{"id":35904,"date":"2023-02-23T13:08:40","date_gmt":"2023-02-23T06:08:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=35904"},"modified":"2024-12-03T15:15:39","modified_gmt":"2024-12-03T08:15:39","slug":"3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/","title":{"rendered":"3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m<\/span><\/h4>\n<h5>(TN) &#8211; V\u00ec sao nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u00ecm m\u1ecdi c\u00e1ch d\u1ee5 d\u1ed7, \u00e9p u\u1ed5ng, th\u1eadm ch\u00ed thi\u1ebfu trung th\u1ef1c \u0111\u1ec3 kh\u00e1ch t\u1edbi g\u1eedi, vay ti\u1ec1n ph\u1ea3i\u00a0mua b\u1ea3o hi\u1ec3m? Con s\u1ed1 l\u1ee3i nhu\u1eadn h\u00e0ng ng\u00e0n t\u1ec9 \u0111\u1ed3ng trong b\u1ee9c tranh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00fd gi\u1ea3i \u0111i\u1ec1u n\u00e0y.<\/h5>\n<h5><strong>L\u1ee3i nhu\u1eadn t\u1eeb b\u1ea3o hi\u1ec3m nhi\u1ec1u h\u01a1n t\u00edn d\u1ee5ng<\/strong><\/h5>\n<p>N\u0103m 2022, h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng (NH) b\u00e1o l\u00e3i cao v\u00e0 trong \u0111\u00f3 m\u1ed9t ph\u1ea7n l\u1edbn \u0111\u1ebfn t\u1eeb d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m (BH). Ch\u1eb3ng h\u1ea1n, Ng\u00e2n h\u00e0ng TMCP Qu\u00e2n \u0110\u1ed9i (MB) c\u00f3 l\u00e3i tr\u01b0\u1edbc thu\u1ebf l\u00e0 18.155 t\u1ec9 \u0111\u1ed3ng, t\u0103ng h\u01a1n 37% so v\u1edbi n\u0103m 2021. Ri\u00eang doanh thu t\u1eeb kinh doanh v\u00e0 d\u1ecbch v\u1ee5 BH \u0111\u1ea1t 10.185 t\u1ec9 \u0111\u1ed3ng, cao h\u01a1n g\u1ea7n 1.800 t\u1ec9 \u0111\u1ed3ng so v\u1edbi s\u1ed1 thu 8.386 t\u1ec9 \u0111\u1ed3ng c\u1ee7a n\u0103m 2021. Nh\u01b0 v\u1eady, ch\u1ec9 sau 2 n\u0103m doanh thu t\u1eeb BH t\u1ea1i MB \u0111\u00e3 t\u0103ng g\u1ea5p \u0111\u00f4i. C\u1ee5 th\u1ec3 n\u0103m 2019, NH n\u00e0y thu t\u1eeb d\u1ecbch v\u1ee5 BH m\u1edbi \u0111\u1ea1t 4.202 t\u1ec9 \u0111\u1ed3ng, \u0111\u1ebfn 2020 l\u00e0 5.849 t\u1ec9 \u0111\u1ed3ng. Ngu\u1ed3n thu t\u1eeb BH hi\u1ec7n chi\u1ebfm t\u1edbi 71,5% doanh thu t\u1eeb m\u1ea3ng d\u1ecbch v\u1ee5 chung c\u1ee7a MB trong khi n\u0103m 2021 t\u1ef7 l\u1ec7 n\u00e0y m\u1edbi \u0111\u1ea1t 68%. \u0110\u00e2y l\u00e0 NH \u0111ang d\u1eabn \u0111\u1ea7u doanh thu v\u1ec1 BH tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 nh\u1edd NH s\u1edf h\u1eefu hai c\u00f4ng ty con l\u00e0 T\u1ed5ng c\u00f4ng ty CP B\u1ea3o hi\u1ec3m Qu\u00e2n \u0111\u1ed9i (MIC) v\u00e0 C\u00f4ng ty TNHH\u00a0b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u00a0MB Ageas.<\/p>\n<div id=\"attachment_35905\" class=\"wp-caption alignright\" style=\"width: auto\"><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-35905 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/TN-450x350.jpg\" alt=\"Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m\" width=\"450\" height=\"350\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/TN-450x350.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/TN.jpg 640w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><p class=\"wp-caption-text\">Minh h\u1ecda: DAD<\/p><\/div>\n<p>Ti\u1ebfp theo c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn l\u00e0 NH TMCP Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng (VPBank) c\u00f3 l\u1ee3i nhu\u1eadn sau thu\u1ebf l\u00e0 16.923 t\u1ec9 \u0111\u1ed3ng, t\u0103ng h\u01a1n 47% so v\u1edbi n\u0103m 2021. \u1ede m\u1ea3ng kinh doanh BH, n\u0103m v\u1eeba qua, VPBank thu v\u1ec1 g\u1ea7n 3.354 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 42% so v\u1edbi n\u0103m 2021. S\u1ed1 thu t\u1eeb BH c\u1ee7a VPBank c\u0169ng chi\u1ebfm 32% t\u1ed5ng thu nh\u1eadp d\u1ecbch v\u1ee5, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng t\u1ef7 l\u1ec7 c\u1ee7a n\u0103m 2021. Ngu\u1ed3n thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng BH c\u1ee7a NH n\u00e0y li\u00ean t\u1ee5c gia t\u0103ng khi n\u0103m 2020 ch\u1ec9 m\u1edbi \u0111\u1ea1t 2.574 t\u1ec9 \u0111\u1ed3ng. T\u1eeb th\u00e1ng 3.2022, VPBank v\u00e0 C\u00f4ng ty TNHH B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd AIA Vi\u1ec7t Nam \u0111\u00e3 t\u00e1i k\u00fd th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c \u0111\u1ed9c quy\u1ec1n ph\u00e2n ph\u1ed1i BH qua NH th\u1eddi h\u1ea1n 15 n\u0103m.