{"id":27942,"date":"2017-02-14T10:10:50","date_gmt":"2017-02-14T03:10:50","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27942"},"modified":"2022-06-17T10:13:02","modified_gmt":"2022-06-17T03:13:02","slug":"1-210-ho-kinh-doanh-khong-duoc-vay-von-ngan-hang-nhieu-nguoi-lo-vi-hieu-sai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-210-ho-kinh-doanh-khong-duoc-vay-von-ngan-hang-nhieu-nguoi-lo-vi-hieu-sai\/","title":{"rendered":"1.210. H\u1ed9 kinh doanh kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng: Nhi\u1ec1u ng\u01b0\u1eddi lo v\u00ec hi\u1ec3u sai"},"content":{"rendered":"(G\u0110) – Tr\u01b0\u1edbc th\u00f4ng tin c\u00e1c h\u1ed9 kinh doanh c\u00e1 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng theo Th\u00f4ng t\u01b0 39, nhi\u1ec1u ng\u01b0\u1eddi t\u1ecf ra lo l\u1eafng v\u00ec ho\u1eb7c ph\u1ea3i l\u00e0m th\u1ee7 t\u1ee5c th\u00e0nh l\u1eadp doanh nghi\u1ec7p ph\u1ee9c t\u1ea1p, r\u01b0\u1eddm r\u00e0, ho\u1eb7c ph\u1ea3i vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n s\u1ebd c\u00f3 l\u00e3i su\u1ea5t cao h\u01a1n.<\/strong><\/p>\n

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Nhi\u1ec1u h\u1ed9 kinh doanh c\u00e1 th\u1ec3 b\u0103n kho\u0103n khi Th\u00f4ng t\u01b0 39 c\u00f3 hi\u1ec7u l\u1ef1c. Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng lo. \u1ea2nh:\u2008L.N<\/p>\n

D\u1eebng k\u1ebf ho\u1ea1ch kh\u1edfi nghi\u1ec7p v\u00ec lo kh\u00f4ng vay \u0111\u01b0\u1ee3c v\u1ed1n<\/strong><\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/1\/2017), ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 ch\u1ec9 bao g\u1ed3m ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n v\u00e0 \u0111\u1ec3 ph\u00f9 h\u1ee3p, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 b\u1ed5 sung quy \u0111\u1ecbnh v\u00e0o Th\u00f4ng t\u01b0 39 (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 15\/3\/2017), c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay v\u1ed1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 l\u00e0 ph\u00e1p nh\u00e2n, c\u00e1 nh\u00e2n. Nh\u01b0 v\u1eady, \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh\u2026 mu\u1ed1n vay v\u1ed1n \u0111\u1ec3 kinh doanh, h\u1ecd b\u1eaft bu\u1ed9c ph\u1ea3i th\u00e0nh l\u1eadp doanh nghi\u1ec7p ho\u1eb7c vay v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n.<\/p>\n

