{"id":38502,"date":"2023-12-07T13:47:46","date_gmt":"2023-12-07T06:47:46","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38502"},"modified":"2024-10-14T14:54:10","modified_gmt":"2024-10-14T07:54:10","slug":"4-202-khong-che-tran-chi-phi-lai-vay-quy-dinh-the-nao-de-khong-gay-kho-cho-doanh-nghiep","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-202-khong-che-tran-chi-phi-lai-vay-quy-dinh-the-nao-de-khong-gay-kho-cho-doanh-nghiep\/","title":{"rendered":"4.202. Kh\u1ed1ng ch\u1ebf tr\u1ea7n chi ph\u00ed l\u00e3i vay: Quy \u0111\u1ecbnh th\u1ebf n\u00e0o \u0111\u1ec3 kh\u00f4ng g\u00e2y kh\u00f3 cho doanh nghi\u1ec7p?"},"content":{"rendered":"

Kh\u1ed1ng ch\u1ebf tr\u1ea7n chi ph\u00ed l\u00e3i vay: Quy \u0111\u1ecbnh th\u1ebf n\u00e0o \u0111\u1ec3 kh\u00f4ng g\u00e2y kh\u00f3 cho doanh nghi\u1ec7p?<\/span><\/h4>\n
(\u0110T) –\u00a0B\u1ed9 T\u00e0i ch\u00ednh \u0111ang l\u1ea5y \u00fd ki\u1ebfn v\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 132\/2020\/N\u0110-CP v\u1ec1 qu\u1ea3n l\u00fd thu\u1ebf v\u1edbi doanh nghi\u1ec7p (DN) c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft. M\u1ed9t trong nh\u1eefng n\u1ed9i dung \u0111\u00e1ng ch\u00fa \u00fd \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t s\u1eeda \u0111\u1ed5i l\u00e0 b\u1ecf x\u00e1c \u0111\u1ecbnh quan h\u1ec7 li\u00ean k\u1ebft \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng cho DN vay v\u1edbi \u0111i\u1ec1u ki\u1ec7n ng\u00e2n h\u00e0ng kh\u00f4ng tham gia ki\u1ec3m so\u00e1t, \u0111i\u1ec1u h\u00e0nh DN \u0111\u00f3. Tuy nhi\u00ean, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, \u0111\u1ec1 xu\u1ea5t s\u1eeda \u0111\u1ed5i nh\u01b0 v\u1eady v\u1eabn ch\u01b0a ph\u00f9 h\u1ee3p.<\/strong><\/h5>\n\n\n\n\n
\"Kh\u1ed1ng<\/td>\n<\/tr>\n
B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec1 xu\u1ea5t b\u1ecf x\u00e1c \u0111\u1ecbnh quan h\u1ec7 li\u00ean k\u1ebft \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng cho doanh nghi\u1ec7p vay v\u1edbi \u0111i\u1ec1u ki\u1ec7n ng\u00e2n h\u00e0ng kh\u00f4ng tham gia ki\u1ec3m so\u00e1t, \u0111i\u1ec1u h\u00e0nh doanh nghi\u1ec7p \u0111\u00f3. \u1ea2nh: Nh\u00e3 Chi<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo \u0111i\u1ec3m d kho\u1ea3n 2 \u0110i\u1ec1u 5 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 132, m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p x\u00e1c \u0111\u1ecbnh quan h\u1ec7 li\u00ean k\u1ebft l\u00e0 m\u1ed9t DN b\u1ea3o l\u00e3nh ho\u1eb7c cho m\u1ed9t DN kh\u00e1c vay v\u1ed1n d\u01b0\u1edbi b\u1ea5t k\u1ef3 h\u00ecnh th\u1ee9c n\u00e0o v\u1edbi \u0111i\u1ec1u ki\u1ec7n kho\u1ea3n v\u1ed1n vay \u00edt nh\u1ea5t b\u1eb1ng 25% v\u1ed1n g\u00f3p c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a DN \u0111i vay v\u00e0 chi\u1ebfm tr\u00ean 50% t\u1ed5ng gi\u00e1 tr\u1ecb c\u00e1c kho\u1ea3n n\u1ee3 trung v\u00e0 d\u00e0i h\u1ea1n c\u1ee7a DN \u0111i vay.<\/p>\n

