{"id":28038,"date":"2017-02-16T14:16:49","date_gmt":"2017-02-16T07:16:49","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=28038"},"modified":"2022-07-12T10:19:13","modified_gmt":"2022-07-12T03:19:13","slug":"1-219-can-ho-tro-cho-ca-nhan-vay-kinh-doanh","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-219-can-ho-tro-cho-ca-nhan-vay-kinh-doanh\/","title":{"rendered":"1.219. C\u1ea7n h\u1ed7 tr\u1ee3 cho c\u00e1 nh\u00e2n vay kinh doanh"},"content":{"rendered":"(\u0110TTC) –<\/strong> Theo Th\u00f4ng t\u01b0 39 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e1p nh\u00e2n nh\u01b0 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\u2026 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD). Nh\u01b0ng NHNN c\u0169ng cho bi\u1ebft c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c vay v\u1ed1n cho nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a h\u1ed9 kinh doanh, doanh nghi\u1ec7p (DN) t\u01b0 nh\u00e2n do ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 ch\u1ee7 h\u1ed9 kinh doanh ho\u1eb7c ch\u1ee7 DN t\u01b0 nh\u00e2n. Tuy nhi\u00ean, \u0111i\u1ec1u c\u00e1c h\u1ed9 kinh doanh lo ng\u1ea1i l\u00e0 l\u00e3i su\u1ea5t s\u1ebd \u00e1p d\u1ee5ng nh\u01b0 th\u1ebf n\u00e0o.<\/strong><\/p>\n

X\u00e1c \u0111\u1ecbnh \u0111\u1ed1i t\u01b0\u1ee3ng theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf<\/strong><\/p>\n

Cho vay h\u1ed9 kinh doanh l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m kh\u00e1 ph\u1ed5 bi\u1ebfn t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. \u0110\u1ec3 \u0111\u01b0a v\u1ed1n \u0111\u1ebfn c\u00e1c h\u1ed9 kinh doanh, nhi\u1ec1u NH \u0111\u00e3 x\u00e2y d\u1ef1ng s\u1ea3n ph\u1ea9m \u0111\u1eb7c th\u00f9 theo \u0111\u1ecba b\u00e0n, th\u00e2m nh\u1eadp c\u00e1c ch\u1ee3 truy\u1ec1n th\u1ed1ng \u0111\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c h\u1ed9 kinh doanh, ti\u1ec3u th\u01b0\u01a1ng tri\u1ec3n khai c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh cho vay, nh\u01b0 SHB cho vay h\u1ed9 kinh doanh t\u1ea1i ch\u1ee3 B\u00ecnh \u0110i\u1ec1n, ch\u1ee3 \u0110\u1ed3ng Xu\u00e2n.<\/p>\n

Hay OCB \u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ee3 B\u1ea1c Li\u00eau m\u1edbi, b\u00ean c\u1ea1nh vi\u1ec7c t\u00e0i tr\u1ee3 v\u1ed1n \u0111\u1ec3 ch\u1ee7 \u0111\u1ea7u t\u01b0 tri\u1ec3n khai d\u1ef1 \u00e1n, NH c\u00f2n cho ti\u1ec3u th\u01b0\u01a1ng vay v\u1ed1n \u0111\u1ec3 thu\u00ea s\u1ea1p kinh doanh t\u1ea1i ch\u1ee3 v\u1edbi h\u1ea1n m\u1ee9c l\u00ean \u0111\u1ebfn 200-300 tri\u1ec7u \u0111\u1ed3ng. Sacombank cho vay ti\u1ec3u th\u01b0\u01a1ng ch\u1ee3 v\u1edbi h\u1ea1n m\u1ee9c l\u00ean \u0111\u1ebfn 500 tri\u1ec7u \u0111\u1ed3ng, ph\u01b0\u01a1ng th\u1ee9c vay tr\u1ea3 g\u00f3p v\u1ed1n l\u00e3i chia \u0111\u1ec1u, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng s\u1ea1p Sacombank k\u00fd h\u1ee3p \u0111\u1ed3ng li\u00ean k\u1ebft v\u1edbi ban qu\u1ea3n l\u00fd ch\u1ee3. T\u1ea1i TPHCM, ban qu\u1ea3n l\u00fd m\u1ed9t s\u1ed1 ch\u1ee3 c\u0169ng ch\u1ee7 \u0111\u1ed9ng k\u1ebft n\u1ed1i v\u1edbi c\u00e1c NH \u0111\u1ec3 d\u1eabn d\u00f2ng t\u00edn d\u1ee5ng v\u00e0o cho ti\u1ec3u th\u01b0\u01a1ng vay v\u1ed1n thu\u00ea qu\u1ea7y s\u1ea1p.<\/p>\n\n\n\n
Theo ki\u1ebfn ngh\u1ecb c\u1ee7a VCCI V\u1edbi nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh kinh doanh, NHNN c\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh, h\u01b0\u1edbng d\u1eabn \u01b0u ti\u00ean li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u00e1 nh\u00e2n vay v\u1ed1n kinh doanh, t\u00e1ch bi\u1ec7t v\u1edbi vay v\u1ed1n ti\u00eau d\u00f9ng \u0111\u1ec3 \u00e1p d\u1ee5ng m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t ph\u00f9 h\u1ee3p, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c h\u1ed9 kinh doanh c\u00f3 v\u1ed1n \u0111\u1ec3 l\u00e0m \u0103n.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

