{"id":29332,"date":"2015-11-26T13:52:40","date_gmt":"2015-11-26T06:52:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29332"},"modified":"2022-06-23T13:56:35","modified_gmt":"2022-06-23T06:56:35","slug":"834-cho-vay-tieu-dung-phat-trien-se-day-lui-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/834-cho-vay-tieu-dung-phat-trien-se-day-lui-tin-dung-den\/","title":{"rendered":"834. Cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n s\u1ebd \u0111\u1ea9y l\u00f9i \u2018t\u00edn d\u1ee5ng \u0111en\u2019"},"content":{"rendered":"(CP) – Ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng, b\u1ea3o \u0111\u1ea3m ng\u01b0\u1eddi d\u00e2n c\u00f3 \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin v\u1ec1 quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 khi vay v\u1ed1n s\u1ebd gi\u00fap g\u00f3p ph\u1ea7n ng\u0103n ng\u1eeba t\u00ecnh tr\u1ea1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/strong><\/p>\n

Th\u1ef1c t\u1ebf, v\u1eeba qua c\u00f3 nhi\u1ec1u v\u1ee5 vi\u1ec7c x\u1ea3y ra \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi ngh\u00e8o hay thi\u1ebfu hi\u1ec3u bi\u1ebft do t\u00edn d\u1ee5ng \u0111en. Do v\u1eabn c\u00f2n nh\u1eefng k\u1ebd h\u1edf trong quy \u0111\u1ecbnh, ch\u1ebf t\u00e0i c\u00f2n ch\u01b0a nghi\u00eam n\u00ean t\u1ea1i m\u1ed9t s\u1ed1 \u0111\u1ecba ph\u01b0\u01a1ng, t\u00edn d\u1ee5ng \u0111en v\u1eabn c\u00f2n ho\u00e0nh h\u00e0nh.<\/p>\n

Theo T\u1ed5ng c\u1ee5c C\u1ea3nh s\u00e1t (B\u1ed9 C\u00f4ng an), t\u1eeb n\u0103m 2010 \u0111\u1ebfn 2014, \u0111\u00e3 x\u1ea3y ra h\u00e0ng tr\u0103m v\u1ee5 v\u1ee1 n\u1ee3 l\u1edbn v\u1edbi thi\u1ec7t h\u1ea1i l\u00ean t\u1edbi h\u00e0ng ngh\u00ecn t\u1ec9 \u0111\u1ed3ng. Li\u00ean quan t\u1edbi c\u00e1c v\u1ee5 v\u1ee1 n\u1ee3 n\u00e0y l\u00e0 41 v\u1ee5 gi\u1ebft ng\u01b0\u1eddi, 318 v\u1ee5 c\u1ed1 \u00fd g\u00e2y th\u01b0\u01a1ng t\u00edch, 588 v\u1ee5 c\u01b0\u1edbp t\u00e0i s\u1ea3n. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 ti\u1ec1n \u00e1n, ti\u1ec1n s\u1ef1, c\u00f4n \u0111\u1ed3 hung h\u00e3n t\u1ee5 t\u1eadp th\u00e0nh b\u0103ng nh\u00f3m, b\u1eaft gi\u1eef ng\u01b0\u1eddi tr\u00e1i ph\u00e1p lu\u1eadt \u0111\u1ec3 si\u1ebft n\u1ee3, \u0111\u00f2i n\u1ee3 thu\u00ea, truy s\u00e1t con n\u1ee3\u2026<\/p>\n

\u0110\u1ec3 ng\u0103n ng\u1eeba t\u00ecnh tr\u1ea1ng tr\u00ean, b\u00ean c\u1ea1nh vi\u1ec7c ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd, t\u0103ng ch\u1ebf t\u00e0i x\u1eed l\u00fd vi ph\u1ea1m, m\u1ed9t gi\u1ea3i ph\u00e1p h\u1eefu hi\u1ec7u l\u00e0 ph\u00e1t tri\u1ec3n m\u1ea1nh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng m\u1ed9t c\u00e1ch l\u00e0nh m\u1ea1nh.<\/p>\n