<\/p>\n<p>Theo b\u1ea3ng \u01b0\u1edbc t\u00ednh ph\u00ed tr\u1ea3 tr\u01b0\u1edbc d\u1ef1a tr\u00ean m\u1ed9t s\u1ed1 th\u01b0\u01a1ng v\u1ee5 g\u1ea7n \u0111\u00e2y, C\u00f4ng ty ch\u1ee9ng kho\u00e1n Yuanta khi \u0111\u00f3 cho r\u1eb1ng VPBank c\u00f3 th\u1ec3 t\u00e1i \u0111\u00e0m ph\u00e1n ph\u00e2n ph\u1ed1i \u0111\u1ed9c quy\u1ec1n BH v\u1edbi kho\u1ea3n ph\u00ed 8.000 t\u1ec9 \u0111\u1ed3ng. Theo c\u00f4ng b\u1ed1 c\u1ee7a VPBank, k\u1ec3 t\u1eeb khi th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c ph\u00e2n ph\u1ed1i \u0111\u1ed9c quy\u1ec1n BH \u0111\u01b0\u1ee3c k\u00fd k\u1ebft l\u1ea7n \u0111\u1ea7u n\u0103m 2017, VPBank lu\u00f4n n\u1eb1m trong nh\u00f3m c\u00e1c NH c\u00f3 doanh s\u1ed1 b\u00e1n BH nh\u00e2n th\u1ecd cao nh\u1ea5t v\u00e0 hi\u1ec7n \u0111ang \u0111\u1ee9ng th\u1ee9 ba to\u00e0n th\u1ecb tr\u01b0\u1eddng. Cho \u0111\u1ebfn nay, ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i BH AIA \u0111\u00e3 \u0111\u01b0\u1ee3c tri\u1ec3n khai \u1edf h\u01a1n 250 chi nh\u00e1nh c\u1ee7a NH. \u0110\u1ebfn \u0111\u1ea7u th\u00e1ng 11.2022, VPBank c\u0169ng nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng th\u00eam v\u1ed1n v\u00e0 s\u1edf h\u1eefu 98% t\u1ea1i C\u00f4ng ty CP B\u1ea3o hi\u1ec3m OPES (chuy\u00ean kinh doanh BH phi nh\u00e2n th\u1ecd).<\/p>\n<p>T\u01b0\u01a1ng t\u1ef1, NH TMCP K\u1ef9 th\u01b0\u01a1ng VN (Techcombank) c\u00f3 l\u1ee3i nhu\u1eadn sau thu\u1ebf n\u0103m v\u1eeba qua l\u00e0 20.436,4 t\u1ec9 \u0111\u1ed3ng, t\u0103ng g\u1ea7n 11% so v\u1edbi n\u0103m 2021. Ngo\u00e0i thu nh\u1eadp t\u1eeb l\u00e3i, doanh thu t\u1eeb d\u1ecbch v\u1ee5 h\u1ee3p t\u00e1c BH c\u1ee7a Techcombank \u0111\u1ea1t h\u01a1n 1.750,6 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 12,3% so v\u1edbi 2021. Con s\u1ed1 n\u00e0y c\u1ee7a Techcombank \u0111\u00e3 t\u0103ng h\u01a1n g\u1ea5p \u0111\u00f4i n\u0103m 2020 v\u00e0 t\u1ef7 l\u1ec7 trong s\u1ed1 thu t\u1eeb c\u00e1c d\u1ecbch v\u1ee5 c\u0169ng t\u0103ng t\u01b0\u01a1ng \u1ee9ng t\u1eeb d\u01b0\u1edbi 14% l\u00ean 16%. B\u1ea3n th\u00e2n NH TMCP Qu\u1ed1c t\u1ebf VN (VIB) n\u0103m v\u1eeba qua c\u00f3 l\u1ee3i nhu\u1eadn sau thu\u1ebf h\u01a1n 8.468 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 32% so v\u1edbi n\u0103m 2021. NH cho hay nh\u1edd l\u00e3i thu\u1ea7n t\u0103ng 27% v\u00e0 l\u00e3i t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 c\u0169ng t\u0103ng 16%. Trong \u0111\u00f3, NH c\u00f3 doanh thu t\u1eeb BH 1.303 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 9% so v\u1edbi 2021\u2026<\/p>\n<p>Trong khi \u0111\u00f3, h\u00e0ng lo\u1ea1t NH kh\u00f4ng c\u00f4ng b\u1ed1 chi ti\u1ebft doanh thu t\u1eeb BH m\u00e0 \u0111\u01b0a v\u00e0o ngu\u1ed3n thu d\u1ecbch v\u1ee5 kh\u00e1c n\u00f3i chung. Nh\u01b0ng trong kho\u1ea3ng th\u1eddi gian 2019 &#8211; 2021, h\u00e0ng lo\u1ea1t th\u01b0\u01a1ng v\u1ee5 b\u1eaft tay gi\u1eefa c\u00e1c c\u00f4ng ty BH v\u00e0 NH \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 nh\u01b0 NH \u00c1 Ch\u00e2u k\u00fd \u0111\u1ed9c quy\u1ec1n v\u1edbi Sun Life, NH H\u00e0ng h\u1ea3i b\u1eaft tay v\u1edbi Prudential, NH S\u00e0i G\u00f2n b\u1eaft tay v\u1edbi Manulife\u2026<\/p>\n<p>Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111ang t\u01b0 v\u1ea5n v\u1ec1 b\u1ea3o hi\u1ec3m cho kh\u00e1ch \u0111\u1ebfn giao d\u1ecbch<\/p>\n<p>Ng\u1ecdc Th\u1eafng<\/p>\n<h5><strong>\u00c1p l\u1ef1c ch\u1ec9 ti\u00eau ?