{"id":29747,"date":"2015-09-09T14:03:57","date_gmt":"2015-09-09T07:03:57","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29747"},"modified":"2022-06-24T21:42:05","modified_gmt":"2022-06-24T14:42:05","slug":"763-tin-dung-den-vi-sao-bung-phat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/763-tin-dung-den-vi-sao-bung-phat\/","title":{"rendered":"763. \u201cT\u00edn d\u1ee5ng \u0111en\u201d: V\u00ec sao b\u00f9ng ph\u00e1t?"},"content":{"rendered":"(NB&CL) \u2013 \u00a0Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, quy m\u00f4 c\u00e1c v\u1ee5 \u00e1n v\u1ec1 t\u00edn d\u1ee5ng \u0111en, t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng l\u1edbn. T\u00ednh ch\u1ea5t c\u00e1c v\u1ee5 \u00e1n v\u1ec1 t\u00edn d\u1ee5ng \u0111en, t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng ph\u1ee9c t\u1ea1p. Theo th\u1ed1ng k\u00ea c\u1ee7a T\u1ed5ng C\u1ee5c c\u1ea3nh s\u00e1t Ph\u00f2ng ch\u1ed1ng T\u1ed9i ph\u1ea1m (B\u1ed9 C\u00f4ng an), t\u1eeb n\u0103m 2010 \u0111\u1ebfn nay, c\u1ea3 n\u01b0\u1edbc c\u00f3 h\u01a1n 4.900 v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn t\u1ed9i ph\u1ea1m \u201ct\u00edn d\u1ee5ng \u0111en\u201d. V\u1eady \u201d T\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 g\u00ec ? T\u1ea1i sao v\u1eabn t\u1ed3n t\u1ea1i v\u00e0 s\u1ed1ng kh\u1ecfe ?<\/strong><\/p>\n

T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng: T\u1eeb x\u00e2m ph\u1ea1m s\u1ebd ti\u1ebfn \u0111\u1ebfn x\u00e2m h\u1ea1i<\/p>\n

\"\"<\/p>\n

T\u00edn d\u1ee5ng \u0111en \u0111ang b\u00f9ng ph\u00e1t b\u1edfi nh\u1eefng \u201cl\u1ee3i th\u1ebf ri\u00eang\u201d c\u1ee7a lo\u1ea1i h\u00ecnh n\u00e0y.<\/p>\n

\u201cT\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 g\u00ec ?<\/strong><\/p>\n

Trong t\u1eeb \u0111i\u1ec3n Ti\u1ebfng Vi\u1ec7t kh\u00f4ng \u0111\u1ecbnh ngh\u0129a v\u1ec1 t\u00edn d\u1ee5ng \u0111en, song c\u00f3 th\u1ec3 hi\u1ec3u t\u00edn d\u1ee5ng \u0111en l\u00e0 d\u1ea1ng huy \u0111\u1ed9ng v\u00e0 cho vay t\u00edn d\u1ee5ng kh\u00f4ng th\u00f4ng qua h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng, kh\u00f4ng \u0111\u0103ng k\u00fd kinh doanh c\u0169ng nh\u01b0 ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p v\u00e0 ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd ch\u00ednh th\u1ee9c b\u1edfi b\u1ea5t c\u1ee9 c\u01a1 quan qu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc n\u00e0o.<\/p>\n

T\u00edn d\u1ee5ng \u0111en c\u00f3 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay cao, th\u1ee7 t\u1ee5c th\u1ef1c hi\u1ec7n \u0111\u01a1n gi\u1ea3n so v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng. Trong b\u1ed1i c\u1ea3nh n\u1ec1n kinh t\u1ebf b\u01b0\u1edbc v\u00e0o giai \u0111o\u1ea1n suy tho\u00e1i, h\u1ec7 th\u1ed1ng c\u00e1c Ng\u00e2n h\u00e0ng thi\u1ebfu tin t\u01b0\u1edfng trong v\u1ea5n \u0111\u1ec1 cho vay ti\u1ec1n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00e2n v\u1edbi t\u00e2m l\u00fd lo ng\u1ea1i s\u1ef1 gia t\u0103ng n\u1ee3 x\u1ea5u, th\u1eadm ch\u00ed l\u00e0 m\u1ea5t v\u1ed1n, c\u00f9ng v\u1edbi c\u00e1c th\u1ee7 t\u1ee5c, \u0111i\u1ec1u ki\u1ec7n kh\u1eaft khe d\u1eabn \u0111\u1ebfn kh\u00f4ng \u00edt ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 t\u00ecm \u0111\u1ebfn \u201ct\u00edn d\u1ee5ng \u0111en\u201d thay v\u00ec t\u00ecm \u0111\u1ebfn Ng\u00e2n h\u00e0ng.<\/p>\n