Khi \u0111\u00f3, \u00e1p d\u1ee5ng \u0111i\u1ec3m a kho\u1ea3n 3 \u0110i\u1ec1u 16 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 132, t\u1ed5ng chi ph\u00ed l\u00e3i vay \u0111\u01b0\u1ee3c tr\u1eeb khi x\u00e1c \u0111\u1ecbnh thu nh\u1eadp ch\u1ecbu thu\u1ebf thu nh\u1eadp DN kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% c\u1ee7a t\u1ed5ng l\u1ee3i nhu\u1eadn thu\u1ea7n c\u1ed9ng chi ph\u00ed l\u00e3i vay c\u1ed9ng chi ph\u00ed kh\u1ea5u hao (EBITDA).<\/p>\n

B\u1ed9 T\u00e0i ch\u00ednh cho bi\u1ebft, v\u1edbi quy \u0111\u1ecbnh nh\u01b0 tr\u00ean, c\u00e1c DN ki\u1ebfn ngh\u1ecb, ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n ng\u00e2n h\u00e0ng \u0111\u1ec3 ph\u1ee5c v\u1ee5 s\u1ea3n xu\u1ea5t kinh doanh l\u00e0 ho\u1ea1t \u0111\u1ed9ng ph\u1ed5 bi\u1ebfn c\u1ee7a c\u00e1c DN t\u1ea1i Vi\u1ec7t Nam v\u00e0 cho vay c\u0169ng l\u00e0 ho\u1ea1t \u0111\u1ed9ng th\u00f4ng th\u01b0\u1eddng c\u1ee7a ng\u00e2n h\u00e0ng. DN v\u00e0 ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n \u0111\u1ed9c l\u1eadp v\u1edbi nhau. Do \u0111\u00f3, vi\u1ec7c kh\u1ed1ng ch\u1ebf v\u00e0 lo\u1ea1i chi ph\u00ed l\u00e3i vay \u0111\u1ed1i v\u1edbi DN trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p.<\/p>\n

Th\u1ef1c ti\u1ec5n cho th\u1ea5y, tr\u01b0\u1eddng h\u1ee3p vay v\u1ed1n ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y kh\u00f4ng \u0111i\u1ec1u h\u00e0nh, ki\u1ec3m so\u00e1t, g\u00f3p v\u1ed1n, quy\u1ebft \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a DN \u0111i vay th\u00ec kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1c b\u00ean c\u00f3 quan h\u1ec7 li\u00ean k\u1ebft.<\/p>\n

Do \u0111\u00f3, B\u1ed9 T\u00e0i ch\u00ednh tr\u00ecnh b\u00e1o c\u00e1o Ch\u00ednh ph\u1ee7 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung \u0111i\u1ec3m d kho\u1ea3n 2 \u0110i\u1ec1u 5 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 132\/2020\/N\u0110-CP \u0111\u1ec3 lo\u1ea1i tr\u1eeb vi\u1ec7c x\u00e1c \u0111\u1ecbnh quan h\u1ec7 li\u00ean k\u1ebft \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, t\u1ed5 ch\u1ee9c kh\u00e1c c\u00f3 ch\u1ee9c n\u0103ng ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng (kh\u00f4ng tham gia \u0111i\u1ec1u h\u00e0nh, ki\u1ec3m so\u00e1t, g\u00f3p v\u1ed1n ho\u1eb7c \u0111\u1ea7u t\u01b0 v\u00e0o DN \u0111i vay ho\u1eb7c DN v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, t\u1ed5 ch\u1ee9c kh\u00e1c c\u00f3 ch\u1ee9c n\u0103ng ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u h\u00e0nh, ki\u1ec3m so\u00e1t, g\u00f3p v\u1ed1n ho\u1eb7c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u1ed9t b\u00ean kh\u00e1c) b\u1ea3o l\u00e3nh ho\u1eb7c cho m\u1ed9t DN kh\u00e1c vay v\u1ed1n d\u01b0\u1edbi b\u1ea5t k\u1ef3 h\u00ecnh th\u1ee9c n\u00e0o.<\/p>\n