<\/strong><\/h5>\n<p>Sau nh\u1eefng th\u01b0\u01a1ng v\u1ee5 b\u1eaft tay b\u00e1n BH th\u00ec c\u00e1c NH s\u1ebd ph\u1ea3i \u0111\u01b0a ra ch\u1ec9 ti\u00eau kinh doanh nh\u01b0 c\u00e1c nghi\u1ec7p v\u1ee5 kh\u00e1c. T\u1eeb \u0111\u00f3 m\u1ed7i chi nh\u00e1nh, ph\u00f2ng giao d\u1ecbch s\u1ebd ph\u00e2n b\u1ed5 ch\u1ec9 ti\u00eau cho t\u1eebng nh\u00e2n vi\u00ean, nh\u1ea5t l\u00e0 b\u1ed9 ph\u1eadn t\u00edn d\u1ee5ng c\u00f3 ti\u1ebfp x\u00fac tr\u1ef1c ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng. R\u1ea5t nhi\u1ec1u nh\u00e2n vi\u00ean NH v\u00ec \u00e1p l\u1ef1c ho\u00e0n th\u00e0nh ch\u1ec9 ti\u00eau k\u1ebf ho\u1ea1ch n\u00ean v\u1eeba ch\u00e0o m\u1eddi, v\u1eeba n\u0103n n\u1ec9 \u0111\u1ec3 kh\u00e1ch h\u00e0ng tham gia mua BH.<\/p>\n<h5>L\u1eadp \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng ph\u1ea3n \u00e1nh &#8220;\u00e9p&#8221; mua b\u1ea3o hi\u1ec3m<\/h5>\n<p>NH Nh\u00e0 n\u01b0\u1edbc VN (NHNN) c\u00f4ng b\u1ed1 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n ph\u1ea3n \u00e1nh th\u00f4ng tin li\u00ean quan \u0111\u1ebfn vi\u1ec7c NH &#8220;\u00e9p&#8221; kh\u00e1ch h\u00e0ng mua BH. C\u01a1 quan Thanh tra, gi\u00e1m s\u00e1t NHNN ph\u1ed1i h\u1ee3p v\u1edbi C\u1ee5c Qu\u1ea3n l\u00fd gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh) ti\u1ebfn h\u00e0nh thanh tra, x\u1eed l\u00fd c\u00e1c vi ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd BH c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Hai \u0111\u01a1n v\u1ecb \u0111\u00e3 trao \u0111\u1ed5i, l\u00e0m vi\u1ec7c, th\u1ed1ng nh\u1ea5t thi\u1ebft l\u1eadp \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng \u0111\u1ec3 n\u1eafm b\u1eaft v\u00e0 x\u1eed l\u00fd k\u1ecbp th\u1eddi m\u1ecdi ph\u1ea3n \u00e1nh, ki\u1ebfn ngh\u1ecb c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c c\u01a1 quan, doanh nghi\u1ec7p li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 BH c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (trong gi\u1edd h\u00e0nh ch\u00ednh). S\u1ed1 \u0111i\u1ec7n tho\u1ea1i \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng c\u1ee7a NHNN g\u1ed3m (024) 388266344, (024) 3936.1017 v\u00e0 email duongdaynong.cqttgsnh@sbv.gov.vn.<\/p>\n<p>Tr\u01b0\u1edbc \u0111\u00f3, B\u1ed9 T\u00e0i ch\u00ednh g\u1eedi th\u00f4ng tin b\u00e1o ch\u00ed v\u1ec1 \u0111\u1ea9y m\u1ea1nh c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng BH. Theo \u0111\u00f3, n\u0103m 2022, B\u1ed9 T\u00e0i ch\u00ednh thanh tra chuy\u00ean \u0111\u1ec1 v\u1ec1 ph\u00e2n ph\u1ed1i BH qua NH \u0111\u1ed1i v\u1edbi 4 doanh nghi\u1ec7p BH v\u00e0 \u0111ang trong qu\u00e1 tr\u00ecnh ho\u00e0n thi\u1ec7n k\u1ebft lu\u1eadn thanh tra. N\u1ebfu c\u00f3 vi ph\u1ea1m s\u1ebd x\u1eed l\u00fd nghi\u00eam theo quy \u0111\u1ecbnh. N\u0103m 2023, B\u1ed9 T\u00e0i ch\u00ednh ti\u1ebfp t\u1ee5c ph\u1ed1i h\u1ee3p v\u1edbi NHNN thanh tra, ki\u1ec3m tra \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i BH qua NH.<\/p>\n<p>T\u00f9y t\u1eebng b\u1ed9 ph\u1eadn m\u00e0 ch\u1ec9 ti\u00eau v\u1ec1 doanh thu BH c\u0169ng kh\u00e1c nhau, c\u00f3 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c giao ph\u1ea3i ch\u1ea1y \u0111\u1ee7 v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ed3ng m\u1ed9t n\u0103m. D\u00f9 l\u00e0 \u00e1p l\u1ef1c nh\u01b0ng hoa h\u1ed3ng nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb nh\u1eefng h\u1ee3p \u0111\u1ed3ng BH c\u0169ng kh\u00e1 cao n\u00ean nhi\u1ec1u nh\u00e2n vi\u00ean NH c\u0169ng b\u1eaft \u0111\u1ea7u c\u00f3 &#8220;\u0111\u1ee7 chi\u00eau&#8221; \u0111\u1ec3 s\u0103n kh\u00e1ch h\u00e0ng. Ch\u1ecb Thu H\u00f2a (Q.T\u00e2n Ph\u00fa) cho hay cu\u1ed1i n\u0103m 2019, ch\u1ecb vay ti\u1ec1n t\u1ea1i m\u1ed9t NH th\u00ec nh\u00e2n vi\u00ean n\u00f3i th\u1eb3ng l\u00e0 ph\u1ea3i mua m\u1ed9t BH nh\u00e2n th\u1ecd c\u00f3 li\u00ean k\u1ebft v\u1edbi NH th\u00ec h\u1ed3 s\u01a1 m\u1edbi d\u1ec5 