V\u00ec sao \u201ct\u00edn d\u1ee5ng \u0111en\u201d s\u1ed1ng kh\u1ecfe ?<\/strong><\/p>\n

Th\u1ee7 t\u1ee5c cho vay \u0111\u01a1n gi\u1ea3n, ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o l\u00f2ng tin, th\u1eadm ch\u00ed kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, \u0111\u1eb7c bi\u1ec7t kh\u00f4ng b\u1ecb r\u00e0ng bu\u1ed9c b\u1edfi th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd, Ch\u00ednh t\u1eeb s\u1ef1 kh\u00f4ng r\u00e0ng bu\u1ed9c v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd n\u00e0y m\u00e0 quy tr\u00ecnh kinh doanh c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c \u201ct\u00edn d\u1ee5ng \u0111en\u201d tr\u1edf n\u00ean \u0111\u01a1n gi\u1ea3n khi xem x\u00e9t \u201cc\u1ea5p ph\u00e9p\u201d cho vay, \u201chuy \u0111\u1ed9ng v\u1ed1n vay\u201d khi kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u. S\u1ef1 \u0111\u01a1n gi\u1ea3n n\u00e0y \u0111\u00e3 \u0111\u1ea9y cao kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c vay v\u1ed1n v\u00e0 l\u00e0m\u00a0th\u1eddi gian\u00a0\u201cnh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n\u201d c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng s\u1ebd v\u00ec th\u1ebf m\u00e0\u00a0r\u00fat g\u1ecdn h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u00e2n ch\u00ednh.<\/p>\n

Ng\u01b0\u1eddi ngh\u00e8o, ng\u01b0\u1edbi c\u00f3 thu nh\u1eadp th\u1ea5p, ng\u01b0\u1eddi kh\u00f4ng ti\u1ebfp x\u00fac nhi\u1ec1u v\u1edbi h\u1ec7 th\u1ed1ng h\u00e0nh ch\u00ednh Nh\u00e0 n\u01b0\u1edbc th\u1eadm ch\u00ed doanh nghi\u1ec7p g\u1eb7p kh\u00f3 kh\u0103n c\u1ea7n ngu\u1ed3n v\u1ed1n \u0111\u1ec3 tho\u00e1t kh\u00f3 ngay l\u1eadp t\u1ee9c \u0111\u1ec1u l\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111en. N\u1ebfu nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y \u0111\u1ebfn g\u1eb7p c\u00e1c c\u01a1 quan t\u00edn d\u1ee5ng Nh\u00e0 n\u01b0\u1edbc th\u00ec c\u00f3 l\u1ebd h\u1ecd s\u1ebd ph\u1ea3i ti\u1ebfn h\u00e0nh m\u1ed9t lo\u1ea1t th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh \u201c\u0111\u1ed3 s\u1ed9\u201d t\u1eeb ch\u00ednh minh thu nh\u1eadp \u0111\u1ebfn ch\u1ee9ng minh kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3 v\u1ed1n vay, k\u00ea khai t\u00e0i s\u1ea3n hi\u1ec7n th\u1eddi, t\u00e0i s\u1ea3n c\u00f3 th\u1ec3 mang ra th\u1ebf ch\u1ea5p\u2026 Trong khi c\u00e1i h\u1ecd c\u1ea7n l\u00e0 s\u1ef1\u00a0nhanh ch\u00f3ng v\u00e0 kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c vay v\u1ed1n cao \u0111\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c kh\u00f3 kh\u0103n tr\u01b0\u1edbc m\u1eaft.\u00a0Nh\u00ecn nh\u1eadn t\u1eeb \u0111i\u1ec1u n\u00e0y, d\u1ec5 hi\u1ec3u v\u00ec sao t\u00edn d\u1ee5ng \u0111en l\u1ea1i ph\u00e1t tri\u1ec3n nhanh v\u00e0 \u201cchi\u1ec1u l\u00f2ng\u201d \u0111\u01b0\u1ee3c h\u1ea7u h\u1ebft m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u1ebfn nh\u01b0 v\u1eady. H\u00ecnh th\u1ee9c \u201cvay n\u00f3ng\u201d hay s\u1ef1 b\u00f9ng ph\u00e1t c\u1ee7a c\u00e1c g\u00f3i vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c qu\u1ea3ng c\u00e1o kh\u1eafp n\u01a1i hi\u1ec7n nay l\u00e0 minh ch\u1ee9ng kh\u00e1 r\u00f5 r\u00e0ng.<\/p>\n

