{"id":29851,"date":"2015-09-30T16:09:11","date_gmt":"2015-09-30T09:09:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29851"},"modified":"2022-06-24T16:10:48","modified_gmt":"2022-06-24T09:10:48","slug":"789-du-thao-luat-hinh-su-ve-toi-pham-ngan-hang-chua-du-suc-ran-de","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/789-du-thao-luat-hinh-su-ve-toi-pham-ngan-hang-chua-du-suc-ran-de\/","title":{"rendered":"789. D\u1ef1 th\u1ea3o Lu\u1eadt H\u00ecnh s\u1ef1 v\u1ec1 t\u1ed9i ph\u1ea1m ng\u00e2n h\u00e0ng ch\u01b0a \u0111\u1ee7 s\u1ee9c r\u0103n \u0111e"},"content":{"rendered":"(CAND) – \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng g\u00f3p \u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) v\u00e0o d\u1ef1 th\u1ea3o B\u1ed9 Lu\u1eadt H\u00ecnh s\u1ef1 (BLHS) s\u1ebd \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i b\u1ea5m n\u00fat th\u00f4ng qua v\u00e0o th\u00e1ng 10 n\u00e0y.<\/strong><\/p>\n

N\u00ean b\u1ecf t\u1ed9i \u201ccho vay n\u1eb7ng l\u00e3i\u201d?<\/strong><\/p>\n

Theo Lu\u1eadt s\u01b0 (LS) Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf NH, c\u00f3 \u0111\u1ebfn h\u01a1n 70% t\u1ed9i ph\u1ea1m kinh t\u1ebf li\u00ean quan \u0111\u1ebfn NH. V\u1edbi t\u1ed9i \u201cT\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u1ec1 qu\u1ea3n l\u00fd kinh t\u1ebf g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng\u201d (\u0110i\u1ec1u 165 BLHS 1999), r\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean NH b\u1ecb kh\u1edfi t\u1ed1 nh\u01b0ng 3 ng\u00e0y sau, NH \u0111\u00e3 thu h\u1ed3i \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n, kh\u00f4ng c\u00f2n h\u1eadu qu\u1ea3 nh\u01b0ng v\u1eabn c\u00f3 t\u1ed9i, v\u1eabn b\u1ecb \u0111\u01b0a ra x\u00e9t x\u1eed.<\/em><\/p>\n

Theo LS \u0110\u1ee9c, khi \u0111\u00e3 kh\u1eafc ph\u1ee5c h\u1eadu qu\u1ea3 c\u1ea7n ph\u1ea3i lo\u1ea1i b\u1ecf, mi\u1ec5n h\u00ecnh ph\u1ea1t \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vi ph\u1ea1m. V\u00ec v\u1eady, LS \u0110\u1ee9c b\u00e0y t\u1ecf s\u1ef1 hoan ngh\u00eanh tinh th\u1ea7n \u0111\u1ed5i m\u1edbi c\u1ee7a D\u1ef1 th\u1ea3o, trong \u0111\u00f3 b\u1ecf nhi\u1ec1u t\u1ed9i danh kh\u00f4ng c\u00f2n ph\u00f9 h\u1ee3p.<\/em><\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd, trong ph\u1ea7n g\u00f3p \u00fd c\u1ee7a m\u00ecnh, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng kh\u00f4ng n\u00ean duy tr\u00ec t\u1ed9i \u201ccho vay n\u1eb7ng l\u00e3i\u201d trong BLHS m\u1edbi. \u00d4ng \u0110\u1ee9c ph\u00e2n t\u00edch: l\u00e3i su\u1ea5t cho vay l\u00e0 m\u1ed9t lo\u1ea1i gi\u00e1 c\u1ea3 h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c t\u1ef1 do kinh doanh v\u00e0 do th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh. L\u00e3i su\u1ea5t cao hay th\u1ea5p l\u00e0 do hai b\u00ean th\u1ecfa thu\u1eadn t\u1ef1 nguy\u1ec7n, thu\u1eadn mua, v\u1eeba b\u00e1n. V\u00ec v\u1eady, kh\u00f4ng c\u00f3 l\u00fd do g\u00ec \u0111\u1ec3 duy tr\u00ec t\u1ed9i ph\u1ea1m n\u00e0y trong BLHS. Ch\u1ec9 khi n\u00e0o cho vay tr\u00e1i lu\u1eadt, c\u00f9ng v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 l\u1eeba \u0111\u1ea3o, gian d\u1ed1i, c\u01b0\u1ee1ng b\u1ee9c, \u00e9p bu\u1ed9c, b\u00f3c l\u1ed9t\u2026 th\u00ec m\u1edbi c\u1ea7n thi\u1ebft x\u1eed t\u1ed9i. Ngo\u00e0i ra, c\u0169ng n\u00ean b\u1ecf t\u1ed9i \u0111\u1ea7u c\u01a1, c\u00f2n t\u1ed9i l\u1eadp qu\u1ef9 tr\u00e1i ph\u00e9p ch\u1ec9 n\u00ean \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc\u2026<\/em><\/p>\n