B\u00e0 Nguy\u1ec5n Th\u1ecb Hoa, m\u1ed9t h\u1ed9 kinh doanh c\u00e1c m\u1eb7t h\u00e0ng t\u1ea1p h\u00f3a, ti\u00eau d\u00f9ng (d\u01b0\u1edbi d\u1ea1ng \u0111\u1ea1i l\u00fd t\u1ed5ng h\u1ee3p) \u1edf \u0111\u01b0\u1eddng Xu\u00e2n La (ph\u01b0\u1eddng Xu\u00e2n La, qu\u1eadn T\u00e2y H\u1ed3, TP H\u00e0 N\u1ed9i) cho bi\u1ebft: \u201cN\u0103m ngo\u00e1i, \u0111\u1ec3 m\u1edf \u0111\u1ea1i l\u00fd n\u00e0y, t\u00f4i vay m\u01b0\u1ee3n \u0111\u01b0\u1ee3c 300 tri\u1ec7u, sau \u0111\u00f3 l\u00e0m th\u1ee7 t\u1ee5c vay v\u1ed1n ng\u00e2n h\u00e0ng h\u01a1n 400 tri\u1ec7u n\u1eefa. B\u00e2y gi\u1edd nghe tin mu\u1ed1n ti\u1ebfp t\u1ee5c vay v\u1ed1n, ph\u1ea3i th\u00e0nh l\u1eadp doanh nghi\u1ec7p, t\u00f4i th\u1ea5y n\u1ea3n qu\u00e1. Vay v\u1edbi t\u01b0 c\u00e1ch ch\u1ee7 h\u1ed9 kinh doanh th\u00ec ngo\u00e0i l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i, th\u00ec vi\u1ec7c qu\u1ea3n l\u00fd, n\u1ed9p thu\u1ebf c\u0169ng kh\u00e1 \u0111\u01a1n gi\u1ea3n. Gi\u1edd th\u00e0nh l\u1eadp doanh nghi\u1ec7p ph\u1ea3i l\u00e0m th\u1ee7 t\u1ee5c th\u00e0nh l\u1eadp, kh\u1eafc d\u1ea5u, h\u00e0ng qu\u00fd, h\u00e0ng n\u0103m ph\u1ea3i b\u00e1o c\u00e1o t\u00e0i ch\u00ednh r\u1ea5t ph\u1ee9c t\u1ea1p\u201d.<\/p>\n

C\u0169ng nh\u01b0 b\u00e0 Hoa, ch\u1ecb L\u00ea V\u00e2n Anh, m\u1ed9t ti\u1ec3u th\u01b0\u01a1ng bu\u00f4n b\u00e1n nh\u1ecf \u1edf Ch\u1ee3 Canh (ph\u01b0\u1eddng Xu\u00e2n Ph\u01b0\u01a1ng, qu\u1eadn Nam T\u1eeb Li\u00eam, H\u00e0 N\u1ed9i) cho hay, tr\u01b0\u1edbc nay ch\u1ecb v\u00e0 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi b\u1ea1n \u1edf ch\u1ee3 n\u00e0y ch\u1ec9 quen l\u00e0m \u0103n nh\u1ecf l\u1ebb. Tuy nhi\u00ean, m\u1ed7i c\u1eeda h\u00e0ng m\u1edf ra, s\u1ed1 v\u1ed1n c\u0169ng l\u00ean t\u1edbi c\u1ea3 tr\u0103m tri\u1ec7u \u0111\u1ed3ng n\u00ean ngo\u00e0i v\u1ed1n gom g\u00f3p \u0111\u01b0\u1ee3c, h\u1ecd ph\u1ea3i vay m\u01b0\u1ee3n ng\u01b0\u1eddi th\u00e2n ho\u1eb7c ng\u00e2n h\u00e0ng. \u201cTrong 10 h\u1ed9 kinh doanh c\u00e1 th\u1ec3 \u1edf \u0111\u00e2y th\u00ec c\u00f3 \u00edt nh\u1ea5t 4 – 5 ng\u01b0\u1eddi ph\u1ea3i vay v\u1ed1n ng\u00e2n h\u00e0ng. Nhu c\u1ea7u bu\u00f4n b\u00e1n kh\u00f4ng l\u1edbn n\u00ean b\u1ea3o th\u00e0nh l\u1eadp doanh nghi\u1ec7p th\u00ec ch\u00fang t\u00f4i kh\u00f4ng c\u00f3 kinh nghi\u1ec7m \u0111\u1ec3 qu\u1ea3n l\u00fd s\u1ed5 s\u00e1ch, con d\u1ea5u, ch\u1ee9ng t\u1eeb. N\u1ebfu b\u1eaft bu\u1ed9c, ch\u1eb3ng nh\u1ebd ch\u00fang t\u00f4i ph\u1ea3i thu\u00ea nh\u00e2n vi\u00ean \u0111\u1ec3 qu\u1ea3n l\u00fd c\u00e1i c\u1eeda h\u00e0ng b\u00e9 t\u00ed n\u00e0y? M\u1eb7t kh\u00e1c, l\u1ee3i nhu\u1eadn th\u00ec kh\u00f4ng nhi\u1ec1u, n\u1ebfu vay v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n (d\u01b0\u1edbi d\u1ea1ng mua s\u1eafm) th\u00ec l\u00e3i su\u1ea5t cao, ch\u00fang t\u00f4i sao ch\u1ecbu n\u1ed5i?\u201d, ch\u1ecb V\u00e2n Anh lo l\u1eafng.<\/p>\n