Nh\u1eefng t\u1edd r\u01a1i qu\u1ea3ng c\u00e1o nh\u01b0 th\u1ebf n\u00e0y\u2026.\u2026 \u0111\u00e3 kh\u00f4ng c\u00f2n l\u00e0 h\u00ecnh \u1ea3nh l\u1ea1 l\u1eabm g\u00ec tr\u00ean c\u00e1c tuy\u1ebfn ph\u1ed1 c\u1ee7a H\u00e0 N\u1ed9i<\/p>\n

Nh\u01b0 v\u1eady, s\u1ee9c h\u00fat t\u1eeb s\u1ef1 \u2018linh \u0111\u1ed9ng\u201d trong vi\u1ec7c cho vay c\u1ee7a t\u00edn d\u1ee5ng \u0111en l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn. Ch\u1ec9 c\u1ea7n c\u00f3 nhu c\u1ea7u, b\u1ea5t k\u1ef3 ai c\u0169ng c\u00f3 th\u1ec3 \u201ck\u1ebft n\u1ed1i\u201d v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y b\u1eb1ng m\u1ed9t cu\u1ed9c g\u1ecdi.\u00a0D\u00f9 l\u00e3i su\u1ea5t ph\u1ea3i tr\u1ea3 th\u01b0\u1eddng l\u1edbn \u0111\u1ed3ng th\u1eddi ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro v\u1ec1 t\u00e0i ch\u00ednh, t\u00ednh m\u1ea1ng nh\u01b0ng kh\u00e1ch h\u00e0ng\u00a0v\u1eabn quy\u1ebft \u0111\u1ecbnh \u201ch\u1ee3p t\u00e1c\u201d b\u1edfi l\u1ee3i \u00edch nhanh ch\u00f3ng m\u00e0 h\u1ecd nh\u1eadn \u0111\u01b0\u1ee3c. \u0110\u1eb7c bi\u1ec7t, t\u00edn d\u1ee5ng \u0111en c\u00f2n c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh \u201cphao c\u1ee9u sinh\u201d trong l\u00fac nguy c\u1ea5p.<\/p>\n

\u0110\u00e2u l\u00e0 nguy\u00ean nh\u00e2n ?<\/strong><\/h5>\n

T\u1ea1i h\u1ed9i th\u1ea3o \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u1eeba \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c m\u1edbi \u0111\u00e2y t\u1ea1i H\u00e0 N\u1ed9i,\u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho hay\u00a0\u201cTrong nh\u1eefng n\u0103m qua, m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u nghe nhi\u1ec1u, n\u00f3i nhi\u1ec1u, vi\u1ebft nhi\u1ec1u v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d nh\u01b0ng v\u1ec1 ph\u00e1p l\u00fd th\u00ec kh\u00f4ng d\u1ec5 g\u00ec kh\u1eb3ng \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 \u201ct\u00edn d\u1ee5ng \u0111en\u201d, v\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh hay gi\u1ea3i th\u00edch c\u1ee7a ph\u00e1p lu\u1eadt\u201d.<\/em><\/p>\n

