{"id":26283,"date":"2017-07-13T09:38:06","date_gmt":"2017-07-13T02:38:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26283"},"modified":"2022-06-13T09:40:44","modified_gmt":"2022-06-13T02:40:44","slug":"1-417-tin-dung-tieu-dung-tiem-nang-lon-nhung-rui-ro-cung-khong-nho","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-417-tin-dung-tieu-dung-tiem-nang-lon-nhung-rui-ro-cung-khong-nho\/","title":{"rendered":"1.417. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: Ti\u1ec1m n\u0103ng l\u1edbn nh\u01b0ng r\u1ee7i ro c\u0169ng kh\u00f4ng nh\u1ecf"},"content":{"rendered":"(CL) – Hoat \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng, h\u1ee3p l\u00fd h\u00f3a qu\u00e1 tr\u00ecnh lu\u00e2n chuy\u1ec3n h\u00e0ng h\u00f3a tr\u00ean th\u1ecb tr\u01b0\u1eddng; Gi\u00fap t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n vay ng\u00e2n h\u00e0ng, g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Tuy nhi\u00ean, \u0111\u1ec3 ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng n\u00e0y m\u1ed9t c\u00e1ch minh b\u1ea1ch v\u00e0 b\u1ec1n v\u1eefng th\u00ec kh\u00f4ng ph\u1ea3i vi\u1ec7c d\u1ec5 d\u00e0ng.<\/strong><\/p>\n

\u0110\u1ee9ng tr\u01b0\u1edbc c\u01a1 h\u1ed9i \u201cv\u00e0ng\u201d<\/strong><\/p>\n

T\u1ea1i \u201cT\u1ecda \u0111\u00e0m v\u1ec1 ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh b\u00e1n l\u1ebb, c\u01a1 h\u1ed9i th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng, ph\u1ee5c v\u1ee5 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf\u201d do B\u00e1o \u0110\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c, \u00f4ng Nguy\u1ec5n T\u00fa Anh, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) cho hay, c\u00f9ng v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf, t\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng trong t\u1ed5ng GDP c\u1ee7a Vi\u1ec7t Nam li\u00ean t\u1ee5c t\u0103ng cao. C\u1ee5 th\u1ec3, t\u1ef7 tr\u1ecdng ti\u00eau d\u00f9ng trong t\u1ed5ng GDP c\u1ee7a Vi\u1ec7t Nam \u0111\u00e3 t\u0103ng phi m\u00e3 t\u1eeb 52,5% (n\u0103m 2005) l\u00ean \u0111\u1ec9nh \u0111i\u1ec3m 77,7% (n\u0103m 2009).<\/p>\n

Giai \u0111o\u1ea1n 2010-2016 n\u1ec1n kinh t\u1ebf r\u01a1i v\u00e0o giai \u0111o\u1ea1n suy gi\u1ea3m khi\u1ebfn ch\u1ec9 s\u1ed1 n\u00e0y c\u0169ng suy gi\u1ea3m \u0111\u1ebfn \u0111\u00e1y v\u00e0o n\u0103m 2012. Nh\u01b0ng t\u1eeb n\u0103m 2013 \u0111\u1ebfn nay, t\u1ef7 l\u1ec7 n\u00e0y li\u00ean t\u1ee5c t\u0103ng cao v\u00e0 \u0111\u1ea1t 78,3% v\u00e0o n\u0103m 2016.<\/p>\n

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Ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng lu\u00f4n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 ti\u1ec1m n\u0103ng, song r\u1ee7i ro n\u1ee3 x\u1ea5u ti\u1ec1m \u1ea9n kh\u00f4ng nh\u1ecf. (\u1ea2nh internet)<\/p>\n

T.S C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia kinh t\u1ebf cho bi\u1ebft t\u00ednh \u0111\u1ebfn cu\u1ed1i n\u0103m 2016, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng l\u00e0 646.000 t\u1ef7 \u0111\u1ed3ng (kho\u1ea3ng 28 t\u1ef7 USD), chi\u1ebfm 11,7% t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p>\n

C\u00f2n theo d\u1ef1 b\u00e1o m\u1edbi nh\u1ea5t c\u1ee7a C\u00f4ng ty ch\u1ee9ng kho\u00e1n B\u1ea3n Vi\u1ec7t (VCSC), quy m\u00f4 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng s\u1ebd \u0111\u1ea1t m\u1ed1c 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng v\u00e0o n\u0103m 2019.\u00a0Tuy nhi\u00ean, v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng li\u00ean t\u1ee5c 20% \u2013 30%\/n\u0103m t\u1eeb n\u0103m 2010, con s\u1ed1 1 tri\u1ec7u t\u1ef7 c\u00f3 th\u1ec3 s\u1ebd c\u00f2n s\u1edbm \u0111\u1ea1t \u0111\u01b0\u1ee3c h\u01a1n d\u1ef1 b\u00e1o.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n \u201cv\u00e0ng\u201d nh\u1edd nh\u1eefng \u0111i\u1ec1u ki\u1ec7n l\u00fd t\u01b0\u1edfng nh\u01b0 n\u1ec1n kinh t\u1ebf \u0111ang trong giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n, quy m\u00f4 d\u00e2n s\u1ed1 \u0111\u1ea1t ng\u01b0\u1ee1ng g\u1ea7n 95 tri\u1ec7u d\u00e2n v\u1edbi t\u1ef7 l\u1ec7 d\u00e2n s\u1ed1 \u0111ang trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng chi\u1ebfm 52%. Lao \u0111\u1ed9ng c\u00f3 xu h\u01b0\u1edbng chi ti\u00eau v\u01b0\u1ee3t m\u1ee9c l\u01b0\u01a1ng, chuy\u1ec3n \u0111\u1ed5i h\u00e0nh vi t\u1eeb ti\u1ebft ki\u1ec7m sang mua s\u1eafm v\u00e0 chuy\u1ec3n t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t sang t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng.<\/p>\n

Ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng, h\u1ee3p l\u00fd h\u00f3a qu\u00e1 tr\u00ecnh lu\u00e2n chuy\u1ec3n h\u00e0ng h\u00f3a tr\u00ean th\u1ecb tr\u01b0\u1eddng; Gi\u00fap t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n vay ng\u00e2n h\u00e0ng, g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i \u201ct\u00edn d\u1ee5ng \u0111en\u201d; Gi\u00fap ng\u01b0\u1eddi ngh\u00e8o, ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p c\u00f3 \u0111i\u1ec1u ki\u1ec7n t\u00edch l\u0169y t\u00e0i s\u1ea3n\u2026 nh\u1edd s\u1ef1 linh ho\u1ea1t, \u0111\u00e1p \u1ee9ng nhanh, k\u1ecbp th\u1eddi nhu c\u1ea7u ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh v\u1edbi nhi\u1ec1u s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 \u0111a d\u1ea1ng, phong ph\u00fa.<\/p>\n

Theo b\u00e1o c\u00e1o m\u1edbi nh\u1ea5t v\u00e0o th\u00e1ng 6\/2017 c\u1ee7a Stoxplus, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a Vi\u1ec7t Nam (9,8%) v\u1eabn c\u00f2n th\u1ea5p so v\u1edbi c\u00e1c n\u01b0\u1edbc kh\u00e1c nh\u01b0 Malaysia (14%), Anh (16%), M\u1ef9 (23%) n\u00ean d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n v\u1eabn c\u00f2n r\u1ea5t l\u1edbn.<\/p>\n

T\u0103ng tr\u01b0\u1edfng ph\u1ea3i song h\u00e0nh v\u1edbi ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng<\/strong><\/p>\n

B\u00ean c\u1ea1nh vi\u1ec7c b\u00e0y t\u1ecf s\u1ef1 l\u1ea1c quan v\u00e0 tin t\u01b0\u1edfng v\u00e0o s\u1ef1 t\u0103ng tr\u01b0\u1edfng v\u00e0 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, c\u00e1c chuy\u00ean gia c\u0169ng nh\u1ea5n m\u1ea1nh vi\u1ec7c t\u0103ng tr\u01b0\u1edfng ph\u1ea3i song h\u00e0nh v\u1edbi ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng.<\/p>\n

\u0110\u1ec1 xu\u1ea5t c\u00e1c gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng ti\u00eau d\u00f9ng, \u00f4ng Nguy\u1ec5n T\u00fa Anh \u0111\u1eb7c bi\u1ec7t nh\u1ea5n m\u1ea1nh \u0111\u1ebfn vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro v\u1ee1 n\u1ee3. C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u1ea7n n\u00e2ng cao quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh, \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, l\u1ecbch s\u1eed vay, tr\u1ea3 v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 tr\u00e1nh nh\u1eefng xung \u0111\u1ed9t x\u00e3 h\u1ed9i.<\/p>\n

Theo T.S C\u1ea5n V\u0103n L\u1ef1c, mu\u1ed1n ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, NHNN, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc\u2026 kh\u00f4ng ch\u1ec9 c\u1ea7n ho\u00e0n hi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd m\u00e0 c\u00f2n ph\u1ea3i t\u0103ng c\u01b0\u1eddng gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh, n\u00e2ng cao nh\u1eadn th\u1ee9c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 v\u0103n h\u00f3a ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n theo xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n chung c\u1ee7a th\u1ebf gi\u1edbi.<\/p>\n

V\u1ec1 ph\u00e1p l\u00fd, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u2013 Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC), Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng, c\u1ea7n c\u00f3 m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC). Hi\u1ec7n nay, Th\u00f4ng t\u01b0 43\/2016\/TT-NHNN quy \u0111\u1ecbnh ri\u00eang v\u1ec1 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a CTTC. Th\u00f4ng t\u01b0 \u0111\u00e3 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh \u0111\u01a1n gi\u1ea3n v\u00e0 h\u1ee3p l\u00fd, ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, gi\u00fap CTTC d\u1ec5 d\u00e0ng cho vay, ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 linh ho\u1ea1t vay v\u1ed1n.<\/em><\/p>\n

