{"id":31775,"date":"2010-06-24T10:14:44","date_gmt":"2010-06-24T03:14:44","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=31775"},"modified":"2022-07-05T10:18:07","modified_gmt":"2022-07-05T03:18:07","slug":"115-ngan-hang-tang-von-dieu-le-lieu-hieu-qua-co-tang-theo","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/115-ngan-hang-tang-von-dieu-le-lieu-hieu-qua-co-tang-theo\/","title":{"rendered":"115. Ng\u00e2n h\u00e0ng t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7: Li\u1ec7u hi\u1ec7u qu\u1ea3 c\u00f3 t\u0103ng theo?"},"content":{"rendered":"<strong>(BD) &#8211; Hi\u1ec7n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng (NH) \u0111ang r\u1ed1i tr\u01b0\u1edbc th\u1eddi h\u1ea1n th\u00e1ng 12 n\u00e0y ph\u1ea3i b\u1ea3o \u0111\u1ea3m m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 l\u00e0 3.000 t\u1ef7 \u0111\u1ed3ng theo \u0111\u1ecbnh h\u01b0\u1edbng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN). N\u0103m 2012 l\u00e0 5.000 t\u1ef7 \u0111\u1ed3ng. \u0110\u1ebfn n\u0103m 2015 m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 n\u00e2ng l\u00ean l\u00e0 10.000 t\u1ef7 \u0111\u1ed3ng.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-31778 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/13.jpg\" alt=\"\" width=\"300\" height=\"205\" \/><\/p>\n<p><strong>T\u0103ng v\u1ed1n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n!<\/strong><\/p>\n<p>\u00d4ng Thomas Tobin, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng HSBC Vi\u1ec7t Nam, cho r\u1eb1ng c\u00e2u h\u1ecfi t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 c\u00f3 l\u00e0m t\u0103ng ch\u1ea5t l\u01b0\u1ee3ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NH kh\u00f4ng l\u00e0 c\u00e2u h\u1ecfi ph\u1ee9c t\u1ea1p m\u00e0 nhi\u1ec1u NH tr\u00ean th\u1ebf gi\u1edbi v\u1eabn \u0111ang \u0111i t\u00ecm c\u00e2u tr\u1ea3 l\u1eddi. NH c\u1ea7n \u0111\u1ee7 v\u1ed1n \u0111\u1ec3 c\u00f3 th\u1ec3 linh ho\u1ea1t tr\u01b0\u1edbc s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng. V\u1ed1n l\u1edbn l\u00e0 c\u1ea7n thi\u1ebft khi th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u1ed5n nh\u01b0ng n\u00f3 n\u00ean t\u01b0\u01a1ng \u1ee9ng v\u1edbi quy m\u00f4 ho\u1ea1t \u0111\u1ed9ng v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a t\u1eebng NH. \u201cM\u1ed9t m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1ed1i thi\u1ec3u l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho NH m\u1edbi th\u00e0nh l\u1eadp c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng v\u00e0 ho\u1ea1t \u0111\u1ed9ng an to\u00e0n. Nh\u01b0ng sau \u0111\u00f3, m\u1ee9c v\u1ed1n n\u00e0y n\u00ean ph\u00f9 h\u1ee3p v\u1edbi quy m\u00f4 c\u1ee7a t\u1eebng NH\u201d, \u00f4ng n\u00f3i.