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn. V\u00ec c\u1ea7n ti\u1ec1n n\u00ean ch\u1ecb ph\u1ea3i \u0111\u1ed3ng \u00fd v\u00e0 tham gia BH v\u1edbi th\u1eddi h\u1ea1n 10 n\u0103m th\u00ec sau \u0111\u00f3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n. Hi\u1ec7n t\u1ea1i h\u1ee3p \u0111\u1ed3ng BH b\u1eaft bu\u1ed9c ph\u1ea3i duy tr\u00ec v\u00ec n\u1ebfu kh\u00f4ng th\u00ec l\u1ea1i m\u1ea5t h\u1ebft to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng trong h\u01a1n 3 n\u0103m qua. &#8220;V\u1eeba r\u1ed3i khi \u0111\u00e1o h\u1ea1n h\u1ee3p \u0111\u1ed3ng th\u00ec nh\u00e2n vi\u00ean c\u0169ng ch\u00e0o mua BH nh\u01b0ng m\u00ecnh n\u00f3i \u0111\u00e3 mua r\u1ed3i. Gi\u1edd kh\u00f4ng cho vay n\u1eefa th\u00ec th\u00f4i v\u00ec kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u00f3ng ti\u1ebfp&#8221;, ch\u1ecb Thu H\u00f2a chia s\u1ebb th\u00eam.<\/p>\n<p>Anh N.H (Q.10) b\u1ee9c x\u00fac cho bi\u1ebft nh\u00e2n vi\u00ean NH c\u00f2n gi\u1edf chi\u00eau &#8220;h\u00f9&#8221; khi mu\u1ed1n vay ti\u1ec1n. H\u1ecd n\u00f3i anh ph\u1ea3i mua h\u1ee3p \u0111\u1ed3ng BH nh\u00e2n th\u1ecd cho ng\u01b0\u1eddi th\u00e2n nh\u1eb1m b\u1ea3o \u0111\u1ea3m cho kho\u1ea3n vay trong tr\u01b0\u1eddng h\u1ee3p anh b\u1ecb m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n. Khi h\u1ecfi k\u1ef9 th\u00ec nh\u00e2n vi\u00ean n\u00f3i &#8220;tr\u1edb&#8221; l\u00e0 kh\u00f4ng ph\u1ea3i BH kho\u1ea3n vay v\u00ec \u0111\u00e2y l\u00e0 BH nh\u00e2n th\u1ecd, nh\u01b0ng ng\u01b0\u1eddi th\u00e2n l\u00fac \u0111\u00f3 c\u0169ng s\u1ebd \u0111\u1ee1 g\u00e1nh n\u1eb7ng v\u1ec1 chi ph\u00ed t\u00e0i ch\u00ednh v\u00ec \u0111ang ph\u1ea3i tr\u1ea3 l\u00e3i vay\u2026 &#8220;N\u00f3i c\u00e1ch g\u00ec th\u00ec nh\u00e2n vi\u00ean NH c\u0169ng c\u00f3 nhi\u1ec1u l\u00fd do \u0111\u1ec3 kh\u00e1ch h\u00e0ng ph\u1ea3i tham gia mua BH nh\u00e2n th\u1ecd, nh\u1ea5t l\u00e0 v\u1edbi kh\u00e1ch \u0111i vay ti\u1ec1n. Th\u1ea5p nh\u1ea5t c\u0169ng l\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u00f3ng ph\u00ed 1 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng&#8221;, anh N.H ng\u00e1n ng\u1ea9m n\u00f3i.<\/p>\n<p>T\u1eebng l\u00e0 nh\u00e2n vi\u00ean NH, ch\u1ecb Ng\u1ecdc Dung (Q.3, TP.HCM) chia s\u1ebb n\u1ebfu b\u00e1n \u0111\u01b0\u1ee3c BH th\u00ec s\u1ebd ho\u00e0n th\u00e0nh ch\u1ec9 ti\u00eau \u0111\u01b0\u1ee3c giao \u0111\u1ec3 t\u00ednh l\u01b0\u01a1ng, th\u01b0\u1edfng v\u00e0 c\u0169ng nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n hoa h\u1ed3ng. T\u00f9y t\u1eebng NH, m\u1ee9c ph\u00ed hoa h\u1ed3ng cho nh\u00e2n vi\u00ean t\u1eeb 7 &#8211; 10%. Ch\u1eb3ng h\u1ea1n, trong th\u00e1ng nh\u00e2n vi\u00ean m\u1eddi \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng mua BH tr\u1ecb gi\u00e1 100 tri\u1ec7u \u0111\u1ed3ng th\u00ec c\u00f3 th\u00eam 7 &#8211; 10 tri\u1ec7u \u0111\u1ed3ng. M\u1ed9t s\u1ed1 nh\u00e2n vi\u00ean kinh doanh c\u00f3 m\u1ee9c l\u01b0\u01a1ng c\u1ee9ng r\u1ea5t th\u1ea5p, ch\u1ec9 kho\u1ea3ng 10 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng. Do \u0111\u00f3, nh\u00e2n vi\u00ean n\u00e0y m\u1eddi \u0111\u01b0\u1ee3c nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng hay doanh thu ph\u00ed BH cao \u0111\u1ed3ng ngh\u0129a thu nh\u1eadp h\u1eb1ng th\u00e1ng s\u1ebd t\u0103ng cao.<\/p>\n<h5>Doanh nghi\u1ec7p th\u01b0\u1eddng xuy\u00ean b\u1ecb &#8220;\u00e9p&#8221;<\/h5>\n<p>Kh\u00f4ng ch\u1ec9 c\u00e1 nh\u00e2n, doanh nghi\u1ec7p l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb\u00a0\u00e9p mua BH\u00a0b\u1edfi nhu c\u1ea7u vay v\u1ed1n l\u1edbn. L\u00e0 \u0111\u01a1n v\u1ecb kinh doanh n\u00ean c\u00f3 nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n \u1edf nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c nhau, ch\u1ecb T.N (Q.B\u00ecnh Th\u1ea1nh, TP.HCM) cho bi\u1ebft c\u1ee9 m\u1ed7i l\u1ea7n vay ti\u1ec1n, nh\u00e2n vi\u00ean