Anh Nguy\u1ec5n Ho\u00e0ng Vinh (qu\u00ea \u1edf TP Vinh, Ngh\u1ec7 An), sinh vi\u00ean m\u1edbi t\u1ed1t nghi\u1ec7p \u0110H Kinh t\u1ebf qu\u1ed1c d\u00e2n v\u00e0 hi\u1ec7n \u0111ang l\u00e0m nh\u00e2n vi\u00ean cho m\u1ed9t qu\u00e1n \u0103n tr\u00ean \u0111\u01b0\u1eddng T\u00f4 Hi\u1ec7u (qu\u1eadn C\u1ea7u Gi\u1ea5y) chia s\u1ebb: \u201cSau khi t\u1ed1t nghi\u1ec7p \u0110\u1ea1i h\u1ecdc, t\u00f4i \u0111i l\u00e0m th\u00eam cho m\u1ed9t v\u00e0i qu\u00e1n \u0103n \u0111\u1ec3 l\u1ea5y kinh nghi\u1ec7m sau \u0111\u00f3 c\u00f9ng b\u1ea1n b\u00e8 \u1edf H\u00e0 N\u1ed9i g\u00f3p v\u1ed1n \u0111\u1ec3 m\u1edf c\u1eeda h\u00e0ng \u0103n u\u1ed1ng. Ch\u00fang t\u00f4i \u0111\u00e3 g\u1ea7n nh\u01b0 quy\u1ebft \u0111\u1ecbnh xong v\u1ec1 vi\u1ec7c kinh doanh, \u0111ang l\u00e0m th\u1ee7 t\u1ee5c vay v\u1ed1n ng\u00e2n h\u00e0ng th\u00ec c\u00f3 th\u00f4ng tin n\u00e0y. B\u00ean ph\u00eda ng\u00e2n h\u00e0ng \u0111\u00e3 th\u00f4ng b\u00e1o t\u1ea1m th\u1eddi d\u1eebng l\u1ea1i vi\u1ec7c cho vay v\u1ed1n n\u00ean ch\u00fang t\u00f4i ph\u1ea3i b\u1eaft \u0111\u1ea7u l\u1ea1i m\u1ecdi vi\u1ec7c t\u1eeb \u0111\u1ea7u. N\u1ebfu t\u00ednh ph\u01b0\u01a1ng \u00e1n l\u1eadp c\u00f4ng ty th\u00ec v\u1edbi quy m\u00f4 kinh doanh nh\u1ecf l\u1ebb, vi\u1ec7c ph\u1ea3i thu\u00ea c\u00e1c nh\u00e2n s\u1ef1 ph\u1ee5 tr\u00e1ch s\u1ebd th\u00eam t\u1ed1n k\u00e9m. C\u00f2n n\u1ebfu c\u00e1c c\u00e1 nh\u00e2n \u0111\u1ee9ng ra vay v\u1ed1n d\u01b0\u1edbi d\u1ea1ng vay ti\u00eau d\u00f9ng, vay mua s\u1eafm v\u1edbi l\u00e3i su\u1ea5t nh\u01b0 hi\u1ec7n nay th\u00ec b\u01b0\u1edbc \u0111\u1ea7u kh\u1edfi nghi\u1ec7p s\u1ebd r\u1ea5t kh\u00f3 c\u00f3 l\u00e3i\u201d.<\/p>\n