T\u1eeb ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd, \u0111\u1ea1i di\u1ec7n NHNN d\u1eabn quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 210 trong D\u1ef1 th\u1ea3o BLHS: \u201cNg\u01b0\u1eddi n\u00e0o trong ho\u1ea1t \u0111\u1ed9ng NH m\u00e0 c\u1ed1 \u00fd th\u1ef1c hi\u1ec7n m\u1ed9t trong c\u00e1c h\u00e0nh vi sau \u0111\u00e2y g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng, th\u00ec b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 50.000.000 \u0111\u1ed3ng \u0111\u1ebfn 500.000.000 \u0111\u1ed3ng ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 03 n\u0103m \u0111\u1ebfn 07 n\u0103m\u201d.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
NHNN cho r\u1eb1ng, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a trong l\u0129nh v\u1ef1c NH l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng thu h\u1ed3i v\u1ed1n, t\u00e0i s\u1ea3n cho Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

G\u00f3p \u00fd v\u1ec1 quy \u0111\u1ecbnh n\u00e0y, NHNN \u0111\u1ec1 ngh\u1ecb ph\u1ea3i quy \u0111\u1ecbnh r\u00f5 \u201ch\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng\u201d \u1edf m\u1ee9c ph\u00f9 h\u1ee3p, \u0111\u1ea3m b\u1ea3o ranh gi\u1edbi r\u00f5 r\u00e0ng gi\u1eefa ch\u1ebf t\u00e0i x\u1eed l\u00fd h\u00e0nh ch\u00ednh v\u00e0 h\u00ecnh s\u1ef1 \u0111\u1ed1i v\u1edbi c\u00f9ng m\u1ed9t h\u00e0nh vi vi ph\u1ea1m. \u0110\u00e1ng ch\u00fa \u00fd, c\u01a1 quan n\u00e0y cho r\u1eb1ng m\u1ee9c ph\u1ea1t ti\u1ec1n t\u1eeb 50-500 tri\u1ec7u \u0111\u1ed3ng tho\u1ea1t nh\u00ecn c\u00f3 v\u1ebb \u201cto\u201d, nh\u01b0ng \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 b\u0103ng, th\u00ec con s\u1ed1 n\u00e0y v\u1eabn nh\u1ecf. B\u1edfi v\u1eady, NHNN \u0111\u1ec1 ngh\u1ecb n\u00e2ng cao m\u1ee9c x\u1eed ph\u1ea1t l\u00ean \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh r\u0103n \u0111e. \u201cM\u1ee9c ph\u1ea1t ti\u1ec1n t\u1ed1i thi\u1ec3u trong h\u00ecnh s\u1ef1 ph\u1ea3i cao h\u01a1n m\u1ee9c ph\u1ea1t ti\u1ec1n trong x\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh\u201d, NHNN nh\u1ea5n m\u1ea1nh.<\/p>\n

C\u00f2n b\u00e0 Tr\u1ea7n H\u1ed3ng H\u1ea1nh, T\u1ed5ng Th\u01b0 k\u00fd VNBA cho r\u1eb1ng khung h\u00ecnh ph\u1ea1t ti\u1ec1n t\u1eeb 50 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn 500 tri\u1ec7u \u0111\u1ed3ng, ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 1 n\u0103m \u0111\u1ebfn 7 n\u0103m l\u00e0 kho\u1ea3ng c\u00e1ch kh\u00e1 xa, d\u1ec5 d\u1eabn \u0111\u1ebfn r\u1ee7i ro, tham nh\u0169ng.<\/p>\n

Nguy c\u01a1 h\u00ecnh s\u1ef1 h\u00f3a l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng<\/strong><\/p>\n

T\u1ea1i b\u00e1o c\u00e1o gi\u1ea3i tr\u00ecnh ch\u1ea5t v\u1ea5n t\u1ea1i phi\u00ean h\u1ecdp th\u1ee9 31 c\u1ee7a \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i th\u00e1ng 9\/2014, Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n V\u0103n B\u00ecnh cho bi\u1ebft: \u201cTheo NHNN, khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 d\u00e2n s\u1ef1, kinh t\u1ebf, \u0111\u1ea7u t\u01b0, t\u00e0i ch\u00ednh, NH c\u00f2n ch\u01b0a r\u00f5 r\u00e0ng, \u0111\u1ed3ng b\u1ed9; c\u01a1 ch\u1ebf th\u1ef1c thi ph\u00e1p lu\u1eadt c\u00f3 n\u01a1i, c\u00f3 l\u00fac ch\u01b0a b\u1ea3o \u0111\u1ea3m nghi\u00eam minh, c\u00f4ng b\u1eb1ng, \u0111\u1eb7c bi\u1ec7t ch\u01b0a b\u1ea3o v\u1ec7 quy\u1ec1n c\u1ee7a ch\u1ee7 n\u1ee3.<\/p>\n

Tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c x\u1eed l\u00fd t\u00e0i s\u1ea3n, t\u1ed1 t\u1ee5ng v\u00e0 thi h\u00e0nh \u00e1n ph\u1ee9c t\u1ea1p, k\u00e9o d\u00e0i g\u00e2y t\u1ed1n k\u00e9m th\u1eddi gian v\u00e0 chi ph\u00ed. \u0110\u1eb7c bi\u1ec7t, NHNN cho r\u1eb1ng, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a trong l\u0129nh v\u1ef1c NH l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng thu h\u1ed3i v\u1ed1n, t\u00e0i s\u1ea3n cho Nh\u00e0 n\u01b0\u1edbc v\u00e0 nh\u00e2n d\u00e2n, \u0111\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 l\u00e0m gia t\u0103ng chi ph\u00ed c\u01a1 c\u1ea5u l\u1ea1i. Ph\u01b0\u01a1ng ch\u00e2m c\u1ee7a NH l\u00e0 kh\u00f4ng h\u00ecnh s\u1ef1 h\u00f3a c\u00e1c quan h\u1ec7 d\u00e2n s\u1ef1. Qua thanh tra, ki\u1ec3m tra ch\u00fang t\u00f4i mu\u1ed1n ph\u00e1t hi\u1ec7n sai ph\u1ea1m v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c b\u00ean kh\u1eafc ph\u1ee5c. \u0110\u1ebfn khi kh\u00f4ng kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c th\u00ec s\u1ebd x\u1eed l\u00fd theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, k\u1ec3 c\u1ea3 l\u00e0 bi\u1ec7n ph\u00e1p h\u00ecnh s\u1ef1\u201d<\/p>\n

V\u1ea5n \u0111\u1ec1 n\u00e0y m\u1ed9t l\u1ea7n n\u1eefa \u0111\u01b0\u1ee3c b\u00e0 Nguy\u1ec5n Th\u1ecb H\u01b0\u01a1ng, V\u1ee5 Ph\u00e1p ch\u1ebf (NHNN) \u0111\u01b0a ra t\u1ea1i H\u1ed9i th\u1ea3o g\u00f3p \u00fd. B\u00e0 H\u01b0\u01a1ng cho r\u1eb1ng c\u1ea7n b\u1ecf \u0111i\u1ec3m e Kho\u1ea3n 1- \u0110i\u1ec1u 210 v\u1ec1 \u201cH\u00e0nh vi kh\u00e1c vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt trong ho\u1ea1t \u0111\u1ed9ng NH\u201d.<\/p>\n

Hi\u1ec7n nay, D\u1ef1 th\u1ea3o BLHS \u0111\u00e3 kh\u00f4ng quy \u0111\u1ecbnh v\u1ec1 t\u1ed9i ph\u1ea1m: T\u1ed9i c\u1ed1 \u00fd l\u00e0m tr\u00e1i quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u1ec1 qu\u1ea3n l\u00fd kinh t\u1ebf g\u00e2y h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng, do s\u1ef1 kh\u00f4ng r\u00f5 r\u00e0ng, nhi\u1ec1u b\u1ea5t c\u1eadp c\u1ee7a c\u00e1ch x\u00e1c \u0111\u1ecbnh t\u1ed9i ph\u1ea1m. V\u1edbi c\u00e1c c\u1ea5u th\u00e0nh t\u1ed9i ph\u1ea1m kh\u00f4ng r\u00f5 r\u00e0ng, chung chung nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m e kho\u1ea3n 1 \u0110i\u1ec1u 210 d\u1ef1 th\u1ea3o BLHS s\u1ebd d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 d\u00e2n s\u1ef1, kinh t\u1ebf; d\u1ec5 \u201ch\u00ecnh s\u1ef1 h\u00f3a\u201d c\u1ea3 nh\u1eefng h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt trong ho\u1ea1t \u0111\u1ed9ng NH, nh\u01b0ng m\u1ee9c \u0111\u1ed9 nghi\u00eam tr\u1ecdng kh\u00f4ng cao, kh\u00f4ng \u0111\u1ebfn m\u1ee9c x\u1eed l\u00fd h\u00ecnh s\u1ef1.<\/p>\n