Ph\u1ea3i ch\u0103ng \u0111\u00e2y l\u00e0 nguy\u00ean nh\u00e2n t\u1ea1o ra k\u1ebd h\u1edf ph\u00e1p lu\u1eadt \u0111\u1ec3 t\u00edn d\u1ee5ng \u0111en b\u00f9ng ph\u00e1t ?\u00a0\u0110\u00e3 c\u00f3 r\u1ea5t nhi\u1ec1u t\u1edd b\u00e1o \u0111\u01b0a tin v\u1ec1 th\u1ef1c tr\u1ea1ng t\u00edn d\u1ee5ng n\u00e0y nh\u01b0: trang b\u00e1o Vneconomy thu\u1ed9c Th\u1eddi b\u00e1o kinh t\u1ebf c\u00f3\u00a0b\u00e0i vi\u1ebft\u00a0\u201cT\u00edn d\u1ee5ng \u0111en s\u1ed1ng kho\u1ebb nh\u1edd \u0111\u1ee9ng ngo\u00e0i lu\u1eadt\u201d; t\u1edd T\u00e0i ch\u00ednh \u0111i\u1ec7n t\u1eed c\u00f3 \u0111\u0103ng\u00a0\u201cLu\u1eadt thi\u1ebfu minh b\u1ea1ch, t\u00edn d\u1ee5ng \u0111en b\u00f9ng ph\u00e1t; t\u1edd Th\u1eddi b\u00e1o T\u00e0i ch\u00ednh th\u00ec c\u00f3\u00a0b\u00e0i vi\u1ebft \u201cB\u1eaby t\u00edn d\u1ee5ng \u0111en: Ng\u01b0\u1eddi vay thi\u1ebfu hi\u1ec3u bi\u1ebft, ng\u00e2n h\u00e0ng thi\u1ebfu tr\u00e1ch nhi\u1ec7m\u201d\u2026 H\u1ea7u h\u1ebft t\u1ea5t c\u1ea3 c\u00e1c b\u00e0i vi\u1ebft \u0111\u1ec1u th\u1ec3 hi\u1ec7n r\u1eb1ng, h\u1ec7 th\u1ed1ng lu\u1eadt ph\u00e1p v\u1ec1 t\u00edn d\u1ee5ng c\u1ee7a n\u01b0\u1edbc ta hi\u1ec7n nay c\u00f2n l\u1ecfng l\u1ebbo, thi\u1ebfu minh b\u1ea1ch, thi\u1ebfu r\u00f5 r\u00e0ng n\u00ean c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111en c\u1ee9 \u201cv\u00f4 t\u01b0\u201d\u00a0ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

Nh\u01b0ng c\u00f3 l\u1ebd c\u1ea7n ph\u1ea3i suy ngh\u0129 l\u1ea1i v\u1ea5n \u0111\u1ec1 n\u00e0y b\u1edfi m\u1ed9t khi coi \u0111\u00e2y l\u00e0 h\u00ecnh th\u1ee9c \u201ct\u00edn d\u1ee5ng \u0111en\u201d th\u00ec v\u1ed1n d\u0129 \u0111\u00e3 xem h\u00ecnh th\u1ee9c n\u00e0y \u201cn\u1eb1m ngo\u00e0i\u201d s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a lu\u1eadt ph\u00e1p. V\u00e0 khi \u0111\u00e3 \u2018n\u1eb1m ngo\u00e0i\u201d v\u00f2ng ph\u00e1p l\u00fd, t\u00edn d\u1ee5ng \u0111en s\u1ebd kh\u00f4ng ch\u1ecbu b\u1ea5t k\u1ef3 s\u1ef1 r\u00e0ng bu\u1ed9c v\u00e0o v\u1ec1 ch\u00ednh s\u00e1ch, v\u1ec1 lu\u1eadt ph\u00e1p t\u1eeb lu\u1eadt cho vay t\u00edn d\u1ee5ng \u0111\u1ebfn lu\u1eadt kinh t\u1ebf\u2026 n\u00ean \u0111\u01b0\u01a1ng nhi\u00ean, d\u00f9 lu\u1eadt ph\u00e1p c\u00f3 minh b\u1ea1ch, c\u00f3 k\u00edn k\u1ebd, c\u00f3 t\u1ed5ng qu\u00e1t \u0111\u1ebfn \u0111\u00e2u th\u00ec v\u1eabn kh\u00f4ng th\u1ec3 \u201c\u0111\u1ed9ng\u201d \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c\u00a0n\u00e0y. Nh\u00e0 n\u01b0\u1edbc c\u00f3 mu\u1ed1n x\u1eed l\u00fd c\u0169ng ch\u1eb3ng th\u1ec3 x\u1eed l\u00fd n\u1ed5i b\u1edfi kh\u00f4ng h\u1ec1\u00a0c\u00f3 b\u1ea5t k\u1ef3 gi\u1ea5y t\u1edd li\u00ean quan n\u00e0o c\u00f3 th\u1ec3 \u0111em ra l\u00e0m \u201cv\u1eadt ch\u1ee9ng minh\u201d.<\/p>\n

