{"id":29872,"date":"2015-10-14T16:21:18","date_gmt":"2015-10-14T09:21:18","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29872"},"modified":"2022-06-24T16:22:54","modified_gmt":"2022-06-24T09:22:54","slug":"796-nan-giai-quan-ly-lai-suat-cho-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/796-nan-giai-quan-ly-lai-suat-cho-vay-tieu-dung\/","title":{"rendered":"796. Nan gi\u1ea3i qu\u1ea3n l\u00fd l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng"},"content":{"rendered":"(NB&CL) – V\u1edbi d\u00e2n s\u1ed1 tr\u00ean 90 tri\u1ec7u ng\u01b0\u1eddi, Vi\u1ec7t Nam l\u00e0 m\u1ed9t th\u1ecb tr\u01b0\u1eddng gi\u00e0u ti\u1ec1m n\u0103ng cho ph\u00e1t tri\u1ec3n v\u00e0 m\u1edf r\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. L\u1ee3i \u00edch, ti\u1ec1m n\u0103ng l\u00e0 r\u1ea5t l\u1edbn, nh\u01b0ng d\u01b0\u1eddng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 lu\u1eadt ph\u00e1p li\u00ean quan t\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1eabn c\u00f2n ch\u01b0a \u0111\u1ea7y \u0111\u1ee7, \u0111\u1eb7c bi\u1ec7t trong v\u1ea5n \u0111\u1ec1 l\u00e3i su\u1ea5t.\u00a0\u00a0<\/strong><\/p>\n

L\u00e3i su\u1ea5t cao c\u00f3 ph\u1ea1m lu\u1eadt ?<\/strong><\/p>\n

Hi\u1ec7n nay, t\u1ea1i c\u00e1c khu \u0111\u00f4 th\u1ecb t\u1ea1i Vi\u1ec7t Nam \u0111\u00e2u \u0111\u00e2u c\u0169ng th\u1ea5y c\u00e1c t\u1edd qu\u1ea3ng c\u00e1o cho vay ti\u00eau d\u00f9ng,\u00a0vay t\u00edn ch\u1ea5p\u00a0v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i, th\u1ee7 t\u1ee5c nhanh g\u1ecdn. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y,\u00a0cho vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n\u00a0\u0111ang ph\u00e1t tri\u1ec3n n\u1edf r\u1ed9 v\u00e0 \u0111\u01b0\u1ee3c v\u00ed nh\u01b0 chi\u1ebfc b\u00e1nh ng\u1ecdt m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng tranh nhau \u0111\u1ea9y m\u1ea1nh th\u1ecb ph\u1ea7n.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, hi\u1ec7n c\u00e1c lu\u1eadt quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t cho t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1eabn c\u00f2n \u0111ang \u201cr\u1ed1i b\u1eddi\u201d. Kho\u1ea3n 1 \u0110i\u1ec1u 476 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (BLDS) n\u0103m 2005 quy \u0111\u1ecbnh: \u201cL\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng\u201d.<\/p>\n

D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111ang s\u1eeda \u0111\u1ed5i ti\u1ebfp t\u1ee5c l\u1ea5y c\u01a1 s\u1edf \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t vay l\u00e0 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Kho\u1ea3n 3 \u0110i\u1ec1u 491 quy \u0111\u1ecbnh \u201cTr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 200% theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i vay t\u01b0\u01a1ng \u1ee9ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c\u201d.<\/p>\n

Nh\u01b0 v\u1eady, d\u00f9 c\u00f3 n\u00e2ng m\u1ee9c v\u01b0\u1ee3t 150% l\u00ean 200% th\u00ec quy \u0111\u1ecbnh n\u00e0y v\u1eabn c\u00f2n g\u00e2y nhi\u1ec1u tranh c\u00e3i. N\u1ebfu c\u1ee9 \u0111\u00fang theo lu\u1eadt \u00e1p d\u1ee5ng th\u00ec r\u1ea5t nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng b\u1ecb v\u00f4 hi\u1ec7u ph\u1ea7n l\u00e3i su\u1ea5t. L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (LSCB) \u00e1p d\u1ee5ng t\u1eeb ng\u00e0y 5.11.2010 \u0111\u1ebfn nay v\u1eabn l\u00e0 9%. \u0110\u00e3 c\u00f3 nh\u1eefng th\u1eddi \u0111i\u1ec3m l\u00e3i su\u1ea5t cho vay l\u00ean \u0111\u1ebfn 23-25%\/n\u0103m (v\u01b0\u1ee3t xa m\u1ed1c 150% so v\u1edbi LSCB). Nhi\u1ec1u chuy\u00ean gia cho r\u1eb1ng vi\u1ec7c \u00e1p d\u1ee5ng tr\u1ea7n l\u00e3i su\u1ea5t t\u1ea1i BLDS \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 kh\u00f4ng h\u1ee3p l\u00fd.<\/p>\n

