{"id":36048,"date":"2023-03-02T18:07:04","date_gmt":"2023-03-02T11:07:04","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36048"},"modified":"2024-12-02T14:31:56","modified_gmt":"2024-12-02T07:31:56","slug":"3-417-manh-tay-voi-vi-pham-ban-bao-hiem-qua-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-418-manh-tay-voi-vi-pham-ban-bao-hiem-qua-ngan-hang\/","title":{"rendered":"3.418. M\u1ea1nh tay v\u1edbi vi ph\u1ea1m b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng"},"content":{"rendered":"

M\u1ea1nh tay v\u1edbi vi ph\u1ea1m b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(\u0110TCK) <\/strong>– <\/strong>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh \u0111ang t\u0103ng c\u01b0\u1eddng thanh tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) sau nhi\u1ec1u th\u00f4ng tin ph\u1ea3n \u00e1nh v\u1ec1 vi\u1ec7c kh\u00e1ch h\u00e0ng b\u1ecb \u201c\u00e9p\u201d mua b\u1ea3o hi\u1ec3m.<\/strong><\/h5>\n

\"M\u1ea1nh<\/strong><\/p>\n

L\u1eadp \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng, t\u0103ng c\u01b0\u1eddng thanh tra<\/strong><\/h5>\n

Th\u1eddi gian g\u1ea7n \u0111\u00e2y, tr\u00ean m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang li\u00ean ti\u1ebfp ph\u1ea3n \u00e1nh hi\u1ec7n t\u01b0\u1ee3ng m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u201c\u00e9p\u201d kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m, th\u00f4ng qua vi\u1ec7c t\u01b0 v\u1ea5n cho h\u1ecd chuy\u1ec3n t\u1eeb g\u1eedi ti\u1ebft ki\u1ec7m sang h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, ho\u1eb7c t\u0103ng l\u00e3i su\u1ea5t\/\u201c\u00e9p\u201d kh\u00e1ch h\u00e0ng t\u1ea5t to\u00e1n kho\u1ea3n vay n\u1ebfu kh\u00e1ch h\u00e0ng h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. \u0110i k\u00e8m v\u1edbi \u0111\u00f3 l\u00e0 vi\u1ec7c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng cung c\u1ea5p c\u00e1c th\u00f4ng tin ch\u01b0a \u0111\u1ea7y \u0111\u1ee7, r\u00f5 r\u00e0ng v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng.<\/p>\n

Tr\u01b0\u1edbc th\u1ef1c t\u1ebf tr\u00ean, ng\u00e0y 15\/2\/2023, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh c\u00f4ng v\u0103n ch\u1ec9 \u0111\u1ea1o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng nghi\u00eam t\u00fac ch\u1ea5p h\u00e0nh c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 ho\u1ea1t \u0111\u1ed9ng kinh doanh, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m; kh\u1ea9n tr\u01b0\u01a1ng r\u00e0 so\u00e1t, nghi\u00eam t\u00fac ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng, kh\u00f4ng \u0111\u1ec3 x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p c\u00e1n b\u1ed9\/\u0111\u01a1n v\u1ecb kinh doanh \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i x\u1eed l\u00fd nghi\u00eam nh\u1eefng tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m quy \u0111\u1ecbnh n\u1ed9i b\u1ed9, quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m.<\/p>\n

Trong th\u00f4ng c\u00e1o g\u1eedi c\u00e1c c\u01a1 quan b\u00e1o ch\u00ed v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cung \u1ee9ng d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m ng\u00e0y 21\/2\/2023, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft, C\u01a1 quan Thanh tra, gi\u00e1m s\u00e1t (Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) ph\u1ed1i h\u1ee3p v\u1edbi C\u1ee5c Qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh) \u0111\u00e3 ti\u1ebfn h\u00e0nh thanh tra, x\u1eed l\u00fd c\u00e1c vi ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

L\u00e3nh \u0111\u1ea1o c\u01a1 quan thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng v\u00e0 l\u00e3nh \u0111\u1ea1o C\u1ee5c Qu\u1ea3n l\u00fd gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m \u0111\u00e3 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 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng thi\u1ebft l\u1eadp m\u1ed9t \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng ri\u00eang \u0111\u1ec3 ti\u1ebfp nh\u1eadn ph\u1ea3n \u00e1nh c\u1ee7a doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n v\u1ec1 b\u1ea3o hi\u1ec3m.<\/p>\n

Nh\u00ecn nh\u1eadn v\u1ec1 \u0111\u1ed9ng th\u00e1i n\u00e0y, \u00f4ng Tr\u1ea7n Nguy\u00ean \u0110\u00e1n, Gi\u1ea3ng vi\u00ean b\u1ed9 m\u00f4n b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh, Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf TP.HCM cho r\u1eb1ng, c\u01a1 quan qu\u1ea3n l\u00fd c\u1ea7n c\u00f3 nh\u1eefng \u0111\u1ed9ng th\u00e1i m\u1ea1nh m\u1ebd, quy\u1ebft li\u1ec7t h\u01a1n n\u1eefa \u0111\u1ec3 l\u1eadp l\u1ea1i tr\u1eadt t\u1ef1 tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m n\u00f3i chung, k\u00eanh ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang.<\/p>\n