Gi\u1ea3i ph\u00e1p n\u00e0o cho v\u1ea5n \u0111\u1ec1 n\u00e0y, t\u1ea1i\u00a0h\u1ed9i th\u1ea3o \u201cGi\u1ea3i c\u1ee9u ng\u01b0\u1eddi ngh\u00e8o kh\u1ecfi b\u1eaby \u201ct\u00edn d\u1ee5ng \u0111en\u201d c\u00e1c chuy\u00ean gia cho r\u1eb1ng c\u00f5 l\u1ebd kh\u00f4ng ph\u1ea3i l\u00e0 \u201cgia c\u1ed1\u201d th\u00eam cho h\u1ec7 th\u1ed1ng lu\u1eadt ph\u00e1p hi\u1ec7n h\u00e0nh m\u00e0\u00a0ch\u00ednh l\u00e0 \u0111\u01b0a ng\u01b0\u1eddi d\u00e2n \u0111\u1ebfn g\u1ea7n h\u01a1n v\u1edbi t\u00edn d\u1ee5ng ch\u00e2n ch\u00ednh b\u1eb1ng c\u00e1ch \u0111\u01a1n gi\u1ea3n h\u00f3a h\u1ec7 th\u1ed1ng h\u00e0nh ch\u00ednh, m\u1edf th\u00eam c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c vay v\u1ed1n v\u00e0 h\u01b0\u1edbng t\u00edn d\u1ee5ng \u0111\u1ebfn v\u1edbi nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng, nhi\u1ec1u t\u1ea7ng l\u1edbp d\u00e2n ch\u00fang h\u01a1n.<\/p>\n

C\u00e1c chuy\u00ean gia c\u0169ng khuy\u1ebfn c\u00e1o ng\u01b0\u1eddi d\u00e2n c\u1ea7n n\u00e2ng cao nh\u1eadn th\u1ee9c, t\u00ecm hi\u1ec3u k\u1ef9 l\u01b0\u1ee1ng c\u00e1c th\u00f4ng tin li\u00ean quan khi \u0111\u1eb7t b\u00fat k\u00fd b\u1ea5t c\u1ee9 h\u1ee3p \u0111\u1ed3ng vay m\u01b0\u1ee3n n\u00e0o<\/p>\n

\u201cT\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 c\u1ee5m t\u1eeb d\u00f9ng \u0111\u1ec3 ch\u1ec9 c\u00e1c d\u1ea1ng huy \u0111\u1ed9ng v\u00e0 cho vay t\u00edn d\u1ee5ng kh\u00f4ng qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, kh\u00f4ng \u0111\u0103ng k\u00fd kinh doanh, c\u0169ng nh\u01b0 ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p v\u00e0 ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd ch\u00ednh th\u1ee9c b\u1edfi b\u1ea5t c\u1ee9 c\u01a1 quan qu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc h\u1eefu quan n\u00e0o.\u00a0\u0110\u1eb7c tr\u01b0ng c\u01a1 b\u1ea3n c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 giao d\u1ecbch ng\u1ea7m, n\u1ed9i b\u1ed9, kh\u00f4ng \u1ed3n \u00e0o, c\u00f3 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay cao, trong khi th\u1ee7 t\u1ee5c th\u1ef1c hi\u1ec7n th\u00ec \u0111\u01a1n gi\u1ea3n h\u01a1n so v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng ch\u00ednh th\u1ee9c \u0111\u01b0\u01a1ng th\u1eddi.\u00a0T\u00edn d\u1ee5ng \u0111en c\u00f3 h\u00ecnh th\u1ee9c kh\u00e1 \u0111a d\u1ea1ng v\u00e0 t\u1ed3n t\u1ea1i t\u1eeb l\u00e2u \u1edf Vi\u1ec7t Nam c\u0169ng nh\u01b0 \u1edf nhi\u1ec1u qu\u1ed1c gia kh\u00e1c trong khu v\u1ef1c v\u00e0 tr\u00ean th\u1ebf gi\u1edbi.<\/strong><\/p>\n