\u00d4ng B\u00f9i Qu\u1ed1c D\u0169ng, 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) \u0111\u00e1nh gi\u00e1, cho vay ti\u00eau d\u00f9ng c\u00f3 nhi\u1ec1u t\u00e1c d\u1ee5ng, trong \u0111\u00f3 c\u00f3 vi\u1ec7c g\u00f3p ph\u1ea7n thu h\u1eb9p c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay phi ch\u00ednh th\u1ee9c, gi\u00fap ng\u01b0\u1eddi d\u00e2n c\u00f3 nhu c\u1ea7u vay ti\u00eau d\u00f9ng kh\u00f4ng ph\u1ea3i t\u00ecm \u0111\u1ebfn c\u00e1c lo\u1ea1i h\u00ecnh cho vay n\u1eb7ng l\u00e3i, \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u1edbi l\u00e3i su\u1ea5t qu\u00e1 cao, tr\u00e1nh \u0111\u01b0\u1ee3c r\u1ee7i ro.<\/p>\n

\u00d4ng D\u0169ng d\u1eabn s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea m\u1edbi nh\u1ea5t c\u1ee7a V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng \u0111\u1ebfn th\u00e1ng 9\/2015 t\u0103ng 31,49% so v\u1edbi cu\u1ed1i n\u0103m 2014, chi\u1ebfm t\u1ec9 tr\u1ecdng 8,02% so v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng to\u00e0n h\u1ec7 th\u1ed1ng.<\/p>\n

Trong \u0111\u00f3, d\u01b0 n\u1ee3 cho vay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng t\u0103ng 32,41% so v\u1edbi cu\u1ed1i n\u0103m 2014 (chi\u1ebfm t\u1ec9 tr\u1ecdng 96,27% t\u1ed5ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng), cho vay th\u00f4ng qua nghi\u1ec7p v\u1ee5 ph\u00e1t h\u00e0nh v\u00e0 s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng t\u0103ng 11,41% so v\u1edbi cu\u1ed1i n\u0103m 2014 (chi\u1ebfm 3,73%). \u0110i\u1ec1u n\u00e0y cho th\u1ea5y t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111ang ph\u00e1t tri\u1ec3n kh\u00e1 m\u1ea1nh trong n\u0103m 2015.<\/p>\n

D\u01b0 n\u1ee3 cho vay \u0111\u1ed1i v\u1edbi h\u1ea7u h\u1ebft c\u00e1c nhu c\u1ea7u \u0111\u1ec1u t\u0103ng. Trong \u0111\u00f3, cho vay \u0111\u1ec3 mua, s\u1eeda ch\u1eefa nh\u00e0 v\u00e0 mua nh\u00e0 \u0111\u1ec3 \u1edf v\u1edbi ngu\u1ed3n tr\u1ea3 n\u1ee3 b\u1eb1ng ti\u1ec1n l\u01b0\u01a1ng t\u0103ng \u1edf m\u1ee9c kh\u00e1 cao v\u00e0 chi\u1ebfm t\u1ec9 tr\u1ecdng l\u1edbn nh\u1ea5t. Ri\u00eang d\u01b0 n\u1ee3 cho vay th\u1ea5u chi qua t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a c\u00e1 nh\u00e2n gi\u1ea3m.<\/p>\n

T\u0103ng c\u1ea1nh tranh \u0111\u1ec3 minh b\u1ea1ch, h\u1ea1 th\u1ea5p l\u00e3i su\u1ea5t<\/strong><\/p>\n

Tuy nhi\u00ean, m\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho r\u1eb1ng l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u00f2n cao, t\u1ea1o ra nh\u1eefng g\u00e1nh n\u1eb7ng nh\u1ea5t \u0111\u1ecbnh cho ng\u01b0\u1eddi \u0111i vay. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI) cho r\u1eb1ng l\u00e3i su\u1ea5t cho vay \u0111\u00fang l\u00e0 kh\u00e1 cao so v\u1edbi th\u1ebf gi\u1edbi. H\u01a1n n\u1eefa, c\u00e1c m\u00f3n vay ti\u00eau d\u00f9ng th\u01b0\u1eddng nh\u1ecf l\u1ebb, chi ph\u00ed b\u1ecb \u0111\u1ed9i l\u00ean n\u00ean l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u01a1ng nhi\u00ean kh\u00f3 c\u00f3 th\u1ec3 th\u1ea5p. M\u1ee9c l\u00e3i su\u1ea5t l\u00e0 do th\u1ecfa thu\u1eadn gi\u1eefa hai b\u00ean cho vay v\u00e0 \u0111i vay. N\u1ebfu l\u00e3i su\u1ea5t cho vay qu\u00e1 cao th\u00ec c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) s\u1ebd kh\u00f3 thu h\u00fat \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