\u201cTh\u00f4ng t\u01b0 43 v\u1eeba b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng, v\u1eeba t\u1ea1o m\u00f4i tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam. Tuy nhi\u00ean v\u1ec1 l\u00e2u d\u00e0i, c\u1ea7n xem x\u00e9t lo\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh ra kh\u1ecfi Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ec3 kh\u00f4ng ph\u1ea3i \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n, ch\u1ebf t\u00e0i ng\u1eb7t ngh\u00e8o nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d<\/em>, LS \u0110\u1ee9c nh\u1eadn \u0111\u1ecbnh.<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c d\u1eabn ch\u1ee9ng, \u1edf c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u1edf Vi\u1ec7t Nam nh\u01b0 kh\u00f4ng c\u00f3 tr\u1ea7n l\u00e3i su\u1ea5t v\u00e0 l\u00e3i su\u1ea5t cho vay c\u0169ng r\u1ea5t cao so v\u1edbi m\u1eb7t b\u1eb1ng chung. Tuy nhi\u00ean h\u1ecd qu\u1ea3n l\u00fd d\u1eef li\u1ec7u v\u1ec1 ti\u00eau chu\u1ea9n, bi\u1ec7n ph\u00e1p, con s\u1ed1 r\u1ea5t chu\u1ea9n nh\u01b0 tu\u1ed5i t\u00e1c, s\u1ee9c kh\u1ecfe, thu nh\u1eadp, \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf kh\u00e1ch h\u00e0ng n\u00ean r\u1ee7i ro th\u1ea5p h\u01a1n. Trong khi \u1edf Vi\u1ec7t Nam, m\u1ecdi d\u1eef li\u1ec7u \u0111\u1ec1u l\u00e0 con s\u1ed1 \u1ea3o, kh\u00f4ng chu\u1ea9n n\u00ean \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p x\u1eed l\u00fd theo h\u01b0\u1edbng r\u1ee7i ro cao nh\u01b0 l\u00e3i su\u1ea5t cao, ti\u00eau chu\u1ea9n \u0111\u01b0\u1ee3c vay cao h\u01a1n.<\/em><\/p>\n

C\u00f3 th\u1ec3 th\u1ea5y, v\u1edbi 95 tri\u1ec7u d\u00e2n s\u1ed1 c\u00f3 t\u1ef7 l\u1ec7 trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng chi\u1ebfm 52%, tuy nhi\u00ean t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a Vi\u1ec7t Nam m\u1edbi ch\u1ec9 \u1edf m\u1ee9c 9,8% l\u00e0 ch\u01b0a t\u01b0\u01a1ng x\u1ee9ng. Trong t\u01b0\u01a1ng lai, c\u1ea1nh tranh tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd ng\u00e0y c\u00e0ng kh\u1ed1c li\u1ec7t, nh\u01b0ng s\u1ebd \u0111em l\u1ea1i l\u1ee3i \u00edch cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng.\u00a0Tr\u00ean th\u1ef1c t\u1ebf, th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 ch\u1ee9ng ki\u1ebfn kh\u00f4ng \u00edt th\u1ea5t b\u1ea1i c\u1ee7a CTTC, v\u00e0 k\u1ec3 c\u1ea3 ng\u00e2n h\u00e0ng trong vi\u1ec7c \u0111\u1ea9y m\u1ea1nh cho vay ti\u00eau d\u00f9ng, do kh\u00f4ng ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c r\u1ee7i ro n\u1ee3 x\u1ea5u. N\u00f3i nh\u01b0 nhi\u1ec1u chuy\u00ean gia: \u201cTi\u1ec1m n\u0103ng l\u1edbn, song r\u1ee7i ro \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay t\u00e0i ch\u00ednh, ti\u00eau d\u00f9ng nh\u1ecf, l\u1ebb c\u0169ng kh\u00f4ng d\u1ec5 ki\u1ec3m so\u00e1t\u201d.<\/p>\n

B\u1ea3o Quy\u00ean<\/strong><\/p>\n

———————————————————–<\/p>\n

Nh\u00e0 b\u00e1o & C\u00f4ng lu\u1eadn (Kinh t\u1ebf) 13-7-2017:<\/em><\/strong><\/p>\n

http:\/\/congluan.vn\/tin-dung-tieu-dung-tiem-nang-lon-nhung-rui-ro-cung-khong-nho\/<\/a><\/em><\/p>\n

(277\/1.205)<\/em>","protected":false},"excerpt":{"rendered":"

(CL) – Hoat \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng, h\u1ee3p l\u00fd h\u00f3a qu\u00e1 tr\u00ecnh lu\u00e2n chuy\u1ec3n h\u00e0ng h\u00f3a tr\u00ean th\u1ecb tr\u01b0\u1eddng; Gi\u00fap t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng ch\u00ednh th\u1ee9c cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n […]<\/p>\n","protected":false},"author":1,"featured_media":26286,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26283","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.417. 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