Qu\u1ef3nh Li\u00ean<\/strong><\/p>\n

—————————————<\/p>\n

Nh\u00e0 b\u00e0o & C\u00f4ng lu\u1eadn (B\u1ea1n \u0111\u1ecdc) 09-9-2015:<\/em><\/strong><\/p>\n

http:\/\/congluan.vn\/tin-dung-den-vi-sao-bung-phat\/<\/em><\/p>\n

(72\/1.345)","protected":false},"excerpt":{"rendered":"

(NB&CL) \u2013 \u00a0Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, quy m\u00f4 c\u00e1c v\u1ee5 \u00e1n v\u1ec1 t\u00edn d\u1ee5ng \u0111en, t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng l\u1edbn. T\u00ednh ch\u1ea5t c\u00e1c v\u1ee5 \u00e1n v\u1ec1 t\u00edn d\u1ee5ng \u0111en, t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng ph\u1ee9c t\u1ea1p. Theo th\u1ed1ng k\u00ea c\u1ee7a T\u1ed5ng C\u1ee5c c\u1ea3nh s\u00e1t Ph\u00f2ng ch\u1ed1ng T\u1ed9i ph\u1ea1m (B\u1ed9 C\u00f4ng an), t\u1eeb […]<\/p>\n","protected":false},"author":3,"featured_media":29748,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n763. \u201cT\u00edn d\u1ee5ng \u0111en\u201d: V\u00ec sao b\u00f9ng ph\u00e1t? - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/763-tin-dung-den-vi-sao-bung-phat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]763. \u201cT\u00edn d\u1ee5ng \u0111en\u201d: V\u00ec sao b\u00f9ng ph\u00e1t?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(NB&CL) \u2013 \u00a0Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, quy m\u00f4 c\u00e1c v\u1ee5 \u00e1n v\u1ec1 t\u00edn d\u1ee5ng \u0111en, t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng l\u1edbn. 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Theo th\u1ed1ng k\u00ea c\u1ee7a T\u1ed5ng C\u1ee5c c\u1ea3nh s\u00e1t Ph\u00f2ng ch\u1ed1ng T\u1ed9i ph\u1ea1m (B\u1ed9 C\u00f4ng an), t\u1eeb […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/763-tin-dung-den-vi-sao-bung-phat\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2015-09-09T07:03:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-24T14:42:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/763.png\" \/>\n\t<meta property=\"og:image:width\" content=\"360\" \/>\n\t<meta property=\"og:image:height\" content=\"336\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/763-tin-dung-den-vi-sao-bung-phat\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/763-tin-dung-den-vi-sao-bung-phat\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"763. \u201cT\u00edn d\u1ee5ng \u0111en\u201d: V\u00ec sao b\u00f9ng ph\u00e1t?\",\"datePublished\":\"2015-09-09T07:03:57+00:00\",\"dateModified\":\"2022-06-24T14:42:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/763-tin-dung-den-vi-sao-bung-phat\\\/\"},\"wordCount\":2112,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/763-tin-dung-den-vi-sao-bung-phat\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/763.png\",\"articleSection\":[\"Tr\u00edch d\u1eabn\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/763-tin-dung-den-vi-sao-bung-phat\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/763-tin-dung-den-vi-sao-bung-phat\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/763-tin-dung-den-vi-sao-bung-phat\\\/\",\"name\":\"[:vi]763. \u201cT\u00edn d\u1ee5ng \u0111en\u201d: V\u00ec sao b\u00f9ng ph\u00e1t?[:] - 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