<\/p>\n<p>\u00d4ng Tobin n\u00f3i nh\u00f3m Banking Work Group do \u00f4ng l\u00e0m ch\u1ee7 t\u1ecbch \u0111\u1ed3ng \u00fd r\u1eb1ng c\u1ea7n ph\u1ea3i c\u00f3 quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c v\u1ed1n t\u1ed1i thi\u1ec3u \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u1ecb tr\u01b0\u1eddng v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a NH. \u201cTuy nhi\u00ean m\u1ee9c v\u1ed1n t\u1ed1i thi\u1ec3u v\u00e0 th\u1eddi gian \u0111\u1ec3 \u0111\u00e1p \u1ee9ng m\u1ee9c v\u1ed1n \u0111\u00f3 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c suy x\u00e9t th\u1eadt k\u1ef9. Ch\u00fang t\u00f4i ngh\u0129 m\u1ee9c \u0111\u1ec1 xu\u1ea5t g\u1ea7n \u0111\u00e2y nh\u1ea5t l\u00e0 5.000 t\u1ef7 \u0111\u1ed3ng cho n\u0103m 2012 v\u00e0 10.000 t\u1ef7 \u0111\u1ed3ng cho n\u0103m 2015 l\u00e0 qu\u00e1 nhi\u1ec1u v\u00e0 qu\u00e1 nhanh\u201d, \u00f4ng nh\u1eadn x\u00e9t. <strong><em>Nhi\u1ec1u chuy\u00ean gia t\u00e0i ch\u00ednh v\u00ed von vi\u1ec7c NHNN bu\u1ed9c c\u00e1c NH ph\u1ea3i t\u0103ng m\u1ea1nh v\u1ed1n \u0111i\u1ec1u l\u1ec7 trong th\u1eddi gian ng\u1eafn gi\u1ed1ng nh\u01b0 vi\u1ec7c bu\u1ed9c thuy\u1ec1n nh\u1ecf \u0111ang \u0111\u00e1nh b\u1eaft g\u1ea7n b\u1edd ph\u1ea3i nhanh ch\u00f3ng n\u00e2ng c\u1ea5p l\u00ean thuy\u1ec1n to \u0111\u1ec3 \u0111\u1ea9y ra bi\u1ec3n l\u1edbn. Li\u1ec7u nh\u01b0 v\u1eady c\u00f3 an to\u00e0n h\u01a1n? V\u1ec1 l\u00fd thuy\u1ebft, ai c\u0169ng r\u00f5 r\u1eb1ng t\u0103ng v\u1ed1n kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c t\u0103ng ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n c\u00f3; ph\u00e2n lo\u1ea1i n\u1ee3 ch\u00ednh x\u00e1c v\u00e0 gi\u1ea3m t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u; t\u0103ng ch\u1ea5t l\u01b0\u1ee3ng qu\u1ea3n tr\u1ecb, \u0111i\u1ec1u h\u00e0nh; t\u0103ng hi\u1ec7u su\u1ea5t l\u1ee3i nhu\u1eadn. Ng\u01b0\u1ee3c l\u1ea1i, d\u00f9 v\u1ed1n th\u1ea5p, nh\u01b0ng qu\u1ea3n l\u00fd t\u1ed1t, th\u00ec c\u0169ng v\u1eabn b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3.\u00a0 <\/em><\/strong><\/p>\n<p><strong><em>Kh\u00f4ng d\u1ec5 t\u0103ng v\u1ed1n!<\/em><\/strong><\/p>\n<p><em>G\u1ea7n \u0111\u00e2y, NHNN \u0111\u00e3 cho ph\u00e9p m\u1ed9t s\u1ed1 NH c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7 1.000 t\u1ef7 \u0111\u1ed3ng \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft tr\u00ean s\u00e0n ch\u1ee9ng kho\u00e1n \u0111\u1ec3 t\u0103ng c\u01a1 h\u1ed9i huy \u0111\u1ed9ng \u0111\u1ee7 v\u1ed1n \u0111i\u1ec1u l\u1ec7. V\u1edbi vi\u1ec7c tr\u1ed3i s\u1ee5t ch\u1ec9 s\u1ed1 Index, cho th\u1ea5y kh\u00f4ng c\u00f3 g\u00ec b\u1ea3o \u0111\u1ea3m r\u1eb1ng NH l\u00ean s\u00e0n s\u1ebd l\u1eadp t\u1ee9c ki\u1ebfm \u0111\u01b0\u1ee3c g\u1ea5p ba l\u1ea7n s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 hi\u1ec7n h\u1eefu. Nh\u01b0 v\u1eady, li\u1ec7u c\u00f3 ph\u1ea3i \u0111\u00e3 cho ph\u00e9p c\u00e1c NH \u0111\u1eb7t c\u01b0\u1ee3c v\u1edbi th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n t\u1eadp trung? V\u00e0 h\u1eadu qu\u1ea3 gi\u1ea3i th\u1ec3, s\u00e1p nh\u1eadp x\u1ea3y ra trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y ch\u1eafc ch\u1eafn l\u00e0 x\u1ea5u h\u01a1n khi ch\u01b0a cho ni\u00eam y\u1ebft.