\u201cHai m\u01b0\u01a1i n\u0103m qua, k\u00eanh \u0111\u1ea1i l\u00fd truy\u1ec1n th\u1ed1ng \u0111\u00e3 c\u00f3 qu\u00e1 nhi\u1ec1u t\u1ed3n \u0111\u1ecdng ch\u01b0a x\u1eed l\u00fd d\u1ee9t \u0111i\u1ec3m \u0111\u01b0\u1ee3c, nay k\u00eanh bancassurance l\u1ea1i ti\u1ebfp t\u1ee5c ph\u00e1t sinh th\u00eam nhi\u1ec1u v\u1ea5n \u0111\u1ec1 m\u1edbi. T\u00ecnh tr\u1ea1ng n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft, s\u1edbm tr\u1ea3 l\u1ea1i \u00fd ngh\u0129a t\u1ed1t \u0111\u1eb9p th\u1eadt s\u1ef1 cho ng\u00e0nh b\u1ea3o hi\u1ec3m\u201d, \u00f4ng \u0110\u00e1n n\u00f3i.<\/p>\n

Ch\u1edd c\u00f4ng khai k\u1ebft qu\u1ea3 thanh tra<\/strong><\/h5>\n

B\u1ed9 T\u00e0i ch\u00ednh cho bi\u1ebft, n\u0103m 2022, c\u01a1 quan n\u00e0y \u0111\u00e3 ti\u1ebfn h\u00e0nh thanh tra chuy\u00ean \u0111\u1ec1 v\u1ec1 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 \u0111ang trong qu\u00e1 tr\u00ecnh ho\u00e0n thi\u1ec7n b\u00e1o c\u00e1o k\u1ebft lu\u1eadn thanh tra. N\u1ebfu ph\u00e1t hi\u1ec7n vi ph\u1ea1m, B\u1ed9 s\u1ebd x\u1eed l\u00fd nghi\u00eam theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

N\u0103m nay, B\u1ed9 T\u00e0i ch\u00ednh ti\u1ebfp t\u1ee5c ph\u1ed1i h\u1ee3p v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc thanh tra, ki\u1ec3m tra \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng. Vi\u1ec7c thanh tra, ki\u1ec3m tra d\u1ef1 ki\u1ebfn th\u1ef1c hi\u1ec7n \u1edf c\u1ea3 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ed1i t\u00e1c ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m.<\/p>\n

B\u1ed9 c\u0169ng y\u00eau c\u1ea7u doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m t\u0103ng c\u01b0\u1eddng ki\u1ec3m tra, gi\u00e1m s\u00e1t vi\u1ec7c th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, nghi\u00eam t\u00fac tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t kh\u00f4ng \u0111\u01b0\u1ee3c \u00e9p bu\u1ed9c c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n mua b\u1ea3o hi\u1ec3m d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c.<\/p>\n

Th\u1ecb tr\u01b0\u1eddng \u0111ang tr\u00f4ng ng\u00f3ng k\u1ebft lu\u1eadn thanh tra ch\u00ednh th\u1ee9c c\u0169ng nh\u01b0 danh t\u00ednh c\u1ee5 th\u1ec3 c\u1ee7a 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m b\u1ecb thanh tra.<\/p>\n

\u00d4ng L\u01b0\u01a1ng V\u0103n Ban, Th\u01b0 k\u00fd V\u0103n ph\u00f2ng Lu\u1eadt s\u01b0 Tinh Hoa Vi\u1ec7t cho bi\u1ebft, theo Lu\u1eadt Thanh tra 2010, c\u01a1 quan qu\u1ea3n l\u00fd (B\u1ed9 T\u00e0i ch\u00ednh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) ph\u1ea3i c\u00f4ng khai k\u1ebft lu\u1eadn thanh tra chuy\u00ean \u0111\u1ec1 v\u1ec1 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng.<\/p>\n

