{"id":26231,"date":"2018-05-09T09:04:16","date_gmt":"2018-05-09T02:04:16","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26231"},"modified":"2022-06-13T09:09:17","modified_gmt":"2022-06-13T02:09:17","slug":"1-820-vay-tieu-dung-can-than-trong-vi-loi-bat-cap-hai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-820-vay-tieu-dung-can-than-trong-vi-loi-bat-cap-hai\/","title":{"rendered":"1.820. Vay ti\u00eau d\u00f9ng: C\u1ea7n th\u1eadn tr\u1ecdng v\u00ec l\u1ee3i b\u1ea5t c\u1eadp h\u1ea1i"},"content":{"rendered":"(TC) – Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng n\u01b0\u1edbc ta c\u00f3 m\u1ee9c t\u0103ng tr\u01b0\u1edfng nhanh nh\u01b0 v\u0169 b\u00e3o v\u00e0 \u0111i k\u00e8m v\u1edbi \u0111\u00f3 l\u00e0 h\u00e0nh vi x\u00e2m ph\u1ea1m quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng c\u00f3 xu h\u01b0\u1edbng t\u0103ng c\u1ea3 v\u1ec1 quy m\u00f4 v\u00e0 m\u1ee9c \u0111\u1ed9 ph\u1ee9c t\u1ea1p.<\/strong><\/p>\n

M\u1ee9c l\u00e3i su\u1ea5t cao ng\u1ea5t ng\u01b0\u1edfng<\/strong><\/p>\n

C\u1ee5c C\u1ea1nh tranh v\u00e0 B\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng (B\u1ed9 C\u00f4ng th\u01b0\u01a1ng) cho bi\u1ebft, theo th\u1ed1ng k\u00ea, trong giai \u0111o\u1ea1n 10 n\u0103m k\u1ec3 t\u1eeb n\u0103m 2007 – 2017, l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng li\u00ean t\u1ee5c c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cao, trung b\u00ecnh 20%\/n\u0103m, \u0111\u1ea1t quy m\u00f4 646.000 t\u1ef7 \u0111\u1ed3ng, ph\u1ee5c v\u1ee5 20 tri\u1ec7u l\u01b0\u1ee3t kh\u00e1ch h\u00e0ng tr\u00ean c\u1ea3 n\u01b0\u1edbc.<\/p>\n

Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a nhi\u1ec1u chuy\u00ean gia, d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1eabn r\u1ea5t l\u1ea1c quan v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng 25% – 30%\/n\u0103m trong nh\u1eefng n\u0103m s\u1eafp t\u1edbi.<\/p>\n

Hi\u1ec7n \u1edf n\u01b0\u1edbc ta, d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi ch\u1ee7 y\u1ebfu l\u00e0 ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Trong \u0111\u00f3, th\u01b0\u1eddng\u00a0c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cho vay th\u1ea5p nh\u01b0ng th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd v\u00e0 th\u1eddi gian ph\u00ea duy\u1ec7t kho\u1ea3n vay th\u01b0\u1eddng ph\u1ee9c t\u1ea1p.<\/p>\n

Ng\u01b0\u1ee3c l\u1ea1i, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 th\u1ee7 t\u1ee5c vay, b\u1ed9 h\u1ed3 s\u01a1 gi\u1ea5y t\u1edd \u0111\u01a1n gi\u1ea3n, g\u1ecdn nh\u1eb9 h\u01a1n ng\u00e2n h\u00e0ng, tuy nhi\u00ean m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n so r\u1ea5t nhi\u1ec1u v\u1edbi m\u1ee9c c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

Theo th\u1ed1ng k\u00ea, \u0111\u1ed1i v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t mua h\u00e0ng tr\u1ea3 g\u00f3p, trong khi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t trung b\u00ecnh dao \u0111\u1ed9ng t\u1eeb 10 \u2013 25%\/n\u0103m th\u00ec m\u1ee9c l\u00e3i su\u1ea5t c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u00ean \u0111\u1ebfn 55%, th\u1eadm ch\u00ed c\u00f3 n\u01a1i tr\u00ean 84%\/n\u0103m.<\/p>\n

Nhi\u1ec1u r\u1ee7i ro, l\u1eafm khi\u1ebfu n\u1ea1i<\/strong><\/p>\n

C\u0169ng b\u1edfi nguy\u00ean do \u0111\u00f3 m\u00e0 theo b\u00e1o c\u00e1o t\u1eeb C\u1ee5c C\u1ea1nh tranh v\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng, trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, s\u1ed1 l\u01b0\u1ee3ng khi\u1ebfu n\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o nh\u00f3m ch\u1ee7 th\u1ec3 l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