<\/em><\/p>\n<p><em>Trong t\u00ecnh h\u00ecnh hi\u1ec7n nay, n\u1ebfu kh\u00f4ng th\u1eadt s\u1ef1 c\u1ed1 g\u1eafng, nhi\u1ec1u NH s\u1ebd kh\u00f4ng theo k\u1ecbp m\u1ee9c t\u0103ng v\u1ed1n n\u00e0y, v\u00ec \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m m\u1ee9c sinh l\u1eddi h\u1ee3p l\u00fd th\u00ec NH ph\u1ea3i t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn \u0111\u1ed3ng th\u1eddi m\u1edf r\u1ed9ng quy m\u00f4 ho\u1ea1t \u0111\u1ed9ng t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7. C\u00f3 th\u1ef1c t\u1ebf l\u00e0 m\u1ed9t khi c\u00e1c NH t\u0103ng m\u1ea1nh v\u1ed1n huy \u0111\u1ed9ng th\u00ec bu\u1ed9c h\u1ecd c\u0169ng ph\u1ea3i t\u0103ng m\u1ea1nh vi\u1ec7c cho vay \u0111\u1ec3 khi\u1ebfn s\u1ed1 v\u1ed1n v\u1eeba huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c \u0111em l\u1ea1i m\u1ee9c l\u1ee3i nhu\u1eadn h\u1ea5p d\u1eabn \u0111\u1ed1i v\u1edbi nh\u1eefng c\u1ed5 \u0111\u00f4ng \u0111\u00e3 b\u1ecf ti\u1ec1n \u0111\u1ea7u t\u01b0. Tuy nhi\u00ean t\u00ecnh h\u00ecnh hi\u1ec7n nay \u0111\u00e2u d\u1ec5 \u0111\u1ea9y nhanh v\u1ed1n huy \u0111\u1ed9ng v\u00e0 c\u00f3 th\u1ec3 ph\u00e1t sinh nhi\u1ec1u ti\u00eau c\u1ef1c khi c\u00e1c NH ch\u01b0a \u0111\u1ea1t chu\u1ea9n t\u00ecm c\u00e1ch t\u0103ng nhanh v\u1ed1n huy \u0111\u1ed9ng c\u1ee7a m\u00ecnh. Th\u00eam v\u00e0o \u0111\u00f3, v\u1edbi m\u1ee9c v\u1ed1n huy \u0111\u1ed9ng nh\u01b0 hi\u1ec7n t\u1ea1i, c\u00e1c NH c\u00f2n s\u1eed d\u1ee5ng ch\u01b0a h\u1ebft, t\u0103ng n\u1eefa th\u00ec bi\u1ebft \u0111\u1ec3 l\u00e0m g\u00ec, v\u00e0 l\u1ea5y l\u00e3i \u0111\u00e2u ra \u0111\u1ec3 tr\u1ea3 c\u1ed5 t\u1ee9c cho c\u1ed5 \u0111\u00f4ng. <\/em><\/p>\n<p><em>Cho \u0111\u1ebfn cu\u1ed1i n\u0103m 2001, m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi NH TMCP n\u00f4ng th\u00f4n ch\u1ec9 l\u00e0 5 t\u1ef7 \u0111\u1ed3ng, NH TMCP \u0111\u00f4 th\u1ecb l\u00e0 50 &#8211; 70 t\u1ef7 \u0111\u1ed3ng theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 82\/1998\/N\u0110-CP ng\u00e0y 3-10-1998. \u0110\u1ebfn cu\u1ed1i n\u0103m 2008, m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi c\u00e1c NH TMCP (TMCP &#8211; kh\u00f4ng c\u00f2n ph\u00e2n th\u00e0nh hai lo\u1ea1i n\u00f4ng th\u00f4n v\u00e0 \u0111\u00f4 th\u1ecb) l\u00e0 1.000 t\u1ef7 \u0111\u1ed3ng v\u00e0 cu\u1ed1i n\u0103m 2010 l\u00e0 3.000 t\u1ef7 \u0111\u1ed3ng theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 141\/2006\/N\u0110-CP ng\u00e0y 22-11-2006. \u201cNh\u01b0 v\u1eady l\u00e0 ch\u1ec9 trong v\u00f2ng 9 n\u0103m, c\u00e1c NH ph\u1ea3i t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 \u0111\u1ed9t bi\u1ebfn l\u00ean g\u1ea5p t\u1eeb 50 &#8211; 600 l\u1ea7n. \u0110\u00e2y l\u00e0 m\u1ed9t g\u00e1nh n\u1eb7ng qu\u00e1 