TS. \u0110inh Tr\u1ecdng Th\u1ecbnh, chuy\u00ean gia kinh t\u1ebf cho r\u1eb1ng: \u201cVi\u1ec7c gi\u1eef quy \u0111\u1ecbnh kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay l\u00e0 ph\u00f9 h\u1ee3p b\u1edfi \u0111\u00e2y \u0111\u01b0\u1ee3c coi l\u00e0 c\u00e1ch th\u1ee9c hi\u1ec7u qu\u1ea3 \u0111\u1ec3 ch\u1ed1ng t\u00ecnh tr\u1ea1ng chuy\u1ec3n gi\u00e1 tr\u1ed1n thu\u1ebf. \u0110\u00e2y c\u0169ng l\u00e0 c\u00e1ch th\u1ee9c \u0111\u00e3 \u0111\u01b0\u1ee3c nhi\u1ec1u n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi \u00e1p d\u1ee5ng. Trong khi \u0111\u00f3, vi\u1ec7c x\u00e1c \u0111\u1ecbnh quan h\u1ec7 li\u00ean k\u1ebft gi\u1eefa DN v\u1edbi ng\u00e2n h\u00e0ng theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 132 l\u00e0 ch\u01b0a ph\u00f9 h\u1ee3p, b\u1edfi c\u00e1c DN Vi\u1ec7t Nam th\u01b0\u1eddng vay v\u1ed1n t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng v\u1edbi h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng \u0111\u00e3 th\u1ea9m \u0111\u1ecbnh r\u00f5 r\u00e0ng, gi\u1ea3m chi ph\u00ed vay v\u1ed1n. Do \u0111\u00f3, vi\u1ec7c xem \u0111\u00e2y l\u00e0 giao d\u1ecbch li\u00ean k\u1ebft s\u1ebd g\u00e2y kh\u00f3 kh\u0103n cho DN\u201d.<\/p>\n

Trong khi \u0111\u00f3, Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>\u00a0cho r\u1eb1ng, n\u1ebfu theo \u0111\u00fang nguy\u00ean l\u00fd v\u00e0 m\u1ee5c ti\u00eau c\u1ee7a qu\u1ea3n l\u00fd thu\u1ebf \u0111\u1ed1i v\u1edbi DN c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p lo\u1ea1i tr\u1eeb chi ph\u00ed l\u00e3i vay kh\u1ecfi chi ph\u00ed c\u1ee7a DN khi c\u00f3 \u0111\u1ee7 3 y\u1ebfu t\u1ed1: c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft; c\u00f3 y\u1ebfu t\u1ed1 chuy\u1ec3n gi\u00e1; chi ph\u00ed l\u00e3i vay \u0111\u1ea1t \u0111\u1ebfn m\u1ee9c \u0111\u00e1ng k\u1ec3 (v\u01b0\u1ee3t 30% EBITDA).<\/em><\/p>\n