Theo \u0111\u00f3, ph\u1ea3n \u00e1nh c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 h\u00e0nh vi x\u00e2m ph\u1ea1m quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ee7 y\u1ebfu l\u00e0 c\u00e1c h\u00e0nh vi nh\u01b0 cung c\u1ea5p th\u00f4ng tin kh\u00f4ng ch\u00ednh x\u00e1c, \u0111\u1ea7y \u0111\u1ee7, r\u00f5 r\u00e0ng, g\u00e2y nh\u1ea7m l\u1eabn cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n th\u01b0\u1eddng cung c\u1ea5p kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin ho\u1eb7c th\u00f4ng tin sai l\u1ec7ch, g\u00e2y nh\u1ea7m l\u1eabn cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

V\u00ed nh\u01b0 khi t\u01b0 v\u1ea5n, nh\u00e2n vi\u00ean cam k\u1ebft m\u1ee9c l\u00e3i su\u1ea5t ch\u1ec9 t\u1eeb 1 – 2%\/th\u00e1ng nh\u01b0ng th\u1ef1c t\u1ebf, m\u1ee9c l\u00e3i su\u1ea5t th\u1ec3 hi\u1ec7n tr\u00ean h\u1ee3p \u0111\u1ed3ng l\u00e0 6%\/th\u00e1ng. Trong th\u1eddi gian g\u1ea7n \u0111\u00e2y, c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n m\u1ea1o danh t\u00ean c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 cho vay. Th\u1ef1c t\u1ebf, sau khi ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft, ng\u01b0\u1eddi ti\u00eau d\u00f9ng m\u1edbi nh\u1eadn th\u1ea5y kho\u1ea3n vay l\u00e0 do c\u00f4ng ty t\u00e0i ch\u00ednh cung c\u1ea5p v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1 cao.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f3 nhi\u1ec1u khi\u1ebfu n\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng cho r\u1eb1ng, t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, nh\u00e2n vi\u00ean th\u01b0\u1eddng h\u1ed1i th\u00fac ng\u01b0\u1eddi ti\u00eau d\u00f9ng nhanh ch\u00f3ng k\u00fd m\u00e0 kh\u00f4ng \u0111\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ecdc, nghi\u00ean c\u1ee9u k\u1ef9 n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng. Sau khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng cho vay t\u00edn d\u1ee5ng, nh\u00e2n vi\u00ean t\u1eeb ch\u1ed1i giao b\u1ea3n h\u1ee3p \u0111\u1ed3ng g\u1ed1c \u0111\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng l\u01b0u gi\u1eef ho\u1eb7c kh\u00f4ng cho ph\u00e9p ng\u01b0\u1eddi ti\u00eau d\u00f9ng sao ch\u1ee5p h\u1ee3p \u0111\u1ed3ng v\u1edbi l\u00fd do ph\u1ea3i chuy\u1ec3n h\u1ee3p \u0111\u1ed3ng v\u1ec1 c\u00f4ng ty \u0111\u1ec3 l\u1ea5y d\u1ea5u, h\u1eb9n s\u1ebd chuy\u1ec3n theo \u0111\u01b0\u1eddng b\u01b0u \u0111i\u1ec7n cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng sau.<\/p>\n