M\u1eb7c d\u00f9 ngu\u1ed3n v\u1ed1n \u0111\u00e3 gi\u1ea3i ng\u00e2n cho nh\u00f3m kh\u00e1ch h\u00e0ng n\u00e0y c\u1ee7a c\u00e1c NH ch\u01b0a ph\u1ea3i l\u00e0 l\u1edbn so v\u1edbi kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p hay kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, nh\u01b0ng c\u0169ng \u0111\u00e3 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c kh\u00f4ng \u00edt ti\u1ec3u th\u01b0\u01a1ng, h\u1ed9 gia \u0111\u00ecnh c\u00f3 v\u1ed1n k\u1ecbp th\u1eddi \u0111\u1ec3 ph\u00e1t tri\u1ec3n kinh doanh. V\u00ec v\u1eady, nh\u1eefng th\u00f4ng tin ban \u0111\u1ea7u v\u1ec1 vi\u1ec7c h\u1ed9 kinh doanh kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n \u0111\u00e3 g\u00e2y ra lo ng\u1ea1i v\u1ec1 vi\u1ec7c ti\u1ebfp c\u1eadn v\u1ed1n \u0111\u1ec3 kinh doanh c\u1ee7a nh\u00f3m kh\u00e1ch h\u00e0ng n\u00e0y.<\/p>\n

Tr\u01b0\u1edbc v\u1ea5n \u0111\u1ec1 n\u00e0y, NHNN \u0111\u00e3 c\u00f3 th\u00f4ng b\u00e1o \u0111\u1ec3 n\u00f3i th\u00eam cho r\u00f5. C\u1ee5 th\u1ec3, theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh 1627\/2001\/Q\u0110-NHNN, ch\u1ee7 th\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n bao g\u1ed3m t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n Vi\u1ec7t Nam v\u00e0 n\u01b0\u1edbc ngo\u00e0i, bao g\u1ed3m c\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh, DN t\u01b0 nh\u00e2n, t\u1ed5 h\u1ee3p t\u00e1c v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c c\u00f3 n\u0103ng l\u1ef1c ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1.<\/p>\n

Trong khi \u0111\u00f3, tr\u00ean c\u01a1 s\u1edf c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh v\u1ec1 ch\u1ee7 th\u1ec3 (ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n), Th\u00f4ng t\u01b0 39 quy \u0111\u1ecbnh ch\u1ee7 th\u1ec3 vay v\u1ed1n ch\u1ec9 bao g\u1ed3m c\u00e1 nh\u00e2n Vi\u1ec7t Nam, c\u00e1 nh\u00e2n c\u00f3 qu\u1ed1c t\u1ecbch n\u01b0\u1edbc ngo\u00e0i, ph\u00e1p nh\u00e2n th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam, ph\u00e1p nh\u00e2n th\u00e0nh l\u1eadp \u1edf n\u01b0\u1edbc ngo\u00e0i v\u00e0 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