s\u1ee9c t\u01b0\u1edfng t\u01b0\u1ee3ng \u0111\u1ed1i v\u1edbi ph\u1ea7n l\u1edbn c\u00e1c NH. \u0110\u00f3 c\u00f2n l\u00e0 m\u1ed9t s\u1ef1 ng\u01b0\u1ee3c \u0111\u1eddi n\u1ebfu x\u00e9t tr\u00ean kh\u00eda c\u1ea1nh hi\u1ec7u qu\u1ea3 \u0111\u1ea7u t\u01b0 v\u1ed1n: y\u00eau c\u1ea7u t\u0103ng v\u1ed1n l\u00ean \u0111\u1ebfn 70 &#8211; 80%\/n\u0103m, cao g\u1ea5p \u0111\u00f4i t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n c\u1ee7a ng\u00e0nh NH, ch\u1ec9 kho\u1ea3ng d\u01b0\u1edbi 30%\/n\u0103m trong 9 n\u0103m qua\u201d, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c Ph\u00e1p ch\u1ebf BAOVIET BANK, nh\u1eadn x\u00e9t.<\/em><\/p>\n<p><em>Theo LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, trong l\u00fac nhi\u1ec1u NH \u0111ang kh\u00f3 nh\u1ecdc b\u01b0\u1edbc t\u1edbi c\u00e1i m\u1ed1c 3.000 t\u1ef7 \u0111\u1ed3ng, th\u00ec Th\u1ed1ng \u0111\u1ed1c NHNN l\u1ea1i c\u1ea3nh b\u00e1o, s\u1ebd t\u0103ng v\u1ed1n ph\u00e1p \u0111\u1ecbnh l\u00ean 5.000 t\u1ef7 \u0111\u1ed3ng v\u00e0o n\u0103m 2012 v\u00e0 10.000 t\u1ef7 \u0111\u1ed3ng v\u00e0o n\u0103m 2015. \u201cD\u01b0\u1eddng nh\u01b0 ch\u00ednh s\u00e1ch l\u00e0 nh\u1eb1m lo\u1ea1i tr\u1eeb c\u00e1c NH t\u1ed1p d\u01b0\u1edbi, \u0111\u1ec3 t\u1ea1o ra to\u00e0n NH kh\u1ed5ng l\u1ed3 (so v\u1edbi n\u1ec1n kinh t\u1ebf trong n\u01b0\u1edbc) ch\u1ee9 kh\u00f4ng ph\u1ea3i v\u1edbi m\u1ee5c ti\u00eau l\u00e0 nh\u1eb1m n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 an to\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c NH nh\u01b0 v\u1eabn \u0111ang tuy\u00ean b\u1ed1. Y\u00eau c\u1ea7u t\u0103ng v\u1ed1n qu\u00e1 nhanh \u0111\u1ed3ng ngh\u0129a v\u1edbi s\u1ee9c \u00e9p m\u1edf r\u1ed9ng quy m\u00f4, t\u0103ng nhanh d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng, t\u0103ng tr\u01b0\u1edfng n\u00f3ng. \u0110i\u1ec1u n\u00e0y \u0111\u00e3, \u0111ang v\u00e0 s\u1ebd t\u1ea5t y\u1ebfu d\u1eabn \u0111\u1ebfn r\u1ee7i ro ph\u00e1t tri\u1ec3n n\u00f3ng, l\u00e0 m\u1ed9t trong nh\u1eefng r\u1ee7i ro nguy hi\u1ec3m nh\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng NH\u201d, LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u1ea3nh b\u00e1o.Th\u1ecb tr\u01b0\u1eddng ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ee9c v\u1ed1n ph\u00e1p \u0111\u1ecbnh t\u1ea1o ra NH l\u1edbn. M\u1eb7t kh\u00e1c, c\u1ea7n c\u00f3 \u0111\u1ee7 lo\u1ea1i NH l\u1edbn, v\u1eeba v\u00e0 nh\u1ecf, ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ea1i \u0111a s\u1ed1 kh\u00e1ch h\u00e0ng tr\u00ean th\u1ecb tr\u01b0\u1eddng l\u00e0 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba. M\u1ed9t NH c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7 1.000 t\u1ef7 \u0111\u1ed3ng, theo quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c ph\u00e9p cho vay m\u1ed7i doanh nghi\u1ec7p t\u1edbi 150 t\u1ef7 \u0111\u1ed3ng. S\u1ed1 ti\u1ec1n \u0111\u00f3 \u0111\u00e3 