Th\u00eam v\u00e0o \u0111\u00f3, khi c\u00f3 tranh ch\u1ea5p ph\u00e1t sinh, ng\u01b0\u1eddi ti\u00eau d\u00f9ng g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n trong qu\u00e1 tr\u00ecnh ph\u1ea3n \u00e1nh v\u00e0 l\u00e0m vi\u1ec7c v\u1edbi \u0111\u01a1n v\u1ecb t\u00e0i ch\u00ednh, t\u1eeb vi\u1ec7c g\u1ecdi \u0111i\u1ec7n t\u1edbi t\u1ed5ng \u0111\u00e0i \u0111i\u1ec7n tho\u1ea1i c\u1ee7a c\u00f4ng ty th\u01b0\u1eddng t\u1ed1n nhi\u1ec1u ti\u1ec1n c\u01b0\u1edbc, l\u1eddi tho\u1ea1i h\u01b0\u1edbng d\u1eabn d\u00e0i d\u00f2ng, kh\u00f3 hi\u1ec3u \u0111\u1ebfn vi\u1ec7c nh\u00e2n vi\u00ean t\u1ed5ng \u0111\u00e0i kh\u00f4ng ghi nh\u1eadn n\u1ed9i dung khi\u1ebfu n\u1ea1i\u2026 Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f4ng th\u1ec3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c th\u1eddi \u0111i\u1ec3m g\u1eedi khi\u1ebfu n\u1ea1i t\u1edbi c\u00f4ng ty do h\u00ecnh th\u1ee9c li\u00ean l\u1ea1c qua \u0111i\u1ec7n tho\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c ghi nh\u1eadn \u0111\u1ea7y \u0111\u1ee7.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, c\u00f3 m\u1ed9t s\u1ed1 l\u01b0\u1ee3ng l\u1edbn khi\u1ebfu n\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng li\u00ean quan \u0111\u1ebfn h\u00e0nh vi thu h\u1ed3i n\u1ee3 c\u1ee7a c\u00e1c b\u00ean li\u00ean quan, trong \u0111\u00f3, ph\u1ed5 bi\u1ebfn l\u00e0 vi\u1ec7c ng\u01b0\u1eddi \u0111i vay, b\u1ea1n b\u00e8, ng\u01b0\u1eddi th\u00e2n c\u1ee7a ng\u01b0\u1eddi \u0111i vay li\u00ean t\u1ee5c nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c cu\u1ed9c g\u1ecdi, tin nh\u1eafn c\u00f3 n\u1ed9i dung \u0111e d\u1ecda, qu\u1ea5y r\u1ed1i, l\u00e0m phi\u1ec1n.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\u00a0Ch\u1ec9 c\u1ea7n g\u00f5 t\u1eeb kh\u00f3a “vay ti\u00eau d\u00f9ng”\u00a0trong v\u00f2ng 0,55 gi\u00e2y hi\u1ec7n l\u00ean \u0111\u1ebfn 1.900.000 k\u1ebft qu\u1ea3. \u1ea2nh: T\u1ed1 Uy\u00ean<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

M\u1eb7t kh\u00e1c, C\u1ee5c C\u1ea1nh tranh v\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng cho bi\u1ebft th\u00eam, hi\u1ec7n c\u00e1c \u0111\u01a1n v\u1ecb cho vay k\u1ebft h\u1ee3p v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb b\u00e1n h\u00e0ng tri\u1ec3n khai lo\u1ea1i h\u00ecnh cho vay m\u1edbi: Khi c\u00f3 nhu c\u1ea7u mua s\u1eafm h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 s\u1ebd \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean gi\u1edbi thi\u1ec7u g\u00f3i t\u00e0i ch\u00ednh h\u1ed7 tr\u1ee3 0% l\u00e3i su\u1ea5t v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 g\u00f3p ti\u1ec1n g\u1ed1c h\u00e0ng th\u00e1ng.<\/p>\n

H\u00ecnh th\u1ee9c n\u00e0y c\u00f3 nhi\u1ec1u \u01b0u \u0111i\u1ec3m cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u01b0ng \u0111\u1ed3ng th\u1eddi, c\u0169ng ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro n\u1ebfu kh\u00f4ng nh\u1eadn \u0111\u1ecbnh \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 t\u1ed5ng gi\u00e1 tr\u1ecb kho\u1ea3n vay, v\u1ec1 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111i k\u00e8m khi vay v\u00e0 ch\u1ec9 t\u1eadp trung v\u00e0o m\u1ee9c ti\u1ec1n tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng.<\/p>\n

Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n n\u00e2ng cao nh\u1eadn th\u1ee9c, k\u1ef9 n\u0103ng t\u00e0i ch\u00ednh<\/strong><\/p>\n

Tr\u01b0\u1edbc th\u1ef1c tr\u1ea1ng \u0111\u00f3, C\u1ee5c C\u1ea1nh tranh v\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng cho r\u1eb1ng, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n \u0111\u01b0\u1ee3c trang b\u1ecb c\u00e1c ki\u1ebfn th\u1ee9c, hi\u1ec3u bi\u1ebft c\u01a1 b\u1ea3n \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1ef1 b\u1ea3o v\u1ec7 m\u00ecnh trong nh\u1eefng giao d\u1ecbch t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u1edf v\u00f9ng s\u00e2u, v\u00f9ng xa.<\/p>\n

“Hi\u1ec7n nay, \u0111a ph\u1ea7n ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi k\u00fd k\u1ebft kho\u1ea3n vay \u0111\u1ec1u t\u1eadp trung v\u00e0o m\u00f3n h\u00e0ng h\u1ecd s\u1ebd s\u1edf h\u1eefu, s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng m\u00e0 kh\u00f4ng quan t\u00e2m t\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c. Do \u0111\u00f3, \u0111\u00e3 c\u00f3 tr\u01b0\u1eddng h\u1ee3p b\u1ecb “b\u1eaby” v\u1ec1 c\u00e1c quy \u0111\u1ecbnh r\u00e0ng bu\u1ed9c” – lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho bi\u1ebft.<\/em><\/p>\n