c\u1ee7a NH \u0111\u1ec1u gi\u1edbi thi\u1ec7u c\u00e1c quy\u1ec1n l\u1ee3i khi tham gia BH. \u01af\u1edbc t\u00ednh ch\u1ec9 trong v\u00f2ng 3 n\u0103m qua, ch\u1ecb \u0111\u00e3 mua kho\u1ea3ng 10 h\u1ee3p \u0111\u1ed3ng BH nh\u00e2n th\u1ecd, \u0111a s\u1ed1 kh\u00f4ng ph\u1ea3i t\u1eeb nhu c\u1ea7u m\u00e0 do &#8220;th\u1ea5y nh\u00e2n vi\u00ean nhi\u1ec7t t\u00ecnh qu\u00e1 n\u00ean mua \u1ee7ng h\u1ed9&#8221; ho\u1eb7c ph\u1ea3i mua k\u00e8m \u0111\u1ec3 \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i v\u1ec1 l\u00e3i su\u1ea5t. Ch\u1ecb T.N n\u00f3i th\u1eb3ng ch\u1ecb g\u1ea7n nh\u01b0 kh\u00f4ng \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng m\u00e0 ch\u1ee7 y\u1ebfu nghe nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n v\u00e0 sau \u0111\u00f3 l\u00e0 \u0111\u1eb7t b\u00fat k\u00fd t\u00ean mua lu\u00f4n..<\/p>\n<p>\u0110\u1ed3ng c\u1ea3nh ng\u1ed9, anh Nguy\u1ec5n S\u01a1n (Q.B\u00ecnh Th\u1ea1nh, TP.HCM) ng\u00e1n ng\u1ea9m khi nh\u1eafc \u0111\u1ebfn vi\u1ec7c mua BH nh\u00e2n th\u1ecd khi l\u00e0m th\u1ee7 t\u1ee5c vay v\u1ed1n. Trong v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y, anh Nguy\u1ec5n S\u01a1n vay ti\u1ec1n NH 5 l\u1ea7n, m\u1ed7i l\u1ea7n nh\u01b0 v\u1eady, nh\u00e2n vi\u00ean NH \u0111\u1ec1u k\u00e8m theo l\u1eddi m\u1eddi mua BH nh\u00e2n th\u1ecd. Do l\u00fac \u0111\u00f3 c\u1ea7n ti\u1ec1n n\u00ean anh Nguy\u1ec5n S\u01a1n \u0111\u1ed3ng \u00fd mua, \u0111\u00f3ng ph\u00ed n\u0103m \u0111\u1ea7u 40 tri\u1ec7u \u0111\u1ed3ng v\u00e0 sau khi NH gi\u1ea3i ng\u00e2n s\u1ed1 ti\u1ec1n vay, anh c\u0169ng b\u1ecf kh\u00f4ng \u0111\u00f3ng ph\u00ed BH nh\u1eefng n\u0103m sau \u0111\u00f3 n\u1eefa. \u0110i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a anh \u0111\u00e3 m\u1ea5t \u0111i 40 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 vay \u0111\u01b0\u1ee3c ti\u1ec1n.<\/p>\n<p>Th\u1eddi gian sau, l\u1ea1i ph\u00e1t sinh nhu c\u1ea7u vay v\u1ed1n, nh\u00e2n vi\u00ean NH m\u1eddi ch\u00e0o mua g\u00f3i BH 50 tri\u1ec7u \u0111\u1ed3ng th\u00ec s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3m l\u00e3i vay. R\u00fat kinh nghi\u1ec7m l\u1ea7n tr\u01b0\u1edbc b\u1ecf \u0111\u00f3ng ph\u00ed h\u1ee3p \u0111\u1ed3ng BH v\u00e0 hi\u1ec7n c\u0169ng \u0111ang \u0111\u00f3ng \u0111\u1ebfn 3 h\u1ee3p \u0111\u1ed3ng kh\u00e1c, anh Nguy\u1ec5n S\u01a1n trao \u0111\u1ed5i v\u1edbi nh\u00e2n vi\u00ean th\u00ec \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn c\u01b0a \u0111\u00f4i s\u1ed1 ti\u1ec1n tr\u00ean, ch\u1ec9 ph\u1ea3i \u0111\u01b0a 25 tri\u1ec7u \u0111\u1ed3ng. &#8220;Ng\u01b0\u1eddi \u0111i vay v\u1ed1n NH l\u00e0 r\u01a1i v\u00e0o t\u00ecnh th\u1ebf c\u1ea7n ti\u1ec1n r\u1ed3i m\u00e0 th\u1eddi \u0111i\u1ec3m \u0111\u00f3 ch\u00e0o mua BH nh\u00e2n th\u1ecd th\u00ec g\u1ea7n nh\u01b0 t\u00e2m l\u00fd ai c\u0169ng kh\u00f4ng mu\u1ed1n mua. Th\u1ebf nh\u01b0ng kh\u00f4ng mua th\u00ec s\u1ee3 nh\u00e2n vi\u00ean kh\u00f4ng duy\u1ec7t h\u1ed3 s\u01a1 vay, ho\u1eb7c l\u00e3i su\u1ea5t vay cao h\u01a1n. N\u00ean n\u00f3i kh\u00e1ch h\u00e0ng mua BH nh\u00e2n th\u1ecd l\u00e0 t\u1ef1 nguy\u1ec7n, kh\u00f4ng \u00e9p bu\u1ed9c th\u00ec c\u0169ng \u0111\u00fang, nh\u01b0ng r\u01a1i v\u00f4 th\u1ebf &#8220;ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan&#8221; nh\u01b0 v\u1eady th\u00ec l\u00e0m sao m\u00e0 t\u1eeb ch\u1ed1i&#8221;, anh Nguy\u1ec5n S\u01a1n ch\u00e1n n\u1ea3n.