\u201c\u0110\u1ea1i \u0111a s\u1ed1 DN Vi\u1ec7t Nam b\u1ecb lo\u1ea1i chi ph\u00ed l\u00e3i vay khi t\u00ednh thu\u1ebf d\u00f9 kh\u00f4ng c\u00f3 y\u1ebfu t\u1ed1 chuy\u1ec3n gi\u00e1, th\u1eadm ch\u00ed kh\u00f4ng c\u00f3 y\u1ebfu t\u1ed1 li\u00ean k\u1ebft. \u0110i\u1ec3n h\u00ecnh c\u1ee7a vi\u1ec7c n\u00e0y l\u00e0 vay v\u1ed1n ng\u00e2n h\u00e0ng v\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p c\u00f3 quan h\u1ec7 li\u00ean k\u1ebft theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 3.21 Lu\u1eadt Qu\u1ea3n l\u00fd thu\u1ebf v\u00e0 \u0110i\u1ec1u 5.1 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 132\/2020\/N\u0110-CP, th\u1eadm ch\u00ed c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan theo quy \u0111\u1ecbnh c\u1ee7a c\u00e1c lu\u1eadt, g\u1ed3m: Lu\u1eadt Doanh nghi\u1ec7p n\u0103m 2020, Lu\u1eadt Ch\u1ee9ng kho\u00e1n n\u0103m 2019, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 v\u00e0 Lu\u1eadt C\u00e1c c\u00f4ng c\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng n\u0103m 2005\u201d, \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

Do \u0111\u00f3, \u00f4ng \u0110\u1ee9c \u0111\u1ec1 xu\u1ea5t, c\u01a1 quan thu\u1ebf ch\u1ec9 n\u00ean x\u1eed l\u00fd c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u00f3 nghi ng\u1edd gian l\u1eadn, l\u00e1ch thu\u1ebf khi c\u00e1c DN c\u00f3 nh\u1eefng d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111ang \u0111\u01b0\u1ee3c h\u01b0\u1edfng \u01b0u \u0111\u00e3i v\u1ec1 thu\u1ebf hay li\u00ean t\u1ee5c b\u00e1o l\u1ed7 nhi\u1ec1u n\u0103m li\u1ec1n \u0111\u1ec3 kh\u00f4ng \u0111\u00f3ng thu\u1ebf. V\u1edbi c\u00e1c DN kh\u00f4ng c\u00f3 c\u00f4ng ty con, kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng \u01b0u \u0111\u00e3i, v\u1eabn \u0111\u00f3ng thu\u1ebf \u0111\u1ec1u \u0111\u1eb7n h\u1eb1ng n\u0103m, c\u00e1c kho\u1ea3n vay c\u00f3 ch\u1ee9ng t\u1eeb h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7 th\u00ec ph\u1ea3i cho DN \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb v\u00e0o chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng.<\/em><\/p>\n

T\u1eeb g\u00f3c \u0111\u1ed9 kh\u00e1c, Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) cho r\u1eb1ng, vi\u1ec7c lo\u1ea1i tr\u1eeb x\u00e1c \u0111\u1ecbnh quan h\u1ec7 li\u00ean k\u1ebft gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 DN nh\u01b0 \u0111\u1ec1 xu\u1ea5t c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh s\u1ebd kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p. Trong tr\u01b0\u1eddng h\u1ee3p hai b\u00ean ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p \u0111i vay c\u00f3 quan h\u1ec7 \u0111i\u1ec1u h\u00e0nh, ki\u1ec3m so\u00e1t, g\u00f3p v\u1ed1n nh\u01b0ng giao d\u1ecbch cho vay v\u1edbi l\u00e3i su\u1ea5t ph\u00f9 h\u1ee3p m\u1eb7t b\u1eb1ng chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u1eabn s\u1ebd b\u1ecb kh\u1ed1ng ch\u1ebf b\u1edfi ng\u01b0\u1ee1ng 30%. \u0110i\u1ec1u n\u00e0y ch\u01b0a th\u1ef1c s\u1ef1 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau c\u01a1 b\u1ea3n c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 132 l\u00e0 ch\u1ed1ng h\u00e0nh vi chuy\u1ec3n gi\u00e1. Trong tr\u01b0\u1eddng h\u1ee3p tr\u00ean, hai b\u00ean kh\u00f4ng h\u1ec1 c\u00f3 h\u00e0nh vi \u201cb\u00f3p m\u00e9o\u201d l\u00e3i su\u1ea5t (gi\u00e1 c\u1ee7a giao d\u1ecbch cho vay) nh\u1eb1m m\u1ee5c \u0111\u00edch chuy\u1ec3n gi\u00e1 m\u00e0 giao d\u1ecbch n\u00e0y v\u1eabn tu\u00e2n theo nguy\u00ean t\u1eafc giao d\u1ecbch \u0111\u1ed9c l\u1eadp th\u00ec vi\u1ec7c kh\u00f4ng cho t\u00ednh ph\u1ea7n chi ph\u00ed l\u00e3i vay v\u01b0\u1ee3t qu\u00e1 30% trong m\u1ed9t giao d\u1ecbch tho\u1ea3 m\u00e3n nguy\u00ean t\u1eafc giao d\u1ecbch \u0111\u1ed9c l\u1eadp l\u00e0 b\u1ea5t h\u1ee3p l\u00fd.<\/p>\n