N\u00f3i v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i ng\u00e2n h\u00e0ng cho bi\u1ebft: <\/em>\u201cC\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng h\u1ec1 vi ph\u1ea1m ph\u00e1p lu\u1eadt, th\u1eadm ch\u00ed h\u1ecd c\u00f2n \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch cho vay\u201d.<\/em><\/p>\n

\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft, kh\u00e1c v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 c\u00e1c th\u1ecfa thu\u1eadn d\u00e2n s\u1ef1 v\u00e0 kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n v\u1ec1 l\u00e3i su\u1ea5t. \u1ede \u0111\u00e2y, gi\u1eefa b\u00ean \u0111i vay v\u00e0 cho vay c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t ph\u00f9 h\u1ee3p. V\u00e0 n\u1ebfu hai b\u00ean \u0111\u00e3 \u0111\u1ed3ng \u00fd k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng r\u1ed3i th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m th\u1ef1c hi\u1ec7n theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n th\u1ecfa thu\u1eadn \u0111\u00e3 k\u00fd.<\/em><\/p>\n

\"\"<\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 gi\u00fap x\u00e3 h\u1ed9i h\u1ea1n ch\u1ebf n\u1ea1n t\u00edn d\u1ee5ng \u0111en \u0111ang ho\u00e0nh h\u00e0nh. (\u1ea2nh ngu\u1ed3n: Internet)<\/p>\n

H\u00e0nh lang ph\u00e1p l\u00fd ch\u01b0a r\u00f5 r\u00e0ng<\/strong><\/p>\n

S\u1ef1 m\u00e2u thu\u1eabn gi\u1eefa Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) v\u00e0 Lu\u1eadt D\u00e2n s\u1ef1 \u0111ang l\u00e0 m\u1ea5u ch\u1ed1t g\u00e2y nhi\u1ec1u tranh c\u00e3i cho b\u00ean \u0111i vay v\u00e0 cho vay. Theo kho\u1ea3n 2 \u0111i\u1ec1u 91 trong Lu\u1eadt c\u00e1c TCTD n\u0103m 2010, TCTD v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Tuy nhi\u00ean, theo \u0110i\u1ec1u 476 B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c cho vay qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u00e1p d\u1ee5ng l\u00e0 9%\/n\u0103m su\u1ed1t t\u1eeb 2010 t\u1edbi nay \u2013 ngh\u0129a l\u00e0 kh\u00f4ng cho vay qu\u00e1 13,5%\/n\u0103m).<\/p>\n

Th\u1ef1c t\u1ebf, \u0111\u00e3 c\u00f3 tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111i vay kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 v\u00e0 c\u1ea3m th\u1ea5y v\u00f4 l\u00fd khi ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, h\u1ecd \u0111\u00e3 \u0111\u00e2m \u0111\u01a1n khi\u1ebfu ki\u1ec7n c\u00e1c c\u00f4ng ty cho vay t\u00e0i ch\u00ednh c\u0103n c\u1ee9 tr\u00ean n\u1ec1n t\u1ea3ng l\u00e0 Lu\u1eadt D\u00e2n s\u1ef1 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t.<\/p>\n