l\u1edbn g\u1ea5p r\u01b0\u1ee1i t\u1ed5ng ngu\u1ed3n v\u1ed1n c\u1ee7a m\u1ed9t doanh nghi\u1ec7p \u0111\u01b0\u1ee3c x\u1ebfp v\u00e0o lo\u1ea1i l\u1edbn theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7. V\u1eady li\u1ec7u c\u00f3 c\u1ea7n thi\u1ebft \u00e9p bu\u1ed9c t\u1ea5t c\u1ea3 c\u00e1c NH ph\u1ea3i tr\u1edf th\u00e0nh nh\u1eefng doanh nghi\u1ec7p si\u00eau l\u1edbn? L\u00e0 NH nh\u1ecf, th\u00ec c\u00e0ng d\u1ec5 h\u1ee3p nh\u1ea5t, s\u00e1p nh\u1eadp, gi\u1ea3i th\u1ec3. N\u1ebfu b\u1ecb ph\u00e1 s\u1ea3n, th\u00ec NH c\u00e0ng nh\u1ecf c\u00e0ng \u00edt g\u00e2y nguy hi\u1ec3m cho h\u1ec7 th\u1ed1ng. \u0110\u00f3 l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean b\u00e0n c\u00e2n c\u1ee7a nh\u1eefng nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch hi\u1ec7n nay.<\/em><\/p>\n<p><strong>TH\u1ea2O VY<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><a href=\"http:\/\/baobinhduong.org.vn\/newspreview.aspx?newsid=11934\">24-6-2010: http:\/\/baobinhduong.org.vn\/newspreview.aspx?newsid=11934<\/a><\/p>\n<p>&nbsp;","protected":false},"excerpt":{"rendered":"<p>(BD) &#8211; Hi\u1ec7n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng (NH) \u0111ang r\u1ed1i tr\u01b0\u1edbc th\u1eddi h\u1ea1n th\u00e1ng 12 n\u00e0y ph\u1ea3i b\u1ea3o \u0111\u1ea3m m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 l\u00e0 3.000 t\u1ef7 \u0111\u1ed3ng theo \u0111\u1ecbnh h\u01b0\u1edbng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN). N\u0103m 2012 l\u00e0 5.000 t\u1ef7 \u0111\u1ed3ng. \u0110\u1ebfn n\u0103m 2015 m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 n\u00e2ng l\u00ean l\u00e0 10.000 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":31778,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-31775","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>115. 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N\u0103m 2012 l\u00e0 5.000 t\u1ef7 \u0111\u1ed3ng. \u0110\u1ebfn n\u0103m 2015 m\u1ee9c v\u1ed1n \u0111i\u1ec1u l\u1ec7 n\u00e2ng l\u00ean l\u00e0 10.000 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/115-ngan-hang-tang-von-dieu-le-lieu-hieu-qua-co-tang-theo\/\" \/>\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=\"2010-06-24T03:14:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-05T03:18:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/13.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"300\" \/>\n\t<meta property=\"og:image:height\" content=\"205\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\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=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/115-ngan-hang-tang-von-dieu-le-lieu-hieu-qua-co-tang-theo\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/115-ngan-hang-tang-von-dieu-le-lieu-hieu-qua-co-tang-theo\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"115. 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