Do \u0111\u00f3, VCCI \u0111\u1ec1 ngh\u1ecb C\u01a1 quan so\u1ea1n th\u1ea3o c\u00e2n nh\u1eafc s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u 16.3 Ngh\u1ecb \u0111\u1ecbnh 132 theo h\u01b0\u1edbng cho ph\u00e9p c\u00e1c DN ch\u1ee9ng minh giao d\u1ecbch cho vay theo nguy\u00ean t\u1eafc giao d\u1ecbch \u0111\u1ed9c l\u1eadp b\u1eb1ng c\u00e1ch k\u00ea khai v\u00e0 l\u1eadp h\u1ed3 s\u01a1 so s\u00e1nh v\u1edbi c\u00e1c giao d\u1ecbch cho vay kh\u00e1c v\u00e0\/ho\u1eb7c v\u1edbi m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng. Trong tr\u01b0\u1eddng h\u1ee3p giao d\u1ecbch n\u00e0y \u0111\u00fang nguy\u00ean t\u1eafc giao d\u1ecbch \u0111\u1ed9c l\u1eadp th\u00ec DN \u0111\u01b0\u1ee3c tr\u1eeb chi ph\u00ed t\u00ednh thu\u1ebf, k\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p chi ph\u00ed \u0111\u00f3 v\u01b0\u1ee3t 30% EBITDA.<\/p>\n

Xu\u00e2n Y\u1ebfn<\/strong><\/p>\n

—————<\/p>\n

\u0110\u1ea5u th\u1ea7u (T\u00e0i ch\u00ednh) ng\u00e0y 07-12-2023:<\/em><\/strong><\/p>\n

https:\/\/baodauthau.vn\/khong-che-tran-chi-phi-lai-vay-quy-dinh-the-nao-de-khong-gay-kho-cho-doanh-nghiep-post147578.html<\/em><\/a><\/p>\n

(289\/1.232)<\/em>","protected":false},"excerpt":{"rendered":"

Kh\u1ed1ng ch\u1ebf tr\u1ea7n chi ph\u00ed l\u00e3i vay: Quy \u0111\u1ecbnh th\u1ebf n\u00e0o \u0111\u1ec3 kh\u00f4ng g\u00e2y kh\u00f3 cho doanh nghi\u1ec7p? (\u0110T) –\u00a0B\u1ed9 T\u00e0i ch\u00ednh \u0111ang l\u1ea5y \u00fd ki\u1ebfn v\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 132\/2020\/N\u0110-CP v\u1ec1 qu\u1ea3n l\u00fd thu\u1ebf v\u1edbi doanh nghi\u1ec7p (DN) c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft. M\u1ed9t trong nh\u1eefng n\u1ed9i dung \u0111\u00e1ng ch\u00fa \u00fd […]<\/p>\n","protected":false},"author":2,"featured_media":38503,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[34,36,38],"class_list":["post-38502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang","tag-luat-su-thue"],"acf":[],"yoast_head":"\n4.202. 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