\u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 nan gi\u1ea3i v\u00e0 b\u1ea5t c\u1eadp b\u1ea5y l\u00e2u nay gi\u1eefa ng\u01b0\u1eddi \u0111i vay \u2013 ng\u01b0\u1eddi cho vay v\u00e0 \u1edf gi\u1eefa l\u00e0 ph\u00e1p lu\u1eadt. \u201cC\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay, r\u1ee7i ro r\u00f5 r\u00e0ng cao h\u01a1n h\u1eb3n ng\u00e2n h\u00e0ng, do \u0111\u00f3 l\u00e3i su\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 \u0111\u00f2i h\u1ecfi th\u1ea5p h\u01a1n ho\u1eb7c th\u1eadm ch\u00ed b\u1eb1ng m\u1ee9c l\u00e3i su\u1ea5t c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng (13,5%\/n\u0103m)\u201d, \u00f4ng \u0110\u1ee9c b\u00e0y t\u1ecf quan \u0111i\u1ec3m.<\/p>\n

\u00d4ng \u0110\u1ee9c cho r\u1eb1ng, m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng hi\u1ec7n nay kho\u1ea3ng 30-50% l\u00e0 h\u1ee3p l\u00fd, kh\u00f4ng th\u1ec3 l\u00e0 13,5% v\u00e0 c\u0169ng kh\u00f3 c\u00f3 th\u1ec3 n\u00e2ng l\u00ean 18-20% nh\u01b0 d\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hi\u1ec7n nay, b\u1edfi n\u00f3 v\u1eabn qu\u00e1 xa v\u1eddi v\u1edbi th\u1ef1c t\u1ebf.<\/p>\n

Theo gi\u1edbi chuy\u00ean gia, m\u1eb7c d\u00f9 hi\u1ec7n nay v\u1eabn c\u00f2n t\u1ed3n t\u1ea1i nh\u1eefng b\u0103n kho\u0103n v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng, song \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng th\u1ec3 c\u1ea3n tr\u1edf s\u1ef1 ph\u00e1t tri\u1ec3n t\u1ea5t y\u1ebfu c\u1ee7a lo\u1ea1i h\u00ecnh s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh n\u00e0y, b\u1edfi l\u1ee3i \u00edch m\u00e0 n\u00f3 mang l\u1ea1i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u00e1 nh\u00e2n trong ti\u00eau d\u00f9ng tr\u01b0\u1edbc khi c\u00f3 thu nh\u1eadp. L\u1ee3i \u00edch n\u00e0y ch\u1eafc ch\u1eafn l\u1edbn h\u01a1n m\u1ee9c ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t ph\u1ea3i tr\u1ea3 cao h\u01a1n cho vay th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

N\u00ean \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh?<\/strong><\/p>\n

Theo c\u00e1c chuy\u00ean gia kinh t\u1ebf, vi\u1ec7c \u0111\u1ea9y m\u1ea1nh ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng kh\u00f4ng nh\u1eefng mang \u0111\u1ebfn c\u01a1 h\u1ed9i gi\u1ea3i quy\u1ebft nhu c\u1ea7u t\u00e0i ch\u00ednh cho m\u1ed9t b\u1ed9 ph\u1eadn kh\u00e1ch h\u00e0ng l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 thu nh\u1eadp th\u1ea5p, kh\u00f4ng c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng (\u0111\u00e2y l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n th\u01b0\u1eddng b\u1ecb t\u1eeb ch\u1ed1i b\u1edfi c\u00e1c Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i truy\u1ec1n th\u1ed1ng), m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n l\u00e0m gi\u1ea3m d\u1ea7n nh\u1eefng ho\u1ea1t \u0111\u1ed9ng vay m\u01b0\u1ee3n t\u1eeb \u201ct\u00edn d\u1ee5ng \u0111en\u201d v\u00e0 h\u1ea1n ch\u1ebf cho vay n\u1eb7ng l\u00e3i.<\/p>\n

Tuy nhi\u00ean, s\u1ef1 thi\u1ebfu h\u1ee5t v\u1ec1 h\u00e0nh lang ph\u00e1p l\u00fd \u0111i\u1ec1u ti\u1ebft \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng \u0111ang khi\u1ebfn cho th\u1ecb tr\u01b0\u1eddng n\u00e0y ch\u01b0a ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c h\u1ebft m\u1ee9c ti\u1ec1m n\u0103ng c\u1ee7a n\u00f3, v\u00e0 do v\u1eady, c\u0169ng ch\u01b0a ph\u00e1t huy \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 vai tr\u00f2 c\u1ee7a cho vay ti\u00eau d\u00f9ng trong vi\u1ec7c gia t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n, b\u1ed5 sung c\u00e1c ph\u00e2n ng\u00e1ch nh\u1ecf m\u00e0 c\u00e1c Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i ch\u01b0a v\u01b0\u01a1n t\u1edbi nh\u1eb1m ph\u00e1t tri\u1ec3n \u0111a d\u1ea1ng, phong ph\u00fa th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh.<\/p>\n

