{"id":26314,"date":"2017-07-13T10:06:00","date_gmt":"2017-07-13T03:06:00","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26314"},"modified":"2022-06-19T10:04:21","modified_gmt":"2022-06-19T03:04:21","slug":"1-422-can-minh-bach-lai-suat-cho-vay-tieu-dung-va-loai-cong-ty-tai-chinh-ra-khoi-luat-cac-tctd","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-422-can-minh-bach-lai-suat-cho-vay-tieu-dung-va-loai-cong-ty-tai-chinh-ra-khoi-luat-cac-tctd\/","title":{"rendered":"1.422. C\u1ea7n minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng v\u00e0 lo\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh ra kh\u1ecfi Lu\u1eadt c\u00e1c TCTD"},"content":{"rendered":"<strong>(TBCK) &#8211; 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.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-26312 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/21-2-450x338.jpg\" alt=\"\" width=\"312\" height=\"234\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/21-2-450x338.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/21-2.jpg 600w\" sizes=\"auto, (max-width: 312px) 100vw, 312px\" \/><\/p>\n<p><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c. (\u1ea2nh: \u0110TCK).<\/em><\/p>\n<p>\u0110\u00f3 l\u00e0 \u00fd ki\u1ebfn nh\u1eadn \u0111\u1ecbnh c\u1ee7a Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c &#8211; 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 t\u1ea1i bu\u1ed5i t\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 &#8211; Ph\u1ee5c v\u1ee5 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf Vi\u1ec7t Nam.<\/p>\n<p><strong>Ba v\u1ea5n \u0111\u1ec1 \u0111\u1ec3 ho\u00e0n thi\u1ec7n cho vay ti\u00eau d\u00f9ng<\/strong><\/p>\n<p>Th\u1ee9 nh\u1ea5t, c\u1ee7ng c\u1ed1, ph\u00e1t tri\u1ec3n vai tr\u00f2 c\u1ee7a c\u00e1c CTTC. Hi\u1ec7n nay c\u00f3 ba k\u00eanh cho vay ti\u00eau d\u00f9ng ch\u1ee7 y\u1ebfu l\u00e0 c\u1ea7m \u0111\u1ed3 hay t\u00edn d\u1ee5ng \u0111en, CTTC, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u00d4ng cho r\u1eb1ng c\u1ea7n ph\u1ea3i \u0111\u01b0a c\u00e1c nhu c\u1ea7u ti\u00eau d\u00f9ng \u0111\u1ebfn v\u1edbi c\u00e1c CTTC. M\u1ee5c ti\u00eau cho vay ti\u00eau d\u00f9ng qua CTTC \u0111\u1ea1t t\u1eeb 80% &#8211; 90% t\u1ed5ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng.Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, ba v\u1ea5n \u0111\u1ec1 ch\u00ednh c\u1ea7n \u01b0u ti\u00ean ho\u00e0n thi\u1ec7n t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng li\u00ean quan \u0111\u1ebfn c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC), l\u00e3i su\u1ea5t v\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n<p>Th\u1ee9 hai l\u00e0 minh b\u1ea1ch l\u00e3i su\u1ea5t ti\u00eau d\u00f9ng. Hi\u1ec7n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng \u0111ang th\u1ef1c hi\u1ec7n hai ph\u01b0\u01a1ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng l\u00e0 t\u00ednh l\u00e3i tr\u00ean d\u01b0 n\u1ee3 ban \u0111\u1ea7u v\u00e0 t\u00ednh l\u00e3i tr\u00ean d\u01b0 n\u1ee3 th\u1ef1c t\u1ebf. \u00d4ng cho bi\u1ebft, theo quy \u0111\u1ecbnh hi\u1ec7n t\u1ea1i th\u00ec c\u00e1c CTTC c\u1ea7n ph\u1ea3i th\u1ef1c hi\u1ec7n quy \u0111\u1ed5i song song gi\u1eefa hai ph\u01b0\u01a1ng th\u1ee9c n\u00e0y \u0111\u1ec3 ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 c\u00f3 c\u00e1i nh\u00ecn s\u00e1t v\u1edbi th\u1ef1c t\u1ebf.