Y\u00eau c\u1ea7u \u0111\u1eb7t ra v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 cho vay ti\u00eau d\u00f9ng ph\u1ea3i minh b\u1ea1ch, h\u1ee3p \u0111\u1ed3ng r\u00f5 r\u00e0ng, ghi r\u00f5 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t, kh\u00f4ng g\u00e2y hi\u1ec3u l\u1ea7m cho ng\u01b0\u1eddi vay. Tr\u00ean th\u1ef1c t\u1ebf, n\u1ebfu c\u00e1c TCTD cho vay v\u1edbi l\u00e3i su\u1ea5t c\u00e0ng cao th\u00ec r\u1ee7i ro kh\u00f4ng \u0111\u00f2i \u0111\u01b0\u1ee3c n\u1ee3 s\u1ebd c\u00e0ng l\u1edbn.<\/em><\/p>\n

H\u01a1n n\u1eefa, c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd c\u1ea7n ch\u1eb7t ch\u1ebd, hi\u1ec7u qu\u1ea3 h\u01a1n \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3, \u0111\u1ec3 c\u00f3 th\u1ec3 nhanh ch\u00f3ng kh\u1eafc ph\u1ee5c r\u1ee7i ro, x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m nh\u1eb1m thu h\u1ed3i n\u1ee3.<\/em><\/p>\n

V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, \u0111\u1ea1i di\u1ec7n V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 cho r\u1eb1ng, vay ti\u00eau d\u00f9ng ch\u1ee7 y\u1ebfu l\u00e0 c\u00e1c m\u00f3n vay nh\u1ecf (ch\u1ec9 v\u00e0i tr\u0103m \u0111\u1ebfn v\u00e0i tri\u1ec7u \u0111\u1ed3ng), th\u1eddi h\u1ea1n vay r\u1ea5t ng\u1eafn (t\u1eeb v\u00e0i ng\u00e0y \u0111\u1ebfn v\u00e0i tu\u1ea7n) n\u00ean vi\u1ec7c tr\u1ea3 l\u00e3i v\u00e0i ch\u1ee5c ngh\u00ecn \u0111\u1ed3ng\/ng\u00e0y \u0111\u1ebfn v\u00e0i tr\u0103m ngh\u00ecn \u0111\u1ed3ng\/tu\u1ea7n c\u0169ng c\u00f3 th\u1ec3 ph\u1ea3n \u00e1nh th\u00e0nh m\u1ee9c l\u00e3i su\u1ea5t ni\u00eam y\u1ebft r\u1ea5t cao (v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m\/n\u0103m) so v\u1edbi l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng.<\/p>\n

Do \u0111\u00f3, theo b\u00e1o c\u00e1o c\u1ee7a c\u00e1c TCTD, \u0111\u1ebfn th\u00e1ng 9\/2015, l\u00e3i su\u1ea5t cho vay ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 20-35%\/n\u0103m, cao h\u01a1n l\u00e3i su\u1ea5t cho vay th\u00f4ng th\u01b0\u1eddng. Tuy nhi\u00ean, d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng ch\u1ec9 chi\u1ebfm t\u1ec9 tr\u1ecdng nh\u1ecf (kho\u1ea3ng 8,02%\/t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng).<\/p>\n

Tr\u01b0\u1edbc t\u00ecnh tr\u1ea1ng m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cho vay v\u1edbi l\u00e3i su\u1ea5t cao, NHNN \u0111\u00e3 l\u00e0m vi\u1ec7c, ch\u1ec9 \u0111\u1ea1o c\u00e1c c\u00f4ng ty n\u00e0y r\u00e0 so\u00e1t l\u1ea1i c\u00e1c kho\u1ea3n cho vay, ti\u1ebft ki\u1ec7m chi ph\u00ed, cam k\u1ebft c\u00f3 gi\u1ea3i ph\u00e1p qu\u1ea3n tr\u1ecb r\u1ee7i ro \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n t\u00edn d\u1ee5ng, gi\u1ea3m l\u00e3i su\u1ea5t cho vay \u1edf m\u1ee9c h\u1ee3p l\u00fd, h\u1ed7 tr\u1ee3 th\u00e1o g\u1ee1 kh\u00f3 kh\u0103n v\u1ec1 chi ph\u00ed cho kh\u00e1ch h\u00e0ng vay v\u1ed1n.<\/p>\n