<\/p>\n<h5><strong>NH t\u1eadn d\u1ee5ng, khai th\u00e1c kh\u00e1ch h\u00e0ng<\/strong><\/h5>\n<p>NVCC<\/p>\n<p><em>C\u1ea3 c\u00f4ng ty BH, NH v\u00e0 nh\u00e2n vi\u00ean NH \u0111\u1ec1u tranh th\u1ee7 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a c\u01a1 h\u1ed9i v\u00e0 l\u1ee3i \u00edch. NH th\u00ec \u0111\u1eb7t k\u1ebf ho\u1ea1ch cao, giao ch\u1ec9 ti\u00eau n\u1eb7ng cho nh\u00e2n vi\u00ean b\u00e1n BH. T\u1ea5t c\u1ea3 \u0111\u1ec1u lao v\u00e0o l\u1ee3i nhu\u1eadn, t\u1eadn d\u1ee5ng, khai th\u00e1c kh\u00e1ch h\u00e0ng, m\u00e0 ch\u1eb3ng h\u1ec1 \u0111\u1eb7t m\u00ecnh v\u00e0o v\u1ecb tr\u00ed c\u1ee7a &#8220;th\u01b0\u1ee3ng \u0111\u1ebf&#8221; b\u1ea5t \u0111\u1eafc d\u0129, qu\u00ean \u0111i c\u1ea3m x\u00fac c\u1ee7a \u0111\u1ed1i t\u00e1c, th\u1eadm ch\u00ed l\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. C\u00e1c NH tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng BH v\u1edbi th\u1ebf m\u1ea1nh, l\u1ee3i th\u1ebf l\u1edbn v\u00e0 \u0111\u00e2y c\u0169ng l\u00e0 l\u0129nh v\u1ef1c mang l\u1ea1i l\u1ee3i nhu\u1eadn kh\u1ee7ng cho NH. Tuy nhi\u00ean, c\u00f3 NH l\u1ee3i d\u1ee5ng ti\u1ebfp c\u1eadn, g\u00e2y s\u1ee9c \u00e9p v\u1edbi kh\u00e1ch tham gia mua BH. Kh\u00e1ch h\u00e0ng c\u1ea7n ph\u1ea3i bi\u1ebft quy\u1ec1n c\u1ee7a m\u00ecnh \u1edf \u0111\u00e2y l\u00e0 c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i, trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 \u0111\u1ee7 b\u1eb1ng ch\u1ee9ng b\u1eaft \u00e9p mua BH th\u00ec c\u00f3 th\u1ec3 ki\u1ec7n ra t\u00f2a.<\/em><\/p>\n<p><em><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong><\/em><\/p>\n<h5><strong>C\u1ea7n c\u00f4ng c\u1ee5 gi\u00e1m s\u00e1t<\/strong><\/h5>\n<p>NVCC<\/p>\n<p>C\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n c\u00f3 th\u1ed1ng k\u00ea nh\u1eefng h\u1ee3p \u0111\u1ed3ng mua BH th\u00f4ng qua NH c\u00f3 t\u1ef7 l\u1ec7 b\u1ecf bao nhi\u00eau ph\u1ea7n tr\u0103m, c\u00f3 t\u0103ng l\u00ean trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y hay kh\u00f4ng \u0111\u1ec3 c\u00f3 c\u00e1i nh\u00ecn kh\u00e1ch quan h\u01a1n. B\u00ean c\u1ea1nh \u0111\u00f3, c\u1ea7n c\u00f3 quy \u0111\u1ecbnh nh\u01b0 trong qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n kh\u00e1ch mua BH, c\u1ea7n c\u00f3 camera ghi nh\u1eadn to\u00e0n b\u1ed9 bu\u1ed5i t\u01b0 v\u1ea5n \u0111\u1ec3 c\u00f3 b\u1eb1ng ch\u1ee9ng mua BH l\u00e0 \u00e9p bu\u1ed9c hay kh\u00f4ng.<\/p>\n<h5><em>\u00d4ng Nguy\u1ec5n Ng\u1ecdc T\u00fa, gi\u1ea3ng vi\u00ean Tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc Kinh doanh v\u00e0 C\u00f4ng ngh\u1ec7 H\u00e0 N\u1ed9i<\/em><\/h5>\n<p>\u00d4ng Nguy\u1ec5n Ng\u1ecdc T\u00fa, gi\u1ea3ng vi\u00ean Tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc Kinh doanh v\u00e0 C\u00f4ng ngh\u1ec7 H\u00e0 N\u1ed9i, ph\u00e2n t\u00edch: Th\u00f4ng th\u01b0\u1eddng nh\u00e2n vi\u00ean c\u00f4ng ty BH ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n. V\u00ec v\u1eady vi\u1ec7c ph\u1ed1i h\u1ee3p th\u00f4ng qua NH b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m BH \u0111\u01b0\u1ee3c tri\u1ec3n khai r\u1ea7m r\u1ed9 nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. BH b\u00e1n \u1edf NH kh\u00f4ng vi ph\u1ea1m ph\u00e1p lu\u1eadt nh\u01b0ng d\u1ec5 g\u00e2y ra nh\u1ea7m l\u1eabn \u0111\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u1ebfn NH giao d\u1ecbch. X\u00e9t v\u1ec1 v\u1ea5n \u0111\u1ec1 l\u1ee3i \u00edch, \u1edf \u0111\u00e2y nh\u00e2n vi\u00ean NH, NH v\u00e0 c\u00f4ng ty BH \u0111\u1ec1u \u0111\u01b0\u1ee3c l\u1ee3i khi kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn mua BH. Nh\u00e2n vi\u00ean NH b\u00e1n \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng BH s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c hoa h\u1ed3ng, ch\u00ednh v\u00ec \u0111i\u1ec1u n\u00e0y n\u00ean ph\u1ea7n t\u01b0 v\u1ea5n BH kh\u00f4ng \u0111\u01b0\u1ee3c r\u00f5 r\u00e0ng ngay t\u1eeb \u0111\u1ea7u. C\u00f3 khi kh\u00e1ch h\u00e0ng vay l\u00e0m h\u1ed3 s\u01a1 th\u1ee7 t\u1ee5c \u0111\u1ebfn ph\u1ea7n c\u00f4ng ch\u1ee9ng, gi\u1ea3i ng\u00e2n m\u1edbi xu\u1ea5t hi\u1ec7n h\u1ee3p \u0111\u1ed3ng BH. C\u0169ng t\u1eebng \u0111i vay v\u00e0 g\u1eb7p ph\u1ea3i tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady n\u00ean \u00f4ng Nguy\u1ec5n Ng\u1ecdc T\u00fa cho r\u1eb1ng