<\/p>\n<p>M\u1eb7c d\u00f9 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u0111ang cao g\u1ea5p 3 l\u1ea7n so v\u1edbi l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng c\u00f9ng k\u1ef3 h\u1ea1n, nh\u01b0ng n\u1ebfu so s\u00e1nh m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y v\u1edbi l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng \u0111en th\u00ec v\u1eabn \u1edf m\u1ee9c th\u1ea5p h\u01a1n. Lu\u1eadt s\u01b0 c\u0169ng \u1ee7ng h\u1ed9 quan \u0111i\u1ec3m kh\u00f4ng quy \u0111\u1ecbnh m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho ho\u1ea1t \u0111\u1ed9ng cho vay t\u00e0i ch\u00ednh, n\u00ean \u0111\u1ec3 l\u00e3i su\u1ea5t theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng.<\/p>\n<p>Th\u1ee9 ba l\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Ngo\u00e0i vi\u1ec7c t\u0103ng c\u01b0\u1eddng truy\u1ec1n th\u00f4ng v\u1ec1 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u1ebfn v\u1edbi ng\u01b0\u1eddi d\u00e2n, \u00f4ng cho r\u1eb1ng c\u00e1c CTTC c\u1ea7n x\u00e1c \u0111\u1ecbnh kinh doanh ph\u1ea3i uy t\u00edn, b\u00e0i b\u1ea3n v\u00e0 lu\u00f4n \u0111\u1eb7t quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng \u1edf m\u1ee9c cao nh\u1ea5t. \u00d4ng c\u0169ng \u0111\u01b0a ra \u0111\u1ec1 xu\u1ea5t c\u1ea7n duy tr\u00ec vi\u1ec7c \u0111\u0103ng k\u00fd m\u1eabu h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. N\u1ebfu b\u1ecf m\u1eabu n\u00e0y c\u1ea7n ph\u1ea3i c\u00f3 m\u1ed9t c\u01a1 ch\u1ebf kh\u00e1c \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n<p><strong>Lo\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh ra kh\u1ecfi Lu\u1eadt c\u00e1c TCTD<\/strong><\/p>\n<p>V\u1ec1 ph\u00e1p l\u00fd, LS \u0110\u1ee9c cho r\u1eb1ng c\u1ea7n c\u00f3 m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi 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.<\/p>\n<p>LS \u0110\u1ee9c \u0111\u00e1nh gi\u00e1, Th\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.<\/p>\n<p>LS 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.<\/p>\n<p><strong>Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng<\/strong><\/p>\n<p>Quay tr\u1edf l\u1ea1i v\u1edbi Th\u00f4ng t\u01b0 43, LS \u0110\u1ee9c cho hay c\u00e1c CTTC ban h\u00e0nh quy \u0111\u1ecbnh v\u1ec1 khung l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u00e1p d\u1ee5ng th\u1ed1ng nh\u1ea5t trong to\u00e0n h\u1ec7 th\u1ed1ng, trong t\u1eebng th\u1eddi k\u1ef3, g\u1ed3m m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t, th\u1ea5p nh\u1ea5t \u0111\u1ed1i v\u1edbi t\u1eebng s\u1ea3n ph\u1ea9m cho vay v\u00e0 \u0111\u01b0\u1ee3c quy\u1ec1n th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi t\u1eebng kh\u00e1ch h\u00e0ng.<\/p>\n<p>Theo quy lu\u1eadt cung c\u1ea7u v\u00e0 c\u1ea1nh tranh, s\u1ebd kh\u00f4ng c\u00f3 s\u1ef1 kh\u00e1c nhau qu\u00e1 l\u1edbn v\u1ec1 l\u00e3i su\u1ea5t cho vay v\u1edbi kho\u1ea3n vay cho c\u00e1c s\u1ea3n ph\u1ea9m t\u01b0\u01a1ng t\u1ef1, LS \u0110\u1ee9c nh\u1eadn x\u00e9t. C\u0169ng gi\u1ed1ng nh\u01b0 cho vay chung, l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng ph\u1ee5 thu\u1ed9c t\u1eebng kho\u1ea3n vay v\u00e0 t\u1eebng kh\u00e1ch h\u00e0ng. Kh\u00e1ch h\u00e0ng c\u00e0ng minh b\u1ea1ch v\u00e0 tin c\u1eady ch\u1ee9ng minh kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec l\u00e3i su\u1ea5t vay c\u00e0ng th\u1ea5p.<\/p>\n<p>Do vay ti\u00eau d\u00f9ng th\u01b0\u1eddng nh\u1ecf l\u1ebb v\u00e0 ng\u1eafn h\u1ea1n n\u00ean kh\u00e1ch h\u00e0ng \u00edt quan t\u00e2m \u0111\u1ebfn l\u00e3i su\u1ea5t ghi trong h\u1ee3p \u0111\u1ed3ng, m\u00e0 ch\u1ee7 y\u1ebfu quan t\u00e2m \u0111\u1ebfn kho\u1ea3n ti\u1ec1n c\u1ee5 th\u1ec3 ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng.<\/p>\n<p>Tr\u01b0\u1edbc \u0111\u00e2y, khi c\u00e1c CTTC c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh cho t\u1eebng kho\u1ea3n vay theo tu\u1ea7n, th\u00e1ng nh\u01b0ng kh\u00f4ng gi\u1ea3i th\u00edch r\u00f5, t\u1ea1o n\u00ean c\u1ea3m gi\u00e1c l\u00e3i su\u1ea5t th\u1ea5p, trong khi th\u1ef1c ch\u1ea5t r\u1ea5t cao.<\/p>\n<p>V\u00ed d\u1ee5 LS \u0110\u1ee9c n\u00eau, c\u00f9ng c\u00f4 b\u1ed1 l\u00e3i su\u1ea5t 1%\/th\u00e1ng \u0111\u1ed1i v\u1edbi kho\u1ea3n vay 10 tri\u1ec7u \u0111\u1ed3ng trong 12 th\u00e1ng, tr\u1ea3 g\u1ed1c m\u1ed7i th\u00e1ng 1 tri\u1ec7u \u0111\u1ed3ng, nh\u01b0ng n\u1ebfu ph\u1ea3i tr\u1ea3 l\u00e3i theo s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c c\u1ed1 \u0111\u1ecbnh ban \u0111\u1ea7u th\u00ec l\u00e3i su\u1ea5t s\u1ebd l\u00ean \u0111\u1ebfn 22%\/n\u0103m, kh\u00f4ng c\u00f2n l\u00e0 12%\/n\u0103m n\u1eefa. L\u00e3i su\u1ea5t cho vay th\u1ef1c c\u1ee7a CTTC ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 20-30%\/n\u0103m, th\u1eadm ch\u00ed c\u00f3 kho\u1ea3n vay l\u00ean \u0111\u1ebfn 60-70%\/n\u0103m.<\/p>\n<p>\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o ph\u1ea3n \u00e1nh \u0111\u00fang l\u00e3i su\u1ea5t, tr\u00e1nh t\u00ecnh tr\u1ea1ng con s\u1ed1 c\u00f4ng b\u1ed1 v\u00e0 th\u1ef1c ch\u1ea5t kh\u00e1c nhau, Th\u00f4ng t\u01b0 43 \u0111\u00e3 y\u00eau c\u1ea7u ph\u1ea3i \u0111\u01b0\u1ee3c \u201cquy \u0111\u1ecbnh \u0111\u1ed5i theo t\u1ef7 l\u1ec7 %\/n\u0103m\u201d, \u0111\u1ed3ng th\u1eddi ph\u1ea3i \u201ct\u00ednh theo s\u1ed1 d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf v\u00e0 th\u1eddi gian duy tr\u00ec s\u1ed1 d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf \u0111\u00f3\u201d. Theo \u0111\u00f3, b\u00ean c\u1ea1nh vi\u1ec7c c\u00f4ng b\u1ed1 1%\/th\u00e1ng, CTTC ph\u1ea3i c\u00f4ng b\u1ed1 l\u00e3i th\u1ef1c t\u1ebf l\u00e0 22%\/n\u0103m.<\/p>\n<p>LS \u0110\u1ee9c c\u0169ng ch\u1ec9 ra, so v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, CTTC b\u1ecb h\u1ea1n ch\u1ebf m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 v\u00e0 \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i c\u1ea1nh tranh kh\u1ed1c li\u1ec7u h\u01a1n. CTTC c\u0169ng g\u1eb7p kh\u00f3 v\u1ec1 ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng. Ph\u00eda ng\u00e2n h\u00e0ng c\u00f3 nhi\u1ec1u l\u1ee3i th\u1ebf nh\u01b0ng kh\u00f3 tri\u1ec3n khai h\u01a1n CTTC v\u00ec kh\u00f4ng th\u1ec3 kinh doanh d\u00e0n tr\u1ea3i. B\u1edfi cho vay ti\u00eau d\u00f9ng \u0111\u00f2i h\u1ecfi c\u1ea7n c\u00f3 s\u1ef1 chuy\u00ean s\u00e2u.<\/p>\n<p><strong>Dung<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p><strong><em>Th\u1eddi b\u00e1o Ch\u1ee9ng kho\u00e1n (T\u00e0i ch\u00ednh &#8211; Ti\u1ec1n t\u1ec7) 13-7-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/tbck.vn\/tai-chinh-tien-te\/104384\/can-minh-bach-lai-suat-cho-vay-tieu-dung-va-loai-cong-ty-tai-chinh-ra-khoi-luat-cac-tctd.aspx\">http:\/\/tbck.vn\/tai-chinh-tien-te\/104384\/can-minh-bach-lai-suat-cho-vay-tieu-dung-va-loai-cong-ty-tai-chinh-ra-khoi-luat-cac-tctd.aspx<\/a><\/em><\/p>\n<p><em>(1.188\/1.188)<\/em>","protected":false},"excerpt":{"rendered":"<p>(TBCK) &#8211; 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. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c. (\u1ea2nh: \u0110TCK). \u0110\u00f3 l\u00e0 \u00fd ki\u1ebfn nh\u1eadn \u0111\u1ecbnh c\u1ee7a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26312,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26314","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.422. 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