Nh\u01b0 v\u1eady, theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 v\u00e0 Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN, t\u1ed5 ch\u1ee9c kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n s\u1ebd kh\u00f4ng \u0111\u1ee7 t\u01b0 c\u00e1ch ch\u1ee7 th\u1ec3 vay v\u1ed1n nh\u01b0 h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 kinh doanh, DN t\u01b0 nh\u00e2n… Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN c\u0169ng quy \u0111\u1ecbnh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c vay v\u1ed1n cho nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a h\u1ed9 kinh doanh, DN t\u01b0 nh\u00e2n do ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 ch\u1ee7 h\u1ed9 kinh doanh ho\u1eb7c ch\u1ee7 DN t\u01b0 nh\u00e2n.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, ch\u1ee7 th\u1ec3 ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 bao g\u1ed3m c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n. C\u00f2n c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng nh\u01b0 h\u1ed9 gia \u0111\u00ecnh, t\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 kinh doanh l\u00e0 nh\u00f3m c\u00e1 nh\u00e2n n\u00ean B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 2015 \u0111\u00e3 x\u00f3a ch\u1ee7 th\u1ec3 n\u00e0y.
\n<\/em>
\nQuy \u0111\u1ecbnh tr\u00ean c\u1ee7a Th\u00f4ng t\u01b0 39 ch\u1ec9 nh\u1eb1m x\u00e1c \u0111\u1ecbnh l\u1ea1i \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n NH g\u1ed3m ph\u00e1p nh\u00e2n v\u00e0 c\u00e1 nh\u00e2n theo th\u00f4ng l\u1ec7 chung. Tuy nhi\u00ean, ngu\u1ed3n v\u1ed1n NH ph\u1ee5c v\u1ee5 cho \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y c\u0169ng kh\u00f4ng b\u1ecb gi\u00e1n \u0111o\u1ea1n, b\u1edfi t\u1eeb ng\u00e0y 15-3, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean s\u1ebd giao d\u1ecbch v\u1edbi NH v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n thay v\u00ec h\u1ed9 kinh doanh nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

Lo l\u00e3i su\u1ea5t b\u1eb1ng l\u00e3i vay ti\u00eau d\u00f9ng<\/strong><\/p>\n

Nh\u1eadn \u0111\u1ecbnh v\u1ec1 quy \u0111\u1ecbnh n\u00e0y, TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh NH, cho r\u1eb1ng c\u1ea7n thi\u1ebft \u0111i\u1ec1u ch\u1ec9nh nh\u1eb1m gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00edn d\u1ee5ng v\u00e0 d\u1ec5 d\u00e0ng gi\u1ea3i quy\u1ebft n\u1ebfu x\u1ea3y ra tranh ch\u1ea5p t\u00edn d\u1ee5ng. N\u1ebfu cho vay h\u1ed9 kinh doanh \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c c\u1ea3 h\u1ed9 gia \u0111\u00ecnh ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi kho\u1ea3n vay, nay quy \u0111\u1ecbnh l\u1ea1i \u0111\u1ed1i t\u01b0\u1ee3ng vay s\u1ebd l\u00e0m r\u00f5 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay v\u1ed1n NH.<\/p>\n

\u0110\u1ed3ng t\u00ecnh v\u1edbi quan \u0111i\u1ec3m n\u00e0y, t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t NHTMCP cho r\u1eb1ng quy \u0111\u1ecbnh h\u1ed9 kinh doanh kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n l\u00e0 h\u1ee3p l\u00fd, v\u00ec m\u1ed7i h\u1ed9 kinh doanh \u0111\u1ec1u c\u00f3 ch\u1ee7 kinh doanh, do \u0111\u00f3 ch\u1ee7 \u0111\u1ea1i di\u1ec7n n\u00e0y c\u00f3 th\u1ec3 \u0111\u1ee9ng ra vay v\u1ed1n NH. \u0110i\u1ec1u n\u00e0y s\u1ebd tr\u00e1nh \u0111\u01b0\u1ee3c vi\u1ec7c c\u00e1c b\u00ean g\u1eb7p kh\u00f3 kh\u0103n n\u1ebfu x\u1ea3y ra tranh ch\u1ea5p, ki\u1ec7n t\u1ee5ng v\u00ec h\u1ed9 kinh doanh kh\u00f4ng c\u00f3 t\u01b0 c\u00e1ch ph\u00e1p nh\u00e2n.<\/p>\n

\"\"<\/p>\n

V\u1ea5n \u0111\u1ec1 c\u00f2n l\u1ea1i l\u00e0 m\u1ed1i lo v\u1ec1 l\u00e3i su\u1ea5t. Theo nhi\u1ec1u chuy\u00ean gia, tr\u01b0\u1edbc nay, c\u00e1c NH v\u1eabn cung c\u1ea5p t\u00edn d\u1ee5ng cho c\u00e1c h\u1ed9 kinh doanh v\u00e0 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t d\u00e0nh cho s\u1ea3n xu\u1ea5t kinh doanh th\u00f4ng th\u01b0\u1eddng, c\u00f3 th\u1ec3 cao h\u01a1n so v\u1edbi c\u00e1c DN do h\u1ea1n m\u1ee9c t\u00edn nhi\u1ec7m nh\u01b0ng c\u0169ng kh\u00f4ng ch\u00eanh l\u1ec7ch qu\u00e1 cao. Nh\u01b0ng n\u1ebfu vay v\u1edbi t\u01b0 c\u00e1ch c\u00e1 nh\u00e2n, nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y c\u00f3 th\u1ec3 s\u1ebd ch\u1ecbu l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng.<\/p>\n