C\u1ee5 th\u1ec3, ch\u1eadm nh\u1ea5t l\u00e0 10 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y k\u00fd k\u1ebft lu\u1eadn thanh tra, ng\u01b0\u1eddi ra quy\u1ebft \u0111\u1ecbnh thanh tra c\u00f3 tr\u00e1ch nhi\u1ec7m c\u00f4ng khai k\u1ebft lu\u1eadn thanh tra t\u1ea1i cu\u1ed9c h\u1ecdp v\u1edbi th\u00e0nh ph\u1ea7n bao g\u1ed3m: \u201cNg\u01b0\u1eddi ra quy\u1ebft \u0111\u1ecbnh thanh tra, \u0110o\u00e0n thanh tra, \u0111\u1ed1i t\u01b0\u1ee3ng thanh tra, c\u01a1 quan, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 li\u00ean quan ho\u1eb7c t\u1ed5 ch\u1ee9c h\u1ecdp b\u00e1o\u201d v\u00e0 l\u1ef1a ch\u1ecdn \u00edt nh\u1ea5t m\u1ed9t trong c\u00e1c h\u00ecnh th\u1ee9c c\u00f4ng khai sau: \u201cTh\u00f4ng b\u00e1o tr\u00ean ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang; \u0111\u01b0a l\u00ean trang th\u00f4ng tin \u0111i\u1ec7n t\u1eed c\u1ee7a c\u01a1 quan thanh tra nh\u00e0 n\u01b0\u1edbc, c\u01a1 quan \u0111\u01b0\u1ee3c giao th\u1ef1c hi\u1ec7n ch\u1ee9c n\u0103ng thanh tra chuy\u00ean ng\u00e0nh ho\u1eb7c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc c\u00f9ng c\u1ea5p; ni\u00eam y\u1ebft t\u1ea1i tr\u1ee5 s\u1edf l\u00e0m vi\u1ec7c c\u1ee7a c\u01a1 quan, t\u1ed5 ch\u1ee9c l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng thanh tra\u201d. K\u1ebft lu\u1eadn thanh tra ph\u1ea3i \u0111\u01b0\u1ee3c c\u00f4ng khai, tr\u1eeb n\u1ed9i dung thu\u1ed9c b\u00ed m\u1eadt nh\u00e0 n\u01b0\u1edbc ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n

D\u01b0\u1edbi g\u00f3c nh\u00ecn c\u1ee7a Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC, ph\u00e1p lu\u1eadt thanh tra l\u00e2u nay \u0111\u1ec1u quy \u0111\u1ecbnh nh\u01b0 v\u1eady, nh\u01b0ng th\u1ef1c t\u1ebf th\u00ec \u00edt th\u1ea5y vi\u1ec7c c\u00f4ng khai c\u00e1c k\u1ebft lu\u1eadn thanh tra tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng tin \u0111\u1ea1i ch\u00fang.<\/em><\/p>\n

\u201cHi\u1ebfm c\u00f3 k\u1ebft lu\u1eadn thanh tra n\u00e0o li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 c\u00f4ng khai, v\u00ec ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng quy \u0111\u1ecbnh c\u00f4ng khai \u201ctr\u1eeb nh\u1eefng n\u1ed9i dung trong k\u1ebft lu\u1eadn thanh tra thu\u1ed9c b\u00ed m\u1eadt nh\u00e0 n\u01b0\u1edbc v\u00e0 n\u1ed9i dung nh\u1ea1y c\u1ea3m m\u00e0 vi\u1ec7c c\u00f4ng b\u1ed1 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn an to\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng thanh tra ng\u00e2n h\u00e0ng\u201d, m\u00e0 ng\u00e2n h\u00e0ng th\u00ec c\u00f3 qu\u00e1 nhi\u1ec1u nh\u1ea1y c\u1ea3m\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Trong khi \u0111\u00f3, theo \u00f4ng Tr\u1ea7n Nguy\u00ean \u0110\u00e1n, B\u1ed9 T\u00e0i ch\u00ednh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho r\u1eb1ng, \u201cc\u1ea7n r\u00e0 l\u1ea1i xem c\u00f3 bao nhi\u00eau h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m thu\u1ed9c di\u1ec7n ti\u1ebft ki\u1ec7m nh\u01b0ng b\u1ecb l\u00e1i ra th\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m; bao nhi\u00eau h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd trong tr\u1ea1ng th\u00e1i b\u1ecb \u00e9p, bao nhi\u00eau h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c mua m\u1ed9t c\u00e1ch t\u1ef1 nguy\u1ec7n v\u00e0 c\u00f4ng b\u1ed1 r\u1ed9ng r\u00e3i danh s\u00e1ch tr\u00ean, nh\u1eb1m g\u00f3p ph\u1ea7n c\u1ee7ng c\u1ed1 ni\u1ec1m tin cho th\u1ecb tr\u01b0\u1eddng\u201d.<\/p>\n

Kim<\/strong> Lan<\/strong><\/h5>\n

—————–<\/p>\n

\u0110\u1ea7u<\/em><\/strong> t\u01b0 Ch\u1ee9ng kho\u00e1n (T\u00e0i ch\u00ednh) 02-3-2023:<\/em><\/strong><\/p>\n

https:\/\/www.tinnhanhchungkhoan.vn\/manh-tay-voi-vi-pham-ban-bao-hiem-qua-ngan-hang-post315918.html<\/a><\/em><\/p>\n

(129\/1.208) #baohiem #nganhang #BTC #NHNN<\/em>","protected":false},"excerpt":{"rendered":"

M\u1ea1nh tay v\u1edbi vi ph\u1ea1m b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (\u0110TCK) – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh \u0111ang t\u0103ng c\u01b0\u1eddng thanh tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) sau nhi\u1ec1u th\u00f4ng tin ph\u1ea3n \u00e1nh v\u1ec1 vi\u1ec7c kh\u00e1ch h\u00e0ng b\u1ecb \u201c\u00e9p\u201d mua b\u1ea3o hi\u1ec3m. L\u1eadp \u0111\u01b0\u1eddng […]<\/p>\n","protected":false},"author":1,"featured_media":36049,"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-36048","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":"\n3.418. 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