C\u1ea7n hi\u1ec3u th\u1ebf n\u00e0o cho \u0111\u00fang?<\/strong><\/p>\n

Theo th\u1ed1ng k\u00ea ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), hi\u1ec7n tr\u00ean c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng 5,6 tri\u1ec7u h\u1ed9 kinh doanh c\u00e1 th\u1ec3. Ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u00e1 th\u1ec3 mang t\u00ednh t\u1ef1 ch\u1ee7 cao, t\u1ef1 t\u00ecm ki\u1ebfm ngu\u1ed3n l\u1ef1c, v\u1ed1n, s\u1ee9c lao \u0111\u1ed9ng. Nhi\u1ec1u chuy\u00ean gia kinh t\u1ebf cho r\u1eb1ng, \u0111\u00e2y l\u00e0 th\u00e0nh ph\u1ea7n kinh t\u1ebf nh\u1ea1y b\u00e9n trong kinh doanh, d\u1ec5 d\u00e0ng chuy\u1ec3n \u0111\u1ed5i ng\u00e0nh ngh\u1ec1 kinh doanh cho ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 n\u1ec1n kinh t\u1ebf. Th\u1ef1c t\u1ebf \u0111\u00e3 ch\u1ee9ng minh, c\u00e1c h\u1ed9 kinh doanh c\u00e1 th\u1ec3 \u0111\u00e3 t\u1ea1o ra nhi\u1ec1u ch\u1ee7ng lo\u1ea1i s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 \u1edf m\u1ecdi n\u01a1i, m\u1ecdi l\u00fac, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a x\u00e3 h\u1ed9i, \u0111\u00f3ng vai tr\u00f2 v\u1ec7 tinh cho c\u00e1c doanh nghi\u1ec7p trong n\u1ec1n kinh t\u1ebf. C\u00f3 nh\u1eefng ng\u00e0nh ngh\u1ec1 n\u1ebfu t\u1ed5 ch\u1ee9c s\u1ea3n xu\u1ea5t t\u1eadp th\u1ec3 ho\u1eb7c do Nh\u00e0 n\u01b0\u1edbc \u0111\u1ea3m nhi\u1ec7m v\u1edbi quy m\u00f4 l\u1edbn s\u1ebd kh\u00f4ng c\u00f3 hi\u1ec7u qu\u1ea3 ho\u1eb7c hi\u1ec7u qu\u1ea3 th\u1ea5p h\u01a1n so v\u1edbi vi\u1ec7c t\u1ed5 ch\u1ee9c s\u1ea3n xu\u1ea5t nh\u1ecf \u1edf c\u00e1c h\u1ed9 gia \u0111\u00ecnh.<\/p>\n