c\u1ea3m gi\u00e1c r\u1ea5t l\u00e0 b\u1ecb &#8220;\u00e9p&#8221; nh\u01b0ng l\u00fac \u0111\u00f3 \u0111ang c\u1ea7n ti\u1ec1n m\u00e0 t\u1eeb ch\u1ed1i kh\u00f4ng mua h\u1ee3p \u0111\u1ed3ng BH th\u00ec s\u1ee3 kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n n\u00ean &#8220;c\u1eafn r\u0103ng&#8221; mua cho xong. Trong t\u00ecnh hu\u1ed1ng nh\u01b0 v\u1eady, c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 ki\u1ec3m tra hay thanh tra r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 ph\u00e1t hi\u1ec7n l\u00e0 kh\u00e1ch c\u00f3 b\u1ecb \u00e9p bu\u1ed9c mua BH hay kh\u00f4ng.<\/p>\n<h5><strong>Mai Ph\u01b0\u01a1ng \u2013 Thanh Xu\u00e2n<\/strong><\/h5>\n<p><strong>&#8212;&#8212;&#8212;&#8212;&#8212;-<\/strong><\/p>\n<p><strong><em>Thanh ni\u00ean (Ng\u00e2n h\u00e0ng) 23-02-2023:<\/em><\/strong><\/p>\n<p><a href=\"https:\/\/thanhnien.vn\/ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem-185230223015625045.htm\"><em>https:\/\/thanhnien.vn\/ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem-185230223015625045.htm<\/em><\/a><\/p>\n<p><em>(165\/2.472) #baohiem\u00a0 #nganhang #BTC #NHNN #anvi<\/em>","protected":false},"excerpt":{"rendered":"<p>Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m (TN) &#8211; V\u00ec sao nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u00ecm m\u1ecdi c\u00e1ch d\u1ee5 d\u1ed7, \u00e9p u\u1ed5ng, th\u1eadm ch\u00ed thi\u1ebfu trung th\u1ef1c \u0111\u1ec3 kh\u00e1ch t\u1edbi g\u1eedi, vay ti\u1ec1n ph\u1ea3i\u00a0mua b\u1ea3o hi\u1ec3m? Con s\u1ed1 l\u1ee3i nhu\u1eadn h\u00e0ng ng\u00e0n t\u1ec9 \u0111\u1ed3ng trong b\u1ee9c tranh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":35905,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[51,36],"class_list":["post-35904","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m | V\u00ec sao nh\u00e2n vi\u00ean NH t\u00ecm m\u1ecdi c\u00e1ch d\u1ee5 d\u1ed7, \u00e9p u\u1ed5ng kh\u00e1ch t\u1edbi g\u1eedi, vay ti\u1ec1n ph\u1ea3i\u00a0mua b\u1ea3o hi\u1ec3m...\" \/>\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\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m | V\u00ec sao nh\u00e2n vi\u00ean NH t\u00ecm m\u1ecdi c\u00e1ch d\u1ee5 d\u1ed7, \u00e9p u\u1ed5ng kh\u00e1ch t\u1edbi g\u1eedi, vay ti\u1ec1n ph\u1ea3i\u00a0mua b\u1ea3o hi\u1ec3m...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/\" \/>\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=\"2023-02-23T06:08:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-03T08:15:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/TN.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"498\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\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 Thanh \u0110\u1ee9c\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m\",\"datePublished\":\"2023-02-23T06:08:40+00:00\",\"dateModified\":\"2024-12-03T08:15:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/\"},\"wordCount\":3564,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/TN.jpg\",\"keywords\":[\"Lu\u1eadt s\u01b0 B\u1ea3o hi\u1ec3m\",\"Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng\"],\"articleSection\":[\"Tr\u00edch d\u1eabn\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/\",\"name\":\"[:vi]3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/TN.jpg\",\"datePublished\":\"2023-02-23T06:08:40+00:00\",\"dateModified\":\"2024-12-03T08:15:39+00:00\",\"description\":\"Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m | V\u00ec sao nh\u00e2n vi\u00ean NH t\u00ecm m\u1ecdi c\u00e1ch d\u1ee5 d\u1ed7, \u00e9p u\u1ed5ng kh\u00e1ch t\u1edbi g\u1eedi, vay ti\u1ec1n ph\u1ea3i\u00a0mua b\u1ea3o hi\u1ec3m...