Vi\u1ec7c quy \u0111\u1ecbnh chung chung nh\u01b0 v\u1eady s\u1ebd t\u1ea1o ra \u201ckho\u1ea3ng tr\u1ed1ng\u201d ph\u00e1p lu\u1eadt trong qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tra, truy t\u1ed1, x\u00e9t x\u1eed, khi\u1ebfn c\u00e1n b\u1ed9 NH c\u00f3 th\u1ec3 b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 ngay c\u1ea3 sai ph\u1ea1m nh\u1ecf. Vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a c\u00e1c quan h\u1ec7 n\u00e0y s\u1ebd \u0111\u1ec3 l\u1ea1i c\u00e1c h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng \u0111\u1ed1i v\u1edbi kh\u00f4ng ch\u1ec9 c\u00e1 nh\u00e2n ng\u01b0\u1eddi b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 m\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ea3 n\u1ec1n kinh t\u1ebf v\u00e0 \u0111\u1eddi s\u1ed1ng x\u00e3 h\u1ed9i c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc.<\/p>\n

\u201cTh\u1ee9 nh\u1ea5t, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 cho vay khi\u1ebfn c\u00e1c c\u00e1n b\u1ed9 NH e ng\u1ea1i khi m\u1edf r\u1ed9ng cho vay, m\u1ed9t m\u1eb7t h\u1ea1n ch\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, m\u1eb7t kh\u00e1c khi\u1ebfn ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p kh\u00f3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n NH. Th\u1ee9 hai, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng c\u0169ng l\u00e0 m\u1ed9t trong c\u00e1c nguy\u00ean nh\u00e2n c\u1ea3n tr\u1edf vi\u1ec7c x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00ec c\u00e1n b\u1ed9 NH lo ng\u1ea1i tr\u01b0\u1edbc nguy c\u01a1 b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1. Th\u1ee9 ba, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng n\u00f3i ri\u00eang v\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1 n\u00f3i chung s\u1ebd x\u00e2m h\u1ea1i tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ec1n, l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi c\u00f3 h\u00e0nh vi b\u1ecb h\u00ecnh s\u1ef1 h\u00f3a. Th\u1ee9 t\u01b0, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng n\u00f3i ri\u00eang v\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1 n\u00f3i chung s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng x\u1ea5u \u0111\u1ebfn m\u00f4i tr\u01b0\u1eddng \u0111\u1ea7u t\u01b0, kinh doanh. Th\u1ee9 n\u0103m, vi\u1ec7c h\u00ecnh s\u1ef1 h\u00f3a quan h\u1ec7 t\u00edn d\u1ee5ng n\u00f3i ri\u00eang v\u00e0 quan h\u1ec7 d\u00e2n s\u1ef1 n\u00f3i chung s\u1ebd l\u00e0m gi\u1ea3m l\u00f2ng tin c\u1ee7a nh\u00e2n d\u00e2n v\u00e0o Nh\u00e0 n\u01b0\u1edbc v\u00e0 ph\u00e1p lu\u1eadt b\u1edfi, th\u1ef1c ch\u1ea5t \u201ch\u00ecnh s\u1ef1 ho\u00e1\u201d l\u00e0 vi\u1ec7c l\u00e0m oan, sai ng\u01b0\u1eddi v\u00f4 t\u1ed9i. \u0110i\u1ec1u n\u00e0y s\u1ebd d\u1eabn \u0111\u1ebfn nh\u1eefng b\u1ea5t \u1ed5n trong \u0111\u1eddi s\u1ed1ng ch\u00ednh tr\u1ecb, x\u00e3 h\u1ed9i\u201d, b\u00e0 H\u01b0\u01a1ng ph\u00e2n t\u00edch.<\/p>\n

L\u1ec7 Th\u00fay<\/strong><\/p>\n

———————————–<\/p>\n

C\u00f4ng an Nh\u00e2n d\u00e2n (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 30-9-2015:<\/em><\/strong><\/p>\n

http:\/\/cand.com.vn\/tai-chinh-ngan-hang\/du-thao-Luat-Hinh-su-ve-toi-pham-ngan-hang-chua-du-suc-ran-de-367414\/<\/em><\/p>\n

(274\/1.271)","protected":false},"excerpt":{"rendered":"

(CAND) – \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng g\u00f3p \u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) v\u00e0o d\u1ef1 th\u1ea3o B\u1ed9 Lu\u1eadt H\u00ecnh s\u1ef1 (BLHS) s\u1ebd \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i b\u1ea5m n\u00fat th\u00f4ng qua v\u00e0o th\u00e1ng 10 n\u00e0y. N\u00ean b\u1ecf t\u1ed9i \u201ccho vay n\u1eb7ng l\u00e3i\u201d? Theo Lu\u1eadt s\u01b0 (LS) Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m CLB Ph\u00e1p ch\u1ebf NH, […]<\/p>\n","protected":false},"author":3,"featured_media":29852,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29851","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n789. 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