Do \u0111\u00f3, theo\u00a0\u00f4ng\u00a0\u0110\u1ee9c,\u00a0vi\u1ec7c quan tr\u1ecdng \u0111\u1ea7u ti\u00ean ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n l\u01b0u \u00fd l\u00e0 n\u00ean l\u1ef1a ch\u1ecdn c\u00e1c t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay uy t\u00edn. Sau \u0111\u00f3 c\u1ea7n t\u00ednh to\u00e1n th\u1eadt c\u1ea9n th\u1eadn kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, c\u0169ng nh\u01b0 s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a kho\u1ea3n vay.<\/em><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, khi tham gia giao d\u1ecbch c\u00e1c h\u1ee3p \u0111\u1ed3ng vay, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n hi\u1ec3u r\u00f5 c\u00e1c n\u1ed9i dung th\u00f4ng tin c\u01a1 b\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng vay nh\u01b0 m\u1ee9c l\u00e3i su\u1ea5t, th\u1eddi gian vay, quy \u0111\u1ecbnh v\u1ec1 tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n, m\u1ee9c ph\u1ea1t tr\u1ea3 ch\u1eadm… v\u00e0 k\u00fd h\u1ee3p \u0111\u1ed3ng sau khi n\u1eafm r\u00f5, nh\u00ecn r\u00f5 c\u00e1c th\u00f4ng tin th\u1ec3 hi\u1ec7n tr\u00ean h\u1ee3p \u0111\u1ed3ng.<\/em><\/p>\n

M\u1eb7t kh\u00e1c, sau khi k\u00fd h\u1ee3p \u0111\u1ed3ng, y\u00eau c\u1ea7u cung c\u1ea5p b\u1ea3n sao ho\u1eb7c sao ch\u1ee5p b\u1ea3n h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd \u0111\u1ec3 l\u01b0u gi\u1eef. Khi ph\u00e1t sinh tranh ch\u1ea5p, n\u00ean \u01b0u ti\u00ean s\u1eed d\u1ee5ng c\u00e1c h\u00ecnh th\u1ee9c li\u00ean h\u1ec7 c\u00f3 l\u01b0u v\u1ebft nh\u01b0 g\u1eedi email, g\u1eedi th\u01b0 qua b\u01b0u \u0111i\u1ec7n.<\/em><\/p>\n

“Ngo\u00e0i ra, khi \u0111\u00e3 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay r\u1ed3i vi\u1ec7c thanh to\u00e1n ch\u1eadm tr\u1ec5 s\u1ebd khi\u1ebfn ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u00a0ph\u1ea3i g\u00e1nh th\u00eam ph\u00ed ph\u1ea1t r\u1ea5t cao, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n. V\u00ec v\u1eady, ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u00ean tr\u00e1nh \u0111\u1ec3 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng n\u00e0y” –\u00a0\u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

T\u1ed1 Uy\u00ean<\/strong><\/p>\n

—————<\/p>\n

Th\u1eddi b\u00e1o T\u00e0i ch\u00ednh (Ti\u1ec1n t\u1ec7 – B\u1ea3o hi\u1ec3m) 09-5-2018:<\/em><\/strong><\/p>\n

http:\/\/thoibaotaichinhvietnam.vn\/pages\/tien-te-bao-hiem\/2018-05-09\/vay-tieu-dung-can-than-trong-vi-loi-bat-cap-hai-57204.aspx<\/em><\/a><\/p>\n

(298\/1.293)<\/em>","protected":false},"excerpt":{"rendered":"

(TC) – Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng n\u01b0\u1edbc ta c\u00f3 m\u1ee9c t\u0103ng tr\u01b0\u1edfng nhanh nh\u01b0 v\u0169 b\u00e3o v\u00e0 \u0111i k\u00e8m v\u1edbi \u0111\u00f3 l\u00e0 h\u00e0nh vi x\u00e2m ph\u1ea1m quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng c\u00f3 xu h\u01b0\u1edbng t\u0103ng c\u1ea3 v\u1ec1 quy m\u00f4 v\u00e0 m\u1ee9c \u0111\u1ed9 ph\u1ee9c t\u1ea1p. M\u1ee9c l\u00e3i su\u1ea5t cao ng\u1ea5t ng\u01b0\u1edfng C\u1ee5c […]<\/p>\n","protected":false},"author":3,"featured_media":25198,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.820. 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