c ng\u00e2n h\u00e0ng v\u1ec1 vi\u1ec7c cho vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m nh\u01b0ng kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n vay. \u0110\u1ed9ng th\u00e1i n\u00e0y c\u1ee7a nh\u00e0 \u0111i\u1ec1u h\u00e0nh \u201cx\u1edbi\u201d l\u00ean m\u1ed9t g\u00f3c khu\u1ea5t trong ng\u00e0nh t\u00e0i ch\u00ednh m\u00e0 l\u00e2u nay […]<\/p>\n","protected":false},"author":10,"featured_media":24374,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24364","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.344. 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