M\u1ee9c ch\u00eanh l\u1ec7ch n\u00e0y s\u1ebd r\u1ea5t l\u1edbn trong khi l\u1ee3i nhu\u1eadn c\u1ee7a nh\u00f3m kh\u00e1ch h\u00e0ng n\u00e0y l\u1ea1i nh\u1ecf, gi\u1ea3m \u0111\u1ed9ng l\u1ef1c vay v\u1ed1n kinh doanh. \u0110\u00f3 l\u00e0 v\u1ea5n \u0111\u1ec1 c\u00e1c NH c\u1ea7n c\u00e2n nh\u1eafc, t\u00ednh to\u00e1n n\u1ebfu mu\u1ed1n m\u1edf r\u1ed9ng cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n vay v\u1ed1n kinh doanh.<\/p>\n

S\u1ed1 li\u1ec7u t\u1eeb Ph\u00f2ng Th\u01b0\u01a1ng m\u1ea1i – C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) cho bi\u1ebft hi\u1ec7n c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng tr\u00ean 5,6 tri\u1ec7u h\u1ed9 kinh doanh phi ch\u00ednh th\u1ee9c v\u00e0 ch\u00ednh th\u1ee9c ch\u01b0a ph\u1ea3i l\u00e0 DN. C\u00e1c h\u1ed9 kinh doanh n\u00e0y ch\u1ee7 y\u1ebfu s\u1eed d\u1ee5ng v\u1ed1n t\u1ef1 c\u00f3, vay m\u01b0\u1ee3n gia \u0111\u00ecnh, b\u1ea1n b\u00e8. V\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y, khi \u0111\u1ea7u ra t\u1ea1i c\u00e1c NH h\u1ea1n h\u1eb9p h\u01a1n, nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y m\u1edbi \u0111\u01b0\u1ee3c ch\u00fa \u00fd nhi\u1ec1u, \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ed9t s\u1ed1 \u01b0u ti\u00ean v\u1ec1 v\u1ed1n, l\u00e3i su\u1ea5t.<\/p>\n

Nh\u01b0ng s\u1eafp t\u1edbi, \u0111i\u1ec1u ki\u1ec7n ti\u1ebfp c\u1eadn v\u1ed1n vay s\u1ebd kh\u00f3 kh\u0103n h\u01a1n. Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, nh\u1eefng h\u1ed9 kinh doanh c\u00f3 quy m\u00f4 l\u1edbn s\u1eed d\u1ee5ng th\u01b0\u1eddng xuy\u00ean t\u1eeb 10 lao \u0111\u1ed9ng tr\u1edf l\u00ean, h\u1ed9 kinh doanh trong ng\u00e0nh, ngh\u1ec1 d\u1ecbch v\u1ee5 may m\u1eb7c, \u0103n u\u1ed1ng, h\u1ed9 kinh doanh trong c\u00e1c ng\u00e0nh ngh\u1ec1 kh\u00e1c nh\u01b0ng th\u01b0\u1eddng xuy\u00ean s\u1eed d\u1ee5ng h\u00f3a \u0111\u01a1n ho\u1eb7c n\u1ed9p thu\u1ebf kho\u00e1n t\u1eeb 20 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng tr\u1edf l\u00ean, n\u00ean xem x\u00e9t chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh kinh doanh th\u00e0nh DN, s\u1ebd d\u1ec5 d\u00e0ng h\u01a1n khi vay v\u1ed1n NH, c\u0169ng nh\u01b0 huy \u0111\u1ed9ng s\u1ef1 tham gia g\u00f3p v\u1ed1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c.<\/p>\n

\u0110\u1ed7 Linh<\/strong><\/p>\n

—————————-<\/p>\n

S\u00e0i G\u00f2n \u0110\u1ea7u t\u01b0 t\u00e0i ch\u00ednh (Doanh nghi\u1ec7p) 16-02-2017:<\/em><\/strong><\/p>\n

http:\/\/www.saigondautu.com.vn\/pages\/20170215\/can-ho-tro-cho-ca-nhan-vay-kinh-doanh.aspx<\/a><\/em><\/p>\n

(60\/1.334)<\/em>","protected":false},"excerpt":{"rendered":"

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