Sau khi th\u00f4ng tin Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 15\/3, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e1p nh\u00e2n (h\u1ed9 kinh doanh, h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, t\u1ed5 ch\u1ee9c kh\u00e1c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n – PV) kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n. V\u1ee5 Ph\u00e1p ch\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft: Quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3 tham gia quan h\u1ec7 d\u00e2n s\u1ef1 (bao g\u1ed3m c\u1ea3 h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n) ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. Quy \u0111\u1ecbnh v\u1ec1 kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i Th\u00f4ng t\u01b0 39 l\u00e0 th\u1ef1c hi\u1ec7n (ph\u1ea3i b\u1ea3o \u0111\u1ea3m ph\u00f9 h\u1ee3p v\u1edbi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015) quy \u0111\u1ecbnh \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015. Tr\u01b0\u1edbc vi\u1ec7c nhi\u1ec1u ng\u01b0\u1eddi cho r\u1eb1ng, c\u00e1c h\u1ed9 kinh doanh n\u1ebfu kh\u00f4ng chuy\u1ec3n \u0111\u1ed5i th\u00e0nh doanh nghi\u1ec7p s\u1ebd kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i, ph\u00eda NHNN cho bi\u1ebft: L\u00e3i su\u1ea5t vay do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy\u1ebft \u0111\u1ecbnh t\u00f9y thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch vay v\u1ed1n (kinh doanh hay ti\u00eau d\u00f9ng), th\u1eddi h\u1ea1n vay, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, t\u00ednh kh\u1ea3 thi c\u1ee7a ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n, chi ph\u00ed \u0111\u1ea7u v\u00e0o c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Theo \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 t\u1ecbch C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng th\u00ec quy \u0111\u1ecbnh trong Th\u00f4ng t\u01b0 39 ch\u1ec9 \u0111\u01a1n thu\u1ea7n \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i \u0111\u1ec3 l\u00e0m r\u00f5 thu\u1eadt ng\u1eef, kh\u00e1i ni\u1ec7m. Vi\u1ec7c b\u1ecf ch\u1ee7 th\u1ec3 vay v\u1ed1n h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh ch\u1ec9 l\u00e0 thay \u0111\u1ed5i v\u1ecf h\u00ecnh th\u1ee9c l\u00e0 t\u00ean g\u1ecdi. \u201cTheo \u0111\u00f3, t\u1eeb nay tr\u1edf \u0111i, h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh s\u1ebd giao d\u1ecbch v\u1edbi t\u01b0 c\u00e1ch c\u1ee7a c\u00e1 nh\u00e2n, ch\u1ee9 ch\u1ee7 h\u1ed9 kh\u00f4ng c\u00f2n \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u1ea1i di\u1ec7n cho h\u1ed9 nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y n\u1eefa. V\u00e0 trong th\u00f4ng b\u00e1o m\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng ch\u1ec9 r\u00f5, tr\u01b0\u1eddng h\u1ee3p vay ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng kinh doanh, c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 vay \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n c\u1ee7a ch\u00ednh c\u00e1 nh\u00e2n \u0111\u00f3 v\u00e0 nhu c\u1ea7u v\u1ed1n c\u1ee7a h\u1ed9 kinh doanh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n m\u00e0 c\u00e1 nh\u00e2n \u0111\u00f3 l\u00e0 ch\u1ee7. Nh\u01b0 v\u1eady, \u0111\u1ec3 vay v\u1ed1n, c\u00e1c h\u1ed9 kinh doanh ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i th\u00e0nh doanh nghi\u1ec7p ho\u1eb7c ch\u1ee7 h\u1ed9 ph\u1ea3i t\u1ef1 \u0111\u1ee9ng t\u00ean vay. N\u00f3i c\u00e1ch kh\u00e1c, vi\u1ec7c vay v\u1ed1n s\u1ebd ti\u1ebfn h\u00e0nh b\u1eb1ng danh ngh\u0129a t\u1eebng c\u00e1 nh\u00e2n, c\u00e1 nh\u00e2n t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3, ch\u1ee9 kh\u00f4ng ph\u1ea3i v\u1edbi danh ngh\u0129a h\u1ed9 gia \u0111\u00ecnh, h\u1ed9 kinh doanh\u201d, \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c gi\u1ea3i th\u00edch.<\/em><\/p>\n

L\u00ea Nhung<\/strong><\/p>\n

—————————-<\/p>\n

Gia \u0111\u00ecnh (Th\u1ecb tr\u01b0\u1eddng) 14-02-2017:<\/em><\/strong><\/p>\n

http:\/\/giadinh.net.vn\/thi-truong\/ho-kinh-doanh-khong-duoc-vay-von-ngan-hang-nhieu-nguoi-lo-vi-hieu-sai-20170214090159085.htm<\/a><\/em><\/p>\n

(212\/1.322)<\/em>","protected":false},"excerpt":{"rendered":"

(G\u0110) – Tr\u01b0\u1edbc th\u00f4ng tin c\u00e1c h\u1ed9 kinh doanh c\u00e1 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng theo Th\u00f4ng t\u01b0 39, nhi\u1ec1u ng\u01b0\u1eddi t\u1ecf ra lo l\u1eafng v\u00ec ho\u1eb7c ph\u1ea3i l\u00e0m th\u1ee7 t\u1ee5c th\u00e0nh l\u1eadp doanh nghi\u1ec7p ph\u1ee9c t\u1ea1p, r\u01b0\u1eddm r\u00e0, ho\u1eb7c ph\u1ea3i vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n s\u1ebd c\u00f3 l\u00e3i su\u1ea5t cao […]<\/p>\n","protected":false},"author":3,"featured_media":27943,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27942","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.210. 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