\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/TN.jpg\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/TN.jpg\",\"width\":640,\"height\":498,\"caption\":\"Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"(Ti\u1ebfng Vi\u1ec7t) 3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\",\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g\",\"caption\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\"},\"sameAs\":[\"https:\\\/\\\/anvilaw.com\"],\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/ductt\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m[:] - ANVI Law Firm","description":"Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m | V\u00ec sao nh\u00e2n vi\u00ean NH t\u00ecm m\u1ecdi c\u00e1ch d\u1ee5 d\u1ed7, \u00e9p u\u1ed5ng kh\u00e1ch t\u1edbi g\u1eedi, vay ti\u1ec1n ph\u1ea3i\u00a0mua b\u1ea3o hi\u1ec3m...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m[:] - ANVI Law Firm","og_description":"Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m | V\u00ec sao nh\u00e2n vi\u00ean NH t\u00ecm m\u1ecdi c\u00e1ch d\u1ee5 d\u1ed7, \u00e9p u\u1ed5ng kh\u00e1ch t\u1edbi g\u1eedi, vay ti\u1ec1n ph\u1ea3i\u00a0mua b\u1ea3o hi\u1ec3m...","og_url":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2023-02-23T06:08:40+00:00","article_modified_time":"2024-12-03T08:15:39+00:00","og_image":[{"width":640,"height":498,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/TN.jpg","type":"image\/jpeg"}],"author":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"14 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/"},"author":{"name":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/f250bfe7ec16ce4eba7ae37ffd717a9e"},"headline":"3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m","datePublished":"2023-02-23T06:08:40+00:00","dateModified":"2024-12-03T08:15:39+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/"},"wordCount":3564,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/TN.jpg","keywords":["Lu\u1eadt s\u01b0 B\u1ea3o hi\u1ec3m","Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng"],"articleSection":["Tr\u00edch d\u1eabn","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/","url":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/","name":"[:vi]3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/TN.jpg","datePublished":"2023-02-23T06:08:40+00:00","dateModified":"2024-12-03T08:15:39+00:00","description":"Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m | V\u00ec sao nh\u00e2n vi\u00ean NH t\u00ecm m\u1ecdi c\u00e1ch d\u1ee5 d\u1ed7, \u00e9p u\u1ed5ng kh\u00e1ch t\u1edbi g\u1eedi, vay ti\u1ec1n ph\u1ea3i\u00a0mua b\u1ea3o hi\u1ec3m...","breadcrumb":{"@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/TN.jpg","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/02\/TN.jpg","width":640,"height":498,"caption":"Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m"},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/en\/3-404-ngan-hang-thu-loi-hang-ngan-ti-tu-bao-hiem\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"(Ti\u1ebfng Vi\u1ec7t) 3.404. Ng\u00e2n h\u00e0ng thu l\u1ee3i h\u00e0ng ng\u00e0n t\u1ec9 t\u1eeb b\u1ea3o hi\u1ec3m"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/f250bfe7ec16ce4eba7ae37ffd717a9e","name":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g","caption":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c"},"sameAs":["https:\/\/anvilaw.com"],"url":"https:\/\/anvilaw.com\/vi\/author\/ductt\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/35904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=35904"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/35904\/revisions"}],"predecessor-version":[{"id":44622,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/35904\/revisions\/44622"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/35905"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=35904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=35904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=35904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}