B\u00ecnh lu\u1eadn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho bi\u1ebft: \u201cTrong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, c\u00e0ng \u00edt r\u00e0o c\u1ea3n c\u00e0ng t\u1ed1t, n\u00ean \u0111\u1ec3 cho cung \u2013 c\u1ea7u v\u00e0 s\u1ef1 ph\u00e1n \u0111o\u00e1n c\u1ee7a th\u1ecb tr\u01b0\u1eddng trong t\u1eebng th\u1eddi \u0111i\u1ec3m quy\u1ebft \u0111\u1ecbnh\u201d.<\/p>\n

\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1ea5n m\u1ea1nh: \u201cTh\u1ef1c t\u1ebf khi ch\u01b0a c\u00f3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, \u00a030-40 n\u0103m nay, ng\u01b0\u1eddi d\u00e2n v\u1eabn ch\u1ea5p nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t \u201cc\u1eaft c\u1ed5\u201d tr\u00ean th\u1ecb tr\u01b0\u1eddng \u201cch\u1ee3 \u0111en\u201d do nh\u1eefng nhu c\u1ea7u th\u1ef1c s\u1ef1 ph\u00e1t sinh trong cu\u1ed9c s\u1ed1ng, h\u1ecd coi m\u1ee9c l\u00e3i su\u1ea5t v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m\/n\u0103m l\u00e0 chuy\u1ec7n b\u00ecnh th\u01b0\u1eddng. R\u00f5 r\u00e0ng, vi\u1ec7c xu\u1ea5t hi\u1ec7n c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 gi\u00fap x\u00e3 h\u1ed9i h\u1ea1n ch\u1ebf n\u1ea1n t\u00edn d\u1ee5ng \u0111en \u0111ang ho\u00e0nh h\u00e0nh, t\u1ea5t nhi\u00ean khi th\u1ecb tr\u01b0\u1eddng n\u00e0y ph\u00e1t tri\u1ec3n t\u1ea1o \u0111\u01b0\u1ee3c s\u1ef1 c\u1ea1nh tranh s\u00f2ng ph\u1eb3ng th\u00ec l\u00e3i su\u1ea5t s\u1ebd do th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh, \u0111\u00f3 ch\u00ednh l\u00e0 \u0111i\u1ec1u h\u1ee3p l\u00fd nh\u1ea5t m\u00e0 c\u1ea3 x\u00e3 h\u1ed9i c\u1ea7n quy\u1ebft t\u00e2m h\u01b0\u1edbng t\u1edbi\u201d.<\/p>\n

Thanh T\u00e2n (TH)<\/strong><\/p>\n

—————————————-<\/p>\n

Nh\u00e0 b\u00e0o & C\u00f4ng lu\u1eadn (Kinh t\u1ebf) 14-10-2015:<\/em><\/strong><\/p>\n

http:\/\/congluan.vn\/nan-giai-quan-li-lai-suat-cho-vay-tieu-dung\/<\/em><\/p>\n

(142\/1.339)","protected":false},"excerpt":{"rendered":"

(NB&CL) – V\u1edbi d\u00e2n s\u1ed1 tr\u00ean 90 tri\u1ec7u ng\u01b0\u1eddi, Vi\u1ec7t Nam l\u00e0 m\u1ed9t th\u1ecb tr\u01b0\u1eddng gi\u00e0u ti\u1ec1m n\u0103ng cho ph\u00e1t tri\u1ec3n v\u00e0 m\u1edf r\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. L\u1ee3i \u00edch, ti\u1ec1m n\u0103ng l\u00e0 r\u1ea5t l\u1edbn, nh\u01b0ng d\u01b0\u1eddng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 lu\u1eadt ph\u00e1p li\u00ean quan t\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1eabn c\u00f2n […]<\/p>\n","protected":false},"author":3,"featured_media":29873,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n796. 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