Theo quy lu\u1eadt, khi kinh t\u1ebf ph\u00e1t tri\u1ec3n, ti\u00eau d\u00f9ng t\u0103ng th\u00ec ho\u1ea1t \u0111\u1ed9ng \u0111i vay \u0111\u1ec3 ph\u1ee5c v\u1ee5 ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u0169ng t\u0103ng, ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf chuy\u1ec3n d\u1ecbch t\u1eeb m\u00f4 h\u00ecnh t\u0103ng tr\u01b0\u1edfng d\u1ef1a v\u00e0o chi ti\u00eau ch\u00ednh ph\u1ee7 v\u00e0 \u0111\u1ea7u t\u01b0 sang d\u1ef1a v\u00e0o ti\u00eau d\u00f9ng t\u01b0 nh\u00e2n.<\/p>\n

Do \u0111\u00f3, theo \u00f4ng B\u00f9i Qu\u1ed1c D\u0169ng, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam s\u1ebd c\u00f2n ph\u00e1t tri\u1ec3n h\u01a1n n\u1eefa trong th\u1eddi gian t\u1edbi. V\u1edbi s\u1ed1 l\u01b0\u1ee3ng TCTD tham gia cho vay ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng t\u0103ng, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i c\u1ea1nh tranh m\u1ea1nh m\u1ebd \u0111\u1ec3 cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n, nhi\u1ec1u \u01b0u \u0111\u00e3i h\u01a1n, k\u1ebft n\u1ed1i kh\u00e9p k\u00edn chu tr\u00ecnh s\u1ea3n xu\u1ea5t, kinh doanh v\u00e0 ti\u00eau d\u00f9ng.<\/p>\n

Trong th\u1eddi gian t\u1edbi, vi\u1ec7c qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ea7n ph\u1ea3i theo h\u01b0\u1edbng b\u1ea3o \u0111\u1ea3m h\u00e0i h\u00f2a gi\u1eefa m\u1ee5c ti\u00eau th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng n\u00e0y ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c TCTD cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m cho vay ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, gi\u00fap ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin v\u1ec1 quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh khi vay.<\/p>\n

Ngo\u00e0i ra, c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng, b\u1ea3o \u0111\u1ea3m s\u1ef1 h\u00e0i h\u00f2a gi\u1eefa c\u00e1c ch\u1ee9c n\u0103ng b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 \u0111i\u1ec1u ti\u1ebft c\u00e1c TCTD theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf Vi\u1ec7t Nam.<\/p>\n

Khi h\u00e0nh lang ph\u00e1p l\u00fd v\u1ec1 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n, s\u1ebd c\u00f3 th\u00eam nhi\u1ec1u \u0111\u01a1n v\u1ecb tham gia cung \u1ee9ng d\u1ecbch v\u1ee5 n\u00e0y. S\u1ef1 c\u1ea1nh tranh l\u00e0nh m\u1ea1nh gi\u1eefa c\u00e1c c\u00f4ng ty th\u00f4ng qua vi\u1ec7c gia t\u0103ng quy\u1ec1n l\u1ee3i \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng s\u1ebd gi\u00e1n ti\u1ebfp khi\u1ebfn l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng \u201cd\u1ec5 th\u1edf\u201d h\u01a1n, gi\u00fap nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u1ea5t l\u01b0\u1ee3ng cao.<\/p>\n

Anh Minh<\/strong><\/p>\n

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B\u00e1o \u0111i\u1ec7n t\u1eed Ch\u00ednh ph\u1ee7 (Kinh t\u1ebf) 26-11-2015:<\/em><\/strong><\/p>\n

http:\/\/baochinhphu.vn\/Kinh-te\/Cho-vay-tieu-dung-phat-trien-se-day-lui-tin-dung-den\/242284.vgp<\/em><\/p>\n

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(CP) – Ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng, b\u1ea3o \u0111\u1ea3m ng\u01b0\u1eddi d\u00e2n c\u00f3 \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin v\u1ec1 quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 khi vay v\u1ed1n s\u1ebd gi\u00fap g\u00f3p ph\u1ea7n ng\u0103n ng\u1eeba t\u00ecnh tr\u1ea1ng \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Th\u1ef1c t\u1ebf, v\u1eeba qua c\u00f3 nhi\u1ec1u v\u1ee5 vi\u1ec7c x\u1ea3y ra \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00e2n, […]<\/p>\n","protected":false},"author":1,"featured_media":29333,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n834. 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